English Hindi Annual

ANNUAL REPORT 2009-10
ANNUAL REPORT
2009-10
INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY

INDIA
Head Office
3rd Floor, Parishram Bhavan
Basheerbagh, Hyderabad 500 004,
INDIA.
Phone : +91-40-2338 1100 / 1300
Fax : +91-40-6682 3334
Delhi Office
1st Floor, Jeevan Tara, Parliament Street
New Delhi 110 001,
INDIA
Phone : +91-11-2374 7648
Fax : +91-11-2374 7650
Website: www.irda.gov.in
E-mail: irda@irda.gov.in
i
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LETTER OF TRANSMITTAL
To
The Secretary,
Department of Financial Services
Ministry of Finance
3rd Floor, Jeevan Deep Building
Parliament Street
New Delhi 110 001
November 24, 2010
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 31st March, 2010 in the
format prescribed in the IRDA (Annual Report Furnishing of returns, statements and other particulars) Rules, 2000,
notified on 14th June, 2000 in Part II of Section 3, Sub Section (ii) of the Gazette of India, Extraordinary.
Yours faithfully,
(J. HARI NARAYAN)

n[al_ ^dZ, Vrgam Vb, ~era~mJ, hXam~mX-500 004. ^maV
: +91-40-6682 0957, \$g: 91-40-6682 3334
B-_ob : chairman@irda.gov.in do~: www.irda.gov.in
Parishram Bhavan, 3rd Floor, Basheer Bagh, Hyderabad-500 004. INDIA.

Ph. : +91-40-6682 0957, Fax: 91-40-6682 3334
E-mail : chairman@irda.gov.in Web.: www.irda.gov.in
ii
CONTENTS
MISSION STATEMENT
TEAM AT IRDA
OVERVIEW
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9
10
14
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30
34
35
37
40
43
48
49
53
53
54
57
57
PART I
POLICIES AND PROGRAMMES
1.
2.
3.
4.
General Economic Environment

World Insurance Scenario
Appraisal of Indian Insurance Market
Review
4.1 Protection of Interests of Policyholders
4.2 Maintenance of Solvency Margins of Insurers
4.3 Monitoring of Reinsurance
4.4 Insurance Pools
4.5 Monitoring of Investments by the Insurers
4.6 Health Insurance
4.7 Business in the Rural and Social Sector
4.8 Financial Reporting and Actuarial Standards
4.9 Anti-Money Laundering/Counter-Financing of Terrorism
4.10 Crop Insurance
4.11 Micro Insurance
4.12 Directions, Orders and Regulations issued by the Authority
4.13 Right to Information Act
PART II
REVIEW OF WORKING AND OPERATIONS
1.
Regulation of Insurance and Reinsurance Companies
...
59
Intermediaries associated with the Insurance Business
...
59
3.
Litigations, Appeals and Court Pronouncements
...
64
4.
International Cooperation in Insurance
...
66
5.
Public Grievances
...
67
6.
Insurance Association and Insurance Councils
...
70
7.
Functioning of Ombudsmen
...
74
iii

PART III
STATUTORY AND DEVELOPMENTAL FUNCTIONS OF THE AUTHORITY
1.
Issue to the applicant a certificate of registration, renew,

modify, withdraw, suspend or cancel such registration
...
75
2.
Protection of the interests of policyholders in matters concerning assigning

of policy, nomination by policyholders, insurable interest, settlement of
insurance claim, surrender value of policy and other terms
and conditions of contracts of insurance
...
76
3.
Specifying requisite qualifications, code of conduct and practical

training for intermediaries or insurance intermediaries and agents
...
76
4.
Specifying the code of conduct for surveyors and loss assessors
...
76
5.
Promoting efficiency in the conduct of insurance business
...
77
6.
Promoting and regulating professional organisations

connected with insurance and reinsurance business
...
77
7.
Levying fees and other charges for carrying out the purposes of the Act
...
78
8.
Calling for information from, undertaking inspection of,

conducting enquiries and investigations including audit of the insurers,
intermediaries, insurance intermediaries and other organisations
connected with the insurance business
...
78
9.
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 64U of the Insurance Act,1938 (4 of 1938)
...
78
10.
Specifying the form and manner in which books of accounts shall be

maintained and statements of accounts shall be rendered by insurers
and other insurance intermediaries
...
78
11.
Regulating investment of funds by insurance companies
...
79
12.
Regulating maintenance of margin of solvency
...
80
13.
Adjudication of disputes between Insurers and Intermediaries or Insurance Intermediaries
...
80
14.
Supervising the functioning of the Tariff Advisory Committee (TAC)
...
81
15.
Specifying the percentage of the premium income of the insurer to

finance schemes for promoting and regulating professional
organisations referred to in clause (6)
...
81
16.
Specifying the percentage of life insurance business and general

insurance business to be undertaken by the insurers in the rural and social sector
...
81
...
82
17.
Exercising such other powers as may be prescribed

iv

PART IV
ORGANISATIONAL MATTERS
1.
2.
3.
4.
5.
6.
7.
8.
9.
Organisation
Meetings of the Authority
Human Resources
Promotion of Official Language
Research & Development
Status of Information Technology in IRDA
Accounts
IRDA Journal
Acknowledgements
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83
83
83
83
83
84
86
86
86
BOX ITEMS
1
2.
3.
4.
5.
Profitability of Life and Non-Life Insurers

ULIP New Guidelines
Initiatives in the area of Policyholders Grievance Redressal
Innovations in Health Insurance
Public Disclosures The Regulatory Perspective
...
...
...
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21
31
33
44
50
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
23.
24.
25.
26.
TEXT TABLES
Real Growth in Premium during 2009
Insurance Penetration and Density in India
Registered Insurers in India
Premium Underwritten by Life Insurers
Market Share of Life Insurers
New Policies Issued : Life Insurers
Paid-up Capital : Life Insurers
Commission Expenses : Life Insurers
Commission Expenses Ratio : Life Insurers
Operating Expenses : Life Insurers
Operating Expenses Ratio : Life Insurers
Individual Death Claims : Life Insurers
Group Death Claims : Life Insurers
Dividends Paid : Life Insurers
Number of Life Insurance Offices
Distribution of Offices of Life Insurers
Gross Direct Premium Income in India : Non-Life Insurers
Gross Direct Premium Income in India (Company-wise)
Premium (Within India) Underwritten by Non-Life Insurers - Segment Wise
Ratio of Outside India Premium to Total Premium
Gross Direct Premium from business outside India : Non Life Insurers
New Policies Issued : Non-Life Insurers
Paid up Capital : Non-Life Insurers and Reinsurer
Underwriting Losses : Non-Life Insurers
Commission Expenses : Non-Life Insurers
Operating Expenses : Non-Life Insurers
...
...
...
...
...
...
...
...
...
...
...
...
...
...
...
...
...
...
...
...
...
...
...
...
...
...
10
13
14
15
16
16
17
17
17
18
18
18
19
20
20
21
23
24
24
25
25
25
26
26
26
27

27.
28.
29.
30.
31.
32.
33.
34.
35.
36.
37.
38.
39.
40.
41.
42.
43.
44.
45.
46.
47.
48.
49.
50.
51.
52.
53.
54.
55.
56.
57.
58.
59.
60.
61.
62.
63.
64.
65.
66.
67.
68.
69.
70.
71.
Net Incurred Claims : Non-Life Insurers

Incurred Claims Ratio (Segment wise)
Investment Income : Non-Life Insurers
Net Profits/Losses : Non-Life Insurers
Dividends Paid : Non-Life Insurers
Net Retained Premium on Indian Business as per cent of
Gross Direct Premium (excluding GIC)
Reinsurance placed within India and outside India as per cent of
Gross Direct Premium in India
Reinsurance ceded outside India on Indian business
Share of member companies in the Indian Terrorism Pool
Premium Rates for Terrorism Risk Insurance (w.e.f 1st April, 2010)
Mid-Term Cover for Terrorism Risk Insurance (w.e.f 1st April, 2009)
Development Pattern of Goods Carrying Vehicles
Development Pattern of Passengers Carrying Vehicles
Investments of the Insurance Sector
Investments of Life Insurers : Instrument-Wise
Investments of Life Insurers : Fund-Wise
Growth of Investments: Fund-Wise
Investments of Non-Life Insurers : Instrument-Wise
Health Insurance Premium - 2005-2010
Third Party Administrators Licences Renewed during 2009-10
Third Party Administrators Infrastructure (2009-10)
Third Party Administrators - Claims Data
New Business under Micro Insurance Portfolio for 2009-10
Micro Insurance Agents of Life Insurers
Group Death Claims under Micro Insurance Portfolio - 2009-10
Individual Death Claims under Micro Insurance Portfolio - 2009-10
Duration-Wise Settlement of Death Claims Settled in
Micro Insurance Individual Category - 2009-10
Duration-Wise Settlement of Death Claims Settled in
Micro Insurance Group Category - 2009-10
Details of Individual Agents : Life Insurers
Details of Corporate Agents : Life Insurers
Individual New Business Performance of Life Insurers for 2009-10 - Channel Wise
Group New Business Performance of Life Insurers for 2009-10 - Channel Wise
New Business Premium (Individual and Group) of Life Insurers for 2009-10 - Channel Wise
Number of Licences issued to Surveyors and Loss Assessors
Grievances related to Surveyors and Loss Assessors
Details of Cases Filed
Petition / Cases Disposed / Dismissed
Committees / Sub-Committees of IAIS
Status of Grievances: Life Insurers
Break-up of Complaints Lodged with Grievances Cell (Life Insurance) during 2009-10
Status of Grievances - Life Insurers (April-June 2010)
Status of Grievances - Non Life Insurers during 2009-10
Status of Grievances - Non-Life Insurers (April-June 2010)
Disposal of Complaints by Ombudsmen
Penalty Levied on Insurers
vi
...
...
...
...
...
...
27
28
28
28
29
35
...
35
...
...
...
...
...
...
...
...
...
...
...
...
...
...
...
...
...
...
...
...
36
37
38
38
40
40
40
41
42
42
42
43
46
47
48
55
55
56
56
56
...
57
...
...
...
...
...
...
...
...
...
...
...
...
...
...
...
...
...
59
60
61
62
63
64
64
64
65
67
67
68
69
69
70
74
75
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
23.
24.
25.
26.
27.
28.
29.
30.
31.
32.
33.
34.
35.
36.
37.
38.
39.
40.
41.
42.
43.
44.
45.
LIST OF STATEMENTS
International Comparison of Insurance Penetration
...
International Comparison of Insurance Density
...
First Year Life Insurance Premium
...
Total Life Insurance Premium
...
Individual New Business Performance of Life Insurers - Channel Wise
...
Group New Business Performance of Life Insurers - Channel Wise
...
State Wise Individual New Business Underwritten
...
Individual Business (Within India) - Business in Force - Number of Policies
...
Individual Business (Within India) - Business in Force - Sum Assured
...
Linked and Non-Linked Premium of Life Insurers
...
Linked and Non-Linked Commission of Life Insurers
...
Individual Death Claims
...
Group Death Claims
...
Duration Wise Settlement of Death Claims - Individual Category
...
Duration Wise Settlement of Death Claims - Group Category
...
Assets Under Management of Life Insurers
...
Equity Share Capital of Life Insurers
...
Solvency Ratio of Life Insurers
...
Life Insurers - Policyholders Account
...
Life Insurers - Shareholders Account
...
Life Insurers - Balance Sheet
...
Life Insurance Corporation of India - Policyholders Account (Non-Participating)
...
Life Insurance Corporation of India - Shareholders Account (Non-Participating)
...
Life Insurance Corporation of India - Balance Sheet (Non-Participating)
...
Individual Business - Details of Forfeiture/Lapsed Policies in respect of Non-Linked Business ..
Details of Individual Agents of Life Insurers
...
Details of Corporate Agents of Life Insurers
...
State Wise Distribution of Offices of Life Insurers
...
Region Wise Distribution of Offices of Life Insurers
...
State Wise Distribution of Individual Agents
...
New Business Under Micro Insurance Portfolio
...
Death Claims Under Micro Insurance Portfolio - Individual Category
...
Death Claims Under Micro Insurance Portfolio - Group Category
...
Duration Wise Settlement of Micro Insurance Claims - Individual Category
...
Duration Wise Settlement of Micro Insurance Claims - Group Category
...
Company Wise number of Micro Insurance Agents
...
List of Micro Insurance Products of Life Insurers
...
Gross Direct Premium : Non-Life Insurance (Within & Outside India)
...
Segment Wise Gross Direct Premium Income of Non-Life Insurers (within India)
...
Segment Wise Net Premium Income (Earned)
...
Channel Wise Gross Direct Premium Income of Non Life Insurers
...
State Wise Gross Direct Premium Income
...
Net Retentions of Non Life Insurers
...
Incurred Claims Ratio - Public Sector Non-Life Insurers
...
Incurred Claims Ratio - Private Sector Non-Life Insurers
...
vii
89
90
91
92
93
95
97
100
101
102
104
105
107
109
110
111
114
115
116
119
122
125
126
127
128
129
130
131
132
133
134
135
137
139
140
141
142
143
144
145
146
147
148
149
150

46.
47.
48.
49.
50.
51.
52.
53.
54.
55.
56.
57.
58.
59.
60.
61.
62.
63.
64.
65.
66.
67.
68.
69.
70.
71.
72.
73.
74.
75.
76.
77.
1.
2.
3
4.
5.
6.
7.
8.
9.
10.
Underwriting Experience and Profits of Public Sector Companies

Underwriting Experience and Profits of Private Sector Companies
Assets Under Management of Non-Life Insurers
Equity Share Capital of Non-Life Insurers
Solvency Ratio of Non-Life Insurers
Public Sector Non-Life Insurers - Policyholders Account
Public Sector Non-Life Insurers - Shareholders Account
Public Sector Non-Life Insurers - Balance Sheet
Private Sector Non-Life Insurers - Policyholders Account
Private Sector Non-Life Insurers - Shareholders Account
Private Sector Non-Life Insurers - Balance Sheet
Health Insurers - Policyholders Account
Health Insurers - Shareholders Account
Health Insurers - Balance Sheet
Export Credit Guarantee Corporation Ltd. (ECGC) - Policyholders Account
Export Credit Guarantee Corporation Ltd.(ECGC) - Shareholders Account
Export Credit Guarantee Corporation Ltd. (ECGC) Balance Sheet
Agriculture Insurance Company of India Ltd. (AIC) - Policyholders Account
Agriculture Insurance Company of India Ltd. (AIC) - Shareholders Account
Agriculture Insurance Company of India Ltd. (AIC) Balance Sheet
General Insurance Corporation (GIC) - Policyholders Account
General Insurance Corporation (GIC) - Shareholders Account
General Insurance Corporation (GIC) Balance Sheet
State Wise Number of Offices of Non-Life Insurers
Third Party Administrators No. of claims received & duration wise settlement of claims
Status of Grievances - Life Insurers for 2009-10
Status of Grievances - Life Insurers (April-June 2010)
Status of Grievances - Non-Life Insurers for 2009-10
Status of Grievances - Non-Life Insurers (April-June 2010)
Performance of Ombudsmen at different centres - Life Insurance
Performance of Ombudsmen at different centres - Non - Life Insurance
Performance of Ombudsmen at different centres - Life and Non-Life Insurance Combined
...
...
...
...
...
...
...
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...
...
...
...
...
...
...
...
...
...
...
...
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...
...
...
...
...
...
...
...
...
151
152
154
155
156
157
159
160
161
166
168
170
171
172
173
174
175
176
177
178
179
180
181
182
184
186
187
188
189
190
191
192
LIST OF ANNEX
Insurance Companies Operating in India
Fee Structure for insurers and various intermediaries
(i).
Indian Assured Lives Mortality (1994-96) (Modified) Ultimate
(ii). Mortality Rates of Annuitants in LIC of India
Life Insurance Products cleared during the financial year 2009-10
Non-Life Insurance Products cleared during the financial year 2009-10
Obligatory Cessions received by GIC
State Wise number of Registered Brokers
Circulars / Orders / Notifications issued by the Authority from April 2009
Regulations framed under the IRDA Act, 1999
Annual Statements of Accounts for the year ended March 31, 2010
...
...
...
...
...
...
...
...
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...
195
197
198
199
200
208
211
212
213
217
219
viii
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
TEAM AT IRDA
J. Hari Narayan
CHAIRMAN
MEMBERS
K. K. Srinivasan
C.R. Muralidharan
(upto 3rd November, 2009)
G. Prabhakara
Dr. R. Kannan
R. K .Nair
(from 18th March, 2010)
PART TIME MEMBERS
Amarjit Chopra
Vijay Mahajan
(from 6th February, 2010)
Ela R. Bhatt
L. M. Vas
(from 5th October, 2009)
Rahul Khullar
Uttam Prakash Agarwal
(upto 4th October, 2009)
(upto 5th February, 2010)
xi
Prabodh Chander
A.Giridhar
ED (NON-LIFE)
ED (ADMN.)
K.Subrahmanyam
Dr. D.V.S. Sastry
ED (ACTUARY)
DG (R&D)
Kunnel Prem
N Srinivasa Rao
CSO (LIFE)
FA & CAO
xii
JOINT DIRECTORS
Suresh Mathur
Dr. Mamta Suri
Mukesh Sharma
S N Jayasimhan
Randip Singh Jagpal
J Meena Kumari
Yegna Priya Bharath
xiii
A R Nithiayanantham

NAME
DESIGNATION
Mahesh Agarwal
P Majumder
Shyam Sundar Mohakud
Saneetha K A
ACCOUNTS DEPARTMENT
Sr. Assistant Director
Junior Officer
Junior Officer
Assistant
S P Chakraborty
J Anita
P K Maiti
A V Rao
S Kartikeya Sarma
MBVN Murthy
DNKLNK Chakravarthi
Lekshmi R Pillai
B Someswara Rao
A Rama Sudheer
Amit Srivastava
Sarat Chandra
Sujoy Saha
ACTUARIAL DEPARTMENT
Deputy Director
Deputy Director
Deputy Director
Deputy Director
Assistant Director
Assistant Director
Assistant Director
Junior Officer
Junior Officer (PA to ED-Actuary)
Junior Officer (PA to Member-Actuary)
Assistant
Assistant
Assistant
Mukesh Sharma
B Raghavan
D Srinivasa Murthy
R Sangeetha
Siva Prasad Yeddu
V V N Kirankumar Sarma
Indradeep Sah
Anurag Bajpai
BH Suryanarayana Sastry
Yegna Priya Bharath
A Krishnan
T Venkateswara Rao
K Srinivas
Manoj Kumar Asiwal
Neeraj Mani Tripathi
Vinay Kumar Mathangi
Domala Rajanikanth
S N Jayasimhan
Dr. Mamta Suri
Raj Kumar Sharma
R Kumar
B Padmaja
R Uma Maheswari
K Anand Rao
Dr. Ravinder Kaur
Mohammad Ayaz
A Keshava Rao
Rakesh Sarodey
Ravindra Das
Bolla Balakrishna
Dasika S Murali Mohan
ADMINISTRATION DEPARTMENT
Joint Director
Assistant Director (PS to Chairman)
Junior Officer (PA to ED-Admn.)
Assistant
Assistant
Assistant
Assistant
Assistant (Library)
CONSUMER AFFAIRS DEPARTMENT
Joint Director
Deputy Director
Deputy Director
Assistant Director
Assistant Director
Assistant
Assistant
Assistant
FINANCE & INVESTMENT DEPARTMENT
Joint Director
Joint Director
Deputy Director
Deputy Director
Assistant Director
Assistant Director
Assistant Director
Assistant Director
Junior Officer (PA to Member F&I)
Assistant
Assistant
Assistant
Assistant
xiv
J Meena Kumari
KGPL Rama Devi
Nilamdhab Behera
Shardul Suresh Admane
Nimisha Srivastava
HEALTH DEPARTMENT
Joint Director
Deputy Director
Deputy Director
Assistant Director
A R Nithiayanantham
Deepak Khanna
Deepak Kumar Gaikwad
Sanjay Kumar Verma
Narendra Singh
INFORMATION TECHNOLOGY DEPARTMENT

Joint Director
Assistant
M S Jaya Kumar
Susan Ittyerah
M Madhusudhan
KLN Raghava Kumar
Suresh Mathur
T S Naik
G R Surya Kumar
Suresh Nair
R Pardha Saradhi
Anil Kumar Thatipalli
Ashish Kumar Bharti
Bhasker P Khadakbhavi
Suresh Mathur
Sanjeev Kumar Jain
K Mahipal Reddy
Sudha Ramanujam
Jyoti Bhagat
Sunitha LVS
Mathangi Saritha
D Gyana Prasuna
Neetu Shahadadpuri
Rajeswar Gangula
Tati Kiran
Gandi Venkata Ramana
Mukesh Kumar
P Kanthishree
D V S Ramesh
Sudipta Bhattacharya
R Lalitha Kumari
K Sridhar Rao
H Babu Yogish
V Chitra
B Aruna
INSURANCE INFORMATION BUREAU

Deputy Director
Assistant Director
Assistant
INSPECTIONS DEPARTMENT
Joint Director
Deputy Director
Deputy Director
Assistant Director
Assistant Director
Assistant Director
Assistant Director
INTERMEDIARIES DEPARTMENT
Joint Director
Deputy Director
Deputy Director
Deputy Director
Assistant Director
Assistant Director
Assistant Director
Assistant Director
Assistant Director
Assistant Director
Assistant
Assistant
LEGAL AND R.T.I. CELL
Assistant Director
Junior Officer
LIFE DEPARTMENT
Deputy Director
Deputy Director
Assistant Director
Assistant Director
Assistant Director
Assistant Director
Junior Officer (PA to CSO)
xv

Randip Singh Jagpal
Shiksha Shaha
K Sridhar
Sanjay Mohan Sharma
Vikas Jain
Ch B Chandrasekhara Rao
B S Venkatesh
M L Soujanya
Akash Dangwar
RAJBHASHA DEPARTMENT
Assistant Director
Kamal Chowla
Munshi M Nizamuddin
Triloki Nath
Ameer Hassan
Ishtiaque Alam
DELHI OFFICE
Deputy Director
Deputy Director
Assistant Director
Junior Officer
Record Clerk
Record Clerk
Rakesh K Bajaj
Anil Kumar Arora
Manju Arora
Hari
Sush Pal
Shashi Pal
H Ananthakrishnan
G Babita Rayudu
Dr. R K Sinha
V Sai Kumar
S V Hegde
R Srinivasan
Vikas Kumar
Devendra Kumar
Vikas S Rane
Rajesha
Y Srinivasu
V Sarvothamudu
V Satya Srinivas
BV Sastry
K Rambabu
B V Suryanarayana
V S Narendra Chandra
Chandrasekhar B
Arup Chatterjee
Nandan Kumar
RESEARCH AND DEVELOPMENT DEPARTMENT

Assistant Director
Assistant
Assistant
Assistant
VIGILANCE DEPARTMENT
Vigilance Officer
Mukesh Sharma
U Jawahar Lal
NON LIFE DEPARTMENT

Joint Director
Assistant Director
Assistant Director
Assistant Director
Assistant Director
Assistant Director
Junior Officer (PA to ED (Non-Life))
Junior Officer (PA to Member (Non-Life))
Assistant
OFFICERS ON DEPUTATION
OSD- Non Life
OSD- Legal
OSD- R&D
OSD- Life
OSD- Life
OSD- Consumer Affairs
OSD- IIB
OSD- IIB
OSD- IIB
OSD-Inspections
OSD-Inspections
OSD-Inspections
OSD-Inspections
OSD-Inspections
OSD- Non Life
OSD-RTI
Junior Officer (PS to Chairman)
PS to Member (Life)
ON CONTRACT
Editor, IRDA Journal
OFFICERS OF IRDA ON DEPUTATION TO OTHER ORGANISATIONS

Joint Director
Assistant Director
xvi
OVERVIEW
The Indian Economy:
4. The financial markets during 2009-10 showed signs

of volatility while reflecting the developments in the
global markets. However, the signs were clearly that
of rising activity. This is critical to ensure that the
economy is catapulted to the next phase of growth.
The external balance situation improved and reflected
a positive growth in both exports and capital inflows
during 2009-10. This reflected a favorable trend from
the downturn observed in the wake of the financial
crisis. Overall, developments during 2009-10 have
been positive although there had been some macroeconomic concerns at the beginning of the year.
1. The Indian economy registered an impressive

growth rate of 7.4 per cent in 2009-10 following 6.7
per cent in 2008-09. This was achieved against the
backdrop of a broad based recovery in the second
half of the financial year. The overall stability of the
financial system of India continued to positively impact
business confidence. The major source of worry,
however, was the inflationary conditions which
changed significantly in 2009-10, particularly, in the
second half of the year. It surged to 11 per cent
towards the end of 2009-10, aggravated by the initial
spurt in prices of food items. Positive development
was, however, observed in demand for private
investment during the last quarter of 2009-10 and has
been particularly robust in the first quarter of 201011. Although there has been some concern around
the crisis emanating from the sovereign debt in the
Euro area and its likely impact about the durability of
the global recovery, the overall movement in growth
has been positive.
Global Economic Environment:

5. As per the Report published by the International
Monetary Fund, the global financial system is still in a
period of significant uncertainty. The setback has
occurred in the second quarter of the current calendar
2010 due to the turmoil in sovereign debt markets in
Europe once again bringing to the fore the
vulnerabilities of bank and sovereign balance sheets
against the back drop of the financial crisis. The
European economies have once again been in the
eye of the storm, having been a witness to the
sovereign debt sustainability challenges, resulting in
funding pressures. With the spillover effect onto the
banking sector, the resultant impact was in terms of
shrinking credit. Although, the regulatory and policy
level responses at the international levels brought the
situation under control in terms of stabilising funding
markets and mitigating risks, the conditions remain
weak. Economies still need to find answers to the
challenges posed by a slower than expected level of
recovery, higher debt levels and rollovers, and a stillimpaired financial sector.
2. The real GDP growth turned around at 7.4 per cent

in 2009-10, up from 6.7 per cent in 2008-09. Although
still below the pre-global crisis growth phase of 8.9
per cent during 2003-08, the possibilities of it growing
further are clearly reflected. The contribution to the
growth came from a strong recovery in industrial sector
and the services sector thereby reducing the impact
of a scarce South-West monsoon. The contribution
of the industrial sector to the overall growth increased
sharply at 28 per cent in 2009-10 (9.5 per cent in
2008-09), while the growth in the services sector was
lower at 8.3 per cent in 2009-10 (9.3 per cent in
2008-09). Despite the impact of the deficient monsoon,
agriculture and allied activities contributed about 14.6
per cent to the GDP. The performance of the sector
has a significant impact on price stability.
6. The global output has expanded in tune with the

projection with the economic environment improving
gradually. This has been supported by growth in the
emerging market countries which has been particularly
strong. It has also been observed that economies are
moving from temporary support provided to them to
more self-sustaining private demand. However,
concerns remain in terms of dealing with legacy
problems in the banking sector, particularly those
relating to recapitalisation; strengthening the
sovereign balance sheets; and strengthening
regulatory reform to move towards building resilience
3. The macro-financial developments during

2009-10 have established the resilience of the
economy and its ability to recover faster from a
slowdown. The economy has also emerged stronger
in terms of the ability of the slowdown in agricultural
production impacting the growth of industry and
services sectors, even though the importance of the
former cannot be overstated since it impacts
inflationary trends and is the main stay for livelihood
of the rural population.
1
in financial systems. Equally there is a need for

systems to ensure and guard against excessive risk
taking.
10. A review of the regulatory reforms brings to the

fore the fact that much of the proposed financial reform
agenda remains unfinished. While much of the failings
of the global financial system have been identified,
countries have yet to deal with issues such as tooimportant-to-fail entities, strengthening supervisory
incentives and resources, and developing the macroprudential framework. Much of these regulatory
concerns have centered on the banking sector,
although the ripples of the spillover effects are likely
to be felt by the other segments of the financial sector
as well. There are also concerns around addressing
issues around pro-cyclicality and limiting the systemic
effects of financial institutions other than those in the
banking sector.
7. Overall, in the United States, financial stability has

improved, although pockets of vulnerability remain in
the banking system. While banks have been able to
raise capital and expected demand appears
manageable, additional capital may be needed to
reverse recent de-leveraging trends and due to the
possibility of complying with the regulatory reforms
under way. The financial crisis has resulted in
substantial risks being transferred from private to
public balance sheets. The policy makers thus need
to address issues which have arisen on account of
the burden placed on public institutions. In Japan, a
near-term disruption in the government bond market
remains unlikely. The stable domestic savings base
and healthy current account surplus reduce the need
to attract external funding sources. However, over
time, the factors which are presently supporting the
Japanese bond market - high private savings, home
bias, and the lack of alternatives to yen-denominated
assets - are expected to erode as the population ages
and the workforce declines.
Insurance markets:
11. As per the World Insurance Report published by
reinsurance major Swiss Re, the global insurance
premium for the calendar year 2009 was
USD 4066 billion, which is 1.1 per cent (inflationadjusted) lower than USD 4220 billion reported during
the previous calendar year 2008. The share of life
insurance business was 57 per cent in total premium
collection. While life insurance business collected
USD 2331 billion as premium, the same for non-life
business was USD 1735 billion. During 2009, the
premium in life insurance business fell by 2 per cent
on account of double digit decline in premium
collection in USA and UK. However, compared to
2008, when life insurance premium fell by 5.8 per cent,
this is an improvement on account of the improved
sentiment in the calendar year 2009.
8. As against the mature markets, the emerging

markets have remained resilient to the financial crisis
which has hit the global markets. These markets also
continued to enjoy access to international capital
markets. The cross-border spillover effects were
limited to only regions with significant economic and
financial links to the euro area. Given the projected
healthy growth trends in these markets, and the
continuing slowdown in advanced countries, the
emerging markets have become increasingly
attractive to global investors. The shifts due to the
strong capital inflows could result in increased volatility
to these markets thereby raising concerns for
economies which have been recipients of these
reallocations.
12. During year 2010, it is expected that overall

premium growth in the industry will turn positive and
profitability and balance sheets will continue to
improve. The prospects for life insurance in 2010 are
promising as growth resumes in the sector. A further
recovery of the financial markets is likely to stimulate
the overall growth of unit-linked products and allow
insurers to continue strengthening their balance
sheets.
9. As per the revised IMF estimates the crisis-related

bank write downs between 2007 and 2010 stood at
USD 2.2 trillion in September, 2010. Further, banks
have made progress in recognising those write downs,
with more than three-quarters of them already
reported, leaving a residual amount of approximately
USD 550 billion. As per projections, nearly
USD 4 trillion of bank debt will need to be rolled over
in the next 24 months.
Indian insurance sector:

13. Since opening up, the number of participants in
the industry has gone up from six insurers (including
2
Life Insurance Corporation of India, four public sector

general insurers and General Insurance Corporation
as the national reinsurer) in the year 2000 to 48
insurers operating in the life, non-life and reinsurance
segments (including specialised insurers, viz., Export
Credit Guarantee Corporation and Agriculture
Insurance Company). Three of the non-life insurance
companies, viz., Star Health and Alliance Insurance
Company, Apollo Munich Health Insurance Company
and Max Bupa Health Insurance Company function
as standalone health insurance companies. Of the
twenty two insurance companies which have set up
operations in the life segment post opening up of the
sector, twenty are in joint venture with foreign partners.
Of the seventeen insurers (including health insurers)
who have commenced operations in the non-life
segment, sixteen are in collaboration with the foreign
partners. The three standalone health insurance
companies have been set up in collaboration with
foreign joint venture partners. Thus, as on date, thirty
six insurance companies in the private sector are
operating in the country in collaboration with
established foreign insurance companies across the
globe.
Penetration and Density:

16. The potential and performance of the insurance
sector is universally assessed with reference to two
parameters, viz., Insurance Penetration and Insurance
Density. Insurance penetration is defined as the ratio
of premium underwritten in a given year to the gross
domestic product (GDP). Insurance density is defined
as the ratio of premium underwritten in a given year
to the total population (measured in USD for
convenience of comparison). The insurance
penetration was 2.32 per cent (Life 1.77 per cent and
Non life 0.55 per cent) in the year 2000 when the sector
was opened up for private sector. It had increased to
5.20 per cent in 2009 (Life: 4.60 per cent and Nonlife: 0.6 per cent). The insurance density stood at
USD 54.3 in 2009 (Life USD 47.7 and Non-life
USD 6.7) from USD 9.9 in 2000 (Life USD 7.6 and
Non-life USD 2.3)
Micro insurance:
17. One of the main objectives of promoting financial
inclusion packages is to economically empower those
sections of society who are otherwise denied access
to financial services, by providing banking and credit
services thereby focusing on bridging the rural credit
gap. The banking sector is focusing on financial
inclusion on a priority basis. Vulnerability to various
risk factors is one of the fundamental attributes of
these sections of the society. Lack of protective
elements may, thus, not serve the objective of
promoting financial inclusion packages as the targeted
sections may fall back into the clutches of poverty in
the event of unforeseen contingencies. Hence, to
provide a hedge against these unforeseen risks, micro
insurance is widely accepted as one of the essential
ingredients of financial inclusion packages. Micro
insurance regulations issued by IRDA have provided
a fillip in propagating micro insurance as a conceptual
issue.
14. The first year premium, which is a measure of

new business secured, underwritten by the life insurers
during 2009-10 was `1,09,894 crore as compared to
`87,331 crore in 2008-09 registering a growth of
25.84 per cent against negative growth rate of
6.81 per cent during 2008-09. In terms of linked and
non-linked business during the year 2009-10,
54.53 per cent of the first year premium was
underwritten in the linked segment while 45.47 per
cent of the business was in non-linked segment (51.13
and 48.87 per cent respectively in 2008-09). The total
premium underwritten by the life insurance sector in
2009-10 was `2,65,450 crore as against
`2,21,785 crore in 2008-09 exhibiting a growth of
19.69 per cent (10.15 per cent in 2008-09).
15. The non-life insurers (excluding specialised
institutions like ECGC and AIC and the standalone
health insurance companies) underwrote premium of
`35,816 crore in 2009-10, as against `31,428 crore
in 2008-09 registering a growth of 13.44 per cent. The
three health insurance companies underwrote
premium of `1,072 crore in 2009-10, twice of their
collective premium of `535 crore in 2008-09.
18. With the positive and facilitative approach adopted

under the micro insurance regulations, it is expected
that all insurance companies would come out with a
progressive business approach and carry forward the
spirit of regulations thereby extending insurance
penetration to all segments of society. There are 8,676
micro insurance agents operating in the micro
insurance sector as at the end of 2009-10. The new
business premium secured in individual category
3
during the year was `160 crore under 0.30 crore

policies and the new business premium secured for
33 group schemes during 2009-10 was `238 crore
covering 1.69 crore lives. In the individual category
7,516 claims were settled for an amount of `7.88 crore
and in the group category claims on 43,645 lives were
settled for an amount of `169 crore.
not publicly listed entities, at par with the listed entities

in the corporate world in terms of public disclosures.
Listed corporate entities are governed by the terms
of the Listing Agreement, which amongst other things
provides for public disclosure of performance on a
quarterly basis.
Disclosures in the Prospectus Document:
Investments by the insurance sector:
22. Public disclosure of risks faced by the insurers is

critical for ensuring a fair and orderly growth of the
insurance sector. The disclosures are required to be
reliable and timely to ensure efficiency of the markets.
The disclosures also provide necessary feedback to
the insurance regulator to ensure safety of investors
as well as the policyholders. While individual
policyholders may not have the necessary ability and
resources to undertake the task of assessing the
insurers, other stakeholders, including the analysts in
the market can provide necessary inputs based on
the disclosures made by the insurance companies.
19. During 2009-10, the IRDA aligned the definition

of infrastructure facility with that of the Reserve Bank
of India (RBI) thereby creating more room for the
insurers to invest in infrastructure sector. The Authority
has also relaxed the ceiling of investments in
infrastructure to 20 per cent in a single investee
company as against 10 per cent earlier. The limit is
applicable to the combination of both debt and equity
taken together without sub ceilings in instruments
satisfying certain criteria. An additional exposure of
5 per cent has been permitted in debt alone with prior
approval of the respective insurers Investment
Committee.
23. Several insurance companies will be completing

10 years of their operations shortly, after which they
may be allowed by the Regulator to go for an Initial
Public Offer (IPO). It is essential that the investors
are fully aware of the financial performance, company
profile, financial position, the risk exposure, elements
of corporate governance in place, and the
management of the insurance companies. The
Authority is participating in the discussions at the
meetings of the Standing Committee on Disclosures
& Accounting Issues (SCODA) set up by Securities
and Exchange Board of India (SEBI) to finalise the
disclosure requirements for insurance companies in
the Prospectus document. While laying down the
stipulations on disclosure requirements, the Authority
has drawn on the international best practices in this
regard. It is proposed that the disclosure requirements
for the life and non-life companies would be separately
mandated given the nature of their respective
businesses.
20. Further strengthening on the risk management

structure, IRDA has issued guidelines on the scope
for Internal and Concurrent Audit for investment
operations of insurance companies to monitor
investment of both traditional and unit linked portfolio,
at a closer level with the aim of mitigating risk. Similar,
stipulations are also applicable to non-life insurance
companies. The guidelines for audit of Investment Risk
Management Systems and Processes were also
issued during the year.
Initiatives at enhancing public disclosures:
21. With a view to improving transparency in
operations, the Authority has been working towards
enhancing disclosures to be made by insurance
companies on periodic basis. A major step in this
direction has been the issuance of disclosure
guidelines in January, 2010. The stipulations on
disclosures to be made by insurance companies have
been strengthened by the Authority to fill the gap in
availability of information in the public domain. These
disclosures are required to be made through
(i) Publication in Newspapers; and (ii) Hosting on the
respective company websites, effective from the
period ended 31st March, 2010. This initiative has
placed the insurance companies, which are presently
Amalgamation of Insurance Companies:

24. There is a view that the insurance Sector in India
could be a witness to some degree of consolidation.
The Authority has been approached by players in the
non-life space in the Indian insurance market to
amalgamate their existing ventures to create the
second largest private sector general insurance
4
of the FCR is to facilitate analysis of the current block

of business as on the valuation date to bring out clearly
the challenges the insurers face in terms of meeting
the solvency requirements, their profitability and other
risks viz. morbidity, liquidity, credit and expense,
investment return, asset-liability mismatch, etc. This
experience will also indicate the insurers position on
these parameters for the next one year. With this
initiative, the Authority has expanded its mandate on
the submission of the FCR beyond the life insurance
companies to also bring in the non-life insurers within
the ambit of such reporting.
company in the sector. The Authority is actively

considering the proposal and would likely to put in
place systems whereby any amalgamation in the
insurance space fully ensures protection of the
interests of the policyholders, while contributing to a
more vibrant market in the country. Prior to this, there
has been only one instance when the promoters of a
life insurance company had expressed inability to
continue operations in the life insurance space, and
their stake was picked up another entity post the due
diligence process carried out by the Authority. The
Authority had through its quick actions ensured that
the situation did not remain fluid for too long, took steps
to ring-fence the assets of the company and at the
same time initiated action to ensure that the interests
of the policyholders were not compromised in any
manner.
Initiatives at AML FATF:

27. Under the existing framework, the Inter-Ministerial
Coordination Committee on AML/CFT (IMCC) has
been set up as the co-ordinating body on issues
relating to membership into FATF and further follow
up processes. The inputs for the process and
implementation of the recommendations are being
handled by the respective regulators/agencies. Based
on the initiatives of the respective regulators/agencies
India has been granted membership of the FATF in
June, 2010. Concerns expressed by FATF in terms
of implementation of certain recommendations are
being addressed through the approved action plan
which has been submitted to the Secretariat of the
FATF. The existing framework has worked
satisfactorily and has delivered in terms of India being
granted the membership of FATF. More recently, the
National Regulatory Framework Assessment
Committee comprising of representatives from the
financial sector regulators and the Government
agencies has been constituted to address various
regulatory concerns and to facilitate the process of
plugging the various gaps observed in compliance with
the various recommendations.
Economic capital (EC):

25. It is acknowledged from the experience globally
that insurance is a capital intensive business. The
need to improve the capital efficiency without
threatening the solvency is becoming increasingly
essential in view of the recent macro-economic
developments in the wake of the financial crisis which
started in 2007. Economic capital (EC) reflects the
optimum levels of capital required by an insurance
entity. The main objective of estimating EC is to
separate the liability and risk parts clearly out of the
total reserves (including solvency margin). EC can be
a common currency of risk if measured consistently.
The word economic indicates the fact that it measures
risk in terms of economic realities rather than based
on certain pre-defined rules. The economic capital is
determined in the context of the capital required to
meet the insurance risk, market risk, operational risk,
credit risk, etc., separately. Commencing from the
financial year 2009-10, the life insurance companies
have been advised to submit a detailed report setting
out the Economic Capital. This exercise would give a
deeper insight into the risks an insurance company is
faced with and their impact on the solvency position.
28. As part of the various initiatives taken by the

Authority, all life insurers have been advised to collect
PAN from all persons purchasing insurance products
where the contracted annual premium payable on the
insurance policies, per policy basis, exceeds Rupees
one lakh. For persons who are exempt from the
requirement of PAN, insurers are required to collect a
declaration from the proposer wherein the provision
under which he/she has been exempted, is required
to be disclosed.
Financial Condition Report (FCR) for non-life

insurance companies:
26. The non-life insurance companies have been
mandated to submit the Financial Condition Report
annually, effective 31 st March, 2010 for the said
financial year in the prescribed format. The objective
5
Corporate Governance guidelines for insurance

companies:
the fifth policy anniversary for individual products.

Partial withdrawals in case of pension/annuity products
are not allowed and the insurer shall convert the
accumulated fund value into an annuity at maturity;
and (ix) all ULIPs, other than pension and annuity
products must provide the prescribed minimum
mortality/health cover.
29. Corporate Governance guidelines have been put

in place for insurance companies. As per the
stipulations, insurance companies were required to
be compliant with the guidelines effective from 1st April,
2010. The Guidelines provide for the structure,
responsibilities and functions of the Board of Directors
and the senior management of the company. The
guidelines cover the major structural elements of an
insurance company, including governance structure;
Board of Directors; Control functions; senior
management - CEO and other senior functionaries,
role of Appointed Actuaries, external audit
Appointment of Statutory Auditors; Disclosures;
Outsourcing; relationship with stakeholders;
interaction with the supervisor; and the whistle blowing
policy. Insurers are required to have a minimum of
two independent directors on their Board as long as
they are unlisted, and all directors must meet the fit
and proper criteria. The Guidelines have further laid
down stipulations on formation of mandatory
committees - Audit; Investment; Risk Management;
Asset Liability Management (in case of life insurance
companies); Policyholder Protection; and optional
committees - Remuneration; Nomination; and Ethics.
31. The Authority also issued guidelines on Health

plus Life Combi Products paving the way for combined
products whereby pure term life insurance products
can be offered by life insurance companies and
standalone health insurance products offered by nonlife insurance companies under the umbrella of a
single product.
Grievance Redressal:
32. The Consumer Affairs Department of IRDA
handles policyholder grievances, apart from carrying
out awareness campaigns on insurance. The
Grievance Cell looks into the complaints from
policyholders against life and non-life insurance
companies. Prospects and policyholders are advised
to first file their complaints with the respective
insurance companies. The Grievance Cell facilitates
redressal by taking up the complaints with the
company. Where required, investigations and
enquiries are carried out by IRDA. Recently, IRDA has
provided an alternative channel for prospects and
policyholders to lodge complaints with the Grievance
Cell by launching the IRDA Grievance Call Centre
(IGCC). The IGCC receives and registers complaints
through a Toll Free number. Complainants can also
track the status of their complaints through IGCC. The
Authority is also in the process of implementing the
Integrated Grievance Management System (IGMS)
through automation of the Grievance Cell for on-line
registration of complaints. The proposed automated
system would also enable on-line verification of status
and redressal. Further, under the Corporate
Governance guidelines, the Authority has also
mandated that insurers shall have in place the
Policyholder Protection Committee.
Initiatives towards policyholder protection:

30. With a view to protecting the interests of
policyholders, the IRDA has taken a number of
initiatives in the current financial year 2010-11. The
objective of these initiatives is to rationalise the product
features through such clauses as (i) minimum lock-in
period being increased from three years to five years,
with the stipulation being applicable to even top-ups;
(ii) charges on Unit Linked Insurance Products (ULIPs)
have been mandated to be spread evenly over the
lock-in-period; (iii) ULIPs, other than single premium
products, to have a minimum premium paying term of
five years; (iv) individual products to have a minimum
policy term of five years, although group products
continue to be on annual renewable basis; (v) all
products including pension/annuity must have a
minimum sum assured payable on death; (vi) ULIP
pension/annuity products shall offer a minimum
guaranteed return of 4.5 per cent per annum or as
specified by IRDA from time to time; (vii) top up
premium must also have insurance cover; (viii) the
facility of partial withdrawal to be permissible only after
Strengthening on-site inspections:

33. The financial year 2009-10 was the tenth year of
operations of insurance companies, post opening up
of the sector. While the Authority has been
contemplating commencement of comprehensive onsite inspection, it was considered that the registered
6
insurers should be allowed time to stabilise operations

prior to taking up full scale inspection. Commencing
from the current financial year, 2010-11, on-site
inspection targeted on critical issues in respect of four
life insurers and four non-life insurers has been
undertaken. The Authority proposes to strengthen its
activities in this critical area of its operations.
meantime, IASB has issued exposure draft on

Insurance Contracts. IAS 39 compliance is an
intermediary step in moving forward to convergence
to IFRS.
37. The Authority has recently constituted a Working
Group to address the issues in this situation. The
Working Group consists of the officers of the Authority
and experts in the field of accounts and actuarial from
the industry. The task of the Group is to examine the
exposure draft on IAS 4 and various other issues
arising out of the implementation of IFRS.
Data Warehouse:
34. The Authority has constituted the Insurance
Information Bureau (IIB), an advisory body which is
collecting, processing and disseminating data. IIB has
been formed to ensure that the business data of
insurance companies is collected and processed in
an orderly manner and is made available at regular
intervals. Hence, it is useful for the various market
players, researchers, policyholders as well as the
public at large for real-time decision making. IIB
functions as a single point official reference for the
entire data requirement on the insurance sector. All
the necessary decisions regarding processing and
dissemination of data are being undertaken as per
the policy laid down by the Bureau. All non-life insurers
are required to upload the insurance data on motor,
health and other lines of business online as per the
data formats prescribed and provided by IRDA. As
part of the initiative, aggregate level data for the nonlife industry as a whole is made available to the
insurers for making better underwriting decisions.
Performance in the first quarter of 2010-11:

38. The life insurers underwrote new business of
`25,522 crore during the first quarter in the current
financial year, 2010-11 as against `14,456 crore in
the corresponding first quarter in 2009-10, recording
growth of 76.55 per cent. Of the new business
premium underwritten, LIC accounted for
`18,740 crore (73.43 per cent market share) and the
private insurers accounted for `6,782 crore (26.57 per
cent market share). The market share of these insurers
were 62.45 per cent and 37.55 per cent respectively
in the corresponding period of 2009-10.The non-life
insurers underwrote a premium of `10,755 crore
during the first quarter of the current financial year
recording a growth of 21.83 per cent over `8,827 crore
underwritten in the same period in 2009-10. The
private sector non-life insurers underwrote a premium
of `4,361 crore in April-June, 2010 as against
`3,586 crore in April-June, 2009, reporting a growth
of 21.61 per cent. The public sector non-life insurers
underwrote a premium of `6,391 crore which was
higher by 21.88 per cent (`5,244 crore in the first
quarter of 2009-10). The market share of the public
and private insurers stood at 59.44 and 40.56 per cent
at the end of the quarter (59.36 and 40.64 at the end
of June 2009).
Initiatives taken at Authority on Implementation of

IFRS:
35. The Authority had constituted a Working Group
in October, 2008 to decide the road map for
implementation of International Financial Reporting
Standards (IFRS). The Working Group had submitted
its Report in June, 2009. The Report submitted by the
Group raised various issues which may emerge on
implementation of IFRS which is due for application
to the insurance companies by 2012-13. The basic
approach adopted by the Authority is that it will not be
an adoption of IFRS but it will be a convergence to
IFRS.
39. ECGC underwrote credit insurance of `208 crore

as against `190 crore in the previous year, a growth
of 9.66 per cent. AIC underwrote agricultural insurance
of `149 crore as against `132 crore in the previous
year, i.e., a growth of 12.84 per cent. The health
insurers (Star Health, Apollo Munich and Max Bupa)
underwrote premium of `364 crore as against `246
crore in the previous year, reporting growth of 48.23
per cent.
36. The Institute of Chartered Accountants of India

(ICAI) has issued the exposure draft on Insurance
Contracts in the form of IAS 39 which is yet to be
notified as Accounting Standard by National Advisory
Committee on Accounting Standards (NACAS). In the
7
PART I
POLICIES AND PROGRAMMES
1. GENERAL ECONOMIC ENVIRONMENT
recovered during 2009-10, although it still remained

below the pre-crisis levels. In the road sector,
construction and widening of national highways
continued at a fast pace during 2009-10, while freight
traffic carried by the railways also increased.
I.1.1 The Indian economy exhibited good recovery in

2009-10 and recorded a Gross Domestic Product
(GDP) growth rate of 7.4 per cent, higher than the
growth of 6.7 per cent of the previous year. The
recovery was pertinent against the backdrop of the
slowdown witnessed in the economy in the latter part
of 2008-09. Except agriculture sector, which grew by
a mere 0.2 per cent, other sectors of the economy
reported positive growth rates. While industrial sector
reported 10.4 per cent growth (3.1 per cent in previous
year), the growth rate for services sector was 8.3 per
cent (9.3 per cent in previous year). The low growth
rate reported in agricultural sector was on account of
deficiency in the South-West Monsoon, which caused
6.9 per cent fall in food production to 218.2 million
tonnes. In spite of a decline in food grains production,
the growth rate of GDP from agriculture was positive
due to growth in other areas of agriculture such as
horticulture, livestock, forestry and logging, and
fisheries.
I.1.4 The growth in Private Final Consumption

Expenditure (PFCE) moderated to 4.3 per cent in
2009-10 (the average for 2003-08 was 7.6 per cent).
The moderation reflects the sluggish demand from
the private sector. With a view to compensating for
the slowdown in PFCE, the Government has resorted
to expansionary fiscal measures supported by
expansionary monetary policy by the Reserve Bank
of India (RBI). This has resulted in Government Final
Consumption Expenditure (GFCE) nearly doubling at
10.5 per cent during 2009-10 (as against five-year
average of 5.6 per cent during 2003-08). The increase
in GFCE has led to a decline in public sector savings
which has come down from 5.0 per cent in 2007-08 to
1.4 per cent in 2008-09. However, the saving rate of
household sector and private corporates remained
stable at 22.6 per cent and 8.4 per cent respectively
(22.6 per cent and 8.7 per cent during 2007-08).
I.1.2 During 2009-10, the industrial sector witnessed

10.4 per cent growth, which was higher than the 9.1
per cent annual average growth rate achieved during
the pre-global financial crisis years, 2003-08. The
Index of Industrial Production (IIP) clocked a growth
of 10.5 per cent during 2009-10 (8.7 per cent during
2003-08). The growth was observed in all three subsectors viz., mining (9.9 per cent), manufacturing (10.9
per cent) and electricity (6.0 per cent). On Use-based
classification of sectors, capital goods and
intermediate goods reported a growth of 19.2 per cent
and 13.6 per cent respectively.
I.1.5 During 2009-10, inflation changed its course

significantly over two distinct phases. While Year-onYear Wholesale Price Index (WPI) inflation remained
low during first half of the year (negative during JuneAugust 2009), it accelerated in the second half to reach
11.0 per cent by March, 2010. The base effect of high
prices in the first half of 2008-09 contributed to the
low rate of inflation during the first half of 2009-10.
The decline in the base effect, along with sharp
increase in prices of food items and oil prices
contributed to the increase in inflation during the
second half of 2009-10. Lower agricultural production
and increase in oil prices at the international levels
were also the contributory factors. The domestic equity
markets witnessed a substantial rebound in activity
due to strong domestic recovery and improved
external conditions in 2009-10. The benchmark
Bombay Stock Exchange (BSE) Sensex closed at
17,529 points as on 31st March, 2010 surpassing 9,709
points as on 31 st March, 2009, although still
significantly lower than its peak levels. The corporate
sector raised `32,607 crore through public issues
I.1.3 The services sector exhibited significant

resilience to the contagion from the global crisis.
During 2009-10, the services sectors contribution to
the GDP, registered an 8.3 per cent growth (10.1 per
cent during pre-crisis years 2003-08). Domestic
demand driven services such as commercial vehicle
sales, cell-phone connections, railway traffic and
construction activity showed higher rate of growth.
Services dependent on external demand such as
tourist arrivals, cargo handled at major ports and
passengers handled at international terminals
9
during 2009-10, both initial and follow-on offering,

which was higher than `14,671 crore raised during
2008-09. Foreign Institutional Investors (FIIs) invested
`1,12,236 crore in the Indian equity market during
2009-10. This is in marked reversal of 2008-09 when
the FIIs had withdrawn `48,248 crore from the capital
market, and is still reflective of the fragile financial
position of the global economy. The growth in
merchandise exports remained negative for 12
successive months during October 2008 to September
2009. It, however, witnessed a turnaround in October
2009, reflecting the turnaround for the economy. The
recovery in domestic economic activity and
resurgence in oil prices, also led to a rebound in Indias
imports, from November 2009 onwards. As a result,
imports witnessed a robust growth at a monthly
average of 47.9 per cent during December 2009 to
June 2010.
same for non-life business was USD 1735 billion.

During 2009, the premium in life insurance business
fell by 2 per cent on account of double digit decline in
premium collection in USA and UK. However,
compared to 2008, when life insurance premium fell
by 5.8 per cent, this is an improvement on account of
the improved sentiment in the calendar year 2009.
On a product basis, investment-linked insurance
products continued to perform worse than traditional
products with guaranteed returns. Meanwhile,
premiums in most emerging market countries,
particularly in Asia, continued to grow, albeit at a
slower pace. As major investors, life insurers profited
from the recovery of stock and credit markets.
Profitability and risk capital also improved as capital
markets rebounded, but have not yet returned to their
pre-financial crisis levels.
TABLE 1
REAL GROWTH IN PREMIUM DURING 2009*
I.1.6 On the strength of short-term capital inflows and

positive growth outlook, the rupee appreciated against
the US dollar in 2009-10, though this was marked by
intermittent depreciation pressures. An easy supply
situation against the backdrop of revival in capital flows
too led to moderation in forward premia. Although
capital inflows were not excessive in relation to the
financing gap in the current account, the exchange
rate appreciated, reflecting the flexibility of the
exchange rate. The average exchange rate (Rupee/
US Dollar) for the year 2009-10 was 47.4 (45.9 in
2008-09). During 2009-10, the net accretion to Indias
foreign exchange reserve was USD 27.1 billion
(including revaluation gains). The revaluation gains
accrued on account of two factors, viz., (i) depreciation
of the US dollar vis-a-vis other non-US dollar
currencies in which part of the reserves are
maintained; and (ii) increase in price of gold, which
remained buoyant for most part of 2009-10.
(In per cent)

Regions/Countries
Industrialised countries
Emerging markets
Asia
India**
World
Life
-2.8
4.2
1.8
10.1
-2.0
Non-Life
-0.6
2.9
5.6
1.6
-0.1
Total
-1.8
3.5
2.8
9.0
-1.1
Source: Swiss Re, Sigma No. 3/2010. Note: * calendar year.

** Financial Year 2009-10
I.2.3 During the crisis, non-life insurance was not

significantly impacted. Despite losses on the
investment side, insurers had more than enough
capacity to meet the demand. Non-life premiums
remained stable in 2009, falling just 0.1 per cent. While
non-life premiums fell in the US and Europe, they rose
in the other regions. Given the sharp decline of real
GDP, this flatness is reasonably acceptable.
Nevertheless, combined ratios show that underwriting
results have further weakened. In 2009, underwriting
results in non-life turned negative, despite lower
natural catastrophe losses and lower losses from the
US financial guarantee business, which had hurt
underwriting results in 2008. It was, thus, lower
premium rates in non-life insurance which hurt
profitability in 2009. There was no shortage of capacity
and premium rates did not increase. Still, overall
profitability improved due to the recovery of credit and
equity markets, as witnessed in the life segment.
2. WORLD INSURANCE SCENARIO

I.2.1 As per World Insurance Report published by
reinsurance major Swiss Re, the global insurance
premium for the calendar year 2009 was
USD 4066 billion, which is 1.1 per cent (inflationadjusted) lower than USD 4220 billion reported during
the previous calendar year 2008.
I.2.2 The share of life insurance business was 57 per
cent in total premium collection. While life insurance
business collected USD 2331 billion as premium, the
10
I.2.4 In sixty-six per cent of the countries, insurance

grew faster than GDP, which shows the robustness
of the industry. Further, as credit and stock markets
recovered in 2009, the industry was able to restore its
capital base. Investment results and overall profitability
also improved during the period. During the financial
crisis, the insurance industry continued to provide
cover and pay claims, reflecting the industrys
robustness. Unlike the banking sector, insurers did
not receive government support in the form of capital
or guarantee, except in a few cases. Thus, the
insurance industry was largely not impacted by the
financial crisis in the same way as banking sector had
been although asset values showed a decline in line
with the overall trends across world economies.
I.2.5 During year 2010, it is expected that overall

premium growth in the industry will turn positive and
profitability and balance sheets will continue to
improve. The prospects for life insurance in 2010 are
promising as growth resumes in the sector. A further
recovery of the financial markets is likely to stimulate
the overall growth of unit-linked products and allow
insurers to continue strengthening their balance
sheets. Over the longer term, life insurance will profit
from the ageing of the population, which will boost
the sales of pension, disability, critical illness and longterm care products. Non-life premium growth in the
industrialised countries is gradually expected to rise.
However, the continued pressure on rates will hamper
profitability and could limit premium growth. As interest
rates are likely to stay low in 2010, investment returns
will also be adversely affected. Overall, profitability
and return on equity will be below average.
Insurance density in select countries - 2009
Source: Swiss Re, Sigma No. 3/2010.

Data is in USD.
11
Insurance penetration in select countries - 2009
Source: Swiss Re, Sigma No. 3/2010.
insurance premium in global non-life insurance

premium remained very low at 0.46 per cent and India
ranked 26th in global non-life insurance premium.
Indian Insurance in the global scenario

I.2.6 In life insurance business, India ranked 9th among
the 156 countries for which data are published by
Swiss Re. During 2009, the life insurance premium in
India grew by 10.1 per cent (inflation adjusted).
However, during the same period, the global life
insurance premium had contracted by 2 per cent. The
share of Indian life insurance sector in global market
was 2.45 per cent during 2009, as against 1.98 per
cent in 2008.
Insurance penetration & density in India

I.2.8 The measure of insurance penetration and
density reflects the level of development of insurance
sector in a country. While insurance penetration is
measured as the percentage of insurance premium
to GDP, insurance density is calculated as the ratio of
premium to population (per capita premium). Since
opening up of Indian insurance sector for private
participation, India has reported increase in both
insurance penetration and density. But, the increase
has been almost entirely contributed by the life
insurance sector.
I.2.7 The non-life insurance sector witnessed a

marginal growth of 1.6 per cent during 2009. However,
its performance was better when compared to global
non-life premium, which contracted by 0.1 per cent
during the same period. The share of Indian non-life
12
TABLE 2
INSURANCE PENETRATION AND DENSITY IN INDIA
Life
Penetration
(% age)
Density
(USD)
Non-Life
Penetration
(% age)
Industry
Density
Penetration
(USD)
(% age)
Year
Density
(USD)
2001
9.1
2.15
2.4
0.56
11.5
2.71
2002
11.7
2.59
3.0
0.67
14.7
3.26
2003
12.9
2.26
3.5
0.62
16.4
2.88
2004
15.7
2.53
4.0
0.64
19.7
3.17
2005
18.3
2.53
4.4
0.61
22.7
3.14
2006
33.2
4.10
5.2
0.60
38.4
4.80
2007
40.4
4.00
6.2
0.60
46.6
4.70
2008
41.2
4.00
6.2
0.60
47.4
4.60
2009
47.7
4.60
6.7
0.60
54.3
5.20
Insurance density is measured as ratio of premium (in US Dollar) to total population.

Insurance penetration is measured as ratio of premium (in US Dollars) to GDP (in US Dollars).
Source: Swiss Re, Various Issues.
I.2.9 The insurance density of life insurance sector
I.2.10 The penetration of non-life insurance sector in
had gone up from USD 9.1 in 2001 to USD 47.7 in
the country remains near-constant for the last 9 years
2009. Similarly, insurance penetration of life sector
at around 0.60 per cent. However, there is a marginal
had gone up from 2.15 per cent in 2001 to 4.60 per
increase in density, which has increased from USD
cent in 2009.
2.4 in 2001 to USD 6.7 in 2009.
13
I.3.3 During the financial year 2009-10, IRDA had
3. APPRAISAL OF INDIAN INSURANCE MARKET
granted Certificate of Registration to three new
Registered Insurers
companies, viz., IndiaFirst Life Insurance Company

Ltd.; SBI General Insurance Company Ltd., and Max
I.3.1 At end-September 2010, there were forty-eight

insurance companies operating in India; of which
twenty three were in the life insurance business and
the remaining twenty-four were in general insurance
business. In addition, GIC is the national reinsurer.
Bupa Health Insurance Company Ltd. L & T General

Insurance Company Ltd., was granted registration in
2010-11.
I.3.2 Of the forty-eight companies presently in

operations, 8 are in the public sector: two specialised
insurers, namely ECGC and AIC, one in life insurance,
four in general insurance and one reinsurance. The
remaining forty companies are in the private sector.
LIFE INSURANCE
Premium
I.3.4 Life insurance industry recorded a premium
TABLE 3
REGISTERED INSURERS IN INDIA
income of `2,65,450 crore during 2009-10 as against

`2,21,785 crore in the previous financial year,
(As on 30th September, 2010)
registering a growth of 19.69 per cent. While private

Type of business
Life Insurance
General Insurance
Reinsurance
Total
*
Public
Sector
1
6*
1
8
Private
Sector
22
18**
0
40
sector insurers posted 23.06 per cent growth (25.09

Total
23
24
1
48
per cent in previous year) in their premium income,

LIC recorded 18.30 per cent growth (5.01 per cent in
previous year).
Includes specialised insurance companies - ECGC and AIC
I.3.5 While renewal premium accounted for 58.60 per
** Includes three Standalone Health Insurance Companies

Star Health & Allied Insurance Co., Apollo Munich Health
Insurance Co. and Max Bupa Health Insurance Co.
cent (60.62 per cent in 2008-09) of the total premium

received by the life insurers, first year premium
contributed the remaining 41.40 per cent (39.38 per
Includes L&T General Insurance Company Ltd., which was

granted registration in 2010-11.
14
TABLE 4
PREMIUM UNDERWRITTEN BY LIFE INSURERS
cent in 2008-09). During 2009-10, the growth in

renewal premium was 15.69 per cent (24.91 per cent
(` crore)
in 2008-09). By comparison, the growth in first year

Insurer
premium was higher at 25.84 per cent during

2009-10 (negative 6.81 per cent in 2008-09).
LIC
I.3.6 Further bifurcation of the first year premium
Private Sector
indicates that single premium income received by the

life insurers recorded 31.05 per cent growth during
Total
2009-10 (negative 3.34 per cent in 2008-09). Single

premium products continue to play a major role for
LIC
LIC as they contributed 24.36 per cent of LICs total

premium income (21.64 per cent in 2008-09). In
Private Sector
comparison, the contribution of single premium income

in total premium income was only 4.84 per cent for
Total
private insurance companies during 2009-10

(5.41 per cent in 2008-09).
LIC
I.3.7 The contribution of regular premium to the total
Private Sector
premium stood at 22.87 per cent in 2009-10

(22.46 per cent in 2008-09). During 2009-10, the
Total
amount of renewal premium received by the life

insurance companies had gone up by 15.69 per cent
LIC
(24.91 per cent during 2008-09). Private insurers

reported higher growth of 35.11 per cent in renewal
Private Sector
premium in 2009-10 than 10.03 per cent reported by

LIC.
Total
I.3.8 Unit-linked products (ULIPs) witnessed 27.44

LIC
per cent increase in premium income from

`90,647 crore in 2008-09 to `1,15,521 crore in
Private Sector
2009-10. On the other hand, the growth in premium

income of traditional products was lower at 14.33 per
Total
cent, with premium income increasing to

`1,49,929 crore as against `1,31,138 crore in
2008-09
Regular premium
19140.61
(-27.01)
30663.04
(6.97)
49803.65
(-9.26)
Single premium
34038.47
(0.78)
3488.97
(-30.91)
37527.44
(-3.34)
First Year premium
53179.08
(-11.36)
34152.01
(1.29)
87331.09
(-6.81)
Renewal premium
104108.96
(15.94)
30345.43
(70.05)
134454.39
(24.91)
Total premium
157288.04
(5.01)
64497.44
(25.09)
221785.48
(10.15)
2009-10
26184.48
(36.80)
34529.75
(12.61)
60714.23
(21.91)
45337.42
(33.19)
3842.37
(10.13)
49179.79
(31.05)
71521.90
(34.49)
38372.12
(12.36)
109894.02
(25.84)
114555.41
(10.03)
41000.94
(35.11)
155556.35
(15.69)
186077.31
(18.30)
79373.06
(23.06)
265450.37
(19.69)
Note: Figure in brackets indicates the growth (in per cent)
2008-09. Accordingly, the share of unit-linked products
over the previous years.
in total premium increased to 43.52 per cent in

2009-10 as against 40.87 per cent in 2008-09.
(Statement No. 10)
15
Market Share
New Policies
I.3.9 On the basis of total premium income, the market

share of LIC declined marginally from 70.92 per cent
in 2008-09 to 70.10 per cent in 2009-10. Accordingly,
the market share of private insurers had gone up
marginally from 29.08 per cent in 2008-09 to 29.90
per cent in 2009-10.
I.3.11 During 2009-10, life insurers had issued 532
I.3.10 The market share of private insurers in first

year premium was 34.92 per cent in 2009-10 (39.11
per cent in 2008-09). The same for LIC was 65.08 per
cent (60.89 per cent in 2008-09). However, in renewal
premium, LIC had a much higher share of 73.64 per
cent (77.43 per cent in 2008-09) when compared to
26.36 per cent (22.57 per cent in 2008-09) share of
private insurers.
cent (-4.52 per cent in 2008-09) in the number of
lakh new policies, out of which, LIC issued 389 lakh

policies (73.02 per cent of total policies issued) and
the private life insurers issued 144 lakh policies (26.98
per cent). While LIC reported an increase of 8.21 per
policies issued over the previous year, the private
sector insurers reported a decline of 4.32 per cent
(13.19 per cent increase in 2008-09) in the number of
new policies issued.
I.3.12 Overall, the industry witnessed a 4.52 per cent
increase (0.10 per cent in 2008-09) in the number of
TABLE 5
MARKET SHARE OF LIFE INSURERS
new policies issued.
(per cent)
Insurer
2008-09
TABLE 6
NEW POLICIES ISSUED : LIFE INSURERS
2009-10
(in lakh)
Regular Premium
LIC
38.43
43.13
Insurer
Private Sector
61.57
56.87
LIC
100.00
100.00
Total
Single Premium
LIC
Private Sector
Total
Private Sector
90.70
92.19
9.30
7.81
100.00
100.00
Total
2008-09
2009-10
359.13
388.63
(-4.52)
(8.21)
150.11
143.62
(13.19)
(-4.32)
509.24
532.25
(0.10)
(4.52)
First Year Premium

LIC
60.89
65.08
Private Sector
39.11
34.92
100.00
100.00
Total
Note: Figure in brackets indicates growth over previous year

(in per cent).
Paid-up capital
Renewal Premium
LIC
77.43
73.64
I.3.13 The total capital of the life insurance companies
Private Sector
22.57
26.36
as on 31st March, 2010 was `21,020 crore. During
100.00
100.00
2009-10, an additional capital of `2,765 crore was
Total
brought in by the industry. The incremental capital
Total Premium
LIC
70.92
70.10
during 2009-10 was brought in by the private sector
Private Sector
29.08
29.90
insurers as there was no addition in the capital of LIC,
100.00
100.00
Total
the public sector insurance company.
16
TABLE 7
PAID-UP CAPITAL : LIFE INSURERS
I.3.15 The increase in expenses was lower than the

increase in the gross premium collected by the
insurers in 2009-10. As such, the commission
expenses ratio (commission expenses as a
percentage of premiums) declined marginally to 6.85
per cent in 2009-10 from 7.00 per cent of 2008-09.
Overall, while the commission expenses increased in
the case of regular premium, there has been a fall in
the commission paid towards both single and renewal
premium products. However, there is some variation
in the position when compared between the private
insurers and LIC, as reflected in Table 9, providing
bifurcation of the commission ratios for both private
and public sector life insurers.
(` crore)
INSURER
st
st
31 March, Additions 31 March,

2009
during
2010
2009-10
LIC
5.00
0.00
5.00
Private Sector 18249.77
2765.22 21014.99
TOTAL
18254.77
2765.22
21019.99
Expenses of life insurers
I.3.14 As per section 40B of the Insurance Act, 1938
no life insurer can spend as expenses of management
in any year an amount in excess of the limits
prescribed under Rule 17D of the Insurance Rules,
1939. Rule 17D takes into consideration the size and
age of the insurer, while laying down the limits of such
expenses. The IRDA, on the recommendations of the
Life Insurance Council constituted under Section 64F
may enhance the limits in any year. Expenses of
management refer to all charges incurred whether
directly or indirectly and include commission payments
of all kinds, operating expenses and expenditure
capitalised.
TABLE 9
COMMISSION EXPENSES RATIO :
LIFE INSURERS
(in per cent)
Insurer
LIC
Private Sector
Total
LIC
Private Sector
Total
LIC
Private Sector
Total
LIC
Private Sector
Total
LIC
Private Sector
Total
2008-09
Regular Premium
4350.91
4554.34
8905.25
Single Premium
432.81
39.15
471.96
First Year Premium
4783.72
4593.49
9377.21
Renewal Premium
5271.37
880.78
6152.15
Total Premium
10055.09
5474.27
15529.36
2009-10
Regular Premium
LIC
22.73
23.30
Private Sector
14.85
14.41
Total
17.88
18.24
Single Premium
TABLE 8
COMMISSION EXPENSES : LIFE INSURERS
(` crore)
Insurer
2008-09
2009-10
LIC
1.27
1.16
Private Sector
1.12
1.20
Total
1.26
1.16
First Year Premium
6100.48
4975.86
11076.34
LIC
526.38
46.11
572.49
9.00
9.27
Private Sector
13.45
13.09
Total
10.74
10.60
Renewal Premium
6626.85
5021.98
11648.83
LIC
5.06
4.81
Private Sector
2.90
2.51
Total
5505.71
1030.77
6536.48
4.58
Total Premium
4.20
LIC
6.39
6.52
Private Sector
8.49
7.63
Total
7.00
6.85
Note: Commission expenses ratio is the ratio between

commission expenses and the premium underwritten by life
insurers
12132.56
6052.75
18185.31
17
I.3.16 The operating expenses of the life insurers had

decreased to 10.85 per cent in 2009-10 from their
earlier level (11.65 per cent in 2008-09). The operating
expenses towards life insurance business were
`28,807 crore in 2009-10 as against `25,827 crore in
2008-09.
exemption from the limits under Rule 17D to 22 private

insurers in the first five years of commencement of
their business operations.
I.3.19 Out of the 23 life insurance companies
(including 1 PSU) in 2009-10, 10 companies were in
the exemption period. Of the balance, 9 companies
(including 1 PSU) were compliant with the limits under
Rule 17D/directions of the Authority.
TABLE 10
OPERATING EXPENSES : LIFE INSURERS
(` crore)
Insurer
LIC
Private Sector
TOTAL
2008-09
9064.29
16763.03
25827.32
Benefits Paid
I.3.20 The life industry paid higher gross benefits of
`95,833 crore in 2009-10 (`58,527 crore in 2008-09)
constituting 36.10 per cent of the gross premium
underwritten (26.39 per cent in 2008-09). The benefits
paid by the private insurers at `16,671 crore
(`6,025 crore in 2008-09), showed an increase of
176.71 per cent constituting 21.00 per cent of the
premium underwritten (9.34 per cent in 2008-09). LIC
paid benefits of `79,162 crore in 2009-10, constituting
42.54 per cent of the premium underwritten
(`52,502 crore in 2008-09, 33.38 per cent of the total
premium underwritten). The benefits paid by the life
insurers net of re-insurance were `95,578 crore
(`58,370 crore in 2008-09). There has been a
significant increase in the benefits paid on account of
surrenders/withdrawals which stood at `36,244 crore,
of which LIC accounted for `22,395 crore and private
sector `13,849 crore. The comparative previous year
statistics were `13,869 crore, of which LIC accounted
for `9,723 crore and private sector `4,146 crore.
2009-10
12245.82
16561.11
28806.93
I.3.17 Operating expenses, as a per cent of gross

premium underwritten, increased marginally for LIC
from 5.76 per cent in 2008-09 to 6.58 per cent in 200910. However, the same declined sharply for private
insurers from 25.99 per cent in 2008-09 to 20.86 per
cent in 2009-10. For the industry as a whole, the
operating expenses ratio declined from 11.65 per cent
in 2008-09 to 10.85 per cent in 2009-10. The efforts
at rationalising and bringing down the expense ratios
are in line with IRDAs stand that private insurance
companies should take all steps to ensure compliance
with the mandatory stipulations on the expenses of
management.
TABLE 11
OPERATING EXPENSES RATIO : LIFE INSURERS
Individual Death Claims

I.3.21 In the year 2009-10, the life insurance
companies settled 7.26 lakh (6.05 lakh in 2008-09)
claims on individual policies, with a total payout of
`5,958 crore (`4,798 crore in 2008-09). The number
of claims repudiated stood at 14,693 (12,781 in
2008-09) for an amount of `245 crore (`180 crore in
2008-09). The number of claims pending at the year
end was 15,892 (16,915 in 2008-09) and the amount
involved was `286 crore (`243 crore in 2008-09). Of
these claims, 2,180 were pending for more than one
year. (Statement No. 12)
(in per cent)

INSURER
LIC
Private Sector
TOTAL
2008-09
5.76
25.99
11.65
2009-10
6.58
20.86
10.85
Note: Operating expenses ratio is the ratio of operating

expenses to the premium underwritten by the life insurers
I.3.18 As the initial set-up costs incurred by any

insurance company is high, the Authority granted
TABLE 12
INDIVIDUAL DEATH CLAIMS : LIFE INSUERS (2009-10)
(Figures in per cent of policies)
Insurer
Total
Claims
Private
LIC
Total
100.00
100.00
100.00
Claims
Claims
paid repudiated
84.88
96.54
95.24
7.60
1.21
1.93
Claims
Claims
written pending at
back end of year
0.04
0.84
0.75
7.48
1.41
2.08
18
Break up of claims pending

duration wise (Policies)
<3
3 to 6
6 to 12
> 12
months
months
months
months
68.66
14.47
7.70
9.18
36.75
23.95
22.55
16.75
49.53
20.15
16.60
13.72
I.3.22 The claim settlement ratio of LIC was higher

Group Death Claims
than that of the private life insurers. While LIC settled
96.54 per cent in 2009-10 (95.48 per cent in
I.3.23 A total of 3,05,739 group claims were settled in
2008-09) of claims intimated to it during the same year,
2009-10 out of 3,09,151 claims intimated to the life
the private life insurers settled 84.88 per cent
insurers. Of these, the number of claims repudiated
(82.26 per cent in 2008-09) of the claims intimated.
The percentage of repudiations for LIC was quite low
was 1,520, at 0.49 per cent of the claims intimated.
at 1.21 per cent (1.33 per cent in 2008-09) as against
(Statement No. 13)
7.60 per cent (9.97 per cent in 2008-09) for the private
life insurers.
TABLE 13
GROUP DEATH CLAIMS : LIFE INSURERS (2009-10)
(Figures in per cent of policies)
Insurer
Total
Claims
Claims
Claims
paid repudiated
Claims
Claims
written pending at
back end of year
Private
100.00
96.80
1.61
0.02
1.58
71.00
11.16
9.94
7.90
LIC
100.00
99.80
0.01
0.00
0.19
47.89
20.60
16.13
15.38
Total
100.00
98.90
0.49
0.01
0.61
66.03
13.19
11.27
9.51
I.3.24 In the year 2009-10, the life insurers settled

98.90 per cent (98.63 per cent in 2008-09) of the total
claims payable while 0.61 per cent (0.81 per cent in
2008-09) remained pending for settlement or
otherwise as at 31st March, 2010. While LIC settled
99.80 per cent (99.76 per cent in 2008-09) of group
death claims, private insurers settled 96.80 per cent
(92.51 per cent in 2008-09). This ratio is much higher
than that of individual policies.

<3
3 to 6
6 to 12
> 12
months
months
months
months
Retention Ratio
I.3.26 LIC traditionally reinsures a small component
of its business. During 2009-10, `95 crore was ceded
as reinsurance premium (`101 crore in 2008-09).
Similarly, in the case of private insurers, a small
component of the business was reinsured, with group
business forming the major component of the
reinsurance cessions. The private insurers together
ceded `407 crore (`325 crore in 2008-09) as premium
towards reinsurance. It may be interesting to view this
in the context of the fact that the risks pertaining to
the investments component of the unit linked
insurance products are borne by the policyholders and
a significant component of the new business premium
underwritten by the industry in 2009-10 was towards
unit linked products.
Investment income
I.3.25 As the operations of the life insurers stabilise,
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
`1,12,425 crore in 2009-10 compared to `42,804 crore
in 2008-09. As a percentage of total income, it
constituted 37.64 per cent in 2009-10 as against 21.37
per cent in 2008-09. The income from investment
includes transfer/gain on revaluation/change in fair
value. In the case of private insurers, the investment
income including capital gains was higher at
`42,831 crore in 2009-10 as compared to
`10,416 crore in 2008-09. As a percentage of total
income, it constituted 30.70 per cent in 2009-10.
Profits of life insurers

I.3.27 Life insurance industry is capital intensive, and
insurers are required to infuse capital at regular
intervals to fund both the new business strain and to
expand their infrastructure base including expenses
on initial operations, training costs for development
of the distribution channels, creating niche markets
and achieving reasonable levels of persistency. The
experience of the insurance markets globally indicates
19
that companies in the life sector take seven to ten

years to break-even.
Returns to shareholders
I.3.30 For the year 2009-10, LIC has paid `1,031 crore
as dividend to Government of India. This is
97 per cent of its net profit earned during the year.
LIC had paid the same per cent of its net profit as
dividend during 2008-09 when it paid `929 crore as
dividend to the ex-chequer.
I.3.28 Out of the 23 life insurers in operations during

2009-10, 8 companies have reported profits viz. LIC,
ICICI Prudential, Kotak Mahindra, SBI, MetLife, Bajaj
Allianz, Sahara India and Aegon Religare. Life
Insurance Corporation of India had reported net profit
of `1,061 crore i.e., an increase of 10.80 per cent over
`957 crore in 2008-09. ICICI Prudential reported a
net profit of `258 crore after incurring losses for eight
consecutive years, after setting up operations. Kotak
Mahindra had reported a profit of `69.22 crore for the
second year in a row; it reported profit for the first
time in 2008-09. SBI Life reported profit of `276 crore,
as against a loss of `26.31 crore in 2008-09. SBI Life
reported net profits for three consecutive years prior
to this from 2005-06 to 2007-08. MetLife has reported
a profit of `25.06 crore. The insurer has been reporting
profits continuously in the last three financial years.
However, MetLife is carrying deficit in the
Policyholders Account from 2007-08 to 2009-10.
Sahara India reported a profit of `36.15 crore as
against a loss of `18.15 crore during 2008-09. Sahara
India had reported profits for the first time in 2007-08.
Aegon Religare reported profits for the second year
in the row from inception in 2008-09. The company
reported profit of `3.82 crore in 2009-10 (`4.08 crore
in 2008-09). Aegon is, however, carrying deficit in the
Policyholders Account for 2008-09 and 2009-10. Bajaj
Allianz has reported a profit of `542 crore in 2009-10.
Shriram Life after reporting profits for four years in a
row, registered a loss of `18.06 crore during
2009-10, the first in its five year of operations
(Statement No.20).
I.3.31 None of the private insurance companies paid

dividends during 2009-10. This position is similar to
that in previous year 2008-09.
TABLE 14
DIVIDENDS PAID : LIFE INSURERS
(` Crore)
Insurer
Public
Private
Total
2008-09
929.12
929.12
2009-10
1030.92
1030.92
Expansion of offices
I.3.32 During the year under review, there had been
a move towards rationalisation of the offices of life
insurance companies in India. While LIC opened 220
new offices, the number of offices of the private
insurers decreased to 8,768 from 8,785 in 2008-09.
Most private players resorted to restructuring to bring
down operating costs. Since opening up of the sector
in 2000, this is the first time that a negative growth
has been observed in the number of branch offices of
private sector life insurance companies. In 2008-09,
the number of offices in the private sector had
increased by 37.46 per cent.
I.3.29 The cumulative losses of the life insurance

industry as at 31st March, 2010 stood at `20,143 crore,
as against `17,304 crore as at 31st March, 2009.
TABLE 15
NUMBER OF LIFE INSURANCE OFFICES*
(as on 31st March)
Insurer
2010
2009
2008
2007
2006
Private
8768
8785
6391
3072
1645
LIC
3250
3030
2522
2301
2220
12018
11815
8913
5373
3865
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, 1938.
20
I.3.33 With the focus shifting to other than metro and

urban regions in the year 2009-10, majority of the
offices of life insurance companies [72.13 per cent
(as against 71.32 per cent in 2008-09)], are located
either in semi-urban areas or in small towns, which
are not listed in HRA classification of the Ministry of

Finance. The break-up in favour of these areas is
equally noticeable in case of both private sector and
public sector life insurance companies.
TABLE 16
DISTRIBUTION OF OFFICES* OF LIFE INSURERS (as on 31st March, 2010)
Insurer
Metro
Urban
Private
897
1555
LIC
347
1244
Total
Semi-urban
Others
Total
3607
2709
8768
550
923
1430
3250
2105
4530
4139
12018
* Offices opened after seeking approval of the Authority.

Note:
2) Based on the HRA classification of places done by the Ministry of Finance.
Metro
Urban
Semi-urban
Others
: Delhi, Mumbai, Chennai, Kolkata, Hyderabad and Bangalore.

: A, B-1 and B-2 class cities of the HRA classification.
: C class cities of the HRA classification.
: Places not listed in the HRA classification.
BOX ITEM 1
PROFITABILITY OF LIFE AND NON-LIFE INSURERS
The nature of Insurance business is long-term and its profitability is a key issue, which depends upon many
factors (such as interest rate fluctuations, observed mortality rates, lapse rates etc.) and is measured
differently. With a lot of initial expenses, apart from the very nature of the business, insurance companies
take at least a few years time to reach the break-even point. Subsequent to the opening up of the insurance
sector to private participation, the number of companies continues to grow. The number of companies,
which have started making profits, is also increasing, although there is a delay in moving to positive territory,
as against what was envisaged at the time of registration of the insurance companies with IRDA. A summary
of the profitability status of the insurance companies as at the end of 2009-10 is given below separately for
life and non-life companies.
Life Insurance Sector
During 2009-10, out of the 22 private life companies, seven revealed profit after tax as compared to four in
the previous two years. Out of the seven companies which reported profit in 2009-10 three companies
showed profits continuously for the last two years. It is important to note that the life insurance sector is
witnessing an increasing number of companies which are entering the positive zone. Except for the newcomers
whose expense levels in the initial years are bound to result in sizeable losses, existing insurance companies
which reported losses during the year, have been able to reduce the quantum of losses when compared to
that incurred in the previous year. The sector has been able to recover from the impact of global meltdown
of the previous year (which resulted in a mere growth rate of 10.15 per cent) and has recorded a growth of
19.69 per cent during the year. Additional capital that has been injected into the industry in 2009-10 was
`2,766 crore. But, for most of the companies the expected break-even point has shifted forward as compared
to what was envisaged at the time of their application for licence to underwrite insurance business in
India. Many companies achieved their targets (as set out at the licensing stage) in terms of premium income.
Although this is a welcome sign, this has its own attendant problems. Along with the premium growth,
companies had to invest in expanding their branch network and to augment their policy administration
21
department, underwriting department etc. Although some increase in capital expenses was seen, increase
in expenses of management, especially procurement cost of business had increased significantly. This
resulted in an increase in operating costs. Also, the companies exceeded their expected levels of management
expenses per unit premium. Expense growth rate far outweighed the premium growth rate. In addition to
this, the increased lapse rates significantly affected the premium sustainability (hence the profitability) and
rendered the loadings (in the premiums) towards the fixed per policy costs insufficient. Mortality experience
has not affected the profitability of life companies significantly as the experience has not been adverse.
The status of profits/losses after tax of the private sector life companies over the past five years is indicated
in the table below:
Number of private sector life companies according to profit range*
Profit/(Loss) range (` Crore)
> (1000)
(500) - (1000)
(400) - (500)
Loss
(300) - (400)
(200) - (300)
(100) - (200)
0 - (100)
Profit
2005-06
Nil
Nil
Nil
Nil
Nil
4
8
2006-07
Nil
1
Nil
1
Nil
5
6
2007-08
1
1
1
1
4
2
3
2008-09
1
4
2
1
2
2
5
2009-10
Nil
Nil
3
2
3
2
5
0 - 100
100 - 200
200 - 300
300 - 500
> 500
2
Nil
Nil
Nil
Nil
2
Nil
Nil
Nil
Nil
4
Nil
Nil
Nil
Nil
4
Nil
Nil
Nil
Nil
4
Nil
2
Nil
1
Total
14
15
17
21
22
* Without considering the deficit in the policyholders account.
Trends in the policyholders account which resulted in surplus/deficit to the insurers have been on similar
lines to those in the shareholders account.
Non-Life Insurance Sector
During 2009-10, out of the 13 private non-life companies, seven reported profit after tax as compared to six
in 2008-09. Out of the seven companies which were able to generate profits in 2009-10, six companies
have reported profits continuously for the last four years. The trends are similar even in case of the four
Public Sector Undertakings (PSUs). While three of the PSUs made sizeable profit after tax over the previous
year, the fourth PSU recovered considerably from the downfall experienced (losses reported) in the year
2008-09. Overall, non-life insurers have been able to recover considerably from the immediate turbulence
faced in the first full year of complete detariff regime. This is also reflected in the performance of the sector
as a whole which recorded a growth of 13.96 per cent in the premium income as against the growth of 9.11
per cent in the previous year. In case of non-life sector also, there is deferment of expected break-even
point as compared with the projections made in the R1 applications filed with the Authority at the time of
registration. However, the deferment was less pronounced compared to the life insurance sector. The
major factors for deferment of break-even point were increased levels of expenses and huge underwriting
losses.
22
The status of profits/losses after tax of the private sector non-life companies over the past five years is given
in the Table below:
Number of private sector non-life companies according to profit range**

Profit/(Loss) (` crore)
> (200)
Loss
(100) - (200)
0 - (100)
Profit
0 - 100
100 - 200
> 200
Total
2005-06
Nil
Nil
1
2006-07
Nil
Nil
Nil
2007-08
Nil
1
3
2008-09
Nil
Nil
6
2009-10
Nil
1
5
7
Nil
Nil
8
Nil
Nil
4
2
Nil
6
Nil
Nil
5
2
Nil
10
12
13
** Excluding health insurers
TABLE 17
GROSS DIRECT PREMIUM INCOME IN INDIA :
NON-LIFE INSURERS
(` crore)
NON-LIFE INSURANCE
I.3.34 As on 31st March, 2010 there are 23 general
insurance companies, which have been granted
registration for carrying out non-life insurance business
in the country. Of these, six are in public sector and
the rest are in private sector. Among the public sector
companies, there are two specialised insurance
companies: one for credit insurance (ECGC) and the
other for crop insurance (AIC). Out of the 17 private
sector companies, two have been granted licence
during 2009-10 (Annex I). The business growth figures
in the following paragraphs excludes specialised and
three standalone health insurance companies.
Insurer
Public
Private
Total
2008-09
18030.74
(7.12)
12321.09
(12.09)
30351.83
(9.09)
2009-10
20643.45
(14.49)
13977.00
(13.44)
34620.45
(14.06)
Note: Figure in brackets indicates growth over previous year

(in per cent).
I.3.36 The premium underwritten by 13 private sector

insurers in 2009-10 was `13,977 crore as against
`12,321 crore in 2008-09. ICICI Lombard continued
to be the largest private sector non-life insurance
company, which accounted for a market share of 9.52
per cent, although its market share declined from
11.21 per cent in 2008-09. Bajaj Allianz, the second
largest private sector non-life insurance company,
which underwrote a total premium of `2,482 crore,
also saw its market share depleting from 8.63 per cent
in 2008-09 to 7.17 per cent during the year under
review. Of the 13 private insurers, 11 reported an
increase in premium underwritten (9 out of 10 in 200809). Two of the non-life insurers had started operations
in 2009-10.
Premium
I.3.35 The non-life insurance industry underwrote a
total premium of `34,620 crore in 2009-10 as against
`30,352 crore in 2008-09 (Table 17) registering a
growth of 14.06 per cent as against an increase of
9.09 per cent recorded in the previous year. The public
sector insurers exhibited an impressive growth in
2009-10 at 14.49 per cent; more than twice the
previous years growth rate of 7.12 per cent. In
contrast, the private non-life insurers registered a
growth of 13.44 per cent, which is only marginally
higher than 12.09 per cent achieved during the
previous year. The figures reflect a comparative
hardening of rates in the industry.
I.3.37 In the case of public sector non-life insurers,

all four companies expanded their business with an
increase in their respective premium collections. While
the market shares of Oriental Insurance and United
India increased in 2009-10 over 2008-09, the shares
23
declined in case of National and New India. United

India underwrote a premium of `5,239 crore in
2009-10 as against `4,278 crore in the previous year,
which helped to improve its market share to 15.13
per cent in 2009-10 from 14.09 per cent in the previous
year. It reported a growth of 22.47 per cent, which is

higher than the industry average for 2009-10. New
India Assurance with an insurance premium of
`6,043 crore remains the largest general insurance
company in India with market share of 17.45 per cent.
TABLE 18
GROSS DIRECT PREMIUM INCOME IN INDIA
TOTAL
(` In crore)
Company
National
New India
Oriental
United
Sub-Total
Royal Sundaram
Reliance
IFFCO-Tokio
TATA AIG
ICICI Lombard
Bajaj Allianz
Cholamandalam
HDFC Ergo
Future Generali
Universal Sompo
Shriram
Bharti AXA
Raheja QBE
Sub-Total
Grand Total
2009-10
4625.18
6042.51
4736.71
5239.05
20643.45
913.11
1979.65
1457.84
853.80
3295.06
2482.33
784.85
915.40
376.61
189.28
416.93
310.82
1.32
13977.00
34620.45
Market Share
(In per cent)
2008-09
4279.90
5508.83
3964.23
4277.77
18030.73
803.36
1914.88
1374.06
823.92
3402.04
2619.29
685.44
339.21
186.49
30.14
113.76
28.50
12321.09
30351.82
2009-10
13.36
17.45
13.68
15.13
59.63
2.64
5.72
4.21
2.47
9.52
7.17
2.27
2.64
1.09
0.55
1.20
0.90
0.00
40.37
100.00
2008-09
14.10
18.15
13.06
14.09
59.40
2.65
6.31
4.53
2.71
11.21
8.63
2.26
1.12
0.61
0.10
0.37
0.09
40.59
100.00
Note: indicates not in operation
TABLE 19
PREMIUM (WITHIN INDIA) UNDERWRITTEN BY
NON-LIFE INSURERS - SEGMENT WISE
(` crore)
Segment wise premium

I.3.38 The Motor business continued to be the largest
non-life insurance segment with a share of 43.46 per cent
(43.94 per cent in 2008-09). It reported growth rate of
12.83 per cent (5.13 per cent in 2008-09). The premium
collection in health segment continued to surge ahead at
`7,311 crore in 2009-10 from `6,088 crore of 2008-09,
registering a growth of 20.09 per cent. This resulted in
an increase in the share of health segment to the total
premium to 21.12 per cent in 2009-10 (20.06 per cent in
2008-09). The growth in the health segment far out-paced
the growth rate achieved by the non-life industry as a
whole. The premium collection from Fire and Marine
segments continued to remain stagnant in 2009-10 as
has been the case since the de-tariffing of the sector in
2007.
Department
Fire
Marine
Motor
Health
Others
Total Premium
2008-09
3383
(11.14)
1956
(6.44)
13336
(43.94)
6088
(20.06)
5588
(18.41)
30352
(100.00)
2009-10
3869
(11.18)
2168
(6.26)
15047
(43.46)
7311
(21.12)
6225
(17.98)
34620
(100.00)
Note : Figure in brackets indicate share of respective segment

in total premium (in per cent).
24

I.3.41 Of the total premium of `1,195 crore written outside
India in 2009-10, New India underwrote a higher premium
of `1,057 crore (2008-09: `947 crore), its market share
in the total outside India premium of public sector
non-life insurers increased to 88.39 per cent from 87.96
per cent in 2008-09. National underwrote a premium of
`20.81 crore (2008-09: `15.95 crore). The outside India
premium underwritten by Oriental Insurance stood at `118
crore up from previous years `114 crore, recording a
growth 3.81 per cent.
Premium Underwritten Outside India

I.3.39 Only the public sector insurers (except United
India), are underwriting non-life insurance business
outside India. United India ceased operations outside
India in 2003-04. The total premium underwritten outside
the country by the three public sector insurers stood at
`1,195 crore in 2009-10 as against `1,077 crore in
2008-09 registering a growth of 11.04 per cent
(9.70 per cent in the previous year). Premium underwritten
outside India accounted for 3.34 per cent of total premium
underwritten by the Indian non-life insurance companies.
Policies Issued
TABLE 20
RATIO OF OUTSIDE INDIA PREMIUM TO TOTAL
PREMIUM
(in per cent)
Insurer
National
New India
Oriental
United*
2008-09
0.37
14.67
2.79
-
I.3.42 The total number of policies issued by the non-life

insurers in 2009-10 were 675 lakh as against 671 lakh in
2008-09, reporting a marginal increase of 0.64 per cent
over 2008-09. The growth in number of policies issued
was much lower than the growth achieved in 2008-09,
which was 17.13 per cent. The slowdown in the growth
in the number of policies issued was primarily on account
of public sector insurance companies, which exhibited a
negative growth in the number of policies issued vis-avis the number of policies issued in the previous year. In
contrast, the private sector companies reported a growth
in the number of policies issued at 9.86 per cent although
still lower than the growth in number of policies
underwritten in the previous year.
2009-10
0.45
14.88
2.43
-
* Ceased operations in 2003-04.

I.3.40 New India continued to be the largest public sector
general insurer underwriting premium outside India, with
the premium underwritten outside India constituting 14.88
per cent of the total premium underwritten by it in
2009-10. In case of Oriental, the contribution of outside
India premium to the total premium worked out to be
2.43 per cent in 2009-10, marginally lower than
2.79 per cent in 2008-09. National Insurance continued
to have a small component of overseas business at 0.45
per cent in 2009-10, marginally higher than 0.37 per cent
in 2008-09.
TABLE 22
NEW POLICIES ISSUED : NON-LIFE INSURERS
(in lakhs)
Insurer
Public Sector
Private Sector
TABLE 21
GROSS DIRECT PREMIUM FROM BUSINESS
OUTSIDE INDIA : NON-LIFE INSURERS
(` crore)
Insurer
National
New India
Oriental
United*
Total
2008-09
15.95
(8.22)
946.95
(8.22)
113.64
(23.43)
1076.54
(9.70)
Total
2008-09
451.37
(17.09)
219.22
(17.21)
670.60
(17.13)
2009-10
434.04
(-3.84)
240.84
(9.86)
674.88
(0.64)
Note: Figures in brackets indicate the growth (in per cent) over
previous year.
2009-10
20.81
(30.49)
1056.63
(11.58)
117.97
(3.81)
1195.41
(11.04)
Paid-up Capital
I.3.43 The total paid-up capital of non-life insurers as on
31st March, 2009 was `4,829 crore. During 2009-10, the
non-life insurers added `855 crore (all in the private
sector) to their equity capital base. With this, the total
paid-up capital of Non-life Insurers has gone upto
`5684 crore as at the end of March 2010. The paid-up
capital of the public sector companies remained
unchanged at `550 crore in 2009-10.
Note : Figure in brackets indicate growth over the previous

year (in percent)
* ceased operations in 2003-04
25

TABLE 23
PAID UP CAPITAL : NON-LIFE INSURERS*
AND REINSURER (As on 31st March)
(`crore)
Public Sector
Private Sector
ECGC
AIC
Star Health
Apollo Munich
Max Bupa**
GIC
Total
2009
Non -Life
550
2533
Specialised Insurers
900
200
Health Insurers
109
107
Reinsurer
430
4829
slowdown was observed both in the case of public and

private sector non-life insurers.
TABLE 24
UNDERWRITING LOSSES : NON-LIFE INSURERS
2010
(` crore)
550
3160
Public Sector
900
200
Private Sector
164
129
151
Total
2008-09
2009-10
4226.90
4541.18
(28.06)
(7.43)
1096.87
1359.51
(83.14)
(23.94)
5323.77
5900.69
(36.52)
(10.78)
Note: Figure in brackets indicates growth over the previous

year in per cent.
430
5684
Expenses of Non-Life Insurers
Note: * Including specialised Institutions

** Commenced operations in 2009-10
I.3.45 The commission expenses of public and private

non-life insurers stood at `1,826 crore and `677 crore
respectively for 2009-10, cumulatively amounting to a
total commission expense of `2,503 crore for the nonlife industry. The commission expenses continued to be
the highest in the Motor segment, which stood at `808
crore, comprising of `519 crore for the public sector and
`289 crore for the private sector companies.
Underwriting Experience
I.3.44 The underwriting losses of the non-life insurance
companies increased to `5,901 crore in 2009-10, up from
`5,324 crore in the previous year. However, there
appeared to be a slowdown in the growth of underwriting
losses at 10.78 per cent (2008-09: 36.52 per cent). The
TABLE 25
COMMISSION EXPENSES : NON-LIFE INSURERS
(` crore)
Segment
Private Sector
2008-09
2009-10
Public Sector
2008-09
2009-10
Total
2008-09
2009-10
Fire
59.79
60.79
204.81
239.86
264.60
300.65
Marine
42.28
40.51
120.66
123.26
162.94
163.77
Motor
259.69
289.48
528.41
519.09
788.10
808.57
Health
170.79
129.76
418.7
486.17
589.49
615.93
Others
150.24
156.36
398.28
457.43
548.52
613.79
Total
682.79
676.9
1670.86
1825.81
2353.65
2502.71
26
increase of 12.74 per cent during 2009-10. While the

public sector insurers reported lower growth at 9.75
per cent in the incurred claims, the same was high for
private insurers at 19.47 per cent. However, overall
the growth in incurred claims during 2009-10 at 12.74
per cent was lower than the 20.44 per cent recorded
during the previous year.
I.3.46 Commission expenses and operating expenses

constitute a major part of the total expenses. The
operating expenses of non-life insurance companies
stood at `8,392 crore in 2009-10 as against `7,364
crore in 2008-09, registering a growth of 13.95 per
cent. This growth in the operating expenses was quite
high for public sector insurers (21.05 per cent) as
compared to private sector insurers (3.72 per cent).
TABLE 27
NET INCURRED CLAIMS : NON-LIFE INSURERS
(` crore)
TABLE 26
OPERATING EXPENSES : NON-LIFE INSURERS
(` crore)
Insurer
Insurer
2008-09
2009-10
Public Sector
4347.21
5262.59
Private Sector
3017.22
3129.61
Total
7364.43
8392.20
Public Sector
Private Sector
Total
Note : Public sector does not include ECGC, AIC and GIC
2008-09
2009-10
13637.79
14967.23
(12.48)
(9.75)
6079.16
7262.49
(43.16)
(19.47)
19716.95
22229.72
(20.44)
(12.74)
Note: Figures in brackets indicate the growth rate (in per cent)
of the respective sector
I.3.47 As per section 40C of the Insurance Act, 1938

no insurer can spend as expenses of management in
any year an amount in excess of the limits prescribed
under Rule 17E of the Insurance Rules, 1939. Rule
17E takes into consideration the size and age of the
insurer while stipulating the limits of these expenses.
The Authority based on the recommendation of the
General Insurance Council constituted under Section
64F may enhance the limits in any year.
I.3.51 The incurred claims ratio (net incurred claims

to net premium) of the non-life insurance industry
remained at around 86 per cent during 2009-10 as in
the previous year. Between private and public sector
insurers, it is the public sector insurers, which have a
comparatively higher incurred claims ratio at
88.27 per cent (91.30 in 2008-09). The same for
private sector insurers was 80.30 per cent (76.89 in
2008-09).
I.3.48 The Authority has granted exemption on the

limits under Rule 17E to 15 private insurers in the first
five years of commencement of their business
operations.
I.3.52 Among the various segments, health insurance

had a high claims ratio at 111.13 per cent. In
comparison to the previous year, the incurred claims
ratio in the health segment exhibited an increase from
105.95 per cent. The other segment which reported a
high claims ratio was motor insurance at 84.51 per
cent, although this was lower than the claims ratio in
2008-09 at 88.84 per cent. There was a substantial
reduction in the incurred claims ratio in the marine
segment from 102.90 per cent in 2008-09 to 78.08
per cent in 2009-10.
I.3.49 Out of the 22 non-life insurance companies

(including the four public sector undertakings and the
two specialised institutions) in the year 2009-10, eight
companies are in the exemption period. Of the
balance, four are compliant with the limits under Rule
17E.
Incurred Claims Ratio
I.3.50 The net incurred claims of the non-life insurers
stood at `22,230 crore in 2009-10 as against `19,717
crore in 2008-09. The incurred claims exhibited an
27
TABLE 28
INCURRED CLAIMS RATIO (SEGMENT WISE)
(In per cent)
Segment
Fire
Marine
Motor
Health
Others
Total
Public Sector
2008-09
2009-10
75.86
101.05
98.90
116.60
52.69
91.30
81.10
75.50
87.84
119.85
56.59
88.27
Private Sector
2008-09
2009-10
75.16
109.20
75.67
85.33
59.26
76.89
Investment Income
Private sector
Total
79.91
78.08
84.51
111.13
56.64
85.50
I.3.56 Among the thirteen private insurance

companies, while seven reported profits, the remaining
six incurred net losses during 2009-10. ICICI Lombard
reported net profit of `144 crore (`23.62 crore in
2008-09). The net profits of Bajaj Allianz was
`121 crore in 2009-10 (as against `95.16 crore in
2008-09). The six insurers which reported net losses
were Reliance, HDFC Ergo, Future Generali, Universal
Sompo, Bharti AXA and Rehaja QBE.
(Statement No. 55).
TABLE 29
INVESTMENT INCOME : NON-LIFE INSURERS
(` crore)
2008-09
4799.78
(-23.10)
1091.20
(47.05)
5890.98
(-15.65)
75.72
102.90
88.84
105.95
54.15
86.30
of `708 crore during 2009-10 (`476 crore in

2008-09), the largest among the public sector
companies. The other public sector companies which
reported net profits were New India and National at
`405 crore and `225 crore, respectively. Oriental
Insurance incurred a net loss of `44.25 crore.
(Statement No. 52)
I.3.53 The investment income of all non-life insurers

during 2009-10 was `7,688 crore (`5,891 crore in
2008-09) registering a growth of 30.50 per cent.
During the year under review, the investment income
of both private and public sector insurers reflected an
upward movement at 22.86 per cent and 32.24 per
cent respectively. This is in contrast to 2008-09 when
the public sector insurers had reported a reduction in
investment income by 23.10 per cent.
Insurer
Public sector
72.79
86.40
80.42
92.22
56.81
80.30
Total
2008-09
2009-10
2009-10
6347.27
(32.24)
1340.67
(22.86)
7687.94
(30.50)
TABLE 30
Net Profits/Losses : Non-Life insurers
(` crore)
Insurer
Public Sector
Private Sector
Total
Note: Figure in brackets indicates the growth rate (in per cent)
of the respective Sector.
Net Profits
I.3.54 During 2009-10, the total net profits of non-life
insurance sector was `1,205 crore. The four public
sector companies reported net profit of `1,293 crore,
as against which the private sector companies
collectively reported a net loss of `88.56 crore.
2008-09
498.33
-101.26
397.07
2009-10
1293.07
-88.56
1204.51
Returns to the Shareholders

I.3.57 Of the four public sector non-life insurance
companies, three paid `271 crore as dividends in
2009-10, significantly higher than `141 crore in
2008-09, to the ex-chequer. The total payout of
dividends by the private sector insurers was `71.93
crore during 2009-10 (none of the private sector
companies had declared dividends during 2008-09).
I.3.55 Among the public sector companies, except

Oriental Insurance, all other companies reported net
profits during 2009-10. United India made a net profit
28
I.3.60 The Corporation had 13,429 short-term export

credit insurance policies in force in 2009-10 (13,350
in 2008-09), including transfer guarantees. Premium
income earned on short-term policies during the year
was `289 crore (`247 crore in 2008-09) reporting a
growth of 17.37 per cent as against nominal growth
of just 0.65 per cent in rupee terms corresponding to
a negative growth of 4.7 per cent in dollar terms in
countrys exports during the year 2009-10. Domestic
credit insurance for exporters was introduced during
February, 2009 after obtaining the approval from the
Authority. The company had promoted the product
on a very low key in view of the general economic
slowdown that was being witnessed during the period.
The premium income from the medium and long term
business during 2009-10 was `36.90 crore as against
`33.78 crore in 2008-09 reporting a growth of 9.24
per cent.
While AIC did not declare any dividends during

2009-10 (`20 crore in 2008-09), ECGC paid
`10.75 crore as dividends, which is substantially lower
than `180 crore declared during the previous year.
The dividend paid by GIC increased from `279 crore
in 2008-09 to `353 crore in 2009-10.
TABLE 31
DIVIDENDS PAID : NON-LIFE INSURERS
(` crore)
Insurer
2008-09
2009-10
Non Life
Public sector
141.00
270.98
Private Sector
0
71.93
ECGC
180.00
10.75
AIC
20.00
0
Reinsurer
GIC
279.50
352.60
Total
620.50
706.26
I.3.61 Consequent upon the company coming under

the regulatory regime of the Authority a conscious
effort is being made to gradually shift from bank
deposits to investment opportunities in conformity with
the relevant regulatory provisions. The growth in
investments for the year 2009-10 was 9 per cent and
the total assets of the company expanded by 2 per
cent in 2009-10 from `1,917 crore to `1,959 crore.
Number of offices
I.3.58 As on 31st March, 2010, there were 6,342 offices
in the non-life insurance companies (including
standalone health insurers, but excluding specialised
insurers) operating all over the country. While private
sector companies had a branch network of 1,646, the
public sector companies had 4,696 office network in
place. (Statement No. 69)
Agriculture Insurance Company of India Ltd.

I.3.62 Agriculture Insurance Company of India Ltd.
(AIC) is a specialised insurer underwriting business
in agriculture insurance. The company underwrote
gross direct premium of `1,521 crore in 2009-10,
reporting growth of 82.46 per cent as against
`833 crore in 2008-09. On net basis, the insurer
earned net premiums to the tune of `1,024 crore as
against `743 crore in the previous year. The insurer
reported underwriting profit of `31.87 crore (profit of
`309 crore in 2008-09). The net profit of the company
declined to `64.51 crore from `233 crore in the
previous year. The insurers incurred claims ratio for
the year 2009-10 was 109.78 (71.32 in 2008-09).
SPECIALISED INSTITUTIONS:
Export Credit Guarantee Corporation of India Ltd.
I.3.59 Export Credit Guarantee Corporation of India
Ltd., (ECGC) is a specialised insurer underwriting
business in export credit insurance. The company
underwrote gross direct premium of `813 crore in
2009-10, reporting a growth of 9.17 per cent as against
`745 crore in 2008-09. On net basis, the insurer
earned net premiums to the tune of `576 crore as
against `525 crore in the previous year. The insurer
reported underwriting loss of `99.34 crore in 2009-10
(profit of `258 crore in 2008-09).The net profit of the
company declined to `53.73 crore from `283 crore in
the previous year. The insurers incurred claims ratio
for the year 2009-10 was 117.22 (67.63 in 2008-09).
HEALTH INSURANCE COMPANIES

I.3.63 IRDA has so far granted licence to three
insurance companies to operate exclusively in the
health insurance segment. The performance of these
companies is given below.
29
Star Health and Allied Insurance
I.3.68 The total net premium written by GIC during

2009-10 increased by 18.57 per cent to `8,777 crore
from `7,402 crore in 2008-09. However, its net earned
premium (the net premium after adjustments for
Reserve for Unexpired Risks) during 2009-10
increased marginally (3.46 per cent) to `8,076 crore
from `7,806 crore in 2008-09. The net incurred claims
of GIC stood at `6,856 crore as against `6,217 crore
in 2008-09. The company booked net profit (after tax)
of `1,775 crore as against `1,407 crore, resulting in
growth of 26.11 per cent over the previous year.
I.3.64 Star Health, was the first company granted

registration to underwrite business exclusively in
health, personal accident and travel insurance
segments in 2006-07. In its fourth year of operations,
the insurer underwrote gross direct premium of
`962 crore in 2009-10, reporting growth of 88.61 per
cent as against `510 crore in 2008-09. On net basis,
the insurer earned net premium to the tune of `610
crore as against `301 crore in the previous year. The
insurer reported underwriting loss of `1.74 crore (loss
of `7.44 crore in 2008-09).The net profit of the
company increased to `5.26 crore from `1.24 crore
in the previous year. The insurers incurred claims ratio
for the year 2009-10 was 87.11 (85.74 in 2008-09).
4. REVIEW
4.1 PROTECTION
POLICYHOLDERS
OF
INTERESTS
OF
I.4.1.1 One of the recent initiatives of IRDA, to ensure

that clear information regarding products is given to
the prospect/policyholder in a way he/she can
understand, is the proposal to introduce Key Features
Document in simple language. The test of a Key
Features Document is whether or not the target
customer for a particular product understands its main
features and is able to take a decision as to whether
the product is suitable for him/her. A Key Features
Document would also ensure disclosure by insurers
of other important information such as premium
details, payment modes, various charges, risks
involved, what happens in the event of discontinuance,
etc.
Apollo Munich Health Insurance

I.3.65 Apollo Munich is the second company to receive
registration to underwrite insurance business
exclusively in the health, personal accident and travel
insurance segments. In its third year of operations,
the company underwrote gross direct premium of
`115 crore in 2009-10 as against `48.14 crore in
2008-09, i.e., growth of 138.18 per cent. The net
premium underwritten by the company stood at
`69.96 crore in 2009-10 as against `21.64 crore in
2008-09. The insurer reported underwriting losses of
`98.65 crore (`79.06 crore in 2008-09), and incurred
net loss of `89.70 crore in 2009-10 (`72.18 crore in
2008-09). Its incurred claims ratio was 85.39 per cent
in 2009-10 (114.27 per cent in 2008-09)
I.4.1.2 Needs Analysis or Suitability is another initiative

identified by IRDA as a step in curbing wrong advice
and mis-selling. An exposure draft on the subject
has been issued and feedback from various
stakeholders has been received. The Authority is
currently working on putting in place a system to
ensure that proposals go through a Prospect Product
Matrix before the sale is actually affected. This is to
ensure that mis-selling does not take place.
Max Bupa Health Insurance

I.3.66 Max Bupa is a new entrant in the health
segment and was issued certificate of registration in
the year 2009-10. The company started operations in
the month of March, 2010 and procured gross direct
premium of `0.13 crore. The net premium of the insurer
was `0.12 crore in 2009-10.
I.4.1.3 The Guidelines addressing issues related to

Distance Marketing are proposed to focus on new
challenges of mis-selling that have cropped up with
the advancement of technology. While the benefits of
having new and faster channels need to be reaped,
the loopholes created by them too need plugging.
General Insurance Corporation of India

I.3.67 GIC is the sole national reinsurer, providing
reinsurance to the direct non-life insurance companies
in India. The Corporations reinsurance programme
has been designed to meet the objectives of optimising
the retention within the country, ensuring adequate
coverage for exposure and developing adequate
capacities within the domestic market. It is also the
manager of the Third Party Motor Pool. GIC receives
statutory cession on each and every policy issued by
domestic insurers subject to certain limits and leads
domestic companies treaty and facultative
programmes.
I.4.1.4 Lapsation of policies is a major concern for

the IRDA. The Authority has issued an exposure draft
proposing initiatives to ensure improvements in the
level of persistency. Feedback has been received from
various stakeholders and the same are under
examination.
30
BOX ITEM 2
ULIP NEW GUIDELINES
In January, 2008 the IRDA mandated all the life insurance companies to provide a detailed account of
the premium received, charges levied and money available for investment. This information is required
to be provided to the policyholder with respect to unit linked insurance products (ULIP) for each year
of the contract period. As part of the detailed guidelines issued, the customer is also required to
counter sign a copy of the Sales Illustration so that the authenticated document becomes a part of
Policy document issued to the customer/policyholder. Secondly at the product approval stage, the
IRDA has abstained from giving approval to products which are very difficult to comprehend for the
prospective policyholders. However, the desired result from the perspective of policyholder protection,
has not been achieved.
As a part of the developmental activities, the IRDA has positioned various measures (i) to enhance
the life coverage and (ii) to make the product truly long term in nature. Accordingly, the IRDA issued
Circular no. 102 on 28th June, 2010 regarding various components of the ULIPs. This was followed by
another clarificatory circular no. 124 dated 4th August, 2010 clarifying few specific issues. The significant
features of the structural changes arrived at by the IRDA through these initiatives are indicated below:
a.
The three year lock-in period for all Unit Linked Products has been increased to a period of five
years, including its applicability to top-up premiums. During this stipulated lock-in period no
residuary payments on policies which have lapsed / surrendered / discontinued is permitted to be
made. The residuary payments for policies arising out of policies which stand lapsed/surrendered/
discontinued during the lock-in period shall be payable on the expiry of the lock-in period and in
accordance with the relevant Regulations of the IRDA.
b.
No partial withdrawal is allowed during the lock-in period. However, policy loans may be granted
during the lock-in period.
c.
All regular premium / limited premium ULIPs shall have uniform / level paying premiums. Any
additional premium payments shall be treated as single premium for the purpose of insurance
cover.
d.
All limited premium unit linked insurance products, other than single premium products, shall
have premium paying term of at least five years.
e.
The insurers shall evenly distribute the overall charges with respect to the ULIPs over the lock-in
period.
f.
All unit linked products, other than pension and annuity products shall provide a minimum mortality
cover or a health cover. Mortality and/or health cover can also be offered along with the pension/
annuity products as riders, giving enough flexibility for the policyholders to select covers of their
choice.
g.
All top-up premiums made during the continuance of the contract, except for pension/annuity
products, must also have a component of insurance cover; such top-up premiums shall be
treated as single premium.
h.
The accumulated fund value of unit linked pension / annuity products is the Fund Value as on
the maturity date. All ULIP pension / annuity products shall offer a minimum guaranteed return of
4.5 per cent per annum or as specified by IRDA from time to time, on the maturity date. This
guaranteed return is applicable on the maturity date, for policies where all due premiums are
paid. The minimum guaranteed rate of 4.5 per cent per annum is applicable to all contributions/
premiums received upto March 31, 2011. From 1st April of every year starting from 2011, the
guaranteed interest rate shall be 50 basis points above the average of the reverse repo rate
31
prevailing as on the last working day of June, September, December and March of the preceding
year. Thus, the guaranteed interest rate has been stipulated to be subject to a maximum of 6 per
cent per annum and a minimum of 3 per cent per annum.
i.
In the case of unit linked pension / annuity products, no partial withdrawal is allowed during the
accumulation phase. The insurance company is required to convert the accumulated fund value
into an annuity at the vesting date. However, the insured has an option to commute upto a
maximum of one-third of the accumulated value as lump sum at the time of vesting. In the case
of a surrender, only a maximum of one-third of the surrender value can be commuted after the
lock-in period. The remaining amount must be used to purchase an annuity, subject to the
provisions of Section 4 of the Insurance Act, 1938.
j.
The IRDA has prescribed a cap on charges in case of Unit Linked contracts (i) with a tenor of 10
years or less; and (ii) for those with tenure of above 10 years. However, taking into account the
discontinuance/lapsation/surrender behaviour and with a view to smoothening the cap on charges,
the following limits have been prescribed which are applicable from the 5th policy anniversary:
Number of years
elapsed since inception
Maximum reduction in yield

(Difference between Gross and Net Yield (% per annum))
5
6
7
8
9
10
11 and 12
13 and 14
15 and thereafter
4.00
3.75
3.50
3.30
3.15
3.00
2.75
2.50
2.25
k.
As per the stipulations, the net reduction in yield for policies with term less than or equal to 10
years shall not be more than 3.00 per cent at maturity. For policies with term above 10 years, the
net reduction in yield at maturity shall not be more than 2.25 per cent.
l.
The maximum loan amount that can be sanctioned under any ULIP policy shall not exceed 40
per cent of the surrender value in those policies where equity accounts for more than 60 per cent
of the total value of investment and shall not exceed 50 per cent of the surrender value of those
policies where debt instruments accounts for more than 60 per cent of the total value of investment.
Consumer Education:
not only educating the consumer but also providing a

platform for the consumer to interact with its
representative(s) who, it makes sure, participate in
such seminars.
I.4.1.5 Consumer education and policyholder

protection being two sides of the same coin, the
Regulator has an onerous responsibility towards
consumer education as it has for policyholder
protection. In fact, Consumer Education is a part and
parcel of Policyholder Protection. Towards this end,
IRDA has, over the years taken several initiatives
through various media print, television and radio.
I.4.1.7 The IRDA itself conducts/participates in and

supports several national level seminars on different
insurance topics/subjects as well as consumer related
issues through which it reaches out to the public.
Currently, IRDA is actively working on a Consumer
Portal that is proposed to be launched shortly.
I.4.1.6 IRDA also encourages and supports consumer

bodies to conduct seminars on insurance, thereby
32
BOX ITEM 3
INITIATIVES IN THE AREA OF POLICYHOLDERS GRIEVANCE REDRESSAL
The IRDA has recently established the Consumer Affairs Department to give a special focus to and
oversee the compliance by insurers of the IRDA Regulations for Protection of Policyholders Interests
and also to empower consumers by educating them regarding details of the procedures and
mechanisms that are available for grievance redressal. Policyholders must be provided with inexpensive
and speedy mechanisms for complaints disposal and the IRDA (Protection of Policyholders Interests)
Regulations, 2002 require insurance companies to have in place, effective and speedy grievance
redress mechanisms. IRDA has also issued Guidelines for Grievance Redressal, which lay down
specific timeframes and turnaround times (TATs) for response, resolution, etc., which will further
strengthen the redressal systems insurers already have in place.
The effectiveness of the mechanisms needs to be monitored by the Regulator. To enable this as well
as to create a central repository of industry-wide insurance grievance data, IRDA is on the verge of
implementing the Integrated Grievance Management System (IGMS). IGMS will create a gateway
for policyholders to register complaints with insurance companies first and if need be to escalate them
to the IRDA Grievance Cell. IGMS is a comprehensive solution which not only has the ability to provide
a centralised and online access to the policyholder but complete access and control to IRDA for
monitoring market conduct issues of which policyholder grievances are the main indicators. IGMS
will have the ability to classify different complaint types based on pre-defined rules. The system will be
able to assign, store and track unique complaint IDs and also enable intimation to various stakeholders
as required, within the workflow. The system will enable defining of Target Turnaround Times (TATs)
and measure the actual TATs on all complaints. The system will set up alerts for pending tasks
nearing the laid down Turnaround Time. Thus, the system will automatically trigger activities at the
appropriate time through rule based workflows.
A complaint registered through IGMS will flow simultaneously to the insurers system as well as the
IRDA repository. Updation of status by the insurers would automatically be mirrored in the IRDA
system. IGMS will be able to generate reports on all criteria like ageing, status, nature of complaint
and any other parameter that is defined. Thus, the IGMS will provide a standard platform to all insurers
to resolve policyholder grievances and to provide IRDA with a tool to monitor the effectiveness of the
grievance redressal system of insurers.
IRDA has recently introduced the IRDA Grievance Call Centre (IGCC) that provides for a toll free
number 155255. IGCC provides an additional channel for policyholders to lodge their grievances and
also seek their status over phone/e-mail. The Call Centre environment will interface with IGMS, once
the IGMS is implemented. The IGCC has enabled policyholders easy access to the grievance redressal
cell of IRDA both through telephone and e-mail, apart from providing details of the redressal systems
of insurance companies whenever policyholders require them. The Call Centre carries out filling of
grievance registration forms on the basis of the call. The IGCC also provides a channel for tracking of
grievances. Further, the IGCC also educates policyholders about the Insurance Ombudsman who
provides a channel for fair disposal of complaints falling within the laid down jurisdiction.
With a view to going beyond facilitation of complaints resolution, IRDA has begun to drill down into
details of complaints to identify instances of violation/non-compliance of various provisions of the
applicable Regulations through enquiries and inspections. Where required, regulatory action is initiated.
Further, the institution of Insurance Ombudsman is also being reviewed for possible changes and
expansion of jurisdiction, to ensure that grievances that are not resolved by insurers and get escalated
to the Regulator and/or Ombudsman are decided conclusively, except where they would fall necessarily
within the ambit of the courts.
33
4.2 MAINTENANCE OF SOLVENCY MARGIN OF

INSURERS
segments of the population in meeting their insurance

needs, thereby enhancing insurance penetration. In
line with this objective, the Authority had 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. Suitable instructions modifying these
requirements were issued by IRDA in 2008-09. 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.
I.4.2.1 Every insurer is required to maintain a Required

Solvency Margin as per Section 64VA of the Insurance
Act, 1938. Every insurer shall maintain an excess of
the value of assets over the amount of liabilities of not
less than an amount prescribed by the IRDA, which is
referred to as a Required Solvency Margin. The IRDA
(Assets, Liabilities and Solvency Margin of Insurers)
Regulations, 2000 describe in detail the method of
computation of the Required Solvency Margin.
I.4.2.2 In the case of life insurers, the Required
Solvency Margin is the higher of an amount of fifty
crore of rupees (one hundred crore of rupees in the
case of reinsurer) or a sum which is based on a formula
given in the Act and the Regulations framed there
under.
Life Insurers
I.4.2.6 At the end of March 2010, all the twenty-three
life insurers complied with the stipulated requirement
of solvency ratio of 1.5. Life Insurance Corporation of
India reported a solvency ratio of 1.54, the same as
at the end of March 2009. Though solvency ratio of
14 out of 22 private life insurers declined during the
year under review, all life insurance companies are
compliant with the mandated solvency requirements
(Statement No.18).
I.4.2.3 In the case of non-life insurers, the Required

Solvency Margin shall be the maximum of the following
amounts:
1. Fifty crore of rupees (one hundred crore of rupees
in the case of reinsurer); or
2. A sum equivalent to twenty per cent of net premium
income; or
Non-life insurers
I.4.2.7 Among the 21 non-life insurers who were in
operations during 2009-10, 19 insurers complied with
the stipulated solvency ratio as on 31st March, 2010.
Two insurers, namely, Royal Sundaram and HDFC
Ergo, did not meet the required solvency margin.
Among the non-life insurers, three compaines
commenced operations during the year 2009-10. Out
of the remaining 16 insurers who were in operations
during 2008-09 also, 8 insurers reported improved
ratio than those maintained in the previous year and
the ratio of the 8 insurers had declined, from their
previous year levels. (Statement No. 50).
3. A sum equivalent to thirty per cent of net incurred

claims, subject to credit for reinsurance in computing
net premiums and net incurred claims being actual
but a percentage, determined by the regulations, not
exceeding fifty per cent.
I.4.2.4 IRDA has set a working Solvency Margin Ratio
(Ratio of Actual Solvency Margin to the Required
Solvency Margin) of 1.5 for all insurers which is
required to be maintained at all times. During
2007-08, IRDA had introduced quarterly reporting of
the solvency status for all the insurers. Accordingly,
all the insurers are now filing their solvency status as
on June 30, September 30, December 31 and
March 31.
I.4.2.8 The specialised insurers, i.e., AIC and ECGC

reported solvency ratio at 2.07 and 14.17 respectively
as against 4.58 and 16.42 as on 31st March, 2009.
I.4.2.5 One of the important factors that influences

insurance penetration is the capital requirement under
the solvency margin. The pure term products provide
simple life cover and it is believed that companies
could design products, which could reach various
Reinsurer
I.4.2.9 The national insurer, General Insurance
Corporation of India, reported a solvency ratio of 3.71
as on 31st March, 2010 (3.67 on 31st March, 2009).
34
reinsurance with the reinsurers. Under the provisions

of the Insurance Act, 1938, the General Insurance
Corporation of India has been designated as the
Indian Reinsurer which entitles it to receive obligatory
cessions of 10 per cent from all the direct non-life
insurers. The limits have been laid down in
consultation with the Reinsurance Advisory
Committee.
4.3 Monitoring of Reinsurance

I.4.3.1 The mandate to the Authority in respect of
reinsurance lies in the provisions of Section 14(1) and
14(2) Sub Section (f) of the IRDA Act, 1999 as well as
Sections 34F, 101A, 101B and 101C of the Insurance
Act, 1938. In addition, the Authority has framed
regulations pertaining to reinsurance by non-life
insurers which lay down the ground rules for placing
TABLE 32
NET RETAINED PREMIUM ON INDIAN BUSINESS AS PER CENT OF GROSS
DIRECT PREMIUM (EXCLUDING GIC)
(in per cent)
Class
Public
Sector
Fire
Marine Cargo
Marine Others
Motor
Engineering
Aviation
Other Miscellaneous
TOTAL
70.35
82.73
12.93
93.35
58.67
11.95
88.16
82.75
2009 10
Private
Sector
30.81
48.38
9.00
86.04
22.24
18.87
72.08
71.39
Total
Public
Sector
2008 09
Private
Sector
Total
56.84
69.69
12.18
89.82
45.25
14.60
79.97
77.49
71.80
79.21
14.87
86.49
60.52
7.04
90.07
80.84
32.64
48.09
5.62
89.27
23.41
16.68
74.44
72.32
57.48
66.98
12.45
87.73
45.51
9.44
82.61
77.13
I.4.3.2 Every insurer needs a comprehensive and

efficient reinsurance programme in order to be able
to operate within the constraints of its financial
strength. This is important to maintain the solvency
of the insurer and to ensure that the clauses are
honoured. The Authority has stipulated that every
insurer shall obtain the approval of its Board for its
reinsurance programme. The regulatory framework
also provides for filing of the reinsurance programme
for the next financial year with the Authority at least
45 days before the commencement of the said year.

The insurers are further required to file the treaty slips
or cover notes relating to the reinsurance
arrangements with the Authority within 30 days of the
commencement of the financial year. These measures
highlight the importance attached to the existence of
adequate and efficient reinsurance arrangements for
an insurance company. It would be recalled that the
solvency position of an insurance company is
assessed on a net of reinsurance basis.
TABLE 33
REINSURANCE PLACED WITHIN INDIA AND OUTSIDE INDIA AS PER CENT OF
GROSS DIRECT PREMIUM IN INDIA
(in per cent)
Class
Fire
Marine - Cargo
Marine - Others
Motor
Aviation
Engineering
Miscellaneous Others
TOTAL
2009 10
Placed
in India
32.43
18.16
43.26
28.78
42.17
43.33
15.26
24.63
Placed
outside India
21.19
15.09
52.63
0.11
53.17
23.06
6.00
7.78
35
2008 09
Placed
in India
27.99
18.49
34.60
28.07
43.73
44.38
13.42
23.44
Placed
outside India
20.47
15.04
57.58
0.27
50.70
18.77
5.07
7.59
I.4.3.3 The Regulations also require that every insurer

should maintain the maximum possible retention
commensurate with its financial strength and volume
of business. The guiding principles in drawing up the
reinsurance programme have been stated as under:
1.
Maximise retention within the country;
2.
Develop adequate capacity;
3.
Secure the best possible protection for the

reinsurance costs incurred; and
4.
Simplify the administration of business.
I.4.3.4 With particular reference to the General

Insurance Corporation, the Regulations require the
Indian reinsurer to organise domestic pools for
reinsurance surpluses in consultation with all insurers.
It would be recalled that the non-life insurers had come
together to form a Pool for Terrorism risks when the
international reinsurance markets withdrew cover after
the September 11 terrorist strikes in New York city in
the year 2001. In 2007, the non-life insurers formed
another Pool for all commercial vehicles third party
insurance.
TABLE 34
REINSURANCE CEDED OUTSIDE INDIA ON INDIAN BUSINESS
(` crore)
Class
Fire
Marine - Cargo
Marine Others
Motor
Aviation
Engineering
Other Miscellaneous
TOTAL
2008 09
Premium ceded
Net profit ceded
691.81
-203.15
168.94
-40.76
462.11
96.77
34.91
22.98
171.27
103.53
284.36
24.66
592.29
149.81
2405.69
153.84
2009 10
Premium ceded
782.90
181.22
427.41
15.49
207.89
364.26
850.30
2829.47
Net profit ceded

201.75
-35.09
268.92
7.74
84.84
130.27
40.10
698.53
percentage so specified shall exceed 30 per cent of
Reinsurance Advisory Committee
the sum insured on such policy; and b) specify the

I.4.3.5 As per Section 101A of the Insurance Act,
proportion in which said percentage shall be allocated
1938, every insurer shall reinsure with the Indian
to the Indian reinsurer.
reinsurer such percentage of the sum insured on each

general insurance policy as may be specified by the
I.4.3.7 The Reinsurance Advisory Committee at its
Authority, which are also known as obligatory
meeting held in February, 2007 recommended to the
cessions or statutory cessions, with the previous
Authority that the obligatory cessions be reduced from
approval of the Central Government, after consultation
existing 20 per cent to 15 per cent for the year
with the Reinsurance Advisory Committee.
2007-08 and 10 per cent for the year 2008-09,

2009-10 and 2010-11. The Authority accepted the
I.4.3.6 For this purpose, the Authority may by
recommendation and issued gazette notification giving
notification, a) specify the percentages of the sum
the revised obligatory cessions in consultation with
insured on each policy to be reinsured with the Indian
the Government of India. In the year 2010-11, IRDA
reinsurer and different percentages may be specified
has introduced limits of cession in sum insured for
for different classes of insurance provided that no
different classes under obligatory cession.

36
for the year 2008- 09 shall be mutually negotiated and

agreed upon between each insurer and the Indian
reinsurer. If the parties failed to reach any agreement
after negotiation, the matter may be reported to the
Authority. This position has since continued in the
subsequent years.
I.4.3.8 Towards the end of 2007-08, the General

Insurance Corporation of India, as the national
reinsurer, represented to the Authority that the
commission and profit commission terms applicable
to statutory cessions were required to be reviewed in
the light of the changed market situation following
removal of tariff rates. At the same time, the insurers
represented that the commission terms should remain
unaltered, presumably based on the apprehension
that any determination of different commission terms
for statutory cessions under section 101A(4) of the
Act at the critical stage may prejudice their position
with regard to their reinsurance negotiations for the
forthcoming year. The Authority after considering both
the views decided that the terms for statutory cessions
Obligatory cessions received by GIC

I.4.3.9 For the year 2010-11, the obligatory cessions
have been retained at 10 per cent as applicable for
2009-10. Similarly, the commissions and profit
commissions for 2010-11 have to be mutually agreed
upon between the respective insurer and the Indian
reinsurer.
4.4 INSURANCE POOLS

Terrorism Pool
TABLE 35
SHARE OF MEMBER COMPANIES IN THE INDIAN TERRORISM POOL
2009-10
Insurer
GIC
National
New India
Oriental
United India
Bajaj Allianz
Cholamandalam
Future Generali
Govt. Insurance Fund, Gujarat
HDFC Ergo
ICICI Lombard
IFFCO-Tokio
Reliance
Royal Sundaram
Tata-AIG
Universal Sompo
Shriram
Bharti AXA
Raheja QBE
Total
2010-11
Per Risk
Capacity
( ` crore)
Share
(in per
cent)
Per Risk
Capacity
( ` crore)
Share
(in per
cent)
147.08
88.89
147.08
87.00
96.45
35.63
12.00
5.00
7.50
3.38
60.00
22.50
13.50
6.00
12.08
0.66
3.00
1.50
0.75
750.00
19.61
11.85
19.61
11.60
12.86
4.75
1.60
0.67
1.00
0.45
8.00
3.00
1.80
0.80
1.61
0.09
0.40
0.20
0.10
100.00
147.08
88.89
147.08
87.00
96.45
35.63
12.00
5.00
7.50
3.38
60.00
22.50
13.50
6.00
12.08
0.66
3.00
1.50
0.75
750.00
19.61
11.85
19.61
11.60
12.86
4.75
1.60
0.67
1.00
0.45
8.00
3.00
1.80
0.80
1.61
0.09
0.40
0.20
0.10
100.00
37
I.4.4.1 During 2009-10, the total premium ceded to

the Terrorism Pool was `306 crore and claims paid
were `214 crore. The Pools premium in the previous
year was `223 crore with claims paid at `50.67 crore.
Out of the `214 crore claims paid during the year,
`212 crore were towards further on-account payments
made for the losses arising from the terrorist attack
on 26th November, 2008 at Mumbai. The loss to the
Pool from this incident is presently estimated at

`500 crore including the on-account payments made
so far. The Pool is protected by an excess of loss
reinsurance programme, and loss is in excess of
`150 crore are recovered from the reinsurers. The
premium rates for terrorism cover were revised w.e.f.,
1st April, 2009. There were no further major losses to
the Terrorism Pool during 2009-10.
TABLE 36
PREMIUM RATES FOR TERRORISM RISK INSURANCE
(w.e.f 1st April, 2010)
Total
1
Sum Insured per

location (MD+LOP)
Upto `750 crore
Over `750 crore and

upto `2,000 crore
Over `2,000 crore
Risk Category
Rate (per Mille)
Industrial Risk
Non-Industrial Risk
Residential Risk
First `750 crore as per (1) above PLUS on
balance Sum Insured as under :
Industrial Risk
Non-Industrial Risk
First `2,000 crore as per (2) above
PLUS on balance Sum Insured as under:
Industrial Risk
Non-Industrial Risk
0.30
0.20
0.10
0.25
0.15
0.20
0.12
TABLE 37
MID-TERM COVER FOR TERRORISM RISK INSURANCE (w.e.f 1st April, 2009)
15
days
Annual Rate
(in per cent)
10
Period not exceeding

1
2
3
4
5
6
7
8
9
month month month month month month month month month
15
30
40
50
60
70
75
80
85
>9
month
Full
Annual Rate
I.4.4.3 To redress grievances of non-availability of

motor third party insurance, especially commercial
vehicles, IRDA in consultation with the Committee
constituted under section 110G of the Insurance Act,
1938 issued Directions under section 34 of Insurance
Act, 1938 vide circular no. 035/Motor-TP/Dec-06 dated
4th December, 2006 constituting the Indian Motor Third
Party Insurance Pool (IMTPIP).
India Motor Third Party Insurance Pool (IMTPIP)

I.4.4.2 With effect from 1st January, 2007, tariffs were
withdrawn from the non-life insurance market.
However, keeping in mind the mandatory nature of
the third party business, the Authority decided to
regulate the premium rates in the said segment
effective 1st January, 2007 vide circular no. 034/IRDA/
Detariff/Dec-06 dated 4th December, 2006, which was
later modified vide circular no. 043/IRDA/Detariff/Jan07 dated 23rd January, 2007.
I.4.4.4 The Pool came into operation from 1st April,

2007 exclusively for commercial vehicles. All insurers
registered to carry on non-life insurance business
38
to the pool administrator. As regards the treatment of

monies remitted to the pool administrator upto
31st March, 2010; the pool administrator shall follow
up with the insurance companies to recover all monies
payable to the pool up to 31st March, 2010. The Fund,
after adjustments, will be distributed back to the
insurers by the pool administrator after due
reconciliation.
including motor business are automatically required

to participate in the pooling arrangement to provide
cover at rates notified by IRDA. Pooling of business,
under the mechanism is achieved through a
multilateral reinsurance arrangement between the
underwriting insurer and all other registered non-life
insurers and reinsurers.
I.4.4.5 The IMTPIP pooled a total premium of `3,160
crore towards 87.68 lakh policies issued during the
period March 2009 - February 2010. The incurred
claims of the pool for the same period was
`3,791 crore, resulting in an operating loss of
`674 crore. As against this, the premium during March
2008 February 2009 was `2,823 crore with incurred
claims of `3,259 crore and net operating loss of
`650 crore.
Class wise Performance of Motor Pool

I.4.4.7 As per the data uploaded by the member
companies to the pool database, during 2009-10,
there was 5-9 per cent increase in the number of
policies underwritten under goods, passenger and
miscellaneous class vehicles over the previous year.
Trailers and Road Transit Risk policies rose by over
25 per cent. However, Internal Risks Only policies
witnessed 43 per cent decline. The overall growth in
number of policies underwritten during 2009-10 over
2008-09 was 7.63 per cent.
I.4.4.6 The pool completed three full years of operation

in 2009-10. The Authority has from time to time been
receiving representations from non-life insurance
companies who are members of the motor third party
commercial vehicles pool that the present system of
monthly transfer of premiums to the pool administrator
should be discontinued. The Authority vide circular
no. IRDA/NL/CIR/MPL/059/03/2010 dated 31st March,
2010 rationalised the Motor Third Party Pool for
commercial vehicles with effect from 1st April, 2010.
The Authority has modified the mechanism for
operation of the pool, whereby the existing system of
monthly transfer of funds by the insurance companies
to the pool administrator has been discontinued with
effect from 1st April, 2010. Since the motor third party
business is expected to run on a no profit no loss
basis, there shall be no ceding commission in respect
of the business ceded to the pool, it will be obligatory
on the part of the insurance companies to segregate
funds on account of the pool business in their accounts
and invest them in a manner as provided in the IRDAs
Investment Regulations. The Appointed Actuary of the
insurance company is required to confirm in his report,
the incorporation of the pool liabilities, including
revisions, in the companys accounts. The fees of 1.25
per cent of the premium to the pool administrator, has
since been revised to 0.75 per cent. All operational
expenses and the automated transaction level data
(data upload) will continue to flow from the companies
I.4.4.8 The number of claims submitted during

2009-10 saw 180 per cent increase from 50,579 to
1,42,138. Similarly, the amount of claims paid during
2009-10 (`759 crore) was four times the amount of
claims paid during 2008-09 (`182 crore). Commercial
Vehicles (Goods) saw a major jump in claims paid
from `109 crore in 2008-09 to `470 crore in 2009-10.
Similarly, Commercial Vehicles (Passenger)
witnessed growth in claims paid from `55 crore in
2008-09 to `216 crore in 2009-10.
Motor Insurance Third Party Claims
Identification of Development Patterns and use of
results for pricing, reserving or other purposes
I.4.4.9 The actuarial analysis of approximately 5 lakh
transactions for identification of claims development
patterns relating to Motor Third Party Insurance for
(i) goods carrying vehicles and (ii) passengers carrying
vehicles has revealed the development pattern for
three stages, viz., (i) loss events, (ii) loss intimation
and (iii) claim settlement. The analysis reflects the
month in which the claims development pattern is
completed. The development for goods carrying
vehicles and passengers carrying vehicles is indicated
at Table 38 and Table 39 respectively.
39
TABLE 38
DEVELOPMENT PATTERN OF GOODS CARRYING VEHICLES
Claim process stage
Date of loss to date of intimation
Date of intimation to date of payment
Date of loss to date of payment
Month in which per cent development is completed

50 %
75 %
90 %
95 %
7
14
31
48
19
36
55
67
31
48
67
78
TABLE 39
DEVELOPMENT PATTERN OF PASSENGERS CARRYING VEHICLES
Claim process stage
Date of loss to date of intimation
Date of intimation to date of payment
Date of loss to date of payment
Month in which per cent development is completed

50 %
75 %
90 %
95 %
7
16
34
52
18
36
56
69
31
50
70
80
I.4.4.10 The development pattern clearly reflects that

the claims for the third party motor insurance would
develop as indicated in the analysis.
Total Investment of the Insurance sector

I.4.5.2 The accumulated investments of the insurance
sector increased by 30.38 per cent (18.61 per cent in
2008-09) to `12,71,527 crore as on 31st March, 2010
as against `9,75,258 crore as on 31st March, 2009.
The life insurers continued to contribute a significant
component of the investments made by the insurance
industry at 95 per cent of total investments (93.96 per
cent in 2008-09). In the same vein, the contribution of
public sector companies stood at 82 per cent of the
total investments held by the sector, although with the
stabilisation of the operations of the private sector
insurers, their portfolio of investments has been
growing at a fast pace in recent years.
4.5 MONITORING OF INVESTMENTS BY THE

INSURERS
I.4.5.1 The IRDA has in place a regulatory framework

prescribing the pattern of investment to be maintained
by all life and non-life insurance companies, including
the reinsurer. Within the life segment, stipulations are
also in place for the investment patterns to be complied
with for the life fund, pension and general annuity and
group fund, as also for the ULIP funds. All insurers
are required to be compliant with the prescribed
pattern of investment as laid down by the Authority in
the Investment Regulations notified by it. The details
of investments held by the life and non-life insurance
sector are given below:
TABLE 40
INVESTMENTS OF THE INSURANCE SECTOR (As on 31st March)
( ` crore)
Insurer
Public
Private
Total
Life
2009
799593
(17.86)
116772
(33.35)
916365
(19.63)
Non-Life
2010
985028
(23.19)
220127
(88.51)
1205155
(31.51)
2009
47782
(1.20)
11111
(22.59)
58893
(4.64)
2010
51687
(8.17)
14685
(32.16)
66372
(12.70)
Note:Figures in brackets represent growth in percentage over the previous year
40
Total
2009
847375
(16.78)
127883
(32.34)
975258
(18.61)
2010
1036715
(22.34)
234811
(83.61)
1271527
(30.38)
investments (26.39 per cent in 2008-09). While ULIP

funds contributed `1,58,856 crore (`39,686 crore in
2008-09) of the incremental investments, the
contribution by the traditional products was
`1,29,934 crore (`1,10,710 crore in 2008-09).
Investments of Life Insurers

I.4.5.3 The various sources of funds available for
investment by life insurers can be broadly classified
as funds from (i) traditional products and (ii) ULIP
products. The total funds invested by life insurers as
on 31 st March, 2010 was `12,05,155 crore
(`9,16,365 crore in 2008-09), of these `3,31,619 crore
(27.52 per cent of total funds) represents ULIP funds
and the remaining `8,73,536 crore (72.48 per cent) is
the contribution by traditional products. The share of
ULIP funds in total investments has continued to grow
in recent years reflecting the public preference for
these products. During the year under review, ULIP
funds contributed 55 per cent of the incremental
I.4.5.4 The pattern of investments of the life insurers

remained unchanged as on 31st March, 2010 when
compared to 31st March, 2009 and was in line with
the prescriptions laid down by the IRDA as to the
pattern of investment, under the Investment
Regulations. Central Government Securities and
Approved Investments are two major avenues for
parking of funds by the life insurers.
TABLE 41
INVESTMENTS OF LIFE INSURERS : INSTRUMENT-WISE
(As on 31st March)
( ` crore)
Investments from
2009
2010
Amount
Percentage
Amount
Percentage
1 Central Govt. Securities
316010
42.50
361520
41.39
2 State Govt. and other approved securities
107190
14.41
136998
15.68
66673
8.97
72439
8.29
202469
27.23
245987
28.16
5 Other Investments
51260
6.89
56592
6.48
A. Total (1+2+3+4+5)
743602
100.00
873536
100.00
151490
87.69
293114
88.39
21273
12.31
38505
11.61
B. Total (6+7)
172763
100.00
331619
100.00
Grand Total (A+B)
916365
Traditional Products
3 Housing & Infrastructure

4 Approved Investments
ULIP Funds
6 Approved Investments
7 Other Investments
41
1205155
I.4.5.5 Based on a further segregation of funds under

the traditional products and ULIP, Life Fund
contributed `7,32,613 crore (60.79 per cent), Pension
and General Annuity & Group Fund `1,40,923 crore
(11.69 per cent) and ULIP Fund `3,31,619 crore
(27.52 per cent) of the total investments of the life

insurance companies. During 2009-10, the share of
ULIP funds in total investment has gone up
considerably from 18.85 per cent in 2008-09 to 27.52
per cent.
TABLE 42
INVESTMENTS OF LIFE INSURERS : FUND-WISE (As on 31st March)
( ` crore)
Insurer
LIC
Private
Total
Life Fund
2009
606487
23163
629650
(68.71)
2010
699475
33137
732613
(60.79)
Pension and
General Annuity &
Group Fund
2009
2010
107135
130885
6817
10038
113952
140923
(12.44)
(11.69)
Unit Linked
Fund
2009
85972
86791
172763
(18.85)
2010
154668
176951
331619
(27.52)
Total
All Funds
2009
799593
116772
916365
(100.00)
2010
985028
220127
1205155
(100.00)
Note: Figures in brackets are percentage of respective funds to the total funds
TABLE 43
GROWTH OF INVESTMENTS: FUND-WISE (As on 31st March)
( ` crore)
Fund
Life
Pension & General Annuity & Group Fund
Traditional (A)
Unit Linked Funds (B)
Total (A+B)
Total
629650
113952
743602
172763
916365
2009
Increase %
16.25
24.86
17.49
29.82
19.63
2010
Total
732613
140923
873536
331619
1205155
Increase %
16.35
23.67
17.47
91.95
31.51
I.4.5.7 The pattern of investments made by the nonlife insurers remained the same as was in the previous
year, in tune with the prescription laid down under the
Investment Regulations. As on 31st March, 2010, the
investments in Central Government Securities and
Approved Investments stood at `16,038 crore (24.16
per cent) and `24,256 crore (36.55 per cent)
respectively.
Investments of Non-Life Insurers
I.4.5.6 Non-Life insurers contributed 5 per cent of total

investments made by the insurance industry. The total
amount of investments made by the sector, as on
31st March, 2010, was `66,372 crore (`58,893 crore
as on 31st March, 2009). During 2009-10, the net
increase in investments by the industry stood at `7,479
crore (12.70 per cent growth over previous year).
TABLE 44
INVESTMENTS OF NON-LIFE INSURERS : INSTRUMENT-WISE (As on 31st March)
( ` crore)
Pattern of Investments
2009
Total % to Fund
14591
24.78
6077
10.32
4244
7.21
8980
15.25
21031
35.71
3971
6.74
58893
100.00
Central Govt. Securities

State Govt. and other approved securities
Housing and Loans to State Govt. for Housing & FFE
Infrastructure Investments
Approved Investments
Other Investments
Total
Note: Investments of CHNHB Association, ECGC and AIC of India have not been included.
42
2010
Total % to Fund
16038
24.16
6971
10.50
4790
7.22
10373
15.63
24256
36.55
3944
5.94
66372
100.00
I.4.5.8 During 2009-10, all life and non-life insurance

companies were compliant with the stipulations on
pattern of investment as laid down in the Investment
Regulations. However, General Insurance Corporation
of India (GIC) had failed to comply with the provisions
on minimum mandatory investment required to be
made in Central Government securities. The
Corporation was levied a penalty of `5 lakh during
2009-10. All the insurers, both life and non-life had
carried out their Risk Management System audit and
the concurrent audit through independent external
audit firms for their investment functions. This
requirement has been mandated for all insurers
effective financial year 2009-10.
I.4.6.2 IRDA has been consistently attempting to

address and resolve the key issues faced by the health
insurance sector. One of the initiatives has been the
creation of checklist for facilitating processing of health
insurance products filed by the non-life insurance
companies. The checklist is created by analysing the
observations of the Health section over the last two
years, across various categories of health products.
The checklist is intended for self administration by
companies for products filed by them, so that
inconsistencies are eliminated at their end before the
documents are submitted to IRDA.
I.4.6.3 Based on the Checklist and as a step towards
creating an online library of products, the health
section has designed a product database that would
capture all important features of health products to
the granularity of sub-limits, age-wise premium rates,
exclusions, etc. In addition, once the software is put
in place and the data keyed in for health products, the
product database will enable IRDA to perform
comparative analysis across all health products. All
these initiatives are being attempted to introduce in
due course, online filing of health insurance products
by insurance companies.
4.6 HEALTH INSURANCE

I.4.6.1 Health insurance has been predominantly
within the non-life sector as a part of the miscellaneous
accident portfolio. However, in the last couple of years,
health insurance has emerged as one of the most
promising growth segment with increase in not only
number and variety of products but also in the number
of insurance companies venturing into the health
insurance market. The Indian industry already has
three standalone health insurers who have been
granted certificate of registration by IRDA, with the
latest entrant being Max Bupa Health Insurance Co.
Ltd. IRDA is presently considering one more
application for a standalone health insurance
company. The health insurance industry, which had
underwritten premium of over `8,000 crore in
2009-10 (`6,625 crore in 2008-09) is expected to
expand manifold because this sector is increasingly
becoming an important line of business not only for
standalone health insurers but also the existing
players in the non-life industry. The health segment
contributed 21.12 per cent of the total premium in
2009-10 (20.06 per cent in 2008-09).
Recent Guidelines
I.4.6.4 While processing health products under the
existing F&U formats, health section has recognised
the need for more health specific information from
insurance companies at the time of filing of products.
Taking cognisance of this and with a view to enhancing
the health product processing, the health section has
re-designed File & Use formats for filing of health
insurance products. The exposure draft has been sent
to the General Insurance Council for comments.
Health section is currently examining the feedback
received from the Council.
TABLE 45
HEALTH INSURANCE PREMIUM 2005-2010
( ` crore)
Non-Life Private Insurers
Non-Life Public Insurers
Standalone Health Insurers
Total
2009-10
2349.84
4883.26
1072.08
8305.18
2008-09
2266.33
3824.04
535.09
6625.46
43
2007-08
1832.51
3136.51
155.94
5124.95
2006-07
1223.99
1973.57
11.16
3208.73
2005-06
539.59
1682.51
2222.09
I.4.6.5 The recent stand-off between non-life PSUs

and their network hospitals owing to continuously
rising claims cost for insured availing cashless
treatment resulted in review of cashless facility in some
of the network hospitals. In order to ensure that no
inconvenience is caused to existing policyholders,
IRDA has instructed all insurance companies to
ensure that, at times when there is a change in
preferred provider network of hospitals, policyholders
are always informed about the nearest possible
alternative hospitals where cashless facility is available
and that the interests of the policyholders are not
adversely affected at any point of time.
portability and establishment of a Health Insurance

Council.
Initiatives through Trade Bodies
I.4.6.8 IRDA continues to support the activities of
Working Groups formed by FICCI and CII on specific
areas of health insurance. Both the industry bodies
organise annual health insurance events and release
their reports comprising of the recommendations of
the Groups. Currently these multi-stakeholder groups
are mainly working on standard framework for group
product pricing; framework for enhancing quality in
healthcare through health insurance through
synergistic efforts of the regulatory bodies, National
Accreditation Board for Hospitals & Healthcare
Providers (NABH), insurance companies and
providers; standardisation of billing formats;
standardisation of TPA/Insurer and TPA/Hospital
Contracts.
I.4.6.6 IRDA has been receiving health insurance data

from non-life insurance companies and TPAs. Life
insurance companies have also been directed now
to submit health insurance data for health insurance
policies underwritten by them on half yearly basis w.e.f
1 st April, 2010. The data submitted to IRDA by
insurance companies and TPAs will be used to build
an industry database for Health Insurance. In fact,
insurance companies are already utilising
comprehensive data analysis made available on the
website by the Insurance Information Bureau (IIB).
I.4.6.9 As more people buy health insurance to meet

the requirement of funding healthcare for themselves
and their families, the necessity of close monitoring
of the pricing mechanism of health products by the
Authority becomes important. While, insisting on the
sustainability and viability of the products with respect
to the rates and discounts filed under File & Use
procedures, the Authority also requires the insurance
companies to submit their past experience on similar
products and its analysis to support the price
mechanism filed by them.
I.4.6.7 As a measure to ensure policyholders are not

unfairly denied renewal, the Authority is insisting upon
having no exit age for all new health insurance
products filed. Also on the anvil are initiatives, like
provision for continuation of coverage to members and
family in respect of group health insurance products,
BOX ITEM 4
INNOVATIONS IN HEALTH INSURANCE
We as Indians spend about 80 per cent of all health expenditure in the country from our personal
resources. Hence the importance of adequate planning for health contingencies cannot be
overemphasised especially, given the steep escalation in healthcare costs, expensive health technology
and pharmaceuticals. With increasing demand, the health insurance industry has come up with
innovative products to enable policyholder to plan comprehensive protection against health eventualities
by combining hospitalisation indemnity products with supplementary covers or additional policies to
meet specific needs of the policyholder.
There are products available that provide Daily Hospital Cash benefit in the form of fixed daily allowance
which could be used to cover the incidental costs associated with hospitalisation (like travel and stay
costs of an attendant). These benefits are available either on standalone basis or as optional component
of a packaged health insurance policy.
44
Personal Accident policies, which can again be availed on standalone basis or as part of packaged
product with health insurance, are also a useful supplement to the hospitalisation indemnity products.
Most insurance companies offer critical illness benefit products that provide a lump sum amount on
the diagnosis of specified dreaded diseases like cancer, heart attack, coma or major organ failure.
While these diseases may be quite infrequent and a one-off occurrence, their impact can be both
emotionally and financially devastating on the household where such illness occurs. Critical Illness
products that are available as standalone or as add-on/riders to life and non-life policies or as a
component of a packaged health insurance product could supplement the indemnity product and
make the health insurance cover comprehensive.
Most of the above mentioned products are now being offered by insurance companies for a period
longer than a year. Many of these products have features requiring the insured to undergo regular
health check ups and some of them even provide round the clock suggestive medical advice over
phone and through e-mails. Some insurance companies have also created dedicated platforms which
provide necessary health information to their policyholders through specifically designed web portals.
In addition to the above, there are many products based on disease management platform. These
products are primarily targeted at persons who may be already suffering from chronic diseases like
Diabetes. Such products include cover for medicines and laboratory tests on OPD basis, in addition to
other covers under the product. This category of products may develop further in the days to come as
a useful supplement to the hospitalisation indemnity coverage for a person who is affected with such
a chronic ailment.
There are also riders now available that, for a fixed upfront premium, allow free dental or OPD
consultations from the provider network of the insurance company and thus cover dental treatment or
OPD treatment in a limited way. Although no medicines or investigations are covered in this rider, it is
one step towards coverage of OPD costs.
Another option now available is the top-up or high-deductible cover for individuals (and families) who
are already covered by their existing insurance companies or employers with a sum insured limit
(deductible). Such individuals can buy the top-up covers that provide them coverage beyond the
deductible chosen.
All the above products, with the exception of Personal Accident products, only provide coverage
within India. When travelling out of India, yet another tier available for protection against health
contingencies is Overseas Medical Insurance policies, which are sometimes packaged as Overseas
Travel plans by including other components like loss of passport, loss of baggage, etc. In days to
come, industry may witness products offering medical coverage targeted to international travellers
with coverage extending beyond travel and not limited /restricted to medical emergencies and accidents.
In fact the insurance companies are deliberating on products targeted to international travellers sans
travel components.
Though most of the health policies offered now are annually renewable, insurance companies are
innovating ways to establish long term arrangements with the policyholder by offering long term policies
or by incentivising timely renewals, free health check-ups, loyalty vouchers for OPD covers, etc.
45
In the days to come, the market may also see innovative health products covering alternative medical
treatments like AYUSH, since the government has been emphasising the need for the insurance
sector to extend the coverage to indigenous systems of medicine.
Also foreseeable in near future is incorporation of savings element in the health indemnity covers for
younger policyholders who can avail tax advantages now and can build up health protection for old
age.
The innovative spirit of the health insurance industry has blurred the lines between life and non-life
covers. Recently, the Authority has received proposals to consider offering pure term life insurance
products along with health insurance products under the umbrella of a single product. The Authority
has allowed the same as a product class within a broader policy framework of ensuring an informed
choice and effective policy service to the policyholders. It is envisaged that the combi-products could
enhance the penetration of personal lines of insurance business with a wider product choice to
policyholders. While IRDA adopts a business facilitative approach, it is expected that all insurance
companies would put in place prudent market conduct practices and operational procedures for
protecting the interests of policyholders.
A few insurance companies are also designing niche products with the concept of covering nonadmissible expenses, which generally form part of standard exclusion in indemnity hospitalisation
policies. There are no limits to insurance companies experimenting with innovative product designs.
However, below poverty line (BPL) families and low income, small town population, are yet to be
targeted/tapped significantly by the insurance industry to provide coverage to those who are in dire
need of health insurance. In fact, these segments could actually be used to increase insurance
penetration in the country.
As a measure to reinstate the Authoritys agenda of improving insurance coverage to weaker sections
of the society, IRDA has conceptualised a composite standard product to provide a comprehensive
package of insurance covers to persons belonging to economically weaker sections in rural and urban
areas. The standard product could become the primary instrument for fulfilment of the rural and social
obligations of insurance companies under the Insurance Act, 1938. It is envisaged that the product
will have defined options and levels to provide choice and flexibility to customers to cater to individual
needs.
I.4.6.11 The health insurance segment showed strong
Third Party Administrators (TPA)
growth during the year under review and the TPAs as
I.4.6.10 During 2009-10, no new licence was granted

by the Authority to Third Party Administrators.
However, a couple of new applications are being
processed by the Authority. The following TPA
licences were renewed by the Authority during
2009-10.
participants in the health insurance delivery chain,

reflected similar performance. The TPAs further
expanded the network of hospitals eligible for
treatment by the policyholders during the year.
TABLE 46
TPA LICENCES RENEWED DURING 2009-10
1
2
3
I.4.6.12 The Table 47 provides details of infrastructure
Name of TPA
Grand Healthcare
Dedicated Healthcare Services
Vipul Medcorp
added by the TPAs during 2009-10.
46
TABLE 47
TPA INFRASTRUCTURE (2009-10)
S.No.
Name of the TPA
Park Mediclaim
210
nil
20
Vipul Med Corp
343
81
Alankit Health Care
375
44
I Care Health Management & Services
2040
51
Dedicated Healthcare Services
446
67
Medicare Services
406
nil
nil
MD India Healthcare Services
585
17
781
Heritage Health
226
21
Genins India
362
25
10
Rothshield Healthcare Services
309
nil
11
E Meditek Services
867
42
176
12
Parekh Health Management
311
38
nil
13
Safeway Services
540
nil
20
14
Med Save Health Care
427
286
15
Good Healthplan
267
35
16
Health India Services
786
nil
13
17
Medi Assist India
167
nil
138
18
Anmol Medicare
102
nil
14
19
Raksha
630
20
Family Health Plan
391
87
21
TTK Healthcare
731
nil
188
22
Grand Healthcare Services
nil
nil
10
23
Paramount Health Services
395
66
24
Anyuta Medinet Healthcare
nil
nil
nil
25
East West Assist
58
12
26
Focus Healthcare
nil
-5
nil
27
Sri Gokulam Health Services
nil
nil
nil
10974
128
2146
TOTAL
No. of
Hospitals added
to the
Network
47
No. of New Manpower added

Branches
Including
Opened
Professionals
I.4.6.13 The Authority actively continued to engage

with various industry bodies and stakeholders, with a
view to further streamlining the health insurance
services in the country. Particularly with reference to
the functions of TPAs, certain formats and documents
for communication and processing are proposed for
standardisation to bring in uniformity and to smoothen
the processes. A number of measures aimed at
improving the customer service orientation of the
industry as well as to improve transparency in the

system were initiated during 2009-10.
I.4.6.14 The Authority maintains a separate system
for handling grievances with respect to TPAs from
policyholders, providers and other stakeholders.
During 2009-10, the Authority received 312
complaints, of which 305 were disposed and 7
complaints were outstanding as on 31st March, 2010.
TABLE 48
THIRD PARTY ADMINISTRATORS - CLAIMS DATA
Year
Claims*
Received
2008-09
2446713
2009-10
3365940
Claim Settled
Within one
month
1847212
(75.50)
2348147
(69.76)
Within 1-3
months
360173
(14.72)
597408
(17.75)
Within 3-6
months
61022
(2.50)
121485
(3.61)
Claims
Outstanding
More than
6 months
12934
(0.53)
29362
(0.87)
185120
(7.57)
299381
(8.89)
Note: Figures in bracket indicate ratio (in per cent) of claims settled to the total claims received.
*Excluding as on 31st March.
Obligations of life insurers:
4.7 BUSINESS IN THE RURAL AND SOCIAL

SECTOR
Rural Sector Obligations
I.4.7.1 The Regulations framed by the Authority on

the obligations of the insurers towards rural and social
sectors stipulate obligations to be fulfilled by 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 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.
I.4.7.2 All the twenty two life insurance companies in

the private sector fulfilled their rural sector obligations
during 2009-10. The number of policies underwritten
by them in the rural sector as a per cent of the total
policies underwritten in the year 2009-10 was as per
the obligations applicable to them.
I.4.7.3 LIC was compliant with its obligations in the
rural sector, and underwrote a higher per cent of
policies in rural sector, than the prescribed 25 per cent
for 2009-10.
Social Sector Obligations
I.4.7.4 Out of the twenty two life insurance companies
in the private sector, except HDFC Standard, all the
other companies fulfilled their social sector obligations
during 2009-10. The number of lives covered by them
respectively in the social sector was above the
stipulated obligations.
I.4.7.5 HDFC Standard which was in its 10th year of
operations in 2009-10, covered 50,268 lives in the
social sector as against the obligation of 55,000 lives
48
and was non-compliant with its social sector

obligations for the financial year 2009-10. The
Authority is initiating penal action against the insurer
for the non-compliance under Section 105B of the
Insurance Act, 1938.
I.4.7.12 New India covered 95 lakh lives in the social

sector as against an obligation of 168 lakh lives in the
financial year 2009-10 and was non-compliant with
its social sector obligations. The Authority is initiating
penal action against the insurer for the noncompliance under Section 105B of the Insurance Act,
1938.
I.4.7.6 LIC was compliant with its social sector

obligations covering a higher number of lives than the
prescribed 20 lakh lives as obligations for 2009-10.
4.8 FINANCIAL REPORTING AND ACTUARIAL

STANDARDS
Obligations of non-life insurers:

Financial Reporting
I.4.8.1 The Authority took a number of initiatives during
2009-10 to improve the level of transparency and
disclosures by the insurance companies. Additional
measures were also taken by the Authority to improve
disclosures in reporting in the financial statements.
These measures are indicated below:
I.4.7.7 All the seventeen private insurance companies

were compliant with their rural sector obligations in
2009-10. The gross direct premium underwritten by
them in the said sector, as a percentage of total
premiums underwritten in 2009-10, was above the
prescribed stipulations.
I.4.8.2 Effective from the financial year 2008-09

onwards, all insurers have been advised to file details
of penal actions taken against them by various
Government authorities. The said information is
required to be duly certified by the Statutory Auditors
of the insurer.
I.4.7.8 Except New India, all the public sector insurers

complied with the rural sector obligations for 200910. With respect to the public sector insurers, their
obligation was seven per cent of the quantum of
insurance business done by them in the accounting
year 2009-10.
I.4.8.3 Insurers have also been advised to file the

Return on an annual basis giving details of Chartered
Accountant firms engaged in various capacities like
Statutory Auditors, Internal Auditors, Concurrent
Auditors, Tax Auditors and other Auditors.
I.4.7.9 New India procured 6.29 per cent of its gross

direct premium in the rural sector as against the
obligation of 7 per cent and was non compliant with
its rural sector obligations for the financial year 200910. The Authority is initiating penal action against the
insurer for the non-compliance under section 105B of
the Insurance Act, 1938.
I.4.8.4 The Guidelines on Corporate Governance for

the Insurance Sector have been made effective from
the financial year 2010-11. The Guidelines provide
for constitution of Board and various sub-committees
and also have a provision for whistle blowing policy
to be in place at the insurers office. The format of
filing Compliance Report is under process and shall
be notified in due course. With these stipulations, the
insurance companies have been placed at par with
the listed entities on compliance with the corporate
governance requirements.

I.4.7.10 All the seventeen private insurance
companies were compliant with the social sector
obligations during the year 2009-10. The number of
lives covered by them in the social sector was also
higher than the regulatory stipulations.
I.4.7.11 Among the four public sector insurers, except
New India, the other three companies complied with
the social sector obligations for 2009-10. With respect
to the public sector insurers, their obligations for the
financial year 2009-10 was 10 per cent above the
stipulated number of lives to be underwritten in the
social sector in 2008-09 by the respective insurer or
5.50 lakh lives, whichever is higher.
I.4.8.5 The Authority has been concerned about the

ever expanding outstanding balances, viz., amount
due from other entities carrying on insurance business
and balances due to other insurance companies
which remain non-reconciled for a long period of time
and such assets could possibly also have been taken
49
into account while computing solvency margin by

respective insurers despite clear instructions issued
by the IRDA to the contrary. With a view to ensuring
that insurers initiated steps to reconcile these balances
on a regular basis, the Authority vide circular dated
26th May, 2009 advised all non-life insurers to follow
the methodology as stipulated in the said circular with
respect to these balances.
I.4.8.8 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 statements. While analysing
the availability of solvency in the insurance companies,
one of the methods followed to ensure consistency
and acceptability of the liability estimates prepared
by actuaries, is the peer review system.
Appointed Actuary System

Review Committee
I.4.8.6 One of the main areas which engages 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 beyond a level. In this context, they
ensure that the solvency of the company is maintained
at all points of time.
I.4.8.9 The Authority has in place the Review

Committee which has been mandated with the task
of reviewing the Statutory Report furnished with IRDA
in respect of Actuarial Report and Abstract as required
under Section 13 of the Insurance Act, 1938. The
new Actuarial Review Committee constituted in the
year 2008 continued its work in year 2009-10 as well.
I.4.8.7 The Authority introduced the system of

Appointed Actuary (AA) in the year 2000. During 200304, the Authority notified the Qualification of Actuary
Regulations, defining an Actuary for the purpose of
the Insurance Act, 1938. The powers and duties of
an Appointed Actuary are laid down by the Authority
in the said Regulations.
Actuarial Standards
I.4.8.10 The Institute of Actuaries of India (IAI) issued
the first Guidance Note (GN-I) on Appointed Actuaries
and Life Insurance. IAI also issued the GN-21 for the
appointed actuaries of general insurers.
BOX ITEM 5
PUBLIC DISCLOSURES THE REGULATORY PERSPECTIVE

Disclosures: Disclosure to the various stakeholders in the market is vital to the supervisory process in
any jurisdiction. In an efficient marketplace disclosure is expected to achieve market discipline amongst
the participants. Disclosures take on an added dimension in case of the insurance sector, since the
insurer holds the monies of the insured/policyholders in trust. In effect, disclosures pertaining to all
aspects of operations gain relevance viewed from the perspective of whichever stakeholder.
Objectives of Disclosures: Broadly, the various objectives proposed to be achieved through disclosures,
from the viewpoint of the stakeholders include (i) providing insurance to the public at fair and nondiscriminatory terms; (ii) providing efficient service to policyholders and claimants; (iii) transparency of
operations resulting in building up market confidence in the insurance industry; (iv) disclosures are the
cornerstones for achieving corporate governance and risk management; (v) ensuring proper and efficient
management of insurance funds; and (vi) facilitate industry competition at an effective and healthy level.
Availability of information is also critical to ensure that the needs of both analysts and researchers are
met.
Insurance Core Principles: The International Association of Insurance Supervisors (IAIS), the association
of insurance supervisors across jurisdictions, has also laid emphasis on supervisory bodies ensuring
that the disclosures by incumbent regulated entities are relevant, timely, accessible, comprehensive
and meaningful, reliable, comparable and consistent over time.
ICP 26 Information, disclosure & transparency towards the market, one of the 28 core principles of
standards and codes in place, provides The supervisory authority requires insurers to disclose relevant
information on a timely basis in order to give stakeholders a clear view of their business activities and
financial position and to facilitate the understanding of the risks to which they are exposed.
50
The emphasis is not only on disclosure but also transparency, which envisages that the recipient of
information is able to use it and has a fair degree of understanding of the information provided. Public
disclosures need to meet the following ends:
a)
b)
c)
d)
e)
f)
g)
Relevant to decisions taken by market participants;

Timely so as to be available and up-to-date at the time those decisions are made;
Accessible without undue expense or delay by the market participants;
Comprehensive and meaningful so as to enable market participants to form a well rounded view
of the insurer;
Reliable as a basis upon which to make decisions;
Comparable between different insurers and other companies; and
Consistent over time so as to enable relevant trends to be discerned.
To achieve these ends, disclosures made must necessarily cover, at the minimum, the financial position;
financial performance for a specified period; risk exposures and how they are managed; the basis,
methods and assumptions upon which information is prepared including the accounting policies; and
basic business, management and corporate governance information.
Means of supervision: Transparency in operations, availability of information in the hands of the decisionmakers and disclosures to the Authority, are all various aspects of ensuring effective supervision within
the insurance companies, and for the sector as a whole either through self regulation or through the
mechanics of supervisory oversight. Broadly, this oversight may be achieved in different measures
through any one or all of the following means:
1.
Internal mechanisms in the insurance companies including supervision and active review by the
Board; through sufficiently detailed reporting to the Board and active review by the Board; internal
and external audit; properly structured delegation of authority; and well defined and adequate
lines of reporting back to the Board.
2.
Industry self regulation measures, especially in matters of market conduct.
3.
Supervisory oversight through reports on market conduct; and financial strength including
investment returns, accounts returns and other statutory returns.
4.
Supervisory oversight through on-site inspections.
Towards achieving its goal of effective supervision, the Authority has recently undertaken the Business
Analytics Project, which is aimed at meeting the data needs and information for analysing insurance
companies and for regulatory decision making. The Solution Development Architecture has already
been finalised, and the next step of Implementation of ERP System Stage- I - Short-listing of IT firms
for the Technical Bidding (Phase-II) has been initiated by the Authority. The BAP is a comprehensive
exercise at covering all aspects of the information needs of the regulator, be it financial and actuarial
aspects, investments, the claims and grievance redressal mechanisms, global insurance industry wide
information required for policy decision making. The operationalisation of the BAP would build up a huge
gap in ensuring transparency of operations of the insurance entities and facilitate in supervision by
exception.
Risk management and disclosures: Risk the chance of something happening that will have an impact
on objectives. It is measured in terms of likelihood and consequence. It is the circumstance, action,
situation or event with the ability or potential to impact the key dependencies that support the core
processes of the organisation. Broadly, risks are segregated into financial and non-financial risks. The
very crux of enterprise wide risk management rests on availability of information through adequate
disclosures and transparency. It is also a fact that in putting in place systems to meet the stipulations on
disclosures, entities also move a step closer to the analysis of the same information in-house and
simultaneously peer pressures and comparisons ensure that the benefits of market pressures and
competitive environment exert influence to improve operational performance on various counts. It is a
fact that better managed enterprises take the initiative of providing disclosures on a voluntary basis and
51
actually make disclosures which go at least a step further from those requisitioned in the regulatory
framework.
IRDAs recent initiatives at enhancing public disclosures: With a view to improving transparency in
operations, the Authority has been working towards enhancing disclosures to be made by insurance
companies on periodic basis. Another step in this direction has been the issuance of guidelines in January,
2010. The stipulations on disclosures to be made by insurance companies have been strengthened by
the Authority to fill the gap in availability of information in the public domain. These disclosures are
required to be made through (i) Publication in Newspapers and (ii) Hosting on the respective company
websites, effective from the period ended 31st March, 2010. This initiative has placed the insurance
companies, which are presently not publicly listed entities, at par with the listed entities in the corporate
world in terms of public disclosures. Listed corporate entities are governed by the terms of the Listing
Agreement, which amongst other things provides for public disclosure of performance on a quarterly
basis.
These initiatives have followed deliberations at length both within the Authority and with the various
stakeholders. Divergent views have at times been expressed while some have taken the stance that
the public at large was not yet ready to fully appreciate the disclosures proposed to be made, others had
expressed concerns over possibility of the information provided being exploited to meet devious ends.
There were others who felt that the competitors may get access to confidential information, while some
went that extra mile to voluntarily initiate disclosures.
How much disclosure and the cost of regulatory burden: How much disclosure is sufficient? is a
question which would always be a dilemma to be addressed by the regulator. While on the one hand the
insurance companies would prefer to restrict to quantum of public and regulatory disclosure, frequently
on the plea of the attached costs and the regulatory burden, the regulator would want to ensure adequacy
of disclosures and transparency. Insurance companies frequently also cite reasons of confidentiality
due to the adverse impact of the information being accessed by their competitors. There is, however, a
fine balance which needs to be maintained to ensure that while transparency of operations is achieved,
the cost of such disclosures do not outweigh the benefits reaped. There is also the concern about the
disclosures resulting in an overflow of information, whereby critical information would be lost in the
overwhelming degree of detail. The contents must meet the objectives for which the disclosures are
being made. In a number of jurisdictions, it has been observed that the supervisory bodies work at
(i) assessing the costs attached to the increased stipulations being prescribed; and (ii) the objectives
proposed to be achieved through the additional stipulations being prescribed by the regulatory authorities.
The way forward: There is frequently a thin line between meaningful and timely disclosure and a plethora
of information being provided which may easily result in critical information being lost sight of. In the
Indian context, the disclosure requirements are slowly moving towards international benchmarks. It is
envisaged that with the levels of disclosures being raised, the stakeholders would be in the position to
use the information provided to meet their respective needs be it the regulator, the insurance companies
and the intermediaries, the policyholders, the policy makers or the analysts. As the industry reaches a
higher level of maturity, the information needs are also likely to evolve and would have to be addressed
on a continuing basis. Already, the next level of challenges include meeting the information needs to
handle the concerns relating to supervision of financial conglomerates. The first set of insurance companies
which were granted registration in the year 2000 would be completing ten years of operations in the
current financial year. In such a scenario, the capital markets in India could be a witness to Initial Public
Offerings (IPOs) in the not too distant a future. The challenge here is to ensure adequacy of disclosures
to facilitate investment decision making by the investor community. As the global economies move
towards International Financial Reporting Standards (IFRS) to achieve one global language of presenting
the financial statements, the insurance sector is faced with the challenges of convergence towards the
said standards, particularly in a scenario where the Accounting Standard for Insurance Contracts still
has to be finalised, and to meet the disclosure requirements under the new set of accounting rules.
Overall, these are interesting times where the expectations for information of the various stakeholders
are increasing. The issue which needs to be addressed is not how much disclosure but how to make
the disclosures made relevant, timely, accessible, comprehensive and meaningful, reliable, comparable
and consistent over time.
52
I.4.9.5 The guidelines provide that no contract should

be entered into with a customer whose identity
matches with any person with known criminal
background; with banned entities; and/or those
reported to have links with terrorists or terrorist
organisations. In case it is detected or suspected that
the existing insurance contracts pertain to an individual
and/or entities subject to UN sanction measures under
UNSC Resolutions called as designated individuals/
entities, insurance companies are mandated to report
details thereof to the Ministry of Home Affairs (MHA)
and IRDA and file the Suspicious Transaction Report
with FIU-IND. On causing investigations, if MHA
identifies that the details of the report from insurance
companies are in fact those relating to designated
individuals/entities, an order to freeze the insurance
contracts pertaining to those individuals/entities would
be issued. The mechanism to unfreeze the contracts
inadvertently frozen has also been detailed under the
guidelines.
4.9 ANTI-MONEY LAUNDERING /COUNTERFINANCING OF TERRORISM (AML/CFT)

PROGRAMME
I.4.9.1 IRDA issued the guidelines on Anti-Money
Laundering Programme applicable to the insurance
industry on 31st March, 2006. These guidelines are
effective from 1st August, 2006.
I.4.9.2 The guidelines require an insurance company
to have an AML/CFT programme in place focusing
on Know Your Customer (KYC) Norms. The guidelines
stipulate the reporting and record keeping obligations
of the insurers under the Prevention of Money
Laundering Act, 2002 and the Rules framed
thereunder. Detailed guidance on the implementation
of Section 51A of the Unlawful Activities (Prevention)
Amendment Act (UAPA), 2008, laying down the
procedure of freezing / unfreezing mechanism of
insurance contracts with certain terrorists and terrorist
organisations has been provided to the insurance
sector under these guidelines.
I.4.9.6 Insurance companies are required to pay

special attention to business relationships and
transactions with individuals/entities connected with
countries which do not or insufficiently apply the FATF
recommendations.
I.4.9.3 The AML/CFT guidelines are applicable to all

contracts of life insurance companies. In case of
general insurance companies, however, the
applicability is at the pay-out stage (for claims/refunds
over `1 lakh).
I.4.9.7 The guidelines issued by IRDA have been

subject to a thorough evaluation in the assessment
process carried out by FATF (Financial Action Task
Force) while considering Indias membership. IRDA
has been an active participant in the various meetings
of Inter-Ministerial Coordination Committee on CFT/
AML, Core Working Group and Financial Sector SubGroup and has been providing inputs pertaining to
insurance sector on various FATFs recommendations
and has been involved in the process of finalisation
of Mutual Evaluation Questionnaire submitted to
FATF.
I.4.9.4 The KYC norms require insurers to document

proof of identity, residence, sources of funds etc., as
part of the due diligence process. The AML/CFT
program of an insurer envisages maintenance of
records and reporting of certain transactions through
specified reports viz., Cash Transaction Report,
Suspicious Transaction Report, Receipts of Non-Profit
Organisation and Counterfeit Currency Reports to the
Financial Intelligence Unit, India. As part of control
measures under the AML/CFT program, the guidelines
have prescribed the cash acceptance thresholds at
`50,000/- beyond which, premium/proposal deposits
have to be remitted through the banking channels.
Insurance companies have been advised to apply the
said thresholds and to not accept cash deposits where
there is a possibility of the transactions being
integrated through a single remitter. Further, the
insurance companies are required to make all
payments, after due verification of the bona-fide
beneficiary, through account payee cheques and
electronic payment methods such as ECS, NEFT,
RTGS Systems approved by the Reserve Bank of
India.
I.4.9.8 India is now a full-fledged member of FATF.

IRDA was represented at the Amsterdam Plenary
where the membership was declared. IRDA is now
working towards complying with the commitments
made to FATF as part of Action Plan adopted during
the Plenary at Amsterdam in June 2010.
4.10 CROP INSURANCE
National Agricultural Insurance Scheme (NAIS)
I.4.10.1 During 2009-10, Agriculture Insurance
Company of India (AIC) implemented NAIS in 25
States and 2 Union Territories. During the year, there
53
was a quantum jump in coverage under NAIS, with

almost 24 million farmers insured, who grew crops on
over 33.9 million hectares for a sum insured (risk
coverage) of `38,600 crore, earning a premium of
`1,150 crore. In terms of the farmers insured, NAIS is
the worlds largest crop insurance programme.
Because of unprecedented drought conditions which
prevailed during Kharif 2009 season, the claims
reported for 2009-10 were expected to be over `5,000
crore.
Chhattisgarh, Madhya Pradesh and Rajasthan during

Rabi 2007-08 season. The pilot study was extended
to about 10 states during 2008-09, and 14 States
during 2009-10. During 2009-10, AIC covered over 2
million farmers who grew crops on over 2.7 million
hectares for a sum insured of `4,000 crore, earning a
premium of `360 crore. The private insurers who have
been permitted by the government to participate in
such coverage, implemented the pilot WBCIS in seven
states, covering 0.24 million farmers who grew crops
on over 0.64 million hectares for a sum insured of
`850 crore, earning a premium of `93 crore. The pilot
WBCIS implemented in the country is the Worlds
largest weather insurance programme in the
agriculture sector. The outlook of WBCIS for 2010-11
appears bright, as the coverage during Kharif 2010
alone exceeded the entire coverage of 2009-10.
I.4.10.2 A proposal to introduce a modified version of

NAIS has been approved in principle to be piloted in
50 districts w.e.f. Rabi 2010-11 season. Under the
proposed scheme, the key modifications to the existing
scheme include:
Reduction of Insurance Unit to Gram Panchayat

(3 to 4 villages) level for major crops
Guaranteed yield to be based on average of past

7 years, excluding the year(s) in which a natural
calamity may have been declared by the
government
Existing 60 per cent indemnity limit to be

upgraded to 70 per cent
Coverage of pre-sowing and post-harvest risks
On-account payment of compensation during the

season upto 25 per cent of likely claims, using
weather index, crop health index, etc.
Individual farm assessment of claims in case of

localised risks like hailstorm, landslide, etc.
Insurance of Plantation Crops

I.4.10.4 To mitigate the increasingly uncertain
production risk of Plantation and Spices Crops, the
government of India is considering a proposal of
comprehensive crop insurance for crops like tea,
rubber, tobacco, cardamom, pepper, etc. Meanwhile
a pilot coconut palm insurance designed by AIC in
association with Coconut Development Board (CDB)
has been piloted in about 20 districts spread across
seven states. Insurance proposals for other crops are
presently being examined by the government. AIC has
been implementing rainfall based insurance for coffee
with premium subsidy from the Coffee Board, since
2007.
4.11 MICRO INSURANCE
I.4.11.1 In India, more than two-third of the population
lives below poverty line and therefore importance of
micro insurance is undeniable. Most of the people in
this segment are not only illiterate, their level of
awareness about insurance is also very low. In order
to facilitate penetration of micro insurance to the lower
income segments, IRDA has formulated the Micro
Insurance regulations. Micro Insurance Regulations,
2005 provides a platform to distribute insurance
products which are affordable to the rural and urban
poor and to enable micro insurance to be an integral
part of the countrys wider insurance system.
Premium rates to be based on actuarial regime

with up-front subsidy provided by the
government, and insurance company would be
responsible for all claims in actuarial regime.
Weather Insurance
I.4.10.3 The Government of India is piloting Weather
Based Crop Insurance Scheme (WBCIS) in a few
states as a substitute for National Agricultural
Insurance Scheme (NAIS) since Kharif 2007 to
evaluate the strengths and weaknesses of these
models. Weather (Rainfall) based crop insurance was
implemented on a pilot basis in Karnataka during
Kharif 2007 season, and subsequently in Bihar,
I.4.11.2 The main thrust of micro insurance regulations

is protection of low income people with affordable
54
insurance products to help cope with and recover from

common risks with standardised popular insurance
products adhering to certain levels of cover, premium
and benefit standards. These regulations have allowed
Non Government Organisations (NGOs) and Self Help
Groups (SHGs) to act as agents to insurance
companies in marketing the micro insurance products
and have also allowed both life and non-life insurers
to promote combi micro insurance products.
Life Insurance Sector

I.4.11.3 The total premium income under microinsurance portfolio for the year 2009-10 was `402
crore. It nearly doubled from the previous years
premium income of `206 crore. While LIC contributed
94 per cent of the total premium under microinsurance, the remaining 6 per cent was contributed
by the private insurers.
TABLE 49
NEW BUSINESS UNDER MICRO INSURANCE PORTFOLIO FOR 2009-10
(Premium in ` lakh)
Insurer
Private
LIC
Total
Individual
Policies
Premium
998809
839.78
1985145
14982.51
2983954
15822.29
Schemes
17
5190
5207
Group
Lives covered
1895143
14946927
16842070
Premium
1472.09
22869.72
24341.81
Note: New business premium includes first year premium and single premium.
I.4.11.5 Fourteen life insurers have so far launched
28 micro insurance products. Of those, 15 are for
individuals and the remaining 13 are for groups.
(Statement No. 37). Through these various schemes,
the life insurance companies have insured 198.26 lakh
individuals during 2009-10.
I.4.11.4 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. The insurance companies are
now 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.
I.4.11.6 As on 1st April, 2009, there were 7,250 micro

insurance agents with life insurance companies.
During the year under review, while 2,380 new
individual agents were added, 954 agents have been
removed. As such, by the end of March 2010, there
were 8,676 individual micro insurance agents in India.
TABLE 50
MICRO INSURANCE AGENTS OF LIFE INSURERS
Insurer
Private
LIC
Total
As on 1st April, 2009

603
6647
7250
Additions
309
2071
2380
I.4.11.7 During 2009-10, insurance companies have

received a total of 44,016 claims under group
insurance schemes. Out of which, 43,463 claims were
accepted and benefits worth `178 crore were paid to
the nominees of policyholders.
Deletions
142
812
954
As on 31st March, 2010

770
7906
8676
I.4.11.8 Under individual insurance schemes, a total

of 7,574 claims were received and 7,508 were
accepted. The total benefits paid were `8.19 crore.
55
TABLE 51
GROUP DEATH CLAIMS UNDER MICRO INSURANCE PORTFOLIO 2009-10
(Benefit Amount in `lakh)
Insurer
Private
Total Claims
Payable
No of
Benefit
Lives
Amount
2354
603.60
LIC
41662
17328.25
Total
44016
17931.85
Claims paid
No of
Lives
2288
(97.20)
41175
(98.83)
43463
(98.74)
Claims repudiated Claims pending

as on 31st March, 2010
No of
Benefit
No of
Benefit
Lives
Amount
Lives
Amount
62
23.26
4
0.77
(2.63)
(3.85)
(0.17)
(0.13)
487
139.64
(1.17)
(0.81)
62
23.26
491
140.41
(0.14)
(0.13)
(1.12)
(0.78)
Benefit
Amount
579.57
(96.02)
17188.61
(99.19)
17768.18
(99.09)
Note: Figures in brackets show percentage of the respective total claims

TABLE 52
INDIVIDUAL DEATH CLAIMS UNDER MICRO INSURANCE PORTFOLIO 2009-10
(Benefit Amount in ` lakh)
Insurer
Private
LIC
Total
Total Claims
Payable
Claims
paid
Claims
repudiated
Claims written
back
No of Benefit
No of Benefit
No of Benefit
No of
Policies Amount Policies Amount Policies Amount Policies
3441 188.31
3406 182.05
28
4.98
0
(98.98) (96.67)
(0.81)
(2.64)
(0.00)
4133 642.92
4102 637.17
25
4.36
1
(99.25) (99.11)
(0.60)
(0.68)
(0.02)
7574 831.23
7508 819.22
53
9.34
1
(99.13) (98.55)
(0.70)
(1.12)
(0.01)
Claims pending
as on
st
31 March, 2010
Benefit
No of Benefit
Amount Policies Amount
0.00
7
1.28
(0.00)
(0.20)
(0.68)
0.27
5
1.12
(0.04)
(0.12)
(0.17)
0.27
12
2.40
(0.03)
(0.16)
(0.29)
Note: Figures in brackets show percentage of the respective total claims
Duration wise settlement of claims
cent of individual insurance claims within 30 days of

intimation, the same for group insurance schemes was
99.48 per cent. LIC was quicker in settlement of claims
than private insurers.
I.4.11.9 Life insurance companies have operated with

much efficiency in settlement of claims under microinsurance portfolio. While they have settled 98.83 per
TABLE 53
DURATION-WISE SETTLEMENT OF DEATH CLAIMS IN MICRO
INSURANCE INDIVIDUAL CATEGORY 2009-10
(No. of Policies)
Insurer
Private
LIC
Total
Within 30 Days
of Intimation
3324
(97.56)
4097
(99.88)
7421
(98.83)
31 to 90
Days
49
(1.44)
0
(0.00)
49
(0.65)
Duration
91 to 180
181 Days
Days
to 1 Year
17
16
(0.50)
(0.50)
5
0
(0.12)
(0.00)
22
16
(0.29)
(0.23)
Note: Figures in brackets show percentage of total claims settled.
56
More than
1 Year
0
(0.00)
0
(0.00)
0
(0.00)
Total Claims
Settled
3406
4102
7508
TABLE 54
DURATION-WISE SETTLEMENT OF DEATH CLAIMS IN MICRO INSURANCE
GROUP CATEGORY 2009-10
(No. of Policies)
Insurer
Private
LIC
Total
Within 30 Days
of Intimation
2176
(95.10)
41059
(99.72)
43235
(99.48)
31 to 90
Days
83
(3.63)
116
(0.28)
199
(0.46)
Duration
91 to 180
Days
22
(0.96)
0
(0.00)
22
(0.05)
181 Days
to 1 Year
5
(0.22)
0
(0.00)
5
(0.01)
More than Total Claims

1 Year
Settled
2
2288
(0.09)
0
41175
(0.00)
2
43463
(0.00)
Note: Figures in brackets show percentage of total claims settled.

Non-Life Insurance Sector
4.13 RIGHT TO INFORMATION (RTI) ACT, 2005.
I.4.11.10 There are a number of products offered by

all registered general insurance companies targeting
low income segment of the population. These include
Janata Personal Accident Policy, Gramin Personal
Accident Policy, Cattle/Livestock insurance etc.
Further, there are a number of tailor-made/ group
micro insurance policies offered by private and public
insurers for the benefit of these segments. Micro
insurance being a low-price, high-volume business,
its success and sustainability depends mainly on
keeping the transaction costs down.
I.4.13.1 During 2009-10, the Authority nominated the

following officers as Public Information Officers (PIO)
under the Section 19 (1) of RTI Act, 2005.
I.4.11.11 Section 32B and 32C of the Insurance Act,

1938 and IRDA (Obligations of insurers to Rural or
Social Sector) Regulations, 2002 stipulates obligations
to insurers in respect of rural and social sector, which
have also contributed towards development and
promotion of micro insurance products by insurers in
the country.
4.12 DIRECTIONS, ORDERS AND REGULATIONS
ISSUED BY THE AUTHORITY
No.
Name of the CPIO
Subject related to
Prabodh Chander
Non-Life, Hindi, Health

Insurance, Legal and
Intermediaries
K Subrahmanyam
Actuarial
Kunnel Prem
Life Insurance
A. Giridhar
Inspections, Consumer
Affairs, Accounts,
Administration,
Information Technology,
Agents and Agents
Training Institutes
Dr. R Kannan, Member (Actuary) was nominated as Appellate

Authority under Section 19 of the RTI Act. Prior to this, C R
Muralidharan was the Appellate Authority till 3rd November,
2009.
I.4.12.1 The Authority issued a number of Circulars,

Directions and Orders during 2009-10. The list of all
such Circulars, Directions and Orders are placed at
Annex 8. The Annex covers all such Circulars,
Directions and Orders issued during the year under
report till 30th September, 2010. In addition, the details
of all Regulations notified by the Authority till
30th September, 2010 are placed at Annex 9.
57
58
PART II
REVIEW OF WORKING AND OPERATIONS
1. REGULATION OF INSURANCE
REINSURANCE COMPANIES
AND
deficiency is noticed the Board must be informed

for necessary action. In the event of no action/
inadequate action, the Authority shall be kept
informed.
II.1.1 Submission of report on performance of

products
The Authority has mandated that while filing the

products under the File and Use procedure, a report
regarding the performance of the products currently
in existence in the same class for more than two years
shall also be filed, certified by the Appointed Actuary
of the insurance company.
II.1.3 Submission of compliance report for

Facultative Reinsurance Placements
II.1.2 Submission of Financial Viability Certificate
In order to monitor compliance with Regulation 2(f)

and 3(8) of IRDA (Reinsurance - General Insurance)
Regulations, 2000 the Authority has issued directions
requiring every insurer to submit on half yearly basis
confirmation of compliance with the regulations and
to give details of all facultative placements made by
the company within one month from the close of the
half year.
Risk based pricing involves availability of a strong

database and analysis of the pricing of products, to
measure the underwriting impact, test the profitability
of products, etc. Thus, the role of Appointed Actuaries
has to be enhanced significantly so that the non-life
insurers are in a position to cope with public demand
for competitively priced non-life products and at the
same time ensure availability of solvency on a
continuous basis. Due importance must also be given
to the profit to be generated by each product. Keeping
in view all these requirements the following measures
have been initiated:
The Appointed Actuary has to prepare the

financial condition report of the non-life insurance
company, and in this context the Regulator will
give necessary guidance very shortly.
2. INTERMEDIARIES ASSOCIATED WITH THE

INSURANCE BUSINESS
Insurance Agents
II.2.1 The year 2009-10 witnessed a 1.39 per cent

increase in the number of individual agents. The
number of the agents has gone up from 29.38 lakh as
on 1st April, 2009 to 29.78 lakh as on 31st March, 2010.
While the private life insurers reported a decrease of
1.07 per cent, LIC showed an increase of 4.31 per
The Appointed Actuary shall be invited for all the
cent in the number of individual agents. As at
Board Meetings of the non-life insurance
31st March, 2010, the number of agents registered
company.
with LIC stood at 14.03 lakh (13.45 lakh in 2008-09).
The Appointed Actuary has to certify that each
The corresponding number for private sector insurers
product is financially viable.
was 15.75 lakh (15.93 lakh in 2008-09). The attrition
The Appointed Actuary must help the insurer to
was higher in case of private sector insurers at
ensure the availability of required solvency of the
6,42,439 more than two times, as against 2,54,596
company at all points of time and wherever
for LIC.
TABLE 55
DETAILS OF INDIVIDUAL AGENTS : LIFE INSURERS
The Appointed Actuary must be given necessary
infrastructure in the office of the non-life insurer
so that he/she can function effectively and lead
the team members in the actuarial department.
Insurer
Private
LIC
Total

1592579
1344856
2937435
Additions
625336
312547
937883
59
Deletions
642439
254596
897035

1575476
1402807
2978283
II.2.2 The turnover of agents continued to be a matter

of concern for the industry even in the year 2009-10.
While the number of agents appointed was 9.37 lakh,
the number of agents terminated was as high as 8.97
lakh. The scenario was worse for private insurers as
compared to LIC. The private insurers appointed 6.25
lakh agents, while at the same time terminating 6.42
lakh agents. On the other hand, LIC terminated 2.54
lakh agents while appointing 3.12 lakh agents. Thus,
the public sector insurer was a net contributor to the
agency force. Such high turnover in the agency force
is a matter of concern, as it could have negative
consequences for the life insurance industry as a
whole. Firstly, it is a huge drain on the financials of
the insurers who invest considerably in terms of money

and time on prospecting, appointing and training of
individual agents. Secondly, the policies procured by
these agents are rendered orphan upon termination
of the respective agent, and thereafter often result in
lapsation due to absence of servicing support. Thirdly,
the image of the profession of agents 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 enrol
committed agents. It is, therefore, in the interest of all
stakeholders to work at finding a viable solution to
reduce the turnover of individual agents and improve
their productivity.
TABLE 56
DETAILS OF CORPORATE AGENTS : LIFE INSURERS
Insurer
Private
LIC
Total
2091
415
2506
Additions
686
167
853
Deletions
357
72
429
2420
510
2930
II.2.3 As on 31st March, 2010 the number of corporate
CHANNEL-WISE NEW BUSINESS PERFORMANCE
agents stood at 2,930. While 853 new corporate
Individual New Business
agents were added during 2009-10, licences of 429
II.2.5 For the first time since the opening up of the

insurance sector to private participation, individual
agents have held on to their share in the new business
premium. The share of individual agents in the new
business premium, underwritten increased marginally
to 79.61 per cent in 2009-10, as against 79.57 per
cent in 2008-09.
corporate agents were terminated, resulting in a 16.92

per cent increase (3.77 per cent in 2008-09) in the
number of corporate agents over the previous year.
II.2.4 It has been observed that the agents are opting
II.2.6 Amongst the other channels, banks increased

their share in new business premium from 9.69 per
cent in 2008-09 to 10.60 per cent in 2009-10. The
share of direct selling decreased from 4.76 per cent
in 2008-09 to 4.13 per cent in 2009-10. While the
private insurers have procured 10.73 per cent of their
new business through the direct selling channel, LIC
did not procure any new business through this
channel, and has yet to make in-roads through this
channel of distribution to procure new individual
business.
for transfer of their agency licence from one insurance

company to another company. In such cases, the
policyholders have been put to inconvenience apart
from losing the benefits of the policy due to
discontinuance of service. The Authority, in the
interests of policyholders has stepped-in to mandate
that every insurance company shall make adequate
arrangements for servicing of policies before issuing
No Objection Certificate (NOC) to the concerned
II.2.7 The share of corporate agents in the new

business premium procured by the private life insurers
is significant at 35.16 per cent in 2009-10 as compared
to 31.70 per cent in 2008-09. On the other hand, LIC
has continued to rely on its agency force, and 97.75
per cent of its new business premium is procured by
individual agents.
agent. Both, the insurers and corporate agents are

required to inform the policyholders, in writing, about
the arrangements made to service their policies as
well as to ensure that they fulfil obligations to
policyholders at the levels prescribed by IRDA.
60
TABLE 57
INDIVIDUAL NEW BUSINESS PERFORMANCE OF LIFE INSURERS FOR 2009-10 CHANNEL WISE
(Figures in per cent)
Life Insurer
Individual
Agents
Private Total
LIC #
Industry Total
50.67
97.75
79.61
Corporate
Agents
Banks
24.88
1.64
10.60
Brokers
Others*
10.28
0.52
4.28
3.44
0.09
1.38
Direct
Total
Selling Individual
New
Business
10.73
100.00
0.00
100.00
4.13
100.00
Referrals
7.85
0.18
3.13
*Any entity other than banks but licenced 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.
# Does not include its overseas new business premiums.
Group New Business
through this channel. The contribution of this channel

stood at 12.11 per cent and 0.32 per cent respectively
for LIC and the private insurers in 2008-09. Another
important channel for procuring business for the
private sector insurers has been the banking sector.
During 2009-10, bancassurance contributed 8.67 per
cent of the total group business of the private insurers
(as against 9.19 per cent in 2008-09).
II.2.8 Direct selling continues to be the dominant

channel of distribution for group business, with a
market share of 89.34 per cent during 2009-10 (86.34
per cent in 2008-09).
II.2.9 While LIC procured 7.44 per cent of the group
business through the traditional individual agency
force, the private insurers procured only 0.75 per cent
61
TABLE 58
GROUP NEW BUSINESS PERFORMANCE OF LIFE INSURERS FOR 2009-10 CHANNEL WISE
Life Insurer
Individual
Agents
Private Total
LIC#
Industry Total
0.75
7.44
5.81
Corporate
Agents
Banks
8.67
0.06
2.15
Brokers
Others*
4.96
0.31
1.44
1.88
1.05
1.25
Direct
Total
Selling Individual
New
Business
83.74
100.00
91.15
100.00
89.34
100.00
Referrals
0.62
0.15

Note:
# Does not include its overseas new business premium
Individual and group business
individual agents from 65.45 per cent in 2008-09.

Direct sales, as a channel, had witnessed a noticeable
growth in underwriting new business, as compared to
the previous year. This mode had contributed 25.73
per cent of the total new business in 2009-10 as
compared to 21.11 per cent during 2008-09.
II.2.10 Individual agents continue to play a major role

in procuring new insurance business. At the aggregate
level (individual and group business together) they
contributed 60.91 per cent of the total new business.
However, there was a decline in the contribution of
62
TABLE 59
NEW BUSINESS PREMIUM (INDIVIDUAL AND GROUP) OF LIFE INSURERS FOR 2009-10
CHANNEL-WISE
Life Insurer
Private
LIC#
Total
Individual
Agents
41.85
71.14
60.91
Corporate
Agents
Brokers
Banks
Others*
22.02
1.17
8.46
9.34
0.46
3.56
3.16
0.37
1.34
Direct
Total
Selling Individual
New
Business
23.63
26.86
25.73
Referrals
100
100
100
6.57
0.12
2.37

Note:
NEW BUSINESS PREMIUM OF LIFE INSURERS

(INDIVIDUAL & GROUP)
SURVEYORS AND LOSS ASSESSORS
for the purpose. The Insurance Surveyors and Loss

Assessors (Licensing, Professional Requirements and
Code of Conduct) Regulations, 2000 lay down the
process of filing an application for procurement of
licence with IRDA.
II.2.11 IRDA issues licences to surveyors and loss

assessors in terms of Section 64UM of the Insurance
Act, 1938. An individual, a company or a firm wanting
to act as a surveyor and loss assessor has to make
an application to the Authority in the prescribed format
63
TABLE 61
GRIEVANCES RELATING TO SURVEYORS AND
LOSS ASSESSORS
II.2.12 During the financial year 2009-10, the IRDA

has enrolled 673 applicants as Trainee Surveyors and
has issued 373 fresh licences to Trainee surveyors
on completion of practical training and passing of
requisite examinations. The IRDA has renewed 2,175
licences during 2009-10 after fulfilment of all the
regulatory requirements. Further, for the first quarter
of 2010-11, 359 renewal licences have been issued.
For the period

April 2009March 2010
April-June 2010
TABLE 60
NUMBER OF LICENCES ISSUED TO
SURVEYORS AND LOSS ASSESSORS
Addressed
77
33
77
33
3. LITIGATIONS, APPEALS AND COURT

PRONOUNCEMENTS
April 2009 to
March 2010
April 2010 to
June 2010
Individual
335
73
Corporate
38
II.3.1 The details of the litigation in terms of cases

filed before the Supreme Court, various High Courts,
Consumer Courts, Civil Courts, Motor Accidents Claim
Tribunal (MACT), Monopolies and Restrictive Trade
Practices (MRTP) Commission and Lok Adalat, as also
cases disposed/dismissed during the year are
provided below:
Fresh licences
TABLE 62
DETAILS OF CASES FILED
Renewals
Individual
2117
341
Corporate
58
18
673
178
Trainee Enrolments
Received
Particulars
No. of Cases
Cases filed in the Supreme Court
II.2.13 In judicious exercise of the powers and the

discretion vested in the Authority under Section 14(1)
of the Insurance Regulatory and Development
Authority Act, 1999 read with Regulation 9(1) of the
Regulations, the Authority vide Order no.IRDA/SURV/
ORD/LS/153/09/2010 on 6 th September, 2010
suspended the licence of Shri Sukumal K Choudhary
bearing licence no. 2555. The Authority has also
issued Circular no.27/IRDA/SURV/CIR/AUG10 dated
27 th August, 2010 to all the non-life insurance
companies on appointment of Surveyors and Loss
Assessors. The directions issued by the IRDA stipulate
that all losses above `20,000, except for those losses
which are notified by the Central Government in the
Gazette No.F.51 (15)-INS.I/69 dated 30th May, 1970,
shall be surveyed only by surveyors and loss
assessors, who hold a valid licence issued by the
Authority to work as surveyors and loss assessors for
such category of business as may be specified in the
licence.
Writ Petitions filed in various

High Courts
45
Writ Appeals/LPAs filed

in various High Courts
Review/Restoration Petitions
filed in various High Courts
Contempt Petitions filed in

various High Courts
Consumer cases filed
25
Civil cases filed
MACT/MRTP/Lok Adalat cases filed
TOTAL
LPA: Letters Patent Appeal
64
81
that the policy was taken by them for excessive value

and that material facts had been suppressed at the
time of taking the policy. IRDA was also impleaded
as a party to the petition. The NCDRC rejected the
grounds raised by the insurer and directed them to
pay an amount of `5,31,71,000 to the policyholder
which order was challenged by the insurer. In their
defence, IRDA took the plea that it is performing
statutory duties under the IRDA Act and does not
render any service for consideration within the
meaning of the Consumer Protection Act.
II.3.2 The following Table gives details on the petitions/

cases disposed/dismissed during the year:
TABLE 63
PETITION /CASES DISPOSED/DISMISSED
Particulars
No. of Cases
With
directions
to IRDA*
Without
directions
to IRDA
Writ Petitions
disposed/ dismissed
12
Writ Appeals / LPAs

disposed /dismissed
Review / Restoration
Petitions disposed /
dismissed
Order: The Supreme Court by its order dated

11 th May, 2009, dismissed the petition with the
observation that there were no grounds to interfere
with the Order passed by the NCDRC.
II.3.4 Case No. 842/08 @ Sripad Commodity &
Derivatives P. Ltd. Vs. NIA & Ors before the District
Consumer Forum, Hyderabad, AP
Contempt Petitions
disposed / dismissed
Consumer cases
disposed/ dismissed
Civil cases
disposed/ dismissed
MACT/MRTP/Lok
Adalat cases
disposed/ dismissed
TOTAL
26
Sripad Commodity & Derivatives P. Ltd. filed a

complaint challenging the action of New India
Assurance Co. Ltd., in repudiating the claim made by
them under the stock brokers indemnity insurance
policy, on the ground that the claim did not fall within
the purview of the policy. IRDA, which was impleaded,
as a party, took the plea that it is performing statutory
duties under the IRDA Act, and does not render any
service for consideration within the meaning of the
Consumer Protection Act, and that it was neither a
proper nor necessary party to the said proceedings
and on the said basis sought for the deletion of its
name from the array of parties.
Order: The Honble Forum accepted the plea of IRDA,
and observed that being a statutory body set up by
an Act of Parliament, IRDA does not charge any fees
or receive any consideration for the functions
discharged by it and hence, the complainant would
not be a consumer vis--vis IRDA and thereafter by
its Order dated 9 th October, 2009 dismissed the
complaint.
*(In six cases, IRDA was directed to dispose the representations

filed before it; In one case, IRDA was directed to renew the
licence of the petitioner TPA, against which Order, the IRDA
has filed an appeal; In one case, IRDA was permitted to
withdraw a letter issued by it rejecting the application of
petitioner for grant of surveyor licence, with liberty to take
decision in accordance with the law).
LPA: Letters Patent Appeal
II.3.5 Suit No. 06/2009 @ Harish Kumar Vs NIC &

Ors before the Tiz Hazari Court, Delhi
SIGNIFICANT ORDERS PASSED DURING 2009-10

II.3.3 SLP No. 7598/ of United India Insurance Co.
Ltd Vs. Baspa Organics Ltd & Ors before the
Supreme Court of India
Suit filed by the plaintiff, the proprietor of M/s Nulife

Hospital and Maternity Centre, inter alia, challenging
the termination of contract entered into with the TPA,
E-Meditek Solutions Ltd., for providing cashless
facilities to the patients for undergoing treatment at
his medical centre, without citing any reasons thereof
and had sought for settlement of payment of dues.
Baspa Organics Ltd., filed a claim before the National

Consumer Disputes Redressal Commission (NCDRC)
against United India Insurance Co Ltd for repudiating
the fire insurance claim made by them on the ground
65
Since no reliefs were sought against it, IRDA which

had been impleaded as one of the defendants took
the plea that it is not concerned with the contractual
disputes between the plaintiff and the TPA and that it
is not empowered to resolve or adjudicate the disputes
between the plaintiff and the defendants 1 and 2 and
to this effect had filed a written statement alongwith
an application under Order 1 Rule 10(2) CPC seeking
deletion of its name from the array of parties.
financial sector supervisors. Over the years, the

membership has grown and insurance supervisors
from over 180 jurisdictions have become member of
the IAIS. The IAIS has over 100 organisations and
individuals representing professional associations,
insurance and reinsurance companies, international
financial institutions, consultants and other
professionals as observers. This involvement reflects
the increasing global nature of insurance markets and
the need for consistent supervisory standards and
practices. In addition, it recognises the important
contribution that strong supervisory regimes make
which leads to financial stability both within respective
jurisdictions and across markets. 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.
Order: While accepting the plea of IRDA, the Ld.

Judge was pleased to dispose off the said application
filed on behalf of IRDA and vide Order dated
26th November, 2009 ordered deletion of the name of
IRDA from the array of parties.
II.3.6 W.P. No. 1521/08 @ Hazera Khatun Vs. NIC &
Ors in the High Court of Guwahati
The petitioner challenged the action of National
Insurance Co. Ltd of repudiating her claim upon the
death of her husband, stated to be covered under the
Group Personal Insurance Policy taken by Golden
Multi Services Club Ltd. (GMSC) from NIC, insuring
all the members of the Club.
II.4.2 The IAISs activities are undertaken with active

guidance of its Executive Committee, which comprises
of 15 voting members elected from different regions
across 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 claim was repudiated on the ground that it was

not submitted by GMSC Ltd. within a period of 90 days
from the date of the accident. The petitioner submitted
that she had filed her claim form for payment of the
assured sum, within the prescribed period i.e., two
months from the date of accident but that the same
was forwarded by the GMSC to the insurer beyond
the prescribed period.
II.4.3 The IAIS develops principles, standards and

guidance for effective insurance supervisory regimes.
In doing so, it acts as a facilitator 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.
Order: The Court by its Order dated 2nd March, 2010

while observing that as the claim was lodged by the
petitioner within the prescribed period and the GMSC
Ltd., had failed to submit the same to the insurer within
the agreed period, the insurer ought not to have, in
the absence of any other reason, rejected the claim
of the petitioner and on that basis quashed the
repudiation of the insurer and directed the insurer to
make payment of such amount(s) due to the petitioner.
4. INTERNATIONAL
INSURANCE
CO-OPERATION
II.4.4 The IAIS collaborates closely with other

international financial institutions; international
associations of supervisors; and regulators to
participate in and contribute to the shaping of financial
systems globally. The IAIS is also one of the
constituting bodies of the Joint Forum and participates
in the activities of its working groups. The IAIS 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 (IFRS)
and more particularly on those standards, which are
specifically relevant to the insurance sector. The IAIS
is a member of the IASBs Standards Advisory Council
IN
International Association of Insurance Supervisors

(IAIS)
II.4.1 The International Association of Insurance
Supervisors (IAIS) was established in 1994 to promote
cooperation among insurance supervisors and other
66
as well as official observer of its Insurance Working

Group and Financial Instruments Working Group. It
also has observer status on the Financial Action Task
Force (FATF) which combats money laundering and
terrorist financing.
II.4.6 In the aftermath of the global financial crisis,

the various committees of the IAIS are particularly
focussing on issues relating to developing and
maintaining a comprehensive and cohesive set of
supervisory papers on group-wide supervision of
insurance activities; and cross-sectoral issues and
these related to the supervision of financial
conglomerates. The other area of considerable
importance is the disclosure and transparency of
information to policyholders, consumer protection and
coordination between supervisors or other bodies
dealing with various aspects of market conduct of
insurers and intermediaries.
II.4.5 The Authority is represented by its Chairman

on the Executive Committee, Technical Committee
and Implementation Committee and various Task
Forces constituted by the EC of the IAIS, and by its
Members on the various sub-committees of IAIS
looking into insurance contracts, accounting aspects,
insurance laws, reinsurance, financial conglomerates,
solvency, frauds, etc. Chairman, IRDA heads the
Implementation Committee and also Implementation
Activities Approval sub-committee (IAAS). The details
of various committees /sub-committees on which IRDA
is represented are given in the Table below:
5. PUBLIC GRIEVANCES
TABLE 64
COMMITTEES / SUB-COMMITTEES OF IAIS
II.5.1 LIFE INSURERS

The Grievances Cell of the Authority receives
grievances from the policyholders against insurance
companies. Such complaints are forwarded to the
companies for resolution at their end. The insurance
companies are required to keep the Grievances Cell
of IRDA informed about the status of respective
grievances and whether the same have been resolved
or otherwise. As on 31st March, 2010, there were 395
complaints pending with the Authority pending
resolution by life insurance companies. During the year
2009-10, the Authority received 2,449 complaints
(1,794 in 2008-09), out of which, 606 related to LIC
(481 in 2008-09) and 1,843 to private sector insurers
(1,313 in 2008-09).
Executive Committee
Technical Committee
Implementation Committee
Implementation Activities Approval Subcommittee
Insurance Groups and Cross Sectoral Issues
Subcommittee
Governance and Compliance Subcommittee

Reinsurance & Other Forms of Risk Transfer
subcommittee/Reinsurance Mutual Recognition

Sub-group
Insurance Frauds Subcommittee
Solvency Subcommittee
Insurance Contracts Subcommittee
Pension Coordination Group
Market Conduct Subcommittee
Micro Insurance Joint Working Group (CGAP)
TABLE 65
STATUS OF GRIEVANCES : LIFE INSURERS
Insurer
LIC
PRIVATE
TOTAL
Outstanding
as at
31-03-2009
186
272
458
Greivances
Reported
during 2009-10
606
1843
2449
67
Resolved
during
2009-10
642
1870
2512
Outstanding
as at
31-03-2010
150
245
395
II.5.2 During 2009-10, the insurance companies

resolved 86.4 per cent of the complaints (83.70 per
cent in 2008-09). While the private life insurers
resolved 88.4 per cent of the complaints registered
(83.0 per cent in 2008-09), LIC resolved 81.0 per cent
of the complaints (84.0 per cent in 2008-09) filed

against them with the Authority. As on
31st March, 2010, 395 complaints are still pending with
the insurance companies, out of which 245 pertain to
private sector and 150 to LIC.
TABLE 66
BREAK-UP OF COMPLAINTS LODGED WITH GRIEVANCES CELL
(LIFE INSURANCE) DURING 2009-10
Sr. No.
Nature of Complaints
No. of Complaints
Wrong plan and term allotted
394
16.1
Mis-sale
186
7.6
Relating to unit linked charges
298
12.2
Non-refund of proposal deposit
64
2.6
Non-receipt of policy bond
217
8.9
Free-look Refund
100
4.1
Cancellation of policy
294
12.0
Error in policy schedule
38
1.6
Issue of duplicate policy
0.2
10
Adjustment of premium
129
5.3
11
Alterations in policy
94
3.8
12
Revival of lapsed policies
65
2.7
13
Nomination/Assignment of policies
0.2
14
Transfer of policy records
13
0.5
15
Non-receipt of statement of account/bonus
22
0.9
16
Non-payment of surrender value
48
2.0
17
Non-settlement of maturity payment
66
2.7
18
Correct surrender value not paid
105
4.3
19
Non-payment of claim
128
5.2
20
Repudiation of claim
35
1.4
21
Non-payment of annuities
39
1.6
22
Survival benefit not paid
11
0.4
23
Claim amount not correct
0.2
24
Partial withdrawal related
0.2
25
Penal interest not paid
10
0.4
26
Health Insurance related
29
1.2
27
NAV related
14
0.6
28
Others
29
1.2
2449
100.0
Total
68
In per cent
II.5.3 An analysis of the complaints lodged with the

Life Insurance Grievance Cell in 2009-10 has revealed
that major causes of grievances of the policyholders
are wrong plan and term allotted (16.1 per cent),

relating to unit linked charges (12.2 per cent) and
cancellation of policy (12.0 per cent).
TABLE 67
STATUS OF GRIEVANCES - LIFE INSURERS
(APRIL - JUNE 2010)
Insurer
Outstanding
as on
31.3.2010
Grievances
Reported
during April to
June 2010
Resolved
During
April to June 2010
Outstanding
as on
30.06.2010
LIC
Private
Total
150
245
395
246
662
908
141
152
293
255
755
1010
II.5.4 During the first quarter of current financial year,

the Grievance Cell has received 908 complaints. Along
with the complaints outstanding as on 31st March 2010,
the Grievances Cell had 1,303 complaints to resolve.
As only 293 complaints were resolved during this
quarter, there were 1,010 complaints outstanding for
resolution.
II.5.6 As on 31st March, 2010, a total of 556 complaints

were outstanding against non-life insurance
companies. Of the pending grievances, 33.27 per cent
were on policy related issues, 43.71 per cent related
to non-settlement / delay in settlement of complaints,
and 18.53 per cent related to repudiation / partial
settlement of claims.
Non-Life Insurers
II.5.7 IRDA has registered 684 complaints during the

first quarter of the current financial year 2010-11. Of
these, 373 relate to public sector non-life insurance
companies, while the remaining 311 are against the
private sector companies. The public sector
companies resolved 127 (15.88 per cent) complaints,
while private insurers resolved 161 (36.60 per cent)
complaints and overall 288 (23.23 per cent) complaints
were resolved during the first quarter. As on
30th June, 2010, 952 complaints were pending with
the insurers. These are being actively followed up by
the Grievance Cell.
II.5.5 The non-life insurance companies resolved

79.63 per cent of the complaints outstanding and
received during the year. The private non-life
insurance companies resolved 89.47 per cent of the
complaints registered and public non-life insurance
companies resolved 71.61 per cent of the complaints
filed
against them with the Authority. As on
st
31 March, 2010, 556 complaints were still pending
with the insurance companies for resolution, out of
which 129 pertained to private sector and 427
pertained to public sector non-life insurance
companies.
TABLE 68
STATUS OF GRIEVANCES - NON LIFE INSURERS DURING 2009-10
Insurer
Outstanding Grievances
as on
Reported
31.03.2009 during 2009-10
Public
443
1061
Private
210
1015
Total
653
2076
Resolved
during
2009-10
Outstanding
as on
31.03.2010
Break-up of outstanding grievances

according to nature
1077
(71.61)
1096
(89.47)
2173
(79.63)
427
A
126
B
198
C
81
D
22
129
59
45
22
556
185
(33.27)
243
(43.71)
103
25
(18.53) (4.50)
Note: Figures in brackets are percentage of the grievances resolved during the year.
A: Policy related issues
C: Repudiation / partial settlement of claim
B: Non-settlement / Delay in settlement of claims
D: Other reasons
69
TABLE 69
STATUS OF GRIEVANCES - NON-LIFE INSURERS
(APRIL - JUNE 2010)
Insurer
Outstanding
as on
31.3.2010
Grievances
Reported
during
April to June 2010
Public
427
373
Private
129
311
Total
556
684
Resolved
During
April to June 2010
Outstanding
as on
30.06.2010
127
(15.88)
161
(36.60)
288
(23.23)
673
279
952
Note: Figures in brackets are percentage of the grievances resolved during April to June 2010.
6. INSURANCE ASSOCIATION AND INSURANCE

COUNCILS
consultations through a series of core group meeting

to finalise the recommendations of the life industry on
the proposed Direct Tax Code. A core group of CFOs
headed by the Secretary General of the Life Council
met senior officials of IRDA in December 2009 to seek
clarifications on the Disclosure Requirements
stipulated by the Authority for the life insurance
industry.
LIFE INSURANCE COUNCIL

II.6.1 The Life Insurance Council is a body set up
under section 64C of the Insurance Act, 1938. All life
insurers who have been granted certificate of
registration by IRDA, are members of the Council and
are represented by their respective CEOs. The Council
has two nominee members from the IRDA, one of
whom is the Chairman of the Council. The Secretary
General functions as the Chief Executive of the
Council. During 2009-10, the Council met six times.
The Council carries out it consultative work through
the standing sub-committees. In addition, as and when
specific areas of work are taken up, working groups
are constituted, to discuss and address emerging
issues from time to time. The committee-based
approach ensures participation by and valuable
contribution from a wide cross-section of senior
executives from the industry in very diverse areas of
operations of life insurance.
II.6.3 The Human Resources and Administration

Committee was re-constituted during 2009-10. The
Committee met twice during the year. Besides
finalising the appraisal system for the employees of
the life Council; the committee deliberated on the
creation of a database of terminated employees for
reasons other than their non-performance. The
committee also deliberated on the idea of preparing a
common curriculum for the insurance industry with
endorsement from an authorised credible entity.
II.6.4 The Statistical Data sub-committee met formally
twice in 2009-10. The sub-committee has taken up
further work on examining the various data points and
additional requirements of data availability by various
stakeholders including the industry, regulator and
public. The collection and publication of data is shared
with the media with a view to improving awareness
about the performance of the life insurance industry.
The details of the various activities taken up by the

Life Insurance Council during 2009-10 are indicated
below:
II.6.2 The sub-committee of Chief Financial Officers
(CFOs) met three times during the year. Their
meetings were focused on various issues relating to
pre-budget memorandum for the Union Budget
2010-11, Service Tax exemption, New Direct Tax
Code and IFRS. This Committee actively held
II.6.5 The Legal and Compliance sub-committee met

three times during 2009-10. Several important
recommendations were made by the committee on
topics like corporate governance, demat of life policies,
combi products, etc.
70
II.6.6 The Underwriting sub-committee was

reconstituted in 2009-10. The committee met twice
during the year. The committee deliberated on the
changes required in the Declined Lives Database
(DLD). The committee also decided to prepare a
detailed roadmap on the approach to be adopted by
life insurance industry towards the medical centres /
doctors who are removed from the approved list of a
particular company.
II.6.11 Electronic issuance of life insurance policies.

The recommendations were finalised after lot of
deliberations and discussions among the council
members. The legal opinion on electronic issuance
was also sought by the Life Council and submitted to
IRDA along with the recommendations of the industry
covering the following broad areas:
Insurance of persons with disabilities.
II.6.7 Life Insurance awareness sub-committee met

four times during the year. The sub-committee
organised two press meets in November 2009 at
Lucknow and in March, 2010 at Ahmedabad to create
awareness about the importance of life insurance.
These events were widely covered by the print and
electronic media in tier II cities. The CEO roundtable
was also held in Delhi on 24th June, 2009.
Compulsory cession of life business to General

Insurance Corporation (GIC).
Public Disclosures of life companies.
Introduction of UID (Unique Identification).
Relaxation from exposure norms as prescribed

under IRDA Investment (Fourth Amendment)
Regulations, 2008.
Exemption from Rule 17D of the Insurance Rules,

1939 for financial year 2008-09.
II.6.8 A major achievement for the life insurance

industry was exemption from service tax in case of all
ULIP charges other than fund management charges.
This announcement was made by the Hon. Finance
Minister while presenting the Union Budget 2010. This
was a big relief to the life industry.
II.6.12 In addition to IRDA, the Life Council made a

representation on draft Direct Tax Code to Joint
Secretary, Tax Planning and Ministry of Finance in
the month of September 2009 to present the views of
life insurance industry. The meeting was also attended
by the Joint Secretary, Insurance and Pension division,
Ministry of Finance, representatives from IRDA and
the representatives of the life insurance industry.
II.6.9 Life Council held a workshop on Goods and

Services Tax (GST) in December 2009. The workshop
was attended by the CEOs and CFOs from the life
insurance industry. Ernst & Young conducted the
workshop. The Life Council is actively engaged with
E&Y in preparing a final representation on the
suggested model of GST for life insurance industry.
II.6.13 Secretary General represented the life

insurance Council at various events in 2009-10
including the FICCIs 13th Conference on Insurance the Session on Life Insurance 2020, IIC conference
on insurance business (Jaipuria Institute of
Management, Lucknow) and Intensive Programme on
Health Insurance conducted by Prof Howard J Bolnick,
etc. The Secretary General was also invited in various
respectable events such as NDTV India show - Money
Mantra, etc.
II.6.10 The Councils website continues to carry the

statistical data, latest news and other information.
Various new parameters have been included in the
quarterly statistical data which has been appreciated
by both the media and the industry. The number of
hits from different geographies national and
international increased significantly after up-gradation
of the websites design and interlinking it with websites
of IRDA, insurance Ombudsman and all life insurers.
The feedback/query/grievance forwarding mechanism
has been modified and the same continues to be
managed by the Secretariat of the Life Council.
II.6.14 The Council is actively involved at various

meetings and conferences organised by the CII,
FICCI, ASSOCHAM, NIA, and other similar bodies.
The Life Council represented to IRDA on the following

matters during 2009-10.
II.6.15 The database of terminated agents whose

services were terminated for reasons other than
non-performance continues to grow in number and
usage.
71
GENERAL INSURANCE COUNCIL
II.6.16 During 2009-10 with the induction of SBI

General Insurance Co. Ltd. and Max Bupa Health
Insurance Co. Ltd., the membership of the General
Insurance Council increased to 23.
II.6.21 The Council provided its views to the IRDA on

(i) the concept of Health plus Life combi products
leading to regulations allowing Health plus Life combi
products to be offered in the market; (ii) Senior Citizens
Policy regulations; and (iii) Introduction of Free-look
period in health insurance.
II.6.17 The Executive Committee of the Council

comprises, apart from the nominees of IRDA viz.
Member (Non-life) as Chairman of the Council and
Executive Director (Non-life), the Secretary General,
and the Chief Executive Officers of all non-life
insurance companies, who have been granted
certificate of registration by IRDA.
II.6.22 The matter related to parity between life and

non-life insurance companies in health insurance
portfolio was also pursued with IRDA.
II.6.18 During 2009-10, six meetings of the Executive

Committee of the Council were held. In addition, the
Council organised meetings of the Underwriting
Executives, Heads of Health Insurance Departments,
CFOs, and other Senior Executives of the
member-companies. In addition, the Secretary
General represented the non-life insurance industry
at various conferences, seminars, meetings of various
forums like FICCI, BCCI, CII, ASSOCHAM, PRESS
Meets and other public initiatives in different cities
across the country and on the various Committees
constituted by IRDA. The Secretary General has also
represented the industrys viewpoint and opinion on
various matters referred to the council by different
ministries like Ministry of Finance (Insurance Division),
Ministry of Transport and Ministry of Finance (Revenue
Division) and by the Central Board of Direct Taxes
(CBDT) officials.
Motor
II.6.23 The Superdari Case was pursued in the
Supreme Court of India. Personal delivery of notices
by the officers of the General Insurance Council to
Police Authorities across the country not only speeded
up the process of hearing in the Court but also resulted
in issuance of Government Order by a few states in
line with the issues raised by the Council in its petition.
This was later used to bolster the case for obtaining a
favourable judgment which should result in timely
action on recovery and disposal of stolen vehicles,
thereby resulting in savings of several hundred crore
rupees for the industry.
II.6.24 The concept paper on issuance of one page
policy in Motor insurance was submitted to IRDA,
which was subsequently approved by the Authority.
The issuance of policy without attaching terms and
conditions would result in improvement of policy
issuing process and also result in savings on account
of document printing and paper costs to the tune of
several crores rupees for the non-life industry.
II.6.19 In pursuance of the functions of General

Insurance Council, the following initiatives were
undertaken and activities were conducted during the
year with regard to technical, legislative and
regulatory, administrative, and accounts and taxation
issues.
II.6.25 A project for developing long term Third Party

Liability rates for two wheelers was initiated. An
Actuary was appointed for this purpose. The support
offered by ICICI Lombard was enlisted to help the
consulting actuary with hardware, software and human
resources in processing and analysing the relevant
data.
Technical
Health
II.6.20 A common portable product has been
developed by the Councils committee and
recommended to IRDA. A set of standard formats have
also been developed to facilitate implementation of
the portable product, subject to approval by IRDA.
These formats comprise of standard
Proposal forms;
Policy wordings and schedules;
Definition of key terms;
Claims forms; and
Renewal notice format.
II.6.26 The Concept of Motor Insurance Bureau (MIB)

was developed, deliberated upon and subsequently
approved by the Council. A committee was formed to
Product Brochure;
72
identify technology stack and select a vendor for

building the MIB. The committee selected Tata
Consultancy Services as a vendor for the purpose.
Subsequently, the matter was discussed with the IRDA
and it was decided that the entire project would be
done under the aegis of Insurance Information Bureau
(IIB) and the MIB concept would be extended to cover
all lines of business. The project was commissioned
by the Council with financial and infrastructural support
from IRDA. The creation of centralised data
warehousing, querying and reporting systems is a
major step in bridging the information gap prevailing
in the industry and in supporting macro level as well
as operational informational needs. The Bureau
should benefit the industry at large in times to come.
Legislative and Regulatory
II.6.27 The process of discussions with the

transporters was actively pursued with the aid of
statistics developed from the transactional level data
compiled by IRDA. Efforts were also made to impress
upon transporters to take a logical approach to pricing
of the third party liability portfolio. In this regard,
statistics related to road accident injuries and deaths
were analysed to explain the extent of potential claims
arising on their account. The impact of insurance
pricing on transport business economics was also put
in perspective to assuage the concerns of transport
bodies.
II.6.32 The Council provided its views in various matter

including the following:
The insurance Industrys comments /

observations were furnished to IRDA/Ministry on
(i) Bill on Amendments to Insurance Act, 1938,
and (ii) Bill on Amendments to Motor Vehicles
Act, 1988.
Writing Third Party risks on Quota Basis.
Public disclosures to be made by the non-life

insurance companies.
Future Role of the IIISLA.
Integrated Grievance Management System for

the industry.
The Council sought revision in policy wordings

regarding coverage of occupants in a private car
and pillion rider on a two wheeler, These
submissions were made to IRDA, to ensure clarity
in the coverage, following the orders of Delhi High
Court. The related revisions are also being sought
by the industry in the Third Party proposal form.
Administrative
II.6.33 The various administrative steps taken by the
General Insurance Council include the following:
Indian Motor Third Party Insurance Pool (IMTPIP)

II.6.28 A reduction was obtained in the Pool
Administrators fees to 1.25 per cent of the Pool
Premium resulting in savings of `35 crore to the
industry.
II.6.29 The proposal to permit retention of pool funds
with the respective insurance companies was
accepted by IRDA. This is expected to improve cash
flows, yield from investment income and financial
results of the industry participants.
Exemption to general insurance companies from

complying with the limits of expenses under
section 40C (1) of the Insurance Act, 1938 read
with Rule 17E of the Insurance Rules,1939 has
been sought.
Representation was made to IRDA on the

manner of calculation of Solvency Margin of nonlife insurers.
The IRDA has been requested to increase the

self survey limit from the existing `20,000 to
`2,00,000
The discretion to insurers for categorisation of

surveyors was requested and granted by IRDA.
Mechanisms to improve co-insurance

settlements have been initiated. However,
additional efforts are required to be made by the
insurance companies to increase the
effectiveness of this process.
Others
II.6.30 The project for sharing of data on losses over
`50 lakh in Fire, Engineering and Marine Portfolios
amongst the companies is under implementation.
II.6.31 In line with International best practices, the
general insurance market has adopted the revised
Institute Cargo Clauses (ICC) clauses in Marine
Insurance.
73
Dissemination of industry figures on Flash Gross

Direct Premium and Segment wise break-up of
the premium data has been initiated. This is
ensured by the 1st and 2nd week of every month
respectively, for the statistics pertaining to the
preceding month.
Industrys views on International Financial

Reporting Standards (IFRS) have been
represented and further discussions have taken
place with IRDA.
Others
Accounts and Taxation
II.6.35 Participation in various initiatives organised

by multi stakeholder industry forums.
II.6.34 The various initiatives taken during 2009-10

on matters relating to accounts and taxation of general
insurance companies included the following:
7. FUNCTIONING OF OMBUDSMEN
Issue of TDS on Reinsurance Premium was

taken up with the concerned authorities. These
efforts were supplemented by professional
advice from Ernst & Young.
Industrys Proposals for Union Budget 2011-12.
Industrys views on Direct Tax Code (DTC) were

presented of the officials of Ministry of Revenue.
Professional advice in the matter was taken from
Price Waterhouse Coopers.
Industrys views on Taxation of unrealised gains

in case of investments of insurance companies.
The Finance Bill, 2010 has clarified this issue,
which would result in tax savings of around
`200 crore.
Industrys views on Taxation of Capital gains

were represented. This was aided by professional
opinion and support provided by Ernst & Young.
II.7.1 During 2009-10, the twelve Ombudsmen centres

spread across India received a total of 16,064
complaints. While 8,967 complaints (56 per cent)
pertained to life insurers, the remaining 7,097 (44 per
cent) related to non-life insurers. This was in addition
to 1,395 complaints pending with various offices of
Ombudsmen as at the end of March 2009. With this,
the offices of Ombudsmen handled a total of 17,459
cases during 2009-10.
II.7.2 During 2009-10, Ombudsmen disposed of
15,190 complaints. Of these complaints, Ombudsmen
declared two-third of the complaints as
Non-Acceptable/Not-Entertainable.
Awards/
Recommendations were issued only for twenty-one
per cent of total complaints. Other than this, six per
cent of the complaints were withdrawn, while eight
per cent of the complaints were dismissed.
II.7.3 At the end of March 2010, 2,269 cases were
still pending with Ombudsmen for adjudication.
TABLE 70
DISPOSAL OF COMPLAINTS BY OMBUSDSMEN DURING 2009-10
Insurer
Complaints Complaints
o/s as received
on 31.3.2009
during
2009-10
Complaints
Total disposed
during
2009-10
LIFE
557
8967
9524
8636
NON-LIFE
838
7097
7935
6554
1395
16064
17459
15190
COMBINED
No. of complaints disposed

by way of
(I)
1209
(14.00)
1947
(29.71)
3156
(20.78)
(II)
481
(5.57)
470
(7.17)
951
(6.26)
Notes:
(I) Recommendations / Awards
(III) Dismissal
(II) Withdrawal / Settlement
(IV) Non-acceptance / Not-entertainable
Figures in brackets indicate percentages to the respective complaints disposed.
74
(III)
572
(6.62)
700
(10.68)
1272
(8.37)
Complaints
o/s as on
31.03.2010
(IV)
6374
(73.81)
3437
(52.44)
9811
(64.59)
888
1381
2269
PART III
STATUTORY AND DEVELOPMENTAL FUNCTIONS OF THE AUTHORITY
Section 14 of the Insurance Regulatory and
Development Authority Act, 1999 (IRDA Act) lays
down the duty of the Authority to regulate, promote
and ensure orderly growth of the insurance business
and reinsurance business. Sub-section (2) of the said
section lays down the powers and functions of the
Authority. Chapter III of the Annual Report covers the
activities of the Authority in 2009-10 while carrying
out its functions and exercising the powers conferred
on it.
company. The Authority also granted certificate of

registration to IndiaFirst Life Insurance Co. Ltd., to
underwrite life insurance business. With the
registration of these companies, the total number of
life insurers registered with the Authority has gone up
to 23. The number of general insurers too stood at 23
as on 31st March, 2010. In addition to the above, there
is one national reinsurer. The certificates of registration
issued earlier to all the existing life and non-life
insurance companies have been renewed in terms of
Section 3A of the Insurance Act, 1938.
1. Issue to the applicant a certificate of registration,

renew, modify, withdraw, suspend or cancel such
registration.
III.1.2 The Authority levied penalty on two general

insurance companies, one health insurance company
and two life insurance companies for non-compliance
with various regulatory stipulations during 2009-10.
These non-compliances pertained to provisions of
Sections 32B and 32C of the Insurance Act, 1938.
The General Insurance Corporation was penalised for
non-compliance with the Investment Regulations.
III.1.1 During 2009-10, the Authority granted certificate

of registration to SBI General Insurance Co. Ltd. to
underwrite general insurance business. Max Bupa
Health Insurance Co. Ltd. was granted certificate of
registration as a standalone health insurance
TABLE 71
PENALTY LEVIED ON INSURERS (1ST APRIL, 2009 TO 31ST MARCH, 2010)
Sl. No.
Name of the
Insurance Company
Amount of
Penalty (Date)
Brief particular of
the violation committed
HDFC Ergo General
`5 lakh
(24-06-2009)
Failure to comply with its rural sector obligations

under Section 32B during 2007-08.
Reliance General
`20 lakh
(23-07-2009)
Penalty charged under section 105B for violation of

IRDAs regulations and guidelines.
Apollo Munich Health
`10 lakh
(07-01-2010)
For non compliance to rural and social sector

obligations during 2008-09 under section 32B and 32C
Life Insurance
Corporation of India
`5 lakh
(07-01-2010)
Failure to comply with its obligations towards rural

sector under section 32B during 2008-09.
HDFC Standard Life
`5 lakh
(07-01-2010)
Failure to comply with its obligations towards rural

sector under section 32B during 2008-09.
6.
General Insurance
Corporation
`5 lakh
(01-02-2010)
Failure to comply with the investment regulations

under Section 104 during 2009-10.
75
2. Protection of the interests of policyholders in

matters concerning assigning of policy, nomination
by policyholders, insurable interest, settlement of
insurance claim, surrender value of policy and
other terms and conditions of contracts of
insurance.
4. Specifying the code of conduct for surveyors

and loss assessors
III.4.1 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,
2000. Regulation 15 elaborates on the code which,
inter alia, stipulates that a surveyor and loss assessor
shall behave ethically and with integrity in professional
pursuits, shall strive for objectivity in professional and
business judgment, act impartially when acting on
instructions from an insurer in relation to a
policyholders claim under a policy issued by that
insurer, conduct himself with courtesy and
consideration to all people with whom he comes into
contact during the course of his work, etc. The code
of conduct also states that a surveyor 1) shall not
accept or perform work which he is not competent to
undertake; 2) carry out his professional work with due
diligence, care and skill and with proper regard to
technical and professional practice; 3) at all times
maintain proper record of work done by him and
comply with all the relevant laws; 4) assist and
encourage his colleagues to obtain professional
qualifications, and in this behalf, provide free
articleship and/or practical training for a period of
twelve months; 5) maintain a register of survey work
as provided for; 6) disclose to all parties concerning
his appointment where the acceptance or continuance
of such an engagement may materially prejudice, or
could be seen to materially affect the interests of any
interested party; 7) not disclose any information
pertaining to a client or employer or policyholder
acquired in the course of his professional work to any
third party without the necessary consent; and 8)
cannot use or appear to use any confidential
information acquired or received by him in the course
of his professional work, to his personal advantage or
to the advantage of a third party.
III.2.1 IRDA has brought out regulations providing for

various dos and donts for insurers and intermediaries
at the point of sale, point of claim, etc. Timeframes
have been set for servicing policyholders under the
Regulations. Further, the Regulations mandate
insurers to have in place an effective mechanism for
redressal of policyholder grievances. IRDA has set
up a Grievances Cell for policyholders of life and
non-life insurance companies and a separate channel
for senior citizens for expressing their grievances with
regard to health insurance policies. Apart from playing
a facilitative role in helping policyholders getting their
grievances redressed by insurers within the stipulated
time, IRDA examines on a continuous basis the
underlying issues that cause grievances and works
towards rectifying the systemic issues involved.
3. Specifying requisite qualifications, code of
conduct and practical training for intermediaries
or insurance intermediaries and agents
III.3.1 The licensing and code of conduct for all the
intermediaries in the insurance business are specified
clearly in the regulations framed under the IRDA Act,
1999 vide Insurance Surveyors and Loss Assessors
(Licensing, professional requirements and code of
conduct) Regulations, 2000, IRDA (Insurance Brokers)
Regulations, 2002, IRDA (Licensing of Insurance
Agents) Regulations, 2000 and IRDA (Licensing of
Corporate Agents) Regulations, 2002.
III.3.2 During 2009-10, the Authority issued guidelines
on qualifications of corporate insurance executives
and Faculty of Agents training Institutes.
III.4.2 The IRDA, as mandated by the Government of

India, has established the Indian Institute of Insurance
Surveyors and Loss Assessors (IIISLA) to promote
professionalism amongst surveyors as part of further
reforms in the insurance sector.
III.3.3 The Authority has issued directions on agents/

corporate agents; sharing of Database for Distribution
of Insurance Products; streamlining the procedure for
transfer of corporate agents from one insurer to
another insurer; inspection of corporate agents by
insurers; and on pre-recruitment examination for
insurance agents.
III.4.3 With a view to streamlining the process of

working of surveyors and loss Assessors, the Authority
has proposed to make further amendments to the
76
existing Regulations, Circulars and Notices stipulating

as under:
Mandatory training and examination of surveyors

for up-gradation to be conducted by IIISLA;
Trainee Surveyors are to be trained by those

SLAs who are Fellow/Associate member of the
Institute and enrolment of trainee surveyors by
IRDA to be subject to submission of Certificate
from trainer surveyor duly validated by IIISLA;
Categorisation to be replaced by three tier system

of membership (Licentiate, Associate and Fellow).
payee cheques as stipulated under the AML/CFT

Guidelines issued by the Authority. Through these
directions, the Authority has expanded the mode of
payments permitted to the insurance companies which
till July 2009 was limited to account payee cheques.
III.5.4 Investment Risk Management Systems &
Processes: Effective September, 2009, all insurers
having Assets Under Management (AUM) i.e.,
shareholders and policyholders funds taken together,
of not more than `1,000 crore are required to have
their transactions and related systems internally
audited on a quarterly basis and if the AUM are equal
or more than `1,000 crore, the insurers are required
to have the Investment transactions concurrently
audited.
III.4.4 Further, the Authority is actively considering

mandatory membership as a pre-condition for
licensing of Member Surveyors. Another proposal
under consideration is the revision in IIISLA admission
and membership fees. In addition, the Authority is also
considering allowing the insured to exercise the option
to appoint/depute surveyors to assess losses.
III.5.5 Applicant companies while filing for registration

effective August, 2009, are required to furnish details
of the level of preparedness of the applicant company
to comply with the requirements stipulated on
Investment Risk Management Systems and
Processes. Existing insurers are also required to
have their systems and processes audited at least
once in three years for such compliance.
5. Promoting efficiency in the conduct of insurance

business
III.5.1 The Authority has directed insurance
companies to have proper systems in place to improve
efficiency in conducting the insurance business and
in this regard it has issued various circulars and
guidelines during 2009-10. The Authority has also
disseminated vital information required by the industry
for promoting efficiency in their operation. Further
initiatives in this direction included the following:
6. Promoting and regulating professional

organisations connected with insurance and
reinsurance business
III.6.1 The Life Insurance Council and the General
Insurance Council are the platforms available for the
healthy growth of the industry. Development of these
self regulatory bodies augurs well for the industry to
put across their viewpoints on critical areas for the
growth of the industry. In the same context, brokers
licensed by the Authority are necessarily required to
be members of the Insurance Brokers Association of
India (IBA).
III.5.2 Corporate Governance Guidelines: With a view

to bringing insurance companies at par with listed
entities, the Authority issued Corporate Governance
Guidelines for the insurance sector. All insurers were
directed to put in place systems to ensure that they
were compliant with the guidelines w.e.f.
1st April, 2010.
III.6.2 The Authority has also recognised the need to

have reliable, timely and accurate data for the efficient
functioning of the insurance companies and also in
the interest of the policyholders. To process the
available data and disseminate it for the benefit of the
various stakeholders, the Authority on 15th October,
2009, has constituted the Insurance Information
Bureau in the form of an Advisory Board to obtain,
process and disseminate the data of the insurers.
III.5.3 E-Payment Method: Recognising the utility of

electronic payments, which also ensures safety and
speed of such payments, the Authority decided to
permit payments to all policyholders and beneficiaries
through electronic payment methods such as
Electronic Clearing Services (ECS), National
Electronic Fund Transfer (NEFT) systems as approved
by the Reserve Bank of India, in addition to account
77
the products. For motor third party cover, which is a

statutory insurance cover required under the
provisions of Motor Vehicles Act, the Authority has
retained the powers to determine the rates, terms and
conditions. To ensure that the third party (also called
Liability Only Cover) is made available notably for
commercial vehicles, the Authority has constituted the
Indian Motor Third Party Insurance Pool for
commercial vehicles. The setting up of the Motor Pool
has ensured involvement of all insurers in the
underwriting and management of motor third party risk.
The pool is managed by the General Insurance
Corporation for a prescribed fee.
7. Levying fees and other charges for carrying out

the purposes of the Act
III.7.1 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 `50,000 is charged at the
time of granting of registration certificate and not
thereafter. The renewal of registration fees for
insurance companies stands at 1/10th of 1 per cent of
the gross direct business written in India or `50,000,
whichever is higher subject to a maximum of `5 Crore.
In case of the reinsurer, the fee is chargeable based
on the facultative business written by the reinsurer in
India. This follows amendment of regulation 20 of IRDA
(Registration of Indian Insurance Companies)
Regulations, 2000, issued in February 2003 after
obtaining the approval of Insurance Advisory
Committee. There has been no revision in these
charges post the amendments in February 2003.
III.9.2 Thus, except for Motor Third Party risks, in case

of other new insurances and renewals effective on or
after 1st January, 2007, respective insurers are free
to quote rates of premium in accordance with the rate
schedules and rating guidelines filed with the Authority.
Risks qualifying as large risks under paragraph 19 (v)
of the circular no. 021/IRDA/F&U/ Sep-06 dated
28th September, 2006 are to 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.
8. Calling for information from, undertaking

inspection of, conducting enquiries and
investigations including audit of the insurers,
intermediaries, insurance intermediaries and other
organisations connected with the insurance
business
III.9.3 Further, w.e.f., 1st January, 2009, the Authority

has permitted relaxations in the terms and conditions
of coverage of the erstwhile tariff classes of business
in fire, engineering, Industrial All Risk (IAR) and Motor
(Own Damage). In view of the relaxation, the Authority
has been receiving proposals for innovative covers in
the form of Add-On covers in the above said classes
of business. However, the insurers are not permitted
to abridge the scope of standard covers that were
available under the erstwhile tariffs beyond the options
stipulated in the erstwhile tariffs.
III.8.1 The financial year 2009-10 was the tenth year

of operations of insurance companies, post opening
up of the sector. While the Authority has been
contemplating commencement of comprehensive onsite inspection, it was considered that the registered
insurers should be allowed time to stabilise operations
prior to taking on full scale inspection. However, during
the first half of the year 2010-11, on-site inspection
targeted on critical issues in respect of four life insurers
and four non life insurers was undertaken.
10. Specifying the form and manner in which

books of accounts shall be maintained and
statements of accounts shall be rendered by
Insurers and other Insurance Intermediaries.
9. 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 64U of the
Insurance Act 1938 (4 of 1938)
III.10.1 The Authority has mandated a number of

measures to improve transparency and disclosures.
These stipulations include those which pertain to
additional disclosures in the financial statements and
those in the public domain. The disclosures in the
public domain include those on the respective
websites of insurance companies, and in the
newspapers on periodic basis. Additional disclosures
III.9.1 With detariffing of non-life industry w.e.f

1st January, 2007, for all classes of tariff business
except motor third party cover, the ball was set rolling
for freedom to the insurance companies in pricing of
78
Disclosures on Equity holding
have also been stipulated under the Corporate

Governance Guidelines. Briefly, the disclosure
requirements are indicated below.
III.10.5 The insurers are required to furnish information

about the pledge, encumbrance or any other charge
created on the equity holding of the insurance
company and of the promoters. These disclosures are
required to be filed with the Authority on quarterly
basis.
Disclosures on Corporate Governance:

III.10.2 All insurers are required to disclose the
following in their Annual Report, w.e.f., the financial
year 2010-11:
III.10.6 The IRDA has mandated the following

additional disclosures w.e.f. 2009-10:
Number of meetings held of the Board of

Directors and of the Committees mandated under
the guidelines, in the financial year.
Details of the composition of the Board of
Directors and Committees mandated, setting out
name, qualification, field of specialisation, status
of directorship held; etc.
Number of meetings attended by the Directors

and the members of the respective Committees.
Details of the remuneration paid, if any, to the

independent directors.
A separate statement showing the flow of funds

to the Controlled Fund has been mandated. This
format is required to form part of the annual
financial statement of a life insurance company.
A separate statement furnishing details of

remuneration paid whether by way of commission
or otherwise to any person, in cases where such
remuneration exceeds `1 lakh per annum. This
statement is required to be filed with the
Authority on an annual basis.
11. Regulating investment of funds by insurance

companies
Periodic Disclosures
III.10.3 The Authority has mandated disclosures to
be made by the insurers in the public domain on
quarterly, half yearly and annual basis w.e.f.,
1st April, 2010. The disclosures are required to be
made available on their respective websites in case
of quarterly disclosures and in newspapers in case of
half yearly and yearly disclosures. The periodic
disclosures not only cover the financial information
including solvency position, but also customers
grievance, geographical spread and key performance
ratios of the insurers.
III.11.1 The investment of funds by insurance

companies is regulated under the IRDA (Investment)
(Fourth Amendment) Regulations, 2008.
III.11.2 The Authority has realigned the definition of
Infrastructure facility with the definition given by RBI
thereby creating more room for the insurers to invest
in infrastructure sector. IRDA vide INV/MOF/LR/006/
2008-09 dated 22nd January, 2009 further relaxed the
ceiling of investments in Infrastructure to 20 per cent
as against the existing ceiling of 10 per cent. The limit
would be combined for both debt and equity taken
together without sub-ceilings in instruments satisfying
certain criteria.
Disclosures on Discontinued Policies

III.10.4 The IRDA (Treatment of Discontinued Linked
Insurance Policies) Regulations, 2010 mandates the
life insurers to make a separate presentation of Funds
for Discontinued Policies, classifying the
discontinuance (i) on account of non-payment of
premium; and (ii) others.
III.11.3 Further, IRDA in consultation with the Institute

of Chartered Accountants of India issued technical
guidelines on implementing systems and processes
to enable a consistent and clearly documented
process and procedure to handle large volume of
investments through a third party certification model
using Chartered Accountant firms.
79
PRMAN Reinsurance Brokers Pvt. Ltd vs The

Oriental Insurance Co Ltd
III.11.4 Also, IRDA issued guidelines on the scope

for Internal and Concurrent Audit for investment
operations of insurance companies to monitor
investments of both Traditional and Unit Linked
portfolio, at a closer level with the aim of
mitigating systemic risk. Further IRDA vide
INV/CIR/023/2009-10 dated 4th August, 2009 issued
guidelines for Audit of Investment Risk Management
Systems & Process and Internal / Concurrent Audit.
A complaint was received from The Oriental Insurance

Co. Ltd. in respect of a claim involving a huge recovery
from Reinsurers M/s Contego Underwriting (formerly
known as Mayflower Engineering Consortium)London and M/s TSM Agencies Ltd. London. The
Authority granted both parties an opportunity of being
heard on 5th March, 2010. The matter is presently
under examination.
12. Regulating maintenance of margin of solvency
Megatop Insurance Broking Ltd vs Agriculture

Insurance Company of India Ltd.
III. 12.1 As per Section 64 VA of the Insurance

Act, 1938 every insurer is required to maintain a
required Solvency Margin. The Authority has
considered the need for reviewing the solvency margin
requirement for pure term products, so as to help the
insurers in launching more pure term products for
sufficiently longer periods and at affordable rates. The
Authority has reviewed the solvency margin
requirement for the linked business and proposed
some factors with respect to linked business in working
out the required solvency margin. These factors came
into effect from December 31, 2008 onwards. Further,
the life insurers were asked to submit scrip-wise details
of investments available for arriving at the available
solvency margin along with actuarial valuation reports
for the year ended 31st March 2009 onwards. There
have been no further amendments in the regulations
in 2009-10.
A complaint was received against Megatop Insurance

Broking Ltd., (MIBL) from Chairman-cum-Managing
Director, Agriculture Insurance Company of India Ltd.,
(AICIL), alleging gross irregularities of varying nature
by MIBL with regard to Weather Based Crop Insurance
Scheme. The Authority suspended the Licence of
MIBL and initiated enquiry proceedings against it. The
enquiry is presently in progress.
Key Insurance Brokers Pvt. Ltd vs The Oriental
Insurance Co Ltd.
A complaint was received against Key Insurance
Brokers Pvt. Ltd. from The Oriental Insurance Co. Ltd.
(OICL), alleging connivance of the broker in the
fraudulent claim of about `4 lakh reported under the
Standard Fire and Special Perils Policy of M/s Vaibhav
Packaging placed by the broker with OICL Branch
Office, Ghaziabad. The Authority after considering the
investigation report and the explanation furnished by
the broker, has issued a show cause notice to the
broker.
13. Adjudication of disputes between Insurers and

Intermediaries or Insurance Intermediaries
III.13.1 As per Regulation 41(2) of IRDA (Insurance
Brokers) Regulations, 2002, any disputes arising
between an insurance broker and an insurer or any
other person either in the course of his engagement
as an insurance broker or otherwise may be referred
to the Authority by the person so affected; and on
receipt of the complaint or representation, the Authority
may examine the complaint and if found necessary
proceed to conduct an enquiry or an inspection or an
investigation in terms of these regulations.
Strategic Insurance Broking Services Pvt Ltd vs

IFFCO Tokio General Insurance Co Ltd.
M/s Strategic Insurance Broking Services Pvt. Ltd.,
filed a complaint against IFFCO Tokio General
Insurance Company Ltd., with regard to payments of
brokerage commission in respect of extension of
Erection All Risks Insurance and EAR Advanced Loss
of Profits Insurance Policy issued in 2009 to Lanco
Amarkantak Power Private Limited. Since the dispute
was between the insurer and the broker, the Authority
advised the broking company to approach appropriate
legal forum for resolution of the dispute at their
III.13.2 The Authority in exercise of its power under

Regulation 41(2) adjudicated the following disputes
between the Insurers and Insurance Brokers:
80
discretion. The Authority has issued show cause

notice to the IFFCO Tokio General Insurance
Company Ltd, for violation of IRDA circular dated
15 th September, 2006 regarding guidelines on
placement of insurance and reinsurance risks.
sector insurers these obligations have been linked to

their performance in the year 2001-02 in these sectors.
With the amendments which were notified in
2007-08, the obligations of the private insurers upto
the tenth year of operations have been laid down.
Simultaneously, the obligations of the public sector
insurers have also been revisited. The obligations of
the private insurers are as under:
14. Supervising the functioning of the Tariff

Advisory Committee (TAC)
III.14.1 With the removal of tariffs effective
1st January, 2007, the role of TAC has been diluted.
The Insurance (Amendment) Bill 2009 vide Section
64 ULA (2) has proposed to dissolve the TAC. The
draft section proposed in the Amendment Bill is
indicated as under:
III.16.2 Rural sector
In respect of a life insurer: commencing from

seven per cent of the total policies written direct
in the first financial year to twenty per cent in the
tenth financial year.
Section 64 ULA (2): The Authority shall, in

consultation with the Central Government, prepare a
scheme for the existing employees of the Tariff
Advisory Committee on its dissolution, keeping in view
the interests of such employees on such terms and
conditions as it may, by Order determine.
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.
III.14.2 In the light of the above, the TAC employees

were offered Special Voluntary Retirement (SVR)
under two schemes namely Special Voluntary
Retirement Scheme (SVRS) 2009 and 2010. After
exercising the option, the current strength of TAC
stands at 85, comprising of 19 officers and 66 staff
members.
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.
III.16.3 Social sector:
In respect of the existing insurers as on the date of

commencement of IRDA Act, 1999 (four non-life
insurers and 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, 2002. Based on the amendment
regulations notified by the Authority, the obligations
of these insurers towards the rural and social sectors
for the financial year 2007-08 to the financial year
2009-10 are as under:
15. Specifying the percentage of the premium

income of the insurer to finance schemes for
promoting and regulating professional
organisations referred to in clause(6)
III.15.1 The Authority has not prescribed any
percentage of the premium income of the insurer to
finance schemes for promoting and regulating
professional organisations referred to in clause (6).
III.16.4 Life Insurance Corporation of India (LIC)

(a) Rural Sector Obligations
16. Specifying the percentage of life insurance

business and general insurance business to be
undertaken by the Insurers in the rural and social
sector
III.16.1 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
81
(i)
Financial year 2007-08: twenty four per cent.
(ii)
Financial years 2008-09 and 2009-10: twenty five

per cent of the total policies written direct in that
year.
(b) Social Sector Obligations
III.16.7 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.
Twenty lakh lives should be covered for the years

2007-08 to 2009-10.
III.16.5 Non life insurers
(i) Financial year 2007-08: six per cent.
(ii) Financial year 2008-09 and 2009-10: seven per
cent of the total gross premium income written direct
in that year.
For the financial year 2007-08
the average of the number of lives covered by

the respective insurer in the social sector from
the financial years 2002-03 to 2004-05 or
5.50 lakh lives whichever is higher.
17. Exercising such other powers as may be

prescribed
III.16.6 The obligations of the insurers shall undergo

an increase of ten per cent in each of the financial
years 2008-09 and 2009-10, over the number of
persons actually covered in the financial year
2007-08.
III.17.1 The Central Government did not prescribe

any powers to the Authority and consequently
Authority did not exercise any powers.
82
PART IV
ORGANISATIONAL MATTERS
1. Organisation
IV.3.2 The Authority, in conjunction with Government

of Andhra Pradesh, has set up Institute of Insurance
and Risk Management (IIRM) at Hyderabad in 2002.
The functioning of IIRM is overseen by the Board of
Directors headed by the Chairman, IRDA.
IV.1.1 During the year, IRDA forged ahead towards

the tasks before it under the guidance and
chairmanship of Shri J. Hari Narayan. The year saw
Shri C.R.Muralidharan, Member (F&I), demit office
after completion of his tenure on 3rd November, 2009.
In his place, Shri R.K.Nair joined the Authority as
Member (F&I) on 18th March, 2010. Prior to joining
the Authority as Member, Shri R.K.Nair was serving
as Executive Director in the Securities and Exchange
Board of India (SEBI). Shri K.K.Srinivasan, Shri
G.Prabhakara and Dr. R.Kannan continued as whole
time Members of IRDA during the year.
4. Promotion of Official Language

IV.4.1 A separate Official Language Implementation
Department has been set-up and is functioning in
IRDA to ensure implementation of the constitutional
provisions of Official Language; to implement the
Official Language Policy of the Government of India;
and to promote use of Hindi in the Headquarters as
well as in the subordinate offices. All efforts are being
made to promote use of Hindi in the official work.
Progress made in the use of Hindi was reviewed
periodically and necessary measures were adopted
to achieve the targets fixed for various items under
the Annual Programme for the year 2009-10 issued
by the Department of Official Language. IRDA
publishes a monthly Journal, which also contains a
Hindi Section. All Notifications issued by IRDA are in
bi-lingual form.
IV.1.2 Shri Amarjit Chopra, President, Institute of

Chartered Accountants of India, became part-time
Member with effect from 6 th February, 2010.
Shri Vijay Mahajan, Chairman, BASIX Group and
Smt. Ela R.Bhatt, Founder of Self Employed Womens
Association (SEWA) continued to be part-time
Members of IRDA. Smt. L.M.Vas, Additional Secretary,
Ministry of Finance joined the Authority as part-time
Member on 5th October, 2009.
IV.1.3 Shri Uttam Prakash Agarwal was part-time
Member from 6th February, 2009 to 5th February, 2010.
Shri Rahul Khullar, Secretary (Disinvestment), Ministry
of Finance, Government of India, was part-time
Member of IRDA from 20th February, 2009 to 4th
October, 2009.
5. Research & Development

IV.5.1 To capture the trends in various business
operations of the insurance companies, Research &
Development Department brought out the Handbook
on Indian Insurance Statistics in 2007-08, which was
found to be of great help to various stakeholders in
the industry. In view of usefulness of the Handbook,
the department came out with its second edition by
extending time-series data upto 2008-09. While
carrying forward the improvements in the Handbook,
suggestions received based on valuable feedback
from readers and users were also incorporated. The
Department is working on the feasibility of adding new
time-series data in its 3rd edition, which is likely to be
released in January 2011. The Department is also
attempting to prepare a glossary of technical terms,
which could be included in appropriate publications
in due course. This will help users to be conceptually
sound while analysing and interpreting the data. The
department conducted a meeting with Central
Statistical Organisation (CSO) to discuss related
2. Meetings of the Authority

IV.2.1 Five meetings of the Authority were held during
the financial year 2009-10. IRDA also held one
meeting of the Insurance Advisory Committee (IAC)
during the year under review.
3. Human Resources
IV.3.1 To take care of the human resources
requirement of the Authority, recruitment was
undertaken at the levels of Deputy Director and Joint
Director. One Joint Director and seven Deputy
Directors were recruited during the year.
83
issues on the estimation procedure for compilation of

GDP emanating from insurance sector. Many issues
related to conceptual differences and gaps were also
discussed in the meeting. The Department is also
involved in the development of a service price index
for the insurance sector under a sub-committee, set
up by the Ministry of Statistics & Programme
Implementation. R&D Department actively participated
in various conferences/seminars and presented
papers on insurance related topics.
6. Status of Information Technology in IRDA
IV.6.1 The Authority has been constantly exploring
the possibility of use of Information Technology in the
key areas of its functioning in order to ensure that
quality time of the professionals is spent for analysing
the information submitted by the insurers and
intermediaries. A number of IT projects have been
initiated within IRDA during 2009-10 towards achieving
these objectives. These projects include automation
of Data Collection and Business Analytics Project,
revamping of Agency Licensing Process integrating
all stakeholders, Integrated Grievances Management
System, Vehicle Insurance Status SMS System, etc.
The projects are at various stages of implementation.
The features of these initiatives are briefly given below.
Agency Licencing Portal to be entry point in the

licensing process with registration for training.
Direct registration with IRDA portal for applying

for an agent licence without getting approval from
an Insurer. Applicants can sponsor themselves
for Training and Examination (This module is
complete and would be rolled out in due course).
Data corrections can be directly made by

Designated Persons of the insurers who are
responsible for issuing the licences.
Public access to search for agents in a locality.

Client desirous of having insurance cover can
search for agent(s) in his/her locality.
Public access to view Cancelled Licences to

create awareness about persons whose agency
licence has been cancelled.
IV.6.5 The scope of the on-going Business Analytics

Project was further enhanced to include additional four
departments namely Life, Intermediaries, Inspection
and Non-life departments. The enhanced scope
includes identification of information requirements for
Market Development and Market Conduct for all the
departments of IRDA covered under the project. As a
part of enhancement, the development of Proof of
Concept (POC) has also been included for
establishing an element of comfort and confidence
before implementing the full-scale IT solution. The
analytical work relating to the project has already been
completed and the tendering process for the selection
of implementing agency has since been initiated.
IV.6.3 The development exercise commenced in

August 2009 after receiving feedback from various
stakeholders. Users from insurance companies have
participated in the User Acceptance Test. Prior to
operationalising the portal, the Authority also
conducted a workshop, to familiarise the various
stakeholders with the portal. The new licensing
portal was successfully operationalised from
5th January, 2010. The salient features of the new
agency licensing system are:
Business Analytics Solution
IV.6.2 The new licensing portal integrates the various

stakeholders namely insurers, agent-training
institutes, examination bodies and the insurers in order
to have a better control on the licensing process.
Integration with all stakeholders (viz, IRDA,

Insurers, Agent Training Institutes, Examination
Bodies and Insurance Agents) through Unique
Roll Number as a common identification number.
Unique Reference Number to be generated and

used throughout agent licensing process.
IV.6.4 A separate help desk has also been set-up by

the Authority to respond to queries of users of the
portal spread all over the country. Based on the
feedback of the stakeholders, continuous
improvements are being made in the portal.
Revamping of new Agency Licensing Portal
Implementation of ERP System

IV.6.6 The activities in the Administration department
are mostly done manually and also to some extent
with the help of office tools. The overall level of
computerisation in the department is low and the data
lies scattered at different desks across manual,
computerised and semi-computerised systems. A
robust ERP solution has been identified as an effective
84
mechanism to address these challenges and provide

improved business processes.
The Call Center has been made operational from

20th July, 2010.
IV.6.7 The proposed ERP would facilitate in achieving

the following objectives:
Design and Development of Vehicle Insurance

Status SMS System (VISSS)
Implement appropriate packages to meet the

requirements of the department
Interface the divisions of the Administration

department for easy accessibility of data and to
avoid the data redundancy
Establish an integrated ERP system through use

of the most effective technologies
Improve efficiency of the department
Automate day-to-day functional operations using

work flows and electronic approval processes
Establish a self-service portal for the staff for

submission of bills, reimbursements, etc.
Instant and easy availability of insurance status

of the vehicle.
IV.6.8 The proposed system is expected to provide

customised workflow solution resulting in minimisation
of the workload; provide up-to-date information to
smoothen the functioning of the divisions; and
enhance reporting (status reports) to provide better
control and monitoring.
Providing the authorities with additional proof of

non-insurance for taking action against uninsured
vehicles.
Discourage use of forged policy documents.
Bringing more vehicles into the insurance net.
Real time availability of micro figures of motor

insurance with the Authority, which can be used
for other regulatory purposes.
IV.6.10 The proposed system will provide an additional

facility to the police authorities to verify the insurance
status of a vehicle. VISSS will also provide insurers
with a facility to locate uninsured vehicles and to bring
them into the insurance net thereby increasing the
premium income of the insurance companies and
bringing down the claims ratio. It is also envisaged
that the system will collect up-to-date information from
all the insurers at a central place and disseminate
information to all stakeholders instantly. The objectives
of the proposed system are briefly stated below:
Setting up of Insurance Grievance Call Center

(IGCC)
IV.6.9 In order to ensure that policyholder grievances
are addressed in an efficient / faster manner and
provide a qualitative grievances redressal experience
across the country, IRDA has set up the Insurance
Grievance Call Center. The salient features of the
system include the following:
Establish IGCC with inbound, outbound and back

office capabilities to achieve its objectives and
to meet the long-term vision of IRDA.
Set up Nationwide Consumer Service help line

supported by back office activity.
To provide a single window system to

policyholders to lodge their complaints with their
respective insurers.
IV.6.11 The exposure draft on the VISSS has been

hosted on the IRDA website seeking comments from
the stakeholders.
Integrated Grievances Management System (IGMS)
IV.6.12 In order to improve the current grievance
redressal procedure in the insurance sector, IRDA has
initiated steps to put in place the Integrated Grievances
Management System (IGMS). The proposed IGMS
would enable the Authority to achieve the following
objectives:
To facilitate policyholder in escalating the

complaints to IRDA.
85
Ensuring fair treatment to policyholders and

protecting their interests.
Ensuring speedy settlement of genuine claims.
Putting in place, effective grievance redressal

machinery.
IV.6.13 The proposed solutions framework has the

ability to provide centralised and online access to the
policyholder. In addition, IRDA would have complete
access and control for monitoring the grievance
redressal procedure. The salient features of the
proposed system are as follows:
Set up industry wide uniform standards for

grievance redressal mechanism.
Creation of central repository of complaints of the

insurers on a near real-time basis for effective
monitoring.
Generate MIS reports on all aspects of grievance

redressal.
Provide advice to policyholders on escalating

their complaints to the Ombudsmen.
Provide a simple, easy to use platform to

policyholders to lodge complaints against brokers
and insurers.
provided in the Journal. The Journal has also added

further to the list of contributors in the form of articles,
research papers etc., and this has enabled the Journal
to be a good source of varied opinion both domestic
as well as international. The demand for the hard copy
of the Journal has been growing perennially, thereby
indicating the growing interest of various stakeholders
as also endorsing the fact that it is serving its purpose.
The web copy of the Journal continues to be the
source for an increasing number of readers.
IV.8.2 During the year 2009-10, several contemporary
topics have been covered under issue focus. The
various topics which were covered as issue focus
during the period were: Rural and Social Commitments
of Insurers; Insurance Marketing; Accident Insurance;
Risk Based Capital in the Insurance Industry; Best
Practices in Insurance; Innovations and Developments
in the Liberalised Regime; Asymmetry of Information
in Insurance; Data Warehousing and Mining; Training
in Insurance; and Role of Underwriting in Insurance.
A trend that had been observed during the year was
that there had been an encore of some important
issues; and accordingly the Editorial Board had to
revisit some of the important areas of focus.
IV.6.14 The Authority has finalised the implementing

agency for the proposed Integrated Grievances
Management System and the new system is expected
to be rolled out soon.
9. Acknowledgements
7. Accounts
IV.9.1 The IRDA would like to place on record its

appreciation and sincere thanks to the Members of
the Insurance Advisory Committee, the Reinsurance
Advisory Committee, Department of Financial
Services (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 IRDA
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 including the International Association of
Insurance Supervision (IAIS) for their valuable
contribution from time to time.
IV.7.1 The Accounts of the Authority for 2009-10 have

been audited by the Comptroller and Auditor General
of India (C&AG). Pursuant to the provisions of Section
17 of IRDA Act, 1999, the Audited accounts along with
the Audit Report have been forwarded to the
Government of India to be placed in both Houses of
Parliament. A copy of the accounts for 2009-10 is
placed at Annex 10.
8.
IRDA Journal
IV.8.1 The November 2009 issue of IRDA Journal,

the monthly publication of the Authority, marked the
completion of seven years; and the Journal continues
to be recognised for the quality inputs on various
issues associated with the industry. The Journal has
further consolidated itself during this period by
including more statistical information both at monthly
and at quarterly intervals. The statistical supplements
have been well-received by the various stakeholders;
and the players especially have expressed
appreciation on the utility of the statistical information
86
STATEMENTS
87
88

STATEMENT 1
INTERNATIONAL COMPARISON OF INSURANCE PENETRATION*

(In Per Cent)
Total
2009**
Life
Non-Life
Total
Australia
6.4
3.4
3.0
7.3
4.4
2.9
Brazil
3.1
1.6
1.5
3.0
1.4
1.6
France
10.3
7.2
3.1
9.2
6.2
3.0
Germany
7.0
3.3
3.7
6.6
3.0
3.5
Russia
2.5
0.0
2.5
2.3
0.0
2.3
South Africa
12.9
10.0
2.9
15.3
12.5
2.9
Switzerland
9.8
5.4
4.5
9.9
5.5
4.4
12.9
10.0
3.0
15.7
12.8
2.9
8.0
3.5
4.5
8.7
4.1
4.6
Bangladesh
0.9
0.7
0.2
0.9
0.7
0.2
Hong Kong
11.0
9.6
1.4
11.2
9.9
1.3
India#
5.2
4.6
0.6
4.6
4.0
0.6
Japan
9.9
7.8
2.1
9.8
7.6
2.2
Malaysia
4.4
2.9
1.6
4.3
2.8
1.5
Pakistan
0.7
0.3
0.4
0.8
0.3
0.4
PR China
3.4
2.3
1.1
3.3
2.2
1.0
Singapore
6.8
5.1
1.7
7.8
6.3
1.6
10.4
6.5
3.9
11.8
8.0
3.7
1.4
0.6
0.9
1.4
0.6
0.9
16.8
13.8
3.0
16.2
13.3
2.9
Thailand
4.0
2.4
1.6
3.3
1.8
1.5
World
7.0
4.0
3.0
7.1
4.1
2.9
Countries
United Kingdom
United States
2008**
Life
Non-Life
Asian Countries
South Korea
Sri Lanka
Taiwan
Source: Swiss Re, Sigma Volumes 2/2010 and 3/2009.

* Insurance penetration is measured as ratio of premium (in US Dollars) to GDP (in US Dollars)
** Data pertains to the calender year 2009 and 2008.
# Data relates to financial year 2009-10 and 2008-09.
89

STATEMENT 2
INTERNATIONAL COMPARISON OF INSURANCE DENSITY*

(In US Dollar)
Total
2009**
Life
Non-Life
Total
2832.7
1524.8
1307.9
3386.5
2038
1348.6
Brazil
251.7
127.9
123.8
244.5
115.4
129.1
France
4269.1
2979.8
1289.4
4131
2791.9
1339.2
Germany
2878.4
1359.7
1518.7
2919.2
1346.5
1572.7
Russia
280.9
4.5
276.4
273.5
5.4
268.1
South Africa
738.1
574.2
163.9
870.6
707.0
163.6
Switzerland
6257.6
3405.6
2852.1
6379.4
3551.5
2827.9
United Kingdom
4578.8
3527.6
1051.2
6857.8
5582.1
1275.7
United States
3710.0
1602.6
2107.3
4078.0
1900.6
2177.4
Bangladesh
5.2
3.9
1.3
4.4
3.3
1.1
Hong Kong
3304.0
2886.6
417.5
3310.3
2929.6
380.8
India#
54.3
47.7
6.7
47.4
41.2
6.2
Japan
3979.0
3138.7
840.4
3698.6
2869.5
829.2
Malaysia
321.8
206.9
115.0
345.4
225.9
119.5
Pakistan
6.6
3.0
3.6
6.8
2.8
4.0
PR China
121.2
81.1
40.0
105.4
71.7
33.7
Singapore
2557.6
1912.0
645.6
3179.0
2549.0
630.0
South Korea
1890.3
1180.6
709.7
1968.7
1347.7
621.0
29.5
11.8
17.7
32.1
12.8
19.3
2752.1
2257.3
494.8
2787.6
2281.1
499.6
Thailand
154.4
91.7
62.7
142.1
77.2
64.9
World
595.1
341.2
253.9
633.9
369.7
264.2
Countries
Australia
2008**
Life
Non-Life
Asian Countries
Sri Lanka
Taiwan
Source: Swiss Re, Sigma Volumes 2/2010 and 3/2009.

* Insurance density is measured as ratio of premium (in US Dollar) to total population.
** Data pertains to the calender year 2009 and 2008.
# Data relates to financial year 2009-10 and 2008-09.
90
91
Note:
TOTAL
19588.77
(101.93)
4.19
32.78
28.11
113.33
7.58
21.14
14.69
7.14
38.80
0.48
0.28
268.51
(4061.70)
19857.28
(104.56)
2001-02
15976.76
(-18.44)
17.66
129.31
129.57
364.11
35.21
59.77
71.88
63.39
67.31
7.70
6.32
13.47
965.69
(259.65)
16942.45
(-14.68)
2002-03
17347.62
(8.58)
72.10
209.33
449.86
750.84
125.51
181.59
207.05
179.55
137.28
23.41
27.21
76.96
2440.71
(152.74)
19788.33
(16.80)
2003-04
20653.06
(19.05)
282.42
486.15
621.31
1584.34
373.99
297.55
484.85
857.45
233.63
57.52
91.33
192.29
1.74
5564.57
(127.99)
26217.64
(32.49)
2004-05
2005-06
28515.87
(38.07)
283.98
1042.65
678.12
2602.50
396.06
464.53
827.82
2716.77
471.36
148.53
193.56
407.12
26.34
10.33
10269.67
(84.55)
38785.54
(47.94)
1) Figures in the bracket represent the growth over the previous year in per cent.
2) indicates business not started.
9707.43
0.002
0.32
5.97
0.16
6.45
9700.98
LIC
ING Vysya
HDFC Standard
Birla Sun Life
ICICI Prudential
Kotak Mahindra
TATA AIG
SBI Life
Bajaj Allianz
Max New York
MetLife
Reliance
Aviva
Sahara
Shriram
Bharti AXA
Future Generali
IDBI Federal
Canara HSBC
Aegon Religare
DLF Pramerica
Star Union Dai-ichi
IndiaFirst
PRIVATE SECTOR
2000-01
INSURER
56223.56
(97.17)
467.66
1648.85
882.72
5162.13
614.94
644.82
2563.84
4302.74
912.11
340.44
932.11
721.35
43.00
181.17
7.78
19425.65
(88.84)
75649.21
(94.96)
2006-07
59996.57
(6.71)
704.44
2685.37
1965.01
8034.75
1106.62
964.51
4792.82
6674.48
1597.83
825.35
2751.05
1053.98
122.12
309.99
113.24
2.49
11.90
33715.95
(73.56)
93712.52
(23.88)
2007-08
FIRST YEAR (INCLUDING SINGLE PREMIUM) LIFE INSURANCE PREMIUM

2009-10
53179.08 71521.90
(-11.36)
(34.49)
688.95
642.43
2651.11
3257.51
2820.85
2960.01
6811.83
6334.03
1343.03
1333.98
1142.67
1322.01
5386.64
7040.74
4491.43
4451.10
1842.91
1849.08
1144.70
1061.85
3513.98
3920.78
724.56
798.37
134.01
124.83
314.47
419.50
292.93
437.43
149.97
486.08
316.78
400.56
296.41
622.62
31.21
37.38
3.37
150.37
50.19
519.87
201.59
34152.00 38372.12
(1.29)
(12.36)
87331.08 109894.02
(-6.81)
(25.84)
2008-09
(` Crore)
STATEMENT 3
92
Note:
TOTAL
49821.91
(42.79)
4.19
33.46
28.26
116.38
7.58
21.14
14.69
7.14
38.95
0.48
0.28
272.55
(4124.31)
50094.46
(43.54)
2001-02
54628.49
(9.65)
21.16
148.83
143.92
417.62
40.32
81.21
72.39
69.17
96.59
7.91
6.47
13.47
1119.06
(310.59)
55747.55
(11.28)
2002-03
63533.43
(16.30)
88.51
297.76
537.54
989.28
150.72
253.53
225.67
220.80
215.25
28.73
31.06
81.50
3120.33
(178.83)
66653.75
(19.56)
2003-04
2005-06
2006-07
2007-08
2008-09
2009-10
(` Crore)
STATEMENT 4
75127.29 90792.22 127822.84 149789.99 157288.04 186077.31

(18.25)
(20.85)
(40.79)
(17.19)
(5.01)
(18.30)
338.86
425.38
707.20
1158.87
1442.28
1642.65
686.63
1569.91
2855.87
4858.56
5564.69
7005.10
915.47
1259.68
1766.17
3272.19
4571.80
5505.66
2363.82
4261.05
7912.99 13561.06 15356.22 16531.88
466.16
621.85
971.51
1691.14
2343.19
2868.05
497.04
880.19
1367.18
2046.35
2747.50
3493.78
601.18
1075.32
2928.49
5622.14
7212.10 10104.03
1001.68
3133.58
5345.25
9725.31 10624.52 11419.71
413.43
788.13
1500.28
2714.60
3857.26
4860.54
81.53
205.99
492.71
1159.54
1996.64
2536.01
106.55
224.21
1004.66
3225.44
4932.54
6604.90
253.42
600.27
1147.23
1891.88
1992.87
2378.01
1.74
27.66
51.00
143.49
206.47
250.59
10.33
184.17
358.05
436.17
611.27
7.78
118.41
360.41
669.73
2.49
152.60
541.51
11.90
318.97
571.12
296.41
842.45
3.37
165.65
31.21
38.44
50.19
530.37
201.60
7727.51 15083.54 28242.48 51561.42 64497.43 79373.06
(147.65)
(95.19)
(87.24)
(82.57)
(25.09)
(23.06)
82854.80 105875.76 156065.32 201351.41 221785.47 265450.37
(24.31)
(27.78)
(47.38)
(29.01)
(10.15)
(19.69)
2004-05
1) Figures in the brackets represent the growth over the previous year in per cent.
2) represents business not started.
34898.47
0.002
0.32
5.97
0.16
6.45
34892.02
LIC
ING Vysya
HDFC Standard
Birla Sun Life
ICICI Prudential
Kotak Mahindra
TATA AIG
SBI Life
Bajaj Allianz
Max New York
MetLife
Reliance
AVIVA
Sahara
Shriram
Bharti AXA
Future Generali
IDBI Federal
Canara HSBC
DLF Pramerica
Aegon Religare
Star Union Dai-ichi
IndiaFirst
Private Total
2000-01
INSURER
TOTAL LIFE INSURANCE PREMIUM
93
Note:
20511
(41.15)
101020
(42.17)
935342
(41.95)
102514
(57.35)
706354
(39.89)
0
(0.00)
7784
(39.95)
125637
(37.43)
661887
(69.65)
861286
(48.90)
29043
(30.01)
198309
(68.20)
148405
(46.35)
54.49
(36.25)
304.50
(41.04)
2167.75
(55.79)
235.16
(57.14)
1394.92
(61.00)
0.00
(0.00)
19.26
(51.58)
203.40
(44.77)
1252.55
(45.49)
2650.04
(50.83)
93.52
(23.35)
362.04
(57.16)
481.88
(43.31)
Policies Premium
Individual Agents
0
(0.00)
20026
(8.36)
27858
(1.25)
9716
(5.44)
63126
(3.56)
99856
(100.00)
0
(0.00)
0
(0.00)
260476
(27.41)
187001
(10.68)
54519
(56.34)
41465
(14.26)
27499
(8.59)
0.00
(0.00)
70.82
(9.54)
51.00
(1.31)
26.69
(6.49)
379.29
(16.59)
615.98
(100.00)
0.00
(0.00)
0.00
(0.00)
1398.79
(50.80)
1335.71
(25.62)
281.49
(70.29)
164.63
(25.99)
291.19
(26.17)
3055
(6.13)
6646
(2.77)
966291
(43.34)
7427
(4.15)
797886
(45.06)
0
(0.00)
4386
(22.51)
175763
(52.36)
1808
(0.19)
68734
(3.90)
26
(0.03)
23922
(8.23)
39434
(12.32)
9.86
(6.56)
4.22
(0.57)
802.35
(20.65)
21.34
(5.18)
248.82
(10.88)
0.00
(0.00)
6.61
(17.70)
201.16
(44.28)
50.46
(1.83)
327.74
(6.29)
0.07
(0.02)
47.96
(7.57)
106.33
(9.56)
Corporate Agents
Banks
Others*
Policies Premium Policies Premium
6507
(13.05)
29338
(12.25)
5975
(0.27)
31170
(17.44)
66551
(3.76)
0
(0.00)
35
(0.18)
267
(0.08)
671
(0.07)
122043
(6.93)
1192
(1.23)
3456
(1.189)
53871
(16.83)
17.30
(11.51)
31.92
(4.30)
10.28
(0.26)
56.15
(13.65)
132.96
(5.81)
0.00
(0.00)
0.06
(0.16)
0.51
(0.11)
2.01
0.07
444.01
(8.52)
3.63
(0.91)
6.02
(0.95)
142.29
(12.79)
Policies Premium
Brokers
19775
(39.67)
82513
(34.45)
294023
(13.19)
27923
(15.62)
136804
(7.73)
0
(0.00)
7279
(37.36)
34026
(10.14)
25418
2.67
522163
(29.65)
11984
(12.38)
23603
(8.12)
50964
(15.92)
150.31
(100.00)
742.02
(100.00)
3885.32
(100.00)
411.54
(100.00)
2286.74
(100.00)
615.98
(100.00)
37.35
(100.00)
454.31
(100.00)
2753.55
(100.00)
5213.55
(100.00)
400.45
(100.00)
633.33
(100.00)
1112.65
(100.00)
Policies Premium
Total Individual
68.67
49848
(45.69) (100.00)
330.56 239543
(44.55) (100.00)
853.94 2229489
(21.98) (100.00)
72.20 178750
(17.54) (100.00)
130.74 1770721
(5.72) (100.00)
0.00
99856
(0.00) (100.00)
11.41
19484
(30.56) (100.00)
49.24 335693
(10.84) (100.00)
49.74 950260
1.81 (100.00)
456.05 1761227
(8.75) (100.00)
21.74
96764
(5.43) (100.00)
52.69 290755
(8.32) (100.00)
90.96 320173
(8.18) (100.00)
Policies Premium
Direct Selling
1) Figures in brackets show percentage to total individual new business of each insurer procured through the respective channel
**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.
Kotak Mahindra
ING Vysya
IDBI Federal
ICICI Prudential
HDFC Standard
Future Generali
DLF Pramerica
Canara HSBC
Birla Sunlife
Bharti AXA
Bajaj Allianz
Aviva**
Aegon Religare
Insurer
(Premium in ` Crore)
INDIVIDUAL NEW BUSINESS PERFORMANCE OF LIFE INSURERS - CHANNEL WISE
12
(0.02)
82073
(34.26)
31545
(1.41)
0
(0.00)
30346
(1.71)
0
(0.00)
0
(0.00)
0
(0.00)
8406
0.88
454836
(25.82)
0
(0.00)
23603
(8.12)
4345
(1.36)
0.03
(0.02)
327.68
(44.16)
331.44
(8.53)
0.00
(0.00)
12.84
(0.56)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
9.58
0.35
252.57
(4.84)
0.00
(0.00)
52.69
(8.32)
8.76
(0.79)
Referrals
New Business
Policies Premium
(Policies in nos.)
STATEMENT 5
94
100.00
70756
(5.46)
37634
(100.00)
108192
(0.00)
(33.65)
455356
(0.00)
(0.00)
(42.08)
122772
(3.47)
33015
(50.67)
(98.06)
(97.75)
38084999 49280.77
(48.42)
(1.20)
465276
(11.28)
Note:
(79.61)
(3.92)
(0.00)
(7.53)
51913
(0.00)
(12.32)
17172
(2.32)
31352
(4.31)
3626
(44.07)
(0.71)
277279
(24.68)
(10.60)
(7.18)
8688.68 3819790
(1.64)
826.82
(24.88)
7861.86 3542511
100.00
201.59
(8.72)
98.99
(100.00)
490.40
(0.00)
0.00
(41.58)
1869.15
(0.00)
0.00
(0.00)
(4.28)
3510.76
(0.52)
262.94
(10.28)
3247.83
(0.00)
0.00
(7.16)
81.25
(0.00)
0.00
(9.07)
34.64
(2.48)
111.53
(3.83)
4.09
(23.13)
783.72
(3.03)
28.35
(21.45)
377.34
(0.83)
439396
(0.03)
11099
(2.98)
428297
(0.00)
(4.95)
34092
(0.00)
(0.71)
986
(1.39)
18797
(0.00)
(1.45)
33653
(2.54)
7419
(1.29)
12274
(0.00)
(8.08)
55693
(0.00)
(32.61)
45445
(0.05)
694
(0.00)
(18.98)
441449
(3.63)
10551
(2.55)
24251
(0.00)
(12.64)
(1.38)
(3.41)
1128.50 1814558
(0.09)
43.16
(3.44)
(100.00)
291737
(100.00)
951840
(100.00)
84033
(100.00)
(100.00)
70756
(100.00)
689196
(100.00)
108192
(100.00)
139359
(100.00)
(100.00)
201.59
(100.00)
1135.41
(100.00)
490.40
(100.00)
382.07
(100.00)
4495.26
(100.00)
106.84
(100.00)
(0.00)
(0.00)
(4.76)
5145
(31.18)
43435
(0.00)
13
(0.00)
(18.37)
427218
(30.51)
88998
(0.86)
8196
(100.00)
(100.00)
(100.00)
(100.00)
(0.06)
23908
(8.42)
(4.13)
(100.00)
(100.00)
(2.32)
3389.85 53195191 82007.05 1232079
(0.00)
0.00 38838653 50413.69
(10.73)
(3.13)
2567.61
(0.18)
88.77
(7.85)
2478.84
(0.00)
0.00
(0.00)
0.00
(3.22)
15.79
(30.73)
117.40
(0.00)
0.02
(0.00)
0.00
(27.87)
944.45
(41.85)
392.00
(0.77)
13.60
Referrals
New Business
Policies Premium
(Policies in nos.)
3389.85 14356538 31593.36 1208171
(0.00)
0.00
(1.69)
19.17
(0.00)
0.00
(30.99)
118.41
(0.01)
0.45 1353231
(0.00)
0.00
(28.82)
3388.52
(100.00)
936.70
(100.00)
1759.47
Policies Premium
Total Individual
976.40 2325631
(2.92)
27.33
(3.42)
60.15
Policies Premium
Direct Selling
1085.34 1814558
(0.00)
0.00
(7.07)
80.30
(0.00)
0.00
(0.63)
2.41
(1.26)
56.64
(0.00)
0.00
(1.93)
65.42
(1.85)
17.36
(0.91)
16.07
Policies Premium
Brokers
1) Figures in brackets show percentage to total individual new business of each insurer procured through the respective channel
**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.
(84.66)
(5.57)
16255
(31.72)
301914
0.00 1024901
(54.41)
509.65
(4.35)
76.51
Corporate Agents
Banks
Others*
Policies Premium Policies Premium
6951905 16008.48 1619267
0.00
(0.00)
(75.36)
(73.98)
(0.00)
855.70
(0.00)
(0.00)
509864
0.00
(59.31)
(54.36)
226.61
(54.67)
(62.59)
75756
2457.49
(96.17)
(95.69)
847032
102.75
80407
(46.13)
(35.50)
(37.80)
1562.98
(46.19)
825628
354.02
(69.87)
(60.98)
134740
1229.41
580386
Policies Premium
Individual Agents
Industry Total 45036904 65289.25 2084543
LIC #
Private Total
IndiaFirst
TATA AIG
Star Union Dai-ichi
Shriram
SBI Life
Sahara
Reliance Life
MetLife
Max New York
Insurer
INDIVIDUAL NEW BUSINESS PERFORMANCE OF LIFE INSURERS - CHANNEL WISE
Contd.... STATEMENT 5
95
35
(5.44)
0
(0.00)
0
(0.00)
0
(0.00)
66
(10.36)
ICICI Prudential
IDBI Federal
ING Vysya
Kotak Mahindra
Max New York
31546
(0.36)
0
(0.00)
0
(0.00)
0
(0.00)
13381
(0.65)
0
(0.00)
157
(0.01)
0
(0.00)
0
(0.00)
21068
(3.60)
0
(0.00)
750
(0.01)
3971
(0.20)
0
(0.00)
Lives
covered
2.63
(2.94)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
3.63
(0.32)
0.00
(0.00)
0.01
(0.03)
0.00
(0.00)
0.00
(0.00)
28.01
(4.17)
0.00
(0.00)
0.16
(0.03)
3.65
(6.48)
0.00
(0.00)
Premium
Individual Agents
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
4
(80.00)
3
(1.04)
0
(0.00)
4
(0.33)
1
(0.83)
0
(0.00)
Schemes
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
3863
(32.36)
1138
(0.19)
0
(0.00)
19894
(0.11)
476
(0.02)
0
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
6.52
(98.94)
1.40
(0.21)
0.00
(0.00)
37.62
(6.65)
0.15
(0.27)
0.00
(0.00)
12575
(0.62)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
4
(0.62)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
1
(0.35)
8
(100.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
14152
(0.69)
0
(0.00)
254
(0.01)
0
(0.00)
0
(0.00)
12105
(2.07)
31016
(100.00)
503 4460232
(42.02)
(24.38)
1
(0.83)
0
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
2.14
(0.19)
0.00
(0.00)
0.03
(0.10)
0.00
(0.00)
0.00
(0.00)
3.92
(0.58)
26.13
(100.00)
249.31
(44.06)
0.05
(0.09)
0.00
(0.00)
Corporate Agents
Banks
Others*
Lives Premium Schemes
Lives Premium
covered
covered
0
(0.00)
0
(0.00)
51890
(8.88)
0
(0.00)
89364
(0.49)
28132
(1.39)
0
(0.00)
Lives
covered
248
(38.93)
272
(48.40)
0
(0.00)
0
(0.00)
16
(2.49)
0
(0.00)
110145
(1.26)
480344
(47.98)
665
(9.34)
0
(0.00)
10586
(0.51)
0
(0.00)
62 2779871
(55.36)
(95.26)
0
(0.00)
0
(0.00)
42
(14.58)
0
(0.00)
46
(3.84)
38
(31.40)
0
(0.00)
Schemes
Brokers
4.30
(4.80)
46.87
(21.17)
0.04
(0.48)
0.00
(0.00)
24.11
(2.15)
0.00
(0.00)
13.02
(41.00)
0.00
(0.00)
0.00
(0.00)
12.13
(1.81)
0.00
(0.00)
1.64
(0.29)
5.66
(10.04)
0.00
(0.00)
Premium
7632
(100.00)
Lives
covered
393562
(100.00)
137954
(4.73)
7500.00
(100.00)
8073.00
(67.64)
498318
(85.25)
0
(0.00)
520848
(52.02)
6458
(90.66)
41442
(100.00)
323 8615544
(50.71)
(98.38)
290
(51.60)
0
(0.00)
5
(100.00)
588 2026525
(91.45)
(98.15)
262
(100.00)
49
(43.75)
1.00
(100.00)
1.00
(20.00)
222
(77.08)
0
(0.00)
599 13722206
(50.04)
(75.02)
82.67
(92.27)
174.47
(78.83)
9.06
(99.52)
0.11
(100.00)
1090.88
(97.33)
503.95
(100.00)
18.70
(58.88)
0.01
(100.00)
0.07
(1.06)
626.28
(93.23)
0.00
0.00
277.06
(48.97)
46.84
(83.11)
0.06
(100.00)
Premium
Direct Selling
76 1973882
(62.81)
(97.76)
3
(100.00)
Schemes
Note: 1) Figures in brackets show percentage to total group new business of each insurer procured through the respective channel.
* Any entity other than banks but licenced as a corporate agent.
0
(0.00)
0
(0.00)
Canara HSBC
HDFC Standard
20
(6.94)
Birla Sun Life
1
(0.89)
0
(0.00)
Bharti AXA
Future Generali
45
(3.76)
Bajaj Allianz
0
(0.00)
5
(4.13)
Aviva
DLF Pramerica
0
(0.00)
Schemes
Aegon Religare
Insurer
GROUP NEW BUSINESS PERFORMANCE OF LIFE INSURERS - CHANNEL WISE
7632
(100.00)
Lives
covered
7500
(100.00)
11936
(100.00)
584519
(100.00)
31016
(100.00)
393562
(100.00)
503.95
(100.00)
31.76
(100.00)
0.01
(100.00)
6.59
(100.00)
671.74
(100.00)
26.13
(100.00)
565.79
(100.00)
56.36
(100.00)
0.06
(100.00)
Premium
7123
(100.00)
41442
(100.00)
637 8757235
(100.00) (100.00)
562 1001192
(100.00) (100.00)
0
(0.00)
5
(100.00)
89.60
(100.00)
221.34
(100.00)
9.10
(100.00)
0.11
(100.00)
643 2064644 1120.76

(100.00) (100.00) (100.00)
262
(100.00)
112 2918236
(100.00) (100.00)
1
(100.00)
5
(100.00)
288
(100.00)
8
(100.00)
1197 18292446
(100.00) (100.00)
121 2019036
(100.00) (100.00)
3
(100.00)
Schemes
Total Group New Business
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
1
(0.08)
9
(7.44)
0
(0.00)
Schemes
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
216
(0.04)
0
(0.00)
13
(0.00)
44479
(2.20)
0
(0.00)
Lives
covered
Referrals
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.04
(0.01)
0.00
(0.00)
0.00
(0.00)
2.77
(4.91)
0.00
(0.00)
Premium
(Schemes and lives in nos.)
STATEMENT 6
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
8
(9.41)
0
(0.00)
192
(3.92)
3444 8889099
(14.49) (22.95)
3636 8996036 1617.12

(12.69) (11.15)
(5.81)
SBI Life
Shriram
Star Union Dai-ichi
96
TATA AIG
IndiaFirst
Private Total
LIC
Industry Total
1566.21
(7.44)
50.91
(0.75)
0.00
(0.00)
4.07
(2.18)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0
(0.00)
0
(0.00)
17276
(2.86)
0
(0.00)
256
(0.16)
71054
(100.00)
0
(0.00)
59534
(0.15)
444 1181334
(1.55)
(1.46)
355
(1.49)
89 1121800
(1.82)
(2.68)
0
(0.00)
0
(0.00)
40
(100.00)
0
(0.00)
37 1007843
(19.27) (62.47)
0
(0.00)
0
(0.00)
0
(0.00)
599.57
(2.15)
11.78
(0.06)
587.79
(8.67)
0.00
(0.00)
0.35
(0.19)
29.47
(100.00)
0.00
(0.00)
469.23
(18.43)
0.00
(0.00)
0.00
(0.00)
43.05
(34.40)
0
(0.00)
12
(0.01)
0
(0.00)
147686
(70.55)
318350
(19.73)
0
(0.00)
1
(0.00)
3737
(0.62)
1891 6539250
(6.60)
(8.10)
1343 1539130
(5.65)
(3.97)
548 5000120
(11.20) (11.92)
0
(0.00)
1
(1.18)
0
(0.00)
1
(9.10)
24
(12.50)
0
(0.00)
1
(0.19)
4
(2.09)
401.73
(1.44)
65.33
(0.31)
336.40
(4.96)
0.00
(0.00)
0.05
(0.03)
0.00
(0.00)
36.97
(98.74)
17.68
(0.69)
0.00
(0.00)
0.00
(0.00)
0.11
(0.09)
0
(0.00)
706
(0.43)
0
(0.00)
244
(0.12)
0
(0.00)
0
(0.00)
427960
(45.22)
122894
(20.33)
824132
(2.13)
1072 4926933
(3.74)
(6.11)
173
(0.73)
899 4102801
(18.38)
(9.78)
0
(0.00)
15
(17.65)
0
(0.00)
2
(18.18)
0
(0.00)
0
(0.00)
70
(13.38)
88
(46.07)
347.90
(1.25)
220.60
(1.05)
127.30
(1.88)
0.00
(0.00)
5.44
(2.92)
0.00
(0.00)
0.01
(0.03)
0.00
(0.00)
0.00
(0.00)
5.63
(1.06)
8.44
(6.74)
518495
(54.78)
427011
(70.63)
0
(0.00)
161584
(97.96)
0.00
(0.00)
61419
(29.34)
287055
(17.79)
0.00
(0.00)
176.75
(94.69)
0.00
(0.00)
0.46
(1.23)
2058.58
(80.87)
17.98
(100.00)
526.55
(98.93)
64.86
(51.83)
0
(0.00)
0
(0.00)
0.00
(0.00)
85 164943 186.67
(100.00) (100.00) (100.00)
40 71054
29.47
(100.00) (100.00) (100.00)
11 209349
37.44
(100.00) (100.00) (100.00)
192 1613248 2545.49

(100.00) (100.00) (100.00)
6 2212630
17.98
(100.00) (100.00) (100.00)
523 946467 532.26

(100.00) (100.00) (100.00)
191 604586 125.15

(100.00) (100.00) (100.00)
23763 38733489 21060.64

(100.00) (100.00) (100.00)
21612 59049732 24872.06 28655 80693285 27838.37
(75.42) (73.18) (89.34) (100.00) (100.00) (100.00)
18448 27421594 19196.72

(77.63) (70.80) (91.15)
3164 31628138 5675.34

4892 41959796 6777.74
(64.68) (75.38) (83.74) (100.00) (100.00) (100.00)
0
(0.00)
61
(71.76)
0.00
(0.00)
8
(72.73)
131
(68.23)
6 2212630
(100.00) (100.00)
450
(86.04)
89
(46.60)
Note: 1) Figures in brackets show percentage to total group new business of each insurer procured through the respective channel.
* Any entity other than banks but licenced as a corporate agent.
106937
(0.25)
0
(0.00)
2385
(1.45)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0.07
(0.01)
Sahara
11
(0.00)
2
(0.38)
8.68
(6.94)
Reliance Life
33668
(5.57)
10
(5.24)
Schemes
(Schemes and lives in nos.)
13
(0.05)
0
(0.00)
13
(0.27)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
3
(1.57)
53746
(0.07)
0
(0.00)
53746
(0.13)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
9038
(1.50)
42.29
(0.15)
0.00
(0.00)
42.29
(0.62)
0
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
39.48
(31.55)
Corporate Agents
Brokers
Direct Selling
Total Group New Business
Referrals
Banks
Others*
Lives Premium
covered
covered
covered
covered
covered
covered
covered
Individual Agents
MetLife
Insurer
GROUP NEW BUSINESS PERFORMANCE OF LIFE INSURERS - CHANNEL WISE
6017 34.66
1
0.01
515
1.53
2871 12.94
569
2.30
355
3.44
2629 18.75
6242 31.46
484
1.60
7 0.023
1169
3.34
10802 63.54
3786 29.07
1027
4.37
11135 150.86
2
0.01
45
0.20
1 0.010
1
0.01
1019
2.70
11388 38.59
6534 17.04
48 0.488
7526 48.18
61
0.22
11668 36.57
1756
4.08
5084 46.90
4
0.07
670
4.07
25
0.09
8
0.04
6333 58.49
8
0.03
66
0.30
99856 615.98
84
1
296
3013
86
5
752
1975
193
50
84
87
312
136
92
0
8
0
0
387
7096
502
0
73
0
1536
106
521
0
482
3
4
1600
0
0
19484
0.11 23750 32.59 84814 157.99

0.00
0
0.00
0
0
0.29 4394
5.14 9035 25.87
3.42 23967 25.83 7513 21.50
0.12 1284
2.16 6580 17.46
0.00
613
1.14 3773 25.80
1.57 14448 20.45 55384 197.18
3.84 8216 11.12 35006 103.73
0.50 1938
3.12 3034 10.87
0.09 1525
2.14 3626 14.22
0.12 5137
7.49 7048 25.40
0.40 11199 16.91 43662 181.88
1.02 16680 27.81 45840 204.15
0.19 5155
7.38 30747 73.50
0.35 40808 64.64 314429 611.30
0.00
0
0.00
0
0
0.01
0
0.00
758
2.07
0.00
0
0.00
0
0
0.00
0
0.00
0
0
0.40 9661 15.21 14296 45.91
16.49 8587 13.31 28292 116.08
0.74 15940 20.42 28114 67.55
0.00
0
0.00
630
3.42
0.10 20263 27.61 48910 178.72
0.00
0
0.00 3224
8.21
2.02 39330 53.55 61379 180.26
0.19 1183
2.41 4573 13.76
0.61 63692 68.16 46003 149.65
0.00
0
0.00
0
0
1.10 1509
2.59 11694 46.97
0.01
0
0.00
0
0
0.03
0
0.00
0
0
3.62 16414 23.10 49927 261.65
0.00
0
0.00
0
0
0.00
0
0.00 1969
8.44
37.35 335693 454.31 950260 2753.55
2857
9.51 14052 34.94 202133 296.40 11286 25.91 145625
0
0.00
486
1.68 1923
5.77
0 0.000
562
426
0.98 6797 13.75 56269 88.89 1037 2.370 54919
0
0.00 11741 18.98 217670 300.26 1899
3.81 80881
820
2.49 2357
5.30 33938 64.62 3067
7.75 14573
259
0.92
635
4.26 2773 11.57
568 2.183 3445
2336
6.04 10541 39.67 86571 177.37 11002 26.72 56972
1725
3.69 9135 31.67 31166 61.92 1977
4.01 25609
0
0.00 1049
1.95 17821 37.54
496
1.02 5313
0
0.00 1038
2.15 18455 50.39
743 1.520 1622
1286
2.40 5212 11.51 91160 154.81 5077 11.59 32705
2855 10.26 7543 32.32 163770 221.23 11696 31.02 82725
1413
4.85 6848 29.37 60999 214.66 7329 18.89 20742
1506
4.00 13974 25.90 64666 114.41 4763
9.24 99656
13647 32.92 22067 101.85 142681 359.56 24149 59.94 409184
0
0.00
73
0.31 17303 13.72
0
0.00 13159
0
0.00
192
0.44 1375
3.24
152
0.57 3963
0
0.00
82
0.24 1247
6.89
0
0.00
435
0
0.00
71
0.25 1870
2.34
0
0.00 9623
917
1.79 10377 25.84 125300 204.20 3788
9.13 51723
2236
6.52 16694 59.29 46938 126.70 9073 22.30 27073
1109
2.47 23527 52.79 53787 90.13 6634 15.27 67147
0
0.00
390
1.20 1380
7.39
240
0.64
792
3340 12.56 15071 59.13 196819 242.05 14932 32.37 72751
0
0.00 1626
3.51 11770 16.09
0
0.00 5341
5666 18.85 19709 47.26 270376 436.86 26504 40.36 278544
853
1.27 5002 11.74 24681 47.02 2238
4.86 10489
2426 10.46 16831 50.53 246368 392.66 12335 30.16 163331
0
0.00
5 0.010
594
0.92
0
0.00
0
1373
4.18 1085
4.04 2587
7.03 4033
9.69 2099
0
0.00
115
0.47
295
0.61
0
0.00
0
0
0.00
44
0.10
357
0.70
0
0.00
0
2798 14.16 14791 68.67 31645 123.14 13732 40.21 27910
0
0.00
1
0.00
150
0.75
0
0.00
0
0
0.00
382
0.90 2652
3.48
0
0.00 1808
49848 150.31 239543 742.02 2229489 3885.32 178750 411.54 1770721
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
103.56
0.00
40.50
82.39
20.74
7.88
75.15
56.57
7.34
2.659
30.58
110.69
49.75
56.96
964.22
2.02
5.90
1.669
4.76
49.27
49.13
67.61
1.791
70.17
1.96
186.71
12.74
141.79
0.00
5.70
0.00
0.00
73.02
0.00
3.51
2286.74
Aegon Religare
Aviva
Bajaj Allianz
Bharti AXA
Birla Sunlife
Canara HSBC
DLF Pramerica
Future Generali HDFC Standard
No. of Prem- No. of Prem- No. of Prem- No. of Prem- No. of Prem- No. of Prem- No. of Prem- No. of Prem- No. of Prempolicies
ium policies
ium policies
ium policies
ium policies
ium policies
ium policies
ium policies
ium policies
ium
STATEMENT 7
State / Union Territory
STATE WISE INDIVIDUAL NEW BUSINESS UNDERWRITTEN
97
7564 19.35
64
0.53
1486
3.66
1304
3.52
608
2.78
749
4.12
3831 18.73
1933
7.82
131
0.36
125
0.46
1273
4.04
5581 19.95
15136 116.87
2800
8.28
19923 66.02
174
0.51
64
0.84
80
0.50
82
1.01
4464
2.12
2646 10.65
3702 12.19
28
0.35
5759 17.34
52
0.33
7822 30.92
940
4.79
3852 17.15
13
0.02
461
1.73
27
0.05
11
0.04
4034 23.31
0
0.00
45
0.11
96764 400.45
11589 28.30 65930 150.32 10503

15
0.03
4
0.01
0
372
1.29 2369
5.71 4836
1355
2.58
509
1.07 1123
947
2.78 1219
2.04
864
785
2.40 1437
3.88
474
10741 55.16 10441 27.66 44642
1172
2.26 6670 12.85 21496
201
0.48 1623
3.35
0
40
0.06 1619
2.99
931
577
1.40
697
1.52 4578
1377
4.47 45450 108.35 13286
989
3.43 16442 32.51 6999
2021
4.92 7270 12.61 6583
7337 21.67 16378 42.05 68089
79
0.28
13
0.03
0
118
0.12
16
0.04
0
10
0.00
0
0.00
0
26
0.15
12
0.05
0
1613
3.51 10615 22.87 1979
864
3.98 8618 18.15 18856
7046 13.77 12507 19.27 9581
6
0.02
88
0.14
0
2714
6.90 44079 80.70 16683
45
0.12
5
0.01
0
12879 26.79 16250 35.33 17686
1575
3.17 3414
8.06 1997
1944
5.87 6865 14.76 13011
0
0.00
3
0.02
0
147
0.26
626
1.71 2332
91
0.38
172
0.36
520
38
0.18
5
0.01
0
1998
4.77 8736 23.57 52665
0
0.00
35
0.10
0
45
0.09
638
1.22
459
70756 201.59 290755 633.33 320173
33.74 70667 118.69 18340

0.00
0
0.00
0
15.24 11124 17.25 6110
3.89 12439 19.99 4934
3.14 8041 13.93 3114
3.61 9091 23.30
986
163.85 75910 167.77 14735
54.28 39073 76.98 4846
0.00 8191 11.54
0
2.46 6836 11.86 35723
12.07 8311 14.86 3886
59.12 30760 73.98 25242
22.18 27041 52.76 22034
17.66 24431 39.67 3415
291.60 133968 317.98 26992
0.00 3351
5.20
0
0.00
318
0.87
0
0.00
0
0.00
0
0.00
16
0.02
0
5.46 27017 38.14 4313
56.20 43025 93.84 17897
26.94 43256 75.35 8100
0.00
0
0.00
0
50.85 51739 97.44 13610
0.00 1592
3.39
34
50.06 84157 134.75 29125
4.56 15364 27.85 2541
41.95 129865 114.11 30788
0.00
962
1.53
0
6.72 11445 18.62
0
1.40
0
0.00
0
0.00
0
0.00
0
184.81 72519 186.03 14960
0.00
0
0.00
0
0.88 1331
1.76
12
1112.65 951840 1759.47 291737
55.74 111205
0.00 2005
21.74 131058
8.94 165953
8.45 13854
4.55 2590
41.06 74081
13.04 28091
0.00 10229
95.68 12981
10.20 45690
103.64 55997
90.82 26541
9.93 53086
124.41 102447
0.00
0
0.00 3097
0.00
729
0.00
319
10.46 57875
57.80 32536
13.31 48430
0.00
213
46.93 71846
0.13 5028
48.57 199489
7.96 23769
105.01 980912
0.00
0
0.00 3178
0.00
0
0.00
0
58.31 60022
0.00
0
0.03 2380
936.70 2325631
204.57
7.20
129.85
182.86
23.44
11.979
222.52
41.08
26.07
27.92
44.33
112.73
98.51
131.92
283.55
0.00
5.55
4.30
7.02
67.71
104.07
99.29
0.78
151.42
17.69
376.54
13.14
793.81
0.00
17.35
0.00
0.00
178.10
0.00
3.21
3388.52
2450
3.19
0
0.00
647
0.90
20136 21.83
825
1.17
0
0.00
3404
4.67
2067
2.71
0
0.00
0
0.00
3017
4.74
704
1.43
0
0.00
1833
2.66
921
1.66
0
0.00
0
0.00
0
0.00
0
0.00
2154
2.75
222
0.25
9056 14.31
0
0.00
610
0.82
0
0.00
29980 35.18
554
0.90
4196
6.17
0
0.00
202
0.31
0
0.00
0
0.00
1055
1.19
0
0.00
0
0.00
84033 106.84
186352
0
27319
66479
15098
2707
99062
23635
29275
13976
30574
151678
72809
36213
208071
839
360
373
0
92243
85294
76201
600
114526
4211
196132
30077
95274
1022
0
0
0
100827
0
0
1761227
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
Chandigarh
Dadra & Nagrahaveli
Daman & Diu
Delhi
Lakshadweep
Puducherry
Company Total
314.79
0.00
85.28
133.30
40.02
17.16
401.40
53.40
32.25
38.70
93.71
279.56
399.96
100.59
983.28
1.67
0.85
1.98
0.00
117.72
329.73
162.89
2.14
430.60
9.83
384.25
35.93
296.36
2.33
0.00
0.00
0.00
463.89
0.00
0.00
5213.55
ICICI Prudential
IDBI Federal
IndiaFirst
ING Vysya
Kotak Mahindra
Max NewYork
MetLife
Reliance Life
Sahara
No. of Prem- No. of Prem- No. of Prem- No. of Prem- No. of Prem- No. of Prem- No. of Prem- No. of Prem- No. of Prempolicies
ium policies
ium policies
ium policies
ium policies
ium policies
ium policies
ium policies
ium policies
ium
Contd... STATEMENT 7
98
144823
2121
51386
56590
37872
4448
46585
23244
10974
4358
29438
83932
90348
80241
135113
6364
2563
969
3246
69925
25138
70845
436
168974
2149
92250
13866
68825
313
2577
137
129
18730
10
4312
1353231
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
Chandigarh
Dadra & Nagrahaveli
Daman & Diu
Delhi
Lakshadweep
Puducherry
Company Total
99
65379
1
6
342
1824
34
3152
1205
47
4
918
5674
4138
2911
5168
6
0
0
1
378
1631
1380
1
40166
30
1606
474
336
18
268
0
49
1212
1
999
139359
179.58
0.00
0.01
0.51
4.96
0.13
5.14
1.29
0.064
0.00
1.71
19.69
8.75
7.26
14.59
0.01
0.00
0.00
0.00
1.12
1.94
2.17
0.001
121.45
0.13
3.73
1.12
0.70
0.04
0.32
0.000
0.15
2.53
0.00
3.00
382.09
Shriram
No. of
Prempolicies
ium
477.88
6.89
71.99
165.54
109.57
23.50
211.22
80.38
41.48
15.04
72.60
278.14
331.16
251.97
391.38
7.86
5.22
1.31
4.99
192.30
100.24
267.86
2.03
492.32
3.55
347.78
59.76
313.64
1.64
12.29
0.56
0.78
138.80
0.03
13.57
4495.26
SBI Life
No. of
Prempolicies
ium
3811
0
562
4018
1219
571
5582
1514
255
290
10046
2773
2273
14712
19320
0
74
0
1
2933
4060
2639
83
6634
7
15557
733
4614
0
304
8
7
3517
0
75
108192
14.54
0.00
1.07
15.53
6.58
5.01
36.71
7.16
0.818
1.73
40.13
11.14
15.25
45.27
105.65
0.00
0.17
0.00
0.00
11.76
31.27
10.63
0.630
20.66
0.04
64.29
2.70
17.29
0.00
1.46
0.040
0.03
22.52
0.00
0.33
490.40
Star Union
No. of
Prempolicies
ium
80451
0
31247
25872
8153
1262
39568
17111
5563
0
14044
21324
28534
6926
77194
0
200
310
0
62072
5703
32811
0
62014
3864
34310
0
99591
0
6470
0
0
24602
0
0
689196
No. of
policies
2339.31 3764291
22.13
14292
595.16
744894
1075.65 2163953
352.85
578344
159.79
83746
1994.10 1835974
693.66
671778
191.96
474289
270.09
208416
578.65
744392
1780.97 2607429
1824.48 1958138
940.28 1580724
5145.39 3672679
31.62
41477
27.05
14336
18.34
5182
20.60
17798
887.03 1271449
1267.75 1000324
1091.70 2083347
21.11
14958
2262.70 2913816
72.64
93978
2598.37 4724102
268.01
531918
2829.31 3700722
6.58
20397
159.03
81069
3.98
0
2.05
2434
2019.28 1175340
0.91
52
40.84
42615
31593.37 38838653
State Total (Private)

No. of
Prempolicies
ium
42.96 1269682
0.00
7183
61.84
402210
46.96
710609
11.05
156912
2.96
37560
75.34
672369
32.39
293108
11.61
96817
0.00
103949
30.11
301927
40.53
778117
72.71
477233
11.58
464072
155.90 1799113
0.00
41363
0.96
13303
1.45
4236
0.00
15268
56.64
555049
11.23
403867
39.69
528848
0.08
4935
74.36
979039
7.44
39039
57.75 1451955
0.00
146185
211.59 1996664
0.00
2934
12.89
53542
0.00
1393
0.000
652
65.39
530027
0.000
205
0.00
17173
1135.41 14356538
TATA AIG
No. of
Prempolicies
ium
Premium
5572.37
40.74
1392.92
2768.78
718.33
431.96
5286.79
1485.97
959.56
592.89
1454.22
4714.64
4635.06
3172.47
12476.44
108.12
84.53
48.14
72.56
2061.39
2543.22
3371.59
38.58
6032.66
224.08
7601.30
885.38
7655.61
70.42
723.26
3.98
112.22
4572.54
0.96
93.38
82007.05
State Total (Industry)

No. of
Prempolicies
ium
3233.06 5033973
18.61
21475
797.76 1147104
1693.13 2874562
365.48
735256
272.17
121306
3292.69 2508343
792.31
964886
767.60
571106
322.80
312365
875.57 1046319
2933.67 3385546
2810.58 2435371
2232.19 2044796
7331.04 5471792
76.50
82840
57.48
27639
29.80
9418
51.96
33066
1174.36 1826498
1275.47 1404191
2279.89 2612195
17.47
19893
3769.96 3892855
151.44
133017
5002.93 6176057
617.37
678103
4826.30 5697386
63.84
23331
564.23
134611
0.00
1393
110.17
3086
2553.26 1705367
0.052
257
52.54
59788
50413.69 53195191
LIC #
100
Additions* Deletions**
Business
In force
as at
31-03-2010
5.51
11.80
2.48
14.83
61.80
37.48
37.64
61.64
721.09
333.91
114.30
940.70
38.83
24.53
18.57
44.79
675.92
738.69
421.43
993.18
0.17
0.69
0.05
0.81
0.63
1.61
0.84
1.40
56.39
167.33
45.25
178.47
1244.33
426.59
173.62
1497.30
1311.84
522.91
863.25
971.50
10.47
37.18
0.20
47.45
0.00
0.00
0.00
0.00
362.65
165.03
95.61
432.07
156.83
33.66
27.78
162.71
1135.46
472.99
266.18
1342.27
175.53
104.03
49.43
230.13
234.10
450.37
84.26
600.21
101.10
38.01
22.84
116.27
488.95
146.80
57.01
578.74
38.36
17.74
16.31
39.80
0.62
11.94
0.33
12.23
710.08
288.02
257.61
740.49
7530.66 4031.32 2554.99 9006.99
210154.04 32907.33 17003.48 226057.89
217684.70 36938.65 19558.47 235064.88
Business
In force
as at
01-04-2009
Life Business
* Includes New Policies issued, Old Policies reinstated/revived.

** Includes policy terminations by death, maturity, lapse, surrenders or cancellations.
# Excluding linked Health Business, if any.
Source data: Actuarial Report and Abstract as on 31.03.2010
Aegon Religare
Aviva
Bajaj Allianz
Bharti AXA
Birla Sun Life
Canara HSBC
DLF Pramerica
Futura Generali
HDFC Standard
ICICI Prudential
IDBI Federal
IndiaFirst
ING Vysya
Kotak Mahindra
Max New York
MetLife
Reliance
Sahara
SBI Life
Shriram
Star Union Dai-ichi
Tata AIG
Sub Total
LIC
Total
Insurer
0.00
0.10
6.65
0.00
0.01
0.00
0.00
2.14
79.12
56.81
0.00
0.00
70.75
5.96
6.81
0.73
0.00
0.31
122.52
0.00
0.00
19.92
371.83
2788.78
3160.61
Business
In force
as at
01-04-2009
0.00
0.28
0.73
0.00
0.16
0.00
0.00
1.89
13.11
2.60
0.00
0.00
24.05
0.35
0.42
0.08
0.00
0.01
19.38
0.01
0.01
0.46
63.54
255.92
319.46
0.00
0.10
0.48
0.00
0.03
0.00
0.00
0.08
12.29
2.07
0.00
0.00
5.60
0.40
0.70
0.05
0.00
0.01
8.68
0.00
0.00
1.06
31.55
264.86
296.41
0.00
0.28
6.90
0.00
0.14
0.00
0.00
3.95
79.94
57.34
0.00
0.00
89.20
5.91
6.53
0.76
0.00
0.31
133.22
0.01
0.01
19.32
403.82
2779.84
3183.66
Business
In force
as at
31-03-2010
General annuity and pension Business
Business
In force
as at
31-03-2010
Linked
Business #
0.00
44.34
0.00
921.54
81.94
7247.94
6.00
257.47
7.71
2304.84
0.00
129.34
0.00
19.84
0.00
196.95
0.00
1666.98
115.19
5089.19
0.00
114.70
0.00
70.47
0.00
663.67
0.00
912.64
41.76
1586.93
9.70
563.02
0.00
3980.90
0.00
166.06
0.00
3167.14
0.00
285.22
0.00
106.11
101.11
932.58
363.40 30427.87
0.00 49434.28
363.40 79862.15
Business
In force
as at
31-03-2010
Health
Business
INDIVIDUAL BUSINESS (WITHIN INDIA) - BUSINESS IN FORCE (NUMBER OF POLICIES)
Business
In force
as at
31-03-2010
Total
0.00
59.17
0.00
983.46
0.00
8277.48
0.00
308.26
5.78
3311.65
0.00
130.15
0.00
21.24
0.00
379.37
0.00
3244.22
87.83
6321.04
0.00
162.15
0.00
70.47
0.00
1184.94
0.00
1081.26
0.00
2977.49
0.00
803.61
51.83
4632.94
0.00
282.64
0.00
3879.10
0.00
325.03
0.00
118.35
15.68
1809.18
161.12 40363.20
291.40 278563.41
452.51 318926.60
Linked
Health
Business
Business
In force
as at
31-03-2010
(Policies in 000)
STATEMENT 8
101
5.51
15195.38
6069.01
828.22
4830.08
22251.64
29118.02
7253.20
40914.36
7197.76
8478.59
14455.35
13517.96
1453.91
916.14
1313.59
2041.28
1026.27
59.27
903.08
49.19
15.04
0.00
177887.34
1784879.93
1962767.26
Business
In force
as at
01-04-2009
11.80
7495.90
4485.21
2750.66
2819.34
10524.66
9026.80
2789.89
12295.79
3706.66
1967.00
5642.22
3158.44
591.53
326.76
1210.01
3844.93
4060.18
341.25
2823.34
122.55
273.18
0.00
80256.28
454767.14
535023.43
Business
In force
as at
31-03-2010
2.48
14.83
3593.20 19098.07
1831.29
8722.92
432.50
3146.38
1105.86
6543.55
3231.83 29544.47
10798.02 27346.81
1844.78
8198.31
11656.13 41554.02
1568.08
9336.34
1707.43
8738.16
2079.61 18017.96
1830.53 14845.86
345.33
1700.11
253.83
989.07
1112.09
1411.51
1706.84
4179.38
23.69
5062.76
34.24
366.27
439.05
3287.37
58.01
113.73
8.21
280.01
0.00
0.00
45660.56 212483.06
178613.36 2061033.71
224273.93 2273516.76
Life Business
0.00
225.78
0.00
2.57
0.04
1501.86
1567.57
213.26
139.28
15.13
235.51
975.61
443.97
7.67
0.02
0.00
0.68
0.00
0.00
1.37
0.00
0.00
0.00
5330.33
46963.83
52294.16
0.00
13.03
0.00
1.83
0.03
314.94
62.03
168.57
7.80
1.87
5.56
176.92
9.48
0.38
0.11
0.00
0.55
0.00
0.00
12.16
0.00
669.41
0.00
1444.67
6280.88
7725.55
0.00
19.66
0.00
2.51
0.00
237.05
77.73
21.95
13.74
1.64
17.27
336.09
19.56
0.64
0.00
0.00
0.00
0.00
0.00
1.37
0.00
0.00
0.00
749.20
6318.14
7067.34
0.00
219.15
0.00
1.89
0.07
1579.75
1551.87
359.89
133.34
15.37
223.80
816.43
433.89
7.41
0.12
0.00
1.23
0.00
0.00
12.16
0.00
669.41
0.00
6025.80
46926.56
52952.36
Business
In force
as at
31-03-2010
General annuity and pension Business
Business
In force
as at
01-04-2009
* Includes New Policies issued, Old Policies reinstated/revived.

** Includes policy terminations by death, maturity, lapse, surrenders or cancellations.
# Excluding linked Health Business, if any.
Source data: Actuarial Report and Abstract as on 31.03.2010
Aegon Religare
Bajaj Allianz
Reliance
Aviva
Birla Sun Life
HDFC Standard
ICICI Prudential
ING Vysya
Max New York
MetLife
Kotak Mahindra
SBI Life
Tata AIG
Sahara India
Shriram
Bharti AXA
Futura Generali
IDBI Federal
Canara HSBC
Aegon Religare
DLF Pramerica
Star Union Dai-ichi
IndiaFirst
Sub Total
LIC
Total
Insurer
Business
In force
as at
31-03-2010
Linked
Business #
0.00
44.34
2825.10 178770.14
0.00 40591.93
0.00 26906.63
773.32 109029.13
0.00 57891.87
19585.83 89387.98
0.00 11476.51
735.28 47876.49
44.34 31918.08
0.00 29030.47
141.81 55777.33
5367.02 31035.20
0.00
2875.37
0.00
7544.03
126.30
5487.14
0.00
5042.83
0.00
2747.07
0.00
6786.04
0.00
1192.62
0.00
551.99
0.00
1854.13
0.00
566.03
29599.00 744339.01
0.00 223125.44
29599.00 967464.45
Business
In force
as at
31-03-2010
Health
Business
INDIVIDUAL BUSINESS (WITHIN INDIA) - BUSINESS IN FORCE (SUM ASSURED)
0.00
0.00
1085.90
0.00
578.30
0.00
111.86
0.00
0.00
0.00
0.00
0.00
2380.46
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
4156.52
10851.57
15008.09
Linked
Health
Business
Business
In force
as at
31-03-2010
59.17
200912.46
50400.76
30054.90
116924.37
89016.09
137984.34
20034.70
90299.13
41314.13
37992.43
74753.53
54062.44
4582.89
8533.22
7024.95
9223.44
7809.83
7152.31
4492.15
665.72
2803.56
566.03
996603.39
2341937.28
3338540.67
Business
In force
as at
31-03-2010
Total
(` Crore)
STATEMENT 9
Total Premium
Single First Year Renewal
Total
102
604.17
146.42
36.00
255.24
162.74
Canara HSBC
Aegon Religare
DLF Pramerica
Star Union Dai-ichi
IndiaFirst
201.59
519.87
37.38
150.37
622.62
400.56
3493.78
2868.05
0.01
10.50
1.07
15.28
219.83
170.56
55.44
232.30
191.77
125.77
1579.64
2684.12
1474.16
3011.46
201.60
530.37
38.44
165.65
842.45
571.12
541.51
669.73
611.27
250.59
2378.01
6604.90
2536.01
4860.54
6968.61 11419.71
3063.28 10104.03
2171.76
1534.07
162.74
233.20
35.62
138.06
602.87
233.72
306.67
398.96
261.80
41.95
698.14
3323.31
757.86
1208.31
2952.65
3820.70
1093.95
1014.41
5960.48
2887.42
2476.44
311.88
3842.37 38372.12 41000.94 79373.06 28921.13
38.85
264.63
1.38
3.95
18.45
115.02
486.08
437.43
419.50
124.83
798.37
3920.78
1061.85
1849.08
4451.10
7040.74
1322.01
1333.98
Non-Linked Premium
Total
201.59
470.87
37.00
141.57
614.78
343.70
315.41
402.77
374.62
84.24
752.18
3588.88
788.34
1289.86
3748.84
4356.00
1113.37
1202.03
6073.63
2928.34
2692.44
318.74
5443.18
5773.63
1050.75
6800.60
2656.95
2618.06
0.01
10.12
1.04
13.73
219.65
120.70
35.43
228.36
168.88
77.44
1570.66
2567.85
1282.61
2107.71
201.60
480.99
38.05
155.30
834.42
464.40
350.84
631.13
543.51
161.68
2322.84
6156.72
2070.95
3397.56
6536.42 10285.27
2444.60
1543.58
1416.02
9746.75 15820.38
2514.84
3081.19
732.00
2918.06 31839.19 36419.61 68258.80
38.85
237.67
1.38
3.50
11.91
109.98
8.74
3.82
112.82
42.29
54.04
265.57
30.48
81.54
796.19
535.30
19.42
187.63
113.15
40.92
216.00
6.87
5608.61
0.00
22.04
0.38
8.36
1.30
51.81
170.26
6.13
7.20
40.59
46.14
306.84
229.45
439.16
618.70
2461.12
179.67
69.36
98.03
29.85
507.45
314.79
924.31
0.00
26.96
0.00
0.45
6.54
5.04
0.41
28.53
37.68
0.00
0.06
25.06
44.06
120.06
83.56
223.63
28.97
62.59
162.37
1.82
57.61
8.90
6532.93
0.00
49.00
0.38
8.80
7.84
56.85
170.67
34.66
44.88
40.59
46.20
331.90
273.51
559.22
702.26
2684.75
208.64
131.95
260.40
31.67
565.06
323.69
0.00
49.38
0.40
10.36
8.03
106.72
190.68
38.60
67.76
88.91
55.18
448.17
465.06
1462.98
1134.45
3303.43
836.83
249.99
711.50
62.47
1231.47
591.90
4581.33 11114.26
0.00
0.38
0.02
1.55
0.19
49.87
20.01
3.94
22.89
48.33
8.98
116.27
191.55
903.76
432.19
618.68
628.19
118.04
451.09
30.80
666.41
268.21
60714.23 49179.79 109894.02 155556.35 265450.37 33761.61 26163.84 59925.45 55595.51 115520.96 26952.62 23015.95 49968.57 99960.84 149929.42
285.53
IDBI Federal
9.15
5505.66
7005.10
1642.65
Regular
Industry Total
476.93
Future Generali
32.35
2545.65
3747.60
1000.22
6334.03 10197.84 16531.88
2960.01
3257.51
642.43
Total
34529.75
405.09
Bharti AXA
150.50
42.29
54.10
290.62
74.54
201.60
879.75
758.93
48.39
250.22
275.53
42.75
273.62
15.77
Linked Premium
4840.47 23245.78 28086.26 19175.90 47262.15 21344.01 22091.64 43435.65 95379.51 138815.16
Regular
STATEMENT 10
Private Total
269.00
Shriram
1647.47
Max New York
82.53
3571.35
Bajaj Allianz
Sahara
6281.82
SBI Life
744.28
1273.62
Tata AIG
Aviva
1083.77
Kotak Mahindra
3630.15
6058.51
ICICI Prudential
Reliance
2917.26
Birla Sun Life
987.31
2983.89
HDFC Standard
MetLife
626.66
26184.48 45337.42 71521.90 114555.41 186077.31
Regular
ING Vysya
LIC
Insurer
LINKED AND NON-LINKED PREMIUM OF LIFE INSURERS FOR 2009-10
Total Premium
Total
103
288.83
28.91
3.37
31.69
Canara HSBC
Aegon Religare
DLF Pramerica
Star Union Dai-ichi
50.19
3.37
31.21
296.41
316.78
0.00
0.00
0.00
0.00
2.20
2.64
67.48
121.70
72.45
1268.31
1418.56
851.94
2014.35
50.19
3.37
31.21
296.41
318.97
152.60
360.41
436.17
206.47
1992.87
4932.54
1996.64
3857.26
30.10
3.24
26.59
288.57
183.49
102.90
228.01
172.72
54.70
669.42
2893.05
985.20
1296.16
3731.30
2736.21
919.91
1224.75
6162.70
2658.89
1996.62
504.10
Note: Figures in bracket indicates negative value.
3488.97 34152.01 30345.43 64497.44 26868.63
18.51
0.00
2.30
7.58
132.57
149.97
7212.10
2747.50
2343.19
6133.09 10624.52
1825.46
1604.83
1000.17
Non-Linked Premium
Total
44.75
3.24
27.20
296.15
287.34
107.62
229.66
308.05
106.33
693.95
3441.19
1027.86
1446.21
4197.07
3230.69
958.82
1243.46
6395.52
2699.56
2266.58
526.47
4422.89
4729.45
1051.08
0.00
0.00
0.00
0.00
1.28
0.00
61.60
100.49
39.18
1258.88
1319.32
701.47
1230.29
5789.33
1287.58
927.57
876.66
44.75
3.24
27.20
296.15
288.62
107.62
291.26
408.54
145.51
1952.83
4760.51
1729.33
2676.49
9986.40
4518.27
1886.39
2120.12
8107.79 14503.31
1723.32
2462.86
524.61
2669.11 29537.74 26412.22 55949.96
14.65
0.00
0.62
7.58
103.85
4.72
1.65
135.32
51.63
24.53
548.14
42.67
150.04
465.77
494.49
38.91
18.71
232.82
40.67
269.97
22.36
3794.41
1.59
0.13
2.32
0.26
0.72
41.73
47.67
6.03
27.68
9.19
179.08
81.22
297.55
281.08
1828.69
150.31
62.65
182.62
105.07
339.74
149.07
819.86
3.86
0.00
1.69
0.00
28.71
0.61
15.60
0.39
0.00
21.42
(106.29)
35.62
99.15
13.28
327.26
33.54
36.92
233.69
16.22
44.78
13.41
4614.26
5.44
0.13
4.01
0.26
29.43
42.35
63.27
6.42
27.68
30.61
72.79
116.84
396.70
294.36
2155.95
183.85
99.56
416.31
121.29
384.53
162.49
3933.21
0.00
0.00
0.00
0.00
0.92
2.64
5.88
21.21
33.27
9.43
99.24
150.48
784.06
343.76
537.88
677.26
123.51
436.60
27.63
450.72
228.72
8547.47
5.44
0.13
4.01
0.26
30.35
44.99
69.15
27.64
60.95
40.04
172.03
267.32
1180.77
638.12
2693.83
861.11
223.07
852.91
148.92
835.24
391.21
49803.65 37527.43 87331.09 134454.39 221785.47 31327.85 13332.46 44660.31 45986.75 90647.06 18475.80 24194.97 42670.77 88467.64 131138.41
184.21
IDBI Federal
5.33
292.93
4571.80
5564.69
1442.28
8544.39 15356.22
1750.95
2913.58
753.33
Regular
Industry Total
144.63
Future Generali
17.25
314.47
134.01
724.56
3513.98
1144.70
1842.91
4491.43
5386.64
1142.67
1343.03
6811.83
2820.85
2651.11
688.95
Total
30663.04
275.68
Bharti AXA
135.71
51.63
45.95
441.85
78.28
249.19
479.04
821.75
72.45
55.63
466.51
56.89
314.75
35.78
Linked Premium
4459.22 10663.35 15122.57 19574.53 34697.10 14681.40 23375.11 38056.51 84534.43 122590.94
Regular
Cont'd... STATEMENT 10
Private Total
178.76
Shriram
1593.72
Max New York
82.38
4012.39
Bajaj Allianz
Sahara
4564.89
SBI Life
678.61
1070.22
Tata AIG
Aviva
1287.39
Kotak Mahindra
3072.13
6345.32
ICICI Prudential
Reliance
2763.96
Birla Sun Life
1066.42
2336.36
HDFC Standard
MetLife
653.18
19140.61 34038.47 53179.08 104108.96 157288.04
Regular
ING Vysya
LIC
Insurer
LINKED AND NON-LINKED PREMIUM OF LIFE INSURERS FOR 2008-09
LIC
ING Vysya
HDFC Standard
Birla Sun Life
ICICI Prudential
Kotak Mahindra
Tata AIG
SBI Life
Bajaj Allianz
Max Newyork
MetLife
Reliance
Aviva
Sahara
Shriram
Bharti AXA
Future Generali
IDBI Federal
Canara HSBC
Aegon Religare
DLF Pramerica
Star Union Dai-ichi
IndiaFirst
Private Total
Grand Total
Insurer
1481.14
57.46
337.33
510.61
561.91
160.83
230.69
620.13
803.43
273.42
231.96
542.50
151.38
12.83
62.35
62.32
72.02
22.73
203.10
11.73
4.24
33.82
14.56
4981.34
6462.48
Commission
3.13
5.47
5.84
9.38
3.55
6.14
8.68
9.12
7.81
8.05
11.20
8.81
6.52
7.93
11.47
9.87
20.53
4.89
24.34
7.55
11.14
7.03
7.22
7.30
5.59
12.23 10629.17
47.58
63.30
64.19 188.17
98.92
5.59
93.19
41.06
95.78
7.09
82.14
50.16
81.78 138.12
83.47 159.13
64.91 147.79
79.30
60.55
86.41
85.36
95.63
6.91
54.16
10.86
93.78
4.14
98.20
1.14
55.63
57.44
51.43
21.46
99.87
0.26
94.87
0.63
98.86
0.05
86.09
5.46
100.00
0.00
82.53 1054.65
35.61 11683.83
7.66
10.69
15.28
8.94
5.77
2.84
5.99
4.18
14.03
10.10
13.02
19.05
12.53
12.21
6.11
2.95
30.12
20.11
3.27
6.12
12.28
11.06
0.00
9.49
7.79
% To
Traditional
Premium
2009-10
Traditional
% To
% To
ULIP
Total Commission
Premium Commission
ULIP
6.51 12110.31 1356.03

7.35 120.76
74.26
7.50 525.50 290.58
9.38 516.20 478.32
3.65 602.97 638.45
5.85 167.92 214.53
8.04 280.85 193.40
7.50 758.25 419.85
8.43 962.57 971.98
8.67 421.21 275.35
11.53 292.51 321.03
9.51 627.85 580.35
6.66 158.29 150.54
9.45
23.68
13.06
10.88
66.49
53.00
9.47
63.46
37.34
23.91 129.45
13.16
7.74
44.19
14.57
24.14 203.37 105.59
7.46
12.36
2.03
11.15
4.29
0.08
7.41
39.28
6.47
14.56
7.60 6036.00 4853.93
6.84 18146.31 6209.96
% Of Total
Total Commission
Commission Commission
To Total
Premium
Total
88.86 608.80
40.07 9286.02
8.67
6.85
Commission
STATEMENT 11
104
8.47
6.99
6.38
7.65
7.64
10.54
4.56
9.62
8.73
6.49
9.90
10.15
17.51
12.10
7.63
11.70
12.84
10.75
14.44
4.84
35.64
7.02
2.48
13.47
% To
Traditional
Premium
7.16 5462.74
7.08 15495.98
7.08 10033.24
9.23 110.38
16.08 424.89
2.33 481.79
7.21 699.99
4.89 225.43
5.39 239.78
1.78 467.88
12.47 1051.55
9.84 391.58
10.67 349.56
9.63 596.91
3.56 151.96
18.21
24.15
10.79
55.99
6.59
38.73
19.75
22.04
2.89
15.45
20.66 105.65
4.11
2.19
3.16
0.08
5.27
6.76
% of Total
Total
Commission Commission
To Total
Premium
Total
(Commission ` Crore)
Traditional
13.52 8677.21
67.28
36.12
68.39 134.31
99.28
3.47
91.21
61.54
95.16
10.91
80.66
46.38
89.73
48.03
92.43
79.57
70.32 116.23
91.84
28.53
97.23
16.56
99.06
1.42
54.05
11.10
94.67
2.98
96.41
1.39
59.69
8.89
94.32
0.88
99.95
0.05
92.49
0.16
95.22
0.00
95.76
0.29
% to Total
Commission
2008-09
3.91
7.06
6.14
10.81
4.40
10.12
10.25
9.29
9.73
10.29
18.56
12.19
7.71
8.97
12.97
11.00
12.23
5.05
35.65
7.45
2.45
14.47
% to ULIP
Premium
ULIP
LINKED AND NON-LINKED COMMISSION OF LIFE INSURERS
105
210
886
25
216
Future Generali
HDFC Standard
ICICI Prudential
IDBI Federal
IndiaFirst
ING Vysya
4.75
0.00
0.55
16.90
8.16
0.06
0.00
0.46
0.77
0.17
14.21
2.36
0.10
1710
13
185
15171
3627
449
10
85
5907
487
22516
1749
48
2.48
24.93
0.17
8.13
231.62
71.59
11.67
0.70
4.29
129.44
10.90
338.90
29.35
Note: Figures in brackets show percentage of the respective total claims.
14
Birla Sunlife
DLF Pramerica
Bharti AXA
524
Bajaj Allianz
Canara HSBC
128
1926
(100.00)
13
(100.00)
210
(100.00)
16057
(100.00)
3837
(100.00)
453
(100.00)
10
(100.00)
93
(100.00)
5921
(100.00)
491
(100.00)
23040
(100.00)
1877
(100.00)
50
(100.00)
29.68
(100.00)
0
(100.00)
8.68
(100.00)
248.52
(100.00)
79.75
(100.00)
11.73
(100.00)
0.70
(100.00)
4.75
(100.00)
130.21
(100.00)
11.06
(100.00)
353.11
(100.00)
31.71
(100.00)
2.58
(100.00)
1720
(89.30)
7
(53.85)
104
(49.52)
14479
(90.17)
3497
(91.14)
176
(38.85)
4
(40.00)
36
(38.71)
5275
(89.09)
382
(77.80)
20316
(88.18)
1635
(87.11)
24
(48.00)
24.91
(83.94)
0.07
(39.54)
2.70
(31.08)
218.04
(87.74)
66.58
(83.49)
3.61
(30.78)
0.48
(68.35)
1.15
(24.15)
102.76
(78.92)
7.57
(68.45)
294.92
(83.52)
25.37
(80.01)
1.08
(41.75)
82
(4.26)
1
(7.69)
50
(23.81)
525
(3.27)
179
(4.67)
133
(29.36)
1
(10.00)
15
(16.13)
629
(10.62)
109
(22.20)
1197
(5.20)
183
(9.75)
22
(44.00)
1.58
(5.33)
0.01
(5.77)
1.61
(18.58)
10.98
(4.42)
5.89
(7.38)
4.05
(34.53)
0.01
(1.08)
0.48
(10.12)
26.46
(20.32)
3.49
(31.58)
25.79
(7.30)
4.57
(14.41)
1.13
43.69
12
(0.62)
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
3
(0.05)
0
0.00
0
0.00
0
0.00
0
0.00
0.30
(1.01)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.32
(0.24)
0.00
0.00
0.00
0.00
0.00
0.00
0
0.00
112
(5.82)
5
(38.46)
56
(26.67)
1053
(6.56)
161
(4.20)
144
(31.79)
5
(50.00)
42
(45.16)
14
(0.24)
0
0.00
1527
(6.63)
59
(3.14)
4
(8.00)
2.88
(9.72)
0.09
(54.70)
4.37
(50.35)
19.50
(7.85)
7.28
(9.13)
4.07
(34.70)
0.21
(30.57)
3.12
(65.73)
0.67
(0.52)
0.00
(-0.04)
32.39
(9.17)
1.77
(5.58)
0.38
(14.56)
Claims pending
Claims intimated
Total Claims
Claims paid
Claims
Claims written
Claims pending
at start of year
/ booked
repudiated
back
at end of year
No of Benefit
No of Benefit
No of Benefit
No of Benefit
No of Benefit
No of Benefit
No of Benefit
Policies Amount Policies Amount Policies Amount Policies Amount Policies Amount Policies Amount Policies Amount
Aviva
Aegon Religare
Life Insurer
INDIVIDUAL DEATH CLAIMS
85
(75.89)
5
100.00
46
(82.14)
540
(51.28)
116
(72.05)
104
(72.22)
4
(80.00)
31
(73.81)
1
(7.14)
0
-
1097
(71.84)
31
(52.54)
3
(75.00)
<3
months
19
(16.96)
0
0.00
6
(10.71)
164
(15.57)
19
(11.80)
33
(22.92)
1
(20.00)
5
(11.90)
0
0.00
0
-
234
(15.32)
2
(3.39)
0.00
6
(5.36)
0
0.00
4
(7.14)
136
(12.92)
13
(8.07)
7
(4.86)
0
0.00
5
(11.90)
3
(21.43)
0
-
116
(7.60)
13
(22.03)
1
(25.00)
2
(1.79)
0
0.00
0
0.00
213
(20.23)
13
(8.07)
0
0.00
0
0.00
1
(2.38)
10
(71.43)
0
-
80
(5.24)
13
(22.03)
0.00

3-<6
6-<1
>1
months
year
year
112
(100.00)
5
(100.00)
56
(100.00)
1053
(100.00)
161
(100.00)
144
(100.00)
5
(100.00)
42
(100.00)
14
(100.00)
0
-
1527
(100.00)
59
100.00
4
100.00
Total
(Benefit Amount in ` Crore)
STATEMENT 12
106
187
Sahara
3839
13076
16915
Private Total
LIC
Industry Total
242.84
148.53
94.31
10.71
0.00
3.61
8.08
1.82
7.14
7.40
1.82
5.25
745520
664298
81222
3197
60
879
6877
544
8467
1207
5932
2102
6298.20
4900.90
1397.30
64.85
0.91
13.81
95.27
5.28
96.33
69.23
124.73
62.72
298
TATA AIG
Star Union Dai-ichi
287
287
Reliance Life
Shriram
139
MetLife
355
87
Max NewYork
SBI Life
178
762435
(100.00)
677374
(100.00)
85061
(100.00)
3495
(100.00)
60
(100.00)
1166
(100.00)
7232
(100.00)
731
(100.00)
8754
(100.00)
1346
(100.00)
6019
(100.00)
2280
(100.00)
6541.04
(100.00)
5049.43
(100.00)
1491.61
(100.00)
75.56
(100.00)
0.91
(100.00)
17.42
(100.00)
103.35
(100.00)
7.10
(100.00)
103.47
(100.00)
76.62
(100.00)
126.55
(100.00)
67.97
(100.00)
726109
(95.24)
653909
(96.54)
72200
(84.88)
2732
(78.17)
35
(58.33)
461
(39.54)
6022
(83.27)
461
(63.06)
7797
(89.07)
1111
(82.54)
3943
(65.51)
1983
(86.97)
5958.13
(91.09)
4799.55
(95.05)
1158.58
(77.67)
52.00
(68.82)
0.61
(67.03)
5.47
(31.40)
92.44
(89.44)
4.73
(66.55)
79.61
(76.94)
40.50
(52.86)
78.07
(61.69)
55.91
(82.27)
14693
(1.93)
8227
(1.21)
6466
(7.60)
452
(12.93)
3
(5.00)
230
(19.73)
1067
(14.75)
50
(6.84)
617
(7.05)
80
(5.94)
741
(12.31)
100
(4.39)
244.77
(3.74)
80.36
(1.59)
164.41
(11.02)
12.03
(15.92)
0.00
0.00
4.10
(23.53)
5.93
(5.74)
0.25
(3.49)
15.80
(15.27)
18.48
(24.12)
18.16
(14.35)
3.61
(5.31)
5741
(0.75)
5711
(0.84)
30
(0.04)
5
(0.14)
0
0.00
0
0.00
1
(0.01)
0
0.00
6
(0.07)
3
(0.22)
0
0.00
0
0.00
51.83
(0.79)
51.07
(1.01)
0.76
(0.05)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.04
(0.04)
0.10
(0.13)
0.00
0.00
0.00
0.00
15892
(2.08)
9527
(1.41)
6365
(7.48)
306
(8.76)
22
(36.67)
475
(40.74)
142
(1.96)
220
(30.10)
334
(3.82)
152
(11.29)
1335
(22.18)
197
(8.64)
286.31
(4.38)
118.45
(2.35)
167.86
(11.25)
11.53
(15.26)
0.30
(32.97)
7.85
(45.06)
4.98
(4.82)
2.13
(29.96)
8.02
(7.75)
17.54
(22.90)
30.32
(23.96)
8.45
(12.43)
Claims pending
Claims intimated
Total Claims
Claims paid
Claims
Claims written
Claims pending
at start of year
/ booked
repudiated
back
at end of year
No of Benefit
No of Benefit
No of Benefit
No of Benefit
No of Benefit
No of Benefit
No of Benefit
Policies Amount Policies Amount Policies Amount Policies Amount Policies Amount Policies Amount Policies Amount
Kotak Mahindra
Life Insurer
INDIVIDUAL DEATH CLAIMS
7871
(49.53)
3501
(36.75)
4370
(68.66)
268
(87.58)
22
(100.00)
250
(52.63)
126
(88.73)
120
(54.55)
118
(35.33)
138
(90.79)
1108
(83.00)
157
(79.70)
<3
months
3203
(20.15)
2282
(23.95)
921
(14.47)
34
(11.11)
0
0.00
115
(24.21)
3
(2.11)
36
(16.36)
3
(0.90)
13
(8.55)
214
(16.03)
20
(10.15)
2638
(16.60)
2148
(22.55)
490
(7.70)
2
(0.65)
0
0.00
85
(17.89)
3
(2.11)
27
(12.27)
48
(14.37)
0
0.00
13
(0.97)
8
(4.06)
2180
(13.72)
1596
(16.75)
584
(9.18)
2
(0.65)
0
0.00
25
(5.26)
10
(7.04)
37
(16.82)
165
(49.40)
1
(0.66)
0
0.00
12
(6.09)

3-<6
6-<1
>1
months
year
year
15892
(100.00)
9527
(100.00)
6365
(100.00)
306
(100.00)
22
(100.00)
475
(100.00)
142
(100.00)
220
(100.00)
334
(100.00)
152
(100.00)
1335
(100.00)
197
(100.00)
Total
107
54
48
33
Future Generali
HDFC Standard
ICICI Prudential
IDBI Federal
IndiaFirst
ING Vysya
0.34
0.00
0.00
2.74
0.12
2.63
0.00
0.00
0.00
0.00
3.97
0.01
0.00
213
49
1959
286
2259
911
26
38432
4572
3.55
0.00
0.04
35.61
2.36
16.74
0.00
0.00
11.31
0.57
64.33
11.57
0.00
Claims intimated
/ booked
No of Benefit
Lives Amount
DLF Pramerica
Birla Sunlife
Bharti AXA
Canara HSBC
955
Aviva
Bajaj Allianz
Claims pending
at start of year
No of Benefit
Lives Amount
Aegon Religare
Life Insurer
0.00
0.00
0.00
0.00
1863
(92.83)
286
(99.31)
2236
(96.67)
0
0.00
0
0.00
900
(98.79)
19
(73.08)
38988
(98.99)
4550
(99.37)
33.34
(86.94)
2.36
(95.17)
17.20
(88.80)
0.00
0.00
0.00
0.00
11.06
(97.75)
0.53
(93.95)
66.05
(96.70)
11.53
(99.59)
0.00
0.00
246
3.89
(100.00) (100.00)
0
0.00
230
(93.50)
0
0.00
3.46
(88.91)
0.00
0.00
49
0.04
49
0.04
(100.00) (100.00) (100.00) (100.00)
2007
38.35
(100.00) (100.00)
288
2.48
(100.00) (100.00)
2313
19.37
(100.00) (100.00)
0
0.00
0
0.00
911
11.31
(100.00) (100.00)
26
0.57
(100.00) (100.00)
39387
68.31
(100.00) (100.00)
4579
11.58
(100.00) (100.00)
0.00
0.00
No of Benefit
Lives Amount
Claims paid
1
0.00
1
(100.00) (100.00) (100.00)
No of Benefit
Lives Amount
Total Claims
7
(2.85)
0
0.00
0
0.00
92
(4.58)
1
(0.35)
10
(0.43)
0
0.00
0
0.00
11
(1.21)
7
(26.92)
26
(0.07)
25
(0.55)
0
0.00
0.17
(4.29)
0.00
0.00
0.00
0.00
1.99
(5.20)
0.02
(0.81)
0.43
(2.22)
0.00
0.00
0.00
0.00
0.25
(2.21)
0.03
(6.05)
0.20
(0.29)
0.03
(0.28)
0.00
0.00
Claims
repudiated
No of Benefit
Lives Amount
1
(0.41)
0
0.00
0
0.00
11
(0.55)
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0.00
(0.02)
0.00
0.00
0.00
0.00
0.74
(1.93)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0
0.00
Claims written
back
No of Benefit
Lives Amount
GROUP DEATH CLAIMS
8
(3.25)
0
0.00
0
0.00
41
(2.04)
1
(0.35)
67
(2.90)
0
0.00
0
0.00
0
0.00
0
0.00
373
(0.95)
4
(0.09)
0
0.00
<3
months
0.26
(6.78)
0.00
0.00
0.00
0.00
2.27
(5.93)
0.10
(4.03)
1.74
(8.98)
0.00
0.00
0.00
0.00
0.00
(0.04)
0.00
0.00
2.06
(3.02)
5
(62.50)
0
0.00
0
0.00
26
(63.41)
0
0.00
22
(32.84)
0
0.00
0
0.00
0
0.00
0
0.00
117
(31.37)
0.02
4
(0.14) (100.00)
0
0.00
0.00 (100.00)
Claims pending
at end of year
No of Benefit
Lives Amount
2
(25.00)
0
0.00
0
0.00
9
(21.95)
0
0.00
10
(14.93)
0
0.00
0
0.00
0
0.00
0
0.00
88
(23.59)
0
0.00
0
0.00
18
(26.87)
0
0.00
0
0.00
0
0.00
0
0.00
55
(14.75)
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
3
(7.32)
1
(12.50)
0
0.00
0
0.00
3
(7.32)
0
1
0.00 (100.00)
17
(25.37)
0
0.00
0
0.00
0
0.00
0
0.00
113
(30.29)
0
0.00
0
0.00

duration wise (Lives)
3-<6
6-<1
>1
months
year
year
8
(100.00)
0
0.00
0
0.00
41
(100.00)
1
100.00
67
(100.00)
0
0.00
0
0.00
0
0.00
0
0.00
373
(100.00)
4
(100.00)
0
0.00
Total
STATEMENT 13
108
525
2148
LIC
Industry Total
91619
887
16
94
26369
1867
1000
11478
1193
450.52
15.45
0.41
2.11
174.04
0.03
25.51
26.52
22.82
37.54
1869
(97.80)
954
(91.82)
10421
(90.71)
1157
(91.46)
25.59
(96.84)
25.82
(93.37)
19.87
(86.77)
35.62
(89.64)
No of Benefit
Lives Amount
Claims paid
82
(87.23)
25817
(96.95)
1.89
(89.57)
170.32
(92.74)
93242 476.67
(100.00) (100.00)
985
17.86
(100.00) (100.00)
90254
(96.80)
809
(82.13)
439.08
(92.12)
13.96
(78.20)
16
0.41
16
0.41
(100.00) (100.00) (100.00) (100.00)
94
2.11
(100.00) (100.00)
26630 183.65
(100.00) (100.00)
7
0.03
7
0.03
(100.00) (100.00) (100.00) (100.00)
1911
26.42
(100.00) (100.00)
1039
27.66
(100.00) (100.00)
11488
22.90
(100.00) (100.00)
1265
39.74
(100.00) (100.00)
No of Benefit
Lives Amount
Total Claims
29.50 307003 1649.27 309151 1678.77 305739 1634.36

(100.00) (100.00) (98.90) (97.36)
3.34 215384 1198.75 215909 1202.09 215485 1195.28

(100.00) (100.00) (99.80) (99.43)
26.16
2.41
0.00
0.00
9.61
0.00
0.91
1.14
0.08
2.19
Claims intimated
/ booked
No of Benefit
Lives Amount
1623
98
TATA AIG
Private Total
Star Union Dai-ichi
Sahara
44
Reliance Life
Shriram
39
MetLife
261
10
Max New York
SBI Life
72
Claims pending
at start of year
No of Benefit
Lives Amount
Kotak Mahindra
Life Insurer
1520
(0.49)
21
(0.01)
1499
(1.61)
80
(8.12)
0
0.00
0
0.00
779
(2.93)
0
0.00
6
(0.31)
25
(2.41)
420
(3.66)
10
(0.79)
20.92
(1.25)
0.28
(0.02)
20.64
(4.33)
1.68
(9.43)
0.00
0.00
0.00
0.00
12.17
(6.63)
0.00
0.00
0.16
(0.59)
0.91
(3.28)
1.37
(5.98)
1.23
(3.10)
Claims
repudiated
No of Benefit
Lives Amount
20
(0.01)
0
0.00
20
(0.02)
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
2
(0.10)
6
(0.58)
0
0.00
0
0.00
0.89
(0.05)
0.00
0.00
0.89
(0.19)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.01
(0.02)
0.14
(0.52)
0.00
0.00
0.00
0.00
Claims written
back
No of Benefit
Lives Amount
GROUP DEATH CLAIMS
1872
(0.61)
403
(0.19)
1469
(1.58)
96
(9.75)
0
0.00
12
(12.77)
34
(0.13)
0
0.00
34
(1.78)
54
(5.20)
647
(5.63)
98
(7.75)
22.59
(1.35)
6.53
(0.54)
16.06
(3.37)
2.21
(12.38)
0.00
0.00
0.22
(10.43)
1.16
(0.63)
0.00
0.00
0.67
(2.55)
0.78
(2.83)
1.66
(7.25)
2.88
(7.26)
Claims pending
at end of year
No of Benefit
Lives Amount
1236
(66.03)
193
(47.89)
1043
(71.00)
62
(64.58)
0
0.00
12
100.00
20
(58.82)
0
0.00
9
(26.47)
46
(85.19)
634
(97.99)
86
(87.76)
<3
months
247
(13.19)
83
(20.60)
164
(11.16)
26
(27.08)
0
0.00
0
0.00
1
(2.94)
0
0.00
0
0.00
8
(14.81)
13
(2.01)
7
(7.14)
211
(11.27)
65
(16.13)
146
(9.94)
6
(6.25)
0
0.00
0
0.00
4
(11.76)
0
0.00
1
(2.94)
0
0.00
0
0.00
2
(2.04)
178
(9.51)
62
(15.38)
116
(7.90)
2
(2.08)
0
0.00
0
0.00
9
(26.47)
0
0.00
24
(70.59)
0
0.00
0
0.00
3
(3.06)

duration wise (Lives)
3-<6
6-<1
>1
months
year
year
1872
(100.00)
403
(100.00)
1469
(100.00)
96
(100.00)
0
0.00
12
100.00
34
(100.00)
0
0.00
34
(100.00)
54
(100.00)
647
(100.00)
98
(100.00)
Total
Aegon Religare
Aviva
Bajaj Allianz
Bharti AXA
Birla Sunlife
Canara HSBC
DLF Pramerica
Future Generali
HDFC Standard
ICICI Prudential
IDBI Faderal
IndiaFirst
ING Vysya
Kotak Mahindra
Max New York
MetLife
Reliance Life
Sahara
SBI Life
Shriram
Star Union Dai-ichi
TATA AIG
Private Total
LIC
Industry Total
Life Insurer
11
1474
7567
156
4676
10
2
38
1977
10740
59
7
862
1078
1293
393
6979
12
4205
123
1
1705
43368
457655
501023
0.53
21.83
93.22
1.59
71.75
0.22
0.00
0.47
26.95
165.25
1.44
0.07
10.01
32.23
19.19
9.66
62.68
0.08
54.45
1.32
0.02
26.09
599.04
3345.12
3944.16
Within 30 Days of
Intimation
No. of
Benefit
Policies
Amount
10
115
9524
147
577
19
2
78
1062
2231
28
0
543
431
1632
444
681
146
1443
168
18
935
20234
95463
115697
No. of
Policies
0.20
2.50
143.85
3.73
29.25
0.72
0.47
1.85
20.59
28.01
0.88
0.00
9.25
10.30
35.55
20.42
12.85
1.31
28.51
1.99
0.43
19.87
372.52
707.60
1080.12
Benefit
Amount
31 to 90 Days
2
23
2964
69
16
6
0
54
314
1016
17
0
234
465
943
220
72
171
294
143
15
92
7130
60148
67278
No. of
Policies
0.30
0.43
50.87
1.94
1.62
0.17
0.00
1.08
14.43
15.56
0.38
0.00
4.07
13.25
20.84
8.12
2.37
1.78
7.05
1.85
0.16
6.04
152.31
445.83
598.14
Benefit
Amount
1
13
215
9
5
1
0
6
115
462
0
0
72
3
75
52
58
103
45
18
1
0
1254
35203
36457
No. of
Policies
0.05
0.24
5.88
0.31
0.14
0.05
0.00
0.21
3.28
8.34
0.00
0.00
1.48
0.05
2.48
2.26
1.56
1.23
1.41
0.17
0.01
0.00
29.14
260.93
290.07
Benefit
Amount
Duration
91 to 180 Days
181 Days to 1 Year
0
10
46
1
1
0
0
0
29
30
0
0
9
6
0
2
7
29
35
9
0
0
214
5440
5654
No. of
Policies
STATEMENT 14
0.00
0.37
1.10
0.01
0.01
0.00
0.00
0.00
1.33
0.87
0.00
0.00
0.11
0.09
0.00
0.04
0.15
0.33
1.02
0.14
0.00
0.00
5.57
40.07
45.64
Benefit
Amount
24
1635
20316
382
5275
36
4
176
3497
14479
104
7
1720
1983
3943
1111
7797
461
6022
461
35
2732
72200
653909
726109
1.07
25.37
294.92
7.57
102.76
1.15
0.48
3.61
66.58
218.04
2.70
0.07
24.91
55.91
78.07
40.50
79.61
4.73
92.44
5.47
0.61
52.00
1158.58
4799.55
5958.13
Total Claims
Settled
No. of
Benefit
Policies
Amount

More than 1 Year
DURATION WISE SETTLEMENT OF DEATH CLAIMS - INDIVIDUAL CATEGORY
109
Aegon Religare
Aviva
Bajaj Allianz
Bharti AXA
Birla Sunlife
Canara HSBC
DLF Pramerica
Future Generali
HDFC Standard
ICICI Prudential
IDBI Federal
IndiaFirst
ING Vysya
Kotak Mahindra
Max New York
MetLife
Reliance Life
Sahara
SBI Life
Shriram
Star Union Dai-ichi
TATA AIG
Private Total
LIC
Industry Total
Life Insurer
1
4466
33518
9
865
0
0
733
286
1693
49
0
130
728
9362
801
1820
1
24389
66
5
406
79328
215044
294372
0.00
11.10
51.65
0.12
10.45
0.00
0.00
4.88
2.36
26.51
0.04
0.00
2.00
25.05
17.82
23.28
23.76
0.00
135.74
1.56
0.04
4.94
341.29
1189.90
1531.19
Within 30 Days of
Intimation
No. of
Benefit
Lives
Amount
0
62
4545
10
34
0
0
1028
0
99
0
0
75
265
945
110
36
5
989
15
2
269
8489
202
8691
No. of
Lives
0.00
0.37
11.47
0.41
0.61
0.00
0.00
3.39
0.00
3.58
0.00
0.00
1.13
7.00
1.85
1.91
1.61
0.02
23.52
0.33
0.13
6.58
63.92
1.99
65.91
Benefit
Amount
31 to 90 Days
0
12
633
0
1
0
0
357
0
54
0
0
22
122
112
33
9
1
163
1
8
122
1650
85
1735
No. of
Lives
0.00
0.02
2.02
0.00
0.01
0.00
0.00
4.08
0.00
2.40
0.00
0.00
0.32
2.75
0.20
0.50
0.18
0.00
3.72
0.00
0.20
2.32
18.72
0.93
19.65
Benefit
Amount
0
7
212
0
0
0
0
82
0
13
0
0
2
8
2
9
2
0
75
0
1
6
419
142
561
No. of
Lives
0.00
0.03
0.71
0.00
0.00
0.00
0.00
2.46
0.00
0.55
0.00
0.00
0.01
0.17
0.00
0.11
0.01
0.00
1.35
0.00
0.04
0.08
5.52
2.23
7.75
Benefit
Amount
Duration
91 to 180 Days
181 Days to 1 Year
0
3
80
0
0
0
0
36
0
4
0
0
1
34
0
1
2
0
201
0
0
6
368
12
380
No. of
Lives
STATEMENT 15
0.00
0.01
0.21
0.00
0.00
0.00
0.00
2.39
0.00
0.30
0.00
0.00
0.01
0.65
0.00
0.02
0.01
0.00
5.98
0.00
0.00
0.05
9.63
0.23
9.86
Benefit
Amount
1
4550
38988
19
900
0
0
2236
286
1863
49
0
230
1157
10421
954
1869
7
25817
82
16
809
90254
215485
305739
0.00
11.53
66.05
0.53
11.06
0.00
0.00
17.20
2.36
33.34
0.04
0.00
3.46
35.62
19.87
25.82
25.59
0.03
170.32
1.89
0.41
13.96
439.08
1195.28
1634.36
Total Claims
Settled
No. of
Benefit
Lives
Amount

More than 1 Year
DURATION WISE SETTLEMENT OF DEATH CLAIMS - GROUP CATEGORY
110
496.61
504.84
526.27
211.37
473.20
230.57
663.98
510.40
207.90
138.43
171.97
116.99
71.04
40.02
24.04
47.38
40.81
72.71
27.59
17.36
14.41
0.00
4607.90
66673.33
843.82
681.34
1326.27
765.19
368.68
575.69
688.31
761.85
1126.00
414.21
188.39
268.53
489.14
241.60
448.66
284.07
109.44
211.52
775.20
963.57
1542.24
1045.11
775.97
1062.53
316.58
103.38
119.98
169.44
311.12
281.46
262.98
128.72
174.99
99.62
135.50
113.01
98.47
45.72
68.92
70.16
44.57
41.18
29.06
23.19
27.88
73.69
170.91
76.56
59.74
17.94
58.20
37.78
62.57
47.68
70.46
27.21
69.52
28.14
5.29
5.87
23.67
10.03
7.83
38.69
0.00
101.41
6683.53
5176.99
7755.94
72439.15 153870.47 181260.81
34.70
34.16
143.35
16.00
24.88
1.41
92.80
5.00
47.73
12.05
61.08
0.00
5.44
10.05
7.59
12.00
5.02
0.00
3.80
3.04
4.59
0.00
524.70
51260.39
98.28
2536.60
4451.08
1.30
2480.87
3487.93
115.16
3109.73
4326.29
11.25
868.61
1452.77
23.68
2123.94
2832.47
1.52
882.95
1216.32
13.37
3644.43
4800.63
2.79
2945.69
4582.34
11.27
794.72
1030.52
9.13
754.08
886.92
117.31
813.57
1116.36
0.00
551.21
496.71
12.72
280.99
380.40
5.76
195.92
237.43
2.66
115.14
137.43
4.44
316.61
288.55
0.72
175.10
279.30
4.30
310.14
234.01
4.25
125.07
368.11
0.08
79.12
85.26
10.21
58.90
117.56
38.03
0.00
328.98
488.24 23163.39 33137.37
56592.18 629650.40 732612.82
56103.94 606487.01 699475.45

56103.94 606487.01 699475.45
75.54
139.86
121.44
462.58
491.20
598.96
9.83
0.00
325.62
337.10
69.99
145.13
439.48
429.36
725.74
1193.44
121.25
119.96
95.26
139.19
128.87
149.09
0.00
6.58
63.64
73.11
16.68
29.89
14.86
10.11
35.17
43.18
0.00
61.59
15.50
15.47
0.00
51.50
0.00
0.00
9.37
9.34
0.00
0.00
2759.42
4015.44
88755.04 113773.47
50735.69
50735.69
HDFC Standard
1248.42
2042.86
Max New York
1451.75
1683.17
ICICI Prudential
1187.06
1797.86
Birla Sun Life
443.02
758.78
TATA AIG
1058.64
1533.89
Kotak Mahindra
471.54
574.08
SBI Life
1484.59
2040.46
Bajaj Allianz
928.58
1278.47
MetLife
314.46
462.72
Reliance Life
197.22
287.69
ING Vysya
322.94
411.99
AVIVA Life
298.72
277.50
Sahara
95.14
127.17
Shriram
84.61
90.43
Bharti AXA
45.46
67.72
IDBI Federal
51.16
90.67
Future Generali
111.33
99.05
Canara HSBC
159.36
128.78
Star Union Dai-ichi
66.48
172.38
DLF Pramerica
53.43
51.18
Aegon Religare
20.49
66.52
IndiaFirst
0.00
150.85
TOTAL PRIVATE SECTOR (B) 10094.38 14194.22
INDUSTRY TOTAL (A+B)
269091.17 308547.21
65755.62 148693.48 173504.87

65755.62 148693.48 173504.87
85995.62 109758.03
85995.62 109758.03
258996.79 294352.98
258996.79 294352.98
LIC
TOTAL PUBLIC SECTOR (A)
62065.43
62065.43
LIFE FUND
Central Govt State Govt & Other
Infrastructure
Approved
Other
Total (Life Fund)
Securities
Approved Securities
Investments
Investments
Investments
31-Mar-09 31-Mar-10 31-Mar-09 31-Mar-10 31-Mar-09 31-Mar-10 31-Mar-09 31-Mar-10 31-Mar-09 31-Mar-10 31-Mar-09 31-Mar-10
(` Crore)
STATEMENT 16
Insurer
ASSETS UNDER MANAGEMENT OF LIFE INSURERS
111
44944.06
44944.06
250.30
33.53
349.13
38.49
151.65
23.08
979.30
54.11
24.50
0.00
60.69
0.00
0.51
0.00
0.00
0.02
9.17
0.00
0.03
0.00
0.00
0.00
1974.51
46918.58
HDFC Standard
Max New York
ICICI Prudential
Birla Sun Life
TATA AIG
Kotak Mahindra
SBI Life
Bajaj Allianz
MetLife
Reliance Life
ING Vysya
AVIVA Life
Sahara
Shriram
Bharti AXA
IDBI Federal
Future Generali
Canara HSBC
Star Union Dai-ichi
DLF Pramerica
Aegon Religare
IndiaFirst
TOTAL PRIVATE SECTOR (B)
31-Mar-09
282.43
36.23
648.57
39.93
162.00
22.18
1824.85
202.79
44.48
0.00
117.23
0.64
0.50
0.03
0.00
0.06
15.38
5.70
6.90
0.00
0.00
0.00
3409.89
52973.07
49563.18
49563.18
31-Mar-10
Central Govt Securities
LIC
Insurer
12.73
3.81
221.48
7.61
46.36
2.32
839.73
22.46
4.08
0.00
27.20
0.00
0.06
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
1187.84
18434.55
17246.71
17246.71
31-Mar-09
81.70
4.87
71.75
7.65
59.61
8.59
1126.22
45.28
5.02
0.00
52.14
0.37
0.06
0.00
0.00
0.01
6.87
0.00
3.15
0.00
0.00
0.00
1473.30
23224.35
21751.06
21751.06
31-Mar-10
312.31
11.35
396.51
56.69
166.45
14.72
2532.51
75.98
0.03
0.00
83.62
0.00
0.19
0.00
0.00
0.00
4.35
0.00
0.01
0.00
0.00
0.00
3654.72
48598.49
44943.78
44943.78
31-Mar-09
290.89
13.99
447.21
62.12
180.12
17.08
3737.58
190.23
18.17
0.00
180.24
0.23
0.36
0.00
0.00
0.03
5.32
0.64
11.05
0.00
0.00
0.00
5155.26
64725.79
59570.53
59570.53
31-Mar-10
PENSION & GENERAL ANNUITY FUND

State Govt & Other
Approved
Approved Securities
Investments
575.35
48.69
967.12
102.79
364.46
40.12
4351.53
152.55
28.61
0.00
171.51
0.00
0.76
0.00
0.00
0.03
13.52
0.00
0.04
0.00
0.00
0.00
6817.07
113951.62
107134.55
107134.55
655.02
55.09
1167.53
109.69
401.73
47.85
6688.65
438.30
67.67
0.00
349.61
1.24
0.92
0.03
0.00
0.10
27.57
6.34
21.10
0.00
0.00
0.00
10038.45
140923.21
130884.76
130884.76
Total (Pension &

General Annuity & Group Fund)
Investments
31-Mar-09
31-Mar-10
(` Crore)
Cont'd... STATEMENT 16
112
6658.35
2702.57
25956.16
7213.30
2255.16
2974.99
5325.57
12481.29
1660.26
4984.98
1336.89
3059.84
171.57
482.70
157.67
263.75
84.71
194.43
8.17
2.30
13.91
0.00
77988.58
151489.89
LIC
HDFC Standard
Max New York
ICICI Prudential
Birla Sun Life
TATA AIG
Kotak Mahindra
SBI Life
Bajaj Allianz
MetLife
Reliance Life
ING Vysya
AVIVA Life
Sahara
Shriram
Bharti AXA
IDBI Federal
Future Generali
Canara HSBC
Star Union Dai-ichi
DLF Pramerica
Aegon Religare
IndiaFirst
TOTAL PRIVATE SECTOR (B)
14402.53
5919.28
46900.16
12760.23
5602.53
5276.72
15891.14
26497.09
4416.25
11886.06
2671.61
5564.85
426.42
1089.98
714.08
762.92
273.96
1008.49
466.87
27.94
120.77
159.90
162839.78
293113.83
31-Mar-10
130274.06
130274.06
Approved Investments
31-Mar-09
73501.31
73501.31
Insurer
525.79
332.31
2657.78
628.33
164.53
55.81
1118.46
1584.02
445.57
567.40
238.48
309.41
33.31
62.90
41.33
13.91
0.00
19.45
0.79
0.25
2.68
0.00
8802.49
21272.87
31-Mar-09
12470.38
12470.38
902.83
658.66
4569.09
1415.61
549.20
169.13
1196.16
1917.53
436.16
879.00
532.44
473.71
48.23
94.14
78.22
51.10
26.32
67.95
17.87
2.87
11.25
13.59
14111.07
38504.78
31-Mar-10
24393.71
24393.71
Other Investments
UNIT LINKED FUND
7184.14
3034.88
28613.94
7841.64
2419.69
3030.80
6,444.03
14065.31
2105.83
5552.38
1575.37
3369.25
204.87
545.60
199.00
277.66
84.71
213.88
8.96
2.55
16.58
0.00
86791.07
172762.76
31-Mar-09
85971.69
85971.69
15305.36
6577.94
51469.25
14175.84
6151.73
5445.85
17087.31
28414.62
4852.42
12765.06
3204.05
6038.56
474.65
1184.12
792.30
814.02
300.28
1076.44
484.74
30.81
132.02
173.49
176950.85
331618.62
31-Mar-10
154667.77
154667.77
Total (ULIP Funds)
10296.09
5564.44
32690.79
8813.04
4908.09
3953.87
14439.99
17163.55
2929.16
6306.46
2560.44
3920.45
486.62
741.52
314.14
594.30
273.33
524.02
134.08
81.67
75.48
0.00
116771.54
916364.78
31-Mar-09
799593.24
799593.24
20411.47
10120.96
56963.07
15738.31
9385.93
6710.01
28576.58
33435.26
5950.60
13651.98
4670.02
6536.50
855.97
1421.58
929.73
1102.67
607.15
1316.79
873.95
116.07
249.58
502.47
220126.66
1205154.64
31-Mar-10
985027.98
985027.98
Total (All Funds)
(` Crore)
113

STATEMENT 17
EQUITY SHARE CAPITAL OF LIFE INSURERS

(` Crore)
Name of the insurer
As on
31st March,
2009
Infusion
During
the year
As on
31st March,
2010
Foreign
Promoter
Indian
Promoter
FDI
(%)
HDFC Standard
1795.82
172.18
1968.00
511.68
1456.32
26.00
ICICI Prudential
1427.26
0.89
1428.14
370.78
1057.36
25.96
Max New York
1782.43
56.39
1838.82
478.09
1360.73
26.00
Kotak Mahindra
510.29
0.00
510.29
132.68
377.61
26.00
Birla Sun Life
1879.50
90.00
1969.50
512.07
1457.43
26.00
TATA AIG
1519.50
401.00
1920.50
499.33
1421.17
26.00
SBI Life
1000.00
0.00
1000.00
260.00
740.00
26.00
ING Vysya
1019.15
0.00
1019.15
264.98
754.17
26.00
MetLife
1580.00
194.79
1774.79
461.44
1313.34
26.00
150.71
0.00
150.71
39.18
111.53
26.00
Reliance
1162.33
2.31
1164.65
0.00
1164.65
0.00
Aviva
1491.80
397.00
1888.80
491.09
1397.71
26.00
Sahara
232.00
0.00
232.00
0.00
232.00
0.00
Shriram
125.00
0.00
125.00
32.50
92.50
26.00
Bharti AXA
668.43
462.92
1131.35
251.41
879.94
22.22
Future Generali
468.50
233.50
702.00
179.01
522.99
25.50
IDBI Federal
450.00
0.00
450.00
117.00
333.00
26.00
Canara HSBC
400.00
100.00
500.00
130.00
370.00
26.00
DLF Pramerica
137.05
84.25
221.30
57.54
163.76
26.00
Aegon Religare
300.00
270.00
570.00
148.20
421.80
26.00
Star Union Dai-ichi
150.00
100.00
250.00
65.00
185.00
26.00
200.00
200.00
52.00
148.00
26.00
18249.77
2765.22
21014.99
5053.98
15961.01
24.05
5.00
0.00
5.00
0.00
5.00
0.00
18254.77
2765.22
21019.99
5053.98
15966.01
24.04
Bajaj Allianz
IndiaFirst*
Sub Total (Private Sector)
LIC
Total (Life)
Note : * Insurer has commenced operations in 2009-10
114

STATEMENT 18
SOLVENCY RATIO OF LIFE INSURERS

Insurer
March,
2009
June,
2009
September,
2009
December,
2009
March,
2010
Aegon Religare
1.93
2.14
1.93
2.07
2.66
Aviva
5.91
3.61
5.23
5.59
5.12
Bajaj Allianz
2.62
2.35
2.53
2.59
2.68
Bharti AXA
2.07
2.16
2.58
1.86
1.68
Birla Sun Life
2.44
1.94
1.96
1.75
2.11
Canara HSBC
5.74
4.45
3.26
3.89
2.58
DLF Pramerica
1.71
1.53
1.59
1.74
1.67
Future Generali
3.17
1.99
2.25
2.32
2.34
HDFC Standard
2.58
2.32
2.14
1.95
1.80
ICICI Prudential
2.31
2.54
2.57
2.89
2.90
IDBI Federal
6.11
5.67
5.33
4.91
4.05
IndiaFirst *
NA
NA
NA
7.77
5.27
ING Vysya
2.26
2.96
2.32
1.82
1.79
Max New York
3.04
2.43
2.22
1.90
3.22
MetLife
2.27
1.76
1.82
1.65
1.65
Kotak Mahindra
2.69
3.02
3.07
3.05
2.79
Reliance
2.50
2.25
2.22
1.91
1.86
Sahara India
3.60
4.04
4.33
4.51
4.50
SBI Life
2.92
2.73
2.64
2.52
2.17
Shriram
3.05
2.91
2.63
2.61
2.69
Star Union Dai-ichi
2.53
7.89
7.66
7.77
7.46
TATA AIG
2.51
1.91
2.05
1.80
2.11
1.54
1.74
1.72
1.66
1.54
PRIVATE INSURERS
PUBLIC INSURER
LIC
* Started business during 2009-10.

Source : Actuarial Report and Abstract as on 31.03.2009 & 31.03.2010 and respective quarterly Solvency Statements.
NA: Not Applicable
115
116
38845
32790
(111613)
(27083)
(6)
1709
76399
462705
48179
124876
52157
241291
(34109)
141402
(426)
1435
47975
992261
51620
132675
173670
64644
212457
(1235)
275865
13169
13169
2862
10308
13169
184295
113878
683250
(7599)
789529
18438
18438
1491
16947
18438
615
457180
(5517)
550566
(8029)
BIRLA SUN LIFE

2009-10 2008-09
Note : * Represents mathematical reserves after allocation of bonus

Figures in brackets represents negative values
Premiums earned net

(a) Premium
(b) Reinsurance ceded
(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)
(d) Transfer/Gain on revaluation/change in fair value
(e) Amortization of Premium/Discount on Investments
(f) Appropriation/Expropriation Adjustment Account
Unrealised Gains/Loss
Other Income
Transfer from Shareholders Account
Unit Linked Recoveries
TOTAL (A)
Commission
Operating Expenses related to Insurance Business
Provision for doubtful debts
Adjustment related to previous year
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
(c) Amount accepted in Reinsurance
(d) Transfer to Linked Fund (Fund Reserve)
TOTAL ( C )
SURPLUS/ (DEFICIT) (D) =(A)-(B)-(C)
Prior Period Items
Balance at the beginning of the year
Transfer from Linked Fund (Lapsed Policies)
Surplus available for appropriations
APPROPRIATIONS
Transfer to Shareholders Account
Funds for future appropriations (Reserve for lapsed unit
linked policies unlikely to be revived)
Balance being funds for future appropriations-Policyholders
Balance being funds for future appropriations-Previous year
Balance transferred to Balance Sheet
TOTAL (D)
PARTICULARS
201503
51508
71733
78262
75078
17948
53785
3344
75078
53785
71733
201503
644880
21293
424219
346172
220656
5
2114
3012187
129770
2291183
316907
720999
5
(305)
1012345
69999
274059
160
(557821)
381
94857
(2702)
1294821
422
52550
3458864
60297
256915
114414
157903
(329367)
1535622
(3803)
136165
393183
(63470)
1653188
(5292)
ICICI PRUDENTIAL
2009-10 2008-09
2653
1991
661
2653
661
221251
1991
196597
104
58803
24544
7
282045
12076
46727
1499
14630
15559
39112
(6751)
54139
164265
(409)
LIC
2009-10 2008-09
34053
31838
6719788 5658279
1017242
508993
(192374) (190329)
3694853 (1699371)
1909
2366998
5247814
77223
12256
2756324
7913066
100354
11722395 10771117
334848
93177
362529
50455
1008
(1388)
2049
347
1008
2049
103092
103092
103092
92912
92912
92912
7276923 1472001
78314 27012738 17568156
(1041)
103092
92912
65026
(89)
57652
13371
7
223
134926 29872155 20028065

11038 1211031 1003324
46392 1224582
906429
(104530)
27311
2249
20840
10244
6432
(34378)
(13933)
144228 18607731 15728804

(758)
(9492)
(10091)
352
(57)
ING VYSYA
2009-10 2008-09
16664
2850
5864
5329
9036
19094
7950
16664
208745
16664
134542
6028
219159
68127
663
444568
42489
176007
3555
61490
44518
20341
(54725)
(182065)
(383)
556469
(4632)
4729
19094
1083920
19094
952640
(2546)
203454
133789
37
1306468
52550
150904
3029
35594
62142
94552
(16419)
428328
(458)
4136
700510
(4947)
HDFC STANDARD
2009-10 2008-09
LIFE INSURERS : POLICYHOLDERS ACCOUNT
16564
6229
10335
16564
1695
477487
14869
419620
(1050)
192602
58917
20
684959
42121
150439
22
46
5862
32384
72233
(9806)
102913
1241
486054
(5968)
2796
1695
1101
2796
4335
197878
(1539)
176276
(480)
200986
22082
6
794
397324
39158
160896
132
95
37158
21178
12000
(41177)
(14411)
577
385726
(3823)
MAX NEW YORK

2009-10 2008-09
10264
8677
1587
10264
1587
800509
8677
731162
226459
69342
5
1035645
62785
163673
864
30534
24497
67713
(18375)
270262
1316
660490
(1656)
1587
1587
1587
250681
1587
235123
252778
15553
5
791
505047
59691
192297
240
110618
12204
6418
(79813)
(40188)
4035
493254
(1720)
RELIANCE LIFE
2009-10 2008-09
62684
10237
52448
10720
11004
62684
1434932
1821007
40961
122952
279951
263020
104
6531
2141918
96257
177163
2816
6945
64538
334710
(49701)
643474
1141971
(2835)
21044
9908
10720
415
21044
9494
311113
460461
11550
73692
294311
75651
5
1577
766322
105155
187579
11910
16391
41288
45921
(217401)
(191895)
1062452
(2345)
BAJAJ ALLIANZ LIFE

2009-10 2008-09
(` Lakh)
STATEMENT 19
117
114663
39675
402380
(566)
441488
10845
77
10923
10111
812
10923
129237
85144
1371721
(90)
1456775
19426
812
20237
17775
2462
20237
(1184)
(21)
6634
566996
46788
62050
1605438
75825
66090
(13679)
403
15820
4923
374
52745
36747
(196338)
(62619)
77248
254992
(42428)
302655
1022
721210
(971)
1010403
(2355)
SBI LIFE
2009-10 2008-09

Premiums earned net

(a) Premium
Other Income
TOTAL (A)
Commission
Provision for Tax
(b) Others
TOTAL (B)
Benefits Paid (Net)
(a) Gross*
TOTAL ( C )
Prior Period Items
APPROPRIATIONS
Funds for future appropriations (Reserve for lapsed
unit linked policies unlikely to be revived)
TOTAL (D)
PARTICULARS
5541
380
7942
528
17276
2021
7942
9663
7085
17276
370
66594
108395
7572
230754
302082
16896
380
17497
83583
24304
268
199551
22543
60767
286
3013
17108
13704
(57479)
(7855)
234319
(3545)
21659
73458
49668
(717)
392437
16792
57384
290
1770
26006
35815
(8651)
52223
286805
(1820)
KOTAK MAHINDRA
2009-10 2008-09
5135
1731
3403
3867
5135
377556
474276
1268
64403
(141)
131357
32458
606901
28085
102631
641
3196
44339
29607
20203
(12567)
173968
349378
(1222)
321
(3459)
3780
281
321
56695
134031
40
62805
(151)
131795
14683
484
265866
23978
107119
214
2728
62420
21253
6459
(28193)
(72256)
274750
(1294)
TATA AIG
2009-10 2008-09
(166383)
(162007)
4301
74
(162007)
(136394)
315284
(25613)
297274
(568)
97450
18573
6
387121
29251
68199
114181
622
11934
9763
253601
(2980)
(136394)
(134162)
2167
65
(134162)
(80318)
117334
(53844)
110326
(663)
98602
7669
2
356
162092
34956
63290
(39367)
191
(4107)
7547
199664
(1837)
METLIFE
2009-10 2008-09
9046
2752
6243
51
9046
6243
320967
2803
258208
(397)
86848
63094
62
410618
15829
71019
36002
18738
10085
(5027)
114670
237801
(1651)
6296
6243
53
6296
111296
6296
91519
(391)
93174
20116
52
588
210766
15196
77390
51984
15240
2242
(3249)
(53158)
199287
(1580)
AVIVA
2009-10 2008-09
770
770
770
26978
34879
770
6421
(3)
6241
1483
172
41890
2368
3700
19
19
19
6821
11740
19
4303
(2)
6542
618
140
13
18301
2415
3973
27
1670
(0)
2
34
(5678)
1263
379
20647
(7)
14331
1791
680
25059
(7)
SAHARA
2009-10 2008-09
324
181
143
324
192
63852
74631
132
4181
19048
6595
3
24269
80
3324
(1566)
93811
6649
12399
3276
4344
(975)
61127
(67)
256
192
65
256
23
17269
20123
233
1421
12442
1430
3
62
(11623)
29
516
(1193)
32799
5599
6782
(674)
2175
43617
(49)
SHRIRAM
2009-10 2008-09
(47729)
(47729)
(47729)
62595
(47729)
61979
(277)
72397
893
87263
6346
66051
244
695
236
789
6546
(639)
12648
66973
(229)
(41515)
(41515)
(41515)
15520
(41515)
15385
(126)
60766
262
306
34771
3873
56587
547
1215
252
55
(304)
(2941)
36041
(93)
BHARTI AXA
2009-10 2008-09
(` Lakh)
118
120
53
(52)
80
11
26341
41351
2204
27186
1325
1100
(131)
2890
207
36837
95712
12945
44146
29522
220
11867
(258)
11828
57091
1398
37223
(0)
38621
132
15260
(463)
54151
(667)
FUTURE GENERALI
2009-10
2008-09

# Commenced operations in 2009-10
Premiums earned net

(a) Premium
Other Income
TOTAL (A)
Commission
Provision for Tax
(b) Others
TOTAL (B)
Benefits Paid (Net)
(a) Gross*
TOTAL ( C )
Prior Period Items
APPROPRIATIONS
Funds for future appropriations (Reserve for lapsed
unit linked policies unlikely to be revived)
TOTAL (D)
PARTICULARS
61239
61166
(278)
19269
351
80508
4419
14850
0
12299
2995
6256
(1140)
3011
59
127
57112
(210)
29204
29245
(117)
13529
76
69
42733
1545
11915
0
11611
703
862
(2392)
89
7
31897
(43)
IDBI FEDERAL
2009-10
2008-09
2071
(15427)
(15427)
5
(15432)
(15427)
(23666)
121
(23787)
(23666)
2096
(41)
16492
15
60
3135
219
16213
15
13
(39)
35
4
3121
(13)
12394
(23666)
12633
(289)
29118
50
17846
1236
27882
136
864
(191)
490
39
29
16565
(86)
AEGON RELIGARE
2009-10
2008-09
93229
92818
(23)
39571
433
132800
20337
19235
26114
230
1873
4207
(258)
16645
84245
(254)
24571
24507
25599
64
141
50170
10565
14893
21086
197
144
(129)
(742)
29641
(27)
CANARA HSBC
2009-10
2008-09
2896
2921
11000
(25)
13896
429
10571
9794
44
43
(19)
186
0
9
3844
(4)
259
259
4097
34
4356
8
4055
4015
4
1
(2)
3
0
337
(0)
DLF PRAMERICA
2009-10
2008-09
(1972)
(1972)
(3405)
(3405)
(1972)
3911
(1972)
3911
3113
5052
676
2436
31
1
1
5019
(0)
(3405)
49009
(3405)
48905
(28)
10563
132
56166
3928
6635
1476
87
721
1056
(183)
53037
(28)
17488
2
17472
8278
17
25769
1456
6822
18
5095
33
55
(4)
413
20160
(0)
STAR UNION DAI-ICHI INDIAFIRST#

2009-10
2008-09
2009-10
(10185)
281
56939
(42372)
14870
250275
5331
126607
80224
(189641)
250275
12759
58254
55834
(151447)
56939
81539
1930493
20716753
66842
9410994
38534994
277777
227754
12869974
1907
6059594
851457
(1351762)
(2373988)
4233
160
(608780)
56198
617443
(1193)
25389242
1549598
2583190
27657
(1184)
6
344515
93177
6779
1909
4605647
5837029
77350
22178547
(42610)
(57)
19478781
(13185)
7283744
2616044
(463219)
6029502
1771
2066
1434747
53865
370356
(1566)
43822493
1814631
2880694
(103867)
(21)
20
369950
50455
(14396)
12256
5009722
9557820
100583
26545037
(50208)
352
TOTAL
2009-10
2008-09
(` Lakh)
177
119
1161
94857
85
14630
202
20840
339
(16)
(16)
95719
35594
40
8116
35
(26)
(5)
492
2891
(359)
139
3024
7950
61490
53
11246
10781
14319
129
(99)
710
3241
10335
Note:Figure in brackets indicate the negative values.
Profit carried to the Balance Sheet
(e) Transfer to reserves/ other accounts
(d) Dividend distribution on tax
(c) Proposed final dividend
(b) Interim dividends paid during the year
(a) Balance at the beginning of the year
APPROPRIATIONS
94942
(88987) (377646) (299676)
(77970)
10100
(88070)
14832
(91215)
(13676)
(13671)
(202750) (159201) (351849) (377646) (104892)
(159201)
2256
(70214)
25797
(43550)
Profit / (Loss) after tax
28053
Provision for Taxation
Prior period expenses
76499
48055
(43550)
TOTAL (B)
Profit/ (Loss) before tax
(70214)
76399
47975
Contribution to Policyholders Account
(c) Others
21180
(91215)
(71765)
(19450)
(19441)
2979
103092
106072
106072
2823
92912
95735
95735
35634
61543
(2091)
(2091)
16411
(68835) (100275)
(50296)
(50296)
110644
110618
26
2153
752
(635)
184
1852
(28379) (108491)
(28379) (108491)
30953
30534
419
2574
136
(476)
922
1993
(60974) (239008) (130517)
(39302)
(39302)
43788
37158
422
6208
4487
655
(550)
654
2624
1101
(146650) (119131) (102367) (100275) (267387) (239008)
(119131)
(27518)
(27518)
5862
242
783
783
1739
106072
(9)
2816
4729
(b) Provision for doubtful debts
100
6286
(9)
65
2923
92912
(474)
80
4505
6872
(36)
182
1245
103092
Provisions (Other than taxation)
to the insurance business
Expenses other than those directly related
TOTAL (A)
Other Income
28836
984
177
347
(30)
164
(251)
1209
2569
3344
(49)
940
2233
25712
519
(1)
243
3018
2862
(d) Transfer/gain on revaluation/Change in Fair value

(203)
3039
1491
(` Lakh)
STATEMENT 20
(1830)
(56058)
54229
1471
55699
7592
6945
647
63291
(54)
1063
9834
52448
(56058)
(48990)
(7068)
(7067)
16550
16391
159
9483
(195)
800
8463
415
BIRLA SUN LIFE ICICI PRUDENTIAL

ING VYSYA
LIC
HDFC STANDARD MAX NEW YORK
RELIANCE
BAJAJ ALLIANZ
2009-10 2008-09 2009-10 2008-09 2009-10 2008-09 2009-10 2008-09 2009-10 2008-09 2009-10 2008-09 2009-10 2008-09 2009-10 2008-09
Income From Investments:
Policyholders Account (Technical Account)
Amounts transferred from the
PARTICULARS
LIFE INSURERS : SHAREHOLDERS ACCOUNT
(3548)
120
Note:Figure in brackets indicate the negative values.
25487
(2158)
27646
APPROPRIATIONS
103
(2158)
473
(2631)
33
(2664)
27749
15820
18859
(4761)
2990
49
TOTAL (B)
(4799)
39
16195
(1987)
1284
6787
10111
(c) Others
the insurance business
Expenses other than those directly related to
TOTAL (A)
Other Income

22989
6065
2697
17775
(` Lakh)
(25512)
(32434)
6922
6922
2205
1770
435
9127
(0)
282
1761
7085
(40001)
(40001)
44582
44339
243
4581
15
1163
3403
(64461)
(56524)
(56524)
62674
62420
254
6150
(44)
89
2325
3780
(32434) (160986) (120985)
(33868) (120985)
1434
1434
3217
3013
204
4651
(642)
1176
2096
2021
(10462)
(12968)
2506
2506
2506
465
1967
74
(34472)
(34472)
36893
36002
892
2422
(0)
312
2059
51
(66749)
(49505)
(49505)
52507
51984
523
3002
(21)
75
2895
53
(12968) (150726) (116255)
(14420) (116255)
1452
1452
1452
(860)
2247
65
1432
747
(2874)
3621
259
3880
35
35
3915
1379
(6)
1106
(2873)
(1058)
(1815)
(1815)
3295
1670
1583
41
1480
(33)
280
1231
730
2536
(1806)
(1806)
3358
3324
34
1551
133
198
1078
143
(73990)
(47817)
(47817)
848
695
152
(46969)
(48)
187
621
(47729)
2536 (121807)
1726
811
208
1019
890
516
349
25
1909
119
595
1130
65
(73990)
(32244)
(41746)
(41746)
1329
1215
114
(40417)
(26)
91
1033
(41515)
SBI LIFE
KOTAK MAHINDRA
TATA AIG
MET LIFE
AVIVA
SAHARA
SHRIRAM
BHARTI AXA
2009-10 2008-09 2009-10 2008-09 2009-10 2008-09 2009-10 2008-09 2009-10 2008-09 2009-10 2008-09 2009-10 2008-09 2009-10 2008-09
PARTICULARS
118
121
(35685)
(64642)
(28955)
(3362)
(25594)
(25594)
26875
26341
534
Deferred tax assets on carry forward of unabsorbed losses for ICICI Prudential.
# Commenced operations during 2009-10
Note: Figure in brackets indicate the negative values.
(28955)
(35686)
APPROPRIATIONS
36837
36976
139
TOTAL (B)
(c) Others
related to the insurance business
Expenses other than those directly
TOTAL (A)
(24071)
(13576)
(10495)
(10495)
12453
12299
154
1959
(13576)
(2553)
(11023)
(11023)
11886
11611
275
863
(1997)
(2379)
382
382
133
133
515
81
(2379)
(2787)
408
20
428
274
274
702
144
(6)
119
(47703)
(23087)
(24616)
(24616)
26236
26114
122
1620
(35)
530
(23087)
(2880)
(20207)
(20199)
22569
21086
1483
2370
(40)
224
2186
(13775)
(4446)
(9329)
(9329)
9965
9794
171
636
(70)
(0)
91
615
(4446)
(4446)
(4446)
5277
4015
1262
831
(17)
(5)
344
508
(4106)
(1965)
(2140)
134
(2006)
1173
1173
(833)
(125)
697
2000
(1965)
(107)
(1858)
(1858)
198
198
(1660)
(14)
22
304
(4634)
12275
50490
(98882)
4096
220
(94566)
329452
317806
242
(5273)
16677
234886
177
2823
92912
(992036)
(488301)
10380
(498188)
634981
617443
5345
12192
136793
128
1683
519
(6297)
8169
51052
81539
(5204) (1781750) (1576071)
2979
103092
(725) (1576796)
(4479)
(4394)
5096
5095
703
(50)
(0)
241
511
(5)
14
(2)
53
1124
175204
(416)
446
(1972)
(3)
1281
310
(159)
382
(3405)
DLF PRAMERICA STAR UNION DAI-ICHI INDIAFIRST#

TOTAL
2009-10 2008-09 2009-10 2008-09 2009-10 2009-10 2008-09
Other Income
1291
343
(169)
1147
CANARA HSBC
2009-10 2008-09
(18)
1810
AEGON RELIGARE
2009-10 2008-09
1379
544
1107
IDBI FEDERAL
2009-10 2008-09
(` Lakh)
765
FUTURE GENERALI
2009-10 2008-09
PARTICULARS
SOURCES OF FUNDS
SHAREHOLDERS FUNDS:
SHARE CAPITAL
ADVANCE AGAINST SHARE CAPITAL
SHARE APPLICATION MONEY PENDING ALLOTMENT
EMPLOYEES STOCK OPTION OUTSTANDING
RESERVES AND SURPLUS
CREDIT/[DEBIT] FAIR VALUE CHANGE ACCOUNT
Sub-Total
BORROWINGS
POLICYHOLDERS FUNDS:
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
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)
MISCELLANEOUS EXPENDITURE
(to the extent not written off or adjusted)
BALANCE IN PROFIT & LOSS ACCOUNT
(Shareholders Account)
Debit Balance in Policyholders A/c
TOTAL
PARTICULARS
187950
12000
2
199952
1
39994
819694
859688
12896
1072536
46701
50442
819694
2235
8443
51897
10443
62340
73996
2524
76519
(14179)
159201
1072536
196950
48000
3
244953
7
78608
1456730
1535344
29842
1810140
50440
105817
1456730
2655
6982
56980
12154
69133
81135
3231
84367
(15233)
202750
1810140
BIRLA SUN LIFE

2010
2009
122
6030029
351849
3660499
377646
35588
36155
71743
113037
11979
125017
(53274)
31808
29552
30540
29660
60200
157170
2988
160159
(99958)
66201
341641
2861395
1960
33121
71733
3660499
2805489
3110655
128503
445657
5146926
1160
26340
123242
6030029
5037610
5428166
2132
3163
299871
23
85
335292
(15)
478111
11
9
335884
(96)
478622
24934
6689
358933
142726
142814
ICICI PRUDENTIAL
2010
2009
580712
104892
9868
13463
23330
27978
96
28074
(4744)
18359
131922
327729
823
1732
2653
580712
327772
457845
129994
79
64
120214
18235
101915
11386815
36587
36087
500
2010
1415893
3531917
4947809
592822
1597398
2190220
2757590
35376
83304127
17032518
8299709
312299
369692 111741618
91215
11760
18905
30665
31303
106
31409
(744)
23386
83721
169014
464
2634
661
8116
369692 111741618
83940026
366457
169728 16003617
260650 111696915
91368
(447)
6
108380
1
6459
101915
ING VYSYA
2010
2009
(AS ON 31st MARCH)
33608
33108
500
2009
84127287
1729264
3142203
4871467
371805
1587217
1959022
2912445
31950
63896170
9041029
7947712
297980
5931
84127287
72217682
364292
8728878
84087748
2776896
LIC
LIFE INSURERS : BALANCE SHEET
2160620
146650
28264
49178
77441
122816
1876
124692
(47251)
63048
434154
1552178
404
11438
25548
2160620
1552178
1930898
376669
2051
5529
1844
204173
196800
1171303
119131
41087
54287
95374
88202
2088
90290
5083
42916
301527
687829
302
14513
11184
1171303
687829
975785
290924
(2969)
5529
(776)
184335
179582
HDFC STANDARD
2010
2009
1128944
679354
100275
254
7580
102367
2165
44500
46664
56502
270
56772
(10108)
52291
200183
303488
483
32487
1695
679354
303488
498539
195050
78
179121
799
178243
5187
44536
49723
71102
28
71130
(21408)
83013
271289
657794
861
27448
6229
1128944
657794
917115
259314
7900
13414
404
205599
183882
MAX NEW YORK

2010
2009
1627456
267387
49878
13452
63330
73514
243
73757
(10427)
36931
52645
1276506
3018
1397
10264
1627456
1270115
1319550
48758
677
180970
207
297642
116464
861962
239008
DEBIT
41025
14293
55318
68634
111
68745
(13427)
39470
34266
555238
2991
4415
1587
861962
555238
586769
32472
(942)
158101
(729)
273605
116233
RELIANCE
2010
2009
(` Lakh)
STATEMENT 21
SOURCES OF FUNDS
SHAREHOLDERS FUNDS:
SHARE CAPITAL
Sub-Total
BORROWINGS
POLICY LIABILITIES
INSURANCE RESERVES
Sub-Total
TOTAL
INVESTMENTS
Shareholders
Policyholders
LOANS
FIXED ASSETS
DEFERRED TAX ASSET
CURRENT ASSETS
Sub-Total (A)
CURRENT LIABILITIES
Provisions
Sub-Total (B)
DEBIT BALANCE IN PROFIT & LOSS ACCOUNT
TOTAL
PARTICULARS
105996
70
179982
105996
284
302934
100000
100000
23200
498
4476
(2043)
123
56058
2158
35530 46312 12806

17831 33242 27728
53360 79553 40534
80138 143039 100712
4267
617
975
84405 143657 101687
(31045) (64103) (61153)
25512
8695
10628
19323
25998
1714
27712
(8388)
32434
160986
12827 13569
9392 20569
22219 34138
23204 54604
1398
748
24603 55352
(2383) (21214)
39835
286568
619149
4534
10828
27434
82387
485242
977
10645
120985
19550
9336
20563 13021
40114 22357
50971 39588
949
2011
51920 41598
(11807) (19242)
23910
221325
245819
2897
15579
11495
13714
25209
33070
1804
34874
(9665)
25762
56586
210583
414
11464
18304
11441
29745
27676
2062
29739
6
4822
33956
9121
603856
2553
12248
14801
20517
1128
21645
(6844)
5277
35162
15450
336925
10462 12968 150726 116255

166383 136394
3304492 1757881 2814312 1402472 694222 430411 1100685 618708 764288 444506 802488 502225
1830
21869
31116
52985
105187
6602
111789
(58804)
6998
28231
62777
303080
583
5690
89241
2248
2456
4704
2735
40
2775
1929
22355
16809
47465
10
673
24918
101474
544585
522
5599
154538 76952 68791

346223 232171 1077624
2841462 1406530 1708731
1303
770
17940 16444 23270
93537
682835
678096
821
89241
5102
2173
7275
10797
133
10929
(3654)
15412
8334
118412
12
1959
54232 140474
2874
1565
2112
3676
1741
56
1797
1879
17967
10208
20487
2
815
48
181
54232 140474
20487 118412
30630 127012
47462
64118
8601
730
50
13280
12500
10143
23554
354
23200
16561
95
38746 50233
2462
812 20569 10862 15359 13628
8074
3773 13832 11080
3304492 1757881 2814312 1402472 694222 430411 1100685 618708 764288 444506 802488 502225
624216
160
149180
92368 70708 273246 209042 75008 54541

9752
6937
528
380
2841462 1406530 1706268 677284 524026 292228 615554 246132 481961 208889 590024 335028
3144680 1586582 2685327 1301659 617420 363316 893276 453131 560247 267377 599776 341965
966862
12197
188880
24302
158000
15342
56233
177479
18487
1102
151950
113135
79230
83527
4295
19900
21823
1923
4521
9280
13801
16033
386
16419
(2618)
2052
9444
4298
79230
2928
9694
12621
14637
348
14985
(2363)
4413
9589
1924
19900
89244 32475
32563 41515
74208 214213 107453
6408
1651
8059
8503
89
8593
(533)
589
15410
4182
54560
192
74208 214213 107453
54560
58980
4420
8957
(170)
85630
10000
66843
BHARTI AXA
2010
2009
2536 17399
1
152
15037 130687
12500
SHRIRAM
2010
2009
(` Lakh)
SAHARA
2010
2009
2
14
56233 192050 151950 195968 173356 188880 149180
3278
3947
192050
AVIVA
2010
2009
5204
51029
METLIFE
2010
2009
5204
51029
SBI LIFE
KOTAK MAHINDRA TATA AIG
2010
2009
2010
2009
2010
2009
25487
1036
0
121066 121066 126523 100000
15071
15071
BAJAJ ALLIANZ
2010
2009
(AS ON 31st MARCH)
124
# Commenced operations during 2009-10
SOURCES OF FUNDS
SHAREHOLDERS FUNDS:
SHARE CAPITAL
Sub-Total
BORROWINGS
POLICY LIABILITIES
INSURANCE RESERVES
Sub-Total
TOTAL
INVESTMENTS
Shareholders
Policyholders
LOANS
FIXED ASSETS
DEFERRED TAX ASSET
CURRENT ASSETS
Sub-Total (A)
CURRENT LIABILITIES
Provisions
Sub-Total (B)
DEBIT BALANCE IN PROFIT & LOSS ACCOUNT
TOTAL
PARTICULARS
0
61947
15279
3079
8471
7914
2224
4088
6312
7885
178
8063
(1751)
28955
61947
2190
125363
10202
19019
30028
753
5254
6437
11691
10694
278
10972
719
64642
125363
8471
11690
27838
46721
136111
24071
10853
8451
19304
19123
136
19259
45
1721
19492
9381
81402
136111
81402
91181
9778
3
50257
(6)
76452
3217
3404
6258
18884
7
44930
46850
44924
75155
13576
6180
5311
11492
11043
170
11212
280
1897
29120
2516
27766
75155
27766
30292
2526
(28)
44863
44891
IDBI FEDERAL
2010
2009
70200
FUTURE GENERALI
2010
2009
1997
39220
71526
2526
4871
7397
5247
1284
6531
866
4521
10357
1364
13202
126
71526
14399
1323
13076
1
57001
57000
2379
15432
32060
959
3401
4361
2541
762
3303
1058
5768
5315
450
1658
5
32060
2055
402
1653
0
30000
30000
AEGON RELIGARE
2010
2009
179803
47703
4954
3878
8832
14138
117
14255
(5423)
5843
14502
9534
107644
179803
107644
117303
9659
62500
12500
50000
77007
23087
2306
2800
5106
8723
120
8843
(3737)
5254
27737
3277
21388
77007
21388
24507
3119
52500
12500
40000
CANARA HSBC
2010
2009
(AS ON 31st MARCH)
25311
13775
743
1741
2485
3034
118
3153
(668)
604
8354
165
3081
25311
3081
3180
99
0
22131
22130
13969
4446
464
790
1254
1156
76
1232
22
1406
7824
16
255
13969
255
259
5
13710
13705
DLF PRAMERICA
2010
2009
94841
4106
11649
3418
15067
13660
182
13842
1225
2062
35369
3605
48474
94841
48474
52793
4318
17000
48
42048
25000
18928
1965
4348
630
4978
6107
24
6131
(1153)
2155
12500
11
3449
18928
3449
3911
462
17
15017
15000
50518
5204
1533
666
2199
10104
29
10132
(7934)
2908
32866
125
17349
2
50518
17347
17472
125
13000
44
33044
20000
STAR UNION DAI-ICHI INDIAFIRST#

2010
2009
2010
1825369
15342
19886
884
679577
(1591)
2539466
3948
254
7580
1776151 1537093
238166
193342
135687405 97613794
2034927
3452740
5487667
1174427
1616639
2791066
2696601
31808
1764078
3857746
5621823
1628194
1622319
3250513
2371310
29552
943495
727211
86721641 66204758
34799690 17776656
8315986 7960813
483834
485259
308257
196318
135687405 97613794
11445200 2774512
6689
3163
86986116 74339003
366985
364672
33595999 17392713
132404265 94878010
2101923
18487
24503
7908
818302
3759
2974883
3278
TOTAL
2010
2009
(` Lakh)
STATEMENT 22
LIFE INSURANCE CORPORATION OF INDIA : POLICYHOLDERS ACCOUNT

(NON-PARTICIPATING)
(` Lakh)
2009-10
2008-09
Premiums earned (Net)
778
921
Profit/ Loss on sale/redemption of Investments
(27)
(27)
(1283)
(1291)
1283
1076
TOTAL (A)
751
680
Claims Incurred (Net)
762
700
Commission
14
19
59
91
16
TOTAL (B)
835
826
Operating Profit/(Loss) C= (A - B)
(84)
(146)
(84)
(146)
Change in Policy Liabilities

Others
Interest, Dividend & Rent (Gross)
Others- Amortizations, Write offs and Provisions

Foreign Taxes
APPROPRIATIONS
Transfer to Catastrophe Reserve
Transfer to other Reserves
TOTAL (C )
Note: Figures in brackets indicate the negative values.
125

STATEMENT 23
LIFE INSURANCE CORPORATION OF INDIA : SHAREHOLDERS ACCOUNT
(NON-PARTICIPATING)
(` Lakh)
OPERATING PROFIT/(LOSS)
(a) Fire Insurance
(b) Marine Insurance
(c) Miscellaneous Insurance
2009-10
2008-09
(83)
(146)
(83)
(146)
(83)
(146)
(83)
(146)
(83)
(146)
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
(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
Profit after Tax
APPROPRIATIONS
(a)
(b)
(c)
(d)
(e)
(f)
(g)
Interim dividends paid during the year

Proposed final dividend
Dividend distribution tax
Transfer to any Reserves or Other Accounts
Transfer to General Reserve
Balance of profit/ loss brought forward from last year
Balance carried forward to Balance Sheet
126

STATEMENT 24
LIFE INSURANCE CORPORATION OF INDIA : BALANCE SHEET
(NON-PARTICIPATING)
(AS ON 31ST MARCH)
(` Lakh)
2010
2009
17247
16048
Reserves and Surplus
36
36
Fair value change account
28
17311
16090
16964
17140
Current Assets
209
591
398
169
Total Current Assets (A)
800
567
Current Liabilities
453
1616
Total Current Liabilities (B)
453
1616
Net Current Assets (C) = (A - B)
346
(1049)
17311
16090
SOURCES OF FUNDS
Share Capital
Policy Liabilities
Borrowings
TOTAL
Investments
Loans
Fixed Assets
Provisions
Miscellaneous Expenditure
(to the extent not written off)
Debit balance in Profit and Loss A/c
TOTAL
Note: Figures in bracket indicates the negative value.
127
128
106
2392
96
1723
161
10852
19%
14%
17%
2007-08
Number of policies in 000
Sum Assured ` Crores
2008-09
2009-10
Lapse Ratio (Based

on number of policies)
During 2007-08
During 2008-09
During 2009-10
21%
40%
31%
81
1531
91
679
43
663
47
692
80%
59%
24%
37
378
32
166
40
125
24
3
AVIVA
6%
9%
39%
323
1578
45
808
16
1017
8
597
Birla
Sun Life
439
6854
180
2461
ICICI
Pru
4%
6%
8%
40%
53%
81%
114
969
2716 32354
76
777
1524 25269
36
909
29
787
HDFC
Std
LIC
198
5915
142
3394
163
2666
Max
NY
17%
16%
19%
6%
4%
4%
17%
19%
23%
89 9744
287
4706 114767 11370
61 7373
998 52926
54 11009
762 73686
45 7773
788 63206
ING
Vysya
24%
18%
25%
45
6689
27
739
28
880
37
1157
17%
19%
14%
23
4813
31
1180
25
1104
21
546
Met Kotak
Life Mahindra
199
4729
238
5044
151
3042
16%
9%
7%
35%
26%
42%
24%
22%
21%
22
340
19
257
14
174
7
78
55%
41%
41%
16
593
16
366
25
569
9
139
TATA Sahara Shriram

AIG
46
329
5904 12972
48
1356
79
1108
85
773
SBI
* 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
NA : Not Applicable
Source of Data:
Actuarial Report and Abstract as on 31-03-2008, 31-03-2009 & 31-03-2010 of the life insurers.
77
2364
Bajaj Reliance
Allianz
2006-07
Description
45%
46%
38%
17
1043
11
596
3
109
0
0
0%
18%
37%
44
1679
5
216
0
0
NA
NA
0%
0%
0%
0
21
0
0
0
0
NA
NA
NA
4%
0%
0.003
0
0
0
NA
NA
NA
23%
24%
2
432
1
96
0
0
NA
NA
NA
2%
80%
1
55
0.006
0
0
0
NA
NA
NA
1%
4%
0
7
0.003
0
0
0
NA
NA
Star
Union
Dai-ichi
STATEMENT 25
Bharti Future
IDBI Canara Aegon
DLF
AXA Generali Federal HSBC Religare Pramerica
INDIVIDUAL BUSINESS (WITHIN INDIA)-DETAILS OF FORFEITURE/

LAPSED POLICIES IN RESPECT OF NON-LINKED BUSINESS*

STATEMENT 26
DETAILS OF INDIVIDUAL AGENTS OF LIFE INSURERS

Insurer
Additions during
2009-10
2309
5342
34
7617
30838
14705
12815
32728
Bajaj Allianz
204941
61824
99024
167741
Bharti AXA
28495
16261
12095
32661
Birla Sunlife
164363
53043
49282
168124
DLF Pramerica
113
2042
40
2115
Future Generali
24437
19612
1436
42613
HDFC Standard
207626
41506
50253
198879
ICICI Prudential
299879
87774
145823
241830
6509
2644
1416
7737
ING Vysya
76058
25138
47923
53273
Kotak Mahindra
42083
17610
23796
35897
Max NewYork
84651
46192
58015
72828
MetLife
60727
18325
15752
63300
149613
105566
59614
195565
Sahara
13515
765
424
13856
SBI Life
68993
29514
32975
65532
Shriram
19759
1810
15
21554
69
69
107670
75594
31707
151557
Private Total
1592579
625336
642439
1575476
LIC
1344856
312547
254596
1402807
Industry Total
2937435
937883
897035
2978283
Aegon Religare
Aviva
IDBI Federal
Reliance Life
Star Union Dai-ichi

TATA AIG
Deletions during
2009-10
As on 31st
March, 2010
As on
1 April, 2009
st
NOTE: The Number of Agents for Canara HSBC and IndiaFirst was NIL as on 31st March, 2010
129

STATEMENT 27
DETAILS OF CORPORATE AGENTS OF LIFE INSURERS

Insurer
As on
1 April, 2009
st
Aegon Religare
Additions during
during 2009-10
Deletions during
during 2009-10
As on 31st
March, 2010
10
17
15
Bajaj Allianz
682
209
27
864
Bharti AXA
12
13
Birla Sunlife
317
154
91
380
Canara HSBC
DLF Pramerica
11
Future Generali
HDFC Standard
371
374
ICICI Prudential
47
27
22
IDBI Federal
41
39
53
58
100
61
66
95
Max NewYork
84
11
14
81
MetLife
37
12
29
126
120
21
225
Sahara
SBI Life
94
59
26
127
Shriram
Star Union Dia-ichi
83
14
25
72
2091
686
357
2420
415
167
72
510
2506
853
429
2930
Aviva
IndiaFirst
ING Vysya
Kotak Mahindra
Reliance
TATA AIG
Private Total
LIC
Industry Total
130
131
97
1
27
55
17
2
62
25
12
18
41
64
93
66
105
3
1
56
53
59
3
61
2
115
17
66
Bajaj
Allianz
9
21
1
6
186 1151
4
66
8
1
8
6
2
1
13
9
1
1
4
8
12
8
20
1
0
8
11
9
1
10
1
13
2
17
Aviva
3
1
1
1
6
4
2
5
4
3
9
1
5
3
5
5
1
3
Aegon
5
1
203
14
2
2
2
1
19
8
2
1
6
16
14
5
27
1
5
11
9
1
19
16
3
12
Bharti
AXA
1
18
652
48
1
18
27
8
4
38
21
5
3
14
37
44
19
77
1
3
1
2
20
53
27
1
42
1
61
4
52
Birla
Sunlife
1
33
2
1
1
1
4
4
2
1
3
1
3
1
3
4
1
3
32
3
7
17
1
-
2
90
5
1
1
1
1
5
5
1
1
2
4
6
4
16
2
5
6
6
10
1
5
Canara
DLF Future
HSBC Pramerica Generali
1
2
408
13
24
8
3
204
36
6
15
18
61
192
31
136
3
1
25
159
231
1
90
1
123
10
88
ICICI
Pru
0
20
30
1
1
568 1921
50
8
4
8
1
34
15
7
2
5
41
62
34
68
1
14
26
28
1
50
2
50
7
28
HDFC
Std
2
-
1
37
3
1
1
1
3
1
1
2
3
1
7
1
2
2
3
1
2
India
IDBI
First Federal
3
1
254
44
1
2
1
1
12
9
1
2
29
25
10
16
5
15
14
44
15
1
2
1
11
1
215
10
3
1
2
1
39
19
1
3
10
11
7
34
1
16
8
12
16
2
6
1
26
1
705
33
4
5
5
4
70
87
6
4
6
23
25
17
108
1
10
122
23
36
1
61
5
19
-
133
2
33
43
7
2
87
27
10
12
22
77
63
64
121
3
1
1
34
72
61
2
104
3
147
17
75
7
24
255 1247
21
3
4
3
2
22
14
7
5
17
28
5
26
8
22
8
16
1
18
3
14
ING Kotak
Max MetLife Reliance
Vysya Mahindra NewYork
Life
1
49
2
1
6
1
2
1
5
1
3
1
1
1
5
1
14
2
Sahara
48
1
13
20
11
4
26
17
5
3
11
24
33
31
45
1
1
1
21
17
21
1
52
38
6
31
3
162
77
2
6
5
3
2
5
6
7
4
2
29
6
2
1
SBI Shriram
Life
8
1
494
* 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.
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 &
Nagar Haveli
Daman & Diu
Delhi
Lakshadweep
Puducherry
Company Total
State/
Union Territory
1
7
1
1
2
1
1
-
Star
Union
Dia-ichi
STATE WISE DISTRIBUTION OF OFFICES OF LIFE INSURERS* - 2009-10

State
Total
(Private)
1
21
State
Total
(Industry)
1
17
2
38
264 1297
3
9
79 230
119 341
51 136
14
45
177 865
65 394
35
96
25
95
62 222
218 664
175 831
199 524
344 1226
4
5
1
19
1
7
4
8
103 333
100 730
168 709
2
13
297 904
16
30
347 1096
44 127
230 706
LIC
2
1
3
1
0
1
14 212
77 289
0
0
0
2
16
7
23
439 8768 3250 12018
26 1033
6
13 151
20 222
6
85
2
31
36 688
15 329
5
61
70
12 160
20 446
34 656
10 325
52 882
1
1
18
1
6
4
18 230
16 630
24 541
0
11
24 607
2
14
33 749
1
83
52 476
TATA
AIG
STATEMENT 28

STATEMENT 29
REGION WISE DISTRIBUTION OF OFFICES OF LIFE INSURERS* - 2009-10

Insurer
Metro
Urban
Semi-urban
Others
Company Total
Aegon
19
38
Aviva
34
62
69
21
186
Bajaj Allianz
65
164
452
470
1151
Bharti AXA
33
66
93
11
203
Birla Sunlife
71
100
383
98
652
Canara HSBC
10
17
DLF Pramerica
19
Future Generali
12
48
30
HDFC Standard
81
104
298
85
568
ICICI Prudential
104
151
526
1140
1921
10
20
37
ING Vysya
23
58
159
14
254
Kotak Mahindra
41
70
95
215
102
137
235
231
705
MetLife
40
73
121
21
255
Reliance Life
90
119
570
468
1247
Sahara
27
15
49
SBI Life
48
119
251
76
494
Shriram
25
49
85
162
72
123
185
59
439
Private total
897
1555
3607
2709
8768
LIC
347
550
923
1430
3250
1244
2105
4530
4139
12018
IDBI Federal
IndiaFirst
Max NewYork
Star Union Dai-ichi

TATA AIG
Industry total
66
33
1
32
90
* Offices opened after seeking approval of the Authority.

Note:
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.
132
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
Chandigarh
Dadra & Nagra Haveli
Daman & Diu
Delhi
Lakshadweep
Puducherry
Company Total
State / Union
Territory
373
0
125
2
90
87
623
402
12
0
205
556
393
449
742
1
6
0
23
277
563
220
0
701
0
670
140
444
0
81
0
0
432
0
0
7617
Aegon
Religare
2600
180
1455
1825
311
151
1581
1496
200
148
608
1161
1464
1965
2881
19
82
30
16
2912
1372
1216
99
1737
400
2888
139
1777
5
47
2
1
1852
0
108
32728
Aviva
15083
95
8247
15817
3251
74
7604
2069
1956
2283
7488
7279
8440
8210
10467
131
278
101
103
12367
7072
4646
227
8686
983
18431
283
12538
0
372
98
6
2977
0
79
167741
Bajaj
Allianz
1939
0
389
743
259
114
2263
284
184
239
911
1860
1501
1103
3706
0
143
0
0
978
1856
1477
-14
2356
155
3936
509
3303
0
636
0
0
1831
0
0
32661
19483
0
8874
11408
2389
693
7594
4755
1121
323
3665
9095
4914
5308
15208
450
1033
90
1125
7532
8318
7725
784
8573
1
17522
1470
13237
0
563
0
0
4389
0
482
168124
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
202
379
0
0
0
0
0
0
0
0
0
0
0
0
1024
0
0
0
0
27
0
0
0
221
0
0
262
0
0
2115
5282
0
528
521
171
250
2426
2446
655
822
1999
1109
1782
1657
5072
0
0
0
0
2041
1512
2142
0
2550
0
4765
409
2256
0
495
0
0
1723
0
0
42613
Bharti Birla Canara

DLF Future
AXA Sunlife HSBC Pramerica Generali
18891
0
3762
2660
2382
345
11456
5385
797
979
2035
12245
13682
9627
30263
0
327
0
0
5724
7596
9454
268
11475
1041
20340
1282
14200
0
1567
0
0
10812
0
284
198879
HDFC
Std.
26125
0
7789
12824
1869
333
17969
4682
2858
3120
5803
7036
16303
7055
21233
0
213
140
0
11999
15313
16565
411
9803
1161
20858
1387
16326
282
983
0
0
11148
0
242
241830
917
8
324
94
6
122
583
180
19
1
159
454
575
298
832
62
1
4
30
21
345
519
0
396
2
943
147
241
18
55
0
0
379
0
2
7737
ICICI
IDBI
Pru Federal
953 4704
0
5
1235
417
33
649
15
596
4
737
7209 7684
3396 4508
0
844
1
520
366
594
1444 2358
736 2473
651 2389
6669 13241
0
14
0
22
0
9
0
2
92 1810
2439 5533
1130 3352
0
15
1476 3637
0
63
2068 6997
23 1073
1177 2073
0
5
493
513
101
3
0
4
4173 5967
0
0
13
17
35897 72828
ING Kotak
Max
Vysya Mahindra NewYork
0 10165
0
0
0
312
0
0
0
0
0
193
0 1311
0 1088
0
273
0
703
0
150
0 6362
0 3819
0 2330
0 2994
0
0
0
0
0
0
0
0
0 2116
0 2346
0 3247
0
0
0 9477
0
0
0 2925
0
253
0 1097
0
0
0
316
0
0
0
0
0 1667
0
0
0
129
0 53273
India
First
LIFE INSURERS
7692
10
1412
659
624
194
3115
1520
44
2686
939
5238
8461
637
6205
70
5
1
18
2326
4335
1515
5
3496
44
3757
481
3538
6
466
2
5
3771
1
22
63300
25484
572
10053
11231
1818
329
10371
5890
1606
1739
5349
8090
6298
10719
11823
0
596
216
243
10145
5144
7087
116
14512
1008
23146
3071
10827
0
490
0
0
7136
0
456
195565
770
0
342
2364
100
0
587
144
0
0
806
159
0
577
308
0
0
0
0
548
39
1591
0
47
0
4058
181
832
0
76
0
0
327
0
0
13856
Met Reliance Sahara

Life
Life
SBI Shriram
Life
7247 16101
79
0
850
0
2389
29
1726
286
284
1
2422
116
1691
0
594
0
261
0
1582
212
5180
771
5776
149
3904 1336
6574
562
55
0
71
0
32
0
60
0
3374
13
1217
0
2713
8
20
0
8097 1899
57
0
4453
14
434
3
3312
13
0
0
170
1
1
0
0
0
710
4
0
0
197
36
65532 21554
STATE WISE DISTRIBUTION OF INDIVIDUAL AGENTS - 2009-10
1
0
0
2
1
0
2
1
0
0
7
0
0
21
13
0
0
0
0
2
1
1
0
1
0
12
0
3
0
0
0
0
1
0
0
69
Star
Union
7834
56
11964
6532
1543
146
11067
6598
1301
7
4916
3724
9352
3270
13791
348
292
336
173
8794
2963
8551
171
7782
1595
10854
730
22317
5
257
23
19
4039
4
203
151557
171644
1005
58078
69782
17437
4057
96185
46914
12464
13832
37794
74121
86118
61506
152584
1150
3069
959
1793
73071
68988
73159
2102
96701
6510
148664
12015
109511
321
7802
230
35
63600
5
2270
1575476
TATA Private
AIG Total
(State-wise)
129364
577
37858
74947
14663
3937
67062
19917
13400
7154
27286
95249
73766
58209
160844
1782
584
390
859
48171
35601
67386
633
116634
3859
160697
19397
118062
634
2967
2
138
38988
2
1788
1402807
301008
1582
95936
144729
32100
7994
163247
66831
25864
20986
65080
169370
159884
119715
313428
2932
3653
1349
2652
121242
104589
140545
2735
213335
10369
309361
31412
227573
955
10769
232
173
102588
7
4058
2978283
LIC Industry
Total
(State-wise)
STATEMENT 30
133

STATEMENT 31
NEW BUSINESS UNDER MICRO INSURANCE PORTFOLIO - 2009-10

(LIFE INSURANCE)
(Premium in ` Lakh)
Insurer
Individual Category
No. of
Policies
Group Category
Premium
No. of
Schemes
No. of
Lives covered
Premium
1548820
834.79
7500
0.01
13
41442
11.02
SBI Life
281856
622.17
Shriram
15525
4.10
Aegon Religare
Aviva
Bajaj Allianz
3757
18.17
127
2.42
568647
263.72
Bharti AXA
Birla Sunlife
Canara HSBC
DLF Pramerica
Future Generali
HDFC Standard
ICICI Prudential
344926
288.18
IDBI Federal
IndiaFirst
ING Vysya
Kotak Mahindra
Max NewYork
MetLife
125
7.19
324
4.90
Reliance Life
Sahara
Star Union Dai-ichi

TATA AIG
80903
255.20
998809
839.78
17
1895143
1472.09
LIC
1985145
14982.51
5190
14946927
22869.72
Industry Total
2983954
15822.29
5207
16842070
24341.81
Private Total
Note: New business premium includes first year premium and single premium.
134
135
20
HDFC Standard
ICICI Prudential
IDBI Federal
IndiaFirst
0.00
0.00
0.01
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Benefit
Amount
2057
919
16
No of
Policies
0.00
0.00
1.64
0.00
0.00
0.00
0.00
87.34
0.00
2.02
0.00
0.00
Benefit
Amount
Claims intimated /
booked
0.00
0.00
0.00
0.00
Benefit
Amount
0
0.00
0
0.00
No of
Policies
0.00
0.00
0
0.00
Benefit
Amount
Claims paid
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0
0.00
0
0.00
0
0.00
0
0.00
915
(99.56)
0
0.00
0.00
0.00
0
0.00
0.00
0.00
0.00
0.00
86.91
(99.51)
0.00
0.00
0
0.00
0.00
0.00
0
0.00
0
0.00
0.00
0.00
0.00
0.00
2077
1.65
2077
1.65
(100.00) (100.00) (100.00) (100.00)
0
0.00
0
0.00
0
0.00
0
0.00
919
87.34
(100.00) (100.00)
0
0.00
16
2.02
16
2.02
(100.00) (100.00) (100.00) (100.00)
0
0.00
0
0.00
No of
Policies
Total Claims
0
0.00
0.00
0.00
Note: Figures in bracket indicates percentage of the respective to total claims.
Future Generali
Birla Sunlife
Bharti AXA
DLF Pramerica
Bajaj Allianz
Aviva
Canara HSBC
No of
Policies
Aegon Religare
Life Insurer
Claims pending
at start of year
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0.00
0.00
0.00
0.00
4
(0.44)
0
0.00
0
0.00
0
0.00
0
0.00
No of
Policies
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0
0.00
0.00
0.00
0.00
0.00
0.43
(0.49)
0.00
0.00
0.00
0.00
0.00
0.00
0
0.00
Benefit
Amount
Claims repudiated
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
No of
Policies
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0
0.00
Benefit
Amount
Claims written back
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
No of
Policies
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
(0.00)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Benefit
Amount
Claims pending
at end of year
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
< 3 mths 3-< 6 mths
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
6 - <1 yr
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
> 1 yr
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
Total
Break up of claims pending duration wise (Policies)
STATEMENT 32
DEATH CLAIMS UNDER MICRO INSURANCE PORTFOLIO 2009-10 - INDIVIDUAL CATEGORY
136
28
18
46
Star Union Dai-ichi
TATA AIG
Private Total
LIC
Industry Total
46.68
3.27
43.41
42.95
0.00
0.00
0.00
0.45
0.00
0.00
0.00
0.00
0.00
Benefit
Amount
7528
4115
3413
387
29
No of
Policies
784.55
639.65
144.90
52.89
0.00
0.00
0.00
0.65
0.00
0.00
0.00
0.00
0.36
Benefit
Amount
Claims intimated /
booked
Benefit
Amount
No of
Policies
Benefit
Amount
Claims paid
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
7574 831.23
(100.00) (100.00)
4133 642.92
(100.00) (100.00)
3441 188.31
(100.00) (100.00)
393
95.84
(100.00) (100.00)
0
0.00
0
0.00
0
0.00
7
1.10
(100.00) (100.00)
0
0.00
0
0.00
0
0.00
0
0.00
7508
(99.13)
4102
(99.25)
3406
(98.98)
364
(92.62)
0.00
0.00
0
0.00
0
0.00
5
(71.43)
0
0.00
0
0.00
0
0.00
0
0.00
819.22
(98.56)
637.17
(99.11)
182.05
(96.68)
90.21
(94.13)
0.00
0.00
0.00
0.00
0.00
0.00
0.90
(81.82)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
29
0.36
29
0.36
(100.00) (100.00) (100.00) (100.00)
No of
Policies
Total Claims
Reliance Life
Shriram
MetLife
Max NewYork
SBI Life
Kotak Mahindra
ING Vysya
Sahara
No of
Policies
Life Insurer
Claims pending
at start of year
53
(0.70)
25
(0.60)
28
(0.81)
24
(6.11)
0.00
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
No of
Policies
9.34
(1.12)
4.36
(0.68)
4.98
(2.64)
4.55
(4.75)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Benefit
Amount
Claims repudiated
1
(0.01)
1
(0.02)
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
No of
Policies
0.27
(0.03)
0.27
(0.04)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Benefit
Amount
Claims written back
12
(0.16)
5
(0.12)
7
(0.20)
5
(1.27)
0
0.00
0
0.00
0
0.00
2
(28.57)
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
No of
Policies
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
6
(85.71)
4
(80.00)
0
0.00
0
0.00
0
0.00
2.40
(0.29)
11
(91.67)
1.12
5
(0.17) (100.00)
1.28
(0.68)
1.08
(1.13)
0.00
0.00
0.00
0.00
0.00
0.00
1
(8.33)
0
0.00
1
(14.29)
1
(20.00)
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
< 3 mths 3-< 6 mths
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
6 - <1 yr
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
Total
0
0.00
0
0.00
0
0.00
0
12
0.00 (100.00)
0
5
0.00 (100.00)
0
7
0.00 (100.00)
0
5
0.00 (100.00)
0
0.00
0
0.00
0
0.00
0
2
0.00 (100.00)
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
> 1 yr
0.20
2
(18.18) (100.00)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Benefit
Amount
Claims pending
at end of year
DEATH CLAIMS UNDER MICRO INSURANCE PORTFOLIO 2009-10 - INDIVIDUAL CATEGORY

137
Aviva
Bajaj Allianz
Bharti AXA
Birla Sunlife
Canara HSBC
DLF Pramerica
Future Generali
HDFC Standard
ICICI Prudential
IDBI Federal
IndiaFirst
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.15
0.00
49.00
1091
0.00
3.59
0.00
0.00
0.00
0.00
0.00
0.00
0.00
175.79
Claims intimated /
booked
No of
Benefit
Lives Amount
0.00
0.00
Benefit
Amount
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0
0.00
0
0.00
0
0.00
0.00
0.00
0.00
0.00
0
0.00
0
0.00
0
0.00
1091
(99.91)
0
0.00
No of
Lives
0.00
0.00
0.00
0.00
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
175.82
(99.93)
0
0.00
Benefit
Amount
Claims paid
0
0.00
0.00
0.00
49
3.59
49
3.59
(100.00) (100.00) (100.00) (100.00)
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
1092 175.94
(100.00) (100.00)
0
0.00
No of
Lives
Total Claims
0
0.00
0.00
0.00
Aegon Religare
Life Insurer
Claims pending
at start of year
No of
Benefit
Lives Amount
0
0.00
0.00
0.00
0
0.00
0
0.00
0
0.00
0.00
0.00
0.00
0.00
0
0.00
0
0.00
0
0.00
1
(0.09)
0
0.00
No of
Lives
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.12
(0.07)
0
0.00
Benefit
Amount
Claims repudiated
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
No of
Lives
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0
0.00
Benefit
Amount
Claims written back
STATEMENT 33
0.00
0.00
0.00
0.00
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
Claims pending
at end of year
No of
Benefit <3 mths 3-<6 mths 6-<1 yr
> 1 yr
Total
Lives Amount
DEATH CLAIMS UNDER MICRO INSURANCE PORTFOLIO 2009-10 - GROUP CATEGORY
138
135
Industry Total
36.08
33.98
2.10
0.00
0.00
0.00
0.25
0.00
0.00
0.00
0.00
0.00
1.70
601.50
0.00
0.00
0.00
412.53
0.20
0.00
0.00
0.00
0.00
9.39
43881 17895.77
41546 17294.27
2335
1069
125
Claims intimated /
booked
No of
Benefit
Lives Amount
Benefit
Amount
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0
0.00
0
0.00
0
0.00
0
0.00
136
(95.77)
No of
Lives
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
10.58
(95.40)
Benefit
Amount
Claims paid
0.00
0.00
0.00
0.00
0.00
0.00
44016 17931.85
(100.00) (100.00)
41662 17328.25
(100.00) (100.00)
2354 603.60
(100.00) (100.00)
0
0.00
0
0.00
0
0.00
1070 412.78
(100.00) (100.00)
579.57
(96.02)
0.00
0.00
0.00
0.00
0.00
0.00
389.38
(94.33)
43463 17768.18
(98.74) (99.09)
41175 17188.61
(98.83) (99.19)
2288
(97.20)
0
0.00
0
0.00
0
0.00
1011
(94.49)
1
0.20
1
0.20
(100.00) (100.00) (100.00) (100.00)
0
0.00
0
0.00
0
0.00
0
0.00
142
11.09
(100.00) (100.00)
No of
Lives
Total Claims
116
LIC
TATA AIG
19
Star Union Dai-ichi
Private Total
Shriram
Reliance Life
MetLife
SBI Life
Max NewYork
Kotak Mahindra
Sahara
17
ING Vysya
Life Insurer
Claims pending
at start of year
No of
Benefit
Lives Amount
62
(0.14)
0
0.00
62
(2.63)
0
0.00
0
0.00
0
0.00
58
(5.42)
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
3
(2.11)
No of
Lives
23.26
(0.13)
0.00
0.00
23.26
(3.85)
0.00
0.00
0.00
0.00
0.00
0.00
22.89
(5.55)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.25
(2.25)
Benefit
Amount
Claims repudiated
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
No of
Lives
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Benefit
Amount
Claims written back
491
(1.12)
487
(1.17)
4
(0.17)
0
0.00
0
0.00
0
0.00
1
(0.09)
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
3
(2.11)
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
140.41
491
(0.78) (100.00)
139.64
487
(0.81) (100.00)
0.77
4
(0.13) (100.00)
0.00
0.00
0.00
0.00
0.00
0.00
0.51
1
(0.12) (100.00)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.26
3
(2.34) (100.00)
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
491
0.00 (100.00)
0
487
0.00 (100.00)
0
4
0.00 (100.00)
0
0.00
0
0.00
0
0.00
0
1
0.00 (100.00)
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
3
0.00 (100.00)
Claims pending
at end of year
No of
Benefit <3 mths 3-<6 mths 6-<1 yr
> 1 yr
Total
Lives Amount
DEATH CLAIMS UNDER MICRO INSURANCE PORTFOLIO 2009-10 - GROUP CATEGORY
139
Reliance Life
Sahara
SBI Life
Shriram
Star Union Dai-ichi
3324
4097
7421
Private Total
LIC
Industry Total
353
MetLife
TATA AIG
ICICI Prudential
Max NewYork
2021
HDFC Standard
Future Generali
Kotak Mahindra
DLF Pramerica
27
Canara HSBC
ING Vysya
915
Birla Sun Life
Bharti AXA
IndiaFirst
Bajaj Allianz
Aviva
IDBI Federal
813.76
636.14
177.62
87.88
0.00
0.00
0.00
0.10
0.00
0.00
0.00
0.00
0.31
0.00
0.00
1.58
0.00
0.00
0.00
0.00
86.91
0.00
0.84
0.00
0.00
Within 30 Days of
Intimation
No. of
Benefit
Policies
Amount
Aegon Religare
Life Insurer
49
49
11
27
No. of
Policies
3.68
0.00
3.68
2.33
0.00
0.00
0.00
0.35
0.00
0.00
0.00
0.00
0.05
0.00
0.00
0.02
0.00
0.00
0.00
0.00
0.00
0.00
0.93
0.00
0.00
Benefit
Amount
31 to 90 Days
22
17
13
No. of
Policies
1.77
1.03
0.74
0.00
0.00
0.00
0.00
0.45
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.04
0.00
0.00
0.00
0.00
0.00
0.00
0.25
0.00
0.00
Benefit
Amount
16
16
16
No. of
Policies
0.01
0.00
0.01
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.01
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Benefit
Amount
181 Days to 1 Year
DURATION
91 to 180 Days
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Benefit
Amount
More than 1 Year

No. of
Policies
STATEMENT 34
7508
4102
3406
364
29
2077
915
16
No. of
Policies
819.22
637.17
182.05
90.21
0.00
0.00
0.00
0.90
0.00
0.00
0.00
0.00
0.36
0.00
0.00
1.65
0.00
0.00
0.00
0.00
86.91
0.00
2.02
0.00
0.00
Benefit
Amount
Total Claims Settled
DURATION WISE SETTLEMENT OF MICRO INSURANCE CLAIMS (INDIVIDUAL CATEGORY) FOR 2009-10
No. of
Lives
0
9
0
0
0
0
0
0
0
0
0
0
45
0
0
0
0
0
29
0
0
0
83
116
199
Aegon Religare
0
0.00
Aviva
1074
172.92
Bajaj Allianz
0
0.00
Bharti AXA
0
0.00
Birla Sun Life
0
0.00
Canara HSBC
0
0.00
DLF Pramerica
0
0.00
Future Generali
0
0.00
HDFC Standard
0
0.00
ICICI Prudential
0
0.00
IDBI Federal
49
3.59
IndiaFirst
0
0.00
ING Vysya
79
7.25
Kotak Mahindra
0
0.00
Max NewYork
0
0.00
MetLife
0
0.00
Reliance Life
0
0.00
Sahara
0
0.00
SBI Life
974
375.42
Shriram
0
0.00
Star Union Dai-ichi
0
0.00
TATA AIG
0
0.00
Private Total
2176
559.18
LIC
41059 17154.63
Industry Total
43235 17713.81
0.00
1.47
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2.41
0.00
0.00
0.00
0.00
0.00
11.41
0.00
0.00
0.00
15.29
33.98
49.27
Benefit
Amount
31 to 90 Days
Within 30 Days of
Intimation
No. of
Benefit
Lives
Amount
Life Insurer
0
2
0
0
0
0
0
0
0
0
0
0
12
0
0
0
0
1
7
0
0
0
22
0
22
No. of
Lives
0.00
0.26
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.92
0.00
0.00
0.00
0.00
0.20
2.30
0.00
0.00
0.00
3.68
0.00
3.68
Benefit
Amount
0
4
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
5
0
5
No. of
Lives
0.00
0.80
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.25
0.00
0.00
0.00
1.05
0.00
1.05
Benefit
Amount
181 Days to 1 Year
DURATION
91 to 180 Days
0
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
0
2
No. of
Lives
0.00
0.37
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.37
0.00
0.37
Benefit
Amount
More than 1 Year

Benefit
Amount
0
0.00
1091
175.82
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
49
3.59
0
0.00
136
10.58
0
0.00
0
0.00
0
0.00
0
0.00
1
0.20
1011
389.38
0
0.00
0
0.00
0
0.00
2288
579.57
41175 17188.61
43463 17768.18
No. of
Lives
Total Claims Settled
DURATION WISE SETTLEMENT OF MICRO INSURANCE CLAIMS (GROUP CATEGORY) FOR 2009-10
STATEMENT 35
140

STATEMENT 36
COMPANY WISE NUMBER OF MICRO INSURANCE AGENTS

Life Insurer
As on
1st April, 2009
Additions
during 2009-10
Deletions
during 2009-10
As on
31st March, 2010
Aegon Religare
Aviva
193
17
210
104
165
140
129
Canara HSBC
DLF Pramerica
Future Generali
HDFC Standard
ICICI Prudential
14
14
IDBI Federal
IndiaFirst
ING Vysya
Kotak Mahindra
Max NewYork
MetLife
Reliance Life
Sahara
13
15
SBI Life
Shriram
Star Union Dai-ichi
TATA AIG
277
124
400
Private Total
603
309
142
770
LIC
6647
2071
812
7906
Industry Total
7250
2380
954
8676
Bajaj Allianz
Bharti AXA
Birla Sun Life
141
142
Jeevan Madhur
Jeevan Mangal
LIC
28th September, 2006

3rd September, 2009
8th August, 2006

8th August, 2006
8th August, 2006
2nd August, 2008
Janashree Bima Yojana
Aam Aadmi Bima Yojana
10th August, 2000

2nd October, 2007
17th May, 2009
1st December, 2007

1st December, 2007
18th March, 2007
15th May, 2007
15th March, 2005
27th March, 2002

30th November, 2007
16th December, 2008
30th March, 2009
6th August, 2002
Date of Launch
STATEMENT 37
* 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.
Tata AIG Life Ayushman Yojana

Tata AIG Life Navkalyan Yojana
Tata AIG Life Sampoorn Bima Yojana
Tata AIG Sumangal Bima Yojana
Tata AIG
Shriram
SUD Life Paraspar Suraksha Plan
Sahara Jankalyan
Star Union Dai-ichi
26th June, 2006
Generic Group Term

Insurance for Social Sector
ING Saral Suraksha
Grameen Shakti
Grameen Super Suraksha
Shri Sahay - SP
Shri Sahay - AP
Sahara Sahyog
Sahara
15th July, 2008
15th July, 2008
SBI Life
Met Vishwas
MetLife
ING Vysya
ICICI Prudential
Sarva Jana Suraksha
31st August, 2007

31st August, 2007
Group Microinsurance Plan
Bima Dhan Sanchay

Bima Suraksha Super
Birla Sun Life
7th March, 2007

7th March, 2007
7th March, 2007
IDBI Federal
Bajaj Allianz Jana Vikas Yojana

Bajaj Allianz Saral Suraksha Yojana
Bajaj Allianz Alp Nivesh Yojana
Bajaj Allianz
Credit Plus
16th March, 2007
Sarv Suraksha
Gramin Suraksha
Aviva
Name of Product
Group Category
Date of Launch
DLF Pramerica
Name of Product
Individual Category
Insurer
LIST OF MICRO INSURANCE PRODUCTS OF LIFE INSURERS*
143
Note:
10499.02
0.24
1.07
5.83
7.14
2000-01
2227.73
3493.05
2247.10
2524.00
10491.88
2001-02
2439.41
4198.06
2498.64
2781.48
11917.59
(13.59)
71.13
77.46
70.51
78.46
28.13
141.96
467.65
(6453.98)
12385.24
(17.97)
338.52
2002-03
2869.87
4812.79
2868.15
2969.63
13520.44
(13.45)
184.44
185.68
213.33
233.93
211.66
296.48
14.79
9.49
1349.80
(188.64)
14870.25
(20.06)
374.78
2003-04
3399.97
4921.47
2899.74
3063.47
14284.65
(5.65)
257.76
161.06
322.24
343.52
486.73
476.53
97.05
112.95
2257.83
(67.27)
16542.49
(11.25)
445.48
369.21
2004-05
3810.65
5103.16
3090.55
2944.46
14948.82
(4.65)
330.70
161.68
496.64
448.24
873.86
851.62
169.25
175.63
3507.62
(55.35)
18456.45
(11.57)
515.55
549.72
1) represents business not started.

2) Figures in the bracket represent the growth over the previous year in per cent.
ECGC
Star Health
Apollo Munich
Max Bupa
AIC
Total
Royal Sundaram
Reliance
IFFCO Tokio
TATA AIG
ICICI Lombard
Bajaj Allianz
Cholamandalam
HDFC Ergo
Future Generali
Universal Sompo
Shriram
Bharti AXA
Raheja QBE
Private Total
INSURER
National
New India
Oriental
United
Public Total
2005-06
3536.34
5675.54
3609.77
3154.78
15976.44
(6.87)
458.64
162.33
892.72
572.70
1582.86
1272.29
220.18
200.94
5362.66
(52.89)
21339.10
(15.62)
577.33
555.83
2006-07
3827.12
5936.78
4020.78
3498.77
17283.45
(8.18)
598.20
912.23
1144.47
710.55
2989.07
1786.34
311.73
194.00
8646.57
(61.24)
25930.02
(21.51)
617.66
22.51
564.67
2007-08
4021.97
6151.97
3900.22
3739.56
17813.71
(3.07)
694.41
1946.42
1128.15
782.64
3307.12
2379.92
522.34
220.60
9.81
0.48
10991.89
(27.12)
28805.60
(11.09)
668.37
168.19
2.97
835.11
GROSS DIRECT PREMIUM OF NON-LIFE INSURERS (WITHIN & OUTSIDE INDIA)

2008-09
4295.85
6455.79
4077.90
4277.77
19107.31
(7.26)
803.36
1914.88
1374.06
823.92
3402.04
2619.29
685.44
339.21
186.49
30.14
113.76
28.50
12321.09
(12.09)
31428.40
(9.11)
744.68
509.86
48.14
833.44
2009-10
4645.99
7099.14
4854.67
5239.05
21838.85
(14.30)
913.11
1979.65
1457.84
853.80
3295.06
2482.33
784.85
915.40
376.61
189.28
416.93
310.82
1.32
13977.00
(13.44)
35815.85
(13.96)
813.00
961.65
114.66
0.13
1520.70
(` Crore)
STATEMENT 38
57342
65225
Oriental
United
144
4254
Universal Sompo
2833
13
129329
386927
Bharti AXA
Raheja QBE
Private Total
Grand Total
174
3429
Future Generali
Shriram
13297
HDFC Ergo
4777
24006
Bajaj Allianz
Cholamandalam
27006
ICICI Lombard
17162
IFFCO Tokio
14340
13957
Reliance
TATA AIG
4081
Royal Sundaram
257598
92378
New India
Public Total
42653
2009-10
National
Insurer/
Segments
338468
120432
280
22
1076
1609
5879
5384
25306
28302
14476
19528
13684
4884
218036
57279
44065
77333
39359
Fire
2008-09
216759
61263
544
385
1536
2489
4239
7394
14657
11511
13241
2961
2302
155496
45356
38812
47430
23897
735562
17
18451
41148
7890
20978
28992
45010
144555
137916
22975
73067
131871
62691
769137
182664
161106
207094
218273
613465
1739
11272
392
9488
15878
31953
150339
132129
22479
68324
116482
52991
720137
156348
149130
200029
214629
Motor
2009-10 2008-09
195615 1504699 1333602
63976
61
54
663
829
3656
8817
21647
11182
11370
3700
1997
131639
33693
33259
44610
20078
Marine
2009-10 2008-09
731137
233021
4919
1741
8231
26874
14951
29555
85676
8230
16422
23875
12547
498116
126541
108454
155247
107874
608800
222453
151
308
5081
5601
16589
33343
97380
7389
14099
31082
11431
386346
90072
70985
135567
89722
Health
2009-10 2008-09
622522
238525
100
4334
366
4659
3488
19889
9508
42724
64252
28324
25893
25301
9689
383997
104119
107957
102102
69819
523905
473671
604251
462517
427777
396423
550883
427990
TOTAL
2009-10 2008-09
132
31082
41693
18928
37661
91540
78485
248233
329506
85380
145784
197965
91311
2850
11376
3014
18649
33921
68544
261929
340204
82392
137406
191488
80336
558698 3462045 3035183
211783 1397700 1232109
618
82
1184
1808
5735
10962
44123
60744
26866
24086
26541
9034
346915 2064345 1803074
90385
98983
93344
64202
Others
2009-10 2008-09
(` Lakh)
STATEMENT 39
SEGMENT WISE GROSS DIRECT PREMIUM INCOME OF NON-LIFE INSURERS (WITHIIN INDIA)
36473
41045
Oriental
United
145
1263
Universal Sompo
(74)
36629
256241
Raheja QBE
Private Total
Grand Total
235407
37319
(37)
(40)
(267)
92
88
2032
11588
10104
2064
6049
4151
1495
198088
40861
31493
96292
29442
Fire
2008-09
100672
23777
(5)
145
13
251
301
1216
5643
3228
6169
3969
1800
1045
76896
21170
18937
23766
13022
572756
(57)
6131
13428
2790
13527
20205
32489
125527
111243
27442
61245
105072
53713
703075
148316
140706
217301
196753
492606
(170)
1839
33
3613
12819
25128
129582
97462
28172
52382
99023
42723
644631
124757
132452
202240
185183
Motor
2009-10 2008-09
94583 1275832 1137237
21880
(28)
(5)
(22)
107
192
1145
5476
2728
5563
4460
1511
754
72703
18623
18500
23177
12403
Marine
2009-10 2008-09
234
Bharti AXA
75
301
Future Generali
Shriram
332
HDFC Ergo
1597
11847
Bajaj Allianz
Cholamandalam
8993
ICICI Lombard
4684
IFFCO-Tokio
2011
4074
Reliance
TATA AIG
1293
Royal Sundaram
219612
106758
New India
Public Total
35335
2009-10
National
Insurer
575340
181542
1504
1056
3879
16401
6196
25854
75166
6531
12350
22176
10429
393798
97202
80769
126900
88927
469438
159951
18
44
1802
3635
5518
23121
68475
8792
11055
27692
9799
309487
70011
54577
116900
67999
Health
2009-10 2008-09
SEGMENT WISE NET PREMIUM INCOME (EARNED)
391935
89749
(195)
351
100
2402
790
2766
4730
19549
20651
16820
9974
6803
5006
302186
76086
82197
96361
47542
383819
359083
571086
381579
319910
306680
524930
342236
TOTAL
2009-10 2008-09
904453
(331)
8364
13605
7524
18748
40006
46229
188420
219282
58973
92222
139925
71486
790741
(278)
1715
(87)
5682
17947
38536
189127
197365
58748
83293
138886
59806
347831 2600020 2284497
78985
(60)
(79)
124
67
1213
4714
19360
18597
14156
9347
6509
5035
268847 1695567 1493756
65658
69659
86320
47210
Others
2009-10 2008-09
(` Lakh)
STATEMENT 40
146
5111
372
Medical Insurance
Overseas Medical Insurance
Total
1040
78
2851
294
233
3018
4203
50340 13729
4288
2759
Personal Accident
Miscellaneous
310
Liability Insurance
15048
Motor Third Party
Crop Insurance
19558
Motor Own Damage
419
6534
140
193
349
261
11
864
4596
2819
74
27
369
80
15
518
1578
25
6875
1907
589
46
757
713
572
1171
18
3219
336
1457
166
144
181
447
24
5332
341
36
154
628
325
51
1206
2070
66
233
5665
496
14
18
1335
155
323
546
931
478
106
417
886
155
25
83
57
78
378
101
1793
1237
2094
887
62
4829
6434
99
27
321
589
1486
31
149
2981
344
216
1354
2044
680
777
518
1370
526 18374 11949
77
74
14
76
238
26
646
50
21
20
160
16
135
232
400
52
1529
3818
8673
655
2047
9182
5017
442
3558
1514
290
7911
1036
801
5857
9486
1669
963
1465
3919
561 88987 38469
47
11
134
165 22733
45 34439
39
21
13
73
208
12
847
Engineering
51
42
216
19
36
443
Marine (Hull)
465
1084
921
86
Marine (Cargo)
75
1746
Fire
1075
Individual
Corporate Agents
Brokers
Referral
Direct
Others
Total
Agents
Banks
Others
Arrangements
Business
Policies Premium Policies Premium Policies Premium Policies Premium Policies Premium Policies Premium Policies Premium Policies Premium
(Policies in 000)
STATEMENT 41
Type of Channel
CHANNEL WISE GROSS DIRECT PREMIUM INCOME FOR 2009-10
Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Goa
Gujarat
Haryana
Himachal Pradesh
Jammu & Kashmir
Jharkhand
Karnataka
Kerala
Madhya Pradesh
Maharasthra
Manipur
Meghalaya
Mizoram
Nagaland
Orissa
Punjab
Rajasthan
Sikkim
Tamil Nadu
Tripura
Uttar Pradesh
Uttrakhand
West Bengal
Andaman & Nicobar Island
Chandigarh
Dadra & Nagara Haveli
Daman & Diu
Delhi
Lakshadweep
Puducherry
Total
States / Union
Terriotories
Marine
Cargo
Marine
Hull
Engineering
Motor
OD
Motor
TP
Liabilty Personal
Accident
Health Overseas
Crop
Mediclaim Insurance
Miscellaneous
Total
( ` Lakh)
27228.80
5864.20
1308.13 24308.82 65922.97 39117.93
3953.29
6458.49 80114.34
2311.96 24010.09 19820.21 300419.22
53.63
10.63
0.00
5.84
508.71
208.15
2.46
5.16
4.13
0.00
0.00
39.93
838.63
2914.87
567.72
22.47
1532.63 13988.64
8710.14
234.20
367.15
1348.02
16.77
232.12
1951.22 31885.96
1617.41
216.43
3.06
514.24 15352.80
9078.56
201.70
568.38
753.17
18.20 24762.00
7456.50 60542.45
2687.41
697.07
8.79
1467.81 13817.16
8025.11
567.17
857.84
1079.46
29.66
3010.94
4491.98 36740.41
1386.06
611.02
1216.56
362.12
7387.75
4350.12
183.54
273.27
1463.31
95.04
0.09
458.37 17787.25
34836.08
8507.62
4880.49
9441.70 61792.52 38210.81
4929.76
7956.86 52428.08
2050.74 11230.19 20994.32 257259.17
16259.74
5270.25
2003.41
4956.84 42930.09 28882.76
1941.22
3313.47 17916.48
376.55
625.51 12393.35 136869.67
1619.11
145.57
0.10
254.64
5263.72
3988.16
144.05
143.97
663.19
13.36
355.94
1261.88 13853.70
1798.92
250.46
0.16
436.28
7969.07
5633.28
130.65
479.74
310.38
22.14
12.04
2512.89 19556.01
1153.43
294.97
0.00
774.54 10426.96
5723.17
151.86
905.17
5570.95
74.88
2833.16
1862.48 29771.56
18799.26
6799.05
836.61
7296.06 68105.98 41944.12
9394.56
5999.21 71818.08
2666.96
5365.27 20759.44 259784.61
7818.31
1045.58
459.44
1374.58 52761.91 40530.43
1031.46
2580.78 18360.45
735.68
434.63 10602.85 137736.09
5448.58
2728.10
0.81
1785.50 32578.64 22020.41
687.23
1093.27
7267.99
202.75 14676.21
8103.22 96592.70
129432.63 34353.56 77810.65 49675.01 140754.46 73778.06 32980.44 35857.24 248118.50 12069.10 11389.52 104927.18 951146.34
33.02
4.49
0.00
2.46
424.88
207.01
15.42
1.74
18.52
0.05
74.79
83.00
865.38
218.84
14.13
0.85
62.45
1068.41
775.17
10.04
27.58
48.16
1.78
34.06
157.31
2418.79
127.54
1.16
0.00
3.68
480.61
336.79
5.17
5.24
0.24
0.00
0.60
102.25
1063.28
51.58
11.54
0.00
6.91
531.59
291.93
9.59
0.39
246.33
0.00
0.00
109.04
1258.89
3607.16
716.23
34.75
2294.87 18057.92 11449.65
321.99
917.25
1565.81
27.39
5828.57
4309.52 49131.11
10607.21
1940.63
389.89
3127.77 34124.76 17603.34
471.89
1381.70
5534.47
475.45
45.63
9193.13 84895.87
6679.51
2666.68
6.90
1458.09 44900.66 29403.83
746.16
3716.78
6202.14
261.29 21978.18 14066.34 132086.55
33.13
11.48
0.00
105.87
476.63
301.10
11.57
6.60
26.86
1.25
0.77
49.10
1024.35
33850.54 11579.74
5482.63 14755.19 89408.40 64001.66
6145.58
9506.66 116148.00
2833.01
6952.43 28773.14 389436.98
163.68
18.41
0.00
70.44
1515.61
1025.53
23.58
98.99
458.01
0.08
16.23
206.17
3596.74
13642.69
4586.12
502.63
4193.64 65333.62 39283.43
1502.98
4582.23 24462.50
406.85
8683.83 26237.86 193418.39
2162.69
443.90
2.87
436.35
8235.24
5670.08
231.58
289.83
1426.18
39.71
426.62
2386.64 21751.71
20884.67
7272.60
426.99 10984.37 38607.45 24502.52
2562.86
2612.93 40638.00
887.30
8389.74 14339.21 172108.62
90.43
17.84
74.06
7.72
199.21
185.75
1.21
1.91
3.48
0.01
0.53
21.07
603.22
2903.16
1036.71
1.00
1071.08 12941.02
6501.80
234.42
497.71
6467.05
377.17
0.00
2199.17 34230.29
153.17
23.86
0.00
25.50
139.66
136.24
56.26
9.93
94.62
1.07
0.00
24.00
664.31
175.00
54.90
0.34
40.88
142.58
123.78
33.67
17.41
182.19
0.00
0.00
29.58
800.32
40800.26 27652.74
949.60 22799.96 76030.09 28114.50
8772.08
9823.64 86777.93
2957.53
0.00 31571.83 336250.15
0.00
0.00
0.00
0.00
0.19
1.20
0.00
2.40
0.22
0.00
0.00
0.00
4.01
389.37
105.68
2.82
52.51
2302.65
1215.08
31.97
82.06
432.55
20.39
20.32
206.40
4861.78
389627.90 125521.05 96426.03 165686.31 934482.58 561331.61 77721.59 100442.98 797949.81 28974.08 151390.01 351700.58 3781254.52
Fire
STATE-WISE GROSS DIRECT PREMIUM INCOME FOR 2009-10
STATEMENT 42
147
STATEMENT 43
NET RETENTIONS OF NON-LIFE INSURERS FOR 2009-10

(In Per Cent)
Segment
Retentions*
Fire
73.99
Marine Cargo
85.35
Marine Hull
23.31
Motor
99.99
Engineering
68.88
Aviation
25.64
Miscellaneous
91.39
Total
90.30
* Within the country
148
106758
36473
35335
41045
219612
Oriental
149
National
United
Total
97202
88927
80769
76086 383819 319910
47542 381579 342236
82197 359083 306680
19807
20288
31128
76896 703075 393798 302186 1695567 1493756 178101
21170 148316
13022 196753
18937 140706
96511
37200 332924 251505
32846 324536 339367
51548 326018 305719
58058 617574 471982 171008 1496723 1363779
21852 126182 127884
4752 170140
12379 126844 104119
36.49
65.37
81.10
75.50
48.26 103.22
57.42
85.35
80.26
Fire Marine
49415 513245 467187 100.11

Motor Health Others 2009-10 2008-09
(` Lakh)
19075 194409 143468
Fire Marine
96361 571086 524930 106878
Net Earned Premium

(` Lakh)
23766 217301 126900
Fire Marine
New India
Insurer
INCURRED CLAIMS RATIO-PUBLIC SECTOR

NON-LIFE INSURERS
87.84 119.85
85.08 131.56
86.47 108.53
90.15 128.91
89.47 113.06
56.59
48.89
69.09
62.71
51.28
88.27
86.74
85.05
90.79
89.87
91.30
78.62
99.16
99.69
89.00

(Per cent)
STATEMENT 44
150
1597
332
301
1263
Cholamandalam
HDFC Ergo
Future Generali
Universal Sompo
6531 16820 58973 58748
9974 92222 83293
6803 139925 138886
5006 71486 59806
6196
2790
(57)
6131
0
1504
1056
3879
7524
(195)
351
(331)
8364
100 13605
2402
790 18748
(278)
1715
(87)
5682
2766 40006 17947
4730 46229 38536
906
63
879
549
522
1215
6877
6581
1022
4383
3172
494
5099
3859
8626 39637 35567
5872 73267 69502
4514 118569 107366
2089 50907 41235
7277
178
88
14
5175
9497
2244
301 11522
1536
1445
4033
465 17408 19362
993 21535
98.95
65.28
76.05
58.05
73.18
50.83
81.65
81.11
82.64
76.57
93.57 102.93
77.86
38.18
Fire Marine
30
826
38
1094
45
8619
9599
5749
511 16915
84.30
78.95
69.60 673.85
72.79
86.40
STATEMENT 45
48.89
69.36
90.06
59.10
37.62
70.56 69.97
45.52 76.41 (277.23)
64.63 90.23 105.65
66.15 98.95 80.73
72.18 74.49 71.56
59.55 73.59 71.90
50.87 86.77 85.35
51.28 67.21 60.54
58.87 79.45 83.44
66.37 84.74 77.30
41.72 71.21 68.95
80.42
92.22
56.81 80.30 76.88
(15.13) (13.71)
84.41 102.10 235.29 103.05 (103.97)
70.73
80.42 136.86
85.18 103.99
86.16 118.05
66.28 117.45
77.78
92.42
78.01
74.17 109.30
79.39 115.83
79.21

(Per cent)
(1.49) (10.32) (24.98)
289 387.66 122.52
1200
241
6003 182.34 119.88
1830 39586 14489 157.05 154.59
3414 34434 27578
4577 97630 17931 11641 138657 135992
2668 102816 67693 10504 190263 168454
4724 21407
4085 45428 13499
1781 83414 25687
682 42544
Fire Marine

(` Lakh)
36629 23777 572756 181542 89749 904453 790741 26663 20543 460633 167422 50989 726249 607916
(5)
145
2 13428
13
251 13527
301 20205 16401
1216 32489
5643 125527 25854 19549 188420 189127
3228 111243 75166 20651 219282 197365
6169 27442
3969 61245 12350
1800 105072 22176
1045 53713 10429
Net Earned Premium

(` Lakh)
Total
(74)
11847
Bajaj Allianz
Raheja QBE
8993
ICICI Lombard
234
2011
TATA AIG
Bharti AXA
4684
IFFCO Tokio
75
4074
Reliance
Shriram
1293
Fire Marine
Royal Sundaram
INSURER
INCURRED CLAIMS RATIO-PRIVATE SECTOR NON-LIFE INSURERS
151
40467
NET PROFIT AFTER TAX
Note: Figures in brackets indicates negative values.
4540
214082
GROSS INVESTMENT INCOME
INCOME TAX DEDUCTED

AT SOURCE AND
PROVISION FOR TAX
(171905)
-30.10%
UNDERWRITING PROFIT/LOSS
35927
29180
4.86%
INCREASE IN RESERVE FOR

UNEXPIRED RISK
PROFIT BEFORE TAX
229743
38.27%
COMMISSION, EXPENSES
OF MANAGEMENT
-6249
513245
85.50%
INCURRED CLAIMS (Net)
OTHER INCOME LESS OTHER OUTGO
600263
NET PREMIUM
22415
(7308)
29723
5876
167686
(143840)
-27.40%
25101
4.56%
201583
36.65%
467187
84.94%
550031
NEW INDIA
2009-10
2008-09
PARTICULARS
(4425)
(13249)
8823
(1983)
116944
(106138)
-29.56%
37170
9.38%
139202
35.13%
326018
82.28%
396253
(5266)
3576
(8842)
2182
99562
(110586)
-36.06%
16830
5.20%
111546
34.48%
305719
94.50%
323510
ORIENTAL
2009-10
2008-09
22486
(4373)
26859
(20010)
134845
(87976)
-23.06%
16187
4.07%
145019
36.46%
324536
81.59%
397765
(14921)
(1567)
(13354)
(3731)
103962
(113585)
-33.19%
23127
6.33%
116454
31.87%
339367
92.88%
365363
NATIONAL
2009-10
2008-09
70779
(11505)
82284
1526
168857
(88099)
-22.95%
35196
8.40%
138994
33.17%
332924
79.45%
419016
47605
(2686)
50291
(3797)
108767
(54679)
-17.09%
31131
8.87%
123084
35.06%
251505
71.65%
351041
UNITED
2009-10
2008-09
UNDERWRITING EXPERIENCE AND PROFITS OF PUBLIC SECTOR COMPANIES
129307
(24587)
153894
(26715)
634727
(454118)
-26.78%
117733
6.49%
652958
36.01%
1496723
82.54%
1813297
49833
(7985)
57818
529
479978
(422690)
-28.30%
96189
6.05%
552667
34.76%
1363779
85.78%
1589946
TOTAL
2009-10
2008-09
(` Lakh)
STATEMENT 46
152
3401
(304)
3097
PROFIT BEFORE TAX
INCOME TAX DEDUCTED

AT SOURCE AND
PROVISION FOR TAX
566
(407)
973
7557
(6591)
-11.02%
7026
10.51%
25161
37.65%
41235
61.70%
66831
12083
(5898)
17980
2909
23336
(8265)
-4.39%
8747
4.44%
58028
29.43%
138657
70.32%
197167
9516
(5461)
14977
2628
21475
(9126)
-4.83%
11532
5.75%
62261
31.03%
135992
67.77%
200658
BAJAJ ALLIANZ
2009-10 2008-09
Note: Figures in brackets indicate negative amounts.
18
OTHER INCOME LESS

OTHER OUTGO
9278
3974
5.27%
INCREASE IN RESERVE
FOR UNEXPIRED RISK
GROSS INVESTMENT INCOME
26474
35.08%
OF MANAGEMENT
(5894)
-8.25%
50907
67.46%
CLAIMS INCURRED (NET)
UNDERWRITING PROFIT/LOSS
75460
NET PREMIUM
ROYAL SUNDARAM
2009-10 2008-09
670
(509)
1178
78
9008
(7908)
-13.41%
(973)
-1.68%
27244
46.97%
39637
68.34%
58000
424
(526)
950
(536)
7172
(5686)
-9.68%
0
0.00%
28867
49.14%
35567
60.54%
58749
TATA AIG
2009-10 2008-09
(5043)
4012
(9055)
(1140)
15313
(23228)
-16.60%
2947
2.06%
44583
31.21%
118569
82.99%
142872
(5232)
(215)
(5017)
(199)
14650
(19468)
-14.02%
1070
0.76%
50989
36.43%
107366
76.71%
139956
RELIANCE
2009-10 2008-09
2538
(1323)
3861
539
11991
(8669)
-9.42%
7040
7.10%
27446
27.70%
73267
73.94%
99083
250
(442)
692
(0.36)
10541
(9849)
-11.82%
5275
5.96%
23639
26.69%
69502
78.47%
88568
IFFCO TOKIO
2009-10 2008-09
14393
(1438)
15831
(2815)
47246
(28600)
-13.04%
12126
5.24%
57619
24.90%
190263
82.22%
231409
2362
2335
27
(5159)
36574
(31388)
-15.90%
14282
6.75%
60300
28.49%
168454
79.59%
211648
ICICI LOMBARD
2009-10 2008-09
UNDERWRITING EXPERIENCE AND PROFITS OF PRIVATE SECTOR COMPANIES
236
51
185
314
5326
(5455)
-11.80%
5235
10.17%
17250
33.52%
34434
66.91%
51463
699
(486)
1185
(30)
3851
(2636)
-6.84%
4877
11.23%
13595
31.31%
27578
63.52%
43414
CHOLAMANDALAM
2009-10 2008-09
(` Lakhs)
STATEMENT 47
153
14535
24.69%
18863
32.04%
(14116)
(18.16%)
OF MANAGEMENT
INCREASE IN RESERVE FOR

UNEXPIRED RISK
UNDERWRITING
PROFIT/LOSS
(9430)
(2575)
(53)
(2521)
42
2695
(5259)
(25.03%)
1529
7.85%
8717
44.75%
14489
74.39%
19477
Note: Figures in brackets indicate negative amounts.
16
(9446)
PROFIT BEFORE TAX
INCOME TAX DEDUCTED

AT SOURCE AND
PROVISION FOR TAX
(117)
OTHER INCOME LESS

OTHER OUTGO
4787
39586
67.25%
CLAIMS INCURRED (NET)
GROSS INVESTMENT
INCOME
58868
NET PREMIUM
HDFC ERGO
2009-10 2008-09
6861
53.83%
9142
71.73%
6003
47.10%
12745
(8970)
(8970)
(118)
1863
(8533)
(37)
(8496)
(410)
1174
(10716)
(9260)
(57.16%) (157.35%)
5900
23.94%
12548
50.91%
16915
68.63%
24647
FUTURE GENERALI
2009-10 2008-09
1882
104.84%
2843
158.37%
241
13.42%
1795
(5207)
146
(5353)
(163)
2064
(1439)
(20)
(1419)
(11)
1763
(7254)
(3171)
(96.41%) (3647.64%)
7293
49.22%
9029
60.93%
5749
38.80%
14817
UNIVERSAL SOMPO
2009-10 2008-09
1587
(887)
2474
(11)
1940
545
4.00%
8815
39.32%
3461
15.44%
9599
42.82%
22420
(390)
139
(529)
(78)
902
(1354)
(12.87%)
4402
71.96%
1869
30.56%
1200
19.62%
6117
SHRIRAM
2009-10 2008-09
(14230)
(4)
(14226)
(317)
909
45
(16.09%)
(282)
1520
122.38%
(5775)
(44)
(5732)
(597)
765
(579)
(579)
(13)
1006
(1571)
474.56%
49
(17.32%)
5333
1195
429.48% (423.36%)
289
23.26%
1242
(14819)
(5899)
(51.15%) 2123.20%
10305
55.20%
14564
78.01%
8619
46.17%
18669
(8856)
(6136)
(2720)
(836)
134067
(135951)
(15.03%)
90320
9.08%
313976
31.57%
726249
73.02%
994594
(10126)
(5216)
(4910)
(4343)
109120
(109687)
(13.87%)
60256
7.08%
292715
34.39%
607916
71.42%
851199
BHARTI AXA
RAHEJA QBE
TOTAL
2009-10 2008-09 2009-10 2009-10 2008-09
(` Lakh)
UNDERWRITING EXPERIENCE AND PROFITS OF PRIVATE SECTOR COMPANIES
(` Crore)
STATEMENT 48
154
126.06
93.08
128.93
59.40
27.78
49.53
24.65
79.57
0.00
0.00
Cholamandalam
HDFC Ergo
Universal Sompo
Future Generali
Apollo Munich
Shriram
Bharti AXA
Raheja QBE
SBI General
Max Bupa
16038.12
3746.29
31.10
60.83
59.16
65.45
99.35
35.72
69.46
109.86
171.53
179.47
101.10
818.33
6076.92
742.21
0.00
0.00
0.00
0.00
0.00
6.97
1.57
11.98
0.00
0.00
0.00
191.48
259.38
140.09
0.00
75.34
55.41
5334.70
686.49
1024.26
540.59
1265.81
1817.55
6971.21
1132.48
10.50
93.31
0.00
0.00
0.00
10.01
29.16
24.04
40.23
0.00
0.00
311.60
356.10
35.72
0.00
80.71
141.09
5838.73
766.35
903.06
744.02
1139.50
2285.80
Note: Figures for the period ended 31st March, 2010 are based on the provisional figures
3214.57
31.01
Star Health
14591.22
956.72
TOTAL (A+B)
579.09
519.16
Bajaj Allianz
ICICI Lombard
PRIVATE SECTOR (B)
354.86
179.95
TATA AIG
412.58
211.88
386.52
12291.84
376.62
11376.65
PUBLIC SECTOR (A)
1929.10
2025.37
IFFCO Tokio
1980.17
172.87
1720.38
United India
Oriental
1472.64
Royal Sundaram
1405.12
National
3098.47
389.24
3042.10
New India
3766.25
Reliance General
3228.88
4244.15
984.50
0.00
0.00
10.02
4.96
14.51
9.58
14.81
16.60
24.38
31.48
24.93
190.43
242.57
69.36
126.01
104.66
100.19
3259.65
456.35
418.74
415.43
828.61
1140.53
4789.74
1179.78
7.53
49.26
10.01
15.24
14.59
13.32
26.62
21.49
40.14
45.85
15.00
204.33
216.61
115.10
128.59
145.08
111.04
3609.96
424.99
850.54
419.85
714.53
1200.05
8979.82
2490.36
0.00
0.00
20.13
16.13
50.65
12.39
44.56
25.14
45.87
45.08
19.93
706.07
556.71
225.19
169.92
217.90
334.71
6489.46
574.72
1441.96
1083.46
1781.67
1607.65
10373.01
3288.92
12.52
156.69
25.19
36.94
112.14
33.01
76.38
60.34
171.30
96.89
24.97
765.96
757.84
217.58
192.92
218.76
329.49
7084.09
827.28
1168.64
1209.25
1792.49
2086.43
21030.50
3311.48
0.00
0.00
77.76
62.61
21.86
41.96
18.50
25.00
95.98
167.52
11.21
845.53
776.31
94.93
385.47
217.54
469.30
17719.02
2129.84
2991.46
1776.08
3411.45
7410.20
24256.10
4816.04
35.96
276.23
87.47
136.67
52.08
44.55
66.39
30.64
183.71
252.02
86.89
1208.62
827.46
130.66
545.41
251.79
599.51
19440.06
2473.33
3728.47
1883.89
4717.07
6637.31
3970.65
367.90
0.00
0.00
0.00
10.68
4.00
3.77
22.12
0.00
14.28
1.38
5.00
286.62
0.00
4.92
0.00
0.00
15.12
3602.75
325.95
771.71
538.06
442.07
1524.96
3943.74
521.32
4.92
0.00
0.00
20.91
0.00
2.59
7.99
11.83
17.23
0.00
28.09
333.86
2.79
2.04
0.00
0.05
89.01
3422.42
310.11
578.13
640.16
388.97
1505.03
58893.27
11111.02
0.00
0.00
187.49
119.03
140.55
102.45
160.97
207.64
273.59
371.52
92.09
3176.85
2354.13
714.43
1058.02
788.31
1363.97
47782.25
6153.53
8368.51
5758.74
10771.71
16729.76
66371.92
14684.83
102.53
636.32
181.83
275.21
278.16
139.20
276.00
258.19
624.13
574.23
256.05
3642.70
2739.89
855.97
1279.50
908.26
1656.66
51687.09
6731.16
9254.22
6369.80
11851.03
17480.88
State Govt. & Other Housing & Loans to State

Infrastructure
Approved
Other
Total
Approved Securities Govt. for Housing & FFE
Investments
Investments
Investments
Investments
31-Mar-09 31-Mar-10 31-Mar-09 31-Mar-10 31-Mar-09 31-Mar-10 31-Mar-09 31-Mar-10 31-Mar-09 31-Mar-10 31-Mar-09 31-Mar-10 31-Mar-09 31-Mar-10
Central Govt. Securities
GIC
Insurer
ASSETS UNDER MANAGEMENT OF NON-LIFE INSURERS

STATEMENT 49
EQUITY SHARE CAPITAL OF NON-LIFE INSURERS

(` Crore)
Insurer
As on
31st March
2009
Infusion
During
2009-10
Royal Sundaram
210.00
0.00
Reliance General
113.08
Bajaj Allianz
As on
31st
March 2010
Foreign
Promoter
Indian
Promoter
FDI (%)
210.00
54.60
155.40
26.00
2.14
115.22
0.00
115.22
0.00
110.23
0.00
110.23
28.66
81.57
26.00
IFFCO Tokio
247.00
0.00
247.00
64.22
182.78
26.00
TATA AIG
300.00
0.00
300.00
78.00
222.00
26.00
ICICI Lombard
403.14
0.50
403.63
104.54
299.09
25.90
HDFC Ergo
200.00
215.00
415.00
107.90
307.10
26.00
Cholamandalam
141.96
125.00
266.96
69.41
197.55
26.00
Future Generali
190.25
89.75
280.00
71.40
208.60
25.50
Universal Sompo
150.00
0.00
150.00
39.00
111.00
26.00
Bharti AXA
162.58
37.42
200.00
44.44
155.56
22.22
Shriram
105.00
0.00
105.00
27.30
77.70
26.00
Raheja QBE
200.00
7.00
207.00
53.82
153.18
26.00
SBI General*
150.00
150.00
39.00
111.00
26.00
Sub Total (Private Sector) 2533.23
626.81
3160.04
782.30
2377.74
24.76
United India
150.00
0.00
150.00
0.00
150.00
0.00
New India
200.00
0.00
200.00
0.00
200.00
0.00
Oriental
100.00
0.00
100.00
0.00
100.00
0.00
National
100.00
0.00
100.00
0.00
100.00
0.00
Sub Total (Public Sector)
550.00
0.00
550.00
0.00
550.00
0.00
3083.23
626.81
3710.04
782.30
2927.74
21.09
ECGC
900.00
0.00
900.00
0.00
900.00
0.00
AIC
200.00
0.00
200.00
0.00
200.00
0.00
Star Health
109.30
55.03
164.33
42.36
121.97
25.78
Apollo Munich
107.37
21.93
129.30
32.41
96.89
25.06
151.00
151.00
39.26
111.74
26.00
430.00
0.00
430.00
0.00
430.00
0.00
4829.90
854.77
5684.67
896.32
4788.35
15.77
Total (Non Life)
Max Bupa*
GIC
Grand Total (Non Life)
Note : * Insurers have commenced operations in 2009-10
155

STATEMENT 50
SOLVENCY RATIOS OF NON-LIFE INSURERS
SL
No.
Insurer
March,
2009
June,
2009
September,
2009
December,
2009
March,
2010
PRIVATE INSURERS
1
Bajaj Allianz
1.62
2.18
2.18
2.18
1.54
Bharti AXA
2.11
1.78
1.78
1.71
2.38
Cholamandalam
1.02
2.14
1.65
1.56
1.76
Future Generali
1.83
1.80
1.85
1.83
1.54
HDFC Ergo
2.48
1.52
2.72
1.91
1.49
ICICI Lombard
2.03
1.98
2.08
2.08
2.07
IFFCO Tokio
1.77
2.37
2.33
2.22
1.76
Raheja QBE
NA
3.93
3.84
3.81
3.79
Royal Sundaram
1.64
2.51
2.10
2.07
1.39
10
Reliance
1.59
2.60
2.37
1.91
1.70
11
SBI General
NA
NA
NA
12.97
12.84
12
Shriram
1.94
1.99
2.06
2.18
1.75
13
TATA AIG
1.97
1.92
1.85
1.83
1.88
14
Universal Sompo
4.23
4.09
3.86
3.57
3.15
PUBLIC INSURERS
15
National
1.56
1.60
1.75
1.63
1.60
16
New India
3.41
3.34
3.45
2.83
3.55
17
Oriental
1.66
1.67
1.56
1.51
1.56
18
United India
3.32
2.55
3.79
3.91
3.41
SPECIALISED INSURERS
19
AIC
4.58
31.37
4.54
2.61
2.07
20
Apollo Munich Health
1.82
1.52
1.58
1.68
1.64
21
ECGC
16.42
27.71
26.23
24.50
14.17
22
Max Bupa Health
NA
NA
NA
NA
2.07
23
Star Health
1.38
2.55
1.97
1.62
1.68
3.67
3.49
3.04
3.89
3.71
RE-INSURER
24
GIC
156
106878
12827
Commission
157
(30572)
(30572)
(30572)
1189
1189
1189
29645
8658
1907
19075
30834
4046
3022
23766
Marine
(20974)
(20974)
(20974)
557796
70
51
128981
41402
387292
536822
55102
41158
440562
Misc
Note: Figure in brackets indicates the negative value
TOTAL (C )
Transfer to Other Reserves
Catastrophe Reserve
Transfer to
Shareholders Account
Transfer to
APPROPRIATIONS
C= (A - B)
Miscellaneous Business
from Fire/Marine/
Operating Profit/(Loss)
155684
Foreign Taxes
TOTAL (B)
10
Write offs & Provisions
Others- Amortizations,
to Insurance Business
35967
125112
TOTAL (A)
Operating Expenses related
10506
7847
106758
Fire
Rent Gross
Interest, Dividend &
Others
of Investments
Profit/ Loss on sale/redemption
PARTICULARS
2009-10
(50358)
(50358)
(50358)
743125
73
65
173606
56137
513245
692767
69654
52028
571086
Total
5954
5954
5954
103636
(79)
29340
13705
60668
109590
9681
3616
96292
Fire
NEW INDIA
(9009)
(9009)
(9009)
36919
(28)
7780
1455
27711
27910
3446
1287
23177
Marine
(47232)
(47232)
(47232)
527806
141
(446)
108381
40923
378807
480574
54685
20429
405460
Misc
2008-09
(50288)
(50288)
(50288)
668362
144
(553)
145501
56083
467187
618074
67812
25333
524930
Total
345
345
345
45380
(17)
14415
(146)
31128
45725
4852
(88)
4488
36473
Fire
1953
1953
1953
21007
(8)
7099
1536
12379
22960
2253
(315)
2084
18937
Marine
(21742)
(21742)
(21742)
398673
(135)
93562
22736
282510
376931
38123
(125)
35261
303672
Misc
2009-10
(19443)
(19443)
(19443)
465060
(161)
115076
24127
326018
445616
45228
(528)
41834
359083
Total
(8727)
(8727)
(8727)
47154
26
10582
301
36245
38427
4284
(79)
2729
31493
Fire
ORIENTAL
PUBLIC SECTOR NON-LIFE INSURERS : POLICYHOLDERS ACCOUNT
(2281)
(2281)
(2281)
24018
12
5613
1167
17226
21737
2029
(83)
1292
18500
Marine
(28643)
(28643)
(28643)
346354
223
75249
18634
252248
317711
37313
(55)
23765
256687
Misc
2008-09
(39651)
(39651)
(39651)
417526
260
91444
20102
305719
377875
43626
(216)
27786
306680
Total
(` Lakh)
STATEMENT 51
158
1220
Commission
39070
55241
45138
63821
20825
23141
8081
11646
11646
7101
7101
(6658)
(6658)
12090
12090
Note: Figures in brackets indicate the negative value
Shareholders Account
Transfer to
APPROPRIATIONS
C= (A - B)
Miscellaneous Business
from Fire/Marine/
596
8298
10434 434190 478449
82
4504 105190 121878
1096
4752 299497 324536
17535 427532 490538
1870
2643
TOTAL (B)
33825
Total
596
134
Misc
13022 333221 381579
Marine
Foreign Taxes
Write offs & Provisions
Others- Amortizations,
12183
20288
4199
45471
TOTAL (A)
5937
35335
Fire
Rent Gross
Interest, Dividend &
Others
redemption of Investments
Profit/ Loss on sale/
PARTICULARS
1884
1884
34586
81
9660
1085
23761
Total
36566
995
33510
41790
1013
38298
7757
81439
19620
7914
94636
21818
(2782) (39500) (40398)
(2782) (39500) (40398)
18187 410962 463735
76
3538
1112
13460 302146 339367
15405 371462 423338
1559
13
5
3665
1429
36470
Misc
12403 300391 342236
Marine
2008-09
3359
29442
Fire
NATIONAL
2009-10
19975
19975
33729
268
14095
(441)
19807
53704
5582
585
6491
41045
Fire
Misc
Total
40215
4027
46763
47882
4908
55678
23294
1931
2299
94483 115699
21454
(5381)
(5381)
3477
3477
18071
18071
31355 409132 474217
100
7122
2282
21852 291265 332924
25974 412609 492288
2085
296
2424
Fire
4417
4417
43751
246
13858
54
29593
48168
4724
2580
40861
UNITED
21170 321604 383819
Marine
2009-10
Misc
Total 2009-10 2008-09
37472
71
20463
4380
860
44101 207902 197329
63
24083 213361 115499
19944 126699 117947
1948
2292
669
10500
144
9914
83668 103140 526259 434721
18519
(596)
(596)
7455
7455
11276 (39641) (119061)
11276 (39641) (119061)
22154 310976 376882 2160851 1926505
99
5613
1371
15071 206841 251505 1496723 1363779
21558 318431 388157 2121210 1807444
1905
(10)
1040
18623 260426 319910 1695567 1493756
Marine
TOTAL
(` Lakh)
2008-09
PUBLIC SECTOR NON-LIFE INSURERS : POLICYHOLDERS ACCOUNT
159
(47)
(490)
29723
(7308)
22415
4500
765
(93)
7708
35927
4540
40467
8500
1445
30523
476
(744)
(175)
455
7379
(34)
12655
4495
4978
29233
54269
20273
5954
(9009)
(47232)
(50288)
1592
43635
52893
39508
(30572)
1189
(20974)
(50358)
2008-09
NEW INDIA
2009-10
Note: Figures in brackets indicate negative values
OTHER INCOME
TOTAL (A)
(c) Others
OTHER EXPENSES
(a) Expenses other than those
related to Insurance Business
(c) Others
TOTAL (B)
Profit Before Tax
Profit after Tax
APPROPRIATIONS
(a) Interim dividends paid
during the year
(b) Proposed final dividend
(c) Dividend distribution tax
Contingency reserves for
Unexpired Risks (Schedule 16B)
(d) Transfer to any Reserves or Other Accounts
Balance of Profit / Loss B/f from last year
Balance C/f to Balance Sheet

(a) Fire Insurance
PARTICULARS
(4425)
(345)
1195
8823
(13249)
(4425)
(5)
1250
295
(420)
10018
15523
14358
345
1953
(21742)
(19443)
2009-10
(5266)
1
(272)
271
(8842)
3576
(5266)
66
168
309
2929
(8571)
17197
10953
(8727)
(2281)
(28643)
(39651)
2008-09
ORIENTAL
17341
4398
747
(14921)
985
(1807)
(13354)
(1567)
(14921)
208
275
1313
12888
26859
(4373)
22486
(3907)
907
1363
(15160)
12458
11717
(301)
1884
(2782)
(39500)
(40398)
2008-09
(198)
11498
1772
39747
10723
15162
11646
7101
(6658)
12090
2009-10
NATIONAL
54167
14200
2412
2125
1449
82284
(11505)
70779
91
36
(803)
366
83734
30190
35107
19975
(5381)
3477
18071
2009-10
36375
9600
1630
1723
1362
50291
(2686)
47605
59
(114)
(307)
(133)
51653
26202
14308
4417
(596)
7455
11276
2008-09
UNITED
PUBLIC SECTOR NON-LIFE INSURERS : SHAREHOLDERS ACCOUNT
97605
27098
4604
3000
23239
153894
(24587)
129307
366
288
19324
262
3310
177134
109330
104135
1394
4863
(45897)
(39641)
28843
4495
14100
2395
268
1
2389
(664)
57818
(7985)
49833
(3479)
24
134
9138
57154
110125
57252
(301)
3528
(14668)
(107920)
(119061)
2008-09
TOTAL
2009-10
(` Lakh)
STATEMENT 52
723021
1564174
Reserves & Surplus
Fair Value Change Account
160
9458
Deferred Tax Assets
981361
948057
428039
1376096
(394735)
Sub-Total (A)
CURRENT LIABILITIES
Provisions
Sub-Total (B)
Net Current Assets (C)= (A-B)
741729
712215
20000
1473945
(380346)
1219132
356961
862171
838785
506702
332084
2331
15817
59386
1776757
1473945
TOTAL
Profit & Loss Account (Debit Balance)
extent not written off or adjusted)
2307194
544842
Misc. Expenditure (to the
436519
Cash & Bank Balance
CURRENT ASSETS
16215
55935
2620322
Fixed Assets
Loans
Investments
TOTAL
Deferred Tax Liability
2307194
20000
Share Capital
Borrowings
2010
SOURCES OF FUNDS
2009
NEW INDIA
PARTICULARS
1004656
(416209)
805917
282632
523286
389708
239763
149946
9078
30999
1380788
1004656
811716
182940
10000
2010
594921
(391697)
751341
224289
527053
359645
244632
115013
8547
33636
944434
594921
397556
187365
10000
2009
ORIENTAL
963806
5578
(506593)
841819
230340
611479
335226
291062
44164
10990
35977
1417854
963806
805516
148290
10000
2010
501598
655
(457602)
753380
197708
555671
295778
256409
39369
5611
37840
915093
501598
360649
130949
10000
2009
NATIONAL
(AS ON 31st MARCH)
896090
(504934)
824887
288805
536082
319953
235577
84376
10838
45356
1344830
896090
480845
400245
15000
2010
2009
547441
(483290)
749467
236086
513382
266177
204352
61825
12396
50414
967921
547441
186082
346359
15000
UNITED
PUBLIC SECTOR NON-LIFE INSURERS : BALANCE SHEET
5171746
5578
(1822471)
3848720
1229815
2618904
2026249
1311244
715004
9458
47121
168268
6763793
5171746
3662251
1454495
55000
2010
55000
2009
3117905
655
(1712935)
3473321
1015044
2458277
1760386
1212095
548291
2331
42372
181277
4604205
3117905
1686016
1376889
TOTAL
(` Lakh)
STATEMENT 53
161
748
748
748
70
70
70
1092
385
Note : Figures in brackets indicate the negative values.
TOTAL (C )
APPROPRIATIONS
(Loss) C= (A - B)
Operating Profit/
TOTAL (B)
Others-Miscellaneous
944
702
Operating Expenses related to

Insurance Business
Co-insurance administration fee
24
267
267
267
75345
22310
3304
49731
1086
1086
1086
77381
23397
3077
50907
78467
(937)
(937)
(937)
66397
21955
3206
41235
65460
5149
499
59806
3964
3964
3964
9706
4402
(1574)
6877
13670
1617
138
67
11847
14606
3332
607
16721
3480
695
14915
3146
1231
170931 188420 189127
Misc. 2009-10 2008-09
1512
349
4577
48937
4401
354
172
59883
2378
(268)
(268)
(268)
8578
8578
8578
12274
12274
12274
9640
9640
9640
6438 180898 197042 198779
212
145
54851
3177
127203 138657 135992
6171 189476 209316 208419
498
21
5643
Marine
212
(251)
Commission
682
75612
5956
1016
71486
Fire
Premium Deficiency
494
1162
5509
946
69148
Misc. 2009-10 2008-09
BAJAJ ALLIANZ
145
1693
TOTAL (A)
96
21
1045
Marine
ROYAL SUNDARAM
Solatium Fund
351
49
1293
Fire
Interest, Dividend & Rent Gross
Others
of Investments
PARTICULARS
2184
2184
2184
(703)
(703)
(703)
7403
30
263
2531
147
4724
6699
426
(13)
117
6169
Marine
1140
(1928)
1022
2447
375
13
48
2011
Fire
PRIVATE SECTOR NON-LIFE INSURERS : POLICYHOLDERS ACCOUNT
(2997)
(2997)
(2997)
59369
96
24
21345
4009
33892
56372
4729
(140)
989
50793
(1517)
(1517)
(1517)
67035
96
24
34
25016
2229
39637
65518
5531
(141)
1155
58973
(826)
(826)
(826)
64503
173
23
46
26885
1982
35567
63850
4709
236
157
58748
Misc. 2009-10 2008-09
TATA AIG
(` Lakh)
STATEMENT 54
162
(254)
(254)
(2)
(2)
1898
(2)
(14519)
(14519)
(14519)
(12623)
(12623)
(12623)
(9864)
(9864)
(9864)
1956 158002 162860 158569
254
113616 118569 107366

(2047) (3519) (3155)
46433 48063 54104
1781
(53)
482
1898
1898
2902
3172
(1419)
1149
593
4801
28
134
134051 139925 138886
RELIANCE
Misc. 2009-10 2008-09
1735
1897
1775
12
12
3
126
7686
8404
8041
1954 143483 150237 148705
1800
Marine
4074
Fire
APPROPRIATIONS
TOTAL (C )

Commission
Solatium Fund
Premium Deficiency
TOTAL (B)
Operating Profit/
(Loss) C= (A - B)

Profit/ Loss on sale/
redemption of Investments
Others
TOTAL (A)
PARTICULARS
(1211)
(1211)
(1211)
6266
4383
(1047)
2931
12
(235)
595
5055
4684
Fire
(1185)
(1185)
(1185)
6021
4085
(324)
2260
12
271
585
4836
3969
Marine
92222
73267
2519
24927
4543
4543
4543
2147
2147
2147
88425 100713
64799
3890
19736
185
208
(64)
(28)
9277 10457
92968 102860
83570
(1284)
(1284)
(1284)
93142
69502
(323)
23962
315
(4)
8254
91858
83293
IFFCO TOKIO
Misc. 2009-10 2008-09
(142)
(142)
(142)
10152
6581
(1118)
4688
561
(75)
531
10010
8993
Fire
(` Lakh)
207061 219282 197365
(985)
680
181014 190263 168454

4013
2106 (7558)
48357 55514 67858
543
543
543
835
835
835
1235
1235
1235
(8776)
(8776)
(8776)
3361 233384 246897 229433
(985)
2668
(790)
2468
364 14778 15703 11263

(32) (1582) (1690) (2182)
344 13962 14837 14211
3904 234219 248133 220657
3228
ICICI LOMBARD
Marine
Misc. 2009-10 2008-09
163
1053

Insurance Business
196
(208)
(208)
(208)
TOTAL (C )
196
196
APPROPRIATIONS
1792
TOTAL (B)
1563
925
(355)
(1557)
(1557)
(1557)
48457
128
17417
(1314)
32226
(1569)
(1569)
(1569)
51812
128
19395
(2145)
34434
50243
206
206
206
41173
16395
(2801)
27578
41378
2702
12
128
38536
1067
1067
1067
(650)
650
(1822)
522
416
79
(3)
332
(143)
(143)
(143)
475
184
(174)
465
332
29
(1)
301
(11729)
(11729)
(11729)
54297
17444
(1747)
38600
42568
2270
689
236
39373
(10805)
(10805)
(10805)
54121
18278
(3743)
39586
43316
2378
686
247
40006
(3476)
(3476)
(3476)
23206
10751
(2034)
14489
19730
1252
363
167
17947
HDFC ERGO
Misc. 2009-10 2008-09
(1060)
(1060)
(1060)
1443
50
1452
(607)
549
383
73
300
Fire
(458)
(458)
(458)
738
531
(94)
301
280
26
251
12290
(1025)
16066
18878
601
76
18197
(8448)
(8448)
(8448)
27326
(9967)
(9967)
(9967)
29508
24
21
14274
(1726)
16915
19542
700
88
18748
(9245)
(9245)
(9245)
15205
51
9878
(737)
6003
5960
262
15
5682
FUTURE GENERALI
Marine
Misc. 2009-10 2008-09
(26)
(476)
Commission
993
46900
3506
501
46229
Marine
Premium Deficiency
1215
1355
3051
433
43415
Fire
21
1988
TOTAL (A)
113
24
1216
CHOLAMANDALAM
Marine
Misc. 2009-10 2008-09
(` Lakh)
Solatium Fund
342
Others
45
1597
Fire

of Investments
PARTICULARS
105
1370
879
64
TOTAL (A)
Commission
164
(1452)
(1452)
(221)
(221)
TOTAL (C )
APPROPRIATIONS
(221)
Operating Profit/(Loss) C= (A - B) (1452)
1
240
170
(19)
88
19
(0)
13
(4989)
(4989)
(4989)
11731
6299
640
4782
6742
485
(30)
39
6248
(6663)
(6663)
(6663)
14794
8344
685
5749
8131
596
(39)
50
7524
(3019)
(3019)
(3019)
3087
2743
100
241
68
146
(87)
UNIVERSAL SOMPO
Marine
Misc. 2009-10 2008-09
2823
TOTAL (B)
Premium Deficiency
Solatium Fund
1875
(8)
Others

Insurance Business
11
1263
Fire

of Investments
PARTICULARS
75
25
(13)
63
79
75
Fire
12983
4078
(629)
9535
14907
1061
317
13528
(0)
(0)
1924
1924
1928
1928
1928
13060
4103
(642)
9599
14988
1066
317
13605
(977)
(977)
(977)
3069
1861
1200
2093
320
57
1715
SHRIRAM
Misc. 2009-10 2008-09
(0) 1923.99
Marine
(1671)
(1671)
(1671)
1959
1422
(368)
906
288
53
234
Fire
(` Lakh)
(284)
(284)
(284)
439
273
(12)
178
156
10
145
(12692)
(12692)
(12692)
21212
428
13909
(660)
7536
8521
516
18
7986
(14647)
(14647)
(14647)
23611
428
15604
(1040)
8619
8964
579
20
8364
(5540)
(5540)
(5540)
5622
5447
(114)
289
82
146
135
78
(278)
BHARTI AXA
Marine
Misc. 2009-10 2008-09
97
165
TOTAL (C )
APPROPRIATIONS
TOTAL (B)
Premium Deficiency
Solatium Fund
(171)
(171)
(171)
98
(1)
Commission
(73)
TOTAL (A)
(15)
(15)
(15)
10
(5)
(1380)
(1380)
(1380)
1132
1088
44
(247)
(252)
RAHEJA QBE
Misc.
Others
(5)
Marine
(74)
Fire
PARTICULARS
(1566)
(1566)
(1566)
1240
1195
45
(326)
(331)
2009-10
(40686)
(40686)
(40686)
1040074
(447)
34
312961
976
726249
999389
70734
2640
21561
904453
TOTAL
(34098)
(34098)
(34098)
902185
16496
98
301722
(9046)
607916
868260
60107
1783
15629
790741
2008-09
(` Lakh)
2009-10
166
(407)
566
715
1282
(304)
3097
1282
4379
39562
51645
(5898)
12083
280
17980
3
31
973
5
3401
31
249
32
1004
20
3405
5650
270
(35)
102
18261
28
1708
201
1888
411
3964
(268)
8578
533
(181)
(1288)
748
70
267
Note :Figures in brackets indicate the negative values
OTHER EXPENSES
(a) Expenses other than those related
(c) Others - preliminary &
pre-operative, amortisations
TOTAL (B)
Profit Before Tax
Prior Period Adjustments Account
Profit After Tax
APPROPRIATIONS
(a) Interim dividends paid during the year
(d) Transfer to any Reserves or
Deferred Tax of last year or
Reserve for Unexpired Risks
(e) Catastrophe Reserve
Balance of profit/ loss B/f from last year
(` Lakh)
STATEMENT 55
30047
39562
(5461)
9516
446
14977
277
169
4923
812
(406)
453
15423
2980
(1079)
7739
2409
3079
2
1178
(700)
191
670
2223
611
(177)
40
1180
2184
(703)
(2997)
3497
2409
1512
(526)
424
593
950
86
(5)
512
2179
93
13
85
1542
2280
(1878)
(1228)
(16547)
(21589)
4012
(5043)
(1415)
(9055)
(39)
(1376)
3955
1058
(165)
135
(7640)
1898
(2)
(14519)
(11315)
(16547)
(215)
(5232)
(39)
(5017)
(39)
3960
910
(36)
51
(4978)
1810
(1135)
(10539)
5629
7300
741
126
(1323)
2538
49
3861
49
437
3910
1300
26
(1211)
(1185)
4543
5379
5629
(442)
250
38
692
38
42
730
1899
73
514
(884)
(914)
11686
17450
1079
6452
1097
(1438)
14393
802
1179
15831
70
307
8117
8589
(956)
24
17009
(142)
543
835
9324
11686
2335
2362
104
4518
27
62
4352
8141
6452
(1272)
1
4546
(2301)
(5740)
(735)
539
775
51
236
100
185
50
50
1090
229
(0)
535
285
196
(208)
(1557)
401
539
561
(486)
699
60
1185
60
18
1245
975
46
663
178
(635)
ROYAL
BAJAJ
TATA
RELIANCE
IFFCO
ICICI
CHOLAMANDALAM
SUNDARAM
ALLIANZ
AIG
TOKIO
LOMBARD
2009-10 2008-09 2009-10 2008-09 2009-10 2008-09 2009-10 2008-09 2009-10 2008-09 2009-10 2008-09 2009-10 2008-09

(c) Others
(a) Fire Insurance
(c ) Miscellaneous Insurance
Other Income
TOTAL (A)
PARTICULARS
PRIVATE SECTOR NON-LIFE INSURERS : SHAREHOLDERS ACCOUNT
167
(53)
(2575)
(4710)
(7284)
16
(9430)
(7284)
(16715)
(10466)
(19436)
(1933)
(10466)
(37)
(8533)
(2521)
(8970)
37
146
(8496)
42
54
(8970)
(11)
(8350)
4
(9446)
(25)
(8917)
858
48
109
(1)
(2521)
(54)
(9442)
958
117
(683)
(287)
(8275)
12
843
113
1284
133
(1060)
(458)
(8448)
691
(185)
(3982)
1067
(143)
(11729)
(1469)
(6676)
146
(5207)
8
8
(5353)
(100)
(5345)
1288
130
(1452)
(221)
(4989)
(30)
(1469)
(20)
(1439)
8
8
(1419)
(42)
(1411)
1651
(1198)
(69)
(1752)
(390)
1197
(887)
1587
11
2474
(390)
139
(390)
73
78
(529)
13
1
(452)
26
14
2485
11
511
(47)
(5)
(925)
516
4
(0)
1925
HDFC ERGO
FUTURE GENERALI UNIVERSAL SOMPO
SHRIRAM
2009-10 2008-09 2009-10 2008-09 2009-10 2008-09 2009-10 2008-09
OTHER EXPENSES
(c) Others - preliminary &
pre-operative, amortisations
TOTAL (B)
Profit Before Tax
Prior Period Adjustments Account
Profit After Tax
APPROPRIATIONS
(d) Transfer to any Reserves or Deferred Tax
of last year or Reserve for Unexpired Risks
(e) Catastrophe Reserve
Balance of profit/ loss B/f from last year

(c) Others
(a) Fire Insurance
(c ) Miscellaneous Insurance
Other Income
TOTAL (A)
PARTICULARS
(` Lakh)
(7127)
(21358)
(4)
(14230)
(14226)
91
(14226)
204
125
(1671)
(284)
(12692)
(1352)
(7127)
(44)
(5775)
35
597
(5732)
562
152
(5135)
165
88
(497)
(139)
(4904)
(920)
(1499)
(579)
21
(579)
21
992
10
(3)
9
(558)
(171)
(15)
(1380)
30024
17825
2073
6452
1838
126
1079
16905
(1447)
(5216)
(10126)
259
6476
(4910)
86
1037
4412
681
27812
8836
(1688)
782
1644
4746
(11404)
(27440)
852
298
(2720)
(700)
(5436)
(8856)
432
50
339
(1376)
29464
11710
(1310)
1228
407
4354
(2874)
(42164)
BHARTI AXA RAHEJA QBE

TOTAL
2009-10 2008-09 2009-10 2009-10 2008-09
PRIVATE SECTOR NON-LIFE INSURERS : SHAREHOLDERS ACCOUNT
168
31174
58106
41094
99200
CURRENT LIABILITIES
Provisions
Sub-Total (B)
67247
35698
33473
(99291)
181774
71523
110251
82482
74240
99818
79282
(41473)
75287
32146
43142
33815
29149
TOTAL
21996
(53820)
92333
30270
62063
38514
32096
8243
21589
25316
249456
104503
144953
82953
(58552) (192987) (166503)
293959
113313
180647
100972
54463
4666
Misc. Expenditure
NET CURRENT ASSETS (C) = (A - B) (68026)
78458
37646
40812
19907
71323
6417
4097
Sub-Total (A)
16083
28490
748
27123
29649
988
3824
1521
4050
CURRENT ASSETS
3788
2755
1043
2933
165666
99818
(888)
11522
89184
1041
12854
71443
33473
(448)
30000
3921
Deferred Tax Asset
15336
85597
35698
1107
30000
4591
4751
1751
219375
67247
11023
56224
72748
16547
(89725)
157098
69000
88098
67373
55949
11424
85
6437
3006
136397
72748
(6958)
11308
68398
RELIANCE
2010
2009
1662
253146
79279
(51)
11023
68307
TATA AIG
2010
2009
Fixed Assets
77754
21996
(286)
21000
1282
BAJAJ ALLIANZ
2010
2009
3006
90639
25316
(63)
21000
4379
ROYAL SUNDARAM
2010
2009
Loans
Investments
TOTAL
Others
Borrowings
Share Application Money
SOURCES OF FUNDS
Share Capital
Reserves & Surplus
PARTICULARS
(AS ON 31st MARCH)
47432
(36324)
138371
52864
85507
102046
54083
47963
758
1516
81482
47432
24700
22732
489382
126594
362789
297449
268823
28626
4529
14334
352315
179244
19
11913
40363
126949
395586
115741
279845
223703
216398
7305
5967
15677
303074
152834
(7432)
40314
119951
ICICI LOMBARD
2010
2009
45761
179244
152834
(26457) (191933) (171883)
113765
44789
68976
87308
48764
38544
587
1326
70305
45761
24700
21061
IFFCO TOKIO
2010
2009
PRIVATE SECTOR NON-LIFE INSURERS : BALANCE SHEET
28045
(30607)
47086
27196
19890
16479
14916
1562
34
1403
57215
28045
112
(99)
26696
1336
14924
(24363)
38740
21523
17218
14377
13650
727
2811
36476
14924
73
171
(617)
14196
1100
CHOLAMANDALAM
2010
2009
(` Lakh)
STATEMENT 56
2187
13514
2421
25714
23574
(6)
8580
15000
2157
18264
23580
8580
15000
2135
25867
11697
1197
10500
1344
12977
10500
10500
3178
26312
33408
17
7500
5891
20000
2825
11600
19011
11
2742
16258
655291
19
182
11940
9000
333146
301004
354
18186 1270500
20703
20700
169
24917
35929
28965
64894
Sub-Total (A)
CURRENT LIABILITIES
Provisions
Sub-Total (B)
41574
TOTAL
16715
Misc. Expenditure
(39977)
18209
NET CURRENT ASSETS (C) = (A - B)
6709
CURRENT ASSETS
Deferred Tax Asset
20121
7284
(16151)
29341
10114
19226
13190
8049
5141
29503
19436
(18921)
32961
13430
19531
14040
13087
953
19807
10466
(6360)
15723
7862
7861
9363
7215
2148
23574
6676
(11391)
16632
9204
7428
5240
3431
1809
155
23580
1469
1682
3546
1904
1641
5227
1859
3368
11697
(16834)
22052
13328
8724
5218
2796
2423
529
10500
390
(4563)
8618
4646
3972
4055
2824
1231
353
33408
21358
(17440)
24566
12001
12565
7126
4283
2844
19011
7127
(2541)
4701
1616
3085
2160
1594
566
539839
963663
726615
585351
141264
451491
718829
563430
455997
107433
10312
20703
1499
655294
87273
502001
43283
665 (776888) (606890)
292 1503502 1170320
59
233
957
940
17
15919
53820
3006
998470
502001
73
291
(15706)
759
283260
233324
TOTAL
2010
2009
55483
2994
25994
19807
23
759
19025
BHARTI AXA RAHEJA QBE

2010
2009
2010
Fixed Assets
1697
27291
29503
1500
28000
SHRIRAM
2010
2009
3006
2468
62368
20121
120
20000
FUTURE GENERALI UNIVERSAL SOMPO

2010
2009
2010
2009
(` Lakh)
Loans
Investments
TOTAL

41574
70
Borrowings
Others
41500
HDFC ERGO
2010
2009
Reserves & Surplus
SOURCES OF FUNDS
Share Capital
PARTICULARS
(AS ON 31st MARCH)
PRIVATE SECTOR NON-LIFE INSURERS : BALANCE SHEET

STATEMENT 57
HEALTH INSURERS : POLICYHOLDERS ACCOUNT
(` Lakh)
PARTICULARS
STAR HEALTH
2009-10
2008-09
61043
30145
APOLLO MUNICH
MAX BUPA
2009-10
2008-09
2009-10
6996
2164

of Investments
142
Others
717
442
300
96
TOTAL (A)
61760
30730
7296
2260
53173
25847
5974
2473
Commission
(1267)
(1228)
1056
359
9311
6270
9830
7238
3856
61217
30889
16860
10070
3857
543
(159)
(9564)
(7810)
(3856)
543
(159)
(9564)
(7810)
(3856)
543
(159)
(9564)
(7810)
(3856)

Insurance Business
Others- Amortisations, Write offs & Provisions
Foreign Taxes
TOTAL (B)
Operating Profit/(Loss) from
Fire/Marine/Miscellaneous
Business C= (A - B)
APPROPRIATIONS
TOTAL (C )
Note : Figures in brackets indicate the negative values
170

STATEMENT 58
HEALTH INSURERS : SHAREHOLDERS ACCOUNT

(` Lakh)
PARTICULARS
STAR HEALTH
2009-10
2008-09
(a) Fire Insurance

543
543
(159)
(159)
(9564)
(9564)
(7810)
(7810)
(3855)
(3855)
498
540
174
539
13
104
469
94
80
57
125
13
(8907)
(7166)
(3660)
63
16
OTHER INCOME
TOTAL (A)
APOLLO MUNICH
MAX BUPA
2009-10
2008-09
2009-10
1041

(c) Others
555
OTHER EXPENSES
(a) Expenses other than those
related to Insurance Business
(c) Others
19
26
TOTAL (B)
19
28
63
16
1022
496
526
527
404
124
(8970)
0
(8970)
(7182)
36
(7218)
(3660)
0
(3660)
Profit Before Tax

Profit after Tax
APPROPRIATIONS
526
124
(258)
(258)
(10077)
(2859)
(636)
(258)
(258)
(19047)
(10077)
(4296)
Note : Figures in brackets indicate negative values
171

STATEMENT 59
HEALTH INSURERS : BALANCE SHEET

(AS ON 31ST MARCH)
(` Lakh)
SOURCES OF FUNDS
STAR HEALTH
2010
2009
APOLLO MUNICH
2010
2009
Share Capital
16433
12930
10737
13867
374
3491
14696
5472
(18)
Reserves & Surplus
650
10930
124

MAX BUPA
2010
15100
329
232
TOTAL
31279
11285
28001
19682
15107
Investments
17452
8106
13431
8111
9260
Borrowings
Loans
Fixed Assets
Deferred Tax Assets
CURRENT ASSETS
Cash & Bank Balance
Sub-Total (A)
CURRENT LIABILITIES
Provisions
Sub-Total (B)
Misc. Expenditure
TOTAL
500
3901
2122
2068
1966
1261
17035
20733
37768
12697
15805
28502
2755
11473
14228
4470
9458
13928
1099
2545
3643
5044
5144
10188
2474
1989
4463
2348
2587
4935
1150
1137
2288
1934
63
1997
9266
300
(6544)
(472)
291
403
258
258
19047
10077
4296
31279
11285
28001
19682
15107
172

STATEMENT 60
EXPORT CREDIT GUARANTEE CORPORATION OF INDIA LTD. (ECGC) :

POLICYHOLDERS ACCOUNT
(` Lakh)
PARTICULARS
2009-10
2008-09
57599
52527
175
79
59
11753
15684
TOTAL (A)
69607
68270
67518
35523
Commission
(3157)
(2476)
10360
9437

Others
Other - Premium Deficiency
4820
Others - Amortisations, Write offs & Provisions

Foreign Taxes
TOTAL (B)
79540
42484
(9934)
25786
(9934)
25786
(9934)
25786
Operating Profit/(Loss) from Fire/Marine/

Miscellaneous Business C= (A - B)
APPROPRIATIONS
TOTAL (C )
173

STATEMENT 61
SHAREHOLDERS ACCOUNT
(` Lakh)
PARTICULARS
2009-10
2008-09
(9934)
(9934)
25786
25786
15895
233
18166
0
OTHER INCOME
1233
381
TOTAL (A)
7426
44333
712
301
167
203
879
6548
2756
(1581)
5373
504
43829
15213
277
28339
1075
183
11583
8100
1377
4116
2
7279
1
(a) Fire Insurance

(c) Others
OTHER EXPENSES
(c) Others
TOTAL (B)
Profit Before Tax
Prior Period Adjustments
Profit after Tax
APPROPRIATIONS
(d) Transfer to any Reserves or other Accounts
174

STATEMENT 62

BALANCE SHEET
(AS ON 31ST MARCH)
(` Lakh)
SOURCES OF FUND
Share Capital
Reserves & Surplus
2010
2009
90000
90000
102738
98622
3156
Borrowings
27
3133
TOTAL
195921
191755
Investments
262046
106198
Fixed Assets
13507
13629
CURRENT ASSETS
Cash & Bank Balance
Advances and other Assets
79228
44389
200179
29997
Sub-Total (A)
123617
230176
CURRENT LIABILITIES
Provisions
167054
38257
121584
39907
Sub-Total (B)
205311
161491
(81694)
68685
2063
219
Loans
Deferred Tax Assets

Misc. Expenditure (to the extent
not written off or adjusted)
3024
TOTAL
195921
175
191755

STATEMENT 63
AGRICULTURE INSURANCE COMPANY OF INDIA LTD. (AIC) :

POLICYHOLDERS ACCOUNT
(` Lakh)
PARTICULARS
2009-10
2008-09
102382
74261
107
Others
11073
10555
TOTAL (A)
113562
84816
112390
52962
(4571)
(894)
2350
1588
207
269
110375
53926
3187
30891
3187
30891
3187
30891
Commission
Others - Amortisations, Write offs & Provisions
Foreign Taxes
TOTAL (B)
Operating Profit/(Loss) from Fire/Marine/
Miscellaneous Business C= (A - B)
APPROPRIATIONS
TOTAL (C )
176

STATEMENT 64

SHAREHOLDERS ACCOUNT
(` Lakh)
PARTICULARS
2009-10
2008-09
3187
3187
30891
30891
6786
66
4935
18
33
10056
35859

(c) Others
157
138
OTHER EXPENSES
(c) Others
127
126
284
9773
3322
6451
264
35594
12333
23261
(a) Fire Insurance
OTHER INCOME
TOTAL (A)
TOTAL (B)
Profit Before Tax
Profit after Tax
APPROPRIATIONS
2000
340
20921

177

STATEMENT 65

BALANCE SHEET
(AS ON 31st MARCH)
(` Lakh)
2010
2009
Share Capital
20000
20000
Reserves & Surplus
39688
53237
593
18
60282
73255
144184
92334
129
139
2509
462
392
392
93322
14065
104786
18268
Sub-Total (A)
107387
123055
CURRENT LIABILITIES
Provisions
129524
64796
100339
42788
Sub-Total (B)
194319
143127
(86932)
(20072)
60282
73255
SOURCES OF FUNDS

Borrowings
TOTAL
Investments
Loans
Fixed Assets
Deferred Tax Assets
CURRENT ASSETS
Cash & Bank Balance
Misc. Expenditure (to the extent not written off or adjusted)

TOTAL
178
179
32771
32771
32771
237856
2519
71698
47881
(37)
28921
4132
26312
26312
26312
(8246)
(8246)
(8246)
63748 583301
485
16769 104345
46495 474823
90060 575055
10848
702
6553
Total
80778
(82)
48792
7146
485
485
485
51322
51322
51322
905 885809
10
212 193025
683 685639
1390 937131
76
(20)
46
1288 807643
2009-10
Misc.
Life
71957 498290
Marine
TOTAL (C)
APPROPRIATIONS
C = (A - B)
TOTAL (B)

Insurance Business
Commission
163638
21973

270626
(728)
Others
TOTAL (A)
13272
236109
Fire

of Investments
PARTICULARS
(3872)
(3872)
(3872)
222776
1832
54091
166853
218904
19222
990
7442
191250
Fire
(7078)
(7078)
(7078)
86118
510
16737
68871
79041
9173
(266)
3551
66583
Marine
102368
102368
102368
493512
3961
103955
385596
595880
53626
160
20763
521330
2008-09
Misc.
GENERAL INSURANCE CORPORATION : POLICYHOLDERS ACCOUNT
932
932
932
537
135
393
1469
76
(89)
29
1454
Life
92351
92351
92351
802943
6312
174918
621714
895294
82096
794
31786
780617
Total
(` Lakh)
STATEMENT 66

STATEMENT 67
GENERAL INSURANCE CORPORATION : SHAREHOLDERS ACCOUNT

(` Lakh)
PARTICULARS
2009-10
2008-09
32771
26312
(8246)
485
51322
(3872)
(7078)
102368
932
92351

51201
30927
46865
18145
OTHER INCOME
22007
27703
155457
185065
1303
(1438)
2544
977
(131)
2969
145
112
23835
0
0
47
0
0
(22)
0
TOTAL (B)
Profit before Tax
26437
129020
(48440)
3906
181159
40439
Profit after Tax

APPROPRIATIONS
(d) Transfer to any Reserves or other Accounts
(e) Transfer to General Reserve
(f) Balance of Profit / Loss B/f from last year
(g) Balance c/f to Balance Sheet
177461
140720
35260
5856
27950
4750
136339
1
6
108020
1
1
(a) Fire Insurance
(d) Life Insurance
TOTAL (A)
(c) Others
OTHER EXPENSES
Insurance business
(b) Loss on Exchange
(c) Bad debts written off
(d) Others
(e) Interest on Service Tax
180

STATEMENT 68
GENERAL INSURANCE CORPORATION : BALANCE SHEET

(AS ON 31ST MARCH)
(` Lakh)
2010
2009
43000
859657
43000
735334
1702846
607474
191
2605503
1385999
3357393
2099471
69515
71932
Fixed Assets
4465
4361
Deferred Tax Asset
7535
Cash & Bank Balance
277311
313270
667994
512929
Sub-Total (A)
945305
826199
1229704
1144044
549005
471921
Sub-Total (B)
1778710
1615964
(833404)
(789765)
2605503
1385999
SOURCES OF FUNDS
Share Capital
Reserves & Surplus
Borrowings
TOTAL
Investments
Loans
CURRENT ASSETS
CURRENT LIABILITIES
Provisions
Misc. Expenditure
TOTAL
181
Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
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
Uttarakhand
West Bengal
Andaman & Nicobar
Chandigarh
Dadra & Nagar Haveli
Daman & Diu
Delhi
Lakshadweep
Puducherry
Total
States/
Union Territories
182
4
1220
63
11
91
1
34
39
13
8
55
42
17
14
23
59
51
52
124
1
2
1
1
37
88
73
1
94
4
105
9
103
National
77
1
23
20
11
5
64
29
8
11
22
66
58
39
151
1
3
1
2
35
52
34
1
95
1
99
16
50
1
12
1
0
45
1
4
1039
New
India
145
1
49
31
14
8
79
46
13
13
18
99
97
53
140
1
5
1
1
30
83
90
1
186
4
81
34
48
1
9
0
0
51
0
5
1437
United
1
2
1
4
3
1
3
17
3
1
1000
1
80
47
2
2
1
1
12
1
7
7
3
8
7
0
2
46
1
1
4
1
1
1
10
1
26
36
14
4
67
33
15
14
16
73
56
43
103
1
3
1
2
30
61
57
1
71
3
95
13
38
TATA
AIG
Royal
Sundaram
68
Oriental
1
212
15
11
20
15
3
8
9
2
1
2
1
21
7
1
1
4
15
13
13
33
16
Reliance
60
1
1
1
4
1
3
16
1
1
7
3
IFFCO
Tokio
1
350
17
19
17
1
22
1
36
7
20
3
4
7
2
26
16
2
2
4
23
16
19
43
31
ICICI
Lombard
1
232
13
10
1
14
1
25
6
13
7
3
5
4
4
27
5
2
2
4
16
9
6
32
22
Bajaj
Allianz
78
5
1
2
1
106
6
1
3
27
2
4
2
2
6
7
3
18
1
2
4
8
3
11
2
4
5
1
1
1
1
9
3
2
215
11
13
57
4
3
6
2
4
1
1
1
20
15
10
23
1
1
2
29
Star
Health
STATEMENT 69
Cholamandalam
1
1
1
1
5
2
HDFC
Ergo
STATE-WISE NUMBER OF OFFICES OF NON-LIFE INSURERS (AS ON 31st MARCH, 2010)
Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
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
Uttarakhand
West Bengal
Andaman & Nicobar
Chandigarh
Dadra & Nagar Haveli
Daman & Diu
NCT of Delhi
Lakshadweep
Puducherry
Total
Name of State/
Union Territory
1
1
1
183
3
2
1
1
30
11
91
39
2
2
2
2
1
2
2
1
2
8
2
2
2
4
6
1
1
Universal
Sompo
1
2
Apollo
Munich
1
2
1
1
6
5
1
1
2
4
6
4
15
Future
Generali
50
3
1
2
55
8
1
1
3
7
1
1
2
5
1
5
1
2
8
1
3
3
3
5
Shriram
1
1
3
1
Bharti
Axa
0
0
1
0
0
0
1
Raheja
QBE
18
1
1
1
1
1
1
1
1
1
1
1
1
1
1
AIC
STATE-WISE NUMBER OF OFFICES OF NON-LIFE INSURERS (AS ON 31st MARCH, 2010)
57
10
1
2
2
4
1
1
11
4
2
ECGC
526
3
149
143
76
39
396
207
60
61
103
413
352
260
769
4
15
4
6
178
353
325
5
656
13
504
88
326
3
54
1
2
301
1
21
6417
Total
Contd.. STATEMENT 69

STATEMENT 70
THIRD PARTY ADMINISTRATORS
NUMBER OF CLAIMS RECEIVED AND DURATION WISE SETTLEMENT OF CLAIMS DURING 2009-10
SL.
No.
Name of TPA
No of
Claims
Received
Park Mediclaim TPA Pvt. Ltd.
9257
8164
(88.19)
201
(2.17)
53
(0.64)
6
(0.07)
Vipul Med Corp TPA Pvt. Ltd.
248790
191293
(76.89)
11484
(4.62)
906
(0.36)
152
(0.08)
Alankit Health Care TPA Ltd.
85987
28099
(32.68)
35661
(41.47)
11241
(13.07)
3143
(3.66)
I Care Health Management

& TPA Services Pvt. Ltd.
5479
3099
(56.56)
744
(13.58)
14
(0.26)
0
(0.00)
Dedicated Healthcare
Services TPA (India) Pvt Ltd.
157109
93376
(59.43)
59626
(37.95)
6880
(4.38)
1679
(1.07)
Medicare TPA Services (I) Pvt. Ltd.
74307
49085
(66.06)
8137
(10.95)
208
(0.28)
111
(0.15)
MD India Healthcare (TPA)

Services (Pvt.) Ltd.
405852
373118
(91.93)
19692
(4.85)
1538
(0.38)
0
(0.00)
Heritage Health TPA Pvt. Ltd.
75440
30427
(40.33)
36248
(48.05)
9355
(12.40)
1769
(2.34)
Genins India TPA Ltd.
78476
52605
(67.03)
23332
(29.73)
7162
(9.12)
2190
(2.79)
10
Rothshield Healthcare TPA Services Ltd.
529
363
(68.62)
117
(22.12)
24
(4.54)
5
(0.95)
11
E Meditek TPA Services Ltd.
319807
255866
(80.00)
31984
(10.00)
7803
(2.43)
0
(0.00)
12
Parekh Health Management (Pvt.) Ltd.
81989
47357
(57.76)
22366
(27.28)
1184
(1.44)
183
(0.22)
13
Safeway TPA Services Pvt. Ltd.
13856
9679
(69.85)
2667
(19.25)
935
(6.75)
0
(0.00)
Within 1
months
Claims Settled
Within 1 - 3 Within 3- 6
months
months
More than
6 months
Note: Figures in brackets indicate the ratio (in percent) of claims settled to the total claims received
Licence of Universal Mediaid Services Ltd has been cancelled.The TPA has obtained a stay on the operation of the
IRDA order. IRDA is contesting the case.
Nil: No Claim received or settled.
184

THIRD PARTY ADMINISTRATORS
NUMBER OF CLAIMS RECEIVED AND DURATION WISE SETTLEMENT OF CLAIMS DURING 2009-10
SL.
No.
Name of TPA
14
Med Save Health Care TPA Ltd.
15
Good Healthplan Ltd.
16
Within 1
month
Claims Settled
Within 1 - 3 Within 3- 6
months
months
118426
70909
(59.88)
36857
(31.12)
6422
(5.42)
1613
(1.36)
36709
10912
(29.72)
16518
(45.00)
5787
(15.77)
1302
(3.55)
Health India TPA Services Pvt. Ltd.
234058
118807
(50.76)
72889
(31.14)
24667
(10.54)
5231
(2.23)
17
Medi Assist India TPA Pvt. Ltd.
376000
308818
(82.13)
18019
(4.80)
865
(0.23)
276
(0.07)
18
Anmol Medicare TPA Ltd.
13036
8926
(68.47)
3390
(26.00)
415
(3.18)
0
(0.00)
19
Raksha TPA Pvt. Ltd.
394606
325415
(82.47)
35412
(8.97)
0
(0.00)
0
(0.00)
20
Family Health Plan (TPA) Ltd.
130104
52525
(40.37)
36166
(27.80)
11055
(8.50)
3807
(2.93)
21
TTK Healthcare TPA Pvt. Ltd.
305017
162303
(53.21)
94294
(30.91)
21343
(7.00)
6857
(2.25)
22
Paramount Health Services (TPA) Pvt. Ltd
148527
117013
(78.78)
12546
(8.45)
1248
(0.84)
749
(0.50)
23
East West Assist TPA Pvt. Ltd.
51110
29879
(58.46)
18454
(36.11)
1742
(3.41)
265
(0.52)
24
Focus Healthcare Pvt. Ltd.
1469
109
(7.42)
604
(41.12)
638
(43.43)
24
(1.63)
25
Anyuta Medinet Healthcare TPA Pvt. Ltd.
76
76
Nil
Nil
Nil
26
Sri Gokulam Health Services TPA (P) Ltd.
Nil
Nil
Nil
Nil
Nil
27
Grand Healthcare TPA Services Pvt Ltd
Nil
Nil
Nil
Nil
Nil
3365940
2348147
(69.76)
597408
(17.75)
121485
(3.61)
29362
(0.87)
TOTAL
No of
Claims
Received
More than
6 months
Note: Figures in brackets indicate the ratio (in percent) of claims settled to the total claims received
Licence of Universal Mediaid Services Ltd has been cancelled.The TPA has obtained the stay on the operation of the
IRDA order. IRDA is contesting the case.
Nil: No Claim received or settled.
185
186
Aegon Religare
Aviva
Bajaj Allianz
Bharti AXA
Birla Sun Life
Canara HSBC
DLF Pramerica
Future Generali
HDFC Standard
ICICI Prudential
IDBI Federal
ING Vysya
Kotak Mahindra
LIC
Max New York
MetLife
Reliance
Sahara
SBI Life
Shriram
Star Union Dai-ichi
TATA AIG
10
11
12
13
14
15
16
17
18
19
20
21
22
Total
Insurer
SL.
No
458
16
19
23
40
186
10
21
14
56
38
13
Opening
Balance
2449
79
16
80
184
75
187
606
151
29
330
154
24
153
38
173
152
Reported
during
the year
2512
83
16
94
192
79
227
642
132
40
296
171
24
141
21
195
142
2009-10
Resolved
during
the year
86.00
87
100
100
95
67
93
94
100
81
82
80
67
86
81
92
100
87
55
92
86
100
% Resolved
during
the year
395
12
15
150
29
10
48
39
21
17
16
23
Pending at
the end
of the year
STATEMENT 71
241
12
69
20
23
26
17
11
16
23
<=30 days
76
28
15
12
30<=180 days
78
53
10
>180 days
Duration wise analysis of pending complaints
STATUS OF GRIEVANCES - LIFE INSURERS FOR 2009-10

STATEMENT 72
STATUS OF GRIEVANCES-LIFE INSURERS

(APRIL - JUNE 2010)
SL.
No
Insurer
Aegon Religare
Pending
as on 31
March, 2010
Reported during
April-June 2010
Resolved during
April-June 2010
Pending
as on 30th
June, 2010
Aviva
23
68
82
Bajaj Allianz
16
76
26
66
Bharti AXA
17
12
28
Birla Sun Life
21
41
19
43
Canara HSBC
DLF Pramerica
Future Generali
11
13
HDFC Standard
39
47
15
71
10
ICICI Prudential
48
123
41
130
11
IDBI Federal
12
ING Vysya
10
15
25
13
Kotak Mahindra
29
65
28
66
14
LIC
150
246
141
255
15
Max New York
53
50
16
MetLife
23
28
17
Reliance
15
46
58
18
Sahara
19
SBI Life
32
31
20
Shriram
21
Star Union Dai-ichi
22
TATA AIG
12
27
38
395
908
293
1010
Total
187
188
(i)
(ii)
(iii)
(iv)
136
220
44
42
1
0
443
0
38
0
5
3
1
25
16
74
20
0
2
26
0
210
653
(III)
Pending as
on 31st
March, 2009
Policy related issues

Non settlement/Delay in settlement of claim
Repudiation/Partial settlement of claim
Other reasons
National
New India
Oriental
United India
ECGC
AIC
PUBLIC TOTAL
Apollo Munich
Bajaj Allianz
Bharti AXA
Cholamandalam
Future Generali
HDFC Ergo
ICICI Lombard
IFFCO Tokio
Reliance
Royal Sundaram
Shriram
Star Health
TATA AIG
Universal Sompo
PRIVATE TOTAL
GRAND TOTAL
1
2
3
4
5
6
1
2
3
4
5
6
7
8
9
10
11
12
13
14
(II)
Insurer
(I)
SL.
No
269
338
170
277
3
4
1061
8
105
1
34
9
15
315
75
286
55
2
23
84
3
1015
2076
(IV))
Reported
during
2009-10
405
558
214
319
4
4
1504
8
143
1
39
12
16
340
91
360
75
2
25
110
3
1225
2729
(V)=(III) + (IV)
Total No. of
Complaints
260
381
133
298
2
3
1077
7
119
1
32
12
15
324
69
325
56
2
25
108
1
1096
2173
(VI)
Resolved
during
2009-10
145
177
81
21
2
1
427
1
24
0
7
0
1
16
22
35
19
0
0
2
2
129
556
(VII)
Pending
as on 31st
March, 2010
STATUS OF GRIEVANCES - NON LIFE INSURERS FOR 2009-10
34
64
25
2
1
0
126
1
12
0
3
0
1
9
7
12
11
0
0
2
1
59
185
(i)
75
70
41
11
1
0
198
0
7
0
1
0
0
5
8
20
3
0
0
0
1
45
243
28
34
13
6
0
0
81
0
5
0
3
0
0
1
6
2
5
0
0
0
0
22
103
8
9
2
2
0
1
22
0
0
0
0
0
0
1
1
1
0
0
0
0
0
3
25
BREAK UP OF (VII)
(ii)
(iii)
(iv)
STATEMENT 73
189
(i)
(ii)
(iii)
(iv)
81
177
21
145
2
1
427
24
2
19
22
35
7
16
1
0
1
0
2
0
0
0
129
556
(III)
Pending as
on 31st
March, 2010
Policy related issues

Non settlement/Delay in settlement of claim
Repudiation/Partial settlement of claim
Other reasons
Oriental
New India
United India
National
ECGC
AIC
Public - Total
Bajaj Allianz
TATA AIG
Royal Sundaram
IFFCO Tokio
Reliance
Cholamandalam
ICICI Lombard
HDFC Ergo
Star Health
Apollo Munich
Future Generali
Universal Sompo
Shriram
Bharti AXA
Raheja QBE
Private - Total
TOTAL
1
2
3
4
5
6
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
(II)
Insurer
(I)
SL.
No
82
110
76
104
1
0
373
24
17
9
28
122
14
72
9
5
2
1
6
1
1
0
311
684
(IV))
Reported
during
(AprilJune, 2010)
163
287
97
249
3
1
800
48
19
28
50
157
21
88
10
5
3
1
8
1
1
0
440
1240
(V)=(III) + (IV)
Total No. of
Complaints
18
55
16
37
1
0
127
13
7
10
14
61
9
38
5
2
0
0
1
1
0
0
161
288
(VI)
Resolved
during
(AprilJune, 2010)
145
232
81
212
2
1
673
35
12
18
36
96
12
50
5
3
3
1
7
0
1
0
279
952
(VII)
Pending
as on
30th June,
2010
47
69
7
42
1
0
166
9
4
5
14
53
3
21
0
1
3
0
2
0
0
0
115
281
(i)
STATUS OF GRIEVANCES - NON-LIFE INSURERS (APRIL - JUNE 2010)
81
131
53
131
1
1
398
14
3
7
13
27
7
16
3
2
0
1
4
0
0
0
97
495
17
32
21
39
0
0
109
12
5
6
9
16
2
13
2
0
0
0
1
0
1
0
67
176
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
BREAK UP OF (VII)
(ii)
(iii)
(iv)
STATEMENT 74
99
Bhubaneshwar
190
17
20
35
55
22
Guwahati
Hyderabad
Kochi
Kolkata
Lucknow
Mumbai
9524
1138
1004
1166
405
835
325
1570
957
1051
319
445
309
Total
12
20
16
(II)
26
45
28
17
21
1209 481
86
110
99
37
23
135
136
42
267 289
190
64
20
(I)
572
101
82
80
32
18
36
118
28
32
43
(III)
856
93
56
291
223
(IV)
8636
1110
1004
971
369
822
317
1326
955
767
286
407
302
Total
7886
1069
958
790
353
822
304
1154
944
694
115
382
301
717
41
46
155
16
13
172
11
72
165
25
33
26
955
767
286
407
302
Total
8636
1110
1004
971
369
822
317
1326
Duration-wise disposal
(A) Within 3 months

(B) 3 months to 1 Year
(C) Above 1 Year
6374
1024
767
745
224
762
178
1155
No.of complaints
disposed by way of
(III) Dismissal
8967
1116
1004
1111
370
815
308
1471
941
931
220
379
301
Received
during
2009-10
Total No. of
Complaints
Notes:
O/S : Outstanding
557
99
Delhi
Total
16
Chennai
120
66
Bhopal
Chandigarh
O/s as on
31st March
2009
Ahmedabad
Name of
the Centre
STATEMENT 75
602
17
103
36
13
130
217
32
38
286
11
92
114
67
888
28
195
36
13
244
284
33
38
Total
Duration-wise Outstanding
PERFORMANCE OF OMBUDSMEN AT DIFFERENT CENTRES (LIFE INSURANCE)
63
Bhubaneshwar
191
138
38
15
43
130
167
838
Delhi
Guwahati
Hyderabad
Kochi
Kolkata
Lucknow
Mumbai
Total
7935
1390
225
813
512
438
279
1188
736
1163
172
158
861
Total
28
36
(II)
122
42
22
45
30
1947 470
400
47
86
72
109
209
122
76
436 136
79
34
277
(I)
700
39
113
27
47
57
186
49
30
149
(III)
712
56
431
244
220
47
718
556
56
15
27
355
(IV)
6554
1112
225
598
451
401
259
893
719
814
146
119
817
Total
5560
770
225
436
426
401
242
705
632
744
56
109
814
936
342
105
25
17
188
87
70
89
10
58
57
225
598
451
401
259
893
719
814
146
119
817
Total
6554
1112
(A) Within 3 months

(C) Above 1 Year
3437
No.of complaints
disposed by way of
(III) Dismissal
7097
1223
225
683
469
423
241
1050
719
987
109
136
832
Received
during
2009-10
Total No. of
Complaints
Notes:
O/S : Outstanding
17
Chennai
176
22
Bhopal
Chandigarh
29
O/s as on
31st March
2009
Ahmedabad
Name of
the Centre
885
205
66
61
37
19
126
16
257
26
28
44
496
73
149
169
92
11
1381
278
215
61
37
20
295
17
349
26
39
44
Total
PERFORMANCE OF OMBUDSMEN AT DIFFERENT CENTRES (NON-LIFE INSURANCE)
STATEMENT 76
192
88
162
296
33
237
55
35
78
185
189
1395
Bhopal
Bhubaneshwar
Chandigarh
Chennai
Delhi
Guwahati
Hyderabad
Kochi
Kolkata
Lucknow
Mumbai
TOTAL
17459
2528
1229
1979
917
1273
604
2758
1693
2214
491
603
1170
Total
15
48
52
(II)
87
50
50
23
51
3156 951
486
157 148
185
109
132
344
258
118
703 425
269
98
297
(I)
1272
101
121
193
59
65
93
304
77
62
192
(III)
149
71
318
578
(IV)
2222
1229
1569
820
1223
576
2219
1674
1581
432
526
1119
Total
1839
1183
1226
779
1223
546
1859
1576
1438
171
491
1115
(A) Within 3 months

(C) Above 1 Year
1653
383
46
260
41
30
360
98
142
254
35
2222
1229
1569
820
1223
576
2219
1674
1581
432
526
1119
Total
91 15190
83
9811 15190 13446
1736
823
1176
468
982
225
1873
1412
No.of complaints
disposed by way of
(III) Dismissal
16064
2339
1229
1794
839
1238
549
2521
1660
1918
329
515
1133
Received
during
2009-10
Total No. of
Complaints
Notes:
O/S : Outstanding
37
O/s as on
31st March
2009
Ahmedabad
Name of
the Centre
STATEMENT 77
1487
222
169
97
50
27
256
17
474
58
66
51
782
84
241
283
159
11
2269
306
410
97
50
28
539
19
633
59
77
51
Total
PERFORMANCE OF OMBUDSMEN AT DIFFERENT CENTRES (LIFE & NON-LIFE COMBINED)
ANNEX
193
194

ANNEX 1
INSURANCE COMPANIES OPERATING IN INDIA

LIFE INSURERS*
Public Sector
1
Life Insurance Corporation of India
Private Sector
1
Aegon Religare Life Insurance Co. Ltd.
Aviva Life Insurance Co. Ltd.
Bajaj Allianz Life Insurance Co. Ltd.
Bharti AXA Life Insurance Co. Ltd.
Birla Sun Life Insurance Co. Ltd.
Canara HSBC OBC Life Insurance Co. Ltd.
DLF Pramerica Life Insurance Co. Ltd.
Future Generali Life Insurance Co. Ltd.
HDFC Standard Life Insurance Co. Ltd.
10
ICICI Prudential Life Insurance Co. Ltd.
11
IDBI Federal Life Insurance Co. Ltd.
12
ING Vysya Life Insurance Co. Ltd.
13
IndiaFirst Life Insurance Co. Ltd.
14
Kotak Mahindra Old Mutual Life Insurance Co. Ltd.
15
Max New York Life Insurance Co. Ltd.
16
MetLife India Insurance Co. Ltd.
17
Reliance Life Insurance Co. Ltd.
18
Sahara India Life Insurance Co. Ltd.
19
SBI Life Insurance Co. Ltd.
20
Shriram Life Insurance Co. Ltd.
21
Star Union Dai-ichi Life Insurance Co. Ltd.
22
TATA AIG Life Insurance Co. Ltd.
*As on 31st August, 2010
195

Contd... ANNEX I
INSURANCE COMPANIES OPERATING IN INDIA

NON-LIFE INSURERS*
Public Sector
Private Sector
New India Assurance Co. Ltd.
Bajaj Allianz General Insurance Co. Ltd.
National Insurance Co. Ltd.
Bharti AXA General Insurance Co. Ltd.
The Oriental Insurance Co. Ltd.
Cholamandalam MS General Insurance Co. Ltd
United India Insurance Co. Ltd.
Future Generali India Insurance Co. Ltd
HDFC Ergo General Insurance Co. Ltd.
ICICI Lombard General Insurance Co. Ltd
5
Export Credit Guarantee Corporation Ltd.
IFFCO Tokio General Insurance Co. Ltd.
Agriculture Insurance Company of India Ltd.
L & T General Insurance Co. Ltd.
Raheja QBE General Insurance Co. Ltd.
10
Reliance General Insurance Co. Ltd.
11
Royal Sundaram Alliance Insurance Co. Ltd.
12
SBI General Insurance Co. Ltd
13
Shriram General Insurance Co. Ltd.
14
TATA AIG General Insurance Co. Ltd.
15
Universal Sompo General Insurance Co. Ltd.
Standalone Health Insurers

16
Apollo Munich Health Insurance Co. Ltd.
17
Max Bupa Health Insurance Co. Ltd.
18
Star Health and Allied Insurance Co. Ltd.
RE INSURER
General Insurance Corporation of India
* As on 31st August, 2010.
196

ANNEX 2
FEE STRUCTURE FOR INSURERS AND VARIOUS INTERMEDIARIES

Sl. No
Insurer/ Intermediary
Processing
Fee
Registration
Fee
Renewal Fee
Insurer (Life / Non Life /

Reinsurer)
` 50,000
1/10th of 1% of Gross Direct Premium Every year (by

written in India subject to a
31st December)
minimum of ` 50,000 and Maximum
of ` 5 crore
Third Party Administrator
`20,000
`30,000
`30,000
3 years
Broker - Direct
`20,000
`1000 as the renewal fee +

an annual fee of 0.50% of
remuneration earned in the
preceding financial year subject
to a minimum of `25,000 and
Maximum of `1,00,000.
3 years
Broker - Reinsurance
`25,000
`1,000 as renewal fee +

3 years
annual fee of 0.50% of remuneration
earned in the preceding financial year
subject to a minimum of `75,000
and maximum of `3,00,000
Broker - Composite
`40,000
`1,000 as the renewal fee + Annual 3 years

fee of 0.50% of remuneration earned
in the preceding financial year
subject to minimum of `1,25,000
and Maximum of `5,00,000.
Surveyors and Loss Assessors

Individual-Category
A
B
C
-
`10,000
` 7,500
` 5,000
`200 for every category
5 Years
Corporate-Category
A
B
C
`25,000
`20,000
`15,000
`200 for every category
5 Years
Corporate Agents
`250 for
Corporate
Insurance
Licence and
`500 for the
Certificate
to the
Specified
Person
`250
3 Years
197
Periodicity
at Renewal

ANNEX 3 (i)
INDIAN ASSURED LIVES MORTALITY (1994-96) (modified) ULTIMATE

Age
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
Mortality rate
Age
Mortality rate
0.001630
0.000960
0.000670
0.000620
0.000470
0.000420
0.000380
0.000400
0.000400
0.000400
0.000380
0.000450
0.000530
0.000650
0.000713
0.000770
0.000823
0.000873
0.000919
0.000961
0.000999
0.001033
0.001063
0.001090
0.001113
0.001132
0.001147
0.001159
0.001166
0.001170
0.001170
0.001171
0.001201
0.001246
0.001308
0.001387
0.001482
0.001593
0.001721
0.001865
0.002053
0.002247
0.002418
0.002602
0.002832
0.003110
0.003438
0.003816
0.004243
0.004719
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
0.005244
0.005819
0.006443
0.007116
0.007839
0.008611
0.009433
0.010294
0.011025
0.011951
0.013073
0.014391
0.015904
0.017612
0.019516
0.021615
0.022724
0.025617
0.028823
0.032372
0.036294
0.040623
0.045392
0.050639
0.056404
0.062728
0.069655
0.077231
0.085502
0.094519
0.104331
0.114992
0.126553
0.139067
0.151077
0.162298
0.174149
0.186638
0.199775
0.213560
0.227995
0.243072
0.258782
0.275109
0.292031
0.309522
0.327549
0.346073
0.365052
0.384436
198

ANNEX 3 (ii)
MORTALITY RATES OF ANNUITANTS IN LIC OF INDIA

LIC A (96-98) ULTIMATE
Age
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
Mortality Rate
0.000919
0.000961
0.000999
0.001033
0.001063
0.001090
0.001113
0.001132
0.001147
0.001159
0.001166
0.001170
0.001170
0.001171
0.001201
0.001246
0.001308
0.001387
0.001482
0.001593
0.001721
0.001865
0.002053
0.002247
0.002418
0.002602
0.002832
0.003110
0.003438
0.003816
0.004243
0.004719
0.005386
0.006058
0.006730
0.007401
0.008069
0.008710
0.009397
0.010130
0.010907
0.011721
0.011750
0.012120
0.012833
Life Expectation
Age
Mortality Rate
57.45
56.50
55.56
54.61
53.67
52.72
51.78
50.84
49.89
48.95
48.01
47.06
46.12
45.17
44.22
43.28
42.33
41.38
40.44
39.50
38.56
37.63
36.70
35.77
34.85
33.93
33.02
32.11
31.21
30.32
29.43
28.56
27.69
26.84
26.00
25.17
24.35
23.55
22.75
21.96
21.18
20.41
19.64
18.87
18.10
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
0.013889
0.015286
0.017026
0.019109
0.021534
0.024301
0.027410
0.030862
0.034656
0.038793
0.043272
0.048093
0.053257
0.058763
0.064611
0.070802
0.077335
0.084210
0.091428
0.098988
0.106891
0.115136
0.123723
0.132652
0.141924
0.151539
0.161495
0.171794
0.182436
0.193419
0.204746
0.216414
0.228425
0.240778
0.253473
0.266511
0.279892
0.293614
0.307679
0.322087
0.336836
0.351928
0.367363
0.383139
0.399258
0.415720
199
Life Expectation
17.33
16.56
15.81
15.08
14.36
13.67
12.99
12.35
11.72
11.13
10.56
10.01
9.49
9.00
8.53
8.08
7.66
7.26
6.88
6.52
6.19
5.87
5.56
5.28
5.01
4.76
4.52
4.29
4.07
3.87
3.68
3.50
3.33
3.17
3.01
2.86
2.72
2.59
2.46
2.33
2.19
2.05
1.89
1.70
1.45
1.08

ANNEX 4
LIFE INSURANCE PRODUCTS CLEARED DURING THE FINANCIAL YEAR 2009-10

S.No Name of the Insurer
Name of the Product
UIN*
Aegon Religare Life
Aegon Religare Premium Gain Plus Plan

Aegon Religare Wealth Protect Plan
Aegon Religare Invest Maximiser Plan
Aegon Religare Iterm Plan
Aegon Religare Group Credit Life Plan
Aegon Religare Protect Gain Plan
Aegon Religare Star Child Plan
Aegon Religare Pension Plan
Aegon Religare Premium Gain Plus Plan
Aegon Religare Wealth Protect Plan
Aegon Religare Money Back Plan
Aegon Religare Wealth Protect Plus Plan
Aegon Religare Growth Plan
138L013V01
138L014V01
138L015V01
138N016V01
138N017V01
138L001V02
138L005V02
138L010V02
138L013V02
138L014V02
138N018V01
138L019V01
138L020V01
Aviva Life
Aviva Traditional Group Gratuity Plan

Aviva Corporate Shield Plus
Aviva Corporate Life Plus
Aviva Long Life Samruddhi
Aviva Dhan Sanchay
Aviva New freedom Life Plan
Aviva New Life Line
Aviva New Save Guard
Aviva New Pension Elite
Aviva New Pension Plus
Aviva New Life Bond Plus
Aviva New Young Scholar Plan
Aviva New Sachin Century Plan
Annuity Plus
Aviva New LifeSaver Plus
Aviva Wealth Protect
122N065V01
122N066V01
122N067V01
122N068V01
122N069V01
122L070V01
122L071V01
122L072V01
122L073V01
122L074V01
122L075V01
122L076V01
122L077V01
122N018V02
122L078V01
122L079V01
Bajaj Allianz Life
Bajaj Allianz New Unit Gain Easy Pension Plus - RP

Bajaj Allianz Group Seva Plan
Bajaj Allianz Invest Plus
Bajaj Allianz Group Secure Life
Bajaj Allianz Smart Investment Plan
Bajaj Allianz Century plus III
Bajaj Allianz Smart Investment Plan II
Bajaj Allianz Group Unit Gain
Bajaj Allianz Unit Gain Protection Plus II
Bajaj Allianz Max Gain
Bajaj Allianz Young Care II
Bajaj Allianz New Family Gain II
Bajaj Allianz New Unit Gain II
Bajaj Allianz Family Assure II
Bajaj Allianz iGain II
Bajaj Allianz Wealth Gain
116L031V03
116N073V01
116N074V01
116N075V01
116L076V01
116L077V01
116L078V01
116L079V01
116L080V01
116L081V01
116L082V01
116L083V01
116L084V01
116L085V01
116L086V01
116L087V01
* Unique Identification Number

200

Contd... ANNEX 4
Bharti AXA Life
Birla Sun Life
Bajaj Allianz Retirement Advantage RP

Bajaj Allianz Retirement Advantage SP
Bajaj Allianz Shield plus
Bajaj Allianz Future Secure II
Bajaj Allianz Assure Gain
Bajaj Allianz Invest Plus Premier
Bajaj Allianz Unit Linked Term Rider
Bajaj Allianz Group UL Accidental Death Benefit Rider
Bajaj Allianz Group UL Accidental
Permanent Total/Partial Disability Benefit Rider
Bajaj Allianz UL Accelerated Critical Illness Rider
116L088V01
116L089V01
116L090V01
116L091V01
116L092V01
116N093V01
116A021V01
116A022V01
Bharti AXA Life Guarantee Builder

Bharti AXA Life Spot Guarantee Builder
Bharti AXA Life Credit Secure
Bharti AXA Life Merit Plus
Bharti AXA Life Easy Health
Bharti AXA Life Bachat Bima
Bharti AXA Life Elite Secure
Bharti AXA Life Future Secure Pension
Bharti AXA Life Express Secure
Bharti AXA Life Aspire Life Plus
Bharti AXA Life Bright Stars Plus
Bharti AXA Life Wealth Confident
Bharti AXA Life Spot Guarantee Builder
Bharti AXA Life Merit Plus EDGE
Bharti AXA Life Dream Life Pension Plus
Bharti AXA Life Swarna Bhavishya
Bharti AXA Life Future Advantage Plan
Bharti AXA Life Level Term Rider
Bharti AXA Life Waiver of Premium on
Critical Illness Rider
130L019V01
130L020V01
130N021V01
130L022V01
130N023V01
130N024V01
130N025V01
130L026V01
130L027V01
130L028V01
130L029V01
130L001V02
130L020V02
130L030V01
130L031V01
130L032V01
130L033V01
130A003V01
BSLI Platinum Plus

BSLI High Networth Term Plan
BSLI Group Asset Assure Plan
BSLI Saral Wealth Plan
BSLI Saral Children Plan
BSLI Saral Health Plan
BSLI Freedom 58
BSLI Titanium Plus Plan
BSLI Dream Child Plan
BSLI Dream Retirement Plan
BSLI Dream Endowment Plan
BSLI Immediate Income Plan
BSLI Platinum Premier Plan
BSLI Group Value Plus Plan
109L037V02
109N044V01
109N045V01
109L046V01
109L047V01
109L048V01
109L038V02
109L049V01
109L050V01
109L051V01
109L052V01
109N053V01
109L054V01
109L055V01
201
116A023V01
116A024V01
130A004V01

Contd... ANNEX 4

6
Canara HSBC OBC
Canara HSBC OBC Life Unit linked Child Plan

Canara HSBC OBC Life Saral Bima Plan
Canara HSBC OBC Life Saral Bima Plus Plan
Canara HSBC OBC Life Stay Smart Plan
Canara HSBC OBC Life Retire Smart Plan
136L009V01
136L010V01
136L011V01
136L012V01
136L013V01
DLF Pramerica Life
DLF Pramerica Family First

DLF Pramerica Future Idols
DLF Pramerica Tatkal Suraksha
DLF Pramerica FeeProtect
DLF Pramerica Wealth +
DLF Pramerica FeeProtect +
DLF Pramerica Golden Age+
DLF Pramerica Golden Age + Single Premium
DLF Pramerica Super Wealth+ Single Premium
DLF Pramerica Future Idols +
DLF Pramerica Tatkal Suraksha +
DLF Pramerica Vishal Super Child Educare ++
DLF Pramerica Vishal Super Wealth Builder ++
DLF Pramerica Unit Linked Level Term Rider
140N008V01
140L009V01
140L010V01
140N011V01
140L002V02
140N012V01
140L013V01
140L014V01
140L015V01
140L016V01
140L017V01
140L018V01
140L019V01
140A005V01
Future Generali India Life Future Generali Anand Plan

Future Generali Saral Anand Plan
Future Generali Freedom Plus Plan
Future Generali Unit Linked Group Superannuation Plan
Future Generali Savings Suraksha
Future Generali Sanjeevani Plus
Future Pension Advantage Plus Plan
Future Generali NAV Assure Plan
Future Generali Guarantee Plus Plan
Future Generali Guarantee Advantage Plan
Future Generali Nivesh Plan
Future Generali Accidental Death Rider
Future Generali Accidental Total &
Permanent Disability Rider
Unit Linked Critical Illness (Core) Rider
Future Generali Unit Linked Life Guardian Rider
Future Generali Unit Linked Term Assurance Rider
133N018V01
133N019V01
133L020V01
133L021V01
133L022V01
133L023V01
133L024V01
133L025V01
133L026V01
133N027V01
133L028V01
133C001V01
HDFC Standard Life
101L044V01
101N045V01
101N046V01
101L047V01
101L048V01
101L049V01
101L050V01
101L051V01
101L052V01
101L053V01
HDFC Unit Linked Wealth Multiplier

HDFC Gramin Bima Kalyan Yojana
HDFC Premium Guarantee Plan
HDFC Pension Super
HDFC Young Star Super
HDFC Endowment Super
HDFC Young Star Super Suvidha
HDFC Endowment Super Suvidha
HDFC Young Star Supreme Suvidha
HDFC Endowment Supreme Suvidha
202
133C002V01
133A017V01
133A018V01
133A019V01

Contd... ANNEX 4

HDFC Wealth Builder
HDFC SimpliLife
HDFC Pension Supreme
HDFC Pension Maximiser II
HDFC Pension Champion
HDFC Endowment Supreme
HDFC Young Star Champion Suvidha
HDFC Young Star Supreme
HDFC Endowment Champion Suvidha
101L054V01
101L033V03
101L055V01
101L056V01
101L057V01
101L058V01
101L059V01
101L060V01
101L061V01
10
ICICI Prudential Life
ICICI Pru Life Stage Assure Pension

ICICI Pru Assure Life
ICICI Pru Elite Pension
ICICI Pru Pinnacle
ICICI Pru Life Time Maxima
ICICI Pru Premier Wealth
ICICI Pru Assure Wealth
ICICI Pru Elite Pension II
ICICI Pru Life Stage Pension Advantage
ICICI Pru Life Time Pension Maxima
ICICI Pru Assure Pension
ICICI Pru Life Stage Wealth
ICICI Pru Smart Kid Maxima
ICICI Pru Ace
ICICI Pru Smart Kid Assure
ICICI Pru Structured Annuity
ICICI Pru Immediate Annuity
105L092V01
105L093V01
105L094V01
105L095V01
105L096V01
105L097V01
105L098V01
105L099V01
105L100V01
105L101V01
105L102V01
105L103V01
105L104V01
105L105V01
105L106V01
105N107V01
105N009V05
11
IDBI Federal Life
IDBI Fortis Termsurance Protection Plan

IDBI Fortis Incomesurance
Endowment and Money Back Plan
Wealthsurance Foundation Plan
IDBI Fortis Retiresurance Pension plan
IDBI Fortis Termsurance Grameen Bachat Yojna
IDBI Fortis Healthsurance
Hospitalisation and Surgical Plan
135N009V01
135N012V01
135N010V01
135L001V02
135L008V02
135N011V01
12
IndiaFirst Life
India First Annuity Plan

India First Education Plan
India First Future Plan
India First Savings Plan
India First Group Credit Life Plan
India First Group Term Plan
143N001V01
143L002V01
143L003V01
143L004V01
143N005V01
143N006V01
13
ING Vysya Life
ING Vysya New Best years Plan

ING Flexi Life
ING Flexi Life Plus
ING Easy Life
ING New Golden Life
ING Future Perfect
114N040V01
114L041V01
114L042V01
114L043V01
114L044V01
114L045V01
203

Contd... ANNEX 4

ING New Creating Star
ING Freedom Plan
ING New Prime Life
ING Assured Returns
114L047V01
114L046V01
114L048V01
114N049V01
14
Kotak Mahindra OM Life Kotak Single Invest

Kotak Headstart Future Protect (Single Life Plan)
Kotak e-retirement Saver
Kotak Term Plan
Kotak e-Invest Maxima
Kotak Headstart Assure Wealth (Single Life Plan)
Kotak Guaranteed Pension Builder Plan
Kotak Term Group Plan
Kotak Super Advantage
Kotak Long Life Secure Plus
Kotak Second Innings Plan
Kotak Single Invest
Kotak Safe Investment Plan II
Kotak Platinum Edge
Kotak Long Life Wealth Plus
Kotak Headstart Assure Wealth (Joint Life Plan)
Kotak Preferred Term Plan
Accidental Death Benefit (Rider)
Accidental Dismemberment Benefit (Rider)
Accidental Death Disability & Dismemberment (Rider)
Accidental Disability Benefit (Rider)
Critical Illness Benefit (Rider)
Family Benefit (Rider)
Kotak Group Terminal Illness (Rider)
Kotak Critical Illness Plus (Rider )
Kotak Group Daily Task Benefit (Rider)
107L053V01
107L037V02
107L054V01
107N005V04
107L056V01
107L034V02
107L057V01
107N007V03
107L058V01
107L044V02
107L052V02
107L053V02
107L021V03
107L059V01
107L045V02
107L035V02
107N009V04
107C005V02
107C006V02
107C007V02
107C008V02
107C009V02
107C010V02
107B014V02
107B015V01
107B016V01
15
Life Insurance Corporation
LICs Superannuation Plus (Defined Contribution)

LICs Jeevan Mangal
LICs Jeevan Nischay
LICs Profit Plus
LICs Money Plus -I
LICs Market Plus -I
LICs Child Fortune Plus
LICs Jeevan Saathi Plus
LICs Wealth Plus
512L256V01
512N257V01
512N258V01
512L245V02
512L248V02
512L249V02
512L251V02
512L255V02
512L259V01
16
Max New York Life
Max New York Life SMART Xpress

Max New York Life- Life Line Healthy Family
Max Smart Invest Pension Plus
Max New York Life Secure Dreams
Max New York Life Amsure Magic Builder
Max New York Life SMART Xpress
Max New York Life Smart Invest Pension Super
Max New York Life Unit Builder Plus
104L051V01
104N052V01
104L053V01
104N054V01
104L055V01
104L051V02
104L056V01
104L057V01
204

Contd... ANNEX 4

Max New York Life Fortune Builder
Max New York Life Shiksha Plus
104L058V01
104L059V01
17
MetLife India
Met Mortgage Protector Plus

Met Health Care
Met Group Term Life Plus
Met Monthly Income Plan
Met Growth Plus
Met Group Deposit Administration Scheme
Met Growth Super
Met Flexi Shield
Met Suraksha Plus
Met Wealth Plus
Met Easy Plus
Met Gold Plus
Met Pension Plus
Met Fortune
Met Smart Life
Met Magic Plus
117N047V01
117N048V01
117N049V01
117N050V01
117L051V01
117N052V01
117L053V01
117N054V01
117N055V01
117L056V01
117L057V01
117L058V01
117L059V01
117L060V01
117L061V01
117L062V01
18
Reliance Life
Reliance Jan Samriddhi Plan

Reliance Super Golden years Basic Plan
Reliance Traditional Super InvestAssure Plan
Reliance Traditional Group Gratuity Plan
Reliance Super Golden years Term 10 Plan
Reliance Super Automatic Investment Term 10 Plan
Reliance Super Automatic Investment Basic Plan
Reliance Super market Return Basic Plan
Reliance Super market Return Term 10 Plan
Reliance Super Golden years Plus Basic Plan
Reliance Super Golden years Value Basic plan
Reliance Super Golden years Plus Term 10 Plan
Reliance Super Golden years Value Term 10 Plan
Reliance Super Invest Assure Basic Plan
Reliance Super Invest Assure Plus Basic Plan
Reliance Super Invest Assure Plus Term 10 Plan
Reliance Imaan Investment Basic Plan
Reliance Imaan Investment Term 10 Plan
Reliance Premier Life Basic Plan
Reliance Premiere Life Term 10 Plan
Reliance Total Investment Plan Series II
Term 10 Plan - Pension
Reliance Total Investment Plan Series I
Term 10 plan-Insurance
Reliance Wealth +Health Basic Plan
Reliance Wealth+Health Term 10 Plan
Reliance Secure Child Term 10 Plan
Reliance Secure Child Basic Plan
Reliance Money Guarantee Term 10 Plan
Reliance Money Guarantee Basic Plan
121N044V01
121L045V01
121N046V01
121N047V01
121L048V01
121L049V01
121L050V01
121L051V01
121L052V01
121L053V01
121L054V01
121L055V01
121L056V01
121L057V01
121L058V01
121L059V01
121L060V01
121L061V01
121L062V01
121L063V01
205
121L064V01
121L065V01
121L066V01
121L067V01
121L068V01
121L069V01
121L070V01
121L071V01

Contd... ANNEX 4

Reliance Life Highest NAV Guarantee Plan
Reliance Super Golden Years
Term 10 Senior Citizen Plan
Reliance Life Traditional Investment Insurance Plan
Reliance Life Traditional Golden Years Plan
Reliance New Critical Condition (25) Rider
Reliance New Term Life with Accident Benefit Rider
Reliance New Major Surgical Benefit Rider
121L072V01
121L073V01
121N074V01
121N075V01
121C012V01
121C013V01
121C014V01
19
Sahara India Life
Sahara Vishesh
Sahara Umang
Sahara Sanchay - R
Sahara Swabhimaan
Sahara Samarth
Sahara Ankur
Sahara Sanmanvay
127L018V02
127N019V01
127L012V02
127L014V02
127L017V02
127L011V02
127L020V01
20
SBI Life
SBI Life - Sampoorna Suraksha Group Plan

SBI Life - Maha Anand
SBI Life - Shubh Nivesh
SBI Life - Swarna Ganga
SBI Life- Unit Plus III
SBI Life- Smart ULIP
SBI Life- Lifelong Pension Plus
SBI Life- Maha Anand II
SBI Life - Horizon III
SBI Life - Unit Plus III Pension
SBI Life - Horizon III Pension
SBI Life - Unit Plus II Child Plan
SBI Life - Unit Plus Elite II
SBI Life - Cap Assure
SBI Life - Group Rider Accidental Partial Permanent Disability
SBI Life - Group Rider Accidental Death
SBI Life - Group Rider Accelerated- Extended Critical Illness
SBI Life - Group Rider Accidental Total Permanent Disability
SBI Life - Group Rider Additional - Extended Critical Illness
SBI Life - Group Rider Accelerated - Core Critical Illness
SBI Life - Group Rider Additional -Core Critical Illness
SBI Life - Group Rider Accident and Sickness Total Permanent Disability
SBI Life Preferred Term Rider
SBI Life Accidental Death Benefit Rider
SBI Life Accidental Total &
Permanent Disability Benefit Rider
111N040V02
111L054V01
111N055V01
111N006V02
111L056V01
111L053V02
111N057V01
111L058V01
111L059V01
111L060V01
111L061V01
111L062V01
111L063V01
111N064V01
206
111B006V01
111B007V01
111B008V01
111B009V01
111B010V01
111B011V01
111B012V01
111B013V01
111B014V01
111B015V01
111B016V01

Contd... ANNEX 4

SBI Life Premium Pay or Waiver Benefit Rider
SBI Life Criti Care 13 Rider
SBI Life Accidental death Benefit Linked Rider
SBI Life Income Sustainer Rider
111A017V01
111A018V01
111A019V01
111A020V01
21
Shriram Life
Shriram Future Wealth

Shriram Investment Guarantee Plan
Shriram Pension Plan
Shriram Akshay Nidhi
Shriram Shri Vikash - II
Shriram Shri Plus (SP) - II
Shriram Future Wealth - II
Shriram Shri Plus - II
Shriram Shri Vishram - II
Shriram Shri Vidya Plus - II
Shriram Pension Plan - II
Shriram Group Superannuation Scheme
Shriram Group Gratuity Shield
Shriram Critical Illness Rider
128L020V01
128L021V01
128L022V01
128N023V01
128L024V01
128L025V01
128L026V01
128L027V01
128L028V01
128L029V01
128L030V01
128L031V01
128L032V01
128A008V01
22
Star Union Dai-ichi Life
SUD Life Group Savings Linked Insurance Plan

SUD Life Pure Term Assurance Plan
SUD Life Premier Protection Plan
SUD Life Group Gratuity Scheme
SUD Life RML Annuity Plan
SUD Life Instant Endowment Plan
SUD Life Group Leave Encashment Scheme
SUD Life New Dhan Suraksha Plan
SUD Life New Dhan Suraksha Premium Plan
SUD Life New Prabhat Tara (Unit Linked Child Plan)
SUD Life New Dhruv Tara Plan
SUD Life Group Superannuation Scheme
SUD Life Critical Illness Benefit Rider
142N011V01
142N012V01
142N013V01
142N014V01
142N015V01
142N016V01
142N017V01
142L018V01
142L019V01
142L020V01
142L021V01
142N022V01
142C004V01
23
TATA AIG Life
Tata AIG Life Jeevan Lakshya

Tata AIG Invest Assure Sampathi
Tata AIG Invest Assure SuperStar
Tata AIG Invest Assure Optima Plus
Tata AIG Life Invest Assure Swarna Jeevan Plus
Tata AIG Life JeevanLakshaya Plus
Tata AIG Life Invest Assure Flexi Plus
Tata AIG Life Invest Assure Insta +
Tata AIG Life Invest Assure Future Plus
Tata AIG Life Invest Assure Apex Plus
Tata AIG Life Apex Pension 15
Tata AIG Life Apex Pension
Tata AIG Life Invest Assure II +
Tata AIG Life InvestAssure Plus Advantage
Tata AIG Life Invest Assure Health Plus
Tata AIG Life Invest Assure Gold Plus
Tata AIG Life United Ujjwal Bhavishya Plus
110L069V01
110L070V01
110L071V01
110L072V01
110L073V01
110L074V01
110L075V01
110L076V01
110L077V01
110L078V01
110L079V01
110L080V01
110L081V01
110L082V01
110L083V01
110L084V01
110L085V01
110L086V01
110L087V01
207

ANNEX 5
NON-LIFE INSURANCE PRODUCTS CLEARED

DURING THE FINANCIAL YEAR 2009-10
S No.
Name of the Non-Life Insurer
Name of the Product
Apollo Munich General
Optima Cash
Maxima Insurance
Optima Plus
Bajaj Allianz General
Lawyers Professional Indemnity Policy

Extra Care
SIB Health Assist
Bharti AXA General
Trade Credit Insurance Policy

Smart Janta Personal Accident Insurance Policy
Smart Health High Deductible Insurance Policy
Smart Health Essential
Commercial General Liability
Stock Throughput Insurance
Tea Crop Insurance
E&O Insurance Policy
Product Liability Insurance Policy
Public Liability (Non-Industrial)
Professional Indemnity
Smart Plan Householders Package Policy
Smart Plan Shop Package Policy
Smart Student Personal Accident Policy
Directors & Officers Liability Insurance
Micro Smart Health Insurance Policy
Smart Cargo Project Consequential Loss Insurance Policy
Cholamandalam General
Chola Instant Home

Chola Protect 360
Future Generali
Farmers Package Insurance

Camel Insurance
Horse Insurance
Dog Insurance
Jewellers Block Insurance
Burglary (House Breaking) Insurance
Business Surakasha
Criti care policy
E&O Insurance Policy
Commercial General Liability
Poultry Insurance
HDFC Ergo General
Health Suraksha
Critical Illness
Hospital Cash Insurance
Sarv Suraksha
Janata Personal Accident (JPA)
208

Contd... ANNEX 5

Crime Insurance Policy
Employment Practices Liability Insurance Policy
HDFC ERGO Classic - D&O Insurance Policy
Alpha Insurance Policy
SER Clinical Trials Liability Insurance
7
ICICI Lombard General
Commercial Vehicle Extended Warranty Insurance

Premises Pollution Liability Insurance
Sericulture Insurance
IFFCO Tokio General
Swasthya Kavach (Family Health)

Individual Medi Shield
JPA - Long term
Max BUPA
Heartbeat
Heart Beat - Add On
10
Rahaja QBE General
Consequentional loss (Fire policy)

Plate Glass and Neon Signs/Glow Signs Insurance
Industrial All Risk policy
Boiler & Pressure Plant Insurance
Erection All Risks Insurance
Contractors Plant & Machinery
Liability Insurance Policy (PLI Act)
Standard Fire & Special Perils Policy
Workmens Compensation
Goods Carrying Vehicle Package Policy
Miscellaneous Vehicle Package Policy
Passenger Carrying Vehicle Package Policy
Electronic Equipment Insurance
Machinery Breakdown
Combined General Liability
D & O Mgmt Liability
Contractors All Risk Insurance
I & CT Liability
Marine Cargo Insurance - Open Policy
Marine Cargo Insurance - Special Transit
Marine Cargo - Sales Turnover policy
Professional Indemnity
Public Liability Insurance Policy
Product Liability Insurance Policy
Fidelity Guarantee Insurance
All Risks Insurance
Cattle & Livestock
Money Insurance
Office Package
209

Contd... ANNEX 5

11
Reliance General
D&O Liability Policy

Reliance Film Protect
Reliance Healthwise Policy
12
Royal Sundaram General
Medi Safe
Health Shield - Gold
Health Shield - Normal
Health Shield - Premier
Family Health Protector
Health Shield Premium
13
SBI General
Motor Act Only Insurance

Motor Commercial Vehicle Policy
Motor Private Car Insurance
Motor Two Wheeler Insurance
Consequentional loss (Fire policy)
Standard Fire & Special Perils
Contractors All Risk Insurance
Electronic Equipment Insurance policy
Money insurance
14
Shriram General
Burglary Insurance
Public Liability (Under PLI Act) Insurance
Public Liability (NI) Insurance Policy
Fidelity Guarantee Insurance
Marine Cargo
Money Insurance
15
Star Health
Star Shri Individual Care Insurance Policy

Star Shri Family Care Insurance Policy
16
TATA AIG General
Service Contract Liability Insurance Policy

Private Client Group Home Secure policy
Freight Forwarders liability
Endorsement for Terrorism Cover
Rashtriya Swasthya Bima Yojana Insurance Policy
Wellsurance Executive
Wellsurance Woman
Wellsurance Family
Wellsurance Senior
17
Universal Sompo General
Credit Insurance Policy

Business Shield Policy
D&O Liability Insurance
E&O Liability Policy
Long Term JPA
Sampoorna Swasthya Kavach
210
15-30
10
15-20
15-17.5
10
` 500 crore SI (MD+LOP) per risk

` 500 crore SI (MD+LOP) per risk
` 25 crore SI per policy
` 40 crore SI per Vessel
` 40 crore SI per Vessel
No Limit
No Limit
No Limit
Fire, IAR
Large Risks
Marine Cargo
Marine Hull
War & SRCC
Motor, Workmens Compensation
General Aviation Hull
General Aviation Liability
211
5
20
10
15-20
15-27
15-27
` 37.50 crore SI per risk

` 12.5 crore per policy including USA/
` 25 crore per policy excluding USA
` 25 crore SI per event
No Limit
` 100 crore per risk
` 300 crore per risk (MD+LOP)
Oil & Energy
Liability: Casualty and

Financial Liability
Credit and Guarantee Lines,

Mortgage Insurance
Crop/Weather Insurance
Other Miscellaneous
Engineering Machinery Breakdown/

Boiler Explosion/Loss of Profit
Contractor All Risk/Erection

All Risk/Advance Loss of
Profit/Delay in Start Up
MD: Material Damage; LOP: Loss of profit
Average Terms
` 300 crore SI per risk on hull & corresponding

percentage share on other insurances
Aviation (Airlines)
10
10
15-20
Reinsurance
Commission (%)
Limit of Cession in Sum Insured (SI)
Class
OBLIGATORY CESSIONS RECEIVED BY GIC
25-30
25-30
15
15
15
20
Nil
15
15
15-30
Nil
15
10
20
25-30
Profit
Commission (%)
ANNEX 6
ANNEX 7
STATE-WISE NUMBER OF REGISTERED BROKERS

SL.No
State
No of Licensed Brokers *
Andhra Pradesh
Chandigarh
Delhi
59
Gujarat
12
Haryana
Karnataka
Kerala
Madhya Pradesh
Maharashtra
98
10
Punjab
12
11
Rajasthan
12
Tamil Nadu
27
13
Uttar Pradesh
16
14
West Bengal
27
19
5
12
Total
303
* as on 18th August, 2010
212

ANNEX 8
CIRCULARS / ORDERS / NOTIFICATIONS ISSUED BY THE AUTHORITY FROM APRIL 2009*

SI. No. Reference Number
Date of Issue
Subject
1
2
3
IRDA/F&I/CIR/F&A/025/04/2009
IRDA/AGTS/ORD/ORD/030/05/2009
IRDA/AGTS/MISC/ORD/037/05/2009
22/04/2009
04/05/2009
04/05/2009
IRDA/F&I/CIR/CIR/028/05/2009
06/05/2009
5
6
7
8
9
10
11
12
IRDA/NL/CIR/MPL/029/05/2009
IRDA/NL/MISC/RIN/036/05/2009
IRDA/F&I/ORD/F&A/035/05/2009
IRDA/NL/GDL/F&U/034/05/2009
IRDA/HLT/MISC/CIR/033/05/2009
IRDA/F&I/CIR/F&A/031/05/2009
07/05/2009
11/05/2009
15/05/2009
15/05/2009
18/05/2009
20/05/2009
25/05/2009
26/05/2009
13
14
15
16
17
IRDA/LIFE/CIR/CIR/13/05/2009
IRDA/F&I/ORD/F&A/040/06/2009
IRDA/AGTS/GDL/ORD/041/07/2009
27/05/2009
29/05/2009
04/06/2009
24/06/2009
03/07/2009
18
19
20
21
22
23
IRDA/ADMN/CIR/CIR/044/07/2009
IRDA/ACT/CIR/PRD/045/07/2009
IRDA/LIFE/CIR/PAN/21/07/2009
IRDA/F&I/GDL/INV/042/07/2009
IRDA/F&I/CIR/INV/047/08/2009
09/07/2009
13/07/2009
22/07/2009
23/07/2009
27/07/2009
04/08/2009
24
25
IRDA/F&I/CIR/F&A/050/08/2009
05/08/2009
05/08/2009
26
27
28
29
30
31
32
33
IRDA/AGTS/ORD/GUL/051/08/2009
IRDA/ACT/GDL/GEN/048/08/2009
IRDA/LIFE/CIR/PAN/028/08/2009
IRDA/F&I/CIR/AML/054/08/2009
IRDA/CHM/GDL/CIR/057/09/2009
06/08/2009
13/08/2009
18/08/2009
20/08/2009
24/08/2009
02/09/2009
02/09/2009
09/09/2009
Appointment of Statutory Auditors

Distribution Channel
Matter regarding insurance companies and members
nominated to the Committee.
Approval of appointment and remuneration of Managing Director
u/s 34A of the Insurance Act, 1938.
Disclosures forming part of Financial Statements
Pension Fund Managers (PFMs)/Points of Presence (PoP)
Indian Motor Third party Insurance Pool - Administration Fees.
Submission of compliance report for facultative placements
Exemption from prescribed Limit of expenses of management.
Guidelines on File & Use requirements for general insurance products
Health insurance for senior citizens
Reconciliation of amounts due to/due from
Entities Carrying on insurance Business
Protection of policyholders Interests
Declaration of Bonus under section 49 of the Insurance Act,1938.
Indian Depositary Receipts
Levy of penalty under section 105B of the Insurance Act, 1938
Guidelines on qualifications of Corporate insurance
Executives and faculty of Agents Training Institutes.
AML Guidelines.
Submission of Insurance Data at IRDA Data Center
Unit Linked Products-cap on charges
Requirement of PAN for Insurance Product.
Clarification on investments in central government securities
Audit of investment Risk management systems & process
internal/Concurrent Audit.
Guidelines on Corporate Governance for the insurance sector
Appropriation/expropriation unit pricing and reserving
Linked business clarification
Insurance Qualification of the Corporate Agent
Role of Appointed Actuaries
Requirement of PAN for Insurance Products
Unit-Linked Products cap on charges
Anti-money Laundering Guidelines
Transfer of corporate agency agreement from one insurer to another
Free look period in health insurance policies by general insurance companies.
The prevention of Money Laundering (Amendment) Act, 2009
* till 30th September, 2010
213

Contd... ANNEX 8

34
35
36
37
38
39
40
41
42
IRDA/SUR/GDL/ORD/063/09/2009
IRDA/LIFE/MISC/CIR/037/09/2009
IRDA/SUR/GDL/ORD/064/09/2009
IRDA/AGTS/MISC/NOT/059/09/2009
IRDA/CHM/CIR/NOT/065/10/2009
IRDA/F&I/CIR/INV/040/10//2009
IRDA/CHM/CIR/IPO/066/10/2009
IRDA/SUR/CIR/ORD/067/10/2009
15/09/2009
15/09/2009
15/09/2009
17/09/2009
18/09/2009
01/10/2009
05/10/2009
08/10/2009
08/10/2009
43
44
45
IRDA/TAC/ORD/ADMN/068/10/2009
IRDA/F&I/CIR/INV/036A/09/2009
15/10/2009
23/10/2009
28/10/2009
46
IRDA/HLT/GDL/CIR/072/11/2009
12/11/2009
47
48
49
50
51
IRDA/NL/CIR/F&U/073/11/2009
IRDA/SUR/MISC/CIR/074/11/2009
IRDA/NL/CIR/F&U/078/12/2009
IRDA/LGL/MISC/CIR/080/12/2009
16/11/2009
17/11/2009
27/11/2009
03/12/2009
15/12/2009
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
IRDA/F&I/CIR/F&A/081/12/2009
IRDA/BRS/ORD/LC/084/12/2009
IRDA/ADMN/CIR/ATI/086/12/2009
IRDA/LIFE/GDL/MISC/087/12/2009
IRDA/ACT/PR/PRD/088/12/2009
IRDA/BRS/ORD/LC/001/01/2010
IRDA/F&I/ORD/RSS/003/01/2010
IRDA/F&I/ORD//RSS/005/01/2010
IRDA/LGL/ORD/DM/007/01/2010
IRDA/F&I/CIR/F&A/008/01/2010
IRDA/F&I/CIR/F&A/012/01/2010
IRDA/F&I/CIR/F&A/014/01/2010
IRDA/F&I/ORD/IN/015/02/2010
IRDA/LGL/MISC/ORD/017/02/2010
17/12/2009
22/12/2009
23/12/2009
23/12/2009
23/12/2009
24/12/2009
05/01/2010
07/01/2010
07/01/2010
07/01/2010
07/01/2010
07/01/2010
07/01/2010
11/01/2010
21/01/2010
28/01/2010
29/01/2010
01/02/2010
03/02/2010
04/02/2010
08/02/2010
Order against Dinesh Chand Jain

Premium Awaited Policies
Order against Kalyan Prasad Sen
IIFCL Taxable Bonds - Approved Securities
Notice under section110C of the Insurance Act, 1938
Notice under Section 110C of the Insurance Act, 1938
MCX Stock Exchange Limited - Recognised Stock Exchange
Exposure draft on the public disclosures by insurers
Special dispensation to insurers under section
64UM(2) of the Insurance Act,1938.
Insurance Information Bureau (IIB)
IIFCL Taxable Bonds - Approved Securities
Guidelines for implementation of section 51A of
Unlawful Activities (Prevention) Amendment Act, (UAPA), 2008
Submission of Half Yearly Electronic Returns in
respect of Health Insurance Policies
TP liability- pillion rider and occupants in the vehicle
Use of in-house surveyors
OTC Trades
Liability of insurance companies in respect of passengers in the vehicle
Matter regarding submission of database of cases for protection
of policyholders interests.
Reserve for unexpired risk
Cancellation of Broker licence No.-319
UAPA Nodal Officer
Launching of New Agency Licencing Portal
Guidelines on Health Plus Life Combi Products
Cap on Charges life insurer
Surrender and cancellation of Broker Licence
Non-compliance of Obligation of Insurers to Rural and Social Sector.
Non compliance of Obligation of Insurers to Rural and Social Sector.
Non compliance of Obligation of Insurers to Rural and Social Sector.
Levy of penalty under section 105B of the Insurance Act 1938
Settlement of Claim petition
Business generated through Bancassurance
Public Disclosures by Insurers
Corporate Governance Guidelines
Levy of Penalty under Section 104 of Insurance Act, 1938.
The prevention of Money Laundering (Amendment) Act, 2009
Prevention of Money Laundering
Constitution of Committee - for the purpose of
Amendments - Insurance Act, 1938.
214

Contd... ANNEX 8

73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
IRDA/NL/CIR/RIN/018/02/2010
IRDA/ACT/CIR/GEN/021/02/2010
IRDA/CAGTS/CIR/F&A/045/03/2010
IRDA/F&I/CIR/F&A/045/03/2010
IRDA/AGTS/ORD/TRNG/046/03/2010
IRDA/ACT/CIR/LIF/049/03/2010
IRDA/CAGTS/CIR/LCE/048/03/2010
IRDA/ACT/CIR/GEN/050/03/2010
IRDA/NL/PNTC/HLTH/051/03/2010
IRDA/NL/NTC/F&U/052/03/2010
IRDA/LIFE/PNTC/MISC/054/03/2010
IRDA/NL/CIR/MPL/059/03/2010
IRDA/F&I/ORD/F&A/061/04/2010
IRDA/CHM/CIR/CIR/063/04/2010
IRDA/TPA/ORD/CAN/065/04/2010
IRDA/ACT/CIR/ULIP/066/04/2010
IRDA/NL/ORD/MISC/069/04/2010
08/02/2010
11/02/2010
02/03/2010
10/03/2010
10/03/2010
11/03/2010
11/03/2010
15/03/2010
17/03/2010
22/03/2010
23/03/2010
31/03/2010
08/04/2010
13/04/2010
23/04/2010
27/04/2010
30/04/2010
90
91
92
93
94
IRDA/F&I/CIR/F&A/075/05/2010
IRDA/NL/CIR/HLTH/077/05/2010
IRDA/F&I/CIR/FA/076/05/2010
03/05/2010
10/05/2010
10/05/2010
10/05/2010
13/05/2010
95
96
97
IRDA/ACT/CIR/MISC/081/05/2010
IRDA/CAS/CIR/EXD/083/05/2010
13/05/2010
17/05/2010
18/05/2010
98
99
100
IRDA/ADMN/CIR/GEN/084/05/2010
IRDA/F&I/CIR/DATA/091/06/2010
18/05/2010
25/05/2010
02/06/2010
101
102
103
104
105
106
107
108
109
110
IRDA/F&I/CIR/EHP/100/06/2010
IRDA/NL/CIR/MISC/101/06/2010
IRDA/CAGTS/GDL/LCE/106/06/2010
IRDA/AGTS/ORD/TRNG/109/07/2010
IRDA/LIFE/CIR/MISC/110/07/2010
IRDA/IT/NTC/MIS/111/07/2010
07/06/2010
07/06/2010
16/06/2010
16/06/2010
17/06/2010
19/06/2010
28/06/2010
06/07/2010
12/07/2010
14/07/2010
Reinsurance with Indian Reinsurer 2010-11 Obligatory Cessions.

Appointed Actuarys Annual Report
Guidelines on Licencing of Corporate Agents
Controlled Fund
Constitution of a Group on the matter relating to ATI
Economic Capital
Guidelines on Licencing of Corporate Agents
Actuarial Report and Abstract
Unauthorised entity - M/s.Aetna Healthcare Networks (India)
Notice to National Insurance Co.
Transacting Insurance Business without licence in India
Rationalization of Motor Third Party Pool for commercial vehicles w.e.f 1.4.2010
Standing Committee on Accounting Issues - reconstituted
Circular on ULIP
Canceling of TPA Licence - Universal Medi Aid Services
Benefit Illustration - Payment to Distribution Channel
Carrying of insurance business by unauthorised
entity M/s.Radiant Overseas (P) Ltd
Guidelines on Unit Linked Products
Quarterly submission of Financial Statements
Information u/s 14(2)H of IRDA Act 1999 - Health Insurance Claims
Reporting of Maintenance of Solvency Margin Ratio
Maintenance of records and value of transactions,
procedure and manner of Maintaining for furnishing information and
verification of records of the identity of the clients
Financial Condition Report for Non-Life Insurance Companies
Clarification - Agency Portal
Exposure Draft on Standardisation of Terms & Conditions of Unit Linked
Insurance Products and measures for Policyholders Protection Regulations
Exposure draft on Acquisition of Database
Transfer of Corporate Agency from one insurer to another insurer
Payment of remuneration paid by commission or otherwise,
Section 31B (2) of the Insurance Act, 1938.
Transfer of Corporate Agency from one insurer to another
Inspection of Corporate Agents by the Insurer
Review of AML Guidelines
Details of Equity holding pattern of Insurance Companies
Standard Proposal Form for Liability only Insurance Cover
Elements which shall be incorporated in ULIPs
Guidelines on Issue/Renewal of licence to corporate agents
Computerisation of Insurance Agents Examinations Centres
Cancellation of Circulars on Referral Arrangement
Implementation of ERP systems stage 1 short listing of
IT Firms for technical Bid
215

Contd... ANNEX 8

111
112
113
IRDA/BRK/ORD/LC/112/07/2010
IRDA/F&I/ORD/F&A/114/07/2010
16/07/2010
19/07/2010
21/07/2010
114
IRDA/NL/ORD/RIN/117/07/2010
26/07/2010
115
116
117
118
119
120
IRDA/LIFE/ORD/MISC/120/07/2010
IRDA/LGL/ORD/ORD/122/07/2010
IRDA/LGL/ORD/ORD/123/07/2010
26/07/2010
26/07/2010
27/07/2010
27/07/2010
04/08/2010
05/08/2010
121
122
123
124
IRDA/LIFE/CIR/MISC/126/08/2010
09/08/2010
11/08/2010
16/08/2010
17/08/2010
125
17/08/2010
126
17/08/2010
127
128
129
130
131
132
133
IRDA/F&I/ORD/F&A/133/08/2010
IRDA/F&I/ORD/F&A/134/08/2010
IRDA/CAD/CIR/AGN/137/08/2010
IRDA/CHM/ETASS/CIR/142/08/2010
20/08/2010
20/08/2010
23/08/2010
24/08/2010
24/08/2010
24/08/2010
31/08/2010
134
135
IRDA/F&I/ORD/EMT/145/08/2010
IRDA/BRK/ORD/LC/147/09/2010
31/08/2010
01/09/2010
136
137
138
139
IRDA/NL/ORD/RTI/148/09/2010
IRDA/IT/ORD/MISC/152/09/2010
IRDA/SUR/ORD/LS/153/09/2010
IRDA/ACT/CIR/MISC/154/09/2010
03/09/2010
03/09/2010
06/09/2010
09/09/2010
140
IRDA/CAGTS/GDL/LCE/155/09/2010
14/09/2010
141
142
IRDA/NL/CIR/CRE/159/09/2010
24/09/2010
27/09/2010
Cancellation of Broker licence

Levy of penalty
Reporting of OTC Transaction in Certificate of Deposit (CDs)
and Commercial Papers (CPs)
Policies issued to M/s Clough Engineering and M/s ONGCNational Insurance Company
Approval of Referral Companies
Airport Liability Insurance Policy- National Insurance Company
Show cause notice to SBI Life Insurance
Penalty of `10 lakh on site inspection- SBI Life Insurance
Clarifications on ULIPs
IRDA (Insurance Advertisement and Disclosure)
Amendment Regulations, 2010
Referral arrangement - termination
Transition from referral agreement to Corporate Agency
Advertisement of Life Insurance Products
Order of IRDA against Oriental Insurance Company Ltd.
in the matter relating to Airport Liability Insurance
Order of IRDA against UNITED India Insurance
Company Ltd. in the matter relating to Airport Liability Insurance Policy
Order of IRDA against IFFCO Tokio General Insurance Company Ltd.
in the matter relating to Airport Liability Insurance Policy
Order of the IRDA against M/s Bharti AXA Life Insurance Company Ltd.
Order of the IRDA against M/s Bharti AXA General Insurance Company Ltd.
PAN Card requirement by Corporate Agents
Electronic Transaction Administration and Settlement System
Settlement of Health Claim - Cashless basis
Disclosure of Agency details on Policy Document
Exposure Draft on Electronic Transaction and
Settlement System Regulations.
Limit of expenses of management in the first 5 years.
Rejection of Application dated 16.2.2010 seeking
grant of renewal of composite Broking licence.
Warning and Penalties
Implementation of IGMS System
Suspension of licence of Mr. Sukamal Kumar Choudhury.
Exposure Draft Composite package of Standard
Insurance Product Rural and Social Sector.
Legal Framework to sanction Corporate Agency licence
to Department of Post.
AML/CFT Guidelines for Insurers.
Examination of the credit insurance covers being
marketed by the General Insurance to Bank.
216

ANNEX 9
REGULATIONS FRAMED UNDER THE IRDA ACT, 1999 #
REGULATIONS
SL. No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49*
50*
51*
52*
IRDA (Member of Insurance Advisory Committee) Regulations, 2000

IRDA (Appointment of Insurance Advisory Committee) Regulations, 2000
IRDA (The Insurance Advisory Committee) (Meeting) Regulations, 2000
IRDA (Appointed Actuary) Regulations, 2000
IRDA (Actuarial Report and Abstract) Regulations, 2000
IRDA (Licensing of Insurance Agents) Regulations, 2000
IRDA (Assets, Liabilities and Solvency Margin of Insurers) Regulations, 2000
IRDA (General Insurance - Reinsurance) Regulations, 2000
IRDA (Registration of Indian Insurance Companies) Regulations, 2000
IRDA (Advertisements and Disclosure) Regulations, 2000
IRDA (Obligations of Insurers to Rural or Social Sector) Regulations, 2000
IRDA (Meetings) Regulations, 2000
IRDA (Preparation of Financial Statement and Auditors Report of Insurance Companies)
Regulations, 2000
IRDA (Investment) Regulations, 2000
IRDA (Conditions of Service of Officers and Other Employees) Regulations, 2000
IRDA (Insurance Surveyors and Loss Assessors) (Licensing, Professional Requirements
and Code of Conduct) Regulations, 2000
IRDA (Life Insurance - Reinsurance) Regulations, 2000
IRDA (Investment) (Amendment) Regulations, 2001
IRDA (Third Party Administrator - Health Services) Regulations, 2001
IRDA (Re-Insurance Advisory Committee) Regulations, 2001
IRDA (Preparation of Financial Statement and Auditors Report of Insurance Companies)
Regulations, 2002
IRDA (Protection of Policyholders Interest) Regulations, 2002
IRDA (Insurance Brokers) Regulations, 2002
IRDA (Obligations of Insurers to Rural or Social Sectors)(Amendment) Regulations, 2002
IRDA (Licensing of Corporate Agents) Regulations, 2002
IRDA (Licensing of Insurance Agents) (Amendments) Regulations, 2002
IRDA (Protection of Policyholders Interest) (Amendments ) Regulations, 2002
IRDA (Manner of Receipt of Premium) Regulations, 2002
IRDA (Distributions of Surplus) Regulations, 2002
IRDA (Registration of Indian Insurance Companies) (Amendment) Regulations,2003
IRDA (Qualification of Actuary) Regulations, 2004
IRDA (Obligations of Insurers to Rural or Social Sectors)(Amendment) Regulations, 2004
IRDA (Insurance Advisory Committee) Regulations 2005
IRDA (Micro Insurance) 2005
IRDA (Maternity Leave) 2005
IRDA (Obligation of Insurers to Rural or Social Sectors) (Amendmet) Regulations, 2005
IRDA (Reinsurance Cessions) Notification
IRDA (Licencing of Insurance Agents) (Amendment) Regulations, 2007
IRDA (Licencing of Corporate Agents) (Amendment) Regulations, 2007
IRDA (Insurance Brokers) (Amendment) Regulations, 2007
IRDA (Obligation of Insurers to Rural or Social Sectors) (Third Amendment)
(Amendment) Regulations, 2008
IRDA (Obligation of Insurers to Rural or Social Sectors)(Fourth Amendment) Regulations, 2008
IRDA (Registration of Indian Insurance Companies) (Second Amendment) Regulations, 2008
IRDA (Conditions of Service of Officers and Other Employees)(Second Amendment) Regulations, 2008
IRDA (Investment)(Fourth Amendment)Regulations, 2008
IRDA (Insurance Advisory Committee), 2008
IRDA (Sharing of database for distribution of Insurance Products) Regulations, 2010
IRDA (Treatment of Discounted Linked Insurance Policies) Regulations, 2010
IRDA (Insurance Advertisements and Disclosure)(Amendment) Regulations, 2010
IRDA (Licencing of Insurance Agents)(Agents) Regulations, 2010
# Notified in the official Gazette.
* Issued in 2010-11.
217
218
ANNEX 10
ANNUAL STATEMENT OF ACCOUNTS

FOR THE YEAR ENDED 31st MARCH, 2010
219
220
Separate Audit Report of the Comptroller & Auditor General of India on the
Accounts of Insurance Regulatory and Development Authority (lRDA)
for the year ended 31st March 2010.
We have audited the attached Balance Sheet of Insurance Regulatory and Development Authority (Authority)
as on 31 March 2010 and Income & Expenditure Account / Receipts & Payments Account for the year ended on
that day under Section 19(2) of the Comptroller & Auditor Generals (Duties, Powers & Conditions of Service)
Act, 1971 read with Section 17(2) of the Insurance Regulatory and Development Authority Act, 1999. These
financial statements are the responsibility of the Authoritys management. Our responsibility is to express an
opinion on these financial statements based on our audit.
2.
This Separate Audit Report contains the comments of the Comptroller and Auditor General of India (CAG)
on the accounting treatment only with regard to classification conformity with the best accounting practice,
accounting standards and disclosure norms, etc. Audit observations on financial transactions with regard
to compliance with the Law, Rules & Regulations (Propriety and Regularity) and efficiency-cum-performance
aspects, etc., if any are reported through Inspection Report / CAGs Audit Reports separately.
3.
We have conducted our audit in accordance with auditing standards generally accepted in India. These
standards require that we plan and perform the audit to obtain reasonable assurance about whether the
financial statements are free from material misstatements. An audit includes examining, on a test basis,
evidences supporting the amounts and disclosure in the financial statements. An audit also includes
assessing the accounting principles used and significant estimates made by management, as well as
evaluating the overall presentation of financial statements. We believe that our audit provides a reasonable
basis for our opinion.
4.
Based on our audit, we report that:

(i)
We have obtained all the information and explanations, which to the best of our knowledge and
belief were necessary for the purpose of our audit;
(ii)
The Balance Sheet and Income & Expenditure Account / Receipts & Payments Account dealt with
by this report have not been drawn up in the common format of accounts prescribed by Ministry of
Finance.
(iii)
In our opinion, proper books of accounts and other relevant records have been maintained by the
Insurance Regulatory and Development Authority as required under Section 17(1) of Insurance
Regulatory and Development Authority Act, 1999 in so far as it appears from our examination of
such books.
(iv)
We further report that:
A.
Balance Sheet
A.l.
Liabilities
A.l.1. IRDA Fund

The Insurance Regulatory and Development Authority Act, 1999 provides that all Government grants,
fees and charges received by the Authority be credited to the Insurance Regulatory and Development
221
Authority (IRDA) Fund after meeting its day-to-day expenses. The Authority credited `8.93 lakh to the
IRDA Fund, which represented the value of assets transferred by the Interim Regulatory Authority during
the year 2000-01. In the Balance Sheet, the Authority showed surplus accumulated balances of `550.57
crore under the head Surplus and Funds instead of IRDA Fund. This resulted in understatement of
IRDA Fund to the extent of `550.57 crore and overstatement of Surplus and Funds.
Ministry of Finance had directed the Authority since July, 2002 (latest being in February 2008) that the
moneys collected by it should be deposited in the Public Account of India in a non-interest bearing account
and the Authority would be allowed to withdraw specified amounts in the beginning of each year from the
Public Account for meeting its expenditure.
Despite this being pointed out by Audit in the previous Audit Reports, the Authority had not taken any
action in this regard.
A.2
Assets
A.2.1. Overstatement of liabilities

The Authority has opening balance of advance Renewal fee of `76.10 crore and during the year it has
received total Renewal fee of `133.25 crore as per Receipt and Payment Account. Out of the above total
Renewal fee of `209.35 crore, it has recognized `114.09 crore in Income & Expenditure Account. Hence
the balance amount of `95.26 crore should be shown in the Balance Sheet as advance Renewal fee.
However as per Balance Sheet closing balance of Renewal fee is `94.69 crore .The difference needs to
be reconciled.
B
General
B.l.
Irregularity in investment management

As per the investment policy of IRDA at least 50% of the funds shall be invested in the Government
securities as defined in the Insurance Act, 1938 and the funds may be invested in the banks. The maximum
investment with one bank will be restricted to 10% of the funds or 10% of the paid capital of the bank.
Audit observed that out of total investment of `622.29 crore, in three cases, the Authority had made
investments in Fixed Deposits of `258.05 crore in excess of maximum limit of 10% for each bank provided
in the investment policy resulting in violation of the investment policy of IRDA.
B.2
The Authority had invested `622.29 crore in fixed deposit with scheduled bank and accounted the same
under the head Investment. This resulted in overstatement of Investment and understatement of current
assets by `622.29 crore.
B.3
The Ministry of Finance, Govt. of India has introduced a Common Format of Accounts for Central
Autonomous Bodies / Institutions to bring uniformity and transparency in the accounts. This format of
accounts was required to be implemented by all Central Autonomous Bodies / Institutions from the year
2001-02. However, in cases of Autonomous Bodies governed by separate acts of Parliament and
Comptroller & Auditor General of India is the sole auditor, the existing format as prescribed in the statute
remain unchanged.
222
Subsequently Ministry of Finance, Govt. of India vide OM No. F. No. 10(1) / Misc./2005/TA/ dated 23.7.2006
decided that Common Format of Accounts would also be applicable to such Central Autonomous Bodies/
Institutions which were exempted earlier. However Insurance Regulatory and Development Authority has
been preparing its accounts under section 17(l) of Insurance Regulatory and Development Authority Act
1999 which is in contravention of Govt. of India instructions.
(v)
Subject to our observations in the preceding paragraphs, we report that the Balance sheet and
Income and Expenditure Account / Receipts and Payments Account dealt with by this report are in
agreement with the books of accounts.
(vi)
In our opinion and to the best of our information and according to the explanations given to us, the
said financial statements read together with the Accounting Policies and Notes on Accounts, and
subject to the significant matters stated above and other matters mentioned in Annexure to this
Audit Report give a true and fair view in conformity with accounting principles generally accepted in
India;
(a)
In so far as it relates to the Balance Sheet, of the state of affairs of the Insurance Regulatory and
Development Authority as at 31 March 2010; and
(b)
In so far as it relates to Income and Expenditure Account of the surplus for the year ended on that
date
For and on behalf of the C&AG of India
Place: New Delhi

Date : 24-11-2010
Director General of Audit

Central Expenditure
223
ANNEXURE TO AUDIT REPORT

1.
Adequacy of Internal Audit System
2.
System of physical verification of assets
3.
The physical verification of assets had been conducted upto December 2009.
System of physical verification of inventory
No internal audit department has been set up in the organization nor audit is being conducted by
the Ministry. IRDA has outsourced the work of internal audit to a private firm of Chartered Accountants
and the internal audit for the year 2009-10 has been carried out.
Physical verification of stationery items had been conducted for the year 2009-10. The Authority did
not provide information on system of physical verification of books and publication, stock of paper
and other consumable items.
Regularity in payment of statutory dues
As per accounts, no payment over six months in respect of statutory dues is pending.
224
225
v)
i)
ii)
iii) Loan from Government of India
iv) Other Loans
Unsecured
Secured (stating the security offered for the purpose)
LOANS
Other Balances
iv) Gift and Donations
- Balance at the end of the year
and Expenditure Account - Annexed
Less: Excess of Expenditure Over Income as per Income
and Expenditure Account - Annexed
Add: Excess of Income over expenditure as per Income
4,127,331,218
1,211,155,021
-Balance as per last Balance Sheet
iii) Surplus and Funds
893,244
893,244
5,505,736,762
1,378,405,544
4,127,331,218
Add: Value of Fixed Assets received as grants during the year
2,916,176,197
-Balance at the beginning of the year
Capital Fund
-Balance at end of the year
-Receipts in the year
-At beginning of the year
IRDA Fund [See Note 4]
FIGURES FOR THE

CURRENT YEAR
(`.)
2009-10
-Capital Grants
ii)
i)
GENERAL FUND
LIABILITIES
893,244
893,244
FIGURES FOR THE

PREVIOUS YEAR
(`.)
2008-09
6,569,550
63,723
Deposits with agencies
Cash & Bank Balances
b) Bank Balances
in hand and cash in transit)
a) Cash in Hand(including cheques
Other Current Assets

v)
Amount Due from Insurance Companies & Others
Loans and Advances to Staff
iv)
iii)
106,500
154,180,186
ii)
i)
55,140,630
720,537
Others
Fixed Deposits with scheduled Bank
Units
Securities of Central and State Government
34,724,536
52,622
143,384,308
63,739,259
1,433,599
6,222,900,000
20,000,000
15,980,987
48,003,241
32,022,254
FIGURES FOR THE

CURRENT YEAR
(`.)
2009-10
CURRENT ASSETS, LOANS AND ADVANCES [See Note 3]
iv)
iii)
ii)
4,707,374,515
i)
(Method of Valuation - at Cost]
INVESTMENTS [See Note 2]
Work-in-Progress - IRDA Building
Net Block of Assets
FIXED ASSETS [See Note 1] as per Annexure I

Gross Block of Assets
Less: Depreciation
ASSETS
12,274,947
37,962,749
25,687,802
FIGURES FOR THE

PREVIOUS YEAR
(`.)
2008-09
Balance Sheet as at 31st March, 2010
FORM - A
226
4,936,430,588
FIGURES FOR THE

PREVIOUS YEAR
(`.)
2008-09
ASSETS
(G Prabhakara)
Member
(R K Nair)
Member
(N Srinivasa Rao)
FA & CAO
(K K Srinivasan)
Member
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.
6,502,215,311
1,426,458
946,856,096
125,242
19,895,090
1,392,984
6,960,174
18,929,261
FIGURES FOR THE

CURRENT YEAR
(`.)
2009-10
CURRENT LIABILITIES AND PROVISIONS

[See Note 5]
i) SUNDRY CREDITORS:
-for Capital Items
-for Other Items
ii) PROVISIONS:
-Provision for doubtful debts and advances
-Provision for depletion in value of investment
-Provision for expenses
iii) OTHER LIABILITIES:
1. Unspent Grants
2. Interest payable to Government/Other Loans
3. Provident, Retirement & Other Welfare Funds:
(a) Provident Fund
(b) Other Welfare Funds
(c) Retirement Benefit Fund and Staff Benefit Fund:
4. Others (Specify)
-other Liabilites (Tax deducted at source)
-Registration Renewal fee received in Advance
-Soft Furnishing Recovery
Book Overdraft - Bank of India, Basheerbagh br. CD - 119
LIABILITIES
Significant Accounting Policies and Notes Forming Part of Accounts - Annexure IX
1,549,804
760,958,032
107,377
4,937,418
4,936,430,588
14,210,010
757,070
106,500
58,676
25,521,239
FIGURES FOR THE

PREVIOUS YEAR
(`.)
2008-09
Balance Sheet as at 31st March, 2010
Chairman
(J Hari Narayan)
Member
(R Kannan)
6,502,215,311
FIGURES FOR THE

CURRENT YEAR
(`.)
2009-10
Cont'd... FORM - A
227
1,420,854,440
1,596,187,771
443,519,850
21,632,405
360,000
1,378,405,544
1,974,671
200,010
1,420,854,440
373,904,371
1,612,842
-
572,857,261
2,752,030
350,000
1,691,000
-
7,473,608
183,769
6,334,453
20,956,816
98,667,761
61,492,673
5,951,759
11,412,683
5,308,705
FIGURES FOR THE FIGURES FOR THE

CURRENT YEAR PREVIOUS YEAR
(`.)
(`)
(2009-10)
(2008-09)
(G Prabhakara)
Member
(R K Nair)
Member
(N Srinivasa Rao)
FA & CAO
(K K Srinivasan)
Member
(J Hari Narayan)
Chairman
(R Kannan)
Member
Others
Penalties,Fines etc.
Seminar, Conferences and Publications etc.
Income from investments - Interest on deposits
with Scheduled Banks
Interest on Deposits
Interest on advances
i) granted to members of staff for housing purposes
ii) Others
Miscellaneous Income
Renewal of Licence - Agents

Renewal of Licence-Brokers
Renewal of Licence - TPA
Renewal of Licences - Insurer
Renewal Fees
Surveyors Fees
Registration Fee- Insurer
Registration Fees - Agents
Registration Fee- Broker
Registration Fees - TPA
Grants in Aid
Received
Receivable
Less: Transferred to Capital Fund
Fees:
Registration Fees
INCOME
Significant Accounting Policies and Notes Forming Part of Accounts - Annexure IX

Notes 1 The information relating to payment to and provision for employees is given in Annexure VI.
2 The information relating to establishment expenses is given in Annexure VII.
3 The information relating to interest amount is given in Anenxure VIII.
4 All Annexures to Income and Expenditure Account and Notes/Information relating to Significant Accounting Policies form part of accounts.
Fringe Benefit Tax

Excess of Income Over Expendiutre for the
year carried down
Interest [See Note 3]

Depreciation
Capital Assets Written Off
Loss on Write Off of Asset
Provison for doubtful debts and advances
Development Expenditure
Promotional Expenditure
Other Expenses
4,379,975
25,607,734
275,240
2,149,862
1,211,155,021
Payment to Chairperson and Members

Payment to and Provision for members of Staff [See Note 1]
Establishment Expenses [See Note 2]
Rent
Research & Consultation Fees
Seminars,Conference, Publications, etc.
EXPENDITURE
17,103,354
83,177,191
67,103,197
9,902,866
-
FIGURES FOR THE

PREVIOUS YEAR
(`)
(2008-09)

INCOME AND EXPENDITURE ACCOUNT FOR THE YEAR ENDED 31ST MARCH, 2010
442,157,515
2,777,571
1,049,164
1,596,187,771
6,500,000
382,132,300
28,694,833
60,100
730,009,077
2,687,211
100,000
20,000
-
FIGURES FOR THE

CURRENT YEAR
(`)
(2009-10)
Form - B
To Balance brought forward

Cash at Bank
1,632,132
Cash in hand
63,723
Cheques on hand
Cash / Cheques in transit
To Registration Fees
Insurance Companies
100,000
Third Party Administrators
Insurance Brokers
20,000
Insurance Agents
Insurance Surveyor
2,687,211
Others
To Registration Renewal Fees
Insurance Companies
845,841,494
Third Party Administrators
60,100
Insurance Surveyors
Insurance Agents
457,970,820
Insurance Brokers
28,634,833
Others
To Penalties,Fines from insurers and intermediaries
6,500,000
To Seminar,Conferences etc.
To Income from Investments
To Sale of Investments
4,817,274,515
To Grants
i) Central Government / State Govt/ Others
ii) Gift and Donations
To Loans
-
228
4
5
6
7
8
RECEIPTS
Sl.No.
10
11
12
13
14
15
16
17
18
8
9
1
2
3
4
5
6
By Research and Consultation Fees

By Seminars, Conference, Publications etc.
By Rent Payments
By Development Expenditure
By Promotional Expenditure
By Payment to Chairperson and Members
(i) Pay and Allowances
(ii) Other Benefits
(iii) Travelling Expenses
By Establishment Expenses
(i) Pay and Allowances
(ii) Other Benefits
(iii) Travelling Expenses
(iv) Retirement Benefits
By Office Expenses
By Interest on
(i) Government Loans
(ii) Other Loans
By Purchase of Assets
By Capital Work-in-Progress
By Advances to staff and others including travel advance
By Investments
By Repayment of Government Loans/ fees
By Repayment of Other Loans
By Other Expenses
By Fringe Benefit Tax
By Security deposit paid
Sl.No. PAYMENTS
RECEIPTS AND PAYMENTS ACCOUNT FOR THE YEAR ENDED 31st MARCH, 2010
762,876
316,892
7,108,736
10,000,000
17,779,664
6,332,800,000
76,048,084
24,367,060
12,269,117
9,712,139
22,090,687
16,169,659
4,060,576
4,200,197
9,002,985
11,397,683
13,840,064
5,806,022
FORM - C
229
15
14
(R K Nair)
Member
(R Kannan)
Member
(J Hari Narayan)
Chairman
By Balance carried forward

(i) Cash at Bank
(a) Bank of India, Basheerbagh Br, A/C -119
(b) Bank of India, Basheerbagh Br, A/C -1938
(c) ICICI Bank, Himayatnagar Br
(d) IOB
(e) State Bank of India, Parisrama Bhavan Br
(ii) Cash in hand
IRDA Hyderabad
Delhi Office
Delhi Guest House
(iii) Cheques in hand
(iv) Cash/ Cheques in Transit
(K K Srinivasan)
Member
6,612,509,599
802
86,157
660,547
2,726,345
448,250,920
19
Sl.No. PAYMENTS
(G Prabhakara)
Member
To interest received on
Deposits
Advances
Others
To Recoveries from Employees
(a) Loans and Advances
(b) Interest on Loans and Advances
(c) Misc. Recoveries
To Other Receipts
(a) Miscellaneous Income
(b) Security deposit from Contractors
(c) Security deposit received back
(d) Interest on Bank Account
(e) TDS on Contractors
To Balance Carried Forward (Book Overdraft)
Bank of India, Basheerbagh Br., A/C -119
12
(N Srinivasa Rao)
FA & CAO
To Sales of Publication etc.

To Sale of Assets
10
11
13
RECEIPTS
Sl.No.
RECEIPTS AND PAYMENTS ACCOUNT FOR THE YEAR ENDED 31st MARCH, 2010
6,612,509,599
35,000
7,622
10,000
8,941,096
25,241,319
21,987
4,999
515,134
Cont'd... FORM - C
230
(N Srinivasa Rao)
FA & CAO
37,962,749
20,758,059
Computers
Total
8,718,681
Furniture and Fixtures
822,724
6,555,741
Equipments
Books
1,097,544
(b) Building
Vehicles
10,000
(a) Land
Residential Flats
(b) Building
(a) Land
Office Premises
Particulars
Cost as on
01.04.2009
(K K Srinivasan)
Member
10,053,208
681,066
5,494,714
3,454,483
422,945
12,716
12,716
Gross block
Additions Sold/Disposed
During the Off During the
Year
Year
(R K Nair)
Member
48,003,241
1,503,790
26,240,057
12,173,164
6,978,686
1,097,544
10,000
Total as on
31.03.2010
25,687,801
822,724
16,040,831
4,684,439
3,619,901
519,907
As on
01.04.2009
(G Prabhakara)
Member
6,347,510
681,066
3,424,076
1,541,440
551,377
149,551
13,057
13,057
Depreciation
For the
Adjustments
Year
(R Kannan)
Member
32,022,254
1,503,790
19,464,906
6,225,879
4,158,222
669,458
As on
31.03.2010
Schedule of Fixed Assets annexured to and forming part of Balance Sheet as on 31st March, 2010
12,274,948
4,717,228
4,034,242
2,935,840
577,637
10,000
(J Hari Narayan)
Chairman
15,980,987
6,775,151
5,947,285
2,820,464
428,086
10,000
Net block
As on
As on
31.03.2010
31.03.2009
ANNEXURE I
Start Date
4-Apr-09
6-Apr-09
13-Apr-09
13-Apr-09
13-Apr-09
13-Apr-09
13-Apr-09
13-Apr-09
13-Apr-09
13-Apr-09
13-Apr-09
15-Apr-09
15-Apr-09
15-Apr-09
15-Apr-09
21-Apr-09
21-Apr-09
21-Apr-09
21-Apr-09
21-Apr-09
21-Apr-09
21-Apr-09
21-Apr-09
21-Apr-09
4-May-09
4-May-09
13-May-09
13-May-09
13-May-09
13-May-09
13-May-09
13-May-09
13-May-09
1-Jun-09
1-Jun-09
Deposited with
Karur Vysya Bank

Bank of India, Basheerbagh
Andhra Bank
Andhra Bank
Andhra Bank
Karur Vysya Bank, RP Road
Andhra Bank
Andhra Bank
State Bank of India - PB
Canara Bank
Canara Bank
Canara Bank
Canara Bank
Syndicate Bank
Syndicate Bank
1410515000000341/1
860145110000913
860145110000919
860145110000920
860145110000921
860145110000922
860145110000923
860145110000924
860145110000925
860145110000926
860145110000927
35020100002166
233001
320030
1410515000000341/3
411735
320033
1410516000027561/4
30747391172
30747391648
30747392041
30747397639
30747398510
30747398906
30756075767
30756076318
1787401002245/16
1787401002245/17
1787401002245/18
1787401002245/19
30763075714
30763075522
30763075373
30114050023376/1
30114050023376/3
FDR No
20000000
3000000
9600000
9600000
9600000
9600000
9600000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
30000000
9800000
9800000
30000000
9800000
9800000
9800000
9800000
9800000
9800000
9000000
6000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
Amount
of Deposit
9.00%
8.00%
8.00%
8.00%
8.00%
8.00%
8.00%
8.00%
8.00%
8.00%
8.00%
8.00%
8.00%
8.00%
8.75%
7.50%
7.50%
8.75%
7.75%
7.75%
7.75%
7.75%
7.75%
7.75%
7.50%
7.50%
7.50%
7.50%
7.50%
7.50%
7.50%
7.50%
7.50%
7.50%
7.50%
% of interest
4-Apr-10
6-Apr-10
13-Apr-10
13-Apr-10
13-Apr-10
13-Apr-10
13-Apr-10
13-Apr-10
13-Apr-10
13-Apr-10
13-Apr-10
15-Apr-10
15-Apr-10
15-Apr-10
15-Apr-10
21-Apr-10
21-Apr-10
21-Apr-10
21-Apr-10
21-Apr-10
21-Apr-10
21-Apr-10
21-Apr-10
21-Apr-10
4-May-10
4-May-10
13-May-10
13-May-10
13-May-10
13-May-10
13-May-10
13-May-10
13-May-10
2-Jun-10
2-Jun-10
Maturity Date
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
366
366
Days to
Maturity
362
360
353
353
353
353
353
353
353
353
353
351
351
351
351
345
345
345
345
345
345
345
345
345
332
332
323
323
323
323
323
323
323
304
304
No of days
till 31-3-2010
Statement of interest accrued but not due on fixed deposits as on 31st March, 2010
1846365
243908
765332
765332
765332
765332
765332
717498
717498
717498
717498
713433
713433
713433
2608359
714510
714510
2563772
739017
739017
739017
739017
739017
739017
631458
420971
614339
614339
614339
614339
614340
614340
614340
578276
578276
Interest accrued
but not due
ANNEXURE-II
231
Start Date
1-Jun-09
1-Jun-09
19-Jun-09
19-Jun-09
19-Jun-09
25-Jun-09
25-Jun-09
25-Jun-09
25-Jun-09
25-Jun-09
30-Jun-09
30-Jun-09
30-Jun-09
30-Jun-09
30-Jun-09
30-Jun-09
30-Jun-09
30-Jun-09
10-Jul-09
10-Jul-09
10-Jul-09
10-Jul-09
20-Jul-09
20-Jul-09
20-Jul-09
21-Jul-09
21-Jul-09
21-Jul-09
21-Jul-09
21-Jul-09
21-Jul-09
22-Jul-09
22-Jul-09
22-Jul-09
22-Jul-09
Deposited with
Syndicate Bank
Syndicate Bank
Vijaya Bank
Vijaya Bank
Vijaya Bank
Indian Bank
Indian Bank
Indian Bank
Vijaya Bank
Vijaya Bank
Indian Bank
Indian Bank
Indian Bank
Indian Bank
Indian Bank
Vijaya Bank
Vijaya Bank
Vijaya Bank
Andhra Bank
Andhra Bank
Vijaya Bank
Vijaya Bank
Canara Bank
Canara Bank
Canara Bank
Andhra Bank
Andhra Bank
Syndicate Bank
Syndicate Bank
Andhra Bank
Andhra Bank
State Bank of Bikaner & Jaipur
State Bank of Bikaner & Jaipur
30114050023376/4
30114050023376/2
400303311000516
400303311000517
400303311000518
841653952
841654275
841653849
400303311000521
400303311000520
842465094
842465049
842465016
842464975
842464567
400303311000524
400303311000525
400303311000526
412269
213990
400303311000581
400303311000582
1787401002245/20
1787401002245/21
1787401002245/22
349228
214010
30831816486
30831815982
30114050023376/5
30114050023376/6
70495
214014
61075106370
61075106472
FDR No
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
Amount
of Deposit
7.50%
7.50%
7.50%
7.50%
7.50%
7.50%
7.50%
7.50%
7.50%
7.50%
7.50%
7.50%
7.50%
7.50%
7.50%
7.50%
7.50%
7.50%
7.25%
7.25%
7.25%
7.25%
7.00%
7.00%
7.00%
7.25%
7.25%
7.00%
7.00%
7.00%
7.00%
7.25%
7.25%
7.25%
7.25%
% of interest
2-Jun-10
2-Jun-10
19-Jun-10
19-Jun-10
19-Jun-10
25-Jun-10
25-Jun-10
25-Jun-10
25-6-2010
25-6-2010
30-Jun-10
30-Jun-10
30-Jun-10
30-Jun-10
30-Jun-10
30-Jun-10
30-Jun-10
30-Jun-10
10-Jul-10
10-Jul-10
10-Jul-10
10-Jul-10
20-Jul-10
20-Jul-10
20-Jul-10
21-Jul-10
21-Jul-10
21-Jul-10
21-Jul-10
21-Jul-10
21-Jul-10
22-Jul-10
22-Jul-10
22-Jul-10
23-Jul-10
Maturity Date
366
366
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
366
Days to
Maturity
304
304
286
286
286
280
280
280
280
280
275
275
275
275
275
275
275
275
265
265
265
265
255
255
255
254
254
254
254
254
254
253
253
253
253
578276
578276
543967
543967
543967
532555
532555
532555
532555
532555
523045
523045
523045
523045
523045
523045
523045
523045
486769
486769
486769
486769
451826
451826
451826
466563
466563
450054
450054
450054
450054
464726
464726
464726
464785
Interest accrued
but not due
Contd. ANNEXURE-II
No of days
till 31-3-2010
232
Start Date
22-Jul-09
22-Jul-09
22-Jul-09
10-Aug-09
10-Aug-09
10-Aug-09
10-Aug-09
19-Aug-09
19-Aug-09
20-Aug-09
25-Aug-09
25-Aug-09
25-Aug-09
1-Sep-09
1-Sep-09
1-Sep-09
1-Sep-09
8-Sep-09
8-Sep-09
24-Sep-09
24-Sep-09
24-Sep-09
29-Sep-09
29-Sep-09
29-Sep-09
1-Oct-09
1-Oct-09
3-Oct-09
6-Oct-09
6-Oct-09
6-Oct-09
6-Oct-09
6-Oct-09
6-Oct-09
Deposited with
State Bank of Bikaner

& Jaipur
Vijaya Bank
Vijaya Bank
Canara Bank
State Bank of Hyderabad
Andhra Bank
Canara Bank
Andhra Bank
Syndicate Bank
Syndicate Bank
Andhra Bank
Syndicate Bank
Syndicate Bank
Syndicate Bank
Indian Bank
Syndicate Bank
Canara Bank
Syndicate Bank
Andhra Bank
Syndicate Bank
Syndicate Bank
Syndicate Bank
Syndicate Bank
Syndicate Bank
Andhra Bank
Andhra Bank
Andhra Bank
Canara Bank
Canara Bank
Syndicate Bank
61075106563
400303311000606
400303311000607
1787401002245/23
62103332019
62103331852
62103331945
052220100040883
62104272807
3003401000154/1
052220100041402
30114050023376/7
30114050023376/8
052220100041989
30114050023376/11
30114050023376/9
30114050023376/10
200653
30114050023376/12
1787401002245/24
62108354016
30114050023376/13
052220100043969
30754050005221/3
30754050005221/4
30044050017969/39
30754050005221/5
30044050017969/40
0151120100008957
052220100044612
0134020100015832
1787401002245/26
1787401002245/25
30114580000048/5
FDR No
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9900000
9500000
9100000
9000000
9000000
9000000
9000000
9000000
36000000
Amount
of Deposit
7.25%
7.25%
7.25%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
6.00%
% of interest
24-Jul-10
22-Jul-10
23-Jul-10
10-Aug-10
10-Aug-10
10-Aug-10
10-Aug-10
19-Aug-10
19-Aug-10
20-Aug-10
25-Aug-10
25-Aug-10
25-Aug-10
1-Sep-10
1-Sep-10
1-Sep-10
1-Sep-10
8-Sep-10
8-Sep-10
24-Sep-10
24-Sep-10
24-Sep-10
29-Sep-10
29-Sep-10
29-Sep-10
1-Oct-10
1-Oct-10
3-Oct-10
6-Oct-10
6-Oct-10
6-Oct-10
6-Oct-10
6-Oct-10
6-Oct-10
Maturity Date
367
365
366
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
Days to
Maturity
253
253
253
234
234
234
234
225
225
224
219
219
219
212
212
212
212
205
205
189
189
189
184
184
184
182
182
180
177
177
177
177
177
177
464842
464726
464785
414617
414617
414617
414617
398670
398670
396898
388039
388039
388039
375636
375636
375636
375636
363232
363232
334883
334883
334883
326023
326023
326023
354728
340395
322480
313620
313620
313620
313620
313620
1071256
Interest accrued
but not due
Contd. ANNEXURE-II
No of days
till 31-3-2010
233
Start Date
6-Oct-09
6-Oct-09
6-Oct-09
6-Oct-09
14-Oct-09
29-Oct-09
29-Oct-09
9-Nov-09
9-Nov-09
19-Nov-09
19-Nov-09
19-Nov-09
19-Nov-09
19-Nov-09
20-Nov-09
2-Dec-09
10-Dec-09
10-Dec-09
11-Dec-09
15-Dec-09
15-Dec-09
15-Dec-09
15-Dec-09
15-Dec-09
15-Dec-09
15-Dec-09
15-Dec-09
15-Dec-09
15-Dec-09
16-Dec-09
16-Dec-09
16-Dec-09
16-Dec-09
16-Dec-09
16-Dec-09
Deposited with
Indian Overseas Bank

Syndicate Bank
Andhra Bank
Vijaya Bank
Indian Bank
Andhra Bank
Syndicate Bank
HDFC Bank
HDFC Bank
HDFC Bank
Indian Bank
Indian Bank
Indian Bank
Syndicate Bank
Andhra Bank
Andhra Bank
Andhra Bank
Andhra Bank
Andhra Bank
672802/510901250
672803/510901251
672801/510901252
672/805/510901253
30114580000048/4
52220100046364
406803311000335
860145110001070
348531
52220100048113
30114580000048/8
5214540000022
5214540000049
5214540000032
348563
200950
200981
30114580000048/7
860145110001102
860145110001108
860145110001109
62117331509
30992850126
30992849961
30992849790
30992849575
30992849451
30992849235
30992850308
110320100012330
52220100050066
134020100018361
53320100013737
151120100010059
860145110001111
FDR No
9000000
9000000
9000000
9000000
36000000
9000000
9000000
40000000
40000000
27000000
26000000
9000000
9000000
9000000
25000000
30000000
20000000
20000000
40000000
60000000
9500000
20000000
9000000
9000000
9000000
9000000
9000000
9000000
6000000
9500000
9500000
9500000
9500000
9500000
9500000
Amount
of Deposit
7.00%
7.00%
7.00%
7.00%
6.00%
7.00%
7.00%
6.00%
6.00%
5.75%
5.50%
6.00%
6.00%
6.00%
6.00%
5.50%
5.50%
5.50%
6.00%
6.00%
6.50%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.50%
6.50%
6.50%
6.50%
6.50%
6.50%
% of interest
6-Oct-10
6-Oct-10
6-Oct-10
6-Oct-10
14-Oct-10
29-Oct-10
29-Oct-10
9-Nov-10
9-Nov-10
19-Nov-10
19-Nov-10
20-Nov-10
22-Nov-10
21-Nov-10
20-Nov-10
2-Dec-10
10-Dec-10
11-Dec-10
11-Dec-10
15-Dec-10
15-Dec-10
15-Dec-10
15-Dec-10
15-Dec-10
15-Dec-10
15-Dec-10
15-Dec-10
15-Dec-10
15-Dec-10
16-Dec-10
16-Dec-10
16-Dec-10
16-Dec-10
16-Dec-10
16-Dec-10
Maturity Date
365
365
365
365
365
365
365
365
365
365
365
366
368
367
365
365
365
366
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
Days to
Maturity
177
177
177
177
169
154
154
143
143
133
133
133
133
133
132
120
112
112
111
107
107
107
107
107
107
107
107
107
107
106
106
106
106
106
106
313621
313621
313621
313621
1022838
272867
272867
961642
961642
578021
531914
201259
201300
201280
554794
553757
344560
344592
746450
1079326
185481
359775
161899
161899
161899
161899
161899
161899
107933
183747
183747
183747
183747
183747
183747
Interest accrued
but not due
Contd. ANNEXURE-II
No of days
till 31-3-2010
234
Start Date
16-Dec-09
21-Dec-09
21-Dec-09
21-Dec-09
21-Dec-09
21-Dec-09
21-Dec-09
21-Dec-09
21-Dec-09
21-Dec-09
21-Dec-09
22-Dec-09
22-Dec-09
22-Dec-09
22-Dec-09
22-Dec-09
22-Dec-09
22-Dec-09
22-Dec-09
22-Dec-09
22-Dec-09
23-Dec-09
23-Dec-09
23-Dec-09
23-Dec-09
23-Dec-09
23-Dec-09
23-Dec-09
23-Dec-09
23-Dec-09
23-Dec-09
24-Dec-09
24-Dec-09
26-Dec-09
26-Dec-09
Deposited with

Punjab National Bank
Andhra Bank
Andhra Bank
Karur Vysya Bank
Lakshmi Vilas Bank
Andhra Bank
Andhra Bank
Andhra Bank
Canara Bank
Canara Bank
Syndicate Bank
Syndicate Bank
Andhra Bank
Andhra Bank
860145110001112
860145110001115
860145110001116
423900GR00000021
423900GR00000049
30997798624
30997798410
30997798158
30997797993
30997797802
30997797529
50520100014879
52226100050464
860145110001118
1410501000073622/1
30999833737
30999834481
30999834196
30999833953
30999834356
297121000021038/1
52220100050525
134020100018565
151120100010129
860145110001123
860145110001122
1787401002245/28
1787401002245/27
62118203189
30044050017969/41
30114050023376/22
52220100050613
860145110001124
52220100050853
860145110001125
FDR No
9500000
100000000
50000000
50000000
30000000
5000000
9000000
9000000
9000000
9000000
9000000
30000000
20000000
50000000
30000000
4000000
9000000
9000000
9000000
9000000
40000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
40000000
80000000
50000000
100000000
Amount
of Deposit
6.50%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.60%
6.00%
6.00%
6.00%
6.00%
6.00%
6.75%
6.50%
6.50%
6.50%
6.50%
6.50%
6.25%
6.25%
6.50%
6.25%
6.25%
6.00%
6.00%
6.00%
6.00%
% of interest
16-Dec-10
21-Dec-10
21-Dec-10
21-Dec-10
21-Dec-10
21-Dec-10
21-Dec-10
21-Dec-10
21-Dec-10
21-Dec-10
21-Dec-10
22-Dec-10
22-Dec-10
22-Dec-10
22-Dec-10
22-Dec-10
22-Dec-10
22-Dec-10
22-Dec-10
22-Dec-10
22-Dec-10
23-Dec-10
23-Dec-10
23-Dec-10
23-Dec-10
23-Dec-10
23-Dec-10
23-Dec-10
23-Dec-10
23-Dec-10
23-Dec-10
24-Dec-10
24-Dec-10
26-Dec-10
26-Dec-10
Maturity Date
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
Days to
Maturity
106
101
101
101
101
101
101
101
101
101
101
100
100
100
100
100
100
100
100
100
100
99
99
99
99
99
99
99
99
99
99
98
98
96
96
183747
1698005
849003
849003
509402
84900
152820
152820
152820
152820
152820
504358
336239
840597
556040
67248
151307
151307
151307
151307
758662
162581
162581
162581
162581
162581
156182
156182
162581
156182
156182
659028
1318055
806973
1613945
Interest accrued
but not due
Contd. ANNEXURE-II
No of days
till 31-3-2010
235
Start Date
29-Dec-09
29-Dec-09
29-Dec-09
29-Dec-09
29-Dec-09
29-Dec-09
29-Dec-09
29-Dec-09
29-Dec-09
29-Dec-09
29-Dec-09
29-Dec-09
29-Dec-09
30-Dec-09
30-Dec-09
30-Dec-09
30-Dec-09
30-Dec-09
30-Dec-09
30-Dec-09
30-Dec-09
30-Dec-09
30-Dec-09
30-Dec-09
30-Dec-09
30-Dec-09
30-Dec-09
30-Dec-09
30-Dec-09
30-Dec-09
31-Dec-09
31-Dec-09
31-Dec-09
31-Dec-09
31-Dec-09
Deposited with
Andhra Bank
Andhra Bank
Andhra Bank
IDBI Bank
IDBI Bank
IDBI Bank
IDBI Bank
IDBI Bank
Uco Bank
Andhra Bank
Andhra Bank
Andhra Bank
Andhra Bank
Andhra Bank
Andhra Bank
Andhra Bank
Andhra Bank
Andhra Bank
128220100014356
50520100015072
52220100050862
860145110001129
860145110001128
133106400003599
133106400003605
133106400003612
133106400003629
133106400003636
423900GR00000067
62118539039
167922
52220100050905
134020100018741
123120100002704
50520100015142
860145110001131
31008096895
31008097254
3108096454
31008097436
31008095767
31008097877
31008097684
31008097991
31008105835
31008136342
31011624063
31011623592
151220100018097
151220100018060
5220100050978
50520100015151
39720100013676
FDR No
10000000
60000000
70000000
20000000
280000000
10000000
10000000
10000000
10000000
10000000
50000000
50000000
50000000
100000000
20000000
20000000
20000000
100000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
8000000
9000000
2000000
40000000
40000000
20000000
70000000
20000000
Amount
of Deposit
6.00%
6.00%
6.00%
6.00%
6.00%
6.50%
6.50%
6.50%
6.50%
6.50%
6.00%
6.00%
6
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
% of interest
29-Dec-10
29-Dec-10
29-Dec-10
29-Dec-10
29-Dec-10
29-Dec-10
29-Dec-10
29-Dec-10
29-Dec-10
29-Dec-10
29-Dec-10
29-Dec-10
29-Dec-10
30-Dec-10
30-Dec-10
30-Dec-10
30-Dec-10
30-Dec-10
30-Dec-10
30-Dec-10
30-Dec-10
30-Dec-10
30-Dec-10
30-Dec-10
30-Dec-10
30-Dec-10
30-Dec-10
30-Dec-10
30-Dec-10
30-Dec-10
31-Dec-10
31-Dec-10
31-Dec-10
31-Dec-10
31-Dec-10
Maturity Date
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
Days to
Maturity
93
93
93
93
93
93
93
93
93
93
93
93
93
92
92
92
92
92
92
92
92
92
92
92
92
92
92
92
92
92
91
91
91
91
91
156351
938106
1094457
312702
4377827
169697
169697
169697
169697
169697
781755
781755
781755
1546698
309340
309340
309340
1546698
139203
139203
139203
139203
139203
139203
139203
139203
139203
123736
139203
30934
611954
611954
305977
1070920
305977
Interest accrued
but not due
Contd. ANNEXURE-II
No of days
till 31-3-2010
236
Start Date
31-Dec-09
31-Dec-09
31-Dec-09
31-Dec-09
31-Dec-09
31-Dec-09
31-Dec-09
31-Dec-09
31-Dec-09
31-Dec-09
31-Dec-09
31-Dec-09
31-Dec-09
31-Dec-09
31-Dec-09
31-Dec-09
31-Dec-09
31-Dec-09
31-Dec-09
31-Dec-09
31-Dec-09
31-Dec-09
2-Jan-10
2-Jan-10
2-Jan-10
2-Jan-10
2-Jan-10
2-Jan-10
4-Jan-10
4-Jan-10
4-Jan-10
4-Jan-10
4-Jan-10
4-Jan-10
4-Jan-10
Deposited with
Andhra Bank
Bank of Baroda
IDBI Bank
IDBI Bank
IDBI Bank
IDBI Bank
Indian Bank
Indian Bank
Indian Bank
Indian Bank
Indian Bank
Indian Bank
Karur Vysya Bank
Union Bank of India
Uco Bank
Canara Bank
Canara Bank
Canara Bank
Indian Bank
Indian Bank
Indian Bank
Andhra Bank
Andhra Bank
Andhra Bank
Andhra Bank
Andhra Bank
151220100018051
006551
860145110001134
133106400003674
133106400003667
133106400003650
133106400003643
971118
198187
348648
348647
971002
971003
1410501000073622/2
31008033459
31008034077
31008033936
31008033798
31008033595
31008021976
561697
167923
1787401002245/31
1787401002245/29
1787401002245/32
198206
198207
198208
53320100014453
52220100051418
50520100015249
151120100010235
134020100018875
860145110001142
860145110001140
FDR No
40000000
60000000
50000000
10000000
10000000
10000000
10000000
9500000
9500000
9500000
9500000
9500000
9500000
60000000
5000000
9000000
9000000
9000000
9000000
9000000
150000000
30000000
9500000
9500000
9500000
9500000
9500000
9500000
9500000
9500000
9500000
9500000
9500000
9500000
9500000
Amount
of Deposit
6.00%
6.00%
6.00%
6.50%
6.50%
6.50%
6.50%
6.25%
6.25%
6.25%
6.25%
6.25%
6.25%
6.85%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.25%
6.00%
6.25%
6.25%
6.25%
6.25%
6.25%
6.25%
6.50%
6.50%
6.50%
6.50%
6.50%
6.50%
6.50%
% of interest
31-Dec-10
31-Dec-10
31-Dec-10
31-Dec-10
31-Dec-10
31-Dec-10
31-Dec-10
31-Dec-10
3-Jan-11
31-Dec-10
31-Dec-10
31-Dec-10
31-Dec-10
31-Dec-10
31-Dec-10
31-Dec-10
31-Dec-10
31-Dec-10
31-Dec-10
31-Dec-10
31-Dec-10
31-Dec-10
2-Jan-11
4-Jan-11
3-Jan-11
2-Jan-11
5-Jan-11
8-Jan-11
4-Jan-11
4-Jan-11
4-Jan-11
4-Jan-11
4-Jan-11
4-Jan-11
4-Jan-11
Maturity Date
365
365
365
365
365
365
365
365
368
365
365
365
365
365
365
365
365
365
365
365
365
365
365
367
366
365
368
371
365
365
365
365
365
365
365
Days to
Maturity
91
91
91
91
91
91
91
91
91
91
91
91
91
91
91
91
91
91
91
91
91
91
89
89
89
89
89
89
87
87
87
87
87
87
87
611954
917931
764943
166048
166048
166048
166048
151537
151585
151537
151537
151537
151537
1051308
76494
137690
137690
137690
137690
137690
2337329
458966
148206
148238
148222
148206
148254
148300
150812
150812
150812
150812
150812
150812
150812
Interest accrued
but not due
Contd. ANNEXURE-II
No of days
till 31-3-2010
237
Start Date
4-Jan-10
4-Jan-10
4-Jan-10
15-Jan-10
15-Jan-10
15-Jan-10
15-Jan-10
15-Jan-10
5-Feb-10
5-Feb-10
2-Mar-10
2-Mar-10
5-Mar-10
5-Mar-10
5-Mar-10
15-Mar-10
15-Mar-10
15-Mar-10
15-Mar-10
30-Mar-10
30-Mar-10
30-Mar-10
30-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
Deposited with

Indian Bank
Indian Bank
Indian Bank
Indian Bank
Indian Bank
Oriental Bank of Commerce
Indian Bank
Indian Bank
Indian Bank
Union Bank of India
Central bank of India
Andhra Bank
Andhra Bank
Canara Bank
Canara Bank
Indian Bank
Indian Bank
Indian Bank
Indian Bank
Andhra Bank
Andhra Bank
Andhra Bank
Andhra Bank
Andhra Bank
Andhra Bank
IDBI Bank
IDBI Bank
IDBI Bank
IDBI Bank
IDBI Bank
IDBI Bank
IDBI Bank
IDBI Bank
860145110001141
860145110001143
860145110001144
198255
198254
198253
971156
971157
860145110001162
01293031007349
971246
971247
971252
607802
55843
50520100019315
50520100019324
468680
468681
971310
971311
971316
971317
52220100057494
434020100021523
123120100003174
50520100020047
18420100002616
107020100009789
860156110000110
133106400005005
133106400004992
133106400004985
133106400004978
133106400004961
133106400004954
133106400004947
133106400004930
FDR No
9500000
9500000
9500000
9000000
9000000
9000000
9000000
9000000
20000000
20000000
9000000
9000000
20000000
20000000
20000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
220000000
50000000
20000000
60000000
10000000
20000000
300000000
10000000
10000000
10000000
10000000
10000000
10000000
10000000
10000000
Amount
of Deposit
6.50%
6.50%
6.50%
6.25%
6.25%
6.25%
6.25%
6.25%
6.00%
6.00%
6.75%
6.75%
6.00%
6.00%
6.00%
6.50%
6.50%
6.50%
6.50%
6.75%
6.75%
6.75%
6.75%
6.80%
6.80%
6.80%
6.80%
6.80%
6.80%
6.75%
6.75%
6.75%
6.75%
6.75%
6.75%
6.75%
6.75%
6.75%
% of interest
4-Jan-11
4-Jan-11
4-Jan-11
21-Jan-11
18-Jan-11
15-Jan-11
15-Jan-11
15-Jan-11
5-Feb-11
5-Feb-11
2-Mar-11
2-Mar-11
5-Mar-11
5-Mar-11
5-Mar-11
15-Mar-11
15-Mar-11
15-Mar-11
15-Mar-11
30-Mar-11
30-Mar-11
30-Mar-11
30-Mar-11
31-Mar-11
31-Mar-11
31-Mar-11
31-Mar-11
31-Mar-11
31-Mar-11
31-May-11
31-Jul-11
31-Jul-11
31-Jul-11
30-Jun-11
30-Jun-11
30-Jun-11
31-May-11
31-May-11
Maturity Date
365
365
365
371
368
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
426
487
487
487
456
456
456
426
426
Days to
Maturity
87
87
87
76
76
76
76
76
55
55
30
30
27
27
27
17
17
17
17
2
2
2
2
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
150812
150812
150812
119973
119936
119897
119897
119897
184931
184931
51210
51210
90784
90784
90784
27918
27918
27918
27918
3414
3414
3414
3414
42043
8406
3822
11466
1911
3822
57246
1920
1920
1920
1914
1914
1914
1908
1908
Interest accrued
but not due
Contd. ANNEXURE-II
No of days
till 31-3-2010
238
Start Date
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
31-Mar-10
Deposited with
IDBI Bank
IDBI Bank
IDBI Bank
IDBI Bank
IDBI Bank
IDBI Bank
IDBI Bank
Indian Bank
Indian Bank
Indian Bank
Indian Bank
Indian Bank
Indian Bank
Indian Bank
Indian Bank
Syndicate Bank
Union Bank of India
Union Bank of India
Lakshmi Vilas Bank
133106400004923
133106400004916
133106400004909
133106400004893
133106400004886
133106400004879
133106400004862
348779
348775
348776
348777
348778
348780
971372
971371
1410557000000048/1
01293031007493
11113031010125
10813031024597
62128041872
62132616701
62132620581
62132620717
62132620795
62132620988
62132621030
62132621063
62132621121
62132621176
62132621201
62132621223
31122782513
30044580000010/2
921582
921583
0297121000022112/1
Total
FDR No
10000000
10000000
10000000
10000000
10000000
10000000
10000000
9000000
9000000
9000000
9000000
9000000
5000000
20000000
30000000
100000000
40000000
50000000
20000000
100000000
9500000
9500000
9500000
9500000
9500000
9500000
9500000
9500000
9500000
9500000
5000000
100000000
100000000
10000000
30000000
60000000
6222900000
Amount
of Deposit
6.75%
6.75%
6.75%
6.75%
6.75%
6.75%
6.75%
6.75%
6.75%
6.75%
6.75%
6.75%
6.75%
6.00%
6.00%
7.35%
6.50%
6.50%
6.50%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
6.00%
6.00%
6.00%
6.00%
7.50%
% of interest
31-May-11
2-May-11
2-May-11
2-May-11
4-Apr-11
4-Apr-11
4-Apr-11
30-Apr-11
10-Apr-11
15-Apr-11
20-Apr-11
25-Apr-11
15-May-11
31-Mar-11
31-Mar-11
30-Apr-11
31-Mar-11
31-Mar-11
31-Mar-11
31-May-11
31-Mar-11
31-Mar-11
31-Mar-11
31-Mar-11
31-Mar-11
31-Mar-11
31-Mar-11
31-Mar-11
31-Mar-11
31-Mar-11
31-Mar-11
31-Mar-11
31-Mar-11
31-Mar-11
31-Mar-11
31-Mar-11
Maturity Date
426
397
397
397
369
369
369
395
375
380
385
390
410
365
365
395
365
365
365
426
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
Days to
Maturity
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1908
1903
1903
1903
1898
1898
1898
1713
1709
1710
1711
1712
782
3362
5044
20772
7299
9124
3649
19812
1870
1870
1870
1870
1870
1870
1870
1870
1870
1870
984
16812
16812
1681
5044
12680
117902040
Interest accrued
but not due
Contd. ANNEXURE-II
No of days
till 31-3-2010
239

ANNEXURE III

Attached to and forming part of Balance Sheet as at 31st March, 2010
CURRENT ASSETS, LOANS AND ADVANCES
PARTICULARS
Figures for the

Current Year
(2009-10)
`
DEPOSITS
House Lease Advance
Security Deposits - Telephone
Security Deposits - Electricity
Security Deposits - Fuel
Security Deposits - Rent
TOTAL
LOANS & ADVANCES TO STAFF
Housing Loan to Staff
Loans to Staff for other purposes
Other - Advances - Festival
Interest Recoverable
Advance Others
Advance - Soft Furnishing
TOTAL
AMOUNTS DUE FROM INSURANCE COMPANIES & OTHERS
Insurance Companies [Indicates the amount due from State Insurance Companies]
Agents - [Indicates the amount of expired cheques in hand received from agents earlier]
TOTAL
Other Current Assets
Prepaid Expenses
Interest Accrued but not due - Bank Deposits
Amount recoverable- others
Advances on Capital Account - [For software development]
Advance to Institute of Insurance and Risk Management
Advance to PFRDA
Other -Advance for Travel
TOTAL
CASH AND BANK BALANCES
Cash in hand
Cheques in hand
Cash/ Cheque in transit
Balances with Scheduled Banks
(a) In Current Account
(b) In Deposit Account
(c) In Savings Bank Account
TOTAL
Balance with Non Scheduled Bank
(a) In Current Account
(b) In Deposit Account
TOTAL
66,674
350,375
7,650
1,008,900
1,433,599
47,825
68,663
282,099
7,650
314,300
720,537
42,561,444
9,108,965
557,568
7,642,795
3,636,387
232,100
63,739,259
41,607,168
7,605,368
485,787
5,092,307
350,000
55,140,630
69,100
37,400
106,500
117,902,040
657,738
204,120
24,215,293
405,117
143,384,308
1,672,460
124,000,652
525,308
204,120
25,888,906
1,681,305
207,435
154,180,186
52,622
63,723
-
34,702,549
21,987
34,724,536
6,546,312
23,237
6,569,550
(N Srinivasa Rao)
(G.Prabhakara)
(R.Kannan)
FA & CAO
Member
Member
(K.K.Srinivasan)
(R.K Nair)
(J Hari Narayan)
Member
Member
Chairman
240
Figures for the

Previous Year
(2008-09)
`

ANNEXURE IV

Attached to and forming part of Balance Sheet as on 31st March, 2010
PARTICULARS
Figures for the

Current Year
(2009-10)
`
Figures for the

Previous Year
(2008-09)
`
Grant from Government of India
Total
(N Srinivasa Rao)
(G.Prabhakara)
(R.Kannan)
FA & CAO
Member
Member
(K.K.Srinivasan)
(R.K Nair)
(J Hari Narayan)
Member
Member
Chairman
ANNEXURE - V

Attached to and forming part of Balance-Sheet as on 31st March, 2010
CONTINGENT LIABILITIES
PARTICULARS
Figures for the

Current Year
(2009-10)
`
Figures for the

Previous Year
(2008-09)
`
(N Srinivasa Rao)
(G.Prabhakara)
(R.Kannan)
FA & CAO
Member
Member
(K.K.Srinivasan)
(R.K Nair)
(J Hari Narayan)
Member
Member
Chairman
241

ANNEXURE VI

Attached to and forming part of Income and Expenditure Account for the year ended 31st March, 2010
PAYMENTS TO AND PROVISIONS FOR EMPLOYEES
PARTICULARS
Figures for the

Current Year
(2009-10)
`
i)
Salaries, Allowances, Wages and Bonus
ii)
Figures for the

Previous Year
(2008-09)
`
76,043,374
56,400,308
Contribution to Provident Fund, etc

[including contribution to superannuation fund.]
7,546,796
15,140,822
iii)
Gratuity
1,727,637
1,311,781
iv)
Staff Welfare Expenses
1,030,305
844,523
v)
Others
-Book Grant
-Leave Travel Concession
-Insurance
-Canteen Expenses
-Monetary Award - Studies
-Contribution to Group Insurance Scheme
-Reimbursement of expenses incurred by Staff
-Leave Salary
54,010
1,734,115
176,552
6,700,487
3,654,485
9,292
877,422
1,113,019
5,900,881
1,579,143
98,667,761
83,177,191
TOTAL
(N Srinivasa Rao)
(G.Prabhakara)
(R.Kannan)
FA & CAO
Member
Member
(K.K.Srinivasan)
(R.K Nair)
(J Hari Narayan)
Member
Member
Chairman
242

ANNEXURE VII

Attached to and forming part of Income and Expenditure Account for the year ended 31st March, 2010
ESTABLISHMENT EXPENSES
PARTICULARS
Figures for the

Current Year
(2009-10)
`
Figures for the

Previous Year
(2008-09)
`
Repairs & Maintenance of Buildings & Premises

House Keeping - Office Maintenance
Repairs & Maintenance of Equipments
Repairs and Maintenance - Others
Electricity & Water Expenses
Insurance Expenses
Rates and Taxes
Printing and Stationery
Books/Journals etc.
Postage, Telegraphs, Telephones, etc.
Travelling and Conveyance Inland
Travel - Foreign
Legal and Professional charges
Education/Training/R&D/Grievances Redressal Expenses
Audit Fees
Software
Publicity & Advertisement
Recruitment
Expenses of Meetings of Authority & Advisory Committee
& Others meeting expenses including daily allowances
paid to the members of the Committee
Membership and Subscription
Security Services
Web Portal Development Expenses
Canteen Expenses
Car Repair and Maintenance Expenses
Other Expenses
1,397,111
2,779,731
918,621
2,030,700
184,280
2,049,629
57,878
6,633,694
19,344,859
11,694,304
7,959,351
248,532
186,399
5,496,003
1,260,472
862,393
1,530,274
99,968
1,734,923
46,691
3,942,770
18,982,234
14,811,718
11,434,143
392,410
285,000
-
1,154,875
689,838
3,528,475
150,364
484,032
1,660,124
1,553,269
714,097
2,036,025
111,004
149,679
TOTAL
61,492,673
67,103,197
(N Srinivasa Rao)
(G.Prabhakara)
(R.Kannan)
FA & CAO
Member
Member
(K.K.Srinivasan)
(R.K Nair)
(J Hari Narayan)
Member
Member
Chairman
243

ANNEXURE VIII

Attached to and forming part of Income and Expenditure Account
for the year ended 31st March, 2010
INTEREST
PARTICULARS
Figures for the

Current Year
(2009-10)
`
Figures for the

Previous Year
(2008-09)
`
Government
Banks
Others
Total
(N Srinivasa Rao)
(G.Prabhakara)
(R.Kannan)
FA & CAO
Member
Member
(K.K.Srinivasan)
(R.K Nair)
(J Hari Narayan)
Member
Member
Chairman
244

Annexure-IX
THE INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY

NOTES TO THE ANNUAL STATEMENT OF ACCOUNTS for the year 2009-10
[Unless otherwise specified, all amounts are in Rupees]
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, 2000.
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 pro-rata
to the period of use on reducing balance method using rates determined based on the rates specified in Schedule
XIV to the Companies Act, 1956. Assets costing less than `5,000 have been depreciated 100 per cent in the
year of purchase unless the assets constitutes more than 10 per cent of the respective block, in which case the
asset is depreciated at the rates specified in the said Schedule XIV.
(b)
Investments
Investments 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.
245

(ii)
License Fee
License 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.
(iii)
Grant from Ministry of Finance, Government of India
Initial Grant received has been treated as income of the year in which it is received.
(d)
Foreign currency transactions

Non-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)
Retirement benefits
Retirement 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 based on Actuarial Valuation 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.
(f)
Non-interest bearing loan/advance to IIRM and APIIC

The Authority as on 31.3.2010 had given interest free Loans/advances amounting to `242.16 Lakh to Institute of
Insurance and Risk Management (IIRM) for development of insurance education in India and `200 Lakh to
Andhra Pradesh Industrial Infrastructure Corporation (APIIC) for construction of its office building.
(g)
The opening Balance with Bank of India (A/c no. CD 1938 & A/c no. CD-119) has been netted off.
3.
INCOME-TAX
No income tax provision has been made in view of income of the Authority being exempt under section 10
(23BBE) of the Income-tax Act, 1961.
4.
REGISTRATION / RENEWAL FEES
(a)
In pursuance of Authoritys decision to scale down the levy of renewal fees for registration on the insurers to 0.1
per cent of the gross premium from 0.2 per cent 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.
246

5.
DEPOSIT OF FUNDS OF THE AUTHORITY INTO PUBLIC ACCOUNT OF INDIA

The Authority, in the previous years received a letter from Ministry of Finance, Department of Economic Affairs
dated 17th July, 2002, 9th July, 2005, 18th July & 13th September, 2006 and 28th 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 AUTHORITY

The 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 2005. 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 Andhra Pradesh Industrial Infrastructure Corporation Limited [APIIC]
had allotted a plot of five acres land at a nominal amount of `10000 in the financial district at Nanakramguda
Village, Serilingampally Mandal, RR District, Hyderabad, for construction of the Head Quarters of the Authority.
The title of the said land was transferred in the month of October, 2008.
7.
OPERATING LEASES
There are no non-cancelable lease arrangements. The lease payments in respect of premises are recognized in
the income and expenditure account.
8.
PRIOR YEAR COMPARATIVES

Current year figures have been regrouped as advised by CAG in the previous year audit and wherever considered
necessary to make them comparable with the previous years figures.
(N. Srinivasa Rao)

FA & CAO
(G Prabhakara)
Member
(R. Kannan)
Member
( K K Srinivasan)
Member
(R.K. Nair)
Member
(J. Hari Narayan)

Chairman
247
dm{fH$ [anmoQ>
2009-10
dm{fH$ [anmoQ>
ANNUAL REPORT
2009-10

^maV
INDIA
{Xr H$m`mb`:
JoQ> Z. 3, W_ Vb, OrdZ Vmam,
ggX _mJ, ZB {Xr-110 001.
\$moZ: +91-11-23747648
\$g: +91-11-23747650
YmZ H$m`mb`:
Vrgam Vb, n[al_ ^dZ,
~era~mJ, hXam~mX-500 004.
\$moZ: +91-40-23381100 / 1300
\$g: +91-40-6682 3334
Head Office
3rd Floor, Parisrama Bhavan
Basheerbagh, Hyderabad 500 004
Phone : +91-40-2338 1100 / 1300
Fax : +91-40-6682 3334
Delhi Office
Gate No. 3, 1st Floor, Jeevan Tara,
Parliament Street, New Delhi 110 001
Phone : +91-11-2374 7648
Fax : +91-11-2374 7650
Website/do~gmBQ>: www.irda.gov.in
E-mail/B-_ob: irda@irda.gov.in
i
dm{fH$ [anmoQ>
2009-10

INSURANCE REGULATORY AND
DEVELOPMENT AUTHORITY
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Vrgam Vb, OrdZXrn {~pS>J,
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Zd~a 24, 2010
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m$n _| ôO aho h &
^dXr`,
(Oo h[a ZmamÙ)

LETTER OF TRANSMITTAL
To
The Secretary,
Department of Financial Services
Ministry of Finance
3rd Floor, Jeevan Deep Building
Parliament Street
New Delhi 110 001
November 24, 2010
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 31st March, 2010 in the
format prescribed in the IRDA (Annual Report Furnishing of returns, statements and other particulars) Rules, 2000,
notified on 14th June, 2000 in Part II of Section 3, Sub Section (ii) of the Gazette of India, Extraordinary.
Yours faithfully,
(J. HARI NARAYAN)

n[al_ ^dZ, Vrgam Vb, ~era~mJ, hXam~mX-500 004. ^maV
: +91-40-6682 0957, \$g: 91-40-6682 3334
B-_ob : chairman@irda.gov.in do~: www.irda.gov.in
Parishram Bhavan, 3rd Floor, Basheer Bagh, Hyderabad-500 004. INDIA.

Ph. : +91-40-6682 0957, Fax: 91-40-6682 3334
E-mail : chairman@irda.gov.in Web.: www.irda.gov.in
ii
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AmVH$dmXr Omo{I_ ~r_m Ho$ {bò r{_`_ H$s Xa (1 Ab 2010)
AmVH$dmX Omo{I_ ~r_m Ho$ {bE {_S> Q>_ H$da (1 Ab 2009)
_mb n[adhZ H$aZo dmbo dmhZm| Ho$ {dH$mg H$s {H$`m
`mr n[adhZ H$aZo dmbo dmhZm| Ho$ {dH$mg H$s {H$`m
~r_m jo mam {H$`m J`m {d{Zdoe (31 _mM 2010 VH$)
OrdZ ~r_m jo mam {H$`m J`m {d{Zdoe: {Z`_mZwgma (31 _mM 2010 VH$)
OrdZ ~r_m jo mam {H$`m J`m {d{Zdoe: {Z{Y AZwgma (31 _mM 2010 VH$)
{d[Zdoe H$m {dH$mg : {Z{Y AZwgma (31 _mM 2010 VH$)
JaOrdZ ~r_m jo mam {H$`m J`m {d{Zdoe: {Z{Y AZwgma (31 _mM 2010 VH$)
d` ~r_m r{_`_ - 2005-2010
Q>rnrEo bmBg|g H$m ZdrZrH$aU 2009-10
Q>rnrEo gaMZm (2009-10)
VVr` nj emgH$ - Xmdm AmH$S>o
gy_ ~r_m nmoQ>\$mo{b`m| Ho$ VhV df 2009-10 Ho$ {bò Z`m `mnma
OrdZ ~r_m H$n{Z`m| Ho$ gy_ ~r_m A{^H$Vm
gy_ ~r_m nmoQ>\$mo{b`mo-2009-10 Ho$ AVJV gm_y{hH$ _`w Xmdo
gy_ ~r_m nmoQ>\$mo{b`mo-2009-10 `{$`m| H$s _` H$m Xmdm
gy_ ~r_m `{$JV loUr-2009-10 _| _`w Ho$ Xmdm| H$m g_` AZwgma {ZQ>mam
AdYr AZwgma gy_ ~r_m _| _`w Xmdm| H$m {ZQ>mam - Jwn dJ 2009-10
OrdZ ~r_m go OwS>o `{$JV A{^H$VmAm| H$m {ddaU
OrdZ ~r_m go OwS>o {ZJ{_V A{^H$VmAm| H$m {ddaU
OrdZ ~r_mH$VmAm| mam d`{$H$ loUr _| Zò `dmgm`m| _o {H$`m J`m XeZ lIbm~
OrdZ ~r_mH$VmAm| mam `{$JV Ed g_yh loUr _| Zò `dgm`m| _| {H$`m J`m XeZ lIbm~ 2009-10
OrdZ ~r_mH$VmAm| mam `{$JV Ed g_yh loUr _| Zò `dgm`m| _| {H$`m J`m nXeZ lIbm~ 2009-10
gd}jH$ Ama hm{Z {ZYmaH$ H$mo Omar {H$ò AZwkm{`m| H$s g`m
gd}jH$ Ama hm{Z {ZYmaH$ go g~{YV {eH$m`Vo
Xmà {H$ò Jò _m_bm| H$m {ddaU
`m{MH$m Xmà H$aZm Ama _m_bm| H$m hb H$aZm
AmBEAmBEg H$s g{_{V`m d Cn g{_{V`m
{eH$m`Vm| H$s pW{V - OrdZ ~r_mH$Vm
{eH$m`V H$mo> _| XO {eH$m`Vm| H$m dJuH$aU
{eH$m`Vm| H$s pW{V - OrdZ ~r_m (Ab-OyZ 2010)
{eH$m`Vm| H$s pW{V - Ja OrdZ ~r_mH$Vm - 2009-10 _|
{eH$m`Vm| H$s pW{V - Ja OrdZ ~r_mH$Vm (Ab go OyZ 2010 VH$)
2009-10 df _| bmoH$nmb mam \$gbm {H$ JB {eH$m`Vm| H$m {ddaU
01-04-2009 go boH$a 31-03-2010 VH$ {d{^ ~r_mH$VmAm| na bmJò Jò AWXS>
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dm{fH$ [anmoQ>
2009-10
{ddaUm| H$s gyMr

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~r_m doe H$s AVamo>r` VwbZm

~r_m YZd H$s Aam>r` VwbZm
W_ df OrdZ ~r_m {_`_
Hw$b OrdZ ~r_m r{_`_
OrdZ ~r_mH$VmAm| H$m `{$JV Z`m `mnma {ZnmXZ - MZb Ho$ AZwgma
OrdZ ~r_mH$VmAm| H$m Z`m `mnma {ZnmXZ - MZb Ho$ AZwgma
am`mZwgma `{$JV Z`m `mnma boImH$Z
`{$JV `mnma (^maV _|) - Mmby `mnma - nmbr{g`m| H$s g`m
`{$JV `mnma (^maV _|) - Mmby `mnma - ~r_m am{e
OrdZ ~r_mH$mVAm| H$m qbS> d ZmZ qbH$S> r{_`_
OrdZ ~r_mH$mVAm| H$m qbS> d ZmZ qbH$S> H$_reZ
`{$JV _`w Xmdo
Jwn _`w Xmdo
g_`mZwgma _`w Xmdm| H$m {ZQ>mam - `{$JV loUr
g_`mZwgma _`w Xmdm| H$m {ZQ>mam - Jwn loUr
OrdZ ~r_mH$VmAm| Ho$ ~YZ Ho$ AVJV gn{m`m
OrdZ ~r_mH$VmAm| H$s B{${Q> eoà nyOr
OrdZ ~r_mH$VmAm| H$m F$U emoYZ j_Vm AZwnmV
OrdZ ~r_mH$Vm - nm{bgrYmaH$ ImVm
OrdZ ~r_mH$Vm - AeYmar ImVm
OrdZ ~r_mH$Vm - VwbZ n
EbAmBgr - nm{bgrYmaH$ ImVm (Ja-^mJrXmar)
EbAmBgr - AeYmar ImVm (Ja-^mJrXmar)
EbAmBgr - VwbZ n(Ja-^mJrXmar)
`{$JV `mnma - ZmZ-qbH$S> `mnma Ho$ gX^ _| g_nhaU/`{$JV nm{b{g`m
OrdZ ~r_mH$VmAm| Ho$ `{$JV A{^H$VmAm| Ho$ {ddaU
OrdZ ~r_mH$VmAm| Ho$ {ZJ{_V A{^H$VmAm| Ho$ {ddaU
OrdZ ~r_mH$VmAm| Ho$ am`mZwgma {dVaU H$m`mb`
OrdZ ~r_mH$VmAm| Ho$ jomZwgma {dVaU H$m`mb`
`{$JV A{^H$VmAm| H$m am`mZwgma {dVaU
gy_ ~r_m g{d^mJ Ho$ AVJV Z`m `mnma
gy_ ~r_m g{d^mJ Ho$ AVJV _`w Xmdo - `{$JV loUr
gy_ ~r_m g{d^mJ Ho$ AVJV _`w Xmdo - Jwn loUr
gy_ ~r_m Xmdm| Ho$ AVJV Ad{Y AZwgma ^wJVmZ - `{$JV loUr
gy_ ~r_m Xmdm| Ho$ AVJV Ad{Y AZwgma ^wJVmZ - Jwn loUr
H$nZr Ho$ AZwgma gy_ ~r_m A{^H$VmAm| H$s g`m
OrdZ ~r_mH$VmAm| Ho$ gy_ ~r_m CnmXm| H$s gyMr
gH$b `j r{_`_: Ja OrdZ ~r_m (^maV VWm ^maV Ho$ ~hma)
{d^mOZ AZwgma Ja OrdZ ~r_mH$VmAm| H$s gH$b `j r{_`_ Am` (^maV _|)
{d^mOZ AZwgma ew r{_`_ Am` (A{OV)
Ja OrdZ ~r_mH$mVAm| H$s MZb AZwgma gH$b `j r{_`_ Am`
am`mZwgma gH$b ` r{_`_ Am`
Ja OrdZ ~r_mH$VmAm| Ho$ ew {VYmaU
`` {H$`m hAm Xmdm AZwnmX - gmdO{ZH$ jo Ja OrdZ ~r_mH$Vm
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dm{fH$ [anmoQ>
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2009-10
`` {H$`m hAm Xmdm AZwnmV - {Z{O jo Ja OrdZ ~r_mH$Vm

..
~r_m boIZ AZw^d Ed gmdO{ZH$ jo H$s H$n{Z`m| H$m bm^
..
~r_m boIZ AZw^ Ed {ZOr jo H$s H$n{Z`mo H$m bm^
..
Ja OrdZ ~r_mH$VmAm| Ho$ ~YZ Ho$ AYrZ gn{m`m
..
Ja OrdZ ~r_mH$VmAm| H$s B{${Q>
..
^maV _| Ja OrdZ ~r_mH$VmAm| H$m emoYZ AZwnmV
..
gmdO{ZH$ jo Ho$ Ja OrdZ ~r_mH$Vm - nm{bgrYmaH$ boIm
..
AeYmaH$ ImVm : gmdO{ZH$ jo Ho$ Ja OrdZ ~r_mH$Vm
..
VwbZ-n: gmdO{ZH$ jo Ho$ Ja OrdZ ~r_mH$Vm
..
{ZOr jo Ho$ Ja OrdZ ~r_mH$Vm - nm{bgrYmaH$ boIm
..
AeYmaH$ ImVm: {ZOr jo Ho$ Ja OrdZ ~r_mH$Vm
..
VwbZ-n: {ZOr jo Ho$Ja OrdZ ~r_mH$Vm
..
dm` ~r_mH$Vm - nm{bgrYmaH$ ImVm
..
dm` ~r_mH$Vm - AeYmaH$ ImVm
..
dm` ~r_mH$Vm - VwbZ n:
..
^maVr` {Z`mV F$U JmaQ>r {ZJ_ {b{_Q>oS> - nm{bgrYmaH$ ImVm
..
^maVr` {Z`mV F$U JmaQ>r {ZJ_ {b{_Q>oS> - AeYmaH$ ImVm
..
^maVr` {Z`mV F$U JmaQ>r {ZJ_ {b{_Q>oS> - VwbZ-n
..
^maVr` H${f ~r_m H$nZr - nm{bgrYmaH$ ImVm
..
^maVr` H${f ~r_m H$nZr - AeYmaH$ ImVm
..
^maVr` H${f ~r_m H$nZr - VwbZ - n
..
^maVr` gmYmaU ~r_m {ZJ_ - nm{bgrYmaH$ ImVm
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^maVr` gmYmaU ~r_m {ZJ_ - AeYmaH$ ImVm
..
^maVr` gmYmaU ~r_m {ZJ_ - VwbZ - n
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Ja OrdZ ~r_mH$VmAm| Ho$ am`mZwgma H$m`mb`
..
Vrgam nj emgH$ - Xmdm| H$m S>mQ>m: 2009-10
..
{eH$m`Vo: OrdZ ~r_m -2009-10
..
{eH$m`Vm| H$s pW{V-OrdZ ~r_mH$Vm (Ab-OyZ 2010)
..
{eH$m`Vo - Ja OrdZ ~r_mH$Vm-2009-10
..
{eH$m`Vm| H$s pW{V-Ja OrdZ ~r_mH$Vm (Ab-OyZ 2010)
..
{d{^ Ho$m| na ~r_m bmoH$nmb H$m H$m` Va 31 _mM 2010 H$s g_m{ VH$ {eH$m`V H$m {ZQ>mam - (OrdZ ~r_m) ..
{d{^ Ho$m| na ~r_m bmoH$nmb H$m H$m` Va 31 _mM 2010 H$s g_m{ VH$ {eH$m`V H$m {ZQ>mam (Ja OrdZ ~r_m) ..
{d{^ Ho$m| na ~r_m bmoH$nmb H$m H$m` Va 31 _mM 2010 H$s g_m{ VH$ {eH$m`V H$m {ZQ>mam
..
(OrdZ ~r_m Ed Ja OrdZ ~r_m g`w$)
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gbH$mo H$s gyMr

1.
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^maV _| H$m_ H$aZo dmbr ~r_m H$n{Z`m

~r_mH$VmAm| d {d{^ _`Vm| Ho$ {bò ewH$ T>mMm
(E) ^maVr` OrdZ ~r_m {ZJ_ Ho$ {Z{V OrdZ _ _`w Xa - EbAmBgr 94-96 A{V_
(~r) ^maVr` OrdZ ~r_m {ZJ_ Ho$ dm{fH$ J{h`m| _| _`w Xa {dm df 2009-10 _| {ZH$mbo Jò OrdZ ~r_m CnmX
{dm df 2009-10 _| {ZH$mbo Jò Ja OrdZ ~r_m CnmX (Ja-ewH$)
OrAmBgr mam m {H$ò Jò A{Zdm` goeZ
nOrH$V Xbmb (am` Ho$ AmYma na)
Ab 2009 go m{YH$aU mam Omar {H$ò Jò n[an/AmXoe/A{YgyMZmE|
..
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9.
AmBAmaS>rE A{Y{Z`_, 1999 Ho$ AYrZ ~Zmò Jò {d{Z`_Z
...
217
10.
df 31 _mM 2010 H$s g_m{ Ho$ {bò ImVm| H$m dm{fH$ {ddaU
..
219
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viii
dm{fH$ [anmoQ>
2009-10
b` H$WZ
nm{bgrYmaH$m| Ho$ {hVm| H$s ajm H$aZm Ed CZHo$ {V {Znj `dhma gw{ZpMV H$aZm;
Am_ AmX_r Ho$ bm^ d AW`dWm Ho$ daUerb {dH$mg Ho$ {bò XrYH$m{bH$ {Z{Y`m| H$mo CnbY H$admZo hoVw ~r_m CmoJ _| Vrd
d H$_~ d{ bmZm (dm{fH$ d godm-{Zd{m ^wJVZm| g{hV);
{OZH$m dh {d{Z`_Z H$aVm h CZ_| AIS>Vm Ho$ C Va {ZYm[aV H$aZm, Ch| mogm{hV H$aZm,CZH$s {ZJamZr H$aZm, {d{m`
_O~yVr, {Znj `dhma VWm gm_` H$s nw{> H$aZm;
dmV{dH$ Xmdm| H$m erKVm go {ZQ>mam gw{ZpMV H$aZm, ~r_m YmoIm| d A` Hw$WmAm| go ~Mmd VWm ^mdH$mar {eH$m`V-{ZdmaU
V Wm{nV H$aZm;
CZ g^r {d{m` ~Omam| _| Omo ~r_m H$m H$amo~ma H$aVo h {ZnjVm, nmaX{eVm d gw`dpWV gMmbZ H$m gdYZ H$aZm VWm ~mOma Ho$
`dgm{``m| _| CVar` {d{m` _O~yVr Ho$ dVZ Ho$ {bò EH$ {dgZr` ~YZ gyMZm Umbr H$m {Z_mU H$aZm;
Ohm Bg H$ma Ho$ _mZ An`m h AWdm A^mdr n go ~m` {H$ò hE h, dhm H$m`dmhr H$aZm;
{ddoH$nyU {d{Z`_Z H$s Amd`$mZwgma CmoJ Ho$ X{ZH$ {H$`mH$bmnm| _| AZwHy$bV_ _mm _| d-{d{Z`_Z gnm{XV H$aZm &
ix
dm{fH$ [anmoQ>
2009-10
AmBAmaS>rE H$m Xb
Oo. h[a ZmamÙ

A`j
gX`
Ho$ Ho$ lr{ZdmgZ
gr Ama _wabrYaZ
(3 Zd~a 2009 VH$)
Or ^mH$am
S>m Ama H$Z
Ama.Ho$. Zmà
(18 _mM 2010 go)
dm{fH$ [anmoQ>
2009-10
Ae H$m{bH$ gX`
{dO` _hmOZ
A_aOrV MmonS>m
(6 \$adar 2010 go)
Bbm Ama ^>
Eb.E_. dmg
(5 AQw>~a 2009 go)
amhb IwbS>
Cm_ H$me AJdmb
(4 A>Qw>~a 2009 go)
(5 \$adar 2010 go)
xi
dm{fH$ [anmoQ>
2009-10
~moY MXa
E {J[aYa
H$m`H$mar {ZXoeH$ (Ja-OrdZ)
H$m`H$mar {ZXoeH$ (emgZ)
Ho$ gw~h_`_
S>m S>r dr Eg emr
H$m`H$mar {ZXoeH$ ({~_mH$Z)
_hm {ZXoeH$ (emoY Ed {dH$mg)
Hw$ob o_
EZ. lr{Zdmg amd
gr Eg Amo (OrdZ)
E\$E Ed grEAmo
xii
dm{fH$ [anmoQ>
2009-10
g`w$ {ZXoeH$
gwaoe _mWwa
S>m. __Vm gyar
_wHo$e e_m
Eg.EZ. O`qgZ
aUXrn qgh OJnmb
Oo. _rZm Hw$_mar
`{`m âV
xiii
E Ama {Z`mZX_
dm{fH$ [anmoQ>
2009-10
H$_Mmar H$m Zm_
nX
boIm {d^mJ
_hoe AJdmb
nr. _Ow_Xma
`m_ gwXa _whmHw$S>
gJrVm Ho$ E
d[a> ghm`H$ {ZXoeH$

H${Z> A{YH$mar
H${Z> A{YH$mar
H${Z> A{YH$mar
{~_mH$Z {d^mJ
Eg nr MH$~moVu
Oo A{ZVm
nr.Ho$. _Vr
Eo.dr. amd
Eg. H$m{VHo$` e_m
E_~rdrEZ _w{V
S>rEZHo$EbEZHo$ MH$dVu
b_r Ama. {nB
~r. gmo_oda amd
E am_m gwYra
A{_V lrdmVd
eaV Mm
gwOmo` gmhm
Cn {ZXoeH$
Cn {ZXoeH$
Cn {ZXoeH$
Cn {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
H${Z> A{YH$mar
H${Z> A{YH$mar (nr.E)
H${Z> A{YH$mar (nr.E )
ghm`H$
ghm`H$
ghm`H$
emg{ZH$ {d^mJ
_wHo$e e_m
~r amKdZ
S>r lr{Zdmg _w{V
Ama. gJrVm
{ed gmX òXXw
dr dr EZ {H$aZHw$_ma e_m
B{Xn emh
AZwamJ ~mOnoB
~rEM gw`ZmamÙ emr
g`w$ {ZXoeH$
d[a> ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$ (A`j Ho$ {ZOr g{Md)
H${Z> A{YH$mar (H$m`H$mar {ZXoeH$-emgZ Ho$ {ZOr ghm`H$)
ghm`H$
ghm`H$
ghm`H$
ghm`H$
ghm`H$ (nwVH$mb`)
`{`m âV
Eo H$UU
Q>r. d|H$Q>dam amd
Ho$. lr{Zdmg
_ZmoO Hw$_ma Amgrdmb
ZraO _Zr {nmUr
{dZ` Hw$_ma _mVJr
Xmo_bm aOZrH$mV
Cn^mo$m _m_bo {d^mJ

g`w$ {ZXoeH$
Cn {ZXoeH$
Cn {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$
ghm`H$
ghm`H$
Eg.EZ. O`qgZ
S>m. __Vm gyar
amOHw$_ma e_m
Ama Hw$_ma
~r nOm
Ama C_m _hodar
Ho$. AmZX amd
S>m. a{dXa H$ma
_moh_X A`mO
E Ho$ed amd
amHo$e gamoX`
a{dm Xmg
~mom ~mbH$Um
Xm{gH$m Eg _wabr _mohZ
{dm Ed {Zdoe {d^mJ

g`w$ {ZXoeH$
g`w$ {ZXoeH$
Cn {ZXoeH$
Cn {ZXoeH$
d[a> ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
H${Z> A{YH$mar(gX`-{dm Ed {Zdoe Ho$ {ZOr ghm`H$)
ghm`H$
ghm`H$
ghm`H$
ghm`H$
xiv
dm{fH$ [anmoQ>
2009-10
dm` {d^mJ
Oo. _rZm Hw$_ma
Ho$OrnrEb a_mXodr
{Zb_Xm~ ~oham
emXwb gwaoe AX_mZo
{Z{_fm lrdmVd
E Ama {Z`mZX_
XrnH$ Im
XrnH$ Hw$_ma Jm`H$dmS>
gO` Hw$_ma d_m
Zao qgh
E_ Eg O`m Hw$_ma
gyOZ B{Q>`ma
E_. _YwgwXZ
Ho$EbEZ amKd Hw$_ma
g`w$ {ZXoeH$
Cn {ZXoeH$
Cn {ZXoeH$
d[a> ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
gyMZm Ed mmo{JH$s {d^mJ
g`w$ {ZXoeH$
d[a> ghm`H$ {ZXoeH$
d[a> ghm`H$ {ZXoeH$
d[a> ghm`H$ {ZXoeH$
ghm`H$
~r_m gyMZm {d^mJ
Cn {ZXoeH$
d[a> ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$
{ZarjU {d^mJ
gwaoe _mWwa
Q>r Eg Zm`H$
Or Ama gw`Hw$_ma
gwaoe Zmà
Ama. nmXm gmaYr
A{Zb Hw$_ma WmQ>rnr
Amerf Hw$_ma ^maVr
^mH$a nr H$S>H$^mdr
g`w$ {ZXoeH$
Cn {ZXoeH$
Cn {ZXoeH$
d[a> ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
_`dVu {d^mJ
gwaoe _mWwa
gOrd Hw$_ma OZ
Ho$. _hrnmb ao>r
gwYm am_mZwO_
`mo{V ^JV
_mVJr g[aVm
S>r. kmZm gwm
ZrVw emhXmXnwar
amOoda JmJwbm
VmVr {H$aU
JS>r d|H$Q>m a_Um
_wHo$e Hw$_ma
nr. H$mVrlr
g`w$ {ZXoeH$
Cn {ZXoeH$
Cn {ZXoeH$
Cn {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$
ghm`H$
H$mZyZ Ed Ama.Q>r.AmB {d^mJ
ghm`H$ {ZXoeH$
H${Z> A{YH$mar
OrdZ {d^mJ
S>r dr Eg a_oe
gwXrm ^>mMm`
Ama b{bVm Hw$_mar
Ho$. lrYa amd
EM ~m~w `moJre
dr {Mm
~r AUm
Cn {ZXoeH$
Cn {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
H${Z> A{YH$mar (nr.E. - grEgAmo)
Ja OrdZ {d^mJ
aUXrn qgh OJnmb

{ejm gmhm
g`w$ {ZXoeH$
ghm`H$ {ZXoeH$
xv
dm{fH$ [anmoQ>
2009-10
H$_b Mmbm
Ho$. lrYa
gO` _mohZ em_
{dH$mg OZ
grEM ~r MeoIa amd
~r Eg d|H$Q>oe
E_ Eb gmO`m
AmH$me S>Jdma
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
H${Z> A{YH$mar, nrE - BS>r (Ja OrdZ)
H${Z A{YH$mar, nrE - gX` (Ja OrdZ)
ghm`H$
amO^mfm {d^mJ
H$_b Mmbm
_wer E_ {ZOm_wrZ
{bmoH$s ZmW
A_ra hgZ
BpV`mH$ Amb_
ghm`H$ {ZXoeH$ d amO ^mfm H$m`m. A{YH$mar

AZwgYmZ Ed {dH$mg {d^mJ
ghm`H$ {ZXoeH$
ghm`H$
ghm`H$
ghm`H$
gVH$Vm {d^mJ
_wHo$e e_m
gVH$Vm A{YH$mar
{Xr H$m`mb`
amHo$e Ho$ ~OmO

A{Zb Hw$_ma AamoS>m
_Ow AamoS>m
h[a
ewenmb
eernmb
Cn {ZXoeH$
Cn {ZXoeH$
ghm`H$ {ZXoeH$
H${Z> A{YH$mar
[aH$mS> bmH$
[aH$mS> bmH$
EM AmZX H$UZ
Or. ~~rVm am`Sw>
S>m. Ama.Ho$. {ghm
dr. gmB Hw$_ma
Eg.dr. hoJS>o
Ama. lr{ZdmgZ
{dH$mg Hw$_ma
XodoXa Hw$_ma
{dH$mg Eg. amZo
amOoe
d lr{Zdmg
dr gdm}m_wSw>
dr g` lr{Zdmg
~r dr emr
Ho$. am_~m~w
~r.dr. gy`ZmamÙm
dr Eg Zaom Mm
MeoIa ~r
{V{Z`w$ na A{YH$mar
AmoEgS>r-Ja OrdZ
AmoEgS>r-H$mZyZr
AmoEgS>r-Ama.Ed.S>r
AmoEgS>r-OrdZ
AmoEgS>r-OrdZ
AmoEgS>r-JmhH$ _m_bo
AmoEgS>r-AmB AmB ~r
AmoEgS>r-AmB AmB ~r
AmoEgS>r-AmB AmB ~r
AmoEgS>r-{ZarjU
AmoEgS>r-{ZarjU
AmoEgS>r-{ZarjU
AmoEgS>r-{ZarjU
AmoEgS>r-{ZarjU
AmoEgS>r-Ja OrdZ
AmoEgS>r-AmaQ>rAmB
H${Z> A{YH$mar (nr.Eg. - A`j)
nr.Eg-gX` (OrdZ)
AZw~Y
`y. Odmhabmb
An MQ>Ou
ZXZ Hw$_ma
gnmXH$, AmBAmaS>rE OZb

AmBAmaS>rE H$s {V{Z`w$ na A` gJR>Zm| Ho$ A{YH$mar
g`w$ {ZXoeH$
ghm`H$ {ZXoeH$
xvi
dm{fH$ [anmoQ>
2009-10
heefjMe
4. efJeeere yee]peej ves 2009-10 kes oewjeve DeefmJekejlee kes mebkesle efoes
efpemekee eYeeJe Jewefeke yee]peej hej osKee ieee~ neueeBefke es ye{leer ieefleefJeefOeeeW
kes mebkesle nQ~ efJekeeme kes Deieues ejCe leke DeLe&JeJemLee ceW les]peer megefveefele
kejvee yengle cenlJehetCe& nw~ yeee mevlegueve efmLeefle ceW megOeej ngDee nw efpemekee
mekeejelceke eYeeJe 2009-10 kes oewjeve efveee&le SJeb hetBpeer DevleJee&n oesveeW ceW
osKeves kees efceuee nw~ Fmemes efJeeere mebke kes cesve]pej osKeer ieeer efiejeJe ceW
Devegketue yeoueeJe heefjueef#ele neslee nw~ eeefhe Je<e& kes DeejbYe ceW keg Je=nle
Deee|Leke efevleeSB jneR uesefkeve 2009-10 kes oewjeve ngF& mecee ieefleefJeefOeeeB
mekeejelceke jner nQ~
Yeejleere DeLe&JeJemLee:
1. Yeejleere DeLe&JeJemLee ves 2008-09 kes 6.7 eefleMele efJekeeme keer leguevee
ceW 2009-10 ceW 7.4 eefleMele keer oj mes Meeveoej efJekeeme oj ope& keer nw~
en GheueefyOe efJeeere Je<e& kes GejeOe& ceW Jeeheke mlej hej ngS megOeej keer
he=Yetefce ceW neefmeue ngF& nw~ Yeejleere efJeeere eCeeueer ceW Jeeheke efmLejlee kee
mekeejelceke eYeeJe JeeJemeeefeke DeelceefJeeeme hej efvejblej he[lee jne~ neueeBefke,
eEelee kee ecegKe keejCe cegemHeerefleke hejefmLeefleeeB jneR, efpeveceW 2009-10 ceW
Deewj efJeMes<e he mes Je<e& kes GejeOe& ceW cenlJehetCe& yeoueeJe Deeee~ Keee heoeLeeX
keer keerceleeW ceW ngS DeejbefYeke Geue kes keejCe 2009-10 kes Deble ceW cegemHeerefle
11 eefleMele leke ye{ ieF&~ 2009-10 keer Debeflece efleceener kes oewjeve en osKee
ieee efke efvepeer efveJesMe keer ceeBie ceW mekeejelceke efJekeeme ngDee Deewj 2010-11
keer eLece efleceener ceW en ceeBie Keeme-leewj mes yengle Deer jner~ eeefhe etjes #es$e
ceW jepekeere $e+Ce keer efmLeefle mes Glhevve mebke Deewj Gmemes Jewefeke megOeej keer
efmLejlee kes mebYeeefJele eYeeJe kes mebyebOe ceW keg efevlee jner hej efJekeeme keer
mecee ieefleefJeefOe mekeejelceke jneR~
Jewefeke Deee|Leke JeeleeJejCe:

5. Devleje&êre cegekees<e eje ekeeefMele efjhees& kes De]vegmeej Jewefeke efJeeere
eCeeueer DeYeer Yeer keeHeer Deefveefelelee kes oewj mes ieg]pej jner nw~ en ieeflejesOe
eeuet Je<e& 2010 keer otmejer efleceener ceW etjeshe kes $e+Ce yee]peejeW ceW ngF& GLeuehegLeue kes keejCe Glhevve ngDee nw pees Ske yeej efHej efJeeere mebke keer he= Yetefce
ceW jepekeere leguevee he$eeW Deewj yeQke keer Deefle mebJesoveMeeruelee kees pevce os jne
nw~ etjesheere DeLe&JeJemLeeSB, pees henues ner efveOeerkejCe oyeeJeeW kes heefjCeece mJehe
jepekeere $e+Ce mebYejCelee egveewefleeeW kee meecevee kej egkeer nQ, Ske yeej efHej
letHeeve ceW efIej ieeer nQ~
2. mekeue Iejsueg Glheeo ceW JeemleefJeke efJekeeme 2008-09 ceW 6.7 eefleMele
mes ye{ kej 2009-10 ceW 7.4 nes ieee~ neueeBefke en 2003-08 kes oewjeve
Jewefeke mebkehetJe& kes efJekeeme ejCe kes 8.9 eefleMele mes kece jne uesefkeve
Fmekes Deewj ye{ves keer mebYeeJevee kes mhe mebkesle efceues nQ~ Deeweesefieke SJeb mesJee
#es$e ceW ngS mJemLe yeoueeJe kee efJekeeme ceW eesieoeve jne nw efpemekes keejCe
DeHeee&Hle oef#eCe-Heefece ceevemetve kee eYeeJe kece nes ieee~mebhetCe& efJekeeme ceW
Deeweesefieke #es$e kes eesieoeve ceW 2009-10 (2008-09 ceW 9.5 eefleMele) kes
oewjeve 28 eefleMele keer leerJe Je=ef ngF& peyeefke mesJee #es$e ceW efJekeeme 2009-10
ceW (2008-09 ceW 9.5 eefleMele) Ie kej 8.3 eefleMele jn ieee~ ceevemetve ceW
keceer kes eYeeJe kes yeeJepeto mekeue Iejsuet efJekeeme ceW ke=ef<e SJeb mebyeb ieefleefJeefOeeeW
kee eesieoeve ueieYeie 14.6 eefleMele jne~ Fme #es$e kes eoMe&ve kee cetueeW keer
efmLejlee hej cenlJehetCe& eYeeJe jne~
yeQeEkeie #es$e hej Fmekes eYeeJe kes heefjCeece mJehe $e+Ce eJeen ceW keYeer ngF& nw~
neueeBefke Devleje&êre mlej hej efJeefveeceve SJeb veerefleiele mlej hej DevegefeeeDeeW
mes efmLeefle efveev$eCe ceW nw Deewj efveOeerkejCe yee]peejeW ceW efmLejlee DeeF& nw Deewj Kelejs
kece ngS nQ hej neueele DeYeer Yeer vee]pegke nQ~ DeLe&-JeJemLeeDeeW kees DeYeer Yeer,
ceboer ceW Dehesef#ele mlej mes Yeer Oeerces megOeej, Gelej $e+Ce mlejeW Je $e+CeeW kes
mLeeveevlejCeeW Deewj Deye leke #eefleemle efJeeere #es$e mes Glhevve egveewefleeeW kee
nue {tb{ves keer DeeJeMekelee nw~
6. Deee|Leke JeeleeJejCe ceW nesles eefceke megOeej kes meeLe efkees iees Devegceeve kes
Devegmeej Jewefeke Glheeove ceW efJemleej ngDee nw~ GYejles yee]peej osMeeW ceW ngS
efJekeeme mes Fmekees meneje efceuee nw pees Keeme leewj mes cepeyetle jne nw~ en Yeer
osKee ieee nw efke DeLe&JeJemLeeSB GvnW eehle DemLeeeer meceLe&ve mes DeefOeke mJeheesef<ele
efvepeer ceeBie keer Deesj Deemej nQ~ neueeBefke efevleeSB yeQeEkeie #es$e ceW hewle=ke mebheefle
keer mecemeeDeeW mes efveheves keer nQ, Keeme leewj mes efpevekee mebyebOe Hegve HetBpeerkejCe;
jepekeere leguevehe$eeW kes meg{erkejCe Deewj efJeefveeeceke megOeejeW kes meg{erkejCe
mes nw~ meceeve He mes DeleefOeke KelejeW kee helee ueieeves Deewj Kelejs G"eves kes
eefle eewkemeer eCeeefueeeW keer DeeJeMekelee nw~
3. 2009-10 kes oewjeve yengle efJeeere ieefleefJeefOeeeW ves DeLe&JeJemLee kees ueeeruee
Deewj ceboer mes les]peer mes Gyejves eesie yeveeee nw~ DeLe&JeJemLee Deewj cepeyetle
yevekej GYejer nw Deewj ke=ef<e Glheeove ceW Deeeer efiejeJe kes Deeweesefieke Deewj
mesJee #es$eeW kes efJekeeme hej he[s eYeeJe kes yeeJepeto Gmekes cenlJe kees FmeefueS
Deeflejbefpele veneR efkeee pee mekelee keeeWefke Jen cegemHeerefleke eke=efleeeW kees
eYeeefJele kejlee nw Deewj eeceerCe pevemebKee keer peerefJekee kee cegKe DeeOeej nw~
dm{fH$ [anmoQ>
7. meceehe mes Decesefjkee ceW efJeeere efmLejlee ceW megOeej ngDee nw neueeBefke yeQeEkeie
eCeeueer ceW DeYeer Yeer keg #es$eeW ceW oes<ehetCe&lee efJeeceeve nw~ yeQke, hetBpeer efvecee&Ce
kej jns nQ Deewj Dehesef#ele ceeBie kees hetje kejvee mebYeJe ngDee nw~ peejer efJeefveeeceke
megOeejeW kes Devegheeueve keer mebYeeJevee Deewj neueeBkeer kece]peesj kejves Jeeueer eJe=efeeeW
kees Gueves kes efueS Deefleefjkele hetBpeer keer DeeJeMekelee he[ mekeleer nw~ efJeeere
mebke kes heefjCeecemJehe Glhevve KelejeW kees efvepeer mes meeJe&peefveke legueve-he$eeW
ceW mLeeveebleefjle efkeee pee jne nw~ FmeefueS veerefle efvecee&leeDeeW kees meeJe&peefveke
mebmLeeveeW hej he[s Yeej kes keejCe Glhevve mecemeeDeeW mes efveheves keer DeeJeMekelee
nw~ peeheeve ceW mejkeejer yeeC[ yee]peej ceW Ske DeJeefOe leke efJeso kee peejer
jnvee mebYeJe veneR nw~ efmLej Iejsuet yeele DeeOeej Deewj mJemLe eeuet Keelee DeefOeMes<e
yeee efveefOekejCe eesleeW kees Deekee|<ele kejves keer ]pejleeW kees kece kejlee nw~
efHej Yeer Deye leke pees keejke peeheeveer yeeC[ yee]peej kees meneje osles jns nQ,
Ge efvepeer yeeleeW, mLeeveere hetJee&eneW, Deewj esve efveeefcele heefjmebheefeeeW kes
efJekeuheeW keer keceer keer Jepen mes meceehle nes mekeles nQ keeeWefke Gce ojepe ueesieeW
keer leeoeo ye{ jner nw Deewj keece kejves JeeueeW keer mebKee Ie jner nQ~
2009-10
Jewefeke efJeeere eCeeueer keer DemeHeueleeDeeW kes keejCeeW kee keeHeer no leke helee
ueieeee pee egkee nw osMeeW kees DeYeer Yeer keF& mecemeeDeeW mes efvehevee nw~ pewmes
meeeDeeW kees DemeHeue yeveeves Jeeueer DeeflecenlJehetCe& mecemeeDeeW mes efvehevee
hee&Jes#eCeere eeslmeenveeW Deewj mebmeeOeveeW kee meg{erkejCe Deewj Je=nled efJeJeskeer
{eBes kee efJekeeme kejvee~ es efJeefveeeceke efevleeSB peeoelej yeQeEkeie #es$e
kesefvle nQ, neueeBefke Fvemes Glhevve og<heefjCeeceeW kee Demej efJeeere #es$e kes
Deve KeC[eW kees Yeer Pesuevee he[ mekelee nw~ yeQeEkeie #es$e keer mebmLeeb kees es[
kej efJeeere mebmLeeDeeW keer mecekesefvkelee Deewj eCeeueerye eYeeJeeW kees
meerefcele kejleer ngF& mecemeeDeeW kees meguePeeves ceW Yeer GefiveleeSB nQ~
yeercee yee]peej:
11. hegveyeeacee ecegKe efmJemejs eje ekeeefMele efJee yeercee efjhees& kes De]vegmeej
kewuesC[j Je<e& 2009 kes efueS Jewefeke yeercee eerefceece 4066 efyeefueeve Decesefjkeer
[e@uej Lee pees hetJe&Jeleea kewuesC[j Je<e& 2008 kes oewjeve efjhees& efkees iees 4220
efyeefueeve Decesefjkeer [e@uej mes 1. eefleMele (cegemHeerefle meceeeesefpele) kece Lee~
kegue eerefceece Jemetueer ceW yeercee Jeeheej kee efnmmee 57 eefleMele Lee~ peyeefke
peerJeve yeercee Jeeheej ceW eerefceece kes he ceW 2331 efyeefueeve Decesefjkeer [e@uej
mebeefnle efkees iees peyeefke iewj peerJeve yeercee Jeeheej 1735 efyeefueeve Decesefjkeer
[e@uej kee Lee~ 2009 kes oewjeve Decesefjkee Deewj FbieuewC[ ceW eerefceece mebenCe
ceW efDebkeere efiejeJe keer Jepen mes peerJeve yeercee Jeeheej ceW eerefceece 2 eefleMele
Ie iees~ efHej Yeer 2008 keer leguevee ceW peye peerJeve yeercee eerefceece 5.8
eefleMeLe Ie ieee Lee, kewuesC[j Je<e& 2009 ceW megefYecele ceW megOeej keer Jepen mes
en megOeej ngDee~
8. GYejles yee]peej Jewefeke yee]peejeW kees eYeeefJele kejves Jeeues efJeeere mebke kes
eefle, efJekeefmele yeepeejeW keer leguevee ceW ueeseoej jns~ Fve yee]peejeW kees Devleje&êre
hetBpeer yee]peejeW ceW hengBe kee ueeYe efceuelee jne~ meercee heej kes og<eYeeJeeW kee
Demej etjes #es$e kes cenlJehetCe& Deee|Leke Deewj efJeeere mebhekeeX Jeeues #es$eeW leke ner
meerefcele jne~ Fve yee]peejeW ceW Devegceeefvele mJemLe efJekeeme Meerue eJe=efeeeW Deewj
efJekeefmele osMeeW ceW peejer ceboer kes cesve]pej GYejles yee]peej Jewefeke efveJesMekeeW kes
efueS Deewj DeefOeke Deeke<e&ke yeve iees~ megmJemLe hetBpeer Devlee&Jeen ceW yeoueeJe
keer Jepen mes Fve yeepeejeW ceW DeefmLejlee Dee mekeleer nw efpemekee heefjCeece Fve hegve&
DeeyebveeW keer eehle kelee& DeLe&JeJemLeeDeeW kes efueS efevleepeveke nes mekelee nw~
12. DeeMee nw efke 2010 Je<e& kes oewjeve yeercee Geesie kes mecee eerefceece ceW
kegue Je=ef mekeejelceke jnsieer Deewj ueeYeoselee leLee legueve-he$eeW ceW megOeej peejer
jnsiee~ peerJeve yeercee #es$e ceW efJekeeme keer Jeehemeer kes meeLe 2010 ceW Deer
mebYeeJeveeSB nQ~ efJeeere yee]peejeW ceW Deewj megOeej nesves mes etefve-eEueke GlheeoeW kes
mecee efJekeeme ceW les]peer Dee mekeleer nw efpememes yeerceekelee&DeeW kees Deheves leguevehe$eeW kees meg{ kejves kee DeJemej efceuesiee~
9. Devleje&êre cegekees<e kes mebMeesefOele DevegceeveeW kes Devegmeej 2007 Deewj

2010 kes yeere mebke-emle yeQke DeJeuesKeve efmelecyej 2010 ceW 2.2 efêfueeve
Decesefjkeer [e@uej Les~ Fmekes DeueeJee yeQkeeW ves Gve DeJeuesKeveeW keer heneeve kejves
ceW eieefle keer nw efpeveceW mes leerve eewLeeF& keer henues ner efjhees& kej efoee ieee nw
Deewj Mes<e jeefMe, pees Devegceevele 4 efêfueeve Decesefjkeer [e@uej nw Deieues 24
ceen ceW mLeeveevleefjle keer peeveer nw~
Yeejleere yeercee #es$e:

10. efJeefveeeceke megOeejeW keer meceer#ee mes en mhe ngDee nw efke emleeefJele
efJeeere megOeej keee&ece ceW keeHeer keg DeYeer efkeee peevee Mes<e nw~ peyeefke
13. yeercee #es$e kes Kegueves mes hetJe& Geesie ceW YeeieeroejeW keer mebKee (Yeejleere
peerJeve yeercee efveiece, eej meeJe&peefveke iewj peerJeve yeercee kelee& Deewj meeJe&peefveke
2
dm{fH$ [anmoQ>
2009-10
eJesMe SJeb OevelJe:
hegve&yeerceekelee& kes he ceW pevejue FbMegjsvme keeheexjsMeve meefnle) Leer~ 2000 ceW
48 yeerceekelee&-peerJeve yeercee iewj-peerJeve yeercee, hegve& peerJeve yeercee KeC[ (efJeMes<eerke=le
yeercee kelee&DeeW pewmes-efveee&le $e+Ce ieejber efveiece SJeb ke=ef<e yeercee kebheveer) ceW
heefjeeueve kej jns Les~ leerve iewj peerJeve yeercee kebheefveeeB pewmes mej nwuLe SC[
Sueeevme FvMegDejvme kebheveer, Deheesuees cetefveKe nsuLe FvMegDejvme kebheveer Deewj
cewkeme yethee nsuLe FvMegDejvme kebheveer mJelev$e mJeemLe yeercee kebheefveeeW kes he ceW
kece kej jner nQ~ yeercee #es$e kes Kegueves kes yeeo efpeve 22 FbMegDejvme kebheefveeeW
ves Dehevee heefjeeueve Meg efkeee GveceW 20 kebheefveeeB efJeosMeer YeeieeroejeW kes
meeLe mebegkele he mes keece kej jner nQ~ me$en yeerceekelee&DeeW ceW mes (mJeemLe
yeercee meefnle) efpevneWves iewj peerJeve yeercee Keb[ ceW heefjeeueve Meg efkeee Lee,
meesuen efJeosMeer YeeieeroejeW kes meeLe meneesie kej jner nQ~ efJeosMeer YeeieeroejeW kes
meeLe leerve mJelev$e mJeemLe yeercee kebheefveee mLeeefhele keer ieeer nQ~ Fme ekeej
Deepe keer leejerKe ceW osMe ceW eerme yeercee kebheefveeeB ogefveee Yej keer megmLeeefhele
efJeosMeer yeercee kebheefveeeW kes meneesie mes efvepeer #es$e ceW heefjeeueve kej jner nQ~
16. yeercee #es$e kes keee&efve<heeove Deewj #ecelee kee efJee mlej hej Deebkeueve oes
eeeefuekeleeDeeW, DeLee&le yeercee eJesMe Deewj yeercee OevelJe kes meboYe& ceW efkeee
peelee nw~ yeercee eJesMe kees Je<e& efJeMes<e ceW yeerceeke=le eerefceece SJeb mekeue Iejsuet
Glheeo (peer[erheer) kes De]vegheele mes efveefhele efkeee peelee nw~ yeercee OevelJe kees
Jeie& efJeMes<e ceW yeerceeke=le eerefceece Je kegue pevemebKee kes De]vegheele leguevee ceW
megefJeOee keer ef mes Decesefjkeer [euej ceW cetueebefkele mes efveefhele efkeee peelee nw~
2000 ceW pees yeercee #es$e kees efvepeer #es$e kes efueS Keesuee ieee Lee leye yeercee eJesMe
2.32% (peerJeve 1.77% Deewj iewj peerJeve 0.55%) Lee~ 2009 ceW ye{ kej
en 5.20% (peerJeve : 4.60% Deewj iewj peerJeve 0.60%) nes ieee ~ yeercee
OevelJe 2009 ceW 54.3 Decesefjkeer [e@uej (peerJeve 47.7 Decesefjkeer [e@uej
Deewj iewj peerJeve 6.7 Decesefjkeer [e@uej) Lee peyeefke en 2000 ceW cee$e 9.9
Decesefjkeer [e@uej (peerJeve 7.6 Decesefjkeer [e@uej Deewj iewj peerJeve 2.3Decesefjkeer
[e@uej) Lee~
14. eLece Je<e&-eerefceece pees efke neefmeue efkees iees vees Jeeheej kee hewceevee nw,
2009-10 ceW yeerceekelee&DeeW eje 1,09,894 kejes[ . kee yeercee kejeee
ieee peyeefke 2008-09 ceW en 87,331 kejes[ hese Lee, Fme ekeej 200809 kes 6.81 eefleMele keer vekeejelceke Je=ef keer leguevee ceW 25.84 eefleMele
keer Je=ef ope& keer ieeer~ 2009-10 Je<e& kes oewjeve mebye Deewj iewj-mebye
Jeeheej keer ef ceW eLece Je<e& kes eerefceece kee 54.53 eefleMele meb Keb[ ceW
yeerceeke=le efkeee ieee peyeefke iewj-mebye-KeC[ ceW 45.47 eefleMele yeerceeke=le
efkeee ieee (2008-09 ceW eceMe 51.13 eefleMele Deewj 48.87 eefleMele)
2009-10 ceW peerJeve yeercee #es$e eje yeerceeke=le kegue eerefceece 2008-09 kes
2,21,785 kejes[ . keer leguevee ceW 2,65,450 kejes[ . jne~ Fme ekeej
2008-09 kes 10.15 eefleMele ceW cegkeeyeues 2008-09 ceW 19.69 eefleMele
Je=ef ope& keer ieeer~
met#ce yeercee:
17. efJeeere meceeJesMeer GheeeeW kees eeslmeeefnle kejves kes cegKe GsMeeW ceW mes
Ske meceepe kes efpeve JeieeX kees Deye leke efJeeere mesJeeDeeW mes DeveLee otj jKee
ieee Lee, eeceerCe $e+Ce kes Devlej kees heeves hej Oeeve kesefvle kej yeQeEkeie Deewj
$e+Ce mesJeeSB GheueyOe keje, GvnW Deee|Leke he mes meMekele yeveeee peee~ yeQeEkeie
#es$e, efJeeere meceeJesMe hej eeLeefcekelee kes DeeOeej hej Dehevee Oeeve kesefvle
kej jne nw~ efJeefJeOe KelejeW kes eefle DeeflemebJesove Meeruelee meceepe kes Fve JeieeX
kes cetueYetle ue#eCeeW ceW mes Ske nw~ eeslmeeefnle kejves kes GsMe kees hetje kejvee
mebj#eer lelJeeW kes DeYeeJe keer Jepen mes mebYeJe veneR nw~ keeeWefke Ghekeeefjke
efJeheefeeeW Yeer efmLeefle ceW ueef#eleJeie& hegve iejeryeer kes ebiegue ceW Hebme mekeles nQ~
FmeefueS Fve Deekeefmceke KelejeW mes megj#eeeoeve kejves kes efueS Jeef yeercee kees
efJeeere meceeJesMeer GheeeeW kes DeefveJeee& Ieke kes he ceW Jeeheke mJeerke=efle
eehle ngF& nw~ yeercee efJeefveeeceke Deewj efJekeeme eeefOekejCe (DeeF&Deej[erS) eje
peejer met#ce yeercee efJeefveeceeW mes met#ce yeercee kees eeeefjle kejves ceW mebkeuHeveelceke
efJeMes<e kes leewj hej eeslmeenve efceuee nw~
15. iewj-peerJeve yeercee kebheefveeeW F&meerpeermeer SJeb SDeeF&meer pewmeer efJeMes<eerke=le

mebmLeeDeeW Deewj mJeleb$e mJeemLe yeerceekelee& kebheefveeeW kees es[ kej 2008-09
ceW . 31,428 kejes[ keer leguevee ceW 2009-10 ceW 35,816 kejes[ .
eerefceece yeerceeke=le efkeee ieee nw~ Deewj Fme lejn 13.44 eefleMele keer Je=ef
ope& keer nw~ leerve mJeemLe yeercee kebheefveeeW ves 2008-09 ceW Deheves mecesefkele .
535 kejes[ eerefceece keer leguevee ceW 2009-10 ceW ogievee DeLee&le 1,072
kejes[ eerefceece yeerceeke=le keer nw~
18. met#ce yeercee efJeefveeceeW kes Debleie&le DeheveeeW iees mekeejelceke Deewj
megmeeOeelceke efkeesCe kes meeLe en DeeMee yeveer nw efke meYeer yeercee kebheefveeeB
eieefleMeerue Jeeheej efkeesCe DeheveeSBieer Deewj efJeefveeceeW keer YeeJevee kees Deeies
ye{eles ngS meceepe kes meYeer IekeeW kees yeercee megefJeOee GheueyOe kejeSBieer~ 200910 kes Debleleke met#ce yeercee #es$e ceW 8676 met#ce yeercee Spesv meefee nQ~ Fme
3
dm{fH$ [anmoQ>
2009-10
efJeJejCe he$e euesKe ceW ekeve:
Je<e& Jeefkeleiele esCeer ceW eehle vees Jeeheej eerefceece 0.30 kejes[ heeefueefmeeeW
kes meeLe 160 kejes[ hees nQ Deewj 2009-10 kes oewjeve 33 mece=n eespeveeDeeW
kes efueS eehle veee Jeeheej eerefceece 1.69 kejes[ peerJeveeW kes efueS 238
kejes[ hees Lee~ Jeefkeleiele esCeer ceW 7.88 kejes[ hees kes 7,516 oeJes
efveheees iees Deewj mecetn esCeer ceW 43,645 peerJeveeW kes efueS 169 . kejes[ kes
. kes oeJeeW kee efveheeve efkeee ieee~
22. yeercee #es$e kee mJemLe SJeb JeJeefmLele efJekeeme megefveefele kejves kes efueS
yeerceekelee&DeeW eje efpeve KelejeW kee meecevee efkeee pee jne nw Gvekee meeJe&peefveke
ekeve cenlJehetCe& nw~
es ekeve yee]peej keer o#elee megefveefele kejves kes efueS efJeemeveere SJeb efveeefcele
mecee hej efkees peeves eeefnS~ es ekeve efveJesMekeeW Deewj heeefuemeerOeejkeeW keer
megj#ee megefveefele kejves kes efueS yeercee efJeefveeeceke kees DeeJeMeke peevekeejer
GheueyOe kejeles nQ~ Jeefkeleiele yeerceeOeejkeeW kes heeme etbefke DeeJeMeke eesielee
Deewj yeerceekelee&DeeW kee cetueebkeve kejves kes mebmeeOeveeW kee DeYeeJe neslee nw~
yee]peej ceW efJeues<ekeeW meefnle Deve efnleOeejke yeercee kebheefveeeW eje efkees iees
ekeveeW kes DeeOeej hej DeeJeMeke peevekeejer GheueyOe keje mekeles nQ~
yeercee #es$e eje efveJesMe:

19. 2009-10 kes oewjeve `DeeF&Deej[erS' Yeejleere efjpeJe& yeQke kes meeLe
``DeeOeejYetle mebjevee megefJeOee' keer heefjYee<ee ceW nes ieee Deewj Fme lejn DeeOeejYetle
mebjevee #es$e ceW efveJesMe kes efueS vees DeJemej hewoe nes iees~ eeefOekejCe ves
mebjeveelceke {ebes ceW efveJesMe keer meercee ceW {erue osles ngS Ske Skeue efveJesefMele
kebheveer ceW efveJesMe keer meercee 10 eefleMele mes ye{ekej 20 eefleMele kejleer nw~
en meercee $e+Ce SJeb FefkeJeer kees efceuee kej nw Deewj efkevneR MeleeX kees hetje kejves
hej efueKeleeW ceW GhemeerceeDeeW kes DeueeJee nw~ mebyebefOele yeerceekelee& keer efveJesMeke
meefceefle keer hetJe& mJeerke=efle hej `$e+Ce' ceW 5 eefleMele kes Deefleefjkele efveJesMe keer
Yeer Devegceefle oer ieeer nw~
23. MeerIe ner keF& yeercee kebheefveeeb Deheves heefjeeueve kes 46 Je<e& hetjs kejves
Jeeueer nQ~ efpemekes yeeo GvnW efJeefveeeceke eje DeejbefYeke meeJe&peefveke emleeJe
(DeeF&heerDees) keer Devegceefle oer pee mekeleer nw~ FmeefueS en ]pejer nw efke
efveJesMekeeW kees efJeeere keee&efve<heeove, kebheveer keer he jsKee, efJeeere efmLeefle,
peesefKece kes henuet kebheveer DeefYeMeemeve kes lelJeeW kes Gefele mLeeve hej nesves
Deewj yeerceekebheefveeeW kes eyebOeve kes mebyebOe ceW hetjer peevekeejer nes~ eeefOekejCe
efJeJejCe he$eeW ceW yeercee kebheefveeeW kes efueS ekeve MeleeX kees Debeflece he osves
kes efueS Yeejleere eefleYetefle SJeb efJeefveece yees[& eje ceef"le ekeve SJeb
uesKeebkeve efJe<eeeW keer mLeeeer efmceefle keer yew"keeW ceW nes jner eee&DeeW ceW Yeeie
ues jne nw~ ekeve MeleeX kee efveOee&jCe kejles mecee eeefOekejCe eje Fme
mebyebOe ceW meJe&es Devleje&êre JeJenejeW kees Meeefceue kejves kee eeeme
efkeee ieee nw~ en emleeJe nw efke peerJeve SJeb iewjpeerJeve yeercee kebheefveeeW keer
Deheveer Deheveer eke=efle kes cesvepej Gvekeer ekeve MeleeX kees Deueie mes
DeeosefMele efkeee peees~
20. peesefKece eyebOeve {eBes kees Deewj cepeyetle kejles ngS yeercee efJeefveeeceke Deewj
efJekeeme eeefOekejCe (DeeF&Deej[erS) ves KelejeW kees kece kejves kes GsMe mes
heejbheefjke SJeb etefveeEueke hees&SHeesefueeeW ceW efveJesMe hej kejerye mes efveiejeveer
jKeves yeercee kebheefveeeW kes efveJesMe peesefKece eyebOeve eCeeueer leLee eefeeeDeeW kes
efveie&ceve nsleg Fme Je<e& efoMee efveoxMe peejer efkees nQ~
meeJe&peefveke ekeveeW kees ye{eves keer henue:

21. heefjeeueve ceW heejoe|Melee ye[eves kes GsMe mes eefOekejCe yeercee kebheefveeeW eje
mecee-mecee hej efkees peeves Jeeues ekeveeW ceW Je=ef kejves keer efoMee ceW meefee nw~
Gme efoMee ceW ecegKe keoce peveJejer 2010 ceW ekeve efoMee efveoxMeke peejer kejvee
nw~ eeefOekejCe ves, meeJe&peefveke #es$e ceW ceW peevekeejer keer GheueyOelee ceW Glhevve
Devlej kees heeves kes efueS ekeveeW keer MeleeX kees Deewj ke[e efkeee ieee nw~ es
ekeve (i) mebyebeOf ele kebheefveeeW kes JesyemeeF hej emeejCe eje efkees peeles nQ Deewj es
31 ceee& 2010 kees meceehle DeJeefOe mes eYeeefJele nQ~ Fme henue ves yeercee kebheefveeeb
kees pees Deye leke meeJe&peefveke he mes meteerye kebheefveeeB veneR nQ, meeJe&peefveke
ekeveeW kes ceeceues ceW keejheesjs efJee ceW meteer ye kebheefveeeW kes meceke#e kej
efoee nw~ meteerye keejheesjs kebheefveeeB meteer mecePeewles keer MeleeX eje mebeeefuele
nesleer nQ pees Deve yeeleeW kes meeLe keee& efve<heeove kes meeJe&peefveke ekeve keer
Mele& mes Yeer yebOe peeleer nQ~
yeercee kebheefveeeW kee meceecesueve:

24. en cele nw efke Yeejle ceW yeercee #es$e kees keg no leke meceskeve kee meecevee
kejvee he[ mekelee nw~ eeefOekejCe mecegKe Yeejleere yeercee yeepeej kes iewj-peerJeve
#es$e kes efKeueeef[eeW ves emleeJe jKee nw efke Yeejleere peerJeve yeercee yeepeej kes
iewj-peerJeve #es$e keer Jele&ceeve kebheefveeeW kees efceueekej Fme #es$e ceW efvepeer #es$e keer
otmejer meyemes ye[er Deece yeercee kebheveer keer mebjevee keer peee~ eeefOekejCe Fme
emleeJe hej meefeelee kes meeLe efJeeej kej jne nw Deewj Ssmeer JeJemLeeSb kej
mekelee nQ efpememes yeercee #es$e ceW efkemeer mebke keer efmLeefle ceW heeefuemeer OeejkeeW kes
efnleeW keer hetjer megj#ee megefveefele nes Deewj osMe ceW Ske mheboveMeerue yeepeej kee
4
dm{fH$ [anmoQ>
meneesie efceues~ Fmemes hetJe& Ssmeer Ievee ngF& nQ peye leke yeercee kebheveer kes eJele&keeW
ves peerJeve yeercee #es$e ceW heefjeeueve peejer jKeves ceW DemeceLe&lee Jekele keer nw Deewj
Gvekes efnleeW kees eeefOekejCe eje keer ieeer mecegefele meeJeOeeveer eefeee kes
heeeled Deve kebheveer eje enCe kej efueee ieee~ eeefOekejCe ves Deheveer lJeefjle
keej&Jeener mes en megefveefele efkeee nw efke neueele oerIe&keeue leke DeefmLej ve jnW
Deewj kebheveer keer heefj mebheefeeeW kees Deheves efveeb$eCe ceW ueskej Gefele keej&Jeener
eje en megefveefele efkeee efke heeefuemeer OeejkeeW kes efnleeW kes meeLe efkemeer Yeer lejn
mes mecePeewlee veneR efkeee peee~
2009-10
Deekeeb#eeDeeW, Gvekeer ueeYeeolee Deewj Deve peesefKeceeW pewmes yeerceejer, DeefmLejlee,

GOeejer Deewj Kee& efveJesMe eefleueeYe, heefjmebheefe oselee Deeefo kees hetje kejves ceW
yeerceekelee& efpeve egveewefleeeW kee meecevee kejles nQ Gmes mhe< he mes oMee&ves
cetueebkeve keer efleefLe leke Jeeheej keer eeuet keeJe kes efJeIeve kees megiece
yeveevee nw~ en DevegYeJe Deieues Ske Je<e& leke Fve yeoueleer heefjefmLeefleeeW ceW
yeerceeeoelee keer efmLeefle kees Yeer efoKeeSiee~ Fme henue mes eeefOekeej ves peerJeve
yeercee kebheefveeeW mes hejs SHemeerDeej keer emlegefle hej Ssmeer efjheese\ie keer meercee kes
Yeerlej iewj-peerJeve yeerceeeoeleeDeeW kees Yeer ueeves kes efueS Deheves DeefOeosMe kees
ye{eee~
Deee|Leke hebtpeer:
SSceSue SHeSerSHe hej henue:
25. Jewefeke DevegYeJe kes DeeOeej hej en mJeerkeej efkeee ieee nw efke yeercee Ske
hetbpeer eOeeve Jeeheej nw~ 2007 mes Meg efJeeere mebke kes heefjCeece mJehe
neue keer meceefJeiele DeeefLe&ke ieefle efJeefOeeeW kees Oeeve ceW jKeles ngS en DeeJeMeke
nes ieee nw efke MeesOe#ecelee kees Kelejs ceW [eues efyevee hetbpeer meeceLe& ceW megOeej ueeves
keer DeeJeMekelee nw~
27. Jele&ceeve {eBes kes Yeerlej, SSceSue/ meerSHeer (DeeF&Scemeermeer) hej Deblejceb$eeuee mebyebOeer mecevJee meefceefle, leeuecesue efvekeee kes he ceW ieef"le keer ieF&,
pees SHeSerSHe ceW meomelee mes mebyebefOele ceeceues efoKesieer Deewj Deeies eefeee
kee DevegmejCe kejsieer~ eefeee kes efueS Fvehegdme Deewj mebmlegefleeeW kes DeceueerkejCe
kee keece mebyebefOele efJeefveeeceke/DeefYekejCe osKeWies~ mebyeefOele jsieguesme&/ SpeWefmeeeW
keer henueeW kes DeeOeej hej Yeejle kees petve, 2010 ceW SHeSerSHe keer meomelee
eoeve keer ieF&~ keg mebmlegefleeeW kes DeceueerkejCe kes mebyebOe ceW SHeSerSHe eje
Jekele eEelee Devegceesefole keee& eespevee kes ceeOece mes Ieesef<ele keer peeSieer, efpemes
SHeSerSHe kes meefeJeeuee kes heeme pecee efkeee ieee nw~ Jele&ceeve {eBes ves
meblees<epeveke keee& efkeee Deewj Fmeves SHeSerSHe keer meomelee Yeejle kees
eoeve efkees peeves kes mebyebOe ceW Dehesef#ele keece efkeee~ neue ner ceW, Yeejleere
efJeefveeeceke {eBee efveOee&jCe meefceefle, pees efJeeere #es$e efJeefveeeceke Deewj mejkeejer
SpeWefmeeeW kes eefleefveefOeeeW mes egkele nw, efJeefYevve efJeefveeeceke eEeleeDeeW kes meceeOeeve
Deewj efJeefYevve mebmlegefleeeW kes Devegheeueve ceW nesves Jeeueer efJeefYevve Keeueer peieneW kees
Yejves keer eefeee megiece yeveeves kes efueS ieef"le keer ieF&~
Deee|Leke hetbpeer (F&meer) efkemeer yeercee kebheveer keer hetbpeer DeeJeMekelee kes Gelece
mlej kees eefleeEyeefyele kejleer nw~ Fmekee DeeBkeueve kejves kee cegKe GsMe kegue
Deejef#ele efveefOe ($e+Ce MeesOeve #ecelee meefnle) ceW mes mhe he mes oseleeDeeW Deewj
peesefKece efnmmeeW kees he=Leke kejvee nw~ eefo Fmekees efvejblej he mes Deebkee peee
lees Dee.het. peesefKece keer meeceeve cege nesieer~ Meyo `Deee|Leke' Fme yeele kee
mebkesle oslee nw efke en efkevneR hetJe& heefjYeeef<ele efveeceeW kes DeeOeej keer Jeefvemhele
Deee|Leke JeemleefJekeleeDeeW kes DeeOeej hej Deebkee peelee nw~ Deee|Leke hetbpeer kee
efveOee&jCe, yeercee peesefKece, yee]peej peesefKece, heefjeeueve peesefKece, $e+Ce peesefKece,
Deeefo pejleeW mes he=Leke he mes efveheves kes meboYe& ceW efkeee peelee nw~ 200910 efJeeereJe<e& mes peerJeve yeercee kebheefveeeW kees Deee|Leke hetbpeer kee efJemle=le efJeJejCe
emlegle kejves kee hejeceMe& efoee ieee nw~
Fme keej&Jeener mes yeercee kebheveer eje peve KelejeW kee meecevee efkeee pee jne nw
Deewj Gvemes Gvekeer MeesOe#ecelee efmLeefle hej he[ves Jeeues eYeeJe kes mebyebOe ceW ienve
Devleef efceuesieer~
28. eeefOekeej eje Meg keer ieF& efJeefYevve henueeW kes efnmmes kes he ceW meYeer
peerJeve yeercee eoeleeDeeW kees metefele efkeee ieee efke yeercee Glheeo, peneB eefle
hee@efuemeer DeeOeej hej, yeercee hee@efueefmeeeW hej ose yeerefcele Jeee|<eke eerefceece Ske
ueeKe hees ye{lee nw, Kejeroves Jeeues JeefkeleeeW mes hewve mebeefnle kejW~ hewve keer
ceeBie mes t eehle JeefkeleeeW kes efueS yeerceeeoelee kees eeefnS efke emleeJeke mes
Ske Ssmee Iees<eCee-he$e eehle kejW, efpemeceW Gmes efkeme eeJeOeeve kes Debleie&le t
eoeve keer ieF& Gmes eke kejvee nesiee~
iewj-peerJeve yeercee kebheefveeeW keer efJeeere efmLeefle efjhees&

(SHemeerDeej):
26. iewj-peerJeve yeercee kebheefveeeW kees efveOee&efjle eehe ceW Gme efJeeere Je<e& kes
efueS eYeeJeer 31 ceee&, 2010, Je<e& ceW Ske yeej efJeeere efmLeefle efjhees& emlegle
kejves kee DeefOeosMe efoee ieee~ SHemeerDeej kee GsMe $e+Ce egkelee kejves keer
dm{fH$ [anmoQ>
yeercee kebheefveeeW kes efueS efveieefcele Meemeve efoMee-efveoxMe:
2009-10
efoJeme Deeves hej mebeefele kees<e cetue kees Jeee|<eke Jesleve kes he ceW heefjJee|lele
kej mekelee nw : Deewj ix) heWMeve Deewj Jeee|<eke Jesleve GlheeoeW kees es[kej meYeer
etefueheeW kees efveOee&efjle vetvelece efJeveeMe/mJeemLe keJej GheueyOe kejevee DeeJeMeke
nw~
29. kee@heexjs ieJeve&vme efoMee-efveoxMe yeercee kebheefveeeW kees ece ceW jKeles nQ~
efveeceeW kes Devegmeej, yeercee kebheefveeeW kees 1 Deewue, 2010 mes eYeeJeer efoMeeefveoxMeeW kee Devegheeueke jnvee eeefnS~ efoMee-efveoxMe efveosMeke ceb[ue Deewj kebheveer
kes Jeefj eyebOeve kes {eBes, GejoeefelJeeW Deewj ieefleefJeefOeeeW kes efueS leweej
efkees iees nQ~ efoMee-efveoxMe yeercee kebheveer keer ecegKe jevee mebyebOeer Ieke efpemeceW
Meeefceue nw, ieJeve&vme {eBee, efveosMeke ceb[ue, efveeb$eCe keee&, Jeefj eyebOeve,
meerF&Dees Deewj Deve Jeefj heoeefOekeeefjeeW, efveegkele efkees iees yeercee eyebOekeeW
keer Yetefcekee, yeenjer uesKee-hejer#eCe - meebefJeefOeke uesKee hejer#ekeeW keer efveegefkele
: ekeeMeve : DeeGmeese\meie : me@kenesu[jeW kes meeLe mebyebOe : efvejer#ekeeW kes
meeLe heefjeee& : efJeefpeue yueeFb[ hee@efuemeer keJej kejles nQ~ yeercee eoeleeDeeW kees
eeefnS efke Gvekes yees[& ceW kece mes kece oes mJeleb$e efveosMeke jKes peye leke efke
Jes meteer mes yeenj nesles nQ Deewj meYeer efveosMekeeW kees èesie Je mecegef ele' ceeheoC[
kees hetje kejvee pejer nw~ efoMee-efveoxMeeW ceW Deeies Dee%eevegmeej keece kejves Jeeueer
meefceefleeeW- uesKee hejer#ee : efveJesMe : peeseKf ece eyebOeve : heefjmecheefe oselee eyebOeve :
(peerJeve yeercee kebheefveeeW kes ceeceues ceW) : hee@euf emeerOeejke megj#eCe : Deewj Jewkeefuheke
meefceefleeeW - eefleHeue : veeceebkeve : Deewj veerelf e Meee meefceefleeeW kes efvecee&Ce kes
efveece efoes iees nQ~
31. mebegkele GlheeoeW kee ceeie& megueYe kejeles ngS `nsuLe hueme ueeFHe keescyeer
ee@[kedme' hej Yeer efoMee-efveoxMe peejer efkees, efpemeceW peerJeve yeercee kebheefveeeW
Deewj Skeue Glheeo kes eles kes veeres keer iewj-peerJeve yeercee kebheefveeeW eje
emleeefJele mQ[Deueesve mJeemLe yeercee GlheeoeW eje Meg DeJeefOe peerJeve yeercee
GlheeoeW kees emleeefJele efkeee pee mekelee nw~
efMekeeele efveheje:
32. yeercee hej peeiekelee DeefYeeeve eueeves kes DeueeJee DeeF&Deej[erS kee
GheYeeskelee ceeceueeW kee efJeYeeie hee@efuemeerOeejkeeW keer mecemeeDeeW kee meceeOeeve
kejlee nw~ efMekeeele ke#e peerJeve Deewj iewj-peerJeve yeercee kebheefveeeW kes efJe
hee@uemeerOeejkeeW keer efMekeeeleeW kee meceeOeeve kejlee nw~ mecYeeefJele Deewj hee@efuemeer
OeejkeeW kees henues Deheveer efMekeeele mebyebefOele yeercee kebheefveeeW kes heeme ope&
kejeves keer meueen oer peeleer nw~ efMekeeele ke#e kebheveer kes efJe efMekeeeleW
ueskej meceeOeeve megueYe kejelee nw~ peneB Yeer DeeJeMeke nes DeeF&Deej[erS eje
peeBe Deewj hetlee keer peeleer nw~ neue ner ceW, DeeF&Deej[erS ves DeeF&Deej[erS
efMekeeele Deeceb$eCe kesv (DeeF&peermeermeer) DeejbYe kej mecYeeefJeleeW Deewj hee@efuemeer
OeejkeeW kees efMekeeele ke#e kes heeme efMekeeeleWb ope& kejeves Ske Jewkeefuheke
ceeOece GheueyOe kejeee nw~ DeeF&peermeermeerSve e@ue eer vebyej kes ceeOece mes
efMekeeeleW eehle kejlee nw Deewj hebpeerke=le kejlee nw~ efMekeeelekelee& DeeF&peermeermeer
kes ceeOece mes Deheveer efMekeeeleeW keer efmLeefle kee helee ueiee mekeles nQ~ eeefOekeej
efMekeeeleeW kes Dee@veueeFve hebpeerkejCe kes efueS efMekeeele ke#e kes mJeeeueve
eje meceefvJele efMekeeele eyebOeve eCeeueer (DeeF&peerSceSme) Deceue ceW ueeves keer
eefeee ceW Yeer nw~ emleeefJele mJeeeefuele eCeeueer efmLeefle Deewj meceeOeeve keer
Dee@veueeFve peeBe keer megefJeOee Yeer osieer~ meecetefnke DeefOekeej efoMee-efveoxMeeW kes
Debleie&le eeefOekeej ves Yeer DeefOeosMe Yeer efoee nw efke yeercee eoelee hee@efuemeerOeejke
mebj#eCe meefceefle ceW mLeeve hee mekeles nQ~
hee@efuemeerOeejke kes mebj#eCe kes eefle henue:

30. hee@efuemeerOeejkeeW kes efnleeW kes mebj#eCe kees ef ceW jKeles ngS DeeF&Deej[erS
ves eeuet efJeeere Je<e& 2010-11 ceW keF& keoce G"ees nQ~ Fve henueeW kee GsMe
i) vetvelece uee@ke-Fve DeJeefOe leerve Je<eeX mes ye{ekej heeBe Je<e& kejvee, e@heDehme kees Yeer efveece ueeiet kejvee ii) etefve eEueke[ yeercee GlheeoeW (etefuehme)
hej Meguke uee@ke-Fve DeJeefOe ceW Yeer meceeve ye{eves kee DeefOeosMe osvee
iii) etefuehme, Skeue eerefceece GlheeoeW kes Deefleefjkele, kes heeme vetvelece eerefceece
Yegieleeve DeJeefOe heeBe Je<eeX keer nesveer eeefnS~ iv) efvepeer GlheeoeW kes heeme
vetvelece hee@efuemeer DeJeefOe heeBe Je<eeX keer nesveer eeefnS, neueeBefke mecetn Glheeo
Jeee|<eke veJeerveerkejCe DeeOeej hej peejer jn mekeles nQ~ v) heWMeve/Jeee|<eke Jesleve
meYeer GlheeoeW kes heeme ce=leg hej ose vetvelece Deeemle jeefMe nesveer eeefnS :
vi) etefuehe heWMeve/Jeee|<eke Jesleve Glheeo eefle Je<e& 4.5 eefleMele kee meceemecee hej DeeF&Deej[erS eje efJeMes<e he mes Jee|Cele vetvelece ieejbef[ eefleueeYe
kee emleeJe kej mekeles nQ ; vii) e@heDehe eerefceece kes heeme Yeer yeercee keJej
nesvee eeefnS ; viii) efvepeer GlheeoeW kes efueS DeebefMeke Jeehemeer keer megefJeOee heeBeJeW
hee@efuemeer Jeee|<ekeeslmeJe kes yeeo ner ose eesie nesieer~ heWMeve/Jeee|<eke Jesleve GlheeoeW
kes ceeceues ceW DeebefMeke Jeehemeer keer Devegceefle veneR jnsieer Deewj yeerceekelee& Yegieleeve
Dee@ve-meeF efvejer#eCe kee meMeeqkelekejCe:

33. efJeeere Je<e& 2009-10 #es$e kes Kegueves mes hetJe&, yeercee kebheefveeeW kes eeeueve
kee omeJeeB Je<e& Lee, peyeefke eeefOekeej efJemle=le Dee@veueeFve efvejer#eCe DeejbYe
kejves kee efJeeej kej jne nw~ es meesee ieee Lee efke hebpeerke=le yeercee eoelee
kees hetjs heefjceeCe ceW efvejer#eCe Meg nesves mes henues eeeueveeW kees efmLej kejves
6
dm{fH$ [anmoQ>
2009-10
DeeF&SSmeyeer ves yeercee "skeeW hej DeveeJejCe cemeewoe he$e peejer efkeee~ DeeF&SSme
Gve Devegheeueve DeeF&SHeDeejSme kees kesveefYecegKe yeveeves ceW Deeies ye{ves ceW
ceOemLelee Jeeuee keoce nw~
kee mecee efoee peevee eeefnS~ eeuet efJeeere Je<e& 2010-11 mes DeejbYe nes
jns Dee@ve-meeF efvejer#eCe ceW eej peerJeve yeercee eoeleeDeeW kes mebyebOe ceW iebYeerj
ceeceueeW kees ue#e yeveeee ieee nw Deewj eej iewj-peerJeve yeercee eoeleeDeeW kee
efpeccee efueee ieee nw~ eeefOekeej Deheves eeeueveeW kes mebkeHetCe& #es$e ceW
Deheveer ieefleefJeefOeeeB ye{evee eenlee nw~
37. eeefOekeej ves Ssmeer efmLeefle ceW mecemeeDeeW kee helee ueieeves Ske keee& meefceefle
ieefle keer nw~ en keee& meefceefle eeefOekeej kes DeefOekeeefjeeW Deewj uesKee #es$e ceW
efJeMes<e%eeW Deewj Geesie mes yeerceebkekeeW kees efceueekej yeveeee ieee nw~ meefceefle kee
keece DeeF&SSme 4 Deewj DeeF&SHeDeejSme kees Deceue ceW ueeves mes G"ves Jeeues
efJeefYevve otmejs cegeW hej DeveeJejCe cemeewoe he$e kees peeBevee nesiee~
[ee JesejneTme:
34. eeefOekeej ves yeercee FvHeecexMeve yetjes (DeeF&DeeF&yeer), Ske hejeceMeea efvekeee
ieef"le efkeee nw pees DeeBke[s mebeefnle, mebmeeefOele Deewj emeeefjle kej jne nw~
DeeF&DeeF&yeer en megefveefele kejves kes efueS yeveeee ieee nw efke yeercee kebheefveeeW kes
Jeeheeefjke DeeBke[s eceJeej mebeefnle Deewj mebmeeefOele efkees peeSB Deewj FvnW
efveeefcele Deblejeue hej GheueyOe kejeee peeS~ Dele: en efJeefYevve yeepeejeW kes
efKeueeef[eeW, DevegmebOeevekelee&DeeW, hee@efuemeerOeejkeeW meeLe ner mener mecee hej Hewmeuee
kejves kes efueS cegkele pevelee kes efueS Gheeesieer nesiee, DeeF&DeeF&yeer, yeercee #es$e kes
hetjs DeeBke[s ceeBie kes efueS Ske Skeue efyevot keeee&uee DeeOeej kes leewj hej keece
kejsiee~ DeeBke[eW kees mebmeeefOele Deewj emeeefjle kejves mebyebOeer meYeer pejer Hewmeues
yetjes eje efveOee&efjle veerefle kes Devegmeej efuees peeSBies~ meYeer iewj-peerJeve yeercee
eoeleeDeeW kees eeefnS efke DeeF&Deej[erS GheueyOe Deewj efveOee&efjle DeeBke[s Deehe
kes Devegmeej efyepeveme Dee@veueeFve keer Deve ueeFveeW Deewj ceesj, mJeemLe hej
yeercee DeeBke[s Deheuees[ kejW~ henue kes efnmmes kes he ceW hetjer lejn mes iewjpeerJeve Geesie kes efueS hetCe& eesie mlejere DeeBke[s yeercee eoelee kees GheueyOe
kejees peeSBies, leeefke Jes Gece ueeYe G"eves kes Hewmeues kej mekes~
2010-11 keer eLece efleceener ceW efve<heeove:

38. peerJeve yeerceekelee&DeeW ves 2009-10 ceW Devegketue eLece efleceener ceW `14,456
kejes[ kes cegkeeyeues eeuet efJeeere Je<e& 2010-11 ceW eLece efleceener kes oewjeve
`25,522 kejes[ kes vees Jeeheej keer efpeccesoejer ueer Deewj 76.55 eefleMele
kee efJekeeme ope& kejeee~ vees JeeHeej eerefceece keer DeeefLe&ke efpeccesoejer ceW mes
SueDeeF&meer `18,740 kejes[ (ceekex Mesej kee 73.43 eefleMele) Deewj
efvepeer yeercee `6,782 kejes[ (ceekex Mesej kee 26.57 eefleMele) kes efueS
peJeeyeosn jne~ Fve yeerceekelee&DeeW kes ceekex Mesej 2009-10 keer meceer#ee
DeJeefOe ceW eceMe: 62.45 eefleMele Deewj 37.55 eefleMele Les~ iewj-peerJeve
yeerceekelee&DeeW ves 2009-10 keer meceeve DeJeefOe ceW `8,827/- kejes[ keer ueer
ieeer efpeccesoejer hej 21.83 eefleMele kee efJekeeme ope& kejeles eeuet efJeeere Je<e&
keer eLece efleceener kes oewjeve iewj-peerJeve yeerceekelee&DeeW ves `10,755 kejes[
Hees keer DeeefLe&ke efpeccesoejer ueer~ efvepeer #es$e kes iewj-peerJeve yeerceekelee&DeeW ves
21.61 eefleMele kee efJekeeme ope& kej Deewue-petve, 2009-10 ceW `3,586
kejes[ kes cegkeeyeues Deewue-petve, 2010-11 ceW `4,361 kejes[ kes eerefceece
keer DeeefLe&ke efpeccesoejer ueer~ meeJe&peefveke #es$e kes iewj-peerJeve yeerceekelee&DeeW ves
`6,391 kejes[ kes eerefceece keer efpeccesoejer ueer pees 21.88 eefleMele (200910 keer eLece efleceener ceW `5,244 kejes[) mes DeefOeke Lee~ meeJe&peefveke Deewj
efvepeer yeerceekelee&DeeW kee ceekex Mesej efleceener (petve, 2009 keer meceeeqHle Hej
59.36 Deewj 40.64) keer meceeeqHle Hej 59.44 Deewj 40.56 eefleMele jne~
SHeDeeF&DeejSme kes DeceueerkejCe hej eeefOekeej hej G"ees iees

keoce:
35. eeefOekeej ves Debleje&e^ r e efJeeere efjheese\ ie ceevekeeW (DeeF&SHeDeejSme) kes
DeceueerkejCe kes efueS jes[ cewhe efveefele kejves Dekeletyej, 2008 ceW Ske keee& mecetn
ieef"le efkeee~ keee& mecetn ves Deheveer efjhees& petve, 2009 ceW emlegle keer~ mecetn eje
emlegle efjhees& ves efJeefYevve cegs G"ees pees DeeF&SHeDeejSme kees Deceue ceW ueeles mecee
GYej mekeles nQ, efpemes yeercee kebheefveeeW kees 2012-13 leke eeesie ceW ueevee nw~
eeefOekeej eje Deheveeee ieee cetue jemlee DeeF&SHeDeejSme kees Debieerkeej kejvee
veneR, yeefuke DeeF&SHeDeejSme kees kesveefYecegKe yeveevee nw~
39. F&meerpeermeer ves efHeues Je<e& ceW `190 kejes[ kes cegkeeyeues `208 kejes[ kes
GOeej yeercee keer efpeccesoejer ueer, efpemeceW 9.66 eefleMele kee efJekeeme jne~
SDeeF&meer ves efHeues Je<e& kes `132 kejes[ kes cegkeeyeues `149 kejes[ kes ke=ef<e
yeercee keer efpeccesoejer ueer, eeefve 12.84 eefleMele kee efJekeeme~ mJeemLe yeercee
eoeleeDeeW (mej nsuLe, DeHeesuees cetefveKe Deewj cewkeme yegHee) ves efHeues Je<e& kes
`246 kejes[ kes cegkeeyeues `364 kejes[ kes eerefceece keer efpeccesoejer ueer Deewj
48.23 eefleMele kee efJekeeme ope& kejeee~
36. Fbmerdet Dee@He ee&[& DekeeGbW[dme Dee@He Fbef[ee (DeeF&meerDeeF&S) ves

DeeF&SSme kes he ceW yeercee "skeeW hej DeveeJejCe cemeewoe he$e peejer efkeee, efpemes
DeYeer vesMeveue S[JeeFpejer keceser Dee@ve DekeeGbeEie mQ[[&me (SveSmeerSSme)
eje uesKee-peesKee ceevekeeW kes he ceW DeefOemetefele efkeee peevee nw~ Fme yeere,
7
dm{fH$ [anmoQ>
2009-10
dm{fH$ [anmoQ>
2009-10
Yi -I
{Z{V`m Ed H$m`H$_
1.
mcv DL&k JlJjC-
mbk HJ& J<&b k luv cW DY Y vvlc mlj Hj n~ m[k #$

cW j^ jpcix k vc&C Dj Jmlj k k&b v J<& 2009-10
k ojv Jkm k DHv lJ il k yv jK, pyk ju
j cu HjJnv cW Y J= nF&~
1.1.1. Yjl DL&JJmL v J<& 2009-10 k ojv ynlj {bi m
HJ& mLl k Hl k n Dj il J<& k 6.7 lMl Jkm oj

k ckyu 7.4 lMl k TB mku Iju GlHo cW J= op&
k iF& n~ n jkJj J<& 2008-09 k Gj& cW D DL&k
cvo m GlHV mbk cW Sk Dvku mbkl n~ k=< #$, cW c$
0.2 lMl k s[kj, DL&JmL k omj #$W cW mkjlck
J= op& k iF&~ pnB Dik #$ v 10.4 lMl k oj m
Jkm k (il J<& n 3.1 lMl jn L), JnR mJ #$ cW 8.3
lMl k J= op& k iF& (il J<& n 9.3 lMl jn L)~
Gj HJa cvmv k kcpj H[v k kjC k=< #$ cb vvlc
Jkm op& k i~ HjCcl: KV GlHov cW 6.9 lMl
k ijJ DF& p 218.2 cuv v jn~ KV GlHov cW
m k yJpo k=< m mcyvOl mku Iju GlHo k oj k=<
m mcyvOl omj #$W pm HMHuv, yiJv , csuHuv Do
cW Jkm k kjC mkjlck jn~
1.1.4
vC&k vp THYi J (H SH m F&) cW J<& 2009-10

k ojv ccu 4.3 lMl k mOj nD (J<& 2003-08 k ojv
n 7.6 lMl jn L)~ n cOc mOj vp #$ k cbi cb
cvo k ml kjl n~ H SH m F& cW D ijJ k #lHl&
k GM m mjkj v Jml=l J GH k n, pm Yjl
jp&J yQk k Jml=l ck vl k j mni ov k i
n~ Fv mOjJo GHW k HjCcmJH mjkj vC&k GHYi
J p SH m F& J<& 2009-10 k ojv uiYi oiv 10.5 lMl
n i ( p J<& 2003-08 k HB J<X k ojv 5.6 lMl jn
L)~ p SH m F& cW J= nv k kjC mJ&pvk #$ cW yl
k oj J<& 2007-08 k 5.0 lMl k ckyu J<& 2008-09 cW 1.4
lMl jn i~ nubk Iju #$ Dj vp JJmk #$W v
yl k oj cW mLlJ, p k cM: 22.6 lMl Dj 8.4
lMl k yv jK(J<& 2007-08 k ojv n 22.6 lMl
Dj 8.7 lMl jn L)~
1.1.2
J<& 2009-10 k ojv Dik #$ cW 10.4 lMl k

J= op& k iF&, p JMJk DL&k mbk k HJ& k J<X 200308 k ojv k Dml J<&k Jkm k oj m 9.1 lMl DOk
n~ Dik GlHo mkbk (DF& DF& H) v J<& 2009-10 k
ojv 105 lMl k Jkm oj k s u n (J<& 2003-08 k
ojv n 8.7 lMl jn L)~ Jkm k n c mY lvW
GH#$W pm k Kvv cb 9.9 lMl , Jv&cv cW 10.9 lMl
Dj Jl #$ cW 6.0 lMl k Jkm op& k i~ i k
DOj Hj #$W k JiakjC cW kHu i[m Dj Fvjc[
i[m cW cM: 19.2 lMl Dj 13.6 lMl k J= op& k
iF&~
1.1.5
J<& 2009-10 k ojv cmHl v DHv ci& cnlJHC&

{bi m o #$W cW JYpl kj u~ pyk J<& oj J<& Lk cu
mkbk qmHl J<& k Lc scn cW kc yv jn (pv- Diml
2009 k ojv vkjlck), Fmk il omj scn cW lJ nF&
p c& 2010 lk 11.0 lMl lk HnB iF&~ J<& 2008-09 k
Lc scn cW G cu J= v J<& 2009-10 k Lc scn cW
cqmHl k oj k vvlc yv jKv cb iov o~ DOjYl
YJW cb m k mL-mL K HoLX Dj lu k kclW cW
lJ J= v J<& 2009-10 k l scn cW cqmHl k y{v
k k& k~ vvlc KV GlHov Dj Dj Dblj^
ypj cb lu k kclW cW y{lj v Y mni kjk k Yck
vYF& ~ J<& 2009-10 k ojv mMkwl Iju mOj Dj mOj n
y HjmLlb k kjC Iju F&kwJ ypj mMkwl mOj k
m# yv~ 31 c& 2010 k ycy mk SkwmWp 17,529 Dbk
Hj yvo nD , p 31 c& 2009 k m 9,709 Dbk DOk L ,
H n DHv Glcd MKj yvo m DY Y kc n~ J<& 200910 jbYk J Dj mlJl DHjbi k j JJm pil v
Hqyuk FM k pj 32,607 kj[ k HBp pF& , p k J<&
2008-09 k ojv pF& iF& m 14,617 kj[ H DOk L~
1.1.3
mJ #$ JMJk mkb m Gyjv k u cnlHC& uuHv

oK jn n~ J<& 2009-10 k ojv mku Iju GlHo cW mJ
#$ k iov 8.3 lMl op& k i (mbk- HJ& J<x 200308 k ojv n 10.1 lMl op& k i) ~ Iju cbi v mJ
#$W pm JJmk JnvW k J, muHv kvkMvW k
mbK cW J= Dj v&cC k&W v Jkm k il k yv jK~
y cbi Hj vY&j mJDW pm, H&k k Dv, y[ Dj cK
yvojinW Hj cu k {uF& Dj Dblj^ c&vu Hj $W
k DJicv cW J<& 2009-10 k ojv mOj nD~ H n
9
dm{fH$ [anmoQ>
J<& 2009-10 k ojv JoM mbmLil vJMkW v Yjl FqkwJ
ypj cW 1,12,236 kj[ H k vJM k~ n J<& 2008-09
k JHjl cnlJHC& mOj L, py JoM mbmLil vJMkW v
48,248 kj[ H HBp ypj m vku u L, p Jk
DL&JmL k kcpj k oM&l n~ Dkwyj 2008 m mlcyj
2009 k uilj yjn cnvW cb JJmk JmlDb k v&l
$Clck yv jn~ nubk Dkwyj 2009 cW Fmv cnlJHC& mOj
oM&l k, pmm DL&JJmL cW D cnlJHC& mOj k Puk
oKF& H[~ Iju DL&k kuHW cW mOj Dj lu k
kclb cb kc k kjC Yjl Dl cW vJcyj 2009 k k
yo m mOj nD~ HjCcl: Dl cb 47.9 lMl k lJ Jkm
omcyj 2009 m pv 2010 k y nD~
2008
k luv cW , py pJv yc JJm k cc cW 5.8

lMl k ijJ DF& L k JvmHl kuC[j J<& 2009 k
ojv n Sk cnlJHC& mOj L~ GlHo k DOj Hj, JvJM m
p[ yc GlHoW k HjbHjk GlHoW, pv Hj j&v k ijv
nl n k ckyu Dlvl Kjy o&Mv jn n~ pyk cc
DOkbM GYjl n ypjW JM<kj SM k oMW cW vjvlj
y{l n jn n H Oc il m n mn~ cK JvJMk k
H cW pJv yc kjv Ju kcHvW k Mj Dj $C ypj
k jkJj m uY nD n~ HBp ypj cW mOj Dv k kjC
uYol Dj pKc HBp k mLl cW Y mOj nD n~ Hjvl
n J mbk k HJ& k mLl cW DY lk vnR u n~
luk 1
J<& 2009 k ojv cc cW JmlJk Jkm
1.1.6 uIDJO k HBp Jn Dj mkjlck Jkm k kC

k kjC J<& 2009-10 cW H Sm [ k ckyu cpyl nD,
H n Dvljk DJcuv k oJy k kjC yv~ HBp
Jn k Hvj k J Sk Dmv DHl& k mLl Y Di
c k mbcl kjv k kjC yv~ H HBp-Jn JllH<C
k mcyvO cW u Kl cW Dvlj DlOk vnR L,, Jvc oj
k mjnv k iF& p Jvc oj k uuHv k oM&l n~ J<&
2009-10 k u Dml Jvc k oj (H /Dcjk [uj)
47.4 lMl L(J<& 2008-09 k ojv n 45.9 lMl L)~ J<&
2009-10 k ojv Yjl jp&J c YC][j cW 27.0 yuv
[uj k J= nF&(pmcW Hvc&ukbv uY Y Mcu n)~
Hvc&ubkv uY o kjkW k kjC nD pm, (1) Sm
[uj k mL- mL Dv omj cDb k Y DJcuv, pmcW
jp&J k iCv k pl n, Dj (2) mv k kclW cW J= p
J<& 2009-10 k DOkbM mc lk TB yv jn~
2.
2009-10
#$W/oMW
Dik oM
GYjl n ypj
SM
Yjl
J
pJv ij pJv
-0.6
-2.8
(lMl cW)
ku
-1.8
4.2
2.9
3.5
1.8
5.6
2.8
10.1
1.6
9.0
-2.0
-0.1
-1.1
l: qmJm j, mic mbK.3/2010. v kuC[j J<& 2009-10

1.2.3
mbk k ojv ij- pJv yc JJm Hj kF& cnlJHC&

YJ vnR H[~ JvJM H# cW nv k Dljkwl, cbi k Hl&
k u yc #$ k Hm DJMkl m DOk #cl n~ ccu
0.1 lMl k kc k mL ij yc cc J<& 2009 cW mLj
jn~ pyk Sm Dj jH cW ij pJv yc cc cW ijJ
DF&, JnR omj #$W cW Jkm Y nD~ JmlJk p [ H cb
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2002
2003
2004
2005
2006
2007
2008
9.1
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15.7
18.3
33.2
40.4
41.2
2.15
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2008-09 cW 25827 kj[ H L~
1.3.19
J<& 2009-10 cW 23 pJv yc kcHvW (pmcW Sk

mJ&pvk $ k kcHv Y Mcu n) cW m 10 kcHvW s
k DJO cW L~ yk y 9 kcHvW(pmcW Sk mJ&pvk $
k kcHv Y Mcu n) k J vc 17[ k DOv mc m
DOk J kjv k Mkl ip& L~
luk 10
Hjuv J : pJv yckl&
(kj[ H cW)
yckl&
Su DF& m
vp #$
ku
2008-09
9064.29
16763.03
25827.32
2009-10
Yilv k i uY
1.3.20: OrdZ ~r_m CmoJ Zo df 2009-10 _| . 95,833 H$amoS> Ho$
CVa gH$b bm^m| H$m ^wJVmZ {H$`m h (2008 _| . 58,527 H$amoS>)
{Oggo {H$ 36.10% H$m gH$b r{_`_ gwa{jV {H$`m J`m (df 2008 > Ho$ bm^
09 _o 26.39%) & {ZOr ~r_mH$VmAm| mam . 16,671 H$amoS
AXm {H$ò Jò (2008-09 _| . 6,025 H$amoS>), Omo{H$ 176.71% H$s
d{ H$mo XemVo h {Oggo {H$ gwa{jV r{_`_ 21.00% hmo OmVm h
(2008-09 _| 9.34%) & EbAmBgr Zo 2009-10 _| . 79,162 H$amoS>
Ho$ bm^ AXm {H$ò, {Oggo {H$ gwa{jV r{_`_ 42.54% hmo J`m
(2008-09 _| . 52,502 H$amoS >, Hw$b gwa{jV r{_`_ H$m 33.38%)
& OrdZ ~r_mH$VmAm| mam nwZ~u_m na ew . 95,578 H$amoS> nò
Xoò Jò (2008-09 _| . 58,370 H$amoS>) & g_nU/n`mhma Ho$ ImVo
_| A`{YH$ d{ XO H$s JB Omo{H$ EbAmBgr Ho$ . 22,395 H$amoS>
_| _wH$m~bo . 36,244 H$amoS > Wr VWm {ZOr jo H$s . 13,849 H$amoS>
Wr & JV df H$s VwZm_H$ gmp`H$s . 13869 H$amoS> Wr {Og_| go
EbAmBgr Ho$ . 9,723 H$amoS > VWm {ZOr jo Ho$ . 4,146 H$amoS> Wo
&
2009-10
12245.82
16561.11
28806.93
1.3.17: Su DF& m k u Hjuv J yc k i k mku

cc k 1 lMl y{kj 2008-09 k 5.76 lMl m 200910 cW 6.58 lMl n i~ nubk vp yckl&DW k Fmc
lJ ijJ k mcv kjv H[ Dj n 2008-09 k 25.99lMl
m ijkj 2009-10 cW 20.86 lMl n i~ Skk=l ku Gi
k H cW Hjuv J c 2008-09 k 11.65 lMl k ckyu
2009-10 cW n 10.85 lMl jn i~ J k DvHl k kc
kj Gl mlj Hj uv k k& y J J k oM - voxMW k
Dvmj n jn n, k vp yckl&DW k mY DJMk koc
Gl n yvOv Hj J k JOvk JOvW k Dvku uv
n~
luk 11
pk J k DvHl: pJv yckl&
(lMl cW)
yckl&
2008-09
2009-10
Su DF& m
5.76
6.58
vp #$
25.99
20.86
ku
11.65
10.85
Jqkwlil c=l oJ
1.3.21: pJv yc kcHvW v 7.26 uK Jqkwlil HumW
k vHj k(J<& 2008-09 cW n 6.05 uK L) Dj oJ k
H cW ku 5998 kj[ H k Yilv k (J<& 2008-09 cW
n 4798 kj[ L)~ DmJk=l oJW k mbK DY Y 14693
L(J<& 2008-09 cW n 12781L) pmk u 245 kj[ H
k Yilv kjv L(J<& 2008-09 cW n 180 kj[ H k
L)~ J<&vl cb uqcyl oJW k mbK 15892 (J<& 2008-09 cW n
16915) L, pmcW 286 kj[ H obJ Hj L (J<& 2008-09 cW
n 243 kj[ L)~ Fv oJW cW m 2180 Sk J<& m Y DOk
mc m JjOv L~ (kLv mb0 12)
JM<: pk J k DvHl: Jn DvHl n p pJv

yckl&DW j cc pv J k H cW K& k iF& n~
1.3.18
: o km yc kcHv k Dvljk JJmLHv uil

G nl n l Ok==l =DOnml#j vp yckl&DW k vc
17 [ m 22 k DOv Gvk JJm DjbY kjv k mc m HB
J<& k u s ov kjl n~
luk 12
Jqkwlil c=l oJ : pJv yckl& (2009-10)
yckl&
vp
Su DF& m
ku
ku
oJ
Yilv k
i oJ
DmJk=l
oJW
100.00
100.00
100.00
84.88
96.54
95.24
7.60
1.21
1.93
Hvu&Kl J<& k mcqHl

oJ Hj JjOv
oJ
0.04
0.84
0.75
7.48
1.41
2.08
18
3 cn m kc
68.66
36.75
49.53
( HumW k lMl DbkW cW)

JjOv oJW k JJjC
DJOvmj
3 cn m 6 cn 6 cn m 12 cn 12 cn m DOk
14.47
23.95
20.15
7.70
22.55
16.60
9.18
16.75
13.72
dm{fH$ [anmoQ>
2009-10
mcnk c=l oJ
1.3.22: vppJv yckl&DW k luv cW Su DF& m j oJ

vHv k DvHl Glj L ~ Gm J<& n oJW cW m 96.54
lMl k vHv Su DF& m k j k i ( J<& 2008-09
c n 95.48 lMl L), Jn vp yckl&DW v 84.88 lMl
oJ k vHv k ( J<& 2008-09 c n 82.26 lMl L)~
1.3.23:
pJv yc kl&DW j ku oJ 305739 cW m 309151
oJ k vHv J<& 2009-10 k lnl k i~ mll oJW cW m
vp pJvyckl&DW j DmJk=l k i oJW k lMl

DmJ k = l oJW k mW K
7.60 ( J<& 2008-09 c n 9.97 lMl ) k DH# Su DF& m
(kLv mb0 13)
j DmJk=l k i oJW k lMl yuku kc uiYi 1.21
lMl L( J<& 2008-09 c n 1.33 lMl L) ~
luk 13
mcnk c=l oJ : pJv yckl& (2009-10)
yckl&
vp
Su DF& m
ku
Hvu&Kl J<& k mcqHl

oJ Hj JjOv
oJ
1520
D j l Ml
0.49
L ~
( HumW k lMl DbkW cW)

JjOv oJW k JJjC
DJOvmj
3 cn m 6 cn 6 cn m 12 cn 12 cn m DOk
ku
oJ
Yilv k
i oJ
DmJk=l
oJW
100.00
96.80
1.61
0.02
1.58
71.00
11.16
9.94
7.90
100.00
99.80
0.01
0.00
0.19
47.89
20.60
16.13
15.38
100.00
98.90
0.49
0.01
0.61
66.03
13.19
11.27
9.51
3 cn m kc
OjC DvHl
1.3.24:31 c& 2010 lk pJv yc kl&DW v ku o oJW k

98. 90 k vHv k, (J<& 2008-09 k ojv n 98.63 lMl
1.3.26:
L) pyk 0.61 lMl (J<& 2008-09 k ojv n 0.81 lMl

L)vHv k u JjOv jn i ~ Su DF& m v 96.80
lMl mcn c=l oJW k vHv k (J<& 2008-09 k ojv
n 92.51 lMl L)~ Jqkwlil HumW k luv cW n Dml
kH TB L~
HbjHjk H m Su DF& m DHv JJm k ks Yi

k n Hvy&c kjl n~ J<& 2009-10 k ojv Hvy&c k H c
95 kj[ H k jM Hl nF& p k J<& 2008-09 cW 101
kj[ H L~ Gm kj m vp pJvyckl&DW k JJm
k Sk s m Yi n Hvy&cl k pl n, pmcW Hvy&c
uY k cnlJHC& Ik mcnk yc k H cW nl n~ vp
pJvyckl&DW k mL Hvy&c k cc k H cW 407 kj[
H (J<& 2008-09 cW 101 kj[ H ) Hl k~ Fm mboY& cW
lLW k Duk cW n Jj kjv clJHC& ni k v ubkw[
GlHoW m mcyvOl JvJM pKc k ycOjkW j Jnv
k pl n Dj v JJm k cc k Sk cnlJHC& nmm
Gi j J<& 2009-10 cW Hl v ubkw[ ] GlHoW k H cW
k i~
JvJM m Hl D
1.3.25: pJv yc k Hjuv mLlJ k Hl kj ul n, l
Fmm Gvk JvJM k cl cb cpyl Dl n, pmk

HjCcmJH Gvk ku D cW JvJM m Hl D k DvHl
cW J= n pl n~ J<& 2008-09 k 42,804 kj[ k luv cb bJ<&
2009-10 cW Su DF& m j JvJM m Hl D kH TB
uiYi 112425 kj[ H L~ ku D cb J<& 2008-09 k
21.37 lMl k ckyu J<& 2009-10 cW Fmk lMl 37.64
L ~ JvJM m Hl D cW mH cv k H cW Hvc&ubkv /
HjJl&v Hj mLvljC/ uY m Hl D Y Mcu n~& J<&
2008-09 k 10416 kj[ H k luv cW 2009-10 cW vp
pJvyckl&DW k JvJM m Hl Glj D pmcW HBpil
uY Y Mcu n 42843 kj[ H L~ J<& 2009-10 cW ku
D k lMl k H cW Fmk lMl 30.70 L~
pJv yckl&DW k uY
1.3.27:
pJv yc Gi mIv HBp Ov Gi n Dj yckl&DW

j vcl Dvlju Hj HBp vJM k DJMkl v JJm
k OjC kjv J DOjYl mbjv , pmcW Dvljk yvOv,
Jljv vu k Jkm k u DJMk M#C J ynlj
ypj k vc&C Dj Gl mlj k vjvljl k pjl nl
n~
19
dm{fH$ [anmoQ>
2009-10
1.3.29: 31 c& 2010 lk pJv yc kcHvW k ku nv
20143 kj[ H L , p J<& 2008-09 k ojv 17,304 kj[
JMJk DOj Hj yc ypj k DvYJ n yll n k pJv

yc #$ k kcHvB { nv k u 7-8 J<X k mc ul n~
H L~
1.3.28: J<& 2009-10 k ojv k&j 23 pJv yc kcHvW cW
m 8 kcHvW v uY oM&l k n pm, Su DF& m, DF& m
MjOjkW k o i uYbM
DF& m DF& [qvMu, kk cnv, Sm y DF&, c uF&H,

ypp Suvp, mnj FC[ Dj Siv juij ~ Yjl
pJv yc vic v 1061 kj[ k M uY Dp&l k n , p
k J<& 2008-09 k 957 kj[ k ckyu 10.80 lMl DOk
n~ uilj D J<X lk I cW jnv k yo DF& m DF& m DF&
[qvMu v 258 kj[ H k uY Dp&l k n~ kk
cnv v uilj o J<X m 69.22 kj[ H k uY Dp&l
k n, Fmv Lc yj J<& 2008-09 cW uY Dp&l k L~ Sm
y DF& uF&H v 2008-09 k 26.31 kj[ H k DH# Fm
J<& 276 kj[ H k uY Dp&l p n~ Sm y DF& uF&H v
uilj lv J<X lk uY Dp&l kjv k kl&cv yv n~
Fmv J<& 2005-06 Dj 2006-07 cW uY Dp&l k L~ c
uF&H v 25.06 kj[ H k uY Dp&l k n~ yckl&
Jil 3 J<X m uilj uY Dp&l kjl D jn n~ nubk c
uF&H J<& 2007-08 m 2008-09 c ycOjkW k Kl cW nv
oM&l kjl jn n~ J<& 2008-09 k 18015 kj[ H k
nv m Gyjl n mnj Fv[ v 36.15 kj[ H k uY
Dp&l k n~ mnj Fv[ v J<& 200-08 c Lc yj uY
oM&l k L~
1.3.30: J<& 2009-10 c Su DF& m v Yjl mjkj k uYbM k

H cW 1031 kj[ H Do k~ n Gm J<& Dp&l Fmk
uY k ku 97 lMl L~ 2008-09 cW Su DF& m v Flv n
lMl k uYbM p k 929 kj[ H nl n Kpv cb pc
kjJF&~
1.3.31:
J<& 2009-10 k ojv km Y vp yc kcHv v

uYbM k JljC vnR k~ n mLl il J<& 2008-09 k mcv
n jn ~
luk 14
Jljl uYbM : pJv yckl&
(kj[ H cW)
yckl&
2008-09
2009-10
mJ&pvk
929.12
1030.92
vp
ku
929.12
1030.92
k&uW k Jmlj
Siv juij v DHv DjbY k J<& 2008-09 m uilj omj J<&

cW uY kc n~ Fm kcHv v J<& 2009-10 k ojv ku 3.82
kj[ k uY kc n(J<& 2008-09 c n 4.08 kj[ L)~
nubk Siv juij ycOjkW k SkGv c J<& 2008-09
Dj J<& 2009-10 cb nv oM&l kjl jn n~
1.3.32: Hvv&j#C k J<X cW Yjl c pJv yc kcHvW k

k&u k qkwlHC& yvv k Dvouv u nD L~ J<& 200809 cW pnB Su DF& m v 200 v k&u Ku , JnR vp
kcHvW k k&uW k mbK 8785 m Ikj 8768 jn iF&~
DOkbM vp Ku[ Hjuv J k Hvv&O&jl kjl n
Gm qkwlmbil yvv Hj p jn~ J<& 2000 cW Fm #$ k Kuv
k yo m vp pJv yc kcHvW k k&uW k mbK k
Jkm cW Lc yj $Clck Jkm oK i n~ J<& 2008-09 cW
vp pJv yc kcHvW k k&uW k mbK k Jkm
37.46 lMl k oj m nD L~
ypp Suvp v J<& 2009-10 cb 542 kj[ H k uY

oM&l k n~ jc uF&H v uilj j J<X lk uY kcv
k yo Lc mbuv k HB J<X cW Lc yj J<& 2009-10 cb
18.06 kj[ H k nv oK n~ (JJjC mb0 20)
luk 15
pJv yc k&uW k mbK
(31 c& 2010 lk)
yckl&
2010
2009
2008
2007
vp
8768
8785
6391
3072
Su DF& m
3250
3030
2522
2301
ku
12018
11815
8913
5373
Okj k Dvcl k yo Ku i k&u
JM< 1) JM< j&v k cOc m Dk[W k mbnC~
2)yc DOvc 1938 k Oj 64 J m k Dvli&l HjY<l k&u k HjY<vmj~
20
2006
1645
2220
3865
dm{fH$ [anmoQ>
1.3.33:
c^W Dj Mnj #$W k Dj Ov ov k kjC pJv

yc kcHvW k k&u k ynul D& - Mnj s Mnj,
p J cb$u k S Dj S cW my vnR n, cW n~ Fv #$W k
2009-10
JYpv k mcyvO cW mJ&pvk Dj vp #$ ovW kj k

pJv yc kcHvWW k mbcyvO cW n yl mcv H m Ov ov
i n~
luk 16
pJv yckl&DW k k&uW k JljC (31 c& 2010 lk)
c^W
Mnj
D& - Mnj
Dv
yckl&
897
1555
3607
2709
vp
Su DF& m
347
550
923
1430
ku
1244
2105
4530
4139
Okj k Dvcl k yo Ku i k&u
JM< 1) JM< j&v k cOc m Dk[W k mbnC~
2) yc DOvc 1938 k Oj 64 J m k Dvli&l HjY<l k&u k HjY<vmj~
c^W ouu, ccyF&, VF&, kukl, nojyo Dj ybiu
Mnj S Dj S k JiakjC k m k Dvmj S, y-1, y-2, kj k Mnj~
D& - Mnj S Dj S k JiakjC k Dvmj m Ji& k Mnj~
Dv J mLv p S Dj S k JiakjC cW mqccul vnR n~
pJv Dj ij pJv yckl&DW k u uYo
ku
8768
3250
12018
~mg _X 1
pJv yc JJm k k=l oI&JOk k n Dj Fmk uYo Sk cK JjC J< n, p Dvk kjkW Hj vY&j
kjl n pm k ( Jp oj cW HjJl&v, Hl c=l oj, Dljkwl oj Do) Dj Fmk iCv YV ljn m k pl n~ JJm
k DmLj k=l k Dljkwl, ynl mj Dvljk J k kjC yc kcHvB yk mc yvo lk Hnbv cW ks J<X k
mc ul n~ vp Yioj k u yc #$ k Kuv k HjCcmJH , kcHvW k mbK cW y{lj n jn n ~ uY
Dp&l kjv Ju kcHvW k mbK Y y{l n p jn n, H , mkjlck HjCc ov kjv cW ks mc ui jn n~
yc kcHvW k y J J m HbpkjC k mc uiv Ju Muk k Hv cW ks mc ui jn n~ J<& 2009-10 k ojv
pJv Dj ij pJv yc kcHvW k u Dui- Dui uYo k mLl k mjbM v o p jn n~
pJv yc #$
Hnu o J<X k j kcHvW k DH# J<& 2009-10 k ojv 22 pJv yc kcHvW cW m 7 v kj Do kjv k yo uY
k mLl k Hl k n~ J<& 2009-10 k ojv pv ml kcHvW v uY Hl k n GvcW m lv kcHvB uilj
o J<X m uY Dp&l kj jn n~ Ov ov i cnlJHC& yl n n k pJv yc #$ cW Ovlck mLl cW HnB jn
kcHvW k mbK cW J= k m# jn n~ vJivlk kcHvW k s[kj, pvk J k mlj DjbYk J<X cW lJ nv
k kjC yv n~ Hnu m Jcv kcHvB pvnv Fm J<& nv oM& n Y DHv nv k c$ k Iv k mLl cW n,
o Gvk nv k luv il J<& m k pl n ~ n #$ il J<& k JMJk cvo k YJ m Gyjv cW m#c n(pmk
HjCcmJH c$ 10. 15 lMl k Jkm nD L)Dj Gm J<& 19.69 lMl k Jkm oj Hl k L Dljkwl HBp
2766 kj[ H p J<& 2009-10 k ojv JvJMl k iF& ~ Hjvl DOkbM kcHvW k u yk mc Jvo Gvk Yjl
cW yc JJm DjbY kjl mc uF&mWm k u DJov k mc m Di y{ i n~ H n Sk mjnv vn n , Hjvl
Fmk DHv mcmSB n~
21
dm{fH$ [anmoQ>
2009-10
cc cW Jkm k mL n kcHvW k MKDW k vJk& JYi Dj yc kjv Ju JYi k Jmlj Dj DHv Hum
yvOv k DOvk kjv cW vJM kjv n~ H HBpil J cW ks J= oKF& o , Hjvl yvOv J cW J=
JM<kj JJm qHl J cW cnlJHC& J= nF& n~ Fmk HjCcmJH Hjuv uil y{ n~ mL n kcHvW v l
F&kF& cc k yvOv J k mlJl mc cW J= k n~ J k Jkm oj v cc k Jkm oj k oy o n~
Fmk Dljkwl, y{ nD uHm oj cc qHl k cnlJHC& {bi m YJl kjl n(Fm ljn uYo k Y) Dj l
Hum H&Hl cu k OjC kjv k Y YJl kjl n~ cjCMul DvYJ v kcHvW k uYo k cnlJHC& {bi
m YJl vnR k n, kwWk DvYJ JHjl vnR jn n~
kj Yilv kjv k yo Jil HB J<X k ojv vp #$ k pJv yc kcHvW k n uY/nv k JJjC v o iF&
luk cW o i n~
vp #$ k pJv yc kcHvW k mbK Gvk uYo k mcvmj*
uY/nv mc(kj[ H cW)
1000 m kc
(500)- (1000)
(400)- (500)
nv (300)- (400)
(200)- (300)
(100)- (200)
0- (100)
0- 100
100- 200
uY 200-300
300- 500
500 m DOk
2005-06
2006-07
Mv
Mv
Mv
Mv
Mv
Mv
2008-09
1
4
2
1
2
2
5
4
2009-10
5
6
2
2007-08
1
1
1
1
4
2
3
4
Mv
4
8
2
Mv
Mv
Mv
Mv
Mv
Mv
Mv
Mv
Mv
Mv
Mv
Mv
Mv
Mv
Mv
Mv
Mv
15
17
21
22
1
1
Mv
ku
14
*ycOjkW k Kl cW nv Hj Jj k yv~
Mv
Mv
3
2
3
2
5
4
2
Mv
1
ycOjkW k Kl k ^v[ pmk HjCcmJH yckl&DW k DOk/vv H cW uY/nv nl n Gm kj, pm

kj DbMOjk k Kl cW nl n~
ij pJv yc #$
J<& 2009- 10 k ojv 13 vp ij pJv yc #$ k kcHvW cb m 7 v kj Do kv k yo uY oM&l k , pyk
J<& 2008-09 cW n mbK 6 L~ J<& 2009 10 k ojv 7 kcHvW cW m 6 v uilj j J<W m& uY Dp&l kjv k jk[&
yv n~ n yl mJ&pvk #$ k j GcW (H Sm ) Hj Y ui nl n~ pyk lv H Sm v il J<& kj Do kjv
k yo Dl cnlJHC& uY Dp&l k , JnR L kj Do kjv k yo H Sm v il J<& 2008-09 k ijJ m cnlJHC&
{bi m Gyjl n DHv mLl k cpyl k n(nv Hl kjv k mv L)~ ku cukj ij pJv yc #$ Lc Hj
J<& k HC& cvo k mbkku m Gyjv cW H&Hl H m m#c jn n ~ Fmk Puk Gi k ku oM&v m cul n pnB
Fmv cc D cW 13.96 lMl k J= op& k p J<& 2008-09 cW 9.11 lMl L~ ij pJv #$ k mLl cW
Dkb#l yk mc yvo cW HbpkjC k mc DOml#j k mc# mll DJov H$ Dj 1 cW kJ oKF& H[l n~
nubk pJv yc #$ k luv cW ij pJv yc #$ cW n kJ DH#k=l kc oKF& H[l n~ yk mc yvo k y[
DJjOk k H cW J k y{l mlj Dj JMu yckjC nv n~
22
dm{fH$ [anmoQ>
2009-10
kj Yilv kjv k yo Jil HB J<X k ojv vp #$ k ij pJv yc kcHvW k n uY/nv k JJjC v

o iF& luk cW o i n~
vp #$ k ij pJv yc kcHvW k mbK Gvk uYo k mcvmj**
uY /nv mc(kj[ H cW)
> (200
nv
uY
2005-06
2006-07
2007-08
2008-09
2009-10
Mv
Mv
Mv
Mv
Mv
Mv
4
2
0 - (100)
Mv
Mv
Mv
0 - 100
100 - 200
> 200
Mv
Mv
Mv
Mv
Mv
Mv
Mv
Mv
10
12
13
(100) - (200)
ku
**mJmL yckl& Mcu vnR n~
1
3
6
6
1
5
5
2
luk 17
Yjl cW ku mku cc D: ij pJv yckl&
(kj[ H cW)
yckl&
2008-09
2009-10
mJ&pvk
18030.74
20643.45
ij pJv yc
1.3.34 : 31
c& 2010 lk 23 mcv pJv yc kcHvW k

oM cW ij pJv yc kW& k mbuv k u uF&mmb ov
k i L~ pvcW m 6 mJ&pvk #$ m Dj M< vp #$
cW k n~ mJ&pvk #$ k o kcHvB cW m o kcHvB yc
JM<% n : Sk GOj yc(F& p F& m) k u Dj omj Hmu
yc k u( S DF& m)~ vp #$ k 17 kcHvW cW m o k
J<& 2009-10 k ojv uF&mWm ov k i (GHKC[ 1)~
vcvuKl HjH cW JJm oM&v c JM<% Dj mJmL
yc #$ k lv kcHvW k JJjC Mcu n~
vp
ku
(7.12)
12321.09
(12.09)
30351.83
(9.09)
(14.49)
13977.00
(13.44)
34620.45
(14.06)
JM<: k cW o i Dbk il J<& k Jkm k oM&l n(lMl cW)~

1.3.36 : J<& 2009-10 cW 13
vp #$ k yckl&D j Jmu
k iF& cc k ku jM 13977 kj[ H L p k J<&
2008-09 cW 12321 kj[ H L~ DF& m DF& m DF& ucy[&
mym y[ vp ij pJv yc kcHv k H cW , pmk ypj
nmm 9.52 lMl n, ll n, nbuk Fmk ypj Yi
2008-09 cW I kj 11.21 lMl Hj D i L~ ypp Suvp
omj mym y[ vp ij pJv yc kcHv k H cW ku 2482
kj[ H cc k H cW Hl k, mL n n DHv ypj
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lMl k iJn yv~ 13 kcHvW cW m 11 v DHv cc qHl
cW J= oK(J<& 2008-09 c 10 cW m 9 v)~ o ij pJv yc
kcHvW v J<& 2009-10 c DHv JJm M k n~
cc
1.3.25: ij-pJv yc Gi
v ku cc k H c J<& 200910 k ojv 34620 kj[ H Dp&l k p k il J<& 200809 cW 30352 kj[ H L, Fm ljn Fmc il J<& k 9.09
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ckyu ynl kc J= L~ n JJjC Gi cW oj k k[Hv k
ml kjl n~
1.3.37:
mJ&pvk #$ k ij pJv yckl&DW k mcyvO cW

j kcHvW v DHv JJm k Jkm k J cc cW J=
op& k~ J<& 2008-09 k DH# J<& 2009-10 c b Djvu
FvMjvm J vF&[ FvMjvm k ypj DbM cW J= nF&, pyk
vMvu Dj v Fv[ k DbM cW ijJ DF&~
23
dm{fH$ [anmoQ>
vF&[ FvMjvm v il J<& 2008-09 k 4278 kj[ k cc
k ckyu J<& 2009-10 cW 5239 kj[ H cc k H cW
Hl k~ pmk youl Fmk ypj DbM cW J<&2008-09 k
14.09 lMl k ckyu J<& 2009-10 cW 15.13 lMl k mOj
2009-10
nD~ Fmv 22.47 lMl k Jkm op& k, p k J<&200910 cW Gi k Dml Jkm oj m DOk n~ v Fv[ FvMjvm
6043 kj[ H k cc Dp&l kjv k mL Yjl k
mym y[ mOjC pJv yc kcHv n pmk ypj nmm
17.45 lMl k n~
luk 18
Yjl cW ku mku cc D
ku
(kj[ H cW)
vMvu
v Fv[ FvMjvm
Djvu
vF&[
ku
ju mvojcd
jubm
DF& SH SH m D k
S DF& p
DF& m DF& m DF& ucy[&
ypp Suvp
ucC[uc
S [ SH m Sji
Hwj pvju
vJm&u mcH
jc
Yjl Skwm S
jnp kw y F&
JM<: - ku
mbHC&
ypj Mj
(lMl cW)
2009-10
2008-09
2009-10
2008-09
4625.18
6042.51
4736.71
5239.05
20643.45
913.11
1979.65
1457.84
853.80
3295.06
2482.33
784.85
915.40
376.61
189.28
416.93
310.82
1.32
13977.00
34620.45
4279.90
5508.83
3964.23
4277.77
18030.73
803.36
1914.88
1374.06
823.92
3402.04
2619.29
685.44
339.21
186.49
30.14
113.76
28.50
12321.09
30351.82
13.36
17.45
13.68
15.13
59.63
2.64
5.72
4.21
2.47
9.52
7.17
2.27
2.64
1.09
0.55
1.20
0.90
0.00
40.37
100.00
14.10
18.15
13.06
14.09
59.40
2.65
6.31
4.53
2.71
11.21
8.63
2.26
1.12
0.61
0.10
0.37
0.09
40.59
100.00
v: '-' mbuv cW vnR yll n
luk 19
(Yjl cW) ij pJv yckl&DW j Hl k
iF& Ji&vmj cc (kj[ H cW)
Ji&vmj cc
1.3.38: cj JJm 43.46 lMl Mj k mL ij pJv yc
KC[ k mym y[ nmm jni (J<& 2008-09 c n 43.94
lMl L)~ Fmv 12.83 lMl k Jkm oj nmu k
jni (J<& 2008-09 c n 5.13 lMl L)~ mJmL #$ cW
cc mbn ncM k ljn J= k jn p k J<& 2008-09 k
6088 kj[ k ckyu J<&2009-10 cW 7311 kj[ k jn Dj
Fmk Jkm k oj 22.09 lMl jn ~ Fmk HjCcmJH
mJmL yc KC[ k ku cc cW 21.12 lMl k y{lj
nF& p k J<& 2008-09 k ojv 20.06 lMl L~ mJmL yc
KC[ k Jkm k oj ij pJv yc Gi j Hl ku Jkm
oj m knR DOk L~ J<& 2007 cW [- ^Hbi k yo m Hj
Dj cjv KC[ m Hl cc J<& 2009-10 k ojv Y mLj
jnR~
JYi
Di
mc
Jnv
mJmL
Dv
ku cc
2008-09
3383
(11.14)
1956
(6.44)
13336
(43.94)
6088
(20.06)
5588
(18.41)
30352
(100.00)
2009-10
3869
(11.18)
2168
(6.26)
15047
(43.46)
7311
(21.12)
6225
(17.98)
34620
(100.00)
JM<: k cW oM&& i cv mcyvOl KC[ c ku cc k

oM&l n(lMl cW)~
24
dm{fH$ [anmoQ>
Yjl m ynj Hl cc
1.3.41:
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cc k ku jM 1195 kj[ H (J<& 2008-09 cW 947
kj[ H)cW v FC[ v mym DOk cc 1075 kj[
H Hj kyp pc n p Yjl m ynj ku mJ&pvk #$ k
kcHv j k i ij pJv yc #$ cW cc mym DOk
cc Dp&l k n p J<& 2008-09 k 87.96 lMl m y{kj
88.39 lMl n i n~ vMvu FvMjWm v 20.81 kj[ H
k yc k (J<& 2008-09 cW 15.95 kj[)~ Djvu FvMjWm
j Yjl m ynj k i yc m cc k H cW 118 kj[
H Dp&l k p k il J<& k 114 kj[ H m DOk n
Dj Fmk Jkm k oj 3.81 lMl n~
1.3.39:
kJu mJ&pvk #$ k yckl& (vF&[ Fv[ k

s[kj) ij pJv yc k JJm Yjl k ynj kj jn L ~
J<& 2003-04 m (vF&[ Fv[ v DHv ynj Hjuv yvo
kj o n~ lv mJ&pvk #$ k yckl&DW j Yjl k
ynj mbul kjl n cc k H cW J<& 2009-10 c ku
1195 kj[ H Dp&l k p k J<& 2008-09 cW 1077 kj[
H L~ Fmv 11.04 lMl k Jkm oj Hl k, (il J<&
n 9.70 lMl L)~ Yjl ij pJv yc kcHvW j Yjl
m ynj yc kjl n Dp&l k cc k jM Fvk ku
Dp&l cc k 3.34 lMl n~
pj k i Hum
luk 20
ku cc cW Yjl m ynj k cc k DvHl
(lMl cW)
yckl&
2008-09
2009-10
vMvu
0.37
0.45
v FC[
14.67
14.88
Djvu
2.79
2.43
vF[*
-
1.3.42: ij pJv yc kcHvd j ij pJv yc #$ cW J<&

2008-09 k 671 uK HumW k mLv Hj J<& 2009-10 cb
ccu 0.64 lMl k J= kjl n ku 675 uK HumB
J k i n~ Hum pj kjv k mbK cW pj J= oj

J<& 2008-09 k J= oj m pj k iF& HumW k ckyu
ynl n L, p k 17.13 lMl L~ vF& HumW k pj
kjv J= oj cW cb D cvo k kjC Lck H m mJ&pvk
#$ k yc kcHvB L , pmv il J<& vF& HumW k pj
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kcHvW v vF& HumW k pj kjv cW 9.86 lMl k Jkm
oj Hl k , H il J<& pj k i HumW k ckyuW
n DY Y kc n~
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1.3.40:
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kcHv yv nF& pmv Yjl m ynj yc k n Dj J<& 200910 k ojv Fmk j Hl cc k ku jM k 14.88
lMl Yjl m ynj p i yc m Hl nD n~ Djvu
k Yjl m ynj k ku cc cW 2.43 lMl k iov jn
n p k il J<& 2008-09 k 2.79 lMl k DH# L[ kc n~
DJjmp JJm c vMvu FvMjvm kcHv k iov ynl
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lMl m L[ DOk L~
luk 22
vF& pj HumB: ij pJv yckl&
yckl&
mJ&pvk #$ cW
luk 21
Yjl m ynj n JJm m Hl mku l# cc
(kj[ H cW)
yckl&
2008-09
2009-10
vMvu
15.95
20.81
v FC[
Djvu
vF&[*
ku
2009-10
(8.22)
946.95
(8.22)
113.64
(23.43)
(30.49)
1056.63
(11.58)
117.97
(3.81)
1076.54
(9.70)
1195.41
(11.04)
vp #$ cW
ku
2008-09
451.37
(17.09)
219.22
(17.21)
670.60
(17.13)
(uK cW)
2009-10
434.04
(-3.84)
240.84
(9.86)
674.88
(0.64)
JM<: k cW oM& i cv mcyvOl KC[ c ku cck

oM&l n(lMl cW)~
o HBp
1.3.43: 31 c& 2009 lk ij pJv yc kcHvW k ku o
HBp 4829 kj[ H L~ J<& 2009-10 cW ij pJv yc kl&DW
v 885 kj[ H k i (mY vp #$ k kcHvW v)
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H$s Hw$b Xm nyO
r _mM 2010 Ho$ AV _| 5684 H$amoS> nò hmo JB &
J<& 2009-10 c mJ&pvk #$ k yc kcHvW k o HBp
HJ& k YBl 550 kj[ H n jn~
JM<: k cW oM& i cv mcyvOl KC[ c ku cc k

oM&l n(lMl cW)~
*J<& 2003-04 c mbuv k yvo kj o~
25
dm{fH$ [anmoQ>
luk 23
o HBp : ij pJv yckl&*
Dj Hvy&ckl& (31 c& lk)
(kj[ H cW)
2009
2010
550
550
2533
3160
ij pJv
mJ&pvk #$ M
vp #$
c kc oKF& H[l n p k 10.78 lMl n(J<& 2008-09 k

ojv n 36.52 lMl L) ~ n cvo ij pJv yc k
mJ&pvk Dj vp ovW kj k kcHvW c l# nD~
luk 24
yc kjv cW nv: ij pJv yckl&
(kj[ H cW)
JM<% yckl&
SH m p m
S DF& m
2009
4226.90
(28.06)
1096.87
(83.14)
5323.77
(36.52)
mJ&pvk #$
900
900
200
200
vp #$
mJmL pJv yc
mj nuL
DHu cvK
ckwm yH **
2009-10
ku
2010
4541.18
(7.43)
1359.51
(23.94)
5900.69
(10.78)
109
164
107
129
Hvy&ckl&
151
JM<: k cW oM&& i cv mcyvOl KC[ cb ku cc k

oM&l n(lMl cW)~
430
430
ij pJv yckl&DW k J
4829
5684
p DF& m
ku
v: *JM<% mbmL mqccul
**J<& 2009-10 c Hjuv DjbY
1.3.45:
J<& 2009-10 k ojv mJ&pvk Dj vp #$ k ij

pJv yc kcHvW k kcMv J cM: 1823 Dj 677 kj[
H jn n, pmk ku i ij pJv yc #$ cW 2503 kj[
H n~ kcMv J mym DOk Jnv KC[ cW jn n p k
808 kj[ H n, Dj pmcW mJ&pvk Dj vp #$ k
Yioj cM: 519 kj[ Dj 289 kj[ H k n~
yc kjv k DvYJ
1.3.44:
ij pJv yc kcHvW k yc kjv k nv il J<&

2008-09 k 5324 kj[ H m y{kj J<& 2009-10 c 5901
kj[ H Hj HnB n n~ nubk yc kjv k nv k J=
luk 25
kcMv J: ij pJv yckl&
(kj[ H cW)
vp #$
KC[
mJ&pvk #$
ku
2008-09
2009-10
2008-09
2009-10
2008-09
2009-10
Di
59.79
60.79
204.81
239.86
264.60
300.65
mc
42.28
40.51
120.66
123.26
162.94
163.77
Jnv
259.69
289.48
528.41
519.09
788.10
808.57
mJmL
170.79
129.76
418.7
486.17
589.49
615.93
Dv
150.24
156.36
398.28
457.43
548.52
613.79
ku
682.79
676.9
1670.86
1825.81
2353.65
2502.71
26
dm{fH$ [anmoQ>
1.3.46 :
H n i~ J<&2009-10 k ojv ku Jnv k i oJ 12.74

lMl k J= k oM&l kjl n~ pyk mJ&pvk #$ k
yckl&DW j Jnv k i oJ vvlc J= 9.75 lMl L
JnR vp #$ k yckl&DW k u n ynl DOk 19.47
lMl L~ nubk J<& 2009-10 k ojv Jnv k i mcHC&
oJ 12.74 lMl L p k Hsu J<& k 20.44 lMl m ynl
kc L~
kcMv J Dj Hjuv J ku J k cnlJHC&

Yi n~ ij pJv yc kcHvW k Hjuv J J<& 2008-09
k 7346 kj[ H m y{kj J<& 2009-10 cb 13.95 lMl k
oj m J= kjl n 8392 kj[ H n i ~vp #$ k
yckl&DW (3.72 lMl) k luv cW mJ&pvk #$ k
yckl&DW (21.05 lMl) k mbuv J ynl n DOk n~
luk 26
mbuv J: ij pJv yckl&DW k
(kj[ H cW)
yckl&
mJ&pvk #$
vp #$
ku
2008-09
2009-10
4347.21
5262.59
3017.22
3129.61
7364.43
8392.20
2009-10
luk 27
Jnv k i ku oJ: ij pJv yckl&
(kj[ H cW)
yckl&
mJ&pvk #$
vp #$
JM<: mJ&pvk #$ c F& m p m, S DF& m Dj i DF& m
k mqccul vnR k i n~
ku
1.3.47 :
yc DOvc 1938 k Oj 40 m k DOv kF&

yckl& km Y J<& yvOv Hj J yc vc 1939 k Oj
17 SH k DOv mlJl mc m DOk vnR kj mkl n~
yc vc 1939 k Oj 17 F& J k mc k Jmlj kjl
mc yckl& k Gc Dj Dkj Hj Jj kjl n~ KC[ 64
SH k DOv mOjC yc mbmL j Dvcov Hj Hm k i
DOkj mc k km Y J<& y{ mkl n~
2008-09
2009-10
13637.79
14967.23
(12.48)
(9.75)
6079.16
7262.49
(43.16)
(19.47)
19716.95
22229.72
(20.44)
(12.74)
JM<: k cW oM& i cv mcyvOl #$ cb ku Jkm k

oM&l n(lMl cW)~
1.3.51:
k Gvk DjbY nv k ljK m 5 J<X k u s ov k

n~
il J<& k mcv n J<& 2009-10 cW ij pJv yc Gi

Jnv k i oJ k DvHl 86 lMl (ku cc cW Jnv
k i ku oJ) jn n~ vp Dj mJ&pvk #$ k
yckl&DW c mJ&pvk #$ k yckl&DW k j luvlck
H m oJ Jnv k DvHl 88.27 lMl jn n (J<& 2008-09 cW
n 91.30 lMl L)~ `hr {ZOr jo Ho$ ~r_mH$VmAm| Ho$ {bE 8.30
{VeV Wm (df 2008-09 _| 76.89 {VeV)
1.3.49 : 22 ij pJv yc kcHvW cW m (pmcW j mJ&pvk
1.3.52:
1.3.48 : vc 17 F& k DOv DOnml#j v 15 vp yckl&DW
JYV KC[W cW mJmL yc cW Glj oJ DvHl

uiYi 111.13 lMl k L~ il J<& oJ Jnv 105.95 lMl
k luv cW Jl&cv J<& cW J= nF&~ omj KC[ pmv TBlj
oJ DvHl mll k Jn n cj #$ pmcW 84.51 lMl k
oJ Jnv k i, H n J<& 2008-09 k ojv Jnv k
i oJb k DvHl k luv cW kc 88.84 lMl L~ mc
#$ k oJ Jnv DvHl cb H&Hl kc J<& 2008-09 k 102.90
lMl m J<& 2009-10 cW 78.08 lMl oKv k cu~
#$ k F&kF&B J o JM<% mbmL Y mqccul n ) D J<&

2009-10 k ojv s k DJO cW n~ yk y cW m 4 k J
vc 17 k DOv mc k mbyvO cW Mkl op& n~
Jnv k i oJ k DvHl
1.3.50: ij yckl&DW j Jnv k i ku oJ J<& 2008-09
k 19717 kj[ H k ckyu J<& 2009-10 cW 22230 kj[

27
dm{fH$ [anmoQ>
2009-10
luk 28
Jnv k i oJW k DvHl (Ji&vmj)
(lMl cW)
mJ&pvk #$
Ji&vmj
Di
mc
Jnv
mJmL
Dv
ku
2008-09
75.86
101.05
98.90
116.60
52.69
91.30
vp
2009-10
81.10
75.50
87.84
119.85
56.59
88.27
2008-09
75.16
109.20
75.67
85.33
59.26
76.89
1.3.53 mY ij pJv yc kbHv k vJM D 2009-10 k

ojv 7.688 kj[ ( 5.891 kj[ 2008-09 cW) p k Hsu J<& k
ckyu 30.50 lMl DOk op& k iF& nQ ~ mc# J<& k ojv ,
vp SJb mJ&pvk #$ k vJM D cb cM: 22.86 SbJ 32.24
lMl k GHj Gsu D n ~ n 2008-09 k k D k JHjl
n py mJ&pvk #$ v D cW 23.10 lMl k kc op& k L ~
vp #$
ku
2009-10
4799.78
(-23.10)
1091.20
(47.05)
5890.98
(-15.65)
6347.27
(32.24)
1340.67
(22.86)
7687.94
(30.50)
2008-09
75.72
102.90
88.84
105.95
54.15
86.30
2009-10
79.91
78.08
84.51
111.13
56.64
85.50
1.3.56
vp #$ k ljn kcHvW cW ml v M uY Dp&l

k , Jn yk y 6 kcHvW v J J<& 2009-10 k ojv
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k ojv 121 kj[ H k M uY Dp&l k p k J<&
2008-09 k ojv 95.16 kj[ H L~ s: yckl&, pvnWv
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n~ (JJjC mb0 55)
(kj[ cW)
2008-09
2009-10
72.79
86.40
80.42
92.22
56.81
80.30
k GvcW v FC[ Dj vMvu FvMjWm k vc Dl n pvnv

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luk 29
vJM D : ij pJv yc kbHbv
yc kbHv
mJ&pvk #$
#$ ku
luk 30
M uY/ nv: ij pJv yckl&DW k
(kj[ H cW)
yc kbHv
2008-09
2009-10
mJ&pvk #$
498.33
1293.07
vp #$
-101.26
-88.56
ku
397.07
1204.51
MjOjkW k uYbM
v:k< k Dvoj k mbK Jkm oj (lMl c) k oM&l nQ

M uY
1.3.54 J<& 2009-10 k ojv ij pJv yc kcHvW k M
uY 1205 kj[ H L~ mJ&pvk #$ k j kcHvW
v1293 kj[ H k M uY Dp&l k, pyk Gm ojv
vp #$ k kcHvW v mcnk H m 88.56 kj[ k I
1.3.57
mJ&pvk #$ k j ij pJv yc kcHvW c m

lv v J J<& 2009-10 k ojv 271 kj[ H uYM k
H cW Kpv c pc k n p k J<& 2008-09 k 141 kj[
H m cnlJHC& H m DOk n~ J<& 2008-09 cW vp #$ k
yckl&DW j uYbM k H c iF& jM 71.93 kj[ H L
( J<& 2008-09 k ojv vp #$ k km Y kcHv v uYbM
I<l vnR k L)~
G~
1.3.55
J J<& 2009-10 k ojv Djvu FvMjvm k

s[ kj mY mJ&pvk #$ k kcHvW v M uY Dp&l
k~ vF&[ FC[ v 708 kj[ H k M uY J
J<& 2009-10 k ojv Dp&l k (J J<& 2008-09 cW n
476 kj[ H L), p mJ&pvk #$ k mym y[ kcHv
n~ mJ&pvk #$ k Dv pv kcHvW v M uY Dp&l
28
dm{fH$ [anmoQ>
pyk S DF& m v J<& 2009-10 k ojv kF& uYMb I<l (J<&
2008-09 c 20 kj[ H) vnR k , JnR F& m p m v 10.75
kj[ H uYMb k H cW I<l k p k J<& 2008-09 k
180 kj[ k DH# ynl n kc n~ F& m p m j I<l
uYMb J<& 2008-09 k 279 kj[ m y{kj J<& 2009-10 cW 353
kj[ H n i~
1.3.60: J<& 2009-10 c kjHjMv k Hm ul 13429 uIJO
k [ yc HumB (J<& 2008-09 cW 13350), pmc ^bmHj

ijCp Y Mcu n~ Fm J<& uIDJO k HumW k cc
k H cW 17.37 lMl k Jkm oj Hl kjl n 289 kj[
H k D nF& L(J<& 2008-09 cW 247 kj[ H), Hjvl
H k luv c vcc$ 0.65 lMl k Jkm op& k i
,pyk J<& 2009-10 k ojv oM m k i v&l cW [uj k
c& cb 4.7 lMl k $Clck Jkm op& k i~ Okj
m mJk=l Hl kjv k yo HjJj 2009 cW v&lkW k u
[cmk [ FvMjvm ui k iF& L~ kcHv v Fm ojv
D DL&k cvo k cvpj GlHo k ynl kc cu Hj c
k ~ J<& 2009-10 k ojv cOc Dj oI&JO k JJm c
9.24 lMl k J= oj Hl kjl n 36.90 kj[ cc k
H cW Dp&l k pk J<& 2008-09 cW 33.78 kj[ L~
luk 31
oll uYbM: ij pJv yckl&
(kj[ cW)
yc kbHv
2008-09
ij pJv
mJ&pvk #$
vp #$
F& m p m
S DF& m
2009-10
141.00
0
270.98
71.93
180.00
20.00
10.75
0
JM<% mbmL
Hvy&ckl&
p DF& m
ku
279.50
620.50
2009-10
1.3.61: kcHv k Okj k Mml ku cW Dv k HjCcmJH

352.60
706.26
Sk ml m k p jn n k yQk pc k JvJM DJmjW

k Dj cM: Gl JOvk JOvW k mbil HjJl&v k
p~ J<& 2009-10 k ojv JvJM k Jkm oj 9 lMl L
Dj J<& 2009-10 k ojv kcHv k ku HjmcHl cW 2 lMl
k Jmlj nD ,p k il J<& k 1917 kj[ m y{kj 1959
kj[ n i~
k&uW k mbK
1.3.58: 31 c& 2010 lk ij pJv yc kl& kcHv k 6342
k&u (pmcW mJmL pJv yc kcHvb k k&u Mcu

n, Hjvl JM<% yckl&DW k vnR)mcHC& oM cW k&jl L~
pyk vp #$ k yckl&DW k yb vJk& 1646 L, Jn
mJ&pvk #$ k yckl&DW k&u vJk& k mbK 4696
L~(JJjC mb0 69)~
Skuj FvMjvm kcHv DH FC[ uc[

1.3.62:
Skuj FvMjvm kcHv DH FC[ uc[ Sk

JM<% yc kcHv n p k k=< yc JJm k k& kjl
n~ kcHv v J<& 2009-10 k ojv l# mku cc k H
cW 82.46 lMl k Jkm oj nmu kjl n 1521 kj[
H Dp&l k, p k J<& 2008-09 k ojv 833 kj[
H L~ M DOj Hj yckl& v il J<& k 743 kj[ k
DH# Jl&cv J<& cW 1024 kj[ H Dp&l k n~ yckl&
v 31.87 kj[ k yc uY oK n(J<& 2008-09 cW 309 kj[
k uY)~ kcHv k M uY il J<& k 233 kj[ m Ikj
64051 kj[ H jn i n~ yckl& j Jnv k i oJW
k DvHl J<& 2009-10 cW 109.78(J<& 2008-09 cW 71.32) L~
JM<% mbmLW
SkwmH& [ ijC kjHjMv DH FC[
1.3.59:
SkwmH& [ ijC kjHjMv DH FC[ (F& m

p m) Sk JM<% yckl& kcHv n p SkwmH& [
FvMjvm k u yc JJm k k& kjl n kcHv v J<&
2009-10 k ojv 9.17 lMl k Jkm oj Hl kjl n
l# mku cc k H cW 813 kj[ H Dp&l k ,p
J<& 2008-09 cb 745 kj[ H L~ M DOj Hj yckl& v
576 kj[ H M cc k H cW Dp&l k p k il
J<& cW 525 kj[ H L~ yckl& v J<& 2009-10 k ojv
yc kjv cW 99.34 kj[ H k nv oM&l k(J<& 200809 c 258 kj[ k uY)~ kcHv k M uY il J<& k 283
kj[ H m Ikj 53.73 kj[ H ni~ yckl& j
Jnv k i oJW k DvHl J<& 2009-10 cW 117.22 (J<& 200809 cW 67.63) L~
mJmL yc kcHvB
1.3.63 : DF& Dj [ S v DY lk lv kcHvW k JM< H m
mJmL yc #$ c k& kjv k Dvcl ov k n~ Fv

kcHvW k oM&v v o i n~
29
dm{fH$ [anmoQ>
mj nuL Dj Su[ FvMjvm
2009-10
DF& m Iju yckl&DW j pj k i lk Hum Hj

ks mcDW k DOv JOvk s Hl kjl n Dj Iju kcHvW
k cO mvO Dj Dvljk cj k H cW k& kjl n~
1.3.64: mj nuL Lc kcHv n pm JM< H m mJmL,

Jqkwlil oI&v yc Dj $ yc kjv k Dvcl J<&
2006-07 cW ov k iF&~ Fmk mbuv k L J<& cW yckl&
j yc kjv k l# mku cc k H c J<& 2009-10
k ojv 88.61lMl k Jkm oj nmu kjl n 962 kj[
H Dp&l kwWk J<& 2008-09 c 509 kj[ H L~ M
DOj Hj yckl& v M cc k H cW il J<& k 301 kj[
H k DH# Jl&cv J J<& cW 610 kj[ H Dp&l
k n~ yckl& k 1.74 kj[ H k nv nF& (J<& 200809 k ojv 7.44 kj[ k nv nF& L)~ kcHv k M uY
il J<& k 1.24 kj[ H k ckyu y{kj 5.26 kj[ H
n i n~ J<& 2009-10 k ojv yckl&DW j Jnv k i
oJW k DvHl 87.11 (J<& 2008-09 cW 85.74) L~
1.3.68 p DF& m j J<& 2009-10 k ojv Hl ku M

cc 18.57 lMl k oj m 7402 kj[ H m y{kj
8777 kj[ H n iF& n~ nubk Fmk j Dp&l ku M
uY cW DbMk J= J<& 2008-09 k 7806 kj[ m y{kj J<&
2009-10 cW 8076 kj[ H n i(DvH#l KljW m vHv
k u jpJ& jKv k yo M cc)~ p DF& m j Jnv
k i M oJ 6856 kj[ H k jn p k J<& 2008-09
cW 66217 kj[ H L~ kcHv v kj Do kjv k yoil J<&
k DH# 1407 kj[ H k DH# 26.11 k Jkm oj k
nmu kjl n 1775 kj[ k M uY Dp&l k~
DHu cvK nuL FvMjvm

1.3.65
DHu cvK HbpkjC Hl kjv Ju l Sm

kcHv L pm JM< H m mJmL, Jqkwlil oI&v yc
Dj $ yc kjv k Dvcl ov k iF&~ DHv mbuv k
lmj J<& c kcHv v J<& 2009-10 k ojv 138.18 lMl k
Jkm oj Hl kjl n115 kj[ H k l# mku cc
Hl k n , p k il J<& 2008-09 cW 48.14 kj[ H L~
kcHv j J<& 2008-09 k 21.64 kj[ H k ckyu J<&
2009-10 cW 69.96 kj[ H Hj HnB i~ yckl&DW v
ycuKv nv 98.65 kj[ H (J<& 2008-09 cW 79.06 kj[
H) Dj J<& 2009-10 c b M nv k H cW 89.70 kj[
H(J<& 2008-09 cW 72.18 kj[ H) oM&l k n~ Fvk
j Jnv k i oJW k DvHl J<& 2009-10 cW 85.39 lMl
L(J<& 2008-09 c n 114.27 lMl L)~
Hvj#C
4.1
ycOjkW k nlW k j#
1.4.1.1: DF& Dj [ S k v kocvmj GlHo m mcyvOl

mvb ycOjk / mlJkW k mH Dj mOjC Y< o
pv n lk Jn mlJ k cnlJHC& yvoDW k Dmv m
mcP mk~ km omlJp k cnlJHC& iC k pB Fm yl Hj
vY&j kjl n k km JM< GlHo k u qvnl nk Gmk
cnlJHC& iCW k mcP Hl n Dj n vC& uv cW m#c nl
k Jn JM< GlHo Gmk Dvku n vnR~ cnlJHC& iCW Ju
omlJp yckl&DW k omj cnlJHC& mvDW pm, cc
k JC&v, Yilv k ljk, JYV Muk, Mcu pKc, yvo
nv k DJmL cb kw nl n, Do k GodIl kjl n~
1.4.1.2: cubv
Ghkwll k pB DF& Dj [ S j iul

mun Dj iul y Hj DbkM uiv k u G i koc
n~ J< m mcyvOl Sk oM&k [^Hw JYV pKcOjkW k
Ypkj Gvk l pB iF&~ Jl&cv cW Okj Fm yl k
u m kj jn n k Fmm Hnu k J YJl n , mY
mlJ mbYJl GlHo {B m nkj ipj ~ Fmm iul J k
IvDW m y p mki~
ckwm yH nuL FvMjvm

1.3.66
ckwm yH nuL FvMjvm mJmL #$ cW vJivlk n,

pm HbpkjC cCH$ J<& 2009-10 k ojv ov k i~
kcHv v c& 2010 cW MDl kj 0.13 kj[ H k l#
mku cc Hl k n~ J<& 2009-10 k ojv yckl& k
M cc 0.12 kj[ H L~
1.4.1.3: ojmL JHCv m mcyvOl oM-voxM iul y H cW
vF& vl m vHv Hj Ov kqvl kj jn n p k lkvk

k DOvkkjC k mL n Ho n iF& n~ v Dj lJlj
mbmOvW k uYW k HC& onv k DJMkl n JnR lkvk k
DOvkkjC k mL GlHV v mcmDW m vHv k Y
DJMkl n~
pvju FvMjvm kjHjMv DH FC[

1.3.67
p DF& m Skc$ Hvy&ckl& n p Yjl cW mO ij

pJv yc kcHvbW k Hvy&c ov kjl n~ vic k Hvy&c
1.4.1.4 HumW k y cW n v k Iv DF& Dj [ S k

u vl k J< n~ mcyvOl Okj v Sk oM&k [^Hw
pmc Sk HjoMa mlj k mOj uv k u DJMk kocW k
Hnu k n~ JYV pKcOjkW k Ypkj Gvk l
Hl k iF& Dj Gmk Hj#C k p jn n~
k&c Fm ljn m jKkl k i n k Jn oM cW Hvy&c

k OjC k mkjlck GMW k Hl& kj mk Dj Iju
ypj cW H&Hl #cl k Jkm Dj oM&v k u H&Hl kJ
ov kj mk~ n l H# Jnv Hu k yvOk Y n~ p
30
dm{fH$ [anmoQ>
2009-10
uH- v oM voxM
~mg _X 2
pvJj 2008 cW DF& Dj [ S v mY yc kcHvW k u n JOvk yv o k J cc qHl k, ui Muk, Dj

JvJM k u GHuyO Hm k HC& JJjC HM kjW~ lk J<& k kv^kw k DJOk k u n mv v ubkw[
FvMjvm Hum(uH) GlHo k u DJMk n pm HumOjkW k mll k pi~ pj Jml=l oM-voxM k
H cW nk k J GjC Hj nml#j kjv n lk nkW /HumOjkW k pj Hum k H cW cCk
omlJp k Sk Yi yv mk~ l, GlHo k mJk=l k DJmL cW DF& Dj [ S v Jm GlHoW k mJk=l ov m cv
kj o n pvk mcPv mbYJl nkW /HumOjkW k u Dlvl kv n~ nubk HumOjkW k mj#
kmcyvO cW DH#l HjCc DY lk vnR Hl k p mk n~
Jkmlck kX k Sk Yi k H c DF& Dj [ S v Dvk cvk GH (1) uF&H kJjp cW J= (2) GlHo k
oaIkuk k=l k yvv Do k n~ DF& Dj [ S j pj HjH$ H$bk mb0102, ovbk 28 pv 2010 uH k
JYV kjkW k u pj k i n~ Fmk yo pj omj Jik=l HjH$ H$bk mb0 124 ovbk 4 Diml 2010 cW ks
JM< yvoDW k mH k i n~ DF& Dj [ S j k i mbjvlck HjJl&v k cnlJHC& iCW k v JC&l k
i n~
(S) mY v ubkw[ GlHoW k u uk -DH k mc mc lv J<& m y{kj HB J<& kj o i n~ Fm uk -DH
k mc mc k Dvoj uHm/ mcH&l/yvo HumW Hj km ljn k DJM< cc k Yilv vnR k pi~
DJM< k Yilv p uk -DH k mc mc Dj DF& Dj [ S j pj oM-voxMW k mbil Gv HumW Hj
k pi p uk -DH k mc mc k Dvoj uHm/ mcH&l/yvo n iF& L~
(y) uk -DH k mc mc k Dvoj km ljn k DbMk vkm k Dvcl vnR n~ nubk Hum $C uk -DH
k mc mc k Dvoj ov k p mkl n~
(m) mY vcl cc/ uc[ cc k u Skmcv/mcH mlj k cc ni~ kF& Dljkwl cc yc
kJj k GM m k iF& Sku cc cv pi~
([) mY uc[ cc k v ubkw[ GlHoW k Sku cc GlHoW k Dljkwl k u cc Yilv k DJO
kc m kc HB J<X k u ni~
(F) yckl& yjyj m mY MukW k mcv H m v ubkw[ GlHoW Hj uk -DH k mc mc k Dvoj JYpl
kjbi~
(SH)HWMv Dj J<&k GlHoW k s[kj , mY v ubkw[ GlHo , cju kJj mJmL kJj ov kjbi~
cju Dj mJmL kJj k HWMv Dj J<&k GlHoW k mL Y ov k p mkl n, pmcW HumOjk k
Gmk Fsvmj kJj k vJ k mJlb$l nl n~
(p) mbJo k pj jnv k ojv o i mY H DH cc HWMv Dj J<&k GlHoW k s[kj , mY k u yc
kJj k mJO nv DJMk n, Sm H DH cc k Sku cc k H cW mJkj k pl n~ mY v
ubkw[ HWMv Dj J<&k GlHoW k HjHkwl DJO Hj vvlc 4.5 lMl k J<&k j&v k ijC nv n ,
pm k mc- mc Hj DF& Dj [ S k j voxM pj k pl n~ n ijC[ j&v HjHkwl lL Hj ui
ni , pvnvW mY yk cc k Yilv kj o n~ vvlc 4.5 lMl k ijC[ j&v Gv mY iov/
ccW Hj ui ni pm 31 c& 2011 lk Hl k i n~ 2011 m DjbY J<& k lk 1 Du k ijC[
ypoj jJ&m jH oj m 50 DOj yvo p k pv, mlcyj, omcyj Dj c& cW jn n, m DOk ni~ Fm kj
ijC[ ypoj DOklcd 6 lMl J<&k vvlc 3 lMl J<&k k oj m y{i~
31
dm{fH$ [anmoQ>
2009-10
(DF&)v ubkw[ HWMv Dj J<&k GlHoW k mLl cW mbv DJO k Dvoj km kj k DbMk vkm k cbpj
vnR ni~ yc kcHv k mbl HC[ cu k J<&kl cW JvJM k lL m HjJl&l kjv k DJMkl nl
n~ nubk yck=l k Hm n JkuH nl n k Jn JvJM k mc mbl cu k Sk- lnF& k SkcMl cW
HjJl&l kj mkl n~ yc vcJu 1928 k Oj 4 k lnl, yk y jM k GHi DJM n J<&kl k
Kjo k u k pv n~
(p) o v ubkw[ kv^kw (1) 10 J<& m kc k DJO ku, (2) Jn p 10 J<& m DOk k DJO k u Hj DF&
Dj [ S v kH DH Muk uiv k mll k n~ nubk [mkvvvm/uHmmv/ mjC[j k IvDW k Ov
cW jKl n, kH DH Muk k Dmv yvv Hj Y pj o n~ pmk u vcvuKl mcDW k mbmll k iF&
n p Hum k HBJ J<&i m ui nl n~
DjbY m Jll J<X k mbK
GlHov cb DOklc m
( mku Dj M GlHov cb Dvlj)
5
6
7
8
9
10
11 Dj 12
13 Dj 14
15 Dj Gmk
4.00
3.75
3.50
3.30
3.15
3.00
2.75
2.50
2.25
yo
(k) GlHov DvyvO k Dvmj, 10 J<X m kc yjyj DJO k u HumW k GlHov cW M m HjHkwJl Hj
3 lMl m DOk vnR nv n~ 10 J<X m DOk k DJO k u HumW k GlHov cW M m HjHkwJl
Hj 2.5 lMl m DOk vnR nv n~
(Su) km uH Hum Hj mJk=l DOklcd $C jM mjC[j cu k 40 lMl m DOk vnR nv n, Gv
HumW k mcyvO cW pvcW JvJM k ku cu k 60 lMl m DOk FqkwJ Kl n k u 50 lMl m
DOk vnR Dj , Gv HumW k mcyvO cW pvcW JvJM vc GHkjC Kl JvJM k ku cu k k 60 lMl
m DOk n ~
nk M#
kJu nk k M#l k pl n , yuk Gvk lvOW
k mL Jj-JcM& k u Sk Gl cb Y ov k pl
n~
1.4.1.5
nk M# Dj nk mj# Sk n mkwk k o Hnu

n~ Jvck k Hm n ynl n y[ Dj cnlJHC& olJ n k
Jn nkW k M#l kjW , p k nk mj# k u Dlvl
DJMk n~ JmlJ cW nk M# nk mj# k n Dbi n Dj
Fm oM cb DF& Dj [ S v J<X m v c[, uJpv Dj
j[, k cOc m Dvk GH k n~
1.4.1.7 DF& Dj [ S
mJb JYV J<W Hj j^ mcvj k

Dpv/ Yi uv Do k kjl n, mL n mL nk
mcyvOl J< pmk cOc m n pvl m y nl n~
Jl&cv cW DF& Dj [ S Sk nk H&u k Jkm cW p nD n
pmk puo n ub nv k DM n~
1.4.1.6
DF& Dj [ S nk mbivW k yc J< Hj mcvjW

k Dpv k lmnl J mnl ov kjl n, Fmk j v
32
dm{fH$ [anmoQ>
2009-10
Hum OjkW k u Mkl vJjC k #$ cW Hnu
~mg _X 3
DF& Dj [ S v nu n cW Sk nk ccuW m mcyvOl JYi Ku n ,lk yckl&DW k pul Dj nk k

kvF&W Hj JM< Ov o p mk Dj DF& Dj [ S vcJu k lnl nkW k nlW k j# k p mk J nkb
k Mkl vJjC k u THuyO Dj k&lb$ k yj cW M#l kjl n GvnW mMkwl yv p mk~ Hum
OjkW k DJM n mml Dj Dmv MklW k vJjC k u GHuyO kj pv n~Dj DF& Dj [
S (HumOjkW k nlW k mj#) DOvc,2002 k DOv yc kcHvW cW YJMu Dj lJlj Mkl vJjC
k<bi k DJMkl Hj yu ol n~ DF& Dj [ S v Mkl vJjC k u oM voxM pj k n , pmcW JM<
mc mc k Ylj MklW k mvv Dj Gvk vJjC k yj cb yl i n , p Dvll: yc kcHvW cW Hnu m n
GHuyO vJjC JYi k mMkwl yvi~
k&lb$ k YJMul k Okj j vijv k pv k pjl n~ Fmk u J mL n Givmj MklW k
Dk[W k mbnC k u Sk kv mbnk yvv k u DF& Dj [ S v Skk=l Mkl ybOv Cu (DF& p Sc
Sm)M kjv k lj kj jn n~ DF& p Sc Sm ycOjkW k u Sk JM j k H cb k& kji pnB J DHv
MklW Hnu yc kcHv k mL jK mkWi Dj o DJMkl nl n l Gm DF& Dj [ S k Mkl k<bi k Hm
Yp p mkl n~ DF& p Sc Sm Sk ynlj mOv n p nk k v kJu Sk kv Dj DvuFv Skwmm ov kjv
k mJO ov kjl n, yuk DF& Dj [ S k ypj k JJnj Hj HC& HnB Dj vb$C Dj ycOjkW k MklW
Do cK k& c mnl ov kjl n~ DF& p Sc Sm Hnu m JC&l vcW k DOj Hj JYV kl k MklW k
Jiak=l kjv k #cl jKl n~ n lb$ JM< Mkl DF& [ k mJkj kjv, YC[jl kjv Dj ^k kjv k #cl
jKl n, mL n JYV pKcOjkb k DJMklvmj k&-Jn k lnl mv ov kjv k #cl jKl n~ n
Cu ji v& SjGv[ F&c k HjY<l kjv Dj mY Mklb k u ji v& SjGv[ F&c k cH kj mkl
n~ n lb$ o i ji v& SjGv[ F&c k mcbHl nv k yj c b ml&k kjl n~ Fm kj n lb$ mJl: Gl mc
Hj vcvmj k& Jn k DOj Hj mJl: n k& DjbY kj ol n~
DF& p Sc Sm k DOv op& Mkl Gm mc yckl& k mmc k mL mL DF& Dj [ S k mbnO lk HnB pl
n ~ yckl& j mLl k Dlv kjv k oM c n mJl: DF& Dj [ S k Cu cW HnB pl n~ DF& p Sc Sm lk
DOj Hj pm k mc, mLl, k=l Dj omj Dv cHk pmk JC&v k i n k DOj Hj jH& pvj kjv
k #cl jKl n~ Fm kj ,DF& p Sc Sm mY yckl&Db k u HumOjkW k MklW k muPv k u Sk
ynlj HuHc& ov kjl n Dj DF& Dj [ S k Sk Sm b$ ov kjl n pmk j Jn yckl&DW k Mkl
vJjC k<bi k YJMul Hj vpj jKl n~
nu n cW DF& Dj [ S v DF& Dj [ S Jvm ku mvj(DF& p m m) HM k n pmcW k Sk u vcyj 155255
o i n~ DF& p m m HumOjkW k DHv MklW op& kjv k u Sk Dljkwl vu ov kjl n Dj Hv
Hj J DHv MklW k mLl pv mkl n ~ py Sk yj DF& p Sc Sm HC& n pl n l ku mvj k JlJjC DF&
p Sc Sm k mL mbpl n pi~ DF& p m m HumOjkW k DF& Dj [ S Jvm j[^mu mu lk F&-cu Dj
uHv ovb k j Dmv HnB GHuyO kjJl n~ Fmk Dljkwl n yc kcHvW k Mkl vJjC lb$ k
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33
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j vkwl yckbk Gmk lJov k H kji, Hu k olJW
k mccuv , pmcW kcHv k KlW k HvjJ= Mcu n~ Hu
yvOv k Muk cc k 1.25 lMl k Hvj#l kj Gm
0.75 lMl kj o i n~ mY mbuv J Dj mJul
uvov m mcyvOl DBk[ kcHvW m Hu yvOv k pl
jni~ 31 c& 2010 lk Hu yvOv k cv jc[ k lHov
k mcyvO cW, Hu yvOk yc kcHvW k mL yl l kjl
J<& 2009-10 c HM k oJW k mbK cW 180 lMl

k J= nF& p 50597 m y{kj 142138 n iF&~ Fm kj m
oJW k jM J<& 2009-10 c (759 kj[ H) 2008-09 cW
Yilv k i jM (182 kj[ H) k luv cW j iC
y{ iF& ~JCqpk JnvW (cu)k oJW k Yilv c Sk y[
Gsu oKv k cu Dj J<& 2008-09 k 109 kj[ H k
DH# J<& 2009-10 cW 470 kj[ H k Yilv k i~
Fm kj m JCqpk JnvW ($W)k oJW k Yilv cW J<&
2008-09 k 55 kj[ H k cku J<& 2009-10 cW 216 kj[
H k Gsu D~ cj yc l=l H# oJ -Jkm k
ljkW k Hnv Dj HjCc k GHi cu ov, jp&J kjv
omj GodMW k u k pl n~
dmhZ ~r_m - VVr` nj Xmdo - {dH$mg dnm| H$s nhMmZ VWm
n[aUm_m| H$m _y` {ZYmaU, gajU d A` CXXo`m| Ho$ {bò `moJ
1.4.4.9
uiYi HB uK uvov k yckbk cubkv oJ Jkm k ljkW k Hnv l=l H# Jnv yc k u (1) cu
HjJnv kjv Ju JnvW, (2) $ HjJnv kjv Ju JnvW v
Jkm k k lv DJmLDW cb GoIl k n , pm,
(1) nv k IvW, (2) #l k mv, Dj(3) oJ vHj~
n cubv Gm cn k oM&l kjl n, pmcW oJ vHj
k HC& k i~ cu HjJnv kjv Ju JnvW Dj $
HjJnv kjv Ju JnvW k Jkm k k cM: luk
38 Dj luk 39 cW oM&l k i n~
39
dm{fH$ [anmoQ>
2009-10
luk 38
cu HjJnv kjv Ju JnvW k Jkm k
oJ DJmL
50
mv k lL m nv k lL
mv k lL m Yilv k lL
nv k lL m Yilv k lL
lMl
cn pmcW lMl Jkm HC& nD

75 lMl
90 lMl
95
lMl
14
31
48
19
36
55
67
31
48
67
78
luk 39
$ HjJnv kjv Ju JnvW k Jkm k
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mv k lL m nv k lL
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34
52
18
36
56
69
31
50
70
80
yc #$ k ku JvJM
1.4.5.2 yc
#$ k ku JvJM mbil H m 30.38 lMl

(J<& 2008-09 cW 18.61 lMl)m y{kj J<& 2010 lk 1271527
kj[ H n i~ pJv yc mll H m yc Gi j
k i JvJM k mym y[ Yioj jn n pmk oj ku
JvJM k 95 lMl (J<& 2008-09 cW 93.96 lMl) n~ Gm
kj m mJ&pvk #$ k kcHvW k ku JvJM cW iov
82 lMl jn n H vp #$ k mbuv cWb mLlJ Dv k
mL Gvk JvJM k nu k J<X cW lJ il m y{ n~
yckl&DW j JvJM k oKYu
1.4.5.1
DF& Dj [ S v JvJM k u Sk vck {B

lj k n , pm mY pJv Dj ij pJv yckl&DW k
mL Hvy&ckl&DW k j Y i cW u pi~ pJv yc
KC[ cW JvJM k u vc n pk pJv vO , HWMv
, mcv J<&kl,Dj mcn vO Dj uH vO k mL mbkwl
nv n~OkjC k j JvJM vcJu cW JvJM k u
mlJl vcW k mbil mY yckl&DW k k& kjv n~ pJv
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i n~
luk 40
yc #$ j k i JvJM (31 c& 2010 lk)
mJ&pvk
vp
ku
pJv
2009
799593
(17.86)
116772
(33.35)
916365
(19.63)
(kj[ H cW)
ku
ij pJv
2010
985028
(23.19)
220127
(88.51)
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(31.51)
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16
k Fm yl k mH H m yll n k
l=l H# Jnv yc k Jkm cu@kv cW yl i ljk m
nl n~
yckl&
95
1.4.4.10 Jkm
4.5
cn pmcW lMl Jkm HC& nD

75 lMl
90 lMl
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47782
(1.20)
11111
(22.59)
58893
(4.64)
k cW oK i Dbk il J<& k DH# lMl Jkm k oM&l kjl n~

40
2010
2009
2010
51678
(8.17)
14685
(32.16)
66372
(12.70)
847375
(16.78)
127883
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975258
(18.61)
1036715
(22.34)
234811
(83.61)
1271527
(30.38)
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pJv yckl&DW j JvJM
2009-10
cW uH vO v 55 lMl k J= JvJM Hl k n(J<&

2008-09 cW 26.39 lMl)~ pyk uH vO v 158856 kj[
H k ( J<& 2008-09 cW 39686 kj[ H k ) k iov
k , Jn HjbHjk GlHo v 129934 ( J<& 2008-09 cW 110710
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1.4.5.3
pJv yckl&DW j JvJM k u JYV GhuyO

lW k cK H m vOW pm k (1) HjbHjk vO Dj (2)
uH vO cW yb o i n~ pJv yckl&DW j JvJM
k i ku vO 31 c& 2010 lk 12.5155 kj[ H (J<&
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yk y 873536 kj[ H (72.48 lMl )HjbHjk GlHoW
m Hl n~ uH vO cW ku JvJM cW nu k J<X cW uilj
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1.4.5.4 31 c& 2009
k luv cW 31 c& 2010 cW pJv yc

kcHvW k JvJM k Hv& mcv jn Dj n DF& Dj [ S
j mlJl vcW k Dvku n jn~ pJv yc kcHvW k
JvJM k u o cnlHC& y[ Hmvoo #$ kv mjkj k
lYlW Dj mJk=l JvJM jn~
luk 41
pJv yc #$ j k i JvJM : vcvmj (31 c& 2010 lk)
(kj[ H cW)
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2009
2010
jM
lMl
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lMl
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1
kv mjkj k lYlB
316010
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107190
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51260
6.89
56592
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151490
87.69
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6
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ku
41
1205155
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1.4.5.5
iov(11.69lMl) Dj uH vO cW 331619 kj[

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Hj, pJv vO v 732613 kj[ H k iov o n~
H(27.52 lMl) k iov o n~ J<& 2009-10 cW uH
(60.79 lMl) yc kcHvW k ku JvJM cW HWMv Dj
vO cW k ku JvJM cW iov cilJHC& {bi m J<& 2008-09
k 18.85 m y{kj 27.52 lMl n i n~
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luk 42
pJv yc #$ j k i JvJM : vO Dvmj (31 c& 2010 lk)
(kj[ H cW)
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ku
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606487
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(68.71)
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699475
33137
732613
(60.79)
2009
107135
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113952
(12.44)
2010
130885
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(11.69)
2009
85972
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(18.85)
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154668
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(27.52)
2009
799593
1167722
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(100.00)
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985028
20127
1205155
(100.00)
k cW oK i Dbk il J<& k DH# lMl Jkm k oM&l kjl n~

luk 43
JvJM k Jkm: vO Dvmj (31 c& 2010 lk)
(kj[ H cW)
HC[
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pJv
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il J<& k DH#) L~
1.4.5.6
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j k i JvJM k 5 lMl L~ Fm #$ j k i
ku JvJM 31 c& 2010 k 66372 kj[ H(58893 kj[
H J<& 2008-09)L~ J<& 2009 -10 cW Gi j k JvJM
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mcv n L, p JvJM vcW k k Dvku n L~ 31 c&
2010 lk kv mjkj k lYlW cW Dj mJk=l JvJM
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luk 44
ij pJv yc #$ j k i JvJM : vODvmj (31 c& 2010 lk)
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ku
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42
24.16
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v DHv pKc yvOv lb$ k D[ k Dj y mJlb$
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k Sk Dv uFv Hmlku yvv k u mJmL #$ v GlHoW
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mJmL yc kjv k u DF& Dj [ S v HbpkjC cC H$
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mJmL yc #$ , pmv J<& 2009-10 k ojv 8000 kj[
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ij pJv Gi cW Jl&cv Ku[W k u Y~ mJmL yc
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luk 45
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2008-09
2007-08
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43
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ij pJv H Sm Dj Gvk vJk& DmHluW k y

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Fs km Y mLl cW JHjl {bi m YJl vnR nv H~
2009-10
GlHoW k lnl HjJj Dj momW k Mcu k p Dj Sk

mJmL yc Hj<o k mLHv k p~
JHjk mbivW k j k i m
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k JM< #$W cW
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DF& Dj [ S ij pJv yc kcHvW Dj H S m

mJmL yc Dk[ Hl kjl jnl n~ pJv yc kcHvW
k n voxM o i n k J mJb j k i mJmL yc
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pm k ui mJb J DHv HjJj k mJmL k oKYu

k GM m mJmL yc Kjol n, Dl: mJmL GlHoW k cu
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cu mk~
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k Dl DJMkl n, Gm klF& vnR DvoK k p mkl n, kwk mJmL mj# k J , cnbi mJmL lkvk
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44
dm{fH$ [anmoQ>
2009-10
GHjkwl JC&l GlHoW cW m DOkbM k yc kcHvB Sk J<& m DOk mc k u HM kj jn n~ Fv GlHoW cW m

DOkbM cW vcl mJmL pB k mJO GHuyO n Dj ks l km Y mc c[ku mun Hv F&-cu k j ov
k JJmL kj jK n~
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GlHo GHuyO n~
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mJO GHuyO kjv k pv n~
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kcHvW vqkwlk& k mL p[ n n~ Sm ui H DH kJj Kjo mkl n p GvnW v i kl k mc m ynj
k mj# ov kjl n~
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pv Do Y Mcu n~
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kj, Hjvl Gi Dv Ju mc cW Fm yl k m# Y yv mkl n k mJmL yc k kJu DHl HjmLlW/
oI&vDW m n yBO kj v jK p yuk Gmm Di Y mj# ov k p~ JmlJ cW mJmL yc kcHvB Dvlj^
$W k $ k Yi k H k H cW GlHo uv Hj Jj kj jn n~
H DOkbM mJmL HumB lk J<& Hj vJvk=l k pv Ju n, yc kcHvB HumOjkW k oI&JO k

u ucy mc k HumB HM kj mc Hj vJvk=l kjv k u s, cHwl mJmL pB , D H [ k u
uu JGj Do ov kjW~
45
dm{fH$ [anmoQ>
2009-10
Dv JuW mc cW ypj oKi ynlj mJmL yc GlHo oKi p JkwuHk c[ku F&up pm k DM ~ bk mjkj
yc k mJoM oJDW JJmL lk uv c Hj Y Jj kj jn n~
Fmk DuJ vk YJ< cW mJmL yc k mL yl k Y p[ p mkl n pmm k J H@um Ojk k Y p[
p mki pvm k kj c yl Y ni Dj mJmL k mj# Y ni y{H cW ~
mJmL yc GOi k vJv YJv v pJv Dj ij pJv k y k jK k ObOu kj o n ~ nu c n OkjC k
mlJ Hl n n pmc kn i n k pJv yc k mL mJmL yc Sk n cl GlHo n ~ OkjC v Sm GlHo k
u Dvcl ov kj o n n mvMl kjl n k H@um Ojk k vlil { k Dboj YJ mv cu ~ n
HjkwuHv k iF& n k cl GlHo k YJ Jqkwlil GlHo jK k Dboj po ni ml c H@um Ojk k JHk
yc GlHo cui ~ nubk Fj[ v mJOpvk JHj k <kC k DHv n , n Gcco n k mY yc kbHv
JJk ypj DjC Dj mbuv k DHvSi H@um Ojk k nl k j# kjl n ~
ks yc kbHv Sm Du GlHo yv jn n p k Sm llJ k Y k@Jj kji p k ij mJk& Kx n , p k
mcvl: lj Hj nmHlu k cDJp ycb c Mcu vn k pl n ~ kF& Sm mc vn n yc kbHv k u v v
yc GlHo yvv k u ~ nbukR , ijy jK m v Dj kc D Ju ui , s Mnjb k HjJj pvk DY Y
u#l vn k i n yc Gi k j , pvk DY Y k@Jj kjv n pvk mJmL yc k mKl pjl n ~ JmlJ
c ui n yc #$ k y{v k u kc D mkl n oM cW~
Sk GH k u , OkjC v mcp k kcpj Ji& k ui k u yc c mOj uv k u~F&j[ v Jj k n mc
cvk yc GlHo ov kjv k mcp k Mnj SJ cC kcpj Ji& k u ~ n cvk GlHo Lck mOv yv mkl
n Mnj SJ cC #$ k yc k olJ k Hl& k u , yc DOvc 1938 k lnl ~ n cv i n k GlHo
HjY<l JkuH k mL ni Dj Hmbo SJ uuHv Jqkwlil nk k ov kji ~
1.4.6.11
l=l H# Mmk ( H S)
mJmL yc v Ds Jkm oK n mc# J<& k
ojv Dj H S Sk li k ljn mJmL yc JljC v

1.4.6.10 2009-10 k ojv kF& v uFmWm ov vn k i
c Ds Jkm oK n ~ H S v H@um Ojk k u

l=l H# Mmk k OkjC k j ~ pyk , v DJov
OkjC k Hm cW n ~ vcvuKl H S uFmWm k
vJvkjC k i 2009-10 k ojv
(1)
(2)
(3)
i nmHlu k p[kj J<& k ojv DHv vJ&k k Jmlj

k n ~
luk 46
H S uFmWm k vJvkjC 2009-10
H S k vc
Q[ nuLkj
[[k[ nuLkj mJ&mp
JHu c[k@H&
1.4.6.12 Vm{bH$m 47,
Q>rnrE mam 2009-10 _| OmoS>o Jò gaMZm_H$
T>mMo Ho$ {ddaU H$mo XemVm h &
46
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2009-10
luk 47
H S mbjv (2009-10)
. m.
H S k vc
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
Hk& c[kwuc
JHu c[ k@H&
Duvkl nuL kj
DF& kj nuL cvpcW mJ&mp
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c[kj mJ&mp
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njp nuL
pvvm FC[
j@LMu[ nuL kj mJ&mp
F& c[k mJ&mp
HjK nuL cvpcb
mHJ mJ&mp
c[ mJ nuL kj
i[ nuL Huv
nuL FC[ mJ&mp
c[ Smm FC[
Dvcu c[kj
j#
Hcu nuL Huv
k nuL kj
Q[ nuL kj mJ&mp
Hjc@G nuL mJ&mp
Dvl c[v nuL kj
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Hkm nuL kj
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ku
p[ i DmHlu
k mbK
vF& MKD
k mbK
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210
343
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2040
446
406
585
226
362
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867
311
540
427
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630
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0
395
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67
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286
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dm{fH$ [anmoQ>
1.4.6.13
1.4.6.14 OkjC v Dui m JJmL k n H S k Mkl
OkjC m H m uilj JYV vk m Dj

nlkjk m yll c mbuiv n, Fm Jj k mL mJmL
yc mJ k JJmLl yvv k u oM cW ~ JM< H m H
S k kc k ukj , ks mJHW Dj omlJp SJ k
cvkkjC kjv k u yll c muiv nQ ~ ynl mj GH
k i yc k #$ c nk mJ k mOjv k u mL c
c HjoM&l mOjv k M k iF& 2009-10 k ojv ~
J<&
2446713
2009-10
3365940
k mvv k u H@um Ojk m, yckl&D m Dj nlOjk

m ~ 2009-10 k ojv , OkjC v 312 Mkl op& k ,Gmc
m 305 muP i Dj 7 ubyl L 31 c&, 2010 lk~
luk 48
l=l H# Mmk -oJ Dk[
cnv k
1-3 cnv
3-6 cnv k
Dboj
k Dboj
Dboj
Hl oJ
2008-09
2009-10
1847212
(75.50)
2348147
(69.76)
360173
(14.72)
597408
(17.75)
61022
(2.50)
121485
(3.61)
6 cnv
po
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12934
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29362
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185120
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299381
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v : mK p k<k cW n DvHl k (lMl c) oKl n mcOl oJ Dj ku oJ H k y

4.7
cC SJb mcpk #$W cW JHj
1.4.7.2
mY yFm vp pJv yc kbHv v DHv mcpk

olJb k Hj k J<& 2009-10 k ojv ~ J<& 2009-10 k
ojv p cC #$W k olJW o i L Gm k Dvmj
lMl H@um k iF& L ~
1.4.7.1 OkjC j yv i Jvc yc kbHbv k cC SJb
mcpk olJ k Hj kjv k GHj nQ J<&k DOj Hj p k

Hj k pv n~ vc k Dvmj yc kbHv k n
uK kj ov nl n k J klv JHj kjiW DHv M n J<&
k DOj Hj ~ Fv olJ k Hj kjv k u vc n knl
n k Dij yc kbHv DHv kc J mu k omj scn cW M
kjl n Dj Gmk k& m k n 6 cnv m kc n n
31c& lk Gm J J<& cW (1) l Gm mc k u kF cC
SJb mcpk olJ vnR ni ~ (2) p Y J<&k olJ o
pi Gm Diu mu m cv pi Dj Jn k&c k Hnu
mu c pi DvHuv k GM m ~ Dij mu k Hnu scn
cW yc kbHv kc M kjl n l ui olJ J<& k 50 lMl
k n olJ Hj kjv ni Jvc k Dvmj ~
1.4.7.3
Su DF m v DHv cC olJ k DvH , omlKl

k lMl po L cC #$ cW , 25 lMl k vO&jl mK
m po 2009-10 k u~
mcpk olJ
1.4.7.4
yFm vp pJv yc kbHv c m ,S [ SH m k

s[kj , mY kbHv v DHv mcpk olJ k vJ&n k
2009-10 k ojv ~ mcpk #$ cW DHv olJb m y{kj
FvnvW pJv yc k ~
1.4.7.5
S [ SH m mC[[&, p J<& 2009-10 m cW DHv

mbuv k 10 JW J<& cW JM kj jn n mcpk #$ cW 55000
pJvW k GjolJ k mLv Hj 50268 pJvW k kJj k
n~
pJv yc kbHvb k k&J

cC #$ k u olJ
48
dm{fH$ [anmoQ>
J<& 2009-10 cW DHv mcpk olJW k mL mkwl vnR L~
yc DOvc 1938 k Oj 105 y k lnl OkjC Sm yc
kl&DW k J oC[lck kjJF& kjv k m jn n p
DHv mcpk olJW k Hj vnR kj jn n~
2009-10
1.4.7.12
v FC[ v 95 uK pJv kJj k mcpk #$

cW pyk Gmk olJ L 168 uK k J J<& 2009-10 k
u Dj Jn DHv mcpk olJ k DvHuv c vkc jn ~
OkjC v DvHuv k Huv vn kjv Ju yc kbHbv Hj
yc DOvc 105 y, 1938 k lnl o[lck k&JF kji ~
1.4.7.6
Su DF& m DHv mcpk olJW k mL mbkwl jn

n Dj Gmk u mlJl 20 uK pJvW m DOk mbK cW
pJvW k kJj J<& 2009-10 cW ov k n~
4.8
J jH&i Dj ycbbkk cvk
J jH&i
ij pJv yckl&DW k olJ

1.4.8.1
OkjC v kH mj koc G n 2009-10 k ojv

HjoM&l,Kum k mlj k mOjv k u yc kbHbv k
j ~ Djkwl GH Y OkjC v G n J Kum k
mlj k mOjv k u ~
cC #$ olJ
1.4.7.7
J<& 2009-10 cW mY 17 vp yc kcHvB DHv cC

#$ k olJW k DvH k& jn L~ Gvk j GHjkwl #$
k u k i uKl mku cc J<& 2009-10 cW k i
ku yc cc k u mlJl mc m DOk L~
1.4.8.2
J J<& 2008-09 m YJ nQ , mY yc kbHbv k

mun o iF& n k mjkj DOkj j o i ob[ k Sk
HFu yv kj jK ~ o i mun k uK Hj#k m cCl
kjJv pj nl n yc kbHbv k u ~
1.4.7.8
v FC[ k s[kj, mJ&pvk #$ k mY yckl&

J<& 2009-10 cW DHv cC #$ k olJW k DvH k& jn
L~ J<& 2009-10 cW mJ&pvk #$ k mY yckl& DHv yc
JJm k ku c$ k ml lMl olJ n HC& kj HF& n~
1.4.8.3
yc kbHbv HFu k JHm Hj mun o iF& n k

J<&k mlj Hj Gvk j ui i &[& uK DOkj Hcx
p k YV ljn k kc c ui i pm Dbljk uK Hj#k,
uK Hj#k, mcJl& uK Hj#k, kwm uK Hj#k Dj
Dv Hj#k k HFu yv kj jK ~
1.4.7.9 v FC[ 6.29 lMl pc kj HF& cv #$ m Fmk
mku l# cc k, pyk Fmk olJ 7 lMl k L

Dj n 2009-10 k DvHuv cW vkc jn ~ OkjC v DvHuv
k Huv vn kjv Ju yc kbHbv Hj yc DOvc 105 y,
1938 k lnl o[lck k&Jn kji~
1.4.8.4
yc #$ k vicl Mmv Hj oM voxM 2010-11 m

YJ n i n , oM voxM yll n k yx[ k iv km
kjv n Dj GH mcl k Y ,Fmc yc kbHv k Dvoj
m ypv k Y JOv n ~ DvHuv jH& k H oKu
kjv k DY u jn n Dj ks ov c ml k
pi ~ Fv Mlx k mL , yc kbHv k my kbHv k
mclu jKv n DvHuv Dj vicl Mmv k ccu c ~
mcpk #$ k olJ
1.4.7.10
mY 17 vp yc kbHv v J<& 2009-10 k u

mcpk $ k DHv olJ k Hj k n ~ Gvnv plv
pJv k@Jj k n mcpk #$ cW ,J Jvck k Mlx m
po n ~
1.4.8.5
OkjC yk M< k J< c bll n ,DL&l yk

jM ycl JHj m Dv mbmLD cW Dj yk jM Dv yc
kbHv c ,p k kH mc m yk n Dj Sm mH k Y
Jj kjv n py MOv #cl k cukbv k pv
n n yc kbHv k j Sm F&j[ v Y voxM o n ~
Ov jKl n SbJ mvMl kjv k u yc kbHv v Fvk
mbluv kjv k u mc mc koc G n ~ OkjC v
Kyjoj HjH$ ovbk 26 cF&, 2009 k j mY yc kbHv
k mPJ o n k HjH$ c o i Mlx k Huv kjW M< k
mbybO c ~
1.4.7.11
j mJ&pvk #$ k yc kbHbv c m, v F&[

k s[kj , mY v DHv mcpk #$ olJ k vJ&n k
2009-10 k u ~ mJ&pvk #$ k yc kbHbv k u J
J<& 2009-10 k u olJ k lMl 10 m DOk pJv k@Jj
L vl mK m mcpk #$ cW 2008-09 k J<& yc kbHbv
m p k 5.50 uK L p Y DOk n ~
49
dm{fH$ [anmoQ>
yckk JJmL k vqkwl
2009-10
MOv #cl k GHuyOl k JMu<C yc kbcHv cW k

pl n Gvc cW m Sk nQ mck# mc# dCu pmm k olJ
k mLjl,mJk&l k pB k pl nQ~
1.4.8.6 Sk cK #$ cb m p mbuiv nb jpm^ k Ov J
pKc k Dkuv kjv nQ pvm Gvk mbuv cW Dmj v H*,

Dj p GlHo Gvk j y pl nQ GvcW pKc kc n Sk
mlj lk. J oKl n k kHbv k mcHVl Hj Dmj v H* km
Y mc .
mc# mcl
1.4.8.9
OkjC c mc# dCu nQ pmk k& n n k

mbJOk jH& DF Dj [ S,ycbkk jH& k mc# kjb,yc
DOvc 1938 k Oj 13 k lnl~ vF& ycbkk mc# k
iv J<& 2008 cW nD Dj Fmv 2009-10 cb Y kc pj jK ~
1.4.8.7 OkjC v yckbk JJmL (S S)k MDl mv 2000
cW k. 2003-04 k ojv OkjC v yckbk ilD k

vcJu I<l k~ n HjY<l k i nQ yc DOvc
1938 k lnl~ OkjC v o i vcJu cb DOkjb SJc
kl&JW k vO&jl k nQ~
ycbkk cvk
1.4.8.10 Yjl k ycbkk mbmLv (DF& S DF&)v Hnu iF&[bm
1.4.8.8
v(p Sv-DF&) vkwl ycbkk Dj pJvyc Hj pj

k~ DF& S DF v p Sv -21pj k vkwl ycbkk Dj
mcv yc kbHv k u~
Sk ij pJvyc km k lnl , vc S S k oj k
mlHl kjv DJMk n pl nQ k ,ij Muk GlHo Dj
K& n Hj jH& vn (DF& y Sv Dj ) Yb[j k u , p
yk k Dbli&l mbkl kj jn nQ , oJb J yv cW ~ py
mJ&pvk kkjC vck HjH#
~mg _X 5
kkjC-ypjb cb JYvv nlOjkW k u kkjC DJMk nQ km Y #$Okj cW~ km Y kMu ypj cW

kkjC Sk DJMk llJ n p k ypj cW lYib cW DvMmv ul nQ ~ kkjC v Sk v Dc p[ nQ
kwk yc kcHv yc Ojk k Hm jKl nQ, kkjC p k Hjuv m mcybOl mY HnuD k yll nQ
nlOjk k vpj m~
Kum k GM : c lj Hj kkjC k JYvv GM nl nQ nlOjkW k u 1. pvl k mn SJb v<H# yc ov
n~ 2 yc OjkW k kMu mJ ov kjv~ 3. k& c HjoM&l pmm k ypj cW yc kcHvW c JMJm Ho n~ 4.
Kum kbHv Mmv Dj pKc byOv k J< cW Sk cnlJHC& llJ nQ~ 5. Gl SJb kMu yc Ov k byOv Dj 6.
yc kbHv cW Sk YJ SJb mJmL mlj Hj Gi lil c coo kjv~ mv k GHuyOl Y cnlJHC& nQ ov
JM<% SJb MOkl& k u
yc kj mbl : FbjvMvu SmmMv DH FbMjvm mHjJF&pj(DF& S DF& Sm), DF& S DF& Sm v H&J#k mbI k
k& Hj pj [u nQ k Jl&cv Jvcl mbmLD j Kum mbik, mc Hj , muY,mL&k, luvlck SJb mc k
DvH n~
DF m H 26 mv,Kum SJb Hjo&Ml ypj cW n, n Sk nQ Gv 28 mbl cW m Sk nQ p k cvk SJb k[ k
nQ~- H&J#k mbI oKl nQ k yc kbcHvB mc Hj yc Ojk k Gvk JHj J mLl SJb pKc k yj cW
pvkj ol jnW ~
50
dm{fH$ [anmoQ>
2009-10
pj mH& Kum Hj n vnR yuk HjoM&l Hj Y nQ, p k Fm yl Hj Ov ol n k yc kl& Gm pvkj k mcP

ub~ m&Jpvk Kum vcv ylW k Hl& nv nW~
1)
2)
3)
4)
5)
6)
7)
Kum ypj mnYib k u mbik nW~

mc Hj GHuyO n Dj Hj nW pvm k ks vC& u p mkW ~
HnB k Dvoj n yv km Dui Kx k Dj oj ypj mnYi kW u~
JHk Dj mL&k n pmm k ypj mnYi kW u vC& uv cW Dmv n yc kl& k mcybO cW~
JMJmv n pmm k vC& u p mkW~
Kum luvlck n yc kbcHvB cW Dj
Kum mc k mL Sm nb pmm k km ^b[ k pvkj n mkb ~
Fv my ylb k u Kum DJMk H mW ks ylb k Gpij kjW pm k J mLl, J o&Mv km Km mc

cW, pKc Dj km kj Gm ybOl k p jn nQ,Gv ljk Dj cvlDb , uKbkv vlb , cu JHj Dj
kHxj Mmv pm Hj n lj k i nb ~
H&J#C k mOv : ybOv cW HjoM&l , mv k GHuyOl vC&k k Hm nv n Dj Gvk Kum OkjC k
mc#, my yl YJ H&J#C oKl n Sk yc kcHv k Dboj Dj Gm #$ cW, n mJb Jvcv k cOc m kF
H&J#C k j ~ c lj Hj , Fm vj#C k JYvv GHb m Hl k p mkl n vcvuKl cOcb m :
1)
2)
3)
4)
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,yn uK Hj# , k OkjC k lvOcb[u k j Dj Ds ljn m HjY<l uFv p k JHm jHxi
kjW y[& k~
Gi cW Dlc vcv ,JMml: ypj cW DjC k~
ypj DjC Hj jH& k cOc m H&J#k Dj J lkl mnl vJM D , KlW k j&v Dj Dv
mJOk j&v k j ~
mF Hj vj#C k cOc m H&J#k vj#C~
YJ H&J#C k u# k Hl kjv k u, OkjC v nu n c JMu<k k Hjpv M k nQ, p k [ k

pjlb k Hj kji yc kcHvb k JMu<C k u Dj Gm Hj Jvck vC& k u~ mcOv Jkm Jmlku
k vcC& k p k n Diu koc n n k F& Dj H k k&vJv , mp -1 DF kcHv k v Dj lkvk
yu (jC-2) M k p Bk nQ OkjC k j~ y S H Sk JHk k&c n p k Jvck k pvkj k
pjlb k Hj kji vC& uv cW, n J J n ,ycbkk n, vJM, oJ Dj Mkl vJjC lb$ m n ,JMJk
yc Gi m mcyOl n~ y S H k k&vJv Sk y[ Dblj k Hj kji yc kcHv k mbuv c HjoMal
mvMl kjv c Dj Gvk H&J#C cW~
pKc ybOv Dj Kum: pKc-ks nv k mbYJv pmm k GooMb k Hl& cW yO D mkl nQ , n mbYJv
Dj HjCc k mbo&Y cW cH p mkl nQ, n HjmLl,k&Jn Iv p k #cl jKl n mbiv k DW k
youvW k~ c lj Hj pKc k Jl Dj ij J cW yB p mkl nQ, pKc ybOv k cu pvkj k
GHuyOl, Kum SJb HjoM&l Hj vY&j kjl nQ~ n Y m n k n Y Sk lL nQ k ynlj byOl kbcHvB mJsk
DOj Hj Kum kjl nb p Jvck k vO&jl cvo[b m k Sk koc Di nQ ~
51
dm{fH$ [anmoQ>
2009-10
mJ&pvk Kum y{v Hj y.J.J.. k Hnu :mbuv cb HjoM&l mOjv k u,OkjC yc kcHv Hj mc
mc Hj Kum y{v Hj kc kjl jnl nQ ~ Fm oM cW Sk Dj koc pvJj 2010cW oM voxM pj kjk k p
k nQ~ yc kcHv k u p Kum k Mlx vO&jl k iF& nQ Dj cpyl k iF& nQ , OkjC k j Fmu k
ui cW JMJm Dj pvkj y{v k u YjmO lv k p jn nb~ n Kum vcv kj m k pv nS ~ 1.
mcj H$ c kMl kjk 2. JymFm Hj [u kj, n 31 c& 2010 m YJ nQ ~ Fm Hnu vW p kbcHvB my vn
nQ Gvnb my kbcHv k mL mcv kj o nQ mJ&pvk Kum k ccuW cW ~ my kbcHvB Mml k pl nQ
umdi mcPl k lnl p k yk p k DuJ $cmk jH& k Kum kjl nQ kjv nl nQ ~
Fv HnuDb k JJv nF& n OkjC k Dboj SbJ JYV nlOjk cW ~ JYV ljn k Jj Jkwl k i nQ , ks v
kn n k pvl Kum k u Hj ljn lj vnR nQ ,ks v kn n k pvkj k iul Fmlcu k p mkl nQ
ks iul llJ k j~ JnB omjb v cnmm k k lYi iHv pvkj Hl kj mkl nQ , JnB ks v kn k
mJs m Kum kjv nS ~
klv Kum SJb klv kcl k yP ni OkjC Hj : Sk Mv n k klv pvkj H&Hl nQ ,n ncM oJO
nl n Jvck k Hm ~ omj Dj yc kbcHvB nl nQ k mJ&pvk SJb Jvck Kum mcl n ~ Dkmj
Sm nl n k Kx k Jpn m Jvck yP k ouu m, Jvck mvMl kjv nl nQ Kum cW HjoM&l
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vl n n k pvkj k pjl ni J kcHv k H&J#v cW ~ Hnu Ji& k yc kcHvB pvnW mvd 2000 cW
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52
dm{fH$ [anmoQ>
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cul n Dj Sm km mbmLv k mL pvk kF& jMl n
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S k kjv DvJ& nQ ~ Dij pB k ojv Sc S S v jHx c
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n l Sk DoM o p mkl n Gv yc k p kjv k u
p Jqkwl mbiv m mbyvOl nQ~ ybo KlW k Hj m Kuv
k u Y oM vo&M o i nQ ~
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53
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L kv&k c ik lj Hj ,2007 k KjH Hmu k ojv

Gmk yo ynj ,smi{, cO oM, jpmLv cW 2007-08 jy
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cmc yc k&c L k=< k #$ cW ~ [yu y m DF& Sm k
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2009-10 k kJjp k Hj kj i~
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kj , kjy 24 uK kmvW v , p k 33.9 cuv nkwj cW
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KjH Hmu k ojv Dvk mK k mLl Ho nF& L, pmk
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Sv S DF& Sm k mbMOl mbmkjC k mlJ mblk

H Dvcol k i nQ p k 50 pu cW mbul ni jy
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k i n~
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dm{fH$ [anmoQ>
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pJv yc #$
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uI yc k Dvoj cc k Dcov ku 402 kj[ L J<&

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vp yc kcHvb k nQ ~
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m#c yc H&Hu k lnl J<& 2009-10 k u v JHj
( cc uK cW)
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kbHv cW~ mc#J<& k ojv 2380 v DYk& p[ i ~

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Jk k GlHo k Hj JJjC k Hu Dj p JO cW Hmll
kjv k JO k DHvv k mv o n Dj Fm C cW il o
J<x k Hj GlHo k yj cW Hj JJjC o i n yc kbHvW
k vkwl SkwDj m HcCl k i n Fvk JJjC Hmll
k i n.
II.1.2.
Jll JJnjkl HcCH$ Hmll kjv

II. 1.3
HHl k GlHo k Hj [ym Dj JMu<C k DOj Hj Dj

vnl mcmDW k DOj Hj GlHo k oj k vM k i
n Db[jjbi k HYJ Dj GlHo m cuv k uY Do k
< cW jKkj JMu<C Dj Gvk Hj# m oK i n. Fmk
HjCcmJH m SkwDjm ij pJv yc kbHv H@um OjkW
k Jkml kjv k uS yc kbHv m Di koc [u n
pmm mJ&pvk #l cW cbi k y{llj Hlil oj Hj
HYJl nkj ij pJv GlHo k Jk lp il m nv ui
Gm mc cW uY k DOj Hj GlHo k lj kjk ub k
i n. nj GlHo c m uY GHkwl nv k GooM jKl nS
GlHo k ub k i. GHjkwl mY J<W k o=<il jKl
nS v o i GHW k ui k i n p k Fm Hkj n
vkwl SkwDj ij pJv yc kbHv k DL&k vc

k jH& k lj kjv n Dj Fm jH& k DOj Hj
Jvck DJMk ci& voxM MI n voxM kjl n.
yc Jvck Dj Jkm HOkjC (Hv&yc pvju FbMjWm)

k vcJu 2000 k 2 SH Dj 3(8) k Dvmj HOkjC m
ml k i voxMW k Huv kjl nS nj yc kbHv k Hl
DO& J<&k cW vcJuW k Dvmj ccuW k yc H@umW
k mJkj kjl nS kbHv m yv i mY HkuJ k
Hmll kjl nS DO& J<&k k Dblc mc k Sk cnv Hnu
Hmll k p jn n.
2.
yc JJm m p[ cOmL
yc DYkl&
ij pJv yc H@um OjkW k mJO k uS DJMk

k&u k mLHv Dj cuk mbjvDW k JJmLl
k i n mL n mL SkwDj k vkwl k i
pmm SkwDj JYi cW c momW k mL HYJHC&
{bi m kc kjv k JlJjC Dj cnu yv i n.
II. 2.1
J<& 2009-10 cW Jkwlil yc DYkl&DW k mbK 1.39

Hmo y{. 31 DHu 2009 k 29.38 uK k Dbk[ m y{kj
31 c& 2010 k Fvk mbK y{kj 29.78 uK Hnb iF&. vp
pJv yc HolDW v pnb FmcW 1.07 HlMl J= oK, JnR
pJv yc vic v FmcW 4.31 HlMl k J= oK . vp
pJv yc HolDW k Hm pJv yc vic m po Jkwlil
DYkl& p[ nS nQ .J<l lk pnb pJv yc vic k DYkl&DW
k mbK 15.75 uK L JnR vp #$ k yc HolDW k
DYkl&DW k mbK 15.93 uK L. vp yc kbHvW k
DYkl&DW k vkwl mbK 6,42,439 n l SuDF&m k
DYkl&DW k vkwl mbK 2,54,596 p o m po iv
DYkl&DW k vkwl nv k oK p mkl nQ.
mY SkwDj DOkjW k n kl&J nl n k ij pJv

yc kbHbv k mY mcJMW k Dpl kjv n Dj
DL&k HjmLlW k JJjC k Hmll kjv n
vkwl SkwDj GlHo k mbbybOl DL&k k mLlilW
k jH& k Hmll kjv n
yc kbHv
vp
Su DF m
ku
HkuJ Hvy&c k jH& Hmll kjv
luk 55
pJv yc m p[ Jkwlil DYkl&DW k JJjC
1 DHu 2009 lk
p[ ui
n i ui
1592579
1344856
2937435
625336
312547
937883
59
642439
254596
897035
31
c& 2010 lk
1575476
1402807
2978283
dm{fH$ [anmoQ>
II.2.2
Fv Dbk[W m vkuv Ju Sk y[ bl y[ mbK cW

DYkl&DW k n pv k jn . 2009-10 cW vkwl k i
DYkl&DW k mbK 9.37 uK L pyk n i DYkl&DW
k mbK 8.97 uK L. n HjM pJv yc vic k ckyu
vp yckl&DW k uS Dj Y yj L. pnb vp yc HolDW
k n o omj Dj pJv yc vic v 3.12 uK DYkl&
vkwl k Dj 2.54 uK DYkl&DW k n. y[ mbK cW
DYkl&DW k n pv m vkjlck vlp k oK mkl nQ.
Hnu l n yckl&DW k Jll mLl Hj kH yP [ul
yckl&
vp
Su DF& m
ku
2009-10
n kwWk yckl&DW k Fvk luM, vkwl SJb HM#C ov

Do kX cW kH mc Dj Hbp K& kjl nQ. omj Dj
Fvk mJW mcHl nv k yo Fvk j DjbY k iF& Hum
Jmll DvL n pl n Dj H mJ Hol k DYJ cW mcHl
n pl n ~ lmj SpWm k sJ Y Ocu nl n kwWk uiW
cW lL YJ< cW Fm HM cW Dv k Fs jKv Ju uiW k Fmcb
mLlJ k kc vpj Dv uil n Dj pmm Ds DYkl&
HHl kjv Dj Y kv n pl n ~ Fm uS n mY YiojW
k nlW cW n k DYkl&DW k ynj pv k mbK cW kc uS~
luk 56
pJv yc m p[ vicl DYkl&DW k JJjC
1 DHu 2009 lk
p[ ui
n i ui
31
c& 2010 lk
2091
686
357
2420
415
167
72
510
2506
853
429
2930
b=KuJj v JJm k HoM&v
II.2.3 31 c& 2010 k vicl DYkl&DW k mbK 2930 L
pyk 853 v DYkl& 2009-10 k ojv p[ i py k 429

vicl DYkl&DW k mJ k mcHl kj o i . Fm Hkj
m Hsu mu k ckyu vicl DYkl& k mbK cW Km
J= 16.92 HlMl (3.77 HlMl 2008-09) k J= k oK p
mkl n ~
Jkwlil v JJm
II.2.5 n mym Hnu yj n k yc #$ cW JkwlW k DYkl&
k uS vkwl nv k ck o i n Dj DHv v ypvm

kjv k mnj o n. Jkwlil DYkl&DW v v ypvm
Hcc k MDl kjv k Jpn m JHj cW J= k oK p
mkl n py k J<& 2008-09 cW 79.57 HlMl jnv Hj J<& 200910 cW Fmk J= mcv H m nkj 79.61 HlMl lk Hnb n.
II.2.4
Sk yc kbHv k uFmWm HHl k DYkl& v Dj

Sk yc kbHv cW Gvk SpWm k lo cW mLv HjJl&v k mHjM
kj jn nQ pmm H@um nu[jW k DHv HcjMW k Yilv
kjv k uS mcm GlHvv n jn n mL DYkl& k Hum
Hj cuv Ju uY k HHl kjv kvFb n jn n Fmk
kjC mJ cW kJ~ HOkjC DYkl&DW k k Dvmj
Gvk mJO kjv k uS yc kbHv k vl H m n
voxM o i n o km yc kbHv cW uF&mWm HHl k
DYkl& v DHv yc kbHv k s[kj omj yc kbHv cW
mLvbljC nl n l Gm yc kbHv ncb kF& DHll vnR HcCH$
pj nv k yo Gm DYkl& k mLvbljC k p mkl n
Dj Fm Hkj yc kbHv cW DYkl& vkwl nv k uS kbHv
DHv H@um Ojk k Fmk uKl H cW mv ov ni
GHjkwl mj ccuW k yc Jvck Dj Jkm HOkjC k
voxM k Dvmj kjv n ~
II.2.6
v JJm cW Hl# Kjooj k nmm 2008-09 k

9.69 HlMl m y{kj 2009-10 cW 10.60 HlMl lk Hnb i.
Hl# Mj k Jk cW ijJ k oK p mkl nQ pyk 200809 cW 4.76 k ckyu J<& 2009-10 cW 4.13 HlMl lk Hnb iF&
n. pnb vp ycHolDW v v JJm k 10.73 HlMl nmm
Hl# Kjoj m HHl k, JnR pJv yc vic v vF& =bKu
vic v Fm =bKu m kF& v JJm Dp&l vnR k.
II.2.7
vp pJv yc HolDW j p i v JJmk

Hcc cW vicl DYkl&DW k nmmoj 2008-09 k 31.70
HlMl m 2008.09 cW y{kj 35.16 HlMl n iF&. omj Dj
pJv yc vic v v JJmk Hcc k 97.75 HlMl
Jkwlil DYkl&DW m HHl k.
60
dm{fH$ [anmoQ>
2009-10
luk 57
pJv yckl&DW j Jkwlk C cW v JJmW cW k i HoM&v =Kuy
pJv yckl&
vp ku
pJv yc vic #
ku
Jkwlil
DYkl&
50.67
97.75
79.61
Xbmb
vicl DYkl&
yQk
omj*
24.88
1.64
10.60
10.28
0.52
4.28
Hl#
ku
Jk Jkwlil v
JJm
3.44
0.09
1.38
10.73
0.00
4.13
100.00
100.00
100.00
(mbK HlMl cW)

H<l
k nS
7.85
0.18
3.13
*Sm F&kF& p yQk v n ukv vicl DYkl& k H cW op& n

# mijHj v JJm m p Hcc k vnR p[ i .
v 1. v JJmk Hcc cW Hnu mu k Hcc Dj Sku Hcc Mcu n.
2. jHju JJmL k cOc m nF& pvkj k mbybOl =bKu cW Mcu k i n.
pJv ycHolDW j Jkwlk C cW v JJmW cW k i HoM&v =bKuy
OrdZ ~r_mH$VmAm| H$m `{$JV Z`m `dgm` MbZ AZwgma
{Z{O
EbAmBgr#
Hw$b
`{$JV
A{^H$Vm
#
{ZJ{_V
A{^H$Vm - ~H$
{ZJ{_V
A`
Xbmb
`j {dH$`
`h {dXoemr Z`m `mnma r{_`_ Zht XemVm
mcn v JJm
Fm vu k pjS 0.75 HlMl k HHl k n. J<& 2008-09 cW

vu cW SuDF&m k nmm 12.11 HlMl Dj vp yckl&DW
k 0.32 HlMl L Dj Sk cK] vu cW vp yckl&DW
yQkbi k cK nv k oK p mkl n. J<& 2009-10 cb ku
mcn cW vp yckl&DW k (2008-09) cW 9.19 HlMl nv Hj
yQk k FbMjWm 8.67 HlMl nv k oK p mkl n.
II.2.8
mcn v JJm k uS Hl# Jk JljC k mym

HcK cOc yv nD n. 2008-09 cW Fmk nmmoj 86.34 HlMl
L p 2009-10 cW 89.34 HlMl n iF&.
II.2.9 pnb pJv yc vic v mcn yc kjyj k 7.44 HlMl
HjbHjil Jkwlil SpWm k cOc m k JnR vp yc HolDW
61
dm{fH$ [anmoQ>
pJv yckl&DW
2009-10
luk 58
pJv yckl&DW j Jkwlil SJb mcn C cW v JJmW cW
k i HoM&v =bKuy 2009-10
Jkwlil
vicl DYkl&
Xbmb
Hl#
ku
DYkl&
yQk
A`*
Jk Jkwlil v
JJm
vp
0.75
8.67
pJv yc vic#
7.44
0.06
ku
5.81
2.15
* Sm F&kF& p yQk v n ukv vicl DYkl& k H cW op& n
4.96
0.31
1.44
1.88
1.05
1.25
83.74
91.15
89.34
100.00
100.00
100.00
H<l
k nS
0.62
0.15
# mijHj v JJm m p Hcc k vnR p[ i n.

OrdZ ~r_mH$VmAm| H$m Jwn Z`m `dgm` MZb AZwgma
{Z{O
# gr #
EbAmB
Hw$b
`{$JV
A{^H$Vm
# `h
{ZJ{_V
A{^H$Vm - ~H$
{ZJ{_V
A`
Xbmb
`j {dH$`
g_wnma Ho$ Zò `mnma r{_`_ H$mo Zht XemVm &
Jkwlil SJb mcn kjyj

kc DF&. Jn cOc pmv Hsu J<& k luv cW y[ J=
oK, Hl# Jk jn . 2008-09 k 21.11 HlMl k luv cW
Fm cOc v 2009-10 cW 25.73 HlMl k nmmoj k.
II.2.10
pnb v yc JJm uv cW Jkwlil DYkl&Db k

Yck cnlJHC& jn. Skk=l mlj Hj Jkwlil SJb mcn JJm
ovW v JJm k 60.91 Hmo nmm iov k i.
H 2008-09 k 65.45 HlMl k luv cW Gvk nmmoj cW
62
dm{fH$ [anmoQ>
2009-10
luk 59
pJv yckl&DW j Jkwlil SJb mcn C cW v JJmW cW
k i HoM&v =bKuy 2009-10
pJv yckl&DW
Jkwlil
DYkl&
Xbmb
vicl DYkl&
yQk
A`*
41.85
22.02
vp
pJv yc vic#
71.14
1.17
ku
60.91
8.46
* Sm F&kF& p yQk v n ukv vicl DYkl& k H cW op& n
9.34
0.46
3.56
3.16
0.37
1.34
Hl#
ku
Jk Jkwlil v
JJm
23.63
26.86
25.73
100
100
100
(mbK HlMl cW)

H<l
k nS
6.57
0.12
2.37
# mijHj v JJm m p Hcc k vnR p[ i n.

NEW
INSURERS
pJv yBUSINESS
ckl&DW j JPREMIUM
kwlil SJb mcn OF
C cWLIFE
v JJmW
cW
(INDIVIDUAL
GROUP)
k i HoM&v =bK&uy
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EbAmB
Hw$b
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A{^H$Vm
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{ZJ{_V
A{^H$Vm - ~H$
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A`
Xbmb
`j {dH$`
g_wnma Ho$ Zò `mnma r{_`_ H$mo Zht XemVm &
mJx#k Dj nv vO&jk
Fm Dv%Hl k HHl kjv k uS DJok k vJov kjv
ni. yc Jvck Dj Jkm HOkjC Jvcv 2000 cW
o i Dv%Hl, JJmk DJMklDW k Hl& Dj Hj<o
k k[ k vcJu k Dvmj Dv%Hl k HHl kjv k uS
vJov kj mkl n.
II.2.11 yc Jvck Dj Jkm HOkjC yc DOvc 1938

Kb[ 64 Sc vcW k Dvmj mJx#k Dj nv vO&jk k
Dv%Hl pj k n. Sk Jkwl, Sk kbHv Sk mbmL

HOkjC mJx#k Dj nv vO&jk k vkwl kj mkl n
63
dm{fH$ [anmoQ>
2009-10
luk 61
mJx#k Dj nv vO&jk m mbybOl Mkl
II.2.12 yc Jvck Dj Jkm HOkjC k HM#CLa mJxj
k uS DL&k J<& 2009-10 cW HHl k DJov H$ 673 k

ckyu mJxj ^v k 373 v Dv%HlW k pj k n.
Dj Fv HM#C mJxjW k Hilck HM#C Y o pl n
Dj Dpl Hj# GllC& nv n. yc Jvck Dj Jkm
HOkjC 2009-10 cW 2,175 Dv%HlW k vJvkjC DJMk
mcj HHl kjk k i n. Hnu k $cmk cW 2010-11 cW
359 Dv%HlW k vJkjC kjk pj k i n.
mc
HHl k
DHu 2009 - c& 2010
77
DHu - pv 2010
33
77
33
Ho ccu, k oj kjv Dj vu cW DHv

Mkl k Jkwl kjv
3.
luk 60
mJx#k Dj nv vO&jk k pj k
Dv%HlW k mbK
II.3.1
yc mJx vu, JYvv G vu, GHYkwl

Doul, vijk Doul, ScSm Dj ScDjH cW DHu 20082009 k DJO k ojv oj k i, vH DLJ Kjp
k i ckocW v GHuyO n.
DHu 2009 m DHu 2010 m

c& 2010 lk pv 2010 lk
vF& Dv%Hl
Jkwlil
vicl
vJvkjC
Jkwlil
vicl
HM#CLa k HJM mbK
Hl
335
73
38
2117
341
58
18
673
178
luk 62
Xmà {H$ò Jò _m_bm| H$m {ddaU
{ddaU
_m_bm| H$s g`m
mJx vu cW oj ccu
JYvv G vuW cW oj j k
II.2.13
yc Jvck Dj Jkm OkjC DOvc 1999

H{ Jvcv 9/1 k Dvmj OkjC m pj k i D%
k vbyj yJJH/mJxj/D[&j/SuSm/153/09/2010 ovbk 6
mlbyj 2010 k Dvmj mMu k Oj k pj k i
Dv%Hl mb 2555 k loml k i . HOkjC m pj k
i HjJ=ll mb 27/yJJH/mJxj/HjH$/Diml 10 ovbk 27
Diml 2010 mY ij pJv yc kbHvW k uS mJx#k Dj
nv vO&jk k vkwl k i n. yc Jvck Jkm
HOkjC k voxMW k Dvmj nv vO&jk k cu o
20,000/- m DOk n l Fm u@m Smm k mJx#C Yjl mjkj
m HkMl jpH$l mbK SH 51(15) DF&SvSm/1/69 ovbk
30 cF& 1970 vkwl mJxjW k n u@m Smm k cu k vO&jC
kjv k mJx#C kjv k m#c cv pl n Dj Gvk Hm JOlHC&
Dv%Hl kwl nv Y pj n HOkjC m pj k i JOl
Dv%HlOjk kjyj k Ji& Dj Dv%Hl cW ml kjyj k
u n Dvcl o iF& n.
JYvv G vuW cW oj
Mv
45
5
j DHu/SuHS
JYvv G vuW cW oj mc#
/ynu/mH<kjC/k
op& DJcvv k
op& GHYkwl ccu
25
op& oJv ccu
op& ScSm ScDjH ccu
ku
SuHS um& HW DHu
64
81
dm{fH$ [anmoQ>
II.3.2 yc v o iF& mjC cW J<& k ojv vH o i DLJ
Kjp kj o i ccu o i n.
ui L. yc kbHv DHv mj# k oj cW Fm J< cW yc

Jvck Dj Jkm HOkjC DHv k cW n Hmll k
n k yc Jvck Dj Jkm HOkjC DOvc k Dvmj
GHYkwl Hjj#C DOvc k Dbli&l Fm ccu k Hj<kj
kjv k no m ynj n Dj ccu k n o i n.
luk 63
k oj kjv Dj ccuW k nu kjv
JJjC
Kjp k i
ccuW k mbK
vHF&/Kjp k
j k
vHF&/Kjp k iF&
j DHu/SuHS
vH/Kjp k
i GHYkwl ccu
vH/Kjp k
i oJv ccu
vH Kjp k i
ScSm/ScDjH ccu
ku
DF&Dj[S
k ci&oM&v
k mL*
DF&Dj[S
k ci&oM&v
k yij
12
0
1
0
3
0
1
26
DoM cvv mJx vu m pj k i D% ovbk

k k ljmk=l kjv k yyl Hj Jj JcM&
k n Fm J< k yj cW kF& Jj kjv k DOj vnR n Dj
Svm[Djm m pj k i Hmu k n Hj m pj k
n.
11 cF& 2009
II.3.4 ccu mbK 842/08 Ho kc[ Dj [jJJ HFJ
uc[ JH# SvDF&J SJb Dj Dv pu GHYkwl ccuW

Hjc, nojyo SH
Ho kc[ Dj [jFJJm HFJ uc[ Hmll k

i DHv Mkl k v Fb[ DMjvm kbHv uc[ k JH#
cW DHv oj k Hmll k n m@k ykm& Fv[cv Fvmjvm
H@um, GHjkwl H@um k Dbli&l Gkwl k DOv cW Dv
k J< vnR nl n FmuS yc Jvck Dj Jkm HOkjC
DOvc k Dbli&l lJv k Dvmj GHYkwl mj# DOvc
k Dvmj GHjkwl ccu k Hjnj ov k J< vnR nv k
yl Dj Gkwl vc k ccu m n o i n.
DoM cvv Hjc yc Jvck Dj Jkm HOkjC m
Hmll k k mJkj kjl nS mj y[ DOvc k
Dvmj mbmo Sk DOkjk kc k vkwl k n Dj FmcW
yc Jvck Dj Jkm HOkjC m ml k Muk cW
kF& HjJl&v vn k pi. yc Jvck Dj Jkm
HOkjC k vcJu k Dvmj GHjkwl k k oj
k H# DJok n vnR mkl n Dj pj k i D% k
joo k i n ovbk 9 Dkwlyj 2009.
*yc Jvck Dj Jkm HOkjC k Mkl Hk<
HumOjk, yc cOmL SJb Dv lW m JYvv pJv yc

kbHvW k J Mkl op& kjl n. MklW k op& nv
Hj Hk< o Hkj m k&JF& kjl n.
SuHS um& HW DHu
2009-10
2009-10
k ku cW pj k D%DW k JJjC
SmSuH vbyj 7598/ Fb[ vF[ FbMjWm kbHv

uc[ JH# yHm Di&vkwm uc[ Dj Dv cvv
mJx vu k mc# HM k i n
II.3.5 k mbK 6/2009 nj< kcj JH# SvDF&m Dj

Dv lp npj vu vF& ouu
II.3.3
cmm& vuFH n@mHu Dj cvj mWj k cK JJmLHk

v k k oKu k Dj HS k mL uK i mbJo
omlJp k joo k Gmk J Dj joo vnR kjv k yyl
cW JjOv kjv k uS HL&v k F c[k muMv uc[
klm GHuyO kjv k uS jM k kc k pv k yl
jiW k klm GHuyO kjv k uS DHv c[ku mWj cb
yv km kjC k yll nS GHjkwl klm mbybO Muk k
Hj<kj kjv k uS k k mcH&l k n. Dy lk
ji km Hkj k HjJj HHl vnR nD n.
yHm Di&vkwm uc[ DHv k k j<^ GHYkwl

k ccuW j[^mu Di Svm[Djm JH# vF[ Fb[
FbMjWm kbHv uc[ Div k oI&v k Hl Hjnj k
cbi kjl nS k k oj k i. Fm k cW cbi i
Div onv k JmlDW k cu DOk yl i. pm k H@um
k Dbli&l Hjnj k cbi JmlDW k cu po ylv k kjC
Fm J< k yc Jvck Dj Jkm HOkjC v GHjkwl
k k Hjnj k oJW k ljmkj k Dj Hjnj k uS
Hs i jM 5,31,71,000 H@um Ojk k ov k uS jk
65
dm{fH$ [anmoQ>
2009-10
4.
yc Jvck Dj Jkm HOkjC k Sk HlJo k H cW

yll nS Dy lk ji km Hkj k Hjnj jM HHl vnR nv
k yyl cW oj k mcH&l k i n. Jo Dj HS ovW k
y cb ccu k Hj<kj k yj cW p Fkjj k i n Gmk
Dvmj Jo Dj HlJo HS k y cW GHjkwl ccu k
Hj<kj kjv k DOkj vnR nv k kjC HlJo 1 Dj
HlJo 2 k Hl uKk kLv k mcH&l HlJo k i n
Dj D% 1 vc 10(2) k mHm k Dvmj GHjkwl vc k
k ov k D% ov k uS HL&v k i n.
yc cW Dblj&<^ mnl Dj mnkjl
yc H&J#kW k Dbljj<^ mcl (DF&SDF&Sm)

II.4.1
Dbljj<^ yc H&J#k Hj<o k iv 1994 cW yc

H&J#kW SJb Dv Jll #$ k H&J#kW k y mni y{v
k uS k i. yo k J<X cW moml lp m y{ n Dj 180
m DOk vuW k H&J#k Fmk mom yv nQ. Fmk Dljkwl
100 mbiv SJb HMJj Hj<o, yc SJb Hvyac kbHv, Dbljj<^
Jll mbmLv, munkj SJb Dv HMJj Fmk DJ#k yv n.
n Yioj yll n k yc ypj JMJk Hk=l k Dj y{
jn n lL Fmk uS mbil H m cvk JJnj SJb H&J#C k
pjl n. Fmk Dljkwl n Jll mLlJ k uS DJMk
cpyl H&J#C lb$ k pjl Y cnmm kjl n. vl vc&lDW
lL HMJjW ovW k Sk cb cW ukj DF&SDF&Sm DvYJW,
JM<%l lL mcP k Dov-Hov j cvk vc&C SJb vlW
k kvJv cW HcK Yck vY jn n.
DoM GHjkwl HlJoW k vJov k yc Jvck Dj

Jkm HOkjC k mJkj kjl nS pj k D% vbyj 26
vJbyj 2009 yc Jvck Dj Jkm HOkjC k vc Hj
pj k i D% k k ov k vC& u i n.
[yu H vbyj 1521/08 npj Klv JH# SvDF&m Dj
cvv G vu inl k ccu
II.3.6
II.4.2 DF&SDF&Sm k ilJOb 15 mom k&kj mcl

k ci&oM&v cW uF& pl nQ p JMJ k JYvv nmmW m v
pl nQ mL n yp mcl k Sk DO# Y nl n p mom
l nl n ukv pm clov k DOkj vnR nl. Fm lkvk
mcl, k&vJv mcl lL yp mcl Do k coo cul
n. DF&SDF&Sm k ovk JJmW Dj ilJOW k mbuv
mJu j k pl n p yQk Hj FbjvMvu mucW,
ymu, mJpjuQ[ cW mLl n.
`m{MH$mH$Vm Zo ZoeZb ~r_m H$. {b. Ho$ AnZo n{V H$s _`w Ho$ Xmdo Ho$
{ZaVH$aU H$mo MwZmVr Xr h VWm `h H$hm h {H$ Bgo Jwn {Z{O ~r_m
nm{bgr Ho$ AVJV Omo{H$ JmoS>Z _Q>r gd}gg
o b~ {b. (OrE_Eggr)
EZ AmBgr Zo br h, {Og_| b~ Ho$ g^r gX` ~r{_V h &
GHjkwl Hjnj k Hj<kj kjv k J< k yj cW pScSmm
uc[ m Hmll k vJov cW oI&v iml nv k ovbk m
90 ovW k Dbli&l Hjnj ov k uS D% ov k HL&v k
i n Dj HHl k yc cu k Hjnj k H cW ov k HL&v
k i n oI&v iml ovbk m o cnvW cW GHjkwl ccu k
Hjnv ov k HL&v k i n Dj Fm k k pScSmm
v yc kbHv k GHjkwl yl m yl pv k yo Hmll k
i n.
II.4.3
DF&SDF&Sm v HYJ yc H&J#C #$ k uS mbl,

cvk SJb ci&oM&v lj k nQ. Sm kjl nS Fmv HjoMa SJb
m#c yc ypj lj k n p HumOjkW k mj# SJb
uY k uS GHi n. DF&SDF&Sm v F&M HHj Y lj k
nQ p yc H&J#kW k k J<W cW pvkj Hov kjWi.
DoM cvv vu m pj k i D% ovbk 2 c&

2010 Jo m Hmll k i k k J< k Dvmj GHjkwl
k k Gl mc Hj mcH&l kjv k yj cW pSSmm
uc[ GHjkwl k k Hjnj ov k yyl cW Gl mc
Hj vJov Hmll vn bkjv k kjC yc kbHv Fkjj vO&jl
mc k Dbli&l vJov Hmll vnR nv k yyl Hj GHjkwl Jo
k k k ljmk=l k i n. GHjkwl kjC m GHjkwl
k k mJkj vnR k i n. yc kbHv m Hmll k
i vJov cW mc vku pv k yj cW yl pv k yo Y
GHjkwl ccu k k k mJkj k i n Dj Hjnj
ov k vC& k i Dj HHl yc cu jM k Jo k ov
k vC& k D% k pj k i n.
II.4.4 DF&SDF&Sm omj Dblj&<^ Jll mbmLDW SJb Dblj<^
H&J#kW DLJ vckW k mbiv m vkv m p[ n Dj

JMJk Jll JJmL k H ov cW Dnc Yck vY jn n.
Km lj Hj DF&SDF&Sm mbkwl ou k Ik nmm n. n
Jll mLlJ cb cW Y HlvOlJ kjl n. DF&SDF&Sm,
FbjvMvu, SkGbbi mQ[[& y[& DF&SSmy k Fmk
Dbljj<^ Jll cvkW k jH^bi k uS Y mnl Hov
kjl n n jH& ycHolDW k uS kH GHi nl n.
66
dm{fH$ [anmoQ>
II.4.6
n DF&SSmy k cvk munkj Hj<o k mom Y n Dj

mL n FbMjWm Jki iH lL HFvWMu FbmcW Jki iH
k DOkjk H&J#k Y n. Fm HFvWMu SkwMv mk
Hm& p DlbkJoW k Jll GHuyO kjv lL cv ub[^bi
pm cd oKl n, cW Y H&J#k k op& cu n.
JMJ DL&k JHllb k mcm GlHvv nv k yo

DF&SDF&Sm Dui Dui kcW k vkwl k n H&J#C
kjv k yc k kSb Dj mcn k mbybO yc Hjnj ov k
yjW GlHvv nv k mcmSB Do k yj cW pb H[lu Dj
JM< DOv kjv k uS DL&k ccuW k yj cW HFvvmu
kbiucj Dj Dv cK #$ mcj H@um nu[j Dj
GHYkwl mj# Dj mnkjl H&J#k Dv mclb Dvk
Hkj k ckx k mbybOl J<W Hj JM< DOv k n Dj
yc kbHvW Dj cOmL Do kbHvW v ypj k HjmLlW
k yj cb DOv k n.
II.4.5
HOkjC k HlvOlJ DO# j k&kjmcl cW

lL Dv momW k HlvOlJ DF &SD F& Sm k JYvv mclW
cW nl n p yc kjj, uK m p[ H#, yc kvv, Hvyac,
Jll kbHvW k mbiv, $CMOv OKO[ Do ccu oKl
n. DF S DF Sm kcW yc Fkjj, uKpK nmy kly,
yc DOvc, Hvyac, DL&k kbiucjm, $CMOv , OK
O[ Do J<W k Hj<kj Dui Dui kcb Dj GH kcb
v o kcW Dj GH kcW k yc Jvck Dj Jkm
HOkjC v o Hkj DHv DYcl k Hmll k n Fvk
JJjC Fm mjC cW o i n
5.
luk 64
DFSDFSm k mclb J GH mclb
2009-10
bmoH$ {eH$m`V|
II.5.1
pJv yckl&
HOkjC k Mkl Hk< H@umOjkW m yc kbHvW k

J k iF& MklW op& kjl n. n Sm MklW k kbHv
k Hm nu kjv k uS Yp ol n. py kbHv j MklW nu
kj u pl nb l kbHvW m n DM k pl n k Jn
HOkjC k Fvk nu nv Dv p Y n, Fmk yj cW ml
kjWi. 31 c& 2010 lk HOkjC k Hm pJv yc kbHvW
j nu k pv Ju 395 MklW Jj k u H[ L. 200910 k ojv HOkjC v 2449 MklW op& k pvcW J<& 200809 cW 1,794 k Hj<kj k i n Dj FmcW J<& 2008-09 k
mbybO 481 Mkl FvcW m SuDF&m k mbybOl 606 MklW
Dj J<& 2008-09 cW HHl k Mkl 1,313 cW vp yc kbHvW
k mbbybOl MklW k mbK 1,843 yl i n.
k&kj mcl
lkvk mcl
k&vJv mcl
k&vJv ilJOB Dvcov GH mcl
yc mcn J Dbl#$& ccu GH mcl
yc mcn Dj km mkwju ccu k GH mcl
iJvm Dj ccuW k Hj<kj kjv k GH mcl
Hvyac Dj Dv Hkj Dj GH mcl /Hvyac
cDu Dvcov GH mLvbljC k mcmSB GH mcn
yc OKO[ GH mcl
muJWvm GH mcl
yc Fkjj GH mcl
HWMv mcvJ mcn
ypj DO]v GH mcl
cF yc mbkwl k&kj mcn (mpSH)
luk 65
Mkl k mLl : pJv yc k&
yc kbHv
SuDF&m
vp
ku
Hj yk
cW op& k
Mkl
2009-10
2009-10 lk
Hj<kj k n
31-03-2010 lk
DHj<k=l ccuW
k mbK
186
272
458
606
1843
2449
642
1870
2512
150
245
395
31-03-2009
67
2009-10
dm{fH$ [anmoQ>
II.5.2. yc kbHvb 2008-09 cW HHl k MklW 83.70 HlMl
HHl k n Dj Gkwl ccuW k J<& 2009-10 cW 86.4 HlMl k
nu k i n. vp yc kbHvW m HHl k MklW cW
2008-09 cW Hbpk=l MklW 83.0 HlMl k nv Hj SuDF&m
GHjkwl MklW J<& 2008-09 cW HHl k Mkl 84.0 HlMl
Fvcb m 81.0 MklW k Hj<kj k i n HOkjC k

mL GHjkwl ccuW k nu k i n 31 c& 2010 lk yc
kbHvW k Hm ku 395 ccu DHj<k=l nb ~ FvcW vp yc
kbHvW k 245 Dj SmDF&m m mbybOl 150 nv k yl
i n.
mjC 66
Mkl Hk< cW op& MklW k JiakjC
pJv yc 2009-10
kcbk
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
23.
24.
25.
26.
27.
28.
MklW k Hk=l
iul pv SJb MlX k Dbyv
iul Jk
v ubk[ J
pc k jM k JHm v ov
H@um yb[ HHl vnR nD
vMuk vO k JHm kjv
H@um k vjmlkjC
H@um JOv cW iulb
H@um k vku pj k i
Hcc k mcv kjv
JOv cW HjJl&v
H@umW k mLil nS Gvk HvJJmLHv
vcvMv/DmFvcW H@umb
H@um DYuK k mLvbljC
uKpK/yvm k HHl vnR nv k
mjW[j k cu DHHl nv k yj cW
cj Yilv jMW k DHHl nv
yjyj mjW[j cu k Yilv vnR k i
oJ k Yilv vnR k i
jH[Mv DH kwuc
J<&k J= k Yilv k jM vnR o i
mJ&FJu jM k Yilv vnR k
cbi iF& oJ k jM k cu yjyj vnR
DbMk Yi n mbybOl n
Hvu yp jM k Yilv vnR k
mJmL yc mbybOl
Sv S J k mbybOl
Dv
ku
MklW k mbK
ku MklW k HlMl
394
16.1
186
7.6
298
12.2
64
2.6
217
8.9
100
4.1
294
12.0
38
1.6
0.2
129
5.3
94
3.8
65
2.7
0.2
13
0.5
22
0.9
48
2.0
66
2.7
105
4.3
128
5.2
35
1.4
39
1.6
11
0.4
0.2
0.2
10
0.4
29
1.2
14
0.6
29
1.2
2449
100.0
68
dm{fH$ [anmoQ>
II.5.3. yc DF&Dj[S k pJv yc Mkl Hk< cW 200910 lk HHl k op& MklW k JMu<C kjv Hj Fvk cnlJHC&
2009-10
16.1 HlMl, v ubk m mbybOl 12.2 HlMl Dj HumW
k vjmlkjC k 12.0 HlMl
kjCW k Kum nD n pvk Dbli&l iul pv SJb Mlx

luk 67
MklW k mLl pJv yc
DHu pv 2010
ycHol
31.3.2010
DHu m
DHu m pv
lk yk
pv 2010 lk
2010 lk
op& k iF&
MklW
SuDF&m
vp
ku
150
245
395
246
662
908
30.06.2010
lk yk ccuW
vH i
ccu
141
152
293
255
755
1010
v k<k cW o i Dbk[ vH i MklW k HlMl n.

II.5.6. 31 c& 2010 lk HHl k iF& MklW 556 lk n n ij
II.5.4. DL&k J<& k Hnu k $cmk cW Hk< cW HHl k i
pJv yc kbHvW k JH# HHl k i n Dj n ccu
MklW k mbK 908 Dj 31 c& 2010 lk Hk< cW HHl
ubyl n Dj Hum k mbbybOl 33.27 HlMl n Dj 43.71
k MklW cW 1303 k Hj<kj k i n kJu 293 MklW
H
lMl vv mucb / ubyl Dj jH[SMv/DbMk Yilv
k Hj<kj kjv yk jn i n. HHl MklW cW 1010 k
oJ k mbybOl n.
Hj<kj k i n.
ij pJv yc kbHvb
II.5.7. 2010-11
Jl&cv DL&k J<& k Hnu $cmk cW yc

Jvck Dj Jkm HOkjC m HHl k MklW k
HbpkjC k mbK 684 n Dj vp ij pJv yc kbHvW m
mbybOl 373 ccu nQ Dj vp GHkc kbHvW m mbybOl 311
n. vp GHkc k ccu MklW 127 k Hj<kj k i
15.88 HlMl vp yc kbHvW k Hj<kj 161 v 36.60
HlMl k Hj<kj k i Dj Dmlv 288 v 23.23 HlMl
MklW k Hnu $cmk cW Hj<kj k i n ~ ovbk 30
pv 2010 lk ubyl MklW k mbK 952 p yc kbHvW
k mL ubyl jn n. Hk< mu Fv MklW k Hj<kj kj
jn n
II.5.5. ij pJv yc mbybO MklW k Hj<kj 79.63 HlMl
lk HHl k i n. vp ij pJv yc kbHv k MklW

89.47 HlMl lk HjMkj k i n Dj vp ij pJv yc
kbHvb MklW k Hj<kj 71.61 HlMl lk k i n.
31 c& 2010 lk 556 MklW ubyl jn i n vp GHkc k
129 MklW n Dj vp ij pJv yc kbHv m HHl Mkl
427 jn nb ~
yc kbHv
mJ&pvk
31-3-2009 lk
Hk<
443
luk 68
{eH$m`Vm| H$s pW{V - Ja OrdZ ~r_mH$Vm - 2009-10 _|
Hk<
2009-10 cW
31-3-2010 m
mnp H m yk DH yk
yk
Hj<kj k
lk
mu HHl MklW
2009-10
lk HHl
yk
S
y
m
1061
1077
427
126
198
81
22
129
59
45
22
556
185
(33.27)
243
(43.71)
103
(18.53)
25
(4.50)
(71.61)
vp
210
1015
1096
(89.47)
ku
653
2076
2173
(79.63)
HHC k<k cW o vbyj HlMl cW o i MklW k Hk< mu Fm J<& cW HHl k n

H$) H@um m mbybOl mcmSb
I) vv mucW oJ vHv ubyl
J) jH[Mv / DMbk oJ vHv

K) Dv kjC
69
dm{fH$ [anmoQ>
yc kbHv
31-3-2010
lk
yk m
2009-10
luk 69
Mkl k mLl ij pJv yc kbHvb
(DHu m pv 2010 lk)
Hk<
DHu m pv 2010
DHu m pv 2010
Hj<kj k
lk HHl
mJ&pvk
427
373
vp
129
311
ku
556
684
127
(15.88)
161
(36.60)
288
(23.23)
30-6-2010
lk
yk
673
279
952
HHC GHjkwl k<k cW o Hk< mu m HHl k MklW k DHu m pv 2010 lk HlMl lk HHl k i n.
6.
yc mcl J yc Hj<o
II.6.3. cvJ mbmOv Dj HMmv kc v 2009-10 cW kc k

Hvi&v k n Dj n kc J<& cW o yj mY k Dpl
kjl n mL n DHpu mmc k vC& Dj yc Hj<o k
kc&j k uS kjl n. [ ym k kc&j k vku
ov k cK kjC Gvk k& mHl& ok vnR L Dj mcv
Hc yc Gi k u lj k n DOk=l JMJmv
mbmL m Dvcov u n.
pJv yc Hj<o
II.6.1. pJv yc Hj<o k iv yc DOvc 1938 k Dvso
64 m k Dbli&l nD n. mY pJv yc HolDW k Fmk
mom yv i n lL n mF&D cK kkj DOkj j

HlvOlJ kjl nQ. DF&Dj[S k Dj m o mom vcl nl
nQ pvcW m Sk Hj<o k DO# nl n. cnmJ Hj<o k
cK k&kj k ljn k& kjl nQ. Jll J<& 2009-10 k
ojv Hj<o k yk 6 yj nF&. Hj<o v ynl m GHmL
mclb yvF& nQ. Fmk Dljkwl, py Y km JM< #$ cW
k& kjv k pjl nl n ly Fm k&ou k cOc m k
pl n pvk vc&C mc mc Hj GYjv Ju cW Hj &
kjv k uS k pl n. 2009-10 cW nS k& k mb#Hl HjK
II.6.4.mbKk
Dbk[ GHmcl k yk DHjk H m

J<& o yj nF& Dj Hsu Dbk[W k mbkuv Dj HkMv cW ks
mbMOv k. 2009-10 k uS Dblc Dbk[W k l mcn
k mbkul k i n. GHmcl v JYvv Dbk[W k Hj#C
Dj Gi, vck SJb pvl k uS Dbk[ GHuyO kjv Hj
k& Y DjbY k.
II.6.5.JOk
SJb DvHuv GH mcl k 2009-10 cW Hvi&v

k i Fm mcl v vic HMmv kHxj HMmv, pJv
yc HumW k [c, Jkwlil DYkl&DW k DvHll HcCH$
o pv cW uiv Ju DJO cW kc Do J<W Hj cnlJHC&
DvMbm o.
II.6.2. mSHD k GHmcl J<& k ojv Hb yj cu.
Fvk
yk cW ynl m cW Hj & nF& pvcW kjjHC, mJ Muk,
Hc& -1, DF&SHDjSm Do m mbbybOl c nQ. Fm cb k cOc
m vic HMmv kHxj iJvXm m mbybOl SJb DvHuv mbybO
cW j & Y nF&. kv yp 2010 11 lk mJ k s, v
mO kj k[ Dj DFSHDjSm kc ljbl Jc&M cu ou k
mL mY k Dpl k n Dj pJv Gi m mbbybOl
l# kj k[ k Dblc vC& k. Sk kj iH mSHD k
HOv mJ cK pJv Hj<o v Jj< DOkj yc Jvck
Dj Jkm HOkjC m ombyj 2009 cW mbHk& k Dj Kum
k DJMklDW k mcOv pJv yc Gc k uS o n.
yc uKv GH-mcl k Hvi&v 2009-10 cW nD L ~

mcl k J<& c o yj yk nF&~ mcl v pJv [ym k ij
nS mlj cW youJ kjv Hj Jj kjv k mPJ o ~ mcl
v JM< kbHv k m m n i klm kW / klmk
k u pJv yc Gi k mPJ k u Sk m[k cv$
yvv k vC& u ~
II.6.6.
70
dm{fH$ [anmoQ>
II.6.7. pJv yc DJOjC GH kc k mL Fm J<& cW ku o
yj mbHk& k i n vJbyj 2009 uKvG Dj Dncoyo cW

c& 2010 k Sk yj mY k Dpv k i n. Fv YW k
Hb Dj Fukw^vk c[ k Fj 2 MnjW Dj mFD jGb[
yu ouu 24 pv 2009 k mY k HmjC k i n.
2009-10
pJv yc kbHvW mJ&pvkW k mcj HHl kjv
DF&[ vk Hnv vn k Hmll kjv
II.6.8. pJv yc Gc k cK HHl u# n n k mJ kj o
uH k J Dj Dv vO vJ&nC J cvv DL&k cb$

kv yp 2010 k Hmll kjv k ojv cW HmlJl k pmm
yc Gc k Sk jnl cu n.
pJv Hj<o v k&Mu JmlDW Dj mJ kj pSm
ombyj 2009 cW Dpl k. Fm k&Mu cW mFD Dj
mSHD pJv yc Gc k Dj m GHmLl nS n. Dv&m Sb[
bi Fm k&Mu k Dpv k ~ F Dj JF Sk vJov k
c[u pSm pJv yc Gc k uS Hmll k n.
v DF& Dj [ S k mc# Sk c[ pv jK n. GHmcl v

DHv pJv Hj<o JymF k HvJ&km k kc m v DHv
pJv k p[ jK n. Fm J<& mcl lv yj cu k n.
pJv yc m mbybOl pikl y{v k uS GHmcl v
pvmbHk& SpWm k vkwl k n lk pikl mbybO k&kcW
k y{J o p mk. pvmbHk& SpWm k coo Y u pmm
cK k&kj DOkjW k c[ k mL iucp kHWm
mlbyj 2009 cW jK p mk. n Dpv mHu myl nD
Dj Fmm Hb SJb Fukw^vk c[ k cOc m pJv yc k
GHil k Hj nD.
II.6.10. Hj<o m DjbY k i JymF lovmj u jnl n
Fm cW mbKk [ vJvlc mcj Dj Dv mcj GHmLl

n D<j v Hjcj u Dj $mk mbKk [ c[
Dj Gc ovW m HMbmv n. Dui Dui Yiuk HjmLlW
cW j<^ Dj Dblj&<^ Hovvl nl nD JymF k [pFv
Dj yc Jvck Dj Jkm HOkjC Dj yc ukHu
Dj mY pJv yc kbHvb k Hj mO HmjC k pl n.
lH / Mv / Hk< mu k Hj<kj k mOj Dj
Fm k pJv Hj<o k mJu cW jK o n
II.6.13.
cK mJ k HlvO pJv yc Hj<o m Dpl

2009-10 SHDFmmDF& k Dpl 13 DOJMv k Dpl
k i FmcW yc mbybO mcmb k yc mcmW k Hj<kj
2020 DF&DF&m DOJMv JHj mcmDW k Hj<kj pHj
Fvm DH cvpcW, uKvG Dj FvWmJ Hic mJmL
FMSvm HHmj nJ[& p yuvk v Dpl k n . cK
mJ k k&kc k mO Hmj Sv[J Fb[ M Dj cv
cb$ cW Hmjl k i n.
pJv Hj<o k HlvO yc Jvck Dj Jkm HOkjC

2009-10 cW Hmll k
II.6.11.Fukw^vk
cW pJv yc HumW k Hmll pJv

Hj<o k Fukw^vk mcmDW k yj cW yc Jvck Dj
Jkm HOkjC k Hmll k i n JOvk Jj k HHl
kjk Fukw^vk mcmDW k Hj<kj k pi Dj yc
Jvck Dj Jkm HOkjC Gc m cukv Fv #$W k
Hj<kj k pi.
Jl J<& 2008-09 k u yc vc 1939 k vc 17[

m s
II.6.12.pJv yc k mbybO cW pikl piv k uS GHmcl
II.6.9.
oM&v vcJu m s ov Dj yc Jvck Dj Jkm

HOkjC vJM L HjJl&v Jvc 2008 k vcW m
s ov
II.6.14. Hj<o klck jH m kc kj jn n Dj Dvk mYDW
k Dj DOJMv k mDF&DF&, Hkwk, Smc, SvDFS Dj

Dv mbbybOl y[ k mY k Dpv k i n.
II.6.15. SpW k [ym Dj Gvm GHuyO kjv k mJSb vjml
kj o n kwW k Gvk mbK Dj Jvi klck vn

nv k kjC L.
yc HHl k JkwlW k Mjjk DmJmLl

pvju FvMjvm kHxjMv (pDF&m )k vl H m mMv
cW pJv JHj k yj cW &
71
dm{fH$ [anmoQ>
mOjC yc Hj<o
2009-10
II.6.16. J<& 2009-10 cW SmyDF& pvju Fvmjvm kbHv uc[

Dj ckwm yH nuL Fvmjvm kbHv uc[ k Dicv nD n
pmm mOjC yc Hj<o cW momW k mbK 23 lk Hnb
i n.
oJ H&c Dj
vJvkjC mv HH
II.6.21. Hj<o DHv DYHW k JJjClck H m Fv J<W Hj

yc Jvck Dj Jkm HOkjC k ml k n 1. mJmL
Hum uFH ky H[kwm vcJuW k Huv kjl nS mJmL

Hum uFH kWy H[kwm k ypj cW DjbY k n 2. Jj
vijk H@um k Y ypj cW GHuyO k 3. mJmL yc
HmlJv k H uk Hj[ cW jK i n.
II.6.17. Hj<o k k&kj kc yc Jvck Jkm Dj

HOkjC k vcl Jqkwl jn n Dj ij pJv yc k mom
Hj<o k DO# Dj k&kj voMk ij pJv, cK mJ
Dj cK k&kj DOkj mY ij pJv yc kbHvW k
uS vkwl nD n Dj Gvk yc Jvck Dj Jkm HOkjC
v HbpkjC HcCH$ k Hov k n.
II.6.22.
pJv Dj ij pJv yc kbHvW k y cW mbybOl

J< k HmlJl kjl nS mJmL yc H&Hu k yj cW
yc Jvck Dj Jkm HOkjC k mL Jj JcM& k
n.
II.6.18.
J<& 2009-10 cW Hj<o k k&kj kc s yj mY

k Dpl k n. Dj Hj<o m Dpl k mY cW
Db[jjFi k&kj, mJmL yc JYiW k HOv, cK
k&kj DOkj Dj Dv Jj< k&kj mom kbHvW v
mY k Dpl k n. ij yc Gi Dvk yj DOJMv,
mbi<, ykW Dvk HW cW pm k SHDF&mmDF&, ymmDF&,
mDF&DF&, Smkc, Hm c Dj Dv mJ&pvk mYDW k
oM k JJO vijW cW Dpl k n Dj Fvk mLHv yc
Jvck Dj Jkm HOkjC v k n. cK mJ m vkwl
Gi cW DHv Yvv Yvv DYHW k Jkwl kjv k ck o
n. Dj Fv cK J<W k DL&k cb$u yc Hcb[u, HjJnv
cb$u Dj Jll cb$u jpmJ Hcb[u, mWû y[& DH [jkw
kwmm my[ DOkj v DHv JjW k Jkwl k n.
cj
II.6.23.
mym cK] ccuW k cvv Yjl mJx vu

cW HM k i n Dj JjOv cW n. oM cW Hum DOkj
pvju Fvmjvm kQmu k Jkwlil mv ov k kjC ccuW
k Hj<kj puo m nv ui Fmk HjCcmJH ks jpW k
mjkj D% k pj k i n Dj Hj<o m Hmll k
ccuW k Hmu puo m kjv k uS mnl cu n. yo cW
H#kj k H# cW vC& HHl nD n Fmk HjCcmJH mc Hj
DJMk k&JF& uv k kjC JnvW k pyl Dj j nS JnvW
k mc Hj s[v cW mnl cu n pmm Gi mW kj[W
H k K& k yl k i n.
II.6.24.
II.6.19. mOjC yc Hj<o v Fm J<& cW Dpl kjv k kl&JW
cj yc k yj cW Sk Hvv Hj Hum k JJjC okj

mcm k Hj<kj kjv k Fjo k yc Jvck Dj Jkm
HOkjC k Hmll k i HOkjC Gm Hj DHv Dvcl
o n, yv km vc Dj Ml&b m Hum k mbybO mcmDW
k Hj<kj Dj Hk puo nv ui pmm omlJWp k cC
Dj kip k J Dj uK pK k yl nv ui pmm ij
pJv Gi k kj[W HW k yl nv ui mL n J k
yl nv ui.
k Dbli&l lkvk, mJu mbybO, Jvcl, HMmk Dj

uK pK Dj kj mcmW k yj cW Jj JcM& k n.
lkvk
mJmL
II.6.20. Hj<o kc v Sk s uI GlHo k ub k n
Dj Fmk yc Jvck Dj Jkm HOkjC k ml k
n Fvk Sk HcCk HjK okj yc Jvck Dj Jkm
HOkjC k Dvcov HHl kjv k yo HcCkl k v
o Dui Dui HW cW H[kw k Jml=lkjC k i n
H[kw k mbybO Sk kj H$
HHpu HH
Hum k MyoW cW JJjC o i n Dj DvybO k H cW
HmlJl k i
cK J<W k vJ&v
II.6.25.
oHn Jnv k mbybIl oI& kuv GlljolJ ojW

k cu k Dvmj vMl kjv k uS DkwDj k vkwl
k. DF&mDF&mDF& uby[& m HC&H m mncl cuv k
kjC GHjkwl JnvW k ccuW k Hj<kj Dj vC& uv k
Hmu uv k uS DJMk n[&Jj, mHJj Dj cvJ mbmOv
mbybOl [ k Hklck Dj JMu<C kjv k pccojW
k vYv k DMJmv o n.
II.6.26.
cj Fvmjvm yj (ScDF&y) J< M<&k k DOk

Jkm i n, Dj Hj<o m Fmk Dvcov HHl nD n.
kvup mk k Hnv kjv k uS Sk mcl k vkwl
72
dm{fH$ [anmoQ>
2009-10
II.6.31.
Dblj&<^ Ky Hmbmv DYm m mOjC yc ypj

m mJkj k mbMOl Fvm DH ki& kwupm DF&mm
cjv Fvmjvm m mbybOl yc J< k HmlJl k i n.
n ScDF&y k vc&C kjv k uS Sk Jl k v k i

n. kc kvmuvm mJ&mm k vkwl k n n kbHv
Jl k H cW k& kjl nS ScDF&y yu[bi Dj Fm J< k
yj cW yc Jvck Dj Jkm HOkjC m Jj JcM& k
DHv mncl m Hj Hjpv k Fvmjvm FvHjcWMv yj
(DF&DF&y) Dj (ScDF&y )J< mbybOl Hj JJjC k mckl
kjl n Dj JHj k mbybO Hj J<W k mccul k i.
Fm Hjpv k DjbY Hj<o m k i n yc Jvck
Dj Jkm HOkjC k Jll Dj cuk DOj m Hjpv
k lj k i n. mWûFp[ [ JjnGmbi, kwJjFbi Dj
mmcm k yj cW jH& op& kjv mcj k Hmll kjv cW
nv Ju Juby k n i n DJMk Hj mcj ov cW
mnl cu i n Dj Gi k cFk mlj Hj mnl DOj
cu jn n mL n cW DJMklDW k Hj kjv k mcj Y
cuv ui pmm yj k kH uY n jn n Dj Fm Hkj k
uY kF& yj nv k <il nl n.
JOvk SJb Jvck

II.6.32.
Hj<o m ml k i Jj Dvk J<W Hj Jj

JcM& k n pvcW Fv J<W k mccul k i n
II.6.27. HjJnkW k mL Hk mbybO & kjv k yo mbKk
Jkm k oKl nS cuv k coo k oKl nS yc Jvck

Dj Jkm HOkjC m lj k i ^vpkwMvu uJu [
k Dj mH< H m ylv k mnm k n yc Jvck Dj
Jkm HOkjC k Fm JM< k& k oKl nS HjJnkW v
ynl n KM nS Dj J DHv mbl< k Jkwl k n. l=l H#
ovoj cu k Dbop kjv cW Dj vC& kjv k uS H&Hu
k lj k n. Fm J< k yj cW yll nS mbybOl mbKk
JMu<C m[k oI&v cW iml nv k Jnv Dj Iv mLu Hj
n c=l nS $W k JMu<C kjl nS Fm uK pK k J< cW
c=l JkwlW k Jjm k cDJp cuv k vC& u i n.
HjJnk mclW Dj mbI k mL HjJnv JHj DL&k J<W
k yj cW yc oj vC& mcl H m uv k mnl cu n.
Yjl cj l=l H# Hu - DF&ScHDF&H
yc Gi k yj cW Mkl Dj oJ k yc Jvck
Dj Jkm HOkjC k ml kjv n 1. yc DOvc
1938 cW HjJl&v kjv k uS yu Hmll kjv k J<
k HmlJl kjv n Dj 2. Jnv DOvc 1988 kW mbybO
HjJl&vW k yu k j HmlJl kjv n
k ymm k DOj Hj lmj H# uKl J<W k yj cW
HmlJl nv k mcmDW k Hmll kjv n
ij pJv yc kbHvW mbybO mcj k mJ&pvk m
HHl kjv n
DF&DF&DF&SmSuS k YJ< ju
Hj<o H@um mbybO MyoW k HvJO&l k n vp kj
Dj Jnuj i[ Hj Huv jF[j Do J< Hj Hj
JJjC k yc Jvck Dj Jkm HOkjC k Hmll
kjv n kJjp k yj cW J< p HmlJl k n Gvk
Hj mH<kjC ov pj n Dj mH< nv Dlbl DJMk
n. Dj Fm DoM k cvv ouu G vu m
pj k i n FmcW lmj H# HmlJ HH cW Hmll
k J<W k Hvj#C kjv k uS Dj Gmk mbybO
J<W k Jj JcM& kjv k uS Gi DHv kl&J k
vYv ni.
Hu HMmv Muk cW 1.25 HlMl ijJ k oK p

mkl nQ Fmk HjCcmJH Gi k kc m kc m 35 kj[ k
yl nD n.
HMmvk
II.6.29.
n Fvk JJjC v o i n
II.6.28.
II.6.33. Dvk Hkj k HMmk koc mOjC yc Hj<o u
Hu vO JHm pc kjv k J< cW yc kbHvW k

DHv Jvl k yc Jvck Dj Jkm HOkjC Gm mJkj
k n pmm vko jMW k vO Jkml nv ui uil
D Dj DL&k HjCc Do m#c jnv k kjC Gi k
DmllJ jnv ui.
Dv
yc DOvc 1938 vc 17 F k Dvmj yc vcJu

k Dvmj J k mcDW k vc uiv m s
pvju Fvmjvm kbHvW k o i n Dj Fm J< k
mcv H m Huv kjv ni
1939
II.6.30. Div onv, DYb$k Dj cvv H&Hu p kbHvW
m HmlJv Dj ui kj jn n Gkwl oI&v cW o cu k

vkmv 50 uK m DOk nv Hj Mj kj uv k vC&
k i n Dj Fm JOv k ui k i n.
73
ij pJv kbHvW mbybO $CMOv #cl k uK k yj

cW DHv Jvl k yc Jvck Dj Jkm HOkjC
k mcH&C k i n
mJxjW k JiakjC kjv k uS yc kbHv m Sk Jvl
k HOkjC k ov Hj yc Jvck Dj Jkm HOkjC
Dvcov k
dm{fH$ [anmoQ>
2009-10
ckvpc k Dj mH< H m ylv k uS pmm vHv

kjv cW HC& mnl cu mkl n Fmk HHl kjv k uS
kH kMM k i n Dj yc kbHvW Hk k
Dj Hj HYJHC& m kjv ui n
HuM mku l# Hcc Dj KC[ k Dvmj cc
jM k yk DH k [ Do k JJjC n n. nj cv
1 2 mHln cW mbKk jH& k Hmll kjv ni.
uK Dj kj
Gi k kHu uY HHl Hj kj uiv k yj cW DHv

Jj Jkwl kjv k J< cW vJov k Hmll k i
n. Fm J< k yj cW JJmk DYH k Jkl k
i n Dj Gvk JjW k Sv&m Sb[ bi m HC& mncl
cu n.
Dblj&<^ DL&k jH& m[[& DF&SHDjSm m Hmll
k Jj k yc Jvck Dj Jkm HOkjC mJkj
k n
Dv
II.6.34. uK Dj kj mbybO 2009-2010 J<& k Dvk Hkj

J<W k mOjC yc kbHvW v cbi n FmcW Fv J<W k
HmlJl k i n
II.6.34.
~h-AeYmar CmoJ \$moa_m| Ho$ mam gMm{bV {d{^

J{V{d{Y`m| _| gh^m{JVm &
7 bmoH$nmbm|
Hvyac Hcc mbybO [Sm mcm mbybOl DOkjW

k ml kjv ni . Dj Fv kMMW k mun ov k
uS Hnu Dj yo cW Dvxm Sb[ bi k uS mJkj k
pl n
vv yp 2011-2012 k uS Gi DHv HmlJ k
mcH&C kjl n
H$s H$m` Umbr
II.7.1 J<& 2009-10 12 ukHu kv k Jmlj Hj Yjl cW

nD n Jkml nD n ku 16064 MklW k HHl k l
FvcW m yc kbHvW mbybOl Mkl k k mbK 8967 v
56 HlMl Dj yk 7097. 44 HlMl ij yc kbHvW m
mbybOl n. ukHu k mL Hnu k ubyl ccuW k mbK
1395 n Dljkwl n c& 2009 lk HHl k Mklb k
yl i n ukHu k&u J<& 2009-10 c 17459 ccuW Hj
Jj JcM& k n
[jkw kwm k[ ([m) k yj cW DHv Jj k Jkwl

kjv kuS DHv JjW k jpmJ cb$u k Hmll kjv
n Dj JJm #$ k DvYJ mun k HFm Jj nGp
kHm& m HHl kjk Di k vC& ul nQ
II.7.2
J<& 2009-10 cW ukHu ku 15190 MklW k Hj<kj

k n Mkl ukHu 2/3 lnF& Yi MklW k Hmu
k n ukHu DmJkj i DmJkjC Mkl k H
cW yl n ku Mklb cW m s HlMl Mkl JHm u
i n Dj D HlMl MklW k jodo k i n
Gi k kj uiv Hj DHv Jj o JmlJ k H

HHl vnR k n l Fbmjvm kbHvW cW uil uiv k
J< k yj cW Fv mcmDW k oj kjv k uS DHj<k=l
II.7.3 c& 2010 k Dbl lk Dcy[mcv k Hm ku 2269
mcmDW k Jll yu 2010 cW HmlJl k i n
ccu ubyl jn nQ
Fmk HjCcmJH H 200 kj[ k yl kjv cW coo
cu n.
luk 70
2009-10 J<& cW ukHu j Hmu k iF& MklW k JJjC
yc kbHv 31.3.2009 2009-10
MklW
Hj<kk=l MklW
31.3.2010 lk
lk Mkl
ku k Hmu
k mbK
ubyl MklW
MklW
HHl
2009-10
lk
(I)
(II)
(III)
(IV)
yc
557
8967
9524
8636
1209
481
572
6374
888
ij pJv
mbkwl
HHC
838
7097
7935
6554
1395
16064
17459
15190
(I) HmlJl k / mJkj

(II) JHm u / Hj<k=l
(14.00)
1947
(29.71)
3156
(20.78)
(III)
(IV)
(5.57)
470
(7.17)
951
(6.26)
(6.62)
700
(10.68)
1272
(8.37)
ljmk=l k
DmJkj k i Jj vnR k
GHjkwl k<k cW o HlMl MklW k Hj<kj k i n
74
(73.81)
3437
(52.44)
9811
(64.59)
1381
2269
dm{fH$ [anmoQ>
2009-10
Yi III
HOkjC k JOvk SJJbb JkmMu k
k&&
yc Jvck Dj Jkm HOkjC DOvc 1999 DF&Dj[S
DOvc Kb[ 14 cW o HOkjC k k& pccoj@ Dj
yc mbybO kjyj Dj mcv H m DHv Ju J= yc kjyj
k Hovvl Dj vl H m ui kjv k JO Dj Hvy&c
kjyj GH Kb[ 2 cW o J< k Dvmj HOkjC k DOkj
o i n. 2009-10 cb Dpl k& k pccojb Dj
Hl#Hl DOkj mbkwl n.
op& kbHvW k mbK pJv yc kjyj cW 23 lL mcv

yc k kjyj cb 23 n iF& n. yc DOvc 1938 k Yi 3S
k Dbli&l pJv yc lL ijpJv yc #$ cW k&jl mY
kbHvW k jpm^Mv k vJvkjC k i n.
III.1.2
HOkjC o mOjC yc kbHvW k DHjO Muk Yjv

k uS voxMl k n Sk mJmL yc kbHv Dj o pJv yc
kbHvW J<& 2009-10 cW Dui Dui Jvck vcb k Dvmj
n J< k HjMuv k i n. yc DOvc 1938 Kb[ 32
y SJb 32 m k JOW k Huv kjv n n v@v kcHubbm cW
Dl n. pvju FbMjbm kH&jMv k vJM JvcW k Huv
vnR kjv k yyl cW DHjO Muk jM k Yilv kjv k uS
o< nj i n.
DJok k HbpkjC, vJvkjC, youJ, JHm, vubyv,

vjmlkjC Do DJov pj kjv m mbybOl
1
III.1.1
c& 2009-10 cW HOkjC vH SmyDF& pvju Fvmjvm

kbHv uc[ Dj ckwm yH nuL Fvmjvm kbHv pJv yc
kjyj cW Fppl o. Fvk HbpkjC k mL n HOkjC cW
luk 71
01-04-2009 m ukj 31-03-2010 lk JYvv yckl&DW Hj ui i DL&ob[
k.mb
yc kbHv
1.
n[SHm Sji pvju
DL&ob[ jM
lL
mb#Hl kjC
5 uK
(24-6-2009)
J<& 2007-08 cW icC #$ k vcJu k Kb[ 32 y

vcW k Huv vnR k Dj Gv vcW k GuubIv k pv k yyl
2.
juvm pvju
20 uK
(23-7-2009)
yc Jvck Dj Jkm HOkjC k vcJu Dj voxM k GuubIv

kjv Hj Kb[ 105 y k Dvmj DL& ob[ k vC& k i n
3.
DHu cv nuL
10 uK
(7-1-2010)
icC Dj mcpk mkwj cW 2008-09 cW Kb[ 32 y Dj 32 m

k Dvmj vcW k Huv vnR kjv k yyl Mkl
4.
pJv yc vic
5 uK
(7-1-2010)
icC #$ k mbybO J<& 2008-09 Kb[ 32 y k Dvmj HHl k

MklW
5.
n[SHm mQ[[& uFH
5 uK
2008-09 cW
(7-1-2010)
6.
pvju FvMjvm kHxjMv
5 uK
(1-2-2010)
icC #$ cW Oj 32 y k
GuubIv kjv k Dvmj Mkl
vJM vcW k GuubIv kjv k yyl cW 2009-10 Kb[ 104 k Dbli&l MklW
k op& k n Gmk uS DL&ob[
75
dm{fH$ [anmoQ>
2009-10
vo&< H@um, HumOjk j vcbkv, ycl yp,

oJ k vHj, mjW[j kjl Jkwl Hum k cu lL yc
DvybO m p[ nF& Mlx
DYk&D k vijv vj#C kjv k uS voxM o n yc

DYk& k vkwl k uS HJ& Yla Hj# GllC& k yj cW Y
vj#C kjv n.
III.2.1.
4.
2.
OkjC v ycHolDW Dj cOmLW k Kjov lL

kwuc kjv k Jkwl ynl m Jvcv o nQ. H@umOjk k
mJW ov k mcJO klv n n Y vvc k nmm nQ.
Fmk mL n Fv JvcvW m HumOjk k MklW k uS
HYJ ljk Kp u i n. HOkjC v pJv Dj ij
pJv yc #$ cW HumOjkW k uS Mkl mu k iv
k n. Fmk mL n Jj< vijkW k uS mJmL yc
mbybO MklW k uS Y H=Lk =bKu lj k n. HOkjC
Fm yl k kMM l kj n jn n k HumOjk k MklW
yckl& mv. Jn n Y DOv kj jn n k kHv m Sm
coo nQ pvm MklW GYj jn nQ Dj JJmL k HjM kjv
DOv u jn n.
nv vO&jkW Dj mJx#kW k uS vO&jl Dj mbnl
III.4.1.
mJx#kW Dj nv vO&jkW k uS yv Dj mbnl

2000 HMJj k& nl HOkjC k Jvcv k DO VI cW op&
nQ. vkwl nS mJxj Dj u@m Smmj 2000 Jvc 15 mbnl
k yj cW Jml=l pvkj Hov kjl n pmk clyk nv
vO&jkW Dj mJx#k k vlk JJnj kjv nS Dj Gvk
K HMJj nv nS. Jn HMJj Dj JJmk v k uS
k& kjW Dj 1. km yckl& j pj k i Hum m
mbbybOl 2. kwuc H@umOjk j k pv Hj v<H# JJnj
mvMl kj. 3. Jn Jvcl k DjC kj Dj Hum k Hj
JJjC k op& kj jKv cK J< yl pl n 4. DHv mL
kc&jb k mL Gvk mnl kjv Dj Gvk Hlmnv ov,
DJMk D&kuMH vMuk JJmLl kjv n 5. o mJx#C
k& k yj cW Hj JJjC uKv k uS DYuK k vJ&nC
kjv n. 6 DHv mniW k HMJj il HHl kjv k uS
Hjl kj GvnW cHl cW D&kuMH Hov kjW 7. yc kbHv k
mbbybO km J< k mcj k km v km H cW ylv k
kMM vnR kjv n Dj yv Dvcl HHl kjl nS l=l H#
k GHjkwl mcj ov DHjO cv i n 8. km iHv
mv k DHv km lmj H# k uY k uS GHi vnR
kjv.
yc cOmLW Dj DYkl&DW k uS DH#l M#Ck

il, Dj mbnl lL Hik HM#C k uS MlX
3.
III.3.1.
yc Jm m p[ cOmLW k uS uFmWm lL Dj
mbnl DF&Dj[S DOvc 1999 k lnl yv i Jvcv
cW mH< k i nQ. yc mJx#C Dj nv cubkv uFmWm k
uS pj HMJj il Dj Dj mbnl Jvcv 2000, yc
Jvck Jkm HOkjC (vicl DYkl&DW k uFmWm
pj kjv) Jvcv 2002, yc Dj Jkm HOkjC yc
cOmL Jvcv 2002
III.4.2.
mJx#kW Yjl mjkj m JO JOv k Dvmj vkwl

yc Jvck Dj Jkm HOkjC DHv Dj m mJxj Dj
u@m Smmm& (DF&DF&DF&SmSuS) k vkwl kjv k voxM
o n Dj Gvk JJm #$ cW Hovvl HHl kjv k uS
HM#C ov n n pmm YJ< cW yc #$ cW ui k pv k
mbmkjC k mcPv cW mnk yvl n.
III.3.2. J<& 2009-10 cW HOkjC m pj k ci& oM&v cW vicl
yc kc&j k uS DJMk M#Ck ilDW k yj cW

ml k i n Dj HM#C mbmL cW M#C ov k M#kW
k m k JJjC o i n
III.3.3.
HOkjC DYkl&DW/vicl DYkl&DW k uS o

voxM k [ ym k JJjC Dui Dui yc GlHoW k uS
Mjbi k n kHxj k Sk SpW omj kbHv cW mLvbljC
nl nQ l yc k kbHvW Fm J< k yj cW kHxj DHv
III.4.3.
k&jl mJxj Dj nv vO&jk Gvk k& jl k

Hk k Hvj#C k pl n Dj Fmk uS HjJl&l S[W[c
k oK pl n Dj HjJl&l vcJu Dj HjJl&l Dj
mvDb j ml k pi ~
76
dm{fH$ [anmoQ>
GHjkwl jMW k Yilv yc kbHvb puF& 2009 lk SkbG

HF k j Yilv kjv k voxM HOkjC yc kbHvb k
voxMl k n.
DF&DF&SmSuS m Dpl Hj# cW mJxj HM#C HHl kjk

Dpl Hj# cW GllC& nv DJMk n. Dj Gvk Hovvl
HHl kjv k uS DJMk koc uv nS.
III.5.4.
uil k mcmDW k vJ&nC k JHj mlbyj 2009

lk mY yc kbHvW k Sm Db[j cvpcW SSc v Mj
nu[j Dj Hum nu[j vOW Sk mL n Dj Gvk Hm kc
m kc 1,000 kj[ k Dbli&l vO GHuyO jnv k mJO
jKv ni Fmk mbybO uv k JJnj Dj Dbli&l D[ Hl
$cmk k nmy m k i n Dj o SSc k Hm vO
1000 kj[ Gmm po Y GHmLl n l uilW k nmy
kly lovmj k pi.
HM#C Hl mJxj mbmL k Hu/Smm SmSuS yc

Jvck Dj Jkm HOkjC k HM#CLa mJxj ^vm&
HcCH$ k JOl DF&DF&SmSuS k n.
JiakjC k mLv Hj moml k L Fj mmc Dv%Hl,
Smm Dj Hu
III.4.4.
k&jl mJxj mom HJ& vc Dv%Hl moml k

HOkjC mJkj k i n. DF&DF&SmSuS moml Muk
HjJO&l Muk k uS k mHjM k HOkjC v mJkj
k n. Fmk mL n HOkjC n Y mJkj k n k mJxj
k nv k mJx#C kjv k uS vkwl k i n Dj Gvk
DYH Jkwl kjv k mPJ Y HOkjC o n.
5.
2009-10
III.5.5. vJov kjv kbHvW DHv Hj JJjC k ol nS Diml

2009
m HbpkjC kjv k ck o i n. Dj Fmk Gv

yc kbHvb k uil vJ&nC jl Dj Hk k Dbli&l FvJmcW
jmk cvpcW mmc k mJb mbYuv H[i. Hunu k&jl
yc kbHvb k Fv cMkuW k mcv kjv H[i. Dj Fmk
mbybO lv J<& cW kc m kc Sk yj k&jl yc kbHvb k
DHv mJb k mmc k Dj Hmm D[ mmc k vJ&nC
kjv H[i.
yc JJm kjl nS o#l k y{v
III.5.1.
HOkjC v yc kbHvW k voxM o n k Jn Sk

Gl JJmL k vc&C kjW Dj DHv kc&jW k Gl
HM#C Hov kj lk yc JJm cW o#l J= n. J<& 20092010 cW pj k yc JHj Dj Fmk mbybO HjJ=llW Dj
voxMW mcmDW k muPv k kc HOkjC kjl n Gi
k nv Ju DJMk mcj k HOkjC ml kjl n Dj
k&#$ cW DJMk mcj k Y Hov kjl n. Dj v o
voxMW k Huv kjv k vC& k i n p Fm Hkj n
yc Dj Hvyac JJm m p[ nS mbivW k Jvcl

kjv Dj y{J ov
6.
III.6.1
pJv yc Hj<o Dj mcv pJv yc Hj<o Fm #$

m p[ nS H#W k yc JJm k mJmL Jkm k uS DHm cW
yll kjv Dj v cvob[ GHuyO kjv cb Hov kjl nQ.
Fm ljn k mJl vck mbivW k GYjv Hj Gi k ynlj
k uS MYmbkl n. Fm mboY& cW HOkjC v uFmWm HHl
cOmLW k uS FbMjWm ykj SmmSMv DH Fb[ DF&yS
k mom nv DvJ& kj o n.
III.5.2. kHxj iJvxm k voxM
um k Dvmj yc kbHvW
HOkjC m pj k i kHxj iJvXm voxMW k Dvmj
yc #$ yc k jl cW mLl nj Hkj k MklW k 1 DHu
2010 m Mkl op& kj mkl nQ.
III.6.2
F - Yilv JO Fuk^vk Yilv k mJO k

Hnvl nS jM k mj# Dj Yilv lJjl il m kjv k
jl HOkjC m o Dvcl k Dvmj jM k ljbl Yilv
k pl n pm k Fukw^vk v<k mJSb FmSm, j<^
Fukw^vk vO mLvblj SvFSH mmc Do jMW k
Yilv kjv k jl k Yjl jpJ& yQk m Dvcl Hov
nD n Gmk mL jMW k Yilv kW j SScSm/mS
HOkjC m o voxMW k Dvmj pj k i n HOkjC
III.5.3.
HOkjC n Y Hnv k n k mc Hj Hj mk
[ Hj ljn k mH< H m k&jl nv k yc kbHvW k
[ k HmllkjC H@um nu[jW k Fsvmj k Hmll
k p jn n pmm DbMOjW k kH Ho n mkl n
HOkjC 15 Dkwlyj 2009 mun mcl k H cW yk mcj
mbmL k vkwl k i n n yc kbHvW k Hk Dj
[ k o Kjy n i n l Gvk Hj JJjC Fm mbmL k
GHuyO jnl n.
77
dm{fH$ [anmoQ>
7.
DOvc k uS u iF& Hm Dj Dv ljn k Muk
2009-10
H# yc Hu JCpk JnvW k uS vkwl k i n. Dj

n cj Hu oJ k yj cW GHmLl nkj mY yc kbHvW k
mL GHmLl nkj cj l=l H# pKc k ccuW k yj cW
Db[j jFbi uKv k kc kjl n Dj n Hu pvju FvMjvm
kbHv m vJ&nC k pl n Fm Hk k kjv k uS vC&k
Muk k ml k n
yc DOvc k Yi lv k lnl HHl DOkjW m HOkjC

yckl&DW Dj Dv cOmLW m HbpkjC Dj vJvkjC Muk
ul n. H HbpkjC k uS DJov k mJk=l o pv k
mc 50000 HS Muk u pl n Dj yo cW Fm mbybO cW
Muk vnR u pl. HbpkjC k vJvkjC k uS u pv
Ju Muk Yjl cW k mku Hl# JJm p[H k 1 HlMl
k 10 Jb nmm ni. DLJ n H@b kj[ HS ni. Hvyac
k ccu cW u i Muk Yjl cW Hvyac Hol j k i
Dkmck JJm Hj DOjl ni. n HOkjC k Jvcv
20 Yjl yc kbHvW k HbpkjC J<& 2000 cW k i mbMOv
Hj pm HjJj 2003 cW munkj Hj<o k Dvcl k yo pj
k i, Hj DOjl n.
III.9.2
Jnv l=l H# pKc k DuJ 1 pvJj 2009 DLJ

Gmk yo HYJ cW Dv Ju mY v yc Dj vJvkjC k
ccuW cW ycHol Hcc k ojW jKv k ccu cW mJlb$ nWi
p k HOkjC cW op& ojb k mbybO cW l k i ci&oM&v
Dj Dvm k clyk nWi. Jnv l=l H# pKc k u
Hcc ojW HOkjC j Jvcl nWi. mcv yc JJm
cW pKc cubkv m p[ nS vb$C m ckwl k c Hj Y &
k iF&. Fm yk cW n mH< k i k mcv yc JJm
k Dbli&l HFu Sb[ p Hk k oMvoxM HOkjC k 28
mlbyj 2006 k pj k i HjH$ kcbk 021/DF&Dj[S/
ScH Sb[ k Dvmj kMu nWi Dj ycHol Gm ljn m
ojW Dj MlX oj kj mkl nQ pm Jn HJ& cW HMuk GlHoW k
mL kjl L. Fmk mL n HOkjC v vcv Hmu u.
8.yc JJm m p[ ycHol, cOmL, yc cOmL lL

Dv mbivW m p[ mvSb, vj#C, Hsls Dj pb D[
k mL
III.8.1
Jll J<& 2009-10 Fm JJm k yc kbHvW k

Huv k uS Ku pv k omJb mu L. HOkjC v HjbY
m n Fv Hj JHk vj#C HjbY kj o L ukv n yl Y
Ov cW jK iF& k Hj lj Hj vj#C kjv m Hnu Hbpk=l
kbHvW k k& Huv cW mLjl Dv lk k uS L[ mc
o p. J<& 2010-11 k Hnu DO& J<&k cW Dv mF vj#C
nD n Gm mc ibYj mcmDW k yj cW vj#C k i n
j yc kbHvW Dj j ij pJv yc kbHvW v Fv mcmDW
k vj#C kjv k pccoj u n.
III.9.3 1 pvJj 2009 m HOkjC n Dvcl o o n k

DJjC k mbybOl vc Dj MlX k DvHuv kjv k J< cW
jnl o iF& n Dj kjyj k mbybOl Di k oI&vSB Gvk
Muk k JiakjC DYb$k Dik mY mcmSB DF&SDj
Dj cj mJ b #l Dljdkwl DJjC GHjkwl Jiak=l JHj
k mbybOl FvvJ kJm& k yj c Hmll k pv k HmlJ k
HOkjC mJkj kjv k uS vl k i vc J Mlx cW
jnl o n. kwW k yc kbHvW k o i voxMW k Hj
mcv DJjC k vC& kjv k DOkj vnR o i n DJjC
k mbybOl pvkj Hj JJjC Muk cW o i n p k mH<
n.
mcv yc kjyj k Dbli&l yckl& j GHuyO kjF&

iF& oj, uY, vc Dj Mlx yc DOvc 1938 (4/1938) k
Dvso 64 k Dbli&l HMuk munkj mcl j vb$l
J Jvcl vnR
9.
uK pK k klyb Dj Gvk vJ&nC Dj uK pK

k klyb yc kbHvW Dj Dv yc cOmlb m Dpl
uK pK Gvk vJ&nC km Hkj m Dpl k i n
Gvk mH<kjC cbi i n.
10.
Jll ij pJv GOi k Muk k n n n 1

pvJj 2007 m ui k i n FmcW Muk mbybO Hj kjyjW
k u i n ukv cj l=l H# DJjC k vnR u i
n yc kbHvW k n mJlb$l o i n k yc GlHo Dj oj
k vC& yc kbHv k mJb kjv k DOkj Dj HC& mJlb$l
o i n. cj l=l H# DJjC, n JOvk lJv yc
kJj n p cj Jnv DOvc k Dvmj Fmk pjl n Dj
Fm cj Jnv DOvc k Dvmj DHv HC& DOkj m cj
l=l H# DJjC k mbybOl vc Dj Ml&W k lj oj k
vC& kjv k Dj Gvk ui kjv k DOkj o i n.
Dj Fmk GjolJ kJu DJjC Y kn kjl n, Fvk
GHuyOB JCpk JnvW Dj HOkjC Yjl cj lmj
III.9.1
III.10.1 m{YH$aU Zo nmaX{eVm d H$Q>Z H$mo gwYmaZo Ho$ {bò H$B

H$ma Ho$ Cnm` ~Vmò h & `h eV] {d{m` {ddaUm| d CZHo$ Omo{H$
gmdO{ZH$ loUr _| AmVo h CZ A{V[a$ H$Q>Zm| H$mo ^r gp_{bV
H$aVr h & gmdO{ZH$ loUr Ho$ H$Q>Z CZH$mo ^r gp_{bV H$aVo h
Omo {d{de> ~r_m H$n{Z`m| H$s do~ gmBQ> na h VWm {ZaVa AI~ma _|
H${eV hmoVo ahVo h & A{V[a$ H$Q>Z {ZJ{_V emgZ {Xem {ZX}em|
_| ^r AZw~{YV {H$ò Jò h & {dVV H$Q>Z Amd`$mE| ZrMo Xr JB
h &
78
dm{fH$ [anmoQ>
2009-10
{ZJ{_V emgZ na H$Q>Z:
FqkwJ Dp&v Hj Yo kMv
III.10.2 HOkjC vicl Mmv Dj Gvk J<&k jH& Jll
III.10.5
yc Jvck Dj Jkm HOkjC yc kbHvW k

FqkwJ k mbybO o HcC C, ijJ Dv KX k uS
Hcm& nu[bi Do k yj cW Fvk Hj JJjC k mH<kjC
HOkjC Hl $cmk cW Sk yj DJMk mcj k DJMkl
n Gvk mc Hj ml kjv pj n.
J<& 2010-11 m DjbY nl n
voMk mcl k kF& yj mY k Dpv nD FmcW

Jll J<& Hj DHv ci &voxMv k n
III.10.6 yc Jvck Dj Jkm HOkjC vcv uKl mcj
mcl k voMk kc k vMl kjl nS vc, il

Dj k&#$ cW Gvk DvYJ k mJkj k i n ~
k mH<kjC J<& 2009-10 m o jn n

vb$C vO k Sk Hlk mjC cW vOW k Dicv Dj
vicv k mH< k p jn n Dj Gvk vb$C vO k Hj
mH<kjC pJy o p jn n o HH cW DJMk J<&k
Jll mcj pJv yc kbHv k Fmk Hj JJjC k
mH<kjC pj n.
voMk kF& yj Dpl mY cb GHmLl nS n Dj kc

k mom Y GHmLl nS n
mJlb$ voMkW k o pv k cmk cDJpW p k
i n Gvk JJjC o i n
mck Kum
11.
III.10.3
III.11.1
~r_m H$n{Z`m| mam {Z{Y`m| Ho$ {Zdoe H$mo {d{Z`{_V H$aZm
~r_m H$n{Z`m| mam {Z{Y`m| H$m {Zdoe ~r.{d.{d.m. ({Zdoe)

(MmWm gwYma) {d{Z`_Z 2008 Ho$ mam {d{Z`{_V hmoVm h &
HOkjC mJ&pvk [cv $cmk, DO& $cmk Dj

J<&k DOj Hj DJMk mcj k JymF cW HmlJl k
i Dj ovk H$kDW cW Gvk mH<kjC o i n DL&k
mcj Dj $CMOv #cl k mLl pmm GHYkwlDW k
Yiuk Jmlj k Dvmj yc kbHvW k cu v<Ho DvHl
k Dvmj n mLl k ml k pl n.
III.11.2 HOkjC mY yc k kbHvW k J<&k jH& cuk
mJODW k DL& n nl n cuk mbjv k #$ cW uil

uiv k yj cW yc Jvck Dj Jkm HOkjC m pj
k i uKH$ mbK DF&SvJ/ScDSH/SuDj/006/200809 ovbk 22 pvJj 2009 cuk mbjv k #$ cW ui 20
HlMl lk mubi k jnl o i n Dy lk Glc
mc k 10 HlMl n L. Fm mc k ovW FkwJ k yv
mubi ilDW k Hl& k uS mJlb$ H m mJkj k i
n.
ybo k iF& H@umb Hj Kum

III.10.4
~r.{d.{d.m. (~X H$s JB qbS> ~r_m nm{b{g`m) {d{Z`_Z,

2010 `h AmXoe XoVm h {H$ OrdZ ~r_mH$VmAm| H$mo ~X H$s JB nm{b{g`m|
H$s {Z{Y`m| H$m AbJ go Vw{VH$aU H$aZm hmoJm, {Og_| ~X {H$ò
OmZo H$mo dJuH$V H$aZm hmoJm (i) r{_`_ ^wJVmZ Z H$aZo H$s pW{V
_|, VWm (ii) A` &
III.11.3
yc Jvck Dj Jkm HOkjC &[& SkbGW

DH Fb[ m mbHk& kjv k yo n lkvk voxMW k HCu
k ui k i n Hk Fmk uS omlJpb k Hk uil
k mbybO DOk cu k jl k Dvmj mbYul nS DOk lc
cu ll Hj k ov k HcCHl k c@[u k n &[& SkbGW
HH k Jvpl kjl n.
79
dm{fH$ [anmoQ>
H Dj Sc Sv Hvyac ykm& HFJ uc[ JH# ou o

Djbu Fvmjvm kbHv uc[
III.11.4 yc Jvck Dj Jkm HOkjC m pj k voxMW
k Dvmj vJM Dj uil uv ov k JJnj k Hj JJjC

cvj mbHok jl m uil ui p jn n Dj v ubk[
H&Hu Dj Fmk kwupj mlj Cu mbybO pKc k
kc kjv k Hj<k=l k p jn n Gmk yo yc Jvck
Dj Jkm HOkjC m pj k i uKH$ mbK DFSvJ/
mDFDj/023/2009-10 ovbk 4 Diml 2009 o voxMW Dj
vcJu k Dvmj pj k i n Dj vJM pKc yOv
Cu Dj Hk Dj Dbljk/mcJla uK Hj# k Hj#C
kjv k voxM o i n
12
2009-10
Djbu Fvmjvm kbHv uc[ m Sk Mkl HHl k

i n Fm kbHv k Mkl cW Hvyac kwuc 1. cmm& kWi
Db[jjFbi HJ& vc cHuJj Fbpvjbi kvm&c ubov Dj
cmm& SmSc SpWmm uc[ ubov Hvyac k cbi kjv k
yj c oJ k n HOkjC GHjkwl ovW H&W k Sk ck
o n ovbk 5 c& 2010 Fm J< k vj#C Hj# k Dpl
kjk Hmu uv k DYH k Jkwl k n.
ciH Fvmjvm ykbi uc[ Hj# Dikuj Fbmjvm kbHv
DH Fb[ uc[
yc $CMOv #cl k jKjKJ k Jvcv
III.12.1
yc DOvc 1938 k Oj 64 JS k Dbli&l Hlk

ycHol k uS muJWm cp&v yv jKv DJMk n.
HOkjC v c& GlHoW k uS $CMOv #cl jKv k
DJMkl k Jj Hj Ov o jn nQ lk ycHol DOk
DJO k uS Dj Dmv ojW Hj Sm Dv GlHo u mkW. HOkjC
v ubk[ JJm k #$ cW $CMOv #cl k DJMkl Hj
Jj k n Dj Fm mbbybO cW ks kjk mP nQ p 31 ombyj
2008 m HYJ n i nQ. Fmk mL n, pJv yc HolDW k
vJM mbybO mkHJFp pvkj ov k mL n 31 c& 2009
lk k ycbkk cubkv mbybO JJjC ov nWi .
civ Fvmjvm ykbi uc[ ScDF&ySu m Sk Mkl

k HHl k n pmcW k DO# SJb HybO voMk Yjl k=<
yc kbHv uc[ (SDF&mDF&Su) Dvk Hkj k DmJOvb
k oK i n cmc DOjl kH yc pv Fvk o Mkl
Hj HOkjC DO# SJb HybO voMk Yjl k=< yc kbHv
Dv%Hl k loml k i n. Dj DJMk kj&JF& kjv k
uS DoM o n Dj Fm ccu k mbybO Hsls pj n Dj
ccu k mLl Hunu kvJv Dj Hil Hj jn n.
k Fvmjvm ykm& HFJ uc[ Hj# H# o Djbu
Fvmjvm
yc k&D Dj cOmLW DLJ yc cOmLW k y

JJoW cW v vC&v
13
k Fvmjvm ykm& HFJ uc[ Hj Mkl op& o Djbu

Fvmjvm kbHv uc[ v Mkl k op& k n Fm Mkl
cW ouu kc m kc 4 uK Iu kjv k yyl cW Mkl
k n ykj mQ[[& Hj Dj mHMu Hum cmm& JYJ Hkpbi
k pjS DDF&mSu MK k&u, ipyo Fm ccu cW nS
Iu k yj cW Hsls kjv k Mkl Hj HOkjC DvJ<v
kjk jH& mcH&l kjv k DM]Jmv o n Dj Fm ccuW k
yj cW ouu k Sk JOvk vcW k Dvmj Sk mv k
Yp n.
III.13.1
yckl&DW DLJ ouuW yc cOmLW k y nv

Ju JJoW k ccu cW DF&Dj[S km Y ljn k vvC&v
vnR kjl. yc k&D k n mun o pl n k Jn km
DO&vk DLJ vk cOc pm yc ukHu k mnj
u. yckl&DW Dj cOmLW k y JJo k mLl cW HOkjC
mbybOl H#W m mH<kjC cbi mkl n. yc Jvck Dj
yc HOkjC k Jvcv 41-2 o yc ouu Dj Dv jl
k kF& Hbo mcm GlHvv nD l HOkjC k km Jkwl
m Mkl mJkj k l HOkjC Gvk HlvO Mkl
k vJov k mJkj kjk Gmk Hj<kj kj ol n Dj Mkl
k yj cW Hj<kj kjl n Fmk uS Hsls kjv k yo Dj
vj#C kjv k yo Hsls kjv k yo n vcJu k vcW
k Dvmj n Hsls k pl n.
m^pk FvMjvm ykbi mJ&mm HFJ ucD[ JH# ou

FHk k pvju Fvmjvm kbHv uc[
FHk k pvju Fvmjvm kbHv uc[ k Hl cmm&
m^pk Fvmjvm ykbi mJ&mm HFJ uc[ v Sk Mkl
k op& k n FmcW Jo HlJo k Hl oj cW Yilv kjv
k ykjp kcMv k Yilv vnR kjv k yyl Hj Dj Yilv
k mbybO yc k Dbli&l mY Hkj k HjMvB cpo nv k
yo FSDj S[Jvm um DH HH yc H@um vcJu
2009 k Dvmj uQk Dcjkbk H@Jj HFJ uc[ k ccu
k kmm cW pj k i L Dj Fm vcJu k Fm ccu
k uS pj k i n pm k yc kbHv Dj ykj k y
cW Yilv jMW k ccu Fm mcm k nv k uS JOvk
vcJu k Dvmj vu Hjc cW k k oj k
i n Dj Fmk Hmu k i.
III.13.2
HOkjC DHv DOkjW vcJu 41(2) k Dvmj

HHl nS DOkjW k Dvmj yc kbHv Dj yc ouu k y
k ccu k Hj<kj k pl n
80
dm{fH$ [anmoQ>
III.16.1
Fm ccu k Mkl mJkj kjk HOkjC FHk k

pvju Fvmjvm kbHv uc[ k Sk kjC ylDW mv okj
GmcW yc Jvck Dj Jkm HOkjC k vcJu k
GuubIv k pv k yl k onjl nS yc Dj Hvyac mbybO
mcmDW k yj cW mH<kjC o n.
14.
2009-10
GHjkwl yc Jvck Dj Jkm HOkjC m o

yc mbybO voxM icC Dj mcpk #$W cW Hl#Hl kjv
k uS vcJu 2002 k Huv kjv k voxMl k n yc
kbHvb Hnu Hb J<& DHv kx k Dpl kjl nS Fm
ccu cW mJ&pvk GHkc DHv DJMklDW k mH< JJjC
v o i n yc kbHv Hnu Hb J<& cW o mJ&pvk
GHkc cW Fv Jvcb k ui k n l J<& 2001-02 Fv GHkc
k Jvcb cW ks HjJl&v k n Dj Gvk mv J<& 200708 cW o n vp yc kbHvW DHv omJ J<& cW DHv k&
JJjC k mH<kjC v Fvk JC&v k i n vp GHkc
mbivW cW GHkwl nv Ju mcmDW k nu kjv k pccoj
k vj#C kjv pj n. vp yc kbHvW k mcmSB Fm
Hkj n p Fm Hkj n
mewH$ g_mhH$ma g{_{V (Q>rEgr) H$m AYrjU
III.14.1
Sm k ju 1 pvJj 2007 m Gmk HYJ Hj jk

ui i n yc HjJl&v yu 2009 Kb[ 64 SuS-2 k Dvmj
Sm k Juv nD n. Fm HjJl&l yu cW [^H Kb[ k
mckuv k n p Fm Hkj n
Kb[ 64 SuS (2) HOkjC kv mjkj m mbHk& kjk
Muk mun mcl cW k&jl kc&jW k < cW jKkj Sk
pv k lj k n Dj Fm cW DHv kc&jb k uS
vc Dj MlX k ui k i n Dj D[&j [jcv DoM
k Huv kjv k vc k ui k i n.
III.16.2
III.14.2 GHjkwl HjmLlW k < cW jKkj
Sm kc&jW
Gvk vkj m nv k uS JM< mJsvo mJvJ=l mHMu
Jubj jjcWC SmJDj k Dbli&l o pvDW k lj
k n Fvk vc mHMu Jubj jjcW mkc SmJDjSm
2009 Dj 2010 k uS Gmk yo GHjkwl DHv DYH k
Jkwl kjl nS Sm k mbK 85 yl i n FvcW 19 DOkj
Dj 66 kc&j nv k yl i n.
icC #$
pJv yc Hol k ccu cW HLc J<& cW ku HumW k

mbK k ml HlMl Dj omJW J<& cb Fvk mbK k ym
HlMl
ij pJv yc k&DW k ccu cW mku Hcc D k
ccu cW Hnu mu m HjbY kj o HlMl m vJW mu cW
ml HlMl lk
III.16.3
mcpk #$
JJm mbiv k kwup (6) k vcW k Huv kjl

nS yc kbHv k Hcc D k klv HlMl n Fmk
mH<kjC vnR k n Dj GHjkwl DL&k Hpv pvDW
k ui kjk Gvk Hovvl ov k uS Dj JJmk mbiv
k vcW k kwup 6 cW HmlJl k n.
Hnu mu cW Hb npj uiW m DjbY kj omJW mu cW om npj

uiW lk. Jl&cv ycHolW k ccu cW DF&Dj[S DOvc
1999 j ij pJv ycHol Dj SuDF&m k HjbY nv k
lL m icC Dj mcpk #$W cW k pv Ju yc JJm
31 c& 2002 k uK J<& cW k i JJm m kc vnR nv
nS. HOkjC j mbMOl Jvcv k Dvmj icC Dj
mcpk #$W cW J<& 2008-09 m ukj 2009-10 lk vO&jl
olJ Fm Hkj n.
III.15.1
III.16.4
15.
pJv yc vic
k. icC #$W m p[ olJ
i.
Jll J<& 2007-08:24 HlMl
ii. Jll J<& 2008-09 SJb 2009-10 k uS ku HumW
k 25 HlMl
m{YH$aU Zo bmO (6) Ho$ AZwgma `dgm{`H$ gWmZm|

H$s {d{m` `moOZmAm| Ho$ Mma d {d{Z`_Z Ho$ {bò ~r_mH$VmAm| H$s
r{_`_ Am` H$m {VeV {ZYm[aV Zht {H$`m h &
16
~r_mH$VmAm| mam Jm_rU d gm_{OH$ jo _| OrdZ ~r_m d

gmYmaU ~r_m _| {H$ò OmZo dmbo `dgm` Ho$ {VeV H$mo XemZm
81
dm{fH$ [anmoQ>
2009-10
J J<& 2007-08 k uS
III.16.7 m#c yc k y{J ov k uS lL Fm icC Dj

mcpk olJW m cukj uv k uS m#c yc DOvc
cW DvHuv k ljkW k p[ o i n Fmk mL n yc
kbHvW k DHv ilJOW k DjbY kjv k uS H&Hl mc
o lk Jn icC Dj mcpk #$ m p[ nF& DHv olJ
Hj kj HW, DOvc cW mbMOv k i n. Dij yc kbHv
v DHv k& k HjbY J J<& k DO nmm m DjbY k n
Dj Hmbik J J<& k 31 c& lk Gmk k& k sn
cnv vnR nS nQ l DJO k uS Gmk kF& icC DLJ mcpk
GlljolJ vnR nWi lL DOvc cW yl i J<&k olJ
Diu mu m HYJ nWi p DvHuv k HLc J<& k H cW iv
pi. o yc kbHv mu k Hnu scn cW DHv kc DjbY
kj ol n l DOvc k Dvmj Hnu mu m p[ nS olJ
Hm HlMl nWi.
17.
K. mcpk #$ m p[ olJ
uK uiW k kJj u#
III.16.5
2007-08
2009-10
cW
20
ijpJv yck&
icC #$W m p[ nS olJ

i.
J J<& 2007-08 sn HlMl Dj
ii.
J J<& 2008-09 SJb 2009-10 k uS Gm J<& ku mku

Hcc D k ml HlMl
mcpk #$ k olJ
J J<& 2002-03 SJb 2004-05 cW yck&D j DJjC

u i uiW k Dml
5.50
Hw$N> A` e{$`m| H$m `moJ `{X {ZYm[aV H$s JB h&
III.17.1 pm ljn m kWv mjkj v HOkjC k uS km

Hkj k Mkwl vnl vnR k n pmk ul HOkjC km
ljn k Mkwl k GHi vnR kjl nQ ~
uK D#jW cW m{ Hb uK ui,p Y po n.
III.16.6
Fm yl k mbYJv n k yck&D k olJW cW

J J<& 2008-09 lL 2009-10 cW om HlMl J= ni n
J= J<& 2007-08 cW kJj k i JkwlW Hj ni.
82
dm{fH$ [anmoQ>
2009-10
Yi IV
mbiv m p[ ccu
1.
mbiv
HOkjC Sk yj yc mun mcl DFSm mY k Dpl

k n Dj Fmk vj#C k n
IV.1.1
Fm J<& cW yc Jvck Dj Jkm HOkjC p.

nj vjC k DO#l cW o voxMW k Huv kjv k uS Fm
J< k yj cW & kjv k mPJ o n. Fm J<& cW k&u cW
k&jl m.Dj. cjuOjv, mom SH Sb[ DF&, OkjC cW
Fvk mJ ku 3 vbJyj 2009 k mcHl nF Fvk mJ vJ=l
nv k yo Fvk mLv Hj Dj.k. vj HOkjC cW mJSb
vnl kjv k uS mom k H cW vkwl nS nb p Fmm HJ&
mkwjm Dj SkwmWp y[& DH Fb[ (my ) cW k&kj
voMk k H cW DHv mJDW k vnl k n. Fm J<& cW yc
Jvck Dj Jkm HOkjC cW k.k. vJmv, p
HYkj Dj [@kwj Dj kvvv Hj mc mom k H cW k&jl
jn nQ.
3.
IV.3.1
HOkjC k Dbli&l Dv Ju JYvv JYiW k Dj

cpyl yvv GH voMk Dj mbkwl voMk Dj mbkwl voMk
vkwl Hk DHvF& iF&. Dj FmJ J<& cW Sk mbkwl voMk
Dj ml GH voMkW k vkwl nF& n.
IV.3.2
DbO HoM mjkj k mni m HOkjC cW nojyo cW

Fbm DH FbMjWm Sb[ jmk cvpcW vck mbmLv nojyo
cW J<& 2002 cW Ku. (DF&DF&DjSc) k vj#C Sk mbuk
cb[u k j nl n pmk DO# DF& Dj [ S k jcv nl
nQ.
IV.1.2 Dcjpl H[, DO#, Fvm DH &[& SkGbb

4.
D@H Fb[ H& Fc mom k H cW ovbk 6 HjJj 2010 m

DHv mJDW k vnl kj jn nQ. Jp cnpv, DO#,
ymkwm iH Dj cl Fu Dj. Y vm mJb jpij cnu
mbiv (SmF[yuS) mL H& Fc mom k H cW DHv mJDW
k vnl kj jn n Gvk mJSb 5 Dkwlyj 2009 m mJSb DjbY
nD n.
jpY< k Hlmnv
IV.4.1 HOkjC cW jpY< k mbJOvk HJOvW k ui kjv
k u Dui m nbo JYi yv i n ~ n JYi Yjl

mjkj k jpY< k vl k ui kjv k Dbli&l cKuW
lL MK k&uW cW nbo k Hi k Hlmnv ol n. ~
k&uW cW nbo k Hi k y{J ov k uS JM< Hm k
i n. J<& 2009-10 k uS jpY< JYi j pj k i
voxMW k clyk k&uW cW nbo k GHi cW n jn J= k
oM Hj vMl mcblju cW Jj k pl n Dj u# HHl
kjv k uS DJMk GH DHv pl nQ. HOkjC nj cnv
Sk pv&u HkMl kjl n pmcW nbo k mcib Y Mcu
nl nQ. HOkjC j pj k i mY Hkj k vm
Y<k H cW nl nQ.
IV.1.3
Gllc HkM DiJu 6 HjJj 2009 m 5 HjJj 2010

DuHkuk mom k H cb k&jl nS. jnu Kuu[, mJ
[mFvJmcW, Jll cb$u, Yjl mjkj, yc Jvck Dj
Jkm HOkjC cW DuHkuk mom k H cW vkwl nkj
20 HjJj 2009 m 4 Dkwlyj 2009 lk k& k n.
2.
cvJ mbmOv
HOkjC k ykb
IV.2.1
J<& 2009-2010 cW HOkjC kc m kc Hb yj mY k

Dpl k n Fm J<& cW Sk yj yc Jvck Dj Jkm
83
dm{fH$ [anmoQ>
5
DvmbOv SJ Jkm
DYk& ) Sk Dc Hnv mbK k cOc m p k Dv

ju mK ni ~
IV.5.1 yc kbHv k JYV JHj J=W Hj Hk[ jKv

k u, DvmbOv SJ Jkm JYi v kMl k nQ pmcW
k Yjl yc kbHv k 2007-08 Dk[ nQ ~ p k JYV
nlOjk k u DlOk cooij nQ ~ Fmk GHil k
oKl n JYi v omj mbmkjC k Y kMl k n , pmcW
k mc mc k 2009-09 lk kj o n ,FmcW Hk k Dj
GHi k& k mPJ k Y Mcu kj mOj k i L ~
JYi v mc mc k mL lmj mbmkjC k 2011 c kMl
kjv Hj kc kj jn nQ ~ JYi lkvk HoW k MyoJu lj
kjv Hj kc kj jn n , p k Dv Ju mc cb kMv c
p[ pi Fmm GHi k& k lL k JMu<v c coo
cui ~ JYi v kW mbKk mibv (m Sm D) k mL
yk kj yc #$ k mku Iju GlHo mbkuv k Dkuv
m mbybOl c Hj & k ~ kF& c Jjk clYo k
Dj Dblj k GHj & k iF&~ JYi yc #$ mJ cu mkbk
k Jkm cb c Mcu n, Sk GH mcl k lnl , p k mbKk
SJ k&c k&vJv cb$u j yv i n ~ DvmbOv SJ
Jkm JYi m H m JYV mccuvW / mbiW cb Yi
ukj yc mbybOl uK k mll k n ~
6
y J J cW mv ik k mLl
SpWm uFmWmbi H&u JM ybo ni uFmbmi c

Yi uv k u HbpkjC k mL~
Dv mboY& mbK vku pi Dj Fmlcu k pi
Hj DYk& uFmbmi cW ~
DYk& uFmWm k u DJov k HbpkjC mO Fj[
k mL yv yc kbHv k Dvcov k ~ DJov k& Ko
k pl kj mkl n M#C SJ Hj#C k u ( n
c@[u HC& n Dj puo n M k pi )
lLb k mOj mO k p mkl n yc kbHv k
cvvl Jqkwl j p k uFmWm ov k u pccoj
n ~
nk p yc uv nl n , H&u Hj DHv #$ cW SpW
k Kp mklW nQ
j uFmWm k nk oK/HnB mkl n p k pikl
Ho kji pvk SpWm uFmbm j kj o iF& n ~
IV. 6.4
IV.6.1 OkjC uilj mv
Sk Dui coo [mk k vc&C k i n OkjC k

j , H&u k GHi k& k Mv k pyy ov k u p k
oMYj c Hu n ~ nlOjk k mPJ k GHj mll mOj k
p jn n H&u cW ~
Oik k kckp k cK
#$ c Fmlcu k mbYJvD k luM jn nQ pmm k JJmF
k mn mc k Fmlcu pvkjW k JMu<v cb n p k
yc k& Dj cOmLW j o pl nQ ~ y J J v 2009-10
k ojv GHjkwl GM k Hj kjv k u kF DF& Hjpv
k MDl k ~ Fv HjpvDW c Mcu L lL mbn, JHj
JMu<k Hjpv , DYkjC uFmWmi k mOj mY
nlOjkb k Mcu kjl n , mcvJl Mkl ybOv Cu,
Jnv yc mLl Sm Sc Sm Cu Do ~ Hjpvb
k&vJv k JYV jC cW nQ ~ Fv mW k JM<lW mb#H
c v o iF& n ~
JHj JMu<k mcOv

IV.6.5 JHj JMu<k Hjpv k oj k Dj Jkml
k i n pmm k Dj j JYi Mcu n p pvk
vc n pJvd , cOmL , vj#C JYi ,SJb ij pJv JYi ~
y{ n oj cW pvkj k Hnv k pjl ypj k Jkm
k u Dj ypj mbuv k u (y J J k mY JYi
c Mcu k iF& n Fm Hjpv cW ~ Jkm k Yi k H cW ,
myl k Jkm DJOjC (y J J ) k Y Mcu k i
n Fmm k Djc Dj JMJm k cpyl kji , HC& Hcv Hj
DF& mcOv k M nv m Hnu ~ JMu<Clck k& p k
Fm Hjpv m p[ n Hnu n Hj k p k n Dj k&vJv
SpWm k vJo k v k Y M k p k n ~
vF SpWm k uFmbm H&u c mOj

IV.6.2 vF& uFmbm H&u JYV nlOjk k Skk=l kjl n
pm k yc kbHv , DYk& M#C mbmLv , Hj# vkW
Dj n DoM uFmWm k GHj ynlj v$bC k u nQ ~
IV.6.3
n Jkm DYm 2009 cb M k i L , JYV

nlOjk k mPJ k GHj ~ yc kbHv k GHi k&D v
mJk=l Hj#C c nmm u ~ H&u k mbuv m Hnu OkjC
v k&Mu Dpl k , pmm k nlOjk v H&u k
mL Hjl n p ~ vF& uFmbm H&u v 5 pvJj m mHul
HJ&k kc kjv M kj o ~ Spbm JJmL k cK JM<lW
vcv nQ
2009-10
F& Dj H Cu k k&vJv
IV.6.6 Mmv JYi k mj k& kH no lk Jqkwl j k
pl n Dj ks no lk k&u GHkjC k cOc m ~ JYi
c kcHjkjC k mc mlj kc n Dj lL Hmlk Sm n
JYV [mk Hj yKj jnl n , kcHjk=l Dj D& kcHjk=l
mmc ~ Sk cpyl F& Dj H mcOv k Hnv k iF& n Sk
YJ lb$ k H cW p k Fv vl k Hnv kj GVl
JHj k mcOv oi ~
mY nlOjk k mL SkkjC (y J J , yc kbHv,

DYk& M#C mbmLv , Hj#C mbmLv Dj yc
84
dm{fH$ [anmoQ>
IV.6.7
vcv GMW k Hl kjv cW mlJl F Dj H coo
2009-10
k cc D y{i Dj oJb k DvHl kc ni ~ n Y

HjkuHv k iF& nb k mmc vF& pvkjW k Sk$l kji
mY yc kbHv m Sk kW mLv Hj Dj mY nlkjkb
k ljvl pvkj k mj kji ~ Fm mlJl Cu k GM
mb#H c vcv n :
kji :
JYi k DJMklD k Hj kjv cW Gl mbku ui
Mmvk JYiW k JYpv cb FbjHm pmm k [

k HnB Dmv n Dj Dbljk KljW m yJ n
Sk Skk=l F& Dj H Cu k mLHv GHi ikW

k cOc m;
pmm k JYi k o#l c mOj n ;
lov k k& mJul n, k& Jn k cOc m Dj

Fukw^@vk Dvcov D m ;
mJb mJ H&u k mLHv kc&jW k yu Yjv k

u, Hm k JHm k u Do ~
IV.6.8 mlJl Cu k Dvkul k&Jn ov kjv k
Gcco n pmm k k&Yj c kc n pi ; n vJv pvkj
ov kji p k JYi k kckp c Dmv ui ; Dj
jHx c J= (mLl jHx)ynlj v$bC SJ vijv k u~
lJjl SJ Dmv Jnv k yc k GHuyOl

DOkjb k yc k vn nv k myl k GHuyOl Sk
Dljkwl pvkj pmm Jn ij ycl JnvW k KuH
kj&JF& kj mkW ~
pu omlJp k Fmlcu k jkLc kjv ~
yc pu cW DOk Jnv k uv~
Jnv yc k m#c pvkj k ljbl GHuyO kjv

OkjC k mcv , p k vck GMW k u GHi
n mkl nQ ~
yc Mkl k@u mWj k mLHv ( DF& p m m)

IV.6.11
J DF Sm Sm Sm Hj pKc cmo y J J k
JymF Hj o i n p k nlOjk k HHC k cBi
kjl n ~
IV.6.9 H@um Ojk k MklW k kMulHJ&k/ lp m

oj kjv k u Dj iClck Mkl vJjC DvYJ k oj
kjv Hj oM cW , y J J v yc Mkl k@u mWj k
mLHv k n ~ Fm Cu k JM<l vcv n :
Skk=l Mkl ybOv Cu (DF p Sc Sm)

IV.6.12 yc #$ k
DF& p m m k mLHv Dboj , ynj Dj JHm k&u

#clDW k mL y J J k oj k GMWk Hj kjv
k u ~
cpo Mkl mOj JJmL c mOj uv

k u, y J J v koc G n mcvJl Mkl Cu
(DF p Sc Sm)k M kjk ~ mlJl DF p Sc Sm OkjC
k vcv GM k qHl c coo kji :
j<^JH GHYkwl mJ nuHuFv k mLHv , JHm

k&u ilJO j mcL&l ~
H@um Ojk k Sku K[k Cu ov pmm k J

DHv Mkl op& kj mkW DHv yc kbHv k KuH~
H@um Ojk k coo kjv MklW k y J J k HnBkj~
n k@u mWj 20 puF& 2010 m k& kj jn n ~
Jnv yc mm Sm Sc Sm Cu k jv Dj Jkm (J
DF Sm Sm Sm )
n mvMl kjv k H@um Ojkb k mn mJO cu

mk Dj Gvk nlW k j# n mkW~
JmlJk oJ k MI vHv mvMl kjv
YJ Mkl vJjC Cu k pin Hj uv
IV.6.13 mlJl mcOv {B c n #cl n k H@um Ojk
k kWk=l SJ D@vuFv HnB ov kj mkW ~ Fmk DuJ , y

J J k Hm Mkl vJjC k vijv Dj v$bC
k u Hj HnB jni ~ mlJl Cu k JM<l Fm kj
n :
IV.6.10 mlJl Cu Sk Dljkwl mJO ov kji Hum
DOkjb k Jnv k yc mLl k mlHl kjv cW ~ Y

DF Sm Sm Sm Sk Dj mJO ov kji yv yc k JnvW k
Hl uiv cW Dj Gm ycl kjJv cW pmm k yc kbHv
85
dm{fH$ [anmoQ>
2009-10
Fm Gi c Sk n cvk Mkl vJjC lb$ k mLHv

nlOjkW v JM< H m mjn n mbKk pvkj k p
k H$k c jnl n ~ uK k H c iov k m , MO H$
Do ., H$k cW p[ i n Dj n H$k k m#c yvl nQ
Sk l k H c JYV j k u -ov ljn k Iju SJ
Dbljj^~ H$k k cBi ncM y{l p jn n , p k JYV
nlOjkW k y{l nF k lk n n Y m n k n
DHv GM k Hl& kj jn n ~ H$k k Jy luH HkW
k y{l mbK k l n ~
yc k Mkl k cO YC[j k vc&C Dj Gmk YJ

vijv mc mc Hj ~
Sc DF Sm jH& yvv, Mklb k vJjC k mY
HnuDW Hj ~
H@um Ojk k ukHu k DHv Mkl HnBv cW
mun ov ~
J<& 2009-10 k ojv , kF& mckuv J<W k kJj

k i n ~ pv J<W k c Hkm k lnld kJj k
i n J n : cC SJ mcpk lyl yc kbHv k; yc
JHCv ; oI&v yc ; pKc DOjl HBp yc Gi c ;
DjC yc cW ; vJj SJb Jkm GojkjC c ; mv k
J<cl yc cW ; [ YC[jC Dj Kvv ; ^vi yc cW Dj yc
cW ncoj k Yck ~ il J<& k ojv Sk J= k oK i
n ks cK yl/c onj kj D jn n; pmk Jpn m mbHok
y[& v cnlJHC& #$W k Hj m onj L ~
IV.8.2
H@um Ojk k Sk mju SJ Dmv cb ov pnB Jn

yc kbHvW Dj ouuW k KuH Mkl op& kj mkW ~
IV.6.14
OkjC v ui SpWm k v u n Skk=l Mkl

ybOv Cu k u Dj vF& Cu puo n ui k pi ~
7 . Kl
IV.7.1
OkjC k uK J<& 2009-10 k u Yjl vb$k

SJb cnuK Hj#k( m Sb[ S p) j uK Hj#l k i~
Oj 17 , ~r.{d.{d.m. DOvc 1999 k Dvmj, Dbk#l
KlW k D[ jH& Yjl mjkj k D<l kjv nl n p
k mbmo k ovW movW cW jK pl n ~ J<& 2009-10 k u
KlW k Sk l DvybO 10 Hj nQ ~
DYj
IV.9.1
y J J . jk[& Hj knv nl n k , yc
munkj mcl k mom k, Hvy&c munkj mcl, J
JYi (Jd cb$u), mY yc kbHvW k Dj cOmlW k
Gvk Dcu ci&oM&v SJ mcl k& cW mni Dj y J J
k DOkjW SJ kc&jW k mIv mcn k DHv kl&JW
k kMul m Huv k u F&cvoj m mjnv Dj OvJo
kjl n ~ OkjC JM< OvJo ov nl n jk[& Hj ,
DHv pvl k, m k , mY JJmk vkW Dj Dbljj^
SpWmW pk yc m mbybOl n mL c Dbljj^ mbI yc k
H&J#k (DF S DF Sm) Gvk mc mc Hj yncu iov
k u ~
8. y J J . H$k
IV.8.1 vJbyj 2009 k H$k , p k OkjC k cmk
kMv n , ml J<& k nv k Hjk n ; H$k DHv yc
#$ k JYV cW k pvkj k iCJ k u pv pl n
~ Fm DJO k ojv H$k v Ko k mbKk mv m
mbil k n cmk SJ $cmk Dblju Hj ~ mbKk
mv Ds ljn m JYV nlOjkW k Hl nD n , Dj
86
dm{fH$ [anmoQ>
2009-10
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87
dm{fH$ [anmoQ>
88
2009-10
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2009-10
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Hw$b
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Ja-OrdZ
Hw$b
OrdZ
Ja-OrdZ
6.4
3.4
3.0
7.3
4.4
2.9
3.1
1.6
1.5
3.0
1.4
1.6
10.3
7.2
3.1
9.2
6.2
3.0
7.0
3.3
3.7
6.6
3.0
3.5
2.5
0.0
2.5
2.3
0.0
2.3
12.9
10.0
2.9
15.3
12.5
2.9
9.8
5.4
4.5
9.9
5.5
4.4
12.9
10.0
3.0
15.7
12.8
2.9
8.0
3.5
4.5
8.7
4.1
4.6
0.9
0.7
0.2
0.9
0.7
0.2
11.0
9.6
1.4
11.2
9.9
1.3
5.2
4.6
0.6
4.6
4.0
0.6
9.9
7.8
2.1
9.8
7.6
2.2
4.4
2.9
1.6
4.3
2.8
1.5
0.7
0.3
0.4
0.8
0.3
0.4
3.4
2.3
1.1
3.3
2.2
1.0
6.8
5.1
1.7
7.8
6.3
1.6
10.4
6.5
3.9
11.8
8.0
3.7
1.4
0.6
0.9
1.4
0.6
0.9
16.8
13.8
3.0
16.2
13.3
2.9
4.0
2.4
1.6
3.3
1.8
1.5
7.0
4.0
3.0
7.1
4.1
2.9
moV: pdg ar, {g_m, AH$ 2/2010 Ed 3/2009

*~r_m YZd H$mo {H$V na AZwnmV Ho$ OrS>rnr Ho$ n _| AZwnmV H$mo _mnm OmòJm
**S>mQ>m H$b|S>a df go g~{YV h &
# S>mQ>m {d{m`df 2009-10 VWm 2008-09 go g~{YV h &
89
dm{fH$ [anmoQ>
2009-10
{ddaU 2
~r_m nhM H$s AVam>r` VwbZm*

{VeV _|
2009**
Xoe
AmpQ>`m
~mOrb
\$mg
O_Zr
g
X{jU A\$sH$m
pdQ>OabS>
JoQ> [~Q>oZ
g`w$ am>
E{e`mB Xoe
~mJbmXoe
hmJH$mJ
^maV#
OmnmZ
_bo{e`m
nm{H$VmZ
MrZ
qgJmnwa
X{jU H$mo[a`m
lrbH$m
VmBdmZ
WmBbS>
{d
2008**
Hw$b
OrdZ
Ja OrdZ
Hw$b
OrdZ
Ja OrdZ
2832.7
1524.8
1307.9
3386.5
2038
1348.6
251.7
127.9
123.8
244.5
115.4
129.1
4269.1
2979.8
1289.4
4131
2791.9
1339.2
2878.4
1359.7
1518.7
2919.2
1346.5
1572.7
280.9
4.5
276.4
273.5
5.4
268.1
738.1
574.2
163.9
870.6
707.0
163.6
6257.6
3405.6
2852.1
6379.4
3551.5
2827.9
4578.8
3527.6
1051.2
6857.8
5582.1
1275.7
3710.0
1602.6
2107.3
4078.0
1900.6
2177.4
5.2
3.9
1.3
4.4
3.3
1.1
3304.0
2886.6
417.5
3310.3
2929.6
380.8
54.3
47.7
6.7
47.4
41.2
6.2
3979.0
3138.7
840.4
3698.6
2869.5
829.2
321.8
206.9
115.0
345.4
225.9
119.5
6.6
3.0
3.6
6.8
2.8
4.0
121.2
81.1
40.0
105.4
71.7
33.7
2557.6
1912.0
645.6
3179.0
2549.0
630.0
1890.3
1180.6
709.7
1968.7
1347.7
621.0
29.5
11.8
17.7
32.1
12.8
19.3
2752.1
2257.3
494.8
2787.6
2281.1
499.6
154.4
91.7
62.7
142.1
77.2
64.9
595.1
341.2
253.9
633.9
369.7
264.2
moV: pdg ar, {g_m, AH$ 2/2010 Ed 3/2009

*~r_m YZd H$mo Hw$b OZg`m Ho$ r{_`_ Ho$ AZwnmV (`yEg S>mba _o) _mnm J`m h &
**S>mQ>m H$b|S>a df go g~{YV h &
# S>mQ>m {d{m`df 2009-10 VWm 2008-09 go g~{YV h &
90
19588.77
(101.93)
4.19
32.78
28.11
113.33
7.58
21.14
14.69
7.14
38.80
0.48
0.28
268.51
(4061.70)
19857.28
(104.56)
9700.98
EbAmBgr
91
9707.43
15976.76
(-18.44)
17.66
129.31
129.57
364.11
35.21
59.77
71.88
63.39
67.31
7.70
6.32
13.47
965.69
(259.65)
16942.45
(-14.68)
2002-03
- `dgm` ew$ Zht {H$`m J`m H$mo XemVm h &
{Q>nUr: H$mo>H$ _| AmH$S>| {nN>bo df H$s VwbZm _| d{ H$mo {VeV _| XemV| h
Hw$b
AmBEZOr do`m
EMS>rE\$gr Q>S>S> bmB\$ 0.002

~rEgEbAmB
0.32
AmBgrAmBgrAmB y
5.97
H$moQ>H$ bmB\$
Q>mQ>m EAmBOr
Eg~rAmB bmB\$
~OmO AbmÒ
E_EZdmBEb
0.16
_oQ> bmB\$
[abm`g bmB\$
A{ddm
ghmam
lram_ bmB\$
^maVr Egm
`yMa OZabr
AmBS>r~rAmB \o$S>b
Ho$Zam EMEg~rgr
EJmoZ ao{b{Jà
S>rEbE\$ m_o[aH$m
Q>ma `y{Z`Z XmBMr
BpS>`m \$Q>
{ZOr jo
6.45
2001-02
2000-01
~r_mH$Vm
17347.62
(8.58)
72.10
209.33
449.86
750.84
125.51
181.59
207.05
179.55
137.28
23.41
27.21
76.96
2440.71
(152.74)
19788.33
(16.80)
2003-04
20653.06
(19.05)
282.42
486.15
621.31
1584.34
373.99
297.55
484.85
857.45
233.63
57.52
91.33
192.29
1.74
5564.57
(127.99)
26217.64
(32.49)
2004-05
28515.87
(38.07)
283.98
1042.65
678.12
2602.50
396.06
464.53
827.82
2716.77
471.36
148.53
193.56
407.12
26.34
10.33
10269.67
(84.55)
38785.54
(47.94)
2005-06
56223.56
(97.17)
467.66
1648.85
882.72
5162.13
614.94
644.82
2563.84
4302.74
912.11
340.44
932.11
721.35
43.00
181.17
7.78
19425.65
(88.84)
75649.21
(94.96)
2006-07
59996.57
(6.71)
704.44
2685.37
1965.01
8034.75
1106.62
964.51
4792.82
6674.48
1597.83
825.35
2751.05
1053.98
122.12
309.99
113.24
2.49
11.90
33715.95
(73.56)
93712.52
(23.88)
2007-08
W_ df (EH$b r{_`_ H$mo {_bmH$a) OrdZ ~r_m r{_`_

2009-10
53179.08 71521.90
(-11.36)
(34.49)
688.95
642.43
2651.11
3257.51
2820.85
2960.01
6811.83
6334.03
1343.03
1333.98
1142.67
1322.01
5386.64
7040.74
4491.43
4451.10
1842.91
1849.08
1144.70
1061.85
3513.98
3920.78
724.56
798.37
134.01
124.83
314.47
419.50
292.93
437.43
149.97
486.08
316.78
400.56
296.41
622.62
31.21
37.38
3.37
150.37
50.19
519.87
201.59
34152.00 38372.12
(1.29)
(12.36)
87331.08 109894.02
(-6.81)
(25.84)
2008-09
(`. H$amoS> _|)
{ddaU 3
dm{fH$ [anmoQ>
2009-10
(9.65)
21.16
148.83
143.92
417.62
40.32
81.21
72.39
69.17
96.59
7.91
6.47
13.47
1119.06
(310.59)
55747.55
(11.28)
92
34898.47
ZmoQ>: 1) H$mo>H$ _| Xò Jò AmH$S>o {nN>bo df H$s d{ H$mo {VeV _| XemV| h
2) `dgm` ew$ Zhr {H$`m J`m H$mo XemVm h &
Hw$b
0.002
0.32
5.97
0.16
6.45
(42.79)
4.19
33.46
28.26
116.38
7.58
21.14
14.69
7.14
38.95
0.48
0.28
272.55
(4124.31)
50094.46
(43.54)
AmBEZOr do`m
EMS>rE\$gr Q>S>S> bmB\$
~rEgEbAmB
AmBgrAmBgrAmB y
H$moQ>H$ bmB\$
Q>mQ>m EAmBOr
Eg~rAmB bmB\$
~OmO AbmÒ
E_EZdmBEb
_oQ> bmB\$
[abm`g bmB\$
A{ddm
ghmam
lram_ bmB\$
^maVr Egm
`yMa OZabr
AmBS>r~rAmB \o$S>b
Ho$Zam EMEg~rgr
S>rEbE\$ m_o[o aH$m
EJmoZ ao{b{Jà
Q>ma `y{Z`Z XmBMr
BpS>`m \$Q>
{ZOr jo
54628.49
49821.91
34892.02
EbAmBgr
2002-03
2001-02
2000-01
~r_mH$Vm
(16.30)
88.51
297.76
537.54
989.28
150.72
253.53
225.67
220.80
215.25
28.73
31.06
81.50
3120.33
(178.83)
66653.75
(19.56)
63533.43
2003-04
2006-07
2007-08
2008-09
2009-10
90792.22 127822.84 149789.99 157288.04 186077.31
2005-06
(`. H$amoS> _|)
{ddaU 4
(18.25)
(20.85)
(40.79)
(17.19)
(5.01)
(18.30)
338.86
425.38
707.20
1158.87
1442.28
1642.65
686.63
1569.91
2855.87
4858.56
5564.69
7005.10
915.47
1259.68
1766.17
3272.19
4571.80
5505.66
2363.82
4261.05
7912.99 13561.06 15356.22 16531.88
466.16
621.85
971.51
1691.14
2343.19
2868.05
497.04
880.19
1367.18
2046.35
2747.50
3493.78
601.18
1075.32
2928.49
5622.14
7212.10 10104.03
1001.68
3133.58
5345.25
9725.31 10624.52 11419.71
413.43
788.13
1500.28
2714.60
3857.26
4860.54
81.53
205.99
492.71
1159.54
1996.64
2536.01
106.55
224.21
1004.66
3225.44
4932.54
6604.90
253.42
600.27
1147.23
1891.88
1992.87
2378.01
1.74
27.66
51.00
143.49
206.47
250.59
10.33
184.17
358.05
436.17
611.27
7.78
118.41
360.41
669.73
2.49
152.60
541.51
11.90
318.97
571.12
296.41
842.45
3.37
165.65
31.21
38.44
50.19
530.37
201.60
7727.51 15083.54 28242.48 51561.42 64497.43 79373.06
(147.65)
(95.19)
(87.24)
(82.57)
(25.09)
(23.06)
82854.80 105875.76 156065.32 201351.41 221785.47 265450.37
(24.31)
(27.78)
(47.38)
(29.01)
(10.15)
(19.69)
75127.29
2004-05
dm{fH$ [anmoQ>
2009-10
54.49
(36.25)
304.50
(41.04)
2167.75
(55.79)
235.16
(57.14)
1394.92
(61.00)
0.00
(0.00)
19.26
(51.58)
203.40
(44.77)
1252.55
(45.49)
2650.04
(50.83)
93.52
(23.35)
362.04
(57.16)
481.88
(43.31)
20511
(41.15)
A{ddm**
101020
(42.17)
~OmO AbmÒ
935342
(41.95)
^maVr Egm
102514
(57.35)
{~abm gZ bmB\$ 706354
(39.89)
Ho$Zam EMEg~rgr
0
(0.00)
S>rEbE\$ m_o[aH$m
7784
(39.95)
`yMa OZabr
125637
(37.43)
EMS>rE\$gr Q>S>S> 661887
(69.65)
AmBgrAmBgrAmB y. 861286
(48.90)
AmBS>r~rAmB \o$S>b 29043
(30.01)
AmBEZOr do`m
198309
(68.20)
H$moQ>H$ _{hm
148405
(46.35)
93
0
(0.00)
20026
(8.36)
27858
(1.25)
9716
(5.44)
63126
(3.56)
99856
(100.00)
0
(0.00)
0
(0.00)
260476
(27.41)
187001
(10.68)
54519
(56.34)
41465
(14.26)
27499
(8.59)
0.00
(0.00)
70.82
(9.54)
51.00
(1.31)
26.69
(6.49)
379.29
(16.59)
615.98
(100.00)
0.00
(0.00)
0.00
(0.00)
1398.79
(50.80)
1335.71
(25.62)
281.49
(70.29)
164.63
(25.99)
291.19
(26.17)
3055
(6.13)
6646
(2.77)
966291
(43.34)
7427
(4.15)
797886
(45.06)
0
(0.00)
4386
(22.51)
175763
(52.36)
1808
(0.19)
68734
(3.90)
26
(0.03)
23922
(8.23)
39434
(12.32)
9.86
(6.56)
4.22
(0.57)
802.35
(20.65)
21.34
(5.18)
248.82
(10.88)
0.00
(0.00)
6.61
(17.70)
201.16
(44.28)
50.46
(1.83)
327.74
(6.29)
0.07
(0.02)
47.96
(7.57)
106.33
(9.56)
{ZJ{_V A{^H$Vm
~H$
A`
nm{bgr`m
{_`_ nm{bgr`m
{_`_
6507
(13.05)
29338
(12.25)
5975
(0.27)
31170
(17.44)
66551
(3.76)
0
(0.00)
35
(0.18)
267
(0.08)
671
(0.07)
122043
(6.93)
1192
(1.23)
3456
(1.189)
53871
(16.83)
nm{bgr`m
{_`_
17.30
(11.51)
31.92
(4.30)
10.28
(0.26)
56.15
(13.65)
132.96
(5.81)
0.00
(0.00)
0.06
(0.16)
0.51
(0.11)
2.01
0.07
444.01
(8.52)
3.63
(0.91)
6.02
(0.95)
142.29
(12.79)
Xbmb
19775
(39.67)
82513
(34.45)
294023
(13.19)
27923
(15.62)
136804
(7.73)
0
(0.00)
7279
(37.36)
34026
(10.14)
25418
2.67
522163
(29.65)
11984
(12.38)
23603
(8.12)
50964
(15.92)
nm{bgr`m
{ddaU 5
150.31
(100.00)
742.02
(100.00)
3885.32
(100.00)
411.54
(100.00)
2286.74
(100.00)
615.98
(100.00)
37.35
(100.00)
454.31
(100.00)
2753.55
(100.00)
5213.55
(100.00)
400.45
(100.00)
633.33
(100.00)
1112.65
(100.00)
12
(0.02)
82073
(34.26)
31545
(1.41)
0
(0.00)
30346
(1.71)
0
(0.00)
0
(0.00)
0
(0.00)
8406
0.88
454836
(25.82)
0
(0.00)
23603
(8.12)
4345
(1.36)
0.03
(0.02)
327.68
(44.16)
331.44
(8.53)
0.00
(0.00)
12.84
(0.56)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
9.58
0.35
252.57
(4.84)
0.00
(0.00)
52.69
(8.32)
8.76
(0.79)
`mnma
{Z{X>
nm{bgr`m
{_`_
(nm[b{g`m| H$s g`m)
`{$JV Zò
`nma H$m `moJ
nm{bgr`m
{_`_
_o)
68.67
49848
(45.69) (100.00)
330.56 239543
(44.55) (100.00)
853.94 2229489
(21.98) (100.00)
72.20 178750
(17.54) (100.00)
130.74 1770721
(5.72) (100.00)
0.00
99856
(0.00) (100.00)
11.41
19484
(30.56) (100.00)
49.24 335693
(10.84) (100.00)
49.74 950260
1.81 (100.00)
456.05 1761227
(8.75) (100.00)
21.74
96764
(5.43) (100.00)
52.69 290755
(8.32) (100.00)
90.96 320173
(8.18) (100.00)
{_`_
`j {dH$`
{Q>nUr: 1. H$mo>H$ _| {Xò Jò AmH$S>o Cn`w$ MbZ mam A{OV {H$ò Jò Zò `{$JV `mnma Ho$ Hw$b H$mo XemVo h&
2. Z`m `dgm` r{_`_ W_ df Ho$ r{_`_ VWm EH$b r{_`_ H$mo {_bmH$a * ~H$ Ho$ Abmdm, {ZJ{_V A{^H$Vm Ho$ $n _| nOrH$V H$moB A` gWm
3. {Z{X> `dWmAm| mam EH${V$ {H$ò Jò AmH$S>o Cn`w$ MZbm| _| OmoS>o Jò h &
** {dXoer `mnma H$mo Zhr {_bm`m J`m h & # ~r_mH$Vm Zo OmZH$mar Xr h H$s Mmby {dm df _| Hw$b nm{b{g`m| H$s g`m _| go a H$s J`r nm{b{g`m| H$mo {ZH$mb {X`m J`m h &
EJmoZ aobrJoà
{_`_
`{$JV A{^H$Vm
nm{bgr`m
~r_mH$Vm
(nr{_`_ H$amoS>
OrdZ ~r_mH$VmAm| Ho$ `{$JV Zò `mnma H$m {ZnmXZ - MZb AZwgma
dm{fH$ [anmoQ>
2009-10
94
r{_`_
(84.66)
(79.61)
(3.92)
(10.60)
(7.18)
76.51 301914
(4.35)
(31.72)
509.65
16255
(54.41)
(5.57)
0.00 1024901
(0.00)
(44.07)
0.00
3626
(0.00)
(4.31)
1869.15
31352
(41.58)
(2.32)
0.00
17172
(0.00)
(12.32)
490.40
0
(100.00)
(0.00)
98.99
51913
(8.72)
(7.53)
201.59
0
100.00
(0.00)
7861.86 3542511
(24.88)
(24.68)
826.82 277279
(1.64)
(0.71)
8688.68 3819790
(4.28)
377.34
(21.45)
28.35
(3.03)
783.72
(23.13)
4.09
(3.83)
111.53
(2.48)
34.64
(9.07)
0.00
(0.00)
81.25
(7.16)
0.00
(0.00)
3247.83
(10.28)
262.94
(0.52)
3510.76
A`
nm{bgr`m
r{_`_
{ZJ{_V A{^H$Vm
~H$
nm{bgr`m
r{_`_
580386 1229.41
33015
(60.98)
(69.87)
(3.47)
134740
354.02 122772
(46.19)
(37.80)
(42.08)
825628 1562.98
0
(35.50)
(46.13)
(0.00)
80407
102.75
0
(95.69)
(96.17)
(0.00)
847032 2457.49 455356
(62.59)
(54.67)
(33.65)
75756
226.61
0
(54.36)
(59.31)
(0.00)
0
0.00 108192
(0.00)
(0.00) (100.00)
509864
855.70
37634
(73.98)
(75.36)
(5.46)
0
0.00
70756
(0.00)
(0.00)
100.00
6951905 16008.48 1619267
(48.42)
(50.67)
(11.28)
38084999 49280.77 465276
(98.06)
(97.75)
(1.20)
45036904 65289.25 2084543
nm{bgr`m
`{$JV A{^H$Vm
(0.83)
12274
(1.29)
7419
(2.54)
33653
(1.45)
0
(0.00)
18797
(1.39)
986
(0.71)
0
(0.00)
34092
(4.95)
0
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0.00
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626.28
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2009-10
103.56
0.00
40.50
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1.57 14448 20.45 55384 197.18
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0.40 11199 16.91 43662 181.88
1.02 16680 27.81 45840 204.15
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0.35 40808 64.64 314429 611.30
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69925
192.30
nOm~
25138
100.24
amOWmZ
70845
267.86
{g{$_
436
2.03
V{_bZmSw>
168974
492.32
{nwam
2149
3.55
Cma Xoe
92250
347.78
CmamIS>
13866
59.76
n{_ ~Jmb
68825
313.64
313
1.64
MS>rJT>
2577
12.29
XmXa VWm ZJa hdobr
137
0.56
X_Z Ama Xrd
129
0.78
{Xr
18730
138.80
bjrn
10
0.03
nwSw>Moar
4312
13.57
H$nZr Hw$b
1353231 4495.26
# BZHo$ {dXoer Zò `mnma r{_`_ BZ_| Zr{hV Zhr h &
am`/Ho$
em{gV Xoe
dm{fH$ [anmoQ>
99
2009-10
0.00
0.10
6.65
0.00
0.01
0.00
0.00
2.14
79.12
56.81
0.00
0.00
70.75
5.96
6.81
0.73
0.00
0.31
122.52
0.00
0.00
19.92
371.83
2788.78
3160.61
EoJmoZ aobrJoà
5.51
11.80
2.48
14.83
A{ddm
61.80
37.48
37.64
61.64
~OmO AbmÒ
721.09
333.91
114.30
940.70
^maVr Egm bmB\$
38.83
24.53
18.57
44.79
{~abm gZ bmB\$
675.92
738.69
421.43
993.18
Ho$Zam EMEg~rgr
0.17
0.69
0.05
0.81
S>rEbE\$ m_o[aH$m
0.63
1.61
0.84
1.40
`yMa OZabr
56.39
167.33
45.25
178.47
EMS>rE\$gr Q>S>S>
1244.33
426.59
173.62
1497.30
AmBgrAmBgr y.
1311.84
522.91
863.25
971.50
AmBS>r~rAmB \o$S>b
10.47
37.18
0.20
47.45
BpS>`m \$Q>
0.00
0.00
0.00
0.00
AmBEZOr do`m
362.65
165.03
95.61
432.07
H$moQ>H$ _{hXm
156.83
33.66
27.78
162.71
_mg `y `moH$
1135.46
472.99
266.18
1342.27
_oQ>bmB\$
175.53
104.03
49.43
230.13
[abm`g
234.10
450.37
84.26
600.21
ghmam
101.10
38.01
22.84
116.27
Eg~rAmB bmB\$
488.95
146.80
57.01
578.74
lram_
38.36
17.74
16.31
39.80
Q>ma `y{Z`Z
0.62
11.94
0.33
12.23
Q>mQ>m EAmBOr
710.08
288.02
257.61
740.49
Hw$b
7530.66 4031.32 2554.99 9006.99
EbAmBgr
210154.04 32907.33 17003.48 226057.89
Hw$b
217684.70 36938.65 19558.47 235064.88
*Z`r nm{b{g`m| H$mo {_bmH$a, ~hmb H$s JB / nwZ{dbmo{H$V H$s JB
**_`w Ho$ H$maU, n[an$Vm bog, g_{nV VWm a H$s JB nm{b{g`m| H$mo {_bmH$a
# dm` qbS> `dgm` H$mo hQ>mH$a (`{X h)
S>mQ>m H$m moV: ~r_mH$H$ [anmoQ> VWm {ZMmoS> {XZmH$ 31/03/2010 na
A{V[a$* hQ>m`r J`r**
H$mo
bmJy `mnma
H$mo
bmJy `mnma
01-04-2009
31-03-2010
0.00
0.28
0.73
0.00
0.16
0.00
0.00
1.89
13.11
2.60
0.00
0.00
24.05
0.35
0.42
0.08
0.00
0.01
19.38
0.01
0.01
0.46
63.54
255.92
319.46
0.00
0.10
0.48
0.00
0.03
0.00
0.00
0.08
12.29
2.07
0.00
0.00
5.60
0.40
0.70
0.05
0.00
0.01
8.68
0.00
0.00
1.06
31.55
264.86
296.41

0.00
0.28
6.90
0.00
0.14
0.00
0.00
3.95
79.94
57.34
0.00
0.00
89.20
5.91
6.53
0.76
0.00
0.31
133.22
0.01
0.01
19.32
403.82
2779.84
3183.66
H$mo
bmJy `mnma
31-03-2010
gm_m` E`wQ>r VWm godm{Zd{m `mnma
H$mo
bmJy `mnma
OrdZ `mnma
01-04-2009
~r_mH$Vm
`{$JV `mnma (^maV _|) bmJy `mnma
H$mo
bmJy `mnma
31-03-2010
qbS>
`mnma#
0.00
44.34
0.00
921.54
81.94
7247.94
6.00
257.47
7.71
2304.84
0.00
129.34
0.00
19.84
0.00
196.95
0.00
1666.98
115.19
5089.19
0.00
114.70
0.00
70.47
0.00
663.67
0.00
912.64
41.76
1586.93
9.70
563.02
0.00
3980.90
0.00
166.06
0.00
3167.14
0.00
285.22
0.00
106.11
101.11
932.58
363.40 30427.87
0.00 49434.28
363.40 79862.15
H$mo
bmJy `mnma
31-03-2010
dm`
`mnma
bmJy `mnma
31-03-2010
Hw$b
0.00
59.17
0.00
983.46
0.00
8277.48
0.00
308.26
5.78
3311.65
0.00
130.15
0.00
21.24
0.00
379.37
0.00
3244.22
87.83
6321.04
0.00
162.15
0.00
70.47
0.00
1184.94
0.00
1081.26
0.00
2977.49
0.00
803.61
51.83
4632.94
0.00
282.64
0.00
3879.10
0.00
325.03
0.00
118.35
15.68
1809.18
161.12 40363.20
291.40 278563.41
452.51 318926.60
H$mo
bmJy `mnma
31-03-2010
qbS>
dW` `mnma
(nm{b{g`m 000 _|)
{ddaU 8
dm{fH$ [anmoQ>
100
2009-10
14.83
19098.07
8722.92
3146.38
6543.55
29544.47
27346.81
8198.31
41554.02
9336.34
8738.16
18017.96
14845.86
1700.11
989.07
1411.51
4179.38
5062.76
366.27
3287.37
113.73
280.01
0.00
212483.06
2061033.71
2273516.76
H$mo
bmJy `mnma
H$mo
bmJy `mnma
31-03-2010
01-04-2009
OrdZ `mnma
EoJmoZ aobrJoà
5.51
11.80
2.48
~OmO AbmÒ
15195.38
7495.90
3593.20
[abm`g
6069.01
4485.21
1831.29
A{ddm
828.22
2750.66
432.50
{~abm gZ bmB\$
4830.08
2819.34
1105.86
EMS>rE\$gr Q>mS>S>
22251.64 10524.66
3231.83
AmBgrAmBgr y.
29118.02
9026.80 10798.02
AmBEZOr do`m
7253.20
2789.89
1844.78
_mg `y `mH$
40914.36 12295.79 11656.13
_oQ>bmB\$
7197.76
3706.66
1568.08
H$moQ>H$ _{hXm
8478.59
1967.00
1707.43
Eg~rAmB bmB\$
14455.35
5642.22
2079.61
Q>mQ>m EAmBOr
13517.96
3158.44
1830.53
ghmam
1453.91
591.53
345.33
lram_
916.14
326.76
253.83
^maVr Egm bmB\$
1313.59
1210.01
1112.09
`yMa OZabr
2041.28
3844.93
1706.84
AmBS>r~rAmB \o$S>b
1026.27
4060.18
23.69
Ho$Zam EMEg~rgr
59.27
341.25
34.24
EoJmoZ aobrJoà
903.08
2823.34
439.05
S>rEbE\$ m_o[aH$m
49.19
122.55
58.01
Q>ma `y{Z`Z
15.04
273.18
8.21
BpS>`m \$Q>
0.00
0.00
0.00
Hw$b
177887.34
80256.28
45660.56
EbAmBgr
1784879.93 454767.14 178613.36
Hw$b
1962767.26 535023.43 224273.93
*Z`r nm{b{g`m| H$mo {_bmH$a, ~hmb H$s JB / nwZ{dbmo{H$V H$s JB
**_`w Ho$ H$maU, n[an$Vm bog, g_{nV VWm a H$s JB nm{b{g`m| H$mo {_bmH$a
# dm` qbS> `dgm` H$mo hQ>mH$a (`{X h)
S>mQ>m H$m moV: ~r_mH$H$ [anmoQ> VWm {ZMmoS> {XZmH$ 31/03/2010 na
~r_mH$Vm
0.00
225.78
0.00
2.57
0.04
1501.86
1567.57
213.26
139.28
15.13
235.51
975.61
443.97
7.67
0.02
0.00
0.68
0.00
0.00
1.37
0.00
0.00
0.00
5330.33
46963.83
52294.16
H$mo
bmJy `mnma
01-04-2009
0.00
13.03
0.00
1.83
0.03
314.94
62.03
168.57
7.80
1.87
5.56
176.92
9.48
0.38
0.11
0.00
0.55
0.00
0.00
12.16
0.00
669.41
0.00
1444.67
6280.88
7725.55
0.00
19.66
0.00
2.51
0.00
237.05
77.73
21.95
13.74
1.64
17.27
336.09
19.56
0.64
0.00
0.00
0.00
0.00
0.00
1.37
0.00
0.00
0.00
749.20
6318.14
7067.34

0.00
219.15
0.00
1.89
0.07
1579.75
1551.87
359.89
133.34
15.37
223.80
816.43
433.89
7.41
0.12
0.00
1.23
0.00
0.00
12.16
0.00
669.41
0.00
6025.80
46926.56
52952.36
H$mo
bmJy `mnma
31-03-2010
gm_m` E`wQ>r VWm godm{Zd{m `mnma
`{$JV `mnma (^maV _|) bmJy `mnma
H$mo
bmJy `mnma
31-03-2010
qbS>
`mnma#
0.00
44.34
2825.10 178770.14
0.00 40591.93
0.00 26906.63
773.32 109029.13
0.00 57891.87
19585.83 89387.98
0.00 11476.51
735.28 47876.49
44.34 31918.08
0.00 29030.47
141.81 55777.33
5367.02 31035.20
0.00
2875.37
0.00
7544.03
126.30
5487.14
0.00
5042.83
0.00
2747.07
0.00
6786.04
0.00
1192.62
0.00
551.99
0.00
1854.13
0.00
566.03
29599.00 744339.01
0.00 223125.44
29599.00 967464.45
H$mo
bmJy `mnma
31-03-2010
dm`
`mnma
0.00
0.00
1085.90
0.00
578.30
0.00
111.86
0.00
0.00
0.00
0.00
0.00
2380.46
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
4156.52
10851.57
15008.09
H$mo
bmJy `mnma
31-03-2010
qbS>
dW` `mnma
59.17
200912.46
50400.76
30054.90
116924.37
89016.09
137984.34
20034.70
90299.13
41314.13
37992.43
74753.53
54062.44
4582.89
8533.22
7024.95
9223.44
7809.83
7152.31
4492.15
665.72
2803.56
566.03
996603.39
2341937.28
3338540.67
bmJy `mnma
31-03-2010
Hw$b
(` H$amoS> _|)
{ddaU 9
dm{fH$ [anmoQ>
101
2009-10
EbAmBgr
AmBEZOr do`m
EMS>rE\$gr Q>S>S>
{~abm gZ bmB\$
AmBgrAmBgr y.
H$moQ>H$ _{hXm
Q>mQ>m EAmBOr
Eg~rAmB bmB\$
~OmO AbmÒ
_mg `y `moH$
_oQ>bmB\$
[abm`g
A{ddm
ghmam
lram_
^maVr Egm bmB\$
`yMa OZabr
AmBS>r~rAmB \o$S>b
Ho$Zam EMEg~rgr
EoJmoZ aobrJoà
S>rEbE\$ m_o[aH$m
Q>ma `y{Z`Z
BpS>`m \$Q>
{ZOr Hw$b
CmoJ Hw$b
~r_mH$Vm
Hw$b
102
42.75
275.53
250.22
48.39
758.93
879.75
201.60
74.54
290.62
54.10
42.29
150.50
32.35
9.15
115.02
18.45
3.95
1.38
264.63
38.85
2917.26
6058.51
1083.77
1273.62
6281.82
3571.35
1647.47
987.31
3630.15
744.28
82.53
269.00
405.09
476.93
285.53
604.17
146.42
36.00
255.24
162.74
2545.65
3747.60
1000.22
5505.66
7005.10
1642.65
201.59
519.87
37.38
150.37
622.62
400.56
486.08
437.43
419.50
124.83
798.37
3920.78
1061.85
1849.08
4451.10
7040.74
1322.01
1333.98
3493.78
2868.05
0.01
10.50
1.07
15.28
219.83
170.56
55.44
232.30
191.77
125.77
1579.64
2684.12
1474.16
3011.46
201.60
530.37
38.44
165.65
842.45
571.12
541.51
669.73
611.27
250.59
2378.01
6604.90
2536.01
4860.54
6968.61 11419.71
3063.28 10104.03
2171.76
1534.07
6334.03 10197.84 16531.88
2960.01
3257.51
642.43
qbS> nr{_`_
qgJb nhbm df aoZrdb
Hw$b
ao`wba
ZmZ-qbS> nr{_`_
qgJb nhbm df aoZrdb
(nr{_`_ H$amoS>
Hw$b
_|)
{ddaU 10
162.74
233.20
35.62
138.06
602.87
233.72
306.67
398.96
261.80
41.95
698.14
3323.31
757.86
1208.31
2952.65
3820.70
1093.95
1014.41
5960.48
2887.42
2476.44
311.88
201.59
470.87
37.00
141.57
614.78
343.70
315.41
402.77
374.62
84.24
752.18
3588.88
788.34
1289.86
3748.84
4356.00
1113.37
1202.03
6073.63
2928.34
2692.44
318.74
5443.18
5773.63
1050.75
6800.60
2656.95
2618.06
0.01
10.12
1.04
13.73
219.65
120.70
35.43
228.36
168.88
77.44
1570.66
2567.85
1282.61
2107.71
201.60
480.99
38.05
155.30
834.42
464.40
350.84
631.13
543.51
161.68
2322.84
6156.72
2070.95
3397.56
6536.42 10285.27
2444.60
1543.58
1416.02
9746.75 15820.38
2514.84
3081.19
732.00
5608.61
0.00
22.04
0.38
8.36
1.30
51.81
170.26
6.13
7.20
40.59
46.14
306.84
229.45
439.16
618.70
2461.12
179.67
69.36
98.03
29.85
507.45
314.79
924.31
0.00
26.96
0.00
0.45
6.54
5.04
0.41
28.53
37.68
0.00
0.06
25.06
44.06
120.06
83.56
223.63
28.97
62.59
162.37
1.82
57.61
8.90
6532.93
0.00
49.00
0.38
8.80
7.84
56.85
170.67
34.66
44.88
40.59
46.20
331.90
273.51
559.22
702.26
2684.75
208.64
131.95
260.40
31.67
565.06
323.69
0.00
49.38
0.40
10.36
8.03
106.72
190.68
38.60
67.76
88.91
55.18
448.17
465.06
1462.98
1134.45
3303.43
836.83
249.99
711.50
62.47
1231.47
591.90
4581.33 11114.26
0.00
0.38
0.02
1.55
0.19
49.87
20.01
3.94
22.89
48.33
8.98
116.27
191.55
903.76
432.19
618.68
628.19
118.04
451.09
30.80
666.41
268.21
60714.23 49179.79 109894.02 155556.35 265450.37 33761.61 26163.84 59925.45 55595.51 115520.96 26952.62 23015.95 49968.57 99960.84 149929.42
2918.06 31839.19 36419.61 68258.80
38.85
237.67
1.38
3.50
11.91
109.98
8.74
3.82
112.82
42.29
54.04
265.57
30.48
81.54
796.19
535.30
19.42
187.63
113.15
40.92
216.00
6.87
4840.47 23245.78 28086.26 19175.90 47262.15 21344.01 22091.64 43435.65 95379.51 138815.16
ao`wba
3842.37 38372.12 41000.94 79373.06 28921.13
273.62
2983.89
34529.75
15.77
626.66
26184.48 45337.42 71521.90 114555.41 186077.31
ao`wba
Hw$b r{_`_
qgJb nhbm df aoZrdb
qbS> Ed ZmZ qbS> r{_`_ - OrdZ ~r_m -2009-10
dm{fH$ [anmoQ>
2009-10
EbAmBgr
AmBEZOr do`m
EMS>rE\$gr Q>S>S>
{~abm gZ bmB\$
AmBgrAmBgr y.
H$moQ>H$ _{hXm
Q>mQ>m EAmBOr
Eg~rAmB bmB\$
~OmO AbmÒ
_mg `y `moH$
_oQ>bmB\$
[abm`g
A{ddm
ghmam
lram_
^maVr Egm bmB\$
`yMa OZabr
AmBS>r~rAmB \o$S>b
Ho$Zam EMEg~rgr
EoJmoZ aobrJoà
S>rEbE\$ m_o[aH$m
Q>ma `y{Z`Z
{ZOr Hw$b
CmoJ Hw$b
~r_mH$Vm
Hw$b
103
135.71
17.25
5.33
132.57
7.58
2.30
0.00
18.51
178.76
275.68
144.63
184.21
288.83
28.91
3.37
31.69
50.19
3.37
31.21
296.41
316.78
149.97
292.93
314.47
134.01
724.56
3513.98
1144.70
1842.91
4491.43
5386.64
1142.67
1343.03
6811.83
2820.85
2651.11
688.95
4571.80
5564.69
1442.28
7212.10
2747.50
2343.19
0.00
0.00
0.00
0.00
2.20
2.64
67.48
121.70
72.45
1268.31
1418.56
851.94
2014.35
50.19
3.37
31.21
296.41
318.97
152.60
360.41
436.17
206.47
1992.87
4932.54
1996.64
3857.26
6133.09 10624.52
1825.46
1604.83
1000.17
8544.39 15356.22
1750.95
2913.58
753.33
qbS> nr{_`_
qgJb nhbm df aoZrdb
Hw$b
ao`wba
ZmZ-qbS> nr{_`_
qgJb nhbm df aoZrdb
(nr{_`_ H$amoS>
Hw$b
_o)
Omar {ddaU 10
30.10
3.24
26.59
288.57
183.49
102.90
228.01
172.72
54.70
669.42
2893.05
985.20
1296.16
3731.30
2736.21
919.91
1224.75
6162.70
2658.89
1996.62
504.10
44.75
3.24
27.20
296.15
287.34
107.62
229.66
308.05
106.33
693.95
3441.19
1027.86
1446.21
4197.07
3230.69
958.82
1243.46
6395.52
2699.56
2266.58
526.47
4422.89
4729.45
1051.08
0.00
0.00
0.00
0.00
1.28
0.00
61.60
100.49
39.18
1258.88
1319.32
701.47
1230.29
5789.33
1287.58
927.57
876.66
44.75
3.24
27.20
296.15
288.62
107.62
291.26
408.54
145.51
1952.83
4760.51
1729.33
2676.49
9986.40
4518.27
1886.39
2120.12
8107.79 14503.31
1723.32
2462.86
524.61
3794.41
1.59
0.13
2.32
0.26
0.72
41.73
47.67
6.03
27.68
9.19
179.08
81.22
297.55
281.08
1828.69
150.31
62.65
182.62
105.07
339.74
149.07
819.86
3.86
0.00
1.69
0.00
28.71
0.61
15.60
0.39
0.00
21.42
(106.29)
35.62
99.15
13.28
327.26
33.54
36.92
233.69
16.22
44.78
13.41
4614.26
5.44
0.13
4.01
0.26
29.43
42.35
63.27
6.42
27.68
30.61
72.79
116.84
396.70
294.36
2155.95
183.85
99.56
416.31
121.29
384.53
162.49
3933.21
0.00
0.00
0.00
0.00
0.92
2.64
5.88
21.21
33.27
9.43
99.24
150.48
784.06
343.76
537.88
677.26
123.51
436.60
27.63
450.72
228.72
8547.47
5.44
0.13
4.01
0.26
30.35
44.99
69.15
27.64
60.95
40.04
172.03
267.32
1180.77
638.12
2693.83
861.11
223.07
852.91
148.92
835.24
391.21
49803.65 37527.43 87331.09 134454.39 221785.47 31327.85 13332.46 44660.31 45986.75 90647.06 18475.80 24194.97 42670.77 88467.64 131138.41
2669.11 29537.74 26412.22 55949.96
14.65
0.00
0.62
7.58
103.85
4.72
1.65
135.32
51.63
24.53
548.14
42.67
150.04
465.77
494.49
38.91
18.71
232.82
40.67
269.97
22.36
4459.22 10663.35 15122.57 19574.53 34697.10 14681.40 23375.11 38056.51 84534.43 122590.94
ao`wba
3488.97 34152.01 30345.43 64497.44 26868.63
51.63
82.38
30663.04
45.95
479.04
4012.39
678.61
821.75
4564.89
441.85
72.45
1070.22
3072.13
55.63
1287.39
78.28
466.51
6345.32
1066.42
56.89
2763.96
249.19
314.75
2336.36
1593.72
35.78
653.18
19140.61 34038.47 53179.08 104108.96 157288.04
ao`wba
Hw$b r{_`_
qgJb nhbm df aoZrdb
qbS> Ed ZmZ qbS> r{_`_ - OrdZ ~r_m -2009-10
dm{fH$ [anmoQ>
2009-10
EbAmBgr
AmBEZOr do`m
EMS>rE\$gr Q>S>S>
{~abm gZ bmB\$
AmBgrAmBgr y.
H$moQ>H$ _{hXm
Q>mQ>m EAmBOr
Eg~rAmB bmB\$
~OmO AbmÒ
_mg `y `moH$
_oQ>bmB\$
[abm`g
A{ddm
ghmam
lram_
^maVr Egm bmB\$
`yMa OZabr
AmBS>r~rAmB \o$S>b
Ho$Zam EMEg~rgr
EoJmoZ aobrJoà
S>rEbE\$ m_o[aH$m
Q>ma `y{Z`Z
BpS>`m \$Q>
{ZOr Hw$b
CmoJ Hw$b
~r_mH$Vm
3.13
5.47
5.84
9.38
3.55
6.14
8.68
9.12
7.81
8.05
11.20
8.81
6.52
7.93
11.47
9.87
20.53
4.89
24.34
7.55
11.14
7.03
7.22
7.30
5.59
H$_reZ
1481.14
57.46
337.33
510.61
561.91
160.83
230.69
620.13
803.43
273.42
231.96
542.50
151.38
12.83
62.35
62.32
72.02
22.73
203.10
11.73
4.24
33.82
14.56
4981.34
6462.48
12.23 10629.17
47.58
63.30
64.19 188.17
98.92
5.59
93.19
41.06
95.78
7.09
82.14
50.16
81.78 138.12
83.47 159.13
64.91 147.79
79.30
60.55
86.41
85.36
95.63
6.91
54.16
10.86
93.78
4.14
98.20
1.14
55.63
57.44
51.43
21.46
99.87
0.26
94.87
0.63
98.86
0.05
86.09
5.46
100.00
0.00
82.53 1054.65
35.61 11683.83
`y{bn
% `y{bn % Hw$b
r{``_ H$_reZ H$_reZ
Ho$ {bò Ho${bò
7.66
10.69
15.28
8.94
5.77
2.84
5.99
4.18
14.03
10.10
13.02
19.05
12.53
12.21
6.11
2.95
30.12
20.11
3.27
6.12
12.28
11.06
0.00
9.49
7.79
Hw$b
Hw$b
H$_reZ
H$_reZ
6.51 12110.31 1356.03

7.35 120.76
74.26
7.50 525.50 290.58
9.38 516.20 478.32
3.65 602.97 638.45
5.85 167.92 214.53
8.04 280.85 193.40
7.50 758.25 419.85
8.43 962.57 971.98
8.67 421.21 275.35
11.53 292.51 321.03
9.51 627.85 580.35
6.66 158.29 150.54
9.45
23.68
13.06
10.88
66.49
53.00
9.47
63.46
37.34
23.91 129.45
13.16
7.74
44.19
14.57
24.14 203.37 105.59
7.46
12.36
2.03
11.15
4.29
0.08
7.41
39.28
6.47
14.56
7.60 6036.00 4853.93
6.84 18146.31 6209.96
Q>o{S>Zb
% Q>{ S>Zb % Hw$b
r{_`_ H$_reZ
Ho$ {bò
Ho${bò
r{_`_
2009-10
13.52 8677.21
67.28
36.12
68.39 134.31
99.28
3.47
91.21
61.54
95.16
10.91
80.66
46.38
89.73
48.03
92.43
79.57
70.32 116.23
91.84
28.53
97.23
16.56
99.06
1.42
54.05
11.10
94.67
2.98
96.41
1.39
59.69
8.89
94.32
0.88
99.95
0.05
92.49
0.16
95.22
0.00
95.76
0.29
88.86 608.80
40.07 9286.02
8.67
6.85
{ddaU 11
104
8.47
6.99
6.38
7.65
7.64
10.54
4.56
9.62
8.73
6.49
9.90
10.15
17.51
12.10
7.63
11.70
12.84
10.75
14.44
4.84
35.64
7.02
2.48
13.47
7.16 5462.74
7.08 15495.98
7.08 10033.24
9.23 110.38
16.08 424.89
2.33 481.79
7.21 699.99
4.89 225.43
5.39 239.78
1.78 467.88
12.47 1051.55
9.84 391.58
10.67 349.56
9.63 596.91
3.56 151.96
18.21
24.15
10.79
55.99
6.59
38.73
19.75
22.04
2.89
15.45
20.66 105.65
4.11
2.19
3.16
0.08
5.27
6.76
Hw$b
Hw$b
H$_reZ
(H$_reZ ` H$amoS> _|)

Q>o{S>Zb
H$_reZ % Q>{ S>Zb % H$b
r{_`_ H$_reZ
Ho$ {bò Ho${bò
r{_`_
3.91
7.06
6.14
10.81
4.40
10.12
10.25
9.29
9.73
10.29
18.56
12.19
7.71
8.97
12.97
11.00
12.23
5.05
35.65
7.45
2.45
14.47
`y{bn
`y{bn
% Hw$b
r{``_ H$_reZ
Ho$ {bò
Ho${bò
2008-09
qbS> Ed ZmZ qbS> H$_reZ - OrdZ ~r_m -2009-10
dm{fH$ [anmoQ>
2009-10
(bm^ am{e ` H$amoS> _|)
105
25
216
AmBS>r~rAmB \o$S>b
BpS>`m \$Q>
AmBEZOr do`m
4.75
0.00
0.55
16.90
8.16
0.06
0.00
0.46
0.77
0.17
14.21
2.36
0.10
1710
13
185
15171
3627
449
10
85
5907
487
22516
1749
48
24.93
0.17
8.13
231.62
71.59
11.67
0.70
4.29
129.44
10.90
338.90
29.35
2.48
1926
(100.00)
13
(100.00)
210
(100.00)
16057
(100.00)
3837
(100.00)
453
(100.00)
10
(100.00)
93
(100.00)
5921
(100.00)
491
(100.00)
23040
(100.00)
1877
(100.00)
50
(100.00)
ZmoQ>: H$mo>H$ _o {Xò Jò AmH$S>| gX{^V Hw$b {VeV H$mo XemVo h &
886
AmBgrAmBgr y.
`yMa OZabr
210
S>rEbE\$ m_o[aH$m
EMS>rE\$gr Q>S>S>
14
{~abm gZ bmB\$
Ho$Zam EMEg~rgr
524
~OmO AbmÒ
^maVr Egm bmB\$
128
29.68
(100.00)
0
(100.00)
8.68
(100.00)
248.52
(100.00)
79.75
(100.00)
11.73
(100.00)
0.70
(100.00)
4.75
(100.00)
130.21
(100.00)
11.06
(100.00)
353.11
(100.00)
31.71
(100.00)
2.58
(100.00)
1720
(89.30)
7
(53.85)
104
(49.52)
14479
(90.17)
3497
(91.14)
176
(38.85)
4
(40.00)
36
(38.71)
5275
(89.09)
382
(77.80)
20316
(88.18)
1635
(87.11)
24
(48.00)
24.91
(83.94)
0.07
(39.54)
2.70
(31.08)
218.04
(87.74)
66.58
(83.49)
3.61
(30.78)
0.48
(68.35)
1.15
(24.15)
102.76
(78.92)
7.57
(68.45)
294.92
(83.52)
25.37
(80.01)
1.08
(41.75)
82
(4.26)
1
(7.69)
50
(23.81)
525
(3.27)
179
(4.67)
133
(29.36)
1
(10.00)
15
(16.13)
629
(10.62)
109
(22.20)
1197
(5.20)
183
(9.75)
22
(44.00)
1.58
(5.33)
0.01
(5.77)
1.61
(18.58)
10.98
(4.42)
5.89
(7.38)
4.05
(34.53)
0.01
(1.08)
0.48
(10.12)
26.46
(20.32)
3.49
(31.58)
25.79
(7.30)
4.57
(14.41)
1.13
43.69
12
(0.62)
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
3
(0.05)
0
0.00
0
0.00
0
0.00
0
0.00
0.30
(1.01)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.32
(0.24)
0.00
0.00
0.00
0.00
0.00
0.00
0
0.00
112
(5.82)
5
(38.46)
56
(26.67)
1053
(6.56)
161
(4.20)
144
(31.79)
5
(50.00)
42
(45.16)
14
(0.24)
0
0.00
1527
(6.63)
59
(3.14)
4
(8.00)
2.88
(9.72)
0.09
(54.70)
4.37
(50.35)
19.50
(7.85)
7.28
(9.13)
4.07
(34.70)
0.21
(30.57)
3.12
(65.73)
0.67
(0.52)
0.00
(-0.04)
32.39
(9.17)
1.77
(5.58)
0.38
(14.56)
85
(75.89)
5
100.00
46
(82.14)
540
(51.28)
116
(72.05)
104
(72.22)
4
(80.00)
31
(73.81)
1
(7.14)
0
-
1097
(71.84)
31
(52.54)
3
(75.00)
19
(16.96)
0
0.00
6
(10.71)
164
(15.57)
19
(11.80)
33
(22.92)
1
(20.00)
5
(11.90)
0
0.00
0
-
234
(15.32)
2
(3.39)
0.00
6
(5.36)
0
0.00
4
(7.14)
136
(12.92)
13
(8.07)
7
(4.86)
0
0.00
5
(11.90)
3
(21.43)
0
-
116
(7.60)
13
(22.03)
1
(25.00)
2
(1.79)
0
0.00
0
0.00
213
(20.23)
13
(8.07)
0
0.00
0
0.00
1
(2.38)
10
(71.43)
0
-
80
(5.24)
13
(22.03)
0.00
112
(100.00)
5
(100.00)
56
(100.00)
1053
(100.00)
161
(100.00)
144
(100.00)
5
(100.00)
42
(100.00)
14
(100.00)
0
-
1527
(100.00)
59
100.00
4
100.00
df Ho$ ew go
gy{MV/~wH$ {H$ò Jò Xmdo
Hw$b Xmdo
Xm Xmdo
I{S>V {H$ò Jò Xmdo
bmQ>mò Jò Xmdo
df Ho$ AV _| {dYmamYrZ {dMmaYrZ Xmdm| H$m AbJAbJ {ddaU-Ad{Y Ho$ AZwgma
nm{b{g`m|
{hV nm{b{g`m|
{hV nm{b{g`m|
{hV nm{b{g`m|
{hV nm{b{g`m|
{hV nm{b{g`m|
{hV nm{b{g`m|
{hV
<3
3-<6
6-<1
>1
Hw$b
H$s g`m
amer H$s g`m
amer H$s g`m
amer H$s g`m
amer H$s g`m
amer H$s g`m
amer H$s g`m
amer
_hrZo
_hrZo
gmb
gmb
A{ddm
EoJmoZ aobrJoà
OrdZ ~r_mH$Vm
`{$JV _`w Xmdo
{ddaU 12
dm{fH$ [anmoQ>
2009-10
Omar {ddaU 12
106
187
ghmam
298
3839
13076
16915
Q>mQ>m EAmBOr
{ZOr Hw$b
EbAmBgr
CmoJ Hw$b
242.84
148.53
94.31
10.71
0.00
3.61
8.08
1.82
7.14
7.40
1.82
5.25
745520
664298
81222
3197
60
879
6877
544
8467
1207
5932
2102
6298.20
4900.90
1397.30
64.85
0.91
13.81
95.27
5.28
96.33
69.23
124.73
62.72
762435
(100.00)
677374
(100.00)
85061
(100.00)
3495
(100.00)
60
(100.00)
1166
(100.00)
7232
(100.00)
731
(100.00)
8754
(100.00)
1346
(100.00)
6019
(100.00)
2280
(100.00)
Q>ma `y{Z`Z
287
287
[abm`g
lram_
139
_oQ>bmB\$
355
87
_g `y `mH$
Eg~rAmB bmB\$
178
6541.04
(100.00)
5049.43
(100.00)
1491.61
(100.00)
75.56
(100.00)
0.91
(100.00)
17.42
(100.00)
103.35
(100.00)
7.10
(100.00)
103.47
(100.00)
76.62
(100.00)
126.55
(100.00)
67.97
(100.00)
726109
(95.24)
653909
(96.54)
72200
(84.88)
2732
(78.17)
35
(58.33)
461
(39.54)
6022
(83.27)
461
(63.06)
7797
(89.07)
1111
(82.54)
3943
(65.51)
1983
(86.97)
5958.13
(91.09)
4799.55
(95.05)
1158.58
(77.67)
52.00
(68.82)
0.61
(67.03)
5.47
(31.40)
92.44
(89.44)
4.73
(66.55)
79.61
(76.94)
40.50
(52.86)
78.07
(61.69)
55.91
(82.27)
14693
(1.93)
8227
(1.21)
6466
(7.60)
452
(12.93)
3
(5.00)
230
(19.73)
1067
(14.75)
50
(6.84)
617
(7.05)
80
(5.94)
741
(12.31)
100
(4.39)
244.77
(3.74)
80.36
(1.59)
164.41
(11.02)
12.03
(15.92)
0.00
0.00
4.10
(23.53)
5.93
(5.74)
0.25
(3.49)
15.80
(15.27)
18.48
(24.12)
18.16
(14.35)
3.61
(5.31)
5741
(0.75)
5711
(0.84)
30
(0.04)
5
(0.14)
0
0.00
0
0.00
1
(0.01)
0
0.00
6
(0.07)
3
(0.22)
0
0.00
0
0.00
51.83
(0.79)
51.07
(1.01)
0.76
(0.05)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.04
(0.04)
0.10
(0.13)
0.00
0.00
0.00
0.00
15892
(2.08)
9527
(1.41)
6365
(7.48)
306
(8.76)
22
(36.67)
475
(40.74)
142
(1.96)
220
(30.10)
334
(3.82)
152
(11.29)
1335
(22.18)
197
(8.64)
286.31
(4.38)
118.45
(2.35)
167.86
(11.25)
11.53
(15.26)
0.30
(32.97)
7.85
(45.06)
4.98
(4.82)
2.13
(29.96)
8.02
(7.75)
17.54
(22.90)
30.32
(23.96)
8.45
(12.43)
7871
(49.53)
3501
(36.75)
4370
(68.66)
268
(87.58)
22
(100.00)
250
(52.63)
126
(88.73)
120
(54.55)
118
(35.33)
138
(90.79)
1108
(83.00)
157
(79.70)
3203
(20.15)
2282
(23.95)
921
(14.47)
34
(11.11)
0
0.00
115
(24.21)
3
(2.11)
36
(16.36)
3
(0.90)
13
(8.55)
214
(16.03)
20
(10.15)
2638
(16.60)
2148
(22.55)
490
(7.70)
2
(0.65)
0
0.00
85
(17.89)
3
(2.11)
27
(12.27)
48
(14.37)
0
0.00
13
(0.97)
8
(4.06)
2180
(13.72)
1596
(16.75)
584
(9.18)
2
(0.65)
0
0.00
25
(5.26)
10
(7.04)
37
(16.82)
165
(49.40)
1
(0.66)
0
0.00
12
(6.09)
15892
(100.00)
9527
(100.00)
6365
(100.00)
306
(100.00)
22
(100.00)
475
(100.00)
142
(100.00)
220
(100.00)
334
(100.00)
152
(100.00)
1335
(100.00)
197
(100.00)
df Ho$ ew go
Hw$b Xmdo
Xm Xmdo
bmQ>mò Jò Xmdo
nm{b{g`m|
{hV nm{b{g`m|
{hV nm{b{g`m|
{hV nm{b{g`m|
{hV nm{b{g`m|
{hV nm{b{g`m|
{hV nm{b{g`m|
{hV
<3
3-<6
6-<1
>1
Hw$b
H$s g`m
am{e H$s g`m
am{e H$s g`m
am{e H$s g`m
am{e H$s g`m
am{e H$s g`m
am{e H$s g`m
am{e
_hrZo
_hrZo
gmb
gmb
H$moQ>H$ _{hXm
OrdZ ~r_mH$Vm
`{$JV _`w Xmdo
dm{fH$ [anmoQ>
2009-10
0.00
0.01
3.97
0.00
0.00
955
A{ddm
^maVr Egm bmB\$
{~abm gZ bmB\$
107
0.00
2.63
0.12
2.74
0.00
0.00
0.34
54
48
33
S>rEbE\$ m_o[aH$m
`yMa OZabr
EMS>rE\$gr Q>S>S>
AmBgrAmBgr y.
AmBS>r~rAmB \o$S>b
BpS>`m \$Q>
AmBEZOr do`m
213
49
1959
286
2259
911
26
38432
4572
3.55
0.00
0.04
35.61
2.36
16.74
0.00
0.00
11.31
0.57
64.33
11.57
0.00
0.00
0.00
0.00
0.00
1863
(92.83)
286
(99.31)
2236
(96.67)
0
0.00
0
0.00
900
(98.79)
19
(73.08)
38988
(98.99)
4550
(99.37)
33.34
(86.94)
2.36
(95.17)
17.20
(88.80)
0.00
0.00
0.00
0.00
11.06
(97.75)
0.53
(93.95)
66.05
(96.70)
11.53
(99.59)
0.00
0.00
0.00
0.00
246
3.89
(100.00) (100.00)
0
0.00
230
(93.50)
0
0.00
3.46
(88.91)
0.00
0.00
49
0.04
49
0.04
(100.00) (100.00) (100.00) (100.00)
2007
38.35
(100.00) (100.00)
288
2.48
(100.00) (100.00)
2313
19.37
(100.00) (100.00)
0
0.00
0
0.00
911
11.31
(100.00) (100.00)
26
0.57
(100.00) (100.00)
39387
68.30
(100.00) (100.00)
4579
11.58
(100.00) (100.00)
1
0.00
1
(100.00) (100.00) (100.00)
ZmoQ>: H$mo>H$ _o {Xò Jò AmH$S>| gX{^V Hw$b H$mo {VeV XemVo h &
0.00
Ho$Zam EMEg~rgr
~OmO AbmÒ
{ddaU 13
7
(2.85)
0
0.00
0
0.00
92
(4.58)
1
(0.35)
10
(0.43)
0
0.00
0
0.00
11
(1.21)
7
(26.92)
26
(0.07)
25
(0.55)
0
0.00
0.17
(4.29)
0.00
0.00
0.00
0.00
1.99
(5.20)
0.02
(0.81)
0.43
(2.22)
0.00
0.00
0.00
0.00
0.25
(2.21)
0.03
(6.05)
0.20
(0.29)
0.03
(0.28)
0.00
0.00
1
(0.41)
0
0.00
0
0.00
11
(0.55)
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0.00
(0.02)
0.00
0.00
0.00
0.00
0.74
(1.93)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0
0.00
8
(3.25)
0
0.00
0
0.00
41
(2.04)
1
(0.35)
67
(2.90)
0
0.00
0
0.00
0
0.00
0
0.00
373
(0.95)
4
(0.09)
0
0.00
0.26
(6.78)
0.00
0.00
0.00
0.00
2.27
(5.93)
0.10
(4.03)
1.74
(8.98)
0.00
0.00
0.00
0.00
0.00
(0.04)
0.00
0.00
2.06
(3.02)
5
(62.50)
0
0.00
0
0.00
26
(63.41)
0
0.00
22
(32.84)
0
0.00
0
0.00
0
0.00
0
0.00
117
(31.37)
0.02
4
(0.14) (100.00)
0
0.00
0.00 (100.00)
2
(25.00)
0
0.00
0
0.00
9
(21.95)
0
0.00
10
(14.93)
0
0.00
0
0.00
0
0.00
0
0.00
88
(23.59)
0
0.00
0
0.00
18
(26.87)
0
0.00
0
0.00
0
0.00
0
0.00
55
(14.75)
0
0.00
0
0.00
67
(100.00)
0
0.00
0
0.00
0
0.00
0
0.00
373
(100.00)
4
(100.00)
0
0.00
0
0.00
0
0.00
0
0.00
3
(7.32)
1
(12.50)
0
0.00
0
0.00
3
(7.32)
8
(100.00)
0
0.00
0
0.00
41
(100.00)
0
1
1
0.00 (100.00) (100.00 )
17
(25.37)
0
0.00
0
0.00
0
0.00
0
0.00
113
(30.29)
0
0.00
0
0.00
df Ho$ ew go
Hw$b Xmdo
Xm Xmdo
bmQ>mò Jò Xmdo
df Ho$ AV _| {dMmamYrZ {dMmaYrZ Xmdm| H$m AbJAbJ {ddaU-Ad{Y Ho$ AZwgma
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
<3
3-<6
6-<1
>1
Hw$b
H$s g`m
am{e H$s g`m
am{e H$s g`m
am{e H$s g`m
am{e H$s g`m
am{e H$s g`m
am{e H$s g`m
am{e
_hrZo
_hrZo
gmb
gmb
EoJmoZ aobrJoà
OrdZ ~r_mH$Vm
Jwn _`w Xmdo
dm{fH$ [anmoQ>
2009-10
2.19
0.08
1.14
0.91
0.00
72
10
39
44
_mg `y `mH$
_oQ>bmB\$
[abm`g
ghmam
108
1869
(97.80)
954
(91.82)
10421
(90.71)
1157
(91.46)
25.59
(96.84)
25.82
(93.37)
19.87
(86.77)
35.62
(89.64)
2.41
26.16
3.34 215384 1198.75 215909 1202.09 215485 1195.28

(100.00) (100.00) (99.80) (99.43)
29.50 307003 1649.27 309151 1678.77 305739 1634.36

(100.00) (100.00) (98.90) (97.36)
98
1623
525
2148
{ZOr Hw$b
EbAmBgr
CmoJ Hw$b
450.52
15.45
93242 476.67
(100.00) (100.00)
985
17.86
(100.00) (100.00)
90254
(96.80)
809
(82.13)
439.08
(92.12)
13.96
(78.20)
16
0.41
16
0.41
(100.00) (100.00) (100.00) (100.00)
ZmoQ>: H$mo>H$ _o {Xò Jò AmH$S>| gX{^V Hw$b H$mo {VeV XemVo h &
91619
887
0.41
1.89
(89.57)
Q>mQ>m EAmBOr
16
82
(87.23)
0.00
94
2.11
(100.00) (100.00)
2.11
Q>ma `y{Z`Z
94
170.32
(92.74)
0.00
25817
(96.95)
26630 183.65
(100.00) (100.00)
7
0.03
7
0.03
(100.00) (100.00) (100.00) (100.00)
1911
26.42
(100.00) (100.00)
1039
27.66
(100.00) (100.00)
11488
22.90
(100.00) (100.00)
1265
39.74
(100.00) (100.00)
lram_
174.04
0.03
25.51
26.52
22.82
37.54
9.61
26369
1867
1000
11478
1193
261
Eg~rAmB bmB\
1520
(0.49)
21
(0.01)
1499
(1.61)
80
(8.12)
0
0.00
0
0.00
779
(2.93)
0
0.00
6
(0.31)
25
(2.41)
420
(3.66)
10
(0.79)
20.92
(1.25)
0.28
(0.02)
20.64
(4.33)
1.68
(9.43)
0.00
0.00
0.00
0.00
12.17
(6.63)
0.00
0.00
0.16
(0.59)
0.91
(3.28)
1.37
(5.98)
1.23
(3.10)
20
(0.01)
0
0.00
20
(0.02)
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
2
(0.10)
6
(0.58)
0
0.00
0
0.00
0.89
(0.05)
0.00
0.00
0.89
(0.19)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.01
(0.02)
0.14
(0.52)
0.00
0.00
0.00
0.00
1872
(0.61)
403
(0.19)
1469
(1.58)
96
(9.75)
0
0.00
12
(12.77)
34
(0.13)
0
0.00
34
(1.78)
54
(5.20)
647
(5.63)
98
(7.75)
22.59
(1.35)
6.53
(0.54)
16.06
(3.37)
2.21
(12.38)
0.00
0.00
0.22
(10.43)
1.16
(0.63)
0.00
0.00
0.67
(2.55)
0.78
(2.83)
1.66
(7.25)
2.88
(7.26)
1236
(66.03)
193
(47.89)
1043
(71.00)
62
(64.58)
0
0.00
12
100.00
20
(58.82)
0
0.00
9
(26.47)
46
(85.19)
634
(97.99)
86
(87.76)
247
(13.19)
83
(20.60)
164
(11.16)
26
(27.08)
0
0.00
0
0.00
1
(2.94)
0
0.00
0
0.00
8
(14.81)
13
(2.01)
7
(7.14)
211
(11.27)
65
(16.13)
146
(9.94)
6
(6.25)
0
0.00
0
0.00
4
(11.76)
0
0.00
1
(2.94)
0
0.00
0
0.00
2
(2.04)
178
(9.51)
62
(15.38)
116
(7.90)
2
(2.08)
0
0.00
0
0.00
9
(26.47)
0
0.00
24
(70.59)
0
0.00
0
0.00
3
(3.06)
1872
(100.00)
403
(100.00)
1469
(100.00)
96
(100.00)
0
0.00
12
100.00
34
(100.00)
0
0.00
34
(100.00)
54
(100.00)
647
(100.00)
98
(100.00)
df Ho$ ew go
gw{MV/~wH$ {H$ò Jò Xmdo
Hw$b Xmdo
Xm Xmdo
bmQ>mò Jò Xmdo
df Ho$ AV _| {dMmamYrZ {dMmaYrZ Xmdm| H$m AbJAbJ {ddaU-Ad{Y Ho$ AZwgma
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
<3
3-<6
6-<1
>1
Hw$b
H$s g`m
am{e H$s g`m
am{e H$s g`m
am{e H$s g`m
am{e H$s g`m
am{e H$s g`m
am{e H$s g`m
am{e
_hrZo
_hrZo
gmb
gmb
H$moQ>H$ _{hXm
OrdZ ~r_mH$Vm
Jwn _`w Xmdo
Omar {ddaU 13
dm{fH$ [anmoQ>
2009-10
EoJmoZ aobrJoà
A{ddm
~OmO AbmÒ
^maVr Egm bmB\$
{~abm gZ bmB\$
Ho$Zam EMEg~rgr
S>rEbE\$ m_o[aH$m
`yMa OZabr
EMS>rE\$gr Q>S>S>
AmBgrAmBgr y.
AmBS>r~rAmB \o$S>b
BpS>`m \$Q>
AmBEZOr do`m
H$moQ>H$ _{hXm
_mg `y `mH$
_oQ>bmB\$
[abm`g
ghmam
Eg~rAmB bmB\
lram_
Q>ma `y{Z`Z
Q>mQ>m EAmBOr
{ZOr Hw$b
EbAmBgr
CmoJ Hw$b
OrdZ ~r_mH$Vm
10
115
9524
147
577
19
2
78
1062
2231
28
0
543
431
1632
444
681
146
1443
168
18
935
20234
95463
115697
11
1474
7567
156
4676
10
2
38
1977
10740
59
7
862
1078
1293
393
6979
12
4205
123
1
1705
43368
457655
501023
0.53
21.83
93.22
1.59
71.75
0.22
0.00
0.47
26.95
165.25
1.44
0.07
10.01
32.23
19.19
9.66
62.68
0.08
54.45
1.32
0.02
26.09
599.04
3345.12
3944.16
H$s g`m
nmb{g`m|
gyMZm Ho$ 30 {XZm| Ho$ AXa

nmb{g`m|
[hV
H$s g`m
am{e
0.20
2.50
143.85
3.73
29.25
0.72
0.47
1.85
20.59
28.01
0.88
0.00
9.25
10.30
35.55
20.42
12.85
1.31
28.51
1.99
0.43
19.87
372.52
707.60
1080.12
[hV
am{e
31 go 90 {XZ
2
23
2964
69
16
6
0
54
314
1016
17
0
234
465
943
220
72
171
294
143
15
92
7130
60148
67278
0.30
0.43
50.87
1.94
1.62
0.17
0.00
1.08
14.43
15.56
0.38
0.00
4.07
13.25
20.84
8.12
2.37
1.78
7.05
1.85
0.16
6.04
152.31
445.83
598.14
1
13
215
9
5
1
0
6
115
462
0
0
72
3
75
52
58
103
45
18
1
0
1254
35203
36457
0.05
0.24
5.88
0.31
0.14
0.05
0.00
0.21
3.28
8.34
0.00
0.00
1.48
0.05
2.48
2.26
1.56
1.23
1.41
0.17
0.01
0.00
29.14
260.93
290.07
Ad{Y
91 go 180 {XZ
181 go 1 df
nmb{g`m|
[hV
nmb{g`m|
[hV
H$s g`m
am{e
H$s g`m
am{e
g_`mZwgma _`w Xmdm| H$m {ZnQ>mam - `{$JV dJ
0
10
46
1
1
0
0
0
29
30
0
0
9
6
0
2
7
29
35
9
0
0
214
5440
5654
H$s g`m
0.00
0.37
1.10
0.01
0.01
0.00
0.00
0.00
1.33
0.87
0.00
0.00
0.11
0.09
0.00
0.04
0.15
0.33
1.02
0.14
0.00
0.00
5.57
40.07
45.64
[hV
am{e
1 df Ho$ `mXm
nmb{g`m|
24
1635
20316
382
5275
36
4
176
3497
14479
104
7
1720
1983
3943
1111
7797
461
6022
461
35
2732
72200
653909
726109
1.07
25.37
294.92
7.57
102.76
1.15
0.48
3.61
66.58
218.04
2.70
0.07
24.91
55.91
78.07
40.50
79.61
4.73
92.44
5.47
0.61
52.00
1158.58
4799.55
5958.13
{ZnQ>mò Jò Hw$b Xmdo

[hV
H$s g`m
am{e
nmb{g`m|
{ddaU 14
dm{fH$ [anmoQ>
109
2009-10
EoJmoZ aobrJoà
A{ddm
~OmO AbmÒ
^maVr Egm bmB\$
{~abm gZ bmB\$
Ho$Zam EMEg~rgr
S>rEbE\$ m_o[aH$m
`yMa OZabr
EMS>rE\$gr Q>S>S>
AmBgrAmBgr y.
AmBS>r~rAmB \o$S>b
BpS>`m \$Q>
AmBEZOr do`m
H$moQ>H$ _{hXm
_mg `y `moH$
_oQ>bmB\$
[abm`g
ghmam
Eg~rAmB bmB\
lram_
Q>ma `y{Z`Z
Q>mQ>m EAmBOr
{ZOr Hw$b
EbAmBgr
CmoJ Hw$b
OrdZ ~r_mH$Vm
1
4466
33518
9
865
0
0
733
286
1693
49
0
130
728
9362
801
1820
1
24389
66
5
406
79328
215044
294372
0.00
11.10
51.65
0.12
10.45
0.00
0.00
4.88
2.36
26.51
0.04
0.00
2.00
25.05
17.82
23.28
23.76
0.00
135.74
1.56
0.04
4.94
341.29
1189.90
1531.19

OrdZ
[hV
H$s g`m
am{e
0
62
4545
10
34
0
0
1028
0
99
0
0
75
265
945
110
36
5
989
15
2
269
8489
202
8691
0.00
0.37
11.47
0.41
0.61
0.00
0.00
3.39
0.00
3.58
0.00
0.00
1.13
7.00
1.85
1.91
1.61
0.02
23.52
0.33
0.13
6.58
63.92
1.99
65.91
31 go 90 {XZ
OrdZ
[hV
H$s g`m
am{e
0
12
633
0
1
0
0
357
0
54
0
0
22
122
112
33
9
1
163
1
8
122
1650
85
1735
0.00
0.02
2.02
0.00
0.01
0.00
0.00
4.08
0.00
2.40
0.00
0.00
0.32
2.75
0.20
0.50
0.18
0.00
3.72
0.00
0.20
2.32
18.72
0.93
19.65
0
7
212
0
0
0
0
82
0
13
0
0
2
8
2
9
2
0
75
0
1
6
419
142
561
0.00
0.03
0.71
0.00
0.00
0.00
0.00
2.46
0.00
0.55
0.00
0.00
0.01
0.17
0.00
0.11
0.01
0.00
1.35
0.00
0.04
0.08
5.52
2.23
7.75
Ad{Y
91 go 180 {XZ
181 go 1 df
OrdZ
[hV
OrdZ
[hV
H$s g`m
am{e
H$s g`m
am{e
g_`mZwgma _`w Xmdm| H$m {ZnQ>mam - Jwn dJ
0
3
80
0
0
0
0
36
0
4
0
0
1
34
0
1
2
0
201
0
0
6
368
12
380
0.00
0.01
0.21
0.00
0.00
0.00
0.00
2.39
0.00
0.30
0.00
0.00
0.01
0.65
0.00
0.02
0.01
0.00
5.98
0.00
0.00
0.05
9.63
0.23
9.86
1 df Ho$ `mXm
OrdZ
[hV
H$s g`m
am{e
1
4550
38988
19
900
0
0
2236
286
1863
49
0
230
1157
10421
954
1869
7
25817
82
16
809
90254
215485
305739
0.00
11.53
66.05
0.53
11.06
0.00
0.00
17.20
2.36
33.34
0.04
0.00
3.46
35.62
19.87
25.82
25.59
0.03
170.32
1.89
0.41
13.96
439.08
1195.28
1634.36

OrdZ
[hV
H$s g`m
am{e
{ddaU 15
dm{fH$ [anmoQ>
110
2009-10
75.54
139.86
121.44
462.58
491.20
598.96
9.83
0.00
325.62
337.10
69.99
145.13
439.48
429.36
725.74
1193.44
121.25
119.96
95.26
139.19
128.87
149.09
0.00
6.58
63.64
73.11
16.68
29.89
14.86
10.11
35.17
43.18
0.00
61.59
15.50
15.47
0.00
51.50
0.00
0.00
9.37
9.34
0.00
0.00
2759.42
4015.44
88755.04 113773.47
1248.42
2042.86
1451.75
1683.17
1187.06
1797.86
443.02
758.78
1058.64
1533.89
471.54
574.08
1484.59
2040.46
928.58
1278.47
314.46
462.72
197.22
287.69
322.94
411.99
298.72
277.50
95.14
127.17
84.61
90.43
45.46
67.72
51.16
90.67
111.33
99.05
159.36
128.78
66.48
172.38
53.43
51.18
20.49
66.52
0.00
150.85
10094.38 14194.22
269091.17 308547.21
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_mg `y `moH$
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{~abm gZ bmB\$
Q>mQ>m EAmBOr
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`yMa OZabr
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EoJmoZ aobrJoà
BpS>`m \$Q>
Hw$b {ZOr jo (~r)
CmoJ Hw$b (E+~r)
496.61
504.84
526.27
211.37
473.20
230.57
663.98
510.40
207.90
138.43
171.97
116.99
71.04
40.02
24.04
47.38
40.81
72.71
27.59
17.36
14.41
0.00
4607.90
66673.33
62065.43
843.82
681.34
1326.27
765.19
368.68
575.69
688.31
761.85
1126.00
414.21
188.39
268.53
489.14
241.60
448.66
284.07
109.44
211.52
775.20
963.57
1542.24
1045.11
775.97
1062.53
316.58
103.38
119.98
169.44
311.12
281.46
262.98
128.72
174.99
99.62
135.50
113.01
98.47
45.72
68.92
70.16
44.57
41.18
29.06
23.19
27.88
73.69
170.91
76.56
59.74
17.94
58.20
37.78
62.57
47.68
70.46
27.21
69.52
28.14
5.29
5.87
23.67
10.03
7.83
38.69
0.00
101.41
6683.53
5176.99
7755.94
72439.15 153870.47 181260.81
65755.62 148693.48 173504.87

34.70
34.16
143.35
16.00
24.88
1.41
92.80
5.00
47.73
12.05
61.08
0.00
5.44
10.05
7.59
12.00
5.02
0.00
3.80
3.04
4.59
0.00
524.70
51260.39
50735.69
98.28
2536.60
4451.08
1.30
2480.87
3487.93
115.16
3109.73
4326.29
11.25
868.61
1452.77
23.68
2123.94
2832.47
1.52
882.95
1216.32
13.37
3644.43
4800.63
2.79
2945.69
4582.34
11.27
794.72
1030.52
9.13
754.08
886.92
117.31
813.57
1116.36
0.00
551.21
496.71
12.72
280.99
380.40
5.76
195.92
237.43
2.66
115.14
137.43
4.44
316.61
288.55
0.72
175.10
279.30
4.30
310.14
234.01
4.25
125.07
368.11
0.08
79.12
85.26
10.21
58.90
117.56
38.03
0.00
328.98
488.24 23163.39 33137.37
56592.18 629650.40 732612.82
56103.94 606487.01 699475.45
56103.94 606487.01 699475.45
85995.62 109758.03
50735.69
258996.79 294352.98
65755.62 148693.48 173504.87
85995.62 109758.03
258996.79 294352.98
EbAmBgr
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62065.43
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31-_mM-09 31-_mM-10 31-_mM-09 31-_mM-10 31-_mM-09 31-_mM-10 31-_mM-09 31-_mM-10 31-_mM-09 31-_mM-10 31-_mM-09 31-_mM-10
(` H$amoS> _|)
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111
2009-10
31-_mM-10
49563.18
49563.18
282.43
36.23
648.57
39.93
162.00
22.18
1824.85
202.79
44.48
0.00
117.23
0.64
0.50
0.03
0.00
0.06
15.38
5.70
6.90
0.00
0.00
0.00
3409.89
52973.07
44944.06
44944.06
250.30
33.53
349.13
38.49
151.65
23.08
979.30
54.11
24.50
0.00
60.69
0.00
0.51
0.00
0.00
0.02
9.17
0.00
0.03
0.00
0.00
0.00
1974.51
46918.58
EbAmBgr
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{~abm gZ bmB\$
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12.73
3.81
221.48
7.61
46.36
2.32
839.73
22.46
4.08
0.00
27.20
0.00
0.06
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
1187.84
18434.55
17246.71
17246.71
31-_mM-09
81.70
4.87
71.75
7.65
59.61
8.59
1126.22
45.28
5.02
0.00
52.14
0.37
0.06
0.00
0.00
0.01
6.87
0.00
3.15
0.00
0.00
0.00
1473.30
23224.35
21751.06
21751.06
31-_mM-10
312.31
11.35
396.51
56.69
166.45
14.72
2532.51
75.98
0.03
0.00
83.62
0.00
0.19
0.00
0.00
0.00
4.35
0.00
0.01
0.00
0.00
0.00
3654.72
48598.49
44943.78
44943.78
31-_mM-09
290.89
13.99
447.21
62.12
180.12
17.08
3737.58
190.23
18.17
0.00
180.24
0.23
0.36
0.00
0.00
0.03
5.32
0.64
11.05
0.00
0.00
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64725.79
59570.53
59570.53
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godm{Zd{m Ed gmYmaU dm{fH$s {Z{Y

EgOr Ed A`go`w{ZaQ>rO
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575.35
48.69
967.12
102.79
364.46
40.12
4351.53
152.55
28.61
0.00
171.51
0.00
0.76
0.00
0.00
0.03
13.52
0.00
0.04
0.00
0.00
0.00
6817.07
113951.62
107134.55
107134.55
31-_mM-09
655.02
55.09
1167.53
109.69
401.73
47.85
6688.65
438.30
67.67
0.00
349.61
1.24
0.92
0.03
0.00
0.10
27.57
6.34
21.10
0.00
0.00
0.00
10038.45
140923.21
130884.76
130884.76
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Hw$b (godm{Zd{m Ed gmYmaU

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2009-10
31-_mM-10
130274.06
130274.06
14402.53
5919.28
46900.16
12760.23
5602.53
5276.72
15891.14
26497.09
4416.25
11886.06
2671.61
5564.85
426.42
1089.98
714.08
762.92
273.96
1008.49
466.87
27.94
120.77
159.90
162839.78
293113.83
73501.31
73501.31
6658.35
2702.57
25956.16
7213.30
2255.16
2974.99
5325.57
12481.29
1660.26
4984.98
1336.89
3059.84
171.57
482.70
157.67
263.75
84.71
194.43
8.17
2.30
13.91
0.00
77988.58
151489.89
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525.79
332.31
2657.78
628.33
164.53
55.81
1118.46
1584.02
445.57
567.40
238.48
309.41
33.31
62.90
41.33
13.91
0.00
19.45
0.79
0.25
2.68
0.00
8802.49
21272.87
12470.38
12470.38
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902.83
658.66
4569.09
1415.61
549.20
169.13
1196.16
1917.53
436.16
879.00
532.44
473.71
48.23
94.14
78.22
51.10
26.32
67.95
17.87
2.87
11.25
13.59
14111.07
38504.78
24393.71
24393.71
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7184.14
3034.88
28613.94
7841.64
2419.69
3030.80
6,444.03
14065.31
2105.83
5552.38
1575.37
3369.25
204.87
545.60
199.00
277.66
84.71
213.88
8.96
2.55
16.58
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86791.07
172762.76
85971.69
85971.69
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15305.36
6577.94
51469.25
14175.84
6151.73
5445.85
17087.31
28414.62
4852.42
12765.06
3204.05
6038.56
474.65
1184.12
792.30
814.02
300.28
1076.44
484.74
30.81
132.02
173.49
176950.85
331618.62
154667.77
154667.77
31-_mM-10
Hw$b (`y{bn {Z{Y`m)
10296.09
5564.44
32690.79
8813.04
4908.09
3953.87
14439.99
17163.55
2929.16
6306.46
2560.44
3920.45
486.62
741.52
314.14
594.30
273.33
524.02
134.08
81.67
75.48
0.00
116771.54
916364.78
799593.24
799593.24
31-_mM-09
20411.47
10120.96
56963.07
15738.31
9385.93
6710.01
28576.58
33435.26
5950.60
13651.98
4670.02
6536.50
855.97
1421.58
929.73
1102.67
607.15
1316.79
873.95
116.07
249.58
502.47
220126.66
1205154.64
985027.98
985027.98
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113
2009-10
dm{fH$ [anmoQ>
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172.18
1968.00
511.68
1456.32
26.00
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1427.26
0.89
1428.14
370.78
1057.36
25.96
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1782.43
56.39
1838.82
478.09
1360.73
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510.29
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510.29
132.68
377.61
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1879.50
90.00
1969.50
512.07
1457.43
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1519.50
401.00
1920.50
499.33
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1000.00
260.00
740.00
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1019.15
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1019.15
264.98
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1580.00
194.79
1774.79
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150.71
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1162.33
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1164.65
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1491.80
397.00
1888.80
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232.00
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232.00
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125.00
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125.00
32.50
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668.43
462.92
1131.35
251.41
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468.50
233.50
702.00
179.01
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450.00
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450.00
117.00
333.00
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400.00
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500.00
130.00
370.00
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137.05
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221.30
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300.00
270.00
570.00
148.20
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150.00
100.00
250.00
65.00
185.00
26.00
200.00
200.00
52.00
148.00
26.00
18249.77
2765.22
21014.99
5053.98
15961.01
24.05
5.00
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5.00
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18254.77
2765.22
21019.99
5053.98
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dm{fH$ [anmoQ>
2009-10
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2009
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2009
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2009
2009
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2010
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1.93
2.14
1.93
2.07
2.66
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5.91
3.61
5.23
5.59
5.12
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2.62
2.35
2.53
2.59
2.68
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2.07
2.16
2.58
1.86
1.68
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2.44
1.94
1.96
1.75
2.11
Ho$Zam EMEg~rgr
5.74
4.45
3.26
3.89
2.58
S>rEbE\$ m_o[aH$m
1.71
1.53
1.59
1.74
1.67
`yMa OZabr
3.17
1.99
2.25
2.32
2.34
EMS>rE\$gr Q>S>S>
2.58
2.32
2.14
1.95
1.80
AmBgrAmBgr y.
2.31
2.54
2.57
2.89
2.90
Eg~rAmB bmB\
6.11
5.67
5.33
4.91
4.05
BpS>`m \$Q>*
NA
NA
NA
7.77
5.27
AmBEZOr do`m
2.26
2.96
2.32
1.82
1.79
_mg `y `mH$
3.04
2.43
2.22
1.90
3.22
_oQ>bmB\$
2.27
1.76
1.82
1.65
1.65
H$moQ>H$ _{hXm
2.69
3.02
3.07
3.05
2.79
[abm`g
2.50
2.25
2.22
1.91
1.86
ghmam
3.60
4.04
4.33
4.51
4.50
Eg~rAmB bmB\
2.92
2.73
2.64
2.52
2.17
lram_
3.05
2.91
2.63
2.61
2.69
Q>ma `y{Z`Z
2.53
7.89
7.66
7.77
7.46
Q>mQ>m EAmBOr
2.51
1.91
2.05
1.80
2.11
1.54
1.74
1.72
1.66
1.54
~r_mH$Vm
{ZOr ~r_mH$Vm
gmdO{ZH$ ~r_mH$Vm
^maVr` OrdZ ~r_m {ZJ_
* df
2009-10 _| `nma Ama^ {H$`m J`m

moV: ~r_mH$H$ [anmoQ> 31-03-2009 d 31-3-2010 VWm g~{YV {V_mhr F$UemoYZ {ddU
NA: bmJy Zht
115
116
ZmoQ>: *~moZg XoZo Ho$ ~mX Ho$ J{UVr` [aOd H$mo XemVm h
A{OV r{_`_-ew
(H$) r{_`_
(I) nwZ~u_m gmno
(I) nwZ~u_m drH$ma {H$ò
{Zdoem| _| Am`
(H$) `mO, bm^me Ed {H$am`m-gH$b
(I) {~H$s gobm^/{Zdoem| _ _moMZ
(J) WmZmVaU/nwZ_w`mH$Z/{Zdoe H$mo Nw>S>mZm
(K) WmZmaVaU/nwZ_w`mH$Z na bm^/
(J) {Zdoe na n[aemoYZ _| r{_`_/Ny>Q>
(K) ImVm| _| {d{Z`moJ/dm{_dhaU H$m g_m`moOZ
Am bm^/hm{Z
A` Am`
eoàYmaH$ Ho$ ImVo _| AVaU
`y{ZQ> qbS> dgy{b`m
Hw$b (E)
H$_reZ
~r_m `dgm` go g~{YV MbZ IM
gXohmnX F$Um| Ho$ {bE mdYmZ
JV df go g~{YV
Sy>~Vo F$U H$s _m\$s
H$a Ho$ {bò mdYmZ
(mdYmZ) H$a H$mo N>moS>H$a
(H$) {Zdoem| Ho$ _y` _| H$_r (ew)
(I) A`
Hw$b (~r)
^wJVmZ {H$ò Jò bm^ (ew)
^wJVmZ {H$ò Jò AV[a_ ~moZg
OrdZ nmb{g`m| Ho$ g~Y _| Xm{`d Ho$ _y`mH$Z _| n[adVZ
(H$) gH$b*
(I) nwZ~u_m Ho$ {H$`m J`m IM
(J) nwZ~u_m _| drH$V am{e
(K) OwS>r hB {Z{Y _| AVaU
Hw$b (gr)
`mXm/(H$_r) (S>r)=(E)-(~r)-(gr)
nyd Ad{Y H$s _Xo
df Ho$ ew$AmV _| H$_r
qbS> \$S> _| WmZmVaU (H$m{bV nm{b{g`m|)
`mXm _y`mH$Zm| Ho$ {bò CnbY
_y`mH$Z
eoàYmaH$m| Ho$ ImVo _| AVaU
A` AmajUm| _| A{VaV
nm{bgrYmaH$m| Ho$ ^{d` {d{Z`moJ ImVm _|
eof
eoàYmaH$m| Ho$ ^{d` {d{Z`moJ ImVm _| eof
~Mm hAm VwbZ n _| AV[aV
Hw$b (S>r)
{ddaU
38845
32790
(111613)
(27083)
(6)
1709
76399
462705
48179
124876
52157
241291
(34109)
141402
(426)
1435
47975
992261
51620
132675
212457
(1235)
275865
13169
13169
2862
10308
13169
683250
(7599)
789529
18438
18438
1491
16947
18438
201503
51508
71733
78262
75078
17948
53785
3344
75078
53785
71733
201503
644880
21293
424219
346172
220656
5
2114
3012187
129770
2291183
316907
720999
5
(305)
1012345
69999
274059
160
(557821)
381
94857
(2702)
1294821
422
52550
3458864
60297
256915
114414
157903
(329367)
1535622
(3803)
136165
393183
(63470)
1653188
(5292)
2008-09
AmBgrAmBgrAmB w.
2009-10
H$mo>H$ _| AH$ ZH$mam_H$ _y` ~VmVo h &
173670
64644
184295
113878
615
457180
(5517)
550566
(8029)
2008-09
{~abm gZ bmB\$
2009-10
2653
1991
661
2653
661
221251
1991
196597
104
58803
24544
7
282045
12076
46727
1499
14630
15559
39112
(6751)
54139
164265
(409)
2009-10
2008-09
EbAmBgr
2009-10
34053
31838
6719788 5658279
1017242
508993
(192374) (190329)
3694853 (1699371)
1008
(1388)
2049
347
1008
2049
103092
103092
103092
92912
92912
92912
16664
2850
5864
5329
9036
19094
7950
16664
208745
16664
134542
6028
219159
68127
663
444568
42489
176007
3555
61490
44518
20341
(54725)
(182065)
(383)
556469
(4632)
4729
19094
1083920
19094
203454
133789
37
7276923 1472001
78314 27012738 17568156
(1041)
103092
92912
1909
2366998
5247814
77223
12256
2756324
7913066
100354
952640
(2546)
334848
93177
362529
50455
1306468
52550
150904
3029
35594
62142
94552
(16419)
428328
(458)
4136
700510
(4947)
2008-09
EMS>rE\$gr Q>S>S>
2009-10
65026 11722395 10771117

(89)
57652
13371
7
223
134926 29872155 20028065

11038 1211031 1003324
46392 1224582
906429
(104530)
27311
2249
20840
10244
6432
(34378)
(13933)
144228 18607731 15728804

(758)
(9492)
(10091)
352
(57)
2008-09
AmBEZOrd`
OrdZ ~r_mH$Vm: nm{bgrYmaH$ boIm
16564
6229
10335
16564
1695
477487
14869
419620
(1050)
2796
1695
1101
2796
4335
197878
(1539)
176276
(480)
200986
22082
6
794
20
192602
58917
397324
39158
160896
132
95
37158
21178
12000
(41177)
(14411)
577
385726
(3823)
684959
42121
150439
22
46
5862
32384
72233
(9806)
102913
1241
486054
(5968)
2008-09
_mg `y `mH$
2009-10
10264
8677
1587
10264
1587
800509
8677
731162
226459
69342
5
1035645
62785
163673
864
30534
24497
67713
(18375)
270262
1316
660490
(1656)
1587
1587
1587
250681
1587
235123
252778
15553
5
791
505047
59691
192297
240
110618
12204
6418
(79813)
(40188)
4035
493254
(1720)
2008-09
{abm`g bmB\$
2009-10
62684
10237
52448
10720
11004
62684
1434932
1821007
40961
122952
279951
263020
104
6531
2141918
96257
177163
2816
6945
64538
334710
(49701)
643474
1141971
(2835)
2009-10
21044
9908
10720
415
21044
9494
311113
460461
11550
73692
294311
75651
5
1577
766322
105155
187579
11910
16391
41288
45921
(217401)
(191895)
1062452
(2345)
2008-09
~OmO AbmO
(` bmI _|)
{ddaU 19
dm{fH$ [anmoQ>
2009-10
117
26006
35815
(8651)
52223
290
1770
392437
16792
57384
52745
36747
(196338)
(62619)
403
15820
566996
46788
62050
17497
66594
108395
7572
5541
380
7942
(717)
73458
49668
21659
230754
302082
16896
380
17276
7085
9663
528
17276
6634
114663
39675
402380
(566)
441488
10845
77
10923
10111
812
10923
2021
7942
370
83583
24304
268
199551
22543
60767
286
3013
17108
13704
(57479)
(7855)
234319
(3545)
374
(1184)
286805
(1820)
2008-09
H$moQ>H$ _ho
2009-10
721210
(971)
2008-09
Eg~rAmB bmB\$
2009-10
A{OV r{_`_-ew
1010403
(H$) r{_`_
(I) nwZ~u_m gmno
(2355)
{Zdoem| _| Am`
77248
254992
(42428)
302655
Am bm^/hm{Z
A` Am`
4923
`y{ZQ> qbS> dgy{b`m
Hw$b (E)
1605438
H$_reZ
75825
66090
JV df go g~{YV
(21)
1022
H$a Ho$ {bò mdYmZ
(13679)
(H$) {Zdoem| Ho$ _y` _| H$_r (ew)
(I) A`
129237
Hw$b (~r)
85144
^wJVmZ {H$ò Jò AV[a_ a_ ~moZg
1371721
(H$) gH$b*
(90)
(K) OwS>r hB {Z{Y _| AVaU ({Z{Y Ama{jV)
Hw$b (gr)
1456775
`mXm/(H$_r) (S>r)=(E)-(~r)-(gr)
19426
nyd Ad{Y H$s _Xo
812
20237
_y`mH$Z
17775
A` AmajUm| _| A{VaV
2462
eof
Hw$b (S>r)
20237
{ddaU
5135
1731
3403
3867
5135
377556
474276
1268
64403
(141)
131357
32458
606901
28085
102631
641
3196
44339
29607
20203
(12567)
173968
349378
(1222)
2009-10
321
(3459)
3780
281
321
56695
134031
40
62805
(151)
131795
14683
484
265866
23978
107119
214
2728
62420
21253
6459
(28193)
(72256)
274750
(1294)
2008-09
Q>mQ>m EAmBOr
(166383)
(162007)
4301
74
(162007)
(136394)
315284
(25613)
297274
(568)
97450
18573
6
387121
29251
68199
114181
622
11934
9763
253601
(2980)
2009-10
(136394)
(134162)
2167
65
(134162)
(80318)
117334
(53844)
110326
(663)
98602
7669
2
356
162092
34956
63290
(39367)
191
(4107)
7547
199664
(1837)
2008-09
_oQ>bmB\$
9046
2752
6243
51
9046
6243
320967
2803
258208
(397)
86848
63094
62
410618
15829
71019
36002
18738
10085
(5027)
114670
237801
(1651)
2009-10
6296
6243
53
6296
111296
6296
91519
(391)
93174
20116
52
588
210766
15196
77390
51984
15240
2242
(3249)
(53158)
199287
(1580)
2008-09
Adrdm
OrdZ ~r_mH$Vm: nm{bgrYmaH$ ImVm
770
770
770
26978
34879
770
6421
(3)
6241
1483
172
41890
2368
3700
19
19
19
6821
11740
19
4303
(2)
6542
618
140
13
18301
2415
3973
27
1670
(0)
2
34
(5678)
1263
379
20647
(7)
14331
1791
680
25059
(7)
2008-09
ghmam
2009-10
324
181
143
324
192
63852
74631
132
4181
19048
6595
3
24269
80
3324
(1566)
93811
6649
12399
3276
4344
(975)
61127
(67)
256
192
65
256
23
17269
20123
233
1421
12442
1430
3
62
(11623)
29
516
(1193)
32799
5599
6782
(674)
2175
43617
(49)
2008-09
lram_
2009-10
(47729)
(47729)
(47729)
62595
(47729)
61979
(277)
72397
893
87263
6346
66051
244
695
236
789
6546
(639)
12648
66973
(229)
2009-10
(41515)
(41515)
(41515)
15520
(41515)
15385
(126)
60766
262
306
34771
3873
56587
547
1215
252
55
(304)
(2941)
36041
(93)
2008-09
^maVr Egm
(` bmI _|)
Omar {ddaU 19
dm{fH$ [anmoQ>
2009-10
118
A{OV r{_`_-ew
(H$) r{_`_
(I) nwZ~u_m gmno
{Zdoem| _| Am`
Am bm^/hm{Z
A` Am`
`y{ZQ> qbS> dgy{b`m
Hw$b (E)
H$_reZ
JV df go g~{YV
H$a Ho$ {bò mdYmZ
(H$) {Zdoem| Ho$ _y` _| H$_r (ew)
(I) A`
Hw$b (~r)
^wJVmZ {H$ò Jò AV[a_ ~moZg
(H$) gH$b*
(K) OwS>r hB {Z{Y _| AVaU ({Z{Y Ama{jV)
Hw$b (gr)
`mXm/(H$_r) (S>r)=(E)-(~r)-(gr)
nyd Ad{Y H$s _Xo
_y`mH$Z
A` AmajUm| _| A{VaV
eof
Hw$b (S>r)
{ddaU
120
53
(52)
80
11
26341
41351
2204
27186
1325
1100
(131)
2890
207
36837
95712
12945
44146
11867
(258)
11828
37223
(0)
38621
61239
61166
(278)
19269
351
80508
4419
14850
0
12299
2995
6256
(1140)
3011
59
127
57112
(210)
2009-10
2071
(15427)
(15427)
5
(15432)
(15427)
(23666)
121
(23787)
(23666)
2096
(41)
16492
15
60
3135
219
16213
15
13
(39)
35
4
3121
(13)
2008-09
12394
(23666)
12633
(289)
29118
50
17846
1236
27882
136
864
(191)
490
39
29
16565
(86)
2009-10
EoJmoZ aobrJoà
93229
92818
(23)
39571
433
132800
20337
19235
26114
230
1873
4207
(258)
16645
84245
(254)
2009-10
24571
24507
25599
64
141
50170
10565
14893
21086
197
144
(129)
(742)
29641
(27)
2008-09
Ho$Zam EMEg~rEg
#df 2009-10 _| `dgm` ma^ {H$`m
29204
29245
(117)
13529
76
69
42733
1545
11915
0
11611
703
862
(2392)
89
7
31897
(43)
2008-09
AmBS>r~rAmB \o$S>b
29522
220
57091
1398
132
15260
(463)
2008-09
54151
(667)
2009-10
`yMa OZabr
2896
2921
11000
(25)
13896
429
10571
9794
44
43
(19)
186
0
9
3844
(4)
2009-10
259
259
4097
34
4356
8
4055
4015
4
1
(2)
3
0
337
(0)
2008-09
S>rEbE\$ m_o[aH$m
OrdZ ~r_mH$Vm: nm{bgrYmaH$ ImVm
(1972)
(1972)
(3405)
(3405)
(1972)
3911
(1972)
3911
3113
5052
676
2436
31
1
1
5019
(0)
2008-09
(3405)
49009
(3405)
48905
(28)
10563
132
56166
3928
6635
1476
87
721
1056
(183)
53037
(28)
2009-10
Q>ma `y{Z`Z
17488
2
17472
8278
17
25769
1456
6822
18
5095
33
55
(4)
413
20160
(0)
2009-10
BpS>`m \$Q>#
(10185)
281
56939
(42372)
14870
250275
5331
126607
80224
(189641)
250275
12759
58254
55834
(151447)
56939
81539
1930493
20716753
66842
9410994
38534994
277777
227754
12869974
1907
6059594
851457
(1351762)
(2373988)
4233
160
(608780)
56198
617443
(1193)
25389242
1549598
2583190
27657
(1184)
6
344515
93177
6779
1909
4605647
5837029
77350
22178547
(42610)
(57)
2008-09
19478781
(13185)
7283744
2616044
(463219)
6029502
1771
2066
1434747
53865
370356
(1566)
43822493
1814631
2880694
(103867)
(21)
20
369950
50455
(14396)
12256
5009722
9557820
100583
26545037
(50208)
352
2009-10
df 2009-10 _| `dgm`
ma^ {H$`m Hw$b
(` bmI _|)
Omar {ddaU 19
dm{fH$ [anmoQ>
2009-10
{~abm gZ bmB\$
AmBgrAmBgrAmB w.
119
EbAmBgr
EMS>rE\$gr Q>S>S>
_mg `y `mH$
94857
85
14630
202
20840
339
1739
106072
(9)
65
2923
(16)
(16)
95719
(9)
2816
92912
35594
40
8116
35
(26)
(5)
492
2891
4729
61490
53
11246
(30)
519
(359)
139
3024
7950
10781
14319
129
(99)
710
3241
10335
ZmoQ> : H$mo>H$ _| AH$ ZH$mam_H$ _y` ~VmVo h &
VwbZ n H$mo bo Om`m J`m bm^
(M) [aOd/A` ImVm| _| A[aV
(K) Ka na bm^me {dVaU
(J) Vm{dV A{V_ bm^me
(I) df Ho$ XmamZ {Xò OmZo dmbo AV[a_ bm^me
(H$) dfma^ _| eof
{d{Z`moJ
bm^/(ZwH$gmZ) H$a Ho$ nmV
H$a {ZYmaU Ho$ mdYmZ
(77970)
10100
(88070)
(88987) (377646) (299676)
25797
2256
28053
94942
(91215)
(13676)
(13671)
14832
(202750) (159201) (351849) (377646) (104892)
(159201)
(70214)
bm^/(ZwH$gmZ) H$a go nyd
(43550)
(70214)
(43550)
Hw$b (~r)
nyd Ad{Y IM
76399
76499
47975
48055
nm{bgrYmaH$m| Ho$ ImVo _| AeXmZ
(J) A`
(91215)
(71765)
(19450)
(19441)
21180
2979
103092
106072
106072
2823
92912
95735
95735
{ab`mg
5862
(2091)
(2091)
16411
(68835) (100275)
(50296)
(50296)
61543
110644
110618
26
2153
752
(635)
184
1852
(28379) (108491)
(28379) (108491)
30953
30534
419
2574
136
(476)
922
1993
(60974) (239008) (130517)
(39302)
(39302)
43788
37158
422
6208
4487
655
(550)
654
2624
1101
(146650) (119131) (102367) (100275) (267387) (239008)
(119131)
(27518)
(27518)
35634
242
783
783
1161
(36)
182
1245
103092
(474)
100
80
6872
177
984
347
(I) gXohmnX F$Um| Ho$ {bò mdYmZ
6286
4505
(251)
1209
2569
3344
(H$) {Zdoe _y` _| H$_r (ew)
mdYmZ (H$a {ZYmaU Ho$ Abmdm)
JbV F$U H$s hm{Z
A` IM Omo ~r_m `mnma Ho$ grYo g~{YV Zhr h
Hw$b (E)
A` Am`
(M) r{_`_ _| n[aemoYZ/{Zdoem| _| Ny>Q>
(K) ghr Xm_ Ho$ nwZ_y`Z/n[adVZ na hVmVaU/bm_
28836
(1)
164
(49)
243
(203)
940
3018
2233
25712
177
2862
3039
1491
(I) {~H$s na bm^/{Zdoem| H$s MyQ>
(J) ({~H$s na hm{Z/{Zdoem| H$s Ny>)
AmBEZOr d`m
~OmO Ab`mO
(` bmIm| _|)
(1830)
(56058)
54229
1471
55699
7592
6945
647
63291
(54)
1063
9834
52448
(56058)
(48990)
(7068)
(7067)
16550
16391
159
9483
(195)
800
8463
415
2009-10 2008-09 2009-10 2008-09 2009-10 2008-09 2009-10 2008-09 2009-10 2008-09 2009-10 2008-09 2009-10 2008-09 2009-10 2008-09
(H$) `mO, bm^me Ama {H$am`m - gH$b
{Zdoem| go Am`:
(VH$ZrH$s ImVm)
nm{bgrYmaH$mo Ho$ ImVo go hVm[aV am{e`m
{ddaU
AeYmaH$ ImVm : g^r OrdZ ~r_mH$Vm
{ddaU 20
dm{fH$ [anmoQ>
2009-10
Eg~rAmB bmB\$
120
ZmoQ> : H$mo>H$ _| AH$ ZH$ma_H$ _y` ~VmVo h &
(H$) dfma^ _| eof
{d{Z`moJ
25487
(2158)
473
(2631)
27646
(2158)
33
103
(2664)
27749
nydAd{Y IM
18859
15820
2990
(4761)
(4799)
49
Hw$b (~r)
(J) A`
(H$) {Zdoe _y` _| H$_r (ew)
JbV F$U H$s hm{Z
Hw$b (E)
A` Am`
39
(1987)
(3548)
16195
1284
22989
6787
2697
10111
6065
17775
H$moQ>H$ _ho
Q>mQ>m EAmBOr
_oQ>bmB\$
Adrdm
ghmam
lram_
^maVr Egm
(` bmIm| _|)
Omar {ddaU 20
(25512)
(32434)
6922
6922
2205
1770
435
9127
(0)
282
1761
7085
(40001)
(40001)
44582
44339
243
4581
15
1163
3403
(64461)
(56524)
(56524)
62674
62420
254
6150
(44)
89
2325
3780
(32434) (160986) (120985)
(33868) (120985)
1434
1434
3217
3013
204
4651
(642)
1176
2096
2021
(10462)
(12968)
2506
2506
2506
465
1967
74
(34472)
(34472)
36893
36002
892
2422
(0)
312
2059
51
(66749)
(49505)
(49505)
52507
51984
523
3002
(21)
75
2895
53
(12968) (150726) (116255)
(14420) (116255)
1452
1452
1452
(860)
2247
65
747
(2874)
3621
259
3880
35
35
3915
1379
(6)
1106
1432
(2873)
(1058)
(1815)
(1815)
3295
1670
1583
41
1480
(33)
280
1231
730
2536
(1806)
(1806)
3358
3324
34
1551
133
198
1078
143
(73990)
(47817)
(47817)
848
695
152
(46969)
(48)
187
621
(47729)
2536 (121807)
1726
811
208
1019
890
516
349
25
1909
119
595
1130
65
(73990)
(32244)
(41746)
(41746)
1329
1215
114
(40417)
(26)
91
1033
(41515)
2009-10 2008-09 2009-10 2008-09 2009-10 2008-09 2009-10 2008-09 2009-10 2008-09 2009-10 2008-09 2009-10 2008-09 2009-10 2008-09
{Zdoem| go Am`:
(VH$ZrH$s ImVm)
{ddaU
dm{fH$ [anmoQ>
2009-10
343
(169)
544
(18)
121
(64642)
(28955)
(28955)
(3362)
(25594)
(35686)
(24071)
(13576)
(10495)
(10495)
12453
12299
154
ZmoQ> : H$mo>H$ _| AH$ ZH$ma_H$ _y` ~VmVo h &

AmW{JV H$a gn{m na AmBgrAmBgrAmB yS>oqe`b Ho$ {bE AZdemo{fV KmQ>o Ho$ AmJo bo OmZm.
(H$) dfma^ _| eof
{d{Z`moJ

0
(25594)
(35685)
Hw$b (~r)
nyd Ad{Y IM
26341
26875
36837
36976
(J) A`
(H$) {Zdoe _y` _| H$_r (ew)
JbV F$U H$s hm{Z
534
139
(13576)
(2553)
(11023)
(11023)
11886
11611
275
863
1959
0
1281
1291
A` Am`
Hw$b (E)
14
(416)
118
1147
(3)
(159)
310
1810
2008-09
AmBS>r~rAmB \o$S>b
2009-10
1107
765
2008-09
`yMa OZabr
2009-10
{Zdoem| go Am`:
(VH$ZrH$s ImVm)
{ddaU
(1997)
(2379)
382
382
133
133
515
81
(2)
53
382
2009-10
(2379)
(2787)
408
20
428
274
274
702
144
(6)
119
446
2008-09
EoJmoZ aobrJoà
(47703)
(23087)
(24616)
(24616)
26236
26114
122
1620
(35)
530
1124
2009-10
(23087)
(2880)
(20207)
(20199)
22569
21086
1483
2370
(40)
224
2186
2008-09
Ho$Zam EMEg~rEg
(13775)
(4446)
(9329)
(9329)
9965
9794
171
636
(70)
(0)
91
615
2009-10
(4446)
(4446)
(4446)
5277
4015
1262
831
(17)
(5)
344
508
2008-09
S>rEbE\$ m_o[aH$m
(4106)
(1965)
(2140)
134
(2006)
1173
1173
(833)
(125)
697
2000
(3405)
(1965)
(107)
(1858)
(1858)
198
198
(1660)
(14)
22
304
(1972)
2008-09
Q>ma `y{Z`Z
2009-10
Hw$b
519
177
(98882)
4096
220
(94566)
329452
317806
242
(5273)
16677
234886
2823
92912
(5204) (1781750) (1576071)
2979
103092
(992036)
(488301)
10380
(498188)
634981
617443
5345
12192
136793
128
1683
1379
(5)
(6297)
8169
51052
81539
2008-09
(4634)
12275
50490
175204
2009-10
(725) (1576796)
(4479)
(4394)
5096
5095
703
(50)
(0)
241
511
2009-10
BpS>`m \$Q>
(` bmIm| _|)
Omar {ddaU 20
dm{fH$ [anmoQ>
2009-10
eoàYmaH$m| H$s {Z{Y`m

eoà nyOr
eoà nyOr A{J_
eoà AmdoXZ ewH$
H$_Mmar Q>mH$ {dH$n ~H$m`m
~H$m`m Ed eof
F$U/(Mmby) ghr _y` ImVm ~X{bò
Hw$b `moJ
CYma
nm{bgrYmaH$m| H$s {Z{Y`m
nwZ_y`mH$Z Ama{jV - {Zdoe gn{m
nm{bgr Xm{`d
~r_m [aOd
OwS>o hò Xm{`d Ho$ {bò mdYmZ
Hw$b `moJ
AW{JV H$a Xm{`d
^{d` Ho$ {bò {Z{Y`m
Hw$b `moJ
{Z{Y H$m Cn`moJ
{Zdoe
eoàYmaH$
nm{bgrYmaH$
OwS>o hò Xm{`d Ho$ {bò gn{m`m
F$U
WmB gn{m`m
~Xbr hB H$a gn{m`m
AW{JV H$a gn{m
Mmby gn{m`m
ZJX Ed ~H$ eof
A{J_ Ed A` gn{m`m
Hw$b `moJ (E)
Mmby Xm{`d
mdYmZ
Hw$b `moJ (~r)
ew Mmby gn{m`m (gr)=(E-~r)
{d{dY IM| (g_m`mo{OV `m _m\$ Zhr {H$`m J`m)
bm^ d hm{Z ImVo _| Zm_o eof
(AeYmar ImVm)
nm{bgrYmaH$ Ho$ ImVo _| Zm_o eof
Hw$b
{ddaU
51897
10443
62340
73996
2524
76519
(14179)
159201
1072536
56980
12154
69133
81135
3231
84367
(15233)
202750
1810140
819694
859688
1456730
1535344
46701
50442
819694
2235
8443
39994
78608
50440
105817
1456730
2655
6982
12896
1072536
12000
2
199952
48000
3
244953
29842
1810140
187950
196950
122
6030029
351849
3660499
377646
35588
36155
71743
113037
11979
125017
(53274)
31808
29552
30540
29660
60200
157170
2988
160159
(99958)
66201
341641
2861395
1960
33121
71733
3660499
128503
445657
5146926
1160
26340
123242
6030029
5037610 2805489
5428166
3110655
2132
3163
299871
23
85
335292
(15)
478111
11
9
335884
(96)
478622
24934
6689
358933
142726
142814
2009
AmBgrAmBgrAmB w
2010
2009
{~abm gZbmB\$
2010
580712
104892
9868
13463
23330
27978
96
28074
(4744)
18359
131922
327729
823
1732
2653
580712
327772
457845
129994
79
64
120214
18235
101915
2010
36587
36087
500
2051
5529
1844
204173
196800
5931
84127287
1415893
3531917
4947809
592822
1597398
2190220
2757590
369692 111741618
91215
11760
18905
30665
31303
106
31409
(744)
84127287
1729264
3142203
4871467
371805
1587217
1959022
2912445
23386
35376
31950
83721 83304127 63896170
169014 17032518 9041029
464 8299709 7947712
2634 312299 297980
661
8116
369692 111741618
2160620
146650
28264
49178
77441
122816
1876
124692
(47251)
63048
434154
1552178
404
11438
25548
2160620
1171303
119131
41087
54287
95374
88202
2088
90290
5083
42916
301527
687829
302
14513
11184
1171303
687829
975785
290924
(2969)
5529
(776)
184335
179582
2009
EMS>rE\$gr Q>S>S>
2010
91368 83940026 72217682 376669

366457 364292
169728 16003617 8728878 1552178
260650 111696915 84087748
1930898
2776896
33608
33108
500
2009
EbAmBgr
2010
(447) 11386815
6
108380
1
6459
101915
2009
AmBEZOr d`
VwbZ n: g^r OrdZ ~r_mVm

(31 _mM na)
1128944
102367
5187
44536
49723
71102
28
71130
(21408)
7580
83013
271289
657794
861
27448
6229
1128944
657794
917115
259314
7900
13414
404
205599
183882
48758
677
180970
207
297642
116464
2010
679354
100275
2165
44500
46664
56502
270
56772
(10108)
254
52291
200183
303488
483
32487
1695
679354
1627456
267387
49878
13452
63330
73514
243
73757
(10427)
36931
52645
1276506
3018
1397
10264
1627456
303488 1270115
498539
1319550
195050
78
179121
799
178243
2009
_mg `y `mH$
2010
861962
239008
41025
14293
55318
68634
111
68745
(13427)
39470
34266
555238
2991
4415
1587
861962
555238
586769
32472
(942)
158101
(729)
273605
116233
2009
[abm`g
(` bmIm| _o)
{ddaU 21
dm{fH$ [anmoQ>
2009-10

eoà nyOr
eoà nyOr A{J_
eoà AmdoXZ ewH$
~H$m`m Ed eof
Hw$b `moJ
CYma
nwZ_y`Z Ama{jV - {Zdoe gn{m
nm{bgr Xm{`d
~r_m [aOd
Hw$b `moJ
AW{JV H$a Xm{`d
Hw$b `moJ
{Z{Y H$m Cn`moJ
{Zdoe
eoàYmaH$
nm{bgrYmaH$
F$U
WmB gn{m`m
~Xbr hB H$a gn{m`m
AW{JV H$a gn{m
Mmby gn{m`m
ZJX Ed ~H$ eof
A{J_ Ed A` gn{m`m
Hw$b `moJ (E)
Mmby Xm{`d
mdYmZ
Hw$b `moJ (~r)
(AeYmar ImVm)
Hw$b
{ddaU
105996
70
179982
105996
284
302934
100000
149180
23200
123
56058
2158
35530 46312 12806

17831 33242 27728
53360 79553 40534
80138 143039 100712
4267
617
975
84405 143657 101687
(31045) (64103) (61153)
25512
8695
10628
19323
25998
1714
27712
(8388)
39835
286568
619149
4534
10828
32434
160986
12827 13569
9392 20569
22219 34138
23204 54604
1398
748
24603 55352
(2383) (21214)
28231
62777
303080
583
5690
27434
82387
485242
977
10645
120985
10462
166383
19550
9336
20563 13021
40114 22357
50971 39588
949
2011
51920 41598
(11807) (19242)
23910
221325
245819
2897
15579
12968
136394
11495
13714
25209
33070
1804
34874
(9665)
25762
56586
210583
414
11464
150726
18304
11441
29745
27676
2062
29739
6
4822
33956
9121
603856
116255
2553
12248
14801
20517
1128
21645
(6844)
5277
35162
15450
336925
3304492 1757881 2814312 1402472 694222 430411 1100685 618708 764288 444506 802488 502225
1830
21869
31116
52985
105187
6602
111789
(58804)
6998
24918
101474
544585
522
5599
89241
2248
2456
4704
2735
40
2775
1929
22355
16809
47465
10
673
93537
682835
678096
5102
2173
7275
10797
133
10929
(3654)
15412
8334
118412
12
1959
54232 140474
2874
1565
2112
3676
1741
56
1797
1879
17967
10208
20487
2
815
48
181
54232 140474
154538 76952 68791

346223 232171 1077624
2841462 1406530 1708731
1303
770
17940 16444 23270
8601
821
89241
95
38746 50233
2462
812 20569 10862 15359 13628
8074
3773 13832 11080
3304492 1757881 2814312 1402472 694222 430411 1100685 618708 764288 444506 802488 502225
20487 118412
30630 127012
(2043)
730
50
13280
12500
47462
64118
4476
lram_
2010
10143
498
23554
354
23200
2009
16561
624216
160
188880
24302
158000
15342
ghmam
2010
56233
177479
18487
2009
A{ddm
1102
151950
2010
2
14
56233 192050 151950 195968 173356 188880 149180
3278
3947
192050
2009
_oQ> bmB\$
2010
5204
51029
2009
Q>mQ>m EAmBOr
2010
5204
51029
2009
H$moQ>H$ _ho
2010
92368 70708 273246 209042 75008 54541

9752
6937
528
380
2841462 1406530 1706268 677284 524026 292228 615554 246132 481961 208889 590024 335028
3144680 1586582 2685327 1301659 617420 363316 893276 453131 560247 267377 599776 341965
966862
12197
25487
1036
0
121066 121066 126523 100000
15071
15071
100000
2010
2009
Eg~rAmB bmB\$
2010
2009
~OmO AbmÒ
VwbZ n: g^r OrdZ ~r_mVm

(31 _mM na)
113135
79230
83527
4295
19900
21823
1923
89244
32563
4521
9280
13801
16033
386
16419
(2618)
2052
9444
4298
79230
32475
41515
2928
9694
12621
14637
348
14985
(2363)
4413
9589
1924
19900
74208 214213 107453
6408
1651
8059
8503
89
8593
(533)
589
15410
4182
54560
192
74208 214213 107453
54560
58980
4420
8957
(170)
85630
10000
66843
2009
^maVr Egm
2010
2536 17399
1
152
15037 130687
12500
2009
(` bmIm| _o)
Omar {ddaU 21
dm{fH$ [anmoQ>
2009-10
124
*2009-10 _o ew {H$`m AmnaoeZ

eoà nyOr
eoà nyOr A{J_
eoà AmdoXZ ewH$
~H$m`m Ed eof
Hw$b `moJ
CYma
nwZ_y`mH$Z Ama{jV - {Zdoe gn{m
nm{bgr Xm{`d
~r_m [aOd
Hw$b `moJ
AW{JV H$a Xm{`d
Hw$b `moJ
{Z{Y H$m Cn`moJ
{Zdoe
eoàYmaH$
nm{bgrYmaH$
F$U
WmB gn{m`m
~Xbr hB H$a gn{m`m
AW{JV H$a gn{m
Mmby gn{m`m
ZJX Ed ~H$ eof
A{J_ Ed A` gn{m`m
Hw$b `moJ (E)
Mmby Xm{`d
mdYmZ
Hw$b `moJ (~r)
(AeYmar ImVm)
Hw$b
{ddaU
8471
11690
0
61947
15279
3079
8471
7914
2224
4088
6312
7885
178
8063
(1751)
28955
61947
27838
46721
2190
125363
10202
19019
30028
753
5254
6437
11691
10694
278
10972
719
64642
125363
136111
24071
10853
8451
19304
19123
136
19259
45
1721
19492
9381
81402
136111
81402
91181
9778
1
3217
3
50257
(6)
76452
18884
7
44930
3404
6258
44924
46850
75155
13576
6180
5311
11492
11043
170
11212
280
1897
29120
2516
27766
75155
27766
30292
2526
(28)
44863
44891
2009
AmS>r~rAmB \o$S>b
2010
70200
2009
`yMa OZabr
2010
1997
39220
71526
2526
4871
7397
5247
1284
6531
866
4521
10357
1364
13202
126
71526
14399
1323
13076
1
57001
57000
2010
2379
15432
32060
959
3401
4361
2541
762
3303
1058
5768
5315
450
1658
5
32060
2055
402
1653
0
30000
30000
2009
EJmoZ ao{b{Jà
179803
47703
4954
3878
8832
14138
117
14255
(5423)
5843
14502
9534
107644
179803
107644
117303
9659
62500
12500
50000
2010
77007
23087
2306
2800
5106
8723
120
8843
(3737)
5254
27737
3277
21388
77007
21388
24507
3119
52500
12500
40000
2009
Ho$Zam EMEg~rgr
VwbZ n: g^r OrdZ ~r_mH$Vm

(31 _mM na)
25311
13775
743
1741
2485
3034
118
3153
(668)
604
8354
165
3081
25311
3081
3180
99
0
22131
22130
13969
4446
464
790
1254
1156
76
1232
22
1406
7824
16
255
13969
255
259
5
13710
13705
2009
S>rEb\$ m_o[aH$m
2010
94841
4106
11649
3418
15067
13660
182
13842
1225
2062
35369
3605
48474
94841
48474
52793
4318
17000
48
42048
25000
18928
1965
4348
630
4978
6107
24
6131
(1153)
2155
12500
11
3449
18928
3449
3911
462
17
15017
15000
2009
Q>ma `y{Z`Z XmBMr

2010
50518
5204
1533
666
2199
10104
29
10132
(7934)
2908
32866
125
17349
2
50518
17347
17472
125
13000
44
33044
20000
2010
2101923
18487
24503
7908
818302
3759
2974883
3278
2010
2009
1825369
15342
19886
884
679577
(1591)
2539466
3948
Hw$b
2034927
3452740
5487667
1174427
1616639
2791066
2696601
254
31808
1776151 1537093
238166
193342
135687405 97613794
1764078
3857746
5621823
1628194
1622319
3250513
2371310
7580
29552
943495
727211
86721641 66204758
34799690 17776656
8315986 7960813
483834
485259
308257
196318
135687405 97613794
11445200 2774512
6689
3163
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366985
364672
33595999 17392713
132404265 94878010
BpS>`m \$Q>*
(` bmIm| _o)
Omar {ddaU 21
dm{fH$ [anmoQ>
2009-10
dm{fH$ [anmoQ>
2009-10
{ddaU 22
^maVr` OrdZ ~r_m {ZJ_: nm{bgrYmaH$m| H$m ImVm

(Ja-^mJrXmar)
(` bmIm| _|)
2009-10
2008-09
778
921
(27)
(27)
(1283)
(1291)
1283
1076
751
680
CnJV Xmdo (ew)

H$_reZ
~r_m `mnma go g~{YV MbZ IM
A` n[aemoY,_m\$s Ed mdYmZ
{dXoer H$a
Hw$b (~r)
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700
14
19
59
91
16
835
826
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(84)
(146)
(84)
(146)
A{OV r{_`_ (ew)

{Zdoem| H$mo ~oMZo/{d{Zdoe _| bm^-hm{Z
nm{bgr Xm{`dm| _| n[adVZ
A`
{Zdoem| na `mO, bm^me, {H$am`m (gH$b)
Hw$b (E)
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A` [aOd _o AVaU
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125
dm{fH$ [anmoQ>
2009-10
{ddaU 23
^maVr` OrdZ ~r_m {ZJ_: AeYm[a`m| H$m ImVm

(Ja-^mJrXmar)
(` bmIm| _|)
2009-10
2008-09
(83)
(146)
(83)
(146)
(83)
(146)
H$a Ho$ nmV bm^
(83)
(146)
{d{Z`moJ
H$) df Ho$ XmamZ {H$ò Jò AV[a_ bm^me
I) Vm{dV AV[a_ bm^me
J) bm^me {dVaU H$a
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M) nyd df Ho$ bm^-hm{Z eof H$mo {b`m J`m
N>) eof H$mo VwbZ n _| ôOm J`m
(83)
(146)
MbZ bm^/(hm{Z)
(H$) A{ ~r_m
(I) g_wr ~r_m
(J) {d{dY ~r_m
{Zdoem| go Am`
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(I) {Zdoem| H$s {~H$s na bm^
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A` Am`
Hw$b (E)
mdYmZ (H$a Ho$ A[V[a$)
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H$a go nyd bm^
H$a Ho$ {bò mdYmZ
126
dm{fH$ [anmoQ>
2009-10
{ddaU 24
^maVr` OrdZ ~r_m {ZJ_: VwbZ n

(Ja-^mJrXmar)
(_mM 31 VH$)
(` bmIm| _o)
2010
2009
nm{bgr Xm{`d
17247
16048
[aOd Ed `mXm
36
36
ghr _y` n[adVZ ImVm
28
17311
16090
16964
17140
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ZJX Ed ~H$ eof
A{J_ Ed A` gn{m
209
591
398
169
Hw$b Mmby gn{m`m (E)
800
567
dV_mZ Xm{`d
453
1616
Hw$b dV_mZ Xm{`d (~r)
453
1616
ew dV_mZ gn{m (gr)=(E-~r)
346
(1049)
17311
16090
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eoà nyOr
F$U
Hw$b
{Z{Y`m| H$m Cn`moJ
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F$U
WmB gn{m`m
mdYmZ
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eof H$mo bm^-hm{Z ImVo _| S>mb|
Hw$b
127
128
21%
40%
31%
81
1531
91
679
43
663
47
692
80%
59%
24%
37
378
32
166
40
125
24
3
A{ddm
6%
9%
39%
323
1578
45
808
16
1017
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597
439
6854
180
2461
4%
6%
8%
40%
53%
81%
114
969
2716 32354
76
777
1524 25269
36
909
29
787
198
5915
142
3394
163
2666
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17%
16%
19%
6%
4%
4%
17%
19%
23%
89 9744
287
4706 114767 11370
61 7373
998 52926
54 11009
762 73686
45 7773
788 63206
{~abm EMS>rE\$gr AmBgrAmBr AmBEZOr EbAmggr

gZbmB\$ Q>S>S> AmB w.
d`m
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14%
17%
161
10852
2009-10
nmbgr`m| H$s g`m 000
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H$m{bV AZwnmV (nm{b{g`m| H$s

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2007-08 _o
2008-09 _o
2009-10 _o
96
1723
106
2392
2007-08
2008-09
77
2364
~OmO [ab`mg
AbmO
2006-07
[ddaU
24%
18%
25%
45
6689
27
739
28
880
37
1157
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bmB\$
17%
19%
14%
23
4813
31
1180
25
1104
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546
199
4729
238
5044
151
3042
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EAmBOr
16%
9%
7%
35%
26%
42%
46
329
5904 12972
48
1356
79
1108
85
773
H$moQ>H$ Eg~rAmB
_hom
24%
22%
21%
22
340
19
257
14
174
7
78
ghmam
55%
41%
41%
16
593
16
366
25
569
9
139
lram_
45%
46%
38%
17
1043
11
596
3
109
0
0
^maVr
Egm
0%
18%
37%
44
1679
5
216
0
0
NA
NA
0%
0%
0%
0
21
0
0
0
0
NA
NA
NA
4%
0%
0.003
0
0
0
NA
NA
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`{$JV `nma (^maV _|)

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NA
23%
24%
2
432
1
96
0
0
NA
NA
NA
2%
80%
1
55
0.006
0
0
0
NA
NA
EJmoZ S>rEbE\$
ao{bJoa mo_oarH$m
NA
1%
4%
0
7
0.003
0
0
0
NA
NA
Q>ma
`y{Z`Z
{ddaU 25
dm{fH$ [anmoQ>
2009-10
2009-10
dm{fH$ [anmoQ>
{ddaU 26
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1 Ab,
n[adYZ
Kmò Jò
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2009-10
2009-10
2309
5342
34
7617
30838
14705
12815
32728
204941
61824
99024
167741
28495
16261
12095
32661
164363
53043
49282
168124
113
2042
40
2115
24437
19612
1436
42613
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207626
41506
50253
198879
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299879
87774
145823
241830
6509
2644
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7737
AmBEZOr d`m
76058
25138
47923
53273
H$moQ>b _ho
42083
17610
23796
35897
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84651
46192
58015
72828
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60727
18325
15752
63300
149613
105566
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195565
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13515
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32975
65532
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1810
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21554
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69
107670
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31707
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1592579
625336
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1575476
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312547
254596
1402807
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2937435
937883
897035
2978283
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129
31
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2009-10
dm{fH$ [anmoQ>
{ddaU 27
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~r_mH$Vm
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n[adYZ
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2009-10
2009-10
31
_mM
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10
17
15
682
209
27
864
12
13
{~abm gZ bmB\$
317
154
91
380
Ho$Zam EMEg~rgr
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11
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47
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53
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100
61
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254
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915
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0
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0
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2077
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0.00
0
0.00
0
0.00
0
0.00
919
87.34
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2009-10
136
28
18
46
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Q>mQ>m EAmBOr
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EbAmBgr
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46.68
3.27
43.41
42.95
0.00
0.00
0.00
0.45
0.00
0.00
0.00
0.00
0.00
7528
4115
3413
387
29
784.55
639.65
144.90
52.89
0.00
0.00
0.00
0.65
0.00
0.00
0.00
0.00
0.36
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
7574 831.23
(100.00) (100.00)
4133 642.92
(100.00) (100.00)
3441 188.31
(100.00) (100.00)
393
95.84
(100.00) (100.00)
0
0.00
0
0.00
0
0.00
7
1.10
(100.00) (100.00)
0
0.00
0
0.00
0
0.00
0
0.00
7508
(99.13)
4102
(99.25)
3406
(98.98)
364
(92.62)
0
0.00
0
0.00
0
0.00
5
(71.43)
0
0.00
0
0.00
0
0.00
0
0.00
819.22
(98.56)
637.17
(99.11)
182.05
(96.68)
90.21
(94.13)
0.00
0.00
0.00
0.00
0.00
0.00
0.90
(81.82)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
29
0.36
29
0.36
(100.00) (100.00) (100.00) (100.00)
lram_
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H$moQ>H$ _hom
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53
(0.70)
25
(0.60)
28
(0.81)
24
(6.11)
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
9.34
(1.12)
4.36
(0.68)
4.98
(2.64)
4.55
(4.75)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
1
(0.01)
1
(0.02)
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0.27
(0.03)
0.27
(0.04)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
12
(0.16)
5
(0.12)
7
(0.20)
5
(1.27)
0
0.00
0
0.00
0
0.00
2
(28.57)
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
6
(85.71)
4
(80.00)
0
0.00
0
0.00
0
0.00
2.40
(0.29)
11
(91.67)
1.12
5
(0.17) (100.00)
1.28
(0.68)
1.08
(1.13)
0.00
0.00
0.00
0.00
0.00
0.00
0.20
2
(18.18) (100.00)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
1
(8.33)
0
0.00
1
(14.29)
1
(20.00)
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0.00
0
0.00
0
0.00
0
12
0.00 (100.00)
0
5
0.00 (100.00)
0
7
0.00 (100.00)
0
5
0.00 (100.00)
0
0.00
0
0.00
0
0.00
0
2
0.00 (100.00)
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
df Ho$ ew go
Hw$b Xmdo
Xm Xmdo
bmQ>mò Jò Xmdo
nm{b{g`m|
{hV nm{b{g`m|
{hV nm{b{g`m|
{hV nm{b{g`m|
{hV nm{b{g`m|
{hV nm{b{g`m|
{hV nm{b{g`m|
{hV
<3
3-<6
6-<1
>1
Hw$b
H$s g`m
amer H$s g`m
amer H$s g`m
amer H$s g`m
amer H$s g`m
amer H$s g`m
amer H$s g`m
amer
_hrZo
_hrZo
gmb
gmb
AmBEZOr d`m
OrdZ ~r_mH$Vm
gy_ ~r_m Ho$ AVJV _`w Xmdo 2009-10 - `{$JV dJ
Omar... {ddaU 32
dm{fH$ [anmoQ>
2009-10
137
EMS>rE\$gr Q>S>S>
AmBgrAmBgrAmB w.
AmBS>r~rAmB \o$S>b
BpS>`m \$Q>
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.15
0.00
49.00
1091
0.00
3.59
0.00
0.00
0.00
0.00
0.00
0.00
0.00
175.79
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0
0.00
0
0.00
0
0.00
0.00
0.00
0.00
0.00
0
0.00
0
0.00
0
0.00
1091
(99.91)
0
0.00
0.00
0.00
0.00
0.00
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
175.82
(99.93)
0
0.00
0
0.00
0.00
0.00
0
0.00
0.00
0.00
49
3.59
49
3.59
(100.00) (100.00) (100.00) (100.00)
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
1092 175.94
(100.00) (100.00)
0
0.00
`yMa OZabr
{~amb gZbmB\$
^maVr Egm
S>rEbE\$ nm_o[aH$m
~OmO A{b`mO
A{ddm
Ho$Zam EMEg~rgr
0
0.00
0.00
0.00
0
0.00
0
0.00
0
0.00
0.00
0.00
0.00
0.00
0
0.00
0
0.00
0
0.00
1
(0.09)
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.12
(0.07)
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
df Ho$ ew go
Hw$b Xmdo
Xm Xmdo
bmQ>mò Jò Xmdo
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
<3
3-<6
6-<1
>1
Hw$b
H$s g`m
am{e H$s g`m
am{e H$s g`m
am{e H$s g`m
am{e H$s g`m
am{e H$s g`m
am{e H$s g`m
am{e
_hrZo
_hrZo
gmb
gmb
EJmoZ aobrJoà
OrdZ ~r_mH$Vm
gy_ ~r_m Ho$ AVJV _`w Xmdo 2009-10 - Jwn dJ
{ddaU 33
dm{fH$ [anmoQ>
2009-10
138
19
Q>ma `y{Z`Z XmBMr
116
135
Q>mQ>m EAmBOr
{ZOr Hw$b
EbAmBgr
CmoJ Hw$b
36.08
33.98
2.10
0.00
0.00
0.00
0.25
0.00
0.00
0.00
0.00
0.00
1.70
601.50
0.00
0.00
0.00
412.53
0.20
0.00
0.00
0.00
0.00
9.39
43881 17895.77
41546 17294.27
2335
1069
125
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0
0.00
0
0.00
0
0.00
0
0.00
136
(95.77)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
10.58
(95.40)
0.00
0.00
0.00
0.00
0.00
0.00
44016 17931.85
(100.00) (100.00)
41662 17328.25
(100.00) (100.00)
2354 603.60
(100.00) (100.00)
0
0.00
0
0.00
0
0.00
1070 412.78
(100.00) (100.00)
579.57
(96.02)
0.00
0.00
0.00
0.00
0.00
0.00
389.38
(94.33)
43463 17768.18
(98.74) (99.09)
41175 17188.61
(98.83) (99.19)
2288
(97.20)
0
0.00
0
0.00
0
0.00
1011
(94.49)
1
0.20
1
0.20
(100.00) (100.00) (100.00) (100.00)
0
0.00
0
0.00
0
0.00
0
0.00
142
11.09
(100.00) (100.00)
lram_
arbm`g
_oQ> bmB\$
Eg~rAmB bmB\$
_mg `y `mH$
H$moQ>H$ _ho
ghmam
17
62
(0.14)
0
0.00
62
(2.63)
0
0.00
0
0.00
0
0.00
58
(5.42)
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
3
(2.11)
23.26
(0.13)
0.00
0.00
23.26
(3.85)
0.00
0.00
0.00
0.00
0.00
0.00
22.89
(5.55)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.25
(2.25)
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
491
(1.12)
487
(1.17)
4
(0.17)
0
0.00
0
0.00
0
0.00
1
(0.09)
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
3
(2.11)
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
140.41
491
(0.78) (100.00)
139.64
487
(0.81) (100.00)
0.77
4
(0.13) (100.00)
0.00
0.00
0.00
0.00
0.00
0.00
0.51
1
(0.12) (100.00)
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.26
3
(2.34) (100.00)
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0.00
0
0.00
0
491
0.00 (100.00)
0
487
0.00 (100.00)
0
4
0.00 (100.00)
0
0.00
0
0.00
0
0.00
0
1
0.00 (100.00)
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
3
0.00 (100.00)
df Ho$ ew go
Hw$b Xmdo
Xm Xmdo
bmQ>mò Jò Xmdo
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
<3
3-<6
6-<1
>1
Hw$b
H$s g`m
am{e H$s g`m
am{e H$s g`m
am{e H$s g`m
am{e H$s g`m
am{e H$s g`m
am{e H$s g`m
am{e
_hrZo
_hrZo
gmb
gmb
AmBEZOr d`m
OrdZ ~r_mH$Vm
gy_ ~r_m Ho$ AVJV _`w Xmdo 2009-10 - Jwn dJ
Omar... {ddaU 33
dm{fH$ [anmoQ>
2009-10
EJmoZ aobrJòa
A{ddm
~OmO A{b`mO
^maVr Egm
~ramb gZbmB\$
Ho$Zam EMEg~rgr
S>rEbE\$ m_o[aH$m
`yMa OZabr
EMS>rE\$gr Q>S>S>
AmBgrAmBgrAmB w.
ES>r~rAmB \o$S>b
BpS>`m \$Q>
AmBEZOr d`m
H$moQ>H$ _hom
_mg `y `mH$
_oQ> bmB\$
arbm`g
ghmam
Eg~rAmB bmB\$
lram_
Q>ma `y{Z`Z XmBMr
Q>mQ>m EAmBOr
{ZOr Hw$b
EbAmBgr
CmoJ Hw$b
~r_mH$Vm
0.00
0.00
0.84
0.00
86.91
0.00
0.00
0.00
0.00
1.58
0.00
0.00
0.31
0.00
0.00
0.00
0.00
0.10
0.00
0.00
0.00
87.88
177.62
636.14
813.76
915
2021
27
353
3324
4097
7421

nmb{g`m|
[hV
H$s g`m
am{e
2009-10
139
49
49
11
27
3.68
0.00
3.68
2.33
0.00
0.00
0.00
0.35
0.00
0.00
0.00
0.00
0.05
0.00
0.00
0.02
0.00
0.00
0.00
0.00
0.00
0.00
0.93
0.00
0.00
31 go 90 {XZ
nmb{g`m|
[hV
H$s g`m
am{e
22
17
13
1.77
1.03
0.74
0.00
0.00
0.00
0.00
0.45
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.04
0.00
0.00
0.00
0.00
0.00
0.00
0.25
0.00
0.00
91 go 180 {XZ
nmb{g`m|
[hV
H$s g`m
am{e
16
16
16
0.01
0.00
0.01
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.01
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
181 go 1 df
nmb{g`m|
[hV
H$s g`m
am{e
Ad{Y
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
1 df Ho$ `mXm
nmb{g`m|
[hV
H$s g`m
am{e
Ho$ {bò Ad{YAZwgma gy_ ~r_m Xmdm| H$m {ZQ>mam (`{$JV dJ)
7508
4102
3406
364
29
2077
915
16
819.22
637.17
182.05
90.21
0.00
0.00
0.00
0.90
0.00
0.00
0.00
0.00
0.36
0.00
0.00
1.65
0.00
0.00
0.00
0.00
86.91
0.00
2.02
0.00
0.00

nmb{g`m|
[hV
H$s g`m
am{e
{ddaU 34
dm{fH$ [anmoQ>
2009-10
EJmoZ aobrJòa
A{ddm
~OmO A{b`mO
^maVr Egm
{~abm gZbmB\$
Ho$Zam EMEg~rgr
S>rEbE\$ nm_o[aH$m
`yMa OZabr
EMS>rE\$gr Q>S>S>
AmBgrAmBgrAmB w.
ES>r~rAmB \o$S>b
BpS>`m \$Q>
AmBEZOr d`m
H$moQ>H$ _hom
_mg `y `mH$
_oQ> bmB\$
arbm`g
ghmam
Eg~rAmB bmB\$
lram_
Q>ma `y{Z`Z XmBMr
Q>mQ>m EAmBOr
{ZOr Hw$b
EbAmBgr
CmoJ Hw$b
~r_mH$Vm
0
0.00
1074
172.92
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
49
3.59
0
0.00
79
7.25
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
974
375.42
0
0.00
0
0.00
0
0.00
2176
559.18
41059 17154.63
43235 17713.81

OrdZ
[hV
H$s g`m
am{e
0
9
0
0
0
0
0
0
0
0
0
0
45
0
0
0
0
0
29
0
0
0
83
116
199
0.00
1.47
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2.41
0.00
0.00
0.00
0.00
0.00
11.41
0.00
0.00
0.00
15.29
33.98
49.27
0
2
0
0
0
0
0
0
0
0
0
0
12
0
0
0
0
1
7
0
0
0
22
0
22
0.00
0.26
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.92
0.00
0.00
0.00
0.00
0.20
2.30
0.00
0.00
0.00
3.68
0.00
3.68
0
4
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
5
0
5
0.00
0.80
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.25
0.00
0.00
0.00
1.05
0.00
1.05
Ad{Y
91 go 180 {XZ
181 go 1 df
OrdZ
[hV
OrdZ
[hV
H$s g`m
am{e
H$s g`m
am{e
0
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
0
2
0.00
0.37
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.37
0.00
0.37
1 df Ho$ `mXm
OrdZ
[hV
H$s g`m
am{e
Ho$ {bò gy_~r_m Xmdm| H$m Ad{Y AZwgma {ZQ>mam (Jwn dJ)
31 go 90 {XZ
OrdZ
[hV
H$s g`m
am{e
2009-10
0
0.00
1091
175.82
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
49
3.59
0
0.00
136
10.58
0
0.00
0
0.00
0
0.00
0
0.00
1
0.20
1011
389.38
0
0.00
0
0.00
0
0.00
2288
579.57
41175 17188.61
43463 17768.18

OrdZ
[hV
H$s g`m
am{e
{ddaU 35
dm{fH$ [anmoQ>
140
2009-10
dm{fH$ [anmoQ>
2009-10
{ddaU 36
~r_mH$VmZwgma gy_ ~r_m A{^H$VmAm| H$s g`m

~r_mH$Vm
1 Ab,
n[adYZ
KQ>mò Jò
2009 H$mo
2009-10
2009-10
31
_mM
2010
EJmoZ aobrJòa
A{ddm
193
17
210
104
165
140
129
Ho$Zam EMEg~rgr
S>rEbE\$ m_o[aH$m
`yMa OZabr
EMS>rE\$gr Q>S>S>
AmBgrAmBgrAmB w.
14
14
AmBS>r~rAmB \o$S>b
BpS>`m \$Q>
AmBEZOr d`m
H$moQ>H$ _hom
_g `y `mH$
_oQ> bmB\$
arbm`g
13
15
Eg~rAmB bmB\$
lram_
Q>ma `y{Z`Z XmBMr
Q>mQ>m EAmBOr
277
124
400
{ZOr Hw$b
603
309
142
770
EbAmBgr
6647
2071
812
7906
CmoJ Hw$b
7250
2380
954
8676
~OmO A{b`mO
^maVr Egm
{~abm gZbmB\$
ghmam
141
142
08-08-2006
08-08-2006
08-08-2006
02-08-2006
26-06-2006
15-07-2008
ghmam OZH$`mU
Jm_rU e$
Jm_rU gwna gwajm
lr ghm` - Eg.nr.
lr ghm` - E.nr.
Eg`yS>r bmBn namna gwajm bmZ
OoZrarH$ Jwn Q>_

B`moa|g \$a gmoeb gH$Q>a
AmBEZOr gab gwaj_m
17-05-2009
18-03-2007
15-05-2007
01-12-2007
01-12-2007
15-03-2005
27-03-2002
30-11-2007
16-12-2008
30-03-2009
06-08-2002
Omar H$aZo H$s {V{W
EbAmBgr
OrdZ _Ywa
28-09- 2006
OZlr ~r_m `moOZm
10-08-2000
OrdZ _Jb
03-09-2009
Am_ AmX_r ~r_m `moOZm
2-10-2007
* g^r gy_ ~r_m CnmX d dh CnmX Omo{H$ dr.{d.{n.m. (gy_-~r_m) {d{Z`_Z, 2005 H$mo _mZXS>m _| AmVo h, naVw C$ {d{Z`_Zm| go nhbo jo{nV {H$ò Jò &
Q>mQ>m EAmBOr
Q>ma `y{Z`Z XmBMr
Q>mQ>m EAmBOr bmB\$ Am`w_mZ `moOZm

Q>mQ>m EAmBOr bmB\$ ZdH$`mU `moOZm
Q>mQ>m EAmBOr bmB\$ gnyU ~r_m `moOZm
Q>mQ>m EAmBOr gw_Jb ~r_m `moOZm
ghmam gh`moJ
ghmam
Eg~rAmB bmB\$
lram_
_oQ> {ddmg
_oQ> bmB\$
15-07-2008
31-08-2007
31-08-2007
Jwn _H$moB`moa|g bmZ
gd OZ gwajm
~r_m YZ gM`
~r_m gwajm gwna
{~abm gZbmB\$
7-03-2007
7-03-2007
7-03-2007
ES>r~rAmB \o$S>b
AmBgrAmBgrAmB w.
AmBEZOr d`m
~OmO A{b`mO OZ {dH$mg `moOZm

~OmO A{b`mO gab gwajm `moOZm
~OmO A{b`mO EEbnr {Zdoe`moOZm
~OmO A{b`mO
Ho$S>rQ> bg
16-03-2007
gd gwajm
Jm_rZ gwajm
A{ddm
CnmX H$m Zm_ Jwn dJ
Omar H$aZo H$s {V{W
S>rEbEn nm_o[aH$m
CnmX H$m Zm_ `{$JV dJ
~r_mH$Vm
OrdZ ~r_mH$VmAm| Ho$ gyj_ ~r_m CnmXm| H$m {ddaU*
{ddaU 37
dm{fH$ [anmoQ>
2009-10
143
10499.02
2869.87
4812.79
2868.15
2969.63
13520.44
(13.45)
184.44
185.68
213.33
233.93
211.66
296.48
14.79
9.49
1349.80
(188.64)
14870.25
(20.06)
374.78
2002-03
3399.97
4921.47
2899.74
3063.47
14284.65
(5.65)
257.76
161.06
322.24
343.52
486.73
476.53
97.05
112.95
2257.83
(67.27)
16542.49
(11.25)
445.48
369.21
2003-04
BgrOrgr
Q>ma hoW
Anmobmo `w{ZH$
_mg ~wnm
EAmBgr
{Q>nUr: H$moo>H$ _| {Xò Jò AmH$S>o JV df H$s VwbZm _| d{ H$mo {VeV _| XemVo h
- `dgm` ew$ Zht {H$`m J`m H$mo XemVm h &
Hw$b
0.24
1.07
5.83
7.14
2439.41
4198.06
2498.64
2781.48
11917.59
(13.59)
71.13
77.46
70.51
78.46
28.13
141.96
467.65
(6453.98)
12385.24
(17.97)
338.52
2227.73
3493.05
2247.10
2524.00
10491.88
ZoeZb
`y B{S>`m
Amo[aEQ>b
`yZmBQ>oS>
gmdO{ZH$ jo
am`b gwXa_
{abm`g
BH$mo Q>mo{H$`mo
Q>mQ>m EAmBOr
AmBgrAmBgrAmB b~mS>
~OmO AbmÒ
Mmobm_S>b_
EMS>rE\$gr BaJmo
`yMa OZabr
`y{Zdgb gmonmo
lram_
^maVr Egm
ahoOm ~r`wB
{ZOr jo
2001-02
2000-01
~r_mH$Vm
3810.65
5103.16
3090.55
2944.46
14948.82
(4.65)
330.70
161.68
496.64
448.24
873.86
851.62
169.25
175.63
3507.62
(55.35)
18456.45
(11.57)
515.55
549.72
2004-05
3536.34
5675.54
3609.77
3154.78
15976.44
(6.87)
458.64
162.33
892.72
572.70
1582.86
1272.29
220.18
200.94
5362.66
(52.89)
21339.10
(15.62)
577.33
555.83
2005-06
3827.12
5936.78
4020.78
3498.77
17283.45
(8.18)
598.20
912.23
1144.47
710.55
2989.07
1786.34
311.73
194.00
8646.57
(61.24)
25930.02
(21.51)
617.66
22.51
564.67
2006-07
4021.97
6151.97
3900.22
3739.56
17813.71
(3.07)
694.41
1946.42
1128.15
782.64
3307.12
2379.92
522.34
220.60
9.81
0.48
10991.89
(27.12)
28805.60
(11.09)
668.37
168.19
2.97
835.11
2007-08
JaOrdZ ~r_mH$VmAm| H$m gH$b `j r{_`_ (^maV VWm ^maV go ~mha)
4295.85
6455.79
4077.90
4277.77
19107.31
(7.26)
803.36
1914.88
1374.06
823.92
3402.04
2619.29
685.44
339.21
186.49
30.14
113.76
28.50
12321.09
(12.09)
31428.40
(9.11)
744.68
509.86
48.14
833.44
2008-09
4645.99
7099.14
4854.67
5239.05
21838.85
(14.30)
913.11
1979.65
1457.84
853.80
3295.06
2482.33
784.85
915.40
376.61
189.28
416.93
310.82
1.32
13977.00
(13.44)
35815.85
(13.96)
813.00
961.65
114.66
0.13
1520.70
2009-10
(` H$amoS> _o)
[ddaU 38
dm{fH$ [anmoQ>
2009-10
144
218036
4884
13684
19528
14476
28302
25306
5384
5879
1609
1076
22
280
257598
4081
13957
17162
14340
27006
24006
4777
13297
3429
4254
174
2833
2
544
385
1536
2489
4239
7394
14657
11511
13241
2961
2302
155496
45356
216759
57279
65225
38812
338468
44065
57342
47430
61263
77333
92378
23897
735562
17
18451
41148
7890
20978
28992
45010
144555
137916
22975
73067
131871
62691
769137
182664
161106
207094
218273
613465
1739
11272
392
9488
15878
31953
150339
132129
22479
68324
116482
52991
720137
156348
149130
200029
214629
2008-09
_moQ>a
2009-10
195615 1504699 1333602
63976
61
54
663
829
3656
8817
21647
11182
11370
3700
1997
131639
33693
33259
44610
20078
2008-09
g_wr
2009-10
120432
39359
42653
13
2008-09
A{
2009-10
Hw$b `moJ
129329
gH$b Hw$b
386927
# `dgm` df 2009-10 _| ew {H$`m
ZoeZb
`y B{S>`m
Amo[aEQ>b
`yZmBQ>oS>
gmdO{ZH$ jo
am`b gwXa_
{abm`g
BH$mo Q>mo{H$`mo
Q>mQ>m EAmBOr
AmBgrAmBgrAmB b~mS>
~OmO AbmÒ
Mmobm_S>b_
EMS>rE\$gr BaJmo
`yMa OZabr
`y{Zdgb gmonmo
lram_
^maVr Egm
ahoOm ~r`wB
~r_mH$Vm
731137
233021
4919
1741
8231
26874
14951
29555
85676
8230
16422
23875
12547
498116
126541
108454
155247
107874
2009-10
608800
222453
151
308
5081
5601
16589
33343
97380
7389
14099
31082
11431
386346
90072
70985
135567
89722
2008-09
dm`
622522
238525
100
4334
366
4659
3488
19889
9508
42724
64252
28324
25893
25301
9689
383997
104119
107957
102102
69819
2009-10
A`
523905
473671
604251
462517
2009-10
Hw$b
427777
396423
550883
427990
2008-09
(` bmIm| _|)
132
31082
41693
18928
37661
91540
78485
248233
329506
85380
145784
197965
91311
2850
11376
3014
18649
33921
68544
261929
340204
82392
137406
191488
80336
558698 3462045 3035183
211783 1397700 1232109
618
82
1184
1808
5735
10962
44123
60744
26866
24086
26541
9034
346915 2064345 1803074
90385
98983
93344
64202
2008-09
Ja OrdZ ~r_mH$VmAm| H$s IS>mZwgma ^maV _| gH$b `j r{_`_ Am`
[ddaU 39
dm{fH$ [anmoQ>
2009-10
145
(28)
145
6131
13428
2790
100672
492606
(170)
1839
33
3613
12819
25128
129582
97462
28172
52382
99023
42723
644631
124757
132452
202240
185183
94583 1275832 1137237
572756
(5)
21880
(22)
13
13527
23777
107
251
20205
(57)
192
301
32489
125527
111243
27442
61245
105072
53713
703075
148316
140706
217301
196753
2008-09
_moQa
2009-10
(5)
1145
4460
3969
1216
1511
1800
5476
754
1045
5643
72703
76896
2728
18623
21170
3228
18500
18937
5563
23177
23766
6169
12403
13022
2008-09
g_wr
ZoeZb
35335
29442
`y B{S>`m
106758
96292
Amo[aEQ>b
36473
31493
`yZmBQ>oS>
41045
40861
gmdO{ZH$ jo
219612 198088
am`b gwXa_
1293
1495
{abm`g
4074
4151
BH$mo Q>mo{H$`mo
4684
6049
Q>mQ>m EAmBOr
2011
2064
AmBgrAmBgrAmB b~mS>
8993
10104
~OmO AbmÒ
11847
11588
Mmobm_S>b_
1597
2032
EMS>rE\$gr BaJmo
332
88
`yMa OZabr
301
92
`y{Zdgb gmonmo
1263
(267)
lram_
75
(40)
^maVr Egm
234
(37)
ahoOm ~r`wB
(74)
Hw$b `moJ
36629
37319
gH$b Hw$b
256241 235407
# `dgm` df 2009-10 _| ew {H$`m
A{
2009-10
2009-10
2008-09
~r_mH$Vm
575340
181542
1504
1056
3879
16401
6196
25854
75166
6531
12350
22176
10429
393798
97202
80769
126900
88927
2009-10
469438
159951
18
44
1802
3635
5518
23121
68475
8792
11055
27692
9799
309487
70011
54577
116900
67999
2008-09
dm`
IS>mZwgma ew r{_`_ Am` (m {H$`m)

A`
391935
89749
(195)
351
100
2402
790
2766
4730
19549
20651
16820
9974
6803
5006
302186
76086
82197
96361
47542
2009-10
Hw$b
383819
359083
571086
381579
2009-10
319910
306680
524930
342236
2008-09
904453
(331)
8364
13605
7524
18748
40006
46229
188420
219282
58973
92222
139925
71486
790741
(278)
1715
(87)
5682
17947
38536
189127
197365
58748
83293
138886
59806
347831 2600020 2284497
78985
(60)
(79)
124
67
1213
4714
19360
18597
14156
9347
6509
5035
268847 1695567 1493756
65658
69659
86320
47210
2008-09
(` bmIm| _|)
[ddaU 40
dm{fH$ [anmoQ>
2009-10
465
51
419
1746
921
19
208
A{
g_w{ (_mb)
g_w{ (noQ>m)
A{^`{H$s
146
140
6534
233
294
2851
78
0
1040
310
2759
5111
372
4288
50340 13729
Xm{`d ~r_m
`{$JV XwKQ >Zm
d`m ~r_m
{dXoer d`m ~r_m
Hw$b
{ddX
\$gb ~r_m
3018
15048
dmhZ VVr` nj
193
349
261
11
864
4203
19558
4596
36
75
2819
74
27
369
80
15
518
1578
25
42
86
6875
1907
589
46
757
713
572
1171
18
12
1084
3219
336
1457
166
144
181
447
24
443
{ZJ{_V A{^H$Vm
~H$
A`
nm{bgr r{_`_ nm{bgr r{_`_
dmhZ H$s j{V
1075
`{$JV
A{^H$Vm
nm{bgr r{_`_
Mb Ho$ H$ma
5332
341
36
154
628
325
51
1206
2070
66
233
216
nm{bgr
5665
496
14
18
1335
155
323
546
931
478
106
417
847
r{_`_
Xbmb
886
155
25
83
57
78
378
101
1793
1237
2094
887
62
4829
6434
99
27
321
589
1486
31
149
2981
344
216
1354
2044
680
777
518
1370
`j
{dH$`
nm{bgr r{_`_
526 18374 11949
77
74
14
76
238
26
ao\$ab
`dWm
nm{bgr r{_`_
OrdZ ~r_m H$mVmAm| H$m {Zdoe: gmYZ Ho$ AZwgma
646
50
21
20
160
16
135
232
nm{bgr
A`
400
52
1529
3818
nm{bgr
8673
655
2047
9182
5017
442
3558
1514
290
7911
1036
801
5857
9486
1669
963
1465
3919
r{_`_
561 88987 38469
47
11
134
165 22733
45 34439
39
21
13
73
r{_`_
Hw$b
(` bmIm| _o)
[ddaU 41
dm{fH$ [anmoQ>
2009-10
A{
27228.80
AmY Xoe
A$UmMb Xoe
53.63
Ag_
2914.87
{~hma
1617.41
N>mrgJT>
2687.41
Jmodm
1386.06
JwOamV
34836.08
h[a`mUm
16259.74
{h_mMb Xoe
1619.11
O_y Ama H$_ra
1798.92
PmaIS>
1153.43
H$ZmQ>H$
18799.26
Ho$abm
7818.31
_` Xoe
5448.58
_hmam>m
129432.63
_{Unwa
33.02
_oKmb`
218.84
{_Omoa_
127.54
ZmJmbS>
51.58
CS>rgm
3607.16
nOm~
10607.21
amOWmZ
6679.51
{g[$_
33.13
V{_bZmSw>
33850.54
rnwam
163.68
Cma Xoe
13642.69
CmamIS>
2162.69
n{_ ~Jmb
20884.67
AS>_mZ VWm {ZH$mo~ma rng_yh 90.43
MS>rJT>
2903.16
XmXa VWm ZJa hdobr
153.17
X_Z Ama Xrd
175.00
{Xr
40800.26
bjrn
0.00
nwSw>Moar
389.37
Hw$b
389627.90
am`/Ho$
em{gV Xoe
g_w{ A{^`{H$m
(noQ>m)
_moQ>a
AmoS>r
_moQ>a
Q>rnr
Xm{`d
`{$JV
XwKQ>Zm
dmW`
{dXoer
dm`
\$gb
~r_m
{d{dX
Hw$b
(` bmIm| _o)
5864.20
1308.13 24308.82 65922.97 39117.93
3953.29
6458.49 80114.34
2311.96 24010.09 19820.21 300419.22
10.63
0.00
5.84
508.71
208.15
2.46
5.16
4.13
0.00
0.00
39.93
838.63
567.72
22.47
1532.63 13988.64
8710.14
234.20
367.15
1348.02
16.77
232.12
1951.22 31885.96
216.43
3.06
514.24 15352.80
9078.56
201.70
568.38
753.17
18.20 24762.00
7456.50 60542.45
697.07
8.79
1467.81 13817.16
8025.11
567.17
857.84
1079.46
29.66
3010.94
4491.98 36740.41
611.02
1216.56
362.12
7387.75
4350.12
183.54
273.27
1463.31
95.04
0.09
458.37 17787.25
8507.62
4880.49
9441.70 61792.52 38210.81
4929.76
7956.86 52428.08
2050.74 11230.19 20994.32 257259.17
5270.25
2003.41
4956.84 42930.09 28882.76
1941.22
3313.47 17916.48
376.55
625.51 12393.35 136869.67
145.57
0.10
254.64
5263.72
3988.16
144.05
143.97
663.19
13.36
355.94
1261.88 13853.70
250.46
0.16
436.28
7969.07
5633.28
130.65
479.74
310.38
22.14
12.04
2512.89 19556.01
294.97
0.00
774.54 10426.96
5723.17
151.86
905.17
5570.95
74.88
2833.16
1862.48 29771.56
6799.05
836.61
7296.06 68105.98 41944.12
9394.56
5999.21 71818.08
2666.96
5365.27 20759.44 259784.61
1045.58
459.44
1374.58 52761.91 40530.43
1031.46
2580.78 18360.45
735.68
434.63 10602.85 137736.09
2728.10
0.81
1785.50 32578.64 22020.41
687.23
1093.27
7267.99
202.75 14676.21
8103.22 96592.70
34353.56 77810.65 49675.01 140754.46 73778.06 32980.44 35857.24 248118.50 12069.10 11389.52 104927.18 951146.34
4.49
0.00
2.46
424.88
207.01
15.42
1.74
18.52
0.05
74.79
83.00
865.38
14.13
0.85
62.45
1068.41
775.17
10.04
27.58
48.16
1.78
34.06
157.31
2418.79
1.16
0.00
3.68
480.61
336.79
5.17
5.24
0.24
0.00
0.60
102.25
1063.28
11.54
0.00
6.91
531.59
291.93
9.59
0.39
246.33
0.00
0.00
109.04
1258.89
716.23
34.75
2294.87 18057.92 11449.65
321.99
917.25
1565.81
27.39
5828.57
4309.52 49131.11
1940.63
389.89
3127.77 34124.76 17603.34
471.89
1381.70
5534.47
475.45
45.63
9193.13 84895.87
2666.68
6.90
1458.09 44900.66 29403.83
746.16
3716.78
6202.14
261.29 21978.18 14066.34 132086.55
11.48
0.00
105.87
476.63
301.10
11.57
6.60
26.86
1.25
0.77
49.10
1024.35
11579.74
5482.63 14755.19 89408.40 64001.66
6145.58
9506.66 116148.00
2833.01
6952.43 28773.14 389436.98
18.41
0.00
70.44
1515.61
1025.53
23.58
98.99
458.01
0.08
16.23
206.17
3596.74
4586.12
502.63
4193.64 65333.62 39283.43
1502.98
4582.23 24462.50
406.85
8683.83 26237.86 193418.39
443.90
2.87
436.35
8235.24
5670.08
231.58
289.83
1426.18
39.71
426.62
2386.64 21751.71
7272.60
426.99 10984.37 38607.45 24502.52
2562.86
2612.93 40638.00
887.30
8389.74 14339.21 172108.62
17.84
74.06
7.72
199.21
185.75
1.21
1.91
3.48
0.01
0.53
21.07
603.22
1036.71
1.00
1071.08 12941.02
6501.80
234.42
497.71
6467.05
377.17
0.00
2199.17 34230.29
23.86
0.00
25.50
139.66
136.24
56.26
9.93
94.62
1.07
0.00
24.00
664.31
54.90
0.34
40.88
142.58
123.78
33.67
17.41
182.19
0.00
0.00
29.58
800.32
27652.74
949.60 22799.96 76030.09 28114.50
8772.08
9823.64 86777.93
2957.53
0.00 31571.83 336250.15
0.00
0.00
0.00
0.19
1.20
0.00
2.40
0.22
0.00
0.00
0.00
4.01
105.68
2.82
52.51
2302.65
1215.08
31.97
82.06
432.55
20.39
20.32
206.40
4861.78
125521.05 96426.03 165686.31 934482.58 561331.61 77721.59 100442.98 797949.81 28974.08 151390.01 351700.58 3781254.52
g_w{
_mb
am`mZwgma 2009-10 Ho$ {bò ew r{_`_ Am`
ddaU 42
dm{fH$ [anmoQ>
147
2009-10
dm{fH$ [anmoQ>
2009-10
[ddaU 43
2009-10
Ho$ {bò Ja-OrdZ ~r_mH$VmAm| Ho$ ew AdamoY

({VeV _|)
ew AdamoY*
{d^mJ
A{
g_wr _mb
g_wr noQ>m
dmhZ
A{^`{H$s
hdmB
{d{dY
Hw$b
* Ho$db
73.99
85.35
23.31
99.99
68.88
25.64
91.39
90.30
Xoe _|
148
149
21170 148316
76896 703075 393798 302186 1695567 1493756 178101
219612
Hw$b
97202
76086 383819 319910
19807
20288
41045
47542 381579 342236
`wZmBQ>S>
88927
13022 196753
35335
31128
ZoeZb
82197 359083 306680
96361 571086 524930 106878
96511
37200 332924 251505
32846 324536 339367
51548 326018 305719
58058 617574 471982 171008 1496723 1363779
21852 126182 127884
4752 170140
12379 126844 104119
2008-09
36.49
65.37
81.10
75.50
48.26 103.22
57.42
85.35
80.26
87.84 119.85
85.08 131.56
86.47 108.53
90.15 128.91
89.47 113.06
56.59
48.89
69.09
62.71
51.28
88.27
86.74
85.05
90.79
89.87
CnJV Xmdm| H$m AZwnmV

A{ g_w{ _moQ>a dm` A` 2009-10
({VeV)
49415 513245 467187 100.11
CnJV Xmdo (ew)

_moQ>a dm` A` 2009-10
(` bmIm| _|)
19075 194409 143468
A{ g_w{
18937 140706
80769
23766 217301 126900
2008-09
36473
106758
A{ g_w{
ew A{OV r{_`_
_moQ>a dm` A` 2009-10
(` bmIm| _|)
Amo[aEQ>b
`y B{S>`m
{ddaU
CJVZ Xmdm| H$m AZwnmV - gmdO{ZH$ jo Ja OrdZ ~r_mH$Vm
91.30
78.62
99.16
99.69
89.00
2008-09
{ddaU 44
dm{fH$ [anmoQ>
2009-10
150
0
1504
1056
3879
6196
7524
(195)
351
(331)
8364
100 13605
2402
790 18748
(278)
1715
(87)
5682
2766 40006 17947
4730 46229 38536
906
63
879
549
522
1215
6877
6581
1022
4383
3172
494
5099
3859
8626 39637 35567
5872 73267 69502
4514 118569 107366
2089 50907 41235
2008-09
7277
178
88
14
5175
9497
2244
301 11522
1536
1445
4033
465 17408 19362
993 21535
98.95
65.28
76.05
58.05
73.18
50.83
81.65
81.11
82.64
76.57
93.57 102.93
77.86
38.18
30
826
38
1094
45
8619
9599
5749
511 16915
84.30
78.95
69.60 673.85
72.79
86.40
69.36
90.06
59.10
37.62
70.56 69.97
45.52 76.41 -277.23
64.63 90.23 105.65
66.15 98.95 80.73
72.18 74.49 71.56
59.55 73.59 71.90
50.87 86.77 85.35
51.28 67.21 60.54
58.87 79.45 83.44
66.37 84.74 77.30
41.72 71.21 68.95
2008-09
80.42
92.22
56.81 80.30 76.88
(15.13) (13.71)
84.41 102.10 235.29 103.05 -103.97
70.73
80.42 136.86
85.18 103.99
86.16 118.05
66.28 117.45
77.78
92.42
78.01
74.17 109.30
(1.49) (10.32) (24.98)
289 387.66 122.52
1200
241
6003 182.34 119.88
48.89
79.39 115.83
79.21
CnJV Xmdm| H$m AZwnmV

A{ g_w{ _moQ>a dm` A` 2009-10
({VeV)
1830 39586 14489 157.05 154.59
3414 34434 27578
4577 97630 17931 11641 138657 135992
2668 102816 67693 10504 190263 168454
4724 21407
4085 45428 13499
1781 83414 25687
682 42544
A{ g_w{
CnJV Xmdo (ew)

_moQ>a dm` A` 2009-10
(` bmIm| _|)
36629 23777 572756 181542 89749 904453 790741 26663 20543 460633 167422 50989 726249 607916
(57)
9974 92222 83293
6531 16820 58973 58748
*H$mo>H$ _| {Xò Jò AmS>o ZH$mam_H$ _y` XemV} h &
Hw$b
(5)
6131
2 13428
(74)
13
1263
`y{Zdgb gmonmo
ahoOm `y~rB
251 13527
301
`yMa OZabr
145
301 20205 16401
332
EMS>rE\$gr BaJmo
234
1216 32489
1597
Mmobm_S>b_
^maVr Egm
5643 125527 25854 19549 188420 189127
11847
~OmO AbmÒ
75
3228 111243 75166 20651 219282 197365
8993
AmBgrAmgAmB b~mS>
lram_
6169 27442
2011
Q>mQ>m EAmBOr
2790
3969 61245 12350
4684
BH$mo Q>mo{H$`mo
6803 139925 138886
1800 105072 22176
4074
[abm`g
5006 71486 59806
1045 53713 10429
2009-10 2008-09
1293
A{ g_w{
ew r{_`_
_moQ>a dm` A`
(` bmIm| _|)
am`b gwXa_
{ddaU
CJVZ Xmdm| H$m AZwnmV - {ZOr jo Ja OrdZ ~r_mH$Vm
[ddaU 45
dm{fH$ [anmoQ>
2009-10
2008-09
550031
467187
84.94%
201583
36.65%
25101
4.56%
(143840)
-27.40%
167686
5876
29723
(7308)
22415
600263
513245
85.50%
229743
38.27%
29180
4.86%
(171905)
-30.10%
214082
-6249
35927
4540
ew r{_`_
^wJVmZ H$aZo Ho$ ew Xmdo
H$_reZ, ~YH$ Ho$ IM Ed A`
g_` gr_m g_m Zhr hò

Omo{I_m| Ho$ {bò [aOd _| d{
~r_m bm^/hm{Z
gH$b {Zdoe Am`
A` Amb` KQ>mò: A` Xygao IM
H$a go nyd bm^
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H$a Ho$ {bò moV Ed mdYmZ
H$a Ho$ ~mX ew bm^

40467
H$mo>H$ _| Xemò Jò AmH$S>o ZH$mam_H$Vm H$mo XemVo h &
`y B{S>`m
2009-10
{ddaU
151
(4425)
(13249)
8823
(1983)
116944
(106138)
-29.56%
37170
9.38%
139202
35.13%
326018
82.28%
396253
2009-10
(5266)
3576
(8842)
2182
99562
(110586)
-36.06%
16830
5.20%
111546
34.48%
305719
94.50%
323510
2008-09
Amo[aEQ>b
22486
(4373)
26859
(20010)
134845
(87976)
-23.06%
16187
4.07%
145019
36.46%
324536
81.59%
397765
2009-10
ZoeZb
(14921)
(1567)
(13354)
(3731)
103962
(113585)
-33.19%
23127
6.33%
116454
31.87%
339367
92.88%
365363
2008-09
70779
(11505)
82284
1526
168857
(88099)
-22.95%
35196
8.40%
138994
33.17%
332924
79.45%
419016
2009-10
47605
(2686)
50291
(3797)
108767
(54679)
-17.09%
31131
8.87%
123084
35.06%
251505
71.65%
351041
2008-09
`wZmBQ>oS>
~r_m boIZ AZw^d Ed gmdO{ZH$ jo H$s H$n{Z`m| H$m bm^
129307
(24587)
153894
(26715)
634727
(454118)
-26.78%
117733
6.49%
652958
36.01%
1496723
82.54%
1813297
2009-10
Hw$b
49833
(7985)
57818
529
479978
(422690)
-28.30%
96189
6.05%
552667
34.76%
1363779
85.78%
1589946
2008-09
(` bmIm| _o)
[ddaU 46
dm{fH$ [anmoQ>
2009-10
152
26474
35.08%
3974
5.27%
(5894)
-8.25%
9278

~r_m bm^/hm{Z
gH$b {Zdoe Am`
(304)
3097
Am`H$a H$Q>m hAm

H$a Ho$ ~mX ew bm^

566
(407)
973
7557
(6591)
-11.02%
7026
10.51%
25161
37.65%
41235
61.70%
66831
H$mo>H$ _| Xemò Jò AmH$S>o ZH$mam_H$Vm H$mo XemVo h &
3401
H$a go nyd bm^
18
50907
67.46%
75460
ew r{_`_
2008-09
am`b gwXa_
2009-10
12083
(5898)
17980
2909
23336
(8265)
-4.39%
8747
4.44%
58028
29.43%
138657
70.32%
197167
2009-10
9516
(5461)
14977
2628
21475
(9126)
-4.83%
11532
5.75%
62261
31.03%
135992
67.77%
200658
2008-09
~OmO A{b`mO
670
(509)
1178
78
9008
(7908)
-13.41%
(973)
-1.68%
27244
46.97%
39637
68.34%
58000
2009-10
424
(526)
950
(536)
7172
(5686)
-9.68%
0
0.00%
28867
49.14%
35567
60.54%
58749
2008-09
Q>mQ>m EAmBOr
(5043)
4012
(9055)
(1140)
15313
(23228)
-16.60%
2947
2.06%
44583
31.21%
118569
82.99%
142872
2009-10
(5232)
(215)
(5017)
(199)
14650
(19468)
-14.02%
1070
0.76%
50989
36.43%
107366
76.71%
139956
2008-09
{abm`g
2538
(1323)
3861
539
11991
(8669)
-9.42%
7040
7.10%
27446
27.70%
73267
73.94%
99083
2009-10
250
(442)
692
(0.36)
10541
(9849)
-11.82%
5275
5.96%
23639
26.69%
69502
78.47%
88568
2008-09
BH$mo Q>mo{H$`mo
~r_m boIZ AZw^d Ed {ZOr jo H$s H$n{Z`m| H$m bm^
14393
(1438)
15831
(2815)
47246
(28600)
-13.04%
12126
5.24%
57619
24.90%
190263
82.22%
231409
2009-10
2362
2335
27
(5159)
36574
(31388)
-15.90%
14282
6.75%
60300
28.49%
168454
79.59%
211648
2008-09
AmBgrAmggrAmB b~mS>
236
51
185
314
5326
(5455)
-11.80%
5235
10.17%
17250
33.52%
34434
66.91%
51463
2009-10
699
(486)
1185
(30)
3851
(2636)
-6.84%
4877
11.23%
13595
31.31%
27578
63.52%
43414
2008-09
Mmobm_S>b_
(` bmIm| _o)
[ddaU 47
dm{fH$ [anmoQ>
2009-10
153
(9446)
H$a go nyd bm^

(53)
(2521)
42
2695
(5259)
(25.03%)
1529
7.85%
8717
44.75%
14489
74.39%
19477
2008-09
H$a Ho$ ~mX ew bm^

(9430)
(2575)
ZmoQ>: H$mo>H$ _| Xemò Jò AmH$S>o ZH$mam_H$Vm H$mo XemVo h &
16
(117)
Am`H$a H$Q>m hAm

4787
gH$b {Zdoe Am`
(14116)
(18.16%)
~r_m bm^/hm{Z
14535
24.69%
18863
32.04%
39586
67.25%

58868
ew r{_`_
2009-10
EMS>rE\$Or BaJmo
6861
53.83%
9142
71.73%
6003
47.10%
12745
2008-09
(8970)
(8970)
(118)
1863
(8533)
(37)
(8496)
(410)
1174
(10716)
(9260)
(57.16%) (157.35%)
5900
23.94%
12548
50.91%
16915
68.63%
24647
2009-10
`yMa OZabr
1882
104.84%
2843
158.37%
241
13.42%
1795
2008-09
(5207)
146
(5353)
(163)
2064
(1439)
(20)
(1419)
(11)
1763
(7254)
(3171)
(96.41%) (3647.64%)
7293
49.22%
9029
60.93%
5749
38.80%
14817
2009-10
`w{Zdgb gmonmo
1587
(887)
2474
(11)
1940
545
4.00%
8815
39.32%
3461
15.44%
9599
42.82%
22420
2009-10
(390)
139
(529)
(78)
902
(1354)
(12.87%)
4402
71.96%
1869
30.56%
1200
19.62%
6117
2008-09
lram_
(14230)
(4)
(14226)
(317)
909
45
(16.09%)
(282)
2009-10
ahoOm `y~rB
1520
122.38%
(5775)
(44)
(5732)
(597)
765
(579)
(579)
(13)
1006
(1571)
474.56%
49
(17.32%)
5333
1195
429.48% (423.36%)
289
23.26%
1242
2008-09
(14819)
(5899)
(51.15%) 2123.20%
10305
55.20%
14564
78.01%
8619
46.17%
18669
2009-10
^maVr Egm
~r_m boIZ AZw^d Ed {ZOr jo H$s H$n{Z`mo Ho$ bm^
(8856)
(6136)
(2720)
(836)
134067
(135951)
(15.03%)
90320
9.08%
313976
31.57%
726249
73.02%
994594
2009-10
Hw$b
(10126)
(5216)
(4910)
(4343)
109120
(109687)
(13.87%)
60256
7.08%
292715
34.39%
607916
71.42%
851199
2008-09
(` bmIm| _o)
Omar... [ddaU 47
dm{fH$ [anmoQ>
2009-10
am` gaH$ma
VWm A` AZw_mo{XV
{V^y{V`m
Ka Ed E\$E\$B
Ho$ {bò F$U
gaMZm
{Zdoe
AZw_mo{XV
{Zdoe
A`
{Zdoe
Hw$b
{Zdoe
(` H$amoS>o _o)
242.57
190.43
24.93
31.48
24.38
16.60
14.81
9.58
14.51
4.96
10.02
0.00
0.00
984.50
4244.15
311.60
0.00
0.00
40.23
24.04
29.16
10.01
0.00
0.00
0.00
93.31
10.50
1132.48
6971.21
126.01
0.00
356.10
104.66
80.71
69.36
100.19
141.09
35.72
456.35
418.74
903.06
3259.65
415.43
744.02
766.35
828.61
1139.50
5838.73
1140.53
2285.80
154
4789.74
1179.78
7.53
49.26
10.01
15.24
14.59
13.32
26.62
21.49
40.14
45.85
15.00
204.33
216.61
115.10
128.59
145.08
111.04
3609.96
424.99
850.54
419.85
714.53
1200.05
8979.82
2490.36
0.00
0.00
20.13
16.13
50.65
12.39
44.56
25.14
45.87
45.08
19.93
706.07
556.71
225.19
169.92
217.90
334.71
6489.46
574.72
1441.96
1083.46
1781.67
1607.65
10373.01
3288.92
12.52
156.69
25.19
36.94
112.14
33.01
76.38
60.34
171.30
96.89
24.97
765.96
757.84
217.58
192.92
218.76
329.49
7084.09
827.28
1168.64
1209.25
1792.49
2086.43
21030.50
3311.48
0.00
0.00
77.76
62.61
21.86
41.96
18.50
25.00
95.98
167.52
11.21
845.53
776.31
94.93
385.47
217.54
469.30
17719.02
2129.84
2991.46
1776.08
3411.45
7410.20
24256.10
4816.04
35.96
276.23
87.47
136.67
52.08
44.55
66.39
30.64
183.71
252.02
86.89
1208.62
827.46
130.66
545.41
251.79
599.51
19440.06
2473.33
3728.47
1883.89
4717.07
6637.31
3970.65
367.90
0.00
0.00
0.00
10.68
4.00
3.77
22.12
0.00
14.28
1.38
5.00
286.62
0.00
4.92
0.00
0.00
15.12
3602.75
325.95
771.71
538.06
442.07
1524.96
3943.74
521.32
4.92
0.00
0.00
20.91
0.00
2.59
7.99
11.83
17.23
0.00
28.09
333.86
2.79
2.04
0.00
0.05
89.01
3422.42
310.11
578.13
640.16
388.97
1505.03
58893.27
11111.02
0.00
0.00
187.49
119.03
140.55
102.45
160.97
207.64
273.59
371.52
92.09
3176.85
2354.13
714.43
1058.02
788.31
1363.97
47782.25
6153.53
8368.51
5758.74
10771.71
16729.76
66371.92
14684.83
102.53
636.32
181.83
275.21
278.16
139.20
276.00
258.19
624.13
574.23
256.05
3642.70
2739.89
855.97
1279.50
908.26
1656.66
51687.09
6731.16
9254.22
6369.80
11851.03
17480.88
31-Mar-09 31-Mar-10 31-Mar-09 31-Mar-10 31-Mar-09 31-Mar-10 31-Mar-09 31-Mar-10 31-Mar-09 31-Mar-10 31-Mar-09 31-Mar-10 31-Mar-09 31-Mar-10
gr.Or. r{V^y{V`m
OrAmBgr
3228.88
3766.25
1817.55
`y BpS>`m
3042.10
3098.47
1265.81
ZoeZb
1405.12
1472.64
540.59
`yZmBQ>oS>
1720.38
2025.37
1024.26
Amo[aEQ>b
1980.17
1929.10
686.49
Hw$b (E)
11376.65 12291.84 5334.70
[abm`g
389.24
386.52
55.41
am`b gwXa_
172.87
211.88
75.34
BH$mo Q>mo{H$`mo
376.62
412.58
0.00
Q>mQ>m EAmBOr
179.95
354.86
140.09
~OmO A{b`mO
519.16
579.09
259.38
AmBgrAmBgrAmB b~mS>
956.72
818.33
191.48
Q>ma hoW
31.01
101.10
0.00
Mmobm_S>b_
126.06
179.47
0.00
EMS>rE\$gr BaJmo
93.08
171.53
0.00
`y{Zdgb gmonmo
128.93
109.86
11.98
`yMa OZabr
59.40
69.46
1.57
Anmobmo S>rHo$dr
27.78
35.72
6.97
lram_
49.53
99.35
0.00
^maVr Egm
24.65
65.45
0.00
ahoOm `y~rB
79.57
59.16
0.00
Eg~rAmB OZab
0.00
60.83
0.00
_mg ~wnm
0.00
31.10
0.00
Hw$b (~r)
3214.57 3746.29
742.21
Hw$b (E+~r)
14591.22 16038.12 6076.92
~r_mH$Vm
Ja OrdZ ~r_mH$Vm H$s gn{m`m| H$m ~YZ
{ddaU 48
dm{fH$ [anmoQ>
2009-10
2009-10
dm{fH$ [anmoQ>
[ddaU 49
Ja OrdZ ~r_m H$n{Z`m| H$s B{$Q>r eoà nyOr

(` H$amoS>o _o)
~r_mH$Vm
am`b gwXa_
{abm`g
~OmO A{b`mO
BH$mo Q>mo{H$`mo
Q>mQ>m EAmBOr
AmBgrAmBgrAmB bm~mS>
EMS>rE\$gr BaJmo
Mmobm_S>b_
`yMa OZabr
`y{Zdgb gmonmo
^maVr Egm
lram_
ahoOm `y~rB
Eg~rAmB OaZb*
Hw$b
`yZmBQ>oS> BpS>`m
`y BpS>`m
Amo[a`Q>b
ZoeZb
Hw$b
Hw$b Ja OrdZ
BgrOrgr
EAmBgr
Q>ma hoW
Anmobmo _w{ZM
_mg ~wnm*
OrAmBgr
Hw$b `moJ Ja ~r_m
As on
31st March
2009
Infusion
During
2009-10
210.00
0.00
113.08
As on
31st
March 2010
Foreign
Promoter
Indian
Promoter
FDI (%)
210.00
54.60
155.40
26.00
2.14
115.22
0.00
115.22
0.00
110.23
0.00
110.23
28.66
81.57
26.00
247.00
0.00
247.00
64.22
182.78
26.00
300.00
0.00
300.00
78.00
222.00
26.00
403.14
0.50
403.63
104.54
299.09
25.90
200.00
215.00
415.00
107.90
307.10
26.00
141.96
125.00
266.96
69.41
197.55
26.00
190.25
89.75
280.00
71.40
208.60
25.50
150.00
0.00
150.00
39.00
111.00
26.00
162.58
37.42
200.00
44.44
155.56
22.22
105.00
0.00
105.00
27.30
77.70
26.00
200.00
7.00
207.00
53.82
153.18
26.00
150.00
150.00
39.00
111.00
26.00
2533.23
626.81
3160.04
782.30
2377.74
24.76
150.00
0.00
150.00
0.00
150.00
0.00
200.00
0.00
200.00
0.00
200.00
0.00
100.00
0.00
100.00
0.00
100.00
0.00
100.00
0.00
100.00
0.00
100.00
0.00
550.00
0.00
550.00
0.00
550.00
0.00
3083.23
626.81
3710.04
782.30
2927.74
21.09
900.00
0.00
900.00
0.00
900.00
0.00
200.00
0.00
200.00
0.00
200.00
0.00
109.30
55.03
164.33
42.36
121.97
25.78
107.37
21.93
129.30
32.41
96.89
25.06
151.00
151.00
39.26
111.74
26.00
430.00
0.00
430.00
0.00
430.00
0.00
4829.90
854.77
5684.67
896.32
4788.35
15.77
ZmoQ>: *~r_m H$n{Z`m| H$mo 2009-10 _o n[aMmbZ ew {H$`m h &

155
dm{fH$ [anmoQ>
2009-10
[ddaU 50
Ja OrdZ ~r_mH$VmAm| H$m emoYZ AZwnmV

H$.
Z.
~r_mH$mVm
_mM,
OyZ,
{gV~a,
{Xg~a,
_mM,
2009
2009
2009
2009
2010
1.62
2.18
2.18
2.18
1.54
2.11
1.78
1.78
1.71
2.38
1.02
2.14
1.65
1.56
1.76
1.83
1.80
1.85
1.83
1.54
2.48
1.52
2.72
1.91
1.49
2.03
1.98
2.08
2.08
2.07
1.77
2.37
2.33
2.22
1.76
NA
3.93
3.84
3.81
3.79
1.64
2.51
2.10
2.07
1.39
1.59
2.60
2.37
1.91
1.70
NA
NA
NA
12.97
12.84
1.94
1.99
2.06
2.18
1.75
1.97
1.92
1.85
1.83
1.88
4.23
4.09
3.86
3.57
3.15
1.56
1.60
1.75
1.63
1.60
3.41
3.34
3.45
2.83
3.55
1.66
1.67
1.56
1.51
1.56
3.32
2.55
3.79
3.91
3.41
4.58
31.37
4.54
2.61
2.07
1.82
1.52
1.58
1.68
1.64
16.42
27.71
26.23
24.50
14.17
NA
NA
NA
NA
2.07
1.38
2.55
1.97
1.62
1.68
3.67
3.49
3.04
3.89
3.71
{ZOr ~r_mH$Vm
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
~OmO AbmÒ
^maVr Egm
Mmobm_S>b_
`yMa OZabr
EMS>rE\$gr BaJmo
AmBgrAmBgrAmB b~mS>
B\$mo Q>mo{H$`mo
ahoOm `y~rB
am`b gwXa_
[abm`g
Eg~rAmB OZab
lram_
Q>mQ>m EAmBOr
`y{Zdgb gmonmo
gmdO{ZH$ ~r_mH$Vm
ZoeZb
`y BpS>`m
Amo[aEQ>b
`yZmBQ>oS>
{deofk ~r_mH$Vm
EAmBgr
Anmobmo S>rHo$dr
BgrOrgr
_mg ~wnm
Q>ma hoW
nwZ~r_mH$Vm
OrAmBgr
156
157
128981
41402
387292
29645
1189
1189
1189
155684
(30572)
(30572)
(30572)
(20974)
(20974)
(20974)
557796
70
1907
12827
51
19075
106878
536822
30834
125112
55102
10
4046
10506
41158
8658
3022
7847
440562
35967
23766
106758
{d{dY
2009-10
g_wr
A{
r{_`_ A{OV (ew)

{Zdoem| H$mo ~oMZo/
Nw>S>mZo _| bm^-hm{Z
A`
`mO, bm^me Ama F$U gH$b
Hw$b (E)
CnJV Xmdo (ew)
H$_reZ
~r_m `mnma _| g~{YV
MbZ IM
A` n[aemoYZ,
_m\$s Ed mdYmZ
{dXoer H$a
Hw$b (~r)
A{, g_wr, A` ~r_m
`mnma go MbZ bm^/
(hm{Z gr=(E-~r)
{d{Z`moJ
AmnmVmH$mbr [aOd _| AVaU
A` {aOd _| AVaU
Hw$b (gr)
{ddaU
(50358)
(50358)
(50358)
743125
73
65
173606
56137
513245
692767
69654
52028
571086
Hw$b
5954
5954
5954
103636
(79)
29340
13705
60668
109590
9681
3616
96292
A{
`y BpS>`m
(9009)
(9009)
(9009)
36919
(28)
7780
1455
27711
27910
3446
1287
23177
g_wr
(47232)
(47232)
(47232)
527806
141
(446)
108381
40923
378807
480574
54685
20429
405460
{d{dY
2008-09
(50288)
(50288)
(50288)
668362
144
(553)
145501
56083
467187
618074
67812
25333
524930
Hw$b
(315)
345
345
345
45380
(17)
14415
(146)
31128
45725
1953
1953
1953
21007
(8)
7099
1536
12379
22960
2253
(88)
4852
2084
18937
(21742)
(21742)
(21742)
398673
(135)
93562
22736
282510
376931
38123
(125)
35261
303672
{d{dY
2009-10
g_wr
4488
36473
A{
(19443)
(19443)
(19443)
465060
(161)
115076
24127
326018
445616
45228
(528)
41834
359083
(8727)
(8727)
(8727)
47154
26
10582
301
36245
38427
4284
(79)
2729
31493
A{
Amo[aEQ>b
Hw$b
gmdO{ZH$ jo Ho$ Ja OrdZ ~r_mH$Vm: nm{bgrYmaH$ ImVm
(2281)
(2281)
(2281)
24018
12
5613
1167
17226
21737
2029
(83)
1292
18500
g_wr
(28643)
(28643)
(28643)
346354
223
75249
18634
252248
317711
37313
(55)
23765
256687
{d{dY
2008-09
(39651)
(39651)
(39651)
417526
260
91444
20102
305719
377875
43626
(216)
27786
306680
Hw$b
(` bmIm| _o)
[ddaU 51
dm{fH$ [anmoQ>
2009-10
158
39070
1870
17535 427532 490538
4199
45471
7101
(6658)
12090
12090
11646
(6658)
7101
596
596
11646
8298
8081
10434 434190 478449
82
33825
134
4504 105190 121878
12183
23141
1096
1220
20825
4752 299497 324536
20288
45138
63821
55241
2643
Hw$b
5937
{d{dY
13022 333221 381579
g_wr
ZoeZb
35335
A{
r{_`_ A{OV (ew)

{Zdoem| H$mo ~oMZo/
Nw>S>mZo _| bm^-hm{Z
A`
`mO, bm^me Ama F$U gH$b
Hw$b (E)
CnJV Xmdo (ew)
H$_reZ
~r_m `mnma _| g~{YV
MbZ IM
A` n[aemoYZ,
_m\$s Ed mdYmZ
{dXoer H$a
Hw$b (~r)
A{, g_wr, A` ~r_m
`mnma go MbZ bm^/
(hm{Z gr=(E-~r)
{d{Z`moJ
{ddaU
2009-10
1884
1884
34586
81
9660
1085
23761
Hw$b
36566
995
33510
41790
1013
38298
7757
81439
19620
7914
94636
21818
(2782) (39500) (40398)
(2782) (39500) (40398)
18187 410962 463735
76
3538
1112
13460 302146 339367
15405 371462 423338
1559
13
3665
1429
5
36470
{d{dY
12403 300391 342236
g_wr
3359
29442
A{
2008-09
19975
19975
33729
268
14095
(441)
19807
53704
5582
585
6491
41045
A{
{d{dY
Hw$b
`yZmBQ>oS>
40215
4027
46763
47882
4908
55678
23294
1931
2299
94483 115699
21454
(5381)
(5381)
3477
3477
18071
18071
31355 409132 474217
100
7122
2282
21852 291265 332924
25974 412609 492288
2085
296
2424
21170 321604 383819
g_wr
2009-10
4417
4417
43751
246
13858
54
29593
48168
4724
2580
40861
A{
gmdO{ZH$ jo Ho$ Ja OrdZ ~r_mH$Vm: nm{bgrYmaH$ ImVm
{d{dY
Hw$b
2009-10 2008-09
Hw$b
37472
71
20463
4380
860
44101 207902 197329
63
24083 213361 115499
19944 126699 117947
1948
2292
669
10500
144
9914
83668 103140 526259 434721
18519
(596)
(596)
7455
7455
11276 (39641) (119061)
11276 (39641) (119061)
22154 310976 376882 2160851 1926505
99
5613
1371
15071 206841 251505 1496723 1363779
21558 318431 388157 2121210 1807444
1905
(10)
1040
18623 260426 319910 1695567 1493756
g_wr
2008-09
(` bmIm| _o)
Omar {ddaU 51
dm{fH$ [anmoQ>
2009-10
(47)
(490)
29723
(7308)
22415
4500
765
4495
12655
(93)
7708
35927
4540
40467
8500
1445
gm_m` [aOd _| WmZmV[aH$

30523
nyd df Ho$ bm^-hm{Z eof H$mo {b`m J`m
eof H$mo VwbZ n _| ôOm J`m
4978
29233
54269
20273
5954
(9009)
(47232)
(50288)
476
(744)
(175)
1592
43635
52893
39508
(30572)
1189
(20974)
(50358)
2008-09
`y B{S>`m
2009-10
455
7379
(34)
A` Am`
Hw$b (E)
mdYmZ (H$a Ho$ A{V[a$)
H$) {Zdoem| Ho$ _y` H$mo H$_ H$aZo Ho$ {bò
I) gXohmnX F$Um| Ho$ {bò
J) A`
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H$) ~r_m `mnma Ho$ Abmdm A` IM
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Hw$b (~r)
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H$a Ho$ nmV bm^
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Am) mV{dV AV[a_ bm^me
B) bm^me {dVaU H$a
B) {H$gr [aOd `m A` ImVo _| hVmV[aV
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H$) A{ ~r_m
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159
(4425)
(345)
1195
8823
(13249)
(4425)
(5)
1250
295
(420)
10018
15523
14358
345
1953
(21742)
(19443)
2009-10
(5266)
1
(272)
271
(8842)
3576
(5266)
66
168
309
2929
(8571)
17197
10953
(8727)
(2281)
(28643)
(39651)
2008-09
Amo[a`Q>b
17341
4398
747
(14921)
985
(1807)
(13354)
(1567)
(14921)
208
275
1313
12888
26859
(4373)
22486
(3907)
907
1363
(15160)
12458
11717
(301)
1884
(2782)
(39500)
(40398)
2008-09
(198)
11498
1772
39747
10723
15162
11646
7101
(6658)
12090
2009-10
ZoeZb
54167
14200
2412
2125
1449
82284
(11505)
70779
91
36
(803)
366
83734
30190
35107
19975
(5381)
3477
18071
36375
9600
1630
1723
1362
50291
(2686)
47605
59
(114)
(307)
(133)
51653
26202
14308
4417
(596)
7455
11276
2008-09
`yZmBQ>oS>
2009-10
AeYmaH$ ImVm : gmdO{ZH$ jo Ho$ Jma OrdZ ~r_mH$Vm
97605
27098
4604
3000
23239
153894
(24587)
129307
366
288
19324
262
3310
177134
109330
104135
1394
4863
(45897)
(39641)
2009-10
28843
14100
2395
4495
268
1
2389
(664)
57818
(7985)
49833
(3479)
24
134
9138
57154
110125
57252
(301)
3528
(14668)
(107920)
(119061)
2008-09
Hw$b
(` bmIm| _o)
{ddaU 52
dm{fH$ [anmoQ>
2009-10
160
805917
(416209)
1004656
(380346)
1473945
594921
(391697)
751341
224289
501598
655
5578
963806
(457602)
753380
197708
(506593)
841819
230340
555671
896090
(504934)
824887
288805
536082
547441
(483290)
749467
236086
513382
266177
5171746
5578
(1822471)
3848720
1229815
2618904
2026249
1311244
1219132
47121
282632
611479
319953
204352
61825
12396
168268
356961
527053
295778
235577
84376
10838
50414
6763793
523286
335226
256409
39369
5611
45356
967921
5171746
862171
359645
291062
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10990
37840
1344830
547441
3662251
389708
244632
115013
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35977
915093
896090
186082
1454495
838785
9078
15817
33636
1417854
501598
480845
346359
55000
239763
30999
59386
944434
963806
360649
400245
15000
2010
506702
1380788
1776757
594921
805516
130949
15000
2009
715004
1004656
1473945
397556
148290
10000
2010
149946
811716
741729
187365
10000
2009
332084
182940
712215
10000
2010
`yZmBQ>oS>
9458
10000
20000
2009
ZoeZb
2331
2010
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2009
`y BpS>>`m
{Z{Y`m| Ho$ moV

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eoà nyOr
20000
[aOd Ed `mXm
723021
ghr _y` n[adVZ ImVm
1564174
F$U
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Hw$b
2307194
{Z{Y`m| H$m Cn`moJ
{Zdoe
2620322
F$U
55935
WmB gn{m`m
16215
{X`m hAm H$a gn{m`m
9458
Mmby gn{m`m
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436519
A{J_ Ed A` gn{m
544842
Hw$b `moJ - (E)
981361
dV_mZ Xm{`d
948057
mdYmZ
428039
Hw$b `moJ - (~r)
1376096
ew dV_mZ gn{m gr = (E-~r)
(394735)
{d{dY IM (_m\$ Zhr {H$ò Jò)
eof H$mo bm^-hm{Z ImVo _| S>mbo
Hw$b
2307194
{ddaU
(31 _mM na)
VwbZ-n: gmdO{ZH$ jo Ho$ Ja OrdZ ~r_mH$Vm
3473321
1015044
2458277
1760386
1212095
548291
2331
42372
181277
4604205
3117905
1686016
1376889
55000
2009
3117905
655
(1712935)
Hw$b
(` bmIm| _o)
[ddaU 53
dm{fH$ [anmoQ>
2009-10
A{
g_wr
1086
1086
267
267
3077
3304
1086
50907
49731
267
78467
75612
77381
5956
5509
75345
23397
1016
946
22310
71486
161
(937)
(937)
(937)
66397
21955
3206
41235
65460
5149
499
59806
2009-10 2008-09
69148
{d{dY
am`b gwXa_
r{_`_ A{OV (ew)

1293
1045
{Zdoem| H$mo ~oMZo/Nw>S>mZo _| bm^-hm{Z
49
21
A`
`mO, bm^me VWm {H$am`m - gH$b
351
96
Hw$b (E)
1693
1162
CnJV Xmdo (ew)
494
682
H$_reZ
(251)
24
~r_m `mnma go g~{YV MbZ
702
385
IM r{_`_ _| H$_r
gh {~_m emgZ ewH$
haOmZm H$mof
r{_`_ H$s H$_r
Xwgam| H$m {d{dY
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944
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MbZ bm^/hm{Z gr=(E-~r)
748
70
{d{Z`moJ
748
70
A` [aOd _| AVaU
Hw$b (gr)
748
70
{ddaU
3964
3964
3964
9706
4402
(1574)
6877
13670
1617
138
67
11847
A{
2009-10 2008-09
14606
3332
607
16721
3480
695
14915
3146
1231
170931 188420 189127
{d{dY
54851
145
212
145
212
3177
48937
4401
354
172
59883
2378
127203 138657 135992
(268)
(268)
(268)
8578
8578
8578
12274
12274
12274
9640
9640
9640
6438 180898 197042 198779
1512
349
4577
6171 189476 209316 208419
498
21
5643
g_wr
~OmO AbmÒ
nm{bgrYmaH$ ImVm: {ZOr jo Ho$ Ja OrdZ ~r_mH$Vm
2184
2184
2184
(703)
(703)
(703)
7403
30
263
2531
147
4724
6699
426
(13)
117
6169
g_wr
1140
(1928)
1022
2447
375
13
48
2011
A{
(2997)
(2997)
(2997)
59369
96
24
21345
4009
33892
56372
4729
(140)
989
50793
{d{dY
(1517)
(1517)
(1517)
67035
96
24
34
25016
2229
39637
65518
5531
(141)
1155
58973
(826)
(826)
(826)
64503
173
23
46
26885
1982
35567
63850
4709
236
157
58748
2009-10 2008-09
Q>mQ>m EAmBOr
(` bmIm| _|)
{ddaU 54
dm{fH$ [anmoQ>
2009-10
A{
162
(12623)
(14519)
(9864)
(1211)
(1211)
(12623)
(14519)
(9864)
6266
(1211)
254
158002 162860 158569

(14519) (12623) (9864)
(254)
12
(235)
595
5055
4383
(1047)
2931
1735
1897
1775
12
12
3
7686
8404
8041
143483 150237 148705
113616 118569 107366
(2047) (3519) (3155)
46433 48063 54104
A{
4684
2009-10 2008-09
134051 139925 138886
abm`g
g_wr
{d{dY
r{_`_ A{OV (ew)

4074
1800
134
28
A`
593
126
Hw$b (E)
4801
1954
CnJV Xmdo (ew)
3172
1781
H$_reZ
(1419)
(53)
1149
482
IM r{_`_ _| H$_r
gh ~r_m emgZ ewH$
haOmZm H$mof
r{_`_ H$s H$_r
(254)
Xwgam| H$m {d{dY
Hw$b (~r)
2902
1956
1898
(2)
{d{Z`moJ
1898
(2)
A` [aOd _| AVaU
Hw$b (gr)
1898
(2)
{ddaU
(1185)
(1185)
6021
(1185)
12
271
585
4836
4085
(324)
2260
3969
92222
4543
4543
2147
2147
88425 100713
4543
2147
185
208
(64)
(28)
9277 10457
92968 102860
64799 73267
3890
2519
19736 24927
83570
BH$mo Q>mo{H$`mo
g_wr
{d{dY 2009-10
(1284)
(1284)
93142
(1284)
315
(4)
8254
91858
69502
(323)
23962
83293
2008-09
(142)
(142)
10152
(142)
561
(75)
531
10010
6581
(1118)
4688
8993
207061 219282 197365
2008-09
(985)
680
543
543
835
835
1235
1235
(8776)
(8776)
3361 233384 246897 229433

543
835
1235 (8776)
(985)
364 14778 15703 11263

(32) (1582) (1690) (2182)
344 13962 14837 14211
3904 234219 248133 220657
2668 181014 190263 168454
(790)
4013
2106 (7558)
2468 48357 55514 67858
3228
A{
g_wr
{d{dY 2009-10
(` bmIm| _o)
Omar... {ddaU 54
dm{fH$ [anmoQ>
2009-10
A{
g_wr
(1569)
(1569)
(1569)
(1557)
(1557)
(1557)
(2145)
(1314)
51812
34434
32226
48457
50243
46900
128
3506
3051
128
19395
501
433
17417
46229
43415
Mmobm_S>b_
{d{dY 2009-10
r{_`_ A{OV (ew)

1597
1216
45
24
A`
5
2
342
113
Hw$b (E)
1988
1355
CnJV Xmdo (ew)
1215
993
H$_reZ
(476)
(355)
1053
925
IM r{_`_ _| H$_r
gh ~r_m emgZ ewH$
haOmZm H$mof
r{_`_ H$s H$_r
Xwgam| H$m {d{dY
Hw$b (~r)
1792
1563
196
(208)
{d{Z`moJ
196
(208)
A` [aOd _| AVaU
Hw$b (gr)
196
(208)
{ddaU
163
206
206
206
41173
16395
(2801)
27578
41378
2702
12
128
38536
2008-09
1067
1067
1067
(650)
650
(1822)
522
416
79
(3)
332
A{
(143)
(143)
(143)
475
184
(174)
465
332
29
(1)
301
(11729)
(11729)
(11729)
54297
17444
(1747)
38600
42568
2270
689
236
39373
(10805)
(10805)
(10805)
54121
18278
(3743)
39586
43316
2378
686
247
40006
EMS>rE\$gr EaJmo
g_wr
{d{dY 2009-10
(3476)
(3476)
(3476)
23206
10751
(2034)
14489
19730
1252
363
167
17947
2008-09
(1060)
(1060)
(1060)
1443
50
1452
(607)
549
383
73
300
A{
(458)
(458)
(458)
738
531
(94)
301
280
26
251
(8448)
(8448)
(8448)
27326
(9967)
(9967)
(9967)
29508
24
21
21
(26)
14274
(1726)
16915
19542
700
88
18748
12290
(1025)
16066
18878
601
76
18197
MyMa OZabr
g_wr
{d{dY 2009-10
(9245)
(9245)
(9245)
15205
51
9878
(737)
6003
5960
262
15
5682
2008-09
(` bmIm| _o)
Omar... {ddaU 54
dm{fH$ [anmoQ>
2009-10
A{
14794
(6663)
(6663)
(6663)
11731
(4989)
(4989)
(4989)
685
640
5749
4782
8131
6742
596
485
(39)
(30)
8344
50
39
6299
7524
6248
`y{Zdgb gmonmo
g_wr
{d{dY 2009-10
r{_`_ A{OV (ew)

1263
13
11
1
A`
(8)
(0)
105
6
Hw$b (E)
1370
19
CnJV Xmdo (ew)
879
88
H$_reZ
64
(19)
1875
170
IM r{_`_ _| H$_r
gh ~r_m emgZ ewH$
haOmZm H$mof
r{_`_ H$s H$_r
Xwgam| H$m {d{dY
5
1
Hw$b (~r)
2823
240
(1452)
(221)
{d{Z`moJ
(1452)
(221)
A` [aOd _| AVaU
Hw$b (gr)
(1452)
(221)
{ddaU
164
(3019)
(3019)
(3019)
3087
2743
100
241
68
146
(87)
2008-09
75
25
(13)
63
79
75
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12983
4078
(629)
9535
14907
1061
317
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1924
1924
(0) 1923.99
g_wr
1928
1928
1928
13060
4103
(642)
9599
14988
1066
317
13605
(977)
(977)
(977)
3069
1861
1200
2093
320
57
1715
2009-10 2008-09
(1671)
(1671)
(1671)
1959
1422
(368)
906
288
53
234
A{
(284)
(284)
(284)
439
273
(12)
178
156
10
145
(12692)
(12692)
(12692)
21212
428
13909
(660)
7536
8521
516
18
7986
(14647)
(14647)
(14647)
23611
428
15604
(1040)
8619
8964
579
20
8364
^maVr Egm
g_wr
{d{dY 2009-10
(5540)
(5540)
(5540)
5622
5447
(114)
289
82
146
135
78
(278)
2008-09
(` bmIm| _o)
Omar... {ddaU 54
dm{fH$ [anmoQ>
2009-10
165
97
~r_m `mnma go g~{YV MbZ IM r{_`_ _| H$_r
Hw$b (gr)
A` [aOd _| AVaU
{d{Z`moJ
Hw$b (~r)
Xwgam| H$m {d{dY
r{_`_ H$s H$_r
haOmZm H$mof
gh ~r_m emgZ ewH$
(171)
(171)
(15)
(15)
(15)
(1)
H$_reZ
(171)
CnJV Xmdo (ew)
10
(5)
(73)
Hw$b (E)
98
(1380)
(1380)
(1380)
1132
1088
44
(247)
(1566)
(1566)
(1566)
1240
1195
45
(326)
A`
3
(5)
2009-10
(331)
r{_`_ A{OV (ew)
(74)
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ahoOm `y~rB
g_wr
{d{dY
(252)
{ddaU
(40686)
(40686)
(40686)
1040074
(34098)
(34098)
(34098)
902185
16496
98
34
(447)
301722
(9046)
607916
868260
60107
1783
15629
790741
312961
976
726249
999389
70734
2640
21561
904453
Hw$b
(` bmIm| _o)
Omar... {ddaU 54
dm{fH$ [anmoQ>
2009-10
166
~OmO
Abm`mO
Q>mQ>m
EAmBOr
[abm`mg
BH$mo
Q>mo{H$`mo
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(` bmIm| _o)
(407)
566
715
1282
(304)
3097
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4379
39562
51645
(5898)
12083
280
17980
3
31
973
5
3401
31
249
32
1004
20
3405
5650
270
(35)
102
18261
28
1708
201
1888
411
3964
(268)
8578
533
(181)
(1288)
748
70
267
30047
39562
(5461)
9516
446
14977
277
169
4923
812
(406)
453
15423
2980
(1079)
7739
2409
3079
2
1178
(700)
191
670
2223
611
(177)
40
1180
2184
(703)
(2997)
3497
2409
1512
(526)
424
593
950
(5)
86
512
2179
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13
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1542
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(1878)
(1228)
(16547)
(21589)
4012
(5043)
(1415)
(9055)
(39)
(1376)
3955
1058
(165)
135
(7640)
1898
(2)
(14519)
(11315)
(16547)
(215)
(5232)
(39)
(5017)
(39)
3960
910
(36)
51
(4978)
1810
(1135)
(10539)
5629
7300
741
126
(1323)
2538
49
3861
49
437
3910
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26
(1211)
(1185)
4543
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5629
(442)
250
38
692
38
42
730
1899
73
514
(884)
(914)
11686
17450
1079
6452
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(1438)
14393
802
1179
15831
70
307
8117
8589
(956)
24
17009
(142)
543
835
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11686
2335
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104
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27
62
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8141
6452
(1272)
1
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(2301)
(5740)
(735)
539
775
51
236
100
185
50
50
1090
229
(0)
535
285
196
(208)
(1557)
401
539
561
(486)
699
60
1185
60
18
1245
975
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663
178
(635)
2009-10 2008-09 2009-10 2008-09 2009-10 2008-09 2009-10 2008-09 2009-10 2008-09 2009-10 2008-09 2009-10 2008-09
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gwXa_
H$a Ho$ {bò mdYmZ

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{nN>bo df H$s AWm{JV H$a `m
Omar Omo{I_ Ho$ {bE aOd
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[ddaU 55
dm{fH$ [anmoQ>
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167
(53)
(2575)
(4710)
(7284)
16
(9430)
(7284)
(16715)
(10466)
(19436)
(1933)
(10466)
(37)
(8533)
(2521)
(8970)
37
146
(8496)
42
54
(8970)
(11)
(8350)
4
(9446)
(25)
(8917)
858
48
109
(1)
(2521)
(54)
(9442)
958
117
(683)
(287)
(8275)
12
843
113
1284
133
(1060)
(458)
(8448)
2008-09
`yMa OZabr
2009-10
691
(185)
(3982)
1067
(143)
(11729)
2008-09
EMS>rE\$gr EaJmo
2009-10
A` IM
I) gbH$ F$U H$s _m\$s
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H$a go nyd bm^
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H$a Ho$ nMmV bm^
dm`{mH$aU
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Am) Vm{dV
B) bm^me {dVaU na
B) {H$gr [aOd `m A` ImVo _o AV[aV
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mdYmZ (H$a go A{V[a$)

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MbZ bm^/(hm{Z)
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(1469)
(6676)
146
(5207)
8
8
(5353)
(100)
(5345)
1288
130
(1452)
(221)
(4989)
2009-10
(30)
(1469)
(20)
(1439)
8
8
(1419)
(42)
(1411)
1651
(1198)
(69)
(1752)
2008-09
`y{Zdgb gmonmo
(390)
1197
(887)
1587
11
2474
(390)
139
(390)
73
78
(529)
13
1
(452)
26
14
2485
11
511
(47)
(5)
(925)
2008-09
516
4
(0)
1925
2009-10
lram_

^maVr Egm
(7127)
(21358)
(4)
(14230)
(14226)
91
(14226)
204
125
(1671)
(284)
(12692)
(1352)
(7127)
(44)
(5775)
35
597
(5732)
562
152
(5135)
165
88
(497)
(139)
(4904)
2009-10 2008-09
(920)
(1499)
(579)
21
(579)
21
992
10
(3)
9
(558)
(171)
(15)
(1380)
2009-10
ahoOm `y~rB
30024
17825
2073
6452
1838
126
1079
16905
(1447)
(5216)
(10126)
1037
86
259
6476
(4910)
4412
681
27812
8836
(1688)
782
1644
4746
(11404)
(27440)
2008-09
852
298
(2720)
(700)
(5436)
(8856)
432
50
339
(1376)
29464
11710
(1310)
1228
407
4354
(2874)
(42164)
2009-10
Hw$b
(` bmIm| _|)
Omar... {ddaU 55
dm{fH$ [anmoQ>
2009-10
168
19907
40812
37646
78458
31174
58106
41094
99200
293959
113313
180647
100972
71323
249456
104503
144953
82953
54463
28490
79282
67247
21996
16083
27123
29649
1521
25316
3824
4050
3788
12854
219375
67247
(58552) (192987) (166503)
1043
1041
15336
253146
79279
(51)
11023
56224
(68026)
1751
1662
21996
25316
77754
(286)
(63)
90639
21000
1282
21000
4379
11023
68307
2010
2009
~OmO Ab`mO
2009
am`b gwXa_
2010
{Z{Y`m| H$m moV

eoà nyOr
[aOd Ed `mXm
ghr _y` n[adVZ ImVm
F$U
A`
{X`m hAm H$a Xm{`d
Hw$b
{Z{Y`m| H$m Cn`moJ
{Zdoe
F$U
WmB gn{m`m
ZJX Ed ~H$ eof
Mmby gn{m`m
ZJX Ed ~H$ eof
A{J_ Ed A` gn{m
Hw$b `moJ - (E)
dV_mZ Xm{`d
mdYmZ
Hw$b `moJ (~r)
ew dV_mZ gn{m gr=(E-~r)
{d{dY IM (_m\$ Zht {H$ò Jò)
bm^ Ed hm{Z-ImVm (Zm_o ~mH$s)
Hw$b
{ddaU
35698
(53820)
92333
30270
62063
38514
32096
6417
988
2933
85597
35698
1107
30000
4591
2010
33473
(41473)
75287
32146
43142
33815
29149
4666
748
2755
71443
33473
(448)
30000
3921
2009
Q>mQ>m EAmBOr
72748
16547
21589
99818
(89725)
157098
69000
88098
67373
55949
11424
85
(99291)
181774
71523
110251
82482
74240
8243
4097
6437
3006
4751
3006
72748
(6958)
11308
68398
136397
99818
(888)
11522
89184
2009
[ab`mg
2010
165666
(31 _mM na)
47432
(36324)
138371
52864
85507
102046
54083
47963
758
1516
81482
47432
24700
22732
2010
489382
126594
362789
297449
268823
28626
4529
14334
352315
395586
115741
279845
223703
216398
7305
5967
15677
303074
152834
19
179244
(7432)
40314
119951
2009
11913
40363
126949
2010
45761
179244
152834
(26457) (191933) (171883)
113765
44789
68976
87308
48764
38544
587
1326
70305
45761
24700
21061
2009
BH$mo Q>mo{H$`m
VwbZ-n: {ZOr jo Ho$ Ja OrdZ ~r_mH$Vm
28045
(30607)
47086
27196
19890
16479
14916
1562
34
1403
57215
28045
171
112
14924
(24363)
38740
21523
17218
14377
13650
727
2811
36476
14924
73
(617)
14196
1100
2009
(99)
26696
1336
2010
Mmobm_S>b_
(` bmIm| _o)
{ddaU 56
dm{fH$ [anmoQ>
2009-10
169
27291
1697
5141
8049
13190
19226
10114
29341
(16151)
7284
20121
2468
6709
18209
24917
35929
28965
64894
(39977)
16715
41574
20121
41574
62368
120
4
70
20000
41500
29503
19436
(18921)
32961
13430
19531
14040
13087
953
2994
25994
29503
19807
10466
(6360)
15723
7862
7861
9363
7215
2148
2187
13514
19807
23
759
1500
3
19025
28000
2009
`yMa OZabr
2010
2010
2009
EMS>rE\$gr EaJmo
F$U
A`
{X`m hAm H$a Xm{`d
Hw$b
{Z{Y`m| H$m Cn`moJ
{Zdoe
F$U
WmB gn{m`m
ZJX Ed ~H$ eof
Mmby gn{m`m
ZJX Ed ~H$ eof
A{J_ Ed A` gn{m
Hw$b `moJ - (E)
dV_mZ Xm{`d
mdYmZ
Hw$b `moJ (~r)
bm^ Ed hm{Z-ImVm (Zm_o ~mH$s)
Hw$b
{Z{Y`m| H$m moV

eoà nyOr
[aOd Ed `mXm
ghr _y` n[adVZ ImVm
{ddaU
23574
6676
(11391)
16632
9204
7428
5240
3431
23580
1469
1682
3546
1904
1641
5227
1859
3368
155
1809
2157
18264
2421
25714
23574
23580
8580
8580
(6)
15000
2009
15000
2010
`y{Zdgb gmonmo
(31 _mM na)
11697
(16834)
22052
13328
8724
5218
2796
2423
529
2135
25867
11697
1197
10500
2010
2009
10500
390
(4563)
8618
4646
3972
4055
2824
1231
353
1344
12977
10500
10500
lram_
VwbZ-n: {ZOr jo Ho$ Ja OrdZ ~r_mH$Vm
33408
21358
(17440)
24566
12001
12565
7126
4283
2844
3178
26312
33408
17
7500
5891
20000
19011
7127
(2541)
4701
1616
3085
2160
1594
566
2825
11600
19011
11
2742
16258
2009
^maVr Egm
2010
2009
539839
963663
726615
585351
141264
15919
55483
451491
718829
563430
455997
107433
10312
53820
20703
1499
655294
87273
502001
43283
665 (776888) (606890)
292 1503502 1170320
59
233
957
940
17
354
3006
3006
502001
998470
655291
19
73
291
(15706)
759
283260
233324
Hw$b
182
11940
9000
333146
301004
2010
18186 1270500
20703
20700
2010
ahoOm `y~rB
(` bmIm| _o)
Omar.... {ddaU 56
dm{fH$ [anmoQ>
2009-10
dm{fH$ [anmoQ>
2009-10
{ddaU 57
dm` ~r_mH$Vm
nm{bgrYmaH$ ImVm
(` bmIm| _|)
Q>ma hoW
{ddaU
r{_`_ A{OV (ew)
{Zdoem| H$mo ~oMZo/{d{Zdoe _| bm^-hm{Z
Anmobmo S>rHo$dr
_mg ~wnm
2009-10
2008-09
2009-10
2008-09
2009-10
61043
30145
6996
2164
142
A`
Hw$b (E)
CnJV Xmdo (ew)
717
442
300
96
61760
30730
7296
2260
53173
25847
5974
2473
H$_reZ
(1267)
(1228)
1056
359
9311
6270
9830
7238
3856
61217
30889
16860
10070
3857
543
(159)
(9564)
(7810)
(3856)
543
(159)
(9564)
(7810)
(3856)
543
(159)
(9564)
(7810)
(3856)
MbZ IM ~r_m `mnma Ho$ {dXoer

IM go g~{ YV
A`
{dXoer H$a
Hw$b (~r)
MbZ bm^ / hm{Z gr= (E-~r)
{d{Z`moJ
AmnmVmH$mbrZ [aOd _| AVaU
A` [aOd _| AVaU
Hw$b (gr)
ZmoQ>: H$mo>H$ _| AH$ ZH$mam_H$ am{e Ho$ gHo$V h &
170
dm{fH$ [anmoQ>
2009-10
{ddaU 58
dm` ~r_mH$Vm
AeYmaH$ ImVm
(` bmIm| _|)
Q>ma hoW
{ddaU
MbZ bm^/(hm{Z)
H$) A{ ~r_m
I) g_wr ~r_m
J) {d{dY ~r_m
{Zdoem| _| Am`
I) {Zdoem| H$s {~H$s H$a bm^
2009-10
Anmobmo S>rHo$dr
2009-10
2008-09
2009-10
543
543
(159)
(159)
(9564)
(9564)
(7810)
(7810)
(3855)
(3855)
498
540
174
539
13
104
469
94
80
57
125
13
(8907)
(7166)
(3660)
63
16
A` Am`
Hw$b (E)
_mg ~wnm
2008-09
1041
mdYmZ (H$a go Abmdm)

H$) {Zodem| Ho$ _y` H$mo H$_ H$aZo Ho$ {bò
J) A`
555
A` IM
J) A`
19
26
Hw$b (~r)
19
28
63
16
1022
496
526
527
404
124
(8970)
0
(8970)
(7182)
36
(7218)
(3660)
0
(3660)
526
124
(258)
(258)
(10077)
(2859)
(636)
(258)
(258)
(19047)
(10077)
(4296)
H$a go nyd bm^

H$a Ho$ {bò mdYmZ
H$a Ho$ nmV bm^
{d{Z`moJ
Am) Vm{dV AV[aV bm^me
B) bm^me {dVaU H$a
B) {H$gr [aOd `m A` ImVo _| hVmV[aV
gm_m` [aOd _| WmZmV[aV
D$) nyd df Ho$ bm^-hm{Z eof H$mo {b`m J`m
ZmoQ>: H$mo>H$ _| AH$ ZH$mam_H$ am{e Ho$ gH$Vo h &
171
dm{fH$ [anmoQ>
2009-10
[ddaU 59
dm` ~r_mH$Vm
VwbZ n: (_mM 31 VH$)
(` bmIm| _o)
Q>ma hoW
Anmobmo S>rHo$dr
_mg ~wnm
{Z{Y`m| H$m moV
2010
2009
2010
2009
2010
eoà nyOr
16433
10930
12930
10737
15100
eoà {Zd{Z`moJ nyOr
13867
374
3491
14696
5472
(18)
[aOd Ed `mXm
650
124
ghr _y` n[adVZ ImVm

329
232
Hw$b
31279
11285
28001
19682
15107
{Z{Y`m| H$m Cn`moJ

{Zdoe
17452
8106
13431
8111
9260
{X`m hAm H$a Xm{`d

F$U
500
F$U
3901
2122
2068
1966
1261
17035
20733
37768
12697
15805
28502
2755
11473
14228
4470
9458
13928
1099
2545
3643
5044
5144
10188
2474
1989
4463
2348
2587
4935
1150
1137
2288
1934
63
1997
9266
300
(6544)
(472)
291
{ddY IM (_m\$ Zhr {H$`m Jò)

bm^ Ed hm{Z ImVm (Zm_o$ ~mH$s)
403
258
258
19047
10077
4296
31279
11285
28001
19682
15107
WmB gn{m`m
{X`m hAm H$a gn{m`m
Mmyb gn{m`m
ZJX Ed ~H$ eof
A{J_ Ed A` gn{m
Hw$b `moJ (E)
dV_mZ Xm{`d
mdYmZ
Hw$b `moJ (~r)
Hw$b
ZmoQ>: H$moo>H$ _| AH$ ZH$mam_H$ am{e Ho$ gHo$V h &
172
dm{fH$ [anmoQ>
2009-10
[ddaU 60
^maVr` {Z`mV F$U JmaQ>r {ZJ_ {b{_Q>oS>

nm{bgrYmaH$ ImVm
(` bmIm| _o)
2009-10
2008-09
57599
52527
175
79
59
11753
15684
Hw$b (E)
CnJV Xmdo (ew)
69607
68270
67518
35523
H$_reZ
(3157)
(2476)
MbZ IM ~r_m `mnma go g~{ YV

A`-n[aemoYZ, _m\$s `m mdYmZ
10360
9437
{ddaU
r{_`_ A{OV (ew)
{Zdoem| H$mo ~oMZo/{d{Zdoe _| bm^ - hm{Z
A`
4820
{dXoer H$a
Hw$b (~r)
79540
42484
A{/g_wr/{d{dY ~r_m `mnma MbZ bm^/(hm{Z)
(9934)
25786
(9934)
25786
(9934)
25786
{d{Z`moJ
eoàYmaH$m| Ho$ ImVo _| WmZmVaU
AmnmVmH$mbrZ [aOd _| WmZmVaU
A` [aOd _| WmZmVaU
Hw$b (gr)
173
dm{fH$ [anmoQ>
2009-10
[ddaU 61

AeYmar ImVm
(` bmIm| _|)
2009-10
2008-09
(9934)
(9934)
25786
25786
15895
233
18166
0
A` Am`
1233
381
Hw$b (E)
7426
44333
712
301
167
203
879
6548
2756
(1581)
5373
504
43829
15213
277
28339
1075
183
11583
8100
1377
4116
2
7279
1
{ddaU
MbZ bm^/(hm{Z)
H$) A{ ~r_m
I) g_wr ~r_m
J) {d{dY ~r_m
{Zdoem| go A`
KQ>mò: {Zodoe H$s {~H$s go hm{Z
mdYmZ (H$a Ho$ Abmdm)

J) A`
A` IM
J) A`
Hw$b (~r)
H$a go nyd bm^
H$a Ho$ {bò mdYmZ
g_` go nhbo g_m`moOZ
H$a Ho$ nmV bm^
{d{Z`moJ
Am) Vm{dV AV[aV bm^me
B) bm^me {dVaU H$a
B) {H$gr [aOd `m A` ImVo _o WmZmV[aV
nyddf Ho$ bm^-hm{Z eof H$mo {b`m J`m
174
dm{fH$ [anmoQ>
2009-10
[ddaU 62

VwbZ-n (_mM 31 VH$)
(` bmIm| _o)
2010
2009
90000
90000
102738
98622
{Z{Y`m| H$m moV

eoà nyOr
[aOd Ed `mXm
3156
ghr _y` n[adVZ ImVm
27
3133
Hw$b
195921
191755
{Z{Y`m| H$m Cn`moJ

{Zdoe
262046
106198
WmmB gn{m`m
13507
13629
Mmby gn{m`m
ZJX Ed ~H$ eof
A{J_ Ed A` gn{m
79228
44389
200179
29997
Hw$b `moJ (E)
123617
230176
dV_mZ Xm{`d
mdYmZ
167054
38257
121584
39907
Hw$b `moJ - (~r)
205311
161491
(81694)
68685
2063
219
F$U
{X`m hAm H$a Xm{`d
F$U
{X`m hAm H$a gn{m`m
3024

bm^ Ed hm{Z ImVm (Zm_o ~mH$s)
195921
Hw$b
175
191755
dm{fH$ [anmoQ>
2009-10
[ddaU 63
^maVr` H${f ~r_m H$nZr {b{_Q>oS>

nm{bgrYmaH$ ImVm
(` bmIm| _o)
{ddaU
r{_`_ A{OV (ew)
2009-10
2008-09
102382
74261
107
{Zdoem| H$mo ~oMZo/Nw>S>mZo _| bm^ - hm{Z

A`
11073
10555
Hw$b (E)
113562
84816
CnJV Xmdo (ew)
112390
52962
(4571)
(894)
MbZ IM ~r_m `mnma go g~{ YV
2350
1588
A`-n[aemoYZ, _m\$s `m mdYmZ
207
269
110375
53926
3187
30891
3187
30891
3187
30891
H$_reZ
{dXoer H$a
Hw$b (~r)
A{/g_wr/{d{dY ~r_m `mnma MbZ bm^/(hm{Z) gr=(E-~r)
{d{Z`moJ
eoàYmaH$m| Ho$ ImVo _| WmZmV[aV
AmnVmH$mbrZ [aOd _| WmZmV[aV
A` [aOd _| WmZmVaU
Hw$b (gr)
176
dm{fH$ [anmoQ>
2009-10
{ddaU 64

AeYmaH$ ImVm
(` bmIm| _o)
2009-10
2008-09
3187
3187
30891
30891
6786
66
4935
18
33
10056
35859

H$) {ZXoem| Ho$ _y` H$mo H$_ H$aZo Ho$ {bò
J) A`
157
138
A` IM
J) A`
127
126
284
9773
3322
6451
264
35594
12333
23261
{ddaU
MbZ bm^ / (hm{Z)

H$) A{ ~r_m
I) g_wr ~r_m
J) {d{dY ~r_m
{Zdoemo go Am`
H$) `mO, bm^me E {H$am`m (gH$b)
A` Am`
Hw$b (E)
Hw$b (~r)
H$a go nyd bm^
H$a Ho$ {bò mdYmZ
H$a Ho$ nmV bm^
{d{Z`moJ
Am) Vm{dV A{Va_ bm^me
B) bm^me {dVaU H$a
B) {H$gr [aOd `m A` ImVo _| WmZmV[aV
2000
340
20921

177
dm{fH$ [anmoQ>
2009-10
[ddaU 65

VwbZ - n: (_mM 31 VH$)
(` bmIm| _o)
2010
2009
eòa nyOr
20000
20000
[aOd Ed `mXm
39688
53237
593
18
60282
73255
144184
92334
129
139
2509
462
392
392
93322
14065
104786
18268
Hw$b `moJ - (E)
107387
123055
dV_mZ Xm{`d
mdYmZ
129524
64796
100339
42788
Hw$b `moJ - (~r)
194319
143127
(86932)
(20072)
60282
73255
{Z{Y`m| H$m moV
ghr _y` n[adVZ ImVm

F$U
Hw$b
{Z{Y`m| H$m Cn`moJ
{Zdoe
F$U
WmB gn{m`m
Xr hB H$a gn{m`m
Mmby gn{m`m
ZJX Ed ~H$ eof
A{J_ Ed A` gn{m
{ddY IM (_m\$ Zhr {H$ò Jò)

Hw$b
178
179
Hw$b (~r)
{d{Z`moJ
eoàYmaH$m| Ho$ ImVo _| WmZmVaU
AmnmVmH$mbrZ [aOd _| WmZmVaU
A` [aOd _| WmZmVaU
Hw$b (gr)
CnJV Xmdo (ew)

H$_reZ
MbZ IM ~r_m `mnma Ho$
go g~{YV
r{_`_ A{OV (ew)

{Zdoem| H$s ~oMZo/{d{ZXoe _| bm^-hm{Z
A`
`mO, bm^me VWm {H$am`m-gH$b
Hw$b (E)
{ddaU
10848
21973
47881
(37)
28921
4132
26312
26312
26312
32771
32771
(8246)
(8246)
(8246)
63748 583301
32771
237856
485
16769 104345
71698
2519
46495 474823
163638
90060 575055
702
(728)
270626
6553
OrdZ
Hw$b
80778
(82)
48792
7146
485
485
485
51322
51322
51322
905 885809
10
212 193025
683 685639
1390 937131
76
(20)
46
1288 807643
2009-10
{d{dY
71957 498290
g_wr
13272
236109
A{
^maVr` gmYmaU ~r_m {ZJ_

nm{bgrYmaH$ ImVm
(3872)
(3872)
(3872)
222776
1832
54091
166853
218904
19222
990
7442
191250
A{
(7078)
(7078)
(7078)
86118
510
16737
68871
79041
9173
(266)
3551
66583
g_wr
102368
102368
102368
493512
3961
103955
385596
595880
53626
160
20763
521330
{d{dY
2008-09
932
932
932
537
135
393
1469
76
(89)
29
1454
OrdZ
92351
92351
92351
802943
6312
174918
621714
895294
82096
794
31786
780617
Hw$b
(` bmIm| _o)
{ddaU 66
dm{fH$ [anmoQ>
2009-10
dm{fH$ [anmoQ>
2009-10
[ddaU 67

AeYmaH$ ImVm
(` bmIm| _|)
2009-10
2008-09
32771
26312
(8246)
485
51322
(3872)
(7078)
102368
932
92351
{Zdoemo go Am`
51201
30927
46865
18145
A` Am`
22007
27703
155457
185065
1303
(1438)
2544
977
(131)
2969
145
23835
0
0
47
112
0
0
(22)
0
26437
129020
(48440)
3906
181159
40439
177461
140720
35260
5856
27950
4750
136339
1
6
108020
1
1
{ddaU
MbZ bm^ / (hm{Z)
H$) A{ ~r_m
I) g_wr ~r_m
J) {d{dY ~r_m
K) OrdZ ~r_m
Hw$b (E)
H$) {ZXoem| Ho$ _y` H$mo H$_ H$aZo Ho$ {bò
J) A`
A` IM
I) hVmVaU na hm{Z
J) JbV F$U H$s _m\$s
K) A`
Z) godm H$a na `mO
Hw$b (~r)
H$a go nyd bm^
H$a Ho$ {bò mdYmZ
H$a Ho$ nmV bm^
{d{Z`moJ
Am) Vm{dV A{Va_ bm^me
B) bm^me {dVaU H$a
B) {H$gr [aOd `m A` ImVo _| WmZmV[aV
C) gm_m` [aOd _| WmZmV[aV
D$) nyd df Ho$ bm^-hm{Z eof H$mo {b`m J`m
E) eof H$mo VwbZ n _| ôOm J`m
180
dm{fH$ [anmoQ>
2009-10
{ddaU 68

VwbZ n: (_mM 31 VH$)
(` bmIm| _o)
2010
2009
{Z{Y`m| H$m moV

eòa nyOr
[aOd Ed `mXm
ghr _` n[adVZ ImVm
F$U
{X`m hAm na Xm{`d
43000
859657
43000
735334
1702846
607474
191
Hw$b
2605503
1385999
3357393
2099471
69515
71932
4465
4361
7535
Mmby gn{m`m
ZJX Ed ~H$ eof
A{J_ Ed A` gn{m
277311
313270
667994
512929
Hw$b `moJ - (E)
945305
826199
dV_mZ Xm{`d
mdYmZ
1229704
1144044
549005
471921
Hw$b `moJ - (~r)

{ddY IM (_m\$ Zht {H$ò Jò)
1778710
1615964
(833404)
(789765)
2605503
1385999
{Z{Y`m| H$m Cn`moJ

{Zdoe
F$U
WmB gn{m`m
{X`m hAm H$a gn{m`m
Hw$b
181
182
77
1
23
20
11
5
64
29
8
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66
58
39
151
1
3
1
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35
52
34
1
95
1
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50
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1
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1039
91
1
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39
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55
42
17
14
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59
51
52
124
1
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1
37
88
73
1
94
4
105
9
103
AmY Xoe
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Jmodm
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h[a`mUm
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H$ZmQ>H$
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_hmam>m
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CS>rgm
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4
1220
63
11
`y
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ZoeZb
am`/Ho$
ne{gV Xoe
145
1
49
31
14
8
79
46
13
13
18
99
97
53
140
1
5
1
1
30
83
90
1
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4
81
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48
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1437
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1
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17
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1
80
47
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7
7
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7
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46
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1
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1
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1
26
36
14
4
67
33
15
14
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73
56
43
103
1
3
1
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30
61
57
1
71
3
95
13
38
Q>mQ>m
EAmBOr
am`b
gwXa_
68
Amo[a`Q>b
1
212
15
11
20
15
3
8
9
2
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1
21
7
1
1
4
15
13
13
33
16
[ab`mO
60
1
1
1
4
1
3
16
1
1
7
3
1
350
17
19
17
1
22
1
36
7
20
3
4
7
2
26
16
2
2
4
23
16
19
43
31
1
232
13
10
1
14
1
25
6
13
7
3
5
4
4
27
5
2
2
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9
6
32
22
BH$mo AmBgrAmBgrAmB ~OmO

Q>mo{H$`mo
bm~mS>
Ab`mO
78
5
1
2
1
106
6
1
3
27
2
4
2
2
6
7
3
18
1
2
4
8
3
11
2
4
5
1
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9
3
Mmobm
_S>b_
1
1
1
1
5
2
EMS>rE\$gr
EoaJmo
Ja OrdZ ~r_mH$VmAm| Ho$ am`mZwgma H$m`mb`m| H$s g`m (31 _mM 2010 VH$)
2
215
11
13
57
4
3
6
2
4
1
1
1
20
15
10
23
1
1
2
29
Q>ma
hoW
{ddaU 69
dm{fH$ [anmoQ>
2009-10
AmY Xoe
A$UmMb Xoe
Ag_
{~hma
N>mrgJT>
Jmodm
JwOamV
h[a`mUm
{h_mMb Xoe
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PmaIS>
H$ZmQ>H$
Ho$abm
_` Xoe
_hmam>m
_{Unwa
_oKmb`
{_Omoa_
ZmJmbS>
CS>rgm
nOm~
amOWmZ
{g[$_
V{_bZmSw>
[nwam
Cma Xoe
CmamIS>
n{_ ~Jmb
MS>rJT>
XmXa VWm ZJa hdobr
X_Z Ama Xrd
{Xr
bjrn
nwSw>Moar
Hw$b
am`/Ho$
ne{gV Xoe
1
1
1
183
3
2
1
1
30
11
91
39
2
2
2
2
1
2
2
1
2
8
2
2
2
4
6
1
1
`y{Zdgb
gmonmo
1
2
1
2
1
1
6
5
1
1
2
4
6
4
15
Anmobmo
_wZrM
`yMa
OZabr
50
3
1
2
55
8
1
1
3
7
1
1
2
5
1
5
1
2
8
1
3
3
3
5
lram_
1
1
3
1
^maVr
Egm
0
0
1
0
0
0
1
ahoOm
`y~rB
18
1
1
1
1
1
1
1
1
1
1
1
1
1
1
EAmBgr
Ja OrdZ ~r_mH$VmAm| Ho$ am`mZwgma H$m`mb`m| H$s g`m (31 _mM 2010 VH$)
57
10
1
2
2
4
1
1
11
4
2
BOrgrOr
526
3
149
143
76
39
396
207
60
61
103
413
352
260
769
4
15
4
6
178
353
325
5
656
13
504
88
326
3
54
1
2
301
1
21
6417
Hw$b
Omar... {ddaU 69
dm{fH$ [anmoQ>
2009-10
dm{fH$ [anmoQ>
2009-10
{ddaU 70
Vrgam nj emgH$ 2009-10 Ho$ XmamZ m Xmdm| H$s g`m d Ad{YAZwgma Xmdm| H$m {ZQ>mam
H$.
g.
Q>rnrE H$m Zm_
m Xmdm|
H$s
g`m
_hrZo
Ho$ AXa
{ZnQ>mò Jò Xmdo

1-3 _hrZ
3-6 _hrZ
Ho$ AXa
Ho$ AXa
go `mXm
6 _hrZ
nmH$ _o{S>bo_ Q>rnrE mBdoQ> {b{_Q>oS>
9257
8164
(88.19)
201
(2.17)
53
(0.64)
6
(0.07)
{dnwb _oS> H$mon Q>rnrE mBdoS> {b{_Q>oS>
248790
191293
(76.89)
11484
(4.62)
906
(0.36)
152
(0.08)
Ab{H$V hoW Ho$à Q>rnrE {b{_Q>oS>
85987
28099
(32.68)
35661
(41.47)
11241
(13.07)
3143
(3.66)
AmBHo$à hoW _ZoO_|Q> ES> Q>rnrE g{dgogb. {b.
5479
3099
(56.56)
744
(13.58)
14
(0.26)
0
(0.00)
S>oS>rHo${Q>S> hoW Ho$à g{dgog, {b.
157109
93376
(59.43)
59626
(37.95)
6880
(4.38)
1679
(1.07)
_o{S>Ho$à Q>rnrE g{dgog (B{S>`m) mBdoQ> {b{_Q>oS>
74307
49085
(66.06)
8137
(10.95)
208
(0.28)
111
(0.15)
E_S>r B{S>`m hoWHo$à Q>rnrE g{dgog mBdoQ> {b{_Q>oS>
405852
373118
(91.93)
19692
(4.85)
1538
(0.38)
0
(0.00)
h[aQ>oO hoW Q>rnrE mBdoQ> {b{_Q>oS>
75440
30427
(40.33)
36248
(48.05)
9355
(12.40)
1769
(2.34)
Oo{Zg B{S>`m Q>rnrE {b{_Q>oS>
78476
52605
(67.03)
23332
(29.73)
7162
(9.12)
2190
(2.79)
10
amoW>erS> hoWHo$à Q>rnrE g{dgog {b.
529
363
(68.62)
117
(22.12)
24
(4.54)
5
(0.95)
11
B-_o{S>Q>oH$ Q>rnrE g{dgog {b{_Q>oS>
319807
255866
(80.00)
31984
(10.00)
7803
(2.43)
0
(0.00)
12
nmaoI hoW _ZoO_|Q> (mBdoQ>) {b{_Q>oS>
81989
47357
(57.76)
22366
(27.28)
1184
(1.44)
183
(0.22)
13
go\$do Q>rnrE g{dgog m.{b.
13856
9679
(69.85)
2667
(19.25)
935
(6.75)
0
(0.00)
ZmoQ>: H$mo>H$ _o {Mm AZwnmV ({VeV _o) gHo$V Hw$b m Xmdm| Ho$ ~go Xmdm|
`y{Zdgb _oS>rEoS> g{dgog {b. H$m bmBg|g a {H$`m J`m h & Q>rnrE Ho$ gMmbZ na ahZo Ho$ {bE m H$s h AmXoe AmBAmaS>rE & AmBAmaS>rE _m_bo bS> aho h &
184
2009-10
dm{fH$ [anmoQ>
Omar.... {ddaU 70
Vrgam nj emgH$ 2009-10 Ho$ XmamZ m Xmdm| H$s g`m d Ad{YAZwgma Xmdm| H$m {ZQ>mam
H$.
g.
Q>rnrE H$m Zm_
14
_oS> god hoW Ho$à Q>rnrE {b{_Q>oS>
15
JwS> hoWbmZ {b{_Q>oS>
16
m Xmdm|
H$s
g`m
_hrZo
Ho$ AXa
{ZnQ>mò Jò Xmdo

1-3 _hrZ
3-6 _hrZ
Ho$ AXa
Ho$ AXa
6 _hrZ
go `mXm
118426
70909
(59.88)
36857
(31.12)
6422
(5.42)
1613
(1.36)
36709
10912
(29.72)
16518
(45.00)
5787
(15.77)
1302
(3.55)
hoW B{S>`m Q>rnrE g{dgog {b.
234058
118807
(50.76)
72889
(31.14)
24667
(10.54)
5231
(2.23)
17
_o{S> A{gQ> BpS>`m Q>rnrE mBdoQ> {b{_Q>oS>
376000
308818
(82.13)
18019
(4.80)
865
(0.23)
276
(0.07)
18
AZ_mob _o{S>Ho$à Q>rnrE {b{_Q>oS>
13036
8926
(68.47)
3390
(26.00)
415
(3.18)
0
(0.00)
19
ajm Q>rnrE mBdoQ> {b{_Q>oS>
394606
325415
(82.47)
35412
(8.97)
0
(0.00)
0
(0.00)
20
\${_br hoW bmZ Q>rnrE {b{_Q>oS>.
130104
52525
(40.37)
36166
(27.80)
11055
(8.50)
3807
(2.93)
21
Q>rQ>rHo$ hoWHo$à Q>rnrE g{dgog mBdoQ> {b{_Q>oS>
305017
162303
(53.21)
94294
(30.91)
21343
(7.00)
6857
(2.25)
22
nam_mCQ> hoW g{dgog mBdoQ> {b{_Q>oS>
148527
117013
(78.78)
12546
(8.45)
1248
(0.84)
749
(0.50)
23
BQ>doQ> A{gQ> Q>rnrE mBdoQ> {b{_Q>oS>
51110
29879
(58.46)
18454
(36.11)
1742
(3.41)
265
(0.52)
24
\$moH$g hoWHo$à mBdoQ> {b{_Q>oS>
1469
109
(7.42)
604
(41.12)
638
(43.43)
24
(1.63)
25
EZ`wVm _o{S>ZoQ> hoWHo$à Q>rnrE mBdoQ> {b{_Q>oS>
76
76
Nil
Nil
Nil
26
lr JmoHw$b_ hoW g{dgog Q>rnrE (m.) {b.
Nil
Nil
Nil
Nil
Nil
27
JmS> hoW Ho$à Q>rnrE B{S>`m m.{b.
Nil
Nil
Nil
Nil
Nil
3365940
2348147
(69.76)
597408
(17.75)
121485
(3.61)
29362
(0.87)
Hw$b
ZmoQ>: H$mo>H$ _o {Mm AZwnmV ({VeV _o) gHo$V Hw$b m Xmdm| Ho$ ~go Xmdm|
`y{Zdgb _oS>rEoS> g{dgog {b. H$m bmBg|g a {H$`m J`m h & Q>rnrE Ho$ gMmbZ na ahZo Ho$ {bE m H$s h AmXoe AmBAmaS>rE & AmBAmaS>rE _m_bo bS> aho h &
Nil.: H$moB Xmdm `m g_PmVm Zhr {H$`m &
185
EoOrJmZ aobrJoà
A{ddm
~OmO A{b`mO
^maVr Egm
~rabm gZbmB\$
Ho$Zam EMEg~rgr
S>rEb\$ m_o[aH$m
`yMa OZabr
EMS>rE\$gr Q>S>S>
AmBgrAmBgrAmB w.
AmBS>r~rAmB \o$S>b
AmBEZOr d`
H$moQ>H$ _ho
EbAmBgr
_mg `y`mH$
_oQ> bmB\$
[abm`mg
ghmam
Eg~rAmB bmB\$
lram_
Q>ma `y{Z`Z
Q>mQ>m EAmBOr
Hw$b
186
22
21
20
19
18
17
16
15
14
13
12
11
10
~r_mH$Vm
H$.
g.
1
79
2449
0
16
458
16
1
80
184
23
19
75
187
40
9
606
186
29
21
151
10
330
154
14
56
24
0
0
153
38
173
38
0
152
df Ho$ XmamZ
m Xmdm|
H$s g`m
13
ma{^H$
eof
2512
83
16
94
192
79
227
642
132
40
296
171
24
141
21
195
142
df Ho$ XmamZ
{ZnQ>mò Jò
Xmdo
2009-10
86.00
87
100
100
95
67
93
94
100
81
82
80
67
86
81
92
100
87
55
92
86
100
df Ho$ XmamZo
{ZnQ>m` Jò Xmdo
H$m {VeV
395
12
15
150
29
10
48
39
21
17
16
23
df Ho$ AV _|
eof
241
12
69
20
23
26
17
11
16
23
76
28
15
12
78
53
10
Ad{Y AZwgma {dMmaYrZ {eH$m`Vm|

H$m {ddaU
<=30 {XZ
30<=180 {XZ
>180 {XZ
{eH$m`Vm| H$s pW{V : OrdZ ~r_mH$VmAm| Ho$ {bò 2009-10
[ddaU 71
dm{fH$ [anmoQ>
2009-10
dm{fH$ [anmoQ>
2009-10
[ddaU 72
{eH$m`Vm| H$s pW{V : OrdZ ~r_mH$Vm

(Ab-OyZ 2010)
H$.
g
~r_mH$Vm
31 _mM
2010 VH$
Ab-OyZ 2010
Ho$ XmamZ
Xm{Ib
Ab-OyZ 2010
Ho$ XmamZ
gwbPmò Jò
{db{~V
30 OyZ
2010 VH$
{db{~V
EJmoZ aobrJoà
A{ddm
23
68
82
~OmO AbmÒ
16
76
26
66
^maVr Egm
17
12
28
{~abm gZbmB\$
21
41
19
43
Ho$Zam ~H$
S>rEbE\$ m_o[aH$m
`yMa OZabr
11
13
MES>rE\$gr Q>S>S>
39
47
15
71
10
AmBgrAmBgrAmB
48
123
41
130
11
AmBS>r~rAmB \o$S>b
12
AmBEZOr d`m
10
15
25
13
H$moQ>H$ _ho
29
65
28
66
14
EbAmBgr
150
246
141
255
15
_mg `y `mH$
53
50
16
_oQ>bmB\$
23
28
17
[abm`g
15
46
58
18
ghmam
19
Eg~rAmB bmB\$
32
31
20
lram_
21
Q>ma `y{Z`Z
22
Q>mQ>m EAmBOr
12
27
38
395
908
293
1010
Hw$b
187
188
i)
ii)
iii)
iv)
1
2
3
4
5
6
7
8
9
10
11
12
13
14
{db{~V
(III)
31 _mM
2009 VH$
ZoeZb
136
`y BpS>`m
220
AmoaEQ>b
44
`yZmBQ>oS> BpS>`m
42
BgrOrgr
1
EAmBgr
0
Hw$b
443
Anmobmo S>rHo$dr
0
~OmO AbmÒ
38
^maVr Egm
0
Mmobm_S>b_
5
`yMa OZabr
3
EMS>rE\$ BaJmo
1
AmBgrAmBgrAmB b~mS>
25
BH$mo Q>mo{H$`mo
16
[abm`g
74
am`b gwXa_
20
lram_
0
Q>ma hoW
2
Q>mQ>m EAmBOr
26
`y{Zdg gmonmo
0
Hw$b
210
Hw$b `moJ
653
nm{bgr _m_bo
{ZnQ>mam Zhr/Xmdo Ho$ {ZnQ>mao _| Xoar
Xmdo H$m nm{jH$ AdrH$aU/{ZnQ>mam
A` H$maU
~r_mH$Vm
H$.
g.
1
2
3
4
5
6
(II)
(I)
269
338
170
277
3
4
1061
8
105
1
34
9
15
315
75
286
55
2
23
84
3
1015
2076
do Ho$ XmamZ
Xm{Ib
(IV))
405
558
214
319
4
4
1504
8
143
1
39
12
16
340
91
360
75
2
25
110
3
1225
2729
Hw$b {eH$m`V|
(V)=(III) + (IV)
260
381
133
298
2
3
1077
7
119
1
32
12
15
324
69
325
56
2
25
108
1
1096
2173
df Ho$ XmamZ
gwbPmò Jò
(VI)
145
177
81
21
2
1
427
1
24
0
7
0
1
16
22
35
19
0
0
2
2
129
556
(VII)
31 _mM
2009 VH$
{eH$m`Vm| H$s pW{V - Ja OrdZ ~r_mH$Vm 2009-10
34
64
25
2
1
0
126
1
12
0
3
0
1
9
7
12
11
0
0
2
1
59
185
(i)
75
70
41
11
1
0
198
0
7
0
1
0
0
5
8
20
3
0
0
0
1
45
243
(ii)
28
34
13
6
0
0
81
0
5
0
3
0
0
1
6
2
5
0
0
0
0
22
103
(iii)
8
9
2
2
0
1
22
0
0
0
0
0
0
1
1
1
0
0
0
0
0
3
25
(iv)
{eH$m`Vm| Ho$ AmYma na dJuH$aU
[ddaU 73
dm{fH$ [anmoQ>
2009-10
189
i)
ii)
iii)
iv)
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
{db{~V
(III)
31 _mM
2010 VH$
AmoaEQ>b
81
`y BpS>`m
177
`yZmBQ>oS> BpS>`m
21
ZoeZb
145
BgrOrgr
2
EAmBgr
1
Hw$b
427
~OmO AbmÒ
24
Q>mQ>m EAmBOr
2
am`b gwXa_
19
BH$mo Q>mo{H$`mo
22
[a`mbg
35
Mmobm_S>b_
7
AmBgrAmBgrAmB b~mS>
16
EMS>rE\$ BaJmo
1
Q>ma hoW
0
Anmobmo S>rHo$dr
1
`yMa OZabr
0
`y{Zdg gmonmo
2
lram_
0
^maVr Egm
0
ahoOm `y~rB
0
Hw$b
129
Hw$b `moJ
556
nm{bgr _m_bo
{ZnQ>mam Zhr/Xmdo Ho$ {ZnQ>mao _| Xoar
Xmdo H$m nm{jH$ AdrH$aU/{ZnQ>mam
A` H$maU
~r_mH$Vm
H$.
g.
1
2
3
4
5
6
(II)
(I)
82
110
76
104
1
0
373
24
17
9
28
122
14
72
9
5
2
1
6
1
1
0
311
684
Ab-OyZ
2010 Ho$ XmamZ
Xm{Ib
(IV))
163
287
97
249
3
1
800
48
19
28
50
157
21
88
10
5
3
1
8
1
1
0
440
1240
Hw$b {eH$m`V|
(V)=(III) + (IV)
18
55
16
37
1
0
127
13
7
10
14
61
9
38
5
2
0
0
1
1
0
0
161
288
Ab-OyZ
2010 Ho$ XmamZ
gwbPmò Jò
(VI)
145
232
81
212
2
1
673
35
12
18
36
96
12
50
5
3
3
1
7
0
1
0
279
952
{db{~V
(VII)
30 OwZ
2010 VH$
(i)
47
69
7
42
1
0
166
9
4
5
14
53
3
21
0
1
3
0
2
0
0
0
115
281
{eH$m`Vm| H$s pW{V - Ja OrdZ ~r_mH$Vm (Ab-OyZ 2010)
81
131
53
131
1
1
398
14
3
7
13
27
7
16
3
2
0
1
4
0
0
0
97
495
(ii)
17
32
21
39
0
0
109
12
5
6
9
16
2
13
2
0
0
0
1
0
1
0
67
176
(iii)
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
(iv)
{eH$m`Vm| Ho$AmYma na dJuH$aU
[ddaU 74
dm{fH$ [anmoQ>
2009-10
190
1. {g\$m[ae
2. nwaH$ma
3. dmng
4. AdrH$V
Ah_Xm~mX
^monmb
^wdZoa
MS>rJT>
MoB
{Xr
JwdmhQ>r
hXam~mX
H$mor
H$mobH$mm
bIZD$
_~B
Hw$b
~r_m bmoH$nmb
Ho$
815
370
1111
1004
1116
8967
20
35
55
22
557
9524
1138
1004
1166
405
835
325
1570
957
1051
319
445
309
Hw$b
6. H$moB nmMma Zht

(E) 3 _hrZm| Ho$ AXa
(~r) 3 _hrZo go 1 gmb VH$
(gr) 1 gmb Oo `mXm
308
17
931
120
1471
220
99
99
379
66
941
301
16
df Ho$ XmamZ
m {H$ò
Amo/Eg
31-03-2009
{eH$m`Vm| H$s g`m
12
20
16
(II)
26
45
28
17
21
1209 481
86
110
99
37
23
135
136
42
267 289
190
64
20
(I)
572
101
82
80
32
18
36
118
28
32
43
(III)
856
93
56
291
223
(IV)
6374
1024
767
745
224
762
178
1155
Bg Vah {ZnQ>mB
J`r {eH$m`Vm| H$s g`m
8636
1110
1004
971
369
822
317
1326
955
767
286
407
302
Hw$b
7886
1069
958
790
353
822
304
1154
944
694
115
382
301
(E)
717
41
46
155
16
13
172
11
72
165
25
(~r)
33
26
(gr)
955
767
286
407
302
Hw$b
8636
1110
1004
971
369
822
317
1326
g_` gr_m AmYm[aV {ZnQ>mam
{d{^ Ho$m| na ~r_m bmoH$nmb H$m H$m` Va

(OrdZ ~r_m)
602
17
103
36
13
130
217
32
38
(E)
286
11
92
114
67
(~r)
(gr)
g_` ~r_m AmYm[aV ~mH$s
888
28
195
36
13
244
284
33
38
Hw$b
{ddaU 75
dm{fH$ [anmoQ>
2009-10
Ah_Xm~mX
^monmb
^wdZoa
MS>rJT>
MoB
{Xr
JwdmhQ>r
hXam~mX
H$mor
H$mobH$mm
bIZD$
_~B
Hw$b
1. {g\$m[ae
2. nwaH$ma
3. dmng
4. AdrH$V
~r_m bmoH$nmb
Ho$
191
423
469
683
225
1223
7097
15
43
130
167
838
7935
1390
225
813
512
438
279
1188
736
1163
172
158
861
Hw$b
6. H$moB nmMma Zht

(gr) 1 gmb Oo `mXm
241
38
987
176
1050
109
63
138
136
22
719
832
29
17
df Ho$ XmamZ
m {H$ò
Amo/Eg
31-03-2009
{eH$m`Vm| H$s g`m
28
36
(II)
122
42
22
45
30
1947 470
400
47
86
72
109
209
122
76
436 136
79
34
277
(I)
700
39
113
27
47
57
186
49
30
149
(III)
712
56
431
244
220
47
718
556
56
15
27
355
(IV)
3437
Bg Vah {ZnQ>mB
6554
1112
225
598
451
401
259
893
719
814
146
119
817
Hw$b
5560
770
225
436
426
401
242
705
632
744
56
109
814
(E)
936
342
105
25
17
188
87
70
89
10
(~r)
58
57
(gr)
225
598
451
401
259
893
719
814
146
119
817
Hw$b
6554
1112

(Ja OrdZ ~r_m)
885
205
66
61
37
19
126
16
257
26
28
44
(E)
496
73
149
169
92
11
(~r)
(gr)
1381
278
215
61
37
20
295
17
349
26
39
44
Hw$b
[ddaU 76
dm{fH$ [anmoQ>
2009-10
192
1. {g\$m[ae
2. nwaH$ma
3. dmng
4. AdrH$V
Ah_Xm~mX
^monmb
^wdZoa
MS>rJT>
MoB
{Xr
JwdmhQ>r
hXam~mX
H$mor
H$mobH$mm
bIZD$
_~B
Hw$b
~r_m bmoH$mnmb
Ho$
1133
515
329
1918
1660
2521
549
1238
839
1794
1229
2339
16064
37
88
162
296
33
237
55
35
78
185
189
1395
17459
2528
1229
1979
917
1273
604
2758
1693
2214
491
603
1170
Hw$b
6. H$moB nmMma Zht

(gr) 1 gmb Oo `mXm
df Ho$ XmamZ
m {H$ò
Amo/Eg
31-03-2009
{eH$m`Vm| H$s g`m
15
48
52
(II)
87
50
50
23
51
3156 951
486
157 148
185
109
132
344
258
118
703 425
269
98
297
(I)
1272
101
121
193
59
65
93
304
77
62
192
(III)
149
71
318
578
(IV)
2222
1229
1569
820
1223
576
2219
1674
1581
432
526
1119
Hw$b
1839
1183
1226
779
1223
546
1859
1576
1438
171
491
1115
(E)
1653
383
46
260
41
30
360
98
142
254
35
(~r)
2222
1229
1569
820
1223
576
2219
1674
1581
432
526
1119
Hw$b
91 15190
83
(gr)
9811 15190 13446
1736
823
1176
468
982
225
1873
1412
Bg Vah {ZnQ>mB

(OrdZ ~r_m Ed Ja OrdZ ~r_m)
1487
222
169
97
50
27
256
17
474
58
66
51
(E)
782
84
241
283
159
11
(~r)
(gr)
2269
306
410
97
50
28
539
19
633
59
77
51
Hw$b
[ddaU 77
dm{fH$ [anmoQ>
2009-10
dm{fH$ [anmoQ>
2009-10
gbZH$
193
dm{fH$ [anmoQ>
194
2009-10
dm{fH$ [anmoQ>
2009-10
gbH$ 1
^maV _o H$m_ H$aZo dmbr ~r_m H$n{Z`m

OrdZ ~r_mH$Vm*
gmdO{ZH$ jo
1
*31
^maVr` OrdZ ~r_m {ZJ_ (EbAmBgr)
{ZOr jo
1
EJmoa abrJà B`moa| H$. {b.
A{ddm bmB\$ B`moaog H$. {b. (A{ddm)
~OmO AbmÒ bmB\$ B`moa|g H$.{b.
^maVr Egm bmB\$ Bàmoa|g H$.{b. (^maVr Egm)
{~abm gZ bmB\$ Bàmoa|g H$. {b. (~rEgEbAmB)
Ho$Zam EMEg~rgr Amo[aEQ>b ~H$ Am\$ H$m_g bmB\$ Bàmoa|g H$.{b.
S>rEbE\$ m_o[aH$m bmB\$ B`moa|g H$.{b.
`yMa OZab B{S>`m bmB\$ B`moa|g H$.{b. (`yMa OZab B{S>`m bmB\$)
EMS>rE\$gr Q>S>S> bmB\$ B`ma|g H$.{b. (EMS>rE\$gr Q>S> bmB\$)
10
AmggrAmBgrAmB yS>{| e`b bmB\$ Bàmoag

| H$.{b. (AmBgrAmBgrAmBr y.)
11
AmBS>r~rAmB \o$S>b bmB\$ B`moa|g H$. {b.
12
AmBEZOr do`m bmB\$ B`moa|g H$.{b. (AmBEZOr do`m)
13
BpS>`m \$Q> bmB\$ B`moa|g H$. {b.
14
H$moQ>H$ _{hm AmoS> `w`wAb B`moa|g H$.{b.
15
_g `y`mH$ bmB\$ B`moa|g H$.{b. (E_EZdmBEb)
16
_Q> bmB\$ B`moa|g H$.m.{b. (_Q>bmB\$)
17
[abm`g bmB\$ B`moa|g H$.{b.
18
ghmam B{S>`m bmB\$ B`moa|g H$.{b. (ghmam bmB\$)
19
Eg~rAmB bmB\$ B`moa|g H$.{b. (Eg~rAmB bmB\$)
20
lram_ bmB\$ B`moa|g H$.{b. (lram_ bmB\$)
21
Q>ma `y{Zà S>mB-BMr bmB\$ B`moa|g H$.{b.
22
Q>mQ>m EAmBOr B`moa|g H$.{b. (Q>mQ>m EAmBOr)
AJV 2010 na
195
dm{fH$ [anmoQ>
2009-10
Omar... gbH$ 1
^maV _| H$m_ H$aZo dmbr ~r_m H$n{Z`m

OrdZ ~r_mH$Vm *
gmdO{ZH$ jo
{ZOr jo
`y B{S>`m E`moa|g H$.{b. (`y B{S>`m)
~OmO AbmÒ bmB\$ B`moa|g H$.{b.
ZoeZb B`moa|g H$.{b. (ZoeZb)
^maVr Egm bmB\$ B`moa|g H$.{b. (^maVr Egm)
X. Amo[aEQ>b B`moa|g H$. {b. (Amo[aEQ>b)
Mmobm_S>b_ E_Eg OZab B`moa|g H$.{b. (Mmobm_S>b_)
`yZmBQ>oS> B{S>`m B`moa|g H$.{b. (`yZmBQ>oS>)
`yMa OZab B{S>`m bmB\$ B`moa|g H$.{b. (`yMa OZab B{S>`m)
EMS>rE\$gr Q>S>S> bmB\$ B`moa|g H$.{b. (EMS>rE\$gr)
{deofk ~r_mH$Vm
AmggrAmBgrAmB yS>{| e`b bmB\$ B`moa|g H$.{b. (AmBgrAmBgrAmBr y.)
EgnmoQ> Ho${S>Q> JmaQ>r H$moanmoaoeZ {b. (BgrOrgr)
BH$mo Q>mo{H$`mo OZab B`moa|g H$.{b. (BH$mo Q>mo{H$`mo)
^maVr` H${f ~r_m gWmZ (EAmBgr)
Eb & Q>r OZab B`moa|g H$.{b.
ahoOm `y~rB OZab B`moa|g H$.{b.
10
[abm`g OZab B`moa|g H$.{b.
11
am`b gwXa_ Abm`g B`moa|g H$. {b. (am`b gwXa_)
12
Eg~r AmB OZab B`moa|g H$.{b.
13
lram_ OZab B`moa|g H$.{b.
14
Q>mQ>m EAmBOr OZab B`moa|g H$.{b.
15
`y{Zdgb gmonmo OZab B`moa|g H$.{b.
dm` ~r_mH$Vm
16
Anmobmo S>rHo$dr B`moa|g H$.{b. (Anmobmo S>rHo$dr)
17
_mg ~wnm hoW B`moa|g H$.{b.
18
Q>ma hoW ES> EbmBS> B`moa|g H$.{b.
nwZ~u_mH$Vm:
*31
AJV 2010 na
196
dm{fH$ [anmoQ>
2009-10
gbH$ 2
~r_mH$Vm Ed {d{^ _`Vm| H$s ewH$ gaMZm

H$.g.
~r_mH$Vm/_`W
gH$aU
ewH$
nOrH$aU
ewH$
ZdrZrH$aU ewH$
~r_mH$Vm (OrdZ/JaOrdZ/
nwZ~u_mH$Vm
` 50,000
^maV _| {H$ò Jò _| go, {VeV _|

grYo gH$b {H$V _| go 1/10th of 1%
Ho$ AYrZ ` 50,000 Ama A{YH$V_
` 5 H$amoS>
Vrgam nj emgH$
`20,000
`30,000
`30,000
3 df
Xbmb `j
`20,000
{nN>b {dm df _| H$_mò Jò ~moH$a

Xa Ed ewH$ H$m 0.5 {VeV
`25,000 Ama A{YH$V_
`1,00,000
3 df
Xbmb nwZ~r_m
`25,000
{nN>bo {dma df _| H$_mò Jò ~moH$a

Xa Ed ewH$ H$m 0.5 {VeV `yZV_
` 75,000 Ama A{YH$V_
`3,00,000
3 df
g`w $ Xbmb
`4,00,000
{nN>bo {dm` df _| H$_mò Jò ~moH$a

Xa Ed ewH$ H$m 0.5 {VeV `yZV_
`1,25,000 Ama A{YH$V_
`5,00,000
3 df
`10,000
` 7,500
` 5,000
ha dJ Ho$ {bò `200
5 df
A
B
C
`25,000
`20,000
`15,000
ha dJ Ho$ {bò `200
5 df
{ZJ{_V A{^H$Vm
{ZJ_ ~r_m emgH$ `250

Ho$ {bò `250 Ed
{Z{X> `{$
Ho$ {bò `500
ZdrZrH$aU
g_` gr_m
n{V df
31 {Xg~a
gd}jH$ Ed hm{Z {ZYmaH$

`{$JV dJ
A
B
C
{ZJ{_V dJ
197
3 df
VH$
dm{fH$ [anmoQ>
2009-10
gbH$ 3(i)
^maVr` O_-_w`w Xa (1994-96) (gemo{YV) {ZYmaU A{V_

Am`w
_`w Xa
Am`w
_`w Xa
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
0.001630
0.000960
0.000670
0.000620
0.000470
0.000420
0.000380
0.000400
0.000400
0.000400
0.000380
0.000450
0.000530
0.000650
0.000713
0.000770
0.000823
0.000873
0.000919
0.000961
0.000999
0.001033
0.001063
0.001090
0.001113
0.001132
0.001147
0.001159
0.001166
0.001170
0.001170
0.001171
0.001201
0.001246
0.001308
0.001387
0.001482
0.001593
0.001721
0.001865
0.002053
0.002247
0.002418
0.002602
0.002832
0.003110
0.003438
0.003816
0.004243
0.004719
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
0.005244
0.005819
0.006443
0.007116
0.007839
0.008611
0.009433
0.010294
0.011025
0.011951
0.013073
0.014391
0.015904
0.017612
0.019516
0.021615
0.022724
0.025617
0.028823
0.032372
0.036294
0.040623
0.045392
0.050639
0.056404
0.062728
0.069655
0.077231
0.085502
0.094519
0.104331
0.114992
0.126553
0.139067
0.151077
0.162298
0.174149
0.186638
0.199775
0.213560
0.227995
0.243072
0.258782
0.275109
0.292031
0.309522
0.327549
0.346073
0.365052
0.384436
198
dm{fH$ [anmoQ>
2009-10
gbH$ 3(ii)
^maVr` OrdZ ~r_m {ZJ_ _| ~r_mH$V Ho$ O_-_`w Xa {ZYmaU

EAmBgr E (96-98) A{V_
Am`w
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
_`w Xa
0.000919
0.000961
0.000999
0.001033
0.001063
0.001090
0.001113
0.001132
0.001147
0.001159
0.001166
0.001170
0.001170
0.001171
0.001201
0.001246
0.001308
0.001387
0.001482
0.001593
0.001721
0.001865
0.002053
0.002247
0.002418
0.002602
0.002832
0.003110
0.003438
0.003816
0.004243
0.004719
0.005386
0.006058
0.006730
0.007401
0.008069
0.008710
0.009397
0.010130
0.010907
0.011721
0.011750
0.012120
0.012833
Ano{jV O_ Xa
Am`w
_`w Xa
57.45
56.50
55.56
54.61
53.67
52.72
51.78
50.84
49.89
48.95
48.01
47.06
46.12
45.17
44.22
43.28
42.33
41.38
40.44
39.50
38.56
37.63
36.70
35.77
34.85
33.93
33.02
32.11
31.21
30.32
29.43
28.56
27.69
26.84
26.00
25.17
24.35
23.55
22.75
21.96
21.18
20.41
19.64
18.87
18.10
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
0.013889
0.015286
0.017026
0.019109
0.021534
0.024301
0.027410
0.030862
0.034656
0.038793
0.043272
0.048093
0.053257
0.058763
0.064611
0.070802
0.077335
0.084210
0.091428
0.098988
0.106891
0.115136
0.123723
0.132652
0.141924
0.151539
0.161495
0.171794
0.182436
0.193419
0.204746
0.216414
0.228425
0.240778
0.253473
0.266511
0.279892
0.293614
0.307679
0.322087
0.336836
0.351928
0.367363
0.383139
0.399258
0.415720
199
Ano{jV O_ Xa
17.33
16.56
15.81
15.08
14.36
13.67
12.99
12.35
11.72
11.13
10.56
10.01
9.49
9.00
8.53
8.08
7.66
7.26
6.88
6.52
6.19
5.87
5.56
5.28
5.01
4.76
4.52
4.29
4.07
3.87
3.68
3.50
3.33
3.17
3.01
2.86
2.72
2.59
2.46
2.33
2.19
2.05
1.89
1.70
1.45
1.08
dm{fH$ [anmoQ>
2009-10
gbH$ 4
{dm df 2009-10 Ho$ XmamZ nm[aV {H$ò Jò OrdZ ~r_m CnmX
H$.g
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EJmoZ aobrJoa Jwn Ho$S>rQ> bmB\$ bmZ
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EJmoZ aobrJoa r{_`_ JoZ bg bmZ
EJmoZ aobrJoa doW moQ>oQ> bmZ
EJmoZ aobrJoa _Zr bmZ
EJmoZ aobrJoa doW moQ>oQ> bg bmZ
EJmoZ aobrJoa JmoW bmZ
138L013V01
138L014V01
138L015V01
138N016V01
138N017V01
138L001V02
138L005V02
138L010V02
138L013V02
138L014V02
138N018V01
138L019V01
138L020V01
A{ddm bmB\$
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A{ddm H$manm}aoQ> bmB\$ bg
A{ddm bmJ bmB\$ g_{
A{ddm YZ gM`
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A{ddm `y bmB\$ ~mS> bg
A{ddm `y `J H$mba bmZ
A{ddm `y g{MZ goZ`rar bmZ
A{ddm A`w{Q> bg
A{ddm `y bmB\$ goda bg
A{ddm doW moQ>oQ>
122N065V01
122N066V01
122N067V01
122N068V01
122N069V01
122L070V01
122L071V01
122L072V01
122L073V01
122L074V01
122L075V01
122L076V01
122L077V01
122N018V02
122L078V01
122L079V01
~OmO AbmÒ bmB\$
~OmO AbmÒ `y `y{ZQ> JoZ Bgr n|eZ bg - Amanr

~OmO AbmÒ Jwn godm bmZ
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~OmO AbmÒ Jwn go`ya bmB\$
~OmO AbmÒ _mQ> BZdoQ> bmZ
~OmO AbmÒ g|`yar bg III
~OmO AbmÒ _mQ> BdoQ> bmZ II
~OmO AbmÒ Jwn `y{ZQ> JoZ
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~OmO AbmÒ _mg JoZ
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~OmO AbmÒ `y `y{ZQ> JoZ II
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~OmO AbmÒ doWJoZ
116L031V03
116N073V01
116N074V01
116N075V01
116L076V01
116L077V01
116L078V01
116L079V01
116L080V01
116L081V01
116L082V01
116L083V01
116L084V01
116L085V01
116L086V01
116L087V01
*A{Vr` nhMmZ g`m

200
dm{fH$ [anmoQ>
2009-10
Omar... gbH$ 4
^maVr Egm
{~abm gZbmB\$
~OmO AbmÒ [aQ>mBa_oQ> AS>dmZQ>oO Ama nr

~OmO AbmÒ [aQ>mBa_oQ> AS>dmZQ>oO Eg nr
~OmO AbmÒ erS> bg
~OmO AbmÒ `yMa go`ya II
~OmO AbmÒ Aewa JoZ
~OmO AbmÒ BZdoQ> bg r{_à
~OmO AbmÒ `y{ZQ> qbS> Q>_ am`rS>a
~OmO AbmÒ Jwn `yb AmgrS>|Q>b S>oW ~oZr\$sQ> am`rS>a
~OmO AbmÒ Jwn `yb Eb AmgrS>oQ>b
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~OmO AbmÒ `yEb AgraoQ>S> H$rQ>rH$b BbZog am`rS>a
116L088V01
116L089V01
116L090V01
116L091V01
116L092V01
116N093V01
116A021V01
116A022V01
^maVr Egm bmB\$ JmaQ>r `ybS>a

^maVr Egm bmB\$ nmQ> JmaQ>r `ybS>a
^maVr Egm bmB\$ Ho$S>rQ> go`ya
^maVr Egm bmB\$ _oarQ> bg
^maVr Egm bmB\$ BOr hoW
^maVr Egm bmB\$ ~MV ~r_m
^maVr Egm bmB\$ BbmQ> go`ya
^maVr Egm bmB\$ `yMa go`ya n|eZ
^maVr Egm bmB\$ Eogoga go`ya
^maVr Egm bmB\$ AnmBa bmB\$ bg
^maVr Egm bmB\$ ~mBQ> Q>ma bg
^maVr Egm bmB\$ doW H$mZ\$sS>|Q>
^maVr Egm bmB\$ nmQ> JmaQ>r `ybS>a
^maVr Egm bmB\$ _oarQ> bg BS>rOrB
^maVr Egm bmB\$ S>r_ bmB\$ n|eZ bg
^maVr Egm bmB\$ dU ^{d`
^maVr Egm bmB\$ `yMa AS>dmZQ>oO bmZ
^maVr Egm bmB\$ bodb Q>_ am`rS>a
^maVr Egm bmB\$ dodrà Am\$ r{_`_ AS>
H$sQ>rH$b BbZog am`rS>a
130L019V01
130L020V01
130N021V01
130L022V01
130N023V01
130N024V01
130N025V01
130L026V01
130L027V01
130L028V01
130L029V01
130L001V02
130L020V02
130L030V01
130L031V01
130L032V01
130L033V01
130A003V01
~rEgEbAmB bmQ>rZ_ bg
~rEgEbAmB hmB ZoQ>dW Q>_ bmZ
~rEgEbAmB Jwn AgoQ> A`wa bmZ
~rEgEbAmB gab doW bmZ
~rEgEbAmB gab {MbS>Z bmZ
~rEgEbAmB gab hoW bmZ
~rEgEbAmB \$sS>_ 58
~rEgEbAmB Q>Q>{Z`_ bg bmZ
~rEgEbAmB S>r_ MS> bmZ
~rEgEbAmB S>r_ [aQ>mBa_oQ> bmZ
~rEgEbAmB S>r_ [aQ>mBa_oQ> bmZ
~rEgEbAmB B_rS>ròQ> BZH$_ bmZ
~rEgEbAmB bmQ>rZ_ r{_à bmZ
~rEgEbAmB Jwn dm`w ng bmZ
109L037V02
109N044V01
109N045V01
109L046V01
109L047V01
109L048V01
109L038V02
109L049V01
109L050V01
109L051V01
109L052V01
109N053V01
109L054V01
109L055V01
201
116A023V01
116A024V01
130A004V01
dm{fH$ [anmoQ>
2009-10
Omar... gbH$ 4
6
Ho$Zam EMEg~rgr Amo~rgr
Ho$Zam EMEg~rgr Amo~rgr bmB\$ `w{ZQ> qbS> MS> bmZ

Ho$Zam EMEg~rgr Amo~rgr bmB\$ gab ~r_m bmZ
Ho$Zam EMEg~rgr Amo~rgr bmB\$ gab ~r_m bg bmZ
Ho$Zam EMEg~rgr Amo~rgr bmB\$ Q>o _mQ> bmZ
Ho$Zam EMEg~rgr Amo~rgr bmB\$ {aQ>ma _mQ> bmZ
136L009V01
136L010V01
136L011V01
136L012V01
136L013V01
S>rEbE\$ m_o[aH$m
S>rEbE\$ r_o[aH$m `m_rbr \$Q>

S>rEbE\$ r_o[aH$m `yMa ABS>rb
S>rEbE\$ r_o[aH$m VVH$mb gwajm
S>rEbE\$ r_o[aH$m \$s moQ>oQ>
S>rEbE\$ r_o[aH$m doW+
S>rEbE\$ r_o[aH$m \$sO nmoQ>oQ>+
S>rEbE\$ r_o[aH$m JmoS>Z EoO+
S>rEbE\$ r_o[aH$m JmoS>Z EoO+ gJb r{_`_
S>rEbE\$ r_o[aH$m gyna doW+ gJb r{_`_
S>rEbE\$ r_o[aH$m `yMa ABS>rbg+
S>rEbE\$ r_o[aH$m VVH$mb gwajm+
S>rEbE\$ r_o[aH$m {demb gwna MbmBS> òS>yHo$a++
S>rEbE\$ r_o[aH$ {demb gwna doW `ybS>a++
S>rEbE\$ r_o[aH$m `yZrQ> qbS> boda Q>_ am`rS>a
140N008V01
140L009V01
140L010V01
140N011V01
140L002V02
140N012V01
140L013V01
140L014V01
140L015V01
140L016V01
140L017V01
140L018V01
140L019V01
140A005V01
`yMa OZabr
`yMa OZabr AmZX bmZ

`yMa OZabr gab AmZX bmZ
`yMa OZabr \$sS>_ bg bmZ
`yMa OZabr qbS> Jwn gwnaAmZwòeZ bmZ
`yMa OZabr goqdJ gwajm
`yMa OZabr gOrdZr bg
`yMa OZabr AS>dmZQ>oO bg bmZ
`yMa OZabr EZEodr A`ya bmZ
`yMa OZabr JmaQ>r bg bmZ
`yMa OZabr JmaQ>r AS>dmZQ>oO bmZ
`yMa OZabr {Zdoe bmZ
`yMa OZabr AmgrS>|Q> S>oW am`rS>a
`yMa OZabr AmgrS>|Q>b Q>moQ>b AS> na_mZoQ> {S>go{~brQ>r am`rS>a
`yMa OZabr qbS> H$sQ>rH$b BbZogb (H$moa) am`rS>a
`yMa OZabr `yZrQ> qbS> bmB\$ JmaS>r`Z am`rS>a
`yMa OZabr `yZrQ> qbS> bmB\$ Am`ya|g am`rS>a
133N018V01
133N019V01
133L020V01
133L021V01
133L022V01
133L023V01
133L024V01
133L025V01
133L026V01
133N027V01
133L028V01
133C001V01
133C002V01
133A017V01
133A018V01
133A019V01
EMS>rE\$gr Q>S>S> bmB\$
EMS>rE\$ `y{ZQ> qbS> doW _Q>rnmbrà

EMS>rE\$ Jm_rZ ~r_m `mZ `moOZm
EMS>rE\$ r{_`_ JmaQ>r bmZ
EZS>rE\$gr n|eZ gwna
EZS>rE\$gr `J Q>ma gwna
EZS>rE\$gr ES>mo_oQ> gwna
EZS>rE\$gr `J Q>ma gwna gw{dYm
EZS>rE\$gr BZS>mo_oQ> gwna gw{dYm
EZS>rE\$gr `J Q>ma gwnu_ gw{dYm
EZS>rE\$gr gwnu_ gw{dYm
EZS>rE\$gr doW `wbS>a
EZS>rE\$gr grnbr bmB\$
101L044V01
101N045V01
101N046V01
101L047V01
101L048V01
101L049V01
101L050V01
101L051V01
101L052V01
101L053V01
101L054V01
101L033V03
202
dm{fH$ [anmoQ>
2009-10
Omar... gbH$ 4
EZS>rE\$gr n|eZ gwnu_
EZS>rE\$gr n|eZ _mgr_mBOa II
EZS>rE\$gr noeZ Mmnr`Z
EZS>rE\$gr BZS>mo_oQ> gwnu_
EZS>rE\$gr `J Q>ma Mmnr`Z gw{dYm
EZS>rE\$gr `J Q>ma gwnu_
EZS>rE\$gr EZS>mo_oQ> Mmnr`Z gw{dYm
101L055V01
101L056V01
101L057V01
101L058V01
101L059V01
101L060V01
101L061V01
10
AmBgrAmBgrAmB w.
AmBgrAmBgrAmB w. bmB\$ Q>oO A`ya n|eZ

AmBgrAmBgrAmB w. A`ya bmB\$
AmBgrAmBgrAmB w. BbmBQ> n|eZ
AmBgrAmBgrAmB w. {nmH$sb
AmBgrAmBgrAmB w. bmB\$ Q>mB_ _mgr_m
AmBgrAmBgrAmB w. r{_à doW
AmBgrAmBgrAmB w. A`ya doW
AmBgrAmBgrAmB w. BbmBQ> noeZ II
AmBgrAmBgrAmB w. bmB\$ Q>oO n|eZ AS>dmZQ>oO
AmBgrAmBgrAmB w. bmB\$ Q>mB_ n|eZ _mgr_m
AmBgrAmBgrAmB w. A`ya n|eZ
AmBgrAmBgrAmB w. bmB\$ Q>oO doW
AmBgrAmBgrAmB w. _mQ> {H$S> _mgr_m
AmBgrAmBgrAmB w. EogrB
AmBgrAmBgrAmB w. _mQ> {H$S> A`ya
AmBgrAmBgrAmB w. Q>MS> AZr`wQ>r
AmBgrAmBgrAmB w. B{_S>ròQ> A`yQ>r
105L092V01
105L093V01
105L094V01
105L095V01
105L096V01
105L097V01
105L098V01
105L099V01
105L100V01
105L101V01
105L102V01
105L103V01
105L104V01
105L105V01
105L106V01
105N107V01
105N009V05
11
AmBS>r~rAmB \o$S>b bmB\$
AmBS>r~rAmB \$moQ>ug Q>_B`moaog moQ>oeZ bmZ

AmBS>r~rAmB \$moQ>ug BZH$_B`moa|g
EZS>mo_|Q> AS> _Zr bmZ ~mH$ bmZ
doW B`moa|g \$ZS>oeZ bmZ
AmBS>r~rAmB \$moQ>ug arQ>ma B`moa|g n|eZ bmZ
AmBS>r~rAmB \$moQ>ug Q>_B`moaog Jm_rZ ~MV `moOZ
AmBS>r~rAmB \$moQ>ug hoW B`moa|g
hmnrQ>bmBOoeZ AS> gOuH$b bmZ
135N009V01
135N010V01
135L001V02
135L008V02
135N011V01
135N012V01
12
BpS>`m \$Q> bmB\$
BpS>`m \$Q> A`wZrQ> bmZ

BpS>`m \$Q> ES>wHo$eZ bmZ
BpS>`m \$Q> `yMa bmZ
BpS>`m \$Q> goqdJ bmZ
BpS>`m \$Q> Jwn Ho$S>rQ> bmB\$ bmZ
BpS>`m \$Q> Jwn Q>_ bmZ
143N001V01
143L002V01
143L003V01
143L004V01
143N005V01
143N006V01
13
AmBEZOr d`m bmB\$
AmBEZOr d`m `y ~oQ> Bàg bmZ

AmBEZOr \o$gr bmB\$
AmBEZOr \o$gr bmB\$ bg
AmBEZOr Bgr bmB\$
AmBEZOr `y JmoS>Z bmB\$
AmBEZOr `yMa na\o$Q>
AmBEZOr `y {H$òQ>tJ Q>ma
AmBEZOr \$sS>_ bmZ
114N040V01
114L041V01
114L042V01
114L043V01
114L044V01
114L045V01
114L047V01
114L046V01
203
dm{fH$ [anmoQ>
2009-10
Omar... gbH$ 4
AmBEZOr `y mB_ bmB\$
AmBEZOr A`yaS> {aQ>Zg
114L048V01
114N049V01
14
H$moQ>H$ _hom Amo_ bmB\$
H$moQ>H$ gJb BZdoQ>

H$moQ>H$ hoS>Q>m `yMa moQ>oQ> (gtJb bmB\$ bmZ)
H$moQ>H$ B-[aQ>ma_oQ> goda
H$moQ>H$ Q>_ bmZ
H$moQ>H$ B-BZdoQ> _mg_m
H$moQ>H$ hoS>Q>m A`ya doW (gtJb bmB\$ bmZ)
H$moQ>H$ JmaQ>rS> n|eZ `ybS> bmZ
H$moQ>H$ Q>_ Jwn bmZ
H$moQ>H$ gwna AS>dmZQ>oO
H$moQ>H$ bmJ bmB\$ go`wa bg
H$moQ>H$ goH$S> BqJ bmZ
H$moQ>H$ gJb BZdoQ>
H$moQ>H$ go\$ BZdoQ>_|Q> bmZ II
H$moQ>H$ bmQ>rZ_ BS>O
H$moQ>H$ bmJ bmB\$ doW bg
H$moQ>H$ hoS>Q>m A`wa doW (OmBQ> bmB\$ bmZ)
H$moQ>H$ \$s\$aS> Q>_ bmZ
AmgrS>|Q> S>oW ~oZr\$sQ> (amBS>a)
AmgrS>|Q> S>rg_o~a_oQ> ~oZr\$sQ> (amBS>a)
AmgrS>|Q>b S>oW S>rgo~rbrQ>r AS> S>rg_o~a_oQ> (amBS>a)
AmgrS>|Q>b S>rgo~rbrQ>r ~oZr\$sQ>> (amBS>a)
H$sQ>rH$b BbZog ~oZr\$sQ> (amBS>a)
`m_rbr ~oZr\$sQ> (amBS>a)
H$moQ>H$ Jwn Q>{_Zb BbZog (amBS>a)
H$moQ>H$ H$sQ>H$b BbZog bg (amBS>a)
H$moQ>H$ Jwn S>obr Q>mH$ ~oZr\$sQ> (amBS>a)
107L053V01
107L037V02
107L054V01
107N005V04
107L056V01
107L034V02
107L057V01
107N007V03
107L058V01
107L044V02
107L052V02
107L053V02
107L021V03
107L059V01
107L045V02
107L035V02
107N009V04
107C005V02
107C006V02
107C007V02
107C008V02
107C009V02
107C010V02
107B014V02
107B015V01
107B016V01
15
EbAmBgr
EbAmBgr gwnaAm`woeZ bmg

EbAmBgr OrdZ _Jb
EbAmBgr OrdZ {ZM`
EbAmBgr \$m\$sQ> bg
EbAmBgr _Zr bg-I
EbAmBgr _mH}$Q> bmg-I
EbAmBgr MmBS> \$mQ>uZ bg
EbAmBgr OrdZ gmWr bg
EbAmBgr doW bg
512L256V01
512N257V01
512N258V01
512L245V02
512L248V02
512L249V02
512L251V02
512L255V02
512L259V01
16
_g `y `mH$ bmB\$
_g `y `mH$ bmB\$ _mQ> Egog

_g `y `mH$ bmB\$ - bmB\$ bmBZ hoWr `m_rbr
_g _mQ> n|eZ bg
_g `y `mH$ bmB\$ go`ya {S>_g
_g `y `mH$ bmB\$ E_`ya _mOrH$ `ybS>a
_g `y `mH$ bmB\$ _mQ> Egog
_g `y `mH$ bmB\$ _mQ> BZdoQ> n|eZ gwna
_g `y `mH$ bmB\$ `y{ZQ> `ybS>a bg
_g `y `mH$ bmB\$ \$mQ>uZ `ybS>a
_g `y `mH$ bmB\$ grjm bg
104L051V01
104N052V01
104L053V01
104N054V01
104L055V01
104L051V02
104L056V01
104L057V01
104L058V01
104L059V01
204
dm{fH$ [anmoQ>
2009-10
Omar... gbH$ 4
17
_oQ> bmB\$ BpS>`m
_oQ> _mQ>uJoO moQ>oQ>a bg

_oQ> hoW Ho$a
_oQ> Jwn Q>_ bmB\$ bg
_oQ> _br BZH$_ bg
_oQ> JmoW bg
_oQ> Jwn {S>nmOrQ> AS>{_Zr>oeZ H$s_
_oQ> JmoW gwna
_oQ> bogr erS>
_oQ> gwajm bg
_oQ> doW bg
_oQ> Egr bg
_oQ> JmoS> bg
_oQ> n|eZ bmg
_oQ> \$mQy>Z
_oQ> _mQ> bmB\$
_oQ> _mOrH$ bg
117N047V01
117N048V01
117N049V01
117N050V01
117L051V01
117N052V01
117L053V01
117N054V01
117N055V01
117L056V01
117L057V01
117L058V01
117L059V01
117L060V01
117L061V01
117L062V01
18
[abm`g bmB\$
[abm`g OZ g_[a bmZ

[abm`g gwna JmoS>Z B`g ~ogrH$ bmZ
[abm`g Q>>oS>reZb gwna BZdoQ> Am`wa bmg
[abm`g Q>oS>reZb Jwn JmOw`rQ>r bmZ
[abm`g gwna JmoS>Z B`g Q>_ 10 bmZ
[abm`g gwna AmQ>mo_oQ>rH$ BZdoQ> Q>_ 10 bmZ
[abm`g gwna AmQ>mo_oQ>rH$ BZdoQ> ~ogrJ bmZ
[abm`g gwna _mH}$Q> arQ>Z ~ogrH$ bmZ
[abm`g gwna _mH}$Q> arQ>Z Q>_ 10 bmZ
[abm`g gwna JmoS>Z B`g bg ~ogrH$ bmZ
[abm`g gwna JmoS>Z B`g dm`y ~ogrH$ bmZ
[abm`g gwna JmoS>Z B`g Q>_ 10bmZ
[abm`g gwna JmoS>Z B`g dm`y Q>_ 10 bmZ
[abm`g gwna BZdoQ> A`ya ~oJrH$ bmZ
[abm`g gwna BZdoQ> A`ya ~ogrH$ bmZ
[abm`g gwna BZdoQ> A`ya Q>_ 10 bmZ
[abm`g B_mZ BZdoQ> ~ogrH$ bmZ
[abm`g B_mZ BZdoQ> Q>_ 10 bmZ
[abm`g r{_à bmB\$ ~ogrH$ bmZ
[abm`g r{_à bmBn Q>_ 10 bmZ
[abm`g Q>moQ>b BZdoQ> bmZ grarg II
Q>_ 10 bmZ - n|eZ
[abm`g Q>moQ>b BZdoQ> bmZ grarg I
`_ 10 bmZ - BZ`moa|g
[abm`g doW+hoW ~ogrH$ bmg
[abm`g doW+hoW Q>_ 10 bmZ
[abm`g go`ya MmbBS> 10 bmZ
[abm`g go`ya MmbBS> ~ogrH$ bmZ
[abm`g _Zr JmaQ>r Q>_ 10 bmZ
[abm`g _Zr JmaQ>r ~ogrH$ bmZ
[abm`g bmB\$ hEQ> EZE_dr JmaQ>r bmZ
[abm`g gwna JmoS>Z B`g
Q>_ 10 {gZrà grQ>rOoZ bmZ
121N044V01
121L045V01
121N046V01
121N047V01
121L048V01
121L049V01
121L050V01
121L051V01
121L052V01
121L053V01
121L054V01
121L055V01
121L056V01
121L057V01
121L058V01
121L059V01
121L060V01
121L061V01
121L062V01
121L063V01
205
121L064V01
121L065V01
121L066V01
121L067V01
121L068V01
121L069V01
121L070V01
121L071V01
121L072V01
121L073V01
dm{fH$ [anmoQ>
2009-10
Omar... gbH$ 4
19
ghmam BpS>`m bmB\$
20
Eg.~r.AmB bmB\$
21
lram_ bmB\$
[abm`g bmB\$ Q>oS>reZb BZdoQ> B`moa|g bmZ

[abm`g bmB\$ Q>oS>reZb JmoS>Z B`g bmZ
[abm`g `y {H$Q>rH$b H$S>reZ (25) am`rS>a)
[abm`g `y Q>_ bmB\$ drV AmgrS>|Q>
[abm`g `y _oOa gOuH$b ~oZr\$sQ> amBS>a
ghmam {deof
ghmam C_J
ghmam gM`-Ama
ghmam dm^r_mZ
ghmam g_W
ghmam AHy$a
ghmam gZ_Zd`
121N074V01
121N075V01
121C012V01
121C013V01
121C014V01
127L018V02
127N019V01
127L012V02
127L014V02
127L017V02
127L011V02
127L020V01
Eg.~r.AmB bmB\$ - g_nyU gwajm Jwn bmZ

Eg.~r.AmB bmB\$ - _hm AmZX
Eg.~r.AmB bmB\$ - ew^ {Zdoe
Eg.~r.AmB bmB\$ - dU JJm
Eg.~r.AmB bmB\$ - `y{ZQ> bg III
Eg.~r.AmB bmB\$ - g_mQ> `y{bn
Eg.~r.AmB bmB\$ - bmB\$bmJ n|e bg
Eg.~r.AmB bmB\$ - _hm AmZX II
Eg.~r.AmB bmB\$ - hmarOmZ III
Eg.~r.AmB bmB\$ - `y{ZQ> bg III n|eZ
Eg.~r.AmB bmB\$ - hmarOmZ III n|eZ
Eg.~r.AmB bmB\$ - `y{ZQ> bg II MmBS> bmZ
Eg.~r.AmB bmB\$ - `y{ZQ> bg BbmQ> II
Eg.~r.AmB bmB\$ - mn A`wa
Eg.~r.AmB bmB\$ - Jwn amBS>a - AgrS>|Q>b nma`r`b
na_Z|Q> S>rgo~rbrQ>r
Eg.~r.AmB bmB\$ Jwn amBS>a - AgrS>|Q> S>oW
Eg.~r.AmB bmB\$ Jwn amBS>a - AgrbraoQ>S> - gQ>|S>oS> BbZog
Eg.~r.AmB bmB\$ Jwn amBS>a - ArS>|Q>b Q>moQ>b na_|Q> S>rgo~rbrQ>r
Eg.~r.AmB bmB\$ Jwn amBS>a - A{S>Zb - EgQ>|S>S> {H$Q>rH$b BbZog
Eg.~r.AmB bmB\$ Jwn amBS>a - AgrbraoQ>S> - H$moa {H$Q>rH$b BbZog
Eg.~r.AmB bmB\$ Jwn amBS>a - AgrbraoQ>S> - H$moa {H$Q>rH$b BbZog
Eg.~r.AmB bmB\$ Jwn amBS>a - AgrS>|Q> AS> grH$Zog
Q>moQ>b na_oQ> S>rgo~rbrQ>r
Eg.~r.AmB bmB\$ \$s\$aS> Q>_ amBS>a
Eg.~r.AmB bmB\$ AgrS>oR> S>oW ~oZr\$sQ> amBS>a
Eg.~r.AmB bmB\$ AgrS>|Q> Q>moQ>b AS> na_|Q> {S>go~rbrQ>r
~oZr\$sQ> amBS>a
Eg.~r.AmB bmB\$ r{_` no d dodrà ~oZr\$sQ> amBS>a
Eg.~r.AmB bmB\$ H$sQ>rHo$a 13 amBS>a
Eg.~r.AmB bmB\$ AgrS>|Q>b S>oW ~oZr\$sQ> qbS> amBS>a
Eg.~r.AmB bmB\$ BZH$_ gQ>oZa amBS>a
111N040V02
111L054V01
111N055V01
111N006V02
111L056V01
111L053V02
111N057V01
111L058V01
111L059V01
111L060V01
111L061V01
111L062V01
111L063V01
111N064V01
lram_ `yMa doW

lram_ BZdoQ>_|Q> JmaQ>r bmZ
lram_ n|eZ bmZ
lram_ AH$e` {ZYr
lram_ lr {dH$me- II
128L020V01
128L021V01
128L022V01
128N023V01
128L024V01
206
111B006V01
111B007V01
111B008V01
111B009V01
111B010V01
111B011V01
111B012V01
111B013V01
111B014V01
111B015V01
111B016V01
111A017V01
111A018V01
111A019V01
111A020V01
dm{fH$ [anmoQ>
2009-10
Omar... gbH$ 4
lram_ lr bg (Egnr)- II
lram_ `yMa doW - II
lram_ lr bg- II
lram_ lr {deam_ - II
lram_ lr {dm bg - II
lram_ n|eZ bmZ- II
lram_ Jwn gwnaAZwòeZ H$s_
lram_ Jwn Jm`wQ>r erS>
lram_ {H$Q>rH$b BbZog amBS>a
128L025V01
128L026V01
128L027V01
128L028V01
128L029V01
128L030V01
128L031V01
128L032V01
128A008V01
22
Q>ma `y{Z`Z XmBMr bmB\$
Eg`yS>r bmB\$ Jwn godJg qbS> BZ`moa|g bmZ

Eg`yS>r bmB\$ `ya Q>_ Aemoa|g bmZ
Eg`yS>r bmB\$ r{_à moQ>oeZ bmZ
Eg`yS>r bmB\$ Jwn JmSw>`yQ>r H$s_
Eg`yS>r bmB\$ Ama E_ Eb A`wQ>r bmZ
Eg`yS>r bmB\$ BZQ>Q> BZS>mo_|Q> bmZ
Eg`yS>r bmB\$ Jwn brd EZH$me_|Q> H$s_
Eg`yS>r bmB\$ `y YZ gwajm bmZ
Eg`yS>r bmB\$ `y YZ gwajm r{_`_ bmZ
Eg`yS>r bmB\$ `y ^mV Vmam (qbS> MmBS> bmZ)
Eg`yS>r bmB\$ `y Ywd Vmam bmZ
Eg`yS>r bmB\$ Jwn gwnaA`wòeZ H$s_
Eg`yS>r bmB\$ H$s{Q>H$b BbZog ~oZr\$sQ> amBS>a
142N011V01
142N012V01
142N013V01
142N014V01
142N015V01
142N016V01
142N017V01
142L018V01
142L019V01
142L020V01
142L021V01
142N022V01
142C004V01
23
Q>mQ>m EAmBOr bmB\$
Q>mQ>m EAmBOr bmB\$ OrdZ b`m

Q>mQ>m EAmBOr bmB\$ BZdoQ> A`wa gnmr
Q>mQ>m EAmBOr BZdoQ> A`wa gwna Q>ma
Q>mQ>m EAmBOr BZdoQ> A`wa AmQ>r_m bg
Q>mQ>m EAmBOr bmB\$ BZdoQ> A`wa dU OrdZ bg
Q>mQ>m EAmBOr bmB\$ OrdZ b` bg
Q>mQ>m EAmBOr bmB\$ BZdoQ> A`wa \o$gr bg
Q>mQ>m EAmBOr bmB\$ BZdoQ> A`wa BZQ>m +
Q>mQ>m EAmBOr bmB\$ BZdoQ> A`wa `yMa bg
Q>mQ>m EAmBOr bmB\$ BZdQ> A`wa Anog bg
Q>mQ>m EAmBOr bmB\$ Anog n|eZ 15
Q>mQ>m EAmBOr bmB\$ Anog n|eZ
Q>mQ>m EAmBOr bmB\$ BZdoQ> A`wa +
Q>mQ>m EAmBOr bmB\$ BZdoQ> bg AS>dmZQ>oO
Q>mQ>m EAmBOr bmB\$ BZdoQ> A`wa hoW bg
Q>mQ>m EAmBOr bmB\$ BZdoQ> A`wa JmoS> bg
Q>mQ>m EAmBOr bmB\$ `wZmBQ>oS> Cmdb ^dp`m bmg
110L069V01
110L070V01
110L071V01
110L072V01
110L073V01
110L074V01
110L075V01
110L076V01
110L077V01
110L078V01
110L079V01
110L080V01
110L081V01
110L082V01
110L083V01
110L084V01
110L085V01
110L086V01
110L087V01
207
dm{fH$ [anmoQ>
2009-10
gbH$ 5
{dm df 2009-10 Ho$ XmamZ nm[aV {H$ò Jò Ja OrdZ ~r_m CnmX
H$.g
Ja OrdZ ~r_mH$Vm
CnmX
1.
DeHeesuees cegefveKe pevejue
Dee@eqHcee kewMe
ceweqkepecee FbMetjWme
Dee@eqHcee Hueme
2.
yepeepe Deueeebpe pevejue
uee@eme& eesHesMeveue Fb[seqcveer Hee@efuemeer

Skemê kesej
SmeDeeF&yeer Deefmem
3.
Yeejleer Skemee pevejue
^s[ esef[ FbMetjWme Hee@efuemeer

mcee& pevelee Heme&veue Seqkeme[W FbMetjWme Hee@efuemeer
mcee& nsuLe neF& ef[[eqkeyeue FbMetjWme Hee@efuemeer
mcee& nsuLe SmeWefMeeue
keceefMe&eue pevejue ueeeefyeefueer
me@ke Heg FbMetjWme
er ee@He FbMetjWme
F& SC[ Dees FvMetjWme Hee@efuemeer
ee@[ke ueeeefyeefueer FbMetjWme Hee@efuemeer
Heeqyueke ueeeefyeefueer (vee@ve-Fb[mêreue)
eesHesMeveue Fb[seqcveer
mcee& Hueeve neGmenesu[me& Hewkespe Hee@efuemeer
mcee& Hueeve Mee@He Hewkespe Hee@efuemeer
mcee& [eejskeme& Sb[ Dee@efHememe& ueeeefyeefueer FbMetjWme mt[W Heme&veue Seqkeme[W Hee@efuemeer
ceeFees mcee& nsuLe FbMetjWme Hee@efuemeer
mcee& keeieex ee@peske keeeqvmekeJeWue uee@me FbMetjWme Hee@efuemeer
4.
eesueceeb[uece pevejue
eesuee Fvmev nesce

eesuee eesske 360
5.
Heetej pevejueer pevejue
Heece&me& Hewkespe FbMetjWme

kewcesue FbMetjWme
ne@me& FbMetjWme
[e@ie FbMetjWme
pJewueme& yuee@ke FbMetjWme
yeie&uejer (neGme yesefkebie) FbMetjWme
efyepevesme megj#ee
efeer kesej Hee@efuemeer
F& SC[ Dees FbMetjWme Hee@efuemeer
keceefMe&eue pevejue ueeeefyeefueer
Heesuêr FbMetjWme
6.
Se[erSHemeer Sieex pevejue
nsuLe megj#ee
efeefkeue Fuevesme
ne@efmHeue kewMe FbMetjWme
meJe& megj#ee
pevelee Heme&veue Seqkeme[W (pesHeerS)
eeFce FbMetjWme Hee@efuemeer
FcHueeeceW eweqkemesme ueeeefyeefueer FbMetjWme Hee@efuemeer
Se[erSHemeer Sieex keueeefmeke- [er SC[ Dees FbMetjWme Hee@efuemeer
DeuHee FbMetjWme Hee@efuemeer
SmeF&Deej eqkeueefvekeue êeume ueeeefyeefueer FbMetjWme
208
dm{fH$ [anmoQ>
2009-10
Omar.... gbH$ 5
H$.g
Ja OrdZ ~r_mH$Vm
CnmX
7.
DeeF&meerDeeF&meerDeeF& uecyeeF& pevejue
keceefMe&eue Jesefnkeue SkemeW[s[ Jeejber FbMetjWme

esefcemesme HeesuegMeve ueeeefyeefueer FbMetjWme
mesefjkeuej FbMetjWme
8.
FHekees esefkeees pevejue
mJeemLe keJee (Hewefceueer nsuLe)

Fbef[efJepegDeue ces[er Meeru[
pesHeerS - uee@vie ce&
9.
cewkeme yegHee
ne& yeer
ne& yeer - S[ Dee@ve
10.
jnspee keetyeerF& pevejue
kee@eqvmekeJeWue uee@me (Heeej Hee@efuemeer)

Hues iueeme SC[ efveDeesve meeFvme/iuees meeFvme FbMetjWme
Fb[eqmêue Dee@ue efjmke Hee@efuemeer
Jee@euej SC[ esmej Hueev FbMetjWme
SjskeMeve Dee@ue efjmkeme FbMetjWme
kee@v^wkeme& Hueev SC[ ceMeervejer
ueeeefyeefueer FbMetjWme Hee@efuemeer (HeerSueDeeF& Ske)
mQ[[& Heeej SC[ mHesefMeeue Hesefjume Hee@efuemeer
Jeke&cesvme kecHesvemesMeve
iet[dme kewefjbie Jesefnkeue Hewkespe Hee@efuemeer
efcemeuesefveeme Jesefnkeue Hewkespe Hee@efuemeer
HewmeWpej kewefjbie Jesefnkeue Hewkespe Hee@efuemeer
Fueskeê@efveke FeqkeJeHeceW FbMetjWme
ceMeervejer yeske[eTve
kecyeeFb[ pevejue ueeeefyeefueer
[er SC[ Dees ScepeerSceer ueeeefyeefueer
kee@v^skeme& Dee@ue efjmke FbMetjWme
DeeF& SC[ meerer ueeeefyeefueer
cejeFve keeieex FbMetjWme-DeesHesve Hee@efuemeer
cejeFve keeieex FbMetjWme - mHesefMeeue êbefme
cejeFve keeieex - mesume ve&DeesJej Hee@efuemeer
eesHesMeveue FC[seqcveer
Heeqyueke ueeeefyeefueer FbMetjWme Hee@efuemeer
ees[ke ueeeefyeefueer FbMetjWme Hee@efuemeer
efHe[sefueer ieejber FbMetjWme
Dee@ue efjmkeme FbMetjWme
kewue SC[ ueeFJeme@ke
ceveer FbMetjWme
Dee@efHeme Hewkespe
11.
efjueeebme pevejue
[er SC[ Dees ueeeefyeefueer Hee@efuemeer

efjueeebme efHeuce eesske
efjueeebme nsuLeJeeFme Hee@efuemeer
209
dm{fH$ [anmoQ>
2009-10
Omar.... gbH$ 5
H$.g
Ja OrdZ ~r_mH$Vm
CnmX
12.
je@eue megvojce pevejue
13.
SmeyeerDeeF& pevejue
14.
eerjece pevejue
15.
mej nsuLe
16.
ee SDeeF&peer pevejue
17.
etefveJeme&ue meeschees pevejue
cesef[ mesHe
nsuLe Meeru[ - ieesu[
nsuLe Meeru[ - vee@ce&ue
nsuLe Meeru[ - eerefceej
Hewefceueer nsuLe eesskej
nsuLe Meeru[ eerefceece
ceesj Ske Deesveueer FbMetjWme
ceesj kecee|Meeue Jesefnkeue hee@efuemeer
ceesj eeFJes keej FbMetjWme
ceesj t Jneruej FbMetjWme
kee@efvmekeJeWMeveue uee@me (Heeej hee@efuemeer)
mwC[[& Heeej SC[ mhesefMeeue hesefjume
kee@v^wkeme& Dee@ue efjmke FbMetjWme
Fueskeê@efveke FefkeJeheceW FbMetjWme hee@efuemeer
ceveer FbMetjWme
yeie&uejer FbMetjWme
heefyueke ueeeefyeefueer (heerSueDeeF& DeefOeefveece kes Devleie&le) FbMetjWme
heefyueke ueeeefyeefueer (SveDeeF&) FbMetjWme hee@efuemeer
efHe[sefueer ieejber FbMetjWme
cejeFve keeieex
ceveer FbMetjWme
mej eer Fbef[efJepetDeue kesej FbMetjWme hee@efuemeer
mej eer Hewefceueer kesej FbMetjWme hee@efuemeer
mee|Jeme kee@v^wke ueeeefyeefueer FbMetjWme hee@efuemeer
eeFJes keueeFb ethe nesce meskeetj hee@efuemeer
es Hee@jJe[&me& ueeeefyeefueer
Fb[e@me&ceW Hee@j sjefjpce keJej
jeêre mJeemLe yeercee eespevee FbMetjWme hee@efuemeer
JesueMetjWme SefkepekeetefJe
JesueMetjWme Jegceve
JesueMetjWme Hewefceueer
JesueMetjWme meerefveej
esef[ FbMetjWme hee@efuemeer
efyepevesme Meeru[ hee@efuemeer
[er SC[ Dees ueeeefyeefueer FbMetjWme
F& SC[ Dees ueeeefyeefueer hee@efuemeer
ueeBie ce& pesheerS
mechetCe& mJeemLe keJee
210
15-30
H$amoS> nrE_Eb {V Omo{I_

H$amoS> nrE_Eb {V Omo{I_
{V dogb
{V dogb
{V dogb
` 500
` 500
` 25 H$amoS>
` 40 H$amoS>
` 40 H$amoS>
H$moB gr_m Zht

H$moB gr_m Zht
A{, AmB}EAma, EEb
~S>o Omo{I_
_[aZ H$mJm}
_[ab hb
`w ES> EgAmagrgr
_moQ>a H$_Mm[a`mo H$m _wAmdOm
OZab {d_mZZ hb
15-30
15
15-20
10
211
15
5
20
10
15-20
15-27
15-27
H$amoS> ~r_mH$V {V Omo{I_
` 37.50
A_o[aH$m H$mo {_bmH$a {V nm{bgr Ho$ {bò ` 12.5

H$amoS>/A_o[aH$m H$mo {ZH$mbH$a ` 25 H$amoS>
` 25 H$amoS>
H$moB gr_m Zht

` 100 H$amoS>
` 300 H$amoS> (MD+LOP)
Vob Ed COm
gmao Xm{`d g~Yr CnmX

{dm Xm{`d Ho$ Abmdm
H${f/_mg_ ~r_m
A` {d{dY
_erZ H$m Iam~ hmoZm, ~mbg

Y_H$m VWm g~{YV bm^m| H$m
R>oHo$Xma Ho$ g^r IVao, IS>m H$aZo Ho$

g^r IVao, bm^m| H$m A{J_
ZwH$gmZ, S>rEg`y ~r_m
MD: Material Damage; LOP: Loss of profit
15
AmgV Q>_
hb Ho$ {bò ` 300 H$amoS> na {V IVao Ho$ {bò
hdmB (EàbmBg)
25-30
25-30
15
20
Nil
10
H$moB gr_m Zht
gm_m` {d_mZZ Xm{`d
15
Nil
15
10
20
25-30
bm^
H$_reZ
10
15-17.5
15-20
10
nwZ~r_m
H$_reZ
aH$_ _| goeZ H$s gr_m ~r_mH$V

`m nrE_Eb
loUr
OrAmBgr H$mo m {O_oXma goeZ
gbH$ 6
dm{fH$ [anmoQ>
2009-10
dm{fH$ [anmoQ>
2009-10
gbH$ 7
nOrH$V Xbmbm| H$s g`m (am`mZwgma)

nOrH$V Xbmbm| H$s g`m*
H$.g.
am`
AmY Xoe
MS>rJT>
{Xr
59
JwOamV
12
h[a`mUm
H$ZmQ>H$
12
Ho$ab
_` Xoe
_hmam>
98
10
nOm~
12
11
amOWmZ
12
V{_bZmSw>
27
13
Cma Xoe
16
14
n{_r ~Jmb
27
19
5
303
Hw$b
* 18
AJV 2010 na
212
peejer... mebueiveke 8
Deewue 2009* mes eeefOekeej eje peejer HeefjHe$e / DeeosMe / DeefOemeteveeSB

e.meb. meboYe& mebKee
1.
DeeF&Deej[erS/SHeSC[DeeF&/meerDeeF&Deej/
SHeSC[S/025/04/2009
DeeF&Deej[erS/SpeererSme/DeesDeej[er/DeesDeej[er/
2.
030/05/2009/
3 . DeeF& D eej[er S /Speer er S me/SceDeeF& S memeer /
Dees D eej[er / 037/05/2009
4 . DeeF& D eej[er S /SHe SC[ DeeF& / meer D eeF& D eej/
meer D eeF& D eej/028/05/2009
5 . DeeF& D eej[er S /SHe SC[ DeeF& / meer D eeF& D eej& /
6 . DeeF& D eej[er S /SHe SC[ DeeF& / meer D eeF& D eej/
7 . DeeF& D eej[er S /SveSue/meer D eeF& D eej/SceHeer S ue/
029/05/2009
8. DeeF&Deej[erS/SveSue/SceDeeF&Smemeer/
DeejDeeF& S ve/036/05/2009
9 . DeeF&Deej[erS/SHe SC[ DeeF&/DeesDeej[er/SHe SC[
S/035/05/2009
10. DeeF& D eej[er S /SveSue/peer [ er S ue/SHe SC[ et /
034/05/2009
11. DeeF&Deej[erS/SeSueer/SceDeeF&Smemeer/
1 2 . DeeF& D eej[er S /SHe SC[ DeeF& / meer D eeF& D eej/
SHeSC[S/031/05/2009
13. DeeF&Deej[erS/ueeFHe/meerDeeF&Deej/meerDeeF&Deej/
13/05/2009
1 4 . DeeF& D eej[er S /SHeSC[DeeF& / meer D eeF& D eej/
15. DeeF& D eej[er S /SHeSC[DeeF& / meer D eeF& D eej/
16. D e e F & D e e j [ e r S / S H e S C [ D e e F & / D e e s D e e j [ e r /
SHeSC[S/040/06/2009
17. DeeF&Deej[erS/SpeererSme/peer[erSue/DeesDeej[er/
041/07/2009
18. DeeF& D eej[er S /SHe SC[ DeeF& / meer D eeF& D eej/
19. D e e F & D e e j [ e r S / S [ e r S c e S v e / m e e r D e e F & D e e j /
2 0 . DeeF& D eej[er S /Smeer er / meer D eeF& D eej/Heer D eej[er /
045/07/2009
2 1 . DeeF& D eej[er S /ueeFHe/meer D eeF& D eej/Hew v e/21/07/
2009
2 2 . DeeF& D eej[er S /SHe SC[ DeeF& / peer [ er S ue/
DeeF& S veyeer / 042/07/2009
2 3 . DeeF& D eej[er S /SHeSC[DeeF& / meer D eeF& D eej/
DeeF& S veJeer / 047/07/2009
2 4 . DeeF&Deej[erS/SHe SC[ DeeF&/meerDeeF&Deej/SHe SC[
S/050/08/2009
2 5 . DeeF&Deej[erS/Smeerer/meerDeeF&Deej/peeretSue/051/
08/2009
2 6 . DeeF& D eej[er S /Speer er S me/Dees D eej[er / peer et S ue/
051/08/2009
27. DeeF& D eej[er S /Smeer er / peer [ er S ue/peer F & S ve/048/
08/2009
28. DeeF&Deej[erS/SueDeeF&SHeF&/meerDeeF&Deej/HeerSSve/
028/08/2009
peejer kejves keer efleefLe
efJe<ee
22-04-2009
meebefJeefOeke uesKee Hejer#ekeeW keer efveegeqkele
04-05-2009
efJelejCe e=bKeuee
04-05-2009
FbMetjWme kebHeefveeeW Deewj meefceefle ceW veeceebefkele meomeeW mes

mecyebefOele ceeceues
yeercee DeefOeefveece, 1938 kes Devegso 34S kes Debleie&le eyebOe
efveosMeke keer efveegeqkele Deewj Jesleve kee Devegceesove
efJeeere efJeJejCeeW kes Kegueemes Jeeues efnmmes
06-05-2009
07-05-2009
11-05-2009
15-05-2009
HeWMeve HeC[ cewvespeme& (HeerSHeSce)/HeeFbdme Dee@He espeWme

(HeerDeesHeer)
Yeejleere ceesj le=leere He#e yeercee Meguke - eMeemeve Meguke
15-05-2009
JewkeefuHeke efveegeqkeleeeW kes efueS mJeerke=efle efjHees& emlegle kejvee
18-05-2009
eyebOeve kes Kee& efveOee&jCe meercee mes t
20-05-2009
meeceeve yeercee GlHeeoeW kes efueS HeeFue SC[ etpe efjkeJeeejceWdme

Hej ceeie&oMe&ve
Jeefj veeieefjkeeW kes efueS mJeemLe yeercee
25-05-2009
26-05-2009
yeeer ngF& jeefMe kes efueS mecePeewlee/yeercee JeeHeej kej jner

FkeeFeeW mes ueer ieF& jeefMe
Hee@efuemeer OeejkeeW kes efnleeW keer j#ee
27-05-2009
29-05-2009
yeercee DeefOeefveece, 1938 kes Devegso 49 kes Debleie&le yeesveme

keer Iees<eCee
FefC[eve ef[Hee@efpejer efjefmeHdme
04-06-2009
24-06-2009
09-07-2009
yeercee DeefOeefveece, 1938 kes Devegso 105 yeer kes Debleie&le

uesJeer Dee@He Hesveeuer
efveieefcele yeercee DeefYekelee& SJeb DeefYekelee& eefMe#eCe mebmLeeDeeW
kes Hewkeuer keer eesielee Hej ceeie&oMe&ve
SSceSue ceeie&oMe&ve
13-07-2009
DeeF&Deej[erS [ee meWj ceW FbMetjWme [ee emlegle kejvee
22-07-2009
etefve efuebke[ GlHeeo - cetueeW ceW efveeb$eCe
23-07-2009
yeercee GlHeeo kes efueS Hewve keer DeeJeMekelee
27-07-2009
kesvere mejkeej keer eefleYetefleeeW ceW efveJesMe Hej mHeerkejCe
04-08-2009
efveJesMe peesefKece eyebOeve JeJemLee kee ueskee SJeb eCeeueer,

Deebleefjke/meceJeleea kee uesKee
yeercee #es$e kes efueS keeHeexjs ieJeve&vme Hej ieeF[ueeFvme
03-07-2009
05-08-2009
06-08-2009
06-08-2009
efJeefveeesie/mJeeefcelJenjCe FkeeF& cetueebkeve Deewj megj#eCe mebyebOeer

JeeHeej mHeerkejCe
efveieefcele DeefYekelee& keer yeercee eesielee
13-08-2009
efveegkele efkees iees yeerceebkekeeW keer Yetefcekee
18-08-2009
yeercee GlHeeoeW kes efueS Hewve keer DeeJeMekelee
213

29.
30.
31.
32.
33.
34.
35.
36.
37.
38.
39.
40.
41.
42.
43.
44.
45.
46.
47.
48.
49.
50.
51.
52.
53.
54.
55.
56.
57.
58.
59.
60.
61.
62.
63.
64.
65.
66.
DeeF& D eej[er S /Smeer er / meer D eeF& D eej/Heer D eej[er /

053/08/2009
DeeF& D eej[er S /SHe SC[ DeeF& / meer D eeF& D eej/
SSceSue/054/08/2009
DeeF&Deej[erS/meerSeSce/peer[erSue/meerDeeF&Deej/
057/09/2009
DeeF&Deej[erS/SeSueer/SceDeeF&Smemeer/
SSceSue/062/09/2009
DeeF& D eej[er S /Smeet D eej/peer [ er S ue/Dees D eej[er /
063/09/2009
DeeF&Deej[erS/ueeFHe/SceDeeF&Smemeer/meerDeeF&Deej/
037/09/2009
DeeF& D eej[er S /Smeet D eej/peer [ er S ue/Dees D eej[er /
064/09/2009
DeeF& S veJeer / 036/09/2009
DeeF&Deej[erS/SpeererSme/SceDeeF&Smemeer/
SveDees er / 059/09/2009
DeeF& D eej[er S /meer S eSce/meer D eeF& D eej/SveDees er /
065/10/2009
DeeF& S veJeer / 040/10/2009
DeeF&Deej[erS/meerSeSce/meerDeeF&Deej/DeeF&HeerDees/
066/10/2009
DeeF&Deej[erS/SmeetDeej/meerDeeF&Deej/DeesDeej[er/
067/10/2009
DeeF& D eej[er S /er S meer / Dees D eej[er / S[er S ceSve/
068/10/2009
DeeF& S veJeer / 036S/09/2009
DeeF&Deej[erS/SHe SC[ DeeF&/DeesDeej[er/SSceSue/
070/10/2009
DeeF& D eej[er S /Seer S ue/peer [ er S ue/meer D eeF& D eej/
072/11/2009
DeeF&Deej[erS/SveSue/meerDeeF&Deej/SHe SC[ et/
073/11/2009
DeeF&Deej[erS/SmeetDeej/SceDeeF&Smemeer/
DeeF& S veJeer / 077/11/2009
DeeF& D eej[er S /SveSue/meer D eeF& D eej/SHeSC[et /
078/12/2009
DeeF&Deej[erS/SuepeerSue/SceDeeF&Smemeer/
SHeSC[S/081/12/2009
DeeF& D eej[er S /yeer D eejSme/Dees D eej[er / Suemeer /
084/12/2009
SSceSue/085/12/2009
DeeF&Deej[erS/S[erSceSve/meerDeeF&Deej/SerDeeF&/
086/12/2009
DeeF& D eej[er S /ueeFHe/peer [ er S ue/SceDeeF& S memeer /
087/12/2009
DeeF& D eej[er S /Smeer er / Heer D eej/Heer D eej[er / 088/
12/2009
DeeF& D eej[er S /yeer D eejSme/Dees D eej[er / meer S ue/
001/01/2010
DeeF& D eej[er S /SHe SC[ DeeF& / Dees D eej[er /
DeejSmeSme/003/01/2010
DeeF&Deej[erS/SuepeerSue/DeesDeej[er/[erSce/007/
01/2010
SHeSC[S/008/01/2010
20-08-2009
etefve efuebke[ GlHeeo - cetueeW ceW efveeb$eCe
24-08-2009
Sver ceveer uee@C[efjbie ceeie&oMe&ve
02-09-2009
09-09-2009
kee@Heexjs SpeWmeer kejejkee Ske yeercee eoelee mes otmejs kees

nmleeblejCe
meeceeve yeercee kebHeefveeeW keer mJeemLe yeercee Hee@efueefmeeeW ceW
cegkele DeJeueeskeve DeJeefOe
ceveer uee@C[efjbie (mebMeesOeve) DeefOeefveece, 2009 keer jeskeLeece
15-09-2009
efovesMeevo pewve kes efJe DeeosMe
15-09-2009
eerefceece eefleef#ele Hee@efueefmeeeB
15-09-2009
keueeCe emeeo mesve kes efJe DeeosMe
17-09-2009
DeeF& D eeF& S Hemeer S ue kej ueieves ees i e yeeb [ d m e

eefleYetefleeeB
yeercee DeefOeefveece, 1938 kes Devegso 110 meer
veesefme
yeercee DeefOeefveece, 1938 kes Devegso 110 meer
veesefme
ScemeerSkeme me@ke SkemeeWpe efueefces[ - ceevelee
SkemeeWpe
02-09-2009
18-09-2009
01-10-2009
05-10-2009
08-10-2009
- mJeer k e= le
kes Debleie&le
kes Debleie&le
eeHle me@ke
yeercee eoeleeDeeW eje meeJe&peefveke Kegueemes Hej DeveeJejCe

cemeew o e
yeercee DeefOeefveece, 1938 kes Devegso 64 etSce (2) kes
Debleie&le yeercee eoeleeDeeW kees efJeMes<e JeJemLee
FbMetjsvme FvHeecexMeve yetjes (DeeF&DeeF&yeer)
08-10-2009
15-10-2009
23-10-2009
16-11-2009
DeeF& D eeF& S Hemeer S ue kej os v es ees i e yeeb [ d m e - mJeer k e= le

eefleYetefleeeB
efveece efJe ieefleefJeefOeeeW (jeskeLeece) mebMeesOeve DeefOeefveece,
(etSHeerS), 2008 kes Devegso 51S kees Deceue ceW ueeves
ceeie&oMe&ve
mJeemLe yeer c ee Hee@ e f u eef m eeeW kes meb o Ye& ceW DeOe& J eeef < e& k e
Fueskeê@efvekeme efjvme& pecee kejvee
erHeer oselee - Jeenve Hej Heers yewves Jeeuee Deewj Deve
17-11-2009
Fve-neGme meJexeme& kee GHeeesie
27-11-2009
Deesermeer JeJemeee
03-12-2009
Jeenve Hej eeef$eeeW kes meboYe& ceW yeercee kebHeefveeeW kee oeefelJe
15-12-2009
17-12-2009
Hee@efuemeer OeejkeeW kes efnleeW keer j#ee kes efueS ceeceueeW kee [eeyesme
pecee kejves mebyebOeer efJe<ee
DemeceeHle peesefKece kes efueS kees<e (efjpeJe&)
22-12-2009
yeeskej ueeFmeWme veb. 319 kees j kejvee
13-12-2009
etSHeerS vees[ue DeefOekeejer
23-12-2009
vet SpeWmeer ueeFmeWefmebie Hees&ue keer uee@efebie
23-12-2009
nsuLe Hueme ueeFHe keescyeer GlHeeoeW Hej ceeie&oMe&ve
24-12-2009
`cetue ceW efveeb$eCe' peerJeve yeerceeeoelee
05-01-2010
yeeskej ueeFmeWme kee meceHe&Ce Deewj jkejCe Deewj j kejvee
07-01-2010
11-01-2010
eeceerCe Deewj meeceeefpeke #es$e kees

kee iewj-DevegHeeueve
kee DevegHeeueve ve kejvee
kee DevegHeeueve ve kejvee
yeercee DeefOeefveece 1938 kes meskeMeve
Dee@He Hesveeuer
Dee@He Hesveeuer
Dee@He Hesveeuer
oeJee eeefekee kee efveyeeje
21-01-2010
yeQke kes Deeeemeve mes Meg efkeee ieee JeeHeej
28-10-2009
12-11-2009
07-01-2010
07-01-2010
07-01-2010
07-01-2010
07-01-2010
214
yeercee eoelee kes oeefelJe

105yeer kes Debleie&le uesJeer
105 yeer kes Debleie&le uesJeer
105yeer kes Debleie&le uesJeer

67.
68.
69.
70.
71.
72.
73.
74.
75.
76.
77.
78.
79.
80.
81.
82.
83.
84.
85.
86.
87.
88.
89.
90.
91.
92.
93.
94.
95.
96.
97.
98.
99.
100.
101.
102.
103.
104.
DeeF&Deej[erS/SHe SC[ DeeF&/meerDeeF&Deej/SHe SC[

S/012/01/2010
S/014/01/2010
DeeF&Deej[erS/SHe SC[ DeeF&/DeesDeej[er/DeeF&Sve/
015/02/2010
SSceSue/016/02/2010
SSceSue/016/02/2010
DeeF&Deej[erS/SuepeerSue/SceDeeF&Smemeer/
Dees D eej[er / 017/02/2010
DeeF&Deej[erS/meerDeeF&Deej/DeejDeeF&Sve/018/02/
2010
DeeF&Deej[erS/Smeerer/meerDeeF&Deej/peerF&Sve/021/
02/2010
DeeF&Deej[erS/meerSpeererSme/meerDeeF&Deej/SHe SC[
S/045/03/2010
DeeF&Deej[erS/SHe SC[ DeejF&/meerDeeF&Deej/SHe
SC[ S/045/03/2010
DeeF&Deej[erS/peererSme/DeesDeej[er/erDeejSvepeer/
046/03/2010
DeeF& D eej[er S /Smeer er / meer D eeF& D eej/SueDeeF& S He/
049/03/2010
DeeF&Deej[erS/meerSpeererSme/meerDeeF&Deej/SuemeerF&/
048/03/2010
DeeF& D eej[er S /Smeer er / meer D eeF& D eej/peer F & S ve/50/
050/03/2010
DeeF&Deej[erS/SveSue/HeerSveermeer/SeSueerSe/
051/03/2010
DeeF&Deej[erS/SveSue/Sveermeer/SHe SC[ et/052/
03/2010
DeeF&Deej[erS/ueeFHe/HeerSveermeer/SceDeeF&Smemeer/
054/03/2010
DeeF& D eej[er S /SveSue/meer D eeF& D eej/SceHeer S ue/
059/03/2010
DeeF&Deej[erS/SHe SC[ DeeF&/DeesDeej[er/SHe SC[
S/061/04/2010
DeeF&Deej[erS/meerSeSce/meerDeeF&Deej/
DeeF& D eej[er S /er H eer S /Dees D eej[er / meer S Sve/065/
04/2010
DeeF&Deej[erS/Smeerer/meerDeeF&Deej/etSueDeeF&Heer/
066/04/2010
DeeF&Deej[erS/SveSue/DeesDeej[er/SceDeeF&Smemeer/
069/04/2010
DeeF&Deej[erS/Smeerer/meerDeeF&Deej/etSueDeeF&Heer/
071/05/2010
S/075/05/2010
DeeF&Deej[erS/SveSue/meerDeeF&Deej/SeSueerSe/
077/05/2010
DeeF&Deej[erS/SHe SC[ DeeF&/meerDeeF&Deej/SHeS/
076/05/2010
SSceSue/080/05/2010
DeeF&Deej[erS/Smeerer/meerDeeF&Deej/SceDeeF&Smemeer/
081/05/2010
082/05/2010
DeeF& D eej[er S /meer S Sme/meer D eeF& D eej/F& S ke m e[er /
083/05/2010
DeeF& D eej[er S /S[er S ceSve/meer D eeF& D eej/peer F & S ve/
084/05/2010
085/05/2010
DeeF&Deej[erS/SHe SC[ DeeF&/meerDeeF&Deej/[ee/
091/06/2010
092/06/2010
093/06/2010
SSceSue/099/06/2010
DeeF&Deej[erS/SHeSC[DeeF&/meerDeeF&Deej/F&SeHeer/
100/06/2010
28-01-2010
yeercee eoeleeDeeW eje meeJe&peefveke Kegueemee
29-01-2010
kee@Heexjs ieJeve&vme ceeie&oMe&ve
01-02-2010
03-02-2010
yeercee DeefOeefveece 1938 kes Devegso 104 kes Debleie&le uesJeer

keer Hesveeuer
ceveer uee@C[efjbie (mebMeesOeve) DeefOeefveece, 2009 keer jeskeLeece
04-02-2010
ceveer uee@C[efjbie keer jeskeLeece
08-02-2010
11-02-2010
yeercee DeefOeefveece 1938 ceW mebMeesOeve kes GsMe mes meefceefle kee
ieve
FefC[eve jerFveMetjj 2010-11 Dee@eqyueiesjer mesMevme kes meeLe
Hegveyeeacee
efveegkele yeerceebkekeeW keer Jeeef<e&ke efjHees&
02-03-2010
efveieefcele DeefYekelee&DeeW keer ueeFmeWefmebie Hej ceeie&oMe&ve
10-03-2010
efveebef$ele kees<e
10-03-2010
SerDeeF& mes mebyebefOele efJe<ee ceW mecetn kee ieve
11-03-2010
DeeefLe&ke HetBpeer
15-03-2010
efveieefcele DeefYekelee&DeeW keer ueeFmeWefmebie Hej ceeie&oMe&ve
15-03-2010
yeerceebkeke efjHees& Deewj meej
17-03-2010
08-02-2010
22-03-2010
Deveeef O eke= le yeer c ee JeJemeee - ces m eme& Svee ns u Le kes ej

vesJekeme& (Fbef[ee)
vesMeveue FbMetjWme kebHeveer kees veesefme
23-03-2010
efyevee ueeFmeWme Yeejle ceW yeercee JeeHeej kej jner FkeeF&
31-03-2010
08-04-2010
1/4/2010 mes JeeefCeeqpeke JeenveeW kes efueS ceesj Le[& Heeea

Hetue kee eceeCeerkejCe
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13-04-2010
etefueHe Hej HeefjHe$e
23-04-2010
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27-04-2010
ueeYe efveoMe&ve - efJelejCe e=bKeuee kees Yegieleeve
30-04-2010
03-05-2010
DeveeefOeke=le FkeeF& cesmeme& jsef[Sv DeesJejmeerpe (ee) efue.

eje efkeee pee jne yeercee JeJemeee
etefve efuebke[ GlHeeoeW Hej ceeie&oMe&ve
10-05-2010
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10-05-2010
DeeF&Deej[erS DeefOeefveece 1999 kes Devegso 14 (2) Se

kes Debleie&le peevekejer
meeuJeWmeer ceeefpe&ve DevegHeele jKejKeeJe keer efjHeesefie
10-05-2010
13-05-2010
13-05-2010
jskee[&dme Deewj JeeHeej cetueeW keer osKeYeeue Deewj peevekeejer

emlegle kejves keer eefeee Deewj lejerkee Deewj eenkeeW kes Heneeve
kes jskee[&dme keer peeBe
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17-05-2010
mHeerkejCe-SpeWmeer Hees&ue
18-05-2010
et e f v e ef u eb k e [ yeer c ee GlHeeoeW kes ef v eeceeW Deew j MeleeX kes

ceevekeerkejCe Hej meeJe&peefveke cemeewoe He$e Deewj Heeefuemeer OeejkeeW
keer j#ee efJeefveeecekeeW kes efueS HeefjceeCe
[eeyesme kes DeefOeenCe Hej meeJe&peefveke cemeewoe He$e
18-05-2010
25-05-2010
07-06-2010
Ske yeercee eoelee mes otmejs yeercee eoelee kees efveieefcele DeefYekelee&
kee nmleeblejCe
keceerMeve eje efoes iees Heeefjeefceke kee Yegieleeve ee veneR lees
yeercee DeefOeefveece, 1938 keer Oeeje 31yeer (2)
Ske yeercee eoelee mes otmejs kees efveieefcele DeefYekelee& kee nmleeblejCe
07-06-2010
yeerceeeoelee eje efveieefcele DeefYekelee&DeeW kee efvejer#eCe
16-06-2010
SSceSue ceeie&oMe&veeW keer meceer#ee
16-06-2010
FbMetjWme kebHeefveeeW kes FeqkeJeer nesefu[bie Hewve& kes yeewjs
02-06-2010
215

105.
106.
107.
108.
109.
110.
111.
112.
113.
114.
115.
116.
117.
118.
118.
119.
120.
121.
122.
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124.
125.
126.
127.
128.
129.
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131.
132.
133.
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136.
137.
138.
139.
140.
141.
142.
DeeF&Deej[erS/SveSue/meerDeeF&Deej/SceDeeF&Smemeer/
101/06/2010
DeeF& D eej[er S /Smeer er / meer D eeF& D eej/et u eer H e/102/
06/2010
DeeF& D eej[er S /meer S peer er S me/peer [ er S ue/Suemeer F & /
106/06/2010
DeeF&Deej[erS/SpeererSme/DeesDeej[er/
er D eejSvepeer / 109/07/2010
DeeF&Deej[erS/ueeFHe/meerDeeF&Deej/SceDeeF&Smemeer/
110/07/2010
DeeF&Deej[erS/DeeF&er/Sveermeer/SceDeeF&Sme/111/
07/2010
DeeF&Deej[erS/yeerDeejkes/DeesDeej[er/Suemeer/112/
07/2010
S/114/07/2010
DeeF& S veJeer / 115/07/2010
DeeF& D eej[er S /SveSue/Dees D eej[er / DeejDeeF& S ve/
117/07/2010
DeeF&Deej[erS/ueeFHe/DeesDeej[er/SceDeeF&Smemeer/
120/07/2010
118/07/2010
DeeF& D eej[er S /Suepeer S ue/Dees D eej[er / Dees D eej[er /
122/07/2010
DeeF&D
Deej[er
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S/Suepeer
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DeeF&Deej[erS/Ske/meerDeeF&Deej/etueerHe/124/08/
2010
DeeF&Deej[erS/ueeF&He/SceDeeF&Smemeer/meerDeeF&Deej/
125/08/2010
DeeF&Deej[erS/ueeFHe/meerDeeF&Deej/SceDeeF&Smemeer/
126/08/2010
127/08/2010
DeeF&Deej[erS/ueeFHe/SceDeeF&Smemeer/meerDeeF&Deej/
129/08/2010
130/08/2010
132/08/2010
131/08/2010
S/133/08/2010
S/134/08/2010
135/08/2010
136/08/2010
DeeF&Deej[erS/SeSueer/SceDeeF&Smemeer/
DeeF&Deej[erS/meerS[er/meerDeeF&Deej/SpeerSve/137/
08/2010
DeeF&Deej[erS/meerSeSce/FerSSmeSme/
DeeF&Deej[erS/SHe SC[ DeeF&/DeesDeej[er/F&Sceer/
145/08/2010
DeeF&Deej[erS/yeerDeejkes/DeesDeej[er/Suemeer/147/
09/2010
DeeF& D eej[er S /SveSue/Dees D eej[er / Deejer D eeF& /
148/09/2010
DeeF&Deej[erS/DeeF&er/DeesDeej[er/SceDeeF&Smemeer/
152/09/2010
DeeF& D eej[er S /Smeet D eej/Dees D eej[er / SueSme/
153/09/2010
DeeF&Deej[erS/Smeerer/meerDeeF&Deej/SceDeeF&Smemeer/
154/09/2010
DeeF& D eej[er S /meer S peer er S me/peer [ er S ue/Suemeer F & /
155/09/2010
SSceSue/158/09/2010
DeeF&Deej[erS/SveSue/meerDeeF&Deej/meerDeejF&/159/
09/2010
17-06-2010
yeercee keJej keer oselee kes efueS mQ[[& eHeespeue Heece&
19-06-2010
etefueHe ceW efveieefcele efkees peeves Jeeues lelJe
28-06-2010
06-07-2010
efveieefcele DeefYekelee&DeeW kes efueS efveie&ce/ueeFmeWme kes veJeerveerkejCe

Hej ceeie&oMe&ve
yeercee DeefYekelee&DeeW kes Hejer#ee kesveW kee kebHetjerkejCe
12-07-2010
jsHejue DejWpeceW Hej HeefjHe$eeW kees j kejvee
14-07-2010
16-07-2010
lekeveerkeer yeesueer kes efueS DeeF&er HeceeX kes F&DeejHeer efmemcme

mspe 1 BeF& Deceue ceW ueevee
yeeskej ueeFmeWme kees j kejvee
19-07-2010
uesJeer Dee@He Hesveeuer
21-07-2010
meef&efHekes Dee@He ef[Heeefpe (meer[er) Deewj keceefMe&eue HesHeme&

(meerHeer) ceW Deesermeer êvpeskeMeve keer efjHeesefie
cesmeme& keueewIe Fbpeerefveeefjbie Deewj cesmeme& DeesSvepeermeer vessMeveue
FbMeesjWme kebHeveer kees peejer veerefleeeB
jsHejue kebHeefveeeW keer mJeerke=efle
26-07-2010
26-07-2010
26-07-2010
SejHees& ueeeefyeefueer FbMetjWme Hee@efuemeer-vesMeveue FbMetjWme

kebHeveer
SmeyeerDeeF& ueeFHe FbMetjWme kees keejCe yeleeDees veesefme
27-07-2010
27-07-2010
27-07-2010
keee& mLeue
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FbMetjWme DeeF& ueeFHe FbMetjWme
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04-08-2010
05-08-2009
09-08-2010
DeeF& D eej[er S (yeer c ee ef J e%eeHeve Deew j Keg u eemee) meb M ees O eve
ef J eef v eeeceke, 2010
jsHejue DejWpeceW - Kelce kej osvee
11-08-2010
jsHejue kejej mes efveieefcele DeefYekelee& kes HeefjJele&ve
16-08-2010
peerJeve yeercee GlHeeoeW kee efJe%eeHeve
17-08-2010
SejHees& ueeeefyeefueer FbMetjmW e mes mebyebeOf ele ceeceues ceW Deesej

f Sbue
FbMetjWme kebHeveer efueefces[ kes efJe DeeF&Deej[erS kee DeeosMe
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ceW FHekees esefkeees pevejue FbMetjWme kebHeveer efueefces[ kes efJe
DeeF&Deej[erS kee DeeosMe
cesmeme& Yeejleer Skemee ueeFHe FbMetjWme kebHeveer efueefces[ kes
efJe DeeF&Deej[erS kee DeeosMe
cesmeme& Yeejleer Skemee pevejue FbMetjWme kebHeveer efueefces[ kes
efJe DeeF&Deej[erS kee DeeosMe
efveieefcele DeefYekelee&DeeW kes efueS Hewve kee[& keer DeeJeMekelee
17-08-2010
17-08-2010
20-08-2010
20-08-2010
23-08-2010
24-08-2010
24-08-2010
Fues k e ^ e @ e f v eke ^ e vpew k e M eve S[ef c eef v em^ s M eve Deew j mes ueceW
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mJeemLe oeJes kee efveHeeje-efyevee veieoer DeeOeej Hej
24-08-2010
Hee@efuemeer [ekeetceW Hej DeefYekelee& yeesjeW kee Kegueemee
31-08-2010
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Hej meeJe&peefveke meewoe He$e
Henues 5 Je<eeX ceW eyebOeve kes KeeeX keer meercee
31-08-2010
01-09-2010
03-09-2010
kecHeesefpe yegefkebie ueeFmeWme kes veJeerveerkejCe keer ceeBie Jeeuee

efo. 16-2-2010 kee DeeJesove j kejvee
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03-09-2010
DeeF&peerSceSme eCeeueer Deceue ceW ueevee
06-09-2010
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09-09-2010
ceeveke yeer c ee GlHeeo eeceer C e Deew j meeceeef p eke #es $ e kee

SkemeHeespej [êHe keecHeesefpe Hewkespe
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yeerceeeoeleeDeeW kes efueS SSceSue/meerSHeer ceeie&oMe&ve
14-09-2010
24-09-2010
27-09-2010
yeQke kees pevejue FbMetjWme eje Yespes peeves Jeeues GOeej yeercee
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216
dm{fH$ [anmoQ>
2009-10
gbH$ 9
AmBAmaS>rE A{Y{Z`_, 1999 Ho$ AYrZ ~Zmò Jò {d{Z`_Z

A{YgyMZm
H$.g.
1
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38.
39
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49*
50*
51*
52*
#
AmBAmaS>rE (~r_m gbmhH$ma g{_{V Ho$ gX`)

AmBAmaS>rE ~r_m gbmhH$ma g{_{V H$m M`Z {d{ZXe
o Z, 2000
AmBAmaS>rE ~r_m gbmhH$ma g{_{V (~R>H$) {d{ZXoeZ, 2000
AmBAmaS>rE ({Z`w$ ~r_mH$H$) {d{ZXe
o Z, 2000
AmBAmaS>rE (~r_mH$H$ [anmoQ> VWm E~Q>Q>g) {d{ZXoeZ, 2000
AmBAmaS>rE (~r_m EOQo >m| H$m bmBgg
| rH$aU), {d{ZXe
o Z, 2000
AmBAmaS>rE (~r_mH$Vm H$s gn{m, Xm{`d Ama gmodogr _m{Og) {d{ZXe
o Z, 2000
AmBAmaS>rE (gmYmaU ~r_m-nwZ~u_m) {Zd{ZXoeZ, 2000
AmBAmaS>rE (^maVr`` ~r_m H$n{Z`m| H$m nOrH$aU) {d{ZXe
o Z, 2000
AmBAmaS>rE (~r_m ES>dQ>mB O_|Q> VWm {S>H$bmo) {d{ZXe
o Z, 2000
AmBAmaS>rE (Amo{bJoeg Am\$ B`yag Qy> ab gmoeb goQ>a), {d{ZXe
o Z, 2000
AmBAmaS>rE (~R>H$) {d{ZXe
o Z, 2000
AmBAmaS>rE (~r_m H$n{Z`m| H$m {d{m` {ddaU d boIm narj`m| H$s [anmoQ> V`ma H$aZm)
AmBAmaS>rE ({Zdoe) {dZXe
o Z, 2000
AmBAmaS>rE (Am{\$gg Ed A` H$_Mm[a`m| H$s H$m` H$aZo Ho$ {Z`_) {d{ZXXe
o Z 2000
AmBAmaS>rE (~r_m gdjH$ Ed hm{Z {ZYmaH$ (bmBgog, mo\o$eZb [a$mà_|Q>g VWm H$moS> Am\$ H$S>Q>), {d{ZXoeZ, 2000
AmBAmaS>rE (OrdZ ~r_m-nwZ_ r_m) {d{ZXeZ, 2000
AmBAmaS>rE ({Zdoe) (A_oS>_Q| >) {d{ZXe
o Z, 2001
AmBAmaS>rE (Vrgam nj emgH$-d` godmò) {d{ZXe
o Z, 2001
AmBAmaS>rE (nwZ~r_m gbmhH$ma g{_{V) {d{ZXeZ, 2001
AmBAmaS>rE ({Zdoe) (A_|S>_Q| >) {d{ZXe
o Z, 2002
AmBAmaS>rE (rnoaoeZ Am\$ \$mBZm{e`b Q>oQ>_|Q>g ES> Am{S>Q>g [anmoQ> Am\$ B`moa|g H$nZrO) {d{ZXoeZ 2002
AmBAmaS>rE (~r_m YmaH$m| Ho$ {hV H$s gwajm) {d{ZXe
o Z, 2002
AmBAmaS>rE (~rm Xbmb) {d{ZXe
o Z, 2002
AmBAmaS>rE (AmopbJoeg Am\$ B`yag Qy> ab gmoeb goQ>a) {d{ZXe
o Z, 2002
AmBAmaS>rE (H$mono[aQ> ES>|Q>g H$m bmBg|grH$maU) {d{ZXoeZ, 2002
AmBAmaS>rE (~r_m EMQo >m| H$m bmBg|grH$aU) (A_oS>_Q| >), {d{ZXe
o Z, 2002
AmBAmaS>rE (~r_m YmaH$m|H$o {hV H$s gwajm) (_oS>_Q| >) {d{ZXe
o Z, 2002
AmBAmaS>rE (_oZa Am\$ {a{gQ> Am\$ r{_`_), {d{ZXe
o Z, 2002
AmBAmaS>rE {S>pQ>e
y Z Am\$ gabg) {d{ZXe
o Z, 2002
AmBAmaS>rE (^maVr` ~r_m H$n{Z`m| H$m nOrH$aU) (_oS>_Q| >), {d{ZXe
o Z, 2003
AmBAmaS>rE ({Zdoe) (_AoS>_Q| >) {d{ZXe
o Z, 2004
AmBAmaS>rE (~r_mH$H$ H$s `mo`Vm) {d{ZXe
o Z, 2004
o Z, 2004
AmBAmaS>rE (~r_m ghbmH$ma g{_{V) {d{ZXe
o Z, 2005
AmBAmaS>rE (gyj_ ~r_m) {d{ZXe
o Z, 2005
AmBAmaS>rE (gd Nw>>r), 2005
o Z, 2005
AmBAmaS>rE (nwZ~u_m AÙ) A{YgyMZm
AmBAmaS>rE (~r_m A{^H$VmAm| H$m nOrH$aU) (_oS>_Q| >) {d{ZXe
o Z, 2007
AmBAmaS>rE ({ZJ_r` A{^H$VmAm| H$m nOrH$aU) (A_oS>_Q| >) {d{ZXe
o Z, 2007
AmBAmaS>rE (~r_m Xbmb) (_oS>_Q| >) {d{ZXe
o Z, 2007
AmBAmaS>rE (~r_mH$VmAm| H$m Jm_rU AWdm gm_{OH$ jo Ho$ {V Xm{`d) (Vrgam A_oS>_Q| >) {d{ZXe
o Z, 2008
AmBAmaS>rE (Jm_rU `m gm_m{OH$ jom| Ho$ {bE ~r_m XmVmAm| Ho$ Xm{`d) (MmWm gemoYZ) (gemoYZ) {d{Z`_, 2008
AmBAmaS>rE (^maVr` ~r_m H$n{Z`m| H$m nOrH$aU) (Xygam gemoYZ) {d{Z`_, 2008
AmBAmaS>rE (A{YH$m[a`m| Ama A`m| H$s godm eV]) (Xygam gemoYZ) {d{Z`_, 2008
AmBAmaS>rE ({Zdoe) (MmWm gemoYZ) {d{Z`_, 2008
AmBAmaS>rE (~r_m gbmhH$ma g{_{V), 2008
AmBAmaS>rE (~r_m CnmXm| Ho$ {dVaU Ho$ {bE S>mQ>o~og H$s eo[aJ){d{Z`_, 2010
AmBAmaS>rE (Ny>Q> Xr JB qbS> ~r_m nm{b{g`m| H$m {VnmXZ), {d{Z`_, 2010
AmBAmaS>rE (~r_m {dkmnZ Ama Iwbmgm) (gemoYZ), {d{Z`_, 2010
AmBAmaS>rE (~r_m A{^H$VmAm| H$s bmBg|qgJ) (A{^H$Vm), {d{Z`_, 2010
gaH$mar amOn _| A{Ygy{MV.
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217
dm{fH$ [anmoQ>
218
2009-10
dm{fH$ [anmoQ>
2009-10
gbZH$ - 10
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H$mo g_m hò {dm df Ho$ {bò dm{fH$ boIm {ddaU
219
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220
2009-10
dm{fH$ [anmoQ>
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2009-10
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221
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2009-10
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vE xE |vEh E iii {k E E ni * |vEh x ix {j , BEji +iH
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il xv E E x E V Ei , V E +vx, 1938 =Ji * E BE E xv
E +vEi 10% E E |nk {V E 10% xi E V Ei * J {Ih E +x E
`622.29 Ec E x E ix , |vEh x `258.05 Ec v V (Cb b{]) x E
V E 10% E |iE E E +ivE +vE , V E x xi n M VE ...|.
x =Px E *
J.2. |vEh x `622.29 Ec S xi E v V x E l il < J x nJ l* <
{h x +vE nJ il ix {{k `622.29 Ec E nJ *
J.3. i E k j x Exp k xE / l+ E J BE{i {ni x E BE
VxE |{ E {S E * 2001-02 < J |{ E k xE / l+ E u
+x{x +x l* t{, k xE E VE n E {lE +vx E u xji i il
E i E xjE J {IE J {IE , =x xvi |{ M*
222
dm{fH$ [anmoQ>
2009-10
in{Si, k j, i E E Y{x . B . 10(1)/./2005/]B nxEi 23.07/2006

xh l E VxE |{ =x k xE/l+ E M M V { U]-|{i l* t{,
xE + E |vEh +{x J xE + E |vEh +vx, 1999 E v 17(1)
E +x i E VE i E E xn E =Px *
(v). ={H {Un Ji +Ex E +x, |ini Ex Si E ix {j il +
J / |{i Mix J < |inx J E Ei ni *
(vi). i il lo> Sx E B n M {]Eh E +v { =H k h J xi
J { ]{{h, E l {g VM il ={H ] il < J {Ih |inx E l Mx
MxE Ji +x i {] { ni i E i vhi: Ei J
+n E +x{ *
(E). xE + E |vEh E 31 S, 2010 { ix {j vi ; il
(J). Si E + J VE =H il { {i + vi *
B BV E E i
(xnE J {I)
Exp
lx: x< n
nxE: 24-11-2010
223
dm{fH$ [anmoQ>
2009-10
J {Ih |inx E MxE

1.
+iE J {Ih |h E {{ii
l E< +iE J {Ih M x x M x j u J {Ih E M *

...|. x +iE J {Ih E E +vEi J{ E BE xV E{x E u E
il 2009-10 E +iE J {Ih E V SE *
2.
{k E iE i{x E |h
{k E iE i{x n, 2009 iE E V SE *
3.
i S E iE i{x E |h
2009-10 E ]x i+ E iE i{x E V SE * |vEh x Ei

|Ex, {{ E hb il ={M O E iE i{x E |h vi Sx ={v
x E<*
4.
vxE n E Mix E xii
J E +x, U: +vE E< vxE n i x *
224
893,244
893,244
225
iv)
v)
i)
ii)
iii)
iv)
F$U
gwa{jV (`moOZ Ho$ {bE VwV gwajm ~VmE|)
Agwa{jV
^maV gaH$ma go m F$U
A` F$U
A` O_mE
Cnhma VWm XmZ
A{Veof VWm H$mof

- {nN>bo VwbZ n Ho$ AZwgma O_m
OmoS>-o Am` VWm `` ImVo _| AZwgma ``
go A{YH$ Am` - gb
KQ>mE : Am` VWm `` ImVo Ho$ AZwgma
Am` go A{YH$ ``-gbZ
- df Ho$ AV _| eof
nyO r {Z{Y
- nOy r AZwXmZ
- df Ho$ ma^ _| eof
Wm`r n[agn{m`m| H$m _y`
ii)
iii)
AmBAmaS>rE H$mof ({Q>nUr 4 XoI)o

-df Ho$ ma^ _|
-df Ho$ m{`m
- df Ho$ AV _| eof
i)
Xm{`d
4,127,331,218
1,211,155,021
2,916,176,197
gm_m` H$mof
(`.)
2008-09
nyd df Ho$ {bE

AmH$S>|
5,505,736,762
1,378,405,544
4,127,331,218
893,244
893,244
(`.)
2009-10
Mmby df Ho$ {bE

AmH$S>o
6,569,550
63,723
v)
iv)
iii)
106,500
i)
ii)
154,180,186
AZwg{y MV ~H$ Ho$ gmW Wm`r O_mE

A`
Ho$r` VWm am` gaH$ma H$s {V^y{V`m

BH$mB`m
H$) hmW amoH$S> (hmW _| MH$ VWm `hm[aV

ZH$X am{e g{hV)
H$) ~H$ eof
A` dV_mZ n[agn{m`m
ZH$X VWm ~H$ O_mE
A{^H$aUm| Ho$ nmg O_mE

Q>m\ $ H$mo F$W VWm A{J_
~r_m H$n{Z`m| VWm A` go Xo` am{e`m
dV_mZ n[agn{m`m, F$U VWm A{ (ZmoQ> 3 XoI)|
iv)
iii)
ii)
i)
{Zdoe (pnUr 2 XoI)|

(_y`mH$Z H$s {d{Y-bmJV na)
H$m` J{Vna - AmB Ama S>r E {Z_mU
gbH$ 1 Ho$ AZwgma Wm`r n[agn{m`m ({Q>nUr-1 XoI)|

n[agn{m`m| H$m ew bmH$
KQ>mE ; Ad_y`Z
n[agn{m`m| H$m Hw$b bmH$
n[agn{m`m
55,140,630
720,537
4,707,374,515
12,274,947
37,962,749
25,687,802
(`.)
2008-09
nyd df Ho$ {bE

31 _mM 2010 H$mo VwbZ n
34,724,536
52,622
143,384,308
63,739,259
1,433,599
6,222,900,000
20,000,000
15,980,987
48,003,241
32,022,254
(`.)
2009-10
Mmby df Ho$ {bE

AmH$S>o
n (E)
dm{fH$ [anmoQ>
2009-10
226
1,549,804
760,958,032
107,377
4,937,418
4,936,430,588
14,210,010
757,070
106,500
58,676
25,521,239
iii)
-{Zdoe Ho$ _mZ _| {JadQ> Ho$ {bE mdYmZ

A` Xm{`d:
1. A`{`V AZwXmZ
2. emgH$s`/A` F$Um| na ^wJVmZ `mo` `mO
3. ^{d` {Z{Y, godm{Zd{m VWm A` H$`mUH$mar H$mof:
H$) ^{d` {Z{Y
I) A` H$`mUH$mar H$mof
J) godm {Zd{m H$mof VWm Q>mH $ H$`mU H$mof:
4. A` ({Z{X> H$a|)
-A` Xm{`d (Vmo na H$a H$Q>mVo r)
-noeJr m nOr`Z ZdrZrH$aU ewH$
-gmQ> \${ZetJ [aH$dar
godm AmodaS>mQ>
dV_mZ Xm{`d VWm mdYmZ

({Q>nUr 5 XoI)|
i) {d{dY boZXma:
-nOrJV _Xm| Ho$ {bE
-A` _Xm| Ho$ {bE
ii) mdYmZ::
-g{XY H$O Ama A{J_m| Ho$ {bE mdYmZ
Xm{`d
6,502,215,311
1,426,458
946,856,096
125,242
19,895,090
1,392,984
6,960,174
18,929,261
(`.)
2009-10
Mmby df Ho$ {bE

AmH$S>o
4,936,430,588
(`.)
2008-09
nyd df Ho$ {bE
n[agn{m`m
(Or ^mH$am)
gX`
(Ama Ho$ Zmà)
gX`
(EZ lr{Zdmg amd)

_w` boIm A{YH$mar
(Ho$.Ho$. lr{Zdmg)
gX`
_hdnyU boIm H$mo V`ma H$aZo dmbo {hgm| H$s nm{b{g`m VWm {Q>n{U`m - gbH$ IX
ZmoQ>:
Wm`r n[agn{m`m| go g~{ YV gyMZmE gbH$ 1 _| Xr JB h &
1
2
{Zdoe _| g~{ YV gyMZm gbH$ 2 _| Xr JB h &
3
dV_mZ n[agn{m`m, F$U VWm A{J_ go g~{ YV OmZH$mar gb 3 _| Xr JB h &
4
AmBAmaS>jE H$mof Ho$ {ddaU gb 4 _| {XE JE h & (H$mof _| A{Y{Z`_ H$s Ymam 16 Ho$ AVJV Ho$ gaH$ma, A` gJR>Z VWm {ZH$m`m| go m AZwXmZ em{_b h)
5
AmH$p_H$ Xm{`dm| Ho$ {ddaU gJZ 5 _| {XE JE h &
6
_hdnyU boIm nm{b{g`m| VWm boIm| Ho$ ^mJm| H$mo V`ma H$aZo dmbr {Q>n{U`m| g| g~{ YV gyMZmE gbH$ 9 _| Xr JB h &
7
`dgm` Ho$ {ddU VWm {Q>n{U`m|/boImAm| Ho$ ^mJm| H$mo ~ZmZo dmbr boIm nm{b{g`m| go g~{ YV gyMZmAm| Ho$ g_V gbH$ &
(`.)
2008-09
nyd df Ho$ {bE

AmH$S>|

31 _mM 2010 H$mo VwbZ n
(Oo. h[a ZmamÙ)

A`j
(Ama H$Z)
gX`
6,502,215,311
(`.)
2009-10
Mmby df Ho$ {bE

AmH$S>o
Omar.... n (E)
dm{fH$ [anmoQ>
2009-10
227
1,420,854,440
2,149,862
1,211,155,021
4,379,975
25,607,734
275,240
17,103,354
83,177,191
67,103,197
9,902,866
-
AZwfJ r bm^ H$a

df Ho$ {bE AJoZ rV H$s Jg `` go A{YH$ Am`
`mO (ZmoQ 3> XoI)|

Ad_y`Z
~Q>Q>o ImVo _| S>mbHr XJB nOrJV n[agn{m`m
n[agn{m`m| Ho$ ~>Io mVo S>mboZ OmZo na hm{Z
g{XY F$U VWm A{J_m| Ho$ {bE mdYmZ
{dH$mg ``
{dkmnZ g~Y r ``
A` ``
A`j Ama gX`m| H$mo ^wJVmZ

Q>m\ $ gX`m| H$mo ^wJVmZ VWm mdYmZ ({Q>nUr 1 X|I)|
WmnZm `` ({Q>nUr 2 XoI)o
^mS>m
AZwgY mZ VWm nam_e ewH$
go{_Zma, AYdoeZ, H$meZ Am{X ({V Xe XoI)|
``
1,596,187,771
443,519,850
21,632,405
360,000
1,378,405,544
1,974,671
200,010
1,420,854,440
373,904,371
1,612,842
-
572,857,261
2,752,030
350,000
1,691,000
-
(`.)
nyd df Ho$ {bE
7,473,608
183,769
6,334,453
20,956,816
98,667,761
61,492,673
5,951,759
11,412,683
5,308,705
(`.)
Mmby df Ho$ {bE

AmH$S>o
(Or ^mH$am)
gX`
(Ama Ho$ Zmà)
gX`
(EZ lr{Zdmg amd)

_w` boIm A{YH$mar
(Ho$.Ho$. lr{Zdmg)
gX`
_hdnyU boIm H$mo V`ma H$aZo dmbo {hgm| H$s nm{b{g`m VWm {Q>n{U`m-gbH$ IX
ZmoQ> 1 H$_Mm[a`m| H$mo ^wJVmZVWm CZHo$ {bE mdYmZ go g~{ YV gyMZm gbH$ 6 _| Xr JB h &
2 WmnZm `` go g~{YV gyMZm gbH$ 7 _| Xr JB h &
3 Ò am{e go g~{ YV gyMZm gbH$ 8 _| Xr JB h &
4 Am` VWm `` ImVo Ho$ g^r gbH$ VWm boH$m Ho$ {hgm| H$mo V`ma H$aZo dmbr _hdnyU boH$m Zr{V`m| go g~ {Q>n{U`m/gyMZmE
2008-09
nyd df Ho$ {bE

AmH$S>| (`.)
m
m{ `mo`
KQ>mE: nOy r {Z{Y _| hVmV[aV
(Oo. h[a ZmamÙ)

A`j
(Ama H$Z)
gX`
A`
empV`m, AWXS> Am{X
go{_Zma, A{YdoeZ VWm H$meZ Am{X
{Zdoe go Am` - AZwg{y MV ~H$m| _| O_m am{e`m| na `mO
O_mAm| na `mO
A{J_| na `mO
i)
Amdmgr` VWm A` ÒZm| go Q>m\ $ gX`| H$mo Xm
A`
ii)
{d{dY Am`
AZwkm{ H$m ZdrZrH$aU-A{H$Vm

AZwkm{ H$m ZdrZrH$aU-Xbmb
AZwkm{ H$m ZdrZrH$aU-Q>rnrE
AZwkm{ H$m ZdrZrH$aU - ~r_mH$Vm
ZdrZrH$aU ewH$
gd}jH$ ewH$
~r_mH$Vm ewH$
A{^H$Vm ewH$
~mHo $a ewH$
Q>rnrE ewH$
ewH$:
nOrH$aU ewH$
AZwXmZ
Am`

31 _mM 2010 H$mo g_m df Ho$ {bE Am` VWm `` ImVm
442,157,515
2,777,571
1,049,164
1,596,187,771
6,500,000
382,132,300
28,694,833
60,100
730,009,077
2,687,211
100,000
20,000
-
(`.)
Mmby df Ho$ {bE

AmH$S>o
n (~r)
dm{fH$ [anmoQ>
2009-10
228
4
5
6
7
8
AJoZrV O_m
~H$ _| ZJX
hmW amoH$S>
hmW _| MH$
nmaJ_Z _| ZJX/MH$
nOrH$aU ewH$
-~r_m H$n{Z`m
-VVr` nj emgH$ Q>rnrE
-~r_m Xbmb
-~r_m A{^H$Vm
-~r_m gXbmb
A`
nOrH$aU ZdrH$aU ewH$
- ~r_m H$n{Z`m
- VVr` nj emgH$
- ~r_m gd}à
- ~r_m A{^H$Vm
- ~r_m ~moH$g
- A`
~r_mH$Vm VWm _`Wm| go m empV`m VWm AWXS>
go{_Zma, A{YdoeZ Am{X
{Zdoem| _| Am`
{Zdoem| go {dH$`
AZwXmZ
i) Ho$r` gaH$ma/am`gaH$ma/A`
ii) Cnhma VWm XmZ
F$U
m{`m
H$.g
4,817,274,515
6,500,000
845,841,494
60,100
457,970,820
28,634,833
100,000
20,000
2,687,211
1,632,132
63,723
-
10
11
12
13
14
15
16
17
18
8
9
1
2
3
4
5
6
H$.g
eoY VWm nam_e ewH$
go{_Zma, A{YdoeZ, H$meZ Am{X go
^mS>m ^wJVmZ go
{dH$mg `` go
{dkmnZ `` go
A`j Ama g{Mdm| H$mo ^wJVmZ mam
(i) doVZ VWm ^mo
(ii) A` bm^
(iii) `mm ``
WmnZm ``m| go
(i) doVZ VWm ^mo
(ii) A` bm^
(iii) `mm ``
(iv) godm{Zd{m bm^
H$m`mb` `` go
`mO mam
(i) gaH$mar Um| go
(ii) A` F$Um| go
n[agn{m`m| H$s IarXr go
Mb aho nOrJV H$m`m} go
Q>m\ $ VVm A`m| H$mo A{J_ VWm `mm ^mm A{J_
{Zdoe go
gaH$mar F$Um|/ewH$m| Ho$ nZ^wJVmZ go
A` F$Um| Ho$ nwZ:^wJVmZ go
A` ``m| go
AmBAmBAmaE_ H$mo ^wJVmZ
AZwfJ r bm^ H$a go
^wJVmZ

31 _mM, 2010 H$mo g_m hE df Ho$ {bE {`m VWm ^wJVmZ ImVm
762,876
316,892
7,108,736
10,000,000
17,779,664
6,332,800,000
76,048,084
24,367,060
12,269,117
9,712,139
22,090,687
16,169,659
4,060,576
4,200,197
9,002,985
11,397,683
13,840,064
5,806,022
n (gr)
dm{fH$ [anmoQ>
2009-10
229
15
14
(Ama Ho$ Zmà)

gX`
gwajm O_m Ho$ ^wJVmZ go

(i) ~H$ _| ZJX
(a) ~H$ Am\$ B{S>`m, ~era~mJ emIm
(b) ~H$ Am\$ BpS>`m, ~era~mJ emIm
(c) AmBgrAmBgrAmB ~H$, {h_m`V ZJa emIm
(d) AmBAmo~r
(e) Q>oQ> ~H$ Am\$ B{S>Q>m, n[al_ ^dZ emIm
(ii) hmW _| ZJX
AmBAmaS>rE, hXam~mX
{Xr H$m`mb`
{Xr A{V{W Jh
(iii) hmW _| MH$
(iv) nmaJ_Z Zo ZJX/MH$
^wJVmZ
(Ho$.Ho$. lr{Zdmg)
gX`
6,612,509,599
802
86,157
660,547
2,726,345
448,250,920
19
H$.g
(Or ^mH$am)
gX`
`mO m
-O_mAm| na
-A{J_m| na
- A`
H$_Mm[a`m| go dgybr
H$) F$U VWm A{J_
I) F$U VWm A{J_m| na `mO
J) {d{dY dgy{b`m
A` m{`m
H$) {d{dY Am`
I) R>oHo$Xmam| go gwajm O_m
J) nwZ: m gwajm O_m
(K) ~H$ ImVo na `mO
U) R>oHo$Xma na Q>rS>rEg
~H$ Am\$ BpS>`m ImVo _|
~wH$ Amoda S>mQ> XoH|$
12
(EZ lr{Zdmg amd)

_w` boIm A{YH$mar
H$meZm| Am{X Ho$ {dH$`

n[agn{m`m| Ho$ {dH$`
10
11
13
m{`m
H$.g
(Ama H$Z)
gX`
(Oo. h[a ZmamÙ)
A`j

31 _mM, 2010 H$mo g_m hE df Ho$ {bE {`m VWm ^wJVmZ ImVm
6,612,509,599
35,000
7,622
10,000
8,941,096
25,241,319
21,987
4,999
515,134
Omar... n (gr)
dm{fH$ [anmoQ>
2009-10
I) ^dZ
230
422,945
3,454,483
5,494,714
681,066
10,053,208
6,555,741
8,718,681
20,758,059
822,724
37,962,749
CnH$aU
\$ZuMZ VWm CnH$a
H$`yQ>a
nwVH|$
(Ho$.Ho$. lr{Zdmg)
gX`
1,097,544
dmhZ
(EZ lr{Zdmg amd)

_w` boIm A{YH$mar
I) ^dZ
`moJ
H$) ^y{_
Amdmgr` boQ> g
10,000
H$mo
_y`
12,716
12,716
gH$b bmH$
df Ho$ XmamZ
df Ho$ XmamZ
~oMm/{ZnQ>m`m
OmoS>
J`m
(Ama Ho$ Zmà)

gX`
48,003,241
1,503,790
26,240,057
12,173,164
6,978,686
1,097,544
10,000
H$mo `moJ
31.03.2010
25,687,801
822,724
16,040,831
4,684,439
3,619,901
519,907
H$mo
01.04.2009
(Or ^mH$am)
gX`
6,347,510
681,066
3,424,076
1,541,440
551,377
149,551
Ad_y`Z
df Ho$ {bE
13,057
13,057
g_m`moOZ
(Ama H$Z)
gX`
32,022,254
1,503,790
19,464,906
6,225,879
4,158,222
669,458
VH$
31.03.2010
_mM 2010 go VwbZ n Ho$ gbH$ VWm ^mJ Ho$ n _| -Wm`r n[agn{m`m| H$s gyMr
H$) ^y{_
H$m`mb` n[aga
{ddaU
01.04.2009
31
12,274,948
4,717,228
4,034,242
2,935,840
577,637
10,000
H$mo
(Oo. h[a ZmamÙ)

A`j
15,980,987
6,775,151
5,947,285
2,820,464
428,086
10,000
H$mo
31.03.2009
ew bmH$
31.03.2010
gbH$ 1
dm{fH$ [anmoQ>
2009-10
E\$S>rAma
g`m
1410515000000341/1
860145110000913
860145110000919
860145110000920
860145110000921
860145110000922
860145110000923
860145110000924
860145110000925
860145110000926
860145110000927
35020100002166
233001
320030
1410515000000341/3
411735
320033
1410516000027561/4
30747391172
30747391648
30747392041
30747397639
30747398510
30747398906
30756075767
30756076318
1787401002245/16
1787401002245/17
1787401002245/18
1787401002245/19
30763075714
30763075522
30763075373
30114050023376/1
30114050023376/3
ma{^H$
{V{W
4-4-09
6-4-09
13-4-09
13-4-09
13-4-09
13-4-09
13-4-09
13-4-09
13-4-09
13-4-09
13-4-09
15-4-09
15-4-09
15-4-09
15-4-09
21-4-09
21-4-09
21-4-09
21-4-09
21-4-09
21-4-09
21-4-09
21-4-09
21-4-09
4-5-09
4-5-09
13-5-09
13-5-09
13-5-09
13-5-09
13-5-09
13-5-09
13-5-09
1-5-09
1-5-09
~H$
H$$a do`m ~H$

~H$ Am\$ BpS>`m, ~era~mJ
AmYm ~H$
AmYm ~H$
AmYm ~H$
H$$a do`m ~H$,Ama.nr.amoS>
AmYm ~H$
AmYm ~H$
Q>So > ~H$ Am\$ B{S>`m - nr~r
Ho$Zam ~H$
Ho$Zam ~H$
Ho$Zam ~H$
Ho$Zam ~H$
qgS>rHo$Q> ~H$
qgS>rHo$Q> ~H$
20000000
3000000
9600000
9600000
9600000
9600000
9600000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
30000000
9800000
9800000
30000000
9800000
9800000
9800000
9800000
9800000
9800000
9000000
6000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
O_m
YZam{e
9.00%
8.00%
8.00%
8.00%
8.00%
8.00%
8.00%
8.00%
8.00%
8.00%
8.00%
8.00%
8.00%
8.00%
8.75%
7.50%
7.50%
8.75%
7.75%
7.75%
7.75%
7.75%
7.75%
7.75%
7.50%
7.50%
7.50%
7.50%
7.50%
7.50%
7.50%
7.50%
7.50%
7.50%
7.50%
`mO H$m
{VeV
4-4-10
6-4-10
13-4-10
13-4-10
13-4-10
13-4-10
13-4-10
13-4-10
13-4-10
13-4-10
13-4-10
15-4-10
15-4-10
15-4-10
15-4-10
21-4-10
21-4-10
21-4-10
21-4-10
21-4-10
21-4-10
21-4-10
21-4-10
21-4-10
4-5-10
4-5-10
13-5-10
13-5-10
13-5-10
13-5-10
13-5-10
13-5-10
13-5-10
2-6-10
2-6-10
n[an$Vm
{V{W
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
366
366
Ad{Y
`` {H$ò hE `mO H$m {ddaU naVw O_m am{e na Xo` Zht - 31 _mM 2010 na

31-3-2010
362
360
353
353
353
353
353
353
353
353
353
351
351
351
351
345
345
345
345
345
345
345
345
345
332
332
323
323
323
323
323
323
323
304
304
H$mo eof {XZm|

{H$ g`m
1846365
243908
765332
765332
765332
765332
765332
717498
717498
717498
717498
713433
713433
713433
2608359
714510
714510
2563772
739017
739017
739017
739017
739017
739017
631458
420971
614339
614339
614339
614339
614340
614340
614340
578276
578276
Cn{OV `mO
naVw Xo` Zhr
gbH$ II
dm{fH$ [anmoQ>
231
2009-10
E\$S>rAma
g`m
30114050023376/4
30114050023376/2
400303311000516
400303311000517
400303311000518
841653952
841654275
841653849
400303311000521
400303311000520
842465094
842465049
842465016
842464975
842464567
400303311000524
400303311000525
400303311000526
412269
213990
400303311000581
400303311000582
1787401002245/20
1787401002245/21
1787401002245/22
349228
214010
30831816486
30831815982
30114050023376/5
30114050023376/6
70495
214014
61075106370
61075106472
ma{^H$
{V{W
1-6-09
1-6-09
19-6-09
19-6-09
19-6-09
25-6-09
25-6-09
25-6-09
25-6-09
25-6-09
30-6-09
30-6-09
30-6-09
30-6-09
30-6-09
30-6-09
30-6-09
30-6-09
10-7-09
10-7-09
10-7-09
10-7-09
20-7-09
20-7-09
20-7-09
21-7-09
21-7-09
21-7-09
21-7-09
21-7-09
21-7-09
22-7-09
22-7-09
22-7-09
22-7-09
~H$
qgS>rHo$Q> ~H$
qgS>rHo$Q> ~H$
{dO`m> ~H$
{dO`m> ~H$
{dO`m> ~H$
{dO`m> ~H$
B{S>`Z ~H$
B{S>`Z ~H$
{dO`m> ~H$
{dO`m> ~H$
B{S>`Z ~H$
B{S>`Z ~H$
B{S>`Z ~H$
B{S>`Z ~H$
B{S>`Z ~H$
{dO`m> ~H$
{dO`m> ~H$
{dO`m> ~H$
AmYm ~H$
AmYm ~H$
{dO`m> ~H$
{dO`m> ~H$
Ho$Zam ~H$
Ho$Zam ~H$
Ho$Zam ~H$
AmYm ~H$
AmYm ~H$
qgS>rHo$Q> ~H$
qgS>rHo$Q> ~H$
AmYm ~H$
AmYm ~H$
Q>Qo > ~H$ Am\$ {~H$Zoa AS> O`nwa
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
O_m
YZam{e
7.50%
7.50%
7.50%
7.50%
7.50%
7.50%
7.50%
7.50%
7.50%
7.50%
7.50%
7.50%
7.50%
7.50%
7.50%
7.50%
7.50%
7.50%
7.25%
7.25%
7.25%
7.25%
7.00%
7.00%
7.00%
7.25%
7.25%
7.00%
7.00%
7.00%
7.00%
7.25%
7.25%
7.25%
7.25%
`mO H$m
{VeV
2-6-10
2-6-10
19-6-10
19-6-10
19-6-10
25-6-10
25-6-10
25-6-10
25-6-2010
25-6-2010
30-6-10
30-6-10
30-6-10
30-6-10
30-6-10
30-6-10
30-6-10
30-6-10
10-7-10
10-7-10
10-7-10
10-7-10
20-7-10
20-7-10
20-7-10
21-7-10
21-7-10
21-7-10
21-7-10
21-7-10
21-7-10
22-7-10
22-7-10
22-7-10
23-7-10
n[an$Vm
{V{W
366
366
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
366
Ad{Y

31-3-2010
304
304
286
286
286
280
280
280
280
280
275
275
275
275
275
275
275
275
265
265
265
265
255
255
255
254
254
254
254
254
254
253
253
253
253
H$mo eof {XZm|

{H$ g`m
578276
578276
543967
543967
543967
532555
532555
532555
532555
532555
523045
523045
523045
523045
523045
523045
523045
523045
486769
486769
486769
486769
451826
451826
451826
466563
466563
450054
450054
450054
450054
464726
464726
464726
464785
Cn{OV `mO
naVw Xo` Zhr
Omar... gbH$ II
dm{fH$ [anmoQ>
232
2009-10
E\$S>rAma
g`m
61075106563
400303311000606
400303311000607
1787401002245/23
62103332019
62103331852
62103331945
052220100040883
62104272807
3003401000154/1
052220100041402
30114050023376/7
30114050023376/8
052220100041989
30114050023376/11
30114050023376/9
30114050023376/10
200653
30114050023376/12
1787401002245/24
62108354016
30114050023376/13
052220100043969
30754050005221/3
30754050005221/4
30044050017969/39
30754050005221/5
30044050017969/40
0151120100008957
052220100044612
0134020100015832
1787401002245/26
1787401002245/25
30114580000048/5
ma{^H$
{V{W
22-7-09
22-7-09
22-7-09
10-8-09
10-8-09
10-8-09
10-8-09
19-8-09
19-8-09
20-8-09
25-8-09
25-8-09
25-8-09
1-9-09
1-9-09
1-9-09
1-9-09
8-9-09
8-9-09
24-9-09
24-9-09
24-9-09
29-9-09
29-9-09
29-9-09
1-10-09
1-10-09
3-10-09
6-10-09
6-10-09
6-10-09
6-10-09
6-10-09
6-10-09
~H$

{dO`m> ~H$
{dO`m> ~H$
Ho$Zam ~H$
Q>So > ~H$ Am\$ hXam~mX
AmYm ~H$
Ho$Zam ~H$
AmYm ~H$
qgS>rHo$Q> ~H$
qgS>rHo$Q> ~H$
AmYm ~H$
qgS>rHo$Q> ~H$
qgS>rHo$Q> ~H$
qgS>rHo$Q> ~H$
B{S>`Z ~H$
qgS>rHo$Q> ~H$
Ho$Zam ~H$
qgS>rHo$Q> ~H$
AmYm ~H$
qgS>rHo$Q> ~H$
qgS>rHo$Q> ~H$
qgS>rHo$Q> ~H$
qgS>rHo$Q> ~H$
qgS>rHo$Q> ~H$
AmYm ~H$
AmYm ~H$
AmYm ~H$
Ho$Zam ~H$
Ho$Zam ~H$
qgS>rHo$Q> ~H$
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9900000
9500000
9100000
9000000
9000000
9000000
9000000
9000000
36000000
O_m
YZam{e
7.25%
7.25%
7.25%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
6.00%
`mO H$m
{VeV
24-7-10
22-7-10
23-7-10
10-8-10
10-8-10
10-8-10
10-8-10
19-8-10
19-8-10
20-8-10
25-8-10
25-8-10
25-8-10
1-9-10
1-9-10
1-9-10
1-9-10
8-9-10
8-9-10
24-9-10
24-9-10
24-9-10
29-9-10
29-9-10
29-9-10
1-10-10
1-10-10
3-10-10
6-10-10
6-10-10
6-10-10
6-10-10
6-10-10
6-10-10
n[an$Vm
{V{W
367
365
366
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
Ad{Y

31-3-2010
253
253
253
234
234
234
234
225
225
224
219
219
219
212
212
212
212
205
205
189
189
189
184
184
184
182
182
180
177
177
177
177
177
177
H$mo eof {XZm|

{H$ g`m
464842
464726
464785
414617
414617
414617
414617
398670
398670
396898
388039
388039
388039
375636
375636
375636
375636
363232
363232
334883
334883
334883
326023
326023
326023
354728
340395
322480
313620
313620
313620
313620
313620
1071256
Cn{OV `mO
naVw Xo` Zhr
Omar... gbH$ II
dm{fH$ [anmoQ>
233
2009-10
E\$S>rAma
g`m
672802/510901250
672803/510901251
672801/510901252
672/805/510901253
30114580000048/4
52220100046364
406803311000335
860145110001070
348531
52220100048113
30114580000048/8
5214540000022
5214540000049
5214540000032
348563
200950
200981
30114580000048/7
860145110001102
860145110001108
860145110001109
62117331509
30992850126
30992849961
30992849790
30992849575
30992849451
30992849235
30992850308
110320100012330
52220100050066
134020100018361
53320100013737
151120100010059
860145110001111
ma{^H$
{V{W
6-10-09
6-10-09
6-10-09
6-10-09
14-10-09
29-10-09
29-10-09
9-11-09
9-11-09
19-11-09
19-11-09
19-11-09
19-11-09
19-11-09
20-11-09
2-12-09
10-12-09
10-12-09
11-12-09
15-12-09
15-12-09
15-12-09
15-12-09
15-12-09
15-12-09
15-12-09
15-12-09
15-12-09
15-12-09
16-12-09
16-12-09
16-12-09
16-12-09
16-12-09
16-12-09
~H$
B{S>`Z AmodagrO ~H$

B{S>`Z AmodagrO ~H$
B{S>`Z AmodagrO ~H$
B{S>`Z AmodagrO ~H$
qgS>rHo$Q> ~H$
AmYm ~H$
{dO`m> ~H$
B{S>`Z ~H$
AmYm ~H$
qgS>rHo$Q> ~H$
hoMS>rEngr ~H$
hoMS>rEngr ~H$
hoMS>rEngr ~H$
B{S>`Z ~H$
B{S>`Z ~H$
B{S>`Z ~H$
qgS>rHo$Q> ~H$
AmYm ~H$
AmYm ~H$
AmYm ~H$
AmYm ~H$
AmYm ~H$
9000000
9000000
9000000
9000000
36000000
9000000
9000000
40000000
40000000
27000000
26000000
9000000
9000000
9000000
25000000
30000000
20000000
20000000
40000000
60000000
9500000
20000000
9000000
9000000
9000000
9000000
9000000
9000000
6000000
9500000
9500000
9500000
9500000
9500000
9500000
O_m
YZam{e
7.00%
7.00%
7.00%
7.00%
6.00%
7.00%
7.00%
6.00%
6.00%
5.75%
5.50%
6.00%
6.00%
6.00%
6.00%
5.50%
5.50%
5.50%
6.00%
6.00%
6.50%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.50%
6.50%
6.50%
6.50%
6.50%
6.50%
`mO H$m
{VeV
6-10-10
6-10-10
6-10-10
6-10-10
14-10-10
29-10-10
29-10-10
9-11-10
9-11-10
19-11-10
19-11-10
20-11-10
22-11-10
21-11-10
20-11-10
2-12-10
10-12-10
11-12-10
11-12-10
15-12-10
15-12-10
15-12-10
15-12-10
15-12-10
15-12-10
15-12-10
15-12-10
15-12-10
15-12-10
16-12-10
16-12-10
16-12-10
16-12-10
16-12-10
16-12-10
n[an$Vm
{V{W
365
365
365
365
365
365
365
365
365
365
365
366
368
367
365
365
365
366
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
Ad{Y

31-3-2010
177
177
177
177
169
154
154
143
143
133
133
133
133
133
132
120
112
112
111
107
107
107
107
107
107
107
107
107
107
106
106
106
106
106
106
H$mo eof {XZm|

{H$ g`m
313621
313621
313621
313621
1022838
272867
272867
961642
961642
578021
531914
201259
201300
201280
554794
553757
344560
344592
746450
1079326
185481
359775
161899
161899
161899
161899
161899
161899
107933
183747
183747
183747
183747
183747
183747
Cn{OV `mO
naVw Xo` Zhr
Omar... gbH$ II
dm{fH$ [anmoQ>
234
2009-10
E\$S>rAma
g`m
860145110001112
860145110001115
860145110001116
423900GR00000021
423900GR00000049
30997798624
30997798410
30997798158
30997797993
30997797802
30997797529
50520100014879
52226100050464
860145110001118
1410501000073622/1
30999833737
30999834481
30999834196
30999833953
30999834356
297121000021038/1
52220100050525
134020100018565
151120100010129
860145110001123
860145110001122
1787401002245/28
1787401002245/27
62118203189
30044050017969/41
30114050023376/22
52220100050613
860145110001124
52220100050853
860145110001125
ma{^H$
{V{W
16-12-09
21-12-09
21-12-09
21-12-09
21-12-09
21-12-09
21-12-09
21-12-09
21-12-09
21-12-09
21-12-09
22-12-09
22-12-09
22-12-09
22-12-09
22-12-09
22-12-09
22-12-09
22-12-09
22-12-09
22-12-09
23-12-09
23-12-09
23-12-09
23-12-09
23-12-09
23-12-09
23-12-09
23-12-09
23-12-09
23-12-09
24-12-09
24-12-09
26-12-09
26-12-09
~H$

nOm~ ZoeZb ~H$
nOm~ ZoeZb ~H$
AmYm ~H$
AmYm ~H$
H$$a do`m ~H$
b_r {dbmg ~H$
AmYm ~H$
AmYm ~H$
AmYm ~H$
Ho$Zam ~H$
Ho$Zam ~H$
qgS>rHo$Q> ~H$
qgS>rHo$Q> ~H$
AmYm ~H$
AmYm ~H$
9500000
100000000
50000000
50000000
30000000
5000000
9000000
9000000
9000000
9000000
9000000
30000000
20000000
50000000
30000000
4000000
9000000
9000000
9000000
9000000
40000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
40000000
80000000
50000000
100000000
O_m
YZam{e
6.50%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.60%
6.00%
6.00%
6.00%
6.00%
6.00%
6.75%
6.50%
6.50%
6.50%
6.50%
6.50%
6.25%
6.25%
6.50%
6.25%
6.25%
6.00%
6.00%
6.00%
6.00%
`mO H$m
{VeV
16-12-10
21-12-10
21-12-10
21-12-10
21-12-10
21-12-10
21-12-10
21-12-10
21-12-10
21-12-10
21-12-10
22-12-10
22-12-10
22-12-10
22-12-10
22-12-10
22-12-10
22-12-10
22-12-10
22-12-10
22-12-10
23-12-10
23-12-10
23-12-10
23-12-10
23-12-10
23-12-10
23-12-10
23-12-10
23-12-10
23-12-10
24-12-10
24-12-10
26-12-10
26-12-10
n[an$Vm
{V{W
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
Ad{Y

31-3-2010
106
101
101
101
101
101
101
101
101
101
101
100
100
100
100
100
100
100
100
100
100
99
99
99
99
99
99
99
99
99
99
98
98
96
96
H$mo eof {XZm|

{H$ g`m
183747
1698005
849003
849003
509402
84900
152820
152820
152820
152820
152820
504358
336239
840597
556040
67248
151307
151307
151307
151307
758662
162581
162581
162581
162581
162581
156182
156182
162581
156182
156182
659028
1318055
806973
1613945
Cn{OV `mO
naVw Xo` Zhr
Omar... gbH$ II
dm{fH$ [anmoQ>
235
2009-10
E\$S>rAma
g`m
128220100014356
50520100015072
52220100050862
860145110001129
860145110001128
133106400003599
133106400003605
133106400003612
133106400003629
133106400003636
423900GR00000067
62118539039
167922
52220100050905
134020100018741
123120100002704
50520100015142
860145110001131
31008096895
31008097254
3108096454
31008097436
31008095767
31008097877
31008097684
31008097991
31008105835
31008136342
31011624063
31011623592
151220100018097
151220100018060
5220100050978
50520100015151
39720100013676
ma{^H$
{V{W
29-12-09
29-12-09
29-12-09
29-12-09
29-12-09
29-12-09
29-12-09
29-12-09
29-12-09
29-12-09
29-12-09
29-12-09
29-12-09
30-12-09
30-12-09
30-12-09
30-12-09
30-12-09
30-12-09
30-12-09
30-12-09
30-12-09
30-12-09
30-12-09
30-12-09
30-12-09
30-12-09
30-12-09
30-12-09
30-12-09
31-12-09
31-12-09
31-12-09
31-12-09
31-12-09
~H$
AmYm ~H$
AmYm ~H$
AmYm ~H$
AmBS>r~rAmB ~H$
AmBS>r~rAmB ~H$
AmBS>r~rAmB ~H$
AmBS>r~rAmB ~H$
AmBS>r~rAmB ~H$
nOm~ ZoeZb ~H$
`yH$mo ~H$
AmYm ~H$
AmYm ~H$
AmYm ~H$
AmYm ~H$
AmYm ~H$
AmYm ~H$
AmYm ~H$
AmYm ~H$
AmYm ~H$
10000000
60000000
70000000
20000000
280000000
10000000
10000000
10000000
10000000
10000000
50000000
50000000
50000000
100000000
20000000
20000000
20000000
100000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
8000000
9000000
2000000
40000000
40000000
20000000
70000000
20000000
O_m
YZam{e
6.00%
6.00%
6.00%
6.00%
6.00%
6.50%
6.50%
6.50%
6.50%
6.50%
6.00%
6.00%
6
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
`mO H$m
{VeV
29-12-10
29-12-10
29-12-10
29-12-10
29-12-10
29-12-10
29-12-10
29-12-10
29-12-10
29-12-10
29-12-10
29-12-10
29-12-10
30-12-10
30-12-10
30-12-10
30-12-10
30-12-10
30-12-10
30-12-10
30-12-10
30-12-10
30-12-10
30-12-10
30-12-10
30-12-10
30-12-10
30-12-10
30-12-10
30-12-10
31-12-10
31-12-10
31-12-10
31-12-10
31-12-10
n[an$Vm
{V{W
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
Ad{Y

31-3-2010
93
93
93
93
93
93
93
93
93
93
93
93
93
92
92
92
92
92
92
92
92
92
92
92
92
92
92
92
92
92
91
91
91
91
91
H$mo eof {XZm|

{H$ g`m
156351
938106
1094457
312702
4377827
169697
169697
169697
169697
169697
781755
781755
781755
1546698
309340
309340
309340
1546698
139203
139203
139203
139203
139203
139203
139203
139203
139203
123736
139203
30934
611954
611954
305977
1070920
305977
Cn{OV `mO
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Omar... gbH$ II
dm{fH$ [anmoQ>
236
2009-10
E\$S>rAma
g`m
151220100018051
006551
860145110001134
133106400003674
133106400003667
133106400003650
133106400003643
971118
198187
348648
348647
971002
971003
1410501000073622/2
31008033459
31008034077
31008033936
31008033798
31008033595
31008021976
561697
167923
1787401002245/31
1787401002245/29
1787401002245/32
198206
198207
198208
53320100014453
52220100051418
50520100015249
151120100010235
134020100018875
860145110001142
860145110001140
ma{^H$
{V{W
31-12-09
31-12-09
31-12-09
31-12-09
31-12-09
31-12-09
31-12-09
31-12-09
31-12-09
31-12-09
31-12-09
31-12-09
31-12-09
31-12-09
31-12-09
31-12-09
31-12-09
31-12-09
31-12-09
31-12-09
31-12-09
31-12-09
2-01-10
2-01-10
2-01-10
2-01-10
2-01-10
2-01-10
4-01-10
4-01-10
4-01-10
4-01-10
4-01-10
4-01-10
4-01-10
~H$
AmYm ~H$
~H$ Am\$ ~amoS>m
AmBS>r~rAmB ~H$
AmBS>r~rAmB ~H$
AmBS>r~rAmB ~H$
AmBS>r~rAmB ~H$
B{S>`Z ~H$
B{S>`Z ~H$
B{S>`Z ~H$
B{S>`Z ~H$
B{S>`Z ~H$
B{S>`Z ~H$
H$$a do`m ~H$
`y{Z`Z ~H$ Am\$ B{S>`m
`yH$mo ~H$
Ho$Zam ~H$
Ho$Zam ~H$
Ho$Zam ~H$
B{S>`Z ~H$
B{S>`Z ~H$
B{S>`Z ~H$
AmYm ~H$
AmYm ~H$
AmYm ~H$
AmYm ~H$
AmYm ~H$
40000000
60000000
50000000
10000000
10000000
10000000
10000000
9500000
9500000
9500000
9500000
9500000
9500000
60000000
5000000
9000000
9000000
9000000
9000000
9000000
150000000
30000000
9500000
9500000
9500000
9500000
9500000
9500000
9500000
9500000
9500000
9500000
9500000
9500000
9500000
O_m
YZam{e
6.00%
6.00%
6.00%
6.50%
6.50%
6.50%
6.50%
6.25%
6.25%
6.25%
6.25%
6.25%
6.25%
6.85%
6.00%
6.00%
6.00%
6.00%
6.00%
6.00%
6.25%
6.00%
6.25%
6.25%
6.25%
6.25%
6.25%
6.25%
6.50%
6.50%
6.50%
6.50%
6.50%
6.50%
6.50%
`mO H$m
{VeV
31-12-10
31-12-10
31-12-10
31-12-10
31-12-10
31-12-10
31-12-10
31-12-10
3-01-11
31-12-10
31-12-10
31-12-10
31-12-10
31-12-10
31-12-10
31-12-10
31-12-10
31-12-10
31-12-10
31-12-10
31-12-10
31-12-10
2-01-11
4-01-11
3-01-11
2-01-11
5-01-11
8-01-11
4-01-11
4-01-11
4-01-11
4-01-11
4-01-11
4-01-11
4-01-11
n[an$Vm
{V{W
365
365
365
365
365
365
365
365
368
365
365
365
365
365
365
365
365
365
365
365
365
365
365
367
366
365
368
371
365
365
365
365
365
365
365
Ad{Y

31-3-2010
91
91
91
91
91
91
91
91
91
91
91
91
91
91
91
91
91
91
91
91
91
91
89
89
89
89
89
89
87
87
87
87
87
87
87
H$mo eof {XZm|

{H$ g`m
611954
917931
764943
166048
166048
166048
166048
151537
151585
151537
151537
151537
151537
1051308
76494
137690
137690
137690
137690
137690
2337329
458966
148206
148238
148222
148206
148254
148300
150812
150812
150812
150812
150812
150812
150812
Cn{OV `mO
naVw Xo` Zhr
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dm{fH$ [anmoQ>
237
2009-10
E\$S>rAma
g`m
860145110001141
860145110001143
860145110001144
198255
198254
198253
971156
971157
860145110001162
01293031007349
971246
971247
971252
607802
55843
50520100019315
50520100019324
468680
468681
971310
971311
971316
971317
52220100057494
434020100021523
123120100003174
50520100020047
18420100002616
107020100009789
860156110000110
133106400005005
133106400004992
133106400004985
133106400004978
133106400004961
133106400004954
133106400004947
133106400004930
ma{^H$
{V{W
4-01-10
4-01-10
4-01-10
15-01-10
15-01-10
15-01-10
15-01-10
15-01-10
5-02-10
5-02-10
2-03-10
2-03-10
5-03-10
5-03-10
5-03-10
15-03-10
15-03-10
15-03-10
15-03-10
30-03-10
30-03-10
30-03-10
30-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
~H$

B{S>`Z ~H$
B{S>`Z ~H$
B{S>`Z ~H$
B{S>`Z ~H$
B{S>`Z ~H$
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B{S>`Z ~H$
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B{S>`Z ~H$
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AmBS>r~rAmB ~H$
AmBS>r~rAmB ~H$
AmBS>r~rAmB ~H$
AmBS>r~rAmB ~H$
AmBS>r~rAmB ~H$
AmBS>r~rAmB ~H$
AmBS>r~rAmB ~H$
9500000
9500000
9500000
9000000
9000000
9000000
9000000
9000000
20000000
20000000
9000000
9000000
20000000
20000000
20000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
9000000
220000000
50000000
20000000
60000000
10000000
20000000
300000000
10000000
10000000
10000000
10000000
10000000
10000000
10000000
10000000
O_m
YZam{e
6.50%
6.50%
6.50%
6.25%
6.25%
6.25%
6.25%
6.25%
6.00%
6.00%
6.75%
6.75%
6.00%
6.00%
6.00%
6.50%
6.50%
6.50%
6.50%
6.75%
6.75%
6.75%
6.75%
6.80%
6.80%
6.80%
6.80%
6.80%
6.80%
6.75%
6.75%
6.75%
6.75%
6.75%
6.75%
6.75%
6.75%
6.75%
`mO H$m
{VeV
4-01-11
4-01-11
4-01-11
21-01-11
18-01-11
15-01-11
15-01-11
15-01-11
5-02-11
5-02-11
2-03-11
2-03-11
5-03-11
5-03-11
5-03-11
15-03-11
15-03-11
15-03-11
15-03-11
30-03-11
30-03-11
30-03-11
30-03-11
31-03-11
31-03-11
31-03-11
31-03-11
31-03-11
31-03-11
31-05-11
31-07-11
31-07-11
31-07-11
30-06-11
30-06-11
30-06-11
31-05-11
31-05-11
n[an$Vm
{V{W
365
365
365
371
368
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
426
487
487
487
456
456
456
426
426
Ad{Y

31-3-2010
87
87
87
76
76
76
76
76
55
55
30
30
27
27
27
17
17
17
17
2
2
2
2
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
H$mo eof {XZm|

{H$ g`m
150812
150812
150812
119973
119936
119897
119897
119897
184931
184931
51210
51210
90784
90784
90784
27918
27918
27918
27918
3414
3414
3414
3414
42043
8406
3822
11466
1911
3822
57246
1920
1920
1920
1914
1914
1914
1908
1908
Cn{OV `mO
naVw Xo` Zhr
Omar... gbH$ II
dm{fH$ [anmoQ>
238
2009-10
E\$S>rAma
g`m
133106400004923
133106400004916
133106400004909
133106400004893
133106400004886
133106400004879
133106400004862
348779
348775
348776
348777
348778
348780
971372
971371
1410557000000048/1
01293031007493
11113031010125
10813031024597
62128041872
62132616701
62132620581
62132620717
62132620795
62132620988
62132621030
62132621063
62132621121
62132621176
62132621201
62132621223
31122782513
30044580000010/2
921582
921583
0297121000022112/1
Total
ma{^H$
{V{W
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
31-03-10
~H$
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AmBS>r~rAmB ~H$
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10000000
10000000
10000000
10000000
10000000
10000000
10000000
9000000
9000000
9000000
9000000
9000000
5000000
20000000
30000000
100000000
40000000
50000000
20000000
100000000
9500000
9500000
9500000
9500000
9500000
9500000
9500000
9500000
9500000
9500000
5000000
100000000
100000000
10000000
30000000
60000000
6222900000
O_m
YZam{e
6.75%
6.75%
6.75%
6.75%
6.75%
6.75%
6.75%
6.75%
6.75%
6.75%
6.75%
6.75%
6.75%
6.00%
6.00%
7.35%
6.50%
6.50%
6.50%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
7.00%
6.00%
6.00%
6.00%
6.00%
7.50%
`mO H$m
{VeV
31-05-11
2-05-11
2-05-11
2-05-11
4-04-11
4-04-11
4-04-11
30-04-11
10-04-11
15-04-11
20-04-11
25-04-11
15-05-11
31-03-11
31-03-11
30-04-11
31-03-11
31-03-11
31-03-11
31-05-11
31-03-11
31-03-11
31-03-11
31-03-11
31-03-11
31-03-11
31-03-11
31-03-11
31-03-11
31-03-11
31-03-11
31-03-11
31-03-11
31-03-11
31-03-11
31-03-11
n[an$Vm
{V{W
426
397
397
397
369
369
369
395
375
380
385
390
410
365
365
395
365
365
365
426
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
365
Ad{Y

31-3-2010
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
H$mo eof {XZm|

{H$ g`m
1908
1903
1903
1903
1898
1898
1898
1713
1709
1710
1711
1712
782
3362
5044
20772
7299
9124
3649
19812
1870
1870
1870
1870
1870
1870
1870
1870
1870
1870
984
16812
16812
1681
5044
12680
117902040
Cn{OV `mO
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Omar... gbH$ II
dm{fH$ [anmoQ>
239
2009-10
dm{fH$ [anmoQ>
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n[aga Ho$ {bE
E_Q>rEZEb-A`
{dwV Ho$ {bE
BYZ Ho$ {bE
Ho$ {bE
`moJ
Q>m\$ H$mo F$U VWm A{J_
Q>m\$ H$mo Amdmgr F$U
Xygao `moOZm| Ho$ {bE Q>m\$ H$mo F$U
A` A{J_-`mhma
dgybr `mo` `mO
A{J_ - A`
A{J_ - A`
`moJ
~r_m H$n{`m| VWm Xygam| go Xò am{e`m
~r_m H$n{Z`m (am` ~r_m H$n{Z`m| go Xo` am{e`m h)
A{^H$Vm (nyd _| A{^H$mVmAm| go m hVo MH$ H$s am{e`m {XH$mVm h)
`moJ
A` dV_mZ n[agn{m`m
dgwbr `mo` ``
nydXm ``
Cn{OV `mO naVw Xo` Zht - ~H$ O_mE
dgybr `mo` am{e-A`
nyOr ImVm| na A{J_-(gmQ>doà {dH$mg Ho$ {bE)
nrE\$AmaS>rE H$mo A{J_
A`-`mm Ho$ {bE A{J_
`moJ
ZJX VWm ~H$ eof
hmW amoH$S>
hVo MH$
nmaJ_Z _| ZJX/MH$
AZwgy{MV ~H$m| _| eof
H$) Mmbw ImVo _|
I) O_m IVmo _|
J) ~MV ImVo _|
`moJ
Ja AZwgy{MV ~H$m| _| eof
H$) Mmbw ImVo _|
I) O_m ImVo _|
`moJ
dV_mZ dJ Ho$ {bE

AmH$S>o
{nN>bo dJ Ho$ {bE

AmH$S>o
(2009-10)
`
(2008-09)
`
66,674
350,375
7,650
1,008,900
1,433,599
47,825
68,663
282,099
7,650
314,300
720,537
42,561,444
9,108,965
557,568
7,642,795
3,636,387
232,100
63,739,259
41,607,168
7,605,368
485,787
5,092,307
350,000
55,140,630
69,100
37,400
106,500
117,902,040
657,738
204,120
24,215,293
405,117
143,384,308
1,672,460
124,000,652
525,308
204,120
25,888,906
1,681,305
207,435
154,180,186
52,622
63,723
-
34,702,549
21,987
34,724,536
6,546,312
23,237
6,569,550
(EZ lr{Zdmg amd)

_w` boIm A{YH$mar
(Or ^mH$am)
gX`
(Ama H$Z)
gX`
(Ho$.Ho$. lr{Zdmg)
gX`
(Ama Ho$ Zmà)

gX`
(Oo. h[a ZmamÙ)

A`j
240
dm{fH$ [anmoQ>
2009-10
gbH$ IV

31
{ddaU
dV_mZ df Ho$ {bE

AmS>Ho$
{nN>bo df Ho$ {bE

AmH$S>o
(2009-10)
`
(2008-09)
`
^maV gaH$ma go m AZwXmZ
`moJ
(EZ lr{Zdmg amd)

_w` boIm A{YH$mar
(Or ^mH$am)
gX`
(Ama H$Z)
gX`
(Ho$.Ho$. lr{Zdmg)
gX`
(Ama Ho$ Zmà)

gX`
(Oo. h[a ZmamÙ)

A`j
gbH$ V

31
A{ZpMV F$U
{ddaU
dV_mZ df Ho$ {bE

AmS>Ho$
{nN>bo df Ho$ {bE

AmH$S>o
(2009-10)
`
(2008-09)
`
(EZ lr{Zdmg amd)

_w` boIm A{YH$mar
(Or ^mH$am)
gX`
(Ama H$Z)
gX`
(Ho$.Ho$. lr{Zdmg)
gX`
(Ama Ho$ Zmà)

gX`
(Oo. h[a ZmamÙ)

A`j
241
dm{fH$ [anmoQ>
2009-10
gbH$ VI

31
_mM 2010 H$mo g_m hE df Ho$ {bE Am` VWm `` ImVo H$m {hgm VWm BgH$m gbH$
H$_Mm[a`m| H$mo ^wJVmZ VWm mdYmZ

{ddaU
dV_mZ df Ho$ {bE

AmH$S>o (`)
{nN>bo df Ho$ {bE

AmH$S>o (`)
(2009-10)
(2008-09)
76,043,374
56,400,308
^{d` {Z{Y Am{X _| AeXmZ

(A{Yd{fVm {Z{Y _| 75,66,633 AeXmZ)
7,546,796
15,140,822
iii)
CnXmZ
1,727,637
1,311,781
iv)
Q>m\$ H$`mU ``
1,030,305
844,523
v)
A`
-nwVH$ AZwXmZ
-Nw>Q>Q>r `mm [a`m`V
-~r_m
-Ho$Q>rZ ``
-Am{WH$ nwaH$ma-A``Z
-g_yh ~r_m `moOZm _| AeXmZ
-Q>m\$ Ho$ mam dhZ {H$E JE ``m| H$m ^wJVmZ
-AdH$me doVZ
54,010
1,734,115
176,552
6,700,487
3,654,485
9,292
877,422
1,113,019
5,900,881
1,579,143
98,667,761
83,177,191
i)
doVZ, ^mo _OXyar VWm ~moZg
ii)
Hw$b
(EZ lr{Zdmg amd)

_w` boIm A{YH$mar
(Or ^mH$am)
gX`
(Ama H$Z)
gX`
(Ho$.Ho$. lr{Zdmg)
gX`
(Ama Ho$ Zmà)

gX`
(Oo. h[a ZmamÙ)

A`j
242
dm{fH$ [anmoQ>
2009-10
gbH$ VII

31
WmnZ ``
{ddaU
dV_mZ df Ho$ {bE

AmH$S>o (`)
{nN>bo df Ho$ {bE

AmH$S>o (`)
(2009-10)
(2008-09)
^dZ VWm n[aga H$s _a_V VWm aIaImd

Jh `dWm - H$m`mb` aIaImd
CnH$aUm| H$s _a_V VWm aIaImd
_a_V VWm aIaImd - A`
{dwV VWm Ob ``
~r_m ``
Xa| VWm H$a
N>nmB VWm Q>oeZar
~wg/OZg Am{X
S>mH$, Vma, Q>o{b\$moZ, Am{X
`mm VWm n[adhZ AmV[aH$
n[adhZ - {dXoe
{d{YH$ VWm `mdgm{`H$ ewH$
{ejm/{ejU/emoY VWm A``Z/{eH$m`V g_mYmZ ``
Am{S>Q> ``
gmQ>doà
Mma VWm {dkmnZ
^Vu
m{YH$aU VWm gbmhH$ma g{_{V H$s ~R>H$ Ho$ `` VWm A` ~R>H$m|
Ho$ `` g{hV Ho$ gX`m| H$mo ^JwVmZ {H$E JE X{ZH$ ^mo
gX`Vm VWm MXm
gwajm godmE
do~ nmoQ>b {dH$mg ``
Ho$Q>rZ ``
H$ma _a_V VWm aIaImd ``
A` ``
1,397,111
2,779,731
918,621
2,030,700
184,280
2,049,629
57,878
6,633,694
19,344,859
11,694,304
7,959,351
248,532
186,399
5,496,003
1,260,472
862,393
1,530,274
99,968
1,734,923
46,691
3,942,770
18,982,234
14,811,718
11,434,143
392,410
285,000
-
1,154,875
689,838
3,528,475
150,364
484,032
1,660,124
1,553,269
714,097
2,036,025
111,004
149,679
Hw$b
61,492,673
67,103,197
(EZ lr{Zdmg amd)

_w` boIm A{YH$mar
(Or ^mH$am)
gX`
(Ama H$Z)
gX`
(Ho$.Ho$. lr{Zdmg)
gX`
(Ama Ho$ Zmà)

gX`
(Oo. h[a ZmamÙ)

A`j
243
dm{fH$ [anmoQ>
2009-10
gbH$ VIII

31
`mO
{ddaU
dV_mZ df Ho$ {bE

AmH$S>o (`)
{nN>bo df Ho$ {bE

AmH$S>o (`)
(2009-10)
(2008-09)
gaH$mar
~H$
A`
Hw$b
(EZ lr{Zdmg amd)

_w` boIm A{YH$mar
(Or ^mH$am)
gX`
(Ama H$Z)
gX`
(Ho$.Ho$. lr{Zdmg)
gX`
(Ama Ho$ Zmà)

gX`
(Oo. h[a ZmamÙ)

A`j
244
dm{fH$ [anmoQ>
2009-10
gbH$ IX
yeercee efJeefveeeceke Deewj efJekeeme eeefOekejCe Je<e& 2009-10 kes efueS efveefOe uesKee kes Jeeef<e&ke efJeJejCe kes efueS efHHeefCeeeB
(DeveLee efJeefMe He ceW efveefo& kes DeueeJee Deve meYeer jeefMeeeB HeeeW ceW neWieer)
1.
He=Yetefce
yeercee efJeefveeeceke Deewj efJekeeme eeefOekejCe kee ieve mebmeo eje Heeefjle keevetve yeercee efJeefveeeceke Deewj efJekeeme eeefOekejCe DeefOeefveece 1999 kes
Devegmeej efkeee ieee Deewj Fmekeer mLeeHevee 19 Deewue, 2000 kees Yeejle mejkeej ieefpe ceW peejer DeefOemetevee kes meeLe keer ieF&~ Fme eeefOekejCe kes ieve kee
cegKe GsMe yeercee HeeefuemeerOeejkeeW kes efnleeW keer j#ee kejvee nw, leeefke yeercee Geesie kes efJekeeme kees efveeefcele, eeslmeeefnle Deewj megefveefele efkeee pee mekes~
meeLe ner Gmemes mebyebefOele ceeceueeW kee efveHeeje efkeee pee mekes Deewj Deeeveke GYejves Jeeues mebkeeW kee meecevee efkeee pee mekes, DeeJesoke kees HebpeerkejCe
eceeCeHe$e peejer efkeee pee mekes, HebpeerkejCe kes veJeerveerkejCe, efveuebyeve DeLeJee jerkejCe keer eefeee megueYe yeveeF& pee mekes Deewj DeefOeefveece kes ue#eeW keer
Hetefle& kes efueS Meguke Deewj Deve Kee& keer Jemetueer keer pee mekes~ yeercee DeefOeefveece keer Oeeje 13 kes Devegmeej eeefOekejCe 19 Deewue, 2000 kes DeHeves mLeeHevee
efoJeme kes ceewpeto Debleefjce yeercee efJeefveeeceke keer mebHeefe Deewj oeefelJeeW kee DeefOekeejer nw~ DeefOeefveece keer Oeeje 16 kes lenle yeercee efJeefveeeceke Deewj efJekeeme
eeefOekejCe efveefOe kes veece mes efveefOe keer mLeeHevee keer pee mekeleer nw~ Fme efveefOe kes efueS meYeer mejkeejer DevegoeveeW leLee Jemetue efkees peeves Jeeues Meguke SJeb Deve
Kee& keer jeefMe kee GHeeesie kejves kee eeJeOeeve efkeee ieee nw~ eeefOekejCe eje efveefOe kee GHeeesie mejkeej eje eeHle nesves Jeeues Devegoeve SJeb Meguke leLee
Deve Kee& kes He ceW Jemetue keer peeves Jeeueer SJeb yeerceekelee&DeeW mes eeHle nesves Jeeues keceerMeve kes eefleMele kes DeeOeej Hej lee efkeee peelee nw~ Keeme leewj Hej
Fme efveefOe kee GHeeesie kece&eeefjeeW kes Jesleve leLee YeeeW kes Yegieleeve Deewj DeefOeefveece kes ue#eeW keer Hetefle& nsleg efkees peeves Jeeues keeeeX mes mebyebefOele KeeeX,
kece&eeefjeeW Deewj eeefOekejCe meomeeW, DeefOekeeefjeeW kes Heeefjeefceke kes Yegieleeve kes efueS efkeee peelee nw~
2.
cenlJeHetCe& uesKee veerefleeeW kee meejebMe

efJeeere efJeJejCe Keeme leewj Hej Ssefleneefmeke Meguke efJeMues<eCe kes DeeOeej Hej leweej efkeee peelee nw, pees efvecveefueefKele Heefle kes Devegmeej jepemJe Hetefle& kes
efueS efkees peeves Jeeues Debkes#eCe kes omleeJespeeW kes DeeOeej Hej neslee nw~ meeLe ner en Fbmeret Dee@He eex[ DekeeGbW Dee@He Fbef[ee eje efveOee&efjle ceevekeeW
kes Devegmeej neslee nw~ cenlJeHetCe& uesKee veerefleeeB efvecveefueefKele nQ :
(S)
efmLej mecHeefeeeB Deewj DeJecetueve

efmLej mecHeefeeeW kees Meguke jefnle Skeerke=le DeJecetueve kes DeeOeej Hej mHe efkeee peelee nw~ efmLej mecHeefeeeW kes DeJecetue kee efJeMues<eCe kebHeveer
DeefOeefveece 1956 kes HeefjefMe XIV ceW GuuesefKele Meguke keer DeeOeej Hej efveOee&efjle Meguke kes Devegmeej mecelegue Heefle kes GHeeesie ceW keceer ueekej efkeee
peelee nw~ 5,000 HeeeW mes kece cetue keer mebHeefeeeW keer Jeeef<e&ke Kejeroer ceW 100 eefleMele DeJecetueve efkeee peelee nw, DeveLee mebyebefOele KeC[ ceW mebHeefeeeB
10 eefleMele DeefOeke efoKeeF& osleer nw~ Ssmes ceeceueeW ceW HeefjefMe XIV ceW GuuesefKele Meguke kes Devegmeej ner mebHeefeeeW kee DeJecetueve efkeee peelee nw~
(yeer) efveJesMe :
yeQkeeW ceW efceeeoer pecee kes He ceW efveJesMe keer peeves Jeeueer jeefMe kee GuuesKe Meguke ceW efkeee ieee nw~
(meer) jepemJe :
(i)
HebpeerkejCe Meguke
(S)
efkemeer Yeer yeerceekelee& eje Yeejle ceW efkemeer Yeer ekeej yeercee JeJemeee keer esCeer ceW Henueer yeej HebpeerkejCe kes He ceW eeHle nesves Jeeueer jeefMe
Jeeef<e&ke Deee kes He ceW Meeefceue keer peeleer nw~
(yeer) Henues ner mJeerke=le HebpeerkejCe kes veJeerveerkejCe mebyebOeer yeerceekelee&DeeW eje eeHle nesves Jeeueer jeefMe KeC[ keer Jeeef<e&ke Deee kes He ceW
mJeerkeej keer peeleer nw~
245
dm{fH$ [anmoQ>
(ii)
2009-10
ueeFmeWme Meguke
yeercee DeefYekelee&DeeW, meJex#ekeeW, oueeueeW leLee yeercee #es$e kes Deve ceOemLeeW mes eeHle nesves Jeeueer ueeFmeWme Meguke keer jeefMe mebyebefOele KeC[ keer Jeeef<e&ke Deee
kes He ceW mJeerkeej keer peeleer nw~ yeercee DeefYekelee&DeeW, meJex#ekeeW, oueeueeW leLee yeercee ceOemLeeW kes veece peejer efkees peeves Jeeues ueeFmeWme Gmeer Je<e& kes efueS
nesles nQ, efpemeceW Jes peejer efkees peeles nQ Deewj Gvekeer Meguke DeJeefOe meceeHle nesves kes yeeo Gvekee efHej mes veJeerveerkejCe kejvee He[lee nw~ Gvekes mebyebefOele Je<eeX
ceW ueeFmeWme Meguke kee efJelejCe kejvee mebYeJe veneR nw~
(iii) Yeejle mejkeej kes efJee ceb$eeuee eje peejer efkeee peeves Jeeuee Devegoeve
eeHle nesves Jeeueer eeLeefceke Devegoeve jeefMe Gmeer Je<e& keer Deee kes He ceW mJeerkeej keer peeleer nw, efpemekes oewjeve Jen eeHle ngF& nw~
([er) efJeosMeer cege kee uesve-osve
efJeosMeer cege kee uesve-osve, uesve-osve keer efleefLe Hej ner efJeefvecee efveeb$eCe Meguke kes DeeOeej Hej ope& efkeee peelee nw~ efJeosMeer cege keer mebHeefe Deewj eesielee
kee Hees ceW HeeblejCe pecee Kee& efkeee peelee nw~ efmLej mebHeefe kes DeefOeenCe mes mebyebefOele efJeosMeer cege oeefelJeeW kes HeeblejCe kes oewjeve Deeves Jeeues Deblej
kees efmLej mebHeefe kes cetue kes DeeOeej Hej meceeeesefpele efkeee peelee nw~ Deve HeeblejCe mebyebOeer Deblej Deee Deewj Kee& mebyebOeer uesKee-peesKee ceW mHe nes peelee
nw~
F&)
mesJeeefveJe=efe ueeYe
kece&eeefjeeW keer YeefJe<e efveJee&n efveefOe, mesJeeefveJe=efe Hej efceueves Jeeueer Deefleefjkele jeefMe, DeJekeeMe Je=ef eeJeOeeve Deeefo kee efveeceve kes meeLe cesue yeercee
DeefOeefveece ceW efkeee ieee nw~
DeJekeeMe veieoerkejCe kee eeJeOeeve kegue Mes<e DeJekeeMe mebyebOeer veieo Jesleve kes Yegieleeve kes GsMe mes efkeee ieee nw~
eeefOekejCe meYeer DeeF&Deej[erS keefce&eeW SJeb DeeF&Deej[erS megHejSsvegSMeve Heb[ ^m kes efueS eesieoeve kejlee nw~
mesJeeefveJe=efe Hej Deefleefjkele jeefMe Yegieleeve keer eesielee eeefOekejCe eje leweej keer ieeer eweger eespevee kes lenle mebHetCe& cetueekeve Hej ner efveYe&j nesleer nw~
SHe) DeeF&DeeF&DeejSce Deewj SHeerDeeF&DeeF&meer kees efyevee yeepe Jeeuee $eCe/Deefece.

eeefOekejCe ves 31-3-2010 leke Yeejle ceW Fbmeret Dee@He FbMetjWme Deewj efjmke cewvespeceW (DeeF&DeeF&DeejSce) kees yeercee efMe#ee kes efJekeeme kes efueS
242.16 ueeKe Hees Deewj DeevOe-eosMe Fb[eqmêue Fveem^keej kee@HeexjsMeve (SHeerDeeF&DeeF&meer) kees Gmekes Dee@efHeme YeJeve kes efvecee&Ce kes efueS 200
ueeKe Hees leke efyevee yeepe kee $eCe/Deefece efoee nw~
peer)
yeQke Dee@He Fbef[ee (Keelee meb. meer[er 1938 Deewj Keelee mebKee meer[er-119) kes Heeme eejbefYeke Mes<e Deueie jKee ieee~
3)
Deeekej
eeefOekejCe keer Deee kees Deeekej DeefOeefveece 1961 keer meb. 10 (23yeeryeerF&) Oeeje kes lenle kej cegkele Ieesef<ele efkees peeves kes keejCe Deeekej kee keesF&
eeJeOeeve veneR efkeee ieee nw~
4)
HebpeerkejCe/veJeerveerkejCe Meguke
S)
yeerceekelee&DeeW kes HebpeerkejCe kee veJeerveerkejCe kejves mebyebOeer Meguke efjeeele ceW kegue eerefceece kes 2 eefleMele kes yepeee Ske eefleMele leke keewleer kejves
mebyebOeer efuees iees efveCe&e kes cesvepej Jeeef<e&ke Deee kee Debkes#eCe efkeee pee jne nw~ en efveCe&e 1 Deewue, 2001 mes eYeeJeer ceevee ieee nw~
246
dm{fH$ [anmoQ>
2009-10
5) Yeejle kes ueeske uesKee ceW eeefOekejCe keer efveefOeeeW kee efveJesMe
eeefOekejCe kees 17 pegueeF&, 2002, 9 pegueeF&, 2005, 18 pegueeF& leLee 13 efmelecyej, 2006 leLee 28 peveJejer, 2008 kees efJee ceb$eeuee mes eeHle ngS
He$eeW kes Devegmeej, efpemeceW eeefOekejCe kees Jemetueer ieF& jeefMe iewj-yeepeOeejer Keeles kes leewj Hej ueeske Keeles ceW pecee kejves kee efveoxMe efoee ieee nw~ meeLe ner
eeefOekejCe kees en Yeer yeleeee ieee nw efke Jen DeHeves KeeeX keer Hetefle& kes efueS eleske efJee Je<e& kes eejbYe ceW efveOee&efjle jeefMe keer efvekeemeer kejs~ eeefOekejCe
ves JewOeeefveke efkeesCe mes efJeeej kejves kes efueS Fme efveoxMe kees mJeerkeej kej efueee~ Gmekes vepeefjes mes yeerceekelee&DeeW leLee ceOemLeeW mes Jemetueer ieF& jeefMe
mejkeejer jeefMe kes He ceW veneR nw Deewj ve ner Jen Yeejle mejkeej keer meeJe&peefveke efveefOe kee efnmmee nw~
6)
eeefOekejCe kee cegKeeuee

eeefOekejCe kes cegKeeuee veF& efouueer mes nwojeyeeo kees mLeeveebleefjle kejves mebyebOeer Yeejle mejkeej eje veJecyej 2001 ceW efuees iees efveCe&e kes cesvepej
eeefOekejCe kes cetue efveOee&jCe efJeYeeie kee mLeeveeblejCe Deewue, 2002 ceW, Deve efJeYeeieeW kee mLeeveeblejCe Deiemle, 2002 leLee meJex#eCe efJeYeeie kee
mLeeveeblejCe Dekeletyej, 2005 ceW efkeee pee egkee nw~ eeefOekejCe kee keeee&uee Heefjece YeJeve ceW efmLele nw, efpemekeer leermejer cebefpeue Deewj HeeBeJeeR cebefpeue kee
Ske efnmmee DeevOe eosMe Deeweesefieke efJekeeme efveiece efueefces[ (SHeerDeeF&[ermeer) eje eeefOekejCe kees efkejees Hej efoee ieee nw~
DeevOe eosMe mejkeej ves Yeer DeevOe eosMe Deeweesefieke mebjevee efveiece efueefces[ (SHeerDeeF&DeeF&meer) kes ceeOece mes nwojeyeeo kes meceerHe ner jbieejser efpeues kes
MesjerefuebieceHeuueer ceb[ue efmLele veevekejeceieg[e #es$e ceW eeefOekejCe kes cegKeeueeeW kes efvecee&Ce kes efueS 5 Ske[ Yetefce cee$e 10,000 Hees ceW cegnwee kejJeeF&
nw~ Yetefce kee mLeeveeblejCe eeefOekejCe kes veece mes Dekeletyej, 2008 ceW efkeee ieee~
7)
Heefjeeueve Hes
iewj j kejCe eesie efkemeer Yeer ekeej kes Hes mecePeewles veneR nw~ Hee Yegieleeve Deee-Jee Keeles ceW efveoxefMele jeefMe kes Devegmeej~
8)
efHeues efJee Je<e& kee legueveelceke efJeJejCe

efHeues Je<e& kes DeeBke[s Hegve:meceeeesefpele efkees iees nQ Deewj peye keYeer DeeJeMekelee nesieer, Gvekee GHeeesie Jele&ceeve efJee Je<e& kes DeeBke[eW kes meeLe leguevee kes
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ANNUAL REPORT 2009-10

INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY

ANNUAL REPORT 2009-10

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

Zd~a 24, 2010

(Oo h[a Zmam`U)

November 24, 2010

(J. HARI NARAYAN)

Parishram Bhavan, 3rd Floor, Basheer Bagh, Hyderabad-500 004. INDIA.

ANNUAL REPORT 2009-10

General Economic Environment

Regulation of Insurance and Reinsurance Companies

Intermediaries associated with the Insurance Business

Litigations, Appeals and Court Pronouncements

International Cooperation in Insurance

Insurance Association and Insurance Councils

ANNUAL REPORT 2009-10

Issue to the applicant a certificate of registration, renew,

Protection of the interests of policyholders in matters concerning assigning

Specifying requisite qualifications, code of conduct and practical

Specifying the code of conduct for surveyors and loss assessors

Promoting efficiency in the conduct of insurance business

Promoting and regulating professional organisations

Calling for information from, undertaking inspection of,

Control and regulation of rates, advantages, terms and conditions that

Specifying the form and manner in which books of accounts shall be

Regulating investment of funds by insurance companies

Regulating maintenance of margin of solvency

Adjudication of disputes between Insurers and Intermediaries or Insurance Intermediaries

Supervising the functioning of the Tariff Advisory Committee (TAC)

Specifying the percentage of the premium income of the insurer to

Specifying the percentage of life insurance business and general

Exercising such other powers as may be prescribed

ANNUAL REPORT 2009-10

Profitability of Life and Non-Life Insurers

ANNUAL REPORT 2009-10

Net Incurred Claims : Non-Life Insurers

ANNUAL REPORT 2009-10

ANNUAL REPORT 2009-10

Underwriting Experience and Profits of Public Sector Companies

ANNUAL REPORT 2009-10

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

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

ANNUAL REPORT 2009-10

ANNUAL REPORT 2009-10

PART TIME MEMBERS

(from 6th February, 2010)

Uttam Prakash Agarwal

(upto 4th October, 2009)

(upto 5th February, 2010)

ANNUAL REPORT 2009-10

Dr. D.V.S. Sastry

ANNUAL REPORT 2009-10

Dr. Mamta Suri

Randip Singh Jagpal

Yegna Priya Bharath

ANNUAL REPORT 2009-10

ANNUAL REPORT 2009-10

INFORMATION TECHNOLOGY DEPARTMENT

INSURANCE INFORMATION BUREAU

ANNUAL REPORT 2009-10

RESEARCH AND DEVELOPMENT DEPARTMENT

NON LIFE DEPARTMENT