Bilangual Annual Report

dm{fH$ [anmoQ>
2010-11
dm{fH$ [anmoQ>
ANNUAL REPORT
2010-11
~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU

^maV
INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY
INDIA
{Xr H$m`mb`:
W_ Vb, OrdZ Vmam,
ggX _mJ, ZB {Xr-110 001
\$moZ: +91-11-23747648
\$g: +91-11-23747650
YmZ H$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, 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/do~gmBQ>: www.irda.gov.in
E-mail/B-_ob: irda@irda.gov.in
i
dm{fH$ [anmoQ>
2010-11
dm{fH$ [anmoQ>
ANNUAL REPORT
2010-11

^maV
INDIA
{Xr H$m`mb`:
W_ Vb, OrdZ Vmam,
ggX _mJ, ZB {Xr-110 001
\$moZ: +91-11-23747648
\$g: +91-11-23747650
YmZ H$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
INDIA
Phone : +91-40-2338 1100 / 1300
Fax : +91-40-6682 3334
Delhi Office
New Delhi 110 001
INDIA
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
BLANK
dm{fH$ [anmoQ>
2010-11

INSURANCE REGULATORY AND
DEVELOPMENT AUTHORITY
nmaJ_Z n
g{Md,
Am{WH$ H$m` {d^mJ, {dm _mb`
Vrgam Vb, OrdZXrn {~pS>J,
ggX _mJ,
Z`r {Xbr-110 001
24 Zd~a, 2011
lr_mZ,
h_ ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$maU A{Y{Z`_, 1999 H$s Ymam 20 Ho$ Cn~Ym| Ho$ AZwgma, 31 _mM 2011 H$mo g_m hò df Ho$
{bò m{YH$aU H$s dm{fH$ [anmoQ> H$s EH$ {V, A{Ygy{MV ~r.{d.{d.m. (dm{fH$ [anmoQ> {dda{U`m|, {ddaUm| Ama A` {d{e>`m| H$mo VwV
{H$`m OmZm) {d{Z`_, 2000 Ho$ {d{hV m$n _| ôO aho h &
^dXr`,
(Oo h[a ZmamÙ)

LETTER OF TRANSMITTAL
24th November, 2011
To
The Secretary,
Department of Financial Services
Ministry of Finance
3rd Floor, Jeevan Deep Building
Parliament Street
New Delhi 110 001
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, 2011 in the format prescribed in the IRDA (Annual Report Furnishing of returns, statements
and other particulars) Rules, 2000.
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
BLANK
dm{fH$ [anmoQ>
2010-11
{df` gyMr
b` H$WZ
~r.{d.{d.m. H$m Xb
n[a`
..
...
...
...
9
9
13
...
...
...
...
...
...
...
...
...
...
...
...
...
37
39
40
42
45
47
50
51
53
53
54
60
60
...
...
...
...
...
...
...
61
62
67
70
71
73
76
^mJ-I
Zr{V`m Ed H$m`H$_
I.1
I.2
I.3
I.4
gm_m` Am{WH$ dmVmdaU

dpdH$ ~r_m n[a`
^maVr` ~r_m ~mOma H$m {ZYmaU
nwZarjU
I.4.1
~r_mYmaH$m| Ho$ {hVm| H$s ajm
I.4.2
~r_mH$mVmAm| Ho$ gnVm bm^ H$m AZwajU
I.4.3
nwZ~r_m H$s {ZJamZr
I.4.4
~r_m nyb
I.4.5
~r_mH$VmAm| Ho$ {Zdoe H$s XoI^mb
I.4.6
dm` ~r_m
I.4.7
Jm_rU Ed gm_m{OH$ jom| _| `mnma
I.4.8
{d{m` [anmo{Q>J Ed ~r_m{H$H$ _mZH$
I.4.9
YZ{damoYr J{V{d{Y`m/AmVH$dmX H$mo {dm nhMmZo H$m IS>Z H$aZm
I.4.10 \$gb ~r_m
I.4.11 gy_ ~r_m
I.4.12 m{YH$aU mam Omar {ZX}e, AmXoe Ed {d{Z`_Z
I.4.13 gyMZm H$m A{YH$ma A{Y{Z`_
^mJ-II
H$m`m] Ama n[aMmbZm| H$s g_rjm
II.1
II.2
II.3
II.4
II.5
II.6
II.7
~r_m Ama nwZ~r_m H$n{Z`m| Ho$ {bò {d{Z`_Z

~r_m `dgm` go OwS>o _`W
noMrXm _m_bo, `m{MH$m Xmà H$aZm Ama `m`mb` _| AnZo {eH$m`V H$mo `$ H$aZm
~r_m _| AVam>r` ghm`Vm Ama ghH$m[aVm
bmoH$ {eH$m`V|
~r_m g{_{V d ~r_m n[afX
bmoH$nmbm| H$s H$m` Umbr
iii
dm{fH$ [anmoQ>
2010-11
^mJ-III
m{YH$aU Ho$ dYm{ZH$ Ed {dH$mgerb H$m`
III.1
AmdoXH$ H$mo nOrH$aU, ZdrZrH$aU, ~Xbmd, dmngr, {Zb~Z, {ZaVrH$aU Am{X AmdoXZ
Omar H$aZo go g~{YV
...
77
III.2
[Z{X> nm{bgr, nm{bgrYmaH$ mam Zm_mH$Z, ~r{_V `mO, Xmdo H$m {ZnQ>mam, ga|S>a H$aVo d$ nm{bgr
H$m _y` VWm ~r_m AZw~Y go OwS>r hB eV]
...
78
III.3
~r_m _`Wm| Ama A{^H$VmAm| Ho$ {bE Ano{jV ej{UH$ `mo`Vm, AmMma g{hVm VWm m`mo{JH$
{ejU Ho$ {bE eV]
...
78
III.4
hm{Z {ZYmaH$m| Ama gd}jH$m| Ho$ {bò {ZYm[aV AMma g{hVm
...
79
III.5
~r_m `dgm` H$aVo hEo XjVm H$mo ~T>mZm
...
80
III.6
~r_m Ama nwZ~u_m `dgm` go OwS>o hE gJR>Zm| H$mo {d{Z`{_V H$aZm Ama ~T>mdm XoZm
...
80
III.7
A{Y{Z`_ Ho$ {bE br JB \$sg Ama A` Vah Ho$ ewH$
...
80
III.8
~r_m `dgm` go OwS>o ~r_mXmVm, _`W, ~r_m _`W VWm A` gJR>Zm| go OwS>r gyMZmE,
{ZarjU, nyN>VmN> Ama OmM Am{S>Q> Ho$ gmW
...
80
III.9
gm_m` ~r_m H$mamo~ma Ho$ AVJV ~r_mH$Vm mam CnbY H$amB JB Xa, bm^, {Z`_ Ama
eV] ~r_m A{Y{Z`_ 1938 (4/1938) Ho$ AZwN>oX 64 `y Ho$ AVJV ewH$ gbmhH$ma
g{_{V mam {Z`{ d {d{Z`{_V Zht
...
81
III.10
boIm OmoIm H$s {H$Vm~o Ama CZH$m {ZdhU Ama boIm OmoIm Ho$ {H$Vm~o ~r_m H$n{Z`m| Ama
A` ~r_m _`Vm| go Am`mo{OV boIm OmoIm CZH$m {ZdhU {H$g H$ma go Am`mo{OV {H$`m
J`m h CZH$m n>rH$aU _mJm J`m h
...
81
III.11
~r_m H$n{Z`m| mam {Z{Y`m| Ho$ {Zdoe H$mo {d{Z`{_V H$aZm
...
82
III.12
~r_m F$UemoYZ j_Vm Ho$ aIaImd H$m {d{Z`_Z
...
82
III.13
~r_mH$VmAm| Ama _`Wm| AWdm ~r_m _`Wm| Ho$ ~rM {ddmXm| _| `m` {ZU`Z
...
83
III.14
mewH$ g_mhH$ma g{_{V (Q>rEgr) H$m AYrjU
...
83
III.15
`dgm` gJR>Z H$mo bmO-(6) Ho$ {Z`_m| H$m nmbZ H$aVo hE ~r_m H$nZr Ho$ r{_`_
Am` Ho$ {H$VZm {VeV h BgH$m n>rH$aU Zht {H$`m h Ama Cnamo$ Am{WH$ `moOZ
`moOZmAm| H$mo bmJy H$aHo$ CZH$mo nXmo{V XoZo Ho$ {bE Ama `dgm{gH$ gJR>Z Ho$ {Z`_m| H$mo
bmO 6 _| Vm{dV {H$`m h
...
84
III.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$mo XemZm
...
84
III.17
Hw$N> A` e{$`m| H$m `moJ `{X {ZYm[aV H$s JB h&
...
85
iv
dm{fH$ [anmoQ>
2010-11
^mJ-IV
gJR>Z go OwS>o _m_bo
IV.1
IV.2
IV.3
IV.4
IV.5
IV.6
IV.7
IV.8
IV.9
gJR>Z
m{YH$aU H$s ~R>H|$
_mZd ggmYZ
amO^mfm H$mo mogmhZ
AZwgYmZ Ama {dH$mg
~r.{d.{d.m. _| gyMZm mmo{JH$s H$s pW{V
boIm
~r.{d.{d.m. n{H$m
Am^ma XeZ
..
..
..
..
..
..
..
..
..
87
87
87
87
87
88
90
90
90
..
..
..
..
..
..
20
30
35
38
52
57
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
10
12
13
14
15
16
16
17
17
17
18
18
19
23
24
25
26
27
27
28
28
28
29
29
29
30
30
33
33
33
~mg _X|
1.
2.
3.
4.
5.
6.
OrdZ ~r_m jo _| Xmdm| H$m {ZnQ>mZ

Ja-OrdZ ~r_m jo _| Xmodm| H$m {ZnQ>mZ
dm` ~r_m gwdmVm (nmoQ>}{~{bQ>r)
EH$sH$V {eH$m`V ~YZ Umbr (AmBOrE_Eg)
Am{WH$ nyOr
gy_ ~r_m - {nN>bo H$m` {ZnmXZ H$s g_rjm Ama ^{d` H$s naoIm
{df` gmaUr
I.1
I.2
I.3
I.4
I.5
I.6
I.7
I.8
I.9
I.10
I.11
I.12
I.13
I.14
I.15
I.16
I.17
I.18
I.19
I.20
I.21
I.22
I.23
I.24
I.25
I.26
I.27
I.28
I.29
I.30
df 2010 Ho$ XmamZ r{_`_ _| dmV{dH$ {dH$mg

^maV _| ~r_m doe Ama YZd
^maV _| nOrH$V ~r_mH$Vm (30 {gV~a, 2011 VH$)
OrdZ ~r_mH$VmAm| mam m r{_`_
OrdZ ~r_m H$m ~mOma Ae
Omar nm{bgr`m| H$s g`m: OrdZ ~r_mH$Vm
Xm nyOr: OrdZ ~r_mH$Vm
H$_reZ ``: OrdZ ~r_mH$Vm
H$_reZ `` AZwnmV: OrdZ ~r_mH$Vm
n[aMmbZ ``: OrdZ ~r_mH$Vm
m`moOH$ `` H$m AZwnmV : OrdZ ~r_mH$Vm
`{$JV _`w Xmdm: OrdZ ~r_mH$Vm
gm_y{hH$ _`w Xmdm: OrdZ ~r_mH$Vm
OrdZ ~r_m H$m`mb`m| H$m g`m
OrdZ ~r_mH$VmAm| Ho$ H$m`mb`m| H$m {ddaU (31 _mM 2011 VH$)
^maV _| Hw$b gH$b r{_`_ Am`: JaOrdZ ~r_mH$Vm
^maV _| Hw$b gH$b r{_`_ Am`
(^maV _|) Ja OrdZ ~r_mH$VmAm| mam m H$s JB dJmZwgma r{_`_
Hw$b r{_`_ _| ^maV go ~mha Ho$ r{_`_ H$m AZwnmV
^maV Ho$ ~mha hE `dgm` go m gH$b `j r{_`_
ZB Omar nm{bgr`m : Ja OrdZ ~r_mH$Vm
Xm nyOr - Ja OrdZ ~r_mH$Vm VWm nwZ~u_mH$Vm (31 _mM VH$)
~r_m H$aZo _| hm{Z-Ja OrdZ ~r_mH$Vm
H$_reZ ``: Ja OrdZ ~r_mH$Vm
gMmbZ ``: Ja OrdZ ~r_mH$VmAm| H$m
dhZ {H$`m J`m Hw$b Xmdm: Ja OrdZ ~r_mH$Vm
dhZ {H$ò Jò Xmdm| H$m AZwnmV (dJmZwgma)
{Zdoe Am`: Ja OrdZ ~r_m H$nZr
ew bm^/hm{Z: Ja OrdZ ~r_mH$VmAm| H$mo
Xm bm^me: Ja OrdZ ~r_mH$Vm
v
dm{fH$ [anmoQ>
I.31
I.32
I.33
I.34
I.35
I.36
I.37
I.38
I.39
I.40
I.41
I.42
I.43
I.44
I.45
I.46
I.47
I.48
I.49
I.50
I.51
I.52
I.53
I.54
II.1
II.2
II.3
II.4
II.5
II.6
II.7
II.8
II.9
II.10
II.11
II.12
II.13
II.14
III.1
2010-11
Ja OrdZ ~r_m H$m`mb`m| H$s g`m

^maVr` `dgm` H$m ew r{_`_ grYm gH$b r{_`_ H$m {VeV (OrAmBgr H$mo N>moS>H$a)
^maV _| gH$b `j r{_`_ Ho$ AVJV nwZ~u_m _o ^maV Ho$ AXa Ama ^maV Ho$ ~mha
^maVr` `dgm` na ^maV go ~mha A{nV nwZ~u_m
gX` H$n{Z`m| H$m {hgm ^maVr` jo {ZH$m` _|
AmVH$dmXr Omo{I_ ~r_m Ho$ {bò r{_`_ H$s Xa (1 Ab 2010)
_moQ>a ~r_m VVr` njH$ma Xmdo
nwb gX`m| H$m ~mOma -{hgm
~r_m jo mam {H$`m J`m {d{Zdoe (31 _mM 2011 VH$)
OrdZ ~r_m jo mam {H$`m J`m {d{Zdoe: {Z`_mZwgma (31 _mM 2011 VH$)
OrdZ ~r_m jo mam {H$`m J`m {d{Zdoe: {Z{Y AZwgma (31 _mM 2011 VH$)
{d[Zdoe H$m {dH$mg : {Z{Y AZwgma (31 _mM 2011 VH$)
JaOrdZ ~r_m jo mam {H$`m J`m {d{Zdoe: {Z{Y AZwgma (31 _mM 2011 VH$)
d` ~r_m r{_`_ - 2006-2011
Q>rnrEo bmBg|g H$m ZdrZrH$aU 2010-11
Q>rnrEo gaMZm (2010-11)
VVr` nj emgH$ - Xmdm AmH$S>o
gy_ ~r_m nmoQ>\$mo{b`m| Ho$ VhV df 2010-11 Ho$ {bò Z`m `mnma
OrdZ ~r_m H$n{Z`m| Ho$ gy_ ~r_m A{^H$Vm
gy_ ~r_m nmoQ>\$mo{b`mo-2010-11 `{$`m| H$s _` H$m Xmdm
gy_ ~r_m nmoQ>\$mo{b`mo-2010-11 Ho$ AVJV gm_y{hH$ _`w Xmdo
gy_ ~r_m `{$JV loUr-2010-11 _| _`w Ho$ Xmdm| H$m g_` AZwgma {ZQ>mam
AdYr AZwgma gy_ ~r_m _| _`w Xmdm| H$m {ZQ>mam - Jwn dJ 2010-11
grnrAmBAmo A{Ym[a`m| H$s gyMr
OrdZ ~r_m go OwS>o `{$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~ 2010-11
OrdZ ~r_mH$VmAm| mam `{$JV Ed g_yh loUr _| Zò `dgm`m| _| {H$`m J`m nXeZ lIbm~ 2010-11
gd}jH$ 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 - Ja OrdZ ~r_mH$Vm - 2010-11 _|
2010-11 df _| bmoH$nmb mam \$gbm {H$ JB {eH$m`Vm| H$m {ddaU
m{YH$aU mam bJm`m J`m Am{WH$ XS>
MmQ>m] H$s gyMr
I.1
M`{ZV Xoem| _| ~r_m KZd-2010
I.2
M`{ZV Xoem| _| ~r_m AV: doeZ-2010
I.3
^maV _| ~r_m KZd
I.4
^maV _| ~r_m AV: doeZ
I.5
OrdZ ~r_mH$VmAm| mam Omo{I_ A{H$V r{_`_
I.6
b{~V Xmdm| H$m Ad{YH$ma {d^mOZ-`{$JV nm{b{g`m
I.7
b{~V Xmdm| H$m Ad{Ydma {d^mOZ - gm_y{hH$ nm{b[g`m
I.8
OrdZ ~r_m H$m`mb`m| H$s g`m
I.9
OrdZ ~r_m H$m`mb`m| H$m ^mJmo{bH$ {dVaU
I.10 Ja OrdZ ~r_mH$VmAm| H$s gH$b grYr r{_`_
vi
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
33
40
41
41
42
43
44
45
45
46
46
47
47
48
49
49
50
55
55
56
56
56
60
62
63
63
64
65
66
67
67
67
71
71
72
73
76
77
..
..
..
..
..
..
..
..
..
..
10
11
12
13
15
19
22
24
24
25
55
dm{fH$ [anmoQ>
2010-11
I.11
I.12
II.1
II.2
II.3
KQ>H$dma Ja OrdZ ~r_m r{_`_

Ja-OrdZ ~r_m H$m`mb`m| H$s g`m
OrdZ ~r_mH$VmAm| H$m `{$JV Z`m H$mamo~ma r{_`-MZbdma
OrdZ ~r_mH$VmAm| H$m gm_y{hH$ Z`m H$mamo~ma r{_`_ - MbZ dma
OrdZ ~r_mH$VmAm| H$m Z`m H$mao~ma r{_`_ (`{$JV Ama gm_y{hH$)
..
..
..
..
..
27
34
64
65
66
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.
{ddaUm| H$s gyMr

~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 g_yh `mnma {ZnmXZ - MZb Ho$ AZwgma
am`mZwgma `{$JV Z`m `mnma boImH$Z
am`mZwgma ~r_m boIZ {H$`m J`m Jwn Z`m `mnma
`{$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$m emoYZ j_Vm AZwnmV
OrdZ ~r_mH$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$b `j r{_`_ Am` (^maV _|)
{d^mOZ AZwgma ew r{_`_ Am` (A{OV)
hW B`moa|g r{_`_ Ed H$dS> `{$`m| H$s g`m - 2010-11
Ja OrdZ ~r_mH$mVAm| H$s MZb AZwgma gH$b `j r{_`_ Am`
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
..
93
94
95
96
97
99
101
104
108
109
110
112
113
115
117
118
119
122
123
124
127
130
133
134
135
136
137
138
139
140
141
142
143
145
147
148
149
150
151
152
153
154
156
vii
dm{fH$ [anmoQ>
2010-11
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.
72.
73.
74.
75.
76.
77.
78.
am`mZwgma gH$b ` r{_`_ Am`

..
Ja OrdZ ~r_mH$VmAm| Ho$ ew {VYmaU
..
`` {H$`m hAm Xmdm AZwnmV - gmdO{ZH$ jo Ja OrdZ ~r_mH$Vm
..
`` {H$`m hAm Xmdm AZwnmV - {Z{O jo Ja OrdZ ~r_mH$Vm
..
Xmdm ^wJVmZ Ed CnJV Xmdm| H$m AZwnmV : dm` ~r_m
..
~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
..
^maVr` gmYmaU ~r_m {ZJ_ - AeYmaH$ ImVm
..
^maVr` gmYmaU ~r_m {ZJ_ - VwbZ - n
..
Ja OrdZ ~r_mH$VmAm| Ho$ am`mZwgma H$m`mb`
..
Vrgam nj emgH$ - Xmdm| H$m S>mQ>m
..
{eH$m`Vo: OrdZ ~r_m
..
{eH$m`Vo - Ja OrdZ ~r_mH$Vm
..
{d{^ Ho$m| na ~r_m bmoH$nmb H$m H$m` Va 31 _mM 2011 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 2011 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 2011 H$s g_m{ VH$ {eH$m`V H$m {ZQ>mam
..
(OrdZ ~r_m Ed Ja OrdZ ~r_m g`w$)
157
158
159
160
161
162
163
165
166
167
168
170
171
172
177
179
181
182
183
184
185
186
187
188
189
190
191
192
193
195
197
198
199
200
201
1.
2.
3.
4.
5.
6.
7.
8.
^maV _| H$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 2010-11 _| {ZH$mbo Jò OrdZ ~r_m CnmX
{dm df 2010-11 _| {ZH$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 2010 go m{YH$aU mam Omar {H$ò Jò n[an/AmXoe/A{YgyMZmE|
..
..
..
..
..
..
..
..
..
205
207
208
209
210
216
219
220
221
9.
AmBAmaS>rE A{Y{Z`_, 1999 Ho$ AYrZ ~Zmò Jò {d{Z`_Z
...
226
gbH$mo H$s gyMr
viii
dm{fH$ [anmoQ>
2010-11
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
BLANK
dm{fH$ [anmoQ>
2010-11
AmBAmaS>rE H$m Xb
Oo h[a ZmamÙ
A`j
gX`
Or ^mH$am
Ho$ Ho$ lr{ZdmgZ
S>m Ama H$Z
(4 {gV~a 2010 VH$)
(1 OyZ 2011 VH$)
Ama Ho$ Zmà
E_ am_mgmX
(11 Ay$~a 2010 go)
dm{fH$ [anmoQ>
2010-11
PART TIME MEMBERS
{dO` _hmOZ
A_aOrV MmonS>m
(6 Aw$~a 2010 VH$)
(5 \$adar 2011 VH$)
Eb E_ dmg
Bbm Ama ^>
(17 AJV 2011 VH$)
m`mnH$ dr Ho$ Jwm

(7 Ay$~a> 2010 go)
Or am_mdm_r
Aa{dX Hw$_ma
(6 \$adar 2011 go)
(18 AJV> 2011 go)
xi
dm{fH$ [anmoQ>
2010-11
~moY MXa
Ho$ gw~h_`_
H$m`H$mar {ZXoeH$ (Ja-OrdZ)

(15 Zd~a 2010 VH$)
H$m`H$mar {ZXoeH$ ({~_mH$Z)

(30 OwZ 2011 VH$)
E {J[aYa
S>m S>r dr Eg emr
H$m`H$mar {ZXoeH$ (emgZ)
_hm {ZXoeH$ (emoY Ed {dH$mg)

(31 OwbmB 2010 VH$)
Hw$ob o_
lram_ Va{ZH$m{V
EZ lr{Zdmg amd
gr Eg Amo (OrdZ)
{dmr` nam_eXmVm
(24 AJV> 2011 go)
E\$E Ed grEAmo
(3 _B 2011 VH$)
xii
dm{fH$ [anmoQ>
2010-11
d[a> g`w$ {ZXoeH$
gwaoe _mWwa
E_ nwm amd
g`w$ {ZXoeH$
S>m __Vm gyar
aUXrn qgh OJnmb
_wHo$e e_m
Oo _rZm Hw$_mar
xiii
dm{fH$ [anmoQ>
2010-11
g`w$ {ZXoeH$
Eg EZ O`qgZ
`{`m âV
E Ama {Z`mZX_
amHo$e Ho$ ~OmO
E H$UZ
Eg Ho$ OZ
a_U amd E
dr O`V Hw$_ma
Q>r Eg Zm`H$
xiv
dm{fH$ [anmoQ>
2010-11
H$_Mmar H$m Zm_
nX
boIm {d^mJ
amO Hw$_ma e_m

_hoe AJdmb
`m_ gwXa _whmHw$S>
nr. _Ow_Xma
gZrWm Ho$ E
Cn {ZXoeH$ Ed grEAmo
d[a> ghm`H$ {ZXoeH$
H${Z> A{YH$mar
H${Z> A{YH$mar
ghm`H$
{~_mH$Z {d^mJ
Oo. _rZm Hw$_mar

Eg nr MH$~moVu
^mV Hw$_ma _Vr
Oo A{ZVm
Eo.dr. amd
EZ.Eg.Ho$. ^mH$a
gr. lr{Zdmg Hw$_ma
gwOZ B{Q>`ma
Eg. H$m{VHo$` e_m
E_ ~r dr EZ _w{V
S>r EZ Ho$ Eb EZ Ho$ MH$dVu
`moJrVm amdV
b_r Ama. {nB
~r. gmo_oda amd
A{_V lrdmVd
eaV Mm
gwOmo` gmhm
_wHo$e e_m
Oo. _rZm Hw$_mar
~r amKdZ
E. gJrZm
S>r lr{Zdmg _w{V
E. am_m gwYra
Ama. gJrVm
{d.Eg. Zao MXm
{ed gmX òXXw
B{Xn emh
AZwamJ ~mOnoB
gOrd Hw$_ma OZ
JS>r d|H$Q> a_Um
`{`m âV
Eo H$UU
Q>r. d|H$Q>dam amd
Ho$. lr{Zdmg
_ZmoO Hw$_ma Agrdmb
H$_b Mmbm
Xmo_bm aOZrH$mV
g`w$ {ZXoeH$
Cn {ZXoeH$
Cn {ZXoeH$
Cn {ZXoeH$
Cn {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
H${Z> A{YH$mar
ghm`H$
ghm`H$
ghm`H$
emg{ZH$ Ed EM Ama {d^mJ
g`w$ {ZXoeH$-(emgZ)
g`w$ {ZXoeH$-(EMAma)
d[a> ghm`H$ {ZXoeH$ (emgZ)
ghm`H$ {ZXoeH$ - (EMAma)
ghm`H$ {ZXoeH$ (A`j Ho$ {ZOr g{Md)
H${Z> A{YH$mar
H${Z> A{YH$mar (H$m`H$mar {ZXoeH$-emgZ Ho$ {ZOr g{Md)
H${Z> A{YH$mar (A`j Ho$ {ZOr g{Md)
ghm`H$ - (EM Ama)
ghm`H$ - (emgZ)
ghm`H$
EoOQ>m| Ed EQ>rAmB {d^mJ
g`w$ {ZXoeH$
ghm`H$
Cn^mo$m _m_bo {d^mJ
g`w$ {ZXoeH$
g`w$ {ZXoeH$
Cn {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$
xv
dm{fH$ [anmoQ>
2010-11
{dZ` Hw$_ma _VJr

ZraO _Zr {nmR>r
ghm`H$
ghm`H$
S>m. __Vm gyar

amOHw$_ma e_m
Ho$. gmX amd
A_w d|H$Q> a_Zm
~r nOm
Ho$. AmZX amd
S>m. a{dXa H$ma
AmH$mjm Jwm
_moh_X A`mO
Or. am_~m~w
E Ho$ed amd
Xm{gH$m Eg _wabr _mohZ
A_ra hgZ
~mom ~mbH$Um
{bmoH$s ZmW
{dm Ed boIm {d^mJ

g`w$ {ZXoeH$
Cn {ZXoeH$
Cn {ZXoeH$
Cn {ZXoeH$
d[a> ghm`H$ {ZXoeH$
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 g{Md)
ghm`H$
ghm`H$
ghm`H$
ghm`H$
Eg.EZ. O`qgZ
Ama. Hw$_ma
Ama. C_m _hodar
h{eVm _hodar
adr Xmg
amHo$e gamoX`
{dm Ed {Zdoe {d^mJ

g`w$ {ZXoeH$
Cn {ZXoeH$
d[a> ghm`H$ {ZXoeH$
ghm`H$ {ZXoe
ghm`H$
ghm`H$
dm` {d^mJ
Oo. _rZm Hw$_mar

Ho$ Or nr Eb a_mXodr
EZ E_ ~oham
{Z{_fm lrdmVd
O_wZm MmYar
_w{V b_r Za{ghm Xmgar
E_ Eg O`mHw$_ma
E_. _YwgwXZ
dmVr ~OmO
_wHo$e Ho$dba_Ur
Ho$ Eb EZ amKd Hw$_ma
E Ama {Z`mZX_
XrnH$ Im
XrnH$ Jm`H$dmS>
gO` Hw$_ma d_m
Zao qgh
g`w$ {ZXoeH$
Cn {ZXoeH$
Cn {ZXoeH$
d[a> ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
~r_m gyMZm {d^mJ
Cn {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$
gyMZm Ed mmo{JH$s {d^mJ
g`w$ {ZXoeH$
Cn {ZXoeH$
Cn {ZXoeH$
Cn {ZXoeH$
ghm`H$
{ZarjU {d^mJ
E_. nwm amd

Q>r Eg Zm`H$
Or Ama gw` Hw$_ma
d[a> g`w$ {ZXoeH$

g`w$ {ZXoeH$
Cn {ZXoeH$
xvi
dm{fH$ [anmoQ>
2010-11
gwaoe Zmà
ZXZ Hw$_ma
Ama. nmXm gmaYr
^mH$a nr H$S>H$^mdr
Amerf Hw$_ma ^maVr
A{Zb Hw$_ma WmQ>rnr
Or {edam_H$Um
{Zboe Jwm
^mga WuVam_U
gVmof Hw$_ma {_lm
nr. H$mVlr
d[a> ghm`H$ {ZXoeH$

ghm`H$ {ZXoe
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
H${Z> A{YH$mar (d[a> g`w$ {ZXoeH$ {ZOr g{Md)
_`dVu {d^mJ
gwaoe _mWwa
a_Um amd AXH$s
Ho$. _hrnmb ao>r
lXwb gwaoe AS>_mZo
_mVJr g[aVm
S>r. kmZm gwm
ZrVw emhXmXnwar
amOoda JmJwbm
_Zrf {_lm
{d.{d.EZ {H$aU Hw$_ma e_m
d[a> g`w$ {ZXoeH$

g`w$ {ZXoeH$
Cn {ZXoeH$
d[a> ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$ - H$mnm}Q> EOoQ>
ghm`H$ {ZXoeH$ - H$mnm}Q> EOoQ>
ghm`H$
H$mZyZ {d^mJ
_wHo$e Hw$_ma
nr. hr_m{H$aU
Eg. X{jZm_w{V
Abr_ Am\$mH$
ghm`H$ {ZXoeH$ - AmaQ>rAmB

ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
nwVH$mb`
~r.EM. gw`ZmamÙ emr
ghm`H$
OrdZ {d^mJ
dr. O`V Hw$_ma

gwXrm ^>mMm`
S>rdrEg a_oe
EM ~m~w `moJre
Ama b{bVm Hw$_mar
Ho$. lrYa amd
dr {Mm
~r AUm
g`w$ {ZXoeH$
Cn {ZXoeH$
Cn {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
H${Z> A{YH$mar
Ja OrdZ {d^mJ
aUXrn qgh OJnmb

gwYm am_mZwO_
nH$O Hw$_ma Vrdmar
{ejm gmhm
`mo{V ^mJV
gw{ZVm EZ.dr.Eg
Ho$. lrYa
gr EM ~r MeoIa amd
{dH$mg OZ
gO` _mohZ em_
g`w$ {ZXoeH$
Cn {ZXoeH$
Cn {ZXoeH$
d[a> ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
xvii
dm{fH$ [anmoQ>
2010-11
na_oda Eb. amd erHo$

lrhar A_eo>r
~r Eg d|H$Q>oe
E_ Eb gmO`m
VmQ>r {H$aU
AmH$me S>Jdma
ghm`H$ {ZXoeH$
ghm`H$ {ZXoeH$
H${Z> A{YH$mar
H${Z A{YH$mar (gX` Ja OrdZ ~r_m Ho$ {ZOr g{Md)
ghm`H$
ghm`H$
amO^mfm {d^mJ
{d. O`V Hw$_ma

_wer E_ {ZOm_wrZ
BpV`mH$ Amb_
g`w$ {ZXoeH$
AZwgYmZ Ed {dH$mg {d^mJ
ghm`H$ {ZXoeH$
ghm`H$
gVH$Vm {d^mJ
_wHo$e e_m
g`w$ {ZXoeH$
{Xr H$m`mb`
amHo$e Ho$ ~OmO

A{Zb Hw$_ma AamoS>m
_Ow AamoS>m
h[a
ewenmb
eernmb
EM AmZWH$UZ
S>m Ama Ho$ {ghm
dr gmB Hw$_ma
Eg dr hoJS>o
Ama lr{ZdmgZ
~r dr emr
amOoe
lr{Zdmg
dr gdm}m_wSw>
dr g` lr{Zdmg
{dH$mg Hw$_ma
XodoXa Hw$_ma
{dH$mg Eg. amZo
Q>r am_~m~w
~r dr gy`ZmamÙm
{d Ho$ {ghm
MeoIa ~r
Amerf gmoZr
g`w$ {ZXoeH$
Cn {ZXoeH$
d[a> ghm`H$ {ZXoeH$
H${Z> A{YH$mar
ghm`H$
[aH$mS> bmH$
{V{Z`w$ na A{YH$mar
AmoEgS>r-H$mZyZr
AmoEgS>r-Ama.ES>.S>r
AmoEgS>r-OrdZ
AmoEgS>r-OrdZ
AmoEgS>r-JmhH$ _m_bo
AmoEgS>r-{ZarjU
AmoEgS>r-{ZarjU
AmoEgS>r-{ZarjU
AmoEgS>r-{ZarjU
AmoEgS>r-{ZarjU
AmoEgS>r-AmB AmB ~r
AmoEgS>r-AmB AmB ~r
AmoEgS>r-AmB AmB ~r
AmoEgS>r-_`dVu
AmoEgS>r-AmaQ>rAmB
AmoEgS>r-AmB AmB ~r
nr.Eg-gX` (OrdZ)
AmoEgS>r
AZw~Y
`y Odmhabmb
An MQ>Ou
gnmXH$, AmBAmaS>rE OZb

AmBAmaS>rE Ho$ A{YH$mar A` gJR>Zm| _| {V {Z`w$
g`w$ {ZXoeH$
xviii
BLANK
dm{fH$ [anmoQ>
2010-11
n[a`
^maVr` AW`dWm:
ghZo H$s pW{V _| bJmVma ~Zo aho& BgHo$ H$maU CâVo Xoem| _|
CZH$s T>Va ma{^H$ amOH$mofr` Ama {dmr` pW{V`m| Ho$ hmoVo hE
AnojmH$V A{YH$ `Wo` gd{ H$s g^mdZmAm| Ho$ {bE _mJ eV
hAm & BgHo$ Abmdm, BZ_| go A{YH$me AW`dWmAm| Zo {Z`mVm|
Ama _O~yV Kaoby _mJ _| AN>o g_wWmZ H$m ^r gmjmH$ma {H$`m &
1. ^maVr` AW`dWm Zo AZoH$ MwZm{V`m| Ho$ ~mdOyX 2010-11

_| 8.5 {VeV H$s gd{ Xa XO H$s& gd{ H$s Xa 2009-10 _|
8.0 {VeV Wr& _wm\$s{V H$m C Va Omo Im Ama BYZ H$s
D$Mr H$s_Vm| go o[aV Wm, AW`dWm _| g~go ~S>r qMVmAm| _| go
EH$ ahm Wm, 2009-10 Ho$ {ZZ Vam| go ~T>H$a `h df 201011 H$s g_m{ Ho$ XmamZ {AH$s` g`mAmo _| CH$f na Am J`m Ama
df 2011-12 _| {ZaVa C ~Zm ahm& ^maVr` [aO~ ~H$ Zo ~T>Vr
hB _wm\$s{V H$mo {Z`{V H$aZo Ho$ {bE aonmo Xa _| gmV ~ma ~{
(òH$ 25 AmYma AH$ H$s) H$aVo hE AnZr _m{H$ Zr{V H$mo gV
~Zm`m& ^maVr` [aOd ~H$ H$s dm{fH$ [anmoQ> 2010-11 Ho$ AZwgma
{Zdoe H$s J{V{d{Y`m| Ho$ {ZZ Vam| Zo {deof n go df 2010-11
H$s Xygar N>_mhr _| AW`dWm na A{V[a$ X~md S>mbm& A_o[aH$m,
OmnmZ Ama `yamon _| {d_mZ _Xr Ho$ H$maU d{H$ ~mOmam| _| A{Z{VVm
bJmVma EH$ qMVm ~Zr ahr &
5. d{H$ AW`dWm df 2010 _| 5.1 {VeV H$s OrS>rnr gd{

Xa na ~T>r& EH$ Amoa Ohm CV AW`dWmE 2010 _| 3.1 {VeV
na ~T>r, dht Xygar Amoa CâVr Ama {dH$mgerb AW`dWmAm| _|
gd{ 7.3 {VeV na ahr & AVaam>r` _wm H$mof (AmBE_E\$) H$s
d{H$ Am{WH$ g^mdZm (S>`yBA
mo) [anmoQ> qgV~a 2011 Ho$ AZwgma
`h `m{eV h {H$ d{H$ AW`dWm _| 2011 _| 4 {VeV na
d{ hmoJr& C$ [anmoQ> Ho$ nydmZw_mZm| go A_o[aH$m _| gd{ Xa _|
2011 _| 1.5 {VeV (2010 go 3 {VeV) na Vrd [JamdQ> H$Q>
hmoVr h & BgHo$ Abmdm, `h AZw_mZ h {H$ ^yH$n Ama gwZm_r Ho$
CmadVu ^mdm| Ho$ H$maU OmnmZ 2011 _| F$Um_H$ gd{ (-0.5
{VeV) XoIoJm, Omo 2010 _| 4.0 {VeV na ~T>r Wr & `yamo jo _|
A{YH$ Agwa{jV ^wgmmAm| Ama ~H$m| _| {ZaVa X~md Ho$ {bE
CoIZr` AmeH$mE VwV H$aVo h Omo Bg jo _| H$B CV
AW`dWmAm| _| bJmVma ~Zr hB Xw~bVm Ho$ H$maU h &
2. ^maVr` AW`dWm _| df 2010-11 _| XoIm J`m AN>m

g_wWmZ A{YH$meV: H${f jo _| d{ Ho$ H$maU h& H${f jo, Omo
{nN>bo Xmo dfm] _| {JamdQ> H$s pW{V _| ahm, Cg_| 2010-11 _|
CoIZr` $n _| d{ hB, Omo ~S>r gr_m VH$ AN>o _mZgyZ Ho$ H$maU
Wm & CV df Zo EH$ hr g_` EH$ gm_m` Ama gw{dV[aV X{jUn{_ _mZgyZ Ed gmW hr EH$ A{V[a$ Cma-nyd _mZgyZ H$mo ^r
XoIm Omo {nN>bo XeH$ Ho$ XmamZ Zht XoIm J`m Wm & BgHo$ H$maU H${f
jo _| gd{ Xa _| 6.6 {VeV VH$ ~T>moVar Ho$ {bE _mJ eV hmo
J`m& VWm{n, Ammo{JH$ jo H$s gd{ Xa _hdnyU ~w{Z`mXr gaMZm
Ho$ CmoJm| _| _Xr Ho$ H$maU {nN>bo df Ho$ AnZo 8.3 {VeV go ZrMo
{JaH$a 2010-11 _| 7.8 {VeV ahr &
6. AZoH$ CâVr AW`dWmAm| Zo _O~yV g{H$`Vm Ama ~oamoOJmar

Ho$ AnojmH$V n go {ZZ Va H$s n>^y{_ _| 2010 Ho$ CmamW/
2011 Ho$ ma^ _| C _wm\$s{VH$mar X~md H$m gmjmH$ma {H$`m&
VWm{n, Hw$N> CâVr AW`dWmAm| Zo hoS>bmBZ _wm\$s{V _| Za_r
Ho$ gHo$V {XImZm ma^ {H$`m h& BZ Xoemm| _| gd{ Ho$ g~Y _|
{JamdQ> XoIo OmZo H$s g^mdZm h (Omo 2011 _| 6.4 {VeV na hmoZo
H$m AZw_mZ h) &
3. Kaoby ~MV H$s d{ 2010-11 _| bJmVma Ad ahr & Kan[admam| H$s Hw$b {dmr` ~MV _| OrdZ ~r_m {Z{Y`m| H$m Ae 201011 _| {ZaVa ~T>Vm ahm& BgH$m Ae 2009-10 Ho$ 22.6 {VeV
Ama 2008-09 Ho$ 21.0 {VeV go ~T>H$a 24.2 {VeV hmo
J`m& ^{d` Ama n|eZ {Z{Y`m| H$m Ae 2009-10 Ho$ AnZo 11.5
{VeV Ho$ Va go KQ>H$a df 2010-11 _| 9.1 {VeV hAm&
O_mam{e`m| H$m Ae 47.3 {VeV Wm Omo A{YH$meV: Cgr Va na
(2009-10 _| 47.2 {VeV) ahm &
~r_m ~mOma:
7. arB`ya|g _oOa pdg ao mam H$m{eV {d ~r_m [anmoQ> Ho$ AZwgma
H$b|S>a df 2010 Ho$ {bE d{H$ ~r_m r{_`_ 4,339 {~{b`Z
A_o[aH$s S>mba Wm Omo {nN>bo H$b|S>a df 2009 Ho$ XmamZ gy{MV
{H$ò Jò 4,109 {~{b`Z A_o[aH$s S>mba go 2.7 {VeV A{YH$ h
(_wm\$s{V g_m`mo{OV) & Hw$b r{_`_ gJh U _| OrdZ ~r_m `dgm`
H$m Ae 58 {VeV Wm & EH$ Amoa Ohm OrdZ ~r_m `dgm` Zo
r{_`_ Ho$ $n _| 2,520 {~{b`Z A_o[aH$s S>mba H$m gJhU {H$`m,
dht Xygar Amoa Ja-OrdZ ~r_m `dgm` H$m gJhrV r{_`_ 1,818
{~b{`Z A_o[aH$s S>mba Wm & 2009 Ho$ XmamZ d{H$ OrdZ ~r_m
`dgm` _| r{_`_ 3.2 {VeV ~T>m Omo CâVo ~mOmam| _| OrdZ
~r_m r{_`_ gJhU _| {-AH$s` d{XY Ho$ H$maU Wm &
d{H$ Am{WH$ n[adoe:

4. d{H$ {dmr` Umbr, {OgZo H$b|S>a df 2008 _| EH$ CoIZr`
gH$Q> H$m gmjmH$ma {H$`m, df 2010 _| g_wWmZ Ho$ nW na {ZaVa
AJga ahr O~ {d Ho$ g~{YV ^mJm| _| C _wm\$s{V, {ZZ gd{,
~oamoOJma Am{X Ho$ $n _| H$B A` A{Z{VVmE Ama qMVmE {d_mZ
ahr & Eogm bJm {H$ g_J gd{ Ama g_wWmZ AW`dWmAm| Ho$ ~rM
A{YH$meV: Ag_mZ Wo & _moQ>o Vma na `h Am^mg hAm {H$ gd{
{dH${gV Ama CV AW`dWmAm| _| {ZZ ahr& {dH${gV ~mOmam|
H$s VwbZm _| CâVo hE ~mOma H$_mo~oe {dVr` gH$Q>m| Ho$ {V AmKmV
8. C$ [anmoQ> 2011 Ho$ AZwgma, M{bV g_{>-Am{WH$ pW{V`m|

Ho$ H$maU ~r_m CmoJ Ho$ g~Y _| CoIZr` $n _| {ZZVa d{ hmo
gH$Vr h & Hw$N> CâVr AW`dWmAm| _| emoYj_Vm II Ho$ dVZ
Ama CVa _wm\$s{V H$m ^r ^md ~r_m H$n{Z`m| H$s bm^XVm na
nS> gH$Vm h &
1
dm{fH$ [anmoQ>
2010-11
^maVr` ~r_m jo:
gy_> ~r_m:
9. ~r_m H$n{Z`m| H$s g`m 2010-11 Ho$ AV _| 48 ahr, {Og_|

23 OrdZ ~r_mH$Vm, 24 Ja-OrdZ ~r_mH$Vm Ama EH$ nwZ~u_mH$Vm
em{_b h & EH$ Zò ~r_mH$Vm AWmV ES>obdoBg Q>mo{H$`mo bmB\$ B`ya|g
H$nZr H$mo df 2011-12 _| nOrH$aU XmZ {H$`m J`m {Oggo
{gV~a 2011 Ho$ AV _| ~r_m H$n{Z`m| H$s Hw$b g`m ~T>H$a 49 hmo
JB&
13. Xoe _| ~r_m ajm _| gVw{bV Ama d[aV {dVma H$mo gw{Z{V
H$aZo Ho$ {bE EH$ `mg Ho$ Vma na m{YH$aU Zo EH$ {d{Z`m_H$
$naoIm (Jm_rU AWdm gm_m{OH$ jom| Ho$ {V ~r_mH$VmAm| Ho$ Xm{`d,
2002) ~ZmB Wr& ò {d{Z`_ H$_e: OrdZ Ama Ja-OrdZ ~r_m
H$n{Z`m| Ho$ g~Y _| Jm_rU OZVm H$mo nm{b{g`m| Ho$ EH$ {d{Z{X>
{VeV H$mo ~oMZo VWm hm_rXmar {Xò Jò Hw$b r{_`_ Ho$ EH$ {d{Z{X>
{VeV H$mo hm_rXmar XoZo Ho$ {bE Ed Jar~r H$s aoIm go ZrMo ahZo dmbo
bmoJm| AWdm Hw$b nman[aH$ H$m_-YYm| H$m AZwgaU H$aZo dmbo bmoJm|
Ho$ OrdZ/CZH$s n[agn{m`m| H$s EH$ {d{Z{X> g`m H$mo ajm XmZ
H$aZo Ho$ {bE ~r_mH$VmAm| na Xm{`d bmJy H$aVo h & ^maV gaH$ma Zo
Jm_rU {ZYZm| Ho$ {bE _mOyXm ~r_m `moOZmAm| H$s OmM-nS>Vmb hoVw
2003 _| EH$ nam_eH$ Xb H$m JR>Z {H$`m; VWm C$ Xb H$s {g\$m[aem|
Ho$ AmYma na m{YH$aU Zo AmBAmaS>rE {d{Z`_mdbr, 2005 Omar
H$s& BZ {d{Z`_m| H$s A{YgyMZm Ho$ n[aUm_dn A{^{ZYm[aV g_yhm|
H$s Amd`H$VmE nyar H$aZo dmbo CnmXm| Ho$ A{^H$nZ _| H${_H$ d{
ahr h & C$ {d{Z`_m| _| Xm bMrbonZ mam g{_l ajm VWm noHo$O
CnmX Vm{dV H$aZo Ho$ {bE ~r_mH$VmAm| H$mo AZw_{V Xr JB h&
A~ ~r_m H$n{Z`m nhbo go AZw_mo{XV gm_m` CnmXm| H$mo ^r m{YH$aU
Ho$ AZw_moXZ go gy_ ~r_m CnmXm| Ho$ $n _| nmXZ H$a ahr h, `{X
~r_mH$V am{e Ama CnmX go g~{YV A` {deofVmE gy_ ~r_m Ho$
{bE {ZYm[aV Xmào Ho$ ^rVa h&
10. W_ df H$m r{_`_ Omo 2010-11 Ho$ XmamZ OrdZ ~r_mH$VmAm|

mam a{jV, hm_rXmar Xm Zò `dgm` H$m EH$ Cnm` h, 200910 Ho$ 1,09,894 H$amoS> nò H$s VwbZm _|, 1,26, 381 H$amoS>
nò ahm {OgZo 2009-10 Ho$ 25.84 {VeV Ho$ _wH$m~bo 15.00
{VeV H$s {ZZVa d{ XO H$s & df 2010-11 Ho$ XmamZ gh~
Ama Agh~ `dgm` Ho$ Vma na, Hw$b r{_`_ Ho$ 37.38 {VeV
H$s hm_rXmar gh~ IS> _| Xr JB O~{H$ `dgm` Ho$ 62.62 {VeV
H$s hm_rXmar Agh~ IS> _| Xr JB (2009-10 _| `h H$_e:
43.52 Ama 56.48 {VeV Wm)& df 2010-11 _| OrdZ ~r_m
jo mam hm_rXmar Xm Hw$b r{_`_ 2009-10 _| XO 2,65,447
H$amoS> nò H$s VwbZm _| 2,91,605 H$amoS> nò Wm Omo 9.85
{VeV H$s d{ XemVm h (`h 2009-10 _| 19.69 {VeV
Wm)&
11. Ja-OrdZ ~r_mH$VmAm| Zo 2009-10 Ho$ 34,620 H$amoS> nò
H$s VwbZm _o 2010-11 _| 42,576 H$amoS> nò Ho$ r{_`_ H$s
hm_rXmar Xr {Oggo {nN>bo df Ho$ 14.06 {VeV H$s d{ Ho$ _wH$m~bo
22.98 {VeV H$s CoIZr` n go CVa d{ XO H$s JB &
`dgm` H$s Ja-OrdZ `dWmAm| _| dm` IS> Zo Hw$b JaOrdZ r{_`_ _| AnZo Ae Ho$ Vma na {ZaVa d{ H$mo Omar aIm &
dm` IS> H$m Ae Ama AmJo ~T>H$a 2010-11 _| 23.25 {VeV
hmo J`m (`h 2009-10 _| 21.12 {VeV Ama 2008-09 _|
20.06 {VeV Wm &
14. OrdZ ~r_m Ho$ _m_bo _| Bg IS> Ho$ AVJV d`{$H$ Z`m
`mdgm{`H$ r{_`_ 2010-11 _| 36.51 bmI nm{b{g`m| Ho$
AVJV 130 H$amoS> nò ahm & gm_y{hH$ `dgm` Ho$ {bE `h 1.52
H$amoS> OrdZm| Ho$ AVJV 155 H$amoS> nò H$m r{_`_ Wm & OrdZ
~r_m {ZJ_ (EbAmBgr) Zo 29.51 bmI nm{b{g`m| go d`{$H$
r{_`_ H$m 123 H$amoS> nò VWm gm_y{hH$ r{_`_ H$m 138 H$amoS>
nò gJhrV H$aZo Ho$ mam Bg g{d^mJ _| m H$mamo~ma Ho$ A{YH$me
{hgo H$m AeXmZ {H$`m& Ja-OrdZ `dgm` Ho$ _m_bo _| Am~mXr Ho$
{ZZ Am` dmbo IS> H$mo b{jV H$aVo hE Ja-OrdZ ~r_m H$n{Z`m|
mam AZoH$ CnmX (CXm. OZVm d`{$H$ XwKQ>Zm nm{bgr, Jm_rU
d`{$H$ XwKQ>Zm nm{bgr, _doer/newYZ ~r_m, Am{X) Vm{dV {H$ò
Jò&
`mnZ Ama gKZVm:

12. ~r_m jo H$s j_Vm Ama H$m`-{ZnmXZ H$m _y`mH$Z gd
Xmo _mnXS>mo, AWmV ~r_m `mnZ Ama ~r_m gKZVm Ho$ gX^ _| {H$`m
OmVm h& ~r_m `mnZ H$s n[a^mfm gH$b Xoer CnmX (OrS>rnr) H$s
VwbZm _| EH$ {d[e> df _| hm_rXmar {Xò Jò r{_`_ Ho$ AZwnmV Ho$
n _| Xr JB h & ~r_m gKZVm Hw$b OZg`m H$s VwbZm _| EH$ {d{e>
df _| hm_rXmar {Xò Jò r{_`_ Ho$ AZwnmV Ho$ $n _| nm[a^m{fV H$s
JB h (VwbZm H$s gw{dYm Ho$ {bE BgH$m _mnZ A_o[aH$s S>mba _| {H$`m
OmVm h)& ~r_m `mnZ df 2000 _| 2.32 n{VeV (OrdZ: 1.77
{VeV Ama Ja-OrdZ: 0.55 {VeV) Wm O~ `h jo {ZOr jo Ho$
{bE Imobm J`m Wm & `h ~T>Vo hE 2010 _| 5.10 {VeV hmo J`m
Wm (OrdZ: 4.40 {VeV Ama Ja-OrdZ: 0.70 {VeV) & ~r_m
gKZVm 2000 _| XO 9.9 A_o[aH$s S>mba (OrdZ: 7.6 A_o[aH$s
S>mba Ama Ja-OrdZ: 2.3 A_o[aH$s S>mba) go ~T>H$a 2010 _|
64.4 A_o[aH$s S>mba hmo JB (OrdZ: 55.7 A_o[aH$s S>mba Ama
Ja-OrdZ: 8.7 A_o[aH$s S>mba)&
A` njm Xm{`d Ho$ {bE mdYmZrH$aU:

15. AmBAmaS>rE {d{Z`m_mdbr Ho$ AgwZma n[aH${bV H$s OmZo dmbr
Ama{jV {Z{Y`m| H$s n`mVm H$m AmH$bZ H$aZo Ho$ {bE m{YH$aU Zo
{dmr` df Ho $ Xm a mZ ^maVr` _mo Q >a A` nj ~r_m g_y h
(AmBE_Q>rnrAmBnr) H$m ~r_m{H$H$ _y`mH$Z {H$`m& C$ ~r_m{H$H$
[anmoQ> Zo `h _m{UV {H$`m {H$ A{V hm{Z AZwnmV df 2007-08,
2008-09 Ama 2009-10 Ho$ {bE H$_e: 172.3 {VeV,
181.81 {VeV Ama 194.15 {VeV h & Bg AmH$bZ Ho$ AZwgma
C$ g_yh Zo BZ g^r dfm] Ho$ {bE 126 {VeV na Ama{jV {Z{Y`m|
H$mo ~Zmò aIm {Ogo An`m _mZm J`m & AV: m{YH$aU Zo AmBAmaS>rE
A{Y{Z`_, 1999 H$s Ymam 14 Ho$ AVJV CZ g^r dfm] Ho$ {bE
2
dm{fH$ [anmoQ>
2010-11
gH$Vr h& òH$ IarXma Ho$ {bE ~r_mH$Vm mam {ZYm[aV F$U-nyd
gr_mE hm|Jr VWm nm{bgr Ho$ AVJV EH$ g_J gr_m ^r hmoJr& ~r_mH$Vm
go `h Ano{jV h {H$ dh nm{bgrYmaH$ H$s F$U-nmVm H$m {ZYmaU
H$aZo Ho$ {bE EH$ F$U ~Y EO|gr {Z`w$ H$ao {OgH$m nm{bgrYmaH$
Ho$ gmW {hVm| H$m H$moB gKf Zhr hmoJm& H$moB ^r H$b {d[e> `mnma
F$U ~r_m nm{bgr {H$gr g^m{dV JmhH$ H$mo ~oMr Zht Om gH$Vr &
`mnma F$U ~r_m Eogr j{Vny{V XmZ Zht H$aoJm Omo IarXma Ho$
`mnma H$s m` am{e`m| Ho$ 80 {VeV AWdm {nN>bo df Ho$ {bE
{dHo$Vm mam {H$ò Jò `` Ho$ 90 {VeV, Omo ^r H$_ hmo, go A{YH$
hmo &
{OZ_| g_yh hm_rXmar Xo ahm Wm, 153 {VeV go AZ{YH$ A{V hm{Z
AZwnmV na _y`m{H$V H$s Om ahr AmBE_Q>rnrAmBnr hm{Z`m| Ho$ {bE
31 _mM 2011 H$s pW{V Ho$ AZwgma `dgm` H$s g^r `dWmAm|
hoVw 130 {VeV go A{ZYH$ emoKj_Vm AZwnmV ~Zmò aIZo Ho$ {bE
Ja-OrdZ ~r_mH$VmAm| H$mo {ZXoe Omar {H$ò& CgZo Eogo {H$gr ^r df
Ho$ {bE {Og_| emoKj_Vm AZwnmV 150 {VeV go H$_ gy{MV {H$`m
J`m hmo, m{YH$aU Ho$ nyd {d{e> AZw_moXZ Ho$ {~Zm eoàYmaH$m| H$mo
bm^me H$s KmofUm Z H$aZo Ho$ {bE ~r_mH$VmAm| H$mo {ZXoe {X`m&
CgZo H$n{Z`m| H$mo `h ^r {ZXoe {X`m {H$ do _mM 2014 VH$ Cn`w$
3-dfu` Ad{Y Ho$ {bE H$_r go gwYma bmZo Ho$ {bE EH$ H$m` `moOZm
{Z{X> H$aVo hE Xmo _mh H$s Ad{Y Ho$ AXa m{YH$aU H$mo {ZXoeH$
_S>b mam `WmAZw_mo{XV EH$ {dmr` `moOZm VwV H$a|&
19. F$U ~r_m H$s hm_rXmar XoZo Ho$ {bE {H$gr ~r_m H$nZr Ho$ {bE
{d_mZ nydmnojmAm| _| n[a^m{fV AmV[aH$ hm_rXmar, Omo{I_ ~Y
VWm `dgm` H$s Bg loUr H$s hm_rXmar XoZo Ho$ {bE {ZXoeH$ _S>b
mam AZw_mo{XV Xmdm {ZnQ>mZ g~Yr {Xem{ZX}e em{_b h& C$
{d{Z`m_H$ {Xem{ZX} e ~r_m { H$H$ AmYmana r{_`_, Xmdm| ,
AmB~rEZAma Ama AmB~rEZBAma Ama{jV {Z{Y`m| Ho$ {Z_mU H$mo ^r
{d{Z{X> H$aVo h& ò {Xem{ZXoe `h ^r {d{Z{X> H$aVo h {H$ `mnma
F$U ~r_m g~Yr H$m` H$mo {ZnQ>mZo Ho$ {bE ~r_mH$Vm Ho$ nmg AhVmm,
AZw^dr Ama {e{jV H$_Mmar hmoZo Mm{hE& m{YH$aU Zo `dgm`
H$s Bg `dWm Ho$ {ZnmXZ H$s {ZJamZr H$aZo Ho$ {bE A{V[a$
{anmo{Q>J AnojmE ^r {d{Z{XoQ> H$s h &
_moQ>a A` nj r{_`_ Xam| _| gemoYZ:

16. {nN>bo 3 dfm] _| Bg IS> _| ^mar n[aMmbZ hm{Z`m| Ho$ H$maU
g^r Ja-OrdZ ~r_m H$n{Z`m| Zo gmYmaU ~r_m n[afX Ho$ _m`_ go
_moQ>a A` nj ~r_m gwajm hoVw nr{_`_ Xam| Ho$ D$d_wIr gemoYZ Ho$
{bE m{YH$aU go gnH$ {H$`m & g^r {hVXmaH$m| Ho$ gmW H$B Xma Ho$
{dMma-{d_e Ho$ ~mX m{YH$aU Zo 15 Ab 2011 H$s EH$ A{YgyMZm
Ho$ mam _moQ>a A` nj ~r_m ajm Ho$ {bE gemo{YV r{_`_ Xam| H$mo
A{Ygy{MV {H$`m& gemo{YV Xa| 25 Ab 2011 go M{bV hB &
`{n C$ H$n{Z`m| Zo dmhZm| Ho$ g^r IS>m| _| r{_`_ Xam| _| 85
{VeV d{ Ho$ {bE AZwamoY {H$`m, VWm{n {d{^ {hVYmaH$m| H$s
qMVmAm|/AZwamoYm|/gwPmdm| na {dMma H$aZo Ho$ ~mX m{YH$aU Zo C$
r{_`_ Xam| _| Xwn{h`m| Ama {ZOr H$mam| Ho$ g~Y _| Ho$db 10 {VeV
VH$; VWm dm{Up`H$ dmhZm| Ho$ g~X _| 68.5 {VeV H$s d{ H$aZo
H$m {ZU` {b`m& m{YH$aU Zo EH$ dm{fH$ AmYma na r{_`_ Xam| Ho$
gemoYZ Ho$ {bE EH$ \$m_ybm ^r A{Ygy{MV {H$`m {Ogo CgZo bmJV
_wXm\$s{V gyMH$mH$, AmgV Xmdm am{e`m|, ~ma~maVm Ed _moQ>a Q>rnr
H$mamo~ma g~Yr emoYZ go g~ ``m| Ho$ gmW g~ H$a {X`m &
Ja-OrdZ ~r_m H$n{Z`m| H$m g_m_obZ:

20. ~r_m A{Y{Z`_, 1938 _| OrdZ ~r_m H$n{Z`m| Ho$ g_m_obZ Ho$
{bE noaoIm {ZYm[aV H$s JB h& Bg pW{V Ho$ hmoVo hE {H$ JaOrdZ ~r_m H$n{Z`m| Ho$ _m_bo _| Bgr Vah H$m mdYmZ CnbY Zht
h, Ja-OrdZ ~r_m H$n{Z`m| Ho$ g~Y _| gm{d{YH$/[d{Z`m_H$ AVa
H$m g_mYmZ H$aZo Ho$ {bE ~r_m gemoYZ {dYo`H$, 2008 _| Bg
AgJ{V H$mo gwYmaZo H$m Vmd {H$`m J`m h& C$ gemoYZ hmoZo VH$
m{YH$aU Zo Bg g~Y _| Amd`H$ {d{Z`_m| H$s A{YgyMZm Ho$ mam
Ja-OrdZ ~r_m H$n{Z`m| Ho$ g_m_obZ Ho$ {bE $naoIm {ZYm[aV H$s
h& C$ {d{Z`m_H$ $naoIm {ZYm[aV H$aVo g_` AmBAmaS>rE Zo
nm{bgrYmaH$mo Ho$ {hVm| H$s ajm H$s Amd`H$Vm go _mJXeZ m
{H$`m h &
`mnma F$U ~r_m:

17. m{YH$aU Zo 2010-11 Ho$ XmamZ `mnma F$U ~r_m g~{Y
{Xem{ZXoe Omar {H$ò {Oggo gwT> ~r_m {gmVm| na Bg jo H$s
H$_~ d{ gw{ZpVMV H$s Om gHo$& Bg {ZXoem{ZX}em| _| em{_b h
`mnma F$U ~r_m Ho$ gmW g~ {d[^ eXm| H$s n[a^mfm VWm
`mnma F$U ~r_m Zr{V Ho$ AVJV ajm H$s `{ & ò {Xem{ZX}e EH$
`mnma F$U ~r_m CnmX H$s _yb^yV AnojmAm| H$mo {d{Z{X> H$aVo h
{OZ_| `h g{_{bV h {H$ nm{bgrYmaH$ H$mo Amd`H$ $n go dVwAm|
Ama godmAm| H$m Amny{VH$Vm hmoZm Mm{hE; VWm ajm (H$da) Ho$ AVJV
`mnma H$s m` am{e`m| Ho$ m Z hmoZo Ho$ {bE j{Vny{V hoVw `dWm
H$s OmZr Mm{hE&
OrdZ ~r_m H$n{Z`m| mam nyOr H$m {ZJ_:

21. ~r_m A{Y{Z`_, 1938 H$s Ymam 6EE _| {d{Z{X> _m_bm| _|
n[aMmbZ Ho$ ma^ go Xg df Ho$ ~mX ^maVr` dVH$m| mam A[V[a$
eoàYm[aVm H$mo KQ>mZo (S>mBdoQ>_|Q>) Ho$ VarHo$ H$s `dWm H$s JB h&
Cn`w$ Ymam _| AmJo `h ^r `dWm h {H$ Bg H$ma KQ>Zo
(S>mBdoQ>_|Q>) Ho$ VarHo$ Ama CgH$s H$m`{d{Y H$mo nm{YH$aU mam
~Zmò Jò {d{Z`_m| go {d{Z{X> {H$`m OmEJm& H$Q>mVr (S>mBdoQ>_|Q>)
H$s {H$`m H$mo gwgm` ~ZmZo Ama Bg H$ma H$s H$Q>mVr (S>mBdoQ>_|Q>)
Ho$ VarHo$ Ama H$m`{d{Y H$mo {ZYm[aV H$aZo Ho$ {bE m{YH$aU OrdZ
~r_m H$n{Z`m| mam nyOr Ho$ {ZJ_ Ho$ g~Y _| {d{Z`_ H$m{eV H$a
ahm h& ò {dZ`_ OrdZ ~r_m H${Z`m| mam Bg H$ma Ho$ A{V[a$
{hV H$mo KQ>mZo (S>mBdoQ>_|Q>) Ho$ {bE VarHo$ Ama H$m`{d{Y Ed
gmdO{ZH$ {ZJ_m| Ho$ _m`_ go {Z{Y`m OwQ>mZo Ho$ {bE AmdoXH$ H$n{Z`m|
18. ò {Xem{ZX}e ~r_mH$Vm Ho$ n[ao` Ama nm{bgrYmaH$ Ho$ n[ao`

go `mnma F$U ~r_m g~Yr eVm] H$mo ^r {d{Z{X> H$aVo h {OZ_| `h
em{_b h {H$ `h nm{bgr ~H$m|/{dmXmVmAm|/CYmaXmVmAm| H$mo AWdm
Ohm do Xmdo Ho$ {hVm{YH$mar h AWdm Ohm Xmdo H$s AmJ_ am{e Ch|
g_ZwXo{eV H$s JB h dhm Omar Zht H$s Om gH$Vr & EH$ `mnma F$U
~r_m nm{bgr {H$gr {dHo$Vm H$mo Hw$b {~H$s Ho$ AmYma na ~oMr Om
3
dm{fH$ [anmoQ>
H$s nmVm hoVw$naoIm {ZYm[aV H$aVo h & ò {d{Z`_ OrdZ ~r_m
H$n{Z`m| Ho$ {bE {d{e> H$Q>rH$aU ^r {ZYm[aV H$aVo h Omo Vmd
XVmdoO H$m ^mJ ~Z|Jo&
2010-11
VwV H$a| & C$ {dmr` pW{V [anmoQ> H$m CXoX` _y`mH$Z H$s
VmarI H$mo `dgm` Ho$ dV_mZ IS> Ho$ {dbofU H$mo gwgm` ~ZmZm h
{Oggo CZ MwZm{V`m| H$mo n> $n go H$Q> {H$`m Om gHo$ {OZH$m
gm_Zm ~r_mH$Vm AnZr emoYj_Vm H$s Amd`H$VmE nyar H$aZo, AnZr
bm^XVm Ama A` Omo{I_m| AWmV UVm, Mb{Z{Y, F$U Ama
``, {Zdoe {Vbm^, AmpV-Xo`Vm AgVwbZ, Am{X Ho$ $n _|
H$aVo h& `h AZw^d AJbo EH$ df Ho$ {bE BZ _mZXS>m| na ~r_mH$Vm
H$s pW{V H$mo ^r {Z{X> H$aoJm& Bg nhb Ho$ gmW m{YH$aU Zo OrdZ
~r_m H$n{Z`m| go AmJo Bg H$ma H$s {anmo{Q>J Ho$ Xmào _| Ja-OrdZ
~r_mH$VmAm| H$mo ^r bmZo Ho$ {bE {dmr` pW{V [anmoQ> H$s Vw{V Ho$
g~Y _| AnZo A{YXoe H$m {dVma {H$`m h &
22. ò {d{Z`_ ^maVr` {V^y{V Ama {d{Z`_ ~moS> (go~r) Ho$ gmW
nam_e H$s {H$`m Ho$ AmYma na V`ma {H$ò Jò h& H$Q>rH$aU Ama
boImH$Z _mZH$m| g~Y r go~r g{_{V (H$moS>m) Ho$ Cn-Xb Zo AVam>r`
gdm}m_ WmAm| Ho$ AmYma na ~r_m H$n{Z`m| Ho$ g~Y _| H$Q>rH$aU
H$s Amdm`H$VmAm| H$mo A{V_ n {X`m Wm& C$ Cn-Xb H$s [anmoQ>
H$mo H$moS>m mam Ama VnmV go~r Ho$ ~moS> mam drH$ma {H$`m J`m&
ò {g\$m[ae| A~ H$Q>rH$aU H$s AnojmAm| Ho$ {bE AmYma ~ZVr h Omo
C$ {d{Z`_m| _| {ZYm[aV H$s JB h& m{YH$aU {\$bhmb OrdZ ~r_m
H$n{Z`m| mam nyOr ~mOmam| go {Z{Y`m OwQ>mVo g_` nyOr Ho$ {ZJ_ Ama
{ddaU-n Ho$ XVmdoO _| H$Q>rH$aUm| Ho$ {bE {d{Z`_ A{Ygy{MV
H$aZo H$s {H$`m _| h &
AmBE\$AmaEg Ho$ H$m`md`Z g~Yr nhb:

26. H$nZr H$m` _mb` Zo AmBE\$AmaEg Ho$ {V ^maVr` boImH$Z
_mZH$m| Ho$ A{^gaU Ho$ {bE AnZr$naoIm _| `h {d{Z{X> {H$`m h
{H$ g^r ~r_m H$n{Z`m C$ _mZH$m| H$m AZwnmbZ H$aVo hE 1 Ab,
2012 H$s pW{V Ho$ AZwgma AnZo ma{^H$ VwbZ-n H$mo nmV[aV
H$a|Jr & H$nZr H$m` _mb` mam `h {{V~Vm Cn`w$ VmarI VH$
AmBE\$ AmaEg Ho$ {V A{^gaU Ho$ {bE m{YH$aU mam {H$ò Jò
dm`Xo Ho$ AmYma na `$ H$s JB Wr& VWm{n, m{YH$aU H$s `h
{g\$m[ae Bg AmYma na Wr {H$ AVaam>r` boImH$Z _mZH$ ~moS>
(AmBEEg~r) mam {deofo $n go ~r_m g{dXmAm| Ama {dmr` n[agn{m`m|
Ho$ _y`mH$Z (AmBE\$AmaEg-9) Ho$ g~Y _| Omar {H$ò Jò {d{^
_mZH$m| H$mo AmBEEg~r mam A{V_ $n {X`m OmEJm VWm Ch| 201213 Ho$ ma^ go H$m\$s nhbo hr M{bV {H$`m OmEJm &
Am{WH$ nyOr (Bgr):

23. Am{WH$ nyOr (Bgr) Ho$ {ZYmaU Ho$ {bE $n aoIm ~r_m H$n{Z`m|
Ho$ g_yMo Omo{I_ ~Y V _| EH$ _hdnyU ^y{_H$m AXm H$aVr h, Omo
~r_mH$VmAm| H$mo ~r_m H$mamo~ma MbmZo _| d`{$H$ ~r_H$VmAm| mam
gm_Zm {H$ò Om aho òH$ Omo{I_ Ho$ {V Am~{Q>V H$s OmZo dmbr
nyOr H$s Cn`w$ am{e H$mo {ZYm[aV H$aZo Ho$ {bE gj_ ~ZmVr h &
Am{WH$ nyOr (Brgr) AbJ-AbJ H$nZr H$s {d{e> Omo[I_ n>^y{_
H$mo {Vq~{~V H$aVr h; VWm gm_m` Vma na òH$ Omo{I_ Ho$ {V
Am~{Q>V H$s OmZodmbr B>V_ nyOr H$m n[a_mU-{ZYmaU H$nZr{d{e> AmV[aH$ _mS>bm| na {Zâ h &
27. m{YH$aU H$s `h YmaUm h {H$ An Ama XrK Ad{Y _| Bg

H$ma Ho$ {d{^ _wm| Ho$ Ame` H$s Cn`w$ g_P Ho$ A^md _|
AmBE\$AmaEg _mZmH$m| Ho$ {V AVaU H$aZm A{YH$ OX~mOr hmoJm
{OgHo$ {bE dm`Xm nyd _| AmBAmaS>rE mam {H$`m J`m Wm& ~r_m
g{dXmAm| Ho$ g~Y _| EgnmoOa Ho$ mn H$mo A{V_ n XoZo Ho$ {bE
OyZ 2011 H$s g_`-gr_m H$m nmbZ H$aZm AmBEEg~r Ho$ {bE
g^d Zht hAm Wm& BgHo$ Abmdm, AmBEEg~r ~r_m A{dXmAm| Ho$
g~Y _| EH$ gr{_V gemo{YV EgnmoOa H$m m$n VwV H$aZo Om
ahm h & AVV: Cgo A{V_ $n XoZo Ho$ ~mX ^r AmBEEg~r CgHo$
H$m`md`Z Ho$ {bE 18 _hrZo H$s g_`md{Y H$s `dWm H$aZo dmbm
h & BgH$m AW `h h {H$ ~r_m g{dXm Ho$ g~Y _| _mZ H$m H$m`d`Z
hoVw {gV~a 2013 VH$ V`ma ahoJm &
24. ~r_m jo _| "Am{WH$ nyOr" Ho$ {ZYmaU Ho$ _hd Ama CgH$s
Amd`H$Vm H$mo `mZ _| aIVo hE AmBAmaS>rE Zo XmoZm|, OrdZ Ama
Ja-OrdZ ~r_m H$n{Z`m|, Ho$ {bE `h A{Zdm` H$a {X`m h, {H$ do
dm{fH$ Vma na Am{WH$ nyOr [anmoQ> VwV H$a|& gJUZ OrdZ
~r_mH$VmAm| Ho$ {bE ~r_m, n[aMmbZ, ~mOma, Mb{Z{Y Ama F$U
Omo{I_m|; Ed Ja-OrdZ ~r_mH$VmAm| Ho$ {bE hm_rXmar, ~mOma, ``,
n[aMmbZ Ama Mb{Z{Y Omo{I_m| Ho$ $n _| loUr~ Omo{I_m| Ho$ gmW
99.50 n{VeV Ho$ Omo{I_-_y` (drEAma) na Aem{H$V EH$ df
g_`-gr_m na AmYm[aV h& ~r_mH$VmAm| H$mo Bg ~mV H$s AZw_[V
Xr JB h {H$ do {d{dYrH$aU bmJy H$aZo H$s gr_m VH$ Hw$b Am{WH$ nyOr
Amd`H$Vm H$mo H$_ H$a| {OgHo$ g~Y _| OrdZ ~r_mH$VmAm| Ho$ {bE
Am{WH$ nyOr Ho$ 30 {VeV H$s CV_ gr_m aIr JB h& m{YH$aU
Ho$ Bg H$X_ H$mo dV_mZ {Z`_ CnmXmZ AmYm[aV \$m_ybm X{>H$moU go
Omo{I_ AmYm[aV nyO
r `dWm H$s {Xem _| AJga hmoZo o H$s Amd`H$Vm
Ho$ {V g^r ~r_mH$VmAm| H$mo gwJmhr ~ZmZo H$m nhbm H$X_ _mZm Om
gH$Vm h&
28. Cn`w$ n[a{W{V`m| _| m{YH$aU Zo H$nZr H$m` _mb` H$mo

{bIm h {H$ do AmBE\$AmaEg _mZH$ H$m AZwnmbZ ~r_m jo Ho$ {bE
H$aZo Ho$ {bE {Z`V 2012 H$s VmarI H$s g_rjm H$a| VWm Bgo V~
VH$ W{JV H$a| O~ VH$ AmBEEg~r ~r_m g{dXmAm| Ama {dmr`
n[agn{m`m| Ho$ _y`mH$Z Ho$ g~Y _| gemo{YV _mZH$ VwV Zht
H$aVm&
Ja-OrdZ H$n{Z`m| Ho$ {bE {dmr` pW{V [anmoQ>:

25. Ja-OrdZ ~r_m H$n{Z`m| Ho$ {bE `h A{Zdm` H$a {X`m J`m h
{H$ do {ZYm[aV \$m_}Q> _| Cn`w$ {dmr` df Ho$ {bE 31 _mM 2011
go ^mdr $n _| dm{fH$ Vma na {dmr` pW{V [anmoQ> (E\$grAma)
4
dm{fH$ [anmoQ>
S>mQ>m doàhmCg:
2010-11
CnmX {d{Z`m_mdbr 2010 Ho$ {dVaU hoVw S>mQ>m~og Ho$ AmXmZXmZ H$mo m{YH$aU mam 1 OwbmB, 2010 H$mo A{Ygy{MV {H$`m
J`m & H$nZr A{Y{Z`_, 1956 Ho$ AVJV J{R>V Ama nOrH$V H$n{Z`m
Ed jor` Jm_rU ~H$ AWdm ghH$mar ~H$ Omo H$manmoaoQ> EO|gr JhU
H$aZo Ho$ {bE nm Zhr h, A~ gofU ([a\$ab) H$nZr Ho$ $n _|
AmdoXZ H$aZo Ho$ {bE nm h& EH$ gofU H$nZr Ho$ AZw_moXZ H$s _mJ
H$aZo Ho$ {bE ~r_m H$nZr mam m{YH$aU H$mo AmdoXZ VwV {H$`m
OmZm Mm{hE& gofU H$n{Z`m| H$mo Ho$db CZHo$ JmhH$m| H$s nyd gh_{V
Ho$ gmW hr CZHo$ S>mQ>~og H$m AmXmZ VwV {H$`m OmZm Mm{hE&
29. ~r_m H$n{Z`m| Ho$ ^mdr H$m`gMmbZ Ho$ {bE Ama gmW hr
nm{bgrYmaH$m| Ho$ {hVm| H$s ajm Ho$ {bE boZXoZ g~Yr {dgZr`,
gm_{`H$ Ama ghr S>mQ>m gJh U, gH$aU Ama gmaU Amd`H$
h, ~r_m gyMZm H|$ (AmBAmB~r), Omo AmBAmaS>rE mam J{R>V EH$
nam_eXmr {ZH$m` h, ~r_mH$VmAm| go boZXoZ Va Ho$ AmH$S>m| H$m
gJh U H$aVm h& AmBAmB~r gy_Mo CmoJ Ho$ AmH$S>m| Ho$ {bE A{YH$m[aH$
gX^ Ho$ EH$b WmZ Ho$ $n _| H$m` H$aVm h VWm `h gw{ZpMV
H$aVm h {H$ VH$mb {ZU` boZo Ho$ {bE ~mOma Ho$ {d{^ {Ibm{S>`m|,
AZwgYmZH$VmAm|, nm{bgrYmaH$m| Ama Am_ OZVm H$mo AmH$S>o CnbY
hmo& AmBAmB~r _moQ>a, dm` Ama `dgm` H$s A` `dmWmAm|
Ho$ g~Y _| Amd{YH$ [anmoQ> H$m{eV H$aVm h&
33. m{YH$aU Zo g^r ~r_m H$n{Z`m| H$mo g^r _mOyXm golfjU

`dWmAm| H$mo g_m H$aZo Ho$ {bE ^r gy{MV {H$`m h Omo AmBAmaS>rE
(~r_m {dkmnZ Ama H$Q>rH$aU {d{Z`_mdbr, 2000) Ho$ {d{Z`_
2(gr) Ho$ Cn~Ym| Ed {d{Z`_ 10(1)(4) Ho$ Xygao naVwH$ Ho$ AmYma
na H$s JB h {Oho N>moS> {X`m J`m h& ~r_m H$n{Z`m| H$mo AmJo `h ^r
gy{MV {H$`m J`m h {H$ do CZ g^r dV_mZ gofU ([a\$ab) `dWmE
g_m H$a| Omo ~r_m CnmX {dVaU Ho$ {bE S>mQ>m~og AmXmZ-XmZ
{d{Z`_mdbr, 2010 Ho$ AZwn Zht Wr&
30. {dmr` df 2010-11 go AmBAmB~r Zo g^r ~r_mH$VmAm| go

boZXoZ g~Yr AmH$S>o (_moQ>a, d`, A{, g_wXr Ama BOr{Z`[aJ)
AmZbmBZ _mS> go gJhrV H$aZm ma^ {H$`m h& AmZbmBZ AmH$S>m|
H$m gJhU _m{gH$ AmYma na do~mgmBQ>: www.iib.gov.in. Ho$
_m`_ go {H$`m Om ahm h & ~r_mH$Vm AnZr H$nZr Ama CmoJ go
g~{YV g_J [anmoQ>m] H$m AdbmoH$Z AmH$S>m| H$s Vw{V Ho$ Va VH$
H$a gH$Vo h & ~r_mH$Vm {H$gr dmhZ H$s Xmdm nyddm [anmoQ> ^r
a{OQ>oeZ g`m/M{gg g`m/BOZ g`m Ho$ AmYma na {Z{_V
H$a gH$Vo h Omo {H$gr _moQ>a dmhZ H$s hm_rXmar gmdYmZr go XoZo _|
CZH$s ghm`Vm H$aVr h &
{eH$m`V {ZdmaU:
34. AmBAmaS>rE H$m Cn^mo$m H$m` {d^mJ ~r_m Ho$ g~Y _| OmJH$Vm
A{^`mZ MbmZo Ho$ A{V[a$ nm{bgrYmaH$m| H$s {eH$m`Vm| g~Y r H$m`
H$mo g^mbVm h& `h H$jm OrdZ Ama Ja-OrdZ ~r_m H$n{Z`m| Ho$
{d nm{bgrYmaH$m| go m {eH$m`Vm| H$s OmM-nS>Vmb H$aVm h&
g^m{dV JmhH$m| Ama nm{bgrYmaH$m| H$mo gy{MV {H$`m OmVm h {H$ do
AnZr {eH$m`V| nhbo g~{YV ~r_m H$n{Z`m| Ho$ nmg Xmà H$a|&
{eH$m`Vm| Ho$ g~Y _o H$nZr Ho$ gmW gnH$ H$aZo Ho$ mam {eH$m`V
H$j CZ {eH$m`Vm| Ho$ {ZdmaU H$mo gwgm` ~ZmVm h& Ohm Amd`H$
hmo, dhm AmBAmaS>rE mam AdofU Ama OmM-nS>Vmb H$m gMmbZ
{H$`m OmVm h& C$ AmBOrgrgr EH$ Q>mob \$s g`m Ho$ _m`_ go
{eH$m`V| m H$a CZH$m nOr`Z H$aVm h& {eH$m`VH$Vm ^r
AmBOrgrgr Ho$ _m`_ go AnZr [eH$m`Vm| H$s pW{V H$m nVm bJm
gH$Vo h& BgHo$ Abmdm, ~r_m H$n{Z`m| go H$s JB Bg Anojm Zo {H$
CZHo$ nmg ~moS> mam AZw_mo{XV {eH$m`V {ZdmaU H$s Zr{V`m hmoZr
Mm{hE; {eH$m`V {ZdmaU Ho$ {bE {deof $n go nhbo {bò Jò {ZU`m|
H$mo ~XbZo (Q>ZAmaCS>) Adgam| Ho$ $n _| AmBAmaS>rE Ho$ {Xem{ZX}em|
_| g~{YV AZwnmbZ H$s AnojmAm|; Ed H$nZr A{êmgZ (H$manmoaoQ>
JdZ]g) Ho$ _mJXeu {gmVm| Ho$ AVJV EH$ A{YXoem_H$ g{_{V Ho$
$n _| nm{bgrYmaH$ ajm g{_{V Ho$ hmoZo H$s Anojm Zo EH$ ~S>r gr_m
VH$ ~ohVa T>J go nm{bgrYmaH$m| Ho$ {hVm| H$s ajm H$s h& BgHo$ A{V[a$,
~r_m H$n{Z`m| mam {eH$m`Vm| Ho$ {ZnQ>mZ H$s {ZJamZr VWm UmbrJV
Ama Zr{V go g~{YV _wm| H$mo nhMmZZo Ho$ {bE [eH$m`Vm| Ho$ _yb
H$maU Ho$ {dbofU hoVw EH$ gmYZ Ho$ $n _| AmBOrE_Eg Ho$ `moJ Zo
nm{bgrYmaH$m| H$s qMVmAm| H$s nhMmZ H$aZo Ama gwYmaH$ H$madmB
ma^ H$aZo _| m{YH$aU H$s ghm`Vm H$s h&
31. hmb hr _| AmBAmB~r Zo Mmoar Ho$ dmhZm| H$s nwZ: m{ gyMZm

Umbr (EgdrAmaAmBEg) Zm_ H$s EH$ H$mb g|Q>a gw{dYm Wm{nV
H$s h {Oggo Mwamò Jò Ama ~mX _| nwZ: m {H$ò Jò dmhZm| Ho$
~r_mH$Vm H$s nhMmZ H$aZo _| nw{bg H$s ghm`Vm H$s Om gHo$&
EgdrAmaAmBEg _| H$moB ^r nw{bg Q>oeZ {OgZo {H$gr Mmoar Ho$
dmhZ H$mo m {H$`m h Ama C$ dmhZ Ho$ ~r_mH$Vm H$m nVm bJmZo H$s
H$mo{ee H$a ahm h, Q>mob \$s Z~a 1800 425 4734 (g{j H$moS>
155266) Ho$ _m`_ go AmBAmB~r go gnH$ H$a gH$Vm h& AmBAmB~r
AnZo S>mQ>m~og _| dmhZ Ho$ ~r_mH$Vm H$m nVm bJmZo Ho$ {bE [anmo{Q>J
A{YH$mar go a{OQ>oeZ g`m, BOZ g`m, M{gg g`m Am{X
Ogr _yb^yV gyMZm m H$aoJm & nw{bg Q>oeZ ^r nwZ: m dmhZ H$m
`moam B-_ob vehiclesrecovered@iib.gov.in. Ho$ _m`_ go
ôO gH$Vo h& m{-gyMZm {anmo{Q>J A{YH$mar mam CnbY H$amò
Jò B-_ob AmBS>r H$mo ôOr OmEJr & AmBAmB~r Ho$ S>mQ>m~og _| dmhZ
Ho$ {ddaU H$s ImoO H$s OmEJr & Ama `{X nm`m OmVm h Vmo dmhZ H$s
nwZ: m{V Ama Cg nw{bg Q>oeZ H$m `moam Ohm dmhZ _mOyX h, H$s
gyMZm XoVo hE ~r_mH$Vm H$mo B-_ob ôOm OmEJm& Bggo ~r_mH$Vm
AJbr H$madmB Ho$ {bE C$ nw{bg Q>oeZ go gnH$ H$aZo _| g_W
hmoJm&
gofU-S>mQ>m~og H$m AmXmZ-XmZ:
32. {d{^ gWmAm| Ho$ gmW ~r_m H$n{Z`m| mam H$s JB gofU H$s
`dWmAm| H$s {H$`m| H$mo gab Ama H$maJa ~ZmZo Ho$ {bE ~r_m
5
dm{fH$ [anmoQ>
nm{bgrYmaH$ H$s gwajm Ho$ {V nhbo:
2010-11
H$s nhMmZ, dJuH$aU, `yZrH$aU Ama {anmo{Q>J Ho$ {bE `mnH$ $naoIm
{ZYm[aV H$aZo _| `mgaV h& `h $naoIm YmoImY{S>`m| Ho$ g~Y _|
AnZo S>mQ>m Ama AZw^d H$m AmXmZ-XmZ H$aZo _| CmoJ Ho$ {bE
gX^ Wbm| Ho$ $n _| `w$ hmoZo Ho$ {bE S>mQ>m~ogm| Ho$ {Z_mU hoVw
OrdZ Ama Ja-OrdZ ~r_m n[afXm| H$mo ^r mogm{hV H$aoJr&
~r_mH$VmAm| H$mo `h gw{Z{V H$aZm Mm{hE {H$ Bg H$ma H$s YmoImYS>r
Ho$ `mgm| H$mo {ZH$mb XoZo Ho$ {bE EH$ ^mdr `dWm H$m`_ H$s OmE
Vm{H$ Xmdm AZwnmV A{YH$ dW n _| aho &
35. nm{bgrYmaH$m| Ho$ {hVm| H$s ajm H$aZo Ho$ Co` go AmBAmaS>rE Zo
AnoH$ nhb| H$s h& XyaW {dnUZ go g~[YV {Xem{ZX}e AmBAmaS>rE
mam Omar {H$ò Jò h Omo XyaW {dnUZ H$s {d{Y, mmo{JH$s _| C{V
Ho$ EH$ n[aUm_, H$m `moJ H$aVo hE JbV {dH$` H$aZo g~Yr MwZm{V`m|
H$m g_mYmZ H$aVo h& EH$ Amoa Ohm ZB Ama VrdVa ga{U`m| Ho$ hmoZo
Ho$ bm^ m H$aZo H$s Amd`H$Vm h, dht Xygar Amoa CZHo$ mam
{Z{_V {H$ò Jò ~Mmd Ho$ amVm| H$mo ~X H$a XoZm O$ar h Ama R>rH$
`hr BZ {Xem{ZX}em| H$m Co` h& AmBAmaS>rE Zo OrdZ ~r_m nm{b{g`m|
Ho$ gmV` Ho$ {bE EO|Q>m| H$mo {Xem{ZX}e Omar {H$ò h {Oggo `h
gw{Z{V {H$`m Om gHo$ {H$ EO|Q>m| mam nm{b{g`m| Ho$ g~Y _| godm
~Zr aho; VWm `h nm{bgrYmaH$ H$s ghm`Vm H$aZo Ho$ XrJ H$m{bH$
b` _| `w$ hmo, Ama _m {~H$s ~T>mZo Ho$ Co` go gMm{bV Z hmo&
Omar {dkmnZm| _| nmaX{eVm:

38. OrdZ ~r_m {dkmnZm| H$s nmaX{eVm _| d{ H$aZo Ho$ {bE m{YH$aU
Zo 16 AJV, 2010 Ho$ AnZo n[an AmBAmaS>rE/bmB\$/
E_AmBEggr/grAmBAma/129/08/2010 mam g^r ~r_m
H$n{Z`m| H$mo `h gw{ZpMV H$aZo Ho$ {bE gy{MV {H$`m {H$ g^r ~r_m
{dkmnZ n> $n go CnmX H$s nhMmZ EH$ ~r_m CnmX Ho$ $n _| H$a|
Ed OrdZ ~r_m gwajm H$s CnbYVm ~VmE & {dkmnZm| _| Ohm JmaQ>r
Ho$ bm^ na {deof ~b {X`m J`m hmo, dhm ~r_mH$VmAm| go `h Ano{jV
h {H$ do CZ eVm] H$mo H$Q> H$a| {OZHo$ AVJV C$ JmaQ>r n[aMm{bV
h& `y{ZQ>-gh~ ~r_m `moOZmAm| Ho$ g~Y _| ~r_mH$VmAm| Ho$ {bE
`h A{Zdm` H$a {X`m J`m h {H$ do H$_ go H$_ N>_mhr AmYma na
AnZo g~{YV do~ nmoQ>bm| na {d{^ AV{Z{hV {Z{Y`m| H$s dmV{dH$
{_{lV n[agn{m`m| H$m H$Q>rH$aU H$a| Vm{H$ g^m{dV JmhH$m| H$mo
n>, dmV{dH$ Ama gm_{`H$ gyMZm CnbY H$amB Om gHo$&
36. nm{bgrYmaH$m| Ho$ {hVm| H$s ajm Ho$ {bE AmBAmaS>rE Zo nhb H$s
h& nm{bgrYmaH$m| H$mo `h `mee H$aZo H$m A{YH$ma h {H$ ~r_m
H$n{Z`m| AnZo {H$ò hE dm`Xo {Z^mE& O~ Egr H$moB ^yb-MyH$ hmoVr
h Omo `m{eV AWdm n[a^m{fV godm Vam| Ho$ AZw$n Zhr h, V~
godm _| H$_r ah OmVr h Omo {eH$m`V Ho$ {bE JwOmBe N>moS>Vr h& ~r_m
H$n{Z`m| mam ^mdr {eH$m`V {ZdmaU H$mo gw{Z{V H$aZo Ho$ {bE
m{YH$aU Zo g_o{H$V {eH$m`V ~Y Umbr (AmBOrE_Eg) ma^
H$s h Omo EH$ AmZbmBZ Umbr h {OgHo$ mam Z Ho$db AmZbmBZ
nOr`Z g^d h, {eH$m`VH$VmAm| mam H$s JB {eH$m`Vm| H$s pW{V
H$m nVm bJm`m Om gH$Vm h Ama Amd{YH$ [anmoQ> {Z{_V H$s Om
gH$Vr h, ~pH$ `h g^r ~r_m H$n{Z`m| Ho$ ~rM {eH$m`Vm| H$m EH$
H|$r` ^S>ma H$m {Z_mU H$aVr h& Bggo AmBAmaS>rE ~mOma `dhma
Ho$ _wm| H$s {ZJamZr H$aZo Ed nm{bgrYmaH$m| H$s ~ohVa ajm gw{Z{V
H$aZo Ho$ {bE Amd`H$ H$X_ CR>mZo _| g_W hmo OmVm h& m{YH$aU
{d{^ _r[S>`m Ho$ _m`_ go ~r_m {eH$m`H$ {ZdmaU Um{b`m|,
nm{bgrYmaH$m| Ho$ A{YH$mam| Ama H$V`m| Am{X Ho$ ~mao _| OmJ$$m
{Z{_V H$aZo Ho$ {bE EH$ gVV A{^`mZ MbmVm ahm h&
EO|Q> H$m {ejU/AhVm:

39. OrdZ ~r_m `dgm` H$s ^mdr g\$bVm g~go `mXm CZ bmoJm|
Ho$ kmZ Ama CZH$s B_mZXmar na {Zâ h Omo JmhH$m| H$mo gyMZm XoVo h
-VWm CZH$m nhbm Ama gdm{YH$ _hdnyU gnH$ - {~Xw h &
AmBAmaS>rE Ho$ Va na {d{Z`m_H$ H$m b` `h XoIZm h {H$ OrdZ
~r_mH$Vm ~mH$s bmoJm| H$mo AmH${fV H$aZo, o[aV H$aZo Ama {VYm[aV
aIZo _| A{YH$m{YH$ g_W hmo, {dmr` gbmh Ho$ {V EH$ 'Amd`H$VmAmYm[aV" [Q>H$moU AnZmZo Ho$ {bE {V~ hm|&
Xmdm {ZnQ>mZ Ama YmoImYS>r:
40. Cn`w$ H$mo `mZ _| aIVo hE AmBAmaS>rE Zo _mOyXm OrdZ ~r_m

EO|Q> bmBg|grH$aU AhVm H$s EH$ JhZ g_rjm gMm{bV H$s & `h
{ZU` {b`m J`m {H$ ^maVr` ~r_m gWmZ (AmBAmBAmB) mam
gMm{bV OrdZ ~r_m EO|Q>m| Ho$ {bE ^Vu-nydu narjm hoVw AhVm
_mOyXm AmBgr-33 ""mopQ>g H$aZo Ho$ {bE bmBg|g"" H$mo ~T>mZo _|
MmQ>S> B`ya|g BpQ>Q>`yQ> (grAmBAmB), bXZ H$s {deofkVm H$m
Cn`moJ {H$`m OmE & g^r _w` {hVYmaH$m| Zo Bg b` H$mo m H$aZo
Ho$ {bE EH$gmW H$m` {H$`m& gemo{YV AmBgr-33 nmR>`H$_
AmBAmaS>rE/AmBAmBAmB H$s do~gmBQ> na S>mb {X`m J`m h Omo
{Z:ewH$ S>mCZbmoS> H$aZo Ho$ {bE CnbY h& gemo{YV nmR>`H$_ _|
{ejU 1 Ay$~a, 2011 go ma^ hmo J`m h &
37. ~r_mH$Vm `h gw{Z{V H$aZo Ho$ {bE g^r g^d Cnm` H$a| {H$
Xmdm| Ho$ AdrH$aU H$s KQ>ZmE {~bHw$b `yZV_ gr_m VH$ H$_ H$a
Xr OmE& Bgo g^d ~ZmZo Ho$ {bE do nm{Q>`m| H$mo nhbo hr `h n>
H$aZo Ho$ {bE Cnm` H$a| {H$ ghr Vma na ~r_m gwajm Ama AndOZ
`m h& `{X H$moB Xmdm V~ ^r AdrH$V {H$`m OmZm hmo Vmo Cho do
n[apW{V`m nm{bgrYmaH$ H$mo g_mZw^y{V Ho$ gmW n> H$a XoZr Mm{hE
{OZHo$ AVJV Xmdm nyUV : AWdm AeV: AdrH$ma H$aZm hmoJm, Vm{H$
{H$gr {ddmX go ~Mm Om gHo$& BgHo$ Abmdm, Ch| Egr Um{b`m
Wm{nV H$a XoZr Mm{hE Omo g^m{dV JmhH$ H$mo AWôX n> H$aZo Ho$
~mX g{dXmAm| H$m {ZnmXZ gw{Z{V H$a|& {go$ H$m Xygam nhby Ad`
OmZ~yPH$a H$s OmZodmbr YmoImY{S>`m| Ho$ {df` _| gVr Ho$ gmW
H$madmB H$aZm h VWm g{dXm H$s eVm] _| {H$gr ^r Vah Ho$ _XZ H$mo Z
hmoZo XoZm dW Xmdm AZwnmVm| H$mo m H$aZo H$s {Xem _| H$m` H$aZo
H$m Xygam VarH$m h& m{YH$aU dV_mZ _| ~r_m g~Yr YmoImY{S>`m|
41. `h ZdrZ nmR>H$_ Ama gemo{YV AhVm {OgH$m Cn`moJ A~

EO|Q> H$a|Jo, m{YH$aU H$s H$m`Zr{V H$m EH$ A`md`H$ AJ h &
AmBAmaS>rE Zo EH$ Eogo nmR>`H$_ H$mo {dH${gV {H$`m h Omo AnZr
6
dm{fH$ [anmoQ>
`m{ Ama JhamB _| MwZmVrnyU h& `h Z Ho$db EO|Q>m| H$m| V`m| Ama
AmH$S>m| H$mo `mX H$aZo Ho$ {bE _m mogm{hV H$aVm h, ~pH$ CZHo$
kmZ, g_P Ed `mdhm[aH$ dmV{dH$ OrdZ H$s pW{V`m| Ho$ `mnH$
Xmào _| CZH$m Cn`moJ H$aZo H$s VWm CZH$s Hw$ebVm H$s ^r narjm
boVm h&
2010-11
g_yhm| H$s nhMmZ H$aZm Ama CZgo g~{YV qMVmAm| Ama _wm| H$m
g_mYmZ H$aZm&
{dmr` jo _y`mH$Z H$m`H$_ (E\$EgEnr):
44. {dmr` jo _y`mH$Z H$m`H$_ (E\$EgEnr) AVaam>r` _wm
H$mof Ama {d ~H$ H$s EH$ g`w$ nhb h Omo 1990 Ho$ ~mX Ho$ XeH$
_| _opgH$mo, $g Ama nydu E{e`m _| AmE {dmr` gH$Q>m| H$s n>^y{_ _|
1999 _| ma^ hAm & gX` Xoem| mam E\$EgEnr _| gh^m{JVm
d{N>H$ h, VWm BgH$m b` gX` Xoem| _| {dmr` Um{b`m| H$s
pWaVm Ama AmKmV-ghZr`Vm H$m AmH$bZ H$aZm h& E\$EgEnr Ho$
AZw>mZ _| VZmd narjU Ama pW{V H$m {ZYmaU VWm {ZYm[aV jo
Ho$ {d{Z`_Z Ama n`dojU _| AVaam>r` {dmr` _mZH$m| Ama Hy$Q>m| H$m
H$m`d`Z em{_b h&
`j {ZarjUm| H$m gwT>rH$aU:

42. df 2010-11 Ho$ XmamZ Zm OrdZ Ama Xg Ja-OrdZ ~r_m
H$n{Z`m| H$m `mnH$ Vma na {ZarjU {H$`m J`m (O~{H$ df 200910 _| {H$gr H$m {ZarjU Zht {H$`m J`m Wm) Ama gmW hr 14
_`d{V`m|/Xbmbm|/H$manmoaoQ> EO|Q>m| Ama 5 Q>rnrE; Ed Ama{jV
{Z{Y`m| H$s n`mVm, {Zdoe n[aMmbZ, Am{X Ogo {d{e> `moOZm| Ho$
{bE A` {ZarjU {H$ò Jò& Ogm {H$ {nN>br [anmoQ> _| dMZ {X`m
J`m Wm, gd{YV n`dojr ggmYZm| Ho$ gmW {ZarjU {d^mJ H$mo _O~yV
~Zm`m J`m h {Oggo n`dojr JmT>Vm H$mo ~T>mZo Ho$ {bE _mJ eV
{H$`m J`m h {OgH$m b` CZ g^r H$n{Z`m| H$m {ZarjU H$aZm h
{OgH$m {ZarjU nyd _| Zht {H$`m J`m h Ama {Oho nyOr n`mVm,
Omo{I_ ~Y, A{êmgZ (JdZ}g) Ama r{_`_ Ho$ AmH$ma Ho$
_mZXS>m| Ho$ AmYma na H$_Omoa g_Pm J`m h& m{YH$aU Ho$ {bE
A{db~ {ZH$Q> ^{d` _| Omo{I_ AmYm[aV n`dojU H$s Amoa AJga
hmoZo H$s Amd`H$Vm h, VWm `j n`dojU Ho$ _m`_ go Omo{I_
~Y H$s WmAm| H$m {ZYmaU Bg {Xem _| Bg H$ma H$m EH$ H$X_
hmoJm&
45. ~r_m jo _| E\$EgEnr H$m AZw>mZ AVaamQ>r` ~r_m n`dojH$

gK (AmgEAmBEg) mam ~r_m g~Yr _w` {gmVm| (AmBgrnrEg)
Ho$ AmYma na agMm{bV {H$`m OmVm h Omo _w` A{YH$ma-jom| Ho$
~rM ~r_m jo Ho$ {ddoH$nyU {d{Z`_Z Ama n`dojU Ho$ {bE _wI
d{H$ _mZH$ h&
46. ^maV H$mo hmb hr _| {dmr` pWaVm ~moS> (E\$Eg~r) mam AmJo
Ama _y`mH$Z Ho$ {bE A{YH$ma-jo Ho$ $n _o loUrH$V {H$`m J`m
h & {d{e> $n go `h {Z[X> {H$`m J`m Wm {H$ ^maV mam AmBEAmBEg
_w` {gmVm| Ho$ nmbZ Ho$ g~Y _| E\$Eg~r Ho$ nmg An`m OmZH$mar
CnbY h& E\$Eg~r mam {Xò Jò loUrH$aU _| gwYma bmZo _| g_W
hmoZo Ama ^maVr` {dmr` jo H$s {dmr` j_Vm Ho$ [Q>H$moU go EH$
gwYm[aV _m`Vm m H$aZo Ho$ {bE ^maV gaH$ma Zo d`nU
y E\$EgEnr
H$mo AnZr gh_{V VwV H$aZo H$s gyMZm Xr, {Ogo AmBE_E\$-{d
~H$ mam 2011 _| H$m`mpdV H$aZm Vm{dV h& AmBE_E\$-{d
~H$ H$s EH$ Q>r_ Zo OZdar 2011 _| ma{^H$ ~R>H$ Ho$ {bE AnZo
AmJ_Z Ama `j {ZarjU Ho$ XmamZ {dmr` jo Ho$ {d{^ {d{Z`m_H$m|
Ama CmoJ Ho$ gh^m{J`m| Ho$ gmW ~R>Ho$ H$s Wt & OyZ 2011 Ho$
XmamZ ~r_m jo _| AmBEAmBEg Ho$ {d{^ _w` {gmVm| Ho$ AZwnmbZ
H$s {dVV g_rjm H$s JB& BgHo$ ~mX Ay$~a 2011 _| EH$ Ama Xma
H$s ~R>H$ hB&
{dmr` pWaVm:
43. 2010-11 Ho$ H|$r` ~OQ> H$s KmofUm Ho$ AZwgma {dmr` pWaVm
Ama {dH$mg n[afX (E\$EgS>rgr) H$s WmnZm {Xg~a 2010 _| H$s
JB& Bg n[afX Ho$ A`j H|$r` {dm _r h VWm BgHo$ gX`m| _|
{dmr` jo Ho$ {d{Z`m_H$m| Ho$ _wI Ama {dm _mb` Ho$ _w` {d^mJm|
Ho$ {V{Z{Y em{_b h& `h {dmr` pWaVm, AVa-{d{Z`m_H$ g_d`,
{dmr` jo {dH$mg Ama ^maVr` AW`dWm Ho$ g_{>-{ddoH$nyU
n`dojU go g~{YV {d{^ {df`m| Ho$ g~Y _o H$m` H$aVr h& Bg
n[afX H$s WmnZm go boH$a A~ VH$ BgH$s VrZ ~R>H|$ hB h VWm
BZ_| {d{^ g~{YV _wm| na {dMma-{d_e {H$`m J`m& BgHo$ Abmdm,
E\$EgS>rgr H$s EH$ Cn g{_{V H$m ^r JR>Z {H$`m J`m& Bg Cn
g{_[V Zo {dmr` jo Ho$ {d{Z`m_H$m| H$s {dmr` ~mOmam| g~Yr dV_mZ
CMVar` g_d` g{_{V (EMEbgrgrE\$E_) H$m WmZ {b`m h &
Bg Cn g{_{V Ho$ A`j ^maVr` [aOd ~H$ (Ama~rAmB) Ho$ JdZa
h & C$ Cn g{_{V Ho$ A{YXoe _| em{_b h {dmr` ~mOmam| H$s
{ZJamZr H$aZm Ama {dmr` pWaVm Ho$ {bE g^m{dV IVm| H$s nhMmZ
H$aZm; UmbrJV Omo{I_m| Ho$ {Z_mU Ho$ AmH$bZ H$s g_rjm H$aZm
Ama BgHo$ g~Y _| Cn`w$ {g\$m[ae| H$aZm; UmbrJV Omo{I_m| Ho$
{Z_mU Ho$ AmH$bZ H$s g_rjm H$aZm Ama BgHo$ g~Y _| Cn`wV
{g\$m[ae| H$aZm; AVa-{d{Z`m_H$ g_d` Ho$ {bE EH$ _M CnbY
H$amZm Ama {d{^ {d{Z`m_H$m| Ho$ ~rM gyMZm Ho$ ^mdr AmXmZXmZ H$mo gwgm` ~ZmZm; VWm UmbrJV Vma na _hdnyU {dmr`
~hnjrò gh_{V kmnZ (E_E_Amo`y):

47. {dmr` ~mOmam| Ho$ A{YH$m{YH$ EH$sH$aU Ama AVaam>r` Vma na
g{H$` ~r_m H$n{Z`m| H$s ~T>Vr hB g`m Ho$ gmW hr ~r_m CmoJ Ho$
n`dojH$m| Ho$ ~rM nana gh`moJ Ama gyMZm Ho$ AmXmZ-XmZ H$s
Amd`H$Vm ~T> JB h AVaam>r` ~r_m n`dojH$ gK (AmBEAmBEZ)
Zo AnZo gX`m| Ho$ A{YH$ma-jom| Ho$ ~rM gh`moJ Ama gyMZm Ho$
AmXmZ-mXZ H$mo mogm{hV H$aZo Ho$ Co` go 2007 _| Xw~mB _|
Am`mo{OV AnZr ~R>H$ _| C$ ~hnjr` gh_{V kmnZ (E_E_Amo`y)
H$mo AJrH$V {H$`m Wm&
dm{fH$ [anmoQ>
48. gh`moJ Ama gyMZm Ho$ {d{Z_` g~Yr Bg kmnZ Ho$ hVmjaH$Vm
m{YH$m[a`m| Zo `h drH$ma H$aVo hE Bg kmnZ _| gh_{V A{^`$
H$s h {H$ {d{^ Xoem| Ho$ ~rM gh`moJ Ama gyMZm Ho$ {d{Z`_ go
g~{YV `mdhm[aH$ `dWmE Z Ho$db gH$Q> H$s pW{V`m| _|, ~pH$
A{YH$ma-jo Ho$ n`dojH$m| Ho$ XZ{XZ H$mamo~ma _| ^r Amd`H$ h,
VWm gyMZm H$m AmXmZ-XmZ H$aZo Ama ghm`Vm XmZ H$aZo H$s
j_Vm Ho$ {bE JmonZr`Vm H$s gwajm H$m EH$ C _mZH$ Ano{jV h&
2010-11
2011-12 H$s nhbr {V_mhr _| H$m`{ZnmXZ:

52. OrdZ ~r_mH$VmAm| Zo {dmr` df 2011-12 H$s nhbr {V_mhr
Ho$ XmamZ `18,283 H$amoS> Ho$ Zò H$mamo~ma H$mo hm_rXmar Xr O~{H$
`h 2010-11 _| VXZw$nr nhbr {V_mhr _| 25,522 H$amoS> nò
Wm {Oggo 28.36 {VeV H$s {JamdQ> XO hmoVr h& hm_rXmar {Xò
Jò Zò H$mamo~ma r{_`_ _| go OrdZ ~r_m {ZJ_ (EbAmBgr) H$m
`moJXmZ 13,342 H$amoS> nò (72.98 [VeV ~mOma Ae) ahm
VWm {ZOr ~r_mH$VmAm| H$m `moJXmZ 4,941 H$amoS> nò (27.02
{VeV ~mOma Ae) Wm& 2010-11 H$s VXZw$nr Ad{Y _| BZ
~r_mH$VmAm| H$m ~mOma Ae H$_e: 73.43 {VeV Ama 26.57
{VeV Wm& OrdZ ~r_m CmoJ Zo `y{bg _| 2010-11 H$s nhbr
{V_mhr Ho$ 13,916 H$amoS> nò Ho$ _wH$m~bo 2011-12 H$s nhbr
{V_mhr Ho$ {bE 4,897 H$amoS> nò H$m r{_`_ m {H$`m Omo 64.81
{VeV H$s [JamdQ> XO H$aVm h& CmoJ Zo nman[aH$ `dgm` _o OyZ
2010 H$mo g_m {V_mhr Ho$ {bE XO 11,606 H$amoS> nò H$s
VwbZm _| OyZ 2011 H$mo g_m {V_mhr Ho$ {bE 13,386 H$amoS> nò
H$m r{_`_ m {H$`m Omo 15.34 {VeV H$s d{ XemVm h &
49. C$ E_E_Amo`y H$m Co` ~r_m H$n{Z`m| Ho$ n`dojU Ho$ g~Y _|
hVmjaH$Vm m{YH$m[a`m| Ho$ ~rM gh`moJ Ama gyMZm Ho$ {d{Z`_ Ho$
{bE EH$ AmnMm[aH$ AmYma Wm{nV H$aZm h Ohm gr_m nma nhby
Cn hmoVo h & BgHo$ AVJV bmBg|grH$aU, {ZaVa n`dojU Ama
g_mnZ H$s n{H$`mAm| Ogo ~r_m H$n{Z`m| Ho$ n`dorU go g~{YV g^r
_wm| H$mo em{_b H$aVo hE n`do{jV ~r_m H$n{Z`m| Ho$ n[aMmbZm| go
g~{YV gyMZm Ho$ {bE AZwamoY H$aZm Ama Cgo CnbY H$amZm
gp_{bV h & C$ E_E_Amo`y ~r_m _`d{V`m| Ogr A` {d{Z`{_V
gWmAm| Ho$ n`dorU, Ama EE_Eb/grE\$Q>r _m_bm| na ^r bmJy h&
VWm{n, C$ ,E_E_Amo`y Ho$ mdYmZm| H$m Co` H$moB H$mZyZr Vma na
~m`H$mar Xm{`d {Z{_V H$aZm AWdm {H$gr Am{YH$m[aH$ H$mZyZ H$m
gemoYZ `m A{YH$_U H$aZm Zht h, Ama Z hr ò `j `m namoj $n
go bmJy H$aZo `mo` A{YH$ma h&
53. Ja-OrdZ ~r_mH$VmAm| Zo Mmby {dmr` df H$s nhbr {V_mhr Ho$

XmamZ 14,046 H$amoS> nò Ho$ r{_`_ H$mo hm_rXmar Xr VWm Bg
H$ma Chm|Zo 2010-11 H$s Bgr Ad{Y _| hm_rXmar {Xò Jò
11,480 H$amoS> nò H$s VwbZm _| 22.35 {VeV H$s d{ XO H$s &
{deofrH$V ~r_mH$VmAm| Ama dm` ~r_mH$VmAm| g{hV {ZOr jo Ho$
Ja-OrdZ ~r_mH$VmAm| Zo Ab-OyZ 2010 Ho$ 4,725 H$amoS> nò
Ho$ _wH$m~bo Ab-OyZ 2011 _| 6,020 H$amoS> nò Ho$ r{_`_ H$mo
hm_rXmar Xr {Oggo 27.40 {VeV H$s d{ n[ab{jV hmoVr h &
gaH$mar jo Ho$ Ja-OrdZ ~r_mH$VmAm| Zo 8,026 H$amoS> nò Ho$
r{_`_ H$mo hm_rXma Xr Omo 18.82 {VeV A{YH$ Wm (2010-11
H$s nhbr {V_mhr _| 6,754 H$amoS> nò Wm)& {deofrH$V ~r_mH$VmAm|
Ama dm` ~r_mH$VmAm| g{hV gaH$mar Ama {ZOr ~r_mH$VmAm| H$m
~mOma Ae {V_mhr Ho$ AV _| H$_e: 57.14 Ama 42.86 {VeV
ahm (OyZ 2010 Ho$ AV _| `h 58.81 Ama 41.19 Wm)&
50. AmBAmaS>rE Zo hmb hr _| `$ E_E_Amo`y H$m EH$ hVmjaH$Vm

~ZZo Ho$ {bE AmBEAmBEg Ho$ g{Mdmb` H$mo AnZm AmdoXZ VwV
{H$`m h Omo _y`mH$Z Ho$ Va na h& EH$ ~ma AmBEAmBEg mam
AZw_mo{XV hmoZo na AmBAmaS>rE A` gX`m| Ho$ A{YH$ma-jom| go
CnbY gyMZm VH$ ~hma nhM aIoJm&
EE_Eb/E\$EQ>rE\$ na nhbo:
51. ^maV Ho$ g~Y _| nman[aH$ _y`mH$Z [anmoQ> Ho$ _m`_ go
{dmr` H$madmB H$m`Xb (E\$EQ>rE\$) H$s 40+9 {g\$m[aem| Ho$
AZwnmbZm| H$m nyU $n go {ZYmaU/_y`mH$Z H$aZo Ho$ ~mX OyZ 2010
brZar _| {dmr` H$madmB H$m`Xb (E\$EQ>rE\$) _| ^maV H$mo gX`Vm
XmZ H$s JB Wr& E\$EQ>rE\$ _o gX`Vm go g~{YV _wm| na
g_d`H$mar {ZH$m` Ho$ $n _| J{R>V E_E_b/grE\$Q>r (AmBE_grgr)
g~Yr AVa-_mb`rZ g_d` g{_{V H$m AmBAmaS>rE EH$ g{H$`
gX` Wm& ~r_m jo _| C$ EE_Eb/grE\$Q>r {Xem{ZX}em| Ho$ ^mdr
H$m`md`Z H$s {Xem _| m{YH$aU mam H$s JB {d{^ nhbm| Ho$ ^mJ
Ho$ $n _| EE_Eb/grE\$Q>r {Xem{ZX}em| Ho$ EH$b WmZ na gX^ Ho$
$n _| EH$ _mQ>a n[an Omar {H$`m J`m& ~r_m H$n{Z`m| Ho$ Q>m\$ Ho$
{bE OZgmYmaU VH$ nhMZo Ho$ (AmD$Q>arM) H$m`H$_ Am`mo{OV
{H$ò Jò& EE_Eb/grE\$Q>r {Xem{ZX}em| Ho$ ^mdr H$m`d`Z H$s
{Xem _| AmBAmaS>rE _mb` Ho$ {d{^ {d^mJm|/EO|{g`m| Ho$ gmW
K{Z>VmnydH$ H$m` H$aVm h& E\$EQ>rE\$ H$mo dMZ {Xò Jò AmBAmaS>rE
Ho$ Anmd{Y H$m`{~XwAm| H$mo nyam {H$`m J`m h& AmBAmaS>rE {\$bhmb
_`md{Y H$m`-`moOZm nyar H$aZo H$s {Xem _| H$m` H$a ahm h&
54. EH$b (Q>S>AbmoZ) dm` ~r_mH$VmAm| H$m `moJXmZ 201112 _| 496 H$amoS> nò ahm (2010-11 _| `h 364 H$amoS> nò
Wm) Omo 36.26 {VeV d{ XO H$aVm h& {deofrH$V H$n{Z`m|
BgrOrgr Ama ^maVr` EAmBgr H$m AeXmZ 2011-12 H$s nhbr
{V_mhr _| 376 H$amoS> nò (2010-11 _| 357 H$amoS> nò) Wm
{OgZo 5.32 {VeV H$s d{ XO H$s&
dm{fH$ [anmoQ>
2010-11
^mJ-I
{Z{V`m Ama H$m`H$_
I.1 gm_m` Am{WH$ n[a`
I.1.4 WmoH$ _y` gyMH$mH$ (S>`y nr AmB) _| CVma MT>md mam
I.1.1 ^maVr` AW`dWm Zo 2010-11 _| AmJo Ama gwYma {XIm`m
_mnr OmZo dmbr df Xa-df AmYma na, _wm \$r{V, JV df (10.2

{VeV) Ho$ _wH$m~bo _mM AV 2011 H$mo H$_ Va na, AWmV 9
{VeV Wr& df 2010-11 _| AmgV _wm\$s{V Xa 9.4 {VeV
ahr & ^maVr` {dmr` ~mOmam| _| g_J ApWaVm (dmobo{Q>{bQ>r) ([aOd
~H$ mam "JmM _mS>b" mam _mnm) _B 2010 _| C A{WVm H$s EH$
N>moQ>r gr Ad{Y H$mo N>moS> H$a, JVdf Ho$ _wH$m~bo, g_yMo df 201011 _| H$m\$s H$_ ahr& _wm ~mOma Xa|, df Ho$ ewAmVr, ^mJ (AbOyZ 2010) _| WmoS>r gr ~T>r Ama df Ho$ ~mX Ho$ {hgo _| Ama `mXm
~T>r & Ab-OyZ 2010 _| "AmgV X{ZH$ _mJ _wm Xao"" 32 ~o{gg
dmBQ>g ~T>r Ama df Ho$ ~mX Ho$ _hrZm| _| ò 3 {VeV q~Xw ~T>r & df
Ho$ XmamZ nyOr ~mOma H$_modoe gr_m~XY (aoO~mCS>) hr ahm& eoà
~mOma gyMH$mH$ df Ho$ XmamZ ~T>m, hmbm{H$ 2010-11 Ho$ Am{Iar
_hrZm| _| H$aoeO Ho$ H$maU, Bg_| WmoS>r {JamdQ> AmB & ~r Eg gr
gogog Zo Zd~a 2010 _|, 21,000 H$m Va Nw>Am Wm, _Ja _mM
2011 Ho$ AV _| 19,445 Ho$ Va na Am J`m, Omo {H$ JV df Ho$
AV Ho$ _wH$m~bo 10.9 {VeV A{YH$ Wm&
Ama gH$b Kaoby CnmX (OrS>rnr) H$s dX{Y Xa 8.5 {VeV XO

H$s O~{H$ 2009-10 _| `h Xa 8.0 {VeV VWm 2008-09 _|
6.8 {VeV Wr& 2008-09 H$s _Xr Ho$ ~mX `h bJmVma Xygam df
Wm O~{H$ AW`dWm Zo OrS>rnr _| dX{Y {XImB & df 2008-09
_| J{V _w`V: Yr_r Bg{bE ahr Wr `m|{H$ g_yMo {dd _| {dmr`
gH$Q> N>m`m hAm Wm& {dd H$s A` ZB AW`dWmAm| Ho$ _wH$m~bo,
^maVr` AW`dWm _| gwYma H$s J{V OXr Ama H$m\$s AN>r ahr &
2010-11 _| ^maVr` AW`gWm _| hE gwYma H$s _w` dO` ahr,
H${f jo _| dX{Y& H${f jo {nN>bo Xmo dfm] go H$m\$s Yr_m Mb ahm Wm
naVw _w`V: AN>o _mZgyZ Ho$ H$maU 2010-11 _| Bg_| H$m\$s
VoOr AmB & Bg df X{jU npM_r _mZgyZ Z Ho$db gm_m` ahm
~pH$ BgH$m {dVaU ^r AN>m ahm & Cma-nydu _mZgyZ H$s dfm Vmo
gm_m` go ^r A{YH$ ahr Omo {H$ JV XeH$ _| Zht XoIr JB Wr &
VXZwgma H${f jo _| dX{Y Xa, CN>b H$a 6.6 {VeV hmo JB Omo{H$
JV Xmo dfm] _| ZJ` gr Wr (2008-09 _|, 0.1 {VeV VWm
2009-10 _| 0.4 {VeV Wr)&
I.1.5 df H$s Xygar N>_mhr _| {Z`mV ~T>Zo go 2010-11 _| ^wJVmZ
gVwbZ _| gwYma Am`m& Bggo ^maV Ho$ {dXoer _wm ^S>ma _| ~T>moVar
hB Ama `h _mM AV 2010 Ho$ 279.06 {~{b`Z A_arH$s S>mba
Ho$ _wH$m~bo, _mM AV 2011 _o 304.82 {~b`Z A_arH$s S>mba hmo
J`m&
I.1.2 _hdnyU AmYma^yV CmoJm| _| _Xr Ho$ H$maU, CmoJ jo H$s
dX{Y Xa, JV df Ho$ 8.3 {VeV go {Ja H$a 2010-11 _| 7.8

{VeV ah JB & H$mo`bm CnmXZ _| H$_r AmZo Ama W_b {~Obr H$m
CnmXZ H$_ hmoZo go, IZZ Aa {~Obr CmoJm| _| JV df Ho$ Va Ho$
_wH$m~bo 2010-11 _| [JamdQ> AmB, Omo{H$ qMVm H$m {df` ~Zr,
`m|{H$ {ZMbo Va H$s _mJ _| H$m\$s A{YH$ dX{Y hB& godm jo ^r
2010-11 _| {JamdQ> H$m {eH$ma hAm Ama 2009-10 Ho$ 9.7
{VeV Ho$ _wH$m~bo Bg df d{ Xa 9.2 {VeV ah JB & Eogm
_w`V: gm_wXm{`H$ gm_m{OH$ Ama `{$JV godmAm| _| {JamdQ> AmZo
Ho$ H$maU hAm & VWm{n ~m _mJ na AmYm[aV godmAm|, Ogo gbm{Z`m|
Ho$ AmJ_Z, AVam>r` Q>{_Zbm| na AmE `mr, {Z`mV Ama Am`mV
_mb _|, 2010-11 _| ~ohVa dX{Y hB &
I.2 {dd ~r_m n[a`

I.2.1 {dd Ho$ _wI nwZ~u_mH$Vm pdg ao Ho$ mam H$m{eV {dd
~r_m [anmoQ> Ho$ AZwgma df 2010 Ho$ H$boS>a df Ho$ AZwgma {dd
~r_m r{_`_ 4339 {~{b`Z A_arH$s S>mba Wm Omo {H$ JV H$boS>a
df 2009 _| XO 4109 {~{b`Z A_arH$s S>mba Ho$ _wH$m~bo 2.7
{VeV (_wm\$s{V g_m`mo{OV) A{YH$ Wm&
I.2.2 Hw$b r{_`_ dgybr _| OrdZ-~r_m-H$mamo~ma H$m {hgm 58
{VeVWm & Ohm OrdZ ~r_m H$mamo~ma Zo, r{_`_ $n _| 2520

{~{b`Z A_arH$s S>mba H$m H$mamo~ma dgybm dht Ja-OrdZ ~r_m
H$mamo~ma Ho$ {bE `h am{e 1818 {~{b`Z A_arH$s S>mba Wr& CâVo
~mOma _| OrdZ ~r_m r{_`_ _| 13 {VeV dX{Y hmoZo Ho$ n[aUm_
dn, df 2010 Ho$ XmamZ, {dd OrdZ ~r_m H$mamo~ma Ho$ r{_`_
_| 3.2 {VeV H$s dX{Y hB &
I.1.3 2010-11 _| Kaoby ~MV| pWa ~Zr ahr VWm{n n[admam| H$s
Hw$b {dmr` ~MVm| _|, OrdZ ~r_m {Z{Y`m| H$m {hgm 2010-11 _|
H$m\$s ~T>m Ama ~T>H$a 24.2 {VeV hmo J`m O~{H$ 2009-10 _|
`h 22.6 {VeV Wm Ama 2008-09 _| 21.0 {VeV Wm & VWm{n,
2010-11 _| ^{d` {Z{Y Ama n|eZ {Z{Y Ho$ {hgo _| {JamdQ> AmB
Ama `h 2009-10 Ho$ 11.5 {VeV Ho$ Va go {JaH$a df 201011 _| 9.1 {VeV ah JB.
dm{fH$ [anmoQ>
2010-11
Xoem| _| ^wgmm-H$O (gmodarZ S>Q>) VWm Am{WH$ nwZWmZ H$s

_O~yVr Ho$ ~mao _| qMVmE H$Q> {H$E OmZo Ho$ H$maU, eoà ~mOmam| _|
H$m\$s CVma-MT>md ~Zm ahm & {~H$s _| gwYma, H$_ MyH$m| VWm {dmr`
n[agnpV`m| na C nyOr bm^ go, n[aMmbZ _m{OZm| H$mo H$m\$s
_XX {_br VWm{n {VHy$b `mO Xam| H$s dOh go, bm^XVm H$m\$s
H$_ ~Zr ahr &
Vm{bH$m I.1
df 2010 Ho$ XmamZ r{_`_ _| dmV{dH$ (ar`b) dX{
({VeV _|)
jo/Xoe
OrdZ
Ja OrdZ
Hw$b
Ammo{JH$ Xoe
1.8
1.0
1.4
CâVo ~mOma
13.0
8.5
11.0
E{e`m
4.2
6.1
4.7
^maV**
4.2
8.1
4.9
{dd
3.2
2.1
2.7
I.2.5 2011 _|, Am{WH$ nwZWmZ Omar ahZo H$s C_rX h, {Oggo
Ammo{JH$ Xoem| Ama CâVo ~mOmam| _| OrdZ Ama Ja-OrdZ ~r_m jo
Ho$ r{_`_m| _| ~T>moVar hmoZo H$s Amem h & `mO Xam| _| eZ: eZ:
dX{Y hmoZo go, XmoZm| jom| _| bm^XVm H$_ ~Zr ahoJr & OmnmZ Ama
`yOrbS> _| AmE {dZmeH$mar ^yH$nm| go, BZ Xoem| _|, H$s_Vm| _| ~T>moVar
hmo OmEJr Ama [ddâ _|, Xa| Za_ hmoZo H$s d{m H$mo amoH$Zo _| _XX
{_boJr &
moV: pdg ao {g_m Z. 3/2011, {Q>nUr: H$boS>a df

** {dmr` df 2010-11
I.2.3 df 2010 Ho$ XmamZ, {dd _| Ja OrdZ-~r_m r{_`_m| _|,
2.1 {VeV H$s ~T>moVar hB& E{e`m VWm jo Ho$ ZE Ammo{JH$ jom|
_| _O~yV Am{WH$ nwZWmZ Zo Ohm Ja OrdZ ~r_m jo _| dX{Y H$mo
AmJo ~T>m`m dht, H$mamo~ma H$s Hw$N> M`{ZV n{$`m| _o, Hw$N> M`{ZV
Xoem| H$mo N>moS>H$a, `yamon VWm A_arH$m _| H$_ _y`Z Ho$ H$maU, dX{Y
H$s J{V Yr_r ahr & n[aUm_dn "AmgV-mH${VH$-pW{V-j{V`m|"
VWm {ZaVa ma{jV {Z{Y`m Omar H$aZo Ho$ ~mdOyX, 2010 _| Omo{I_
AH$Z n[aUm_m| _| Ama ^r A{YH$ {JamdQ> AmB & My{H$ {Zdo{eV
n[agn{m`m| na nyOrJV bm^m| Zo, H$_ {Zdoe m{`m| H$mo Ho$db Am{eH$
$n go hr {VgV{w bV (Am\$goQ>) {H$`m, AV: Hw$b bm^XVm H$_
hr ahr &
I.2.6 Hw$b {_bmH$a, ~r_m CX`moJ Bg gH$Q> go H$m\$s AN>r Vah

C~am h& AmJm_r dfm] _|, CâVo ~mOmam| _|, ~r_o H$s _mJ, H$m\$s VoOr
go ~T>Vo ahZo H$s C_rX h & ~S>r Am`w dmbm g_mO OrdZ ~r_mH$VmAm|
H$mo H$m\$s Agda XmZ H$aoJm & VWm{n ~r_mH$VmAm| Ho$ AmJo A^r ^r
H$m\$s MwZm{V`m h Ogo {H$ hmo gH$Vm h `yamonr` g^wVm H$O _| dX{Y
Ho$ H$maU Am[WH$ nwZ: gwT>Vm H$s {H$`m nQ>ar go CVa OmE `m Vob
H$s H$s_V| Am{WH$ pW{V H$mo ^m{dV H$a|& emoYj_Vm-2 Ogo
{d{Z`m_H$ gwYmam| go A`{YH$ H$S>r nyOr AnojmE {ZYm[aV hmo gH$Vr
h, {OZgo bm^ XVm _| H$^r Am gH$Vr h Ama AVV: ~r_mH$VmAm|
Ho$ gm_Zo EH$ MwZmVr IS>r hmo gH$Vr h& gaH$mar H$O gH$Q> _| dX{Y
hmoZo go ~r_mH$VmAm| H$s n[agn{m`m| H$m jaU ^r hmo gH$Vm h `m|{H$
~r_mH$VmAm| Ho$ nmg g^wVm H$O (gmodarZ S>Q>) VWm ~H$m| mam Omar
~mS> h& Am_Vma na `h Anojm H$s Om ahr h {H$ bm^XVm Hw$N>
g_` VH$, gH$Q>-nyd Vam| go ZrMo ~Zr ahoJr &
I.2.4 {ddâ Ho$ eoà ~mOmam| _| [aH$dar Omar ahr& n[aUm_dn
~r_mH$VmAm| H$s nyOr pW{V`m| Ama {Zdoe {V\$b _| gwYma Am`m

`y{ZQ> `w$ OrdZ ~r_m CnmX H$s _mJ ^r ~T>r & VW{n Hw$N> `yamonr`
MmQ> I.1
M`{ZV Xoem| _| ~r_m KZd-2010

pdOabS>
`wZmBQ>oS> qH$JS>_
OmnmZ
\$mg
g`w$am` A_arH$m
hmJ H$mJ
AmQ>o{b`m
VmBdmZ
O_Zr
qgJmnwa
X{jU H$mo[a`m
X{jU A\$sH$m
{dd
_bò{e`m
~mOrb
$g
WmBbS>
nr.Ama.MrZ
^maV
lrbH$
nm{H$VmZ
~mJbm Xoe
Ja-OrdZ
OrdZ
Hw$b
1000
2000
3000
4000
moV: pdgao, {gJ_ g. 3/2011 AmH$S>o A_arH$s S>mbam| _|

10
5000
6000
7000
dm{fH$ [anmoQ>
2010-11
MmQ> I.2
M`{ZV Xoem| _| ~r_m AV: doeZ-2010

VmBdmZ
X{jU A\$sH$m
`wZmBQ>oS> qH$JS>_
hmJ H$mJ
X{jU H$mo[a`m
\$mg
OmnmZ
pdOabS>
g`w$am` A_arH$m
O_Zr
{dd
qgJmnwa
AmQ>o{b`m
^maV
_bò{e`m
WmBbS>
nr.Ama.MrZ
~mOrb
$g
lrbH$
~mJbm Xoe
nm{H$VmZ
0.00
Ja-OrdZ
OrdZ
Hw$b
2.00
4.00
6.00
8.00
moV: pdgao, {gJ_/ g. 3/2011
10.00 12.00 14.00 16.00 18.00 20.00
{VeV
moV: pdgao, {gJ_ g. 3/2011 AmH$S>o A_arH$s S>mbam| _|
{dd n[a` _| ^maVr` ~r_m
^maV _| ~r_m AV: doeZ VWm KZd
I.2.7 pdg ao mam {OZ Xoem| Ho$ AmH$S>o H$m{eV {H$E OmVo h, CZ
I.2.9 {H$gr Xoe _| ~r_m AV doeZ Ama KZd H$m _mn Cg Xoe _|
156 Xoem| _| go ~r_m H$mamo~ma _| ^maV H$m Zmdm WmZ h& df

2010-11 _|, ^maV _| AmgV OrdZ ~r_m r{_`_ 4.2 {VeV
~T>m (_wm\$s{V g_m`mo{OV) VWm{n Bgr Ad{Y _|, dpdH$ OrdZ
~r_m r{_`_ 3.2 {VeV ~T>m& {dd ~mOma _|, "^maVr` OrdZ
~r_m jo H$m {hgm, 2010 _| 2.69 {VeV Wm O~{H$ 2009 _o
`h 2.45 {VeV Wm &
~r_m jo Ho$ {dH$mg Ho$ Va H$mo XemVm h& ~r_m AV: doeZ H$mo
""~r_m r{_`_ H$m OrS>rnr (gH$b Kaoby CnmX) go AZwnmV"" Ho$
{VeV Ho$ n _| _mnm OmVm h & VWm ~r_m YZd H$mo ""~r_m r{_`_
H$m OZg`m go AZwnmV"" ({V`{$ r{_`_) Ho$ n _| _mnm OmVm
h & ^maVr` ~r_m jo H$mo mBdoQ> gh^m{JVm Ho$ {bE ImobZo Ho$ ~mX
go, ^maV Zo, ~r_m KZd _| dX{Y XO H$s h, VWm{n, ~r_m AV:
doeZ 2009 VH$ H$mo bJmVma ~T>Vm ahm, naVw ^maVr` AW `dWm
_| dX{Y Xa H$s VwbZm _| OrdZ ~r_m r{_`_ dX{Y Xa Yr_r hmo OmZo
go nhbr ~ma 2010 _| Bg_| {JamdQ> AmB &
I.2.8 Ja-OrdZ ~r_m jo Zo, 2010 Ho$ XmamZ, 8.1 {VeV H$s
_hdnyU dX{Y XO H$s & dpdH$ Ja OrdZ ~r_m r{_`_ H$s VwbZm
_| `h dX{Y ~hV ~ohVa ahr, `m|{H$ CgH$s dX{Y Ho$db 2.1 {VeV
ahr& dpdH$ Ja OrdZ ~r_m r{_`_ _| ^maVr` Ja-OrdZ ~r_m
r{_`_ H$s {hgoXmar WmoS>r ~T>r Ama `h 0.58 {VeV hmo J`r
{Oggo {dd _| BgH$m WmZ 19dm hmo J`m, O~{H$ JV df 26dm
Wm &
I.2.10 OrdZ ~r_m jo _| KZd 2001 _| 9.1 A_arH$s S>mba Wm
Omo ~T>H$a 2010 _| 55.7 A_arH$s S>mba hmo J`m & Bgr H$ma, ~r_m
AV: doeZ, 2001 Ho$ 2.15 {VeV go ~T> H$a 2009 _| 4.60
{VeV hmo J`m, hmbm{H$ 2010 _| Bg_| WmoS>r {JamdQ> AmB Ama `h
4.40 {VeV VH$ Am J`m &
11
dm{fH$ [anmoQ>
2010-11
Vm{bH$m I.2
^maV _| ~r_m AV: doeZ (nr{ZQ>oeZ) VWm KZd
OrdZ
Ja OrdZ
CmoJ
YZd
AV: doeZ
YZd
AV: doeZ
YZd
AV: doeZ
(A_arH$s S>mba)
(%)
(A_arH$s S>mba)
(%)
(A_arH$s S>mba)
(%)
df
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
9.1
11.7
12.9
15.7
18.3
33.2
40.4
41.2
47.7
55.7
2.15
2.59
2.26
2.53
2.53
4.10
4.00
4.00
4.60
4.40
2.4
3.0
3.5
4.0
4.4
5.2
6.2
6.2
6.7
8.7
0.56
0.67
0.62
0.64
0.61
0.60
0.60
0.60
0.60
0.71
11.5
14.7
16.4
19.7
22.7
38.4
46.6
47.4
54.3
64.4
2.71
3.26
2.88
3.17
3.14
4.80
4.70
4.60
5.20
5.10
* ~r_m KZd H$mo r{_`_ (A_arH$s S>mba _|) H$m OZg`m go AZwnmV Ho$ $n _| _mnm OmVm h &
* ~r_m AV:doe H$mo r{_`_ (A_arH$s S>mba _|) H$m OrS>rnr (A_arH$s S>mba_|) go AZwnmV Ho$ n _| _mnm OmVm h.
* ~r_m AV: doeZ Ho$ AmH$S>o 2006 go, Xe_bd Ho$ ~mX EH$ {S>{OQ> _| amS>S>-Am\$ H$aHo$ CnbY h.
moV: pdgao {d{^ _wXXo
MmQ> I.3
^maV _| ~r_m KZd
70
60
(A_oarH$s S>mba _|)
50
40
30
20
10
0
2001
2002
2003
2004
OrdZ
2005
Ja OrdZ
12
2006
2007
Hw$b
2008
2009
2010
dm{fH$ [anmoQ>
2010-11
MmQ> I.4
^maV _| ~r_m AV: doeZ
({VeV)
2001
2002
2003
2004
2005
OrdZ
2006
Ja OrdZ
2007
2008
2009
2010
Hw$b
I.3 ^maVr` ~r_m ~mOma H$m _y`mH$Z
^maV _o nOrH$V ~r_mH$Vm

I.3.1 {gV~a 2011 Ho$ AV VH$ ^maV _| 49 ~r_m H$n{Z`m
I.3.2 Bg g_` n[aMmbZV 49 H$n{Z`m| _| go 8 gaH$mar jo _o h,
n[aMmbZaV h {OZ_| go 24 OrdZ ~r_m H$mamo~ma _| h VWm A` 24

gmYmaU ~r_m H$mamo~ma _| H$màV h& BgHo$ A{V[a$ Or AmB gr EH$
_m am>r` nwZ~r_mH$Vm h &
BgrOrgr VWm E AmB gr - ò Xmo {deofrH$V ~r_mH$Vm h, EH$ OrdZ

~r_m _o h, 4 gmYmaU ~r_o _| h VWm EH$ nwZ~u_m _| h& eof 41
H$n{Z`m mBdoQ> jo _| h &
H$mamo~ma H$m H$ma

OrdZ ~r_m
gmYmaU ~r_m
nwZ~u_m
Hw$b
Vm{bH$m I.3
^maV _| nOrH$V ~r_mH$Vm
(30 {gV~a, 2011 H$mo)
gaH$mar jo
mBdQ> jo
1
23***
6*
18**
1
0
8
41
Hw$b
24***
24
1
49
* BZ_| {deofrH$V ~r_m H$n{Z`m - BgrOrgr VWm E AmB gr em{_b h &

** BZ_| VrZ Q>S> AbmoZ dm` ~r_m H$n{Z`m|-Q>ma hW ES> EbmBS> B`moa|g H$nZr, Anmobmo `y{ZI hoW B`moa|g H$. VWm _g `ynm hW Be`moa|g H$.
em{_b h &
*** Bggo ES>obdrO Q>mo{H$`mo bmB\$ B`moa|g H$.{b. em{_b h &
ES>obdrO Q>mo{H$`mo bmB\$ B`moa|g H$.{b. H$mo 2011-12 _o nOrH$aU nXmZ {H$`m J`m &
13
dm{fH$ [anmoQ>
2010-11
OrdZ ~r_m
Vm{bH$m I.4
(H$amoS> nE)
~r_mH$Vm
2009-10
2010-11
r{_`_
I.3.3 OrdZ ~r_m CmoJ Zo JV {dmr` df Ho$ 2,65,447 H$amoS>
nò H$s VwbZm _| df 2010-11 _| 2,91,605 H$amoS> nò H$s

r{_`_ Am` A{OV H$s {Oggo 9.85 {VeV H$s dX{Y nX{eV
hB & Ohm mBdoQ> jo Ho$ ~r_mH$VmAm| Zo r{_`_ Am` _| 11.04
{VeV (JVdf 23.06 {VeV) H$s dX{ Y H$s, dht ^maVr` OrdZ
~r_m {ZJ_ Zo 9.35 {VeV (JVdf _| 18.30 {VeV) dX{Y XO
H$s&
OrdZ ~r_m {ZJ_

mBdoQ> jo
Hw$b
I.3.4 Ohm ~r_mH$VmAm| mam m Hw$b r{_`_ _|, ZdrH$aU r{_`_
H$m {hgm, 56.66 {VeV (2009-10 _| 58.60 {VeV) ahm,

dht W_ df r{_`_ Zo, eof 43.34 {VeV (2009-10 _|
41.40 {VeV) {hgo H$m `moJXmZ {X`m& df 2010-11 Ho$ XmamZ
ZdrH$aU r{_`_ _| dX{Y 6.22 {VeV (2009-10 _| 15.69
{VeV) ahr& VwbZm_H$ {> go df 2010-11 Ho$ XmamZ W_
df r{_`_ _| dX{Y A{YH$ AWmV 15.00 n{VeV ahr & naVw JV
df Ho$ AmH$S>m| (2009-10 _| 25.84 {VeV) H$s VwbZm _o H$m\$s
{JamdQ> X{eV hB &
OrdZ ~r_m {ZJ_

mBdoQ> jo
Hw$b
I.3.5 W_ df Ho$ r{_`_ Ho$ AmH$S>m| Ho$ Ama AmJo {d^mOZ go H$Q>
hmoVm h {H$ df 2010-11 Ho$ XmamZ OrdZ ~r_mH$VmAm| mam m

EH$b r{_`_ Am` _| 26.99 {VeV H$s dX{Y hB (2009-10 _|
31.05 {VeV)& EH$b r{_`_ CnmXm| _| OrdZ ~r_m {ZJ_ Ho$
{bE EH$ _wI ^y{_H$m {Z^mZm Omar aIm Ama OrdZ ~r_m {ZJ_ H$s
Hw$b r{_`_ Am` _| 24.94 {VeV H$m `moJXmZ {X`m (200910 _| 24.36 {VeV) & BgH$s VwbZm _| Hw$b r{_`_ Am` _| EH$b
r{_`_ Am` H$mo `moJXmZ, df 2010-11 _| mBdoQ> ~r_mH$Vm H$n{Z`m|
Ho$ {bE13.28 {VeV hmo J`m h (2009-10 _| 4.84 {VeV) &
OrdZ ~r_m {ZJ_
I.3.6 2010-11 _| {Z`{_V r{_`_ _| dX{Y Ho$db 5.3 {VeV
mBdoQ> jo
mBdoQ> jo
Hw$b
OrdZ ~r_m {ZJ_
ahr O~{H$ 2009-10 _| `h 21.91 {VeV Wr& mBdoQ> ~r_mH$VmAm|

Zo Vmo F$Um_H$ (ZoJo[Q>d) dX{Y (-19.88 {VeV) XO H$s & OrdZ
~r_m {ZJ_ Zo, {Z`{_V r{_`_ _|, C dX{Y ~ZmE aIr & 201011 _| `h 38.50 {VeV ahr (2009-10 _| 36.80 {VeV) &
Hw$b
I.3.7 `y{ZQ>-g`w$-CnmXm| (`y{bn) H$s r{_`_ Am` _| 5.64
OrdZ ~r_m {ZJ_
{VeV H$s [JamdQ> AmB Ama `h 2009-10 H$s 1,15,521 H$amoS >
nò _| KQ> H$a 2010-11 _| 1,09,002 H$amoS> nò ah JB &
Xygar Amoa nman[aH$ CnmXm| H$s r{_`_ Am` _| 21.80 {VeV H$s
dX{Y hB Ama r{_`_ Am` 2009-10 H$s 1,49,926 H$amoS>
nò go ~T> H$a 1,82,603 H$amoS> nò hmo JB& VXZwgma Hw$b
r{_`_ _|, `y{ZQ>-g`w$-CnmXm| H$m {hgm, 2010 _| H$m\$s KQ>m
Ama 37.38 {VeV ah J`m O~{H$ 2009-10 _| `h 43.52
{VeV Wm (Q>oQ>_|Q> g`m 11) &
mBdoQ> jo
Hw$b
{Z`{_V r{_`_
26184.48
(36.80)
34529.67
(12.61)
60714.15
(21.91)
36265.36
(38.50)
27664.19
(-19.88)
63929.55
(5.30)
EH$b r{_`_
45337.42
(33.19)
3842.34
(10.13)
49179.76
(31.05)
50746.99
(11.93)
11704.46
(204.62)
62451.45
(26.99)
W_ df H$m r{_`_
71521.90
87012.35
(34.49)
(21.66)
38372.01
39368.65
(12.36)
(2.60)
109893.91
126381.00
(25.84)
(15.00)
ZdrH$aU r{_`_
114555.41
(10.03)
40997.93
(35.10)
155553.34
(15.69)
116461.05
(1.66)
48762.94
(18.94)
165223.99
(6.22)
Hw$b r{_`_
186077.31
(18.30)
79369.94
(23.06)
265447.25
(19.69)
203473.40
(9.35)
88131.60
(11.04)
291604.99
(9.85)
{Q>nUr: H$mo>H$m| _o {XE JE AmH$S>o dX{Y ({VeV _|) XemVo h.
14
dm{fH$ [anmoQ>
2010-11
MmQ> I.5

2009-10
2010-11
300000
nò H$amoS>
250000
200000
150000
100000
50000
OrdZ
Ja OrdZ
~mOma {hgm
Hw$b
Vm{bH$m I.5
OrdZ ~r_mH$VmAm| H$m ~mOma {hgm
({VeV _|)
~r_mH$Vm
2009-10
2010-11
{Z`{_V r{_`_
OrdZ ~r_m {ZJ_
43.13
56.73
mBdoQ> jo
56.87
43.27
Hw$b
100.00
100.00
EH$b r{_`_
OrdZ ~r_m {ZJ_
92.19
81.26
mBdoQ> jo
7.81
18.74
Hw$b
100.00
100.00
W_ df r{_`_
OrdZ ~r_m {ZJ_
65.08
68.85
mBdoQ> jo
34.92
31.15
Hw$b
100.00
100.00
ZdrH$aU r{_`_
OrdZ ~r_m {ZJ_
73.64
70.49
mBdoQ> jo
26.36
29.51
Hw$b
100.00
100.00
Hw$b r{_`_
OrdZ ~r_m {ZJ_
70.10
69.78
mBdoQ> jo
29.90
30.22
Hw$b
100.00
100.00
I.3.8 Hw$b r{_`_ Am` Ho$ AmYma na, ^maVr` OrdZ ~r_m {ZJ_
H$m ~mOma {hgm, 2009-10 Ho$ 70.10 {VeV go WmoS >m {Ja H$a
2010-11 _o 69.78 {VeV ahm& VXZwgma mBdoQ> ~r_mH$VmAm|
H$m ~mOma {hgm 2009-10 Ho$ 29.90 {VeV go WmoS>m ~T> H$a
2010-11 _| 30.22 {VeV hmo J`m &
I.3.9 2010-11 _| mBdoQ> ~r_mH$VmAm| H$m "W_ df r{_`_" _|
~mOma {hgm 31.15 {VeV ahm (2009-10 _| 34.92

{VeV) & OrdZ ~r_m {ZJ_ Ho$ {bE `h {VeV 68.85 ahm
(2009-10 _| 65.08 n{VeV)& VWm{n, ZdrH$aU r{_`_ _|,
OrdZ ~r_m {ZJ_ H$m {hgm A{YH$ AWmV 70.49 {VeV (200910 _| 73.64 {VeV) ahm O~{H$ BgH$s VwbZm _| mBdoQ> ~r_mH$VmAm|
H$m {hgm H$_ AWmV 29.51 {VeV ahm (2009-10 _| 26.36
{VeV) &
15
dm{fH$ [anmoQ>
2010-11
ZB nm{b{g`m
Vm{bH$m I.6
Omar H$s JB ZB nm{b{g`m : OrdZ ~r_mH$Vm
I.3.10 2010-11 Ho$ XmamZ, OrdZ ~r_mH$VmAm| Zo, Hw$b 481
bmI ZB nm{b{g`m Omar H$s, {OZ_| go 370 bmI nm{b{g`m (Hw$b

Omar nm{b{g`m| H$m 76.91 {VeV) OrdZ ~r_m {ZJ_ Zo Omar H$s
~r_mH$Vm
OrdZ ~r_m {ZJ_
Ama mBdoQ> ~r_mH$VmAm| Zo 111 bmI nm{b{g`m (23.09 {VeV)
mBdoQ> jo
Omar H$s& Ohm Omar H$s JB ZB nm{b{g`m| H$s g`m _|, JV df Ho$
Hw$b
(bmI)
2010-11
370.38
(-4.70)
111.14
(-22.61)
481.52
(-9.53)
_wH$m~bo, OrdZ ~r_m {ZJ_ Zo 4.70 {VeV H$s {JamdQ> XO H$s, dht
2009-10
388.63
(8.21)
143.62
(-4.32)
532.25
(4.52)
Omar H$s JB ZB nm{b{g`m| H$s g`m _|, nmBdoQ> ~r_mH$VmAm| Zo,
{Q>nUr: H$mo>H$m _| {XE JE AmH$S>o JV df H$s VwbZm _| dX{ Y XemVo h ({VeV _|)
22.61 n{VeV H$s ^mar {JamdQ> XO H$s (2009-10 _o 4.32
MwH$Vm-nyOr :
{VeV H$s {JamdQ>) &
I.3.12 31 _mM 2011 H$mo OrdZ ~r_m H$n{Z`m| H$s Hw$b nyOr
23,622 H$amoS> nE Wr 2010-11 Ho$ XmamZ 2,462 H$amoS> H$s

A{V[a$ nyOr, CmoJ mam bmB JB& df 2010-11 Ho$ XmamZ
dX{Yerb nyOr, mBdoQ> jo Ho$ ~r_mH$VmAm| mam bmB JB `m|{H$
gaH$mar jo H$s ~r_m H$nZr, OrdZ ~r_m H$nZr H$s nyOr _| H$moB
dX{Y Zht hB&
I.3.11 Hw$b {_bmH$a CmoJ Zo, Omar H$s JB ZB nm{bg`m| H$s g`m
_| 9.53 {VeV H$s {JamdQ> XO H$s (2009-10 _| 4.52 {VeV

H$s ~T>moVar)
Vm{bH$m I.7
MwH$Vm-nyOr: OrdZ ~r_mH$Vm*
~r_mH$Vm
OrdZ ~r_m {ZJ_
mBdoQ> jo
Hw$b
31 _mM 2010
2010-11 _| bmB
JB A{V[a$ nyOr
0.00
2641.86
2641.86
5.00
21014.99
21019.99
(H$amoS> nE)
31 _mM 2011
5.00
23656.85
23661.85
{Q>nUr: *B{$Q>r eoà nyOr Omar H$aZo H$m {_`_b Bg_| em{_b Zhr h. A{YH$ {ddaU Q>oQ>_|Q> g. 18.
OrdZ ~r_mH$VmAm| Ho$ IM}
ahm h, BgH$m `mZ aIm J`m h& ~r_m A{Y{Z`_ Ho$ n[aN>oX 64E\$
Ho$ AVJV J{R>V ""OrdZ ~r_m n[afX'' H$s {g\$m[aem| na, ~r_m
{d{Z`m_H$ Ama {dH$mg m{YH$aU, {H$gr df _| ò gr_mE ~T>m gH$Vm
h & ~YZ IMm] _| `j AWdm A`j $n go CnJV g^r ^ma
(MmO}O) g^r H$ma Ho$ H$_reZ-^wJVmZ, n[aMmbZ IM} VWm nyO
rH$V
`` em{_b h &
I 3.13 ~r_m A{Y{Z`_, 1938 Ho$ n[aN>oX 40 ~r Ho$ AZwgma H$moB
^r OrdZ ~r_mH$Vm, {H$gr EH$ df _|, ~r_m {d{Z`_, 1939 Ho$

{Z`_ 17S>r Ho$ AVJV {ZYm[aV am{e go A{YH$ am{e, ~YZ ``m|
Ho$ n _| IM Zht H$a gH$Vm& BZ IMm] H$s gr_m {ZYm[aV H$aVo
g_`, {Z`_ 17S>r _|, ~r_mH$Vm Ho$ AmH$ma Ama dh H$~ go H$m` H$a
16
dm{fH$ [anmoQ>
Vm{bH$m I.9
H$_reZ IM AZwnmV: OrdZ ~r_mH$Vm
({VeV _|)
~r_mH$Vm
2009-10
2010-11
{Z`{_V r{_`_
OrdZ ~r_m {ZJ_
23.30
18.86
mBdoQ> jo
14.08
13.39
Hw$b
18.06
16.49
EH$b r{_`_
OrdZ ~r_m {ZJ_
1.16
1.09
mBdoQ> jo
1.26
1.23
Hw$b
1.17
1.12
W_ df r_`_
OrdZ ~r_m {ZJ_
9.27
8.49
mBdoQ> jo
12.80
9.78
Hw$b
10.50
8.89
ZdrH$aU r{_`_
OrdZ ~r_m {ZJ_
4.81
5.11
mBdoQ> jo
2.51
2.32
Hw$b
4.20
4.29
Hw$b r{_`_
OrdZ ~r_m {ZJ_
6.52
6.56
mBdoQ> jo
7.48
5.65
Hw$b
6.81
6.29
Vm{bH$m I.8
OrdZ ~r_mH$VmAm| Ho$ H$_reZ IM
~r_mH$Vm
2009-10
(H$amoS> nE)
2010-11
OrdZ ~r_m {ZJ_

mBdoQ> jo
Hw$b
{Z`{_V r{_`_
6100.48
4863.22
10963.70
OrdZ ~r_m {ZJ_

mBdoQ> jo
Hw$b
EH$b r{_`_
526.38
48.41
574.79
OrdZ ~r_m {ZJ_

mBdoQ> jo
Hw$b
W_ df r{_`_
6626.85
4911.64
11538.49
7391.25
3849.75
11241.00
OrdZ ~r_m {ZJ_

mBdoQ> jo
Hw$b
ZdrH$aU r{_`_
5505.71
1030.42
6536.13
5956.04
1132.28
7088.32
2010-11
6839.06
3705.29
10544.35
552.19
144.46
696.66
{Q>nUr: H$_reZ IM} AZwnmV, H$_reZ IMm] Ama OrdZ ~r_mH$VmAm| mam
Omo{I_ A{H$V r{_`_, Ho$ ~rM H$m AZwnmV h.
I.3.15 OrdZ ~r_mH$VmAm| Ho$ n[aMmbZ IM} 2010-11 _| 14.04
OrdZ ~r_m {ZJ_

mBdoQ> jo
Hw$b
Hw$b r{_`_
12132.56
5942.06
18074.62
{VeV ~T>o (2009-10 _| 11.84 {VeV)& OrdZ ~r_m H$mamo~ma

Ho$ n[aMmbZ IM}, 2010-11 _| 32,942 H$amoS> nE Wo, O~{H$
2009-10 _| ò 28,888 H$amoS> nE Wo &
13347.29
4982.03
18329.32
Vm{bH$m I.10
~r_mH$VmAm| Ho$ n[aMmbZ IM}
I.3.14 ~r_mH$VmAm| mam 2010-11 _| EH${V {H$E JE gH$b
~r_mH$Vm
OrdZ ~r_m {ZJ_
mBdoQ> jo
Hw$b
r{_`_ _o dX{Y H$s VwbZm _| IMm] _| hB dX{Y H$_ Wr& AV:

H$_reZ IM AZwnmV (r{_`_m| Ho$ {VeV Ho$ n _| H$_reZ IM})
2009-10 Ho$ 6.81 {VeV go WmoS>m KQ> H$a 2010-11 _| 6.29
{VeV hmo J`m & Hw$b {_bm H$a Ohm {Z`{_V r{_`_ Ho$ _m_bo _|,
H$_reZ IM] ~T>o dht EH$b VWm ZdrH$aU r{_`_ CnmXm| Ho$ {bE
^wJVmZ {H$E JE H$_reZ _| [JamdQ> AmB& VWm{n mBdoQ> ~r_mH$VmAm|
Ama OrdZ ~r_m {ZJ_ Ho$ ~rM VwbZm H$aZo na CZH$s pW{V _| Hw$N>
{d{^VmE {>JmoMa hmoVr h, Ogm {H$ Vm{bH$m I.9 go n[ab{jV
hmoVm h, {Og_| {H$ mBdoQ> VWm gaH$mar jo Ho$ OrdZ ~r_mH$VmAm|,
XmoZm| {H$ {bE AbJ AbJ AmH$S>o {XE JE h &
2009-10
12245.82
16641.81
28887.63
(H$amoS> nE)
2010-11
16980.28
15962.02
32942.30
I.3.16 Omo{I_ A{H$V gH$b r{_`_ Ho$ {VeV Ho$ n _| OrdZ
~r_m {ZJ_ Ho$ n[aMmbZ IM} 2009-10 Ho$ 6.58 {VeV go ~T>
H$a 2010-11 _| 8.34 {VeV hmo JE& VWm{n ~r_mH$VmAm| Ho$
IMm] _| WmoS>r H$_r AmB Ama ò 2009-10 Ho$ 20.97 {VeV go
KQ>H$a 2010-11 _| 18.11 {VeV ahm J`m & nyao CmoJ H$m
n[aMmbZ `` AZwnmV 2009-10 Ho$ 10.88 {VeV go WmoS>m gm
~T> H$a 2010-11 _| 11.30 {VeV hmo J`m &
17
dm{fH$ [anmoQ>
~r_m {ZJ_ _| 2010-11 _| 1,11,273 H$amoS> nE Ho$ bm^m| H$m

^wJVmZ {H$`m Omo Omo{I_ A{H$V r{_`_ H$m 54.69 {VeV ~ZVo
Wo (2009-10 _| 79,162 H$amoS > nE, Hw$b Omo{I_ A{H$V r{_`_
H$m 42.54 {VeV) OrdZ ~r_mH$VmAm| mam, nwZ~u_m H$s am{e KQ>m
H$a Hw$b 1,42,916 H$amoS> nE (2009-10 _| 95,565 H$amoS>
nE) Ho$ bm^m| H$m ^wJVmZ {H$`m J`m& A`nU/{dXS>mdb Ho$ H$maU,
^wJVmZ {H$E JE bm^m| H$s am{e _| H$m\$s dX{Y hB & `h am{e
76,712 H$amoS> nE Wr {Og_| go ^maVr` OrdZ ~r_m {ZJ_ H$m
{hgm 49,774 H$amoS> nE Wm VWm nmBdoQ> jo H$m {hgm 26,938
H$amoS> nE Wm& JV df Ho$ VwbZm_H$ AmH$S>o 36,225 H$amoS> nE
Ho$ Wo, {Og_| go ^maVr` OrdZ ~r_m {ZJ_ H$m {hgm 22,395
H$amoS> nE VWm mBdoQ> jo H$m {hgm 13,830 H$amoS> nE Wm &
^maVr` OrdZ ~r_m {ZJ_ Ho$ _m_bo _| A`nUm| (gaoS>a) H$s
49,774 H$amoS> nE H$s am{e _| go, `y{bn nm{b{g`m| go g~{YV
am{e, 40,761 H$amoS > nò (82 {VeV) Wr O~{H$ 2009-10
_| `h am{e 11,125 H$amoS> nE (50 {VeV) Wr& mBdoQ> ~r_m
CmoJ Ho$ _m_bo _| `y{bn _| df 2010-11 Ho$ {bE ga|S>g H$s am{e
26,207 H$amoS> nE Wr (97 {VeV) O~{H$ 2009-10 _| `h
am{e 12,959 H$amoS> nE (94 {VeV) Wr &
Vm{bH$m I.11
n[aMmbZ `` AZwnmV: OrdZ ~r_mH$Vm
~r_mH$Vm
OrdZ ~r_m {ZJ_
mBdoQ> jo
Hw$b
2009-10
6.58
20.97
10.88
2010-11
({VeV)
2010-11
8.34
18.11
11.30
{Q>nUr: OrdZ ~r_mH$VmAm| mam Omo{I_ A{H$V r{_`_ go n[aMmbZ IMm] H$m
AZwnmV "AZwnmbZ `` AZwnmV' h.
I.3.17 Mw{H$ {H$gr ^r ~r_m H$nZr mam CnJV ma{^H$ WmnZm
bmJV| H$m\$s A{YH$ hmoVr h Bg{bE m{YH$aU Zo {Z`_ 17S>r Ho$

VhV 22 mBdoQ> ~r_mH$VmAm| H$mo CZHo$ H$mamo~ma nm[aMmbZm| Ho$ ma{^H$
nmM dfm] Ho$ {bE gr_mAm| go Ny>Q> XmZ H$a Xr h &
I.3.18 df 2010-11 _| 23 OrdZ ~r_m H$n{Z`m| (EH$ gaH$mar
jo C_ g{hV) _| go 9 H$n{Z`m Ny>Q> Ad{Y _| Wr& eof _| go12

H$n{Z`m (1 gaH$mar jo C_ g{hV) {Z`_ 17S>r Ho$ AVJV
gr_mAmo/m{YH$aU Ho$ {Xem{ZX}em| H$m AZwnmbZ H$a ahr Wr&
_`w Xmdm| H$m {dbofU

^wJVmZ {H$E JE bm^
`{$JV _`w Xmdo
I.3.19 OrdZ ~r_m CmoJ Zo 2010-11 _|, CVa gH$b bm^ Ho$
I.3.20 df 2010-11 _| OrdZ ~r_m H$n{Z`m| Zo, `{H$VJV
n _| 1,42,524 H$amoS> nE H$m ^wJVmZ {H$`m (2009-10 _|

95,820 H$amoS> nE) Omo{H$ Omo{I_ A{H$V gH$b r{_`_ H$m
48.88 {VeV (2009-10 _| 36.10 {VeV) ~ZVo h& mBdoQ>
~r_mH$VmAm| mam 31,251 H$amoS> nE Ho$ bm^ XmZ {H$E JE
(2009-10 _| 16,658 H$amoS> nE) {OZ_| 87.60 {VeV H$s
dX{Y X{eV hmoVr h, Ama Omo Omo{I_ A{H$V r{_`_ H$m 35.46
{VeV ~ZVo h (2009-10 _| 20.99 {VeV) & ^maVr` OrdZ
nm{b{g`m| Ho$ 8.13 bmI Xmdm| H$m {ZnQ>mZ H$a 7,595 H$amoS> nE
am{e H$m ^wJVmZ {H$`m & 17,350 Xmdo AdrH$ma H$a {XE JE {OZH$s
am{e 336 H$amoS> nE ~ZVr Wr & df Ho$ AV _| 16,415 Xmdo b{~V
Wo, {OZ_| 306 H$amoS> nE H$s am{e em{_b h& BZ Xmdm| _| go,
1930 Xmdo EH$ df go A{YH$ go b{~V h O~{H$ 14,485 Xmdo EH$
df VH$ H$s Ad{Y go b{~V h &
Vm{bH$m I.12
`{$JV _`w Xmdo: OrdZ ~r_mH$Vm (2010-11)
~r_mH$Vm
mBdoQ>
Hw$b ^wJVmZ {H$E

Xmdo
JE Xmdo
AdrH$V {V-bo{IV df Ho$ AV _|

{H$E Xmdo
Xmdo b{~V Xmdo
(AmH$S>o nm{bgr Ho$ {VeV _| h)

b{~V Xmdm| H$m ~oH$ Am\$
-Ad{Ydma (nm{b{g`m)
<3
> 3 go < 6
> 6 go < 12
> 12
_mh
_mh
_mh
_mh
100
86.04
8.90
0.05
5.01
77.30
9.57
4.54
8.59
OrdZ ~r_m {ZJ_ 100
97.03
1.00
0.51
1.46
36.60
25.14
24.85
13.40
Hw$b
95.58
2.04
0.45
1.93
50.51
19.82
17.91
11.76
100
18
dm{fH$ [anmoQ>
2010-11
MmQ> I.6
b{~V Xmdm| H$m Ad{YH$ma {d^mOZ-`{$JV nm{b{g`m
Hw$b
> 12
OrdZ
~r_m
{ZJ_
mBdoQ>
Ad{Y
_mh
> 6 _mh go
< 12 _mh
> 3 go
< 6 _mh
< 3 _mh
10
20
30
40
50
60
70
{VeV
I.3.21 mBdoQ> OrdZ ~r_mH$VmAm| H$s VwbZm _| ^maVr` OrdZ ~r_m
95.24 {VeV go ~T>H$a 2010-11 _| 95.58 {VeV hmo J`m &

AdrH$aU (ao`w{S>EeZ) AZwnmV ^r WmoS>m ~T>m h Ama 2009-10
Ho$ 1.93 {VeV go ~T> H$a 2.04 {VeV hmo J`m h& VWm{n
{Vbo{IV ([aQ>Z ~H$) Xmdm| Ho$ AZwnmV _| {JamdQ> AmB h Ama `h
JV df Ho$ 0.75 {VeV go KQ> H$a 0.45 {VeV na Am J`m &
{ZJ_ H$m "Xmdm-{ZnQ>mZ-AZwnmV" ~ohVa Wm & ^maVr` OrdZ ~r_m

{ZJ_ H$m Xmdm {ZnQ>mZ AZwnmV df 2010-11 _| ~T> H$a 97.03
{VeV hmo J`m O~{H$ JV df Ho$ XmamZ `h 96.54 {VeV Wm &
AdrH$aU H$m {VeV JV df Ho$ 1.21 {VeV go KQ> H$a 201011 _| 1.00 {VeV hmo J`m& Bgr Vah mBdoQ> ~r_mH$VmAm| H$m
{ZnQ>mZ-AZwnmV JV df Ho$ 84.87 {VeV go ~T>H$a df 201011 _| 86.04 {VeV hmo J`m& ^maVr` OrdZ ~r_m {ZJ_ H$s VwbZm
_|, mBdoQ> ~r_mH$VmAm| mam AdrH$ma {H$E JE Xmdm| H$s g`m `mXm
Wr& AdrH$V Xmdm| H$m {VeV 2009-10 Ho$ 7.61 {VeV go ~T>
H$a 2010-11 _| 8.90 {VeV hmo J`m & Hw$b {_bmH$a CmoJ Ho$
{ZnQ>mZ AZwnmV _| WmoS>m gwYma Am`m h Ama `h 2009-10 CmoJ
Ho$ {ZnQ>mZ AZwnmV _| WmoS>m gwYma Am`m h Ama `h 2009-10 Ho$
~r_mH$Vm
Hw$b Xmdo ^wJVmZ {H$E

JE Xmdo
mBdoQ> jo
100
^maVr` OrdZ ~r_m 100
Hw$b
100
93.33
99.66
96.73
gm_y{hH$ _`w Xmdo

I.3.22 OrdZ ~r_mH$VmAm| H$mo gy{MV {H$E JE 4,36,201 Xmdm| _|
go Hw$b 4,21,930 gm_y{hH$ Xmdm| H$m {ZnQ>mZ {H$`m J`m & BZ_| go
df Ho$ XmamZ AdrH$V {H$E JE Xmdm| H$s g`m 2,404 Wr Omo {H$
gy{MV Xmdm| H$m 0.55 {VeV ~ZVr Wr (Q>oQ>_|Q> g`m 14) &
Vm{bH$m I.13
gm_y{hH$ _`w Xmdo: OrdZ ~r_mH$Vm (2010-11)
(AmH$S>o OrdZ ~r_m Ho$ % Ho$ n _| em{_b h)
AdrH$ma {H$E {Vbo{IV df Ho$ AV_|
b{~V Xmdm| H$m {d^mOZ
JE Xmdo
Xmd| b{~V Xmdo
Ad{Ydma (nm{b{g`m)
<3
> 3 go < 6
> 6 go < 12
> 12
_mh
_mh
_mh
_mh
1.18
0.13
5.36
41.71
57.16
0.38
0.76
0.01
0.00
0.33
75.39
13.09
9.69
1.83
0.55
0.06
2.66
43.93
54.25
0.99
0.83
19
dm{fH$ [anmoQ>
2010-11
~mg _X-1
OrdZ ~r_m jo _| Xmdm| H$m {ZnQ>mZ
~r_m H$mamo~ma _|, Xmdm| H$m g_` na {ZnQ>mZ, EH$ _hdnyU H$m` h, {OgHo$ ~mao _| {deof ~VmZo H$s Amd`H$Vm Zhr h & Bg{bE
{H$gr ~r_mH$Vm Ho$ Xmodm| Ho$ {ZnQ>mZ H$m [aH$mS> hr, CgHo$ H$m` {ZnmXZ H$s H$gmQ>r hmoVm h & `h gw{ZpMV H$aZo Ho$ {bE {H$ H$moB
~r_m H$Vm, AnZo g^r Xmdo VnaVmgo {ZnQ>mZo H$s pW{V _| h, ~r_mH$Vm H$mo Omo{I_ A{H$V g{dXmAm| go Cn hmoZo dmbo Omo{I_m|
H$m, gmdYmZr nydH$ _y`mH$Z H$aZm Ama VXZwgma AnZo r{_`_m| H$m _y` {ZYm[aV H$aZm hmoJm& Omo{I_ AH$Z _| {deofkVm hr dh
H$maH$ h, Omo m`: {H$gr EH$ ~r_H$Vm Ho$ H$m` {ZnmXZ H$mo, Xygao go {^ ~ZmVm h, Ama `{X H$moB ~r_m H$Vm Xmdm| H$m ghr AZw_mZ
Zhr bJm nmVm h Vmo Cgo nyOrjaU, emoYj_Vm VWm ZH$Xr Ogo Omo{I_m| H$m gm_Zm H$aZm nS> gH$Vm h & g{dqgJ Ama ~mOma
AmMmaU H$s {> go ~r_mH$VmAm| H$mo EH$ _O~yV Xmdm mogoqgJ V {dH${gV H$aZo H$s OaV h Omo VoO J{Vdmbm hmo Ama
nm{bgrYmaH$ Ho$ {V {_dV hmo Xmdm| Ho$ {ZnQ>mZ _| OaV go `mXm Xoar bJZo Ama AdrH$V Xmdm| H$m {VeV A{YH$ hmoZo go
~r_H$Vm H$s N>{d Bg {> go Iam~ hmoVr h {H$ AnZo H$mamo~ma Ama nm[bgrYmaH$m| Ho$ {V CgH$m {>H$moU ghr Zhr h &
AH$ga `h H$hm OmVm h {H$, OrdZ ~r_m, Xmo A-g_mZ njm| Ho$ ZrM _| EH$ H$ama h - EH$ Amoa Vmo Eogr _O~yV gWm, Omo H$mZyZ
H$m {deofk h Ama g~ Vah Ho$ ggmYZ CgHo$ hmW _| h VWm Xygar Amoa ~oMmam nm{bgr YmaH$ {Ogo Z Vmo H$mZyZ H$s ggP h Ama
Z hr ~r_mH$Vm VWm A`m| go _wH$m~bm H$aZo Ho$ {bE CgHo$ nmg Oar ggmYZ h & Bgr V` H$mo XoIVo hE mW{_H$ H$mZyZm| VWm
gmW hr AYrZW H$mZyZm| _| ~hV go Eogo mdYmZ aIo JE h & {OZH$m Ame` nm{bgrYmaH$m|/XmdoXmam| Ho$ {hVm| H$s gwajm H$aZm h &
BZ mdYmZm| na ZrMo MMm H$s JB h Ama BZgo, OmÒ Xmdm| H$mo VnaVm go {ZnQ>mZ H$mo gw{ZpMV H$aZo _| H$m\$s _XX {_br h &
-
~r_m A{Y{Z`_, 1938 Ho$ n[aN>oX 45 _| `h {ZYm[aV {H$`m J`m h {H$ nm{bgr Ho$ ma^ go Xmo df Ho$ ~mX, V`m| H$s JbV
~`mZr Ho$ AmYma na gXoh Zhr {H$`m Om gH$Vm O~ VH$ {H$ ~r_mH$Vm `h Zht {XImVm {H$ H$WZ _hdnyU {df` go g~{YV
Wm Ama H$WZ XoZo Ho$ g_` nm{bgr YmaH$ OmZVm Wm {H$ H$WZ PyR>m h AWdm CgZo CZ V`m| H$mo X~m`m, Omo H$Q> H$aZo
Oar Wo.
~r_m {d{Z`m_H$ {dH$mg [YH$aU (nm{bgr YmaH$m| Ho$ {hVm| H$s gwajm) {d{Z`_ 2002 Ho$ naVwH$ 8 _|, OrdZ ~r_m nm{bgr
go g~{YV Xmdm| H$s {H$`m Ho$ ~mao _|, {Xem {ZX}e {ZYm[aV {H$E JE h, Omo Bg H$ma h:
OrdZ ~r_m nm{bgr _|, CZ ma{^H$ XVmdoOm| H$m CoI {H$`m OmEJm & {Oho {H$ Xmdo Ho$ g_WZ _|, XmdoXma mam, gm_m`V:
VwV {H$`m OmZm Ano{jV h &
H$moB ^r eZ, AWdm A{V[a$ XVmdoOr H$s _mJ, VWm g^d, Qw>H$S>m| _| Z hmoH$a, EH$ hr ~ma _| XmdoH$s m{ Ho$ 15 {XZ Ho$
^rVa H$s OmEJr &
g^r g~{YV H$mJO Ama n>rH$aU m hmoZo H$s VmarI go 30 {XZ Ho$ ^rVa Xmdo H$m ^wJVmZ {H$`m OmEJm AWdm g^r
g~{YV H$maU ~Vm H$a Cgo {ddm{XV _mZm OmEJm, Ho$db Cg pW{V H$mo N>moS> H$a, {H$ ~r_mH$Vm H$s am` _| BgH$s OmM H$s
OmZr Mm{hE &
Ohm OmM H$s OmZr hmo, dhm ~r_mH$Vm, Xmdm m hmoZo H$s VmarI go, 6 _hrZo Ho$ ^rVa `h OmM nyar H$aoJm &
`{X ~r_mH$mV, Xmdo H$s mogoqgJ _o Xoar H$aVm h Omo OrdZ ~r_mH$Vm, M{bV ~H$ Xa go 2% A{YH$ Xa na, Xmdm am{e na
`mO AXm H$aoJm &
OZ {eH$m`V {ZdmaU {Z_`mdbr 1998 _o, nm{bgr YmaH$m| H$s {eH$m`Vm| Ho$ {ZdmaU Ho$ {bE ~r_m bmoH$nmb (Amo~S>g_Z)
H$s {Z`w{$ H$m mdYmZ {H$`m J`m h & {Z`_m| Ho$ naVwH$ 12 _| {ZYm[aV H$s JB bmoH$nmb H$s e{$`m| _|, {H$gr ~r_mH$Vm mam
Xmdm| Ho$ Am{eH$ AWdm nyU AdrH$ma Ama Xmdm| Ho$ {ZnQ>mZ _| hB Xoar go g~{YV A`doXZ m H$aZo VWm CZ na {dMma
H$aZo H$s e{$ XmZ H$s JB h &
m{YH$aU, ~r_mH$VmAm| H$m, Amd{YH$ Wbr` {ZarjU ^r H$aVm h, {OZ_| g~{ Y mdYmZm| Ho$ {V, ~r_mH$VmAm| Ho$ AZwnmbZ H$m,
g`mnZ {H$`m OmVm h & H$mZyZm|/{d{Z`_m| H$m CH$Z H$aZo dmbo ~r_mH$Vm, {d{Z`m_H$ H$madmB Ho$ ^mJr hmoVo h& BgHo$ A{V[a$,
m{YH$aU Zo, EH$sH$V {eH$m`V ~YZ dmbr (AmBOrE_Eg) Zm_H$ EH$ {dVV {eH$m`V {ZdmaU V ^r Wm{nV {H$`m h &
do~gmBQ> na S>mbr JB {eH$m`Vm| na g_o{H$V n _| nhM XmZ H$aVm h& g^r {eH$`mV|, {OZ_| Xmdm| _| g~{YV {eH$m`V| ^r em{_b
h, AmBOr E_ Eg mam XoIr OmVr h Ama CZHo$ {ZnQ>mZ H$m VarH$m Ama g_`md{Y OmZZo Ho$ {bE, m{YH$aU mam Q>H$ H$s OmVr
h & ~r_mH$VmAm| Ho$ AnZo ^r AmV[aH$ ''Xmdm g_rjm V/{H$`mE"" hmoVr h, {OZHo$ mam do gw{ZpMV H$aZo H$m `mg H$aVo h {H$
Xmdm| H$m {ZnQ>mZ VnaVm go {H$`m OmE, Ama `h ^r, {H$ H$moB ^r Xmdm, VwN> AmYma na AWdm {~Zm n`m XVmdoOr gm~yV Ho$,
AdrH$V Z {H$`m OmE &
20
dm{fH$ [anmoQ>
2010-11
OrdZ ~r_m Xmdm| H$m {ZnQ>mZ - V` Ed AmH$S>o

_`w Xmdo - `{$JV nm{b{g`m
(nm{b{g`m| H$s g`m)
df
Hw$b gy{MV
Xmdo
^wJVmZ {H$E
JE Xmdo
AdrH$V
Xmdo
2006-07
2007-08
2008-09
2009-10
2010-11
627032
577322
640620
762435
851534
604178
553408
605128
726109
813932
10869
9027
12781
14693
17350
df
Hw$b gy{MV
Xmdo
_`w Xmdo-gm_y{hH$ nm{b{g`m

OrdZm| H$s g`m
^wJVmZ {H$E
AdrH$V
{V{b{IV
JE Xmdo
Xmdo
Xmdo
2006-07
2007-08
2008-09
2009-10
2010-11
147764
162837
264138
309151
436201
144119
159333
260507
305739
421930
1299
1241
1412
1520
2404
{V{b{IV
Xmdo
df Ho$ XmamZ
b~{V Xmdo
0
339
5796
5741
3837
11985
14548
16915
15892
16415
0
34
71
20
266
df Ho$ XmamZ
b~{V Xmdo
2346
2229
2148
1872
11601
JV nmM dfm] _| go òH$ _| Hw$b gy{MV `{$JV _`w Xmdm| _| go 95 {VeV go A{YH$ Xmdm| H$m ^wJVmZ OrdZ ~r_mH$VmAm| mam
{H$`m Om MwH$m h & JV nmM dfm] _o go òH$ Ho$ AV _|, Ohm 2 {VeV Xmdo AdrH$V {H$E JE, dht A` 2 {VeV Xmdo {ZnQ>mZ
hoVw b{~V Wo. Ogm {H$ Vm{bH$m _| {XE JE AmH$S>m| go XoIm Om gH$Vm h, gm_y{hH$ _`wXmdm| Ho$ gX^ _o Xmdm {ZnQ>mZ AZwnmV A{YH$
h &
_`w Xmdm| _| g_`mVa (Q>mB_ bJ)
2010-11 _| `{$JV nm{b{g`m| Ho$ g~Y _| {ZnQ>mE JE Xmdm| _o go 77 {VeV Xmdo, Xmdm gy{MV {H$E OmZo Ho$ 30 {XZ Ho$ ^rVa
{ZnQ>mE JE, 19 {VeV gyMZm Ho$ 31 go 180 {XZm| Ho$ ~rM {ZnQ>mE JE VWm eof 4.5 {VeV 180 {XZ Ho$ ~mX {ZnQ>mE JE &
gm_y{hH$ nm{b{g`m| Ho$ g~Y _| 94.8 {VeV Xmdo, gyMZm Ho$ 30 {XZm| Ho$ ^rVa {ZnQ>mE JE Ama bJ^J 5 {VeV gyMZm Ho$ 31
go 180 {XZm| Ho$ ~rM {ZnQ>mE JE, _m 0.3 n{VeV Xmdo hr 180 {XZm| Ho$ ~mX {ZnQ>mE JE &
n[an$Vm Ama CmaOr{dVm bm^:
OrdZ ~r_mH$VmAm| Zo df 2010-11 Ho$ XmamZ , bmJ^J 50 bmI n[an$Vm Xmdm| H$m {ZnQ>mZ {H$`m Ama Hw$b 32,345 H$amoS>
anwE H$m ^wJVmZ {H$`m VWm df Ho$ XmamZ CmaOr{dVm bm^m| H$m ^wJVmZ {H$E OmZo dmbm| H$s g`m 1.35 H$amoS> Wr {Oh| 19816
H$amoS> nE AXm {H$E JE& Cn`w$ Vm{bH$mAm| go XoIm Om gH$Vm h {H$ n[an$Vm bm^m| H$s am{e, _`w Xmdm| Ho$ AVJV ^wJVmZ H$s
JB am{e go, H$m\$s A{YH$ ahr & Bgg| kmV hmoVm h {H$ ^maVr` OrdZ ~r_m jo _|, ~MV-`w$ nm{b{g`m| H$m mYm` h & BgHo$
A{V[a$, ~MV `w$ CnmXm| _| ^r, _Zr-~H$ nm{b{g`m| H$m {hgm H$m\$s `mXm h & {OZ_| {H$ nm{bgr H$s Ad{Y Ho$ XmamZ, ~rM~rM _|/Amd{YH$ bm^ Xo` hmoVo h Ama `h òH$ df CmaOr{dVm bm^m| H$s am{e`m| Ama g`m go ^r B{JV hmoVm h &
21
dm{fH$ [anmoQ>
2010-11
Vm{bH$m I.7
b{~V Xmdm| H$m Ad{Ydma {d^mOZ - gm_y{hH$ nm{b[g`m
Hw$b
> 12
Ad{Y
_mh
OrdZ mBdoQ>
~r_m
{ZJ_
> 6 _mh go
< 12 _mh
> 3 go
< 6 _mh
< 3 _mh
0
20
40
60
80
{VeV
I.3.23 Bgr H$ma gm_y{hH$ Xmdm| Ho$ AVJV, ^maVr` OrdZ ~r_m
2009-10 _| `h Am` 12,425 H$amoS> nE Wr& Hw$b Am` Ho$

{VeV Ho$ n _|, `h 2010-11 _| 32.03 {VeV Wr O~{H$
\o$à d`y _| n[adVZ na AVaU/bm^ em{_b h & mBdoQ> ~r_mH$VmAm|
Ho$ _m_bo _| nyOrJV bm^ ghr {Zdoe Am` 2010-11 _|, 25,479
H$amoS> nE Wr O~{H$ df 2009-10 _| `h 42,826 H$amoS> nE
Wr & Hw$b Am` Ho$ {VeV Ho$ n _| `h Am` 2010-11 _| 22.43
{VeV Wr& {Zdoem| go hmoZo dmbr Am` _| {JamdQ>, eoà ~mOmam| H$s
dV_mZ pW[V H$mo n[ab{jV H$aVr h &
{ZJ_ H$m "Xmdm-{ZnQ>mZ-AZwnmV" mBdoQ> OrdZ ~r_mH$VmAm| Ho$

AZwnmV go A{YH$ Wm& JV df go VwbZm H$aZo na h_ nmEJo {H$
2011 Ho$ XmamZ ^maVr` OrdZ ~r_m {ZJ_ Ho$ {ZnQ>mZ Ho$ AZwnmV _|
WmoS>r gr {JamdQ> AmB h Ama `h 99.66 {VeV hmo J`m h O~{H$
JV df _| `h 99.80 {VeV Wm & df 2010-11 Ho$ XmamZ
AdrH$aU H$m {VeV pWa ahm, Omo {H$ 0.01 {VeV Wm& mBdoQ>
~r_mH$VmAm| Ho$ _m_bo _| ^r df 2010-11 Ho$ XmamZ {ZnQ>mZ AZwnmV
_| {JamdQ> AmB Ama `h 2009-10 Ho$ 96.80 {VeV go KQ> H$a
93.33 {VeV ah J`m& mBdoQ> ~r_mH$VmAm| Ho$ _m_bo _| AdrH$aU
H$m n{VeV WmoS>m gm KQ> H$a 2010-11 _| 1.18 {VeV hmo J`m,
O~{H$ 2009-10 _| `h 1.61 n{VeV Wm & Bg nH$ma CmoJ H$m
{ZnQ>mZ AZwnmV, WmoS>m gm KQ>m h Ama 2009-10 Ho$ 98.90
{VeV H$s VwbZm _| 2010-11 _| 96.73 {VeV ah J`m h &
AdrH$aU AZwnmV _| WmoS>r gr dX{Y hB h Ama `h 2009-10 Ho$
0.49 {VeV go WmoS>m gm ~T> H$a 2010-11 _| 0.55 {VeV hmo
J`m h &
YmaU-AZwnmV
I 3.25 ^maVr` OrdZ ~r_m {ZJ_ nanamJV n go hr AnZo H$mamo~ma
Ho$ N>moQ>o go KQ>H$ H$m hr nwZ~u_m H$aVr h& df 2010-11 _| Ho$db

119 H$amoS> nò H$s am{e hr nwZ~u_m r{_`_ Ho$ n _| Xr JB
(2009-10 _| 95 H$amoS> nò)& Bgr H$ma mBdoQ> ~r_mH$VmAm|
Ho$ _m_bo _| ^r EH$ N>moQ>o go KQ>H$ H$m nwZ~u_m H$adm`m J`m O~{H$
gm_y{hH$ H$mamo~ma hr nwZ~r_m AnUm| (arB`ma|g goeO) H$m _wI
KQ>H$ ahm& mBdoQ> ~r_mH$VmAm| Zo nwZ~u_m r{_`_ Ho$ n _| 506
H$amoS> nE {XE (2009-10 _| 407 H$amoS> nE) Bggo Bg V`
Ho$ n[ao` _| XoIZm ~S>m {XbMn hmoJm H$s `y{bn ~r_m CnmXm| Ho$
{Zdoe KQ>H$ go g~{YV Omo{I_m| H$m dhZ nm{bgr YmaH$m| H$mo hr
H$aZm nS>Vm h & df 2010-11 Ho$ XmamZ ZOa Am`m `y{bg H$mo
Amd`$: gwajm H$da Ho$ EH$ {d{Z{X> KQ>H$ H$s noeH$e H$aZr hr
Mm{hE &
{Zdoe Am`
I.3.24 `m|-`m| OrdZ ~r_mH$VmAm| Ho$ n[aMmbZ _| Wm{`d AmVm
OmVm h, CZH$m {Zdoe AmYma _O~yV hmoVm OmVm h {OgHo$

n[aUm_dn CZH$s {Zdoe Am` BZH$s Hw$b Am` H$m ~S>m {hgm ~Z
OmVr h& ^maVr` OrdZ ~r_m {ZJ_ Ho$ _m_bo _| nyOrJV bm^m| g{hV,
CZH$s {Zdoe Am` 2010-11 _| 95,867 H$amoS> nE Wr O~{H$
22
dm{fH$ [anmoQ>
Ho$ ~mX 2009-10 _| 18 H$amoS> nE H$s hm{Z Xem`r& dV_mZ df

2010-11 _| H$nZr Zo 17 H$amoS> nE H$m {Zdb bm^ H$_m`m h&
_Q> bmB\$ Zo 25 H$amoS> nE H$m bm^ {XIm`m h, Bg H$ma `h JV
4 {dmr` dfm] go {ZaVa bm^ X{eV H$a ahr h VWm{n _Q> bmB\$
2007-08 go 2010-11 VH$ nm{bgr YmaH$m| Ho$ ImVm| _| KmQ>m
S>mb ahr Wr& 2010-11 df Ho$ {bE H$nZr H$s gM`r j{V`m 1733
H$amoS> nE Wr&
OrdZ ~r_mH$VmAm| Ho$ bm^

I.3.26 OrdZ ~r_m CmoJ EH$ nyOr YmZ CmoJ h & ~r_H$VmAm| H$mo
ZE H$mamo~ma _| ngm S>mbZo Ama ~w{Z`mXr gw{dYmAm| Ho$ AmYma H$mo

~T>mZo VWm gmW hr ewAmVr n[aMmbZm| na AmZo dmbo IM, {dVaU
MZbm| Ho$ {dH$mg na AmZo dmbr {ejU bmJVm| H$mo nyam H$aZo, gwa{jV
~mOma V`ma H$aZo VWm Wm{`d Ho$ C{MV Va {Z{_V H$aZo Ho$ {bE,
{Z`{_V AVambm| na Bg_| nyOr S>mbZo H$s OaV hmoVr h & {ddâ
Ho$ ~r_m ~mOmam| go `h AZw^d hAm h {H$ H$n{Z`m| H$mo 'hm{Zbm^
g_pW{V" (~oH$ BdZ) AmZo _| 7 go 10 df bJVo h&
I.3.28 {dmr` df 2010-11 Ho$ {bE ~r_mH$VmAm| H$s Hw$b gM`r
j{V`m 1,498 H$amoS> nò Wr O~{H$ 2009-10 _| ò 3,261

H$amoS> nE Wr& hm{Z AZwdX{Y (bmg E{H$eZ) H$s Xa _| H$m\$s
{JamdQ> AmB h & BgHo$ A{V[a$ Hw$N> ~r_mH$VmAm| Ho$ gX^ _|, amOd
ImVo _|, df 2010-11 Ho$ {bE Hw$b 627 H$amoS> nE H$m KmQ>m ahm
O~{H$ 2009-10 _| 1,004 H$amoS> nE H$m KmQ>m Wm& OrdZ ~r_m
CmoJ H$s gM`r hm{Z`m 31 _mM, 2011 H$mo 20,569 H$amoS> nE
Wr (2009-10 _| 20,143 H$amoS> nE)&
I.3.27 {dmr` df 2010-11 Ho$ XmamZ OrdZ ~r_m CmoJ Zo, 2,657
H$amoS> nE H$m bm^ H$_m`m O~{H$ 2009-10 _| 989 H$amoS> nE

H$s hm{Z hB Wr & df 2010-11 _| n[aMmbZaV 23 H$n{Z`m| _| go,
12 Zo bm^ H$_m`m & ò H$n{Z`m h - ^maVr` OrdZ ~r_m {ZJ_,
AmB.gr.AmB.gr.AmB wS>o{e`b, {~abm gZbmB\$, _g `y`mH$,
~OmO A{b`mO, ^maVr` Q>oQ> ~H$, H$moQ>H$ _{hm, Q>mQ>m E AmB
Or, _Q>bmB\$, Adrdm, ghmam B{S>`m VWm lram_& ^maVr` OrdZ
~r_m {ZJ_ Zo 1172 H$amoS> nE H$m bm^ H$_m`m Omo 2009-10,
106 H$amoS> nò Ho$ _wH$m~bo 10.47 {VeV H$s dX{Y XemVm h&
bJmVma 8 df hm{Z ghZo Ho$ ~mX Xoe Ho$ g~go ~T>o mBdoQ> jo Ho$
OrdZ ~r_mH$Vm AmBgrAmBgrAmB wS>|{e`b Zo bJmVma Xygao df
bm^ {XIm`m Omo 808 H$amoS> nE Wm (2009-10 _| {~abm
gZbmB\$ 258 H$amoS> nò, _g `y`mH$ VWm Q>mQ>m E AmB Or Zo
H$_e: 305 H$amoS> nE, 194 H$amoS> nE VWm 52 H$amoS> nE H$m
bm^ {XIm`m& ~OmO Am{b`mO Zo bJmVma Xygao df bm^ H$_m`m Omo
{H$ 1057 H$amoS> nE Wm (2009-10 _| 2008-09 H$mo N>moS>H$a
JV 6 dfm} _| go 5 _| bm^ H$_m`m h& H$moQ>H$ _{hm Zo bJmVma Vrgao
df bm^ {XIm`m Ama dV_mZ df _| `h 102 H$amoS> nE ahm
(2009-10 _| 69 H$amoS> nE)& Adrdm Zo nhbr ~ma Mmby df _|
29 H$amoS> nE H$m bm^ Xem`m & ghmam B{S>`m Zo 28 H$amooS> nE H$m
bm^ X{eV {H$`m O~{H$ 2009-10 _| BgZo 36 H$amoS> nE H$m
bm^ H$_m`m Wm & ghmam B{S>`m Zo nhbr ~ma 2007-08 _| bm^
X{eV {H$`m Wm & lram_ bmB\$ Zo bJmVma 4 df VH$ bm^ {XImZo
~r_mH$Vm
2007
mBdoQ> Hw$b
OrdZ ~r_m {ZJ_
CmoJ Hw$b
3072
2301
5373
2010-11
eoàYmaH$m| H$m {V\$b ([aQ>Z)

I.3.29 2010-11 Ho$ {bE ^maVr` OrdZ ~r_m {ZJ_ Zo ^maV
gaH$ma H$mo 1,138 H$amoS> nE H$m bm^me AXm {H$`m& `h df Ho$

XmamZ m bm^ H$m 97 {VeV ~ZVm h & `h 2009-10 Ho$ ~am~a
hr h, O~ ^maVr` OrdZ ~r_m {ZJ_ Zo bm^me Ho$ n _| gaH$mar
IOmZo H$mo Hw$b{Zdb bm^ H$s 97 {VeV am{e (1031 H$amoS>
nE) Xr Wr&
H$m`mb`m| H$m {dVma
I.3.30 g_rjmYrZ df Ho$ XmamZ, ^maV _|, OrdZ ~r_m H$m`mb`m| H$s
g`m _| H$_r AmB & Ohm mBdoQ> ~r_mH$VmAm| Zo 593 H$m`mb` ~X

{H$E dht gaH$mar jo Ho$ ~r_mH$Vm ^maVr` OrdZ ~r_m {ZJ_ Zo 121
ZE H$m`mb` Imobo & Bg H$ma OrdZ ~r_mH$VmAm| Ho$ H$m`mb`m| H$s
g`m _| H$_r AmB Ama ò 31 _mM, 2010 H$s pW{V Ho$ 12,018
go KQ>H$a 31 _mM, 2011 H$mo 11,546 ah JE, (Q>oQ>_|Q> g`m
29) &
Vm{bH$m I.14
(31 _M H$s {W{V)
2008
2009
6391
2522
8913
8785
3030
11815
* m{YH$aU go AZw_moXZ m H$a Imobo JE H$m`mb`.

{Q>nUr: 1) EH$ {deof {ddaUr ([aQ>Z) Ho$ _m`_ go OrdZ ~r_m H$VmAmo go m {H$E JE AmH$S>o.
2) H$m`mb` Ogm {H$ ~r_m A{Y{Z`_, 1938 Ho$ n[aN>oX, 64dr gr _| n[a^m{fV {H$`m J`m h.
23
2010
2011
8768
3250
12018
8175
3371
11546
dm{fH$ [anmoQ>
~r_mH$Vm
mBdoQ> Hw$b
OrdZ ~r_m {ZJ_
Hw$b
2010-11
Vm{bH$m I.15
31 _mM, 2011 H$s pW{V _| OrdZ ~r_mH$VmAm| Ho$ H$m`mb`m| H$m {d^mOZ
_oQ>mo
ehar
Aehar
A`
769
1428
3715
2263
363
560
953
1495
1132
1988
4668
3758
Hw$b
8175
3371
11546
* m{YH$aU Ho$ AZw_moXZ Ho$ nMmV Imobo JE H$m`mb`

{Q>nUr: 1) EH$ {deof {ddUar Ho$ _m`_ go OrdZ ~r_m H$VmAm| go m {H$E JE AmH$S>o
2) WmZm| Ho$ EM Ama E dJuH$aU Ho$ AmYma na, {dm _mb`
_oQ>mo: {Xr, _w~B, MoB, H$mobH$mm, hXam~mX Ama ~|Jbw
ehar: E, ~r-1 VWm ~r-2 jor Ho$ eha (EMAmaE dJuH$aU Ho$ AZwgma)
AWehar: EMAmaE dJuH$aU Ho$ AZwgma "gr' loUr Ho$ eha
A`: Omo WmZ EMAmaE dJuH$aU _| gy{MV Zhr h.o
MmQ> I.8
mBdoQ>
OrdZ ~r_m {ZJ_
Hw$b
15000
H$m`mb`m| H$s g`m
12500
10000
7500
5000
2500
0
2006
2007
2008
2009
2010
2011
df (31 _mM H$mo)
MmQ> I.9
OrdZ ~r_m H$m`mb`m| H$m ^mJmo{bH$ {dVaU
Eb.AmB.gr
mBdoQ>
11%
9%
28%
17%
44%
18%
45%
28%
_oQ>mo
ehar
AYehar
24
A`
dm{fH$ [anmoQ>
2010-11
I.3.31 Cn`w
$ Vm{bH$m go `h XoIm Om gH$Vm h {H$ OrdZ ~r_mH$VmAm|
r{_`_
Ho$ H$m`mb` `m Vmo Aehar BbmH$m| _| `m N>moQ>o H$~m| _| pWV h, Omo

{H$ {dm _mb` Ho$ EMAmEE dJuH$aUm| H$s gyMr _| Zhr h & bJ^J
70 {VeV OrdZ ~r_m H$m`mb` BZ N>moQ>o H$~m| _| hr pWV h &
mBdoQ> jo VWm gaH$mar jo XmoZm| Ho$ OrdZ ~r_mH$VmAm| Ho$ H$m`mb`m|
Ho$ {dVaU H$m `hr T>mMm ha OJh h (Q>oQ>_|Q> g. 30) &
I.3.33 Ja OrdZ ~r_m CmoJ Zo 2009-10 Ho$ 34,620 H$amoS>
nò Ho$ _wH$m~bo 2010-11 _| 42,576 H$amoS > nE Ho$ Hw$b r{_`_
H$m Omo{I_ AH$Z {H$`m, {Oggo 22.98 {VeV H$s ^mdembr
dX{Y XO hB O~{H$ JVdfu` dX{Y Ho$db 14.06 {VeV Wr&
gaH$mar jo Ho$ ~r_mH$VmAm| Zo 2010-11 _| 21.84 {VeV H$s
dX{Y XO H$s O~{H$ JVdfu` dX{Y Xa 14.49 n{VeV Wr & mBdoQ>
gmYmaU ~r_mH$VmAm| Zo 24.67 {VeV H$s dX{Y XO H$s Omo{H$ JV
df Ho$ XmamZ m 13.44 {VeV go H$ht A{YH$ h &
Ja OrdZ ~r_m
I.3.32 31 _mM 2011 H$s pW{V _| 24 gmYmaU ~r_m H$n{Z`m| H$mo
Vm{bH$m I.16
^maV _| Ja OrdZ ~r_mH$VmAm| H$s gH$b
grYr r{_`_ Am`
(H$amoS> anwE)
~r_mH$Vm
2009-10
2010-11
Xoe _| Ja OrdZ ~r_m H$mamo~ma MbmZo Ho$ {bE nOrH$aU XmZ {H$`m
J`m & BZ_o go 6 gaH$mar jo _| h VWm eof mBdoQ> jo _| h & mBdoQ>
jo Ho$ ~r_mH$VmAm| _| go VrZ H$mo dm` KQ>H$ Ho$ n[aMmbZ H$aZo
H$m nOrH$aU XmZ {H$`m J`m h& gaH$mar jo H$s H$n{Z`m| _| go Ohm
Mma ~r_m H$n{Z`m ~h-n{$-n[aMmbZ H$aVr h, dht Xmo {deofrH$V
H$n{Z`m h& EH$ Ho${S>H$ ~r_m Ho$ {bE (BgrOrgr) Ama Xygar \$gb
~r_m Ho$ {bE (EAmBgr)& mBdoQ> jo H$s 18 H$n{Z`m| _| go EH$
EbES>Q>r OZab H$mo 2010-11 Ho$ XmamZ bmBg|g XmZ {H$`m J`m
h &
gaH$mar
20643.45
25151.83
(14.49)
(21.84)
mBdoQ>
13977.00
17424.63
(13.44)
(24.67)
Hw$b
34620.45
42576.45
(14.06)
(22.98)
{Q>nUr: H$mo>H$m| _| {XE JE AmH$S>o {VeV _| dX{Y XemVo h.
MmQ> I.10
Ja OrdZ ~r_mH$VmAm| H$s gH$b grYr r{_`_
2009-10
50000
H$amoS> nE
40000
30000
20000
10000
mBdoQ>
gaH$mar
25
CmoJ
2010-11
dm{fH$ [anmoQ>
I.3.34 2010-11 _| 15 mBdoQ> jo Ho$ ~r_mH$VmAm| ({d{e>V:
2010-11
16.38 {VeV H$s F$Um_H$ dX{ Y XO H$s JB)& A` Xmo ~r_mH$VmAm|

Zo AnZo n[aMmbZ 2010-11 _| ew {H$E h &
dm` ~r_m H$mamo~ma H$aZo dmbo ~r_mH$VmAm| H$mo N>moS> H$a A`)
mam Omo{I_ A{H$V r{_`_ 17,425 H$amoS > nE Wm O~{H$ 200910 _| `h am{e 13,977 H$amoS> nE Wr& AmB gr AmB gr AmB
bmo~mS> Zo mBdoQ> jo H$s g~go ~S>r Ja OrdZ ~r_m H$nZr H$m XOm
~aH$ama aIm {OgH$m ~mOma {hgm 9.99 {VeV Wm & BgZo 200910 Ho$ AnZo 9.52 {VeV ~mOma {hgo _| Bg df _| Am{eH$ dX{X
XO H$s & mBdoQ> jo H$s Xygar g~go ~S>r Ja OrdZ ~r_m H$nZr
~OmO A{b`mO, {OgZo Hw$b 2,870 H$amoS> nE r{_`_ H$m Omo{I_
AH$Z {H$`m, CgZo 2009-10 Ho$ AnZo 7.17 {VeV ~mOma {hgo
_| {JamdQ> H$m gm_Zm {H$`m Ama `h g_rjmYrZ df _| KQ> H$a 6.74
{VeV ah J`m& 15 mBdoQ> ~r_mH$VmAm| _| go 12 Zo, Omo{I_
A{H$V r{_`_ _|, dX{Y XO H$amB Ama EH$ ~r_mH$Vm [abm`g
OZab Zo r{_`_ Omo{I_ AH$Z _| H$m\$s {JamdQ> {XImB ({OgZo
I.3.35 gaH$mar jo Ho$ Ja OrdZ ~r_mH$VmAm| Ho$ _m_bo _| g^r Mmam|
H$n{Z`m| Zo AnZo H$mamo~ma H$m {dVma {H$`m Ama g~{YV r{_`_

gJhUm| _| dX{Y XO H$s VWm{n ZoeZb H$mo N>moS> H$a BZ H$n{Z`m| Ho$
~mOma {hgo _| JV df Ho$ g~{YV Vam| Ho$ _wH$m~bo [JamdQ> AmB &
ZoeZb Zo JV df Ho$ 4,625 H$amoS> nE Ho$ _wH$m~bo df 2010-11
_| 6,221 H$amoS> nE Ho$ r{_`_ H$m Omo{I_ AH$Z {H$`m {Oggo
Bgo AnZo ~mOma {hgo _| gwYma bmZo _| _XX {_br Ama `h 201011 _| 14.61 {VeV hmo J`m (JV df 13.36 {VeV)& BgZo
34.50 {VeV H$s dX{Y {XImB Omo {H$ df 2010-11 Ho$ {bE
CmoJ AmgV go A{YH$ Wr & 7,097 H$amoS> nE Ho$ ~r_m r{_`_ Ho$
gmW `y B{S>`m, ^maV H$s g~go ~S>r gmYmaU ~r_m H$nZr ~Zr hB h
{OgH$m ~mOma {hgm 16.67 {VeV h &
Vm{bH$m I.17
^maV _| gH$b grYr r{_`_ Am`
~r_m H$Vm
Hw$b r{_`_
(H$amoS> nE)
2009-10
2010-11
ZoeZb
`y B{S>`m
Amo[aEQ>b
`wZmBQ>oS>
gaH$mar OmoS>
am`b gXwa_
[abm`g
B\$H$mo Q>mo{H$`mo
Q>mQ>m E AmB Or
AmBgrAmBgrAmB bmo~mS>
~OmO Am{b`mO
Mmobm _S>b_
EMS>r E\$gr BaJmo
`yMa OZambr
`w{Zdgb gm|nmmo
lram_
^maVr Egm
ahoOm `y~rB
Eg~rAmB
EbES>Q>r
mBdoQ> OmoS>
Hw$b OmoS>
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
6220.70
7097.14
5457.33
6376.66
25151.83
1144.00
1655.43
1783.18
1173.09
4251.87
2869.96
968.00
1279.91
600.16
299.10
780.89
553.90
4.90
43.02
17.24
17424.63
42576.45
{Q>nUr: - XemVm h {H$ n[aMmbZ _| Zhr h.
26
~mOma {hgm
({VeV _|)
2009-10
2010-11
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
14.61
16.67
12.82
14.98
59.07
2.69
3.89
4.19
2.76
9.99
6.74
2.27
3.01
1.41
0.70
1.83
1.30
0.01
0.10
0.04
40.93
100.00
dm{fH$ [anmoQ>
KQ>H$dma r{_`_
2010-11
Vm{bH$m I.18
Ja OrdZ ~r_mH$VmAm| (^maV _|) mam Omo{I_
A{H$V r{_`_: KQ>H$dma
(H$amoS> nE)
{d^mJ
2009-10
2010-11
I.3.36 _moQ>a H$mamo~ma, Ja OrdZ ~r_m jo H$m g~go ~S>m KQ>H$ ~Zm
ahm {OgH$m {hgm 42.70 {VeV Wm (2009-10 _| 43.46

{VeV)& BgZo 20.82 {VeV H$s dX{Y Xa {XImB (2009-10
_| 12.83 {VeV)& dm` KQ>H$ Zo r{_`_ dgybm| _| AN>r
A{
3869.27
4555.12
(11.18)
(10.70)
N>bmJ bJmB Ama `h 2009-10 H$s 7,311 H$amoS> nE Ho$ _wH$m~bo
g_wr
2167.59
2518.77
9,944 H$amoS> nE hmo JB Ama Bg H$ma BgZo 36.01 {VeV H$s
(6.26)
(5.92)
_moQ>a
15047.00
18180.52
dX{Y XO H$s& Bggo Hw$b r{_`_ _|, 2010-11 _| dm` KQ>H$
(43.46)
(42.70)
Ho$ {hgo _|, 23.35 {VeV H$s dX{Y hB (2009-10 _| 21.12
dm`
7311.37
9944.03
(21.12)
(23.35)
{VeV) & dm` KQ>H$ H$s dX{Y Zo g_yMo Ja OrdZ ~r_m CmoJ
A`
6225.22
7378.01
mam m H$s JB dX{Y Xa H$mo ^r nN>mS> {X`m & A{, Ama g_wr
(17.98)
(17.33)
Hw$b r{_`_
34620.45
42576.45
KQ>H$m| _| r{_`_ dgybr 2009-10 _| Vmo pWa ahr naVw 2010(100.00)
(100.00)
11 _| BZ KQ>H$m| _| H$_e: 17.72 {VeV VWm 16.20 {VeV H$s
{Q>nUr: H$mo>H$m| _| {XE JE AmH$S>o KQ>H$dma r{_`_ H$m {hgm XemVo h. ({VeV)
dX{Y hB &
MmQ> I.11
KQ>H$dma Ja OrdZ ~r_m r{_`_
2010-11
2009-10
18%
11%
17%
6%
21%
11%
6%
23%
43%
44%
A{
g_wr
_moQ>a
dm`
A`
^maV go ~mha Omo{I_ A{H$V r{_`_

Vm{bH$m I.19
Hw$b r{_`_ go ^maV Ho$ ~mha Ho$ r{_`_ H$m AZwnmV
({VeV _|)
~r_mH$Vm
2009-10
2010-11
I.3.37 gaH$mar jo Ho$ g^r ~r_mH$Vm (`wZmBQ>oS> B{S>`m H$mo N>moS>
H$a) ^maV Ho$ ~mha ^r Ja OrdZ ~r_m H$mamo~ma H$m Omo{I_ AH$Z
H$aVo h& `wZmBQ>oS> B{S>`m Zo ^maV Ho$ ~mha AnZo n[aMmbZ 200304 _| hr I_ H$a {XE Wo & gaH$mar jo Ho$ VrZ ~r_mH$VmAm| mam
Xoe Ho$ ~mha Omo{I_ A{H$V Hw$b r{_`_, 2009-10 Ho$ 1,195
H$amoS> nE Ho$ _wH$m~bo 2010-11 _| 1,265 H$amoS> nE ahm Omo
{H$ 5.86 {VeV H$s dX{Y XemVm h (JV df 11.04 {VeV)&
^maV Ho$ ~mha Omo{I_ A{H$V r{_`_, Hw$b Omo{I_ A{H$V r{_`_
H$m 2.89 {VeV Wm&
ZoeZb
`y B{S>`m
Amo[aEQ>b
`wZmBQ>oS>*
0.45
14.88
2.43
-
* df 2003-04 go n[aMmbZ ~X
27
0.39
13.71
2.02
-
dm{fH$ [anmoQ>
I.3.38 `y B{S>`m ^maV Ho$ ~mha r{_`_ Omo{I_ A{H$V H$aZo dmbm
2010-11
Vm{bH$m I.21
^maV Ho$ ~mhZ Ho$ H$mamo~ma gH$b grYm r{_`_:
Ja OrdZ ~r_mH$Vm
~r_mH$V
2009-10
2010-11
ZoeZb
434.04
505.76
(-3.84)
(16.52)
`y B{S>`m
240.84
287.652
(9.86)
(19.44)
Hw$b
674.88
793.41
(0.64)
(17.56)
gaH$mar jo H$m g~go ~S>m ~r_mH$Vm ~Zm ahm Ama CgZo 2010-11
Omo Hw$b r{_`_, Omo{I_ A{H$V {H$`m Wm, Cg_| go ^maV Ho$ ~mha
Omo{I_ A{H$V r{_`_ 13.72 {VeV Wm & Amo[aEQ>b Zo 201011 _| ^maV Ho$ ~mha Omoo r{_`_ Omo{I_ A{H$V {H$`m, dh Hw$b
r{_`_ H$m 2.02 {VeV Wm& Omo {H$ 2009-10 Ho$ 2.43 {VeV
go WmoS>m gm H$_ Wm & ZoeZb B`moa|g Zo 2010-11 _| ^maV Ho$
~mha ~hV WmoS>m AWmV 0.39 {VeV H$mamo~ma {H$`m Ama dh ^r
2009-10 _| {H$E JE 0.45 {VeV Ho$ H$mamo~ma go WmoS>m gm hr
H$_ Wm &
Vm{bH$m I.20
^maV Ho$ ~mha Ho$ H$mamo~ma go gH$b grYm r{_`_:
Ja OrdZ ~r_mH$Vm
(H$amoS> nE)
~r_mH$Vm
2009-10
2010-11
{Q>nUr: H$mo>H$m| _| {XE JE AmH$S>o JV df H$s VwbZm _| dX{Y XemVo h.

`wZmBQ>oS> B{S>`m Zo 2003-04 go AnZo {dXoer n[aMmbZ ~X H$a {XE.
MwH$Vm nyOr
I.3.41 31 _mM 2010 H$mo, Ja OrdZ ~r_mH$VmAm| H$s Hw$b MwH$Vm
ZoeZb
`y B{S>`m
Amo[aEQ>b
Hw$b
20.81
(30.49)
1056.63
(11.58)
117.97
(3.81)
1195.41
(11.04)
24.47
(17.56)
1128.37
(6.79)
112.55
(-4.60)
1265.39
(5.85)
nyOr 5684 H$amoS> nE Wr& 2010-11 Ho$ XmamZ, Ja OrdZ

~r_mH$VmAm| Zo AnZo B{$Q>r nyOr AmYma _| 1,021 H$amoS> nE Ama
~T>mE (g^r mBdoQ> jomo _|), BgHo$ Ja-OrdZ ~r_m-jo H$s Hw$b
MwH$Vm nyOr 31 _mM 2011 H$mo 6,706 H$amoS> nE hmo JB& gaH$mar
jo H$s H$n{Z`m| H$s MwH$Vm nyOr 2010-11 _| 550 H$amoS> nE na
An[ad{VV ahr& (Q>oQ>_Q> g`m 52)
Vm{bH$m I.22
MwH$Vm nyOr: Ja OrdZ ~r_H$Vm Ama nwZ~u_mH$Vm*
(31 _mM H$s pW{V)
(H$amoS> nE)
~r_mH$Vm
2010
2011
{Q>nUr: H$mo>H$m| _| {XE JE AmH$S>o JV df H$s VwbZm _| dX{Y XemVo h:

`wZmBQ>oS> B{S>`m Zo 2003-04 go AnZo {dXoer n[aMmbZ ~X H$a {XE.
I.3.39 2010-11 _| ^maV Ho$ ~mha A{H$V Hw$b 1,265 H$amoS> Ho$
r{_`_ _| go `y B{S>`m Zo, 1,128 H$amoS> nE H$m C r{_`_

A{H$V {H$`m& (2009-10 _ 1,056 H$amoS> nE) {Oggo 200910 Ho$ 88.39 n{VeV Ho$ _wH$m~bo gaH$mar gmYmaU ~r_mH$VmAm|
mam ^maV Ho$ ~mha A{H$V Hw$b r{_`_ _|, BgH$m ~mOma {hgm ~T>
H$a 89.17 {VeV hmo J`m& ZoeZb Zo 24.47 H$amoS> nE H$m
r{_`_ A{H$V {H$`m (2009-10 _| 20.81 H$amoS > nE)& Amo[aEQ>b
B`moa|g mam, ^maV Ho$ ~mha Omo{I_ A{H$V r{_`_ 113 H$amoS>
nE Wm Omo {H$ JV df Ho$ 118 H$amoS> nE H$s VwbZm _| H$_ Wm,
{Oggo 4.60 {VeV H$s {JamdQ> X{eV hB&
~h `dVm` ~r_mH$Vm
gaH$mar jo
nmBdoQ> jo
Omar H$s JB nm{b{g`m| H$s g`m

I.3.40 Ja OrdZ ~r_mH$VmAm| Zo 2009-10 H$s 674.88 bmI
nm{b{g`| H$s VwbZm _| df 2010-11 _| 793.41 bmI nm{b{g`m

Omo{I_ A{H$V H$s, Omo {H$, 2009-10 H$s VwbZm _| 17.56 {VeV
H$s dX{Y XemVr h& gaH$mar jo H$s ~r_mH$VmAm| Zo Omar nm{b{g`m|
H$s g`m H$s {> go EH$ _wI d{ X{eV H$s& df 2010-11 Ho$
XmamZ BgZo 2009-10 H$s VwbZm _|, 16.52 {VeV nm{b{g`m
A{YH$ Omar H$s (2009-10 _| 3.84 {VeV H$s F$U__ dX{Y
hB) Bgr H$ma mBdoQ> jo Ho$ ~r_mH$VmAm| Zo ^r, Omar nm{b{g`m| H$s
g`m _| 19.44 {VeV H$s d{ {XImB (2009-10 _| 9.86
{VeV)
550
3160
550
3956
{~eofH$V ~r_mH$Vm
BOrgrOr
EAmBgr
900
200
900
200
dm` ~r_mH$Vm
Q>ma hW
Anmobmo `y{ZI
_g `ynm
164
129
151
203
196
271
nwZ~r_mH$Vm
OrAmBgr
430
430
5684
6706
Hw$b
{Q>nUr * BZ_| {deofrH$V gWmE em{_b h.

Bg_| B{$Q>r eoà nyOr Omar H$aZo na H$m r{_`_ em{_b Zhr h.
28
dm{fH$ [anmoQ>
Omo{I_ AH$Z AZw^d
2010-11
hB, {OgH$m _wI H$maU _moQ>a VVr` nj Xo`Vm KQ>H$ _|, mdYZZ
Vm{bH$m I.23
Omo{I_ AH$Z j{V`m : Ja-OrdZ ~r_mH$Vm
(H$amoS> nE)
~r_mH$Vm
2009-10
2010-11
gaH$mar jo
4541.18
7549.50
(7.43)
(66.24)
mBdoQ> jo
1402.48
2419.45
(27.86))
(72.51)
Hw$b
5943.66
9968.95
(11.64)
(67.72)
H$s AnojmE Wr &
{Q>nUr: H$mo>H$m| _| {XE JE AmH$S>,o JVdf H$s VwbZm _| dX{ Y {VeV _| XemVo h
I.3.42 Ja OrdZ ~r_m H$n{Z`m| H$s Omo{I_ AH$Z hm{Z`m JV df H$s
5,944 H$amoS> nE go ~T>H$a 2010-11 _| 9,969 H$amoS> nE hmo

JB& hm{Z`m 67.72 {VeV hmo OmZo go AH$Z j{V`m| _| ^mar CN>b
{XIm (2009-10 _| 11.64 {VeV) & Omo{I_ AH$Zm| _| ò hm{Z`m
gaH$mar Ama mBdoQ> jo Ho$ ~r_mH$VmAm|, XmoZm| Ho$ {bE ha Va na
Vm{bH$m I.24
H$_reZ IM} : Ja OrdZ ~r_mH$Vm
(H$amoS> nE)
KQ>H$
A{
g_wr
_moQ>a
dm`
A`
Hw$b
mBdoQ> jo
2009-10
2010-11
60.79
74.86
40.51
52.88
288.14
307.32
140.58
189.58
146.88
169.56
676.90
794.21
gaH$mar jo
2009-10
2010-11
239.86
267.79
123.26
141.57
553.64
576.03
486.17
525.18
422.87
432.77
1825.81
1943.34
Ja-OrdZ ~r_mH$VmAm| Ho$ IM]

I.3.43 2010-11 gaH$mar Ama mBdoQ> Ja-OrdZ ~r_mH$VmAm| Ho$
H$_reZ IM] H$_e: 1,943 H$amoS> nE VWm 794 H$amoS> nE aho&

{Oggo Ja OrdZ ~r_m CmoJ Ho$ {bE gM`r n go H$_reZ IM}
2,737 H$amoS> nE aho & gdm{YH$ H$_reZ IM} _moQ>a KQ>H$ Ho$ {bE
aho Omo 883 H$amoS> nE Wo, {Og_| go 576 H$amoS> nE gaH$mar jo
VWm 307 H$amoS> nE Ja gaH$mar jo H$s H$n{Z`m| Ho$ Wo &
~r_H$Vm
Hw$b
2009-10
300.65
163.77
841.77
626.75
569.76
2502.71
2010-11
342.65
194.45
883.35
714.76
602.33
2737.55
Vm{bH$m I.25
n[aMmbZ IM} : Ja OrdZ ~r_mH$Vm
(H$amoS> nE)
2009-10
2010-11
gaH$mar jo
mBdoQ> jo
5262.59
3129.61
6688.60
3931.88
Hw$b
8392.20
10620.48
{Q>nUr: gaH$mar jo _| BgrOrgr,EAmBgr VWm Or AmB gr em{_b Zhr h.
I.3.44 H$_reZ IM} VWm n[aMmbZ IM}, Hw$b IMm], H$m ~hV ~S>m
I.3.45 ~r_m A{Y{Z`_, 1938 Ho$ n[aN>oY 40gr Ho$ AZwgma H$moB
^mJ hmoVm h& 2009-10 Ho$ 8,392 H$amoS> nE H$s VwbZm _| Ja

OrdZ ~r_m H$n{Z`m| Ho$ n[aMmbZ IM} 2010-11 _| 10,620
H$amoS> nE Wo, {Oggo Hw$b {_bmH$a 26.55 n{VeV H$s ~T>moVar XO
hB& n[aMmbZ ``m| _| `h ~T>moVar gaH$mar jo Ho$ ~r_mH$VmAm|
(27.10 {VeV) VWm mBdoQ> ~r_mH$VmAm| (25.63 {VeV) _|
bJ^J EH$ g_mZ hr {XIr.
^r ~r_mH$Vm, {H$gr ^r EH$ df _| ~r_m {Z`_mdbr, 1939 Ho$ {Z`_

17B Ho$ AVJV {ZYm[aV gr_mAm| go A{YH$ am{e, ~YZ ``m| Ho$
n _| IM Zht H$a gH$Vm & BZ IMm] H$s gr_mE {ZYm[aV H$aVo
g_` {Z`_ 17B ~r_mH$Vm Ho$ AmH$ma VWm H$m` Ho$ dfm] H$m `mZ _|
aIVm h& n[aN>oX 64 E\$ Ho$ VhV, J{R>V gmYmaU ~r_m n[afX H$s
{g\$m[aem| Ho$ AmYma na m{YH$aU, {H$gr ^r df H$mo gr_mAm| _|
dX{Y H$a gH$Vm h &
29
dm{fH$ [anmoQ>
I.3.46 m{YH$aU Zo 15 mBdoQ> ~r_mH$VmAm| H$mo, CZHo$ H$mamo~ma
H$amoS> nE Ho$ Wo& CnJV Xmdm| Zo df 2010-11 Ho$ XmamZ 32.60

{VeV H$s dX{Y XemB & Ohm gaH$mar jo Ho$ ~r_mH$VmAm| Zo CnJV
Xmdm| _| 30.95 n{VeV H$s dX{Y XO H$s, dht mBdoQ> jo Ho$
~r_mH$VmAm| Ho$ {bE `h dX{Y 35.99 {VeV Wr, VWm{n Hw$b
{_bmH$a df 2010-11 _| CnJV Xmdm| _| hB 32.60 {VeZ H$s
`h dX{Y, JV df Ho$ XmamZ XO H$s JB Omo{H$ 12.97 {VeV H$s
dX{Y go H$m\$s D$Mr Ama _hdnyU Wr&
n[aMmbZm| Ho$ ma{^H$ nmM dfm} _|, {Z`_ 17B Ho$ AVJV, gr_mAm|
_| Ny>Q> XmZ H$s &
I.3.47 df 2010-11 _| 24 Ja OrdZ ~r_m H$n{Z`m| _| go ({OZ_|
gaH$mar jo Ho$ 4 C_ VWm Xmo {deoffrH$V gWmE em{_b h) 10

H$n{Z`m| Ny>Q> Ad{Y _| Mb ahr h& eof _o go 5, {Z`_ 17B Ho$
AVJV AmZo dmbr gr_mAm| H$m AZwnmbZ H$a ahr Wr &
I.3.49 df 2010-11 Ho$ XmamZ Ja OrdZ-~r_m CmoJ H$m CnJV-
Vm{bH$m I.26
Ja OrdZ ~r_mH$VmAm| Ho$ {Zdb CnJV Xmdo
(H$amoS> nE)
~r_mH$Vm
2009-10
2010-11
gaH$mar jo
14967.23
(9.75)
7307.25
(20.20)
22274.48
(12.97)
19599.14
(30.95)
9937.31
(35.99)
29536.45
(32.60)
mBdoQ> jo
Hw$b
2010-11
Xmdm AZwnmV ({Zdb r{_`_ go {Zdb CnJV Xmdo) 93.37 {VeV

Wm, Omo {H$, JV df Ho$ 85.50 {VeV go A{YH$ Wm & mBdoQ> VWm
gaH$mar jo Ho$ ~r_mH$VmAm| Ho$ ~rM gaH$mar jo Ho$ ~r_mH$VmAm| H$m
"CnJV-Xmdm-AZwnmV AnojmH$V A{YH$ h Omo 97.03 {VeV h
(2009-10 _| 88.27 {VeV) & mBdoQ> jo Ho$ ~r_mH$VmAm| Ho$
{bE `h AZwnmV 86.90 {VeV Wm (2009-10 _| 80.30
{VeV)&
I.3.50 {d{^{ KQ>H$mo _| go, _moQ>a ~r_m VWm dm` ~r_m H$m
"CnJV AZwnmV" A{YH$ Wm, Omo {H$, H$_e: 102.69 {VeV VWm
100.08 {VeV Wm& JV df H$s VwbZm _| dm` ~r_o H$mo N>moS> H$a
eof g^r KQ>H$m| Ho$ CnJV-Xmdm-AZwnmV _| dX{Y hB & dm`
KQ>H$ _|, CnJV Xmdm AZwnmV _| H$m\$s {JamdQ> AmB Ama `h 200910 Ho$ 111.13 {VeV Ho$ _wH$m~bo 2010-11 _| KQ> H$a 100.88
{VeV ahm &
{Q>nUr: H$mo>H$m| _| {XE JE AmH$S>,o g~{ YV jo H$s dX{ Y-Xa, {VeV _| XemVo h.
CnJV Xmdm AZwnmV

I.3.48 2009-10 Ho$ 22,274 H$amoS> nE H$s VwbZm _o, Ja
OrdZ ~r_mH$VmAm| Ho$ {Zdb CnJV Xmdo, df 2010-11 _| 29,536
Vm{bH$m I.27
CnJV Xmdm AZwnmV
({VeV)
KQ>H$
A{
g_wr
_moQ>a
dm`
A`
Hw$b
gaH$mar jo
2009-10
2010-11
81.10
75.50
87.84
119.85
56.59
88.27
87.86
92.89
111.10
106.31
58.11
97.03
mBdoQ> jo
2009-10
2010-11
72.79
86.40
80.42
92.22
56.81
80.79
30
75.16
82.12
93.70
85.15
49.76
86.90
Hw$b
2009-10
2010-11
79.91
78.08
84.51
111.13
56.64
85.50
86.07
90.18
102.69
100.08
56.13
93.37
dm{fH$ [anmoQ>
2010-11
~mg _X-2
Ja-OrdZ ~r_m jo _| Xmdm| H$m {ZnQ>mZ
~r_m H$mamo~ma _| Xmdm| H$m {ZnQ>mZ A`V _hdnyU hmoVm h & Omo{I_ AH$Z VWm Xmdm| H$m {ZnQ>mZ, {H$gr ^r ~r_m H$nZr Ho$ H$m`m] Ho$ Xmo gdm{YH$
_hdnyU nhby hmoVo h & {H$gr ^r ~r_m g{dXm go JmhH$ H$mo {ZZ{b{IV AnojmE hmoVr h:
- ghr H$s_V na, Cn`w$ ~r_m gwajm, {Oggo OaV nS>Zo na dh H${R>ZmB _| Z Am OmE &
- g~{YV n>mH$Zmo/dmaQ>rO/eVm]/{Xem {ZX}em| Ho$ gmW, w{Q>hrZ nm{bgr XVmdoOm| H$s, g_` na gwnwXJr &
- Xmdm VwV H$aZo na Xmdo H$m OXr {ZnQ>mZ &
Ja OrdZ ~r_m jo _| AZw_mZV: 15 {VeV nm{bg`m| Ho$ Xmdo VwV {H$E OmVo h & My{H$ Ja OrdZ ~r_m Xmdmo Ho$ {ZnQ>mZm| H$s AnZr {deofVmE
h, Bg{bE Ch| ghr Vah go `dhV {H$E OmZo H$s Amd`H$Vm h &
Bg{bE {H$gr ~r_mH$Vm Ho$, Xmdm| Ho$ {ZnQ>mZ H$m [aH$mS> hmo, CgHo$ H$m` {ZnmXZ H$s H$gmQ>r hmoVm h & `h gw{ZpMV H$aZo Ho$ {bE, {H$ H$moB
~r_mH$Vm AnZo g^r Xmdo VnaVm go {ZnQ>mZ| H$s pW{V _| h, ~r_mH$Vm H$mo Omo{I_ A{H$ g{dXmAm| go Cn hmoZo dmbo Omo{I_m| H$m gmdYmZr nydH$
_y`mH$Z H$aZm Ama VXZwgma AnZo r{_`_m| H$m _y` {ZYm[aV H$aZm hmoJm & Omo{I_ AH$Z _| {deofk hr dh H$maH$ h, Omo m`: {H$gr EH$
~r_mH$Vm Ho$ H$m` {ZnmXZ H$mo, Xygao go {^ ~VmVm h, Ama `{X H$moB ~r_mH$Vm Xmdm| H$m ghr AZw_mZ Zhr bJm nVm h Vmo Cgo nyOr jaU emoYj_Vm
VWm ZH$Xr Ogo Omo{I_m| _m H$m _mZm H$aZm nS> gH$Vm h. g{dqgJ Ama ~mOma AmMaU H$s {> go ~r_mH$VmAm| H$mo, EH$ _O~yV Xmdm mogoqgJ V
{dH${gV H$aZo H$s OaV h Omo VoO J{V dmbm hmo Ama nm{bgrYmaH$ Ho$ {V {_dV hmo& Xmdm| Ho$ {ZnQ>mZ _| OaV go `mXm Xoar bJZo Ama
AdrH$V Xmdm| H$m {VeV A{YH$ hmoZo go ~r_H$Vm H$s N>{d Bg {> go Iam~ hmoVr h {H$, AnZo H$mamo~ma Ama nm{bgrYmaH$m| Ho$ {V, CgH$m
{>H$moU ghr Zhr h &
Xmdm| Ho$ {ZnQ>mZ go g~{YV gm{d{YH$ Ama {d{Z`m_H$ mdYmZ ZrMo {XE JE h:
1. ~r_m A{Y{Z`_ 1938 Ho$ n[aN>oX 14 _| {ZYm[aV {H$`m J`m h {H$ òH$ ~r_mH$Vm EH$ a{OQ>a aIoJm AWdm Xmdm| H$m [aH$mS> aIoJm {Og_o
ha Xmdm XO {H$`m OmEJm Ama CgHo$ gmW Xmdo Ho$ VmarI, XmdoXma H$m Zm_ Ama AdrH$ma {H$`m J`m h Vmo AdrH$aU H$s {V{W, Ama
AdrH$aU Ho$ H$maU {XE OmE|Jo &
2. ~r_m A{Y{Z`_, 1938 Ho$ n[aN>oX 64 `y E_ _| `h {ZYm[aV {H$`m J`m h {H$ {H$gr ^r ~r_m nm{bgr go g~{YV {H$gr ^r Xmdo H$m {ZnQ>mZ,
{OgH$s hm{Z 20,000 nE `m Cgg| `mXm hmo, ~r_mH$Vm mam V~ VH$ Zht {H$`m OmEJm, O~ VH$ {H$, Omo hm{Z hB h, CgHo$ ~mao _| {anmoQ>,
dh {H$gr Eogo `{$ go m Zht H$a boVm, {OgHo$ nmg gd}à `m hm{Z AmH$bZH$Vm H$m bmBg|g h &
3. ~r_m {d{Z`_mH$ {dH$mg m{YH$aU (nm{bgr YmaH$m| Ho$ {hVm| H$s gwajm) {d{Z`_ 2002 Ho$ {d{Z`_ 8 _| Ja-OrdZ ~r_m nm{bgr Ho$ g~Y
_o, Xmdm {H$`m Ho$ ~mao _| {Xem {ZX}e, {ZZ H$ma go {XE JE h:
H$moB ~r{_V `{$ AWdm XmdoXma, ~r_m H$s g{dXm Ho$ AVJV hB hm{Z H$s gyMZm, ~r_mH$Vm H$mo, erKm{VerK XoJm& Bg H$ma H$m gXoe
m hmoZo na gmYmaU ~r_mH$Vm, VH$mb BgH$m `wma XoJm Ama ~r{_V `{$ H$mo `h n> n go B{JV H$aoJm {H$ Cgo `m {H$`m
AnZmB OmZr h & `{X {H$gr _m_bo _| hm{Z/Xmdo Ho$ AmH$bZ Ho$ {bE {H$gr gd}à H$s {Z`w{$ H$s OmZr hmo, Vmo Eogr {Z`w{$, ~r{_V `{$
go gyMZm nmZo Ho$, 72 KQ>m| Ho$ ^rVa H$s OmEJr &
`{X ~r{_V `{$, gd}à mam _mJo JE g^r {ddaU ôOZo _| Ag_W ahVm h `m gd}à H$mo ~r{_V `{$ go nyam gh`moJ Zht {_bVm Vmo
~r_H$Vm AWdm gd}à, ~r{_V `{$ H$mo, {b{IV n go, Xoar Ho$ ~mao _| gy{MV H$aoJm {H$ Cgo Xmdo H$s Egog_|Q> _| Xoar bJ gH$Vr h &
gd}à AnZr {Z`w{$ Ho$ 30 {XZ Ho$ ^rVa ~r_H$Vm H$mo AnZo {ZH$f gy{MV H$aoJm Ama `{X ~r{_V `[$ MmhVm h Vmo [anmoQ> H$s {V
CgH$mo ^r ôOoJm & _m_bo H$s {deof Ama pb> H${V Ho$ H$maU gdoà {demf n[apW{V _|, AnZr [anmoQ> VwV H$aZo Ho$ {bE ~r_mH$Vm
go Ama g_` _mJ gH$Vm h {OgH$s OmZH$mar Cgo ~r{_V `{$ H$mo ^r XoZr hmoJr& {H$gr ^r pW{V _| H$moB ^r gd}à {anmoQ> nVwV H$aZo
_|, AnZr {Z`w{$ H$s VmarI go 6 _hrZo go A{YH$ g_` Zht boJm &
`{X gd} [anmoQ> m hmoZo na, ~r_mH$Vm `h nmVm h {H$ [anmoQ> {H$gr Vah go AnyU h Vmo dh gd}à H$mo, Hw$N> {d{e> _wXXm| na, A[a[a$
[anmoQ> VwV H$aZo H$mo H$hoJm, Ama Bg g~Y _| ~r{_V `{$`m| H$mo ^r gy{MV H$aoJm ~r_mH$Vm Bg H$ma H$m AZwamY, _yb gd} [anmoQ> m
hmoZo Ho$ 15 {XZm| Ho$ ^rVa H$aoJm, ~eV] {H$ ~r_mH$Vm mam, A{V[a$ [anmQ> _JmZo H$s Bg gw{dYm H$m Cn`moJ, EH$ Xmdo Ho$ {bE EH$ go
A{YH$ ~ma Zht {H$`m OmEJm &
gXoe m hmoZo na, gd}à, ~r_mH$Vm go gXoe m hmoZo H$s VmarI go 3 gmh Ho$ ^rVa, A[a{$ [anmoQ> VwV H$aoJm &
gd}-[anmoQ> 'AWdm" A[V[a$ gd} [anmoQ>, m hmoZo na, ~r_mH$mV, 30 {XZm| Ho$ ^rVa, Xmdo H$m {ZnQ>mZ ~r{_V `{$ H$mo H$a XoJ m& `{X
~r_mH$Vm, {H$hr H$maUm| go, {Oh| {b{IV _| [aH$mS> {H$`m OmEJm Ama ~r{_V `{$ H$mo gy{MV {H$`m OmEJm, nm{bgr Ho$ AVJV Xmdo H$mo
AdrH$ma H$aZo H$m {ZU` boVm h Vmo, Cgo Eogm, gd} [anmoQ> AWdm A{V[a$ gd} [anmoQ>, Ogm ^r H$aU hmo, H$s m{ Ho$ 30 {XZ Ho$ ^rVa
H$aZm hmoJm &
31
dm{fH$ [anmoQ>
2010-11
Cn{d{Z`_ (5) _| H$ho JE AZwgma, ~r{_V `{$ mam {ZnQ>mZ H$s noeH$e drH$ma H$a boZo Ho$ ~mX, Xo` am{e H$m ^wJVmZ ~r{_V `{$
mam noeH$e drH$ma H$aZo H$s VmarI go 7 {XZ Ho$ ^rVa {H$`m OmEJm. ^wJVmZ _| Xoar hmoZo na {Og {dmr` df _| Xmdo H$s g_rjm H$s JB
h, CgHo$ ew _|. M{bV ~H$ Xa go 2 {VeV A{YH$ Xa na, ~r_mH$Vm `mO AXm H$aoJm &
4 OZ {eH$m`V {ZdmaU {Z`_mdbr, 1998 _|, nm{bgrYmaH$m| H$s {eH$m`Vm| Ho$ {ZdmaU Ho$ {bE, ~r_m bmoH$nmb (Amo~S>g_Z) H$s {Z`w{$ H$m
nmdYmZ {H$`m J`m h& {Z`_m| Ho$ naVwH$ 12 _| {ZYm[aV H$s JB bmoH$nmb H$s e{$`m| _|, {H$gr ~r_H$Vm mam, Xmdm| Ho$ Am{eH$ AWdm nyU
AdrH$aU Ama Xmdm| Ho$ {ZnQ>mZ _| hB Xoar go g~{YV A`doXZ m H$aZo, VWm CZ na {dMma H$aZo, H$s e{$ XmZ H$s JB h &
m{YH$aU, ~r_mH$VmAm| H$m Amd{YH$ Wbr` {ZarjU ^r H$aVm h, {OZ_| g~{YV mdYmZm| Ho$ {V, ~r_mH$VmAm| Ho$ AZwnmbZ H$m g`mnZ {H$`m
OmVm h. H$mZyZm|/{d{Z`_m| H$m CKZ H$aZo dmbo ~r_mH$Vm, {d{Z`m_H$ H$m`dmB Ho$ ^mJr hmoVo h &
BgHo$ A{V[a$, m{YH$aU Zo, 'EH$sH$V {eH$m`V ~YZ Umbr (AmBOrE_Eg) Zm_H$ EH$ {dVV {eH$m`V {ZdmaU V ^r W{nV {H$`m h, Omo
~r_mH$mVmAm| Ho$ nmg XO H$s JB Ama ~r_m {d{Z`m_H$ {dH$mg m{YH$aU H$s do~gmBQ> na S>mbr JB {eH$m`Vm| na g_o{H$V n go nhM XmZ H$aVm
h & g^r {eH$m`Vo, {OZ_| Xmdm| go g~{YV {eH$m`Vo ^r em{_b h, AmBOrE_Eg mam XoIr OmVr h Ama CZHo$ {ZnQ>mZ H$s VarH$m Ama g_`md{Y
OmZZo Ho$ {bE m{YH$aU mam Q>H$ H$s OmVr h &
~r_mH$VmAm| H$s AnZr ^r AmV[aH$ ""Xmdm g_rjm V/{H$`mE"" hmoVr h, {OZHo$ mam do gw{ZpMV H$aZo H$m `mg H$aVo h {H$ Xmdm| H$m {ZnQ>mZ
VnaVm go {H$`m OmE, Ama `h ^r {H$ H$moB Xmdm, VwN> AmYma na AWdm {~Zm n`m XVmdoOr g~yV Ho$, AdrH$V Z {H$`m OmE &
Ja-OrdZ ~r_m Xmdm| H$m {ZnQ>mZ - V` Ama AmH$S>o
df
1 Anb 2010 df 2010-11 df 2010-11 df 2010-11
{ZnQ>mZ H$m % moggo {H$E JE
AdrH$aU
H$mo ~H$m`m Ho$ XmamZ {anmoQ> Ho$ XmamZ mogog
_| {ZnQ>mE
{ZnQ>mE JE Xmdo/
AdrH$ma
H$m %
{H$E JE Xmdm|
{H$E JE
JE Xmdm|
moggo {H$E JE
Xmdm| H$s
AdrH$V/o
H$s g`m
Hw$b Xmdo
H$s g`m
Hw$b Xmdo
g`m
Hw$b Xmdo
2010-11
33,31,724 2,65,98,505 2,99,30,229 2,55,35,978
85.3
7,79,645
2.6
AmH$S>m| Ho$ {dbofU Ho$ AmYma na n{YH$aU Zo, Xmdm {ZnQ>mZ {H$`mAm| _| {ZZ{b{IV nQ>Z XoIm h.
1. gmYmaU ~r_mH$VmAm| mam Xmdm| H$mo AdrH$ma H$aZo Ho$ _w` H$maU Bg H$ma aho
H$_ g`m`mnH$ dJuH$aU
A) nm{bgr H$s eV]
Xmdo H$s gyMZm _| Xoar Ho$ H$maU
~r{_V `{$ mam Xmdm g~Yr XVmdoOm| H$s Vw{V _| Xoar Ho$ H$maU
dmaQ>r Ho$ CKZ Ho$ H$maU Xmdm AdrH$ma {H$`m J`m
YmoIm KS>r, {_`mH$WZ, A-H$Q>Z
{d{e>-Xmdm-XVmdoOrH$aU H$m AZwnmbZ Z H$aU
XmdoXma H$m Agh`moJ
Omo{I_ _| ~Xbmd H$s gyMZm ~r_m H$nZr H$mo Z XoZm
~r_mH$Vm H$mo, dm{_d _| n[adVZ H$s OmZH$mar Z XoZo Ho$ H$maU _moQ>a ~r_m Xmdo H$mo AdrH$ma H$aZm
AZwWmnZ A{YH$mamo/dgybr A{YH$mam| H$s gwajm Z H$aZm
A` ({d{Z{X> H$a|)
Am. Vmd/Omo{I_ AH$Z g~Yr
r{_`_ {ddmX Ho$ H$maU Xmdm AdrH$ma H$aZm
AmnXmAm| H$mo em{_b Z H$aZm
nm{bgr _| AndOZ Ho$ H$maU
~r_m {hV H$m A^md
A` ({d{Z{X}> H$a|)
B. CnmX g~Yr
{ZYm[aV Vrjm Ad{Y Ho$ H$maU dm` ~r_m Xmdm| H$m AndOZ
nyd-{d_mZ AndOZ IS> Ho$ H$maU Xmdm AdrH$ma {H$`m J`m
`dH$bZr` ({S>S>pQ>~b) Ho$ AVJV AmZo Ho$ H$maU
A`
B. A`
2. Ja-OrdZ ~r_mH$Vm mam dfo Ho$ XmamZ mogog {H$E JE Xmdm| H$s Hw$b g`m go, CmoJ Va na AdrH$ma {H$E JE Xmdm| H$m {VeV, Ho$db
2.6 h.
3. BgHo$ g_j, Hw$b Xmdm| _| go, CmoJ Zo 85.3 {VeV Xmdm| H$m {ZnQ>mZ {H$`m VWm eof 12.1 {VeV, df Ho$ AV _| ~H$m`m Wo &
4. AdrH$V Xmdm| H$s g`m ~T> ahr h, `h dX{Y Bg H$maU h `m|{H$ Bg jo H$m VoOr go {dH$mg hmo ahm h Ama H$mamo~ma H$s _mm ~T> ahr h. Ja-OrdZ ~r_m
H$n{Z`m| mam Omar nm{b{g`m| H$s g`m df-Xa-df ~T> ahr h. `h g`m 2010-11 _| 7.93 H$amoS > Wr (df 2006-07 _| `h Ho$db 4.67 H$amoS > Wr).
VXZwgma, Xmdm gyMZmAm| H$s g`m ^r ~T>oJr Ama Bgr{bE AH$m| H$s {> go, Xmdm| Ho$ AdrH$aU H$s g`m ^r ~T>Jo r.
32
dm{fH$ [anmoQ>
{Zdoe Am`: Ja OrdZ ~r_m H$Vm
Vm{bH$m I.29
Ja OrdZ ~r_mH$VmAm| Ho$ {Zdb bm^/hm{Z`m
(H$amoS> nE)
~r_mH$Vm
2009-10
2010-11
gaH$mar jo
1293.07
-161.51
mBdoQ> jo
-88.56
-857.43
Hw$b
1204.51 -1018.94
eoà YmaH$m| H$mo {V\$b ([aQ>Z)
I.3.55 gaH$mar jo H$s 4 Ja OrdZ ~r_m H$n{Z`m| _| go Ho$db
`wZmBQ>oS> B{S>`m Zo hr amOH$mof _|, df 2009-10 Ho$ 142 H$amoS>
nE Ho$ _wH$m~bo 2010-11 _| 30 H$amoS> nE H$m bm^me {X`m&
mBdoQ> jo H$s H$n{Z`m| _| go Ho$db AmB gr AmB gr AmB bmo~mS> Zo
hr df Ho$ XmamZ 56.59 H$amoS> nE Ho$ bm^me H$m ^wJVmZ {H$`m
(2009-10 _| 64.52 H$amoS> nE) &
I.3.56 H${f ~r_m H$nZr Zo 2010-11 _|, 20 H$amoS> nE, bm^me
Ho$ n _| Kmo{fV {H$E & B gr Orgr Zo df _| 26.10 H$amoS> nE Ho$
bm^me H$m ^wJVmZ {H$`m Omo JV df ^wJVmZ {H$E JE 10.75 H$amoS>
nE go H$m\$s A{YH$ h & Or AmB gr mam {H$`m J`m bm^me ^wJVmZ
2009-10 Ho$ 353 H$amoS> nE Ho$ _wH$m~bo KQ> H$a 2010-11 _|
206 H$amoS> nE ah J`m &
Vm{bH$m I.30
^wJVmZ {H$`m J`mbm^me : Ja OrdZ ~r_mH$Vm
(H$aoS> nE)
~r_mH$Vm
2009-10
2010-11
Ja OrdZ
gaH$mar jo
270.98
30.00
mBdoQ> jo
71.93
56.59
{deofrH$V gWmE
BgrOrgr
10.75
26.10
EAmBgr
0
20.00
nwZ~u_m
Or AmB gr
352.60
206.40
Hw$b
706.26
339.09
I.3.51 df 2010-11 Ho$ XmamZ g^r Ja ~r_mH$VmAm| H$s {Zdoe
Am` 9,382 H$amoS> nE (2009-10 _| 7,682 H$amoS> nE) Wr

{Oggo 22.12 {VeV H$s dX{Y XO hB & g_rjmYrZ df Ho$ XmamZ
mBdoQ> VWm gaH$mar jo, XmoZm| Ho$ ~r_mH$VmAm| H$s {Zdoe Am` _|
dX{Y hB Omo {H$ H$_e: 15.39 {VeV VWm 23.55 {VeV Wr.
Vm{bH$m I.28
{Zdoe Am`
~r_mH$Vm
2009-10
(H$amoS> anE)
2010-11
gaH$mar jo
6347.27
(32.24)
1334.29
(22.28)
7681.56
(30.39)
7842.20
(23.55)
1539.63
(15.39)
9381.83
(22.13)
mBdoQ> jo
Hw$b
2010-11
{Q>nUr: H$mo>H$m| _| {XE JE AmH$S>o g~{ YV jo H$s dX{ Y Xa XemVo h ({VeV _|)&
Ja OrdZ ~r_mH$VmAm| Ho$ {Zdb bm^

I.3.52 df 2010-11 Ho$ XmamZ "Ja-OrdZ ~r_mH$Vm jo"" H$s
{Zdb hm{Z`m 1,019 H$amoS> nE Wr& gaH$mar jo H$s H$n{Z`m| H$s

{Zdb hm{Z`m 162 H$amoS> nE ahr, O~{H$ mBdoQ> jo H$s g^r
H$n{Z`m| H$s {_bmH$a hm{Z`m, 857 H$amoS> nE Wr&
I.3.53 `y B{S>`m H$mo N>moS> H$a gaH$mar jo H$s A` g^r H$n{Z`m|
Zo 2010-11 _| {Zdb bm^ {XIm`m & `wZmBQ>oS> B{S>`m Zo 201011 Ho$ XmamZ 131 H$amoS> nò H$m {Zdb bm^ (2009-10 _o
708 H$amoS> nE) H$_m`m, Omo{H$, gaH$mar jo H$s H$n{Z`m| _|,
gdm{YH$ Wm& gaH$mar jo H$s A` H$n{Z`m, {Ohm|Zo {Zdb bm^
X{eV {H$`m, d| Wr ZoeZb VWm Amo[aEQ>b {OhmoZo H$_e: 75
H$amoS> nE VWm 55 H$amoS> nE H$m {Zdb bm^ ~Vm`m& `yB{S>`m Zo
422 H$amoS> nE H$s {Zdb hm{Z ~Vm`m (Q>oQ>_|Q> g. 55)&
H$m`mb`m| H$s g`m

I.3.57 31 _mM 2011 H$s pW[V _|, Ja-OrdZ ~r_m H$n{Z`m,
6,660 H$m`mb`m| go nyao Xoe _| n[aMmbZ H$m` H$a ahr Wr& BZ_| go
gaH$mar jo H$s H$n{Z`m| H$s 4911 emImE VWm mBdoQ> jo H$s
H$n{Z`m| H$s 1749 emImE Wr (Q>oQ>_|Q> g. 72) &
Vm{bH$m I.31
Ja OrdZ ~r_m H$m`mb`m| H$s g`m
(31 _mM H$s pW{V)
~r_mH$Vm
2009-10
2010-11
gaH$mar jo*
4771
4911
BdoQ> jo
1646
1749
Hw$b
6417
6660
I.3.54 2010-11 _| 15 mBdoQ> H$n{Z`m| _| go Ohm 2 H$n{Z`m| Zo
bm^ {XIm`m dht eof 13 H$mo {dZb hm{Z`m hB & ~OmO Am{b`mO
H$m 2010-11 _| {Zdb bm^, 43 H$amoS> nE Wm (2009-10 Ho$
121 H$amoS> nE H$s VwbZm _|) & lram_ Zo 13 H$amoS> nò H$m {Zdb
bm^ (2009-10 _| 16 H$amoS> nE) X{eV {H$`m& {OZ 13
~r_mH$VmAm| Zo hm{Z`m XO H$s do Wo - [abm`g, EM S>r E\$gr EaJmo,
`yMa OZabr, `w{Zdgb gm|nmo ^maVr EEgE, ahoOm `y ~r B,
AmB gr AmB gr AmB bmo~mS>, am`b gwXa_, Q>mQ>m E AmB Or, B\$H$mo
Q>mo{H$`m|, Mmobm_S>b_, Eg~rAmB OZab VWm Eb ES> Q>r OZabr
(Q>oQ>_|Q> g. 58) &
{Q>nUr: *BZ_| {deofrH$V ~r_mH$Vm EAmBgr VWm BgrOrgr em{_b h&

33
2010-11
dm{fH$ [anmoQ>
MmQ> I.12
Ja-OrdZ ~r_m H$m`mb`m| H$s g`m
2009-10
7000
2010-11
6000
5000
4000
3000
2000
1000
gaH$mar jo
mBdoQ> jo
Hw$b
* Bg_| {deofrH$V ~r_H$Vm E AmB gr VWm B gr Or ^r em{_b h &
{deofrH$V gWmE
I.3.60 {ZJ_ Ho$, m{YH$aU Ho$ {d{Z`m_H$ T>mMo Ho$ AYrZ AmZo Ho$
^maVr` {Z`mV F$U JmaQ>r {ZJ_
n[aUm_ dn, gJV {d{Z`m_H$ mdYmZm| Ho$ AZwn ~H$ O_m am{e`m|
go {Zdoe Adgam| H$s Amoa, Yrao-Yrao {eQ> hmoZo Ho$, n~XY `mg
{H$E Om aho h& 2009-10 Ho$ 2,620 H$amoS> nE H$s VwbZm _| df
2010-11 _| {Zdoe dX{Y 3,164 H$amoS> nE AWmV 21 {VeV
Wr Ama H$nZr H$s Hw$b gn{m`m| _| 5 {VeV H$s dX{Y hB Ama ò
2009-10 H$s 1,959 H$amoS > nE go ~T> H$a 2010-11 _| 2,062
H$amoS> nE hmo JB &
I.3.58 ^maVr` {Z`mV F$U JmaQ>r {ZJ_ EH$ {deofrH$V ~r_mH$Vm h,
Omo {Z`mV F$U ~r_m Ho$ H$mamo~ma H$m Omo{I_ AH$Z H$aVm h. H$nZr Zo
2010-11 Ho$ XmamZ 885 H$amoS> nE Ho$ gH$b grYo r{_`_ H$m
Omo{I_ AH$Z {H$`m {Oggo 2009-10 _| Omo{I_ A{H$V 813
H$amoS> nE Ho$ _wH$m~bo 8.91 {VeV H$s dX{Y XO hB & {Zdb
AmYma na ~r_mH$Vm Zo 675 H$amoS> nE H$m r{_`_ A{OV {H$`m&
O~{H$ JV df `h am{e 576 H$amoS> nE Wr & ~r_mH$Vm Zo 201011 _| 225 H$amoS> nE H$s Omo{I_ A{H$V hm{Z XO H$s (200910 _| 171 H$amoS> nE H$s hm{Z)& H$nZr H$m {Zdb bm^, JV df Ho$
53.73 H$amoS> nE go ~T> H$a 85.66 H$amoS> nE hmo J`m & ~r_mH$Vm
Zo 2010-11 _| "112.24" CnJV-Xmdm-AZwnmV [anmoQ> {H$`m
(2009-10 _o 117.22) &
H${f ~r_m H$nZr B{S>`m {b{_Q>oS>

I.3.61 ^maVr` H${f ~r_m H$nZr EH$ {deofrH$V ~r_mH$Vm h, Omo
H${f ~r_o Ho$ H$mamo~ma H$m Omo{I_ AH$Z H$aVr h & H$nZr Zo 201011 Ho$ XmamZ 1,950 H$amoS> nE Ho$ gH$b grYo r{_`_ H$m Omo{I_
AH$Z {H$`m {Oggo 2009-10 _| Omo{I_ A{H$V 1,520 H$amoS>
nE Ho$ _wH$mdbo, 28.26 {VeV H$s dX{Y XO hB & {Zdb AmYma
na ~r_mH$Vm Zo 1275 H$amoS> nE H$m {Zdb r{_`_ A{OV {H$`m,
O~{H$ JV df `h am{e, 1,023 H$amoS> $nE Wr& ~r_mH$Vm Zo 412
H$amoS> nE H$m Omo{I_-AH$Z-bm^ gy{MV ([anmoQ>) {H$`m (200910 _| 143 H$amoS> nE H$s hm{Z) & H$nZr H$m {Zdb bm^ JV df Ho$
33.40 H$amoS> nE go ~T> H$a 380 H$amoS> nE hmo J`m & df
2010-11 Ho$ {bE H$nZr H$m "CnJV-Xmdm-AZwnmV" 74.47 Wm&
(2009-10 _| 116.30) &
I.3.59 Q>mg\$a Jma{Q>`m| H$mo {_bmH$a {ZJ_ Ho$ nmg, 2010-11 _|
13,093 Anm{d{Y {Z`mV F$U ~r_m nm{b{g`m Mmby Wr (200910 _| 13,429)& df Ho$ XmamZ Anmd{Y nm{b{g`m| na A{OV
r{_`_ Am`, 333 H$amoS> nE Wr (2009-10 _| 289 H$amoS>
nE) {Oggo g_rjmYrZ df _| 14.91 {VeV H$s dX{Y XO hB
O~{H$ JV df 37.5 {VeV H$s _O~yV dX{Y hB Wr& 2009-10
Ho$ 36.90 H$amoS> nE H$s VwbZm _| 2010-11 Ho$ XmamZ _`md{Y
VWm XrKd{Y H$mamo~ma go hwB r{_`_ Am` 41.23 H$amoS> nE Wr
{Oggo 11.73 {VeV dX{Y XO hB &
34
dm{fH$ [anmoQ>
dm` ~r_m H$n{Z`m
2010-11
{bE nOrH$aU {_bm, AnZo n[aMmbZ Ho$ MmWo df _| H$nZr Zo 200910 Ho$ 115 H$amoS> nE H$s VwbZm _| 2010-11 _| 283 H$amoS>
nò Ho$ gH$b grYo r{_`_ H$m Omo{I_ AH$Z {H$`m, {Oggo 146.54
{VeV H$s dX[X XO hB& H$nZr mam A{OV, "Omo{I_-A{H$V{Zdb-r{_`_' 2009-10 Ho$ 69.96 H$amoS> nE go ~T> H$a
148.74 H$amoS> nE hmo J`m & H$nZr Zo 2010-11 _| 94.42
H$amoS> nE H$s ""Omo{I_-AH$Z-hm{Z"" (2009-10 _| 98.65
H$amoS> nE H$s hm{Z, VWm 79.44 H$amoS> nE H$s CnJV {Zdb hm{Z
(2009-10 _| 89.70 H$amoS> nE H$s, {Zdb hm{Z) X{eV H$s&
2010-11 _| ~r_mH$Vm H$m "CnJV-Xmdm-AZwnmV", 61.96 {VeV
Wm (2009-10 _| 85.39 {VeV)&
I.3.62 ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU Zo AZ` n go ~r_m
H$mamo~ma KQ>H$ _| n[aMmbZ H$aZo Ho$ {bE, VrZ ~r_m H$n{Z`m| H$mo
bmBg|g XmZ {H$E h& BZ H$n{Z`m| H$m H$m` {ZnmXZ ZrMo {X`m J`m
h.
Q>ma hW ES> EbmBS> ~r_m H$nZr
I.3.63 Q>ma hW Egr nhbr H$nZr Wr {Ogo 2006-07 _|,
dm`, `pVJV-XwKQ>Zm VWm `mm ~r_m KQ>H$m| _| AZ` n go

Omo{I_ AH$Z Ho$ {bE nOrH$aU XmZ {H$`m J`m & AnZo n[aMmbZ
Ho$ nmMdo df _|, ~r_mH$Vm Zo, 2010-11 _o 1,228 H$amoS> nE H$m
"gH$b-grYm-r{_`_' Omo{I_ A{H$V {H$`m Omo {H$ 2009-10
_| A{H$V 962 H$amoS> nE Ho$ _wH$m~bo 27.65 {VeV H$s dX{Y
XemVm h& {Zdb AmYma na ~r_mH$Vm Zo 831 H$amoS> nE H$m {Zdb,
r{_`_ H$_m`m O~{H$ JV df `h am{e 610 H$amoS> nò Wr&
~r_mH$Vm Zo 2010-11 _| 8.68 H$amoS> nE H$s ''Omo{I_ AH$Z
hm{Z"" [anmoQ> H$s (2009-10 _| 1.74 H$amoS> nE H$s hm{Z)&
{dmr` df 2010-11 _| JVdf Ho$ 5.26 H$amoS> nE Ho$ _wH$m~bo _|
~r_mH$Vm Zo 7.39 H$amoS> nE H$m {Zdb bm^ ~Vm`m& df 201011 Ho$ {bE H$nZr H$m "CnJV-Xmdm-AZwnmV" 91.19 Wm (200910 _| 87.11) &
_g ~wnm hW Be`moa|g
I.3.65 _g ~wnm hoW B`moa|g, AZ` n go dm` ~r_m H$mamo~ma
H$aZo dmbr Vrgar H$nZr h {Ogo 2009-10 _| nOrH$aU _mUn

Omar {H$`m J`m Wm& H$nZr Zo 2010-11 _| 25 H$amoS> nE H$m
"gH$b grYm r{_`_' Omo{I_ A{H$V {H$`m O~{H$ JV df _| 0.13
H$amoS> nE hr A{H$V {H$E JE Wo `m|{H$ BgZo AnZo n[aMmbZ _mM
2010 _o hr ew {H$E Wo& 2010-11 _| H$nZr mam Omo{I_ A{H$V,
"A{OV-{Zdb-r{_`_' 8.07 H$amoS> nò Wm& H$nZr Zo 201011 _| 124 H$amoS> nE H$s Omo{I_ A{H$V hm{Z [anmoQ> H$s& H$nZr Zo
JV df Ho$ 36.60 H$amoS> nE Ho$ _wH$m~bo 2010-11 _| 116.25
H$amoS> nE H$s {Zdb hm{Z ggy{MV H$s & 2010-11 Ho$ {bE BgH$m
""CnJV-Xmdm-AZwnmV'' 50.31 n{VeV Wm &
Anmobmo `y{ZI hW Be`moa|g

I.3.64 Anmobmo `y{ZI Eogr Xygar H$nZr Wr {Ogo dm`, `{$JV
XwKQ>Zm, VWm `mm ~r_m KQ>H$mo _| AZ` $n go, Omo{I_ AH$Z Ho$
~mg _X-3
dm` ~r_m gwdmVm (nmoQ>}{~{bQ>r)
df 2008-09 Ho$ XmamZ m{YH$aU Zo EH$ AmH$S>m gJmhH$ ([S>nmo{OQ>ar) H$s WmnZm H$s Vm{H$ ~r_mH$VmAm| H$mo, dm` ~r_m na, m_m{UH$,
_O~yV Ama n> AmH$S>o m hmo gH|$. Bg g~Y _| AmJo, EH$ Ama H$X_ Ho$ n _| ~r_m {d{Z`m_H$ {dH$mg m{YH$aU VWm CmoJ Zo, dm`
~r_m gwdmVm Ho$ _wo na H$m\$s JhZ MMm H$s & n[aUm_dn gmYmaU ~r_m n[afX (Or AmB gr) Zo EH$ dm` ~r_m nm{bgr V`ma H$s Omo
g^r ~r_mH$VmAm| Ho$ {bE EH$ _mZH$ H$m H$m_ H$a gHo$ Ama Hw$N> hXVH$ nm{bgr YmaH$m| H$mo ^r dVVm {_b gHo$ {H$ do m ~moZg am{e aIVo
hE ^r ~r_m Xm`H$m| H$mo ~Xb gH|$ &
Or AmB gr mam AZwe{gV _mZH$ CnmX H$s OmM H$aVo g_` m{YH$aU Zo nm`m {H$ Am`w VWm ~r{_V. am{e go g~{YV gr_mAm| Ho$ H$maU, `h
Vm{dV _mZH$ CnmX erK hr AM{bV hmo OmEJm. CXmhaUmW, A{YH$V_ ~r{_V am{e Ho$db 2 bmI nE aIr JB h, Omo {H$ _o{S>H$b \w${V
Ho$o$ H$maU, nmM dfo _|, {ZaWH$ hmo OmEJr. Bg _mZH$ CnmX H$mo V_m_ gMma gmYZm| Ho$ O[aE Co{IV {H$`m J`m Ama {d{^ ggXr` Zm|
Ho$ _m`_ go ò _wXXo ggX _| ^r CR>mE JE Ama m{YH$aU Zo ggX H$mo AmdV, {H$`m {H$ BZ {MVmAm| H$m C{MV g_mYmZ {ZH$mbm OmEJm.
Cn`w$ Ho$ A{V[a$, g^r ~r_mH$VmAm| H$mo m, {VHy$b Xmdm AZwnmVm| Ho$ n[aUmdn, VWm gaH$mar jo Ho$ ~r_mH$mVmAm| mam r{_`_ ~T>mZo
Ho$ D${_ ^md Ho$ H$maU, nm{bgrYmaH$m| H$mo g^r dm` ~r_m nm{b{g`m| Ho$ r{_`_m| _| VoO dX{Y H$m gm_Zm H$aZm nS>m & Bggo ~r{_V `{$
Ho$ Ho${S>Q> H$m gkmZ Z boZo Ho$ g~Y _| nm{bgrYmaH$m| H$s {eH$m`Vm| _| H$m\$s dX{Y hB, {deofH$a O~ ^r nm{bgr YmaH$ ~r_m H$nZr ~XbVm
h Vmo nhbo go _mOyX ~r_m[a`m| H$daoO Am{X Ho$ {bE Vrjm Ad{Y Ho$ g~Y _| ~hV {eH$m`V| {_br& CmoJ _| Bg {df` na H$m\$s-MmM Ama
{dMma {d_e Ho$ H$m nMmV, m{YH$aU Zo `h {ZH$f {ZH$mbm h {H$ g_V ~r{_V `{$`m| H$mo, nyao CmoJ _|, ~r_m Ad{Y Ho$ {bE, Ho${S>Q> XmZ
{H$`m OmE Ama `h Ho$db {H$gr {d[e> ~r_m H$nZr VH$ hr gr{_V Zhr ahZm Mm{hE &
Bggo nm{bgr YmaH$ H$mo H$go bm^ hmoJm:
dm` ~r_m gwdmVm ew hmoZo go, nm{bgr YmaH$ hr {ZU`H$Vm hmo OmEJm, Ama dm` ~r_m ""n[apW{V H$s V"" _| `mZmH$fU H$m Ho$X
~Z OmEJm& ~Om` BgHo$ {H$ ~r{_V `{$ H$mo, dm` ajm hoVw, ~r_m V H$mo hr A_m` H$aZm nS>o A~ ~r{_V `{$ Ho$ nmg, EH$ ~r_m H$nZr
go Xygao ~r_m H$nZr _| OmZo H$m {dH$n _mOyX h & ZmH$ar ~XbZo dmbo H$_Mm[a`m| H$mo, Bg {dH$n go, AnZm ~r_m AmJo bo OmZm, Ama AmgmZ
35
dm{fH$ [anmoQ>
2010-11
gH$Vm h, AnZr ~r_m bmZ H$mo `{$JV bmZ _| ~XbZo H$s amh Iwb OmEJr& Ohm VH$ ~r_mH$VmAm| H$m Z h, Bgo CZ_| {V`mo{JVm Ama
H$S>r hmo OmEJr Ama `{X do d` H$mo JmhH$m| H$s AmemAm| Ho$ AZwn T>mb H$a AnZo nm{bgr YmaH$m| H$mo AnZo nmg ~ZmE aIZm MmhVo h Vmo Cho
AnZr nooeH$em|, _y`m| Ama godmAm| Ho$ Vam| _| gwYma bmZm nS>oJm& Bg ZE Cnm` _| Omo g~go _hdnyU ~mV h, `h h {H$, ~r_m CmoJ na X~m~
S>mbm OmE {H$ dh CnMmJa na AmB bmJVm| Ho$ _mZH$sH$aU H$s {Xem _| H$madmB H$a|, `m|{H$ A~ Z Vmo ~r_mH$Vm Ama Z hr AnVmb, bmJVmo
Ho$ {V CmaXm{`d Ama nmaX{eVm go ~M gH$Vo h & ~r_m {d{Z`m_H$ {dH$mg m{YH$aU Zo, dm` ~r_m H$s gwdmVm {df` na 2 n[an Omar
{H$E JE h &
1.
{XZmH$ 10 \$adar 2011 H$m n[an:
~r_m {d{Z`m_H$ {dH$mg m{YH$aU Zo ~r_m H$n{Z`m| H$mo gy{MV {H$`m h {H$ O~ H$moB nm{bgr YmaH$ AnZr nm{bgr, EH$ ~r_mH$Vm go Xygao
~r_mH$Vm _| n[ad{VV H$aVm h `m EH$ bmZ go Xygar bmZ _| OmVm h, Vmo Vrjm Ad{Y Ho$ gX^ _|, nm{bgr YmaH$m| H$mo, nhbo go _mOyX
pW{V`m| _| m Ho${S>Q> H$mo, AmJo bo OmZo H$s AZw_{V XmZ H$s OmE, ~eV] {H$, {nN>br nm{bgr H$mo {~Zm ~oH$ Ho$ Omar aIm J`m h &
{OZ nm{bgr`m| Ho$ {bE nm{bgrYmaH$m| Zo gwdmVm H$m {dH$n MwZm h, CZgo g~{YV H$n{Z`m| Ho$ g_V AmH$S>o Ama Xmdm| Ho$ {ddaU,
`{X {VWm`r (H$mCQ>anmQ>) H$nZr Zo _mJo h Vmo, AZwamoY m{ Ho$ gmV H$m` {Xdgm| Ho$ ^rVa, Cg {VWm`r H$nZr H$mo {ÔdmE OmZo
hm|Jo & {d{Z`m_H$ Zo, gwdmVm AmdoXZ-nm| H$s nmdVr Ho$ {bE 3 {XZ H$s g_`d{Y XmZ H$s h.
Amem h {H$ Bg gwYma go, g_yMo ~r_m CmoJ _| EH$ gH$mam_H$ n[adVZ AmEJm & CmoJ go OwS>o bmoJm| Zo Bg `mg H$m dmJV {H$`m h&
dm` ~r_m gwdmVm go, dm` ~r_mH$VmAm| Ho$ ~rM, {V`mo{JVm H$s ^mdZm Ama ~T>oJr `m|{H$ Ch| AnZo dV_mZ JmhH$m| ~ZmE
aIZm h&
Bggo `h ^r gw{ZpMV hmoJm {H$ Bg {Xem _| {ZaVa A{^Zd `mg hmoVo h Ama j_Vm _mZXS>m| Ama godmAm| _o ^r gwYma hmoVm h &
2.
{XZmH$ 9 {gV~a 2011 H$m n[an:
`h Amd`H$ g_Pm J`m H$m {H$ dm` ~r_m Ho$ B{Vhmg go g~{YV AmH$S>o EH$ H$aZo, VWm nmo{Q>J nm{bgrYmaH$ Ho$ [aH$mS>m] Ho$ AVaU
na {ZJamZr aIZo Ho$ {bE, E\$ Umbr ewar H$s OmE & Bg gX^ _| `h {ZU` {b`m J`m {H$ dm` ~r_m nm{b{g`m| H$s gwdmVm H$m
H$m`, 1 Ay$~a 2011 go ma^ hmoZm AmXo{eV {H$`m OmE.
dm` ~r_m gwdmVm g~Yr {dVV {H$`mE, {ZYm[aV/Kmo{fV H$a Xr JB h.
'gwdmVm" Ama "nm{bgr _| ~oH$" H$s n[a^mfm:
gwdmVm: gwdmVm go Vmn`, {H$gr `{$JV dm` ~r_m nm{bgr YmaH$ (n[adma ~r_m g{hV) H$mo `h A{YH$ma XmZ H$aZo go h,
{H$ O~ dh AnZr nm{bgr EH$ ~r_H$Vm go Xygao ~r_mH$Vm _| n[ad{VV H$aVm h `m EH$ hr ~r_mH$Vm H$s EH$ bmZ go Xygar bmZ _| OmVm
h, Vmo dh nhbo H$s pW{V _| m VWm g_` ~XY AndOZm| _| m, Ho${S>Q> H$mo, AV[aV H$a gH$Vm h, ~eV] {H$ {nN>br nm{bgr, {~Zm
~oH$ Ho$ Omar aIr JB hmo &
nm{bgr _| ~oH$: nm{bgr _| ~oH$ V~ nS>Vm h O~ {H$gr nm{bgr H$m ~H$m`m r{_`_, r{_`_ ZdrH$aU {V{W H$mo `m Cggo nyd `m CgHo$
30 {XZm| Ho$ ^rVa, O_m Zht H$adm`m OmVm h &
AmJo go, Ny>Q> Ad{Y ~T>m H$a 30 {XZ H$a Xr JB h
dm` ~r_o Ho$ gwdmVm na nmoQ>b
^maVr` gmYmaU ~r_m {ZJ_ (Or AmB gr)
I.3.67 OrAmBgr mam Omo{I_ A{H$V Hw$b {Zdb r{_`_, 2009-
10 Ho$ 8,777 H$amoS> nE go 19.78 {VeV ~T>H$a df 201011 _| 10,513 H$amoS> nE hmo J`m& nwZ~u_mH$Vm H$m {Zdb A{OV
r{_`_ Ag_m Omo{I_m| hoVw (ma{jV {Z{Y`m| Ho$ g_m`moOZ Ho$
nMmV {Zdb r{_`_) H$m\$s (18.17 {VeV) ~T>m Ama 200910 Ho$ 8,076 H$amoS> nE go ~T>H$a 2010-11 _| 9,544 H$amoS>
nE hmo J`m& Or AmB gr H$m "{Zdb-CnJV-Xmdm-AZwnmV' 201011 _| 8,626 H$amoS> nE na 90.38 {VeV Wm O~{H$ 200910 _| `h am{e 6,856 H$amoS> nE Ama AZwnmV 84.89 {VeV
Wm& H$nZr Zo JVdf Ho$ 1,775 H$amoS> nE H$s VwbZm _|, df Ho$
XmamZ 1,033 H$amoS> nE H$m {Zdb bm^ (Q>g Ho$ ~mX) ~wH$ {H$`m
Omo {H$ JV df H$s VwbZm _| 41.77 {VeV H$s {JamdQ> {XImVm h&
I.3.66 Or AmB gr AHo$br Eogr am>r` ~r_H$Vm H$nZr h Omo ^maV
H$s grYo H$mamo~ma H$aZo dmbr gmYmaU ~r_m H$n{Z`m| H$mo nwZ~u_m
XmZ H$aVr h& H$nZr H$mo nwZ~u_m H$m`H$_ A{YH$V_ H$mamo~ma, Xoe
_| hr aIZo, EgnmoOa Ho$ {bE g_w{MV H$daoO gw{ZpMV H$aZo VWm
Kaoby ~mOma Ho$ ^rVa n`m j_VmE H$aZo Ho$ CXXo`m| H$mo nyam H$aZo
H$s {> go V`ma {H$`m J`m h& `h "VVr` njH$ma _moQ>a nyb' H$m ^r
~YH$ h OrAmBgr, Kaoby ~r_mH$VmAm| mam Omar òH$ nm{bgr na
gm{d{YH$ AnU (goeZ) m H$aVr h Omo {H$ Hw$N> gr_mAm|, brS>g
Q>rQ>r VWm BZ H$n{Z`m| Ho$ EopN>H$ H$m`mH$_m| Ho$ AYrZ hmoVr h&
36
dm{fH$ [anmoQ>
I.4. g_rjm
2010-11
{d{eQ>Vm "`y{ZQ>-g`w$ ~r_m CnmXm|" H$s {dH$s Ho$ g~Y _| Ama

{d{e> Cnm`m| H$s OaV _hgyg H$s h& `y{bn Ho$ g~Y _| ~r_m
{d{Z`m_H$ Ama {dH$mg m{YH$aU Zo {ZYm[aV {H$`m h {H$ ~r_mH$Vm,
òH$ nm{bgr df _| {d{^ ^mam| Ho$ {V H$mQ>r OmZo dmbr am{e Ho$
~mao _|, g^r H$ma H$s g~{ YV OmZH$mar g^m{dV JmhH$/nm{bgrYmaH$
H$mo Ad` XmZ H$a| Vm{H$ g^m{dV JmhH$ gmoM g_P H$a {ZU` bo
gH|$& BgHo$ Abmdm, ~r_mH$Vm ""bm^m| Ho$, CXmhaU ^r Xo {Og_| 6
{VeV Ama 10 {VeV Ho$ Xmo dJ ~ZmE & g^m{dV JmhH$ H$mo nm{bgr
Vmd Ho$ gmW-gmW BZ bm^-{ZX}em| na ^r hVmja H$aZo O$ar
hm|Jo &
I.4.1 nm{bgr YmaH$m| Ho$ {hVm| H$s gwajm

I.4.1.1 nm{bgr YmaH$m| H$s gwajm g\$b _mZr OmVr h `{X Hw$N>
AmYma^yV nam_rQ>am| H$mo m {H$`m OmE {OZ_| go _wI h nmaX{eVm & ^mdr ~r_mH$VmAm|, eVm] Ama Omo{I_m| Ho$ ~mao _|, nyU,
n>, n`m Ama VwbZm_H$ OmZH$mar Xr OmZr Mm{hE& {~H$s Ama
mo_moeZ Ho$ d$ gdm}` nmaX{eVm hmoZr Mm{hE, Vm{H$ nm{bgr YmaH$
{ddV hmo OmE {H$ Cgo CnmX Ho$ ~mao _| nyU OmZH$mar Xr Om ahr h&
~r_m H$n{Z`m| mam nm{bgrYmaH$m| H$mo ghr Q>rQ>_|Q> Xr JB h& Bgo
gw{ZpMV H$aZo Ho$ {bE, CnmXm| Ho$ ~mao _| n> Ama nyU OmZH$mar
XoZm, Z Ho$db _yb^yV Anojm h ~pH$ EH$ Amd`H$Vm ^r h& ~r_m
{d{Z`m_H$ Ama {dH$mg m{YH$aU (nm{bgrYmaH$m| Ho$ {hVm| H$s gwajm)
{d{Z`_ 2002, Z Ho$db ~r_mH$VmAm| Ama _`Wm| H$s ~m`VmAm|
H$mo hr nm[a^m{fV H$aVm h ~pH$ {d{^"" nm{bgrYmaH$m| g{dqgJ
nam_rQ>am|"" Ho$ AZwnmbZ Ho$ {bE g_` gr_m ^r {ZYm[aV H$aVm h,
{Og_| {~H$s g{dqgJ, Xmdm-g{dqgJ VH$ H$m ~r_m CnmV H$m nyU
OrdZ MH$ AmVm h& _`Wm|/EO|Q>m| H$manm}Q> EO|Q>m| VWm ~moH$am| go
g~{YV {d{Z`_, A` ~mVm| Ho$ gmW gmW {dH$` q~Xw g_oV, g~
Vam| Ho$ {bE AmMma-g{hVm {ZYm[aV H$aVo h& ~r_m {d{Z`m_H$ Ama
{dH$mg m{YH$aU (~r_m {dkmnZ VWm H$Q>Z) {d{Z`_, 2000
{dH$` Va na {dkmnZ VWm H$Q>Z g~Yr AnojmE {ZYm[aV H$aVo h.
A` nam_rQ>am| Ho$ Abmdm, ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU
H$s "\$mBb ES> `yO {H$`m" CnmX H$s gabVm Ama CgH$s g_P H$s
{> go ^r EH$ A`mg {S>b h &
I.4.1.4 A^r hmb hr _| ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU Zo
{d{e> {d{Z`_m|/dV_mZ {d{Z`_m| _| gemoYZm| Ho$ n _| Hw$N> ZB

nhb H$s h & BZ_| Hw$N> {dVaU g~Yr gemoYZ ^r h Vm{H$ `h
gw{ZpMV {H$`m Om gHo$ {H$ ~r_m CnmXm| H$s {~H$s _| {~Zm bmBg|g
dmbo bmoJ/gWmE ^mJ Z bo gH|$ & Ohm nm{bgr H$s {~H$s hmo JB h
dhm H$_reZ Ho$ Abmdm {H$gr Ama {H$_ H$m nm[al{_H$ XoZo H$m ^r
H$moB H$mon Zht ah J`m h& BZgo ~r_mH$VmAm| Ho$ IM] KQ>|Jo Ama
n[aUm_ dn nm{bgrYmaH$ H$mo ^r H$_ r{_`_ H$m ^wJVmZ H$aZm
nS>oJm & ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU (~r_m CnmXm| Ho$
{dVaU hoVw AmH$S>m AmYma H$mo eoà H$aZm) {d{Z`_, 2010 ~Zm
H$a, m{YH$aU Zo, "ao\$aO" Ho$ _wXXo H$m ^r hb {ZH$mb {X`m h Ama
Bg go Umbr Ho$ Xwn`moJ H$m H$moB H$mon hr Zhr ahm &
I.4.1.5 JbV gbmh Ama Xw{dH$s na AHw$e bJmZo H$s {Xem _|
"Amd`H$Vm {dbofU" EH$ A` Z`m `mg h, {Ogo m{YH$aU Zo

nhMmZm h& ~r_mH$Vm H$mo ""monoQ>-mS>Q>-_{Q>g"" aIZm hmoJm,
Omo {H$, {H$E JE Amd`H$Vm {dbofU Ho$ AmYma na "CnmX" H$mo
OaV go _M H$admEJm& Bg `mg Ho$ g~Y _| Q>oH$hmoS>am| go
\$sS>~H$ m hmo J`m h Ama "mn {Xem{ZX}e" V`ma {H$E Om aho h&
"Xya {dnUZ' g~Yr {Xem{ZX}e m{YH$aU mam Omar {H$E Om MwHo$ h,
{Og_| Xya-{dnUZ, Omo {H$ C$ mmo{JH$s H$m hr EH$ n[aUm_H$mar
H$maH$ h, Ho$ `moJ mam, Xw{~H$s H$aZo go nXm hB MwZm{V`m| go {ZnQ>m
J`m h & _mZm {H$ ZE Ama VoO MZbm| Ho$ bm^ {bE OmZo Mm{hE _Ja
CZgo {OZ byn hmoO H$m {Z_mU hmoVm h Ch| ^r ~X H$aZo H$s OaV
h, Ama gjon _| `hr BZ {Xem{ZX}em| H$m CXXo` ^r h &
I.4.2 `h gw{Z[MV H$aZo Ho$ {bE {H$ g^m{dV JmhH$m|/nm{bgrYmaH$m|
H$mo Ch| g_P _| AmZo dmbr ^mfm _| CnmXm| H$s OmZH$mar {_b gHo$,
m{YH$aU Zo gab ^mfm _| EH$ "_wI {deofVmE XVmdoO" Ama^
H$aZo H$m Vmd {H$`m h& "_wI {deofVmE XVmdoO" `h ^r gw{ZpMV
H$aoJm {H$ ~r_mH$VmAm| Zo CnmX g~Yr g^r OmZH$m[a`m XVmdoO _|
Xo Xr h, Ogo-r{_`_ Ho$ {ddaU ^wJVmZ H$s {d{Y, {d{^ ^ma,
em{_b-Omo{I_, nm{bgr Omar Z aIr Vmo `m hmoJm, B`m{X& ~r_m
{d{Z`m_H$ Ama {dH$mg m{YH$aU "_wI {deofVmE XVmdoO" Ho$
g~Y _| {Xem{ZXoem| Ho$ EgnmoOa S>mQ> na, {d{^ Q>oH$hmoS>g go
m OmZH$mar H$s OmM H$a ahm h &
I.4.1.6 ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU Zo OrdZ ~r_m

I.4.1.3 nm{bgrYmaH$m| H$s gwajm H$m EH$ A` _hdnyU nhby h {H$
nm{b{g`m| H$mo ~ZmE aIZo (na{gQ>ogr) Ho$ {bE EO|Q>m| H$mo {Xem
{ZXoe
Omar {H$E h Vm{H$ gw{ZpMV {H$`m Om gHo$ {H$ EO|Q> g, nm{b{g`m|
H$mo g{dg XmZ H$aVo aho, {Oggo nm{bgrYmaH$m| H$mo XrKmd{Y n go
g{dg XmZ H$aZo H$m CXXo` ^r nyam hmo gHo$, Z {H$ {g\$ {~H$s
~T>mZo H$m &
~r_mH$Vm VWm _`W, nm{bgr ~oMVo d$ O~aXVr Zht H$aoJ| &

O~aVr hr Zht ~pH$ Cggo ^r A{YH$ "Xw{~H$s" ({_g gob) Zht
H$a|Jo& ~r_m gwajm {d{Z`m_dbr VWm _`Wm| Ho$ {bE V`ma {H$E JE
{d{Z`_m| _| BZ _wXXm| H$m nyam `mZ aIm J`m h& VWm{n Hw$N> CnmXm|
H$s pb>Vm H$mo XoIVo hE ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU _|
37
dm{fH$ [anmoQ>
2010-11
~mg _X-4
EH$sH$V {eH$m`V ~YZ Umbr (AmBOrE_Eg)
~r_m {d{Z`m_H$ {dH$mg m{YH$aU (nm{bgr YmaH$m| Ho$ {hVm| H$s gwajm) {d{Z`_ 2002, Ho$ AVJV, ~r_mH$Vm H$n{Z`m| H$mo, nm{bgrYmaH$m| Ho$ {bE
E\$ ^mdr Ama V J{V dmbr {eH$m`V {ZdmaU Umbr ew H$aZr h& BgHo$ A[V[a$, ~r_m {d{Z`m_H$ {dH$mg m{YH$aU mam Omar, {eH$m`V
{ZdmaU g~Yr {Xem{ZX}em| _|, Odm~, gH$n, B`m{X Ho$ {bE {d{e> ""g_` gr_mE Ama Q>Z EamCS> Q>mBg"" (Q>rEQ>r) {ZYm[aV {H$E JE h, BZ
na ^mdr {ZJamZr aIZo VWm nyao ~r_m CmoJ H$s {eH$m`Vm| go g~Yr AmH$S>m| H$mo aIZo Ho$ {bE EH$ H|$rV gJmhH$ ~ZmZo Ho$ {bE ~r_m {d{Z`m_H$
{dH$mg m{YH$aU Zo 1 Ab 2011 go EH$ EH$sH$V {eH$m`V ~YZ Umbr (AmBOrE_Eg) H$m`mpdV H$s h& AmB Or E_ Eg, nm{bgr YmaH$m|
H$mo nhbo ~r_m H$n{Z`m| Ho$ nmg AnZr {eH$m`V| XO H$aZo H$m mdYmZ H$aVm h Ama ~mX _|, OaV nS>Zo na ~r_m {d{Z`m_H$ {dH$mg m{YH$aU
Ho$ {eH$m`V H$sjm| _| ^r, ò {eH$m`V| XO H$s Om gH$Vr h & Bg Umbr _| do~ BQ>a\o$g H$m `moJ hmoVm h& Vm{H$ gw{ZpMV {H$`m Om gHo$ {H$ ò
g^r WmZm| na erK g_` _| XO H$s Om gHo$& `h ` AmdmO go m {eH$m`V| ^r XO H$a gH$Vm h (~r_m {d{Z`m_H$ {dH$mg m{YH$aU {eH$m`V
H$mb g|Q>a-AmBOrgrgr Ho$ _m` go) Omo {H$ ^m{VH$ Ama gmWr hr, B-_ob go ^r hmo gH$Vm h&
df 2011-12 H$s nhbr {V_mhr _|, AmB Or E_ Eg Ho$ O[aE, Hw$b 73,419 {eH$m`Vo XO hB {OZ_| go 68,994 na H$madmB hB `{X {H$gr
{eH$m`V na ~r_m H$nZr 15 {XZ Ho$ ^rVa H$madmB Zht H$aVr h Vmo {eH$m`V, ~r_m {d{Z`m_H$ {dH$mg m{YH$aU _| Mbr OmVr h &
Bg g_`, 25, ~r_m H$n{Z`m| H$s {eH$m`V ~YZ Um{b`m, ''jV{Mha{hV (gr_bog) ar{V go AmB Or E_ Eg Ho$ gmW OwS>r hB h, Ohm
{eH$m`Vm| Ho$ `mamo H$m AVaU VH$mb hmo OmVm h & eof ~r_mH$Vm, dV_mZ _|, X{ZH$ AmYma na, ~M _moS> _| gyMZmE AnbmoS>/S>mCZbmoS> H$aVo h
Ama BZ H$n{Z`m| Ho$ {bE gr_bog ar{V ew H$aZo Ho$ `mg {H$E Om aho h & AmBOrE_ Eg Ama AmB Or gr gr go Z Ho$db, do~ BQ>a\o$g Ama
nman[aH$ {d{Y`m| Ho$ O[aE, {eH$m`Vm| H$m {ZdmaU hr hAm h ~pH$ BZgo ~r_m H$n{Z`m| H$s, {eH$m`V {ZdmaU Um{b`m| H$s {ZJamZr Ama BZHo$
XVmdoOrH$aU H$m H$m` ^r gwJ_ hAm h &
AmBOrE_Eg _| ~hV gr {anmoQ>m] Ama Zm| H$m g_mdoe h {OZgo ""_wbH$maU {dbofU"" H$aZo _| _XX {_bVr h Vm{H$, Amd`H$ H$madmB hoVw,
Umbr Ama Zr{V go OwS>o _wXXm| H$s nhMmZ H$s Om gHo$& CXmhaUmW EH$ {dbofU go kmV hAm {H$ EH$ H$nZr Ho$ nmg ""nm{bgr XVmdoO m Z
hmoZo"" g~Yr ~hV gr {eH$m`Vo Am ahr Wr O~{H$ H$nZr Ho$ nmg {ZYm[aV g_`md{Y Ho$ ^rVa XVmdoO Omar H$aZo H$s Umbr {dX`_mZ Wr & `h
~mV H$me _| AmB {H$ Hw$N> ^mJmo{bH$ jom| _|, ~r_m nm{bg`m| H$s {S>brdar _| Hw$N> g_`mE Am ahr Wr, ~mX _| ~r_m H$VmAm| Zo BZ g_`mAm| H$m
hb ImoO {b`m& AmBOr E_ Eg go, {d{^ ^mJmo{bH$ jom|, ~r_m Ho$ {d{^ KQ>H$mo, {eH$m`V Ho$ {d{^ H$mam| VWm Z Ho$db H$n{Z`m|, ~pH$ CZHo$
{d{^ H$m`mb`m| Ho$ ~rM {dbofU H$aZo _| ghm`Vm {_bVr h& {eH$m`m| Ho$ `j nQ>Z go, Z Ho$db ~r_m H$nZr, ~pH$ {d{Z`m_H$ H$mo ^r _yb H$maU
H$s OmM H$aZo Ama g_mYmZ ImoOZo H$s {> go, {ddaUm| H$s Ama A{YH$ JhamB _| OmZo _| _XX {_bVr h &
JmhH$ {ejm
I.4.1.9 ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU d` ^r, {d{^
I.4.1.7 JmhH$ [ejm Ama JmhH$ gwajm EH$ Xygao Ho$ nyaH$ h& JmhH$
~r_m g~Yr {df`m| Ama gmW hr JmhH$ g~Yr {df`m| na, amQ>r` Va
Ho$ H$B go{_Zma Am`mo{OV H$aVm h, CZ_| ^mJ boVm h, CZHo$ {bE
_XX H$aVm h, {OZHo$ _m`_ go OZVm VH$ BgH$s nhM ~T>Vr h&
""nm{bgr-YmaH$-gwajm-Ama-H$`mU"" {df` na dm{fH$ go{_Zma
ZB {Xr _| 3 OyZ 2011 H$mo Am`mo{OV {H$`m J`m {Og_o
nm{bgrYmaH$m| Ho$ bm^ Ho$ {bE "EH$sH$V {eH$m`V-~YZ-Umbr"
H$m ew^ma^ {H$`m J`m &
{ejm Ho$db `{$`m| H$mo CnmXm| Ama Omo{I_m| H$mo ~ohVa n go

g_PZo _| hr _XX Zht H$aVr ~pH$ `h ~mOma XjVm Ho$ {bE ^r EH$
OaV h, `m|{H$ `h ~r_m godm XmVmAm| H$mo Ama A{YH$ nmaXeu
VWm ""{V`moJ-`dhma-{d{Y`m"" AnZmZo _| ^r `moJXmZ H$aVr h &
Bggo ~ohVa n go {e{jV-ZmJ[aH$m| H$m {Z_mU hmoVm h, Omo AnZo
d` Ho$ {ZU`m| Ho$ _m`_ go, ~mOmam| na {ZJamZr aI gH$Vo h&
m{YH$aU nm{bgr YmaH$m| H$s gwajm go g~{YV {d{^ {df`m| Ogo
nm{bgrYmaH$m| Ho$ A{YH$ma Ama CmaXm{`d, {deH$`V {ZdmaU MZbm|
go g~{YV OmZH$mar ~r_m CnmXm| H$s {deofVmAm| Ho$ jo _|,
nm{bgrYmaH$m| H$s gwajm Ho$ {bE ~ZmE OmZo dmbo {d{Z`_m| Am{X na,
_r{S>`m, g_mMmanm|, ao{S>`mo, Q>o{b{dOZ Am{X Ho$ _m`_ go AnZo
{d{^ "JmhH$ OmJH$Vm" `mg H$aVm Am ahm h &
I.4.1.10 BZHo$ Abmdm dV_mZ VWm g^m{dV nm{bgrYmaH$m| _| ~r_o
g~Yr gm_m` OmZH$mar Ho$ Mma-gma Ho$ {bE ~r_m {d{Z`m_H$

Ama {dH$mg m{YH$aU Zo, _moQ>a-~r_m, dm`-~r_m, `mm-~r_m,
gn{m ~r_m, OrdZ ~r_m, Ed _`W, Am{X {df`m| na nm{bgrYmaH$
{ejm hS>~wH$ ^r {ZH$mbr h& ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU
Zo ~m| Ho$ bm^ Ho$ {bE, 3 IS>m| _| Omar H$s OmZo dmbr H$m{_H$ grarO
H$m nhbm IS> ""aOZ ES> {hO Q>mBQ>> qdW B`moa|g"" Zm_ go Omar
{H$`m h& ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU H$m _mZZm h {H$
~m| _o N>moQ>r C_ go hr {dmr` gmjaVm bmZm ~hV Oar h &
I.4.1.8 ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU, ~r_o na go{_Zma
Am`mo{OV H$aZo _|, Cn^mo$m gWmAm| H$mo mogm{hV H$aVm h Ama

CZH$s _XX ^r H$aVm h, Vm{H$ Z Ho$db JmhH$m| H$mo {e{jV {H$`m Om
gHo$ ~pH$ Eogo go{_Zmam| _| ^mJ boZo dmbo {V{Z{Y`m| go, JmhH$
Am_Zo gm_Zo MMm ^r H$a gHo$ &
38
dm{fH$ [anmoQ>
I.4.2 ~r_mH$VmAm| Ho$ emoYj_ _m{OZm| H$m aIaImd
H$mo A{YXoe {X`m J`m h {H$ do 2007-08 go _moQ>a Q>r nr nyb Xo`Vm
Ho$ {bE 153 {VeV Ho$ Xa go mdYmZ H$a|& m{YH$aU Zo 150
{VeV H$s emoYj_ Anojm H$s Ny>Q> Xr h, Ama A{YXoe {X`m h {H$
g^r ~r_mH$Vm g^r H$ma Ho$ `dgm`m| Ho$ {bE 31 _mM 2012, 31
_mM 2013, 31 _mM 2014 Ho$ ~mX H$_e: 137 {VeV, 145
{VeV VWm 150 {VeV go H$_ H$m "emoYj_ AZwnmV Zhr aI|J'o &
I.4.2.1 ~r_m A{Y{Z`_, 1938 Ho$ n[aN>oX 64 drE Ho$ AZwgma
nòH$ ~r_mH$Vm H$mo EH$ "Ano{jV emoYj_ _m{OZ' aIZm hmoVm h&
òj ~r_mH$Vm, Xo`VmAm| H$s am{e go A{YH$ n[agn{m`m| Ho$ _y`
H$s A{YH$ am{e ~Zm H$a aIoJm, Omo ~r_m {d{Z`m_H$ Ama {dH$mg
m{YH$aU mam {ZYm[aV am{e {Ogo "Ano{jV emoYj_ _m{OZ" H$hm
OmVm h, go H$_ Zhr hmoZo Mm{hE& ~r_m {d{Z`m_H$ Ama {dH$mg
m{YH$aU (~r_H$VmAm| H$s n[agn{m`m|, Xo`VmE VWm emoYj_ _m{OZ)
{d{Z`_, 2000 _| "Ano{jV emoYj_ _m{OZ" H$s JUZm H$s {d{Y H$m
{dVma go dUZ {H$`m J`m h&
I.4.2.5 ~r_mH$VmAm| H$mo `h ^r gy{MV {H$`m J`m h {H$ do m{YH$aU

H$s {d{e> nydmZw_{V Ho$ {~Zm, {H$gr ^r _wI ~YH$ H$m{_H$, d[a>
~YZ, {Z`w$ ~r_mH$H$mo, ~moS> Ho$ nyUH$m{bH$ {ZX}eH$m| AWdm {H$gr
^r _w` H$m`nmbH$ A{YH$mar H$s, ~moZg H$m`{ZnmXZ BgopQ>d
Am{X,Mmho ^wJVmZ {H$gr ^r Zm_ go `m| Z {H$E OmVo hm|, {dV[aV
Zht H$a|Jo &
I.4.2.2 OrdZ ~r_mH$VmAm| Ho$ _m_bo _o, Ano{jV emoYj_ _m{OZ,
dh am{e h Omo 50 H$amoS> nE (nwZ~r_m H$Vm Ho$ _m_bo _| 100

H$amoS> nE) AWdm A{Y{Z`_ Ama CgHo$ AVJV ~ZmE JE {d{Z`_m|
_| {XE JE \$m_ybo Ho$ AmYma na {ZH$mbr JB am{e, XmoZm| _| go Omo ^r
A{YH$ am{e h&
I.4.2.6 m{YH$aU Zo dm`-~r_m-`moOZm H$mo mogm{hV H$aZo H$s
{> go, `h Ny>Q> XmZ H$s h {H$ `{X emoYj_ AZwnmV 1.50 Ho$
{d{ZYm[aV Va go ZrMo Am OmVm h Vmo N>: _hrZo (Xmo {V_m{h`m) VH$
Cgo AZXoIm {H$`m OmEJm ~eV] {H$ emoYj_Vm _| `h {JamdQ>, Ho$db
Ho$/am` gaH$ma go "m r{_`_" Ho$ H$maU AmB hmo&
I.4.2.3 "Ja-OrdZ-~r_mH$VmAm|" Ho$ _m_bo _| Ano{jV emoYj_ _m{OZ

50 H$amoS> nE(nwZ~u_mH$VmAm| Ho$ _m_bo _| 100 H$amoS> nE) AWdm
{ZZmgwma AmJ{UV AmaEgE_-1 VWm AmaEgE_-2 _| go Omo ^r
A{YH$ am{e hmo, Omo ZrMo h:
1.
AmaEgE_-1 {dZb r{_`_m| na AmYm[aV "Ano{jV emoYj_

_m{OZ h {OgH$m {ZYmaU Bg H$ma hmoVm h - gH$b r{_`_m|
_| go A{YH$ am{e H$m 20 {VeV Ama EH$ \$Q>a H$m JwUm
VWm {Zdb r{_`_& AmaEgE_-1 H$s JUZm Ho$ `moOZ go,
H${_H$ AmYma na, JV 12 _mh H$m r{_`_ {b`m OmEJm&
2.
AmaEgE_-2 {Zdb AJV Xmdm| na AmYm[aV "Ano{jV emoYj_

_m{OZ" h Omo {H$ gH$b CnJV Xmdm| _| go Omo ^r CVa am{e
hmoJr, CgHo$ 30 {VeV go EH$ \$Q>a H$m JwUm VWm {Zdb
CnJV Xmdm| go {ZYm[aV H$s OmEJr&
2010-11
I.4.2.7 ~r_m AV: doeZ H$mo ^m{dV H$aZo dmbo _hdnyU H$maH$m| _|
go EH$ h - "emoYj_ _m{OZ" Ho$ AVJV nyOr Amd`H$Vm {dewXY
gmd{Y-CnmX Ho$db grYr OrdZ ~r_m gwajm XoVo h Ama `h {ddmg
{H$`m OmVm h {H$ H$n{Z`m Eogo CnmX ^r {dH${gV H$a gH$Vr h
{OZHo$ mam do bmoJm| H$s ~r_m g~Yr OaVm| H$mo nyam H$aZo Ho$ {bE
OZg`m Ho$ {d{^ KQ>H$m| VH$ nhM gH$Vr h Ama ~r_o H$s nhM Xya
AXa VH$ ~Zm gH$Vr h & Bg CXXo` Ho$ AZwn m{YH$aU Zo OrdZ
~r_mH$VmAm| H$mo Bg ~mV H$s AZw_{V XmZ H$a Xr h {H$ do eof
CnmXm| H$s \$Q>a bmoqS>J _| n[adVZ {H$E {~Zm hr, {dewXY gmd{Y
CnmXm| H$s nyO
r AnojmAm| H$mo gemom{YV H$a gH$Vr h& ~r_m {d{Z`m_H$
Ama {dH$mg m{YH$aU mam 2008-09 _| Omar H$a {XE JE h & `h
Anojm H$s OmVr h {H$ {dew gmd{Y CnmXm| hoVw emmoYj_Vm H$m Va
H$_ H$aZo go `{$JV VWm gm_y{hH$ XmoZm| H$ma Ho$ CnmXm| Ho$ AVJV
OrdZ ~r_mH$VmAmo H$mo H$m\$s amhV {_boJr& Bggo ~r_mH$VmAm| H$mo
C{MV Xam| na n`m b~r Ad{Y`m| Ho$ {bE Ama A{YH$ Ad{Y CnmX
Ama^ H$aZo _| _XX {_boJr &
I.4.2.4 ma{jV {Z{Y`m| H$s n`mVm H$m AmH$bZ H$aZo H$s {> go,
{OZH$s JUZm ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU {d{Z`_m| Ho$

AmYma na H$s OmZr h, m{YH$aU Zo, ~r_m A{Y{Z`_, 1938 Ho$
AVJV "^maVr` _moQ>a VVr` njH$ma ~r_m nyb" (AmBE_Q>rnrAmgnr)
Ho$ "~r_m{H$H$ _y`mH$Z" H$s OmM H$s Wr& lr Ho$.nr. e_m, nam_eXmVm,
~r_m AH$H$ H$s [anmoQ> Ho$ AmYma na VWm gmYmaU "~r_m n[afX mam
Xr JB Vw{V`m| na {dMma H$aZo Ho$ ~mX, m{YH$aU Zo, _moQ>a VVr`
njH$ma nyam ma{jV {Z{Y`m| VWm "EH$mCQ>-ma{jV-{Z{Y`m| na ~r_m
A{Y{Z`_ 1938 Ho$ n[aN>oX 64dr E Ho$ gmW n{R>V ~r_m {d{Z`m_H$
Ama {dH$mg m{YH$aU A{Y{Z`_ Ho$ n[aN>Xo 14 Ho$ AVJV {XZmH$
12 _mM 2011 H$m AmXoe g.AmB AmaS>rE/EZEb/AmoAmaS>r/
E_nrEb/046/03/2011 nm[aV {H$`m. `h AmXoe Or AmB gr
aog_oV g^r gmYmaU ~r_mH$VmAm| na bmJy h Ama Bg_| ~r_mH$VmAm|
OrdZ ~r_mH$Vm
I.4.2.8 _mM AV 2011 H$s pW{V _| g^r OrdZ-~r_mH$Vm 1.5
emoYj_ AZwnmV aIZo H$s, gm{d{YH$ Anojm H$m AZwnmbZ H$a aho
Wo & ^maVr` OrdZ ~r_m {ZJ_ H$m emoYj_Vm AZwnmV 1.54 Wm Omo
_mM 2010 Ho$ ~am~a hr Wm & `{n g_rjmYrZ df _o 22 _| go 14
mBdoQ> OrdZ ~r_mH$VmAm| Ho$ emoYj_Vm AZwnmV _| {JamdQ> AmB {\$a
^r g^r OrdZ ~r_m H$n{Z`m|, A{YXo{eV emoYj_Vm AnojmAm| H$m
nmbZ H$a ahr Wr (Q>oQ>_|Q> g. 19)&
39
2010-11
dm{fH$ [anmoQ>
Ja OrdZ ~r_mH$Vm
I.4.3 nwZ~u_m H$s {ZJamZr (_mZrQ>[aJ)
I.4.2.9 _mM 2011 Ho$ AV H$s pW{V _| 20 Ja OrdZ ~r_mH$Vm

(dm` ~r_mH$VmAm| H$mo {_bmH$a) {ZYm[aV emoj_Vm AZwnmV H$m
nmbZ H$a aho Wo O~{H$ 2 H$n[a`m| Zo emoYj_Vm _m{OZ AZwnmV H$s
`yZV_ Anojm H$m AZwnmbZ Zhr {H$`m (Q>oQ>_|Q> g. 53) &
I.4.3.1 nwZ~r_m Ho$ g~Y _| m{YH$aU H$mo Omo A{YXoe {XE JE h do

~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU A{Y{Z`_, 1999 Ho$ n[aN>Xo
14(1) VWm 14(2) Cn-n[aN>oX (E\$), VWm gmW hr, ~r_m
A{Y{Z`_, 1938 Ho$ n[aN>oX 34 E\$, 101E, 101~r, VWm
101gr Ho$ mdYmZm| _| {Z{hV h& BZHo$ A{V[a$, m{YH$aU Zo OrdZ
VWm Ja-OrdZ ~r_mH$VmAm|, XmoZm| go g~{YV {d{Z`_ ^r ~ZmE h
{OZ_| nwZ~u_mH$VmAm| mam nwZ~r_m Ho$ {bE AmYma^yV {Z`_ {ZYm[aV
{H$E JE h& ~r_m A{Y{Z`_, 1938 Ho$ mdYmZm| Ho$ AVeV, ^maVr`
gmYmaU ~r_m {ZJ_ H$mo, "^maVr` nwZ~u_mH$Vm nXZm{_V {H$`m J`m
{Oggo Bgo hH$ {_bVm h {H$ dh g^r ""grYo-Ja-OrdZ-~r_mH$VmAm|
go 10 {VeV H$m ""~m`H$mar AnU (goeO)"" m H$a|& gr_mE
"nZw~u_m nam_e g{_{V" Ho$ nam_e go {ZYm[aV H$s JB h &
I.4.2.10 {deofrH$V ~r_mH$VmAm| AWmV E AmB gr VWm B grOrgr
Zo 31 _mM 2011 H$mo H$_e: 3.71 VWm 9.05 H$m emoYj_ AZwnmV
{XIm`m O~{H$ 31 _mM 2010 H$mo `h AZwnmV 2.07 VWm 14.17
Wm&
nwZ~r_mH$Vm
I.4.2.11 am>r` nwZ~u_mH$Vm gmYmaU ~r_m {ZJ_ Zo 31 _mM 2011
H$mo 3.35 emoYj_ AZwnmV XO {H$`m (31 _mM 2010 H$mo 3.71)&
Vm{bH$m I.32
gH$b grYo r{_`_ Ho$ {VeV Ho$ n _| ^maVr` H$mamo~ma na aIm J`m {Zdb r{_`_
(OrAmBgr H$mo N>moS> H$a)
({VeV)
dJ
A{
g_wr _mXb
g_wr A`
_moQ>a
BOr{Z`[aJ
CS>S>`Z
A` {d{d{Y
Hw$b
gmdO{ZH$ jo
70.35
82.73
12.93
93.35
58.67
11.95
88.16
82.75
2009-10
mBdoQ> jo
30.81
48.38
9.00
86.04
22.24
18.87
72.08
71.39
Hw$b gmdO{ZH$ jo
56.84
58.39
69.69
75.24
12.18
12.93
89.82
88.18
45.25
60.66
14.6
32.49
79.97
87.85
77.49
79.14
2010-11
mBdoQ> jo
29.47
50.39
9.00
88.26
21.08
14.12
69.44
Hw$b
47.84
65.26
12.18
88.22
46.63
23.04
78.12
71.62
75.40
I.4.3.3 {d{Z`_m| _o `h ^r Anojm H$s JB h {H$ òH$ ~r_mH$Vm

AnZr {dmr` pW{V Ama H$mamo~ma H$s _mm Ho$ {hgm~ go A{YH$m{YH$
g`m _| nm{b{g`m| H$mo AnZo nmg ~ZmE aIoJm& nwZ~u_m H$m`H$_
V`ma H$aZo Ho$ _mJXeu {gXYmV ZrMo {XE JE h &
- Xoe Ho$ ^rVa A{YH$m{YH$ YmaU| H$mo ~ZmE aIZm
- n`m j_Vm H$m {dH$mg
- CnJV nwZ~r_m bmJVm| Ho$ {bE gdm}m_ g^d gwajm {ZpMV
H$aZm VWm
- H$mamo~ma Ho$ ~YZ H$mo gab ~ZmZm
I.4.3.4 gmYmaU ~r_m {ZJ_ Ho$ {deoof gX^ _|, {d{Z`_m| _| ^maVr`
nwZ~u_m H$VmAm| go Anojm H$s JB h {H$ do g^r ~r_mH$VmAm| go gbmh
_e{dam H$aHo$, nwZ~u_m A{Yeof am{e`m| Ho$ {bE Kaoby nyb ~ZmE& `h
_aUr` h {H$ 2001 _| `y`mH$ {gQ>r _| 11 {gV~a Ho$ AmVH$s
h_bo Ho$ ~mX O~ AVam>r` nwZ~u_m ~mOmam| Zo H$da dmng bo {b`m
Wm V~ Ja-OrdZ ~r_mH$VmAm| Zo Amng _| {_bH$a AmVH$dmXr Omo{I_m|
Ho$ {bE EH$ nyb ~Zm`m Wm & 2007 _|, Ja-OrdZ ~r_mH$VmAm| Zo
"g^r dm{Up`H$ dmhZ VVr` njH$ma ~r_m" Ho$ {bE EH$ Ama nyb
~Zm`m Wm&
I.4.3.2 òH$ ~r_mH$Vm H$mo EH$ `mnmH$ Ama gj_ nwZ~u_m H$m`H$_
H$s OaV hmoVr h, Vm{H$ dh AnZr {dmr` _O~yVr H$s gr_mAm| _|

n[aMmbZ H$a gHo$& `h ~r_mH$Vm H$s emoYj_Vm H$mo ~ZmE aIZo VWm
O$aV nS>Zo na Xmdm| Ho$ IS>mo Ho$ AZwnmbZ H$mo gw{ZpMV H$aZo H$s
{> go Amd`H$ h & AV: m{YH$aU Zo `h {ZYm[aV {H$`m h {H$
òH$ ~r_mH$Vm AnZo nwZ~u_m H$m`H$ _ Ho$ {bE AnZo ~moS> H$m AZw_moXZ
m H$aoJm & {d{Z`_m| _| `h ^r mdYmZ {H$`m J`m h {H$ òH$
~r_mH$Vm AJbo {dmr` df H$m nwZ~u_m H$m H$m`H$_ ew hmoZo Ho$ H$_
go H$_ 45 {XZ nhbo, m{YH$aU Ho$ nmg \$mBb H$aoJm & ~r_mH$VmAm|
go AmJo `h ^r Anojm H$s JB h {H$ do nwZ~u_m `dWmAm| go g~{YV
AnZr "Q>rQ>r pbg" AWdm H$da-ZmoQ>g', {dmr` df Ho$ ma^ go
30 {XZ Ho$ ^rVa m{YH$aU Ho$ nmg \$mBb H$a| & ò Cnm` ~VbmVo h
{H$ {H$g ~r_m H$nZr Ho$ nmg, n`m Ama Hw$eb ~r_m `dWmE hmoZo
Ho$ _hd na {H$VZm ~b {X`m Om ahm h & `hm `h _aUr` h {H$
{H$gr ^r H$nZr H$s emoYj_ pW{V H$m AmH$bZ " ZoQ> Am\$ B`moa|g"
Ho$ AmYma na {H$`m OmVm h&
40
dm{fH$ [anmoQ>
2010-11
Vm{bH$m I.33
^maV _| gH$b grYo r{_`_ Ho$ {VeV Ho$ n _| ^maV Ho$ ~mha Ama ^maV Ho$ AXa {H$`m J`m nwZ~u_m
({VeV)
dJ
A{
g_wr _mb
g_wXr A`
_moQ>a
CS>S>`Z
BOr{Z`[aJ
A` {d{dY
Hw$b
^maV _|
{H$`m J`m
32.43
18.16
43.26
28.78
42.17
43.33
15.26
24.63
2009-10
^maV Ho$ ~mha
{H$`m J`m
21.19
15.09
52.63
0.11
53.17
23.06
6.00
7.78
2010-11
^maV _|
^maV Ho$ ~mha
{H$`m J`m
{H$`m J`m
38.68
22.77
19.59
15.95
33.52
65.13
30.92
0.10
33.12
62.62
44.04
23.41
15.57
7.79
25.68
8.92
Vm{bH$m I.34
^maVr` H$mamo~ma na ^maV Ho$ ~mha {X`m J`m nwZ~u_m
(H$amoS> nE)
dJ
A{
g_wr _mb
g_wr` A`
_moQ>a
CS>S>`Z
BOr{Z`[aJ
A` {d{d{Y
Hw$b
2009-10
{X`m J`m
r{_`_
782.90
181.22
427.41
15.49
207.89
364.26
850.30
2829.47
{Zdb {XE
JE bm^
201.75
-35.09
268.92
7.74
84.84
130.27
40.10
698.53
nwZ~r_m gbmhH$ma g[_{V
2010-11
{X`m J`m
r{_`_
976.82
218.17
579.35
15.97
263.37
403.87
1362.11
3819.66
{Zdb {XE
JE bm^
210.72
25.39
-429.59
18.30
-101.05
121.71
420.96
266.46
goeO) dV_mZ Ho$ 20 n{VeV go KQ>mH$a 2007-09 _| 15 {VeV

VWm ~mX Ho$ dfm] _| AWmV 2008-09, 2009-10, 2010-11
VWm 2011-12 _| 10 {VeV H$a {XE OmE & m{YH$aU Zo {g\$m[ae
drH$ma H$a br, VWm ^maV gaH$ma Ho$ nam_e go JoOoQ> A{YgyMZm
Omar H$a Xr, {Og_| gemo{YV "~m`VmH$mar-AnU' {d{Z{X> {H$E
JE& df 2010-11 _| m{YH$aU Zo "~m`VmH$mar AnU" Ho$ AVJV,
{d{^ dJm] Ho$ {bE ~r{_V am{e _| AnUm| H$s gr_mAm| H$s ewAmV
H$s &
I.4.3.5 ~r_m A{Y{Z`_, 1938 Ho$ n[aN>oX 101E Ho$ AZwgma
òH$ ~r_mH$Vm òH$ gmYmaU ~r_m nm{bgr H$s ~r{_V am{e Ho$
CVZo {VeV VH$ H$m nwZ~u_m ^maVr` nwZ~u_mH$VmAm| Ho$ gmW
H$admEJm, {OVZm {H$ nwZ~u_m gbmhH$ma g{_{V Ho$ nam_e Ho$ ~mX,
Ho$ gaH$ma Ho$ nydmZw_moXZ go, m{YH$aU mam {ZYm[aV {H$`m J`m h
Ama {Ogo "~m`VmH$mar AnU (goeO)" AWdm "gm{d{YH$ AnU
(goeO)" ^r H$hm OmVm h&
I.4.3.8 2007-08 _|, ^maVr` nwZ~u_mH$Vm Ho$ n _o, gmYmaU
I.4.3.6 Bg `moOZ Ho$ {bE m{YH$aU A{YgyMZm mam (H$) ^maVr`
~r_m {ZJ_ Zo m{YH$aU H$mo A`doXZ {X`m {H$ ewH$ Xam| H$mo hQ>m
XoZo Ho$ n[aUm_ dn, ~XbVr ~mOma pW{V Ho$ n[ao` _|, gm{d{YH$
AnUm| (goeO) na bmJy, H$_reZ, Ama "bm^-H$_reZ" H$s eVm]
H$s g_rjm H$s OmZr Amd`H$ hmo JB h& Xygar Amoa ~r_mH$VmAm| Zo
`h A`doXZ {X`m {H$ H$_reZ H$s eVm] _| H$moB ~XbmZ Zht {H$`m
OmZm Mm{hE Omo{H$ g^dV: Bg eH$m na AmYm[aV Wm {H$ A{Y{Z`_
Ho$ n[aN>oY 101E(4) Ho$ AVJ gm{d{YH$ AnUm| Ho$ {bE AbJ
H$_reZ eV] {ZYm[aV H$aZo go, Cg Va na, AmJm_r df Ho$ {bE
nwZ~u_m g~Y ~mVMrVm| Ho$ g~Y _|, CZH$s pW{V "nydmJh-JV hmo
OmEJr& m{YH$aU Zo XmoZm| njm| na {dMma H$aZo Ho$ ~mX `h {ZU`
nwZ~u_mH$Vm go nwZ~u{_V H$s OmZo dmbr òH$ nm{bgr H$s ~r{_V

amm{e, Ho$ {VeV {d{Z[X> H$a gH$Vm h VWm ~r_o Ho$ {d{^ dJm] Ho$
{bE {^-{^ {VeV {d{Z{X> H$a gH$Vm h ~eV] {H$ Bg H$ma
{d{Z{X> {VeV, C$ nm{bgr H$s ~r{_V am{e Ho$ 30 {VeV go
A{YH$ Zhr hmoZm Mm{hE, VWm (I) "dh' g_mZwnmV {d{Z{X> H$a
gH$Vm h {Og_| {H$ C$ {VeV ^maVr` nwZ~u_mH$VmAm| _o ~mQ>m
OmZm h&
I.4.3.7 nwZ~u_m gbmhH$ma g{_{V Zo, \$adar 2007 _| Am`mo{OV
~R>H$ _|, m{YH$aU H$mo {g\$m[ae H$s {H$ "~m`H$mar AnU (AmpbJoQ>ar
41
dm{fH$ [anmoQ>
I.4.4. ~r_m nyb
{X`m {H$ df 2008-09 Ho$ {bE gm{d{YH$ AnUm| H$s eVm], òH$
~r_mH$Vm VWm ^maVr` nyZ~r_mH$Vm Ho$ ~rM Amng _| V` H$s OmEJr&
`{X XmoZm| nj ~mVMrV Ho$ ~mX {H$gr gh_{V na Zht nhMVo h Vmo
_m_bm m{YH$aU H$mo gy{MV {H$`m OmE & `h pW{V ~mX Ho$ dfm] _| ^r
~Zr ahr Ama 2010-11 _| ^r Omar ahr &
AmVH$dmX nyb
I.4.4.1 df 2010-11 Ho$ XmamZ nyb H$mo {X`m J`m Hw$b r{_`_
389 H$amoS> nE Wm VWm ^wJVmZ {H$E JE Xmdo 76.18 H$amoS> nE
Ho$ Wo. JV df 2009-10 _| nyb r{_`_ 306 H$amoS> nE Wm,
^wJVmZ {H$E JE Xmdo 214 H$amoS> nò Wo& 2010-11 Ho$ {bE
^wJVmZ {H$E Xmdm| H$s 76.18 H$amoS> nE H$s am{e _|, 26 Zd~a
2008 H$mo _w~B _| hE AmVH$s h_bo go Cn hm{Z`m| H$m ^wJVmZ ^r
em{_b h. Bg KQ>Zm go nyb H$mo hB Hw$b AZw_m{ZV hm{Z 500 H$amoS>
nE go KQ>H$a 400 H$amoS> nE ah JB h& hmoQ>b Amo~oam` VWm
hmoQ>b Q>rS>|Q> H$s hm{Z`m| H$m nyUV: {ZnQ>mZ {H$`m Om MwH$m h& Ho$db
VmO hmoQ> H$mo hB hm{Z H$mo A^r A{V_ n {X`m OmZm h& naVw H$m\$s
_mm _| AmZ-EH$mCQ>-^wJVmZ' nhbo hr Omar {H$E Om MwHo$ h& df Ho$
XmamZ nyb H$mo H$moB ~S>r hm{Z Zht hB h&
gmYmaU ~r_m {ZJ_ mam m ~m`VmH$mar AnU (Am{bJoQ>ar

goeO)
I.4.3.9 df 2011-12 Ho$ {bE "~m`VmH$mar AnU" 10 {VeV
hr aIo JE Ogm {H$ df 2010-11 Ho$ {bE bmJy Wo & {d{^ H$ma
Ho$ H$mamo~ma Ho$ {bE ~r{_V am{e Ho$ g~Y _o "AnU gr_m" df 201011 Ho$ {bE {ZYm[aV gr_m {OVZr hr ~Zr ahr & Bgr H$ma df
2011-12 Ho$ {bE H$_reZ VWm bm^-H$_reZ, òH$ ~r_mH$Vm
VWm ^maVr` nwZ~r_mH$Vm mam Amngr gh_{V go hr V` {H$E OmZo
h&
~r_mH$Vm
2010-11
Vm{bH$m I.35
^maVr` AmVH$dmXr nyb _o gX` H$n{Z`m| H$m {hgm
2010-11
2011-12
{V Omo{I_
{hgm
{V Omo{I_
{hgm
j_mVm
({VeV _|)
j_Vm
({VeV _|)
(H$amoS> nE)
(H$amoS> nE)
OrAmBgr
ZoeZb
`y B{S>`m
Amo[aEQ>b
`wZmBQ>oS> B{S>`m
~OmO Am{b`mO
Mmobm_S>b_ E_Eg
`yMa OZambr OZab
gaH$mar ~r_m {Z{Y,JwOamV
EMS>rE\$gr EaJmo
BH$mo Q>mo{H$`mo
{abm`g OZab
am`b gwXa_
Q>mQ>m EAmBOr OZab
`w{Zdgb gm|nmo
lram_ OZab
^maVr Egm OZab
ahoOm `y ~r B OZab
Eg~rAmB OZab
EbES>Q>r OZab
147.08
88.89
147.08
87.00
96.45
35.63
12.00
5.00
7.50
3.38
60.00
22.50
13.50
6.00
12.08
0.66
3.00
1.50
0.75
-
19.61
11.85
19.61
11.60
12.86
4.75
1.60
0.67
1.00
0.45
8.00
3.00
1.80
0.80
1.61
0.09
0.40
0.20
0.10
-
145.50
87.00
145.50
87.00
96.45
35.63
12.00
5.00
7.50
3.38
60.00
22.50
13.50
6.00
12.08
0.68
1.50
5.78
0.75
1.50
0.75
19.40
11.60
19.40
11.60
12.86
4.75
1.60
0.67
1.00
0.45
8.00
3.00
1.80
0.80
1.61
0.09
0.20
0.77
0.10
0.20
0.10
Hw$b
750.00
100.00
750.00
100.00
42
dm{fH$ [anmoQ>
2010-11
Vm{bH$m I.36
AmVH$dmXr Omo{I_ ~r_o Ho$ {bE r{_`_ H$s Xa|
(1 Anb 2010 go)
{VWb Hw$b ~r{_V am{e (E_Sr+EbAmonr)
Omo{I_ dJ
750 H$amoS> nE VH$
Ammo{JH$ Omo{I_
Ja Ammo{JH$ Omo{I_
Amdmgr` Omo{I_
0.30
0.20
0.10
750 H$amoS> go A{YH$ naVw

2,000 H$amoS> nE go H$_
Cn`w$ (1) Ho$ AZwgma W_ 750 H$amoS>

nE O_m {ZZ AZwgma eof ~r{_V am{e:
Ammo{JH$ Omo{I_
Ja Ammo{JH$ Omo{I_
0.25
0.15
Cn`w$ (2) Ho$ AZwgma W_ 2,000 H$amoS>

nE O_m {ZZ AZwgma eof ~r[_V am{e:
Ammo{JH$ Omo{I_
Ja Ammo{JH$ Omo{I_
0.20
0.12
2,000 H$amoS> nE go A{YH$
Xa (n{V _rbr)
* E_-S>r-A{YH$V_ j{V; EbAmonr - bm^ H$s hm{Z

^maVr` _moQ>a VVr` njH$ma ~r_m nyb (AmBE_Q>rnrAmBnr)
7,111 H$amoS> nE Ho$ Wo {OgHo$ H$maU 3,165 H$amoS> nE H$s

"n[aMmbZ hm{Z" hB& BgHo$ _wH$m~bo, _mM 2009 go \$adar 2010
H$s Ad{Y H$m r{_`_, 3,160 H$amoS> nE Wm Ama CnJV Xmdo
3,791 H$amoS > nE Ho$ Wo {Oggo 674 H$amoS > nE H$s '{Zdb n[aMmbZ
hm{Z" hB &
I.4.4.2 1 OZdar 2007 go Ja OrdZ ~r_m ~mOma go ewH$ hQ>m

{bE Jò Wo& VWm{n, VVr` nj _moQ>a ~r_o H$s A{YHo$emVH$ H${V
H$mo XoIVo hE m{YH$aU Zo 4 {Xg~a 2006 Ho$ n[an g. 034/
AmBAmaS>rE/S>rQ>[a\$/{Xg~a/06 {Ogo ~mX _| 23 OZdar 2007
Ho$ n[an mam gemo{YV {H$`m J`m, mam 1 OZdar 2007 go Bg
KQ>H$ _| r{_`_ Xam| H$mo {d{Z`{_V H$aZo H$m {ZU` {b`m& ~mX _|
ImgH$a dm{Up`H$ dmhZm| Ho$ {bE _moQ>a VVr` nj ~r_m CnbY Z
hmoZo g~Yr {eH$m`Vm| Ho$ {ZdmaU Ho$ {bE m{YH$aU Zo, ~r_m A{Y{Z`_
1938 Ho$ n[aN>oX 110 Or Ho$ AVJV J{R>V g{_{V Ho$ nam_e go
~r_m A{Y{Z`_ 1938 Ho$ n[aN>oX 34 Ho$ AVJV, 4 {Xg~a 2006
Ho$ AnZo n[an g. 035/_moQ>a Q>rnr/{Xg~a-06 mam ^maVr`
_moQ>a VVr` njH$ma ~r_m nyb (AmBE_Q>rnrAmBnr) H$m JR>Z {H$`m &
I.4.4.5 ma{jV {Z{Y`m| H$s n`mVm H$m AmH$bZ H$aZo Ho$ {bE,
{OZH$s JUZm ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU {d{Z`_m| Ama

{deo f H$a BgHo $ n[an g . 11/AmB A maS>rE/EgrQ>rEb/
AmB~rEZAma/2005-06 Ho$ AmYma na H$s OmZr hmoVr h, m{YH$aU
Zo AmB E_ Q>r nr AmB nr Ho$ "~r_mH$H$-_y`mH$Zm|" H$s OmM H$s Ama
[anmoQ> Zo B{JV {H$`m {H$ df 2007-08, 2008-09 VWm 200910 Ho$ {bE "A{V_-hm{Z-AZwnmV" H$_e: 172.30 {VeV,
181.81 {VeV VWm 194.15 {VeV Wo& Bg AZw_mZ H$s VwbZm
_| nyb Zo BZ g^r dfm] _| 126 {VeV ma{jV {Z{Y`m ~ZmE aIr
Wr, {Oho {H$ An`m _mZm J`m& VXZwgma, m{YH$aU Zo ~r_m
{d{Z`m_H$ {dH$mg m{YH$aU A{Y{Z`_, 1999 Ho$ n[aN>Xo 64 dr
E Ho$ gmW n{R>V, n[aN>oX 14 Ho$ AVJV, AnZo 12 _mM 2011 Ho$
AmXoe g. AmBAmaS>rE/EZEb/AmoAmaS>r/E_nrEb/046/03/
2011 mam Hw$N> {ZX}e Omar {H$E, {OZ _| Ja-OrdZ ~r_mH$VmAm| go
Anojm H$s JB h, Omo {ZZ h &
I.4.4.3 1 Ab 2007 go nyb, n[aMmbZ _| Am J`m Ama `h Ho$db

dm{Up`H$ dmhZm| Ho$ {bE Wm& _moQ>a H$mamo~ma g{hV Ja-OrdZ ~r_m
H$mamo~ma H$aZo Ho$ {bE nOrH$V g^r ~r_mH$VmAm| H$mo m{YH$aU mam
A{Ygy{MV Xam| na H$da XmZ H$aZo Ho$ {bE nyqbJ `dWm _| dV:
hr ^mJrXma hmoZm Ano{jV h & Omo{I_ AH$H$ ~r_mH$Vm VWm g^r
A` nOrH$V Ja-OrdZ ~r_mH$VmAm| VWm nwZ~u_mH$VmAm| Ho$ ~rM
EH$ ~hVar` nwZ~u_m `dWm Ho$ O[aE, Bg V Ho$ AVJV, H$mamo~ma
H$s nyqbJ H$s OmVr h &
- 31 _mM 2011 H$mo, g^r H$ma Ho$ H$mamo~mam| Ho$ {bE H$_ go H$_
130 {VeV H$m emoYjZ AUwnmV ~Zm H$a aI|, {OZ dfm] _|
nyb, Omo{I_ AH$Z H$a ahm Wm, CZ g^r dfm] Ho$ {bE H$_ go
H$_ 153 {VeV "A{V_ hm{Z" AZwnmV' na AmB E_ Q>r nr
AmB Or j{V`m _y`m{H$V H$s OmEJr& `h AZwnmV 2013-14
VH$ MaU~XY n _| 150 {VeV VH$ ~T>m`m OmZm h &
I.4.4.4 nyb Zo, 2010-11 _| AnZo n[aMmbZ Ho$ 4 df nyU H$a

{bE h & AmB E_ Q>r nr AmB nr Zo _mM 2010 go \$adar 2011 H$s
Ad{Y Ho$ XmamZ Omar 97.31 bmI nm{b{g`m| go 3613 H$amoS> nE
Ho$ Hw$b r{_`_ H$s nyqbJ H$s & Bg Ad{Y Ho$ {bE nyb Ho$ CnJV Xmdo
43
2010-11
dm{fH$ [anmoQ>
- VneMmV (31 _mM 2014 go) ha g_` emoYjZ AZwnmV
150 {VeV hr ~ZmE aIZm hmoJm&
{Xem{ZX}em| Ho$ AVJV m{YH$aU mam nm[aV {H$E JE CnmX Ho$

AZwn h; VWm
- `{X {H$gr df `m df Ho$ {hgo _| ""emoYjZ AZwnmV"' 150

{VeV go ZrMo {JaVm h Vmo m{YH$aU H$s {d{e> nydmZw_{V Ho$
{~Zm eoàYmaH$m| H$mo bm^me Kmo{fV Zht {H$`m OmEJm&
- {H$gr ^r pW{V _| ~r_m {Z`_mdbr 1939 Ho$ {Z`_ 17B Ho$

AVJV ~YZ Ho$ IMm] Ho$ {bE {Z`V gr_mAm| H$m CKZ Z
{H$`m OmE &
- ~r_m A{Y{Z`_, 1938 Ho$ n[aN>oX 64drE (2E) Ho$ AZwgma

{ZX}eH$-_S>b go VWm AZw_mo{XV {dmr` `moOZm, 2 _hrZo Ho$
^rVa m{YH$aU H$mo {ÔdmZr hmoJr {Og_|, _mM 2014 VH$ H$s
C$ 3 df H$s Ad{Y hoVw H${_`m Xya H$aZo H$s EH$ "H$madmB
`moOZm" B{JV H$s JB hmo& BgHo$ A{V[a$ 2011-12 go òH$
{dmr` df _| 15 \$adar go nhbo {ZXoeH$ _S>b mam dm{fH$
`moOZm H$s N>_mhr g_rjm [anmoQ>, 15 AJV 2011 go ma^
H$aHo$, 30 dfm] _| go òH$ _|, 15 AJV go nhbo-nhbo
{ÔdmZr hmoJr &
I.4.4.6 JV dfm] _| Bg KQ>H$ _| hB ^mar n[aMmbZ hm{Z`m| Ho$ H$maU

g^r Ja-OrdZ ~r_m H$n{Z`m| Zo, gmYmaU ~r_m n[afX Ho$ _m`_
go, m{YH$aU go AZwamoY {H$`m {H$ "_moQ>a VVr` njH$ma ~r_m H$da"
Ho$ {bE r{_`_ Xa| ~T>mB OmE& g^r Omo{I_YmaH$m| go H$B Xma H$s
MMm Ho$ ~mX m{YH$aU Zo, 15 Ab 2011 H$s AnZr A{YgyMZm Ho$
mam, _moQ>a VVr` njH$ma ~r_m H$da H$s r{_`_ Xam| _| gemoYZ H$a,
Cho& A{Ygy{MV {H$`m& gemo{YV Xa|, 25 Ab 2011 go bmJy
hB& hmbm{H$ H$n{Z`m| Zo g^r dJm] Ho$ dmhZm| H$s r{_`_ Xam| _|, 85
{VeV dX{Y H$aZo H$m AZwamoY {H$`m Wm, _Ja {d{^ Q>oH$ hmoS>am|
H$s qMVmAm|/AZwamoYm|/gwPmdm| na {dMma H$aZo Ho$ ~mX m{YH$aU Zo,
Xwn{h`m dmhZm| VWm mBdoQ> H$mam| Ho$ g~Y _| Ho$db 10 {VeV VWm
dm{Up`H$ dmhZm| Ho$ g~Y _| 68.5 {VeV H$s dX{Y H$aZo H$m
{ZU` {b`m& `h {ZU` ~r_m gyMZm `yamo (AmBAmB~r) Ho$ nmg
"An-bmoS>" {H$E JE g^r ~r_m H$n{Z`m| Ho$ "boZXoZ Var` AmH$S>mo"
na {dMma H$aZo Ho$ ~mX {ZU` {b`m J`m& A{YgyMZm _| r{_`_ Xam|
Ho$ dm{fH$ gemoYZ H$m \$m_ybm ^r {X`m J`m h Omo {H$ _wm\$s{V
gyMH$mH$, AmgV Xmdm AmH$ma VWm _moQ>a Q>r nr H$mamo~ma H$s g{dqgJ
_| AmZo dmbr \$s|$gr Ama `` go OwS>m hAm h &
- do, `Wmnojm, ~r_m AH$H$ {d^mJ H$mo _O~yV ~ZmZo Ho$ {bE
nyUH$m{bH$ `mo`Vm m Ama AZw^dr, "gn{m-Ama-AmnmV
~r_mH$H$m| H$s {Z`w{$ H$a|Jo & `{X ^maVr` ~r_mH$Z gWm
(AmBEAmB) go Amd`H$ `mo`Vm Ama AZw^d dmbo ~r_mH$H$ Z
{_bo Vmo ~r_mH$VmAm| H$mo H$OwEQ>r EMy[a`b gmogm`Q>r, `yEgE
VWm BQ>rQ>`yQ> Am\$ EMyEarO, `y.Ho$. VWm AmQ>o{b`m go
`moVVm m ~r_mH$H$m| H$s godmAm| H$m Cn`moJ H$aZo H$s ^r AZw_{V
h &
- {H$ do m{YH$aU H$s {d{e> nydmZw_{V Ho$ {~Zm, {H$gr ^r _wI
~YZ H$m{_H$,d[a> ~YZ, {Z`w$ ~r_mH$H$m|, ~moS> Ho$ nyUH $m{bH$
{ZX}eH$m| AWdm {H$gr ^r _w` H$m`nmbH$ A{YH$mar H$mo ~moZg,
H$m` {ZnmXZ Bgo{Q>~ Am{X Mmho ò ^wJVmZ {H$gr ^r Zm_ go
`m| Z {XE OmVo hmo, {dV[aV Zht H$a|Jo &
I.4.4.7 df 2010-11 _|, nyb AmH$S>m AmYma na, gX` H$n{Z`m|

mam AnbmoS> {H$E JE AmH$S>m| Ho$ AZwgma JV df Ho$ _wH$m~bo nm{b{g`m|
H$s g`m _| 11 {VeV VWm Omo{I_ A{H$V r{_`_ _| 14.5
{VeV H$s dX{Y hB h&
I.4.4.8 \$adar 2011 Ho$ AV _| b{~V Xmdm| H$s g`m 3,38,680
- `h gw{ZpMV H$a|Jo {H$ {S>H$mCQ>g g{hV CnmXm| H$m _y`Z,

Omo{I_ AH$Z {gXYmVm| Ho$ AZwgma h VWm "\$mBb ES> `yO"
df
(_mM go
\$adar)
2007-08
2008-09
2009-10
2010-11
Wr VWm ~H$m`m Xmdm| H$s am{e 5,729 H$amoS> nE Wr &
Vm{bH$m I.37
_moQ>a ~r_m VVr` njH$ma Xmdo
df Ho$ XmamZ
df Ho$ XmamZ
gy{MV Xmdo
{ZnQ>mE JE Xmdo
g`m
H$amoS> nE
g`m
H$amoS> nE
43936
88415
120549
17001
561.56
1382.52
1923.54
287.53
56479
63485
30711
1946
44
713.71
682.36
253.46
10.85
df Ho$ XmamZ
~H$m`m Xmdo
g`m
H$amoS> nE
117134
119661
89390
12495
1788.50
2066.27
1664.92
208.84
dm{fH$ [anmoQ>
2010-11
~mOma {hgm
I.4.5 ~r_mH$VmAm| mam {Zdoem| H$s _m{ZQ>[aJ
I.4.4.9 df 2009-10 VWm 2010-11 H$m, nyb gX`m| H$m
I.4.5.1 g^r ~r_mH$VmAm| H$mo, {Zdoe {d{Z`_m| Ho$ AVJV {ZYm[aV

{Zdoem| Ho$ nQ>Z H$m AZwnmbZ H$aZm hmoVm h& OrdZ Ama Ja OrdZ
~r_m H$n{Z`m| mam Ym[aV ""~YZ AVJV n[agn{m`m|"" (E `y E_)
Ho$ {Zdoem| H$m `mam ZrMo {X`m J`m h:
~mOma {hgm (Or AmB gr Ho$ {hgo Ho$ g_m`moOZ go nyd) ZrMo {X`m
J`m h&
Vm{bH$m I.38
nyb gX`m| H$m ~mOma-{hgm
({VeV _|)
nyb gX`
~mOma {hgm
~mOma {hgm
2009-10
2010-11
am`b gwXa_
2.67
[abm`g OZab
6.04
B\$H$mo Q>mo{H$`mo
4.22
Q>mQ>m EAmBOr OZab
2.53
~OmO Am{b`mO OZab
7.25
9.81
Mmobm E_Eg OZab
2.37
EMS>rE\$gr BaJmo
2.69
`yMa OZabr
1.10
`yZrdgb gm|nmo
0.51
lram_ OZab
1.18
^maVr Egm OZab
0.08
ahoOm `y~rB
Eg~rAmB OZab
EbES>Q>r OZab
`wZmBQ>oS> B{S>`m
14.88
Amo[aEQ>b B`ya|g
13.53
ZoeZb B`ya|g
13.41
`y B{S>`m B`ya|g
17.74
Hw$b
100.00
~r_m jo _| Hw$b {Zdoe

I.4.5.2 31 _mM 2001 H$mo, ~r_m jo H$s Hw$b gM`r {Zdoe am{e`m
15,12,638 H$amoS> nE Wr & [anmoQ> Ho$ AYrZ df Ho$ XmamZ "E `y

E_" _| 18.28 {VeV H$s dX{Y hB h& CmoJ mam Ym[aV Hw$b
{Zdoem| _| g~go ~S>m {hgm, OrdZ ~r_mH$VmAm| H$m hr ~Zm hAm h
Omo{H$ 95 {VeV h & Bgr H$ma Hw$b {Zdoem| _|, gaH$mar jo H$s
H$n{Z`m| H$m {hgm g~go ~S>m (80 {VeV) ~Zm hAm h& {\$a ^r
"`y{ZQ> g`w$ ~r_m CnmXm|" (`y{bn) H$s {~H$s H$s n> ^y{_ _|, mBdoQ>
jo Ho$ ~r_mH$VmAm| mam Ym[aV `yEE_ H$m {hgm ^r hmb Ho$ dfm] _o
H$m\$s VoOr go ~T>m h &
2.71
3.98
4.18
2.79
6.79
10.2
2.31
3.35
1.45
0.68
1.81
1.29
0.01
0.08
0.02
14.96
12.48
14.15
16.75
100.00
OrdZ ~r_mH$VmAm| Ho$ {Zdoe

I.4.5.3 OrdZ ~r_mH$VmAm| Ho$ nmg {Zdoe Ho$ {bE CnbY {Z{Y`m| Ho$
{d{^ lmoVm|| H$mo Xmo dJm] _| [d^m{OV {H$`m Om gH$Vm h. (1) nman[aH$
CnmXm| go m {Z{Y`m VWm (2) `y{bn CnmXm| go m {Z{Y`m&
31 _mM 2011 Ho$ OrdZ ~r_mH$VmAm| mam {Zdo{eV Hw$b {Z{Y`m
14,30,118 H$amoS> nE Wr {OZ_| go 3,99,116 H$amoS> nE
(Hw$b {Z{Y`m| H$m 27.91 {VeV) `y{bn {Z{Y`m| H$m AeXmZ Wm&
eof 10,31,002 H$amoS> nE (72.09 {VeV) nman[aH$ CnmXm|
H$m AeXmZ Wm& Hw$b {Zdoem| _| `y{bn {Z{Y`m| H$m AeXmZ hmb Ho$
dfm] _| H$m\$s ~T>m h& g_rjmYrZ df Ho$ XmamZ AeXmZ, hmb Ho$ dfm]
_| H$m\$s ~T>m h & g_rjmYrZ df Ho$ XmamZ, nman[aH$ {Z{Y`m| _o|,
{ddoem| H$s Hw$b dX{Y _| 72 {VeV AWmV 1,56,084 H$amoS> nE
H$m `moJXmZ {X`m O~{H$ `y{bn CnmXm| Zo 61,576 H$amoS> nE H$m
`moJXmZ {X`m&
Vm{bH$m I.39
~r_m jo Ho$ Hw$b {Zdoe
31 _mM 2011 H$s pW[V
( H$amoS> nE)
~r_mH$Vm
gaH$mar
mBdoQ>
Hw$b>
OrdZ
JaOrdZ
Hw$b
2010
2011
2010
2011
2010
2011
992331
(24.10)
220127
(88.51)
1212458
(32.31)
1148589
(15.75)
281528
(27.89)
1430118
(17.95)
51687
(8.17)
14685
(32.16)
66372
(12.70)
61235
(18.47)
21285
(44.94)
82520
(24.33)
1044018
(23.21)
234811
(83.61)
1278830
(31.13)
1209824
(15.88)
302813
(28.96)
1512638
(18.28)
{Q>nUr: 1. 2010-11 Ho$ AmH$S>o ~r{d.{d m{YH$aU Ho$ nmg \$mBb {H$E JE AWm`r [aQ>O na AmYm[aV h.
2. H$mo>H$m| _| {XE JE AmH$S>o, JV df H$s VwbZm _| {VeV _| dX{Y XemVo h&
45
dm{fH$ [anmoQ>
I.4.5.4 31 _mM 2010 H$s pW{V go VwbZm H$aZo na kmV hmoVm h
2010-11
{VeV) VWm `y{bn {Z{Y Zo 3,99,116 H$amoS> nE 27.91

{VeV) H$m `moJXmZ {X`m& df 2010-11 Ho$ XmamZ Hw$b {Zdoe _|
n|eZ/EZwBQ>r {Z{Y`m| H$m {hgm 11.85 {VeV go ~T>H$a 13.28
{VeV hmo J`m & VXZwnr AmYma na OrdZ {Z{Y`m| Ho$ {hgo _|
{JamdQ> AmB & 2009-10 _| Hw$b {Zdoem| _|, OrdZ {Z{Y Zo
7,31,291 H$amoS> nE (60.31 n{VeV) n|eZ VWm OZab EZwBQ>r
Ama Jwn {Z{Y Zo 1,43,627 H$amoS> nE (11.85 {VeV) VWm
`y{bn {Z{Y Zo 3,37,540 H$amoS > nò (27.84 {VeV) H$m `moJXmZ
{X`m Wm&
{H$ OrdZ ~r_mH$VmAm| mam {H$E JE {Zdoe| H$m nQ>Z 31 _mM 2011
_| ^r dgm hr ahm& Ho$r` gaH$mar _| {V^y{V`m Ama AZw_mo{XV
{Zdoe, OrdZ ~r_mH$VmAm| mam {H$E JE {Zdoem| Ho$ _wI gmYZ ~Zo
aho&
I.4.5.5 {Z{Y-AmYma na {d^mOZ go `h H$Q> hAm {H$ Hw$b {Zdoem|
_| go OrdZ {Z{Y Zo 8,41,075 H$amoS> nE (58.81 {VeV)
noeZ VWm gmYmaU EZBw Q>r ES> Jnw {Z{Y Zo 1,89,927 H$amoS > (13.28
Vm{bH$m I.40
OrdZ ~r_mH$VmAm| H$m Hw$b {Zdoe: {Z`m_mZwgma
(31 _mM H$s pW{V)
(H$amoS> nE)
{Zdoem| Ho$ nQ>Z
2010
am{e
2011
am{e
{VeV
{VeV
namn[aH$ CnmX
1 H|$r` gaH$ma H$s {V^y{V`m
2 am` gaH$mam| Ama A`m| H$s AZw_mo{XV {V^y{V`m|
3 Amdmg Ama B\$mQ>Mma
4 AZw_mo{XV {Zdoe
5 A` {Zdoe
A. Hw$b (1+2+3+4+5)
360447
137236
85675
257084
34477
874918
41.20
15.69
9.79
29.38
3.94
100.00
420952
173733
89181
304977
42159
1031002
40.83
16.85
8.65
29.58
4.09
100.00
`y{bn {Z{Y`m
6 AZw_mo{XV {Zdoe
7 A` {Zdoe
~. OmoS> (6+7)
311669
25871
337540
92.34
7.66
100.00
371899
27217
399116
93.18
6.82
100.00
Hw$b OmoS> (A+~)
1212458
1430118
{Q>nUr : 1. 2001-11 Ho$ AmH$S>o, ~r.{d.{d. m{YH$maU Ho$ nmg \$mBb H$s JB AWm`r {dda{U`m| na AmYm[aV h&
Vm{bH$m I.41
OrdZ ~r_mH$Vm Ho$ {Zdoe : {Z{Y AZwgma
(31 _mM H$s pW{V)
~r_mH$Vm
OrdZ {Z{Y
2010
2011
^m.Or.~r.{ZJ_ 698153
mBdoQ>
33137
OmoS>
731291
(60.31)
798291
42784
841075
(58.81)
n|mZ ES> OZab

EZwBQ>r Ama Jwn {Z{Y
2010
2011
133588
10038
143627
(11.85)
173282
16646
189927
(13.28)
`y{bn
{Z{Y
2010
2011
160589
176951
337540
(27.84)
177016
222099
399116
(27.91)
{Q>nUr: 1. 2010-11 Ho$ AmH$S>o ~r.{d.{d. m{YH$aU Ho$ nmg \$mBb H$s JB AWm`r {dd[aU`m| na AmYm[aV h &
2. H$mo>H$m| _| {XE JE AmH$S>o g~{YV {Z{Y`m| H$m Hw$b {Z{Y`m| go {VeV h &
46
(H$amoS> nE)
g~ {Z{Y`m| H$m
OmoS>
2010
2011
992331 1148589
220127 281528
1212458 1430118
(100.00) (100.00)
dm{fH$ [anmoQ>
2010-11
Vm{bH$m I.42
{Zdoem| _| dX{Y : {Z{YAZwgma (31 _mM H$mo pW{V)
(H$amoS> nE)
{Z{Y
OrdZ
noeZ VWm OZab EZwBQ>r VWm Jwn {Z{Y
nanamJV (A)
`y{ZQ> g`w$ {Z{Y (B)
Hw$b> (A+B)
Hw$b
2010
d{ {VeV _|
Hw$b
2011
d{ {VeV _|
731291
143627
874918
337540
1212458
16.14
26.04
17.66
95.38
32.31
841075
189927
1031002
399116
1430118
15.01
32.24
17.84
18.24
17.95
{Q>nUr: 2010-11 Ho$ AmH$S>o ~r.{d.{d. m{YH$aU Ho$ nmg \$mBb H$s JB AWm`r {dda{U`m| na AmYm[aV h.
_wH$m~bo 24.33 {VeV H$s dX{ Y) ahr& df 2009-10 _| 66,372

H$amoS> nE Ho$ {Zdoe {H$E JE Wo&
Ja-OrdZ ~r_mH$VmAm| Ho$ {Zdoe

I.4.5.6 Ja OrdZ ~r_mH$VmAm| Zo ~r_m CmoJ mam Ym[aV Hw$b {Zdoem|
_|, Ho$db 5 {VeV H$m hr `moJXmZ {X`m& 31 _mM 2011 H$mo Bg
goQ>a Ho$ Hw$b {Zdoe 82,520 H$amoS> nE Wm& df 2010-11 Ho$
XmamZ, {Zdoem| _| {Zdb dX{Y 16,148 H$amoS> nE (JV df Ho$
I.4.5.7 {Zdoe H$m nQ>Z dgm hr ahm Ogm JV df Wm& 31 _mM

2011 H$s pW{V _| Ja OrdZ ~r_mH$VmAm| Zo AZw_mo{XV {Zdoem| Ama
Ho$ gaH$ma H$s {V^y{V`m| _| H$_e: 31,769 H$amoS> (38.50
{VeV) VWm 19,865 H$amoS > nE (24.07 {VeV) {Zdoe {H$E
Wo &
Vm{bH$m I.43
JaOrdZ ~r_mH$VmAm| H$m Hw$b {Zdoe: {Z`_mZwgma
(31 _mM H$s pW{V)
(H$amoS> nE)
{Zdoem| H$m nQ>Z
Ho$ gaH$ma H$s {V^y{V`m
am` gaH$mam| H$s Ama A` AZw_mo{XV {V^y{V`m
Amdmg VWm hmD$qgJ Ama E\$ E\$ B Ho$ {bE
am` gaH$mam| H$mo F$U
B\$mQ>Ma {Zdoe
AZw_mo{XV {Zdoe
A` {Zdoe
Hw$b
2010
2011
Hw$b
{VeV
Hw$b
{Ve
16038
6971
4790
24.16
10.50
7.22
19865
8191
6973
24.07
9.93
8.45
10373
24256
3944
66372
15.63
36.55
5.94
100.00
12216
31769
3506
82520
14.80
38.50
4.25
100.00
{Q>nUr: 1. 2010-11 Ho$ AmH$S>o ~r_m {d{Z`m_H$ {dH$mg m{YH$aU Ho$ nmg \$mBb H$s JB AWm`r {dda{U`m| na AmYm[aV h.
2. Bg_| go EMEZEM ~r Egmo{gEeZ, BgrOrgr,EAmBgr Am\$ B{S>`m Ho$ {Zdoe em{_b Zht {H$`m JE h.
3. E\$E\$B : AmJ ~wPmZo dmbm `
I.4.6 dm` ~r_m
{b. _Og _g `ynm hW B`moa|g H$.{b. Zo dm` ~r_m H$mamo~ma

_| `moJXmZ {X`m& Q>S>EbmoZ dm` ~r_mH$VmAm| Zo 2010-11 _|
Hw$b 1,536 H$amoS > nE Ho$ r{_`_ H$m Omo{I_ AH$Z {H$`m (200910 _| 1,072 H$amoS> nE) &
I.4.6.1 dm` ~r_m ^maV Ho$ ~r_m CmoJ Ho$ g~go VoOr go ~T>Zo
dmbo goQ>am| _| go EH$ ~Zm hAm h & 2010-11 _| BgZo 11,480
H$amoS> nE Ho$ r{_`_ H$m Omo{I_ AH$Z {H$`m h {Oggo {H$ 200910 (8305 H$amoS> nE) _| {b{IV r{_`_ H$s VwbZm _| 38.22
{VeV H$s dX{Y XO hB &
I.4.6.3 ~T>Vr hB {M{H$gm bmJVm|, ImgVma na eham| _|, VWm

bmoH${` gaH$mar `moOZmAm| ({OZ_| Amamo` lr, VWm am>r` dm`
~r_m `moOZm Ogo ~r_m V ^r em{_b h) Ho$ H$maU, dm` ~r_m Ho$
bm^m| Ho$ ~mao _| ~T>Vr hB OmJH$Vm go, dm` ~r_m| Ho$ ~mao _| Am_
I.4.6.2 "~hH$mamo~mar Ja OrdZ ~r_mH$VmAm| Ho$ Abmdm Anmobmo `y{ZI
hW B`moa|g H$nZr {b. Q>ma hW ES> EbmBS> B`moa|g H$nZr

47
dm{fH$ [anmoQ>
2010-11
Vm{bH$m I.44
dm` ~r_m r{_`_ 2006-2011
~r_mH$Vm
2006-07
2007-08
2008-09
2009-10
(H$amoS> nE)
2010-11
JaOrdZ mBdoQ>
Ja OrdZ gaH$mar
Q>S> EbmoZ hoW ~r_m H$Vm
Hw$b
1224.00
1973.60
11.16
3208.70
1832.50
3136.50
155.94
5125.00
2266.30
3824.00
535.09
6625.50
2349.80
4883.30
1072.10
8305.20
3031.48
6912.55
1535.70
11479.70
OZVm H$s {eH$m`V| ^r ~T>r h Ama gyMZm Ho$ A{YH$ma (AmaQ>rAmB)

go OmZH$mar _JmZo Ho$ H$aU ^r ~T>o h& Bgo XoIVo hE {d{Z`m_H$ Zo,
dm` ~r_o Ho$ nm{bgrYmaH$m| H$s gwajm H$mo gT> H$aZo Ama goQ>a
Ho$ g_w{MV dX{Y Ho$ {bE H$B gwYmam_H$ Cnm` {H$E h&
pW{V`m| _| m Ho${S>Q> H$mo, AmJo bo OmZo H$s AZw_{V XmZ H$a|Jo,

~eV] {H$ {nN>br nm{bgr H$mo {~Zm ~oH$ Omar aIm J`m hmo.
I.4.6.4 m{YH$aU Zo H$B ZE _wXXo ^r hmW _| {bE h Ama ZE `mg
- nyd {d_oZ ~r_mar (nrBS>r) H$mo N>moS> H$a, ~rVr Ad{Y H$m Ho${S>H$
ZE ~r_mH$Vm Ho$ nmg AmJo bo Om`m OmEJm&
I.4.6.7 gwdmVm (nmoQ>}{~{bQ>r) H$s _wI {deofVmE Bg H$ma h:
ew {H$E h, {OZ_| "dm` ~r_m \$moa_' H$s WmnZm VWm Xmdm

\$m_}Q>m| Ama A` XVmdoOm| H$m _mZH$sH$aU ^r em{_b h& "dm`
~r_m \$moa_, dm` ~r_m n[apW{V H$s (BH$mo {gQ>_) Ho$ g^r
Q>oH$ hmoS>g Ho$ {bE EH$ gmPm _M CnbY H$admVm h&
- Z`m drH$ma H$aZo dmbm ~r_mH$Vm H$_ go H$_ {nN>br ~r_m

nm{bgr H$s ~r{_V am{e VH$ H$m H$da XmZ H$aoJm &
- nm{bgr H$s nmo{Q>J Ho$ AZwamoY H$mo nyam H$aZo H$m H$m` ~r_m
{d{Z`m_H$ Ama {dH$mg m{YH$aU (nm{bgrYmaH$m| Ho$ {hVm| H$s
gwajm) {d{Z`_m| VWm {Xem {ZX}em| _| ~VmB JB g_` gr_m Ho$
^rVa nyam {H$`m OmEJm &
gaH$mam| am m`mo{OV ~r_m `moOZmE

I.4.6.5 gaH$mar `moOZmAm| Ho$ {bE ~mobr bJmZo dmbo ~r_mH$VmAm| Ho$
{bE Hw$N> {Z`_ {ZYm[aV H$aZo H$s {> go ~r_mH$VmAm| H$mo AZwXo{eV
{H$`m OmVm h {H$ do "\$mBb ES> `yO" {H$`m Ho$ gmW-gmW Hw$N>
{d{e> eVm] H$m ^r AZwnmbZ H$a|& Bg g~Y _| Omar {Xem{ZX}em| _|
{ZZ{b{IV ^r em{_b h :
- Ho${S>Q> (Vrjm Ad{Y Ho$ gX^ _|) {nN>br nm{bgr Ho$ AVJV
~r{_V am{e (~moZg g{hV) VH$ gr{_V ahoJm &
I.4.6.8 m{YH$aU, dV_mZ _|, CmoJ Ho$ gmW MMm H$a ahm h Ama
- ~r_mH$VmAm| H$mo {Z{dXm {H$`m _| ^mJ boZo H$s AZw_{V hmoJr,

~eV]
dm` ~r_m gwdmVm Ho$ H$m`md`Z H$s {dVV {H$`m Omar H$aZo
dmbm h Vm{H$ nm{bgr Va na dm` ~r_o Ho$ B{Vhmg g~Yr AmH$S>o
BH$Q>R>o H$aZo H$s Umbr ew H$s Om gHo$ Ama nmo{Q>J - nm{bgrYmaH$
Ho$ [aH$mS>m| Ho$ AVaU H$s {ZJamZr H$s Om gHo$&
-Vm{dV ~r_m `moOZm, gaH$ma mam m`mo{OV hmo, VWm

-~r_mH$Vm H$mo n[aN>oX 64 dr ~r Ho$ mdYmZ H$m AZwnmbZ
H$aZm hmoJm&
`mnm[aH$ {ZH$m`m| Ho$ O[aE `mg

I.4.6.9 m{YH$aU dm` ~r_m Ogo {d{e> jom| na, \o$S>aoeZ
Am\$ B{S>`m M~g
Am\$ H$m_g ES> BS>Q>r ({\$$r) VWm H$m\o$S>ae
o Z
Am\$ B{S>`Z BS>Q>r (grAmBAmB) mam ~ZmE JE "H$m`g_yhmo" (d{H$J
Jwg) H$s J{V{d{Y`m| H$mo bJmVma g_W XoVm Am ahm h& XmoZm| CmoJ
gWmE dm{fH$ dmd ~r_m g_obZ H$admVr h Ama AnZr {anmoQ>
Omar H$aVr h {OZ_| H$m`Xbm| H$s {g\$m[ae| em{_b hmoVr h& dV_mZ
_| ~h-Omo{I_ YmaH$ g_yh, _w`V: BZ _wXXm| na H$m_ H$a aho h &
gm_y{hH$ CnmX _y`Z (mBqgJ) Ho$ {bE EH$ Q>S>S> \o$_ dH$;
{d{Z`m_H$ gWmAm| Ho$ EH$OwQ> `mgm| Ho$ _m`_ go dm` ~r_o Ho$
O[aE dm` gwajm H$s JwUdmm H$mo ~T>mZm; AnVmbm| Ama dm`
gwajm XmVmAm| Ho$ {bE ZoeZb EHo${S>Q>oeZ ~moS> (EZ~rEEM); ~r_m
H$n{Z`m Ama XmVm, {~qbJ \$m_}Q>g H$m _mZH$sH$aU, Q>rnrE H$m
_mZH$sH$aU/~r_mH$Vm VWm Q>rnrE/AnVmb H$mQ>Q>g, d[a>
ZmJ[aH$ B`m{X h &
- `{X {H$gr {Z{X> nmoQ>\$mo{b`m| Ho$ {bE "Xmdm AZw^d'" ({Zdb

Xmdm AZwnmV) bJmVma 4 N>_m{h`m| Ho$ {bE 90 {VeV go A{YH$
nm`m OmVm h Vmo ~r_mH$Vm H$mo, H$_ go H$_ Xmo gmb VH$, gaH$ma
mam m`mo{OV `moOZm Ho$ {bE {Z{dXm {H$`m _| ^mJ boZo H$s
AZw_{V Zhr Xr OmEJr &
dm` g~Yr nm{b{g`m| H$s gwdmMm (nmoQ>}{~{bQ>r)
I.4.6.6 m{YH$aU Zo dm` ~r_m bmZ H$s gwdmVm go OwS>o {d{^
_wXXm| H$s H$m\$s JhZ OmM H$s Ama dm` ~r_m nm{b{g`m| H$s
gwdmVm H$mo bmJy H$aZo Ho$ {bE, 2010-11 _| EH$ n[an Omar
{H$`m {H$ O~ H$moB nm{bgr YmaH$, AnZr nm{bgr, EH$ ~r_mH$Vm go
Xygao ~r_mH$Vm _| n[ad{VV H$aVm h `m EH$ bmZ go Xygar bmZ _|
OmVm h Vmo "Vrjm-Ad{Y" Ho$ gX^ _| dm` ~r_m nm{b{g`m
Omar H$aZo dmbo g^r Ja-OrdZ ~r_mH$Vm nm{bgrYmaH$m| H$mo, nhbr
48
dm{fH$ [anmoQ>
2010-11
VVr` nj emgH$ (Q>rnrE)

Vm{bH$m I.45
2010-11 Ho$ XmamZ ZdrZrH$aU {H$E JE Q>rnrE bmBg|g
I.4.6.10 2010-11 Ho$ XmamZ m{YH$aU Zo, nyWu _o{S>Q>oH$ Q>rnrE
gmo`yeO m.{b. H$mo VVr` nj emgH$ Ho$ $n _| n[aMmbZ H$aZo

H$m bmBg|g XmZ {H$`m BgHo$ A{V[a$ m{YH$aU mam 2010-11
_|, {ZZ{b{IV Xmo bmBg|gm| H$m ZdrZrH$aU {H$`m J`m
H$_ g`m Q>rnrE H$m Zm_

1.
2.
I.4.6.11 g_rjmYrZ df Ho$ XmamZ dm` ~r_m KQ> Zo, H$m\$s _O~yV
dX{Y {XImB Ama dm` ~r_m {S>brdar lIbm Ho$ gh^m{J`m| Ho$
$n _|, Q>rnrE Zo ^r Bgr H$ma H$s _O~yV dX{Y X{eV H$s& df Ho$
XmamZ Q>r nr E Zo nm{bgrYmaH$m| Ho$ CnMma Ho$ {bE 'nm-AnVmbm|"
Ho$ ZoQ>dH$ H$m AmJo Ama A{YH$ {dVma {H$`m &
H$_. Q>rnrE H$m Zm_

g.
_gO nmH$ _|{S>bo_ Q>rnrE mBdoQ> {b.

_gO amWerS> hoWHo$à (Q>rnrE) g{dgoO {b.
I.4.6.12 2010-11 _| Q>rnrE mam B\$mQ>Ma _| H$s JB Ama
dX{Y H$m {ddaU, ZrMo Vm{bH$m _| {X`m J`m h &
Vm{bH$m I.46
VVr`-nj emgH$ (Q>rnrE) B\$mQ>Ma (2010-11)
ZoQ>dH$ _o OmoS>o
ZQ>dH$ _|
JE AnVmbm|
AnVmbm|
H$s g`m
H$s Hw$b g`m
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
nmH$ _o{S>bo_
{dnwb _o{S>H$b H$moanmoaoeZ
Ab{H$V hW Ho$à
AmBHo$à hW _oZoO_|Q>
S>S>rHo$Q>oS> hW Ho$à g{dgoO
_oS>rHo$à g{dgoO
E_S>r B{S>`m hbWHo$à g{dgoO
hoarQ>oO hW
Or{Z`g B{S>`m
amWerS> hWHo$à gqdgoO
B _o{S>Q>oH$ g{dgoO
`wZmBQ>oS> hW Ho$à nm[aI hW _oZoO_|Q>
go\$do g{dgoO
_oS>god hoW Ho$à
JwS> hW bmZ
hW B{S>`m g{dgoO
_oS>r A{gQ> B{S>`m
AZ_mob _oS>rHo$à
ajm
\${_br hW bmZ
Q>rQ>rHo$ hWHo$à
JS> hW Ho$à g{dgoO
nam_mCQ> hW g{dgoO
A`wVm _oS>rZoQ> g{dgoO
BQ> doQ> A{gQ>
\$moH$g hW Ho$à
lr JmoHw$b_ hW g{dgoO
nyWu _oS>rQ>oH$
`y{Zdgb _oS>r-ES>-g{dgO
o
Hw$b
nm.Z. m Zhr &
182
0
423
137
852
234
212
126
286
229
758
114
353
247
236
733
449
69
233
131
260
40
155
1315
38
0
17
109
m.Z.
49
1686
3985
3818
3166
3816
3651
4973
2876
2956
2560
4231
3392
3070
3623
3965
3637
4827
1026
3657
3904
5597
880
3074
1965
3776
996
2953
109
m.Z.
ZB Imbr JB
emImAm| H$s
g`m
2
1
1
2
2
0
4
1
0
0
28
0
3
44
2
0
0
2
1
2
0
0
4
3
2
0
0
0
m.Z.
104
mo\o$ZO g{hV
OmoS>r JB _mZd
e{$ (_Z nmda)
20
65
12
29
86
30
302
25
0
90
119
46
22
537
31
109
170
10
72
219
237
6
71
22
30
0
0
15
m.Z.
2375
dm{fH$ [anmoQ>
I.4.6.13 Xoe _| dm` ~r_m godmE XmZ H$aZo H$s pW{V _| Ama
2010-11
VWm gmW hr nm{bgr`m| H$s g{dqgJ H$aZo dmbo Q>r.nr.E. _| n[adVZ

Ho$ H$maU nm{bgrYmaH$m| Ho$ [aH$mS> H$mo AVZ H$aZo go g~{YV
{Xem{ZX}e ^r Omar {H$E &
gwYma bmZo Ho$ {bE m{YH$aU Zo Bg CmoJ go OwS>r {d{^ gWmAm|

Ama Q>oH$hmoS>g Ho$ gmW gnH$ Omar aIm& df Ho$ XmamZ VVr` nj
emgH$m| (Q>rnrE) VWm ~r_mH$VmAm| Ho$ ~rM ogodm g{dXm (g{dg
H$mQ>oQ>) Ho$ \$m_}Q> VWm AnVmbm| mam XmZ {H$E OmZo dmbo "{~qbJ
Ama {S>MmO gmame" Ho$ \$m_}Q> na JhZ MMm hAm Ama ghr {Z{XoQ>
$n XmZ {H$`m J`m& {d{^ Omo{I_YmaH$m| (Q>oH$ hmoS>g) H$s
g{H$` gh^m{JVm go BZH$m m`mo{JH$ narjU ^r {H$`m J`m & BZ
_mZH$ XVmdoOm| H$mo AnZmZo go mogoqgJ gwJ_ hmoJr Ama {d{^ njm|
Ho$ ~rM g~Ym| _| gwYma AmEJm & m{YH$aU Zo AnVmbm| Ho$ ZoQ>dH$
I.4.6.14 nm { bgrYmaH$m| , ~r_mXmVmAm| VWm Omo { I_ YmaH$m|
(Q>oH$hmoS>g) go, VVr` nj emgH$m| (Q>rnrE) Ho$ g~Y _| m hmoZo

dmbr [eH$m`Vm| na {dMma Ho$ {bE m{YH$aU Zo EH$ AbJ Umbr ~Zm
aIr h & df 2010-11 Ho$ XmamZ m{YH$aU H$mo 335 {eH$m`V| m
hB {OZ_| go 332 H$m {ZnQ>mZ H$a {X`m J`m Ama 31 _mM 2011
H$mo 3 {eH$m`Vo b{~V/~H$m`m Wr&
Vm{bH$ I.47
VVr` nj emgH$* - Xmdm| g~Yr AmH$S>o
df
df Ho$ XmamZ
m Xmdo
Xmdo {ZnQ>mE JE
EH$ _mh EH$ go VrZ _mh
3-6 _mh
Ho$ ^rVa
_mh Ho$ ^rVa
Ho$ ^rVa
(H$amoS> nò)
~H$m`m Xmdo
6 _mh go
A{YH$ g_` _o
2009-10
3365940
2348147
(69.76)
597408
(17.75)
121485
(3.61)
29362
(0.87)
299381
(8.89)
2010-11
3641585
2745661
(74.97)
517069
(14.19)
135808
(3.79)
39859
(1.11)
313013
(8.59)
{Q>nUr: H$mo>m| _o {XE JE AmH$S>o {ZnQ>mE JE Xmdm| H$m, Hw$b m Xmdm| go {VeV _| AZwnmV XemVo h &
I.4.7 Jm_rU Ama gm_m{OH$ jom| _| H$mamo~ma
OrdZ ~r_mH$VmAm| H$s ~m`VmE:
I.4.7.1 Jm_rU Ama gm_m{OH$ jom| Ho$ {V ~r_mH$VmAm| H$s ~m`VmAm|
Jm_rU jo H$s ~m`VmE
Ho$ g~Y _| m{YH$aU Zo {d{Z`_ ~ZmE h, CZ_| ~r_mH$VmAm| mam

dm{fH$ AmYma na nyar H$s OmZo dmbr ~mY`VmAm| H$mo ^r {d{Z{X>
{H$`m J`m h& {d{Z`_m| _| H$hm J`m h {H$ ~r_mH$Vm, {Og df _|
ChmoZo n[aMmbZ ew {H$E h, CgHo$ AZwgma BZ KQ>H$m| _| H$mamo~ma
"Omo{I_ A{H$V" H$ao & BZ ~m`VmAm| H$mo nyam H$aZo Ho$ {bE {d{Z`_m|
_| AmJo ~Vm`m J`m h {H$ `{X {H$gr ~r_m H$nZr Zo {dmr` df H$s
Xygar N>_mhr _| ^r n[aMmbZ ma^ {H$E h Ama dh g~{YV {dmr`
df _|, 31 _mM H$mo, 6 go ^r H$_ _hrZm| go n[aMmbZaV h, Vmo Cg
na (i) C$ Ad{Y Ho$ {bE H$moB ^r Jm_rU AWdm gm_m{OH$ jo
"~m`VmE bmJy Zhr hm|Jr, VWm (ii) {d{Z`_m| _| B{JV dm{fH$ ~m`VmE
AmJm_r {dmr` df go ew _mZr OmEJr {Ogo {H$ AZwnmbZ Ho$ `moOZ
go, W_ n[aMmbZ df _mZm OmEJm& `{X {H$gr ~r_m H$nZr Zo AnZo
n[aMmbZ, {dmr` df H$s W_ N>_mhr _| ew {H$E h Vmo, W_ df Ho$
{bE bmJy ~m`VmE, BZ {d{Z`_mo _| {d{Z{X> ~m`VmAm| H$m 50
{VeV hmoJr &
I.4.7.2 df 2010-11 Ho$ XmamZ ^maVr Egm H$mo N>moS> H$a 22
mBdoQ> jo OrdZ ~r_m H$n{Z`m| _| go, 21 Zo, AnZr Jm_rU jo

~m`VmAm| H$mo nya {H$`m& df 2010-11 _| Omo{I_ A[H$V Hw$b
nm{b{g`m| Ho$ {VeV Ho$ $n _|, Jm_rU jo _| CZHo$ mam Omo{I_
A{H$V nm{b{g`m| H$s g`m, CZ na bmJy ~m`VmAm| Ho$ AZwgma
Wr &
I.4.7.3 ^maVr Egm E B{S>`m Zo 16.00 n{VeV H$s ~m`Vm H$s
VwbZm _| Jm_rU jo _|, 15.98 {VeV nm{b{g`m Xr, {Oggo {dmr`

df 2010-11 _| dh Jm_rU jo H$s AnZr ~m`VmAm| H$s AZwnmbZ
H$Vm Zhr ahr &
I.4.7.4 gaH$mar jo H$s EH$_m ~r_mH$Vm H$nZr ^maVr` OrdZ
~r_m {ZJ_ Zo Jm_rU jo H$s AnZr ~m`VmAm| H$mo nyam {H$`m, Ama
2010-11 Ho$ {bE {ZYm[aV 25 {VeV H$s VwbZm _|, Jm_rU jo
_| Ama A{YH$ {VeV _|, nm{b{g`m Omo{I_ A{H$V H$s &
50
dm{fH$ [anmoQ>
2010-11
mam `h {d{ZX}eZ m{YH$aU mam {H$E JE Bg dmXo na AmYm[aV Wm

{H$ dh C$ {V{W VH$ AmB E\$ Ama Eg Ho$ gmW EH$nVm (H$dO]g)
H$a boJm, VWm{n m{YH$aU _mZH$ ~moS> (AmBEEg~r) mam Omar
{d{^ _mZH$m|, ImgH$a ~r_m g{dXmAm| Ama {dmr` n[agn{m`m| Ho$
d`yEeZ g~Yr _mZH$m| (AmB E\$ Ama Eg-9) H$mo AmB E Eg ~r
mam A{V_ n XmZ {H$`m OmEJm Ama do 2012-13 H$s ewAmV
go nhbo hr bmJy H$a {XE OmEJo &
gm_m{OH$ jo H$s ~m`VmE

I.4.7.5 df 2010-11 Ho$ XmamZ g^r 22 mBdoQ> OrdZ ~r_m
H$n{Z`m| Zo AnZr gm_m{OH$ jo H$s ~m`VmAm| H$mo nyam {H$`m &

gm_m{OH$ jo _| CZHo$ mam nXmZ H$s JB OrdZ ~r_m nm{b{g`m,
CZHo$ {ZYm[aV {VeV go A{YH$ Wr &
I.4.7.6 ^maVr` OrdZ ~r_m {ZJ_ Zo gm_m[OH$ jo H$s AnZr
~m`VmAm| H$mo nyam {H$`m& df 2010-11 _| CZH$s ~m`Vm 20

bmI OrdZ,nm{b{g`m Wr, {OgH$s VwbZm _| CgZo A{YH$ g`m _|
OrdZ ~r_m nm{b{g`m Omar H$s:
I.4.8.2 AmB E\$ AmaEg-4 EH$ AV[a_ _mZH$ h Omo _w`V: ~r_m
g{dXmAm| Ho$ H$Q> Ama dJuH$aU na Ho$pXV h& `h EH$ ~r_m g{dXm
H$s n[a^mfm H$s ewAmV H$aVm h Omo {H$ Eogr g{dXm na AmYm[aV h
{Og_| _hdnyU ~r_m Omo{I_ {Z{hV h& Bg_| ~r_m g{dXmAm| Ama
{dVV H$Q>Zm| H$s dV_mZ boImH$aU {d{Y`m| _| Ho$db gr{_V n[adVZ
H$aZo H$s hr Amd`H$Vm h & AmBE\$AmaEg-4 go H$mamo~ma Ho$ ~w{Z`mXr
Vdm| _| H$moB n[adVZ Zht hmoVm `m|{H$ Bg_| boZ-XoZ Ama dmV{dH$ZH$X-dmh (ar`b H$e bm|) _o H$moB ~Xbmd Zht AmVm& VWm{n
AmB E\$ AmaEg-4 go H$mamo~ma H$s [anmo{Q>J _| ~w{Z`mXr ~Xbmd
Oa AmEJm, {Ogo {H$ ~r_m Ho$ n _o dJuH$V Zht {H$`m OmVm & Eogo
H$mamo~ma _| noeZ H$mamo~ma ^r em{_b hmo gH$Vm h& _mb` Zo
AmBE\$AmaEg-4 Ho$ {Z{hVmW H$mo A``Z H$aZo Ho$ {bE EH$ g{_{V
H$m JhZ {H$`m Wm & g{_{V _o AnZm [anmoQ> OyZ 2009 _| VwV H$a
Xr Wr &
Ja OrdZ ~r_mH$VmAm| H$s ~m`Vm :

Jm_rU jo g~Yr ~m`VmE
I.4.7.7 df Ho$ XmamZ g^r 18 mBdoQ> ~r_m H$n{Z`m| Zo (dm`
~r_mH$VmAm| H$mo {_bmH$a) Jm_rU jo g~Yr AnZo ~m`VmAm| H$m
AZwnmbZ {H$`m& 2010-11 _| Omo{I_ A{H$V Hw$b r{_`_m| Ho$
{VeV Ho$ n _| CZHo$ mam C$ goQ>a _| Omo{I_ A{H$V gH$b
grYm r{_`_, {ZYm[aV {VeV go A{YH$ Wm &
I.4.7.8 gaH$mar jo Ho$ ~r_mH$VmAm| Zo ^r 2010-11 _| AnZr
Jm_rU jo g~Yr ~m`VmAm| H$m AZwnmbZ {H$`m & gaH$mar jo H$s

~r_mH$VmAm| Ho$ g~Y _| CZH$s ~m`VmE 2010-11 _|, CZHo$ mam
Omo{I_ A{H$V ~r_m H$m 7 n{VeV Wr &
I.4.8.3 AmB E Eg ~r Zo AVV: ~r_m g{dXmAm| (H$mQ>Q>g) na
"CX^mgZ mn" (EgnmoOa S>mQ>) Omar H$a {X`m Ama Am_ OZVm
VWm Q>oH$hmoS>g go CZHo$ {dMma _mJo& m[YH$aU Zo, ~r_m g{dXmAm|
Ho$ CX^mgZ mn Ho$ mdYmZm| Ho$ A``Z Ho$ {bE EH$ Xb H$m JR>Z
{H$`m, {Ogo 'AmBE\$AmaEg _| g_dm` na H$m`Xb' H$hm OmVm h &
H$m`Xb Zo CX^mgZ mn H$s {dVV OmM H$s Ama AnZr [anmoQ>
VwV H$s & m{YH$aU Zo H$m`Xb H$s [anmoQ> Ho$ AmYma na, ~r_m
g{dXm Ho$ 'CX^mgZ mn" na AnZr {Q>n{Z`m AmBEEg~r H$mo
{Ôdm Xr h & Bg ~r_m ^maVr` gZXr boImH$ma gVmZ (AmB gr E
AmB) Zo "B{S>`m E Eg 104" H$mo A{Ygy{MV H$a {X`m h Omo {H$ AmB
E\$ Ama Eg ~r_m g{dXmAm| H$m AJrH$aU h, VWm{n BgHo$ WmnZ
H$s VmarI A^r A{Ygy{MV H$s OmZr h &
gm_m{OH$ jo g~{YV ~m`VmE

I.4.7.9 df 2010-11 Ho$ XmamZ g^r 18 mBdoQ> ~r_m H$n{Z`m|
Zo, gm_m{OH$ jo g~Yr AnZr ~m`VmAm| H$mo nyam {H$`m& CZHo$ mam
gm_m{OH$ jom| _| {H$E JE OrdZ ~r_m H$s g`m CZHo$ {bE {ZYm[aV
{VeV go A{YH$ Wr&
I.4.7.10 gaH$mar jo Ho$ 4 ~r_mH$VmAm| Zo 2010-11 Ho$ {bE
AnZr gm_m{OH$ jo g~Yr ~m`VmAm| H$m AZwnmbZ {H$`m& Ohm VH$

gaH$mar jo Ho$ ~r_mH$VmAm| H$m g~Y h, gm_m{OH$ jo _|, g~{YV
~r_mH$Vm mam {H$E JE OrdZ ~r_m| H$s g`m Ho$ gX^ _|, 200910 _| Omo g`m CZ na bmJy Wr dhr AWdm 5.50 bmI, Omo ^r
A{YH$ hmo, gaH$mar jo Ho$ ~r_mH$VmAm| na bmJy Wr &
I.4.8.4 m{YH$aU H$s `h am` h {H$ Bg H$ma Ho$ {d{^ _wXXm| Ho$
{ZH$Q> Ama XyaJm_r ^mdm| H$mo R>rH$ go g_Po ~Ja, ~r_m {d{Z`m_H$
Ama {dH$mg m{YH$aU mam nhbo {H$E JE dmXo Ho$ AZwgma
AmBE\$AmaEg _mZH$m| _o _mBJoQ> H$aZm OX~mOr hmoJr& AmB E Eg
~r Ho$ {bE ^r g^d Zhr hmo nm`m Vm {H$ dh ~r_m g{dXmAm| Ho$
CX^mgZ mn" H$mo A{V_ n XmZ H$aZo H$m H$m` OyZ 2011 go
nyd H$a nmVm & AmB E Eg ~r ~r_mg{dXmAm| H$m EH$ gr{_V gemo{YV
mn ^r bmZo Om ahm h, Cgo ^r AVV: A{V n XoZo Ho$ ~mX AmE E
Eg ~r CgHo$ H$m`md`Z Ho$ {bE 18 _mh H$s Ad{Y XmZ H$aVm h&
BgH$m _Vb~ `h h [H$ ~r_m g{dXmAm| go g~{Y _mZH$, {gV~a
2013 go nhbo H$m`m{dV Zht {H$E Om gH|$Jo &
I.4.8 {dmr` [anmo{Q>J VWm ~r_m AH$Z _mZXS>
{dmr` {anmo{Q>J
I.4.8.1 H$nZr _m_bo Ho$ _mb` Zo ^maVr` boImH$ma _mZH$m| VWm
AVam>r` {dmr` {anmo{Q>J _mZH$m| (AmB E\$ Ama Eg) _| Vmb_ob
{~R>mZo Ho$ {bE V`ma H$s JB n aoIm _| {d{Z{X> {H$`m h {H$ _mZH$m|
Ho$ AZwnmbZ _|, g^r ~r_m H$n{Z`m AnZo ma{^H$ VwbZ-n, 1
Ab 2012 H$s pW{V go V`ma H$a|Jr& H$nZr _m_bo Ho$ _mb`
51
dm{fH$ [anmoQ>
2010-11
I.4.8.5 Cn`w$ pW{V`m| _o, m{YH$aU Zo H$nZr Ho$ _m_bo Ho$ _mb`
I.4.8.7 OrdZ ~r_mH$mVm Ho$ g~Y _|, {Z`w$ ~r_m AH$H$, H$nZr H$s
H$mo {bIm h {H$ dh ~r_m jo _| AmB E\$ Ama Eg _mZH$m| Ho$ AZwnmbZ
Ho$ {bE 2012 H$s VmarI na nwZ{dMma H$a|, Ama AmB E Eg ~r mam
~r_m g{dXmAm| Ama {dmr` n[agn{m`m| Ho$ _yb`mH$Z Ho$ g~Y _|
gemo{YV _mZH$ bmZo VH$ Bgo W{JV aI| &
VH$ZrH$s ma{jV {Z{Y`m|, emoYj_Vm VWm r{_`_ Xam| H$s Am{M`Vm

H$mo _m{UV H$aVm h& BgHo$ A{V[a$ ""{Z`w$-~r_m-AH$H$' H$mo
nyOr n`mVm Ama nyOr gj_Vm _| g_w{MV gVwbZ gw{ZpMV H$aZo
Ho$ {bE "Am{WH$ nyOr" H$s JUZm ^r Ad` H$aZr Mm{hE &
I.4.8.8 Ja OrdZ ~r_mH$Vm Ho$ g~Y _| emoYj_Vm gw{ZpMV H$aZo
Ho$ gmW-gmW, {Z`w$-~r_m-AH$H$ H$mo, AmB~rEZAma (AnJV _Ja

{anmoQ> Zht {H$E JE) VWm AmB ~r EZ B Ama (CnJV _Ja H$m\$s
{anmoQ> Zhr {H$E JE) Xmdm| go g~{YV ~H$m`m Xmdm mdYZm| H$m _mUZ
^r H$aZm Amd`H$ hmoVm h & ~r_mH$VmAm| H$mo, AnZr emoYj_ AnojmE
VWm H$nZr H$s {dmr` pW{V na ^md S>mbZo, A` nam_rQ>am| H$mo
nyam H$aZo _| {OZ MwZm{V`m| H$m gm_Zm H$aZm nS>Vm h Ch| gm_Zo bmZo
Ho$ {bE {Z`w$ ~r_m AH$H$ H$mo "{dmr`-pW{V-{anmoQ>" ^r V`ma
H$aZr hmoVr h& BgHo$ Abmdm nyOr gj_Vm ~T>mZo Ho$ {bE ~r_m AH$H$
H$mo, Am{WH$ nyOr g~Yr JUZmE ^r H$aZr hmoVr h&
{Z`w$ ~r_m AH$H$ (EMwEar) Umbr

I.4.8.6 ^maVr` ~r_m CmoJ _|, "{Z`w$-~r_m-AH$H$-Umbr" EH$
XeH$ go A{YH$ go Mb ahr h& O~ go `h Umbr ma^ hB h V~ go
A~ VH$ BgH$s ^y{_H$m _|, ~r_m jo _| hB VoO dX{Y Ho$ AZwn H$m\$s
_hdnyU ~Xbmd Am`m h& d`yEeZ, moS>Q> {S>OmBZ VWm _y`mH$Z
Ho$ Abmdm AmO ~r_mAH$, "ha g_` na" H$nZr H$s emoYj_Vm H$mo
gw{ZpMV H$aZo hoVw H$nZr H$mo AnZr Am{WH$ pW{V _| gwYma bmZo _|
gj_ ~ZmZo Ho$ {bE EH$ Ama `mnH$ ^y{_H$m {Z^mZo bJm h&
~mg _X-5
Am{WH$ nyOr
hmb hr _|, {dd â _| hB ~hV Am{WH$ KQ>ZmAm| H$mo XoIVo hE, BZ {XZm|, ~r_m CmoJ _| Am{WH$ nyOr Ho$ ~T>Vo _hd Ama Bg g~Y _| \$br
qMVm, XmoZmo Ho$ {>JV, Am{WH$ nyOr H$m _hd H$m\$s ~T> J`m h& Am{WH$ nyOr H$mo H$B Vah go n[a^m{fV {H$`m Om gH$Vm h & `h EH$ Eogm
{dmr` gmYZ h {Ogo ~r_m H$n{Z`m, AZmno{jV hm{Z`m| H$mo Ademo{fV H$aZo Ho$ {bE BVo_mb _| bmVr h & EH$ X_ AmYma Va na, g^m{dV
hm{Z`m| H$mo nyam H$aZo Ho$ {bE EH$ n`m A{Yeof Ho$ n _| n[a^m{fV {H$`m Om gH$Vm h & Am{WH$ nyOr JUZmE, m`:, Omo{I_ H$maH$m| go ~Zr
hmoVr h, Ogo ~mOma Omo{I_, Ho${S>H$ Omo{I_, ~r_m AWdm ~r_m boIZ Omo{I_ n[aMmbZm_H$ Omo{I_ VWm ZH$Xr Omo{I_, Am{WH$ nyOr H$s
JUZm Ho$ g_` Hw$N> ^wI {ZU` {bE OmZo hmoVo h Ama Bg_| Omo {>H$moU AnZm`m OmZm hmoVm h Cg_| H$nZr Ho$ Omo{I_m| H$s H${V Ama gmW
hr ~YZ H$s Omo{I_ ghZerbVm Ama CXXo` n[ab{jV hmoZo Mm{hE &
Am{WH$ nyOr {dbofU go, {H$gr ~r_m H$nZr H$mo, Xmo pW{V`m| Ho$ ~rM Cn`w$ gVwbZ bmZo _| _XX {_Vbr h - ""~hV A{YH$ nyOr"" {Oggo
~r_m H$s bmJV A`{YH$ hmo gH$Vr h VWm ""ZmH$m\$s nyOr'' {Oggo emoYj_Vm H$m AdrH$m` Omo{I_ nXm hmo gH$Vm h& Cn`w$ H$mo XoIVo hE,
m{YH$aU Zo OrdZ ~r_mH$VmAm| VWm Ja-OrdZ-~r_mH$VmAm|, XmoZmm| H$mo AmXoe {X`m h {H$ do Am{WH$ nyO JUZm na EH$ {dVV {anmoQ> o{fV
H$a| Bggo ~r_m H$VmAm| H$mo, AnZr {dmr` gT>Vm ~ZmE aIZo _| AmZo dmbr MwVm{V`m| H$m EH$ `mnH$ n[a` {_boJm& VXZwgma, Am{WH$ nyOr
Ho$ AmH$bZ H$m, \o$_d, ~r_m H$n{Z`m| Ho$ g_yMo Omo{I_ ~YZ V _|, EH$ _hdnyU ^y{_H$m AXm H$aVm h& Bgo ~r_m H$VmAm| H$mo, ~r_m H$mamo~ma
MbmZo _| hmoZo dmbo òH$ Omo{I_ Ho$ {bE ghr nyOr _mm {ZYm[aV H$aZo _| _XX {_bVr h & Am{WH$ nyOr {H$gr H$nZr H$s AnZr Omo{I_
mo\$mBb H$mo n[ab{jV H$aVr h Ama gm_m`V: òH$ Omo{I_ Ho$ {bE {ZYm[aV H$s OmZo dmbr nyOr H$s A{YH$V_ _mm, H$nZr Ho$ AnZo
AmV[aH$ _mS>bm| na {ZYm[aV hmoVr h & Ogm {H$ D$na ~Vm`m J`m h, Am{WH$ nyOr H$s H$moB EH$ n[a^mfm Zhr h, {\$a ^r VrZ Eogo {gXYmV h,
{OZ na Am{WH$ nyOr H$s JUZm, AmYm[aV hmoVr h, ò {gXYmV Bg H$ma h
-
{VHy$b n[aUm_m| H$s ânmB Ho$ {bE n`mV A{Yeof, Ogo {H$, gm^m{$ F$Um_H$ ZH$X dmh, n[agn{m`m| Ho$ _y` _| H$_r AmZm AWdm
Xo`VmAm| Ho$ _y` _| ~T>moVar hmo OmZm &
EH$ {d{e> Omo{I ghZerbVm Va
EH$ {d{ZYm[aV g_` gr_m.
~r_m jo _| Am{WH$ nyOr Ho$ AmH$bZ Ho$ _hd Ama Amd`H$Vm H$mo XoIVo hE, ~r_m {d{Z`m_H$ {dH$mg m{YH$aU Zo OrdZ Ama Jma OrdZ ~r_m
H$n{Z`m| H$mo AmXoe {X`m h {H$ do {d{e> {Xem{ZX}em| Ho$ AVJV, Am{WH$ nyOr H$s JUZm H$a|, Ama VXZwgma dm{fH$ n go [anmoQ> VwV H$a|,
JUZm 99.50 {VeV Ho$ Omo{I_ na _y` Va na Amem{H$ hmoVr h Ama EH$ df H$s g_`md{Y na AmYm[aV hmoVr h {Og_| Omo{I_m| H$m
dJuH$aU, OrdZ ~r_mH$VmAm| Ho$ {bE n[aMmbZ, ~mOma, ZH$Xr VWm Ho${S>Q> Omo{I_ Ho$ n _|, Ed Jma-OrdZ-~r_mH$VmAm| Ho$ {bE, Omo{I_AH$Z, ~mOma, IMm], n[aMmbZ VWm ZH$Xr Omo{I_ Ho$ n _| {H$`m OmVm h& ~r_mH$VmAm| H$mo, Hw$b Am{WH$ nyOr Amd`H$VmAm| H$mo,
{d{dYH$aU ^md H$s gr_m VH$ H$_ H$aZo H$s AZw_{V h, Omo[ H$, OrdZ ~r_mH$VmAm| Ho$ Bg `mg H$mo, Bg g_` Ho$ ''{\$gS> \$Q>a \$m_ybm
{>H$moU go"" Omo{I_ AmYm[aV nyOr {>H$moU H$s Amoa OmZo, VWm AVV: emoYj_Vm H$s A{Ve`Vm-11 H$s Amoa AJga hmoZo H$s OaV Ho$ n{V,
~r_mH$VmAm| H$m `mZ ItMZo Ho$ {bE, EH$ ewAmVr H$X_ Ho$ n _| XoIm Om gH$Vm h&
52
dm{fH$ [anmoQ>
I.4.9 H$mbo YZ H$mo dY ~ZZo go amoH$Zm (EQ>r_Zr bmqS>J)/
2010-11
VWm ~YZ go OwS>o Omo{I_m| Ho$ AmZo go Omo IVao gm_Zo AmE h, CZ
na {deof `mZ XoZo Ho$ {bE H$hm J`m h & amOZr{V go OwS>o bmoJm|
(nrBnr) na {deof `mZ {X`m OmZm h Ama CZHo$ g~Y _| Omo{I_
~YZ {H$`mAm| H$m nmbZ {H$`m OmZm h& gd{Y OrdZ ~r_mg{dXmE, Omo {H$ A~ VH$ EE_Eb/grE\$Q>r {Xem{ZXoem| go N>yQ> m
Wr, Ch| ^r A~ {Xem{ZX}em| H$s n[a{Y _| bm`m J`m h& hmbm{H$ BZ_o
S>`y {S>{bO|g H$s eV] H$_ Va na aIr JB h & {H$gr JmhH$ H$s
nhMmZ Ama/AWdm CgHo$ nVo H$mo gw{ZpMV H$aZo Ho$ {bE drH$ma
{H$E OmZo dmbo XVmdoOm| H$s gyMr _| Ama XVmdmoOm| H$mo OmoS>m J`m
Ogo-am>r` Jm_rU amoOJma JmaQ>r A{Y{Z`_ (ZaoJm) mam Omar {H$`m
OmZo dmbm "Om~ H$mS>" VWm "`y{ZH$ AmBS>opQ>{\$Ho$eZ AWm[aQ>r Am\$
B{S>`m mam Omar n Am{X& Eogm {d|eZ Am\$ _Zr bmS>[aJ {Z`_m|
_| {H$E JE gemoYZm| Ho$ AYrZ {H$`m J`m h {OZ_| Bho Am{YH$m[aH$
n go dY XVmdoO _mZm J`m h &
AmVH$dmX Ho$ {dmnmofU H$mo {VH$ma (EE_Eb/grE\$Q>r) H$m

H$m`H$_:
I.4.9.1 {dmr` H$m`dmB H$m`Xb (E\$EQ>rE\$) _| ^maV H$s gX`Vm
H$s {H$`m Ho$ XmamZ, ~r_m goQ>a H$mo Omar, EE_Eb/grE\$Q>r {Xem
{ZX}em| H$m {dVV AmH$bZ/_y`mH$Z {H$`m Wm& OyZ 2010 Ho$ g
_| ^maV H$mo gX`Vm {_br & Bg {H$`m _| ^maV Zo, E\$EQ>rE\$ H$mo,
EH$ g_` ~XY H$m`dmB-`moOZm H$s dMZ~XYVm Xr &
I.4.9.2 E\$EQ>rE\$ _| gXV`Vm go g~{YV _wXXm| na g_d`H$Vm
H$s ^y{_H$m {Z^mZo Ho$ {bE Wm{nV H$s JB EE_Eb/grE_Q>r na

"AV-_mb`-g_d` g{_{V" Zo {d{dY H$m` q~XwAm| na AnZr
{anmoQ>/{g\$m[ae| XoZo Ho$ {bE H$B Cng{_{V`m| H$m JR>Z {H$`m& ~r_m
{d{Z`_mH$ Ama {dH$mg m{YH$aU BZ _| go Xmo g{_{V`m ("E E_
Eb/grE\$Q>r {d{Z`m_H$ \o$_dH$ AmH$bZ g{_{V" VWm " amQ>r`
Omo{I_ AmH$bZ g{_{V) H$m g{H$` gX` Wm &
I.4.9.6 ^maV Zo Anmd{Y H$m`dmB {~XwAm| H$m AZwnmbZ H$a {b`m

h Ama E\$EQ>rE\$ boZar H$mo AyV~a 2010 _| AZwnmbZ [anmoQ>
{Ôdm Xr h Ama A~ _`md{Y H$madmB `moOZm na H$m_ Mb ahm h&
BZ _`md{Y H$m`mdmB q~XwAm| _| go Hw$N> H$mo nyam H$aZo Ho$ {bE m{YH$aU
{dmr` godmE {d^mJ Ho$ ~r_m ^mJ Ho$ gmW H$m\$s {ZH$Q>Vm go H$m`
H$a ahm h &
I.4.9.3 ~r_m jo _|, E E_Eb/grE\$Q>r {Xem{ZX}em| Ho$ ^mdr
H$m`d`Z Ho$ {bE m{YH$aU mam CR>mE JE {d{^ H$X_m| Ho$ EH$ Ae
Ho$ n _|, 31 OwbmB 2010 VH$ Bg {df` na Omar {d{^ n[anm|
H$m EH$ "_mQ>a n[an' Omar {H$`m J`m& {Xem{ZX}em| Ho$ g~Y _o
~r_m H$n{Z`m| Ho$ AZwnmbZ na {ZaVa, Wbr` Ama WboVa {ZJamZr
aIr OmVr h & My{H$ ~r_m jo EE_Eb/grE\$Q>r Ho$ ^mdr H$m`md`Z
Ho$ N>R>o df _| doe H$a ahm h, AV: Cn`w$ gemoYZm| Ho$ {bE {Xem{ZX}em|
H$s g_rjm H$s Om ahr h Vm{H$, H$m`md`Z Ho$ {V EH$ Omo{I_
AmYm[aV {>H$moU AnZm`m Om gHo$ &
I.4.10 \$gb ~r_m
am>r` H${f ~r_m `moOZm (EZ E AmB Eg)

I.4.10.1 a~r 1999-2000 go `mnH$ \$gb ~r_m `moOZm H$s
OJh, am>r` H${f ~r_m `moOZm (EZEAmBEg) ewar H$s JB & ma^ _o
Ho$db 9 am`m|/gK emg{V Xoem| Zo hr Bg `moOZm H$m {dH$n MwZm
J`m {Xg~a 2002 _| ~Zr ^maVr H${f ~r_m H$n{Z {b. Zo, EZ E AmB
Eg Ho$ H$m`md`Z H$m {O_m {b`m& Iar\$ 2010 VWm a~r 201011 Ho$ XmamZ ^maVr` H${f ~r_m H$nZr go 24 am`m| (amWmZ H$mo
N>moS>H$a {OgZo EEAmBEg Ho$ WmZ na "_mg_ AmYm[aV \$gb ~r_m
`moOZm" MbmB) Xmo gKem{gV Xoem| Zo EZ E AmB Eg MbmB, {Og_|
òH$ grOZ _| bJ^J 35 [d{^ \$gbm| H$mo em{_b {H$`m J`m
{OgH$m gH$b r{_`_ 1,012 H$amoS> nE ahm& EZEAmBEg Ho$
AVJV em{_b ""{V\$g{bV-EH$S>-~r{_V-am{e AmgVZ 7,000
nE Wr & a~r 1999-2000 go Iar\$ 2010 (10 OyZ 2011
VH$) Ho$ JV 22 grOZm| _| 17.13 H$amoS> {H$gmZm| H$mo 2,10,524
H$amoS> nE H$s am{e H$m ~r_m {X`m J`m {OgHo$ AVJV 26.26 H$amoS>
hoQ>à IoVr jo em{_b {H$`m J`m, 323 {VeV Xmdm AZwnmV na
Xmdm| H$s Hw$b 21,034 H$amoS> nE H$s am{e [anmoQ> H$s JB, {Oggo,
`moOZm Ho$ AVJV, 4.62 H$amoS> {H$gmZm| H$mo bm^ nhMm & EZEAmBEg
Ho$ AVJV gaH$ma, H$nZr H$s nyd-n[a^m{fV Xo`Vm Ho$ Abmdm, Q>mn
bmg gwajm ^r XmZ H$aVr h& 2009-10 Ho$ 94.4 {VeV Ho$
_wH$m~bo EZEAmBEg `moOZm H$m gH$b CnJV Xmdm AZwnmV 201011 Ho$ XmamZ 73.2 {VeV Wm &
I.4.9.4 df Ho$ XmamZ, ~r_m n[afXm| Ho$ gh`moJ go, ~r_m H$n{Z`m| Ho$
Q>m\$ H$mo Omar EE_Eb/grE\$Q>r {Xem{ZXoem| na OmJH$Vm bmZo Ho$

{bE dH$ emon/~R>H$ Am`mo{OV H$s J`r& ~r_mH$VmAm| H$s g_P _|
gwYma bmZo Ama E\$AmB `y-AmBEZS>r mam gm[aV [anmoQ>m] na ^mdr
H$m`dmB gw{ZpMV H$aZo Ho$ {bE, ~r_m {d{Z`m_H$ Ama {dH$mg
m{YH$aU Zo, {dmr` BQ>o{bO|g `y{ZQ> B{S>`m (E\$AmB`y-AmBEZS>r)
Ho$ gmW ^r H$m\$s {ZH$Q>Vm go H$m` {H$`m& `y AmBS>r Ho$ `moJ H$s
{d{Y`m| na H$m` H$aZo VWm/^maV _| ~r_m jo Ho$ bmoJm| H$mo `y AmBS>r
Omar H$aZo _| gw{dYm XmZ H$aZo Ogo _wXXm| na H$m` H$aZo Ho$ {bE
"`yAmBS>rEAmB" mam ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU VWm
OrdZ Ama Ja OrdZ ~r_m CmoJ H$m EH$ "g`w$-H$m`Xb' J{R>V
{H$`m J`m &
I.4.9.5 E\$EQ>rE\$ H$mo Xr JB Anmd{Y H$m`dmB q~XwAm| H$s M`Z
~XYVm Ho$ EH$ ^mJ Ho$ $n _|, ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU
Zo, ~r_m jo H$mo AZwXoe Omar {H$E h {OZ_| H$mZyZr `{$`m| Ho$ _m_bo
_|, ""AnZo-JmhH$ H$mo Om{ZE (Ho$dmBgr) _mZXS>m| H$s Anojm, H$mo,
{ZYm[aV {H$`m J`m h& ~r_mH$VmAm| H$mo ZE CnmXm|/momo{J{H$`m|
53
dm{fH$ [anmoQ>
2010-11
gemo{YV am>r` H${f ~r_m `moOZm (E_EZEAmBEg)
_mg_ AmYm[aV \$gb ~r_m `moOZm
I.4.10.2 a~r 2010-11 Ho$ XmamZ gemo{YV am>r` H${f ~r_m,
I.4.10.4 _mg_ AmYm[aV \$gb ~r_m `moOZm (S>b`y ~r gr AmB
`moOZm (E_EZEAmBEg) 50 {Om| _|, m`mo{JH$ AmYma na H$m`md`Z

Ho$ {bE AZw_mo{XV H$s JB& a~r 2010-11 _| ^maVr` H${f ~r_m
H$nZr Zo 12 am`m| Ho$ 32 {Obm| _| gemo{YV am.H$.~r. `moOZm H$m`mpdV
H$s {OgHo$ AVJV 3,45,001 {H$gmZm| H$mo 692 H$amoS> nE H$s
~r{_V am{e Ho$ {bE 45.20 H$amoS> nE Ho$ r{_`_ Ho$ g_j ~r_m
XmZ {H$`m J`m & am.H$.~r. `moOZm H$s VwbZm _| gemo{YV am.H$. ~r_m
`moOZm _o {ZZ {b{IV _wI gwYma {H$E JE h :
Eg) H$m CXXo` ~m[ae Vmn_mZ, H$mohao, Z_r Ogo _mg_ Ho$ nam_rQ>am|
H$s {VHy$b pW{V`m| Ho$ H$maU, \$gbm| H$mo hB hm{Z Ho$ n[aUm_dn,
{H$gmZm| H$mo hmoZo dmbo {dmr` ZwH$gmZ Ho$ H$maU, ~r{_V {H$gmZm| H$mo
hmoZo dmbr VH$br\$m| H$mo H$_ H$aZm h& Bgo g_yMo ^maV _| am.H$.~r_m
`moOZm Ho$ {dH$n Ho$ n _| `moJ {H$`m Om ahm h& H${f ~r_m H$nZr
Zo _m.Am. \$gb ~r_m `moOZm H$m H$m`md`Z Iar\$ 2010 _| 16
am`m| _o {H$`m VWm a~r 2010-11 _| 14 am`m| _o {H$`m, {OZ_|
35 go A{YH$ {^ {^ \$gb| Wr& _m.Am.\$. ~r_m `moOZm H$m
CXXo`, {VHy$b _mg_ pW{V`m| Ho$ {bE, {H$gmZm| H$mo, ~r_m gwajm
XmZ H$aZm h Ogo {H$ H$_ `m, `mXm dfm, b~r Ad{Y VH$ gyIm
nS>Zm, `yZV_ Ama/AWdm A{YH$V_ Vmn_mZm| _| CVma MT>md,
gmno{jV AmVm, hdm H$s J{V Am{X, Omo {H$ \$gb CnmXZ H$mo
{VHy$b n go ^m{dV H$aVo h& Bg `moOZm go `h bm^ h {H$ _mg_
H$s {VHy$b KQ>ZmE hmoZo Ho$ WmoS>o hr g_` Ho$ ^rVa Xmdm| H$s mogoqgJ
H$a Xr OmVr h & _m.Amn.\$. ~r_m `moOZm, r{_`_ H$s ~r_m{H$H$ Xam|
na AmYm[aV h naVw `moOZm H$mo AmH$fH$ ~ZmZo Ho$ {bE Im Ama
{VbhZ \$gbm| Ho$ g~Y _|, {H$gmZm| go dmVd _| dgyb {H$`m OmZo
dmbm r{_`_, EZ E AmB Eg Ho$ "g_Vw`' aIm OmVm h, O~{H$
dm{fH$ dm{Up`H$ Ama ~mJ~mZr \$gbm| Ho$ {bE `h 6 {VeV aIm
OmVm h& H${f ~r_m {ZJ_ Zo 38.98 bmI {H$gmZm| H$s bJ^J 61.20
bmI hoQ>ò a "IoVr-^y{_" H$m ~r_m {H$`m, {OgH$s ~r{_V am{e 4,381
H$amoS> nE Wr Ama {Oggo Iar\$-2010 _| 455 H$amoS> nE H$m
r{_`_ A{OV hAm& a~r 2011 Ho$ XmamZ 28.25 bmI {H$gmZm|
H$s 35.52 bmI hoQ>oà IoVr ^y{_ H$m ~r_m {H$`m J`m, {OgH$s
~r{_V am{e 5,254 H$amoS> nE Wr Ama r{_`_ 428 H$amoS> nE
Wm & _mg_ AmYm[aV \$gb ~r_m `moOZm Zo 2010-11 Ho$ XmamZ
1,950 H$amoS > nE Ho$, EAmBgr gH$b r{_`_ Ho$ 45 {VeV H$m
{hgm m {H$`m&
gemo{YV am.H$. ~r_m `moOZm Ho$ AVJV ^m{aV r{_`_ Xa|

~r_m A{H$V h. Ama BZHo$ r{_`_ _| gaH$ma mam "An-\$Q>
gpgS>r' Xr JB h& ~r_mH$Vm, Xmdm| H$s Xo`Vm am{e Ho$ {bE
CmaXm`r hmoJr Ama CgHo$ gmW `h mdYmZ h {H$ `{X Xmdm
AZwnmV 500 {VeV go A{YH$ hmo OmVm h Vmo gaH$ma "A{V_ghmam-nwZ~u_mH$Vm' H$s ^y{_H$m {Z^mEJr&
_wI \$gbm| Ho$ {bE ~r_m BH$mB, Jm_/Jm_ nMm`V AWdm H$moB
A` g_H$j BH$mB hmoJr&
_Zm H$s JB ~wdmB/nmYmamonU Omo{I_m|, VWm \$gbmoma j{V`m|

H$mo ^r H$da {H$`m OmEJm&
Amobm d{> VWm ^y-IbZ Ogr WmZr` AmnXmAm| Ho$ _m_bo _|

hm{Z`m| H$m `{$JV \$m_ Var` AmH$bZ {H$`m OmVm h &
^mar AmnXmAm| Ho$ _m_bo _| {H$gmZm| H$mo, VH$mb amhV XoZo Ho$
{bE g^m{dV Xmdo H$s 25 {VeV am{e H$m, AmZ-EH$mCQ>
^wJVmZ, A{J_ Ho$ n _| {H$`m OmVm h &
ZB CnO, JV gmV dfm] H$s AmgV CnO na AmYm[aV hmoVr h,

{Og_| go 2 df VH$ H$_ {H$E Om gH$Vo h ~eV] {H$ gaH$ma Zo
mH${VH$ AmnXm Kmo{fV H$s hmo, VWm &
I.4.11 gy_ ~r_m

I.4.11.1 gy_ ~r_m H$mo, H$_ Am` dmbo V~H$m| VH$ bo OmZo Ho$ {bE,
70 {VeV H$m `yZV_ j{Vny{V Va CnbY h (am.H$. ~r_m

`moOZm _| CnbY 60 {VeV H$s VbZm _|)
~r_m {d{Z`_mH$ Ama {dH$mg m{YH$aU Zo gy_ ~r_m {d{Z`_ ~ZmE

h & gy_ ~r_m {d{Z`_ 2005 Eogo ~r_m CnmX {dV[aV H$aZo Ho$ {bE
EH$ _M XmZ H$aVm h {Oh| Jm_rU Ama ehar {ZYZ `{$, AmgmZr
go bo gH$Vo h, Ama Bggo gy_ ~r_m H$mo, Xoe H$s dhV ~r_m Umbr
H$m A{d^m` AJ ~ZZo _| ^r _XX {_bVr h &
I.4.10.3 a~r 2010-11 Ho$ XmamZ, gemo{YV am.H$. ~r_m `moOZm Zo
3.45 bmI {H$gmZm| mam 3.52 bmI hoQ>oà jo _| CJmB JB

\$gbm| H$m ~r_m {H$`m {Og_| ~r_rV am{e 692 H$amoS> nò Wr VWm
45.20 H$amoS> nE H$m r{_`_, "Omo{I_ A{H$V' {H$`m J`m Wm&
Xmdm| H$s pW{V, {dmr` df 2011-12 Ho$ XmamZ kmV hmoZo H$s
Amem h & ^maV gaH$ma Zo Iar\$ 2011 Ho$ XmamZ m`mo{JH$ AmYma
na gemo{YV am. H$. ~r_m `moOZm Ho$ H$m`md`Z Ho$ {bE emgH$s`$
AmXoe Omar H$a {XE &
I.4.11.2 gy_ ~r_m {d{Z`_m| H$m _w` H$m` AmgmZr go boZo `mo`
~r_m CnmXm| Ho$ mam, H$_ Am` dmbo bmoJm| H$mo, gwajm XmZ H$aZm h,
Vm{H$ do EH$ {Z{MV ~r_m am{e Va, r{_`_ Ama bm^ _mZH$m| dmbo,
Hw$N> _mZH$sH$V bmoH${` ~r_m CnmXm| H$s _XX go, d` H$mo, Omo{I_m|
go C~ma gH|$ & BZ {d{Z`_m| Zo Z Ho$db Ja-gaH$mar-gJR>Zm| Ama
d` ghm`Vm g_yhm| H$mo gy_ ~r_m CnmXm| Ho$ {dnUZ _| ~r_m H$n{Z`m|
54
dm{fH$ [anmoQ>
2010-11
Ho$ EO|Q> H$s ^y{_H$m {Z^mZo _| _XX H$s h ~{H$ OrdZ Ama Ja OrdZ
~r_mH$VmAm| H$mo, "H$mo~r-_mBH$mo" ~r_m CnmXm| H$mo mogm{hV H$aZo
_| ^r _XX Xr h &
{H$`m Ama 29.5 bmI OrdZ ~r_m| go 123 H$amoS> nE H$m `{$JV
r{_`_ H$_m`m O~{H$ 1.33 H$amoS> OrdZ ~r_m| go 138 H$amoS> nE
H$m gm_y{hH$ r{_`_ H$_m`m &
OrdZ ~r_m jo
I.4.11.4 _mM 2010 Ho$ AV H$s pW{V _| gy_ ~r_m EO|Q>m| H$s
g`m 10,482 Wr, {OZ_| go 9,724 ^maVr` OrdZ ~r_m {ZJ_ Ho$
Wo, VWm eof mBdoQ> jo Ho$ H$n{Z`m| Ho$ {V{Z{Y Wo& A~ VH$ 14
OrdZ ~r_mH$VmAm| Zo 28 gy_ ~r_m CnmX ma^ {H$E h, BZ_| go
16 `{$JV CnmX h, VWm 12 gm_y{hH$ CnmX h.
I.4.11.3 df Ho$ XmamZ, Ohm `{$JV Z`m H$mamo~ma r{_`_ 36.51
bmI nm{bgr`m| Ho$ AVJV, 130 H$amoS> nE Wm, dht gm_y{hH$ ~r_m
H$mamo~ma 1.52 H$amoS> OrdZ ~r_m| Ho$ AJJV 155 H$amoS> nE r{_`_
Wm & ^maVr` OrdZ ~r_m {ZJ_ Zo Bg nmoQ>\ $mo{b`m| _| gdm{YH$ H$mamo~ma
Vm{bH$m I.48
2010-11 Ho$ {bE gy_ ~r_m nmoQ>\$mo{b`m| Ho$ AVJV Z`m H$mamo~ma
(r{_`_ bmI nE)
~r_mH$Vm
mBdoQ>
Or.~r. {ZJ_
Hw$b
`{$JV
nm{bgr`m
699733
2951235
3650968
r{_`_
735.09
12305.76
13040.85
`moOZmE
23
5446
5469
gm_y{hH$
H$da {H$E JE OrdZ
1983537
13275464
15259001
r{_`_
1719.14
13803.67
15522.81
{Q>nUr: ZE H$mamo~ma r{_`_ _o, nhbo df H$m VWm EH$b r{_`_ em{_b h.
~r_mH$Vm
mBdoQ>
Or.~r. {ZJ_
Hw$b
Vm{bH$m I.49
OrdZ ~r_mH$VmAm| Ho$ gy_ ~r_m EO|Q>g
1 Ab 2010 Ho$ pW{V
OmoS>o JE
KQ>mE JE
770
139
151
7906
2171
353
8676
2310
504
31 _mM 2011, H$s pW{V

758
9724
10482
Vm{bH$m I.50
gyj_ ~r_m nmoQ>\$mo{b`m| Ho$ AVJV `{$JV _`w Xmdo - 2010-11
~r_mH$Vm
Hw$b Xo` Xmdo

nm{b{g`m|
bm^
H$s g`m
am{e
mBdoQ>
4071
Or~r {ZJ
Hw$b
514.59
^wJVmZ {H$E JE Xmdo

nm{b[g`m|
bm^
H$s g`m
am{e
4039
(99.21)
AdrH$V Xmdo
nm{b{g`m|
bm^
H$s g`m
am{e
(bm^ am{e bmI nE)

31 _Mm 2011 H$mo b{~V, Xmdo
nm{b{g`m|
bm^
H$s g`m
am{e
505.23
(98.18)
28
(0.69)
9.01
(1.75)
4
(0.10)
0.35
(0.07)
7320 1190.17
7244 1174.12
(98.96) (98.65)
60
(0.82)
13.41
(1.13)
16
(0.22)
2.64
(0.22)
11391 1704.76
11283 1679.35
(99.05) (98.51)
88
(0.77)
22.42
(1.32)
20
(0.18)
2.99
(0.17)
55
dm{fH$ [anmoQ>
2010-11
Vm{bH$m I.51
gy_ ~r_m nmoQ>\$mo{b`m| Ho$ AVJV gm_y{hH$ _`w Xmdo 2010-11
~r_mH$Vm
Hw$b Xo` Xmdo

OrdZm|
bm^
g`m
am{e
^wJVmZ {H$E JE Xmdo

OrdZm|
bm^
H$s g`m
am{e
mBdoQ>
4499
4285 1028.07
(95.24)
(93.69)
45965 19607.62
(99.26)
(99.30)
50250 20635.69
(98.91)
(99.00)
1097.25
Or.~r. {ZJ_ 46306 19746.19

Hw$b
50805 20843.44
AdrH$V Xmdo
OrdZm|
bm^
H$s g`m
am{e
128
(2.85)
0
(0.00)
128
(0.25)
(bm^ am{e bmI nE _|)

df Ho$ AV _| b~{V Xmdo
OrdZm| H$s
bm^
g`m
am{e
42.90
(3.91)
0.00
(0.00)
42.90
(0.21)
86
(1.91)
341
(0.74)
427
(0.84)
26.29
(2.40)
138.57
(0.70)
164.86
(0.79)
{Q>nUr: H$mo>H$m| _| {XE JE AmH$S>o, g~{YV Hw$b Xmdm| H$m {VeV XemVo h.
I.4.11.5 m{YH$aU mam ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU
(gy_ ~r_m) {d{Z`_ 2005, A{Ygy{MV {H$E OmZo Ho$ ~mX, Jar~m|
H$s OaVm| H$mo nyam H$aZo dmbo CnmXm| Ho$ {S>OmBZ _|, eZ:eZ dX{Y
{XImB Xr h& {d{Z`_m| _| mdYm{ZV bMrbonZ go ~r_mH$VmAm| H$mo
"g`w$ H$da" AWdm "nHo$O CnmX' ~ZmZo H$s AZw_{V {_br h &
m{YH$aU Ho$ AZw_moXZ go ~r_m H$n{Z`m, nhbo go hr AZw_mo{XV
gmYmaU CnmXm| H$s noeH$e, gy_ ~r_m CnmXm| Ho$ n _| H$a ahr h
~eV] {H$ CnmX H$s ~r{_V am{e VWm A` \$sMg, gy_ ~r_o Ho$ {bE
{ZYm[aV a|O _| AmVo h.
I.4.11.6 `{$JV Ama gm_y{hH$ dJ Ho$ {bE _`wXmdm| H$m Ad{Y-
dma {ZnQ>mZ {ZZ {b{IV Vm{bH$mAm| _| {X`m J`m h &
Vm{bH$m I.52
gy_ ~r_o _| {ZnQ>mE JE _`wXmdm| H$m {ddaU-`{$JV dJ, 2010-11
(nm{b{g`m| H$s g`m)
~r_mH$Vm
mBdoQ>
Or.~r. {ZJ_
Hw$b
Ad{Y
gyMZm Ho$ 30
{XZ Ho$ ^rVa
31 go 90
{XZ
91 go 180
{XZ
181 {XZ go
EH$ df
1 df go
A{YH$
Hw$b {ZnQ>mZ
JE Xmdo
3972
(98.34)
7242
(99.97)
11214
(99.39)
53
(1.31)
2
(0.03)
55
(0.49)
13
(0.32)
0
(0.00)
13
(0.12)
1
(0.02)
0
(0.00)
1
(0.01)
0
(0.00)
0
(0.00)
0
(0.00)
4039
7244
11283
{Q>nUr: H$moo>H$m| _o {XE JE AmH$S>o, Hw$b {ZnQ>mE JE Xmdm| H$m {VeV XemVo h.
Vm{bH$m I.53
gy_r~r_o _| _`w Xmdm| H$m Ad{Y dma {ZnQ>mZ-gm_y{hH$ dJ, 2010-11
(nm{b{g`m| H$s g`m)
~r_mH$Vm
gyMZm Ho$ 30
{XZ Ho$ ^rVa
mBdoQ>
4080
95.22
Or.~r. {ZJ_
45366
98.70
Hw$b
49446
98.40
Ad{Y
31 go 90
{XZ
172
4.01
599
1.30
771
1.53
91 go 180
{XZ
31
0.72
0
0.00
31
0.06
{Q>nUr: H$mo>H$m| _| {XE JE AmH$S>o Hw$b {ZnQ>mE JE Xmdm| H$m {Ve XemVo h.
56
181 {XZ go
EH$ df
2
0.05
0
0.00
2
0.00
1 df go
A{YH$
0
0.00
0
0.00
0
0.00
Hw$b {ZnQ>mZ
JE Xmdo
4285
45965
50250
dm{fH$ [anmoQ>
Ja OrdZ ~r_m jo
2010-11
Ama pWaVm _w`V: Bg ~mV na {Zâ H$aVr h {H$ BgH$s 'boZXoZ-bmJVo' H$_ aIr OmE &
I.4.11.7 g^r nOrH$V ~r_m H$n{Z`m| Ho$ Eogo ~hV go CnmX h Omo
I.4.11.8 ~r_m A{Y{Z`_, 1938 Ho$ n[aN>oX 32(~r) VWm 32(gr)
H$_-Am` dJ dmbo bmoJm| H$s Amoa b{jV h, Ogo "OZVm-`{$JVXwKQ>Zm nm{bgr' Jm_rU `{$JV XwKQ>Zm nm{bgr, XwYm$ new/bmBd
Q>mH$ ~r_m, Am{X BZHo$ Abmdm BZ KQ>H$m| Ho$ bm^ Ho$ {bE mBdoQ>
Ama gaH$mar ~r_mH$VmAm| mam H$B Q>oba _oS> gm_y{hH$ gy_ ~r_m
nm{b{g`m| H$s noeH$e ^r H$s OmVr h& My{H$ gy_ ~r_m EH$ H$_
H$s_V dmbm Ama A{YH$ _mmdmbm H$mamo~ma h, Bg{bE BgH$s g\$bVm
Ed ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU (~r_mH$VmAm| H$s Jm_rU

Ama gm_m{OH$ jom| Ho$ {V ~m`VmE) {d{Z`_m| Zo Jm_rU jo Ho$
OaV H$mo {ZYm[aV H$s h, {OZgo ^r, ^maV _| gy_ ~r_m CnmXm| Ho$
{dH$mg Ama mogmhZ H$mo ~T>mdm {_bm h &
~mg _X-6
gy_ ~r_m - {nN>bo H$m` {ZnmXZ H$s g_rjm Ama ^{d` H$s naoIm
n>^y{_
Xoe _| ~r_m Ho$ \$bmd H$mo gVw{bV Ama V J{V go {dVma H$mo gw{ZpMV H$aZo Ho$ EH$ `mg Ho$ n _| m{YH$aU Zo, ~r_m {d{Z`m_H$ {dH$mg
m{YH$aU (~r_mH$VmAmo H$s Jm_rU AWdm gm_m{OH$ jom| Ho$ {V~m`Vm) {d{Z`_, 2002 ~ZmE& BZ {d{Z`_m| Zo ~r_mH$VmAm| na `h ~m`Vm
bmJy {H$, do EH$ {d{ZYm[aV {VeV _| nm{b{g`m, Jm_rU OZVm H$mo ~oM|, VWm Jar~r aoIm go ZrMo AmZo dmbo bm|Jm|, AWdm Omo bm|J Hw$N> nman[aH$
`dgm` H$aVo h, CZHo$ OrdZ/n[agn{m`m| H$mo EH$ {d{ZYm[aV g`m _| H$da H$a|& `h ~m`Vm Jm_rU Ama H$_ Amò dmbo jom| _| \$bmd H$mo
~T>mZo Ho$ {bE H$m\$s ^mdmonmXH$ ahr h, Ohm {H$ ~r_m| H$s g`m ~hV hr H$_ Wr &
JV XeH$ _| H$m\$s dX{Y Ho$ ~mdOyX j_Vm H$mo XoIVo hE, H$daoO, {deofH$a Jm_rU Ama g_m{OH$ jom| _|, H$m\$s An`m ahr h, ~m`VmAm| H$s
ewAmV Ho$ VH$mb ~mX hr, `h ^r g_Pm Om MwH$m Wm, {H$ hmbm{H$, {OZ jom| H$mo H$da Zht {H$`m J`m Wm CZ_| ~r_mH$VmAm| H$mo H$m` H$aZo
Ho$ {bE ~m` H$aZo _| Vmo do g_W ahr h, VWm{n, Bg g~Y _| {OVZm H$m` {H$E OmZo H$s OaV h dh Ho$db ~m`Vm go hr g^d Zht hmo nmEJm&
Eogm _hgyg {H$`m J`m Wm {H$ Jm_rU Ama H$_ Am` dmbo KQ>H$m| Ho$ ~rM, ~r_m H$m Mma-gma H$aZo _| ~r_mH$VmAm| H$mo, dmVd _| Hw$N>
H${R>ZmB`m gm_Zo Am ahr h. Ama BZ_| go Hw$N> H$m g_mYmZ, {d{Z`m_H$ mdYmZm|/{Z`_m| _| {e{WbVmAm|, mam {H$`m Om gH$Vm h & {ZYZ
Jm_rUm| H$s dV_mZ ~r_m `moOZmAm| H$s OmM Ho$ {bE ^maV gaH$ma Zo 2003 _| EH$ nam_e Xb H$m JR>Z {H$`m Wm & Bg Xb H$s gr\$m[aem| Ho$
AmYma na m{YH$aU Zo ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU (gy_ ~r_m) {d{Z`_, 2005 Omar {H$E& Xb Zo AnZo H$m` Ho$ XmamZ, `h
gwPmd ^r {X`m Wm {H$ dV_mZ n[ano` _| EH$b/gy_ ~r_m gWmE, `dhm[aH$ Zhr ah nmEJr
gy_ ~r_m {d{Z`_m| H$m gma - Vd
- '^mJrXma-EO|Q> _mS>b' AnZmZm, {OgHo$ mam ~r_mH$Vm, Omo{I_ AH$Z Ho$ n _|, VH$ZrH$s {deofkVm XmZ H$aoJm O~{H$ EO|Q>,
g_wXm`m| Ho$ ~rM, ZoQ>dH$,nhM VWm âmogm bmEJm.
- "gy_ ~r_m EO|Q>m|" Ho$ Zm_ go, {dVaH$m| H$m EH$ Z`m dJ {Z_V {H$`m J`m, {OgHo$ mam, gy_ {dm gWmAm| (E_ E\$ AmB) Ja-gaH$mar
gJR>Zm| (EZOrAmo) Ama d` ghm`Vm g_yhm| (EgEMOr) H$mo gy_ ~r_m CnmXm| H$mo {dVaU H$m H$m` H$aZo H$s AZw_{V XmZ H$s JB &
- BZ nm{b{g`m| Ho$ N>moQ>o AmH$ma Ama BZ_| em{_b A{V[a$ godm {O_oXm[a`m| H$mo XoIVo hE gy_ ~r_m, EO|Q>m| H$mo {dôXH$ H$_reZ Xam| H$s
AZw_{V XmZ H$s JB h. {d{Z`_m| Zo, ej{UH$ `mo`Vm, narjm Ama bmBg|qgJ go g~{YV AnojmAm| _| Vmo Ny>Q> XmZ H$s h, naVw ~r_m
H$VmAm| mam ~r_m EO|Q>mo Ho$ H$_Mm[a`m|, H$mo, 25 KQ>o H$m {ejU XoZo H$m AmXoe {X`m h.
- {_{lV CnmX, {OZHo$ mam EH$ Am` dmbo n[admam| Ho$ OrdZ, dm`, XwKQ>Zm, Amdmg, new, AmOma Ama CnH$aUm| go OwS>o, {d{dY
Omo{I_m| H$mo, OrdZ Ama gmYmaU ~r_mH$VmAm| Ho$ ~rM Vmb_ob go, EH$-EH$b nm{bgr Ho$ AVJV bm`m Om gH$Vm h.
- "gy_-~r_m" _| AmZo H$s nmVm hoVw, CnmXm| H$s ~r{_V am{e H$mo, n[a^m{fV {H$`m J`m h, Vm{H$ gw{ZpMV {H$`m Om gHo$ {H$, CnmX,
{d{e>V: gy_ ~r_m KQ>H$ H$s OaVm| H$mo nya H$aVo h.
57
dm{fH$ [anmoQ>
2010-11
gy_ ~r_m {d{Z`_ - H$m` {ZnmXZ H$s g_rjm

1.
OrdZ ~r_m:
df 2007-08 go 2010-11 Ho$ {bE gy_ ~r_m EO|Q>m|, Omo{I_ A{H$V nm{b{g`m| H$s g`m VWm AXm {H$E JE Xmdm| Ho$ {ddaU ZrMo
Vm{bH$m _| {XE JE h.
gy_ ~r_m (E_ AmB) EO|Q>m| (OrdZ) H$s g`m
df (31 _mM VH$)
2008
2009
2010
2011
Z`m H$mamo~ma r{_`_ (OrdZ)
g`m
4584
7250
8676
10482
(H$amoS> nE)
`{$JV
df
2007-08
2008-09
2009-10
2010-11
nm{bgr`m|
937768
2152069
2983954
3650968
r{_`_
18.23
36.56
158.22
130.40
`moOZmE
7598
6897
5207
5469
gm_y{hH$
OrdZ
12242027
12551809
16842070
15259001
r{_`_
201.27
205.95
234.81
155.23
gy_ ~r_m Xmdo (OrdZ)

(H$amoS> nE)
`{$JV
df
2007-08
2008-09
2009-10
2010-11
gm_y{hH$
AXm {H$E JE
Xmdm| H$s g`m
AXm {H$E JE
Xmdo
AXm {H$E JE
Xmdm| H$s g`m
AXm {H$E JE
Xmdo
439
(87.80)
2527
(95.83)
7508
(99.13)
11283
(99.05)
0.62
(88.38)
3.31
(86.03)
8.19
(95.55)
16.79
(98.51)
43688
(99.86)
50338
(99.64)
43463
(98.74)
50250
(98.91)
120.88
(99.91)
154.62
(99.71)
177.68
(99.09)
206.35
(99.00)
{Q>nUr: H$mo>H$m| _o {XE J`m {VeV gy{MV Xmdm| go, AXm {H$E JE Xmdm| H$m, {VeV h & Ogm {H$ C$ Vm{bH$mAm| go XoIm Om gH$Vm h, gy_
~r_m Zo ewAmV Vmo EH$ A`V N>moQ>o n _| H$s Wr _Ja JV Hw$N> dfm] _| BgZo H$m\$s _O~yV d{ X{eV H$s h &
AbJ-AbJ AmH$S>o XoIZo go kmV hmoVm h {H$ `{n gm_y{hH$ ~r_o H$m H$m\$s ~S>^mJ, gaH$ma mam m`mo{OV, gm_m{OH$ gwajm `moOZmAm| mam
g_{WV {H$`m J`m h & VWm{n 3.6 {_{b`Z `{$JV OrdZ ~r_m nm{b{g`m, A{YH$meV: dnmo{fV h, {Oggo B{JV hmoVm h {H$ b`dJ, Ho$
bmoJ ~r_m H$admZo Ho$ BNw>H$ h, ~eV] CZHo$ {hgm~ go, ghr H$ma H$s ~r_m nm{b{g`m CnbY hmo.
gy_ ~r_o Ho$ AVJV, ZdrH$aU r[_`_ (OrdZ) _|, am{e Ho$ {hgm~ go, H$m\$s dX{Y hB h. df 2010-11 _| `{$JV ZdrZrH$aU r{_`_
181 H$amoS> nE Wm O~{H$ gm_y{hH$ gy_ ~r_m ZdrZrH$aU r{_`_ 682 H$amoS> nE Wm&
58
dm{fH$ [anmoQ>
2010-11
II. Ja-OrdZ ~r_m

df 2009-10 VWm 2010-11 _| Ja OrdZ ~r_m H$n{Z`m| mam Omo{I_ A{H$V r{_`_ VWm AXm {H$E Xmdm| H$m {ddaU ZrMo Vm{bH$m
_| VwV {H$`m J`m h.
Ja OrdZ ~r_m-r{_`_ Ama Xmdo
(H$amoS> nE)
df
2009-10
2010-11
gH$b {b{IV
r{_`_
193.14
393.38
gH$b CnJV Xmdo

126.65
309.90
gH$b CnJV Xmdm

AZwnmV
65.57
78.78
31 _mM 2011 H$s pW{V`m| _|, OrdZ ~r_mH$VmAm| Ho$ nmg, 16 `{$JV Ama 12 gm_y{hH$ gy_ ~r_m CnmX Wo O~{H$ gmYmaU ~r_mH$VmAm|
Zo Hw$b 66 CnmX ma^ {H$E& Bg ~mV H$mo H$m\$s _hgyg {H$`m Om ahm h {H$ {H$\$m`Vr bmJV, ~ohVa godm XmZ H$aZo VWm ~ohVa Xm{`d Ho$
H$maU, gaH$mar gm_m{OH$ gwajm `moOZmE, ~r_mH$VmAm| Ho$ _m`_ go `mXm AN>r Vah MbmB Om gH$Vr h & Bg{bE H$_-Am`/gy_ ~r_m
KQ>H$m| H$mo b`V, ^maV gaH$ma H$s VrZ AJUr gm_m{OH$ gwajm `moOZmE - 'Am_ AmX_r ~r_m `moOZm (E E ~r dm`), 'OZ lr ~r_m `moOZm"
VWm am>r` dm` ~r_m `moOZm (AmaEg ~r dm`), emgZ hoVw, ~r_m H$VmAm| H$mo gmn Xr JB h.
^mdr n aoIm
EH$ N>moQ>r gr ewAmV Ho$ ~mX, {d{Z`_m| Ho$ Omar H$aZo Ho$ nMmV, nmM df H$s Ad{Y _|, gy_-~r_m-H$mamo~ma Zo EH$ g_mZOZH$ AmH$ma H$mo
Ny> {b`m h& df 2010-11 _|, OrdZ Ama Ja-OrdZ gy_ ~r_m gm{d^mJm| Ho$ AVJV, XmoZm| H$mo {_bm H$a, Hw$b 1542.62 H$amoS> nE H$m
r{_`_ EH${V {H$`m J`m& {Og_| go OrdZ ~r_m r{_`_ 1149.24 H$amoS> nE Wm VWm Ja OrdZ ~r_m {_`_ 393.38 H$amoS> nE Wm
& VWm{n, H$_ Am` dmbo Ama Jm_rU KQ>H$m| _|, ~r_m H$s OaV H$mo XoIVo hE A~ VH$ {OVZm H$m` hAm h, dh Z Ho$ ~ma~a hr h & BZ dJm]
Ho$ Ho$db ~hV hr N>moQ>o {hgo H$mo A~ VH$ {H$gr H$ma H$s ~r_m gwajm {_b nmB h, Ama Bg dJ Ho$ {demb A~r_mH$V OZg_wXm` H$mo, VH$mb
~r{_V {H$E OmZo H$s na_ AmdH$Vm h& gy_ ~r_o Ho$ {dVma _| J{V bmZo Ho$ {bE, {ZZ{b{IV H$X_ ghm`H$ hmo gHo$ h:
1.
My{H$ gy_ ~r_m H$m AmH$ma ~hV N>moQ>m hmoVm h Bg{bE _w`Ymam Ho$ ~r_m na bmJy {V nm{bgr bmJV BZ_| H$m_ Zhr Am gH$Vr AV:
~r_m H$VmAm| Ho$ {bE A{Zdm` hmo OmVm h {H$ do Bh| KQ>Zmo Ho$ {bE ZE-ZE VarHo$ ImoOo, `{$JV ~r_o H$s VwbZm _| gm_y{hH$ ~r_o _| ~hV
hr H$_ bmJV AmVr h {OgH$m H$maU, {dVaU H$s H$_ bmJV, nyao g_yh Ho$ {bE EH$ hr nm{bgr Omar H$aZo Ho$ H$maU Cn[aerf bmJV| ~hV
hr H$_ AmZm, Omo{I_ AH$Z Ho$ gab _mZXS> VWm r{_`_ ofU Ama Xmdo VwV H$aZo _o ZmoS>b EO|gr H$m nyU g_W m hmoVm h& BgHo$
Abmdm, gy_ ~r_m g_yh Ho$ bmJo, Amng _| OwS>o, gm_m{OH$ Ama Am{WH$ g_wXm`m| Ho$ n _| ahVo h, AV: gm_wXm{`H$ ZoVd Ho$ O[aE
CZ VH$ AmgmZr go nhMm ^r OmgH$Vm h & gm_wXm{`H$ ZoVd Ho$ gh`moJ Ho$ H$maU, ~r_mVmAm| na, OmH$Vm {Z{_V H$aZo H$m X~md ^r
H$_ hmo OmVm h &
2.
ZdrZV_ mmo{JH$s Zo, ImgH$a Jm_rU BbmH$m| _|, {dmr` jor mam MbmE OmZo dmbo, n[aMmbZm| Ho$ VarHo$ _|, EH$ H$m{VH$mar ~Xbmd bm
{X`m h & AnZo n[aMmbZm| H$m {dVma H$aZo Ama Cho {H$\$m`Vr ~ZmZo Ho$ {bE ~r_mH$Vm ^r, BZ ZdrZV_ mmo{J{H$`m| H$m Cn`moJ H$aHo$
bm^ CR>m gH$Vo h., Ogo BQ>aZoQ> Ho$ O[aE, hmW go MbZo dmbo CnH$aUm| go r{_`_ am{e BH$Q>R>r H$aZm, _mo~mB \$moZ go AXm`{J`m| Ama
godm Ho$ AZwamoY, ZoQ> na Vmdm| H$mo bmJ-BZ H$aZm, Xmdm| H$mo Amn-bmoS> H$aZm VWm g{dqgJ Ho$ {bE AZwamoY H$aZm Am{X& g{dqgJ
XoZo VWm ^wJVmZ XoZo Ama boZo Ho$ {bE, ~r_H$Vm, Eogo A` H$mamo~m[a`m|/gWmAm| Ho$ gyMZm mmo{JH$s ZoQ>dH$/~w{Z`mXr gw{dYmAm| H$mo
^r {H$am`m, na boZo H$m {dMma H$a gH$Vo h, {OZHo$ nmg, Jm_rU jo _|, Bg H$ma H$s AN>r gw{dYmE CnbY h &
3.
gy_ ~r_m EO|Q> ~ZZo H$s nmVm, A~ Ho$db gy_ {dm gWmAm| (E_ E\$ AmB) d` ghm`Vm g_yhm| (Eg EM Or)VWm Ja gaH$mar
gJR>Zm| (EZ Or Amo) VH$ hr gr{_V h& My{H$ Eogr gWmE Xoe Ho$ A{YH$me {hgm| _| g{H$` Zhr h, AV: Xoe _| gy_ ~r_m Ho$, gVw{bV
Ama V J{V go {dH$mg Ho$ {bE gy_ ~r_m EO|gr Ho$ H$mon _| d{ {H$E OmZo H$s Amd`H$Vm h & Hw$N> Xoem| _| Vmo ngm[a`m|/Jbr Ho$ Zw$S>
Ho$ Q>moO _| ^r, gy_ ~r_m CnmXm| H$s {~H$s, g\$bVmnyd ew H$s Om MwH$s h & JmhH$, Q>moa EH$ dmCMa IarXVm h Ama AnZo {ddaU
XwH$mZ _| N>moS> XoVm h {OgHo$ ~mX ~r_mH$Vm H$m EO|Q>/{V{Z{Y, EH$ gVmh Ho$ ^rVa H$mJOr H$madmB nyar H$aZo Ho$ {bE CgHo$ Ka OmVm
h Ama nm{bgr Omar H$a XoVm h, ~eV} {H$, Omo{I_ AH$Z-Amd`H$VmAm| H$mo nyam {H$`m J`m hmo & Jm_rU/H$_ Am`dmbo g_wXm`m| mam
Am_Vma na IarXr OmZo dmbr {d{^ _Xm|, Ogo \$m_ CnH$aU, ~rO, CdaH$/H$sQ>ZmeH$, Q>obr{dOZ, _mo~mBb \$moZ/godmAmo, _moQ>a/
nn, F$U, O_mam{e`m| VWm ~YH$mo (_moQ>JoO) Ho$ gmW ^r ~r_m H$mo OmoS>m Om gH$Vm h &
59
dm{fH$ [anmoQ>
I.4.12 m{YH$aU mam Omar {ZX}e, AmXoe Ama {d{Z`_
2010-11
I.4.13.2 Bgr Ad{Y _|, m{YH$aU Zo, AmaQ>rAmB A{Y{Z`_, 2005
Ho$ n[aN>oN> 5(2) Ho$ AZwgaU _|, AmaQ>rAmB A{Y{Z`_, 2005 Ho$
C$ goeZ Ho$ AZwgma gmno JE H$m`m H$m {Zdmh H$aZo Ho$ {bE, lr
amHo$e ~OmO H$mo, AnZo {Xr H$m`mb` Ho$ {bE ghm`H$ Ho$r`
OZgyMZm A{YH$mar Zm{_V {H$`m &
I.4.12.1 m{YH$aU Zo 2010-11 Ho$ XmamZ ~hV go n[an, {ZX}e
Ama AmXoe Omar {H$E, BZ g^r n[anm|, {ZX}em| Ama AmXoem| H$s gyMr
AZw~Y 8 _| Xr JB h& AZw~Y 8 _| 30 qgV~a 2011 VH$ Omar BZ
g^r n[anm| {ZX}em| Ama AmXoem| H$mo em{_b {H$`m J`m h & BZHo$
Abmdm m{YH$aU mam 30 qgV~a 2011 VH$ A{Ygy{MV g^r
{d{Z`_m| H$m {ddaU AZw~Y 9 _| {X`m J`m h &
I.4.13.3 BZHo$ A[V[a$, Cg g`_ Ho$ gX` (EMwar) S>m. Ama
H$UZ H$mo AmaQ>rAmB A{Y{Z`_, 2005 Ho$ n[aN>oX 19(2) Ho$

AZwgma "Anrbr` m{YH$mar" Zm{_V {H$`m J`m Ama 1 OyZ 2011
H$mo m{YH$aU Ho$ H$m`mb` go nX`mJ H$aZo Ho$ n[aUmdn, CZHo$
WmZ na, lr EM. AZVH$UZ, AmoEgS>r ({d{Y) H$mo "A{nbr`
m{YH$mar" Zm{_V {H$`m J`m &
I.4.13 gyMZm H$m A{YH$ma (AmaQ>rAmB) A{Y{Z`_,2005

I.4.13.1 2010-11 Ho$ XmamZ m{YH$aU Zo Ama Q>r AmB A{Y{Z`_,
2005 Ho$ n[aN>oX 5(1) Ho$ AZwgaU _| {ZZm{H$V A{YH$m[a`m| H$mo

H|$r` OZgyMZm A{YH$m[a`m| (grnrAmBAmo) Ho$ n _| Zm{_V {H$`m:
Vm{bH$m I.54
grnrAmBAm| A{YH$m[a`m| H$s gyMr
H$.g.
grnrAmBAm| H$m Zm_
{d^mJ
H$m`jo
1.
lr Eg nr MH$dVu
E`y[a`b
~r_m{H$H$ {dda{U`m, {Z`w$ ~r_mH$H$ Umbr, OrdZ ~r_m CnmXm|

H$m "\$mBb ES> `yO VWm ~r_mH$H$ g~Yr A` {df`
2.
lr S>r dr Eg a_oe
OrdZ
OrdZ~r_m {dda{U`m, ~mOma AmMaU g~Yr {df`, gy_ ~r_m,

EOogr, H$mnm}aoQ> EOogr EQ>rAmB (EOoQ> {ejU gWmE)
VWm ao\$abO ~r_mH$VmAm| Ho$ emIm H$m`mb`m| H$m AZw_moXZ Am{X &
3.
lr EZ E_ ~ohoam
Ja OrdZ
dm` ~r_m g~Yr {df` &
4.
lr Ho$ lrYa
Ja OrdZ
nwZ~r_m, \$mBb ES> `yO CnmX gd}jH$, ~r_mH$VmAm| Ho$ emIm

H$m`mb`m| H$m AZw_moXZ, VWm gmYmaU ~r_mH$VmAm| Ama
nwZ~u_mH$Vm(Am|) go OwS>o A` _m_bo &
5.
lr Ho$ _hrnmb ao>r
Ja OrdZ
~moH$g VWm VVr` nj emgZ (Q>rnrE) &
6.
lr _hoe AJdmb
{dm Ama {Zdoe
~r_mH$VmAm| H$m boIm Ama {Zdoe VWm gmW hr ~r_mH$VmAm| H$m

nOrH$aU, ~r_mH$VmAm| Ho$ _w` H$m`nmbH$ A{YH$m[a`m| H$m AZw_moXZ,
{Z`w{$ Ama nm[al{_H$, B`m{X
7.
lr E H$UZ
Cn^mo$m _m_bo
nm{bgrYmaH$m| Ho$ {hVm| H$s ajm, OrdZ Ama Ja-OrdZ XmoZm|

({eH$m`V, {dkmnZ, bmoH$nmb Am{X)
8.
lr ~r amKdZ
emgZ
_mZd ggmYZ, ^mr Ama {ejU, nXmoZVr, gVH$Vm B`m{X

VWm H$m`mb` godmE, gyMZm nmmo{JH$r, AVam>r` _m_bo, AmV[aH$
boIm ajm Ama H$mZyZr _m_bo VWm A` eof H$m` &
60
dm{fH$ [anmoQ>
2010-11
^mJ-II
H$m`m] Ama n[aMmbZm| H$s g_rjm
II.1 ~r_m Ama nwZ~r_m H$n{Z`m| H$m {d{Z`dZ:

II.1.1 `mnm[aH$ CYma ~r_m na {Xem {ZX}e Omar
`mnm[aH$ CYma ~r_m Ho$ ~mao _| {Xem{ZX}e Omar H$aZm, `mnm[aH$

CYma ~r_m, nM{bV AW`dWm Ho$ H$m\$s {ZH$Q>Vm go OwS>m hmoVm h,
{Oggo, Kaoby Ama AVam>r` ~mOma _| gwJ_Vm hmoVr h& O~ IarXma
dVwAm| Ama godmAm| Ho$ {bE ^wJVmZ H$aZo _| Ag\$b ahVm h Vmo `h
nm{bgrYmaH$m| H$mo j{Vny{V H$aVm h& Bg jo _| g_w{MV dX{Y H$mo
gwa{jV H$aZo Ho$ {bE, m{YH$aU Zo `mnm[aH$ CYma ~r_m Ho$ g~Y _|
{Xem {ZX}e Omar {H$`m& BZ {Xem{ZX}em| H$s _wI {deofVmE Bg
H$ma h:
{Xem {ZX}em| _| `mnm[aH$ CYma ~r_m go OwS>o {d{^ _Xm|, Ogo

IarXma, A{YH$V_ Xm{`d, CYma gr_m, {Xdm{b`mnZ,
\$Q>[aJ Am{X H$mo nm[a^m{fV {H$`m J`m h& Bg_| `mnm[aH$
CYma ~r_m nm{bgr Ho$ AVJV, gwajm H$m gma (H$mon) ^r
~Vm`m J`m h&
~r_m H$Vm mam Omar H$s OmZo dmbr H$moB ^r ""`mnm[aH$ CYma
~r_m nm{bgr"" \$mBb ES> `yO VWm CYma ~r_m {Xem{ZX}em| Ho$
AYrZ hmoJr &
{Xem-{ZX}em| _| `mnm[aH$ CYma ~r_m CnmX H$s AmYma^yV

Amd`H$VmE {d{Z{X> H$s JB h, {OZ_| `h ^r em{_b h {H$
nm{bgr YmaH$, A{Zdm`V: dVwAm| Ama godmAm| H$m Amny{VH$Vm
hmoZm Mm{hE Ama CgH$s hm{Z, `mnma go {_bZo dmbr am{e`m Z
{_bZo go hB &
{Xem{ZX}em| _| ~r_mH$Vm Ho$ n[ano` _| VWm nm{bgr YmaH$ Ho$

n[ano` go `mnm[aH$ CYma ~r_m H$s eV] ^r {d{Z[X> H$s JB
h, {OZ_| go _w`-_w` Bg H$ma h:
nm{bgr YmaH$ Ho$ "H${S>Q> naXrZog" H$mo AmH$Zo Ho$ {bE,

~r_mH$Vm EH$ Ho${S>Q> ~YZ EOogr {Z`w$ H$aoJm & EO|gr
H$m nm{bgrYmaH$ Ho$ gmW H$moB {hV {damoY Zhr hmoJm &
g^m{dV nm{bgr YmaH$ H$mo H$moB EH$ EH$b {d{e>
`mnm[aH$ CYma ~r_m-nm{bgr Zht ~oMr OmEJr &
H$moB ^r `mnm[aH$ CYma ~r_m, IarXma mam m` `mnma
am{e Ho$ 80 {VeV go AWdm {dH$o Vm mam JVdf dhZ
H$s JB bmJV Ho$ 90 {VeV go BZ_| go Omo ^r H$_ hmo,
go A{YH$ j{Vny{V H$s noeH$e Zht H$aoJm &
Bg dJ Ho$ H$mamo~ma Ho$ AH$Z Ho$ {bE ~r_mH$Vm Ho$ nmg, {ZXoeH$
_S>b mam AZw_mo{XV, gwn[a^m{fV AmV[aH$ Omo{I_ AH$Z,
Omo{I_ ~YH$ VWm Xmdm {ZnQ>mZ g~Yr {Xem-{ZX}e hmoZo
Mm{hE &
BZ {Xem {ZX}em| _o r{_`_ Xmdm|, AmB ~r EZ Ama VWm AmB ~r
EZ B Ama ma{jV {Z{Y`m| H$m {Z_mU, ~r_mH$Z AmYma na
{d{Z{X> hmoZm Mm{hE &
`mnma CYma Ho$ {bE ~r_m H$Vm H$m {Zdb {VYmaU, CgH$s
{Zdb gn{m`m| go, 2 {VeV go A{YH$ Zht hmoZm Mm{hE &
{Xem {ZX}em| _| Anojm H$s JB h {H$ `mnma CYma ~r_m H$m H$m`
H$aZo Ho$ {bE ~r_mH$Vm Ho$ nmg `mo`Vm m, AZw^dr Ama
{e{jV H$_Mmar hmoZo Mm{hE &
Bg H$mamo~ma Ho$ H$m` {ZnmXZ na {ZJamZr aIZo Ho$ {bE
m{YH$aU Zo {anmo{Q>J g~Yr AnojmE ^r {d{Z{X> H$s h &
ZE \o$_dH$ _| Anojm H$s JB h, {H$ ~r_mH$Vm, gemo{YV CnmXm| H$mo

"\$mBb ES> `yO" {Xem {ZX}em| VWm `mnma CYma {Xem{ZX}em| Ho$
AZwgma \$mBb H$a|
nm{bgr ~H$m|/{dmXmVmAm|/CYma XoZo dmbm| H$mo, AWdm

Ohm do Xmdo Ho$ EH$ bm^mWu hmo, AWdm Ohm Xmdo H$s aH$_
Ch| g_ZwXo{eV H$s OmVr h, Omar Zhr H$s Om gH$Vr &
II.1.2 EH$ OZdar 2009 go ^mdr nyddVu ewH$ H$daoO H$s
eVm] _| Ny>Q>:
`mnm[aH$ CYma ~r_m nm{bgr {H$gr {dHo$Vm H$mo, ""nyU

Q>Z Amoda AmYma na hr ~oMr Om gH$Vr h, òH$ IarXma
Ho$ {bE ~r_mH$Vm mam {ZYm[aV"" nyd-CYma-gr_mE
hm|Jr&
gmYmaU ~r_m CX`moJ Ho$ AewH$sH$aU Ho$ nMmV, m{YH$aJ mam

{b`m J`m, EH$ A` _wI {ZU` h - nyddVu ewH$ CnmXm| _| Ny>Q>
H$s AZw_{V XoZm. CnmXm| _| A{^ZdVm H$mo mogm{hV H$aZo Ama ~r_o
Ho$ \$bmd H$mo Ama ~T>mZo Ho$ AnZo `mgm| H$s lIbm _| ~r_m {d{Z`m_H$
{dH$mg m{YH$aU Zo 6 Zd~a 2010 Ho$ AnZo n[an Ho$ mam
~r_mH$VmAm| H$mo {ZZ{b{IV \$mgb H$aZo H$s AZw_{V XmZ H$s h:
~r_mH$Vm, A{Zdm`V: CZ IarXmam| H$s CYma Omo{I_

H$m AmH$bZ ^r H$aoJm, {OZH$m Hw$b Q>Z Amoda _o, 2
{VeV go A{YH$ H$m `moJXmZ h &
òH$ ''`mnm[aH$ CYma H$s gmI `mo`Vm AmH${bV

H$aZo Ho$ {bE EH$ gmI ~YZ EO|gr {Z`w$ H$aoJm&
61
ewH$m| _| {ZYm[aV `dH$bZr`m| ({S>S>pQ>g) _| {d{^VmE
dm{fH$ [anmoQ>
2010-11
nyddVv ewH$ H$dg H$s gr_mAm| go A{YH$ ZE ES>-AmZ

H$dg &
II.1.3 EopN>H$ nwZ~r_m WmZZm| (bog_Qg) Ho$ {bE AZwnmbZ

[anmoQ> nVwV H$aZm
Mb/nmoQ>}~b CnH$aUm| Ho$ {bE BOrZr`[aJ ~r_m H$daoO H$m

{dVma &
df 2008-09 Ho$ {bE H$n{Z`m| Ho$ nwZ~r_m H$s g_rjm H$a Ho$,
m{YH$aU Zo, g^r Ja-OrdZ-~r_m H$n{Z`m| H$mo gy{MV {H$`m {H$ do
A-Wm{ZV nw Z ~u_m, nhbo A` ^maVr` ~r_mH$Vm A m| Am a
nwZ~u_mH$VmAm| H$mo Vm{dV H$a|, Ama CgHo$ ~mX hr {dXoe _| Vm{dV
H$a| BgHo$ AZwnmbZ na {ZJamZr aIZo Ho$ {bE, m{YH$aU Zo, H$n{Z`m|
go N>_mhr [anmoQ> _mJr h, {Og_| H$n{Z`m| mam EopN>H$ WmZZm| Ho$
{ddaU {XE OmZo h &
Ammo{JH$ gd Omo{I_ (AmBEAma) nm{b{g`m| Ho$ {bE 100

H$amoS> nE H$s `yZV_ Hw$b ~r{_V am{e gr_m hQ>mZm Ama
gmW hr noQ>mo agm`Z CX`moJ Ho$ {bE ^r, AmBEAma H$da H$s
AZw_{V XmZ H$s JB h &
dV_mZ ewH$m| Ho$ AVJV_mZ H$dg Ho$ H$mon H$mo, {d[^ dJm] _|
AZw_V {dH$nm| go nao Ama g[j Zht {H$`m Om gH$Vm Ama Eogm
H$moB ^r Vm{dV Z`m H$da E\$ ES> `y" {Xem{ZX}em| Ho$ AJV ~r_m
{dZ`m_H$ {dH$mg m{YH$aU Ho$ nmg \$mBb H$aZo Ho$ AYrZ hmoJm&
_mZXS>m| _| BZ Ny>Q>m| go, Z Ho$db JmhH$m| H$mo bm^ hmoJm, ~pH$ gmW hr
H$n{Z`m| H$mo AnZr noeH$em| H$m, Ama A{YH$ `mnH$ ~ZmZo H$s AZw_{V
{_boJr, {d{^ JmhH$m| H$mo CZH$s _mJ Ho$ AZwgma CnmX V`ma H$a
noe H$aZo _| gw{dYm hmoJm Ama Omo{I_/CmoJ {d{e> H$da {S>OmBZ
H$aZo _| _XX {_boJr& AmO VH$ ~r_m {d{Z`m_H$ {dH$mg m{YH$aU Zo
{d{^ ~r_mH$VmAm| Ho$ A{, BOrZr`[aJ VWm _moQ>a KQ>H$m| Ho$ AVJV
AmZodmbo 75 go A{YH$ CnmXm| Ho$ {bE ZE ''ES>-AmZ-H$dg' Ho$
{bE AZw_{V XmZ H$s h &
~r_mH$Vm
mBdoQ>
EbAmBgr
CmoJ
II.2. ~r_m H$mamo~ma Ho$ gmW OwS>o _`dVu bmoJ ~r_m EO|Q>
~r_m EOoQ>
II.2.1 df 2010-11 Ho$ XmamZ, `{$JV EO|Q>m| H$s g`m 11.37
{VeV KQ>r & 31 _mM 2010 H$mo BZH$s g`m 29.78 bmI Wr
Omo 31 _mM 2011 H$mo KQ> H$a 26.39 bmI ah JB& Ohm mBdoQ>
~r_mH$VmAm| _| 17.34 {VeV H$s {JamdQ> XO H$s JB, dht ^maVr`
OrdZ ~r_m {ZJ_ _| 4.69 {VeV H$s [amdQ> XO H$s JB & ^maVr`
OrdZ ~r_mH$VmAm| Ho$ Hw$b `{$JV EO|Q>m| H$s g`m go ^maVr`
OrdZ ~r_m {ZJ_ Ho$ `{$JV EO|Q>m| H$s g`m A{YH$ h. df Ho$ AV
_| Eb AmB gr Ho$ EO|Q>m| H$s g`m 13.37 bmI Wr O~{H$ mBdoQ>
jo _| ~r_mH$VmAm| Ho$ EO|Q>m| H$s g`m 13.02 bmI Wr&
Vm{bH$m II.1
`{$JV EoO|Q>m| H$m {ddaU : OrdZ ~r_mH$Vm
1 Ab 2010
2010-11 Ho$
df 2010-11 Ho$
H$s pW{V
XmamZ Ama OwS>o
XmamZ KQ>o
1575476
1402807
2978283
395467
306296
701763
668615
372039
1040654
31 _mM 2011 H$s

pW{V
1302328
1337064
2639392
II.2.2 AmH$S>mo H$mo XoIZo go qMVm H$m Omo _wXXm Câm h dh h -
II.2.3 gdW_ Vmo `h 'OrdZ-~r_mH$VmAm|' H$s {dmr` pW{V na
EO|Q>m| Ho$ Q>Z Amoda H$m C {VeV & df 2010-11 _| Ohm {Z`w$
{H$E JE EO|Q>m| H$s g`m 7.02 bmI Wr dht hQ>mò Jò EO|Q>m| H$s
g`m 10.40 bmI Wr, OrdZ ~r_m {ZJ_ H$s VwbZm _| mBdoQ>
~r_mH$VmAm| H$s hmbV Ama ^r Iam~ Wr, mBdoQ> ~r_mH$VmAm| Zo
3.95 bmI EO|Q> {Z`w$ {H$E Ama 6.68 bmI EO|Q>m| H$s godmE
g_m H$s Xygar Amoa ^maVr` OrdZ ~r_m {ZJ_ Zo 3.72 bmI EO|Q>m|
H$s godmE g_m H$s O~{H$ 3.06 bmI EO|Q> {Z`w$ {H$E & Bg ~S>r
g`m go H$m\$s ZH$mam_H$ n[aUm_ {ZH$b gH$Vo h &
~moB S>mbZo dmbm H$maH$ h, `m|{H$ Ch| EO|Q>m| H$s ImoO, {Z`w{$ Ama
{ejU na ^mar ngm IM H$aZm nS>Vm h, Xygao BZ EO|Q>m| H$s godm
g_m{ na, BZHo$ mam bmB JB nm{b{g`m AZmW hmo OmVr h Ama BZ
nm{b{g`m| H$mo H$moB g{dg Z {_bZo Ho$ H$maU AH$ga `| bg hmo OmVr
h& Vrgao, EO|gr `dgm` H$s N>{d ^r Iam~ hmoVr h `m|{H$ Am_
OZVm VWm {deofH$a ^mdr EO|Q> Bgo ApWaVm H$m gyMH$ _mZZo bJVo
h Ama Bgr dOh go ~r_mH$VmAm| H$mo AN>o EO|Q> ImoOZm _wpH$b hmo
OmVm h& Bg{bE, `h g^r Q>oH$ hmoS>g Ho$ {hV _| hr hmoJm {H$ do
EO|Q>m| Ho$ Q>Z Amoda H$mo KQ>mZo H$s {Xem _| H$m` H$a|&
62
dm{fH$ [anmoQ>
2010-11
Vm{bH$m II.2
H$mamonmoaoQ> EO|Q>m| H$m {ddaU : OrdZ ~r_mH$Vm
1 Ab 2010
2010-11 Ho$
df 2010-11 Ho$
H$s pW{V
XmamZ Ama OwS>o
XmamZ KQ>o
~r_mH$Vm
mBdoQ>
EbAmBgr
Hw$b
2420
510
2930
1919
16
1935
31 _mM 2011 H$s

pW{V
2469
231
2700
II.2.4 31 _mM 2011 H$mo 2,165 H$manmoaQo > EO|Q> Wo & Ohm 2010-
1870
295
2165
XmamZ ~T> H$a, 16.86 {VeV hmo J`m. {d{^ H$manmoaoQ> MZbm| _|
go, Hw$N> ZE H$mamo~ma Omo{I_ AH$Z _|, ~H$m| H$m {hgm 2009-10
Ho$ 10.60 {VeV go ~T> H$a 2010-11 _| 13.30 n{VeV hmo
J`m &
11 Ho$ XmamZ 1,935 ZE EO|Q> OmoS>o JE dht 2700 H$manmoàoQ>

EO|Q>m| Ho$ bmBg|g aXX H$a {XE JE. OrdZ ~r_m {ZJ_ Zo 231 H$manmoaQo >
EO|Q>m| H$s godmE g_m H$s Ama CgH$s VwbZm _| 16 ZB ^{V`m H$s
{ZOr ~r_mH$VmAm| Zo 2,469 EO|Q>m| H$s godm g_m H$s, O~{H$ 1,919
ZE H$manmoaoQ> EO|Q>m| H$s âVr H$s&
II.2.6 `{$JV ZE H$mamo~ma _| grYr {~H$s Ho$ {hgo _| {JamdQ> AmB
h & BgH$m {hgm 2009-10 Ho$ 4.13 {VeV go KQ> H$a 201011 go 2.42 {VeV ah J`m h & Ohm mBdoQ> ~r_mH$VmAm| Zo grYr
{~H$s Ho$ O[aE 6.43 {VeV Z`m H$mamo~ma {H$`m, dhr OrdZ ~r_m
{ZJ_ Zo, Bg _m`_ Ho$ O[aE Ho$db 0.11 {VeV H$mamo~ma {H$`m &
MZb dma ZE H$mamo~ma H$m H$m` {ZnmXZ

`{$JV Z`m H$mamo~ma
II.2.5 hmb Ho$ dfmo _|, `{$JV EO|gr MZb Ho$ H$m` H$s _mm Hw$N>
II.2.7 {ZOr OrdZ ~r_mH$VmAm| mam m {H$E JE ZE H$mamo~ma
KQ>r h& `{$JV EO|Q>m| Ho$ _m`_ go m {H$`m J`m Z`m H$mamo~ma
r{_`_ df 2010-11 _| KQ> H$a 78.95 {VeV ah J`m O~{H$
{nN>bo df Ho$ XmamZ `h 79.61 {VeV Wm& H$manmoaoQ> EO|Q>m| H$m
{hgm Omo {H$ 2008-09 Ho$ XmamZ, 14.55 {VeV Wm Ama
2009-10 Ho$ XmamZ 14.87 {VeV Wm, dh df 2010-11 Ho$
r{_`_ _|, H$manmoaoQ> EO|Q>m| H$m {hgm H$m\$s _hdnyU ahm Ama `h
2009-10 Ho$ 35.14 {VeV H$s VwbZm _o, 2010-11 _| 41.61
{VeV hmo J`m & Xygar Amoa OrdZ ~r_m {ZJ_ H$m 97.45 {VeV
Z`m H$mamo~ma r{_`_ `{$JV EO|Q>m| go Am`m &
Vm{bH$m II.3
df 2010-11 hoVw OrdZ ~r_mH$VmAm| Ho$ `{$JV ZE H$mamo~ma H$m {ZnmXZ - MZb dma
~r_mH$Vm
`{$JV
EoO|Q>
H$manmoaoQ>
EO|Q>
~H$
mBdoQ>
EbAmBgr #
Hw$b
46.89
97.45
78.95
33.21
1.81
13.30
~moH$g
grYr
{~H$s
(AmH$S>o {VeV _|)

Hw$b `{$JV
_mJXeH$
Z`m H$mao~ma
(ao\$ag)
A`*
8.70
0.59
3.56
4.77
0.04
1.77
*~H$m| H$mo N>moS> A` gWm, naVw {Ogo H$manmoaoQ> EO|Q> H$m bmBg|g {_bm h.
# Bg_| BgH$m {dXoer Z`m H$mamo~ma r{_`_ em{_b Zhr h
{Q>nUr:
1) ZE H$mamo~ma r{_`_ _|, W_ df H$m r{_`_ Ama EH$b r{_`_ em{_b h.
2) _mJXeH$ `dWAm| Ho$ O[aE m brS>g Ho$ g~{YV MZbm| _| e{_b {H$`m J`m h.
63
6.43
0.11
2.42
100.00
100.00
100.00
2.34
0.23
1.01
dm{fH$ [anmoQ>
2010-11
MmQ> II.1
OrdZ ~r_mH$VmAm| H$m `{$JV Z`m H$mamo~ma r{_`-MZbdma
100.00
80.00
({VeV _|)
mBdoQ>
EbAmBgr #
60.00
Hw$b
40.00
20.00
0.00
H$manmoaQ>
EOoQ>g
`{$JV
EOoQ>g
H$manmoaQ> EOoQ>g
A`
~moH$g
grYr {dH$s
# Bg_| BgH$m {dXoemr Z`m H$mamo~ma r{_`_ em{_b Zhr h.
gm_y{hH$ Z`m H$mamo~ma
mBdoQ> ~r_m H$n{Z`m| Zo, Bg MZb Ho$ _m`_ go Ho$db 0.96 {VeV
H$m H$mamo~ma {H$`m & mBdoQ> ~r_m H$VmAm| H$m A` _hdnyU MZb
~H$ Wm, df 2010-11 Ho$ XmamZ ~H$ E`moag
| Zo, mBdoQ> ~r_mH$VmAm|
Ho$ Hw$b gm_y{hH$ H$mamo~ma _| 11.51 {VeV H$m `moJXmZ {X`m & Hw$b
gm_y{hH$ H$mamo~ma _| ~H$ E`moa|g H$m {hgm ~T> H$a 11.51 {VeV
hmo J`m, Omo {H$ {nN>bo df 8.67 {VeV Wm &
II.2.8 gm_y{hH$ H$mamo~ma Ho$ {bE grYr {~H$s, {dVaU H$m _wI
MZb ahm Ama 2010-11 _| BgH$m {hgm 82.26 n{VeV ahm

O~{H$ JVdf _| BgH$m VXZwnr {hgm 89.34 {VeV Wm& Ohm
^maVr` OrdZ ~r_m {ZJ_ Zo gm_y{hH$ H$mamo~ma H$m 6.84 {VeV
{hgm AnZr nman[aH$ `{$JV EO|{g`m| Ho$ _m`_ go {H$`m dht
~r_mH$Vm
mBdoQ>
EbAmBgr #
Hw$b
Vm{bH$m II.4
df 2010-11 hoVw OrdZ ~r_mH$VmAm| Ho$ gm_y{hH$ ZE H$mamo~ma H$m H$m` {ZnmXZ: MZbdma
(AmH$S>o {VeV _|)
`{$JV
H$manmoaoQ>
~moH$g
grYr
Hw$b `{$JV
_mJXeH$
EoO|Q>
EO|Q>
{~H$s
Z`m H$mao~ma
ao\$ag
~H$
A`*
0.96
6.84
5.63
11.51
0.88
3.08
2.91
0.18
0.74
2.36
0.01
0.49
*~H$m| H$mo N>moS> H$a A` gWm, naVw {Ogo H$manmoaoQ> EO|Q> H$m bmBg|g {_bm h.
# Bg_| BgH$m {dXoer Z`m H$mamo~ma r{_`_ em{_b Zhr h.
{Q>nUr:
2) _mJXeH$ `dWmAm| Ho$ O[aE m brS>g H$mo, g~{YV MZbm| _o em{_b {H$`m J`m h.
64
82.26
92.09
90.06
100.00
100.00
100.00
0.44
0.00
0.09
dm{fH$ [anmoQ>
2010-11
MmQ> II.2
OrdZ ~r_mH$VmAm| H$m gm_y{hH$ Z`m H$mamo~ma r{_`_ - MbZ dma
100.00
90.00
80.00
({VeV _|)
70.00
60.00
mBdoQ>
50.00
EbAmBgr #
Hw$b
40.00
30.00
20.00
10.00
0.00
H$manmoaQ>
EOoQ>g
`{$JV
EOoQ>g
H$manmoaQ> EOoQ>g
A`
~moH$g
grYr {dH$s
# Bg_| BgH$m {dXoer Z`m H$mao~ma r{_`_ em{_b Zhr h
`{$JV Ama gm_y{hH$ H$mamo~ma H$m `moJ
{JamdQ> AmB& JV df H$s VwbZm _| {Og MZb Zo _wI dX{Y XO H$s

dh Wm - "grYr {~H$s" & Bg _m`_ Zo, 2010-11 _| hE Hw$b ZE
H$mamo~ma _|, 32.36 {VeV H$m `moJXmZ {X`m, O~{H$ 2009-10
_|, `h {VeV 25.73 Wm &
II.2.9 `{$JV EO|Q>, Z`m ~r_m H$mamo~ma m H$aZo _|, EH$ _wI
^y{_H$m {Z^mVo Am aho h. Hw$b {_bm H$a (`{$JV Ama gm_y{hH$

H$mamo~ma H$mo {_bm H$a) EO|Q>mo Zo Hw$b ZE H$mamo~ma _|, 53.90 {VeV
H$m `moJXmZ {X`m, VWm{n 2009-10 Ho$ 60.90 {VeV go Bg_|
Vm{bH$m II.5
df 2010-11 hoVw OrdZ ~r_mH$VmAm| Ho$ ZE H$mamo~ma r{_`_
(`{$JV Ama gm_y{hH$) H$m H$m` {ZnmXZ - MZbdma
~r_mH$Vm
`{$JV
EoO|Q>
H$manmoaoQ>
EO|Q>
~H$
mBdoQ>
EbAmB gr #
Hw$b
36.48
61.79
53.90
28.29
1.44
9.81
~moH$g
grYr
{~H$s
4.22
0.03
1.33
23.62
36.32
32.36
(AmH$S>o {VeV _|)

Hw$b `{$JV
_mJXeH$
Z`m H$mao~ma
ao\$ag
A`*
7.39
0.42
2.59
*~H$m| H$mo N>moS> H$a A` gWm, naVw {Ogo H$manmoaoQ> EO|Q> H$m bmBg|g {_bm h.
# Bg_| BgH$m {dXoer Z`m H$mamo~ma r{_`_ em{_b Zhr h.
{Q>nUr:
2) _mJXeH$ `dWmAm| Ho$ O[aE m brS>g H$mo, g~{YV MZbm| _o em{_b {H$`m J`m h.
65
100.00
100.00
100.00
1.91
0.14
0.69
dm{fH$ [anmoQ>
2010-11
MmQ> II.3
OrdZ ~r_mH$VmAm| H$m Z`m H$mao~ma r{_`_
(`{$JV Ama gm_y{hH$)
70.00
60.00
({VeV _|)
50.00
mgdoQ>
40.00
EbAmBgr #
Hw$b
30.00
20.00
10.00
0.00
`{$JV
EOoQ>g
H$manmoaQ>
EOoQ>g
H$manmoaQ> EOoQ>g
A`
~moH$g
grYr {dH$s
# Bg_| BgH$m {dXoer Z`m H$mao~ma r{_`_ em{_b Zhr h
gd}jH$ Ama j{V-{ZYmaH$
Vm{bH$m II.6
gd}jH$m| Ama j{V{ZYmaH$m| H$mo Omar bmBg|gm| H$s g`m
Ab 2010 go
Ab 2011 go
_mM 2011 VH$
OyZ 2011 VH$
ZE bmBg|g
`{$JV
253
34
H$manmoaoQ>
34
7
II.2.10 m{YH$aU ~r_m A{Y{Z`_, 1938 Ho$ n[aN>oX 64`y E_ Ho$
AZwgma, gd}jH$m| Ama j{V {ZYmaH$m| H$mo, bmBg|g Omar H$aVm h &
`{X H$moB `{$, H$nZr, AWdm \$_ gd}jH$ AWdm j{V-{ZYmaH$
~ZZm MmhVm h Vmo Cgo Bg `moOZ Ho$ {bE {ZYm[aV \$m_}Q> _|,
m{YH$aU H$mo AmdoXZ H$aZm hmoJm& ~r_m gd}jH$ Ama j{V-{ZYmaH$
~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU {d{Z`m_Z 2000 _| {XE JE
AZwkm{, `mdgm{`H$ Amd`$mAm| H$s ny{V Ama n[aX Ho$ H$moS> Ho$
{Z`_mdbr Ho$ AZwgma AZwkm{ H$mo m H$aZo Ho$ {bE {ZdoXZ H$a
gH$Vo h &
ZdrH$aU
`{$JV
H$manmoaQ>
{ejw Zm_mH$Z
II.2.11 {dmr` df 2010-11 Ho$ XmamZ m{YH$aU Zo, 636 AmdoXZ
H$VmAm| H$mo {eew gd}jH$m| Ho$ n _| Zm_m{H$V {H$`m Ama `mhm[aH$

{ejU nyam H$aZo VWm Ano{jV narjmE nmg H$aZo na, {ejw gd}jH$m|
H$mo 253 ZdrZ bmBg|g Omar {H$E, m{YH$aU Zo, g^r {d{Z`m_H$
AnojmE nyar H$aZo Ho$ nMmV, {dmr` df 2010-11 Ho$ XmamZ,
1,371 bmBg|gm| H$m ZdrH$aU {H$`m BgHo$ A{V[a$, 2011-12
H$s W_ {V_mhr _| 403 ZdrH$aU Omar {H$E JE h &
1371
67
403
8
636
168
II.2.12 ~r_m gd}jH$ Ama j{V{ZYmaH$ (bmBg|qgJ, `mdgm{`H$
AnojmE VWm AmMaU g{hV) {d{Z`_, 2000 Ho$ {d{Z`_ 11 Ho$

AZwgaU _|, m{YH$aU Zo 20 {gV~a 2011 Ho$ AnZo AmXoe mam
EH$ ""gd}jH$ Ama j{V {ZYmaH$ g{_{V"" H$m JR>Z {H$`m h. Bg
g{_{V _| m{YH$aU J a OrdZ ~r_m Cmo J , gd} j H$m| , VWm
nm{bgrYmaH$m| Ho$ {V{Z{Y em{_b h&
66
dm{fH$ [anmoQ>
2010-11
II.2.13 g{_{V H$s g_`md{Y, AnZo JR>Z H$s VmarI go VrZ df h
II.3.2 {ZZ{b{IV Vm{bH$m _|, df 2010-11 Ho$ XmamZ {ZnQ>mB
Ama `h ""~r_m gd}jH$ Ama j{V{ZYmaH$ (bmBg|qgJ, `mdgm{`H$

AnojmE VWm AmMaU g{hVm) {d{Z`_ 2000 Ho$ {d{Z`_, 12 _|
gX{^V H$m`m] H$m `moJ H$aoJr VWm m{YH$aU H$mo, {d^mJm| Ho$ {V~Ym|
H$mo hQ>mZo Ho$ H$m`md`Z, VWm bmBg|g m gd}jH$m| Ho$ dJm] H$mo
AnJoS> H$aZo, go g~{YV nam_e XoJr &
JB/Im[aO, `m{MH$mAm|/H$aUm| H$m {ddaU {X`m J`m h:

Vm{bH$m II.9
`{MH$mE/H$aU {ZnQ>mE JE/Im[aO {H$E JE
~r.{d.{d.ma.* ~r.{d.{d.m.H$mo
H$mo {ZX}e Ho$ gmW {ZX}e Ho$ {~Zm
II.2.14 df 2010-11 _|, m{YH$aU H$mo, gd}jH$m| Ama j{V

{ZYmaH$m| go g~{YV {eH$m`Vm| Ho$, 112 _m_bo m hE {OZ_| go
108 _m_bm| na H$madmB H$s JB &
{deof AdH$me `m{MH$m

(EgEbnr)
{ZnQ>mB JB/Im[aO H$s JB
g_mXoe `m{MH$mE
g_mXoe Anrb|/bQ>g noQ>| Anrb|
gr_jm/nwZ: WmnZ `m{MH$mE
Ad_mZZm `m{MH$mE
Cn^mo$m _m_bo
XrdmZr _m_bo
{ZnQ>mE JB/Im[aO {H$E JE
E_EgrQ>r/E_Ama
Q>rnr/bmoH$ AXmbV H$aU
Hw$b:
Vm{bH$m II.7
gd}jH$m| Ama j{V{ZYmaH$m| go g~{YV {eH$m`V|
{ZZ{b{IV Ad{Y Ho$ {bE
m
H$madmB H$s JB
Ab 2010-_mM 2011
112
108
Ab 2011-OyZ 2011
20
18
II.2.15 bmBg|g (ZE Ama ZdrH$aU) XmZ H$aZo hoVw, AmdoXZ nm|
H$s Vw{V _| AmZ bmBZ gw{dYm XmZ H$aZo VWm bmBg|g XoZo H$s
{H$`m _| bJZo dmbo, g_` _| H$_r bmZo Ho$ CXXo` go, m{YH$aU,
''EH$sH$V gd}jH$ bmBg|grH$aU n~YZ Umbr (AmB Eg Eb E_
Eg)"" Zm_H$ EH$ gmQ> doà Ho$ H$m`md`Z H$s {H$`m _| h&
II.3 _wH$X_o, Anrb VWm `m`mb`m| Ho$ \$gbo
II.3.1 _mZZr` gdmo `m`mb` _mZZr` {d{^ C `m`mb`m|,
Cn^mo$m `m`mb`m| XrdmZr AXmbVm|, _moQ>a XwKQ>Zm Xmdm {Q>`yZm|

(E_EgrQ>r), VWm bmoH$ AXmbV Ho$ g_j, Ab 2010 go _mM
2011 H$s Ad{Y _| \$mBb H$aUm| go g~{YV _wH$X_m| VWm Bg
Ad{Y _| {ZnQ>mE JE/Im[aO {H$E JE H$aUm| H$m {ddaU ZrMo {X`m
J`m h &
Vm{bH$m II.8
\$mBb {H$E JE H$aUm| H$m {ddaU
{ddaU
H$aUm| H$s g`m
- _mZZr` gdm}` `m`mb` _| \$mBb H$aU
2
- _mZZr` {d{^Z C `m`mb`m| _|
\$mBb g_mXoe ({aQ>) `m{MH$mE
37
- _mZZr` {d{^ C `m`mb`m| _|
\$mBb H$s JB g_mXoe Anrb|/ bQ>g noQ>|Q> Anrbo
2
- _mZ{Z` {d{^ C `m`mb`m| _|
\$mBb H$s JB g_rjm/nwZ: WmnZ `m{MH$mE
0
- _mZZr` {d{^ C `m`mb`m| _|
- \$mBb H$s JB Ad_mZZm `m{MH$mE
2
- \$mBb {H$E JE Cn^mo$m H$aU
17
- \$mBb {H$E JE XrdmZr _m_bo
4
- \$mBb {H$E JE bmoH$ AXmbV H$aU
4
Hw$b
65
26
0
6
0
29
II.3.3 Xmo g_mXoe `m{MH$mAm| _| ~r_m {d{Z`m_H$ {dH$mg m{YH$aU
H$mo {ZX}e {X`m J`m {H$ Xmo gX`m| H$s EH$ g{_{V ~Zm H$a, '~moH$a
bmBg|g ZdrH$aU Ho$ _m_bo H$mo {\$a go XoI|& EH$ g_mXoe `m{MH$m _|,
`m`mb` Zo, ~r_m {d{Z`m_H$ {dH$mg m{YH$aU H$mo {ZX}e {X`m {H$
dh CgHo$ g_j \$mBb {H$E JE A`doXZm| H$m {ZnQ>mZ H$ao & Xmo
g_mXoe `m{MH$mAm| _|, `m`mb` Zo, ~r_m {d{Z`m_H$ {dH$mg m{YH$aU
H$mo {ZX}e {X`m {H$ dh, {d{Y Ho$ AZwgma, ~moH$a Ho$ {Ibm\$ AmJo
H$madmB H$a| & ZH$Xa{hV (H$ebg) gw{dYmAm| go g~{YV EH$ A`
_m_bo _|, `m`mb` Zo ~r_m {d{Z`m_H$ {dH$mg m{YH$aU H$mo `h
gw{ZpMV H$aZo Ho$ {ZX}e {XE {H$ nm{bgr YmaH$m| Ho$ {hVm| H$s gwajm
H$s OmVr h &
df 2010-11 Ho$ XmamZ nm[aV {H$E JE _hdnyU AmXoe
II.3.4 A` H$B H$aUm| Ho$ gmW _mZZr` Ho$ab C `m`mb` _|
\$mBb H$s JB g_mXoe `m{MH$m (gr) g. 13288/2011 VWm

A` H$B H$aUm| Ho$ gmW _mZZr` _mg C `m`b` _| \$mBb
H$s JB g_mXoe `m{MH$m g. 10908/2011
~r_m {d{Z`m_H$ {dH$mg m{YH$aU H$s {XZmH$ 15 Anb
2010 H$s
A{YgyMZm g. AmBAmaS>rE/EZEb/EZQ>rE\$EZ/E_AmoQ>rnr/066/
04/2011 H$mo MwZmVr XoVo hE _mZZr` Ho$ab VWm _mg C
`m`mb`m| Ho$ g_j g_mXoe `m{MH$mE Xmà H$s JB m{YH$aU Zo,
C$ A{YgyMZm, ~r_m {d{Z`m_H$ {dH$mg m{YH$aU A{Y{Z`_, 1999
Ho$ n[aoY 14(2) Ho$ AVJV Xr JB e{$`m| Ho$ `moJ _| Omar H$s Wr
Ama BgHo$ mam, {XZmH$ 25, Ab 2011 go, _moQ>a VVr` njH$ma
~r_m r{_`_ _| gemoYZ {H$`m J`m Wm&
EbnrE: bQ>g noQ>|Q> Anrb

67
dm{fH$ [anmoQ>
AmXoe: _mZZr` _mg Ama Ho$ab C `m`mb`m| Zo H$_e: {XZmH$
14 OyZ 2011 VWm 22 OyZ 2011 Ho$ AnZo AmXoem| _|, `m{MH$mAm|
H$mo Im[aO H$a {X`m Ama ~r_m {d{Z`m_H$ {dH$mg m{YH$aU H$s
A{YgyMZm H$mo ~hmb aIm& _mg C `m`mb` _| Xm{Ib g_mXoe
Anrbm| H$mo ^r, {S>drOZ ~|M Zo, {XZmH$ 14 OwbmB 2011 Ho$ AnZo
AmXoe mam, Im[aO H$a {X`m & _mZZr` Ho$ab C `m`mb` Zo, A~
A{Ygy{MV Xam| H$s, Am{M`Vm Ama YmaUr`Vm H$mo XoIm & W_V:
Bg ~mV H$mo `mZ _| aIm OmE {H$ ~r_m {d{Z`m_H$ {dH$mg m{YH$aU
Bg g~Y _|, EH$ ""{deofk"" {ZH$m` h {OgZo {H$ MMmAm| Ho$ H$B
Xmam| Ho$ ~mX/g~{YV njm| mam CR>mB JB Amn{m`m|/{XEJò gwPmd
Ama AZwegmAm| na {dMma H$aHo$, dmV{dH$ V`m| Ama AmH$S>mo Ho$
gX^ _|, EH$ g~Y _| ''m{YH$aU"" H$s ""gmdYm{ZH$ ~YVm"" AWdm
CgH$s "{deofkVm" Ho$ `` n (H$sS>opeÒ) H$mo H$moB MwZmVr
Zhr h, Xa| nQ>V: gJV nam_rQ>a na AmYm[aV h& BgHo$ A{V[a{$
A{V_ gemoYZ 2007 _| {H$`m J`m Wm Ama A~ bmJV|, m`: ha jo
_| H$m\$s ~T> MwH$s h, {OZ_| ~r_m H$m jo ^r em{_b h& Bgr H$ma
VVr` njH$ma Xmdm| _|, ~r_mH$VmAm| na S>mbo JE Xm{`d H$s gr_m _|
~T>moVar, CMVa JwUH$ (_Q>rbrH|$S>) AnZmZo, Ho$ H$maU {OZH$s
dOh go _moQ>a XwKQ>Zm Xmdm {Qy>`yZbm| mam CVa {ZU` {XE JE,
VWm _mZZr` C `m`mb`m| mam Anrbm| _| gwZmE JE \$gbm| _| VWm
Cn`w$ _m_bm| _| _mZZr` gdm}` `m`b` mam ^r am{e _| dX{Y
XmZ H$aZo Ho$ H$maU H$s JB &
2010-11
~r_m (Ho$db Xo`Vm nm{bgr) Ho$ Vmd \$m_ _| gemoYZ H$aVo g_`,
{XZmH$ 28 OyZ 2010 Ho$ AnZo n[an g. AmBAmaS>rE/EZEb/
E\$ES>`/
y grAmBAma/E_AmBEggr/101/06/2010 mam ""Ho$db
Xo`Vm nm{bgr Ho$ _mZH$ VmdZm \$m_ Ho$ nam 28 (A{Zdm` dm_r
S>mBda-`{$JV XwKQ>Zm ~r_m gwajm) VWm nam 29, ({OZHo$ Zm_ h
CZHo$ {bE `{$JV XwKQ>Zm ~r_m gwajm) _| Zm_mH$Z H$m mdYmZ
{H$`m & `m{MH$m H$Vm Zo Bg n[an H$m hdmbm {X`m {Og_| Zm_mH$Z
H$m mdYmZ {H$`m J`m h &
AmXoe: _mZZr` C `m`mb` Zo, ~r_m {d{Z`m_H$, {dH$mg m{YH$aU
Ho$ {XZmH$ 28 OyZ 2010 Ho$ n[an g.AmBAma.S>r.E/EZ,Eb/
E\$ES>`/
y grAmBAma/E_ AmB Eg gr/101/06/2010 H$m gkmZ
boVo hE ~r_m {d{Z`m_H$ {dH$mg m{YH$aU H$mo {ZX}e {X`m {H$ ""Ho$db
Xo`Vm"" nm{bgr _| CnbY Zm_mH$Z H$m mdYmZ _moQ>a nHo$O nm{bgr
_| ^r XmZ {H$`m OmE &
II 3.6 {deof AdH$me `m{MH$m (gr) g. 14326/11-~r_m
{d{Z`m_H$ {dH$mg nm{YH$aU VWm A` ~Zm_ {d{bg B{S>`m
B`moa|g ~moH$g m.{b. VWm A`-_mZZr` gdm} `m`mb` Ho$
g_wI:
~r_m Xbmb Ho$ n _o H$m` H$aZo Ho$ {bE bmBg|g boZo/bmBg|g Ho$
ZdrH$aU hoVw AmdoXZ H$aVo g_`, AmdoXH$ H$mo, ~r_m {d{Z`m_H$
{dH$mg m{YH$aU (~r_m ~moH$g) {d{Z`m_dbr Ho$ {d{Z`_m| 6,9,
VWm 13 Ho$ gmW n{R>V \$m_ "E' H$s _X g. 5.1 Ho$ AZwgma, _hdnyU
V`m| H$m H$Q>Z H$aZm Oar hmoVm h & {d{bg B{S>`m Bàmog
~moH$g m.{b. ({d{bg) H$mo nhbo, 3 Anb 2003 H$mo VrZ df H$s
Ad{Y Ho$ {bE "gnw{Q>V ~moH$a bmBg|g" Omar {H$`m J`m & ~mX _|
bmBg|g, 3 Ama df H$s Ad{Y (4 Ab 2006 go 3 Ab 2009)
Ho$ {bE ZdrH$V {H$`m J`m& VWm{n, ^maVr` {Z`mV F$U JmaQ>r {ZJ_
VWm ~rEgrEgnrEb ({d{bg Ho$ eoà YmaH$) Ho$ ~rM, {H$gr am{e H$s
Ja-AXm`Jr Ho$ ~mao _| {ddmX Cn hmo J`m, {OgH$m H$Q>Z 2006
_o AmdoXZ n Ho$ ZdrH$aU Ho$ g_`, m{YH$aU H$mo Zht {H$`m J`m
Wm &
AVV: _mZZr` Ho$ab C `m`b` _| 22 OyZ 2011 Ho$ AnZo

AmXoe _| A{YgyMZm H$mo ~aH$ama aIm Ama g_mXoe `m{MH$mAm| H$mo
Im[aO H$a {X`m Ama `h {Q>nUr H$s {H$ _moQ>a VVr` njH$ma ~r_m
r{_`_ _| dX{Y H$s gr_m V` H$aZo H$m H$m_, {dewXY n _|, {deofk
gWm H$m h {OgZo {H$, Bgo A{V_ n XoZo go nhbo, g~ H$ma H$s
g~{YV gm_Jr Ama {d{^ njH$mam| go m Amn{`m|/{g\$m[ae| na
H$m\$s JhZ {dMma {H$`m Bgo EH$ ''Zr{VJV {ZU`"" _mZm OmZm h
{OgH$m A{VH$_U `h `m`b` Zht H$a gH$Vm &
_mZZr` _mg C `m`mb` Zo {XZmH$ 14 OyZ 2011 Ho$ AnZo
AmXoe _| g_mXoe `m{MH$m H$mo Im[aO H$aVo hE {Q>nUr H$s {H$ ~r_m
{d{Z`m_H$ {dH$mg m{YH$aU mam Omar A{YgyMZm, Vm{H$H$ dJrH$aU
na AmYm[aV h, {ddoH$ g_V h VWm Q>oH$hmoS>g Ho$ gmW nam_e
H$aHo$ V`ma H$s JB h &
VXZwgma ~r_m {d{Z`m_H$ {dH$mg m{YH$aU (~moH$g) {d{Z`m_mdbr,

2002 Ho$ {d{Z`_ 14(1) Ho$ gmW n{R>V, ~r_m {d{Z`m_H$ {dH$mg
m{YH$aU A{Y{Z`_ Ho$ n[aN>oX 14 _| {Z{hV e{$`m| Ho$ AYrZ
2009 _| ZdrH$aU AmdoXZ na {dMma H$aVo g_`, _hdnyU V`m| Ho$
A-H$Q>Z H$mo XoIVo hE m{YH$aU Zo, bmBg|g H$m ZdrH$aU _Zm H$a
{X`m &
II.3.5 g_mXoe `m{MH$ g. 7948/2008 - Yyd Hw$_ma ~Zm_
~r_m {d{Z`m_H$ {dH$mg m{YH$aU VWm A`-AmZao~b hmBH$moQ>

Am\$ `y{S>Ho$Ma EH$ Bbmhm~mX bIZD$ ~|M Ho$ g_wI
`m{MH$mH$Vm lr Ywd Hw$_ma Zo _mZZr` C `m`b` _|, _moQ>a dmhZm|
Ho$ "dm_r-S>mBda" H$mo Xm, A{Zdm` `{$JV XwKQ>Zm ~r_m gwajm
_| Zm_mH$Z gw{dYm CnbY Z hmoZo Ho$ AmYma, na EH$ OZ-{hV
_wH$XX_m Xmà {H$`m& Chm|Zo nm{bgrYmaH$ mam Zm_mH$Z Ho$ g~Y
_| ~r_m A{Y{Z`_, 1938 Ho$ n[aN>oX 39 Ho$ mdYZm| VWm
nm{bgrYmaH$m| Ho$ {hVm| H$s gwajm H|$ g~Y _| ~r_m {d{Z`m_H$ {dH$mg
m{YH$aU A{Y{Z`_, 1999 Ho$ n[aN>Xo 14(2)~r H$m hdmbm {X`m &
~r_m {d{Z`m_H$ {dH$mg m{YH$aU Zo A{Zdm` _moQ>a VVr` njH$ma
Bg AmXoe Ho$ g_j, {d{bg, _mZZr` _w~B C `mbb` Ho$ nmg JB

VWm `mbmb` Zo {XZmH$ 21 Ay$~a 2010 Ho$ AnZo AmXoe _|,
m{YH$aU H$mo `h {ZX}e {X`m {H$ dh, {d{bg Ho$ ZdrH$aU AmdoXZ
n na {ZU` boZo Ho$ {bE ~r_m {d{Z`m_H$ {dH$mg m{YH$aU Ho$ 2
nyU H$m{bH$ gX`m| H$s EH$ g{_{V J{R>V H$ao &
m{YH$aU mam J{R>V, 2 gX`r` g{_{V Zo, {d{bg Ho$ {V{Z{Y`m|
H$s gwZdmB H$aZo Ho$ ~mX 26 Zd~a 2010 H$mo AmXoe nm[aV {H$`m
68
dm{fH$ [anmoQ>
2010-11
II.3.7 g_mXoe `m{MH$m g. 23161/10-Q>oQ>o{OH$ B`moa|g
{Og_| bmBg|g Ho$ ZdrZrH$aU H$s _Zmhr Ho$ m{YH$aU Ho$ {ZU` H$s
nw{> H$s JB {OgH$m AmYma `h Wm {H$ {d{bg B{S>`m Zo ~r_m {d{Z`m_H$
{dH$mg m{YH$aU (~r_m ~moH$g) {d{Z`_mdbr Ho$ {d{Z`_m| 6,9 VWm
13 Ho$ gmW n{R>V \$m_ "E' H$s _XZ g. 5.1 _| _mJr JB OmZH$mar
VwV Zht H$s, {Og_| {H$ òH$ AmdoXZH$Vm mam, {ZnQ>mE JE
{ddmXm| H$m ^r H$Q>Z {H$`m OmZm hmoVm h & g{_{V Zo {Q>nUr Xr {H$
m{YH$aU H$mo, BgrOrgr Ho$ gmW hE {ddmX Ho$ V`m| go d{MV aIm
J`m, A`Wm AmdoXZ n na ~r_m {d{Z`m_H$ {dH$mg m{YH$aU
~moH$g {d{Z`_mdbr Ho$ {d{Z`_ 9(1) VWm ~r_m A{Y{Z`_, 1938
Ho$ n{aN>oX 42 S>r Ho$ AmYma na {dMma {H$`m OmVm &
~moqH$J g{dgoO m.{b. ~Zm_ ~r_m {d{Z`m_H$ {dH$mg m{YH$aU

VWm A` AmYXoe C `m`mb` _|
{df` `m{MH$m (gOoQ> nQ>reZ) _| ~r_m {d{Z`m_H$ {dH$mg m{YH$aU,
B\$H$mo Q>mo{H$`mo OZab B`moa|g H$nZr {b. VWm bH$mo A_aH$Q>H$
mda m.{b. H$mo {VdmXr g. 1 go 3 ~Zm`m J`m &
Q>Q>o{OH$ B`moa|g ~moH$[aJ g{dgoO m.{b. (~moH$a) Zo A` ~mVm|
Ho$ gmW-gmW bH$m| A_aH$Q>H$ nmda m.{b. mam C$ ~r_mH$Vm go
br JB nm{bgr Ho$ ZdrH$aU Ho$ {bE ZdrH$aU H$_reZ Z XoZo Ho$
B\$H$mo Q>mo{H$`mo OZab B`moa|g H$nZr {b. Ho$ H$` H$mo MwZmVr Xr &
Xmo gX`r` g{_{V Ho$ Bg AmXoe Ho$ {Ibm\$, {d{bg Zo _mZZr`

_w~B C `m`mb` _| EH$ ZB g_mXoe `m{MH$m Xm{Ib H$s Ama
`m`mb` Zo 7 _mM 2011 Ho$ AnZo AmXoe _o `h {ZU` {X`m {H$
~rEgrEgnrEb ({d{b{g Ho$ eoàYmaH$) VWm BgrOrgr Ho$ ~rM {ddmX
Ho$ A-H$Q>Z Ho$ AmYma na, ZdrH$aU AmdoXZ n H$mo AdrH$ma H$a
XoZm, H$moB gJV nhby Zht Wm Ama Bg na, ZdrH$aU-AmdoXZ n na
{dMma H$aVo g_`, {dMma {H$`m OmZm Mm{h`m Wm& `m`mb` Zo Xmo
gX`r g{_{V H$mo {ZXoe {X`m {H$ dh {d{Y Ho$ AZwgma ZdrH$aU
AmdXZ-n na {\$a go {ZU` b|, gmW hr `m`mb` Zo `h ^r gn>
{H$`m {H$ `{X ~r_m {d{Z`m_H$ {dH$mg m{YH$aU Ho$ nmg H$moB A`
AmYma CnbY h Ama `{X ZdrH$aU Ho$ AmXoe H$mo nm[aV H$aZo _|
H$moB A` H$mZyZr H$mdQ> h Vmo Eogr H$mdQ> H$s OmZH$mar, {d{bg
Ho$ `mZ _| bmZo Ho$ ~mX, Bg na ^r {dMma {H$`m Om gH$Vm h& VWm{n
`m`mb` Zo {ZX}e {X`m {H$ ~rEgrEgnrEb VWm BgrOr Ho$ ~rM
{ddmX H$m A-H$Q>Z (ZmZ-{S>H$bmoOa) H$moB gJV nhby Zht h
Ama ZdrH$aU AmdoXZ n na {\$a go {ZU` boVo g_`, Bg nhby H$mo
`mZ _| Z aIm OmE& VnMmV `m`mb` Ho$ AmXoemZwgma, Xmo gX`r`
g{_{V Zo {d{bg Ho$ ZdrH$aU AmdoXZ n na {\$a go {ZU` {b`m
Ama ~r_m {d{Z`m_H$ {dH$mg m{YH$aU (~r_m moH$g) {d{Z`_mdbr
Ho$ {d{Z`_ 23 Ho$ CKZ Ho$ Amgma na, ZdrH$aU H$s _Zmhr H$mo
~hmb aIm &
~moH$a H$m Xmdm Wm {H$ bH$mo A_aH$Q>H$ nmda m.{b. Zo, AnZr 300
E_dr`y{ZQ>-1 {~bOr n[a`moOZm H$m ~r_m H$admZo Ho$ {bE ~moH$a H$s
godmE boH$a B\$H$mo Q>mo{H$`mo OZab B`moa|g H$nZr {b. go ~r_m
nm{bgr IarXr naVw df 2009 hoVw, C$ nm{bgr Ho$ ZdrH$aU Ho$
g_`, CgH$m r{_`_ H$nZr H$mo AXm H$a {X`m, {OgHo$ H$maU ZdrH$aU
H$_reZ, B\$H$mo Q>mo{H$`mo OZab B`moa|g H$nZr {b. mam ~moH$a H$mo
Zht {_bm &
~moH$a Zo Amamon bJm`m {H$ bH$mo A_aH$Q>H$ nmda m.{b. go grYo
r{_`_ boH$a Ama ZdrH$aU H$_reZ Z XoH$a, B\$H$mo Q>mo{H$`mo OZab
B`moa|g H$nZr Zo ~r_m {d{Z`m_H$ {dH$mg m{YH$aU Ho$ {Xem {ZX}em|
Ama {d{Z`_m| H$m CKZ {H$`m h&
~moH$a Zo `h ^r Xmdm {H$`m {H$ O~ dh {ddmX H$mo gwbPmZo Ho$ {bE
~r_m {d{Z`m_H$ {dH$mg m{YH$aU Ho$ nmg Bg AmYma go J`m {H$ `h
""_`dVu Ama ~r_mH$Vm"" Ho$ ~rM H$m _m_b h V~ ~r_m {d{Z`m_H$
{dH$mg m{YH$aU Zo 26 AJV 2010 Ho$ AnZo n mam ~moH$a H$mo
gy{MV {H$`m {H$ CgHo$ nmg ""_`dVu Ama nm{bgr YmaH$"" Ho$ ~rM,
{ddmX Ho$ A{Y{ZU`Z (ES>Ow{S>Ho$Q>) H$s e{$ Zhr h `y{H$ `h
BgH$s {d{Z`m_H$ n[a{Y Ho$ ^rVa Zhr AmVr h, m{YH$aU Zo
`m{MH$mH$Vm H$mo AmJo `h nam_e ^r {X`m {H$ do {ddmX gwbPmZo Ho$
{bE Cn`w$ ""{d{Y-\$moa_"" go gnH$ H$a| &
VnMmV ~r_m {d{Z`m_H$ {dH$mg m{YH$aU Zo, nm{bgrYmaH$m| Ho$

{hVm| H$mo `mZ _o aIVo hE, _mZZr` _w~B hmBH$moQ> Am\$ Oy{S>Ho$Ma
mam nm[aV 7 _mM 2011 Ho$ Cn`w$ A{V_ AmXoe/{ZU` _| , AH$Q>Z Ho$ g~Y _| H$s JB AmOadoeZ Ho$ {Ibm\$ {deof `m{MH$m
Xmà H$a Xr `m|{H$ m{YH$aU {hVm| H$mo ~hV j{V nhMoJr, `m|{H$
{\$a eoàYmaH$m| Ho$ nyddmm| H$m g_w{MV _y`mH$Z g^d Zht hmo nmEJm.
^mdr AmdoXZ H$Vm ^r _hdnyU V` {N>nmZo Ho$ {bE dV hmo OmEJo
{Oggo bmBg|g XmZ H$aZo hoVw CZHo$ AmdoXZ n ^m{dV hm|Jo.
~r_m {d{Z`m_H$ {dH$mg m{YH$aU Ho$ C$ {ZU` go AgVw> hmoH$a

~moH$a Zo EH$ {df` (gOoQ>) `m{MH$m Xmà H$s, {Og_| A` ~mVm|
Ho$ gmW-gmW 26 AJV 2010 Ho$ ~r_m {d{Z`m_H$ {dH$mg m{YH$aU
Ho$ C$ n H$mo _gyI (de) H$aZo H$s mWZm H$s JB VWm gmW hr
`h mWZm ^r H$s JB {H$ ~r_m {d{Z`m_H$ {dH$mg m{YH$aU H$mo
{ZX}e Omar {H$E OmE {H$ dh, `mo`Vm AmYma na, CZHo$ Ama ~r_mH$Vm
Ho$ ~rM {ddmX H$m A{Y{ZU`Z H$ao &
AmXoe: gdm}` `m`mb` Zo, 5 OwbmB 2011 Ho$ AmXoe _| {Q>nUr

Xr {H$ MyH$s m{YH$aU _|, _w~B C `m`mb` Ho$ AmXoe H$m nmbZ
{H$`m h, AV: dh C$ AmXoe _| hVjon Zht H$aoJm VWm{n gdm}
`m`mb` Zo, {deof AdH$me `m{MH$m _| ~r_m {d{Z`m_H$ {dH$mg
m{YH$aU mam CR>mE JE {d{Y g~Yr Z H$mo Iwbm N>moS> {X`m &
AmXoe: _mZZr` C `m`mb` Zo, {XZmH$ 22 _mM 2011 Ho$ AnZo

AmXoe mam `m{MH$m Im[aO H$aVo hE {Q>nUr Xr {H$ Bg H$aU _|
~mHo $a VWm B\$H$mo Q>m{o H$`mo OZab B`moag
| H$nZr {b. AWmV ~r_mH$Vm
Ho$ ~rM H$moB {ddmX Zhr h. ~pH$ Bg_| ~moH$a Ama ~r{V_ Ho$ ~rM
{ddmX h Ama ~r_m {d{Z`m_H$ {dH$mg m{YH$aU H$mo {XE JE jom{YH$ma
_| `h {ddmX Zht AmVm h.
69
dm{fH$ [anmoQ>
II.3.8 grgrg.5/2010-{dO` {_mb VWm A` ~Zm_ gdoam
2010-11
AmBEAmBEg Zr{V {Z_mVmAm| Ama CgHo$ nmbZH$VmAm|, XmoZm| H$m

AnZr-AnZr {deofVmAm|, AZw^dm| VWm g_P Ho$ AmXmZ-XmZ Ho$
Adga Xo H$a, _mZ-WmnZmAm| VWm H$m`md`Z J{V {d{Y`m| Ho$ {bE
EH$ ^mdr _M CnbY H$admVm h &
MarQ>o~b Q>Q>a VWm A` - {Obm Cn^mo$m \$moa_, ^qQ>S>m, nOm~

Ho$ g_j Xm{Ib
Bg AmYma na {H$ [abm`g OZab B`moa|g H$nZr Zo nm{bgr Omar
Zht H$s, gdoam dm` gwajm `moOZm Ho$ AVJV, CZHo$ mam VwV
Xmdo Ho$ AdrH$aU H$mo MwZmVr XoZo Ho$ {bE, CZHo$ mam `h {eH$m`V
Xm{Ib H$s JB & ~r_m {d{Z`m_H$ {dH$mg m{YH$aU Zo {Ogo EH$
njH$ma ~Zm`m J`m Wm, `h Xbrb Xr, {H$ `h ~r_m {d{Z`m_H$ {dH$mg
m{YH$aU A{Y{Z`_ Ho$ AVJV, gm{d{YH$, H$m`m| H$m {Zdmh H$aVr
h Ama Cn^mo$m gwajm A{Y{Z`_ Ho$ AW Ho$ AVJV, am{e boH$a godm
XmZ Zht H$aVr h Ama `h C$ H$madmB _| Z Vmo C{MV Ama Z hr
Amd`H$ nj h, AV: C$ AmYma na, [d{^ njH$mam| _| go CgH$m
Zm_ hQ>m {X`m J`m&
II.4.2 AmB E_B Eg H$s J{V{d{Y`m BgH$s H$m`nmbH$ g{_{V Ho$
g{H$` _mJXeZ _| MbmB OmVr h Bg g{_{V _| 15 dmoqQ>J gX`

hmoVo h Omo {dd Ho$ {d{^ AMbm| go MwZ H$a AmVo h, gmW hr ~OQ>
g{_{V H$m A`j ^r gX` hmoVm h Omo nXoZ VWm Ja-dmoqQ>J gX`
hmoVm h& VH$ZrH$s g{_{V, H$`md`Z g{_{V VWm ~OQ> g{_{V VWm
BZHo$ gmW BZH$s d{H$J nm{Q>`m, BZHo$ nyaH$ Ho$ n _| hmoVr h& AmB
E AmB Eg H$m X{ZH$ H$mamo~ma VWm H$m`, BgHo$ g{Mdmb` mam
Mbm`m OmVm h, Omo {H$ ~H$ \$ma BQ>aZoeZb gQ>b_|Q>g, ~ogb,
pdQ>OabS> _| pWV h &
II.4.3 AmB E AmB Eg, ^mdr ~r_m n`dojU `dVm ~ZmZo Ho$ {bE
AmXoe: _mZZr` \$moa_ Zo, ~r_m {d{Z`m_H$ {dH$mg m{YH$aU H$s

Xbrb drH$ma H$s Ama `h {Q>nUr Xr {H$ ggX H$mo A{Y{Z`_ mam
Wm{nV gm{d{YH$ {ZH$m` hmoZo Ho$ H$maU, ~r_m {d{Z`m_H$ {dH$mg
m{YH$aU AnZo mam {Zdm{hV H$m`m] Ho$ {bE Z Vmo H$moB ewH$ ^m{dV
H$aVr h, Z hr am{e boVr h, Bg{bE `h {eH$m`V "Cn^mo$m-{d~r_m {d{Z`m_H$ {dH$mg m{YH$aU Zhr h& AV: VnMmV \$moa_ Zo
{XZmH$ 31 OZdar 2011 Ho$ AnZo AmXoe mam ~r_m {d{Z`m_H$
{dH$mg nm{YH$aU Ho$ {d {eH$m`V Im[aO H$a Xr &
{gXYmVm|, _mZXS>m| VWm {Xem {ZX}e V`ma H$aVm h & Eogm H$aVo
g_`, `h, nm{bgrYmaH$m| H$s gwajm Ama bm^ Ho$ {bE g_w{MV Ama
H$m`j_ ~r_m ~mOmam| H$s WmnZm Ama AZwajU H$aZo _|, EH$
gw{dYmH$Vm H$s ^y{_H$m {Z^mVm h & AmB E AmB Eg "B`y nong" ^r
V`ma H$aVm h Omo ~r_m n`dojH$m| Ho$ {d{e> {MV jo Ho$ {bE ^y{_H$m
H$m H$m_ H$aVo h & AnZr hmb H$s ~R>H$ _| AmB E AmB Eg Zo, AmB E
AmB Eg _yb ~r_m {gmVm|, _mZXS>mo, {Xem{ZX}em| VWm _y`mH$Z
{d{Y (AmB gr nr) _| gemoY H$mo AnZmZo H$s KmofU H$s & AmB gr nr,
{dd ~H$ VWm AVam>r` _wm H$mof mam g`w$ n go Am`mo{OV,
{dmr` jo _y`mH$Z H$m`H$_ (E\$EgEnr) Ho$ AVJV n`dojUr`
`dWmAm| _| _y`mH$Z _| {H$`m OmZo dmbm, {dd â _| _m` \o$_dH$
h & gemo{YV _yb ~r_m {gXYmVm| (AmB gr nr) H$mo, En Eg E nr
_y`mH$Zm| go m AZw^d, VWm Or-20 {dm _{`m|, g|Q>b ~H$
JdZam| VWm {dmr` Wm{`dVm ~moS> (E\$ Eg ~r) mam Omar {g\$m[aem|
na AmYm[aV {H$`m J`m h & _yb ~r_m {gXYmV, {OZ_| dV {ddoH$
g_V {ZJamZr Ho$ jo _| EH$ X_ Z`m ""{gXYmV ^mdr H$m`'' em{_b
h {dd_a _|, ~r_m n`dojU H$mo Ama A{YH$ gwT> ~ZmZo Ho$ {bE, EH$
_O~yV AmYma na H$aVo Am aho h &
II.4 ~r_m jo _| AVam>r` gh`moJ
AVam>r` ~r_m n`dojH$ gK (AmBEAmBEg)

II.4.1 AVam>r` ~r_m n`dojH$ gK H$s WmnZm 1994 _| EH$
""dpdH$-_mZH$ WmnZH$Vm-{ZH$m`"" Ho$ n _| H$s JB, {OgH$m

CXXo`, nm{bgrYmaH$m| H$s gwajm Ama bm^ Ho$ {bE EH$ ghr, gwa{jV
Ama pWa ~r_m ~mOma {dH${gV H$aZo VWm dpdH$ {dmr` pWaVm _|
`moJXmZ XoZo Ho$ {bE ~r_m CX`moJ hoVw, EH$ ^mdr Ama {dd gJV,
{d{Z_`Z Ama n`dojU, V H$mo mogm{hV H$aZm h& BZ dfmo _|
BgH$s gX`Vm, {OZ_| ~r_m {d{Z`m_H$ Ama n`dojH$ AmVo h, bJ^J
190 A{YH$ma jom| _| \$b JB h {OZHo$ AVJV bJ^J 140 Xoe
AmVo h & AmB E AmB Eg _| 120 go A{YH$ gWmE Ama `{$
em{_b h, Omo {d{^ `mdgm{`H$ gKmo, ~r_m Ama nwZ~u_m H${nZ`m|,
AVamoQ>r` {dmr` gWmAm|, nam_eXmVmAm| VWm ojH$m| Ho$ n _|
A` `mdgm{`H$m| H$m {V{Z{Yd H$aVo h & Bg `mnH$ n[a` go
~r_m ~mOmam| H$s ~T>Vr dpdH$ H${V n[ab{jV hmoVr h Ama gJ/
pWa n`dojH$s` _mZXS>m| Ama ar{V`m| H$s Amd`H$Vm ^r COmJa
hmoVr h & BgHo$ Abmdm, EH$ gwT> n`dojU, {H$VZm _hdnyU `moJXmZ
XoVm h, `h ^r H$Q> hmoVm h Ama Bgo g~{YH$ jom{YH$ma| VWm
~mOmam| XmoZm| _| H$go Wm{`d AmVm h& `h ^r nVm MbVm h.
II 4.4 {ddâ _| {dmr` Um{b`m| H$mo gdmaZo _| `moJXmZ XoZo Ama
CZ_| gh ^m{JVm H$aZo Ho$ {bE AmBEAmBEg A` AVam>r` {dmr`

gWmAm| n`dojH$m| Ho$ AVam>r` gKmo, VWm {d{Z`m_H$m| go H$m\$s
{ZH$Q>Vm go gnH$ ~Zm H$a aIVm h & AmB E AmB Eg, g`w$ \$moa_
H$s KQ>H$ gWmAm| _| go ^r EH$ h Ama BgHo$ H$m`Xbm| H$s J{V{d{Y`m|
_| ^mJ boVm h & AmB E AmB Eg, {dmr` Wm{`dVm \$moa_ _| ^r
{V{Z{Yd H$aVm h & AmB E AmB Eg AVam>r` boIm _mZXS> ~moS>
H$mo, BgHo$ AVam>r` {dmr` [anmo{Q>J _mZXS>mo (AmB E\$ Ama Eg) go
g~{YV H$m` Ho$ {bE gwPmd XmZ H$aVm h, ò gwPmd, Img Vma na
70
dm{fH$ [anmoQ>
2010-11
II.4.6 dpdH$ {dmr` gH$Q> Ho$ n[aUm_ dn, AmBE AmB Eg H$s
~r_m jo go g~{YV _mZXS>m| Ho$ {bE {XE OmVo h & AmB E AmB Eg,
AmB E Eg ~r H$s ""_mZXS> gbmhH$ma n[afX"" H$m ^r gX` h, Ama
gmW hr BgHo$ "~r_m H$m`Xb" VWm "\$mBZope`b BQ>_oQ>g d{H$J
Jwn H$m ^r gX` h & `h {dVr` H$madmB H$m`Xb (E\$EQ>rE\$) _|
n`dojH$ H$m XOm aIVm h & `h H$m`Xb, H$mbo YZ H$mo dY ~ZmZo go
amooH$Zo VWm AmVH$dmXr {dmnmofU H$mo amoH$Zo Ho$ {bE ~Zm`m J`m h &
~hV gr g{_{V`m {deof _wXXm| na AnZm `mZ H|${V H$a ahr h

{OZ_| go _wI h: ~r_mH$m`m] Ho$ Jwn dmBS> n`mdojU na, n`dojH$s`
nonam| Ho$, ~hV Ama gwJ{R>V goQ> Ho$ {dH$mg Ama AZwajU go OwS>o
_wXXo, goQ>am| Ho$ ~rM Amngr _wXXo VWm ~S>r {dmr` H$n{Z``m| Ho$
n`dojU go OwS>o _wXXo BZHo$ Abmdm A` _hmdnyU _XXo h - H$Q>Z
VWm nm{bgrYmaH$m| H$mo Xr OmZo dmbr OmZH$mar _| nmaX{eVm, Cn^mo$m
gwajm, ~r_mH$VmAm| VWm _`d{m`m| Ho$ ~mOma-AmMaU g~Yr {d{^
nhbwAm| go OwS>r A` gWmAm| VWm nm`dojH$m| Ho$ ~rM Vmb_ob.
II.4.5 m{YH$aU Ho$ A`j, AmB E AmB Eg H$s H$m`H$m[aUr g{_{V
Ho$ gX` h, VWm BgHo$ gX` ~r_m g{dXmAm|, boIm nhbwAm|, ~r_m
H$mZyZm| nwZ~u_m, {dr` H$n{Z`m|, emoYj_Vm, YmoImYS>r B`m{X na
~Zr AmB E AmB Eg H$s {d{^ g{_{V`m| Ho$ gX` h. ~r_m {d{Z`m_H$
{dH$mg nm{YH$aU Ho$ A`j, AmB E AmB Eg H$s H$m`md`Z g{_{V
Ho$ ^r A`j h & {OZ g{_{V`m|/Cng{_{V`m| _|, ~r_m {d{Z`m_H$
{dH$mg m{YH$aU H$m {V{Z{Yd h, CZH$m {ddaU ZrMo Vm{bH$m _o
{X`m J`m h:
II.5 OZVm go m {eH$m`V|
OrdZ ~r_mH$Vm
II.5.1 m{YH$aU Ho$ {eH$m`V H$j H$mo ~r_m H$n{Z`m| Ho$ {Ibm\$
bmoJm| go {eH$m`Vo m hmoVr ahr h& ò {eH$m`V| H$n{Z`m| H$mo, CZHo$

Va na {ZnQ>mZ Ho$ {bE AJo{fV H$a Xr OmVr h & ~r_m H$n{Z`m| go
Ano{jV h {H$ do g~{YV {eH$m`Vm| H$s pW{V Ho$ ~mao _|, m{YH$aU
Ho$ {eH$m`V H$j H$mo, AdJV, H$admVr ah| Ama `h ^r {H$ {eH$m`Vm|
H$m {ZnQ>mZ H$a {X`m J`m h AWdm Zhr & 31 _mM 2011, H$s
pW{V _| m{YH$aU Ho$ nmg XO 254 {eH$m`Vo Wr {Oh| OrdZ ~r_m
H$n{Z`m| mam {ZnQ>m`m OmZm ~mH$s Wm & df 2010-11 Ho$ XmamZ
m{YH$aU H$mo 9,656 {eH$m`Vo (2009-10 _| 2,449) m hB
{OZ_| go 2,588 OrdZ ~r_m {ZJ_ go g~{YV Wr (2009-10 _|
606) VWm 7,068 mBdoQ> jo Ho$ ~r_mH$VmAm| go g~{YV Wr
(2009-10 _| 1,843)&
Vm{bH$m II.10
AmB E AmB Eg H$s g{_{V`m/Cng{_{V`m
- H$m`md`Z g{_{V
Cng{_{V`m
{ejm Cn-g{_{V
_mZXS> AZwnmbZ Cn-g{_{V
n`dojU gh`moJ Cn-g{_{V
- ~r_m g_yhm| VWm goQ>am| Ho$ ~rM _wXXm| na Cn-g{_{V
- JdZ}g VWm AZwnmbZ Cn-g{_{V
- nwZ~u_m VWm Omo{I_ AVaU Ho$ A` dnm| na Cn-g{_{V/
nwZ~u_m nana _m`Vm Cn-Xb
- ~r_m YmoH$mYS>r Cn-g{_{V
- emoYj_Vm Cn-g{_{V
- ~r_m g{dXm Cn-g{_{V
- noeZ g_d` Xb
- ~mOma AmMaU Cn-g{_{V
- gy_ ~r_m g`w$ H$m`Xb (grOrEnr)
II.5.2 df 2010-11 Ho$ XmamZ, ~r_m H$n{Z`m| Zo 97.47 {VeV
{eH$m`Vm| H$m {ZnQ>mZ {H$`m (2009-10 _| 86.41 {VeV)& ~r_m

H$n{Z`m| Ho$ {Ibm\$ m{YH$aU Ho$ nmg XO [eH$m`Vm| _| go Ohm
mBdoQ> OrdZ ~r_m H$n{Z`m| Zo 97.42 {VeV H$m {ZnQ>mZ {H$`m
(2009-10 _| 88.4 {VeV), dht Eb AmB gr Zo 97.58 {VeV
H$m {ZnQ>mZ {H$`m (2009-10 _| 81.0 {VeV) 31 _mM 2011
H$mo, ~r_m H$n{Z`m| Ho$ nmg 254 {eH$m`V| b{~V Wt {OZ_| go 188
mBdoQ> jo H$s Wr VWm 66 OrdZ ~r_m {ZJ_ go g~{YV Wr &
Vm{bH$m II.11
{eH$`Vm| H$s pW{V: OrdZ ~r_mH$Vm
2010-11 _|
2010-11 _|
XO H$s JB
{ZnQ>mB JB
{eH$m`V|
{eH$m`Vo
~r_mH$Vm
31-03-2010
H$mo ~H$m`m
EbAmBgr
nmBdoQ>
150
245
2588
7068
2672
7125
66
188
Hw$b
395
9656
9797
254
71
31-03-2011
H$mo ~H$m`m
dm{fH$ [anmoQ>
2010-11
Vm{bH$m II.12
df 2010-11 _| {eH$m`V H$j Ho$ nmg XO H$s JB {eH$m`Vm| H$m {eH$m`Vm| H$s H${V Ho$ AZwgma {ddaU (OrdZ ~r_m)
H$_.g.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
{eH$`Vm| H$s H${V

{~H$s g~Yr
Vm{dV O_m am{e dmng Z {X`m OmZm
nm{bgr ~mS> m Z hmoZm
\$sbwH$ [a\$S>
nm{bgr H$m aXX H$aU
nm{bgr {eS>`yb _| w{Q>
Sw>brHo$Q> nm{bgr Omar H$aZm
r{_`_ H$m g_m`moOZ
nm{bgr _| ~Xbmd
`nJV (bg) nm{b{g`m {\$a go Mmby H$aZo g~Yr [aH$mS>
nm{bg{`m| H$m g_ZwXoeZ
nm{bgr A{^boIm H$m AVaU
boIm Q>oQ>_|Q>/~moZg m Z hmoZm
Am{eH$ AmhaU go g~{ YV
A`nU _y`/Xmdo/n[a$Vm bm^/Cma
Or{dVm bm^/dm{fH$s H$m ^wJVmZ Z {H$`m OmZm,
ghr A`nU _y` H$m ^wJVmZ Z hmoZm
XS>m_H$ `mO H$m ^wJVmZ Z hmoZm
Xmdm AdrH$ma {H$`m OmZm
dm` ~r_m go g~{YV
EZEdr go g~{YV
A`
Hw$b
II.5.3 2010-11 _|, OrdZ ~r_m {eH$m`V H$j Ho$ nmg XO H$s JB
{eH$`Vm| H$s g`m
{VeV _|
2301
105
819
508
850
94
108
166
212
258
116
57
57
45
23.83
1.09
8.48
5.26
8.80
0.97
1.12
1.72
2.20
2.67
1.20
0.59
0.59
0.47
2096
205
107
72
41
101
1338
9656
21.71
2.12
1.11
0.75
0.42
1.05
13.86
100.00
nmg CZHo$ {Ibm\$ XO {eH$m`Vm| _| go 64.20 {VeV H$m {ZnQ>mZ

{H$`m 31 _mM 2011 H$mo ~r_m H$n{Z`m| Ho$ nmg 1,44,229 {eH$m`V|
{ZnQ>mZ {H$`m 31 _mM 2011 H$mo ~r_m H$n{Z`m| Ho$ nmg 1429
{eH$m`V| {ZnQ>mZ hoVw b{~V Wt, {OZ_| go 258 mBdoQ> jo go VWm
1171 gaH$mar jo H$s Ja OrdZ ~r_m H$n{Z`m| go g~{YV Wr&
[eH$m`Vm| Ho$ {dbofU go H$Q> hmoVm h {H$ nm{bgr YmaH$m| H$s {eH$m`Vm|
Ho$ VrZ _w` H$maU h - {~H$s go g~{YV (23.83 {VeV), A`nZ
_y`, Xmdm|, n[an$Vm bm^ Cma Or{dVm bm^/dm{fH$s H$m ^wJVmZ
Z {H$E OmZo go g~{YV (21.71 {VeV), nm{bgr Ho$ {ZaVrH$aU
(H$goboeZ) go g~{YV (8.80 {VeV) &
II.5.5 31 _mM 2011 H$mo Ja OrdZ ~r_m H$n{Z`m| Ho$ {Ibm\$
Ja OrdZ ~r_mH$Vm
1,429 {eH$m`Vo ~H$m`m Wr& b{~V {eH$m`Vm| _| go 22.56 {VeV,

nm{bgr g~Yr _m_bm| go OwS>r h, 51.08 {VeV {eH$m`Vm| H$m
{ZnQ>mZ Z {H$E OmZo /{ZnQ>mZ _| Xoar go g~{YV h VWm 23.23
n{VeV Xmdm| H$mo AdrH$ma H$aZo/Xmdm| Ho$ Am{eH$ {ZnQ>mZ go g~{YV
h&
II.5.4 df Ho$ XmamZ m Ama ~H$m`m {eH$m`Vm| _| go, Ja OrdZ
~r_mH$Vm H$n{Z`m| Zo 75.49 {VeV H$m {ZnQ>mZ {H$`m & mBdoQ> Ja

OrdZ ~r_m H${Z`m| Zo Hw$b Xm{Ib {eH$m`Vm| _| go 89.91 {VeV
H$m {ZnQ>mZ {H$`m O~{H$ Ja OrdZ ~r_m H$n{Z`m| Zo, m{YH$aU Ho$
72
dm{fH$ [anmoQ>
~r_mH$Vm
gaH$mar
mBdoQ>
Hw$b
2010-11
Vm{bH$m II.13
df 2010-11 Ho$ XmamZ {eH$m`Vm| H$s pW{V-Ja-OrdZ ~r_H$Vm
31-03-2010 2010-11 Ho$ 2010-11 _| 31-03-2011
H${V Ho$ {hgm~ go ~H$m`m
H$mo ~H$m`m XmamZ [anmoQ> {ZnQ>mB JB
H$mo ~H$m`m
{eH$m`Vm| H$m ~Q>dmam
H$s JB {eH$`Vo {eH$m`V|
E
~r
gr
S>r
427
2844
2100
1171
237
606
291
37
(64.20)
129
2430
2301
258
85
124
41
8
(89.91)
556
5274
4401
1429
332
730
332
45
(75.49)
(22.56)
(51.08)
(23.23)
(3.15)
{Q>nUr: H$moo>H$m| _| {XE JE AmH$S>o, df Ho$ XmamZ {ZnQ>mB JB {eH$m`Vm| H$m n{VeV
E) nm{bgr g~{ YV _m_bo
gr) Xmdm AdrH$aU/Am{eH$ {ZnQ>mZ
~r) Xmdm| H$m {ZnQ>mZ Z hmoZm/{ZnQ>mZ _| Xoar hmoZm
S>r) A` H$maU
II.6 ~r_m Agmo{gEeZ (gK) VWm ~r_m n[afXo
MMm H$s g{_{V Zo, dVw Ama godm H$a (OrgrQ>r) na CX`moJ Ho$
A`doXZ H$mo A{V_ n XoZo Ho$ {bE AaZoQ> ES> `J (BES>dm`) Ho$
gmW {ZaVa g{H$` gh-H$m` {H$`m &
OrdZ ~r_m n[afX

II.6.1 OrdZ ~r_m n[afX, ~r_m A{Y{Z`_ 1938 Ho$ n[aN>oX 64
II.6.3 _mZd ggmYZ Ama emgZ (EMAma ES> ES>{_Z) g{_{V H$s
gr Ho$ AVJV Wm{nV EH$ {ZH$m` h& g^r nOrH$V OrdZ ~r_m
H$n{Z`m BgH$s gX` h Ama BZHo$ _w` H$m`nmbH$ A{YH$mar, Bg
n[afX _| CZH$m {V{Z{Ymd H$aVo h & Bg_|, ~r_m {d{Z`m_H$ {dH$mg
m{YH$aU Ho$ Xmo Zm{_Vr h {OZ_| go EH$ n[afX Ho$ A`j h &
_hmg{Md, n[afX Ho$ _w` H$m`nmbH$ Ho$ n _| H$m` H$aVo h & df
2010-11 Ho$ XmamZ n[afX H$s nmM ~R>Ho$ hB, n[afX H$s H$B
Wm`r Cng{_{V`m h. BgHo$ A[V{a$ OaV nS>Zo na, H$m`Xbm| H$s
~R>H$m| _|, H$m`-{d{e` _wXXm| na MMm H$s OmVr h ò H$m`Xb,
g_`-g_` na CâVo _wXXm| na MMm Ho$ {bE J{R>V {H$E JE h &
A{YH$me Cng{_{V`m| _|, gX`JU, AnZo _o go hr {H$gr H$mo A`j
MwZ boVm h & "g{_{V-AmYm[aV-{>H$moU go OrdZ ~r_o Ho$ A`V
{d{dYrH$V jom| go {bE JE d[a> H$m` nmbH$m| H$s, gh^m{JVm, Ama
CZHo$ A_y` `moJXmZ, gw{ZpMV hmoVo h&
df _o EH$ ~R>H$ hB. g{_{V Zo {OZ _wXXm| na MMm H$s, CZ_| go Hw$N>
Wo EOoQ>m| H$s {ejU Amd`H$VmAm| H$mo nyam H$aZo Ho$ {bE AmYmaVar`
gmPm ~r_m nmR>H$_ V`ma H$aZm, nmR>H$_ H$s Ad{Y, EH$ go H$B
_hrZo VH$ hmo gH$Vr h, Ama, EH$ g^m{dV H$[aà Adga Ho$ n _|
~r_m-CX`moJ H$s ~mqS>J H$m _hmd& g{_{V Eogo {d^ Cnm`m| na ^r
MMm H$s, {Oh| AnZmZo go OrdZ ~r_m H$n{Z`m| H$s AN>r H$màr{V`m|
H$mo, OrdZ n[afX Ho$ _mZd ggmYZ Ama emgZ g{_{V Ho$ gX`m|
mam, Amng _| ~mQ>m Om gH$Vm h.
II 6.4 gmp`H$s` AmH$S>m Cng{_[V H$s df _o EH$ ~R>H$ hB &
Cng{_{V Zo, OrdZ n[afX mam EH$ {H$E JE AmH$S>m| H$s n> ^y{_
_|, m{YH$aU mam Omar H$Q>Z "{d{Z`_m|" H$s g_rjm H$s Cng{_{V
Zo {ZU` {b`m {H$ {ZZ{b{IV A[V[a$ AmH$S>,o _m{gH$ AmYma na,
n[afX H$mo CnbY H$admE OmE:
OrdZ ~r_m n[afX H$s, df 2010-11 Ho$ XmamZ MbmB JB J{V{d{Y`m|

H$m {dVV `mam ZrMo {X`m J`m h :
II.6.2 df Ho$ XmamZ _w` {dmr` A{YH$m[a`m| (grE\$Amo) H$s
Cng{_{V H$s Xmo ~ma ~R>H$ hB & CZH$s ~R>H$m| g{dg Q>g gemoYZm|,
dVwAm| Ama godmH$a (OrEgQ>r), ~OQ> 2011 nyd Ama nMmV Ho$
kmnZm| go g~{YV _wXXmo na, H|${V Wr & VWm{n _w` {dmr`
A{YH$m[a`m| (grE\$Amo) H$s Cn-g{_{V Zo H$B ~R>Ho$ H$s Ama CZ_|
OrdZ ~r_m CX`moJ hoVw Or gr Q>r Ho$ A`doXZ ([aoOoQ>oeZ) na
73
_`w Xmdo, g`m _|, My{H$ _y`, n[afX H$mo nhbo hr CnbY
H$adm`m Om ahm h &
~r_m H$nZr mam {H$E JE A`nU ^wJVmZ, nman[aH$ Ama
`y{bn nm{bgr`m|, XmoZm| Ho$ {bE AbJ-AbJ go &
m {H$`m J`m H$mamo~ma-MZbdma-`{$JV Ama gm_y{hH$
H$mamo~ma XmoZm| Ho$ {bE nm{b{g`m| H$s g`m VWm am{e &
dm{fH$ [anmoQ>
2010-11
II.6.5 {d{Y Ama AZwnmbZ Cn-g{_{V H$s ~R>H$, df 2010-11
II.6.13 BgHo$ A{V[a$ n[afX Zo, g_`-g_` na, {d{^ {d^mJm|
_|, Xmo ~ma hB & g{_{V Zo Xya-{dnUZ ({S>Q>g _mH}$qQ>J) _wI

{deoofVmE (H$s \$sMO) XVmdoO, Ogo H$B _hdnyU _wXXo CR>mE, CZ
na MMm H$s Ama CZna {g\$m[aem| Xr & g{_{V Zo ^maVr` Xya gMma
{d{Z`m_H$ m{YH$aU (Q>mB) H$mo, CZHo$ hmb hr Ho$, JmhH$ mW{_H$Vm
{d{Z`_m| na EH$ A`doXZ ([aoOoQ>oeZ) {X`m, {Oggo ~r_m CX`moJ
^m{dV hAm & g{_{V Zo, Ow_mZo/XS>/Zm_mH$Z/g_ZwXoeZ na ~r_m
{d{Z`m_H$ {dH$mg m{YH$aU g{_{V H$mo ^r AnZr AZweg
mE H$s h&
Ho$, "Omo{I_-AH$Z-YmZm|" _w` {dmr` A{YH$m[a`m| VWm gX`

H$n{Z`m| Ho$ d[a> H$m`nmbH$m| H$s ~R>H|$, Am`mo{OV H$s& BZ ~R>H$m|
H$s J{V{d{Y`m| H$m Cn`moJ, Ja-OrdZ ~r_mH$VmAm| Ho$ H$m`nmbH$m| Ho$
~rM Vmb_ob Ama gh`moJ H$s ^mdZm ~T>mZo Ho$ {bE {H$`m OmEJm,
{OZH$m _wI CXXo `, JmhH$ godm _mZXS>mo H$mo ~T>mZm, ~mOma AZwemgZ
~ZmE aIZm VWm Xoe Ho$ Ja-OrdZ-~r_m ~mOma H$m dW {dH$mg
H$aZm h&
II.6.6 OrdZ ~r_m OmJH$Vm Cn-g{_{V Zo, OrdZ ~r_m Ho$ _hd
II.6.14 Cn`w$ J{V{d{Y`m| Ho$ A[V[a$, _hmg{Md Zo, E\$ AmB gr
Ho$ ~mao _| OmJH$Vm H$m {Z_mU H$aZo Ho$ {bE Xmo g ~R>H|$ Am`mo{OV
H$s - OyZ 2010 _| H$mobH$mVm _| VWm {Xg~a 2010 _| H$mor _|& ò
~R>Ho$ g\$b gm{~V hB Ama {Vr` Va Ho$ eham| Ho$ g VWm
BboQ>m{ZH$ _r{S>`m _|, Bh| H$m\$s H$da {H$`m J`m&
gr AmB, ~r gr gr AmB, gr AmB AmB, EgmoMo_, og ~R>H$m| VWm

{d{^ ZJam| H$s {d{^ gaH$mar gWmAm| mam Am`mo{OV g_obZm|/
go{_Zmam| VWm ~R>H$m| Ama ~r_m {d{Z`m_H$ Ama {dH$mg [YH$aU
mam J{R>V {Z{^ g{_{V`m| H$s ~R>H$m| _|, Ja-OrdZ ~r_m CX`moJ
H$m [V{Z{Yd {H$`m.
II.6.7 df Ho$ XmamZ, OrdZ n[afX Zo "monoQ>-mS>Q>-_{Q>g
Ho$ {dH$mg go g~{YV _wXXm| na MMm Ho$ {bE, EH$ H$moa-Jwn ~Zm`m.
OrdZ n[afX mam ~ZmE JE ~r_mH$Z Xb Zo, EH$ {dVV nona V`ma
{H$`m, Ama Cgo ~r_m {d{Z`m_H$ {dH$mg m{YH$aU H$mo VwV {H$`m &
II.6.15 _hmg{Md Zo, {dm _mb` (~r_m ^mJ), n[adhZ _mb`
VWm {dm _mb` (amOd ^mJ), Ogo _mb`m|, VWm H|$r` `j

H$a ~moS> (gr~rS>rQ>r) Ho$ A{YH$m[a`m| mam CR>mE JE {d{^ _wXXm| na
CmoJ H$m ZO[a`m Ama am` XoZo Ho$ {bE ^r CmoJ H$m {V[Z{Yd
{H$`m.
II 6.8 OrdZ n[afX Zo, 2010-11 H$s Ad{Y Ho$ XmamZ, OrdZ
~r_m CX`moJ Ho$ {bE "OrEgS>ramoS> _n" V`ma H$aZo Ho$ g~Y _| H$B
~R>Ho$ Am`mo{OV H$s& OrdZ ~r_m n[afX Zo, Bg H$m` _|, AaZoQ> ES>
`J Ho$ gmW g{H$` `moJXmZ {X`m Ama OrdZ ~r_m CmoJ hoVw, OrEgQ>r
na gwPmE JE _mS>b na {XE OmZo dmbo A`doXZ ([aoOoQ>oeZ) H$mo
A{V_ n XmZ {H$`m&
II.6.16 n[afX Zo, CX>`moJ Ama CgHo$ JmhH$m| Ho$ bm^ Ho$ {bE {d{^
n[a`moOZmAm| H$mo AmJo ~T>mZo Ho$ AnZo `mg Omar aIo& {d{^ gWmAm|
Ama `mnm[aH$ {ZH$m`m| Ho$ {bE "EH$ q~Xw gnH$" Ho$ n _| H$m` H$aVo
hE BgZo ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU, gX`-H$n{Z`m|
VWm A` mam gX{^V _wXXm| na {dMma-{d_e {H$`m Ama g_mYmZm|
na H$m`dmB H$s&
II.6.9 OrdZ n[afX Zo, `wMwAb \$S>g go g~{YV _wXXm| na MMm Ho$
{bE EH$ "H$moa Jwn J{R>V {H$`m Wm& H$moa Jwn Zo `yMwAb \$S> gmQ>doà
go g~{YV _wXXm| na MMm H$aZo, Ama Cgo gwbPmZo Ho$ {bE B\$moQ>oH$
Ho$ gmW H$B ~R>H|$ H$s &
II.6.17 JmhH$m| H$s AnojmAm| na IXo CVaZo, dX{Y, bm^XVm VWm
{d{Z`m_H$ AnojmAm| H$mo g_WZ XoZo H$s {> go, _moQ>a VWm dm`
~r_m jo Zo, CX`moJ H$m `mZ AmH${fV H$aVm ahm&
II.6.10 {H${gb ~mS> _y`mH$Z Qy>b" Ho$ g~{YV {df`m| na MMm Ho$
{bE ^r OrdZ n[afX Zo EH$ "H$moa-Xb" J{R>V {H$`m Wm& H$moa-Xb

Zo {H${gb Ho$ g{H$` gh`moJ go, g^r ~r_mH$VmAm| Ho$ {bE EH$ "EH$
g_mZ" ewH$ Xa V`ma H$s&
II.6.18 dm`
II.6.11 n[afX H$s do~gmBQ> Zo ~r_m CX`moJ go g~{YV gm[`H$s`
AmH$S>m,o ZdrZV_ g_mMmam| VWm A` OmZH$m[a`m| H$mo XmZ H$aZm

Omar aIm& {V_mhr-gmp`H$s`-AmH$S>m| H$s, _r{S>`m VWm CX`moJ
XmoZm| Zo egm H$s h& BgHo$ {S>OmBZ H$mo AnJoS> H$aZo VWm Bgo ~r_m
{d{Z`m_H$ Ama {dH$mg m{YH$aU, ~r_m H$m`nmbH$ (Amo~S>g_Z)
Ama g^r OrdZ ~r_mH$VmAm| H$s d~gmBQ>m| go OmoS>Zo Ho$ nMmV BgHo$
am>r` Ama AVam>r` {hQ>g H$s g`m _| H$m\$s ~T>moVar hB h& BgHo$
{VgyMZm (\$sS>~H $)/Z/{eH$m`V ofU V H$mo gemo{YV {H$`m
J`m Ama BgH$m ~YZ, n[afX Ho$ g{Mdmb` mam {H$`m OmZm, Omar
ahm&
gmYmaU ~r_m n[afX

II.6.12 df 2010-11 Ho$ XmamZ "Eb ES> Q>r OZab B`moa|g
H$nZr {b." Ho$ em{_b hmoZo go, n[afX Ho$ gX`m| H$s g`m ~T>H$a
24 hmo JB& 2010-11 _| n[afX H$s H$m`H$m[aUr g{_{V H$s 6
~R>H|$ hB&
74
gwdmVm (nmoQ>m}{~{bQ>r) Ho$ {ddm{XV _wXXo na, ~ma-~ma MMm

hB h& n[afX Bg gh_{V na nhMr h {H$ gwdmVm, gm` h.
AWmV "\$mBb ES> `yO" {Xem{ZX}em| Ho$ AZwgma ZE ~r_mH$Vm
mam Omo{I_ AH$Z H$aZo na nmo{Q>J ~r{_V H$mo, nrBS>r pW{V/
AndOZ VWm Vrjm Ad{Y H$m bm^ {_boJm& gX` H$n{Z`m|
Ho$ gmW nam_e H$aHo$ ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU
"gyj_-{H$`m_H$ {ddaUm|" na H$m` H$a ahm h&
~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU Ho$ _m`_ go, _mb`
go m, {ZZ{b{IV gX^m] Ho$ n[ano` _|, H$m\$s {dMma {d_e
Ho$ ~mX, `h {ZH$f {ZH$mbm J`m {H$ òH$ H$nZr AnZo Va
na BgH$s OmM H$ao Ama {ZU` bo {H$ BZHo$ {bE `m gdm}m_
H$adoO {X`m Om gH$Vm h&
~r_m[a`m| H$m Ja-Ebmon{WH$ CnMma, VWm
emar[aH$ n go Aj_ `{$
dm{fH$ [anmoQ>
^maV gaH$ma H$s OZ-`moOZmAm| Ho$ H$daoO VWm emoYj_Vm

AZwnmV Ho$ AmH$bZ H$s {d{Y na nS>Zo dmbo BgHo$ n[aUm_
H$mar ^md go g~{YV _wXXo, ~r_m {d{Z`m_H$ Ama {dH$mg
m{YH$aU H$mo A`do{XV {H$E JE Ama CZHo$ AZwH$y b hb {ZH$mbo
JE&
gemo{YV bmOoO Ho$ ~mao _| ~r_m {d{Z`m_H$ Ama {dH$mg

m{YH$aU go AZw_moXZ m hmo MwH$m h&
{d{^ gaH$mam| VWm A`m| mam Omar dm` ~r_m-`moOZmAm|,

~r_m H$n{Z`m| Ho$ hVjon {~Zm BZ `moOZmAm| H$s g{dqgJ Ho$
{bE Q>r nr E go ~mo{b`m Am_{V H$aZo, go g~{YV _wXXo, ~r_m
{d{Z`m_H$ Ama {dH$mg m{YH$aU H$mo bpnV {H$E JE& _wXXm|
H$s OmM H$a br JB h Ama CX`moJ Ho$ AZwamoY Ho$ AZwgma, Bh|
gwbPm {b`m J`m h&
AnVbm| H$mo {H$E OmZo dmbo "ZH$Xr-a{hV-^wJVmZm|" na g{dg

Q>g Ho$ _wXXo H$mo ^r gwbPm {b`m J`m h &
{d{^ Q>mnmoQ>g Egmo{gEeZm| go ~mVMrV AVV: nyar hmo JB

Ama g^r dmhZm| Ho$ {bE _moQ>a-Q>rnr r{_`_ _| gemoYZ, ~r_m
{d{Z`m_H$ Ama {dH$mg m{YH$aU mam, 25 Ab 2011 H$mo
A{Ygy{MV {H$`m J`m&
AmH$S>m AmYma na, dmhZm| H$s nOrH$aU g`m H$mo 30 {XZm| _|

AnS>Qo > H$aZo H$m AZwamoY, ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU
H$mo {H$`m J`m&
_moQ>a dmhZ A{Y{Z_` _| gemoYZm| go g~{YV "gwXa H$_oQ>r H$s

[anmoQ>" na CmoJ H$s {Q>n{U`m, ~r_m {d{Z`m_H$ Ama {dH$mg
m{YH$aU VWm _mb`, XmoZm| H$mo ggy{MV H$a Xr JB&
nyb {Z{Y`m|, òH$ H$nZr Ho$ nmg Ho$ ahZo Ho$, n[afX Ho$
AZwamoY H$mo, ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU Zo AZw_{V
XmZ H$a Xr& nyb emgH$ Ho$ nmg BQ>R>r hB {Z{Y`m| H$mo ^r,
dmng g~{YV H$n{Z`m| H$mo AV[aV H$a {X`m J`m&
gn{m H$mamo~ma _o gmPo {hV Ho$ _wXXm| na MMm H$aZo Ho$ {bE
Omo{I_ AH$ZH$Vm, Amng _| ~R>Ho$ H$aVo h&
`jH$amYmZ g{hVm (S>rQ>rgr) na CmoJ H$m {>H$moU Ama

{Q>n{U`m, gaH$ma, Wm`r {dm g{_{V VWm H|$r` `j H$a
~moS> (gr~rS>rQ>r) H$mo A`do{XV H$s JB&
nwZ~r_m r{_`_ na Q>r S>r Eg go g~{YV A`doXZ, {dm
_mb` VWm H$a A{YH$m[a`m| H$mo o{fV {H$E JE&
{dmr` pW{V [anmo{Q>J ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU
{Xem{ZX}e| Ho$ AZwgma H$m`mpdV H$s JB&
~r_m {Z`_mdbr 1939 Ho$ {Z`_ 17B Ho$ gmW n{R>V, ~r_m
A{Y{Z_` 1938 Ho$ n[aN>oX 40-gr Ho$ g~{YV A`dXoZ,
g_` g_` na ~r_m {d{Z`m_H$ {dH$mg m{YH$aU H$mo ôOo
OmVo aho&
emoYj_Vm AZwnmV H$s JUZm Ho$ {bE dV_mZ {d{Y go OwS>o _wXXo
~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU H$mo, {dMmamW Ho$ {bE
{ÔdmE JE&
II.6.24 gm_m`
{ZZ{b{IV na CX`moJ H$s am`, ~r_m {d{Z`m_H$ Ama {dH$mg

m{YH$aU H$mo ggy{MV H$a Xr JB h:
boIm Ama H$amYmZ g{_{V H$s {g\$m[aem| H$s OmM H$s JB Ama
OyZ 2011 _| ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU mam
CZH$m Odm~ ôO {X`m J`m&
II.6.21 g_wr
Q>amo[a_ nyb go g~{YV _wXXo, Ogo-g_yh (nyb) j_Vm H$m

A{YH$V_ Cn`moJ Am{X na MMm H$s JB Ama n[afX _o EH$
Am_ gh_{V ~ZmB JB&
II 6.23 boIm Ama H$amYmZ
II.6.20 ^maVr` _moQ>a VVr` nj ~r_m nyb (AmBE_Q>rnrAmBnr)
gdm}` `m`b` go m nam_e Ho$ AmYma na, n[afX Zo,

g_wr Xmdm| _| `w$ hmoZo dmbo, AZwWmnZ-n _|, gemoYZ H$m
H$m` hmW _| {b`m h&
II.6.22 gn{m
II.6.19 _moQ>a
2010-11
AVWbr` ZmH$mAm| (dogO) _| {H$am`m XoZo VWm Z XoZo dmbo

`m{`m| Ho$ {bE "Xo`Vm-gwajm-~r_m" Omar H$aZo Ho$ _wXXo na
n[afX _| {dMma {H$`m J`m Ama `h {ZU` {b`m J`m {H$
AVam>r` ar{V Ho$ AZwgma Ho$db gr{_V Xo`Vm gwajm (~r_m)
XmZ {H$`m OmE&
EH$sH$V {eH$m`V ~YZ Umbr&

gmYmaU ~r_m nm{bgg`m| _| "`wZrH$ nhMmZ g`m (`yAmBEZ)
em{_b H$aZm&
AmCQ>gmoqgJ H$m`m] na EgnmoOa mn&
~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU Ho$ gh`moJ go {dH${gV, ~r_m

gyMZm `yamo" (AmBAmB~r) ew hmo J`m h Ama Bg_| gX` H$n{Z`m|
H$m AmH$S>m| H$s AmZ-bmBZ AnbmoqS>J" Ama H$mamo~ma-dma [anmoQ>
V`ma H$aZo H$s j_Vm XmZ H$s Om ahr h&
gWmZ H$mJm} bmOoO (AmBgrgr) _| gemoYZ hmoZo na, CmoJ

Zo gWmZ `mnma bmOoO (AmBgrgr) H$m _wXXm CR>m`m Ama
75
2010-11
dm{fH$ [anmoQ>
II.6.25 {dnUZ (_mH}${Q>J)
n{VeV) OrdZ ~r_mH$VmAm| go g~{YV Wr, dht eof 10,048 (48

{VeV) Ja OrdZ ~r_mH$VmAm| go g~{YV Wr& ò _mM 2010 Ho$
AV _|, bmoH$nmbm| Ho$ {d{^ H$m`mb`m| _| b{~V 2,269 {eH$m`Vm|
Ho$ A{V[a$ Wr& bmoH$nmbm| Ho$ H$m`mb`m| Zo df 2010-11 Ho$ XmamZ
Hw$b 23,334 {eH$m`Vm| na H$madmB H$s&
Xya-{dnUZ hoVw {Xem {ZX}em| na CmoJ H$s am`, ~r_m {d{Z`m_H$

Ama {dH$mg m{YH$aU H$mo ggy{MV H$a Xr JB&
H$n{Z`m| Ho$ gwPmd Ama ^maVr` ~r_m gWmZ (AmB AmB AmB)
Ho$ AZwamoY na A{YH$m[a`m| H$s EH$ g{_{V Zo EO|Q>m| Ho$ narjm
AmH$S>m AmYma _| 450 Z Ama OmoS>o&
II.7.2 2010-11 _| bmoH$nmbm| Zo 17,239 {eH$m`Vo {ZnQ>mB&
BZ_o go, bmoH$nmbm| Zo 71 {VeV {eH$m`Vo, AdrH$m`/{dMma Z

H$aZo `mo` Kmo{fV H$s, Hw$b {eH$m`Vm| _| go 15 {VeV Ho$ {bE
AdmS>>g/{g\$m[aem| Omar H$s JB& BZHo$ A{V[a$ 7 {VeV {eH$m`V|
dmng bo br JB O~{H$ A` 7 n{VeV H$mo Im[aO H$a {X`m J`m&
EO|Q>m| H$s narjm hoVw {gbo~g _| gemoYZ na am` ^r, ~r_m

{d{Z`m_H$ Ama {dH$mg m{YH$aU H$mo gg{y MV H$s JB&
II.7 bmoH$nmb (Amo~S>g_Z) mam {H$E JE H$m`
II.7.3 _mM 2011 H|$ AV _|, bmoH$nmbm| Ho$ nmg, 6,095 H$aU,
II.7.1 2010-11 Ho$ XmamZ, ^maV _| \$bo ~mah bmoH$nmb H|$m| _|,
{ZU` hoVw A^r ^r b{~V h&
Hw$b 21,065 {eH$m`Vo m hB Ohm 11,017 {eH$m`Vo (52

Vm{bH$m II.14
df 2010-11 _| bmoH$nmb (Amo~S>g_Z) mam {eH$m`Vm| H$m {ZnQ>mZ
~r_mH$Vm
OrdZ
31-03-2010 2010-11 Ho$

H$mo ~H$m`m
XmamZ m
{eH$m`V|
{eH$m`V|
Hw$b
2010-11 Ho$
XmamZ {ZnQ>mB
JB {eH$m`V|
{ZZ{b{IV Ho$ _m`_ go {ZnQ>mB

Jg {eH$m`Vm| H$s g`m
(I)
(II)
(III)
31-03-2011
H$mo ~H$m`m
{eH$m`V|
(IV)
888
11017
11905
9551
846
(8.86)
586
(6.14)
627
(6.56)
7492
(78.44)
2354
Ja-OrdZ
1381
10048
11429
7688
1717
(22.33)
681
(8.86)
568
(7.39)
4722
(61.42)
3741
Hw$b
2269
21065
23334
17239
2563
(14.87)
1267
(7.35)
1195
(6.93)
12214
(70.86)
6095
{Q>nUr:
i) {g\$m[ae|/AdmS>g
iii) Im[aO
ii) dmng boZm/{ZnQ>mZ
iv) A-drH$aU/{dMma `mo` Zht
H$mo>H$m| _o {XE JE AmH$S>o, g~{YV {ZnQ>mB JB {eH$m`Vm| Ho$ {VeV H$mo XemVo h&
76
dm{fH$ [anmoQ>
2010-11
^mJ-III
m{YH$aU Ho$ gm{d{YH$ Ama {dH$mgm_H$ H$m`
~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU A{Y{Z`_, 1999 Ho$
n[aN>oX 14 (~r{d{dm A{Y{Z`_) _| m{YH$aU Ho$ H$m` Bg H$ma
{ZYm[aV {H$E JE h - ~r_m Ama nwZ~r_m H$mamo~ma H$m {d{Z`_Z,
mogmhZ VWm BZ H$mamo~mam| H$s dX{Y gw{Z[eMV H$aZm& Zo Cn`w$
n[aN>oX Ho$ Cn-n[aN>oX (2) _| m{YH$aU H$s e{$`m Ama H$m`
{ZYm[aV {H$E JE h& m{YH$aU Zo Xr JB e{$`m| H$m `moJ H$aVo hE,
df 2010-11 _|, AnZo {OZ H$m`m] H$m {Zdmh {H$`m CZH$m dUZ
A`m`-III _| {H$`m J`m h.
XmZ {H$`m& dV_mZ {dmr` df 2011-12 _| m{YH$aU Zo ES>bdrg

Q>mo{H$`m| bmB\$ Bàmoaog H$.{b. H$mo OrdZ ~r_m H$mamo~ma Ho$ {bE
nOrH$aU _mU n Omar {H$`m& BZ H$n{Z`m| Ho$ nOrH$aU Ho$ gmW
m{YH$aU Ho$ nmg nOrH$V OrdZ ~r_mH$VmAm| H$s Hw$b g`m 24
VH$ nhM JB h& gmYmaU ~r_mH$VmAm| H$s Hw$b g`m ^r 30 qgV~a
2011 H$mo 24 hr Wr& Cn`w$ Ho$ A{V[a$ EH$ am>r` nwZ~r_mH$Vm
h& ~r_m A{Y{Z`_,1938 Ho$ n[aN>oX 3"E' Ho$ AZwgma dV_mZ
OrdZ Ama Ja OrdZ ~r_m H$n{Z`m| H$mo nhbo Omar {H$E JE nOrH$aU
_mU nm| H$m ZdrZrH$aU H$a {X`m J`m h&
III.1 AmdoXH$ H$mo nOrH$aU _mU-n Omar H$aZm VWm Eogo

nOrH$aU H$m ZdrZrH$aU, gemoYZ, dmng boZm, {Zb{~V H$aZm
VWm aXX H$aZm
III 1.2 df 2010-11 Ho$ XmamZ, m{YH$aU Zo {d{^ {d{Z`m_H$
AZw~Ym| (pQ>nwboeO) H$m AZwnmbZ Z H$aZo Ho$ H$maU AmR> gmYmaU

~r_m H$n{Z`m|, nmM OrdZ ~r_mH$Vm, EH$ nwZ~u_mH$Vm VWm EH$ dm{U`
~H$ (H$manmoaoQ> EO|Q>) na XS> bJm`m h &
III.1.1 df 2010-11 Ho$ XmamZ, m{YH$aU Zo Eb ES> Q>r OZab
B`moa|g H$.{b. H$mo gmYmaU ~r_m H$mamo~ma Ho$ {bE, nOrH$aU _mUn
Vm{bH$m III.1
m{YH$aU mam bJm`m J`m Am{WH$ XS> (1 Ab 2010 go 31 _mM 2011)
H$_ ~r_m H$n{Z/H$monmoaoQ> EOoQ>
g`m H$m Zm_
Am{WH$ XS> H$s

am{e
Am{WH$ XS>
H$m {XZmH$
Mmobm_S>b_ OZab
5 bmI nò
20-7-2010 \$mBb AS> `yO {Z`_mdbr H$m nmbZ H$aZo _o Ag\$b
2.
Eg~rAmB bmB\$
10 bmI nò
3.
Q>mQ>m EAmBOr OZab
5 bmI nò
23-8-2010 2006-07 _| gm_m{OH$ jo Ho$ {bE Oar eV nwam

H$aZo _| Ag\$b
4.
ZoeZb B`moa|g
10 bmI nò
26-8-2010 \$mBb AS> `yO {Z`_mdbr VWm AmBAmaS>rE

A{Y{Z`_, 2010 Ho$ AZwN>Xo 3(2) (OZab
B`moa|g-nwZ~u_m) H$mo nmbZ H$aZo _| Ag\$b
5.
OZab B`moa|g H$manmoaoeZ
5 bmI nò
14-9-2010 {d{Zdoe A{Y{Z`_ H$m nmbZ H$aZo _| Ag\$b
6.
`yZmBQ>oS> BpS>`m
5 bmI nò
7.
B\$H$mo Q>mo{H$`mo OZab
5 bmI nò
8.
Amo[a`Q>b B`moa|g
5 bmI nò
77
CKZ H$m g{j H$maU
dm{fH$ [anmoQ>
2010-11
9.
^maVr Egm bmB\$
10 bmI nò
27-9-2010 AmBAmaS>rE A{Y{Z`_, 2010 2(Or)(1)

(^maVr` ~r_m H$nZr Zm_mH$Z) H$m CKZ
10.
^maVr Egm OZab
10 bmI nò
27-9-2010 AmBAmaS>rE A{Y{Z`_, 2010 2(Or)(1)

(^maVr` ~r_m H$nZr Zm_mH$Z) H$m CKZ
11.
[abm`g bmB\$
10 bmI nò
29-10-2010 \$mBb AS> `yO {Z`m_dbr VWm {XZmH$ 14-2-03

Ho$ ao\$ab n[an H$m nmbZ H$aZo _o Ag\$b
12.
Q>mQ>m EAmBOr bmB\$
5 bmI nò
14-12-2010 ~r_m A{Y{Z`_ 1938, Ho$ n[aN>oX 40~r Ho$ gmW

~r_m Ho$ {Z`_ 17S>r, 1939 H$m nmbZ H$aZo _o Ag\$b
13.
Mmobm_S>b_ OZab
5 bmI nò
23-02-2011 H$mnmoaoQ> EO|Q> bmBg|g JmBS>bmBZ H$m

nmbZ H$aZo _o Ag\$b
14.
goQ>b ~H$ Am\$ B{S>`m
5 bmI nò
24-02-2011 H$mnmoaoQ> EO|Q> bmBg|g JmBS>bmBZ VWm {Z`_ VWm

AmBAmaS>rE A{Y{Z`_, 2010 Ho$ 10(I)(vi)(ii)
(~r_m Mma VWm naH$Q>rH$aU)
H$m nmbZ H$aZo _o Ag\$b
15.
~OmO A{b`mO bmB\$
10 bmI nò
18-03-2011 \$mBb AS> `yO {Z`m_dbr VWm `y{bn JmBS> bmBZ

H$m nmbZ H$aZo _o Ag\$b
III.2 nm{bgr Ho$ g_ZwXoeZ, nm{bgrYmaH$m| mam Zm_mH$Z,

~r_m{hV, ~r_mXmdo H$m {ZnQ>mZ, nm{bgr H$m A`nU _y` VWm
~r_m H$s g{dXmAm| H$s A` eVm] go g~{ YV _m_bm| _| nm{bgrYmaH$m|
Ho$ {hVm| H$s gwajm
III.3 ~r_m _`Wm| Ama EO|Q>m| Ho$ {bE, Ano{jV `mo`VmAm| H$m
AmMma g{hVm, Ama `mdhm[aH$ {ejU H$m {d{ZYmaU

III.3.1 ~r_m gd} j H$ Am a hm{Z-AmH$bZH$Vm (bmBg| q gJ,
`mdgm{`H$ Amd`H$VmE VWm AmMma g{hVm) {d{Z`_, 2000,

~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU (~r_m ~mHo $g) {d{Z`_ 2002,
~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU (~r_m A{^H$VmAm| H$mo bmBg|g
XmZ H$aZm) {d{Z`_, 2000 VWm ~r_m {d{Z`m_H$ Ama {dH$mg
m{YH$aU (ZJ{_H$ A{^H$VmAm| H$mo bmBg|g XmZ H$aZm) {d{Z`_
2002 mam, ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU A{Y{Z`_,
1999 Ho$ AVJV ~ZmE JE {d{Z`_m| _|, ~r_m H$mamo~ma _| g^r _`Wm|
Ho$ {bE bmBg|qgJ Ama AmMma g{hVm H$mo n> n go {d{Z{X> {H$`m
J`m h&
III.2.1 ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU Zo Eogo {d{Z`_ ~ZmE
h, {OZ_| `h mdYmZ {H$`m J`m h {H$ ~r_mH$Vm VWm _`dVu, {~H$s

Ama Xmdo Ho$ g_` "`m H$ao", "`m Z H$a|"& BZ {d{Z`_m| Ho$ AVJV,
nm{bgrYmaH$m| H$mo godm XmZ H$aZo hoVw g_` gr_mE {ZYm[aV H$s JB
h& BgHo$ A[V[a$ {d{Z`_m| _| ~r_mH$VmAm| H$mo A{YXoe {X`m J`m h
{H$ do nm{bgrYmaH$m| H$s {eH$m`Vmo Ho$ {ZdmaU Ho$ {bE AnZo `hm EH$
^mdr V Wm{nV H$a| & ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU Zo
OrdZ ~r_m Ama Ja OrdZ ~r_m H$n{Z`m| Ho$ nm{bgrYmaH$m| Ho$ {bE
EH$ "{eH$m`V H$j" Wm{nV {H$`m h VWm d{a> ZmJ[aH$m| Ho$ {bE
AbJ go EH$ MZb ~Zm`m h {Og_| do AnZr dm` ~r_m nm{bgr`m|
Ho$ g~Y _| {eH$m`V| XO H$adm gH$Vo h& {ZYm[aV g_` gr_m Ho$
^rVa, ~r_mH$VmAm| go, nm{bgrYmaH$m| H$s {eH$m`Vm| H$m {ZdmaU H$admZo
_| EH$ ""gw{dYm Xm`H$"" H$s ^y{_H$m {Z^mZo Ho$ A{V[a$, ~r_m
{d{Z`m_H$ {dH$mg m{YH$aU, CZ _wm| H$s ^r bJmVma OmM nS>Vmb
H$aVm ahm h, {OZHo$ H$maU {eH$m`V| Cn hmoVr h, gmW hr m{YH$aU,
BZ_| go UmbrJV _wXXm| _| gwYma H$s H$m`dmB ^r H$aVm ahVm h&
III.3.2 m{YH$aU Zo 3 Ow b mB 2009 Ho $ AnZo n[an
g.AmBAmaS>rE/EO|Q>g/AmoAmaS>r/17/OwbmB 2009 Ho$ mam

ZJ{_H$ ~r_m H$m`nmbH$m| VWm EO|Q>m| H$s {ejU gWmAm| (EQ>rAmB)
H$s \$H$Q>r H$s `mo`VmAm| Ho$ ~mao _| {Xem{ZX}e Omar {H$E h& m{YH$aU
Zo {XZmH$ 14 OwbmB 2005 Ho$ n{an g. 017/AmBAmaS>rE/gwH$ ba
(n[an)/grE JmBS>bmBg/2005 Ho$ mam H$mamnmoaoQ> EO|Q>m| H$s
bmBg|qgJ Ho$ g~Y _| ^r {Xem{ZX}e Omar {H$E h &
78
dm{fH$ [anmoQ>
2010-11
III.3.3 gX^mYrZ Ad{Y Ho$ XmamZ, m{YH$aU Zo n[an Omar {H$E
III.4 gdojH$m| Ama j{V-{ZYmaH$m| Ho$ {bE AmMma g{hVm {d{Z{X>
VWm {d{Z`_m| _| {ZZmZwgma gemoYZ {H$E:
H$aZm
III.4.1 gd}jH$m| Ama hm{Z-AmH$bZH$VmAm| go, AnZm `mdgm{`H$
H$manmoaoQ> EO|Q>m| Ho$ {bE {ZYm[aV, {d{Z`m_H$ \o$_dH$ H$m

AZwnmbZ Z H$aZo dmbm| Ho$ {bE XS>-mdYmZm| H$mo em{_b H$aZo
hoVw, ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU (H$manmoaoQ> EO|Q>m|
H$m bmBg|g) (gemoYZ) {d{Z`_, 2010 &
H$m` H$aZo _| Omo `mdgm{`H$ Ama AmMma g~Yr AnojmE h, CZHo$

~mao _| EH$ AmMma g{hVm ""gd}jH$m| Ama hm{Z AmH$bZH$VmAm| Ho$
{bE ~r_m {d{Z`_mH$ Ama {dH$mg m{YH$aU {d{Z`_ 2000'' Ho$
A`m`-VI _|, {d{Z[X> H$s JB h& {d{Z`_ 15 _| ''g{hVm H$s
{dVV"" `m`m h {Og_| A` ~mVm| Ho$ gmW-gmW `h {d{Z{XQ>
{H$`m J`m h {H$ gd}jH$ AWdm hm{Z. AmH$bZH$Vm, AnZo `mdgm{`H$
H$m`m] _| AmMma nydH$ VWm g`{Z> go `dhma H$aoJm, `dgm{`H$
Ama H$mamo~mar {ZU` _| dVw{Z>m aIoJm. O~ dh {H$gr nm{bgrYmaH$
Ho$ Xmdo Ho$ g~Y _| Cgr ~r_mH$Vm Ho$ AZwXoe na H$m` H$a ahm hmo,
{OgZo {H$ nm{bgr Omar H$s Wr, Vmo ^r dh {Znj n go H$m` H$aoJm
Ama AnZo H$m` Ho$ XmamZ {OZ bmoJm| go ^r CgH$m g~Y nS>oJm CZ
g~Ho$ {V dh {dZ_Vm Ama g_mZ H$m ^md aIoJm& AmMma g{hVm _|
`h ^r H$hm J`m h {H$ gd}jH$:
~r_mH$VmAm| Ama nam_eXmVm H$n{Z`m| Ho$ ~rM g~Ym| H$mo Ama

_O~yV ~ZmZo Ho$ {bE ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU
(~r_m CnmXm| Ho$ {dVaU hoVw AmH$S>m AmYma H$m AmXmZ-XmZ)
{d{Z`_, 2010& {d{Z`_m| _| nam_eXmr gWmAm| H$mo Xo`
nm[al{_H$ H$s gr_m ^r {ZYm[aV H$s JB h, dh \o$_dH$ ^r
{ZYm[aV {H$`m J`m h {OgHo$ AVJV, nam_e gWmAm| Ama
~r_mH$mVmAm| H$mo ~r_m H$mamo~ma H$aZm h&
EH$ ~r_mH$Vm go Xygao ~r_mH$Vm _| H$manmoaoQ> EO|Q>m| Ho$ AVaU
H$s {H$`m H$mo gwMm ~ZmZo Ho$ {bE 7 OyZ, 2010 H$m n[an
g. AmBAmaS>rE/grEOrQ>rEg/grAmBAma/EbgrB/092/
06/2010 &
~r_mH$VmAm| mam ZJ{_H$ EO|Q>m| Ho$ {ZarjU Ho$ g~Y _| n[an

g. AmBAmaS>rE/grEOrQ>rEg/grAmBAma/EbgrB/093/
2010 &
14 _B 2010 Ho$ n[an mam _mZ AZwXoe Ama {Xem{ZX}e

Omar {H$E, Omo m{YH$aU mam AZw_mo{XV/AZw_mo{XV {H$E OmZo
dmbo/"AmZ-bmBZ EO|Q> {ejU gWmAm| (nmoQ>O) Ho$
AZw_moXZ/ZdrH$aU hoVw bmJy h &
AmXo e g `m AmB A maS>rE/EOrQ>rEg/Amo A maS>r/

Q>rAmaEZOr/109/07/2010. {OgHo$ mam AZwXoe Omar
{H$E JE h {H$ 31 _mM 2011 Ho$ ~mX ~r_m EO|Q>m| H$s ""^Vunyd-narjm'' Ho$ g^r H|$m| na narjmE AmZbmBZ hr br OmVr
h& ~r_m EO|Q>m| H$s ^Vu nyd-narjm XoZo dmbo C_rXdmam| go
{H$VZm narjm ewH$ {b`m OmE VWm C$ ^Vu nyd narjm
Am`mo{OV H$aZo Ho$ {bE ^maVr` ~r_m gWmZ (AmBAmBAmB)
VWm EZ EgB-AmBQ>r Ho$ ~rM `dWmAm| H$mo A{V_ n XoZo
g~Yr _wXXm| na {g\$m[aem| XoZo Ho$ {bE, m{YH$aU Zo EH$ g{_{V
H$m ^r JR>Z {H$`m &
28 OyZ, 2010 H$mo n[an g.AmBAmaS>rE/grEOrQ>rEg/

OrQ>rEb/EbgrB/106/06/2010 Omar {H$`m J`m {Og_|
H$manmoaoQ> EO|gr bmBg|g Omar H$aZo/ZdrZrH$aU H$aZo H$s
{H$`m {ZYm[aV H$s JB h.
2 _mM, 2010 H$m n[an g.AmBAmaS>rE/grEOrQ>rEg/

grAmB A ma/EbgrB / 039/03/2010, {OgHo $ mam
H$manmoaoQ> EO|gr bmBg|g m H$aZo Ho$ {bE Eogo `{$`m| go
m AmdoXZ nm| na {Xem{ZX}e Omar {H$E JE, Omo Eogo Jwn go
g~{YV h, Omo nhbo go hr H$manmoaoQ> EO|Q>m|/~moH$am| Ho$ n _|
H$màV h&
79
H$moB Eogm H$m`, drH$ma `m {Znm{XV Zht H$aoJm, {Ogo H$aZo

Ho$ {bE dh gj_ Zht h &
AnZm `mdgm{`H$ H$m` nyao {ddoH$, gmdYmZr VWm Hw$ebVm go
H$aoJm Ama VH$ZrH$s VWm `mdgm{`H$ {d{Y`m| Ho$ `moJ go
H$aoJm &
AnZo {H$E JE H$m` H$m A{^boI ha g_` ~ZmE aIoJm VWm
g~{YV H$mZyZm| H$m nmbZ H$aoJm &
AnZo gh`mo{J`m| H$mo `mdgm{`H$ `mo`Vm m H$aZo _| _XX
H$aoJm Ama mogm{hV H$aoJm Ama Bg g~Y _| 12 _hrZo Ho$ {bE
_wV Am{Q>H$b{en Ama `mdhm[aH$ {ejU XmZ H$aoJm&
mdYmZ {H$E JE AZwgma gd}jU H$m` H$m a{OQ>a aIoJm &
AnZr {Z`w{$ H$s ~mV g^r njm| Ho$ gm_Zo H$Q> H$aoJm Ohm {H$
Bg H$ma Ho$ H$m`JhU Ho$ drH$m` `m Cg_| ~Zo ahZo go, H$m\$s
nydmJh nXm hmo `m {H$gr ^r g~ nj Ho$ {hVm| H$mo J^raVm go
^m{dV H$aVm hmo &
AnZo `mdgm{`H$ H$m_H$mO Ho$ XmamZ JmhH$ AWdm {Z`moOH$
AWdm nm{bgrYmaH$ Ho$ ~mao _| m {H$gr ^r OmZH$mar H$mo,
Amd`H$ gh_{V Ho$ ~Ja, {H$gr ^r A` Vrgao nj H$mo ~VmEJm
Zht&
VWm AnZo H$m_H$mO Ho$ XmamZ m `m br JB {H$gr ^r JmonZr`
OmZH$mar,H$mo, AnZo `m {H$gr Vrgao nj Ho$ bm^ Ho$ {bE Z Vmo
Cn`moJ _| bmEJm, Z Cn`moJ _| bmVm {XIoJm &
dm{fH$ [anmoQ>
2010-11
III.4.2 ~r_m jo _| Ama AmJo gwYmam| Ho$ $n _| gd}jH$m| Ho$ ~rM
III.6.2 ~r_m H$n{Z`m| Ho$ gwMm H$m`MmbZ VWm nm{bgrYmaH$m| Ho$
`mdgm{`H$Vm H$mo mogm{hV H$aZo H$s {> go ^maV gaH$ma Ho$

A{YXoemZwgma ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU Zo ""^maVr`
~r_m gd}jH$ Ama j{V{ZYmaH$ gWmZ"" H$s WmnZm H$mo mogm{hV
{H$`m&
{hVm| H$s gwajm Ho$ {bE m{YH$aU Zo {ddgZr` g_` ~XY Ama ghr
AmH$S>m| H$s OaV H$mo nhMmZZm h& {d{^ Q>oH$hmoS>am| Ho$ bm^ Ho$
{bE CnbY AmH$S>m| H$mo mogog H$aZo VWm Ch| gm[aV H$aZo Ho$
{bE m{YH$aU Zo, 15 Ay$~a 2009 H$mo EH$ nam_e ~moS> Ho$ n _|
~r_m - gyMZm- `yamo H$m JR>Z {H$`m &
III.4.3 m{YH$aU Zo 2010-11 _| {ZZ{b{IV n[an Omar {H$E:
III.7 A{Y{Z`_ Ho$ `moOZm| H$mo H$m`pdV H$aZo Ho$ {bE ewH$
~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU Ho$ 5 AJV 2010 Ho$

n mam bmBg|grH$V gd}jH$mo go g~{YV {d{^ _wXXm|, Zm_V:
dJm] H$m AnJoS>oeZ bmBg|grH$V gd}jH$m| H$mo Am~{Q>V {d^mJm|
_| {V~Y hQ>mZm, gd}jH$m| H$mo, Am~{Q>V dJ Ho$ AnJoS>oeZ Ho$
{bE {ejU Ama narjm g~Yr Amd`H$VmAm| Ho$ ~mao _| AnZo
{ZU`m| H$mo gy{MV {H$`m&
(\$sg) VWm A` Vah Ho$ ewH$ bJmZm

III.7.1 ~r_m A{Y{Z`_ Ho$ n[aN>oX 3 mam Xr JB e{$`m| Ho$ AZwgma
~r_mH$VmAm| VWm ~r_m H$mamo~ma go OwS>o A` _`Wm| go, m{YH$aU,

nOrH$aU Ama ZdrH$aU ewH$ boVm h& VWm{n 50,000 nE H$m
nOrH$aU ewH$ nOrH$aU _mUn XmZ H$aVo g_` dgyb {H$`m
OmVm h Ama CgHo$ ~mX Zht {b`m OmVm& ~r_m H$n{Z`m| Ho$ {bE
^maV _| hE gH$b `j H$mamo~ma Ho$ 1{VeV Ho$ Xgd| {hgo AWdm
50,000 nò, BZ_| go Omo ^r A{YH$ hmo nOrH$aU Ho$ ZdrH$aU
ewH$ Ho$ n _| {b`m OmVm h & `h am{e 5 H$amoS> go A{YH$ Zht hmoZr
Mm{hE & nwZ~r_mH$Vm Ho$ _m_bo _|, `h ewH$, nwZ~u_mH$Vm mam ^maV
_| {H$E JE dH$b{nH$ H$mamo~ma Ho$ AmYma na ^m[aV {H$`m OmVm h &
Eogm ~r_m gbmhH$ma n[afX Ho$ AZw_moXZ Ho$ CnamV \$adar 2003 _|
Omar ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU (^maVr` ~r_m H$n{Z`m|
H$m nOrH$aU) {d{Z`_, 2000 Ho$ {d{Z`_ 20 Ho$ n[aUm_dn
{H$`m J`m h & \$adar 2003 _o gemoYZ Ho$ n`mV BZ ewH$mo _| H$moB
gemoYZ Zht {H$`m J`m &
Ho$db bmBg|g _| {d{Z{X> H$mamo~ma dJ Ho$ {bE hr gdm}jH$m|

Ama j{V{ZYmaH$m| H$s {Z`w{$ Ho$ ~mao _| ~r_m {d{Z`m_H$ Ama
{dH$mg m{YH$aU H$m {XZmH$ 27 AJV 2010 H$m n[an&
gd}jH$m| Ama jV{ZYmaH$m| H$s g{_{V Ho$ JR>Z na ~r_m {d{Z`m_H$
Ama {dH$mg nm{YH$aU H$m 20 qgV~a 2011 H$m AmXoe&
III.5 ~r_m H$mamo~ma MbmZo _| j_Vm H$mo mogmhZ

III.5.1 m{YH$aU Zo ~r_m H$mamo~ma MbmZo _| XjVm H$mo ~T>mZo Ho$ {bE
H$B ZE `mg {H$E&
III.8 ~r_mH$VmAm|, _`Wm|, ~r_m _`Wm| VWm ~r_m H$mamo~ma
III.5.2 Mmoar hE Ama ~mX _| ImoO {bE JE dmhZm| Ho$ ~r_mH$VmAm| H$s
nhMmZ Ho$ {bE nw{bg H$s ghm`Vm Ho$ {bE m{YH$aU Zo ""Mmoar hE
dmhZm| H$s dgybr gyMZm Umbr"" Zm_H$ EH$ ZB Umbr ew H$s h&
BgHo$ Abmdm Eg E_ Eg AmYm[aV dmhZ ~r_m pW{V gyMZm Umbr
Ho$ {bE gmQ>doà V`ma H$aZo H$m H$m` nyam hmo MwH$m h Ama gmQ>doà
OXr hr ew H$a {X`m OmEJm&
go OwS>r A` gWmAm| go OmZH$mar _JmZm, CZH$m {ZarjU H$aZm,

CZH$s OmM VWm Bdmàr H$aZm VWm gmW hr CZH$s boImnarjm H$aZm&
III.8.1 Bg jo Ho$ IwbZo Ho$ ~mX ~r_m H$n{Z`m| Ho$ n[aMmbZ H$m `h
`mahdm df Wm& {dmr` df 2010-11 go m{YH$aU Zo `mnH$

Wbr`-{ZarjU ma^ {H$E & df 2010-11 Ho$ XmamZ 9 OrdZ
Ama 10 Ja OrdZ ~r_m H$n{Z`m| H$m {dVV {ZarjU {H$`m J`m.
BgHo$ A[V[a$ 14 _`Wm|/~moH$am|/H$manmoaoQ> EO|Q>m| H$m {ZarjU
{H$`m J`m VWm 5 Q>r nr E H$s JB. m{YH$aU Zo ma{jV {Z{Y`m| H$s
n`mVm, {Zdoe n[aMmbZm| Ogo {d{e> `moOZm| hoVw ^r {ZarjU {H$E&
Ogm {H$ JV [anmoQ> _| H$hm J`m h {H$ dX{Yerb n`dojH$s` ggmYZm|
go {ZarjU {d^mJ H$mo _O~yV ~Zm`m J`m h, {Oggo {ZarjUm| H$s
g`m ~T>r h Ama Bggo CZ H$n{Z`m| H$m ^r {ZarjU g^d hmo nm`m
h {OZH$m {ZarjU nhbo Zht {H$`m J`m Wm Ama gmW hr CZ H$n{Z`m|
H$s ^r Omo nyOr n`mVm, Omo{I_ ~YZ JdZ}g VWm r{_`_ AmH$ma
Ho$ {hgm~ go H$_Omoa _mZr OmVr h&
III.6 ~r_m Ama nwZ~r_m H$mamo~ma Ho$ gmW OwS>r `mdgm{`H$
gWmAm| H$mo mogm{hV Ama {d{Z`{_V H$aZm&

III.6.1 ~r_m CmoJ Ho$ gwMm {dH$mg Ho$ {bE OrdZ ~r_m n[afX
VWm gmYmaU ~r_m n[afX go, CmoJ Ho$ {dH$mg Ho$ _hdnyU jom| _|,
CmoJ H$mo AnZm [Q>H$moU VwV H$aZo _o H$m\$s _XX {_boJr & Bgr
gX^ _| m{YH$aU mam bmBg|g Xm ~moH$am| H$m, AmdH$V: ^maVr`
~r_m ~moH$a Egmo{gEeZ (AmB ~r E AmB) H$m gX` ~ZZm Oar h&
80
dm{fH$ [anmoQ>
III.9 Cn gmYmaU ~r_m H$mamo~ma Ho$ AVJV ~r_mH$Vm mam CnbY
2010-11
H$s {d{^ lo{U`m| _|, m{YH$aU mam bJ^J 250 "ES>-AmZ-H$dg"

AZw_mo{XV {H$E JE&
H$amB Om gH$Zo dmbr Xa|, bm^, {Z`_ Ama eV] Omo ~r_m A{Y{Z`_
1938 (4/1938) Ho$ AZwN>Xo 64 `y Ho$ AVJV ewH$ gbmhH$ma
g{_{V mam {Z`{V d {d{Z`{_V Zhr h
III.10 ~r_mH$VmAm| VWm A` mam, boIm nwVH|$ H$go aIr OmE
Ama boIm {ddaU H$go VwV {H$E OmE, CgH$m dn VWm ar{V
{ZYm[aV H$aZm
III.9.1 _moQ>a VVr` njH$ma H$da H$mo N>moS> H$a ewH$ H$mamo~ma H$s
g^r lo{U`m| Ho$ {bE 1 OZdar, 2007 go Ja-OrdZ CX`moJ Ho$ {bE
ewH$ hQ>mZo Ho$ gmW hr, CnmXm| Ho$ _y`{ZYmaU go ~r_m H$n{Z`m|
H$s dVVm H$m amVm Iwb J`m& _moQ>a VVr` njH$ma H$da Ho$ {bE
Omo _moQ>a dmhZ A{Y{Z`_ 1988 Ho$ mdYmZm| Ho$ AVJV Ano{jV
EH$ gm{d{YH$ ~r_m H$da h, m{YH$aU Zo Xao VWm eV] {ZYm[aV H$aZo
H$s e{$ AnZo nmg aIr h &
III.10.1 m{YH$aU nmaX{eVm VWm H$Q>Zm| _| gwYma bmZo Ho$ {bE
H$m\$s Cnm` A{YXo{eV {H$E h& BZ {ZYmaUm| _| do {ZYmaU ^r em{_b

h, Omo {dmr` {ddaUm| _| A{V[a$ H$Q>Zm| VWm OZ-jom| (npbH$
S>mo_oZ) go g~{YV h& OZjom| _| do H$Q>Z ^r em{_b h Omo ~r_m
H$n{Z`m| H$s g~{YV do~gmBQ>m| VWm Amd{YH$ AmYma na g_mMma
nm| _| {XE OmVo h&
III.9.2 `h gw{ZpMV H$aZo Ho$ {bE {H$ VVr` njH$ma _moQ>a ~r_m,
{Ogo "Ho$db Xo`Vm H$da" ^r H$hm OmVm h, _w`V: dm{Up`H$ dmhZm|
Ho$ {bE CnbY H$am`m OmVm h& m{YH$aU Zo dm{Up`H$ dmhZm| Ho$
{bE EH$ "^maVr` _moQ>a VVr` njH$ma ~r_m nyb' H$m JR>Z {H$`m h&
Bg _moQ>a nyb H$s WmnZm go _moQ>a VVr` njH$ma Omo{I_m| Ho$ boIZ
Ama ~YZ _| g^r ~r_mH$VmAm| H$m gh^mJrd gw{ZpMV hAm h &
nyb H$m ~YZ gmYmaU ~r_m {ZJ_ mam {ZYm[aV ewH$ boH$a {H$`m
OmVm h & VVr` njH$ma _moQ>a ~r_m H$da Ho$ {bE gemo{YV Xa| m{YH$aU
Zo 15 Ab, 2011 H$mo A{Ygy{MV H$s Ama ZB Xa| 21 Ab,
2011 go n^mdr hmo MwH$s h &
III.10.2 2009-10 go g^r ~r_mH$VmAm| H$mo {V_mhr Ama dm{fH$

AmYma na H$Q>m| H$s pW{V H$m AZwnmbZ H$aZm Amd`H$ h&
AZwnmbZm| H$s n[Q> na AmYm[aV _mUZ H$s {Xem _| EH$ H$X_ AmJo
~T>mVo hE m{YH$aU Zo g^r ~r_mH$VmAm| H$mo gy{MV {H$`m {H$ do
g~{YV {V_mhr H$s g_m{ Ho$ 60 {XZm| Ho$ ^rVa, AZwnmbZ _mUn \$mBb H$a| &
III.10.3 nm{bgrYmaH$m| Ho$ {hVm| H$s gwajm H$mo Ama _O~yV ~ZmZo Ho$
{bE VWm {dmr` {ddUam| _| H$Q> g~Yr AnojmAm| H$mo ~T>mZo Ho$ {bE
m{YH$aU Zo, ~r_mH$mVmAm| H$mo A{YXo{eV H$aVo hE n[an Omar
{H$`m h {H$ do nm{bgr YmaH$m| go g~{YV "A-Xm{dV am{e`m|" H$mo
~Q>Q>o ImVo _o Z S>mb| VWm H$Q>Z hoVw, AZwgyMr 13 Ho$ AVJV EH$
AbJ "bmBZ AmBQ>_" H$m ^r mdYmZ {H$`m h & Cn`w$ Ho$ A{V[a$
BZH$m "Ad{Y-dma-~oH$-An' dm{fH$ [anmoQ> Ho$ ^mJ Ho$ n _| Xr
OmZo dmbr {Q>n{U`m| _| ^r {X`m OmZm Ano{jV h&
III.9.3 AV: _moQ>a VVr` nj Omo{I_m| H$mo N>moS> H$a, & OZdar,
2007 H$mo `m CgHo$ ~mX go ^mdr, A` ZE ~r_m| VWm ZdrH$aUm| Ho$

_m_bo _| g~{YV ~r_mH$Vm, nm{YH$aU Ho$ nmg \$mBb H$s JB Xa
AZwgy{M`m| VWm Xam| go g~{YV {Xem{ZX}em| Ho$ AgwZma, r{_`_ H$s
Xa| H$moQ> H$aZo Ho$ {bE dV h& 28 {gV~a, 2006 Ho$ n[an g.
021/AmBAmaS>rE/E\$ES>`y/qg.06 Ho$ namJm\$ 19({d) Ho$ AVJV
AmZo dmbo ~S>o Omo{I_m| Ho$ n _| nm, Omo{I_m| H$mo, Chr Xam| Ama
eXm] na ~r{_V {H$`m OmZm h Ogm {H$ nwZ~u_mH$VmAm| mam {H$`m
OmVm h. Bg_| H$moB {d{^Vm Zhr hmoZr Mm{hE&
III.10.4 ~r_m {Z`_mdbr, 1939 Ho$ {Z`_ 17B _| Ja-OrdZ ~r_m

H$n{Z`m| Ho$ g~Y _|, ~YZ Ho$ AZw_V IMm] H$s JUZm H$s ar{V,
{ZYm[aV H$s JB h & BZ IMm] Ho$ {ddaU, m{YH$aU H$mo {anmoQ> {H$E
OmZo Amd`H$ h& [anmo{Q>J _| EH$nVm bmZo H$s {> go m{YH$aU Zo
AZw_V IMm] H$s JUZm Ho$ {bE `w$ {H$E OmZo dmbo Hw$N> eXm| H$mo
nm[a^m{fV {H$`m h Ama dm{fH$ AmYma na [anmo{Q>J Ho$ {bE \$m_}Q> ^r
{d{Z{X> {H$`m h& `hm `h _aUr` h {H$ OrdZ ~r_m H$n{Z`m| Ho$
{bE, Bg Vah H$m {anmo{Q>J \$m_}Q> nhbo go hr ~Zm hAm h &
III.9.4 BgHo$ A{V[a$, 1 OZdar, 2009 go, m{YH$aU Zo, A{,

B O r{Z`[a J , Am mo { JH$ g^r Omo { I_ (AmBEAma)VWm _mo Q >a
(d`j{V) _| H$mamo~ma H$s nyddVu ewH$ lo{U`m| Ho$, H$daoO H$s
eVm] _|, Ny>Q> H$s AZw_{V Xr h& Cn`w$ Ny>Q> Ho$ H$maU, m{YH$aU H$mo
ZB H$dg Ho$ Vmd m hmo aho h Omo {H$ H$daoO H$mo ~T>mZo Ho$ {bE
Cn`w$ H$mamo~ma lo{U`m| _| "ES> AmZ H$dg" Ho$ n _| h& ~r_mH$VmAm|
H$mo, _mZH$ H$dg Ho$ H$mon H$mo nyddVu ewH$m| _| {d{ZYm[aV {dH$nm|
go nao, nyddVu ewH$m| Ho$ AVJV CnbY _mZH$ H$dg go, g{j
H$aZo H$s AZw_{V Zhr h & df 2009-10 VWm 2010-11 _| ~r_o
III.10.5 gaH$mar jo Ho$ C_ g^r Ja-OrdZ-~r_mH$VmAm| Zo, df

2010-11 hoV,w doVZ gemoYZ H$m`m{dV H$a {X`m h& BgHo$ A[V[a$
^maV gaH$ma Zo ^r, Jo`yQ>r ^wJVmZ A{Y{Z`_, 1972 Ho$ AVJV
Jo `yQ>r H$s A{YH$V_ gr_m _| dX{ Y H$a Xr h & CmoJ go m A`doXZ
Ho$ AmYma na m{YH$aU Zo, ~r_mH$VmAm| H$mo, Jo`yQ>r Ho$ H$maU ~T>r
81
dm{fH$ [anmoQ>
òX`Vm H$mo nmM df H$s Ad{Y _| n[aemo{YV H$aZo H$s AZw_{V XmZ
H$a Xr h, ~eV}, {H$ Bg Ame` H$m g_w{MV H$Q>Z, boIm| H$s {Q>n{U`m|
_| {H$`m OmVm h &
2010-11
B{$Q>r Ym[aV H$Q>Z

III.10.9 ~r_mH$VmAm| Ho$ ~r_m H$nZr VWm mo_moQ>am| H$s B{$Q>r Ym[aVm
na {Z{_V ^ma, {Jadr, ^ma AWdm {Z{_V A` {H$gr MmO H$s

OmZH$mar o{fV H$aZr Amd`H$ hmoVr h. ò H$Q>Z, {V_mhr AmYma
na m{YH$aU Ho$ nmg \$mBb {H$E OmZo Ano{jV hmoVo h&
{ZJm{_V emgZ (H$manmoaoQ> JdZ]g) na H$Q>Z

III.10.6 ~r_m jo hoVw {ZJ{_V emgZ ({Z.em.) na {Xem {ZX}e, df
III.11 ~r_m H$n{Z`m| mam {Z{Y`m| _| {H$E OmZo dmbo {Zdoe Ho$
2009-10 go ~r_m jo Ho$ {bE bmJy H$a {XE JE h& BZ {Xem{ZX}em|

_| ~moS> H$s {d{^ g{_{V`m| Ho$ JR>Z CZH$s gaMZm VWm CZH$s
^y{_H$mAm| Ama CmaXm{`dm| g~Yr A{YXoe {XE JE h& {Z.em.
{Xem{ZX}em| _| `h ^r {g\$m[ae H$s JB h {H$ ~r_mH$Vm AnZo H$m`mb`m|
_| "phgb bmoBJ" Zr{V ^r Wm{nV H$ao & {ZJ{_V emgZ {Xem{ZX}em|
Ho$ AVJV, A{V[a$ H$Q>Z ^r {d{ZYm[aV {H$E JE h & H$Q>Z
AnojmAm| H$mo gjon _|, ZrMo VwV {H$`m J`m h:
{dH$mg m{YH$aU ({Zdoe) {d{Z`_mdbr Ho$ AVJV, ~r_m H$n{Z`m|

mam {Z{Y`m| _| {Zdoe Ho$ ~mao _| H$B _hdnyU n[adVZ {H$E df
2010-11 _| BZ_| H$moB n[adVZ Zhr {H$`m J`m.
{dmr` df _|, {Xem {ZX}em| _|, A{YXo{eV, {ZXoeH$-_S>b Ama

g{_{V`m| H$s Am`mo{OV ~R>H$m| H$s g`m;
III.12 'emoYj_Vm _m{OZ" Ho$ aI aImd H$m {d{Z`_Z
{ZXoeH$ _S>bm| Ama g{_{V`m| H$s gaMZm H$m {ddaU {Og_|

Zm_, `mo`Vm, {deofkVm jo, {ZXoed Ho$ XO} B`m{X H$m
{ddaU hmo;
òH$ ~r_mH$Vm H$mo EH$ Ano{jV, emoYj_ _m{OZ ~ZmE aIZm hmoVm
h & m{YH$aU g_`-g_` na, {d{^ H$mamo~ma jo Ho$ {bE, ""emoYj_
_m{OZ AnojmAm| H$s g_rjm H$aVm h, VWm Ohm Amd`H$Vm hmoVr h
dhm BZ_| n[adVZ H$aVm h & m{YH$aU Zo Q>_ CnmXm| Ho$ {bE F$UemoYZ
j_Vm aIZo H$s Amd`H$Vm Ho$ {dMma na `mZ Xo ahr h& Vm{H$
~r_mXmVm Zò qbH$S> `dgm` Ho$ jo _| F$UemoYZ j_Vm H$s
Amd`H$Vm na {dMma {H$`m h Ama Bg g~Y _| Hw$N> H$maH$ gwOmò h
Omo 31 qXg~a 2008 go ^mdr hmo Jò h& BgHo$ gmW hr, OrdZ
~r_m XmVmAm| H$mo {Zdoe g~Yr pH$nmBO OmZH$mar XoZo Ho$ gmW hr
31 _mM 2009 VH$ H$s ~r_m{H$H$ _y`mH$Z g~Yr {ddaU XoZo hm|Jo&
CgHo$ ~mX {d{Z`m_Z _| H$moB gemoYZ Zhr {H$`m J`m&
g~Y _| {d{Z`_Z
III.11.1 m{YH$aU Zo JV df 2009-10 _|, ~r_m {d{Z`m_H$ Ama
III.12.1 ~r_m A{YZ{`_, 1938 Ho$ n[aN>oX 64 dr E Ho$ AZwgma,
{ZXoeH$m| VWm g~{YV g{_{V`m| Ho$ gX`m| Zo {OVZr ~R>H$m| _|

^mJ {b`m CZH$s g`m;
dV {ZXoeH$m| H$mo ^wJVmZ {H$`m J`m nm[al{_H$, `{X H$moB hmo
Vmo, {ddaU g{hV&
III.10.7 {ZJ{_V emgZ {Xem{ZX}em| Ho$ AZwnmbZ na {ZJamZr aIZo
H$s [> go, m{YH$aU Zo, 2010-11 go, òH$ {dVr` df Ho$ AV
_|, ~r_mH$VmAm| mam AZwnmbZ OmM gyMr \$mBb H$aZo H$s Wm ew
H$s h &
III.12.2 Ja-OrdZ ~r_m jo Ho$ {bE m{YH$aU Zo, "Ano{jV emoYj_
_m{OZ (AmaEgE_) H$s JUZm" _| n[adVZ {H$E h Omo {H$ A{YH$V_

nMmg H$amoS> hmoJm (nwZ~r__mH$Vm Ho$ {bE EH$ gm H$amoS> nE) AWdm
AmJ{UV Ama Eg E_-1 Ama Ama Eg E_-2 _| Omo ^r A{YH$ hmo&
Ama Eg E_-1 {Zdb r{_`_m| na AmYm[aV"" Ano{jV emoYj_
_m{OZ'' h {OgH$m {ZYmaU Bg H$ma hmoVm h - gH$b r{_`_m| H$m
~r_m {VeV Ama EH$ \$Q>a go JwUm VWm {Zdb r{_`_ go Omo
A{YH$ am{e hmo& Ama Eg Eg-1 H$s JUZm Ho$ `moOZ go H${_H$
AmYma na, JV 12 _mh H$m r{_`_ {b`m OmEJm& Ama E_ Eg-2,
{Zdb Cn{MV Xmdm| na AmYm[aV Ano{jV emoYj_ _m{OZ h Omo {H$
gH$b Cn{MV Xmdm| _o go Omo ^r CVa am{e hmoJr CgHo$ Vrg {VeV
go EH$ \$Q>a go JwUm H$a VWm {Zdb Cn{MV Xmdm| go {ZYm[aV H$s
OmEJr.
_`Vm| H$mo ^wJVmZ H$m H$Q>Z

III.10.8 n[aN>oX 31~r (1) Ho$ AVJV ~ZmE JE ~r_m H$mZyZ _|,
m{YH$aU H$mo, H$_reZ AWdm A` {d{Y mam, {H$gr `{$ H$mo,

A`{YH$ nm[al{_H$ XoZo na {V~Y bJmZo H$s e{$ XmZ H$s h&
Bg na {ZJamZr aIZo Ho$ {bE m{YH$aU Zo {XZmH$ 2 OyZ, 2010 Ho$
n[an gX^ AmBAmaS>rE/E\$ES>AmB/grAmBAma/S>mQ>m/091/
06/2010 Ho$ AVJV, g^r ~r_mH$Vm H$n{Z`m| H$mo gy{MV {H$`m h
{H$ do _`d{V`m| H$mo {H$E JE ^wJVmZm| H$m {ddaU, dm{fH$ AmYma na
o{fV H$a|, ~H$ E`moa|g MZb Ho$ AVJV Bgr H$ma Ho$ {ddaU A
dm{fH$ AmYma na _JdmE OmVo h& Bg H$ma go m {ddaU, ^wJVmZm|
H$s A{YH$V_ gr_m g~Y r {d{^ eVm] H$s AZwnmbZ OmM Ho$ AYrZ
hmoVo h& BZ g`mnZm| _| gm_Zo AmE Ja-AZwnmbZ, Cn`w$ H$madmB
Ho$ {bE, OmM Ho$ AYrZ hmoVo h&
82
dm{fH$ [anmoQ>
II.12.3 dm` ~r_m H$mamo~ma H$mo mogm{hV H$aZo Ama dm`
2010-11
~r_m H$mao~ma H$s Anmd{Y H${V H$mo XoIVo hE m{YH$aU Zo, gmYmaU
~r_mH$VmAm| H$mo, AnZo dm` ~r_m H$amo~ma hoVw emoYj_Vm H$s
JUZm Ho$ g~Y _| {ZZ{b{IV Ny>Q>| XmZ H$s h:
EO|grO bXZ go ^mar dgybr Ho$ EH$ Xmdo Ho$ g~Y _|, X Amo[a`|Q>b
B`moa|g H$.{b. go EH$ {eH$m`V m hB& m{YH$aU Zo XmoZm| njm|
H$s gwZdmB 5 _mM, 2010 H$mo aIr& gwZdmB Ho$ XmamZ njH$mam| mam
{b{IV Vw{V`m noe H$a Xr JB _m_bo H$s OmM Omar h &
_oJmQ>mn B`moa|g ~moH$g m.{b. ~Zm_ H${f ~r_m H$.br.
dm` KQ>H$ AWdm g_m Omo{I_ hoVw ma{jV {Z{Y`m| H$s

JUZm Ho$ {bE ~r_m A{Y{Z_, 1938 Ho$ n[aN>oX 64(1)(2)
(~r) H$s Amd`H$Vm _| VrZ dfmo, AWmV 2012-13 VH$ H$s
Ny>Q> XmZ H$s JB h& `h Ny>Q> ew _|, 2008-09 _| ma^ H$s
JB Wr&
(E_AmB~rEb) Ho$ [Ibm\$ ^maVr` H${f ~r_m H$.{b. Ho$ "A`jgh-~Y {ZXoeH$" go EH$ {eH$m`V m hB {Og_| Amamon bJm`m
J`m h {H$ _mg_ AmYm[aV \$gb ~r_m `moOZm Ho$ g~Y _| E_ AmB ~r
Eb Zo, {d{^ H$ma H$s J^ra A{Z`{_mmE H$s h& m{YH$aU Zo E_
AmB ~r Eb H$m bmBg|g {Zb{~V H$a {X`m Ama CgHo$ {Ibm\$
B`màr ew H$a Xr {OgH$a OmM nyar hmo MwH$s h Ama [anmoQ> H$s
EH$-EH$ {V Cmam| H$s OmM H$s Om ahr h.
gaH$mar m` am{e`m| Ho$ n[anon _|, n[agn{m`m| H$s JmVm

Ho $ g ~ Y _| , ~r_m {d{Z`m_H$ Am a {dH$mg m{YH$aU
(~r_mH$VmAm| H$s n[agn{m`m, Xo`VmE Ama emoYj_ _m{OZ)
{d{Z`_mdbr 2000 Ho$ {d{Z`_ 2(1)(E) Ho$ mdYmZm| _|
A{YH$V_ 180 {XZ H$s Ny>Q> XmZ H$s JB h &
H$s Be`moa|g ~moH$g m.{b. ~Zm_ X Amo[aEQ>b B`moag H$nZr

nm.{b.
III.12.4 _moQ>a Q>r.nr. nyb Ho$ g~Y _| emoYj_ _m{OZ Ho$ AmH$bZ
H$s ar{V _| EH$nVm bmZo H$s {> go m{YH$aU Zo EH$ n>rH$aU
Omar {H$`m {H$ _moQ>a Q>rnr nyb Ho$ g~Y _| gH$b r{_`_ H$s n[a^mfm
`h hmoJr "_moQ>a Q>r nr nyb go m nwZ~u_m (dmngr) VWm Cn{MV
gH$b Xmdo H$mo nwZ: nwZ~u_o Ho$ Cn{MV Xmdo Ho$ $n _| _mZm/{b`m
OmEJm"" &
H$s Be`moa|g ~moH$g m.{b. Ho$ {Ibm\$ X Amo[aEQ>b B`moag H$nZr

nm.{b. go {eH$m`V m hB Wr, {Og_| _gO d^d nH|$qOJ H$s
Q>S>S> \$mà ES> noeb no[aO nm{bgr Ho$ AVJV [anmoQ> {H$E JE
bJ^J 4 bmI nE H$s YmoIm YS>r Ho$ Xmdo _| ~moH$a H$s {_br^JV
hmoZo H$m Amamon bJm`m Wm& `h nm{bgr ~moH$a mam Amo AmB gr Eb,
emIm H$m`mb` Jm{O`m~mX go {XbdmB JB Wr & m{YH$aU Zo ~r_mH$Vm
go m {eH$m`V H$s OmM H$s & OmM [anmoQ> Ama ~moH$a mam {XE JE
n>rH$aU na {dMma H$aZo Ho$ CnamV m{YH$aU Zo EH$ "H$maU ~VmAm|"
Zmo{Q>g Omar {H$`m VWm ~moH$a H$mo `{$JV gwZdmB H$s AZw_{V XmZ
H$s & A^r _m_bo H$s OmM Omar h &
III.13 ~r_mH$VmAm| Ama _`Wm| AWdm ~r_m _`Wm| Ho$ ~rM
{ddmXm| H$m `m` {ZU`Z

III.13.1 ~r_m {d{Z`m_H$ {dH$mg m{YH$aU (~r_m ~moH$g) {d{Z`_,
2002 Ho$ {d{Z`_ 4(2) Ho$ AZwgma, ~r_m ~moH$a Ho$ n _| H$m`
gb hmoZo Ho$ g_` `m A` H$ma go {H$gr ~r_m ~moH$a VWm ~r_mH$Vm
AWdm {H$gr A` `{$ Ho$ ~rM H$moB {ddmX Cn hmoVm h Vmo CgHo$
~mao _| ^m{dV `{$, m{YH$aU H$mo [eH$m`V H$a|, Ama {eH$m`V
AWdm A`doXZ {_bZo na m{YH$aU, {eH$m`V H$s OmM H$ao Ama
`{X O$aV g_Pr OmE Vmo BZ {d{Z`_m| Ho$ AZwgma B$màr, {ZarjU
AWdm OmM H$a| &
III.14 ewH$ gbmhH$ma g{_{V (Q>rEgr) Ho$ H$m`m] H$m n`dojU

III.14.1 1 OZdar, 2007 go gmYmaU ~r_m H$mamo~ma H$m A-
ewH$Z (S>r-Q>[aq\$J) hmoZo Ho$ ~mX, Ja-OrdZ-~r_m jo _| Xam|,

eVm] Am{X H$mo {Z`{V H$aZo H$s ewH$ gbmhH$ma g{_{V H$s,
{d{Z`m_H$ Ama emg{ZH$ ^y{_H$m A~ {dm_Z Zht ahr& H$_Mm[a`m|
go OwS>o _wXXm| H$mo erKVm go {ZnQ>mZo H$s {> go `h Amd`H$ Wm {H$
Q>m\$ Ho$ nwZn[a{Z`moOZ ([a{S>bm`_|Q>) Ho$ ~mao _| Ho$ gaH$ma VWm
m{YH$aU erK Ama n> H$moB {ZU` bo& AV: Ho$ gaH$ma Zo Q>r E
gr Ho$ dV_mZ H$_Mm[a`m|, CZH$s Ama godm {Zdm H$_Mm[a`m| H$s
Xo`VmAm| Ama A{Yeof H$mo gmYmaU ~r_m H$n{Z`m| _| ~mQ>Zo, VWm
A` H$moB H$m` ~Mm hmo Vmo, Cgo H$aZo Ho$ {bE, EH$ g{_{V H$m JR>Z
{H$`m& Ho$ gaH$ma Ho$ AmXoe _|, eof ~Mo H$m`m] VWm ewH$ gbmhH$ma
g{_{V Ho$ `m`bm` H$aUm| H$m H$m` ~r_m {d{Z`m_H$ Ama {dH$mg
m{YH$aU H$mo gmnm J`m.
III.13.2 ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU, 1999 Ho$ n[aN>Xo
14 (E_) Ho$ VhV AnZr e{$`m| H$m `moJ H$aVo hE, m{YH$aU Zo
~r_mH$VmAm| Ama ~r_m ~moH$mam| Ho$ ~rM hE {ZZ{b{IV {ddmXm| Ho$
g~Y _| `m` {ZU`Z H$madmB ew$ H$s :
nr.AmaE_EEZ [aB`moa|g ~moH$g m.{b. ~Zm_ X Amo[a`|Q>b
B`moa|g H$.{b.
nwZ~u_mH$Vm _gO H$moQ>oJmo AS>aamBqQ>J ({Oho nhbo _obmda
BOr{Z`[aJ H$gmo{Q>`_ H$hm OmVm Wm) bXZ, VWm _gO Q>r Eg E_
83
dm{fH$ [anmoQ>
III.14.2 ~r_m A{Y{Z`_ 1938 Ho$ n[aN>Xo 64`y ~r (5) Ho$ AZwgma
ewH$ gbmhH$ma g{_{V ~r_m {d{Z`m_H$ {dH$mg Ama m{YH$aU Ho$
A`j Ho$ grYo ^ma _| h& ~r_m A{Y{Z`_ 1938 Ho$ n[aN>oX 64`y
EM (1) Ho$ AZwgma, ewH$ gbmhH$ma g{_{V Ho$ H$_Mm[a`m| H$s
godm eVm] H$mo do ~Xb gH$Vo h& AV: ~r_m {d{Z`m_H$ Ama {dH$mg
m{YH$aU A{Y{Z`_, 1999 Ho$ n[aN>Xo 14(2), ~r_m A{Y{Z`_,
1938 Ho$ n[aN>X 64 `y~r(5) VWm 64 `yEM(1) VWm Ho$ gaH$ma
Ho$ 10 \$adar, 2011 Ho$ AmXoe _| Xr JB e{$`m| H$m `moJ H$aVo hE
m{YH$aU Zo, ewH$ gbmhH$ma g{_{V Ho$ g^r dV_mZ H$_Mm[a`m|
Ho$ `y B{S>`m E`moag
| H$.{b., `wZmBQ>o B{S>`m B`moag
H$.{b., ZoeZb
B`moa|g H$.{b. Amo[aEQ>b B`moa|g H$.{b., gmYmaU ~r_m {ZJ_
{b. VWm ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU _| AdemofU
(EOmeZ) AmYma na nwZn[a{Z`moOZ (ar{S>bm`_|Q>) Ho$ AmXoe
Omar H$a {XE& ewH$ gbmhH$ma g{_{V Ho$ A{YH$m[a`m| Ama Q>m\$
Ho$ {d{^ gWmAm| _| Am~Q>Z na gXYm{VH$ $n go {ZU` hmo MwH$m
h &
2010-11
Ja OrdZ ~r_mH$Vm Ho$ g~Y _| : W_ {dmr` df _| Hw$b

grYr {bIr gH$b r{_`_ Am` Ho$ 2 {VeV go ma^
H$aHo$, Zmd| {dmr` df go AmJo gmV n{VeV&
III.16.3 gm_m{OH$ jo
~r_mH$VmAm| Ho$ g~Y _o W_ {dmr` df _| nmM hOma OrdZm| go

ma^ H$aHo$ Xgdo {dmr` df _| 55 hOma OrdZ, ~r_m {d{Z`m_H$
{dH$mg m{YH$aU A{Y{Z`_ 1999 Ho$ ma^ H$s VmarI go, g^r
dV_mZ ~r_mH$VmAm| Ho$ {bE (Ja OrdZ ~r_mH$VmAm| VWm ^maVr`
OrdZ ~r_m {ZJ_ Ho$ {bE) {d{Z`_m| _| `h mdYmZ {H$`m J`m {H$
Jm_rU Ama gm_m{OH$ jom| _| {H$E OmZo dmbo ~r_m H$mamo~ma H$s _mm
Cggo H$_ Zhr hmoJr, Omo {H$ Chm|Zo 31 _mM, 2002 H$mo g_m boIm
df Ho$ {bE XO H$s Wr& ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU mam
A{Ygy{MV, gemo{YV {d{Z`_m| Ho$ AmYma na, {dmr` df 200708 VWm {dmr` df 2009-10 Ho$ {bE Jm_rU Ama gm_m{OH$ jom|
Ho$ {V BZ ~r_mH$VmAm| H$s ~m`VmE {ZZmZwgma h:
III.15 IS> (6) _| gX[^V `mdgm[`V gJR>Zm| H$mo mogm{hV

Ama {d{Z`{_V H$aZo H$s `moOZmAm| Ho$ {dm nmofU Ho$ {bE
~r_mH$VmAm| H$s r{_`_ Am` H$m {VeV {d{ZX> H$aZm
(H$) Jm_rU jo ~m`VmE:
III.15.1 m{YH$aU Zo IS> (6) _| gX{^V `mdgm{`H$ gJR>Zm| H$mo
{dmr` df 2007-08 : 24 {VeV Ama
{dmr` df 2008-09 VWm 2009-10 : 25 {VeV
III.16.4 ^maVr` OrdZ ~r_m {ZJ_ (Eb AmB gr)
mogm{hV Ama {d{Z`{Z_ H$aZo H$s `moOZmAm| Ho$ {dm nmofU Ho$ {bE
~r_mH$VmAm| H$s r{_`_ Am` H$m H$moB {VeV {d{Z{X> Zht {H$`m
h&
Cg df _| grYr {b{IV Hw$b nm{b{g`m|&
III.16 ~r_mH$VmAm| mam Jm_rU Ama gm_m{OH$ jo _| MbmE
2009-10 Ho$ {bE bmJy ~m`VmE, CgHo$ ~mX Ho$ g^r {dmr` dfm]
Ho$ {bE ^r bmJy ah|Jr &
OmZo dmbo OrdZ ~r_m H$mamo~ma VWm gmYmaU ~r_m H$mamo~ma H$m
{VeV {d{Z{X> H$aZm
(I) gm_m{OH$ jo ~m`VmE

III.16.1 ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU (Jm_rU VWm
gm_m{OH$ jo Ho$ {V ~r_mH$VmAm| H$s ~m`VmE) {d{Z`_ 2002 _|

{ZYm[aV H$s JB ~m`VmE, ~r_mH$VmAm| mam, AnZo n[aMmbZ Ho$
W_ nmM dfm] _| AZwnm{bV H$s OmZo dmbr Amd`$mAm| H$mo
n[a{ZYm[aV H$aVr h & gaH$mar jo Ho$ ~r_mH$VmAm| Ho$ {bE ò ~m`VmE,
BZ jom| _|, df 2001-02 Ho$ BZHo$ H$m` {ZnmXZm| go OmoS>r JB h&
gemoYZm| Ho$ nMmV, Omo {H$ 2007-08 _| A{Ygy{MV {H$E JE,
mBdoQ> ~r_mH$VmAm| H$s ~m`VmE, CZHo$ n[aMmbZm| Ho$, 10 df VH$
Ho$ {bE {ZYm[aV H$s JB h& BgHo$ gmW gaH$mar, jo Ho$ ~r_mH$VmAm|
H$s ~m`VmAm| na ^r nwZ{dMma {H$`m J`m & mBdoQ> ~r_mH$VmAm| H$s
~m`VmE Bg H$ma h :
df 2007-08 go 2009-10 H$s Ad{Y _| 20 bmI OrdZ ~r_o

{H$E OmZo Mm{hE&
III.16.2 Jm_rU jo
df _| grYr {bIr Hw$b gH$b r{_`_ Am` H$m&
2009-10 Ho$ {bE bmJy ~m`VmE, CgHo$ ~mX Ho$ g^r {dmr` dfm]
Ho$ {bE ^r bmJy ah|Jr &
df 2009-10 Ho$ {bE ~m`VmE, ~mX Ho$ g^r {dmr`dfm] Ho$ {bE
bmJy hm|Jr&
III.16.5 Ja-OrdZ ~r_mH$Vm:
H$) Jm_rU jo ~m`VmE
OrdZ ~r_mH$Vm Ho$ g~Y _|: W_ {dmr` df _|, Hw$b grYr

{bIr nm{b{b`m| Ho$ gmW gmV {VeV go ma^ H$aHo$ BgHo$
Xgd| {dmr` df _| 20 {VeV&
84
{dmr` df 2007-08: 6 {VeV
{dmr` df 2008-09 go 2009-10 : 7{VeV
dm{fH$ [anmoQ>
2010-11
I) gm_m{OH$ jo ~m`VmE
{V AnZr ~m`VmAm| H$m AZwnmbZ H$a gHo$& `h mdYmZ {H$`m
J`m h {H$ `{X {H$gr ~r_m H$nZr Zo, {dmr` df H$s Xygar N>:_mhr _o
n[aMmbZ ma^ {H$E h Ama dh g~{YV {dmr` df _| 31 _mM H$mo 6
go ^r H$_ _hrZm| go H$m`n[aMmbZ h Vmo:
{dmr` df 2007-08 Ho$ {bE:

-
{dmr` df 2002-03 go 2004-05 _| gm_m{OH$ jo _|

g~{YV ~r_mH$Vm mam {H$E JE OrdZ ~r_m| H$s g`m H$m
AmgV&
C$ Ad{Y Ho$ {bE H$moB Jm_rU AWdm gm_m{OH$ jo ~m`VmE

bmJy Zht hm|Jr, Ama
5.50 bmI OrdZ, BZ_| go Omo ^r A{YH$ hmo&
~r_mH$VmAm| H$s ~m`VmAm| _|, {dmr` df 2007-08 _| dmVd _|

~r{_V {H$E JE `{$`m| H$s VwbZm _| {dmr` df 2008-09 Ama
2009-10 _| go òH$ _|, 10 {VeV H$s dX{Y H$s OmZr h &
{d{Z`_m| _| B{JV dm{fH$ ~m`VmE AmJm_r {dmr` df go ew

_mZr OmEJr, {Ogo {H$ AZwnmbZ Ho$ `moOZ go, W_ n[aMmbZ
df _mZm OmEJm &
2009-10 Ho$ {bE bmJy ~mVmE, ~mX Ho$ g^r {dmr` dfm] Ho$ {bE
^r bmJy ahoJr &
`{X {H$gr ~r_m H$nZr Zo, AnZo n[aMmbZ {dmr` df H$s W_ N>_mhr
_| ew {H$`m h Vmo W_ df Ho$ {bE bmJy ~m`VmE, BZ {d{Z`_m| _|
{d{Z{X> ~m`VmAm| H$m 50 {VeV hmoJr &
III 16.6 BgHo$ A{V[a$ gy_ ~r_o H$mo mogm{hV H$aZo VWm Jm_rUr
III.17 {ZYm[aV H$s OmZo dmbr A` e{$`m| H$m `moJ
Ama gm_m{OH$ jom| H$s ~m`VmAm| H$mo nwam H$aZo Ho$ {bE, H$_`mBg
Ho$ VarHo$ H$mo, gy_ ~r_m {d{Z`_m| go OmoS>m J`m h& BgHo$ Abmdm
~r_m H$n{Z`m| H$mo AnZo n[aMmbZ Wm{nV H$aZo H$m g_` XoZo Ho$ {bE
{d{Z`_m| go gemoYZ {H$E JE h Vm{H$ do Jm_rU Ama gm_m{OH$ jom| Ho$
III.17.1 Ho$r` gaH$ma Zo m{YH$aU H$mo H$moB e{$ XmZ Zht H$s
Ama n[aUm_V: m{YH$aU Zo {H$gr e{$ H$m `moJ Zht {H$`m &
85
dm{fH$ [anmoQ>
86
2010-11
dm{fH$ [anmoQ>
2010-11
^mJ-IV
gJR>Zm_H$ _m_bo
IV.1 gJR>Z
IV.4 amO^mfm H$mo mogmhZ
IV.1.1 df Ho$ XmamZ ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU lr Oo.

h[aZmamÙ H$s A`jVm Ama _mJ{ZX}eZ _| g\$bVm H$s D$MmB`m|
H$mo Ny>Vm ahm& lr Ho$.Ho$. lr{ZdmgZ gX` (Ja OrdZ), 4 {gV~a
2010 H$mo AnZr godm Ad{Y nyar H$a godm {Zdm hE& lr E_ am_gmX,
11 Ay$~a 2010 H$mo gX` (Ja OrdZ) Ho$ $n _| m{YH$aU _|
em{_b hE& m{YH$aU _| gX` Ho$ $n _| AmZo go nyd lr E_ am_gmX
^maVr` gmYmaU ~r_m {ZJ_ _| _hm ~YH$ Wo& S>m. Ama H$UZ, lr
Or ^mH$a VWm lr Ama Ho$ Zmà df Ho$ XmamZ ~r_m {d{Z`m_H$ Ama
{dH$mg m{YH$aU _| nyUH$m{bH$ gX` ~Zo aho &
IV.4.1 amO^mfm Ho$ gmdY

m{ZH$, mdYmZm| Ho$ H$m`md`Z H$mo gw{ZpMV
H$aZo, ^maV gaH$ma H$s amO^mfm Zr{V H$mo H$m`mpdV H$aZo& VWm
_w`mb` Ama gmW-gmW AYrZW H$m`mb`m| _| {hXr Ho$ `moJ H$mo
~T>mdm XoZo Ho$ {bE ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU _| AbJ go
EH$ amO^mfm H$m`md`Z {d^mJ H$s WmnZm H$s JB h Omo g_w{MV
n go H$m` H$a ahm h& H$m`mb` Ho$ H$m_ H$mO _| {hXr Ho$ `moJ H$mo
~T>mdm XoZo Ho$ {bE g^r H$ma Ho$ `mg {H$E OmVo h& amO^mfm {d^mJ
mam Omar df 2010-11 Ho$ dm{fH$ H$m`H$_ Ho$ AVJV AmZo dmbo
{d{^ _Xm| Ho$ {bE {ZYm[aV b`m| H$mo m H$aZo Ho$ {bE Amd`H$
Cnm` {H$E JE Ama {hXr Ho$ `moJ _| hB J{V H$s Amd{YH$ g_rjm
H$s JB& ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU EH$ _m{gH$ OZb
H$m{eV H$aVm h {Og_| {hXr H$m {d^mJ ^r hmoVm h& ~r_m {d{Z`m_H$
Ama {dH$mg [YH$aU mam Omar g^r A{YgyMZmE {^m{fH$ $n _|
hmoVr h&
IV.1.2 ^maVr` gZXr boImH$ma gWmZ Ho$ YmZ lr Or am_m dm_r
6 \$adar 2011 go AeH$m{bH$ gX` h& ~o{gg Jwn Ho$ A`j

lr {dO` _hmOZ Ho$ WmZ na _ZoO_Q> {S>dobn_Q> BQ>rQ>`yQ> JwS>Jmd
Ho$ {ZX}eH$ mo.dr.Ho$. Jwm H$mo AeH$m{bH$ gX` Zm{_V {H$`m J`m&
''godm"" (go\$ Ebm`S> dr_og Egmo{S>EeZ) H$s gWmnH$ lr_Vr
Bbm Ama ^Q>Q> VWm {dm _mb` H$s A[V[a$ g{dM lr_Vr Eb E_
dmg, ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU H$s AeH$m{bH$ gX`
~Zr ahr&
IV.5 AZwgYmZ Ama {dH$mg

IV.5.1 2008 _| hS>~wH$ AmZ B{S>`Z Be`moa|g Ho$ W_ gH$aU
Ho$ H$meZ Ho$ n[aUm_dn, AZwgYmZ Ama {dH$mg {d^mJ Zo, CmoJ
Ho$ {d{^ Q>oH$ hmoS>g H$s ~T>Vr hB O$aVm| H$mo nyam H$aZo Ho$ {bE
Bg H$meZ _| Ama `mnH$ {dVma H$aZm Omar aIm& Bg hS> ~wH$ H$m
Vrgam gH$aU \$adar 2011 _| H$m{eV hAm {Og_| ~hV go
ZdrZ ''g_` lIbm AmH$S>m gQ>mo'' H$mo g_m{hV {H$`m J`m& ~r_m
YmaH$ Ho$ {d{^ H$m`mb`m| Ama H$mamo~ma g~Yr am`dma OrdZ ~r_m
g~Yr AmH$S>m|, `{$`m| Ama {ZJ_ EOoQ>m| g~Yr AmH$S>m|, VWm MZb
dma ZE H$mamo~ma go g~{Y OmZH$mar em{_b H$aHo$ BgHo$ H$daoO H$mo
Ama A{YH$ `mnH$ ~Zm`m J`m& BgHo$ A{V[a$ ~Ym| Ho$ AVJV
n[agn{m`m| g~{YV AmH$S>o Ama {eH$m`Vm| Ho$ {ZdmaU g~{YV pW{V,
OrdZ Ama Ja OrdZ-Xmo KQ>H$m| Ho$ {bE Bg_| em{_b H$s JB& BgHo$
A[V[a{$ Bg hS> ~wH$ _| AmH$S>m lIbmAm| _o dX{Y H$s JB Ama
{d{e>rH$V gWmAm| Ogo gmYmaU ~r_m {ZJ_, H${f ~r_m H$nZr,
{Z`mV F$U JmaQ>r {ZJ_ VWm dm` ~r_m H$VmAm| H$m {dmr` H$m`
{ZnmXZ ^r em{_b {H$`m J`m h& {d^mJ Bg hS> ~wH$ Ho$ MmWo gH$aU
_| Omo {H$ OZdar 2012 _| Omar {H$E OmZo H$s Amem h, H$daoO VWm
{df` dVw _| Ama gwYma bmZo _| {ZaVa `Z H$a ahm h & `h {d^mJ
m{YH$aU H$s dm{fH$ [anmoQ> Ho$ gbZ Ho$ {bE ZmoS>b q~Xw H$s ^y{_H$m
{Z^mVm Am ahm h&
IV.1.3 lr A_aOrV MmonS>m 11 \$adar 2010 go 5 \$adar 2011
VH$ AeH$m{bH$ gX` aho& ~o{gg Jwn Ho$ A`j lr {dO` _hmOZ
7 Ay$~a, 2005 go 6 Ay$~a, 2010 VH$ ~r_m {d{Z`m_H$ Ama
{dH$mg m{YH$aU _| AeH$m{bH$ gX` aho&
IV.2 m{YH$aU H$s ~R>H|$
IV.2.1 {dmr` df 2010-11 Ho$ XmamZ m{YH$aU H$s 5 ~R>H|$
Am`mo{OV H$s JB & g_rj_mYrZ df Ho$ XmamZ ~r_m {d{Z`m_H$ {dH$mg

m{YH$aU Zo ~r_m nam_e g{_{V (AmB E gr) H$s ^r Xmo ~R>H|$
Am`mo{OV H$s&
IV.3 _mZd ggmYZ
IV.3.1 m{YH$aU g_` g_` na CnbY j_Vm VWm A[V[a{$
ggmYZm| H$s Amd`H$Vm H$s ^r {Z`{_V $n go g_rjm H$aVm h&
Bg {H$`m _| m{YH$aU Zo df 2010-11 Ho$ XmamZ Mma ghm`H$
{ZX}eH$m| H$s âVr H$s h, VWm ghm`H$ {ZX}eH$, Cn{ZX}eH$, g`w$
{ZX}eH$ VWm d[a> g`w$ {ZX}eH$ Ho$ {d{^ Vam| _| âVr A{^`mZ
A{Ygy{MV {H$`m h&
IV.5.2 gmp`H$s Ama H$m`H$_ H$m`md`Z _mb` Zo AnZo {d{^
Zdmo_ofm| Ho$ EH$ Ae Ho$ n _|, EH$ gMmbZ g{_{V H$m JR>Z {H$`m h,
{OgH$m CXXo`, CZ _hdnyU goQ>am| H$s nhMmZ H$aZm h {OZHo$
g~Y _| {d{^ goQ>a-{d{e> gmp`H$s` gHo$VH$m| na _ZwAb V`ma
{H$E Om gH|$& C$ gMmbZ g{_{V Zo Bg `moOZ hoVw "~r_m" H$s
IV.3.2 m{YH$aU Zo AmY Xoe gaH$ma Ho$ gh`moJ go 2002 _|
hXam~mX _| ~r_m Ama Omo{I_ ~YZ gWmZ (AmB AmB Ama E_)
H$s WmnZm H$s& AmB AmB Ama E_ Ho$ H$m`m] H$m gdrjU {ZX}eH$
_S>b mam {H$`m OmVm h {OgH$s YmZVm ~r_m {d{Z`m_H$ Ama
{dH$mg m{YH$aU Ho$ A`j mam H$s OmVr h&
87
dm{fH$ [anmoQ>
2010-11
H$mo Ho$rH$V Umbr _| XO H$admZo _| H$m\$s _XX {_boJr& Cn`w$ Ho$

{>JV m{YH$aU Zo df 2010-11 _| gyMZm mmo{JH$s g~Yr H$B
ZB nhb H$s h& BZ Zd `mgm| H$s pW{V {ZZ{b{IV h :
nhMmZ EH$ A`V _hdnyU jo Ho$ $n _| H$s h& Bg n> ^y{_ _|,
m{YH$aU Zo ''~r_m gp`H$s _ZwAb"" gH${bV H$aZo Ho$ {bE EH$
g{_{V H$m JR>Z {H$`m h& Bg g{_{V _|, ~r_m {d{Z`mH$ Ama {dH$mg
m{YH$aU Ho$ A{YH$m[a`m| Ho$ Abmdm {ejm OJV Ama ~r_m H$n{Z`m|
go {bE JE {deofk gX` ^r em{_b h & ""~r_m gmp`H$s _ZwAb
_| ~r_m Ama A` g~{YV {df`m| na, ~r_m {d{Z`m_H$ Ama {dH$mg
m{YH$aU VWm A` g~{YV EO|{g`m| mam EH$ H$s JB gmp`H$s
go g~{YV g^r nhby em{_b hm|Jo& _ZwAb V`ma H$aZo H$s ar{V na
{dMma H$aZo Ho$ {bE _mM 2011 _o g{_{V H$s nhbr ~R>H$ Am`mo{OV
H$s JB &
H$mamo~ma {dbofU g_mYmZ (~r.E.Eg)

IV.6.2 ''dMmbZ Ama H$mamo~ma {dbofU Ho$ mam ~ohVa {d{Z`m_H$
Ama n`jU Ho$ {bE ''m{YH$aU Zo H$mamo~ma {dbofU Umbr H$mo

{dH${gV H$aZo H$s {H$`m ew H$s h&
Vm{dV Umbr Ho$ _wI CXXo` ZrMo {XE JE h:
IV.5.3 gmp`H$s Ama H$m`H$_ H$m`md`Z _mb` Ho$ AVJV
VH$ZrH$s nam_e g{_{V Zo ~r_m jo Ho$ g~Y _|,^maV _| godm CnmXZ

gyMH$mH$ (AmB.Eg.nr.) Ho$ gH$bZ Ho$ {bE EH$ Cng{_{V J{R>V
H$aZo H$s {g\$m[ae H$s Wr& m{YH$aU Zo BgHo$ gH$bZ hoVw {d{Y
{dH${gV H$aZo Ho$ {bE nhb H$s h, {Oggo Cng{_{V H$mo dm{N>V
gyMH$mH$ V`ma H$aZo _| gwJ_Vm hmoJr& g{_{V go Anojm h {H$ dh
g^m{dV AmH$S>m lmoVm| H$s nhMmZ Ama OmM H$aoJr Ama godm CnmXZ
gyMH$mH$ Ho$ gH$bZ hoVw, AmH$S>m| H$s {Z`{_V CnbYVm Ho$ {bE BZ
_wXXm| go OwS>md aIoJr, Cng{_{V gyMH$mH$ Ho$ `mnZ, AmYma df Ho$
M`Z, ^m[aVm _mZXS> n[adVZ H$maH$m| H$s nhMmZ, Ad\$s{V H$maH$m|
Am{X go OwS>o {d{^ _wXXm| H$s ^r OmM H$aoJr& AZwgYmZ Ama {dH$mg
{d^mJ, ~r_m jo Ho$ {bE godm CnmXZ gyMH$mH$ Ho$ gH$bZ Ho$ jo _|,
dV_mZ Am_ WmAm| VWm AVam>r` `dhmam| H$s ^r OmM H$a ahm h
Omo {H$ ^maVr` ~r_m jo Ho$ {bE gyMH$mH$ V`ma H$aZo Ho$ {bE EH$
AmYma H$m H$m_ H$aoJm&
{dmr` Q>oQ>_|Q>m|, {Zdoe AZwgy{M`m| ~r_mH$H$ [anmoQ>m], nwZ~r_m

[anmoQ>m] Ho$ n _|, ~r_mH$VmAm| Ama _`d{m`m| go m AmH$S>m|
Ama gyMZmAm| H$m gj_ ~YZ &
~r_mH$VmAm|/_`d{m`m| mam VwV H$s OmZo dmbr {dda{U`m|
Q>Qo >_Q| >m| VWm [anmoQ>m] hoVw EH$ g_mZ VWm _mZH$ \$m_}Q> g {S>OmBZ
H$aZm Ama {dH${gV H$aZm &
~r_mH$mmAm|/_`d{mAm| mam {dda{U`m, Q>oQ>_|Q>| VWm [anmoQ>]
AmZ-bmBZ âZo H$s Umbr Ama^ H$aZm &
_m{gH$, {V_mhr VWm dm{fH$ ({Og_| A` Amd{YH$Vm ^r
em{_b h) H$mamo~ma {dbofU [anmoQ>] V`ma H$aZo VWm CZHo$
H$meZ _| ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU H$s j_VmAm|
_| dX{Y H$aZm {Og_| {ZZ{b{IV em{_b h
IV.5.4 AZwgYmZ Ama {dH$mg {d^mJ Zo {d{^ g_obZm|/go{_Zmam|
_| g{H$` n go ^mJ {b`m Ama ~r_m go g~{YV {df`m| na nong

VwV {H$E& {d^mJ Zo m{YH$aU Ho$ {d{^ {d^mJm| H$mo gmp`H$s`
ghm`Vm ^r XmZ H$s Ama ~H$ E`moa|g _mS>b VWm ''Abudm{ZJ
{gQ>_'' Ogo {d{^ A`nZm| _| ^r gh^m{JVm H$s&
IV.6 ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU _| gyMZm mmo{JH$s
H$s pW{V
IV.6.1 EH$ ^mdr AZwdVZ V Wm{nV H$aZo H$s {> go, _O~yV
gyMZm mmo{JH$s Um{b`m| H$m H$m`md`Z VWm n[aMmbZ {d^mJm|
H$mo g_w{MV {dbofUm_H$/[anmo{Q>J CnH$aUm| go gwJ_ ~ZmZm,
m{YH$aU H$m EH$ _wI \$moH$g jo h& Bg H$ma Ho$ H$m`md`Z go,
m{YH$aU Ho$ A{YH$mar AnZm lo> g_` AmH$S>m| Ho$ {dbofU _|
bJmZo _| g_W hm|Jo& BgHo$ A{V[a$ CnmX VwbZH$ Ed EH$sH$V
{eH$m`V ~YZ Umbr Ogo JmhH$ H|${V CnH$aUm| go nm{bgr YmaH$m|/
^mdr nm{bgr YmaH$m| H$mo, ghr ~r_m CnmX MwZZo Ed AnZr {eH$m`Vm|
gyMZm H$m dMm{bV {~H$mb

ghH$m` (H$mobo~moaoeZ)
{df` dVw ~YZ
{ZZm{H$V Ho$ {bE H$mamo~ma {dbofU Umbr (~r E Eg) H$m

{S>OmBZ V`ma H$aZm Ama Cgo H$m`mpdV H$aZm
^mdr n`djo U VWm {d{Z`_Z, AZwnmbZ g{hV
~r_m CmoJ _| AZwdVZ (_mZrQ>[aJ) d{m`m
~r_m H$VmAm| Ho$ H$m` H$m Omo{I_ AmYm[aV AmH$bZ
nyd MoVmdZr {gb XmZ H$aZm
gwYmam_H$ H$madmB ew H$aZm
Wbr` {ZarjU H$m Ama^
nwamZo AmH$S>m|, gyMZmAm| Ed XVmdoOm| H$mo nwamboI gJh
_| aIZo H$s Umbr W{nV H$aZm &
Amd`H$VmAm| Ho$ EH$U, AVa {dbofU ''Qy>-~r'' [anmoQ> V`ma

H$aZo H$m` Amd`H$Vm-{d{ZX}e-XVmdoO/(E\$ Ama Eg)/nVmdhoVw AZwamoY (Ama E\$ nr) V`ma H$aZo, A{V_ n XmZ H$aZo VWm
88
dm{fH$ [anmoQ>
2010-11
nw{bg H$mo _XX XoZo Ho$ {bE ~r_m gyMZm `yamo Zo EH$ H$mbg|Q>a gw{dYm
ew H$s h {Ogo ''MwamE JE dmhZm| H$s nwZ: m{ ([aH$dar) gyMZm
Umbr"" H$hm OmVm h &
{d{dXmH$aU B`m{X go g~{YV n[a`moOZm Ho$ MaU-1 H$s J{V{d{Y`m

df 2009-10 Ho$ XmamZ gn H$s JB VWm H$mamo~ma {dbofU Umbr
Ho$ {bE H$m`md`Z H$mm EO|gr Ho$ M`Z H$s {H$`m nyar H$s Om MwH$s
h& MaU-2 Ho$ H$m` AWmV H$mamo~ma {dbofU g_mYmZ (~r E Eg)
Ho$ {S>OmBZ Ama H$m`md`Z H$m H$m`, M`{ZV H$m`md`Z H$mm EO|gr
Ho$ gmW ma^ H$a {X`m J`m h&
Eg dr Ama AmB Eg H$s H$mÙmbr Bg H$ma h:

-
H$moB ^r nw{bg Q>oeZ, {OgZo H$moB Mmoar hAm dmhZ ImoO

{ZH$mbm h Ama dh ~r_mH$Vm H$mo ImoOZo H$s H$mo{ee H$a ahm h
dh Q>mb \$s Z. 18004254734 (emQ> H$moS> 155266) na
\$moZ H$aHo$ AmB AmB ~r H$mb g|Q>a go gnH$ H$a gH$Vm h &
_O~yV B Ama nr gmQ>doà Ho$ O[aE, emgZ {d^mJ Ho$ H$m`m] H$mo
dMm{bV {H$`m OmE& g_w{MV {Z{dXmH$aU Umbr H$m AZwnmbZ
H$a, H$m`md`Z H$Vm EO|gr Ho$ M`Z H$s {H$`m nyU H$a br JB&
M`{ZV H$m`md`Z-H$Vm EO|gr Ho$ gmW AmnMm[aH$ H$ama {H$`m J`m
Ama {S>OmBZ/{dH$mg H$m` nyam H$a {b`m J`m h& A~ m{YH$aU,
Bg Umbr Ho$ H$m`md`Z H$s {H$`m _| h&
AmB AmB ~r Ho$ AmH$S>m| Ho$ AmYma go dmhZ Ho$ ~r_mH$Vm H$mo
Ty>T>Zo Ho$ {bE, AmB AmB ~r [anmo{Q>J A{YH$mar go BOZ g`m,
Mo{gg g`m Ogr AmYma^yV OmZH$mar m H$aoJm &
{anmo{Q>J A{YH$mar mam XmZ H$s JB B-_ob AmB S>r na nmdVr

ôOr OmEJr &
EH$sH$V {eH$m`V ~YZ Umbr (AmB Or E_ Eg)
dmhZ Ho$ {ddaU AmB AmB ~r Ho$ AmH$S>m| Ho$ AmYma go ImoOo
OmE|Jo& dmhZ Ho$ {ddaU ImoO {bE OmZo na ~r_mH$Vm H$mo B_ob ôOm OmEJm {H$ dmhZ ImoO {b`m J`m h Ama A_wH$ nw{bg
WmZo _| nS>m h& Bgo ~r_mH$Vm H$mo nw{bg WmZo OmZo Ama AmJoH$r
H$madmB H$aZo _| _XX {_boJr&
CnH$_ ggmYZ Am`moOZ (B Ama nr) Umbr H$m H$m`md`Z

IV.6.3 df 2009-10 _| m{YH$aU Zo {dMma {H$`m Wm {H$ EH$
IV.6.4 AmB Or E_ Eg EH$ Eogm gdg_mdoer g_mYmZ h Omo Z Ho$db

nm{bgr YmaH$m| H$mo EH$ Ho$rH$V Ama AmZbmBZ nhM XmZ H$aZo _|
g_W h ~pH$ ~r_m H$n{Z`m| mam {H$E OmZo dmbo {eH$m`V {ZnQ>mZ
na {ZJamZr aIZo Ho$ {bE ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU H$mo
^r nyU nhM Ama {ZÙ XmZ H$aVm h& AmB Or E_ Eg, n[aMmbZ
{d^mJ H$mo ^r {dVV {dbojU XmZ H$aVm h {Oggo Bgo nm{bgr
YmaH$ Ho$ qMVm Ho$ {df`m| Ho$ AmYma na {d{^ {eH$m`V H$mam| H$mo
dJuH$V H$aZo H$s ^r j_Vm h & `h Umbr, AZ` {eH$m`V nhMmZ
g`m ~ZmZo, Q>moa H$aZo VWm CgH$s Q>qH$J _| ^r _XX H$aVr h VWm
H$m`J{V Ho$ AXa hr {d{^ Omo{I_ YmaH$m| (Q>oH$hmoS>g) H$mo
Amd`H$VmZwgma OmZH$mar XmZ H$aVr h& `h Umbr b` Q>ZE amCS>
Q>mBg (Q>r E Q>r) H$mo nm[a^m{fV H$aZo Ama g^r {eH$m`Vm| Ho$ dmV{dH$
Q>r E Q>r H$mo _mnZo _| g_WVm XmZ H$aVr h & `h Umbr {ZYm[aV Q>r
E Q>r Ho$ ZOXrH$ AmZo na b{~V H$m`m] Ho$ {bE MoVmdZr XoVr h & Bg
H$ma {Z`_ AmYm[aV H$m`J{V Ho$ _m`_ go, `h Umbr dMm{bV
n go J{V{d{Y`m| H$mo ghr g_` na n[aMm{bV H$adm XoVr h &
IV.6.7 nw{bg WmZm ^r MwamE JE dmhZ Ho$ ~mao _| {ddaU B-_ob mam
ôO gH$Vm h {OgH$s mogoqgJ ^r Cn`w$ n go H$s OmEJr &
IV.6.8 Eg E_ Eg AmYm[aV dmhZ ~r_m pW{V gyMZm Umbr Ho$
{bE gmQ>doà H$m {dH$mg H$m` nyU hmo MwH$m h Ama `h gmQ>doà
erK hr n[aMmbZ _| Am OmEJm&
CnmXm| Ama Xam| H$s VwbZm Ho$ {bE _mo~mBb EbrHo$eZ
IV.6.9 JmhH$m|/^mdr JmhH$m| H$mo EH$ Eogm V XmZ H$aZo, {Oggo {H$
do _mo~mBbm| Ho$ O[aE ~r_m CnmXm| H$s {deofVmmAm| H$s VwbZm H$aHo$,
kmZmYm[aV {ZU` bo gH|$ EH$ _mo~mBb EbrHo$eZ V`ma {H$`m Om
ahm h & `h EbrHo$eZ g^r M{bV _mo~mBb bQ>\$m_m] na H$m`
H$aVm h & `moJ H$Vm ^r Eogo {H$gr ^r _mo~mBb Ho$ O[aE, {Og VH$
BQ>aZoQ> H$s nhM hmo, `h gyMZm hm{gb H$a gH$Vo h&
IV.6.5 AmB Or E_ Eg, nm{bgrYmaH$m| H$s {eH$m`Vm| H$mo gwbPmZo

Ho$ {bE g^r ~r_mH$VmAm| H$mo EH$ _mZH$ _M CnbY H$admVm h Ama
gmW hr, Omo{I_YmaH$m| H$s, {eH$m`Vm] Ho$ AmH$S>mo Ho$ {dbofU& VWm
Ohm H$hr Oar hmo, dhm UmbrJV ~Xbmd bmZo _| _XX H$aVr h&
AmB Or E_ Eg H$m {dH$mgm_H$ A`mg 2010-11 _| nyam H$a
{b`m J`m Ama 2 OyZ 2011 go Umbr H$m g\$bVmnydH $ n[aMmbZ
ew H$a {X`m J`m &
IV.6.10 Bg EbrHo$eZ go ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU
Ho$ gJmhH$ ([anmo{OQ>ar) {Og_| CnmXm| Ho$ {ddaU hmoVo h, go VH$mb

_mo~mBb AmYm[aV nhM {_b OmEJr& Bg_o `moJ H$Vm, r{_`_
bm^, Xam| Am{X H$s VwbZm H$a nmEJo & VrZ {dH$nm|, AWmV H$nZr
H$s {> go ImoO, nm{bgr Ho$ H$ma H$s {> go ImoO, VWm ""H$s
dS>g"" H$s {> go ImoO mam `moJH$Vm, VwbZm H$aZo H$s {> go Bgr
H$ma Ho$ A` CnmXm| H$m M`Z H$a nmEJo &
MwamE JE dmhZm| H$s nwZ: m{ ([aH$dar) gyMZm Umbr (Eg dr

Ama AmB Eg)
IV. 6.11 Ogm {H$ D$na ~Vm`m J`m h, EbrHo$eZ Ho$ bmM H$sZ na
VrZ {dH$n hm|Jo & H$nZr Ho$ AmYma na ImoO _| Eogr H$n{Z`m gyMrH$V
hm|Jr Omo g~{YV CnmX ~ZmVr h, {OZ_| go `moJH$Vm _ZngX
IV.6.6 ~r_m gyMZm `yamo (AmB AmB ~r), dmhZm| Ho$ _moQ>a ~r_o Ho$
boZ-XoZ Var` AmH$S>o, Ja OrdZ ~r_m-H$n{Z`m| go BH$>o H$aVm h&

MwamE JE Ama ~mX _| Ty>T> {bE JE dmhZm| Ho$ ~r_mH$VmAm| H$s nhMmZ _|
89
dm{fH$ [anmoQ>
IV.7 boIm
H$nZr MwZ H$a CgHo$ CnmX XoI gH$Vm h & CnbY CnmX X{eV
hmo OmEJo Ama `moJH$Vm Ho$ nmg VwbZm Ho$ {bE VrZ CnmX X{eV
hmo OmEJo Ama `moJH$Vm Ho$ nmg VwbZm Ho$ {bE VrZ CnmXm| Ho$ M`Z
H$m {dH$n ahoJm& BgHo$ ~mX M`{ZV CnmXm| Ho$ {ddaU X{eV hmo
OmEJo& ''nm{bgr Ho$ H$ma Ho$ AmYma na ImoO"" {d{^ H$ma H$s
nm{b{g`m| H$mo gyMrH$V H$aoJr, {Og_| go `moJH$Vm, AnZr Amd`H$Vm
Ho$ AZwgma nm{bgr H$m M`Z H$a gHo$Jm Ama Umbr _| CnmX X{eV
hmo OmEJo& `moJH$Vm, VwbZm Ho$ {bE VrZ CnmXm| H$m M`Z H$a gHo$Jm&
Umbr M`{ZV CnmXm| Ho$ VwbZm_H$ {ddaU X{eV H$aoJr& ""H$s
dS> Ho$ AmYma naImoO"" Ho$ _m` go `moJH$Vm H$s dS> EQ>a H$aHo$
nm{bgr H$ma AWdm H$nZr H$ma _| go {H$gr EH$ mam ImoO H$a
gH$Vm h& M`{ZV CnmX H$s OmZH$mar 'nmn-Amn-{dS>m| _| X{eV
hmo OmEJr &
IV.7.1 m{YH$aU Ho$ df 2010-11 Ho$ boIm| H$s boIm-narjm,

^maV Ho$ {Z`H$ Ama _hmboIm narjH$ (grES>EOr) mam H$s JB h&
~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU A{Y{Z`_, 1999 Ho$ n[aN>Xo
17Ho$ mdYmZm| Ho$ AZwgaU _| boIm nar{jV boIo Ama CZHo$ gmW
boIm narjU [anmoQ>, ggX Ho$ XmoZm| gXZm| _| aIZo hoVw, ^maV gaH$ma
H$mo AJ[fV H$aZm hmoVm h&
IV.8 AmB Ama S>r E OZb (n{H$m)
IV.8.1 m{YH$aU H$s _m{gH$ n{H$m 'X AmB Ama S>r E OZb' Zo
AnZo Zd~a 2010 AH$ Ho$ gmW hr AnZo gmWH$ ApVd Ho$ 8 df
nyao H$a {bE h Ama CmoJ go OwS>o {d{^ _wm| na AnZo JwUdmmnaH$
`moJXmZ Ho$ {bE _m`Vm m H$aZm Omar aIo hE h & n{H$m _o JV
df ew H$s JB A[a[a$ gmp`H$s` gyMZmE, CmoJ H$s {d{^ OaVm|
H$s ny{V H$aVr Am ahr h, Ama {d{^ Omo{I_ YmaH$m| (Q>oH$hmoS>g)
Zo BZH$m AN>m dmJV {H$`m h & ~r_mH$VmAm| {deofV: Ja OrdZ jo
Ho$ ~r_mH$VmAm| Zo, n{H$m _| Xr JB gmp`H$s` OmZH$mar H$mo `mnH$
n go Cn`moJr nm`m h & n{H$m _| boIm|-AZwgYmZ nMm] Am{X Ho$ n
_| boIH$s` `moJXmZ XoZo dmbm| H$s g`m {XZm|-{XZ ~T>Vr Om ahr h
Ama H$B ZE boIH$m| Zo n{H$m _| {bIZo Ho$ {bE Jhar {M {XImB h&
Omo {H$ Kaoby Ama AVam>r`, XmoZm| H$ma H$s {dVV am` H$m EH$
AN>m moV gm{~V hmo ahm h& n{H$m H$s {V`m| H$r _mJ, gXm H$s
^m{V ~T>Vr Om ahr h {Oggo kmV hmoVm h {H$ Bg n{H$m _| {d{^
Omo{I_ YmaH$m| H$s {H$VZr Jhar {M h Ama `h {gXY hmoVm h {H$ `h
AnZo `moOZ _| g\$b ahr h& n{H$m H$s do~ {V, dX{Yerb g`m
_|, nmR>H$m| Ho$ {bE OmZH$mar H$m moV gm{~V hmo ahr h&
IV.6.12 Cn`w$ EbrHo$eZ {dH${gV H$aZo H$m H$m_ nyam hm MwH$m h,
Ama EbrHo$eZ H$m Ama^ erK hr {H$`m OmZo dmbm h&

gmYmaU ~r_m CnmXm| Ho$ {bE "CnmX VwbZm EbrHo$eZ" H$m {dH$mg
IV.6.13 ~r_mH$VmAm| Ho$ {d{^ gmYmaU ~r_m CnmXm| (_moQ>a, AmJ,
dm` BOr{Z`[aJ AWdm Ammo{JH$ g^r Omo{I_) H$s {deofVmAm|

Ho$ ~rM VwbZm H$aZo Ho$ {bE, m{YH$aU EH$ EbrHo$eZ {dH${gV
H$aZo H$s {H$`m _| h& `h EbrHo$eZ do~ AmYm[aV hmoJr Ama Bg_o
{ZZ{b{IV {deofVmE hm|Jr :
2010-11
`h do~gmBQ> g^r {d{OQ>g H$mo ~r_m {d{Z`m_H$ Ama {dH$mg

m{YH$aU H$s dV_mZ do~gmBQ> (EM Q>r Q>r nr:// S>`y S>`y
S>`y AmB Ama S>r E. Or Amo dr. AmB EZ) Ho$ qbH$ Ho$ n _|
CnbY hmoJr&
IV.8.2 df 2010-11 Ho$ XmamZ H$B g_gm_{` Ama g~{YV _wXXo

n{H$m H$m H|$ q~Xw ~Zo aho& Bg Ad{Y _| em{_b, {d{^ AH$m| Ho$
H|$ q~Xw _wXXo Bg H$ma Wo: ~r_m jo _| CnmX {dH$mg, ~r_m jo _|
Omo{I_ AH$Z H$m _hd, Xmdm ~YZ _| H$m` j_VmE, bmoH$ H$Q>Z
Ama H$mamo~ma {dbofH$, AmnXm ~YZ Ama ~r_m H$s ^y{_H$m, ~r_m
godmAm| _| mmo{JH$s g_WZ, ZJ{_ gm_m{OH$ Xm{`d VWm ~r_m
CmoJ VWm ~r_mH$VmAm| Ho$ {bE Omo{I_ ~YZ {df` H$s _hmm VWm
nmR>H$m| H$s CZ na {V{H$`m H$mo XoIVo hE Hw$N> `mZ H|${V {df`m|
H$mo, df Ho$ XmamZ, Xmo~mam ^r em{_b {H$`m J`m &
H$mamo~ma H$s bmBZm| (Eb Amo ~r) VWm M`{ZV "Cn-Eb Amo
~r" Ho$ AmYma na Cn`moJH$Vm H$mo Eogr ~r_m H$n{Z`m| H$s gyMr
XmZ H$s OmEJr {OZHo$ {bE ~mOma _|, AZw_mo{XV CnmX h&
CnmXm| H$s VwbZm Ho$ {bE Cn`moJ H$Vm A{YH$V_ Mma AZw_mo{XV
CnmXm| H$m M`Z H$a gH$Vm h& {d{^ H$n{Z`m| Ho$ M`{ZV
CnmXm| H$s CnmX-Vw b Zm `mnZ, AndO Z , Ny > Q>
({S>H$mCQ>g) `dH$bZr` am{e ~r_m Ogo {d{^ nam_rQ>am|
Ho$ AmYma na H$s Om gH$Vr h&
IV.9 Am^ma XeZ

IV.9.1 ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU, ~r_m nam_e g{_{V,
nwZ~r_m nam_e g{_{V, {dmr` godm {d^mJ ({dm _mb`) g^r
~r_mH$mVmAm| VWm _`{dV`m| H$m m{YH$aU Ho$ g_w{MV H$m` gMmbZ
_| gh`moJ Ama A_y` _mJXeZ XmZ H$aZo& VWm ~r_m {d{Z`m_H$
Ama {dH$mg m{YH$aU Ho$ A{YH$m[a`m| Ama H$_Mm[a`m| Ho$ gj_ Xb
H$mo AnZo H$m`m| Ho$ Hw$eb {Zdmh Ho$ {bE hm{XH$ Y`dmX H$aVo h
Ama CZH$s gamhZm H$a Bgo A{^bo{IV H$aVo h& m{YH$aU Am_
OZVm Ho$ gX`m|, og, ~r_m `dgm` go OwS>r g^r `mdgm{`H$
gWmAm|, AVam>r` EO|{g`m|, {Og_| AVam>r` ~r_m n`dojU gK,
(AmB E AmB Eg) ^r em{_b h, H$m, g_`-g_` na CZHo$ mam {XE
JE A_y` `moJXmZ Ho$ {bE, {deof Am^ma H$Q> H$aVr h&
XmZ H$s JB VwbZm 'hm `m Zm \$m_}Q>' _| hmoJr& `h B{JV H$aoJr

{H$ H$moB {d{e> H$daoO (`mnZ) bmJy h AWdm Zht & nmR> H$s
{> go VwbZm Zhr hmoJr, AWmV eXm| _| {d{^VmAm| H$m CoI
Zht {H$`m OmEJm&
VwbZm nmR> AmH$S>m| Ho$ n _| nXmZ H$s OmEJr CXm: r{_`_
aoqQ>J gmW gmW X{eV H$s OmEJr &
C$ EbrHo$eZ {dH${gV H$aZo hoVw Amd`H$ EO|gr H$mo nhbo hr

A{V_ n {X`m Om MwH$m h Ama {dH${gV H$aZo H$m H$m` ^r ew$ hmo
MwH$m h&
90
dm{fH$ [anmoQ>
2010-11
{ddaU
91
dm{fH$ [anmoQ>
92
2010-11
dm{fH$ [anmoQ>
2010-11
{ddaU 1
~r_m AV: doeZ H$s AVam>r` VwbZm*

{VeV _|
2009**
Xoe
AmQ>o{b`m
~mOrb
\$mg
O_Zr
g
X{jU A\$sH$m
pdQ>OabS>
JoQ> [~Q>oZ
g`w$ am> A_o[aH$m
E{e`mB Xoe
~mJbmXoe
hmJH$mJ
^maV#
OmnmZ
_bo{e`m
nm{H$VmZ
MrZ
qgJmnwa
X{jU H$mo[a`m
lrbH$m
VmBdmZ
WmBbS>
{d
2010**
Hw$b
OrdZ
Ja-OrdZ
Hw$b
OrdZ
Ja-OrdZ
6.4
3.4
3.0
5.9
3.1
2.8
3.1
1.6
1.5
3.1
1.6
1.5
10.3
7.2
3.1
10.5
7.4
3.1
7.0
3.3
3.7
7.2
3.5
3.7
2.5
0.0
2.5
2.3
0.0
2.3
12.9
10.0
2.9
14.8
12.0
2.8
9.8
5.4
4.5
9.9
5.5
4.4
12.9
10.0
3.0
12.4
9.5
2.9
8.0
3.5
4.5
8.0
3.5
4.5
0.9
0.7
0.2
0.9
0.7
0.2
11.0
9.6
1.4
11.4
10.1
1.4
5.2
4.6
0.6
5.1
4.4
0.7
9.9
7.8
2.1
10.1
8.0
2.1
4.4
2.9
1.6
4.8
3.2
1.6
0.7
0.3
0.4
0.7
0.3
0.3
3.4
2.3
1.1
3.8
2.5
1.3
6.8
5.1
1.7
6.1
4.6
1.6
10.4
6.5
3.9
11.2
7.0
4.2
1.4
0.6
0.9
1.4
0.6
0.9
16.8
13.8
3.0
18.4
15.4
3.0
4.0
2.4
1.6
4.3
2.6
1.7
7.0
4.0
3.0
6.9
4.0
2.9
lmoV: pdg ar, {g_m, AH$ 3/2010 Ed 2/2011

*~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 2010-11 go g~{YV h &
93
dm{fH$ [anmoQ>
2010-11
{ddaU 2
~r_m KZd H$s AVam>r` VwbZm*

A_arH$s S>mba _|
2009**
Xoe
AmQ>{b`m
~mOrb
\$mg
O_Zr
g
X{jU A\$sH$m
pdQ>OabS>
JoQ> [~Q>oZ
g`w$ am A_o[aH$m>
E{e`mB Xoe
~mJbmXoe
hmJH$mJ
^maV#
OmnmZ
_bo{e`m
nm{H$VmZ
MrZ
qgJmnwa
X{jU H$mo[a`m
lrbH$m
VmBdmZ
WmBbS>
{d
2010**
Hw$b
OrdZ
Ja OrdZ
Hw$b
OrdZ
Ja OrdZ
2832.7
1524.8
1307.9
3369.2
1766.3
1603.0
251.7
127.9
123.8
327.6
169.9
157.7
4269.1
2979.8
1289.4
4186.6
2937.6
1249.0
2878.4
1359.7
1518.7
2903.8
1402.2
1501.6
280.9
4.5
276.4
296.8
6.4
290.4
738.1
574.2
163.9
1054.7
854.6
200.1
6257.6
3405.6
2852.1
6633.7
3666.8
2966.9
4578.8
3527.6
1051.2
4496.6
3436.3
1060.2
3710.0
1602.6
2107.3
3758.9
1631.8
2127.2
5.2
3.9
1.3
5.8
4.4
1.4
3304.0
2886.6
417.5
3635.5
3197.3
438.2
54.3
47.7
6.7
64.4
55.7
8.7
3979.0
3138.7
840.4
4390.2
3472.8
917.4
321.8
206.9
115.0
421.1
282.8
138.3
6.6
3.0
3.6
6.1
3.2
2.9
121.2
81.1
40.0
158.4
105.5
52.9
2557.6
1912.0
645.6
2823.4
2101.4
722.1
1890.3
1180.6
709.7
2339.4
1454.3
885.1
29.5
11.8
17.7
34.2
13.7
20.6
2752.1
2257.3
494.8
3296.2
2756.8
539.3
154.4
91.7
62.7
199.4
121.9
77.5
595.1
341.2
253.9
627.3
364.3
263.0
lmoV: pdg ar, {g_m, AH$ 3/2010 Ed 2/2011

*~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$b|S>a df go g~{YV h &
# S>mQ>m {d{m`df 2009-10 VWm 2010-11 go g~{YV h &
94
9700.98
EbAmBgr
95
9707.43
2002-03
2003-04
2004-05
2005-06
2006-07
2007-08
2008-09
2009-10
2010-11
(`. H$amoS> _|)
19588.77 15976.76 17347.62 20653.06 28515.87 56223.56 59996.57 53179.08 71521.90 87012.35
(101.93)
(-18.44)
(8.58)
(19.05)
(38.07)
(97.17)
(6.71)
(-11.36)
(34.49)
(21.66)
4.19
17.66
72.10
282.42
283.98
467.66
704.44
688.95
642.43
660.49
32.78
129.31
209.33
486.15
1042.65
1648.85
2685.37
2651.11
3257.51
4059.33
28.11
129.57
449.86
621.31
678.12
882.72
1965.01
2820.85
2960.01
2080.30
113.33
364.11
750.84
1584.34
2602.50
5162.13
8034.75
6811.83
6334.03
7862.14
7.58
35.21
125.51
373.99
396.06
614.94
1106.62
1343.03
1333.98
1253.14
21.14
59.77
181.59
297.55
464.53
644.82
964.51
1142.67
1322.01
1332.21
14.69
71.88
207.05
484.85
827.82
2563.84
4792.82
5386.64
7040.74
7572.39
7.14
63.39
179.55
857.45
2716.77
4302.74
6674.48
4491.43
4451.10
3465.82
38.80
67.31
137.28
233.63
471.36
912.11
1597.83
1842.91
1849.08
2061.39
0.48
7.70
23.41
57.52
148.53
340.44
825.35
1144.70
1061.85
706.22
0.28
6.32
27.21
91.33
193.56
932.11
2751.05
3513.98
3920.78
3034.94
13.47
76.96
192.29
407.12
721.35
1053.98
724.56
798.37
745.39
1.74
26.34
43.00
122.12
134.01
124.83
91.83
10.33
181.17
309.99
314.47
419.50
571.99
7.78
113.24
292.93
437.43
347.78
2.49
149.97
486.08
448.61
11.90
316.78
400.56
444.95
296.41
622.62
817.29
31.21
150.37
274.87
3.37
37.38
74.15
50.19
519.87
758.69
201.59
704.77
268.51
965.69
2440.71
5564.57 10269.67 19425.65 33715.95 34152.00 38372.01 39368.65
(4061.70) (259.65) (152.74) (127.99)
(84.55)
(88.84)
(73.56)
(1.29)
(12.36)
(2.60)
19857.28 16942.45 19788.32 26217.64 38785.54 75649.21 93712.52 87331.08 109893.91 126381.00
(104.56)
(-14.68)
(16.80)
(32.49)
(47.94)
(94.96)
(23.88)
(-6.81)
(25.84)
(15.00)
2001-02
{Q>nUr: 1) H$mo>H$ _| AmH$S>| {nN>bo df H$s VwbZm _| d{ H$mo {VeV _| XemV| h

2) - `dgm` ew$ Zht {H$`m J`m H$mo XemVm h &
Hw$b
AmBEZOr d`m
EMS>rE\$gr Q>S>S> bmB\$ 0.002

{~abmgZ bmB\$
0.32
AmBgrAmBgrAmB y
5.97
H$moQ>H$ bmB\$
Q>mQ>m EAmBOr
Eg~rAmB bmB\$
~OmO AbmÒ
_g `y `mH$
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$m
Q>ma `y{Z`Z XmBMr
BpS>`m \$Q>
{ZOr jo
6.45
2000-01
~r_mH$Vm
W_ df (EH$b r{_`_ H$mo {_bmH$a) OrdZ ~r_m r{_`_
{ddaU 3
dm{fH$ [anmoQ>
2010-11
34892.02
EbAmBgr
96
34898.47
2002-03
2003-04
2004-05
2005-06
2006-07
2007-08
49821.91 54628.49 63533.43 75127.29 90792.22 127822.84 149789.99

(42.79)
(9.65)
(16.30)
(18.25)
(20.85)
(40.79)
(17.19)
4.19
21.16
88.51
338.86
425.38
707.20
1158.87
33.46
148.83
297.76
686.63
1569.91
2855.87
4858.56
28.26
143.92
537.54
915.47
1259.68
1776.71
3272.19
116.38
417.62
989.28
2363.82
4261.05
7912.99 13561.06
7.58
40.32
150.72
466.16
621.85
971.51
1691.14
21.14
81.21
253.53
497.04
880.19
1367.18
2046.35
14.69
72.39
225.67
601.18
1075.32
2928.49
5622.14
7.14
69.17
220.80
1001.68
3133.58
5345.24
9725.31
38.95
96.59
215.25
413.43
788.13
1500.28
2714.60
0.48
7.91
28.73
81.53
205.99
492.71
1159.54
0.28
6.47
31.06
106.55
224.21
1004.66
3225.44
13.47
81.50
253.42
600.27
1147.23
1891.88
1.74
27.66
51.00
143.49
10.33
184.16
358.05
7.78
118.41
2.49
11.90
272.55
1119.06
3120.33
7727.51 15083.54 28253.00 51561.42
(4124.31) (310.59) (178.83) (147.65)
(95.19)
(87.31)
(82.50)
50094.46 55747.55 66653.75 82854.80 105875.76 156075.84 201351.41
(43.54)
(11.28)
(19.56)
(24.31)
(27.78)
(47.41)
(29.01)
2001-02
{Q>nUr: 1) H$mo>H$ _| AmH$S>| {nN>bo df H$s VwbZm _| d{ H$mo {VeV _| XemV| h

2) - `dgm` ew$ Zht {H$`m J`m H$mo XemVm h &
Hw$b
AmBEZOr d`m
EMS>rE\$gr Q>S>S> bmB\$ 0.002

~rabm gZ bmB\$
0.32
AmBgrAmBgrAmB y
5.97
H$moQ>H$ _hom
Q>mQ>m EAmBOr
Eg~rAmB bmB\$
~OmO AbmÒ
_g `y `mH$
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$m
Q>ma `y{Z`Z XmBMr
BpS>`m \$Q>
{ZOr jo
6.45
2000-01
~r_mH$Vm
Hw$b OrdZ ~r_m r{_`_
157288.04
(5.01)
1442.28
5564.69
4571.80
15356.22
2343.19
2747.50
7212.10
10624.52
3857.26
1996.64
4932.54
1992.87
206.47
436.17
360.41
152.60
318.97
296.41
31.21
3.37
50.19
64497.43
(25.09)
221785.47
(10.15)
2008-09
2010-11
186077.31 203473.40
(18.30)
(9.35)
1642.65
1708.95
7005.10
9004.17
5505.66
5677.07
16528.75 17880.63
2868.05
2975.51
3493.78
3985.22
10104.03 12911.64
11419.71
9609.95
4860.54
5812.63
2536.01
2508.17
6604.90
6571.15
2378.01
2345.17
250.59
243.41
611.27
821.52
669.73
792.02
541.51
726.16
571.12
811.00
842.45
1531.86
165.65
388.61
38.44
95.04
530.37
933.31
201.60
798.43
79369.94 88131.60
(23.06)
(11.04)
265447.25 291604.99
(19.69)
(9.85)
2009-10
(`. H$amoS> _|)
{ddaU 4
dm{fH$ [anmoQ>
2010-11
97
93.88
(36.14)
292.52
(43.93)
1423.81
(54.93)
166.68
(51.01)
1106.14
(67.41)
0.00
(0.00)
44.92
(60.69)
188.59
(45.91)
1075.26
(30.82)
2306.83
(42.55)
103.00
(23.78)
5.46
(1.06)
35681
(38.29)
78765
(41.24)
693357
(44.96)
97271
(57.79)
527091
(52.49)
0
(0.00)
17946
(48.65)
94174
(30.00)
451434
(54.35)
614751
(45.52)
33816
(31.20)
662
(0.59)
0
(0.00)
33810
(17.70)
15586
(1.01)
4177
(2.48)
33418
(3.33)
111071
(99.80)
0
(0.00)
0
(0.00)
332931
(40.09)
192550
(14.26)
55653
(51.35)
111167
(99.39)
0.00
(0.00)
144.90
(21.76)
100.80
(3.89)
13.77
(4.22)
271.37
(16.54)
696.91
(99.86)
0.00
(0.00)
0.00
(0.00)
2130.98
(61.09)
2132.59
(39.34)
299.83
(69.21)
508.13
(98.93)
~H$
nm{bgr`m
r{_`_
6809
(7.31)
16505
(8.64)
703053
(45.59)
3105
(1.84)
365059
(36.36)
221
(0.20)
5673
(15.38)
183032
(58.300
1416
(0.17)
51550
(3.82)
4
(0.00)
1
(0.00)
38.68
(14.89)
23.53
(3.53)
614.19
(23.70)
15.91
(4.87)
119.11
(7.26)
0.98
(0.14)
9.82
(13.27)
163.51
(39.80)
97.68
(2.80)
263.83
(4.87)
0.02
(0.00)
0.00
(0.00)
A`*
nm{bgr`m
r{_`_
{ZJ{_V A{^H$Vm
13093
(14.05)
19864
(10.40)
8309
(0.54)
22706
(13.49)
40552
(4.04)
0
(0.00)
2054
(5.57)
1783
(0.57)
10965
(1.32)
71468
(5.29)
667
(0.62)
1
(0.00)
nm{bgr`m
25.08
(9.65)
38.11
(5.72)
14.35
(0.55)
57.98
(17.74)
86.31
(5.26)
0.00
(0.00)
3.51
(4.74)
3.86
(0.94)
75.39
(2.16)
377.34
(6.96)
1.75
(0.40)
0.01
(0.00)
r{_`_
Xbmb
37600
(40.35)
42059
(22.02)
121700
(7.89)
41048
(24.39)
37973
(3.78)
6
(0.01)
11217
(30.41)
34965
(11.14)
33786
(4.07)
420175
(31.11)
18250
(16.84)
19
(0.02)
nm{bgr`m
102.15
(39.32)
166.87
(25.06)
438.78
(16.93)
72.40
(22.16)
57.92
(3.53)
0.03
(0.00)
15.77
(21.31)
54.86
(13.35)
109.14
(3.13)
340.85
(6.29)
28.63
(6.61)
0.01
(0.00)
r{_`_
`j {dH$`
_o)
93183
(100.00)
191003
(100.00)
1542005
(100.00)
168307
(100.00)
1004093
(100.00)
111298
(100.00)
36890
(100.00)
313954
(100.00)
830532
(100.00)
1350494
(100.00)
108390
(100.00)
111850
(100.00)
259.78
(100.00)
665.92
(100.00)
2591.92
(100.00)
326.74
(100.00)
1640.85
(100.00)
697.91
(100.00)
74.01
(100.00)
410.83
(100.00)
3488.45
(100.00)
5421.44
(100.00)
433.23
(100.00)
513.61
(100.00)
161
(0.17)
41218
(21.58)
12666
(0.82)
0
(0.00)
2988
(0.30)
0
(0.00)
82
(0.22)
7
(0.00)
824
(0.10)
380862
(28.20)
0
(0.00)
0
(0.00)
3.45
(1.33)
163.43
(24.54)
179.91
(6.94)
0.00
(0.000
1.11
(0.07)
0.00
(0.00)
0.13
(0.17)
0.02
(0.01)
2.31
(0.07)
182.06
(3.36)
0.00
(0.00)
0.00
(0.00)
Zò `mnma H$m

{Z{X>
nm{bgr`m
r{_`_
(nm[b{g`m| H$s g`m)
`{$JV
`moJ
nm{bgr`m
r{_`_
{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$mb {X`m J`m h &
B{S>`m \$Q>
AmBS>r~rAmB \o$S>b
r{_`_
nm{bgr`m
`{$JV A{^H$Vm
AmBgrAmBgrAmB y.
EMS>rE\$gr Q>S>S>
`yMa OZabr
S>rEbE\$ m_o[aH$m
Ho$Zam EMEg~rgr
{~abm gZ bmB\$
^maVr Egm
~OmO AbmÒ
A{ddm**
EJmoZ aobrJoà
~r_mH$Vm
(nr{_`_ H$amoS>
OrdZ ~r_mH$VmAm| Ho$ `{$JV Zò `mnma H$m {ZnmXZ - MZb AZwgma
{ddaU 5
dm{fH$ [anmoQ>
2010-11
nm{bgr`m
r{_`_
`{$JV A{^H$Vm
98
48967
155.73
(17.85)
(23.84)
28755
290.09
(11.11)
(30.05)
116796
433.11
(14.31)
(22.37)
46573
183.30
(23.28)
(28.82)
40
0.15
(0.00)
(0.01)
0
0.00
(0.00)
(0.00)
330767 2051.03
(35.19)
(42.82)
0
0.00
(0.00)
(0.00)
97452
589.80
(99.72)
(99.94)
44722
107.12
(8.08)
(9.59)
1604435 10109.61
(14.46)
(33.21)
332127
953.02
(0.90)
(1.81)
1936562 11062.63
(4.03)
(13.30)
14177
(5.17)
29431
(11.37)
225341
(27.61)
10834
(5.44)
936137
(49.20)
2765
(3.98)
23157
(2.46)
12048
(9.99)
0
(0.00)
42824
(7.74)
2633142
(23.73)
355339
(0.96)
2988481
(6.21)
29.41
(4.50)
72.16
(7.48)
379.60
(19.61)
29.41
(4.62)
653.48
(24.58)
2.22
(2.42)
61.86
(1.29)
26.82
(5.59)
0.00
(0.00)
47.03
(4.21)
2649.24
(8.70)
308.51
(0.59)
2957.75
(3.56)
{ZJ{_V A{^H$Vm
~H$
A`
nm{bgr`m
r{_`_ nm{bgr`m
r{_`_
3370
(1.23)
39051
(15.09)
31033
(3.80)
6340
(3.18)
92940
(4.88)
0
(0.00)
27372
(2.91)
40685
(33.73)
0
(0.00)
71820
(12.98)
504073
(4.54)
7315
(0.02)
511388
(1.06)
nm{bgr`m
11.39
(1.74)
126.12
(13.06)
43.99
(2.27)
20.96
(3.30)
164.32
(6.18)
0.00
(0.00)
101.64
(2.12)
151.53
(31.58)
0.00
(0.00)
148.42
(13.29)
1452.04
(4.77)
19.76
(0.04)
1471.80
(1.77)
r{_`_
Xbmb
20839
(7.59)
39441
(15.24)
11046
(1.35)
11704
(5.88)
133857
(7.04)
0
(0.00)
0
(0.00)
22803
(18.91)
0
(0.00)
27433
(4.96)
1065921
(9.61)
22505
(0.06)
1088426
(2.26)
nm{bgr`m
Omar {ddaU 5
20839
(7.59)
775
(0.30)
5413
(0.66)
7093
(3.56)
0
(0.00)
0
(0.00)
0
(0.00)
13879
(11.51)
2491
(2.55)
8995
(1.63)
498293
(4.49)
50479
(0.14)
548772
(1.14)
53.58
(8.20)
1.72
(0.18)
9.40
(0.49)
25.04
(3.94)
0.00
(0.00)
0.00
(0.000
0.00
(0.00)
57.44
(11.97)
9.10
(1.54)
24.57
(2.20)
713.26
(2.34)
122.65
(0.23)
835.91
(1.01)
Zò `mnma H$m

{Z{X>
nm{bgr`m
r{_`_
(nm[b{g`m| H$s g`m)
`{$JV
`moJ
nm{bgr`m
r{_`_
_o)
53.58
274401
653.15
(8.20) (100.00) (100.00)
82.10
258783
965.32
(8.50) (100.00) (100.00)
38.40
816259 1935.85
(1.98) (100.00) (100.00)
26.43
199211
636.07
(4.16) (100.00) (100.00)
281.57 1902685 2658.59
(10.59) (100.00) (100.00)
0.00
69532
91.80
(0.00) (100.00) (100.00)
0.00
939978 4789.37
(0.00) (100.00) (100.00)
65.42
120610
479.75
(13.64) (100.00) (100.00)
0.00
97730
590.17
(0.00) (100.00) (100.00)
20.64
553203 1117.18
(1.85) (100.00) (100.00)
1955.54 11094391 30441.94
(6.42) (100.00) (100.00)
60.78 37012277 52732.09
(0.12) (100.00) (100.00)
2016.32 48106668 83174.03
(2.42) (100.00) (100.00)
r{_`_
`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&
** {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$mb {X`m J`m h &
AmBEZOr d`m
187048
403.03
(68.17)
(61.71)
H$moQ>H$ _hom
122105
394.85
(47.18)
(40.90)
_g `y `mH$
432043 1040.76
(52.93)
(53.76)
_oQ> bmB\$
123760
375.97
(62.13)
(59.11)
{abm`g bmB\$
739711 1559.08
(38.88)
(58.64)
ghmam
66767
89.58
(96.02)
(97.58)
Eg~rAmB bmB\$
558682 2574.84
(59.44)
(53.76)
lram_
45074
235.98
(37.37)
(49.19)
Q>ma `y{Z`Z XmBMr
278
0.36
(0.28)
(0.06)
Q>mQ>m EAmBOr
366404
793.96
(66.23)
(71.07)
{ZOr `moJ
5286820 14275.50
(47.65)
(46.89)
EbAmBgr #
36294991 51390.02
(98.06)
(97.45)
CmoJ Hw$b
41581811 65665.52
(86.44)
(78.95)
~r_mH$Vm
(nr{_`_ H$amoS>
OrdZ ~r_mH$VmAm| Ho$ `{$JV Zò `mnma H$m {ZnmXZ - MZb AZwgma
dm{fH$ [anmoQ>
2010-11
99
0
(0.00)
0
(0.00)
0
(0.00)
BpS>`m \$Q>
AmBEZOr d`m
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
11
(28.95)
5
(55.56)
0
(0.00)
0.00
(0.00)
35.98
(18.82)
9.96
(85.01)
0.00
(0.00)
0
(0.00)
733109
(56.53)
53130
(7.63)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
2
(0.87)
0
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
1.47
(0.06)
0.00
(0.00)
0.04
(0.11)
0
(0.00)
0
(0.00)
0
(0.00)
98
(0.00)
0
(0.00)
124
(0.01)
0
(0.00)
2
(5.26)
0
(0.00)
11
(4.78)
51
(17.59)
61
(55.45)
0
(0.00)
{Q>nUr: 1. H$mo>H$ _| {Xò Jò AmH$S>o Cn`w$ MbZ mam A{OV {H$ò Jò Zò Jwn `mnma Ho$ Hw$b H$mo XemVo h&
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
7088
(0.23)
0.00
(0.00)
1
(0.91)
0
(0.00)
0
(0.00)
0
(0.00)
0.00
(0.00)
0.61
(0.32)
0.00
(0.00)
12.09
(0.50)
11.03
(1.93)
0
(0.00)
25
(65.79)
4
(44.44)
210
(91.30)
232
(80.00)
47
(42.73)
1
(100.00)
5
(55.56)
637037
(88.56)
27390
(1.27)
10010
(100.00)
95723
(91.91)
632723
(84.85)
7.34
(100.00)
154.56
(80.86)
1.76
(14.99)
1509
(100.00)
41952
(3.23)
643175
(92.37)
2424.15 3079433
(99.37)
(98.18)
526.65
(92.25)
14.89
(39.15)
0.01
(100.00)
104.57
(83.76)
403.30
(92.44)
10010
(100.00)
104151
(100.00)
745652
(100.00)
570.88
(100.00)
719353
(100.00)
38.02 2164775
(100.00) (100.00)
0.01
(100.00)
124.84
(100.00)
436.28
(100.00)
20.09
17668
(100.00) (100.000
0
(0.00)
38
(100.00)
9
(100.00)
696305
(100.00)
7.34
(100.00)
1509
(100.00)
191.15 1296914
(100.00) (100.00)
11.72
(100.00)
230 2439.54 3136447

(100.00) (100.00) (100.00)
290
(100.00)
110
(100.00)
1
(100.00)
9
(100.00)
246
(100.00)
6
(100.00)
0
(0.00)
521853
(40.24)
0
(0.00)
49828
(1.59)
33873
(4.71)
23.05 2137157
(60.63)
(98.72)
0.00
(0.000
0.00
(0.00)
170
(69.11)
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)
0
(0.00)
0
(0.000
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.02
(0.00)
0.00
(0.00)
14.93
(1.71)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
104
(0.01)
0
(0.00)
1954
(0.01)
-295
(0.02)
0
(0.00)
AmBS>r~rAmB \o$S>b
1.84
(0.08)
0
(0.00)
0
(0.00)
0.00
(0.00)
0
(0.00)
46206
(6.20)
0.00
(0.00)
1
(0.07)
0.07
(0.08)
0.00
(0.00)
7
(3.04)
48443
(6.73)
0.00
(0.00)
0
(0.00)
0
(0.00)
10.45
(2.40)
0
(0.00)
873.90 20107084
(100.00) (100.00)
1
(0.66)
0
(0.00)
AmBgrAmBgr y.
33.20
(5.82)
0
(0.00)
0
(0.00)
0.00
(0.00)
49
(19.92)
0
(0.00)
1498
(100.00)
79.08 1423737
(100.00) (100.00)
22679
(100.00)
7
(2.41)
104
(0.00)
0.00
(0.00)
0
(0.00)
4006
(0.54)
0.00
(0.00)
544.28 13329477
(62.28)
(66.29)
152
(100.00)
15.09
(100.00)
EMS>rE\$gr Q>S >S>
0.04
(0.10)
0
(0.00)
8428
(8.09)
0.52
(0.12)
0
(0.00)
676
(45.13)
66.92 1515639
(84.63) (106.45)
11
(100.00)
1
(0.91)
0
(0.00)
20.27
(16.24)
5
(2.03)
15392
(87.12)
103616
(0.52)
100
(65.79)
22679
(100.00)
`yMa OZabr
0.00
(0.00)
4
(44.44)
1205
(0.16)
15.74
(78.35)
26.00
(2.98)
39165
(2.75)
15.09
(100.00)
0
(0.00)
0
(0.00)
6.30
(1.44)
6
(100.00)
92
(6.14)
2.28
(2.89)
11
(100.00)
S>rEbE\$ m_o[aH$m
0.00
(0.00)
3
(1.22)
2276
(12.88)
177.96 6602636
(20.36)
(32.84)
31
(20.39)
0
(0.00)
0
(0.00)
61512
(8.25)
4.35
(21.65)
413
(27.57)
-135410
(9.51)
0.00
(0.00)
Ho$Zam EMEg~rgr
15.71
(3.60)
0
(0.00)
24331
(0.12)
8.09
(10.23)
0
(0.00)
19
(7.72)
0
(0.00)
117.87
(13.49)
3
(1.97)
0
(0.00)
{~abm gZ bmB\$
0.00
(0.00)
9
(0.600
812
(0.06)
0.00
(0.00)
0
(0.00)
47024
(0.23)
0.48
(0.60)
0
(0.00)
^maVr Egm
7.78
(0.89)
4
(2.63)
0
(0.00)
308
(20.56)
3531
(0.25)
0.00
(0.00)
~OmO AbmÒ
1.31
(1.66)
0
(0.00)
14
(9.21)
0
(0.00)
A{ddm
0.00
(0.00)
0
(0.00)
(`moOZmAm| d OrdZm| H$s g`m)
EJmoZ aobrJoà
_|)
{ZJ{_V _Y`V
Xbmb
`j {dH$` Jwn Zò `nma H$m `moJ
{Z{X>
~H$
A`
`moOZm r{_`_ OrdZ `moOZm r{_`_ OrdZ `moOZm r{_`_ OrdZ `moOZm r{_`_ OrdZ `moOZm r{_`_ OrdZ `moOZm r{_`_ OrdZ `moOZm r{_`_ OrdZ
gwa{jV
gwa{jV
gwa{jV
gwa{jV
gwa{jV
gwa{jV
gwa{jV
`{$JV _`W
~r_mH$Vm
(nr{_`_ H$amoS>
OrdZ ~r_mH$VmAm| H$m Jwn Zò `mnma _| H$m` {ZnmXZ - MZb AZwgma
{ddaU 6
dm{fH$ [anmoQ>
2010-11
13
(4.23)
0
(0.00)
1
(12.50)
2
(0.82)
0
(0.00)
0
(0.00)
14
(15.73)
386
(7.59)
4726
(18.53)
5112 2428.39 3435632

(16.71)
(5.63)
(4.13)
arbm`g bmB\$
ghmam
Eg~rAmB bmB\$
100
lram_
Q>ma `y{Z`Z XmBMr
Q>mQ>m EAmBOr
{ZOr `moJ
EbAmBgr
CmoJ Hw$b
207236
(0.44)
9910
(1.45)
0
(0.00)
0
(0.00)
17161
(1.14)
69
(6.23)
0
(0.00)
12394
(0.51)
1.42
(0.66)
168.52
(100.00)
0.00
(0.00)
653.31
(23.47)
0.00
(0.00)
0.00
(0.00)
9.33
(13.30)
0.00
(0.00)
0.00
(0.00)
2434
(0.36)
353994
(100.00)
0
(0.00)
942571
(62.62)
0
(0.00)
0
(0.00)
9156
(0.38)
0
(0.00)
0
(0.00)
300.81 2520154
(0.88)
(7.07)
1834 1328.61 4651600

(5.99)
(3.08)
(5.59)
1671
(6.55)
163 1027.80 2131446

(3.20) (11.51)
(4.48)
2
(2.25)
72
(100.00)
0
(0.00)
53
(21.72)
0
(0.000
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
671
(2.19)
235
(0.92)
436
(8.57)
1
(1.12)
0
(0.00)
1
(8.33)
2
(0.82)
0
(0.00)
0
(0.00)
2
(0.65)
0
(0.00)
0
(0.00)
22470
(3.30)
0
(0.00)
135574
(17.82)
7939
(0.53)
0
(0.00)
0
(0.00)
1559
(0.06)
0
(0.00)
0
(0.00)
80986
(0.23)
318.92 6735374
(0.74)
(8.09)
60.37
(0.18)
258.55 6654388
(2.90) (13.99)
9.52
(4.43)
0.00
(0.00)
36.63
(39.72)
8.52
(0.31)
0.00
(0.00)
0.00
(0.00)
0.07
(0.11)
0.00
(0.00)
0.00
(0.00)
1266
(4.14)
101
(0.40)
1165
(22.90)
12
(13.48)
0
(0.00)
4
(33.33)
1
(0.41)
0
(0.00)
42
(10.99)
170
(55.37)
369
(51.83)
270
(40.85)
{Q>nUr: 1. H$mo>H$ _| {Xò Jò AmH$S>o Cn`w$ MbZ mam A{OV {H$ò Jò Zò Jwn `mnma Ho$ Hw$b H$mo XemVo h &
3. ~Vmò Jò gnH$ Ho$ mam Cn`w$ MZb _| OmoS>o Jò h &
2342.28 3228396
(6.84)
(9.05)
86.11
(0.96)
6.26
(2.91)
0.00
(0.00)
0.00
(0.00)
17.09
(0.61)
0.00
(3.38)
0.00
(0.00)
2.88
(4.10)
0
(0.00)
_oQ> bmB\$
0.00
(0.00)
0
(0.00)
0
(0.00)
_g `y `mH$
0.00
(0.00)
{ZJ{_V _Y`V
Xbmb
`j {dH$`
_|)
{Z{X>
(`moOZmAm| d OrdZm| H$s g`m)
Jwn Zò `nma H$m `moJ
19116
(2.80)
0
(0.00)
31564
(4.10)
104
(0.01)
0
(0.00)
131373
(15.68)
815049
(33.56)
181075
(2.11)
525767
(26.84)
21671
(0.06)
187.68
(87.28)
0.00
(0.00)
55.26
(59.92)
2104.08
(75.60)
0.02
(96.62)
372.62
(99.01)
627779
(92.09)
0
(0.00)
602361
(78.28)
537553
(35.71)
1039
(93.77)
706485
(84.32)
29.09 1590514
(41.47)
(65.49)
118.05 8407751
(94.04)
(97.89)
213.02 1432801
(74.01)
(73.16)
21713 38869.75 63752022

(70.97) (90.06) (76.60)
18776 31526.40 29808992

(73.61) (92.09) (83.59)
2937 7343.35 33943030

(57.74) (82.26) (71.35)
60
(67.42)
0
(0.00)
7
(58.33)
186
(76.23)
7
(87.50)
340
(89.01)
122
(39.74)
343
(48.17)
391
(59.15)
0.02
(100.00)
376.35
(100.00)
1108
(100.00)
837858
(100.00)
70.15 2428672
(100.00) (100.00)
125.54 8588826
(100.00) (100.00)
287.81 1958568
(100.00) (100.00)
215.04
(100.00)
168.52
(100.00)
92.23
(100.00)
681709
(100.00)
353994
(100.00)
769499
(100.00)
30596 43159.21 83232045

(100.00) (100.00) (100.00)
25509 34232.58 35660199

(100.00) (100.00) (100.00)
5087 8926.63 47571846

(100.00) (100.00) (100.00)
89
(100.00)
72
(100.00)
12
(100.00)
244 2783.02 1505328

(100.00) (100.00) (100.00)
8
(100.00)
382
(100.00)
307
(100.00)
712
(100.00)
661
(100.00)
* ~H$ Ho$ Abmdm, {ZJ{_V A{^H$Vm Ho$ $n _| nOrH$V H$moB A` g`m
213.54 4657417
(0.49)
(5.60)
2.71
(0.01)
210.83 4635746
(2.36)
(9.74)
10.16
(4.72)
0.00
(0.00)
0.34
(0.37)
0.03
(0.00)
0.00
(0.00)
3.73
(0.99)
28.78
(41.03)
7.49
(5.96)
74.79
(25.99)
3
(0.01)
0
(0.00)
3
(0.06)
0
(0.00)
0
(0.00)
1
(8.33)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
39.23
(0.09)
0.00
(0.00)
39.23
(0.44)
0.00
(0.00)
0.00
(0.00)
18.45
(20.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
5.76
(8.21)
0.00
(0.00)
0.00
(0.00)
319262
(0.38)
0
(0.00)
319262
(0.67)
0
(0.00)
0
(0.00)
315732
(41.03)
0
(0.00)
0
(0.00)
0
(0.00)
1767
(0.07)
0
(0.00)
0
(0.00)
~H$
A`
OrdZ `moOZm r{_`_ OrdZ `moOZm r{_`_ OrdZ `moOZm r{_`_ OrdZ `moOZm r{_`_ OrdZ `moOZm r{_`_ OrdZ `moOZm r{_`_ OrdZ
gwa{jV
gwa{jV
gwa{jV
gwa{jV
gwa{jV
gwa{jV
gwa{jV
0
(0.00)
`moOZm r{_`_
`{$JV _`W
H$moQ>H$ _ho
~r_mH$Vm
(nr{_`_ H$amoS>
OrdZ ~r_mH$VmAm| H$m Jwn Zò `mnma _| H$m` {ZnmXZ - MZb AZwgma
Omar {ddaU 6
dm{fH$ [anmoQ>
2010-11
212
2
1533
2678
125
0
2329
2587
357
73
132
483
835
382
1031
5
5
0
2
2444
10458
1458
0
1086
1
2366
80
3018
0
757
0
6
2444
0
1
36890
0.49 16575 25.28 42942 187.47

0.00
0
0.00
0
0.00
1.50 2231
3.29 8663 35.64
3.09 26825 25.73 6510 23.53
0.15
967
1.89 5780 19.82
0.00
648
1.07 3802 29.07
5.54 13748 18.66 51246 250.10
7.15 5769 10.38 33323 202.19
1.01 3363
4.41 3277 12.30
0.12
976
2.10 3133 14.57
0.17 8849 12.52 6293 30.15
1.90 14000 17.90 70039 267.54
2.43 15847 23.39 39232 221.23
0.49 5243
8.89 23945 83.10
0.72 38413 55.82 244414 813.18
0.00
0
0.00
0
0.00
0.00
0
0.00
652
1.78
0.00
0
0.00
0
0.00
0.00
0
0.00
5
0.00
3.03 11506 14.90 14234 48.58
26.14 9861 15.09 33641 142.31
2.75 11606 13.64 22580 78.37
0.00
0
0.00
538
2.80
1.61 26443 28.92 49806 280.43
0.00
0
0.00 3087
7.74
3.91 38391 54.64 56602 207.82
0.11 1359
1.87 3408 13.33
3.23 47236 47.99 44143 209.12
0.00
0
0.00
0
0.00
2.44
972
1.82 10778 55.34
0.00
0
0.00
0
0.00
0.02
0
0.00
0
0.00
5.99 13126 20.59 47114 244.29
0.00
0
0.00
0
0.00
0.01
0
0.00 1345
6.67
74.01 313954 410.83 830532 3488.45
3460 11.54 17410 30.45 145196 189.65 10837 21.55 83418 97.86 6707 41.09
0
0.00
422
1.87 1187
3.09
0 0.000
337
2.11
11
0.03
2009
3.43 4504 12.22 55564 75.65
825 3.627 32770 34.51
987
4.26
297
0.84 6390 12.03 151619 191.98 2242
3.21 66054 71.17 2583 13.07
922
3.73 3158
6.01 17375 35.14 3758
7.41 12410 18.88
699
3.21
893
2.39
460
3.34 1754
8.21
491 2.282 2675
9.62
555
4.30
5410 15.87 8927 39.83 54048 139.80 10786 22.95 46944 89.52 2485 19.29
1530
5.34 7894 39.79 22245 41.80 1256
1.64 15967 48.77 7508 42.17
310
0.64
723
2.27 13342 20.74
503
0.92 3106
6.04
523
2.06
207
0.39
855
2.19 12960 33.44 1007 1.661 1121 2.238
2 0.030
988
4.81 3517 10.08 59065 96.83 4647
8.55 15142 23.15 1528
6.15
3678 13.98 7516 31.30 101629 133.51 11210 29.12 55446 137.22 15298 79.11
2424
7.86 3913 21.91 39258 138.67 8429 15.38 21874 63.76 3888 31.23
4037
6.96 8612 19.45 34320 63.05 3165
4.98 67188 55.13 1502
8.47
27640 54.72 21249 110.46 98785 276.40 19056 51.06 124739 303.72 9694 135.60
0
0.00
50
0.43 12632 12.62
0
0.00 46453
4.01
1
0.01
0
0.00
259
0.74 1100
2.54
123
0.11 2268
5.38
100
0.41
0
0.00
2
0.09
797
5.20
0
0.00
240 2.717
0 0.000
0
0.00
93
0.43
733
1.19
0
0.00 1330
4.55
4
0.04
2038
3.61 7418 22.09 93395 132.94 3910
7.06 39507 44.09 1278
5.29
4287 11.15 12993 44.73 32977 82.66 7790 14.00 21103 38.91 13159 52.69
2530
6.50 16486 28.91 31893 49.86 6378 10.47 45329 58.13 5305 15.80
115
0.44
358
1.10 1122
4.91
295
0.61
673 1.674
70 0.608
6248 21.12 11068 45.77 153859 189.10 14474 28.66 65091 97.47 7632 55.84
0
0.00 1804
3.15 11023 11.93
0 0.0000 1133
1.04
124
0.63
8370 29.20 13640 38.10 174644 263.29 27256 29.91 123083 148.23 16390 58.26
664
1.53 3590
9.29 23824 33.22 2089
2.54 7699
8.05 1697
5.09
4829 17.42 14129 55.77 169959 254.78 14055 21.33 58399 110.81 5276 47.42
0
0.00
13 0.048
813
0.50
0
0.00
0
0.00
16
0.16
2190
7.22
781
3.45 1943
5.25 3583
7.48 5676 17.95
530
4.68
0
0.00
55
0.13
444
0.82
0
0.00
126
0.00
35
0.23
0
0.00
8
0.04
0
0.00
0
5.08
0
0.00
6
0.03
8107 29.08 12451 67.86 19415 90.00 10142 25.13 35089 131.45 5620 60.16
0
0.00
3
0
40
0.09
0
0.00
0
0.00
6
0.02
0
0.00
252
0.59 3045
3.06
0
0.00 1703
2.69
79
0.49
93183 259.78 191003 665.92 1542005 2591.92 168307 326.74 1004093 1640.85 111298 697.91
AmY Xoe
AUmMb Xoe
Ag_
{~hma
N>mrgJT>
Jmodm
JwOamV
h[a`mUm
{h_mMb Xoe
O_y Ama H$_ra
PmaIS>
H$ZmQ>H$
Ho$ab
_` Xoe
_hmam>
_{Unwa
_oKmb`
{_Omoa_
ZmJmbS>
CS>rgm
nOm~
amOWmZ
{g{$_
V{_bZmSw>
{nwam
Cma Xoe
CmamIS>
n{_ ~Jmb
AS>_mZ VWm {ZH$mo~ma rng_yh
MS>rJT>
XmXa VWm ZJa hdobr
X_Z Ama Xrd
{Xr
bjrn
nwSw>Moar
H$nZr Hw$b
EJmoZ aobrJoà
A{ddm
~OmO AbmÒ
^maVr Egm
{~abm gZbmB\$
Ho$Zam EMEg~rgr
S>rEbE\$ m_o[aH$m
`yMa OZabr
EMS>rE\$gr Q>S>S>
nm{b{g`m| r{_`_ nm{b{g`m| r{_`_ nm{b{g`m| r{_`_ nm{b{g`m| r{_`_ nm{b{g`m| r{_`_ nm{b{g`m| r{_`_ nm{b{g`m| r{_`_ nm{b{g`m| r{_`_ nm{b{g`m| r{_`_
H$s g`m
H$s g`m
H$s g`m
H$s g`m
H$s g`m
H$s g`m
H$s g`m
H$s g`m
H$s g`m
(nr{_`_ H$amoS>
_|)
{ddaU 7
am`/Ho$
em{gV Xoe
am`mZwgma ~r_m boIZ {H$`m J`m `{$JV Z`m `mnma
dm{fH$ [anmoQ>
101
2010-11
321.54 8241 22.29 22990 67.09 59744 132.49 8098

0.00
64
0.78
14
0.04
4
0.01
0
71.57 1621
6.84
270
1.16 1534
3.03 3680
116.58 2491
6.01 2079
8.43
867
1.74
490
38.21
526
2.13
878
4.02
968
2.31
745
21.91 1058
5.05 1004
5.95 1353
3.78
317
408.31 4737 18.42 15287 143.04 12091 40.46 38292
57.09 2706
8.68 1346
4.77 5295 13.11 17755
36.34
228
0.70
160
1.09 1116
3.17
0
30.04
56
0.27
17
0.10 1408
3.80
542
78.83 1541
4.36
907
4.65 1372
2.89 3403
295.54 7002 23.95 1850 12.30 45585 111.37 15702
365.70 15385 139.43
767
4.97 14267 36.54 6019
102.92 3663
9.00 3496 11.81 6309 11.49 5349
1124.09 19104 67.28 9726 52.72 14194 36.12 54794
1.60
84
0.45
152
0.82
6
0.03
0
1.22
76
1.35
120
0.56
14
0.02
0
3.92
93
0.58
0
0.01
2
0.00
0
0.00
86
0.62
78
2.74
7
0.01
0
113.28 5928
2.83 2702 10.00 10164 23.25
948
299.18 3058 12.52
801
6.44 6514 18.17 14559
195.64 5187 13.83 13219 48.01 12083 22.15 5666
1.67
45
0.14
230
0.48
27
0.17
0
450.93 5205 18.22 4014 17.19 43558 95.98 15686
8.63
40
0.21
26
0.34
17
0.02
0
363.98 8574 25.63 21227 66.36 15708 34.56 12495
37.37
822
2.11 3197
8.95 3078
6.71 1041
304.74 5871 17.54 3007 16.82 7956 20.97 18539
0.73
4
0.01
13
0.04
0
0.00
0
0.00
460
1.93
84
0.33
656
2.34 1680
0.00
28
0.08
140
1.05
65
0.10
288
0.00
15
0.08
67
0.34
27
0.06
0
569.89 4332 19.73 1949 10.90 7628 24.70 32476
0.00
1
0.00
0
0.00
97
0.24
0
0.00
58
0.19
33
0.10
687
1.37
219
5421.44 108390 433.23 111850 513.61 274401 653.15 258783
29.70 64750 132.13 13556 39.12 94125

0.00
103
0.53
58
0.07 939.00
14.23 9356 24.84 3792 10.59 28780
3.09 17305 28.78 3057
3.41 76602
2.46 8299 18.88 2196
7.32 9112
6.82 6628 19.20
480
1.85 1481
144.31 66966 171.83 7979 21.79 60494
40.56 35185 79.82 5553 11.52 22707
0.00 5257
8.05
558
1.25 6822
1.62 4665 10.07 32659 95.38 7686
10.90 8981 19.44 2847
6.08 36365
56.12 31391 95.68 21167 84.15 35804
25.27 23695 57.31 16431 75.52 22515
19.50 18165 37.53 2233
5.24 44356
258.36 112408 313.05 14425 78.45 82899
0.00 3894
7.88
0
0.00
0.00
0.00
418
1.59
0
0.00 1535
0.00
76
0.38
0
0.00
814
0.00
441
4.65
0
0.00
399
3.03 24253 45.58 5976 11.09 48924
38.90 34803 88.45 7808 18.78 21197
16.80 35774 71.62 4986
8.64 33756
0.00
358
1.47
0
0.00
334
55.36 59720 152.72 10557 28.85 60178
0.00 2431
5.14
309
0.55 7143
42.99 69682 135.45 16610 34.52 144453
3.50 13711 31.98 1428
4.73 17914
48.76 89231 169.71 13128 41.30 979824
0.00
499
1.41
0
0.00
0.00
4.96 7265 16.76 1523
4.43 2522
0.79
27
0.12
0
0.00
0.00
0.00
56
0.14
0
0.00
0.00
136.38 59490 181.53 9761 41.17 51917
0.00
0
0.00
0
0.00
0.00
0.91
977
2.14
134
0.27 1088
965.32 816259 1935.85 199211 636.07 1902685
164.20
4.33
51.98
98.57
27.46
15.479
185.89
48.45
27.46
19.93
72.65
76.53
69.18
102.03
225.12
0.00
4.35
3.03
4.99
65.88
62.74
63.71
0.78
121.88
9.92
253.93
34.09
704.87
0.00
7.58
0.00
0.00
129.08
0.00
2.48
2658.59
2192
0
779
17199
450
0
2902
963
0
0
2536
496
0
2240
744
0
0
0
0
1791
208
7189
0
501
0
24134
627
3301
0
360
0
0
920
0
0
69532
2.74
0.00
1.01
18.44
0.83
0.00
3.82
1.03
0.00
0.00
3.85
0.98
0.00
2.66
1.22
0.00
0.00
0.00
0.00
2.49
0.25
11.32
0.00
0.72
0.00
32.29
0.86
5.86
0.00
0.51
0.00
0.00
0.93
0.00
0.00
91.80
93954
0
20979
44043
11607
2090
73867
16452
24777
8965
20674
113598
57754
26698
260235
553
363
451
0
43357
56066
54639
359
80090
2911
162446
20780
71343
217
0
0
0
81226
0
0
1350494
AmY Xoe
AUmMb Xoe
Ag_
{~hma
N>mrgJT>
Jmodm
JwOamV
h[a`mUm
{h_mMb Xoe
O_y Ama H$_ra
PmaIS>
H$ZmQ>H$
Ho$ab
_` Xoe
_hmam>
_{Unwa
_oKmb`
{_Omoa_
ZmJmbS>
CS>rgm
nOm~
amOWmZ
{g{$_
V{_bZmSw>
{nwam
Cma Xoe
CmamIS>
n{_ ~Jmb
MS>rJT>
XmXa VWm ZJa hdobr
X_Z Ama Xrd
{Xr
bjrn
nwSw>Moar
H$nZr Hw$b
AmBgrAmBgrAmB w. AmBS>r~rAmB \o$S>b

BpS>`m \$mQ>
AmBEZOr d`
H$moQ>H$ _hom
_g Zy `mH$
_oQ> bmB\$
[abm`g bmB\$
ghmam
nm{b{g`m| r{_`_ nm{b{g`m| r{_`_ nm{b{g`m| r{_`_ nm{b{g`m| r{_`_ nm{b{g`m| r{_`_ nm{b{g`m| r{_`_ nm{b{g`m| r{_`_ nm{b{g`m| r{_`_ nm{b{g`m| r{_`_
H$s g`m
H$s g`m
H$s g`m
H$s g`m
H$s g`m
H$s g`m
H$s g`m
H$s g`m
H$s g`m
(nr{_`_ H$amoS>
am`/Ho$
em{gV Xoe

_|)
Omar {ddaU 7
dm{fH$ [anmoQ>
102
2010-11
53452
1
9
522
975
49
2710
1719
221
2
1072
6350
3292
3133
4936
2
2
1
1
617
1611
2160
1
31958
20
2279
608
362
3
157
1
46
1865
1
472
120610
115748
1962
36441
42041
26508
4069
37654
21211
8771
3751
23413
46790
50929
57150
86145
2205
2411
630
1644
46967
23497
60649
526
80242
1423
73483
11890
47011
199
2239
109
276
19832
1
2161
939978
AmY Xoe
AUmMb Xoe
Ag_
{~hma
N>mrgJT>
Jmodm
JwOamV
h[a`mUm
{h_mMb Xoe
O_y Ama H$_ra
PmaIS>
H$ZmQ>H$
Ho$ab
_` Xoe
_hmam>
_{Unwa
_oKmb`
{_Omoa_
ZmJmbS>
CS>rgm
nOm~
amOWmZ
{g{$_
V{_bZmSw>
{nwam
Cma Xoe
CmamIS>
n{_ ~Jmb
MS>rJT>
XmXa VWm ZJa hdobr
X_Z Ama Xrd
{Xr
bjrn
nwSw>Moar
H$nZr Hw$b
103
BZHo$ {dXoer Zò `mnma r{_`_ BZ_| Zr{hV Zhr h &
576.87
11.47
87.99
168.69
111.64
26.83
280.79
111.07
64.04
21.87
103.52
243.13
315.12
244.40
454.19
5.40
14.17
3.45
6.42
184.08
136.25
237.08
4.66
476.64
5.45
417.93
71.76
247.30
1.23
13.39
0.65
3.49
122.79
0.00
15.60
4789.37
nm{b{g`m|
H$s g`m
Eg~rAmB bmB\$
nm{b{g`m|
r{_`_
H$s g`m
am`/Ho$
em{gV Xoe
lram_
234.03
0.01
0.02
0.72
4.02
0.16
6.32
1.93
0.509
0.01
2.16
22.56
7.32
7.57
18.84
0.00
0.00
0.01
0.00
1.80
2.16
3.93
0.003
147.67
0.05
7.20
1.29
1.04
0.01
0.33
0.000
0.27
3.66
0.00
4.15
479.75
r{_`_
4649
2
1164
4001
1194
331
6566
1720
220
178
7224
2682
2642
13216
17345
1
75
0
1
2400
3486
1946
76
3896
27
13552
596
5615
2
238
10
5
2592
0
78
97730
21.26
0.00
3.87
15.26
7.12
3.53
53.93
9.76
1.156
1.60
46.62
18.27
21.30
58.50
116.09
0.00
0.47
0.00
0.00
12.58
38.03
14.48
0.351
18.80
0.34
70.45
1.94
33.15
0.00
1.20
0.095
0.06
19.23
0.00
0.72
590.17
Q>ma `y{Z`Z XmBMr

nm{b{g`m|
r{_`_
H$s g`m
23877
0
35458
15555
9876
899
30614
13523
2204
0
17260
17150
20331
5969
87736
0
81
173
0
43867
6020
24136
0
52787
4471
27421
1549
85454
0
3195
0
0
23597
0
0
553203
_|)
3546.59 4134985
15.15
14250
857.69 1013067
1611.78 2541171
416.18
728889
259.93
143937
3475.31 2464183
818.25
802421
677.70
419388
379.51
246749
901.91
872659
3034.40 3185958
2941.19 2193836
2325.38 1966708
7824.37 5628117
76.41
92004
54.28
27011
17.57
6620
29.21
19707
1214.83 1611715
1283.26 1138228
2290.09 2251502
26.56
17618
4155.10 3429971
175.19
132017
5312.16 5132460
680.23
576776
5082.61 5467384
27.76
17466
556.38
198953
0.89
2156
18.42
4897
2563.65 1565792
0.178
247
81.97
57825
52732.09 48106668
5935.93
39.51
1379.42
2459.16
749.54
433.40
5623.17
1634.80
879.75
620.93
1486.40
4818.71
4645.81
3200.27
12570.95
109.66
89.36
37.74
54.85
2021.38
2447.18
3295.11
48.43
6568.47
238.88
7685.31
963.77
7662.28
31.90
723.72
4.94
28.03
4561.31
0.56
123.41
83174.03
am` Hw$b (CmoJ)

nm{b{g`m|
r{_`_
H$s g`m
(nr{_`_ H$amoS>
EbAmB gr#
nm{b{g`m|
r{_`_
H$s g`m
2389.34 3242852
24.36
9144
521.73
760118
847.38 2049721
333.36
610361
173.47
112899
2147.86 1908101
816.55
558208
202.05
343550
241.42
166485
584.49
644904
1784.31 2561092
1704.62 1824109
874.89 1626337
4746.58 4278404
33.25
25966
35.08
17409
20.17
3342
25.64
14884
806.55 1198091
1163.92
812330
1005.02 1846547
21.87
12491
2413.37 2645872
63.69
96027
2373.15 4079654
283.54
455125
2579.66 3775698
4.14
15687
167.34
151364
4.05
828
9.61
4386
1997.66 1114700
0.38
98
41.44
45492
30441.94 37012277
am` Hw$b ({ZOr)

nm{b{g`m|
r{_`_
H$s g`m
40.49
892133
0.00
5106
70.48
252949
33.01
491450
10.72
118528
2.63
31037
67.40
556082
29.53
244213
7.89
75838
0.00
80263
36.14
227756
32.17
624866
61.11
369727
11.70
340372
199.38 1349713
0.00
66038
0.39
9602
0.79
3279
0.00
4824
49.06
413624
14.36
325897
33.39
404955
0.00
5127
79.47
784099
8.55
35990
54.50 1052806
3.22
121651
199.72 1691685
0.00
1779
7.95
47589
0.00
1328
0.000
512
63.12
451093
0.000
149
0.00
12332
1117.18 11094391
Q>mQ>m EAmBOr
nm{b{g`m|
r{_`_
H$s g`m
Omar {ddaU 7
dm{fH$ [anmoQ>
2010-11
(nr{_`_ H$amoS>
_|)
18
0
0
0
0
0
9
39
0
0
0
12
0
0
28
0
0
0
0
0
0
0
0
3
0
0
0
16
0
0
0
0
27
0
0
152
21.15 1271612
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
3.81
1370
6.16
50886
0.00
0
0.00
0
0.00
0
5.03
12569
0.00
0
0.00
0
32.99
34464
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
-12
0.00
0
0.00
0
2.48
2733
0.00
0
0.00
0
0.00
0
1.62
34760
0.000
0
0.00
0
0.00
0
0.00
0
5.83
15355
0
0
0.00
0
79.08 1423737
265
0
2
17
8
2
55
10
2
1
8
64
19
13
168
0
0
0
0
8
11
4
0
692
1
36
3
45
0
2
0
0
62
0
0
1498
127.54 15637230
0.00
0
3.16
17733
4.57
2410
0.60
2598
0.08
1430
13.00
37225
8.33
15312
1.06
1813
0.82
1688
1.34
2975
40.49 573987
131.22
23601
4.61
36841
384.62 947204
0.00
0
0.00
0
0.00
0
0.00
0
1.02
4962
14.01
25921
36.05
87086
0.00
0
14.05 2187583
0.01
120
33.39 331512
0.58
1314
27.28
67756
0.00
0
2.83
925
0.00
0
0.00
0
23.26
97858
0.00
0
0.00
0
873.90 20107084
0
0
0
0
0
0
0
0
0
0
0
0
0
0
6
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
6
0.33
0.000
0.001
0.05
0.56
0.346
4.48
0.02
0.00
0.000
0.03
0.51
0.23
0.97
5.90
0.00
0.00
0.00
0.00
0.12
0.25
1.01
0.00
0.92
0.0000
0.20
0.15
0.95
0.00
0.04
0.00
0.00
3.01
0.00
0.00
20.09
284
0
6
71
261
129
2724
1234
2
0
51
844
199
813
2196
0
0
0
0
34
3116
2529
0
1085
0
967
97
307
0
1
0
0
718
0
0
17668
22
0
0
0
0
1
3
30
5
1
1
42
0
9
59
0
0
0
0
2
1
15
0
7
0
16
1
16
0
2
0
0
13
0
0
246
28.28
0.00
0.00
0.00
0.01
0.93
23.40
17.39
2.19
0.002
0.01
81.66
0.00
0.05
147.74
0.00
0.00
0.000
0.00
20.06
0.06
5.17
0.000
26.58
0.00
1.28
0.00
59.51
0.00
0.16
0.00
0.00
21.81
0.00
0.00
436.28
66206
0
0
0
349
200
29341
31301
1437
53
17
272981
7
6041
135070
0
0
0
0
7106
2106
110801
0
9948
0
14649
75
40730
0
3695
0
0
13539
0
0
745652
0
0
0
0
0
0
0
1
1
0
0
4
0
0
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
9
0.00
0.00
0.00
0.00
0.00
0.00
0.00
1.00
5.00
0.000
0.00
59.29
0.00
0.00
53.50
0.00
0.00
0.000
0.00
0.00
0.00
0.00
0.000
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
6.05
0.00
0.00
124.84
0
0
0
0
0
0
0
499
62
0
0
56368
0
0
43189
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
4033
0
0
104151
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
1
0
0
0
0
0
0
0
1
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.01 10010
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.01 10010
EJmoZ aobrJoà
A{ddm
~OmO AbmÒ
^maVr Egm
{~abm gZbmB\$
Ho$Zam EMEg~rgr
S>rEbE\$ m_o[aH$m
`moOZmAm| nr{_`_ OrdZ `moOZmAm| nr{_`_ OrdZ `moOZmAm| nr{_`_ OrdZ `moOZmAm| nr{_`_ OrdZ `moOZmAm| nr{_`_ OrdZ `moOZmAm| nr{_`_ OrdZ `moOZmAm| nr{_`_ OrdZ
H$s g`m
gwa{jV H$s g`m
gwa{jV H$s g`m
gwa{jV H$s g`m
gwa{jV H$s g`m
gwa{jV H$s g`m
gwa{jV H$s g`m
gwa{jV
AmY Xoe
0
0.00
0
AUmMb Xoe
0
0.00
0
Ag_
0
0.00
0
{~hma
0
0.00
0
N>mrgJT>
0
0.00
0
Jmodm
0
0.00
0
JwOamV
0
0.00
0
h[a`mUm
0
0.00
0
{h_mMb Xoe
0
0.00
0
O_y Ama H$_ra
0
0.00
0
PmaIS>
0
0.00
0
H$ZmQ>H$
0
0.00
0
Ho$ab
0
0.00
0
_` Xoe
0
0.00
0
_hmam>
11
15.09
22679
_{Unwa
0
0.00
0
_oKmb`
0
0.00
0
{_Omoa_
0
0.00
0
ZmJmbS>
0
0.00
0
CS>rgm
0
0.00
0
nOm~
0
0.00
0
amOWmZ
0
0.00
0
{g{$_
0
0.00
0
V{_bZmSw>
0
0.00
0
{nwam
0
0.00
0
Cma Xoe
0
0.00
0
CmamIS>
0
0.00
0
n{_ ~Jmb
0
0.00
0
0
0.00
0
MS>rJT>
0
0.00
0
XmXa VWm ZJa hdobr
0
0.00
0
X_Z Ama Xrd
0
0.00
0
{Xr
0
0.00
0
bjrn
0
0.00
0
nwSw>Moar
0
0.00
0
H$nZr Hw$b
11
15.09 22679
am`/Ho$
em{gV Xoe
{ddaU 8
dm{fH$ [anmoQ>
104
2010-11
105
(nr{_`_ H$amoS>
_|)
0
0
0
0
0
0
0
0
0
0
23
0
0
36
0
0
0
0
0
0
0
0
0
0
0
0
6
0
0
0
0
45
0
0
110
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
9.29 2106071
0.00
0
0.00
0
12.63
19912
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.09
323
0.00
0
0.00
0
0.00
0
0.00
0
16.01
38469
0.00
0
0.00
0
38.02 2164775
0
1
0
0
5
5
2
0
0
0
31
1
0
110
0
0
0
0
4
0
0
0
53
0
0
0
17
0
1
0
0
51
0
0
290
0
3.11
0.00
0.00
3.02
4.10
13.30
0.00
0.00
0.00
76.12
0.00
0.03
247.83
0
0.00
0
0
16.06
0.00
0.52
0.00
9.64
0.00
7.02
0.00
55.38
0
0.53
0
0
131.63
0
0.00
570.88
0
13000
0
0
744
7380
2342
0
0
840
60343
13
0
234280
0
0
0
0
14060
0
0
0
77856
0
0
0
37997
0
290
0
0
269335
0
0
719353
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
7
1.08
13957
9
17.68
14689
1
2.54
85
0
0.00
0
0
0.00
0
0
0.00
0
41 134.40 942306
0
0.00
0
0
0.00
0
80 1313.07 1126792
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
1
5.33
6
0
0.00
0
24
42.10 172860
0
0.00
0
0
0.01
1
1
0.06
4
13
60.00 195746
0
0.00
0
1
0.30
24
0
0.00
0
0
0.00
0
45 851.10 646377
0
0.00
0
0
0.00
0
230 2439.54 3136447
0
0
0
0
0
1
0
0
0
0
0
3
0
1
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
3
0
0
9
0.00
0.00
0.00
0.00
0.00
0.14
0.00
0.00
0.00
0.00
0.05
1.64
0.06
8.01
0.00
0.00
0.00
0.00
0.00
0.00
0.03
0.00
0.00
0.00
0.04
0.00
0.00
0.00
0.00
0.00
0.00
1.75
0.00
0.00
11.72
0
0
0
0
0
41840
0
0
0
0
14906
51616
33762
16813
0
0
0
0
0
0
5660
0
0
0
11830
0
0
0
0
0
0
519878
0
0
696305
0
0
0
0
0
2
0
1
0
0
2
0
1
13
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
1
0
0
38
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
100.02
16291
0.00
0
0.03
13
0.00
0
0.00
0
0.01
2561
0.00
0
0.00
60
8.42
20446
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.11
160
0.00
0
0.00
83
0.00
0
0.00
0
191.15 1296914
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
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
7.12
0.00
0.00
0.08
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.14
0.00
0.00
7.34
0
0
0
0
0
0
0
0
0
0
1371
0
0
138
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1509
0
0.00
0
0
0.00
41
3
0.05
9381
0
0.00
0
1
0.00
106
22
2.17 27333
44 10.24 116741
1
0.00
251
0
0.00
0
2
0.04 14599
180 54.08 367152
0
0.92
503
3
0.00
374
208 161.00 800638
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
3
0.16 41963
0
0.00
0
2
0.04
270
0
0.00
0
35 17.89 128652
0
0.00
0
18
2.51 139188
2
0.12
6623
16
5.96 31498
0
0.00
0
0
0.00
0
1
0.00
61
0
0.00
0
83 28.87 65969
0
0.00
0
0
0.00
0
661 287.81 1958568
`yMa OZambr
EMS>rE\$gr Q>mS>S>
AmBgrAmBgr w.
AmBS>r~rAmB \o$S>b
B{S>`m \$Q>
AmBEZOr d`
H$moQ>H$ _hoXm
H$s g`m
gwa{jV H$s g`m
gwa{jV H$s g`m
gwa{jV H$s g`m
gwa{jV H$s g`m
gwa{jV H$s g`m
gwa{jV H$s g`m
gwa{jV
AmY Xoe
AUmMb Xoe
Ag_
{~hma
N>mrgJT>
Jmodm
JwOamV
h[a`mUm
{h_mMb Xoe
O_y Ama H$_ra
PmaIS>
H$ZmQ>H$
Ho$ab
_` Xoe
_hmam>
_{Unwa
_oKmb`
{_Omoa_
ZmJmbS>
CS>rgm
nOm~
amOWmZ
{g{$_
V{_bZmSw>
{nwam
Cma Xoe
CmamIS>
n{_ ~Jmb
MS>rJT>
XmXa VWm ZJa hdobr
X_Z Ama Xrd
{Xr
bjrn
nwSw>Moar
H$nZr Hw$b
am`/Ho$
em{gV Xoe
Omar... {ddaU 8
dm{fH$ [anmoQ>
2010-11
(nr{_`_ H$amoS>
_|)
88
0
3
1
1
0
16
8
0
1
0
39
2
2
82
0
0
0
0
2
0
4
0
16
0
15
7
4
0
0
0
0
16
0
0
307
10.24 918251
0.00
0
1.90
15246
0.09
75
0.02
63
0.02
246
1.62
70843
6.02
27267
0.00
1
4.92
9293
0.03
22
8.20 469783
0.24
8982
1.41
74201
11.30 524166
0.00
0
0.00
0
0.00
0
0.00
0
0.13
236
0.20
18
5.16
32196
0.00
0
8.82 160764
0.00
0
0.71
24404
0.12
34738
0.42
2987
0.00
0
0.02
10
0.00
0
0.00
823
8.58
54055
0.00
0
0.00
2
70.15 2428672
30
0.00
1
2
0
0
28
0
0
0
0
34
0
89
3
0.00
0
0
0
21
0
0
0
116
0
0
0
0
0.00
0
0.00
0.00
58
0.00
0
382
3.52
0.10
0.10
0.02
0.58
-0.030
3.95
0.49
-0.01
0.10
0.04
3.33
0.00
18.63
0.38
0.00
0.03
0.02
1.01
0.92
0.76
-0.01
0.01
313.72
0.00
0.10
0.01
1.39
0.00
0.10
0.00
0.00
27.09
0.00
0.00
376.35
179749
1
156
206
10
0
21471
19
0
2
12
14249
0
1623
311239
0
2
1
3
14610
8
20
1
122716
1
6
0
34406
0
6
0
0
137341
0
0
837858
0
0
0
2
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
4
0
0
0
0
0
0
0
0
0
8
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
0.00
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
0.02
0
0
0
540
0
0
56
0
0
0
0
0
0
0
0
0
0
0
0
0
0
77
0
0
0
435
0
0
0
0
0
0
0
0
0
1108
25 211.86 200938
0
0.80
3931
1
92.42
44087
2
11.53
85141
3
10.46
14493
0
2.47
4058
20
87.48 109935
9
68.60
18378
1
3.80
7424
0
1.30
7045
0
10.86
32265
13 205.81
98492
6 160.97
33381
3
24.46
58149
69 760.02 234293
0
0.55
2607
2
3.91
7020
1
1.64
2367
0
0.75
4244
4
34.18
62632
2
15.18
27695
1
35.07
39557
0
0.53
1410
25 272.65
82972
0
0.69
3487
12
71.65 141838
1
15.73
17845
13 404.16
49307
0
0.59
598
9
43.88
6454
0
0.05
87
0
0.55
251
22 227.08 101359
0
0.00
5
0
1.35
1583
244 2783.02 1505328
0
0
0
0
0
0
0
0
0
0
0
3
0
0
1
0
0
0
0
0
0
0
0
8
0
0
0
0
0
0
0
0
0
0
0
12
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.000
0
0.00
0
0.00
0
3.43 357563
0.00
0
0.00
0
88.27 352022
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.000
0
0.53 59914
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.000
0
0.00
0
0.00
0
0.00
0
0.00
0
92.23 769499
12
0.15
6013
0
0.00
0
1
0.36
1
2
0.01
118
0
0.00
0
0
0.00
0
1
0.01
111
0
0.00
0
0 0.000
0
0
0.00
0
1 10.00
804
2
0.42
7
0
0.01
2718
0
0.00
0
20 126.51 120329
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
2
5.52
1037
1
0.00
52
3
0.01
1180
0 0.000
0
21
2.31 197759
0
0.00
0
2 22.27
2233
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0 0.000
0
0
0.00
0
4
0.94 21632
0
0.00
0
0
0.00
0
72 168.52 353994
_g `y`mH$
_oQ> bmB\$
[ab`mg bmB\$
ghmam
Eg ~r AmB bmB\$
lram_
Q>ma `y{Z`Z T>>mBMr
H$s g`m
gwa{jV H$s g`m
gwa{jV H$s g`m
gwa{jV H$s g`m
gwa{jV H$s g`m
gwa{jV H$s g`m
gwa{jV H$s g`m
gwa{jV
AmY Xoe
73
53.80 7824039
AUmMb Xoe
0
0.00
0
Ag_
0
0.00
0
{~hma
0
0.00
0
N>mrgJT>
0
0.00
0
Jmodm
0
0.00
0
JwOamV
37
0.38
20782
h[a`mUm
103
16.66 102569
{h_mMb Xoe
0
0.00
0
O_y Ama H$_ra
0
0.00
0
PmaIS>
1
0.00
844
H$ZmQ>H$
82
2.11
40717
Ho$ab
2
0.19
62870
_` Xoe
2
0.02
1160
_hmam>
267
48.03 422809
_{Unwa
0
0.00
0
_oKmb`
0
0.00
0
{_Omoa_
0
0.00
0
ZmJmbS>
0
0.00
0
CS>rgm
0
0.00
0
nOm~
2
0.00
42
amOWmZ
0
0.00
0
{g{$_
0
0.00
0
V{_bZmSw>
24
0.72
10060
{nwam
0
0.00
0
Cma Xoe
31
0.28
10528
CmamIS>
0
0.00
0
n{_ ~Jmb
6
0.03
2195
0
0.00
0
MS>rJT>
1
0.00
182
XmXa VWm ZJa hdobr
0
0.00
0
X_Z Ama Xrd
0
0.00
0
{Xr
81
3.31
90029
bjrn
0
0.00
0
nwSw>Moar
0
0.00
0
H$nZr Hw$b
712 125.54 8588826
am`/Ho$
em{gV Xoe
Omar... {ddaU 8
dm{fH$ [anmoQ>
106
2010-11
`moOZmAm|
H$s g`m
Q>mQ>m EAmBOr
nr{_`_
AmY Xoe
3
38.51
AUmMb Xoe
0
0.00
Ag_
0
0.34
{~hma
0
0.28
N>mrgJT>
0
1.30
Jmodm
0
0.05
JwOamV
1
1.10
h[a`mUm
5
7.67
{h_mMb Xoe
0
0.08
O_y Ama H$_ra
0
0.06
PmaIS>
1
1.34
H$ZmQ>H$
11
15.49
Ho$ab
0
0.45
_` Xoe
0
1.67
_hmam>
35
98.24
_{Unwa
0
0.11
_oKmb`
0
0.04
{_Omoa_
0
0.00
ZmJmbS>
0
0.00
CS>rgm
0
1.45
nOm~
0
1.53
amOWmZ
2
7.07
{g{$_
0
0.02
V{_bZmSw>
3
2.29
{nwam
0
0.04
Cma Xoe
0
4.28
CmamIS>
0
0.76
n{_ ~Jmb
12
25.34
0
0.00
MS>rJT>
0
0.00
XmXa VWm ZJa hdobr
0
0.00
X_Z Ama Xrd
0
0.00
{Xr
16
5.51
bjrn
0
0.00
nwSw>Moar
0
0.00
H$nZr Hw$b
89
215.04
am`/Ho$
em{gV Xoe
12144
0
3382
442
2722
20
5701
11170
181
70
1208
228435
2049
2521
323141
104
144
2
0
6046
3580
11374
31
15846
69
2847
597
34157
0
0
0
0
13712
0
14
681709
OrdZ
gwa{jV
606
0
9
29
12
16
210
252
11
3
14
583
33
122
1199
0
2
1
0
46
17
34
0
1027
1
134
15
165
0
16
2
0
528
0
0
5087
`moOZmAm|
H$s g`m
596.19
0.90
101.41
16.61
13.52
7.96
263.33
158.41
12.16
7.20
23.67
706.85
295.86
51.91
3523.64
0.65
3.97
1.66
1.77
79.63
31.99
95.46
0.56
714.70
0.73
143.73
17.54
642.14
0.59
47.85
0.17
0.55
1361.95
0.00
1.36
8926.63
Q>oQ> Hw$b ({ZOr)

nr{_`_
27605464
3932
93652
98384
20496
20890
407092
377803
11184
18151
53637
5620705
185939
215545
5691820
2711
7166
2370
4247
152686
62526
290756
1442
3230748
3677
680438
61293
542179
598
11587
308
1074
2089742
5
1599
47571846
OrdZ
gwa{jV
1685
0
1047
589
526
91
982
171
601
112
329
1903
1205
2052
2369
12
4
1
1
800
405
1074
1
2945
66
2478
307
2885
0
239
0
0
603
0
26
25509
`moOZmAm|
H$s g`m
2179.52
0.00
161.76
67.26
401.66
70.73
867.36
37.09
27.27
175.85
315.12
5504.79
566.72
207.07
9960.64
0.60
0.58
0.21
0.10
299.42
71.95
248.33
0.55
1701.89
12.33
408.28
80.58
1981.85
0.00
171.92
0.00
0.00
8702.19
0.000
8.95
34232.58
EbAmBgr #
nr{_`_
12245823
0
196813
1021787
218918
40154
1052315
51496
43393
37600
38032
2175943
733728
1676047
3253381
1660
340
180
12
111957
260019
1973091
54
2978056
32712
1035255
100788
5584063
0
119322
0
0
631846
0
45414
35660199
OrdZ
gwa{jV
2291
0
1056
618
538
107
1192
423
612
115
343
2486
1238
2174
3568
12
6
2
1
846
422
1108
1
3972
67
2612
322
3050
0
255
2
0
1131
0
26
30596
`moOZmAm|
H$s g`m
2775.71
0.90
263.17
83.86
415.19
78.70
1130.69
195.50
39.43
183.05
338.79
6211.63
862.58
258.98
13484.27
1.25
4.55
1.87
1.87
379.05
103.95
343.79
1.11
2416.60
13.06
552.01
98.12
2623.99
0.59
219.78
0.17
0.55
10064.14
0.00
10.31
43159.21
Q>oQ> Hw$b (CmoJ)

nr{_`_
39851287
3932
290465
1120171
239414
61044
1459407
429299
54577
55751
91669
7796648
919667
1891592
8945201
4371
7506
2550
4259
264643
322545
2263847
1496
6208804
36389
1715693
162081
6126242
598
130909
308
1074
2721588
5
47013
83232045
OrdZ
gwa{jV
(nr{_`_ H$amoS>
_|)
Omar... {ddaU 8
dm{fH$ [anmoQ>
107
2010-11
108
6.90
0.00
0.28
0.14
79.94
57.34
89.20
6.53
0.76
5.91
133.22
19.32
0.31
0.01
0.00
3.95
0.00
0.00
0.00
0.00
0.01
0.00
403.82
2779.84
3183.66
940.70
1036.46
156.83
1820.33
600.21
1546.93
207.85
1939.29
61.64
124.19
33.92
151.91
993.18
649.26
790.46
851.98
1497.30
313.84
213.61
1597.52
971.50
619.78
501.55
1089.73
432.07
225.62
82.85
574.84
1342.27
583.91
210.71
1715.47
230.13
117.89
77.65
270.37
162.71
134.56
32.08
265.20
578.74
289.49
78.78
789.45
740.49
313.56
235.17
818.89
116.27
54.72
21.19
149.80
39.80
42.02
9.41
72.41
44.79
93.94
20.65
118.08
178.47
257.18
69.14
366.51
47.45
76.52
4.47
119.50
0.81
14.72
0.22
15.31
14.83
42.12
2.77
54.18
1.40
22.29
2.86
20.83
12.23
29.30
4.55
36.99
0.00
0.70
0.00
0.70
9006.99
6589.00
2756.71 12839.28
226057.89 35392.04 21068.70 240381.23
235064.88 41981.04 23825.41 253220.51
A{V[a$* hQ>m`r J`r**
H$mo
bmJy `mnma
H$mo
bmJy `mnma
S>mQ>m H$m moV: ~r_mH$H$ [anmoQ> VWm {ZMmoS> {XZmH$ 31/03/2011 na
01-04-2010
31-03-2011
H$mo
bmJy `mnma
1.27
14.59
0.72
0.94
9.25
3.27
24.26
0.24
0.14
1.02
15.36
1.06
0.06
0.01
0.34
1.70
0.47
0.00
0.37
0.00
0.10
0.00
75.17
255.81
330.98
0.40
0.72
0.03
0.08
8.00
1.77
5.03
0.65
0.06
0.42
9.80
0.72
0.01
0.00
0.03
0.15
0.00
0.00
0.00
0.00
0.00
0.00
27.88
286.39
314.27

7.77
13.87
0.97
1.00
81.19
58.84
108.43
6.12
0.84
6.50
138.79
19.66
0.36
0.02
0.31
5.50
0.47
0.00
0.37
0.00
0.11
0.00
451.11
2749.26
3200.37
H$mo
bmJy `mnma
31-03-2011
gm_m` E`wQ>r VWm godm{Zd{m `mnma
01-04-2010
OrdZ `mnma
*Z`r nm{b{g`m| H$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$a (`{X h)
~OmO AbmÒ
[abm`g
A{ddm
{~abm gZ bmB\$
EMS>rE\$gr Q>mS>S>
AmBgrAmBgr y.
AmBEZOr do`m
_g `y `mH$
_oQ>bmB\$
H$moQ>H$ _{hXm
Eg~rAmB bmB\$
Q>mQ>m EAmBOr
ghmam
lram_
^maVr Egm bmB\$
`yMa OZabr
AmBS>r~rAmB \o$S>b
Ho$Zam EMEg~rgr
EoJmoZ aobrJoà
S>rEbE\$ m_o[aH$m
Q>ma `y{Z`Z XmBMr
BpS>`m \$Q>
Hw$b
EbAmBgr
Hw$b
~r_mH$Vm
H$mo
bmJy `mnma
31-03-2011
qbS>
`mnma#
69.10
6689.62
17.80
3261.82
0.00
711.01
6.13
2130.42
15.44
1893.61
66.41
4944.66
0.00
631.16
24.14
1613.53
3.42
578.26
0.00
878.33
0.14
3548.98
78.59
999.69
0.00
167.49
0.00
248.43
8.28
266.35
0.00
178.75
0.57
129.07
0.00
200.02
11.85
72.21
0.00
33.11
0.00
150.93
0.00
168.66
301.86 29496.11
0.00 42461.91
301.86 71958.02
H$mo
bmJy `mnma
31-03-2011
ZmZ-{bS>
dm` `mnma
`{$JV `mnma (^maV _|) bmJy `mnma (nm{bg`m| H$s g`m)
bmJy `mnma
31-03-2011
Hw$b
0.00 8586.82
46.44 5279.22
0.00
863.89
7.42 2996.95
0.00 3587.76
91.83 6251.47
0.00 1314.43
0.00 3359.26
0.00
852.88
0.00 1150.03
0.00 4477.35
16.57 1933.40
0.00
317.65
0.00
320.86
0.00
393.02
0.00
550.76
0.00
249.61
0.00
215.34
0.00
138.61
0.00
53.94
0.00
188.02
0.00
169.36
162.26 43250.62
343.81 285936.21
506.07 329186.83
H$mo
bmJy `mnma
31-03-2011
qbS>
dW` `mnma
(nm{b{g hOma _|)
{ddaU 9
dm{fH$ [anmoQ>
2010-11
109
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
0.00
0.00
0.67
0.00
5344.89
46926.56
52271.46
19098.07 23556.07
4599.52 38054.62
8722.92 16074.80
2748.07 22049.65
3146.38
8332.02
1280.41 10197.99
6543.55 10843.29
2332.70 15054.14
29563.37
9024.05
3211.77 35375.65
27346.81 16213.74
7282.22 36278.33
8198.31
4434.63
1494.12 11138.82
41554.02 16478.34
8736.97 49295.39
9336.34
4803.10
2190.90 11948.54
8738.16 13249.97
2256.58 19731.54
18017.96 14914.44
3207.66 29724.73
14845.86
5908.21
2097.29 18656.78
1700.11
855.42
399.19
2156.34
989.07
1190.87
294.06
1885.88
1411.51
3566.01
1163.75
3813.76
4179.38 12942.93
1627.50 15494.81
5062.76
6310.15
252.04 11120.87
366.27
722.80
59.00
1030.08
3287.37
7273.53
664.44
9896.46
113.73
572.32
163.73
522.32
230.12
582.28
79.50
732.90
0.00
111.41
0.08
111.34
212452.07 177960.38 46141.49 344270.96
2061033.71 566582.84 192220.72 2435395.83
2273485.78 744543.22 238362.21 2779666.79
H$mo
bmJy `mnma
H$mo
bmJy `mnma
S>mQ>m H$m moV: ~r_mH$H$ [anmoQ> VWm {ZMmoS> {XZmH$ 31/03/2011 na
01-04-2010
31-03-2011
H$mo
bmJy `mnma
22.51
0.00
14.08
1.16
433.64
97.03
261.00
4.70
5.43
52.66
42.99
28.51
2.63
0.07
28.17
0.28
0.00
0.00
9.36
0.00
8.01
0.00
1012.23
11195.96
12208.20
16.54
0.00
0.41
0.00
183.01
83.83
21.53
13.10
1.31
17.08
19.45
14.26
0.53
0.04
2.34
0.00
0.00
0.00
0.00
0.00
0.00
0.00
373.41
6525.20
6898.62

225.12
0.00
15.57
1.23
1830.38
1565.07
599.36
124.93
19.50
259.38
839.98
448.13
9.52
0.16
25.83
1.51
0.00
0.00
9.36
0.00
8.68
0.00
5983.71
51597.32
57581.03
H$mo
bmJy `mnma
31-03-2011
gm_m` E`wQ>r VWm godm{Zd{m `mnma
01-04-2010
OrdZ `mnma
*Z`r nm{b{g`m| H$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$a (`{X h)
~OmO AbmÒ
[abm`g
A{ddm
{~abm gZ bmB\$
EMS>rE\$gr Q>mS>S>
AmBgrAmBgr y.
AmBEZOr d`m
_g `y `mH$
_oQ>bmB\$
H$moQ>H$ _{hXm
Eg~rAmB bmB\$
Q>mQ>m EAmBOr
ghmam
lram_
^maVr Egm bmB\$
`yMa OZabr
AmBS>r~rAmB \o$S>b
Ho$Zam EMEg~rgr
EoJmoZ aobrJoà
S>rEbE\$ m_o[aH$m
Q>ma `y{Z`Z XmBMr
BpS>`m \$Q>
Hw$b
EbAmBgr
Hw$b
~r_mH$Vm
2822.22
384.79
0.00
704.37
376.69
11585.16
0.00
459.77
23.22
0.00
4.99
5142.50
0.00
0.00
146.85
0.00
0.20
0.00
491.76
0.00
0.00
0.00
22142.52
0.00
22142.52
H$mo
bmJy `mnma
31-03-2011
ZmZ-qbH$S>
dm` `mnma
`{$JV `mnma (^maV _|) bmJy `mnma (~r_m amer)
164151.46
38235.54
26458.59
113593.80
73239.17
127584.04
11252.72
48743.36
35064.46
27294.68
56779.09
33626.02
2712.42
6019.73
6071.22
4707.65
3248.85
12373.72
2964.96
1250.19
2931.25
2722.10
801025.02
178478.63
979503.65
H$mo
bmJy `mnma
31-03-2011
qbS>
`mnma#
0.00
969.83
0.00
741.60
0.00
175.56
0.00
0.00
0.00
0.00
0.00
2939.84
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
4826.83
12497.82
17324.65
H$mo
bmJy `mnma
31-03-2011
qbS>
dW` `mnma
205253.41
61639.81
36672.14
130095.15
110821.90
177188.15
22990.91
98623.45
47055.71
47285.60
87348.79
60813.27
4878.28
7905.77
10057.66
20203.97
14369.93
13403.80
13362.53
1772.51
3672.84
2833.44
1178249.04
2677969.60
3856218.64
bmJy `mnma
31-03-2011
Hw$b
(` H$amoS> _|)
{ddaU 10
dm{fH$ [anmoQ>
2010-11
EbAmBgr
AmBEZOr d`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
_g `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$m
Q>ma `y{Z`Z XmBMr
BpS>`m \$Q>
{ZOr Hw$b
CmoJ Hw$b
~r_mH$Vm
Hw$b r{_`_
qgJb nhbm df aoZrdb
36265.36 50746.99 87012.35 116461.05

634.13
26.35
660.49 1048.46
3339.05
720.28 4059.33 4944.85
2029.27
51.04 2080.30 3596.76
5692.69 2169.45 7862.14 10018.49
856.98
396.16 1253.14 1722.37
1107.71
224.50 1332.21 2653.01
3374.19 4198.21 7572.39 5339.25
2312.09 1153.73 3465.82 6144.13
1774.99
286.40 2061.39 3751.24
553.81
152.40
706.22 1801.95
2284.63
750.31 3034.94 3536.21
655.74
89.65
745.39 1599.79
48.30
43.52
91.83
151.58
159.43
412.55
571.99
249.54
321.76
26.03
347.78
444.23
366.86
81.75
448.61
277.55
263.58
181.37
444.95
366.05
796.71
20.57
817.29
714.57
251.14
23.73
274.87
113.74
69.15
5.00
74.15
20.89
343.79
414.90
758.69
174.62
428.21
276.56
704.77
93.66
27664.19 11704.46 39368.65 48762.94
63929.55 62451.45 126381.00 165223.99
ao`wba
ao`wba
qbS> nr{_`_
qgJb nhbm df aoZrdb
Hw$b
ao`wba
ZmZ-qbS> nr{_`_
qgJb nhbm df aoZrdb
(nr{_`_ H$amoS>
Hw$b
_|)
203473.40 3103.62 23398.56 26502.19 12694.60 39196.78 33161.73 27348.43 60510.16 103766.45 164276.61
1708.95
126.29
19.06
145.35
702.12
847.47
507.84
7.29
515.13
346.34
861.47
9004.17 2937.32
556.22 3493.54 3898.47 7392.01
401.73
164.05
565.79 1046.37 1612.16
5677.07 1726.41
23.29 1749.70 3550.68 5300.38
302.86
27.75
330.60
46.08
376.68
17880.63 4178.18 1904.66 6082.84 9564.93 15647.77 1514.51
264.79 1779.30
453.56 2232.86
2975.51
605.42
277.44
882.87 1603.25 2486.11
251.55
118.72
370.27
119.12
489.40
3985.22
712.79
162.54
875.34 1985.75 2861.09
394.92
61.96
456.87
667.26 1124.13
12911.64 2502.60 1963.38 4465.98 4583.52 9049.49
871.59 2234.83 3106.41
755.74 3862.15
9609.95 1295.01 1141.26 2436.27 5543.65 7979.93 1017.08
12.47 1029.55
600.48 1630.02
5812.63
763.33
94.55
857.88 2662.68 3520.56 1011.66
191.85 1203.51 1088.56 2292.07
2508.17
339.62
139.58
479.20 1446.71 1925.91
214.20
12.82
227.02
355.24
582.26
6571.15 1012.40
719.62 1732.02 3326.71 5058.73 1272.22
30.70 1302.92
209.50 1512.42
2345.17
431.54
88.32
519.86 1567.21 2087.07
224.20
1.33
225.53
32.57
258.10
243.41
18.34
43.52
61.86
90.13
151.99
29.97
0.00
29.97
61.45
91.42
821.52
113.05
322.91
435.96
223.58
659.53
46.38
89.65
136.03
25.96
161.99
792.02
250.81
4.61
255.42
437.95
693.37
70.95
21.42
92.36
6.28
98.65
726.16
91.07
79.47
170.54
200.36
370.90
275.79
2.28
278.06
77.20
355.26
811.00
113.22
173.44
286.66
283.52
570.18
150.35
7.93
158.28
82.53
240.82
1531.86
644.82
5.28
650.10
713.36 1363.46
151.89
15.29
167.19
1.21
168.40
388.61
176.01
21.79
197.80
105.58
303.38
75.14
1.93
77.07
8.16
85.23
95.04
46.28
5.00
51.28
20.75
72.03
22.87
0.00
22.87
0.14
23.01
933.31
189.58
353.50
543.09
160.26
703.35
154.21
61.39
215.60
14.36
229.96
798.43
405.34
261.57
666.91
93.66
760.57
22.87
14.98
37.86
0.00
37.86
88131.60 18679.43 8361.02 27040.46 42764.83 69805.28 8984.76 3343.43 12328.19 5998.12 18326.31
291604.99 21783.06 31759.59 53542.64 55459.42 109002.07 42146.49 30691.86 72838.36 109764.57 182602.93
Hw$b
qbS> Ed ZmZ qbS> r{_`_ - OrdZ ~r_m - 2010-11
{ddaU 11
dm{fH$ [anmoQ>
110
2010-11
EbAmBgr
AmBEZOr d`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
_g `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$m
Q>ma `y{Z`Z XmBMr
BpS>`m \$Q>
{ZOr Hw$b
CmoJ Hw$b
~r_mH$Vm
Hw$b r{_`_
qgJb nhbm df aoZrdb
Hw$b
111
42.75
275.49
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
6058.43
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
6333.92 10194.83 16528.75
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$b
_o)
Omar {ddaU 11
162.74
233.20
35.62
138.06
602.87
233.72
306.67
398.96
261.80
41.95
698.14
3323.31
757.86
1208.31
2952.65
3820.70
1093.95
1014.41
5960.48
2887.42
2476.44
311.88
201.59
470.87
37.00
141.57
614.78
343.70
315.41
402.77
374.62
84.24
752.18
3588.88
788.34
1289.86
3748.84
4356.00
1113.37
1202.03
6073.63
2928.34
2692.44
318.74
5443.18
5773.63
1050.75
6800.60
2656.95
2618.06
0.01
10.12
1.04
13.73
219.65
120.70
35.43
228.36
168.88
77.44
1570.66
2567.85
1282.61
2107.71
201.60
480.99
38.05
155.30
834.42
464.40
350.84
631.13
543.51
161.68
2322.84
6156.72
2070.95
3397.56
6536.42 10285.27
2444.60
1543.58
1416.02
9746.75 15820.38
2514.84
3081.19
732.00
5608.54
0.00
22.04
0.38
8.36
1.30
51.81
170.26
6.13
7.20
40.59
46.14
306.84
229.45
439.16
618.70
2461.12
179.67
69.36
97.95
29.85
507.45
314.79
924.28
0.00
26.96
0.00
0.45
6.54
5.04
0.41
28.53
37.68
0.00
0.06
25.06
44.06
120.06
83.56
223.63
28.97
62.59
162.34
1.82
57.61
8.90
6532.82
0.00
49.00
0.38
8.80
7.84
56.85
170.67
34.66
44.88
40.59
46.20
331.90
273.51
559.22
702.26
2684.75
208.64
131.95
260.29
31.67
565.06
323.69
0.00
49.38
0.40
10.36
8.03
106.72
190.68
38.60
67.76
88.91
55.18
448.17
465.06
1462.98
1134.45
3303.43
836.83
249.99
708.37
62.47
1231.47
591.90
4578.32 11111.14
0.00
0.38
0.02
1.55
0.19
49.87
20.01
3.94
22.89
48.33
8.98
116.27
191.55
903.76
432.19
618.68
628.19
118.04
448.08
30.80
666.41
268.21
60714.15 49179.76 109893.91 155553.34 265447.25 33761.61 26163.84 59925.45 55595.51 115520.96 26952.54 23015.92 49968.46 99957.83 149926.29
2918.06 31839.19 36419.61 68258.80
38.85
237.67
1.38
3.50
11.91
109.98
8.74
3.82
112.82
42.29
54.04
265.57
30.48
81.54
796.19
535.30
19.42
187.63
113.15
40.92
216.00
6.87
4840.47 23245.78 28086.26 19175.90 47262.15 21344.01 22091.64 43435.65 95379.51 138815.16
ao`wba
3842.34 38372.01 40997.93 79369.94 28921.13
273.62
2983.89
34529.67
15.77
626.66
26184.48 45337.42 71521.90 114555.41 186077.31
ao`wba
qbS> Ed ZmZ qbS> r{_`_ - OrdZ ~r_m - 2009-10
dm{fH$ [anmoQ>
2010-11
EbAmBgr
AmBEZOr d`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
_g `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$m
Q>ma `y{Z`Z XmBMr
BpS>`m \$Q>
{ZOr Hw$b
CmoJ Hw$b
~r_mH$Vm
1017.55
19.56
327.33
299.62
411.24
83.71
138.77
402.87
284.50
205.70
44.11
141.31
63.49
8.25
28.41
29.83
11.67
16.51
141.63
11.46
4.93
29.27
26.23
2730.42
3747.96
2.60
2.31
4.43
5.65
2.63
3.37
4.85
4.45
3.57
5.84
2.29
2.79
3.04
5.43
4.31
4.30
3.15
2.90
10.39
3.78
6.84
4.16
3.45
3.91
3.44
`y{bn
H$_reZ % `y{bn
r{_`_
Ho$ {bò
7.65 12291.13
14.98 111.01
68.65 149.48
78.73
80.96
73.35 149.44
64.31
46.45
56.35 107.51
60.03 268.19
46.15 331.98
38.10 334.20
50.52
43.21
27.45 373.49
62.84
37.55
37.37
13.83
68.52
13.05
75.64
9.61
12.18
84.11
24.78
50.12
93.30
10.17
52.32
10.44
50.70
4.79
72.84
10.92
97.45
0.69
54.92 2241.20
20.50 14532.33
Hw$b
H$_reZ
Ho${bò
7.48
12.86
9.27
21.49
6.69
9.49
9.56
6.94
20.37
14.58
7.42
24.69
14.55
15.13
8.06
9.74
23.68
20.81
6.04
12.25
20.83
4.75
1.81
12.23
7.96
Q>o{S>Zb
% Q>{S>Zb
H$_reZ r{_`_
Ho$ {bò
2010-11
92.35 13308.68
85.02 130.58
31.35 476.81
21.27 380.58
26.65 560.68
35.69 130.17
43.65 246.28
39.97 671.05
53.85 616.47
61.90 539.90
49.48
87.32
72.55 514.80
37.16 101.04
62.63
22.08
31.48
41.46
24.36
39.43
87.82
95.78
75.22
66.63
6.70 151.80
47.68
21.91
49.30
9.72
27.16
40.19
2.55
26.92
45.08 4971.61
79.50 18280.29
Hw$b
H$_reZ
Ho$ {bò
3.13
5.47
5.84
9.38
3.55
6.14
8.68
7.86
7.81
8.05
11.20
8.81
6.52
7.93
11.47
9.84
20.53
4.89
24.34
7.55
11.14
7.03
7.22
7.17
5.52
`y{bn
H$_reZ % `w{bn
r{_`_
Ho$ {bò
6.54 1481.14
7.95
57.46
5.30 337.33
6.70 510.61
3.14 561.91
4.37 160.83
6.18 230.69
5.20 534.39
6.41 803.43
9.29 273.42
3.48 231.96
7.83 542.50
4.31 151.38
9.07
12.83
5.05
62.35
4.98
62.12
13.19
72.02
8.22
22.73
9.91 203.10
5.64
11.73
10.23
4.24
4.31
33.82
3.37
14.56
5.64 4895.41
6.27 6376.55
Hw$b
Hw$b % Hw$b
H$_reZ H$_reZ H$m
Hw$b r{_`
Ho$ {bò
qbS> Ed ZmZ qbS> H$_reZ - OrdZ ~r_m
12.23 10629.17
47.58
63.30
64.19 188.17
98.92
5.59
93.19
41.06
95.78
7.09
82.14
50.16
80.22 131.78
83.47 159.13
64.91 147.79
79.30
60.55
86.41
85.36
95.63
6.91
54.16
10.86
93.78
4.14
98.20
1.14
55.63
57.44
51.43
21.46
99.87
0.26
94.87
0.63
98.86
0.05
86.09
5.46
100.00
0.00
82.36 1048.31
35.32 11677.48
% Hw$b
H$_reZ
Ho$ {bò
7.66
10.69
15.28
8.94
5.77
2.84
5.99
3.99
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
9.43
7.79
Q>o{S>Zb
H$_reZ % Q>{S>Zb
r{_`_
Ho$ {bò
2009-10
6.51
7.35
7.50
9.38
3.65
5.85
8.04
6.59
8.43
8.67
11.53
9.51
6.66
9.45
10.88
9.45
23.91
7.74
24.14
7.46
11.15
7.41
7.22
7.49
6.80
Hw$b % Hw$b
H$_reZ H$_reZ Hw$b
r{_`_
Ho$ {bò
87.77 12110.31
52.42 120.76
35.81 525.50
1.08 516.20
6.81 602.97
4.22 167.92
17.86 280.85
19.78 666.17
16.53 962.57
35.09 421.21
20.70 292.51
13.59 627.85
4.37 158.29
45.84
23.68
6.22
66.49
1.80
63.26
44.37 129.45
48.57
44.19
0.13 203.37
5.13
12.36
1.14
4.29
13.91
39.28
0.00
14.56
17.64 5943.72
64.68 18054.03
% Hw$b
H$_reZ
Ho$ {bò
Hw$b
(H$_reZ ` H$amoS> _|)
{ddaU 12
dm{fH$ [anmoQ>
112
2010-11
113
144
161
1053
56
112
EMS>rE\$gr Q>S>S>
AmBgrAmBgr y.
AmBS>r~rAmB \o$S>b
BpS>`m \$Q>
AmBEZOr d`m
S>rEbE\$ m_o[aH$m
`yMa OZabr
42
14
{~abm gZ bmB\$
Ho$Zam EMEg~rgr
^maVr Egm bmB\$
1527
59
A{ddm
~OmO AbmÒ
2.88
0.10
4.37
19.50
7.28
4.07
0.21
3.12
0.67
0.00
32.39
1.77
0.38
2181
184
363
14971
4418
1101
77
241
9818
787
25511
2206
126
30.92
2.54
9.50
199.27
81.03
21.03
1.47
8.75
212.36
14.51
363.61
44.42
7.12
2293
(100.00)
189
(100.00)
419
(100.00)
16024
(100.00)
4579
(100.00)
1245
(100.00)
82
(100.00)
283
(100.00)
9832
(100.00)
787
(100.00)
27038
(100.00)
2265
(100.00)
130
(100.00)
33.80
(100.00)
2.64
(100.00)
13.87
(100.00)
218.77
(100.00)
88.32
(100.00)
25.10
(100.00)
1.68
(100.00)
11.88
(100.00)
213.03
(100.00)
14.51
(100.00)
396.00
(100.00)
46.19
(100.00)
7.50
(100.00)
2075
(90.49)
155
(82.01)
272
(64.92)
15160
(94.61)
4369
(95.41)
629
(50.52)
42
(51.22)
201
(71.02)
9307
(94.66)
686
(87.17)
23980
(88.69)
1906
(84.15)
68
(52.31)
28.41
(84.05)
2.23
(84.45)
5.59
(40.30)
201.68
(92.19)
80.58
(91.24)
10.92
(43.51)
0.49
(29.40)
9.07
(76.36)
185.96
(87.29)
11.52
(79.36)
326.84
(82.53)
36.08
(78.12)
4.05
(54.00)
81
(3.53)
34
(17.99)
88
(21.00)
503
(3.14)
182
(3.97)
268
(21.53)
16
(19.51)
47
(16.61)
491
(4.99)
99
(12.58)
1913
(7.08)
277
(12.23)
58
(44.62)
2.15
(6.36)
0.41
(15.55)
5.59
(40.30)
9.95
(4.55)
6.35
(7.19)
6.36
(25.34)
0.55
(32.54)
1.85
(15.57)
25.11
(11.79)
2.73
(18.80)
46.26
(11.68)
7.37
(15.96)
3.17
(42.27)
18
(0.78)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0.44
(1.30)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
119
(5.19)
0
(0.00)
59
(14.08)
361
(2.25)
28
(0.61)
348
(27.95)
24
(29.27)
35
(12.37)
34
(0.35)
2
(0.25)
1145
(4.23)
82
(3.62)
4
(3.08)
2.80
(8.28)
0.00
(0.00)
2.69
(19.39)
7.14
(3.26)
1.39
(1.58)
7.82
(31.16)
0.64
(38.07)
0.96
(8.07)
1.96
(0.92)
0.27
(1.84)
22.91
(5.79)
2.74
(5.93)
0.28
(3.73)
df Ho$ 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 Xmdo
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
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$s g`m
amer
EoJmoZ aobrJoà
OrdZ ~r_mH$Vm
`{$JV _`w Xmdo
96
(80.67)
0
(0.00)
52
(88.14)
205
(56.79)
21
(75.00)
235
(67.53)
19
(79.17)
25
(71.43)
6
(17.65)
2
(100.00)
892
(77.90)
27
(32.93)
21
(17.65)
0
(0.00)
5
(8.47)
65
(18.01)
1
(3.57)
71
(20.40)
5
(20.83)
6
(17.14)
8
(23.53)
0
(0.00)
90
(7.86)
7
(8.54)
0
(0.00)
_hrZo
4
(100.00)
3-<6
<3
_hrZo
2
(1.68)
0
(0.00)
1
(1.69)
13
(3.60)
3
(10.71)
27
(7.76)
0
(0.00)
1
(2.86)
8
(23.53)
0
(0.00)
41
(3.58)
20
(24.39)
0
(0.00)
_hrZo
6-<12
0
(0.00)
0
(0.00)
1
(1.69)
78
(21.61)
3
(10.71)
15
(4.31)
0
(0.00)
3
(8.57)
12
(35.29)
0
(0.00)
122
(10.66)
28
(34.15)
0
(0.00)
_hrZo
>12
{dMmamYrZ Xmdm| H$m AbJAbJ

{ddaU-Ad{Y Ho$ AZwgma
119
(100.00)
0
(0.00)
59
(100.00)
361
(100.00)
28
(100.00)
348
(100.00)
24
(100.00)
35
(100.00)
34
(100.00)
2
(100.00)
1145
(100.00)
82
(100.00)
4
(100.00)
Hw$b
(bm^ am{e ` H$amoS> _|)
{ddaU 13
dm{fH$ [anmoQ>
2010-11
114
306
6365
9527
15892
Q>mQ>m EAmBOr
{ZOr Hw$b
EbAmBgr
CmoJ Hw$b
286.32
118.45
167.87
11.53
0.30
7.85
4.98
2.13
8.02
17.54
30.32
8.45
835642
729975
105667
3878
268
1098
9889
725
15956
1680
7686
2503
8000.08
6308.96
1691.12
71.27
3.75
17.39
144.55
7.20
167.01
50.26
173.58
59.58
851534
(100.00)
739502
(100.00)
112032
(100.00)
4184
(100.00)
290
(100.00)
1573
(100.00)
10031
(100.00)
945
(100.00)
16290
(100.00
1832
(100.00)
9021
(100.00)
2700
(100.00)
ZmoQ>: H$mo>H$ _o {Xò Jò AmH$S>| gX{^V Hw$b {VeV H$mo XemVo h &
22
Q>ma `y{Z`Z XmB{M
220
ghmam
475
334
[abm`g
lram_
152
_oQ>bmB\$
142
1335
_g `y `mH$
Eg~rAmB bmB\$
197
8286.40
(100.00)
6427.41
(100.00)
1858.99
(100.00)
82.80
(100.00)
4.05
(100.00)
25.24
(100.00)
149.53
(100.00)
9.33
(100.00)
175.03
(100.00)
67.80
(100.00)
203.90
(100.00)
68.03
(100.00)
813932
(95.58)
717529
(97.03)
96403
(86.05)
3428
(81.93)
234
(80.69)
876
(55.69)
8249
(82.24)
503
(53.23)
13254
(81.36)
1565
(85.43)
7033
(77.96)
2411
(89.30)
7595.24
(91.66)
6093.14
(94.80)
1502.10
(80.80)
61.36
(74.11)
2.86
(70.72)
11.63
(46.09)
138.84
(92.85)
4.49
(48.12)
119.46
(68.25)
54.51
(80.39)
148.04
(72.60)
57.49
(84.51)
17350
(2.04)
7384
(1.00)
9966
(8.90)
714
(17.07)
4
(1.38)
407
(25.87)
1678
(16.73)
136
(14.39)
1410
(8.66)
111
(6.06)
1344
(14.90)
105
(3.89)
336.24
(4.06)
109.41
(1.70)
226.83
(12.20)
19.59
(23.66)
0.16
(3.91)
7.45
(29.53)
5.37
(3.59)
1.57
(16.83)
28.14
(16.08)
4.19
(6.19)
37.36
(18.32)
5.17
(7.59)
3837
(0.45)
3786
(0.51)
51
(0.05)
0
(0.00)
0
(0.00)
0
(0.00)
1
(0.01)
7
(0.74)
21
(0.13)
4
(0.22)
0
(0.00)
0
(0.00)
48.52
(0.59)
47.54)
(0.74)
0.98
(0.05)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.01
(0.00)
0.07
(0.75)
0.40
0.23)
0.07
(0.10)
0.00
(0.00)
0.00
(0.00)
16415
(1.93)
10803
(1.46)
5612
(5.01)
42
(1.00)
52
(17.93)
290
(18.44)
103
(1.03)
299
(31.64
1605
(9.85)
152
(8.30)
644
(7.14)
184
(6.81)
306.40
(3.70)
177.32
(2.76)
129.08
(6.94)
1.85
(2.23)
1.03
(25.36)
6.15
(24.38)
5.32
(3.56)
3.20
(34.30)
27.03
(15.44)
9.03
(13.32)
18.50
(9.08)
5.37
(7.89)
df Ho$ ew go gy{MV/~wH$ {H$ò Jò Xmdo

Hw$b Xmdo
Xm Xmdo
bmQ>mò Jò Xmdo
{dMmaYrZ Xmdo
Xmdo
nm{b{g`m|
{hV nm{b{g`m|
{hV nm{b{g`m|
{hV nm{b{g`m|
{hV nm{b{g`m|
{hV nm{b{g`m|
{hV nm{b{g`m|
{hV
H$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
H$moQ>H$ _{hXm
OrdZ ~r_mH$Vm
`{$JV _`w Xmdo
8292
(50.51)
3954
(36.60)
4338
(77.30)
29
(69.05)
42
(80.77)
162
(55.86
79
(76.70)
169
(56.52)
1389
(86.54)
117
(76.97)
629
(97.67)
3253
(19.82)
2716
(25.14)
537
(9.57)
11
(26.19
7
(13.46)
67
(23.10)
6
(5.83)
69
(23.08)
43
(2.68)
30
(19.74)
9
(1.40)
16
(8.70)
_hrZo
138
(75.00)
3-<6
<3
_hrZo
2940
(17.91)
2685
(24.85)
255
(4.54)
2
(4.76
3
(5.77)
56
(19.31)
8
(7.77
51
(17.06)
2
(0.12)
5
(3.29)
0
(0.00)
12
(6.52)
_hrZo
6-<12
1930
(11.76)
1448
(13.40)
482
(8.59)
0
(0.00)
0
(0.00)
5
(1.72)
10
(9.71)
10
(3.34)
171
(10.65)
0
(0.00)
6
(0.93)
18
(9.78)
_hrZo
>12

16415
(100.00)
10803
(100.00)
5612
(100.00)
42
(100.00)
52
(100.00)
290
(100.00)
103
(100.00)
299
(100.00)
1605
(100.00)
152
(100.00)
644
(100.00)
184
(100.00)
Hw$b
Omar {ddaU 13
dm{fH$ [anmoQ>
2010-11
0.01
2.06
0.00
373
A{ddm
115
0.00
0.00
1.74
0.10
2.27
0.00
67
41
Ho$Zam EMEg~rgr
S>rEbE\$ m_o[aH$m
`yMa OZabr
EMS>rE\$gr Q>S>S>
AmBgrAmBgrAmB y.
AmBS>r~rAmB \o$S>b
987
4210
284
17507
30
1254
64
97869
10531
1.01
46.84
2.78
27.88
0.00
0.68
16.17
0.78
150.99
25.92
0.08
0.00
(0.00)
987
1.01
(100.00) (100.00)
4251
49.11
(100.00) (100.00)
285
2.88
(100.00) (100.00)
17574
29.62
(100.00) (100.00)
0
(0.00)
30
0.68
(100.00) (100.00)
1254
16.17
(100.00) (100.00)
64
0.78
(100.00) (100.00)
98242 153.05
(100.00) (100.00)
10535
25.93
(100.00) (100.00)
918
(93.00)
3976
(93.53)
283
(99.30)
7618
(43.35)
0
(0.00)
18
(60.00)
1247
(99.44)
59
(92.19)
98040
(99.79)
10502
(99.68)
0.79
(78.32)
45.06
(91.75)
2.78
(96.52)
16.72
(56.45)
0.00
(0.00)
0.18
(26.17)
15.87
(98.17)
0.51
(65.27)
150.73
(98.48)
25.79
(99.46)
2
0.08
2
0.08
(100.00) (100.00) (100.00) (100.00)
ZmoQ>: H$mo>H$ _o {Xò Jò AmH$S>| gX{^V Hw$b H$mo {VeV XemVo h &
0.00
{~abm gZ bmB\$
^maVr Egm bmB\$
~OmO AbmÒ
0.00
19
(1.93)
67
(1.58)
0
(0.00)
2
(0.011)
0
(0.00)
6
(20.00)
6
(0.49)
5
(7.81)
34
(0.03)
29
(0.28)
0
(0.00)
0.02
(1.69)
1.15
(2.35)
0.00
(0.00)
0.01
(0.03)
0.00
(0.00)
0.11
(16.27)
0.28
(1.73)
0.27
(34.73)
0.64
(0.42)
0.06
(0.25)
0.00
(0.00)
0
(0.00)
33
(0.78)
2
(0.70)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0.00
(0.00)
0.16
(0.33)
0.10
(3.51)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
50
(5.07)
175
(4.12)
0
(0.00)
9954
(56.64)
0
(0.00)
6
(20.00)
1
0.08
0
(0.00)
168
(0.17)
4
(0.04)
0
(0.00)
0
(0.00)
0
(0.00)
118
(70.24)
149
(85.14)
0
(0.00)
3796
(38.14)
0
(0.00)
4
(66.67)
0.20
50
(19.99) (100.00)
2.74
(5.58)
0.00
(0.03)
12.89
(43.52)
0.00
(0.00)
0.39
(57.57)
0.01
1
0.09 (100.00)
0.00
(0.00)
1.68
(1.10)
0.08
4
(0.29) (100.00)
0.00
(0.00)
df Ho$ ew go
gy{MV/~wH$ {H$ò Jò Xmdo
Hw$b Xmdo
Xm Xmdo
bmQ>mò Jò Xmdo
df Ho$ AV _| {dMmamYrZ
{dMmamYrZ Xmdo
Xmd|
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
<3
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$s g`m
am{e
_hrZo
EoJmoZ aobrJoà
OrdZ ~r_mH$Vm
Jwn _`w Xmdo
0
(0.00)
19
(10.86)
0
(0.00)
6113
(61.41)
0
(0.00)
2
(33.33)
0
(0.00)
0
(0.00)
36
(21.43)
0
(0.00)
0
(0.00)
6
(3.43)
0
(0.00)
9
(0.09)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
5
(2.98)
0
(0.00)
0
(0.00)
_hrZo
_hrZo
0
(0.00)
6-<12
3-<6
0
(0.00)
1
(0.57)
0
(0.00)
36
(0.36)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
9
(5.36)
0
(0.00)
0
(0.00)
_hrZo
>12
0
(0.00)
Hw$b
50
(100.00)
175
(100.00)
0
(0.00)
9954
(100.00)
0
(0.00)
6
(100.00)
1
(100.00)
0
(0.00)
168
(100.00)
4
(100.00)

{ddaU 14
dm{fH$ [anmoQ>
2010-11
116
0.00
2.21
16.03 200824
6.53 233505 1395.32 233908 1401.85 233132 1393.51

(100.00) (100.00) (99.67) (99.41)
22.56 434329 2095.45 436201 2118.01 421930 2059.82

(100.00) (100.00) (96.73) (97.25)
96
1469
403
1872
Q>ma `y{Z`Z XmBMr
Q>mQ>m EAmBOr
{ZOr Hw$b
EbAmBgr
CmoJ Hw$b
1119
14.32
(100.00) (100.00)
220
3.00
(100.00) (100.00)
1234
20.05
(100.00) (100.00)
1069
(95.53)
202
(91.82)
1232
(99.84)
11936
(93.25)
700.13 202293 716.16 188798

(100.00) (100.00) (93.33)
12.11
3.00
19.83
ZmoQ>: H$mo>H$ _o {Xò Jò AmH$S>| gX{^V Hw$b H$mo {VeV XemVo h &
1023
220
1222
12800 191.41
(100.00) (100.00)
666.31
(93.04)
13.20
(92.15)
1.79
(59.75)
20.03
(99.90)
178.54
(93.28)
17
0.05
17
0.05
(100.00) (100.00) (100.00) (100.00)
0.22
190.25
0.05
12
12766
17
lram_
26.36
(94.28)
46.28
(97.13)
1.16
1145
(96.87)
2551
(90.65)
73.42
(95.96)
34
1182
27.96
(100.00) (100.00)
2814
47.64
(100.00) (100.00)
45084
(96.98)
44.88
(86.84)
Eg~rAmB bmB\
27.28
46.86
46488
76.51
(100.00) (100.00)
2426
(91.13)
1.52
(67.37)
0.00
1148
2760
74.85
2662
51.68
(100.00) (100.00)
166
(78.30)
1.73
(88.27)
0.78
54
_oQ>bmB\$
45841
48.80
212
2.26
(100.00) (100.00)
307
(95.64)
ghmam
1.66
647
_g `y `mH$
2564
2.00
321
1.96
(100.00) (100.00)
0.67
2.88
98
H$moQ>H$ _{hXm
204
1.96
34
0.26
AmBEZOr d`m
321
[abm`g
0.00
2404
(0.55)
12
(0.01)
2392
(1.18)
32
(2.86)
9
(4.09)
2
(0.16)
767
(5.99)
0
(0.00)
9
(0.76)
46
(1.63)
1299
(2.79)
47
(1.77)
1
(0.47)
12
(3.74)
19.87
(0.94)
0.04
(0.00)
19.82
(2.77)
1.00
(7.02)
0.87
(28.87)
0.02
(0.10)
10.37
(5.42)
0.00
(0.00)
0.25
(0.90)
0.79
(1.67)
2.21
(2.88)
1.56
(3.02)
0.00
(0.04)
0.21
(10.71)
266
(0.06)
0
(0.00)
266
(0.13)
13
(1.16)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
5
(0.42)
213
(7.57)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0.61
(0.03)
0.00
(0.00)
0.61
(0.09)
0.01
(0.05)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.10
(0.35)
0.24
(0.51)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
11601
(2.66)
764
(0.33)
10837
(5.36)
5
(0.45)
9
(4.09)
0
(0.00)
97
(0.76)
0
(0.00)
23
(1.95)
4
(0.14)
105
(0.23)
189
(7.10)
45
(21.23)
2
(0.62)
37.71
(1.78)
8.30
(0.59)
29.41
(4.11)
0.11
(0.78)
0.34
(11.38)
0.00
(0.00)
2.50
(1.31)
0.00
(0.00)
1.25
(4.47)
0.33
(0.70)
0.88
(1.16)
5.24
(10.14)
0.74
(32.59)
5096
(43.93)
576
(75.39)
4520
(41.71)
2
(40.00)
7
(77.77)
0
(0.00)
80
(82.47)
0
(0.00)
4
(17.39)
3
(75.00)
104
(99.04)
169
(89.42)
27
(60.00)
0.02
2
(1.02) (100.00)
df Ho$ ew go
Hw$b Xmdo
Xm Xmdo
bmQ>mò Jò Xmdo
df Ho$ AV _| {dMmamYrZ
{dMmamYrZ Xmdo
Xmdm|
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
<3
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$s g`m
am{e
_hrZo
BpS>`m \$Q>
OrdZ ~r_mH$Vm
Jwn _`w Xmdo
6294
(54.25)
100
(13.09)
6194
(57.16)
0
(0.00)
0
(0.00)
0
(0.00)
6
(6.19)
0
(0.00)
0
(0.00)
1
(25.00)
0
(0.00)
11
(5.82)
6
(13.33)
115
(0.99)
74
(9.69)
41
(0.38)
2
(40.00)
2
(22.22)
0
(0.00)
3
(3.09)
0
(0.00)
0
(0.00)
0
(0.00)
1
(0.95)
3
(1.59)
10
(22.22)
0
(0.00)
_hrZo
_hrZo
0
(0.00)
6-<12
3-<6
96
(0.83)
14
(1.83)
82
(0.76)
1
(20.00)
0
(0.00)
0
(0.00)
8
(8.25)
0
(0.00)
19
(82.61)
0
(0.00)
0
(0.00)
6
(3.17)
2
(4.44)
0
(0.00)
_hrZo
>12
Hw$b
11601
(100.00)
764
(100.00)
10837
(100.00)
5
(100.00)
9
(100.00)
0
(0.00)
97
(100.00)
0
(0.00)
23
(100.00)
4
(100.00)
105
(100.00)
189
(100.00)
45
(100.00)
2
(100.00)

Omar {ddaU 14
dm{fH$ [anmoQ>
2010-11
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
_g `y `mH$
_oQ>bmB\$
[abm`g
ghmam
Eg~rAmB bmB\
lram_
Q>ma `y{Z`Z XmBMr
Q>mQ>m EAmBOr
{ZOr Hw$b
EbAmBgr
CmoJ Hw$b
OrdZ ~r_mH$Vm
24
219
6717
218
204
77
18
238
720
1637
0
0
525
596
2585
446
2685
155
1528
365
122
674
19753
84312
104065
32
1614
15469
348
9086
54
16
73
3384
12170
270
155
1344
1357
4093
956
10326
35
6572
195
58
2639
70246
553197
623443
1.96
28.25
188.09
3.51
168.09
2.26
0.20
0.83
48.92
117.85
5.51
2.23
16.53
23.09
77.09
26.08
78.90
0.42
94.90
1.86
0.44
40.49
927.48
4708.08
5635.56
H$s g`m
nmb{g`m|
gyMZm Ho$ 30 {XZm| Ho$ AXa

nmb{g`m|
[hV
H$s g`m
am{e
0.76
5.76
103.56
4.79
17.31
2.92
0.18
3.61
20.38
31.96
0.00
0.00
7.08
19.77
61.94
15.59
33.97
1.31
38.80
5.06
1.47
15.37
391.60
709.46
1101.06
[hV
am{e
31 go 90 {XZ
8
32
1388
101
15
49
6
210
211
765
0
0
177
443
235
148
229
165
139
240
48
106
4715
45041
49756
1.17
0.95
26.52
2.67
0.48
2.04
0.10
3.53
8.17
23.81
0.00
0.00
3.66
13.08
6.03
12.57
6.15
1.37
4.58
3.51
0.88
5.06
126.32
378.43
504.75
4
16
345
19
1
18
2
101
39
280
2
0
27
10
68
14
5
79
8
66
6
7
1117
26954
28071
0.16
0.25
7.65
0.55
0.03
1.74
0.02
2.48
1.16
19.63
0.08
0.00
1.07
0.89
1.73
0.25
0.24
0.78
0.27
0.94
0.08
0.40
40.40
228.67
269.07
Ad{Y
91 go 180 {XZ
181 go 1 df
nmb{g`m|
[hV
nmb{g`m|
[hV
H$s g`m
am{e
H$s g`m
am{e
g_`mZwgma _`w Xmdm| H$m {ZnQ>mam - `{$JV dJ
0
25
61
0
1
3
0
7
15
308
0
0
2
5
52
1
9
69
2
10
0
2
572
8025
8597
0.00
0.87
1.02
0.00
0.05
0.12
0.00
0.47
1.95
8.43
0.00
0.00
0.06
0.67
1.25
0.02
0.20
0.61
0.29
0.27
0.00
0.04
16.30
68.50
84.80
1 df Ho$ `mXm
[hV
H$s g`m
am{e
nmb{g`m|
68
1906
23980
686
9307
201
42
629
4369
15160
272
155
2075
2411
7033
1565
13254
503
8249
876
234
3428
96403
717529
813932
4.05
36.08
326.84
11.52
185.96
9.07
0.49
10.92
80.58
201.68
5.59
2.23
28.41
57.49
148.04
54.51
119.46
4.49
138.84
11.63
2.86
61.36
1502.10
6093.14
7595.24
{ZnQ>mò Jò Hw$b Xmdo

[hV
H$s g`m
am{e
nmb{g`m|
{ddaU 15
dm{fH$ [anmoQ>
117
2010-11
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$S>b
BpS>`m \$Q>
AmBEZOr d`m
H$moQ>H$ _{hXm
_g `y `moH$
_oQ>bmB\$
[abm`g
ghmam
Eg~rAmB bmB\
lram_
Q>ma `y{Z`Z XmBMr
Q>mQ>m EAmBOr
{ZOr Hw$b
EbAmBgr
CmoJ Hw$b
OrdZ ~r_mH$Vm
0.05
0.10
14.66
0.18
0.07
0.14
0.00
1.10
0.02
11.90
0.00
0.07
0.48
10.63
5.22
0.66
1.71
0.00
24.49
0.25
0.20
3.03
74.94
19.84
94.78
1
46
7882
26
12
3
0
23
3
943
0
5
70
270
2411
40
42
3
906
82
19
95
12882
2909
15791
1
10435
88273
21
1234
10
0
7565
279
2896
918
302
67
2031
41169
2392
1102
14
10928
1150
158
895
171840
228129
399969
0.03
25.64
132.71
0.05
15.80
0.02
0.00
14.45
2.77
30.34
0.79
1.67
0.87
31.87
66.12
45.28
24.65
0.05
148.65
19.79
0.60
8.91
571.04
1364.47
1935.51
31 go 90 {XZ
OrdZ
[hV
H$s g`m
am{e

OrdZ
[hV
H$s g`m
am{e
0
10
1767
9
1
4
0
17
0
125
0
0
27
118
1127
111
0
0
86
0
16
59
3477
1445
4922
0.00
0.02
2.75
0.26
0.01
0.01
0.00
1.06
0.00
1.88
0.00
0.00
0.16
2.28
1.57
0.29
0.00
0.00
3.53
0.00
0.66
0.82
15.30
5.59
20.89
0
4
75
3
0
1
0
11
0
11
0
0
1
1
352
8
0
0
8
0
9
20
504
601
1105
0.00
0.01
0.45
0.02
0.00
0.00
0
0.10
0
0.95
0.00
0.00
0.00
0.03
0.47
0.05
0.00
0.00
0.46
0.00
0.33
0.44
3.30
3.31
6.61
Ad{Y
91 go 180 {XZ
181 go 1 df
OrdZ
[hV
OrdZ
[hV
H$s g`m
am{e
H$s g`m
am{e
g_`mZwgma _`w Xmdm| H$m {ZnQ>mam - Jwn dJ
0
7
43
0
0
0
0
2
1
1
0
0
1
6
25
0
1
0
8
0
0
0
95
48
143
0.00
0.02
0.16
0.00
0.00
0.00
0.00
0.01
0.00
0.00
0.00
0.00
0.01
0.07
0.04
0.00
0.01
0.00
1.41
0.00
0.00
0.00
1.74
0.30
2.04
1 df Ho$ `mXm
OrdZ
[hV
H$s g`m
am{e
2
10502
98040
59
1247
18
0
7618
283
3976
918
307
166
2426
45084
2551
1145
17
11936
1232
202
1069
188798
233132
421930
0.08
25.79
150.73
0.51
15.87
0.18
0.00
16.72
2.78
45.06
0.79
1.73
1.52
44.88
73.42
46.28
26.36
0.05
178.54
20.03
1.79
13.20
666.31
1393.51
2059.82

OrdZ
[hV
H$s g`m
am{e
{ddaU 16
dm{fH$ [anmoQ>
118
2010-11
78991.01
843.82
765.19
688.31
414.21
489.14
284.07
775.20
1045.11
316.58
169.44
262.98
99.62
98.47
70.16
29.06
73.69
59.74
37.78
70.46
28.14
23.67
38.69
6683.53
85674.54
2042.86
2276.66
139.86
456.77
1683.17
2517.25
462.58
521.02
1797.86
2619.75
598.96
813.75
758.78
1138.02
0.00
0.00
1533.89
2146.83
337.10
360.08
574.08
682.46
145.13
163.03
2040.46
2161.51
429.36
319.30
1278.47
2125.63
1193.44
890.25
462.72
784.60
119.96
120.21
287.69
476.80
139.19
171.28
411.99
575.01
149.09
152.28
277.50
338.81
6.58
137.66
127.17
191.93
73.11
63.03
90.43
107.09
29.89
25.46
67.72
90.84
10.11
10.06
90.67
150.32
43.18
54.84
99.05
185.11
61.59
60.56
128.78
134.25
15.47
24.76
172.38
195.42
51.50
53.71
51.18
80.59
0.00
0.00
66.52
113.61
9.34
17.85
150.85
190.66
0.00
12.21
14194.22 19283.14
4015.44
4428.11
307095.57 353376.05 113644.46 141357.66
EMS>rE\$gr Q>S>S>
_g `y `moH$
AmBgrAmBgr y.
{~abm gZ bmB\$
Q>mQ>m EAmBOr
H$moQ>H$ _{hXm
Eg~rAmB bmB\
~OmO AbmÒ
_oQ>bmB\$
[abm`g
AmBEZOr d`m
A{ddm
ghmam
lram_
^maVr Egm bmB\$
AmBS>r~rAmB \o$S>b
`yMa OZabr
Ho$Zam EMEg~rgr
Q>ma `y{Z`Z XmBMr
S>rEbE\$ m_o[aH$m
EoJmoZ aobrJoà
BpS>`m \$Q>
Hw$b {ZOr jo
CmoJ Hw$b
1301.75
1326.27
1274.23
1131.22
575.69
709.36
1080.84
1126.00
1934.78
535.32
268.53
501.89
603.50
448.66
418.74
370.86
211.52
331.08
746.50
1542.24
1377.42
1081.98
1062.53
1553.22
357.06
119.98
112.49
253.20
281.46
403.82
335.53
174.99
315.42
178.79
113.01
178.01
123.94
68.92
80.86
63.27
41.18
62.81
31.99
27.88
66.52
83.86
76.56
261.27
130.53
58.20
73.06
75.23
47.68
44.36
70.00
69.52
77.84
34.37
5.87
26.12
40.43
7.83
59.64
59.08
101.41
87.56
8689.26
7755.94
9950.52
89180.75 190398.99 215000.98
80491.49 182643.05 205050.46

98.28
1.30
115.16
11.25
23.68
1.52
13.37
2.79
11.27
9.13
117.31
0.00
12.72
5.76
2.66
4.44
0.72
4.30
4.25
0.08
10.21
38.03
488.24
34477.30
33989.06
50.72
4451.08
5360.12
1.33
3487.93
4880.19
113.26
4326.29
6562.38
2.66
1452.77
2177.89
20.85
2832.47
3550.00
1.85
1216.32
1549.28
109.39
4800.63
4714.12
57.68
4582.34
5708.76
0.00
1030.52
1374.36
4.67
886.92
1309.77
45.82
1116.36
1424.06
0.00
496.71
833.28
3.01
380.40
462.77
1.29
237.43
259.92
1.91
137.43
201.32
8.08
288.55
558.38
0.65
279.30
449.90
0.00
234.01
278.60
7.38
368.11
404.35
1.95
85.26
143.02
0.00
117.56
231.53
0.00
328.98
349.50
432.49 33137.37 42783.52
42159.12 731290.86 841074.55
41726.63 698153.49 798291.03
41726.63 698153.49 798291.03
292901.34 334092.91 109629.03 136929.55
33989.06
78991.01
292901.34 334092.91 109629.03 136929.55
EbAmBgr
Hw$b gmdO{ZH$ jo
80491.49 182643.05 205050.46
OrdZ \$S>
gr Or go`w{aQ>rO EgOr Ed A` AZw_mo{XV
AmYma^yV
AZw_mo{XV
A`
Hw$b (OrdZ \$S>)
go`w[aQ>rO
gw{dYm {Zdoe
{Zdoe
{Zdoe
31-_mM-10 31-_mM-11 31-_mM-10 31-_mM-11 31-_mM-10 31-_mM-11 31-_mM-10 31-_mM-11 31-_mM-10 31-_mM-11 31-_mM-10 31-_mM-11
(` H$amoS> _|)
~r_mH$Vm
OrdZ ~r_mH$Vm H$s gn{m`m| H$m ~YZ
{ddaU 17
dm{fH$ [anmoQ>
119
2010-11
31-_mM-11
62177.96
62177.96
378.85
61.36
1097.48
44.21
184.25
28.09
2893.43
288.98
69.61
19.00
181.47
0.71
1.98
25.34
0.01
14.25
16.55
54.22
37.90
0.00
0.09
0.00
5397.79
67575.74
49941.31
49941.31
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
53351.21
EbAmBgr
Hw$b gmdO{ZH$ jo
EMS>rE\$gr Q>S>S>
_g `y `mH$
AmBgrAmBgr y.
{~abm gZ bmB\$
Q>mQ>m EAmBOr
H$moQ>H$ _{hXm
Eg~rAmB bmB\
~OmO AbmÒ
_oQ>bmB\$
[abm`g
AmBEZOr d`m
A{ddm
ghmam
lram_
^maVr Egm bmB\$
AmBS>r~rAmB \o$S>b
`yMa OZabr
Ho$Zam EMEg~rgr
Q>ma `y{Z`Z XmBMr
S>rEbE\$ m_o[aH$m
EoJmoZ aobrJoà
BpS>`m \$Q>
Hw$b {ZOr jo
CmoJ Hw$b
gr Or
go`y[aQ>rO
31-_mM-10
~r_mH$Vm
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
23591.16
22117.86
22117.86
31-_mM-10
105.25
4.89
93.04
7.68
72.72
7.01
1652.89
44.34
5.03
3.03
56.99
0.38
0.06
11.09
0.00
2.88
11.22
9.68
11.69
0.00
0.35
0.00
2100.25
32375.68
30275.44
30275.44
31-_mM-11
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
66684.57
61529.31
61529.31
31-_mM-10
330.68
20.42
1133.45
70.83
211.22
21.20
6317.71
418.44
15.54
28.78
310.37
0.86
0.41
52.33
0.00
1.97
23.64
70.54
119.07
0.00
0.00
0.00
9147.47
89975.83
80828.36
80828.36
31-_mM-11
godm{Zd{m Ed gmYmaU dm{fH$s {Z{Y

EgOr Ed A` AZw_mo{XV
AZw_mo{XV
go`w[aQ>rO
{Zdoe
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
143626.93
133588.49
133588.49
31-_mM-10
814.79
86.68
2323.97
122.73
468.19
56.30
10864.03
751.76
90.18
50.82
548.83
1.94
2.46
88.76
0.01
19.10
51.41
134.44
168.66
0.00
0.44
0.00
16645.50
189927.26
173281.76
173281.76
31-_mM-11
Hw$b (godm{Zd{m Ed gmYmaU

^mm VWm Jyn \$S>) {Zdoe
(` H$amoS> _|)
Omar {ddaU 17
dm{fH$ [anmoQ>
120
2010-11
31-_mM-11
161936.66
161936.66
19914.30
8429.17
54926.50
16286.86
8243.88
6766.83
23535.65
30409.31
6093.96
15712.62
3404.88
6407.39
531.16
1514.29
1231.74
1325.61
603.45
2243.85
1158.15
72.06
377.35
772.95
209961.97
371898.63
148828.93
148828.93
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
311668.71
^maVr` OrdZ ~r_m {ZJ_

Hw$b gmdO{ZH$ jo
EMS>rE\$gr Q>S>S>
_g `y `mH$
AmBgrAmBgr y.
{~abm gZ bmB\$
Q>mQ>m EAmBOr
H$moQ>H$ _{hXm
Eg~rAmB bmB\
~OmO AbmÒ
_oQ>bmB\$
[abm`g
AmBEZOr d`m
A{ddm
ghmam
lram_
^maVr Egm bmB\$
AmBS>r~rAmB \o$S>b
`yMa OZabr
Ho$Zam EMEg~rgr
Q>ma `y{Z`Z XmBMr
S>rEbE\$ m_o[aH$m
EoJmoZ aobrJoà
BpS>`m \$Q>
Hw$b{ZOr jo
CmoJ Hw$b
AZw_mo{XV {Zdoe
31-_mM-10
~r_mH$Vm
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
25871.42
11760.36
11760.36
31-_mM-10
408.59
440.39
3900.04
1068.28
299.76
219.52
993.43
2474.86
292.76
773.78
292.88
412.32
53.76
131.88
107.48
74.48
42.65
82.63
15.54
8.80
35.05
8.51
12137.39
27217.13
15079.74
15079.74
31-_mM-11
`y{ZQ> qbS> \$S>

A` {Zdoe
15305.36
6577.94
51469.25
14175.84
6151.73
5445.85
17,087.31
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
337540.14
160589.29
160589.29
31-_mM-10
20322.89
8869.56
58826.54
17355.14
8543.64
6986.35
24529.08
32884.17
6386.72
16486.40
3697.76
6819.72
584.91
1646.17
1339.22
1400.09
646.10
2326.48
1173.70
80.87
412.40
781.47
222099.36
399115.76
177016.39
177016.39
31-_mM-11
Hw$b (`y{bn {Z{Y`m)
20411.47
10120.96
56963.07
15738.31
9385.93
6710.01
28576.58
33435.26
5950.60
13651.98
4670.02
6536.50
855.97
1421.58
929.73
1102.67
607.15
1316.79
873.95
116.07
249.58
502.47
220126.66
1212457.93
992331.27
992331.27
31-_mM-10
26497.80
13836.42
67712.89
19655.76
12561.83
8591.93
40107.23
39344.69
7851.27
17846.99
5670.65
7654.93
1050.15
1994.85
1540.55
1977.57
1147.41
2739.52
1746.71
223.89
644.37
1130.97
281528.38
1430117.56
1148589.18
1148589.18
31-_mM-11
Hw$b (g^r {Z{Y`m)
(` H$amoS> _|)
Omar {ddaU 17
dm{fH$ [anmoQ>
121
2010-11
dm{fH$ [anmoQ>
2010-11
{ddaU 18
OrdZ ~r_m H$n{Z`m| H$s B{d[Q> eoà nyOr

(` H$amoS> _|)
~r_mH$Vm H$m Zm_
31
_mM 2010
na
df Ho$ XmamZ
OmoS>m J`m
31
_mM 2011
na
{dXoer dVH$ ^maVr` dVH$
E\$S>rAmB
(n{VeV _|)
EMS>rE\$gr Q>S>S>
1968.00
26.88
1994.88
518.67
1476.21
26.00
AmBgrAmBgrAmB y.
1428.14
0.32
1428.46
370.78
1057.68
25.96
_g `y `mH$
1838.82
2.18
1841.00
478.63
1362.37
26.00
H$moQ>H$ _{hXm
510.29
0.00
510.29
132.68
377.61
26.00
{~abm gZ bmB\$
1969.50
0.00
1969.50
512.07
1457.43
26.00
Q>mQ>m EAmBOr
1920.50
33.00
1953.50
507.91
1445.59
26.00
Eg~rAmB bmB\
1000.00
0.00
1000.00
260.00
740.00
26.00
AmBEZOr d`m
1019.15
445.73
1464.88
380.87
1084.01
26.00
_oQ>bmB\$
1774.79
194.79
1969.57
512.09
1457.48
26.00
150.71
0.00
150.71
39.18
111.52
26.00
[abm`g
1164.65
1.19
1165.84
0.00
1165.84
0.00
A{ddm
1888.80
116.10
2004.90
521.27
1483.63
26.00
ghmam
232.00
0.00
232.00
0.00
232.00
0.00
lram_
125.00
50.00
175.00
45.50
129.50
26.00
1131.35
394.00
1525.35
338.97
1186.39
22.22
`yMa OZabr
702.00
350.00
1052.00
268.26
783.74
25.50
AmBS>r~rAmB \o$S>b
450.00
250.00
700.00
182.00
518.00
26.00
Ho$Zam EMEg~rgr
500.00
200.00
700.00
182.00
518.00
26.00
S>rEbE\$ m_o[aH$m
570.00
380.00
950.00
247.00
703.00
26.00
EoJmoZ aobrJoà
221.30
72.66
293.96
76.43
217.53
26.00
Q>ma `y{Z`Z XmBMr
250.00
0.00
250.00
65.00
185.00
26.00
BpS>`m \$Q>
200.00
125.00
325.00
84.50
240.50
26.00
21015.00
2641.85
23656.85
5723.81
17933.03
24.20
5.00
0.00
5.00
0.00
5.00
21020.00
2641.85
23661.85
5723.81
17938.03
~OmO AbmÒ
^maVr Egm bmB\$
Hw$b `moJ ({ZOr jo)

Eb AmB gr
Hw$b - (OrdZ)
122
24.19
dm{fH$ [anmoQ>
2010-11
{ddaU 19
OrdZ ~r_mH$VmAm| H$m emoYZ AZwnmV

~r_mH$Vm
_mM
OyZ
{gV~a
{Xg~a
_mM
2010
2010
2010
2010
2011
EoJmoZ aobrJoà
2.66
3.55
4.18
2.74
3.22
A{ddm
5.12
4.26
3.44
4.13
5.40
~OmO AbmÒ
2.68
2.86
2.99
3.37
2.86
^maVr Egm bmB\$
1.68
3.78
4.39
2.91
2.14
{~abm gZ bmB\$
2.11
2.23
2.24
2.50
2.89
Ho$Zam EMEg~rgr
2.58
3.38
2.62
4.00
3.07
S>rEbE\$ m_o[aH$m
1.67
1.92
1.88
1.63
2.53
`yMa OZabr
2.34
1.80
2.76
2.19
2.21
EMS>rE\$gr Q>S>S>
1.80
2.02
1.92
1.80
1.72
AmBgrAmBgrAmB y.
2.90
3.09
3.05
3.24
3.27
AmBS>r~rAmB \o$S>b
4.05
3.64
3.04
2.45
6.60
BpS>`m \$Q>
5.27
5.01
7.43
6.90
6.36
AmBEZOr do`m
1.79
3.11
3.37
3.26
3.00
_g `y `mH$
3.22
3.04
2.82
3.06
3.65
_oQ>bmB\$
1.65
1.69
1.67
1.63
1.69
H$moQ>H$ _{hXm
2.79
2.75
2.69
2.61
2.67
[abm`g
1.86
1.58
1.55
1.59
1.66
ghmam
4.50
4.70
4.87
5.06
4.82
Eg~rAmB bmB\
2.17
2.25
2.22
2.16
2.04
lram_
2.69
2.38
2.52
3.63
3.96
Q>ma `y{Z`Z XmBMr
7.46
7.36
7.47
7.07
6.70
Q>mQ>m EAmBOr
2.11
1.97
1.79
1.87
2.16
1.54
1.62
1.66
1.58
1.54
{ZOr ~r_mH$Vm
gmdO{ZH$ ~r_mH$Vm
moV: ~r_mH$H$ [anmoQ> 31-03-2010 d 31-03-2011 VWm g~{YV {V_mhr F$UemoYZ {ddU
123
124
ZmoQ>: *~moZg XoZo Ho$ ~mX Ho$ J{UVr` [aOd H$mo XemVm h
A{OV r{_`_-ew
(H$) r{_`_
(I) nwZ~u_m gmno
(J) 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$Z na bm^/
(S>) {Zdoe na n[aemoYZ _| r{_`_/Ny>Q>
(M) ImVm| _| {d{Z`moJ/dm{_dhaU H$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$b (S>r)
{ddaU
683250
(7599)
789529
18438
18438
1491
16947
18438
316927
(321)
64
510108
48762
48762
32907
15855
48762
201503
51508
71733
78262
H$mo>H$ _| AH$ ZH$mam_H$ _y` ~VmVo h &
184002
(26021)
123242
86782
201503
71733
123242
184002
3012187
129770
2291183
316907
720999
5
(305)
3458864
60297
256915
2074682
60760
1015510
284026
1059117
56
2419469
56068
218739
184295
113878
992261
51620
132675
717217
38058
120348
(2702)
1294821
735
52550
(1648)
(207918)
1028
13590
158347
193437
1435
47975
2368
6198
136165
393183
(63470)
1652875
(5292)
190214
1338224
(695719)
9219
52157
241291
(34109)
141402
(426)
77156
159965
(38949)
(47785)
(1194)
1788063
(6365)
2009-10
AmBgrAmBgrAmB w.
2010-11
(59)
550566
(8029)
567707
(8250)
2009-10
{~abm gZ bmB\$
2010-11
4744
(303)
2653
2395
4744
2653
155525
2092
96866
21
62499
58627
11
220116
13058
49441
179
11496
22618
22252
(7157)
199
170895
(366)
2010-11
2009-10
EbAmBgr
2010-11
8098
7766669
1842358
(234862)
209195
34053
6719788
1017242
(192374)
3694853
2653
1991
661
2653
661
113762
113762
113762
103092
103092
103092
4729
5329
9036
19094
14903
4271
(16939)
6698
19094
1083920
19094
952640
(2546)
202316
133789
37
1305330
52550
149766
1890
35594
62142
94552
(16419)
428328
(458)
4136
700510
(4947)
4463
6698
918942
6698
572611 7276923
221251 26402951 27012738
1991
113762
103092
197202
283091
51
639045
(3246)
12256
2756324
7913066
100354
(6868)
58803 3410550
24544 11124119
7
110533
1122841
47681
149521
1730
20057
92041
187150
(13780)
(57712)
905
(3021)
900417
(4946)
2009-10
EMS>rE\$gr Q>S>S>
2010-11
196597 14595689 11722395

104
362529
50455
397318
35345
282045 29927263 29872155

12076 1330868 1211031
46727 1698028 1224582
(44141) (104530)
1499
14630
15559
39112
(6751)
54139
164265 20347340 18607731

(409)
(11936)
(9492)
401
352
2009-10
AmBEZOr d`m
OrdZ ~r_mH$Vm: nm{bgrYmaH$ boIm
48122
15136
32986
48122
6229
433879
41892
310190
10
198356
123679
674128
53990
144044
315
243
1183
45051
71058
(13582)
(3685)
(195)
434
581263
(7642)
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)
2009-10
_g `y `mH$
2010-11
19886
9216
10264
405
19886
10264
609942
9621
408773
207750
201159
9
827313
51480
156270
5205
16581
40119
94777
(29397)
40737
4506
657115
(2329)
10264
8677
1587
10264
1587
800509
8677
731162
226459
69342
5
1035645
62785
163673
864
30534
24497
67713
(18375)
270262
1316
660490
(1656)
2009-10
{abm`g bmB\$
2010-11
105388
11837
93551
10237
11056
105388
446956
1027151
84095
81533
241544
498467
196
19239
1352790
61647
160658
869
3167
93783
349772
(38265)
(14053)
960995
(3477)
2010-11
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
~OmO AbmO
(` bmI _|)
{ddaU 20
dm{fH$ [anmoQ>
2010-11
125
36933
48481
(17295)
(2752)
77248
254992
(42428)
302655
360761
13017
58006
1605438
66617
75298
73458
49668
21659
230754
302082
16896
9663
528
17276
71022
103615
23347
154108
281070
8669
528
9197
8951
(176)
422
9197
129237
85138
6
1371721
(90)
1456775
19426
812
20237
17775
2462
20237
7085
17276
380
(717)
392437
16792
57384
290
1770
26006
35815
(8651)
52223
286805
(1820)
(13679)
1022
(21)
415
882
635
4288
297551
(3455)
2009-10
H$moQ>H$ _hom
2010-11
1010403
(2355)
2009-10
Eg~rAmB bmB\$
2010-11
A{OV r{_`_-ew
(H$) r{_`_
1291164
(I) nwZ~u_m gmno
(3612)
{Zdoem| _| Am`
132845
244623
(63953)
(13026)
(1536)
Am bm^/hm{Z
A` Am`
2706
3542
`y{ZQ> qbS> dgy{b`m
Hw$b (E)
1592753
H$_reZ
67105
88299
JV df go g~{YV
4
H$a Ho$ {bò mdYmZ
2449
0
(H$) {Zdoem| Ho$ _y` _| H$_r (ew)
(I) A`
157857
Hw$b (~r)
292577
12
1108539
(H$) gH$b*
(1344)
Hw$b (gr)
1399783
`mXm/(H$_r) (S>r)=(E)-(~r)-(gr)
35112
nyd Ad{Y H$s _Xo
2462
37574
_y`mH$Z
33552
A` AmajUm| _| A{VaV
eof
4022
Hw$b (S>r)
37574
{ddaU
8990
4001
4989
3994
8990
238657
376419
4996
66982
(140)
118784
70920
500200
24628
93877
279
(342)
1752
42473
41990
(8946)
25987
398522
(1235)
2010-11
5135
1731
3403
3867
5135
377556
474276
1268
64403
(141)
131357
32458
606901
28085
102631
641
3196
44339
29607
20203
(12567)
173968
349378
(1222)
2009-10
Q>mQ>m EAmBOr
(165375)
(165556)
(293)
112
(165556)
(166383)
240361
827
193886
(1326)
65093
47792
9
306280
8732
56360
32634
234
19858
19144
(12413)
250817
(3993)
2010-11
(166383)
(162007)
4301
74
(162007)
(136394)
314961
(25613)
298273
(568)
97450
17250
6
386798
29251
68199
114181
299
11934
13065
(3302)
253601
(2980)
2009-10
_oQ>bmB\$
22528
2033
20495
22528
208574
22528
89610
(86)
66977
118976
74
298080
10104
56873
20129
(658)
24740
27862
(4922)
(1748)
234517
(1839)
2010-11
2803
2752
51
2803
320967
2803
258208
(397)
86848
63094
62
410618
15829
71019
36002
456
18282
10085
(5027)
114670
237801
(1651)
2009-10
Adrdm
OrdZ ~r_mH$Vm: nm{bgrYmaH$ boIm
1821
475
1347
1821
11026
20687
1821
4883
5808
4777
302
28316
2208
3298
74
770
770
770
26978
34879
770
6421
(3)
6241
1483
172
41890
2368
3700
34
14331
325
(2)
1791
680
25059
(7)
2761
827
24341
(9)
2009-10
ghmam
2010-11
919
919
919
181
46199
78525
738
8788
17406
23529
8
144
(6)
4046
85
474
(666)
96669
4146
13116
5877
4766
(14)
82152
(47)
324
181
143
324
192
63852
74631
132
4181
19048
6595
3
24269
80
3324
(1566)
93811
6649
12399
3276
4344
(975)
61127
(67)
2009-10
lram_
2010-11
(28343)
(28343)
(28343)
61541
(28343)
57268
(121)
64094
4394
97292
3943
60151
1388
6661
165
2182
11204
(2999)
(49)
79202
(463)
2010-11
(47729)
(47729)
(47729)
62595
(47729)
61979
(277)
72397
893
87263
6326
66071
244
695
236
789
6546
(639)
12648
66973
(229)
2009-10
^maVr Egm
(` bmI _|)
Omar {{ddaU 20
dm{fH$ [anmoQ>
2010-11
126
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)
(H$) gH$b*
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$b (S>r)
{ddaU
38621
58813
75858
75506
(413)
27660
765
103517
6663
20997
13
13511
5977
6483
(1641)
(1876)
303
99
81100
(452)
61239
61166
(278)
19269
351
80508
4419
14850
0
12299
2995
6256
(1140)
3011
59
127
57112
(210)
2009-10
AmBS>r~rAmB \o$S>b
2010-11
37223
(0)
95712
11044
46047
109499
9578
41108
54968
(159)
207
36837
146
32778
57091
1398
1325
1100
(131)
2890
3214
4160
(543)
(1858)
50686
4005
54151
(667)
72616
(1013)
2009-10
`yMa OZabr
2010-11
12394
(23666)
(23666)
121
(23787)
(23666)
(29649)
194
(29843)
(29649)
12633
(289)
29118
50
17846
1293
27825
136
864
(191)
490
39
29
16565
(86)
2009-10
30888
(29649)
31468
(779)
42834
199
44073
2191
40631
12
2974
615
1394
(774)
1181
116
69
38861
(363)
2010-11
EoJmoZ aobrJoà
142240
141690
(59)
41225
609
183465
15180
26045
93229
92818
(23)
39571
433
132800
20337
19235
26114
230
268
19760
1873
4207
(258)
16645
84245
(254)
2009-10
5205
10907
(2633)
(2608)
153186
(621)
2010-11
Ho$Zam EMEg~rEg
5584
5491
15761
93
21345
972
14788
0
11450
176
156
(31)
105
(0)
14
9504
(30)
2010-11
2896
2921
11000
(25)
13896
429
10571
9794
44
43
(19)
186
0
9
3844
(4)
2009-10
S>rEbE\$ m_o[aH$m
OrdZ ~r_mH$Vm: nm{bgrYmaH$ ImVm
(3405)
(3405)
(4391)
(270)
(4661)
(3405)
45026
49009
(3405)
68895
90655
(4661)
(4661)
3879
(28)
10563
132
56166
3928
6635
87
1476
721
1056
(183)
53037
(28)
21333
(281)
14559
709
100553
4019
10541
98
2409
455
3197
2692
(1554)
93331
(75)
2009-10
Q>ma `y{Z`Z XmBMr

2010-11
2009-10
15425
40247
136158
(212006)
384705
522
(10587)
15050
384705
5331
126607
73982
(189641)
244032
227754
(48615)
14870
244032
17472 19424423 19434755

(8244)
(13185)
64
1538451 9456020
17488 35280696 38534671
2
380242
277777
33 8614767 7283288
55 4491836 2619346
(4) (1189526) (466521)
413
131719 6029502
4789
1771
(5723)
6897
(168828) 1434747
18
24967
48341
5095
195107
370356
(666)
(1566)
25769 41196764 43821032
1456 1828029 1803559
6822 3294230 2890628
(43535) (103867)
(21)
12
20
428613
369950
35345
50455
0
(14396)
(6868)
12256
8278 5535826 5008584
17 14215045 9556491
110958
100589
404881
522
Hw$b
20160 29160499 26544725

(0)
(62580)
(50208)
401
352
2010-11
522
76520
522
76131
15782
388
92825
2692
13090
72
8923
1065
1593
(99)
1141
349
79843
(62)
2009-10
BpS>`m \$Q>
2010-11
(` bmI _|)
Omar {ddaU 20
dm{fH$ [anmoQ>
2010-11
{~abm gZ bmB\$
(3)
(J) ({~H$s na hm{Z/{Zdoem| H$s Ny>)
127
AmBEZOr d`m
EbAmBgr
EMS>rE\$gr Q>S>S>
_g `y `mH$
783
783
11496
333
4823
984
14630
202
1161
177
(2)
(2)
117178
40
(16)
69
3323
113762
106072
(9)
65
2923
103092
20057
94
10250
(30)
(17)
3999
3999
4463
35594
40
8116
35
(26)
(5)
492
2891
4729
1183
20954
41543
354
(2)
752
7453
32986
10781
14319
129
(99)
710
3241
10335
ZmoQ> : H$mo>H$ _| AH$ ZH$mam_H$ _y` ~VmVo h &
VwbZ n H$mo bo Om`m J`m bm^
(S>) [aOd/A` ImVm| _| A[aV
(K) Ka na bm^me {dVaU
(J) Vm{dV A{V_ bm^me
(I) df Ho$ 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

80762
2488
83250
25797
2256
28053
(7008)
(7006)
11829
14832
(91215)
(13676)
(13671)
(172251) (202750) (271087) (351849) (111899) (104892)
(202750) (159201) (351849) (377646) (104892)
(43550)
bm^/(ZwH$gmZ) H$a go nyd
30500
48055
(43550)
6246
30500
Hw$b (~r)
nyd Ad{Y IM
47975
6198
nm{bgrYmaH$m| Ho$ ImVo _| AeXmZ
(J) A`
3419
113762
117180
117180
2979
103092
106072
106072
{ab`mg
35634
(27518)
(27518)
19406
19406
22137
(2091)
(2091)
16411
(12929)
(12929)
16715
16581
134
3786
234
(241)
729
2658
405
(28379)
(28379)
30953
30534
419
2574
136
(476)
922
1993
(156550) (146650)
(82961) (102367) (280316) (267387)
(146650) (119131) (102367) (100275) (267387) (239008)
(9900)
(9900)
20151
5862
242
528
528
28836
655
1427
2741
(I) gXohmnX F$Um| Ho$ {bò mdYmZ
80
48
83778
(49)
940
2233
25712
(474)
4505
36745
(54)
1353
9288
73192
(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$b (E)
A` Am`
(S>) r{_`_ _| n[aemoYZ/{Zdoem| _| Ny>Q>
(203)
177
(156)
3039
334
1491
3663
32907
(I) {~H$s na bm^/{Zdoem| H$s MyQ>
(K) ghr Xm_ Ho$ nwZ_y`Z/n[adVZ na hVmVaU/bm_
AmBgrAmBgrAmB w.
~OmO Ab`mO
(` bmIm| _|)
103874
(1830)
105704
2463
108166
3623
3167
455
111789
(314)
961
17591
93551
(1830)
(56058)
54229
1471
55699
7592
6945
647
63291
(54)
1063
9834
52448
2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10
(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
g^r OrdZ ~r_mH$Vm : AeYmaH$ ImVm
{ddaU 21
dm{fH$ [anmoQ>
2010-11
Eg~rAmB bmB\$
6065
2697
(3548)
1683
(251)
17775
5469
33552
Q>mQ>m EAmBOr
_oQ>bmB\$
Adrdm
ghmam
128
ZmoQ> : H$mo>H$ _| AH$ ZH$ma_H$ _y` ~VmVo h &
(H$) dfma^ _| eof
{d{Z`moJ
62122
25487
(2158)
27646
36634
25487
103
411
(15264)
(25512)
10247
10247
27749
37045
nyd Ad{Y IM
882
965
(4761)
3542
3815
(4799)
Hw$b (~r)
(29)
83
(J) A`
(H$) {Zdoe _y` _| H$_r (ew)
JbV F$U H$s hm{Z
5179
5179
2212
1752
460
(40001)
(40001)
44582
44339
243
(25512) (155807) (160986)
(32434) (160986) (120985)
6922
6922
2205
1770
435
(7934)
(10462)
2528
2528
24
24
2875
2875
(34472)
(34472)
36893
36002
892
(10462) (147851) (150726)
(12968) (150726) (116255)
2506
2506
20924
20129
794
3542
747
2795
188
2983
75
75
747
(2874)
3621
259
3880
35
35
3915
(6)
1379
(3)
1106
1432
(74)
87
1696
1347
39
2422
(0)
312
2059
51
302
23799
(16)
161
3159
20495
5
2506
(0)
465
1967
74
3058
2552
(9)
244
2205
112
22989
4581
15
1163
3403
408
7391
(25)
2422
4989
40860
9127
(0)
282
1761
7085
Hw$b (E)
11212
(1)
76
2186
8951
A` Am`
H$moQ>H$ _hom
lram_
^maVr Egm
(` bmIm| _|)
2461
730
1731
1731
502
474
27
2233
273
(91)
112
1019
919
(34039)
(34039)
6801
6661
141
(27237)
(22)
177
951
(28343)
(73990)
(47817)
(47817)
848
695
152
(46969)
(48)
187
621
(47729)
730 (155846) (121807)
2536 (121807)
(1806)
(1806)
3358
3324
34
1551
133
198
1078
143
2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10
{Zdoem| go Am`:
(VH$ZrH$s ImVm)
{ddaU
Omar {ddaU 21
dm{fH$ [anmoQ>
2010-11
`yMa OZabr
765
544
(18)
744
200
(29)
139
150
129
ZmoQ> : H$mo>H$ _| AH$ ZH$mam_H$ _y` ~VmVo h &
(H$) dfma^ _| eof
{d{Z`moJ
(96654)
(64642)
(64642)
(28955)
2
(35686)
(32012)
36976
(35685)
32928
(32012)
Hw$b (~r)
nyd Ad{Y IM
36837
32778
(J) A`
(H$) {Zdoe _y` _| H$_r (ew)
JbV F$U H$s hm{Z
1470
1291
915
Hw$b (E)
(36249)
(24071)
(12178)
(12178)
13649
13511
137
215
(121)
188
1184
A` Am`
AmBS>r~rAmB \o$S>b
EoJmoZ aobrJoà
Ho$Zam EMEg~rEg
S>rEbE\$ m_o[aH$m
Q>ma `y{Z`Z XmBMr
BpS>`m \$Q>
Hw$b
(` bmIm| _|)
Omar {ddaU 21
(24071)
(13576)
(10495)
(10495)
12453
12299
154
1959
(3)
(159)
310
1810
(4369)
(1997)
(2373)
(2373)
3541
567
1168
461
(1)
99
609
(1997)
(2379)
382
382
133
133
515
81
(2)
53
382
(66841)
(47703)
(19138)
(19138)
20117
19760
356
979
(73)
158
893
(47703)
(23087)
(24616)
(24616)
26236
26114
122
1620
(35)
530
1124
(24731)
(13775)
(10956)
(10956)
11681
11450
231
725
(51)
(0)
79
697
(13775)
(4446)
(9329)
(9329)
9965
9794
171
636
(70)
(0)
91
615
(6935)
(4106)
(4106)
(1965)
(2140)
134
35
(2829)
(2006)
1173
1173
(833)
(125)
697
2000
(3405)
(2794)
1365
1365
(1429)
54
(72)
377
2603
(4391)
(11679)
(5204)
(6475)
(6475)
9015
8923
92
2540
890
(114)
669
1095
265704
5552
35
271291
208837
178543
(29)
27349
480129
787
(98882)
4096
134
(94652)
329537
317806
85
242
(5273)
16677
234886
177
(5)
1379
(74)
1915
(4634)
12275
50490
(1473)
11002
76334
175204
2979
103092
(5204) (1633226) (1781750)
3419
113762
(725) (1781750) (1576796)
(4479)
(4479)
5182
5095
85
703
(50)
(0)
241
511
391637
2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10
{Zdoem| go Am`:
(VH$ZrH$s ImVm)
{ddaU
dm{fH$ [anmoQ>
2010-11
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$a gn{m
dV_mZ gn{m`m
ZJX Ed ~H$ eof
A{J_ Ed A` gn{m`m
Hw$b `moJ (E)
dV_mZ Xm{`d
mdYmZ
Hw$b `moJ (~r)
ew dV_mZ 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$b
{ddaU
196950
48000
3
244953
7
78608
1456730
1535344
29842
1810140
50440
105817
1456730
2655
6982
56980
12154
69133
81135
3231
84367
(15233)
202750
1810140
196950
48000
0
244950
1
106086
1745922
1852008
45697
2142656
69727
160335
1745922
2631
3998
130
58852
13717
72570
80083
4695
84778
(12208)
172251
2142656
7018693
271087
6030029
351849
30540
29660
60200
157170
2988
160159
(99958)
29552
17844
33032
33473
66505
158967
491
159458
(92953)
128503
445657
5146926
1160
26340
123242
6030029
5037610
5428166
24934
6689
358933
142814
11
9
335884
(96)
478622
197647
721719
5882653
869
19826
97220
7018693
5823298
6441896
23154
6689
588755
336069
656
479577
142846
5
2010
AmBgrAmBgrAmB w
2011
2010
{~abm gZbmB\$
2011
703351
111899
9465
18928
28393
28921
114
29035
(641)
41169
178843
369776
1341
964
1990
703351
370302
554682
184365
16
191
146679
146488
2011
12447396
39506
368
40374
500
11386815
36587
36087
500
2010
EbAmBgr
2011
2327286
3807208
6134493
39711
1608067
1647778
4486715
38257
97016710
17998971
8388265
283941
1415893
3531917
4947809
592822
1597398
2190220
2757590
35376
83304127
17032518
8299709
312299
580712 128212858 111741618
104892
9868
13463
23330
27978
96
28074
(4744)
18359
131922
327729
823
1732
2653
3491
8116
580712 128212858 111741618
98535715 83940026
605030
366457
327772 16580852 16003617
457845 128168993 111696915
129994
79
64
120214
101915
18235
2010
AmBEZOr d`
g^r OrdZ ~r_mH$Vm : VwbZ n

(31 _mM na)
156550
16939
2830767
38373
67703
106076
130376
1501
131877
(25801)
69997
533498
2052313
3312
23957
44723
2830767
2052313
2564492
512333
(154)
22068
(4)
221552
199488
2160620
146650
30302
49178
79479
124854
1876
126730
(47251)
63048
434154
1552178
404
11438
25548
2160620
1552178
1930898
376669
2051
5529
1844
204173
196800
2010
EMS>rE\$gr Q>S>S>
2011
1448623
82961
19249
48405
67654
108350
26
108376
(40722)
7559
131989
364698
886956
1162
14020
15136
1448623
886956
1227330
340353
1128944
102367
18404
44536
62940
83780
28
83809
(20869)
7580
83013
270750
657794
861
27448
6229
1128944
657794
917115
259314
7900
13414
404
205599
7995
13518
544
206157
21
183882
184100
2010
_g `y `mH$
2011
2057389
280316
60132
(12346)
27220
20566
47786
60132
37775
99112
1648640
3080
813
19481
2057389
1634550
1728294
93096
648
192850
180
309615
116584
2011
1627456
267387
49878
13452
63330
73514
243
73757
(10427)
36931
52645
1276506
3018
1397
10264
1627456
1270115
1319550
48758
677
180970
207
297642
116464
2010
[abm`g
(` bmIm| _o)
{ddaU 22
dm{fH$ [anmoQ>
2010-11

eoà nyOr
~H$m`m Ed eof
Hw$b `moJ
CYma
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$a gn{m
dV_mZ gn{m`m
ZJX Ed ~H$ eof
A{J_ Ed A` gn{m`m
Hw$b `moJ (E)
dV_mZ Xm{`d
mdYmZ
Hw$b `moJ (~r)
(AeYmar ImVm)
Hw$b
{ddaU
105996
284
209870
375
100000
23200
613
498
6010
4476
113135
131
15264
4822
3506
25512
155807
160986
16621
11441
28061
32710
2062
34772
(6711)
40674
9121
603856
58556
24967
681917
2783
3405
6188
3334
67
3401
2788
22791
23756
58491
23
530
7934 10462 147851 150726

165375 166383
3927490 3304492 3952581 2814312 871628 694222 1414223 1100685 955131 764288 905655 802488 108379
1830
27434
82387
485242
977
10645
9130 13974 13569

9248
9336
5024
10628 25487 20569 12746 12745 15375
19757 39461 34138 21993 22080 20399
26432 57586 54604 31975 39311 29835
1714
636
748
1838
2011
1704
28146 58222 55352 33812 41322 31540
(8388) (18761) (21214) (11819) (19242) (11141)
28821
117633
638692
1123
7372
8406
2160
10565
9783
253
10035
530
5102
2173
7275
10797
133
10929
(3654)
15412
8334
118412
12
1959
155846
3432
10226
13658
12473
613
13086
571
871
13867
6266
133922
121807
4521
9280
13801
16033
386
16419
(2618)
2052
9444
4298
79230
89241 201965 140474 311344 214213
2248
2456
4704
2735
40
2775
1929
17345
17523
164611
22
1934
10473
9923
20396
26318
1906
28224
(7828)
39835
286568
619149
4534
10828
43851 21869 26566 32189

38325 31116 53254 32197
82176 52985 79821 64387
95009 105187 170652 143039
10682
6602
1189
617
105691 111789 171841 143657
(23515) (58804) (92020) (79270)
44833
361962
859016
6251
5115
22355
16809
47465
10
673
24918
101474
544585
522
5599
32226
128367
698635
577
4385
79230
83527
4295
235208 154538 96508 72830

409372 346223 1466870 1088751
3288417 2841462 2452908 1708731
1471
1303
16537 17940 28316 23270
6750
47462 164611 118412 133914
64118 182000 127012 140677
8601
13
58491
79966
17389
152535
730 17929 17399

50
194
152
13280 170659 130687
12500
2010
^maVr Egm
2011
16561
95
2461
5
19965
17500
2010
21444
31
24302
1102
23200
lram_
2011
821
181
8
89241 201965 140474 311344 214213
966862
188880
2010
(` bmIm| _o)
Omar {ddaU 22
29290 38746
4022
2462 20383 20569 19360 15359
7781
8074 15865 13832
1293
3927490 3304492 3952581 2814312 871628 694222 1414223 1100685 955131 764288 905655 802488 108379
302934 1331439
12197
200490
27120
177479
18487
ghmam
2011
56233
196957
2351
2010
A{ddm
3920
192050
2011
3
2
56233 195353 192050 199308 195968 200490 188880
1609
3278
195350
2010
_oQ> bmB\$
2011
5204
51029
2010
Q>mQ>m EAmBOr
2011
5204
51029
2010
H$moQ>H$ _ho
2011
115715 92368 340059 273246 109859 75008 23248

9752
422
528
3288417 2841462 2448886 1706268 678262 524026 853441 615554 636574 481961 666052 590024
3673259 3144680 3785589 2685327 795012 617420 1199509 893276 748042 560247 689301 599776
384467
5264
62122 25487
848
1036
224941 121066 162970 126523
15071
15071
100000
2011
2010
Eg~rAmB bmB\$
2011
2010
~OmO AbmÒ

(31 _mM na)
dm{fH$ [anmoQ>
2010-11

eoà nyOr
~H$m`m Ed eof
Hw$b `moJ
CYma
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$a gn{m
dV_mZ gn{m`m
ZJX Ed ~H$ eof
A{J_ Ed A` gn{m`m
Hw$b `moJ (E)
dV_mZ Xm{`d
mdYmZ
Hw$b `moJ (~r)
(AeYmar ImVm)
Hw$b
{ddaU
2190
125363
10202
19019
30028
753
5254
6437
11691
10694
278
10972
719
64642
125363
9354
213868
11104
38047
64610
393
3769
8919
12688
9217
412
9629
3060
96654
213868
27838
46721
55349
94366
132
235683
36249
7810
11570
19380
18709
174
18882
498
1703
32187
25037
140009
235683
140009
165883
26263
18884
39017
(135)
69799
(389)
(6)
76452
(52)
110148
69935
136111
24071
10853
8451
19304
19123
136
19259
45
1721
19492
9381
81402
136111
81402
91181
9778
7
44930
44924
2010
AmS>r~rAmB \o$S>b
2011
70200
6258
105200
5000
2010
`yMa OZabr
2011
4369
69063
140408
4848
7715
12563
11917
235
12152
411
2160
18931
4235
41240
322
140408
45086
4168
40918
0
95000
95000
2011
1997
39220
71526
2526
4871
7397
6172
359
6531
866
4521
10357
1364
13202
126
71526
14399
1323
13076
1
57001
57000
2010
EJmoZ ao{b{Jà
341410
66841
8576
7834
16410
18598
191
18789
(2379)
2994
13523
27782
232648
341410
232648
258910
26286
(24)
179803
47703
4954
3878
8832
14138
117
14255
(5423)
5843
14502
9534
107644
179803
107644
117303
9659
62500
12500
12500
82500
50000
2010
70000
2011
Ho$Zam EMEg~rgr
46193
24731
1051
2645
3696
4746
177
4922
(1226)
374
13737
491
8087
46193
8087
8671
584
8126
1
37522
29396
2011
25311
13775
743
1741
2485
3034
118
3153
(668)
604
8354
165
3081
25311
3081
3180
99
0
22131
22130
2010
S>rEb\$ m_o[aH$m

(31 _mM na)
6935
270
184762
13224
5543
18768
17642
12
17654
1114
1767
34394
22913
117370
184762
117369
142769
25400
17000
(7)
41993
25000
2011
94841
4106
11649
3418
15067
13660
182
13842
1225
2062
35369
3605
48474
94841
48474
52793
4318
17000
48
42048
25000
2010
Q>ma `y{Z`Z XmBMr
139633
11679
23134
3871
27005
28436
10
28446
(1440)
3313
30860
4644
90577
524
139633
90054
93603
3549
13000
6
45506
32500
50518
5204
1533
665
2199
10104
29
10132
(7934)
2908
32866
125
17349
2
50518
17347
17472
125
13000
44
33044
20000
2010
BpS>`m \$Q>
2011
11445200
6689
86986116
366985
33595999
132404265
2101923
42990
7908
818302
3759
2974883
3278
2010
1763961
3856425
5620386
1649027
1621394
3270421
2349965
7580
29552
1805225 1808714
251648
205602
158364690 135687405
2699647
4228997
6928645
1152769
1634991
2787760
4140885
7559
17844
1291451
954251
101754780 86732230
40256381 34799690
8410128 8315986
428790
483834
335939
308257
158364690 135687405
12523892
6689
102836340
605452
38666368
154640349
2366119
7356
7995
1004143
2798
3388412
1609
2011
Hw$b
(` bmIm| _o)
Omar {ddaU 22
dm{fH$ [anmoQ>
2010-11
dm{fH$ [anmoQ>
2010-11
{ddaU 23
^maVr` OrdZ ~r_m {ZJ_: nm{bgrYmaH$m| H$m ImVm

(Ja-^mJrXmar)
(` bmIm| _|)
2010-11
2009-10
781
778
(27)
(27)
(1325)
(1283)
1416
1283
850
751
CnJV Xmdo (ew)

H$_reZ
~r_m `mnma go g~{YV MbZ IM
A`
n[aemoY,_m\$s Ed mdYmZ
H$a Ho$ {bò mdYmZ
Hw$b (~r)
717
762
13
14
60
59
(0)
17
812
834
MbZ bm^/(hm{Z) gr=(E-~r)
38
(83)
38
(83)
A{OV r{_`_ (ew)

{Zdoem| H$mo ~oMZo/{d{Zdoe _| bm^-hm{Z
nm{bgr Xm{`dm| _| n[adVZ
A`
{Zdoem| na `mO,
`mO bm^me Ama {H$am`m (gH$b)
Hw$b (E)
{d{Z`moJ
AmnmVH$mbrZ [aOd _| AVaU
A` [aOd _o AVaU
Hw$b (gr)
{Q>nUm: H$mo>H$ _| {Xò Jò AmH$S>| ZH$mam_H$Vm H$mo XemV| h &
133
dm{fH$ [anmoQ>
2010-11
{ddaU 24
^maVr` OrdZ ~r_m {ZJ_: AeYm[a`m| H$m ImVm

(Ja-^mJrXmar)
(` bmIm| _|)
2010-11
2009-10
38
(83)
38
(83)
38
(83)
H$a Ho$ nmV bm^
38
(83)
{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
K) {H$gr [aOd `m A` ImVo _| AV[a_
S>) gm_m` [aOd _| WmZmV[aV
M) nyd df Ho$ bm^-hm{Z eof H$mo {b`m J`m
N>) eof H$mo VwbZ n _| ôOm J`m
38
(83)
MbZ bm^/(hm{Z)
(H$) A{ ~r_m
(I) g_wr ~r_m
(J) {d{dY ~r_m
{Zdoem| go Am`
(H$) `mO, bm^me Ed {H$am`m (gH$b)
(I) {Zdoem| H$s {~H$s na bm^
KQ>m`|: {Zdoe H$s {~H$s _| hm{Z
A` Am`
Hw$b (E)
mdYmZ (H$a Ho$ A[V[a$)
(H$) {Zdoemo Ho$ _y` H$mo H$_ H$aZo Ho$ {bò
(I) gXohmnX F$Um| Ho$ {bò
(J) A`
A` IM
(H$) ~r_m `mnma Ho$ Abmdm A` IM
(I) JbV F$U H$s _m\$s
(J) A`
Hw$b (~r)
H$a go nyd bm^
H$a Ho$ {bò mdYmZ
134
dm{fH$ [anmoQ>
2010-11
{ddaU 25
^maVr` OrdZ ~r_m {ZJ_: VwbZ n

(Ja-^mJrXmar)
(_mM 31 VH$)
(` bmIm| _o)
2011
2010
nm{bgr Xm{`d
18573
17247
[aOd Ed `mXm
36
36
ghr _y` n[adVZ ImVm
21
28
18629
17311
18125
16964
dV_mZ gn{m`m
ZJX Ed ~H$ eof
A{J_ Ed A` gn{m
186
572
209
591
Hw$b dV_mZ gn{m`m (E)
758
800
dV_mZ Xm{`d
199
453
55
Hw$b dV_mZ Xm{`d (~r)
254
453
ew dV_mZ gn{m (gr)=(E-~r)
504
346
18629
17311
{Z{Y`m| Ho$ moV

eoà nyOr
F$U
Hw$b
{Z{Y`m| H$m Cn`moJ
{Zdoe
F$U
WmB gn{m`m
mdYmZ
{d{dY IM (_m\$ Zhr {H$ò Jò)

eof H$mo bm^-hm{Z ImVo _| S>mb|
Hw$b
135
45
808
76
777
1524 25269
61 7373
998 52926
198
5915
_g
`y `mH$
27
739
_oQ>
bmB\$
31
1180
48
1356
199
4729
H$moQ>H$ Eg~rAmB
Q>mQ>m
_hom
EAmBOr
19
257
ghmam
16
366
lram_
11
596
^maVr
Egm
5
216
136
17%
11%
31%
16%
24%
31%
39%
72%
8%
5%
81%
46%
19%
14%
4%
5%
23%
13%
ZmoQ>: qbH$S> dmW` `dgm` H$mo {_bmH$a, `{X H$moB h &

nm{bgr H$mo bog _mZm OmòJm `{X r{_`_ H$m ^wJVmZ 15 go 60 {XZm| Ho$ ^rVa Zht {H$`m J`m hmo &
df _| bog hB nm{b{g`m| H$m AZwnmV, df _| bog nm{b{g`m| H$s g`m H$mo gmb Ho$ ew$ VWm gmb Ho$ AV Ho$ ~rM hE `mnma _| ^mJ H$ao
S>mQ>m H$m moV: OrdZ ~r_mH$VmAm| H$s ~r_mH$ [anmoQ> 31-3-2008, 31-03-2009 VWm 31-03-2010
N.A. : bmJy Zht
H$m{bV AZwnmV (nm{b{g`m| H$s

g`m Ho$ AmYma na)
2009-10 _o
2010-11 _o
25%
31%
14%
12%
7%
7%
42%
33%
21%
15%
41%
15%
38%
19%
8.68 26.81
154
939
37%
25%
0%
6%
68.33 4.70
1594
197
0.05
21
0%
3%
0.22
59
0 0.003
0
0
`yMaAmBS>r~rAmB Ho$Zam
OZabr \o$S>b EMEg~rgr
156.33 202.12 33.28 666.16 80.54 547.89 76.7311483.44 209.28 79.12 25.63 54.37 297.01 20.66
4944.94 2362.68 1290.80 2647 2778 16582 1195 89860 7678 15826 1614 2035 5364
296
32
166
{~abm EMS>rE\$gr AmBgrAmB AmBEZOr EbAmggr

gZbmB\$ Q>S>S> grAmB w. d`m
2010-11
nmbgr`m| H$s g`m 000
~r{_V am{e (` H$amoS> _|)
91
679
A{ddm
160.62 80.96 37.36 323.43 114.09 968.89 89.11 9744.37 286.84 44.99 22.91 46.49 329.19 22.49 16.04 17.20 44.39
10852 1531
378 1578 2716 32354 4706 114767 11370 6689 4813 5904 12972
340
593 1043 1679
96
1723
~OmO [ab`mg
AbmO
2009-10
2008-09
[ddaU
`{$JV `nma (^maV _|)

Ja qbS> `mnma go g~{YV g_nhaU/H$m{bV nm{b{g`mo H$m {ddaU
Q>ma
`y{Z`Z
0.81
55
24%
9%
80%
19%
3.52 2.16
671
138
2.451
432
4%
18%
4.42
70
0.28
7
1 0.006 0.003
96
0
0
EJmoZ S>rEbE\$
ao{bJoa mo_oarH$m
0%
0
0
NA
NA
NA
NA
BpS>`m
\$Q>
{ddaU 26
dm{fH$ [anmoQ>
2010-11
2010-11
dm{fH$ [anmoQ>
{ddaU 27
OrdZ ~r_mH$VmAm| Ho$ `{$JV A{^H$VmAm| H$m {ddaU

1 Ab,
n[adYZ
hQ>mòo Jò
2010 H$mo
2010-11
2010-11
7617
6383
3139
10861
32728
10004
19513
23219
167741
22215
289
189667
32661
8938
26389
15210
168124
36247
59798
144573
2115
3339
255
5199
42613
10501
448
52666
EMS>rE\$gr Q>S>S>
198879
17042
79912
136009
AmBgrAmBgrAmB y
241830
44547
95970
190407
AmBS>r~rAmB \o$S>b
7737
3105
2960
7882
~r_mH$Vm
EJmoZ ao{bJoà
A[ddm
~OmO A[bmÒ
^maVr Egm
{~abm gZ bmB\$
Ho$Zam EMEg~rgr
S>r Eb E\$ m_o[aH$m
`yMa OZabr
31
_mM,
2011
BpS>`m \$Q>
AmBEZOr d`m
296
296
53273
26014
44330
34957
H$moQ>H$ _hom
35897
13089
10717
38269
_g `y `mH$
72828
34156
63442
43542
_oQ>bmB\$
63300
16066
50526
28840
195565
49164
55296
189433
ghmam
13856
570
246
14180
Eg~rAmB bmB\$
65532
43311
29215
79628
lram_
21554
285
11700
10139
69
66
128
151557
50129
114463
87223
{ZOr `moJ
1575476
395467
668615
1302328
EbAmBgr
1402807
306296
372039
1337064
CmoJ `moJ
2978283
701763
1040654
2639392
[abm`g bmB\$
Q>ma `y{Z`Z XmBMr

Q>mQ>m EAmBOr
ZmoQ>: BS>ob{dg Q>mo{H$`moo OrdZ ~r_m H$.{b. H$mo _mM 31, 2011 Ho$ ~mX nOrH$aU {X`m J`m &
137
2010-11
dm{fH$ [anmoQ>
{ddaU 28
OrdZ ~r_mH$VmAm| Ho$ {ZJ{_V A{^H$VmAm| H$m {ddaU

~r_mH$Vm
1 Ab
n[adYZ
KQ>mò Jò
2010 H$mo
2010-11
2010-11
31
_mM,
2011 na
EJmoZ ao{bJoà
10
A[ddm
15
11
864
581
289
13
13
{~abm gZ bmB\$
380
12
228
164
Ho$Zam EMEg~rgr
11
12
EMS>rE\$gr Q>S>S>
374
366
AmBgrAmBgrAmB y
22
10
15
AmBS>r~rAmB \o$S>b
BpS>`m \$Q>
AmBEZOr d`m
58
1829
860
1027
H$moQ>H$ _hom
95
73
25
_g `y `mH$
81
14
40
55
_oQ>bmB\$
29
21
12
[abm`g
225
164
67
127
15
42
100
lram_
Q>ma `y{Z`Z XmBMr
72
57
18
{ZOr `moJ
2420
1919
2469
1870
EbAmBgr
510
16
231
295
CmoJ `moJ
2930
1935
2700
2165
~OmO AbmÒ
^maVr Egm
S>r Eb E\$ m_o[aH$m

`yMa OZabr
ghmam
Eg~rAmB bmB\$
Q>mQ>m EAmBOr
138
139
14
0
2
2
2
1
15
8
1
1
5
14
11
5
23
0
0
0
0
5
9
9
1
16
0
16
3
10
0
1
0
0
6
0
1
181
43
1
17
31
8
3
36
20
5
3
15
32
42
21
80
1
3
1
2
19
53
27
1
36
1
60
4
36
0
1
0
0
14
0
1
617
2
0
1
1
0
0
1
4
0
0
0
4
2
1
3
0
0
0
0
1
3
1
0
3
0
4
0
1
0
0
0
0
1
0
0
33
15
0
1
17
1
1
7
11
2
1
11
5
8
8
19
0
0
0
0
6
7
6
0
9
0
37
3
8
0
0
0
0
2
0
0
185
44 253
1
0
9
12
4
24
8
7
1
3
28 154
14
34
6
6
2
15
5
15
34
46
56 106
28
28
56 108
1
0
2
3
1
1
1
0
13
23
25 110
26 157
1
1
38
71
1
1
43 110
7
8
25
74
0
1
1
2
0
0
0
0
16
28
0
0
1
1
498 1402
`yMa EMS>rE\$gr AmBgrAmBgr

OZabr Q>S>S> AmB w.
5
0
1
2
1
2
4
2
0
0
2
3
5
1
10
0
0
0
0
0
2
3
0
3
0
6
1
4
0
1
0
0
2
0
0
60
1
0
0
0
0
0
0
0
0
0
0
1
1
1
4
0
0
0
0
0
0
1
0
1
0
1
0
1
0
0
0
0
1
0
0
13
44
0
1
1
1
1
12
8
1
2
1
28
21
10
16
0
0
0
0
5
15
15
0
42
0
15
1
2
0
1
0
0
3
0
1
247
BpS>`m AmBS>r~rAmB AmBEZOr

\$Q> \o$S>b d`m
10
0
3
1
2
1
37
16
0
1
3
10
11
7
32
0
0
0
0
1
14
8
0
11
0
16
2
6
0
0
1
0
9
0
1
203
H$moQ>H$
_hom
30
0
3
4
4
4
64
55
6
4
4
19
24
14
89
0
1
0
0
9
35
20
0
29
1
42
5
14
0
1
1
0
21
0
1
504
_g
`y `mH$
21 133
1
2
4
33
6
44
3
12
2
3
17
85
10
39
5
18
8
14
5
20
15
78
24
62
9
59
22 121
0
0
0
3
0
1
0
1
7
36
23
51
8
60
0
2
27 105
1
3
24 140
3
22
18
76
0
0
1
0
0
0
0
0
6
25
0
0
0
0
270 1248
_oQ> arbm`g
bmB\$ bmB\$
8
0
4
19
1
0
8
7
0
0
6
4
0
5
2
0
0
0
0
3
1
14
0
1
0
40
1
9
0
1
0
0
1
0
0
135
58
1
15
25
12
6
32
24
10
3
16
38
39
34
58
1
1
1
1
26
24
27
1
56
1
53
9
42
1
3
0
0
10
0
1
629
ghmam Eg~rAmB
bmB\$
2) H$m`mb` {Og H$ma ~r_m A{Y{Z`_ 1938 Ho$ AZwN>oX 64 drgr _| {ZX}{eV {H$ò Jò &
0
0
0
0
0
0
4
8
1
0
0
1
0
0
1
0
0
0
0
0
17
1
0
0
0
3
0
1
0
1
0
0
3
0
0
41
^maVr {~abm Ho$Zam S>rEbE\$

Egm gZbmB\$ EMEg~rgr m_o[aH$m
H$s AZw_{V {_bZo Ho$ ~mX Iwbo H$m`mb`

{Q>nUr: 1) {deof [aQ>Z Ho$ _m`_ go ~r_m XmVm mam OwQ>mò Jò AmH$S>o
* m{YH$aU
5
91
1
1
6
26
3
55
2
16
1
2
8
56
9
23
0
12
1
18
4
40
7
63
8
76
6
64
17 103
0
0
1
3
0
1
0
0
6
53
9
50
6
58
0
3
6
60
1
2
10 107
1
17
14
64
0
0
1
3
0
0
0
0
9
20
0
0
0
5
142 1092
6
0
1
1
2
2
9
4
1
1
2
9
7
6
20
0
0
0
0
3
8
6
1
10
0
13
1
7
0
0
0
0
8
0
0
128
AmY Xoe
A$UmMb Xoe
Ag_
{~hma
N>mrgJT>
Jmodm
JwOamV
h[a`mUm
{h_mMb Xoe
O_y Ama H$e_ra
PmaIS>
H$ZmQ>H$
Ho$ab
_`Xoe
_hmam>
_{Unwa
_oKmb`
{_Omoa_
ZmJmbS>
CS>rgm
nOm~
amOWmZ
{g{$_
V{_bZmSw>
{nwam
Cma Xoe
CmamIS>
n{_ ~Jmb
MS>rJT>
XmXa VWm ZJa hdobr
X_Z Ama Xrd
{Xr
bjrn
nwSw>Mo$
H$nZr Hw$b
~OmO
Am`mO
A{ddm
EJmoZ
aobrJa
am`/
Ho$ em{gV Xoe
OrdZ ~r_mH$VmAm| Ho$ am`mZwgma H$m`mb`m| H$m {ddaU* - 2010-11
77
0
0
0
2
0
6
4
0
0
3
2
5
6
7
0
0
0
0
0
4
2
0
29
0
6
2
1
0
2
0
0
4
0
0
162
lram_
1
0
1
2
0
0
1
0
0
0
1
1
1
1
4
0
0
0
0
1
1
1
0
1
0
2
0
1
0
1
0
0
1
0
0
22
18 879 274
0
8
3
19 159
80
16 258 127
4
88
62
1
34
16
29 613 185
14 314
69
4
78
37
0
74
28
10 168
63
18 432 226
25 534 180
7 321 203
39 834 359
0
3
4
1
18
1
1
7
1
0
5
4
16 233 106
13 474 101
19 475 176
0
11
2
20 574 308
2
14
16
26 774 358
1
91
46
48 462 235
0
2
2
0
21
10
0
2
1
0
0
0
11 201
81
0
0
0
1
14
7
363 8175 3371
1153
11
239
385
150
50
798
383
115
102
231
658
714
524
1193
7
19
8
9
339
575
651
13
882
30
1132
137
697
4
31
3
0
282
0
21
11546
Q>ma
Q>mQ>m {ZOr Hw$b EbAmBgr CmoJ
`y{Z`Z EAmBOr am`mZwgma
Hw$b
XmBMr
(am`mZwgma)
{ddaU 29
dm{fH$ [anmoQ>
2010-11
dm{fH$ [anmoQ>
2010-11
{ddaU 30
jomZwgma OrdZ ~r_mH$VmAm| Ho$ H$m`mb`m| H$m {dVaU* - 2010-11

~r_mH$Vm
EJmoZ aobrJoà
A{ddm
~OmO A{b`mO
^maVr Egm
{~abm gZbmB\$
Ho$Zam EMEg~rgr
S>rEbE\$ m_o[aH$m
`yMa OZabr
EMS>rE\$gr Q>S>S>
AmBgrAmBgrAmB w.
AmBS>r~rAmB \o$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
_hmZJa
ZJa
CnZJa
Hw$b
H$nZr Hw$b
32
66
27
128
28
45
56
13
142
64
149
438
441
1092
26
60
86
181
54
89
370
104
617
10
17
33
11
23
41
12
49
66
58
185
59
83
285
71
498
79
114
494
715
1402
12
30
17
60
13
22
57
153
15
247
38
64
92
203
72
99
227
106
504
30
61
145
34
270
90
120
570
468
1248
35
73
21
135
34
124
334
137
629
25
49
85
162
14
22
55
87
168
53
363
769
1428
3715
2263
8175
363
560
953
1495
3371
1133
1988
4668
3757
11546
*m{YH$aU H$s AZw_{V {_bZo Ho$ ~mX Iwbo H$m`mb`

ZmoQ>:
1) {deof [aQ>Z Ho$ _m`_ go ~r_m XmVm mam OwQ>mò Jò AmH$S>o.
2) {dm _mb` mam {H$ò Jò Wbm| Ho$ EMAmaE dJuH$aU na AmYm[aV
_hmZJa:
{Xr, _w~B, MoB, H$mobH$mm, hXam~mX Ed ~Jbma
eha:
E.~r-1, ~r-2, dJ Ho$ eham| Ho$ {bE EMAmaE dJuH$aU na AmYm[aV
AYehar`: EMAmaE dJuH$aU na AmYm[aV gr dJ Ho$ eha
A`:
EMAmaE Ho$ dJuH$aU gyMr _| em{_b Zht hmoZo dmbo Wb:
140
~OmO
Am`mO
15934
135
9421
17963
3917
91
8436
2377
2114
2598
8484
7642
9043
9104
11944
145
345
220
123
15456
7545
5356
356
9220
1125
21174
504
14789
_
563
116
6
3303
_
118
189667
AmY Xoe
558
1101
A$UmMb Xoe
_
154
Ag_
64
1256
{~hma
33
1365
N>mrgJT>
178
313
Jmodm
112
156
JwOamV
866
1191
h[a`mUm
515
1250
{h_mMb Xoe
73
239
O_y Ama H$e_ra
52
85
PmaIS>
286
358
H$ZmQ>H$
693
855
Ho$ab
633
813
_`Xoe
576
1377
_hmam>
1195
1915
_{Unwa
4
19
_oKm`b
7
62
{_Omoa_
_
28
ZmJmbS>
119
16
CS>rgm
298
2366
nOm~
895
667
amOWmZ
338
1040
[g{$_
30
93
V{_bZmSw>
1108
661
{nwam
_
428
Cma Xoe
1000
2146
CmamIS>
110
89
n{_ ~Jmb
537
1442
AS>_mZ {ZH$mo~ma rng_yh
_
5
MS>rJT>
43
73
XmXa VWm ZJa hdobr
_
2
X_Z Ama Xrd
_
1
{Xr
538
1608
bjrn
_
_
nwSw>Mo
_
45
H$nZr Hw$b
10861 23219
EJmoZ
aobrJa
A{ddm
am`/
Ho$ em{gV Xoe
904 16545
_
262
118
8759
299 10045
213
2426
42
725
1223
6433
253
4781
142
791
119
397
582
3241
888
7933
628
5387
357
5250
1717 14245
_
587
_
874
_
209
_
1060
380
6631
790
5304
693
6861
49
200
1126
7460
_
173
1830 13387
259
348
1397
9866
_
79
342
481
_
42
_
5
859
3502
_
_
_
284
15210 144573
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
603
831
30
_
_
4
_
_
_
_
_
_
_
_
2459
_
_
_
_
114
5
4
_
521
_
_
628
_
_
5199
^maVr {~abm Ho$Zam S>rEbE\$

Egm gZbmB\$ EMEg~rgr m_o[aH$m
6119
9986 13538
_
_
_
700
2982
6282
847
2147 10877
246
1467
1699
266
297
265
2722
7491 12219
3015
4248
3828
797
693
2550
896
866
2128
2264
1451
4500
1283
7574
6049
2388 10745 15518
2228
6141
6016
6136 24296 19857
_
_
12
_
238
135
_
_
196
_
_
_
2773
4098
9720
1697
4611 11101
2763
4919 11374
_
150
173
3157
7887
9069
_
1149
910
6436 12401 17402
440
1128
1071
2972
8732 11865
_
_
171
557
1131
878
_
_
_
_
_
_
1964
9009 10786
_
_
_
_
172
218
52666 136009 190407
`yMa EMS>rE\$gr AmBgrAmBgr

OZabr Q>S>S> AmB w.
821
21
343
197
5
116
499
218
25
3
270
404
698
221
820
34
1
7
33
20
286
746
1
424
2
828
98
329
17
54
_
_
338
_
3
7882
4
_
_
7
_
_
2
8
5
_
3
23
27
15
34
_
1
_
_
2
1
52
_
10
_
52
_
9
_
_
_
_
40
_
1
296
6293
_
238
_
_
138
1071
550
126
296
229
4522
2491
1161
1975
_
_
_
_
1310
1171
2231
_
6638
_
1929
153
880
_
195
_
_
1252
_
108
34957
OrdZ ~r_mH$mV
BpS>`m AmBS>r~rAmB AmBEZOr
\$Q> \o$S>b d`m
1035
_
946
33
19
_
8049
3636
_
5
288
1739
820
861
7409
_
_
_
_
84
2654
1167
_
1518
_
1912
16
1418
_
570
124
_
3950
_
16
38269
H$moQ>H$
_hom
2751
_
82
395
371
429
4569
2916
433
312
561
1384
1705
1296
7840
_
24
_
_
813
2908
1918
_
1936
42
4066
960
1280
_
486
_
_
3999
_
66
43542
_g
`y `mH$
arbm`g
bmB\$
2749 22229
40
599
722 10478
320 11295
520
1926
76
386
1409 10191
833
4891
82
1589
1263
1891
443
5659
1977
6822
3847
5476
426 10406
2298 12350
7
_
1
769
_
189
23
189
922 10678
1572
4895
627
7340
1
107
1962 12306
80
1534
2361 25152
262
3211
2000 10740
15
_
169
258
2
_
3
_
1792
5653
_
_
36
224
28840 189433
_oQ>
bmB\$
8269
144
1285
2808
2600
369
3193
2227
851
316
1909
5121
6819
4834
8651
97
74
111
110
4333
1501
3284
50
8663
86
6005
786
3698
16
167
_
_
1045
_
206
79628
ghmam Eg~rAmB
bmB\$
790
_
347
2344
101
_
593
154
_
_
819
175
_
588
272
_
_
_
_
539
41
1645
_
44
_
4281
182
844
_
77
_
_
344
_
_
14180
`{$JV A{^H$VmAm| H$m am`mZwgma {dVma 2010-11
6602
_
_
22
192
1
20
4
_
_
145
490
100
957
413
_
_
_
_
49
1
7
_
1072
_
17
6
_
_
1
_
_
15
_
25
10139
lram_
_
_
14
45
1
_
2
1
_
_
8
_
_
22
12
_
_
_
_
2
1
1
_
1
_
14
_
3
_
_
_
_
1
_
_
128
3715
35
7096
4000
880
86
6823
4043
768
5
2552
1725
5898
1921
7679
189
67
151
321
5434
1703
4647
29
5712
1236
5929
390
11958
4
134
11
12
1844
2
224
87223
119943
1390
51133
65042
17074
3555
77605
40579
11308
11232
34052
57303
73036
53757
131058
1094
2598
1111
1994
65908
51803
57009
1239
79974
6765
128436
10018
84763
307
6700
297
27
52470
2
1746
1302328
111629
623
34600
68912
17167
3906
61431
21194
11900
6660
24063
85659
69416
55517
169012
1603
588
336
810
44916
36920
69486
581
109362
3736
150878
14228
115929
758
3638
5
98
39652
2
1849
1337064
231572
2013
85733
133954
34241
7461
139036
61773
23208
17892
58115
142962
142452
109274
300070
2697
3186
1447
2804
110824
88723
126495
1820
189336
10501
279314
24246
200692
1065
10338
302
125
92122
4
3595
2639392
Q>ma
Q>mQ>m {ZOr Hw$b EbAmBgr CmoJ
`y{Z`Z EAmBOr am`mZwgma
Hw$b
XmBMr
(am`mZwgma)
{ddaU 31
dm{fH$ [anmoQ>
141
2010-11
dm{fH$ [anmoQ>
2010-11
{ddaU 32
gy_ ~r_m Ho$ AVJV Z`m `mnma (OrdZ ~r_m) - 2010-11

(r{_`_ ` bmIm| _|)
~r_mH$Vm
`{$JV
nm{bgr
r{_`_
`moOZm
Jwn
~r{_V {H$ò Jò OrdZ
r{_`_
11222
58.87
896377
1118.30
~OmO A{b`mO
^maVr Egm
290395
186.00
Ho$Zam EMEg~rgr
S>rEbE\$ m_o[aH$m
10010
1.00
`yMa OZabr
EMS>rE\$gr Q>S>S>
324889
256.08
AmBS>r~rAmB \o$S>b
05
648835
178.41
BpS>`m \$Q>
AmBEZOr d`m
H$moQ>H$ _hom
_g `y `mH$
3501
4.21
1483
12.24
69
Eg~rAmB bmB\$
12
70683
78.23
lram_
357563
343.20
Q>ma `y{Z`Z X>mBMr
68243
217.69
{ZOr Hw$b
699733
735.09
23
1983537
1719.14
EbAmBgr
2951235
12305.76
5446
13275464
13803.67
CmoJ Hw$b
3650968
13040.85
5469
15259001
15522.81
EJmoZ aobrJoà
A{ddm
{~abm gZbmB\$
AmBgrAmBgrAmB w.
_oQ> bmB\$
arbm`g
ghmam
Q>mQ>m EAmBOr
{Q>nUr: Zò `dgm` H$m r{_`_ W_ df H$m r{_`_ VWm EH$b r{_`_ H$mo {_bmH$a
142
143
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
A{ddm
~OmO A{b`mO
^maVr Egm
{~abm gZbmB\$
Ho$Zam EMEg~rgr
S>rEbEn nm_o[aH$m
`yMa OZabr
0
(0.00)
0
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0
(0.00)
0
(0.00)
1433
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
2210
(0.00)
0
(0.00)
21
(0.00)
11
(0.00)
0
(0.00)
0
(0.00)
0.00
(0.00)
0
(0.00)
0.00
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0
(0.00)
0
(0.00)
0.00
(0.00)
0.00
(0.00)
141.26
1433 141.26
(0.00) (100.00) (100.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
316.51
2210 316.51
(0.00) (100.00) (100.00)
0.00
(0.00)
3.18
21
3.18
(0.00) (100.00) (100.00)
2.30
11
2.30
(0.00) (100.00) (100.00)
0.00
(0.00)
BpS>`m \$Q>
0
(0.00)
AmBS>r~rAmB \o$S>b
AmBgrAmBgrAmB w.
0
(0.00)
EMS>rE\$gr Q>S>S>
0
(0.00)
0
(0.00)
0
(0.00)
1429
(99.72)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
2209
(99.96)
0
(0.00)
20
(95.24)
10
(90.91)
0
(0.00)
0.00
(0.00)
0.00
(0.00)
141.01
(99.72)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
316.44
(99.98)
0.00
(0.00)
2.98
(93.71)
2.10
(91.30)
0.00
(0.00)
0
(0.00)
0
(0.00)
2
(0.14)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
1
(0.05)
0
(0.00)
0
(0.00)
1
(9.09)
0
(0.00)
0.00
(0.00)
0.00
(0.00)
0.10
(0.07)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.07
(0.02)
0.00
(0.00)
0.00
(0.00)
0.20
(8.70)
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)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(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)
2
(0.14)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
1
(4.76)
0
(0.00)
0
(0.00)
0
(0.00)
0.00
(0.00)
0.00
(0.00)
0.15
(0.21)
0.00
(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)
1
(50.00)
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
(50.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
_hrZo
0
(0.00)
3-<6
<3
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
_hrZo
6-<12
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
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)
0
(0.00)
0
1
(0.00) (100.00)
0
(0.00)
0
(0.00)
_hrZ
>12
Hw$b
(bm^ am{e ` H$amoS> _o)

{dMmamYrZ Xmdm| H$m AbJ AbJ
_hrZo
0.20
1
(6.29) (100.00)
0.00
(0.00)
0.00
(0.00)
df Ho$ ew go
Hw$b Xmdo
Xm Xmdo
bmQ>mò Jò Xmdo
{dMmamYrZ Xmdo
nm{b{g`m|
{hV nm{b{g`m|
{hV nm{b{g`m|
{hV nm{b{g`m|
{hV nm{b{g`m|
{hV nm{b{g`m|
{hV nm{b{g`m|
{hV
H$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
EJmoZ aobrJoà
OrdZ ~r_mH$Vm
gy_ ~r_m Ho$ AVJV _`w Xmdo 2010-11 - `{$JV dJ
{ddaU 33
dm{fH$ [anmoQ>
2010-11
144
7
(0.00)
5
(0.00)
12
(0.00)
{ZOr Hw$b
EbAmBgr
CmoJ Hw$b
2.40
(0.00)
1.12
(0.00)
1.28
(0.00)
1.08
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.20
(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)
0.00
(0.00)
0.00
(0.00)
0
(0.00)
0.00
(0.00)
0
(0.00)
1
(50.00)
0
(0.00)
0
(0.00)
0.00
(0.00)
0.00
(81.82)
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)
0.00
(0.00)
513.31
4071 514.59
(0.00) (100.00) (100.00)
49.47
374
50.55
(0.00) (100.00) (100.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
11379 1702.36 11391 1704.76

(0.00)
(0.00) (100.00) (100.00)
505.23
(97.57)
41.91
(82.91)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
11283 1679.35
(99.05) (98.39)
7244 1174.12
(98.96) (98.65)
4039
(99.21)
350
(93.58)
0
(0.00)
0
(0.00)
0
(0.00)
0.35
4
0.55
4
0.55
(0.00) (100.00) (100.00) (100.00) (100.00)
0.00
(0.00)
0.01
2
0.01
(0.00) (100.00) (100.00)
0.00
(0.00)
0.00
(0.00)
0.24
16
0.24
16
0.24
(0.00) (100.00) (100.00) (100.00) (100.00)
7315 1189.05
7320 1190.17
(0.00)
(0.00) (100.00) (100.00)
4064
(0.00)
369
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
2
(0.00)
0
(0.00)
2
(0.00)
0
(0.00)
0
(0.00)
16
(0.00)
5
(0.00)
Q>mQ>m EAmBOr
0
(0.00)
Q>ma `y{Z`Z XmBMr
0
(0.00)
lram_
0
(0.00)
arbm`g
0
(0.00)
0
(0.00)
_oQ> bmB\$
Eg~rAmB bmB\$
0
(0.00)
_g `y `mH$
2
(0.00)
0
(0.00)
H$moQ>H$ _hom
ghmam
0
(0.00)
88
(0.77)
60
(0.82)
28
(0.69)
24
(6.42)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
22.42
(1.43)
13.41
(1.13)
9.01
(2.38)
8.64
(17.09)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(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)
0.00
(0.00)
20
(0.18)
16
(0.22)
4
(0.10)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
1
(50.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
3
(75.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
2.99
(0.18)
19
(95.00)
2.64
16
(0.22) (100.00)
0.35
(0.05)
0.00
(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
(18.18) (100.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
df Ho$ ew go
Hw$b Xmdo
Xm Xmdo
bmQ>mò Jò Xmdo
{dMmamYrZ Xmdo
<3
nm{b{g`m|
{hV nm{b{g`m|
{hV nm{b{g`m|
{hV nm{b{g`m|
{hV nm{b{g`m|
{hV nm{b{g`m|
{hV nm{b{g`m|
{hV
H$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
AmBEZOr d`m
OrdZ ~r_mH$Vm
gy_ ~r_m Ho$ AVJV _`w Xmdo 2010-11 - `{$JV dJ
1
(5.00)
0
(0.00)
1
(25.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
_hrZo
_hrZo
0
(0.00)
6-<12
3-<6
0
(0.00)
0
(0.00)
0
(0.00)
Hw$b
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
20
(0.00) (100.00)
0
16
(0.00) (100.00)
0
4
(0.00) (100.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
1
(0.00) (100.00)
0
(0.00)
0
(0.00)
0
(0.00)
_hrZ
>12
{dMmamYrZ Xmdm| H$m AbJ AbJ

Omar... {ddaU 33
dm{fH$ [anmoQ>
2010-11
145
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
A{ddm
~OmO A{b`mO
^maVr Egm
{~amb gZbmB\$
Ho$Zam EMEg~rgr
0
(0.00)
0
(0.00)
0
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0
(0.00)
987
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
1556
(0.00)
0
(0.00)
0
(0.00)
0.00
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0
(0.00)
0.00
(0.00)
101.25
987 101.25
(0.00) (100.00) (100.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
307.89
1556 307.89
(0.00) (100.00) (100.00)
0.00
(0.00)
BpS>`m \$Q>
0
(0.00)
AmBS>r~rAmB \o$S>b
AmBgrAmBgrAmB w.
0
(0.00)
EMS>rE\$gr Q>S>S>
`yMa OZabr
0
(0.00)
S>rEbE\$ nm_o[aH$m
0
(0.00)
0
(0.00)
918
(93.01)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
1553
(99.81)
0
(0.00)
0.00
(0.00)
79.13
(78.15)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
307.34
(99.82)
0.00
(0.00)
0
(0.00)
19
(1.93)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
3
(0.19)
0
(0.00)
0.00
(0.00)
1.71
(1.69)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.56
(0.18)
0.00
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0
(0.00)
50
(5.07)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0.00
(0.00)
0
(0.00)
20.41
50
(20.16) (100.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
df Ho$ ew go
Hw$b Xmdo
Xm Xmdo
bmQ>mò Jò Xmdo
{dMmamYrZ Xmdo
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
<3
H$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
EJmoZ aobrJoà
OrdZ ~r_mH$Vm
gy_ ~r_m Ho$ AVJV _`w Xmdo 2010-11 - Jwn dJ
0
(0.00)
(0.00)
0
0
(0.00)
0
(0.00)
0
(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
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
_hrZo
_hrZo
0
(0.00)
6-<12
3-<6
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
Hw$b
0
(0.00)
0
(0.00)
(0.00)
50
0 (100.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
_hrZo
>12
{dMmaYrZ Xmdm| H$m AbJAbJ

{ddaU 34
dm{fH$ [anmoQ>
2010-11
146
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
1
(0.00)
0
(0.00)
H$moQ>H$ _hom
_g `y `mH$
_oQ> bmB\$
arbm`g
ghmam
Eg~rAmB bmB\$
lram_
4
(0.00)
487
(0.00)
491
(0.00)
{ZOr Hw$b
EbAmBgr
CmoJ Hw$b
140.41
(0.00)
139.64
(0.00)
0.77
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.51
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.26
(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)
1275
(92.12)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
144
(81.36)
506.65
(92.33)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
16.45
(78.78)
0.00
(0.00)
0.00
(0.00)
0
(0.00)
0
(0.00)
0.00
(0.00)
0.00
(0.00)
50314 20703.03 50805 20843.44

(0.00)
(0.00) (100.00) (100.00)
45819 19606.55 46306 19746.19

(0.00)
(0.00) (100.00) (100.00)
0.00
(0.00)
0.00
(0.00)
50250 20635.69
(98.91) (99.00)
45965 19607.62
(99.26) (99.30)
4285 1028.07
(95.24) (93.69)
0
(0.00)
0
(0.00)
118.50
395 118.50
395 118.50
(0.00) (100.00) (100.00) (100.00) (100.00)
548.22
1384 548.73
(0.00) (100.00) (100.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
20.62
177
20.88
(0.00) (100.00) (100.00)
4495 1096.48
4499 1097.25
(0.00)
(0.00) (100.00) (100.00)
0
(0.00)
0
(0.00)
395
(0.00)
1383
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
174
(0.00)
0
(0.00)
Q>mQ>m EAmBOr
0
(0.00)
Q>ma `y{Z`Z XmBMr
3
(0.00)
128
(0.25)
0
(0.00)
128
(2.85)
0
(0.00)
0
(0.00)
0
(0.00)
105
(7.59)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
1
(0.56)
42.90
(0.21)
0.00
(0.00)
42.90
(3.91)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
40.53
(7.39)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.10
(0.48)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(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)
427
(0.84)
341
(0.74)
86
(1.91)
0
(0.00)
0
(0.00)
0
(0.00)
4
(0.29)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
32
(18.08)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
22
(68.75)
76
(88.37)
0
(0.00)
0
(0.00)
0
(0.00)
164.86
(0.79)
417
(97.66)
138.57
341
(0.70) (100.00)
26.29
(2.40)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
1.55
4
(0.28) (100.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
4.33
(20.74)
df Ho$ ew go
Hw$b Xmdo
Xm Xmdo
bmQ>mò Jò Xmdo
{dMmamYrZ Xmdo
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
OrdZ
{hV
<3
H$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
AmBEZOr d`m
OrdZ ~r_mH$Vm
gy_ ~r_m Ho$ AVJV _`w Xmdo 2010-11 - Jwn dJ
3
(0.70)
0
(0.00)
3
(3.49)
0
(0.00)
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
(1.41)
0
(0.00)
6
(6.98)
0
(0.00)
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
(18.75)
_hrZo
_hrZo
3
(9.38)
6-<12
3-<6
Hw$b
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
1
427
(0.23) (100.00)
0
341
(0.00) (100.00)
1
86
(1.16) (100.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
4
(0.00) (100.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
1
32
(3.13) (100.00)
_hrZo
>12
{dMmaYrZ Xmdm| H$m AbJAbJ

Omar... {ddaU 34
dm{fH$ [anmoQ>
2010-11
EJmoZ aobrJoà
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
_g `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
10
18
0
2208
0
0
0
0
1388
0
0
5
0
0
1
0
0
0
0
0
342
3972
7242
11214
0.00
2.10
2.40
0.00
316.38
0.00
0.00
0.00
0.00
136.31
0.00
0.00
0.13
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
40.95
498.27
1173.62
1671.89

nmb{g`m|
[hV
H$s g`m
am{e
2010-11
0
0
2
0
1
0
0
0
0
28
0
0
11
0
0
0
0
3
0
0
0
8
53
2
55
0.00
0.00
0.58
0.00
0.06
0.00
0.00
0.00
0.00
3.30
0.00
0.00
0.11
0.00
0.00
0.00
0.00
0.45
0.00
0.00
0.00
0.96
5.46
0.50
5.96
31 go 90 {XZ
nmb{g`m|
[hV
H$s g`m
am{e
0
0
0
0
0
0
0
0
0
12
0
0
0
0
0
0
0
1
0
0
0
0
13
0
13
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
1.30
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.10
0.00
0.00
0.00
0.00
1.40
0.00
1.40
91 go 180 {XZ
nmb{g`m|
[hV
H$s g`m
am{e
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
1
0
1
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.10
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.10
0.00
0.10
181 go 1 df
nmb{g`m|
[hV
H$s g`m
am{e
Ad{Y
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
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
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)
0
10
20
0
2209
0
0
0
0
1429
0
0
16
0
0
1
0
4
0
0
0
350
4039
7244
11283
0.00
2.10
2.98
0.00
316.44
0.00
0.00
0.00
0.00
141.01
0.00
0.00
0.24
0.00
0.00
0.00
0.00
0.55
0.00
0.00
0.00
41.91
505.23
1174.12
1679.35

nmb{g`m|
[hV
H$s g`m
am{e
{ddaU 35
dm{fH$ [anmoQ>
147
2010-11
EJmoZ aobrJoà
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
_g `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
1549
306.71
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
918
79.13
0
0.00
56
6.48
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
1244
493.59
313
93.90
0
0.00
0
0.00
4080
979.81
45366 19422.28
49446 20402.09

OrdZ
[hV
H$s g`m
am{e
0
3
0
0
0
0
0
0
0
0
0
0
63
0
0
0
0
0
24
82
0
0
172
599
771
0.00
0.48
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
6.86
0.00
0.00
0.00
0.00
0.00
10.20
24.60
0.00
0.00
42.14
185.34
227.48
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2.99
0.00
0.00
0.00
0.00
0.00
2.86
0.00
0.00
0.00
5.85
5.85
0
0
0
0
0
0
0
0
0
0
0
0
24
0
0
0
0
0
7
0
0
0
31
31
148
2
0
1
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
2
0.27
0.00
0.15
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.12
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.27
Ad{Y
91 go 180 {XZ
181 go 1 df
OrdZ
[hV
OrdZ
[hV
H$s g`m
am{e
H$s g`m
am{e
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
1 df Ho$ `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
2010-11
0
0.00
1553
307.34
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
918
79.13
0
0.00
144
16.45
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
1275
506.65
395
118.50
0
0.00
0
0.00
4285 1028.07
45965 19607.62
50250 20635.69

OrdZ
[hV
H$s g`m
am{e
{ddaU 36
dm{fH$ [anmoQ>
2010-11
dm{fH$ [anmoQ>
2010-11
{ddaU 37
~r_mH$VmZwgma gy_ ~r_m A{^H$VmAm| H$s g`m

~r_mH$Vm
1 Ab,
n[adYZ
KQ>mò Jò
2010 H$mo
2010-11
2010-11
31
_mM,
2011
EJmoZ aobrJoà
A{ddm
210
210
129
29
125
33
Ho$Zam EMEg~rgr
S>rEbE\$ m_o[aH$m
`yMa OZabr
EMS>rE\$gr Q>S>S>
AmBgrAmBgrAmB w.
14
33
47
AmBS>r~rAmB \o$S>b
BpS>`m \$Q>
AmBEZOr d`m
H$moQ>H$ _hom
_g `y `mH$
_oQ> bmB\$
arbm`g
15
15
Eg~rAmB bmB\$
lram_
Q>ma `y{Z`Z XmBMr
Q>mQ>m EAmBOr
400
68
25
443
{ZOr Hw$b
770
139
151
758
EbAmBgr
7906
2171
353
9724
CmoJ Hw$b
8676
2310
504
10482
~OmO A{b`mO
^maVr Egm
{~abm gZbmB\$
ghmam
149
150
OrdZ _Ywa
OrdZ _Jb
28-09- 2006
03-09-2009
08-08-2006
08-08-2006
08-08-2006
02-08-2006
26-06-2006
15-07-2008
03-03-2010
OZlr ~r_m `moOZm

Am_ AmX_r ~r_m `moOZm
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$Q>a
AmBEZOr gab gwaj_m
* g^r gy_ ~r_m CnmX d dh CnmX Omo{H$ 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$ò Jò &
# OZlr ~r_m `moOZm Ama Am_ AmX_r ~r_m `moOZm ^maV gaH$ma H$s `moOZm h, {OZo EbAmBgr nyao Xoe _| MbmVr h &
EbAmBgr
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$`mU `moOZm
Q>mQ>m EAmBOr bmB\$ gnyU ~r_m `moOZm
Q>mQ>m EAmBOr gw_Jb ~r_m `moOZm
ghmam gh`moJ
ghmam
Eg~rAmB bmB\$
lram_
_oQ> {ddmg
_oQ> Jm_rZ Am`
_oQ> bmB\$
15-07-2008
31-08-2007
31-08-2007
Jwn _H$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$m {ddaU*
10-08-2000
2-10-2007
17-05-2009
18-03-2007
15-05-2007
01-12-2007
01-12-2007
27-03-2002
30-11-2007
16-12-2008
30-03-2009
06-08-2002
Omar H$aZo H$s {V{W
{ddaU 38
dm{fH$ [anmoQ>
2010-11
151
1349.80
(188.64)
14870.25
(20.06)
374.78
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
2002-03
2257.83
(67.27)
16542.49
(11.25)
445.48
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
2003-04
3507.62
(55.35)
18456.45
(11.57)
515.55
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
2004-05
BgrOrgr
Q>ma hoW
Anmobmo `w{ZH$
_g ~wnm
EAmBgr
369.21
549.72
{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$b
467.65
(6453.98)
10499.02 12385.24
(17.97)
338.52
7.14
0.24
1.07
5.83
2439.41
4198.06
2498.64
2781.48
11917.59
(13.59)
71.13
77.46
70.51
78.46
28.13
141.96
2227.73
3493.05
2247.10
2524.00
10491.88
ZoeZb
`y B{S>`m
Amo[aEQ>b
`yZmBQ>oS>
gmdO{ZH$ 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 `y~rB
Eg~rAmB OZab
Eb ES> Q>r OZab
{ZOr jo
2001-02
2000-01
~r_mH$Vm
8646.57
(61.24)
25930.02
(21.51)
617.66
22.51
564.67
555.83
3827.12
5936.78
4020.78
3498.77
17283.45
(8.18)
598.20
912.23
1144.47
710.55
2989.07
1786.34
311.73
194.00
2006-07
5362.66
(52.89)
21339.10
(15.62)
577.33
3536.34
5675.54
3609.77
3154.78
15976.44
(6.87)
458.64
162.33
892.72
572.70
1582.86
1272.29
220.18
200.94
2005-06
835.11
10991.89
(27.12)
28805.60
(11.09)
668.37
168.19
2.97
4021.97
6151.97
3900.22
3739.56
17813.71
(3.07)
694.41
1946.42
1128.15
782.64
3307.12
2379.92
522.34
220.60
9.81
0.48
2007-08
833.44
12321.09
(12.09)
31428.40
(9.11)
744.68
509.86
48.14
4295.85
6455.79
4077.89
4277.77
19107.31
(7.26)
803.36
1914.88
1374.06
823.92
3402.04
2619.29
685.44
339.21
186.49
30.14
113.76
28.50
2008-09
JaOrdZ ~r_mH$VmAm| H$m gH$b `j r{_`_ (^maV VWm ^maV go ~mha)
13977.00
(13.44)
35815.85
(13.96)
813.00
961.65
114.66
0.13
1520.40
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
2009-10
6245.17
8225.51
5569.88
6376.66
26417.21
(20.96)
1143.99
1655.43
1783.18
1173.09
4251.87
2869.96
967.99
1279.91
600.16
299.10
780.89
553.90
4.90
43.02
17.24
17424.63
(24.67)
43841.84
(22.41)
885.47
1227.55
282.69
25.46
1950.05
2010-11
(` H$amoS> _o)
[ddaU 39
dm{fH$ [anmoQ>
2010-11
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 `y~rB
Eg~rAmB OZab
Eb ES> Q>r OZab
Hw$b `moJ
gH$b Hw$b
~r_mH$Vm
152
14340
27006
24006
4777
13297
3429
4254
174
2833
13
15929
28346
26381
5681
18017
5912
5585
442
3881
25
1122
93
597
3072
4842
4368
7898
16637
15363
12798
251877
386927
17162
18805
2300
455512
13957
10627
2520
71674
4081
4583
180203
129329
257598
308742
50153
146770
65225
80533
44638
43
57342
66205
54956
246
92378
104926
30457
17
42653
57079
216759
61263
544
385
1536
2489
4239
7394
14657
11511
13241
2961
2302
155496
45356
38812
47430
23897
2009-10
g_wr
2010-11
2310
2009-10
2010-11
A{
1818052
923219
1,095
24
41606
76830
16344
31933
42070
62359
171407
154496
42147
96111
107487
79303
894833
212400
174595
230338
277500
2010-11
1504699
735562
17
18451
41148
7890
20978
28992
45010
144555
137916
22975
73067
131871
62691
769137
182664
161106
207094
218273
2009-10
_moQ>a
994403
303148
60
12
5278
2349
13331
32873
14814
33970
128130
11071
17921
25428
17910
691255
171176
151603
200337
168140
2010-11
731137
233021
4919
1741
8231
26874
14951
29555
85676
8230
16422
23875
12547
498116
126541
108454
155247
107874
2009-10
dm`
737801
297652
281
1956
437
3503
723
5035
5768
30190
9577
47340
97578
32799
32682
19701
10082
440149
123405
108693
119157
88895
2010-11
A`
622522
238525
100
4334
366
4659
3488
19889
9508
42724
64252
28324
25893
25301
9689
383997
104119
107957
102102
69820
2009-10
Ja OrdZ ~r_mH$VmAm| H$s IS>mZwgma ^maV _| gH$b `j r{_`_ Am`
4257645
1742463
1724
4302
490
55390
78089
29910
60016
127991
96799
286996
425187
117309
178318
165543
114399
2515183
637666
545733
709714
622070
2010-11
Hw$b
3462045
1397700
132
31082
41693
18928
37661
91540
78485
248233
329506
85380
145784
197965
91311
2064345
523905
473671
604251
462517
2009-10
(` bmIm| _|)
[ddaU 40
dm{fH$ [anmoQ>
2010-11
153
35335
106758
36473
41045
219612
1293
4074
4684
2011
8993
11847
1597
332
301
1263
75
234
(74)
42681
121247
44827
45291
254047
1581
3075
5035
2004
11287
11314
1949
1401
967
2244
218
632
(94)
(151)
(22)
41440
295486
36629
256241
2009-10
A{
2010-11
ZmoQ>: H$mo> Ho$ {Xò Jò AmH$S>o F$Um_H$ am{e H$mo XemVo h &
ZoeZb
`y B{S>`m
Amo[aEQ>b
`yZmBQ>oS>
gmdO{ZH$ 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
Eg~rAmB OZab
EbES>Q>r OZab
Hw$b `moJ
gH$b Hw$b
~r_mH$Vm
14234
22899
22697
24521
84351
1144
1256
3882
9193
4248
5728
1223
777
525
81
90
334
(26)
(18)
(24)
28414
112764
2010-11
2009-10
_moQa
2010-11
227277
196753
231193
217301
155012
140706
175542
148316
789024 703075
63264
53713
99436
105072
78403
61245
34086
27442
143004
111243
147636
125527
43502
32489
35225
20205
23053
13527
12245
2794
32552
13428
25609
6131
10
(52)
(78)
91
23777 738039 572766
100672 1527063 1275841
13022
23766
18937
21170
76896
1045
1800
3969
6169
3228
5643
1216
301
251
13
2
145
(5)
2009-10
g_wr
88927
126900
80769
97202
393798
10429
22176
12350
6531
75166
25854
6196
16401
3879
1056
1504
181542
575340
3847
1
16
228103
773829
2009-10
133115
161242
117915
133453
545725
16313
20696
14638
9270
99415
29199
10806
15474
6518
1912
2010-11
dm`
IS>mZwgma ew r{_`_ Am` (m {H$`m)

A`
59088
110751
91038
85956
346833
5317
4917
11552
18116
27663
21088
5257
7759
1849
2793
143
1148
(65)
(7)
(33)
107498
454331
2010-11
Hw$b
2010-11
2009-10
47542 476395 381579

96361 647332 571086
82197 431490 359083
76086 464763 383819
302186 2019980 1695567
5006
87619
71486
6803 129380 139925
9974 113510
92222
16820
72669
58973
20651 285616 219282
19549 214965 188420
4730
62737
46229
2766
60636
40006
790
32912
18748
2398
19275
7524
100
33003
13605
351
31570
8364
(201)
(175)
(331)
(253)
28
89740 1143493 904453
391926 3163473 2600020
2009-10
(` bmIm| _|)
[ddaU 41
dm{fH$ [anmoQ>
2010-11
`moOZmE|
H$s g`m
`{$`mo
H$s g`m
gaH$mar `moOZmE
r{_`_
`moOZmE|
H$s g`m
ZoeZb
2
14413
200.46
17551
`y B{S>`m
7
1030
32.22
2853
Amo[aEQ>b
2
5389
176.88
24159
`yZmBQ>oS>
3
14520
174.95
NA
gmdO{ZH$ jo
14
35352
584.51
44563
am`b gwXa_
2
2774
27.38
373
{abm`g
_
_
_
NA
BH$mo Q>mo{H$`mo
5
0.30
60.17
842
Q>mQ>m EAmBOr
1
641
14.16
_
AmBgrAmBgrAmB b~mS>
7
16403
473.53
2091
~OmO AbmÒ
_
_
_
2733
Mmobm_S>b_
1
6626
85.71
895
EMS>rE\$gr BaJmo
1
179
46.61
235
`yMa OZabr
_
_
_
12232
`y{Zdgb gmonmo
_
_
_
467
lram_
_
_
_
_
^maVr Egm**
1
**
11.38
1330
Eg~rAmB OZab
_
_
_
_
ahoOm ~r`wB
_
_
_
_
Q>ma hoW
5
126933
888.68
6067
Anmobmo _w{ZH$
2
159
5.87
395
_mg ~wnm
_
_
_
NA
Hw$b `moJ
25
153715
1613.49
27660
gH$b Hw$b
39
189067
2198.00
72223
** ^maVr Egm Zo H$dS> `{$`m| H$s g`m H$mo em{_b {Zhr {H$`m `m|{H$ `h gh ~r_mH$Vm h &
NA: CnbY Zht
~r_mH$Vm
Jwn
6133
3213
2736
5429
17512
112
908
0.01
_
1424
399
125
934
312
81
_
264
_
_
140
407
1
5107
22619
`{$`mo
H$s g`m
hW B`moa|g r{_`_ Ed H$dS> `{$`m| H$s g`m -
783.18
1008.01
815.28
985.00
3591.47
38.47
149.10
94.17
_
511.68
134.15
39.54
88.75
91.58
13.20
_
36.10
_
_
31.35
132.28
0.28
1360.65
4952.12
1333
1611
585
789
4317
218
136
35
106
298
315
57
334
1
43
_
13
_
_
802
306
29
2693
7010
697.65
963.14
300.42
551.81
2513.02
113.25
68.12
22.40
40.51
296.09
165.52
22.89
184.97
5.16
10.25
_
5.30
_
_
279.66
128.06
25.18
1367.36
3880.37
(`{$`m| H$s g`m 000 _o) (r{_`_ H$amoS> _|)

A`m
`{$JV
r{_`_
nm{bgr`m|
r{_`_
H$s g`m
2010-11
[ddaU 42
dm{fH$ [anmoQ>
154
2010-11
`moOZmE|
H$s g`m
`{$`mo
H$s g`m
gaH$mar `moOZmE
r{_`_
`moOZmE|
H$s g`m
ZoeZb
2
8689
48.86
7476
`y B{S>`m
7
2133
95.27
2757
Amo[aEQ>b
2
3481
65.05
31108
`yZmBQ>oS>
3
5898
67.72
_
gmdO{ZH$ jo
14
20202
276.90
41341
am`b gwXa_
1
1093
12.57
345
{abm`g
1
11
2.12
_
BH$mo Q>mo{H$`mo
1
0.30
71.21
866
Q>mQ>m EAmBOr
1
880
14.00
_
AmBgrAmBgrAmB b~mS>
8
9803
336.42
1327
~OmO AbmÒ
_
_
_
1835
Mmobm_S>b_
2
3533
47.84
1374
EMS>rE\$gr BaJmo
2
55
31.89
290
`yMa OZabr
_
_
_
7421
`y{Zdgb gmonmo
_
_
_
445
lram_
_
_
_
_
^maVr Egm
1
**
17.63
438
Eg~rAmB OZab
_
_
_
_
ahoOm ~r`wB
_
_
_
_
Q>ma hoW
5
131747
775.51
3284
Anmobmo _w{ZM
1
27
1.33
523
_mg ~wnm
_
_
_
_
Hw$b `moJ
23
147149
1310.52
18148
gH$b Hw$b
37
167351
1587.42
59489
** ^maVr Egm Zo H$dS> `{$`m| H$s g`m H$mo em{_b {Zhr {H$`m `m|{H$ `h gh ~r_mH$Vm h &
NA: CnbY Zht
~r_mH$Vm
Jwn
155
3543.49
18223
0.25
47.95
232
1022.51
16.07
173
_
5023
124
6127
2135
490
36
_
6.55
125
29.17
60.36
358
130
162.81
825
15
327
303
104
47
297
255
3992
764
589
1444
1196
144
94.10
91.46
341
505
294.33
_
1328
72.65
0.01
2520.98
13200
17.90
807.30
3752
129.16
609.50
1552
121
642.00
3104
869
462.18
2978.27
899.19
0.13
52.68
148.09
2.39
5.67
3.00
67.65
8.94
166.65
226.00
29.42
18.02
75.56
95.00
2079.08
390.39
296.79
815.20
576.70
(`{$`m| H$s g`m 000 _o) (r{_`_ H$amoS> _|)

A`m
`{$JV
r{_`_
nm{bgr`m|
r{_`_
H$s g`m
2009-10
4792
`{$`mo
H$s g`m
hW B`moa|g r{_`_ Ed H$dS> `{$`m| H$s g`m -
Omar... [ddaU 42
dm{fH$ [anmoQ>
2010-11
504
56
1732
724
15
A{
g_w{ (_mb)
g_w{ (noQ>m)
156
220
6507
2863
250
301
3211
75
0
1042
19781
248
2465
5312
404
3714
53889 14697
dmhZ VVr` nj
Xm{`d ~r_m
`{$JV XwKQ>Zm
d`m ~r_m
{dXoer d`m ~r_m
Hw$b
{ddX
\$gb ~r_m
4694
19316
dmhZ H$s j{V
177
582
979
693
3685
494
177
18
140
2849
149
34
725
182
34
342
1069
73
16
61
164
6200
1363
505
33
488
660
591
1637
12
12
895
794
22
252
1725
583
43
3990
4640
65
243
357
nm{bgr
8670
676
10
28
2275
229
395
969
1821
1258
112
531
1029
r{_`_
Xbmb
4184 12718
372
1931
217
145
225
746
32
10
494
{ZJ{_V A{^H$Vm
~H$
A`
nm{bgr r{_`_ nm{bgr r{_`_
A{^`{H$s
1242
`{$JV
A{^H$Vm
nm{bgr r{_`_
Mb Ho$ H$ma
1368
216
25
53
47
240
593
181
97
29
370
684
2697
1481
1956
1224
45
7121
2214
188
4034
288
228
1557
3380
(117)
757
409
1477
592 25841 15212
46
51
10
122
273 10126
17
54
1136
50
89
10
343
20
341
253
12
14
367
51
1384
4005
1816
999
1544
4637
5978
348
1175
930
6139
9054
625
2382
4583
1960
335
903 107659 47012
84
17
345 10459 10858
20
12
61 32757
54 40249 12036
60
51
22
176
(nmbgr`m| H$s g`m 000 _o) (r{_`_ H$amoS> _|)

ao\$ab
`j
A`
Hw$b
`dWm
{dH$`
nm{bgr r{_`_ nm{bgr r{_`_ nm{bgr r{_`_ nm{bgr r{_`_
MZbdma gH$b grYm r{_`_ Am` - 2010-11
[ddaU 43
dm{fH$ [anmoQ>
2010-11
157
9142.97
13.12
634.03
248.97
753.69
777.24
11138.17
6355.57
197.50
275.46
292.06
7780.28
1182.70
4198.18
43564.39
5.94
24.95
0.65
10.90
953.51
2598.84
3272.96
17.51
16300.34
22.88
5714.84
748.39
9055.84
20.16
1209.92
38.91
77.86
26894.71
0.02
904.03
154427.49
AmY Xoe
33819.95
A$UmMb Xoe
72.94
Ag_
3302.29
{~hma
1769.75
N>mrgJT>
3149.03
Jmodm
1814.35
JwOamV
42842.86
h[a`mUm
19779.19
{h_mMb Xoe
3206.47
O_y Ama H$_ra
1986.86
PmaIS>
1498.93
H$ZmQ>H$
22999.85
Ho$abm
8433.36
_` Xoe
7360.15
_hmam>m
148751.41
_{Unwa
31.89
_oKmb`
256.92
{_Omoa_
60.19
ZmJmbS>
57.00
CS>rgm
5535.44
nOm~
12912.44
amOWmZ
8790.25
{g[$_
92.02
V{_bZmSw>
37550.95
rnwam
166.41
Cma Xoe
16385.52
CmamIS>
3568.28
n{_ ~Jmb
25132.06
AS>_mZ VWm {ZH$mo~ma rng_yh 198.34
MS>rJT>
3259.65
XmXa VWm ZJa hdobr
171.30
X_Z Ama Xrd
238.15
{Xr
47771.85
bjrn
0.00
nwSw>Moar
780.50
Hw$b
463746.53
Q>rnr - Vrgam nj; AmoS>r - d` H$s j{V
g_w{
_mb
A{
am`/Ho$
em{gV Xoe
_moQ>a
AmoS>r
_moQ>a
Q>rnr
2796.76 24931.03 80965.51 43454.36

0.00
10.62
448.12
174.68
107.95
1738.57 16514.68
9726.15
3.64
587.24 19915.74 10266.68
0.00
2009.47 18073.82
9228.60
1319.64
420.92
8546.63
4684.79
6135.26 11095.25 89614.85 41705.24
2901.24
6824.20 50687.74 18005.59
0.38
218.29
7577.63
4779.70
0.11
538.08
8964.77
6113.34
0.21
1018.23 14178.02
6574.20
847.19
7680.88 85808.82 47094.76
790.10
1418.02 64109.94 43938.87
1.37
2233.63 43276.84 26221.14
75929.63 55149.03 188253.20 88139.40
0.00
21.08
532.52
262.02
0.00
104.41
1463.70
905.56
0.00
17.61
539.60
367.44
0.00
9.57
647.64
262.53
75.79
3316.97 24584.50 14220.73
788.48
3700.51 42417.18 20347.98
6.27
1913.03 55985.81 32835.30
0.00
54.47
672.99
478.03
5034.78 19312.72 110474.89 72387.24
17.00
87.49
1357.97
1197.39
306.47
6390.10 82955.13 45016.25
5.15
627.65 10562.26
6969.79
629.29 12151.77 55116.39 29930.78
69.94
6.04
341.69
318.37
3.29
986.65 17626.01
6548.74
0.00
20.12
186.90
146.37
0.00
103.84
127.11
92.51
2123.76 26180.12 88835.27 29062.18
0.00
0.00
0.31
1.95
2.12
324.01
2819.92
1601.63
99895.82 191201.61 1194184.11 623060.30
g_w{ A{^`{H$m
(noQ>m)
`{$JV
XwKQ>Zm
5150.67
8337.07
3.47
4.24
284.79
651.46
204.21
617.13
757.57
1051.29
223.64
300.59
6111.54
9784.76
2289.59
4066.33
188.75
174.80
140.34
467.51
241.57
938.68
10458.69
7992.24
1151.76
3160.90
841.45
1592.05
35882.31 36211.85
15.60
3.07
11.82
21.49
4.46
4.61
8.73
2.64
459.88
1338.58
567.48
1527.51
924.43
2859.49
12.83
12.48
7016.22 12624.50
26.16
98.12
1897.35
4675.67
287.28
423.03
4401.64
3990.70
1.76
3.54
358.03
629.61
85.67
16.28
32.87
18.16
12778.79 13768.57
0.00
3.00
148.35
101.77
92969.70 117473.72
Xm{`d
105002.58
3.62
2399.98
11680.79
1397.57
1861.69
69325.21
43325.56
1859.40
467.17
2580.25
94636.13
24018.49
9493.17
326795.70
7.05
66.22
285.84
236.80
4645.95
8135.14
9525.56
38.16
138391.73
765.44
49743.55
2366.75
56218.81
16.63
6246.82
137.92
228.53
113477.48
0.23
648.00
1086029.90
dmW`
am`mZwgma 2010-11 Ho$ {bò ew r{_`_ Am`

\$gb
~r_m
{d{dX
Hw$b
2472.01 25909.61 22290.71 364273.22

0.03
0.00
67.38
798.21
23.73
296.37
2107.61 37787.59
19.03 26769.58 19392.01 91474.78
29.53
3146.12
6939.98 46536.67
102.60
3.40
494.04 20549.53
2013.82 12501.96 27942.22 330211.14
368.95
816.00 15991.05 171411.02
14.09
1042.34
1375.96 20635.32
22.38
11.18
2707.78 21694.98
59.60
1163.59
4667.59 33212.92
3235.64
4187.99 23742.14 316464.60
772.07
624.32 13149.72 162750.24
209.16 23525.62 13326.46 132279.22
14697.22 14490.05 127541.20 1155405.39
0.14
3.40
69.43
952.14
2.40
48.33
250.68
3156.48
0.00
0.00
57.55
1337.94
0.16
0.00
86.88
1322.86
56.80
6602.61
4661.57 66452.32
589.16
0.00
9754.53 103339.25
277.06 44448.79 27625.78 188464.74
1.11
0.03
99.18
1478.82
2947.28
9617.62 34344.52 466002.78
1.42
5.08
314.67
4060.04
415.38
9775.20 25760.42 249035.87
44.67
929.06 10759.91 37292.21
997.19 10108.28 16615.90 224348.64
0.00
0.63
31.30
1008.40
465.01
0.00
4374.58 41708.31
0.39
0.00
30.44
834.29
0.00
0.00
27.25
946.28
3655.60
0.00 40649.67 405197.99
0.00
0.00
0.04
5.56
33.88
15.71
274.31
7654.23
33527.50 196042.87 457524.43 4710083.98
{dXoer
dm`
(` bmIm| _o)
ddaU 44
dm{fH$ [anmoQ>
2010-11
dm{fH$ [anmoQ>
2010-11
[ddaU 45
2010-11
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$db
65.39
79.18
25.06
98.88
70.15
37.50
90.63
88.24
Xoe _|
158
159
14234 227277 133115
24521 175542 133453
84351 789024 545725 346833 2019980 1695566 223211
42681
45291
254047
`wZmBQ>oS
Hw$b
85956 464763 383819
59088 476395 381579

31138
24176
40670
ZoeZb
91038 431490 359083
22697 155012 117915
44827
Amo[aEQ>b
40781 438564 332924
26467 462328 324536
61426 406536 326018
78355 876628 580182 201538 1959914 1496723
21712 191646 153287
11266 259953 140465
19612 163732 121096
2009-10
72864 652487 513245
CnJV Xmdo (ew)

_moQ>a dm` A` 2010-11
(` bmIm| _|)
25764 261297 165335
A{ g_w{
22899 231193 161242 110751 647332 571086 127227
2009-10
121247
A{ g_w{
ew A{OV r{_`_
_moQ>a dm` A` 2010-11
(` bmIm| _|)
`y B{S>`m
{ddaU
87.86
68.75
56.64
90.73
104.93
92.89
88.55
79.15
86.41
112.51
111.10
109.17
114.38
105.63
113.02
106.31
114.86
105.52
102.70
102.54
58.11
47.44
44.79
67.47
65.79
97.03
94.36
97.05
94.22
100.80
CnJV Xmdm| H$m AZwnmV

A{ g_w{ _moQ>a dm` A` 2010-11
({VeV)
CJVZ Xmdm| H$m AZwnmV - gmdO{ZH$ jo Ja OrdZ ~r_mH$Vm
88.27
86.74
85.05
90.79
89.87
2009-10
{ddaU 46
dm{fH$ [anmoQ>
2010-11
3882 78403 14638 11552 113510 92222
9193 34086
4248 143004 99415 27663 285616 219282 11221
5728 147636 29199 21088 214965 188420
5035
2004
11287
11314
Q>mQ>m EAmBOr
AmBgrAmgAmB b~mS>
~OmO AbmÒ
160
81 12245
90 32552
334 25609
(26)
(18)
(24)
2244
218
632
(94)
(151)
(22)
`y{Zdgb gmonmo
lram_
^maVr Egm
ahoOm `y~rB
Eg~rAmB OZab
EbES>Q>r OZab
--
--
(331)
14
84
714
7375
9695
168
178
49
241 23061
8 25396
189
520 19775
21
--
2810
2243
5710
633 35756 11057
739 37314
36
301
124
245
564
183
769 27596
73 25508
1052 14216
14.37
--
45
(56)
(7)
51.46
85.77
88.90
99.10
82.12
(26)
(1)
(13)
72.27
8.79
87.60
71.45
68.25
65.66
93.70
184
(229)
510
90.05
78.02
85.15
75.35
(191)
67.02
50.88
37.67
57.27
56.89
36.80
48.77
57.42
31.83
56.12
49.76
(109)
69.83
76.41
90.23
98.95
74.49
73.59
88.85
67.21
79.45
84.74
71.21
2009-10
86.90
869
(223)
(104)
80.79
--
--
(14)
87.41 103.05
77.29
73.75
84.78
87.79
77.43
79.14
95.61
74.74
87.26
71.75 102.90
33.61
1 (4317)
73.05
0.00
79.17 117.34
85.78
81.41 101.51
60.41
56.40
92.41
53.11
87.76 102.91
83.51 101.59
98.93
46.20 233.56
86.69
97.83
62.42
54.76
8619 112.87
9500
5749
1059 27902 16915
4414 53230 39586
1935 48578 34434
3231 131245 19172 10284 170127 138657
86.33
62.94 102.04 123.65
63.89
99.41 111.17 104.45
65.61
75.16
28
(253)
(175)
8364
5767 54311 39637
96.39
57.26
31.01
41440 28414 738039 228103 107498 1143493 904453 31147 23332 691523 194233 53496 993731 730725
(33)
(7)
(65)
1148 31570
31
1037
4923
6483 99046 73267
4722 149367 91871 15884 273064 194838
7677 34629
3841 68805 15065
3528 133138 118569
1787 66022 50907
2009-10
CnJV Xmdm| H$m AZwnmV

A{ g_w{ _moQ>a dm` A` 2010-11
({VeV)
(60)
16
7524
143 33003 13605
2793 19275
838
1370
1217
6195
1315
8395
791 101467 25591
731 54618
CnJV Xmdo (ew)

_moQ>a dm` A` 2010-11
(` bmIm| _|)
--
91
(78)
3847
1912
1849 32912 18748
7759 60636 40006
5257 62737 46229
Hw$b
525 23053
967
`yMa OZabr
10
777 35225 15474
1401
EMS>rE\$gr BaJmo
6518
1223 43502 10806
1949
Mmobm_S>b_
9270 18116 72669 58973
4853
1761
BH$mo Q>mo{H$`mo
4917 129380 139925
1256 99436 20696
3075
490
[abm`g
5317 87619 71486
A{ g_w{
1144 63264 16313
2010-11 2009-10
1581
A{ g_w{
ew r{_`_
_moQ>a dm` A`
(` bmIm| _|)
am`b gwXa_
{ddaU
CJVZ Xmdm| H$m AZwnmV - {ZOr jo Ja OrdZ ~r_mH$Vm
[ddaU 47
dm{fH$ [anmoQ>
2010-11
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
Eg~rAmB OZab
ahoOm `y~rB
Q>ma hoW
Anmobmo _w{ZH$
_g ~wnm
{ZOr Hw$b
Hw$b
~r_mH$Vm
164.38 111.12
58.32
28.84
118.30
76.15
157.46 184.54
498.46 400.65
29.52
19.08
_
_
46.60
58.34
10.68
3.29
381.54 379.71
_
_
63.74
43.77
11.49
12.69
_
_
_
_
_
_
7.97
3.95
_
_
_
_
646.84 642.21
2.77
0.83
_
_
1201.15 1163.85
1699.61 1564.50
A`
25.77
42.98
33.49
62.78
165.02
5.51
1.67
20.85
0.04
262.41
_
15.31
14.02
_
_
_
1.53
_
_
475.62
0.04
_
797.00
962.02
A`
96
93
90
119
98
43
138
87
29
47
55
82
20
_
151
_
607
_
_
61
46
58
64
89
`{$JV
ew CnJV Xmdo CnJV Xmdm
r{_`_ (ew)H$m AZwnmV
129 467.98 449.26

139 662.92 616.02
143 350.31 316.34
141 307.91 366.41
138 1789.12 1748.03
26
0.74
0.32
116
72.88 100.88
130
14.29
12.42
_
27.00
7.88
100 200.00
93.82
98 172.61
95.50
130
4.44
3.63
140
6.83
1.35
115
_
_
112
3.65
5.53
_
_
105
0.72
4.36
_
_
_
_
_
_
152.63
77.25
47.26
116
22.07
10.15
_
0.00
0.00
111 602.47 383.10
131 2391.59 2131.13
Jwn
r{_`_ (ew) H$m AZwnmV
2009-10
64 381.00 490.08
93 560.00 776.00
77 507.92 725.64
103 603.16 849.65
87 2052.08 2841.37
64
27.18
7.19
79 122.83 142.49
68
76.93 100.35
3
_
_
98 285.18 286.26
_
85.93
83.81
92
11.70
15.17
54 125.68 175.93
_
31.32
36.15
_
8.57
9.59
_
_
_
28.96
9.02
9.47
_
_
_
_
_
_
90.27
6.27
9.57
12
40.36
46.81
_
_
_
90 830.97 922.79
89 2883.05 3764.16

gaH$mar `moOZmE|
96
40.27
100
46.08
94
43.37
110
60.95
99 190.67
41
8.67
161
2.12
84
30.44
22
1.47
57 268.54
49
_
22
16.66
30
26.11
_
_
128
_
_
_
49
5.29
_
_
_
_
63 526.91
44
0.30
50
_
58 886.51
87 1077.18
`{$JV
121 572.07 549.19

109 740.68 738.16
101 442.92 414.57
117 413.64 455.12
112 2169.31 2157.04
72
99.47
40.45
123
58.13
93.62
96
17.94
15.03
_
33.62
7.40
93 195.33 111.63
89 173.09
85.50
85
14.35
3.19
88
44.31
13.24
92
_
_
103
8.06
10.34
_
_
_
83
3.71
1.83
_
_
_
_
_
_
61 161.32 101.87
93
76.16
33.18
72
8.05
4.05
94 893.55 521.33
107 3062.86 2678.36
Jwn
68 642.21 777.65
49 813.00 886.00
64 735.26 741.92
117 763.43 893.21
80 2953.90 3298.78
65
34.14
24.43
_ 120.47 148.37
125
79.72
76.22
31
_
_
100 420.01 391.40
_ 118.90 106.22
69
29.92
25.50
110
92.30
81.48
_
51.06
47.76
_
11.06
11.34
_
_
_
50
26.79
22.33
_
_
_
_
_
_
99
23.23
14.06
0.30
59.64
55.42
_
0.02
0.01
97 1067.24 1004.55
92 4021.14 4303.32

gaH$mar `moOZmE|
2010-11
(CnJV Xmdm| H$m AZwnmV {VeV _|) (` H$amoS> _o)
Xmdm ^wJVmZ Ed CnJV Xmdm| H$m AZwnmV : d` ~r_m
[ddaU 48
dm{fH$ [anmoQ>
161
2010-11
162
600263
513245
85.50%
229743
38.27%
29180
4.86%
(171905)
-30.10%
214082
(6249)
35927
4540
40467
719223
652487
90.72%
259190
36.04%
71891
10.00%
(264344)
-40.84%
235151
(11943)
(41137)
(1019)
(42156)
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^
Am`H$a H$Q>m hAm

H$a Ho$ {bò moV Ed mdYmZ
H$a Ho$ ~mX ew bm^
2009-10
`y B{S>`m
2010-11
{ddaU
5462
(12579)
18041
(725)
179656
(160891)
-37.29%
29668
6.43%
185844
40.30%
406536
88.16%
461158
2010-11
(4425)
(13249)
8823
(1983)
116944
(106138)
-29.56%
37170
9.38%
139202
35.13%
326018
82.28%
396253
2009-10
Amo[aEQ>b
7489
(51)
7540
(18381)
182142
(156222)
-32.79%
62576
11.61%
170289
31.60%
462328
85.78%
538971
2010-11
ZoeZb
22486
(4373)
26859
(20010)
134845
(87976)
-23.06%
16187
4.07%
145019
36.46%
324536
81.59%
397765
2009-10
13054
(28)
13083
(695)
187271
(173493)
-37.33%
46931
9.17%
199692
39.03%
438564
85.71%
511694
2010-11
70779
(11505)
82284
1526
168857
(88099)
-22.95%
35196
8.40%
138994
33.17%
332924
79.45%
419016
2009-10
`wZmBQ>oS>
~r_m boIZ AZw^d Ed gmdO{ZH$ jo H$s H$n{Z`m| H$m bm^
(16151)
(13678)
(2473)
(31744)
784220
(754950)
-37.37%
211066
9.46%
815015
36.53%
1959914
87.85%
2231046
2010-11
Hw$b
129307
(24587)
153894
(26715)
634727
(454118)
-26.78%
117733
6.49%
652958
36.01%
1496723
82.54%
1813297
2009-10
(` bmIm| _o)
[ddaU 49
dm{fH$ [anmoQ>
2010-11
163
66022
68.59%
32553
33.82%
8630
8.97%

16085
6.96%
68648
29.71%
3097
(304)
3401
18
9278
4327
(1864)
6191
1984
28017
(5894) (23810)
-8.25% -11.08%
3974
5.27%
26474
35.08%
Q>mQ>m EAmBOr
{abm`g
BH$mo Q>mo{H$`mo AmBgrAmBgrAmB b~mS>
14884
17.00%
31321
35.77%
54311
62.03%
87553
42480
36.79%
(973) (13900)
-1.68% -12.04%
27244
46.97%
2947
2.06%
44583
31.21%
39637 133138 118569

68.34% 115.29% 82.99%
11719
9.36%
33375
26.65%
99046
79.09%
58000 115480 142872 125229
12083
(5898)
17980
2909
23336
(458)
1647
(2105)
(583)
11441
(1856)
17118
(184)
670 (31160)
191
478 (30976)
(1133)
9520
(5043)
4012
(9055)
(1140)
15313
(3270)
1667
(4937)
99
13875
(8265) (12963) (7908) (46238) (23228) (18911)

-4.39% -17.84% -13.41% -35.74% -16.60% -16.66%
8747
4.44%
58028
29.43%
50907 170127 138657

67.46% 73.63% 70.32%
75460 231050 197167
(2014)
(526)
Am`H$a H$Q>m hAm

H$a Ho$ ~mX ew bm^
(1488)
18
A` Amb` KQ>mò:
A` Xygao IM
H$a go nyd bm^
9450
gH$b {Zdoe Am`
(10955)
-12.50%
96250
ew r{_`_
~r_m bm^/hm{Z
~OmO A{b`mO
Mmobm_S>b_
EMS>rE\$gr BaJmo
(` bmIm| _o)
17702
5.84%
62549
20.62%
12126
5.24%
57619
24.90%
9949
13.69%
23132
31.83%
48578
66.83%
72686
58868
19056 14535
24.58% 24.69%
53230 39586
68.67% 67.25%
77514
5235 16878 18863

10.17% 21.77% 32.04%
17250
33.52%
34434
66.91%
51463
2538
(1323)
3861
360
11991
(8034)
200
(8234)
1753
40009
14393
(1438)
15831
2552
46454
(2293)
(34)
(2259)
93
6622
236
51
185
314
5326
(3643)
(3643)
(197)
8204
(9430)
16
(9446)
(117)
4787
(8490) (49997) (33175) (8974) (5455) (11650) (14116)

-9.21% -17.50% -15.13% -14.30% -11.80% -12.34% -18.16%
6861
6.92%
27446
27.70%
73267 273064 194838

73.94% 90.03% 84.20%
99083 303318 231409
2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10
am`b gwXa_
~r_m boIZ AZw^d Ed {ZOr jo H$s H$n{Z`m| H$m bm^
[ddaU 50
dm{fH$ [anmoQ>
2010-11
164
(12983)
-39.45%
~r_m bm^/hm{Z
(8952)
(8952)
(8970)
(8970)
(118)
1863
(10716)
-57.16%
5900
23.94%
12548
50.91%
16915
68.63%
24647
2009-10
(5125)
(73)
(5051)
(351)
2656
(7357)
-38.17%
3291
14.58%
12416
55.02%
14216
63.00%
22566
(5207)
146
(5353)
(163)
2064
(7254)
-96.41%
7293
49.22%
9029
60.93%
5749
38.80%
14817
2009-10
`w{Zdgb gmonmo
2010-11
H$a Ho$ ~mX ew bm^
Am`H$a H$Q>m hAm

H$a go nyd bm^
54
7484
18.53%

A` Amb` KQ>mò:
A` Xygao IM
17992
44.54%
3977
27902
69.07%
gH$b {Zdoe Am`
40395
ew r{_`_
2010-11
`yMa OZabr
1255
(571)
1826
172
3493
(1840)
-5.58%
11685
26.15%
9335
20.89%
25508
57.08%
44688
2010-11
1587
(887)
2474
248
1582
644
2.06%
8815
39.32%
3461
15.44%
9500
42.37%
22420
2009-10
lram_
(17035)
(5)
(17030)
759
2328
(20117)
-36.33%
11897
27.37%
24091
55.42%
27596
63.49%
43468
2010-11
(5)
2010-11
(14230)
(4)
(14226)
(317)
909
(727)
(727)
(141)
1237
(14819)
(1823)
-177.17% 1040.02%
10305
171
55.20% -3583.13%
14564
1465
78.01% -30774.37%
1390
122.26%
7221
635.16%
564
49.63%
1137
2010-11
Eg~rAmB
878
96.89%
6073
670.55%
245
27.01%
906
2010-11
EbES>Q>r
(579)
(579)
(13)
1006
(2682)
(2682)
251
5105
(5932)
(5932)
(74)
432
(1571)
(8039)
(6290)
474.56% 3176.18% -22335.16%
49
-17.32%
1195
-423.36%
45
-16.09%
(282)
2009-10
ahoOm `y~rB
8619
183
46.17% -3847.90%
18669
2009-10
^maVr Egm
~r_m boIZ AZw^d Ed {ZOr jo H$s H$n{Z`mo Ho$ bm^
(85743)
256
(85999)
1983
153963
(241945)
-21.16%
118742
9.41%
391707
31.03%
993731
78.73%
1262235
2010-11
(8856)
(5436)
(3420)
3399
133429
(140248)
-15.51%
90141
9.06%
313976
31.57%
730725
73.47%
994594
2009-10
Hw$b
(` bmIm| _o)
Omar... [ddaU 50
dm{fH$ [anmoQ>
2010-11
OrAmBgr
`y BpS>`m
ZoeZb
`yZmBQ>oS>
Amo[aEQ>b
gmdO{ZH$
[abm`g
am`b gwXa_
BH$mo Q>mo{H$`mo
Q>mQ>m EAmBOr
~OmO A{b`mO
AmBgrAmBgrAmB b~mS>
Q>ma hoW
Mmobm_S>b_
EMS>rE\$gr BaJmo
`y{Zdgb gmonmo
`yMa OZabr
Anmobmo _w{ZH$
lram_
^maVr Egm
ahoOm `y~rB
Eg~rAmB OZab
_g ~wnm
EbES>Q>r
{ZOr Hw$b
gH$b Hw$b
~r_mH$Vm
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)
3766.25
3098.47
1472.64
2025.37
1929.10
12291.84
386.52
211.88
412.58
354.86
579.09
818.33
101.10
179.47
171.53
109.86
69.46
35.72
99.35
65.45
59.16
60.83
31.10
0.00
3746.29
16038.12
4322.40
3322.97
1847.28
2373.68
2194.86
14061.19
634.17
358.00
492.24
517.76
967.17
1150.69
129.72
260.55
376.83
120.68
139.34
77.09
183.28
170.48
58.47
60.84
49.86
56.54
5803.71
19864.90
2285.80
1139.50
744.02
903.06
766.35
5838.73
141.09
80.71
0.00
35.72
356.10
311.60
0.00
0.00
40.23
24.04
29.16
10.01
0.00
0.00
0.00
93.31
10.50
0.00
1132.48
6971.21
2452.82
1222.61
1181.01
1228.31
967.78
7052.52
61.02
88.53
114.17
40.44
252.23
301.58
0.00
35.61
0.00
3.99
65.39
14.31
57.95
0.00
0.00
93.30
10.05
0.00
1138.59
8191.11
1200.05
714.53
419.85
850.54
424.99
3609.96
111.04
145.08
128.59
115.10
216.61
204.33
15.00
45.85
40.14
21.49
26.62
13.32
14.59
15.24
10.01
49.26
7.53
0.00
1179.78
4789.74
1566.40
1028.59
664.30
1185.09
463.05
4907.42
286.70
229.78
184.93
255.19
351.22
249.74
45.04
90.42
95.34
36.57
53.60
21.03
55.54
30.10
10.00
59.34
7.50
3.97
2066.02
6973.44
2086.43
1792.49
1209.25
1168.64
827.28
7084.09
329.49
218.76
192.92
217.58
757.84
765.96
24.97
96.89
171.30
60.34
76.38
33.01
112.14
36.94
25.19
156.69
12.52
0.00
3288.92
10373.01
2390.21
1751.62
1679.99
1569.18
1056.55
8447.55
332.89
347.75
340.41
361.55
697.65
563.48
54.90
141.34
223.41
85.30
147.51
42.77
163.86
60.78
20.27
156.40
20.08
8.01
3768.34
12215.89
6637.31
4717.07
1883.89
3728.47
2473.33
19440.06
599.51
251.79
545.41
130.66
827.46
1208.62
86.89
252.02
183.71
30.64
66.39
44.55
52.08
136.67
87.47
276.23
35.96
0.00
4816.04
24256.10
7572.73
5898.07
2739.93
4403.74
3060.97
23675.44
803.06
358.89
686.24
184.34
1571.29
2073.16
101.05
404.84
527.19
84.09
191.50
130.81
275.45
327.68
93.01
234.79
36.23
9.69
8093.31
31768.76
1505.03
388.97
640.16
578.13
310.11
3422.42
89.01
0.05
0.00
2.04
2.79
333.86
28.09
0.00
17.23
11.83
7.99
2.59
0.00
20.91
0.00
0.00
4.92
0.00
521.32
3943.74
1473.25
380.29
278.55
487.58
471.51
3091.17
19.06
0.10
0.00
3.13
12.34
255.44
0.00
34.85
0.48
0.94
4.51
10.05
44.34
21.44
0.00
0.00
8.24
0.00
414.91
3506.08
17480.88
11851.03
6369.80
9254.22
6731.16
51687.09
1656.66
908.26
1279.50
855.97
2739.89
3642.70
256.05
574.23
624.13
258.19
276.00
139.20
278.16
275.21
181.83
636.32
102.53
0.00
14684.83
66371.92
19777.80
13604.15
8391.06
11247.57
8214.72
61235.30
2136.90
1383.06
1817.99
1362.41
3851.90
4594.09
330.71
967.61
1223.25
331.57
601.85
296.06
780.43
610.49
181.75
604.67
131.95
78.21
21284.87
82520.18
31-Mar-10 31-Mar-11 31-Mar-10 31-Mar-11 31-Mar-10 31-Mar-11 31-Mar-10 31-Mar-11 31-Mar-10 31-Mar-11 31-Mar-10 31-Mar-11 31-Mar-10 31-Mar-11
gr.Or. r{V^y{V`m
Ja OrdZ ~r_mH$Vm H$s gn{m`m| H$m ~YZ
{ddaU 51
dm{fH$ [anmoQ>
165
2010-11
2010-11
dm{fH$ [anmoQ>
[ddaU 52
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 OZab
EbES>Q>r OZab
{ZOr Hw$b
`yZmBQ>oS> BpS>`m
`y BpS>`m
Amo[a`Q>b
ZoeZb
gmdO{ZH$ Hw$b
Hw$b Ja OrdZ
BgrOrgr
EAmBgr
Q>ma hoW
Anmobmo _w{ZH$
_g ~wnm
OrAmBgr
Hw$b `moJ Ja ~r_m
31 _mM, 2010 2010-11 31 _mM, 2011

H$mo
_o S>mbm J`m
>H$mo
{dXoer
_moQ>a
^maVr`
_moQ>a
E\$.S>r.AmB
(%)
210.00
40.00
250.00
65.00
185.00
26.00
115.22
1.45
116.67
0.00
116.67
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
65.00
365.00
94.90
270.10
26.00
403.63
0.93
404.57
104.54
300.02
25.84
415.00
71.00
486.00
126.36
359.64
26.00
266.96
0.00
266.96
69.41
197.55
26.00
280.00
195.00
475.00
121.13
353.88
25.50
150.00
0.00
150.00
39.00
111.00
26.00
200.00
222.27
422.27
93.84
328.43
22.22
105.00
0.00
105.00
27.30
77.70
26.00
207.00
0.00
207.00
53.82
153.18
26.00
150.00
0.00
150.00
39.00
111.00
26.00
0.00
200.00
200.00
0.00
200.00
0.00
3160.04
795.66
3955.70
927.18
3028.52
23.44
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
3710.04
795.66
4505.70
927.18
3578.52
20.58
900.00
0.00
900.00
0.00
900.00
0.00
200.00
0.00
200.00
0.00
200.00
0.00
164.33
38.66
202.99
42.36
160.63
20.87
129.30
66.90
196.20
50.08
146.12
25.53
151.00
120.00
271.00
70.46
200.54
26.00
430.00
0.00
430.00
0.00
430.00
0.00
5684.67
1021.21
6705.89
1090.08
5615.80
16.26
166
dm{fH$ [anmoQ>
2010-11
[ddaU 53
Ja OrdZ ~r_mH$VmAm| H$m emoYZ AZwnmV

H$.
Z.
~r_mH$mVm
_mM,
OyZ,
{gV~a,
{Xg~a,
_mM,
2010
2010
2010
2011
2011
{ZOr ~r_mH$Vm
1
~OmO AbmÒ
1.54
1.92
1.96
2.02
1.73
^maVr Egm
Mmobm_S>b_
`yMa OZabr
EMS>rE\$gr BaJmo
AmBgrAmBgrAmB b~mS>
BH$mo Q>mo{H$`mo
EbES>Q>r OZab
ahoOm `y~rB
[abm`g OZab
am`b gwXa_
Eg~rAmB OZab
lram_
Q>mQ>m EAmBOr
`y{Zdgb gmonmo
2.38
2.43
1.62
1.69
1.70
1.76
1.78
1.75
1.64
1.61
1.54
1.68
2.05
2.12
2.06
1.49
1.75
1.71
1.95
1.71
2.07
1.78
1.66
1.63
1.56
1.76
1.63
1.61
1.53
1.23
NA
NA
NA
2.02
2.30
3.79
3.79
3.78
3.74
3.65
1.70
1.68
2.18
1.95
1.15
1.39
1.51
1.53
1.51
1.56
12.84
12.87
12.79
12.54
12.00
1.75
2.16
1.86
1.71
1.32
1.88
1.77
2.00
1.82
1.68
3.15
2.72
2.58
2.49
2.14
1.60
1.61
1.52
1.53
1.34
3.55
3.50
3.22
3.22
2.90
1.56
1.54
1.26
1.41
1.34
3.41
3.46
3.77
3.46
2.89
2.07
2.46
2.68
3.13
3.71
14.17
13.66
14.41
6.63
9.05
1.64
1.93
1.72
1.94
1.89
2.07
2.05
2.14
1.92
2.03
1.68
2.38
1.96
1.74
1.50
3.71
3.99
3.87
4.11
3.35
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
gmdO{ZH$ ~r_mH$Vm
ZoeZb
`y BpS>`m
Amo[aEQ>b
`yZmBQ>oS>
{deofk ~r_mH$Vm
EAmBgr
BgrOrgr
Anmobmo _w{ZH$
_g ~wnm
Q>ma hoW
nwZ~r_mH$Vm
OrAmBgr
167
168
29822
25764
3223
146939
127227
17780
(8900)
(8900)
(8900)
(38728)
(38728)
(38728)
(79513) (127141)
(79513) (127141)
(79513) (127141)
912945
688555
38722
185667
1267
194323
64867
652487
785803
79892
58579
647332
Hw$b
969
144225
43865
499496
609042
61075
44781
503186
{d{dY
(30572)
(30572)
(30572)
155684
10
35967
12827
106878
125112
10506
7847
106758
A{
`y BpS>`m
63
3994
14823
235
2929
10869
9672
22899
121247
40425
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$b (gr)
{ddaU
2010-11
1189
1189
1189
29645
8658
1907
19075
30834
4046
3022
23766
g_wr
(20974)
(20974)
(20974)
557796
70
51
128981
41402
387292
536822
55102
41158
440562
{d{dY
2009-10
(50358)
(50358)
(50358)
743125
73
65
173606
56137
513245
692767
69654
52028
571086
Hw$b
(2158)
(2158)
(2158)
62568
77
19872
1949
40670
60410
(2109)
(2109)
(2109)
31169
32
9298
2227
19612
29061
2667
(179)
6355
3875
(4)
22697
g_wr
9233
44827
A{
(19952)
(19952)
(19952)
499320
569
128084
24414
346254
479369
47132
(206)
68477
363966
{d{dY
2010-11
(24218)
(24218)
(24218)
593058
677
157254
28590
406536
568840
56154
(389)
81585
431490
345
345
345
45380
(17)
14415
(146)
31128
45725
4852
(88)
4488
36473
A{
Amo[aEQ>b
Hw$b
gmdO{ZH$ jo Ho$ Ja OrdZ ~r_mH$Vm: nm{bgrYmaH$ ImVm
1953
1953
1953
21007
(8)
7099
1536
12379
22960
2253
(315)
2084
18937
g_wr
(21742)
(21742)
(21742)
398673
(135)
93562
22736
282510
376931
38123
(125)
35261
303672
{d{dY
2009-10
(19443)
(19443)
(19443)
465060
(161)
115076
24127
326018
445616
45228
(528)
41834
359083
Hw$b
(` bmIm| _o)
[ddaU 54
dm{fH$ [anmoQ>
2010-11
169
11266 426885 462328
1190
5154 125167 144745
24176
1421
14424
1747 (44561) (27090)
1747 (44561) (27090)
1747 (44561) (27090)
15723
15723
15723
166
166
17672 590637 648435
15653
25544
53433
15486
22933
46668
40126
61
19419 546077 621346
55850
106
1912
91517
4854
79929
3274
Hw$b
8314
{d{dY
14234 419480 476395
g_wr
ZoeZb
42681
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$b (gr)
{ddaU
2010-11
11646
11646
11646
33825
134
12183
1220
20288
45471
4199
5937
35335
A{
{d{dY
Hw$b
39070
55241
45138
63821
20825
23141
596
8081
596
8298
7101
7101
7101
(6658)
(6658)
(6658)
12090
12090
12090
10434 434190 478449
82
4504 105190 121878
1096
4752 299497 324536
17535 427532 490538
1870
2643
13022 333221 381579
g_wr
2009-10
(8)
2341
2341
2341
53253
66
21809
240
31138
55594
Hw$b
45965
105
50465
53354
97
59041
25567
27154
601
703
(2523) (61522) (61704)
(2523) (61522) (61704)
(2523) (61522) (61704)
32699 553007 638959
36
9604 141126 172538
1347
21712 385714 438564
30176 491485 577255
2617
3037
4772
{d{dY
`yZmBQ>oS>
24521 394951 464763
g_wr
5539
45291
A{
2010-11
19975
19975
19975
33729
268
14095
(441)
19807
53704
5582
585
6491
41045
A{
gmdO{ZH$ jo Ho$ Ja OrdZ ~r_mH$Vm: nm{bgrYmaH$ ImVm
{d{dY
Hw$b
Hw$b
2009-10 2008-09
40215
4027
46763
(292)
4380
47882 242834 207902
4908
55678 290722 213361
23294 146155 126699
1931
2299
166
18301
669
10500
94483 115699 668860 526259
21454
(5381)
(5381)
(5381)
3477
3477
3477
18071 (240153) (39641))
18071 (240153) (39641)
18071 (240153) (39641)
31355 409132 474217 2793397 2160851
100
7122
2282
21852 291265 332924 1959914 1496723
25974 412609 492288 2553244 2121210
2085
296
2424
21170 321604 383819 2019980 1695567
g_wr
2009-10
(` bmIm| _o)
Omar {ddaU 54
dm{fH$ [anmoQ>
2010-11
170
52893
39508
1592
43635
455
7379
(34)
(93)
7708
35927
4540
40467
8500
1445
30523
(300)
(30761)
355
9123
713
185
10376
(41137)
(1019)
(42156)
(33)
(42123)
(30572)
1189
(20974)
(50358)
55780
40899
(38728)
(8900)
(79513)
(127141)
2009-10
`y B{S>`m
2010-11
{Zdoem| go gm`
H$) `mO, bm^me Ed {H$am`m (gH$b)
I) {Zdoem| H$s {~H$s na bm^
KQ>m`|: {Zdoem| H$s {~H$s go hm{Z
A` Am`
Hw$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`
A` IM
H$) ~r_m `mnma Ho$ Abmdm A` IM
I) JbV F$U H$s _m\$s
J) A`
Hw$b (~r)
H$a Ho$ nyd bm^
H$a Ho$ {bò mdYmZ
H$a Ho$ nmV bm^
{d{Z`moJ
A) df Ho$ XmamZ {H$ò Jò AV[a_ bm^me
Am) mV{dV AV[a_ bm^me
B) bm^me {dVaU H$a
Omo{I_ Ho$ {bE AmH$p_H$Vm
^S>ma (16~r AZygyMr)
B) {H$gr [aOd `m A` ImVo _| hVmV[aV
gm_m` [aOd _| WmZmV[aH$
nyd df Ho$ bm^-hm{Z eof H$mo {b`m J`m
eof H$mo VwbZ n _| ôOm J`m
MbZcm^/(hm{Z)
H$) A{ ~r_m
I) g_wr ~r_m
J) {d{dY ~r_m
{ddaU
3083
2379
(54)
1015
18041
(12579)
5462
(4)
804
268
1357
19056
17089
24828
(2109)
(19952)
(24218)
2010-11
(4425)
(345)
1195
8823
(13249)
(4425)
(5)
1250
295
15523
14358
(128)
(420)
10018
345
1953
(21742)
(19443)
2009-10
Amo[a`Q>b
7489
17341
4398
747
1313
12888
26859
(4373)
22486
275
318
579
3150
7540
(51)
7489
(198)
11498
1772
39747
10723
15162
11646
7101
(6658)
12090
2009-10
(420)
2673
716
10690
13663
23529
15723
1747
(44561)
(27090)
2010-11
ZoeZb
9569
3000
486
1866
479
13083
(28)
13054
98
(306)
(1178)
390
13562
34655
40221
2341
(2523)
(61522)
(61704)
54167
14200
2412
2125
1449
82284
(11505)
70779
91
36
(803)
366
83734
30190
35107
19975
(5381)
3477
18071
2009-10
`yZmBQ>oS>
2010-11
AeYmaH$ ImVm : gmdO{ZH$ jo Ho$ Jma OrdZ ~r_mH$Vm
(21983)
2379
3000
453
2576
15020
(2473)
(13678)
(16151)
416
(375)
11422
981
121187
129477
(128)
2163
12547
(22821)
(11785)
(205547)
(240153)
2010-11
97605
27098
4604
3000
23239
153894
(24587)
129307
366
288
19324
262
3310
177134
109330
104135
1394
4863
(45897)
(39641)
2009-10
Hw$b
(` bmIm| _o)
{ddaU 55
dm{fH$ [anmoQ>
2010-11
{Z{Y`m| Ho$ moV

eoà nyOr
[aOd Ed `mXm
ghr _y` n[adVZ ImVm
F$U
{X`m hAm H$a Xm{`d
Hw$b
{Z{Y`m| H$m Cn`moJ
{Zdoe
F$U
WmB gn{m`m
{X`m hAm H$a gn{m`m
dV_mZ gn{m`m
ZJX Ed A` gn{m
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\$ Zhr {H$ò Jò)
eof H$mo bm^-hm{Z ImVo _| S>mbo
Hw$b
{ddaU
171
2620322
55935
16215
9458
436519
544842
981361
948057
428039
1376096
(394735)
2847822
48566
15683
10186
530445
509425
1039870
1127836
463661
1591497
(551627)
(557398)
919534
289250
630283
362136
191508
170628
8736
27414
1540546
1031182
832781
1031182
2307194
2384355
2307194
1564174
1673201
188402
2384355
723021
691154
10000
11885
20000
20000
2011
2010
1004656
(416209)
805917
282632
523286
389708
239763
149946
9078
30999
1380788
1004656
811716
182940
10000
Amo[aEQ>b
13725
2010
2011
`y BpS>>`m
10000
2011
979860
6170
(680885)
962833
290024
672809
281948
202985
78963
8360
34237
1611977
979860
814081
963806
805516
148290
10000
2010
963806
5578
(506593)
841819
230340
611479
335226
291062
44164
10990
35977
1417854
ZoeZb
155779
(31 _mM na)
896419
471625
409793
15000
2011
896419
(679263)
971366
298237
673130
292103
193324
98780
8642
40367
2010
896090
(504934)
824887
288805
536082
319953
235577
84376
10838
45356
1344830
896090
480845
400245
15000
`yZmBQ>oS>
1526672
VwbZ-n: gmdO{ZH$ jo Ho$ Ja OrdZ ~r_mH$Vm
5291815
31780
(2469172)
4445230
1341172
3104057
1976057
1097241
878816
10186
41421
150583
7527018
5291815
3791688
1445128
55000
2011
3848720
1229815
2618904
2026249
1311244
715004
9458
47121
168268
6763793
5171746
3662251
1454495
55000
2010
5171746
5578
(1822471)
Hw$b
(` bmIm| _o)
[ddaU 56
dm{fH$ [anmoQ>
2010-11
172
g_wr
1144
3
103
1250
731
0
363
1094
156
156
156
A{
1581
327
1914
490
(186)
951
1255
659
659
659
(4536)
(4536)
(4536)
96226
29158
2268
64800
91690
(3721)
(3721)
(3721)
98575
30471
2082
66022
94854
7082
17
17
6651
136
87619
1086
1086
1086
77381
23397
3077
50907
78467
5956
1016
71486
2010-11 2009-10
127
84894
{d{dY
am`b gwXa_
r{_`_ A{OV (ew)

{Zdoem| H$mo ~oMZo/Nw>S>mZo _| bm^-hm{Z
A`
`mO, bm^me VWm {H$am`m - gH$b
Hw$b (E)
CnJV Xmdo (ew)
H$_reZ
~r_m `mnma go g~{YV MbZ
IM r{_`_ _| H$_r
gh {~_m emgZ ewH$
haOmZm H$mof
r{_`_ H$s H$_r
Xwgam| H$m {d{dY
Hw$b (~r)
MbZ bm^/hm{Z gr=(E-~r)
{d{Z`moJ
A` [aOd _| AVaU
Hw$b (gr)
{ddaU
3724
3724
3724
9798
5191
(1588)
6195
13522
1972
222
14
11314
A{
2010-11 2009-10
18890
1392
133
21453
1627
151
16721
3480
695
197923 214965 188420
{d{dY
64612
171
(535)
171
(535)
4036
57739
5195
212
145
54851
3177
160701 170127 138657
995
995
995
(4934)
(4934)
(4934)
(215)
(215)
(215)
12274
12274
12274
5341 223272 238411 197042
1682
429
3231
6336 218338 238196 209316
590
13
5728
g_wr
~OmO AbmÒ
nm{bgrYmaH$ ImVm: {ZOr jo Ho$ Ja OrdZ ~r_mH$Vm
2368
2368
2368
94
1214
33
(2468)
1315
2462
402
53
2004
A{
(1889)
(1889)
(1889)
11793
2807
0
1309
7677
9904
573
(25)
163
9193
g_wr
(5381)
(5381)
(5381)
73899
72
43
25402
5
3057
45319
68518
5955
(228)
1318
61472
{d{dY
(4902)
(4902)
(4902)
85786
72
43
29422
38
1899
54311
80884
6930
(249)
1534
72669
(1517)
(1517)
(1517)
67035
96
24
25016
34
2229
39637
65518
5531
(141)
1155
58973
2010-11 2009-10
Q>mQ>m EAmBOr
(` bmIm| _|)
{ddaU 57
dm{fH$ [anmoQ>
2010-11
173
222
222
222
1559
1559
(51)
(827)
1559
791
1761
1141
1363
3567
2009
96
445
402
10
47
1074
1256
3075
A{
(37046)
(37046)
(37046)
172424
43211
(1373)
130587
135378
(35266)
(35266)
(35266)
175574
44687
(2252)
133138
140308
10023
10
10
9481
894
129380
837
125049
[abm`g
g_wr
{d{dY 2010-11
r{_`_ A{OV (ew)

{Zdoem| H$mo ~oMZo/Nw>S>mZo _| bm^-hm{Zs
A`
Hw$b (E)
CnJV Xmdo (ew)
H$_reZ
IM r{_`_ _| H$_r
gh {~_m emgZ ewH$
haOmZm H$mof
r{_`_ H$s H$_r
Xwgam| H$m {d{dY
Hw$b (~r)
{d{Z`moJ
A` [aOd _| AVaU
Hw$b (gr)
{ddaU
(12623)
(12623)
(12623)
162860
(254)
48063
(3519)
118569
150237
8404
12
1897
139925
2009-10
(1734)
(1734)
(1734)
7306
3358
(906)
4853
5572
580
(58)
14
5035
A{
(1197)
(1197)
(1197)
5684
2285
(442)
3841
4487
569
21
14
3882
(4420)
(4420)
(4420)
119432
26221
2859
90352
115012
10173
(7)
253
104593
(7351)
(7351)
(7351)
132422
31864
1511
99046
125070
11323
(44)
282
113510
BH$mo Q>mo{H$`mo
g_wr
{d{dY 2010-11
2147
2147
2147
100713
24927
2519
73267
102860
10457
(28)
208
92222
2009-10
(2707)
(2707)
(2707)
16008
4583
204
11221
13301
548
1152
314
11287
(2220)
(2220)
(2220)
6744
185
2658
(822)
4722
4524
266
(143)
153
4248
(13136)
(13136)
(13136)
313046
60738
(4812)
257121
299911
15928
4784
9117
270081
(18063)
(18063)
(18063)
335798
185
67979
(5430)
273064
317735
16742
5793
9583
285616
A{
g_wr
{d{dY 2010-11
1515
1515
1515
251473
(985)
55514
2106
194838
252987
14325
3677
15703
219282
2009-10
(` bmIm| _o)
Omar... {ddaU 57
dm{fH$ [anmoQ>
2010-11
174
192
192
45
45
(432)
(404)
192
739
1217
45
1311
2401
1118
84
443
2356
812
1544
1223
1949
A{
(4276)
(4276)
(4276)
(4038)
(4038)
(4038)
71582
(128)
(128)
68107
23311
(178)
48578
67544
4661
138
62737
20955
658
46623
63832
4135
130
59565
Mmobm_S>b_
g_wr
{d{dY 2010-11
r{_`_ A{OV (ew)

A`
Hw$b (E)
CnJV Xmdo (ew)
H$_reZ
IM r{_`_ _| H$_r
gh ~r_m emgZ ewH$
haOmZm H$mof
r{_`_ H$s H$_r
Xwgam| H$m {d{dY
Hw$b (~r)
{d{Z`moJ
A` [aOd _| AVaU
Hw$b (gr)
{ddaU
(1569)
(1569)
(1569)
51812
128
19395
(2145)
34434
50243
3506
501
46229
2009-10
1036
1036
1036
654
1018
(1734)
1370
1690
235
38
17
1401
A{
48
48
48
800
374
(207)
633
848
67
(1)
777
(7199)
(7199)
(7199)
70831
21529
(1924)
51226
63632
4562
282
330
58458
(6115)
(6115)
(6115)
72286
22920
(3864)
53230
66170
4864
319
352
60636
EMS>rE\$gr EaJmo
g_wr
{d{dY 2010-11
(10805)
(10805)
(10805)
54121
18278
(3743)
39586
43316
2378
686
247
40006
2009-10
(1018)
(1018)
(1018)
2246
(75)
2100
(617)
838
1228
239
21
967
A{
(610)
(610)
(610)
1246
925
(199)
520
636
102
525
(8915)
(8915)
(8915)
42359
32
32
(10543)
(10543)
(10543)
45851
(75)
19325
(1333)
27902
35308
2196
192
32912
16301
(517)
26544
33444
1855
162
31420
MyMa OZabr
g_wr
{d{dY 2010-11
(9967)
(9967)
(9967)
29508
24
21
14274
(1726)
16915
19542
700
88
18748
2009-10
(` bmIm| _o)
Omar... {ddaU 57
dm{fH$ [anmoQ>
2010-11
175
(1)
22
104
189
(33)
(14)
215
2473
1037
20
558
(454)
(454)
(454)
3231
(759)
(759)
(759)
170
233
28
2175
81
2244
A{
(4948)
(4948)
(4948)
23039
27
27
(6161)
(6161)
(6161)
26828
170
11646
769
14216
20667
1263
(33)
162
19275
9239
782
12990
18091
1027
(18)
132
16950
`y{Zdgb gmonmo
g_wr
{d{dY 2010-11
r{_`_ A{OV (ew)

A`
Hw$b (E)
CnJV Xmdo (ew)
H$_reZ
IM r{_`_ _| H$_r
gh ~r_m emgZ ewH$
haOmZm H$mof
r{_`_ H$s H$_r
Xwgam| H$m {d{dY
Hw$b (~r)
{d{Z`moJ
A` [aOd _| AVaU
Hw$b (gr)
{ddaU
(6663)
(6663)
(6663)
14794
8344
685
5749
8131
596
(39)
50
7524
2009-10
197
197
197
47
53
(37)
31
244
16
10
218
A{
(3)
13
g_wr
1001
1001
1001
34966
178
7816
1504
25469
35967
2892
299
32776
lram_
{d{dY
1203
1203
1203
35021
178
7871
1464
25508
36224
2912
309
33003
1928
1928
1928
13060
4103
(642)
9500
14989
1066
319
13605
2010-11 2009-10
(1134)
(1134)
(1134)
1941
24
1716
(520)
714
807
149
26
632
A{
(272)
(272)
(272)
650
496
(87)
241
378
36
334
(16200)
(16200)
(16200)
48969
260
(428)
22274
213
26641
32769
1833
332
30604
(17606)
(17606)
(17606)
51560
267
(403)
24485
(395)
27596
33954
2018
365
31570
^maVr Egm
g_wr
{d{dY 2010-11
(14647)
(14647)
(14647)
23611
428
15604
(1040)
8619
8964
579
20
8364
2009-10
(` bmIm| _o)
Omar... {ddaU 57
dm{fH$ [anmoQ>
2010-11
176
(50)
(50)
(50)
(315)
(315)
(4)
(315)
24
(26)
(79)
236
15
20
233
(26)
(94)
A{
(1410)
(1410)
(1410)
1388
1176
39
173
(22)
(1774)
(1774)
(1774)
1648
1429
36
183
(126)
43
6
27
(175)
(55)
ahoOm `y~rB
g_wr
{d{dY 2010-11
r{_`_ A{OV (ew)

A`
Hw$b (E)
CnJV Xmdo (ew)
H$_reZ
IM r{_`_ _| H$_r
gh ~r_m emgZ ewH$
haOmZm H$mof
r{_`_ H$s H$_r
Xwgam| H$m {d{dY
Hw$b (~r)
{d{Z`moJ
A` [aOd _| AVaU
Hw$b (gr)
{ddaU
(1566)
(1566)
(1566)
1240
1195
45
(326)
(331)
2009-10
(3966)
(3966)
(3966)
3864
3788
(8)
84
(102)
49
(151)
(46)
(46)
(46)
28
28
(0)
(18)
(18)
(3704)
(3704)
(3704)
3637
3240
(82)
480
(67)
16
(84)
(7716)
(7716)
(7716)
7529
7055
(90)
564
(186)
65
(253)
Eg~rAmB OZab
A{
g_wr
{d{dY 2010-11
(873)
(873)
(873)
858
872
(28)
14
(16)
(1)
(22)
(179)
(179)
(179)
156
151
(1)
(23)
(0)
(24)
(5200)
(5200)
(5200)
70222
8008
21561
103
517
197
283
(447)
34
38
(776)
312961
976
730725
393188
(1782)
993731
(6252) (128520)
(6252) (128520)
(6252) (128520)
(40406)
(40406)
(40406)
6329 1385200 1044650
11
11
(36)
245
6109
5315
91629
8138
13420
77 1256680 1004245
54
(5)
904453
2010-11 2009-10
Hw$b
(` bmIm| _o)
28 1143493
5086
(7)
225
116
45
(4)
75
EbES>Q>r OZab
A{
g_wr
{d{dY 2010-11
Omar... {ddaU 57
dm{fH$ [anmoQ>
2010-11
177
~OmO
Abm`mO
Q>mQ>m
EAmBOr
[abm`mg
BH$mo
Q>mo{H$`mo
AmBgrAmBgrAmB
bm~mS>
Mmobm_S>b_
(` bmIm| _o)
5
3401
(304)
3097
1282
4379
5
(1488)
(526)
(2014)
4379
2365
20
3405
6
(1483)
1888
411
2179
54
748
70
267
659
157
(4536)
51645
55973
(1864)
4327
184
6191
39562
51645
(5898)
12083
280
17980
249
31
33
151
5650
270
(35)
102
18261
3964
(268)
8578
6260
152
(108)
286
6375
3724
995
(4934)
3079
2620
1647
(458)
72
(2105)
(2)
9
65
2318
659
(165)
57
(2033)
2368
(1889)
(5381)
(21589)
(52749)
(184)
(31160)
(700)
191
670
2409
3079
(1449)
(30976)
(45)
(1404)
4819
1382
(875)
412
(29527)
1559
222
(37046)
2
1178
2223
611
(177)
40
1180
2027
(485)
(3059)
(16547)
(21589)
4012
(5043)
(1415)
(9055)
(39)
(1376)
3955
1058
(165)
135
(7640)
1898
(2)
(14519)
(3)
5629
7300
741
126
7300
4033
(1323)
2538
49
3861
49
437
3910
1300
26
(1211)
(1185)
4543
1667
(3270)
52
(4937)
52
196
(4885)
2216
55
(1734)
(1197)
(4420)
11686
17450
1079
1052
17450
1765
1097
6452
5659
940
(1438)
14393
775
(1518)
(34)
(2293)
539
775
51
236
100
185
802
1179
15831
50
1090
229
(0)
535
285
194
(163)
(1600)
50
(2259)
(2259)
1733
89
(43)
45
192
(4276)
70
307
7837
8589
(956)
24
17009
511
525
479
200
(8034)
136
250
810
3899
(8234)
2704
9156
4528
(204)
248
(4335)
(2707)
(2220)
(13136)
2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10
am`b
gwXa_
MbZ bm^/(hm{Z)
H$) A{ ~r_m
I) g_wXr ~r_m
gr) {d{dY ~r_m
{Zdoem| go Am`
KQ>mò: {Zdoem| H$s {~H$s go hm{Z
A` Am`
Hw$b (E)
mdYmZ (H$a go A{V[a$)
J) A`
A` IM
I) gbH$ F$U H$s _m\$s
J) A`
Hw$b (~r)
H$a go nyd bm^
OmoS>/H$_: nyd Ad{Y
g_m`moOZ ImVm
H$a Ho$ {bò mdYmZ
H$a Ho$ nMmV bm^
{d{Z`moJ
Am) Vm{dV
B) bm^me {dVaU na
B) {H$gr [aOd `m A` ImVo _o hVmV[aV
{nN>bo df H$s AWm{JV H$a `m
Omar Omo{I_ Ho$ {bE aOd
C)[aOd V~mhr
{ddaU
[ddaU 58
dm{fH$ [anmoQ>
2010-11
178
EMS>rE\$gr EaJmo
`yMa OZabr
`y{Zdgb gmonmo
lram_
^maVr Egm
ahoOm `y~rB
Eg~rAmB EbES>Q>r
Hw$b
(` bmIm| _|)
1459
129
1284
133
(54)
(9442)
2399
174
(68)
(3611)
(1469)
(6676)
(8970)
(16715) (7284) (19436) (10466) (6676)

(20357) (16715) (28388) (19436) (11800)
16
(9430)
(3643)
8
8
(5353)
42
54
(8970)
8
8
(5051)
(100)
(5345)
1288
130
(1452)
(221)
(4989)
146
(5207)
(8952)
4
(9446)
32
(3643)
30
(5044)
1020
211
(759)
(454)
(4948)
12
(25)
(8917)
958
117
(1060)
(458)
(8448)
(73)
(5125)
20
(8952)
32
20
22
(8932)
(1018)
(610)
(8915)
1036
1067
48
(143)
(7199) (11729)
1197
2452
(571)
1255
15
1826
15
214
(390) (21358) (7127)

1197 (38392) (21358)
(887)
(5)
(4)
1587 (17035) (14230)
11
214
2474 (17030) (14226)
11
26
14
481
91
2485 (16816) (14226)
204
125
31
24
1841
106
203
516
4 (1134) (1671)
(0)
(272)
(284)
1925 (16200) (12692)
582
197
5
1001
(1499)
(2226)
(727)
16
(727)
16
(711)
1173
(110)
(315)
(50)
(1410)
(920)
(1484)
(564)
(564)
(564)
992
10
(171)
(15)
(1380)
(1099)
(3781)
(2682)
13
13
(2682)
7
(2669)
5018
22
(3966)
(46)
(3704)
(809) (3355)
(6741) (96746)
937
1052
5659
256
(5932) (85743)
610
259
831
16
3097
(5932) (85999)
16905
(1447)
6452
741
1223
1079
852
298
(2720)
(700)
(5436)
(8856)
432
50
339
(1376)
2801
(1404)
16
29184
11710
(1307)
1219
407
370 40809
12
7559
(47) (1411)
0
1702
(5917) (80005)
(873) (2918)
4849
(179) (5298) (2628)
(5200) (120302) (42625)
2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2010-11 2010-11 2009-10
MbZ bm^/(hm{Z)
H$) A{ ~r_m
I) g_wXr ~r_m
gr) {d{dY ~r_m
{Zdoem| go Am`
A` Am`
Hw$b (E)
mdYmZ (H$a go A{V[a$)
J) A`
A` IM
I) gbH$ F$U H$s _m\$s
J) A`
Hw$b (~r)
H$a go nyd bm^
OmoS>/H$_: nyd Ad{Y g_m`moOZ ImVm
H$a Ho$ {bE mdYmZ
H$a Ho$ nMmV bm^
dm`{mH$aU
A) df Ho$ XmamZ {H$ò Jò AV[a bm^me
Am) Vm{dV
B) bm^me {dVaU na
B) {H$gr [aOd `m A` ImVo _o AV[aV
C)[aOd V~mhr
{ddaU
Omar... {ddaU 58
dm{fH$ [anmoQ>
2010-11
179
361096
4050
27123
31174
58106
41094
99200
4539
13557
18096
78727
49587
29839
(110218)
128314
130055
1041
293959
113879
180080
100972
71323
29649
3785
15336
253146
79279
(51)
68307
11023
128486
44687
83799
28042
22719
5323
1189
3285
136241
40271
(362)
4133
36500
25316
83561
79279
40271
11667
114935
99818
21589
35698
52749
181809
71523
110286
82517
74275
8243
4097
(99291)
191978
57537
134441
30529
23807
6722
3887
4751
3006
3022
165666
3006
99818
(888)
89184
11522
213718
114935
29
103239
2010
[ab`mg
2011
(53820) (161449)
92333
30270
62063
38514
32096
6417
988
2933
85597
35698
1107
4591
30000
2010
Q>mQ>m EAmBOr
2011
(68026) (267171) (192987) (100444)
231041
93925
27366
66559
4175
15607
1662
330949
83561
516
25316
29839
(97)
1269
(63)
(26)
72634
90639
4379
4865
138271
21000
25000
11023
2011
2010
~OmO Ab`mO
2010
am`b gwXa_
2011
{Z{Y`m| H$m moV

eoà nyOr
[aOd Ed `mXm
eoà AmdoXZ ewH$
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
dV_mZ 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$b
{ddaU
(31 _mM na)
44166
(84467)
173293
63368
109925
88826
30290
58535
2472
2372
123789
44166
19465
24700
2011
19
628470
144315
484155
312798
273797
39001
4729
38813
466530
194399
493958
126594
367364
278282
273247
5034
4529
14334
376057
179244
11913
34023
7293
126949
40363
2010
112626
40457
2011
47432
194399
179244
(36324) (315672) (215676)
138024
52517
85507
101699
53736
47963
758
1516
81482
47432
22732
24700
2010
BH$mo Q>mo{H$`m
VwbZ-n: {ZOr jo Ho$ Ja OrdZ ~r_mH$Vm
26703
957
(73757)
91044
37183
53861
17288
16590
698
2892
96610
28045
(30607)
47086
27196
19890
16479
14807
1671
34
1403
57215
28045
112
47
26703
(99)
1336
26696
2010
(40)
26696
2011
Mmobm_S>b_
(` bmIm| _o)
{ddaU 59
dm{fH$ [anmoQ>
2010-11
180
62368
2468
6709
18209
24917
35929
28965
64894
(39977)
16715
41574
8327
10325
11876
22200
64547
45899
110446
(88246)
20357
62800
41574
62800
122361
70
61
49748
28388
(39370)
61819
21599
40221
22449
20401
2048
2152
58578
49748
(2)
39
47500
2011
29503
19436
(18921)
32961
13430
19531
14040
13087
953
2994
25994
29503
1500
28000
2010
`yMa OZabr
2250
41500
2010
3700
10400
48600
2011
EMS>rE\$gr EaJmo
{Z{Y`m| H$m moV

eoà nyOr
[aOd Ed `mXm
eoà AmdoXZ ewH$
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
dV_mZ 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
{ddaU
23387
11800
(23807)
33276
12649
20627
9469
7688
23574
6676
(11491)
19657
9204
10453
8166
6457
1709
155
82
1782
2421
25814
23574
(6)
8580
15000
2010
2347
32964
23387
(193)
8580
15000
2011
`y{Zdgb gmonmo
12952
(50727)
73066
24994
48072
22339
2533
19806
772
2092
60815
12952
2452
10500
2011
21914
13328
8587
5081
2608
2473
529
2135
25867
11697
1197
10500
2010
11697
(16834)
lram_
(31 _mM na)
55895
38392
(47014)
56471
24326
32145
9456
7335
2121
3466
61051
55895
13665
42227
2011
33408
21358
(18666)
24566
12001
12565
5900
3056
2844
3178
27538
33408
17
7500
5891
20000
2010
^maVr Egm
VwbZ-n: {ZOr jo Ho$ Ja OrdZ ~r_mH$Vm
20701
2226
88
682
233
449
770
747
22
213
18175
20701
20700
20703
1499
665
292
59
233
957
940
17
354
18186
20703
20700
2010
65310
3781
62
10123
1425
8698
10185
3049
7136
7713
53754
65310
50310
15000
2011
ahoOm `y~rB Eg~rAmB

2011
844667
108
6647
39973
402369
395570
2010
655291
182
11940
9019
333146
301004
Hw$b
2011
688032
462938
225095
17822
100709
658799
540059
970595
708697
590966
117731
15916
55483
3006
20002
6741
844667
165393
655291
87273
(1499) (1363691) (801957)
3160 2051723 1510654
941
2218 1392925
1660
1184
477
7140
3006
7621 1921427 1295569
20002
20000
2011
EbES>Q>r
(` bmIm| _o)
Omar.... {ddaU 59
dm{fH$ [anmoQ>
2010-11
dm{fH$ [anmoQ>
2010-11
{ddaU 60
dm` ~r_mH$Vm :
nm{bgrYmaH$ ImVm
(` bmIm| _|)
Q>ma hoW
Anmobmo _y{ZH$
_g ~wnm
2010-11
2009-10
2010-11
2009-10
2010-11
2009-10
83140
61043
14874
6996
807
1251
717
670
300
114
Hw$b (E)
84391
61760
15544
7296
921
CnJV Xmdo (ew)
75814
53173
9215
5974
406
H$_reZ
(883)
(1267)
1774
1056
139
9077
9311
13326
9830
12660
3855
84008
61217
24316
16860
13205
3856
383
543
(8772)
(9564)
(12284)
(3855)
383
543
(8772)
(9564)
(12284)
(3855)
383
543
(8772)
(9564)
(12284)
(3855)
{ddaU
r{_`_ A{OV (ew)
{Zdoem| H$mo ~oMZo/{d{Zdoe _| bm^-hm{Z
A`
MbZ IM ~r_m `mnma Ho$ {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)
181
dm{fH$ [anmoQ>
2010-11
{ddaU 61
dm` ~r_mH$Vm
AeYmaH$ ImVm
(` bmIm| _|)
Q>ma hoW
{ddaU
MbZ bm^/(hm{Z)
H$) A{ ~r_m
I) g_wr ~r_m
J) {d{dY ~r_m
{Zdoem| _| Am`
I) Ny>Q> r{_`_ na n[aemoYZ
I) {Zdoem| H$s {~H$s H$a bm^
A` Am`
Hw$b (E)
Anmobmo _y{ZH$
2009-10
2010-11
2009-10
2010-11
2009-10
383
383
543
543
(8772)
(8772)
(9564)
(9564)
(12284)
(12284)
(3855)
(3855)
800
498
621
82
42
(18)
169
539
13
104
596
57
84
125
13
(7844)
(8907)
(11595)
(3660)
1183
1041
mdYmZ (H$a go Abmdm)

H$) {Zodem| Ho$ _y` H$mo H$_ H$aZo Ho$ {bò
J) A`
A` IM
J) A`
Hw$b (~r)
H$a go nyd bm^
H$a Ho$ {bò mdYmZ
H$a Ho$ nmV bm^
_g ~wnm
2010-11
18
82
63
16
16
19
19
99
63
30
30
1167
428
739
1022
496
526
(7943)
1
(7944)
(8970)
0
(8970)
(11625)
0
(11625)
(3660)
0
(3660)
{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$mo {b`m J`m
739
526
(258)
(258)
(19047)
(10077)
(4296)
(636)
(258)
(258)
(26991)
(19047)
(15921)
(4296)
182
dm{fH$ [anmoQ>
2010-11
[ddaU 62
dm` ~r_mH$Vm :
VwbZ n (_mM 31 VH$)
(` bmIm| _o)
Q>ma hoW
{ddaU
eoà nyOr
eoà {Zd{Z`moJ nyOr
[aOd Ed `mXm
ghr _y` n[adVZ ImVm
{X`m hAm H$a Xm{`d
F$U
Hw$b
{Z{Y`m| H$m Cn`moJ
{Zdoe
F$U
WmB gn{m`m
{X`m hAm H$a gn{m`m
dV_mZ 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)
{ddY IM (_m\$ Zhr {H$`m Jò)
bm^ Ed hm{Z ImVm (Zm_o$ ~mH$s)
Hw$b
Anmobmo _y{ZH$
_g ~wnm
2010-11
2009-10
2010-11
2009-10
2010-11
2009-10
20299
16433
19620
12930
27100
15100
10308
13867
6708
650
374
17878
14696
23
10
691
329
38007
31279
37522
28001
27110
15107
23484
17452
25209
13431
12626
9260
6166
3901
1556
2068
2132
1261
11516
17035
5435
1099
668
1150
30599
20733
3800
2545
1447
1137
42115
37768
9235
3643
2115
2288
10418
12697
12294
5044
4088
1934
23597
15805
13176
5144
1597
63
34016
28502
25470
10188
5684
1997
8100
9266
(16235)
(6544)
(3569)
291
403
258
258
26991
19047
15921
4296
38007
31279
37522
28001
27110
15107
183
dm{fH$ [anmoQ>
2010-11
[ddaU 63
^maVr` {Z`mV F$U JmaQ>r {ZJ_ {b{_Q>oS> :

nm{bgrYmaH$ ImVm
(` bmIm| _o)
2010-11
2009-10
67486
57599
{Zdoem| H$mo ~oMZo/{d{Zdoe _| bm^ - hm{Z
346
175
A`
601
1464
13662
11753
Hw$b (E)
82096
70992
CnJV Xmdo (ew)
75744
67518
(953)
(3157)
115148
10360
(4820)
4820
Hw$b (~r)
85118
79540
A{/g_wr/{d{dY ~r_m `mnma MbZ bm^/(hm{Z)
(3023)
(8548)
(3023)
(8548)
(3023)
(8548)
{ddaU
r{_`_ A{OV (ew)
H$_reZ
MbZ IM ~r_m `mnma go g~{YV
A`-n[aemoYZ, _m\$s `m mdYmZ
{dXoer H$a
{d{Z`moJ
eoàYmaH$m| Ho$ ImVo _| WmZmVaU
AmnmVmH$mbrZ [aOd _| WmZmVaU
A` [aOd _| WmZmVaU
Hw$b (gr)
184
dm{fH$ [anmoQ>
2010-11
[ddaU 64

AeYmaH$ ImVm
(` bmIm| _|)
2010-11
2009-10
(3023)
(3023)
(8548)
(8548)
13667
346
15584
233
A` Am`
1063
158
Hw$b (E)
12054
7426
712
285
167
291
11763
3589
(393)
8566
879
6548
2756
(1581)
5373
2610
423
1075
183
5534
2
4116
2
{ddaU
MbZ bm^/(hm{Z)
H$) 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$mo {b`m J`m
185
dm{fH$ [anmoQ>
2010-11
[ddaU 65

VwbZ-n (_mM 31 VH$)
(` bmIm| _o)
2011
2010
90000
90000
108271
102738
7951
3156
{Z{Y`m| H$m moV

eoà nyOr
[aOd Ed `mXm
ghr _y` n[adVZ ImVm
27
F$U
{X`m hAm H$a Xm{`d
Hw$b
206222
195921
{Z{Y`m| H$m Cn`moJ

{Zdoe
316356
262046
WmmB gn{m`m
14319
13568
dV_mZ gn{m`m
ZJX Ed ~H$ eof
A{J_ Ed A` gn{m
87686
44383
79228
37946
Hw$b `moJ (E)
132069
117174
dV_mZ Xm{`d
mdYmZ
208767
48160
160672
38257
Hw$b `moJ - (~r)
256927
198929
(124858)
(81755)
405
2063
206222
195921
F$U

{X`m hAm H$a gn{m`m
bm^ Ed hm{Z ImVm (Zm_o ~mH$s)
Hw$b
186
dm{fH$ [anmoQ>
2010-11
[ddaU 66
^maVr` H${f ~r_m H$nZr {b{_Q>oS> :

nm{bgrYmaH$ ImVm
(` bmIm| _o)
2010-11
2010-11
127592
102252
152
107
12848
11058
140592
113417
95015
118919
(12687)
(4430)
MbZ IM ~r_m `mnma go g~{YV
4060
2024
A`-n[aemoYZ, _m\$s `m mdYmZ
2176
207
Hw$b (~r)
88564
116720
A{/g_wr/{d{dY ~r_m `mnma MbZ bm^/(hm{Z) gr=(E-~r)
52028
(3303)
52028
(3303)
52028
(3303)
{ddaU
r{_`_ A{OV (ew)
{Zdoem| H$mo ~oMZo/Nw>S>mZo _| bm^ - hm{Z
A`
Hw$b (E)
CnJV Xmdo (ew)
H$_reZ
{dXoer H$a
{d{Z`moJ
eoàYmaH$m| Ho$ ImVo _| WmZmV[aV
AmnVmH$mbrZ [aOd _| WmZmV[aV
A` [aOd _| WmZmVaU
Hw$b (gr)
187
dm{fH$ [anmoQ>
2010-11
{ddaU 67

AeYmaH$ ImVm
(` bmIm| _o)
{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$b (E)
H$) {ZXoem| Ho$ _y` H$mo H$_ H$aZo Ho$ {bò
J) A`
A` IM
J) A`
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
2010-11
2009-10
52028
52028
(3303)
(3303)
5199
61
6777
66
65
485
57353
4025
(136)
84
36
220
110
127
59
57294
19265
38030
383
3642
302
3340
2000
324
35705

188
dm{fH$ [anmoQ>
2010-11
[ddaU 68

VwbZ - n (_mM 31 VH$)
(` bmIm| _o)
2011
2010
eòa nyOr
20000
20000
[aOd Ed `mXm
92283
56578
382
618
Hw$b
112665
77196
{Z{Y`m| H$m Cn`moJ

{Zdoe
156484
144209
125
129
2349
2944
194
277
dV_mZ gn{m`m
ZJX Ed ~H$ eof
A{J_ Ed A` gn{m
162946
49535
93324
45840
Hw$b `moJ - (E)
212481
139164
dV_mZ Xm{`d
mdYmZ
190743
68224
144484
65043
Hw$b `moJ - (~r)
258967
209527
(46486)
(70363)
112665
77196
{Z{Y`m| H$m moV
ghr _y` n[adVZ ImVm

F$U
F$U
WmB gn{m`m
Xr hB H$a gn{m`m
{ddY IM (_m\$ Zhr {H$ò Jò)

Hw$b
189
190
A{
10792
27022
52885
(984)
25156
17533 (19370)
17533 (19370)
24694
17533 (19370)
24694
24694
75350 697822
4708
287742
550
20422 106754
65091
2602
54379 586361
220049
92884 678453
103
(1172)
312437
5133
OrdZ
Hw$b
90800
(2041)
43191
7882
401
401
401
23260
23260
23260
2179 1063094
22
368 192635
1789 862578
2581 1086354
102
12
48
2419 954403
2010-11
{d{dY
76856 601396
g_wr
12854
273733
{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
Hw$b (~r)
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
^maVr` gmYmaU ~r_m {ZJ_

nm{bgrYmaH$ ImVm
32771
32771
32771
237856
2519
71698
163638
270626
21973
(728)
13272
236109
A{
26312
26312
26312
63748
485
16769
46495
90060
10848
702
6553
71957
g_wr
(8246)
(8246)
(8246)
583301
4132
104345
474823
575055
47881
(37)
28921
498290
{d{dY
2009-10
485
485
485
905
10
212
683
1390
76
(20)
46
1288
OrdZ
51322
51322
51322
885809
7146
193025
685639
937131
80778
(82)
48792
807643
Hw$b
(` bmIm| _o)
{ddaU 69
dm{fH$ [anmoQ>
2010-11
dm{fH$ [anmoQ>
2010-11
[ddaU 70
^maVr` gmYmaU ~r_m {ZJ_ :

AeYmaH$ ImVm
(` bmIm| _|)
2010-11
2009-10
24694
17533
(19370)
401
23260
32771
26312
(8246)
485
51322
{Zdoemo go Am`
59639
28369
51201
30927
A` Am`
17190
22007
128458
155457
3192
3643
2273
1303
(1438)
2544
183
0
0
13
219
9523
145
23835
0
0
47
26437
H$a go nyd bm^

H$a Ho$ {bò mdYmZ
118935
15594
129020
(48440)
H$a Ho$ ~mX bm^

eof {nN>bo df go bm`m J`m
Emo{òeZ Ho$ {bE CbY bm^
103341
6
103347
177461
1
177461
20640
3428
35260
5856
79273
136339
{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)
{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
191
dm{fH$ [anmoQ>
2010-11
{ddaU 71
^maVr` gmYmaU ~r_m {ZJ_ :

VwbZ n (_mM 31 VH$)
(` bmIm| _o)
2011
2010
{Z{Y`m| H$m moV

eòa nyOr
[aOd Ed `mXm
ghr _` n[adVZ ImVm
F$U
{X`m hAm na Xm{`d
43000
939022
43000
859657
1881771
1702846
Hw$b
2863793
2605503
36669248
3357393
59539
69515
4489
4465
152
7535
475660
277311
763768
667994
Hw$b `moJ - (E)
1239428
945305
dV_mZ Xm{`d
mdYmZ
1476642
1229704
632421
549005
Hw$b `moJ - (~r)

{ddY IM (_m\$ Zht {H$ò Jò)
2109064
1778710
(869636)
(833404)
2863793
2605503
{Z{Y`m| H$m Cn`moJ

{Zdoe
F$U
WmB gn{m`m
{X`m hAm H$a gn{m`m
dV_mZ gn{m`m
ZJX Ed ~H$ eof
A{J_ Ed A` gn{m
Hw$b
192
AmY Xoe
A$UmMb Xoe
Ag_
{~hma
N>mrgJT>
Jmodm
JwOamV
h[a`mUm
{h_mMb Xoe
O_y Ama H$_ra
PmaIS>
H$ZmQ>H$
Ho$abm
_` Xoe
_hmam>
_{Unwa
_oKmb`
{_Omoa_
ZmJmbS>
CS>rgm
nOm~
amOWmZ
{g[$_
V{_bZmSw>
{nwam
Cma Xoe
CmamIS>
n{_ ~Jmb
MS>rJT>
XmXa VWm ZJa hdobr
X_Z Ama Xrd
{Xr
bjrn
nwSw>Moar
Hw$b
am`/Ho$
em{gV Xoe
91
1
34
39
13
8
52
41
17
14
23
59
51
52
126
1
2
1
1
40
87
68
1
96
4
109
9
96
0
14
0
0
64
0
5
1219
ZoeZb
79
1
23
20
11
5
64
29
8
11
22
64
58
39
153
1
3
1
2
35
52
34
1
95
1
99
16
50
1
12
1
0
45
1
4
1041
`y
BpS>`m
78
2
30
38
20
4
73
34
15
14
19
90
67
50
111
1
3
1
2
35
74
61
1
96
2
104
16
42
0
8
0
2
52
0
1
1146
Amo[a`Q>b
193
47
0
5
1436
143
1
49
30
14
8
74
48
13
13
18
101
96
54
138
1
5
1
1
31
83
88
1
190
4
96
24
50
1
7
1
`yZmBQ>oS>
3
0
0
0
0
0
1
1
0
0
0
3
2
0
10
0
0
0
0
1
1
1
0
5
0
2
0
2
0
1
0
0
6
0
0
39
Anmobmo
_w{ZM
20
0
2
4
4
3
18
4
2
2
3
16
8
7
24
0
0
0
0
6
8
6
0
26
0
9
1
14
1
1
0
0
9
0
1
199
~OmO
A{b`mO
4
0
1
0
2
1
3
2
0
0
1
5
1
2
8
0
0
0
0
1
3
2
0
4
0
4
1
2
0
1
0
0
3
0
0
51
^maVr
Egm
5
0
1
1
1
1
9
4
0
0
2
6
7
4
16
0
0
0
0
2
3
3
0
19
0
6
1
3
0
0
0
0
1
0
1
96
Mmobm_S>b_
4
0
1
2
1
1
10
5
1
1
2
4
6
4
15
0
0
0
0
2
4
6
0
7
0
11
0
4
0
1
0
0
2
0
0
94
`yMa
OZabr
6
0
1
1
1
1
5
2
0
1
2
4
8
3
11
0
0
0
0
2
4
5
0
5
0
5
1
2
0
1
0
0
6
0
1
78
10
66
8
1
315
3
3
1
3
1
2
1
4
1
3
16
1
1
8
3
16
16
14
1
21
1
30
6
16
31
3
4
7
2
25
13
2
2
4
22
15
17
36
EMS>rE\$gr AmBgrAmBgrAmB B{\$mo

EoaJmo
bmo~mS>
Q>mo{H$`m
Ja OrdZ ~r_mH$VmAm| Ho$ am`mZwgma H$m`mb`m| H$s g`m (31 _mM 2011 VH$)
{ddaU 72
dm{fH$ [anmoQ>
2010-11
AmY Xoe
A$UmMb Xoe
Ag_
{~hma
N>mrgJT>
Jmodm
JwOamV
h[a`mUm
{h_mMb Xoe
O_y Ama H$_ra
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$b
am`/Ho$
em{gV Xoe
_g
~wnm
1
1
0
0
0
0
1
0
0
2
0
0
0
0
0
1
1
0
1
0
0
0
1
0
0
0
0
2
0
0
11
Eb ES> Q>r
1
1
1
2
1
2
1
1
10
1
1
2
ahoOm
`y~rB
1
1
1
1
10
1
2
1
2
1
21
7
1
1
4
15
13
13
33
194
1
17
3
5
1
2
1
84
15
17
3
11
1
15
1
212
3
7
9
1
9
7
3
8
am`b
gwXa_
16
[ab`mg
OZabr
2
0
1
0
0
1
1
0
0
0
0
1
0
1
2
0
0
0
0
1
0
1
0
2
0
1
0
1
0
1
0
0
1
0
0
17
Eg~rAmB
OZabr
7
0
0
0
0
0
3
5
1
0
0
1
1
3
8
0
0
0
0
0
3
9
0
6
0
11
2
2
0
1
0
0
5
0
0
68
lram_
OZabr
2
299
12
10
3
26
65
11
5
11
8
5
1
2
4
22
29
14
30
2
1
4
29
Q>ma
`y{Z`Z
2
1
1
1
6
1
2
3
2
1
13
1
2
2
4
4
1
3
1
2
1
54
Q>mQ>m
EAmBOr
3
0
1
1
1
0
3
2
0
1
2
3
1
2
10
0
0
0
0
2
2
3
0
4
0
4
2
4
0
1
0
0
2
0
0
54
`y{Zdgb
gmonmo
18
1
1
1
1
1
1
1
1
1
0
1
1
1
EAmBgr
Ja OrdZ ~r_mH$VmAm| Ho$ am`mZwgma H$m`mb`m| H$s g`m (31 _mM 2011 VH$)
2
1
4
51
1
2
2
3
1
1
10
4
2
BgrOrgr
542
5
154
144
85
39
401
209
61
64
110
438
375
274
784
4
15
4
6
195
359
329
5
693
12
534
88
341
3
58
2
2
300
1
24
6,660
Hw$b
Omar... {ddaU 72
dm{fH$ [anmoQ>
2010-11
dm{fH$ [anmoQ>
2010-11
{ddaU 73
Vrgam nj emgH$ 2010-11 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$s
1 _hrZo
g`m
Ho$ AXa
{ZnQ>mò Jò Xmdo

1-3 _hrZ
3-6 _hrZ
Ho$ AXa
Ho$ AXa
6 _hrZ
go `mXm
~H$m`m
Xmdo
nmH$ _o{S>bo_ Q>rnrE mBdoQ> {b{_Q>oS>
33773
9874
(29.24)
11400
(33.75)
13208
(39.11)
nil
0.00
3889
{dnwb _oS> H$mon Q>rnrE mBdoS> {b{_Q>oS>
240582
234819
(97.60)
20121
(8.36)
2814
(1.17)
9696
(4.03)
25772
Ab{H$V hoW Ho$à Q>rnrE {b{_Q>oS>
104332
93708
15055
1663
521
9303
AmBHo$à hoW _ZoO_|Q> ES> Q>rnrE g{dgogb. {b.
16541
11525
(69.68)_
1845
(11.15)
198
(1.20)
7
(0.04)
2395
S>oS>rHo${Q>S> hoW Ho$à g{dgog, {b.
139255
92685
(66.56)
32722
(23.50)
4935
(3.54)
734
(0.53)
8179
_o{S>Ho$à Q>rnrE g{dgog (B{S>`m) mBdoQ> {b{_Q>oS>
71530
40577
(56.73)
10911
(15.25)
3172
(4.43)
963
(1.35)
5390
E_S>r B{S>`m hoWHo$à Q>rnrE g{dgog mBdoQ> {b{_Q>oS>
876693
631694
(72.05)
141432
(16.13)
38864
(4.43)
6968
(0.79)
84711
h[aQ>oO hoW Q>rnrE mBdoQ> {b{_Q>oS>
98387
53206
(54.08)
34725
(35.29)
5807
(5.90)
1259
(1.28)
8511
Oo{Zg B{S>`m Q>rnrE {b{_Q>oS>
82832
70662
(85.31)
7862
(9.49)
2409
(2.91)
388
(0.47)
8718
10
amoW>erS> hoWHo$à Q>rnrE g{dgog {b.
1332
639
(47.97)
464
(34.83)
143
(10.74)
25
(1.88)
61
11
B-_o{S>Q>oH$ Q>rnrE g{dgog {b{_Q>oS>
331278
267332
(80.70)
19906
(6.01)
10058
(3.04)
0
(0.00)
33982
12
nmaoI hoW _ZoO_|Q> (mBdoQ>) {b{_Q>oS
93141
57680
(61.93)
27569
(29.60)
2126
(2.28)
297
(0.32)
7259
13
go\$do Q>rnrE g{dgog m.{b.
10035
6631
(66.08)
1061
(10.57)
884
(8.81)
265
(2.64)
682
14
_oS> god hoW Ho$à Q>rnrE {b{_Q>oS>
105654
70039
(66.29)
29233
(27.67)
5786
(5.48)
1841
(1.74)
5399
ZmoQ>:
H$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$s h AmXoe AmBAmaS>rE & AmBAmaS>rE _m_bo bS> aho h &
195
dm{fH$ [anmoQ>
2010-11
Omar.... {ddaU 73
Vrgam nj emgH$ 2010-11 Ho$ XmamZ m Xmdm| H$s g`m d Ad{YAZwgma Xmdm| H$m {ZQ>mam
H$.
g.
Q>rnrE H$m Zm_
15
JwS> hoWbmZ {b{_Q>oS>
16
m Xmdm|
H$s
1 _hrZo
g`m
Ho$ AXa
{ZnQ>mò Jò Xmdo

1-3 _hrZ
3-6 _hrZ
Ho$ AXa
Ho$ AXa
6 _hrZ
go `mXm
~H$m`m
Xmdo
42461
10790
(25.41)
16497
(38.85)
6995
(16.47)
1835
(4.32)
6165
hoW B{S>`m Q>rnrE g{dgog {b.
147458
125941
(85.41)
26480
(17.96)
3594
(2.44)
0
(0.00)
3907
17
_o{S> A{gQ> BpS>`m Q>rnrE mBdoQ> {b{_Q>oS>
411308
344845
(83.84)
12313
(2.99)
763
(0.19)
312
(0.08)
45902
18
AZ_mob _o{S>Ho$à Q>rnrE {b{_Q>oS>
6615
3935
(59.49)
839
(12.68)
53
(0.80)
4827
(72.97)
1506
19
ajm Q>rnrE mBdoQ> {b{_Q>oS>
159758
156455
(97.93)
972
(0.61)
Nil
(0.00)
Nil
(0.000)
2331
20
\${_br hoW bmZ Q>rnrE {b{_Q>oS>.
163163
58588
(35.91)
46118
(28.26)
17329
(10.62)
6788
(4.16)
18603
21
Q>rQ>rHo$ hoWHo$à Q>rnrE g{dgog mBdoQ> {b{_Q>oS>
272223
JmS> hoW Ho$à Q>rnrE B{S>`m m.{b.
38046
(13.98)
Nil
(0.00)
6231
(2.29)
Nil
(0.00)
1544
(0.57)
Nil
(0.00)
8613
22
225040
(82.67)
Nil
(0.00)
23
nam_mCQ> hoW g{dgog mBdoQ> {b{_Q>oS>
182395
144164
(79.04)
11924
(6.54)
3372
(1.85)
909
(0.50)
20530
24
EZ`wVm _o{S>ZoQ> hoWHo$à Q>rnrE mBdoQ> {b{_Q>oS>
82
76
(92.68)
3
(3.66)
3
(3.66)
Nil
(0.00)
Nil
25
BQ>doQ> A{gQ> Q>rnrE mBdoQ> {b{_Q>oS>
49015
33870
(69.10)
9281
(18.94)
5401
(11.02)
265
(0.54)
1055
26
\$moH$g hoWHo$à mBdoQ> {b{_Q>oS>
1741
886
(50.89)
290
(16.66)
Nil
(0.00)
415
(23.84)
150
27
lr JmoHw$b_ hoW g{dgog Q>rnrE (m.) {b.
Nil
Nil
Nil
Nil
Nil
Nil
28
ny{V _oS>rQ>oH$ go`yeZg
Nil
Nil
Nil
Nil
Nil
Nil
29
`y{Zdgb _oS>r-ES> g{dgog
NA
NA
NA
NA
NA
NA
3641584 2745661
517069
135808
39859
313013
Hw$b
ZmoQ>:
Nil
Nil
H$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$s h AmXoe AmBAmaS>rE & AmBAmaS>rE _m_bo bS> aho h &
196
EoOrJmZ aobrJoà
A{ddm
~OmO A{b`mO
^maVr Egm
~rabm gZbmB\$
Ho$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
B{S>`m \$Q>
AmBEZOr d`
H$moQ>H$ _ho
EbAmBgr
_g `y `mH$
_oQ> bmB\$
[abm`mg
ghmam
Eg~rAmB bmB\$
lram_
Q>ma `y{Z`Z XmB{M
Q>mQ>m EAmBOr
Hw$b
197
23
22
21
20
19
18
17
16
15
14
13
12
11
10
~r_mH$Vm
H$.
g.
293
16
279
9656
0
12
395
28
12
540
246
5
15
525
779
29
2588
99
10
150
25
528
39
1294
72
48
22
26
0
0
533
21
799
16
267
631
23
17
54
df Ho$ XmamZ
m Xmdm|
H$s g`m
ma{^H$
eof
9797
276
16
21
284
12
541
247
523
2672
757
106
27
1342
562
63
17
24
515
277
811
654
50
df Ho$ XmamZ
{ZnQ>mò Jò
Xmdo
2010-11
97
95
100
75
95
92
97
98
100
98
94
97
100
100
99
85
77
92
93
98
100
100
93
df Ho$ XmamZo
{ZnQ>m` Jò Xmdo
H$m {VeV
254
15
14
14
66
51
11
39
df Ho$ AV _|
eof
173
14
13
13
22
38
34
56
25
11
25
19
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 2010-11
[ddaU 74
dm{fH$ [anmoQ>
2010-11
198
i)
ii)
iii)
iv)
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
{db{~V
(III)
31 _mM
2010 VH$
ZoeZb
145
`y BpS>`m
177
AmoaEQ>b
81
`yZmBQ>oS> BpS>`m
21
BgrOrgr
2
EAmBgr
1
gmdO{ZH$
427
Anmobmo _w{ZM
1
~OmO AbmÒ
24
^maVr Egm
0
Mmobm_S>b_
7
`yMa OZabr
0
EMS>rE\$ BaJmo
1
AmBgrAmBgrAmB b~mS>
16
BH$mo Q>mo{H$`mo
22
EbES>Q>r OZabr
0
_mg ~ynm
0
ahoOm `y~rB
0
[abm`g
35
am`b gwXa_
19
Eg~rAmB OZabr
0
lram_
0
Q>ma hoW
0
Q>mQ>m EAmBOr
2
`y{Zdg gmonmo
2
{ZOr Hw$b
129
gH$b Hw$b
556
nm{bgr _m_bo
{ZnQ>mam Zhr/Xmdo Ho$ {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)
683
800
605
743
9
4
2844
29
184
51
77
37
101
449
142
0
0
0
960
107
0
38
90
124
41
2430
5274
df Ho$ XmamZ
Xm{Ib
(IV))
828
977
686
764
11
5
3271
30
208
51
84
37
102
465
164
0
0
0
995
126
0
38
90
126
43
2559
5830
Hw$b {eH$m`V|
(V)=(III) + (IV)
643
593
250
598
11
5
2100
28
177
51
81
32
101
461
126
0
0
0
833
122
0
38
88
125
38
2301
4401
df Ho$ XmamZ
gwbPmò Jò
(VI)
185
384
436
166
0
0
1171
2
31
0
3
5
1
4
38
0
0
0
162
4
0
0
2
1
5
258
1429
{db{~V
(VII)
31 _mM
2011 VH$
{eH$m`Vm| H$s pW{V - Ja OrdZ ~r_mH$Vm 2010-11
32
86
84
35
0
0
237
2
13
0
0
2
0
2
14
0
0
0
44
3
0
0
1
1
3
85
322
(i)
117
170
233
86
0
0
606
0
14
0
2
2
1
2
16
0
0
0
83
1
0
0
1
0
2
124
730
(ii)
31
122
96
42
0
0
291
0
4
0
0
1
0
0
6
0
0
0
30
0
0
0
0
0
0
41
332
(iii)
5
6
23
3
0
0
37
0
0
0
1
0
0
0
2
0
0
0
5
0
0
0
0
0
0
8
45
(iv)
{eH$m`Vm| Ho$ AmYma na dJuH$aU
[ddaU 75
dm{fH$ [anmoQ>
2010-11
Amo/Eg
31-03-2010
df Ho$ XmamZ
m {H$ò
{eH$m`Vm| H$s g`m

Hw$b
Ah_Xm~mX
7
485
492
^monmb
38
210
248
^wdZoa
33
238
271
MS>rJT>
284
1268
1552
MoB
2
933
935
{Xr
244
1445
1689
JwdmhQ>r
8
280
288
hXam~mX
13
1388
1401
H$mor
36
515
551
H$mobH$mm
195
1392
1587
bIZD$
0
1448
1448
_~B
28
1415
1443
Hw$b
888
11017
11905
Amo/Eg-~H$m`m
i. {g\$m[ae/nwaH$ma
ii. dmngr/ZrnQ>mam
(E) 3 _hrZm| Ho$ AXa
iii. ImarO
(~r) 3 _hrZo go 1 gmb VH$
iv. AdrH$V
(gr) 1 gmb Oo `mXm
~r_m bmoH$nmb
Ho$
83
269
47
0
627
28
160
27
17
3
22
24
24
42
223
85
31
50
116 168
134
127
199
75
67
846 586
51
103
33
13
23
(III)
(II)
(I)
826
429
68
121
178
(IV)
7492
1334
932
931
284
1220
134
1035
Bg Vah {ZnQ>mB
J`r {eH$m`Vm| H$s g`m
9551
1401
1188
1484
441
1324
223
1378
928
626
227
121
210
Hw$b
8134
1356
1122
1007
356
1324
216
943
905
485
93
117
210
(E)
1139
45
66
227
85
427
23
138
117
(~r)
278
250
17
(gr)
928
626
227
121
210
Hw$b
9551
1401
1188
1484
441
1324
223
1378
g_` gr_m AmYm[aV {ZnQ>mam
{d{^ Ho$m| na ~r_m bmoH$nmb H$m H$m` Va

(OrdZ ~r_m)
1376
26
224
100
68
77
34
153
458
24
58
148
(E)
978
16
36
42
31
158
468
20
69
134
(~r)
(gr)
g_` ~r_m AmYm[aV ~mH$s
2354
42
260
103
110
77
65
311
926
44
127
282
Hw$b
{ddaU 76
dm{fH$ [anmoQ>
2010-11
Amo/Eg
31-03-2009
df Ho$ XmamZ
m {H$ò
{eH$m`Vm| H$s g`m

Hw$b
Ah_Xm~mX
44
1834
1878
^monmb
39
126
165
^wdZoa
26
146
172
MS>rJT>
349
814
1163
MoB
17
905
922
{Xr
295
1318
1613
JwdmhQ>r
20
213
233
hXam~mX
37
861
898
H$mor
61
517
578
H$mobH$mm
215
815
1030
bIZD$
0
352
352
_~B
278
2147
2425
Hw$b
1381
10048
11429
Amo/Eg-~H$m`m
i. {g\$m[ae/nwaH$ma
ii. dmngr/ZrnQ>mam
iii. ImarO
iv. AdrH$V
(gr) 1 gmb Oo `mXm
~r_m bmoH$nmb
Ho$
200
0
0
568
21
26
210
88
126
22
545 145
1717 681
78
72
86
66
77
86
172
20
88
75
29
29
106
56
13
31
131
(III)
262
71
(II)
218
(I)
949
83
571
213
382
61
852
689
378
26
23
495
(IV)
4722
Bg Vah {ZnQ>mB
7688
1639
315
801
394
706
172
1204
883
482
113
64
915
Hw$b
6160
1165
315
579
284
704
149
805
771
386
67
21
914
(E)
1361
474
68
110
23
391
112
95
46
39
(~r)
167
154
(gr)
883
482
113
64
915
Hw$b
7688
1639
315
801
394
706
172
1204

(Ja OrdZ ~r_m)
1708
600
37
77
88
192
24
144
38
94
53
23
338
(E)
1770
186
152
96
37
265
324
78
625
(~r)
263
263
(gr)
3741
786
37
229
184
192
61
409
39
681
59
101
963
Hw$b
[ddaU 77
dm{fH$ [anmoQ>
2010-11
31-03-2010
Amo/Eg
df Ho$ XmamZ
m {H$ò
{eH$m`Vm| H$s g`m

Hw$b
Ah_Xm~mX
51
2319
2370
^monmb
77
336
413
^wdZoa
59
384
443
MS>rJT>
633
2082
2715
MoB
19
1838
1857
{Xr
539
2763
3302
JwdmhQ>r
28
493
521
hXam~mX
50
2249
2299
H$mor
97
1032
1129
H$mobH$mm
410
2207
2617
bIZD$
0
1800
1800
_~B
306
3562
3868
Hw$b
2269
21065
23334
Amo/Eg-~H$m`m
i. {g\$m[ae/nwaH$ma
ii. dmngr/ZrnQ>mam
iii. ImarO
iv. AdrH$V
(gr) 1 gmb Oo `mXm
~r_m bmoH$mnmb
Ho$
201
347
47
0
242 194
344
97
612 145
2563 1267
155
45
138
2283
1015
1502
497
1602
195
1887
1515
807
94
144
673
(IV)
3040
1503
2285
835
2030
395
2582
1811
1108
340
185
1125
Hw$b
2521
1437
1586
640
2028
365
1748
1676
871
160
138
1124
(E)
2500
519
66
295
195
30
818
135
233
163
43
(~r)
3040
1503
2285
835
2030
395
2582
1811
1108
340
185
1125
Hw$b
445 17239
404
16
17
(gr)
1195 12214 17239 14294
137
88
180
119
203
47
130
13
235
53
33
191
30
183
30
31
154
(III)
485
74
(II)
224
(I)
Bg Vah {ZnQ>mB

(OrdZ ~r_m Ed Ja OrdZ ~r_m)
3084
626
261
177
156
269
58
297
44
552
77
81
486
(E)
2748
202
36
155
138
68
423
792
26
147
759
(~r)
263
263
(gr)
6095
828
297
332
294
269
126
720
46
1607
103
228
1245
Hw$b
[ddaU 78
dm{fH$ [anmoQ>
2010-11
dm{fH$ [anmoQ>
202
2010-11
dm{fH$ [anmoQ>
2010-11
gbZH$
203
dm{fH$ [anmoQ>
204
2010-11
dm{fH$ [anmoQ>
2010-11
gbH$ 1
^maV _o H$m_ H$aZo dmbr ~r_m H$n{Z`m

OrdZ ~r_mH$Vm*
gmdO{ZH$ jo
1
*30
{ZOr jo
1
EJmoZ abrJà bmB\$ B`moa| H$. {b.
A{ddm bmB\$ B`moaog H$. {b.
~OmO AbmÒ bmB\$ B`moa|g H$.{b.
^maVr Egm bmB\$ Bàmoa|g H$.{b.
{~abm gZ bmB\$ Bàmoa|g H$. {b.
Ho$Zam EMEg~rgr Amo~rgr bmB\$ Bàmoa|g H$.{b.
S>rEbE\$ m_o[aH$m bmB\$ B`moa|g H$.{b.
8.
ES>bdrgrg Q>moH$s`mo bmB\$ B`moa|g H$.{b.
`yMa OZabr B{S>`m bmB\$ B`moa|g H$.{b.
10
EMS>rE\$gr Q>S>S> bmB\$ B`ma|g H$.{b.
11
AmggrAmBgrAmB yS>|{e`b bmB\$ Bàmoa|g H$.{b.
12
AmBS>r~rAmB \o$S>b bmB\$ B`moa|g H$. {b.
13
AmBEZOr d`m bmB\$ B`moa|g H$.{b.
14
BpS>`m \$Q> bmB\$ B`moa|g H$. {b.
15
H$moQ>H$ _{hm AmoS> `w`wAb bmB\$ B`moa|g H$.{b.
16
_g `y`mH$ bmB\$ B`moa|g H$.{b.
17
_Q> bmB\$ B`moa|g H$.m.{b.
18
[abm`g bmB\$ B`moa|g H$.{b.
19
ghmam B{S>`m bmB\$ B`moa|g H$.{b.
20
Eg~rAmB bmB\$ B`moa|g H$.{b.
21
lram_ bmB\$ B`moa|g H$.{b.
22
Q>ma `y{Z`Z S>mB-BMr bmB\$ B`moa|g H$.{b.
23
Q>mQ>m EAmBOr bmB\$ B`moa|g H$.{b.
{gV~a 2011 VH$
205
dm{fH$ [anmoQ>
2010-11
Omar... gbH$ 1
^maV _| H$m_ H$aZo dmbr ~r_m H$n{Z`m

Ja OrdZ ~r_mH$Vm *
gmdO{ZH$ jo
{ZOr jo
`y B{S>`m E`moa|g H$.{b.
~OmO AbmÒ OZab B`moa|g H$.{b.
ZoeZb B`moa|g H$.{b.
^maVr Egm OZab B`moa|g H$.{b.
X. Amo[aEQ>b B`moa|g H$. {b.
Mmobm_S>b_ E_Eg OZab B`moa|g H$.{b.
`yZmBQ>oS> B{S>`m B`moa|g H$.{b.
`yMa OZabr B{S>`m B`moa|g H$.{b.
EMS>rE\$gr Q>S>S> OZab B`moa|g H$.{b.
{deofk ~r_mH$Vm
AmggrAmBgrAmB bmo_~mS> OZab B`moa|g H$.{b.
EgnmoQ> Ho${S>Q> JmaQ>r H$moanmoaoeZ {b.
BH$mo Q>mo{H$`mo OZab B`moa|g H$.{b.
H${f ~r_m H$.{b.
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.
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$Vm
16
Anmobmo `y{ZI hoW B`moa|g H$.{b.
17
_g ~wnm hoW B`moa|g H$.{b.
18
Q>ma hoW ES> EbmBS> B`moa|g H$.{b.
nwZ~u_mH$Vm:
^maVr` gmYmaU ~r_m {ZJ_
*30
{gV~a 2011 VH$
206
dm{fH$ [anmoQ>
2010-11
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
`40,000
{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
3 df
6.
ao\$abg
`10,000
3 df
ZdrZrH$aU
g_` gr_m
n{V df
31 {Xg~a
gd}jH$ Ed hm{Z {ZYmaH$

`{$JV dJ
A
B
C
{ZJ{_V dJ
207
VH$
dm{fH$ [anmoQ>
2010-11
gbH$ 3(i)
^maVr` ~r_mH$V 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
208
dm{fH$ [anmoQ>
2010-11
gbH$ 3(ii)
^maVr` OrdZ ~r_m {ZJ_ _| ~r_mH$V Ho$ O_-_`w Xa {ZYmaU

EAmBgr E (96-98) A{V_
Am`w
_`w Xa
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
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
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
209
_`w Xa
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
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>
2010-11
gbH$ 4
{dm df 2010-11 Ho$ XmamZ nm[aV {H$ò Jò OrdZ ~r_m CnmX
H$.g
~r_mH$Vm H$m Zm_
CnmX H$m Zm_
`yAmBEZ*
EJmoZ aobrJoa
EJmoZ aobrJoa hoW bmZ

EJmoZ aobrJoa _{Z ~mH$ bg bmZ
EJmoZ aobrJoa n|eZ bmZ
EJmoZ aobrJoa E|S>mo_oQ> bmZ
EJmoZ aobrJoa EoS>mo_oQ> AS>dmZQ>oO bmZ
EJmoZ aobrJoa `yMa moQ>og bmZ
EJmoZ aobrJoa `yMa nmoQ>og bg bmZ
EJmoZ aobrJoa Eo`ya bmZ
EJmoZ aobrJoa amBgtJ Q>ma bmZ
EJmoZ aobrJoa `yMa moQ>oQ> {_rà bmZ
EJmoZ aobrJoa Eo`ya bmg bmZ
EJmoZ aobrJoa AmB_mgr_mO bmZ
EJmoZ aobrJoa Jwn Jm`yrQ>r bmZ
138N021V01
138N022V01
138N029V01
138N031V01
138N032V01
138L023V01
138L024V01
138L025V01
138L026V01
138L027V01
138L028V01
138L030V01
138L033V01
A{ddm bmB\$
A{ddm Jwn bmB\$ moQ>og

A{ddm bmB\$ {eS> AS>dmZQ>oO
A{ddm gnyUm gwajm ~r_m `moOZm
A{ddm YZ dfm
A{ddm bmB\$ {eS> bmQ>rZ_
A{ddm `J H$mba go`ya
A{ddm AmB bmB\$
A{ddm n|eZ ~rS>a
A{ddm bmB\$goda AS>dmZQ>oO
A{ddm \$sS>_ bmBn AS>dmZQ>oO
A{ddm `J H$mba AS>dmZQ>oO
A{ddm bmB\$ ~mS> AS>dmZQ>oO
A{ddm bmB\$ gMrZ EogQ>m H$da AS>dmZQ>oO
A{ddm Jwn Jm`yQ>r AS>dmZQ>oO
A{ddm `y Jyn brd EZH$me_oQ> bmZ
A{ddm MmBS> EoS>yHo$eZ amBS>a
A{ddm hoW JmS> amBS>a
A{ddm Q>_ bg amBS>a
122N080V01
122N081V01
122N084V01
122N088V01
122N089V01
122N092V01
122N093V01
122N094V01
122L082V01
122L083V01
122L085V01
122L086V01
122L087V01
122L090V01
122L091V01
122B015V01
122B016V01
122B017V01
~OmO AbmÒ bmB\$
~OmO AbmÒ Jwn Ho$S>rQ> moQ>oeZ bg

~OmO AbmÒ gwna H$e JoZ B`ma|g bmZ
~OmO AbmÒ H$e [aM B`moa|g bmZ
~OmO AbmÒ doW B`moa|g bmZ
~OmO AbmÒ _mg. AS>dmZQ>oO B`moa|g bmZ
~OmO AbmÒ erS> B`moa|g bmZ
~OmO AbmÒ A`yaS> moQ>oeZ B`moa|g bmZ
~OmO AbmÒ bmB\$ AmBJoZ III
~OmO AbmÒ _mQ> B`moa|g bmZ III
~OmO AbmÒ _Zr go`ya B`moa|g bmZ
~OmO AbmÒ Jwn E_bm` ~oZr\$sQ> bmZ
~OmO AbmÒ Jwn doW B`moa|g bmZ
~OmO AbmÒ Jwn Q>_uZb BbZog amBS>a
116N094V01
116N102V01
116N103V01
116L095V01
116L096V01
116L097V01
116L098V01
116L099V01
116L100V01
116L101V01
116L104V01
116L105V01
116B025V01
*`yAmBEZ: A{Vr` nhMmZ g`m

210
dm{fH$ [anmoQ>
2010-11
Omar... gbH$ 4
4
^maVr Egm
^maVr Egm bmB\$ Jwn Q>_ H$da

^maVr Egm bmB\$ moQ>oQ> bg
^maVr Egm bmB\$ `m_rbr BH$_ go`ya
^maVr Egm bmB\$ AOrdZ AmZX
^maVr Egm bmB\$ OZ gwajm
^maVr Egm bmB\$ r{_`_a hmo_ {eS>
^maVr Egm `yMa Mm_ng
^maVr Egm dS>a B`g [aQ>mBa_oQ> bmZ
^maVr Egm bmB\$ ~mBQ> Q>ma ES>O
^maVr Egm bmB\$ Q> doW
^maVr Egm bmB\$ doW dZ
^maVr Egm bmB\$ r{_`_ dodrà amBS>a
^maVr Egm Jwn AmgrS>|Q>b S>oW ~oZr\$sQ> amBS>a
130N034V01
130N037V01
130N038V01
130N039V01
130N040V01
130N042V01
130N043V01
130N044V01
130L035V01
130L036V01
130L041V01
130C005V01
130B006V01
{~abm gZbmB\$
~rEgEbAmB ~MV (BS>mo_oQ>) bmZ

~rEgEbAmB ~MV (_Zr `mH$) bmZ
~rEgEbAmB ~MV (MmBS>) bmZ
~rEgEbAmB hmnrQ>b H$e bmZ
~rEgEbAmB aoZ~mo bmZ
~rEgEbAmB {dOZ
~rEgEbAmB Jwn `mnrQ>b A`yS> Q>o{S>Zb bmZ
~rEgEbAmB S>r_ ES>mo_Q> bmZ
~rEgEbAmB bmgrH$ ES>mo_oQ> bmZ
~rEgEbAmB bmQ>rZ_ AS>dmZQ>oO bmZ
~rEgEbAmB S>r_ bmB\$ bmZ
~rEgEbAmB S>r_ MmBS>> bmZ
~rEgEbAmB bmgrH$ MmBS> bmZ
~rEgEbAmB bmgrH$ bmB\$ bmZ
~rEgEbAmB \$moagmBQ> bmZ
~rEgEbAmB gOuH$b Ho$a amBS>a
~rEgEbAmB hnrQ>b Ho$a amBS>a
~rEgEbAmB dodà Am\$ r{_`_ amBS>a
~rEgEbAmB AmgrS>|Q> S>oW AS> S>rgEo~rbrQ>r amBS>a
~rEgEbAmB H$sQ>rH$b BbZog amBS>a
~rEgEbAmB Jwn H$s{Q>H$b BbZog r{_`_ amBS>a
~rEgEbAmB Jwn AgrbaoQ>S> H$s{Q>H$b BbZog r{_`_ amBS>a
~rEgEbAmB Jwn AgrbaoQ>S> Q>_uZb BbZog amBS>a
~rEgEbAmB AmgrS>oQ>b S>oW ~oZr\$sQ> amBS>a
109N056V01
109N057V01
109N058V01
109N059V01
109N063V01
109N068V01
109N070V01
109L060V01
109L061V01
109L062V01
109L064V01
109L065V01
109L066V01
109L067V01
109L069V01
109C015V01
109C016V01
109C017V01
109C018V01
109C019V01
109B020V01
109B021V01
109B022V01
109B014V01
Ho$Zam EMEg~rgr Amo~rgr Ho$Zam EMEg~rgr Amo[a`Q>b ~H$ Am\$ H$m_g bmB\$ Jwn Q>o{S>eZb bmZ
Ho$Zam EMEg~rgr Amo[a`Q>b ~H$ Am\$ H$m_g bmB\$ B`moa|g {g`ma _mQ> bmZ
Ho$Zam EMEg~rgr Amo[a`Q>b ~H$ Am\$ H$m_g bmB\$ Bàmoa|g S>r_ _mQ> bmZ
Ho$Zam EMEg~rgr Amo[a`Q>b ~H$ Am\$ H$m_g bmB\$ Bàmoa|g JmoW _mQ> bmZ
Ho$Zam EMEg~rgr Amo[a`Q>b ~H$ Am\$ H$m_g `yMa _mQ> bmZ
Ho$Zam EMEg~rgr Amo[a`Q>b ~H$ Am\$ H$m_g B`moa _mQ> bmZ
211
136N014V01
136N017V01
136L015V01
136L016V01
136L018V01
136L019V01
dm{fH$ [anmoQ>
2010-11
Omar... gbH$ 4
7
S>rEbE\$ m_o[aH$m
S>rEbE\$ m_o[aH$m YZ gwajm

S>rEbE\$ m_o[aH$m A`ya _Zr +
S>rEbE\$ m_o[aH$m VVH$mb gwajm JmoS>
S>rEbE\$ m_o[aH$m amoO ~r_m
S>rEbE\$ m_o[aH$m `yMa AmBS>g JmoS>
S>rEbE\$ m_o[aH$m aeH$
S>rEbE\$ m_o[aH$m doW + r{_à
S>rEbE\$ m_o[aH$m BOr doW+
S>rEbE\$ m_o[aH$m doW+ Eg
140N020V01
140N021V01
140N024V01
140N026V01
140N027V01
140N028V01
140L022V01
140L023V01
140L025V01
`yMa OZabr
`yMa OZabr S>r_ `maQ>r bmZ

`yMa OZabr Ho$a bg
`yMa OZabr _mQ> bmB\$
`yMa OZabr EZEdr B`moa bmZ
`yMa OZabr gboQ> B`moa|g bmZ
`yMa OZabr {Zdoe r\o$S> bmZ
`yMa OZabr _wI {Zdoe
`yMa OZabr doW nmoQ>oQ> bmZ
`yMa OZabr `y{ZQ> {bS> bmB\$ JmS>u`Z amBS>a
`yMa OZabr gab Q>_ ~oZr\$sQ> amBS>a
133N029V01
133N030V01
133N031V01
133L032V01
133L033V01
133L034V01
133L035V01
133L036V01
133A018V02
133B020V01
EMS>rE\$gr Q>S>S> bmB\$ EMS>rE\$gr EgEb Jwn goqdg bmZ

EMS>rE\$gr EgEb `y _{Z ~H$ bmZ
EMS>rE\$gr EgEb gdJm_rZ ~MV `moOZm
EMS>rE\$gr EgEb Jwn H$ZdoeZb bmZ
EMS>rE\$gr EgEb BS>mo_oQ> JoZ
EMS>rE\$gr EgEb Jwn Q>o{S>Zb bmZ
EMS>rE\$gr EgEb bmgrH$ A`ya B`moa|g bmZ
EMS>rE\$gr bmB\$ bmgrH$ n|eZ B`moa|g bmZ
EMS>rE\$gr bmB\$ gnyU g_ar{ B`moa|g bmZ
EMS>rE\$gr EgEb Ho$Q>
EMS>rE\$gr EgEb `JQ>ma gwna II
EMS>rE\$gr EgEb moJmoW gwna II
EMS>rE\$gr EgEb nmoJmoW _gr_mBOa
EMS>rE\$gr EgEb `J Q>ma gwna r{_`_
EMS>rE\$gr EgEb moJmoW bogr
EMS>rE\$gr EgEb Jwn qbH$S> AmneZ I
EMS>rE\$gr EgEb n|eZ _mgr_g
101N062V01
101N063V01
101N069V01
101N070V01
101N071V01
101N075V01
101N076V01
101N077V01
101N078V01
101L064V01
101L065V01
101L066V01
101L067V01
101L068V01
101L072V01
101L073V01
101L074V01
10
AmBgrAmBgrAmB w.
AmBgrAmBgrAmB w. hnrQ>b Ho$a II

AmBgrAmBgrAmB w. AmB moQ>oQ>
AmBgrAmBgrAmB w. `ma|Q>rS> goqdg B`moa|g bmZ
AmBgrAmBgrAmB w. hmob bmB\$
AmBgrAmBgrAmB w. `yMa go`ya
AmBgrAmBgrAmB w. Jwn Q>_ bmZ
AmBgrAmBgrAmB w. bmB\$ qbJ doW Egnr
AmBgrAmBgrAmB w. bmB\$ Q>mB_ r{_à
AmBgrAmBgrAmB w. qbH$ n|eZ Egnr
AmBgrAmBgrAmB nrZmb II
212
105N108V01
105N110V01
105N114V01
105N116V01
105N117V01
105N119V01
105L111V01
105L112V01
105L113V01
105L115V01
dm{fH$ [anmoQ>
2010-11
Omar... gbH$ 4
AmBgrAmBgrAmB w. bmB\$ Q>oO doW II
AmBgrAmBgrAmB w. _mQ> {H$S> r{_à
AmBgrAmBgrAmB w. {nmH$sb gwna
AmBgrAmBgrAmB w. dodà Am\$ {{_`_ AmZ {H$Q>rH$b BbZog amBS>a
105L118V01
105L120V01
105L121V01
105C024V01
11
AmBS>r~rAmB \o$S>b bmB\$ AmBS>r~rAmB \o$S>b bmoZ A`[ag Jwn bmB\$ bmZ
AmBS>r~rAmB \o$S>b Q>_ Jwn A`[ag bmB\$ bmZ
AmBS>r~rAmB \o$S>b ~mS>A`moa|g AS>dmZQ>oO B`moa|g bmZ
AmBS>r~rAmB \o$S>b [aQ>mà A`moa|g `maQ>rS> n|eZ bmZ
AmBS>r~rAmB \o$S>b Q>_ A`moa|g r{_`_ B`moa|g bmZ
AmBS>r~rAmB \o$S>b Q>_ A`moa|g {gZrà B`moa|g bmZ
AmBS>r~rAmB \o$S>b doWA`moa|g _mBbQ>moZ bmZ
AmBS>r~rAmB \o$S>b doWA`moa|g r{_à B`moa|g bmZ
AmBS>r~rAmB \o$S>b [aQ>mà A`moa|g _mBbQ>moZ n|eZ bmZ
135N013V01
135N015V01
135N016V01
135N017V01
135N019V01
135N021V01
135L014V01
135L018V01
135L020V01
12
B{S>`m \$Q> bmB\$
B{S>`m \$Q> bmB\$ bmZ

B{S>`m \$Q> qgnb bmB\$ bmZ
B{S>`m \$Q> EZrQ>mB_ bmZ
B{S>`m \$Q> go`ya god bmZ
B{S>`m \$Q> _mQ> god bmZ
B{S>`m \$Q> `J B{S>`m bmZ
B{S>`m \$Q> E_bmB ~oZr\$sQ> bmZ
B{S>`m \$Q> Q>_ amBS>a
143N007V01
143N008V01
143N009V01
143N012V01
143L010V01
143L011V01
143L013V01
143B001V01
13
AmBEZOr d`m bmB\$
AmBEZOr B{_S>ròQ> A`yQ>r {dW [aQ>Z Am\$ nagog mBg

AmBEZOr AmerdmX
AmBEZOr AmerdmX
AmBEZOr H$sòqQ>J Q>ma `maQ>rS> `yMa
AmBEZOr EgrB bmB\$
AmBEZOr EgrB n|eZ
AmBEZOr Cm_ OrdZ - Egnr
AmBEZOr Cm_ OrdZ
AmBEZOr mnatJ bmB\$
AmBEZOr _mH}$Q> {eS>
AmBEZOr mnatJ bmB\$ Egnr
114N050V01
114N051V01
114N051V02
114N052V01
114N058V01
114N059V01
114L053V01
114L054V01
114L055V01
114L056V01
114L057V01
14
H$moQ>H$ _hoX Amo_ bmB\$ H$moQ>H$ B-\$s\$S> Q>_ bmZ

H$moQ>H$ B-Q>_
H$moQ>H$ \$sgS> [aQ>Z bmZ
H$moQ>H$ A`yaS> BH$_
H$moQ>H$ gab gwajm
H$moQ>H$go`ya BdoQ> B`moa|g
H$moQ>H$ doW B`moa|g bmZ
H$moQ>H$ EgrB BdoQ>_|Q> bmZ
H$moQ>H$ qgJb BdoQ> AS>dmZQ>oO
H$moQ>H$ hoS>Q>m MmBS> A`ya
H$moQ>H$ bmQ>rZ_
107N060V01
107N061V01
107N068V01
107N069V01
107N070V01
107L062V01
107L063V01
107L064V01
107L065V01
107L066V01
107L067V01
213
dm{fH$ [anmoQ>
2010-11
Omar... gbH$ 4
15
EbAmBgr
EbAmBgr Jrn bogr~b BH$_ bmZ

EbAmBgr ~r_m AH$mCQ>> -I
EbAmBgr ~r_m AH$mCQ> -II
EbAmBgr n|eZ bg
EbAmBgr BS>mo_oQ> bg
EbAmBgr g_[ar bg
512N262V01
512N263V01
512N264V01
512L260V01
512L261V01
512L265V01
16
_g `y `mH$ bmB\$
_g `y `mH$ bmB\$ bmQ>rZ_ moQ>oQ>

_g `y `mH$ bmB\$ _mQ> ~S>
_g `y `mH$ bmB\$ H$mboO bmZ
_g `y `mH$ ew^ {ZdoQ>
_g `y `mH$ {ejm bmg II
_g `y `mH$ bmB\$ bogr \$m`yZ
104N060V01
104N063V01
104N065V01
104L061V01
104L062V01
104L064V01
17
_oQ> bmB\$ B{S>`m
_oQ Jm_rZ Ameao>

_oQ> _Z{Wbr BZH$_ bmZ - 7 no
_oQ> moQ>oQ>
_oQ> Jwn goqdJg bmZ
_oQ> _mQ> bmQ>rZ_
_oQ> _mQ> dZ
_oQ> Bgr gwna
117N063V01
117N064V01
117N065V01
117N067V01
117L066V01
117L068V01
117L069V01
18
[abm`g bmB\$
[abm`g bmB\$ Ho$a \$a `y bmZ

[abm`g _Zr _Q>rbmà bmZ
[abm`g bmB\$ bmgrH$ bmZ
[abm`g bmB\$ hòQ> EZEdr AS>dmZQ>oO bmZ
[abm`g bmB\$ B`moa|g bmgrH$ bmZ - {b{_Q>oS> r{_`_
[abm`g bmB\$ B`moa|g Jwn JO`yQ>r bg bmZ
[abm`g bmB\$ B`ma|g \$mBd no bmZ
121N078V01
121N079V01
121L076V01
121L077V01
121L080V01
121L081V01
121L082V01
19
ghmam BpS>`m bmB\$
ghmam erIa OrdZ ~r_m

ghmam CVH$f OrdZ ~r_m
ghmam gwJ_ OrdZ ~r_m
ghmam gMrV OrdZ ~r_m
127L021V01
127L022V01
127L023V01
127L024V01
20
Eg.~r.AmB bmB\$
Eg.~r.AmB bmB\$ - hnrQ>b H$e

Eg.~r.AmB bmB\$ - gab erS>
Eg.~r.AmB bmB\$ - _mQ> erS>
Eg.~r.AmB bmB\$ - gab bmB\$
Eg.~r.AmB bmB\$ - Jad OrdZ
Eg.~r.AmB bmB\$ -AmaAmBEZEZ ajm
Eg.~r.AmB bmB\$ - _mQ> na\$m_a
Eg.~r.AmB bmB\$ - `y{ZQ> bg gyna
Eg.~r.AmB bmB\$ - gab _hm AmZX
Eg.~r.AmB bmB\$ - _mQ> BbmBQ>
Eg.~r.AmB bmB\$ - _mQ> H$mba
Eg.~r.AmB bmB\$ - _mQ> hmarOmZ
Eg.~r.AmB bmB\$ - _mQ> n|eZ
Eg.~r.AmB bmB\$ - _mQ> doW A`ya
111N065V01
111N066V01
111N067V01
111N071V01
111N076V01
111N078V01
111L068V01
111L069V01
111L070V01
111L072V01
111L073V01
111L074V01
111L075V01
111L077V01
214
dm{fH$ [anmoQ>
2010-11
Omar... gbH$ 4
21
lram_ bmB\$
128N033V01
128L034V01
128L035V01
128L036V01
128L037V01
128B009V01
128C010V01
22
Q>ma `y{Z`Z XmBMr bmB\$ Eg`yS>r bmB\$ S>r\$mBS> ~oZr\$sQ> BS>mo_oQ> bmZ
Eg`yS>r bmB\$ S>r\$mBS> JmoW BS>mo_oQ> B`moa|g bmZ
Eg`yS>r bmB\$ YZ gwajm 3
Eg`yS>r bmB\$ YZ gwajm r_r`_ 3
Eg`yS>r bmB\$ ^mV Vmam 3
Eg`yS>r bmB\$ YZ gwajm Egog
142N023V01
142N027V01
142L024V01
142L025V01
142L026V01
142L028V01
23
Q>mQ>m EAmBOr bmB\$
110N088V01
110N089V01
110N093V01
110L090V01
110L091V01
110L092V01
110L094V01
110L095V01
110L096V01
110L097V01
110B022V01
lram_ Ho${S>H$ JmS>

lram_ COdb bmB\$
lram_ Cdb bmB\$ (Egnr)
lram_ bmB\$ doW bg
lram_ Jwn JmOy`rQ>r moQ>oQ>a
lram_ EgQ>m H$mda amBS>a
lram_ {H$Q>rH$b BbZog H$da amBS>a
Q>mQ>m EAmBOr bmB\$ Jwn Q>moQ>b gwajm

Q>mQ>m EAmBOr _hm bmB\$ `maQ>r
Q>mQ>m EAmBOr bmB\$ _hm `maQ>r bogr
Q>mQ>m EAmBOr bmB\$ BdoQ> A`ya bogr gwr_
Q>mQ>m EAmBOr bmB\$ b` gwr_
Q>mQ>m EAmBOr bmB\$ BZdoQ> A`ya bg gwr_
Q>mQ>m EAmBOr bmB\$ `yZmBQ>oS> Cmdb ^{d` gwnr_
Q>mQ>m EAmBOr bmB\$ BZdoQ> Anog gwr_
Q>mQ>m EAmBOr bmB\$ B`moa|g dU {Vkm
Q>mQ>m EAmBOr bmB\$ BdoQ> A`ya JmoS> gwr_
Q>mQ>m EAmBOr bmB\$ Jwn S>rgAo~rbrQ>r amBS>a
{Q>nUr: ES>bdrgrg Q>mo{H$`m| bmB\$ B`moa|g H$.{b., df 2011-12 Ho$ XmamZ H$m` ew {H$`m&
215
dm{fH$ [anmoQ>
2010-11
gbH$ 5
{dm df 2010-11 Ho$ XmamZ nm[aV {H$ò Jò Ja OrdZ ~r_m CnmX
H$.g
Ja OrdZ ~r_mH$Vm
CnmX H$m Zm_
1.
H${f ~r_m H$nZr
H$mS>m_mo_ bmQ> Ed `rS> B`ya|g
2.
Anmobmo `w{ZI hoW
_pO_m B`ya|g
Am{Q>_m bg
Bgr hoW B`ya|g
Bgr hoW Jwn B`ya|g
3.
~OmO AbmÒ
H$_eu`b nHo$O
Eg AmB ~r hoW A{gQ>
_mg_ {h\$mOV
4.
Mmob_mS>b_
doXa B`moa|g (BS>og)

Mmobm E_Eg B{S>{ddb hoWbmBZ B`ya|g
S>mo_oQ>rH$ Q>mdb B`ya|g
Mmobm E_Eg H$s{Q>H$b hoWbmBZ B`ya|g
5.
`yMa OZabr
`yMa Bd|Q> B`ya|g

`yMa grZr gwajm
hoW gwajm - ardrOZ
Q>mdb gwajm - Q>oS>S> bmZ - A{S>eZb ~oZr\$sQ>g
6.
EMS>rE\$gr EJm}
H$mS> `ya nmHo$O nmbgr

doXa B`ya|g
Bd|Q> H$mgrboeZ nmbgr
H$mn B`ya|g nmbgr
BZ\$a_oeZ H$p`{ZHo$eZ Q>oZmbmoOr Eag Ed Amo{_eZ
({admOrS> BQ>aZoeZb dmS>vJg)
OZVm ngZb EpgS>|Q> (OonrE)
Jm_rZ Amamo` {Z{Y
_oamBZ H$mJm} AmonZ nmbgr
({adrOZ Am\$ _oamBZ BQ>rQy>Q> Am\$ H$mJm} bmOoO)
AmBgrAmBAmB bmo~mS>
H$mn B`ya|g
H$mn B`ya|g nmbgr ([adrOZ/AmS>-AmZ H$dg)
8.
BH$mo Q>mo{H$`mo
9.
Eb AS> Q>r OZab
OZVm ~r_m `moOZm nmbgr (E_AmB moS>Q>)

\$gb ~r_m `moOZm
BS>Q>r`b Amb [ag nmbgr
AS>dmg bmg Am\$ mQ>rg B`ya|g nmbgr
_erZar bmg Am\$ mQ>rg B`ya|g nmbgr
_mB: EogQ> Qy> {dba B`ya|g
_mB: EogQ> BdoQ> _moQ>a B`ya|g
_mB: EogQ> H$_eu`b AS> _rgbo{Z`g dohH$sb B`ya|g
_moQ>a bm`~rbrQ>r AmZobr nmbgr
~Jbar AS> hmCg ~oH$sJ B`ya|g
_mB {OdrH$m
Q>mS>S> \$mà AS> noeZ noarbg nmbgr
H$mQ>mQ>a Amb [ag nmbgr
216
dm{fH$ [anmoQ>
2010-11
Omar.... gbH$ 5
H$.g
Ja OrdZ ~r_mH$Vm
CnmX H$m Zm_

EoaoeZg Amb [ag nmbgr
H$mQ>mQ>ag bmQ> AS> _erZar nmbgr
_erZar ~oH$S>mCZ nmbgr
BboQ>m{ZH$ B`yn_|Q>g B`ya|g nmbgr
dH$_og H$nZgoeZ B`ya|g
n~brH$ bm`~rbrQ>r (AmQ>) B`ya|g
\$mà bmg Am\$ m\$sQ>g B`ya|g nmbmgr
Amb [ag B`ya|g
{Z`mZ gmBZ B`ya|g
_Zr B`ya|g
~JoO B`ya|g
boQ> bmg B`ya|g
H$_eu`b OZab bm`~rbrQ>r B`ya|g
H$~mBS> n~brH$ AS> moS>oQ> bm`~rbrQ>r B`ya|g
_mB: Or{dH$m ngZb EgrS>oQ> _mBH$mo B`yoa|g
_oamBZ H$mamoJ Bàog
10.
_mg ~wnm hoW
BQ>aZoeZb _oS>rH$b Eo_O}gr nmbgr

dm` W_ _mBH$mo Bà|g mS>oQ>
hmQ>~rQ> - AmS> AmoZ
Eo_nmbmB \$Q> hoW Bà|g bmZ
11.
ZoeZb B`moa|g
nmHo$O B`moaog (mBdoQ> H$mg AS> Qy>-{dbag) - AmS> AmZ
12.
`y B{S>`m A`ya|g
OZ gwajm bKw ~r_m
13.
ahoOm `y~rB
_Q>r{_S>r`m mo\o$eZb BS>r{_ZrQ>r

mo\o$Zb BS>r{_ZrQ>r (_o{S>H$b _mbmQ>rg)
Q>mgnmoQ>g bm`~rbrQ>r nmbgr
S>r ES> Amo bm`~rbrQ>r Eogog nmbgr
S>r ES> Amo H$nZr ar_`yag_oQ> Bà|g
14.
am`b gwXa_
_moQ>b AmS>-Amg \$ma H$_eu`b dohrH$g

hoW erS> - JmoS>
hoW erS> - Zm_b
hoW erS> - r{_à
`m_rbr hoW moQ>oQ>a
Q>mn An Bà|g - hoW EgEg AS> gwna hoW EgEg Bà|g
{H$Q>rH$b BbZog bng_ Bà|g
`m_rbr JwS> hoW
`m_rbr hoW \$bmoQ>a
15.
Eg~rAmB OZab
bmJ Q>_ Bà|g (\$à)

~Jbar Bà|g
_moQ>ma AmS>-Ag (nrgr/Q>rS>by/grdr)
boQ> bmg Bà|g nmbgr
[~OrZg nHo$O
_moQ>ma AmS>-Ag (2) ar-{\$S>>)
AS>dmg bmg Am\$ m\$sQ>g Bà|g nmbgr
_Zr Bà|g (ardmBOS>)
217
dm{fH$ [anmoQ>
2010-11
Omar.... gbH$ 5
H$.g
Ja OrdZ ~r_mH$Vm
CnmX H$m Zm_

_erZar ~oH$ S>mCZ nmbgr
H$mQ>mQ>g bmQ> AS> _erZar nmbgr
~mBba AS> ea bmQ> nmbgr
EoaoeZ Amb [ag nmbgr
_erZar bmg Am\$ m\$sQ>g nmbgr
Eo{dòeZ hb nHo$O
_Zr Bàog nmbgr
bmg Am\$ m\$sQ>
Jyn hoW Bà|g
_oamBZ H$maJmo Bà|g
16.
Q>ma hoW AS> AbmBS>
Q>ma lr BZ{S>drS>b Ho$à B`ya|g

Q>ma lr \$_rbr Ho$à B`ya|g
Q>a `yZrH$ hoW B`ya|g
Wma doS>tJ {JQ> B`ya|g
{gZrà grQ>rOZ aoS> H$manoQ> B`ya|g
hoW Amb Ho$à B`ya|g nmbgr
17.
lram_ OZabr

Zr`mZ gmBZ/bmogmBZ/hmoS>vJg B`ya|g nmbgr
AJrH$bMa nngoQ> B`ya|g nmbgr
boQ> bmg B`ya|g nmbgr
~Jbar B`yaog (ardrOZ)
~JoO B`ya|g
Amb [ag B`ya|g
dog bmH$ B`ya|g nmbgr
~rOrZog moQ>oQ>a
H$_eu`b OZab bm`~rbrQ>r B`ya|g
OZVm ngZb EgrS>|Q> (Jwn)
gog Q>ZAmoda nmbgr
18.
Q>mQ>m EAmBOr OZab
new gwajm ~r_m

AmS>-Ag \$ma {dbg nHo$O nmbgr
am>r` d` ~r_m `moOZm B`ya|g
dobA`ya|g
_amBZ H$mJm} B`ya|g
19.
`yZmBQ>oS> B{S>`m
{Zb S>rreròeZ (AmS>-AmZ)

dH$_oZ _oS>rHo$a nmbgr
BS>rdrS>b hoW B`ya|g - gr{Zà grQ>rOZ
BS>rdrS>b hoW B`ya|g - bmQ>rZ_
BS>rdrS>b hoW B`ya|g - JmoS>
AmB Amo ~r hoW Ho$a ng
20.
`y{Zdgb gmonmo
_moQ>ma AmS>-AmZg (8)

AS>dmg bmg Am\$ mo{\$Q>g nmbgr
\$mBZ AmQ>g Bà|g nmbgr
BS>rdrS>b hoW Bà|g - gnyUm d` H$dM
218
15-30
H$amoS> ~r_mH$V (E_S>r+EbAmonr) {V mo{I_

H$amoS> ~r_mH$V (E_S>r+EbAmonr) {V mo{I_
~r_mH$V {V nm{bgr
~r_mH$V {V dogb
~r_mH$V {V dogb
` 500
` 500
` 25 H$amoS>
` 40 H$amoS>
` 40 H$amoS>
H$moB gr_m Zht
A{, AmB E Ama
~S>o Omo{I_
_[aZ H$mJm}
_amBZ hb
`w ES> EgAmagrgr
_moQ>a, H$_Mm[a`mo H$m _wAmdOm
gm_m` {d_mZZ Xm{`d
219
15
15
AmgV Q>_
5
20
10
15-25
15-30
hb Ho$ {bò ~r_mH$V {V Omo{I_ ` 300 H$amoS>

Ama A` ~r_m Ho$ {bò CgHo$ AZwn {VeV
` 37.50 H$amoS>
A_o[aH$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

H$amoS> ~r_mH$V {V Omo{I_
H$amoS> ~r_mH$V {V Omo{I_ (E_S>r+EbAmonr)
` 100
` 300
{d_mZZ (EàbmBg)
Vob Ed COm
gmao Xm{`d g~Yr CnmX

d{m Xm{`d Ho$ Abmdm
Ho${S>Q> Ed JamQ>oS> bmBZg

_maJoO B`moa|g
H${f/_mg_ ~r_m
A` {d{dY
_erZ H$m Iam~ hmoZm, ~mbg

Y_H$m bm^ _| H$_r
R>oHo$Xma Ho$ g^r IVao, IS>m H$aZo Ho$

g^r IVao, bm^m| H$m A{J_
ZwH$gmZ, ew H$aZo _o Xoar
E_S>r: ^mar j{V; EbAmonr : bm^ na hm{Z; EgAmagrgr; AmEAma: Amo{JH$ g^r Omo{I_; EgAmB: ~r_rV amer; EgAmagrgr: hS>Vmb, XJm Ama gr{db hJm_m
~r_mH$V {V KQ>Zm
15-30
15
7.5-12.5
H$moB gr_m Zht
~r_mH$V {V Omo{I_
15-30
15-25
25-30
25-30
15-20
20
Nil
Nil
15
10-15
20
25-30
bm^
H$_reZ (%)
10
12.5-25
15-25
10
nwZ~r_m
H$_reZ (%)
~r_mH$V _o eoeZ H$s gr_m
loUr
OrAmBgr H$mo m {O_oXma goeZ
gbH$ 6
dm{fH$ [anmoQ>
2010-11
dm{fH$ [anmoQ>
2010-11
gbH$ 7
nOrH$V Xbmbm| H$s g`m (am`mZwgma)

H$.g.
am`
nOrH$V Xbmbm| H$s g`m*
_hmam>
98
{Xr
63
n{_ ~Jmb
28
V{_bZmSw>
28
AmY Xoe
18
Cma Xoe
18
JwOamV
13
H$ZmQ>H$
12
nOm~
11
10
Ho$ab
11
amOWmZ
12
MS>rJT>
13
_` Xoe
14
h[a`mUm
2
311
Hw$b
* 30
OyZ 2011 VH$
220
dm{fH$ [anmoQ>
2010-11
gbH$ 8
Anb 2010* go m{YH$ma mam Omar n[an/AmXoe/A{YgyMZmE

H$.g.
gX^ g`m
Omar H$aZo H$s {V{W
{df`
1.
AmBAmaS>rE/E\$ES>AmB/AmoAmaS>r/
E\$ES>E/061/04/2010
AmaAmaS>rE/grEME_/grAmBAma/
grAmBAma/063/04/2010
AmaAmaS>rE/Q>rnrE/AmoAmaS>r/grEEZ/
065/04/2010
AmaAmaS>rE/EgrQ>r/grAmBAma/
`yEbAmBnr/066/04/2010
AmaAmaS>rE/EZEb/AmoAmaS>r/E_
AmBEggr/069/04/2010
AmaAmaS>rE/EgrQ>r/grAmBAma/
`yEbAmBnr/071/05/2010
AmaAmaS>rE/E\$ES>AmB/grAmBAma/E\$
ES>E/075/05/2010
AmBAmaS>rE/EZEb/grAmBAma/EMEb
Q>rEM/077/05/2010
AmBAmaS>rE/E\$ES>AmB/grAmBAma/
E\$E/076/05/2010
EE_Eb/080/05/2010
08-04-2010
boXmdmH$aU _wm| na Wm`r g{_VnwZJR>Z

`y{bn na n[an
AmBAmaS>rE/EgrQ>r/grAmBAma/
E_AmBEggr/081/05/2010
AmBAmaS>rE/grEOrQ>rEg/grAdmBAma/
EbgrB/082/05/2010
AmBAmaS>rE/grEEg/grAmBAma/
BEgS>r/083/05/2010
13-05-2010
AmBAmaS>rE/ES>{_V/grAmBAma/
OZ/084/05/2010
AmaAmaS>rE/grE OrQ>rEg/grAmBAma
/Ebgr/B/085/05/2010
AmBAmaS>rE/EnES>AmB/grAmBAma
AmH$S>o/091/06/2010
18-05-2010
AmBAmaS>rE/grEOrQ>rEg/grAmBAma/
EbgrB/092/06/2010
EbgrB/093/2010
EE_Eb/099/06/2010
AmBAmaS>rE/E\$ES>AmB/grAmaBAma
BMEnr/100/06/2010
AmBAmaS>rE/EZEb/grAmBAma/
EgAmBEgr/101/06/2010
AmBAmaS>rE//EgrQ>r/grAmBAma/
102/06/2010
AmBAmaS>rE/grEOrQ>rEg/OrS>rEb/
EbgrB/106/06/2010
AmBAmaS>rE/EOrQ>rEg/AmoAmaS>r/
Q>oqZJ/109/07/2010
AmBAmaS>rE/bmB\$/grAmBAma/
{_g./110/07/2010
AmBAmaS>rE/AmBQ>r/EZQ>rgr/
E_AmBEggr/111/07/2010
AmBAmaS>rE/~rAma Ho$/AmoAma/S>rEbgr
112/07/2010
E\$ES>E/114/07/2010
AmBAmaS>rE/EnES>AmB/grAmBAma/
AmBEZdr/115/07/2010
AmBAmaS>rE/EZ/E/AmoAmaS>r/
AmaAmBEZ/117/07/2010
AmBAmaS>rE/EbAmBE\$B/AmoAmaS>r/
E_AmBEggr/120/07/2010
AmBAmaS>rE/EZEb/AmoAmaS>r/
AmBAmaS>rE//EbOrEb/AmoAmaS>r/
AmoAmaS>r/122/07/2010
07-06-2010
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.
13-04-2010
23-04-2010
03-05-2010
Q>rnrE bmBg|g H$m {ZVrH$aU - `y{Zdgb

_o{S> ES> g{dgoO
bm^{ZXeZ-{dVaU MZb H$m
^wJVmZ
AZ{YH$V gWm mam ~r_m H$mamo~ma MbmZm
E_/Eg. ao{S>EQ> AmodagrO mBdoQ> {b{_Q>oS>
`y{ZQ> gh~ CnmXm| na {Xem{ZX}e
10-05-2010
{dmr` Q>o_oQ>m| H$s _m{gH$ Vw{V
10-05-2010
{d{dY m{YH$aU A{Y{Z`_ Ho$ n[a. 14(2)

EM Ho$ AVJV gyMZm-dm` ~r_m Xmdo
emoYj_ _m{OZ AZwnmV Ho$ aIaImd
H$s {nanmo{Q>J
A{^boIm| H$m aI aImd VWm boZ XoZ H$m _y`, gyMZm
{ÔdmZo H$s {H$`m Ama aIaH$md H$s {a{V VWm
JmhH$m| H$s nhMmZ Ho$ [aH$mS>m} H$m g`mnZ
Jma ~r_m H$n{Z`m| H$s {dmr`
pW{V [anmoQ>
n>rH$aU - EOogr nmoQ>b
27-04-2010
30-04-2010
10-05-2010
13-05-2010
17-05-2010
18-05-2010
25-05-2010
02-06-2010
07-06-2010
16-06-2010
16-06-2010
17-06-2010
19-06-2010
28-06-2010
06-07-2010
12-07-2010
`y{ZQ> gh~ ~r_m B`mXm| H$s eVmom Ho$

_mZH$sH$aU na EgnmoOa mn Ama
nm{bgrYmaH$m| H$s gwajm {d{Z`_m| Ho$ Cnm`
AmH$S>m AmYma Ho$ A{YJhU na EgnmoOa
mn
EH$ ~r_m H$Vm go Xygao ~r_mH$Vm _| {ZJ
EOogr H$m AVaU
H$_reZ AWdm A` H$ma go {XE JE
nm[alm{_H$ H$m ^wJVmZ, ~r_m A{Y{Z`_,
1938 H$m n[aN>oX 31~r (2)
EH$ ~r_mH$Vm go Xygao ~r_mH$Vm _| {ZJ_
EOogr H$m AVaU
~r_mH$Vm mam {ZJ_ EOoQ>m| H$m
{ZarjU
EE_Eb {Xem {ZX]em| H$s g_rjm
~r_m H$n{Z`m| Ho$ B{$Q>r Ym[aV nQ>Z
H$m {ddaU
Ho$db Xm{`d ~r_m gwajm Ho$ {bE _mZH$
Vmd H$m`
`y{ZQ> gh~ ~r_m`moOZmAm| _| em{_b {H$E
OmZo dmbo Vd
{ZJ_ EOoQ>m| H$mo bmBg|g Omar H$aZo
ZdrH$aU Ho$ {bE {Xem {ZX}e
~r_m EO|Q>m| Ho$ narjm Ho$m| H$m H$`yQ>arH$aU
16-07-2010
_mJXeZ `Wm (ao\$ab) g~Yr n[an$m| H$m

{ZarVrH$aU
BAmanr Um{b`m| Ho$ MaU 1 H$m H$m`d`Z VH$ZrH$s
~mobr Ho$ {bE AmBQ>r \$_m] H$s M`{ZV gyMr ~Zm`m
~moH$a bmBog H$s {ZarVrH$aU
19-07-2010
Xh bJmZm
21-07-2010
O_m mUnm| VWm Xm{`p`H$ nm| _| AmoQ>rgr

CZo XoZ H$s {anmo{Q>J
_Og b\$ BOr{Z`[aJ VWm _gO AmoEZOrgr
ZoeZb B`moaog H$nZr H$mo Omar nm{bgr`m
nXmè (ao\$ab) H$n{Z`m| H$m AZw_moXZ
14-07-2010
26-07-2010
26-07-2010
26-07-2010
27-07-2010
221
hdmBA> Xm{`d ~r_m nm{bgr ZoeZb Be`maog

H$nZr
Eg~rAmB bmB\$ B`moaog H$mo H$maU
~VmAm| Zmo{Q>g
dm{fH$ [anmoQ>
2010-11
Omar... gbH$ 8

H$.g.
gX^ g`m
Omar H$aZo H$s {V{W
{df`
34.
AmBAmaS>rE/EgrQ>r/AmoAmaS>r/
AmoAmaS>r/123/07/2010
`yEbAmBnr/124/08/2010
AmBAmaS>rE/EbAmBE\$B/E_ AmB
Eggr/grAmBAma/125/08/2010
AmBAmaS>rE/EbAmBE\$B/grAmB
AmE/E_AmBEggr/126/08/2010
EbgrB/127/08/2010
AmBAmaS>rE/EbAmBEH$B/E_AmBEggr/
AmBAmaS>rE//EZEb/AmoAmaS>r/Ama
AmBEZ/130/08/2010
AmBAmaS>rE/EZEb/AmoAmaS>r/AmaAmBEZ/
AmBEZ/132/08/2010
AmBEZ/132/08/2010
AmBAmaS>rE/EnES>Amg/AmoAmaS>r/
E\$ES>E/133/08/2010
E\$ES>E/134/08/2010
EbgrB/135/08/2010
136/08/2010
AmBAmaS>rE/EMEbQ>r/E_AmBEggr/
AmBAmaS>rE/grES>r/grAmBAmma/E
EOrEZ/137/08/2010
AmBAmaS>rE/grEME_/BQ>rEEgEg/
BE_Q>r/145/08/2010
AmBAmaS>rE/~rAmaHo$/AmoAmaS>r/
Ebgr/147/09/2010
AmBAmaS>rE/EZ/Eb/AmoAmaS>r/Ama
AmBEZ/148/09/2010
AmBAmaS>rE/AmBQ>r/AmoAmaS>r/E_AmBEggr/
152/09/2010
AmBAmaS>rE/AmBQ>r/AmoAmaS>r/E_AmBEggr/
153/09/2010
AmBAmaS>rE/EgrQ>r/grAmgAma/
E_AmBEggr/154/09/2010
AmBAmaS>rE/grEOrQ>rEg/OrS>rEb/
EbgrB/155/09/2010
AmBAmaS>rE/E\$ES>Ama/grAmBAma/
EE_b/158/09/2010
AmBAmaS>rE/EZEZb/grAmBAma/gr
AmaB/159/09/2010
EbgrB/165/10/2010
AmBAmaS>rE/EZEb/AmoAmaS>r/grE_Q>r
165/10/2010
AmBAmaS>rE/E\$ES>Ama/grAmBAma/
BE_Q>r/169/10/2010
grE_nr/174/11/2010
AmBAmaS>rE/grEOrQ>rEg/nrEZQ>rgr
EbgrB/172/11/2010
AmBAmaS>rE/EbAmBE\$B/grAmBAma/
AmaBEn/179/11/2010
EE_Eb/180/11/2010
AmBAmaS>rE/E\$ES>E/S>`y AmaEZ/
BE_Q>r/185/11/2010
AmBAmaS>rE/EnES>E/S>`yAmaEZ/
BE_Q>r/184/11/2010
27-07-2010
WVr` {ZajU na 10 bmI nE H$m XS>Eg~rAmB bmB\$ B`moaog

`y{bg na nQ>rH$aU
35.
36.
37.
38.
39.
40.
41.
42.
43.
44.
45.
46.
47.
48.
49.
50.
51.
52.
53.
54.
55.
56.
57.
58.
59.
60.
61.
62.
63.
64.
65.
66.
67.
04-08-2010
05-08-2010
09-08-2010
{d {d {d m{YH$aU (~r_m {dkmnZ Ama H$Q>Z)

gemoYZ {d{Z`_, 2010
_mJXeZ `dWm - {Za>rH$aU
11-08-2010
_mJXeZ H$ama go {ZJ_ EO|gr _| gH$_U
16-08-2010
OrdZ ~r_m CnmXm| H$m {dkmnZ
17-08-2010
23-08-2020
hdmB AS>h Xo`Vm ~r_m go g~{YV H$aU _| Amo[aòQ>b

Bàog H$.{b. Ho$ [Ibm\$ ~r{d{dm{YH$aU H$m AmXoe
hdmB A>m Xo`Vm ~r_m nm{bgr Ho$ g~{YV H$aU _| `wZmBQ>oS>
B{S>`m B`moaog H$.{b. Ho$ {Ibm\$ ~r{ddm{YH$aU H$m AmXoe
hdmB A>m Xo`Vm ~r_m g| g~{YV H$aU _| BH$mo Q>mo{H$`mo
OZab Bàmog H$.{b. Ho$ {Ibm\$ ~r{d{dm{YH$aU H$m AmXoe
_gO ^maVr ,Egm bmB\$ B`moaog H$nZr Ho$ {Ibm\$
m{YH$aU H$m AmXoe
_Og ^maVr EgE OZab Be`moaog H$.{b. Ho$ {Ibm\$
m{YH$aU H$m AmXoe
{ZJ_ EOoQ>m| mam nZ H$mS> Amd`H$VmE
24-08-2010
BboQ>m{ZH$ boZXoZ, emgZ VWm {ZnQ>mZ Umbr
24-08-2010
dm` ~r_oXmdo H$m {ZnQ>mZ - ZH$Xa{hV AmYa na
24-08-2010
nm{bgr XVmdoO na EOogr `mam| H$m H$Q>rH$aU
31-08-2010
BboQ>m{ZH$ boZXoZ, VWm {ZnQ>mZ Umbr {d{Z`_m| na EgnmoOa mn
31-08-2010
W_ nmMdf] _| ~Y `` H$s gr_m
01-09-2010
03-09-2010
~moqH$J bmBgog (g`w$) Ho$ ZdrH$aU H$s AZw_{V _mJZo Ho$ {XZmH$
16-2-2010 Ho$ AmdoXZ-n H$m AdrH$aU
MoVmdZr VWm XS>
03-09-2020
AmBOrE_Eg Umbr H$m H$m`d`Z
06-09-2010
lr _wH$_b Hw$_ma MmYar Ho$ bmBg|g H$m {Zb~Z (gn|eZ)
09-09-2010
Jm_rU Ama gm_m{OH$ jo Ho$ {bE _mZH$ ~r_m CnmX H$m g{`$
nHo$O EgnmoOa mn
S>mH${d^mJ H$mo H$mnm}aoQ> EO|gr bmBg|g drH$V H$aZo Ho$ {bE
{d{^Z \o$_dH$
~r_m H$VmAm| Ho$ {bE EE_Eb/grE\$Q>r {Xem {ZX}e
17-08-2010
17-08-2010
20-08-2010
20-08-2010
14-09-2010
24-09-2010
27-09-2010
14-10-2010
18-10-2010
OZab B`moaog mam, ~H$ H$mo {dn{UV {H$E Om aho Ho${S>H$ ~r_m
H$dg H$s OmM
ZJ{_H$ EOogr bmBgog drH$V H$aZo Ho$ {bE \o$_dH$
04-11-2010
Xoe Ho$ AmnXm ~YH$ \o$_dH$ hoVw ~r_m CnmXm| Ho$ AmYmZ
(E~oqS>J) hoVw g{_{V H$m JR>Z
~r_m {Z`_mdbr 1939 Ho$ {Z`_ 17B Ho$ gmW ~r_m A{Y{Z`_
1938 Ho$ n[aN>oX 40gr Ho$ AVJV ~YZ Ho$ IM]
~r_mH$V go g~{YV am{e H$m Q>rQ>_oQ>
04-11-2010
gm_m` OZVm Ho$ AZ{YH$V H$mO Ho$ ~mao _o gmdO{ZH$ gyMZm
11-11-2010
nam_e H$n{Z`m| Ho$ nOrH$aU hoVw nmoQ>b
12-11-2010
H$mbo YZ H$mo ~Y ~ZmZo Ho$ {Ibm\$ VWm AmVH$dmX Ho$ {dnmofU Ho$
{Ibm\$ {Xem {ZX}e
~r_m A{Y{Z`_, 1938 Ho$ n[aN>oX 40gr Ho$ mdYmZ H$m
CKZ
~r_m{Z`_mdbr 1939 Ho$ {Z`_ 17 S>r Ho$ gmW n{R>V ~r_m
A{Y{Z`_, 1938 Ho$ n[aN>oX 40~r Ho$ mdYmZm| VWm
21-10-2010
18-11-2010
18-11-2010
222
dm{fH$ [anmoQ>
2010-11
Omar... gbH$ 8

H$.g.
68.
69.
70.
71.
72.
73.
74.
75.
76.
77.
78.
79.
80.
81.
82.
83.
84.
85.
86.
87.
88.
89.
90.
91.
92.
93.
94.
95.
96.
97.
98.
99.
100
101
gX^ g`m
BE_Q>r/183/11/2010
drAmBnr/187/11/2010
AmBAmaS>rE//EnES>AmB/AmoAmaS>r/
BE_Q>r/192/11/2010
AmBAmaS>rE//~rAmaHo$/AmoAmaS>r/
Eb.gr/194/11/2010
Ebgr/199/11/2010
AmBAmaS>rE/E\$ES>AmB/grAmB/Ama
OrEbS>r/202/12/2010
AmBAmaS>rE/E\$ES>E/AmoAmaS>r/
BE_Q>r/203/12/2010
grAmaB/205/12/2010
AmBAmaS>rE/ES>rE_EZ/grAmBAma/
E_AmBEggr/206/12/2010
AmBAmaS>rE/ES>rE_EZ/AmoAmaS>r/
E_AmBEggr/207/12/2010
AmBAmaS>rE/EZEb/nrAma/grAmBB/
208/12/2010
AmBAmaS>rE/EZEb/EZQ>rgr/000/
211/12/2010
E_nrEb/212/12/2010
AmBAmaS>rE/EZEb/AmmoAmaS>r/
OrAma~r/213/12/2010
AmgAmaS>rE/grEOrQ>rEg/AmoAmaS>r/
OrAma/dr/214/12/2010
AmBAmaS>rE//~rAmaHo$/AmoAmaS>r/
Ebgr/215/12/2010
AmBAmaS>rE/EOrE_EZ/AmoAmaS>r/
E_AmBEggr/216/12/2010
AmBAmaS>rE//E\$ES>AmB/grAmBAma/
AmoAmoAmo/218/12/2010
AmBAmaS>rE/EbAmgE\$B/grAmBAma/
E_.AmB Eg gr/001/01/2011
E_AmBEggr/002/01/2011
AmBAmaS>rE/AmBQ>r/grAmBAma/
E_AmBEggr/004/01/2011
AmBAmaS>r/EZEb/grAmgAma/
E\$ES>`y/003/01/2011
AmBAmaS>rE/Q>rnrE/OrS>rEb/grAmBAma
008/01/2011
AmBAmaS>rE/EnES>E/grAmBAma/
EgAmoEbdrEZ/011/01/2011
AmBAmaS>rE/grES>r/S>`y AmaEZ/
grnrAma/02/01/2011
AmBAmaS>rE/EbAmBE\$B/OrEbS>r/
013/02/2011
AmBAmaOrE/E\$ES>AmB/grAmBAma/
E\$ES>E/015/02/2011
AmBAmaS>rE/grES>r/grAmBAma/
EOrEZ/017/02/2011
AmBAmaS>rE/grES>r/OrS>rEb/
EZOrEZ/016/02/2011
E_AmBEggr/019/02/2011
AmBAmaS>rE/EMEbQ>r/E_AmBEggr/
030/02/2011
AmBAmaS>rE/grEME_/E_AmBEggr/
Omar H$aZo H$s {V{W
{df`
18-11-2010
m{YH$aU Ho$ {ZXom| H$m CKZ

~r_m A{Y{Z_`, 1938 Ho$ n[aN>oX 40E Ho$ AVJV H$mamo~ma Ho$
Ho$ nhbo 10 dfm] H$s `m`m
n{adVZerb ~r_m CnmX
23-11-2010
25-11-2010
30-11-2010
_Og Q>mQ>m EAmBOr bmB\$ B`moaog H$nZr Ho$ {Ibm\$

AmXoe
_Og {d{bg g{S>`m B`moaog ~moH$g mBdoQ> {b. H$m
H$m {ZQ>VrH$aU
~moH$a bmBgog g. 306 H$m {ZaVrH$aU
08-12-2010
gyMZmAm| Ho$ AmXZ XmZ g~Yr Zr{VJV {Xem {ZX}e
08-12-2010
~Y na ``-_gO _g ~ynm VWm _. Eg~rAmB OZabH$mo Ny>Q>
09-12-2010
Ho${S>H$ Orò na {Xem {ZX}e
09-12-2010
Q>mH$ Q>oqS>J
09-12-2010
~r_m A``Z Ho$ {bE `wJmVa H$mo ghm`Vm
13-12-2010
Q>oS>Ho${S>H$ ~r_m-{Xem{ZX}e
17-12-2010
17-12-2010
n[anm|/{Xe {ZX}em| H$m AZwnmbZ Z H$aZo na, _Og Amo[a`Q>b

B`moaog H$nZr {b.H$mo H$maU ~VmAm| Zmo{Q>g
dm{Up`H$ _moQ>a VVr` nj Xo`Vm gwajm na g{_{V
21-12-2010
_Og A{^Zd Q>oS>g H$s {eH$m`V
21-12-2010
_Og A{YZd Q>oS>g H$m {eH$m`VH$mnm}aoQ> EOoQ>g {d{Z`_ Ho$ {Ibm\$

_gO {abmò~b Be`moaog ~moH$g mBdoQ> {b{_Q>oS> Ho$ ZdrH$aU
AmdoXZ n H$mo AdrH$ma H$aZm
31 _mM 2010 H$s pW{V _|, gaH$mar jo Ho$ Ja-OrdZ ~r_m
H$VmAm| Ho$ Xmdm mdYmZm| H$mo {dbofU
Jagh^mJr {Z{Y`m| go hE A{Yeof H$mo bm^-hm{Z boIo _|, bm^
/hm{Z Ho$ n _| _mZZm
~r_m A{Y{Z`_, 1938 Ho$ n[aN>oX 64 dr gr H$m AZwnmbZ
Z {H$`m OmZm
gm_y{hH$ ~r_m nm{b{g`m| Ho$ ~mao _| {Xem {ZX}e
26-11-2010
22-12-2010
24-12-2010
27-12-2010
27-12-2010
04-01-2011
04-01-2010
06-01-2010
31 _mM 2010 H$s pW{V _| {ZOr jo Ho$ Ja-OrdZ ~r_m

H$VmAm| Ho$ Xmdm mdYZm| H$m {dbofU
Cn`moJ H$Vm H$mb ~YZ Ho$ {bE ghm`Vm S>oH$
06-01-2010
gmYmaU ~r_m CnmX - \$mBb ES> `yO eVm] H$m AZwnmbZ
12-01-2011
ZoQ>dH$ AnVmbm| VWm Q>rnrE _| ~Xbmd
27-01-2011
eYj_Vm H$s JUZm Ho$ {bE Ho$ Ama am` gaH$mam| go

m r{_`_ H$m _yb`mH$Z
nm{bgrYmaH$ gwajm {d{Z`_ 2002 Ho$ {d{Z`_ 8
Ho$ mdYmZ| H$mo CKZ
~r_m H$n{Z`m| mam H$m`m] H$s AmCQ> gmo{gJ Ho$ g~Y _|
{Xem {ZX}e
dm` jo Ho$ {bE Ja-OrdZ ~r_m H$n{Z`m| mam Ag_mhV
Omo{I_ hoVw ma{jV am{e H$m {Z_mU
`{$JV EO|Q>m| Ho$ g~Y _| {Xem {ZX}e
31-01-2011
01-02-2011
02-02-2011
02-02-2011
02-02-2011
08-02-2011
OrdZ ~r_mnm{bgr`m| H$mo ~ZmE aIZo Ho$ g~Y _| `{$JV EOoQ>m|

Ho$ {bE {Xem {ZX}e
~r_m nm{b{g`m| H$mo Omar H$aZo Ho$ {Xem{ZX}em|
na g{_{V
^maVr` nwZ~u_mH$VmAm| Ho$ gmW nwZ~u_m-~m`VmXmar AnU
10-02-2011
dm` ~r_m nm{b{g`m| H$s gwdmVm (nmoQ>}{~{bQ>r)
10-02-2011
{d{^ gaH$mam| mam m`mo{OV ~r_m `moOZmE
02-02-2011
223
dm{fH$ [anmoQ>
2010-11
Omar... gbH$ 8

H$.g.
gX^ g`m
Omar H$aZo H$s {V{W
{df`
102
AmBAmaS>rE/grEME_/EAmBEggr/
AmBAmaS>rE/EOrQ>rEg/E_AmgEggr/
OrES>r/031/02/2011
Ebgr/035/02/2011
AmBAmaS>rE/grEOrQ>rEg/AmoAma
S>r/nrEZEb/034/02/2011
S>r/nrEZEb/033/02/2011
AmBAmaS>rE/~rAmaHo$/Ebgr/043
02/2011
11-02-2011
11-02-2011
{XZmH$ 10-02-2011 Ho$ n{a>n AmBAmaS>rE/grEME_/

29/02/2011 H$m AZwnyaH$ (ES>og_)
`{$JV EO|Q>m| go g~{YV {Xem{ZX}e
14-02-2011
~moH$a bmBg|g g. 204 H$m aXXH$aU
14-02-2011
AmBAmS>rE/EgrQ>r/grAmBAma/
OrBEZ/045/03/2011
AmBAmaS>rE/EZEb/AmoAmaS>r/E_nrEb/
046/03/2011
E_AmBEggr/051/03/2011
AmBAmaS>rE/grES>r/EOrEg/
052/03/2011
AmBEZdr/053/03/2011
AmBAmaS>rE/~rAmaHo$/AmoAmaS>r/Ebgr/
054/03/2011
AmBAmaS>rE/ES>rE_EZ/OrS>rEb/E_
AmBEggr/059/04/2011
AmBAmaS>rE/E\$ES>E/grAmBAma/
EgAmoEbnr/063/04/2011
AmBAmaS>rE/EZEb/nrAma/E_Amo
Q>rnr/067/04/2011
AmBAmaS>rE/EZEb/EZQ>rE\$EZ/E_
AmoQ>rnr/066/04/2011
AmBAmaS>rE/~rAmaHo$/AmoAmaS>r/Ebgr/
068/04/2011
AmBAmaS>rE/EnES>E/grAmBAma/
EgAmoEgnr/069/04/2011
AmBAmaS>rE/ES>rE_EZ/OrS>rEb/
OrEbS>r/080/04/2011
AmBAmaS>rE/ES>rE_EZ/ES>rdrQ>r/
E_AmBEggr/079/04/2011
grOr/081/05/2011
AmBAmaS>rE/ES>rE_EZ/nrEZQ>rgr/
EgAmBEggr/086/05/2011
OrAmadr/101/05/2011
AmBAmaS>rE/EbAmBE\$B/grAmBAma/
E_AmBEggr/103/05/0211
nr~rS>rAmBEg/105/05/2011
AmBAmaS>rE/EgrQ>r/grAmBAma/E_AmBEggr
111/05/2011
AmBAmaS>rE/~rAmaHo$/AmoAmaS>r/EbEg/
110/05/2011
AmBAmaS>rE/EbAmBE\$B/grAmB
Ama/E_AmBEggr/113/06/2011
AmBAmaS>rE/EOrQ>rgr/grAmBAma/
~rEEZgr/115/06/2011
AmaEgEg/114/06/2011
S>r/nrEZEb/127/06/2011
AmBAmaS>rE/grEOrQ>rEg/AmoAmoa
nrEZEb/126/06/2011
S>r/nrEZEb/125/06/2011
S>r/nrEZEb/123/06/2011
07-03-2011
12-03-2011
_Og g|Q>b ~H$ Am\$ B{S>`m Ho$ {Ibm\$ ~r{d{H$ m{YH$aU

H$m AmXoe
_Og Mmobm_S>b_ OZab B`moaog H$nZr Ho$ {Ibm\$
~r{d{Zm{YH$aU H$m AmXoe
_Og AW Bàog ~mo{H$J g{dgoO {b{_Q>oS> {Ogo nhbr
Q>mZ B`moaog ~moqH$J g{dgoO {b. H$hm OmVm Wm, Ho$ ~moH$a
bmBg|g g. 373 H$m aH$aU
31 _mM 2011 H$mo g_m df hoVw ~r_mH$H$ [anmoQ> Ama gma
V`ma H$aZo Ho$ {bE {Z`w$ ~r_mH$H$m| Ho$ Cn`moJ hoVw ZmoQ>
_moQ>a VVr` njH$ma nyb [aOg VWm boIo [aOgd
18-03-2011
_Og [abm`g OZab BQ>mmoaog H$nZr H$s OmM
24-03-2011
EO|Q>m| go g~{YV {Xem{ZX}e
29-03-2011
1) `y{bn-{Z{Y AZw_moXZ {H$`m VWm

2) EZ E dr {H$`m - Ho$ g~Y _|
~moH$g bmBg|g H$m aH$aU-_gO EgEZ Ho$ B`moaog
~mH$g bmBg|g g. 322
~r_m CnmXm| Ho$ Xya-{dnUZ na {Xem {ZX}e
103.
104.
105
106.
107.
108.
109.
110.
111
112
113
114.
115.
116.
117
118.
119.
120.
121.
122
123
124
125
126
127
128
129.
130.
131.
132.
133.
134.
135.
14-02-2011
25-02-2011
31-03-2011
05-04-2011
13-04-2011
15-04-2011
15-04-201
emoYjVm (gmdogr) pW{V H$s JUVm hoVw H|$/am` gaH$mam|

go m` r{_`_ H$m _y`mH$Z
_moQ>a VVr` njH$ma (Q>rnr) Xm{`d gwajm
18-40-2011
Ho$db VVr` njH$ma Xm{`d gwajm Ho$ {bE _moQ>ma ~r_m

r{_`_ Xa|
~moH$a bmBg|g H$m aH$aU
19-04-2011
H$_Mm[a`m| H$s Jo`wVr gr_m H|$ d{ Ho$ H$maU {dmr` ^md
29-04-2011
02-05-2011
~r_m {ZjoUJmoam ([anmoQ>arO) VWm ~r_m nm{bg`m| H$mo {dwVr`

hQ>rHo$ Oo ôOZo g~Yr {Xem{ZX}e
CmoJ-dma, KS>r H$s H${m`m| Ho$ {dbofU Ama [anmo{Q>J hoVw
Vmd Ho$ {bE AZwamoY
{ZJ{ZÙ (H$mnm}aoQ> JdZ}g) {Xem {ZX}em| H$m AZwnmbZ
04-05-2011
~r_m {ZjonmJma ([anmoqQ>JarO) AmdoXZ \$m_ _JdmZm
16-05-2011
26-05-2011
gwZdmB _Og _oQ>bmB\$ B{S>`m B`moaog H$nZr - Cn^moVm

_m_bm| go g~{YV H$aUm| na
~r_m H$n{Z`m| mam H$m`m] H$s AmCQ>gmoqgJ {df` na Omar
{Xem{ZX}em| Ho$ g~Y _| n>r H$aU
~r_m H$n{Z`m| mam gmdO{ZH$ H$Q>Z
26-05-2011
Ja-OrdZ CmoJ Ho$ {bE Am{W nyOr
26-05-2011
06-06-2011
_Og OrdZ gwajm B`moaog ~moqH$J g{dgoO mBdoQ> {b{_Q>oS>

Ho$ bmBgog na {Zb~Z AmXoe
Wm`r g{_{V H$m JR>Z
07-06-2011
~E`moaog na g{_{V H$s [anmoQ>
07-06-2011
10-06-2011
~r_m A{Y{Z`_, 1938 Ho$ n[aN>oX 105~r Ho$ VhV

XS> bJmZm
_gO ZoeZb B`moaog H$nZr
10-06-2011
_Og X `y B{S>`m Eàmoaog H$nZr {b{_Q>oS>
10-06-2011
_gO B\$H$mo Q>mo{H$`m| OZab Be`moaog H$nZr
10-06-2011
_gO ~OmO Am{b`mO OZab Be`moaog H$nZr
29-04-2011
18-05-2011
224
dm{fH$ [anmoQ>
2010-11
Omar... gbH$ 8

H$.g.
gX^ g`m
Omar H$aZo H$s {V{W
{df`
136.
S>r/nrEZEb/123/06/2011
AmBAmaS>rE/grEOrQ>rEg/AmoAmaS>r
nrEZEb/122/06/2011
AmBAmaS>rE/E\$ES>E/AmoAmaS>r/
BE_Q>r/130/06/2011
AmBAmaS>rE/EgrQ>r/AmoAmaS>r/
E_ AmB Eg gr/131/06/2011
AmBAmaS>rE/EZEb/nrEAma/EMEb
Q>rEM/136/06/2011
AmBAmaS>rE/E\$ES>AmB/grAmB
Ama/EE_Eb/145/06/2011
E_E_Eb/151/07/2011
E_AmBEggr/158/07/2011
AmBAmaS>rE/grAmBAma/E_AmB
Eggr/159/07/2011
AmBAmaS>rE/EZEb/grAmBAma/EM
EMQ>rEM/160/07/2011
Ebgr/161/07/2011
AmBAmaS>rE/grES>r/AmoAmaS>r
grnrAma//1170/07/2011
AmBAmaS>rE/E\$ES>AmB/grAmBAma
AmBEZ/173/08/2011
AmBAmaS>rE/EgrQ>r/nrEZQ>rgr/
AmBEZdr/179/08/2011
nrAmaS>r/181/08/2011
EbAmgE\$/180/08/2011
Q>rAmaEgEM/183/08/2011
Ebgr/186/08/2011
AmBAmaS>rE/E\$ES>Amg/grAmB
Ama/AmBEZdr/187/08/2011
E_AmBEggr/194/08/2011
EgAmoEbnr/195/08/2011
AmBAmaS>rE//EbAmBE\$B/AmoAmaS>r/
E_AmBEggr/201/08/2011
grnrE_/204/08/2011
AmBEZdr/203/08/2011
EMEbQ>rEM/207/09/2011
AmBAmaS>rE/EMEMQ>r/E_AmBEg
gr/grAmBAma/209/09/2011
AmBAmaS>rE/EZEb/AmoAmaS>r
grE_Q>r/214/09/2011
AmBAmaS>rE/EMEbQ>r/E_AmBEg
gr/grAmBAma/216/09/2011
AmBAmaS>rE/EbAmBE\$B/OrS>rEb/
217/09/2011
AmBAmaS>rE/EZEb/OrS>rEb/
E_AmBEggr/218/09/2011
AmBAmaS>rE/EbAmBE\$B/gr
AmBAma/OrEbS>r/219/09/2011
Ebgr/224/09/2011
E\$ES>`y/226/09/2011
10-06-2011
_gO AmBgrAmBgrAmB bmo~mS> OZab Be`moaog H$nZr
10-06-2011
_gO am`b gwXa_ Ebm`g OZab B`moaog H$nZr
10-06-2011
nwZ~r_m AmH$S>o {V_mhr AmYma na VwV H$aZm
20-06-2011
{Z`_ 17B Ho$ VhV {d_w{$ (EOoeZ) AmXoe
21-06-2011
~r_mH$H$ Wm`r g{_{V H$m JR>Z
24-06-2011
30-06-2011
EE_Eb/gr\$Q>r {Xem{ZX}em| na _mQ>a n[an 2010 Ho$ IS>
04-07-2011
~ZmZo go amooH$Zm VVr` gemoYZ {Z`md{b, 2010
08-07-2011
A`j Ho$ gmW `{$JV gwZdmB Eg~r AmB bmB\$ B`moaog

70 bmI nò H$m XS>
~r_mH$VmAm| H$s nm{bgr`m|, Xmdm| Ama H$m`mb`m| go g~{YV H$mao~mar
OZmH$mar H$m VwVrH$aU
EgnmoOa mn - VVr` njH$ma emjH$
137
138
139
140
141
142
143
144
145
146
147
148
149
150.
151.
152
153
154.
155.
156
157.
158.
159.
160.
161.
162.
163.
164.
165.
166.
167.
168.
169.
08-07-2011
11-07-2011
12-07-2011
26-07-2011
_gO EWoZm B`moaog ES> arB`moaog ~moH$g nmBdoQ> {b. H$m

AmXoe aH$aU
_gO X `y B{S>`m Eàmoaog H$nZr {b{_Q>oS> Ho$ {Ibm\$ AmXoe
01-08-2011
`y{bn-{Z{Y AZw_moXZ {H$`m d EZ E dr {H$`m
08-08-2011
n[agn{m Xo`Vm ~Y VWm Xdmd narjU (Q>>gQ>opQ>J) na

EgnmoOa mn (S>mQ>)
noeZ CnmXm| na EnmoOa mn (S>mQ>)
08-08-2011
08-08-2011
11-08-2011
16-08-2011
n[agn{m Xo`Vm ~Y VWm X~md narjU (Q>>gQ>opQ>J) na

EgnmoOa mn (S>mQ>) - OrdZ
eoàm| H$m AVaU
17-08-2011
~moH$a bmBg|g g. 333 H$m aH$aU (_gO A{eH$m B`moaog ~moqH$J

ES> [aH$ _ZoO_oQ> mBdoQ> {b{_Q>oS>)
{Z{Y AZw`moXZ {H$`m VWm EZEdr mogog na {Xem{ZXoe
23-08-2011
_gO AmZX_ ES> H$nZr H$mo m{YH$V H$aZm
24-08-2011
_moQ>a VVr` njH$ma nyb Ho$ g~Y _| JaOrdZ ~r_m H$m emoYj_ _m{OZ
30-08-2011
30-08-2011
_gO lram_bmB\$ B`moaog H$nZr {b{_Q>oS> Ho$ _m_bo _| `{$JV

gwZdmB
~r_m A{Y{Z`_, 1938 Ho$ n[aN>oX 102 Ho$ VhV XS> bJmZm
30-08-2011
doMa {Z{Y`m| _o {Zdoen>rH$aU
06-09-2011
~r_m H$n{Z`m| go A{V[a$ A` gWmAm| mam noe H$s JB

dm` ~r_m `moOZmAm| H$s g{dqgJ
12-09-2011
16-09-2011
19-09-2011
20-09-2011
20-09-2011
21-09-2011
22-09-2011
27-09-2011
*30 {gV~a 2011 VH$ Omar.
225
^maVr` ~r_m ~mOma Ho$ {bE ^maV {d{e> EH$moS> (EgrAmoAmaS>r)

_mZXS> ~ZmZm
gy{MV H$aZo/XVmdoO VwV H$aZo _| Xoar Ho$ H$maU Xmdm| H$m
AdrH$ma H$aZm
OrdZ ~r_m nm{b{g`m| H$mo {ZaVa Omar aIZo hoVw `{$JV EOoQ>m| Ho$ {bE
{Xem{ZX}em| _| AmemoYZ
`{$JV EOoQ>m| go g~{YV {Xem {ZX}em| _o AmemoYZ
~r_m H$n{Z`m| mam AnZo H$m`m] H$s AmCQ> gmo{gJ {df` na Omar
{Xem {ZX}em| Ho$ g~Y _| n>rH$aU
_gO ho[aQ>oO B`moaog ~moH$g nmBdoQ> {b{_Q>o H$m, bmBg|g Ho$ ZdrH$aU
Ho$ {bE _Zmhr
dm_r-_m{bH$ VWm _moQ>a nHo$O nm{bgr _| Zm_ {XE JE `{$`m| H$mo XmZ
H$s JB `{$V XwKQ>Zm ~r_m gwajm _| Zm_mH$Z H$m mdYmZ
dm{fH$ [anmoQ>
2010-11
gbH$ 9
AmBAmaS>rE A{Y{Z`_, 1999 Ho$ AYrZ ~Zmò Jò {d{Z`_Z #

A{YgyMZm
H$.g.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38.
39
40
41
42
43
44
45
46
47
48
49
50
51
52
52
#
AmBAmaS>rE (~r_m gbmhH$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{ZXoeZ, 2000
AmBAmaS>rE (~r_mH$H$ [anmoQ> VWm E~Q>Q>g) {d{ZXoeZ, 2000
AmBAmaS>rE (~r_m EOoQ>m| H$m bmBg|grH$aU), {d{ZXoeZ, 2000
AmBAmaS>rE (~r_mH$Vm H$s gn{m, Xm{`d Ama gmodogr _m{Og) {d{ZXoeZ, 2000
AmBAmaS>rE (gmYmaU ~r_m-nwZ~u_m) {Zd{ZXoeZ, 2000
AmBAmaS>rE (^maVr`` ~r_m H$n{Z`m| H$m nOrH$aU) {d{ZXoeZ, 2000
AmBAmaS>rE (~r_m ES>dQ>mBO_|Q> VWm {S>H$bmo) {d{ZXoeZ, 2000
AmBAmaS>rE (Amo{bJoeg Am\$ B`yag Qy> ab gmoeb goQ>a), {d{ZXoeZ, 2000
AmBAmaS>rE (~R>H$) {d{ZXoeZ, 2000
AmBAmaS>rE (~r_m H$n{Z`m| H$m {d{m` {ddaU d boIm narj`m| H$s [anmoQ> V`ma H$aZm), {d{ZXoeZ, 2002
AmBAmaS>rE ({Zdoe) {dZXe
o Z, 2000
AmBAmaS>rE (Am{\$gg Ed A` H$_Mm[a`m| H$s H$m` H$aZo Ho$ {Z`_) {d{ZXXoeZ 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{ZXoeZ, 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{ZXoeZ, 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$s gwajm) {d{ZXoeZ, 2002
AmBAmaS>rE (~rm Xbmb) {d{ZXe
o Z, 2002
AmBAmaS>rE (AmopbJoeg Am\$ B`yag Qy> ab gmoeb goQ>a) {d{ZXoeZ, 2002
AmBAmaS>rE (H$mono[aQ> ES>|Q>g H$m bmBg|grH$maU) {d{ZXoeZ, 2002
AmBAmaS>rE (~r_m EMoQ>m| H$m bmBg|grH$aU) (A_oS>_|Q>), {d{ZXoeZ, 2002
AmBAmaS>rE (~r_m YmaH$m|Ho$ {hV H$s gwajm) (_oS>_|Q>) {d{ZXoeZ, 2002
AmBAmaS>rE (_oZa Am\$ {a{gQ> Am\$ r{_`_), {d{ZXoeZ, 2002
AmBAmaS>rE {S>pQ>yeZ Am\$ gabg) {d{ZXoeZ, 2002
AmBAmaS>rE (^maVr` ~r_m H$n{Z`m| H$m nOrH$aU) (_oS>_|Q>), {d{ZXoeZ, 2003
AmBAmaS>rE ({Zdoe) (_AoS>_|Q>) {d{ZXoeZ, 2004
AmBAmaS>rE (~r_mH$H$ H$s `mo`Vm) {d{ZXoeZ, 2004
AmBAmaS>rE (~r_m ghbmH$ma g{_{V) {d{ZXe
o Z, 2005
AmBAmaS>rE (gyj_ ~r_m) {d{ZXe
o Z, 2005
AmBAmaS>rE (gd Nw>>r), 2005
AmBAmaS>rE (nwZ~u_m AÙ) A{YgyMZm
AmBAmaS>rE (~r_m A{^H$VmAm| H$m nOrH$aU) (_oS>_|Q>) {d{ZXoeZ, 2007
AmBAmaS>rE ({ZJ_r` A{^H$VmAm| H$m nOrH$aU) (A_oS>_|Q>) {d{ZXoeZ, 2007
AmBAmaS>rE (~r_m Xbmb) (_oS>_|Q>) {d{ZXoeZ, 2007
AmBAmaS>rE (~r_mH$VmAm| H$m Jm_rU AWdm gm_{OH$ jo Ho$ {V Xm{`d) (Vrgam A_oS>_|Q>) {d{ZXoeZ, 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$Vm), {d{Z`_, 2010
AmBAmaS>rE (Ja OrdZ~r_m `mnma Ho$ g_m_obZ Ama AVaU H$s `moOZm) {d{Z`_, 2011
gaH$mar amOn _| A{Ygy{MV
226
ANNUAL REPORT 2010-11
ANNUAL REPORT
2010-11

INDIA
Head Office
INDIA
Phone : +91-40-2338 1100 / 1300
Fax : +91-40-6682 3334
Delhi Office
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
BLANK

INSURANCE REGULATORY AND
DEVELOPMENT AUTHORITY
nmaJ_Z n
g{Md,
Am{WH$ H$m` {d^mJ, {dm _mb`
Vrgam Vb, OrdZXrn {~pS>J,
ggX _mJ,
Z`r {Xbr-110 001
24 Zd~a, 2011
lr_mZ,
h_ ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$maU A{Y{Z`_, 1999 H$s Ymam 20 Ho$ Cn~Ym| Ho$ AZwgma, 31 _mM 2011 H$mo g_m hò df Ho$
{bò m{YH$aU H$s dm{fH$ [anmoQ> H$s EH$ {V, A{Ygy{MV ~r.{d.{d.m. (dm{fH$ [anmoQ> {dda{U`m|, {ddaUm| Ama A` {d{e>`m| H$mo VwV
{H$`m OmZm) {d{Z`_, 2000 Ho$ {d{hV m$n _| ôO aho h &
^dXr`,
(Oo h[a ZmamÙ)

LETTER OF TRANSMITTAL
24th November, 2011
To
The Secretary,
Department of Financial Services
Ministry of Finance
3rd Floor, Jeevan Deep Building
Parliament Street
New Delhi 110 001
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, 2011 in the format prescribed in the IRDA (Annual Report Furnishing of returns, statements
and other particulars) Rules, 2000.
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
BLANK
CONTENTS
MISSION STATEMENT
TEAM AT IRDA
OVERVIEW
.....
PART I
POLICIES AND PROGRAMMES
I.1
General Economic Environment
.....
I.2
World Insurance Scenario
.....
I.3
Appraisal of Indian Insurance Market
.....
13
I.4
Review
I.4.1 Protection of Interests of Policyholders
.....
37
I.4.2 Maintenance of Solvency Margins of Insurers
.....
39
I.4.3 Monitoring of Reinsurance
.....
40
I.4.4 Insurance Pools
.....
42
I.4.5 Monitoring of Investments by the Insurers
.....
45
I.4.6 Health Insurance
.....
47
I.4.7 Business in the Rural and Social Sector
.....
50
I.4.8 Financial Reporting and Actuarial Standards
.....
51
I.4.9 Anti-Money Laundering/Counter-Finance of Terrorism
.....
53
I.4.10 Crop Insurance
.....
53
I.4.11 Micro Insurance
.....
54
I.4.12 Directions, Orders and Regulations Issued by the Authority
.....
60
I.4.13 Right to Information Act
.....
60
PART II
REVIEW OF WORKING AND OPERATIONS
II.1
Regulation of Insurance and Reinsurance Companies
.....
61
II.2
Intermediaries Associated with the Insurance Business
.....
62
II.3
Litigations, Appeals and Court Pronouncements
.....
67
II.4
International Co-operation in Insurance
.....
70
II.5
Public Grievances
.....
71
II.6
Insurance Association and Insurance Councils
.....
73
II.7
Functioning of Ombudsmen
.....
76
iii

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

modify, withdraw, suspend or cancel such registration
.....
77
III.2
Protection of the interests of policyholders in matters concerning

assigning of policy, nomination by policyholders, insurable interest,
settlement of insurance claim, surrender value of policy and other terms
and conditions of contracts of insurance
.....
78
III.3
Specifying requisite qualifications, code of conduct and practical

training for intermediaries or insurance intermediaries and agents
.....
78
III.4
Specifying the code of conduct for surveyors and loss assessors
.....
79
III.5
Promoting efficiency in the conduct of insurance business
.....
80
III.6
Promoting and regulating professional organisations connected

with insurance and reinsurance business
.....
80
III.7
Levying fees and other charges for carrying out the purposes of the Act
.....
80
III.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
.....
80
III.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)
.....
81
III.10 Specifying the form and manner in which books of accounts shall be
maintained and statements of accounts shall be rendered by Insurers
and other insurance intermediaries
.....
81
III.11 Regulating investment of funds by insurance companies
.....
82
III.12 Regulating maintenance of margin of solvency
.....
82
III.13 Adjudication of disputes between Insurers and Intermediaries

or Insurance Intermediaries
.....
83
III.14 Supervising the functioning of the Tariff Advisory Committee (TAC)
.....
83
III.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)
.....
84
III.16 Specifying the percentage of life insurance business and general insurance
business to be undertaken by the insurers in the rural and social sector
.....
84
III.17 Exercising such other powers as may be prescribed
.....
85
iv

PART IV
ORGANISATIONAL MATTERS
IV.1
IV.2
IV.3
IV.4
IV.5
IV.6
IV.7
IV.8
IV.9
Organisation
Meetings of the Authority
Human Resources
Promotion of Official Language
Research & Development
Status of Information Technology in IRDA
Accounts
IRDA Journal
Acknowledgements
.....
.....
.....
.....
.....
.....
.....
.....
.....
87
87
87
87
87
88
90
90
90
.....
.....
.....
.....
.....
.....
20
31
35
38
52
57
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
10
12
13
14
15
16
16
17
17
17
18
18
19
23
24
25
26
27
27
28
28
28
29
29
29
30
30
33
LIST OF BOX ITEMS

1.
2.
3.
4.
5.
6.
Claims settlement in life insurance sector

Claims settlement in non-life insurance sector
Portability of Health Insurance Products
Integrated Grievances Management System
Economic Capital
Micro Insurance - review of past performance and road map for future
LIST OF TEXT TABLES
I.1
I.2
I.3
I.4
I.5
I.6
I.7
I.8
I.9
I.10
I.11
I.12
I.13
I.14
I.15
I.16
I.17
I.18
I.19
I.20
I.21
I.22
I.23
I.24
I.25
I.26
I.27
I.28
Real Growth in Premium during 2010

Insurance Penetration and Density in India
Registered Insurers in India (as on 30th September, 2011)
Premium Underwritten by Life Insurers
Market Share of Life Insurers
New Policies Issued : Life Insurers
Paid-Up Capital : Life Insurers
Commission Expenses of Life Insurers
Commission Expenses Ratio : Life Insurers
Operating Expenses of Life Insurers
Operating Expenses Ratio : Life Insurers
Individual Death Claims : Life Insurers
Group Death Claims : Life Insurers
Number of Life Insurance Offices
Distribution of Offices of Life Insurers
Gross Direct Premium Income in India of Non-Life Insurers
Company wise Gross Direct Premium Income in India of Non-Life Insurers
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
Number of 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
Net Incurred Claims of Non-Life Insurers
Incurred Claims Ratio
Investment Income

I.29
I.30
I.31
I.32
I.34
I.35
I.36
I.37
I.38
I.39
I.40
I.41
I.42
I.43
I.44
I.45
I.46
I.47
I.48
I.49
I.50
I.51
I.52
I.53
I.54
Net Profits/Losses of Non-Life Insurers

Dividends Paid: Non-Life Insurers
Number of Non-Life insurance offices
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 April 1, 2010)
Motor Insurance Third Party Claims
Market Share of Pool Members
Total Investments of the Insurance Sector
Total Investments of Life Insurers: Instrument-Wise
Investments of Life Insurers: Fund-Wise
Growth of Investments: Fund-Wise
Total Investments of Non-Life Insurers: Instrument-Wise
Health Insurance Premium 2006-2011
TPA Licences Renewed during 2010-11
TPA Infrastructure (2010-11)
Third Party Administrators-Claims Data
New Business under Micro Insurance Portfolio
Micro Insurance Agents of Life Insurers
Individual Death Claims under Micro Insurance Portfolio
Group Death Claims under Micro Insurance Portfolio
Duration-Wise Settlement of Death Claims in Micro Insurance - Individual Category
Duration-Wise Settlement of Death Claims in Micro Insurance - Group Category
List of Central Public Information Officers
.....
.....
.....
.....
33
33
33
40
.....
41
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
41
42
43
44
45
45
46
46
47
47
48
49
49
50
55
55
55
56
56
56
60
II.1
II.2
II.3
II.4
II.5
II.6
II.7
II.8
II.9
II.10
II.11
II.12
II.13
II.14
Details of Individual Agents : Life Insurers

Details of Corporate Agents : Life Insurers
Individual New Business Performance of Life Insurers - Channel Wise
Group New Business Performance of Life Insurers - Channel Wise
New Business Premium (Individual and Group) of Life Insurers - Channel Wise
Number of Licences Issued to Surveyors and Loss Assessors
Grievances Relating 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 the Grievances Cell : Life Insurance
Status of Grievances - Non Life Insurers during 2010-11
Disposal of Complaints by Ombudsmen during 2010-11
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
62
63
63
64
65
66
67
67
67
71
71
72
73
76
III.1
Penalties levied by the Authority during 2010-11
.....
77
I.1
I.2
I.3
I.4
I.5
I.6
I.7
LIST OF CHARTS
Insurance Density in Select Countries -2010
Insurance Penetration in Select Countries - 2010
Insurance Density in India
Insurance Penetration in India
Premium Underwritten by Life Insurers
Duration Wise Break up of Claims Pending- Individual Policies
Duration Wise Break up of Claims Pending- Group Policies
.....
.....
.....
.....
.....
.....
.....
10
11
12
13
15
19
22
I.33
vi

I.8
I.9
I.10
I.11
I.12
Number of Life Insurance Offices

Geographical Distribution of Life Insurance Offices
Gross Direct Premium Income of Non-Life Insurers
Segment-Wise Non-Life Premium
Number of Non-Life Insurance Offices
.....
.....
.....
.....
.....
24
24
25
27
34
II.1
II.2
II.3
Individual New Business Premium of Life Insurers - Channel Wise

Group New Business Premium of Life Insurers - Channel Wise
New Business Premium of Life Insurers - Individual & Group
.....
.....
.....
64
65
66
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
93
94
95
96
97
99
101
104
108
109
110
112
113
115
117
118
119
122
123
124
127
130
133
134
135
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
136
137
138
139
140
141
142
143
145
147
148
149
150
151
152
LIST OF STATEMENTS
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.
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
State Wise Group 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 of Non-Life Insurance (Within & Outside India)
Segment Wise Gross Direct Premium of Non-Life Insurers (Within India)
vii

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.
72.
73.
74.
75.
76.
77.
78.
Segment Wise Net Premium Income in India (Earned)

Health Insurance: Premium and Number of Persons Covered
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
Health Insurance: Details of Claims Paid and Incurred Claims Ratio
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 Administration No. of Claims Received & duration wise settlement of claims
Status of Grievances - Life Insurers
Status of Grievances - Non-Life Insurers
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
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
153
154
156
157
158
159
160
161
162
163
165
166
167
168
170
171
172
177
179
181
182
183
184
185
186
187
188
189
190
191
192
193
195
197
198
199
200
201
.....
.....
.....
.....
.....
.....
.....
.....
.....
.....
205
207
208
209
210
216
219
220
221
226
LIST OF ANNEX
1.
2.
3
3
4.
5.
6.
7.
8.
9.
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 2010-11
Non-Life Insurance Products cleared during the financial year 2010-11
Obligatory Cessions received by GIC
State-Wise number of Registered Brokers
Circulars / Orders / Notifications Issued by the Authority from April 2010
Regulations framed under the IRDA Act, 1999
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
BLANK
TEAM AT IRDA
J Hari Narayan
CHAIRMAN
MEMBERS
K K Srinivasan
Dr R Kannan
(upto 4th September, 2010)
(upto 1st June, 2011)
G Prabhakara
R K Nair
M Ramaprasad
(from 11th October, 2010)
PART TIME MEMBERS
Vijay Mahajan
Amarjit Chopra
(upto 6th October, 2010)
(upto 5th February, 2011)
L M Vas
Ela R Bhatt
(upto 17th August, 2011)
Prof V K Gupta
(from 7th October, 2010)
G Ramaswamy
Arvind Kumar
(from 6th February, 2011)
(from 18th August, 2011)
xi
Prabodh Chander
K Subrahmanyam
ED (NON-LIFE)
(upto 15th November, 2010)
ED (ACTUARY)
(upto 30th June, 2011)
A Giridhar
Dr D V S Sastry
ED (ADMN.)
DG (R&D)
(upto 31st July, 2010)
Kunnel Prem
CSO (LIFE)
Sriram Taranikanti
N Srinivasa Rao
FINANCIAL ADVISOR
(from 24th August, 2011)
FA & CAO
(upto 3rd May, 2011)
xii
SENIOR JOINT DIRECTORS
Suresh Mathur
M Pulla Rao
JOINT DIRECTORS
Dr Mamta Suri
Randip Singh Jagpal
Mukesh Sharma
J Meena Kumari
xiii
JOINT DIRECTORS
S N Jayasimhan
Yegna Priya Bharath
A R Nithiyanantham
Rakesh K Bajaj
A Krishnan
S K Jain
Ramana Rao A
V Jayanth Kumar
T S Naik
xiv

NAME
DESIGNATION
Raj Kumar Sharma

Mahesh Agarwal
Shyam Sunder Mohakud
P Majumder
Saneetha K A
ACCOUNTS DEPARTMENT
Deputy Director & CAO
Sr. Assistant Director
Junior Officer
Junior Officer
Assistant
J Meena Kumari
S P Chakraborty
Prabhath Kumar Maiti
J Anita
A V Rao
N S K Prabhakar
C Srinivasa Kumar
Susan Ittyerah
S Karthikeya Sharma
M B V N Murthy
D N K L N K Chakravarthy
Yogita Rawat
Lakshmi R Pillai
B Someswara Rao
Amit Srivastava
Saratchandra
Sujoy Saha
ACTUARIAL DEPARTMENT
Joint Director
Deputy Director
Deputy Director
Deputy Director
Deputy Director
Deputy Director
Deputy Director
Assistant Director
Assistant Director
Assistant Director
Assistant Director
Junior Officer
Junior Officer
Assistant
Assistant
Assistant
Mukesh Sharma
J Meena Kumari
B Raghavan
A Sageena
D Srinivasa Murthy
A Rama Sudheer
R Sangeetha
V S Narendra Chandra
Sivaprasad Yeddu
Indradeep Sah
Anurag Bajpai
ADMINISTRATION & HR DEPARTMENT

Joint Director (Admn.)
Joint Director (HR)
Sr. Assistant Director (Admn.)
Assistant Director (HR)
Sr. Assistant Director (PS to Chairman)
Junior Officer (PS to FA)
Junior Officer (PS to ED-Admn.)
Junior Officer (PS to Chairman)
Assistant (HR)
Assistant (Admn.)
Assistant
Sanjeev Kumar Jain

Gandi Venkata Ramana
AGENTS & ATI DEPARTMENT

Joint Director
Assistant
Yegna Priya Bharath

A Krishnan
T Venkateswara Rao
K Srinivas
Manoj Kumar Asiwal
Kamal Chowla
D Rajanikanth
Vinay Kumar Mathangi
Neerajmani Tripathi
CONSUMER AFFAIRS DEPARTMENT

Joint Director
Joint Director
Deputy Director
Assistant Director
Assistant Director
Assistant Director
Assistant
Assistant
Assistant
xv

FINANCE & ACCOUNTS DEPARTMENT
Joint Director
Deputy Director
Deputy Director
Deputy Director
Assistant Director
Assistant Director
Assistant Director
Assistant Director
Assistant Director
Junior Officer (PS to Member(F & I))
Assistant
Assistant
Assistant
Assistant
Dr Mamta Suri
Raj Kumar Sharma
K Prassad Rao
Ammu Venkat Ramana
Padmaja B
K Anand Rao
Dr Ravinder Kaur
Akanksha Gupta
Mohammad Ayaz
G Rambabu
A Keshava Rao
DS Murali Mohan
Ameer Hassan
Bolla Balakrishna
Triloki Nath
FINANCE & INVESTMENT DEPARTMENT

Joint Director
Deputy Director
Assistant Director
Assistant
Assistant
S N Jayasimhan
R Kumar
R Uma Maheshwari
Harshita Maheswari
Ravindra Das
Rakesh Sarodey
J Meena Kumari
KGPL Rama Devi
N M Behera
Nimisha Srivastava
Jamuna Choudhary
Murthy Lakshmi Narasimha Dasari
M S Jayakumar
M Madhusudhan
Swati Bajaj
Mukesh Kewalaramani
K L N Raghava Kumar
A R Nithiyanantham
Deepak Khanna
Deepak Gaikwad
Sanjay Kumar Verma
Narendra Singh
M Pulla Rao
T S Naik
G R Surya Kumar
Suresh Nair
Nandan Kumar
R Pardha Saradhi
HEALTH DEPARTMENT
Joint Director
Deputy Director
Deputy Director
Assistant Director
Assistant Director
INSURANCE INFORMATION BUREAU
Deputy Director
Assistant Director
Assistant Director
Assistant Director
Assistant
INFORMATION TECHNOLOGY DEPARTMENT

Joint Director
Deputy Director
Deputy Director
Deputy Director
Assistant
INSPECTION DEPARTMENT
Sr. Joint Director
Joint Director
Deputy Director
Assistant Director
Assistant Director
xvi

Bhasker P Khadakbhavi
Ashish Kumar Bharti
Anil Kumar Tatipalli
G Sivaramakrishna
Neelesh Gupta
Baskar Theertharaman
Santosh Kumar Mishra
P Kanthishree
Suresh Mathur
Ramana Rao A
K Mahipal Reddy
Shardul Suresh Admane
Mathangi Saritha
D Gyana Prasuna
Neetu Shahadadpuri
Rajeshwar Gangula
Manish Misra
VVN Kiran Kumar Sarma
Mukesh Kumar
P Himakiran
S Dakshinamoorthy
Aleem Afaque
Assistant Director
Assistant Director
Assistant Director
Assistant Director
Assistant Director
Assistant Director
Assistant Director
Junior Officer (PS to Sr. JD)
INTERMEDIARIES DEPARTMENT
Sr. Joint Director
Joint Director
Deputy Director
Assistant Director
Assistant Director
Assistant Director
Assistant Director - Corporate Agents
Assistant Director - Corporate Agents
Assistant
LEGAL DEPARTMENT
Assistant
Assistant
Assistant
Assistant
Director- RTI
Director
Director
Director
LIBRARY
BH Suryanarayana Sastry
V Jayanth Kumar
Sudipta Bhattacharya
DVS Ramesh
H Babu Yogish
R Lalitha Kumari
K Sridhar Rao
V Chitra
B Aruna
Randip Singh Jagpal

Sudha Ramanujam
Pankaj Kumar Tiwari
Jyoti Bhagat
Sunitha L V S
Shiksha Saha
K Sridhar
Ch B Chandrasekhara Rao
Vikas Jain
Sanjay Mohan Sharma
Parameshwar L Rao Shelke
Shrihari Allamsetty
Assistant
LIFE DEPARTMENT
Joint Director
Deputy Director
Deputy Director
Assistant Director
Assistant Director
Assistant Director
Assistant Director
Junior Officer
NON-LIFE DEPARTMENT
Joint Director
Deputy Director
Deputy Director
Assistant Director
Assistant Director
Assistant Director
Assistant Director
Assistant Director
Assistant Director
Assistant Director
Assistant Director
xvii

B S Venkatesh
M L Soujanya
Tati Kiran
Akash Dangwar
Junior Officer
Junior Officer (PS to Member(N/L))
Assistant
Assistant
RAJBHASHA DEPARTMENT
Joint Director
V Jayanth Kumar
Munshi M Nizamuddin
Ishitiaque Alam
Mukesh Sharma
Rakesh K Bajaj
Anil Kumar Arora
Manju Arora
Hari
Sush Pal
Shashi Pal
H Ananthakrishnan
Dr R K Sinha
V Sai kumar
S V Hedge
R Srinivasan
B V Sastry
Rajesha
Y Srinivasu
V Sarvothamudu
V Satya Srinivas
Vikas Kumar
Devendra kumar
Vikas S Rane
T Rambabu
B V Suryanarayana
V K Sinha
Chandrasekhar B
Ashish Soni
U Jawahar Lal
Arup Chatterjee
RESEARCH & DEVELOPMENT

Assistant Director
Assistant
VIGILANCE DEPARTMENT
Joint Director
DELHI OFFICE
Joint Director
Deputy Director
Junior Officer
Assistant
Record Clerk
OFFICERS ON DEPUTATION
OSD-Legal
OSD-R & D
OSD-Life
OSD-Life
OSD-Consumer Affairs
OSD-Inspections
OSD-Inspections
OSD-Inspections
OSD-Inspections
OSD-Inspections
OSD-IIB
OSD-IIB
OSD-IIB
OSD-Intermediaries
OSD-RTI
OSD-IIB
PS to Member (Life)
OSD
ON CONTRACT
Editor, IRDA Journal
OFFICERS OF IRDA ON DEPUTATION TO OTHER ORGANISATIONS

Joint Director
xviii
BLANK
OVERVIEW
The Indian Economy:
economies. Broadly, the growth appeared to be low in

the developed and advanced economies. As against the
developed markets, the emerging markets continued to
remain more or less resilient to the financial crises. This
led to relatively healthier growth prospects in the emerging
countries coupled with their stronger initial fiscal and
financial positions. Further, many of these economies also
witnessed good recovery in exports and strong domestic
demand.
1. The Indian economy registered an impressive growth

rate of 8.5 per cent in 2010-11 despite many challenges.
The growth rate stood at 8.0 per cent in 2009-10. The
high level of inflation, driven by high food and fuel prices,
remained one of the biggest concerns in the economy,
and surged from low levels of 2009-10 to double digit
figures during the end of year 2010-11 and continues to
remain high in the year 2011-12. The Reserve Bank of
India tightened its monetary policy by hiking the Repo
rate seven times (each by 25 basis points) in order to
curb rising inflation. As per the RBI Annual Report
2010-11, low levels of investment activities, especially in
the second half of the year 2010-11, put further pressure
on the economy. The uncertainty in the global markets
due to recession in USA, Japan and Europe continued
to be a concern.
5. The world economy grew at a GDP growth rate of

5.1 per cent in year 2010. While the advanced economies
grew at 3.1 per cent in 2010, the growth in the emerging
and developing economies stood at 7.3 per cent. As per
the World Economic Outlook (WEO) Report-September
2011 of the International Monetary Fund (IMF), the world
economy is expected to grow at 4 per cent in 2011. The
Report forecasts reveal drastic fall in the growth rate in
US at 1.5 per cent in 2011 (3 per cent in 2010). Further,
Japan is expected to witness negative growth
(-0.5 per cent) in 2011, which grew at 4.0 per cent in
2010, due to after-effects of the earthquake and tsunami.
In the euro zone, continued strains in more vulnerable
sovereigns and banks pose a significant threat to the
financial stability because of continued weakness
amongst financial institutions in many of the advanced
economies in this region.
2. The good recovery witnessed in the Indian economy

in the year 2010-11 is largely attributable to the growth in
the agricultural sector. The agricultural sector, which
remained subdued in the last two years, grew significantly
in 2010-11 largely on account of good monsoon. The year
saw simultaneous occurrence of a normal and well
distributed south-west monsoon as also an excess northeast monsoon, which was not observed during the last
decade. This led to the rise in the growth rate in the
agricultural sector to 6.6 per cent. However, the growth
rate of industrial sector dipped to 7.8 per cent in 2010-11
from its previous years level of 8.3 per cent due to
slowdown in crucial infrastructure industries.
6. Many of the emerging economies witnessed high

inflationary pressure during late 2010/early 2011 on the
back of strong activity and relatively low unemployment
level. However, some of the emerging economies have
started showing signs of moderation in the headline
inflation. The growth in these countries is expected to
witness a dip (estimated at 6.4 per cent in 2011).
3. The growth of household savings continued to remain

stagnant in 2010-11. The share of life insurance funds in
the total financial saving of the household continued to
surge in 2010-11. Its share increased to 24.2 per cent,
up from 22.6 per cent in 2009-10 and 21.0 per cent in
2008-09. The share of provident and pension funds
declined to 9.1 per cent in the year 2010-11 from its
11.5 per cent level of 2009-10. The share of deposits
stood at 47.3 per cent, largely at the same level (47.2 per
cent in 2009-10).
Insurance markets:
7. As per the World Insurance Report published by
reinsurance major Swiss Re, the global insurance
premium for the calendar year 2010 was USD 4339 billion,
which is 2.7 per cent (inflation-adjusted) higher than
USD 4109 billion reported during the previous calendar
year 2009. The share of life insurance business was
58 per cent in total premium collection. While life
insurance business collected USD 2520 billion as
premium, the same for non-life business was USD 1818
billion. During 2009, the premium in world life insurance
business rose by 3.2 per cent on account of double digit
growth in the life insurance premium collection in the
emerging markets.
Global Economic Environment:

4. The global financial system, which witnessed a
significant crisis in the calendar year 2008, continued to
move forward on the path of recovery in the year 2010
with many other uncertainties and concerns in terms of
high inflation, low growth, unemployment etc., in
respective parts of the world. The overall growth and
recovery appeared to be largely uneven across
1

8. According to the Report in 2011, the insurance industry
may have significantly lower growth due to the prevailing
macro-economic conditions. In some emerging
economies, the introduction of solvency II and higher
inflation may also impact the profitability of insurance
companies.
Micro insurance:
13. In an effort to ensure a balanced and speedy
expansion of insurance coverage in the country, the
Authority had come out with a regulatory framework
(Obligations of Insurers to Rural or Social Sectors, 2002).
These regulations impose obligations on insurers towards
the rural population - to sell a specified percentage of
policies and underwrite specified percentage of gross
premium underwritten with respect to life and non-life
insurance companies respectively; and cover a specified
number of lives/assets belonging to people below poverty
line or those pursuing certain traditional occupations. The
Government of India set up a consulting group in 2003 to
examine the existing insurance schemes for the rural
poor; and on the basis of the groups recommendations,
the Authority issued IRDA (Micro insurance) Regulations,
2005. Consequent upon the notification of these
regulations, there has been a steady growth in the design
of products catering to the needs of the identified groups.
The flexibilities provided in the Regulations allow the
insurers to offer composite covers or package products.
The insurance companies are now also offering already
approved general products as micro insurance products
with the approval of the Authority, if the sum assured
and other features of the products are within the range
prescribed for micro insurance.
Indian insurance sector:

9. The number of insurance companies stood at 48 at
the end of 2010-11, consisting of 23 life insurers, 24
non-life insurers and a reinsurer. Edelweiss Tokio Life
Insurance Company was granted registration in the year
2011-12, leading to total number of insurance companies
increasing to 49 as at end-September 2011.
10. The first year premium, which is a measure of new
business secured, underwritten by the life insurers during
2010-11 was `1,26,381 crore as compared to
`1,09,894 crore in 2009-10 registering a lower growth of
15 per cent against 25.84 per cent of 2009-10. In terms
of linked and non-linked business during the year
2010-11, 37.38 per cent of the total premium was
underwritten in the linked segment while 62.62 per cent
of the business was in non-linked segment (43.52 and
56.48 per cent respectively in 2009-10). The total
premium underwritten by the life insurance sector in
2010-11 was `2,91,605 crore as against `2,65,447 crore
in 2009-10 exhibiting a growth of 9.85 per cent
(19.69 per cent in 2009-10).
14. In the case of life insurance, the individual new

business premium under this segment stood at `130 crore
under 36.51 lakh policies in 2010-11. The same for the
group business amounted to `155 crore premium under
1.52 crore lives. LIC contributed most of the business
procured in this portfolio by garnering `123 crore of
individual premium from 29.51 lakh policies and
`138 crore of group premium. In case of non-life business,
there are a number of products offered (e.g. Janata
Personal Accident Policy, Gramin Personal Accident
Policy, Cattle/Livestock insurance, etc.) by the non-life
insurance companies targeting the lower income segment
of the population.
11. The non-life insurers underwrote premium of

`42,576 crore in 2010-11, as against `34,620 crore in
2009-10 registering a significantly higher growth of 22.98
per cent against growth of 14.06 per cent in the previous
year. In the non-life lines of business, the Health segment
continued to rise in terms of its share to the total non-life
premium. The share of health segment rose further to
23.35 per cent in 2010-11 (21.12 per cent in 2009-10
and 20.06 per cent in 2008-09).
Penetration and Density:
12. 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 increased to 5.10 per cent in 2010 (Life: 4.40
per cent and Non-life: 0.70 per cent). The insurance
density stood at USD 64.4 in 2010 (Life: USD 55.7 and
Non-life: USD 8.7) from USD 9.9 in 2000 (Life: USD 7.6
and Non-life: USD 2.3)
Provisioning for Third Party Liability:

15. On examining the reward given by the High Court in
a recent ruling establishing third party liability, the
Authority advised the General Insurance Council to review
the adequacy of claims provisioning by the non-life
industry for Motor Third Party liability in the light of the
said Court decision. The General Insurance Council
agreed in-principle that there was a need for upward
revision of claims provisioning for Motor TP liability.
Against this background the Authority sought Actuarial
valuation of the Indian Motor Third Party Insurance Pool
(IMTPIP) in order to assess adequacy of the reserves.
2

product which include that policyholder should
necessarily be a supplier of goods and services; and the
cover should provide for indemnity for loss suffered due
to non-receipt of trade receivables.
The actuarial report established that the ultimate loss

ratios are 172.3 per cent, 181.81 per cent and
194.15 per cent for the years 2007-08, 2008-09 and
2009-10 respectively and in any case the said ratios is
not less than 153 per cent over the last four years up to
2010-11. Against this estimate, the pool had maintained
reserves at 126 per cent for all the said years which was
considered to be insufficient. The Authority under Section
14 of the IRDA Act, 1999 issued directions to the non-life
insurers to maintain a solvency ratio of not less than
130 per cent for all lines of business as on 31st March,
2011 for the IMTPIP losses being valued at an ultimate
loss ratio of not less than153 per cent for all the years
the pool was underwriting. It also directed the insurers
not to declare dividends to the shareholders without the
prior specific approval of the Authority for any year
wherein the solvency ratio is reported below 150 per cent.
It also directed the companies to submit a financial plan
as approved by the Board of Directors, to the Authority
within a period of two months, indicating a plan of action
to correct the deficiency for the said 3-year period up to
March 2014.
18. The guidelines also specify conditions on trade credit

insurance from insurers perspective and policyholder
perspective which include that this policy cannot be
issued to banks/ financiers/ lenders or where they are a
beneficiary of the claim or where the proceeds of the claim
are assigned to them. A Trade Credit Insurance policy
can be sold to a seller on a whole turnover basis. There
shall be pre-credit limits for each buyer fixed by the insurer
and also an overall limit under the policy. An insurer is
required to appoint a credit management agency for
assessing credit worthiness of the policyholder, which
shall have no conflict of interest with the policyholder.
No specific trade credit insurance policy can be sold to a
single prospect. Trade credit insurance shall not offer
indemnity which is more than 80 per cent of the trade
receivables of the buyer or 90 per cent of the cost incurred
by seller for previous year; whichever is lower.
19. The prerequisites for an insurance company to
underwrite credit insurance include defined internal
underwriting, risk management and claims settlement
guidelines approved by the Board of Directors for writing
this class of business. The regulatory guidelines also
specify creation of premium, claims, IBNR and IBNER
reserves on actuarial basis. These guidelines also specify
that insurer should have qualified, experienced and
trained employees for dealing with trade credit insurance.
The Authority has also specified additional reporting
requirements to monitor the performance of this line of
business.
Revision in Motor Third Party Premium Rates:

16. Due to the huge operating losses in this segment
over the last 3 years, all non-life insurance companies
through the General Insurance Council approached the
Authority for upward revision of premium rates for motor
third party insurance cover. After several rounds of
deliberations with all stakeholders, the Authority notified
the revised premium rates for motor third party insurance
cover vide notification dated 15th April, 2011. The revised
rates came into operation with effect from 25th April, 2011.
Though the companies requested for 85 per cent hike in
the premium rates across all segments of vehicles, after
considering the concerns/requests/suggestions of various
stakeholders, the Authority decided to hike the premium
rates only to the tune of 10 per cent in respect of two
wheelers and private cars; and 68.5 per cent in respect
of the commercial vehicles. The Authority has also notified
a formula for revision of premium rates on a yearly basis
which it pegged to the cost inflation index, average claim
amounts, frequency and expenses involved in servicing
the motor TP business.
Amalgamation of non-life insurance companies:

20. The Insurance Act, 1938 lays down the framework
for amalgamation of life insurance companies. Given that
a similar provision was not available in case of non-life
insurance companies, this anomaly is proposed to be
rectified in the Insurance Amendment Bill, 2008, to
address the statutory/regulatory gap with respect to the
non-life insurance companies. Pending the amendment,
the Authority has laid down the framework for
amalgamation of non-life insurance companies through
notification of the necessary regulations in this regard.
While laying down the regulatory framework, the IRDA
has been guided by the need for protection of
policyholders interests.
Trade Credit Insurance:

17. The Authority issued trade credit insurance guidelines
during 2010-11 in order to ensure orderly growth of this
sector on sound insurance principles. The salient features
of the guidelines include definition of various terms
associated with trade credit insurance and the scope of
cover under trade credit insurance policy. The guidelines
specify basic requirements of a trade credit insurance
Issue of capital by life insurance companies:

21. Section 6AA of the Insurance Act, 1938 provides for
the manner of divesting the excess shareholding by the
Indian promoters after ten years of commencement of
3

Authority can be considered as the starting point to
sensitize all insurers to the need for moving towards the
risk based capital regime from the current fixed factor
based formula approach.
operations in specified cases. The said section further

provides that the manner and procedure of such
divestment shall be specified by the regulations made
by the Authority. To facilitate the process of divestment,
the Authority is bringing out the regulations on issuance
of capital by life insurance companies. The regulations
lay down the manner and procedure for divestment of
such excess stake by the life insurance companies and
the framework for eligibility of the applicant companies
to raise funds through public issues. The regulations
also lay down the disclosures specific to the life insurance
companies that shall form part of the offer document.
Financial Condition Report for Non-life companies:

25. The non-life insurance companies have been
mandated to submit the Financial Condition Report (FCR)
annually, effective, 31st March, 2011 for the said financial
year in the prescribed format. The objective 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.
22. The regulations have been prepared based on a

consultative process with the Securities and Exchange
Board of India (SEBI). The sub-group of the SEBI
Committee on Disclosure and Accounting Standards
(SCODA) had finalized the disclosure requirements with
respect to insurance companies based on the
international best practices. The report of the sub-group
was adopted by SCODA and then the Board of SEBI.
These recommendations now form the basis for the
disclosure requirements which have been stipulated in
the regulations. The Authority is presently in the process
of notifying the regulations for issuance of capital and
disclosures by life insurance companies in the prospectus
document while raising funds from the capital markets.
Initiatives on Implementation of IFRS:

26. The Ministry of Corporate Affairs in its road map for
convergence of Indian Accounting Standards to
International Financial Reporting Standards (IFRS) has
specified that all insurance companies shall convert their
opening balance sheet as at 1st April, 2012 in compliance
with the standards. This commitment was made by the
Ministry of Corporate Affairs based on the commitment
given by the Authority for convergence to IFRS by the
said date. However, the recommendation of the Authority
was based on the premise that various standards issued
by International Accounting Standard Board (IASB)
particularly on insurance contracts and valuation of
financial assets (IFRS-9) would be finalised by IASB and
would be in place well before the start of 2012-13.
Economic Capital (EC):

23. The framework for assessment of Economic Capital
(EC) plays an important role in the entire risk management
mechanism of insurance companies, which enables
insurers to determine the right amount of capital to be
allocated to each and every risk encountered by individual
insurers in carrying out the insurance business. EC
reflects the individual companys specific risk profile; and
in general, quantification of optimum capital to be
allocated against each risk is based on company specific
internal models.
27. The Authority is of the view that in the absence of a

proper understanding of the implication of various issues,
in the short and long run, it would be too premature to
migrate to the IFRS standards as committed earlier by
IRDA. It had not been possible for IASB to adhere to the
timeline of June 2011 for finalisation of the Exposure Draft
on insurance contracts. IASB is further expected to come
out with a limited revised exposure draft on insurance
contracts. Even after its eventual finalisation, IASB
provides a time period of 18 months for its
implementation. This means, the standard on insurance
contract may be ready for implementation by September
2013.
24. Keeping in view the importance and necessity of

assessment of Economic Capital in the insurance sector,
the IRDA has mandated both life and non-life insurance
companies to submit the Economic Capital report
annually. The computation is based on a one year time
horizon calibrated on a Value at Risk (VaR) level of 99.50
per cent with risks categorized as Insurance, Operational,
Market, Liquidity and Credit risks for life insurers; and
Underwriting, Market, Expense, Operational and Liquidity
risks, for non life insurers. Insurers are allowed to reduce
the total economic capital requirement to the extent of
diversification effect which has been capped at
30 per cent of the EC for life insurers. This move of the
4

28. In the above circumstances, the Authority has written
to the Ministry of Corporate Affairs to revisit the 2012
date of compliance for insurance sector with IFRS
standards, and defer it till IASB comes out with the revised
standards on insurance contracts and valuation of
financial assets.
Referrals - Sharing of Database:

32. In order to streamline the process of referral
arrangements made by insurance companies with various
entities, the sharing of database for distribution of
Insurance Products Regulations, 2010 were notified by
the Authority on 1st July, 2010. Companies formed and
registered under the Companies Act, 1956 as well as
Regional Rural Banks or Co-operative Banks that are
not eligible to take up corporate agency are now eligible
to enter into arrangements subject to conditions laid down
for applying as a referral company. The application has
to be made by the insurance company to the Authority
for seeking approval of a referral company. The referral
companies are permitted to share their data base only
with the prior consent of their customers.
Data Warehouse:
29. For efficient functioning of the insurance companies
as well as for the protection of the interests of the
policyholders, reliable timely and accurate transactional
data collection, processing and dissemination are
necessary. Insurance Information Bureau (IIB), an
advisory body formed by IRDA, collects transaction level
data from insurers. IIB acts as a single point of official
reference for the entire industry data and ensures data is
available to various market players, researchers,
policyholders and common public for real time decision
making. IIB publishes periodical reports on Motor, Health
and other lines of business.
33. The Authority has also advised all insurance

companies to terminate all existing referral arrangements
that have been entered into on the basis of the provisions
of the Regulation 2(c) and the second proviso to
Regulation 10(1)(vi) of the IRDA (Insurance
Advertisements and Disclosure Regulations, 2000) which
stands omitted. The insurance companies were further
advised to terminate all existing referral arrangements
which were not in conformity with the Sharing of Database
for Distribution of Insurance Products Regulations, 2010.
30. From the financial year 2010-11 IIB has started

collecting transactional data (Motor, Health, Fire, Marine
and Engineering) from all insurers in online mode. Online
data is being collected on monthly basis through the
website www.iib.gov.in. Insurers are able to view
aggregate reports related to their company as well as of
the industry, up to the level of data submission. Insurers
can also generate claim history report of a vehicle based
on Registration number/Chassis number/Engine number,
which helps them in underwriting a motor vehicle
prudently.
Grievance Redressal:
34. The Consumer Affairs department of IRDA handles
policyholder grievances, apart from carrying out
awareness campaigns on insurance. The cell looks into
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. The IRDA Grievance Call Centre (IGCC)
receives and registers complaints through a toll free
number. Complainants can also track the status of their
complaints through IGCC. Further, the requirement of
insurance companies to have Board approved grievance
redress policies; compliance requirements relating to
IRDA guidelines for grievance redressal, especially in
terms of the turnaround times laid down; and the
requirement under the corporate governance guidelines
to have a policyholder protection Committee as a
mandatory Committee have gone a long way in protecting
the interests of policyholders better. Over and above this,
the use of Integrated Grievance Management System
(IGMS) as a tool to monitor disposal of grievances by
insurance companies and carry out root cause analysis
of grievances to identify systemic and policy related
31. Recently, IIB has established a call center facility

called Stolen Vehicles Recovery Information System
(SVRIS), in order to assist the police in identifying the
insurer of stolen and subsequently recovered vehicles.
In SVRIS, any police station which has recovered a stolen
vehicle, and is trying to find the insurer of the vehicle,
can contact IIB through the toll free number 1800 425
4734 (short code 155266). IIB will collect basic information
like Registration number, Engine number, Chassis
Number etc. from the reporting officer for locating the
insurer of the vehicle in IIBs database. The police stations
can also send the recovered vehicle details through email
vehiclesrecovered@iib.gov.in. Acknowledgement will
be sent to the email id provided by the reporting officer.
The vehicle details are searched in IIBs database; and if
found, the insurer will be sent an email informing the
recovery of vehicle and the details of the police station
where the vehicle is lying. It would enable the insurer to
approach the police station for further action.
5

contract. This is another way of working towards
achieving healthy claims ratios. The Authority is presently
working at laying down the broad framework for detection,
classification, mitigation and reporting of insurance
frauds. The framework would also encourage the
insurance councils of life and non-life insurance
companies to build up databases to serve as reference
points for the industry to share its data and experience
on frauds. Insurers should ensure that there is in place
an efficient mechanism to weed out such fraudulent
attempts so that claims ratios turn out to be healthier.
issues has helped the Authority identify the concerns of

policyholders and initiate corrective action.
Initiatives towards policyholder protection:
35. With a view to protecting the interests of
policyholders, the IRDA has taken a number of initiatives.
Guidelines relating to distance marketing have been
issued by IRDA which address challenges relating to misselling using distance marketing mode, a fallout of the
advancement in technology. While the benefits of having
new and faster channels need to be reaped, the loopholes
created by them need plugging and this is precisely what
the guidelines are aimed at. IRDA has issued guidelines
to agents for persistency of life insurance policies to
ensure that servicing of policies by agents is sustained;
and is with a long term objective of servicing the
policyholder and not driven by the objective of just pushing
sales.
Transparency in the Advertisements released:

38. In order to enhance the transparency of life insurance
advertisements, the Authority vide its circular IRDA/LIFE/
MISC/CIR/129/08/2010 dated 16th August, 2010 advised
all insurance companies to ensure that all insurance
advertisements should clearly identify the product as an
insurance product as well as state the availability of life
insurance coverage. In advertisements, where benefit of
guarantee is highlighted, insurers are required to disclose
the conditions under which the guarantee operates. In
respect of Unit Linked Insurance Plans, insurers have
been mandated to disclose the actual asset mix of various
underlying funds on their respective web portals at least
on a half yearly basis so as to provide clear, factual and
timely information to the prospects.
36. IRDA has taken several initiatives to protect the

interests of policyholders. Policyholders have the right
to expect insurance companies to keep the promises they
make. When there is an omission or commission not
consistent with expected or defined service levels, there
is a deficiency in service giving scope for a grievance.
To ensure effective grievance redress by insurance
companies, the Authority has launched the Integrated
Grievance Management System (IGMS), which is an
online system that not only enables online registration,
tracking of status of grievances by complainants and
generation of periodical reports but also creates a central
repository of complaints across the insurance companies.
This enables IRDA to monitor market conduct issues and
take necessary steps to ensure better protection of
policyholders. The Authority has been carrying out a
sustained campaign to create awareness about insurance
grievance redress systems, rights and duties of
policyholders etc., through various media.
Agents Training / Qualification:

39. The future success of the life insurance profession
depends, above all, upon the knowledge and integrity of
the people who advise customers and are their first,
and most important point of contact. At the IRDA, the
regulators goal is to see that life insurers are increasingly
able to attract, motivate and retain outstanding people,
committed to adopting a needs-based approach to
financial advice.
40. Keeping the above in mind, IRDA conducted a
thorough review of the existing life insurance agent
licensing qualification. It was decided to utilize the
expertise of Chartered Insurance Institute (CII), London
in enhancing the existing syllabus of IC-33 Prerecruitment qualification for life insurance agents of the
Insurance Institute of India (III). All the key stakeholders
worked together to realise this goal. The revised IC-33
syllabus has been uploaded on the IRDA/III website,
which is available for free download. The training in the
revised syllabus has commenced from 1st October, 2011.
Claims Settlement and Fraud:

37. Insurers should take all steps to ensure that the
incidence of claim repudiation is reduced to the barest
minimum. To enable this to happen, they should adopt
measures to explain to the parties upfront, the exact
coverage and exclusions. If a claim has still to be
repudiated, they should explain the circumstances under
which the claim has to be rejected, either wholly or
partially, to the policyholder with empathy so that a
confrontation is avoided. Further, they should put in place
systems that ensure the consummation of contracts after
the nuances are explained to the prospect. The other
side of the coin of course is dealing firmly with attempted
frauds and not allowing any dilution in the terms of the
41. This new course book and the revised qualification

that agents will now use is a vital part of the Authoritys
strategy. IRDA has developed a syllabus that is
6

Financial Sector Assessment Program (FSAP):
challenging in its scope and depth. It does not simply

encourage agents to memorise facts and figures; but also
tests their understanding of learning, and ability to apply
it in a wide range of practical real-life situations.
44. The Financial Sector Assessment Program (FSAP)

is a joint initiative of the International Monetary Fund and
the World Bank that began in 1999 against the backdrop
of the financial crises in Mexico, Russia and East Asia in
the 1990s. The participation by member countries in
FSAP is voluntary, and is aimed at assessing the stability
and resilience of financial systems in member countries.
The FSAP exercise includes stress testing and
assessment of the status and implementation of the
international financial standards and codes in the
regulation and supervision of the sector assessed.
Strengthening on-site inspections:

42. Nine life and ten non-life insurance companies were
inspected comprehensively during the year 2010-11
(against none in the year 2009-10) besides inspection of
14 Intermediaries/Brokers/Corporate Agents and 5 TPAs;
and other inspections for specific purposes like adequacy
of reserves, investment operations, etc. As undertaken
in the previous report, the Inspection Department has
been strengthened with increased supervisory resources
paving the way for increasing supervisory intensity aiming
at inspection of all the companies which were not
inspected previously, as also the companies which are
perceived to be weak by the measures of capital
adequacy, risk management, governance and premium
size. The Authority would sooner than later need to move
towards risk based supervision, and assessment of risk
management practices through on-site supervision, would
be one such step in this direction.
45. FSAP exercise in the insurance sector is carried out

against the Insurance Core Principles (ICPs) issued by
the International Association of Insurance Supervisors
(IAIS) which are the key global standards for prudential
regulation and supervision of the insurance sector across
jurisdictions.
46. India had recently been categorized by the Financial
Stability Board (FSB) as Jurisdiction for further
evaluation. Specifically, it had been indicated that there
is insufficient information available with the FSB on Indias
adherence to the IAIS Core Principles. In order to be able
to improve upon the categorization assigned by FSB and
gain an improved recognition from the perspective of
financial stability of the Indian financial sector, the
Government of India conveyed its agreement to submit
to full fledged FSAP, proposed to be undertaken by the
IMF-World Bank in 2011. A team from IMF-World Bank
had meetings with various Regulators of the financial
sector and industry participants during their on-site visit
for preliminary meeting in January 2011. A detailed review
of compliance with various core principles of IAIS in the
insurance sector was carried out during June 2011. This
was followed by another round of meetings in October
2011.
Financial Stability:
43. In accordance with the announcement of the Union
budget of 2010-11, the Financial Stability and
Development Council (FSDC) was set up in December
2010. The Council is chaired by the Union Finance
Minister and its members include the heads of the
financial sector regulators and representatives from key
departments of the Ministry of Finance. It deals with
various issues relating to financial stability, interregulatory coordination, financial sector development and
macro-prudential supervision of the Indian economy. The
Council has met three times so far and discussed various
issues. Further a Sub-committee of the FSDC has been
set up. The Sub-committee has replaced the existing
High-level Coordination Committee on Financial Markets
(HLCCFM) of the financial sector regulators. The Subcommittee is headed by the Governor, Reserve Bank of
India (RBI). The mandate of the Sub-committee includes
monitoring financial markets and identifying potential
threats to financial stability; to review the assessment of
build-up of systemic risks and make suitable
recommendations on the same; to provide a forum for
inter-regulatory coordination and facilitate effective
information sharing amongst various regulators; and to
identify the systemically important financial
conglomerates and to address the concerns and issues
related to the same.
Multilateral Memorandum of Understanding (MMoU):

47. With the increasing integration of financial markets
and the growing number of internationally active
insurance companies, there is an increased need for
mutual cooperation and information exchange between
insurance industry supervisors. The International
Association of Insurance Supervisors (IAIS), with a view
to encouraging cooperation and information exchange
among its member jurisdictions, had adopted the
Multilateral Memorandum of Understanding (MMoU) in
its meeting held in Dubai in 2007.
48. The signatory authorities to this memorandum on
cooperation and information exchange have reached an
understanding in this memorandum recognising that
7

practical arrangements concerning cross-border
cooperation and information exchange are essential not
only in crisis situations, but also in the day-to-day
business of the jurisdiction supervisors; and the ability to
share information and provide assistance requires a high
standard of confidentiality protection.
guidelines. Short term action points of IRDA committed

to FATF have been accomplished. IRDA is currently
working towards accomplishment of medium term action
plan.
49. The objective of the MMoU is to establish a formal

basis for cooperation and information exchange between
the signatory authorities regarding the supervision of
insurance companies where cross-border aspects arise.
It includes requesting and providing information on
operations of insurance companies supervised, covering
all issues related to supervision of insurance companies
such as licensing, on-going supervision and winding-up
processes. The MMoU is also applicable to the
supervision of other regulated entities such as insurance
intermediaries, and to AML / CFT matters. The provisions
of the MMoU, however, do not intend to create any legally
binding obligations or to modify or supersede any
jurisdictional law; nor are these directly or indirectly
enforceable rights.
52. The life insurers underwrote new business of

`18,283 crore during the first quarter in the current
financial year 2011-12 as against `25,522 crore in the
corresponding first quarter in 2010-11, recording a decline
of 28.36 per cent. Of the new business premium
underwritten, LIC accounted for `13,342 crore (72.98 per
cent market share) and the private insurers accounted
for `4,941 crore (27.02 per cent market share). The
market share of these insurers was 73.43 per cent and
26.57 per cent respectively in the corresponding period
of 2010-11. The life insurance industry procured premium
of `4,897 crore in ULIPS for the first quarter of 2011-12
as against `13,916 crore in the first quarter of 2010-11, a
decline of 64.81 per cent. The industry procured premium
of `13,386 crore in traditional business for the quarter
ended June 2011 as against `11,606 crore for the quarter
ended June 2010 exhibiting a growth of 15.34 per cent.
Performance in the first quarter of 2011-12:
50. The IRDA has recently submitted its application to

the IAIS Secretariat to become a signatory to the MMoU,
which is at the evaluation stage. Once approved by the
IAIS, the IRDA will have greater access to the information
from other member jurisdictions.
53. The non-life insurers underwrote a premium of

`14,046 crore during the first quarter of the current
financial year recording a growth of 22.35 per cent over
`11,480 crore underwritten in the same period in
2010-11. The private sector non-life insurers including
specialised insurers and health insurers underwrote a
premium of `6,020 crore in April-June, 2011 as against
`4,725 crore in April-June, 2010, reporting a growth of
27.40 per cent. The public sector non-life insurers
underwrote a premium of `8,026 crore which was higher
by 18.82 per cent (`6,754 crore in the first quarter of
2010-11). The market share of the public and private
insurers including specialised insurers and health insurers
stood at 57.14 and 42.86 per cent respectively at the end
of the quarter (58.81 and 41.19 at the end of June 2010).
Initiatives at AML / FATF:

51. India was granted membership into the Financial
Action Task Force (FATF) in June 2010 plenary after
undergoing a thorough assessment/evaluation of
compliances with 40+9 Recommendations of FATF
through the Mutual Evaluation Report on India. IRDA was
an active member of the Inter-Ministerial Coordination
Committee on AML/CFT (IMCC) set up as the
coordinating body on issues relating to membership into
FATF. As part of the various initiatives taken by the
Authority towards effective implementation of the AML/
CFT guidelines in the insurance sector, a master circular
was issued as a single point reference of AML/CFT
guidelines. Outreach programmes were conducted for
the staff of insurance companies. IRDA works closely
with various departments of the ministry/agencies
towards an effective implementation of AML/CFT
54. The standalone health insurers contributed

`496 crore in 2011-12 (`364 crore in 2010-11) registering
a growth of 36.26 per cent. The contribution of specialized
companies ECGC and AIC of India was `376 crore in
the first quarter of 2011-12 (`357 crore in 2010-11)
registering a growth of 5.32 per cent.
PART I
POLICIES AND PROGRAMME
I.1 GENERAL ECONOMIC ENVIRONMENT
I.1.4 The inflation on an year-on-year basis, measured

by variation in the Wholesale Price Index (WPI) stood at
9 per cent at end-March 2011 at a lower level than its
previous year (10.2 per cent). The average inflation rate
remained near 9.4 per cent in the year 2010-11. The
overall volatility (as measured by RBI using GARCH
model) in the Indian financial markets remained lower
throughout the year in 2010-11 than in the previous year,
barring a brief spell of heightened volatility during May
2010. The money market rates rose marginally in the
early part of the year (AprilJune 2010) and surged further
significantly during the later part of the year. The average
daily call money rates increased by 32 basis points in
April-June 2010 and moved upward further by more than
three percentage points in later months of the year. The
capital market remained more or less range bound during
the year 2010-11. The stock indices gained during the
year, however they fell somewhat due to corrections
towards later months of 2010-11. The BSE Sensex, which
crossed 21,000 mark in November 2010, ended at 19445
at end-March 2011 with an increase of 10.9 per cent over
its previous year-end.
I.1.1 The Indian economy exhibited further recovery in

2010-11 and recorded a Gross Domestic Product (GDP)
growth rate (at factor cost) of 8.5 per cent, up from
8.0 per cent in 2009-10 and 6.8 per cent in 2008-09. The
economy reported growth in GDP for the second
successive year subsequent to the slowdown observed
in the year 2008-09. The year 2008-09 had witnessed a
slowdown mainly on account of the financial crisis across
the world. The Indian economy appeared to be on an
early recovery process as compared to many other
economies across the globe. The good recovery
witnessed in the Indian economy in 2010-11 is largely
attributable to the growth in the agricultural sector. The
agricultural sector, which remained subdued in the last
two years, grew significantly in 2010-11 largely on
account of good monsoon. The year saw simultaneous
occurrence of a normal and well distributed south-west
monsoon as also an excess north-east monsoon, which
was not observed during the last decade. Accordingly,
the growth in the agricultural sector surged to 6.6
per cent, which had remained non-significant in the
previous two years (-0.1 per cent in 2008-09 and 0.4
per cent in 2009-10).
I.1.5 The Balance of Payment (BoP) of India improved

in 2010-11 against the backdrop of pick-up in export
during the second half of the year. This led to increase in
the foreign exchange reserves of India, which stood at
USD 304.82 billion as at end-March 2011, against USD
279.06 billion at end-March 2010.
I.1.2 The growth rate in the industrial sector dipped to

7.8 per cent in 2010-11 from its previous years level of
8.3 per cent due to slowdown in crucial infrastructure
industries. Due to slowdown in the coal production and
lower generation of thermal power, the mining and
electricity industries decelerated in 2010-11 from their
previous year level and raised concern given the large
growth in demand. The services sector growth too slipped
in 2010-11, which recorded a lower growth of 9.2
per cent as compared to 9.7 per cent, as recorded in
2009-10. This is largely due to the deceleration in the
community, social and personal services. However, the
services dependent on external demand, such as, tourist
arrivals, passengers handled at international terminals,
export and import cargo witnessed better growth in
2010-11.
I.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 2010 was USD 4339 billion,
which is 2.7 per cent (inflation-adjusted) higher than USD
4109 billion reported during the previous calendar year
2009.
I.2.2 The share of life insurance business was 58 per
cent in total premium collection. While life insurance
business collected USD 2520 billion as premium, the
same for non-life business was USD 1818 billion. During
2010, the premium in world life insurance business
increased by 3.2 per cent on the back of double digit
growth (i.e. 13 per cent) in life insurance premium
collection in emerging markets.
I.1.3 The growth of household savings continued to

remain stagnant in 2010-11. However, the share of life
insurance funds in the total financial saving of the
household continued to surge in 2010-11. Its share
increased to 24.2 per cent, which was 22.6 per cent in
2009-10 and 21.0 per cent in 2008-09. However, the share
of provident and pension funds declined to 9.1 per cent
in the year 2010-11 from its 11.5 per cent level of
2009-10.
9

the strength of the economic recovery and the sovereign
debt for the peripheral European countries. Improved
sales, lower lapses and higher capital gains on financial
assets supported operating margins. However,
profitability continued to remain low due to adverse
interest rates.
TABLE I.1
REAL GROWTH IN PREMIUM DURING 2010*
(In per cent)
Regions/Countries
Life
Industrialised countries
Emerging markets
Asia
India**
World
1.8
13.0
4.2
4.2
3.2
Non-life
1.0
8.5
6.1
8.1
2.1
Total
I.2.5 In 2011, the economic recovery is expected to

continue, supporting premium growth in life and non-life
insurance in the industrialised countries and emerging
markets. Profitability in both sectors will continue to be
low, as interest rates are expected to rise slowly. The
devastating earthquakes in Japan and New Zealand are
likely to result in higher prices in those countries and
help to stop the trend of softening rates worldwide.
1.4
11.0
4.7
4.9
2.7
Source: Swiss Re, Sigma No. 3/2011.

Note: * calendar year. ** financial year 2010-11
I.2.3 During 2010, the global non-life insurance

premiums rose by 2.1 per cent. In emerging Asia and
newly industrialised countries in the region, the strong
economic rebound pushed up non-life premium growth,
while soft pricing continued to slow growth in Europe and
the US, except in a few countries in selected lines of
business. Consequently, underwriting results deteriorated
further in 2010, despite average natural catastrophe
losses and continuing reserve releases. Overall
profitability remained low, as capital gains on invested
assets only partially offset low investment yields.
I.2.6 Overall, the insurance industry has recovered well

from the crisis. Demand for insurance in the emerging
markets is expected to continue to grow strongly in the
coming years. Ageing societies will provide ample
opportunities for life insurers. However, insurers face a
number of challenges ahead such as derailment of
economic recovery which may be caused by an
escalation of the European sovereign debt crisis or an
oil price shock. Introduction of regulatory reforms like
Solvency II may lead to overly stringent capital
requirements which would undermine profitability and
ultimately may pose a challenge before the insurers.
Escalation of public debt crisis may wear away the assets
of insurers in view of the fact that insurers hold sovereign
debt and bonds issued by banks. Broadly, it is expected
that profitability will remain below pre-crisis levels for
some time.
I.2.4 Stock markets around the world continued to

recover in 2010. As a result, the capital positions and
investment return of insurers improved. Demand for the
Unit-linked life insurance products strengthened.
However, volatility remained high due to concerns about
CHART I.1
INSURANCE DENSITY IN SELECT COUNTRIES - 2010
Switzerland
United Kingdom
Japan
France
United States
Hong Kong
Australia
Taiwan
Germany
Singapore
South Korea
South Africa
World
Malaysia
Brazil
Russia
Thailand
PR China
India
Sri Lanka
Pakistan
Bangladesh
Non Life
Life
Total
1000
2000
3000
4000
Source: Swiss Re, Sigma No. 3/2011. Data is in USD.
10
5000
6000
7000
CHART I.2
INSURANCE PENETRATION IN SELECT COUNTRIES - 2010

Taiwan
South Africa
United Kingdom
Hong Kong
South Korea
France
Japan
Switzerland
United States
Germany
World
Singapore
Australia
India
Malaysia
Thailand
PR China
Brazil
Russia
Sri Lank
Bangladesh
Pakistan
0.00
Non-Life
Life
Total
2.00
4.00
6.00
8.00
10.00 12.00 14.00 16.00 18.00 20.00
PER CENT
Source: Swiss Re, Sigma No. 3/2011
Indian Insurance in the global scenario
Insurance penetration & density in India
I.2.7 In life insurance business, India ranked 9th among

the 156 countries, for which data are published by Swiss
Re. During 2010-11, the estimated life insurance premium
in India grew by 4.2 per cent (inflation adjusted). However,
during the same period, the global life insurance premium
expanded by 3.2 per cent. The share of Indian life
insurance sector in global market was 2.69 per cent during
2010, as against 2.45 per cent in 2009.
I.2.9 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 insurance density. However, the
insurance penetration, which surged consistently till 2009,
slipped for the first time in 2010 on account of slower
rate of growth in the life insurance premium as compared
to the rate of growth of the Indian economy.
I.2.8 The non-life insurance sector witnessed significant

growth of 8.1 per cent during 2010. Its performance is far
better when compared to global non-life premium, which
expanded by 2.1 per cent during the same period. The
share of Indian non-life insurance premium in global
non-life insurance premium increased slightly to 0.58
per cent, thereby improvising its global ranking to 19th in
comparison to 26th in last year.
I.2.10 The insurance density of life insurance sector had

gone up from USD 9.1 in 2001 to USD 55.7 in 2010.
Similarly, insurance penetration had gone up from 2.15
per cent in 2001 to 4.60 in 2009, before slipping to 4.40
per cent in 2010.
11

TABLE I.2
INSURANCE PENETRATION AND DENSITY IN INDIA
Year
Density
(USD)
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
9.1
11.7
12.9
15.7
18.3
33.2
40.4
41.2
47.7
55.7
Life
Penetration
(percentage)
Non-Life
Density
Penetration
(USD)
(percentage)
2.15
2.59
2.26
2.53
2.53
4.10
4.00
4.00
4.60
4.40
2.4
3.0
3.5
4.0
4.4
5.2
6.2
6.2
6.7
8.7
Density
(USD)
0.56
0.67
0.62
0.64
0.61
0.60
0.60
0.60
0.60
0.71
Industry
Penetration
(percentage)
11.5
14.7
16.4
19.7
22.7
38.4
46.6
47.4
54.3
64.4
2.71
3.26
2.88
3.17
3.14
4.80
4.70
4.60
5.20
5.10
* 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).
* The data of Insurance penetration is available with rounding off to one digit after decimal from 2006.
Source: Swiss Re, Various Issues.
CHART I.3
INSURANCE DENSITY IN INDIA
70
60
(US Dollar)
50
40
30
20
10
0
2001
2002
2003
2004
Life
2005
Non-Life
12
2006
2007
Total
2008
2009
2010

CHART I.4
INSURANCE PENETRATION IN INDIA
(In per cent)
2001
2002
2004
2003
2005
Life
2006
Non-Life
2007
2008
2009
2010
Total
I.3 APPRAISAL OF INDIAN INSURANCE MARKET

Registered Insurers in India
I.3.2 Of the forty-nine companies presently in operations,
eight are in the public sector: two specialized insurers,
namely ECGC and AIC, one in life insurance, four in
general insurance and one re-insurance. The remaining
forty one companies are in the private sector.
I.3.1 At end-September 2011, there are forty-nine

insurance companies operating in India; of which twenty
four are in the life insurance business and another twentyfour are in general insurance business. In addition, GIC
is the sole national re-insurer.
TABLE I.3
REGISTERED INSURERS IN INDIA
(As on 30th September, 2011)
Type of business
Public Sector
Private Sector
Total
Life Insurance
General Insurance
Re-insurance
Total
1
6*
1
8
23***
18**
0
41
24***
24
1
49
* Includes specialized insurance companies - ECGC and AIC.

** Includes three Standalone Health Insurance Companies Star Health & Allied Insurance Co., Apollo Munich Health Insurance Co. and Max
Bupa Health Insurance Co.
*** Include Edelweiss Tokio Life Insurance Company Limited.
Edelweiss Tokio Life Insurance Company Limited was granted registration in 2011-12.
13

LIFE INSURANCE
TABLE I.4
PREMIUM UNDERWRITTEN BY LIFE INSURERS
(` crore)
Premium
I.3.3 Life insurance industry recorded a premium income
of `2,91,605 crore during 2010-11 as against
`2,65,447 crore in the previous financial year, registering
a growth of 9.85 per cent. While private sector insurers
posted 11.04 per cent growth (23.06 per cent in previous
year) in their premium income, LIC recorded 9.35
per cent growth (18.30 per cent in previous year).
Insurer
I.3.4 While renewal premium accounted for 56.66

per cent (58.60 per cent in 2009-10) of the total premium
received by the life insurers, first year premium
contributed the remaining 43.34 per cent (41.40 per cent
in 2009-10). During 2010-11, the growth in renewal
premium was 6.22 per cent (15.69 per cent in 2009-10).
By comparison, the growth in first year premium was
higher at 15.00 per cent during 2010-11 but there is
significant decline in growth in comparison to the previous
year figure (25.84 per cent in 2009-10).
Total
LIC
Private Sector
LIC
Private Sector
Total
I.3.5 Further bifurcation of the first year premium indicates

that single premium income received by the life insurers
recorded 26.99 per cent growth during 2010-11
(31.05 per cent in 2009-10). Single premium products
continue to play a major role for LIC as they contributed
24.94 per cent of LICs total premium income (24.36
per cent in 2009-10). In comparison, the contribution of
single premium income in total premium income has
surged to 13.28 per cent for private insurance companies
during 2010-11 (4.84 per cent in 2009-10).
2009-10
Regular Premium
26184.48
(36.80)
34529.67
(12.61)
60714.15
(21.91)
36265.36
(38.50)
27664.19
(-19.88)
63929.55
(5.30)
Single Premium
45337.42
(33.19)
3842.34
(10.13)
49179.76
(31.05)
50746.99
(11.93)
11704.46
(204.62)
62451.45
(26.99)
First Year Premium

71521.90
(34.49)
Private Sector
38372.01
(12.36)
Total
109893.91
(25.84)
87012.35
(21.66)
39368.65
(2.60)
126381.00
(15.00)
Renewal Premium
LIC
114555.41
(10.03)
Private Sector
40997.93
(35.10)
Total
155553.34
(15.69)
116461.05
(1.66)
48762.94
(18.94)
165223.99
(6.22)
LIC
I.3.6 The growth of the regular premium stood only at

5.30 per cent in 2010-11, against 21.91 per cent growth
in 2009-10 with the private insurers witnessing negative
growth (-19.88 per cent). The LIC continued with high
growth in the regular premium. The same stood at 38.50
per cent in 2010-11 (36.80 per cent in 2009-10).
I.3.7 Unit-linked products (ULIPs) witnessed 5.64
per cent decline in premium income from `1,15,521 crore
in 2009-10 to `1,09,002 crore in 2010-11. On the other
hand, the growth in premium income of traditional
products was at 21.80 per cent, with premium income
increasing to `1,82,603 crore as against `1,49,926 crore
in 2009-10. Accordingly, the share of unit-linked products
in total premium considerably declined to 37.38 per cent
in 2010-11 as against 43.52 per cent in 2009-10
(Statement No.11).
2010-11
LIC
Private Sector
Total
Total Premium
186077.31
(18.30)
79369.94
(23.06)
265447.25
(19.69)
203473.40
(9.35)
88131.60
(11.04)
291604.99
(9.85)
Note: Figure in brackets indicates the growth (in per cent)
14

CHART I.5
PREMIUM UNDERWRITTEN BY LIFE INSURERS
2009-10
2010-11
300000
250000
` Crore
200000
150000
100000
50000
LIC
PRIVATE
INDUSTRY
TABLE I.5
MARKET SHARE OF LIFE INSURERS
(In per cent)
Market Share
Insurer
I.3.8 On the basis of total premium income, the market
share of LIC declined marginally from 70.10 per cent in
2009-10 to 69.78 per cent in 2010-11. Accordingly, the
2010-11.
I.3.9 The market share of private insurers in first year

premium was 31.15 per cent in 2010-11 (34.92 per cent
in 2009-10). The same for LIC was 68.85 per cent
(65.08 per cent in 2009-10). However, in renewal
premium, LIC had a higher share of 70.49 per cent
(73.64 per cent in 2009-10) when compared to 29.51
per cent (26.36 per cent in 2009-10) share of private
insurers.
15
2010-11
LIC
Private Sector
Total
Regular Premium
43.13
56.87
100.00
56.73
43.27
100.00
LIC
Private Sector
Total
Single Premium
92.19
7.81
100.00
81.26
18.74
100.00
LIC
Private Sector
Total
First Year Premium

65.08
34.92
100.00
68.85
31.15
100.00
LIC
Private Sector
Total
Renewal Premium
73.64
26.36
100.00
70.49
29.51
100.00
LIC
Private Sector
Total
Total Premium
70.10
29.90
100.00
69.78
30.22
100.00
market share of private insurers has gone up marginally

from 29.90 per cent in 2009-10 to 30.22 per cent in
2009-10

New Policies
TABLE I.6
NEW POLICIES ISSUED : LIFE INSURERS
I.3.10 During 2010-11, life insurers issued 482 lakh new
(In lakh)
policies, out of which, LIC issued 370 lakh policies

Insurer
(76.91 per cent of total policies issued) and the private
LIC
life insurers issued 111 lakh policies (23.09 per cent).

While LIC suffered a decline of 4.70 per cent (8.21
Private Sector
per cent increase in 2009-10) in the number of new
Total
policies issued against the previous year, the private
2009-10
2010-11
388.63
(8.21)
143.62
(-4.32)
532.25
(4.52)
370.38
(-4.70)
111.14
(-22.61)
481.52
(-9.53)
Note: Figure in brackets indicates growth over previous year (in per cent).
sector insurers reported a significant decline of 22.61

per cent (4.32 per cent decline in 2009-10) in the number
Paid-up capital
of new policies issued.
I.3.12 The total capital of the life insurance companies

as on 31 st March, 2011 was `23,662 crore. During
2010-11, an additional capital of `2,642 crore was brought
in by the industry. The incremental capital during
2010-11 was brought in by the private sector insurers as
there was no addition in the capital of LIC, the public
sector insurance company.
I.3.11 Overall, the industry witnessed a 9.53 per cent

decline (4.52 per cent increase in 2009-10) in the number
of new policies issued.
TABLE I.7
PAID-UP CAPITAL : LIFE INSURERS*
(` crore)
31st March, 2010
Additions
during 2010-11
31st March, 2011
5.00
0.00
5.00
Private Sector
21014.99
2641.86
23656.85
TOTAL
21019.99
2641.86
23661.85
Insurer
LIC
Note: *Excludes premium on issue of equity share capital (Statement No. 18).
Expenses of life insurers

I.3.13 As per section 40B of the Insurance Act, 1938 no
on the recommendation of the Life Insurance Council
life insurer can spend as expenses of management in
constituted under Section 64F of the Insurance Act may
any year an amount in excess of the limits prescribed
enhance the limits in any year. Expenses of management
under Rule 17D of the Insurance Rules, 1939. Rule 17D
refer to all charges incurred either directly or indirectly
takes into consideration the size and age of the insurer,
and include commission payments of all kinds, operating
while laying down the limits of such expenses. The IRDA
expenses and expenditure capitalized.
16

TABLE I.8
COMMISSION EXPENSES OF LIFE INSURERS
TABLE I.9
COMMISSION EXPENSES RATIO :
LIFE INSURERS
(In per cent)
(` crore)
Insurer
LIC
Private Sector
Total
2009-10
Regular Premium
6100.48
4863.22
10963.70
LIC
Private Sector
Total
Single Premium
526.38
48.41
574.79
First Year Premium

LIC
6626.85
Private Sector
4911.64
Total
11538.49
LIC
Private Sector
Total
Renewal Premium
5505.71
1030.42
6536.13
LIC
Private Sector
Total
Total Premium
12132.56
5942.06
18074.62
2010-11
Insurer
2009-10
2010-11
6839.06
3705.29
10544.35
LIC
Private Sector
Total
Regular Premium
23.30
14.08
18.06
18.86
13.39
16.49
552.19
144.46
696.66
LIC
Private Sector
Total
Single Premium
1.16
1.26
1.17
1.09
1.23
1.12
LIC
Private Sector
Total
First Year Premium

9.27
12.80
10.50
8.49
9.78
8.89
LIC
Private Sector
Total
Renewal Premium
4.81
2.51
4.20
5.11
2.32
4.29
LIC
Private Sector
Total
Total Premium
6.52
7.48
6.81
6.56
5.65
6.29
7391.25
3849.75
11241.00
5956.04
1132.28
7088.32
13347.29
4982.03
18329.32
Note: Commission expenses ratio is the ratio between commission

expenses and the premium underwritten by life insurers
I.3.14 The increase in expenses was lower than the

increase in the gross premium collected by the insurers
in 2010-11. As such, the commission expenses ratio
(commission expenses as a percentage of premiums)
declined marginally to 6.29 per cent in 2010-11 from
6.81 per cent of 2009-10. 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 I.9,
providing bifurcations of the commission ratios for both
private and public sector life insurers.
TABLE I.10
OPERATING EXPENSES OF LIFE INSURERS
(` crore)
INSURER
2009-10
2010-11
LIC
Private Sector
12245.82
16641.81
16980.28
15962.02
TOTAL
28887.63
32942.30
I.3.16 Operating expenses, as a per cent of gross

premium underwritten, increased for LIC from 6.58 per
cent in 2009-10 to 8.34 per cent in 2010-11. However,
the same declined marginally for private insurers from
20.97 per cent in 2009-10 to 18.11 per cent in 2010-11.
For the industry as a whole, the operating expenses ratio
increased slightly from 10.88 per cent in 2009-10 to
11.30 per cent in 2010-11.
I.3.15 The operating expenses of the life insurers

increased by 14.04 per cent in 2010-11 (11.84 per cent
in 2009-10). The operating expenses towards life
insurance business were `32,942 crore in 2010-11 as
against `28,888 crore in 2009-10.
17

underwritten (20.99 per cent in 2009-10). LIC paid benefits
of `1,11,273 crore in 2010-11, constituting 54.69 per cent
of the premium underwritten (`79,162 crore in 2009-10,
42.54 per cent of the total premium underwritten). The
benefits paid by the life insurers net of reinsurance were
`1,42,196 crore (`95,565 crore in 2009-10). There has
been a significant increase in the benefits paid on account
of surrenders/withdrawals which stood at `76,712 crore,
of which LIC accounted for `49,774 crore and private
sector `26,938 crore. The comparative previous year
statistics were `36,225 crore, of which LIC accounted
for `22,395 crore and private sector `13,830 crore. In
case of LIC, out of the `49,774 crore surrenders, ULIP
policies accounted for `40,761 crore (82 per cent) as
against `11,125 crore (50 per cent) in 2009-10. In case
of the private insurance industry, the surrenders
accounted for `26,207 crore (97 per cent) in ULIPs for
2010-11 as against `12,959 crore (94 per cent) in
2009-10.
TABLE I.11
OPERATING EXPENSES RATIO :
LIFE INSURERS
(In per cent)
INSURER
LIC
Private Sector
TOTAL
2009-10
2010-11
6.58
20.97
10.88
8.34
18.11
11.30
Note: Operating expenses ratio is the ratio of operating expenses

to the premium underwritten by the life insurers
I.3.17 As the initial set-up costs incurred by any insurance

company is high, the Authority has granted exemption
from the limits under Rule 17D to 22 private insurers in
the first five years of commencement of their business
operations.
I.3.18 Out of the 23 life insurance companies (including
1 PSU) in 2010-11, nine companies were in the exemption
period. Of the balance, twelve companies (including 1
PSU) were compliant with the limits under Rule 17D/
directions of the Authority.
Analysis of Death Claims

Individual Death Claims
I.3.20 In the year 2010-11, the life insurance companies
have settled 8.13 lakh claims on individual policies, with
a total payout of `7,595 crore. The number of claims
repudiated was 17,350 for an amount of `336 crore. The
number of claims pending at the year-end was
16,415 and the amount involved was `306 crore. Of these
claims, 1,930 were pending for more than one year and
14,485 claims were pending for less than and upto one
year.
Benefits Paid
I.3.19 The life insurance industry paid higher gross
benefits of `1,42,524 crore in 2010-11 (`95,820 crore in
2009-10) constituting 48.88 per cent of the gross premium
underwritten (36.10 per cent in 2009-10). The benefits
paid by the private insurers which stood at `31,251 crore
(`16,658 crore in 2009-10), showed an increase of
87.60 per cent constituting 35.46 per cent of the premium
TABLE I.12
INDIVIDUAL DEATH CLAIMS : LIFE INSURERS (2010-11)
(Figures in per cent of policies)
Insurer
Total
Claims
Claims
Claims
paid repudiated
Claims
Claims
written pending at
back end of year
Break up of claims pending

duration wise (Policies)
< 3 > 3 to < 6 > 6 to < 12
months
months
months
> 12
months
Private
100
86.04
8.90
0.05
5.01
77.30
9.57
4.54
8.59
LIC
100
97.03
1.00
0.51
1.46
36.60
25.14
24.85
13.40
Total
100
95.58
2.04
0.45
1.93
50.51
19.82
17.91
11.76
18

CHART I.6
DURATION WISE BREAK UP OF CLAIMS PENDING - INDIVIDUAL POLICIES
Total
LIC
Private
DURATION
> 12 months
> 6 to < 12
months
> 3 to < 6
months
< 3 months
10
20
30
40
50
60
70
PER CENT
I.3.21 The claim settlement ratio of LIC was better than

that of the private life insurers. Settlement ratio of LIC
increased to 97.03 per cent during the year 2010-11 when
compared to 96.54 per cent during the previous year.
The per cent of repudiations declined from 1.21 per cent
in the previous year to 1.00 per cent in 2010-11.Similarly
for private insurers, settlement ratio has gone up to 86.04
per cent during the financial year 2010-11 when compared
to 84.87 per cent during the previous year. Private
insurers repudiated a larger number of claims when
compared to LIC. The per cent of repudiations increased
to 8.90 per cent in 2010-11 from 7.61 per cent in
2009-10.Overall, the industrys settlement ratio has
improved slightly at 95.58 per cent in 2010-11 from
95.24 per cent in 2009-10 and the repudiation ratio has

also gone up to 2.04 per cent in 2010-11 from 1.93
per cent in 2009-10.The ratio of claims written back has,
however, declined at 0.45 per cent as against 0.75
per cent in the previous year.
Group Death Claims
I.3.22 A total of 4,21,930 group claims were settled in
the year out of 4,36,201 claims intimated to the life
insurers. Of these, the number of claims repudiated in
the year was 2,404 which was 0.55 per cent of the claims
intimated (Statement No. 14).
TABLE I.13
GROUP DEATH CLAIMS : LIFE INSURERS (2010-11)
(Figures in per cent of lives covered)
Insurer
Private
LIC
Total
Total
Claims
100
100
100
Claims
Claims
paid repudiated
93.33
99.66
96.73
1.18
0.01
0.55
Claims
Claims
written pending at
back end of year
0.13
0.00
0.06
5.36
0.33
2.66
19

< 3 > 3 to < 6 > 6 to < 12
months
months
months
41.71
75.39
43.93
57.16
13.09
54.25
0.38
9.69
0.99
> 12
months
0.76
1.83
0.83
BOX ITEM 1
CLAIMS SETTLEMENT IN LIFE INSURANCE SECTOR
In the business of insurance, the timely settlement of claims is a vital function that needs no special emphasis. The
claims settlement record of an insurer is, therefore, the touchstone of its performance. In order to ensure that the
insurer is in the position to promptly settle all its claims, it needs to do a careful evaluation of the risks that would arise
out of the underwritten contracts and price their premiums accordingly. Underwriting expertise is often what differentiates
the performance of one insurer from another; and if an insurer fails to anticipate claims correctly, it runs the risk of
erosion of capital and of solvency/liquidity issues. On the servicing/market conduct front, insurers need to develop a
robust claims processing mechanism which is speedy and policyholder-friendly. Excessive time-lags in settlement of
claims or higher percentage of repudiations speak badly of the insurers approach to its business and to its policyholders.
It is often said that life insurance is a contract between two unequals the mighty institution with legal know-how and
all other resources at its command on the one hand, and the lay policyholder/claimant without much understanding of
law or necessary resources to take on the insurer, on the other. Recognising this fact, the primary laws as well as
subordinate legislations have included a number of provisions intended to protect the interests of policyholders/claimants.
These provisions, which are discussed below have gone a long way in ensuring prompt settlement of all genuine
claims:
Section 45 of Insurance Act, 1938 stipulates that no life insurance policy can be called in question on ground of
mis-statement of facts after two years from the commencement of policy unless the insurer shows that such
statement was on material matter and that the policyholder knew at the time of making it that the statement was
false or that it suppressed facts which were material to disclose.
Proviso 8 of the IRDA (Protection of Policyholders Interests) Regulations, 2002 lays down the guidelines on
claims procedure in respect of a life insurance policy as follows:
A life insurance policy shall state the primary documents which are normally required to be submitted by a
claimant in support of a claim.
Any queries or requirement of additional documents, to the extent possible, shall be raised at one go, and
not in a piece-meal manner, within a period of 15 days of the receipt of claim.
A claim shall be paid or be disputed giving all the relevant reasons, within 30 days from the date of receipt
of all relevant papers and clarifications, except where an investigation is warranted in the opinion of the
insurer.
Where an investigation is warranted, the insurer shall initiate and complete such investigation in not later
than 6 months from the time of lodging the claim.
In case of a delay on the part of the insurer in processing a claim, the life insurer shall pay interest on the
claim amount at a rate which is 2 per cent above the prevailing bank rate.
Redressal of Public Grievances Rules, 1998 provide for appointment of Insurance Ombudsman for redressal of
policyholders grievances. The powers of Ombudsman as laid out in proviso 12 of the Rules include receiving
and considering any partial or total repudiation of claims by an insurer and delay in settlement of claims.
The Authority also conducts periodic on-site inspection of insurers during which the insurers compliance with the cited
provisions is verified. Insurers found violating the law/regulations are liable for regulatory action. In addition, the Authority
has installed an elaborate grievance redressal mechanism, Integrated Grievance Management System (IGMS), which
enables consolidated access to grievances lodged with insurers and those lodged on the website of IRDA. All grievances,
including those which are claims-related, are captured by IGMS and tracked by the Authority for manner of disposal
and time-lags. Insurers too have internal claims review mechanisms/processes through which they try to ensure that
claims are settled promptly and that no claim is repudiated on flimsy grounds or without adequate documentary evidence.
20
LIFE INSURANCE CLAIMS SETTLEMENT FACTS AND FIGURES

Death Claims Individual Policies
(Number of Policies)
Year
Total Claims
Intimated
Claims
Paid
Claims
Repudiated
Claims
Written Back
Claims pending
at end of year
2006-07
627032
604178
10869
11985
2007-08
577322
553408
9027
339
14548
2008-09
640620
605128
12781
5796
16915
2009-10
762435
726109
14693
5741
15892
2010-11
851534
813932
17350
3837
16415
Claims
Written Back
Claims pending
at end of year
Death Claims Group Policies

(Number of Lives)
Year
Total Claims
Intimated
Claims
Paid
Claims
Repudiated
2006-07
147764
144119
1299
2346
2007-08
162837
159333
1241
34
2229
2008-09
264138
260507
1412
71
2148
2009-10
309151
305739
1520
20
1872
2010-11
436201
421930
2404
266
11601
Over 95 per cent of the total individual death claims intimated have been paid by life insurers in each of the last five
years. While about 2 per cent were repudiated, another 2 per cent were pending settlement as at the end of each of the
five years. The claim settlement ratios are higher in case of group death claims as can be observed from the data
tabulated.
Duration-wise settlement of Death Claims
Out of the claims settled on individual policies in 2010-11, 77 per cent were settled within 30 days of claim intimation,
19 per cent were settled between 31 to 180 days of intimation and the remaining 4.5 per cent beyond 180 days. In the
case of group policies, 94.8 per cent claims were settled within 30 days of intimation and around 5 per cent between 31
and 180 days of intimation. Only a minuscule 0.3 per cent claims were settled beyond 180 days.
Maturity and survival benefits
Life insurers settled over 50 lakh maturity claims in the year 2010-11 paying a total amount of `32,345 crore; and the
number of survival benefits paid in the year was over 1.35 crore for an amount of `19,816 crore. It can be observed
from the above tables that maturity benefits far exceed the amounts paid under death claims. This only reflects the predominance of savings-linked policies in Indian life insurance sector. Again, within the savings-linked products, money
back policies in which intermittent/periodic benefits are payable during the term of the policy are a sizeable portion and
this is indicated by the number and amount of survival benefits paid each year.
21

CHART I.7
DURATION WISE BREAK UP OF CLAIMS PENDING - GROUP POLICIES
Total
LIC
Private
DURATION
> 12 months
> 6 to < 12
months
> 3 to < 6
months
< 3 months
20
40
60
80
PER CENT
I.3.23 Similarly, under group claims, the claim settlement

ratio of LIC was higher than that of the private life insurers.
Settlement ratio of LIC has slightly decreased to
99.66 per cent during the year 2010-11 when compared
to 99.80 per cent during the previous year. The per cent
of repudiations remained constant i.e., 0.01 per cent in
year 2010-11. Even for private insurers, settlement ratio
has declined to 93.33 per cent during the year 2010-11
when compared to 96.80 per cent during the previous
year. For private insurers, per cent of repudiations has
slightly declined to 1.18 per cent in 2010-11 from 1.61
per cent in 2009-10. Therefore the industrys settlement
ratio has slightly decreased to 96.73 per cent in 2010-11
from 98.90 per cent in 2009-10 and the repudiation ratio
has also slightly gone up to 0.55 per cent in 2010-11
from 0.49 per cent in 2009-10.
in fair value. In the case of private insurers, the investment

income including capital gains was at `25,479 crore in
2010-11, as compared to `42,826 crore in 2009-10. As
a percentage of total income, it constituted 22.43 per cent
in 2010-11. The decline in returns from investments held
was a reflection of the conditions prevailing in the stock
markets.
Retention Ratio
I.3.25 LIC traditionally reinsures a small component of
its business. During 2010-11, `119 crore was ceded as
reinsurance premium (`95 crore in 2009-10). 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 `506 crore (`407 crore in
2009-10) 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.
During 2010-11, there has been a significant shift towards
traditional products in the new business underwritten.
ULIPs must necessarily offer a specified component of
risk cover.
Investment income
I.3.24 As the operations of the life insurers stabilize,
their investment base gets strengthened, resulting in
investment income forming a larger proportion of their
total income. In the case of LIC, the investment income
including capital gains was at `95,867 crore in 2010-11
compared to `1,12,425 crore in 2009-10. As a percentage
of total income, it constituted 32.03 per cent in 2010-11
as against 37.66 per cent in 2009-10. The income from
investment includes transfer/gain on revaluation/change
22

2009-10. Sahara India had reported profits for the first
time in 2007-08. Shriram Life after reporting profits for 4
years in a row, had registered loss of `18 crore during
2009-10. During 2010-11, the company reported a net
profit of `17 crore. MetLife reported a profit of `25 crore,
thus reporting profits continuously in the last four financial
years. However, MetLife is carrying deficit in the
Policyholders Account from 2007-08 to 2010-11. The
cumulative losses of the company at the end of the year
2010-11 stood at `1,733 crore.
Profits of Life Insurers

I.3.26 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, achieving
reasonable levels of persistency. The experience of the
insurance markets globally indicates that companies in
the life sector take seven to ten years to break-even.
I.3.28 The cumulative losses of insurers for the financial

year 2010-11 stood at `1,498 crore as against
`3,261 crore for 2009-10. There is noticeable decline in
the rate of loss accretion. In addition, with respect to some
of the insurers, the Revenue Account carries a total deficit
for the year 2010-11 of `627 crore as against `1,004 crore
in 2009-10. The cumulative losses of the life insurance
industry as at 31 st March, 2011 stood at `20,569
(`20,143 crore in 2009-10).
I.3.27 During the financial year 2010-11, the life

insurance industry reported net profit of `2,657 crore as
against net loss of `989 crore in 2009-10. Out of the 23
life insurers in operations during 2010-11, twelve
companies reported profits. They are LIC, ICICI
Prudential, Birla Sunlife, Max New York, Bajaj Allianz,
SBI, Kotak Mahindra, TATA AIG, MetLife, Aviva, Sahara
India and Shriram. Life Insurance Corporation of India
has reported net profit of `1,172 crore i.e., an increase of
10.47 per cent over `1,061 crore in 2009-10. The largest
private sector life insurer ICICI Prudential reported profit
of `808 crore for the second year in a row (`258 crore in
2009-10) after incurring losses for eight consecutive
years. Birla Sunlife, Max New York and TATA AIG
reported profits of `305 crore, `194 crore and `52 crore
respectively after incurring losses for nine successive
years. Bajaj Allianz reported net profit for the second
consecutive year (`542 crore in 2009-10).The net profit
for the year 2010-11 was `1,057 crore. SBI Life reported
profit of `366 crore; the company reported profits for 5
out of last 6 years, i.e., other than in 2008-09. Kotak
Mahindra reported profit of `102 crore for the third year
in a row (`69 crore in 2009-10); it reported profit for the
first time in 2008-09. Aviva reported profit of `29 crore
for the first time in year 2010-11. Sahara India reported a
profit of `28 crore as against a profit of `36 crore during
Returns to shareholders
I.3.29 For the year 2010-11, LIC paid `1,138 crore as
dividend to Government of India. This is 97 per cent of
its net profit reported during the year. This is consistent
with the year 2009-10 when LIC had paid 97 per cent of
its net profit as dividend to the exchequer (`1,031 crore).
Expansion of Offices
I.3.30 During the year under review, there was a decrease
in the number of life insurance offices in India. While
private insurers closed 593 offices, the public sector
insurer LIC established 121 new offices. With this, the
number of offices of life insurers declined from 12,018 as
on 31st March, 2010 to 11,546 as on 31st March, 2011
(Statement No. 29).
TABLE I.14
NUMBER OF LIFE INSURANCE OFFICES*
(AS ON 31st MARCH)
Insurer
2007
2008
2009
2010
2011
Private Total
LIC
Industry Total
3072
2301
5373
6391
2522
8913
8785
3030
11815
8768
3250
12018
8175
3371
11546
* 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.
23

TABLE I.15
DISTRIBUTION OF OFFICES* OF LIFE INSURERS AS ON 31st MARCH, 2011
Insurer
Private Total
LIC
Total
Metro
Urban
Semi-urban
Others
Total
769
363
1132
1428
560
1988
3715
953
4668
2263
1495
3758
8175
3371
11546
* Offices opened after seeking approval of the Authority.

Note : 1)
Data collected from life insurers through a special return.
2) Based on the HRA classification of places, Ministry of Finance.
Metro
: Delhi, Mumbai, Chennai, Kolkata, Hyderabad and Bengaluru.
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.
CHART I.8
NUMBER OF LIFE INSURANCE OFFICES
Private
LIC
Total
15000
12500
NUMBER
10000
7500
5000
2500
0
2006
2007
2008
2009
Year (As at 31st March)
2010
2011
CHART I.9
GEOGRAPHICAL DISTRIBUTION OF LIFE INSURANCE OFFICES
PRIVATE
LIC
9%
11%
28%
17%
44%
18%
45%
28%
Metro
Urban
24
Semi-urban
Others

Premium
I.3.31 From Table No. I.15, it is observed that majority

of offices of life insurers are located either in semi-urban
areas or in small towns which are not listed in HRA
classifications of the Ministry of Finance. Around 70 per
cent of life insurance offices are located in these small
towns. This pattern of distribution of offices is consistent
across both private sector and public sector life insurers.
(Statement No. 30).
I.3.33 The non-life insurance industry underwrote total

premium of `42,576 crore in 2010-11 as against
`34,620 crore in 2009-10, registering an impressive
growth of 22.98 per cent as against an increase of
14.06 per cent recorded in the previous year. The public
sector insurers exhibited impressive growth in 2010-11
at 21.84 per cent; over the previous years growth rate of
14.49 per cent. The private general insurers registered
growth of 24.67 per cent, which is much higher than
13.44 per cent achieved during the previous year.
NON-LIFE INSURANCE
I.3.32 As on 31st March, 2011, 24 general insurance
companies had been granted registration for carrying on
non-life insurance business in the country. Of these, six
are in public sector and the rest are in private sector. Of
the private sector insurers, 3 have been granted
registration to carry on operations in the health segment.
Among the public sector companies, while the four public
sector insurance companies carry on multiline operations,
there are two specialised insurance companies: one for
credit insurance (ECGC) and the other for crop insurance
(AIC). Out of the 18 private sector companies, L&T
General has been granted licence during 2010-11.
TABLE I.16
GROSS DIRECT PREMIUM INCOME IN INDIA OF
NON-LIFE INSURERS
(` crore)
Insurer
2009-10
2010-11
Public
20643.45
(14.49)
13977.00
(13.44)
34620.45
(14.06)
25151.83
(21.84)
17424.63
(24.67)
42576.45
(22.98)
Private
Total
Note: Figure in brackets indicates growth in per cent.
CHART I.10
GROSS DIRECT PREMIUM INCOME OF NON-LIFE INSURERS
2009-10
50000
40000
` crore
30000
20000
10000
0
Private
Public
25
Industry
2010-11

I.3.34 The premium underwritten by 15 private sector
insurers (other than the insurers carrying on exclusively
health insurance business) in 2010-11 was `17,425 crore
as against `13,977 crore in 2009-10. ICICI Lombard
continued to be the largest private sector non-life
insurance company, with market share of 9.99 per cent.
It reported a marginal increase in market share up from
9.52 per cent in 2009-10. Bajaj Allianz, the second largest
private sector non-life insurance company, which
underwrote a total premium of `2,870 crore, saw decline
in market share from 7.17 per cent in 2009-10 to 6.74
per cent during the year under review. Of the 15 private
insurers, 12 reported an increase in premium underwritten
and one insurer namely, Reliance General witnessed a
significant decline in premium underwritten (reported a
negative growth of 16.38 per cent). The other two insurers
had commenced their operations in 2010-11.
I.3.35 In case of public sector non-life insurers, all four

companies expanded their business with an increase in
respective premium collections. The market share of
these companies, other than for National, however,
declined from their previous year respective levels.
National underwrote a premium of `6,221 crore in
2010-11 as against `4,625 crore in the previous year,
which helped to improve its market share to 14.61
per cent in 2010-11 (13.36 per cent in the previous year).
It reported growth of 34.50 per cent, which is higher than
the industry average for 2010-11. New India, with
insurance premium of `7,097 crore, remains the largest
general insurance company in India with market share
of 16.67 per cent.
TABLE I.17
COMPANY WISE GROSS DIRECT PREMIUM INCOME IN INDIA : NON-LIFE INSURERS
INSURER
National
New India
Oriental
United
Public-Total
Royal Sundaram
Reliance
IFFCO Tokio
TATA AIG
ICICI Lombard
Bajaj Allianz
Cholamandalam
HDFC Ergo
Future Generali
Universal Sompo
Shriram
Bharti AXA
Raheja QBE
SBI General
L&T General
Private-Total
Grand Total
Total Premium
(` crore)
2009-10
2010-11
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
6220.70
7097.14
5457.33
6376.66
25151.83
1144.00
1655.43
1783.18
1173.09
4251.87
2869.96
968.00
1279.91
600.16
299.10
780.89
553.90
4.90
43.02
17.24
17424.63
42576.45
Note: indicates not in operation
26
Market Share
(In per cent)
2009-10
2010-11
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
14.61
16.67
12.82
14.98
59.07
2.69
3.89
4.19
2.76
9.99
6.74
2.27
3.01
1.41
0.70
1.83
1.30
0.01
0.10
0.04
40.93
100.00

Segment wise premium
TABLE I.18
PREMIUM (WITHIN INDIA) UNDERWRITTEN BY
NON-LIFE INSURERS - SEGMENT WISE
(` crore)
I.3.36 The Motor business continued to be the largest

non-life insurance segment with a share of 42.70 per cent
(43.46 per cent in 2009-10). It reported growth rate of
20.82 per cent (12.83 per cent in 2009-10). The premium
collection in Health segment continued to surge ahead
at `9,944 crore in 2010-11 from `7,311 crore of 2009-10,
registering growth of 36.01 per cent. This resulted in
increase in share of health segment to the total premium
to 23.35 per cent in 2010-11 (21.12 per cent in 2009-10).
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
increased by 17.72 per cent and 16.20 per cent
respectively in 2010-11 after remaining stagnant in
2009-10.
Department
Fire
Marine
Motor
Health
Others
Total Premium
2009-10
2010-11
3869.27
(11.18)
2167.59
(6.26)
15047.00
(43.46)
7311.37
(21.12)
6225.22
(17.98)
34620.45
(100.00)
4555.12
(10.70)
2518.77
(5.92)
18180.52
(42.70)
9944.03
(23.35)
7378.01
(17.33)
42576.45
(100.00)
Note : Figure in brackets indicates share of respective segments in

total premium (in per cent).
CHART I.11
SEGMENT-WISE NON-LIFE PREMIUM
2010-11
2009-10
18%
11%
17%
6%
21%
11%
6%
23%
43%
44%
Fire
Marine
Motor
Health
Others
Premium Underwritten Outside India

TABLE I.19
RATIO OF OUTSIDE INDIA PREMIUM TO TOTAL
PREMIUM
(In per cent)
I.3.37 All public sector insurers (except United India)

are underwriting non-life insurance business outside
India. United India ceased its operations outside India in
2003-04. The total premium underwritten outside the
country by the three public sector insurers stood at
`1,265 crore in 2010-11 as against `1,195 crore in
2009-10 registering growth of 5.86 per cent (11.04
per cent in the previous year). The premium underwritten
outside India accounted for 2.89 per cent of total premium
underwritten.
Insurer
National
New India
Oriental
United*
* Ceased operations in 2003-04.
27
2009-10
2010-11
0.45
14.88
2.43
-
0.39
13.71
2.02
-

I.3.38 New India continued to be the largest public sector
general insurer underwriting premium outside India, with
the premium underwritten outside India constituting 13.71
per cent of the total premium underwritten by the insurer
in 2010-11. In case of Oriental, the contribution of outside
India premium to the total premium works out to 2.02
per cent in 2010-11, marginally lower than 2.43 per cent
in 2009-10. National Insurance continued to have a small
component of overseas business at 0.39 per cent in
2010-11, slightly lower than 0.45 per cent in 2009-10.
TABLE I.21
NUMBER OF NEW POLICIES ISSUED :
NON-LIFE INSURERS
(In Lakhs)
Insurer
Public Sector
Private Sector
TABLE I.20
GROSS DIRECT PREMIUM FROM BUSINESS
OUTSIDE INDIA :
NON-LIFE INSURERS
(` crore)
Insurer
National
New India
Oriental
Total
2009-10
20.81
(30.49)
1056.63
(11.58)
117.97
(3.81)
1195.41
(11.04)
Total
2009-10
2010-11
434.04
(-3.84)
240.84
(9.86)
674.88
(0.64)
505.76
(16.52)
287.652
(19.44)
793.41
(17.56)
Note: Figure in brackets indicates the growth (in per cent) over previous year.
Paid-up Capital
2010-11
I.3.41 The total paid-up capital of non-life insurers as on
31st March, 2010 was `5,684 crore. During 2010-11, the
non-life insurers added `1,021 crore (all in the private
sector) to their equity capital base. With this, the total
paid up capital of the non-life insurance sector has gone
upto `6,706 crore as on 31st March, 2011 The paid-up
capital of the public sector companies remained
unchanged at `550 crore in 2010-11. (Statement No. 52)
24.47
(17.56)
1128.37
(6.79)
112.55
(-4.60)
1265.39
(5.85)
TABLE I.22
PAID UP CAPITAL : NON-LIFE INSURERS AND
REINSURER*
(As on 31st March)
(` crore)
Note: Figure in brackets indicates growth over the previous year.

United India ceased its overseas operation in 2003-04.
I.3.39 Of the total premium of `1,265 crore written outside

India in 2010-11, New India underwrote a higher premium
of `1,128 crore (`1,056 crore in 2009-10), its market share
in the total outside India premium of public general
insurers increased to 89.17 per cent from 88.39 per cent
in 2009-10. National underwrote a premium of
`24.47crore (`20.81 crore in 2009-10). The outside India
premium underwritten by Oriental Insurance stood at
`113 crore which is lower than previous years `118 crore,
recording a 4.60 per cent decline.
Insurer
2010
2011
Multi-line Insurers
Public Sector
Private Sector
550
3160
550
3956
Specialised Insurers
ECGC
AIC
900
200
900
200
Health Insurers
Star Health
Apollo Munich
Max Bupa
164
129
151
203
196
271
Reinsurer
GIC
430
430
5684
6706
Number of Policies Issued

I.3.40 The non-life insurers underwrote 793.41 lakh
policies in 2010-11 as against 674.88 lakh in 2009-10,
reporting an increase of 17.56 per cent over 2009-10.
Public sector insurers witnessed major turnaround in the
number of policies issued. They reported 16.52 per cent
increase in number of policies issued during 2010-11
compared to 2009-10 (negative growth at -3.84 per cent).
Similarly, private sector insurers reported growth in
number of policies issued at 19.44 per cent (9.86 per
cent in 2009-10).
Total
Note: * Including specialised Institutions.

Excludes premium on issue of equity share capital (Statement No. 52).
28

Underwriting Experience
TABLE I.23
UNDERWRITING LOSSES : NON-LIFE INSURERS
(` crore)
I.3.42 The underwriting losses of the non-life insurance

companies increased to `9,969 crore in 2010-11, up from
`5,944 crore in the previous year. There was a significant
jump in underwriting
Public Sector
losses at 67.72 per cent

Private Sector
(2009-10: 11.64 per cent). Increase in underwriting losses
Total
was observed across the board for both public and private
sector non-life insurers, impacted by the provisioning
2009-10
2010-11
4541.18
(7.43)
1402.48
(27.86))
5943.66
(11.64)
7549.50
(66.24)
2419.45
(72.51)
9968.95
(67.72)
Note: Figure in brackets indicates growth over the previous year in

per cent.
requirements in the Motor Third Party Liability segment.
TABLE I.24
COMMISSION EXPENSES : NON-LIFE INSURERS
(` crore)
Segment
Fire
Marine
Motor
Health
Others
Total
Private Sector
2009-10
2010-11
60.79
40.51
288.14
140.58
146.88
676.90
74.86
52.88
307.32
189.58
169.56
794.21
Public Sector
2009-10
2010-11
Total
2009-10
2010-11
239.86
123.26
553.64
486.17
422.87
1825.81
300.65
163.77
841.77
626.75
569.76
2502.71
342.65
194.45
883.35
714.76
602.33
2737.55
267.79
141.57
576.03
525.18
432.77
1943.34
TABLE I.25
OPERATING EXPENSES : NON-LIFE INSURERS
(` crore)
Expenses of Non-Life Insurers

I.3.43 The commission expenses of public and private
non-life insurers stood at `1,943 crore and `794 crore
respectively for 2010-11, cumulatively amounting to a total
commission expense of `2,736 crore for the non-life
industry. The commission expenses continued to be the
highest in the Motor segment, which stood `883 crore,
comprising of `576 crore for the public sector and
`307 crore for the private sector companies.
Insurer
2009-10
2010-11
Public Sector
Private Sector
Total
5262.59
3129.61
8392.20
6688.60
3931.88
10620.48
Note: Public sector does not include ECGC, AIC and GIC.
I.3.45 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.3.44 Commission expenses and operating expenses

constitute a major part of the total expenses. The
operating expenses of non-life insurance companies
stood at `10,620 crore in 2010-11 as against `8,392 crore
in 2009-10, registering overall growth of 26.55 per cent.
The growth in the operating expenses was observed
equally in case of both public insurers (27.10 per cent)
I.3.46 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.
and private insurers (25.63 per cent).

29

Out of the 24 non-life insurance companies
an increase of 32.60 per cent during 2010-11. While the
(including the four public sector undertakings, the three

standalone health insurers and the two specialised
institutions) in the year 2010-11, ten companies are in
the exemption period. Of the balance, five are compliant
with the limits under Rule 17E.
public sector insurers reported growth at 30.95 per cent

in the incurred claims, the same was higher for private
insurers at 35.99 per cent. However, overall the growth
in incurred claims during 2010-11 at 32.60 per cent was
significantly higher than 12.97 per cent recorded during
the previous year.
I.3.47
TABLE I.26
NET INCURRED CLAIMS OF NON-LIFE INSURERS
(` crore)
Insurer
Public Sector
Private Sector
Total
2009-10
2010-11
14967.23
(9.75)
7307.25
19599.14
(30.95)
9937.31
(20.20)
22274.48
(12.97)
(35.99)
29536.45
(32.60)
I.3.49 The incurred claims ratio (net incurred claims to

net premium) of the non-life insurance industry was 93.37
per cent during 2010-11, which is more than the previous
years figure of 85.50 per cent. Between private and public
sector insurers, the public sector insurers have a
comparatively higher incurred claims ratio at 97.03 per
cent (88.27 per cent in 2009-10). The same for private
sector insurers was 86.90 per cent (80.30 per cent in
2009-10).
I.3.50 Among the various segments, Motor insurance
and Health insurance had high claims ratio at 102.69 per
cent and 100.08 per cent respectively. In comparison to
the previous year, the incurred claims ratio in all segments
except in health insurance, has increased. There was a
Note: Figure in brackets indicates the growth rate (in per cent) of
the respective sector

I.3.48 The net incurred claims of the non-life insurers
stood at `29,536 crore in 2010-11 as against
substantial reduction in the incurred claims ratio in the

health segment from 111.13 per cent in 2009-10 to 100.08
per cent in 2010-11.
`22,274 crore in 2009-10. The incurred claims exhibited
TABLE I.27
INCURRED CLAIMS RATIO
(In per cent)
Segment
Public Sector
2009-10
2010-11
Private Sector
2009-10
2010-11
Total
2009-10
2010-11
Fire
81.10
87.86
72.79
75.16
79.91
86.07
Marine
75.50
92.89
86.40
82.12
78.08
90.18
Motor
87.84
111.10
80.42
93.70
84.51
102.69
Health
119.85
106.31
92.22
85.15
111.13
100.08
Others
56.59
58.11
56.81
49.76
56.64
56.13
Total
88.27
97.03
80.79
86.90
85.50
93.37
30
BOX ITEM 2
CLAIMS SETTLEMENT IN NON-LIFE INSURANCE SECTOR
The business of insurance is all about settling claims. Underwriting and claims settlement are the two most important aspect
of the functioning of an insurance company. Out of any insurance contract, the customer has the following expectations:
Adequate insurance coverage, which does not leave him high and dry in time of need, with right pricing.
Timely delivery of defect free policy documents with relevant endorsements/warranties/conditions/guidelines.
Should a claim happen, quick settlement to his satisfaction.
Around 15 per cent of policies in non-life insurance segment result in claim. The claim settlement in non-life insurance, thus,
has its own peculiarities and therefore need proper handling.
The claims settlement record of an insurer is therefore the touchstone of its performance. In order to ensure that the insurer
is in the position to promptly settle all its claims, it needs to do a careful evaluation of the risks that would arise out of the
underwritten contracts and price their premiums accordingly. Underwriting expertise is often what differentiates one insurer
from another and if an insurer fails to anticipate claims correctly it runs the risk of erosion of capital and of solvency/liquidity
issues. On the servicing/market conduct front, insurers need to develop a robust claims processing mechanism which is
speedy and policyholder-friendly. Excessive time-lags in settlement of claims or higher percentage of repudiations do not
speak well of insurers approach to its business and to its policyholders.
The statutory and regulatory provisions dealing with claims settlement are given below:
1.
Section 14 of Insurance Act, 1938 stipulates that every insurer shall maintain a register or record of claims, in which shall
be entered every claim made together with the date of the claim, the name and address of the claimant and the date on
which the claim was discharged, or, in the case of a claim which is rejected, the date of rejection and the grounds there
for.
2.
Section 64UM of the Insurance Act, 1938 stipulates that no claim in respect of a loss equal to or exceeding twenty
thousand rupees on any insurance policy can be settled by the insurer unless he has obtained a report, on the loss that
has occurred, from a person who holds a surveyor or loss assessor license.
3.
Regulation 8 of the IRDA (Protection of Policyholders Interests) Regulations, 2002 lays down the guidelines on claims
procedure in respect of a non-life insurance policy as follows:
An insured or the claimant shall give notice to the insurer of any loss arising under contract of insurance at the
earliest. On receipt of such a communication, a general insurer shall respond immediately and give clear indication
to the insured on the procedures that he should follow. In cases where a surveyor has to be appointed for assessing
a loss/ claim, it shall be so done within 72 hours of the receipt of intimation from the insured.
Where the insured is unable to furnish all particulars required by the surveyor or where the surveyor does not
receive the full cooperation of the insured, the insurer or the surveyor as the case may be, shall inform in writing the
insured about the delay that may result in the assessment of the claim. The surveyor shall communicate his findings
to the insurer within 30 days of his appointment with a copy of the report being furnished to the insured, if he so
desires. In special circumstances of the case, either due to its special or complicated nature, the surveyor shall
under intimation to the insured, seek an extension from the insurer for submission of his report. In no case shall a
surveyor take more than six months from the date of his appointment to furnish his report.
If an insurer, on receipt of a survey report, finds that it is incomplete in any respect, he shall require the surveyor
under intimation to the insured, to furnish an additional report on certain specific issues as may be required by the
insurer. Such a request may be made by the insurer within 15 days of the receipt of the original survey report.
Provided that the facility of calling for an additional report by the insurer shall not be resorted to more than once in
the case of a claim.
The surveyor on receipt of this communication shall furnish an additional report within three weeks of the date of
receipt of communication from the insurer.
On receipt of the survey report or the additional survey report, an insurer shall within a period of 30 days offer a
settlement of the claim to the insured. If the insurer, for any reasons to be recorded in writing and communicated to
the insured, decides to reject a claim under the policy, it shall do so within a period of 30 days from the receipt of the
survey report or the additional survey report, as the case may be.
Upon acceptance of an offer of settlement as stated in sub-regulation (5) by the insured, the payment of the amount
due shall be made within 7 days from the date of acceptance of the offer by the insured. In cases of delay in the
payment, the insurer shall be liable to pay interest at a rate which is 2 per cent above the bank rate prevalent at the
beginning of the financial year in which the claim is reviewed by it.
31
4.
Redressal of Public Grievances Rules, 1998 provide for appointment of Insurance Ombudsman for redressal of
policyholders grievances. The powers of Ombudsman as laid out in proviso 12 of the Rules include receiving and
considering any partial or total repudiation of claims by an insurer and delay in settlement of claims.
The Authority also conducts periodic on-site inspection of insurers during which the insurers compliance with the cited
provisions is verified. Insurers found violating the law/regulations are liable for regulatory action.
In addition, Authority has installed an elaborate grievance redressal mechanism, Integrated Grievance Management System
(IGMS), which enables consolidated access to grievances lodged with insurers and on the website of IRDA. All grievances
including those which are claims-related are captured by IGMS and are tracked by the Authority for manner of disposal and
time-lags.
Insurers too have internal claims review mechanisms/processes by which they try to ensure that claims are settled promptly
and no claim is repudiated on flimsy grounds or without adequate documentary evidence.
NON-LIFE INSURANCE CLAIMS SETTLEMENT FACTS AND FIGURES
Year
2010-11
Outstanding
as on
1st April,
2010
No. of claims
reported
during
2010-11
Total claims
processed
during
2010-11
No. of claims
settled
during
2010-11
% of settlement
- claims
settled/ total
claims
processed
No. of
claims
repudiated
% of
repudiation
-repudiated/
total claims
processed
3331724
26598505
29930229
25535978
85.3
779645
2.6
Based on the analysis of the data, the Authority has observed the following pattern in the claim settlement processes:
1.
The broad reasons for repudiation of claims by the general insurers are as under:
Broad Classification
a) Policy Terms & Conditions
Due to delay in intimation of claim
Due to delay in submission of claim documents by insured
Claim was repudiated due to breach of warranty
Fraud, Misrepresentation, non-disclosure
Non-compliance with specific claim documentation
Non-cooperation of the claimant
Alteration in the risk not informed to the insurance company
Repudiation of motor insurance claim due to non-communication of change in ownership to the insurer
Non protection of subrogation rights/recovery rights
Others
b) Proposal/Underwriting related
Claim repudiated due to premium dispute
No coverage of perils
Due to exclusions in the policy
Lack of insurable interest
Others
c) Product related
Exclusion of health insurance claims due to prescribed waiting period
Claim was repudiated due to pre-existing exclusion clause
Falling under deductible
Others
d) Others
2.
From the total number of claims processed during the year by the non-life insurers, the percentage of claims repudiated
at the industry level is only 2.6 per cent.
3.
As against this, the industry settled 85.3 per cent claims of the total claims lodged and the balance 12.1 per cent were
outstanding at the end of the year.
4.
Overall, the number of repudiated claims has been increasing. The rise is due to the fact that the sector is expanding
rapidly and business volumes are increasing. The number of policies issued by non-life insurance companies is increasing
year on year. The same stood at 7.93 crore in the year 2010-11 (4.67 crore in the year 2006-07, at the time of de-tariffing).
Accordingly, the number of claim intimations would also be more and therefore an increase in claim repudiations in
numerical terms.
32

Investment Income : Non-Life Insurers
TABLE I.29
NET PROFITS/LOSSES OF NON-LIFE INSURERS
(` crore)
I.3.51 The investment income of all non-life insurers

during 2010-11 was `9,382 crore (`7,682 crore in
2009-10) registering a growth of 22.13 per cent. During
the year under review, the investment income of both
private and public sector insurers reflected an upward
movement at 15.39 per cent and 23.55 per cent,
respectively.
Insurer
2009-10
2010-11
Public Sector
Private Sector
Total
1293.07
-88.56
1204.51
-161.51
-857.43
-1018.94
Returns to Shareholders
TABLE I.28
INVESTMENT INCOME
I.3.55 Of the four public sector non-life insurance

companies, only United India paid dividend of `30 crore
in 2010-11 as against `142 crore in 2009-10, to the
exchequer. Among the private sector players, only ICICI
Lombard paid a dividend of `56.59 crore during the year
2010-11 (`64.52 crore in 2009-10).
(` crore)
Insurer
2009-10
2010-11
Public sector
6347.27
(32.24)
1334.29
(22.28)
7681.56
(30.39)
7842.20
(23.55)
1539.63
(15.39)
9381.83
(22.13)
Private sector
Total
I.3.56 Agriculture Insurance Company declared `20 crore

as dividends in 2010-11. ECGC paid `26.10 crore as
dividends, which is substantially higher than `10.75 crore
in the previous year. The dividend paid by GIC decreased
from `353 crore in 2009-10 to `206 crore in 2010-11.
Note: Figure in brackets indicates the growth rate (in per cent) of
the respective Sector.
TABLE I.30
DIVIDENDS PAID : NON-LIFE INSURERS
(` crore)
Net Profits of Non-life Insurers
Insurer
I.3.52 During 2010-11, the net loss of non-life insurance

sector was `1,019 crore. The public sector companies
reported a net loss of `162 crore, as against private sector
companies which collectively reported a net loss of
`857 crore.
Non Life
Public sector
Private Sector
Specialised Institution
ECGC
AIC
Reinsurer
GIC
Total
I.3.53 Among the public sector companies, except New

India, all other companies reported net profits during
2010-11. United India made a net profit of `131 crore
during 2010-11 (`708 crore in 2009-10), the largest
among the public sector companies. The other public
sector companies which reported net profits were National
and Oriental at `75 crore and `55 crore, respectively.
New India incurred a net loss of `422 crore.
(Statement No. 55)
2009-10
2010-11
270.98
71.93
30.00
56.59
10.75
0
26.10
20.00
352.60
706.26
206.40
339.09
Number of offices
I.3.57 As on 31st March, 2011 the non-life insurance
companies were operating from 6,660 offices all over the
country, of which the public sector and private sector
companies had 4,911 and 1,749 branches respectively.
(Statement No. 72)
I.3.54 Among the fifteen private insurance companies,

while two companies reported profits, the remaining
thirteen incurred net losses during 2010-11. The net profit
of Bajaj Allianz was `43 crore in 2010-11 (as against
`121 crore in 2009-10). Shriram reported net profit of
`13 crore (`16 crore in 2009-10). The thirteen insurers
which reported net losses were Reliance, HDFC Ergo,
Future Generali, Universal Sompo, Bharti AXA, Raheja
QBE, ICICI Lombard, Royal Sundaram, TATA AIG,
IFFCO Tokio, Cholamandalam, SBI General and L&T
General. (Statement No. 58)
TABLE I.31
NUMBER OF NON-LIFE INSURANCE OFFICES
(AS ON 31st MARCH)
Insurer
Public Sector*
Private Sector
Total
2009-10
2010-11
4771
1646
6417
4911
1749
6660
* includes specialised insurers AIC and ECGC.
33

CHART I.12
NUMBER OF NON-LIFE INSURANCE OFFICES
7000
2009-10
2010-11
6000
5000
4000
3000
2000
1000
Public
Private
Industry
* includes specialised insurers AIC and ECGC.
I.3.60 Consequent upon the Corporation 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 2010-11 was 21 per cent at `3,164 crore as against
`2,620 crore in 2009-10 and the total assets of the
company expanded by 5 per cent to `2,062 crore in
2010-11 from `1,959 crore in 2009-10.
SPECIALISED INSTITUTIONS:
Export Credit Guarantee Corporation of India Ltd.
I.3.58 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 `885 crore in 2010-11, reporting
a growth of 8.91 per cent as against `813 crore in
2009-10. On net basis, the insurer earned net premiums
to the tune of `675 crore as against `576 crore in the
previous year. The insurer reported underwriting loss of
`225 crore in 2010-11 (loss of `171 crore in 2009-10).The
net profit of the company increased to `85.66 crore from
`53.73 crore in the previous year. The insurer reported
incurred claims ratio of 112.24 in 2010-11 (117.22 in
2009-10).
Agricultural Insurance Company of India Ltd.

I.3.61 Agriculture Insurance Company of India Ltd. (AIC)
is a specialised insurer underwriting business in
agriculture insurance. The company underwrote gross
direct premium of `1,950 crore in 2010-11, reporting
growth of 28.26 per cent as against `1,520 crore in
2009-10. On net basis, the insurer earned net premiums
to the tune of `1,275 crore as against `1,023 crore in the
previous year. The insurer reported underwriting profit
of `412 crore (loss of `143 crore in 2009-10).The net
profit of the company increased to `380 crore from
`33.40 crore in the previous year. The companys
incurred claims ratio for the year 2010-11 was 74.47
(116.30 in 2009-10).
I.3.59 The Corporation had 13,093 short term export

credit insurance policies in force in 2010-11 (13,429 in
2009-10) including transfer guarantees. Premium income
earned on short term policies during the year was
`333 crore (`289 crore in 2009-10) reporting growth of
14.91 per cent during the year under review as against a
robust growth of 37.5 per cent in the previous year. The
premium income from the medium and long term business
during 2010-11 was `41.23 crore as against `36.90 crore
in 2009-10 reporting a growth of 11.73 per cent.
34

HEALTH INSURANCE COMPANIES
in the Health, Personal Accident and Travel insurance

segments. In its fourth year of operations, the company
underwrote gross direct premium of `283 crore in
2010-11 as against `115 crore in 2009-10, i.e., growth of
146.54 per cent. The net earned premium underwritten
by the company stood at `148.74 crore in 2010-11 as
against `69.96 crore in 2009-10. The insurer reported
underwriting loss of `94.42 crore (loss of `98.65 crore in
2009-10), and incurred net loss of `79.44 crore in
2010-11 (net loss of `89.70 crore in 2009-10). The
insurers incurred claims ratio was 61.96 per cent in
2010-11 (85.39 per cent in 2009-10).
I.3.62 IRDA has so far granted licences to three insurance

companies to operate exclusively in the Health insurance
segment. The performance of these companies is given
below.
Star Health and Allied Insurance
I.3.63 Star Health was the first company granted
registration to exclusively underwrite business in Health,
Personal Accident and Travel insurance segments in
2006-07. In its fifth year of operations, the insurer
underwrote gross direct premium of `1,228 crore in
2010-11, reporting growth of 27.65 per cent as against
`962 crore in 2009-10. On net basis, the insurer earned
net premium to the tune of `831 crore as against
`610 crore in the previous year. The insurer reported
underwriting loss of `8.68 crore for 2010-11 (loss of
`1.74 crore in 2009-10). For the financial year 2010-11,
the insurer has reported a net profit of `7.39 crore as
against of `5.26 crore in previous year. The companys
incurred claims ratio for the year 2010-11 was 91.19
(87.11 in 2009-10).
Max Bupa Health Insurance

I.3.65 Max Bupa is the third specialised Health Insurer
and was issued certificate of registration in the year 200910. The company underwrote gross direct premium of
`25 crore in 2010-11 against `0.13 crore in the previous
year, as it started operations in the month of March 2010.
The net earned premium underwritten by the company
stood at `8.07 crore in 2010-11. The company reported
underwriting loss of `124 crore for 2010-11. The insurer
has reported a net loss of `116.25 crore for 2010-11 as
against of `36.60 crore in the previous year. Its incurred
claims ratio for the year 2010-11 was 50.31 per cent.
Apollo Munich Health Insurance

I.3.64 Apollo Munich was the second company to receive
registration to underwrite insurance business exclusively
BOX ITEM 3
PORTABILITY OF HEALTH INSURANCE PRODUCTS
During 2008-09, the Authority established a Data Repository so that insurers could be equipped with authentic, robust granular
data on health insurance. As an obvious step forward, IRDA and the industry deliberated on the issue of health insurance
portability. Subsequently, General Insurance Council (GIC) developed a health insurance policy that could be a standard
across all insurers and to some extent would give policyholders the freedom to change insurance providers while retaining
the bonuses gained.
While examining the standard product recommended by GIC, the Authority realised that the limitations in terms of age, sum
insured could make the proposed standard product obsolete soon. For example, the maximum sum insured offered was only
`2 lakh, which could be meaningless in five years due to medical inflation. This standard product was highlighted across the
media and the issues were also raised in the Parliament through numerous Parliamentary Queries (PQs); and the Authority
assured the Parliament that the concerns will be adequately addressed.
Apart from the above, as a result of the adverse claim ratio experienced by all insurers, and as a ripple effect the upward
revision of premium by public sector insurers; the policyholder witnessed a steep hike in premiums across all health insurance
policies. This led to the upsurge of complaints from policyholders on non-cognizance of the credit gained by an insured
especially in terms of waiting period for pre-existing diseases, coverage etc., in a health insurance policy whenever they opt
for a change in insurance company. After due consideration and interaction across the industry, the Authority has concluded
that persons who are insured should get credits for the covered term across the industry and this should not be limited only to
the specific insurance company.
Benefits to the policyholder:
With the introduction of health insurance portability, the policyholder will be the decision maker and the centre of attention in
the health insurance ecosystem. Now the insured has the option to switch over from one insurance company to another,
35

instead of having to discard the insurance mechanism for health care. The option will allow employees changing jobs to
carry forward their insurance cover and, maybe, even a conversion to an individual plan. As for insurers, this move will fuel
competition among them and they will need to improve their offerings, pricing and service standards if they wish to match
the consumers expectations and retain the policyholders. One important implication envisaged through this initiative is to
compel insurance industry to act towards standardisation of costs incurred on treatments; as now, neither the insurers nor
the hospitals can avoid the accountability and transparency about costs. IRDA has issued two circulars on the subject of
Portability of Health insurance:
1.
Circular dated 10th February, 2011:
Insurance companies have been advised by IRDA to permit the policyholders to carry forward the credit gained for preexisting conditions in terms of waiting period when he or she switches from one insurer to another; or from one plan to
another, provided the previous policy has been maintained without break.
The entire database of the companies, including the claim details, in respect of policies where the policyholders have
opted for portability will have to be shared with their counterparts, if requested by the counterpart within seven working
days of such request. A time period of three days has been granted by the regulator to acknowledge portability applications.
This reform is expected to bring about a positive change in the insurance industry as a whole. The industry players have
welcomed this development. Health insurance portability will bring about a higher level of competition within the health
insurers in order to retain the existing customers. This will ensure that there is constant innovation and improvement in
the efficiency, standards and services.
2.
Circular dated 9th September, 2011:
It was felt necessary to put in place a system to enable collection of data on the history of health insurance and
monitoring the transfer of records of the porting policyholder. In that context, it was decided that the implementation of
portability of health insurance policies would be mandated to commence no later than 1st October, 2011.
Detailed procedures on health insurance portability have been set out.
Definition of Portability and break in policy:
Portability: Portability means the right accorded to an individual health insurance policyholder (including family
cover) to transfer the credit gained by the insured for pre-existing conditions and time bound exclusions if the
policyholder chooses to switch from one insurer to another insurer or from one plan to another plan of the same
insurer, provided the previous policy has been maintained without any break.
Break in policy: A break in policy occurs when the premium due on a given policy is not paid on or before the
premium renewal date or within 30 days thereof.
Grace period henceforth increased to 30 days.
Portal on Portability of health insurance.
General Insurance Corporation of India (GIC)
I.3.67 The total net premium written by GIC during

2010-11 increased by 19.78 per cent to `10,513 crore
from `8,777 crore in 2009-10. The net earned premium
of the reinsurer (the net premium after adjustments for
Reserve for Unexpired Risks) during 2010-11 increased
significantly (18.17 per cent) to `9,544 crore from
`8,076 crore in 2009-10. The net incurred claims ratio of
GIC was 90.38 per cent in 2010-11 at `8,626 crore as
against `6,856 crore (84.89 per cent) in 2009-10. The
company booked net profit (after tax) of `1,033 crore as
against `1,775 crore, resulting in decline of 41.77
per cent over the previous year.
I.3.66 GIC is the sole national reinsurer, providing

reinsurance to the direct general insurance companies
in India. The Corporations reinsurance programme has
been designed to meet the objectives of optimizing the
retention within the country, ensuring adequate coverage
for exposure and developing adequate capacities within
the domestic market. 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 treaty and facultative programmes
of these companies.
36

I.4 REVIEW
I.4.1
PROTECTION
POLICYHOLDERS
OF
INTERESTS
various intermediaries, notified by IRDA are geared to

address these issues. However, given the complexity of
some of the products, IRDA felt the need for more specific
solutions relating to mis-selling in the specific area of
Unit Linked Insurance Products (ULIPs). In respect of
ULIPs, IRDA has stipulated that insurers must provide
the prospect/policyholder all relevant information about
amounts deducted towards various charges for each
policy year so that the prospect could take an informed
decision. Further, insurers are required to provide Benefit
Illustrations giving two scenarios of interest, 6 per cent
and 10 per cent respectively. The prospect is also
required to sign the illustration while signing the proposal.
OF
I.4.1.1 Policyholder protection is deemed to be successful

if certain basic parameters are achieved and the most
important among them is transparency. A prospect should
be provided with full, plain, adequate and comparable
information about the rates, terms and conditions, risks
involved, etc. There should be utmost transparency at
the time of sale and promotion so that the policyholder is
confident that he or she is being given complete
information regarding the product. Provision of clear and
complete information about products is not only a
fundamental expectation but also a necessity, to ensure
fair treatment to policyholders by insurance companies.
The IRDA (Protection of Policyholders Interest)
Regulations, 2002 define the obligations of insurers and
intermediaries and lay down timeframes for compliance
of various policyholder servicing parameters covering the
life cycle of the insurance product, from sale to servicing
including claims servicing. The regulations for the
Intermediaries - Agents, Corporate Agents and Brokers,
among other things, lay down the Code of Conduct
including at the point of sale. The IRDA (Insurance
Advertisement and Disclosure) Regulations, 2000
address advertising and disclosure requirements at the
point of sale. The File and Use procedure of IRDA is also
a drill from the point of view of product simplicity and its
understanding, apart from other parameters.
I.4.1.4 More recently, IRDA has taken certain initiatives

in the form of specific regulations/modifications to existing
regulations. There are certain distribution related
modifications with a view to ensuring that there is no
scope for the involvement of unlicensed personnel/
entities in the sale of insurance products. There is also
no scope for payment of any remuneration other than
commission where sale has been affected. This measure
reduces the expenses of the insurer, thereby lowering
the premiums to be paid by the policyholder. Further,
IRDA has also addressed the issue of Referrals with the
IRDA (Sharing of database for distribution of insurance
products) Regulations, 2010 that leaves no scope for
misuse of the system.
I.4.1.5 Needs Analysis is another initiative identified by
IRDA as a step in curbing wrong advice and mis-selling.
The idea is to require insurers to have Prospect Product
Matrix that will match a product with the requirement,
based on the Needs Analysis carried out. The feedback
of the stakeholders on the initiative has been received
and draft guidelines are under preparation. Guidelines
relating to distance marketing have been issued by IRDA
which address challenges relating to mis-selling using
distance marketing mode, a fallout of the advancement
in technology. While the benefits of having new and faster
channels need to be reaped, the loopholes created by
them need plugging and this is precisely what the
guidelines are aimed at.
I.4.1.2 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 for introduction of Key Features Document
in a simple language. The test of a Key Features
Document is whether or not the target customer
understands the main features of the product 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. IRDA is currently examining the
feedback from various stakeholders on the exposure draft
on guidelines in respect of Key Features Document.
I.4.1.6 IRDA has issued guidelines to agents for

persistency of life insurance policies to ensure that
servicing of policies by agents is sustained and is with a
long term of objective of servicing the policyholder and
not driven by an objective of just pushing sales.
I.4.1.3 Another important element of policyholder

protection is that insurers and intermediaries shall be noncoercive while selling. Not only shall they be non-coercive
but more importantly, they shall not mis-sell. The
Policyholder Protection Regulations and Regulations for
37
BOX ITEM 4
INTEGRATED GRIEVANCES MANAGEMENT SYSTEM (IGMS)
Under the IRDA (Protection of Policyholders Interests) Regulations, 2002, insurance companies have to put in place an
effective and speedy grievance redress mechanisms for the policyholders. Further, the Guidelines for Grievance Redressal
issued by IRDA, lay down specific Timeframes and Turnaround Times (TATs) for response, resolution etc. To enable
effective monitoring as well as create a central repository of industry-wide insurance grievance data, IRDA has implemented
the Integrated Grievance Management System (IGMS) with effect from 1 st April, 2011. IGMS provides a gateway for
policyholders to register complaints with insurance companies first; and if need be, to escalate them to the IRDA Grievance
Cells. It uses web interface to ensure that it is accessible at all places and is on real time. It also has a mechanism to capture
complaints received in voice (through the IRDA Grievance Call Centre-IGCC), physical as well as in email form.
The number of complaints registered through IGMS during the first quarter of 2011-12 is 73,419 out of which 68,994 have
been attended to. Any complaint not addressed within 15 days by the insurance company gets escalated to IRDA for its
attention.
At present, the grievance management systems of 25 insurance companies are seamlessly integrated with IGMS wherein
transfer of grievance details takes place on real time. The rest of the insurers currently upload/download information on a
batch mode on a daily basis and efforts to have seamless movement for these companies is under way. Not only has the
implementation of IGMS and IGCC facilitated effective grievance redressal through web interface as well as conventional
means, it has also facilitated documentation and monitoring of the redress systems of the insurance companies by IRDA.
IGMS provides for various reports and queries that help carry out root cause analysis to identify systemic and policy related
issues for necessary action. For instance, an analysis brought out that one company had a large number of complaints
relating to non-receipt of policy document whereas the company actually had a system of issuing the documents within the
time-frame prescribed. It then came to light that in certain geographical regions, there was a logistic problem relating to
delivery of insurance policies for which the insurer then found a solution. IGMS enables analysis across geographies,
across segments of insurance, across complaint types and across not only companies but their various offices. Discernible
patterns relating to complaints help the insurance company as well as the Regulator to drill down to details to examine the
root cause and find solutions.
Consumer Education
I.4.1.9 The IRDA itself conducts/participates and

supports several national level seminars on different
I.4.1.7 Consumer education and consumer protection

complement each other. Consumer education not only
helps individuals understand the products and risks
involved better, but is also a necessity for market
efficiency, as it contributes to more transparent and
competitive practices by the insurance service providers.
It also produces better educated citizens who can monitor
markets through their own decisions. IRDA continues its
consumer awareness initiatives through various mediaprint, radio and television on various policyholder
protection subjects such as rights and obligations of
policyholders, information regarding grievance redress
channels and also about developments on the regulatory
front for protecting policyholders in the area of insurance
product features, etc.
insurance topics/subjects as well as consumer related

issues through which it reaches out to the public. The
Annual Seminar on Policyholder Protection and Welfare
was held on 3rd June, 2011 at New Delhi wherein the
Integrated Grievance Management System (IGMS) was
launched for the benefit of policyholders.
I.4.1.10 Further, IRDA has brought out Policyholder
Education Handbooks on topics covering Motor
insurance, Health insurance, Travel insurance, Property
insurance, Life insurance and intermediaries to
disseminate generic information to existing and
prospective policyholders. IRDA has also released the
first of a 3 volume comic series titled Ranjan and his
tryst with insurance for the benefit of children. The IRDA
believes that it is necessary to introduce children to
financial literacy at an early age.
I.4.1.8 IRDA continues to encourage and support

consumer bodies in conducting seminars on insurance,
thereby not only educating the consumer but also
providing a platform for the consumers to interact with
their representative/s who participate in such seminars.
38

Motor TP Pool liability at 153 per cent from 2007-08
onwards till 2010-11. The Authority has also relaxed the
solvency requirement of 150 per cent and has mandated
the insurers to maintain solvency ratio of not less than
137 per cent, 145 per cent, and 150 per cent for all lines
of business not later than 31st March, 2012; 31st March,
2013 and 31st March, 2014 respectively.
I.4.2 MAINTENANCE OF SOLVENCY MARGINS OF

INSURERS
I.4.2.1 Every insurer is required to maintain a Required
Solvency Margin (RSM) 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.4.2.5 Insurers have also been advised not to distribute

bonus, performance incentives etc. by whatever name
such payments are called to any key management
personnel, the senior management, Appointed Actuaries,
Whole time Directors of the Board or any of the CEOs
without the prior specific approval of the Authority.
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.
I.4.2.6 The Authority in order to promote Health insurance

has provided a special dispensation to the extent that it
will exercise forbearance for a period of six months (two
quarters), in case, the solvency ratio falls below stipulated
level of 1.50 provided that the fall in solvency should be
only on account of premium receivable from Central/
State Government.
I.4.2.3 In the case of non-life insurers, the Required

Solvency Margin shall be the maximum of the fifty crore
of rupees (one hundred crore of rupees in the case of
reinsurer); or higher of RSM-1 and RSM-2 computed as
under:
1.
RSM-1 means the Required Solvency Margin based

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

on net incurred claims, and shall be determined as
thirty per cent of the amount which is the higher of
the Gross Incurred Claims multiplied by a Factor
and the Net Incurred claims.
I.4.2.7 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 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. 4 The Authority had investigated Actuarial valuation

of the Indian Motor Third Party Insurance Pool (IMTPIP)
under the Insurance Act, 1938 in order to assess the
adequacy of the reserves, which are to be calculated as
per the IRDA Regulations. The Authority based upon the
report of Shri K P Sarma, the Consultant Actuary and
after considering the submissions of General Insurance
Council has passed Order No. IRDA/NL/ORD/MPL/046/
03/2011 dated March 12, 2011 under Section 14 of IRDA
Act read with Section 64VA of Insurance Act, 1938 on
Motor Third Party Pool Reserves and Account Reserves.
The order is applicable to all non-life insurers including
GIC Re and it mandates the insurers to provide for the
Life Insurers
I.4.2.8 At the end of March 2011, 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 2010. 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. 19).
39

I.4.3 MONITORING OF REINSURANCE
Non-life Insurers
I.4.2.9 By the end of March 2011, 20 non-life insurers
(including the health insurers) had complied with the
stipulated solvency ratio and 2 companies have not met
the minimum requirement of solvency margin ratio.
(Statement No. 53).
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 both life and nonlife insurers which lay down the ground rules for placing
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.
I.4.2.10 The specialised insurers, i.e. AIC and ECGC

reported a solvency ratio at 3.71 and 9.05 as at 31st March,
2011 respectively as against 2.07 and 14.17 as at
31st March, 2010.
Reinsurer
I.4.2.11 The national reinsurer, General Insurance
Corporation of India, reported a solvency ratio of 3.35 as
on 31st March 2011 (3.71 on 31st March, 2010).
TABLE I.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
Total
Public
Sector
30.81
48.38
9.00
86.04
22.24
18.87
72.08
71.39
56.84
69.69
12.18
89.82
45.25
14.6
79.97
77.49
58.39
75.24
12.93
88.18
60.66
32.49
87.85
79.14
2010-11
Private
Sector
Total
29.47
50.39
9.00
88.26
21.08
14.12
69.44
71.62
47.84
65.26
12.18
88.22
46.63
23.04
78.12
75.40
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:
I.4.3.2 Every insurer needs a comprehensive and efficient

reinsurance programme to enable it 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 on claims are honoured as and when they
arise. Hence 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 re-insurance
basis.
Maximize retention within the country;

Develop adequate capacity;
Secure the best possible protection for the
reinsurance costs incurred; and
Simplify the administration of business.
I.4.3.4 With particular reference to the General Insurance

Corporation, the regulations require the Indian reinsurer
to organize 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 the year
2007, the non-life insurers formed another pool for all
commercial vehicles third party insurance.
40

TABLE I.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
Other Miscellaneous
TOTAL
Placed in
India
2009-10
Placed outside
India
32.43
18.16
43.26
28.78
42.17
43.33
15.26
24.63
21.19
15.09
52.63
0.11
53.17
23.06
6.00
7.78
2010-11
Placed in
Placed outside
India
India
38.68
19.59
33.52
30.92
33.12
44.04
15.57
25.68
22.77
15.95
65.13
0.10
62.62
23.41
7.79
8.92
TABLE I.34
REINSURANCE CEDED OUTSIDE INDIA ON INDIAN BUSINESS
(` crore)
Class
Fire
Marine Cargo
Marine Others
Motor
Aviation
Engineering
Other Miscellaneous
TOTAL
2009-10
Premium
ceded
Net profit
ceded
782.90
181.22
427.41
15.49
207.89
364.26
850.30
2829.47
201.75
-35.09
268.92
7.74
84.84
130.27
40.10
698.53
2010-11
Premium
ceded
976.82
218.17
579.35
15.97
263.37
403.87
1362.11
3819.66
Net profit
ceded
210.72
25.39
-429.59
18.30
-101.05
121.71
420.96
266.46
existing 20 to 15 per cent for the year 2007-08 and 10

per cent for the subsequent years from 2008-09,
2009-10, 2010-11 and 2011-12. The Authority accepted
the recommendation and issued gazette notification
giving the revised obligatory cessions in consultation with
Government of India. In the year 2010-11, IRDA
introduced limits of cession in Sum Insured for different
classes under obligatory cession.
Re-insurance Advisory Committee

I.4.3.5 As per section 101A of the Insurance Act, 1938,
every insurer shall reinsure with the Indian reinsurer such
percentage of the sum insured on each general insurance
policy as may be specified by the Authority, which are
also known as obligatory cessions or statutory
cessions, with the previous approval of the Central
Government, after consultation with the Reinsurance
Advisory Committee.
I.4.3.8 Towards 2007-08, the General Insurance

Corporation of India, as the Indian re-insurer, 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 that 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
I.4.3.6 For this purpose, the Authority may by notification

a) specify the percentages of the sum insured on each
policy to be reinsured with the Indian reinsurer and
different percentages may be specified for different
classes of insurance provided that no percentage so
specified shall exceed 30 of the sum insured on such
policy; and b) specify the proportion in which said
percentage shall be allocated among the Indian reinsurer.
I.4.3.7 The Re-insurance Advisory Committee at its
meeting held in February, 2007 recommended to the
Authority that the obligatory cessions be reduced from
41

I.4.4 INSURANCE POOLS
cessions for the year 2008-09 shall be mutually negotiated

and agreed 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, as also in 2010-11.
Terrorism Pool
I.4.4.1 During 2010-11, the total premium ceded to the
pool was `389 crore and claims paid were `76.18 crore.
In the previous year 2009-10, the Pools premium was
`306 crore with claims paid being `214 crore. The paid
claim of `76.18 crore for 2010-11 includes partial payment
of losses arising out of the 26th November, 2008 Mumbai
terrorist attack. The total estimated loss to the Pool from
this incident has reduced from `500 crore to `400 crore.
The losses at Hotel Oberoi and Hotel Trident have now
been settled fully. Only the loss at Hotel Taj is yet to be
finalized, but substantial on-account payment has already
been released. The Pool has not been affected by any
major losses during the year.
Obligatory cessions received by GIC

I.4.3.9 For the year 2011-12, the obligatory cessions
were retained at 10 per cent as applicable for 2010-11.
The limit of cession in respect of sum insured for various
lines of business continued as prescribed for the year
2010-11. Similarly the commissions and profit
commissions for 2011-12 were to be mutually agreed
between each insurer and the Indian re-insurer.
TABLE I.35
SHARE OF MEMBER COMPANIES IN THE INDIAN TERRORISM POOL
Insurer
2010-11
Per Risk
Share
Capacity
(in per cent)
(` crore)
2011-12
Per Risk
Share
Capacity
(in per cent)
(` crore)
GIC
National
New India
Oriental
United India
Bajaj Allianz General
Cholamandalam MS
Future Generali
Government Insurance Fund, Gujarat
HDFC Ergo
ICICI Lombard
IFFCO Tokio
Reliance General
Royal Sundaram
TATA AIG General
Univeral Sompo
Shriram General
Bharti AXA General
Raheja QBE General
SBI General
L & T General
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
-
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
-
145.50
87.00
145.50
87.00
96.45
35.63
12.00
5.00
7.50
3.38
60.00
22.50
13.50
6.00
12.08
0.68
1.50
5.78
0.75
1.50
0.75
19.40
11.60
19.40
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
0.20
0.77
0.10
0.20
0.10
TOTAL
750.00
100.00
750.00
100.00
42

TABLE I.36
PREMIUM RATES FOR TERRORISM RISK INSURANCE
(w.e.f. April 1, 2010)
Total Sum Insured per location (MD+LOP) Risk Category
Rate (per Mille)
Upto `750 crore
Industrial Risk
Non-Industrial Risk
Residential Risk
0.30
0.20
0.10
Over `750 crore and upto `2,000 crore
First `750 crore as per (1) above PLUS on

balance Sum Insured as under :
Industrial Risk
Non-Industrial Risk
0.25
0.15
First `2,000 crore as per (2) above PLUS on

balance Sum Insured as under:
Industrial Risk
Non-Industrial Risk
0.20
0.12
Over `2,000 crore
Note: MD Maximum Damage; LOP- Loss of Profit.
I.4.4.4 The pool completed four full years of operations

in 2010-11. The IMTPIP pooled a total premium of `3,613
crore from 97.31 lakh policies issued during the period
March, 2010 to February 2011. The incurred claims of
the pool for the same period was `7,111 crore, resulting
in an operating loss of `3,615 crore. As against this, the
premium during March, 2009 February, 2010 was
`3,160 crore with incurred claims of `3,791 crore and
net operating loss of `674 crore.
Indian 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
Motor Insurance, the Authority decided to regulate the
premium rates in this segment with effect from 1st January,
2007 vide circular no.034/IRDA/De-tariff/Dec-06 dated
4th December, 2006 which was later modified vide circular
dated 23rd January, 2007. Further, to redress grievances
of non-availability of Motor Third Party Insurance,
especially for commercial vehicles, the Authority in
consultation with the Committee constituted under
Section 110G of the Insurance Act,1938 issued direction
under Section 34 of the Insurance Act, 1938 vide circular
no.035/Motor-TP/Dec-06 dated 4th December, 2006 and
constituted the Indian Motor Third Party Insurance Pool
(IMTPIP).
I.4.4.5 The Authority had investigated Actuarial valuation

of the IMTPIP in order to assess adequacy of the reserves
which are to be calculated as per the IRDA Regulations
and in particular with reference to Circular No.11/IRDA/
ACTL/IBNR/2005-06. The report established that the
ultimate loss ratios were 172.30 per cent, 181.81 per cent
and 194.15 per cent for the years 2007-08, 2008-09 and
2009-10 respectively. Against this estimate, the pool had
maintained reserves at 126 per cent for all these years
which was considered to be insufficient. Hence, the
Authority under Section 14 of the IRDA Act, 1999 read
with Section 64VA issued certain directions vide its Order
no. IRDA/NL/ORD/MPL/046/03/2011 dated 12th March,
2011 requiring the nonlife insurers as under:
I.4.4.3 The Pool came into operation from 1st April, 2007
exclusively for commercial vehicles. All insurers
registered to carry on non-life insurance business
including motor business are automatically required to
participate in the pooling arrangement to provide cover
at the rates notified by the Authority. 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
reinsurer.
43
to maintain a solvency ratio of not less than 130 per

cent for all lines of business as on 31st March, 2011,
the IMTPIP losses being valued at an ultimate loss
ratio of not less than 153 per cent for all the years
the pool was underwriting. The ratio is required to
be raised to 150 per cent in a phased manner by
2013-14;
to maintain 150 per cent solvency ratio thereafter

(i.e., from 31st March, 2014), at all times;
not to declare dividends to the shareholders without

the prior specific approval of the Authority for any
year or part of the year wherein the solvency ratio
is reported below 150 per cent;
to submit a financial plan as approved by the Board

of Directors as per section 64VA (2A) of Insurance
Act, 1938, to the Authority within a period of two
months, indicating a plan of action to correct the
deficiency for the said 3 year period up to March
2014. In addition, an annual plan duly approved by
the Board of Directors shall be submitted not later
than 15th of February every financial year starting
from 2011-12 and a half-yearly review of Annual
Plan by the Board of Directors shall be submitted
not later than 15th August of each of the three years
starting from 15th August, 2011;
to appoint full-time qualified and experienced

Property and Casualty actuaries to strengthen the
actuarial department as required. The insurers are
permitted to utilize the services of actuaries qualified
from Casualty Actuarial Society, USA and Institute
of Actuaries, UK and Australia, if actuaries having
necessary experience and qualification under
Institute of Actuaries of India (IAI) are not available;
not to disburse bonus, performance incentives etc.,

by whatever name such payments are called, to any
key management personnel, the senior
management, Appointed Actuaries, Whole time
Directors of the Board or any of the CEOs without
the prior specific approval of the Authority;
not to exceed the limits of expenses of management

under Rule 17E of Insurance Rules, 1939 at any
time.
I.4.4.6 Due to the huge operating losses in this segment

over the last 3 years, all non-life insurance companies,
through the General Insurance Council, approached the
Authority for upward revision of premium rates for Motor
Third Party Insurance cover. After several rounds of
deliberations with all stakeholders, the Authority has
notified the revised premium rates for Motor Third Party
Insurance cover vide notification dated 15th April, 2011.
The revised rates came into operation with effect from
25th April, 2011. Though the companies had requested
for 85 per cent hike in the premium rates across all
segments of vehicles, after considering the concerns/
requests/suggestions of various stakeholders, the
Authority decided to hike the premium rates only to the
tune of 10 per cent in respect of two wheelers and private
cars and 68.5 per cent in respect of the commercial
vehicles. The revision exercise was carried out in a
professionally manner taking into consideration the
transaction level data of all insurance companies
uploaded with the Insurance Information Bureau (IIB).
The notification has also laid down a formula for revision
of premium rates on a yearly basis , which is linked to
the cost inflation index, average claim size, frequency
and expenses involved in servicing the Motor TP
business.
I.4.4.7 As per the data uploaded by the member
companies to the pool database, during 2010-11, there
was 11 per cent increase in the number of policies and
14.5 per cent increase in premium underwritten over the
previous year.
to ensure that the pricing of products including

discounts are in accordance with the underwriting
principles and in conformity with the product as
cleared by the Authority under File & Use
Guidelines; and
I.4.4.8 At the end of February 2011, the number of

outstanding claims was 3,38,680 and the amount of
claims outstanding was `5,729 crore.
TABLE I.37
MOTOR INSURANCE THIRD PARTY CLAIMS
Year
(March to
February)
2007-08
2008-09
2009-10
2010-11
Claims Intimated
During the year
Number
` Crore
43936
88415
120549
17001
561.56
1382.52
1923.54
287.53
Claims Settled
during the year
Number
` Crore
56479
63485
30711
1946
44
713.71
682.36
253.46
10.85
Claims Outstanding
at the end of the year
Number
` Crore
117134
119661
89390
12495
1788.50
2066.27
1664.92
208.84

I.4.5 MONITORING OF INVESTMENTS BY THE
INSURERS
Market Share
I.4.4.9 The market share of pool members (before
adjustment of GICs share) for the years 2009-10 and
2010-11 is as under:
I.4.5.1 All insurers are required to adhere to the pattern

of investments as stipulated under the investment
regulations. The details of investments of the Assets
under Management (AUM) held by the life and non-life
insurance companies are given below:
TABLE I.38
MARKET SHARE OF POOL MEMBERS
Total Investment of the Insurance sector
(In per cent)

Pool Member
Market Share
2009-10
Royal Sundaram
2.67
Reliance General
6.04
IFFCO Tokio
4.22
TATA AIG General
2.53
Bajaj Allianz General
7.25
ICICI Lombard
9.81
Cholamandalam General 2.37
HDFC Ergo
2.69
Future Generali
1.10
Universal Sompo
0.51
Shriram General
1.18
Bharti AXA General
0.08
Raheja QBE
SBI General
L&T General
United India
14.88
Oriental Insurance
13.53
National Insurance
13.41
New India Insurance
17.74
Total
100.00
I.4.5.2 As on 31 st March, 2011, the accumulated

total investments of the insurance sector stood at
`15,12,638 crore. During the year, under report, the AUM
increased by 18.28 per cent. Life insurers continue to
contribute a major share of total investments held by the
industry with a share of 95 per cent. Similarly, public
sector companies continue to contribute a major share
(80 per cent) in total investments, although the share of
AUM held by private sector insurers have also been
growing at a fast pace in recent years, against the
backdrop of increase in sales of Unit Linked Insurance
Products (ULIPs).
Market Share
2010-11
2.71
3.98
4.18
2.79
6.79
10.2
2.31
3.35
1.45
0.68
1.81
1.29
0.01
0.08
0.02
14.96
12.48
14.15
16.75
100.00
Investments of Life Insurers

I.4.5.3 The various sources of funds available for
investment by life insurers are classified as (i) funds from
traditional products; and (ii) funds from ULIP products.
The total funds invested by life insurers as at 31st March,
2011 were `14,30,118 crore of which `3,99,116 crore
(27.91 per cent of total funds) were contributed by ULIP
funds and the remaining `10,31,002 crore (72.09 per cent)
were contributed by traditional products. The share of
ULIP funds in total investments has continued to grow in
recent years. During the year under review, traditional
funds contributed 72 per cent of the increase in total
investments at `1,56,084 crore. As against this, the share
of accretion by ULIP products was `61,576 crore.
TABLE I.39
TOTAL INVESTMENTS OF THE INSURANCE SECTOR
(As on 31st March)
( ` crore)
INSURER
Public
Private
Total
Life
Non-Life
Total
2010
2011
2010
2011
2010
2011
992331
(24.10)
220127
(88.51)
1212458
(32.31)
1148589
(15.75)
281528
(27.89)
1430118
(17.95)
51687
(8.17)
14685
(32.16)
66372
(12.70)
61235
(18.47)
21285
(44.94)
82520
(24.33)
1044018
(23.21)
234811
(83.61)
1278830
(31.13)
1209824
(15.88)
302813
(28.96)
1512638
(18.28)
Note: 1. Figures for 2010-11 are based on Provisional Returns filed with IRDA
2. Figures in brackets represent growth in percentage over the previous year
45

`3,99,116 crore (27.91 per cent) in total investments.
During 2010-11, the share of Pension/Annuity Funds in
total investment increased from 11.85 per cent to 13.28
per cent. Correspondingly, the share of Life funds moves
down. The comparative 2009-10 segregation of funds
was `7,31,291 crore (60.31 per cent) by Life Fund,
Pension and General Annuity & Group Fund
`1,43,627 crore (11.85 per cent), ULIP Fund `3,37,540
crore (27.84 per cent) in total investments.
I.4.5.4 The pattern of investments made by life insurers

remained unchanged as on 31st March, 2011 when
compared to 31st March, 2010. Central Government
Securities and Approved Investments continued to remain
the major avenues of investments by life insurers.
I.4.5.5 Segregated on the fund basis, it was observed
that, Life Fund contributed `8,41,075 crore (58.81 per
cent), Pension and General Annuity & Group Fund
`1,89,927 crore (13.28 per cent) and ULIP Fund
TABLE I.40
TOTAL INVESTMENTS OF LIFE INSURERS : INSTRUMENT-WISE
(As on 31st March)
( ` crore)
Pattern of Investments
Amount
2010
Percentage
Traditional Products
1 Central Govt. Securities
2 State govt. and other approved securities
3 Housing & Infrastructure
4 Approved Investments
5 Other Investments
A. Total (1+2+3+4+5)
360447
137236
85675
257084
34477
874918
41.20
15.69
9.79
29.38
3.94
100.00
420952
173733
89181
304977
42159
1031002
40.83
16.85
8.65
29.58
4.09
100.00
ULIP Funds
6 Approved Investments
7 Other Investments
B. Total (6+7)
311669
25871
337540
92.34
7.66
100.00
371899
27217
399116
93.18
6.82
100.00
Grand Total (A+B)
1212458
2011
Amount
Percentage
1430118
Note: 1.The Figures for 2010-11 are based on Provisional Returns filed with IRDA
TABLE I.41
INVESTMENTS OF LIFE INSURERS : FUND-WISE
(As on 31st March)
( ` crore)
Insurer
LIC
Private
Total
Life
Fund
Pension and General

Annuity & Group Fund
2010
2011
Unit Linked
Fund
2010
2011
Total of all
Funds
2010
2011
2010
2011
698153
798291
133588
173282
160589
177016
992331
1148589
33137
42784
10038
16646
176951
222099
220127
281528
731291
841075
143627
189927
337540
399116
1212458
1430118
(60.31)
(58.81)
(11.85)
(13.28)
(27.84)
(27.91)
(100.00)
(100.00)
Note:1.The Figures for 2010-11 are based on Provisional Returns filed with IRDA
2. Figures in brackets is percentage of respective funds to the total funds
46

TABLE I.42
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
2010
Growth in
percentage
Total
2011
Growth in
percentage
731291
143627
874918
337540
1212458
16.14
26.04
17.66
95.38
32.31
841075
189927
1031002
399116
1430118
15.01
32.24
17.84
18.24
17.95
Note: The Figures of 2010-11 are based on Provisional Returns filed with IRDA
Investments of Non-Life Insurers
I.4.5.7 The pattern of investments remained the same

as in the previous year. As on 31st March, 2011, non-life
I.4.5.6 Non-Life insurers contributed to the extent of only

5 per cent of total investments held by the insurance
industry. The total investments of the sector, as on
31 st March, 2011, stood at `82,520 crore. During
2010-11, the net increase in investments was
`16,148 crore (24.33 per cent growth over previous year),
up from `66,372 crore in 2009-10.
insurers held `31,769 crore (38.50 per cent) and

`19,865 crore (24.07 per cent) in Approved Investments
and Central Government Securities respectively.
TABLE I.43
TOTAL INVESTMENTS OF NON-LIFE INSURERS : INSTRUMENT-WISE
(As on 31st March)
( ` crore)
Pattern of Investments
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
Total
2010
percentage
Total
2011
percentage
16038
6971
4790
10373
24256
3944
66372
24.16
10.50
7.22
15.63
36.55
5.94
100.00
19865
8191
6973
12216
31769
3506
82520
24.07
9.93
8.45
14.80
38.50
4.25
100.00
Note: 1.The Figures of 2010-11 are based on Provisional Returns filed with IRDA
2. Investments of CHNHB Association, ECGC and AIC of India have not been included.
3. FFE : Fire Fighting Equipment.
premium underwritten by the standalone Health insurers

stood at `1,536 crore in 2010-11 (`1,072 crore in
2009-10).
I.4.6 HEALTH INSURANCE

I.4.6.1 Health Insurance continues to be one of the most
rapidly growing sectors in the Indian insurance industry
with premium to the tune of `11,480 crore underwritten
in 2010-11, reporting growth of 38.22 per cent over the
premium written in 2009-10 (`8,305 crore).
I.4.6.3 Increased awareness about the benefits of Health

insurance, particularly in urban areas due to rise in
medical cost and also as a result of popular Government
schemes(involving insurance mechanisms like
Aarogyasree and Rashtriya Swasthya Bima Yojana), has
led to increase in both number of complaints, and RTIs
from the general public on Health insurance. This in turn
has steered the regulator to take a number of corrective
I.4.6.2 Other than the multi-line non-life insurers, Apollo

Munich Health Insurance Co. Ltd., Star Health and Allied
Insurance Co. Ltd. and Max Bupa Health Insurance Co.
Ltd. contributed to Health insurance business. The total
47

TABLE I.44
HEALTH INSURANCE PREMIUM 2006-2011
(` crore)
Insurer
2006-07
2007-08
2008-09
2009-10
2010-11
Non-Life Private
Non-life Public
Standalone Health Insurers
Total
1223.99
1973.60
11.16
3208.70
1832.50
3136.50
155.94
5125.00
2266.30
3824.00
535.09
6625.50
2349.80
4883.30
1072.10
8305.20
3031.48
6912.55
1535.70
11479.70
measures for strengthening protection of health insurance

policyholders and for the orderly growth of the sector.
I.4.6.7 The main features of portability are:
I.4.6.4 The Authority has also taken up key initiatives

and issues including constitution of Health Insurance
Forum, and Standardizing of claim formats and other
documents. The Health Insurance Forum provides a
common platform for all the stakeholders of the health
insurance ecosystem.
Insurance Schemes sponsored by Governments
I.4.6.5 With a view to lay down certain rules for the
insurers bidding for government schemes, insurers are
required to comply with specific stipulations along with
the File and Use procedure. The guidelines issued in this
regard include the following:
Insurers shall be allowed to participate in the tender

process, provided the
Proposed insurance scheme is sponsored by

Government; and
Insurer to comply with the provision of Section

64VB.
The credit from the period elapsed excluding preexisting disease (PED) shall be carried forward to
the new insurer;
The accepting insurer shall provide cover, at least

up to the sum assured in the previous insurance
policy;
The request for porting the policy shall be completed

as per the timelines prescribed in the IRDA
(Protection of Policyholders Interests) Regulations
and guidelines; and
The credit (in terms of waiting period) would be

limited to the sum assured (including bonus) under
the previous policy.
I.4.6.8 The Authority is presently engaged in discussion

with the industry and proposes to issue detailed procedure
on implementation of Health Insurance Portability to put
in place systems for collection of data on the history of
health insurance at policy level and for monitoring the
transfer of records of the porting policyholder.
If claims experience (net incurred claims ratio) for a

specific portfolio turns out to be more than 90 per
cent for consecutive four half years, the insurer may
not be allowed to participate in the tender for any
Government sponsored scheme for a period of at
least two years.
Initiatives through Trade Bodies

I.4.6.9 IRDA continues to support the activities of working
groups formed by Federation of Indian Chambers of
Commerce and Industry (FICCI) and Confederation of
Indian Industry (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 working 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 regulatory bodies,
National Accreditation Board for Hospitals & Healthcare
Providers (NABH), insurance companies and providers;
standardization of billing formats; standardization of TPA/
Insurer and TPA/Hospital Contracts, senior citizens, etc.
Portability of Health Insurance Policies

I.4.6.6 The Authority examined at length various issues
involved in the portability of health insurance plan and
issued the circular for effecting portability of Health
insurance policies in 2010-11. All non-life insurers issuing
Health insurance policies shall allow for credit gained by
the insured for pre-existing condition(s) in terms of waiting
period when he/she switches from one insurer to another
or from one plan to another, provided the previous policy
has been maintained without break.
48

Third Party Administrators (TPA)
TABLE I.45
TPA LICENCES RENEWED
DURING 2010-11
I.4.6.10 During 2010-11, license was granted to Spurthi

Meditech TPA Solutions Pvt. Ltd. by the Authority to carry
on operations as Third Party Administrator. In addition,
the following two licenses were renewed by the Authority
during 2010-11:
Sl. No. Name of the TPA
I.4.6.11 The health insurance segment showed strong

growth during the year under review and the TPAs as
participants in the health insurance delivery chain,
reflected similar performance. The TPAs further
expanded the network of hospitals eligible for treatment
by policyholders during the year.
1.
Park Mediclaim TPA Private Ltd.
2.
Rothshield Healthcare (TPA) Services Ltd.
I.4.6.12 The Table below provides details of infrastructure

added by the TPAs during 2010-11.
TABLE I.46
TPA INFRASTRUCTURE (2010-11)
Sl. Name of the TPA
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
No. of
Hospitals
added to
the Network
Park Mediclaim
Vipul Med Corp
Alankit Health Care
I Care Health Management
Dedicated Healthcare Services
Medicare Services
MD India Healthcare Services
Heritage Health
Genins India
Rothshield Healthcare Services
E Meditek Services
United Healthcare Parekh Health Management
Safeway Services
Med Save Health Care
Good Healthplan
Health India Services
Medi Assist India
Anmol Medicare
Raksha
Family Health Plan
TTK Healthcare
Grand Healthcare Services
Paramount Health Services
Anyuta Medinet Services
East West Assist
Focus Healthcare
Sri Gokulam Health Services
Spurthi Meditech
Universal Medi-Aid Services
182
0
423
137
852
234
212
126
286
229
758
114
353
247
236
733
449
69
233
131
260
40
155
1315
38
0
17
109
NR
TOTAL
NR : Not Received
49
Total No.
of
Hospitals
in the Network
1686
3985
3818
3166
3816
3651
4973
2876
2956
2560
4231
3392
3070
3623
3965
3637
4827
1026
3657
3904
5597
880
3074
1965
3776
996
2953
109
NR
No. of New
Branches
Opened
Manpower
added
including
Professionals
2
1
1
2
2
0
4
1
0
0
28
0
3
44
2
0
0
2
1
2
0
0
4
3
2
0
0
0
NR
20
65
12
29
86
30
302
25
0
90
119
46
22
537
31
109
170
10
72
219
237
6
71
22
30
0
0
15
NR
104
2375

I.4.6.13 The Authority continued its association with
various industry bodies and stakeholders with a view to
improve the delivery of health insurance services in the
country. During the year, the standardization of the format
of the service contract between the TPAs and the insurers
as also the format for billing and discharge summary to
be provided by hospitals were discussed and formalised.
Pilot testing of the same was also undertaken with the
active participation of various stakeholders. Adoption of
these standard documents is expected to further
smoothen the processing and improve the relations
between the various parties. The Authority also issued
guidelines for updating the policyholders in respect of

change in the network of hospitals as well as the TPAs
servicing the policies availed of by them.
I.4.6.14 The Authority maintains a separate system of
handling grievances in respect of TPAs from
policyholders, providers and other stakeholders. During
the year 2010-11, the Authority received 335 complaints,
of which 332 were disposed and 3 complaints were
outstanding as on 31st March, 2011.
TABLE I.47
THIRD PARTY ADMINISTRATORS - CLAIMS DATA
(` crore)
Year
Claims
Received
during the
year
Claims Settled
Claims
Outstanding
Within
one month
Within
1 - 3 months
Within
3 - 6 months
More than
6 months
2009-10
3365940
2348147
(69.76)
597408
(17.75)
121485
(3.61)
29362
(0.87)
299381
(8.89)
2010-11
3641585
2745661
(74.97)
517069
(14.19)
135808
(3.79)
39859
(1.11)
313013
(8.59)
Note: Figures in the brackets indicates the ratio (in per cent) of claims settled to the total claims received.
Obligations of life insurers:
I.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 in these segments 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 Out of twenty two private sector life insurance

companies, 21 fulfilled their rural sector obligations during
2010-11. The number of policies underwritten by them in
the rural sector as a per cent of the total policies
underwritten in the year 2010-11 was as per the
obligations applicable to them.
I.4.7.3 Bharti AXA India procured 15.98 per cent of its
policies in the rural sector against an obligation of 16.00
per cent and is non compliant in the rural sector
obligations for the financial year 2010-11.
I.4.7.4 The lone public sector insurer, Life Insurance
Corporation of India was compliant with its obligations in
the rural sector, having underwritten a higher per cent of
policies in rural sector than the prescribed 25 per cent
for 2010-11.
50

Social Sector Obligations
given by the Authority for convergence to IFRS by the

said date. However, the recommendation of the Authority
was based on the promise that various standards issued
by International Accounting Standards Board (IASB)
particularly on Insurance Contracts and Valuation of
Financial Assets (IFRS-9) would be finalised by IASB
and would be in place well before the start of 2012-13.
I.4.7.5 All the twenty two private life insurance companies

fulfilled their social sector obligations during 2010-11. The
number of lives covered by them in the social sector was
above the stipulated obligations.
I.4.7.6 LIC was compliant with its social sector obligations,
having covered a higher number of lives than the
prescribed 20.00 lakh lives as obligations for 2010-11.
I.4.8.2 IFRS-4 is an interim standard, focused primarily

on disclosures and classification of insurance contracts.
It introduces a definition for an insurance contract based
on the contract containing significant insurance risk. It
requires only limited changes to existing accounting
practices for insurance contracts and extensive
disclosures. IFRS-4 does not affect the business
fundamentals since there is no change in the underlying
transactions and in real cash flow. However, IFRS 4 would
require a fundamental change to the reporting of business
that is not classified as insurance. Such business could
include pension business also. The Authority set up a
Committee to study the implications of IFRS-4. The
Committee submitted its report in June, 2009. The
Committees recommendations cover various issues
such as unbundling of the contract, valuation of liabilities
and assets, etc.
Obligations of non-life insurers:

I.4.7.7 All the eighteen private insurance companies
(including the Health insurers) were compliant in the rural
sector obligations during the year 2010-11. The gross
direct premium underwritten by them in the said sector,
as a percentage of total premiums underwritten in
2010-11, was above the prescribed stipulations.
I.4.7.8 The public sector insurers too complied with the
rural sector obligations for 2010-11. With respect to the
public sector insurers their obligations were seven per
cent of the quantum of insurance business underwritten
by them in 2010-11.
I.4.8.3 The IASB has finally issued Exposure Draft on

Insurance Contracts and has sought the views of the
public and other stakeholders. The Authority, in order to
study the provisions of the exposure draft on insurance
contracts, constituted a group Working group on
convergence to IFRS. The group carried out a detailed
examination of the exposure draft and submitted its report.
The Authority based upon the report of the group has
given its comments on exposure draft on insurance
contracts to IASB. In the meanwhile, Institute of Chartered
Accountants of India (ICAI) has notified Ind-AS104 which
is an adoption of IFRS-4 Insurance Contracts. However,
the date of implementation of the same is yet to be
notified.
Social Sector Obligations

I.4.7.9 All the eighteen private insurance companies
were compliant with the social sector obligations during
the year 2010-11. The number of lives covered by them
in the social sector was also higher than the regulatory
stipulations.
I.4.7.10 The four public sector insurers complied with
the social sector obligations for 2010-11. With respect to
the public sector insurers their obligations for the financial
year 2010-11 were the same as those applicable in
2009-10 in terms of the number of lives covered by the
respective insurer in the social sector or 5.50 lakh lives,
whichever is higher.
I.4.8.4 The Authority is of the view that in the absence of

a proper understanding of implication of various issues,
in the short and long run, it would be too premature to
migrate to the IFRS Standards as committed earlier by
IRDA. It had not been possible for IASB to adhere to the
timeline of June 2011 for finalisation of the Exposure Draft
on Insurance Contracts. IASB is further going to come
out with a limited revised exposure draft on insurance
contracts. Even after its eventual finalisation, IASB
provides a time period of 18 months for its
implementation. This means, the standard on insurance
contracts will be ready for implementation not before
September 2013.
I.4.8 FINANCIAL REPORTING AND ACTUARIAL

STANDARDS
Financial Reporting
I.4.8.1 The Ministry of Corporate Affairs in its road map
for convergence of Indian Accounting Standards to
International Financial Reporting Standards (IFRS) has
specified that all insurance companies shall convert their
opening balance sheet as at 1st April, 2012 in compliance
with the standards. This specification was made by the
Ministry of Corporate Affairs based on the commitment
51

I.4.8.7 In case of a life insurer, the Appointed Actuary
certifies the companys technical reserves, solvency and
fairness of premium rates. In addition to this, the
Appointed Actuary must carry out the Economic Capital
calculations in order to ensure proper balance between
capital adequacy and capital efficiency.
I.4.8.5 In the above circumstances, the Authority has

written to Ministry of Corporate Affairs to revisit the 2012
date of compliance for insurance sector with IFRS
standards and defer it till IASB comes out with the revised
standards on insurance contracts and valuation of
financial assets.
I.4.8.8 In case of a non-life insurer, while ensuring the

solvency, the Appointed Actuary is required to certify the
outstanding claim provisions relating to IBNR (Incurred
But Not Reported) and IBNER (Incurred But Not Enough
Reported) claims. The Appointed Actuary is also required
to prepare the Financial Condition Report in order to bring
out the challenges which the insurers face in terms of
meeting solvency requirements and other parameters
which affect the financial condition of the company.
Further, the Appointed Actuary is also required to carry
out the Economic Capital calculations in order to improve
the capital efficiency.
Appointed Actuary System

I.4.8.6 The Appointed Actuary system is in place for
more than a decade in the Indian insurance industry. From
the time it was introduced, the role of Appointed Actuary
has enhanced significantly in line with the faster growth
witnessed in the insurance sector. Apart from valuation,
product design and pricing, Appointed Actuary performs
a much wider role in enabling the company to improve
its financial condition to ensure solvency at all times.
BOX ITEM 5
ECONOMIC CAPITAL
Economic Capital (EC) has gained significance in terms of both importance and concern within the insurance industry in
recent times in view of the recent macro-economic developments which have taken place globally. Economic Capital can be
defined in many ways. It is the financial cushion that insurance companies use to absorb unexpected losses. At its most basic
level, Economic Capital can be defined as sufficient surplus to cover potential losses, at a given risk tolerance level, over a
specified time horizon. EC calculations generally consist of risk factors viz. market risk, credit risk, insurance or underwriting
risk, operational risk and liquidity risk. In calculating EC, there are some key decisions to be made; and the approach taken
should reflect the nature of the companys risks as well as managements risk tolerance and objectives.
Economic Capital Analysis enables an insurance company to strike an appropriate balance between too much capital
which can lead to an excessive cost of insurance and not enough capital which can lead to an unacceptable risk of
insolvency. In view of the above, the Authority has mandated life insurers as well as non-life insurers to submit a detailed
report on the EC calculation. This will give a broader view of the challenges faced by the insurers in maintaining their financial
soundness. Accordingly, the framework for assessment of Economic Capital (EC) plays an important role in the entire risk
management mechanism of insurance companies. This enables insurers to determine the right amount of capital to be
allocated to each and every risk encountered by individual insurers in carrying out the insurance business. EC reflects
individual company specific risk profile and in general, quantification of optimum capital to be allocated against each risk is
based on company specific internal models. As indicated above, there is no single definition of Economic Capital. However,
there are three principles on which the EC calculation is based. These are as follows:
Sufficient surplus to meet adverse outcomes, for instance, potential negative cash flows and reductions in value of
assets, or increase in value of liabilities
A specified risk tolerance level
A specified time horizon.
Keeping in view the importance and necessity of assessment of Economic Capital in insurance sector, the IRDA has mandated
both life and non-life insurance companies to calculate EC under specific guidelines; and accordingly submit the report
annually. Computation is based on one year time horizon calibrated on a Value-at-Risk (VaR) level of 99.50 per cent with
risks categorized as Insurance, Operational, Market, Liquidity and Credit risks for life insurance; and Underwriting, Market,
Expense, Operational and Liquidity risks for non-life insurers. Insurers are allowed to reduce the total economic capital
requirement to the extent of diversification effect, which has been capped at 30 per cent of the EC for life insurers. This move
of the Authority can be described as a starting point to sensitize all insurers on the need for moving towards the Risk
Based Capital (RBC) regime from the current fixed factor based formula approach and hence ultimately the extremity of
solvency II.
52

I.4.9 ANTI-MONEY LAUNDERING/COUNTERFINANCE OF TERRORISM (AML/CFT) PROGRAMME
measures on Politically Exposed Persons (PEPs) have

also been emphasized. Term life insurance contracts
hitherto exempt from the requirements of AML/CFT
guidelines have been brought under the purview of the
guidelines but with lower levels of due diligence
stipulations. The illustrative list of documents acceptable
towards establishing Identity and/or address of a
customer was extended further with documents like job
card issued by National Rural Employment Guarantee
Act (NREGA) and the letter issued by the Unique
Identification Authority of India, with amendments to the
Prevention of Money Laundering Rules recognizing them
as officially valid documents.
I.4.9.1 AML/CFT guidelines to the insurance sector were

subjected to a thorough assessment/evaluation during
the process of Indias membership into Financial Action
Task Force (FATF). India was granted the membership
in the June, 2010 plenary. India had committed to a timebound Action Plan to FATF in the process.
I.4.9.2 The Inter-Ministerial Coordination Committee
(IMCC) on AML/CFT set up as the coordinating body on
issues relating to membership into FATF, constituted
various Sub-committees to give their report/
recommendations on various action points. IRDA was
an active member of two Sub-committees viz., AML/CFT
Regulatory Framework Assessment Committee and
National Risk Assessment Committee.
I.4.9.6 India has accomplished the short term action

points and has reported the compliance to FATF plenary
in October, 2010 and is presently working towards the
medium term action plan. IRDA is closely working with
the Insurance Division of the Department of Financial
Services to accomplish some of these medium term
action points.
I.4.9.3 As part of the various initiatives taken by the

Authority towards effective implementation of the AML/
CFT guidelines in the insurance sector, a master circular
consolidating various circulars on the subject issued up
to 31st July, 2010 was issued. Insurance companies
compliance with the guidelines is monitored regularly
through on-site and off-site processes. With the insurance
sector entering into the sixth year of effective AML/CFT
regime, the guidelines are being reviewed for suitable
modifications to enable a risk based approach towards
implementation.
I.4.10 CROP INSURANCE

National Agricultural Insurance Scheme (NAIS)
I.4.10.1 The National Agricultural Insurance Scheme
(NAIS) was introduced to replace Comprehensive Crop
Insurance Scheme from Rabi 1999-2000. Initially, only 9
states/union territories opted for the scheme. Agriculture
Insurance Company of India Ltd, which was incorporated
in December 2002, took over the implementation of NAIS.
During Kharif 2010 and Rabi 2010-11, Agriculture
Insurance Company of India (AIC) implemented NAIS in
24 States (excluding Rajasthan, which adopted Weather
Based Crop Insurance Scheme in place of NAIS) and 2
Union Territories (UTs), covering around 35 different
crops in each season with Gross Domestic Premium
(GDP) of `1,012 crore. The sum insured averaged to
`7,000 per cropped acre covered under NAIS. During
the past 22 seasons, beginning from Rabi 1999-2000 till
Kharif 2010 (till 10th June, 2011) 17.13 crore farmers have
been covered for a sum insured of `2,10,524 crore and
cultivating area of 26.26 crore hectares; the total amount
of claims of `21,034 crore have been reported at a claim
ratio of 323 per cent, benefiting 4.62 crore farmers, under
the Scheme. Under NAIS, Government provides stop loss
protection over and above the pre-defined liability of the
company. Gross incurred claims ratio of NAIS scheme
during 2010-11 was 73.2 per cent as against 94.4 per
cent of year 2009-10.
I.4.9.4 Awareness programmes on AML/CFT guidelines

to the staff of insurance companies, in the form
workshops/meetings were organized during the year, in
coordination with the insurance councils. IRDA also
worked closely with Financial Intelligence Unit-India (FIUIND) to improve upon the insurers understanding of
suspicious transactions and to act effectively on reports
disseminated by FIU-IND. A Joint Working Group
comprising of IRDA, Unique Identification Authority of
India (UIDAI), and Life and Non-life insurance industry
was constituted by UIDAI to work on the modalities of
using UID/facilitating issue of UID to people of India in
the insurance sector.
I.4.9.5 As part of the short term action points committed
to FATF, IRDA has issued instructions to the insurance
sector laying down the required Know Your Customer
(KYC) norms in case of legal persons. Insurers have
been advised to pay special attention to threats posed
by development of new products/ technologies and
manage associated risks. The requirements of risk
management procedures and enhanced due diligence
53

Modified NAIS
Weather Based Crop Insurance Scheme
I.4.10.2 The Modified National Agricultural Insurance

Scheme (MNAIS) was approved for its implementation
on pilot basis in 50 districts during Rabi 2010-11. During
Rabi 2010-11, AIC implemented MNAIS in 32 districts in
12 States insuring 3,45,001 farmers for a sum insured of
`692 crore or against premium of `45.20 crore during
Rabi 2010-11. The modified scheme has the following
major improvements vis-a-vis NAIS:
I.4.10.4 Weather Based Crop Insurance Scheme

(WBCIS) aims to mitigate the hardship of the insured
farmers against the likelihood of financial loss on account
of anticipated crop loss resulting from incidence of
adverse conditions of weather parameters like rainfall,
temperature, frost, humidity etc. It has been piloted across
India as an alternative to NAIS. WBCIS was implemented
by AIC in 16 states in Kharif 2010 and in 14 states in
Rabi 2010-11, covering in all more than 35 different crops.
WBCIS intends to provide insurance protection to farmers
against adverse weather incidence, such as deficit and
excess rainfall, long dry spells, fluctuations in minimum
and/or maximum temperature, relative humidity, wind
speed etc., which are deemed to impact the crop
production adversely. It has the advantage of processing
claims within a short time of occurrence of adverse
weather incidence. WBCIS is based on actuarial rates of
premium, but to make the scheme attractive, premium
actually charged from farmers in respect of food and
oilseed crops is capped at par with NAIS, and for annual
commercial and horticultural crops, the same has been
capped at 6 per cent. AIC insured about 61.20 lakh
hectares of cultivable land in respect of 38.98 lakh farmers
for a sum insured of `4,381 crore, earning a premium of
`455 crore during Kharif 2010 and about 35.52 lakh
hectares of land sown by about 28.25 lakh farmers for a
sum insured of `5,254 crore, for a premium of `428 crore
during Rabi 2010-11. WBCIS, during 2010-11, accounted
for 45 per cent of the AICs gross premium of
`1,950 crore.
Premium rates chargeable under MNAIS are

actuarial, supported by up-front subsidy in premium
from the Government. Insurer is responsible for the
claims liabilities, with a provison that the
Government will act as reinsurer of the last resort
if the claim ratio exceeds 500 per cent;
Insurance unit for major crops is village/village

panchayat or any other equivalent unit;
Prevented sowing/planting risks and post harvest

losses are covered;
Individual farm level assessment of losses is done

in case of localised calamities, like hailstorm and
landslide;
On-account payment up to 25 per cent of likely claim

is to be released as advance, for providing
immediate relief to farmers in case of severe
calamities;
Threshold yield is based on average yield of the

past seven years, excluding up to two years if
declared natural calamity by the State; and
I.4.11 MICRO INSURANCE

I.4.11.1 In order to facilitate penetration of micro
insurance to the lower income segments, IRDA has
formulated the Micro Insurance regulations. Micro
Insurance Regulation, 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.
Minimum indemnity level of 70 per cent is available

(instead of 60 per cent as in NAIS).
I.4.10.3 During Rabi 2010-11, MNAIS insured 3.52 lakh

hectares of crops grown by 3.45 lakh farmers for a sum
insured of `692 crore, underwriting gross premium of
`45.20 crore. Claims position is expected to be known
during the course of financial year 2011-12.The
administrative instructions have been issued by the
Government of India for implementing MNAIS on pilot
basis during Kharif 2011.
I.4.11.2 The main thrust of micro insurance regulations

is protection of low income people with affordable
insurance product 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 Governmental Organisations (NGOs) and Self Help
Groups (SHGs) to act as agents to insurance companies
54

in marketing micro insurance products and have also
allowed both life and non-life insurers to promote combi
micro insurance products.
business procured in this portfolio by garnering `123 crore

of individual premium from 29.51 lakh lives and `138 crore
of group premium under 1.33 crore lives.
Life Insurance Sector
I.4.11.4 The number of Micro Insurance agents at end

of March 2011 was 10,482; of which 9,724 were for the
LIC and the remaining represented the private sector
companies. Fourteen life insurers have so far launched
28 Micro Insurance products. Of the 28 products, 16 are
Individual products and the remaining 12 are Group
products.
I.4.11.3 While the Individual New Business premium in

the year was `130.40 crore under 36.51 lakh policies,
the group business amounted to `155.23 crore premium
under 1.53 crore lives. LIC contributed most of the
TABLE I.48
NEW BUSINESS UNDER MICRO INSURANCE PORTFOLIO FOR 2010-11
(Premium in ` lakh)
Insurer
Private
LIC
Total
Individual
Policies
Premium
699733
2951235
3650968
Schemes
Group
Lives covered
Premium
23
5446
5469
1983537
13275464
15259001
1719.14
13803.67
15522.81
735.09
12305.76
13040.85
Note: New business premium includes first year premium and single premium.
TABLE I.49
MICRO INSURANCE AGENTS OF LIFE INSURERS
Insurer
As on
1st April, 2010
Private
LIC
Total
Additions
during 2010-11
770
7906
8676
Deletions
during 2010-11
139
2171
2310
As on
31st March, 2011
151
353
504
758
9724
10482
TABLE I.50
INDIVIDUAL DEATH CLAIMS UNDER MICRO INSURANCE PORTFOLIO - 2010-11
(Benefit Amount in ` lakh)
Insurer
Total Claims
Payable
No. of
Benefit
Policies
Amount
Claims
paid
No. of
Benefit
Policies
Amount
Claims
repudiated
No. of
Benefit
Policies
Amount
Claims pending as on
31st March, 2011
No. of
Benefit
Policies
Amount
Private
4071
514.59
4039
(99.21)
505.23
(98.18)
28
(0.69)
9.01
(1.75)
4
(0.10)
0.35
(0.07)
LIC
7320
1190.17
7244
(98.96)
1174.12
(98.65)
60
(0.82)
13.41
(1.13)
16
(0.22)
2.64
(0.22)
11391
1704.76
11283
(99.05)
1679.35
(98.51)
88
(0.77)
22.42
(1.32)
20
(0.18)
2.99
(0.17)
Total
Note: Figures in brackets show per cent of the respective total claims
55

TABLE I.51
GROUP DEATH CLAIMS UNDER MICRO INSURANCE PORTFOLIO - 2010-11
(Benefit Amount in ` lakh)
Insurer
Private
Total Claims
Payable
No. of
Benefit
Lives
Amount
Claims
paid
No. of
Benefit
Lives
Amount
Claims
repudiated
No. of
Benefit
Lives
Amount
Claims pending
at end of year
No. of
Benefit
Lives
Amount
4499
1097.25
4285
(95.24)
1028.07
(93.69)
128
(2.85)
42.90
(3.91)
86
(1.91)
26.29
(2.40)
LIC
46306
19746.19
45965
(99.26)
19607.62
(99.30)
0
(0.00)
0.00
(0.00)
341
(0.74)
138.57
(0.70)
Total
50805
20843.44
50250
(98.91)
20635.69
(99.00)
128
(0.25)
42.90
(0.21)
427
(0.84)
164.86
(0.79)
Note: Figures in brackets show per cent of the respective total claims
Insurance products with the approval of the Authority, if

the sum assured and other features for the product are
within the range prescribed for Micro Insurance.
I.4.11.5 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 to offer composite covers
or package products. The insurance companies are now
offering already approved general products as Micro
I.4.11.6 The duration-wise settlement of death claims

under individual and group category are given in the
following tables:
TABLE I.52
DURATION-WISE SETTLEMENT OF DEATH CLAIMS IN MICRO INSURANCE
INDIVIDUAL CATEGORY - 2010-11
(No. of Policies)
Insurer
Private
LIC
Total
Within 30 Days
of Intimation
31 to 90
Days
91 to 180
Days
Duration
181 Days to
1 Year
More than
1 Year
Total Claims
Settled
3972
(98.34)
7242
(99.97)
11214
(99.39)
53
(1.31)
2
(0.03)
55
(0.49)
13
(0.32)
0
(0.00)
13
(0.12)
1
(0.02)
0
(0.00)
1
(0.01)
0
(0.00)
0
(0.00)
0
(0.00)
4039
7244
11283
Note: Figures in brackets show per cent of total claims settled.
TABLE I.53
DURATION-WISE SETTLEMENT OF DEATH CLAIMS IN MICRO INSURANCE
GROUP CATEGORY - 2010-11
(No. of Policies)
Insurer
Private
LIC
Total
Within 30 Days
of Intimation
31 to 90
Days
91 to 180
Days
Duration
181 Days to
1 Year
More than
1 Year
Total Claims
Settled
4080
95.22
45366
98.70
49446
98.40
172
4.01
599
1.30
771
1.53
31
0.72
0
0.00
31
0.06
2
0.05
0
0.00
2
0.00
0
0.00
0
0.00
0
0.00
4285
Note: Figures in brackets show per cent of total claims settled.
56
45965
50250

business, its success and sustainability depends mainly
on keeping the transaction costs down.
Non-life Insurance sector

I.4.11.7 There are a number of products offered by all
registered general insurance companies targeting low
income segment of the population. e.g. 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
I.4.11.8 Section 32B and 32C of the Insurance Act, 1938

and IRDA (Obligations of insurers to rural or social
sectors) Regulations stipulate obligations to insurers in
respect of rural and social sector, which have also
contributed a lot in development and promotion of micro
insurance products by insurers in India.
BOX ITEM 6
MICRO INSURANCE - REVIEW OF PAST PERFORMANCE AND ROADMAP FOR FUTURE
The Background
In the year 2000 when the insurance regulator came into being and the sector was opened up for private sector participation,
the insurance penetration (total premium as a percentage of GDP) in India was just 2.1 per cent and the coverage was largely
concentrated among the well-off. The Authority, which has been vested with developmental responsibilities apart from its
regulatory functions, therefore sought to not only expand coverage but also to correct the imbalances in availability/distribution
of insurance across geographic locations and economic classes.
As a first step in this direction, the Authority had come out with IRDA (Obligations of Insurers to Rural or Social Sectors)
Regulations, 2002. These regulations require insurers to sell a specified percentage of policies to rural public and to cover a
specified number of lives/assets belonging to people below poverty line or those pursuing certain traditional occupations. The
obligations have been quite effective in expanding coverage of insurance to the severely under-penetrated rural and low
income segments. Despite the substantial increase in the last decade, the coverage, especially among rural and social
sectors, continues to be inadequate looking to the potential and there is a crying need for its rapid expansion. Though the
obligations managed to compel insurers to operate among the under-covered sectors, mere compulsion would not accomplish
all that needs to be done in this connection. There was a realisation that insurers faced some genuine road blocks in expanding
coverage among rural and low income segments and that some of them could be cleared through regulatory interventions/
relaxations. Government of India set up a consulting group in 2003 to examine the existing insurance schemes for the rural
sector. The group suggested among other things that standalone micro insurance entities would not be viable in the given
context. Following these recommendations the Authority issued IRDA (Micro insurance) Regulations, 2005.
The essence of Micro insurance Regulations
Adoption of the Partner-Agent model whereby the insurer would provide technical expertise in the form of risk underwriting,
while the agent would bring network, reach and trust among communities to the table.
A new class of distributors called Micro insurance agents was created, whereby Micro Finance Institutions (MFIs), NonGovernmental Organisations (NGOs) and Self Help Groups (SHGs) have been allowed to take up distribution of micro
insurance products. Differential commission rates are allowed to micro insurance agents in view of low ticket size of
these policies and the additional servicing responsibilities involved. The regulations have relaxed the requirements as
regards qualification, examination and licensing; but mandated a 25-hour training to be imparted to the employees of
micro insurance agents by insurers.
Composite products, whereby multiple risks faced by low income families such as life, health, accident, dwelling, livestock
and tools & implements, could be covered under a single policy through a tie-up between life and general insurers.
Sum assured limits have been defined for products to qualify as micro insurance to ensure that the products cater
specifically to the needs of micro insurance segment.
57
Micro insurance Regulations - A review of performance

I.
Life Insurance
The details of micro insurance agents, number of policies underwritten and claims paid are indicated in the Tables as under
for the years 2007-08 to 2010-11.
NUMBER OF MICRO INSURANCE (MI) AGENTS (LIFE)
Year (as at 31st March)
2008
2009
2010
2011
Number
4584
7250
8676
10482
NEW BUSINESS PREMIUM (LIFE)

(Amount in ` crore)
Individual
Group
Year
No. of
Policies
Premium
No. of
Schemes
No. of
Lives
Premium
2007-08
2008-09
2009-10
2010-11
937768
2152069
2983954
3650968
18.23
36.56
158.22
130.40
7598
6897
5207
5469
12242027
12551809
16842070
15259001
201.27
205.95
234.81
155.23
MICRO INSURANCE CLAIMS (LIFE)

(Amount in ` crore)
Individual
Year
2007-08
2008-09
2009-10
2010-11
No. of
Claims Paid
Group
Amount of
Claims Paid
No. of
Claims Paid
Amount of
Claims Paid
439
0.62
43688
120.88
(87.80)
(88.38)
(99.86)
(99.91)
2527
3.31
50338
154.62
(95.83)
(86.03)
(99.64)
(99.71)
7508
8.19
43463
177.68
(99.13)
(95.55)
(98.74)
(99.09)
11283
16.79
50250
206.35
(99.05)
(98.51)
(98.91)
(99.00)
Note: Percentages in brackets indicate claims paid over claims intimated.

As can be observed from the above Tables, micro insurance started off as a minuscule portfolio but has been able to
demonstrate robust growth in the last few years.
Looking at the break-up, while a sizeable portion of the group micro insurance has been supported by government sponsored
social security schemes, the 3.6 million individual life policies are mostly self-funded which indicates that the target segments
are willing to purchase insurance if the right kind of supply is made available.
Renewal premium (life) under micro insurance too has grown to a substantial amount. In the year 2010-11, the individual
renewal premium was `181 crore while the group micro insurance renewal premium for the year was `682 crore.
58
II. Non-Life Insurance

The details of premium underwritten and claims paid by the non-life insurance companies for the years 2009-10 and
2010-11 are captured in the Table below:
MICRO INSURANCE PREMIUM AND CLAIMS (NON-LIFE)
(Amount in ` crore)
Year
Gross Written
Gross Incurred
Gross Incurred
Premium
Claims
Claims Ratio (in per cent)
2009-10
193.14
126.65
65.57
2010-11
393.38
309.90
78.78
As on 31st March, 2011, life insurers had 16 individual and 12 group micro insurance products in their basket while general
insurers had launched a total of 66 products.
There is an increasing realisation that social security schemes of the Government are better administered through insurers
due to cost-efficiency, superior service-delivery and better accountability. As such three of the flagship social security
schemes of the Government of India targeted at low-income/micro insurance segments viz. Aam Aadmi Bima Yojana
(AABY), Janashree Bima Yojana and Rashtriya Swasthya Bima Yojana (RSBY) have been handed over to insurers for
administration.
Roadmap for the future
From a modest beginning, micro insurance has been able to grow to a respectable size in the five-year period after issue of
the Regulations. In the year 2010-11, the total premium collected under life and non-life micro insurance portfolios put
together was of the order of `1,543 crore, out of which life insurance premium was `1,149 crore and non-life insurance
premium was `393 crore. However, looking at the unattended need for insurance among low-income and rural segments,
what has been accomplished amounts only to scratching the surface. Only a tiny fraction of these persons have insurance
protection of any kind and there is an urgent need to expand coverage to a vast number of uninsured masses. The following
steps could help speed up expansion of micro insurance:
1.
The ticket size in micro insurance is very small and therefore the per-policy costs applicable to mainstream insurance
would just not work out. It therefore becomes imperative for insurers to invent/innovate new ways of reducing the same.
Compared to individual insurance, group insurance is extremely inexpensive owing to low cost of distribution, far lower
overhead costs due to issue of a single policy for the whole group, easy underwriting norms and support of nodal
agency in remittance of premiums, filing claims, etc. Also micro insurance segments live in tight-knit social and economic
communities and are therefore easily accessible through community leadership. Involvement of community leadership
significantly eases the burden of awareness-building on the insurers.
2.
Latest technological innovations have revolutionised the way operations are conducted in the financial sector especially
in rural areas. Insurers too can benefit by deploying latest technology such as premium collection on hand-held devices
connected to insurers through internet; payments and service requests over mobile phones; logging-in proposals and
uploading claims and servicing requests on the net; to economise and expand their operations. Insurers can look at
hiring existing I.T. networks/infrastructure of other businesses/ entities that have a good presence in rural areas for the
purpose of servicing as well as pay-ins and pay-outs.
3.
Eligibility for micro insurance agency is now limited to Micro Finance Institutions (MFIs), Self-Help Groups (SHGs) and
Non-Governmental Organisations (NGOs). Since these entities are not active in vast portions of the country, there is a
need to expand the scope of micro insurance agency to enable a balanced and faster growth of micro insurance in the
country. Insurers in some countries have successfully launched sale of across-the-counter micro insurance products in
grocery/street-corner stores. The client would buy a voucher in the store and leave his particulars following which the
insurers agent/representative would visit him within a week to complete the paper work and issue the policy subject to
satisfaction of underwriting requirements. Insurance can also be embedded into various items frequently purchased by
rural/low-income communities such as farm equipment, seed, fertilizer/pesticide, televisions, mobile phones/services,
motors/pumps, loans, deposits and mortgages.
59

I.4.12 DIRECTIONS, ORDERS AND REGULATIONS
ISSUED BY THE AUTHORITY
Officers (CPIO) in terms of Section 5(1) of the RTI Act,

2005.
I.4.12.1 The Authority issued a number of Circulars,

Directions and Orders during 2010-11. The list of all such
Circulars, Directions and Orders are placed at Annexure
8. The Annexure 8 covers all such Circulars, Directions
and Orders issued till 30th September, 2011. In addition,
the details of all Regulations notified by the Authority till
30th September, 2011 are placed at Annexure 9.
I.4.13.2 During the same period, the Authority designated

Shri Rakesh Bajaj as Assistant Central Public Information
Officer for its Delhi Office in terms of Section 5(2) of the
RTI Act, 2005 to discharge the functions assigned in terms
of the said Section of RTI Act, 2005.
I.4.13.3 In addition, Dr R. Kannan, the then Member
(Actuary) was designated as Appellate Authority in terms
of Section 19(1) of the RTI Act, 2005 and pursuant to his
demitting the office of the Authority on 1st June, 2011,
Shri H Ananthakrishnan, OSD (Legal) has been
designated as Appellate Authority in his place.
I.4.13 RIGHT TO INFORMATION (RTI) ACT, 2005

I.4.13.1 During 2010-11, the Authority designated
following officers as the Central Public Information
TABLE I.54
LIST OF CENTRAL PUBLIC INFORMATION OFFICERS
No. Name of the CPIO
Department
Functional Areas
1.
Shri S P Chakrabarty
Actuarial
Actuarial Returns, Appointed Actuary System,

File & Use of Life Products and other actuarial matters.
2.
Shri D V S Ramesh
Life
Life Returns, Market conduct issues, Micro Insurance,

Agents, Corporate Agents, ATI (Agents Training
Institutions) and Referrals, approval of Branch
Offices of Insurers etc.
3.
Shri N M Behera
Non-Life
Health Insurance related issues.
4.
Shri K Sridhar
Non-Life
Reinsurance, File & Use of products, Surveyors,

Approval of Branch Offices of Insurers and other
matters relating to General Insurers and Reinsurer(s).
5.
Shri K Mahipal Reddy
Non-Life
Brokers & Third Party Administrators (TPAs).
6.
Shri Mahesh Aggarwal
Finance
& Investment
Accounts & Investments of Insurers and also

registration of new Insurers, approval,
appointment and remuneration of CEOs of Insurers etc.
7.
Shri A Krishnan
Consumer Affairs Protection of interest of Policyholders both life

and non-life (Grievances, Advertisements,
Ombudsman etc.).
8.
Shri B Raghavan
Administration
HR, Recruitment and Training, Promotions, Vigilance etc.

and office services, IT, International Affairs, Internal Audit
and Legal Affairs and any other residual matters.
60
PART II
REVIEW OF WORKING AND OPERATIONS
II.1 REGULATION OF INSURANCE
REINSURANCE COMPANIES
AND
An insurer shall appoint a credit management

agency for assessing credit worthiness of the
policyholder. The agency shall have no conflict
of interest with the policyholder.
No specific trade credit insurance policy can

be sold to a single prospect.
A trade credit insurance shall not offer

indemnity which is more than 80 per cent of
the trade receivable of the buyer or 90 per cent
of the cost incurred by seller for previous year,
whichever is lower.
II.1.1 Issuance of Guidelines on Trade Credit

Insurance
Trade Credit insurance is closely tied to the real economy
facilitating domestic and international commerce. It
indemnifies policyholders when its buyers fail to pay for
goods and services. In order to ensure orderly growth of
this sector on sound insurance principles, the Authority
issued the guidelines on Trade Credit Insurance. The
salient features of the guidelines are as under:
The guidelines define various terms associated with

trade credit insurance such as buyer, maximum
liability, credit limit, insolvency, factoring, etc. It also
gives the scope of cover under trade credit
insurance policy.
Any trade credit insurance policies to be issued by

the insurer will be subject to the File & Use and the
credit insurance guidelines.
The guidelines specify basic requirements of a trade

credit insurance product which includes that
policyholder should necessarily be a supplier of
goods and services and his loss is for non-receipt
of trade receivables.
The guidelines also specify conditions on trade

credit insurance from insurers perspective and
policyholder perspective. The significant ones are:
This policy cannot be issued to banks/

financers/ lenders or where they are a
beneficiary of the claim or where the proceeds
of the claim are assigned to them.
A Trade Credit Insurance policy can be sold

to a seller on a whole turnover basis. There
shall be pre-credit limits for each buyer fixed
by the insurer and also an overall limit under
the policy.
The insurer shall necessarily assess credit risk

of buyers who contribute more than 2 per cent
of the total turnover.
Every trade credit insurance policy shall carry

subrogation condition.
An insurer will have well defined internal

underwriting, risk management and claims
settlement guidelines approved by the Board of
Directors for writing this class of business.
The guidelines specify the creation of premium,

claims, IBNR and IBNER reserves on actuarial
basis.
The net retention of the insurer for trade credit shall

not exceed 2 per cent of its networth.
The guidelines require the insurer to have qualified,

experienced and trained employees dealing with
trade credit insurance.
The Authority has specified reporting requirements

to monitor the performance of this line of business.
The new framework requires insurers to file revised

products in line with File & Use guidelines and the trade
credit guidelines.
II.1.2 Relaxation in the Terms & Conditions of
erstwhile tariff coverage effective from 1st January,
2009
After de-tariffication of the General Insurance Industry,
another major decision taken by the Authority is to allow
relaxations in erstwhile tariff products. In its series of steps
to promote innovations in products and to increase
insurance penetration, IRDA vide its circular dated
6th November, 2010 has allowed insurers to file:
61
Variations in deductibles set out in tariffs
New add-on covers over and above the erstwhile

tariff covers
II.1.3 Submission of compliance report for facultative

reinsurance placements
Extension of engineering insurance coverage to

movable/portable equipments
Removal of minimum Total Sum Insured (TSI) limit

of `100 crore for Industrial All Risk (IAR) policies
and has also allowed IAR cover for petrochemical
industry.
The Authority on review of the reinsurance programme

of the companies for the year 2008-09 advised all
non-life insurance companies to place unplaced
reinsurance abroad only after offering it to other Indian
insurers and reinsurer. In order to monitor compliance,
the Authority has sought half-yearly report on compliance
of the same by seeking details of facultative placements
made by the respective company.
II.2 INTERMEDIARIES ASSOCIATED WITH THE
INSURANCE BUSINESS
However, the scope of standard covers available under

the existing tariffs cannot be abridged beyond the options
permitted in different categories and any such new cover
to be proposed is subject to filing with IRDA under F&U
guidelines. The relaxation of norms will be beneficial for
the customers while at the same time allow the companies
to broaden their offerings; facilitate offer of tailor-made
products to different customers; and design risk/industry
specific cover. IRDA has allowed new add-on covers in
more than 75 products under Fire, Engineering and Motor
segments of various insurers till date.
Insurance Agents
II.2.1 The year 2010-11 witnessed 11.38 per cent
decrease in the number of individual agents. The number
has gone down from 29.78 lakh as on 31st March, 2010
to 26.39 lakh as on 31st March, 2011. While the private
life insurers recorded a decrease of 17.34 per cent, LIC
showed a decrease of 4.69 per cent. LIC has more
number of individual agents than all private life insurers
put together. At the end of the year, while the number of
agents with LIC stood at 13.37 lakh, the corresponding
number for private sector insurers was 13.02 lakh.
TABLE II.1
DETAILS OF INDIVIDUAL AGENTS : LIFE INSURERS
Insurer
As on
1st April, 2010
Additions
during 2010-11
Deletions
during 2010-11
As on
31st March, 2011
Private
1575476
395467
668615
1302328
LIC
1402807
306296
372039
1337064
Industry
2978283
701763
1040654
2639392
II.2.3 Firstly, it is a huge drain on the financials of the

insurers who spend a lot of money and time on
prospecting, appointing and training of these agents.
Secondly, the policies procured by these agents are
rendered orphan on their termination and thereafter often
result into lapsation due of lack of servicing support.
Thirdly, the image of the profession of agency too suffers
a setback since the public in general and prospective
agents in particular perceive it as lacking in stability, thus
making it more difficult for insurers to find good agents. It
is therefore in the interest of all stakeholders to work at
reducing the turnover of agents.
II.2.2 One major concern that emerges from the data is

the high per cent of turnover of agents. In 2010-11, while
the total number of agents appointed was 7.02 lakh, the
number of agents terminated was as high as 10.40 lakh.
The scenario was worse for private insurers as compared
to LIC. While private insurers appointed 3.95 lakh agents,
they terminated 6.69 lakh agents. On the other hand, LIC
has terminated 3.72 lakh agents while it appointed 3.06
lakh agents. Such high turnovers may have negative
consequences.
62

TABLE II.2
DETAILS OF CORPORATE AGENTS : LIFE INSURERS
Insurer
As on
1st April, 2010
Additions
during 2010-11
Deletions
during 2010-11
Private
LIC
Total
2420
510
2930
1919
16
1935
2469
231
2700
As on
31st March, 2011
1870
295
2165
corporate agents, which was 14.55 per cent during

2008-09 and 14.87 per cent during 2009-10, increased
to 16.86 per cent in the year 2010-11. Among the various
corporate channels, the share of banks in total new
business underwritten increased from 10.60 per cent in
2009-10 to 13.30 per cent in 2010-11.
II.2.4 As on 31st March 2011, there were 2,165 corporate

agents. When compared to 31st March 2010, the number
of corporate agents in life insurance fell drastically by
765 (26 per cent). While 1,935 new agents were added
during 2010-11, licenses of 2,700 corporate agents were
cancelled. LIC has terminated 231 corporate agents when
compared to 16 new recruitments. The private insurers
have terminated 2,469 corporate agents while recruiting
1,919 new corporate agents.
II.2.6 There is a decrease in the share of direct selling in

the individual new business. Its share has gone down
from 4.13 per cent in 2009-10 to 2.42 per cent in
2010-11. While private insurers have procured 6.43
per cent of the new business through direct selling, LIC
has procured only 0.11 per cent of its new business
through this channel.
CHANNEL-WISE NEW BUSINESS PERFORMANCE
Individual New Business

II.2.5 Over the years, there has been a shift away from
the individual agency channel. The new business
premium procured through individual agents has
decreased to 78.95 per cent during 2010-11 from 79.61
per cent reported during the previous year. The share of
II.2.7 The share of corporate agents in the new business

premium procured by the private life insurers was
significant at 41.61 per cent in 2010-11 as compared to
35.14 per cent in 2009-10. On the other hand, LIC has
procured 97.45 per cent of the new business premium
from individual agents.
TABLE II.3
INDIVIDUAL NEW BUSINESS PERFORMANCE OF LIFE INSURERS FOR 2010-11 CHANNEL WISE
(Figures in per cent)
Insurer
Private
LIC #
Total
Individual
Agents
46.89
97.45
78.95
Corporate
Agents
Brokers
Banks
Others*
33.21
1.81
13.30
8.70
0.59
3.56
4.77
0.04
1.77
Direct
Selling
Total
Individual
New
Business
6.43
0.11
2.42
100.00
100.00
100.00
*Any entity other than banks but licensed as a corporate agent.

# Does not include its overseas new business premium.
Note:
1) New business premium includes first year premium and single premium.
2) The leads obtained through referral arrangements have been included in the respective channels.
63
Referrals
2.34
0.23
1.01

CHART II.1
INDIVIDUAL NEW BUSINESS PREMIUM OF LIFE INSURERS - CHANNEL WISE
100.00
80.00
PER CENT
Private
LIC #
60.00
Total
40.00
20.00
0.00
Individual
Agents
Corporate
Agents-Banks
Corporate
Agents-Others
Brokers
Direct Selling
# Does not include its overseas new business premiums.
Group New Business

II.2.8 Direct selling continues to be the dominant channel
of distribution for group business, with a share of 90.06
per cent during 2010-11. The corresponding share in the
previous year was 89.34 per cent. While LIC has done
6.84 per cent of the group business through its traditional
individual agency, private insurers procured only 0.96
per cent through this channel. Another important channel

for the private insurers was banks. During the year
2010-11, bancassurance contributed 11.51 per cent of
the total group business of the private insurers. The same
was 8.67 per cent during the previous financial year.
TABLE II.4
GROUP NEW BUSINESS PERFORMANCE OF LIFE INSURERS FOR 2010-11 CHANNEL WISE
Insurer
Individual
Agents
Corporate
Agents
Banks
Private
LIC #
Total
0.96
6.84
5.63
11.51
0.88
3.08
Brokers
Direct
Selling
Total
Individual
New
Business
82.26
92.09
90.06
100.00
100.00
100.00
Others*
2.91
0.18
0.74
2.36
0.01
0.49

Note:
64
Referrals
0.44
0.00
0.09

CHART II.2
GROUP NEW BUSINESS PREMIUM OF LIFE INSURERS - CHANNEL WISE
100.00
90.00
80.00
PER CENT
70.00
60.00
Private
50.00
LIC #
Total
40.00
30.00
20.00
10.00
0.00
Individual
Agents
Corporate
Agents-Banks
Corporate
Agents-Others
Brokers
Direct Selling
Total of Individual and Group Business

2009-10. The channel which witnessed a major growth
as compared to previous year was direct selling. This
mode has contributed 32.36 per cent of the total new
business in 2010-11 as compared to 25.73 per cent during
the year 2009-10.
II.2.9 Individual agents continue to play a major role in

procuring new insurance business. At the aggregate level
(individual and group business together), agents
contributed 53.90 per cent of the total new business.
However, their share declined from 60.91 per cent in
TABLE II.5
NEW BUSINESS PREMIUM (INDIVIDUAL AND GROUP) OF
LIFE INSURERS FOR 2010-11 CHANNEL-WISE
Insurer
Individual
Agents
Corporate
Agents
Banks
Private
LIC #
Total
36.48
61.79
53.90
28.29
1.44
9.81
Brokers
Direct
Selling
Total
Individual
New
Business
23.62
36.32
32.36
100.00
100.00
100.00
Others*
7.39
0.42
2.59
4.22
0.03
1.33

Note:
65
Referrals
1.91
0.14
0.69

CHART II.3
NEW BUSINESS PREMIUM OF LIFE INSURERS
(INDIVIDUAL & GROUP)
70.00
60.00
PER CENT
50.00
Private
40.00
LIC #
Total
30.00
20.00
10.00
0.00
Individual
Agents
Corporate
Agents-Banks
Corporate
Agents-Others
Brokers
Direct Selling
TABLE II.6
NUMBER OF LICENCES ISSUED TO SURVEYORS
AND LOSS ASSESSORS
SURVEYORS AND LOSS ASSESSORS

II.2.10 The Authority issues licenses to surveyors and
loss assessors in terms of Section 64 UM of the Insurance
Act, 1938. An individual, a company or a firm wanting to
act as surveyor and loss assessor has to make an
application to the Authority in the prescribed format for
Fresh licences
Individual
Corporate
the purpose. The Insurance Surveyors and Loss

Assessors (Licensing, Professional Requirements and
Code of Conduct) Regulations, 2000 lay down the
process of application for procurement of license.
Renewals
Individual
Corporate
II.2.11 During the financial year 2010-11, the Authority

enrolled 636 applicants as trainee surveyors and issued
253 fresh licenses to trainee surveyors on completion of
practical training and passing of requisite examinations.
The Authority renewed 1371 licenses during the financial
year 2010-11 after fulfillment of all regulatory
Trainee Enrolments
April 2010
to
March 2011
April 2011
to
June 2011
253
34
34
7
1371
67
403
8
636
168
II.2.12 In terms of Regulation 11 of the Insurance

Surveyors and Loss Assessors (Licensing, Professional
requirements and Code of Conduct) Regulations, 2000,
the Authority has constituted a Committee of Surveyors
and Loss Assessors, vide its Order dated 20th September,
2011. The Committee comprises of representatives of
the Authority, non-life insurance industry, surveyors and
policyholders.
requirements. Further, for the first quarter of 2011-12,

403 renewals have been issued.
66

II.2.13 The Committee has a term of three years from
date of its constitution and shall exercise the functions
referred to in Regulation 12 of the Insurance Surveyors
and Loss Assessors (Licensing, Professional
requirements and Code of Conduct) Regulations, 2000
and advise the Authority on implementation of removal
of restrictions of departments; and on up-gradation of
categories of licensed surveyors.
II.3.2 The following Table gives details on the petitions/

cases disposed/dismissed during the year 2010-11:
TABLE II.9
PETITION / CASES DISPOSED / DISMISSED
With
directions
to IRDA
II.2.14 In 2010-11, the Authority received 112 cases of

grievances related to surveyors and loss assessors and
addressed 108 cases.
- Special Leave Petition (SLP)

- Writ Petitions
disposed/ dismissed
- Writ Appeals / LPAs
disposed /dismissed
- Review / Restoration Petitions
disposed / dismissed
- Contempt Petitions
disposed / dismissed
- Consumer cases
disposed/ dismissed
- Civil cases disposed/
dismissed
- MACT/MRTP/Lok Adalat cases
disposed/ dismissed
TABLE II.7
GRIEVANCES RELATING TO SURVEYORS AND
LOSS ASSESSORS
For the period
April, 2010 - March 2011
April, 2011 - June 2011
Received
Addressed
112
20
108
18
II.2.15 In order to facilitate the on-line submission of

applications for grant of license (fresh and renewal) and
to reduce the time involved in the licensing process, the
Authority is in the process of implementing software
namely Integrated Surveyor Licensing Management
System (ISLMS).
II.3 LITIGATIONS,
PRONOUNCEMENTS
APPEALS
AND
COURT
TOTAL
II.3.1 The details of the litigation in terms of cases filed

before the Hble Supreme Court, various High Courts,
Consumer Courts, Civil Courts, Motor Accidents Claim
Tribunal (MACT), and Lok Adalat, as also cases disposed/
dismissed during the period from April 2010 to
March 2011 are provided below:
Particulars
0
6
1
26
29
II.3.3 In two writ petitions, IRDA was directed to look into

renewal of Broker licence afresh by a two members
Committee. In one writ petition, the Court directed IRDA
to dispose the representations filed before it. In two writ
petitions, Court has directed IRDA to proceed against
the Broker in accordance with law. In yet another case
relating to cashless facilities, the Court directed IRDA to
ensure that the interests of the policyholders are
protected.
TABLE II.8
DETAILS OF CASES FILED
Without
directions
to IRDA
No. of
Cases
Cases filed in the Supreme Court
2
Writ Petitions filed in various High Courts
37
Writ Appeals/LPAs filed in
2
various High Courts
Review/Restoration Petitions filed in
0
various High Courts
Contempt Petitions filed in various
2
High Courts
Consumer cases filed
17
Civil cases filed
4
Lok Adalat cases filed
1
TOTAL
65
SIGNIFICANT ORDERS PASSED DURING 2010-11

II.3.4 W.P (C) Nos. 13288/2011 filed before Hble High
Court, Kerala along with batch of cases and
W.P.10908/2011 filed before Hble High Court of
Madras along with batch of cases.
The Writ petitions were filed before Hble Madras and
Kerala High Courts challenging the IRDA notification Ref:
IRDA/NL/NTFN/MOTP/066/04/2011 dated 15th April,
2011. The said notification was made by the Authority in
exercise of power vested under section 14 (2) of IRDA
Act, 1999 revising the motor third party insurance
premium with effect from 25th April, 2011.
LPA: Letters Patent Appeal
67

Order: The Hble High Courts of Madras and Kerala vide
their Order dated 14th June, 2011 and 22nd June, 2011
respectively dismissed the petitions and upheld the
notification of IRDA. The Writ Appeals filed in Madras
High Court was also dismissed by the Division Bench
vide Order dated 14th July, 2011. The Hble Kerala High
Court observed the correctness and sustainability of the
rates now notified. It is to be primarily noted that the IRDA
is an Expert Body in this regard, who has finalized the
rates, based on a clear cut formula and with reference to
the actual facts and figures, after considering the
objections /suggestions /recommendations preferred by
the parties concerned /after several rounds of
discussions. There is no challenge as to the constitutional
validity of the Authority or as to the credentials of the
Experts in this regard. The prescription of rates is
obviously based on the relevant parameter. Further, the
last revision effected was in the 2007 and by this time,
cost escalation has gone to sizable extent in almost all
spheres, which includes the insurance segment as well.
Similarly, the extent of liability fixed on the insurers in the
Third Party Claims has also got substantially mounted
up, by virtue of higher multiplicand being adopted and
such other relevant factors leading to higher Awards by
the Motor Accident Claim Tribunals (MACT)
enhancements awarded by the High Courts in Appeals
and also by the Apex Court in appropriate cases.
of Insurance Act, 1938 relating to Nomination by

Policyholder and Section 14(2)(b) of IRDA Act, 1999
relating to Protection of Interest of Policyholders in this
regard. IRDA, while revising the Proposal form for
Compulsory Motor Third Party Insurance (Liability Only
Policy), vide Circular No. IRDA/NL/F&U/Cir/Misc./101/
06/2010 dated 28 th June, 2010 made provision for
nomination in Para 28 (Compulsory Owner DriverPersonal Accident cover) and Para 29 (Personal Accident
cover for named occupants) of the Standard Proposal
form for Liability only Policy. The Petitioner quoted this
Circular where provision has been made for nomination.
Order: The Hble High Court has taken cognizance of
the IRDA Circular No.IRDA/NL/F&U/Cir/Misc./101/06/
2010 dated 28th June, 2011 and directed IRDA that the
nomination provision available in Liability Only Policy
be provided to Motor Package Policy as well.
II.3.6 SLP (C) No. 14326/11- Insurance Regulatory
and Development Authority and Ors. vs Willis India
Insurance Brokers Pvt. Ltd. & Ors. before Supreme
Court of India
Finally, the Hble Kerala High Court vide its Order dated
22nd June, 2011 upheld the notification and dismissed the
writ petitions, with an observation that the extent of hike
in motor third party insurance premium is purely a matter
to be left to the Expert body who have considered all
the relevant materials and the objections/
recommendations raised from the different corners before
the same was finalized. This is also liable to be treated
as a Policy decision, over which, there cannot be any
transgression on the part of this Court.
While applying for license/renewal of license to function

as an insurance broker, the applicants are bound to
disclose material facts as per item 5.1 of Form A read
with regulations 6, 9 and 13 of IRDA (Insurance Brokers)
Regulations. Willis India Insurance Brokers Pvt. Ltd.
(Willis) was first issued Composite Broker Licence on
3rd April, 2003 for a period of 3 years. The licence was
renewed for another three years i.e., for the period
4th April, 2006 to 3rd April, 2009. However, there was a
dispute between Export Credit Guarantee Corporation
of India (ECGC) and BACSPL [shareholder of Willis]
regarding non-payment of certain amount, which was not
disclosed to the Authority at the time of renewal of
application in 2006.
The Hble Madras High Court vide Order dated

14th June, 2011 while dismissing the writ petitions,
observed that the notification of IRDA is based on rational
classification and subject to sound reasoning and evolved
after public consultation with the stakeholders.
Accordingly, in view of such non-disclosure of material

facts, while considering renewal application in 2009,
under powers vested by Section 14 of the IRDA Act read
with Regulation 14 (1) of the IRDA (Brokers) Regulations,
2002, the Authority refused to grant renewal of license.
II.3.5 Writ Petition No.7948/2008 - Dhruv Kumar vs

IRDA and Others before Hble High Court of
Judicature at Allahabad, Lucknow Bench.
Against this Order, Willis approached the Bombay High

Court and the Court vide Order dated 21st October, 2010
directed the Authority to constitute a Committee of two
whole time members of IRDA to decide on the renewal
application of Willis.
The Petitioner Mr. Dhruv Kumar filed a Public Interest

Litigation in the High Court on the ground of nonavailability of Nomination facility for the Compulsory
Personal Accident cover granted to Owner-Driver of
Motor vehicles. He quoted the provisions of Section 39
The two member Committee constituted by the Authority,

after giving hearing to representatives of Willis passed
the Order dated 26th November, 2010, upholding the
68

decision of the Authority denying renewal of license on
the ground that Willis India had not furnished the
information as required in item 5.1 of Form A read with
regulations 6, 9 and 13 of IRDA (Insurance Brokers)
Regulations wherein even settled disputes were required
to be disclosed in the said Form A by every applicant.
The Committee noted that the Authority had been denied
of the facts of the dispute with ECGC which would have
otherwise led to the weighing of the application in terms
of Regulation 9 (1) of the IRDA Brokers Regulations as
well as Section 42 D of the Insurance Act, 1938.
II.3.7 W. P. No. 23161/10- Strategic Insurance Broking

Services P. Ltd. vs IRDA & Ors in the High Court of
Andhra Pradesh.
IRDA, IFFCO Tokio General Insurance Company Ltd.
and Lanco Amarkantak Power Pvt. Ltd were impleaded
as respondent nos. 1 to 3 in the subject petition.
Strategic Insurance Brokering Services Private Limited
(Broker) had inter alia challenged the action of IFFCO
Tokio General Insurance Company Ltd. in not paying the
renewal commission for affecting the renewal of the policy
taken by Lanco Amarkantak Power Pvt. Ltd. from the
said insurer.
Against this Order of the two member Committee, Willis

filed a fresh writ petition in Bombay High Court, and the
Court vide Order dated 7th March, 2011 decided that the
rejection of renewal application on the ground of nondisclosure of dispute between BACSPL (shareholder of
Willis) and ECGC was not a relevant aspect which was
required to be considered at the time of considering
renewal application. The Court directed the two member
Committee to take a fresh decision on renewal application
in accordance with the law. The Court at the same time
clarified that if there is any other ground available with
IRDA and if there is any legal impediment in passing the
Order of renewal, the same may also be considered after
bringing such impediment to the notice of Willis. The Court
however directed that the non-disclosure of dispute
between BACSPL and ECGC was not a relevant aspect
and the same may not be taken into consideration while
deciding the renewal application afresh. Thereafter, the
two member Committee, as per the Order of the Court,
took a fresh decision on the renewal application of Willis
and upheld the refusal of the renewal on the ground of
violation of regulation 23 of IRDA (Insurance Brokers)
Regulations.
The Broker contended that Lanco Amarkantak Power Pvt.

Ltd. had purchased an insurance policy for insuring their
300MV Unit-I power project from IFFCO Tokio General
Insurance Company Ltd. seeking the services of the
broker but at the time of renewal of the said policy for the
year 2009, the premium towards the same was paid by
Lanco Amarkantak Power Pvt. Ltd to IFFCO Tokio
General Insurance Company Ltd. directly, thereby
resulting in denial of the renewal commission by IFFCO
Tokio General Insurance Company Ltd.
The Broker alleged that the action of IFFCO Tokio
General Insurance Company Ltd. in directly accepting
the premium from Lanco Amarkantak Power Pvt. Ltd. and
denying renewal commission is in violation of the IRDA
guidelines and regulations.
The Broker also contended that on approaching the IRDA
for resolving the said dispute, on the ground of it being
an issue between an intermediary and insurer, the IRDA
had vide its letter dated 26th August, 2010, intimated the
Broker that it had no power to adjudicate the dispute
between the intermediary and the policyholder, as the
same did not fall within its regulatory purview and further
advised the petitioner to approach the appropriate legal
forum for resolution of the dispute.
Thereafter, IRDA filed the Special Leave Petition against

the observation regarding the non- disclosure in the above
final Order/judgment dated 7th March, 2011 passed by
the Hble High Court of Judicature at Bombay keeping in
mind the policyholders interests which in the opinion of
IRDA would be gravely jeopardized if the said Order was
not overruled, as fit and proper evaluation of antecedents
of shareholders will not be possible. The future applicants
will be free to suppress material facts affecting their
application for grant of license.
Aggrieved by the said decision of the IRDA, the Broker

had filed the subject petition inter alia praying for quashing
of the said letter of the IRDA dated 26th August, 2010 and
further prayed for issuance of direction to IRDA to
adjudicate the dispute between them and the insurer on
merits.
Order: The Supreme Court vide Order dated 5th July,

2011 noted that since the Authority has complied with
the Order of Bombay High Court therefore it will not
intervene in the said Order. However, the Supreme Court
left the question of law raised by IRDA in the SLP open.
Order: The Hble High Court while dismissing the petition

vide Order dated 22nd March, 2011 observed that in the
instant case there is no dispute between the Broker and
IFFCO Tokio General Insurance Company Ltd i.e. the
insurer. Rather, it is a dispute between the Broker and
69

insured, and the jurisdiction conferred upon IRDA does
not cover the same. The Court directed the Broker to
avail its remedy before the appropriate forum, in
accordance with the law.
leads to financial stability both within the 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.
II.3.8 C.C No.5/ 2010 Vijay Mittal & another vs

Savera Charitable Trust & others filed before the
District Consumer Forum, Batinda, Punjab.
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 complaint was filed challenging repudiating the claim

made by them under the Savera Health Care Scheme,
on the ground that the Reliance General Insurance
Company has not issued 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.
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. In its recent meeting,
the IAIS announced the adoption of revision to the IAIS
Insurance Core Principles, Standards, Guidance and
Assessment Methodology (ICP). The ICPs constitute the
globally accepted framework used in the evaluation of
supervisory regimes under the Financial Sector
Assessment Program (FSAP) conducted jointly by the
World Bank and International Monetary Fund (IMF). The
revised ICPs take into account the experience gained
from the FSAP assessments as well as recommendations
issued by the G20 Finance Ministers and Central Bank
Governors and the Financial Stability Board. The revised
ICPs, which include an entirely new principle guiding
future work in the area of macro-prudential surveillance,
continue to represent a solid basis for the further
strengthening of insurance supervision globally.
Order: The Hble 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-avis IRDA and thereafter by its Order dated 31st January,
2011 dismissed the complaint against IRDA.
II.4 INTERNATIONAL
INSURANCE
CO-OPERATION
IN
International Association of Insurance Supervisors

(IAIS)
II.4.1 The International Association of Insurance
Supervisors (IAIS) established in 1994 is a global
standard setting body whose objectives are to promote
effective and globally consistent regulation and
supervision of the insurance industry in order to develop
and maintain fair, safe and stable insurance markets for
the benefit and protection of policyholders; and to
contribute to global financial stability. Over the years, the
membership, which includes insurance regulators and
supervisors, has grown to over 190 jurisdictions
representing some 140 countries. The IAIS has over 120
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 recognizes the important
contribution that strong supervisory regimes make which
II.4.4 The IAIS collaborates closely with other international

financial institutions; international associations of
supervisors; and regulators to participate in and contribute
to 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 inputs 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
70

of the IASBs Standards Advisory Council as well as the
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, 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 those 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 of the IAIS and by the Members
on the various Committees of the IAIS looking into
insurance contracts, accounting aspects, insurance laws,
reinsurance, financial conglomerates, solvency, frauds,
etc. Chairman, IRDA is also the Chairman of the
Implementation Committee of the IAIS. The details of
various Committees/Sub-committees on which IRDA is
represented are given in the Table below:
II.5 PUBLIC GRIEVANCES

Life Insurance
II.5.1 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, 2011, there were 254 complaints lodged
with the Authority pending resolution by life insurance
companies. During the year 2010-11, the Authority
received 9,656 complaints (2,449 in 2009-10), out of
which, 2588 related to LIC (606 in 2009-10) and 7,068
related to private sector insurers (1,843 in 2009-10).
TABLE II.10
COMMITTEES / SUB-COMMITTEES OF IAIS
- Implementation Committee
Sub-committees
Education Sub-committee
Standards Observance Sub-committee
Supervisory Cooperation Sub-committee
- Insurance Groups and Cross Sectoral Issues
Sub-committee
- Governance and Compliance Sub-committee
- Reinsurance & Other Forms of Risk Transfer
Sub-committee/Reinsurance Mutual Recognition
Sub-group
- Insurance Frauds Sub-committee
- Solvency Sub-committee
- Insurance Contracts Sub-committee
- Pension Coordination Group
- Market Conduct Sub-committee
- Micro Insurance Joint Working Group (CGAP)
II.5.2 During 2010-11, the insurance companies resolved

97.47 per cent of the complaints (86.41 per cent in
2009-10). While the private life insurers resolved 97.42
per cent of the complaints registered (88.4 per cent in
2009-10), LIC resolved 97.58 per cent of the complaints
(81.0 per cent in 2009-10) filed against them with the
Authority. As on 31st March, 2011, 254 complaints were
still pending with the insurance companies, out of which
188 pertained to the private sector and 66 to LIC.
TABLE II.11
STATUS OF GRIEVANCES : LIFE INSURERS
Insurer
Outstanding
as at
31.03.2010
Grievances
reported
during 2010-11
Grievances
resolved
during 2010-11
Outstanding
as at
31.03.2011
LIC
150
2588
2672
66
Private
245
7068
7125
188
TOTAL
395
9656
9797
254
71

TABLE II.12
BREAK-UP OF COMPLAINTS LODGED WITH THE GRIEVANCES CELL
(LIFE INSURANCE) DURING 2010-11
Sl. No. Nature of Complaints
No. of Complaints
In per cent
2301
23.83
Sales Related
Non-refund of Proposal Deposit
105
1.09
Non-receipt of policy bond
819
8.48
Free-look refund
508
5.26
Cancellation of policy
850
8.80
Error in policy schedule
94
0.97
Issue of duplicate policy
108
1.12
Adjustment of premium
166
1.72
Alterations in policy
212
2.20
10
Revival of lapsed policy records
258
2.67
11
Nominations/assignments of policies
116
1.20
12
Transfer of policy records
57
0.59
13
Non-receipt of Statement of account/Bonus
57
0.59
14
Partial withdrawal related
45
0.47
15
Non-payment of surrender value/claim/maturity

benefit/survival benefit/annuities
2096
21.71
16
Correct surrender value not paid
205
2.12
17
Penal interest not paid
107
1.11
18
Repudiation of claim
72
0.75
19
Health insurance related
41
0.42
20
NAV related
101
1.05
21
Others
1338
13.86
Total
9656
100.00
II.5.3 Analysis of the complaints lodged with the Life

Insurance Grievance Cell in 2010-11 has revealed that
the three major causes of grievances of the policyholders
are sales related (23.83 per cent), non-payment of
surrender value / claim / maturity benefit / survival benefit/
annuities (21.71 per cent) and cancellation of policy
(8.80 per cent).
public non-life insurance companies resolved 64.20

per cent of the complaints filed against them with the
Authority. As on 31st March, 2011, 1,429 complaints were
still pending with the insurance companies for resolution,
out of which 258 belonged to private sector and 1,171
pertained to public sector non-life insurance companies.
II.5.5 As on 31st March, 2011, a total of 1,429 complaints
were outstanding against non-life insurance companies.
Of the pending grievances, 22.56 per cent are policy
related issues, 51.08 per cent relate to non-settlement /
delay in settlement of complaints, and 23.23 per cent
relating to the repudiation / partial settlement of claims.
Non-Life Insurance
II.5.4 The non-life insurance companies resolved
75.49 per cent of the complaints outstanding and received
during the year. The private non-life insurance companies
resolved 89.91 per cent of the complaints registered and
72

TABLE II.13
STATUS OF GRIEVANCES - NON LIFE INSURERS DURING 2010-11
Insurer
Outstanding Grievances Grievances

as on
reported
resolved
31.03.2010
during
during
2010-11
2010-11
Public
427
2844
Private
129
2430
Total
556
5274
2100
(64.20)
2301
(89.91)
4401
(75.49)
Outstanding
as on
31.03.2011
Break-up of outstanding
grievances according to nature
B
C
D
1171
237
606
291
37
258
85
124
41
1429
332
(22.56)
730
(51.08)
332
(23.23)
45
(3.15)
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
II.6 INSURANCE ASSOCIATION AND INSURANCE

COUNCILS
II.6.3 The Human Resources and Administration (HR and

Admin) Committee met once during the year. Amongst
the various issues discussed by the Committee were,
the development of the base level Common Insurance
curriculum to meet the training needs of the agents - the
duration of the course could vary from one to several
month; and the importance of branding the life insurance
industry as a potential career opportunity. The Committee
also deliberated on various measures which could be
taken whereby the good practices of life companies could
be shared within the HR and Admin Committee members
of the Life Council.
LIFE INSURANCE COUNCIL

II.6.1 Life Insurance Council is a body set up under section
64C of the Insurance Act, 1938. All registered life insurers
are members of the Council and are represented on it by
their CEOs. There are two nominees from the IRDA, one
of whom is the Chairman of the Council. The Secretary
General functions as the chief executive of the Council.
During the financial year 2010-11 the Council met five
times. The Council has formed several standing Subcommittees. In addition, as and when needed specific
areas of work are taken up at meetings of working groups
constituted to discuss emerging issues from time to time.
In most Sub-committees, members choose a Chairman
from among themselves. 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 life insurance.
II.6.4 The Statistical Data Sub-committee met once during

the year. The Sub-committee reviewed the disclosure
regulations issued by the Authority against the
background of the data collected by the Life Council. The
Sub-committee decided that the following additional set
of data should be provided to the Council on a monthly
basis:
The details of the various activities taken up by the Life

Insurance Council during 2010-11 are indicated below:
II.6.2 The Sub-committee of Chief Financial Officers
(CFOs) met twice during the year. Their meetings were
focussed on various issues relating to Service Tax
amendments, Goods and Services Tax (GST), pre and
post budget 2011 memorandum, etc. However the core
group of Chief Financial Officers (CFO) Sub-committee
met frequently to discuss the representation on GST for
the life insurance industry. The Committee actively
engaged with Ernst and Young (E&Y) for finalising
industry representation on Goods and Services Tax
(GST).
Death Claim in numbers, since amount is already

being provided to Council.
Surrender payments made by insurance company

separately for both traditional and ULIP policies.
Details of business procured distribution channel

wise both for Individual and Group business
number of policies and amount.
II.6.5 The Legal and Compliance Sub-committee met

twice during 2010-11. Several important issues were
raised, deliberated and recommendations were made by
the Committee on topics like Distance Marketing, Key
Features document, etc. The Committee made a
representation to Telecom Regulatory Authority of India
73

(TRAI) on their recent customer preference regulations
affecting insurance industry. The Committee also made
recommendations to the IRDA Committee on fines /
penalties / nomination / assignment etc.
other Senior Executives of the member-companies from

time to time. The activities of these forums will be taken
forward to enhance camaraderie and rapport amongst
the executives of non-life insurers with the broad
objectives of enhancing customer service standards,
maintaining market discipline and healthy development
of the non-life insurance market in the country.
II.6.6 The Life Insurance Awareness Sub-committee

organised two press meets in June 2010 at Kolkata and
in December 2010 at Kochi to create awareness about
the importance of life insurance. These proved to be
successful events with coverage through both print and
electronic media in tier II cities.
II.6.14 Besides the above-mentioned activities, the

Secretary General represented the non-life insurance
industry in the conferences / seminars / meetings of
various forums like FICCI, BCCI, CII, ASSOCHAM, Press
meets and other public initiatives in different cities as
well as on the various Committees constituted by IRDA.
II.6.7 During the year, the Life Council had formed a core
group to discuss issues related to the development of
the Prospect Product Matrix. A detailed paper was
prepared by the group of actuaries formed by Life Council
and it was submitted to IRDA.
II.6.15 The Secretary General also represented the

Industrys view point and opinions on various matters
referred to by different Ministries like Ministry of Finance
(Insurance Division), Ministry of Transport and Ministry
of Finance (Revenue Division) and Central Board of Direct
Taxes (CBDT) officials.
II.6.8 The Life Council held a series of meetings on the

GST roadmap for the life insurance industry during the
period 2010-11. The Life Council also actively engaged
with E&Y and finalised the representation on the
suggested model of GST for life insurance industry.
II.6.16 The Council continued with its efforts to pursue

various projects for the benefit of the Industry and its
customers. Acting as the one-point contact for various
institutions and trade bodies, it deliberated over the
matters referred to it by IRDA, member companies and
others, and acted upon the various resolutions.
II.6.9 The Life Council had formed a core group to discuss

on issues related to Mutual Funds. The core group had a
series of meetings with Infotech to discuss and resolve
issues relating to the mutual fund software.
II.6.10 The Life Council also formed a core group to
discuss on issues related to Crisil bond valuation tool.
The core group actively engaged with Crisil and a uniform
tariff rate has been negotiated with Crisil for all life
insurers.
II.6.17 Motor and Health Insurance portfolios continued

to engage the Industrys attention in terms of meeting
customers expectations, growth, profitability and
supporting regulatory initiatives.
II.6.11 The Councils website continued to provide

statistical data, latest news and other information on the
insurance industry. The quarterly statistical data has been
appreciated by both the media and the industry. The
number of hits from different geographies national and
international increased significantly after upgrading its
design and interlinking it with websites of IRDA, insurance
Ombudsmen and all life insurers. A feedback/query/
grievance forwarding mechanism was modified and
continued to be managed by the Secretariat of the
Council.
II.6.18 Health
The contentious issue of portability has been

debated time and again. The Council has come to
a consensus that portability is feasible, i.e. the
benefit of Pre-Existing Disease (PED) condition /
exclusion and waiting period would be available to
the porting Insured, subject to the new insurers
underwriting as per File & Use guidelines. The finer
procedural details were being worked out by IRDA
in consultation with member companies.
GENERAL INSURANCE COUNCIL
In the context of following references, from Ministry

through the IRDA, after adequate deliberations it
was concluded that each company could examine
at their end and decide the best coverage that they
can offer for:
II.6.12 During the year 2010-11 with the induction of

L&T General Insurance Co. Ltd, the membership of
Council increased to 24. There were six meetings of the
Executive Committee of the Council in 2010-11.
II.6.13 In addition, the Council organized meetings of
Underwriting Heads of various Departments, CFOs, and
74
Non-allopathic treatment of illnesses; and
Physically challenged persons.
Issues relating to coverage for mass schemes of

the Government and its resultant effect on the
method of calculating solvency ratio were
represented to the IRDA and were favorably
resolved.
Clauses (ITC) and has received the approval from

IRDA for the revised clauses.
Health Insurance schemes floated by various

Governments and others, inviting bids from TPAs
for servicing such schemes without the intervention
of Insurance Companies were pointed out to the
IRDA. The issue has since been examined and
resolved as per the Industrys request.
Based on the advice of Supreme Court, the Council

has taken up the exercise to revise the subrogation
letter used in Marine claims.
II.6.22 Property
Service Tax on cashless payments to hospitals was

resolved.
Issues pertaining to Terrorism Pool, like maximum

utilization of pool capacity were discussed and a
consensus developed in the Council.
The Underwriters have been meeting to discuss

issues of common interest in property business.
II.6.19 Motor
II.6.23 Accounts & Taxation
The negotiations with various Transporters

Association were finally concluded and a revision
in the Motor TP premium for all vehicles was notified
by the IRDA with effect from 25th April, 2011.
Industrys views and comments on the Direct Tax

Code (DTC) were represented to the Government,
the Standing Committee on Finance and the CBDT.
Request for 30 days to update the Registration

Number of the vehicles on the data base was made
to the IRDA.
Representation related to TDS on reinsurance

premium was made to the Finance Ministry and Tax
authorities.
Industrys comments on the Sunder Committee

Report pertaining to Amendments to the Motor
Vehicles Act were conveyed to both IRDA and the
Ministry.
Financial Condition Reporting was implemented as

per IRDA guidelines.
Representations related to Section 40C of the

Insurance Act,1938 read with Rule 17E of the
Insurance Rules,1939 were made to the IRDA from
time to time.
Issues arising out of existing methodology for

calculation of Solvency Ratio were conveyed to
IRDA for consideration.
II.6.20 Indian Motor Third Party Insurance Pool

(IMTPIP)
The Councils request for retaining the Pool funds

at each companys end was agreed to by the IRDA.
The funds accumulated by the Pool Administrator
were also transferred back to the respective
company.
II.6.24 General
The Industrys views on the following have been
communicated to the IRDA:
The recommendations of the Accounts and Taxation

Committee were examined and responded to by
IRDA in June 2011.
II.6.21 Marine
Issue of liability cover for fare and non-fare paying

passengers in Inland vessels was deliberated in the
Council and it was decided that only limited liability
cover could be granted; as was the international
practice.
Integrated Grievance Management System
Incorporation of Unique Identification Number in

General Insurance policies
Exposure draft on Outsourcing Activities.
The Insurance Information Bureau (IIB) developed in

collaboration with IRDA went live with online data upload
and line of business wise report generation capabilities
being granted to Member Companies.
Following revision in Institute Cargo Clauses (ICC),

the Industry took up revision of Institute Trade
75

II.6.25 Marketing
Industrys views on the guidelines for distance

marketing were conveyed to IRDA.
At the suggestion of companies and request by

Insurance Institute of India (III), a Committee of
Officers added 450 questions to the agents
examination database.
pertained to life insurers, the remaining 10,048

(48 per cent) related to non-life insurers. This was in
addition to 2,269 complaints pending with various offices
of Ombudsmen as at the end of March 2010. The offices
of Ombudsmen have handled a total of 23,334 cases
during 2010-11.
II.7.2 During 2010-11, the Ombudsmen have disposed
of 17,239 complaints. Of these complaints, Ombudsmen
declared seventy one per cent of the complaints
as Non-Acceptable/Not-Entertainable. Awards/
Recommendations were issued only for fifteen per cent
of total complaints. Other than this, seven per cent of the
complaints were withdrawn, while another seven per cent
of the complaints were dismissed.
Views on revision of Syllabus for the Agents Exam

were also conveyed to the IRDA.
II.7 FUNCTIONING OF OMBUDSMEN

II.7.1 During 2010-11, the twelve Ombudsmen centres
spread across India have received a total of 21,065
complaints. While 11,017 complaints (52 per cent)
II.7.3 At the end of March 2011, 6,095 cases are still

pending with Ombudsmen for adjudication.
TABLE II.14
DISPOSAL OF COMPLAINTS BY OMBUDSMEN DURING 2010-11
Insurer
Life
Complaints Complaints
O/S as on
received
31.03.2010
during
2010-11
Total
Complaints
disposed
during
2010-11
No. of complaints disposed

by way of
(I)
(II)
(III)
Complaints
O/S as on
31.03.2011
(IV)
888
11017
11905
9551
846
(8.86)
586
(6.14)
627
(6.56)
7492
(78.44)
2354
Non-life
1381
10048
11429
7688
1717
(22.33)
681
(8.86)
568
(7.39)
4722
(61.42)
3741
Combined
2269
21065
23334
17239
2563
(14.87)
1267
(7.35)
1195
(6.93)
12214
(70.86)
6095
Note: O/S - Outstanding

(I) Recommendations / Awards
(III) Dismissal
(II) Withdrawal / Settlement
(IV) Non-acceptance / Not-entertainable
Figure in brackets indicates percentages to the respective complaints disposed.
76
PART III
STATUTORY AND DEVELOPMENTAL FUNCTIONS OF THE AUTHORITY
Section 14 of the IRDA Act, 1999 (IRDA Act) lays down
the duties of the Authority to regulate, promote and ensure
orderly growth of the insurance business and reinsurance
business. Sub-section (2) of the said section lays down
the powers and functions of the Authority. Chapter III of
the Annual Report covers the activities of the Authority
in 2010-11 while carrying out its functions and exercising
the powers conferred on it.
financial year 2011-12, the Authority granted certificate

of registration to Edelweiss Tokio 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 24. The
number of general insurers too stands at 24 as on
30th September, 2011. 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 (including the reinsurer) have been renewed
in terms of Section 3A of the Insurance Act, 1938.
III.1 Issue to the applicant a certificate of registration,

renew, modify, withdraw, suspend or cancel such
registration
III.1.2 During 2010-11, the Authority levied penalty on

eight general insurance companies, five life insurance
companies, one reinsurer and a commercial bank
(corporate agent) for non-compliance with various
regulatory stipulations.
III.1.1 During 2010-11, the Authority granted certificate

of registration to L & T General Insurance Co. Ltd. to
underwrite general insurance business. During the current
TABLE III.1
PENALTIES LEVIED BY THE AUTHORITY (1st APRIL, 2010 TO 31st MARCH, 2011)
Sl. Name of Insurance Company/ Amount of Date of
No. Corporate Agent
Penalty
Penalty
Brief Particulars of the

violation committed
th
Cholamandalam General
`5 lakh
20 July, 2010
SBI Life
`10 lakh
11 August, 2010
TATA AIG General
`5 lakh
23 August, 2010
National Insurance
`10 lakh
26 August, 2010
General Insurance Corporation
`5 lakh
14 September, 2010
United India
`5 lakh
16 September, 2010
IFFCO Tokio General
`5 lakh
23 September, 2010 Failure to comply with File and Use

guidelines
Oriental Insurance
`5 lakh
23 September, 2010 Failure to comply with File and Use

guidelines
th
rd
th
th
th
Failure to comply with File

and Use guidelines
Failure to comply with File
and Use guidelines
Failure to comply with its obligations
towards social sector for the year 2006-07
Failure to comply with File and Use
guidelines as well as non-compliance of
Section 3(2) of IRDA (General Insurance
Reinsurance) Regulations, 2000
Failure to comply with the investment
regulations
guidelines
rd
rd
77

th
Bharti Axa Life
`10 lakh
27 September, 2010
10
Bharti Axa General
`10 lakh
27 September, 2010
11
Reliance Life
`10 lakh
29 October, 2010
12
TATA AIG Life
`5 lakh
14 December, 2010
13
Cholamandalam General
`5 lakh
23 February, 2011
14
Central Bank of India
`5 lakh
24 February, 2011
15
Bajaj Allianz Life
`10 lakh
18 March, 2011
th
th
th
rd
th
th
III.2 Protection of the interests of policyholders in

matters concerning assigning of policy, nomination
by policyholders, insurable interest, settlement of
insurance claim, surrender value of policy and other
terms and conditions of contracts of insurance
Violation of stipulation under regulation

2(g) (i) of IRDA (Registration of Indian
Insurance Companies) Regulations, 2000
Violation of stipulation under regulation
2(g) (i) of IRDA (Registration of Indian
Insurance Companies) Regulations, 2000
Failure to comply with File and use
guidelines as well as violation of Referral
Circular dated 14th February, 2003
Failure to comply with Section 40B of the
Insurance Act, 1938, read with Rule 17D
of Insurance Rules, 1939 for the financial
year 2009-10
Failure to comply with the provision of
guidelines on licensing of corporate
agents
Failure to comply with the guidelines on
licensing of corporate agents and violation
of Regulation 10(I)(vi)(ii) of IRDA
(Insurance Advertisement and Disclosure)
Regulations, 2000
guidelines as well as violation of ULIP
guidelines
III.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.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. Time frames 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.
III.3.2 The Authority has issued Guidelines on

Qualifications of Corporate Insurance Executives and
Faculty of Agents Training Institutes (ATIs) vide circular
no. IRDA/ AGENTS/ ORD/17 /JULY 2009 dated 3rd July,
2009. The Authority has also issued Guidelines on
licensing of corporate agents vide circular no.017/IRDA/
Circular/CA Guidelines/2005 dated 14th July, 2005.
78

III.4 Specifying the code of conduct for surveyors
and loss assessors
III.3.3 During the period under reference, the Authority

issued circulars and made amendments to the regulations
as indicated below:
IRDA (Licensing of Corporate Agents) (Amendment)

Regulations, 2010 to incorporate penal provisions
for non compliance of regulatory framework
prescribed for corporate agents.
IRDA (Sharing of Database for Distribution of

Insurance Products) Regulations, 2010 to
streamline the tie-ups between insurers and referral
companies. The Regulations also prescribe ceilings
on remuneration payable to referral entities and lays
down the framework under which the referral entities
and insurers have to conduct insurance business.
Circular no. IRDA/CAGTS/CIR/LCE/092/06/2010

dated 7th June, 2010 to streamline the procedure
for Transfer of Corporate Agents from one Insurer
to another insurer.
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 the 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 shall:
Circular no. IRDA/CAGTS/CIR/LCE/093/2010 on

Inspection of Corporate Agents by Insurers.
Issued standard instructions and guidelines vide
circular dated 14 th May, 2010, applicable for
approval/Renewal of on-line Agents Training
Institutes (Portals) approved/to be approved by the
Authority.
Order no. IRDA/AGTS/ORD/TRNG/109/07/2010
issuing instructions that at examination centers, the
pre-recruitment examination for insurance agents
are to be conducted in online mode after 31st March,
2011. The Authority also constituted a Committee
to recommend on the examination fee to be charged
from the candidates appearing in pre-recruitment
examination for Insurance Agents and to finalize
arrangements between Insurance Institute of India
(III) and NSE-IT for conducting the said prerecruitment examination.
not accept or perform work which he is not

competent to undertake, unless he obtains some
advice and assitance, as will enable him to carry
out the work competently
carry out his professional work with due diligence,

care and skill and with proper regard to technical
and professional practice
at all times maintain proper record of work done by

him and comply with all the relevant laws
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
maintain a register of survey work as provided for
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
Issued Circular IRDA/CAGTS/GTL/LCE/106/06/

2010 dated 28 th June, 2010 laying down the
procedure for issue/renewal of corporate agency
licenses.
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
Issued guidelines vide Circular no. IRDA /CAGTS/

CIR/LCE /039/03/2010 dated 2nd March, 2010 to deal
with applications received for corporate agency
license from persons belonging to groups which
are already engaged as corporate agents/brokers.
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.
79

III.4.2 The IRDA, as mandated by the Government of
India, has promoted the establishment of the Indian
Institute of Insurance Surveyors and Loss Assessors
(IIISLA) in order to promote professionalism amongst
surveyors as part of further reforms in the insurance
sector.
III.6.2 The Authority has also recognized 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, Authority on 15 th October, 2009 has
constituted Insurance Information Bureau in the form of
an advisory board to obtain process and disseminate the
data of insurers.
III.4.3 The Authoritys issued the following Circulars in

2010-11:
IRDAs letter dated 5 th August, 2010 has

communicated its decision on various issues
pertaining to licensed surveyors namely upgradation
of Category, Removal of restriction in departments
allotted to licensed surveyors, Training and
examination requirements for upgradation of
category allotted to surveyors.
IRDA circular dated 27 th August, 2010 on

appointment of surveyors and loss assessors for
such category of business only as specified in the
license.
IRDAs Order dated 20 th September, 2011 on

Constitution of Committee of Surveyors and Loss
Assessors.
III.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. Registration fee
of `50,000 is charged at the time of granting of registration
certificate to insurance companies. The renewal of
registration fees for insurance companies stands at higher
of (a) fifty thousand rupees for each class of insurance
business, and (b) one-tenth of one per cent of total gross
premium written direct by an insurer in India during the
financial year preceding the year in which the application
for renewal of certificate is required to be made, or rupees
five crore, whichever is less. 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) Regulation, 2000, issued in February 2003
after obtaining the approval of Insurance Advisory
Council. There has been no revision in these charges
post the amendments in February 2003.
III.5 Promoting efficiency in the conduct of insurance

business
III.5.1 The Authority took further initiatives to enhance
efficiency in the conduct of insurance business.
III.5.2 The Authority has developed a new system namely,
Stolen Vehicles Recovery Information System (SVRIS)
in order to assist the police in identifying the insurer of
stolen and subsequently recovered vehicles. Further, the
development of software for SMS-based Vehicle
Insurance Status information System has also been
completed and the software is expected to be made
operational soon.
III.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.8.1 The financial year 2010-11 was the eleventh year
of operations of insurance companies, post opening up
the sector. Effective financial year 2010-11, the Authority
has started conducting comprehensive onsite inspection.
During the year 2010-11, nine life and ten non-life
insurance companies were inspected comprehensively.
In addition, inspection of 14 Intermediaries/Brokers/
Corporate Agents and 5 TPAs were carried out. The
Authority also carried out inspections for specific
purposes like adequacy of reserves, investment
operations, etc. As undertaken in the previous report,
the Inspection Department has been strengthened with
increased supervisory resources paving the way for
III.6 Promoting and regulating professional

organisations connected with the 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 view points 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 (IBAI).
80

increasing supervisory intensity aiming at inspection of
all the companies which were not inspected previously
and as also the companies which are perceived to be
weak by the measures of capital adequacy, risk
management, governance and premium size.
enhance the coverage. 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. During 2009-10
and 2010-11, about 250 add-on covers were approved
by the Authority in different classes of insurance.
III.9 Control and regulation of rates, advantages,

terms and conditions that may be offered by insurers
in respect of general insurance business not so
controlled and regulated by the Tariff Advisory
Committee under section 64U of the Insurance Act,
1938 (4 of 1938)
III.10 Specifying the form and manner in which books

of accounts shall be maintained and statements of
accounts shall be rendered by Insurers and other
insurance intermediaries
III.10.1 The 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 domains. The disclosures in the public
domain include those on the respective websites of
insurance companies, and in the newspapers on periodic
basis.
III.9.1 With de-tariffing of non-life industry w.e.f.

1st January, 2007, for all classes of tariff business except
motor third party cover, the ball was set rolling for freedom
to the insurance companies in pricing of the products.
For motor third party cover, which is a statutory insurance
cover required under the provisions of Motor Vehicles
Act, 1988, the Authority has retained the powers to
determine the rates, terms and conditions.
III.10.2 All insurers are required to comply with the

stipulations on disclosures on quarterly and annual basis,
effective 2009-10. While moving towards certification
based confirmation of compliance, the Authority has
advised all insurers to file certificate of compliance within
60 days from the end of the respective quarter.
III.9.2 To ensure that the third party motor insurance (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 risks. The pool is
managed by the General Insurance Corporation for a
prescribed fee. The revised premium rates for third party
motor insurance cover were notified by the Authority on
15th April, 2011 and the new rates have come into
existence w.e.f. 21st April, 2011.
III.10.3 Further strengthening on the framework for

protection of policyholders interests and enhancing
disclosure requirements in the financial statements, the
Authority has issued a circular mandating the insurers
not to write-off unclaimed sums pertaining to the
policyholders and has also provided a separate line item
under Schedule 13 for disclosure. In addition to the above,
the age-wise break-up of the same is also required to be
provided in the Notes to the Accounts forming part of the
financial statements.
III.9.3 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.
III.10.4 Rule 17E of the Insurance Rules, 1939 lays down

the manner of computation of allowable expenses of
management with respect to non-life insurance
companies. The details of such expenses are required
to be reported to the Authority. In order to bring uniformity
in the reporting, Authority has defined certain terms used
for computation of allowable expenses and has also
specified the format for reporting on an annual basis. It
would be recalled that similar reporting format is already
in place for life insurance companies.
III.9.4 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 to
III.10.5 All public sector non-life Insurers implemented

pay revision in the year 2010-11. In addition, Government
of India has also increased the maximum ceiling of the
gratuity under the Payment of Gratuity Act, 1972. Based
81

upon the representation received from the Industry, the
Authority allowed the insurers to amortize the increase
in liability on account of gratuity over a period of five years
provided a proper disclosure to this effect is made in the
notes to accounts.
Disclosures on Equity holding:

III.10.9 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 (CG):
III.11 Regulating investment of funds by insurance

companies
III.10.6 The Guidelines on Corporate Governance for

the Insurance Sector have made effective for the
insurance sector from the financial year 2009-10. The
Guidelines mandate constitution of various Subcommittees of the Board, their composition and roles and
responsibilities. The CG Guidelines also recommend that
the insurers put in place the whistle blowing policy at
their offices. Additional disclosures have also been
stipulated under the Corporate Governance Guidelines.
Briefly, the disclosure requirements are indicated below:
Number of the 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 specialization, status of
directorship held; etc.
Number of the meetings attended by the Directors

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

independent directors
III.11.1 The Authority made significant changes in the

regulations on investment of funds by insurance
companies under the IRDA (Investment) Regulations in
the previous year 2009-10. There were no changes in
the same in the year 2010-11.
III.12 Regulating maintenance of margin of solvency
III.12.1 As per the Section 64 VA of the Insurance
Act, 1938 every insurer is required to maintain a required
Solvency Margin. The Authority reviews the solvency
margin requirement for different lines of business
periodically and makes changes, wherever required. It
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 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 since then.
III.10.7 With a view to monitoring compliance with the

Corporate Governance Guidelines, the Authority has
effective 2010-11, introduced filing of compliance
checklist by the insurers at the end of each financial year.
III.12.2 In case of non-life insurance, the Authority has

made changes in the calculation of Required Solvency
Margin (RSM), which shall be the maximum of the fifty
crore of rupees (one hundred crore of rupees in the case
of reinsurer); or higher of RSM-1 and RSM-2 computed.
The RSM-1 is the Required Solvency Margin based on
net premiums, and shall be determined as twenty per
cent of the amount which is higher of the Gross Premiums
multiplied by a Factor and the Net Premiums. For the
purpose of calculation of RSM-1, premium of the last 12
months on rolling basis will be taken into account. The
RSM-2 is the Required Solvency Margin based on net
incurred claims, and shall be determined as thirty per
cent of the amount which is the higher of the Gross
Incurred Claims multiplied by a Factor and the Net
Incurred claims.
Disclosures on payouts to intermediaries

III.10.8 Insurance legislation under section 31B(1)
empowers the Authority to restrict excessive
remuneration by insurance companies to any person
whether by way of commission or otherwise. In order to
monitor the same IRDA, under Circular reference IRDA/
F&I/CIR/Data/091/06/2010 dated 2nd June, 2010, advised
all insurance companies to submit details of various
payments to intermediaries on an annual basis. Similar
details under Bancassurance channel are called on a
half-yearly basis. Details so received are subject to
compliance checks with various stipulations of caps on
payments. Non-compliances noticed in such verifications
are under examination for suitable action.
82

III.12.3 In order to promote Health insurance business
and keeping in mind the short term tail of the Health
insurance business, the Authority permitted the following
relaxations as regards computation of solvency by the
general insurers for their Health insurance business
granted both parties an opportunity of being heard on

5th March, 2010. The written submissions pursuant to the
hearing have been submitted by the parties and the matter
is under examination.
Megatop Insurance Broking Ltd. vs Agriculture
Insurance Company of India Ltd.
Relaxed the requirement of Section 64(1)(ii)(b) of

the Insurance Act,1938 for computation of Reserve
for Unexpired Risk or Health segment for three years
i.e., up to 2012-13.This relaxation was initially
introduced in 2008-09.
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 License of MIBL
and initiated enquiry proceedings against it. The enquiry
was completed and a copy of the report forwarded to the
broking company and to the complainant for their
comments. The enquiry report and reply of both parties
is under examination.
Relaxed the provisions of Regulation 2 (1)((a) of

IRDA (Assets, Liabilities and Solvency Margin of
Insurers) Regulations, 2000 as regards the
admissibility of assets in the specific context of
government receivables subject to a maximum
period of 180 days.
III.12.4 In order to bring uniformity in the manner of

calculation of Solvency Margin in respect of Motor TP
Pool, the Authority issued a clarification that Gross
Premium in respect of Motor TP Pool will be defined as
retrocession received from Motor TP Pool and Gross
Incurred claim will be taken as incurred claim of
Retroceded Business.
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 conducted an investigation on the complaint
received from the insurer. Upon considering the
investigation report and the explanation furnished by the
broker, the Authority has issued a show cause notice
and granted an opportunity of personal hearing to the
insurance broker. The matter is under examination.
III.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.
III.14 Supervising the functioning of the Tariff

Advisory Committee (TAC)
III.14.1 After the de-tariffing of general insurance
business w.e.f. 1st January, 2007 the regulatory and
administrative role of the Tariff Advisory Committee in
controlling rates, terms and conditions in non-life
insurance sphere is no longer in existence. In order to
settle employee related issues promptly, it was necessary
that a quick and neat decision was taken by the Central
Government and the Authority in redeploying the staff.
The Central Government therefore constituted a
Committee for distribution of existing employees of TAC,
employees liabilities and surplus among the general
insurance companies; and any other residual function.
The order of the Central Government assigned the task
of residual activities and court cases of Tariff Advisory
Committee to the IRDA.
III.13.2 The Authority in exercise of its power under

section 14(m) of IRDA Act, 1999 initiated adjudication of
the following disputes between the Insurers and Insurance
Brokers:
PRMAN Reinsurance Brokers Pvt. Ltd. vs The
Oriental Insurance Co Ltd.
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
83

III.16.2 Rural sector
III.14.2 As per section 64UB (5) of the Insurance Act,

1938 Chairman, IRDA is in direct charge of the
establishment of the Tariff Advisory Committee. As per
section 64UH (1) of the Insurance Act, 1938 the conditions
of service of the employees of the Tariff Advisory
Committee can be altered by it. Therefore, in exercise of
the powers vested under section 14(2)( n) of the IRDA
Act, 1999, section 64UB (5) and 64UH (1) of the Insurance
Act, 1938 and Central Government Order dated
10th February, 2011, the Authority issued Orders for
redeployment on absorption basis, all the existing
employees of Tariff Advisory Committee amongst New
India Assurance Company Limited, United India
Insurance Company Limited, National Insurance
Company Limited, Oriental Insurance Company Limited,
General Insurance Corporation Limited and IRDA. The
allocation of officers and staff of the Tariff Advisory
Committee to different organisations has been decided
in principle.
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 onwards.
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.16.3 Social Sector

In respect of all insurers commencing from five thousand
lives from the first financial year to fifty five thousand lives
from the tenth financial year onwards.
In respect of the existing insurers as on the date of
commencement of IRDA Act, 1999 (four non-life insurers
and LIC), as indicated above, 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 31st
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 were as under:
III.15 Specifying the percentage of 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)
III.16 Specifying the percentage of life insurance

business and general insurance business to be
undertaken by the Insurers in the rural and social
sector
(a) Rural Sector Obligations:
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 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 has been laid down. Simultaneously, the
obligations of the public sector insurers were also
revisited. The obligations of the private insurers are as
under:
Financial year 2007-08: twenty four per cent; and
Financial years 2008-09 and 2009-10: twenty five

per cent
of the total policies written direct in that year.

The obligations applicable for 2009-10, are also
applicable for all financial years thereafter.
(b) Social Sector Obligations
Twenty lakh lives should be covered for the years 200708 to 2009-10.
84

III.16.5 Non-life insurers:

III.16.6 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:
(b) Social Sector Obligations
no rural or social sector obligations shall be

applicable for the said period; and
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.
(a)
Financial year 2007-08: six per cent
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.
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.
The obligations of the insurers underwent 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 Exercising such other powers as may be

prescribed

III.17.1 The Central Government did not prescribe any

powers to the Authority and consequently Authority did
not exercise any powers.
85
86
PART IV
ORGANISATIONAL MATTERS
IV.1 Organisation
functioning of IIRM is overseen by the Board of Directors

headed by the Chairman, IRDA.
IV.1.1 During the year 2010-11, IRDA forged ahead

towards the tasks before it under the guidance and
chairmanship of Shri J Hari Narayan. The year saw
Shri K K Srinivasan, Member (Non-life) demit office after
completion of his tenure on 4 th September, 2010.
Shri M Ramaprasad joined the Authority as Member
(Non-life) on 11th October, 2010. Prior to joining the
Authority as Member, Shri M Ramaprasad was serving
as General Manager in General Insurance Corporation
of India. Dr R Kannan, Shri G Prabhakara and
Shri R K Nair continued as whole time Members of IRDA
during the year.
IV.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 2010-11 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 G Ramaswamy, President, Institute of

Chartered Accountants of India, became part-time
Member with effect from 6 th February, 2011.
Prof V K Gupta, Director, Management Development
Institute, Gurgaon, has been inducted as part-time
Member in place of Shri Vijay Mahajan, Chairman, BASIX
Group. Smt Ela R Bhatt, Founder of Self Employed
Womens Association (SEWA) and Smt L M Vas,
Additional Secretary, Ministry of Finance continued to
be part-time Members of IRDA.
IV.5 Research & Development

IV.5.1 Consequent upon the publication of first edition of
the Handbook on Indian Insurance in 2008, the Research
& Development Department continued to extend the
coverage of this publication in order to meet the increasing
needs of various stakeholders in the industry. The 3rd
edition of the Handbook was published in February 2011,
which incorporated many new time-series data sets. It
widened the coverage by incorporating statistics on
individual and corporate agents, channel-wise new
business and state-wise life insurance statistics of number
of offices and business in the life segment. In addition,
data on assets under management and status of
grievances redressed were included in the Handbook for
both life and non-life segments. Further enhancing on
the data series, financial performance of specialised
institutions, i.e., General Insurance Corporation,
Agriculture Insurance Company, Export Credit Guarantee
Corporation and health insurers were also added in the
Handbook. The Department continues to strive at
improving the coverage and content of the Handbook in
its 4th edition, which is likely to be released in January
2012. The Department continues to be the nodal point
for the compilation of the Annual Report of the Authority.
IV.1.3 Shri Amarjit Chopra was part-time Member from

11th February, 2010 to 5th February, 2011. Shri Vijay
Mahajan, Chairman, BASIX Group was part-time Member
from 7th October, 2005 to 6th October, 2010.
IV.2 Meetings of the Authority
IV.2.1 Five meetings of the Authority were held during
the financial year 2010-11. IRDA also held two meetings
of the Insurance Advisory Committee (IAC) during the
year under review.
IV.3 Human Resources
IV.3.1 The Authority reviews regularly the capacity
available and the need for additional resources from time
to time. In the process, the Authority has recruited 4
Assistant Directors during the year 2010-11 and has
notified recruitment drive in different levels of Assistant
Director, Deputy Director, Joint Director and Senior Joint
Director.
IV.5.2 The Ministry of Statistics & Programme

Implementation, as part of its various initiatives,
constituted a Steering Committee to identify sectors of
importance on which Manuals on various sector specific
IV.3.2 The Authority, in conjunction with Government of

Andhra Pradesh, has set up the Institute of Insurance
and Risk Management (IIRM) at Hyderabad in 2002. The
87

during the year 2010-11. The status of these initiatives
is as follows:
statistical indicators could be prepared. The Steering

Committee identified Insurance as one of the critically
important sectors for the said purpose. In this backdrop,
the Authority has constituted a Committee for the
compilation of Manual on Insurance Statistics. The
Committee also consists of expert members drawn from
academics and insurance companies apart from the IRDA
officials. The manual on Insurance Statistics is likely to
cover all the relevant aspects of the statistics collected
by the IRDA as also other concerned agencies with regard
to insurance and allied topics. The first meeting of the
Committee was convened in March 2011 to discuss the
modalities of Manual compilation.
Business Analytics Solutions (BAS)

IV.6.2 In order to have better regulation and supervision
through automation and business analytics, the Authority
has initiated the process of development of Business
Analytics System.
The following are the broad objectives of the proposed
system:
IV.5.3 The Technical Advisory Committee under Ministry

of Statistics and Programme Implementation (MOSPI)
recommended the constitution of a Sub-committee for
the compilation of an Index of Services Production (ISP)
in India in respect of the insurance sector. The Authority
has taken up the initiative to develop the methodology
for the compilation, which would facilitate the
Sub-committee to construct the desired Index. The
Sub-committee is expected to examine and identify the
potential data source and liaise for regular availability of
data for ISP compilation. The Sub-committee will also
examine various issues relating to the coverage, selection
of base year, weighting criteria, identification of variables,
deflators, etc. of the index. The R&D Department is
examining the existing common practices and
international developments in the area of compilation of
the ISP for insurance sector, which would serve as a
basis for constructing the Index for Indian Insurance
sector.
Efficient management of data and information

received from insurers and intermediaries received
in the form of financial statements, investment
schedules, actuarial reports, reports on reinsurance, etc.
Designing and developing uniform & standard

formats for submission of returns, statements and
reports by the insurers/intermediaries.
Introduce a system of on-line filing of returns, reports

and statements by insurers/ intermediaries.
Enhance the efficiency of IRDA in the preparation

of monthly, quarterly & annual (including any other
periodicity) Business Analytics Reports and their
publications involving
IV.5.4 The R&D Department actively participated in

various conferences/seminars and presented papers on
insurance related topics. The Department also provided
statistical support to various departments of the Authority
and was also involved in various studies, eg.
Bancassurance Model, Early Warning System, etc.
Automated extraction of information
Collaboration
Content Management
Design and implement Business Analytics System

(BAS) for
Effective supervision & regulation including

compliance
Monitoring trends of the insurance industry
Risk based assessment of functioning of

Insurers
IV.6 Status of Information Technology of IRDA
Providing Early Warning Signals
IV.6.1 Implementing robust IT systems and facilitating

the operational departments with appropriate analytical /
reporting tools is one of the key focus areas of the
Authority in order to establish an effective monitoring
mechanism. Such implementation would enable the
officials of the Authority to spend their quality time in
analyzing the data. Further, developing customer centric
applications like product comparators, integrated
grievance management system etc. will help policyholder/
prospective policy holders to address their needs in terms
of tools for selecting right insurance products, centralised
system for filing their grievances etc. Keeping in view of
the above, the Authority has taken many IT initiatives
Initiating corrective action
Triggering on-site inspection
Establish a system for archival of old data,

information & documents.
The Phase-I activities of the project relating to

requirements of gathering, Gap Analysis, preparation of
TO-BE report, Functional Requirement Specifications
(FRS) document, Preparation of Request For Proposal
(RFP), Finalisation of and Tendering etc., were carried
out during the year 2009-10 and the process of selection
of implementing agency for the Business Analytics
88

The functioning of SVRIS is as under:
System has since been completed. The phase-II activities

i.e., design and implementation of the Business Analytics
Solution have been commenced with the selected
implementing agency.
Implementation of Enterprise Resource Planning
System (ERPS)
IV.6.3 During the year 2009-10, it was envisaged by the
Authority to automate the functions of Administration
Department through robust ERP software. The process
of selection of implementing agency was completed after
following due tendering process. A formal agreement was
signed with the selected implementing agency and the
design/development work has since been completed. The
Authority is now in the process of implementing the
system.
Integrated Grievances Management System (IGMS)
Any police station which has recovered a stolen

vehicle, and is trying to find the insurer of the vehicle,
can contact IIB call centre through the toll free
number 1800 425 4734 (short code 155266).
IIB will collect basic information like Engine number,

Chassis Number etc., from the reporting officer for
locating the insurer of the vehicle in IIBs database.
Acknowledgement will be sent to the email id

provided by the reporting officer.
The vehicle details will be searched in IIBs

database. On locating the vehicle details, the insurer
will be sent an email informing about the recovery
of the vehicle and police station where the vehicle
is lying. This will enable the insurer to approach the
police station for further action.
IV.6.7 The police stations can also send the details about
the stolen vehicle through email, which will also be
processed as mentioned above.
IV.6.4 IGMS is a comprehensive solution which not only

has the ability to provide a centralized and online access
to the policyholder but also complete access and control
to IRDA for monitoring grievance disposal by insurance
companies. IGMS also enables detailed analyses to the
operational department that would help them to identify
issues of concern for the policyholder. IGMS also has
the ability to classify different complaint types based on
pre-defined rules. The system facilitates in assigning,
storing and tracking unique complaint IDs and also
enables intimation to various stakeholders as required,
within the workflow. The system enables defining of target
Turnaround Times (TATs) and measuring the actual TATs
on all complaints. The system sets up alerts for pending
tasks nearing the laid down Turnaround Time. Thus, the
system automatically triggers activities at the appropriate
time through rule based workflows.
IV.6.8 Development software for SMS based Vehicle

Insurance Status information System has also been
completed and the software is expected to be made
operational soon.
Mobile Application for Comparison of Products and
Rates
IV.6.9 The mobile application is being developed to
provide a mechanism for consumers/prospects to make
informed decisions by comparing features of insurance
products through mobiles. The application works on all
popular mobile platforms. Users can also, through any
mobile that enables internet access, access the
information.
IV.6.5 IGMS provides a standard platform to all insurers

to resolve policyholder grievances and also enables the
stakeholders to analyze data on complaints and make
systemic changes wherever required. The development
exercise for IGMS was completed during 2010-11 and
the system was successfully made operational from 2nd
June 2011.
IV.6.10 The application shall enable real-time mobile

based access to the IRDA repository containing details
of the products. It would enable users to compare the
features such as premiums, benefits, rates etc. Users
would be in a position to select similar products for
comparison by searching in three alternative ways viz.,
Search by Company, Search by Policy type and Search
by Keywords.
Stolen Vehicles Recovery Information System

(SVRIS)
IV.6.11 The launch screen of the application, as indicated

above, shall have three options. Search by Company lists
the companies offering related products from which the
user can select companies of interest to display products.
The products available shall be displayed and the user
would have the option to select upto three products for
comparison. The details of the selected products would
thereafter get displayed. Search by Policy Type would
list out different types of policies from which user would
IV.6.6 Insurance Information Bureau (IIB) is collecting

transaction level data on Motor insurance of vehicles from
non-life insurance companies. In order to assist the police
in identifying the insurer of stolen and subsequently
recovered vehicles, IIB has established a call centre
facility called Stolen Vehicles Recovery Information
System (SVRIS).
89

be able to select required type and the system would
display the products available. The user would be able
to select upto three products for comparison. The system
would display the comparative details of the selected
products. Search by Keywords would enable the user to
search either by policy type or company by entering a
certain keyword. The selected product information would
get displayed in a pop-up window.
IV.8 IRDA Journal

IV.8.1 With the November 2010 issue, the IRDA Journal,
the monthly publication of the Authority, completed eight
years of purposeful existence; and continues to be
recognized for the quality inputs on various issues
associated with the industry. The additional statistical
information which was introduced in the Journal last year
continues to cater to the various needs of the industry;
and has been well-received by the various stakeholders.
The insurers, especially in the non-life domain, have
expressed a wide utility of the statistical information
provided in the Journal. The list of contributors for the
Journal in the form of articles, research papers etc. has
been going up steadily with several new authors evincing
a keen interest in writing for the Journal; and this has
resulted in a good source of varied opinion both
domestic as well as international. The demand for the
hard copy of the Journal has been growing as always,
thereby indicating the continued interest of various
stakeholders in the Journal 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.6.12 The development work for the above application

has since been completed and the application is expected
to be launched soon.
Development of Product Comparison Application for
General Insurance Products
IV.6.13 The Authority is in the process of developing an
application to compare the features of different general
insurance products (Motor, Fire, Health, Engineering and
Industrial All Risks) across insurers. The application,
which will be web based, would have the following
features:
The web site will be available to all visitors as a link

from
the
current
IRDA
website
(http://www.irda.gov.in)
Based on the Lines of Business (LOB) and

Sub-LOB selected, the user would be provided with
a list of insurance companies having approved
products in the market.
For product comparison a user can select a

maximum of 4 approved products. Product
comparison of selected products across various
companies can be made based on various
parameters like the coverage, exclusions,
discounts, deductibles, etc.
The comparison provided will be in a Yes-No format;

it will indicate if a specific coverage is applicable or
not. There would be no comparisons by text i.e.
differences in wordings would not be highlighted.
IV.8.2 During the year 2010-11, several topical and

relevant issues have been captured as the focus of the
Journal. The various topics which were covered as issue
focus during the period are: Product Development in
Insurance; The Importance of Underwriting in Insurance;
Efficiencies in Claims Management; Public Disclosures
and Business Analytics; Disaster Management and Role
of Insurance; Technology Support in Insurance Services;
Corporate Social Responsibility and Insurance Industry;
and Risk Management for Insurers. Depending on the
importance of the topic as also the response to it, some
important areas of focus were taken up for a repeat
coverage during the year.
IV.9 Acknowledgements
IV.9.1 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 Supervisors (IAIS) for their
valuable contribution from time to time.
The comparison will be provided as textual data e.g.

Premium ratings displayed side by side.
The necessary agency for the development of said

application has already been finalised and the
development work has since commenced.
IV.7 Accounts
IV.7.1 The Accounts of the Authority for 2010-11 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 are required to be forwarded to the
Government of India to be placed in both Houses of
Parliament.
90
STATEMENTS
91
92

STATEMENT 1
INTERNATIONAL COMPARISON OF INSURANCE PENETRATION*

(In Per Cent)
Total
2009**
Life
Non-Life
Total
Australia
6.4
3.4
3.0
5.9
3.1
2.8
Brazil
3.1
1.6
1.5
3.1
1.6
1.5
France
10.3
7.2
3.1
10.5
7.4
3.1
Germany
7.0
3.3
3.7
7.2
3.5
3.7
Russia
2.5
0.0
2.5
2.3
0.0
2.3
South Africa
12.9
10.0
2.9
14.8
12.0
2.8
Switzerland
9.8
5.4
4.5
9.9
5.5
4.4
12.9
10.0
3.0
12.4
9.5
2.9
8.0
3.5
4.5
8.0
3.5
4.5
Bangladesh
0.9
0.7
0.2
0.9
0.7
0.2
Hong Kong
11.0
9.6
1.4
11.4
10.1
1.4
India #
5.2
4.6
0.6
5.1
4.4
0.7
Japan
9.9
7.8
2.1
10.1
8.0
2.1
Malaysia
4.4
2.9
1.6
4.8
3.2
1.6
Pakistan
0.7
0.3
0.4
0.7
0.3
0.3
PR China
3.4
2.3
1.1
3.8
2.5
1.3
Singapore
6.8
5.1
1.7
6.1
4.6
1.6
10.4
6.5
3.9
11.2
7.0
4.2
1.4
0.6
0.9
1.4
0.6
0.9
16.8
13.8
3.0
18.4
15.4
3.0
Thailand
4.0
2.4
1.6
4.3
2.6
1.7
World
7.0
4.0
3.0
6.9
4.0
2.9
Countries
United Kingdom
United States
2010**
Life
Non-Life
Asian Countries
South Korea
Sri Lanka
Taiwan
Source: Swiss Re, Sigma Volumes 3/2010 and 2/2011.

* Insurance penetration is measured as ratio of premium (in US Dollars) to GDP (in US Dollars)
** Data pertains to the calender year 2009 and 2010.
# Data relates to financial year 2009-10 and 2010-11.
93

STATEMENT 2
INTERNATIONAL COMPARISON OF INSURANCE DENSITY*

(In US Dollar)
Total
2009**
Life
Non-Life
Total
2832.7
1524.8
1307.9
3369.2
1766.3
1603.0
Brazil
251.7
127.9
123.8
327.6
169.9
157.7
France
4269.1
2979.8
1289.4
4186.6
2937.6
1249.0
Germany
2878.4
1359.7
1518.7
2903.8
1402.2
1501.6
Russia
280.9
4.5
276.4
296.8
6.4
290.4
South Africa
738.1
574.2
163.9
1054.7
854.6
200.1
Switzerland
6257.6
3405.6
2852.1
6633.7
3666.8
2966.9
United Kingdom
4578.8
3527.6
1051.2
4496.6
3436.3
1060.2
United States
3710.0
1602.6
2107.3
3758.9
1631.8
2127.2
Bangladesh
5.2
3.9
1.3
5.8
4.4
1.4
Hong Kong
3304.0
2886.6
417.5
3635.5
3197.3
438.2
54.3
47.7
6.7
64.4
55.7
8.7
3979.0
3138.7
840.4
4390.2
3472.8
917.4
Malaysia
321.8
206.9
115.0
421.1
282.8
138.3
Pakistan
6.6
3.0
3.6
6.1
3.2
2.9
PR China
121.2
81.1
40.0
158.4
105.5
52.9
Singapore
2557.6
1912.0
645.6
2823.4
2101.4
722.1
South Korea
1890.3
1180.6
709.7
2339.4
1454.3
885.1
29.5
11.8
17.7
34.2
13.7
20.6
2752.1
2257.3
494.8
3296.2
2756.8
539.3
Thailand
154.4
91.7
62.7
199.4
121.9
77.5
World
595.1
341.2
253.9
627.3
364.3
263.0
Countries
Australia
2010**
Life
Non-Life
Asian Countries
India #
Japan
Sri Lanka
Taiwan
Source: Swiss Re, Sigma Volumes 3/2010 and 2/2011.

* Insurance density is measured as ratio of premium (in US Dollar) to total population.
** Data pertains to the calender year 2009 and 2010.
# Data relates to financial year 2009-10 and 2010-11.
94
95
9707.43
2002-03
2003-04
2004-05
2005-06
2006-07
2007-08
2008-09
2009-10
2010-11
(` Crore)
STATEMENT 3
19588.77 15976.76 17347.62 20653.06 28515.87 56223.56 59996.57 53179.08 71521.90 87012.35
(101.93)
(-18.44)
(8.58)
(19.05)
(38.07)
(97.17)
(6.71)
(-11.36)
(34.49)
(21.66)
4.19
17.66
72.10
282.42
283.98
467.66
704.44
688.95
642.43
660.49
32.78
129.31
209.33
486.15
1042.65
1648.85
2685.37
2651.11
3257.51
4059.33
28.11
129.57
449.86
621.31
678.12
882.72
1965.01
2820.85
2960.01
2080.30
113.33
364.11
750.84
1584.34
2602.50
5162.13
8034.75
6811.83
6334.03
7862.14
7.58
35.21
125.51
373.99
396.06
614.94
1106.62
1343.03
1333.98
1253.14
21.14
59.77
181.59
297.55
464.53
644.82
964.51
1142.67
1322.01
1332.21
14.69
71.88
207.05
484.85
827.82
2563.84
4792.82
5386.64
7040.74
7572.39
7.14
63.39
179.55
857.45
2716.77
4302.74
6674.48
4491.43
4451.10
3465.82
38.80
67.31
137.28
233.63
471.36
912.11
1597.83
1842.91
1849.08
2061.39
0.48
7.70
23.41
57.52
148.53
340.44
825.35
1144.70
1061.85
706.22
0.28
6.32
27.21
91.33
193.56
932.11
2751.05
3513.98
3920.78
3034.94
13.47
76.96
192.29
407.12
721.35
1053.98
724.56
798.37
745.39
1.74
26.34
43.00
122.12
134.01
124.83
91.83
10.33
181.17
309.99
314.47
419.50
571.99
7.78
113.24
292.93
437.43
347.78
2.49
149.97
486.08
448.61
11.90
316.78
400.56
444.95
296.41
622.62
817.29
31.21
150.37
274.87
3.37
37.38
74.15
50.19
519.87
758.69
201.59
704.77
268.51
965.69
2440.71
5564.57 10269.67 19425.65 33715.95 34152.00 38372.01 39368.65
(4061.70) (259.65) (152.74) (127.99)
(84.55)
(88.84)
(73.56)
(1.29)
(12.36)
(2.60)
19857.28 16942.45 19788.32 26217.64 38785.54 75649.21 93712.52 87331.08 109893.91 126381.00
(104.56)
(-14.68)
(16.80)
(32.49)
(47.94)
(94.96)
(23.88)
(-6.81)
(25.84)
(15.00)
2001-02
Note: 1) Figures in the bracket represent the growth over the previous year in per cent.
2) represents business not started.
TOTAL
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 TOTAL
2000-01
INSURER
FIRST YEAR (INCLUDING SINGLE PREMIUM) LIFE INSURANCE PREMIUM
96
34898.47
2002-03
2003-04
2004-05
2005-06
2006-07
49821.91 54628.49 63533.43 75127.29 90792.22 127822.84

(42.79)
(9.65)
(16.30)
(18.25)
(20.85)
(40.79)
4.19
21.16
88.51
338.86
425.38
707.20
33.46
148.83
297.76
686.63
1569.91
2855.87
28.26
143.92
537.54
915.47
1259.68
1776.71
116.38
417.62
989.28
2363.82
4261.05
7912.99
7.58
40.32
150.72
466.16
621.85
971.51
21.14
81.21
253.53
497.04
880.19
1367.18
14.69
72.39
225.67
601.18
1075.32
2928.49
7.14
69.17
220.80
1001.68
3133.58
5345.24
38.95
96.59
215.25
413.43
788.13
1500.28
0.48
7.91
28.73
81.53
205.99
492.71
0.28
6.47
31.06
106.55
224.21
1004.66
13.47
81.50
253.42
600.27
1147.23
1.74
27.66
51.00
10.33
184.16
7.78
272.55
1119.06
3120.33
7727.51 15083.54 28253.00
(4124.31) (310.59) (178.83) (147.65)
(95.19)
(87.31)
50094.46 55747.55 66653.75 82854.80 105875.76 156075.84
(43.54)
(11.28)
(19.56)
(24.31)
(27.78)
(47.41)
2001-02
Note: 1) Figures in the bracket represent the growth over the previous year in per cent.
2) represents business not started.
TOTAL
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
Aegon Religare
DLF Pramerica
Star Union Dai-ichi
IndiaFirst
PRIVATE TOTAL
2000-01
INSURER
TOTAL LIFE INSURANCE PREMIUM
149789.99
(17.19)
1158.87
4858.56
3272.19
13561.06
1691.14
2046.35
5622.14
9725.31
2714.60
1159.54
3225.44
1891.88
143.49
358.05
118.41
2.49
11.90
51561.42
(82.50)
201351.41
(29.01)
2007-08
157288.04
(5.01)
1442.28
5564.69
4571.80
15356.22
2343.19
2747.50
7212.10
10624.52
3857.26
1996.64
4932.54
1992.87
206.47
436.17
360.41
152.60
318.97
296.41
31.21
3.37
50.19
64497.43
(25.09)
221785.47
(10.15)
2008-09
186077.31
(18.30)
1642.65
7005.10
5505.66
16528.75
2868.05
3493.78
10104.03
11419.71
4860.54
2536.01
6604.90
2378.01
250.59
611.27
669.73
541.51
571.12
842.45
165.65
38.44
530.37
201.60
79369.94
(23.06)
265447.25
(19.69)
2009-10
203473.40
(9.35)
1708.95
9004.17
5677.07
17880.63
2975.51
3985.22
12911.64
9609.95
5812.63
2508.17
6571.15
2345.17
243.41
821.52
792.02
726.16
811.00
1531.86
388.61
95.04
933.31
798.43
88131.60
(11.04)
291604.99
(9.85)
2010-11
(` Crore)
STATEMENT 4
97
35681
(38.29)
78765
(41.24)
693357
(44.96)
97271
(57.79)
527091
(52.49)
0
(0.00)
17946
(48.65)
94174
(30.00)
451434
(54.35)
614751
(45.52)
33816
(31.20)
662
(0.59)
93.88
(36.14)
292.52
(43.93)
1423.81
(54.93)
166.68
(51.01)
1106.14
(67.41)
0.00
(0.00)
44.92
(60.69)
188.59
(45.91)
1075.26
(30.82)
2306.83
(42.55)
103.00
(23.78)
5.46
(1.06)
Policies Premium
Individual Agents
0
(0.00)
33810
(17.70)
15586
(1.01)
4177
(2.48)
33418
(3.33)
111071
(99.80)
0
(0.00)
0
(0.00)
332931
(40.09)
192550
(14.26)
55653
(51.35)
111167
(99.39)
0.00
(0.00)
144.90
(21.76)
100.80
(3.89)
13.77
(4.22)
271.37
(16.54)
696.91
(99.86)
0.00
(0.00)
0.00
(0.00)
2130.98
(61.09)
2132.59
(39.34)
299.83
(69.21)
508.13
(98.93)
6809
(7.31)
16505
(8.64)
703053
(45.59)
3105
(1.84)
365059
(36.36)
221
(0.20)
5673
(15.38)
183032
(58.300
1416
(0.17)
51550
(3.82)
4
(0.00)
1
(0.00)
38.68
(14.89)
23.53
(3.53)
614.19
(23.70)
15.91
(4.87)
119.11
(7.26)
0.98
(0.14)
9.82
(13.27)
163.51
(39.80)
97.68
(2.80)
263.83
(4.87)
0.02
(0.00)
0.00
(0.00)
Corporate Agents
Banks
Others*
Policies Premium Policies Premium
13093
(14.05)
19864
(10.40)
8309
(0.54)
22706
(13.49)
40552
(4.04)
0
(0.00)
2054
(5.57)
1783
(0.57)
10965
(1.32)
71468
(5.29)
667
(0.62)
1
(0.00)
25.08
(9.65)
38.11
(5.72)
14.35
(0.55)
57.98
(17.74)
86.31
(5.26)
0.00
(0.00)
3.51
(4.74)
3.86
(0.94)
75.39
(2.16)
377.34
(6.96)
1.75
(0.40)
0.01
(0.00)
Policies Premium
Brokers
37600
(40.35)
42059
(22.02)
121700
(7.89)
41048
(24.39)
37973
(3.78)
6
(0.01)
11217
(30.41)
34965
(11.14)
33786
(4.07)
420175
(31.11)
18250
(16.84)
19
(0.02)
102.15
(39.32)
166.87
(25.06)
438.78
(16.93)
72.40
(22.16)
57.92
(3.53)
0.03
(0.00)
15.77
(21.31)
54.86
(13.35)
109.14
(3.13)
340.85
(6.29)
28.63
(6.61)
0.01
(0.00)
Policies Premium
Direct Selling
93183
(100.00)
191003
(100.00)
1542005
(100.00)
168307
(100.00)
1004093
(100.00)
111298
(100.00)
36890
(100.00)
313954
(100.00)
830532
(100.00)
1350494
(100.00)
108390
(100.00)
111850
(100.00)
259.78
(100.00)
665.92
(100.00)
2591.92
(100.00)
326.74
(100.00)
1640.85
(100.00)
697.91
(100.00)
74.01
(100.00)
410.83
(100.00)
3488.45
(100.00)
5421.44
(100.00)
433.23
(100.00)
513.61
(100.00)
Policies Premium
Total Individual
161
(0.17)
41218
(21.58)
12666
(0.82)
0
(0.00)
2988
(0.30)
0
(0.00)
82
(0.22)
7
(0.00)
824
(0.10)
380862
(28.20)
0
(0.00)
0
(0.00)
3.45
(1.33)
163.43
(24.54)
179.91
(6.94)
0.00
(0.000
1.11
(0.07)
0.00
(0.00)
0.13
(0.17)
0.02
(0.01)
2.31
(0.07)
182.06
(3.36)
0.00
(0.00)
0.00
(0.00)
Referrals
New Business
Policies Premium
(Policies in nos.)
STATEMENT 5
Note: 1) Figures in brackets show percentage to total individual new business of each insurer procured through the respective channel
# Does not include its overseas new business premium
** New Business figures does not tally with the Schedule 1 of the companys annual report due to provision made for Freelook cancellations.
India First
IDBI Federal
ICICI Prudential
HDFC Standrad
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
Policies Premium
Individual Agents
98
48967
155.73
(17.85)
(23.84)
28755
290.09
(11.11)
(30.05)
116796
433.11
(14.31)
(22.37)
46573
183.30
(23.28)
(28.82)
40
0.15
(0.00)
(0.01)
0
0.00
(0.00)
(0.00)
330767 2051.03
(35.19)
(42.82)
0
0.00
(0.00)
(0.00)
97452
589.80
(99.72)
(99.94)
44722
107.12
(8.08)
(9.59)
1604435 10109.61
(14.46)
(33.21)
332127
953.02
(0.90)
(1.81)
1936562 11062.63
(4.03)
(13.30)
14177
(5.17)
29431
(11.37)
225341
(27.61)
10834
(5.44)
936137
(49.20)
2765
(3.98)
23157
(2.46)
12048
(9.99)
0
(0.00)
42824
(7.74)
2633142
(23.73)
355339
(0.96)
2988481
(6.21)
29.41
(4.50)
72.16
(7.48)
379.60
(19.61)
29.41
(4.62)
653.48
(24.58)
2.22
(2.42)
61.86
(1.29)
26.82
(5.59)
0.00
(0.00)
47.03
(4.21)
2649.24
(8.70)
308.51
(0.59)
2957.75
(3.56)
Corporate Agents
Banks
Others*
Policies Premium Policies Premium
3370
(1.23)
39051
(15.09)
31033
(3.80)
6340
(3.18)
92940
(4.88)
0
(0.00)
27372
(2.91)
40685
(33.73)
0
(0.00)
71820
(12.98)
504073
(4.54)
7315
(0.02)
511388
(1.06)
11.39
(1.74)
126.12
(13.06)
43.99
(2.27)
20.96
(3.30)
164.32
(6.18)
0.00
(0.00)
101.64
(2.12)
151.53
(31.58)
0.00
(0.00)
148.42
(13.29)
1452.04
(4.77)
19.76
(0.04)
1471.80
(1.77)
Policies Premium
Brokers
20839
(7.59)
39441
(15.24)
11046
(1.35)
11704
(5.88)
133857
(7.04)
0
(0.00)
0
(0.00)
22803
(18.91)
0
(0.00)
27433
(4.96)
1065921
(9.61)
22505
(0.06)
1088426
(2.26)
Policies Premium
Total Individual
53.58
274401
653.15
(8.20) (100.00) (100.00)
82.10
258783
965.32
(8.50) (100.00) (100.00)
38.40
816259 1935.85
(1.98) (100.00) (100.00)
26.43
199211
636.07
(4.16) (100.00) (100.00)
281.57 1902685 2658.59
(10.59) (100.00) (100.00)
0.00
69532
91.80
(0.00) (100.00) (100.00)
0.00
939978 4789.37
(0.00) (100.00) (100.00)
65.42
120610
479.75
(13.64) (100.00) (100.00)
0.00
97730
590.17
(0.00) (100.00) (100.00)
20.64
553203 1117.18
(1.85) (100.00) (100.00)
1955.54 11094391 30441.94
(6.42) (100.00) (100.00)
60.78 37012277 52732.09
(0.12) (100.00) (100.00)
2016.32 48106668 83174.03
(2.42) (100.00) (100.00)
Policies Premium
Direct Selling
20839
(7.59)
775
(0.30)
5413
(0.66)
7093
(3.56)
0
(0.00)
0
(0.00)
0
(0.00)
13879
(11.51)
2491
(2.55)
8995
(1.63)
498293
(4.49)
50479
(0.14)
548772
(1.14)
53.58
(8.20)
1.72
(0.18)
9.40
(0.49)
25.04
(3.94)
0.00
(0.00)
0.00
(0.000
0.00
(0.00)
57.44
(11.97)
9.10
(1.54)
24.57
(2.20)
713.26
(2.34)
122.65
(0.23)
835.91
(1.01)
Referrals
New Business
Policies Premium
(Policies in nos.)
Note: 1) Figures in brackets show percentage to total individual new business of each insurer procured through the respective channel
# Does not include its overseas new business premium
** New Business figures does not tally with the Schedule 1 of the companys annual report due to provision made for Freelook cancellations.
187048
403.03
(68.17)
(61.71)
Kotak Mahindra
122105
394.85
(47.18)
(40.90)
Max NewYork
432043 1040.76
(52.93)
(53.76)
MetLife
123760
375.97
(62.13)
(59.11)
Reliance Life
739711 1559.08
(38.88)
(58.64)
Sahara
66767
89.58
(96.02)
(97.58)
SBI Life
558682 2574.84
(59.44)
(53.76)
Shriram
45074
235.98
(37.37)
(49.19)
Star Union Dai-ichi
278
0.36
(0.28)
(0.06)
TATA AIG
366404
793.96
(66.23)
(71.07)
Private Total
5286820 14275.50
(47.65)
(46.89)
LIC #
36294991 51390.02
(98.06)
(97.45)
Industry Total
41581811 65665.52
(86.44)
(78.95)
ING Vysya
Insurer
INDIVIDUAL NEW BUSINESS PERFORMANCE OF LIFE INSURERS - CHANNEL WISE
Contd.... STATEMENT 5
99
14
(9.21)
308
(20.56)
0
(0.00)
19
(7.72)
0
(0.00)
0
(0.00)
1
(0.91)
7
(2.41)
7
(3.04)
0
(0.00)
0
(0.00)
0
(0.00)
Aviva**
Bajaj Allianz
Bharti AXA
Birla Sunlife
Canara HSBC
DLF Pramerica
Future Generali
HDFC Standard
ICICI Prudential
IDBI Federal
India First
ING Vysya
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
1.84
(0.08)
33.20
(5.82)
0.04
(0.10)
0.00
(0.00)
0.00
(0.00)
15.71
(3.60)
0.00
(0.00)
7.78
(0.89)
1.31
(1.66)
0.00
(0.00)
Premium
0
(0.00)
0
(0.00)
0
(0.00)
7088
(0.23)
48443
(6.73)
104
(0.00)
0
(0.00)
0
(0.00)
61512
(8.25)
0
(0.00)
47024
(0.23)
3531
(0.25)
0
(0.00)
Lives
covered
Individual Agents
0
(0.00)
11
(28.95)
5
(55.56)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
4
(44.44)
3
(1.22)
0
(0.00)
9
(0.600
4
(2.63)
0
(0.00)
Schemes
0.00
(0.00)
35.98
(18.82)
9.96
(85.01)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
20.27
(16.24)
6.30
(1.44)
4.35
(21.65)
117.87
(13.49)
0.48
(0.60)
0.00
(0.00)
Banks
Premium
0
(0.00)
733109
(56.53)
53130
(7.63)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
8428
(8.09)
1205
(0.16)
2276
(12.88)
24331
(0.12)
812
(0.06)
0
(0.00)
Lives
covered
0
(0.00)
0
(0.00)
0
(0.00)
2
(0.87)
0
(0.00)
1
(0.91)
0
(0.00)
0
(0.00)
5
(2.03)
6
(100.00)
413
(27.57)
3
(1.97)
0
(0.00)
Schemes
Corporate Agents
-135410
(9.51)
0
(0.00)
Lives
covered
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
1.47
(0.06)
0.00
(0.00)
0.04
(0.11)
0.00
(0.00)
0.00
(0.00)
0.52
(0.12)
15.74
(78.35)
0
(0.00)
0
(0.00)
0
(0.00)
98
(0.00)
0
(0.00)
124
(0.01)
0
(0.00)
0
(0.00)
4006
(0.54)
15392
(87.12)
177.96 6602636
(20.36)
(32.84)
8.09
(10.23)
0.00
(0.00)
Others*
Premium
0
(0.00)
2
(5.26)
0
(0.00)
11
(4.78)
51
(17.59)
61
(55.45)
0
(0.00)
0
(0.00)
49
(19.92)
0
(0.00)
92
(6.14)
31
(20.39)
0
(0.00)
Schemes
0
(0.00)
0
(0.00)
46206
(6.20)
0
(0.00)
103616
(0.52)
39165
(2.75)
0
(0.00)
Lives
covered
0.00
(0.00)
0.61
(0.32)
0.00
(0.00)
12.09
(0.50)
11.03
(1.93)
0
(0.00)
521853
(40.24)
0
(0.00)
49828
(1.59)
33873
(4.71)
23.05 2137157
(60.63)
(98.72)
0.00
(0.000
0.00
(0.00)
10.45
(2.40)
0.00
(0.00)
26.00
(2.98)
2.28
(2.89)
0.00
(0.00)
Premium
Brokers
0
(0.00)
25
(65.79)
4
(44.44)
210
(91.30)
232
(80.00)
47
(42.73)
1
(100.00)
5
(55.56)
170
(69.11)
0
(0.00)
676
(45.13)
100
(65.79)
11
(100.00)
Schemes
22679
(100.00)
Lives
covered
637037
(88.56)
27390
(1.27)
10010
(100.00)
95723
(91.91)
632723
(84.85)
0
(0.00)
7.34
(100.00)
154.56
(80.86)
1.76
(14.99)
1509
(100.00)
41952
(3.23)
643175
(92.37)
2424.15 3079433
(99.37)
(98.18)
526.65
(92.25)
14.89
(39.15)
0.01
(100.00)
104.57
(83.76)
403.30
(92.44)
0.00
(0.00)
544.28 13329477
(62.28)
(66.29)
66.92 1515639
(84.63) (106.45)
15.09
(100.00)
Premium
Direct Selling
22679
(100.00)
Lives
covered
10010
(100.00)
104151
(100.00)
745652
(100.00)
570.88
(100.00)
719353
(100.00)
38.02 2164775
(100.00) (100.00)
0.01
(100.00)
124.84
(100.00)
436.28
(100.00)
20.09
17668
(100.00) (100.000
873.90 20107084
(100.00) (100.00)
79.08 1423737
(100.00) (100.00)
15.09
(100.00)
Premium
0
(0.00)
38
(100.00)
9
(100.00)
696305
(100.00)
7.34
(100.00)
1509
(100.00)
191.15 1296914
(100.00) (100.00)
11.72
(100.00)
230 2439.54 3136447

(100.00) (100.00) (100.00)
290
(100.00)
110
(100.00)
1
(100.00)
9
(100.00)
246
(100.00)
6
(100.00)
1498
(100.00)
152
(100.00)
11
(100.00)
Schemes
Total Group New Business
STATEMENT 6
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.000
1
(0.07)
1
(0.66)
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)
0.02
(0.00)
0.00
(0.00)
14.93
(1.71)
0.07
(0.08)
0.00
(0.00)
Premium
Referrals
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
104
(0.01)
0
(0.00)
1954
(0.01)
-295
(0.02)
0
(0.00)
Lives
covered
(Schemes and lives in nos.)
Schemes
Note: 1) Figures in brackets show percentage to total group new business of each insurer procured through the respective channel.
** New Business figures does not tally with the Schedule 1 of the companys Annual Report due to provision made for Freelook cancellations.
* Any entity other than banks but licensed as a corporate agent.
0
(0.00)
Schemes
Aegon Religare
Insurer
GROUP NEW BUSINESS PERFORMANCE OF LIFE INSURERS - CHANNEL WISE
100
386
(7.59)
4726
(18.53)
5112 2428.39 3435632

(16.71)
(5.63)
(4.13)
Private Total
LIC
Industry Total
207236
(0.44)
9910
(1.45)
1.42
(0.66)
168.52
(100.00)
0.00
(0.00)
653.31
(23.47)
0.00
(0.00)
0.00
(0.00)
9.33
(13.30)
0.00
(0.00)
0.00
(0.00)
2434
(0.36)
353994
(100.00)
0
(0.00)
942571
(62.62)
0
(0.00)
0
(0.00)
9156
(0.38)
0
(0.00)
0
(0.00)
Lives
covered
1834
(5.99)
1671
(6.55)
1328.61 4651600
(3.08)
(5.59)
300.81 2520154
(0.88)
(7.07)
671
(2.19)
235
(0.92)
436
(8.57)
1
(1.12)
0
(0.00)
1
(8.33)
2
(0.82)
0
(0.00)
0
(0.00)
2
(0.65)
0
(0.00)
0
(0.00)
Schemes
Corporate Agents
163 1027.80 2131446

(3.20)
(11.51)
(4.48)
2
(2.25)
72
(100.00)
0
(0.00)
53
(21.72)
0
(0.000
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
Schemes
Banks
Premium
22470
(3.30)
0
(0.00)
135574
(17.82)
7939
(0.53)
0
(0.00)
0
(0.00)
1559
(0.06)
0
(0.00)
0
(0.00)
Lives
covered
80986
(0.23)
318.92 6735374
(0.74)
(8.09)
60.37
(0.18)
258.55 6654388
(2.90)
(13.99)
9.52
(4.43)
0.00
(0.00)
36.63
(39.72)
8.52
(0.31)
0.00
(0.00)
0.00
(0.00)
0.07
(0.11)
0.00
(0.00)
0.00
(0.00)
Others*
Premium
1266
(4.14)
101
(0.40)
1165
(22.90)
12
(13.48)
0
(0.00)
4
(33.33)
1
(0.41)
0
(0.00)
42
(10.99)
170
(55.37)
369
(51.83)
270
(40.85)
Schemes
19116
(2.80)
0
(0.00)
31564
(4.10)
104
(0.01)
0
(0.00)
131373
(15.68)
815049
(33.56)
181075
(2.11)
525767
(26.84)
Lives
covered
21671
(0.06)
213.54 4657417
(0.49)
(5.60)
2.71
(0.01)
210.83 4635746
(2.36)
(9.74)
10.16
(4.72)
0.00
(0.00)
0.34
(0.37)
0.03
(0.00)
0.00
(0.00)
3.73
(0.99)
28.78
(41.03)
7.49
(5.96)
74.79
(25.99)
Premium
Brokers
Lives
covered
627779
(92.09)
0
(0.00)
602361
(78.28)
537553
(35.71)
1039
(93.77)
706485
(84.32)
Lives
covered
0.02
(100.00)
376.35
(100.00)
1108
(100.00)
837858
(100.00)
70.15 2428672
(100.00) (100.00)
125.54 8588826
(100.00) (100.00)
287.81 1958568
(100.00) (100.00)
Premium
89
(100.00)
72
(100.00)
12
(100.00)
215.04
(100.00)
168.52
(100.00)
92.23
(100.00)
681709
(100.00)
353994
(100.00)
769499
(100.00)
244 2783.02 1505328

(100.00) (100.00) (100.00)
8
(100.00)
382
(100.00)
307
(100.00)
712
(100.00)
661
(100.00)
Schemes
Total Group New Business
21713 38869.75 63752022

30596 43159.21 83232045
(70.97)
(90.06)
(76.60) (100.00) (100.00) (100.00)
25509 34232.58 35660199

(100.00) (100.00) (100.00)
7343.35 33943030
5087 8926.63 47571846
(82.26)
(71.35) (100.00) (100.00) (100.00)
187.68
(87.28)
0.00
(0.00)
55.26
(59.92)
2104.08
(75.60)
0.02
(96.62)
372.62
(99.01)
29.09 1590514
(41.47)
(65.49)
118.05 8407751
(94.04)
(97.89)
213.02 1432801
(74.01)
(73.16)
Premium
18776 31526.40 29808992

(73.61)
(92.09)
(83.59)
2937
(57.74)
60
(67.42)
0
(0.00)
7
(58.33)
186
(76.23)
7
(87.50)
340
(89.01)
122
(39.74)
343
(48.17)
391
(59.15)
Schemes
Direct Selling
3
(0.01)
0
(0.00)
3
(0.06)
0
(0.00)
0
(0.00)
1
(8.33)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
Schemes
39.23
(0.09)
0.00
(0.00)
39.23
(0.44)
0.00
(0.00)
0.00
(0.00)
18.45
(20.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
5.76
(8.21)
0.00
(0.00)
0.00
(0.00)
Premium
Referrals
319262
(0.38)
0
(0.00)
319262
(0.67)
0
(0.00)
0
(0.00)
315732
(41.03)
0
(0.00)
0
(0.00)
0
(0.00)
1767
(0.07)
0
(0.00)
0
(0.00)
Lives
covered
(Schemes and lives in nos.)
Note: 1) Figures in brackets show percentage to total group new business of each insurer procured through the respective channel.
** New Business figures does not tally with the Schedule 1 of the companys Annual Report due to provision made for Freelook cancellations.
* Any entity other than banks but licensed as a corporate agent.
2342.28 3228396
(6.84)
(9.05)
86.11
(0.96)
6.26
(2.91)
0
(0.00)
0
(0.00)
14
(15.73)
0.00
(0.00)
0.00
(0.00)
TATA AIG
17161
(1.14)
69
(6.23)
0
(0.00)
17.09
(0.61)
0.00
(3.38)
0
(0.00)
Star Union Dai-ichi
1
(12.50)
Sahara
0.00
(0.00)
12394
(0.51)
0
(0.00)
0
(0.00)
Reliance Life
2.88
(4.10)
0
(0.00)
Shriram
13
(4.23)
MetLife
0.00
(0.00)
0
(0.00)
Lives
covered
2
(0.82)
0
(0.00)
Max NewYork
0.00
(0.00)
Premium
Individual Agents
SBI Life
0
(0.00)
Schemes
Kotak Mahindra
Insurer
GROUP NEW BUSINESS PERFORMANCE OF LIFE INSURERS - CHANNEL WISE
0.49 16575 25.28 42942 187.47

0.00
0
0.00
0
0.00
1.50 2231
3.29 8663 35.64
3.09 26825 25.73 6510 23.53
0.15
967
1.89 5780 19.82
0.00
648
1.07 3802 29.07
5.54 13748 18.66 51246 250.10
7.15 5769 10.38 33323 202.19
1.01 3363
4.41 3277 12.30
0.12
976
2.10 3133 14.57
0.17 8849 12.52 6293 30.15
1.90 14000 17.90 70039 267.54
2.43 15847 23.39 39232 221.23
0.49 5243
8.89 23945 83.10
0.72 38413 55.82 244414 813.18
0.00
0
0.00
0
0.00
0.00
0
0.00
652
1.78
0.00
0
0.00
0
0.00
0.00
0
0.00
5
0.00
3.03 11506 14.90 14234 48.58
26.14 9861 15.09 33641 142.31
2.75 11606 13.64 22580 78.37
0.00
0
0.00
538
2.80
1.61 26443 28.92 49806 280.43
0.00
0
0.00 3087
7.74
3.91 38391 54.64 56602 207.82
0.11 1359
1.87 3408 13.33
3.23 47236 47.99 44143 209.12
0.00
0
0.00
0
0.00
2.44
972
1.82 10778 55.34
0.00
0
0.00
0
0.00
0.02
0
0.00
0
0.00
5.99 13126 20.59 47114 244.29
0.00
0
0.00
0
0.00
0.01
0
0.00 1345
6.67
74.01 313954 410.83 830532 3488.45
3460 11.54 17410 30.45 145196 189.65 10837 21.55 83418 97.86 6707 41.09
0
0.00
422
1.87 1187
3.09
0 0.000
337
2.11
11
0.03
2009
3.43 4504 12.22 55564 75.65
825 3.627 32770 34.51
987
4.26
297
0.84 6390 12.03 151619 191.98 2242
3.21 66054 71.17 2583 13.07
922
3.73 3158
6.01 17375 35.14 3758
7.41 12410 18.88
699
3.21
893
2.39
460
3.34 1754
8.21
491 2.282 2675
9.62
555
4.30
5410 15.87 8927 39.83 54048 139.80 10786 22.95 46944 89.52 2485 19.29
1530
5.34 7894 39.79 22245 41.80 1256
1.64 15967 48.77 7508 42.17
310
0.64
723
2.27 13342 20.74
503
0.92 3106
6.04
523
2.06
207
0.39
855
2.19 12960 33.44 1007 1.661 1121 2.238
2 0.030
988
4.81 3517 10.08 59065 96.83 4647
8.55 15142 23.15 1528
6.15
3678 13.98 7516 31.30 101629 133.51 11210 29.12 55446 137.22 15298 79.11
2424
7.86 3913 21.91 39258 138.67 8429 15.38 21874 63.76 3888 31.23
4037
6.96 8612 19.45 34320 63.05 3165
4.98 67188 55.13 1502
8.47
27640 54.72 21249 110.46 98785 276.40 19056 51.06 124739 303.72 9694 135.60
0
0.00
50
0.43 12632 12.62
0
0.00 46453
4.01
1
0.01
0
0.00
259
0.74 1100
2.54
123
0.11 2268
5.38
100
0.41
0
0.00
2
0.09
797
5.20
0
0.00
240 2.717
0 0.000
0
0.00
93
0.43
733
1.19
0
0.00 1330
4.55
4
0.04
2038
3.61 7418 22.09 93395 132.94 3910
7.06 39507 44.09 1278
5.29
4287 11.15 12993 44.73 32977 82.66 7790 14.00 21103 38.91 13159 52.69
2530
6.50 16486 28.91 31893 49.86 6378 10.47 45329 58.13 5305 15.80
115
0.44
358
1.10 1122
4.91
295
0.61
673 1.674
70 0.608
6248 21.12 11068 45.77 153859 189.10 14474 28.66 65091 97.47 7632 55.84
0
0.00 1804
3.15 11023 11.93
0 0.0000 1133
1.04
124
0.63
8370 29.20 13640 38.10 174644 263.29 27256 29.91 123083 148.23 16390 58.26
664
1.53 3590
9.29 23824 33.22 2089
2.54 7699
8.05 1697
5.09
4829 17.42 14129 55.77 169959 254.78 14055 21.33 58399 110.81 5276 47.42
0
0.00
13 0.048
813
0.50
0
0.00
0
0.00
16
0.16
2190
7.22
781
3.45 1943
5.25 3583
7.48 5676 17.95
530
4.68
0
0.00
55
0.13
444
0.82
0
0.00
126
0.00
35
0.23
0
0.00
8
0.04
0
0.00
0
5.08
0
0.00
6
0.03
8107 29.08 12451 67.86 19415 90.00 10142 25.13 35089 131.45 5620 60.16
0
0.00
3
0
40
0.09
0
0.00
0
0.00
6
0.02
0
0.00
252
0.59 3045
3.06
0
0.00 1703
2.69
79
0.49
93183 259.78 191003 665.92 1542005 2591.92 168307 326.74 1004093 1640.85 111298 697.91
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 & Nagra Haveli
Daman & Diu
Delhi
Lakshadweep
Puducherry
Company Total
212
2
1533
2678
125
0
2329
2587
357
73
132
483
835
382
1031
5
5
0
2
2444
10458
1458
0
1086
1
2366
80
3018
0
757
0
6
2444
0
1
36890
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
101
29.70 64750 132.13 13556 39.12 94125

0.00
103
0.53
58
0.07 939.00
14.23 9356 24.84 3792 10.59 28780
3.09 17305 28.78 3057
3.41 76602
2.46 8299 18.88 2196
7.32 9112
6.82 6628 19.20
480
1.85 1481
144.31 66966 171.83 7979 21.79 60494
40.56 35185 79.82 5553 11.52 22707
0.00 5257
8.05
558
1.25 6822
1.62 4665 10.07 32659 95.38 7686
10.90 8981 19.44 2847
6.08 36365
56.12 31391 95.68 21167 84.15 35804
25.27 23695 57.31 16431 75.52 22515
19.50 18165 37.53 2233
5.24 44356
258.36 112408 313.05 14425 78.45 82899
0.00 3894
7.88
0
0.00
0.00
0.00
418
1.59
0
0.00 1535
0.00
76
0.38
0
0.00
814
0.00
441
4.65
0
0.00
399
3.03 24253 45.58 5976 11.09 48924
38.90 34803 88.45 7808 18.78 21197
16.80 35774 71.62 4986
8.64 33756
0.00
358
1.47
0
0.00
334
55.36 59720 152.72 10557 28.85 60178
0.00 2431
5.14
309
0.55 7143
42.99 69682 135.45 16610 34.52 144453
3.50 13711 31.98 1428
4.73 17914
48.76 89231 169.71 13128 41.30 979824
0.00
499
1.41
0
0.00
0.00
4.96 7265 16.76 1523
4.43 2522
0.79
27
0.12
0
0.00
0.00
0.00
56
0.14
0
0.00
0.00
136.38 59490 181.53 9761 41.17 51917
0.00
0
0.00
0
0.00
0.00
0.91
977
2.14
134
0.27 1088
965.32 816259 1935.85 199211 636.07 1902685
164.20
4.33
51.98
98.57
27.46
15.479
185.89
48.45
27.46
19.93
72.65
76.53
69.18
102.03
225.12
0.00
4.35
3.03
4.99
65.88
62.74
63.71
0.78
121.88
9.92
253.93
34.09
704.87
0.00
7.58
0.00
0.00
129.08
0.00
2.48
2658.59
2192
0
779
17199
450
0
2902
963
0
0
2536
496
0
2240
744
0
0
0
0
1791
208
7189
0
501
0
24134
627
3301
0
360
0
0
920
0
0
69532
2.74
0.00
1.01
18.44
0.83
0.00
3.82
1.03
0.00
0.00
3.85
0.98
0.00
2.66
1.22
0.00
0.00
0.00
0.00
2.49
0.25
11.32
0.00
0.72
0.00
32.29
0.86
5.86
0.00
0.51
0.00
0.00
0.93
0.00
0.00
91.80
93954
0
20979
44043
11607
2090
73867
16452
24777
8965
20674
113598
57754
26698
260235
553
363
451
0
43357
56066
54639
359
80090
2911
162446
20780
71343
217
0
0
0
81226
0
0
1350494
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
Daman & Diu
Delhi
Lakshadweep
Puducherry
Company Total
321.54
8241 22.29 22990 67.09 59744 132.49 8098
0.00
64
0.78
14
0.04
4
0.01
0
71.57 1621
6.84
270
1.16 1534
3.03 3680
116.58 2491
6.01 2079
8.43
867
1.74
490
38.21
526
2.13
878
4.02
968
2.31
745
21.91 1058
5.05 1004
5.95 1353
3.78
317
408.31 4737 18.42 15287 143.04 12091 40.46 38292
57.09 2706
8.68 1346
4.77 5295 13.11 17755
36.34
228
0.70
160
1.09 1116
3.17
0
30.04
56
0.27
17
0.10 1408
3.80
542
78.83 1541
4.36
907
4.65 1372
2.89 3403
295.54 7002 23.95 1850 12.30 45585 111.37 15702
365.70 15385 139.43
767
4.97 14267 36.54 6019
102.92 3663
9.00 3496 11.81 6309 11.49 5349
1124.09 19104 67.28 9726 52.72 14194 36.12 54794
1.60
84
0.45
152
0.82
6
0.03
0
1.22
76
1.35
120
0.56
14
0.02
0
3.92
93
0.58
0
0.01
2
0.00
0
0.00
86
0.62
78
2.74
7
0.01
0
113.28 5928
2.83 2702 10.00 10164 23.25
948
299.18 3058 12.52
801
6.44 6514 18.17 14559
195.64 5187 13.83 13219 48.01 12083 22.15 5666
1.67
45
0.14
230
0.48
27
0.17
0
450.93 5205 18.22 4014 17.19 43558 95.98 15686
8.63
40
0.21
26
0.34
17
0.02
0
363.98 8574 25.63 21227 66.36 15708 34.56 12495
37.37
822
2.11 3197
8.95 3078
6.71 1041
304.74 5871 17.54 3007 16.82 7956 20.97 18539
0.73
4
0.01
13
0.04
0
0.00
0
0.00
460
1.93
84
0.33
656
2.34 1680
0.00
28
0.08
140
1.05
65
0.10
288
0.00
15
0.08
67
0.34
27
0.06
0
569.89 4332 19.73 1949 10.90 7628 24.70 32476
0.00
1
0.00
0
0.00
97
0.24
0
0.00
58
0.19
33
0.10
687
1.37
219
5421.44 108390 433.23 111850 513.61 274401 653.15 258783
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
102
115748
1962
36441
42041
26508
4069
37654
21211
8771
3751
23413
46790
50929
57150
86145
2205
2411
630
1644
46967
23497
60649
526
80242
1423
73483
11890
47011
199
2239
109
276
19832
1
2161
939978
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
Daman & Diu
Delhi
Lakshadweep
Puducherry
Company Total
103
576.87
11.47
87.99
168.69
111.64
26.83
280.79
111.07
64.04
21.87
103.52
243.13
315.12
244.40
454.19
5.40
14.17
3.45
6.42
184.08
136.25
237.08
4.66
476.64
5.45
417.93
71.76
247.30
1.23
13.39
0.65
3.49
122.79
0.00
15.60
4789.37
SBI Life
No. of
Prempolicies
ium
53452
1
9
522
975
49
2710
1719
221
2
1072
6350
3292
3133
4936
2
2
1
1
617
1611
2160
1
31958
20
2279
608
362
3
157
1
46
1865
1
472
120610
234.03
0.01
0.02
0.72
4.02
0.16
6.32
1.93
0.509
0.01
2.16
22.56
7.32
7.57
18.84
0.00
0.00
0.01
0.00
1.80
2.16
3.93
0.003
147.67
0.05
7.20
1.29
1.04
0.01
0.33
0.000
0.27
3.66
0.00
4.15
479.75
Shriram
No. of
Prempolicies
ium
4649
2
1164
4001
1194
331
6566
1720
220
178
7224
2682
2642
13216
17345
1
75
0
1
2400
3486
1946
76
3896
27
13552
596
5615
2
238
10
5
2592
0
78
97730
21.26
0.00
3.87
15.26
7.12
3.53
53.93
9.76
1.156
1.60
46.62
18.27
21.30
58.50
116.09
0.00
0.47
0.00
0.00
12.58
38.03
14.48
0.351
18.80
0.34
70.45
1.94
33.15
0.00
1.20
0.095
0.06
19.23
0.00
0.72
590.17
Star Union
No. of
Prempolicies
ium
23877
0
35458
15555
9876
899
30614
13523
2204
0
17260
17150
20331
5969
87736
0
81
173
0
43867
6020
24136
0
52787
4471
27421
1549
85454
0
3195
0
0
23597
0
0
553203
No. of
policies
2389.34 3242852
24.36
9144
521.73
760118
847.38 2049721
333.36
610361
173.47
112899
2147.86 1908101
816.55
558208
202.05
343550
241.42
166485
584.49
644904
1784.31 2561092
1704.62 1824109
874.89 1626337
4746.58 4278404
33.25
25966
35.08
17409
20.17
3342
25.64
14884
806.55 1198091
1163.92
812330
1005.02 1846547
21.87
12491
2413.37 2645872
63.69
96027
2373.15 4079654
283.54
455125
2579.66 3775698
4.14
15687
167.34
151364
4.05
828
9.61
4386
1997.66 1114700
0.38
98
41.44
45492
30441.94 37012277
State Total (Private)

No. of
Prempolicies
ium
40.49
892133
0.00
5106
70.48
252949
33.01
491450
10.72
118528
2.63
31037
67.40
556082
29.53
244213
7.89
75838
0.00
80263
36.14
227756
32.17
624866
61.11
369727
11.70
340372
199.38 1349713
0.00
66038
0.39
9602
0.79
3279
0.00
4824
49.06
413624
14.36
325897
33.39
404955
0.00
5127
79.47
784099
8.55
35990
54.50 1052806
3.22
121651
199.72 1691685
0.00
1779
7.95
47589
0.00
1328
0.000
512
63.12
451093
0.000
149
0.00
12332
1117.18 11094391
TATA AIG
No. of
Prempolicies
ium
Premium
5935.93
39.51
1379.42
2459.16
749.54
433.40
5623.17
1634.80
879.75
620.93
1486.40
4818.71
4645.81
3200.27
12570.95
109.66
89.36
37.74
54.85
2021.38
2447.18
3295.11
48.43
6568.47
238.88
7685.31
963.77
7662.28
31.90
723.72
4.94
28.03
4561.31
0.56
123.41
83174.03
State Total (Industry)

No. of
Prempolicies
ium
3546.59 4134985
15.15
14250
857.69 1013067
1611.78 2541171
416.18
728889
259.93
143937
3475.31 2464183
818.25
802421
677.70
419388
379.51
246749
901.91
872659
3034.40 3185958
2941.19 2193836
2325.38 1966708
7824.37 5628117
76.41
92004
54.28
27011
17.57
6620
29.21
19707
1214.83 1611715
1283.26 1138228
2290.09 2251502
26.56
17618
4155.10 3429971
175.19
132017
5312.16 5132460
680.23
576776
5082.61 5467384
27.76
17466
556.38
198953
0.89
2156
18.42
4897
2563.65 1565792
0.178
247
81.97
57825
52732.09 48106668
LIC #
104
0
0
0
0
0
0
0
0
0
0
0
0
0
0
11
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
11
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
15.09
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
15.09
0
0
0
0
0
0
0
0
0
0
0
0
0
0
22679
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
22679
Aegon Religare
No. of Premium
Lives
schemes
Covered
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
Daman & Diu
Delhi
Lakshadweep
Puducherry
Company Total
18
0
0
0
0
0
9
39
0
0
0
12
0
0
28
0
0
0
0
0
0
0
0
3
0
0
0
16
0
0
0
0
27
0
0
152
No. of
schemes
Lives
Covered
21.15 1271612
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
3.81
1370
6.16
50886
0.00
0
0.00
0
0.00
0
5.03
12569
0.00
0
0.00
0
32.99
34464
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
-12
0.00
0
0.00
0
2.48
2733
0.00
0
0.00
0
0.00
0
1.62
34760
0.000
0
0.00
0
0.00
0
0.00
0
5.83
15355
0
0
0.00
0
79.08 1423737
Aviva
Premium
265
0
2
17
8
2
55
10
2
1
8
64
19
13
168
0
0
0
0
8
11
4
0
692
1
36
3
45
0
2
0
0
62
0
0
1498
Lives
Covered
127.54 15637230
0.00
0
3.16
17733
4.57
2410
0.60
2598
0.08
1430
13.00
37225
8.33
15312
1.06
1813
0.82
1688
1.34
2975
40.49 573987
131.22
23601
4.61
36841
384.62 947204
0.00
0
0.00
0
0.00
0
0.00
0
1.02
4962
14.01
25921
36.05
87086
0.00
0
14.05 2187583
0.01
120
33.39 331512
0.58
1314
27.28
67756
0.00
0
2.83
925
0.00
0
0.00
0
23.26
97858
0.00
0
0.00
0
873.90 20107084
Bajaj Allianz
No. of Premium
schemes
0
0
0
0
0
0
0
0
0
0
0
0
0
0
6
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
6
No. of
schemes
0.33
0.000
0.001
0.05
0.56
0.346
4.48
0.02
0.00
0.000
0.03
0.51
0.23
0.97
5.90
0.00
0.00
0.00
0.00
0.12
0.25
1.01
0.00
0.92
0.0000
0.20
0.15
0.95
0.00
0.04
0.00
0.00
3.01
0.00
0.00
20.09
Bharti AXA
Premium
284
0
6
71
261
129
2724
1234
2
0
51
844
199
813
2196
0
0
0
0
34
3116
2529
0
1085
0
967
97
307
0
1
0
0
718
0
0
17668
Lives
Covered
22
0
0
0
0
1
3
30
5
1
1
42
0
9
59
0
0
0
0
2
1
15
0
7
0
16
1
16
0
2
0
0
13
0
0
246
No. of
schemes
28.28
0.00
0.00
0.00
0.01
0.93
23.40
17.39
2.19
0.002
0.01
81.66
0.00
0.05
147.74
0.00
0.00
0.000
0.00
20.06
0.06
5.17
0.000
26.58
0.00
1.28
0.00
59.51
0.00
0.16
0.00
0.00
21.81
0.00
0.00
436.28
Birla Sunlife
Premium
66206
0
0
0
349
200
29341
31301
1437
53
17
272981
7
6041
135070
0
0
0
0
7106
2106
110801
0
9948
0
14649
75
40730
0
3695
0
0
13539
0
0
745652
Lives
Covered
STATE WISE GROUP NEW BUSINESS UNDERWRITTEN
0
0
0
0
0
0
0
1
1
0
0
4
0
0
2
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
9
0.00
0.00
0.00
0.00
0.00
0.00
0.00
1.00
5.00
0.000
0.00
59.29
0.00
0.00
53.50
0.00
0.00
0.000
0.00
0.00
0.00
0.00
0.000
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
6.05
0.00
0.00
124.84
Canara HSBC
No. of Premium
schemes
0
0
0
0
0
0
0
499
62
0
0
56368
0
0
43189
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
4033
0
0
104151
Lives
Covered
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
1
0
0
0
0
0
0
0
1
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.01 10010
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.01 10010
DLF Pramerica
No. of Premium Lives
schemes
Covered
STATEMENT 8
105
0
0
0
0
0
0
0
0
0
0
23
0
0
36
0
0
0
0
0
0
0
0
0
0
0
0
6
0
0
0
0
45
0
0
110
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
9.29 2106071
0.00
0
0.00
0
12.63
19912
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.09
323
0.00
0
0.00
0
0.00
0
0.00
0
16.01
38469
0.00
0
0.00
0
38.02 2164775
Future Generali
No. of Premium
Lives
schemes
Covered
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
Daman & Diu
Delhi
Lakshadweep
Puducherry
Company Total
0
1
0
0
5
5
2
0
0
0
31
1
0
110
0
0
0
0
4
0
0
0
53
0
0
0
17
0
1
0
0
51
0
0
290
No. of
schemes
0
3.11
0.00
0.00
3.02
4.10
13.30
0.00
0.00
0.00
76.12
0.00
0.03
247.83
0
0.00
0
0
16.06
0.00
0.52
0.00
9.64
0.00
7.02
0.00
55.38
0
0.53
0
0
131.63
0
0.00
570.88
HDFC Std
Premium
0
13000
0
0
744
7380
2342
0
0
840
60343
13
0
234280
0
0
0
0
14060
0
0
0
77856
0
0
0
37997
0
290
0
0
269335
0
0
719353
Lives
Covered
ICICI Pru
Premium
Lives
Covered
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
7
1.08
13957
9
17.68
14689
1
2.54
85
0
0.00
0
0
0.00
0
0
0.00
0
41 134.40 942306
0
0.00
0
0
0.00
0
80 1313.07 1126792
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
1
5.33
6
0
0.00
0
24
42.10 172860
0
0.00
0
0
0.01
1
1
0.06
4
13
60.00 195746
0
0.00
0
1
0.30
24
0
0.00
0
0
0.00
0
45 851.10 646377
0
0.00
0
0
0.00
0
230 2439.54 3136447
No. of
schemes
0
0
0
0
0
1
0
0
0
0
0
3
0
1
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
3
0
0
9
No. of
schemes
0.00
0.00
0.00
0.00
0.00
0.14
0.00
0.00
0.00
0.00
0.05
1.64
0.06
8.01
0.00
0.00
0.00
0.00
0.00
0.00
0.03
0.00
0.00
0.00
0.04
0.00
0.00
0.00
0.00
0.00
0.00
1.75
0.00
0.00
11.72
IDBI Federal
Premium
0
0
0
0
0
41840
0
0
0
0
14906
51616
33762
16813
0
0
0
0
0
0
5660
0
0
0
11830
0
0
0
0
0
0
519878
0
0
696305
Lives
Covered
0
0
0
0
0
2
0
1
0
0
2
0
1
13
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
1
0
0
38
No. of
schemes
Lives
Covered
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
100.02
16291
0.00
0
0.03
13
0.00
0
0.00
0
0.01
2561
0.00
0
0.00
60
8.42
20446
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.11
160
0.00
0
0.00
83
0.00
0
0.00
0
191.15 1296914
INDIA FIRST
Premium
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
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
7.12
0.00
0.00
0.08
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.14
0.00
0.00
7.34
ING Vysya
No. of Premium
schemes
0
0
0
0
0
0
0
0
0
0
1371
0
0
138
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1509
Lives
Covered
0
0.00
0
0
0.00
41
3
0.05
9381
0
0.00
0
1
0.00
106
22
2.17 27333
44 10.24 116741
1
0.00
251
0
0.00
0
2
0.04 14599
180 54.08 367152
0
0.92
503
3
0.00
374
208 161.00 800638
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
3
0.16 41963
0
0.00
0
2
0.04
270
0
0.00
0
35 17.89 128652
0
0.00
0
18
2.51 139188
2
0.12
6623
16
5.96 31498
0
0.00
0
0
0.00
0
1
0.00
61
0
0.00
0
83 28.87 65969
0
0.00
0
0
0.00
0
661 287.81 1958568
Kotak Mahindra
schemes
Covered
106
73
0
0
0
0
0
37
103
0
0
1
82
2
2
267
0
0
0
0
0
2
0
0
24
0
31
0
6
0
1
0
0
81
0
0
712
53.80 7824039
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.38
20782
16.66 102569
0.00
0
0.00
0
0.00
844
2.11
40717
0.19
62870
0.02
1160
48.03 422809
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
42
0.00
0
0.00
0
0.72
10060
0.00
0
0.28
10528
0.00
0
0.03
2195
0.00
0
0.00
182
0.00
0
0.00
0
3.31
90029
0.00
0
0.00
0
125.54 8588826
Max NewYork
No. of Premium
Lives
schemes
Covered
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
Daman & Diu
Delhi
Lakshadweep
Puducherry
Company Total
88
0
3
1
1
0
16
8
0
1
0
39
2
2
82
0
0
0
0
2
0
4
0
16
0
15
7
4
0
0
0
0
16
0
0
307
No. of
schemes
Lives
Covered
10.24 918251
0.00
0
1.90
15246
0.09
75
0.02
63
0.02
246
1.62
70843
6.02
27267
0.00
1
4.92
9293
0.03
22
8.20 469783
0.24
8982
1.41
74201
11.30 524166
0.00
0
0.00
0
0.00
0
0.00
0
0.13
236
0.20
18
5.16
32196
0.00
0
8.82 160764
0.00
0
0.71
24404
0.12
34738
0.42
2987
0.00
0
0.02
10
0.00
0
0.00
823
8.58
54055
0.00
0
0.00
2
70.15 2428672
MetLife
Premium
30
0.00
1
2
0
0
28
0
0
0
0
34
0
89
3
0.00
0
0
0
21
0
0
0
116
0
0
0
0
0.00
0
0.00
0.00
58
0.00
0
382
3.52
0.10
0.10
0.02
0.58
-0.030
3.95
0.49
-0.01
0.10
0.04
3.33
0.00
18.63
0.38
0.00
0.03
0.02
1.01
0.92
0.76
-0.01
0.01
313.72
0.00
0.10
0.01
1.39
0.00
0.10
0.00
0.00
27.09
0.00
0.00
376.35
179749
1
156
206
10
0
21471
19
0
2
12
14249
0
1623
311239
0
2
1
3
14610
8
20
1
122716
1
6
0
34406
0
6
0
0
137341
0
0
837858
Reliance Life
No. of Premium
Lives
schemes
Covered
0
0
0
2
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
0
0
0
4
0
0
0
0
0
0
0
0
0
8
No. of
schemes
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
0.00
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
0.02
Sahara
Premium
0
0
0
540
0
0
56
0
0
0
0
0
0
0
0
0
0
0
0
0
0
77
0
0
0
435
0
0
0
0
0
0
0
0
0
1108
Lives
Covered
SBI Life
Premium
Lives
Covered
25 211.86 200938
0
0.80
3931
1
92.42
44087
2
11.53
85141
3
10.46
14493
0
2.47
4058
20
87.48 109935
9
68.60
18378
1
3.80
7424
0
1.30
7045
0
10.86
32265
13 205.81
98492
6 160.97
33381
3
24.46
58149
69 760.02 234293
0
0.55
2607
2
3.91
7020
1
1.64
2367
0
0.75
4244
4
34.18
62632
2
15.18
27695
1
35.07
39557
0
0.53
1410
25 272.65
82972
0
0.69
3487
12
71.65 141838
1
15.73
17845
13 404.16
49307
0
0.59
598
9
43.88
6454
0
0.05
87
0
0.55
251
22 227.08 101359
0
0.00
5
0
1.35
1583
244 2783.02 1505328
No. of
schemes
0
0
0
0
0
0
0
0
0
0
0
3
0
0
1
0
0
0
0
0
0
0
0
8
0
0
0
0
0
0
0
0
0
0
0
12
Lives
Covered
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.000
0
0.00
0
0.00
0
3.43 357563
0.00
0
0.00
0
88.27 352022
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.000
0
0.53 59914
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.000
0
0.00
0
0.00
0
0.00
0
0.00
0
92.23 769499
Shriram
No. of Premium
schemes
12
0.15
6013
0
0.00
0
1
0.36
1
2
0.01
118
0
0.00
0
0
0.00
0
1
0.01
111
0
0.00
0
0 0.000
0
0
0.00
0
1 10.00
804
2
0.42
7
0
0.01
2718
0
0.00
0
20 126.51 120329
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
2
5.52
1037
1
0.00
52
3
0.01
1180
0 0.000
0
21
2.31 197759
0
0.00
0
2 22.27
2233
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0 0.000
0
0
0.00
0
4
0.94 21632
0
0.00
0
0
0.00
0
72 168.52 353994
Star Union
schemes
Covered
No. of
schemes
Tata AIG
Premium
Andhra Pradesh
3
38.51
Arunachal Pradesh
0
0.00
Assam
0
0.34
Bihar
0
0.28
Chattisgarh
0
1.30
Goa
0
0.05
Gujarat
1
1.10
Haryana
5
7.67
Himachal Pradesh
0
0.08
Jammu & Kashmir
0
0.06
Jharkhand
1
1.34
Karnataka
11
15.49
Kerala
0
0.45
Madhya Pradesh
0
1.67
Maharashtra
35
98.24
Manipur
0
0.11
Meghalaya
0
0.04
Mizoram
0
0.00
Nagaland
0
0.00
Orissa
0
1.45
Punjab
0
1.53
Rajasthan
2
7.07
Sikkim
0
0.02
Tamil Nadu
3
2.29
Tripura
0
0.04
Uttar Pradesh
0
4.28
UttraKhand
0
0.76
West Bengal
12
25.34
0
0.00
Chandigarh
0
0.00
0
0.00
Daman & Diu
0
0.00
Delhi
16
5.51
Lakshadweep
0
0.00
Puducherry
0
0.00
Company Total
89
215.04
12144
0
3382
442
2722
20
5701
11170
181
70
1208
228435
2049
2521
323141
104
144
2
0
6046
3580
11374
31
15846
69
2847
597
34157
0
0
0
0
13712
0
14
681709
Lives
Covered
606
0
9
29
12
16
210
252
11
3
14
583
33
122
1199
0
2
1
0
46
17
34
0
1027
1
134
15
165
0
16
2
0
528
0
0
5087
No. of
schemes
596.19
0.90
101.41
16.61
13.52
7.96
263.33
158.41
12.16
7.20
23.67
706.85
295.86
51.91
3523.64
0.65
3.97
1.66
1.77
79.63
31.99
95.46
0.56
714.70
0.73
143.73
17.54
642.14
0.59
47.85
0.17
0.55
1361.95
0.00
1.36
8926.63
27605464
3932
93652
98384
20496
20890
407092
377803
11184
18151
53637
5620705
185939
215545
5691820
2711
7166
2370
4247
152686
62526
290756
1442
3230748
3677
680438
61293
542179
598
11587
308
1074
2089742
5
1599
47571846
State Total (Private)

Premium
Lives
Covered
1685
0
1047
589
526
91
982
171
601
112
329
1903
1205
2052
2369
12
4
1
1
800
405
1074
1
2945
66
2478
307
2885
0
239
0
0
603
0
26
25509
No. of
schemes
2179.52
0.00
161.76
67.26
401.66
70.73
867.36
37.09
27.27
175.85
315.12
5504.79
566.72
207.07
9960.64
0.60
0.58
0.21
0.10
299.42
71.95
248.33
0.55
1701.89
12.33
408.28
80.58
1981.85
0.00
171.92
0.00
0.00
8702.19
0.000
8.95
34232.58
LIC #
Premium
Lives
Covered
12245823
0
196813
1021787
218918
40154
1052315
51496
43393
37600
38032
2175943
733728
1676047
3253381
1660
340
180
12
111957
260019
1973091
54
2978056
32712
1035255
100788
5584063
0
119322
0
0
631846
0
45414
35660199
2291
0
1056
618
538
107
1192
423
612
115
343
2486
1238
2174
3568
12
6
2
1
846
422
1108
1
3972
67
2612
322
3050
0
255
2
0
1131
0
26
30596
No. of
schemes
2775.71
0.90
263.17
83.86
415.19
78.70
1130.69
195.50
39.43
183.05
338.79
6211.63
862.58
258.98
13484.27
1.25
4.55
1.87
1.87
379.05
103.95
343.79
1.11
2416.60
13.06
552.01
98.12
2623.99
0.59
219.78
0.17
0.55
10064.14
0.00
10.31
43159.21
Lives
Covered
39851287
3932
290465
1120171
239414
61044
1459407
429299
54577
55751
91669
7796648
919667
1891592
8945201
4371
7506
2550
4259
264643
322545
2263847
1496
6208804
36389
1715693
162081
6126242
598
130909
308
1074
2721588
5
47013
83232045
State Total (Industry)

Premium
107
108
Additions* Deletions**
Business
In force
as at
31-03-2011
940.70
1036.46
156.83
1820.33
600.21
1546.93
207.85
1939.29
61.64
124.19
33.92
151.91
993.18
649.26
790.46
851.98
1497.30
313.84
213.61
1597.52
971.50
619.78
501.55
1089.73
432.07
225.62
82.85
574.84
1342.27
583.91
210.71
1715.47
230.13
117.89
77.65
270.37
162.71
134.56
32.08
265.20
578.74
289.49
78.78
789.45
740.49
313.56
235.17
818.89
116.27
54.72
21.19
149.80
39.80
42.02
9.41
72.41
44.79
93.94
20.65
118.08
178.47
257.18
69.14
366.51
47.45
76.52
4.47
119.50
0.81
14.72
0.22
15.31
14.83
42.12
2.77
54.18
1.40
22.29
2.86
20.83
12.23
29.30
4.55
36.99
0.00
0.70
0.00
0.70
9006.99
6589.00
2756.71 12839.28
226057.89 35392.04 21068.70 240381.23
235064.88 41981.04 23825.41 253220.51
Business
In force
as at
01-04-2010
Life Business
6.90
0.00
0.28
0.14
79.94
57.34
89.20
6.53
0.76
5.91
133.22
19.32
0.31
0.01
0.00
3.95
0.00
0.00
0.00
0.00
0.01
0.00
403.82
2779.84
3183.66
1.27
14.59
0.72
0.94
9.25
3.27
24.26
0.24
0.14
1.02
15.36
1.06
0.06
0.01
0.34
1.70
0.47
0.00
0.37
0.00
0.10
0.00
75.17
255.81
330.98
0.40
0.72
0.03
0.08
8.00
1.77
5.03
0.65
0.06
0.42
9.80
0.72
0.01
0.00
0.03
0.15
0.00
0.00
0.00
0.00
0.00
0.00
27.88
286.39
314.27
7.77
13.87
0.97
1.00
81.19
58.84
108.43
6.12
0.84
6.50
138.79
19.66
0.36
0.02
0.31
5.50
0.47
0.00
0.37
0.00
0.11
0.00
451.11
2749.26
3200.37
Business
In force
as at
31-03-2011
General Annuity and Pension Business
Business
In force
as at
01-04-2010
* 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 31.03.2011
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
31-03-2011
Linked
Business #
69.10
6689.62
17.80
3261.82
0.00
711.01
6.13
2130.42
15.44
1893.61
66.41
4944.66
0.00
631.16
24.14
1613.53
3.42
578.26
0.00
878.33
0.14
3548.98
78.59
999.69
0.00
167.49
0.00
248.43
8.28
266.35
0.00
178.75
0.57
129.07
0.00
200.02
11.85
72.21
0.00
33.11
0.00
150.93
0.00
168.66
301.86 29496.11
0.00 42461.91
301.86 71958.02
Business
In force
as at
31-03-2011
Non-Linked
Health Business
INDIVIDUAL BUSINESS (WITHIN INDIA) - BUSINESS IN FORCE (NUMBER OF POLICIES)
0.00 8586.82
46.44 5279.22
0.00
863.89
7.42 2996.95
0.00 3587.76
91.83 6251.47
0.00 1314.43
0.00 3359.26
0.00
852.88
0.00 1150.03
0.00 4477.35
16.57 1933.40
0.00
317.65
0.00
320.86
0.00
393.02
0.00
550.76
0.00
249.61
0.00
215.34
0.00
138.61
0.00
53.94
0.00
188.02
0.00
169.36
162.26 43250.62
343.81 285936.21
506.07 329186.83
Linked
Total
Health
Business
Business
Business
In force
In force
as at
as at
31-03-2011 31-03-2011
(Policies in 000)
STATEMENT 9
109
Business
In force
as at
31-03-2011
19098.07 23556.07
4599.52 38054.62
8722.92 16074.80
2748.07 22049.65
3146.38
8332.02
1280.41 10197.99
6543.55 10843.29
2332.70 15054.14
29563.37
9024.05
3211.77 35375.65
27346.81 16213.74
7282.22 36278.33
8198.31
4434.63
1494.12 11138.82
41554.02 16478.34
8736.97 49295.39
9336.34
4803.10
2190.90 11948.54
8738.16 13249.97
2256.58 19731.54
18017.96 14914.44
3207.66 29724.73
14845.86
5908.21
2097.29 18656.78
1700.11
855.42
399.19
2156.34
989.07
1190.87
294.06
1885.88
1411.51
3566.01
1163.75
3813.76
4179.38 12942.93
1627.50 15494.81
5062.76
6310.15
252.04 11120.87
366.27
722.80
59.00
1030.08
3287.37
7273.53
664.44
9896.46
113.73
572.32
163.73
522.32
230.12
582.28
79.50
732.90
0.00
111.41
0.08
111.34
212452.07 177960.38 46141.49 344270.96
2061033.71 566582.84 192220.72 2435395.83
2273485.78 744543.22 238362.21 2779666.79
Business
In force
as at
01-04-2010
Life Business
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
0.00
0.00
0.67
0.00
5344.89
46926.56
52271.46
22.51
0.00
14.08
1.16
433.64
97.03
261.00
4.70
5.43
52.66
42.99
28.51
2.63
0.07
28.17
0.28
0.00
0.00
9.36
0.00
8.01
0.00
1012.23
11195.96
12208.20
16.54
0.00
0.41
0.00
183.01
83.83
21.53
13.10
1.31
17.08
19.45
14.26
0.53
0.04
2.34
0.00
0.00
0.00
0.00
0.00
0.00
0.00
373.41
6525.20
6898.62
225.12
0.00
15.57
1.23
1830.38
1565.07
599.36
124.93
19.50
259.38
839.98
448.13
9.52
0.16
25.83
1.51
0.00
0.00
9.36
0.00
8.68
0.00
5983.71
51597.32
57581.03
Business
In force
as at
31-03-2011
General Annuity and Pension Business
Business
In force
as at
01-04-2010
* 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 31.03.2011
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
2822.22
384.79
0.00
704.37
376.69
11585.16
0.00
459.77
23.22
0.00
4.99
5142.50
0.00
0.00
146.85
0.00
0.20
0.00
491.76
0.00
0.00
0.00
22142.52
0.00
22142.52
Business
In force
as at
31-03-2011
Non-Linked
Health Business
164151.46
38235.54
26458.59
113593.80
73239.17
127584.04
11252.72
48743.36
35064.46
27294.68
56779.09
33626.02
2712.42
6019.73
6071.22
4707.65
3248.85
12373.72
2964.96
1250.19
2931.25
2722.10
801025.02
178478.63
979503.65
Business
In force
as at
31-03-2011
Linked
Business #
INDIVIDUAL BUSINESS (WITHIN INDIA) - BUSINESS IN FORCE (SUM ASSURED)
0.00
969.83
0.00
741.60
0.00
175.56
0.00
0.00
0.00
0.00
0.00
2939.84
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
4826.83
12497.82
17324.65
205253.41
61639.81
36672.14
130095.15
110821.90
177188.15
22990.91
98623.45
47055.71
47285.60
87348.79
60813.27
4878.28
7905.77
10057.66
20203.97
14369.93
13403.80
13362.53
1772.51
3672.84
2833.44
1178249.04
2677969.60
3856218.64
Linked
Total
Health
Business
Business
Business
In force
In force
as at
as at
31-03-2011 31-03-2011
(` Crore)
STATEMENT 10
LIC
ING Vysya
HDFC Standard
Birla Sunlife
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 Total
Industry Total
Insurer
Total Premium
Single First Year Renewal
36265.36 50746.99 87012.35 116461.05

634.13
26.35
660.49 1048.46
3339.05
720.28 4059.33 4944.85
2029.27
51.04 2080.30 3596.76
5692.69 2169.45 7862.14 10018.49
856.98
396.16 1253.14 1722.37
1107.71
224.50 1332.21 2653.01
3374.19 4198.21 7572.39 5339.25
2312.09 1153.73 3465.82 6144.13
1774.99
286.40 2061.39 3751.24
553.81
152.40
706.22 1801.95
2284.63
750.31 3034.94 3536.21
655.74
89.65
745.39 1599.79
48.30
43.52
91.83
151.58
159.43
412.55
571.99
249.54
321.76
26.03
347.78
444.23
366.86
81.75
448.61
277.55
263.58
181.37
444.95
366.05
796.71
20.57
817.29
714.57
251.14
23.73
274.87
113.74
69.15
5.00
74.15
20.89
343.79
414.90
758.69
174.62
428.21
276.56
704.77
93.66
27664.19 11704.46 39368.65 48762.94
63929.55 62451.45 126381.00 165223.99
Regular
Regular
Linked Premium
Total
Regular
Non-Linked Premium
Total
STATEMENT 11
203473.40 3103.62 23398.56 26502.19 12694.60 39196.78 33161.73 27348.43 60510.16 103766.45 164276.61
1708.95
126.29
19.06
145.35
702.12
847.47
507.84
7.29
515.13
346.34
861.47
9004.17 2937.32
556.22 3493.54 3898.47 7392.01
401.73
164.05
565.79 1046.37 1612.16
5677.07 1726.41
23.29 1749.70 3550.68 5300.38
302.86
27.75
330.60
46.08
376.68
17880.63 4178.18 1904.66 6082.84 9564.93 15647.77 1514.51
264.79 1779.30
453.56 2232.86
2975.51
605.42
277.44
882.87 1603.25 2486.11
251.55
118.72
370.27
119.12
489.40
3985.22
712.79
162.54
875.34 1985.75 2861.09
394.92
61.96
456.87
667.26 1124.13
12911.64 2502.60 1963.38 4465.98 4583.52 9049.49
871.59 2234.83 3106.41
755.74 3862.15
9609.95 1295.01 1141.26 2436.27 5543.65 7979.93 1017.08
12.47 1029.55
600.48 1630.02
5812.63
763.33
94.55
857.88 2662.68 3520.56 1011.66
191.85 1203.51 1088.56 2292.07
2508.17
339.62
139.58
479.20 1446.71 1925.91
214.20
12.82
227.02
355.24
582.26
6571.15 1012.40
719.62 1732.02 3326.71 5058.73 1272.22
30.70 1302.92
209.50 1512.42
2345.17
431.54
88.32
519.86 1567.21 2087.07
224.20
1.33
225.53
32.57
258.10
243.41
18.34
43.52
61.86
90.13
151.99
29.97
0.00
29.97
61.45
91.42
821.52
113.05
322.91
435.96
223.58
659.53
46.38
89.65
136.03
25.96
161.99
792.02
250.81
4.61
255.42
437.95
693.37
70.95
21.42
92.36
6.28
98.65
726.16
91.07
79.47
170.54
200.36
370.90
275.79
2.28
278.06
77.20
355.26
811.00
113.22
173.44
286.66
283.52
570.18
150.35
7.93
158.28
82.53
240.82
1531.86
644.82
5.28
650.10
713.36 1363.46
151.89
15.29
167.19
1.21
168.40
388.61
176.01
21.79
197.80
105.58
303.38
75.14
1.93
77.07
8.16
85.23
95.04
46.28
5.00
51.28
20.75
72.03
22.87
0.00
22.87
0.14
23.01
933.31
189.58
353.50
543.09
160.26
703.35
154.21
61.39
215.60
14.36
229.96
798.43
405.34
261.57
666.91
93.66
760.57
22.87
14.98
37.86
0.00
37.86
88131.60 18679.43 8361.02 27040.46 42764.83 69805.28 8984.76 3343.43 12328.19 5998.12 18326.31
291604.99 21783.06 31759.59 53542.64 55459.42 109002.07 42146.49 30691.86 72838.36 109764.57 182602.93
Total
LINKED AND NON-LINKED PREMIUM OF LIFE INSURERS FOR 2010-11
110
Total Premium
Total
111
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
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
5505.66
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
6333.92 10194.83 16528.75
2545.65
7005.10
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
3842.34 38372.01 40997.93 79369.94 28921.13
38.85
264.63
1.38
3.95
18.45
115.02
9.15
32.35
150.50
42.29
54.10
290.62
74.54
201.60
879.75
758.93
48.39
250.22
275.49
2960.01
3747.60
1642.65
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
5608.54
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
97.95
29.85
507.45
314.79
924.28
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
162.34
1.82
57.61
8.90
6532.82
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
260.29
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
708.37
62.47
1231.47
591.90
4578.32 11111.14
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
448.08
30.80
666.41
268.21
60714.15 49179.76 109893.91 155553.34 265447.25 33761.61 26163.84 59925.45 55595.51 115520.96 26952.54 23015.92 49968.46 99957.83 149926.29
6058.43
ICICI Prudential
42.75
3257.51
1000.22
Regular
Industry Total
2917.26
Birla Sunlife
273.62
642.43
Total
34529.67
2983.89
HDFC Standard
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
Private Total
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
LIC
ING Vysya
HDFC Standard
Birla Sunlife
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 Total
Grand Total
Insurer
1017.55
19.56
327.33
299.62
411.24
83.71
138.77
402.87
284.50
205.70
44.11
141.31
63.49
8.25
28.41
29.83
11.67
16.51
141.63
11.46
4.93
29.27
26.23
2730.42
3747.96
Commission
2.60
2.31
4.43
5.65
2.63
3.37
4.85
4.45
3.57
5.84
2.29
2.79
3.04
5.43
4.31
4.30
3.15
2.90
10.39
3.78
6.84
4.16
3.45
3.91
3.44
7.65 12291.13
14.98 111.01
68.65 149.48
78.73
80.96
73.35 149.44
64.31
46.45
56.35 107.51
60.03 268.19
46.15 331.98
38.10 334.20
50.52
43.21
27.45 373.49
62.84
37.55
37.37
13.83
68.52
13.05
75.64
9.61
12.18
84.11
24.78
50.12
93.30
10.17
52.32
10.44
50.70
4.79
72.84
10.92
97.45
0.69
54.92 2241.20
20.50 14532.33
Total
7.48
12.86
9.27
21.49
6.69
9.49
9.56
6.94
20.37
14.58
7.42
24.69
14.55
15.13
8.06
9.74
23.68
20.81
6.04
12.25
20.83
4.75
1.81
12.23
7.96
92.35 13308.68
85.02 130.58
31.35 476.81
21.27 380.58
26.65 560.68
35.69 130.17
43.65 246.28
39.97 671.05
53.85 616.47
61.90 539.90
49.48
87.32
72.55 514.80
37.16 101.04
62.63
22.08
31.48
41.46
24.36
39.43
87.82
95.78
75.22
66.63
6.70 151.80
47.68
21.91
49.30
9.72
27.16
40.19
2.55
26.92
45.08 4971.61
79.50 18280.29
6.54 1481.14
7.95
57.46
5.30 337.33
6.70 510.61
3.14 561.91
4.37 160.83
6.18 230.69
5.20 534.39
6.41 803.43
9.29 273.42
3.48 231.96
7.83 542.50
4.31 151.38
9.07
12.83
5.05
62.35
4.98
62.12
13.19
72.02
8.22
22.73
9.91 203.10
5.64
11.73
10.23
4.24
4.31
33.82
3.37
14.56
5.64 4895.41
6.27 6376.55
% to % of Total
Total % of Total Commission
Traditional Commission Commission Commission to
Premium
Total premium
2010-11
Traditional
% to
% to
ULIP
Total Commission
Premium Commission
ULIP
3.13
5.47
5.84
9.38
3.55
6.14
8.68
7.86
7.81
8.05
11.20
8.81
6.52
7.93
11.47
9.84
20.53
4.89
24.34
7.55
11.14
7.03
7.22
7.17
5.52
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
80.22 131.78
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
82.36 1048.31
35.32 11677.48
Total
(Commission ` Crore)
STATEMENT 12
7.66
10.69
15.28
8.94
5.77
2.84
5.99
3.99
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
9.43
7.79
87.77 12110.31
52.42 120.76
35.81 525.50
1.08 516.20
6.81 602.97
4.22 167.92
17.86 280.85
19.78 666.17
16.53 962.57
35.09 421.21
20.70 292.51
13.59 627.85
4.37 158.29
45.84
23.68
6.22
66.49
1.80
63.26
44.37 129.45
48.57
44.19
0.13 203.37
5.13
12.36
1.14
4.29
13.91
39.28
0.00
14.56
17.64 5943.72
64.68 18054.03
6.51
7.35
7.50
9.38
3.65
5.85
8.04
6.59
8.43
8.67
11.53
9.51
6.66
9.45
10.88
9.45
23.91
7.74
24.14
7.46
11.15
7.41
7.22
7.49
6.80
% to % to Total
Total % of Total
Traditional Commission Commission Commission to
Premium
Total Premium
2009-10
Traditional
% to
% to
ULIP
Total Commission
Premium Commission
ULIP
LINKED AND NON-LINKED COMMISSION OF LIFE INSURERS
112
144
161
1053
56
112
DLF Pramerica
Future Generali
HDFC Standard
ICICI Prudential
IDBI Federal
IndiaFirst
ING Vysya
14
Birla Sunlife
42
Bharti AXA
Canara HSBC
1527
59
Aviva
Bajaj Allianz
113
2.88
0.10
4.37
19.50
7.28
4.07
0.21
3.12
0.67
0.00
32.39
1.77
0.38
2181
184
363
14971
4418
1101
77
241
9818
787
25511
2206
126
30.92
2.54
9.50
199.27
81.03
21.03
1.47
8.75
212.36
14.51
363.61
44.42
7.12
2293
(100.00)
189
(100.00)
419
(100.00)
16024
(100.00)
4579
(100.00)
1245
(100.00)
82
(100.00)
283
(100.00)
9832
(100.00)
787
(100.00)
27038
(100.00)
2265
(100.00)
130
(100.00)
33.80
(100.00)
2.64
(100.00)
13.87
(100.00)
218.77
(100.00)
88.32
(100.00)
25.10
(100.00)
1.68
(100.00)
11.88
(100.00)
213.03
(100.00)
14.51
(100.00)
396.00
(100.00)
46.19
(100.00)
7.50
(100.00)
2075
(90.49)
155
(82.01)
272
(64.92)
15160
(94.61)
4369
(95.41)
629
(50.52)
42
(51.22)
201
(71.02)
9307
(94.66)
686
(87.17)
23980
(88.69)
1906
(84.15)
68
(52.31)
28.41
(84.05)
2.23
(84.45)
5.59
(40.30)
201.68
(92.19)
80.58
(91.24)
10.92
(43.51)
0.49
(29.40)
9.07
(76.36)
185.96
(87.29)
11.52
(79.36)
326.84
(82.53)
36.08
(78.12)
4.05
(54.00)
81
(3.53)
34
(17.99)
88
(21.00)
503
(3.14)
182
(3.97)
268
(21.53)
16
(19.51)
47
(16.61)
491
(4.99)
99
(12.58)
1913
(7.08)
277
(12.23)
58
(44.62)
2.15
(6.36)
0.41
(15.55)
5.59
(40.30)
9.95
(4.55)
6.35
(7.19)
6.36
(25.34)
0.55
(32.54)
1.85
(15.57)
25.11
(11.79)
2.73
(18.80)
46.26
(11.68)
7.37
(15.96)
3.17
(42.27)
18
(0.78)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0.44
(1.30)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
119
(5.19)
0
(0.00)
59
(14.08)
361
(2.25)
28
(0.61)
348
(27.95)
24
(29.27)
35
(12.37)
34
(0.35)
2
(0.25)
1145
(4.23)
82
(3.62)
4
(3.08)
2.80
(8.28)
0.00
(0.00)
2.69
(19.39)
7.14
(3.26)
1.39
(1.58)
7.82
(31.16)
0.64
(38.07)
0.96
(8.07)
1.96
(0.92)
0.27
(1.84)
22.91
(5.79)
2.74
(5.93)
0.28
(3.73)
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
Aegon Religare
Life Insurer
INDIVIDUAL DEATH CLAIMS
96
(80.67)
0
(0.00)
52
(88.14)
205
(56.79)
21
(75.00)
235
(67.53)
19
(79.17)
25
(71.43)
6
(17.65)
2
(100.00)
892
(77.90)
27
(32.93)
4
(100.00)
<3
months
21
(17.65)
0
(0.00)
5
(8.47)
65
(18.01)
1
(3.57)
71
(20.40)
5
(20.83)
6
(17.14)
8
(23.53)
0
(0.00)
90
(7.86)
7
(8.54)
0
(0.00)
2
(1.68)
0
(0.00)
1
(1.69)
13
(3.60)
3
(10.71)
27
(7.76)
0
(0.00)
1
(2.86)
8
(23.53)
0
(0.00)
41
(3.58)
20
(24.39)
0
(0.00)
0
(0.00)
0
(0.00)
1
(1.69)
78
(21.61)
3
(10.71)
15
(4.31)
0
(0.00)
3
(8.57)
12
(35.29)
0
(0.00)
122
(10.66)
28
(34.15)
0
(0.00)

>3 to <6 >6 to <12
>12
months
months
months
119
(100.00)
0
(0.00)
59
(100.00)
361
(100.00)
28
(100.00)
348
(100.00)
24
(100.00)
35
(100.00)
34
(100.00)
2
(100.00)
1145
(100.00)
82
(100.00)
4
(100.00)
Total
(Benefit Amount in ` Crore)
STATEMENT 13
114
306
6365
9527
15892
TATA AIG
Private Total
LIC
Industry Total
286.32
118.45
167.87
11.53
0.30
7.85
4.98
2.13
8.02
17.54
30.32
8.45
835642
729975
105667
3878
268
1098
9889
725
15956
1680
7686
2503
8000.08
6308.96
1691.12
71.27
3.75
17.39
144.55
7.20
167.01
50.26
173.58
59.58
Note: Figures in brackets show percentage of the respective total claims.
22
Star Union
220
Sahara
475
334
Reliance Life
Shriram
152
MetLife
142
1335
Max New York
SBI Life
197
851534
(100.00)
739502
(100.00)
112032
(100.00)
4184
(100.00)
290
(100.00)
1573
(100.00)
10031
(100.00)
945
(100.00)
16290
(100.00
1832
(100.00)
9021
(100.00)
2700
(100.00)
8286.40
(100.00)
6427.41
(100.00)
1858.99
(100.00)
82.80
(100.00)
4.05
(100.00)
25.24
(100.00)
149.53
(100.00)
9.33
(100.00)
175.03
(100.00)
67.80
(100.00)
203.90
(100.00)
68.03
(100.00)
813932
(95.58)
717529
(97.03)
96403
(86.05)
3428
(81.93)
234
(80.69)
876
(55.69)
8249
(82.24)
503
(53.23)
13254
(81.36)
1565
(85.43)
7033
(77.96)
2411
(89.30)
7595.24
(91.66)
6093.14
(94.80)
1502.10
(80.80)
61.36
(74.11)
2.86
(70.72)
11.63
(46.09)
138.84
(92.85)
4.49
(48.12)
119.46
(68.25)
54.51
(80.39)
148.04
(72.60)
57.49
(84.51)
17350
(2.04)
7384
(1.00)
9966
(8.90)
714
(17.07)
4
(1.38)
407
(25.87)
1678
(16.73)
136
(14.39)
1410
(8.66)
111
(6.06)
1344
(14.90)
105
(3.89)
336.24
(4.06)
109.41
(1.70)
226.83
(12.20)
19.59
(23.66)
0.16
(3.91)
7.45
(29.53)
5.37
(3.59)
1.57
(16.83)
28.14
(16.08)
4.19
(6.19)
37.36
(18.32)
5.17
(7.59)
3837
(0.45)
3786
(0.51)
51
(0.05)
0
(0.00)
0
(0.00)
0
(0.00)
1
(0.01)
7
(0.74)
21
(0.13)
4
(0.22)
0
(0.00)
0
(0.00)
48.52
(0.59)
47.54)
(0.74)
0.98
(0.05)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.01
(0.00)
0.07
(0.75)
0.40
0.23)
0.07
(0.10)
0.00
(0.00)
0.00
(0.00)
16415
(1.93)
10803
(1.46)
5612
(5.01)
42
(1.00)
52
(17.93)
290
(18.44)
103
(1.03)
299
(31.64
1605
(9.85)
152
(8.30)
644
(7.14)
184
(6.81)
306.40
(3.70)
177.32
(2.76)
129.08
(6.94)
1.85
(2.23)
1.03
(25.36)
6.15
(24.38)
5.32
(3.56)
3.20
(34.30)
27.03
(15.44)
9.03
(13.32)
18.50
(9.08)
5.37
(7.89)
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
8292
(50.51)
3954
(36.60)
4338
(77.30)
29
(69.05)
42
(80.77)
162
(55.86)
79
(76.70)
169
(56.52)
1389
(86.54)
117
(76.97)
629
(97.67)
138
(75.00)
<3
months
3253
(19.82)
2716
(25.14)
537
(9.57)
11
(26.19
7
(13.46)
67
(23.10)
6
(5.83)
69
(23.08)
43
(2.68)
30
(19.74)
9
(1.40)
16
(8.70)
2940
(17.91)
2685
(24.85)
255
(4.54)
2
(4.76
3
(5.77)
56
(19.31)
8
(7.77
51
(17.06)
2
(0.12)
5
(3.29)
0
(0.00)
12
(6.52)
1930
(11.76)
1448
(13.40)
482
(8.59)
0
(0.00)
0
(0.00)
5
(1.72)
10
(9.71)
10
(3.34)
171
(10.65)
0
(0.00)
6
(0.93)
18
(9.78)

>3 to <6 >6 to <12
>12
months
months
months
16415
(100.00)
10803
(100.00)
5612
(100.00)
42
(100.00)
52
(100.00)
290
(100.00)
103
(100.00)
299
(100.00)
1605
(100.00)
152
(100.00)
644
(100.00)
184
(100.00)
Total
115
67
41
Canara HSBC
DLF Pramerica
Future Generali
HDFC Standard
ICICI Prudential
IDBI Federal
0.00
2.27
0.10
1.74
0.00
0.00
0.00
0.00
2.06
0.01
0.00
987
4210
284
17507
30
1254
64
97869
10531
1.01
46.84
2.78
27.88
0.00
0.68
16.17
0.78
150.99
25.92
0.08
Claims intimated
/ booked
No of Benefit
Lives Amount
No of Benefit
Lives Amount
Claims paid
0.00
(0.00)
987
1.01
(100.00) (100.00)
4251
49.11
(100.00) (100.00)
285
2.88
(100.00) (100.00)
17574
29.62
(100.00) (100.00)
0
(0.00)
30
0.68
(100.00) (100.00)
1254
16.17
(100.00) (100.00)
64
0.78
(100.00) (100.00)
98242 153.05
(100.00) (100.00)
10535
25.93
(100.00) (100.00)
918
(93.00)
3976
(93.53)
283
(99.30)
7618
(43.35)
0
(0.00)
18
(60.00)
1247
(99.44)
59
(92.19)
98040
(99.79)
10502
(99.68)
0.79
(78.32)
45.06
(91.75)
2.78
(96.52)
16.72
(56.45)
0.00
(0.00)
0.18
(26.17)
15.87
(98.17)
0.51
(65.27)
150.73
(98.48)
25.79
(99.46)
2
0.08
2
0.08
(100.00) (100.00) (100.00) (100.00)
No of Benefit
Lives Amount
Total Claims
Bharti AXA
Birla Sunlife
373
Aviva
Bajaj Allianz
Claims pending
at start of year
No of Benefit
Lives Amount
Aegon Religare
Life Insurer
19
(1.93)
67
(1.58)
0
(0.00)
2
(0.011)
0
(0.00)
6
(20.00)
6
(0.49)
5
(7.81)
34
(0.03)
29
(0.28)
0
(0.00)
0.02
(1.69)
1.15
(2.35)
0.00
(0.00)
0.01
(0.03)
0.00
(0.00)
0.11
(16.27)
0.28
(1.73)
0.27
(34.73)
0.64
(0.42)
0.06
(0.25)
0.00
(0.00)
Claims
repudiated
No of Benefit
Lives Amount
0
(0.00)
33
(0.78)
2
(0.70)
0
(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)
0.16
(0.33)
0.10
(3.51)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
Claims written
back
No of Benefit
Lives Amount
GROUP DEATH CLAIMS
50
(5.07)
175
(4.12)
0
(0.00)
9954
(56.64)
0
(0.00)
6
(20.00)
1
0.08
0
(0.00)
168
(0.17)
4
(0.04)
0
(0.00)
0
(0.00)
<3
months
0
(0.00)
118
(70.24)
149
(85.14)
0
(0.00)
3796
(38.14)
0
(0.00)
4
(66.67)
0.20
50
(19.99) (100.00)
2.74
(5.58)
0.00
(0.03)
12.89
(43.52)
0.00
(0.00)
0.39
(57.57)
0.01
1
0.09 (100.00)
0.00
(0.00)
1.68
(1.10)
0.08
4
(0.29) (100.00)
0.00
(0.00)
Claims pending
at end of year
No of Benefit
Lives Amount
0
(0.00)
19
(10.86)
0
(0.00)
6113
(61.41)
0
(0.00)
2
(33.33)
0
(0.00)
0
(0.00)
36
(21.43)
0
(0.00)
0
(0.00)
0
(0.00)
6
(3.43)
0
(0.00)
9
(0.09)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
5
(2.98)
0
(0.00)
0
(0.00)
0
(0.00)
1
(0.57)
0
(0.00)
36
(0.36)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
9
(5.36)
0
(0.00)
0
(0.00)

duration wise (Lives)
>3 to <6 >6 to <12
>12
months
months
months
50
(100.00)
175
(100.00)
0
(0.00)
9954
(100.00)
0
(0.00)
6
(100.00)
1
(100.00)
0
(0.00)
168
(100.00)
4
(100.00)
0
(0.00)
Total
STATEMENT 14
116
1872
Industry Total
1023
220
1222
12766
17
1148
2760
45841
2564
204
321
1145
(96.87)
2551
(90.65)
45084
(96.98)
2426
(91.13)
166
(78.30)
307
(95.64)
26.36
(94.28)
46.28
(97.13)
73.42
(95.96)
44.88
(86.84)
1.52
(67.37)
1.73
(88.27)
1119
14.32
(100.00) (100.00)
220
3.00
(100.00) (100.00)
1234
20.05
(100.00) (100.00)
12800 191.41
(100.00) (100.00)
1069
(95.53)
202
(91.82)
1232
(99.84)
11936
(93.25)
666.31
(93.04)
13.20
(92.15)
1.79
(59.75)
20.03
(99.90)
178.54
(93.28)
17
0.05
17
0.05
(100.00) (100.00) (100.00) (100.00)
1182
27.96
(100.00) (100.00)
2814
47.64
(100.00) (100.00)
46488
76.51
(100.00) (100.00)
2662
51.68
(100.00) (100.00)
212
2.26
(100.00) (100.00)
321
1.96
(100.00) (100.00)
No of Benefit
Lives Amount
Claims paid
700.13 202293 716.16 188798

(100.00) (100.00) (93.33)
12.11
3.00
19.83
190.25
0.05
27.28
46.86
74.85
48.80
2.00
1.96
No of Benefit
Lives Amount
Total Claims
22.56 434329 2095.45 436201 2118.01 421930 2059.82

(100.00) (100.00) (96.73) (97.25)
6.53 233505 1395.32 233908 1401.85 233132 1393.51

(100.00) (100.00) (99.67) (99.41)
16.03 200824
2.21
0.00
0.22
1.16
0.00
0.67
0.78
1.66
2.88
0.26
0.00
Claims intimated
/ booked
No of Benefit
Lives Amount
403
LIC
96
TATA AIG
1469
Star Union
Private Total
12
34
Reliance Life
Shriram
54
MetLife
34
647
Max New York
SBI Life
98
Kotak Mahindra
ING Vysya
Sahara
Claims pending
at start of year
No of Benefit
Lives Amount
IndiaFirst
Life Insurer
2404
(0.55)
12
(0.01)
2392
(1.18)
32
(2.86)
9
(4.09)
2
(0.16)
767
(5.99)
0
(0.00)
9
(0.76)
46
(1.63)
1299
(2.79)
47
(1.77)
1
(0.47)
12
(3.74)
19.87
(0.94)
0.04
(0.00)
19.82
(2.77)
1.00
(7.02)
0.87
(28.87)
0.02
(0.10)
10.37
(5.42)
0.00
(0.00)
0.25
(0.90)
0.79
(1.67)
2.21
(2.88)
1.56
(3.02)
0.00
(0.04)
0.21
(10.71)
Claims
repudiated
No of Benefit
Lives Amount
266
(0.06)
0
(0.00)
266
(0.13)
13
(1.16)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
5
(0.42)
213
(7.57)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0.61
(0.03)
0.00
(0.00)
0.61
(0.09)
0.01
(0.05)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.10
(0.35)
0.24
(0.51)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
Claims written
back
No of Benefit
Lives Amount
GROUP DEATH CLAIMS
11601
(2.66)
764
(0.33)
10837
(5.36)
5
(0.45)
9
(4.09)
0
(0.00)
97
(0.76)
0
(0.00)
23
(1.95)
4
(0.14)
105
(0.23)
189
(7.10)
45
(21.23)
2
(0.62)
<3
months
37.71
(1.78)
8.30
(0.59)
29.41
(4.11)
0.11
(0.78)
0.34
(11.38)
0.00
(0.00)
2.50
(1.31)
0.00
(0.00)
1.25
(4.47)
0.33
(0.70)
0.88
(1.16)
5.24
(10.14)
0.74
(32.59)
5096
(43.93)
576
(75.39)
4520
(41.71)
2
(40.00)
7
(77.77)
0
(0.00)
80
(82.47)
0
(0.00)
4
(17.39)
3
(75.00)
104
(99.04)
169
(89.42)
27
(60.00)
0.02
2
(1.02) (100.00)
Claims pending
at end of year
No of Benefit
Lives Amount
6294
(54.25)
100
(13.09)
6194
(57.16)
0
(0.00)
0
(0.00)
0
(0.00)
6
(6.19)
0
(0.00)
0
(0.00)
1
(25.00)
0
(0.00)
11
(5.82)
6
(13.33)
0
(0.00)
115
(0.99)
74
(9.69)
41
(0.38)
2
(40.00)
2
(22.22)
0
(0.00)
3
(3.09)
0
(0.00)
0
(0.00)
0
(0.00)
1
(0.95)
3
(1.59)
10
(22.22)
0
(0.00)
96
(0.83)
14
(1.83)
82
(0.76)
1
(20.00)
0
(0.00)
0
(0.00)
8
(8.25)
0
(0.00)
19
(82.61)
0
(0.00)
0
(0.00)
6
(3.17)
2
(4.44)
0
(0.00)

duration wise (Lives)
>3 to <6 >6 to <12
>12
months
months
months
11601
(100.00)
764
(100.00)
10837
(100.00)
5
(100.00)
9
(100.00)
0
(0.00)
97
(100.00)
0
(0.00)
23
(100.00)
4
(100.00)
105
(100.00)
189
(100.00)
45
(100.00)
2
(100.00)
Total
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 NewYork
MetLife
Reliance Life
Sahara
SBI Life
Shriram
Star Union Dai-ichi
TATA AIG
Private Total
LIC
Industry Total
Life Insurer
32
1614
15469
348
9086
54
16
73
3384
12170
270
155
1344
1357
4093
956
10326
35
6572
195
58
2639
70246
553197
623443
1.96
28.25
188.09
3.51
168.09
2.26
0.20
0.83
48.92
117.85
5.51
2.23
16.53
23.09
77.09
26.08
78.90
0.42
94.90
1.86
0.44
40.49
927.48
4708.08
5635.56
Within 30 Days of
Intimation
No. of
Benefit
Policies
Amount
24
219
6717
218
204
77
18
238
720
1637
0
0
525
596
2585
446
2685
155
1528
365
122
674
19753
84312
104065
No. of
Policies
0.76
5.76
103.56
4.79
17.31
2.92
0.18
3.61
20.38
31.96
0.00
0.00
7.08
19.77
61.94
15.59
33.97
1.31
38.80
5.06
1.47
15.37
391.60
709.46
1101.06
Benefit
Amount
31 to 90 Days
8
32
1388
101
15
49
6
210
211
765
0
0
177
443
235
148
229
165
139
240
48
106
4715
45041
49756
No. of
Policies
1.17
0.95
26.52
2.67
0.48
2.04
0.10
3.53
8.17
23.81
0.00
0.00
3.66
13.08
6.03
12.57
6.15
1.37
4.58
3.51
0.88
5.06
126.32
378.43
504.75
Benefit
Amount
4
16
345
19
1
18
2
101
39
280
2
0
27
10
68
14
5
79
8
66
6
7
1117
26954
28071
No. of
Policies
0.16
0.25
7.65
0.55
0.03
1.74
0.02
2.48
1.16
19.63
0.08
0.00
1.07
0.89
1.73
0.25
0.24
0.78
0.27
0.94
0.08
0.40
40.40
228.67
269.07
Benefit
Amount
Duration
91 to 180 Days
181 Days to 1 Year
0
25
61
0
1
3
0
7
15
308
0
0
2
5
52
1
9
69
2
10
0
2
572
8025
8597
No. of
Policies
STATEMENT 15
0.00
0.87
1.02
0.00
0.05
0.12
0.00
0.47
1.95
8.43
0.00
0.00
0.06
0.67
1.25
0.02
0.20
0.61
0.29
0.27
0.00
0.04
16.30
68.50
84.80
Benefit
Amount
68
1906
23980
686
9307
201
42
629
4369
15160
272
155
2075
2411
7033
1565
13254
503
8249
876
234
3428
96403
717529
813932
4.05
36.08
326.84
11.52
185.96
9.07
0.49
10.92
80.58
201.68
5.59
2.23
28.41
57.49
148.04
54.51
119.46
4.49
138.84
11.63
2.86
61.36
1502.10
6093.14
7595.24
Total Claims
Settled
No. of
Benefit
Policies
Amount

More than 1 Year
DURATION WISE SETTLEMENT OF DEATH CLAIMS - INDIVIDUAL CATEGORY
117
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
10435
88273
21
1234
10
0
7565
279
2896
918
302
67
2031
41169
2392
1102
14
10928
1150
158
895
171840
228129
399969
0.03
25.64
132.71
0.05
15.80
0.02
0.00
14.45
2.77
30.34
0.79
1.67
0.87
31.87
66.12
45.28
24.65
0.05
148.65
19.79
0.60
8.91
571.04
1364.47
1935.51
Within 30 Days of
Intimation
No. of
Benefit
Lives
Amount
1
46
7882
26
12
3
0
23
3
943
0
5
70
270
2411
40
42
3
906
82
19
95
12882
2909
15791
No. of
Lives
0.05
0.10
14.66
0.18
0.07
0.14
0.00
1.10
0.02
11.90
0.00
0.07
0.48
10.63
5.22
0.66
1.71
0.00
24.49
0.25
0.20
3.03
74.94
19.84
94.78
Benefit
Amount
31 to 90 Days
0
10
1767
9
1
4
0
17
0
125
0
0
27
118
1127
111
0
0
86
0
16
59
3477
1445
4922
No. of
Lives
0.00
0.02
2.75
0.26
0.01
0.01
0.00
1.06
0.00
1.88
0.00
0.00
0.16
2.28
1.57
0.29
0.00
0.00
3.53
0.00
0.66
0.82
15.30
5.59
20.89
Benefit
Amount
0.00
0.01
0.45
0.02
0.00
0.00
0.10
0.95
0.00
0.00
0.00
0.03
0.47
0.05
0.00
0.00
0.46
0.00
0.33
0.44
3.30
3.31
6.61
11
11
0
0
1
1
352
8
0
0
8
0
9
20
504
601
1105
Benefit
Amount
0
4
75
3
0
1
No. of
Lives
Duration
91 to 180 Days
181 Days to 1 Year
0
7
43
0
0
0
0
2
1
1
0
0
1
6
25
0
1
0
8
0
0
0
95
48
143
No. of
Lives
STATEMENT 16
0.00
0.02
0.16
0.00
0.00
0.00
0.00
0.01
0.00
0.00
0.00
0.00
0.01
0.07
0.04
0.00
0.01
0.00
1.41
0.00
0.00
0.00
1.74
0.30
2.04
Benefit
Amount
2
10502
98040
59
1247
18
0
7618
283
3976
918
307
166
2426
45084
2551
1145
17
11936
1232
202
1069
188798
233132
421930
0.08
25.79
150.73
0.51
15.87
0.18
0.00
16.72
2.78
45.06
0.79
1.73
1.52
44.88
73.42
46.28
26.36
0.05
178.54
20.03
1.79
13.20
666.31
1393.51
2059.82
Total Claims
Settled
No. of
Benefit
Lives
Amount

More than 1 Year
DURATION WISE SETTLEMENT OF DEATH CLAIMS - GROUP CATEGORY
118
843.82
765.19
688.31
414.21
489.14
284.07
775.20
1045.11
316.58
169.44
262.98
99.62
98.47
70.16
29.06
73.69
59.74
37.78
70.46
28.14
23.67
38.69
6683.53
85674.54
1301.75
1326.27
1274.23
1131.22
575.69
709.36
1080.84
1126.00
1934.78
535.32
268.53
501.89
603.50
448.66
418.74
370.86
211.52
331.08
746.50
1542.24
1377.42
1081.98
1062.53
1553.22
357.06
119.98
112.49
253.20
281.46
403.82
335.53
174.99
315.42
178.79
113.01
178.01
123.94
68.92
80.86
63.27
41.18
62.81
31.99
27.88
66.52
83.86
76.56
261.27
130.53
58.20
73.06
75.23
47.68
44.36
70.00
69.52
77.84
34.37
5.87
26.12
40.43
7.83
59.64
59.08
101.41
87.56
8689.26
7755.94
9950.52
89180.75 190398.99 215000.98
98.28
1.30
115.16
11.25
23.68
1.52
13.37
2.79
11.27
9.13
117.31
0.00
12.72
5.76
2.66
4.44
0.72
4.30
4.25
0.08
10.21
38.03
488.24
34477.30
50.72
4451.08
5360.12
1.33
3487.93
4880.19
113.26
4326.29
6562.38
2.66
1452.77
2177.89
20.85
2832.47
3550.00
1.85
1216.32
1549.28
109.39
4800.63
4714.12
57.68
4582.34
5708.76
0.00
1030.52
1374.36
4.67
886.92
1309.77
45.82
1116.36
1424.06
0.00
496.71
833.28
3.01
380.40
462.77
1.29
237.43
259.92
1.91
137.43
201.32
8.08
288.55
558.38
0.65
279.30
449.90
0.00
234.01
278.60
7.38
368.11
404.35
1.95
85.26
143.02
0.00
117.56
231.53
0.00
328.98
349.50
432.49 33137.37 42783.52
42159.12 731290.86 841074.55
41726.63 698153.49 798291.03

41726.63 698153.49 798291.03
2042.86
2276.66
139.86
456.77
1683.17
2517.25
462.58
521.02
1797.86
2619.75
598.96
813.75
758.78
1138.02
0.00
0.00
1533.89
2146.83
337.10
360.08
574.08
682.46
145.13
163.03
2040.46
2161.51
429.36
319.30
1278.47
2125.63
1193.44
890.25
462.72
784.60
119.96
120.21
287.69
476.80
139.19
171.28
411.99
575.01
149.09
152.28
277.50
338.81
6.58
137.66
127.17
191.93
73.11
63.03
90.43
107.09
29.89
25.46
67.72
90.84
10.11
10.06
90.67
150.32
43.18
54.84
99.05
185.11
61.59
60.56
128.78
134.25
15.47
24.76
172.38
195.42
51.50
53.71
51.18
80.59
0.00
0.00
66.52
113.61
9.34
17.85
150.85
190.66
0.00
12.21
14194.22 19283.14
4015.44
4428.11
307095.57 353376.05 113644.46 141357.66
33989.06
33989.06
HDFC Standard
Max New York
ICICI Prudential
Birla Sunlife
TATA AIG
Kotak Mahindra
SBI Life
Bajaj Allianz
MetLife
Reliance
ING Vysya
AVIVA Life
Sahara
Shriram
Bharti AXA
IDBI Federal
Future Generali
Canara HSBC
Star Union Dai-ichi
DLF Pramerica
Aegon Religare
IndiaFirst
PRIVATE TOTAL
INDUSTRY TOTAL
80491.49 182643.05 205050.46

80491.49 182643.05 205050.46
292901.34 334092.91 109629.03 136929.55

292901.34 334092.91 109629.03 136929.55
LIC
PUBLIC TOTAL
78991.01
78991.01
LIFE FUND
Central Govt State Govt & Other
Infrastructure
Approved
Other
Total (Life Fund)
Securities
Approved Securities
Investments
Investments
Investments
31-Mar-10 31-Mar-11 31-Mar-10 31-Mar-11 31-Mar-10 31-Mar-11 31-Mar-10 31-Mar-11 31-Mar-10 31-Mar-11 31-Mar-10 31-Mar-11
(` Crore)
STATEMENT 17
Insurer
ASSETS UNDER MANAGEMENT OF LIFE INSURERS
119
49941.31
49941.31
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
53351.21
HDFC Standard
Max New York
ICICI Prudential
Birla Sunlife
TATA AIG
Kotak Mahindra
SBI Life
Bajaj Allianz
MetLife
Reliance
ING Vysya
AVIVA Life
Sahara
Shriram
Bharti AXA
IDBI Federal
Future Generali
Canara HSBC
Star Union Dai-ichi
DLF Pramerica
Aegon Religare
IndiaFirst
PRIVATE TOTAL
INDUSTRY TOTAL
31-Mar-10
378.85
61.36
1097.48
44.21
184.25
28.09
2893.43
288.98
69.61
19.00
181.47
0.71
1.98
25.34
0.01
14.25
16.55
54.22
37.90
0.00
0.09
0.00
5397.79
67575.74
62177.96
62177.96
31-Mar-11
Central Govt Securities
LIC
PUBLIC TOTAL
Insurer
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
23591.16
22117.86
22117.86
31-Mar-10
105.25
4.89
93.04
7.68
72.72
7.01
1652.89
44.34
5.03
3.03
56.99
0.38
0.06
11.09
0.00
2.88
11.22
9.68
11.69
0.00
0.35
0.00
2100.25
32375.68
30275.44
30275.44
31-Mar-11
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
66684.57
61529.31
61529.31
31-Mar-10
330.68
20.42
1133.45
70.83
211.22
21.20
6317.71
418.44
15.54
28.78
310.37
0.86
0.41
52.33
0.00
1.97
23.64
70.54
119.07
0.00
0.00
0.00
9147.47
89975.83
80828.36
80828.36
31-Mar-11
PENSION & GENERAL ANNUITY FUND

State Govt & Other
Approved
Approved Securities
Investments
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
143626.93
133588.49
133588.49
814.79
86.68
2323.97
122.73
468.19
56.30
10864.03
751.76
90.18
50.82
548.83
1.94
2.46
88.76
0.01
19.10
51.41
134.44
168.66
0.00
0.44
0.00
16645.50
189927.26
173281.76
173281.76
Total (Pension &

General Annuity & Group Fund)
Investments
31-Mar-10
31-Mar-11
(` Crore)
Cont'd... STATEMENT 17
120
148828.93
148828.93
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
311668.71
HDFC Standard
Max New York
ICICI Prudential
Birla Sunlife
TATA AIG
Kotak Mahindra
SBI Life
Bajaj Allianz
MetLife
Reliance
ING Vysya
AVIVA Life
Sahara
Shriram
Bharti AXA
IDBI Federal
Future Generali
Canara HSBC
Star Union Dai-ichi
DLF Pramerica
Aegon Religare
IndiaFirst
PRIVATE TOTAL
INDUSTRY TOTAL
19914.30
8429.17
54926.50
16286.86
8243.88
6766.83
23535.65
30409.31
6093.96
15712.62
3404.88
6407.39
531.16
1514.29
1231.74
1325.61
603.45
2243.85
1158.15
72.06
377.35
772.95
209961.97
371898.63
161936.66
161936.66
Approved Investments
31-Mar-10
31-Mar-11
LIC
PUBLIC TOTAL
Insurer
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
25871.42
11760.36
11760.36
408.59
440.39
3900.04
1068.28
299.76
219.52
993.43
2474.86
292.76
773.78
292.88
412.32
53.76
131.88
107.48
74.48
42.65
82.63
15.54
8.80
35.05
8.51
12137.39
27217.13
15079.74
15079.74
Other Investments
31-Mar-10
31-Mar-11
UNIT LINKED FUND
15305.36
6577.94
51469.25
14175.84
6151.73
5445.85
17,087.31
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
337540.14
160589.29
160589.29
20322.89
8869.56
58826.54
17355.14
8543.64
6986.35
24529.08
32884.17
6386.72
16486.40
3697.76
6819.72
584.91
1646.17
1339.22
1400.09
646.10
2326.48
1173.70
80.87
412.40
781.47
222099.36
399115.76
177016.39
177016.39
Total (ULIP Funds)

31-Mar-10
31-Mar-11
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
1212457.93
992331.27
992331.27
26497.80
13836.42
67712.89
19655.76
12561.83
8591.93
40107.23
39344.69
7851.27
17846.99
5670.65
7654.93
1050.15
1994.85
1540.55
1977.57
1147.41
2739.52
1746.71
223.89
644.37
1130.97
281528.38
1430117.56
1148589.18
1148589.18
Total (All Funds)

31-Mar-10
31-Mar-11
(` Crore)
121
STATEMENT 18
EQUITY SHARE CAPITAL OF LIFE INSURERS

(` Crore)
Name of the insurer
As on
31st March,
2010
Infusion
During
the year
As on
31st March,
2011
Foreign
Promoter
Indian
Promoter
FDI
(%)
HDFC Standard
1968.00
26.88
1994.88
518.67
1476.21
26.00
ICICI Prudential
1428.14
0.32
1428.46
370.78
1057.68
25.96
Max New York
1838.82
2.18
1841.00
478.63
1362.37
26.00
Kotak Mahindra
510.29
0.00
510.29
132.68
377.61
26.00
Birla Sun Life
1969.50
0.00
1969.50
512.07
1457.43
26.00
TATA-AIG Life
1920.50
33.00
1953.50
507.91
1445.59
26.00
SBI Life
1000.00
0.00
1000.00
260.00
740.00
26.00
ING Vysya
1019.15
445.73
1464.88
380.87
1084.01
26.00
Metlife
1774.79
194.79
1969.57
512.09
1457.48
26.00
150.71
0.00
150.71
39.18
111.52
26.00
Reliance
1164.65
1.19
1165.84
0.00
1165.84
0.00
AVIVA
1888.80
116.10
2004.90
521.27
1483.63
26.00
Sahara
232.00
0.00
232.00
0.00
232.00
0.00
Shriram
125.00
50.00
175.00
45.50
129.50
26.00
1131.35
394.00
1525.35
338.97
1186.39
22.22
Future Generali
702.00
350.00
1052.00
268.26
783.74
25.50
IDBI Federal
450.00
250.00
700.00
182.00
518.00
26.00
Canara HSBC
500.00
200.00
700.00
182.00
518.00
26.00
Aegon Religare
570.00
380.00
950.00
247.00
703.00
26.00
DLF Pramerica
221.30
72.66
293.96
76.43
217.53
26.00
Star Union Dai-ichi
250.00
0.00
250.00
65.00
185.00
26.00
IndiaFirst
200.00
125.00
325.00
84.50
240.50
26.00
21015.00
2641.85
23656.85
5723.81
17933.03
24.20
5.00
0.00
5.00
0.00
5.00
21020.00
2641.85
23661.85
5723.81
17938.03
Bajaj Allianz
Bharti AXA
Sub Total (Private Sector)

LIC
Total (Life)
122
24.19

STATEMENT 19
SOLVENCY RATIO OF LIFE INSURERS

Insurer
March
2010
June
2010
September
2010
December
2010
March
2011
Aegon Religare
2.66
3.55
4.18
2.74
3.22
Aviva
5.12
4.26
3.44
4.13
5.40
Bajaj Allianz
2.68
2.86
2.99
3.37
2.86
Bharti AXA
1.68
3.78
4.39
2.91
2.14
Birla Sun Life
2.11
2.23
2.24
2.50
2.89
Canara HSBC
2.58
3.38
2.62
4.00
3.07
DLF Pramerica
1.67
1.92
1.88
1.63
2.53
Future Generali
2.34
1.80
2.76
2.19
2.21
HDFC Standard
1.80
2.02
1.92
1.80
1.72
ICICI Prudential
2.90
3.09
3.05
3.24
3.27
IDBI Federal
4.05
3.64
3.04
2.45
6.60
IndiaFirst
5.27
5.01
7.43
6.90
6.36
ING Vysya
1.79
3.11
3.37
3.26
3.00
Max New York
3.22
3.04
2.82
3.06
3.65
MetLife
1.65
1.69
1.67
1.63
1.69
Kotak Mahindra
2.79
2.75
2.69
2.61
2.67
Reliance
1.86
1.58
1.55
1.59
1.66
Sahara India
4.50
4.70
4.87
5.06
4.82
SBI Life
2.17
2.25
2.22
2.16
2.04
Shriram
2.69
2.38
2.52
3.63
3.96
Star Union Dai-ichi
7.46
7.36
7.47
7.07
6.70
TATA AIG
2.11
1.97
1.79
1.87
2.16
1.54
1.62
1.66
1.58
1.54
PRIVATE INSURERS
PUBLIC INSURER
LIC
* Source - Actuarial Report and Abstract as on 31-03-2010 & 31-03-2011 and respective quarterly solvency statements
123
124
683250
(7599)
789529
18438
18438
1491
16947
18438
316927
(321)
64
510108
48762
48762
32907
15855
48762
184002
(26021)
123242
86782
201503
51508
71733
78262
201503
71733
123242
184002
3012187
129770
2291183
316907
720999
5
(305)
3458864
60297
256915
2074682
60760
1015510
284026
1059117
56
2419469
56068
218739
184295
113878
992261
51620
132675
717217
38058
120348
(2702)
1294821
735
52550
(1648)
(207918)
1028
13590
158347
193437
1435
47975
2368
6198
136165
393183
(63470)
1652875
(5292)
190214
1338224
(695719)
9219
52157
241291
(34109)
141402
(426)
77156
159965
(38949)
(47785)
(1194)
1788063
(6365)
ICICI PRUDENTIAL
2010-11 2009-10
(59)
550566
(8029)
567707
(8250)
BIRLA SUN LIFE

2010-11 2009-10
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
4744
(303)
2653
2395
4744
2653
155525
2092
96866
21
62499
58627
11
220116
13058
49441
179
11496
22618
22252
(7157)
199
170895
(366)
LIC
2010-11 2009-10
8098
7766669
1842358
(234862)
209195
34053
6719788
1017242
(192374)
3694853
2653
1991
661
2653
661
113762
113762
113762
103092
103092
103092
4729
5329
9036
19094
14903
4271
(16939)
6698
19094
1083920
19094
952640
(2546)
202316
133789
37
1305330
52550
149766
1890
35594
62142
94552
(16419)
428328
(458)
4136
700510
(4947)
4463
6698
918942
6698
572611 7276923
221251 26402951 27012738
1991
113762
103092
197202
283091
51
639045
(3246)
12256
2756324
7913066
100354
(6868)
58803 3410550
24544 11124119
7
110533
1122841
47681
149521
1730
20057
92041
187150
(13780)
(57712)
905
(3021)
900417
(4946)
HDFC STANDARD
2010-11 2009-10
196597 14595689 11722395

104
362529
50455
397318
35345
282045 29927263 29872155

12076 1330868 1211031
46727 1698028 1224582
(44141) (104530)
1499
14630
15559
39112
(6751)
54139
164265 20347340 18607731

(409)
(11936)
(9492)
401
352
ING VYSYA
2010-11 2009-10
LIFE INSURERS : POLICYHOLDERS ACCOUNT
48122
15136
32986
48122
6229
433879
41892
310190
10
198356
123679
674128
53990
144044
315
243
1183
45051
71058
(13582)
(3685)
(195)
434
581263
(7642)
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)
MAX NEW YORK

2010-11 2009-10
19886
9216
10264
405
19886
10264
609942
9621
408773
207750
201159
9
827313
51480
156270
5205
16581
40119
94777
(29397)
40737
4506
657115
(2329)
10264
8677
1587
10264
1587
800509
8677
731162
226459
69342
5
1035645
62785
163673
864
30534
24497
67713
(18375)
270262
1316
660490
(1656)
RELIANCE LIFE
2010-11 2009-10
105388
11837
93551
10237
11056
105388
446956
1027151
84095
81533
241544
498467
196
19239
1352790
61647
160658
869
3167
93783
349772
(38265)
(14053)
960995
(3477)
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)
BAJAJ ALLIANZ LIFE

2010-11 2009-10
(` Lakh)
STATEMENT 20
125
77248
254992
(42428)
302655
4288
635
1605438
66617
75298
132845
244623
(63953)
(13026)
(1536)
2706
3542
1592753
67105
88299
1022
(13679)
129237
85138
6
1371721
(90)
1456775
19426
812
20237
17775
2462
20237
4
2449
0
157857
292577
12
1108539
(1344)
1399783
35112
2462
37574
33552
4022
37574
(21)
1010403
(2355)
1291164
(3612)
SBI LIFE
2010-11 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
TOTAL (D)
PARTICULARS
9663
528
17276
422
9197
7085
17276
(176)
8951
9197
380
230754
302082
16896
154108
281070
8669
528
21659
73458
49668
(717)
392437
16792
57384
290
1770
26006
35815
(8651)
52223
286805
(1820)
23347
71022
103615
360761
13017
58006
415
882
36933
48481
(17295)
(2752)
297551
(3455)
KOTAK MAHINDRA
2010-11 2009-10
8990
4001
4989
3994
8990
238657
376419
4996
66982
(140)
118784
70920
500200
24628
93877
279
(342)
1752
42473
41990
(8946)
25987
398522
(1235)
5135
1731
3403
3867
5135
377556
474276
1268
64403
(141)
131357
32458
606901
28085
102631
641
3196
44339
29607
20203
(12567)
173968
349378
(1222)
TATA AIG
2010-11 2009-10
(165375)
(165556)
(293)
112
(165556)
(166383)
240361
827
193886
(1326)
65093
47792
9
306280
8732
56360
32634
234
19858
19144
(12413)
250817
(3993)
(166383)
(162007)
4301
74
(162007)
(136394)
314961
(25613)
298273
(568)
97450
17250
6
386798
29251
68199
114181
299
11934
13065
(3302)
253601
(2980)
METLIFE
2010-11 2009-10
22528
2033
20495
22528
208574
22528
89610
(86)
66977
118976
74
298080
10104
56873
20129
(658)
24740
27862
(4922)
(1748)
234517
(1839)
2803
2752
51
2803
320967
2803
258208
(397)
86848
63094
62
410618
15829
71019
36002
456
18282
10085
(5027)
114670
237801
(1651)
AVIVA
2010-11 2009-10
1821
475
1347
1821
11026
20687
1821
4883
5808
4777
302
28316
2208
3298
74
770
770
770
26978
34879
770
6421
(3)
6241
1483
172
41890
2368
3700
34
14331
325
(2)
1791
680
25059
(7)
2761
827
24341
(9)
SAHARA
2010-11 2009-10
919
919
919
181
46199
78525
738
8788
17406
23529
8
144
(6)
4046
85
474
(666)
96669
4146
13116
5877
4766
(14)
82152
(47)
324
181
143
324
192
63852
74631
132
4181
19048
6595
3
24269
80
3324
(1566)
93811
6649
12399
3276
4344
(975)
61127
(67)
SHRIRAM
2010-11 2009-10
(28343)
(28343)
(28343)
61541
(28343)
57268
(121)
64094
4394
97292
3943
60151
1388
6661
165
2182
11204
(2999)
(49)
79202
(463)
(47729)
(47729)
(47729)
62595
(47729)
61979
(277)
72397
893
87263
6326
66071
244
695
236
789
6546
(639)
12648
66973
(229)
BHARTI AXA
2010-11 2009-10
(` Lakh)
126
37223
(0)
38621
58813
95712
11044
46047
109499
9578
41108
54968
(159)
207
36837
146
32778
57091
1398
1325
1100
(131)
2890
3214
4160
(543)
(1858)
50686
4005
54151
(667)
72616
(1013)
FUTURE GENERALI
2010-11
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
TOTAL (D)
PARTICULARS
75858
75506
(413)
27660
765
103517
6663
20997
13
13511
5977
6483
(1641)
(1876)
303
99
81100
(452)
61239
61166
(278)
19269
351
80508
4419
14850
0
12299
2995
6256
(1140)
3011
59
127
57112
(210)
IDBI FEDERAL
2010-11
2009-10
12394
(23666)
(23666)
121
(23787)
(23666)
(29649)
194
(29843)
(29649)
12633
(289)
29118
50
17846
1293
27825
136
864
(191)
490
39
29
16565
(86)
30888
(29649)
31468
(779)
42834
199
44073
2191
40631
12
2974
615
1394
(774)
1181
116
69
38861
(363)
AEGON RELIGARE
2010-11
2009-10
142240
141690
(59)
41225
609
183465
15180
26045
93229
92818
(23)
39571
433
132800
20337
19235
26114
230
268
19760
1873
4207
(258)
16645
84245
(254)
5205
10907
(2633)
(2608)
153186
(621)
CANARA HSBC
2010-11 2009-10
5584
5491
15761
93
21345
972
14788
0
11450
176
156
(31)
105
(0)
14
9504
(30)
2896
2921
11000
(25)
13896
429
10571
9794
44
43
(19)
186
0
9
3844
(4)
DLF PRAMERICA
2010-11
2009-10
(3405)
(3405)
(4391)
(270)
(4661)
(3405)
45026
49009
(3405)
68895
90655
(4661)
(4661)
3879
(28)
10563
132
56166
3928
6635
87
1476
721
1056
(183)
53037
(28)
21333
(281)
14559
709
100553
4019
10541
98
2409
455
3197
2692
(1554)
93331
(75)
STAR UNION DAI-ICHI

2010-11
2009-10
15425
40247
136158
(212006)
384705
522
(10587)
15050
384705
404881
522
26544725
(50208)
352
8614767 7283288
4491836 2619346
(1189526) (466521)
131719 6029502
4789
1771
(5723)
6897
(168828) 1434747
24967
48341
195107
370356
(666)
(1566)
41196764 43821032
1828029 1803559
3294230 2890628
(43535) (103867)
(21)
12
20
428613
369950
35345
50455
0
(14396)
(6868)
12256
5535826 5008584
14215045 9556491
110958
100589
29160499
(62580)
401
5331
126607
73982
(189641)
244032
227754
(48615)
14870
244032
19424423 19434755
(8244)
(13185)
64
1538451 9456020
17488 35280696 38534671
2
380242
277777
17472
8278
17
25769
1456
6822
18
5095
33
55
(4)
413
20160
(0)
TOTAL
2010-11
2009-10
522
76520
522
76131
15782
388
92825
2692
13090
72
8923
1065
1593
(99)
1141
349
79843
(62)
INDIAFIRST
2010-11 2009-10
(` Lakh)
334
(3)
127
783
783
28836
11496
333
4823
655
1427
2741
984
14630
202
1161
177
(2)
(2)
117178
40
(16)
69
3323
113762
106072
(9)
65
2923
103092
20057
94
10250
(30)
(17)
3999
3999
4463
35594
40
8116
35
(26)
(5)
492
2891
4729
1183
20954
41543
354
(2)
752
7453
32986
10781
14319
129
(99)
710
3241
10335
Profit/ (Loss) before tax
48055
NOTE:Figures in brackets indicate the negative values.
Profit carried to the Balance Sheet
(e) Transfer to reserves/ other accounts
(d) Dividend distribution tax
(c) Proposed final dividend
(b) Interim dividends paid during the year
(a) Balance at the beginning of the year
25797
2256
28053
(7008)
(7006)
11829
14832
(91215)
(13676)
(13671)
(172251) (202750) (271087) (351849) (111899) (104892)
(202750) (159201) (351849) (377646) (104892)
80762
APPROPRIATIONS
Profit / (Loss) after tax
83250
2488
(43550)
(43550)
Provision for Taxation

30500
6246
30500
TOTAL (B)
Prior period expenses
6198
Contribution to Policyholders Account
Prior Period Expense
(c) Others
3419
113762
117180
117180
2979
103092
106072
106072
35634
(27518)
(27518)
19406
19406
22137
(2091)
(2091)
16411
(12929)
(12929)
16715
16581
134
3786
234
(241)
729
2658
405
(28379)
(28379)
30953
30534
419
2574
136
(476)
922
1993
(156550) (146650)
(82961) (102367) (280316) (267387)
(146650) (119131) (102367) (100275) (267387) (239008)
(9900)
(9900)
20151
5862
242
528
528
83778
(49)
940
2233
25712
(474)
47975
80
4505
(54)
1353
9288
73192
(b) Provision for doubtful debts
48
36745
(203)
177
3039
1491
Provisions (Other than taxation)
to the insurance business
Expenses other than those directly related
TOTAL (A)
Other Income
(156)
3663
32907
(d) Transfer/gain on revaluation/Change in Fair value
(` Lakh)
STATEMENT 21
103874
(1830)
105704
2463
108166
3623
3167
455
111789
(314)
961
17591
93551
(1830)
(56058)
54229
1471
55699
7592
6945
647
63291
(54)
1063
9834
52448
BIRLA SUN LIFE ICICI PRUDENTIAL

ING VYSYA
LIC
HDFC STANDARD MAX NEW YORK
RELIANCE
BAJAJ ALLIANZ
2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10
Income From Investments:
Policyholders Account (Technical Account)
Amounts transferred from the
PARTICULARS
LIFE INSURERS : SHAREHOLDERS ACCOUNT
128
3542
3815
37045
(29)
302
TOTAL (B)
62122
25487
APPROPRIATIONS
411
36634
11212
9127
(0)
7391
(25)
2422
4989
4581
15
1163
3403
2552
(9)
244
2205
112
2506
(0)
465
1967
74
23799
(16)
161
3159
20495
2422
(0)
312
2059
51
(74)
(3)
87
1696
1347
25487
(2158)
27646
103
27749
(4761)
(4799)
39
(15264)
(25512)
10247
10247
965
882
83
5179
5179
2212
1752
460
(40001)
(40001)
44582
44339
243
(25512) (155807) (160986)
(32434) (160986) (120985)
6922
6922
2205
1770
435
(7934)
(10462)
2528
2528
24
24
2875
2875
(34472)
(34472)
36893
36002
892
(10462) (147851) (150726)
(12968) (150726) (116255)
2506
2506
20924
20129
794
3542
747
2795
188
2983
75
75
3058
22989
(1)
282
1761
7085
40860
(c) Others
related to the insurance business
Expenses other than those directly
TOTAL (A)
Other Income
(3548)
76
2186
8951
(251)
2697
6065
17775
408
5469
1683
33552
(` Lakh)
1432
747
(2874)
3621
259
3880
35
35
3915
1379
(6)
1106
2461
730
1731
1731
502
474
27
2233
273
(91)
112
1019
919
(34039)
(34039)
6801
6661
141
(27237)
(22)
177
951
(28343)
(73990)
(47817)
(47817)
848
695
152
(46969)
(48)
187
621
(47729)
730 (155846) (121807)
2536 (121807)
(1806)
(1806)
3358
3324
34
1551
133
198
1078
143
SBI LIFE
KOTAK MAHINDRA
TATA AIG
MET LIFE
AVIVA
SAHARA
SHRIRAM
BHARTI AXA
2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10
PARTICULARS
544
129
32928
(32012)
TOTAL (B)
APPROPRIATIONS
(96654)
(64642)
(32012)
32778
(c) Others
to the insurance business
150
915
TOTAL (A)
Expenses other than those directly related
Other Income
(64642)
(28955)
(35686)
(35685)
36976
36837
139
1291
188
(36249)
(24071)
(12178)
(12178)
13649
13511
137
1470
215
(121)
310
(24071)
(13576)
(10495)
(10495)
12453
12299
154
1959
(3)
(159)
(4369)
(1997)
(2373)
(2373)
3541
567
1168
461
(1)
99
609
(1997)
(2379)
382
382
133
133
515
81
(2)
53
382
(66841)
(47703)
(19138)
(19138)
20117
19760
356
979
(73)
158
893
(47703)
(23087)
(24616)
(24616)
26236
26114
122
1620
(35)
530
1124
(24731)
(13775)
(10956)
(10956)
11681
11450
231
725
(51)
(0)
79
697
(13775)
(4446)
(9329)
(9329)
9965
9794
171
636
(70)
(0)
91
615
DLF PRAMERICA
2010-11
2009-10
(6935)
(4106)
(2829)
35
(2794)
1365
1365
(1429)
54
(72)
377
2603
(4391)
(4106)
(1965)
(2140)
134
(2006)
1173
1173
(833)
(125)
697
2000
(3405)
STAR UNION DAI-ICHI

2010-11
2009-10
(11679)
(5204)
(6475)
(6475)
9015
8923
92
2540
890
(114)
669
1095
(1473)
11002
76334
391637
265704
5552
35
271291
208837
178543
(29)
27349
480129
787
(98882)
4096
134
(94652)
329537
317806
85
242
(5273)
16677
234886
177
(5)
1379
(4634)
12275
50490
175204
TOTAL
2010-11
2009-10
2979
103092
(5204) (1633226) (1781750)
3419
113762
(725) (1781750) (1576796)
(4479)
(4479)
5182
5095
85
703
(50)
(0)
241
511
INDIAFIRST
2010-11 2009-10
1915
(18)
1810
CANARA HSBC
2010-11 2009-10
1184
AEGON RELIGARE
2010-11
2009-10
(74)
200
(29)
765
IDBI FEDERAL
2010-11
2009-10
(` Lakh)
744
FUTURE GENERALI
2010-11
2009-10
PARTICULARS
SOURCES OF FUNDS
Share Capital
Share Application Money Pending Allotment
Emloyees Stock Option Outstanding
Reserves And Surplus
Credit/[Debit] Fair Value Change Account
Sub-Total
Borrowings
Policyholder Funds:
CREDIT/[DEBIT] FAIR VALUE CHANGE ACCOUNT
REVALUATION RESERVE-INVESTMENT PROPERTY
POLICY LIABILITIES
INSURANCE RESERVES
PROVISION FOR LINKED LIABILITIES
Sub-Total
DEFERRED TAX LIABILITY
FUNDS FOR FUTURE APPROPRIATIONS
TOTAL
APPLICATION OF FUNDS
INVESTMENTS
Shareholders
Policyholders
ASSETS HELD TO COVER LINKED LIABILITIES
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)
DEBIT BALANCE IN PROFIT & LOSS ACCOUNT
(Shareholders Account)
Debit Balance in Policyholders A/c
TOTAL
PARTICULARS
56980
12154
69133
81135
3231
84367
(15233)
202750
1810140
58852
13717
72570
80083
4695
84778
(12208)
172251
2142656
1456730
1535344
1745922
1852008
50440
105817
1456730
2655
6982
78608
106086
69727
160335
1745922
2631
3998
29842
1810140
48000
3
244953
48000
0
244950
45697
2142656
196950
196950
BIRLA SUN LIFE

2011
2010
130
7018693
271087
6030029
351849
30540
29660
60200
157170
2988
160159
(99958)
29552
17844
33032
33473
66505
158967
491
159458
(92953)
128503
445657
5146926
1160
26340
123242
6030029
5037610
5428166
24934
6689
358933
142814
11
9
335884
(96)
478622
197647
721719
5882653
869
19826
97220
7018693
5823298
6441896
23154
6689
588755
336069
656
479577
142846
5
ICICI PRUDENTIAL
2011
2010
703351
111899
9465
18928
28393
28921
114
29035
(641)
41169
178843
369776
1341
964
1990
703351
370302
554682
184365
16
191
146679
146488
12447396
39506
368
40374
500
2011
36587
36087
500
2010
11386815
LIC
2327286
3807208
6134493
39711
1608067
1647778
4486715
38257
97016710
17998971
8388265
283941
1415893
3531917
4947809
592822
1597398
2190220
2757590
35376
83304127
17032518
8299709
312299
580712 128212858 111741618
104892
9868
13463
23330
27978
96
28074
(4744)
18359
131922
327729
823
1732
2653
3491
8116
580712 128212858 111741618
98535715 83940026
605030
366457
327772 16580852 16003617
457845 128168993 111696915
129994
79
64
120214
101915
18235
ING VYSYA
2011
2010
(AS ON 31st MARCH)
LIFE INSURERS : BALANCE SHEET
156550
16939
2830767
38373
67703
106076
130376
1501
131877
(25801)
69997
533498
2052313
3312
23957
44723
2830767
2052313
2564492
512333
(154)
22068
(4)
221552
199488
2160620
146650
30302
49178
79479
124854
1876
126730
(47251)
63048
434154
1552178
404
11438
25548
2160620
1552178
1930898
376669
2051
5529
1844
204173
196800
HDFC STANDARD
2011
2010
1448623
1128944
102367
7580
7559
82961
18404
44536
62940
83780
28
83809
(20869)
83013
270750
657794
861
27448
6229
1128944
657794
917115
259314
19249
48405
67654
108350
26
108376
(40722)
131989
364698
886956
1162
14020
15136
1448623
886956
1227330
340353
7900
13414
404
205599
7995
13518
544
206157
21
183882
184100
MAX NEW YORK

2011
2010
2057389
280316
60132
(12346)
27220
20566
47786
60132
37775
99112
1648640
3080
813
19481
2057389
1634550
1728294
93096
648
192850
180
309615
116584
1627456
267387
49878
13452
63330
73514
243
73757
(10427)
36931
52645
1276506
3018
1397
10264
1627456
1270115
1319550
48758
677
180970
207
297642
116464
RELIANCE
2011
2010
(` Lakh)
STATEMENT 22
SOURCES OF FUNDS
Share Capital
Sub-Total
Borrowings
Policyholder Funds
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)
TOTAL
PARTICULARS
105996
284
209870
375
100000
100000
613
498
6010
4476
113135
131
15264
4822
3506
25512
155807
160986
16621
11441
28061
32710
2062
34772
(6711)
40674
9121
603856
58556
24967
681917
2783
3405
6188
3334
67
3401
2788
22791
23756
58491
23
530
7934 10462 147851 150726

165375 166383
3927490 3304492 3952581 2814312 871628 694222 1414223 1100685 955131 764288 905655 802488 108379
1830
27434
82387
485242
977
10645
9130 13974 13569

9248
9336
5024
10628 25487 20569 12746
12745 15375
19757 39461 34138 21993 22080 20399
26432 57586 54604 31975 39311 29835
1714
636
748
1838
2011
1704
28146 58222 55352 33812 41322 31540
(8388) (18761) (21214) (11819) (19242) (11141)
28821
117633
638692
1123
7372
8406
2160
10565
9783
253
10035
530
5102
2173
7275
10797
133
10929
(3654)
15412
8334
118412
12
1959
155846
3432
10226
13658
12473
613
13086
571
871
13867
6266
133922
121807
4521
9280
13801
16033
386
16419
(2618)
2052
9444
4298
79230
89241 201965 140474 311344 214213
2248
2456
4704
2735
40
2775
1929
17345
17523
164611
22
1934
10473
9923
20396
26318
1906
28224
(7828)
39835
286568
619149
4534
10828
43851 21869 26566 32189

38325 31116 53254 32197
82176 52985 79821 64387
95009 105187 170652 143039
10682
6602
1189
617
105691 111789 171841 143657
(23515) (58804) (92020) (79270)
44833
361962
859016
6251
5115
22355
16809
47465
10
673
24918
101474
544585
522
5599
32226
128367
698635
577
4385
79230
83527
4295
235208 154538 96508 72830

409372 346223 1466870 1088751
3288417 2841462 2452908 1708731
1471
1303
16537 17940 28316 23270
6750
47462 164611 118412 133914
64118 182000 127012 140677
8601
13
58491
79966
17389
152535
730 17929 17399

50
194
152
13280 170659 130687
12500
16561
95
2461
5
19965
17500
21444
31
24302
1102
23200
821
181
8
89241 201965 140474 311344 214213
966862
23200
BHARTI AXA
2011
2010
29290 38746
4022
2462 20383 20569 19360
15359
7781
8074 15865 13832
1293
3927490 3304492 3952581 2814312 871628 694222 1414223 1100685 955131 764288 905655 802488 108379
302934 1331439
12197
188880
115715 92368 340059 273246 109859 75008 23248

9752
422
528
3288417 2841462 2448886 1706268 678262 524026 853441 615554 636574 481961 666052 590024
3673259 3144680 3785589 2685327 795012 617420 1199509 893276 748042 560247 689301 599776
384467
5264
200490
27120
177479
18487
56233
196957
2351
3920
192050
SHRIRAM
2011
2010
(` Lakh)
SAHARA
2011
2010
3
2
56233 195353 192050 199308 195968 200490 188880
1609
3278
195350
AVIVA
2011
2010
5204
51029
METLIFE
2011
2010
5204
51029
SBI LIFE
KOTAK MAHINDRA TATA AIG
2011
2010
2011
2010
2011
2010
62122 25487
848
1036
224941 121066 162970 126523
15071
15071
BAJAJ ALLIANZ
2011
2010
(AS ON 31st MARCH)
SOURCES OF FUNDS
Share Capital
Sub-Total
Borrowings
Policyholder Funds
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)
TOTAL
PARTICULARS
2190
125363
10202
19019
30028
753
5254
6437
11691
10694
278
10972
719
64642
125363
9354
213868
11104
38047
64610
393
3769
8919
12688
9217
412
9629
3060
96654
213868
27838
46721
55349
94366
132
235683
36249
7810
11570
19380
18709
174
18882
498
1703
32187
25037
140009
235683
140009
165883
26263
18884
39017
(135)
69799
(389)
(6)
76452
(52)
110148
69935
136111
24071
10853
8451
19304
19123
136
19259
45
1721
19492
9381
81402
136111
81402
91181
9778
7
44930
44924
IDBI FEDERAL
2011
2010
70200
6258
105200
5000
FUTURE GENERALI
2011
2010
4369
69063
140408
4848
7715
12563
11917
235
12152
411
2160
18931
4235
41240
322
140408
45086
4168
40918
0
95000
95000
1997
39220
71526
2526
4871
7397
6172
359
6531
866
4521
10357
1364
13202
126
71526
14399
1323
13076
1
57001
57000
AEGON RELIGARE
2011
2010
341410
66841
8576
7834
16410
18598
191
18789
(2379)
2994
13523
27782
232648
341410
232648
258910
26286
(24)
179803
47703
4954
3878
8832
14138
117
14255
(5423)
5843
14502
9534
107644
179803
107644
117303
9659
62500
12500
12500
82500
50000
70000
CANARA HSBC
2011
2010
(AS ON 31st MARCH)
46193
24731
1051
2645
3696
4746
177
4922
(1226)
374
13737
491
8087
46193
8087
8671
584
8126
1
37522
29396
25311
13775
743
1741
2485
3034
118
3153
(668)
604
8354
165
3081
25311
3081
3180
99
0
22131
22130
6935
270
184762
13224
5543
18768
17642
12
17654
1114
1767
34394
22913
117370
184762
117369
142769
25400
17000
(7)
41993
25000
94841
4106
11649
3418
15067
13660
182
13842
1225
2062
35369
3605
48474
94841
48474
52793
4318
17000
48
42048
25000
DLF PRAMERICA STAR UNION DAI-ICHI

2011
2010
2011
2010
139633
11679
23134
3871
27005
28436
10
28446
(1440)
3313
30860
4644
90577
524
139633
90054
93603
3549
13000
6
45506
32500
50518
5204
1533
665
2199
10104
29
10132
(7934)
2908
32866
125
17349
2
50518
17347
17472
125
13000
44
33044
20000
INDIAFIRST
2011
2010
11445200
6689
86986116
366985
33595999
132404265
2101923
42990
7908
818302
3759
2974883
3278
7580
7559
1805225 1808714
251648
205602
158364690 135687405
1763961
3856425
5620386
1649027
1621394
3270421
2349965
29552
2699647
4228997
6928645
1152769
1634991
2787760
4140885
17844
1291451
954251
101754780 86732230
40256381 34799690
8410128 8315986
428790
483834
335939
308257
158364690 135687405
12523892
6689
102836340
605452
38666368
154640349
2366119
7356
7995
1004143
2798
3388412
1609
TOTAL
2011
2010
(` Lakh)
STATEMENT 23
LIFE INSURANCE CORPORATION OF INDIA : POLICYHOLDERS ACCOUNT

CAPITAL REDEMPTION AND ANNUITY CERTAIN BUSINESS (NON-PARTICIPATING)
(` Lakh)
2010-11
2009-10
Premiums earned (Net)
781
778
Profit/ Loss on sale/redemption of Investments
(27)
(27)
(1325)
(1283)
1416
1283
TOTAL (A)
850
751
Claims Incurred (Net)
717
762
Commission
13
14
60
59
Others
Provision for Bad & Doubtful Debts
(0)
17
812
834
38
(83)
38
(83)
Change in Policy Liabilities

Others
Interest on premium
Interest, Dividend & Rent (Gross)

TOTAL (B)
Operating Profit/(Loss) C= (A - B)
APPROPRIATIONS
Transfer to Catastrophe Reserve
Transfer to Other Reserves
TOTAL (C )
Note: Figures in brackets indicates the negative values.
133

STATEMENT 24
LIFE INSURANCE CORPORATION OF INDIA : SHAREHOLDERS ACCOUNT
(` Lakh)
2010-11
2009-10
38
(83)
38
(83)
38
(83)
Profit after Tax
38
(83)
APPROPRIATIONS
(a)
Interim dividends paid during the year
(b)
Proposed final dividend
(c)
Dividend distribution tax
(d)
Transfer to any Reserves or Other Accounts
(e)
Transfer to General Reserve
(f)
Balance of profit/ loss brought forward from last year
(g)
Balance carried forward to Balance Sheet
38
(83)
OPERATING PROFIT/(LOSS)
(a)
Fire Insurance
(b)
Marine Insurance
(c)
Miscellaneous Insurance
INCOME FROM INVESTMENTS
(a)
Interest, Dividend & Rent Gross
(b)
Profit on sale of investments
Less: Loss on sale of investments
OTHER INCOME
TOTAL (A)
PROVISIONS (Other than taxation)
(a) For diminution in the value of investments
(b) For doubtful debts
(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
Note: Figures in brackets indicate the negative values.
134

STATEMENT 25
LIFE INSURANCE CORPORATION OF INDIA : BALANCE SHEET
(AS ON 31st MARCH)
(` Lakh)
2011
2010
18573
17247
Reserves and Surplus
36
36
Fair value change account
21
28
18629
17311
18125
16964
186
209
572
591
Total Current Assets (A)
758
800
Current Liabilities
199
453
55
Total Current Liabilities (B)
254
453
Net Current Assets (C) = (A - B)
504
346
18629
17311
SOURCES OF FUNDS
Share Capital
Policy Liabilities
Borrowings
TOTAL
Investments
Loans
Fixed Assets
Current Assets:
Provisions
Miscellaneous Expenditure
(to the extent not written off)
Debit balance in Profit and Loss A/c

TOTAL
135
136
91
679
32
166
Aviva
45
808
Birla
Sun Life
ICICI
Pru
76
777
1524 25269
HDFC
Std
LIC
61 7373
998 52926
ING
Vysya
198
5915
Max
NewYork
27
739
31
1180
Met Kotak
Life Mahindra
48
1356
SBI
199
4729
TATA
AIG
19
257
16
366
Sahara Shriram
11
596
5
216
17%
11%
31%
16%
24%
31%
39%
72%
8%
5%
81%
46%
19%
14%
4%
5%
23%
13%
25%
31%
14%
12%
7%
7%
42%
33%
21%
15%
156.33 202.12 33.28 666.16 80.54 547.89 76.7311483.44 209.28 79.12 25.63 54.37 297.01 20.66
4944.94 2362.68 1290.80 2647 2778 16582 1195 89860 7678 15826 1614 2035 5364
296
41%
15%
38%
19%
8.68 26.81
154
939
37%
25%
0%
6%
68.33 4.70
1594
197
0.05
21
0%
3%
0.22
59
0.81
55
24%
9%
80%
19%
3.52 2.16
671
138
2.451
432
4%
18%
4.42
70
0.28
7
1 0.006 0.003
96
0
0
Star
Union
Dai-ichi
0%
0
0
NA
NA
NA
NA
India
First
STATEMENT 26
Canara Aegon
DLF
HSBC Religare Pramerica
0 0.003
0
0
Bharti Future
IDBI
AXA Generali Federal
160.62 80.96 37.36 323.43 114.09 968.89 89.11 9744.37 286.84 44.99 22.91 46.49 329.19 22.49 16.04 17.20 44.39
10852 1531
378 1578 2716 32354 4706 114767 11370 6689 4813 5904 12972
340
593 1043 1679
96
1723
Bajaj Reliance
Allianz
* Includes Non-Linked Health Business, if any.

A policy is treated as lapsed if the premium is not paid within the grace period (generally ranging from 15 to 30 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 31-03-2009, 31-03-2010 & 31-03-2011 of the life insurers.
Lapse Ratio
(Based on number of policies)
During 2009-10
During 2010-11
2010-11
Number of policies in 000
Sum Assured ` Crores
2009-10
2008-09
Description
INDIVIDUAL BUSINESS (WITHIN INDIA)-DETAILS OF FORFEITURE/

LAPSED POLICIES IN RESPECT OF NON-LINKED BUSINESS*

STATEMENT 27
DETAILS OF INDIVIDUAL AGENTS OF LIFE INSURERS

Insurer
Additions during
2010-11
7617
6383
3139
10861
32728
10004
19513
23219
Bajaj Allianz
167741
22215
289
189667
Bharti AXA
32661
8938
26389
15210
Birla Sunlife
168124
36247
59798
144573
DLF Pramerica
2115
3339
255
5199
Future Generali
42613
10501
448
52666
HDFC Standard
198879
17042
79912
136009
ICICI Prudential
241830
44547
95970
190407
7737
3105
2960
7882
296
296
ING Vysya
53273
26014
44330
34957
Kotak Mahindra
35897
13089
10717
38269
Max NewYork
72828
34156
63442
43542
MetLife
63300
16066
50526
28840
195565
49164
55296
189433
Sahara
13856
570
246
14180
SBI Life
65532
43311
29215
79628
Shriram
21554
285
11700
10139
69
66
128
151557
50129
114463
87223
Private Total
1575476
395467
668615
1302328
LIC
1402807
306296
372039
1337064
Industry Total
2978283
701763
1040654
2639392
Aegon Religare
Aviva
Canara HSBC
IDBI Federal
IndiaFirst
Reliance Life
Star Union Dai-ichi

Tata AIG
Deletions during
2010-11
As on 31st
March, 2011
As on
1 April, 2010
st
NOTE: Edelweiss Tokio Life Insurance Company Limited was granted registration after 31st March, 2011
137

STATEMENT 28
DETAILS OF CORPORATE AGENTS OF LIFE INSURERS

Insurer
As on
1 April, 2010
st
Additions during
2010-11
Deletions during
2010-11
As on 31st
March, 2011
Aegon Religare
10
Aviva
15
11
Bajaj Allianz
864
581
289
Bharti AXA
13
13
Birla Sunlife
380
12
228
164
Canara HSBC
DLF Pramerica
11
Future Generali
12
HDFC Standard
374
366
ICICI Prudential
22
10
15
IDBI Federal
IndiaFirst
ING Vysya
58
1829
860
1027
Kotak Mahindra
95
73
25
Max NewYork
81
14
40
55
MetLife
29
21
12
225
164
67
Sahara
SBI Life
127
15
42
100
Shriram
Star Union Dai-ichi
72
57
18
2420
1919
2469
1870
510
16
231
295
2930
1935
2700
2165
Reliance Life
TATA AIG
Private Total
LIC
Industry Total
138
139
6
0
1
1
2
2
9
4
1
1
2
9
7
6
20
0
0
0
0
3
8
6
1
10
0
13
1
7
0
0
0
0
8
0
0
128
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 Is.
Chandigarh
Dadra & Nagrahaveli
Daman & Diu
Delhi
Lakshadweep
Puducherry
Company Total
Bajaj
Allianz
5
91
1
1
6
26
3
55
2
16
1
2
8
56
9
23
0
12
1
18
4
40
7
63
8
76
6
64
17 103
0
0
1
3
0
1
0
0
6
53
9
50
6
58
0
3
6
60
1
2
10 107
1
17
14
64
0
0
1
3
0
0
0
0
9
20
0
0
0
5
142 1092
Aviva
14
0
2
2
2
1
15
8
1
1
5
14
11
5
23
0
0
0
0
5
9
9
1
16
0
16
3
10
0
1
0
0
6
0
1
181
Bharti
AXA
43
1
17
31
8
3
36
20
5
3
15
32
42
21
80
1
3
1
2
19
53
27
1
36
1
60
4
36
0
1
0
0
14
0
1
617
Birla
Sunlife
2
0
1
1
0
0
1
4
0
0
0
4
2
1
3
0
0
0
0
1
3
1
0
3
0
4
0
1
0
0
0
0
1
0
0
33
0
0
0
0
0
0
4
8
1
0
0
1
0
0
1
0
0
0
0
0
17
1
0
0
0
3
0
1
0
1
0
0
3
0
0
41
15
0
1
17
1
1
7
11
2
1
11
5
8
8
19
0
0
0
0
6
7
6
0
9
0
37
3
8
0
0
0
0
2
0
0
185
Canara
DLF Future
HSBC Pramerica Generali
5
0
1
2
1
2
4
2
0
0
2
3
5
1
10
0
0
0
0
0
2
3
0
3
0
6
1
4
0
1
0
0
2
0
0
60
ICICI
IDBI
Pru Federal
44 253
1
0
9
12
4
24
8
7
1
3
28 154
14
34
6
6
2
15
5
15
34
46
56 106
28
28
56 108
1
0
2
3
1
1
1
0
13
23
25 110
26 157
1
1
38
71
1
1
43 110
7
8
25
74
0
1
1
2
0
0
0
0
16
28
0
0
1
1
498 1402
HDFC
Std
1
0
0
0
0
0
0
0
0
0
0
1
1
1
4
0
0
0
0
0
0
1
0
1
0
1
0
1
0
0
0
0
1
0
0
13
India
First
44
0
1
1
1
1
12
8
1
2
1
28
21
10
16
0
0
0
0
5
15
15
0
42
0
15
1
2
0
1
0
0
3
0
1
247
10
0
3
1
2
1
37
16
0
1
3
10
11
7
32
0
0
0
0
1
14
8
0
11
0
16
2
6
0
0
1
0
9
0
1
203
30
0
3
4
4
4
64
55
6
4
4
19
24
14
89
0
1
0
0
9
35
20
0
29
1
42
5
14
0
1
1
0
21
0
1
504
21 133
1
2
4
33
6
44
3
12
2
3
17
85
10
39
5
18
8
14
5
20
15
78
24
62
9
59
22 121
0
0
0
3
0
1
0
1
7
36
23
51
8
60
0
2
27 105
1
3
24 140
3
22
18
76
0
0
1
0
0
0
0
0
6
25
0
0
0
0
270 1248
ING Kotak
Max MetLife Reliance
Vysya Mahindra NewYork
Life
* 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.
Aegon
State/
Union Territory
8
0
4
19
1
0
8
7
0
0
6
4
0
5
2
0
0
0
0
3
1
14
0
1
0
40
1
9
0
1
0
0
1
0
0
135
Sahara
58
1
15
25
12
6
32
24
10
3
16
38
39
34
58
1
1
1
1
26
24
27
1
56
1
53
9
42
1
3
0
0
10
0
1
629
77
0
0
0
2
0
6
4
0
0
3
2
5
6
7
0
0
0
0
0
4
2
0
29
0
6
2
1
0
2
0
0
4
0
0
162
SBI Shriram
Life
1
0
1
2
0
0
1
0
0
0
1
1
1
1
4
0
0
0
0
1
1
1
0
1
0
2
0
1
0
1
0
0
1
0
0
22
Star
Union
Dia-ichi
STATE WISE DISTRIBUTION OF OFFICES OF LIFE INSURERS* - 2010-11

State
Total
(Private)
LIC
18 879 274
0
8
3
19 159
80
16 258 127
4
88
62
1
34
16
29 613 185
14 314
69
4
78
37
0
74
28
10 168
63
18 432 226
25 534 180
7 321 203
39 834 359
0
3
4
1
18
1
1
7
1
0
5
4
16 233 106
13 474 101
19 475 176
0
11
2
20 574 308
2
14
16
26 774 358
1
91
46
48 462 235
0
2
2
0
21
10
0
2
1
0
0
0
11 201
81
0
0
0
1
14
7
363 8175 3371
TATA
AIG
1153
11
239
385
150
50
798
383
115
102
231
658
714
524
1193
7
19
8
9
339
575
651
13
882
30
1132
137
697
4
31
3
0
282
0
21
11546
State
Total
(Industry)
STATEMENT 29

STATEMENT 30
REGION WISE DISTRIBUTION OF OFFICES OF LIFE INSURERS* - 2010-11

Insurer
Metro
Aegon
32
66
27
128
Aviva
28
45
56
13
142
Bajaj Allianz
64
149
438
441
1092
Bharti AXA
26
60
86
181
Birla Sunlife
54
89
370
104
617
Canara HSBC
10
17
33
DLF Pramerica
11
23
41
Future Generali
12
49
66
58
185
HDFC Standard
59
83
285
71
498
ICICI Prudential
79
114
494
715
1402
IDBI Federal
12
30
17
60
13
ING Vysya
22
57
153
15
247
Kotak Mahindra
38
64
92
203
Max NewYork
72
99
227
106
504
MetLife
30
61
145
34
270
Reliance Life
90
120
570
468
1248
Sahara
35
73
21
135
SBI Life
34
124
334
137
629
Shriram
25
49
85
162
14
22
55
87
168
53
363
Private total
769
1428
3715
2263
8175
LIC
363
560
953
1495
3371
1132
1988
4668
3758
11546
IndiaFirst
Star Union Dai-ichi

TATA AIG
Industry total
Urban
Semi-urban
* Offices opened after seeking approval of the Authority.

Note: 1) Data collected from life insurers through a special return.
2) Based on the HRA classification of places done by the Ministry of Finance.
Metro: Delhi, Mumbai, Chennai, Kolkata, Hyderabad and Bangalore.
Urban: A, B-1 and B-2 class cities of the HRA classification.
Semi-urban: C class cities of the HRA classification.
Others: Places not listed in the HRA classification.
140
Others
Company Total
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
State / Union
Territory
558
_
64
33
178
112
866
515
73
52
286
693
633
576
1195
4
7
_
119
298
895
338
30
1108
_
1000
110
537
_
43
_
_
538
_
_
10861
Aegon
Religare
Bajaj
Allianz
1101 15934
154
135
1256
9421
1365 17963
313
3917
156
91
1191
8436
1250
2377
239
2114
85
2598
358
8484
855
7642
813
9043
1377
9104
1915 11944
19
145
62
345
28
220
16
123
2366 15456
667
7545
1040
5356
93
356
661
9220
428
1125
2146 21174
89
504
1442 14789
5
_
73
563
2
116
1
6
1608
3303
_
_
45
118
23219 189667
Aviva
904 16545
_
262
118
8759
299 10045
213
2426
42
725
1223
6433
253
4781
142
791
119
397
582
3241
888
7933
628
5387
357
5250
1717 14245
_
587
_
874
_
209
_
1060
380
6631
790
5304
693
6861
49
200
1126
7460
_
173
1830 13387
259
348
1397
9866
_
79
342
481
_
42
_
5
859
3502
_
_
_
284
15210 144573
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
_
603
831
30
_
_
4
_
_
_
_
_
_
_
_
2459
_
_
_
_
114
5
4
_
521
_
_
628
_
_
5199
HDFC
Std.
821
21
343
197
5
116
499
218
25
3
270
404
698
221
820
34
1
7
33
20
286
746
1
424
2
828
98
329
17
54
_
_
338
_
3
7882
ICICI
IDBI
Pru Federal
4
_
_
7
_
_
2
8
5
_
3
23
27
15
34
_
1
_
_
2
1
52
_
10
_
52
_
9
_
_
_
_
40
_
1
296
India
First
6293
_
238
_
_
138
1071
550
126
296
229
4522
2491
1161
1975
_
_
_
_
1310
1171
2231
_
6638
_
1929
153
880
_
195
_
_
1252
_
108
34957
1035
_
946
33
19
_
8049
3636
_
5
288
1739
820
861
7409
_
_
_
_
84
2654
1167
_
1518
_
1912
16
1418
_
570
124
_
3950
_
16
38269
2751
_
82
395
371
429
4569
2916
433
312
561
1384
1705
1296
7840
_
24
_
_
813
2908
1918
_
1936
42
4066
960
1280
_
486
_
_
3999
_
66
43542
ING Kotak
Max
Vysya Mahindra NewYork
LIFE INSURERS
6119
9986 13538
_
_
_
700
2982
6282
847
2147 10877
246
1467
1699
266
297
265
2722
7491 12219
3015
4248
3828
797
693
2550
896
866
2128
2264
1451
4500
1283
7574
6049
2388 10745 15518
2228
6141
6016
6136 24296 19857
_
_
12
_
238
135
_
_
196
_
_
_
2773
4098
9720
1697
4611 11101
2763
4919 11374
_
150
173
3157
7887
9069
_
1149
910
6436 12401 17402
440
1128
1071
2972
8732 11865
_
_
171
557
1131
878
_
_
_
_
_
_
1964
9009 10786
_
_
_
_
172
218
52666 136009 190407
Bharti Birla Canara

DLF Future
AXA Sunlife HSBC Pramerica Generali
2749 22229
40
599
722 10478
320 11295
520
1926
76
386
1409 10191
833
4891
82
1589
1263
1891
443
5659
1977
6822
3847
5476
426 10406
2298 12350
7
_
1
769
_
189
23
189
922 10678
1572
4895
627
7340
1
107
1962 12306
80
1534
2361 25152
262
3211
2000 10740
15
_
169
258
2
_
3
_
1792
5653
_
_
36
224
28840 189433
790
_
347
2344
101
_
593
154
_
_
819
175
_
588
272
_
_
_
_
539
41
1645
_
44
_
4281
182
844
_
77
_
_
344
_
_
14180
Met Reliance Sahara

Life
Life
6602
_
_
22
192
1
20
4
_
_
145
490
100
957
413
_
_
_
_
49
1
7
_
1072
_
17
6
_
_
1
_
_
15
_
25
10139
SBI Shriram
Life
8269
144
1285
2808
2600
369
3193
2227
851
316
1909
5121
6819
4834
8651
97
74
111
110
4333
1501
3284
50
8663
86
6005
786
3698
16
167
_
_
1045
_
206
79628
STATE WISE DISTRIBUTION OF INDIVIDUAL AGENTS - 2010-11
_
_
14
45
1
_
2
1
_
_
8
_
_
22
12
_
_
_
_
2
1
1
_
1
_
14
_
3
_
_
_
_
1
_
_
128
Star
Union
3715
35
7096
4000
880
86
6823
4043
768
5
2552
1725
5898
1921
7679
189
67
151
321
5434
1703
4647
29
5712
1236
5929
390
11958
4
134
11
12
1844
2
224
87223
119943
1390
51133
65042
17074
3555
77605
40579
11308
11232
34052
57303
73036
53757
131058
1094
2598
1111
1994
65908
51803
57009
1239
79974
6765
128436
10018
84763
307
6700
297
27
52470
2
1746
1302328
TATA Private
AIG Total
(State-wise)
111629
623
34600
68912
17167
3906
61431
21194
11900
6660
24063
85659
69416
55517
169012
1603
588
336
810
44916
36920
69486
581
109362
3736
150878
14228
115929
758
3638
5
98
39652
2
1849
1337064
231572
2013
85733
133954
34241
7461
139036
61773
23208
17892
58115
142962
142452
109274
300070
2697
3186
1447
2804
110824
88723
126495
1820
189336
10501
279314
24246
200692
1065
10338
302
125
92122
4
3595
2639392
LIC . Industry
Total
(State-wise)
STATEMENT 31
141

STATEMENT 32
NEW BUSINESS UNDER MICRO INSURANCE PORTFOLIO - 2010-11

(LIFE INSURANCE)
(Premium in ` Lakh)
Insurer
Individual Category
No. of
Policies
Aegon Religare
Group Category
Premium
No. of
Schemes
No. of
Lives covered
Premium
11222
58.87
896377
1118.30
Bajaj Allianz
Bharti AXA
290395
186.00
Canara HSBC
DLF Pramerica
10010
1.00
Future Generali
HDFC Standard
ICICI Prudential
324889
256.08
IDBI Federal
648835
178.41
IndiaFirst
ING Vysya
Kotak Mahindra
Max NewYork
3501
4.21
Sahara
1483
12.24
69
SBI Life
12
70683
78.23
Shriram
357563
343.20
Star Union Dai-ichi
68243
217.69
699733
735.09
23
1983537
1719.14
LIC
2951235
12305.76
5446
13275464
13803.67
Industry Total
3650968
13040.85
5469
15259001
15522.81
Aviva
Birla Sunlife
MetLife
Reliance Life
TATA AIG
Private Total
Note: New business premium includes first year premium and single premium.
142
143
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
Aviva
Bajaj Allianz
Bharti AXA
Birla Sunlife
Canara HSBC
DLF Pramerica
Future Generali
HDFC Stdandard
ICICI Prudential
IDBI Federal
IndiaFirst
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
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
0
(0.00)
0
(0.00)
1433
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
2210
(0.00)
0
(0.00)
21
(0.00)
11
(0.00)
0
(0.00)
No of
Policies
0
(0.00)
No of
Policies
0.00
(0.00)
Benefit
Amount
Total Claims
0
(0.00)
0.00
(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
(0.00)
0
(0.00)
0.00
(0.00)
0.00
(0.00)
141.26
1433 141.26
(0.00) (100.00) (100.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
316.51
2210 316.51
(0.00) (100.00) (100.00)
0.00
(0.00)
3.18
21
3.18
(0.00) (100.00) (100.00)
2.30
11
2.30
(0.00) (100.00) (100.00)
0.00
(0.00)
Benefit
Amount
Claims intimated /
booked
0
(0.00)
No of
Policies
Claims pending
at start of year
Aegon Religare
Life Insurer
0
(0.00)
0
(0.00)
1429
(99.72)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
2209
(99.96)
0
(0.00)
20
(95.24)
10
(90.91)
0
(0.00)
No of
Policies
0.00
(0.00)
0.00
(0.00)
141.01
(99.72)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
316.44
(99.98)
0.00
(0.00)
2.98
(93.71)
2.10
(91.30)
0.00
(0.00)
Benefit
Amount
Claims paid
0
(0.00)
0
(0.00)
2
(0.14)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
1
(0.05)
0
(0.00)
0
(0.00)
1
(9.09)
0
(0.00)
No of
Policies
0.00
(0.00)
0.00
(0.00)
0.10
(0.07)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.07
(0.02)
0.00
(0.00)
0.00
(0.00)
0.20
(8.70)
0.00
(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)
0.00
(0.00)
0.00
(0.00)
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
0
(0.00)
0
(0.00)
2
(0.14)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
1
(4.76)
0
(0.00)
0
(0.00)
No of
Policies
0
(0.00)
0
(0.00)
<3
months
0.00
(0.00)
0.00
(0.00)
0.15
(0.21)
0.00
(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)
1
(50.00)
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
(50.00)
0
(0.00)
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 to <6
months
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
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 to <12
months
0
(0.00)
0
(0.00)
Total
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
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)
0
(0.00)
0
1
(0.00) (100.00)
0
(0.00)
0
(0.00)
>12
months
Break up of claims pending duration wise (Policies)
0.20
1
(6.29) (100.00)
0.00
(0.00)
0.00
(0.00)
Benefit
Amount
Claims pending
at end of year
STATEMENT 33
DEATH CLAIMS UNDER MICRO INSURANCE PORTFOLIO 2010-11 - INDIVIDUAL CATEGORY
(Benefit Amount in ` Lakh)
144
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
2
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
5
(0.00)
7
(0.00)
5
(0.00)
12
(0.00)
Kotak Mahindra
Max NewYork
MetLife
Reliance Life
Sahara
SBI Life
Shriram
Star Union Dai-Ichi
TATA AIG
Private Total
LIC
Industry Total
2.40
(0.00)
1.12
(0.00)
1.28
(0.00)
1.08
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.20
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
Benefit
Amount
No of
Policies
Benefit
Amount
No of
Policies
Benefit
Amount
Claims paid
0
(0.00)
0
(0.00)
0.00
(0.00)
0.00
(0.00)
0
(0.00)
0.00
(0.00)
0
(0.00)
1
(50.00)
0
(0.00)
0
(0.00)
0.00
(0.00)
0.00
(81.82)
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)
0.00
(0.00)
513.31
4071 514.59
(0.00) (100.00) (100.00)
49.47
374
50.55
(0.00) (100.00) (100.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
11379 1702.36 11391 1704.76

(0.00)
(0.00) (100.00) (100.00)
505.23
(97.57)
41.91
(82.91)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
11283 1679.35
(99.05) (98.39)
7244 1174.12
(98.96) (98.65)
4039
(99.21)
350
(93.58)
0
(0.00)
0
(0.00)
0
(0.00)
0.35
4
0.55
4
0.55
(0.00) (100.00) (100.00) (100.00) (100.00)
0.00
(0.00)
0.01
2
0.01
(0.00) (100.00) (100.00)
0.00
(0.00)
0.00
(0.00)
0.24
16
0.24
16
0.24
(0.00) (100.00) (100.00) (100.00) (100.00)
Benefit
Amount
Total Claims
7315 1189.05
7320 1190.17
(0.00)
(0.00) (100.00) (100.00)
4064
(0.00)
369
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
2
(0.00)
0
(0.00)
2
(0.00)
0
(0.00)
0
(0.00)
16
(0.00)
No of
Policies
Claims intimated /
booked
0
(0.00)
No of
Policies
Claims pending
at start of year
ING Vysya
Life Insurer
88
(0.77)
60
(0.82)
28
(0.69)
24
(6.42)
0
(0.00)
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
22.42
(1.43)
13.41
(1.13)
9.01
(2.38)
8.64
(17.09)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
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
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
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)
0.00
(0.00)
Benefit
Amount
Claims written back
20
(0.18)
16
(0.22)
4
(0.10)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
1
(50.00)
0
(0.00)
0
(0.00)
0
(0.00)
No of
Policies
0
(0.00)
0
(0.00)
0
(0.00)
<3
months
3
(75.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
2.99
(0.18)
19
(95.00)
2.64
16
(0.22) (100.00)
0.35
(0.05)
0.00
(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
(18.18) (100.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
Benefit
Amount
Claims pending
at end of year
1
(5.00)
0
(0.00)
1
(25.00)
0
(0.00)
0
(0.00)
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 to <6
months
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
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 to <12
months
0
(0.00)
0
(0.00)
0
(0.00)
Total
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
20
(0.00) (100.00)
0
16
(0.00) (100.00)
0
4
(0.00) (100.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
1
(0.00) (100.00)
0
(0.00)
0
(0.00)
0
(0.00)
>12
months
Break up of claims pending duration wise (Policies)
DEATH CLAIMS UNDER MICRO INSURANCE PORTFOLIO 2010-11 - INDIVIDUAL CATEGORY

145
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
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
(0.00)
0.00
(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)
987
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
1556
(0.00)
No of
Lives
0
(0.00)
Benefit
Amount
0.00
(0.00)
Total Claims
0
(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
(0.00)
0.00
(0.00)
101.25
987 101.25
(0.00) (100.00) (100.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
307.89
1556 307.89
(0.00) (100.00) (100.00)
Claims intimated /
booked
No of
Benefit
Lives Amount
0
0.00
(0.00)
(0.00)
0
(0.00)
Aviva
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)
918
(93.01)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
1553
(99.81)
No of
Lives
0
(0.00)
0.00
(0.00)
79.13
(78.15)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
307.34
(99.82)
Benefit
Amount
0.00
(0.00)
Claims paid
0
(0.00)
19
(1.93)
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
(0.19)
No of
Lives
0
(0.00)
0.00
(0.00)
1.71
(1.69)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.56
(0.18)
Benefit
Amount
0.00
(0.00)
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)
No of
Lives
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)
Benefit
Amount
0.00
(0.00)
Claims written back
0
(0.00)
50
(5.07)
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
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
<3
months
0
(0.00)
0.00
(0.00)
0
(0.00)
0
(0.00)
(0.00)
0
0
(0.00)
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 to <6
months
0
(0.00)
0
(0.00)
(0.00)
0
0
(0.00)
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 to <12
months
0
(0.00)
0
(0.00)
0
(0.00)
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
0
(0.00)
0
(0.00)
(0.00)
50
0 (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)
>12
months
0
(0.00)
Break up of claims pending duration wise (Lives)
20.41
50
(20.16) (100.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
Claims pending
at end of year
No of
Benefit
Lives Amount
0
0.00
(0.00)
(0.00)
STATEMENT 34
DEATH CLAIMS UNDER MICRO INSURANCE PORTFOLIO 2010-11 - GROUP CATEGORY
146
0
(0.00)
0
(0.00)
4
(0.00)
487
(0.00)
491
(0.00)
Star Union Dai-ichi
TATA AIG
Private Total
LIC
Industry Total
140.41
(0.00)
139.64
(0.00)
0.77
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.51
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.26
(0.00)
Benefit
Amount
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)
1275
(92.12)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
144
(81.36)
No of
Lives
506.65
(92.33)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
16.45
(78.78)
Benefit
Amount
Claims paid
0.00
(0.00)
0.00
(0.00)
0
(0.00)
0
(0.00)
0.00
(0.00)
0.00
(0.00)
50314 20703.03 50805 20843.44

(0.00)
(0.00) (100.00) (100.00)
45819 19606.55 46306 19746.19

(0.00)
(0.00) (100.00) (100.00)
0.00
(0.00)
0.00
(0.00)
50250 20635.69
(98.91) (99.00)
45965 19607.62
(99.26) (99.30)
4285 1028.07
(95.24) (93.69)
0
(0.00)
0
(0.00)
118.50
395 118.50
395 118.50
(0.00) (100.00) (100.00) (100.00) (100.00)
548.22
1384 548.73
(0.00) (100.00) (100.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
20.62
177
20.88
(0.00) (100.00) (100.00)
No of
Lives
Total Claims
4495 1096.48
4499 1097.25
(0.00)
(0.00) (100.00) (100.00)
0
(0.00)
0
(0.00)
395
(0.00)
1383
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
174
(0.00)
Claims intimated /
booked
No of
Benefit
Lives Amount
0
(0.00)
Shriram
0
(0.00)
Reliance Life
1
(0.00)
0
(0.00)
MetLife
SBI Life
0
(0.00)
Max NewYork
0
(0.00)
0
(0.00)
Kotak Mahindra
Sahara
3
(0.00)
ING Vysya
Life Insurer
Claims pending
at start of year
No of
Benefit
Lives Amount
128
(0.25)
0
(0.00)
128
(2.85)
0
(0.00)
0
(0.00)
0
(0.00)
105
(7.59)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
1
(0.56)
No of
Lives
42.90
(0.21)
0.00
(0.00)
42.90
(3.91)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
40.53
(7.39)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.10
(0.48)
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
427
(0.84)
341
(0.74)
86
(1.91)
0
(0.00)
0
(0.00)
0
(0.00)
4
(0.29)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
32
(18.08)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
22
(68.75)
<3
months
76
(88.37)
0
(0.00)
0
(0.00)
0
(0.00)
164.86
(0.79)
417
(97.66)
138.57
341
(0.70) (100.00)
26.29
(2.40)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
3
(0.70)
0
(0.00)
3
(3.49)
0
(0.00)
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
(9.38)
>3 to <6
months
6
(1.41)
0
(0.00)
6
(6.98)
0
(0.00)
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
(18.75)
>6 to <12
months
Total
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
427
(0.23) (100.00)
0
341
(0.00) (100.00)
1
86
(1.16) (100.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
4
(0.00) (100.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
0
(0.00)
1
32
(3.13) (100.00)
>12
months
Break up of claims pending duration wise (Lives)
1.55
4
(0.28) (100.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
4.33
(20.74)
Claims pending
at end of year
No of
Benefit
Lives Amount
DEATH CLAIMS UNDER MICRO INSURANCE PORTFOLIO 2010-11 - GROUP CATEGORY
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 NewYork
MetLife
Reliance Life
Sahara
SBI Life
Shriram
Star Union Dai-ichi
TATA AIG
Private Total
LIC
Industry Total
Life Insurer
0
10
18
0
2208
0
0
0
0
1388
0
0
5
0
0
1
0
0
0
0
0
342
3972
7242
11214
0.00
2.10
2.40
0.00
316.38
0.00
0.00
0.00
0.00
136.31
0.00
0.00
0.13
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
40.95
498.27
1173.62
1671.89
Within 30 Days of
Intimation
No. of
Benefit
Policies
Amount
0
0
2
0
1
0
0
0
0
28
0
0
11
0
0
0
0
3
0
0
0
8
53
2
55
No. of
Policies
0.00
0.00
0.58
0.00
0.06
0.00
0.00
0.00
0.00
3.30
0.00
0.00
0.11
0.00
0.00
0.00
0.00
0.45
0.00
0.00
0.00
0.96
5.46
0.50
5.96
Benefit
Amount
31 to 90 Days
0
0
0
0
0
0
0
0
0
12
0
0
0
0
0
0
0
1
0
0
0
0
13
0
13
No. of
Policies
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
1.30
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.10
0.00
0.00
0.00
0.00
1.40
0.00
1.40
Benefit
Amount
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
0
0
0
1
0
1
No. of
Policies
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.10
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.10
0.00
0.10
Benefit
Amount
181 Days to 1 Year
DURATION
91 to 180 Days
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
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
0.00
Benefit
Amount
More than 1 Year
0
10
20
0
2209
0
0
0
0
1429
0
0
16
0
0
1
0
4
0
0
0
350
4039
7244
11283
No. of
Policies
0.00
2.10
2.98
0.00
316.44
0.00
0.00
0.00
0.00
141.01
0.00
0.00
0.24
0.00
0.00
0.00
0.00
0.55
0.00
0.00
0.00
41.91
505.23
1174.12
1679.35
Benefit
Amount
Total Claims Settled
STATEMENT 35
DURATION WISE SETTLEMENT OF MICRO INSURANCE CLAIMS (INDIVIDUAL CATEGORY) FOR 2010-11
147
Within 30 Days of
Intimation
No. of
Benefit
Lives
Amount
0
0.00
1549
306.71
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
918
79.13
0
0.00
56
6.48
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
1244
493.59
313
93.90
0
0.00
0
0.00
4080
979.81
45366 19422.28
49446 20402.09
Life Insurer
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 NewYork
MetLife
Reliance Life
Sahara
SBI Life
Shriram
Star Union Dia-ichi
TATA AIG
Private Total
LIC
Industry Total
0
3
0
0
0
0
0
0
0
0
0
0
63
0
0
0
0
0
24
82
0
0
172
599
771
No. of
Lives
0.00
0.48
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
6.86
0.00
0.00
0.00
0.00
0.00
10.20
24.60
0.00
0.00
42.14
185.34
227.48
Benefit
Amount
31 to 90 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
2.99
0.00
0.00
0.00
0.00
0.00
2.86
0.00
0.00
0.00
5.85
5.85
31
Benefit
Amount
0
0
0
0
0
0
0
0
0
0
0
0
24
0
0
0
0
0
7
0
0
0
31
No. of
Lives
148
2
0
1
0
0
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
0
2
No. of
Lives
0.27
0.00
0.15
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.12
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.27
Benefit
Amount
181 Days to 1 Year
DURATION
91 to 180 Days
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
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
Benefit
Amount
More than 1 Year
Benefit
Amount
0
0.00
1553
307.34
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
918
79.13
0
0.00
144
16.45
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
1275
506.65
395
118.50
0
0.00
0
0.00
4285 1028.07
45965 19607.62
50250 20635.69
No. of
Lives
Total Claims Settled
DURATION WISE SETTLEMENT OF MICRO INSURANCE CLAIMS (GROUP CATEGORY) FOR 2010-11
STATEMENT 36

STATEMENT 37
COMPANY WISE NUMBER OF MICRO INSURANCE AGENTS

Life Insurer
As on
1st April, 2010
Additions
during 2010-11
Deletions
during 2010-11
As on
31st March, 2011
Aegon Religare
Aviva
210
210
129
29
125
33
Canara HSBC
DLF Pramerica
Future Generali
HDFC Standard
ICICI Prudential
14
33
47
IDBI Federal
IndiaFirst
ING Vysya
Kotak Mahindra
Max New York
MetLife
Reliance Life
Sahara
15
15
SBI Life
Shriram
Star Union Dia-ichi
TATA AIG
400
68
25
443
Private Total
770
139
151
758
LIC
7906
2171
353
9724
Industry Total
8676
2310
504
10482
Bajaj Allianz
Bharti AXA
Birla Sunlife
149
150
Jeevan Madhur
Jeevan Mangal
LIC #
28th September, 2006

3rd September, 2009
8th August, 2006

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

2nd October, 2007
* All Micro-Insurance products and products falling within the parameters prescribed under the IRDA (Micro-Insurance) Regulations, 2005, but launched prior to the
said Regulations.
# Janashree Bima Yojana and Aam Aadmi Bima Yojana are schemes of Government of India and are administered all over the country by LIC.
Tata AIG Life Ayushman Yojana

Tata AIG Life Navkalyan Yojana
Tata AIG Life Sampoorn Bima Yojana
Tata AIG Sumangal Bima Yojana
TATA AIG
Star Union Dia-ichi
Shri Sahay - SP
19th March, 2007
Shri Sahay - AP
15th May, 2007
SUD Life Paraspar Suraksha Plan 17th May, 2009
1st December, 2007

1st December, 2007
27th March, 2002

30th Novermber, 2007
Shriram
26th June, 2006
Generic Group Term

Insurance for Social Sector
ING Saral Suraksha
Grameen Shakti
Grameen Super Suraksha
Sahara Sahyog
Sahara
15th July, 2008

3rd May, 2010
15th July, 2008
16th December, 2008
30th March, 2009
6th August, 2002
SBI Life
Met Vishwas
Met Grameen Ashray
Sarva Jana Suraksha
Met Life
ING Vysya
ICICI Prudential
Group Microsurance Plan
31st August, 2007

31st August, 2007
IDBI Federal
Bima Dhan Sanchay

Bima Suraksha Super
Birla Sunlife
7th March, 2007

7th March, 2007
7th March, 2007
Credit Plus
Sarv Suraksha
Bajaj Allianz Jana Vikas Yojana

Bajaj Allianz Saral Suraksha Yojana
Bajaj Allianz Alp Nivesh Yojana
Bajaj Allianz
16th March, 2007
NAME OF PRODUCT
DATE OF LAUNCH
GROUP CATEGORY
DLF Pramerica
Gramin Suraksha
NAME OF PRODUCT
DATE OF LAUNCH
INDIVIDUAL CATEGORY
Aviva
INSURER
LIST OF MICRO INSURANCE PRODUCTS OF LIFE INSURERS*
STATEMENT 38
151
1349.80
(188.64)
14870.25
(20.06)
374.78
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
2002-03
3507.62
(55.35)
18456.45
(11.57)
515.55
549.72
369.21
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
2004-05
2257.83
(67.27)
16542.49
(11.25)
445.48
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
2003-04
Note: Figures in the bracket represent the growth over the previous year in per cent.
ECGC
Star Health
Apollo Munich
Max Bupa
AIC
Total
2439.41
4198.06
2498.64
2781.48
11917.59
(13.59)
71.13
77.46
70.51
78.46
28.13
141.96
2001-02
467.65
(6453.98)
10499.02 12385.24
(17.97)
338.52
7.14
0.24
1.07
5.83
2227.73
3493.05
2247.10
2524.00
10491.88
National
New India
Oriental
United
Public sector
Royal Sundaram
Reliance General
IFFCO Tokio
TATA AIG
ICICI Lombard
Bajaj Allianz
Cholamandalam
HDFC Ergo
Future Generali
Universal Sompo
Shriram
Bharti AXA
Raheja QBE
SBI General
L & T General
Private sector
2000-01
INSURER
555.83
5362.66
(52.89)
21339.10
(15.62)
577.33
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
2005-06
564.67
8646.57
(61.24)
25930.02
(21.51)
617.66
22.51
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
2006-07
835.11
10991.89
(27.12)
28805.60
(11.09)
668.37
168.19
2.97
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
2007-08
833.44
12321.09
(12.09)
31428.40
(9.11)
744.68
509.86
48.14
4295.85
6455.79
4077.89
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
2008-09
GROSS DIRECT PREMIUM OF NON-LIFE INSURERS (WITHIN & OUTSIDE INDIA)
13977.00
(13.44)
35815.85
(13.96)
813.00
961.65
114.66
0.13
1520.40
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
2009-10
6245.17
8225.51
5569.88
6376.66
26417.21
(20.96)
1143.99
1655.43
1783.18
1173.09
4251.87
2869.96
967.99
1279.91
600.16
299.10
780.89
553.90
4.90
43.02
17.24
17424.63
(24.67)
43841.84
(22.41)
885.47
1227.55
282.69
25.46
1950.05
2010-11
(` Crore)
STATEMENT 39
28346
26381
5681
18017
5912
5585
442
3881
25
2310
246
146770
455512
Bajaj Allianz
Cholamandalam
HDFC Ergo
Future Generali
Universal Sompo
Shriram
Bharti AXA
Raheja QBE
SBI General
L&T General
Private Total
Grand Total
15929
TATA AIG
ICICI Lombard
18805
IFFCO-Tokio
308742
Public Total
10627
80533
United
Reliance
66205
Oriental
4583
104926
New India
Royal Sundaram
57079
National
Fire
2010-11
Insurer/
Segments
152
386927
129329
13
2833
174
4254
3429
13297
4777
24006
27006
14340
17162
13957
4081
257598
65225
57342
92378
42653
2009-10
251877
71674
43
17
1122
93
597
3072
4842
4368
7898
16637
15363
12798
2300
2520
180203
50153
44638
54956
30457
216759
61263
544
385
1536
2489
4239
7394
14657
11511
13241
2961
2302
155496
45356
38812
47430
23897
Marine
2010-11
2009-10
1818052
923219
1,095
24
41606
76830
16344
31933
42070
62359
171407
154496
42147
96111
107487
79303
894833
212400
174595
230338
277500
1504699
735562
17
18451
41148
7890
20978
28992
45010
144555
137916
22975
73067
131871
62691
769137
182664
161106
207094
218273
Motor
2010-11
2009-10
994403
303148
60
12
5278
2349
13331
32873
14814
33970
128130
11071
17921
25428
17910
691255
171176
151603
200337
168140
731137
233021
4919
1741
8231
26874
14951
29555
85676
8230
16422
23875
12547
498116
126541
108454
155247
107874
Health
2010-11
2009-10
737801
297652
281
1956
437
3503
723
5035
5768
30190
9577
47340
97578
32799
32682
19701
10082
440149
123405
108693
119157
88895
622522
238525
100
4334
366
4659
3488
19889
9508
42724
64252
28324
25893
25301
9689
383997
104119
107957
102102
69820
Others
2010-11
2009-10
4257645
1742463
1724
4302
490
55390
78089
29910
60016
127991
96799
286996
425187
117309
178318
165543
114399
2515183
637666
545733
709714
622070
3462045
1397700
132
31082
41693
18928
37661
91540
78485
248233
329506
85380
145784
197965
91311
2064345
523905
473671
604251
462517
TOTAL
2010-11
2009-10
(` Lakh)
STATEMENT 40
SEGMENT WISE GROSS DIRECT PREMIUM INCOME OF NON-LIFE INSURERS (WITHIIN INDIA)
153
42681
121247
44827
45291
254047
1581
3075
5035
2004
11287
11314
1949
1401
967
2244
218
632
(94)
(151)
(22)
41440
295486
2010-11
36629
256241
35335
106758
36473
41045
219612
1293
4074
4684
2011
8993
11847
1597
332
301
1263
75
234
(74)
Fire
2009-10
14234
22899
22697
24521
84351
1144
1256
3882
9193
4248
5728
1223
777
525
81
90
334
(26)
(18)
(24)
28414
112764
Motor
2010-11 2009-10
227277
196753
231193
217301
155012
140706
175542
148316
789024 703075
63264
53713
99436
105072
78403
61245
34086
27442
143004
111243
147636
125527
43502
32489
35225
20205
23053
13527
12245
2794
32552
13428
25609
6131
10
(52)
(78)
91
23777 738039 572766
100672 1527063 1275841
13022
23766
18937
21170
76896
1045
1800
3969
6169
3228
5643
1216
301
251
13
2
145
(5)
Marine
2010-11 2009-10
Note: Figures in brackets indicates the negative values.
National
New India
Oriental
United
Public Total
Royal Sundaram
Reliance General
IFFCO Tokio
TATA AIG
ICICI Lombard
Bajaj Allianz
Cholamandalam
HDFC Ergo
Future Generali
Universal Sompo
Shriram
Bharti AXA
Raheja QBE
SBI General
L&T General
Private Total
Grand Total
Insurer
88927
126900
80769
97202
393798
10429
22176
12350
6531
75166
25854
6196
16401
3879
1056
1504
181542
575340
133115
161242
117915
133453
545725
16313
20696
14638
9270
99415
29199
10806
15474
6518
1912
3847
1
16
228103
773829
Health
2010-11 2009-10
SEGMENT WISE NET PREMIUM INCOME (EARNED)
59088
110751
91038
85956
346833
5317
4917
11552
18116
27663
21088
5257
7759
1849
2793
143
1148
(65)
(7)
(33)
107498
454331
TOTAL
2010-11 2009-10
47542 476395 381579

96361 647332 571086
82197 431490 359083
76086 464763 383819
302186 2019980 1695567
5006
87619
71486
6803 129380 139925
9974 113510
92222
16820
72669
58973
20651 285616 219282
19549 214965 188420
4730
62737
46229
2766
60636
40006
790
32912
18748
2398
19275
7524
100
33003
13605
351
31570
8364
(201)
(175)
(331)
(253)
28
89740 1143493 904453
391926 3163473 2600020
Others
2010-11 2009-10
(` Lakh)
STATEMENT 41
154
2
7
2
3
14
2
_
5
1
7
_
1
1
_
_
_
1
_
_
5
2
_
25
39
No. of
Schemes
14413
1030
5389
14520
35352
2774
_
0.30
641
16403
_
6626
179
_
_
_
**
_
_
126933
159
_
153715
189067
No. of
persons
covered
200.46
32.22
176.88
174.95
584.51
27.38
_
60.17
14.16
473.53
_
85.71
46.61
_
_
_
11.38
_
_
888.68
5.87
_
1613.49
2198.00
Premium
Government Schemes
17551
2853
24159
NA
44563
373
NA
842
_
2091
2733
895
235
12232
467
_
1330
_
_
6067
395
NA
27660
72223
6133
3213
2736
5429
17512
112
908
0.01
_
1424
399
125
934
312
81
_
264
_
_
140
407
1
5107
22619
Group
No. of
No. of
Schemes
persons
covered
**Bharti AXA has not recorded the number of lives as it is a co-insurer.

NA: Not Available.
National
New India
Oriental
United
Public Total
Royal Sundaram
Reliance
IFFCO Tokio
TATA AIG
ICICI Lombard
Bajaj Allianz
Cholamandalam
HDFC Ergo
Future Generali
Universal Sompo
Shriram
Bharti AXA
SBI General
Raheja QBE
Star Health
Apollo Munich
Max Bupa
Private Total
Grand Total
Insurer
783.18
1008.01
815.28
985.00
3591.47
38.47
149.10
94.17
_
511.68
134.15
39.54
88.75
91.58
13.20
_
36.10
_
_
31.35
132.28
0.28
1360.65
4952.12
Premium
Others
1333
1611
585
789
4317
218
136
35
106
298
315
57
334
1
43
_
13
_
_
802
306
29
2693
7010
697.65
963.14
300.42
551.81
2513.02
113.25
68.12
22.40
40.51
296.09
165.52
22.89
184.97
5.16
10.25
_
5.30
_
_
279.66
128.06
25.18
1367.36
3880.37
Individual
No. of
Premium
Policies
STATEMENT 42
HEALTH INSURANCE PREMIUM AND NUMBER OF PERSONS COVERED 2010-11
(No. of Persons in 000) (Premium in ` Crore)
Oriental
United
155
ICICI Lombard
Bajaj Allianz
Cholamandalam
HDFC Ergo
Future Generali
Universal Sompo
Shriram
Bharti AXA
SBI General
Raheja QBE
Star Health
Apollo Munich
Max Bupa
167351
147149
27
131747
**
55
3533
9803
880
0.30
11
1093
20202
5898
3481
2133
8689
No. of
persons
covered
1587.42
1310.52
1.33
775.51
17.63
31.89
47.84
336.42
14.00
71.21
2.12
12.57
276.90
67.72
65.05
95.27
48.86
Premium
Government Schemes
59489
18148
523
3284
438
445
7421
290
1374
1835
1327
866
345
41341
31108
2757
7476
18223
5023
232
173
144
125
358
825
505
341
1328
0.01
869
121
13200
3752
1552
3104
4792
Group
No. of
No. of
Schemes
persons
covered
**Bharti AXA has not recorded the number of lives as it is a co-insurer.

NA: Not Available.
37
TATA AIG
Grand Total
IFFCO Tokio
23
Reliance
Private Total
Royal Sundaram
14
New India
Public Total
No. of
Schemes
National
Insurer
3543.49
1022.51
47.95
16.07
29.17
6.55
60.36
162.81
91.46
94.10
294.33
72.65
129.16
17.90
2520.98
807.30
609.50
642.00
462.18
Premium
Others
6127
2135
0.25
124
490
36
130
15
327
303
104
47
297
255
3992
764
589
1444
1196
2978.27
899.19
0.13
52.68
148.09
2.39
5.67
3.00
67.65
8.94
166.65
226.00
29.42
18.02
75.56
95.00
2079.08
390.39
296.79
815.20
576.70
Individual
No. of
Premium
Policies
HEALTH INSURANCE PREMIUM AND NUMBER OF PERSONS COVERED 2009-10
(No. of Persons in 000) (Premium in ` Crore)
156
404
Overseas Medical Insurance
53889 14697
1042
75
3211
301
250
2863
4694
6507
220
177
582
979
693
3685
73
2849
149
34
725
182
34
342
1069
Note: Figure in bracket indicates negative value.
Grand Total
3714
5312
Medical Insurance
Miscellaneous
2465
Personal Accident
248
Liability Insurance
Crop Insurance
19781
19316
Motor Third Party
Motor Own Damage
494
16
6200
1363
505
33
488
660
591
1637
12
794
22
252
1725
583
43
3990
4640
65
243
4184 12718
372
1931
217
145
225
746
32
10
8670
676
10
28
2275
229
395
969
1821
1258
112
531
1368
216
25
53
47
240
593
181
97
29
370
684
2697
1481
1956
1224
45
7121
2214
188
4034
288
228
1557
3380
(117)
757
409
1477
592 25841 15212
46
51
10
122
273 10126
17
54
1136
50
89
10
343
20
341
253
12
14
367
51
1384
4005
1816
999
1544
4637
5978
348
1175
930
6139
9054
625
2382
4583
1960
335
903 107659 47012
84
17
345 10459 10858
20
12
61 32757
54 40249 12036
60
51
22
176
177
12
1029
Engineering
56
61
357
15
18
494
Marine (Hull)
504
895
724
164
Marine (Cargo)
140
1732
Fire
1242
Individual Agents
Corporate Agents
Banks
Brokers
Referral Arrangements Direct Business
Others
Total
Policies Premium Policies Premium Policies Premium Policies Premium Policies Premium Policies Premium Policies Premium Policies Premium
(Policies in 000)
STATEMENT 43
Type of Channel
CHANNEL WISE GROSS DIRECT PREMIUM INCOME FOR 2010-11
157
Marine
Cargo
33819.95
9142.97
72.94
13.12
3302.29
634.03
1769.75
248.97
3149.03
753.69
1814.35
777.24
42842.86 11138.17
19779.19
6355.57
3206.47
197.50
1986.86
275.46
1498.93
292.06
22999.85
7780.28
8433.36
1182.70
7360.15
4198.18
148751.41 43564.39
31.89
5.94
256.92
24.95
60.19
0.65
57.00
10.90
5535.44
953.51
12912.44
2598.84
8790.25
3272.96
92.02
17.51
37550.95 16300.34
166.41
22.88
16385.52
5714.84
3568.28
748.39
25132.06
9055.84
198.34
20.16
3259.65
1209.92
171.30
38.91
238.15
77.86
47771.85 26894.71
0.00
0.02
780.50
904.03
463746.53 154427.49
Fire
Note: TP- Third Party; OD- Own Damage.
Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
Chattisgarh
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
Chandigarh
Dadra & Nagara Haveli
Daman & Diu
Delhi
Lakshadweep
Puducherry
Total
State / Union
Territory
Engineering
Motor
OD
Motor
TP
2796.76 24931.03 80965.51 43454.36

0.00
10.62
448.12
174.68
107.95
1738.57 16514.68
9726.15
3.64
587.24 19915.74 10266.68
0.00
2009.47 18073.82
9228.60
1319.64
420.92
8546.63
4684.79
6135.26 11095.25 89614.85 41705.24
2901.24
6824.20 50687.74 18005.59
0.38
218.29
7577.63
4779.70
0.11
538.08
8964.77
6113.34
0.21
1018.23 14178.02
6574.20
847.19
7680.88 85808.82 47094.76
790.10
1418.02 64109.94 43938.87
1.37
2233.63 43276.84 26221.14
75929.63 55149.03 188253.20 88139.40
0.00
21.08
532.52
262.02
0.00
104.41
1463.70
905.56
0.00
17.61
539.60
367.44
0.00
9.57
647.64
262.53
75.79
3316.97 24584.50 14220.73
788.48
3700.51 42417.18 20347.98
6.27
1913.03 55985.81 32835.30
0.00
54.47
672.99
478.03
5034.78 19312.72 110474.89 72387.24
17.00
87.49
1357.97
1197.39
306.47
6390.10 82955.13 45016.25
5.15
627.65 10562.26
6969.79
629.29 12151.77 55116.39 29930.78
69.94
6.04
341.69
318.37
3.29
986.65 17626.01
6548.74
0.00
20.12
186.90
146.37
0.00
103.84
127.11
92.51
2123.76 26180.12 88835.27 29062.18
0.00
0.00
0.31
1.95
2.12
324.01
2819.92
1601.63
99895.82 191201.61 1194184.11 623060.30
Marine
Hull
5150.67
8337.07
3.47
4.24
284.79
651.46
204.21
617.13
757.57
1051.29
223.64
300.59
6111.54
9784.76
2289.59
4066.33
188.75
174.80
140.34
467.51
241.57
938.68
10458.69
7992.24
1151.76
3160.90
841.45
1592.05
35882.31 36211.85
15.60
3.07
11.82
21.49
4.46
4.61
8.73
2.64
459.88
1338.58
567.48
1527.51
924.43
2859.49
12.83
12.48
7016.22 12624.50
26.16
98.12
1897.35
4675.67
287.28
423.03
4401.64
3990.70
1.76
3.54
358.03
629.61
85.67
16.28
32.87
18.16
12778.79 13768.57
0.00
3.00
148.35
101.77
92969.70 117473.72
Liability Personal
Accident
105002.58
3.62
2399.98
11680.79
1397.57
1861.69
69325.21
43325.56
1859.40
467.17
2580.25
94636.13
24018.49
9493.17
326795.70
7.05
66.22
285.84
236.80
4645.95
8135.14
9525.56
38.16
138391.73
765.44
49743.55
2366.75
56218.81
16.63
6246.82
137.92
228.53
113477.48
0.23
648.00
1086029.90
Miscellaneous
Total
( ` Lakh)
STATEMENT 44
2472.01 25909.61 22290.71 364273.22

0.03
0.00
67.38
798.21
23.73
296.37
2107.61 37787.59
19.03 26769.58 19392.01 91474.78
29.53
3146.12
6939.98 46536.67
102.60
3.40
494.04 20549.53
2013.82 12501.96 27942.22 330211.14
368.95
816.00 15991.05 171411.02
14.09
1042.34
1375.96 20635.32
22.38
11.18
2707.78 21694.98
59.60
1163.59
4667.59 33212.92
3235.64
4187.99 23742.14 316464.60
772.07
624.32 13149.72 162750.24
209.16 23525.62 13326.46 132279.22
14697.22 14490.05 127541.20 1155405.39
0.14
3.40
69.43
952.14
2.40
48.33
250.68
3156.48
0.00
0.00
57.55
1337.94
0.16
0.00
86.88
1322.86
56.80
6602.61
4661.57 66452.32
589.16
0.00
9754.53 103339.25
277.06 44448.79 27625.78 188464.74
1.11
0.03
99.18
1478.82
2947.28
9617.62 34344.52 466002.78
1.42
5.08
314.67
4060.04
415.38
9775.20 25760.42 249035.87
44.67
929.06 10759.91 37292.21
997.19 10108.28 16615.90 224348.64
0.00
0.63
31.30
1008.40
465.01
0.00
4374.58 41708.31
0.39
0.00
30.44
834.29
0.00
0.00
27.25
946.28
3655.60
0.00 40649.67 405197.99
0.00
0.00
0.04
5.56
33.88
15.71
274.31
7654.23
33527.50 196042.87 457524.43 4710083.98
Health Overseas
Crop
Mediclaim Insurance
STATE-WISE GROSS DIRECT PREMIUM INCOME FOR 2010-11
STATEMENT 45
NET RETENTIONS OF NON-LIFE INSURERS

FOR 2010-11
(In Per Cent)
Segment
Retentions*
Fire
65.39
Marine Cargo
79.18
Marine Hull
25.06
Motor
98.88
Engineering
70.15
Aviation
37.50
Miscellaneous
90.63
Total
88.24
* Within the country
158
44827
42681
45291
254047
National
United
TOTAL
121247
Net Earned Premium

Motor Health Others 2010-11 2009-10
(` Lakh)
159
85956 464763 383819
59088 476395 381579
91038 431490 359083
31138
24176
40670
84351 789024 545725 346833 2019980 1695566 223211
24521 175542 133453
14234 227277 133115
22697 155012 117915
40781 438564 332924
26467 462328 324536
61426 406536 326018
78355 876628 580182 201538 1959914 1496723
21712 191646 153287
11266 259953 140465
19612 163732 121096
72864 652487 513245

(` Lakh)
25764 261297 165335
Fire Marine
22899 231193 161242 110751 647332 571086 127227
Fire Marine
Oriental
New India
Insurer
87.86
68.75
56.64
90.73
104.93
92.89
88.55
79.15
86.41
112.51
Fire Marine
111.10
109.17
114.38
105.63
113.02
106.31
114.86
105.52
102.70
102.54
58.11
47.44
44.79
67.47
65.79
97.03
94.36
97.05
94.22
100.80
88.27
86.74
85.05
90.79
89.87

(%)
INCURRED CLAIMS RATIO-PUBLIC SECTOR NON-LIFE INSURERS
STATEMENT 46
160
5035
2004
11287
11314
1949
1401
967
2244
218
632
(94)
(151)
(22)
IFFCO-Tokio
TATA AIG
ICICI Lombard
Bajaj Allianz
Cholamandalam
HDFC Ergo
Future Generali
Universal Sompo
Shriram
Bharti AXA
Raheja QBE
SBI General
L&T General
4917 129380 139925
5317 87619 71486
9270 18116 72669 58973
1315
4853
1761
490
(24)
(18)
(26)
91
(78)
10
334 25609
90 32552
81 12245
525 23053
16
3847
1912
6518
777 35225 15474
1223 43502 10806
7524
(33)
(7)
(65)
28
(253)
(175)
1148 31570
--
--
(331)
8364
143 33003 13605
2793 19275
1849 32912 18748
7759 60636 40006
5257 62737 46229
5728 147636 29199 21088 214965 188420
14
84
714
31
1037
838
1370
1217
6195
4923
5767 54311 39637
6483 99046 73267
3528 133138 118569
1787 66022 50907
7375
9695
168
178
49
241 23061
8 25396
189
520 19775
21
--
2810
2243
5710
633 35756 11057
739 37314
36
301
124
245
564
183
769 27596
73 25508
1052 14216
--
--
45
Note: Figures in bracket indicate negative values.
86.33
14.37
75.16
(60)
(56)
(7)
85.77
88.90
99.10
82.12
(26)
(1)
(13)
72.27
8.79
87.60
71.45
68.25
65.66
93.70
184
(229)
510
90.05
78.02
85.15
75.35
(191)
67.02
50.88
37.67
57.27
56.89
36.80
48.77
57.42
31.83
56.12
49.76
(109)
69.83
76.41
90.23
98.95
74.49
73.59
88.85
67.21
79.45
84.74
71.21
86.90
869
(223)
(104)
80.79
--
--
(14)
87.41 103.05
77.29
73.75
84.78
87.79
77.43
79.14
95.61
74.74
87.26
71.75 102.90
33.61
1 (4317)
73.05
0.00
79.17 117.34
85.78
81.41 101.51
60.41
56.40
92.41
53.11
87.76 102.91
83.51 101.59
98.93
46.20 233.56
86.69
97.83
62.42
54.76
51.46
62.94 102.04 123.65
63.89
STATEMENT 47
(%)
99.41 111.17 104.45
65.61
96.39
57.26
31.01
Fire Marine
8619 112.87
9500
5749
1059 27902 16915
4414 53230 39586
1935 48578 34434
3231 131245 19172 10284 170127 138657
4722 149367 91871 15884 273064 194838
7677 34629
3841 68805 15065
791 101467 25591
8395

(` Lakh)
731 54618
Fire Marine
4248 143004 99415 27663 285616 219282 11221
9193 34086
3882 78403 14638 11552 113510 92222
1256 99436 20696
1144 63264 16313
Net Earned Premium

(` Lakh)
41440 28414 738039 228103 107498 1143493 904453 31147 23332 691523 194233 53496 993731 730725
3075
Reliance General
TOTAL
1581
Fire Marine
Royal Sundaram
INSURER
INCURRED CLAIMS RATIO-PRIVATE SECTOR NON-LIFE INSURERS
National
New India
Oriental
United
Public Sector
Royal Sundaram
Reliance
IFFCO Tokio
TATA AIG
ICICI Lombard
Bajaj Allianz
Cholamandalam
HDFC Ergo
Future Generali
Universal Sompo
Shriram
Bharti AXA
SBI General
Raheja QBE
Star Health
Apollo Munich
Max Bupa
Private Sector
Total
Insurer
2010-11
Others
Government Schemes
2009-10
164.38 111.12
58.32
28.84
118.30
76.15
157.46 184.54
498.46 400.65
29.52
19.08
_
_
46.60
58.34
10.68
3.29
381.54 379.71
_
_
63.74
43.77
11.49
12.69
_
_
_
_
_
_
7.97
3.95
_
_
_
_
646.84 642.21
2.77
0.83
_
_
1201.15 1163.85
1699.61 1564.50
68 642.21 777.65
49 813.00 886.00
64 735.26 741.92
117 763.43 893.21
80 2953.90 3298.78
65
34.14
24.43
_ 120.47 148.37
125
79.72
76.22
31
_
_
100 420.01 391.40
_ 118.90 106.22
69
29.92
25.50
110
92.30
81.48
_
51.06
47.76
_
11.06
11.34
_
_
_
50
26.79
22.33
_
_
_
_
_
_
99
23.23
14.06
0.30
59.64
55.42
_
0.02
0.01
97 1067.24 1004.55
92 4021.14 4303.32
121 572.07 549.19

109 740.68 738.16
101 442.92 414.57
117 413.64 455.12
112 2169.31 2157.04
72
99.47
40.45
123
58.13
93.62
96
17.94
15.03
_
33.62
7.40
93 195.33 111.63
89 173.09
85.50
85
14.35
3.19
88
44.31
13.24
92
_
_
103
8.06
10.34
_
_
_
83
3.71
1.83
_
_
_
_
_
_
61 161.32 101.87
93
76.16
33.18
72
8.05
4.05
94 893.55 521.33
107 3062.86 2678.36
96
40.27
100
46.08
94
43.37
110
60.95
99 190.67
41
8.67
161
2.12
84
30.44
22
1.47
57 268.54
49
_
22
16.66
30
26.11
_
_
128
_
_
_
49
5.29
_
_
_
_
63 526.91
44
0.30
50
_
58 886.51
87 1077.18
25.77
42.98
33.49
62.78
165.02
5.51
1.67
20.85
0.04
262.41
_
15.31
14.02
_
_
_
1.53
_
_
475.62
0.04
_
797.00
962.02
64 381.00 490.08
93 560.00 776.00
77 507.92 725.64
103 603.16 849.65
87 2052.08 2841.37
64
27.18
7.19
79 122.83 142.49
68
76.93 100.35
3
_
_
98 285.18 286.26
_
85.93
83.81
92
11.70
15.17
54 125.68 175.93
_
31.32
36.15
_
8.57
9.59
_
_
_
28.96
9.02
9.47
_
_
_
_
_
_
90.27
6.27
9.57
12
40.36
46.81
_
_
_
90 830.97 922.79
89 2883.05 3764.16
129 467.98 449.26

139 662.92 616.02
143 350.31 316.34
141 307.91 366.41
138 1789.12 1748.03
26
0.74
0.32
116
72.88 100.88
130
14.29
12.42
_
27.00
7.88
100 200.00
93.82
98 172.61
95.50
130
4.44
3.63
140
6.83
1.35
115
_
_
112
3.65
5.53
_
_
105
0.72
4.36
_
_
_
_
_
_
152.63
77.25
47.26
116
22.07
10.15
_
0.00
0.00
111 602.47 383.10
131 2391.59 2131.13
96
93
90
119
98
43
138
87
29
47
55
82
20
_
151
_
607
_
_
61
46
58
64
89
Others
Group
Individual
Group
Individual
Net Claims Incurred
Net Claims Incurred
Net Claims Incurred
Net Claims Incurred
Net Claims Incurred
Net Claims Incurred
Earned Incurred Claims Earned Incurred Claims Earned Incurred Claims Earned Incurred Claims Earned Incurred Claims Earned Incurred Claims
Premium
(Net)
Ratio Premium
(Net)
Ratio Premium
(Net)
Ratio Premium
(Net)
Ratio Premium
(Net)
Ratio Premium
(Net) Ratio
Government Schemes
STATEMENT 48
CLAIMS PAID AND CLAIMS INCURRED RATIO - HEALTH INSURANCE
(Claims incurred ratio is in per cent) (Amount in ` Crore)
161
162
259190
36.04%
71891
10.00%
(264344)
-40.84%
235151
(11943)
(41137)
(1019)
COMMISSION,
EXPENSES OF MANAGEMENT
INCREASE IN RESERVE
FOR UNEXPIRED RISK
UNDERWRITING PROFIT/LOSS
GROSS INVESTMENT INCOME
OTHER INCOME LESS OTHER OUTGO
PROFIT BEFORE TAX
INCOME TAX DEDUCTED AT SOURCE

AND PROVISION FOR TAX
Note:Figures in brackets indicate negative values
(42156)
652487
90.72%
INCURRED CLAIMS (Net)
NET PROFIT AFTER TAX
719223
NET PREMIUM
40467
4540
35927
(6249)
214082
(171905)
-30.10%
29180
4.86%
229743
38.27%
513245
85.50%
600263
NEW INDIA
2010-11
2009-10
PARTICULARS
5462
(12579)
18041
(725)
179656
(160891)
-37.29%
29668
6.43%
185844
40.30%
406536
88.16%
461158
(4425)
(13249)
8823
(1983)
116944
(106138)
-29.56%
37170
9.38%
139202
35.13%
326018
82.28%
396253
ORIENTAL
2010-11
2009-10
7489
(51)
7540
(18381)
182142
(156222)
-32.79%
62576
11.61%
170289
31.60%
462328
85.78%
538971
22486
(4373)
26859
(20010)
134845
(87976)
-23.06%
16187
4.07%
145019
36.46%
324536
81.59%
397765
NATIONAL
2010-11
2009-10
13054
(28)
13083
(695)
187271
(173493)
-37.33%
46931
9.17%
199692
39.03%
438564
85.71%
511694
70779
(11505)
82284
1526
168857
(88099)
-22.95%
35196
8.40%
138994
33.17%
332924
79.45%
419016
UNITED
2010-11
2009-10
UNDERWRITING EXPERIENCE AND PROFITS OF PUBLIC SECTOR COMPANIES
(16151)
(13678)
(2473)
(31744)
784220
(754950)
-37.37%
211066
9.46%
815015
36.53%
1959914
87.85%
2231046
129307
(24587)
153894
(26715)
634727
(454118)
-26.78%
117733
6.49%
652958
36.01%
1496723
82.54%
1813297
TOTAL
2010-11
2009-10
(` Lakh)
STATEMENT 49
66022
68.59%
32553
33.82%
8630
8.97%
CLAIMS INCURRED (NET)
COMMISSION, EXPENSES OF
MANAGEMENT
INCREASE IN RESERVE
FOR UNEXPIRED RISK
163
(1488)
(526)
(2014)
PROFIT BEFORE TAX
INCOME TAX DEDUCTED

AT SOURCE AND
PROVISION FOR TAX
16085
6.96%
68648
29.71%
3097
(304)
3401
18
9278
4327
(1864)
6191
1984
28017
(5894) (23810)
-8.25% -11.08%
3974
5.27%
26474
35.08%
14884
17.00%
31321
35.77%
54311
62.03%
87553
42480
36.79%
(973) (13900)
-1.68% -12.04%
27244
46.97%
2947
2.06%
44583
31.21%
39637 133138 118569

68.34% 115.29% 82.99%
11719
9.36%
33375
26.65%
99046
79.09%
58000 115480 142872 125229
12083
(5898)
17980
2909
23336
(458)
1647
(2105)
(583)
11441
(1856)
17118
(184)
670 (31160)
191
478 (30976)
(1133)
9520
(5043)
4012
(9055)
(1140)
15313
(3270)
1667
(4937)
99
13875
(8265) (12963) (7908) (46238) (23228) (18911)

-4.39% -17.84% -13.41% -35.74% -16.60% -16.66%
8747
4.44%
58028
29.43%
50907 170127 138657

67.46% 73.63% 70.32%
75460 231050 197167
Note: Figures in brackets indicate negative values
18
9450
OTHER INCOME LESS

OTHER OUTGO
(10955)
-12.50%
96250
NET PREMIUM
UNDERWRITING
PROFIT/LOSS
(` Lakhs)
STATEMENT 50
17702
5.84%
62549
20.62%
12126
5.24%
57619
24.90%
9949
13.69%
23132
31.83%
48578
66.83%
72686
58868
19056 14535
24.58% 24.69%
53230 39586
68.67% 67.25%
77514
5235 16878 18863

10.17% 21.77% 32.04%
17250
33.52%
34434
66.91%
51463
2538
(1323)
3861
360
11991
(8034)
200
(8234)
1753
40009
14393
(1438)
15831
2552
46454
(2293)
(34)
(2259)
93
6622
236
51
185
314
5326
(3643)
(3643)
(197)
8204
(9430)
16
(9446)
(117)
4787
(8490) (49997) (33175) (8974) (5455) (11650) (14116)

-9.21% -17.50% -15.13% -14.30% -11.80% -12.34% -18.16%
6861
6.92%
27446
27.70%
73267 273064 194838

73.94% 90.03% 84.20%
99083 303318 231409
ROYAL SUNDARAM
BAJAJ ALLIANZ
TATA AIG
RELIANCE
IFFCO TOKIO
ICICI LOMBARD
CHOLAMANDALAM
HDFC ERGO
2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10
UNDERWRITING EXPERIENCE AND PROFITS OF PRIVATE SECTOR COMPANIES
164
17992
44.54%
7484
18.53%
(12983)
-39.45%
COMMISSION, EXPENSES
OF MANAGEMENT
INCREASE IN RESERVE
FOR UNEXPIRED RISK
UNDERWRITING
PROFIT/LOSS
Note: Figures in brackets indicate negative values
(8970)
(5125)
(8952)
(5051)
(8970)
(351)
2656
(7357)
-38.17%
3291
14.58%
12416
55.02%
14216
63.00%
22566
(73)
(8952)
PROFIT BEFORE TAX
(118)
1863
(10716)
-57.16%
5900
23.94%
12548
50.91%
16915
68.63%
24647
(5207)
146
(5353)
(163)
2064
(7254)
-96.41%
7293
49.22%
9029
60.93%
5749
38.80%
14817
UNIVERSAL SOMPO
2010-11 2009-10
INCOME TAX DEDUCTED

AT SOURCE AND
PROVISION FOR TAX
54
OTHER INCOME
LESS OTHER OUTGO
3977
27902
69.07%
CLAIMS INCURRED (NET)
40395
NET PREMIUM
FUTURE GENERALI
2010-11 2009-10
1255
(571)
1826
172
3493
(1840)
-5.58%
11685
26.15%
9335
20.89%
25508
57.08%
44688
1587
(887)
2474
248
1582
644
2.06%
8815
39.32%
3461
15.44%
9500
42.37%
22420
SHRIRAM
2010-11 2009-10
(17035)
(5)
(17030)
759
2328
(20117)
-36.33%
11897
27.37%
24091
55.42%
27596
63.49%
43468
(5)
(14230)
(4)
(14226)
(317)
909
(727)
(727)
(141)
1237
(14819)
(1823)
-177.17% 1040.02%
10305
171
55.20% -3583.13%
14564
1465
78.01% -30774.37%
1390
122.26%
7221
635.16%
564
49.63%
1137
SBI
2010-11
878
96.89%
6073
670.55%
245
27.01%
906
L&T
2010-11
(579)
(579)
(13)
1006
(2682)
(2682)
251
5105
(5932)
(5932)
(74)
432
(1571)
(8039)
(6290)
474.56% 3176.18% -22335.16%
49
-17.32%
1195
-423.36%
45
-16.09%
(282)
RAHEJA QBE
2010-11 2009-10
8619
183
46.17% -3847.90%
18669
BHARTI AXA
2010-11 2009-10
(85743)
256
(85999)
1983
153963
(241945)
-21.16%
118742
9.41%
391707
31.03%
993731
78.73%
1262235
(8856)
(5436)
(3420)
3399
133429
(140248)
-15.51%
90141
9.06%
313976
31.57%
730725
73.47%
994594
TOTAL
2010-11 2009-10
(` Lakh)
UNDERWRITING EXPERIENCE AND PROFITS OF PRIVATE SECTOR COMPANIES
165
3766.25
3098.47
1472.64
2025.37
1929.10
12291.84
386.52
211.88
412.58
354.86
579.09
818.33
101.10
179.47
171.53
109.86
69.46
35.72
99.35
65.45
59.16
60.83
31.10
0.00
3746.29
16038.12
31-03-10
4322.40
3322.97
1847.28
2373.68
2194.86
14061.19
634.17
358.00
492.24
517.76
967.17
1150.69
129.72
260.55
376.83
120.68
139.34
77.09
183.28
170.48
58.47
60.84
49.86
56.54
5803.71
19864.90
31-03-11
Central Govt. Securities
* FFE: Fire Fighting Equipments.
GIC
New India
National
United India
Oriental
PUBLIC TOTAL
Reliance
Royal Sundaram
IFFCO Tokio
TATA AIG
Bajaj Allianz
ICICI Lombard
Star Health
Cholamandalam
HDFC Ergo
Universal Sompo
Future Generali
Apollo Munich
Shriram
Bharti AXA
Raheja QBE
SBI General
Max Bupa
L&T
PRIVATE TOTAL
GRAND TOTAL
Insurer
2285.80
1139.50
744.02
903.06
766.35
5838.73
141.09
80.71
0.00
35.72
356.10
311.60
0.00
0.00
40.23
24.04
29.16
10.01
0.00
0.00
0.00
93.31
10.50
0.00
1132.48
6971.21
2452.82
1222.61
1181.01
1228.31
967.78
7052.52
61.02
88.53
114.17
40.44
252.23
301.58
0.00
35.61
0.00
3.99
65.39
14.31
57.95
0.00
0.00
93.30
10.05
0.00
1138.59
8191.11
1200.05
714.53
419.85
850.54
424.99
3609.96
111.04
145.08
128.59
115.10
216.61
204.33
15.00
45.85
40.14
21.49
26.62
13.32
14.59
15.24
10.01
49.26
7.53
0.00
1179.78
4789.74
1566.40
1028.59
664.30
1185.09
463.05
4907.42
286.70
229.78
184.93
255.19
351.22
249.74
45.04
90.42
95.34
36.57
53.60
21.03
55.54
30.10
10.00
59.34
7.50
3.97
2066.02
6973.44
State Govt. & Other Housing & Loans to State

Approved Securities Govt. for Housing & FFE
31-03-10 31-03-11 31-03-10 31-03-11
2086.43
1792.49
1209.25
1168.64
827.28
7084.09
329.49
218.76
192.92
217.58
757.84
765.96
24.97
96.89
171.30
60.34
76.38
33.01
112.14
36.94
25.19
156.69
12.52
0.00
3288.92
10373.01
2390.21
1751.62
1679.99
1569.18
1056.55
8447.55
332.89
347.75
340.41
361.55
697.65
563.48
54.90
141.34
223.41
85.30
147.51
42.77
163.86
60.78
20.27
156.40
20.08
8.01
3768.34
12215.89
Infrastructure
Investments
31-03-10 31-03-11
6637.31
4717.07
1883.89
3728.47
2473.33
19440.06
599.51
251.79
545.41
130.66
827.46
1208.62
86.89
252.02
183.71
30.64
66.39
44.55
52.08
136.67
87.47
276.23
35.96
0.00
4816.04
24256.10
7572.73
5898.07
2739.93
4403.74
3060.97
23675.44
803.06
358.89
686.24
184.34
1571.29
2073.16
101.05
404.84
527.19
84.09
191.50
130.81
275.45
327.68
93.01
234.79
36.23
9.69
8093.31
31768.76
Approved
Investments
31-03-10 31-03-11
ASSETS UNDER MANAGEMENT OF NON-LIFE INSURERS
1505.03
388.97
640.16
578.13
310.11
3422.42
89.01
0.05
0.00
2.04
2.79
333.86
28.09
0.00
17.23
11.83
7.99
2.59
0.00
20.91
0.00
0.00
4.92
0.00
521.32
3943.74
1473.25
380.29
278.55
487.58
471.51
3091.17
19.06
0.10
0.00
3.13
12.34
255.44
0.00
34.85
0.48
0.94
4.51
10.05
44.34
21.44
0.00
0.00
8.24
0.00
414.91
3506.08
Other
Investments
31-03-10 31-03-11
17480.88
11851.03
6369.80
9254.22
6731.16
51687.09
1656.66
908.26
1279.50
855.97
2739.89
3642.70
256.05
574.23
624.13
258.19
276.00
139.20
278.16
275.21
181.83
636.32
102.53
0.00
14684.83
66371.92
19777.80
13604.15
8391.06
11247.57
8214.72
61235.30
2136.90
1383.06
1817.99
1362.41
3851.90
4594.09
330.71
967.61
1223.25
331.57
601.85
296.06
780.43
610.49
181.75
604.67
131.95
78.21
21284.87
82520.18
Total
Investments
31-03-10 31-03-11
(` Crore)
STATEMENT 51

STATEMENT 52
EQUITY SHARE CAPITAL OF NON-LIFE INSURERS

(` Crore)
Insurer
As on
31st March,
2010
Infusion
During
2010-11
Royal Sundaram
210.00
40.00
Reliance General
115.22
Bajaj Allianz
Foreign
Promoter
Indian
Promoter
FDI (%)
250.00
65.00
185.00
26.00
1.45
116.67
0.00
116.67
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
65.00
365.00
94.90
270.10
26.00
ICICI Lombard
403.63
0.93
404.57
104.54
300.02
25.84
HDFC Ergo
415.00
71.00
486.00
126.36
359.64
26.00
Cholamandalam
266.96
0.00
266.96
69.41
197.55
26.00
Future Generali
280.00
195.00
475.00
121.13
353.88
25.50
Universal Sompo
150.00
0.00
150.00
39.00
111.00
26.00
Bharti AXA
200.00
222.27
422.27
93.84
328.43
22.22
Shriram General
105.00
0.00
105.00
27.30
77.70
26.00
Raheja QBE
207.00
0.00
207.00
53.82
153.18
26.00
SBI General
150.00
0.00
150.00
39.00
111.00
26.00
L&T General
0.00
200.00
200.00
0.00
200.00
0.00
3160.04
795.66
3955.70
927.18
3028.52
23.44
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
Public Total
550.00
0.00
550.00
0.00
550.00
0.00
3710.04
795.66
4505.70
927.18
3578.52
20.58
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
164.33
38.66
202.99
42.36
160.63
20.87
Apollo Munich
129.30
66.90
196.20
50.08
146.12
25.53
Max Bupa
151.00
120.00
271.00
70.46
200.54
26.00
GIC
430.00
0.00
430.00
0.00
430.00
0.00
5684.67
1021.21
6705.89
1090.08
5615.80
16.26
Private Total
Total (Non Life)
Grand Total (Non Life)
As on
31st March,
2011
166

STATEMENT 53
SOLVENCY RATIO OF NON-LIFE INSURERS
Sl
No.
Insurer
March
2010
June
2010
September
2010
December
2010
March
2011
PRIVATE INSURERS
1
Bajaj Allianz
1.54
1.92
1.96
2.02
1.73
Bharti AXA
2.38
2.43
1.62
1.69
1.70
Cholamandalam
1.76
1.78
1.75
1.64
1.61
Future Generali
1.54
1.68
2.05
2.12
2.06
HDFC Ergo
1.49
1.75
1.71
1.95
1.71
ICICI Lombard
2.07
1.78
1.66
1.63
1.56
IFFCO Tokio
1.76
1.63
1.61
1.53
1.23
L & T General
NA
NA
NA
2.02
2.30
Raheja QBE
3.79
3.79
3.78
3.74
3.65
10
Reliance General
1.70
1.68
2.18
1.95
1.15
11
Royal Sundaram
1.39
1.51
1.53
1.51
1.56
12
SBI General
12.84
12.87
12.79
12.54
12.00
13
Shriram General
1.75
2.16
1.86
1.71
1.32
14
TATA AIG General
1.88
1.77
2.00
1.82
1.68
15
Universal Sompo
3.15
2.72
2.58
2.49
2.14
PUBLIC INSURERS
16
National
1.60
1.61
1.52
1.53
1.34
17
New India
3.55
3.50
3.22
3.22
2.90
18
Oriental
1.56
1.54
1.26
1.41
1.34
19
United India
3.41
3.46
3.77
3.46
2.89
2.07
2.46
2.68
3.13
3.71
14.17
13.66
14.41
6.63
9.05
SPECIALISED INSURERS
20
AIC
21
ECGC
22
Apollo Munich
1.64
1.93
1.72
1.94
1.89
23
Max Bupa
2.07
2.05
2.14
1.92
2.03
24
Star Health
1.68
2.38
1.96
1.74
1.50
3.71
3.99
3.87
4.11
3.35
Re-INSURER
25
GIC
NA: Not Applicable

167
168
(38728)
(38728)
(38728)
3994
(8900)
(8900)
(8900)
38722
63
9672
3223
25764
29822
Figures in brackets indicate negative amounts
TOTAL (C )
235
185667
Shareholders Account
Transfer to
APPROPRIATIONS
C= (A - B)
Miscellaneous Business
from Fire/Marine/
Operating Profit/(Loss)
TOTAL (B)
Foreign Taxes
Write offs & Provisions
Others- Amortizations,
to Insurance Business
40425
17780
Commission
Operating Expenses related
127227
14823
146939
2929
22899
121247
10869
Marine
Fire
TOTAL (A)
& Rent Gross
Interest, Dividend
Others
of Investments
Profit/ Loss on sale/redemption
PARTICULARS
912945
1267
194323
64867
652487
785803
79892
58579
647332
Total
(79513) (127141)
(79513) (127141)
(30572)
(30572)
(30572)
155684
10
35967
12827
106878
125112
10506
7847
106758
Fire
NEW INDIA
(79513) (127141)
688555
969
144225
43865
499496
609042
61075
44781
503186
Misc
2010-11
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
2009-10
(50358)
(50358)
(50358)
743125
73
65
173606
56137
513245
692767
69654
52028
571086
Total
(2158)
(2158)
(2158)
62568
77
19872
1949
40670
60410
6355
(4)
9233
44827
Fire
(2109)
(2109)
(2109)
31169
32
9298
2227
19612
29061
2667
(179)
3875
22697
Marine
(19952)
(19952)
(19952)
499320
569
128084
24414
346254
479369
47132
(206)
68477
363966
Misc
2010-11
(24218)
(24218)
(24218)
593058
677
157254
28590
406536
568840
56154
(389)
81585
431490
Total
345
345
345
45380
(17)
14415
(146)
31128
45725
4852
(88)
4488
36473
Fire
ORIENTAL
PUBLIC SECTOR NON-LIFE INSURERS : POLICYHOLDERS ACCOUNT
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
(` Lakh)
STATEMENT 54
Misc
Total
169
15723
15723
15723
1747 (44561) (27090)
1747 (44561) (27090)
1747 (44561) (27090)
Figures in brackets indicate negative amounts
Other Reserves
TOTAL (C )
Catastrophe Reserve
Transfer to
Transfer to
Shareholders Account
APPROPRIATIONS
Transfer to
C= (A - B)
Miscellaneous Business
from Fire/Marine/
166
15653
166
15486
17672 590637 648435
40126
61
TOTAL (B)
106
25544
5154 125167 144745
22933
Foreign Taxes
Write offs & Provisions
Others- Amortizations,
14424
1190
1421
Commission
11266 426885 462328
24176
19419 546077 621346
55850
53433
91517
46668
79929
TOTAL (A)
1912
3274
14234 419480 476395
Marine
4854
8314
42681
Fire
Rent Gross
Interest, Dividend &
Others
/redemption of Investments
Profit/ Loss on sale
PARTICULARS
11646
11646
11646
33825
134
12183
1220
20288
45471
4199
5937
35335
Fire
NATIONAL
2010-11
Misc
Total
39070
55241
45138
63821
20825
23141
596
8081
596
8298
7101
7101
7101
(6658)
(6658)
(6658)
12090
12090
12090
10434 434190 478449
82
4504 105190 121878
1096
4752 299497 324536
17535 427532 490538
1870
2643
13022 333221 381579
Marine
2009-10
2341
2341
2341
53253
66
21809
240
31138
55594
4772
(8)
5539
45291
Fire
Misc
Total
45965
105
50465
53354
97
59041
25567
27154
601
703
(2523) (61522) (61704)
(2523) (61522) (61704)
(2523) (61522) (61704)
32699 553007 638959
36
9604 141126 172538
1347
21712 385714 438564
30176 491485 577255
2617
3037
Fire
19975
19975
19975
33729
268
14095
(441)
19807
53704
5582
585
6491
41045
UNITED
24521 394951 464763
Marine
2010-11
Misc
Total 2010-11 2009-10
40215
4027
46763
(292)
4380
47882 242834 207902
4908
55678 290722 213361
23294 146155 126699
1931
2299
166
18301
669
10500
94483 115699 668860 526259
21454
(5381)
(5381)
(5381)
3477
3477
3477
18071 (240153) (39641)
18071 (240153) (39641)
18071 (240153) (39641)
31355 409132 474217 2793397 2160851
100
7122
2282
21852 291265 332924 1959914 1496723
25974 412609 492288 2553244 2121210
2085
296
2424
21170 321604 383819 2019980 1695567
Marine
PUBLIC TOTAL
(` Lakh)
2009-10
PUBLIC SECTOR NON-LIFE INSURERS : POLICYHOLDERS ACCOUNT
(38728)
(8900)
(79513)
(127141)
170
Note: Figures in brackets indicate negative values.
(4)
804
268
(54)
1015
18041
(12579)
5462
455
7379
(34)
(93)
7708
35927
4540
40467
30523
3083
2379
1357
19056
1592
43635
8500
1445
17089
24828
(2109)
(19952)
(24218)
(4425)
(345)
1195
8823
(13249)
(4425)
(5)
1250
295
15523
14358
(128)
(420)
10018
345
1953
(21742)
(19443)
2009-10
ORIENTAL
2010-11
52893
39508
(30572)
1189
(20974)
(50358)
2009-10
NEW INDIA
2010-11

(a) Interest, Dividend & Rent Gross
55780
(b) Profit on sale of investments
40899
OTHER INCOME
(300)
TOTAL (A)
(30761)
355
9123
(c) Others
713
OTHER EXPENSES
(a) Expenses other than those related
(c) Others
185
TOTAL (B)
10376
Profit Before Tax
(41137)
(1019)
Profit after Tax
(42156)
APPROPRIATIONS
(a) Interim dividends paid during the year
(b) Proposed final dividend
(c) Dividend distribution tax
(33)
(d) Contingency reserves for
Unexpired Risks (Schedule 16B)
(e) Transfer to any Reserves or Other Accounts
(42123)
Balance of Profit / Loss B/f from last year
Balance C/f to Balance Sheet
(a) Fire Insurance
(b) Marine Insurance
(c) Miscellaneous Insurance
PARTICULARS
7489
17341
4398
747
1313
12888
26859
(4373)
22486
275
318
579
3150
7540
(51)
7489
(198)
11498
1772
39747
10723
15162
11646
7101
(6658)
12090
2009-10
(420)
2673
716
10690
13663
23529
15723
1747
(44561)
(27090)
2010-11
NATIONAL
9569
3000
486
1866
479
13083
(28)
13054
98
(306)
(1178)
390
13562
34655
40221
2341
(2523)
(61522)
(61704)
2010-11
54167
14200
2412
2125
1449
82284
(11505)
70779
91
36
(803)
366
83734
30190
35107
19975
(5381)
3477
18071
2009-10
UNITED
PUBLIC SECTOR NON-LIFE INSURERS : SHAREHOLDERS ACCOUNT
(21983)
2379
3000
453
2576
15020
(2473)
(13678)
(16151)
416
(375)
11422
981
121187
129477
(128)
2163
12547
(22821)
(11785)
(205547)
(240153)
97605
27098
4604
3000
23239
153894
(24587)
129307
366
288
19324
262
3310
177134
109330
104135
1394
4863
(45897)
(39641)
2009-10
TOTAL
2010-11
(` Lakh)
STATEMENT 55
691154
1673201
Reserves & Surplus
Fair Value Change Account
171
10186
Deferred Tax Assets
1039870
1127836
463661
1591497
(551627)
Sub-Total (A)
CURRENT LIABILITIES
Provisions
Sub-Total (B)
Net Current Assets (C)= (A-B)
2384355
Note: Figures in brackets indicate negative values.
TOTAL
(Debit Balance)
Profit & Loss Account
not written off or adjusted)
13725
509425
Misc. Expenditure (to the extent
530445
Cash & Bank Balance
CURRENT ASSETS
15683
48566
2847822
Fixed Assets
Loans
Investments
TOTAL
Deferred Tax Liability
2384355
20000
Share Capital
Borrowings
2011
SOURCES OF FUNDS
2307194
(394735)
1376096
428039
948057
981361
544842
436519
9458
16215
55935
2620322
2307194
1564174
723021
20000
2010
NEW INDIA
PARTICULARS
1031182
11885
(557398)
919534
289250
630283
362136
191508
170628
8736
27414
1540546
1031182
832781
188402
10000
2011
1004656
(416209)
805917
282632
523286
389708
239763
149946
9078
30999
1380788
1004656
811716
182940
10000
2010
ORIENTAL
979860
6170
(680885)
962833
290024
672809
281948
202985
78963
8360
34237
1611977
979860
814081
155779
10000
2011
963806
5578
(506593)
841819
230340
611479
335226
291062
44164
10990
35977
1417854
963806
805516
148290
10000
2010
NATIONAL
(AS ON 31st MARCH)
896419
(679263)
971366
298237
673130
292103
193324
98780
8642
40367
1526672
896419
471625
409793
15000
2011
2010
896090
(504934)
824887
288805
536082
319953
235577
84376
10838
45356
1344830
896090
480845
400245
15000
UNITED
PUBLIC SECTOR NON-LIFE INSURERS : BALANCE SHEET
5291815
31780
(2469172)
4445230
1341172
3104057
1976057
1097241
878816
10186
41421
150583
7527018
5291815
3791688
1445128
55000
2011
55000
2010
5171746
5578
(1822471)
3848720
1229815
2618904
2026249
1311244
715004
9458
47121
168268
6763793
5171746
3662251
1454495
TOTAL
(` Lakh)
STATEMENT 56
490
(186)
Commission
172
77381
23397
3077
50907
78467
5956
1016
71486
9798
5191
(1588)
6195
13522
1972
222
14
11314
18890
1392
133
659
659
659
APPROPRIATIONS

TOTAL (C )
156
156
156
Note : Figures in brackets indicates negative values.
1255
TOTAL (B)
Others-Miscellaneous
(4536)
(4536)
(4536)
(3721)
(3721)
(3721)
1086
1086
1086
3724
3724
3724
21453
1627
151
16721
3480
695
197923 214965 188420
Misc. 2010-11 2009-10
1682
429
3231
57739
5195
212
145
54851
3177
995
995
995
(4934)
(4934)
(4934)
(215)
(215)
(215)
12274
12274
12274
5341 223272 238411 197042
(535)
171
64612
4036
160701 170127 138657
6336 218338 238196 209316
590
13
5728
Marine
(535)
98575
30471
2082
66022
94854
7082
17
136
87619
Fire
Premium Deficiency
96226
29158
2268
64800
91690
6651
17
127
84894
Misc. 2010-11 2009-10
BAJAJ ALLIANZ
171
1094
363
731
1250
103
1144
Marine
ROYAL SUNDARAM
Solatium Fund
Co-insurance administration fee
951
1914
TOTAL (A)
327
1581
Fire
Others
of Investments
PARTICULARS
2368
2368
2368
94
33
1214
(2468)
1315
2462
402
53
2004
Fire
(1889)
(1889)
(1889)
11793
2807
1309
7677
9904
573
(25)
163
9193
Marine
PRIVATE SECTOR NON-LIFE INSURERS : POLICYHOLDERS ACCOUNT
(5381)
(5381)
(5381)
73899
72
43
25402
3057
45319
68518
5955
(228)
1318
61472
(4902)
(4902)
(4902)
85786
72
43
38
29422
1899
54311
80884
6930
(249)
1534
72669
(1517)
(1517)
(1517)
67035
96
24
34
25016
2229
39637
65518
5531
(141)
1155
58973
Misc. 2010-11 2009-10
TATA AIG
(` Lakh)
STATEMENT 57
1761
(827)
Commission
173
1559

TOTAL (C )
1559
1559
APPROPRIATIONS
2009
TOTAL (B)

Solatium Fund
Premium Deficiency
Insurance Business
1074
3567
TOTAL (A)
Operating Expenses related to
445
47
3075
Fire
Others
of Investments
PARTICULARS
222
222
222
1141
402
(51)
791
1363
96
10
1256
Marine
(37046)
(37046)
(37046)
172424
43211
(1373)
130587
135378
9481
10
837
125049
Misc.
RELIANCE
(35266)
(35266)
(35266)
175574
44687
(2252)
133138
140308
10023
10
894
129380
2010-11
(12623)
(12623)
(12623)
162860
(254)
48063
(3519)
118569
150237
8404
12
1897
139925
2009-10
(1734)
(1734)
(1734)
7306
3358
(906)
4853
5572
580
(58)
14
5035
Fire
(1197)
(1197)
(1197)
5684
2285
(442)
3841
4487
569
21
14
3882
Marine
(4420)
(4420)
(4420)
119432
26221
2859
90352
115012
10173
(7)
253
104593
Misc.
(7351)
(7351)
(7351)
132422
31864
1511
99046
125070
11323
(44)
282
113510
2010-11
IFFCO TOKIO
2147
2147
2147
100713
24927
2519
73267
102860
10457
(28)
208
92222
2009-10
(2707)
(2707)
(2707)
16008
4583
204
11221
13301
548
1152
314
11287
Fire
(2220)
(2220)
(2220)
6744
185
2658
(822)
4722
4524
266
(143)
153
4248
(13136)
(13136)
(13136)
313046
60738
(4812)
257121
299911
15928
4784
9117
270081
Misc.
ICICI LOMBARD
Marine
(18063)
(18063)
(18063)
335798
185
67979
(5430)
273064
317735
16742
5793
9583
285616
1515
1515
1515
251473
(985)
55514
2106
194838
252987
14325
3677
15703
219282
2010-11 2009-10
(` Lakh)
1217
(404)
Commission
174
45
45
45
2356
TOTAL (C )
APPROPRIATIONS
TOTAL (B)
Premium Deficiency
Solatium Fund
Insurance Business
1544
2401
TOTAL (A)
443
Others
1949
Fire
of Investments
PARTICULARS
192
192
192
1118
812
(432)
739
1311
84
1223
Marine
(4276)
(4276)
(4276)
68107
(128)
20955
658
46623
63832
4135
130
59565
Misc.
(4038)
(4038)
(4038)
71582
(128)
23311
(178)
48578
67544
4661
138
62737
2010-11
CHOLAMANDALAM
(1569)
(1569)
(1569)
51812
128
19395
(2145)
34434
50243
3506
501
46229
2009-10
1036
1036
1036
654
1018
(1734)
1370
1690
235
38
17
1401
Fire
48
48
48
800
374
(207)
633
848
67
(1)
777
Marine
(7199)
(7199)
(7199)
70831
21529
(1924)
51226
63632
4562
282
330
58458
Misc.
HDFC ERGO
(6115)
(6115)
(6115)
72286
22920
(3864)
53230
66170
4864
319
352
60636
2010-11
(10805)
(10805)
(10805)
54121
18278
(3743)
39586
43316
2378
686
247
40006
2009-10
(1018)
(1018)
(1018)
2246
(75)
2100
(617)
838
1228
239
21
967
Fire
(610)
(610)
(610)
1246
925
(199)
520
636
102
525
(8915)
(8915)
(8915)
42359
32
16301
(517)
26544
33444
1855
162
31420
Misc.
(10543)
(10543)
(10543)
45851
(75)
32
19325
(1333)
27902
35308
2196
192
32912
(9967)
(9967)
(9967)
29508
24
21
14274
(1726)
16915
19542
700
88
18748
2010-11 2009-10
FUTURE GENERALI
Marine
(` Lakh)
215
2473
1037
TOTAL (A)
175
(759)
TOTAL (C )
(759)
(759)
APPROPRIATIONS
3231
2175
TOTAL (B)
Premium Deficiency
Solatium Fund
20
(14)
Others
Commission
28
2244
Fire
of Investments
PARTICULARS
(454)
(454)
(454)
558
170
233
(33)
189
104
22
(1)
81
Marine
(4948)
(4948)
(4948)
23039
27
9239
782
12990
18091
1027
(18)
132
16950
Misc.
(6161)
(6161)
(6161)
26828
170
27
11646
769
14216
20667
1263
(33)
162
19275
2010-11
UNIVERSAL SOMPO
(6663)
(6663)
(6663)
14794
8344
685
5749
8131
596
(39)
50
7524
2009-10
197
197
197
47
53
(37)
31
244
16
10
218
Fire
(3)
13
Marine
1001
1001
1001
34966
178
7816
1504
25469
35967
2892
299
32776
Misc.
SHRIRAM
1203
1203
1203
35021
178
7871
1464
25508
36224
2912
309
33003
2010-11
1928
1928
1928
13060
4103
(642)
9500
14989
1066
319
13605
2009-10
(1134)
(1134)
(1134)
1941
24
1716
(520)
714
807
149
26
632
Fire
(272)
(272)
(272)
650
496
(87)
241
378
36
334
(16200)
(16200)
(16200)
48969
260
(428)
22274
213
26641
32769
1833
332
30604
Misc.
BHARTI AXA
Marine
(17606)
(17606)
(17606)
51560
267
(403)
24485
(395)
27596
33954
2018
365
31570
(14647)
(14647)
(14647)
23611
428
15604
(1040)
8619
8964
579
20
8364
2010-11 2009-10
(` Lakh)
176
(315)
TOTAL (C )
(315)
(315)
APPROPRIATIONS
236
TOTAL (B)
(50)
(50)
(50)
24
(1410)
(1410)
(1410)
1388
(1774)
(1774)
(1774)
1648
(1566)
(1566)
(1566)
1240
(3966)
(3966)
(3966)
3864
(46)
(46)
(46)
28
28
(0)
(3704)
(3704)
(3704)
3637
3240
(82)
480
(7716)
(7716)
(7716)
7529
7055
(90)
564
(186)
65
(253)
(873)
(873)
(873)
858
872
(28)
14
(16)
(1)
(22)
(179)
(179)
(179)
156
151
(1)
(23)
(0)
(24)
(5200)
(5200)
(5200)
5315
11
5086
(7)
225
116
45
(4)
75
L&T GENERAL
Marine
Misc.
91629
8138
13420
70222
8008
21561
393188
(1782)
993731
517
103
(447)
197
34
312961
976
730725
(6252) (128520)
(6252) (128520)
(6252) (128520)
(40406)
(40406)
(40406)
6329 1385200 1044650
11
6109
(36)
245
77 1256680 1004245
54
(5)
904453
PRIVATE TOTAL
2010-11 2009-10
28 1143493
2010-11
(776)
3788
(8)
84
(67)
16
(84)
Fire
Premium Deficiency
1195
45
(18)
(18)
2010-11
283
1429
36
183
(102)
49
(151)
SBI GENERAL
Marine
Misc.
Solatium Fund
1176
39
173
(326)
(331)
Fire
38
20
(126)
43
(175)
2009-10
(` Lakh)
Insurance Business
233
(4)
Commission
(22)
(79)
TOTAL (A)
(26)
27
15
(55)
RAHEJA QBE
Misc. 2010-11
(26)
Marine
(94)
Fire
Others
of Investments
PARTICULARS
(` Lakh)
STATEMENT 58
177
Note :Figures in brackets indicates negative values.
33
151
184
6191
(1864)
4327
51645
55973
5
3401
(304)
3097
1282
4379
39562
51645
(5898)
12083
280
17980
249
31
6260
152
(108)
286
6375
1888
411
20
3405
5650
270
(35)
102
18261
3724
995
(4934)
748
70
267
3964
(268)
8578
3079
2620
1647
(458)
72
(2105)
(2)
9
65
2318
659
(165)
57
(2033)
2368
(1889)
(5381)
2409
3079
191
670
(700)
2
1178
2223
611
(177)
40
1180
2027
(485)
(3059)
(21589)
(52749)
(184)
(31160)
(1449)
(30976)
(45)
(1404)
4819
1382
(875)
412
(29527)
1559
222
(37046)
(16547)
(21589)
4012
(5043)
(1415)
(9055)
(39)
(1376)
3955
1058
(165)
135
(7640)
1898
(2)
(14519)
(3)
5629
7300
741
126
7300
4033
(1323)
2538
49
3861
49
437
3910
1300
26
(1211)
(1185)
4543
1667
(3270)
52
(4937)
52
196
(4885)
2216
55
(1734)
(1197)
(4420)
11686
17450
1079
1052
17450
1765
1097
6452
5659
940
(1438)
14393
802
1179
15831
810
3899
(8234)
200
(8034)
70
307
7837
8589
(956)
24
17009
511
525
479
136
250
2704
9156
4528
(204)
248
(4335)
(2707)
(2220)
(13136)
775
(1518)
(34)
(2293)
(2259)
(2259)
1733
89
(43)
45
192
(4276)
539
775
51
236
100
185
50
50
1090
229
(0)
535
285
194
(163)
(1600)
ROYAL
BAJAJ
TATA
RELIANCE
IFFCO
ICICI
CHOLAMANDALAM
SUNDARAM
ALLIANZ
AIG
TOKIO
LOMBARD
2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10
(a) Fire Insurance
659
157
(4536)
2179
54
Other Income
6
TOTAL (A)
(1483)
(c) Others
OTHER EXPENSES
5
(c) Others -preliminary
& pre-operative, amortizations
TOTAL (B)
5
Profit Before Tax
(1488)
Add/(Less): Prior Period
Adjustments Account
Add/(Less):Provision for
Taxation/Deferred Tax
(526)
Profit After Tax
(2014)
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
4379
2365
PARTICULARS
PRIVATE SECTOR NON-LIFE INSURERS : SHAREHOLDERS ACCOUNT
178
Note :Figures in brackets indicates negative values.
(` Lakh)
15
15
1826
(571)
1255
1197
2452
0
8
8
(5353)
146
(5207)
(1469)
(6676)
214
(390) (21358) (7127)

1197 (38392) (21358)
(887)
(5)
(4)
1587 (17035) (14230)
11
214
2474 (17030) (14226)
11
26
14
481
91
2485 (16816) (14226)
31
24
1841
(100)
(5345)
204
125
582
1288
130
106
203
516
197
5
1001
(1452)
(221)
(4989)
4 (1134) (1671)
(0)
(272)
(284)
1925 (16200) (12692)
(1499)
(2226)
(727)
16
(727)
16
(711)
1173
(110)
(315)
(50)
(1410)
(920)
(1484)
(564)
(564)
(564)
992
10
(171)
(15)
(1380)
(1099)
(3781)
(2682)
13
13
(2682)
7
(2669)
5018
22
(3966)
(46)
(3704)
16905
(1447)
1052
(809) (3355)
(6741) (96746)
1079
937
852
298
(2720)
(700)
(5436)
(8856)
6452
741
1223
5659
256
(5932) (85743)
610
259
831
16
3097
(5932) (85999)
432
50
339
(1376)
2801
(1404)
16
29184
11710
(1307)
1219
407
370 40809
12
7559
(47) (1411)
0
1702
(5917) (80005)
(873) (2918)
4849
(179) (5298) (2628)
(5200) (120302) (42625)
HDFC
FUTURE
UNIVERSAL
SHRIRAM
BHARTI
RAHEJA
SBI
L&T
TOTAL
ERGO
GENERALI
SOMPO
AXA
QBE
General General
2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2010-11 2010-11 2009-10
(a) Fire Insurance
1036
1067 (1018) (1060)
(759)
48
(143)
(610)
(458)
(454)
(c ) Miscellaneous Insurance
(7199) (11729) (8915) (8448) (4948)
2399
1284
1459
958
1020
174
133
129
117
211
Other Income
(68)
(54)
22
(25)
30
TOTAL (A)
(3611) (9442) (8932) (8917) (5044)
(c) Others
OTHER EXPENSES
32
4
20
12
(c) Others -preliminary & pre-operative, amortizations
42
8
TOTAL (B)
32
4
20
54
8
Profit Before Tax
(3643) (9446) (8952) (8970) (5051)
Add/(Less): Prior Period Adjustments Account
Add/(Less):Provision for Taxation/Deferred Tax
16
(73)
Profit After Tax
(3643) (9430) (8952) (8970) (5125)
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
(16715) (7284) (19436) (10466) (6676)
(20357) (16715) (28388) (19436) (11800)
PARTICULARS
PRIVATE SECTOR NON-LIFE INSURERS : SHAREHOLDERS ACCOUNT
179
78727
49587
128314
Sub-Total (A)
CURRENT LIABILITIES
Provisions
Sub-Total (B)
29839
TOTAL
Profit & Loss Account (Debit Balance)
Misc. Expenditure
(C) = (A - B)
(110218)
18096
NET CURRENT ASSETS
4539
13557
CURRENT ASSETS
4050
66559
361096
130055
231041
93925
27366
293959
113879
180080
100972
71323
29649
3785
15336
3285
128486
44687
83799
28042
22719
5323
1189
25316
83561
79279
40271
(68026) (267171) (192987) (100444)
99200
41094
58106
31174
27123
4175
15607
191978
57537
134441
30529
23807
6722
3887
35698
114935
52749
(53820) (161449)
92333
30270
62063
38514
32096
6417
988
2933
213718
114935
3022
1041
1662
85597
35698
516
136241
40271
1269
253146
79279
29
Deferred Tax Asset
330949
83561
1107
11667
103239
Fixed Assets
90639
25316
(362)
4591
30000
3006
138271
29839
(51)
4133
36500
Loans
Investments
TOTAL
Others
Borrowings
(97)
68307
11023
99818
21589
(99291)
181809
71523
110286
82517
74275
8243
4097
4751
3006
165666
99818
(888)
89184
11522
44166
(84467)
173293
63368
109925
88826
30290
58535
2472
2372
123789
44166
19465
24700
112626
40457
628470
144315
484155
312798
273797
39001
4729
38813
466530
194399
493958
126594
367364
278282
273247
5034
4529
14334
376057
179244
11913
19
126949
40363
ICICI LOMBARD
2011
2010
47432
194399
179244
(36324) (315672) (215676)
138024
52517
85507
101699
53736
47963
758
1516
81482
47432
22732
24700
IFFCO TOKIO
2011
2010
7293
(63)
72634
11023
RELIANCE
2011
2010
34023
(26)
4379
21000
TATA AIG
2011
2010
4865
BAJAJ ALLIANZ
2011
2010
Share Application Money
25000
Reserves & Surplus
ROYAL SUNDARAM
2011
2010
Share Capital
SOURCES OF FUNDS
PARTICULARS
PRIVATE SECTOR NON-LIFE INSURERS : BALANCE SHEET

(AS ON 31st MARCH)
26703
957
(73757)
91044
37183
53861
17288
16590
698
2892
96610
26703
47
(40)
26696
28045
(30607)
47086
27196
19890
16479
14807
1671
34
1403
57215
28045
112
(99)
1336
26696
CHOLAMANDALAM
2011
2010
(` Lakh)
STATEMENT 59
3700
39
61
Borrowings
180
(88246)
NET CURRENT ASSETS (C) = (A - B)
62800
TOTAL
20357
Misc. Expenditure
45899
64547
CURRENT LIABILITIES
110446
22200
Sub-Total (A)
Sub-Total (B)
11876
Provisions
10325
8327
122361
CURRENT ASSETS
Deferred Tax Asset
Fixed Assets
Loans
Investments
TOTAL

62800
10400
Reserves & Surplus
Others
48600
Share Capital
41574
16715
(39977)
64894
28965
35929
24917
18209
6709
2468
62368
41574
70
41500
HDFC ERGO
2011
2010
PARTICULARS
49748
28388
(39370)
61819
21599
40221
22449
20401
2048
2152
58578
49748
(2)
2250
47500
29503
19436
(18921)
32961
13430
19531
14040
13087
953
2994
25994
29503
1500
28000
FUTURE GENERALI
2011
2010
23387
11800
(23807)
33276
12649
20627
9469
7688
1782
82
2347
32964
23387
(193)
8580
15000
23574
6676
(11491)
19657
9204
10453
8166
6457
1709
155
2421
25814
23574
(6)
8580
15000
UNIVERSAL SOMPO
2011
2010
12952
(50727)
73066
24994
48072
22339
2533
19806
772
2092
60815
12952
2452
10500
11697
(16834)
21914
13328
8587
5081
2608
2473
529
2135
25867
11697
1197
10500
SHRIRAM
2011
2010
55895
38392
(47014)
56471
24326
32145
9456
7335
2121
3466
61051
55895
13665
42227
33408
21358
(18666)
24566
12001
12565
5900
3056
2844
3178
27538
33408
17
7500
5891
20000
BHARTI AXA
2011
2010
20701
2226
88
682
233
449
770
747
22
213
18175
20701
20700
20703
1499
665
292
59
233
957
940
17
354
18186
20703
20700
RAHEJA QBE
2011
2010
PRIVATE SECTOR NON-LIFE INSURERS : BALANCE SHEET

(AS ON 31st MARCH)
65310
3781
62
10123
1425
8698
10185
3049
7136
7713
53754
65310
50310
15000
SBI
2011
844667
108
6647
39973
402369
395570
655291
182
11940
9019
333146
301004
TOTAL
2011
2010
688032
462938
225095
17822
100709
658799
540059
970595
708697
590966
117731
15916
55483
3006
20002
6741
844667
165393
655291
87273
(1499) (1363691) (801957)
3160 2051723 1510654
941
2218 1392925
1660
1184
477
7140
3006
7621 1921427 1295569
20002
20000
L&T
2011
(` Lakh)

STATEMENT 60
HEALTH INSURERS : POLICYHOLDERS ACCOUNT
(` Lakh)
PARTICULARS
STAR HEALTH
2010-11 2009-10
APOLLO MUNICH
2010-11 2009-10
MAX BUPA
2010-11 2009-10
83140
61043
14874
6996
807
1251
717
670
300
114
TOTAL (A)
84391
61760
15544
7296
921
75814
53173
9215
5974
406
(883)
(1267)
1774
1056
139
9077
9311
13326
9830
12660
3855
84008
61217
24316
16860
13205
3856
383
543
(8772)
(9564)
(12284)
(3855)
383
543
(8772)
(9564)
(12284)
(3855)
383
543
(8772)
(9564)
(12284)
(3855)

of Investments
Others
Commission
Insurance Business
Others- Amortizations, 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 negative values
181

STATEMENT 61
HEALTH INSURERS : SHAREHOLDERS ACCOUNT

(` Lakh)
PARTICULARS
STAR HEALTH
2010-11 2009-10
(a) Fire Insurance
(b) Amortisation of discount /premium
OTHER INCOME
TOTAL (A)
Profit Before Tax

Profit after Tax
MAX BUPA
2010-11 2009-10
383
383
543
543
(8772)
(8772)
(9564)
(9564)
(12284)
(12284)
(3855)
(3855)
800
498
621
82
42
(18)
169
(7844)
539
13
104
596
57
84
125
2
(8907)
9
(11595)
13
(3660)
1183
1041

(c) Others
OTHER EXPENSES
(a) Expenses other than those
related to Insurance Business
(c) Others
TOTAL (B)
APOLLO MUNICH
2010-11 2009-10
18
82
63
16
16
19
19
99
63
30
30
1167
428
739
1022
496
526
(7943)
1
(7944)
(8970)
0
(8970)
(11625)
0
(11625)
(3660)
0
(3660)
APPROPRIATIONS
(d) Transfer to any Reserves or Other Accounts
739
526
(258)
(258)
(19047)
(10077)
(4296)
(636)
(258)
(258)
(26991)
(19047)
(15921)
(4296)
182

STATEMENT 62
HEALTH INSURERS : BALANCE SHEET

(AS ON 31st MARCH)
(` Lakh)
PARTICULARS
STAR HEALTH
2011
2010
APOLLO MUNICH
2011
2010
MAX BUPA
2011
2010
SOURCES OF FUNDS
Share Capital
20299
16433
10308
13867
6708
650
Reserves & Surplus

19620
12930
27100
15100
374
17878
14696
23
10
691
329
38007
31279
37522
28001
27110
15107
23484
17452
25209
13431
12626
9260
6166
3901
1556
2068
2132
1261
Cash & Bank Balance
11516
17035
5435
1099
668
1150
30599
20733
3800
2545
1447
1137
Sub-Total (A)
42115
37768
9235
3643
2115
2288
CURRENT LIABILITIES
10418
12697
12294
5044
4088
1934
Provisions
23597
15805
13176
5144
1597
63
Sub-Total (B)
34016
28502
25470
10188
5684
1997
8100
9266
(16235)
(6544)
(3569)
291
Borrowings
TOTAL
Investments
Loans
Fixed Assets
Deferred Tax Assets
CURRENT ASSETS

Misc. Expenditure
403

TOTAL
258
258
26991
19047
15921
4296
38007
31279
37522
28001
27110
15107
183

STATEMENT 63
EXPORT CREDIT GUARANTEE CORPORATION OF INDIA LTD. (ECGC) :

POLICYHOLDERS ACCOUNT
(` Lakh)
PARTICULARS
2010-11
2009-10
67486
57599
346
175
Others
601
1464
13662
11753
TOTAL (A)
82096
70992
75744
67518
(953)
(3157)
15148
10360
Other - Premium Deficiency
(4820)
4820
85118
79540
(3023)
(8548)
(3023)
(8548)
(3023)
(8548)
Commission
Others- Amortizations, Write-offs & Provisions

Foreign Taxes
TOTAL (B)
Operating Profit/(Loss) from Fire/Marine/

Miscellaneous Business C= (A - B)
APPROPRIATIONS
TOTAL (C )
184

STATEMENT 64
SHAREHOLDERS ACCOUNT
(` Lakh)
PARTICULARS
2010-11
2009-10
(3023)
(3023)
(8548)
(8548)

13667
346
15584
233
OTHER INCOME
TOTAL (A)
1063
12054
158
7426
712
OTHER EXPENSES
(c) Others
285
167
TOTAL (B)
291
879
11763
3589
(393)
8566
6548
2756
(1581)
5373
2610
423
1075
183
5534
2
1
4116
2
2
(a) Fire Insurance

(c) Others
Profit Before Tax

Prior Period Adjustments
Profit after Tax
APPROPRIATIONS
185

STATEMENT 65

BALANCE SHEET
(AS ON 31st MARCH)
(` Lakh)
SOURCES OF FUND
Share Capital
Reserves & Surplus
2011
2010
90000
90000
108271
102738
7951
3156
Borrowings
27

TOTAL
206222
195921
316356
262046
14319
13568
Cash & Bank Balance
87686
79228
44383
37946
Sub-Total (A)
132069
117174
CURRENT LIABILITIES
208767
160672
48160
38257
256927
198929
(124858)
(81755)
405
2063
206222
195921
Investments
Loans
Fixed Assets
CURRENT ASSETS
Provisions
Sub-Total (B)
Deferred Tax Assets
Misc. Expenditure (to the extent not written off or adjusted)

TOTAL
186

STATEMENT 66
AGRICULTURE INSURANCE COMPANY OF INDIA LTD. (AIC) :

POLICYHOLDERS ACCOUNT
(` Lakh)
PARTICULARS
2010-11
2009-10
127592
102252
152
107
12848
11058
140592
113417
95015
118919
(12687)
(4430)
4060
2024
Others- Amortizations, Write-offs & Provisions
2176
207
88564
116720
52028
(3303)
52028
(3303)
52028
(3303)

Others
TOTAL (A)

Commission
Foreign Taxes
TOTAL (B)
Operating Profit/(Loss) from Fire/Marine/

Miscellaneous Business C= (A - B)
APPROPRIATIONS
TOTAL (C )
187

STATEMENT 67

SHAREHOLDERS ACCOUNT
(` Lakh)
PARTICULARS
(a) Fire Insurance

OTHER INCOME
TOTAL (A)
(c) Others
OTHER EXPENSES
(c) Others
TOTAL (B)
Profit Before Tax
Profit after Tax
APPROPRIATIONS
2010-11
2009-10
52028
52028
(3303)
(3303)
5199
61
6777
66
65
57353
485
4025
(136)
84
36
220
110
127
59
57294
19265
38030
383
3642
302
3340
2000
324
35705
188

STATEMENT 68

BALANCE SHEET
(AS ON 31st MARCH)
(` Lakh)
2011
2010
Share Capital
20000
20000
Reserves & Surplus
92283
56578
382
618
112665
77196
156484
144209
125
129
2349
2944
194
277
162946
93324
49535
45840
Sub-Total (A)
212481
139164
CURRENT LIABILITIES
190743
144484
68224
65043
Sub-Total (B)
258967
209527
(46486)
(70363)
112665
77196
SOURCES OF FUNDS

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

TOTAL
189
190
24694
24694
24694
287742
2602
65091
52885
(984)
25156
4708
17533 (19370)
17533 (19370)
17533 (19370)
75350 697822
550
20422 106754
54379 586361
92884 678453
10792
103
5133
Total
90800
(2041)
43191
7882
401
401
401
23260
23260
23260
2179 1063094
22
368 192635
1789 862578
2581 1086354
102
12
48
2419 954403
2010-11
Misc.
Life
76856 601396
Marine
TOTAL (C)
APPROPRIATIONS
C = (A - B)
TOTAL (B)
Foreign Taxes
Insurance Business
Commission
220049
27022

312437
(1172)
Others
TOTAL (A)
12854
273733
Fire
of Investments
PARTICULARS
32771
32771
32771
237856
2519
71698
163638
270626
21973
(728)
13272
236109
Fire
26312
26312
26312
63748
485
16769
46495
90060
10848
702
6553
71957
Marine
(8246)
(8246)
(8246)
583301
4132
104345
474823
575055
47881
(37)
28921
498290
2009-10
Misc.
GENERAL INSURANCE CORPORATION : POLICYHOLDERS ACCOUNT
485
485
485
905
10
212
683
1390
76
(20)
46
1288
Life
51322
51322
51322
885809
7146
193025
685639
937131
80778
(82)
48792
807643
Total
(` Lakh)
STATEMENT 69

STATEMENT 70
GENERAL INSURANCE CORPORATION : SHAREHOLDERS ACCOUNT

(` Lakh)
PARTICULARS
(a) Fire Insurance
(d) Life Insurance

OTHER INCOME
TOTAL (A)
(c) Others
OTHER EXPENSES
(a) Expenses other than those related to
Insurance business
(b) Loss on Exchange
(c) Bad debts written off
(d) Others
(e) Interest on Service Tax
TOTAL (B)
Profit before Tax
Profit after Tax
Balance brought forward from last year
Profit Available for appropriation
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
191
2010-11
2009-10
24694
17533
(19370)
401
23260
32771
26312
(8246)
485
51322
59639
28369
51201
30927
17190
128458
22007
155457
3192
3643
2273
1303
(1438)
2544
183
145
0
0
13
219
9523
23835
0
0
47
26437
118935
15594
103341
6
103347
129020
(48440)
177461
1
177461
20640
3428
35260
5856
79273
136339

STATEMENT 71
GENERAL INSURANCE CORPORATION : BALANCE SHEET

(AS ON 31st MARCH)
(` Lakh)
2011
2010
43000
43000
939022
859657
1881771
1702846
2863793
2605503
3669248
3357393
59539
69515
4489
4465
152
7535
Cash & Bank Balance
475660
277311
763768
667994
Sub-Total (A)
1239428
945305
CURRENT LIABILITIES
1476642
1229704
632421
549005
Sub-Total (B)
2109064
1778710
(869636)
(833404)
2863793
2605503
SOURCES OF FUNDS
Share Capital
Reserves & Surplus
Borrowings
TOTAL
Investments
Loans
Fixed Assets
Deferred Tax Asset
CURRENT ASSETS
Provisions
Misc. Expenditure
TOTAL
192
National
91
1
34
39
13
8
52
41
17
14
23
59
51
52
126
1
2
1
1
40
87
68
1
96
4
109
9
96
0
14
0
0
64
0
5
1219
State /
Union Territory
Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
Chattisgarh
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
Chandigarh
Daman & Diu
Delhi & NCR
Lakshadweep
Puducherry
Total
79
1
23
20
11
5
64
29
8
11
22
64
58
39
153
1
3
1
2
35
52
34
1
95
1
99
16
50
1
12
1
0
45
1
4
1041
New
India
78
2
30
38
20
4
73
34
15
14
19
90
67
50
111
1
3
1
2
35
74
61
1
96
2
104
16
42
0
8
0
2
52
0
1
1146
Oriental
193
47
0
5
1436
143
1
49
30
14
8
74
48
13
13
18
101
96
54
138
1
5
1
1
31
83
88
1
190
4
96
24
50
1
7
1
United
3
0
0
0
0
0
1
1
0
0
0
3
2
0
10
0
0
0
0
1
1
1
0
5
0
2
0
2
0
1
0
0
6
0
0
39
Apollo
Munich
20
0
2
4
4
3
18
4
2
2
3
16
8
7
24
0
0
0
0
6
8
6
0
26
0
9
1
14
1
1
0
0
9
0
1
199
Bajaj
Allianz
4
0
1
0
2
1
3
2
0
0
1
5
1
2
8
0
0
0
0
1
3
2
0
4
0
4
1
2
0
1
0
0
3
0
0
51
Bharti
AXA
5
0
1
1
1
1
9
4
0
0
2
6
7
4
16
0
0
0
0
2
3
3
0
19
0
6
1
3
0
0
0
0
1
0
1
96
Chola
mandalam
4
0
1
2
1
1
10
5
1
1
2
4
6
4
15
0
0
0
0
2
4
6
0
7
0
11
0
4
0
1
0
0
2
0
0
94
Future
Generali
6
0
1
1
1
1
5
2
0
1
2
4
8
3
11
0
0
0
0
2
4
5
0
5
0
5
1
2
0
1
0
0
6
0
1
78
HDFC
Ergo
STATE-WISE NUMBER OF OFFICES OF NON-LIFE INSURERS (AS ON 31st MARCH, 2011)
10
66
8
1
315
3
3
1
3
1
2
1
4
1
3
16
1
1
8
3
IFFCO
Tokio
16
16
14
1
21
1
30
6
16
31
3
4
7
2
25
13
2
2
4
22
15
17
36
ICICI
Lombard
STATEMENT 72
L&T
General
1
1
1
2
1
2
1
1
10
Name of State/
Union Territory
Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
Chattisgarh
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
Chandigarh
Daman & Diu
Delhi & NCR
Lakshadweep
Puducherry
Total
1
1
0
0
0
0
1
0
0
2
0
0
0
0
0
1
1
0
1
0
0
0
1
0
0
0
0
2
0
0
11
Max
Bupa
1
1
2
Raheja
QBE
1
1
1
1
10
1
2
1
2
1
21
7
1
1
4
15
13
13
33
194
1
17
3
5
1
2
1
84
3
7
9
15
17
3
11
1
15
1
212
1
9
7
3
8
16
2
0
1
0
0
1
1
0
0
0
0
1
0
1
2
0
0
0
0
1
0
1
0
2
0
1
0
1
0
1
0
0
1
0
0
17
Reliance Royal
SBI
General Sundaram General
7
0
0
0
0
0
3
5
1
0
0
1
1
3
8
0
0
0
0
0
3
9
0
6
0
11
2
2
0
1
0
0
5
0
0
68
Shriram
General
2
299
12
10
3
26
65
11
5
11
8
5
1
2
4
22
29
14
30
2
1
4
29
Star
Health
2
1
1
1
6
1
2
3
2
1
13
1
2
2
4
4
1
3
1
2
1
54
Tata
AIG
3
0
1
1
1
0
3
2
0
1
2
3
1
2
10
0
0
0
0
2
2
3
0
4
0
4
2
4
0
1
0
0
2
0
0
54
Universal
Sompo
18
1
1
1
1
1
1
1
1
1
0
1
1
1
AIC
2
1
4
51
1
2
2
3
1
1
10
4
2
ECGC
542
5
154
144
85
39
401
209
61
64
110
438
375
274
784
4
15
4
6
195
359
329
5
693
12
534
88
341
3
58
2
2
300
1
24
6,660
Total
Contd.. STATEMENT 72
STATE-WISE NUMBER OF OFFICES OF NON-LIFE INSURERS (AS ON 31st MARCH, 2011)

STATEMENT 73
THIRD PARTY ADMINISTRATORS
NUMBER OF CLAIMS RECEIVED AND DURATION WISE SETTLEMENT OF CLAIMS DURING 2010-11
Sl. Name of TPA
No.
No of
Claims
Received
<1
month
Claims Settled
>1 to <3 > 3 to <6
months
months
>6
months
Claims
O/S
Park Mediclaim
33773
9874
(29.24)
11400
(33.75)
13208
(39.11)
nil
0.00
3889
Vipul Med Corp
240582
234819
(97.60)
20121
(8.36)
2814
(1.17)
9696
(4.03)
25772
Alankit Health Care
104332
93708
15055
1663
521
9303
I Care Health Management & Services
16541
11525
(69.68)_
1845
(11.15)
198
(1.20)
7
(0.04)
2395
Dedicated Healthcare Services
139255
92685
(66.56)
32722
(23.50)
4935
(3.54)
734
(0.53)
8179
Medicare Services
71530
40577
(56.73)
10911
(15.25)
3172
(4.43)
963
(1.35)
5390
MD India Healthcare Services
876693
631694
(72.05)
141432
(16.13)
38864
(4.43)
6968
(0.79)
84711
Heritage Health
98387
53206
(54.08)
34725
(35.29)
5807
(5.90)
1259
(1.28)
8511
Genins India
82832
70662
(85.31)
7862
(9.49)
2409
(2.91)
388
(0.47)
8718
10
Rothshield Healthcare Services
1332
639
(47.97)
464
(34.83)
143
(10.74)
25
(1.88)
61
11
E Meditek Services
331278
267332
(80.70)
19906
(6.01)
10058
(3.04)
0
(0.00)
33982
12
Parekh Health Management
93141
57680
(61.93)
27569
(29.60)
2126
(2.28)
297
(0.32)
7259
13
Safeway Services
10035
6631
(66.08)
1061
(10.57)
884
(8.81)
265
(2.64)
682
14
Med Save Health Care
105654
70039
(66.29)
29233
(27.67)
5786
(5.48)
1841
(1.74)
5399
Licence of the 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.
NA: Not Available.
Nil: No Claims received or settled.
O/S: Outstanding.
195

THIRD PARTY ADMINISTRATORS
NUMBER OF CLAIMS RECEIVED AND DURATION WISE SETTLEMENT OF CLAIMS DURING 2010-11
Sl. Name of TPA
No.
No of
Claims
Received
<1
month
Claims Settled
>1 to <3 > 3 to <6
months
months
42461
10790
(25.41)
16497
(38.85)
6995
(16.47)
1835
(4.32)
6165
>6
months
Claims
O/S
15
Good Healthplan
16
Health India Services
147458
125941
(85.41)
26480
(17.96)
3594
(2.44)
0
(0.00)
3907
17
Medi Assist India
411308
344845
(83.84)
12313
(2.99)
763
(0.19)
312
(0.08)
45902
18
Anmol Medicare
6615
3935
(59.49)
839
(12.68)
53
(0.80)
4827
(72.97)
1506
19
Raksha
159758
156455
(97.93)
972
(0.61)
Nil
(0.00)
Nil
(0.000)
2331
20
Family Health Plan
163163
58588
(35.91)
46118
(28.26)
17329
(10.62)
6788
(4.16)
18603
21
TTK Healthcare
272223
Grand Healthcare Services
Nil
38046
(13.98)
Nil
(0.00)
6231
(2.29)
Nil
(0.00)
1544
(0.57)
Nil
(0.00)
8613
22
225040
(82.67)
Nil
(0.00)
23
Paramount Health Services
182395
144164
(79.04)
11924
(6.54)
3372
(1.85)
909
(0.50)
20530
24
Anyuta Medinet Healthcare
82
76
(92.68)
3
(3.66)
3
(3.66)
Nil
(0.00)
Nil
25
East West Assist
49015
33870
(69.10)
9281
(18.94)
5401
(11.02)
265
(0.54)
1055
26
Focus Healthcare
1741
886
(50.89)
290
(16.66)
Nil
(0.00)
415
(23.84)
150
27
Sri Gokulam Health Services
Nil
Nil
Nil
Nil
Nil
Nil
28
Spurthi Meditech Solutions
Nil
Nil
Nil
Nil
Nil
Nil
29
Universal Medi-Aid Services
NA
NA
NA
NA
NA
NA
3641584 2745661
517069
135808
39859
313013
TOTAL
Nil
Licence of the 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.
NA: Not Available.
Nil: No Claims received or settled.
O/S: Outstanding.
196
197
LIC
Max New York
Met Life
Reliance
Sahara
SBI Life
Shriram
Star Union Dai-Ichi
TATA AIG
15
16
17
18
19
20
21
22
23
Total
Kotak Mahindra
HDFC Standard
14
Future Generali
ING Vysya
DLF Pramerica
13
Canara HSBC
IndiaFirst
Birla Sun Life
12
Bharti AXA
IDBI Federal
Bajaj Allianz
11
Aviva
ICICI Prudential
Aegon Religare
10
Insurer
Sl.
No
395
12
15
150
29
10
48
39
21
17
16
23
Opening
Balance
9656
279
16
28
293
12
540
246
525
2588
779
99
25
1294
528
72
22
26
533
267
799
631
54
Reported
during
the year
9797
276
16
21
284
12
541
247
523
2672
757
106
27
1342
562
63
17
24
515
277
811
654
50
2010-11
Resolved
during
the year
97
95
100
75
95
92
97
98
100
98
94
97
100
100
99
85
77
92
93
98
100
100
93
% Resolved
during
the year
254
15
14
14
66
51
11
39
Pending at
the end
of the year
STATEMENT 74
173
14
13
13
22
38
34
< 30 days
56
25
11
30 to 180 days
25
19
>180 days
Duration wise analysis of pending complaints
STATUS OF GRIEVANCES - LIFE INSURERS FOR 2010-11
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
L&T General
Max Bupa
Raheja QBE
Reliance
Royal Sundaram
SBI General
Shriram
Star Health
TATA AIG
Universal Sompo
PRIVATE TOTAL
GRAND TOTAL
1
2
3
4
5
6
198
145
177
81
21
2
1
427
1
24
0
7
0
1
16
22
0
0
0
35
19
0
0
0
2
2
129
556
(III)
Pending as
on 31st
March, 2010
683
800
605
743
9
4
2844
29
184
51
77
37
101
449
142
0
0
0
960
107
0
38
90
124
41
2430
5274
(IV))
Reported
during
2010-11
Note:
(i) Policy related issues
(ii) Non settlement/ Delay in settlement of claim
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
(II)
Insurer
(I)
Sl.
No
643
593
250
598
11
5
2100
28
177
51
81
32
101
461
126
0
0
0
833
122
0
38
88
125
38
2301
4401
(VI)
Resolved
during
2010-11
185
384
436
166
0
0
1171
2
31
0
3
5
1
4
38
0
0
0
162
4
0
0
2
1
5
258
1429
(VII)
Pending
as on 31st
March, 2011
(iii) Repudiation/Partial settlement of claim

(iv) Other reasons
828
977
686
764
11
5
3271
30
208
51
84
37
102
465
164
0
0
0
995
126
0
38
90
126
43
2559
5830
(V)=(III) + (IV)
Total No. of
Complaints
(i)
32
86
84
35
0
0
237
2
13
0
0
2
0
2
14
0
0
0
44
3
0
0
1
1
3
85
322
STATUS OF GRIEVANCES - NON LIFE INSURERS FOR 2010-11
117
170
233
86
0
0
606
0
14
0
2
2
1
2
16
0
0
0
83
1
0
0
1
0
2
124
730
31
122
96
42
0
0
291
0
4
0
0
1
0
0
6
0
0
0
30
0
0
0
0
0
0
41
332
5
6
23
3
0
0
37
0
0
0
1
0
0
0
2
0
0
0
5
0
0
0
0
0
0
8
45
BREAK UP OF (VII)
(ii)
(iii)
(iv)
STATEMENT 75
33
Bhubaneshwar
199
13
36
195
28
888
Hyderabad
Kochi
Kolkata
Lucknow
Mumbai
Total
11017
1415
1448
1392
515
1388
280
1445
933
1268
238
210
485
Received
during
2010-11
Total No. of
Complaints
Notes:
O/S : Outstanding
244
Guwahati
Delhi
Chennai
284
38
Bhopal
Chandigarh
O/s as on
31st March
2010
Ahmedabad
Name of
the Centre
24
22
17
27
160
28
(II)
134
846 586
67
75
116 168
50
31
85
223
42
24
127
(I)
627
47
269
83
51
103
33
13
23
(III)
7492
1334
932
931
284
1220
134
1035
826
429
68
121
178
(IV)
(III) Dismissal
11905
1443
1448
1587
551
1401
288
1689
935
1552
271
248
492
Total
No. of complaints
disposed by way of
9551
1401
1188
1484
441
1324
223
1378
928
626
227
121
210
Total
1139
45
66
227
85
427
23
138
117
278
250
17
(A) Within 3 months

(B) 3 months to 1 Year
(C) Above 1 Year
8134
1356
1122
1007
356
1324
216
943
905
485
93
117
210
928
626
227
121
210
Total
9551
1401
1188
1484
441
1324
223
1378
Duration-wise disposal
1376
26
224
100
68
77
34
153
458
24
58
148
978
16
36
42
31
158
468
20
69
134
2354
42
260
103
110
77
65
311
926
44
127
282
Total
Duration-wise Outstanding
PERFORMANCE OF OMBUDSMEN AT DIFFERENT CENTRES (LIFE INSURANCE)
STATEMENT 76
26
Bhubaneshwar
200
295
20
37
61
215
278
1381
Delhi
Guwahati
Hyderabad
Kochi
Kolkata
Lucknow
Mumbai
Total
10048
2147
352
815
517
861
213
1318
905
814
146
126
1834
Received
during
2010-11
Total No. of
Complaints
Notes:
O/S : Outstanding
17
Chennai
349
39
Bhopal
Chandigarh
44
O/s as on
31st March
2010
Ahmedabad
Name of
the Centre
11429
2425
352
1030
578
898
233
1613
922
1163
172
165
1878
Total
210
26
21
66
13
20
75
31
71
(II)
568
78
72
86
77
86
29
131
(III)
4722
949
83
571
213
382
61
852
689
378
26
23
495
(IV)
7688
1639
315
801
394
706
172
1204
883
482
113
64
915
Total
(III) Dismissal
1717 681
545 145
22
126
88
172
106
262
88
29
56
218
(I)
No. of complaints
disposed by way of
6160
1165
315
579
284
704
149
805
771
386
67
21
914
167
154
7688
1639
315
801
394
706
172
1204
883
482
113
64
915
Total
(A) Within 3 months

(C) Above 1 Year
1361
474
68
110
23
391
112
95
46
39
STATEMENT 77
1708
600
37
77
88
192
24
144
38
94
53
23
338
1770
186
152
96
37
265
324
78
625
263
263
3741
786
37
229
184
192
61
409
39
681
59
101
963
Total
PERFORMANCE OF OMBUDSMEN AT DIFFERENT CENTRES (NON-LIFE INSURANCE)
201
539
28
50
97
410
306
2269
Delhi
Guwahati
Hyderabad
Kochi
Kolkata
Lucknow
Mumbai
Total
21065
3562
1800
2207
1032
2249
493
2763
1838
2082
384
336
2319
Received
during
2010-11
Total No. of
Complaints
Notes:
O/S : Outstanding
19
Chennai
59
Bhubaneshwar
633
77
Bhopal
Chandigarh
51
O/s as on
31st March
2010
Ahmedabad
Name of
the Centre
45
88
30
47
235
30
31
74
(II)
344
2563 1267
612 145
97
242 194
138
203
191
485
130
53
183
224
(I)
2283
1015
1502
497
1602
195
1887
1515
807
94
144
673
(IV)
3040
1503
2285
835
2030
395
2582
1811
1108
340
185
1125
Total
2521
1437
1586
640
2028
365
1748
1676
871
160
138
1124
3040
1503
2285
835
2030
395
2582
1811
1108
340
185
1125
Total
445 17239
404
16
17
(A) Within 3 months

(C) Above 1 Year
2500
519
66
295
195
30
818
135
233
163
43
1195 12214 17239 14294
47
347
155
137
180
119
13
33
154
(III)
(III) Dismissal
23334
3868
1800
2617
1129
2299
521
3302
1857
2715
443
413
2370
Total
No. of complaints
disposed by way of
3084
626
261
177
156
269
58
297
44
552
77
81
486
2748
202
36
155
138
68
423
792
26
147
759
263
263
6095
828
297
332
294
269
126
720
46
1607
103
228
1245
Total
PERFORMANCE OF OMBUDSMEN AT DIFFERENT CENTRES (LIFE & NON-LIFE COMBINED)
STATEMENT 78
202
ANNEX
203
204
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.
Edelweiss Tokio Life Insurance Co. Ltd.
Future Generali Life Insurance Co. Ltd.
10
HDFC Standard Life Insurance Co. Ltd.
11
ICICI Prudential Life Insurance Co. Ltd.
12
IDBI Federal Life Insurance Co. Ltd.
13
ING Vysya Life Insurance Co. Ltd.
14
IndiaFirst Life Insurance Co. Ltd.
15
Kotak Mahindra Old Mutual Life Insurance Co. Ltd.
16
Max New York Life Insurance Co. Ltd.
17
MetLife India Insurance Co. Ltd.
18
Reliance Life Insurance Co. Ltd.
19
Sahara India Life Insurance Co. Ltd.
20
SBI Life Insurance Co. Ltd.
21
Shriram Life Insurance Co. Ltd.
22
Star Union Dai-ichi Life Insurance Co. Ltd.
23
TATA AIG Life Insurance Co. Ltd.
* As on 30th September, 2011.
205

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.
Specialised Insurers
ICICI Lombard General Insurance Co. Ltd.
Export Credit Guarantee Corporation Ltd.
IFFCO Tokio General Insurance Co. Ltd.
Agriculture Insurance Co. 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 30th September, 2011
206

ANNEX 2
FEE STRUCTURE FOR INSURERS AND VARIOUS INTERMEDIARIES

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

Reinsurer)
` 50,000
1/10th of 1% of Gross Direct Premium

written in India subject to a minimum
of `50,000 and maximum of `5 crore
Every year
(by 31st
December)
Third Party Administrator
`20,000
`30,000
`30,000
3 years
Brokers-Direct
`20,000
`1,000 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
Brokers- Reinsurance
`25,000
`1,000 as renewal fee +

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
3 years
Brokers- Composite
`40,000
`1,000 as the renewal fee +

Annual 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.
3 years
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
License and
`500 for the
Certificate to
the Specified
Person
`250
3 Years
Referrals
`10,000
207
3 Years

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
208

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
Life Expectation
Age
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
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
209
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 2010-11

Sl.No Name of the Insurer
Name of the Product
UIN*
Aegon Religare
Aegon Religare Health Plan

Aegon Religare Money Back Plus Plan
Aegon Religare Pension plan
Aegon Religare Endowment Plan
Aegon Religare Endowment Advantage Plan
Aegon Religare Future Protect Plan
Aegon Religare Future Protect Plus Plan
Aegon Religare Assure Plan
Aegon Religare Rising Star Plan
Aegon Religare Future Protect Premier Plan
Aegon Religare Assure Plus Plan
Aegon Religare iMaximise Plan
Aegon Religare Group Gratuity Plan
138N021V01
138N022V01
138N029V01
138N031V01
138N032V01
138L023V01
138L024V01
138L025V01
138L026V01
138L027V01
138L028V01
138L030V01
138L033V01
Aviva
Aviva Group Life Protect

Aviva Life Shield Advantage
Aviva Sampoorna Suraksha Bima Yojana
Aviva Dhana Varsha
Aviva Life Shield Platinum
Aviva Young Scholar Secure
Aviva I Life
Aviva Pension Builder
Aviva Lifesaver Advantage
Aviva Freedom Life Advantage
Aviva Young Scholar Advantage
Aviva Life Bond Advantage
Aviva Life Sachin Extra Cover Advantage
Aviva Group Gratuity Advantage
Aviva New Group Leave Encashment Plan
Aviva Child Education Rider
Aviva Health Guard Rider
Aviva Term Plus Rider
122N080V01
122N081V01
122N084V01
122N088V01
122N089V01
122N092V01
122N093V01
122N094V01
122L082V01
122L083V01
122L085V01
122L086V01
122L087V01
122L090V01
122L091V01
122B015V01
122B016V01
122B017V01
Bajaj Allianz
Bajaj Allianz Group Credit Protection Plus

Bajaj Allianz Super Cash Gain Insurance Plan
Bajaj Allianz Cash Rich Insurance Plan
Bajaj Allianz Wealth Insurance Plan
Bajaj Allianz Max Advantage Insurance Plan
Bajaj Allianz Shield Insurance Plan
Bajaj Allianz Assured Protection Insurance Plan
Bajaj Allianz Life iGain III
Bajaj Allianz Smart Insurance Plan III
Bajaj Allianz Money Secure Insurance Plan
Bajaj Allianz Group Employee Benefit Plan
Bajaj Allianz Group Wealth Insurance Plan
Bajaj Allianz Group Terminal Illness Rider
116N094V01
116N102V01
116N103V01
116L095V01
116L096V01
116L097V01
116L098V01
116L099V01
116L100V01
116L101V01
116L104V01
116L105V01
116B025V01
* UIN: Unique Identification Number.

210

Contd... ANNEX 4

4
Bharti AXA
Bharti AXA Life Group Term Cover

Bharti AXA Life Life Protect Plus
Bharti AXA Life Family Income Secure
Bharti AXA Life Aajeevan Anand
Bharti AXA Life Jan Suraksha
Bharti AXA Life Premier Home Shield
Bharti AXA Future Champs
Bharti AXA Wonder Years Retirement Plan
Bharti AXA Life Bright Star Edge
Bharti AXA Life True Wealth
Bharti AXA Life Wealth One
Bharti AXA Life Premium Waiver Rider
Bharti AXA Group Accidental Death Benefit Rider
130N034V01
130N037V01
130N038V01
130N039V01
130N040V01
130N042V01
130N043V01
130N044V01
130L035V01
130L036V01
130L041V01
130C005V01
130B006V01
Birla Sun Life
BSLI Bachat (Endowment) Plan

BSLI Bachat (Money Back) Plan
BSLI Bachat (Child) Plan
BSLI Hospital Cash Plan
BSLI Rainbow Plan
BSLI Vision
BSLI Group Capital Assured Traditional Plan
BSLI Dream Endowment Plan
BSLI Classic Endowment Plan
BSLI Platinum Advantage Plan
BSLI Dream Life Plan
BSLI Dream Child Plan
BSLI Classic Child Plan
BSLI Classic Life Plan
BSLI Foresight Plan
BSLI Surgical Care Rider
BSLI Hospital Care Rider
BSLI Waiver of Premium Rider
BSLI Accident Death and Disability Rider
BSLI Critical Illness Rider
BSLI Group Critical Illness Premier Rider
BSLI Group Accelerated Critical Illness Premier Rider
BSLI Group Accelerated Terminal Illness Rider
BSLI Accidental Death Benefit Rider
109N056V01
109N057V01
109N058V01
109N059V01
109N063V01
109N068V01
109N070V01
109L060V01
109L061V01
109L062V01
109L064V01
109L065V01
109L066V01
109L067V01
109L069V01
109C015V01
109C016V01
109C017V01
109C018V01
109C019V01
109B020V01
109B021V01
109B022V01
109B014V01
Canara HSBC OBC
Canara HSBC OBC Life Group Traditional Plan

Canara HSBC OBC Life Insurance Secure Smart Plan
Canara HSBC OBC Life Insurance Dream Smart Plan
Canara HSBC OBC Life Insurance Grow Smart Plan
Canara HSBC OBC Future Smart Plan
Canara HSBC OBC Insure Smart Plan
136N014V01
136N017V01
136L015V01
136L016V01
136L018V01
136L019V01
211

Contd... ANNEX 4

7
DLF Pramerica
DLF Pramerica Dhan Suraksha

DLF Pramerica Assure Money +
DLF Pramerica Tatkal Suraksha Gold
DLF Pramerica Roz Bima
DLF Pramerica Future Idols Gold
DLF Pramerica Rakshak
DLF Pramerica Wealth + Premier
DLF Pramerica Ezee Wealth+
DLF Pramerica Wealth+ Ace
140N020V01
140N021V01
140N024V01
140N026V01
140N027V01
140N028V01
140L022V01
140L023V01
140L025V01
Future Generali
Future Generali Dream Guarantee Plan

Future Generali Care Plus
Future Generali Smart Life
Future Generali NAV Insure Plan
Future Generali Select Insurance Plan
Future Generali Nivesh Preferred Plan
Future Generali Pramukh Nivesh
Future Generali Wealth Protect Plan
Future Generali Unit Linked Life Guardian Rider
Future Generali Saral Term Benefit Rider
133N029V01
133N030V01
133N031V01
133L032V01
133L033V01
133L034V01
133L035V01
133L036V01
133A018V02
133B020V01
HDFC Standard
HDFC SL Group Savings Plan

HDFC SL New Money Back Plan
HDFC SL Sarvgrameen Bachat Yojana
HDFC SL Group Conventional Plan
HDFC SL Endowment Gain
HDFC SL Group Traditional Plan
HDFC SL Classic Assure Insurance Plan
HDFC Life Classic Pension Insurance Plan
HDFC Life Sampoorn Samridhi Insurance Plan
HDFC SL Crest
HDFC SL Youngstar Super II
HDFC SL ProGrowth Super II
HDFC SL ProGrowth Maximiser
HDFC SL Young Star Super Premium
HDFC SL ProGrowth Flexi
HDFC SL Group Unit Linked Option I
HDFC SL Pension Maximus
101N062V01
101N063V01
101N069V01
101N070V01
101N071V01
101N075V01
101N076V01
101N077V01
101N078V01
101L064V01
101L065V01
101L066V01
101L067V01
101L068V01
101L072V01
101L073V01
101L074V01
10
ICICI Prudential
ICICI Pru Hospital Care II

ICICI Pru iProtect
ICICI Pru Guaranteed Savings Insurance Plan
ICICI pru Whole Life
ICICI Pru Future Secure
ICICI Pru Group Term Plan
ICICI Pru LifeLink Wealth SP
ICICI Pru Life Time Premier
ICICI Life Link Pension SP
ICICI Pinnacle II
105N108V01
105N110V01
105N114V01
105N116V01
105N117V01
105N119V01
105L111V01
105L112V01
105L113V01
105L115V01
212

Contd... ANNEX 4

ICICI Pru Life Stage Wealth II
ICICI Pru Smart Kid Premier
ICICI Pru Pinnacle Super
ICICI Pru Waiver of Premium on Critical Illness Rider
105L118V01
105L120V01
105L121V01
105C024V01
11
IDBI Federal
IDBI Federal Loansurance Group Life Plan

IDBI Federal Termsurance Group Life Plan
IDBI Federal Bondsurance Advantage Insurance Plan
IDBI Federal Retiresurance Guaranteed Pension Plan
IDBI Federal Term Assurance Premier Insurance Plan
IDBI Federal Termsurance Seniors Insurance Plan
IDBI Federal Wealthsurance Milestone Plan
IDBI Federal Wealthsurance Premier Insurance Plan
IDBI Federal Retiresurance Milestone Pension Plan
135N013V01
135N015V01
135N016V01
135N017V01
135N019V01
135N021V01
135L014V01
135L018V01
135L020V01
12
IndiaFirst
India First Life Plan

India First Simple Life Plan
India First Anytime Plan
India First Secure Save Plan
India First Smart Save Plan
India First Young India Plan
India First Employee Benefit Plan
India First Term Rider
143N007V01
143N008V01
143N009V01
143N012V01
143L010V01
143L011V01
143L013V01
143B001V01
13
ING Vysya
ING Immediate Annuity with return of purchase price

ING Aashirvad
ING Aashirvad
ING Creating Star Guaranteed Future
ING Ace Life
ING Ace Pension
ING Uttam Jeevan - SP
ING Uttam Jeevan
ING Prospering Life
ING Market Shield
ING Prospering Life SP
114N050V01
114N051V01
114N051V02
114N052V01
114N058V01
114N059V01
114L053V01
114L054V01
114L055V01
114L056V01
114L057V01
14
Kotak Mahindra OM
Kotak e-Preferred Term Plan

Kotak e-Term
Kotak Fixed Return plan
Kotak Assured Income
Kotak Saral Suraksha
Kotak Secure Invest Insurance
Kotak Wealth Insurance Plan
Kotak Ace Investment Plan
Kotak Single Invest Advantage
Kotak Headstart Child Assure
Kotak Platinum
107N060V01
107N061V01
107N068V01
107N069V01
107N070V01
107L062V01
107L063V01
107L064V01
107L065V01
107L066V01
107L067V01
213

Contd... ANNEX 4

15
LIC
LICs Group Flexible Income Plan

LICs Bima Account -I
LICs Bima Account -II
LICs Pension Plus
LICs Endowment Plus
LICs Samridhi Plus
512N262V01
512N263V01
512N264V01
512L260V01
512L261V01
512L265V01
16
Max New York
Max New York Life Platinum Protect

Max New York Life Smart Bond
Max New York Life College Plan
Max New York Shubh Invest
Max New York Shiksha Plus II
Max New York Life Flexi Fortune
104N060V01
104N063V01
104N065V01
104L061V01
104L062V01
104L064V01
17
Met Life
Met Grameen Ashray

Met Monthly Income Plan - 7 pay
Met Protect
Met Group Savings Plan
Met Smart Platinum
Met Smart One
Met Easy Super
117N063V01
117N064V01
117N065V01
117N067V01
117L066V01
117L068V01
117L069V01
18
Reliance
Reliance Life Care for You Plan

Reliance Money Multiplier Plan
Reliance Life Classic Plan
Reliance Life Highest NAV Advantage Plan
Reliance Life Insurance Classic Plan - Limited Premium
Reliance Life Insurance Group Gratuity Plus Plan
Reliance Life Insurance Five Pay Plan
121N078V01
121N079V01
121L076V01
121L077V01
121L080V01
121L081V01
121L082V01
19
Sahara
Sahara Shikhar Jeevan Bima

Sahara Utkarsh Jeevan Bima
Sahara Sugam Jeevan Bima
Sahara Sanchit Jeevan Bima
127L021V01
127L022V01
127L023V01
127L024V01
20
SBI Life
SBI Life Hospital Cash

SBI Life - Saral Shield
SBI Life - Smart Shield
SBI Life - Saral Life
SBI Life - Gaurav Jeevan
SBI Life - RiNn Raksha
SBI Life - Smart Performer
SBI Life - Unit Plus Super
SBI Life - Saral maha Anand
SBI Life - Smart Elite
SBI Life - Smart Scholar
SBI Life - Smart Horizon
SBI Life - Smart Pension
SBI Life - Smart Wealth Assure
111N065V01
111N066V01
111N067V01
111N071V01
111N076V01
111N078V01
111L068V01
111L069V01
111L070V01
111L072V01
111L073V01
111L074V01
111L075V01
111L077V01
214

Contd... ANNEX 4

21
Shriram Life
Shriram
Shriram
Shriram
Shriram
Shriram
Shriram
Shriram
Credit Guard
Ujjwal Life
Ujjwal Life (SP)
Life Wealth Plus
Group Gratuity Protector
Extra Cover Rider
Critical Illness Cover Rider
22
Star Union Dai-ichi
SUD Life Defined Benefit Endowment Plan

SUD Life Defined Growth Endowment Insurance Plan
SUD Life Dhan Suraksha 3
SUD Life Dhan Suraksha Premium 3
SUD Life Prabhat Tara 3
SUD Life Dhan Suraksha Express
142N023V01
142N027V01
142L024V01
142L025V01
142L026V01
142L028V01
23
TATA AIG
Tata AIG Life Group Total Suraksha

Tata AIG Maha Life Guarantee
Tata AIG Life Maha Guarantee Flexi
Tata AIG Life Invest Assure Flexi Supreme
Tata AIG Life Lakshya Supreme
Tata AIG Life Invest Assure Plus Supreme
Tata AIG Life United Ujwal Bhavishya Supreme
Tata AIG Life Invest Apex Supreme
Tata AIG Life Insurance Swarna Pratigya
Tata AIG Life Invest Assure Gold Supreme
Tata AIG Life Group Disability Rider
110N088V01
110N089V01
110N093V01
110L090V01
110L091V01
110L092V01
110L094V01
110L095V01
110L096V01
110L097V01
110B022V01
Note: Edelweiss Tokio Life Insurance Co. Ltd. started its operations during 2011-12.
215
128N033V01
128L034V01
128L035V01
128L036V01
128L037V01
128B009V01
128C010V01

ANNEX 5
NON-LIFE INSURANCE PRODUCTS CLEARED

DURING THE FINANCIAL YEAR 2010-11
Sl.No.
Name of the Insurer
Name of the Product
Agriculture Insurance Company
Cardamom plant & yield insurance
Apollo Munich Health
Maxima Insurance
Optima Plus
Easy Health Insurance
Easy Health Group Insurance
Bajaj Allianz
Commercial Package
SIB Health Assist
Mausam Hifazat
Cholamandalam
Weather Insurance (Index)

Chola MS Individual Healthline Insurance
Domestic Travel Insurance
Chola MS Critical Healthline Insurance
Future Generali
Future Event Insurance

Future Cine Suraksha
Health Suraksha - Revision
Travel Suraksha - Standard Plan -Additional Benefits
HDFC Ergo
Card Sure Package Policy

Weather Insurance
Event Cancellation Policy
Crop Insurance Policy
Information Communication Technology Errors &
Ommission (Revised International wordings)
Janata Personal Accident (JPA)
Gramin Arogya Nidhi
Marine Cargo Open Policy
(Revision of Marine Institute of Cargo Clauses)
ICICI Lombard
Crop Insurance
Crop Insurance Policy (Revision / add-on covers)
IFFCO Tokio
Janta Bima Yojana Policy (MI Product)

Fasal Bima Yojna
L&T General
Industrial All Risks Policy

Advance Loss of Profits Insurance Policy
Machinery Loss of Profits insurance policy
My:asset Two Wheeler Insurance
My:asset Private Motor Insurance
My:asset Commercial & Miscellaneous Vehicle Insurance
Motor Liability Only Policy
Burglary and Housebreaking Insurance
My Jeevika
216

Contd... ANNEX 5

Standard Fire & Special Perils Policy
Contractors All Risk Policy
Erections All Risk Policy
Contractors Plant & Machinery Policy
Machinery Breakdown Policy
Electronic Equipments Insurance Policy
Workmens Compensation Insurance
Public Liability (Act) Insurance
Fire Loss of Profits Insurance Policy
All Risks Insurance
Neon Sign Insurance
Money Insurance
Baggage Insurance
Plate Glass Insurance
Money Insurance
Commercial General Liability Insurance
Combined Public & Product Liability Insurance
My:Jeevika Personal Accident Micro Insurance
Marine Cargo Insurance
10
Max Bupa Health
International Medical Emergency Policy

Swasthya Pratham Micro Insurance Product
HeartBeat
Employee First Health Insurance Plan
11
National Insurance
Package Insurance (Private Cars & Two Wheelers) - Add-on
12
New India Assurance
Jan Suraksha Laghu Bima
13
Raheja QBE
Multimedia Professional Indemnity

Professional Indemnity (Medical Malpractice)
Transporters Liability Policy
D&O Liability Insurance Excess Policy
D&O and Company Reimbursement Insurance
14
Royal Sundaram
Motor Add-ons for Commercial Vehicles

Health Shield - Gold
Health Shield - Normal
Health Shield - Premier
Family Health Protector
Top up insurance - Health XS and Super Health XS Insurance
Critical Illness Lumpsum Insurance
Family Good Health
Family Health Floater
15
SBI General
Long Term Insurance (Fire)

Burglary Insurance
Motor Add-ons (PC/TW/CV)
Plate Glass Insurance Policy
Business Package
Motor Add-ons (2) Re-filed
217

Contd... ANNEX 5

Advance Loss of Profits Insurance Policy
Money Insurance (revised)
Machinery Breakdown Policy
Contractors Plant & Machinery Policy
Boiler & Pressure Plant Policy
Erection All Risks Policy
Machinery Loss of Profits Policy
Aviation Hull Package
Industrial All Risks Policy
Money Insurance Policy
Loss of Profit
Group Health Insurance
16
Star Health and Allied
Star Shri Individual Care Insurance

Star Shri Family Care Insurance
Star Unique Health Insurance
Star Wedding Gift Insurance
Senior Citizen Red Carpet Insurance
Health All Care Insurance Policy
17
Shriram General
Industrial All Risk Policy

Neon sign/Glow sign/Hoardings Insurance Policy
Agriculture Pumpset Insurance Policy
Plate Glass Insurance Policy
Burglary Insurance (Revision)
Baggage Insurance
All Risk Insurance
Jewellers Block Insurance Policy
Business Protector
Commercial General Liability Insurance
Janata Personal Accident (Group)
Sales Turnover Policy
18
TATA AIG General
Pashu Suraksha Bima

Add-ons for Two Wheeler Package Policy
Rashtriya Swasthya Bima Yojana
Wellsurance
19
United India
Nil Depreciation (Add-on)

Workmen Medicare Policy
Individual Health Insurance - Senior Citizen
Individual Health Insurance - Platinum
Individual Health Insurance - Gold
IOB Health Care Plus
20
Universal Sompo
Motor Add-ons (8)

Advance Loss of Profits Policy
Fine Arts Insurance Policy
Individual Health Insurance - Sampoorna Swasthya Kavach
218
15-30
10
15-25
12.5-25
10
7.5-12.5
Average Terms
5
20
10
15-25
15-30
15-30
`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
`300 crore SI per risk on hull & corresponding
percentage share on other insurances
`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)
Fire, IAR
Large Risks
Marine Cargo
Marine Hull
War & SRCC
Motor, Workmens Compensation
General Aviation Liability
Aviation (Airlines)
Oil & Energy
Liability: Casualty and

Financial Liability
Credit & Guarantee Lines,

Mortgage Insurance,
Crop/Weather Insurance
Other Miscellaneous
Engineering Machinery
Breakdown/Boiler Explosion/
Loss of Profit
Contractors All Risk/Erection

All Risk/Advance Loss of
Profit/Delay in Start Up
219
25-30
25-30
15
15
15-20
20
Nil
15
15-30
Nil
15
10-15
20
20-25
Profit
Commission (%)
MD: Material Damage; LOP: Loss of profit; IAR : Industrial All Risks; SI: Sum Insured; SRCC : Strike, Riot and Civil Commotion
15-25
Reinsurance
Commission (%)
Limit of Cession in Sum Insured (SI)
Class
OBLIGATORY CESSIONS RECEIVED BY GIC
ANNEX 6
ANNEX 7
STATE-WISE NUMBER OF REGISTERED BROKERS

Sl.No
State
No of Licensed Brokers *
Maharashtra
98
Delhi
63
West Bengal
28
Tamil Nadu
28
Andhra Pradesh
18
Uttar Pradesh
18
Gujarat
13
Karnataka
12
Punjab
11
10
Kerala
11
Rajasthan
12
Chandigarh
13
Madhya Pradesh
14
Haryana
Total
311
* As on 30th June, 2011.
220

ANNEX 8
CIRCULARS / ORDERS / NOTIFICATIONS ISSUED BY THE AUTHORITY FROM APRIL 2010*

SI. No. Reference Number
Date of Issue
Subject
1
2
3
4
5
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
08/04/2010
13/04/2010
23/04/2010
27/04/2010
30/04/2010
6
7
8
9
10
IRDA/F&I/CIR/F&A/075/05/2010
IRDA/NL/CIR/HLTH/077/05/2010
IRDA/F&I/CIR/FA/076/05/2010
IRDA/F&I/CIR/AML/080/05/2010
03/05/2010
10/05/2010
10/05/2010
10/05/2010
13/05/2010
11
12
13
IRDA/ACT/CIR/MISC/081/05/2010
IRDA/CAGTS/CIR/LCE/082/05/2010
IRDA/CAS/CIR/EXD/083/05/2010
13/05/2010
17/05/2010
18/05/2010
14
15
16
IRDA/ADMN/CIR/GEN/084/05/2010
IRDA/F&I/CIR/DATA/091/06/2010
18/05/2010
25/05/2010
02/06/2010
17
18
19
20
21
22
23
24
25
26
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
27
28
29
IRDA/BRK/ORD/LC/112/07/2010
IRDA/F&I/ORD/F&A/114/07/2010
IRDA/F&I/CIR/INV/115/07/2010
16/07/2010
19/07/2010
21/07/2010
30
IRDA/NL/ORD/RIN/117/07/2010
26/07/2010
31
32
33
IRDA/LIFE/ORD/MISC/120/07/2010
IRDA/LGL/ORD/ORD/122/07/2010
26/07/2010
26/07/2010
27/07/2010
Standing Committee on Accounting Issues - reconstituted

Circular on ULIP
Cancelling of TPA Licence - Universal Medi Aid Services
Benefit Illustration - Payment to Distribution Channel
Carrying of insurance business by unauthorised entity
M/s Radiant Overseas Private Limited
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 way of 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 Examination Centres
Cancellation of Circulars on Referral Arrangement
Implementation of ERP systems stage 1 short listing of IT Firms for
technical Bid
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 ONGC- National Insurance
Company
Approval of Referral Companies
Airport Liability Insurance Policy- National Insurance Company
Show cause notice to SBI Life Insurance
* Issued upto 30th September, 2011.

221

Contd... ANNEX 8

34
35
36
37
38
39
40
IRDA/LGL/ORD/ORD/123/07/2010
IRDA/LIFE/MISC/CIR/125/08/2010
IRDA/LIFE/MISC/CIR/129/08/2010
27/07/2010
04/08/2010
05/08/2010
09/08/2010
11/08/2010
16/08/2010
17/08/2010
41
17/08/2010
42
17/08/2010
43
44
45
46
47
48
49
50
51
IRDA/F&I/ORD/F&A/133/08/2010
IRDA/F&I/ORD/F&A/134/08/2010
IRDA/HLT/MISC/CIR/139/08/2010
IRDA/CAD/CIR/AGN/137/08/2010
IRDA/CHM/ETASS/CIR/142/08/2010
IRDA/F&I/ORD/EMT/145/08/2010
20/08/2010
20/08/2010
23/08/2010
24/08/2010
24/08/2010
24/08/2010
31/08/2010
31/08/2010
01/09/2010
52
53
54
55
IRDA/NL/ORD/RTI/148/09/2010
IRDA/IT/ORD/MISC/152/09/2010
IRDA/SUR/ORD/LS/153/09/2010
03/09/2010
03/09/2010
06/09/2010
09/09/2010
56
57
58
IRDA/CAGTS/GDL/LCE/155/09/2010
IRDA/NL/CIR/CRE/159/09/2010
14/09/2010
24/09/2010
27/09/2010
59
60
IRDA/NL/ORD/CMT/167/10/2010
14/10/2010
18/10/2010
61
IRDA/F&I/CIR/EMT/169/10/2010
21/10/2010
62
63
64
65
66
67
IRDA/F&I/CIR/CMP/174/11/2010
IRDA/CAGTS/PNTC/LCE/172/11/2010
IRDA/LIFE/CIR/REF/179/11/2010
IRDA/F&A/WRN/EMT/185/11/2010
IRDA/F&A/WRN/EMT/184/11/2010
04/11/2010
04/11/2010
11/11/2010
12/11/2010
18/11/2010
18/11/2010
68
IRDA/F&I/CIR/EMT/183/11/2010
18/11/2010
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 for 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 Companies to Banks.
Framework to sanction Corporate Agency License
Constituting Committee for Embedding Insurance products for Disaster
Management Framework of the Country
Expenses of Management under section 40C of Insurance Act, 1938 read with
Rule 17E of Insurance Rules, 1939
Treatment of the sum pertaining to the Insured
Public Notice about unauthorized calls to general public
Portal for Registration of Referral companies
Guidelines on Anti Money Laundering/Counter-Financing of Terrorism
Contravention of provision of Section 40C of Insurance Act, 1938
Contravention of provision of Section 40B of Insurance Act, 1938 read with Rule
17D of Insurance Rules, 1939 and the directions of the Authority
Interpretation of First ten years of business u/s 40A of Insurance Act, 1938

222

Contd... ANNEX 8

69
70
71
72
73
74
75
76
77
78
79
IRDA/ACT/CIR/VIP/187/11/2010
IRDA/F&I/ORD/EMT/192/11/2010
IRDA/F&I/CIR/GLD/202/12/2010
IRDA/F&A/ORD/EMT/203/12/2010
IRDA/NL/CIR/CRE/205/12/2010
IRDA/ADMN/CIR/MISC/206/12/2010
IRDA/ADMN/ORD/MISC/207/12/2010
IRDA/NL/PR/CRE/208/12/2010
IRDA/NL/NTC/OOO/211/12/2010
23/11/2010
25/11/2010
26/11/2010
30/11/2010
08/12/2010
08/12/2010
09/12/2010
09/12/2010
09/12/2010
13/12/2010
17/12/2010
80
81
82
83
IRDA/NL/ORD/MPL/212/12/2010
IRDA/NL/ORD/GRV/213/12/2010
IRDA/CAGTS/ORD/GRV/214/12/2010
17/12/2010
21/12/2010
21/12/2010
22/12/2010
84
24/12/2010
85
IRDA/F&I/CIR/CIR/217/12/2010
27/12/2010
86
87
88
IRDA/NL/ORD/OOO/218/12/2010
27/12/2010
04/01/2011
04/01/2011
89
90
91
92
IRDA/IT/CIR/MISC/004/01/2011
IRDA/NL/CIR/F&U/003/01/2011
IRDA/TPA/GDL/CIR/008/01/2011
IRDA/F&A/CIR/SOLVN/011/01/2011
06/01/2011
06/01/2011
12/01/2011
27/01/2011
93
IRDA/CAD/WRN/CPR/012/01/2011
31/01/2011
94
95
IRDA/LIFE/CIR/GLD/013/02/2011
IRDA/F&I/CIR/F&A/015/02/2011
01/02/2011
02/02/2011
96
97
98
99
100
101
102
103
104
IRDA/CAD/CIR/AGN/017/02/2011
IRDA/CAD/GDL/AGN/016/02/2011
IRDA/NL/CIR/RIN/027/02/2011
IRDA/CHM/MISC/CIR/029/02/2011
IRDA/CHM/MISC/CIR/032/02/2011
IRDA/AGTS/MISC/GLD/031/02/2011
02/02/2011
02/02/2011
02/02/2011
08/02/2011
10/02/2011
10/02/2011
11/02/2011
11/02/2011
14/02/2011
Variable Insurance Product

Order against M/s TATA AIG Life Insurance Company
Cancellation of M/s Willis India Insurance Brokers Private Limited
Cancellation of Broker License No. 306
Policy Guidelines for Sharing of Information
Expenses of Management - exemption to M/s Max Bupa & M/s SBI General
Guidelines on Credit Insurance
Stock Trading
Support to Yugantar for Insurance Study
Trade Credit Insurance-Guidelines
Show Cause Notice to M/s. Oriental Insurance Company Limited for Non
compliance of Circulars/ Guidelines.
Committee on Commercial Motor Third Party Liability Cover
Complaint of M/s Abhinav Traders
Complaint of M/s Abhinav Traders-against corporate agents regulations
Rejection of Renewal application of M/s Reliable Insurance Brokers Private
Limited
Analysis of Claims Provisions of public sector non-life insurers as on
31st March, 2010
Recognition of Surplus arising in non-participating funds as profit / loss in the
profit & Loss Account
Non compliance to Section 64VC of Insurance Act, 1938
Guidelines on Group Insurance Policies
Analysis of Claims Provisions of private sector non-life insurers as on
31st March, 2010
Help Desk for User Call Management
General Insurance Products - Compliance with File and Use terms and conditions
Changes in network hospitals and TPAs
Valuation of Premium receivable from Central & State governments for
computation of Solvency
Contravention of the provisions of Regulation 8 of the Policyholder Protection
Regulations, 2002
Guidelines on outsourcing of activities by Insurance Companies
Creation of Reserve for Unexpired Risk (RUR) by the Non-Life Insurance
Companies for Health Segment
Guidelines pertaining to individual agents
Guidelines for individual agents for Persistency of Life Insurance Policies
Committee on guidelines for electronic issuance of insurance policies
Reinsurance with Indian Reinsurers - Obligatory Cessions
Insurance Schemes Sponsored by various Governments
Addendum to Circular IRDA/CHM/MISC/CIR/29/02/2011 dt 10.02.2011
Guidelines pertaining to individual agents
Cancellation of Broker License No. 204

223

Contd... ANNEX 8

105
106
107
IRDA/CAGTS/ORD/PNL/034/02/2011
14/02/2011
14/02/2011
25/02/2011
108
IRDA/ACT/CIR/GEN/045/03/2011
07/03/2011
109
110
111
112
113
114
115
IRDA/NL/ORD/MPL/046/03/2011
IRDA/CAD/GDL/AGN/052/03/2011
IRDA/ADMN/GDL/MISC/059/04/2011
IRDA/F&A/CIR/SOLP/063/04/2011
12/03/2011
18/03/2011
24/03/2011
29/03/2011
31/03/2011
05/04/2011
13/04/2011
116
117
118
119
120
IRDA/NL/PR/MOTP/067/04/2011
IRDA/NL/NTFN/MOTP/066/04/2011
IRDA/ADMN/GDL/GLD/080/04/2011
15/04/2011
15/04/2011
18/04/2011
19/04/2011
29/04/2011
121
122
123
124
IRDA/ADMN/ADVT/MISC/079/04/2011
IRDA/F&A/CIR/CG/081/05/2011
IRDA/ADMN/PNTC/MISC/086/05/2011
IRDA/LIFE/ORD/GRV/101/05/2011
29/04/2011
02/05/2011
04/05/2011
16/05/2011
125
126
127
128
IRDA/F&I/CIR/PBDIS/105/05/2011
IRDA/BRK/ORD/LS/110/05/2011
18/05/2011
20/05/2011
26/05/2011
26/05/2011
129
130
131
132
133
134
135
136
137
138
139
140
141
142
IRDA/AGTS/CIR/BANC/115/06/2011
IRDA/F&I/ORD/RSS/114/06/2011
IRDA/ACT/CIR/RIN/119/06/2011
IRDA/F&A/ORD/EMT/130/06/2011
IRDA/ACT/ORD/MISC/131/06/2011
06/06/2011
07/06/2011
07/06/2011
10/06/2011
10/06/2011
10/06/2011
10/06/2011
10/06/2011
10/06/2011
10/06/2011
20/06/2011
21/06/2011
30/06/2011
04/07/2011
Order of IRDA against M/s Central Bank of India

Order of IRDA against M/s Cholamandalam General Insurance Company
Cancellation of Broker License No.373 of M/s Artha Insurance Broking Services
Limited earlier known as M/s Tom Insurance Broking Services Limited
Note for the use of Appointed Actuaries for the preparation of Actuarial Report
and Abstract for the year ended 31st March, 2011
Motor Third Party Pool Reserves and Accounts Reserves
Investigation of M/s Reliance General Insurance Company
Guidelines Pertaining to Agents
(1) ULIP - Fund Approval Procedure and (2) NAV Process regarding.
Cancellation of Brokers License - M/s SNK Insurance Brokers License No. 322
Guidelines on Distance Marketing of Insurance Products
Valuation of Premium Receivable from Central/State Governments for
Computation of Solvency Position
Motor TP Liability Cover
Motor Insurance Premium Rates for TP Liability only Cover
Cancellation of Broker Licence
Financial impact due to increase in gratuity limit of employees
Guidelines on Insurance repositories and electronic issuance of insurance
policies
Request for proposal for analysis & reporting of industry- wide fraud trends
Compliance with Corporate Governance Guidelines
Insurance Repositories - Calling for Application Forms
Hearing - M/s Met Life India Insurance Company Limited on matters relating to
Consumer Affairs
Clarification on Guidelines on Outsourcing of Activities by Insurance Companies
Public Disclosures by insurance companies
Economic Capital for Non-Life Industry
Suspension Order of Licence of M/s Jeevan Suraksha Insurance Broking
Services Private Limited
Constitution of Standing Committee
Report of the Committee on Bancassurance
Levy of Penalty under Section 105B of the Insurance Act, 1938
M/s National Insurance Company
M/s The New India Assurance Company limited
M/s IFFCO TOKIO General Insurance Company
M/s Bajaj Allianz General Insurance Company
M/s ICICI Lombard General Insurance Company.
M/s Royal Sundaram Alliance General Insurance Company.
Submission of Reinsurance Data on a Quarterly Basis
Exemption Order under Rule 17E
Constitution of an Actuarial Standing Committee (ASC)
Reporting formats under Clause 3.2 Master Circular 2010 on AML/CFT guidelines
Prevention of Money Laundering - Third Amendment Rules, 2010

224

Contd... ANNEX 8
143
144
IRDA/NL/CIR/MISC/159/07/2011
08/07/2011
08/07/2011
145
146
11/07/2011
12/07/2011
147
148
149
150
151
152
153
IRDA/CAD/ORD/CPR/170/07/2011
IRDA/ACT/PNTC/GEN/179/08/2011
IRDA/ACT/PNTC/PRD/181/08/2011
IRDA/ACT/PNTC/LIF/180/08/2011
IRDA/F&A/CIR/TRSH/183/08/2011
26/07/2011
01/08/2011
08/08/2011
08/08/2011
08/08/2011
11/08/2011
16/08/2011
154
155
156
157
158
159
160
IRDA/F&I/ORD/CPM/204/08/2011
17/08/2011
23/08/2011
24/08/2011
30/08/2011
30/08/2011
30/08/2011
06/09/2011
161
162
163
164
IRDA/NL/ORD/CMT/214/09/2011
IRDA/LIFE/GDL/GLD/217/09/2011
09/09/2011
16/09/2011
19/09/2011
20/09/2011
165
166
167
IRDA/NL/GDL/MISC/218/09/2011
IRDA/LIFE/CIR/GLD/219/09/2011
20/09/2011
21/09/2011
22/09/2011
168
IRDA/NL/CIR/F&U/226/09/2011
27/09/2011
Personal Hearing with Chairman- SBI Life Insurance-Penalty of `70 lakh

Submission of Business Information related to policies, claims and offices of
Insurers
Exposure Draft Third Party Administrators
Cancellation order of M/s Athena Insurance & Reinsurance Brokers Private
Limited
Order against M/s The New India Assurance Company Limited
ULIP - Fund approval procedure and NAV process
Exposure Draft on Asset-Liability management and stress testing
Exposure Draft on Pension Products
Exposure Draft on Asset-Liability management and stress testing - Life
Transfer of Shares
Cancellation of Broker License No-333 (M/s Ashika Insurance Broking & Risk
Management Private Limited)
Fund Approval Procedure and Guidelines on NAV Process
Authorization of M/s Anandam & Co
Solvency margin of non-life insurance in respect of Motor Third Party Pool
Personal Hearing in the matter of M/s Shriram Life Insurance Company Limited
Levy of Penalty under Section 102 of the Insurance Act, 1938
Investment in Venture Funds - Clarification
Servicing of Health Insurance Schemes offered by bodies other than Insurance
Companies
Creation of Indian specific ACORD standards for the Indian Insurance Market
Rejection of Claims due to delay in intimation/document submission
Modification of guidelines for individual agents for persistency of life insurance
policies
Modification of guidelines pertaining to individual agents
Clarification on Guidelines on Outsourcing of Activities by Insurance Companies
Refusal to grant renewal of license to M/s Heritage Insurance Brokers Private
Limited
Provision of Nomination in Personal Accident cover provided to owner-driver
and Named Persons in Motor Package Policy
225

ANNEX 9
REGULATIONS FRAMED UNDER THE IRDA ACT, 1999 #
Sl.No.
REGULATIONS
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
53
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 Sectors) 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) (Amendment) Regulations, 2002
IRDA (Manner of Receipt of Premium) Regulations, 2002
IRDA (Distribution 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) Regulations, 2005
IRDA (Maternity Leave) Regulations, 2005
IRDA (Obligation of Insurers to Rural or Social Sectors) (Amendment) Regulations, 2005
IRDA (Reinsurance Cessions) Notification
IRDA (Licensing of Insurance Agents) (Amendment) Regulations, 2007
IRDA (Licensing of Corporate Agents) (Amendment) Regulations, 2007
IRDA (Insurance Brokers) (Amendment) Regulations, 2007
IRDA (Obligation of Insurers to Rural or Social Sectors) (Third 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) (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 Discontinued Linked Insurance Policies) Regulations, 2010
IRDA (Insurance Advertisements and Disclosure) (Amendment) Regulations, 2010
IRDA (Licensing of Insurance Agents) (Amendment) Regulations, 2010
IRDA (Scheme of Amalgamation and Transfer of General Insurance Business) Regulations, 2011
# Notified in the Official Gazette.
226

Bilangual Annual Report

Загружено:

Сведения о документе

Авторское право

Доступные форматы

Поделиться этим документом

Поделиться или встроить документ

Параметры публикации

Этот документ был вам полезен?

Это неприемлемый материал?

Авторское право:

Доступные форматы

Bilangual Annual Report

Загружено:

Авторское право:

Доступные форматы

dm{fH$ [anmoQ>

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

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

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

(Oo h[a Zmam`U)

Parishram Bhavan, 3rd Floor, Basheer Bagh, Hyderabad-500 004. INDIA.

gm_m` Am{WH$ dmVmdaU

~r_m Ama nwZ~r_m H$n{Z`m| Ho$ {b`o {d{Z`_Z

hm{Z {ZYmaH$m| Ama gd}jH$m| Ho$ {b`o {ZYm[aV AMma g{hVm

~r_m `dgm` H$aVo hEo XjVm H$mo ~T>mZm

A{Y{Z`_ Ho$ {bE br JB \$sg Ama A` Vah Ho$ ewH$

~r_m H$n{Z`m| mam {Z{Y`m| Ho$ {Zdoe H$mo {d{Z`{_V H$aZm

~r_m F$UemoYZ j_Vm Ho$ aIaImd H$m {d{Z`_Z

mewH$ g_mhH$ma g{_{V (Q>rEgr) H$m AYrjU

~r_mH$VmAm| mam Jm_rU d gm_{OH$ jo _| OrdZ ~r_m d gmYmaU ~r_m _| {H$`o

Hw$N> A` e{$`m| H$m `moJ `{X {ZYm[aV H$s JB h&

OrdZ ~r_m jo _| Xmdm| H$m {ZnQ>mZ

df 2010 Ho$ XmamZ r{_`_ _| dmV{dH$ {dH$mg

Ja OrdZ ~r_m H$m`mb`m| H$s g`m

KQ>H$dma Ja OrdZ ~r_m r{_`_

{ddaUm| H$s gyMr

am`mZwgma gH$b ` r{_`_ Am`

^maV _| H$m_ H$aZo dmbr ~r_m H$n{Z`m

AmBAmaS>rE A{Y{Z`_, 1999 Ho$ AYrZ ~Zm`o J`o {d{Z`_Z

gbH$mo H$s gyMr

Ho$ Ho$ lr{ZdmgZ

S>m Ama H$Z

(4 {gV~a 2010 VH$)

(1 OyZ 2011 VH$)

Ama Ho$ Zm`a

PART TIME MEMBERS

(6 Aw$~a 2010 VH$)

(5 \$adar 2011 VH$)

Bbm Ama ^>

(17 AJV 2011 VH$)

m`mnH$ dr Ho$ Jwm

(6 \$adar 2011 go)

(18 AJV> 2011 go)

H$m`H$mar {ZXoeH$ (Ja-OrdZ)

H$m`H$mar {ZXoeH$ ({~_mH$Z)

S>m S>r dr Eg emr

H$m`H$mar {ZXoeH$ (emgZ)

_hm {ZXoeH$ (emoY Ed {dH$mg)

d[a> g`w$ {ZXoeH$

S>m __Vm gyar

aUXrn qgh OJnmb

amHo$e Ho$ ~OmO

H$_Mmar H$m Zm_

amO Hw$_ma e_m

Oo. _rZm Hw$_mar

{dZ` Hw$_ma _VJr

S>m. __Vm gyar

{dm Ed boIm {d^mJ

{dm Ed {Zdoe {d^mJ

Oo. _rZm Hw$_mar

E_. nwm amd

d[a> g`w$ {ZXoeH$

d[a> ghm`H$ {ZXoeH$

d[a> g`w$ {ZXoeH$

ghm`H$ {ZXoeH$ - AmaQ>rAmB

~r.EM. gw`Zmam`U emr

dr. O`V Hw$_ma

aUXrn qgh OJnmb

na_oda Eb. amd erHo$