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nd
53
Annual
Report

INDEX
Page
1.

PREAMBLE

55

2.

MEMBERS OF THE CORPORATION, VARIOUS COMMITTEES, SENIOR EXECUTIVES AND

APPOINTED ACTUARY, MEMBERS OF ZONAL ADVISORY BOARD AND
POLICYHOLDERS' COUNCIL

55

3.

ECONOMIC SCENARIO

55

4.

MACRO ECONOMIC FACTORS THAT AFFECTED LIFE INSURANCE BUSINESS

57

5.

WORKING RESULTS

58

I.

New Business - Individual Assurance, General Annuities, Pensions, Unit Linked Business,
Group Insurance Business, Social Security Schemes, First Insurance, Rural Thrust

II.

Business in Force in Various Segments Individual Assurance, General Annuities,

Pensions, Unit Linked Business, Group Insurance Business

6.

CAPITAL REDEMPTION AND ANNUITY CERTAIN BUSINESS

59

7.

STATUTORY STATEMENTS REGARDING POLICIES

59

8.

ORGANISATIONAL SET UP

59

9.

LIFE FUND, SURPLUS AND TAXES PAID

59

10.

CORPORATE SOCIAL RESPONSIBILITY

Group Schemes and Social Security, Investment in Social Sector and
Golden Jubilee Foundation

59

11.

MARKETING ACTIVITIES
New Business procured during 2009-10 Channel wise, Product Development, Field Personnel Training,
Bancassurance & Alternate Channels, Micro Insurance, Health Insurance and Direct Marketing.

60

12.

AGENTS
Agency Strength, Agents Club Membership, Career Agents Scheme, Chief Life Insurance Advisor Scheme
and Authorised Agents

63

13.

OVERSEAS OPERATIONS Foreign Offices, Representative Office and Foreign Joint Venture Companies

64

14.

DIVERSIFIED ACTIVITIES
LIC Housing Finance Ltd., LICHFL Care Homes Ltd., LIC Mutual Fund Asset Management
Company Ltd., LIC Pension Fund Ltd. and LIC Cards Services Ltd.

65

15.

CUSTOMER RELATIONSHIP MANAGEMENT

Settlement of Claims, Alternate Channels of premium payments, Policy information through
SMS, Customers' Grievance Redressal, IVRS/ Info Centres, Customer Zones and Annuity Payment

67

16.

CORPORATE COMMUNICATION

69

17.

RIGHT TO INFORMATION ACT, 2005

69

18.

70

19.

PERSONNEL & EMPLOYEE RELATIONS

Staff Strength, Employee Relations, Empowerment of Women, Reservation and National Policy
Implementation - Scheduled Castes, Scheduled Tribes and Other Backward Classes,
Physically Challenged, Ex- Servicemen, Recruitment, Housing Loan to Employees and Sports
HUMAN RESOURCES DEVELOPMENT / ORGANISATIONAL DEVELOPMENT INITIATIVES / TRAINING

20.

MANAGEMENT DEVELOPMENT CENTRE

72

21.

OFFICIAL LANGUAGE IMPLEMENTATION

72

72

nd
53
Annual
53
Report

Page
22.

ENGINEERING ACTIVITIES

73

23.

STRATEGIC BUSINESS UNIT - ESTATES

73

24.

INFORMATION TECHNOLOGY

73

25.

INTERNAL AUDIT

74

26.

INSPECTION

74

27.

VIGILANCE

74

28.

NOMINEE DIRECTORS

74

29.

RISK MANAGEMENT

75

30.

CORPORATE GOVERNANCE

75

31.

BOARD MEETINGS

75

32.

CENTRAL MANAGEMENT COMMITTEE

75

33.

ZONAL ADVISORY BOARD (ZAB)

75

34.

POLICYHOLDERS COUNCIL (PHC)

75

35.

DIRECTION AS PER LIC ACT

75

36.

AUDITORS

75

37.

BUSINESS PLANS FOR 2010-11

76

38.

ACKNOWLEDGEMENT

76

SUMMARISED RESULTS

77

TABLES

81

APPENDIX - I

94

Members of the Corporation, various committees, Senior Executives and Appointed Actuary,
Members of Zonal Advisory Boards and Policyholders' Council.
APPENDIX - II

104

Statutory (Central) Auditors

ACCOUNTS

109

Auditors Report
LIFE BUSINESS
Financial Statement (Segmental)
Balance Sheet-Non Linked and Linked in respect of Business in India and out of India

112

India Revenue Account-Non Linked and Linked in respect of Business in India and out of India

114

(Participating and Non Participating)

Profit and Loss Account- Non Linked and Linked in respect of Business in India and out of India

118

Schedules forming a part of the Financial Statements (Schedule 1 to 15)

120

Summary of Financial Statements

176

Ratios

178

Receipt and Payment Account (Cash Flow Statement)

180

CAPITAL REDEMPTION (INCLUDING ANNUITY CERTAIN) INSURANCE BUSINESS

Balance Sheet

182

Revenue Account

184

Profit & Loss Account

186

Schedules forming part of the Financial Statements (Schedules 1 to 4, 6, 8 & 11 to 13)

188

53

1.

vkeq [ k %
Hkkjrh; thou chek fuxe d 31-3-2010 d lekIr foRrh; okZ ds fy, thou chek fuxe vf/kfu;e] 1956 dh /kkjk 27 ds vUrxZr
viuh 53oha okfkZd fjiVZ Lrqr djus esa gkZ g jgk gS A

2.

fuxe ,oa lfefr;a ds lnL; %

fuxe ds lnL;a rFkk okZ ds njku bldh fofHku lfefr;a ds lnL;a ds uke] fuxe ds ofjB kkld] fu;qDr chekadd] {ks=h;
lykgdkj cMZ ,oa ikfylh/kkjd ifjkn ds uke ifjfkV I esa gSa A i`B la- 44 ls 53 rd

3.

vkfFkZd ifjosk %
okZ 2008&09 ds mRrjk/kZ esa Hkkjh eanh dk nj ns[kus ds ckn] foRrh; okZ 2009&10 ds iwokZ/kZ esa Hkkjrh; vFkZO;oLFkk esa /kheh xfr cuh
jgh A ysfdu okZ 2009&10 ds mRrjk/kZ esa fooO;kih vFkZO;oLFkk esa vkafkd lq/kkj ds fpUg fn[kk fn, A ljdkj }kjk foRrh; Rlkgua
dk lgkjk vkSj Hkkjrh; fjtoZ cSad }kjk vuqdyw foRrh; uhfr;a ds pyrs ?kjsyw [kir esa lq/kkj vk;k A blds QyLo:i] okZ 2009&10
dh vafre frekgh esa gq 8-6% dh vuqekfur o`f) ds lkFk Hkkjrh; vFkZO;oLFkk esa iqu% mPp o`f) nj yV vk;k A okZ 2009&10
lw[kkxzLr okZ gus ds dkj.k fk {ks= esa gq fxjkoV ds ckotwn djijsV fcf;a esa o`f)] /ku dh ekax esa okilh vkSj fu;kZr@vk;kr
esa csgrj nkZu ls ;g lq/kkj ifjnfkZr gqvk A
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ldy ?kjsyw mRikn %

ldy ?kjsyw mRikna dh fLFkj ewY;a ij vk/kkj okZ 1999&2000 fiNys foRr okZ dh rqyuk esa okZ 2009&10 esa 6-7% dh
ctk; 7-4% dh o`f) gq A vDVwcj] 2009 ds ckn fofuekZ.k {ks= esa nqgjs vada esa lq/kkj vk x;k A
u rkfydk ds vuqlkj vk/kkj okZ 2004&05 ldy ?kjsyw mRikn esa fLFkj ewY;a ij okZ 2008&09 ds 6-72 % dh rqyuk esa
7-44% rd o`f) gq vkSj blds orZeku ewY;a ij 58]35]493 djM+ :i;s gus dk vuqeku Fkk A de ckfjk gus ds dkj.k 13
jkT;a vkSj 300 ls vf/kdre ftya esa [kjhQ dh Qly ij Hkko iM+k vkSj vkSj okZ 2008&09 esa fk] ou mRikn] eNyh mRikn
esa gq 1-58% dh rqyuk esa 0-22% dh ekewyh o`f) gq A bl le; pkoy] eVs vukt vkSj frygua dk mRiknu esa Hkkjh
fxjkoV vk ysfdu dikl] iVlu vkSj esLVk tSls jsksokyh Qlya ds mRiknu esa c`f) gq ftlls fk ds ldy ?kjsyw mRikn
esa fxjkoV ds Hkko dks jdus esa lgk;rk feyh A m|x {ks= esa fofuekZ.k] [kuu vkSj mR[kuu esa nqgjs vada dh o`f) dh lgk;rk
ls okZ 2008&09 esa 3-87% dh rqyuk esa 9-27% dh cgqr etcwr o`f) gq Fkh A bl vof/k esa lsok {ks= dh o`f) nj FkM+h
de gdj 9-75% ls 8-53% g x A bldk eq[; dkj.k ^lkeqnkf;d lsokvksa vkSj O;fDrxr lsokvks*a ds o`f) nj esa fxjkoV
guk Fkk t 13-9% ls de gdj 5-64% jg x A foRr] chek rFkk vpy laifRr vkSj O;kikfjd lsokvksa ds o`f) nj esa Hkh
ekewyh deh gq t 10-06% ls 9-70% jg xA

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ldy ?kjsyw cpr %

okZ 2008&09 esa orZeku ewY;a ij ldy cpr vuqekur% 18]11]585 djM+ :i;s jgh A ldy ?kjsyw mRikn dh frkrrk ds
:i esa ldy ?kjsyw cpr ds fgLls esa yxHkx 4% dh fxjkoV fn[kk nh t okZ 2007&08 ds 36-41% ls ?kVdj 32-50% jg
xA blls okZ 2002&03 ls cuk o`f) dk :[k lekIr g x;k A ldy ?kjsyw mRikn esa ?kjsyw {ks= ds ;xnku esa d ifjorZu
ugha gqvk t 22-63% jgk A tcfd ;g okZ 2007&08 esa 22-64% Fkk A ldy ?kjsyw mRikn esa futh dkjijsV {ks= ds fgLls
esa ekewyh fxjkoV vk t 8-72% ls ?kVdj 8-44% jgh A rFkkfi] ;g fxjkoV ljdkjh {ks= ds ekeys esa mYys[kuh; jgh t
ldy ?kjsyw mRikn ds 5-05% ls ?kVdj 1-44% jg x;h A orZeku ewY;a ij ?kjsyw {ks= dk ;xnku okZ 2007&08 esa 11]20]221
djM+ :i;s ls c<+dj okZ 2008&09 esa 12]61]332 djM+ :i;s g x;k A blds QyLo:i] ldy ?kjsyw cpr esa ?kjsyw {ks= dk
fgLlk 62-18% ls c<+dj 69-63% g x;k A ldy ?kjsyw cpr esa ldy foRrh; cpr 40-29% ls c<+dj 41-24% g x vkSj
Hkfrd laifRr;a esa cpr 31-50% ls c<+dj 37-53% g x A
ldy ?kjsyw fuosk nj okZ 2008&09 esa ldy ?kjsyw mRikn ds 34-9% dh rqyuk esa okZ 2009&10 esa ldy ?kjsyw mRikn ds
35-0% ij fLFkj jgh A ?kjsyw {ks= ldy foRrh; cpr t okZ 2007&08 esa 7]25]841 djM+ :i;s Fkh og 2008&09 esa c<+dj
7]47]130 djM+ :i;s g x] ftlesa orZeku ewY;a ij 2-93% dh lkekU; o`f) fn[kk nh A ?kjsyw {ks= dh fuoy foRrh; cpr
orZeku ewY;a ij okZ 2007&08 esa 5]52]725 djM+ :i;s Fkh og 5-19% ls c<+dj okZ 2008&09 esa 5]81]428 djM+ :i;s g
xA ldy foRrh; cpr esa ?kjsyw {ks= ds fgLls esa ekewyh o`f) gq t 76-15% ls c<+dj 77-82% g x A ;|fi ks;ja vkSj
fMcspa ja ds cpr esa rhoz fxjkoV vk t okZ 2007&08 esa ldy foRrh; cpr ds 12-61% ls ?kVdj okZ 2008&09 esa ek=
2-64% jg x rFkkfi chek fuf/k;a vkSj udnh esa ekewyh c<+rjh fn[kk nh A ldy foRrh; cpr esa tek jkfk;a ds fgLls esa
o`f/n gq] t okZ 2007&08 esa 51-54% Fkh vkSj okZ 2008&09 esa og c<+dj 58-45% g x;h A ldy foRrh; cpr dh
frkrrk ds :i esa ?kjsyw {ks= dh foRrh; ns;rk,a 23-85% ls ?kVdj 22-18% jg xA
5

53

foRrh; fLFkfr %
ljdkj us dja d de djus rFkk yf{kr {ks=a esa O;; djus ds :i esa foLrkjkRed foRrh; uhfr d tkjh j[kk rkfd vkfFkZd
fodkl esa yxkrkj o`f) cuk j[kh tk lds A dja d de djus rFkk vFkZO;oLFkk esa de o`f) ds ifj.kkeLo:i jktLo vk;
ij Hkko iM+k A dj jktLo fuoy fxjdj 4]74]218 djM+ :i;s jg x;k t okZ 2008&09 esa ldy ?kjsyw mRikn ds 8-76%
ls ?kVdj 2009&10 esa 8-10% jg x;k A ldy foRrh; ?kkVk 4]00]996 djM+ :i;s ldy ?kjsyw mRikn ds 6-85% jgus dk
vuqeku gS tcfd jktLo ?kkVk 2]82]735 djM+ :i;s ldy ?kjsyw mRikn ds 4-83% jgus dk vuqeku gS A
ljdkj us okZ 2010&11 ds ctV esa rsjgosa foRr vk;x dh flQkfjka ds vuqlkj foRrh; Rlkgua d mRrjRrj gVkus dk
ladrs fn;k gS A ljdkj us igyh ckj] lkoZtfud _.k &ldy ?kjsyw mRikn vuqikr esa deh dk y{; lk/kk gS A ljdkj us
R;{k dj lafgrk d ykxw djus dh vius eakk dh Hkh ?kk.kk dh gS vkSj mldk ;kl gxk fd dj lq/kkj f;k ds dM+h ds
:i esa 1 vSy] 2011 esa lkeku rFkk lsok dj vkjaHk g tk, A foRr okZ 2010&11 ds fy;s foRrh; ?kkVs d 5-5% ij j[kus
dk y{; j[kk x;k gS tcfd jktLo ?kkVs d 4-0% ij j[kus dk y{; gS A ldy foRrh; ?kkVs vkSj jktLo ?kkVs d okZ
2012&13 rd ldy ?kjsyw mRikn ds 4-1% rFkk 2-7% ds Lrja rd ?kVkus dk y{; j[kk x;k gS A

?k eq k fLFkfr %
okZ 2009&10 ds iwokZ/kZ esa vkfFkZd dk;Zdykia esa eanh tkjh jgus ds dkj.k rFkk eqkLQhfr ds fuEu Lrja ij jgus ds vk/kkj
Hkkjrh; fjtoZ cSda us vkjaHk esa vkfFkZd ladV ds cqjs ifj.kkea dk lkeuk djus vkSj varr% lq/kkj dk;e j[kus ds fy, vuqdyw
eqk uhfr tkjh j[kh A vDVwcj] 2008 ls vSy] 2009 rd jsi jsV d 425 csfll IokbaV ?kVkdj 4-75% rd] fjolZ jsi jsV
d 275 csfll IokbaV ls ?kVkdj 3-25% rd rFkk lhvkjvkj d 400 csfll IokbaV ?kVkdj 5% rd yk;k x;k ftlesa vSy]
2009 ds eghus esa jsi rFkk fjolZ jsV nua esa 25 csfll IokbaV d ?kVkuk kkfey gS A okZ 2009 ds mRrjk/kZ es]a foksk :i ls
foRr okZ dh vafre frekgh esa vFkZO;OkLFkk esa o`f) dk;e j[kus ds ladrs fn[kk fn;s A blh le; eqkLQhfr esa o`f/n O;kid guh
kq: g x A Hkkjrh; fjtoZ cSda us eqk lac/a kh frf;k esa yxHkx lHkh xSj&ijaijkxr eqk lac/a kh mik;a d lekIr djds eqk
lac/a kh Rlkgua d /khjs&/khjs okil djus dh f;k vkjaHk dh A Qjojh 2010 ls tqyk 2010 dh vof/k ds njku jsi jsV esa
125 csfll IokbaV] fjolZ jsi jsV esa 100 csfll IokbaV rFkk lhvkjvkj esa 100 csfll IokbaV rd o`f) dh x Fkh A lkafof/kd
pyfuf/k vuqikr d Hkh ,uMhVh,y fuoy ekax rFkk eh;knh ns;rkvksa ds 25% rd okil fd;k x;k] tSlh fd eanh ds vkjaHk
gus ds le; dk;e Fkk A bl dkj] ;gka okZ 2009&10 ds iwokZ/kZ ds o`f) lac/a kh Rlkgua esa Hkkjrh; fjtoZ cSad }kjk eqnkz uhfr
esa lqLiV ifjorZu fd;k x;k rkfd mRrjk/kZ esa vkfFkZd lq/kkja d gkfu igqapk, fcuk eqkLQhfr d jdk tk lds A
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eq kLQhfr %
vDrwcj] 2009 rd eqkLQhfr nkkZuos kys Fkd ewY; lwpdkad esa o`f) okZ nj okZ vk/kkj ij cgqr lkekU; Fkh A okLro es]a Fkd
ewY; lwpdkad esa twu ls vxLr dh vof/k ds njku fxjkoV vk;h A bldk eq[; dkj.k foRr okZ 2008&09 ds iwokZ/kZ esa mPp
eqkLQhfr dk Hkko Fkk A ;|fi kjafHkd oLrqvksa dh eqkLQhfr iwjs foRrh; okZ ds njku aph Fkh] ijUrq blds Hkko d vU;
oLrqvksa esa fuEu Lrj dh eqkLQhfr }kjk lkekU; dj fn;k Fkk A rFkkfi] uoEcj] 2009 ds ckn eqkLQhfr esa rhoz o`f) gq t
foRrh; okZ ds var rd 11% ls ij ds Lrja rd igqpa x] D;afd vU; n oxksZ tSls fofufeZr mRikna vkSj ba/ku] fctyh]
dkk vkfn esa Hkh rhoz eqkLQhfr vk x;h A
vkS|fxd jtxkj ls lacfa /kr miHkDrk ewY; lwpdkad lhihvk&vkMCY;w iwjs okZ ds njku 7-5% ls ij cuk jgk A
vkS|fxd dkexkja ds fy, miHkDrk ewY; lwpdkad IokbaV Vw IokbaV eqkLQhfr nj ekpZ] 2010 esa 14-9% Fkh] fk etnwja ds
fy, miHkDrk ewY; lwpdkad esa ;g 15-8% Fkh] xzkeh.k etnwja ds fy, miHkDrk ewY; lwpdkad esa ;g 15-52% Fkh vkSj kgjh
xSj&kkjhfjd Jeokys deZpkfj;a ds miHkDrk ewY; lwpdkad esa ;g 14-9% Fkh A

ks;j rFkk _.k bfDoVh rFkk MsV cktkj %

iwjs okZ ds njku vf/kd udnh cuh jgh ftlds dkj.k eqk cktkj esa C;kt njsa fupys Lrj ij jgha A eqk cktkj esa nSfud
vknku&nku esa 49% dh o`f) ls cktkj dh fLFkfr;a esa lq/kkj dk ladrs feyk A ljdkj }kjk cktkj ls vf/kd m/kkj fy, tkus
dh otg ls ljdkjh frHkwfr;a dh frykHka esa /oZe[q kh ncko fn[kk fn;k A rFkkfi] futh {ks= ls _.k dh de ekax vkSj
lkFk gh Hkkjrh; fjtoZ cSda }kjk pyfuf/k esa c<+rjh fd, tkus ls c<+rh gq frykHka d jdus esa lgk;rk feyh A nl okhZ;
c.Ma dk frykHk t okZ 2008&09 ds var esa 7-01% Fkk] foRrh; okZ 2009&10 ds var rd c<+dj 7-83% g x;k A
pyfuf/k esa c<+rjh dh fLFkfr us tek ek.ki=a lhMh vkSj okf.kfT;d nLrkosta lhih ds fuxZe esa Hkh o`f) ntZ dj nh A
;|fi vafre frekgh dh vkafkd o`f) d NM+dj lhMht ds fy, C;kt njsa vf/kdkakr% fLFkj jgha] lhih ij C;kt njsa feyhtqyh
jgha A tSls gh ?kjsyw [kir esa o`f) gus rFkk fooO;kih vkfFkZd ifjfLFkfr;a esa lq/kkj gus ls iwta hxr varokZg iqu% vkjaHk gqvk]
bfDoVh cktkj esa dkjckj iqu% yVk vkSj iwjs foRr okZ ds njku lq/kkj dk;e jgk A eqca ks;j cktkj lwpdkad ch,l lsUlsDl
esa 80% dh o`f) gq tcfd lh,u,Dl fuVh esa yxHkx 74% dh c<+r gq A lwpdkada esa o`f) ds lkFk dkjckj esa Hkh etcwr

53

o`f/n gq A ch,l udn [kkrs esa dkjckj 11]00]074 djM+ :i, ls c<+dj 13]78]809 djM+ :i;s g x;k tcfd ,u,l esa
blds 27]52]023 djM+ :i;s vkSj 41]38]024 djM+ :i;s ds rnuq:ih vkadM+s jgsA okZ 2009&10 esa ifCyd b;wt ds ek/;e ls
32]607 djM+ :i;s tqVk, x, tcfd okZ 2008&09 esa 14]671 djM+ :i;s tqVk, x, Fks A lkFk gh] futh IyslesaVa vkSj
,Mhvkj@thMhvkj ds ek/;e ls tqVk x jkfk;a esa vR;f/kd lq/kkj gqvk t 2]04]057 djM+ :i;s vkSj 4]788 djM+ :i;s ls
c<+dj ek% 3]42]445 djM+ :i;s vkSj 15]967 djM+ :i;s g x;k A E;qP;qvy QaMa }kjk 83]080 djM+ :i;s tqVk;s x;s
tcfd fiNys foRr okZ esa 28]296 djM+ :i;s dk cfgxZeu gqvk Fkk A bu lq/kkja ds ifj.kkeLo:i] ch,l dk cktkj Lrj
ekdZVs dSi 61]64]157 djM+ :i;s rFkk ,u,l dk ekdZVs dSi 60]09]173 djM+ :i;s rd igqpa x;k t okZ 2008&09 rFkk
okZ 2007&08 nua ds ekpZ ds var ds vkadM+a ls vf/kd gS A
N

ckg~; {ks= ,DlVuZy lsDVj %

Hkkjrh; vFkZO;oLFkk us lpsr foRrh; rFkk eqk lac/a kh uhfrxr dkjZok;a dh lgk;rk ls vR;f/kd yphykiu fn[kkrs gq, rFkk
ckgjh >Vda d lgrs gq, rhoz o`f/n idM+ yh gS A okZ 2009 esa fooO;kih vFkZO;oLFkk esa foksk :i ls ladpq u vk x;k D;afd
fodflr vFkZO;oLFkkvksa esa eanh vk x;h] foo O;kikj ij frdwy Hkko iM+k vkSj detj fooO;kih ekax rFkk vusd nska }kjk
viuk, x, laj{k.kkRed mik;a ds dkj.k blesa 11-8% rd fxjkoV vk x;h A fu;kZra esa lq/kkj fn[kk nsuk vkjaHk gus rFkk
iwta hxr varokZg vkjaHk gus ls Hkqxrku laryq u fLFkfr esa mYys[kuh; lq/kkj vk x;k A vDrwcj ekg esa fu;kZra esa lq/kkj vkjaHk gqvk
rFkk blds QyLo:i Hkkjr ds fu;kZr foRrh; okZ ds var rd 0-52% ls c<+dj 8]45]125 djM+ :i;s rd igqpa x, tcfd okZ
2008&09 esa ;g 8]40]755 djM+ :i;s ds Fks A rFkkfi foRrh; okZ ds fy, Mkyj eqk esa fu;kZra esa 3-58% dh fxjkoV jgh A
uoEcj 2009 ls Hkkjr ds vk;kra esa Hkh lq/kkj fn[kk nsuk vkjaHk g x;k vkSj ;g foRrh; okZ ds var rd 13]56]469 djM+ :i;s
ij vk x, tcfd okZ 2008&09 esa ;s 13]74]436 djM+ :i;s ds Fks A

t chek {ks = %
okZ 2007&08 esa chek fuf/k 1]35]791 djM+ :i;s Fkh t c<+dj okZ 2008&09 esa 1]44]009 djM+ :i;s g x ftlesa orZeku
ewY;a ij 6-05% dh o`f/n fn[kk nh A thou chek fuf/k esa okZ 2007&08 ds 1]31]549 djM+ :i;s dh rqyuk esa okZ 2008&09
esa 6-24% o`f/n gdj og 1]39]764 djM+ :i;s g x;hA lexz foRrh; cpr esa thou chek fuf/k dk fgLlk okZ 2007&08 ds
18-12% ls c<+dj okZ 2008&09 esa 18-71% g x;k A rFkkfi] QSDVj ykxr ij ldy ?kjsyw mRikn dh frkrrk ds :i esa
thou chek fuf/k okZ 2007&08 esa 2-90% ls ?kVdj okZ 2008&09 esa 2-67% jg x;h A
okZ 2009&10 esa lewg chek O;kikj lfgr dqy thou chek dk Fke okZ hfe;e 25-47% ls c<+dj 1]09]290-37 djM+ :i;s
g x;k A Hkkjrh; thou chek fuxe dk Fke hfe;e 33-87% ls c<+k A rFkkfi vU; lHkh futh chek daifu;a ds Fke okZ
hfe;e esa dqy feykdj 12-43% dh ekewyh o`f/n gqA futh chek O;olk; ds Fke hfe;e esa 17-73% dh o`f/n gq rFkkfi
ikfyfl;a esa 4-51% dh ekewyh o`f/n jgh A nwljh vksj lewg Fke okZ chek ds hfe;e esa o`f/n 55-81% jgh A
okZ 2009&10 esa Hkkjrh; thou chek fuxe dk Fke hfe;e vk; ds vk/kkj ij cktkj fgLlk okZ 2008&09 ds 60-79% dh
rqyuk esa 64-86% gqvk] tcfd ikfyfl;a esa fgLlk 70-52% ls c<+dj 73-02% g x;k A
4

thou chek O;olk; ij lefV vkfFkZd ifjosk dk Hkko %

okZ 2009&10 d vkfFkZd leRFkku ds #i esa ns[kk x;k vkSj 2009 dh pFkh frekgh esa oSfod vFkZ O;oLFkk dh fodkl nj us xfr
idMhA Hkkjrh; vFkZ O;oLFkk esa okZ 2009&10 ds njku 7-2% dh o`f/n ntZ dh x vkSj vkS|fxd {ks= ds lkDr iqu#RFkku lfgr
vf/kdkak nska dh rqyuk esa Hkkjrh; vFkZ O;oLFkk us rst xfr ls lq/kkj d nkkZ;k gSA
Hkkjrh; fjtoZ cSadus viuh okfkZd uhfr esa jsi nj esa ,y , ,Q ds v/khu 5-0% ls 4-75% ;kuh 25 csfll IokbaV ds deh dh ?kk.kk
dhA fjolZ jsi nj esa Hkh 3-5% ls 3-25% ;kuh 25 csfll IokbaV dh deh dh ?kk.kk dh xA Qjojh 2010 esa lh- vkj- vkj- d n
pj.ka esa 5-0% ls 5-75% rd c<k;k x;kA eqkLQhfr ls fuiVus ds mik; ds rj ij Hkkjrh; fjtoZ cSda us 19 ekpZ 2010 d jsi
nj 4-75% ls 5-00% vkSj fjolZ jsi d 3-25% ls c<kdj 3-50% dj fn;kA
khkZd Fkdfch ewY; lwpdkad eqkLQhfr flracj 2009 dh 0-5% ls c<dj ekpZ 2010 esa 9-9% g xA [kk|srj fufeZr mRikn
Fkdfch ewY; lwpdkad eqkLQhfr us ekeqyh c<r ntZ djrs gq, 0-7% dk vkdMk nkkZ;kA rRipkr mYys[kuh; o`f/n ds lkFk
tuojh 2010 esa 3-3% g x;k rFkk ekpZ 2010 dh lekfIr rd 4-7% g x;kA
ljdkj }kjk ?kfkr _.k dk;Ze esa vis{kkr o`f/n ds dkj.k fnukafdr ljdkjh frHkwfr;a ij okfkZd frQy T;knk ntZ fd;k x;kA
10 okhZ; ljdkjh frHkwfr ij frQy ekpZ 2009 dh 7-01% dh rqyuk esa ekpZ 2010 dh lekfIr rd c<+dj 7-82% ntZ dh x;hA
7

53

5 dk;Z ifj.kke %
I

uo O;olk; %
d O;fDrxr chek %
O;fDrxr chek iVZQfy; ds vUrxZr 3 okksZa dk uo O;olk; lkj.kh la-1, esa fn;k x;k gS A
[k

lkekU; okfkZ d h %
lkekU; okfkZdh iVZQfy; ds vUrxZr 3 okksZa dk uo O;olk; lkj.kh la-1, esa fn;k x;k gS A

is U ku %
isUku iVZQfy; ds vUrxZr 3 okksZa dk uo O;olk; lkj.kh la-1, esa fn;k x;k gS A

?k

;wfuV fyad O;olk; %

;wfuV fyad O;olk; ds vUrxZr 3 okksaZ dk uo O;olk; lkj.kh la-1, esa fn;k x;k gS A

lewg chek O;olk; %

lewg chek ;wfuV la;Dq r O;olk; lfgr ;tukvksa ds vUrxZr 3 okksaZ ds njku fd;k x;k uo O;olk; lkj.kh -1ch esa
fn;k x;k gS A

lkekftd lq j {kk ;tuk,a %

tuJh chek ;tuk ds ek/;e ls 45 vuqefnr O;olk;a ds varxZr 5190 ;tukvksa ds }kjk 91-02 yk[k u;s thoua d
chek lqj{kk nku dh x;h A pkyw lkekftd lqj{kk lewg chek ;tuk ds varxZr 0-29 yk[k u;s thoua d chek lqj{kk
nku dh x;hA O;olk;kuqlkj foLr`r oxhZdj.k lkj.kh -2 esa fn;k x;k gS A
vke vkneh chek ;tuk %
xzkeh.k Hkwfeghu ifjokja ds fy, ,d u lkekftd lqj{kk ;tuk ^vke vkneh chek ;tuk* dk kqHkkjaHk 2 vDrwcj]
2007 d rRdkyhu ekuuh; foRr ea=h ds djdeya }kjk fkeyk esa fd;k x;k A xzkeh.k Hkwfeghu ifjokj ds dqVqca eq[k
vFkok dqVcaq ds dekusokys ,d lnL; d] ;tuk ds varxZr laj{k.k nku fd;k tkrk gS A fr O;fDr ` 200@& ds
okfkZd hfe;e d dsUh; ljdkj rFkk jkT; ljdkj }kjk leku :i esa lk>k fd;k tkrk gS A ;tuk ds varxZr]
dqVcaq eq[k vFkok dqVaqc ds dekusokys ,d lnL;] ftldh vk;q 18 ls 59 okZ ds chp gS] d ` 30]000@& dh jkfk
ds fy, laj{k.k nku fd;k tkrk gS A nq?kZVuk ds dkj.k e`R;q vFkok lai.w kZ fodykaxrk blesa 2 vka[ks@
a 2vo;oa dh
gkfu dk lekosk gS ds ekeys esa ` 75]000@& dh jkfk rFkk nq?kZVuk ds dkj.k vkafkd LFkk;h fodykaxrk 1 vka[k
@1vo;o dh gkfu ds ekeys esa ` 37]500@& dh jkfk ukfer O;fDr@fgrkf/kdkjh d ns; gS A 31-03-2010 d]
xzkeh.k Hkwfeghu ifjokja ds 1]30]45]666 dqVaqceq[ka d ;tuk ds varxZr laj{k.k nku fd;k x;k A
;tuk ds varxZr] ^vke vkneh chek ;tuk* ds lnL;a ds cPpa ds fy,] ,d eqr tM+&ykHk nku fd;k tkrk gSA
IX ls XII oha d{kk ds e/; i<+uos kys vf/kdre n cPpa d ` 100@& frekg dh nj ls Nk=of`Rr nku dh tkrh
gS] t R;sd okZ 1 tqyk rFkk 1 tuojh d v/kZokfkZd rj ij ns; gS A foRrh; okZ 2009&10 ds njku 86]905
cPpa d ` 4-15 djM+ jkfk dh Nk=of`Rr;ka laforfjr dh xa A

Fke chek %
fuxe dh uhfr;a ds rgr vf/kd ls vf/kd yxa d chek lqj{kk nku djus ds ifjs{; esa ,sls yxa ij T;knk /;ku
fn;k x;k gS ftudk iwoZ esa d Hkh chek ugha gS A foRrh; okZ 2009&10 esa 340-28 yk[k O;fDr;a dk igyh ckj chek
djk;k x;k] ftudh dqy chek jkfk ` 382026-21 djM+ Fkh tcfd blds igys okZ esa ` 325-84 yk[k ifyfl;ksa ds
varxZr dqy chek jkfk ` 360937-07 djM+ Fkh A dqy chek ds vuqikr esa Fke chek dk vuqikr ifylh uacj esa
87-61% rFkk chek jkfk esa 89-25% gS A

>

xz k eh.k chek %
thou chek dk lans k xzkeh.k {ks=] fokskr% fiNM+s ,oa nwjLFk {ks=a esa lkfjr djus gsrq fujarj ,oa lpsr ;kl fd;s
tk jgs gSa A blds ifj.kke Lo:i bu {ks=a esa uo O;olk; esa yxkrkj o`f) g jgh gS A
vkvkjMh, dh vuqefnr xzkeh.k@lkekftd {ks= dh ifjHkkkk ds varxZr] foRrh; okZ 2009&10 ds vuqlkj xzkeh.k {ks=
ls ` 78895-11 dk O;olk; fd;k x;k ftlds varxZr 1]02]49]643 ifyfl;ka tkjh dh x;ha] t ikfyfl;a ,oa chek
jkfk ds fgLls d ek% 26-39% ,oa 18-43% nkkZrk gS A

53

II fofHkUu Jsf.k;a esa pkyw O;olk; %

d O;fDrxr chek %
O;fDrxr chek iVZQfy; ds varxZr pkyw O;olk; lkj.kh la-3, esa fn;s x;s fiNys okksZa ds fooj.k vuqlkj ,d LFkk;h
o`f/n nkkZrk gS A
[k

lkekU; okfkZ d h %
lkekU; okfkZdh iVZQfy; ds varxZr fiNys rhu okksZa dk pkyw O;olk; lkj.kh la-3, esa fn;k x;k gS A

is U ku %
isUku iVZQfy; ds varxZr fiNys rhu okksZa dk pkyw O;olk; lkj.kh la-3, esa fn;k x;k gS A

?k

;wfuV fyad O;olk; %

;wfuV fyad O;olk; iVZQfy; ds varxZr fiNys 3 okksaZ dk pkyw O;olk; lkj.kh la-3, esa fn;k x;k gSA

lewg chek O;olk; %

;wfuV fyad O;olk; lfgr lewg chek iVZQfy; ds varxZr fiNys rhu okksZa dk pkyw O;olk; lkj.kh la-3ch esa fn;k
x;k gS A

6 iwath epu rFkk fufpr okfkZdh O;olk; %

31 ekpZ] 2010 rd 2593 fufpr o`fRr ikfyfl;ka pkyw Fkha ftlesa okfkZd o`fRr dh jkfk ` 875-18 yk[k gS A ` 30940-50 yk[k ds
chek/ku ds fy, 17766 iwta h epu ikfyfl;ka pkyw Fkha A

7 ikfyfl;a ds lkafof/kd fooj.k %

chek vf/kfu;e] 1938 ds varxZr fn;s x;s i= ^MhMh* ds vuqlkj fooj.k lkj.kh la-4 esa lfEefyr fd, x, gSa A

8 laxButU; <kapk %
Hkkjr esa fLFkr dk;kZy; %
31 ekpZ] 2010 d eqac] fnYyh] dydkrk] psUu] gSnjkckn] dkuiqj] Hkiky rFkk iVuk fLFkr 8 {ks=h; dk;kZy; gSaA 109 e.My
dk;kZy; rFkk 2048 kk[kk dk;kZy; rFkk 1004 lSVys kV dk;kZy; gSaA
e.My dk;kZy; xfrfof/k;a d ekfuVj ,oa fu;af=r djrs gSa A kk[kk dk;kZy; O;olk; kIr djrs gSa vkSj lHkh xzkgd bUVjQsl
VSU>WDkUl ds fy, mRrjnk;h grs gSa A lSVys kV dk;kZy; Hkh O;olk; kIr djrs gSa rFkk vko;d kh?kz xzkgd lsok ds fy, mRrjnk;h
grs gSa A

9 thou fuf/k] vf/kksk rFkk nRr dj %

thou fuf/k] ewY; fu/kkZj.k vf/kksk rFkk dsU ljdkj dks iznRr 5% fgLls esa gj okZ l?kurkiwoZd o`f/n g jgh gS A okZ 2007&08]
2008&09 rFkk 2009&10 ls lacfa /kr vkadM+s lkj.kh la-5 esa fn, x, gSa A

1 0 fuxfer lkekftd mkjnkf;Ro %

I
lewg ;tuk,a ,oa lkekftd lqj{kk %
lkekftd lqj{kk ;tukvksa ds varxZr ` 252-71 djM+ jkfk ds 94464 nkoa dk Hkqxrku fd;k x;k %
okZ 2009&10 ds njku] lkekftd lqj{kk ;tuk ds varxZr fd, x, nkoa ds Hkqxrku dk fooj.k fuEukuqlkj gS %
eespevee
peveeer yeercee eespevee
mJeCe&peebefle ieece
mJejespeieej eespevee
meeceeefpeke megj#ee
mecetn yeercee eespevee
ke=ef<e eefceke meeceeefpeke
megj#ee eespevee
iebYeerj yeerceejer jeF&[j
Deece Deeoceer yeercee
eespevee

Yegieleeve efkeS ieS oeJeeW keer mebKee

vewmee|ieke
ogIe&veepeve

kegue

jeefMe npeejeW ceW

vewmee|ieke
ogIe&veepeve

kegue

39800
324

1384
2

41184
326

1236821
2476

96256
11

1333077
2487

13593

750

14343

66615

19557

86172

80

85

1820

190

2010

33
36227

2266

33
38493

720
1086000

16715

720
1102715

90057

4407

94464

2394452

132729

2527181

53

okZ 2009&10 ds njku 912281 fo|kfFkZ;a d] dqy ` 88-90 djM+ dh jkfk ykHk ij eqr tM+ ds :i esa tuJh chek
;tuk ds varxZr fk{kk lg;x ;tuk ds lnL;a ds cPpa d laforfjr dh x;h A

[k

okZ 2009&10 ds njku 83569 fo|kfFkZ;a d ` 4-15 djM+ dh jkfk ykHk ij eqr tM+ ds :i esa vke vkneh chek
;tuk fk{kk lg;x ;tuk ds lnL;a ds cPpa d forfjr dh x;h A
lkekftd lqj{kk dop %
lkekftd lqj{kk ;tukvksa ds varxZr 2-40 djM+ thoua d chek dop nku fd;k x;k A

II

lkekftd {ks= esa fuosk %

31 ekpZ] 2010 d fuxe ds dqy fuosk ` 10]95]841-34 djM+ jkfk ds Fks A fnukad 31 ekpZ] 2010 rd fuxe ds iwta h
fuosk dk foLr`r oxhZdj.k lkj.kh 6 esa fn;k x;k gS A
okZ 2009&10 ds njku fuxe us Hkkjr ljdkj dh frHkwfr;a dh u;s fuxZe vkSj fofHkUu jkT; ljdkja }kjk tkjh fd,
x, _.k fuxZea esa ek% ` 52]166-71 djM+ vafdr ewY; vkSj ` 31]883-20 djM+ vafdr ewY; dh jkfk dh jkfk
dk vfHknku fd;k A
vf/kdkf/kd yxa d lqj{kk nku djuk ,oa ladfyr cpra d tudY;k.k ds dk;Z esa yxkuk fuxe dk fujarj ;kl
jgk gS A
bl y{; dh kfIr ds fy, fuxe fuEufyf[kr vk/kkfjr lajpuk vkSj lektUeq[kh fuoska ds ek/;e ls lekt dY;k.k
dk;Z dj jgk gS A

fctyh mRiknu vkSj lapkj.k dh ifj;tuk,a @ ;tuk,a

vkokl {ks=

tyiwfrZ vkSj eyfu%lkj.k {ks= @ ;tuk,a

lM+d] iwy vkSj lM+d ifjogu dk fodkl

okZ 2009&10 ds njku ij ds {ks=a esa fuosk dh dqy jkfk tek ` 20]808-74 djM+ gS og lkj.kh 7 esa nh x gSA dsUh;] jkT;
,oa vU; ljdkjh xkjaVh;qDr foi.ku ;X; frHkwfr;a vkSj vk/kkfjr lajpuk rFkk lektUeq[kh {ks=a d lkekU; ks;j] _.k vkSj
_.ki= ds #i esa dqy fuosk ` 6]49]808-00 djM+ gS A
III

th-ch-fu-Lo.kZ t ;a f r Qka M s ku %
^fuxfer lkekftd mRrjnkf;Ro* ds v/khu rFkk okZ 2006 esa thou chek fuxe ds Lo.kZt;afr mRlo d eukus ds fy,
^th-ch-fu-Lo.kZt;afr QkaMs ku* VLV dh LFkkiuk] fk{kk] vkjX; ds pkj] xjhch vFkok nq%[k ls eqfDr ds ms; ls rFkk
lkekU; turk ds mi;x ds vU; ifj;tuk esa vH;qn; ds ms; ls dh x;h A 31-03-2010 d thou chek fuxe us
^th-ch-fu-Lo.kZt;afr QkaMs ku VLV* d ` 80 djM+ ds diZl dh vkiwfrZ dh vkSj vftZr C;kt d fofHkUu ijidkjh
;tua ds fy, nku fd;k A
31-03-2010 rd] th-ch-fu-Lo.kZt;afr QkaMs ku VLV us 112 ifj;tukvksa ds fy, yxHkx 10-22 djM+ :i;s rd dh
lgk;rk nku dh A
2008 ls] VLV dh ^th-ch-fu-Lo.kZt;afr Nk=o`fRr ;tuk* ds varxZr] lekt ds vkfFkZd n`fV ls detj oxZ ds xq.koku
fo|kfFkZ;a d ` 10]000@& fr okZ dh nj ls Nk=o`fk;ka nh tkrh gSa] ftlls os viuh mPp fk{kk ys ldsa A okZ
2008&09 ,oa 2009&10 ds njku] ek% 802 vkSj 881 fo|kfFkZ;a d Nk=o`fk;ka nh xa A

11

foi.ku xfrfof/k;ka %
d

2009&10 ds njku pSuya ds vuqlkj O;fDrxr uo O;olk; dk fooj.k

w>eue
heejbheeefjke
yeQefkebie SJeb Jewkeequheke ceeOece
hecegKe peerJeve yeercee meueenkeej eespevee
met#ce yeercee
kegue Jeefeiele heLece heerefceece

10

heeefueefmeeeW keer
mebKee (ueeKe ceW)
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39227.49

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[k mRikn fodkl%
frLi/khZ cktkj esa ;g cgqr t:jh g tkrk gS fd ge vius xzkgda dh t:jra d /;ku esa j[krs gq, chek mRikn nsa A blfy;s
,yvklh da dkj ds mRikn eqgS;k djrk gS rkfd lekt ds fofHkUu oxksZa dh vko;drk,a iwjh g ldsa A foRrh; okZ
2009&2010 ds var esa fuxe ds ikl 54 Iyku fch ds fy;s miyC/k Fks A
okZ ds njku fuxe us 5 u;s Iyku % thou lkFkh Iyl] thou eaxy] gsYFk VsDku Iyl] thou fup; vkSj osYFk Iyl cktkj
esa yk, A buesa ls n thou fup; ,oa osYFk Iyl lhfer vof/k ds Iyku Fks A
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QhYM dkfeZ d fk{k.k ,Q-ih-Vh- dkiks Z j s V fk{k.k dk;Z e %

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fk{k.k laLFkkua dh enn ls fk{k.k fn;k x;k A ;g ,lVhlh vkSj tsMVhlh esa ;kla ds vfrfjDr Fkk A bldk fooj.k bl
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mRV nkZu djusokyh fch Vhesa cukuk] mudk usrR` o vkSj cU/ku djuk
,MCY;wvk ek.ki= ds fy, foRr fofu;tu dk;Ze
ladk; ,oa ch,e ds fy, foRr fofu;tu esa fk{kd d fk{k.k
&Lrko
lfVfQdsV bu ,tsUlh yhMjfki lh,,y dk;Ze
,tsVa a ds fy, iLV fjqVesVa vksfj,aVs ku Vfs uax V xSj Dyc lnL; iSuyc/n ,tsfUl;ka vkj,uvk,l] lhvk,l
vkSj lsokfuo`Rr ladk; vkfn

fk{k.k ns u s o kyh ,ts f Ul;ka %

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pkVZMZ bU;jsUl bULfVV~;Vw vkWQ baXySMa lhvkvk
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cSads;jsUl ,oa oSdfYid forj.k .kkyh %

cSda s ;jUl ,oa oSdfYid forj.k .kkyh }kjk geus 7]53]654 ikfyfl;ka rFkk ` 1132-92 djM+ dh -h-vk; iw.kZ djrs
gq,] -h-vk; esa 5-23% o`f/n nj d vafdr fd;k gS vkSj bl rjg ls dqy O;olk; esa gekjk ;xnku ikfylh esa 1-94%
vkSj -h-vk; esa 2-64% jgk A
dqy oSdfYid forj.k .kkyh }kjk iw.kZ fd;s x;s uo O;olk; esa ikfylh rFkk -h-vk; esa ek% 64-91% rFkk
80-82% dk ;xnku cSda a us fn;k A fuxfer vfHkdrkZvksa dk ikfylh vk/kkfjr dk;Zfuiknu mRV jgk A mUgaus dqy
oSdfYid ek/;e ikfyfl;a ds 33-62% vFkkZRk~ 2]53]371 ikfyfl;ka ,oa ` 174-17 djM+ dh -h-vk; d iw.kZ dj fy;k
gS A nykya czdlZ dk ;xnku ikfylh esa 1-47% vkSj -h-vk; esa 3-81% jgk A chek cSda dh ladYiuk ls uo
O;olk; d vPNh rjg ls c<+kok feyk vkSj xr okZ dh 1526 kk[kkvksa dh rqyuk esa 1804 cSda d chek cSda ?kfkr
fd;k x;k A
thou chek d xzkeh.k {ks= esa vf/kd Hkkoh cukus ds fy;s {ks=h; xzkeh.k cSda a d vfHkr rFkk muds lkFk jsQjy
cU/k fd;k x;k gS A fnukad 31-03-2010 rd 67 cSad ls jsQjy Hkkxhnkjh dh gS ftuesa 11 xzkeh.k {ks= ds cSad gSa A
geus vkfFkZd lsok dk;Zdkfj;a ,Q-,l-- dh fu;qfDr Hkh dh gS] t cSda a ds xzkgd vk/kkj dk leqi;x djsxa s A blh
;kl esa 31-03-2010 d 1099 vkfFkZd lsok dk;Zdkjh ,Q-,l-- dk;Zjr Fks A

M~

lw{e chek %
Hkkjrh; thou chek fuxe us ,d foksk ek/;e ds }kjk [kkl rj ls de lqfo/kk kIr oxZ d lqj{kk nku djus gsrq
thou e/kqj ;tuk dk flrEcj 2006 es kjaHk fd;k Fkk A bl fokh; okZ 2009&2010 esa fnukad 03-09-2009 d
geus viuh nwljh lw{e chek ;tuk thou eaxy tfd ,d lkof/k chek ;tuk gS] dk kqHkkjEHk fd;k A bl okZ
geus 28-80% dh o`f) nj ds lkFk 1985145 ikfyfl;ka ,oa ` 36-16 djM+ Fke heh;e vk; dk O;olk; fd;k gS A
3 lky ds vfLrRo ds njku lw{e chek ds varxZr] Hkkjrh; thou chek fuxe us vc rd 45 yk[k yxa d chek
lqj{kk nku dh gS A
bu ikfyfl;a dk fo; ,d vyx forj.k .kkyh] lw{e chek vfHkdrkZ] ds }kjk fd;k x;k gS] ftlesa vkkldh;
laLFkku] Lo;algk;rk ny] lw{e fokh; laLFkk,a] ykHk jfgr lewg] fuxfer vfHkdrkZ] czdlZ] ,oa ykHk jfgr llk;Vh]
daiuh ,DV dh /kkjk 25 ds varxZr iathr daifu;ka rFkk cSda ,oa ljdkjh ,tsUlh ds O;olk; lykgdkja dk lekosk
gS A lw{e chek foHkkx ds ikl 31-03-2010 rd lw{e chek vfHkdrkZvksa dh dqy la[;k 7906 gS] ftlds varxZr geus
53847 fofkV O;fDr;a d foksk #i ls fkf{kr fd;k gS A

12

LokLF; chek %
LokLF; chek O;olk; ds lEHkkfor {ks= d y{; djus rFkk LokLF; chek mRikna vkSj lsokvksa d fodflr djus gsrq
Hkkjrh; thou chek fuxe us okZ 2007&08 esa ,d u;s gsYFk bU;jsUl fMoht+u d kjEHk fd;k A Fke mRikn ^gsYFk

53

Iyl* Qjojh 2008 esa rFkk f}rh; mRikn ^gsYFk VsDku Iyl* vSy 2009 esa yk;k x;k A nua mRikn ;wfuV fyaDM
gsYFk ba;jsla ikfylh gSa tfd 49 fu/kkZfjr ltZjh gsrq fpfdRlky; esa HkrhZ rFkk cM+s vkijsku Hospitalisation
& Major Surgery dh lqfo/kk nku djrs gSa A LFkk;h fpfdRlk Domiciliary treatment gsrq Iyku ds varxZr
jkfk d fudkyus dh Hkh lqfo/kk gS A
chek fu;ked ,oa fodkl kf/kdj.k ds funZs ka dk ikyu djrs gq,] gsYFk Iyl fnukad 01-01-2010 ls cUn dj nh x;hA
okZ 2009&10 ds njku dqy 94135 csph x;h gsYFk bU;jsUl ikfyfl;a ds varxZr hfe;e vk; ` 85-95 djM+ Fkh A
N

R;{k foi.ku %
foRrh; okZ 2009&10 es]a fuxe us R;{k foi.ku dh u igy dh A
O;kolkf;d mRiknu gsrq u .kkfy;a ds fuekZ.k] fo; .kkyh ds ekfuVfjax rFkk v;qDr cktkja rd igqapus ds
ms; ls O;kolkf;d dk;Zokgh vkSj xzkgda d csgrj ; vuqHko nku djus ds ms; ls bl ek/;e dk kjaHk fd;k
x;k A
8 eghua dh vYikof/k es]a pSuy dk foLrkj gqvk gS vkSj laHkkfor xzkgda d foRrh; lykg nku djus ds fy, 542
O;kolkf;d :i ls fkf{kr R;{k foi.ku cU/kda ds lkFk 21 dsUa esa fo|eku gSa A
okZ 2009&10 ds njku] pSuy dk Qdl ;tukvksa rFkk .kkfy;a d LFkkfir djuk Fkk A laHkkfor xzkgda d ikfylh
[kjhnus ds fy, Hkkjrh; thou chek fuxe rd igqapus esa lqxerk nku djus gsrq yhM eSuts esVa .kkyh frfBr dh
x gS A gekjh osclkV www.licindia.in ls xzfgr ,sls yhM~l lqfkf{kr R;{k foi.ku cU/kda d okLrfod
le; vk/kkj ij gLrkarfjr fd, tkrs gS]a t xzkgd ls rRdky laidZ dj ldrs gSa A
pSuy us 8887 ikfyfl;a ds varxZr] fr ikfylh `28]759@& dk vkSlr Fke hfe;e nsrs gq,] 25-55 djM+ :i;a
dk uo O;olk; vftZr fd;k A

12

vfHkdrkZ %
d

vfHkdrkZvksa dh la[;k %
gekjs dqy vfHkdrkZvksa dh la[;k 31-03-2010 d 14]02]807 gS tfd xr okZ 2009 esa 13]44]856 Fkh A fuxe ds xr okZ
ds lf; vfHkdrkZvksa dh la[;k 12]75]611 Fkh] ftldh rqyuk esa bl okZ 31-03-2010 d lf; vfHkdrkZvksa dh la[;k
13]40]067 gS A

[k

vfHkdrkZ Dyc lnL;rk %

mPp Lrj dk dk;Z djusokys vfHkdrkZvksa d mRlkfgr djus rFkk ekU;rk nku djus gsrq lnL;rk okZ 2004&2005 ls
,d hfe;e Dyc dk fuekZ.k fd;k x;k gS] ftldk uke ^dkiksjZ Vs Dyc* j[kk x;k gS A
okksZa ls yxkrkj miyfC/k dj jgs vfHkdrkZvksa d ekU;rk nsus ds fy, cuk;s x;s vU; 5 Dyc tSls] v/;{kh;] {ks=h;
ca/kd] e.My ca/kd] kk[kk ca/kd ,oa fofkV vfHkdrkZ Dyc dh lnL;rk esa Hkh fiNys 4&5 okksZa esa o`f) gq gS A
Dyc lnL; dqN fokskkf/kdkja dk ykHk mBkrs gSa rFkk dqN nLrkosta ds lR;kiu vkfn dk vf/kdkj j[krs gSa A fofHkUu
Dyca dh lnL;rk dk fooj.k v/kfyf[kr rkfydk esa fn;k x;k gS A

fofHkUu vfHkdrkZ Dyca dh lnL; la[;k

Dyc ds uke
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2009-10

2008-09

2007-08

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25693

21941

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20225

17792

40694

35367

30609

72743

62558

56910

38672

49204

47634

208810

193133

174963

13

53

o` f Rrd vfHkdrkZ ;tuk %

fuxe esa vfHkdrkZ cy ds O;olk;hdj.k dk fodkl djkus gsrq kgjh o`fRrd vfHkdrkZ vkSj xzkeh.k o`fRrd vfHkdrkZ ;tuk
gS A O;olk; esa fLFkjrk kIr djkus esa dSfjvj dh kq:vkr esa mUgsa o`fRrdk nh tkrh gS A 31 ekpZ 2010 d fuxe esa 15530
kgjh o`fRrd vfHkdrkZ vkSj 21241 xzkeh.k dSfjvj vfHkdrkZ gSa A

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eq[; thou chek lykgdkj ;tuk] 2008 %

fuxe us laxBukRed o`f/n gsrq fo|eku mPpLrj dk dk;Z djusokys vfHkdrkZvksa dh {kerkvksa d mi;x esa ykrs gq,
vf/kdkf/kd vfHkdrkZvksa ds }kjk cktkj esa vius egRo d o`f/naxr djus ds ms; ls fnukad 12-04-2008 d mDr ;tuk
dk vkjaHk fd;k A fuxe us ;tuk ds f}rh; okZ esa fnukad 31-03-2010 rd 24]105 f;kkhy eq[; thou chek lykg~dkja
20%o`f/n ds i;Zos{k.k esa jgs 1]37]411 lwphc/n vfHkdrkZvksa 40% o`f/n ds lg;x ls 20]90]802 ikfyfl;a 90% o`f/n
ds lkFk 2563-88 133% o`f/n djM+ #i;a ds Fke feh;e dk mRiknu fd;k A

kf/kr vfHkdrkZ %
hfe;e Hkqxrku ,oa lsok esa vf/kd lqfo/kkvksa ds fy, xzkg~da dh c<+rh gq vis{kkvksa ds vuq#i] hfe;e iaVl ds tfj,
uohdj.k hfe;e dh olwyh djus gsr]q fuxe us pqfuUnk vfHkdrkZvksa d kf/kr fd;k gSA 31-03-2009 ds 2590 dh rqyuk
esa 31-03-2010 d nskHkj esa ,sls hfe;e iaVl dh la[+;k c<+dj 10980 gq A bu kf/kr vfHkdrkZvksa }kjk 55-16
djM+ #i;a ds uohdj.k hfe;e dh olwyh dh x] ftUgaus Hkkjrh; thou chek fuxe ds xzkg~da d 1-43 djM+ uohdj.k
hfe;e jlhnsa tkjh dha A

1 3 fonskh pkyu %

14

fons kh ifjpkyu%
fuxe viuk chek O;olk; fQth lqok ,oa yVqdk rFkk ejhkl iVZ yq vkSj ;w-ds-osECys fLFkr kk[kkvksa Onkjk dj jgk
gSA okZ 2009&10 ds njku fuxe dh bu rhu fonskh kk[kkvksa us dqy feykdj 12]162 ikfyfl;ka tkjh dha] ftudh Fke
hfe;e vk; 30-41 djM+ #i;s Fkh A

[k

fjslsaVsfVo dk;kZy; %
ge flaxkiqj esa ,d Ogyh vksUM~ lcflMhvjh LFkkfir djus tk jgs gSa A frfu/kh dk;kZy; }kjk ekdZVs vuqlU/kku dk lapkyu
lQyrkiwodZ fd;k x;k gS rFkk fofu;ked ekeya dk v/;;u fd;k x;k gS vkSj Ogyh vksUM~ lcflMhvjh kjaHk djus ds
fy, flaxkiqj ds foRrh; kf/kdkjh ds lkFk yklsal gsrq vkosnu fd;k x;k gS A

fonskh la;qDr mi daiuh%

,y vk lh ba V juS kuy ch-,l-lh-lh cgjhu%

[kkM+h nska esa dk;Zjr vfuoklh Hkkjrh;a ds thou chek dh vko;drk dh iwfrZ ds fy, cgjhu esa 1989 esa LFkkfir
fuxe dh fonskh la;Dq r daiuh vejhdh Mkyj esa ikfyfl;ka tkjh djrh gS A daiuh cgjhu] lnh vjsfc;k] dqoSr
vkSj ;w-,-- esa eq[k ,tsUVa ds ek/;e ls rFkk drkj esa czdja ds ek/;e ls ,oa vkseku esa kk[kk ds ek/;e ls dke
dj jgh gS A viuh O;olk; lkj f;k ds varxZr] daiuh us FkkySMa ds ,d LFkkuh; daiuh ds lkFk czdjfki
le>rk fd;k gS A 31 fnlEcj 2009 d lekIr okZ esa daiuh us 134-21 djM+ #i;s dh Fke hfe;e vk; dk
O;olk; 10]362 ikfyfl;a ds varxZr iwjk fd;k A

,y vk lhus i ky fyfeVs M %
3 fnlEcj 2001 d Hkkjrh; thou chek fuxe us usiky ds vxz.kh vkS|fxd lewg fokky xziw vkWQ daiuht ds
lkFk la;qDr m|e ,yvklh usiky kjaHk fd;k A bl daiuh us 15 tqyk 2009 d lekIr okZ esa 52]891
ikfyfl;a ij 20-63 djM+ :i;s dh Fke hfe;e vk; dk O;olk; iw.kZ fd;k A

,y vk lhyadk fyfeVsM%
fuxe dh lg;x daiuh ,yvklh yadk fyfeVsM] Hkkjrh; thou chek fuxe rFkk ckVZyhV VkUldSfiVy fyfeVsM
ds la;qDr m|e ls Jhyadk esa fnukad 1 ekpZ 2003 d kq: gq Fkh A okZ 2009 esa daiuh us 4291 ikfyfl;a ij
1-73 djM+ :i;s dh Fke hfe;e vk; vftZr dh A

ds u bfUM;k ,;a jUl daiuh fyfeVsM%

6 fnlEcj 1978 d Hkkjrh; thou chek daiuh ,oa dsu bfUM;k ,;ajUl daiuh fyfeVsM Onkjk la;Dq r chek m|e
kajHk fd;k A dsu bfUM;k daiuh thou vkSj lk/kkj.k chek nua ds O;kikj esa dk;Zjr gS A dSy.s Mj okZ 2009 ds
njku daiuh us 2]543 ikfyfl;a ij 19-64 djM+ dh Fke okZ thou chek hfe;e jkfk dh kfIr dh A

53

lnh baf M;u dai uh Qj dvkW i js f Vo bU;js U l%

lnh bafM;u daiuh Qj d&vkWijsfVo bU;jsUl ,l-vk-lh-lh-vk-] Hkkjrh; thou chek fuxe] ,yvklh
varjZkVh; ch-,l-lh-lh] cgjhu] U;w bfUM;k ,;ajUl daiuh fyfeVsM] vy&gdSj xzqi ,oa lnh vjsfc;k ds
yxa ds chp ,d la;qDr m|e gS] tgk Hkkjrh; thou chek fuxe vkSj ,yvklh varjZkVh; cgjhu nua dk
10-2% ks;j gSA daiuh us thou chek O;kikj d tuojh 2009 esa kq# fd;k gS A dSys.Mj okZ 2009 ds njku
daiuh us 545 ikfyfl;a ij 1-31 djM+ dh Fke okZ thou chek hfe;e jkfk dh kfIr dhA

1 4 fofo/k xfrfof/k;ka %
d ,yvklh gkfla x QkbukUl fyfeVs M %
,yvklh gkflax Qk;ukUl ds eqca esa fLFkr dkjijsV vkWfQl ds lkFk nskHkj esa 6 {ks=h; dk;kZy;] 13 cWd dk;kZy; ] 158
foi.ku dsU vkSj 3 xzkgd lsok dsU gSa A daiuh ds frfuf/k dk;kZy; nqc rFkk dqors esa Hkh gSa A daiuh ds ks;lZ eqca LVd
,Dlpsta vkSj uSkuy LVd ,Dlpsat esa fyLVsM gSa rFkk blds Xycy fMikftVjh ks;lZ yDlecxZ LVd ,Dlpsat esa fyLVsM gSAa
ffly }kjk daiuh d ^AAA* Js.kh esa j[kk x;k gS A daiuh ds fQDLM fMikftV xzke d ffly us mPpre ekun.M
FAAA Js.kh esa j[kk gS A okZ 2009&10 ds njku daiuh us QIP ds 1 djM+ bfDoVh ks;lZ ds ek/;e ls ` 658 djM+
,df=r djus esa lQyrk kIr dh A
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2009-10 mJeerke=le $e+Ce jeefMe - ` 18043 kejes[
2009-10 Yegieleeve $e+Ce jeefMe - ` 14853 kejes[
2009-10 MegOo ueeYe - ` 662.18 kejes[
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,yvklh ds ; j gEl fyfeVsM %

,slk dgk tkrk gS fd ^leku xq.k okys ,d lkFk jgrs gS*a vkSj ;fn vki ,y-vk-lh- dh N=Nk;k esa viuk thou O;rhr djrs
gSa r thou lq[ke; gxk rFkk vkid /kjrh ij gh LoxZ tSlk rhr gxk A
ofjB ukxfjda dh c<+rh gq tula[;k d /;ku esa j[krs gq, ,y-vk-lh- us mudks kkafriw.kZ o lq[ke; thou ;kiu djus ds
fy, frLi/kkZRed dher ij vkJ; miyC/k djkus ds lkekftd nkf;Ro dh ftEesnkjh yh gSA
caxyj esa igyh ekxZnkhZ ifj;tuk ds iw.kZ gus ds lkFk&lkFk Hkqousoj esa nwljh ifj;tuk kjEHk gusokyh gS rFkk ,y-vklh-gkflax QkukUl ds LokfeRo esa iw.kZ:is.k fu;af=r ,y-vk-lh- ds;jge ds ikl dqN vkSj ifj;tuk,a 'kh?kz vkusokyh gSa]
t c<+rs gq, ofjB ukxfjda dh vko;drkvksa d frLi/kkZRed dher ij iwjk djus esa lgk;d gaxh A
[k ,y vk; lh E;wP;qvy Q.M ,lsV eSustesaV dEiuh fy- %
,y vk; lh E;wP;qvy Q.Mus vkjaHk ls ysdj vc rd 100 ;tuk, Lrqr dh gSa A
buesa ls 73 ;tukvksa dk foepu g pqdk gS A
31-03-2009 d 27 ;tuk, pkyw voLFkk esa Fkha A
fokh; okZ 2009&10 dh lekfIr rd lHkh ;tukvksa ls ,yvklh E;qP;qvy QaM us fiNys okZ 2008&09 ds 371263-56
djM+ 3712-63 fcfy;u ds eqdkcys 1005834-55 djM+ 10058-35 fcfy;u :i;s dh fuf/k vftZr dh] tfd 170-92%
o`f/n nkkZrh gS A
cU/ku ds varxZr ifjlaifk AUM 40-84% dh o`f/n ls 31-03-2009 ds 17825 djM+ dh rqyuk esa 25105 djM+ g
xA
leh{kk okZ esa fuoskda dh la[;k 4-74 yk[k g x A
cU/ku ds varxZr ifjlaifk ds vk/kkj ij nsk esa dk;Zjr dqy 38 E;qP;qvy QaM us 31-03-2010 d 6ok LFkku gkfly
fd;k gS A
leh{kk okZ esa ,y-vk;-lh-,e-,Q us iq.ks] y[ku] enqjk ,oa nsgjknwu esa viuk {ks=h; dk;kZy; [kyk gS] ftlls dqy
{ks=h; dk;kZy;a dh la[;k 26 g x gS A
O;olk; dsUa dh la[;k c<dj 102 g x gS A
izcU/ku 'kqYd vk; 72-83 djksM+ :i;s ls c<+dj 184-23 djksM+ :i;s gks xbZ gS tks fd 152-96% dh o`f/n iznf'kZr djrh
gS A

15

53

E;wP;qvy QaM d kIr vokMZ %

fuoskda us ,y-vk;-lh-,e-,Q- dh ;tukvksa esa iwjk fookl nfkZr fd;k] ftl dkj.k leh{kk okZ esa fuEufyf[kr
Jsf.k;a esa ICRA vkWuyku iqjLdkj ls ,y-vk;-lh-,e-,Q d lEekfur fd;k x;k A
,y-vk;-lh-,e-,Q d foRrh; okZ 2009&10 dk LVkj QaM gkl MsCV ls lEekfur fd;k x;k gS A
,y-vk;-lh-,e-,Q yfVax jsV QaM d 1 okZ ds fuiknu gsrq 7 LVkj LVsVl fn;k x;k gS A
,y-vk;-lh-,e-,Q yksfVax jsV QaM d 3 okZ ds fuiknu gsrq 7 LVkj LVsVl fn;k x;k gS A
,y-vk;-lh-,e-,Q lsfoaXt Iyl QaM d 1 okZ ds fuiknu gsrq 7 LVkj LVsVl fn;k x;k gS A
,y-vk;-lh-,e-,Q-fyfDoM QaM d 1 okZ ds fuiknu gsrq 5 LVkj LVsVl fn;k x;k gS A
,y-vk;-lh-,e-,Q- bUde Iyl QaM d 1 okZ ds fuiknu gsrq 5 LVkj LVsVl fn;k x;k gS A

,Yk-vk;-lh- is a ku fuf/k fyfeVs M %

Hkkjr ljdkj us dsU ljdkj ds deZpkfj;a ds fy;s j{kk lsokvksa d NMdj u isa ku ;tuk NPS 01 tuojh 2004 ds
ipkr dsU dh lsokvksa esa vk, deZpkfj;a ds fy;s kjEHk dh A blds ckn 22 jkT;a dh ljdkjsa u isa ku ;tuk NPS
esa kkfey g x;ha A u isa ku ;tuk 1 e 2009 ls Hkkjr ds lHkh lkekU; ukxfjda ds fy;s Hkh miyC/k dh x;h gS A
Hkkjrh; thou chek fuxe ds }kjk k;ftr fuxeu %
dEiuh vf/kfu;e] 1956 ds varxZr ,d ifCyd fyfeVsM dEiuh ds :i esa 21-11-2007 d k;ftr dh x;h gSA O;olk; kjEHk
djus ds fy;s ek.k&i= egkjkV dEiuh iath;d ds }kjk 08-01-2008 d fn;k x;kA dEiuh dh vf/kr iwta h 25 djM+ :i;s
vkSj nk iwta h 15 djM+ :i;s gS A
/ku dh O;oLFkk bu y %
u isa ku ;tuk NPS VLV dsUh; ljdkjh deZpkfj;a ds isa ku Q.M dk vkoaVu 2008&09 ds 5% ls c<+kdj] 2009&2010
esa 29% dj fn;k x;k gSA jkT; ljdkja us Hkh blh freku iSVuZ dk ikyu fd;k gS A
Fke okZ ;kuh fd 01-04-2008 ls 31-03-2009 ds njfe;ku ,y-vk-lh-isa ku Q.M d dsUh; ljdkj ds deZpkfj;a dh vksj ls
` 101-61 djM+ dh /kujkfk kIr gq FkhA okZ 2009&2010 ds njfe;ku ,y-vk-lh-isa ku Q.M d dsUh; deZpkfj;a dh vksj
ls ` 538-07 djM+ ,oa jkT; ljdkja ds deZpkfj;a dh vksj ls ` 48-83 djM+ dh /kujkfk kIr gq A blfy, 31-03-2010
dh dqy ifjlaifk;k ` 688-51 djM+ gSa A
fuos k nkZ u %
,y-vk-lh-isku Q.M fy- dk fuosk iVZQfy; _.kUeqd gS A 85 % rd fuosk _.kUeqd gSA 15% rd bfDoVh@;k
bfDoVh lEcU/kh ^eqP;qvy Q.M* ;tukvksa ds fy;s ,oa 5% rd eqk cktkj ds fy;s gS A
dsU ljdkj ;tuk dk 31-03-2010 d kq/n ifjlEifk ewY; ` 12-3524 Fkk vkSj jkT; ljdkj ;tuk dh ifjlEifk dk ewY;
` 10-6027 Fkk A
dsU ljdkj dh fuf/k dk okfkZd fjVuZ 31-03-2010 d 11-7620% ,oa jkT; ljdkj fuf/k dk 7-8566% Fkk A

?k ,y vk lh dkMZl lfoZlst+ fyfeVsM %

,y-vk-lh-dkMZl lfoZlst+ fyfeVsM] t Hkkjrh; thou chek fuxe ds iw.kZ LokfeRookyh lg;xh daiuh gS] dh LFkkiuk
11 uoEcj] 2008 d gq A daiuh dk eq[;ky; u fnYyh esa gS A vius Fke iw.kZ okZ] 2009&10 esa daiuh us dkMZ ds fy,
31]348 vkosnu kIr fd;s rFkk dqy 19]995 dkMZ tkjh fd;s x;s A kIr vkosnu rFkk lQy vkosnu nua gh dh la[;k vis{kk
ds vuq:i u gus dk dkj.k ewyr% fo; okfguh esa vkjafHkd dqkyrk dk vHkko Fkk A blds mijkar daiuh us vfHkdrkZvksa ds
fk{k.k gsrq leqfpr dne mBk;s gSa rFkk pkyw okZ 2010&11 esa 1 yk[k dh dkMZ la[;k rd igqpa us ds fr vkkkfUor gS A
gekjs dkMZ/kkjda esa 374 us sfMV dkMZ ds ek/;e ls hfe;e Hkqxrku ds fy, lgefr ntZ djk;h A pkyw okZ esa ;g la[;k
yxkrkj c<+ jgh gS A okZ 2010&11 esa hisM ,oa MsfcV dkMZ cktkj esa ykus dh daiuh dh ;tuk gS A daiuh vU; mRiknda
ds lkFk lac/a k LFkkfir djds miHkDrk d vkSj vf/kd ykHk igqpa kus dh fnkk esa Hkh ;Rukhy gS A
16

53

1 5 chek/kkjd gsrq lsok,a %

d nkoa dk fucVkjk %
nkoa dk fucVkjk ifylh/kkjda d nh tkuhokyh lsok dk ,d cgqr egRoiw.kZ igyw gS A blfy, fuxe ifjiDork o e`R;q
lac/a kh nkoa ds Rofjr fucVkjs ij cgqr tj nsrk gS A okZ 2009&10 ds njku fuxe us fiNys okZ ds 40]085-12 djM+ :i;s
ds 1-54 djM+ nkoa ds eqdkcys 53]535-82 djM+ :i;s ds 2-16 djM+ nkoa lw{e chek rFkk isa ku vkSj lkewfgd ;tukvksa lesr
dk fucVkjk fd;k A okZ dh lekfIr ij 31 ekpZ 2010 d cdk;k nkoa dk frkr fucVk;s x;s nkoa ds eqdkcys la[;k ds lanHkZ
esa 0-26 frkr vkSj jde ds lanHkZ esa 0-94 frkr Fkk t fd 31 ekpZ 2009 d ek% 0-33 vkSj 0-97 frkr Fkk A okZ
2009&10 ds njku O;fDrxr chek ds rgr 97-47 frkr ifjiDork nkos ns; frfFk ;k mlls iwoZ fucVk;s x;s A
ifjiDork nkoa lk/kkj.k] isaku o lkewfgd ;tuk vkSj lw{e&chek d lfEefyr djrs gq, ds fuiknu ls lacfa /kr xr 3 okksaZ
ds vkadM+s lkj.kh 8 esa fn;s x;s gSa A
[k oSdfYid tfj;a ls hfe;e Hkqxrku %
osru cpr ;tuk ds rgr tkjh ikfyfl;a d NMdj vU; lHkh pkyw ikfyfl;a ds varxZr hfe;e oSdfYid fof/k;a ls tek
djk;s tk ldrs gSa A okZ 2009&10 esa oSdfYid fof/k;a ls tek dh x hfe;e jkfk;a dk ;x okZ Hkj esa kIr dqy ijorhZ
hfe;e dk yxHkx 10% jgk A
vkWQykbu hfe;e Hkqxrku ds ek/;e tgka jlhn Mkd ls Hksth tkrh gS %
1 bys D V fud Dyh;js a l .kkyh lh,l %
;g lqfo/kk bl le; 60 dsUa ij miyC/k gSA -lh-,l-ds tfj;s] ;wfyi vkSj LokLF; chek gSYFk bU;jsla ifyfl;a
ds hfe;e Hkh tek fd;s tk ldrs gSa A
2

bys DVfud fcy Lrqr hdj.k ,oa Hkqxrku -ch-ih-ih- %

hfe;e dk Hkqxrku fofHkUu cSada tSls flVh cSad] ,pMh,Qlh cSad] vklhvklhvk cSad] QsMjy cSad] djijsku
cSad] ,fDll cSda vkSj lsoknkrkvksa & fcy MsLd vkSj VSd lsl ds tfj;s fd;k tk ldrk gS A ;s nskHkj esa yxHkx
vU; lHkh cSda a d doj dj ysrs gSa A bl lqfo/kk dk mi;x sfMV dkMZ ds }kjk Hkh hfe;e tek djrs gq, fd;k tk
ldrk gS A

,-Vh-,e- %
dsoy n cSda a djijsku cSad o ,fDll cSad esa miyC/k A
ch ih ih vkSj , Vh ,e ds }kjk hfe;e dk Hkqxrku dsoy pkyw Inforce ifylh esa fd;k tk ldrk gS fdUrq
ekfld@os-c-;- Hkqxrku fof/kokyh ifyfl;a@;qfyi ifyfl;a@gsYFk bU;jsla ifyfl;a d NM+dj A

vkWuyku Hkqxrku ds ek/;e rqjar oS/k jlhn tkjh %

4

xzkgd iVZy Hkqxrku ek/;e dLVelZ iVZy isesaV xsVos %

40 cMs cSda a dh usV&cSfa dax lqfo/kk dh lgk;rk ls ,y vk lh osclkV www.licindia.in ij vkWuyku hfe;e dk
Hkqxrku A ;wfyi ikfyfl;a dk hfe;e Hkqxrku Hkh bl ek/;e ls fd;k tk ldrk gS A gSYFk ba;jsla ikfyfl;a ds fy;s
;g lqfo/kk miyC/k ugha gS A

,fDll cSad %
,fDll cSad dh fdlh Hkh kk[kk ;k foLrkj dkmUVj ij udn ;k pSd ,fDll cSad ij dkVs x;s }kjk hfe;e dk
Hkqxrku fd;k tk ldrk gS A

sapkth ds ek/;e ls hfe;e Hkqxrku %

hfe;e dsoy udn guk pkfg;s A
spa kth ds tek dsU jlhn tkjh djrs gSa A
bl lqfo/kk gsrq d lfoZl pktZ tek dsU esa ns; ugha gS A
fuEu spa kth hfe;e tek djus gsrq vf/kr gSa &
,ih vkWuykbu % osclkV www.aponline.gov.in
,eih vkWuykbu % osclkV www.mponline.gov.in
lqfo/kk bUQloZ kbosV fyfeVsM % Vyh gsYiykbu ua- 1800225225desV VsDuytht% osclkV www.comat.com iwNrkN gsrq info@comat.com ij lEidZ fd;k tk
ldrk gS A

17

53

lhfu;j fctusl ,lfl,V %

dqN~ pqfuUnk fodkl vf/kdkfj;a d vkWuykbu hfe;e tek djus ds fy;s vf/kr fd;k x;k gS] t rqjra jlhn tkjh
djrs gSa A ikjEifjd ikfyfl;a ds vykok ;wfyi ikfyfl;a ds hfe;e Hkh ;s tek djrs gSa A fdarq gSYFk ba;jsal
ikfyfl;a d NM+dj

vf/kr vfHkdrkZ %
lsokvksa esa vf/kd ls vf/kd lqfo/kkvksa ds fy, c<+rh xzkgdh; vis{kkvksa d /;ku esa j[krs gq,] fuxe us vius dqN pqfuank
vfHkdrkZvksa d ijorhZ hfe;e ysus ds fy, vf/kr fd;k gS A orZeku esa nskHkj esa ,sls vf/kr vfHkdrkZvksa dh la[;k
10000 gS] t udn ;k psd }kjk hfe;e tek dj ldrs gSa] ;wfyi ikfyfl;a lfgr fdarq gSYFk ba;jsla ikfyfl;a d
NMdj vkSj rqjra ,d oS/k jlhn tkjh dj ldrs gS Aa

ds }kjk ikfylh laca/kh tkudkfj;a %

viuh ikfylh ls lcaf/kr fofHkUu tkudkfj;a tSls miyC/k _.k] cul] iqupZyu dVsku] hfe;e fLFkfr] ukfeusku] bR;kfn
d ikus ds fy, ikfylh/kkjd 56677 ij SMS dj ldrs gSA Vkbi djsa asklic< Policy No.> information required
SMS

?k xz k gd fkdk;r fucVkjk %
fuxe ds ikl kk[kk@eaMyh;@{ks=h;@dsUh; dk;kZy; esa xzkgda dh fkdk;rsa lquus ds fy, vf/kdkjh gSa A muds uke vkSj
miyC/k jgus ds le; dh tkudkjh O;kid lkj okys v[kckja esa le;&le; ij dkfkr dh tkrh gS A gekjh fkdk;r
fucVkjk .kkyh esa xzkgdh; lac/a ka vkSj xzkgdh; lsok dh Hkkouk lekfgr gS] ftlesa lEidZ&LFkya ij xzkgdUeq[kh deZpkjh
j[ks tkus ij tj fn;k x;k gS A ekuoh; gLr{ksi de djus vkSj fkdk;rsa de ls de ga] ;g lqfufpr djus ds fy;s lwpuk
|fxdh lapkfyr lf; vk/kkj .kkyh d kq: fd;k x;k gS A xzkgd lark c<+kus dh dfkk ds rgr flVhtUl pkVZj esa
fu/kkZfjr ekinaMa dk ikyu fd;k tkrk gS A
ftuds nkos [kkfjt fd;s tkrs gSa] mu xzkgda d vius ekeys {ks=h; dk;kZy; lh vkj lh nkok leh{kk lfefr vFkok dsUh;
dk;kZy; lh vkj lh esa ys tkus dh lqfo/kk gS A nkok leh{kk lfefr ds ,d lnL; mPp U;k;ky;@ftyk U;k;ky; ds lsokfuo`r
U;k;k/khk grs gSa A okZ 2009&10 ds njku 2755 ekeya dh leh{kk dh x;h Fkh] ftuesa ls 943 esa vuqxgz jkfk lesr Hkqxrku
fd;k x;k A
nsk esa vgenkckn] Hkiky] Hkqcusoj] paMhx<+] psUu] fnYyh] xqokgkVh] gSnjkckn] dfPp] dydkrk] y[ku vkSj eqca esa chek
ydk;qDr gSa t xzkgda d U;wu ewY; ij Rofjr e/;LFkrk eqgS;k djkrs gSa A
xzkgda dh fkdk;ra ds Rofjr fucVkjs ds fy;s fuxe us gekjs xzkgd iVZy osclkbV tfd <http://www.licindia.in>
gS] ds tfj;s xzkgdUeq[kh fkdk;r ca/k .kkyh kq: dh gS] tgka ifylh/kkjd lh/ks viuh fkdk;r@leL;k iathr djk ldrs
gSa vkSj muds fucVkjs dh f;k ij utj j[k ldrs gSa A

18

vk-oh-vkj-,l- @ bUQ&ls U Vj %
nsk ds 57 kgja esa fuxe ds vk-oh-vkj-,l IVRS xzkgda d lwpuk,a miyC/k djkus ds fy;s 24 x 7 dk;Zjr gS]a buesa ls
30 d baQ&lsVa lZ esa ifjofrZr dj fn;k x;k gS] tgka Qu djus okys xzkgda d lsok,a nsus ds fy;s n fkVa esa deZpkjh
rSukr fd;s x, gSa A gekjs vk-oh-vkj-,l@bUQlsUVlZ ls lEidZ djus ds fy, xzkgd d ;qfuQkbM ,Dlsl uEcj UAN 1251
Mk;y djuk grk gS A

dLVej t+u Customer Zone %

^dLVej t+u* dh ifjdYiuk xzkgda dh ikfylh&lfoZflax lEcU/kh t:jra ds ^,d&fcUnq lek/kku* one-stop resolution
ds :i esa dh x gS ftlesa xzkgda d ^xq.kokkiw.kZ vuqHko* nku djus ij cy fn;k x;k gS A orZeku esa] nskHkj esa 28 dLVej
t+u dk;Zjr gSa A bu dsUnza esa baQ&lsVa lZ ds lkFk vfrfjDr MsLdsa ;Fkk gSYi MsLd] k;fjVh MsLd tM nh x gSa tgka vkxardq
xzkgda walk-in customers d lsok,a nh tk,axh A

okfkZdh Hkqxrku Annuity payment %

o`)koLFkk esa lqjf{kr vkSj xkjaVhM fjVuZ dk ms; okfkZdh ikfyfl;ka annuities c[kwch iwjk djrh gSa A gky gh esa geus
vius okfkZdh/kkjda d okfkZdh dk Hkqxrku ns; frfFk;a ij djus ds fy, N.E.F.T. uskuy bysDVfud QaM VkaLQj dh
O;oLFkk ykxw dh gS A N.E.F.T. ds dkj.k okfkZdh dk Hkqxrku lh/ks okfkZdh/kkjda ds cSda [kkrs esa g tkrk gS A 10 I.P.P.
vk-ih-ih- dsUa esa ls 2 mkj&e/; o iwohZ {ks=a us N.E.F.T. }kjk okfkZdh dk Hkqxrku kq: Hkh dj fn;k gS A vU; dsU
Hkh tYnh gh bls kq: djus dh f;k esa gSa A

53

1 6 fuxfer lask.k %
okZ ds njku czk.M ,y-vk-lh- dh leLr ehfM;k okgua ij vf/kdre mifLFkfr cuk, j[kus ij cy fn;k x;k A czk.M ,y-vk-lh
dh Nfo d lajf{kr j[kus vkSj fu[kkjus ds fy, ;tukc/n rjhds ls fuxfer lask.k dh xfrfof/k;ka dh xa A leLr ehfM;k
xfrfof/k;a ij fd, x, O;; ds ,ot esa leqfpr ekbyst lqfufpr djus ij /;ku dsafr fd;k x;k A leLr ehfM;k ek/;ea esa czk.M
dh mifLFkfr c<+kus ds fy, dher lkFkZd&lrdZ ;kl fd, x, A
ekdZVs Iyl&1] ,y-vk-lh- ds isUku Iyku] thou ljy ,oa osYFk Iyl ij vk/kkfjr pkj u;s Vh-oh defkZ;y rS;kj djk, x, A fofHkUu
mRikna] xzkgd lsoUeq[kh xfrfof/k;a ,oa fuxfer Hkko ij vk/kkfjr 20 ls Hkh vf/kd foKkiu faV ehfM;k ds fy, cuk, x, A
chek tkx:drk ds lkj d okZ ds njku eq[krk nh x A ^chek fk{kk dk;Ze] bU;jsUl Dykl :e* dh nl dfM;aokyh J`[a kyk
,d eq[k fcftusl pSuy ^th fcftusl* ij lkfjr gq] ftlds rgr thou chek ds fofHkUu igyqvksa ij dkk Mkyk x;k A fofHkUu
jsfM; ,Q-,e-pSuya ij dSIlwy ds :i esa ^bU;jsUl fMDkujh* dk;Ze lkfjr fd, x,] ftuesa Jrkvksa d thou chek ls lacfa /kr
egRoiw.kZ eqa ij tkudkjh ljy Hkkkk esa nh x A mRikna ds foKkiu ls gVdj ^faV ehfM;k* esa foKkiua dh ,d J`a[kyk }kjk
xzkgd lac/a k cU/kd lhvkj,e dh fofHkUu xfrfof/k;a ls xzkgda d voxr djk;k x;k A
turk esa LokLF; ,oa ran:q Lrh ds fr tkx#drk c<+kus ds fy, ,uMhVhoh bafM;k ij ^fQV jg bafM;k* uked ,d dk;Ze dh vkB
dfM;ka k;ftr dh xa A
bl okZ Hkh fuxe us oLrqr% thou chek ds {ks= ls lac/n leLr frfBr iqjLdkj vftZr djus dh viuh ijaijk dk;e j[kh A ftuesa
ls eq[k iqjLdkj fuEu gSa %
1 ,uMhVhoh fQV fctusl yhMjfki ,okMZ
2 lh,uchlh vkokt dUT;wej ,okMZ
3 jhMlZ Mk;tsLV eLV VLVsM czk.M ,okMZ
4 xYMu fidkd buosfVo MDV ,okMZ
5 ukLdke vkVh ;wtj ,okMZ
6 fctusl lqij czk.M bafM;k 2009&10
7 ,yvklh d ^n bdukfed VkEl czk.M bfDoVh loZs 2009* }kjk yxkrkj ikapoh ckj ^lcls fooluh; thou chek nkrk
czk.M* vkadk x;k A
8 ,fk;k iSflfQd ,pvkj,e dkaxlsz }kjk ^buosfVo ,pvkj SfDVlsl* ,okMZ
9 vkV yqd euh ,uMhVhoh fQV ,okMZ 2009
10 oYMZ czk.M dkaxlsz }kjk ^czk.M yhMjfki ,okMZ*

17 lw p uk vf/kdkj vf/kfu;e] 2005 %

lwpuk vf/kdkj vf/kfu;e gsrq Hkkjrh; thou chek fuxe esa cU/ku <kpk %
d vihyh; vf/kdkjh
1
dsUh; dk;kZy;
%
Jh Mh-ds-esgj=k] cU/k funskd
2
{ks=h; dk;kZy;
%
{ks=h; cU/kd Hkkjh
3
eaMy dk;kZy;
%
ofjB eaMy cU/kdHkkjh
[k lh-ih-vk-vks 1
dsUh; dk;kZy;
2
{ks=h; dk;kZy;
3
eaMy dk;kZy;
x

oS d fYid lh-ih-vk-vks 1
dsUh; dk;kZy;
2
{ks=h; dk;kZy;
3
eaMy dk;kZy;

%
%
%

Jherh rade Vh- eSF;q]] dk;Zdkjh funskd u ifj;tuk,a @lhihvkvks

knsfkd cU/kd xzk-la--
cU/kd xzk-la--

%
%
%

lqJh xik jk;] dk;Zdkjh funskd fujh{k.k

knsfkd cU/kd dkfeZd
cU/kd dkfeZd

?k lh-,-ih-vk-vks kk[kk dk;kZy; @lsVys kV laidZ dk;kZy; %

dk;kZy; Hkkjh
19

53

okZ 2009&10 ds njku gekjk vuqHko %

okZ 2009&10 ds njku gesa dqy 6897 vkosnu] 1473 vihy] 108 lquok ds ekeys rFkk 13 dkj.k crkvks ufVl kIr gq A lwpuk
vf/kdkj vf/kfu;e ds rgr lcls vf/kd vkosnu mkj&e/; {ks=h; dk;kZy; 1627] mkj {ks=h; dk;kZy; 1253 rFkk ifpe {ks=h;
dk;kZy; 1113 d kIr gq, gSa A mkj&e/; {ks=h; dk;kZy; us lcls vf/kd vihy 376 kIr dh] nwljs rFkk rhljs LFkku ij ek
mkj {ks=h; dk;kZy; 277 rFkk ifpe {ks=h; dk;kZy; 234 gSa A mkj {ks=h; dk;kZy; esa lcls T;knk lquok ds ekeys 24] dsUh;
dk;kZy; esa 20 rFkk mkj&e/; {ks=h; dk;kZy; esa 20 gq, A dqy 13 dkj.k crkvks ufVl esa] iwoZ&e/; {ks=h; dk;kZy;&4]
mkj&e/; {ks=h; dk;kZy;&4 ] dsUh; dk;kZy;&2 ] mkj {ks=h; dk;kZy;&1] ifpe {ks=h; dk;kZy;&1 rFkk iwoZ {ks=h; dk;kZy;&1
ls lEcUf/kr gSAa dsUh; dk;kZy; ds nua ekeys ifpe {ks=h; dk;kZy; rFkk iwohZ; {ks=h; dk;kZy; ls lEcUf/kr gSAa
{kfriwfrZ ds 3 ekeya esa] 1 ekeyk iwoZ {ks=h; dk;kZy; dydkrk egkuxj e.My dk;kZy;&I rFkk 2 ekeys mRrj&e/; {ks=h;
dk;kZy; xj[kiqj ls lacfa /kr gSa A n.M dk dsoy ,d ekeyk nf{k.k {ks=h; dk;kZy; ls Fkk] ftlesa n.M okZ 2008&09 esa yxk;k x;k
Fkk] ftldk Hkqxrku] ;kfpdk ij fnYyh mPp U;k;ky; ds fu.kZ; ds ipkR okZ 2009&10 esa fd;k x;k A

lwpuk dk vf/kdkj vf/kfu;e] 2005 ds kjaHk ls vkjVhvk dh lkaf[;dh

DeeJesoveeW keer mebKee
DeheerueeW keer mebKee
megveJeeF& kes ceeceues
keejCe yeleeDees meteveeSbb
#eeflehetjCe ceeceues
DeLe&oC[ kes ceeceues

2005-06
187
01
keesF& veneR
keesF& veneR
keesF& veneR
keesF& veneR

2006-07
1311
09
02
keesF& veneR
keesF& veneR
keesF& veneR

2007-08
2616
394
96
27
04
--

2008-09
4555
982
174
13
02
01

2009-10
6897
1473
108
13
3
1

vihyh; kf/kdkjh dh dqy la[;k % 118

dsUh; tu lwpuk vf/kdkfj;a dh dqy la[;k % 118
dsUh; lgk;d tu lwpuk vf/kdkfj;a dh dqy la[;k % 2625

1 8 dkfeZ d @deZ p kjh la c a / k %

d deZpkfj;a dh la[;k %
31@03@2010 d fuxe esa dk;Zjr vf/kdkfj;a ,oa deZpkfj;a dh dqy la[;k 1]15]966 Fkh tcfd fiNys foRrh; okZ ds
var esa ;g 1]14]916 Fkh A
[k deZpkjh laca/k %
fuxe ,oa fuxe ds deZpkfj;a ds e/; ln~Hkkoiw.kZ ,oa lkeatL;iw.kZ laca/k jgs A ca/ku us le;&le; ij deZpkfj;a ds
frfuf/k;a ls deZpkfj;a ls lacfa /kr fok;a ij fopkj&foekZ fd;k ,oa lwpuk Hkkxhnkjh cSBdsa Hkh vk;ftr dhaA
x

efgykvks a dk lkfDrdj.k %
fuxe esa R;sd Lrj ij efgyk vf/kdkfj;a ,oa deZpkfj;a dk ;xnku cgqr egRoiw.kZ jgk gS A fofHkUu Jsf.k;a esa efgyk
deZpkfj;a dh la[;k fuEu vuqlkj gS %
esCeer
heLece esCeer DeefOekeejer
efJekeeme DeefOekeejer
le=leere SJeb elegLe& esCeer kece&eejer
DeefYekele

25500
23634
66832
115966

ceefnuee
4529
594
18984
24107

fuxe esa dk;ZLFky ij ;u kk.k fuokj.k gsrq lfefr dsUh; dk;kZy;] {ks=h; dk;kZy; ,oa eaMy dk;kZy; Lrj ij
l{kerk ls dk;Zjr gS A
?k vkj{k.k % jkVh; uhfr dk;kZUo;u %
A vuqlwfpr tkfr @ tutkfr ,oa vU; fiNM+s oxZa ds fy, vkj{k.k %
jkVh; uhfr esa nku vuqlfw pr tkfr @ tutkfr ,oa vU; fiNM+s oxZ ds i{k esa vkj{k.k ko/kkua d fuxe esa lnSo
ykxw fd;k gS rFkk HkrhZ ,oa inUufr esa Hkkjr ljdkj Onkjk tkjh vuqns ka ds vuqlkj vkj{k.k nku fd;k gS A
20

53

vkyP; okZ ds njku fuxe ds fofHkUu dk;kZy;a Onkjk dqy 1914 vuqlfw pr tkfr @ vuqlfw pr tutkfr @ vU; fiNM+s
oxZ ds R;kfk;a d vkjf{kr fjfDr;a ij HkrhZ fd;k x;k A
2

kkjhfjd :i ls fodykaxa ds fy, vkj{k.k %

Hkkjr ljdkj )kjk tkjh funska dh vuqikyuk gsrq ,oa kkjhfjd :i ls fodykaxa ds iquokZl ds n`fVd.k ls fuxe us
HkrhZ laoxZa esa us=ghu@n`fVnk ihfMr rFkk fodykaxa dh HkrhZ gsrq udfj;a@ina dh igpku dh gS A blds
vuqlkj Fke] r`rh; ,oa prqFkZ Js.kh dh udfj;a@ina esa vkj{k.k dqy fjDr ina dk 3 frkr gS A

3 HkwriwoZ lSfud deZpkfj;a ds fy, vkj{k.k %

fuxe esa HkwriwoZ lSfuda dh HkrhZ lac/a kh ko/kku ljdkj Onkjk tkjh funZs ka ds vuqlkj fd;k tkrk gS A
M

HkrhZ %
okZ ds njku fuxe us lgk;d kklfud vf/kdkjh laoxZ esa 17 vfHk;ark] 24 chekadu vgZrk kIr O;kolkf;d] 47 pkVZfjr
ys[kiky ,oa 307 vf/kdkfj;a dh HkrhZ dh A kjafHkd 3 lkya ds fy, ih-,aM th-,l-@ ,e-ch-,aM ,lh@ lh-,y-vk-,- ,oa
lh/kk foi.ku pSuy esa vuqc/a k rj ij 110 ofjB foi.ku funskda dh opuc/nrk dh x A

deZpkfj;a d vkoklh; _.k %

fuxe ds deZpkfj;a d fofo/k vkoklh; _.k ;tuk rFkk vfHkdrkZvksa d vkoklh; _.k ;tuk ds vUrxZRk dqy jkfk
` 60-67 djM+ rFkk ` 31-40 djM+ ek% 31-3-2010 rd Lohr dh x gS A

[ksydwn %
1 vf[ky Hkkjrh; thou chek fuxe [ksy 2009&10 %
okZ 2009&10 dh lekfIr psUu esa fuxe ds okZ ds lcls cM+s [ksy vk;tu "vf[ky Hkkjrh; thou chek fuxe [ksy
2009&10" ds lkFk gq A lHkh N% hM+k fo/kkvksa dh ,d lkFk] ,d LFky ij vk;ftr vf[ky Hkkjrh; hM+k
fr;fxrk] fuxe dh hM+k fcjknjh esa JsB Lrj ds l[;] lkgp;Z rFkk ,drk dh Hkkouk ds lao/kZu esa dke;kc gq A
bl hM+k mRlo dk vk;tu ofjB e.My cU/kd] psUu e.My dk;kZy; I ,oa II ds l{ke usr`Ro esa rFkk nf{k.k
{ks=h; dk;kZy; ds ekxZnkZu esa fd;k x;k A
f[kykfM;a d fcu ckjh inUufr;a rFkk foksk osr u o`f);ka %
fuEufyf[kr f[kykfM;a d muds }kjk jkVh; rFkk varjkZVh; Lrj ij [ksy ds {ks= esa mRV fuiknu gsrq fcu ckjh
inUufr;ka rFkk foksk osru o`f);ka nku dh xa A
fcuckjh inks U ufr;kW a
mPp Js.kh lgk;d ls lgk;d izkklfud vf/kdkjh % 3
lgk;d ls mPp Js.kh lgk;d %1

foks k os r uo` f /n;kW a

nks foksk osruo`f/n;kWa % 4 f[kykfM;ksa dks
,d foksk osruo`f/n % 11f[kykfM;ksa dks

2 [ksydwn dVk esa HkrhZ %

hM+k mRVrk ds {ks= esa frLi/kkZRed tk d dk;e j[kus rFkk hM+k {ks= ds vU; etcwr laLFkkua tSls cSda ] jsYos]
isVfy;e vkfn ds lkFk leku vk/kkj ij frLi/kkZ d cuk, j[kus dh n`fV ls] yxHkx 75 f[kykfM;a dh HkrhZ djus
dk fu.kZ; fy;k x;k gS] ftlls fd lHkh N% hM+k fo/kkvksa dh Vhea dk lkDfrdj.k gxk A ;g f;k vius vafre pj.k
esa gS rFkk blds lac/a k esa vf/klwpuk kh?kz gh tkjh gxh A
3 vU; xfrfof/k;ka @ >yfd;ka %
1 Hkkjrh; thou chek fuxe] mRrj {ks= ls krjat pSfEi;u Jh Jhjke >k us xzWUM ekLVj dh vgZrk kIr dh rFkk
mudk Hkkjrh; krjat Vhe esa p;u fd;k x;k gS A
2 e.My dk;kZy;] iq.ks ds Jh dkk xk;dokM dk Hkkjrh; dSje Vhe esa p;u fd;k x;k gS A
3 ,vj bafM;k }kjk psUu esa vk;ftr vf[ky Hkkjrh; lkoZtfud {ks= dSje fr;fxrk esa Hkkjrh; thou chek
fuxe ds iq:k vkSj efgyk Vhe us Fke LFkku kIr fd;k A
4 xqokgkVh esa vk;ftr 39 oha lhfu;j jkVh; dSje pSfEi;ufki esa Hkkjrh; thou chek fuxe ds iq:k vkSj efgyk
Vhe us Fke LFkku kIr fd;k A
5 eqac esa vk;ftr vf[ky Hkkjrh; lkoZtfud {ks= krjat fr;fxrk esa Hkkjrh; thou chek fuxe us f}rh;
LFkku kIr fd;k A
6 ch,l,u,y }kjk nsgjknwu esa vk;ftr vf[ky Hkkjrh; lkoZtfud {ks= oyhcy pSfEi;ufki esa gekjh oyhcy
Vhe us f}rh; LFkku kIr fd;k A
21

53

19 ekuo la l k/ku fodkl@la x Bu fodkl igys a @ fk{k.k xfrfof/k;ka %

ekuo lalk/ku fodkl @laxBu fodkl %
ek-la-fo@la-fo- foHkkx deZpkfj;a ,oa laLFkk ds /;s; ] nwjnfkZrk] ;tukvksa rFkk y{;a ds chp ds laca/ka d tMusokyh egRoiw.kZ
dMh gS A ek-la-fo@la-fo- foHkkx {kerkvksa ds fodkl] frc)rk ds etcwrhdj.k rFkk v/;;u laLrh ds fuekZ.k ij /;ku dsfUr djrk
gS A bls lqfufpr djus gsrq foHkkx }kjk da igya d gkFk esa fy;k x;k] ftuesa ls okZ 2009&10 ds njku dh eq[; igysa fuEukuqlkj
gSa %
1 bafM;u Ldwy vkWQ fctusl] gSnjkckn }kjk mi{ks=h; rFkk {ks=h; ca/kd lkekU; laoxZ ds 50 vf/kdkfj;a ds fy, fctusl
yhMjfki ij Fkkxr fk{k.k dk;Ze vk;ftr fd;k x;k A
2 iLV xzsT;q,V ,DthD;qfVOk xzkeihthih bl ,d okhZ; oSfkV~;iw.kZ bu&gkl ,ech, ekLVj vkWQ fctusl
,MfefuLVsku dk;Ze dh igy bfUM;u bfULVV~;wV vkWQ eSustesaV] vgenkckn ds lg;x ls dh x A 49 vf/kdkfj;a dh
f}rh; cSp us ikB~;e lQyrkiwodZ iw.kZ fd;k gS A
3 55 okZ rFkk ijh vk;q ds e.My ca/kd@lgk;d e.Myca/kd laoxZ ds 1150 vf/kdkfj;a ds fy, foksk :i ls vuqdfw yr
dk;Ze visDl APEX vfpfoax ilZuy ,DlsyUl lapkfyr fd;k x;k A
4 rduhdh fok;a rFkk lkekU; ca/ku esa fk{k.k gsrq Hkkjr dh fofHkUu fl) laLFkkvksa esa vU; eq[; dk;Zea dk vk;tu fd;k
x;k A
okZ ds njku gekjs deZpkfj;a ds fk{k.k dk MkVk fuEukuqlkj gS %&
heefMe#eCe kesv
Fve neTme heefMe#eCe :
heyebOe efJekeeme kesv
je^ere yeercee mebmLeeve (vesMeveue FvMeesjsvme Skes[ceer)
7 #es$eere heefMe#eCe kesv

heefMeef#ele JeefeeeW keer mebKee

2008-2009 2009-2010
2878
2328
2286
1797
34344
38224
39508
42349

yeee heefMe#eCe mebmLeeSbb

osMeebleie&le (ISB, XLRI, ASCI, IIM, MDI Deeefo)
efJeosMeer mebmLeeSb/b efvekeee (FALIA, AIM, IFTDO, SWISS RE, MUNICH RE Deeefo)
kegue eesie :

730
13
40251

584
9
42942

2 0 cU/k fodkl dsU %

;g loZfofnr ekU;rk gS fd Li/kkZ dh mBrh ygjs]a O;fDr foksk dh l{kerk rFkk fokskKrk ij fuHkZj djrh gSa A fodflr Kku vkSj
dky] t ifjofrZr ifjn; ds rkjrE; esa g] cy frLi/kkZ dh ekx gS A bl ifjfLFkfr esa fuxfer fk{k.k dh Hkwfedk
vR;ko;d grh gS A fk{k.k ds ifj.kkeLo:i yxa dh orZeku l{kerk d u;s vk;ke feyrs gS]a tfd laxBu d fr;fx;a esa
lcls vkxs dh vksj vxzlj gus esa enn djrs gSa A
cU/k fodkl dsU] laxBu ds n`fVd.k rFkk Li/kkZ dh ekx d /;ku esa j[krs gq;]s e/; rFkk mPpLrjh; cU/kda d mudh l{kerk
c<+kus gsr]q ,d vge Hkwfedk fuHkk jgk gS A rnuqlkj cU/k fodkl dsU us 2009&2010 esa 1113 fk{k.k dk;Ze vk;ftr fd;s ftuesa
2328 lgHkkfx;a d fk{k.k nku fd;k x;k A
fooLrjh; cU/ku l{kerk fodflr djus gsrq dkyiw.kZ laxBu ds ;kl d /;ku esa j[krs gq;s] iLV xzstq,V ,DthD;qfVo xzke]
tfd vk-vk-,e- vgenkckn ds lg;x ls vk;ftr fd;k x;k gS] 49 lgHkkfx;a }kjk vSy 2010 es laiUu fd;k tk pqdk gS tcfd
vU; 50 vf/kdkjh r`rh; ih th ih esa viuk lgHkkx ns jgs gSa A
fk{k.k uhfr ds rgr cU/k fodkl dsU us okZ 2009&2010 esa fuEu xzke vk;ftr fd;s gSa %
1- foi.ku rFkk fo; ds LVkQ gsrq fk{k.k 26
2- QaDkuy bUMDku xzke
30
3- fk{k.kdrkZ gsrq fk{k.k xzke
05
4- fofkV xzke
43
5- vU; xzke ih-th--ih-lfgr
09
dqy
113

2 1 jktHkkkk dk;kZ U o;u %

d] [k vkSj x {ks=a esa fLFkr lHkh dk;kZy;a }kjk jktHkkkk vf/kfu;e] 1963 ,oa jktHkkkk fu;e] 1976 ds fofHkUu ko/kkua ds
vuqikyu d lqfufpr djus ds fy, vko;d dk;Zokgh dh x A okZ ds njku fuxe ds lHkh dk;kZy;a esa jktHkkkk dk;kZUo;u dh
xfr larktud jgh vkSj jktHkkkk ds ;x d c<+kok nsus dk ;kl fujarj tkjh jgk A
22

53

2 2 vfHk;ka f =dh dk;Z d yki%

okZ ds njku fuxe us 13 kk[kk] 1 eaMy dk;kZy;] 135 vkokl bdk;a dk fuekZ.k 17 dsaa ij ,oa 12 ux vkoklh Hkoua dk
chek/kkjd vkokl ;tuk ds rgr fuekZ.k dk dk;Z iw.kZ fd;k A 1 {ks=h; dk;kZy;] 4 eaMy dk;kZy; vkSj 53 kk[kk dk;kZy;a dk Hkh
vk/kqfudhdj.k fd;k x;k] ftlls dqy vk/kqfufdr kk[kk dk;kZy;a dh la[;k vc 835 vkSj eaMy dk;kZy;a dh la[;k 26 g x;h gSA
149 lSVykbV dk;kZy;a gsrq vR;k/kqfud vk/kkjHkwr <kapk dk dk;Z iw.kZ fd;k x;k A
blds vfrfjDr chek/kkjd vkokl ;tuk] fuosk Hkou] dk;kZy; ,oa vkokl Hkoua dk vius ;x gsrq ifj;tukvksa dk dk;Z xfr ij
gS A 22 txga ij kk[kk dk;kZy;] 4 txga ij eaMy dk;kZy;] 158 vkoklh dkb;a dk fuekZ.k 22 dsaa ij ,oa 6 dsaa ij
chek/kkjd vkokl ;tuk ds rgr 544 ux vkoklh Hkoua dk ,oa 3 fuosk Hkoua dk dk;Z xfr ij gS A
okZ ds njku fuxe us ` 76-66 djM+ dk fuosk Hkou fuekZ.k] ftlesa chek/kkjd vkokl ;tuk Hkh kkfey gS A ge yxaus lykg nsus
ds dk;Z }kjk- ` 104-84 yk[k vftZr fd;s rFkk mtkZ ys[kkijh{kk ds }kjk geus ` 106-15 yk[k dh cpr dh A

2 3 lEink@lk-O;--lEink foHkkx %
bl okZ fnukad 31-03-2010 d fuxe dh lEink ls ldy jktLo ` 199-36 djM+ jgk t xr okZ fnukad 31-03-2009 d ` 193-21
djM+ Fkk A xr okZ dh rqyuk esa 3-18% dh o`f/n ntZ gq A
okZ 2008&09 ds fy, kq/n jktLo ` 127-13 djM+ Fkk] t okZ 2009&10 esa c<+dj ` 141-25 djM+ g x;k] t 11-10% o`f/n nkkZrk
gS A
bl okZ ds njku fuxe ds dk;kZy; Hkou] fuosk Hkou ds fuekZ.k gsrq ,oa chek/kkjd x`g&;tuk ds fy, 17 Hkw[k.M ; fd, x, A
mDr Hkw[k.Ma ds vf/kxzg.k gsrq ` 30-02 djM+ fuosk fd, x, A

2 4 lwpuk |fxdh %
okZ 2009&10 us dkiksjZ Vs ,fDVOg MkVk osvjgkl] ,UVjkt MD;qesVa eSuts esVa flLVe rFkk iVZy tSlh egRoiw.kZ rduhdh igya ds
lesdu] ftldk ifj.kke] gekjs xzkgda ds fy, fokky ewY;o/kZu esa gqvk] dk voydu fd;k A bl okZ esa Hkh gekjh dvj bU;jsUl
flLVe & UV ,UM ,fIydskUl iSdts Qhi ds vk/kqfudhdj.k dh igy dk voydu fd;k A
d+ hfe;e Hkqxrku ds u, ekxZ %
gekjk ;kl jgk gS fd xzkgd dh nsgyh ij vf/kd ls vf/kd lsok,a yh tk, A bu igya ds ,d Hkkx ds :i esa] bl okZ] gekjs
xzkgda }kjk uohdj.k hfe;e ds lqfo/kktud Hkqxrku gsrq vf/kd pSuya d tM+k x;k A buesa ls egRoiw.kZ Fkk hfe;e ibaV]
tgka chek/kkjd hfe;e dk Hkqxrku 24 x 7 dj ldrs gSa rFkk vafre jlhn nskHkj ds l'kDr th-ch-fu- vfHkdrkZvksa ds
dk;kZy;a ls kIr dj ldrs gSa A okZ ds var rd yxHkx 12]000 lkDr vfHkdrkZ vkSj 700 ofjB fcftusl ,lfl,V~l
ikfylh/kkjda ls hfe;e ladfyr dj jgs Fks A geus ,l,e,l vk/kkfjr iwNrkN lsokvksa dk Hkh kjaHk fd;k] ftudk mi;x
dj] xzkgd vc] hfe;e fdr dh vxyh frfFk] ukekadu] cul] _.k rFkk iqupkZyu C;js dh tkudkjh ,d vklku&lk
,l,e,l Hkstdj kIr dj ldrs gS%a asklic policy no premium/nom/bonus/loan/revival to 56677.
[k dkiksZjsV ,fDVo MkVk osvjgkl CADW %
Hkkjrh; thou chek fuxe dh CADW] foo ds lcls fokky thou chek xzkgd MkVkcsla esa ls ,d gS] ftlesa 400 fefy;u
ikfyfl;a ls vf/kd vfHkys[k laxfz gr fd, x, gSa A
bl osvjgkl ds dkj.k] Hkkjrh; thou chek fuxe] okZ 2009&10 es]a iwjs nskHkj esa] dLVej dUVWDV xzkEl rFkk xYM Dyc
dLVej dSEisUl tSls vusd xzkgdUeq[kh vfHk;ku kjaHk dj ldk A ,dy xzkgd dh fofHkUu ikfyfl;ka] ftudk hfe;e ,d gh
ekg esa ns; gS ds fy, ,d gh hfe;e lwpuk dk Hkstk tkuk] ;g vU; egRoiw.kZ miyfC/k gS A foi.ku yhM~l d kIr djus
rFkk vf/kd ek=k esa VkxZVs Ms foi.ku vfHk;ku pykus esa bl ifj;tuk dk lQyrkiwodZ mi;x fd;k x;k A
x

,UVjkt MD;qesaV eSustesaV flLVe Mh,e,l %

Hkkjrh; thou chek fuxe us xzkgd vfHkys[ka d fMftVkt djus rFkk vius xzkgda d dHkh Hkh] lsok nku djus ds fy,
vius dk;kZy;a esa ,UVjkt MD;qeasV eSuts esaV flLVe Mh,e,l dk;kZfUor dh gS A
lHkh ikfylh vfHkys[ka ds LdSfuax ds ipkr] ikfylh dh lsok kk[kk ij /;ku fn, fcuk] nsk dh fdlh Hkh kk[kk ls _.k
vnk;xh rFkk nkoa ds Hkqxrku tSlh fofHkUu lsok,a nku djuk lEHko gxk A
23

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31-03-2010 d] 244 fefy;u chek/kkjd vfHkys[ka ikfylh MdsV~l d fMftVkt fd;k x;k gS R;sd MdsV esa 16
nLrkosta dh vkSlr ds lkFk rFkk fdlh Hkh dk;kZy; ls vkWu&yku ,Dlsl ds fy, ,uscy fd;k x;k gS A blls xzkgd lsok
dh xq.koRrk esa dkQh larktud lq/kkj ykus esa gesa lgk;rk feyh gS A blds vfrfjDr] odZ&y vkWVesku Qhpj ds mi;x
ls] dk;kZy;karxZr lEsk.k rFkk fu.kZ; f;k esa vR;f/kd xfro/kZu esa lgk;rk feyh gS A lekt ds fr frc/n laLFkku gus
ds ukrs] geus "dk;kZy; fr;a" d lekIr djus vkSj mlds }kjk dkxt ds bLrseky d Hkkjh ek=k esa ?kVkus ds fy, Mh,e,l
ds bysDVfud vdkZboy Qhpj dk mi;x fd;k gS A
?k usVodZ & 2009&10 ds njku miyfC/k;ka %
1
u, usVodZ vkfdZVDs pj d vafre :i fn;k x;k gS rFkk yxHkx 3000 lSVys kV rFkk kk[kk dk;kZy;a esa usVodZ gkMZosvj
d bULVy rFkk dk;kZUfor fd;k x;k gS A kk[kkvksa d e.My dk;kZy;a ls tM+uos kyh yhTM ykUl d 2Mbps
rd mUur fd;k tk jgk gS]ftlls tM+s x, dk;kZy;a ds chp MkVk dk kh?kz LFkkukUrj.k lqfufpr gxk A kk[kk
dk;kZy;a ds fy, cSd&vi fyad ds :i esa vk,lMh,u dusfDVfoVh dh u;h ladYiuk dk kjaHk fd;k x;k gS A
2

usVodZ dk;kZUo;u rFkk liVZ Iyku rS;kj fd;k x;k] ftlesa ;qfuQfeZVh rFkk VcykwfVax esa lqxerk gsrq vkih ,Mfs lax]
:VlZ@loZlZ dh fQftdy dusfDVfoVh vkSj vU; tSls lHkh C;ja dk varHkkZo gS A ch,l,u,y ds lkFk dsUhr fcfyax
esa yhTM fyad iVZQfy; ds csgrj cU/ku gsrq vkWuyku yhTM fyad jsfDoftku eM~;yw fodflr fd;k x;k gS A
orZeku esa dsUh; dk;kZy; Lrj ij 3000 ls vf/kd fyaDl dk cU/ku fd;k tk jgk gS A

2 5 vkarfjd ys[kk ijh{k.k %

okZ 2009&2010 ds fy, fuxe ds lHkh kk[kk@eaMy@{ks=h; dk;kZy; ds foHkkxa dk fn-31@3@2010 d vad{s k.k ;Fkfpr #i ls iw.kZ
fd;k x;k gS A
lwpuk |fxdh d ,d vkStkj dh Hkkarh mi;x djrs gq, gekjh Fkk ds vuq#i vads{k.k iSdts a d mi;x esa yk;k tk jgk gS]
ftlls gekjs ys[kk ijh{kd aV ,.M ,fIydskUl iSdts Qhi ds ifjosk esa vad{s k.k lqpk# #i ls dj ldsa A okZ 2009&2010 esa gekjh
27% kk[kkvksa esa lwpuk .kkyh vad{s k.k lEiUu fd;k x;k A

2 6 fujh{k.k %
okZ 2009&2010 ds njku fuxe ds lHkh kk[kk dk;kZy;a] e.My dk;kZy;a] {ks=h; dk;kZy;a rFkk dsUh; dk;kZy; ds foHkkxa dk
fu/kkZfjr le; & lkj.kh ds vuqlkj fujh{k.k fd;k x;k A okfkZd fujh{k.k ds vykok dsok;lh ,oa ,,e,y ekxZnkhZ fl)kara dk
vuqikyu tkpus gsrq lHkh kk[kk dk;kZy;a dk foksk fujh{k.k rFkk uo O;olk; lekfIr ds lanHkZ esa pqus gq, kk[kk dk;kZy;a dk
fujh{k.k fd;k x;k A gekjs lHkh dk;kZy;a esa fujh{k.k iSdst dk;kZfUor djus ij vku&ykbu fjiVZ fy[kus] vuqorhZ dk;Zokgh d
Lohr djus rFkk fjiVZa dh lekiu .kkyh esa ikjnfkZrk yk x gS A

2 7 lrdZrk %
,d okZ ls vf/kd yafcr lrdZrk ekeya d fuiVk, tkus gsrq foksk ;kl fd, x, A lrdZrk dj.ka ds Rofjr fuiVkjs ds vfrfjDr]
lrdZrk ds lEHkkfor fcUnqvksa ds fok; esa lwpuk lkfjr dj] fuokjd lrdZrk ij cy fn;k x;k A
HkaMkj.k [kjhn rFkk Hkou lafonkvksa ds {ks=a esa dsUh; lrdZrk vk;x ds fnkk&funZs ka dk dM+h fuBk ls vuqikyu lqfufpr fd;k tk
jgk gS A

2 8 ukfer funskd %
fuxe fofHkUu daifu;a ds cMksZ ij] tgka mldh _.k vFkok bfDoVh ds vk/kkj ij i;kZIr Hkkxhnkjh gS] ukfer funskda dh fu;qfDr
djrk gS A ukfer O;fDr fuxe ds lsokjr vFkok lsokfuo`Rr vf/kdkjh grs gSa A ukfer funskda ds ekxZnkZu o muls dk;Z dh leh{kk
gsrq leqfpr O;oLFkk etwn gS A ukfer funskda dh fu;qfDr dh le;&le; ij leh{kk dh tkrh gS A
ukfer funskd daiuh ds ifjpkyu] leL;kvks]a laHkkoukvksa o dkiksjZ Vs vfHkkklu ekuda vkfn ds lac/a k esa tkudkjh miyC/k djkrs gSAa
foRrh; laLFkkvksa ds fuxjkuh ra= ds vfHkUu vax ds :i es]a cMZ dh cSBda@vU; lacfa /kr lfefr;a dh cSBda ;k vU; egRoiw.kZ fok;a
ij t fuxe ds /;kukdkZ.k ;X; ga] ukfer funskd fuxe d lwfpr djrs gSa A ukfer funskd }kjk nh x fjiVZ esa m/n~r egRoiw.kZ
fcanvq ksa ij vko;drkuqlkj] daiuh ;k vU; laLFkkvksa ds lkFk la;Dq r :i ls ppkZ dh tkrh gS A rFkkfi ukfer funskd Lora= funskd
grs gSa ftudh fu;qfDr xSj dk;Zdkjh funskd ds :i esa dh tkrh gS vkSj og daiuh ds nSfud pkyu o dk;Zdykia ls lacfa /kr ugha
grs gSa A
24

53

2 9 tf[ke cU/ku %
fuxe fokh; cktkj dk lcls cM+k laLFkkxr fuoskd gS vkSj bldh fokky fuf/k tfd fofHkUu ifjlaifk Jsf.k;a esa fuosfkr gS] fofHkUu
fokh; tf[kea ls Hkkfor grh gS A cktkj tf[ke] ysunkjh tf[ke] C;ktnj tf[ke o vU; fokh; cktkj dh tf[kea ls fuiVus
ds fy;s fuxe ,d leqfpr tf[ke cU/ku .kkyh fodflr dj jgk gS A tf[ke cU/ku foHkkx dk ms; fu;fer o fed :i ls
fuosk tf[kea d fpfUgr djuk o oSKkfud :i ls bu tf[kea ls fuiVus ds mik; djuk gS] ftlls fd chek/kkjda dh iwta h u dsoy
lqjf{kr jgs oju mud muds /ku ij leqfpr o`f) Hkh kIr g A fuxe lrr :i ls tf[ke cU/ku ds fy;s frc) gS o blds fy;s
,d lesfdr tf[ke cU/ku uhfr Lrkfor gS tfd tf[ke nwjn`fV] tf[ke fu/kkZj.k] ekiu ,oa fuxjkuh dk dk;Z o`gn~ :i ls
djsxh A

3 0 diksZjsV vfHkkklu %
vPNs diksjZ Vs vfHkkklu esa fuBk fuxe ds O;olk; vk/kkj ds nkZu dk ,d vfHkUu vax gS A vPNs diksjZ Vs vfHkkklu dh f;kvksa ds
laLFkkukRed pyua ds ihNs pkyd cy ds :i esa ljdkj] funskd e.My] dk;Zdkjh lfefr] ys[kk ijh{k.k lfefr] fuosk lfefr ,oa
fuxe ds deZpkfj;a rFkk vfHkdrkZ cy tSls fofHkUu vfrlf; mik; rFkk ekxZnkZu gSa A vPNk diksZjsV vfHkkklu lHkh Lrj ij
ewY;k/kkfjr uhfr;a vkSj dk;Z.kkfy;a ds lw=hdj.k ds vykok ifjpkyukRed ikjnfkZrk] lwpuk ds vknku&nku rFkk lHkh ks;j/kkjda
ds lkFk yxkrkj laokn ds fy, geskk sfjr djrk gS A vPNs diksjZ Vs vfHkkklu ds fy, O;ogkj us gesa vius czkaM bfDoVh] LVsdgYMj
ds fookl dh kfDr d c<+kus esa leFkZ fd;k gS ,oa laLFkk esa ,d LoLFk vkS|fxd ekgy d cuk, j[kk gS A vius xzkgd ds fr
laLFkkxr dsUhdj.k dh opuc)rk ,oa muds ;xnku ds QyLo:i gekjs O;olk; esa fjdMZ o`f) gqA vPNs dkiksjZ Vs vfHkkklu ds
fujarj ;kla us thou chek fuxe d xfrkhy rFkk thoar laLFkk cukdj fr;fxrk ds ncko dk lkeuk djus esa leFkZ fd;k A

3 1 cMZ dh cSBdsa %
fu;ea ds vuqlkj cMZ dh cSBdsa lkekU;r;k rhu eghua esa ,d ckj vk;ftr dh tkrh gSa A xr okZ ds njku cMZ dh pkj cSBdsa
vk;ftr gqa A ikfylh lac/a kh ekeya ds vykok cMZ] lkefjd fnkk&funZs k rFkk dk;kZUo;u nku djrk gS] foRrh; vuqkklu rFkk
ikfylh/kkjda ds fr mRrjnkf;Ro d lqfufpr djrk gS rFkk ikfylh/kkjda ,oa LVsd/kkjda ds fgr d Hkh lqfufpr djrk gS A
Hkkjrh; thou chek fuxe vf/kfu;e] 1956 dh /kkjk 19 ds vuqlkj] dk;Zdkjh lfefr rFkk fuosk lfefr dk xBu cMZ }kjk fd;k x;k
gS A blds vfrfjDr] Hkou lykgdkj lfefr rFkk ys[kk ijh{k.k lfefr dk Hkh xBu fd;k x;k gS A vkvkjMh, ds fuxfer vfHkkklu
fnkk&funZs ka ds vuqlkj cMZ dh vU; mi&lfefr;ka xfBr dh x gSa] tSls 1 tf[ke cU/ku lfefr 2 ifjlEifRr nkf;Ro cU/ku
lfefr rFkk 3 chek/kkjd laj{k.k lfefr A ;s lfefr;ka foRrh; okZ 2010&11 ls Hkkoh gaxh A

3 2 dsUh; cU/ku lfefr %

dsUh; cU/ku lfefr dh cSBdsa gj ekg vk;ftr dh tkrh gSa A fuxe ds O;olk; dh leh{kk] ;tukvksa dk la:i.k rFkk dk;kZUo;u
vkSj fofHkUu egRoiw.kZ ekeya ij ppkZ dh tkrh gS A {ks=h; cU/kd rFkk dsUh; dk;kZy; ds foHkkxk/;{k laLFkk lac/a kh fofHkUu ekeya
ij fopkj&foekZ djrs gSa A

3 3 {ks=h; lykgdkj cMZ %

{ks=h; lykgdkj cMZ dk xBu R;sd {ks= ds fy, fd;k x;k gS] t thou chek O;olk; ds {ks=karxZr mfpr fodkl d Hkkfor
djusokys lHkh ikfylh ekeya ij ppkZ ,oa leh{kk djus ds fy, l{ke gSa A

3 4 ikfylh/kkjd ifjkn %
e.Mya esa ifylh/kkjda dh ifjknsa xfBr dh x gSa A e.My ca/kda }kjk Hksts x, lHkh ekeya ij ifylh/kkjda dh ifjknsa ppkZ
djrh gSa A ppkZ fd, x, eqa esa ifylh dh lsok] cdk;k nkos] e.My esa uo O;olk; dh xfr vkSj pkj xfrfof/k;ka vkfn gSa A

3 5 thou chek fuxe vf/kfu;e ds vUrxZr funZsk %

okZ ds njku chek vf/kfu;e] 1956 dh /kkjk 21 ds varxZr Hkkjr ljdkj ls d funZs k kIr ugha gqvk A

3 6 ys[kk ijh{kd %
Hkkjr ljdkj ds iwokZueq nu ls nl QeksaZ d okZ 2009&2010 ds fy, oS/kkfud ys[kk ijh{kd fu;qDr fd;k x;k A QeksaZ ds lk>snkja ds
uke rFkk irs ifjfkV II i`B 54 esa esa nkkZ, x, gSa A
25

53

3 7 foRrh; okZ 2010&11 ds fy, ;tuk %

fuxe us foRrh; okZ 2010&11 ds fy, uo O;olk; esa fujarj o`f) dh ;tuk,a cuk gSa A uo O;olk; ds fy, okfkZd ctV
fuEukuqlkj gS %
foRrh; okZ 2010&11 ds fy, ctV
dqy ifyfl;a djM esa
4-66
` 32]000-00
,dy hfe;e djM esa
` 22]000-00
uu flaxy hfe;e djM esa
` 54]000-00
dqy hfe;e djM esa

3 8 vkHkkj nkZ u %
Hkkjrh; thou chek fuxe] vius dk;kZy;a esa fujh{k.k gsrq vk;h fofHkUu lalnh; lfefr;a] dsUh; foRr ea=h] dsUh; foRr jkT;ea=h
O;;] ,oa foRrh; lsok,a foRr ea=ky; ds chek foHkkx] foRrh; lsok,a foHkkx ,oa chek fodkl kf/kdj.k d fofHkUu eqa ij muds
lf; leFkZu] lykg ,oa lg;x ds fy, gkfnZd /kU;okn Kkfir djrk gS A
Hkkjrh; thou chek fuxe funskd e.My] dk;Zdkjh lfefr] fuosk lfefr rFkk Hkou lykgdkj lfefr ds fr rK gS] ftUgaus vewY;
fnkk&funZs k ,oa ekxZnkZu fn;k A
Hkkjrh; thou chek fuxe vius yk[ka ikfylh/kkjda ds fr Hkh rKrk O;Dr djrk gS] ftUgaus ge ij iqu% Hkjlk fd;k rFkk laxBu
d viuk leFkZu tkjh j[kk A
vfHkdrkZ rFkk Js.kh&1 rFkk Js.kh&2 vf/kdkfj;a lfgr LVkQ ds lnL;] ftUgaus laLFkk ds fodkl rFkk Nfo dh lao`f/n esa viuk ;xnku
fn;k gS] kalk ds ik= gSa A

26

53

heefjCeeceeW kee meejebMe

veJe JeJemeee
Je<e& kes oewjeve

2009-2010
(` kejes[ ceW)

2008-2009
(` kejes[ ceW)

397157.64
21.35
645.18
36951.06

363601.83
12.53
485.34
31654.92

305.91
0.23
0.19
82.18

293.34
0.07
0.16
65.46

84576.95
520.38

75318.77
347.52

18305
5190
268

15311
5484
540

186.40
149.76
51.17

201.37
110.65
5.69

2422714.40
1569.84
2381.20
223154.84

2113689.60
1581.10
2364.93
205716.13

2261.59
9.62
18.18
494.34

2102.53
9.43
18.46
448.80

457918.61
5197.96

417552.26
4176.08

125019
5974

121107
7009

764.22
70.00

624.48
22.60

Jeefkeleiele yeercee
yeercee Oeve / SvemeerDees
ke) yeerces
Ke) Jeeef<e&efkeeeB
ie) heWMeve
) mebye
hee@efueefmeeeW keer mebKee (ueeKe ceW)
ke) yeerces
Ke) Jeeef<e&efkeeeB
ie) heWMeve
) mebye
mecetn eespeveeSB
yeercee Oeve (mebye JeJemeee meefnle)
eefleJe<e& Jeeef<e&efkeeeB
eespeveeDeeW keer mebKee
mecetn yeercee (mebye JeJemeee meefnle)
meeceeefpeke megj#ee mecetn eespeveeSB
mecetn mesJeeefveJe=efe
peerJeveeW keer mebKee (ueeKe ceW)
mecetn yeercee (mebye JeJemeee meefnle)
meeceeefpeke megj#ee mecetn eespeveeSB
mecetn mesJeeefveJe=efe
eeuet JeJemeee
Je<e& keer meceeefhle hej :
Jeefkeleiele yeercee
yeercee Oeve SJeb yeesveme / SHrS
ke) yeerces
Ke) Jeeef<e&efkeeeB
ie) heWMeve
) mebye
hee@efueefmeeeW keer mebKee (ueeKe ceW)
ke) yeerces
Ke) Jeeef<e&efkeeeB
ie) heWMeve
) mebye
mecetn eespeveeSB
yeercee Oeve
eefleJe<e& Jeeef<e&efkeeeB
eespeveeDeeW keer mebKee:
mecetn yeercee
mecetn mesJeeefveJe=efe
peerJeveeW keer mebKee (ueeKe ceW)
mecetn yeercee
mecetn mesJeeefveJe=efe

27

53

heefjCeeceeW kee meejebMe (peejer)

2009-2010

2008-2009

(` kejes[ ceW)

(` kejes[ ceW)

18933.96

13791.81

37.28%

44.55%

85375.72

77577.13

2510.48

11336.47

34.52

22.25

1204.88

1321.94

922.39

205.82

mecetn yeerces
mecetn yeercee eerefceece
mecetn mesJee - efveJe=efe eerefceece

19174.44

9984.84

10576.97

8253.81

mebyebOo JeJemeee eerefceece

47252.55

34692.48

185985.91

157186.55

18.32%

5.00%

67197.89

56582.79

8589.22

3505.02

Deee

Jeefkeleiele yeercee
eLece Je<eeae eerefceece
efheues Je<e& hej eefleMele Je=ef
hejJeleea eerefceece
Skeue eerefceece SJeb cebpetj Jeeef<e&efkeeeW kes efueS eefleHeue
Jeefkeleiele heWMeve eespeveeeW
eLece Je<eeae eerefceece
hejJeleea eerefceece
cebpetj Jeeef<e&efkeeeW kes efueS eefleHeue

kegue eerefceece Deee

efheues Je<e& hej eefleMele Je=ef
efveJesMeeW mes Deee
efJeefJeOe
kegue Deee
( )
kegue Deee

28

261773.02

217274.36

36948.53

(16993.71)

298721.55

200280.65

53

heefjCeeceeW kee meejebMe (peejer)

Jee

2009-2010

2008-2009

(` kejes[ ceW)

(` kejes[ ceW)

206.88
46921.22

145.73
34744.14

8.79
7033.68
3770.54
22408.76

7.87
5961.59
2812.28
9732.36

80134.20

53250.37

yeercee OeejkeeW kees Yegieleeve

heefjhekeJelee oeJes
mebKee (ueeKe ceW)
jeefMe
ce=let oeJes
mebKee (ueeKe ceW)
jeefMe
Jeeef<e&efkeeeB
DeYe&heCe Deeefo

29

53

heefjCeeceeW kee meejebMe (peejer)

eyevOeve Jee

DeefYekelee&DeeW kees keceerMeve Deeefo

kece&eeefjeesb kees Jesleve leLee ueeYe
Deve eyevOeve Jee
kegue
Deve Jee
Deve Jee (kej, Deejef#ele kees DevlejCe, Deeefo)
kesv mejkeej kees eoe cetueve DeefOeMes<e kee heebe eefleMele
kegue
kegue Jee

2009-2010

2008-2009

(` kejes[ ceW)

(` kejes[ ceW)

12110.31

10033.24

8052.46

5773.71

4193.37

3290.58

24356.14

19097.53

3207.11

4572.45

1030.92

929.12

4238.03

5501.57

108728.37

77849.47

722236.13

614457.76

117245.29

107778.37

839481.42

722236.13

16.23%

17.54%

87288.78

72628.08

72747.39

14660.70

160036.17

87288.78

83.34%

20.19%

2009-2010

2008-2009

(` kejes[ ceW)

(` kejes[ ceW)

heefjhekeJelee

275.34

156.36

ce=leg

237.91

261.44

kegue

513.25

417.80

DeefYekelee&DeeW kees keceerMeve Deeefo

6.51%

6.38%

kece&eeefjeeW kees Jesleve leLee Deve ueeYe

4.33%

3.67%

eyevOeve kes Deve Jee

2.25%

2.09%

13.10%

12.15%

0.95%

1.03%

7.59

7.71

hee@efuemeer oseleeSb
DemebyeOo JeJemeee
Je<e& kes eejcYe ceW hee@efuemeer oseleeSb
pees[: Jee mes Deee kee DeeefOekee
Je<e& kes Devle ceW hee@efuemeer oselee
efheues Je<e& hej eefleMele Je=ef
mebye JeJemeee
Je<e& kes eejcYe ceW hee@efuemeer oseleeSb
pees[: Jee mes Deee kee DeeefOekee
Je<e& kes Devle ceW hee@efuemeer oselee
efheues Je<e& hej eefleMele Je=ef

Je<e& keer meceeefhle hej yekeeee oeJes

eyevOeve Jee kee kegue eerefceece Deee mes Devegheele

mekeue Jee Devegheele

yekeeee oeJeeW kee ose oeJeeW mes Devegheele
Deewmele peerJeve yeercee efveefOe hej eehle yeepe keer oj

30

53

meejCeer veb. 1 S :

veJe JeJemeee (Jeefkeleiele)

Yeejle ceW veJe JeJemeee

Je<e&

Yeejle kes yeenj veJe JeJemeee

kegue veJe JeJemeee

hee@efueefmeeeW
keer mebKee

yeercee
Oeve

(` kejes[ ceW)

eehe
Jeeef<e&ke
eerefceece
(` kejes[ ceW)

hee@efueefmeeeW
keer mebKee

yeercee
Oeve

(` kejes[ ceW)

eehe
Jeeef<e&ke
eerefceece
(` kejes[ ceW)

hee@efueefmeeeW
keer mebKee

yeercee
Oeve

(` kejes[ ceW)

eehe
Jeeef<e&ke
eerefceece
(` kejes[ ceW)

17961363
29322395
30578367

173662.72
363135.70
396701.12

9871.89
16858.57
20948.53

10509
11121
12274

381.08
466.13
456.52

25.74
19.75
22.26

17971872
29333516
30590641

174043.80
363601.83
397157.64

9897.63
16878.32
20970.79

4270
6505
23466

10.23
12.53
21.35

0.19
0.74
1.18

4270
6505
23466

10.23
12.53
21.35

0.19
0.74
1.18

11921
16471
18661

161.18
485.34
645.18

15.62
27.25
37.78

11921
16471
18661

161.18
485.34
645.18

15.62
27.25
37.78

7366061

61637.09

7133.83

7366061

61637.09

7133.83

Jeefkeleiele yeercee
2007-2008
2008-2009
2009-2010

meeceeve Jeeef<e&keer
2007-2008
2008-2009
2009-2010

hesvMeve
2007-2008
2008-2009
2009-2010

etefve mebyeefle
ceveer hueme
2007-2008
2008-2009
2009-2010

31

53

meejCeer veb. 1S: (peejer)

veJe JeJemeee (Jeefkeleiele)

Yeejle ceW veJe JeJemeee

Je<e&

Yeejle kes yeenj veJe JeJemeee

kegue veJe JeJemeee

hee@euf eefmeeeW
keer mebKee

yeercee
Oeve

(` kejes[ ceW)

eehe
Jeeef<e&ke
eerecf eece
(` kejes[ ceW)

hee@euf eefmeeeW
keer mebKee

yeercee
Oeve

(` kejes[ ceW)

eehe
Jeeef<e&ke
eerecf eece
(` kejes[ ceW)

hee@euf eefmeeeW
keer mebKee

yeercee
Oeve

(` kejes[ ceW)

eehe
Jeeef<e&ke
eerecf eece
(` kejes[ ceW)

8397718

1699.14

2638.82

8397718

1699.14

2638.82

ceekex hueme
2007-2008
2008-2009
2009-2010

Hee@et&ve hueme
2007-2008
2008-2009
2009-2010

209621
123925
158

3912.98
2467.29
8.42

629.05
392.08
1.16

209621
123925
158

3912.98
2467.29
8.42

629.05
392.08
1.16

3537146
1971972
631508

34458.86
18262.46
6743.07

4011.57
1988.80
813.08

3537146
1971972
631508

34458.86
18262.46
6743.07

4011.57
1988.80
813.08

986802
456163

6024.62
3142.35

782.09
410.99

986802
456163

6024.62
3142.35

782.09
410.99

26629
23828

374.92
440.97

29.17
29.93

26629
23828

374.92
440.97

29.17
29.93

3339196
5132078

722.29
1196.28

777.89
1272.91

3339196
5132078

722.29
1196.28

777.89
1272.91

101895
97437
50100

3756.69
3798.72
1835.34

109.72
105.28
49.78

101895
97437
50100

3756.69
3798.72
1835.34

109.72
105.28
49.78

43965

2629.94

43.69

43965

2629.94

43.69

11330

149.04

13.48

11330

149.04

13.48

1869029

20802.99

2547.81

1869029

20802.99

2547.81

86
35
26

12.62
4.62
2.67

1.12
0.41
0.20

86
35
26

12.62
4.62
2.67

1.12
0.41
0.20

eesHe hueme
2007-2008
2008-2009
2009-2010

hueme - 1
2007-2008
2008-2009
2009-2010

2007-2008
2008-2009
2009-2010

- 1
2007-2008
2008-2009
2009-2010

nsuLe hueme *
2007-2008
2008-2009
2009-2010

nsuLe HeesskeMeve hueme *

2007-2008
2008-2009
2009-2010

peerJeve meeLeer hueme

2007-2008
2008-2009
2009-2010

JesuLe hueme
2007-2008
2008-2009
2009-2010

et.kes. mebyeefle
2007-2008
2008-2009
2009-2010

- -

* nsuLe hueme eespevee kes Debleie&le yeerceeOeve kes kee@uece ces cespej meefpe&keue ueeYe oMee&ee ieee nw ~
32

53

meejCeer veb. 1 yeer :

Je<e&

veJe JeJemeee (mecetn)

eespeveeDeeW keer mebKee

meomeeW keer mebKee

(ueeKe ceW)

yeercee Oeve/
eefle Je<e& Jeeef<e&keer
(` kejes[ ceW)

262.88

67,784.93

mecetn yeercee (meeceeefpeke megj#ee meefnle)

2007-2008

22,113

2008-2009

20,771

311.83

75,256.56

2009-2010

23,487

336.05

84,549.77

2007-2008

445

4.21

279.04

2008-2009

540

5.69

347.52

2009-2010

268

51.17

520.38

2007-2008

46

0.29

138.38

2008-2009

24

0.19

62.21

0.11

27.18

mecetn mesJee efveJe=efe

mebyeOo JeJemeee peer hueme

2009-2010

33

53

meejCeer veb. 2 : meeceeefpeke megj#ee mecetn eespevee kes Devleie&le JeJemeee kes Devegmeej meceeefJe peerJeveeW keer mebKee kee efJeJejCe
(Devegceesefole JeJemeee)

ece
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

34

JeJemeee
yeer[er cepeotj
F& Yeer kes cepeotj
ye{F&
ceeseer
cegDeej
nceeue
nmleefMeuhe keejeriej
nLe kejIee yegvekej
nLe kejIee SJeb Keeoer yegvekej
ceefnuee opeea
ece& Geesie keeceieej
mesJee mes mebye heehe[ cepeotj
Meejerefjke Dehebie
mJe-jespeieejer Jeefkele
eeLeefceke ogiOe Glheeoke
efjkeMee eeueke / Dee@esefjkeMee eeueke
meHeeF& kece&eejer
veceke Glheeoke
leWog heee mebeenke
Menjer iejerye kes efueS eespevee
pebieue cepeotj
jsMece Glheeove cepeotj
lee[er efvekeeueves Jeeues
efyepeueer kejIee kece&eejer
hene[er #es$e keer ceefnueeSb
KeeC[mejer/Mekekej pewmes Keee heoeLe&
Jem$e
ueke[er Glheeo
keeiepe Glheeo
ece& Glheeo
heeF&
jye[ SJeb keeseuee Glheeo
ceesceyeeer Glheeo
efKeueewves efvecee&Ce
ke=<eke
heefjJenve eeueke
heefjJenve kece&eejer
eeceerCe iejerye
efvecee&Ce keeceieej
heeKee keeceieej
veeefjeue cepeotj
DeebieveJee[er efMe#eke/meneeke
keesleJeeue
heewOes ueieevesJeeues cepeotj
mJeefveeesefpele mecetn keer efm$eeeb
ceW[ heeueke
kegue Yeejle ceW

Je<e& 2009-10 kes oewjeve

vees peerJeveeW keer mebKee
(veF& leLee Jele&ceeve eespeveeDeeW
kes Devleie&le)

31.3.2010

kees
meceeefJe kegue
peerJeveeW keer mebKee

482454

51

11057

24621

946

10994

37509

77065

105716

634835

19117

4065

5282

954

4240

63

2011

86396

672915

1521

30

1090

209

1200000

1151672

3125540

2506

159572

214076

214076

2165

17407

108482

87

429

1111

5327

44066

45183

174579

1345

1345

114

198

3213925

5242978

13134

18118

27

35467

1958400

1919

734

3557

4141536

4229400

12526

21192

9102117

18443217

53

meejCeer veb. 3S

eeuet JeJemeee (Jeefkeleiele)

Yeejle ceW eeuet JeJemeee

Je<e&

hee@euf eefmeeeW
keer mebKee

yeercee Oeve/
SHeerS.
(` kejes[ ceW)

Yeejle kes yeenj eeuet JeJemeee

eehe
Jeeef<e&ke
eerecf eece
(` kejes[ ceW)

hee@euf eefmeeeW
keer mebKee

yeercee Oeve/
SHeerS

kegue eeuet JeJemeee

eehe
Jeeef<e&ke
eerecf eece

hee@euf eefmeeeW
keer mebKee

(` kejes[ ceW)

yeercee Oeve/
SHeerS
(` kejes[ ceW)

eehe
Jeeef<e&ke
eerecf eece
(` kejes[ ceW)

Jeefkeleiele yeercee
2007-2008
2008-2009
2009-2010

192428438
210154031
226057878

1485379.90
1784879.93
2061033.71

79142.55
90747.74
104631.17

98946
99201
100992

2598.25
2907.83
2757.48

145.40
150.79
145.03

192527384
210253232
226158870

1487978.15
1787787.75
2063791.18

79287.95
90898.53
104776.20

943980
942628
961860

1592.28
1581.10
1569.84

79.44
1989.28
67.37

2
2
1

0.00

943982
942630
961861

1592.28
1581.10
1569.84

79.44
1989.28
67.37

1884701
1846151
1817976

2296.41
2363.74
2379.95

1336.40
1588.73
1199.42

156
153
171

1.19
1.20
1.25

0.20
0.20
0.17

1884857
1846304
1818147

2297.59
2364.93
2381.20

1336.60
1588.93
1199.60

410613
385588
288454

1646.36
1497.80
1140.14

130.43
145.19
132.14

410613
385588
288454

1646.36
1497.80
1140.14

130.43
145.19
132.14

meeceeve Jeeef<e&keer
2007-2008
2008-2009
2009-2010

hesvMeve
2007-2008
2008-2009
2009-2010

etefve mebyeefle:
yeercee Hueme
2007-2008
2008-2009
2009-2010

35

53

meejCeer veb. 3 S (peejer)

eeuet JeJemeee (Jeefkeleiele)

Yeejle ceW eeuet JeJemeee

Je<e&

Yeejle kes yeenj eeuet JeJemeee

hee@euf eefmeeeW
keer mebKee

yeercee Oeve/
SHeerS
e.Jee.
(` kejes[ ceW)

eehe
Jeeef<e&ke
eerecf eece
(` kejes[ ceW)

hee@euf eefmeeeW
keer mebKee

yeercee Oeve/
SHeerS
e.Jee.
(` kejes[ ceW)

2502373
2338383
1464406

348.19
323.79
235.37

146.01
114.10
84.93

413219
393719
298674

5432.94
5166.90
4135.90

527.31
504.08
345.02

18140809
18044242
16463514

149069.86
130816.46
121634.46

16951.40
14800.52
12148.70

13368619
13335767
12373474

2297.04
2046.69
1801.17

209610
333131
332746

kegue eeuet JeJemeee

eehe
Jeeef<e&ke
eerecf eece

hee@euf eefmeeeW
keer mebKee

yeercee Oeve/
SHeerS
e.Jee.
(` kejes[ ceW)

eehe
Jeeef<e&ke
eerecf eece
(` kejes[ ceW)

2502373
2338383
1464406

348.19
323.79
235.37

146.01
114.10
84.93

413219
393719
298674

5432.94
5166.90
4135.90

527.31
504.08
345.02

18140809
18044242
16463514

149069.86
130816.46
121634.46

16951.40
14800.52
12148.70

3676.30
2695.03
2033.55

13368619
13335767
12373474

2297.04
2046.69
1801.17

3676.30
2695.03
2033.55

3908.34
5599.13
4892.78

628.41
619.14
273.71

209610
333131
332746

3908.34
5599.13
4892.78

628.41
619.14
273.71

3537019
5494494
6097356

34233.39
46201.11
47608.49

3982.14
5083.57
5180.33

3537019
5494494
6097356

34233.39
46201.11
47608.49

3982.14
5083.57
5180.33

986581
1431013

5752.69
7462.23

747.80
979.52

986581
1431013

5752.69
7462.23

747.80
979.52

26623
50345

368.46
740.49

28.56
52.39

26623
50345

368.46
740.49

28.56
52.39

3343316
8462219

697.44
1753.17

754.67
1770.17

3343316
8462219

697.44
1753.17

754.67
1770.17

101895
198266
247565

3743.52
7216.75
8228.04

109.70
205.17
228.85

101895
198266
247565

3743.52
7216.75
8228.04

109.70
205.17
228.85

43832

2623.53

43.24

43832

2623.53

43.24

11310

2623.53

43.24

11310

2623.53

43.24

1869364

20727.50

2548.10

1869364

20727.50

2548.10

182
207
226

31.43
28.90
29.40

2.59
2.59
2.50

182
207
226

31.43
28.90
29.40

2.59
2.59
2.50

Heegej hueme
2007-2008
2008-2009
2009-2010

peerJeve hueme
2007-2008
2008-2009
2009-2010

ceveer hueme
2007-2008
2008-2009
2009-2010

ceekex hueme
2007-2008
2008-2009
2009-2010

Hee@e&tve hueme
2007-2008
2008-2009
2009-2010

eesefHe hueme
2007-2008
2008-2009
2009-2010

ceveer hueme-1
2007-2008
2008-2009
2009-2010

Hee@e&tve hueme
2007-2008
2008-2009
2009-2010

ceekex hueme-1
2007-2008
2008-2009
2009-2010

nsuLe hueme *
2007-2008
2008-2009
2009-2010

nsuLe HeesskeMeve Hueme *

2007-2008
2008-2009
2009-2010

peerJeve meeLeer Hueme

2007-2008
2008-2009
2009-2010

JesuLe Hueme
2007-2008
2008-2009
2009-2010

et.kes. mebyeefle
2007-2008
2008-2009
2009-2010
* nsuLe

36

hueme SJe nsuLe HeesskeMeve Hueme eespevee kes Debleie&le yeerceeOeve kes kee@uece ces cespej meefpe&keue ueeYe oMee&ee ieee nw~

53

meejCeer veb. 3 yeer

Je<e&

eeuet JeJemeee (mecetn)

eespeveeDeeW keer mebKee

meome keer mebKee

(ueeKe ceW)

yeercee Oeve /
mew.ve.efJe./ e.Jee.
(` kejes[ ceW)

eerefceece Deee
(` kejes[ ceW)

mecetn yeercee (meeceeefpeke megj#ee kes meeLe)

2007-2008
2008-2009
2009-2010

1,28,840
1,21,027
124946

494.83
623.90
763.66

3,06,711.77
4,17,243.60
457628.70

12.088.24
10,006.92
19174.44

6,463
7,009
5974

15.54
22.61
70.00

3211.30
4176.08
5197.96

6,019.01
8253.81
10576.97

64
80
73

0.42
0.58
0.56

238.67
308.66
289.91

83.15
50.93
52.11

mecetn mesJee efveJe=efe

2007-2008
2008-2009
2009-2010

mebyeOo JeJemeee peer hueme

2007-2008
2008-2009
2009-2010

37

38

kegue

efuebke[ hueeve-ceekex hueme

Yeejle ceW

kegue

efuebke[ hueeve-ee@efHe hueme

Yeejle ceW
kegue

67430693000
67430693000

631508
631508

84185000

efuebke[ hueeve-ceveer hueme

Yeejle ceW

158

kegue

kegue

efuebke[ hueeve-peerJeve hueme

Yeejle ceW

84185000

kegue

158

efuebke[ hueeve-Heegej hueme

Yeejle ceW

efuebke[ hueeve-Hee@et&ve hueme

Yeejle ceW

kegue

213533705

23466

213533705

3971576360505

30590641

4565176036

23466

3967011184469

12274

5936176000

5936176000

8942965915

8942965915

25104767643

279519391

8130792000

8130792000

11551750

11551750

11801419

11801419

209707901462

222624228

209485277234

(5)

(`)

Jeeef<e&ke hejJeleea
eerefceece

kes oewjeve Deoe efkeee ieee nw

24825248252

(4)

(` )

(` )
(3)

Skeue
eerefceece*

2009-2010

yeercee-jeefMe leLee
Jeeef<e&efkeeeB eefleJe<e&

30578367

(2)

hee@efueefmeeeW keer
mebKee

veJe peerJeve yeercee JeJemeee efpemekee eerefceece Je<e&

etefve efuebke[ hueeve-yeercee hueme

Yeejle ceW

kegue

Jeeef<e&keer mebefJeoeeW, Deeefo

Yeejle ceW
Yeejle kes yeenj

kegue

meeOeejCe hee@efueefmeeeB **
Yeejle ceW
Yeejle kes yeenj

(1)

meejCeer veb. 4

ehe$e [er[er
hee@efuemeer kes yeejs ceW meebefJeefOeke efJeJejCe
31.3.2010

6097356

6097356

332746

332746

12373474

12373474

16463514

16463514

298674

298674

1464406

1464406

288454

288454

961861

961860

226158870

100992

226057878

(6)

hee@efueefmeeeW keer
mebKee

Je<e&

476084949500

476084949500

48927750000

48927750000

18011666000

18011666000

1216344642225

1216344642225

41359020500

41359020500

2353722500

2353722500

11401415700

11401415700

15698445673

2043

15698443630

24227143950873

32774809567

24194369141306

(7)

(`)

yeesveme meefnle
yeercee-jeefMe leLee
Jeeef<e&efkeeeB eefleJe<e&

59892945217

59892945217

2024331705

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20686783178

108801162656

108801162656

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1741574147

906197738

906197738

669060500

669060500

9628421930

9628421930

1068886670131

1708424167

1067178245964

(8)

(`)

eerefceece Deee pees

jepemJe uesKes ceW
efoKeeF& ieF& nw

keer meceeefhle hej kegue eeuet yeercee JeJemeee

53

26299380000
26299380000
1490435000
1490435000
208029865000
208029865000
26661150
26661150
***

***
845497673000
845497673000
5203786483
5203786483

43965
43965
11330
11330
1869029
1869029
26
26
18661

18661
23487
23487
268
268

mecetn yeercee heeBeuf eefmeeeb

kegue

***

0
0

78456255199
78456255199

108131474976
108131474976

280935381

280935381

3575318
3575318

52668478500
52668478500

141035000
141035000

173363438004
173363438004

345119049
345119049

322200000
322200000

14060769007
14060769007

9634055686
9634055686

377839430

377839430

2022570
2022570

25478144700
25478144700

134839000
134839000

436862400
436862400

497751608
497751608

12729108250
12729108250

299336000
299336000

4109882000
4109882000

(5)

(`)

Jeeef<e&ke hejJeleea
eerefceece

kes oewjeve Deoe efkeee ieee nw

31.3.2010

73
73

5974
5974

124946
124946

1817976
171
1818147

226
226

1869364
1869364

11310
11310

43832
43832

247565
247565

8462219
8462219

50345
50345

1431013
1431013

(6)

hee@efueefmeeeW keer
mebKee

Je<e&

nsuLe hueme SJeb nsuLe HeesskeMeve Hueme eespevee kes Debleie&le yeerceeOeve kes kee@uece cesb cespej meefpe&keue ueeYe oMee&ee ieee nw~

(lelkeeue DeLeJee efJeuebefyele Jeeef<e&efkeeeW kes eefleHeue Deewj Deve meYeer eerefceeceeW meefnle pees Meg ceW ner efoes peeles nQ Deewj peneB yeeo kes eerefceece ose venerb nesles~
(meeOeejCe heeefuemeereeB Jeefkeleiele yeerceeW kee mebkesle kejleer nw~
mewOoebefleke vekeo efJekeuhe = ` 645,17,56,697

efuebke[ kekemeee (peer +)

kegue

**

18353390000
18353390000

50100
50100

271810000
271810000

11962785000
11962785000

5132078
5132078

8
8

4409690000
4409690000

23828
23828

mecetn keeef<e&ke mebekf eoeSB Deeefo

kegue

31423520000
31423520000

(4)

(`)

(`)
(3)

Skeue
eerefceece*

2009-2010

yeercee-jeefMe leLee
Jeeef<e&efkeeeB eefleJe<e&

456163
456163

(2)

hee@efueefmeeeW keer
mebKee

veJe peerJeve yeercee JeJemeee efpemekee eerefceece Je<e&

ehe$e [er[er
hee@efuemeer kes yeejs ceW meebefJeefOeke efJeJejCe

efuebke[ hueeve-ceveer hueme 1

Yeejle ceW
kegue
efuebke[ hueeve
Yeejle ceW
kegue
efuebke[ hueeve-ceekex hueme 1
Yeejle ceW
kegue
efuebke[ hueeve-nsuLe hueme #
Yeejle ceW
kegue
efuebke[ Hueeve nsuLe HeesskeMeve Hueme #
Yeejle ceW
kegue
efuebke[ Hueeve peerJeve meeLeer Hueme
Yeejle ceW
kegue
efuebke[ Hueeve JesuLe Hueme
Yeejle ceW
kegue
et.kes. mebyeefle
Yeejle kes yeenj
kegue
HeWMeve
Yeejle ceW
Yeejle kes yeenj
kegue

(1)

meejCeer veb. 4

2899114128
2899114128

51979557458
51979557458

4576287023604
4576287023604

23799460781
12509100
23811969881

293999468
293999468

207275043000
207275043000

1421550000
1421550000

26235300000
26235300000

82280390000
82280390000

17531670000
17531670000

7404930000
7404930000

74622345000
74622345000

(7)

(`)

yeesveme meefnle
yeercee-jeefMe leLee
Jeeef<e&efkeeeB eefleJe<e&

521100597
521100597

105769726651
105769726651

191744396002
191744396002

11988193201
1386555
11989579756

27228302
27228302

74604638985
74604638985

258674363
258674363

460539425
460539425

2204022058
2204022058

189650197075
189650197075

816914049
816914049

9356173898
9356173898

(8)

(`)

eerefceece Deee pees

jepemJe uesKes ceW
efoKeeF& ieF& nw

keer meceeefhle hej kegue eeuet yeercee JeJemeee

53

39

53

(` kejes[ ceW)

peerJeve efveefOe, kegue DeefOeMes<e, kesv mejkeej kees eoe efnmmee SJeb eoe kej
(` kejes[ ceW)

meejCeer veb. 5
Je<e&

peerJeve efveefOe

cetueve DeefOeMes<e
(peerJeve)

jeskee ieee DeefOeMes<e

kesv mejkeej kees eoe

5% efnmmee
(peerJeve JeJemeee)

100% efnmmee (hetBpeer ceeseve

kesv mejkeej kees

SJeb efve. Jee. JeJemeee)

mejkeej kees eoe

kej keer jeefMe
(peerJeve)

2007-2008

686616.45

16590.14

829.59

3510.45

2008-2009

809524.91

18582.32

929.12

3348.48

2009-2010

999517.59

20618.45

1030.92

3625.29

(100 kejes[ ceW) = 1

40

53

31

ceee&

2010 kees

efveJesMe

meejCeer veb. 6
(` kejes[ ceW)
Yeejle ceW efveJesMe
I

$e+Ce

eefleYetefleeeB

III

Deve efveJesMe
kegue (Yeejle ceW)

85104.36
1005112.75
4500.99
1094718.10

Yeejle kes yeenj efveJesMe

I

$e+Ce

106.40

eefleYetefleeeB

961.06

III

DeeJeemeere mecheefeeeB
kegue (Yeejle kes yeenj)
kegue pees[ (Yeejle ceW SJeb Yeejle kes yeenj) [mekeue]

55.78
1123.24
1095841.34

41

53

efJeefYevve DeeOeeefjle mebjeveemeefnle leLee meceepeesvcegKe keejCe

efJeefYevve nefmleeeW kees Deefece efoS ieS $e+Ce Deewj $e+Cehe$e
meejCeer veb. 7
2009-2010

Je<e& ceW
oer ieF& Deefece jeefMe
(` kejes[)

1.
2.

3.
4.
5.

efJeegle
DeeJeeme
ke) DeeJeeme eespeveeDeeW kes efueS jepe mejkeejeW kees efoes iees $e+Ce
Ke) efMeKej menkeejer DeeJeeme efJee meefceefleeeB Deewj Deve kees efoes iees $e+Ce
ie) DeeJeeme efJee kebheveereeW kees efoS iees $e+Ce, $e+Ce he$e, Fleeoer
peueehetefle& Deewj ceue-efvekeeme eespeveeSB
heefjJenve
Deve DeeOeeefjle mebjeveeSB
kegue

42

13044.74

30.08
27.00
3977.69
47.00
680.87
3001.36
20808.74

53

meejCeer veb. 8

oeJeeW kee efveheeve

Je<e& kes oewjeve efveheeS iees oeJes
(S) heefjhekeJelee
mebKee
ueeKe ceW

Je<e&

(yeer) ce=leg
jeefMe
kejes[ ceW

mebKee
ueeKe ceW

jeefMe
kejes[ ceW

2007-2008

135.66

32908.33

8.14

5955.68

2008-2009

145.73

34595.59

7.87

5489.53

2009-2010

206.88

46727.20

8.79

6808.62

: , met#ce leLee hesbMe>e SJeb mecetn eespe>eeSb

. 9

31 2010

eme

jepe

perkeve

985927

382398

1297

1364232

1161154

37546

10

604687

11

299624

12

1869176

13

333870

14

397409

15

148452

kegue

5000
5368797

86097

13045666

43

53

heefjefMe - I
fuxe ds lnL;
uke ,oa inuke

kS { kf.kd ;X;rk

fokskKrk dk {ks=

funs kudkfjrk
dk in

cSBda esa mifLFkfr

Jh Vh-,l-fot;u]

ch-,Lklh foksk rFkk

eSustesaV fMIyek

chek

v/;{k

v/;{k

Jh Mh-ds - es g j=k]

ch-,Lklh vkWulZ

chek

cU/k funskd

,e-,-vFkZkkL=] ,y,ych]
,vk;vk;vk;] ihthMh,e foi.ku

chek

cU/k funskd

ch-,Lklh vkWulZ
ihthMhih,e

chek

cU/k funskd

,e-,-vFkZkkL=]
Hkkjr ljdkj
fMIyek
ds foRrh; lfpo 14-05-2009 ls lnL; ek ysoy Iykfuax

vFkZkkL=
,oa
yd kklu

lnL;

Jh vkj-xikyu]

,e-,-vFkZkkL= cLVu
foofo|ky;],ech, lkoZtfud
kklu gkoZMZ foofo|ky;
ch--esdWfudy]
,vk;vk;vk;] ihthMh,e

vFkZkkL=
,oa
yd kklu
chek

lnL;

insu

ch-,Lklh vkWulZ rFkk

lh,vk;vk;ch

cSafdax

lnL;

,e~-,Lklh- HkfrdkkL=]
flLVe eSuts esVa esa fMIyek]
lh,vkvkch

cSafdax

lnL;

**

,e-,-] ih,p-Mh-

lkekftd dk;Z

xSj&ljdkjh lnL;

okf.kfT;d Bsdsnkjh
,oa foi.ku
vfHk;kaf=dh

xSj&ljdkjh lnL;

xSj&ljdkjh lnL;

lsokfuo`Rr egkfunskd
,e rFkk lhuh;j duZy dekaMVa

ch-,Lklh esdWfudy vfHk;kaf=dh]

,e--esdWfudy vfHk;kaf=dh
,e--] ihthMh,e baMLVh;y
eSustesVa ],,evk; ,oa ,Qvk;]
,e-fQy laj{k.k vH;kl

Jh vuqi dkk xxZ

ch-,Lklh xf.kr] ,Qlh,

ys[kk ijh{k.k] R;{k ,oa

vR;{k dj] tsDV QkbukfUlax

xSj&ljdkjh lnL;

**

ch--vkWulZ esdWfudy]
,ech,

eSustesaV dUlYVUlh

xSj&ljdkjh lnL;

**

cU/k funskd

Jh Fkel eSF;w Vh-]

cU/k funskd

Jh ,-ds - nklxq I rk]

cU/k funskd

Jh vkd pkoyk]

lfpo] foRrh; lsok,a foHkkx]

Hkkjr ljdkj 19-02-2010 ls lnL;

Jh ;xs k yfg;k]
v/;{k&lg&cU/k funskd]
lk/kkj.k chek fuxe

Jh Mh-,y-jkoy]
v/;{k&lg cU/k funskd]
nsuk cSda 15-01-2010 ls 25-07-2010

Jh ,l- Jh/kj
v/;{k&,oa&cU/k funskd]
lsVa y cSda vkWQ bafM;k
26-07-2010 ls lnL;

M- lq j ukM jktls [ kjUk

Jh eful vkj-fdno]
lsokfuo`Rr egkcU/kd] Hksy

ysVuaV tujy vjfoan egktu]

19-07-2010 ls lnL;

Jh lat; tSu
06-10-2010 ls lnL;
*
**

foRrh; okZ 2009&10 dh vafre cMZ cSBd ds ipkRk lnL; ds :i esa fu;qDr
orZeku foRrh; okZ 2010&11 ds njku fu;qDr

44

53

dk;Zdkjh lfefr ds lnL;

uke rFkk inuke
Jh Vh-,l-fot;u] v/;{k
Jh Mh-ds-esgj=k] cU/k funskd
Jh Fkel eSF;w Vh-] cU/k funskd
Jh ;xsk yfg;k] v/;{k&lg&cU/k funskd] lk/kkj.k chek fuxe
Jh ,l- Jh/kj] v/;{k ,oa izcU/k funs'kd] lsVa y cSda vkWQ bafM;k 26-07-2010 ls lnL;
Jh ,-ds-nklxqIrk] cU/k funskd (fo'ks"k vkeaf=r)
* orZeku foRrh; o"kZ 2010&11 ds nkSjku lnL; ds #i esa fu;qDr
fuos'k lfefr ds lnL;
uke rFkk inuke
Jh Vh-,l-fot;u] v/;{k
Jh Fkel eSF;w Vh-] cU/k funskd
Jh vkj-xikyu] lfpo] Mh,Q,l] 19-02-2010 ls
Jh ;xsk yfg;k] v/;{k&lg&cU/k funskd] lk/kkj.k chek fuxe
Jh ,l- Jh/kj] v/;{k ,oa izcU/k funs'kd] lsVa y cSda vkWQ bafM;k 26-07-2010 ls lnL;
Jh Vh- HkkxZo] fu;qDr chekadd
Jh Mh-ds-esgj=k] cU/k funskd (fo'ks"k vkeaf=r)
Jh ,-ds-nklxqIrk] cU/k funskd (fo'ks"k vkeaf=r) 05-08-2010 ls lnL;
M- lqjukM jktls[kjUk] 30-10-2010 ls lnL;
* orZeku foRrh; o"kZ 2010&11 ds nkSjku lnL; ds #i esa fu;qDr
Hkou lykgdkj lfefr ds lnL;
Jh Vh-,l-fot;u] v/;{k
Jh Fkel eSF;w Vh-] cU/k funskd
Jh eksful vkj- fdnobZ
Jh ds- Vh- xq#eq[kh
Jh ok;- ,u- jkeewfrZ

cSB dksa esa mifLFkfr

4
4
4
3
*
4

cSB dksa esa mifLFkfr

11
11
1
9
*
10
11
11
*

ys[kk ijh{k.k lfefr ds lnL; #

Jh vuqi izdk'k xxZ 19-07-2010 ls lnL;
Jh ;xsk yfg;k]
Jh eksful vkj- fdnobZ
tksf[ke izcU/ku lfefr ds lnL; #
Jh ;xsk yfg;k] v/;{k&lg&cU/k funskd] lk/kkj.k chek fuxe
ysVuaV tujy vjfoan egktu
Jh eksful vkj- fdnobZ
ifjlEifRr nkf;Ro lfefr ds lnL;
Jh Mh-ds-esgj=k
Jh ,-ds-nklxqIrk
Jh ,l- Jh/kj

chek/kkjd laj{k.k lfefr ds lnL; #

Jh Fkel eSF;w VhM- lqjukM jktls[kjUk
ysVuaV tujy vjfoan egktu
* foRrh; o"kZ 2010&11 ls vkbZvkjMh, ds fn'kk & funs'Z kksa ds vuqlkj lfefr;ksa dk xBu fd;k x;k gSs A
45

53

31.03.2010

Jh Vh-,l-fot;u]
v/;{k

Jh vkj- vkj- nkk

{ks=h; ca/kd Hkkjh] {ks=h; dk;kZy;] dydkrk

Jh Mh-ds - es g j=k]
cU/k funskd

Jh th-ch- ikaM s
{ks=h; ca/kd Hkkjh] {ks=h; dk;kZy;] Hkiky

Jh Fkel eS F ;w Vh-]
cU/k funskd

Jh ,- ds- lkgw
dk;Zdkjh funskd dk;kZy; lsok@,l-ch-;w-&lEink] dsa h; dk;kZy;] eqca

Jh ,-ds - nklxq I rk]

cU/k funskd

Jh ch-,u- lkey
kpk;Z] {ks=h; fk{k.k dsa ] gSnjkckn

Jh vkd kkg
ps;j Qslj] ,u-vk;-,] iq.ks

Jherh ,l-ih- lq d q e kj
dk;Zdkjh funskd ;q ,UM vkj dsa h; dk;kZy;] eqac

Jh Vh- pVik/;k;
dk;Zdkjh funskd foi.ku]dsa h; dk;kZy;] eqca bZ

Jh vkj-vkj- jk;
dk;Zdkjh funskd ,l-ch-;w&varjkVh; pkyu@lh-lh] dsa h; dk;kZy;] eqca

Jh ,l- j; p/kjh
{ks=h; ca/kd Hkkjh] {ks=h; dk;kZy;] eqca

Jherh fQyfeuk Fkel

kpk;Z] {ks=h; fk{k.k dsa] xqMx+ kao

Jh vkj- vkj- uk;j

eq[; dk;Zdkjh,y-vk-lh- ,p-,Q-,y-] djijsV dk;kZy;] eqca bZ

Jh ds - ch- lkgk
dk;Zdkjh funskd ,p-vkj-Mh-@vks-Mh-@lh-ih-] dsa h; dk;kZy;] eqca

Jh ,u- egujkt
dk;Zdkjh funskd fuosk&pkyu] dsa h; dk;kZy;] eqca

Jh ,l- ds - j;
{ks=h; ca/kd Hkkjh] {ks=h; dk;kZy;] dkuiqj

M- ,p- lk/kd
eq[; dk;Zdkjh ,y-vk-lh-isUku Q.M fy- dsUh; dk;kZy;] eqca

Jh oh- ds- kekZ

{ks=h; ca/kd Hkkjh] {ks=h; dk;kZy;] psUu

Jherh Mh- fot;kyf{e

dk;Zdkjh funskd dkfeZd] dsa h; dk;kZy;] eqac

Jh oh- ef.kDde
dk;Zdkjh funskd fuosk&ekfuVfjax ,oa vdkVhax dsa h; dk;kZy;] eqca

Jh ,y- ,e-ygkuh
dk;Zdkjh funskd vads{k.k dsa h; dk;kZy;] eqac

Jh ,l- gfjgju
kpk;Z] {ks=h; fk{k.k dsa ] psUu

Jh ,l- ds - fekj
ca/k funskd ,oa lhvks] vkMhchvk VLV lfoZl]da fy-] eqca

Jh ch- ef.ko..kUk~
dk;Zdkjh funskd vk Vh @chihvkj]dsa h; dk;kZy;] eqca

Jh oh- ds - flUgk
{ks=h; ca/kd Hkkjh] {ks=h; dk;kZy;] fnYyh

Jherh kk lka x oku

dk;Zdkjh funskd R;{k foi.ku ] dsUh; dk;kZy;] eqac

Jh ,l- ljdkj
eq[; dk;Zdkjh,-,e-lh-] djijsV dk;kZy;] eqac

Jh ,l- ch- eS u kd
ladk; lnL;-],u-vk-,-] iq.ks

Jherh xik js
eq[k lrdZrk vf/kdkjh th-vk;-lh-@U;q bafMa;k ,;jsla da-] eqca frfu;qfDr ij

Jh ,- ih- flag
eq[; dk;Zdkjhdsvj ge] dsah; dk;kZy;] eqac

Jherh ,l- p/kjh

funskd cU/k fodkl dsa ] eqca

Jh jkts k da M oky
dk;Zdkjh funskd ,ech,lh]dsa h; dk;kZy;] eqca

Jherh Vh- Vh- eS F ;w

dk;Zdkjh funskd U;w tsDVl @ lh ih vk; vks] dsa h; dk;kZy;] eqca

Jh ,l- lh- jkBh

dk;Zdkjh funskd fok ,ao ys[kk]dsa h; dk;kZy;] eqac

Jh Mh-Mh- fla g
{ks=h; ca/kd Hkkjh {ks=h; dk;kZy;] gSnjkckn

Jh Mh- rjQnkj
dk;Zdkjh funskd lh-vkj-,e-] dsa h; dk;kZy;] eqca

Jh clojktw
{ks=h; ca/kd Hkkjh] {ks=h; dk;kZy;] iVuk

Jh ,p- HkkxZ o
funskd ,oa eq[; dk;Zdkjh] ,y-vk-lh dkMZ lfoZlsl] dsa h; dk;kZy;] fnYyh

46

53

Jh ,u- ch- lkBs

dk;Zdkjh funskd eq[; thou chek lykgdkj ;tuk] dsa h; dk;kZy;] eqca

Jh ,u- feJk
knsfkd ca/kd lh-vkj-,e] {ks=h; dk;kZy;] iVuk

Jh ch- os . kq x iky
dk;Zdkjh funs'kd lwpuk |fxdh & lalk/ku fodkl] dsa h; dk;kZy;] eqca

Jh ,e- vkj- dqekj

knsfkd ca/kd foi.ku {ks=h; dk;kZy;]psUu

Jh oh- lkg
kpk;Z] {ks=h; fk{k.k dsa ] dydkrk

Jh fofiu vkua n
knsfkd ca/kd dkfeZd ,ao vkS|fxd lac/a k] {ks=h; dk;kZy;] dkuiqj

Jh ,l- JhokLro
eq[; lfpo] eqca chek laLFkku] eqca

Jh ,u- ps V ~ V h
mi kpk;Z] {ks=h; fk{k.k dsa ]dydkrk

Jh fnyhi fVDdw
kpk;Z] {ks=h; fk{k.k dsa ]Hkiky

Jh ih- vUuknq j
knsfkd ca/kd dkfeZd ,ao vkS|fxd lac/a k] {ks=h; dk;kZy;] dkuiqj

Jh ih- jkeew f rZ
kpk;Z] {ks=h; fk{k.k dsa ]vdqMhZ

Jh ih- ds - djekdj
knsfkd ca/kd foi.ku] {ks=h; dk;kZy;] dkuiqj

Jh oh- ds- dqdjstk

dk;Zdkjh funskd tf[ke ca/ku ,oa vuql/a kku ] dsa h; dk;kZy;] eqac

Jh ,e-vkj- ckyk.ku
knsfkd ca/kd lh-vkj-,e- {ks=h; dk;kZy;] gSnjkckn

Jh ,p- lh- feJk

eq[; dk;Zdkjh frfu;qfDr ij] ,l-vk-lh-lh-vk-] fj;k/k

Jh uhjt vxz o ky
knsfkd ca/kd dkfeZd ,ao vkS|fxd lac/a k] {ks=h; dk;kZy;] fnYyh

Jh ih- ds- jFk

funskd] eqac chek laLFkku] eqca

Jh vkj- lh- nkk

knsfkd ca/kd foi.ku {ks=h; dk;kZy;] gSnjkckn

dq e kjh ,l-,l- fM[kys

dk;Zdkjh funskd ek ba;jsla ]dsa h; dk;kZy;] eqca

Jh Mh- nkl
knsfkd ca/kd dkfeZd ,ao vkS|fxd lac/a k] {ks=h; dk;kZy;] iVuk

Jherh lq u hrk kekZ

dk;Zdkjh funskd isa ku ,oa lewg ;tuk] dsa h; dk;kZy;] eqca

Jh ,u- ih- pkoyk

knsfkd ca/kd dk;kZy; lsok ] {ks=h; dk;kZy;] fnYyh

Jh ,l- ,u- HkV~ V kpk;kZ

knsfkd ca/kd foi.ku {ks=h; dk;kZy;] eqca

Jh oh- lR; dq e kj
knsfkd ca/kd foi.ku] {ks=h; dk;kZy;]eqca

Jh oh- ts- flag

knsfkd ca/kd lEink ,oa dk;kZy; lsok {ks=h; dk;kZy;] psUu

Jh vkj- lq n kZ u
knsfkd ca/kd dk;kZy; lsok] {ks=h; dk;kZy;] dydkrk

Jh-,l-vkj- HkV~ V kpkthZ

knsfkd ca/kd lEink ,oa dk;kZy; lsok {ks=h; dk;kZy;] gSnjkckn

Jh Vh- lh- lq khy dq e kj

knsfkd ca/kd foi.ku] csxa ywj] nf{k.k e/; {ks=h; dk;kZy;] gSnjkckn

Jh ,e- ds- Va d
ladk; lnL;-],u-vk-,-]iq.ks

Jh eqdsk dqekj xqIrk

eq[kfoi.ku] dsa h; dk;kZy;] eqca

Jherh vkj- HkV~ V kpk;kZ

egklfpo] thchvklh ] eqac

Jh jktdq e kj
eq[kdkfeZd] dsah; dk;kZy;] eqac

Jh Vh- Vh- dcq

knsfkd ca/kd lEink {ks=h; dk;kZy;]eqca

Jh ,p-,l- kfkdq e kj
knsfkd ca/kd lEink ,oa dk;kZy; lsok] {ks=h; dk;kZy;] iVuk

Jh vkj- th- fkUns

knsfkd ca/kd dk;kZy; lsok] {ks=h; dk;kZy;] eqca

Jh ih-,p- dq V q E cs
eq[kfuosk&pkyu] dsa h; dk;kZy;] eqca

dq e kjh iw u e cnjk
eq[k fujh{k.k] dsa h; dk;kZy;] eqca

Jh ,l- ca n ik/;k;
eq[kfuosk] dsa h; dk;kZy;] eqca

Jh ds- x.ksk
eq[k LokLF; chek] {ks=h; dk;kZy;]gSnjkckn

Jh vkj- jfopa u
knsfkd ca/kd dkfeZd ,ao vkS|fxd lac/a k {ks=h; dk;kZy;]dydrk
47

53

Jh vkj- rkenju
eq[; dk;Zdkjh ,oa ca/k funskd],y-vk-lh- varjkVh; ch-,l-lh-lh] cgjhu

Jh efga n j iky
knsfkd ca/kd lEink ,oa dk;kZy; lsok] {ks=h; dk;kZy;] dkuiqj

Jh oh- pa ks [ kju
tu-esustj ,p-,Q-,y-] djijsV dk;kZy;] eqca

Jh jkdsk dqekj
knsfkd ca/kd laink] {ks=h; dk;kZy;] fnYyh

Jh Vh- oh- jko

knsfkd ca/kd lh-vkj-,e] {ks=h; dk;kZy;] eqca

Jh th-lh-ikuh
knsfkd ca/kd lEink ,oa dk;kZy; lsok] {ks=h; dk;kZy;] Hkiky

Jh lkn jfoka d j
knsfkd ca/kd dkfeZd ,ao vkS|fxd lac/a k {ks=h; dk;kZy;] eqca

Jh ts - ,e-kekZ
eq[k,QihVh rFkk mRiknu fodkl]dsa h; dk;kZy;] eqca

Jh dq.ksy se
lykgdkj ,oa foksk vf/kdkjh ykQ vkvkjMh,]gSnjkckn frfu;qfDr ij

Jh ,l-ds - flUgk
knsfkd ca/kd foi.ku] {ks=h; dk;kZy;] iVuk
Jh oh- fot;jk?kou
knsfkd ca/kd lh-vkj-,e- {ks=h; dk;kZy;] dydkrk

lq J h fdj.k lgns o
knsfkd ca/kd dkfeZd ,ao vkS|fxd lac/a k] {ks=h; dk;kZy;] Hkiky

Jh la t ho dq e kj
knsfkd ca/kd foi.ku] {ks=h; dk;kZy;] Hkiky

Jh jfo p/kjh
tu-esustj ,y-vk-lh-,e-,Q-& ,-,e-lh- djijsV dk;kZy;] eqca

Jh ds - ds - fla ? ky
eq[k fuosk&ekfuVfjax ,oa vdkVhax]dsa h; dk;kZy;] eqca

Jh ,l- ds - nkl
tu-esustj ,y-vk-lh-,e-,Q-& ,-,e-lh- djijsV dk;kZy;] eqca

Jh ,l-Hkkr
knsfkd ca/kd foi.ku] {ks=h; dk;kZy;] fnYyh

Jh ,l- uYykdq V ~ V ye
mi kpk;Z] {ks=h; fk{k.k dsa ] psUu

Jh vfer ;kno
dk;Zdkjh funskd vfHk;kaf=dh dsa h; dk;kZy;] eqca

Jh ih- lR;kua n e
eq[k isa ku ,oa lewg ;tuk & ,l-ch-;w-] dsa h; dk;kZy;] eqca

Jh ,- lh- HkkfV;k
eq[k vfHk;ark vfHk;kaf=dh] {ks=h; dk;kZy;] fnYyh

Jherh ,p- ,y- dq # i

knsfkd ca/kd dkfeZd ,ao vkS|fxd lac/a k {ks=h; dk;kZy;] gSnjkckn

Jherh r` f Ir Mh- eka M ys d j

eq[k vkfdZVsDV vfHk;kaf=dh]dsa h; dk;kZy;] eqca

Jh ih- os . kq x iky
eq[k fuosk]dsa h; dk;kZy;] eqca

Jh ,l- Fka x os y
eq[k lEink ,oa dk;kZy; lsok]dsa h; dk;kZy;] eqca

Jh ds - ,l- ukxU;ky
knsfkd ca/kd foi.ku] {ks=h; dk;kZy;] dydkrk

Jh Mh- ds- csuthZ

eq[k vfHk;ark vfHk;kaf=dh] {ks=h; dk;kZy;] dydkrk

Jh lh- fodkl jko

knsfkd ca/kd lh-vkj-,e- {ks=h; dk;kZy;] Hkiky

Jh Vh- vkj- os . kq x iky

eq[k vfHk;ark vfHk;kaf=dh] {ks=h; dk;kZy;] psUu

Jh Vh- fl/nkFkZ u
eq[k fof/k] dsa h; dk;kZy; rFkk vfrfjDr izHkkj
cMZ lfpoky;@dEyk;Ul@Lo.kZt;afr QkaMs ku] eqca

Jh vfero porhZ
eq[k vfHk;ark vfHk;kaf=dh] {ks=h; dk;kZy;] eqca

Jh ,l- oh-je.kjko
knsfkd ca/kd laink] {ks=h; dk;kZy;] dydkrk

Jh ,u- vkj- ukMxa M h

eq[k vfHk;ark vfHk;kaf=dh] {ks=h; dk;kZy;]Hkiky

Jh ch-lh-fcLokl
knsfkd ca/kd lh-vkj-,e- {ks=h; dk;kZy;] fnYyh

Jh oh- ds - lDls u k
eq[k vfHk;ark vfHk;kaf=dh] {ks=h; dk;kZy;] dkuiqj

lq J h inetk HkkLdju
mi kpk;Z] {ks=h; fk{k.k dsa ] Hkiky

Jh lh- gfjgju
eq[k vfHk;ark vfHk;kaf=dh] {ks=h; dk;kZy;] gSnjkckn

Jh vkj-ds - lq n
knsfkd ca/kd lh-vkj-,e- {ks=h; dk;kZy;] dkuiqj

Jh /keZ dqekj
eq[k vfHk;ark vfHk;kaf=dh] {ks=h; dk;kZy;]iVuk
Jh Vh-HkkxZ o k]
fu;q D r cheka d d

48

53

{ks=h; lykgdkj cMZ ds ln~L; 31-03-2010 dks

e/; {ks=

mkjh {ks =

Jh Vh-,l-fot;u] v/;{k
Jherh fp=k kekZ
M- eut dqekj feat
M- dkk vxzoky
Jh lanhi tSu
Jh enu yky tSu
Jh jfo dqekj vxzoky
Jh ekaxh yky Mkxk
Jh iadt dqekj fuxe
Jh th- ch- ikaM]s {ks=h; ca/kd insu lnL;

Jh Vh-,l-fot;u] v/;{k
Jh vfer piMk
Jh lanhi lDlsuk
M- egsk dqekj esgrk
-fot; vl/khj
Jh ftxfer ueKky
Jh jktho lwn
Jh xqykc flag jkBh
M- lfu;k efyd
Jh oh-ds-flUgk] {ks=h; ca/kd insu lnL;

iwohZ {ks=

nf{k.k e/; {ks=

Jh Vh-,l-fot;u] v/;{k
Jh Vh-ds-xqIrw
Jh ,u-ds-?kk
Jherh kfeZBk fe=k
M- vkuank xiky ?kk
Jh leukFk xqu
M- fgrsk pa nkl
Jh T;fr yky p/kjh
Jh ,e-ds-cjMy
Jh vkj- egu nkl
Jh foosdkuan f=ikBh
Jh vkj- vkj- nkk] {ks=h; ca/kd insu lnL;

Jh Vh-,l-fot;u] v/;{k
Jh lh jeukpkjh
M- dkdh lackflo jko
Jh csYye dV;k
Jh getk ds esgnh
ysV-ts-oh-oh-,l-ewfFkZ
M-vkj-iwf.kZek
Jh Loknh mn; y{e.k
Jh ujsa ,y- uk;d
Jh ,u- fnokdj jko
Jh Mh- Mh- flag] {ks=h; ca/kd insu lnL;

iwohZ e/; {ks=

Jh Vh-,l-fot;u] v/;{k
M-ds- eh.kk
M- t;k jeu
Jh t;iky lsfa Fkydqekj
Jh ds-x.ksk ckcw
Qknj ,l-varuhlkeh
Jh -,e-uthc
Jh Mh-ch-fcuw chuk lnkue
Jh ds-vkj-lqcez f.k;e
Jh oh-ds-kekZ] {ks=h; ca/kd insu lnL;

Jh Vh- ,l-fot;u] v/;{k

Jh bathr flag
M- js.kw jatu
Jh isfVd feat
Jh ,l- ds- vxzoky
M- Mh-oh-jeuk
Jh fcun dqekj ialkjh
Jh nhid diwj
M- en ikBd
Jh clo jktw] {ks=h; ca/kd insu lnL;

mkj e/; {ks=

Jh Vh- ,l-fot;u] v/;{k
M- .ku egu
M- xiky lkn
M- vkd dqekj flag
Jh lat; xqIrk
- tkosn v[rj
Jh jfo vxjoky
M- oh- ds- kekZ
M-Jherh fQyehuk fjpMZl
Jh ,l~- ds- jkW;] {ks=h; cad insu lnL;

nf{k.k {ks=

ifpeh {ks =
Jh Vh-,l-fot;u] v/;{k
Jh foosd ,l- nskikaMs
Jh mUes"k ds- esgrk
Jh ijsk ;w- xk;raMs
M- lrhl lh ok?k
Jh g"kZn y{eh pan kkg
Jh fouk;d ,e- xfoydj
Jh ;ke ,l- ok?k
M- dforkcsu lwn
Jh olar th QMrjs
M- e;ad HkV~V
Jh ,l-jk; p/kjh] {ks=h; ca/a kd insu lnL;
49

53

chek/kkjh ifj"kn ds lnL;x.k 01-04-2009 ls 31-03-2011

e/; {ks=

fcykliq j e.My

dkuiq j e.My

ca x kxka o e.My

Hkiky e.My

Jh oh-ds-jktekus] o-ea-Jh vkj-,-vxzoky

Jh lquhy luFkkfy;k
Jh jktsk vxzoky
Jherh jatq tcuiq=k
Jh fnusk VaMu

Jh ,p-,l-ch-flUgk] o-ea-Jh foun xqIrk

Jherh dYiuk >k
Jh ,e-ts-ljhu
M- ydsU flag
Jh fkok dqekj

Jh jfrdkar flag] o-ea-Jh jfoU ukFk nkl

Jh chj lekZ
lqJh lqdhfrZ czEgk p/kjh
Jh Hkkr oSuc
Jh vkj-ch-j; lekZ

Jh ,l-vkj-tkh] o-ea-Jherh clarh ukFk

Jh vflr dqekj ckx
M fot; dqekj fupykuh
Jh jktsU cCcj
Jh ts-,y-,l-oekZ

mRrj e/; {ks=

y[ku e.My

xq o kgkVh e.My

jk;iq j e.My

vyhx<+ e.My

Jh nhid dqekj] o-ea-Jh dsru nkh

M Jherh laxhrk uhjy
Jh euhk kkg
M Jhjke /kqIiM
Jh vlhe etqenkj

Jh vkj-ds-oekZ] o-ea-M- ,l-pak

Jh latho dqekj nkl
Jh vuqjkx lDlsuk
M-fcztsk dqekj
lqJh iwue ctkt

Jh dey dqekj] o-ea-Jh uhe flag xre

lqJh uhjk vkpk;Z
M-csch jkuh JhokLro
Jh /khjsU ukFk ik.Ms;
Jh kke eugj nhf{kr

Jh vkj-jtuhdkar] o-ea-Jh ccwy p/kjh

M-Mu v;afx;k
Jh vCnqy euu
Jh dqynhi nkl
Jherh vYiuk Msdk

es j B e.My

gkoM+ k e.My

Xokfy;j e.My

bykgkckn e.My

Jh fudsl dqekj] o-ea-Jherh js[kk ckFke

Jh vkj-ih-vxzoky
M- lqgkl <+Ma s
Jh dSykk p-ygfj;k
Jh ,-ih-xqIrk

Jh ds-ds->k] o-ea-M- jkdsk pak

Jh txnhk pak
Jherh vkj-,y-f=ikBh
Jh vk-,e-f}osnh
M-vatuh xqIrk

Jh ch-csgjk] o-ea-M-fnosk lh-kekZ

lqJh T;Rluk enu
M dey flag
M- dfiy lsB
M- ts-teky tSnh

Jh ch-nkl] o-ea-lqJh fkk Bkdqj

Jh vdje vyh eaMy
M-euwrk [kak
lqJh clZuk etqenkj
Jh vuqi dqekj lkgk

okjk.klh e.My

tyikxq M h e.My

tcyiq j e.My

cjs y h e.My

Jh ds-ds-vpiykuh] o-ea-Jherh xhrk kjn frokjh

Jh lat; vxzoky
M- vfuy /kxr
Jh ks[kj mjdqMs
M-fjrq ikaMs

Jh ,p-Mh-kekZ] o-ea-Jherh dqeqn [kaMsyoky

Jh lat; vxzoky
Jh ikFkksZ dqekj
M-vkj-Mh-xre
Jh jktho xqIrk

Jh ch-,y-vxzoky] o-ea-Jh vuqjkx flag

Jh ch-ih-p/kjh
Jh jke dqekj kekZ
Jh egEen ijost [kku
Jherh frHkk flag

Jh ,-nklxqIrk] ea--Hkkjh
Jh fefgj csuthZ
Jh nhisU ukFk la;ky
Jh nsckkhk lkgk
Jh jktdqekj csgkuh
Jherh fjaxftax bMu

vkxjk e.My
lruk e.My

tjgkV e.My

ns g jknw u e.My

Jh tliky flag] o-ea-M- Jherh uafnrk ikBd

Jh nhi uk;d
Jherh cwrh ck lkdsr
Jh vt; flag
Jh dkk vxzoky

Jh vfuy [kUuk] o-ea-Jh tokgj flag pgku

Jh ;kno jkt xqIrk
Jh efgiky flag
M-olq/kk
Jh jktho kekZ

Jh j?kqohj flag] o-ea-M-ch-,l-fla?kkfu;k

Jh ds-,l-ijekj
M Jherh ycyh kekZ
M-dsko flag
M-Jherh uhye Hknfj;k

Jh mn; dqekj uokuh] o-ea-M Hkkr nkl

M Jherh eatq nRrk nkl
M xre ddkVh
Jh xtsU dqekj tSu
Jh pak ukFk c:vk

kgMy e.My

xj[kiq j e.My

Jh vkd dqekj frokjh] o-ea-Jherh y{eh p/kjh

Jh lark kqDyk
Jh jktsoj mnkfu;k
Jh nhi dqekj xqIrk
Jh vkuanh lkn f}osnh

Jh vkj-lh-kqDyk] o-ea-M-vksedkk jk;

M- lh-ch-vadqj
M- ,l-Mh-oekZ
M-Jherh vkkk Hkxr
Jh foun dqekj Hkkjrh

ba n j e.My

gYnokuh e.My

vkluly e.My

dydkrk es V e.My&2

Jh ch-,e-tkh] o-ea-Jherh dYiuk tdjdj

Jh ine ds ifn;k
Jh mRre /kku
Jh lat; lnkuh
Jh fxjhk ds kkjnk

Jh oh->k] o-ea-M-efgek JhokLro

Jh gfjk pa vk;Z
M en vxzoky
Jh lqjsU dqekj HkqfV;kuh
Jh vfHkksd vxzoky

Jh lh-vkj-eaMy] o-ea-M-ikFkkZ fre canik/;k;

Jh nsokf;k xkaxqyh
Jh riu cWuthZ
Jherh t;ark efYyd
Jh fdudj ikMk ekth

Jh ts-lsu] o-ea-Jherh cqycqy j;

Jh fcnku gtzk
Jh vlhu t; pcrhZ
Jh lqnhIrk nRrk
Jh vlhe ds-?kk

QS t kckn e.My

50

Jh ih-lh-xqIrk] o-ea-Jh vtsU flag

M-vksedkj xaxokj
Jherh fk[kk prqoZsnh
Jh eut dqekj JhokLro
Jh jke ukFk Hkkjrh

dydkrk es V e.My&1
Jh ih- vkj- feJk] o-ea-Jherh laxhrk ?kk
Jh lat; xadk
Jh y{eh dkark nkl
Jh ,l-,u- dljs
M iadt dqekj eaMy

iwoZ {ks=

53

[kMxiq j e.My

iVuk e.My

p.Mhx<+ e.My

t;iq j e.My & AA

Jh Vh-ds-vks>k] o-ea-Jh cuh ds-HkV~Vkpkjth

Jh eugj glSu eaMy
lqJh .kk eq[kthZ
Jh oS|kukFk VwMw
Jh Loiu HkV~Vkpkjth

Jh egsU diwj] o-ea-Jh Hkjr d;i

Jh en dqekj kekZ
M vkd dqekj
lqJh vuqjk/kk cuthZ
M [kxsU dqekj

Jh vkj-ih-flag] o-ea-Jh vt; tSu

Jh ts-ts-esgjk
Jh lanhi kkguh
M jsudw k uk;j
M se ukFk

Jh ,-ds-vkuan] o-ea-Jh lquhy nRr O;kl

Jh x.ksk eh.kk
Jherh ok.kh frokjh
Jh Hkxoku lgk;
Jh jtuhk p/kjh

lEcyiq j e.My

t;iq j e.My &1

tkya / kj e.My

Jh ,u-lh-/kky] o-ea-M vijkftrk ikaMk

Jh ukjk;.k ukd
Jh ljn p p/kjh
Jh jtr dqtjw
Jh lqjsU dqekj egarh

Jh ,-xzoj] o-ea-Jh vfouh eqa k

Jh eugj Hkjrh;
Jh jkdsk [kaMsyoky
Jh x.ksk vxzoky
Jherh nhf{krk iiMhoky

Jh fxjhk dqekj] o-ea-Jh fookl feRrj vjM+k

Jh jktsk xqIrk
lqJh :ph vkuan
Jh Mh-vkj- iy
M-vfuy dkfy;k

eq t Qjiq j e.My

t/kiq j e.My

fkeyk e.My

Jh foun f=osnh] o-ea-Jh v{k; dqekj vxzoky

Jh jk/ks;ke kekZ
M mn; kadj ik.Ms;
Jh v:.k dqekj feJk
lqJh iwue nsoh

Jh ds-vkj-eh.kk] o-ea-Jh txnhk eqa k

Jh fko dkk
lqJh iqik iokj
Jh jktsU ifjgkj
Jh jfo egu Hkqrjk

Jh ,y-lh-eh.kk] o-ea-Jherh kqHk egktu

Jh vftr cwVSy
Jh lqjsU flag
M-jfo dkar
Jherh dqynhi dj

teks n iq j e.My

djuky e.My

Jh ih-dqekjslu] o-ea-M ukxsU dqekj

M vuqie j;
Jh csukZM feat
Jh egsU dqekj tSu
lqJh Myh cuthZ

Jh ,l-ts-cjS;k] o-ea-Jherh lqfurk ctkt

Jh n;ky flag
Jh lqHkkk pan
Jh lat; xqIrk
Jh ujsk lyqtk

Hkq o us oj e.My

yq f /k;kuk e.My

Jh jfc ukjk;.k feJk] o-ea-Jh fot; dqekj nkl

Jherh fot;y{eh egarh
Jh vekfyu iVuk;d
Jh dkkhukFk nkl
Jh csu/w kj nkl

Jh ,l-ds-vxzoky] o-ea-M ijethr flag

-jfgr dqekj
Jh nythr flag
Jherh lqeu kekZ
Jh gfj ujsu

mRrj {ks=

u fnYyh e.My &A

vtes j e.My

Jh Vh-,l-jkek.ku] o-ea-Jh ts-ds-kekZ

Jh osda Vsk uk;j
lqJh jpuk HkV~Vkpk;kZ
Jh lR;k dkk eh.kk
Jh vfuy xxZ

flYpj e.My
Jh vkj-lh-dgjk] o-ea-Jh .kthr flag j;
Jh fuisU flag eykdj
Jh cklqnso p/kjh
Jherh lqferk HkV~Vkpkjth
Jh fnyhi dqekj Ms

dydkrk lcjcu e.My

Jh ,l-lh-flag] o-ea-Jh eaxysUnqukjk;.k j;
Jh jke jatu eaMy
Jh Jh.k ?kk
M ,- HkV~Vkpkjth
Jherh Msch ?kk

iwoZ e/; {ks=

cs g jkeiq j e.My
Jh lh-,p-tDdkiUukoj] o-ea-Jh cuekyh lsBh
Jherh vfe;kckyk iVuk;d
Jh lark dqekj egarh
M- mfeZyk nkl
M nqxkZ lkn jFk

Hkkxyiq j e.My
Jh ,-ds-Bkdqj] o-ea-Jh jktho dkar feJk
Jh pUsoj jke
Jherh la/;k nRrk
Jh lhrk jke ikj
- ,- ryhc

dVd e.My
Jh ch-ds-f=ikBh] o-ea-Jh ujflagk dqekj uank
Jh nsck lkn tsuk
Jherh ljtuh gscje
Jh eaxy p-eka>h
Jh czg~ekaM nkl

Jh ch- ih- flag] o-ea-Jherh fcuhrk pgku

M-th-,l-cqansyk
Jh ,p-,e-flag
Jh vkj-,u-vxzoky
Jh lqjsUnz ukxj

Jh kke flag] o-ea-Jh lh-,e-lsB

M-ih-,y-dy
M-,l-Vh vaxpd
Jh jkt dqekj dyl=k
Jherh lark dqekjh

mn;iq j e.My
Jh ;xsU flag] o-ea-Jh fy;kdr gqlSu dqjSkh
M ds-,y-Mkaxh
lqJh ufyuh iapyh
Jh vt; ckiuk
Jh gfjdsk eh.kk

jgrd e.My
Jh vkj-,y-kekZ] o-ea-Jh iou caly
M Jherh fceyk jkBh
Jh jktsk dqekj
Jh iq:kRre nkl feRry
Jh txnhk dqekj

ifpe {ks =

u fnYyh e.My &AA

vgenkckn e.My

Jh ujsU dqekj] o-ea-Jh xihpan yw/kjk

Jherh fueZy dj
Jh jktdey xqIrk
Jh ,l-ds-eYyk

Jh ,-ds-kekZ] o-ea-Jh - lat; /kehtk

Jh lrhk feRry
lqJh nhfidk dkyhjeu
Jh jke dqekj larkh
Jh lat; xxZ

Jh ,e-ds-dse]w o-ea-Jh ,p-ih-Jhekyh

Jh ijsk oh kkg
Jh oh-,e-vks>k
Jherh u;ucsu dikfM;k
Jh dq.kky ch-kkg

chdkus j e.My

u fnYyh e.My &AAA

vejkorh e.My

Jh ih-jk?kojko] o-ea-Jh jke egrk

Jherh iYyoh kekZ
Jh ckcw yky /koy
Jh fdkj jkt iqjfgr
Jh jke izrki ys?kk

Jh fnusk ds-ikaxrh] o-ea-Jh t;nhi vxzoky

Jh lquhy dqekj oekZ
M- vfurk raoj
Jh ljcthr flag
Jh vyd ukjax

Jh ch-Mh-Mqejs] o-ea-M-;w-ch-uoydj
Jh Mh-ds-[kaMsyoky
Jh vkj-ds-vyu
Jherh jehth uounkj
M-,u-th-esgjs

ve` r lj e.My

gtkjhckx e.My
Jh ,-jLrxh] o-ea-Jh ,-,u- jfr;k
M-gseyrk ,l-egu
Jh /khjt dqekj tkh
Jh lhrk jke j;
M vtkfj;k gal

Jhuxj e.My

51

53

vkS j a x kckn e.My

xok e.My

Fkk.ks e.My

djheuxj e.My

Jh oh-ds-tSu] o-ea-Jherh M ,-ch-djkM

M-ds-,y-dkeys
Jh Mh-ch-pUnd
Jh gsera dhoaljk
Jh ,u-ts cxys

Jh ,-ds-ek/kudj] o-ea-Jherh kqHky{eh uk;d

Jherh vpZuk rsna qydj
Jh jkenkl th- lkrjMsdj
Jh yql vkuan dyWd
Jh lat; ,y-flacky

Jh ,l-ds-Bkdqj] o-ea-M lk/kuk QMusl

M fdkj nskeq[k
Jh oh-th-ik/ks
Jherh ,e-,l-djMs
M-,l-,u-[kjkrey

Jh lh-ujlko/kkuh] o-ea-Jh ih-ojS;k

M ok; oh ,l Hkkdj
Jh ih Jhfuokl
Jh th jkewyw
lqJh Vh fot;ky{eh

Hkkouxj e.My

uka n s M e.My

oMnjk e.My

ePNyhiV~ V .kEk e.My

Jherh lh-Mh-tk/ko] o-ea-Jh fdkjHkk jfldyky kkg

lqJh t;Jh csuth cMnfj;k
Jh t;lq[kHkk ih-e[kkuh
Jh fxjhk ih-cckfj;k
,M-Jherh Lferk t;arhdqekj ef.k;kj

Jh ,u-,l-fkjkgV~Vh] o-ea-Jherh ikoZrh ds-ukjk;.kdj

Jh bathr ukjk;.k jko Hkkysjko
M-;ke ch-rsyxa
Jh latho oh-cfldj
Jh clojkt guear vIik fujus

Jh ,l-ch-tkh] o-ea-Jh vlhr vk ks[k

Jherh r:.kk ,u-lw;Zoa kh
Jh kkax jsoj
Jh fot; lh-ikjs[k
Jh usgy ds lqrkfj;k

Jh ih-efYydktZquk jko] o-ea-Jh fpVsuh ,l pUjko

Jh cXxkjiw lqCckjko
Jh dqEifV jktkxq:
Jherh kdhjk csxe
Jh dUuiyk tlsQ

dYgkiq j e.My

ukfld e.My

os - c-;-e.My] eq a c

eS l w j e.My

Jh ,l-lh-vkpk;kZ] o-ea-M gjhk ,e-Hkkysjko

M-Jherh fkYik ,-tkUVs
Jh Jh.k ,l-dqyd.khZ
Jh ek/ko jkepa dne
Jh lat; thou/kj gqDdsjh

Jh ,e-ih-tSu] o-ea-Jh Jh/kj oh-O;ogkjs

Jherh t;Jh ,e xkfor
Jh t;skHkk nkh
Jh vfuy Mh-xlkoh
Jherh gseyrk jktu

Jh ,-,-dker] o-ea-Jh ,l- Mh- HkkjloMdj

Jh lqHkkk ,e-dkys
Jh fnyhi vkj-nslk
Jh jkepU ,l- fkjds
lqJh iqik /kdrMs

Jh Jh/kju] o-ea-Jh jktks[kj dVh

Jh lh-gjk dqekj
lqJh ,e-,-gseyrk
M ch th vkd
Jh ,u lqczef.k;k

eq a c e.My &A

iq . ks e.My &A

ukfM;kM e.My

Jh riu vja/kjk] o-ea-Jh v:.k vk dskokuh

Jh vrqy [kkfMydj
Jh egsU duqjx
Jh xkodj jkenkl ;koar
Jh lqeu Mh vkgsj

Jh ih-lkey] o-ea-Jh lw;dZ kUr ,l-ikBd

Jh ujsk ,e iVs
M-Jherh ekfud ,e fcpdj
Jh dLrqHk nkeys
Jh fdj.k vkj-ijyhdj

eq a c e.My &AA

iq . ks e.My &AA

Jh oh-Mh-lqnkes] o-ea-Jh uanfdkj ,l- usHkkMs

Jherh js[kk ;w-j.kfnos
Jh fot; oh-jktokMs+
Jh lqjsk ,y-xlkoh
- Jherh eaxy xxVs

Jh Mh-,e-vkiVs] o-ea-Jh jkgqy lykiqjdj

M- eqdnqa ch Hkj
M-lqgkfluh kkgk
Jh vfoukk ds-xk;dokM
Jh pUdkar ts-uk;d

eq a c e.My &AAA

lkrkjk e.My

cs a x yj e.My &A

gS n jkckn e.My

Jh ih-f}osnh] o-ea-lqJh oSkkyh oh-dqyd.khZ

Jh fefyan ,p-xkaxqMZs
Jh fefyan ch-xaHkhj
lqJh ique ,l-flUgk
Jh fuf[ky ch-dqyd.khZ

Jh vkj-ih-xqIrk] o-ea-M-jktJh Mh-nskikaMs

lqJh lqfurk laxzke flUgk
M-ih-,l-pgku
Jh tkfdj gqlSu ,e-teknkj
Jh lqfuy ch-xosdj

Jh lr iky] o-ea-Jh ,p-vkj-lqnkZu

lqJh lq/kk ckjkxqj
Jh ,e-,l-/kuat;
Jh ,-lykiqj
lqJh ljLorh lqcze.kh;e

Jh Vh-vkj-p/kjh] o-ea-Jh lh-lqjsk

Jherh oh jktu
M ds fyax;k
Jh Vh-ks[kj
Jh , t;kjkt

Jh ch-,-jko] o-ea-Jh feusl lh-ijekj

lqJh fufekk HkwisUdqekj ikapky
Jh foiqyHkk ,y-iVsy
Jh t;sk exuyky iVsy
Jh HkwisU ,e-edokuk

IV

Jh ,e-ohjHk jko] o-ea-Jh Jhfuoklqyw

Jh ds fpjathoh jsM~Mh
Jherh ch lqHkk
Jherh ch jktks[kj
Jh oh czEg jsM~Mh

jktdV e.My
Jh ,l-,-/kku] o-ea-Jherh vfLerk ,- nslk
Jh ch-ts-foatMw
M ch-,p-ywukxfj;k
Jh ijkx vjfoanHkk cPNkZ
Jh vrqy dqekj dDdM

nf{k.k e/; {ks=

eqac e.My &

dMIik e.My

/kkjokM e.My
Jh ds-x.ksku] o-ea-Jh egsU ,p fla?kh
Jh caMIik ih ok?kekjs
M oh.kk ek/ko rukih
Jh x.ksk th gsxMs dkMkdMh
Jh mn;jfo lh ,Yyhxj

ukxiq j e.My

cs a x yj e.My &AA

fldUnjkckn e.My

Jh ,e-lh-prqoZsnh] o-ea-M-iwf.kZek kekZ

-ch-th-txnkaMs
Jherh js[kk tWdc dkh
Jh lanhi nos
M-lrhk fparkeu ok?k

Jh ih-nklxqIrk] o-ea-lqJh vatw vxzoky

Jh ;xsk exuyky pkoMk
Jh vQty ,l-esgnh
Jh jkdsk fujatu ikVhy
Jh jktw ;ke jko [kys

Jh ,l-porhZ] o-ea-lqJh ,l-gseyrk

lqJh kHkk lqanjslu
Jh xfoa/k;k Jhfuokl
Jh ds-vk-egskdqekj
M-ch-vkj- ukxkjkt

Jh ,y-ds-;kelqUnj] o-ea-Jh xaVk lnkuUne

Jh ih- ukxsojk jko
Jh iMhejh lqjsk
Jh ch xjhkadj jko
Jherh lqfurk lkn

xka / khuxj e.My

lw j r e.My

cs y xka o e.My

us Y yj e.My

Jh ,e-duu] o-ea-M ftrsU oh-lqrkfj;k

Jh kSysk vks-xka/kh
lqJh iwf.kZek Mh-esgrk
Jh Hkqjke fkojke iVsy
Jh olar ,l-iVsy

Jh ih-dqekj] o-ea-lqJh ;klfeu ts-nfrokyk

Jh Hkkr ds- tkifr
lqJh ehuk{kh ,l-olkok
Jh kfkdkar ,l-kkg
lqJh tkx`fr vk-;kno

Jh oh-th-uMfxj] o-ea-Jh ,l-th-gsxMs

Jh ch-,-iqtkj
M Jherh iwf.kZek ,e-pj.kfVeB
Jh lh-ok-eS=h
Jh ,e-ts-eFkkifr

Jh ,u fot; dqekj] o-ea-M ,l-vany Hkkdj

Jh ds ,l oklq
M- ,e j?kqjeS;k
M ds-fkokadjk jsM~Mh
Jh nsohksV~Vh lqczef.k;e

52

53

jk;pw j e.My

nf{k.k {ks=

ps U u e.My &AA

ra t koq j e.My

Jh Mh-jktkjkeu] o-ea-Jh Vh fdUuhjS;k

Jh oh-lh-eFkkifr
M lqkhyk ,l- gydqaMs
Jh fFkEeuxMk
Jh mesk vkj eqyeuh

,jukdq y e e.My

Jh ,l oh kekZ] o-ea-Jh vkj ,e vuar

M eqjyh/kju
lqJh xhrk mesk
Jh oh lsYokdqekj
Jh vkj iykey

Jh jktu ih ,Lldh] o-ea-Jh ds ,e egEen bdckyfnu

Jherh iqfurk x.ksku
Jh ,e vCnqy efyd
Jh Vh oh jkeklkeh
M xiky .ku

d;a c rw j e.My

fr:oua r iq j e e.My

Jh ds th leklqUnjk] o-ea-Jh ,l ds iuwlkeh

M vfe/kkZekck;
Jh ekfVZu /kujkt
M ih duxlckifr
Jh ,u lsYokjkt

Jh ds ,l LokehukFku] o-ea-Jh ,ysDl dqjh;kdl

Jh Vh oh tlsQ
lqJh , ds fllyhdqV~Vh
Jh ih ds fkojkeu
Jh ch kkh

d>hdM e.My

os Y yj e.My

Jh vkj Jhfuoklu] o-ea-Jh , dqukEcw

M , ,l fxjhtk
- tu lh eSF;w
Jh lh ,e vjfoUnckcw
Jh fal BsDdu

Jh ds ,l lqUnj jktu] o-ea-lqJh efYyxk pUu

M ,l ukjk;.ku
lqJh bjk pUks[kju
- vk byaxou
lqJh vkj ikoZrh

jkteq a h e.My
Jh ih ,l vkj dVsoj jko] o-ea-Jherh , ,l ljtuh
Jh Mh vczge fyadu
M egEen vteqRrqyk csx
M Mh oh je.kk ewfrZ
Jh th osda Vsojk jko

fokk[kkiV~ . ke e.My
Jh Mh-ukxsojk jko] o-ea-M vjk/kuk fxjh
Jh ch xaxk jko
M lh osda V jko
lqJh Mh mek jkuh
Jh ih osda Vk jko

mMw f i e.My
Jherh mek jko] o-ea-Jh ih th uk;d
Jherh lqkhyk vkj jk;
Jh th ,l ukxkjkt
Jh ds leukFk uk;d
Jh fufFku ts lsVV~ h

fkexk e.My
Jh ,e lh gqca sjh] o-ea-Jh ,u fnokdj jko
Jh ch ch jfoUukFk
Jh lh oh fot;k olar
dSIVu , vatuIik
Jherh Hkkjrh fojsk

okjka x y e.My

Jh ,l pUks[kj] o-ea-M jesk dqekj ds

Jh fQfyi ttZ
Qknj tSlu oknkLljh
Jh ih ds vczge
Jh lE;orh Vh lh

fr:Uus y os y h e.My
Jh Vh ,l lqczef.k;u] o-ea-Jh vkj Hkkdju
M ch vftr
Jh ,e , duxjkt
Jherh csuh MyVu
Jh ,l tkQj vyh

dV~ V ;ke e.My

Jh ,e ds ckyk.ku] o-ea-M Jherh kHkuk dqfj;u
Jh lR;kflyu uknwokRre
Jh tdkfj;k dqfj;u
Jh Mh vfuy dqekj
Jh tlsQ vczge

enq j e.My
Jh ts pikuh] o-ea-lqJh vkj ufyuh
Jh ,u ef.keaft;u
M ds lsfUFky dqekj
Jh ds vykxq: lqUnje
Jh ,u xfoanu

ls y e e.My
Jh lh danklkeh] o-ea-Jh ,l ef.kDde
Jh ,e dqekj osy
lqJh th oh.kk
M ,u "kMeqxk lqUnje
M ,u yfyrk

ps U u e.My &A
Jh ds dkfnjslu] o-ea-M Vh flokuslu
M vkj jaxkLokeh
Jh vkj vkuandqekj
lqJh kHkk v;j
Jh lh fkok Hkq

Jh , oh ukxsUdqekj] o-ea-Jh y{ehukjk;.k

Jh ih oh ukjk;.k jko
lqJh vk ojy{eh
M ljn ckcw
Jh ,e fr:IikFkEek

53

53

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53 rd Annual Report

1.

PREAMBLE
The Life Insurance Corporation of India has pleasure in presenting its 53rd Annual Report as per section
27 of the Life Insurance Corporation Act, 1956, for the financial year ending 31.3.2010.

2.

MEMBERS OF THE CORPORATION & COMMITTEES

The names of the members, various committees, Senior Executives and Appointed Actuary, Zonal
Advisory Board and Policyholders' Council during the year are given in Appendix I (pages 94 to 103 ).

3.

ECONOMIC SCENARIO
After witnessing a marked slowdown in the latter part of 2008-09, the Indian economy continued to grow
sluggishly in the first half of the fiscal 2009-10. However, in the second half of 2009-10, the global
economy showed signs of partial recovery and domestic consumption improved on the back of the
fiscal stimulus by the government and accommodative monetary policy by RBI. As a result, Indian
economy returned to the path of high growth rate with estimated growth of 8.6% in the last quarter of
2009-10 witnessing increase in corporate sales, revival of credit demand and improving exports and
imports in spite of the setback to agriculture as 2009-10 turned out to be a drought year.
a) Gross Domestic Product (GDP)
GDP at constant prices (Base Year 1999-00) grew by 7.4% in 2009-10 as against 6.7% in the
previous fiscal as manufacturing improved from October 2009 onwards with double digit growth.
As per the new series (Base Year 2004-05) GDP at constant prices grew by 7.44% against 6.72%
in 2008-09 and was estimated to be ` 58,35,493 crore at current prices. Agriculture, forestry
andfishing grew by a modest 0.22% compared to 1.58% in 2008-09 on account of the deficient
monsoon leading to weak Kharif crop affecting 13 states and over 300 districts. There was significant
shortfall in the output of rice, coarse cereals and oilseeds but the increase in output of fibre crops
like cotton, jute and mesta helped to restrict the decelerating impact of agriculture on GDP. Growth
in industry was very strong at 9.27% as compared to 3.87% in 2008-09 on the back of double
digit growth in manufacturing and mining and quarrying. There was a slight moderation in the
growth of services from 9.75% to 8.53% largely on account of decline in the growth of community
services and personal services from 13.9% to 5.64%. Growth also moderated for finance,
insurance, real estate and business services to 9.70% from 10.06%.
b) Gross Domestic Savings (GDS)
Gross domestic savings at current prices in 2008-09 were estimated at ` 18,11,585 crore. The share
of GDS as percentage of GDP saw a fall of almost 4% from 36.41% in 2007-08 to 32.50% in
2008-09 snapping the increasing trend witnessed since 2002-03. While the share of household
sector to GDP was virtually unchanged at 22.63% as compared to 22.64% in 2007-08, the share of
private corporate sector to GDP fell marginally to 8.44% from 8.72%. However, the fall was quite
significant in respect of the public sector from 5.05% of GDP to 1.44% of GDP. At current prices,
household sector grew from ` 11,20,221 crore in 2007-08 to ` 12,61,332 crore in 2008-09. As a
result, share of the household sector in GDS improved from 62.18% to 69.63%. The share of gross
financial savings in GDS grew from 40.29% to 41.24%, and that of savings in physical assets rose
from 31.50% to 37.53%.
Gross domestic investment rate remained stagnant at 35.0% of GDP in 2009-10 as compared to
34.9% in 2008-09. The gross financial savings of the household sector grew from ` 7,25,841 crore
in 2007-08 to ` 7,47,130 crore in 2008-09 showing a modest growth of 2.93% at current prices. The
net financial savings of household sector grew by 5.19% at current prices from ` 5,52,725 crore in
2007-08 to ` 5,81,428 crore in 2008-09. The share of household sector to gross financial savings
increased marginally from 76.15% to 77.82%. While savings in shares and debenture declined
sharply from 12.61% of gross financial savings in 2007-08 to 2.64% in 2008-09, insurance funds
and currency showed marginal increases. Share of deposits in gross financial savings grew to
58.45% in 2008-09 from 51.54% in 2007-08. Financial liabilities of the household sector as
percentage of gross financial savings declined to 22.18% from 23.85%.

55

53 rd Annual Report

c)

Fiscal Position
The government continued with the expansionary fiscal policy in the form of lower taxes and
targeted expenditure with a view to sustain the recovery in economic growth. As a result of the
lower taxes and the moderated growth of the economy, the growth in revenue receipts was
affected. The tax revenue (net) declined to ` 4,74,218 crore at 8.10% of GDP from 8.76% in 200809. The gross fiscal deficit is estimated to be ` 4,00,996 crore at 6.85% of GDP while the revenue
deficit is estimated to be ` 2,82,735 crore at 4.83%.
The government in the budget for 2010-11 has indicated calibrated exit from the fiscal stimulus in
tune with the recommendations of the thirteenth finance commission. For the first time, the
government targeted reduction in public debt - GDP ratio. The government also announced its
intention to implement the Direct Tax Code and its endeavor to introduce GST from 1st April 2011
as part of the tax reforms process. The fiscal deficit has been budgeted at 5.5% of GDP for F.Y.
2010-11 while the revenue deficit is budgeted at 4.0%. Gross fiscal deficit and revenue deficit are
aimed to be brought down to the levels of 4.1% and 2.7% of GDP by 2012-13.

56

d)

Monetary Conditions
As the weakness in the economic activity continued and inflation stayed at lower levels in the first
half year of 2009-10, Reserve Bank persisted with the accommodative monetary policy initially to
counter the ill effects of the economic crisis and subsequently to sustain the recovery. From
October 2008 to April 2009 the repo rate was reduced by 425 basis points to 4.75%, reverse repo
by 275 basis points to 3.25% and CRR by 400 basis points to 5%, with the last reduction of 25
basis points each in repo and reverse repo taking place in the month of April 2009. In the second
half and especially during the last quarter of the fiscal the economy showed distinct signs of
being able to sustain the recovery. At the same time inflation rise started becoming more
generalized. The monetary response of RBI was to begin the process of gradual withdrawal of
the monetary stimulus through removal of almost all the non conventional policy measures.
Repo rate was increased by 125 basis points, reverse repo by 100 basis points and CRR by 100
basis points during the period February 2010 to July 2010. The statutory liquidity ratio was also
brought back to 25% of NDTL (net demand and time liabilities) as it stood before the onset of
recession. Thus, there was a distinct transformation in the policy action by RBI from stimulation
of growth in the first half of 2009-10 to arresting inflation without harming the economic recovery
in the second half.

e)

Inflation
The year on year basis rise in WPI indicating headline inflation was very modest till October 2009.
In fact, the WPI declined during the period June to August. This was largely on account of the base
effect of the high inflation in the first half of F.Y. 2008-09. Although the inflation of primary articles
was high throughout the financial year, its effect was offset by the lower levels of inflation in other
commodities. However, from November 2009 onwards, there was a sharp rise in headline inflation
reaching to the level of over 11% by the end of the financial year as the inflation in the other two
groups viz. manufactured products and fuel, power, light & lubricants also flared up.
The consumer price index for industrial workers (CPI-IW) remained above 7.5% throughout the
year. Point to point rate of inflation in CPI-IW was 14.9% in March 2010, in CPI for agricultural
labourers it was 15.8%, in CPI for rural labourers it was 15.52% and in CPI for urban non manual
employees it was 14.9%.

f)

Equity and Debt Market

Liquidity remained in surplus through the year leading to prevalence of low money market interest
rates. The increase of 49% in daily volumes of the money market signaled improvement in the
market conditions. Upward pressure was witnessed on yields of government securities on the
back of large market borrowings of the government. However, lower credit demand from the
private sector coupled with infusion of liquidity by RBI helped arrest the rising yields. The ten-year
bond yield rose from 7.01% at the end of the previous fiscal to 7.83% by the end of the current
financial year. Higher liquidity also led to increased issuance of certificates of deposits (CD) and
commercial papers (CP). While the interest rates were largely stable for CDs except for a modest
rise in the last quarter, the rates on CP moderated.

53 rd Annual Report

As the domestic consumption increased and improved global economic conditions led to
resumption of inflows, the equity markets rebounded and sustained the recovery through the
financial year. BSE SENSEX grew over 80% while the increase in CNX NIFTY was nearly 74%.
The rise in the indices was also accompanied by healthy growth in turnover. While turnover
increased to ` 13,78,809 crore from ` 11,00,074 crore in the cash segment for BSE, the
corresponding figures were ` 41,38,024 crore and ` 27,52,023 crore for NSE. The amount
mobilized through public issues in 2009-10 was ` 32,607 crore as against ` 14,671 Crore raised
in 2008-09. Also, there was marked improvement in the amounts raised through private
placements and ADR/GDR from ` 2,04,057 crore and ` 4,788 crore to ` 3,42,445 crore and
` 15,967 crore respectively. Net Resources mobilization by mutual funds too witnessed a turnaround
at ` 83,080 crore against the outflow of ` 28,296 crore in the previous fiscal. As a result of these
improvements the market cap of BSE reached ` 61,64,157 crore and that of NSE at ` 60,09,173
crore exceeding the end march figures of both 2008-09 and 2007-08.
g)

External Sector
The Indian economy picked up the growth momentum showing great resilience and overcoming
the external shocks on the back of swift fiscal and monetary policy actions. While the global
economy contracted significantly in 2009, as advanced economies went into recession, world
trade was impacted adversely and declined by 11.8% due to weakening global demand and
protectionist measures adopted by several countries. As exports started showing a turnaround
and as capital inflows resumed, there was remarkable improvement in the balance of payment
position. The turnaround in exports started in the month of October and as a result Indias exports
grew by 0.52% to ` 8,45,125 crore by the end of the financial year as against ` 8,40,755 crore in
2008-09. However, in dollar terms there was a decline of 3.58% in the exports for the financial
year. Indias imports too started showing improvement from November 2009 and reached
` 13,56,469 crore by the end of the financial year against ` 13,74,436 crore in 2008-09.

h)

Insurance Sector
Total insurance funds increased from ` 1,35,791 crore in 2007-08 to ` 1,44,009 crore in 2008-09
showing a growth of 6.05% at current prices. Life insurance funds increased to ` 1,39,764 crore
in 2008-09 growing by 6.24% from ` 1,31,549 crore in 2007-08. The share of life insurance funds
to gross financial savings rose from 18.12% in 2007-08 to 18.71% in 2008-09. However, as
percentage of GDP at factor cost, life insurance funds declined to 2.67% in 2008-09 from 2.90%
in 2007-08.
Total life insurance first year premium including Group Business grew by 25.47% to ` 1,09,290.37
crore in 2009-10. While total first year premium of LIC grew by 33.87%, all the private players
together grew by a modest 12.43%. In individual business, while the first year premium grew by
17.73%, the growth in policies was a modest 4.51%. On the other hand the growth in group
premium was 55.81%.
LICs market share in 2009-10 increased to 64.86% in First Year Premium as compared to
60.79% in 2008-09 while its share in policies improved to 73.02% from 70.52%.

4.

MACRO ECONOMIC FACTORS THAT AFFECTED LIFE INSURANCE BUSINESS

The year 2009-10 is viewed as a year of recovery with global economy having picked up momentum in
the fourth quarter of 2009, Indian economy recorded 7.2% growth during the year 2009-10 and
witnessed a fast paced recovery compared to the most of the countries, with strong revival of industrial
sector.
Reserve Bank of India, in its Annual Policy, reduced Repo Rate under LAF by 25 basis points from 5.0%
to 4.75%. Reverse Repo Rate was also brought down by 25 basis points 3.5% to 3.25%. CRR was
increased from 5.0% to 5.75% in two stages in February 2010. On March 19, 2010 as an anti-inflation
measure, the RBI hiked the Repo rate from 4.75% to 5.0% and Reverse Repo from 3.25% to 3.50% .
Headline WPI inflation increased sharply from 0.5% in September 2009 to 9.9% by March, 2010. WPI
non-food manufactured products inflation, turned marginally positive to 0.7% in December, 2009 and
rose sharply thereafter to 3.3% in January, 2010 and further to 4.7% in March,2010.
Due to relatively large borrowing programme announced by the government, the yield on dated
Government securities hardened during the year. The yield on 10- year G-sec increased to 7.82% in
end March,2010 from 7.01% in end-March,2009.

57

53 rd Annual Report

5.

WORKING RESULTS
I.

New Business
a)

Individual Assurances:The new business under Individual Assurance portfolio for the last three years is given in
Table No. 1A.

b)

General Annuities:The new business under General Annuity portfolio for the last three years is given in Table
No.1A.

c)

Pensions:The new business under Pension portfolio for the last three years is given in Table No. 1A.

d)

Unit Linked Business:The new business under unit linked portfolio for the last three years is given in Table No. 1A.

e)

Group Insurance Business

The new business under group insurance portfolio for the last three years is given in Table
No. 1B.

f)

Social Security Schemes

Through Janashree Bima Yojana 5190 Schemes covering 91.02 lakh new lives were finalized
under 45 approved occupations. 0.29 lakh new lives have been covered under existing
SSGS Schemes. The details classified according to occupations are given in Table No. 2.
Aam Admi Bima Yojana
Aam Admi Bima Yojana , a new Social Security Scheme for rural landless household was
launched on 2nd October, 2007 at the hands of the then Honble Finance Minister at Shimla.
The head of the family or one earning member in the family of rural landless household is
covered under the scheme. The premium of ` 200/- per person per annum is shared
equally by the Central Government and the State Government. Head of the family or one
earning member of the family aged between 18 and 59 years is covered for an amount of
` 30,000/- under the scheme. In case of death or total disability (including loss of 2 eyes/2
limbs) due to accident, a sum of ` 75,000/- and in case of partial permanent disability (loss
of 1 eye/1 limb) due to accident, a sum of ` 37,500/- is payable to the nominee/beneficiary.
1,30,45,666 heads of the families of rural landless households were covered under the
scheme as on 31.03.2010.
A free add-on benefit for the children of the members of AAM ADMI BIMA YOJANA is provided
under the scheme. A scholarship at the rate of ` 100/- per month is given to maximum two
children studying between IX to XII standard payable half yearly on 1st July and 1st January
each year. During the financial year 2009-10, scholarship were disbursed to 86,905 children
amounting to ` 4.15 crore.

g)

First Insurance
In pursuance of the corporate objectives of providing insurance cover to more and more
people, greater emphasis is laid on covering individuals who have no previous insurance
on their lives. During the financial year 2009-10, 340.28 lakh individuals were insured for
the first time for a total Sum Assured of ` 3,82,026.21 crore as against the previous years
figures of 325.84 lakh policies for S.A. of ` 3,60,937.07 crore. The ratio of First Insurance
to the Total Business completed for the year comes to 87.61 % and 89.25 % in respect of
Number of Policies and Sum Assured respectively.

h)

Rural Thrust:
Sustained and conscious efforts are made to carry the message of Life Insurance to the
rural areas, especially the backward and remote areas. As a result, there has been steady
growth of new business from these areas.
As per the definition of rural/social sector approved by IRDA, the New Business from rural
areas amounts to Sum Assured of ` 78,895.11 crore under 1,02,49,643 policies
representing 26.39 % and 18.43 % share of policies and Sum Assured respectively completed
during the financial year 2009-10.

58

53 rd Annual Report

II.

6.

Business In-force In Various Segments

a)

Individual Assurances:The business in-force under Individual Assurance portfolio has been showing steady growth
over the years as given in Table No. 3A.

b)

General Annuities:The business in-force under General Annuity portfolio for the last three years is given in
Table No. 3A.

c)

Pensions:The business in-force under Pension portfolio for the last three years is given in Table No.
3A.

d)

Unit Linked Business:The business in-force under unit linked portfolio for the last three years is given in Table
No.3A.

e)

Group Insurance Business

The business in force under Group Insurance Portfolio, including Linked Business, for last
three years is given in Table No. 3B.

CAPITAL REDEMPTION AND ANNUITY CERTAIN BUSINESS

As on March 31, 2010, Annuity Certain policies numbering 2,593 were in force for an amount of annuity
per annum of ` 875.18 lakh. There were 17,766 Capital Redemption policies in force for a sum
assured of ` 30,940.50 lakh.

7.

STATUTORY STATEMENTS REGARDING POLICIES

The statements in the form DD prescribed under Insurance Act, 1938 have been included in Table No. 4

8.

ORGANIZATIONAL SET UP
Offices in India
As on 31st March 2010, there were 8 Zonal Offices located at Mumbai, Delhi, Kolkatta, Chennai,
Hyderabad, Kanpur, Bhopal & Patna. There were 109 Divisional Offices, 2,048 Branch Offices and
1,004 Satellite Offices (SOs)
Divisional Offices monitor and control the operations. Branch Offices procure business and are
responsible for all customer interface transactions. Satellite Offices also procure business and are
responsible for immediate customer services required.

9.

LIFE FUND, SURPLUS AND TAXES PAID

The life fund, valuation surplus and 5% share paid to Central Government are growing consistently
every year. Figures pertaining to years 2007-08, 2008-09 and 2009-10 are given in Table No. 5.

10. CORPORATE SOCIAL RESPONSIBILITY

I. Group Schemes and Social Security
94,464 claims amounting to ` 252.71 crore paid under Social Security Schemes.
During the year 2009-10 the claims paid under the Social Security Schemes as per the following
details.
Scheme
No of claims paid
Total
Amount in Thousands
Total
Natural Accidental
Claims
Natural
Accidental
JBY
39800
1384
41184
1236821
96256
1333077
SGSY
324
2
326
2476
11
2487
SSGS
13593
750
14343
66615
19557
86172
KSSSY
80
5
85
1820
190
2010
CI RIDER
33
0
33
720
0
720
AABY
36227
2266
38493
1086000
16715
1102715
TOTAL
90057
4407
94464
2394452
132729
2527181

59

53 rd Annual Report

JBY - Janashree Bima Yojana

SGSY - Swarna Jayanti Gram Swarojgar Yojana
SSGS - Social Security Group Insurance Schemes
KSSSY - Krishi Shramik Samajik Suraksha Yojana
CI RIDER - Critical Illness Rider
AABY - Aam Admi Bima Yojana
a)

Scholarships of ` 88.90 crore was disbursed to 9,12,281 students as a free add on benefit to
the children of the members of Janashree Bima Yojana under Shiksha Sahayog Yojan during
the year 2009-10.

b)

Scholarship for total amount of ` 4.15 crore was distributed to 83,569 students as a free add
on benefit to the children of members of AABY Shiksha Sahayog Yojana during the year 2009-10.

Social Security Cover :

2.40 crore of lives were given insurance cover under various Social Security Schemes.
II. Investment in Social Sector
The total investments of the Corporation amounted to ` 10,95,841.34 crore as at 31st March, 2010.
Table 6 depicts a broad classification of the investments of the Corporation as at 31st March, 2010.
The Corporation subscribed an amount of ` 52,166.71 crore (face value) and ` 31,883.20 crore
(face value) to the Securities of the Government of India and the new loan issues of the various State
Governments respectively during 2009-10.
It has been the constant endeavour of the Corporation to provide security to as many people as
possible and to channelise the savings mobilised for the welfare of the people at large.
To meet this end, the Corporation has been promoting social welfare through investments in
Infrastructure and Social Sector which includes:
* Projects/schemes for generation and transmission of power,
* Housing sector,
* Water supply and sewerage projects/schemes,
* Development of roads, bridges & road transport.
The total investment in these sectors during 2009-10 was ` 20,808.74 crore as indicated in Table
7. The investments by way of central, state and other government guaranteed marketable securities,
loans, debentures & equity investments in infrastructure and social sector amounts to ` 6,49,808
crore.
III. LIC Golden Jubilee Foundation
Under Corporate Social Responsibility, and to commemorate the Golden Jubilee of LIC in the
year 2006, LIC Golden Jubilee Foundation Trust was formed with the objective of promoting
education, health, relief of poverty or distress and advancement of other objects of general public
utility. As on 31st March, 2010 LIC has provided a corpus of ` 80 crore to this Foundation and the
interest earned is utilized for funding various projects for charitable purposes. As on date, LIC
Golden Jubilee Foundation has supported 112 projects to the extent of ` 10.22 crore.
Under this Trust a scholarship scheme is also formulated by name LIC Golden Jubilee Scholarship
Scheme of the Trust to give scholarships at the rate of ` 10,000/- per annum to meritorious students
belonging to economically weaker sections of society to enable them to pursue higher education at
graduation level. Scholarships were given to 802 and 881 students during the years 2008-09 and
2009-10 respectively.

11. MARKETING ACTIVITIES

a)

STATEMENT OF INDIVIDUAL NEW BUSINESS PROCURED DURING 2009-10 CHANNEL WISE

CHANNEL
NUMBER OF
FIRST PREMIUM
POLICIES (In lakh)
INCOME (` crore)
CONVENTIONAL
BANKING & ALTERNATE CHANNELS
CHIEF LIFE INSURANCE ADVISOR (CLIA)
MICRO INSURANCE
TOTAL INDIVIDUAL FIRST PREMIUM

60

340.09

39,227.49

7.54

1,132.92

20.91

2,563.88

19.85

36.15

388.39

42,960.44

53 rd Annual Report

b)

PRODUCT DEVELOPMENT
In a competitive market, there is a greater need to provide insurance products that meet the
needs of our customers. LIC therefore offers a wide variety of products which fulfills the needs of
different segments of the society. As at the end of the financial year 2009-10, the Corporation had
54 plans available for sale.
During the year Corporation introduced 5 new plans viz. Jeevan Sathi Plus, Jeevan Mangal,
Health Protection Plus, Jeevan Nischay & Wealth Plus Plan, out of which Jeevan Nischay &
Wealth Plus were close ended plans.

c)

FIELD PERSONNEL TRAINING (FPT) - CORPORATE TRAINING INTERVENTION

FOCUS: PROFESSIONALISM
The theme of FPT was professionalism in 2009-10. For the purpose, training in a big way was
conducted across all Zones using reputed International/National Training Institutions. This was
alongwith the efforts in STCs and ZTCs. Details are as under:
(1) Development Officers Trained
: 1837
(2) Agents Trained
: 439602
(3) Agents Trained for E-proposals
: 5304
(4) Faculty Members Trained
: 93
Topics dealt:
(1)
Creating, Leading and Managing High Performance Sales Teams.
(2) The Financial Planning Program for Award of AWI Certificate
(3) Train the Trainer Program in Financial Planning for Faculties & BMs
(4) E-proposals
(5) Certificate in Agency Leadership (CAL) Program
(6) Post Recruitment Orientation Training for Agents (PROT) for Agents
(Non club members) (Empanelled agencies RNIS, CIS & Retired Faculties etc.)
Training agencies deployed were:
(1) Chartered Insurance Institute of England (CII)
(2) APTECH
(3) RNIS
(4) IIST (Pune)
(5) American College (IAIFM)
Training for field personnel at in-house training centres of LIC
INFORMATION ON STCs/DTCs/ATCs during 2009-10 ACROSS ALL ZONES
Sr. No

Zone

ZTC

STC

DTC

ATC

ETI

Agent

DO

ADO

Faculty &
Principal

1.

CZ

01

03

08

61

75291

1337

98

2.

EZ

01

04

11

53

159593

2466

132

3.

ECZ

01

03

09

49

100664

30

145

4.

NZ

01

04

18

74

113414

1641

150

5.

NCZ

01

04

12

58

96565

260

113

6.

SZ

01

04

12

71

54802

1559

101

132

7.

SCZ

01

05

17

118

224368

3649

185

8.

WZ

01

06

22

115

241451

4989

187

TOTAL

08

33

109

599

1066148

15931

102

1142

Prev. Year

08

25

107

574

540623

4877

6119

1098

61

53 rd Annual Report
PROT FOR THE PERIOD FROM 1st JUNE 2009 TO 31st MARCH 2010
ZONE

DIVISION

No.of
B.Os

(1)

Total No. of
Agents on
roll

No. of B.Os
where PROT
not done

Cumulative Trained
upto end of the
month

(2)

(3)

(4)

(5)

140

71420

28908

CZ

EZ

11

206

133010

41899

ECZ

09

157

139413

39105

NZ

17

320

149746

60336

NCZ

12

247

179148

71658

SZ

12

261

153632

47192

SCZ

17

314

220804

80483

206967

20

70021

1254140

34

439602

WZ
TOTAL
d)

22

403

108

2048

BANCASSURANCE & ALTERNATE CHANNELS

Bancassurance and Alternate Channel completed 7,53,654 policies and ` 1,132.92 crore first
premium income (FPI) , showing a growth rate of 5.23% in FPI. %Share to total business was
1.94% in policies and to 2.64% in FPI.
Banks have contributed 64.91% of number of policies and 80.82% of FPI to the total alternate
channel business. During the year, Corporate Agents have completed 2,53,371 policies and
`. 174.17 crore of FPI. The contribution of the Corporate Agents thus being 33.62 per cent in
number of policies and 15.37 per cent in FPI. The contribution of brokers was 1.47 per cent in
policies and 3.81 percent in FPI. The concept of Bima Bank has picked up very well and 1,804
bank branches were declared as Bima Banks as compared to last year's 1526.
In order to give further fillip to our rural thrust through alternate channel, we have roped in RRBs
to distribute our products in rural areas through Corporate Agency or Referral Arrangement. As on
31.03.2010 we have Referral Arrangements with 67 entities out of which 11 are RRBs. We have
also introduced services of FSEs who will exploit the customer base of Banks to fetch more
business. As on 31.03.2010 we have 1099 FSEs.

e)

MICRO INSURANCE (MI)

In furthering our efforts of spreading security, particularly to the less privileged section of our
society, Life Insurance Corporation of India introduced Jeevan Madhur plan in September, 2006
under a separate business vertical. This year 2009-10 another product Jeevan Mangal a term
assurance product was launched on 03.09.2009. The Channel completed 19, 85,145 MI policies
with growth rate of 28.8 % and first premium income of ` 36.16 crore. Thus MI vertical of LIC in its
3 years of existence, has provided risk cover protection to the most vulnerable through 4.5
million micro insurance policies.
These policies have been sold through a distribution channel comprising of non government
organisations, self help groups, micro finance institutions, non profit associations, corporate
agents, brokers, and non profit societies including companies registered under Section 25 of
Companies Act and business correspondents for banks and government agencies who have
been appointed as Micro Insurance Agents by LIC. The MI vertical channel has total strength of
7,906 micro insurance agents with 53,847 specified persons trained by LIC as on 31.03.2010.

f) HEALTH INSURANCE
LIC started a new Health Insurance Division in 2007-08, to tap the vast potential for Health Insurance

62

53 rd Annual Report

Business and to devise health products and services. The first product Health Plus was launched
in February, 2008 and the second product Health Protection Plus in April, 2009. Both are unit
linked health insurance policies providing for hospitalization and major surgery cover for 49
specified surgeries. The plans also have a facility of withdrawal, linked to domiciliary treatment.
Following IRDA regulations on cap on charges Health Plus was withdrawn from 01.01.2010. During
2009-10, 94,135 health insurance policies were sold for a premium income of ` 85.95 crore

g) DIRECT MARKETING
In the financial year 2009-10 Corporation took a new initiative of Direct Marketing.
This vertical was started with an objective of "CREATING NEW SYSTEMS FOR BUSINESS
GENERATION, SALES PROCESS MONITORING AND BUSINESS PROCESSING WITH A VIEW TO
REACH OUT TO UNTAPPED MARKETS AND PROVIDE IMPROVED BUYING EXPERIENCE TO
CUSTOMERS".
In a short span of 8 months, the channel has expanded and has presence at 21 centers with 542
professionally trained Direct Sales Executives (DSEs) to provide financial advice to prospective
customers.
During the year 2009-10, main focus of the channel was setting up systems and processes. A state
of art Lead Management System has been established to provide easy access to prospective
customers to reach out to LIC to buy a policy. Such leads captured through our website www.licindia.in
are passed on to well trained DSEs on real time basis who can contact the customer instantly.
This channel procured a New Business of ` 25.55 crore under 8887 polocies giving average FP per
policy as ` 28,759.

12. AGENTS
a)

Agency Strength
The total number of agents on our roll is 14,02,807 as at 31.03.2010 as against 13,44,856 as on
31.03.2009. The number of active agents is 13,40,067 as at 31.03.2010 as compared to 12,75,611
as on 31.03.2009.

b)

Agents' Club Membership

In order to motivate and recognize high performers amongst agents a premium club called the
Corporate Club was formed w.e.f the membership year 2004-2005.
The other 5 clubs which were formed to recognize agents who perform consistently year after year,
viz. Chairman, Zonal Manager, Divisional Manager, Branch Manager and Distinguished Agents,
have shown good growth.
The details of membership strength of various clubs are furnished in the Table given below :
MEMBERS OF VARIOUS AGENTS CLUBS
2009-10

2008-09

2007-08

Corporate

Name of the Club

70

86

77

Chairman

31664

25693

21941

Zonal Manager

24967

20225

17792

Divisional Manager

40694

35367

30609

Branch Manager

72743

62558

56910

Distinguished Agents Club

38672

49204

47634

208810

193133

174963

Total

63

53 rd Annual Report

c)

Career Agents' Scheme

The corporation has a scheme of Urban Career Agents and Rural Career Agents to promote the
cause of professionalizing the agency force. They are given stipends at the start of their career to
enable them to settle down in the profession. As on 31.3.2010 there are 15,530 Urban Career
Agents and 21,241 Rural Career Agents.

d)

Chief Life Insurance Advisor Scheme, 2008

The Corporation introduced the above scheme on 12.04.2008 with an objective of increasing its
market presence through more agents by utilizing capabilities of existing high performing agents
for organisational growth.
In the second year of the scheme as on 31.03.2010, First Premium of ` 2,563.88 crore (133%
growth) with 20,90,802 policies (90% growth) was generated with the help of 1,37,411 agents on
roll (40% growth) supervised by 24,105 Active Chief Life Insurance Advisors (20% growth).

e)

Authorised Agents
In tune with the increasing customer expectation for more conveniences in premium payments
and servicing, the Corporation has empowered select agents to collect the renewal premium
through Premium Points. Number of such Premium Points across the country increased to
10,980 as on 31.03.10 as against 2,590 as on 31.03.09. An amount of ` 55.16 crore renewal
premium was collected by these empowered agents who have issued 1.43 crore renewal Premium
receipts to the LIC customers.

13. OVERSEAS OPERATION

64

a)

Foreign Branches :
The Corporation directly operates through its branch offices in Mauritius (Port Louis), Fiji (Suva &
Lautoka) and United Kingdom (Wembley). During the year 2009-10, these three foreign Branches
together issued 12,162 policies and First premium income of ` 30.41 crore.

b)

Representative Office:
We are proposing to establish a wholly owned subsidiary at Singapore. The representative office
has successfully conducted the market research and studied the regulatory issues and filed for
license to open a WOS with the monetary authority of Singapore.

c)

Foreign Joint Venture Companies:

LIC(International) B.S.C.( c ), Bahrain:
LIC (International) B.S.C. (c), Bahrain was established in Bahrain in 1989 as a joint venture
company which caters to the life insurance needs of NRIs and local population in the Gulf
by issuing policies in US Dollars. The company operates in 5 GCC countries of Bahrain,
Kuwait and UAE (through chief agents), Qatar (through broker) and Oman (through branch
office). As part of its expansion activities, the company has entered in to a brokership
arrangement with a local company in Thailand. For the year ended 31.12.2009, the company
issued 10,362 policies and collected an amount of ` 134.21 crore towards first premium.

LIC (Nepal) Ltd:

LIC (Nepal) Ltd., a joint venture company between LIC of India and M/S Vishal Group of
companies in the Republic of Nepal was established on 03.12.2001. For the year ended
15.07.2009, the company has completed 52,891 policies and first premium Income of
` 20.63 crore.

LIC (Lanka) Ltd:

LIC (Lanka) Ltd., a joint venture company between LIC of India and M/S Bartleet Transcapital
Ltd. was established on 01.03.2003. For the year ended December 2009, the company has
completed business of 4,291 policies with first premium income of ` 1.73 crore.

Kenindia Assurance Co. Ltd.:

Kenindia Assurance Co. Ltd., a joint venture company between LIC of India, GIC and others
was established on 06.12.1978 in Kenya. The company transacts both life and non-life
business. For the year ended 31.12.2009, Life Branch of the company has completed 2,543
policies with first year premium income of ` 19.64 crore.

53 rd Annual Report

Saudi Indian Company for Co-operative Insurance:

Saudi Indian Company for Co-operative Insurance (SICCI) is a joint venture company between
LIC of India, LIC (International) B.S.C. (c), Bahrain, New India Assurance Company Limited,
Al-Hokair Group and public from Saudi Arabia where LIC of India & LIC (International) hold
10.2% share each. The company began its life operations in January, 2009. For the year
ended 31.12.2009, Life Branch of the company has completed 545 policies with first year
premium income of ` 1.31 crore.

14. DIVERSIFIED ACTIVITIES

a)

LIC Housing Finance Limited.

LIC Housing Finance Limited with its corporate office in Mumbai has 6 regional offices, 13 back
offices, 158 marketing offices and 3 customer service points in the country as on 31.3.2010. It
also has representative offices at Dubai and Kuwait. The companys shares are listed on the
Bombay Stock Exchange and the National Stock Exchange and its Global Depository Shares
(GDS) listed at the Luxembourg Stock Exchange. The company is rated AAA by CRISIL. The
companys fixed deposit program has been rated as FAAA by CRISIL indicating the highest
degree of safety. During the year 2009-10, the company successfully raised equity of ` 658 crore
through a QIP issue of 1 crore equity shares.

Outstanding Loan as on 31.03.2010 - ` 38,081crore

Loan Amount Sanctioned during the year 2009-10 - ` 18,043 crore
Loan Amt. Disbursed during the year 2009-10 - ` 14,853 crore
Net Profit for the year 2009-10 ` 662.18 crore
Dividend Declared

Growth for the CAGR-5yrs

year 2009-10
+ 38%
27%
+66%
37%
+ 70%
32%
+25%
33%
150%

LIC HFL Care Homes Ltd.

It is said that Birds of the same feather flock together and if you flock together in the evening of
your life under the caring hands of LIC, life will be blissful and paradise would seem to have come
down to earth.
Saluting the exponentially growing population of senior citizens, LIC with its caring hands has
taken up the social responsibility of building assisted living centres for the elders providing them
with a roof at a competitive price, for a peaceful and enjoyable retired life.
With the pilot project at Bangalore completed , a second one coming up at Bhubaneswar and a
handful on the anvil this LIC Housing Finances wholly owned subsidiary will soon be catering to
the needs of millions of mushrooming seniors, all at a competitive price.
b)

LIC Mutual Fund Asset Management Company Ltd.

LIC Mutual Fund since inception in 1989 has launched 100 schemes.

73 of these schemes have been redeemed

There are 27 ongoing schemes as at 31.03.2010

In the financial year ended 31st March, 2010, LICMF made a gross mobilization of `
10,05,834.55 crore (` 10,058.35 billion) as against ` 3,71,263.56 crore (` 3,712.63 billion) in
the previous year showing a growth rate of 170.92%.

The assets under management (closing) grew by 40.84% to close at ` 25,105 crore as on
31.03.2010 from ` 17,825 crore as on 31.03.2009.

Number of investors as on 31.03.2010 stood at 4.74 lakh.

As at 31.03.2010 LICMF stood at number 6 out of the 38 mutual funds in the industry on the
basis of Average Asset Under Managment (AAUM).

During the year LICMF opened Area Offices at Pune, Lucknow, Madurai and Dehradun,
taking the total number of area offices to 26.

The number of Business Centers increased to102.

Management fee has increased from ` 72.83 crore to ` 184.23 crore showing a growth rate
of 152.96%

65

53 rd Annual Report

c)

MUTUAL FUND AWARDS

Investors reposed their faith in LICMF products which were honoured during the year by
ICRA Online awards in the following categories.
Star Fund House of the Year (Debt)
7 Star Fund Gold Award to LICMF Floating Rate Fund Short Term Plan for 1-year
performance
7 Star Fund Gold Award to LICMF Floating Rate Fund Short Term Plan for 3-year
performance
7 Star Fund Gold Award to LICMF Savings Plus Fund for 1-year performance
5 Star Fund Gold Award to LICMF Liquid Fund for 1-year performance
5 Star Fund Gold Award to LICMF Income Plus Fund for 1-year performance

LIC Pension Fund Ltd.

Government of India has introduced New Pension System (NPS) for central government
employees (excluding defence services) who have joined services with effect from 1st January
2004. Subsequently, 22 state governments have joined the NPS. New Pension System has also
been opened to all citizens of India with effect from 1st May 2009.
Sponsored by Life Insurance Corporation of India.
Incorporation:
Incorporated under Companies Act, 1956 on 21.11.2007 as a public ltd. company.
Certificate for commencement of Business:
Registrar of Companies Maharashtra on 08.01.2008. Authorized Capital of the Company is ` 25
crore and paid up capital is ` 15 crore.
Funds inflow:
NPS Trust allotted 5% pension funds of central government employees during 2008-09 which
increased to 29% pension funds during 2009-10. State government also followed the same
pattern of allocation.
During the first year i.e. from 01.04.2008 to 31.03.2009, LIC Pension Fund received an amount of
` 101.61 crore towards central government pension funds. During the year 01.04.2009 to
31.03.2010 LIC Pension Fund received ` 538.07 crore of central government pension funds nd `
48.83 crore of state government pension funds. Therefore, by 31st March 2010, total funds assets
were ` 688.51 crore.
Investment performance:
Investment portfolio of LIC Pension Fund is basically debt oriented, 85% are to be invested in
debt instruments, up to 15% in equity and/ or equity related mutual funds schemes and up to 5%
money market instruments.
The net asset value of central government scheme as on 31st March 2010 was ` 12.3524 and that
of state government scheme was ` 10.6027. Annualized returns for central government funds
was 11.7620% and that of state government funds was 7.8566% by 31st March 2010.

d)

LIC Cards Services Ltd.

LIC Cards Services Limited, a wholly owned company of LIC of India was established with its
head quarters in New Delhi on 11th November, 2008. During the first year of its operations, the
company procured 31,348 applications out of which 19,995 cards were issued. The reason for
relatively moderate procurement and conversion was initial lack of expertise among the sales
force. The company has since carried out comprehensive training and empowerment programme
and is poised to achieve 1 lakh cards in the financial year 2010-11.
As many as 374 card customers opted for premium payment through LIC Card and the number
of customers opting for premium payment through the card is rapidly growing. In the financial
year 2010-11 the company is going to launch prepaid/debit card to its annuitants and is also
going to establish relationships with multiple product providers to enable the card holders to
enjoy greater benefits.

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53 rd Annual Report

15. CUSTOMER RELATIONSHIP MANAGEMENT

a)

Settlement of Claims
The settlement of claims is a very important aspect of service to the policyholders. Hence, the
Corporation has laid great emphasis on expeditious settlement of the maturity as well as death
claims. During the year 2009-10, the Corporation has settled 2.16 crore claims for ` 53,535.82
crore (including micro insurance and pension & group schemes) compared to 1.54 crore claims
for ` 40,085.12 crore in the previous year. The percentage of claims outstanding at the end of the
year to the claims payable during the year is 0.26% by number and 0.94% by amount as on 31st
March, 2010 compared to 0.33% by number and 0.97% by amount as on 31st March, 2009.
During 2009-10, 97.47% of maturity claims under individual insurance were settled on or before
the date of maturity.
The figures in respect of settlement of claims (Individual+P&GS+Micro Insurance) for the last
three years are given in Table 8.

b)

Alternate channels of premium payment:

Premiums can be paid through Alternate Channels for inforce policies only which are not
under Salary Savings Scheme (SSS). For the year 2009-2010 around 10% premium of the total
renewal premium received was collected through Alternate Channels.

1.

Offline payment channels where receipt is sent by post

Electronic Clearance System (ECS):
This facility is presently available at 60 centers. Through ECS premium can be collected for
ULIP and Health Insurance (HI) policies also.

2.

Electronic Bill Presentation and Payment (EBPP):

Premium can be paid through various Banks like City Bank, HDFC, ICICI, Federal Bank,
Corporation Bank, Axis Bank and through service providers Bill Desk and Tech Process
which cover almost all other banks throughout the country. Premium can be paid through
credit card also availing this facility.

3.

ATM:
Available with two banks - Corporation Bank and Axis Bank.
Through EBPP & ATM, premium can be paid for in force policies only which are NOT with
Monthly / Salary Savings Scheme (SSS) mode or under ULIP or HI plan.

4.

Online Payment channels, Valid Receipt issued instantly:

Customers Portal Payment Gateway:
Online premium payment on LIC website, www.licindia.in with the help of net banking
facility of 40 major Banks. Premium can be paid for ULIP policies (excluding Health
Insurance plan) also.

5.

Axis Bank:
Premium can be paid at any of the branch or extension counter of Axis Bank in cash or
cheques drawn on Axis Bank.

6.

Premium collection through Franchisees:

Premium can be collected only in CASH.
Receipts are issued by the collection center.
No service charges are required to be paid to the collection center to avail this facility.
Following are the approved Franchisees :
AP-Online: website www.aponline.gov.in
MP-Online: Website www.mponline.gov.in
Suvidhaa Infoserve Pvt. Ltd.: Toll Free helpline number : 180022 5225
Comat Technologies : www.comat.com / Enquiries can be sent to info@comat.com

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53 rd Annual Report

7.

Senior Business Associate:

Selected Development officers are authorized to collect the premium on line and issue
receipt instantly. Premium can be collected for conventional and ULIP (other than Health
Insurance) policies.

8.

Empowered Agents:
In tune with the increasing customer expectation for more conveniences in servicing, the
Corporation has empowered selected agents to collect the renewal premium. At present,
there are more than 10,000 authorised agents across the country, who can collect the
premium (including ULIP but excluding HI Policies) in CASH or CHEQUE and issue a valid
receipt instantly.

c)

Policy information through SMS:

Customers can get information on loan available, bonus accrual, revival quotation, premium
position and nomination status by sending SMS at 56677 and typing asklic, policy number
and information required.

d)

Customers Grievance Redressal

The Corporation has Grievance Redressal Officers at Branch/ Divisional/ Zonal/ Central Office to
redress grievances of customers. Their names and availability timings are published in
newspapers of wide circulation from time to time. The spirit of customer relations and customer
care have been ingrained in our complaint redressal system with emphasis on placing customer
oriented personnel at all touch points. IT enabled proactive support system have been
operationalised to reduce manual interventions and minimize grievances. In our endeavor for
enhancing customer satisfaction, stringent bench-marks as laid down in the citizens charter are
being followed scrupulously.
Claimants aggrieved by the decision of repudiation have the facility of referring their cases for
review to Zonal Office Claims Review Committee (CRC) or Central office CRC. Retired High
Court/District Court Judge is a sitting member of the CRC. Out of 2,755 cases reviewed during
the year 2009-10, 943 were paid (including ex-gratia).
Insurance Ombudsmen in the country at Ahmedabad, Bhopal, Bhubaneshwar, Chandigarh,
Chennai, Delhi, Guwahati, Hyderabad, Kochi, Kolkata, Lucknow and Mumbai are providing low
cost and speedy arbitration to customers.
For ensuring quick redressal of customer grievances Corporation has introduced a customer
friendly Complaint Management System through a Customer Portal on our website
http://www.licindia.in, where policy holder can directly register complaint/grievance and track its
status.

68

e)

IVRS/Info-Centers:
IVRS at 57 cities throughout India operating 24x7 providing information to our customers. Out of
these, 30 have been modified into info-centers by equipping them with staff dedicated to attend
phone-in customers, in two shifts. Any customer can contact our IVRS / Info-centre by dialing
Universal Access Number (UAN) 1251.

f)

Customer Zones:
Customer zones have been conceptualized as a one-stop resolution for all the servicing needs
of a customer, with special emphasis on Quality Experience for the customer. As on 31.03.2010,
28 customer zones are operational throughout India. In these structures, we have merged the
info-centers already functional with addition of some more desks like Help Desk, Priority Desk
etc. to take care of walk-in customers as well.

g)

Annuity Payments:
Annuity policies best serve the purpose of a secured and guaranteed return in old age. Recently
we have introduced NEFT (National Electronic Fund Transfer System) for settlement of annuities
of our annuitants on the respective due dates. Due to NEFT, annuity would be credited to annuitants
bank account directly. Out of 10 Individual Pension Plan (IPP) Cells, 2 cells (North Central Zone,
Eastern Zone) have already started sending annuity through NEFT. The other cells are on the job
of implementing same shortly.

53 rd Annual Report

16. CORPORATE COMMUNICATION

During the year, the emphasis was on having maximum presence of Brand LIC in all media vehicles.
The purpose was to maintain and consolidate brand equity through various strategic initiatives. Focus
of all corporate communication activities was to extract maximum mileage out of every rupee spent on
media activities through meticulous media planning.
We produced four new TV commercials: LICs Pension Plans, Market Plus I, Jeevan Saral and Wealth
Plus plans. We also created more than 20 print advertisements on various products, CRM initiatives
and corporate themes.
Spreading insurance awareness has been an important issue through out the year. We sponsored ten
episodes of Insurance Class room on a prominent business news channel. Insurance Dictionary
capsule was run on a major radio channel. To create health awareness among people we sponsored
eight episodes of Fit Rahe India, a programme educating about health, on NDTV India. A series of print
ads was carried out in all major news papers educating the customers about claims and policy
servicing in addition to our usual product ads.
This year also we continued to bag almost all major awards in insurance category, the important
being:1 NDTV Profit Business Leadership Award
2 CNBC Awaaz Consumer Award
3 Readers Digest Most Trusted Brand Award
4 Golden Peacock Innovative Product Award
5 Nasscom IT User Award
6 Business Super Brand India Award
7 Rated Most Trusted Insurance Brand by ET Brand Equity
8 Award for Innovative HR Practices by Asia Pacific HRM Congress
9 Outlook Money NDTV Profit Award
10 Brand Leadership Award from World Brand Congress

17. Right to Information Act, 2005

Administrative structure of RTI in LIC
(Ref: Per.Admn/ZD/136 dated 23.09.2005 & CO/RTI/09-10/001 May 26, 2009)
a)

b)

c)

d)

Appellate Authority:
1.

Central office : Shri D.K.Mehrotra, Managing Director

2.

Zonal office : Zonal Managers (I/C)

3.

Divisional Office: Sr/ Divisional Managers (I/C)

CPIO
1.

Central Office : Smt. Thankom T. Mathew, Executive Director( New Project/CPIO)

2.

Zonal Office : Regional Manager (CRM)

3.

Divisional Office: Manager (CRM)

Alternative CPIO
1.

Central Office : Smt. Gopa Ray, Executive Director( Inspection)

2.

Zonal Office : Regional Manager (P&IR)

3.

Divisional Office: Manager(P&IR)

CAPIO
Branch Office/ Satellite Sampark Offices : Officers-In-charge

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53 rd Annual Report

Our Experience during 2009-10

During the financial year 2009-10, we received 6897 RTI applications, 1473 appeals, 108 hearing
cases and 13 show cause notices. The top three zones in receipt of RTI applications are North
Central (1627), Northern (1253) and Western (1113). The North Central Zone received the highest
number of appeals (376), 2nd and 3rd being the Northern Zone (277) and Western Zone (234)
respectively. Northern Zone attended to highest number of hearing cases (24) followed by Central
Office (20) and North Central Zone (20). Out of 13 Show Cause notices, the East Central Zone
received - 4 , North Central Zone received - 4 , Central Office received - 2 Northern Zone
received 1, Western Zone received 1 and Eastern Zone received 1. (The cases of Central
Office pertain to Western Zone and Eastern Zone).
Out of the three compensation cases one pertains to Eastern Zone (KMDO-I) and two pertain to
North Central Zone (Gorakhpur ) .The only case of penalty imposed in 2008-09 pertains to South
Zone, but paid in 2009-10, after the judgment of writ petition in Delhi High Court.
RTI STATISTICS SINCE INCEPTION OF RTI ACT, 2005
2005-06
No of Application

2006-07

2007-08

2008-09 2009-10

187

1311

2616

4555

6897

394

982

1473

Hearing cases

NIL

96

174

108

Show - Cause Notices

NIL

NIL

27

13

13

Compensation Cases

NIL

NIL

Penalty Cases

NIL

NIL

NIL

:
:
:

118
118
2625

Appeals

Total No of Appellate Authority

Total No of CPIOs
Total No of CAPIOs

18. PERSONNEL & EMPLOYEE RELATIONS

a)

Staff Strength
The total number of officers/employees working for the Corporation as on 31.03.2010 was
1,15,966 as compared to 1,14,916 at the end of the previous financial year.

b)

Employee Relations
The relationship with employees in the Corporation was cordial and harmonious. The
management held periodical discussions as also organized information sharing meetings with
employees representatives on various issues concerning the employees.

c)

Empowerment of Women
At every stage in the Corporation women officers/employees have contributed significantly. The
strength of women employees in the various categories is as under:
Category
Class 1 Officers
Development Officers

Total No.
25500
23634

Ladies
4529
594

Class III /IV employees

Total

66832
115966

18984
24107

In the Corporation Committees for prevention of sexual harassment at workplace are functioning
effectively at Central Office, Zonal Office and Divisional Office level.
d)

70

Reservation National Policy Implementation

1. Scheduled Castes, Scheduled Tribes and Other Backward Classes.
The Corporation has always implemented the National Policy in favour of SC/ST/OBC and
has provided for reservation in recruitment and promotions in accordance with the
instructions issued by Government of India.

53 rd Annual Report

During the year under review, total 1914 candidates belonging to SC/ST/OBC categories
were recruited by various offices of the Corporation, against the reserved vacancies.
2.

Physically Challenged
In accordance with the instructions issued by Government of India and with a view to help
and support rehabilitation of persons with disabilities the Corporation has identified jobs for
recruitment of the Visually Handicapped and persons with Locomotive Disability or Cerebral
Palsy. The total reservation of vacancies relating to jobs/posts identified in Class-I, III and IV
is to the extent of 3%.
In addition to reservation, relaxation in the upper age limit upto to 10 years has also been
provided. Persons recruited under the reserved quota of physically handicapped are granted
Conveyance Allowance as per rules.

3.

Ex-servicemen
The Corporation makes provision for recruitment of Ex-servicemen as per government
guidelines.

e)

Recruitment
During the year, the Corporation recruited 17 Engineers, 24 Actuarially Qualified Professionals,
47 Chartered Accountants and 307 Officers in the cadre of Assistant Administrative Officer.
110 Senior Marketing Ececutives have been selected on contractual basis for marketing
assignments in the P&GS, M-B & AC, CLIA and Direct Marketing Channels.

f)

Housing Loan to Employees

Under various Staff Housing Schemes and Agents Housing Scheme an amount of ` 60.67
crore and ` 31.40 crore was sanctioned as at 31.03.2010 to employees and agents of the
Corporation respectively.

g)

Sports
1.
All India LIC Games 2009-10
The year 2009-10 ended with Corporations biggest sports event of the year the ALL INDIA
LIC GAMES 2009-10 at Chennai. The All India Sports Tournament of all the six disciplines
together at one place succeeded in promoting a high level of camaraderie, companionship
and feeling of togetherness amongst the sports fraternity of the Corporation. The event
was conducted under the able leadership of Senior Divisional Managers, Chennai Divisional
Office I & II and guidance of Southern Zonal Office.
Out of turn promotions & special increments to sportspersons were granted as given below
to sportspersons for their outstanding performance in the field of sports at national and
international level.
Out of turn Promotions
HGA to AAO:
Assistant to HGA:

3
1

Special Increments
Two Special Increments:
4 Sportspersons
One Special Increment:
11 Sportspersons

2.

Sports Quota Recruitment:

With a view to retain competitive edge in the field of sports excellence and compete on equal
footing with other powerhouses in sports like Banks, Railways, Petroleum etc, a decision
has been taken to recruit about 75 sportspersons so as to strengthen the LIC teams of all
the six disciplines in our fold. The process is in the final stages and the notification for the
same shall be issued shortly.

3.
a)

Achievements / Highlights in Sports

Sriram Jha, LIC chess champion from Northern Zone has achieved the norm of Grand Master
and is selected in the Indian chess team.
Shri. Prakash Gaikwad, from Pune Division is selected in the Indian carrom team.
LIC carrom team was winners in both men & women team championship at the All India
Public Sector Carrom Tournament organized by Air India at Chennai.
LIC carrom team was winners of both men & women team championship at the 39th Senior
National Carrom Championship held at Guwahati.
LIC chess team was runners up at the All India Public Sector Chess Tournament held at
Mumbai
LIC volleyball team was runners up at the All India Public Sector Volleyball Tournament
organized by BSNL at Dehradun.

b)
c)
d)
e)
f)

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53 rd Annual Report

19. HRD/OD INITIATIVES & TRAINING ACTIVITIES

The Human Resources Development / Organizational Development Department is the vital link between
the employees and the organizations mission, vision, strategies and objectives. The HRD/OD
Department focuses on building and strengthening competencies, commitment, learning and also
performance culture in the organization. To ensure this, a number of initiatives are undertaken by the
department of which, the major initiatives during 2009-10 are as follows:
1.
Customized Training Programme on Business Leadership was held by Indian School of
Business, Hyderabad for 50 Officers in the cadre of Dy. Zonal Manager and Zonal Manager
(Ordinary).
2.
Post Graduate Executive Program (PGEP) is a unique one year in-house MBA (Master of Business
Administration) programme initiated in collaboration with Indian Institute of Management,
Ahmedabad. The second batch of 49 Officers has successfully completed the course.
3.
A specially customized program APEX- Achieving Personal Excellence was conducted for 1150
Officers in the cadre of DM/ADM aged 55 years and above.
4.
There were other major programmes where training inputs were given both on technical subjects
and general management in various institutions of repute in India.
The training data of our employees during the year 2009-10 is as follows:
Training Centers
No. of persons trained
In-house Training
2008-09
2009-10
Management Development Centre
2878
2328
National Insurance Academy
2286
1797
7 Zonal Training Centres
34344
38224
Total (A)
39508
42349
External Training Institues
Within the country (ISB, XLRI, ASCI, IIM, MDI etc)
730
584
Foreign Institutes / Bodies (FALIA, AIM, IFTDO,
13
9
SWISS RE, MUNICH RE etc)
Total (B)
743
593
Grand Total (A+B)
40251
42942
FA LIA - The Foundation for the Advancement of Life and Insurance around the world.
AIM - Asian Institute of Management
IFTDO - International Federation of Training and Development Organisation.

20. MANAGEMENT DEVELOPMENT CENTRE

It is now almost universally recognized that the key to riding the waves of competition lies in the unique
capabilities and expertise of people. Intensifying competition demands a matching elevation of skills
and knowledge which is in tune with the forces of change. This is where the role of corporate training
becomes critically important. It is the training intervention that provides new dimensions to existing
capabilities of the people which in turn propel the organisation ahead of competitors.
MDC is playing a critical role in enhancing the competencies of our Middle & Senior level Managers in
keeping with the vision of the organization and demands of competition. Accordingly MDC has conducted
113 training Programmes in 2009-2010 in which training was imparted to 2,328 participants.
In keeping with the strategic organizational initiative to develop world class managerial competencies,
49 participants of the Post Graduate Executive Programme, being conducted in collaboration with I.I.M.
Ahmedabad , are poised to complete the programme in April 2010 while another 50 officers are
attending the third PGEP.
In accordance with the Training Policy, MDC has conducted the following programmes in 2009-2010.
1.
Training for Marketing and Sales staff
26
2.
Functional Induction programmes
30
3.
Train the Trainer Programmes
05
4.
Special Programmes
43
5.
Other Programmes (including PGEP)
09
TOTAL
113

21. OFFICIAL LANGUAGE IMPLEMENTATION

To ensure Compliance of various provisions of Official Language Act, 1963 and Official Language
Rules, 1976, necessary action was taken by all the Offices situated in regions A, B and C. During the
year all Offices of the Corporation showed satisfactory progress with regard to implementation of
Official Language and concerted efforts continued to further increase the use of Official Language.

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53 rd Annual Report

22. ENGINEERING ACTIVITIES

During the year the Corporation completed construction of buildings for 13 Branch Offices, 1 Divisional
Office, 135 residential units at 17 locations and 12 flats under Policy Holders Housing Scheme. Also
1 Zonal Office, 4 Divisional Offices and 53 Branch Offices were modernized, taking the total number of
modernized Branch Offices to 835 nos. and Divisional Offices to 26 nos. State of art infrastructure work
for 149 Satellite Offices were also completed.
Apart from this, projects of Policy Holders Housing Schemes, Investment Buildings, Offices and Quarters
for own use are in progress. Work in respect of 22 Branch Offices, 4 Divisional Offices and 158
residential units in 22 locations, 544 flats under Policy Holders Housing Scheme at 6 locations and 3
Investment Buildings are in progress.
During the year, the Corporation invested ` 76.66 crore for construction of buildings including PHHS.
Also, we have earned revenue amounting to ` 104.84 lakh through consultancy & we have achieved a
saving of ` 106.15 lakh through energy audit.

23. STRATEGIC BUSINESS UNIT - ESTATES

Gross Revenue from Estate Portfolio of the Corporation for the current year as on 31.03.2010 is
`199.36 crore as against ` 193.21 crore of previous year ending 31.03.2009. This reflects a growth of
3.18% over the previous year.
Net surplus generated for the year amounted to ` 141.25 crore as against ` 127.13 crore in 2008-09
showing a growth rate of 11.10 %.
During the course of the year, 17 plots were purchased for construction of our own office buildings,
investment building and Policyholders Housing Scheme. An amount of ` 30.02 crore was invested
towards the above acquisition.

24. INFORMATION TECHNOLOGY

The year 2009-10 saw the consolidation of the major technology initiatives such as the Corporate Active
Data Warehouse (CADW), Enterprise Document Management System (EDMS) and the Portal resulting
in tremendous value addition for our customers. This year also saw the initiation of the modernization
of our Core Insurance system, the Front End Applications Package (FEAP).
a)

New channels for premium Payment:It has been our endeavor to bring more and more services to the doorsteps of the customer. As
part of these initiatives more channels were added this year to facilitate payment of renewal
premium by our customers. A major addition was the Premium Point where policy holders could
pay premium 24 x 7 and get a final receipt from the offices of Empowered LIC Agents across the
country. Nearly 12000 Empowered Agents and 700 Senior Business Associates (SBAs) were
collecting premium from the policy holders by the end of the year. We also introduced SMS based
enquiry services using which our customers can now get information on the date of the next
installment of premium. Nomination, bonus, loan and revival details by sending a simple sms:
asklic policy no premium/ nom/bonus /loan /revival to 56677.

b)

Corporate Active Data Warehouse (CADW):LICs CADW is one of the largest life insurance customer databases in the world with records of
more than 400 million policies being stored in it.
The Warehouse has enabled LIC to launch many customer focused campaigns like the customer
contact programs and Gold Club customer campaigns launched all over the country in 2009-10.
Another major achievement has been to send a single notice for premium falling due in the same
month for various polices of an individual customer. The project was also successfully used for
generating marketing leads and running a host of targeted marketing campaigns.

c)

Enterprise Document Management System (EDMS):LIC has implemented Enterprise Document Management System (EDMS) in its offices to digitize
the customer records and to offer Anytime Anywhere service to its customers.
After all the policy records are scanned it will be possible to offer various services like loan
disbursement and claims payment from any branch in the country irrespective of the branch
where the policy is serviced.

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53 rd Annual Report

As at 31.03.2010, 244 million policyholder records (policy dockets) have been digitized (with an
average of 16 documents in each docket) and enabled for online access from any office. This has
helped us to improve the quality of customer service quite substantially. In addition, the use of the
work-flow automation feature has helped to greatly speed up inter office communication and
decision making processes. As a socially committed organization, we have also made use of the
electronic archival feature of EDMS to do away with office copies and thereby, reduce the usage
of paper to a large extent.
d)

Network - achievement during 2009-10

1.
New network architecture has been finalized and network hardware has been installed and
commissioned in approx 3000 SOs and BOs .The leased lines connecting branches to
divisional offices are being up graded to 2Mbps; this will ensure fast data transfer between
the connected offices. The new concept of ISDN connectivity has been introduced as back
up link for branch offices.
2.

Network Implementation and Support Plan, which contains all the details like IP addressing,
physical connectivity of routers/ servers and so on for uniformity and ease in troubleshooting
was prepared. Online Leased link requisition module has been developed for better
management of the leased link portfolio in the centralised billing with BSNL. At present
there are more than 3000 links which are being managed at CO level.

25. INTERNAL AUDIT

The audit of all branch/divisional/zonal offices and central office departments of the Corporation for the
year 2009-2010 has been duly completed as on 31st March 2010.
In keeping with our practice of improving our systems and procedures through the use of IT as a tool,
audit packages are being used so that our auditors are able to carry out the audit in a Front End
Applications Package (FEAP) environment. Information Systems Audit was conducted in 27% of our
Branches in 2009-2010.

26. INSPECTION
During the year 2009-2010, inspection of all the branches, divisional and zonal offices and central
office departments of the Corporation in India was completed within time schedule. In addition to yearly
inspection, special inspection of all branches for observance of KYC Norms and AML Guidelines and
selected branches for new business closing was carried out. Implementation of inspection package in
all our offices led to transparency by on-line report writing, acceptance of compliance and closure
process..

27. VIGILANCE
Special efforts were made to focus on disposal of vigilance cases pending for more than one year.
Besides expediting disposal of vigilance cases, emphasis was also laid on preventive vigilance through
the dissemination of information on areas susceptible to vigilance.
Strict adherence to CVC guidelines is being ensured in the areas of stores purchase and building
contracts.

28. NOMINEE DIRECTORS

The Corporation appoints nominee directors on the Board of the Companies where it has substantial
stake by way of debt or equity. Nominees are officials of the Corporation who are in service or retired.
Adequate systems are in place to review and guide the nominee directors from time to time. Appointment
of nominee directors is periodically reviewed. nominee directors provide feedback with regard to
operations, problems, prospects and corporate governance standards etc.
Being an integral part of the follow-up mechanism of the financial institutions, the nominee directors
report to the Corporation on important matters discussed at the board meetings / other related committee
meetings or any other issue which deserves attention of the Corporation. Points of concern raised by
nominee directors in their reports are taken up with the company or jointly with other institutions if
required. The nominee directors, however are independent directors appointed as non-executive
directors and are not connected with day to day operational matters of the company.

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53 rd Annual Report

29. RISK MANAGEMENT

Corporation is the largest institutional investor in the financial market and its staggering fund size
which is placed in varying asset classes is exposed to various financial risks. To mitigate the investment
risks arising out of market risk, credit risk, interest rate risk and other risks inherent in the financial
market, a distinct full-fledged Risk management structure has been created in the Corporation. The
objective of the Risk Management department is to systematically identify investment risks on continuous
basis and evolve methodologies to address the same in a scientific manner so that not only the
policyholders capital is protected but also a reasonable return on their money is achieved. Corporation
is committed to have a continued organizational focus on Risk Management and plans to have a robust
Risk Management Policy covering are as such as Risk Vision, Risk Governance, Risk Identification,
Measurement & Management and Risk Monitoring & Reporting.

30. CORPORATE GOVERNANCE

Adherence to good corporate governance is an integral part of the philosophy of LICs business
conduct. The driving forces behind institutionalizing the practices of good corporate governance are
various proactive measures, initiatives and guidance by the Government, LIC Board and its sub
committees alongwith LICs human resources and agents. Our practice of operational transparency,
information sharing, accountability and ensuring dialogue with all the stakeholders in addition to
formulation of value-based policies and practices at all levels made us to imbibe good corporate
governance. This has enabled us to enhance our brand Equity, strengthen stake of shareholders and
maintain a healthy environment within the organization. This has led to a committed organizational
focus on the customer service which in turn has contributed to a good growth in business.

31. BOARD MEETINGS

Board meetings as per regulations are generally held once in three months. During the year four Board
Meetings were held. In addition to policy matters, the Board provides strategic direction for execution,
ensures financial discipline and accountability to the policy holders and also ensures the interest of the
policyholders and stakeholders
As per section 19 of Life Insurance Corporation Act, 1956, Executive Committee and Investment
Committee are formed by the Board. Further Building Advisory Committee and Audit Committee have
also been formed. As per the corporate governance guidelines of IRDA other sub committees of the
Board have been formed viz. 1) Risk Management Committee 2) Asset liability Management Committee
and 3) Policyholder Protection Committee. These committees will come into effect from the financial
year 2010-11 onwards.

32. CENTRAL MANAGEMENT COMMITTEE

Meetings of the Central Management Committee are held every month. Review of Corporation's
business, formulation and execution of strategies and various issues of concern are discussed. Zonal
Managers and Heads of departments of central office, interact on various issues of the organization.

33. ZONAL ADVISORY BOARD (ZAB)

ZABs are constituted for each Zone, which are competent to discuss and review all policy matters
affecting the proper development of life insurance business within the zone.

34. POLICYHOLDERS COUNCIL (PHC)

Policyholders Councils are constituted in each division. PHCs discuss all the matters which relate to
the servicing of the policyholders like claim settlement, outstanding claims, progress of new business,
publicity activities etc.

35. DIRECTION AS PER LIC ACT

No directives were received from the government of India as per Section 21 of Life Insurance Corporation
Act, 1956 during the year.

36. AUDITORS
With the previous approval of the Central Government, ten audit firms were appointed as statutory
auditors for the year 2009-10. The names and address of firms are given in Appendix II (page no.104)

75

53 rd Annual Report

37. BUSINESS PLANS FOR 2010-11

During the financial year of 2010-11, the Corporation has planned for sustained growth in New Business.
The new business annual budget is as under:
TOTAL POLICIES (in Crore)
4.66 (46.60 million)
SINGLE PREMIUM (` in Crore)
32,000.00 (3,20,000.00 million)
NON-SINGLE PREMIUM (` in Crore)
22,000.00 (2,20,000.00 million)
TOTAL NEW BUSINESS PREMIUM (` in Crore)
54,00,000.00 (540.00 billion)

38. ACKNOWLEDGEMENT
The Life Insurance Corporation of India expresses its sincere thanks to the Honble Parliamentary
Committees which visited its offices, the Honble Union Finance Minister, Honble Union Minister of
State for Finance (Expenditure and Financial Services), the Insurance Division of the Ministry of Finance,
Department of Financial Services and the Insurance Regulatory and Development Authority for their
active support, advice and co-operation on various issues.
The Life Insurance Corporation of India thanks its Board of Directors, Executive Committee, Investment
Committee, Audit Committee and Building Advisory Committee for their valuable direction and guidance.
The Life Insurance Corporation of India is grateful to the millions of its policyholders who have reposed
their trust, confidence and continued patronage to the organization.
The Life Insurance Corporation of India places on record the excellent contribution rendered by its
employees, officers and agents.

76

53 rd Annual Report
SUMMARISED RESULTS
NEW BUSINESS
for the year

2009-2010
(` in crore)

2008-2009
(` in crore)

397157.64
21.35
645.18
36951.06

363601.83
12.53
485.34
31654.92

305.91
0.23
0.19
82.18

293.34
0.07
0.16
65.46

84576.95
520.38

75318.77
347.52

18305
5190
268

15311
5484
540

186.40
149.76
51.17

201.37
110.65
5.69

2422714.40
1569.84
2381.20
223154.84

2113689.60
1581.10
2364.93
205716.13

2261.59
9.62
18.18
494.34

2102.53
9.43
18.46
448.80

457918.61
5197.96

417552.26
4176.08

125019
5974

121107
7009

764.22

624.48

70.00

22.60

INDIVIDUAL ASSURANCE
Sum Assured / NCO
a) Assurances
b) Annuities
c) Pension
d) Linked
No. of Policies (in lakh)
a) Assurances
b) Annuities
c) Pension
d) Linked
GROUP SCHEMES
Sum Assured (incl. Linked Business)
Annuities per annum
No. of Schemes:
Group Insurance(incl. Linked Business)
Social Security Group Schemes
Group Superannuation
No. of lives (in lakh)
Group Insurance (incl. Linked Business)
Social Security Group Schemes
Group Superannuation
BUSINESS IN FORCE
At the end of the year :
INDIVIDUAL INSURANCE
Sum Assured & Bonus/APA
a) Assurances
b) Annuities
c) Pension
d) Linked
No. of Policies (in lakh)
a) Assurances
b) Annuities
c) Pension
d) Linked
GROUP SCHEMES
Sum Assured
Annuities per annum
No. of schemes:
Group Insurance
Group Superannuation
No of lives (in lakh)
Group Insurance
Group Superannuation

NCO - Notional Cash Option, APA - Annuty Per Annum, ( 10 lakh = 1 million & 100 lakh = 1 crore; 100 crore = 1 billion)

77

53 rd Annual Report

SUMMARISED RESULTS (Contd.)

INCOME

2009-2010
(` in crore)

2008-2009
(` in crore)

18933.96

13791.81

37.28%

44.55%

85375.72

77577.13

2510.48

11336.47

First Year Premium

34.52

22.25

Renewal Premium

1204.88

1321.94

922.39

205.82

Group Insurance Premium

19174.44

9984.84

Group Superannuation Premium

10576.97

8253.81

Linked Business Premium

47252.55

34692.48

185985.91

157186.55

18.32%

5.00%

67197.89

56582.79

8589.22

3505.02

INDIVIDUAL ASSURANCE
First Year Premium
Percentage Increase over Previous Year
Renewal Premium
Single Premium & Consideration for Annuities Granted
Individual Pension Schemes

Consideration for Annuities Granted

Group Schemes

Total Premium Income

Percentage Increase over Previous Year
Income from Investments
Miscellaneous
TOTAL INCOME
Variation due to change in Fair value of Linked Business (unit Fund)
NET TOTAL INCOME

78

261773.02

217274.36

36948.53

(16993.71)

298721.55

200280.65

53 rd Annual Report

SUMMARISED RESULTS (Contd .)

OUTGO

2009-2010
(` in crore)

2008-2009
(` in crore)

Claims by Maturity
Numbers (in lakh)
Amount

206.88
46921.22

145.73
34744.14

Claims by Death
Numbers (in lakh)
Amount
Annuities
Surrenders, etc.

8.79
7033.68
3770.54
22408.76

7.87
5961.59
2812.28
9732.36

80134.20

53250.37

Payments to Policy-holders

79

53 rd Annual Report

SUMMARISED RESULTS (Contd.)

EXPENSES OF MANAGEMENT

2009-2010
(` in crore)

2008-2009
(` in crore)

12110.31

10033.24

Salary and other Benefits to Employees

8052.46

5773.71

Other Expenses of Management

4193.37

3290.58

24356.14

19097.53

Other Outgo (Taxes, transfers to reserves,etc.)

3207.11

4572.45

5% of Valuation Surplus paid to the Central Government

1030.92

929.12

Total

4238.03

5501.57

108728.37

77849.47

722236.13

614457.76

Commission etc. to Agents

Total
Other Outgo

Total Outgo
Policy Liabilities
Non Linked Business
Policy Liabilities at the beginning of the year
Add : Excess of Income over Outgo

117245.29

107778.37

Policy liability at the end of the year

839481.42

722236.13

16.23%

17.54%

Policy Liabilities at the beginning of the year

87288.78

72628.08

Add : Addition during the year

72747.39

14660.70

160036.17

87288.78

83.34%

20.19%

2009-2010
(` in Crore)

2008-2009
(` in Crore)

Maturity

275.34

156.36

Death

237.91

261.44

Total

513.25

417.80

Commission etc. to Agents

6.51%

6.38%

Salary and other benefits to Employees

4.33%

3.67%

Other Expenses of Management

2.25%

2.09%

13.10%

12.15%

0.95%

1.03%

7.59

7.71

Percentage increase over the previous year

Linked Business

Policy liability at the end of the year

Percentage increase over the previous year

OUTSTANDING CLAIMS AT THE END OF THE YEAR

Ratio of Expenses of Management

to Total Premium Income

Overall Expenses Ratio

Ratio of Outstanding Claims To Claims payable
Rate of Interest realised on Mean Life Insurance Fund

80

53 rd Annual Report

Table No. 1 A

NEW BUSINESS (INDIVIDUAL)

NEW BUSINESS IN INDIA

Year

No. of
Policies

Individual Assurance
2007-2008
17961363
2008-2009
29322395
2009-2010
30578367

Sum
Assured/
NCO
(` in crore)

NEW BUSINESS OUT OF INDIA

Annual
No. of
Sum
Premium Policies Assured/
Receivable
NCO
(` in crore)
(` in crore)

TOTAL NEW BUSINESS

Annual
Premium
Receivable
(` in crore)

No. of
Policies

Sum
Annual
Assured/ Premium
NCO Receivable
(` in crore) (` in crore)

173662.72
363135.70
396701.12

9871.89
16858.57
20948.53

10509
11121
12274

381.08
466.13
456.52

25.74
19.75
22.26

17971872
29333516
30590641

174043.80
363601.83
397157.64

9897.63
16878.32
20970.79

General Annuity
2007-2008
2008-2009
2009-2010

4270
6505
23466

10.23
12.53
21.35

0.19
0.74
1.18

4270
6505
23466

10.23
12.53
21.35

0.19
0.74
1.18

Pension
2007-2008
2008-2009

11921
16471

161.18
485.34

15.62
27.25

11921
16471

161.18
485.34

15.62
27.25

2009-2010

18661

645.18

37.78

18661

645.18

37.78

Unit Linked
Money Plus
2007-2008
2008-2009
2009-2010

7366061

61637.09

7133.83

7366061

61637.09

7133.83

81

53 rd Annual Report

Table No. 1 A (Contd.)

NEW BUSINESS
NEW BUSINESS IN INDIA

Year

NEW BUSINESS OUT OF INDIA

TOTAL NEW BUSINESS

No. of
Policies

Sum
Assured/
NCO
(` in crore)

Annual
Premium
Receivable
(` in crore)

No. of
Policies

Sum
Assured/
NCO
(` in crore)

Annual
Premium
Receivable
(` in crore)

No. of
Policies

Sum
Assured/
NCO
(` in crore)

Annual
Premium
Receivable
(` in crore)

Market Plus
2007-2008
2008-2009
2009-2010

8397718

1699.14

2638.82

8397718

1699.14

2638.82

Fortune Plus
2007-2008
2008-2009
2009-2010

209621
123925
158

3912.98
2467.29
8.42

629.05
392.08
1.16

209621
123925
158

3912.98
2467.29
8.42

629.05
392.08
1.16

3537146
1971972
631508

34458.86
18262.46
6743.07

4011.57
1988.80
813.08

3537146
1971972
631508

34458.86
18262.46
6743.07

4011.57
1988.80
813.08

986802
456163

6024.62
3142.35

782.09
410.99

986802
456163

6024.62
3142.35

782.09
410.99

26629
23828

374.92
440.97

29.17
29.93

26629
23828

374.92
440.97

29.17
29.93

3339196
5132078

722.29
1196.28

777.89
1272.91

3339196
5132078

722.29
1196.28

777.89
1272.91

101895
97437
50100

3756.69
3798.72
1835.34

109.72
105.28
49.78

101895
97437
50100

3756.69
3798.72
1835.34

109.72
105.28
49.78

Health Protection Plus*

2007-2008
2008-2009
2009-2010
43965

2629.94

43.69

43965

2629.94

43.69

11330

149.04

13.48

11330

149.04

13.48

Wealth Plus
2007-2008
2008-2009
2009-2010

1869029

20802.99

2547.81

1869029

20802.99

2547.81

UK - Linked
2007-2008
2008-2009
2009-2010

86
35
26

12.62
4.62
2.67

1.12
0.41
0.20

86
35
26

12.62
4.62
2.67

1.12
0.41
0.20

Profit Plus
2007-2008
2008-2009
2009-2010
Money Plus-1
2007-2008
2008-2009
2009-2010
Child Fortune Plus
2007-2008
2008-2009
2009-2010
Market Plus-1
2007-2008
2008-2009
2009-2010
Health Plus *
2007-2008
2008-2009
2009-2010

Jeevan Sathi Plus

2007-2008
2008-2009
2009-2010

NCO - National Cash Option

* In case of Health Plus Plans figure in SA column indicates major surgical benefit ( MSB)

82

53 rd Annual Report

Table No. 1 B
Year

NEW BUSINESS (GROUP)

No. of Schemes

No. of lives

Sum Assured /

(in lakh)

Annuity per annum

(` in crore)

Group Insurance (incl.Social Security)

2007-2008

22,113

262.88

67,784.93

2008-2009

20,771

311.83

75,256.56

2009-2010

23487

336.05

84549.77

2007-2008

445

4.21

279.04

2008-2009

540

5.69

347.52

2009-2010

268

51.17

520.38

Group Superannuation

Linked Business G Plus

2007-2008

46

0.29

138.38

2008-2009

24

0.19

62.21

0.11

27.18

2009-2010

83

53 rd Annual Report
TABLE No. 2 STATEMENT OF LIVES COVERED UNDER SOCIAL SECURITY GROUP SCHEMES
(APPROVED OCCUPATIONS)

Sr. No.

OCCUPATIONS

TOTAL LIVES
COVERED
AS AT 31.3.2010
482454

BEEDI WORKERS

BRICK KILN WORKERS

CARPENTERS

51

COBBLERS

FISHERMEN

11057

24621

HAMALS

946

10994

HANDICRAFT ARTISANS

37509

77065

HANDLOOM WEAVERS

105716

634835

HANDLOOM & KHADI WEAVERS

19117

4065

5282

10

LADY TAILORS

11

LEATHER & TANNERY WORKERS

12

PAPAD WORKERS ATTACHED TO SEWA

13

PHYSICALLY HANDICAPPED

954

4240

SELF-EMPLOYED PERSONS

63

2011

14

PRIMARY MILK PRODUCERS

86396

672915

15

RICKSHAW PULLERS/AUTO DRIVERS

16

SAFAI KARMACHARIS

17

SALT GROWERS

209

18

TENDU LEAF COLLECTORS

1200000

19

SCHEME FOR THE URBAN POOR

1151672

3125540

20

FOREST WORKERS

2506

159572

21

SERICULTURE

214076

214076

22

TODDY TAPPERS

2165

23

POWERLOOM WORKERS

17407

108482

24

HILLY AREA WOMEN

87

25

FOOD STUFFS AS KHANDSARI/SUGAR

26

TEXTILE

27

WOOD PRODUCTS

28

PAPER PRODUCTS

29

LEATHER PRODUCTS

429

1111

30

PRINTING

31

RUBBER & COAL PRODUCTS

32

CANDLE PRODUCTS

5327

44066

33

TOYS MANUFACTURE

34

AGRICULTURISTS

35

TRANSPORT DRIVERS ASSOCIATION

36

TRANSPORT KARMACHARIS

37

RURAL POOR

38
39

1521

30

1090

45183

174579

1345

1345

114

198

3213925

5242978

CONSTRUCTION WORKERS

13134

18118

FIRE CRACKERS WORKERS

40

COCONUT PROCESSORS

27

41

AANGANWADI TEACHERS

35467

1958400

42

KOTWAL

1919

43

PLANTATION WORKERS

44

WOMAN ASSOCIATED WITH SELF HELP GROUP

45

SHEEP BREEDERS (KBPBY)

ALL INDIA TOTAL

84

NEW LIVES (UNDER

NEW AND EXISTING
SCHEMES) DURING
2009-10

734

3557

4141536

4229400

12526

21192

9102117

18443217

53 rd Annual Report

Table No. 3A

IN FORCE BUSINESS (INDIVIDUAL)

BUSINESS IN - FORCE IN INDIA

Year

No. of
Policies

Sum
Annual
Assured/
Premium
APA Receivable
(` in crore) (` in crore)

BUSINESS IN-FORCE OUT OF INDIA

No. of
Policies

Sum
Annual
Assured/
Premium
APA Receivable
(` in crore) (` in crore )

TOTAL BUSINESS IN - FORCE

No. of
Policies

Sum
Assured/
APA
(` in crore )

Annual
Premium
Receivable
(` in crore)

IA
2007-2008
2008-2009
2009-2010

192428438
210154031
226057878

1485379.90
1784879.93
2061033.71

79142.55
90747.74
104631.17

98946
99201
100992

2598.25
2907.83
2757.48

145.40
150.79
145.03

192527384
210253232
226158870

1487978.15
1787787.75
2063791.18

79287.95
90898.53
104776.20

GA
2007-2008
2008-2009
2009-2010

943980
942628
961860

1592.28
1581.10
1569.84

79.44
1989.28
67.37

2
2
1

0.00

943982
942630
961861

1592.28
1581.10
1569.84

79.44
1989.28
67.37

Pension
2007-2008
2008-2009
2009-2010

1884701
1846151
1817976

2296.41
2363.74
2379.95

1336.40
1588.73
1199.42

156
153
171

1.19
1.20
1.25

0.20
0.20
0.17

1884857
1846304
1818147

2297.59
2364.93
2381.20

1336.60
1588.93
1199.60

410613
385588
288454

1646.36
1497.80
1140.14

130.43
145.19
132.14

410613
385588
288454

1646.36
1497.80
1140.14

130.43
145.19
132.14

Unit Linked
Bima Plus
2007-2008
2008-2009
2009-2010

85

53 rd Annual Report

Table No. 3A (Contd.)

IN FORCE BUSINESS

BUSINESS IN - FORCE IN INDIA

Year

No. of
Policies

BUSINESS IN - FORCE OUT OF INDIA

Sum
Annual
Assured/
Premium
APA Receivable
(` in crore) (` in crore)

TOTAL BUSINESS IN - FORCE

No. of
Policies

Sum
Assured/
APA
(` in crore )

Annual
Premium
Receivable
(` in crore )

No. of
Policies

Sum
Assured/
APA
(` in crore )

Annual
Premium
Receivable
(` in crore)

Future Plus
2007-2008
2008-2009
2009-2010

2502373
2338383
1464406

348.19
323.79
235.37

146.01
114.10
84.93

2502373
2338383
1464406

348.19
323.79
235.37

146.01
114.10
84.93

Jeevan Plus
2007-2008
2008-2009
2009-2010

413219
393719
298674

5432.94
5166.90
4135.90

527.31
504.08
345.02

413219
393719
298674

5432.94
5166.90
4135.90

527.31
504.08
345.02

Money Plus
2007-2008
2008-2009
2009-2010

18140809
18044242
16463514

149069.86
130816.46
121634.46

16951.40
14800.52
12148.70

18140809
18044242
16463514

149069.86
130816.46
121634.46

16951.40
14800.52
12148.70

Market Plus
2007-2008
2008-2009
2009-2010

13368619
13335767
12373474

2297.04
2046.69
1801.17

3676.30
2695.03
2033.55

13368619
13335767
12373474

2297.04
2046.69
1801.17

3676.30
2695.03
2033.55

209610
333131
332746

3908.34
5599.13
4892.78

628.41
619.14
273.71

209610
333131
332746

3908.34
5599.13
4892.78

628.41
619.14
273.71

Profit Plus
2007-2008
2008-2009
2009-2010

3537019
5494494
6097356

34233.39
46201.11
47608.49

3982.14
5083.57
5180.33

3537019
5494494
6097356

34233.39
46201.11
47608.49

3982.14
5083.57
5180.33

Money Plus-1
2007-2008
2008-2009
2009-2010

986581
1431013

5752.69
7462.23

747.80
979.52

986581
1431013

5752.69
7462.23

747.80
979.52

26623
50345

368.46
740.49

28.56
52.39

26623
50345

368.46
740.49

28.56
52.39

3343316
8462219

697.44
1753.17

754.67
1770.17

3343316
8462219

697.44
1753.17

754.67
1770.17

101895
198266
247565

3743.52
7216.75
8228.04

109.70
205.17
228.85

101895
198266
247565

3743.52
7216.75
8228.04

109.70
205.17
228.85

2007-2008
2008-2009
2009-2010

43832

2623.53

43.24

43832

2623.53

43.24

Jeevan Sathi
Plus
2007-2008
2008-2009
2009-2010

11310

142.16

12.78

11310

142.16

12.78

Wealth Plus
2007-2008
2008-2009
2009-2010

1869364

20727.50

2548.10

1869364

20727.50

2548.10

UK - Linked
2007-2008
2008-2009
2009-2010

182
207
226

31.43
28.90
29.40

2.59
2.59
2.50

182
207
226

31.43
28.90
29.40

2.59
2.59
2.50

Fortune Plus
2007-2008
2008-2009
2009-2010

Child
Fortune Plus
2007-2008
2008-2009
2009-2010
Market Plus-1
2007-2008
2008-2009
2009-2010
Health Plus *
2007-2008
2008-2009
2009-2010
Health
Protection Plus *

IA - Individual Assurance, GA - General Annuity,APA - Annuty Per Annum

* In case of Health Plus & Health Protecton Plus Plans figure in SA column indicates major surgical benefit ( MSB)

86

53 rd Annual Report

Table No. 3 B
Year

Group Insurance (incl. Social Security)

2007-2008
2008-2009
2009-2010
Group Superannuation
2007-2008
2008-2009
2009-2010
Linked Business G Plus
2007-2008
2008-2009
2009-2010

BUSINESS IN FORCE (GROUP)

No. of Schemes

No. of members
(in lakh)

Sum Assured/
NCO/ APA
(` in crore )

Premium
Income
(` in crore )

1,28,840
1,21,027
1,24,946

494.83
623.90
763.66

3,06,711.77
4,17,243.60
4,57,628.70

12,088.24
10,006.92
19,174.44

6,463
7,009
5974

15.54
22.61
70.00

3,211.30
4,176.08
5,197.96

6,019.01
8,253.81
10,576.97

64
80
73

0.42
0.58
0.56

238.67
308.66
289.91

83.15
50.93
52.11

87

88
(8)

(7)

9628421930
15698445673

961861

11801419

8942965915

213533705

23466

Total

631508
631508

67430693000
67430693000

5936176000
5936176000

8130792000
8130792000

6097356
6097356

476084949500
476084949500

59892945217
59892945217

2024331705
48927750000
332746
11551750

84185000

Linked Plan - Profit Plus

In India
Total

158

20686783178
18011666000
12373474

Total

Total

20686783178
18011666000
12373474

Linked Plan - Market Plus

In India

2024331705

108801162656
1216344642225
16463514

Total

48927750000

108801162656
1216344642225
16463514

Linked Plan - Money Plus

In India

332746

1741574147
41359020500
298674

Total

11551750

1741574147
41359020500
298674

Linked Plan - Jeevan Plus

In India

906197738
2353722500
1464406

Total

84185000

906197738
2353722500
1464406

Linked Plan - Future Plus

In India

158

669060500
11401415700
288454

Total

Linked Plan - Fortune Plus

In India

669060500
11401415700
288454

In India

Unit Linked Plans - Bima Plus

9628421930

15698443630
2043

961860
1

11801419

8942965915

213533705

23466

1068886670131

24227143950873

226158870

209707901462

25104767643

3971576360505

30590641

Total

Annuity Contracts etc :

In India
Out of India

1067178245964
1708424167

24194369141306
32774809567

226057878
100992

(6)

209485277234
222624228

(5)

(4)

(3)

(`)

Premium income
for which credit
has been taken
in the Revenue
Account
(`)

Sum insured with

Bonuses and
Annuities per annum

24825248252
279519391

(`)

(` )

(` )

Number of
Policies

3967011184469
4565176036

Yearly Renewal
Premium

Single
Premiums*

Sum insured and

annuities per annum

Total life insurance business in force at the end of the year 31.3.2010

30578367
12274

(2)

Number of
policies

New life insurance business in respect of which a premium has been paid during the year 2009-2010

Form DD
STATUTORY STATEMENTS REGARDING POLICIES

Ordinary Policies **
In India
Out of India

(1)

Table - 4

53 rd Annual Report

11962785000
11962785000
18353390000
18353390000

5132078
5132078
50100
50100

18661

18661
23487
23487
268
268
8

Pension
In India
Out of India
Total
Group Insurance Policies
Total
Group Annuity Contracts etc.
Total
Linked Business (G +)
271810000

280935381

280935381
108131474976
108131474976
78456255199
78456255199
0

3575318
3575318

52668478500
52668478500

141035000
141035000

173363438004
173363438004

345119049
345119049

322200000

377839430

377839430
9634055686
9634055686
14060769007
14060769007
322200000

2022570
2022570

25478144700
25478144700

134839000
134839000

436862400
436862400

497751608
497751608

12729108250
12729108250

299336000
299336000

4109882000
4109882000

(5)

(`)

Yearly Renewal
Premium

73

1817976
171
1818147
124946
124946
5974
5974
73

226
226

1869364
1869364

11310
11310

43832
43832

247565
247565

8462219
8462219

50345
50345

1431013
1431013

(6)

2899114128

23799460781
12509100
23811969881
4576287023604
4576287023604
51979557458
51979557458
2899114128

293999468
293999468

207275043000
207275043000

1421550000
1421550000

26235300000
26235300000

82280390000
82280390000

17531670000
17531670000

7404930000
7404930000

74622345000
74622345000

(7)

(`)

Sum insured with

Bonuses and
Annuities per annum

521100597

11988193201
1386555
11989579756
191744396002
191744396002
105769726651
105769726651
521100597

27228302
27228302

74604638985
74604638985

258674363
258674363

460539425
460539425

2204022058
2204022058

189650197075
189650197075

816914049
816914049

9356173898
9356173898

(8)

Premium income
for which credit
has been taken
in the Revenue
Account
(`)

Total life insurance business in force at the end of the year 31.3.2010

Number of
Policies

NCO - Notional Cash Option

* Including consideration for immediate or deferred annuities and all other premiums paid at the outset where no subsequent premium is payable
** Ordinary Policies indicate Individual Insurances
*** Notional Cash Option = ` 6451756697
# In case of Helth Plus and Helth Protection Plus plans figures in SA column indicates major surgical benefit (MSB)

26661150
26661150

26
26

Total

208029865000
208029865000

1869029
1869029

***

***
845497673000
845497673000
5203786483
5203786483
271810000

1490435000
1490435000

11330
11330

26299380000
26299380000

4409690000
4409690000

23828
23828

43965
43965

31423520000
31423520000

(4)

(`)

(`)
(3)

Single
Premiums*

Sum insured and

annuities per annum

456163
456163

(2)

Number of
policies

New life insurance business in respect of which a premium has been paid during the year 2009-2010

Form DD
STATUTORY STATEMENTS REGARDING POLICIES

In India
Total
Linked Plan -Wealth Plus
In India
Total
UK - Linked
Out of India
Total

Linked Plan- Jeevan Sathi Plus

In India
Total

Linked Plan - Health Protection Plus #

Linked Plan - Money Plus 1

In India
Total
Linked Plan Child Fortune Plus
In India
Total
Linked Plan - Market Plus 1
In India
Total
Linked Plan - Health Plus #
In India
Total

(1)

Table - 4

53 rd Annual Report

89

53 rd Annual Report

(Amount ` in crore)

LIFE FUND, TOTAL SURPLUS, SHARE OF SURPLUS TO CENTRAL GOVERNMENT AND TAXES PAID
(` in crore)

Table No. 5
Year

Life Fund

Valuation
Surplus
(Life)

Surplus
Retained

5% Share paid to
Central Govt.
Life Business

100% Share paid to

Central Govt.
CRAC Business

Taxes Paid to
Government
(Life)

2007-2008

686616.45

16590.14

829.59

3510.45

2008-2009

809524.91

18582.32

929.12

3348.48

2009-2010

999517.59

20618.45

1030.92

3625.29

Previous years figures are regrouped wherever necessary

90

53 rd Annual Report

INVESTMENTS AS AT 31ST MARCH, 2010

Table No. 6
` in crore
Investment in India
I

Loan

85104.36

Securities

III

Other Investments

4500.99

TOTAL (in India)

1094718.10

1005112.75

Investment out of India

I

Loan

106.40

Securities

961.06

III

Investment Property
TOTAL (out of India)
GRAND TOTAL (in India & Out of India) [GROSS]

55.78
1123.24
1095841.34

91

53 rd Annual Report

LOANS AND DEBENTURES ADVANCED TO

VARIOUS ENTITIES FOR INFRASTRUCTURE & SOCIAL PURPOSE
Table No. 7
Amount Advanced
during 2009-2010
(` in crore)
1.

Power

13044.74

2.

Housing
(a)

Loans to State Governments for Housing Schemes

30.08

(b)

Loans to Apex Co-operative Housing Finance Societies & others

27.00

(c)

Debentures , Bonds etc. to Housing Finance Companies.

3.

Water Supply & Sewerage Schemes

4.

Transport

5.

Other Infrastucture
TOTAL

92

3977.69
47.00
680.87
3001.36
20808.74

53 rd Annual Report

Table No. 8

CLAIMS SETTLEMENT
Claims settled during the year
(A) Maturity

YEAR

(B) Death

Number
(in lakh)

(` in crore)

Amount

Number
(in lakh)

(` in crore)

Amount

2007-2008

135.66

32908.33

8.14

5955.68

2008-2009

145.73

34595.59

7.87

5489.53

2009-2010

206.88

46727.20

8.79

6808.62

Note: Individual including Micro Insc. and Pension &Group Schemes (P&GS)

Table No. 9

AAM ADMI BIMA YOJANA

State-wise coverage upto 31.03.2010, cumulative since inception, under Aam Admi Bima Yojana :
Sr. No.

State

Lives covered

Himachal Pradesh

Andhra Pradesh

Maharashtra

985927

Gujarat

382398

Chandigarh

Jammu & Kashmir

Madhya Pradesh

1364232

Bihar

1161154

Jharkhand

37546

10

Karnataka

604687

11

Kerala

299624

12

Uttar Pradesh

13

Chattisgarh

333870

14

West Bengal

397409

15

Puducherry

148452

TOTAL

5000
5368797

1297
86097

1869176

13045666

93

53 rd Annual Report

APPENDIX - I
MEMBERS OF THE CORPORATION
Name & Designation

Qualification

Field of
Specialization

Status of
directorship

Shri T. S. Vijayan,
Chairman
Shri D.K. Mehrotra,
Managing Director
Shri Thomas Mathew T.,
Managing Director
Shri A.K. Dasgupta,
Managing Director
Shri Ashok Chawla,
Finance Secretary to
the Govt. of India
(Member from 14.05.2009)
Shri R. Gopalan,
Secretary, Department
of Financial Services,
Govt. of India.
(Member from 19.02.2010)
Shri Yogesh Lohiya,
Chairman-cum-Managing
Director, GIC
Shri D.L. Rawal,
CMD Dena Bank
(Member from15.01.2010
to 25.07.2010)
Shri S. Sridhar,
Chairman & Managing
Director, Central Bank of
India.
(Member from 26.07.2010)
Dr. Sooranad Rajashekhran
Shri Monis R. Kidwai,
(Retd. GM, BHEL)
Lt. Gen. Arvind Mahajan,
(Retd. Director General
EME & Sr. Col. Comdt.)

B.Sc.(Spl.) &
Diploma in Mgmt.
B.Sc.(Hons.)

Insurance

Chairman

Insurance

Managing Director

Insurance

Managing Director

Insurance

Managing Director

Economics
& Public
Administration

Member

Economics
& Public
Administration

Member

Insurance

Ex-officio

BSc. (Hons) and CAIIB

Banking

Member

M.Sc (Physics),
Diploma in
System Mgmt., CAIIB

Banking

Member

**

M.A., Ph.D
B.Sc.(Mech. Engg.),
M.E. (Mech. Engg.)
M.E., PGDM
(Industrial Mgmt.),AMIE
& FIE,M.Phil
(Defence Studies)
BSc.(Maths), FCA

Social Work
Commercial
Contracting & Mktg.
Engineering

Non-Official Member
Non-Official Member

4
4

Non-Official Member

Non-Official Member

**

Non-Official Member

**

Shri Anup Prakash Garg

(Member from 19.07.2010)
Shri Sanjay Jain
(Member from 06.10.2010)

M.A.(Eco.), LLB,
AIII, PGDM (Mktg.)
BSc(Hons.),
PGDPM
MA (Eco.),
Diploma
(Micro-level
Planning)
MA (Eco.)
Boston University,
MBA( Public
Administration)
Harvard University
B.E.(Mech.),
AIII, PGDM

B.E. Hons.(Mech.),
MBA

Audit, Direct & Indirect

Taxes, Project
Financing
Management
Consultancy

* Appointed as Member after the last Board meeting of Financial Year 2009-10
** Appointed during the Financial Year 2010-11

94

No. of
Meetings attended

53 rd Annual Report
MEMBERS OF THE EXECUTIVE COMMITTEE
Name & Designation
Shri
Shri
Shri
Shri
Shri

T. S. Vijayan, Chairman
D.K. Mehrotra, Managing Director
Thomas Mathew T., Managing Director
Yogesh Lohiya, Chairman-cum-Managing Director, GIC
S. Sridhar, CMD, Central Bank of India
(Member from 26.07.2010)
Shri A.K. Dasgupta, Managing Director (Special Invitee)

No. of Meetings attended

4
4
4
3
*
4

* Appointed as a member during the current Financial Year 2010-11

MEMBERS OF THE INVESTMENT COMMITTEE

Name & Designation
Shri
Shri
Shri
Shri
Shri

T. S. Vijayan, Chairman
Thomas Mathew T., Managing Director
R. Gopalan, Secretary, DFS (Member from 19.02.2010)
Yogesh Lohiya, Chairman-cum-Managing Director, GIC
S. Sridhar, CMD, Central Bank of India
(Member from 26.07.2010)
Shri T. Bhargava, Appointed Actuary
Shri D.K. Mehrotra, Managing Director (Special Invitee)
Shri A.K. Dasgupta*, Managing Director (Special Invitee)
(Member from 05.08.2010)
Dr. Sooranad Rajashekhran (Member from 30.10.2010)

No. of Meetings attended

11
11
1
9
*
10
11
11
*

* Appointed as a member during the Financial Year 2010-11

MEMBERS OF THE BUILDING ADVISORY COMMITTEE #

Shri
Shri
Shri
Shri
Shri

T.S.Vijayan, Chairman
Thomas Mathew T., Managing Director
Monis R. Kidwai
K.T. Gurumukhi
Y.N. Ramamurthy

MEMBERS OF THE AUDIT COMMITTEE #

Shri Anup Prakash Garg (Member from 19.07.2010)
Shri Yogesh Lohiya
Shri Monis R. Kidwai

MEMBERS OF THE RISK MANAGEMENT COMMITTEE #

Shri Yogesh Lohiya, CMD, GIC
Lt. Gen. Arvind Mahajan
Shri Monis R. Kidwai

MEMBERS OF THE ASSET LIABILITY MANAGEMENT COMMITTEE #

Shri D.K. Mehrotra
Shri A.K. Dasgupta
Shri S. Sridhar

MEMBERS OF THE POLICYHOLDER PROTECTION COMMITTEE #

Shri Thomas Mathew T.
Dr. Sooranad Rajashekhran
Lt. Gen. Arvind Mahajan
# Committees are formed from F.Y. 2010-11 as per IRDA guidelines.

95

53 rd Annual Report

Senior Executives of the Corporation as on 31.03.2010

Shri T.S. Vijayan
Chairman

Shri Basavaraju
ZM (I / C), ZO, Patna

Shri D.K. Mehrotra

Managing Director

Shri Dash R. R.
ZM (I / C), ZO, Kolkata

Shri Thomas Mathew T.

Managing Director

Shri Pandey G. B.
ZM (I / C), ZO, Bhopal

Shri A.K. Dasgupta

Managing Director

Shri Sahoo A. K.
ED (OS / SBU - Estate), CO, Mumbai

Shri Shah Ashok

Chair Professor , NIA , Pune

Shri Samal B. N.
Principal, ZTC, Hyderabad

Shri Chattopadhyay T.
ED (Mktg.), CO, Mumbai

Smt. Sukumar S. P.
ED ( U & R ) , CO , Mumbai

Shri Roy Chowdhury S.

ZM ( I / C ) , ZO , Mumbai
Shri Ramachandran Nair R.
Chief Executive ( LIC HFL ), Mumbai
Shri Mohanraj N.
ED (Investment - Operations), CO, Mumbai
Dr. Sadhak H.
Chief Executive Officer, LIC Pension Fund Ltd.,
CO, Mumbai
Smt. Vijayalakshmi D.
ED (Personnel), CO, Mumbai
Shri Lohani L. M.
ED ( Audit) , CO , Mumbai
Shri Mitter S. K.
MD & CEO , IDBI Trusteeship Services Ltd., Mumbai
Shri Sinha V. K.
ZM (I / C), ZO, Delhi
Shri Sarker S.
Chief Executive,
LICMF, AMC Ltd., Mumbai
Smt. Ray Gopa
C.V.O., (GIC / New India), Mumbai (On Deputation)
Smt. Choudhury S.
Director (MDC), Mumbai

Shri Rai R. R.
ED ( SBU - IO / CC ) , CO , Mumbai
Smt. Philomina Thomas
Principal, ZTC, Gurgaon
Shri Saha K. B.
ED (HRD / OD / Corp. Plng), CO, Mumbai
Shri Roy S. K.
ZM ( I / C ) , ZO , Kanpur
Shri Sharma V. K.
ZM ( I / C ) , ZO , Chennai
Shri Manickam V.
ED (Investment - Monitoring and Accounting), CO, Mumbai
Shri Hariharan S.
Principal, ZTC, Chennai
Shri Manivannan B.
ED ( IT / BPR ) , CO , Mumbai
Smt. Sangwan Usha
ED ( Direct Mktg ) , CO , Mumbai
Shri Mainak S. B.
Faculty Member, National Insurance Academy, Pune
Shri Singh A. P.
Chief Executive (LIC HFL Care Home Ltd.), CO, Mumbai
Shri Kandwal Rajesh
ED ( MBAC ), CO , Mumbai

Smt. Mathew T. T.
ED (New Project / CPIO), CO, Mumbai

Shri Rathi S. C.
ED (F & A), CO, Mumbai

Shri Singh D. D.
Z.M (I / C), ZO, Hyderabad

Shri Tarafdar D.
ED (CRM), CO, Mumbai

96

53 rd Annual Report

Shri Bhargava H.
Director & Chief Executive, LIC Cards Services Ltd., CO, Delhi

Shri Mishra N.
RM ( CRM ), ZO, Patna

Shri Sathe N. B.
ED (CLIA Scheme), CO, Mumbai

Shri Kumar M. R.
RM (Marketing), ZO , Chennai

Shri Venugopal B.
ED (IT - Software Development), CO, Mumbai

Shri Anand Vipin

RM ( P&IR ) , ZO , Kanpur

Shri Sah V.
Principal, ZTC, Kolkata
Shri Srivastava S.
Secretary-General , Insurance Institute of India, Mumbai
Shri Ticku Dilip
Principal ( ZTC ) , Bhopal
Shri Ramamoorthy P.
Principal, ZTC, Akurdi
Shri Kukreja V. K.
ED ( Invt. RM&R ) , CO , Mumbai
Shri Mishra H. C.
Chief Executive, (FGN), SICCI, Riyadh
Shri Rath P. K.
Director ( I I I ),CO,Mumbai
Kum. Dikhale S. S.
ED (Micro Insurance), CO, Mumbai
Smt. Sharma Sunita
ED ( P&GS ) , CO , Mumbai
Shri Bhattacharya S. N.
RM (Marketing), Metro, ZO, Mumbai
Shri. Singh V. J.
RM (E & OS) ZO, Chennai
Shri Bhattacharjee S. R.
RM (E & OS), ZO, Hyderabad
Shri Taunk M. K.
FM, NIA
Smt. Bhattacharya R.
Secretary General (GBIC), Mumbai

Shri Chetty N.
Vice Principal ( ZTC ) , ZO , Kolkata
Shri Annadurai P.
RM ( P&IR ) , ZO , Chennai
Shri Karmakar P. K.
RM (Marketing), ZO, Kanpur
Shri Balakrishnan M. R.
RM (CRM), ZO, Hyderabad
Shri Agarwal Niraj
RM ( P&IR ) , ZO , Delhi
Shri Datta R. C.
RM (Marketing), ZO, Hyderabad
Shri Das D.
RM (P & IR), ZO, Patna
Shri Chawla N. P.
RM (OS), ZO, Delhi
Shri Sathya Kumar V.
RM (Marketing), ZO, Mumbai
Shri Sudarsan R.
RM (OS), ZO, Kolkata
Shri Susheel Kumar T. C.
RM (Marketing), Bangalore Metro, SCZ
Shri Gupta Mukesh Kumar
Chief (Marketing), CO, Mumbai
Shri Raj Kumar
Chief (Personnel), CO, Mumbai

Shri Kabui T. T.
RM (Est.), ZO, Mumbai

Shri Shashikumar H. S.
RM (E & OS), ZO, Patna

Shri Shinde R. G.
RM (OS), ZO, Mumbai

Shri Kutumbe P. H.
Chief (Invt - Oprns), CO, Mumbai

Kum. Bodra Poonam

Chief (Inspection), CO, Mumbai

Shri Bandopadhyay S.
Chief (Investment), CO, Mumbai

Shri Ganesh K.
Chief ( Health-Insurance ) , CO , Hyderabad

Shri Ravichandran R.
RM (P & IR), ZO, Kolkata

97

53 rd Annual Report

Shri Thamodharan R.
MD & CEO,LIC INTL Bahrain

Shri Rakesh Kumar

RM (Est), ZO, Delhi

Shri Chandrasekaran V.
General Manager (LIC HFL), Mumbai

Shri Pani G. C.
RM (E & OS), ZO, Bhopal

Shri Rao T. V.
RM (CRM), ZO, Mumbai

Shri Sharma J. M.
Chief (FPT & PD), CO, Mumbai

Shri Prasad Ravishankar

RM (P & IR), ZO, Mumbai

Shri Sinha S. K.
RM (Marketing), ZO, Patna

Shri Kunnel Prem

Consultant and Special Officer (Life), IRDA, Hyderabad
(On Deputation)

Shri Vijayaraghavan V.
RM (CRM), CO, Kolkata

Kum. Kiran Sahdev

RM (P & IR), ZO, Bhopal

Shri Sanjeev Kumar

RM (Marketing), ZO, Bhopal

Shri Chaudhary Ravi

General Manager (LICMF AMC Ltd.) Mumbai

Shri Singhal K. K.
Chief (Invt. - M & A) CO, Mumbai

Shri Das S. K.
General Manager (LICMF AMC Ltd.)Mumbai

Shri Prabhat S.
RM (Marketing), ZO, Delhi

Shri Nallakuttalam S.
Vice Principal ( ZTC ) , Chennai
Shri Satyanandam P.
Chief (P & GS - SBU), CO, Mumbai
Smt Kurup H. L.
RM ( P & IR ), ZO , Hyderabad
Shri Venugopal P.
Chief (Investment), CO, Mumbai
Shri Nagnyal K. S.
RM (Mktg.), ZO, Kolkata
Shri Vikas Rao C.
RM (E & OS), ZO, Bhopal

Shri Yadav Amit

ED (Engg), CO, Mumbai
Shri Bhatia A. C.
CE, ZO, Delhi
Smt. Mandlekar Tripti D.
Chief Arch., CO, Mumbai
Shri Thangavel S.
Chief (E & OS), CO, Mumbai
Shri Banerjee D. K.
CE, ZO, Kolkata

Shri Sitharthan T.
Chief ( Legal ) , Addl.Charge of Board Sectt /Compliance /
GJF, CO, Mumbai

Shri Venugopal T. R.
CE, ZO, Chennai

Shri Ramanarao S. V.
RM, (Est), ZO, Kolkatta

Shri Chakraborti Amitava

CE, ZO, Mumbai

Shri Biswas V. C.
RM (CRM), ZO, Delhi

Shri Nadgaundi N. R.
CE, ZO, Bhopal

Kum. Padmaja Bhaskaran

Vice Principal (ZTC), Bhopal

Shri Saxena V. K.
CE, ZO, Kanpur

Shri Sood R. K.
RM (CRM), ZO, Kanpur

Shri Hariharan C.
CE, (Engg.) ZO, Hyderabad

Shri Pal Mohinder

RM (E & OS), ZO, Kanpur

Shri Dharma Kumar E.

CE, (Engg.) ZO, Patna
Appointed Actuary
Shri T. Bhargava

98

53 rd Annual Report

MEMBERS OF ZONAL ADVISORY BOARD (AS ON 31.03.2010)

CENTRAL ZONE

NORTHERN ZONE

Shri T.S.Vijayan, Chairman

Ms. Chitra Sharma
Dr. Manoj Kumar Minj
Dr. Prakash Agrawal
Shri Sandeep Jain
Shri Madan Lal Jain
Shri Ravi Kumar Agrawal
Shri Mangi Lal Daga
Shri Pankaj Kumar Nigam
Shri G.B. Pande, Zonal Manager, (Ex Officio Member)

Shri T.S. Vijayan, Chairman

Shri Amit Chopra
Shri Sandeep Saxena
Dr. Mahesh Kumar Mehta
Prof. Vijay Asdhir
Shri Jigmit Namgyal
Shri Rajeev Sood
Shri Gulab Singh Rathee
Dr. Sonia Malik
Shri V.K. Sinha, Zonal Manager, (Ex Officio Member).

EASTERN ZONE

SOUTH CENTRAL ZONE

Shri T.S. Vijayan, Chairman

Shri T.K. Gooptu
Shri N.K. Ghosh
Smt. Sharmishtha Mitra
Dr. Ananda Gopal Ghosh
Shri Somnath Guin
Dr. Hitesh Chandra Das
Shri Jyotilal Choudhary
Shri M.K. Bardoloi
Shri Ramani Mohan Das
Shri Vivekananda Tripathi
Shri R.R. Dash, Zonal Manager, (Ex Officio Member).

Shri T.S. Vijayan, Chairman

Shri C. Ramanachary
Dr. Kaki Sambasiva Rao
Shri Bellam Kotaiah
Shri Hamza K. Mehdi
Lieutenant JVVS Murthy
Dr. R. Poornima
Shri Swadi Uday Laxman
Shri Narendra L. Nayak
Shri N. Diwakar Rao
Shri D.D. Singh, Zonal Manager, (Ex Officio Member).

EAST CENTRAL ZONE

Shri T.S. Vijayan, Chairman

Dr. K. Meena
Dr. Jayaraman
Shri Jaipal Senthilkumar
Shri K. Ganesh Babu
Fr. S. Antonisamy
Shri E.M. Najeeb
Shri D.B. Binu Beena Sadanam
Shri K.R. Subramanian
Shri V.K. Sharma, Zonal Manager, (Ex Officio Member).

Shri T.S. Vijayan, Chairman

Shri Indrajit Singh
Dr. Renu Ranjan
Shri Patrick Minz
Shri S.K. Agrawal
Dr. D.V. Ramana
Shri Binod Kumar Pansari
Shri Deepak Kapoor
Dr. Pramod Pathak

Shri Basavaraju, Zonal Manager, (Ex Officio Member).

NORTH CENTRAL ZONE

Shri T.S. Vijayan, Chairman
Dr. Krishan Mohan
Dr. Gopal Prasad
Dr. Ashok Kumar Singh
Shri Sanjay Gupta\
Prof. Javed Akhtar
Shri Ravi Agarwal
Dr. V.K. Sharma
Dr.(Mrs) Philomina Richards
Shri S.K. Roy, Zonal Manager, (Ex Officio Member).

SOUTHERN ZONE

WESTERN ZONE
Shri T.S. Vijayan, Chairman
Shri Vivek S. Deshpande

Shri Unmesh K Mehta

Shri Paresh U. Gaitonde
Dr. Satish C. Wagh
Shri Harshad Laxmichand Shah
Shri Vinayak M. Govilkar
Shri Sham S. Wagh
Dr. Kavitaben Sood
Shri Vasant G. Phadtare
Dr. Mayank Bhatt
Shri S. Roy Chowdhury, Zonal Manager, (Ex Officio Member).

99

53 rd Annual Report

MEMBERS OF THE POLICYHOLDERS COUNCIL FOR THE PERIOD 1/4/2009 TO 31//3/2011

CENTRAL ZONE

INDORE DIVISION

BHOPAL DIVISION

Shri B.M. Joshi, SDM.

Shri S.R. Joshi ,SDM

Smt. Kalpana Zokarkar

Smt Basanti Nath

Shri Padam K. Phadiya

Shri Asit Kumar Bagh

Shri Uttam Pradhan

Dr. Vijay Kumar Nichlani

Shri Sanjay Sodani

Shri Rajendra Babbar

Shri Girish K. Sharda

Shri J.L.S. Verma

BILASPUR DIVISION

RAIPUR DIVISION

Shri V.K. Rajmane, SDM

Shri Deepak Kumar, SDM

Shri R.A. Agarwal

Shri Ketan Doshi

Shri Sunil Sonthaliya

Dr. (Smt) Sangeeta Neral

Shri Rajesh Agarwal

Shri Manish Shah

Smt Ranju Jobanputra

Dr. Shriram Dhuppad

Shri Dinesh Tandon

Shri Asim Mujumdar

GWALIOR DIVISION
Shri Nikesh Coomar, SDM
Smt. Rekha Batham
Shri R.P.Agarwal
Dr. Suhas Dhonde
Shri Kailash C. Laharia
Shri A.P.Gupta

NORTH CENTRAL ZONE

ALIGARH DIVISION
Shri R.K. Varma, SDM
Dr. S Chandra
Shri Rajeev Kumar Das
Shri Anurag Saxena
Dr. Brijesh Kumar
Ms. Poonam Bajaj

JABALPUR DIVISION
Shri K.K. Achplani, SDM
Smt. Geeta Sharad Tiwari
Shri Sanjay Agarwal
Dr. Anil Dhagat
Shri Shekhar Urkude
Dr. Ritu Pandey

ALLAHABAD DIVISION
Shri K. K. Jha, SDM
Dr. Rakesh Chandra
Shri Jagdish Chandra
Smt R. L. Tripathi
Shri I. M. Dwivedi
Dr. Anjaney Gupta

SATNA DIVISION
Shri Jaspal Singh, SDM
Dr. Mrs. Nandita Pathak
Shri Pradeep Nayak
Smt Booti Bai Saket
Shri Ajay Singh
Shri Prakash Agrawal
SHAHDOL DIVISION
Shri Ashok Kumar Tewari,SDM
Smt. Laxmi Chaudhary
Shri Santosh Shukla
Shri Rajeshwar Udaniya
Shri Pradeep Kumar Gupta
Shri Aanandi Prasad Dwivedi

100

BAREILLY DIVISION
Shri H. D. Sharma ,SDM
Smt. Kumud Khandelwal
Shri Sanjay Agarwal
Shri Partho Kumar
Dr. R.D.Gautam
Shri Rajeev Gupta
DEHRADUN DIVISION
Shri Anil Khanna, SDM
Shri Jawahar Singh Chauhan
Shri Yadav Raj Gupta
Shri Mahipal Singh
Dr. Vasudha
Shri Rajeev Sharma

GORAKHPUR DIVISION
Shri R. C. Shukla, SDM
Dr. Om Prakash Rai
Dr. C. B. Ankur
Dr. S. D. Verma
Dr. (Smt.) Asha Bhagat
Shri Vinod Kumar Bharti
AGRA DIVISION
Shri Raghuveer Singh
Dr. V.S. Shinghania
Shri K.S. Pawar
Dr. (Smt.) Lovely Sharma
Dr. Keshav Singh
Dr. (Smt.) Neelam Bhadauriya
HALDWANI DIVISION
Shri V. Jha, SDM
Dr. Mahima Srivastava
Shri Harish Chandra Arya
Dr. Pramod Agarwal
Shri Surendra Kr. Bhutiyani
Shri Abhishek Agarwal
KANPUR DIVISION
Shri H.S.B. Sinha, SDM
Shri Vinod Gupta
Smt. Kalpana Jha
Shri M .J. Sarin
Dr. Lokendra Singh
Shri Shiva Kumar

FAIZABAD DIVISION
Shri P.C. Gupta, SDM
Shri Ajinder Singh
Dr. Omkar Gangwar
Smt. Shikha Chaturvedi
Shri Manoj Kumar Srivastava
Shri Ram Nath Bharthi

EASTERN ZONE
ASANSOL DIVISION
Shri C.R. Mondal, SDM
Dr. Partha Pratim
Bandopadhyay
Shri Debapriya Ganguly
Shri Tapan Banerjee
Smt Jayanta Malik
Shri Kinkar Pada Maji
BONGAIGAON DIVISION
Shri. Ratikanta Singh, SDM
Shri Rabindra Nath Das
Shri Prabir Sarma
Ms. Sukriti Brahma Choudhury
Shri Prabhat Bhaishnab
Shri R. B. Roy Sarma
GUWAHATI DIVISION
Shri R. Rajanikanth, SDM
Shri Babul Choudhury
Dr. Don Ayengia
Shri Abdul Mannan
Shri Kuladip Das
Smt Alpana Deka

LUCKNOW DIVISION
Shri Kamal Kumar, SDM
Shri Nem Singh Gautam
Ms. Neera Acharya
Dr. Baby Rani Srivastava
Shri Gireendra Nath Pandey
Shri Shyam Manohar Dixit

HOWRAH DIVISION
Shri B. Das, SDM
Ms. Sipra Thakur
Shri Akram Ali Mondal
Dr. Monotosh Khanra
Ms. Barshana Muzumder
Shri AnupKumar Saha

MEERUT DIVISION
Shri B. Behara, SDM
Dr. Devesh C. Sharma
Ms. Jyotsna Madan
Dr. Kamal Singh
Dr. Kapil Seth
Dr. J. Jamal Zaidi

KHARAGPUR DIVISION
Shri T.K. Ojha, SDM
Shri Bani K Bhattacharjee
Shri Manohar Hossain Mondal
Ms. Krishna Mukherjee
Shri Baidya Nath Tudu
Shri Swapan Bhattacharjee

VARANASI DIVISION
Shri B.L. Aggarwal, SDM
Shri Anurag Singh
Shri B. P. Chowdhari
Shri Ram Kumar Sharma
Shri Mohd. Parvej Khan
Smt Pratibha Singh

SILCHAR DIVISION
Shri R.C. Khora, SDM
Shri Pranajit Singh Roy
Shri Nipendra C. Malakar
Shri Basudeo Choudhury
Smt. Sumita Bhattacharjee
Shri Dilip Kumar De

53 rd Annual Report

JALPAIGURI DIVISION
Shri A. Dasgupta, DM (I/C)
Shri Mihir Banerjee
Shri Dipendra Nath Sanyal
Shri Debasish Saha
Shri Raj Kumar Behani
Smt Rinzing Eden

CUTTACK DIVISION
Shri B.K.Tripathy, SDM
Shri Nrusingha Kr.Nanda
Shri Deba Prasad Jena
Smt. Sarojini Hemberam
Shri Mangal Ch. Majhi
Shri Brahmanda Das

JORHAT DIVISION
Shri Udaykumar Navani, SDM
Dr. Prabhat Das
Dr.Smt. Manju Dutta Das
Dr. Goutam Kakaty
Shri Gajendra Kumar Jain
Shri Chandra Nath Baruah

HAZARIBAGH DIVISION
Shri A. Rastogi, SDM
Shri A.N.Rautray
Dr.Hemlata S. Mohan
Shri Dheeraj Kr.Joshi
Shri Sita Ram Roy
Dr.Azariah Hans

KOLKATA METRO DIVISION I

Shri P.R. Mishra, SDM
Smt. Sangeeta Ghosh
Shri Sanjoy Goenka
Shri Lakshmi Kanta Das
Shri S.N.Kasre
Dr.Pankaj Kr.Mondal

PATNA DIVISION
Shri Mahendra Kapoor, SDM
Shri Bharat Kasyup
Shri Pramod Kumar Sharma
Dr. Ashok Kumar
Ms.Anuradha Banerjee
Dr. Khagendra Kumar

KOLKATA METRO DIVISION II

Shri J.Sen, SDM
Smt. Bulbul Roy
Shri Bidhan Hazra
Shri Anischoy Chakraborty
Shri Sudipta Dutta
Shri Ashim K. Ghosh

SAMBALPUR DIVISION
Shri N.C.Dhal, SDM
Dr. Aparajita Panda
Shri Narayan Naik
Shri Sarat Ch. Chowdhary
Shri Rajat Kujur
Shri Surendra Ku. Mohanty

KOLKATA SUBURBAN DIVISION

Shri S.C. Singh, SDM
Dr. Mangalendunarayan Roy
Shri Ramranjan Mondal
Shri Sreekrishna Ghosh
Dr. A. Bhattacharjee
Smt. Debi Ghosh

MUZAFFARPUR DIVISION
Shri Vinod Trivedi, SDM
Shri Akshay Kumar Agarwal
Shri Radhe Shyam Sharma
Dr.Uday Shankar Pandey
Shri Arun Kumar Mishra
Ms.Poonam Devi

EAST CENTRAL ZONE

BERHAMPUR DIVISION
Shri C.H.Jakkappanavar, SDM
Shri Banamali Sethi
Smt. Amiyabala Patnaik
Shri Santosh Kr.Mohanty
Dr.Urmila Das
Dr.Durga Prasad Rath
BHAGALPUR DIVISION
Shri A.K. Thakur, SDM
Shri Rajiv Kant Mishra
Shri Chandreshwar Ram
Smt. Sandhya Dutta
Shri Sita Ram Poddar
Prof.A.Talib

NORTHERN ZONE
AJMER DIVISION
Shri B.P.Singh, SDM
Smt. Vineeta Chouhan
Dr. G.S. Bundela
Shri H.M. Singh
Shri R.N. Agarwal
Shri Surendra Nagar
AMRITSAR DIVISION
Shri Narendra Kumar, SDM
Shri Gopi Chand Luthra
Smt. Nirmal Kaur
Shri Raj Kamal Gupta
Shri S. K. Bhalla
Shri R. K. Gupta
BIKANER DIVISION
Shri P.Raghava Rao, SDM
Shri Ram Mohata
Smt. Pallavi Sharma
Shri Babu Lal Dhawal
Shri Kishore Rajpurohit
Shri Ram Pratap Legha
CHANDIGARH DIVISION
Shri R.P.Singh, SDM
Shri Ajay Jain
Shri J.J.Mehra
Shri Sandeep Sahni
Dr.Renuka Nayyar
Dr.Prem Nath

JAMSHEDPUR DIVISION
Shri P.Kumaresan, SDM
Dr.Nagendra Kumar
Dr.Anupam Roy
Shri Bernard Minj
Shri Mahendra Kumar Jain
Ms.Dolly Banerjee

JAIPUR DIVISION I
Shri A. Grover, SDM
Shri Ashwani Mundra
Shri Manohar Bartiya
Shri Rakesh Khandelwal
Shri Ganesh Agarwal
Smt. Dixita Papriwal
JAIPUR DIVISION II
Shri A.K. Anand, SDM
Shri Sunil Dutt Vyas
Shri Ganesh Meena
Smt. Vani Tiwari
Shri Bhagwan Sahay
Shri Rajnish Chaudhary

BHUBANESHWAR
Shri Rabinarayan Mishra, SDM
Shri Bijay Kumar Das
Smt. Bijaylaxmi Mohanty
Shri Amalin Patnaik
Shri Kashinath Das
Shri Benudhar Das

JALANDHAR DIVISION
Shri Girish Kumar SDM
Shri Vishwa Mitter Arora
Shri Rajesh Gupta
Ms.Ruchi Anand
Shri D.R.Paul
Dr.Anil Kalia

SHIMLA DIVISION
Shri L. C. Meena, SDM
Smt. Shubh Mahajan
Shri Ajit Butail
Shri Surinder Singh
Dr.Ravi Kant
Smt Kuldeep Kaur
SRINAGAR DIVISION
Shri Sham Singh, SDM
Shri C.M. Seth
Dr. P.L. Kaul
Dr. S.T. Angchok
Shri Raj Kr. Kalsotra
Smt. Santosh Kumari
JODHPUR DIVISION
Shri K.R. Meena, SDM
Shri Jagdish Mundra
Shri Shiv Prakash
Smt. Pushpa Panwar
Shri Rajendra Parihar
Shri Ravi Mohan Bhutra
KARNAL DIVISION
Shri S.J.Baraiya, SDM
Smt. Sunita Bajaj
Shri Dayal Singh
Shri Subhash Chand
Shri Sanjay Gupta
Shri Naresh Saluja
LUDHIANA DIVISION
Shri S.K. Aggarwal, SDM
Dr. Paramjit Singh
Prof. Rohit Kumar
Shri.Daljeet Singh
Smt. Suman Sharma
Shri Hari Narain
NEW DELHI DIVISION I
Shri T.S.Ramakrishnan, SDM
Shri J.K. Sharma
Shri Venkatesh Nayak
Ms. Rachna Bhattacharya
Shri Satya Prakash Meena
Shri Anil Garg
NEW DELHI DIVISION II
Shri A. K. Sharma, SDM
Shri (Prof.) Sanjay Dhamija
Shri Satish Mittal
Ms. Deepika Kali Raman
Shri Ram Kumar Santoshi
Shri Sanjay Garg

101

53 rd Annual Report

NEW DELHI DIVISION III

Shri Dinesh K Pangtey, SDM
Shri Jaideep Aggarwal
Shri Sunil Kr. Verma
Dr. Anita Tanwar
Shri Sarabjeet Singh
Shri Alok Narang

GANDHINAGAR DIVISION
Shri M. Kannan, SDM
Dr. Jitendra V. Sutaria
Shri Shailesh O. Gandhi
Ms. Poornima D. Mehta
Shri Prabhuram Shivram Patel
Shri Vasant S. Patel

NASHIK DIVISION
Shri M.P.Jain, SDM
Shri. Shridhar V.Vyavhare
Smt. Jayashri M.Gavit
Shri Jayeshbhai Doshi
Shri Anil D. Gosavi
Smt. Hemlatha Rajan

VADODARA DIVISION
Shri S.B. Joshi, SDM
Shri Asif I. Sheikh
Smt. Taruna N. Suryavanshi
Shri Krushang Rewar
Shri Vijay C. Parikh
Shri Nehal K. Sutaria

UDAIPUR DIVISION
Shri Yogendra Singh, SDM
Shri Liyaqat Hussain Quereshi
Dr.K.L. Dangi
Ms. Nalini Pancholi
Shri Ajay Bapna
Shri Harkesh Meena

KOLHAPUR DIVISION
Shri S.C. Acharya, SDM
Dr. Harish.M. Bhalerao
Dr. (Smt.) Shilpa.A. Zantye
Shri Shrikrishna S. Kulkarni
Shri Sanjay Jivandhar Hukkeri

PUNE DIVISION- I
Shri P Samal, SDM
Shri Suryakant S. Pathak
Shri Naresh M. Pote
Dr.(Smt.) Manik M. Bichkar
Shri Kautubh Damle
Shri Kiran R. Paralikar

SSS DIVISION, MUMBAI

Shri A.A. Kamat, SDM
Shri S.D. Bharaswadkar
Shri Subhash M. Kale
Shri Dilip R. Desai
Shri Ramchandra S. Shirke
Ms. Pushpa Dhaktode

MUMBAI DIVISION I
Shri Tapan Arandhara, SDM
Shri Arun I. Keshwani
Shri Atul Khadilkar
Shri Mahendran Kanurgo
Shri Gaonkar Ramdas Yeshwant
Smt. Suman D. Aher

PUNE DIVISION- II
Shri D.M. Apte, SDM
Shri Rahul Solapurkar
Dr.Mukund B. Bhor
Dr.Suhasini Shah
Shri Avinash K. Gaikwad
Shri Chandrakant J. Naik

NAGPUR DIVISION
Shri P. Dasgupta, SDM
Ms. Anju Agrawal
Shri Yogesh Maganlal Chawda
Shri Afzal S. Mehdi
Shri Rakesh Niranjan Patil
Shri Raju Shamrao Khole

MUMBAI DIVISION II
Shri V.D. Sudame SDM
Shri Nandkishore H. Nemade
Smt. Rekha U. Randive
Shri Vijay V. Rajwade
Shri Suresh L. Gosavi
Prof.(Smt.) Mangal Gogte

SATARA DIVISION
Shri R.P. Gupta, SDM
Dr. Rajashree D.Deshpande
Ms.Sunita Sangramsinha
Dr. P.S. Chavan
Shri Zakirhusen M. Jamadar
Shri Sudhir B. Govekar

AMRAVATI DIVISION
Shri D.B.Dumbre, SDM
Dr.U.V. Navlekar
Shri D.K. Khandelwal
Shri R.K. Alone
Smt. Rasmiji Nawndar
Dr.N.G. Mehare
AURANGABAD DIVISION
Shri V.K. Jain, SDM
Dr. (Smt.) A.B. Karad
Dr. K.L. Kamble
Mr. D.B. Chandak
Mr. Hemant Khivansara
Mr. N.J. Bhogle

MUMBAI DIVISION III

Shri P. Dwivedi, SDM
Ms. Vaishali V. Kulkarni
Shri Milind H.Gangurde
Shri Milind V. Gandbhir
Ms. Poonam S. Sinha
Shri Nikhil B.Kulkarni
MUMBAI DIVISION IV
Shri M.C. Chaturvedi, SDM
Dr. Purnima Sharma
Prof. B.G. Jogdande
Mrs. Rekha Jacob Koshy
Mr. Sandeep Dave
Dr. Satish Chintaman Wagh

NANDED DIVISION
Shri N.S. Shirahatti, SDM
Smt. Parvati K. Narayankar

BHAVNAGAR DIVISION
Smt. C. D. Jadhav, SDM
Mr. Kishorbhai Rasiklal Shah
Ms. Jayshreeben G. Vadodariya
Mr. Jaysukhbhai P. Makani
Mr. Girish P. Babaria
Adv. Smita Jayantikumar Maniyar

GOA DIVISION
Shri A.K. Madhankar, SDM
Smt. Shubalaxmi Naik
Smt. Archana Tendulkar
Mr. Ramdas G. Satardekar
Mr. Luis Anand Colaco
Shri Sanjay L. Singbal

ROHTAK DIVISION
Shri R.L. Sharma, SDM
Shri Pawan Bansal
Dr. (Mrs) Bimla Rathee
Shri Rajesh Kumar
Shri Purushotam Dass Mittal
Shri Jagdish Kumar

WESTERN ZONE
AHMEDABAD DIVISION
Shri M.K. Kemmu, SDM
Shri H.P. Shrimali
Shri Paresh V. Shah
Shri V.M. Oza
Smt. Nayanben Kapadia
Shri Kunal B. Shah

102

Shri Madhav Ramchandra Kadam

Shri Indrajeet Narayan Rao

Bhalerao

Dr. Shyam B. Telang

Shri Sanjeev V. Bhosikar

RAJKOT DIVISION
Shri S.A.Pradhan, SDM
Smt. Ashmita A. Desai
Shri B.J. Vinzud
Dr B.H. Lunagaria
Shri Parag Arvindbhai Barchha
Shri Atulkumar Kakkad
NADIAD DIVISION
Shri B.A. Rao, SDM
Shri Minesh C. Parmar
Ms. Nimisha Bhupendrakumar Panchal

Shri Vipulbhai L. Patel

Shri Jayesh Maganlal Patel
Shri Bhupendra M. Makwana

Shri Baswaraj Hanmant Appa Nirne

SOUTH CENTRAL ZONE

SURAT DIVISION
Shri P. Kumar, SDM
Ms.Yasmin J. Dotiwala
Shri Prabhat K. Prajapati
Ms. Minaxi S. Vasava
Shri Shashikant S. Shah
Ms. Jagruti I. Yadav

BANGALORE DIVISION-I
Shri Sat Pal, SDM
Shri H.R. Sudarshan
Ms.Sudha Baragur
Shri M.S. Dhanajaya
Shri A.A. Sholapur
Ms. Saraswathi Subramanyam

THANE DIVISION
Shri S.K. Thakur, SDM
Dr. Sadhana Phadnis
Dr. Kishore Deshmukh
Shri V.J. Padhye
Smt. M.S. Korde
Dr. S.N. Kharatmal

BANGLORE DIVISION II
Shri S. Chakraborty, SDM
Ms. S. Hemalatha
Ms. Shobha Sundaresan
Shri Govindaiah Srinivas
Shri K.R. Mahesh Kumar
Dr. B.R. Nagaraj

53 rd Annual Report

BELGAUM DIVISION.
Shri V.G. Nadgir, SDM
Shri S.G. Hegde
Shri B.A. Pujar
Dr. (Smt) Purnima M.
Charantimath
Shri C.Y. Metri
Shri M.G. Mathapathi
KARIMNAGAR DIVISION
Shri C.Narasavadhani, SDM
Shri P.Eshwaraiah
Dr.Y.V.S.Prabhakar
Shri P.Srinivas
Shri G. Ramulu
Ms.T.Vijaya Laxmi
MACHILIPATNAM DIVISION
Shri P. Mallikarjuna Rao, SDM
Shri Chittineni S.Chandra Rao
Dr.Boggarapu Subba Rao
Shri Kumpati Rajaguru
Smt. Shakeera Begum
Shri Kannapla Joseph
MYSORE DIVISION
Shri Sridharan, SDM
Shri Rajasekhar Koti
Shri C. Hara Kumar
Ms. M.A. Hemalatha
Dr. B.G. Ashok
Shri N. Subramanya
CUDDAPAH DIVISION
Shri M. Veerabhadra Rao, SDM
Shri Sreenivasulu
Shri K. Chiranjeevi Reddy
Smt.B. Subhadra
Smt.B. Rajasekhar
Shri V. Brahma Reddy

SECUNDERABAD DIVISION
Shri.L.K.Shamsunder, SDM
Shri Ganta Sadanandam
Shri P.Nageswara Rao
Shri Paidimarri Suresh
Shri B.Gowrisankar Rao
Smt. Suneetha Prasad
UDUPI DIVISION
Smt. Uma Rao, SDM
Shri P.G.Nayak
Smt. Susheela R. Rai
Shri G.S.Nagaraj
Shri K.Somanath Nayak
Shri Nithin J. Shetty
SHIMOGA DIVISION
Shri M.C.Humberi, SDM
Shri N.Diwakar Rao
Shri B.B.Ravindranath
Shri C.V.Vijaya Vasantha
Capt. A. Anjanappa
Smt. Bharathi Veeresh
NELLORE DIVISION
Shri M. Vijaya Kumar, SDM
Dr. S. Andal Bhaskar
Shri K.S. Vasu
Dr. M. Raghuramaiah
Dr. K. Sivasankara Reddy
Shri Devishetty Subramaniam
RAICHUR DIVISION
Shri D. Rajaraman, SDM
Shri T. Kinniraiah
Shri V.C. Mathapati
Dr. Susheela S. Holkunde
Shri Thimmangouda
Shri Umesh R. Mullmani
RAJAHMUNDRY DIVISION
Shri P.S.R. Koteswar Rao, SDM
Smt. A.S.Sarojini
Shri D.Abraham Lincon
Dr. Mohammad Azmatulla Baig
Dr. D.V.Ramamurthy
Shri G.Venkateswara Rao

SOUTHERN ZONE
ERNAKULAM DIVISION
Shri S. Chandrashekhar, SDM
Dr. Ramesh Kumar K.
Shri Philip George
Fr. Jaison Vadassery
Shri P.K. Ibrahim
Smt. Sowmiavathy T.C.
TIRUNELVELI DIVISION
Shri T.S.Subramanian SDM
R. Prabakaran
Dr. V. Ajith
Sri. M.A. Kanagaraj
Mrs. Benny Dolton
Mr. S. Jafar Ali
CHENNAI DIVISION I
Shri K.Kadiresan, SDM
Dr.T. Sivanesan
Dr. R. Rangaswamy
Shri R. Anandakumar
Ms. Shoba Iyer
Shri C. Sivaprabhu
CHENNAI DIVISION II
Shri.S.V. Sharma, SDM
Shri R. M. Ananth
Dr.Muralidaram
Ms. Geetha Umesh
Shri V. Selvakumar
Shri R. Palamalai

MADURAI DIVISION
Shri J. Chakrapani, SDM.
Ms.R. Nalini
Shri N.Manimazhian
Dr.K. Senthilkumar
Shri K. Alagu Sudaram
Shri N. Govindhan
SALEM DIVISION
Shri C. Kandaswamy, SDM
Shri S. Manickam
Shri M. Kumaravel
Ms. G. Pravina
Dr.N.Shanmuga Sundaram
Dr. N. Lalitha
THANJAVUR DIVISION
Shri Rajan P. Esakki, SDM
Shri K.M.Mohamed Iqbaldeen
Smt. Punitha Ganesan
Shri M. Abdul Malik
Shri T.V. Ramasamy
Dr.Gopalakrishnan
THIRUVANANTHAPURAM D.O.
Shri K. Swaminathan, SDM
Shri Alex Kuriakose
Shri T. V. Joseph
Ms. A.K. Cicily Kutty
Shri P.K. Shivaraman
Shri V. Sasi

VELLORE DIVISION
Shri K.S. Sundararajan, SDM
COIMBATORE DIVISION
Ms. Maliga Chandran
Shri K.G. Somasunddaram, SDM Dr.S.Narayanan
Shri S.K. Ponnusamy
Shri Era Chandrasekaran
Dr. Amirdhamabai
Prof. I. Elangovan
Shri D.Martin Dhanraj
Ms.R. Parvathy
Dr. P. Kanagasabapathy
Shri N. Selvaraj

DHARWAD DIVISION
Shri K. Ganesan, SDM
Shri Mahendra H. Singhi
Dr.Bandappa P.Waghmare
Dr.Veena Madhav Tonapi
Shri Ganesh G. Hegde
Kadakodi
Shri Udayaravi C. Yeligar

VISAKHAPATNAM DIVISION
Shri D. Nageswara Rao, SDM
Dr. Aradhana Giri
Shri B. Ganga Rao
Dr. C. Venkat Rao
Ms. D. Uma Rani
Shri P. Venkata Rao

KOZHIKODE DIVISION
Shri R. Sreenivasan, SDM
Shri A. Kunhambu
Dr.A.S. Girija
Prof.John C. Mathew
Shri C.M. Aravind Babu
Shri Prince Thekkan

HYDERADAD DIVISION
Shri T.R. Chowdhary, SDM
Shri C.Suresh
Smt. V.Rajani
Dr. K.Lingaiah
Shri T.Sekhar
Shri A.Jayaraj

WARANGAL DIVISION
Shri A.V. Nagendra Kumar, SDM
Ch. Lakshminarayana
Shri P.V. Narayana Rao
Ms. I. Varalakshmi
Dr. Ch. Sarat babu
Shri M. Thiruppathamma

KOTTAYAM DIVISION
Shri M.K.Balakrishnan, SDM
Dr.(Smt.) Sobhana Kurian
Shri Sathyaseelan Naduvattom
Shri Zachariah Kuriyan
Shri D. Anil Kumar
Shri Joseph Abraham

103

53 rd Annual Report

APPENDIX - II
Statutory (Central) Auditors of the Corporation for 2009-2010
NAME OF FIRM

104

ADDRESS

Shri Arvind Uberoi

Partner
M/s R.K.Deepak & Co.
Chartered Accountants

# 3283,Sector15-D
Chandigarh 160015

Shri Kunal Sharma

Partner
M/s J.N. Sharma & Co.
Chartered Accountants

58/4, Birhana Road,Post Box No. 389,

Kanpur-208001

Shri S.N. Sharma

Partner
M/s. S.L.Chhajed & Co.
Chartered Accountants

R-12, Maharana Pratap Nagar,

Bhopal-462011

Shri A.K.Pradhan
Partner
M/s. CVK & Associates
Chartered Accountants

2, Samarth Apartment, D.S.Babrekar Marg,

Gokhale Road (North),Dadar,
Mumbai-400028

Shri Sam Varghese

Partner
M/s K.Varghese & Co.
Chartered Accountants

Presidency Business Centre

XL 531, Above Caston Traders,
Banerji Road, High Court Junction,
Kochi-682031

Shri K.Sreenivasan
Partner
M/s Ramanatham & Rao
Chartered Accountants

302, 2nd Floor, Kala Mansion,

No.1-2-261, Sarojini DeviRoad,
Secunderabad-500003

Shri R.Sanganeria
Partner
M/s L.K.Kejriwal &Co.
Chartered Accountants

508,Ashiana Towers, Exhibition Road,

Patna-800001(Bihar)

Shri Chandan Chattopadhay

Partner
M/s S.Ghose & Co.
Chartered Accountants

11, Old Post Office Street, Kolkatta-700001

Shri Pankaj Adukia

Partner
M/s. Adukia & Associates
Chartered Accountants

3, Meridien Apartments No.1, Veera Desai Road,

Ground Floor, Andheri West, Mumbai-400058

Shri. Sharad Bhagwat

Partner
M/s Kirtane & Pandit
Chartered Accountants

H-16, Saraswat Colony. Sitaladevi Temple Road,

Mahim, Mumbai-400016

53 rd Annual Report

..
T. S. VIJAYAN

..
D.K. MEHROTRA

.
THOMAS MATHEW T.

YOGESH LOHIYA

30

MEMBERS OF THE CORPORATION

vDVwcj, 2010

30th October, 2010

eqacbZ
Mumbai

105

53 rd Annual Report

31 ceee&, 2010 kees meceeHle

Je<e& kes efueS efJeeere efJeJejCe
Financial Statements
For the year ended 31st March, 2010

107

53

Yeejleere peerJeve yeercee efveiece kees uesKee hejer#ekeeW keer efjhees&

nceves 31 ceee& 2010 kes Yeejleere peerJeve yeercee efveiece kes mebueive peerJeve yeercee JeJemeee leLee hetBpeer ceeseve (efveOee&efjle Jeeef<e&keer meefnle) yeercee
JeJemeee kes legueve he$eeW keer mebyebefOele ueeYe SJeb neefve uesKeeW keer leLee Gmeer leejerKe kees meceehle Je<e& kes peerJeve yeercee JeJemeee leLee hetBpeer ceeseve
(efveOee&efjle Jeeef<e&keer meefnle) yeercee JeJemeee kes jepemJe uesKeeW keer leLee eeefhle SJeb Yegieleeve uesKeeW keer (Fme kes yeeo Gmes efJeeere efJeJejCe kes
he ceW meboefYe&le efkeee peeSiee) uesKee hejer#ee keer nw, efpemeceW Meeefceue nw megJee (efHepeer), ceejerMeme SJeb uebove MeeKeeDeeW kee mebyebefOele mLeeveere
uesKee hejer#ekeeW eje efkeee uesKee efJeJejCe, 109 ceC[ue keeee&ueeeW, mesJee efveJe=efe SJeb mecetn eespevee keer 69 FkeeF&eeW leLee 2048 MeeKeeDeeW
ceW mes 688 MeeKeeDeeW kee efJeJejCe pees efveiece eje efveegkele #es$eere SJeb ceC[ue uesKee hejer#ekeeW eje uesKee hejeref#ele keer ieF& nw leLee 1360
MeeKeeDeeW kee peneB nceves oewje veneR efkeee Gvekee Devebkesef#ele efJeJejCe SJeb nce efvecve efjhees& osles nw:1)

en efJeeere efJeJejCe efveiece kes eyebOeve kes GejoeefelJe nQ ~ nceeje GejoeefelJe nceejer uesKee hejer#ee hej DeeOeeefjle Fve efJeeere efJeJejCeeW
hej Deheveer jee Jekele kejvee nw~
nceves meeceeveleee Yeejle ceW eeefuele uesKee hejer#ee ceevekeeW kes Devegmeej Deheveer uesKee hejer#ee keer nw ~ Fve ceevekeeW keeR Dehes#ee nw efke nce
uesKee hejer#ee keer Ssmeer eespevee yeveeSB leLee Ssmee efve<heeove kejW efke en megefveefMele efkeee pee mekes efke efJeeere efJeJejCe mener nw leLee
DeJekeLeve mes mJeleb$e nw ~ uesKee hejer#ee ceW efJeeere efJeJejCeeW ceW Jekele jeefMeeeW kees meceLe&ve kejves Jeeues mee#e kes hejer#eCe DeeOeej Meeefceue
nw ~ uesKee hejer#ee ceW eegkele uesKee efmeebleeW kee cetueebkeve leLee eyebOeve eje efkeS ieS efJeefMe Devegceeve leLee mecee efJeeere efJeJejCe
keer emlegefle Meeefceue nw ~ nceW efJeMJeeme nw efke nceejer uesKee hejer#ee nceejer jee kes efueS leke&mebiele DeeOeej GheueyOe kejeleer nw ~

2)

(ke) nceves Jes meYeer metevee SJeb mheerkejCe eehle efkeS nw pees nceejer meJeexece peevekeejer SJeb efJeMJeeme kes Devegmeej nceejer uesKee hejer#ee
kes efueS DeeJeMeke Lee ~ nceves GvnW meblees<epeveke heeee ~
(Ke) nceejer jee ceW efveiece eje mecegefele yeefneeB Devegjef#ele keer ieF& nw peneb leke Fve yeefneeW keer nceejer peeBe mes eleerle neslee nw ~
(ie) nceejer jee ceW MeeKeeDeeW SJeb ceC[ue keeee&ueeeW mes Debkesef#ele SJeb Devebkesef#ele oesveeW keer mecegefele efJ eJejefCeeeB eehle keer ieF& nw ~
Gvekeer meceer#ee keer ieF& nw leLee uesKee hejer#ee kes efueS GvnW heee&hle heeee ieee nw ~
(Ie) Fme efjhees& eje efoS ieS efveiece kes efJeeere efJeJejCe, uesKee yeefneeB SJeb efJeJejefCeeeW kes Deveghe nw ~
(*) oseleeDeeW kee yeerceebkeve cetueebkeve efveiece kes efveegkele yeerceebkeke kee GejoeefelJe nw ~ oseleeDeeW kee yeerceekebve cetueebkeve efveegkele
yeerceebkeke eje eceeefCele efkeee ieee nw~ leLee Gmekeer jee ceW Ssmes cetueebkeve kes efueS hetJee&vegceeve yeerc ee efJeefveeeceke efJekeeme
eeefOekejCe SJeb Yeejleere yeerceebkeve meYee eje peejer efoMee efveosMeeW SJeb ceeveoC[eW kes Devegmeej eeefOekejCe keer menceleer mes nw ~
nceves efveiece kes efJeeere efJeJejCeeW hej jee Jekele kejves kes efueS efveegkele yeerceebkeke kes eceeCehe$e hej efJeMJeeme efkeee nw ~

3)

nceejer jee ceW leLee nceejer meJeexece peevekeejer kes Devegmeej leLee nceW efoS ieS mheerkejCeeW kes Devegmeej SJeb uesKee hej efheefCCeeeW SJeb
efJeefMe uesKee veerefleeeW Devegso 2(F) kes meeLe heef"le:(ke) (i) Gkele legueve he$e 31 ceee& 2010 kees efveiece kes keejesyeej keer mener SJeb mJe lemJeerj osleer nw ~
(ii ) jepemJe uesKee 31 ceee& 2010 kees meceehle Je<e& kes efueS peerJeve JeJemeee kes DeefOeMes<e / hetBpeer ceeseve (efveOee&efjle Jeeef<e&keer
meefnle) yeercee JeJemeee kes Iees keer mener SJeb Gefele lemJeerj emlegle kejlee nw ~
( iii ) ueeYe SJeb neefve uesKee 31 ceee& 2010 kees meceehle Je<e& kes efueS peerJeve JeJemeee mecyeefvOele kes ueeYe/ (hetBpeer ceeseve efveOee&efjle
Jeeef<e&keer meefnle) yeercee JeJemeee mes mecyeefvOele neefve keer mener SJeb Gefele lemJeerj emlegle kejlee nw ~
( iv) eeefhle SJeb Yegieleeve uesKee 31 ceee& 2010 kees meceehle Je<e& kee eeefhle SJeb Yegieleeve kee mener SJeb meeHe lemJeerj oslee nw ~
(Ke) efJeeere efJeJejCe, yeercee DeefOeefveece 1938 (1938 kee 4) SJeb yeercee efJeefveeeceke SJeb efJekeeme eeefOekejCe DeefOeefveece 1999 (1999
kee 41) leLee kebheveer DeefOeefveece 1956 (1956 kee 1) keer Dehes#eeDeeW kes Devegmeej leLee eeespe meercee leke SJeb eLeehesef#ele {bie
mes leweej efkeS ieS nw ~

108

53 rd Annual Report

Auditors Report to the Life Insurance Corporation of India

We have audited the attached Balance Sheet of the Life Insurance Corporation of India as at 31 st
March, 2010, for the Life Insurance Business and the Capital Redemption (including Annuity Certain) Insurance
Business, the relative Profit and Loss Accounts and Revenue Accounts for the Life Insurance Business and
the Capital Redemption (including Annuity Certain) Insurance Business for the year ended on that date and
the Receipts and Payments Account for the year ended on that date (hereafter referred to as Financial
Statements) in which are incorporated returns of Suva (Fiji), Mauritius and London branches audited by
respective local auditors, of 109 Divisional Offices, 69 Units of Pension & Group Scheme and 688 branches
out of 2048 branches audited by Zonal and Divisional Auditors appointed by the Corporation and unaudited
returns in respect of 1360 Branches not visited by us and we report as under:1.

These financial statements are the responsibility of the Corporations Management. Our responsibility
is to express an opinion on these financial statements based on our audit.
We conducted our audit in accordance with the auditing standards generally accepted in India. Those
standards require that we plan and perform the audit to obtain reasonable assurance about whether
the financial statements are free of material misstatement. An audit includes examining, on a test
basis evidence supporting the amounts and disclosures in the financial statements. An audit also
includes assessing the accounting principles used and significant estimates made by the Management,
as well as evaluating the overall financial statement presentation. We believe that our audit provides a
reasonable basis for our opinion.

2.

a) We have obtained all the information and explanations which to the best of our knowledge and
belief were necessary for the purposes of our audit and have found them to be satisfactory.
b) In our opinion proper books of account have been maintained by the Corporation so far as it
appears from our examination of those books.
c)

In our opinion proper returns both audited and unaudited from branches and other offices have
been received and found adequate for the purpose of the audit.

d) The Financial Statements of the Corporation dealt with by this report are in agreement with the books
of account and returns.
e) The actuarial valuation of liabilities is the responsibility of the Corporations appointed actuary. The
actuarial valuation of liabilities has been certified by the appointed actuary, and in his opinion, the
assumptions for such valuation, are in accordance with the guidelines and norms, issued by the
Insurance Regulatory and Development Authority and the Institute of Actuaries of India in concurrence
with the Authority. We have relied on the appointed actuarys certificate to express an opinion on the
financial statements of the Corporation.
3.

In our opinion and to the best of our information and according to the explanations given to us and read
together with the Notes to Accounts, Significant Accounting Policies and paragraph 2(e) above:
a)(i)

The said Balance Sheets give a true and fair view of the state of affairs of the Corporation as at
31st March, 2010.

(ii)

The Revenue Accounts give a true and fair view of the surplus in respect of Life business/deficit
in respect of Capital Redemption (including Annuity Certain) Insurance Business for the year
ended 31st March, 2010.

(iii)

The Profit and Loss accounts give a true and fair view of the profit in respect of Life business /
loss in respect of Capital Redemption (including Annuity Certain) Insurance Business for the
year ended 31st March, 2010.

(iv)

The Receipts and Payments Account gives a true and fair view of the receipts and payments for
the year ended 31st March, 2010.

b)

The Financial Statements have been prepared in accordance with the requirements of the
Insurance Act, 1938 (4 of 1938), the Insurance Regulatory and Development Authority Act, 1999
(41 of 1999) and the Companies Act, 1956 (1 of 1956), to the extent applicable and in the
manner so required.

109

53

(ie) efveJesMeeW kees yeercee DeefOeefveece 1938 SJeb yeercee efJeefveeeceke SJeb efJekeeme eeefOekejCe (yeercee kebheefveeeW kees efJeeere efJeJejCe leweej
kejvee SJeb uesKee hejer#ee efjhees& leweej kejvee ) efJeefveeceve 2002 kes eeJeOeeveeW kes Devegmeej cetueebefkele efkeee ieee nw ~
(Ie) efveiece eje DeheveeF& ieF& uesKee veerefleeeB mecegefele nw leLee Yeejleere meveoer uesKeekeej mebmLeeve eje peejer eeespe uesKee ceevekeeW SJeb
yeercee efJeefveeeceke SJeb efJekeeme eeefOekejCe (yeercee kebheveereeW kee efJeeere efJeJejCe SJeb uesKee hejer#ee (efjhees& leweej kejvee)
efJeefveeceve 2002 ceW efJeefnle uesKee efmeebleeW ee yeercee efJeefveeeceke SJeb efJekeeme eeefOekejCe eje peejer DeeosMeeW SJeb efveosMeeW kes
Devegheeueve ceW nw ~
4)

nceW oer ieF& metevee leLee mheerkejCe kes Devegmeej SJeb nceejer meJeexece peevekeejer SJeb efJeMJeeme kes Devegmeej nce Deeies en Yeer eceeefCele
kejles nw efke
(i) nceves efJeeere efJeJejCeeW kes meeLe mebueive eyebOeve efjhees& keer meceer#ee keer nw leLee eyebOeve efjhees& SJeb efJeeere efJeJejCeeW kes yeere keesF&
ele#e ieueleer ee JeemleefJeke Demebielelee veneR nw ~
(ii) efveiece ves yeercee efJeefveeeceke SJeb efJekeeme eeefOekejCe mes eehle hebpeerkejCe kes mebyebOe ceW efveOee&efjle efveyebOeve SJeb Meleex kee Devegheeueve
efkeee nw ~
(iii) nceves JeemleefJeke efvejer#eCe eje ee eceeCe he$eeW keer emlegefle eje ee JeeGejeW eje pees Yeer ceeceuee nes vekeo Mes<e, efveJesMe SJeb
eefleYetefleeeW mes mebyebefOele efveiece eje efoS ieS $e+CeeW keer peebe keer nw ~
( iv) efveiece eje GejoeefelJe efueS ieS veeme kes veemeer kes mebyebOe ceW efveJesMe leLee JeJenejeWkeer efpeme meercee leke nceves meleeefhele keer
nw JeneB leke nceves peebe keer nw ~
(v) heeefuemeerOeejkeeW keer efveefOeeeW keer eeespelee SJeb efveJesMe mes mebyebefOele yeercee DeefOeefveece 1938 (1938 kee 4) kes eeJeOeeveeW kes
GuuebIeve ceW heeefuemeerOeejkeeW keer efveefOeeeW keer heefjmebheefeeeW kes efkemeer Yeeie kee hejes#e ee Dehejes#e he mes eeespe veneR efkeee ieee
nw ~

Deej. kes. oerheke SC[ keb. kes efueS

pes.Sve.Mecee& SC[ kebheveer kes efueS

keb.Heb.me./3145N

keb.Heb.me./000833C

S. Dee@yesje@e (hee&vej)
me.e. M. No. 90479

kegCeeue Mecee& (hee&vej)

me.e. M. No. 405919

Sme.Sue.epes[ SC[ kebheveer kes efueS

Sme.Ieesme SC[ kebheveer kes efueS

keb.Heb.me./000709C

keb.Heb.me./302184E

Sme.Sve.Mecee& (hee&vej)
me.e. M. No. 71224

ebove eesheeOeee (hee&vej)

me.e. M. No. 51254

kes.Jeiee&rme SC[ kebheveer kes efueS

jeceveeLece SC[ jeJe kes efueS

keb.Heb.me./004525S

keb.Heb.me./002934S
kes. eerefveJeemeve (hee&vej)

me@ce Jeiee&rme (hee&vej)

me.e. M. No. 216979

me.e. M. No. 206421

Sue.kes.kespejerJeeue SC[ kebheveer kes efueS

meerJeerkes SC[ SmeesefmeSdme kes efueS

keb.Heb.me./001368C

keb.Heb.me./101745W

Deej.mebievesefjee (hee&vej)
me.e. M. No. 73232

S.kes.heOeeve (hee&vej)
me.e. M. No. 32156

Dee[gefkeee SC[ SmeesefmeSdme kes efueS

keerle&ves SC[ hebef[le kes efueS

keb.Heb.me./100048W

keb.Heb.me./105215W

hebkepe Dee[gefkeee (hee&vej)

me.e. M. No. 222750

Mejo Yeeiekele (hee&vej)

me.e. M. No. 008072

meveoer uesKeekeej
mLeeve : cegcyeF&
efoveebke : 05.08.2010

110

53 rd Annual Report

c) The Investments have been valued in accordance with the provisions of the Insurance Act, 1938 and
Insurance Regulatory and Development Authority (Preparation of Financial Statements and Auditors
Report of Insurance Companies) Regulations, 2002.
d) The Accounting policies adopted by the Corporation are appropriate and are in compliance with the
applicable Accounting Standards issued by the Institute of Chartered Accountants of India and with
the accounting principles as prescribed in the Insurance Regulatory and Development Authority
(Preparation of Financial Statements and Auditors Report of Insurance Companies) Regulations,
2002, and orders or directions issued by Insurance Regulatory and Development Authority.
4.

According to the information and explanations given to us and to the best of our knowledge and belief,
we further certify that,
i)

We have reviewed the Management Report attached with the Financial Statements and there are
no apparent mistakes or material inconsistencies between the Management Report and the
Financial Statements.

ii)

The Corporation has complied with the terms and conditions of registration stipulated by the
Insurance Regulatory and Development Authority.

iii) We have verified the cash balances, investments and securitiesrelating to the loans given by
the Corporation by actual inspection or by production of certificates or vouchers as the case may
be.
iv) We have verified, to the extent considered necessary by us, the investments and transactions
relating to trusts undertaken by the Corporation as trustee; and
v)

No part of the Assets of the Policy holders Funds has been directly or indirectly applied in
contravention of the provisions of the Insurance Act, 1938 (4 of 1938) relating to the application and
investments of the Policyholders Funds.

For R.K.Deepak & Co.

F.R.N. 3145N

For J.N. Sharma & Co.

F.R.N. 000833C

Arvind Uberoi (Partner)

M.No. 90479

Kunal Sharma (Partner)

M.No. 405919

For S.L. Chhajed & Co.

F.R.N. 000709C

For S. Ghose & Co.

F.R.N. 302184E

S.N. Sharma (Partner)

M.No. 71224

Chandan Chattopadhay (Partner)

M.No. 51254

For K.Varghese & Co.

F.R.N.004525S

For Ramanatham & Rao

F.R.N. 002934S

Sam Varghese (Partner)

M.No. 216979

K.Sreenivasan (Partner)
M.No. 206421

For L.K.Kejriwal & Co.

F.R.N.001368C

For CVK & Associates.

F.R.N. 101745W

R.Sanganeria (Partner)
M.No. 73232

A.K.Pradhan (Partner)
M.No.32156

For Adukia & Associates.

F.R.N. 100048W

For Kirtane & Pandit

F.R.N. 105215W

Pankaj Adukia (Partner)

M.No. 222750
Place
Date :

:Mumbai
05.08.2010

Sharad Bhagwat (Partner)

M.No. 008072
CHARTERED ACCOUNTANTS

111

53

Heece& S-yeerSme

FORM A-BS
Name of the Insurer: Life Insurance Corporation of India

yeerceekelee& kee veece - Yeejleere peerJeve yeercee efveiece

HebpeerkejCe keer mebKee 512 leLee leejerKe 13/03/2009

Registration No. 512 Dated: 13.03.2009

31 ceee& 2010 leke kegue JeJemeee mes mebyebefOele legueve-He$e

BALANCE SHEET AS AT 31ST MARCH, 2010 IN RESPECT OF TOTAL BUSINESS

( ` ueeKees ceW)
( ` in lac)

efJeJejCe

Devegmeteer

Particulars

Schedule

iewj-mebye JeJemeee

mebye JeJemeee

Non-linked Business

Linked Business

Yeejle ceW Yeejle kes yeenj

Yeejle ceW Yeejle kes yeenj

In India Out of India

kegue
Total

eeuet Je<e&

efHeues Je<e&

In India

Out of India

Current Year Previous Year

500.00

0.00

0.00

0.00

500.00

500.00

23083.64

13003.68

0.00

0.00

36087.32

33107.91

0.00

0.00

0.00

0.00

0.00

0.00

23583.64

13003.68

0.00

0.00

36587.32

33607.91

0.00

0.00

0.00

0.00

0.00

0.00

11176752.48

3323.03

206739.85

0.00

11386815.36

2776895.55

83006550.13

119430.55

814015.78

29.60

83940026.06

72217682.20

366409.43

47.22

0.00

0.00

366456.65

364291.94

0.00

0.00 16002830.89

785.84

16003616.73

8728877.96

94549712.04

122800.80 17023586.52

815.44 111696914.80

84087747.65

efveefOeeeW kee eesle / SOURCES OF FUNDS

MesejOeejkeeW keer efveefOeeeB
SHAREHOLDERS' FUNDS:

Mesej HetBpeer
Share Capital

Deejef#eleefveefOe SJeb DeefOeMes<e

Reserves and Surplus

pecee/(veeceW) mener cetue HeefjJele&ve uesKee

Credit/(Debit) Fair Value Change Account

GHe-eesie
Sub-Total

GOeejer
BORROWINGS

HeeefuemeerOeejkeeW keer efveefOeeeB

POLICYHOLDERS' FUNDS:

pecee/(veeceW) mener cetue HeefjJele&ve uesKee

Credit/(Debit) Fair Value Change Account

Heeefuemeer oeefelJe
Policy Liabilities

yeercee Deejef#eleefveefOe
Insurance Reserves

6A

mebye oeefelJeeW kes efueS eeJeOeeve

Provision For Linked Liabilities

GHe-eesie
Sub-Total

YeefJe<e efJeefveeespeveeW kes efueS efveefOeeeB

FUNDS FOR FUTURE APPROPRIATIONS

0.00

0.00

8115.67

0.00

8115.67

5931.36

815.44 111741617.79

84127286.92

kegue
TOTAL

94573295.68

135804.48 17031702.19

efveefOeeeW kee eeesie

APPLICATION OF FUNDS

efveJesMe
INVESTMENTS

MesejOeejkeeW kes
Shareholders'

23798.35

11577.92

0.00

0.00

35376.27

31950.40

8A

83200572.10

103554.60

0.00

0.00

83304126.70

63896170.39

ASSETS HELD TO COVER LINKED LIABILITIES 8B

0.00

0.00 17031702.19

815.44

17032517.63

9041029.29

HeeefuemeerOeejkeeW kes
Policyholders'

mebyeb oeefelJe jef#ele kejves kes efueS HeefjmecHeefeeeB

$eCe
LOANS

8289490.74

10218.00

0.00

0.00

8299708.74

7947711.55

10

310924.61

1374.25

0.00

0.00

312298.86

297980.44

11

1402046.81

13846.10

0.00

0.00

1415892.91

1729263.56

12

3525289.20

6627.30

0.00

0.00

3531916.50

3142203.19

9305.78

(9305.78)

0.00

0.00

0.00

0.00

4936641.79

11167.62

0.00

0.00

4947809.41

4871466.75

Deeue HeefjmecHeefeeeB
FIXED ASSETS

eeuet HeefjmecHeefeeeB
CURRENT ASSETS

jeske[ SJeb yeQke ceW DeefleMes<e

Cash and Bank Balances

Deefece SJeb Deve HeefjmecHeefeeeB

Advances and Other Assets

Deblej keeee&uee Mes<e

Inter Office Balance

GHe-eesie (ke)
112

/ Sub-Total (A)

53 rd Annual Report

efJeJejCe

iewj-mebye JeJemeee

mebye JeJemeee

Non-linked Business

Linked Business

Devegmeteer

Particulars

Schedule

kegue
Total

Yeejle ceW Yeejle kes yeenj

Yeejle ceW Yeejle kes yeenj

In India

Out of India

In India

Out of India

eetue Je<e&

efheues Je<e&&

13

590894.48

1927.47

0.00

0.00

592821.95

371804.72

14

1597237.43

160.44

0.00

0.00

1597397.87

1587217.18

2188131.91

2087.91

0.00

0.00

2190219.82

1959021.90

2748509.88

9079.71

0.00

0.00

2757589.59

2912444.85

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

815.44 111741617.79

84127286.92

Current Year Previous Year

eeuet oeefelJe
CURRENT LIABILITIES

eeJeOeeve
PROVISIONS

GHe-eesie (Ke)
Sub-Total (B)

Meg eeuet HeefjmecHeefeeeB (ie) = (ke - Ke)

NET CURRENT ASSETS (C) = (A - B)

efJeefJeOe Jee (pees yes Keeles ceW ve [eues

ieS neW ee meceeeesefpele ve ngS neW)
MISCELLANEOUS EXPENDITURE
(to the extent not written off or adjusted)

15

ueeYe-neefve uesKee ceW veeceW Mes<e

(MesejOeejkeeW kee Keelee)
DEBIT BALANCE IN PROFIT & LOSS
ACCOUNT (Shareholders' Account)

kegue
TOTAL

94573295.68

135804.48 17031702.19

Ten lakhs = One million

cenJeHetCe& uesKeveerefleeeB leLee uesKee mecyevOeer efHHeefCeeeB

Significant

Accounting

Policies

15A

& Note to Accounts

nceejer Gme leejerKe Jeeueer efjhees& kes Devegmeej

As per our report of even date

DevegmetefeeeB 1 mes 15 ke leke kes efueS nmlee#ej

Signature to Schedules 1 to 15A
Deej. kes. oerheke SC[ keb. kes efueS

Sue.kes.kespejerJeeue SC[ kebheveer kes efueS Sme.Ieesme SC[ kebheveer kes efueS

For R. K. Deepak & Co.

F.R.N. / keb.Heb.me./3145N

For L. K. Kejriwal & Co.

F.R.N. / keb.Heb.me./001368C

For S. Ghose & Co.

F.R.N. / keb.Heb.me./302184E

S. Dee@yesje@e (hee&vej)

Deej.mebievesefjee (hee&vej)

ebove eesheeOeee (hee&vej)

Arvind Uberoi (Partner)

me.e. M. No. 90479

R. Sanganeria (Partner)
me.e. M. No. 73232

Chandan Chattopadhay
(Partner)
me.e. M. No. 51254

Dee[gefkeee SC[ SmeesefmeSdme kes efueS

Sme.Sue.epes[ SC[ kebheveer kes efueS
For S.L. Chhajed & Co.
F.R.N. / keb.Heb.me./000709C

For Adukia & Associates

F.R.N. / keb.Heb.me./100048W

hebkepe Dee[gefkeee (hee&vej)

Sme.Sve.Mecee& (hee&vej)

Pankaj Adukia (Partner)

me.e. M. No. 222750

S.N. Sharma (Partner)

me.e. M. No. 71224

pes.Sve.Mecee& SC[ kebheveer kes efueS

kes.Jeiee&rme SC[ kebheveer kes efueS
For K. Varghese& Co .
F.R.N. / keb.Heb.me./004525S

For J. N. Sharma & Co.

F.R.N. / keb.Heb.me./000833C

kegCeeue Mecee& (hee&vej)

me@ce Jeiee&rme (hee&vej)
Sam Varghese (Partner)
me.e. M. No. 216979

Kunal Sharma (Partner)

me.e. M. No. 405919

meveoer uesKeekeej
Chartered Accountants

er. Sme. efJepeeve

DeOe#e

T. S. Vijayan

Chairman

Lee@ceme cewLet er.

eyebOe efveosMeke

Thomas Mathew T.

Managing
Director

[er. kes. cesnjes$ee

D. K. Mehrotra

jeceveeLece SC[ jeJe kes efueS

efveiece kes meome

Members of the
Corporation

For Ramnatham & Rao

F.R.N. / keb.Heb.me./002934S

eesiesMe ueesefnee

kes. eerefveJeemeve (hee&vej)

Yogesh Lohiya

K. Sreenivasan (Partner)
me.e. M. No. 206421

efJe. kes. kegkejspee

keee& efveosMeke (efJe. SJeb ues.)

V. K. Kukreja

Executive Director (F & A)

meerJeerkes SC[ SmeesefmeSdme kes efueS

For CVK & Associates
F.R.N. / keb.Heb.me./101745W

S.kes.heOeeve (hee&vej)

er. Yeeie&Jee

efveegkele efyeceebkeke

T. Bhargava

Appointed
Actuary

A.K. Pradhan (Partner)

me.e. M. No. 32156

keerle&ves SC[ hebef[le kes efueS

For Kirtane & Pandit
F.R.N. / keb.Heb.me./105215W

Mejo Yeeiekele (hee&vej)

cegcyeF&

: 05 Deiemle, 2010
th

Mumbai : 05

August, 2010

Sharad Bhagwat (Partner)

me.e. M. No. 008072

113

53

Heece& S-DeejS
yeerceekelee& kee veece - Yeejleere peerJeve yeercee efveiece
HebpeerkejCe keer mebKee 512 leLee leejerKe 13/03/2009

31 ceee& 2010 kees meceeHle Je<e& kes efueS

REVENUE ACCOUNT FOR THE YEAR ENDED 31ST MARCH, 2010

efJeJejCe
Particulars

iewj-mebye JeJemeee kegue (eeuet Je<e&)

Devegmeteer
Schedule

Non-Linked Business Total (Current Year)

menYeeieer

iewj-menYeeieer

Participating

Non-Participating

Yeejle ceW

Yeejle kes yeenj

Yeejle ceW

Yeejle kes yeenj

In India

Out of India

In India

Out of India

10859310.46

16117.74

3005107.07

980.37

(7141.97)

(37.83)

(1351.98)

0.00

Deefpe&le Meg eerefceece

Premiums earned - net

(ke) eerefceece
(a)

Premium

(Ke) Hegve&yeercee DeblejCe

(b)

Reinsurance ceded

(ie) Hegve&yeercee mJeerkeej

(c)

Reinsurance accepted

353.24

0.00

(0.82)

0.00

10852521.73

16079.91

3003754.27

980.37

5341406.80

9284.69

847474.03

26.14

614000.68

633.86

108389.20

0.00

(154188.87)

(568.98)

(19957.31)

0.00

0.00

0.00

0.00

0.00

18632.81

12.54

1329.56

0.00

13835.02

57.39

13.52

0.00

16686208.17

25499.41

3941003.27

1006.51

1053536.97

1200.93

8168.17

11.12

930802.00

2158.54

29166.17

32.87

2757.30

9471.20

0.00

0.00

(111030.19)

(44.15)

6544.42

0.00

349007.30

941.04

12578.99

0.00

3670.99

0.00

(1017.49)

0.00

0.00

0.00

0.00

0.00

(12000.20)

6.60

(3932.05)

0.00

2216744.17

13734.16

51508.21

43.99

efveJesMe mes Deee

Income from Investments

(ke) yeepe, ueeYeebMe SJeb efkejeee kegue

(a)

Interest, Dividends & Rent - Gross

(Ke) efveJesMe efyeeer/ceeseve Hej ueeYe

(b)

Profit on sale/redemption of investments

(ie) (efveJesMe efyeeer/ceeseve Hej neefve)

(c)

(Loss on sale/redemption of investments)

(Ie) Hegvece&tueebkeve/mener cetue HeefjJele&ve Hej DeblejCe/ueeYe*

(d)

Transfer/Gain on revaluation/change in fair value*

(Ie) Deve Deee

(e)

Other Income
(i) yes Keeles ceW [eueer jeefMeeeB
(i) Amounts written back
(ii) Hegkej eeeqHleeeB
(ii) Sundry Receipts

kegue (ke)
TOTAL (A)

keceerMeve
Commission

yeercee JeJemeee mes mebyebefOele Heefjeeueve Kee&

Operating Expenses related to Insurance Business

Deve Jee efJeefvecee

Other Expenses: Exchange

mebefoiOe $eCeeW kes efueS eeJeOeeve

Provisions for Doubtful debts

kejeOeeve kes efueS eeJeOeeve

Provisions for taxation

eeJeOeeve (kejeOeeve kes Deefleefjkele)

Provisions (other than taxation)

(ke) efveJesMe kes cetue ceW (Meg) keceer kes efueS

(a)

For diminution in the value of investments (Net)

(Ke) DeeJeMeke MeesOe#ecelee meercee kes efueS eeJeOeeve

(b)

Provision for Required Solvency Margin

(ie) Deve
(c)

Others

kegue (Ke)
TOTAL (B)

114

53 rd Annual Report

FORM A-RA
Name of the Insurer: Life Insurance Corporation of India
Registration No. 512 Dated: 13.03.2009

kegue JeJemeee mes mebyebefOele jepemJe uesKee HeeefuemeerOeejkeeW kee uesKee (lekeveerkeer uesKee)
( ` ueeKeeW ceW)

IN RESPECT OF TOTAL BUSINESS Policyholders Account (Technical Account)

(` in lac)

mebye JeJemeee

kegue eeuet Je<e&

kegue efHeues Je<e&

Linked Business

Total (Current Year)

Total (Previous Year)

iewj-menYeeieer

menYeeieer

iewj-menYeeieer

menYeeieer

iewj-menYeeieer

Non-Participating #

Participating

Non-Participating

Participating

Non-Participating

Yeejle ceW

Yeejle kes yeenj

In India

Out of India

4725943.16

272.28

10875428.20

7732302.88

10453922.73

5274881.12

(960.50)

0.00

(7179.80)

(2312.48)

(7141.57)

(2949.87)

0.00

0.00

353.24

(0.82)

(57.73)

0.36

4724982.66

272.28

10868601.64

7729989.58

10446723.43

5271931.61

521577.87

18.90

5350691.49

1369096.94

4635913.88

1022364.91

294208.63

9.63

614634.54

402607.46

308623.60

200369.64

(17611.56)

(46.92)

(154757.85)

(37615.79)

(128392.55)

(61936.34)

3694758.80

94.28

0.00

3694853.08

0.00

(1699370.59)

0.00

0.00

18645.35

1329.56

17102.51

1652.04

175.39

(2.81)

13892.41

186.10

12846.48

236.63

9218091.79

345.36

16711707.58

13160446.93

15292817.35

4735247.90

148113.56

0.53

1054737.90

156293.38

862108.36

141215.97

262422.84

0.00

932960.54

291621.88

701378.41

205050.33

0.00

27.68

12228.50

27.68

1909.42

0.02

0.00

0.00

(111074.34)

6544.42

27310.25

0.33

0.00

1.41

349948.34

12580.40

322812.04

12036.01

0.00

0.00

3670.99

(1017.49)

18796.89

7681.23

0.00

0.00

0.00

0.00

0.00

0.00

63727.54

0.00

(11993.60)

59795.49

2932.74

63766.02

474263.94

29.62

2230478.33

525845.76

1937248.11

429749.91

115

53

31 ceee& 2010 kees meceeHle Je<e& kes efueS

REVENUE ACCOUNT FOR THE YEAR ENDED 31ST MARCH, 2010

efJeJejCe
Particulars

iewj-mebye JeJemeee kegue (eeuet Je<e&)

Devegmeteer
Schedule

Non-Linked Business Total (Current Year)

menYeeieer

iewj-menYeeieer

Participating

Non-Participating

Yeejle ceW

Yeejle kes yeenj

Yeejle ceW

Yeejle kes yeenj

In India

Out of India

In India

Out of India

5400331.70

12578.96

1320045.96

16.86

100234.09

119.84

0.00

0.00

8865966.38

(1093.99)

2569449.10

945.66

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

Transfer to provision for Linked Liabilities

0.00

0.00

0.00

0.00

Transfer to Funds for Future Appropriations

0.00

0.00

0.00

0.00

14366532.17

11604.81

3889495.06

962.52

102931.83

160.44

0.00

0.00

102931.83

160.44

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

102931.83

160.44

0.00

0.00

Deoe efkeee ieee ueeYe (Meg)

Benefits paid (Net)

Deoe efkeee ieee Debleefjce yeesveme

Interim Bonuses Paid

peerJeve HeeefueefmeeeW kes mecyevOe ceW oeefelJe cetueebkeve ceW HeefjJele&ve

Change in valuation of liability in respect of life policies
(ke) kegue**
(a) Gross**

(Ke) Hegve&yeercee ceW Debleefjle jeefMe

(b) Amount ceded in Reinsurance

(ie) Hegve&yeercee ceW mJeerke=le jeefMe

(c) Amount accepted in Reinsurance

mebyeOo oseleeDeeW kes eeJeOeeve ceW DeblejCe

kegue (ie)
TOTAL (C)

DeefOeMes<e/Ieee (Ie) = (ke)-(Ke)-(ie)

SURPLUS/(DEFICIT) (D) = (A)-(B)-(C)

efJeefveeespeve
APPROPRIATIONS

MesejOeejkeeW kes uesKee ceW DeblejCe

Transfer to Shareholders Account

heeefuemeerOeejkeeW kes uesKee ceW DeblejCe

Transfer to Policyholders

YeefJe<e kes efJeefveeespeve efveefOeeeW kees DeblejCe

Transfer to Funds for Future Appropriations

kegue (Ie)
TOTAL (D)

# mebyeOo JeJemeee ceW yeejn iewj-menYeeieer eespeveeSb nQ, pewmes yeercee hueme, Heegej hueme, peerJeve hueme, ceveer hueme, ceekex hueme, Hee@e&gve hueme, hee@efHe hueme, nsuLe hueme, ceveer hueme-1, ceekex hueme-1, eeF&u[ Hee@e&gve hueme leLee ieweger hueme~
* heeefOekeejer eje efJeefvee|o< ceeveoC[eW kes Devegmeej ceevee ngDee heehe ueeYe oMee&lee nw ~
** yeesveme Deeyebve kes yeeo ieefCeleere Deejef#ele efveefOe oMee&lee nww ~
Je<e& kes oewjeve kegue DeefOeMes<e:
kegue iewj mebyeOo
menYeeieer
iewj-menYeeieer
(ke) Debleefjce yeesveme : `
100353.93
0.00
1958753.08
0.00
(Ke) heeefuemeerOeejkeeW kees yeesveme kee Deeyebve : `
(ie) jepemJe uesKee ceW oMee&ee ieee DeefOeMes<e
103092.27
0.00
(Ie) kegue DeefOeMes<e (ke + Ke + ie) : `
2162199.28
0.00
pewmee efke yeercee DeefOeefveece, 1938 efke Oeeje 40(Ke)(4) kes Devegmeej Jeebe
f le nw, nce heceeefCele kejles nQ efke nceejer meJeexllece peevekeejer Deewj efJeMJeeme kes Devegmeej leLee nceW oer ieF& metevee Deewj mhe<erkejCe kes Devegmeej Deewj pewmee efke nceW efveiece efke Keelee yeefneeW kes hejer#eCe mes ueielee nw :
(ke) efveieceJoeje mebheeefole peerJeve yeercee JeeJemeee mes mebyebefOele meYeer heyevOe Jee jepemJe Keeles ceW - menYeeieer/iewj-menYeeieer hetjer lejn JeeeJele veeces efkeS nQ ~
(Ke) efveieceJoeje mebheeefole DemebyeOo leLee mebyeOo JeeJemeee mes mebyebefOele mecemle heYeej, mebyebefOele jepemJe KeeleeW ceW hetjer lejn veeces efkeS ieS nQ ~
GHejesefuueefKele DevegmetefeeeB jepemJe uesKee kes DebieYetle Yeeie nQ~
# Linked business comprises of twelve non participating plans, viz Bima Plus, Future Plus, Jeevan Plus, Money Plus, Market Plus, Fortune Plus,Profit Plus, Health Plus,
Money Plus-I, Market Plus-I, Child Fortune Plus and Gratuity Plus.
* Represents the deemed realised gain as per norms specified by the Authority.
* * Represents Mathematical Reserves after allocation of bonus.
Total Surplus during the year
Non Linked Total
Participating
Non Participating
(a) Interim Bonus: `
100353.93
0.00
(b) Allocation of Bonus to Policyholders: `
1958753.08
0.00
(c) Surplus shown in the Revenue accounts:
103092.27
0.00
(d) Total Surplus [a+b+c]: `
2162199.28
0.00
As required by Section 40-B(4) of the Insurance Act, 1938 we certify that to the best of our knowledge and belief and according to the information and explanations given to
us and so far as appears from our examination of the Corporation's books of accounts.
(a) All expenses of management in respect of life insurance business transacted by the Corporation have been fully debited to the Revenue Account - Participating/Non-Participating as
expenses.
(b) All charges incurred in respect of the Life Insurance Business transacted by the Corporation in respect of Non-Linked and Linked Business have been fully debited by
the Corporation in the respective Revenue Accounts.
The Schedules referred to above form an integral part of the Revenue Account.

116

53 rd Annual Report

(` ueeKeeW ceW)
(` in lac)

kegue JeJemeee mes mebyebefOele jepemJe uesKee HeeefuemeerOeejkeeW kee uesKee (lekeveerkeer uesKee) (eeuet)
IN RESPECT OF TOTAL BUSINESS Policyholders Account (Technical Account) (Contd...)

mebye JeJemeee

kegue eeuet Je<e&

kegue efHeues Je<e&

Linked Business

Total (Current Year)

Total (Previous Year)

iewj-menYeeieer

menYeeieer

iewj-menYeeieer

menYeeieer

iewj-menYeeieer

Non-Participating

Participating

Non-Participating

Participating

Non-Participating

Yeejle ceW

Yeejle kes yeenj

In India

Out of India

1180062.31

30.05

5412910.66

2500155.18

4216774.03

1031039.84

0.00

0.00

100353.93

0.00

77222.99

0.00

287098.55

29.60

8864872.39

2857522.91

8968660.64

1802456.76

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7274482.68

256.09

0.00

7274738.77

0.00

1466070.03

2184.31

0.00

0.00

2184.31

0.00

5931.36

8743827.85

315.74

14378136.98

12634601.17

13262657.66

4305497.99

0.00

0.00

103092.27

0.00

92911.58

0.00

0.00

0.00

103092.27

0.00

92911.58

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

103092.27

0.00

92911.58

0.00

Deej. kes. oerheke SC[ keb. kes efueS

Sue.kes.kespejerJeeue SC[ kebheveer kes efueS Sme.Ieesme SC[ kebheveer kes efueS

For R. K. Deepak & Co.

For L. K. Kejriwal & Co.

For S. Ghose & Co.

er. Sme. efJepeeve

DeOe#e

S. Dee@yesje@e (hee&vej)

Deej.mebievesefjee (hee&vej)

ebove eesheeOeee (hee&vej)

T. S. Vijayan

Chairman

Arvind Uberoi (Partner)

me.e. M. No. 90479

R. Sanganeria (Partner)
me.e. M. No. 73232

Lee@ceme cewLet er.

eyebOe efveosMeke

Sme.Sue.epes[ SC[ kebheveer kes efueS

Dee[gefkeee SC[ SmeesefmeSdme kes efueS

Chandan Chattopadhay
(Partner)
me.e. M. No. 51254

Thomas Mathew T.

For S.L. Chhajed & Co.

For Adukia & Associates

jeceveeLece SC[ jeJe kes efueS

Managing
Director

hebkepe Dee[gefkeee (hee&vej)

For Ramnatham & Rao

[er. kes. cesnjes$ee

Sme.Sve.Mecee& (hee&vej)
S.N. Sharma (Partner)
me.e. M. No. 71224

Pankaj Adukia (Partner)

me.e. M. No. 222750

kes. eerefveJeemeve (hee&vej)

D. K. Mehrotra

kes.Jeiee&rme SC[ kebheveer kes efueS

pes.Sve.Mecee& SC[ kebheveer kes efueS

K. Sreenivasan (Partner)
me.e. M. No. 206421

eesiesMe ueesefnee

For K. Varghese& Co .

For J. N. Sharma & Co.

meerJeerkes SC[ SmeesefmeSdme kes efueS

Yogesh Lohiya

me@ce Jeiee&rme (hee&vej)

kegCeeue Mecee& (hee&vej)

For CVK & Associates

Sam Varghese (Partner)

me.e. M. No. 216979

Kunal Sharma (Partner)

me.e. M. No. 405919

S.kes.heOeeve (hee&vej)
A.K. Pradhan (Partner)
me.e. M. No. 32156

efveiece kes meome

Members of the
Corporation

efJe. kes. kegkejspee

keee& efveosMeke (efJe. SJeb ues.)

V. K. Kukreja

Executive Director (F & A)

meveoer uesKeekeej
Chartered Accountants

keerle&ves SC[ hebef[le kes efueS

For Kirtane & Pandit

Mejo Yeeiekele (hee&vej)

cegcyeF&

: 05 Deiemle, 2010

Mumbai : 05th August, 2010

Sharad Bhagwat (Partner)

me.e. M. No. 008072

er. Yeeie&Jee

efveegkele efyeceebkeke

T. Bhargava

Appointed
Actuary

117

53

Heece& S-HeerSue

FORM A-PL
Name of the Insurer: Life Insurance Corporation of India
Registration No. 512 Dated: 13.03.2009

yeerceekelee& kee veece - Yeejleere peerJeve yeercee efveiece

HebpeerkejCe keer mebKee 512 leLee leejerKe 13/03/2009

31 ceee& 2010 kees meceeHle Je<e& kee kegue JeJemeee mes mebyebeOf ele ueeYe-neefve uesKee MesejOeejkeeW kee uesKee (iewj lekeveerkeer uesKee)
PROFIT & LOSS ACCOUNT FOR THEYEAR ENDED 31ST MARCH, 2010 IN RESPECT OF TOTAL BUSINESS
Shareholders Account (Non-technical Account)

(` ueeKeeW ceW)
(` in lac)

Devegmeteer

iewj-mebye JeJemeee

mebye JeJemeee

kegue

Schedule

Non-linked Business

Linked Business

Total

efJeJejCe
Particulars

Yeejle ceW Yeejle kes yeenj

Yeejle ceW Yeejle kes yeenj

In India Out of India

eeuet Je<e&

efHeues Je<e&

In India

Out of India

Current Year Previous Year

102931.83

160.44

0.00

0.00

103092.27

92911.58

2892.10

31.34

0.00

0.00

2923.44

2816.15

65.32

0.00

0.00

0.00

65.32

0.00

(9.23)

0.00

0.00

0.00

(9.23)

(9.23)

0.00

0.00

0.00

0.00

0.00

0.00

105880.02

191.78

0.00

0.00

106071.80

95718.50

0.12

0.00

0.00

0.00

0.12

(16.38)

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.12

0.00

0.00

0.00

0.12

(16.38)

105879.90

191.78

0.00

0.00

106071.68

95734.88

0.00

0.00

0.00

0.00

0.00

0.00

105879.90

191.78

0.00

0.00

106071.68

95734.88

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

102931.83

160.44

0.00

0.00

103092.27

92911.58

0.00

0.00

0.00

0.00

0.00

0.00

2948.07

31.34

0.00

0.00

2979.41

2823.30

0.00

0.00

0.00

0.00

0.00

0.00

HeeefuemeerOeejkeeW kes uesKee (lekeveerkeer uesKee) mes Mes<e kees

Deesef<ele 31-3-2010 leke
Balance brought forward from the Policyholders
Account (Technical Account) : As at 31.3.2010

efveJesMe mes Deee

Income from Investments

(ke) yeepe, ueeYeebMe SJeb efkejeee-Meg

(a) Interest, Dividends & Rent - Gross

(Ke) efveJesMe keer efye$eer / ceeseve Hej ueeYe

(b) Profit on sale/redemption of investments

(ie) (efveJesMe keer efye$eer/ceeseve Hej neefve)

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

Deve Deee (yeesje osvee nw)

Other Income (To be specified)

kegue (ke)
TOTAL (A)

yeercee JeJemeee mes meerOes mebyebefOele Keeex kes Deefleefjkele

Deve Kee&
Expenses other than those directly related to the
insurance business

eeJeOeeve (kejeOeeve kes Deefleefjkele)

Provisions (Other than taxation)

(ke) efveJesMe kes cetue ceW Meg keceer

(a) For diminution in the value of investments (Net)

(Ke) Deve (yeesje osvee nw)

(b) Others (To be specified)

kegue (Ke)
TOTAL (B)

ueeYe / (neefve) kej HetJe&

Profit/(Loss) before tax

kejeOeeve kee eeJeOeeve

Provision for Taxation

ueeYe/(neefve) kej HeMeeled

Profit/Loss after tax
efJeefveeespeve / APPROPRIATIONS

(ke) legueve He$e mes Deesef<ele Deejef#eleefveefOe / DeefOeMes<e

(a) Brought forward Reserve/Surplus from
the Balance Sheet
(Ke) Je<e& kes oewjeve eoe ueeYeebMe (5% cetueebkeve

DeefOeMes<e kesvere mejkeej kees eoe)

(b) Dividends paid during the year
(5% Valuation surplus paid to Central Government)

(ie) emleeefJele Debeflece ueeYeebMe

(c) Proposed final dividend

(Ie) ueeYeebMe Deeyebve hej kej

(d) Dividend Distribution on Tax

(*) meeceeve Deejef#eleefveefOe kees DeblejCe

(e) Transfer to General Reserve

legueve He$e kees Deesef<ele ueeYe

Profit carried forward to the Balance Sheet

118

53 rd Annual Report

nceejer Gme leejerKe Jeeueer efjhees& kes Devegmeej

As per our report of even date

Deej. kes. oerheke SC[ keb. kes efueS

Sue.kes.kespejerJeeue SC[ kebheveer kes efueS Sme.Ieesme SC[ kebheveer kes efueS

For R. K. Deepak & Co.

F.R.N. / keb.Heb.me./3145N

For L. K. Kejriwal & Co.

F.R.N. / keb.Heb.me./001368C

For S. Ghose & Co.

F.R.N. / keb.Heb.me./302184E

S. Dee@yesje@e (hee&vej)

Deej.mebievesefjee (hee&vej)

ebove eesheeOeee (hee&vej)

Arvind Uberoi (Partner)

me.e. M. No. 90479

R. Sanganeria (Partner)
me.e. M. No. 73232

Chandan Chattopadhay
(Partner)
me.e. M. No. 51254

Dee[gefkeee SC[ SmeesefmeSdme kes efueS

Sme.Sue.epes[ SC[ kebheveer kes efueS
For S.L. Chhajed & Co.
F.R.N. / keb.Heb.me./000709C

For Adukia & Associates

F.R.N. / keb.Heb.me./100048W

hebkepe Dee[gefkeee (hee&vej)

Sme.Sve.Mecee& (hee&vej)

Pankaj Adukia (Partner)

me.e. M. No. 222750

S.N. Sharma (Partner)

me.e. M. No. 71224

pes.Sve.Mecee& SC[ kebheveer kes efueS

kes.Jeiee&rme SC[ kebheveer kes efueS
For K. Varghese& Co .
F.R.N. / keb.Heb.me./004525S

For J. N. Sharma & Co.

F.R.N. / keb.Heb.me./000833C

kegCeeue Mecee& (hee&vej)

me@ce Jeiee&rme (hee&vej)
Sam Varghese (Partner)
me.e. M. No. 216979

Kunal Sharma (Partner)

me.e. M. No. 405919

meveoer uesKeekeej
Chartered Accountants

er. Sme. efJepeeve

DeOe#e

T. S. Vijayan

Chairman

Lee@ceme cewLet er.

eyebOe efveosMeke

Thomas Mathew T.

Managing
Director

[er. kes. cesnjes$ee

D. K. Mehrotra

jeceveeLece SC[ jeJe kes efueS

efveiece kes meome

Members of the
Corporation

For Ramnatham & Rao

F.R.N. / keb.Heb.me./002934S

eesiesMe ueesefnee

kes. eerefveJeemeve (hee&vej)

Yogesh Lohiya

K. Sreenivasan (Partner)
me.e. M. No. 206421

efJe. kes. kegkejspee

keee& efveosMeke (efJe. SJeb ues.)

V. K. Kukreja

Executive Director (F & A)

meerJeerkes SC[ SmeesefmeSdme kes efueS

For CVK & Associates
F.R.N. / keb.Heb.me./101745W

S.kes.heOeeve (hee&vej)

er. Yeeie&Jee

efveegkele efyeceebkeke

T. Bhargava

Appointed
Actuary

A.K. Pradhan (Partner)

me.e. M. No. 32156

keerle&ves SC[ hebef[le kes efueS

For Kirtane & Pandit
F.R.N. / keb.Heb.me./105215W

Mejo Yeeiekele (hee&vej)

cegcyeF&

: 05 Deiemle, 2010

Mumbai : 05th August, 2010

Sharad Bhagwat (Partner)

me.e. M. No. 008072

119

53

DevegmetefeeeB pees efJeeere efJeJejCeeW kes DebieYetle nQ

SCHEDULES FORMING PART OF THE FINANCIAL STATEMENTS

Devegmeteer
SCHEDULE

1 eerefceece : 31.03.2010
1 PREMIUM : 31.03.2010

efJeJejCe
Particulars

( `ueeKeeW ceW)
(` in lac)

iewj-mebye JeJemeee
Non-linked Business

mebye JeJemeee

kegue (eeuet Je<e&)

kegue (efHeues Je<e&)

Linked Business

Total (Current Year)

Total (Previous Year)

menYeeieer

iewj-menYeeieer

iewj-menYeeieer

menYeeieer

iewj-menYeeieer

menYeeieer

iewj-menYeeieer

Participating

Non-Participating

Non-Participating

Participating

Non-Participating

Participating

Non-Participating

1888395.26

246005.38

484047.28

1888395.26

730052.66 1375171.78

538889.47

8622059.27

915891.73

1917589.94

8622059.27

2833481.67 7857994.55

2552901.37

364973.67

1844190.33

2324578.22

364973.67

4168768.55 1220756.40

2183090.28

10875428.20

3006087.44

4726215.44 10875428.20

7732302.88 10453922.73

5274881.12

10859310.46

3005107.07

4725943.16 10859310.46

7731050.23 10437745.96

5274028.02

16117.74

980.37

10875428.20

3006087.44

eLece Je<eeae eerefceece

1 First year Premiums

HejJeleea eerefceece
2 Renewal Premiums

Skeue eerefceece Deewj meerSpeer

3 Single Premiums & CAG

kegue eerefceece
TOTAL PREMIUM

eerefceece Deee efueefKele

JeJemeee mes
PREMIUM INCOME FROM
BUSINESS WRITTEN:

Yeejle ceW
In India

Yeejle kes yeenj

Outside India

272.28

16117.74

1252.65

16176.77

853.10

7732302.88 10453922.73

5274881.12

kegue eerefceece
TOTAL PREMIUM

120

4726215.44 10875428.20

53 rd Annual Report

Devegmeteer

2 - keceerMeve Jee : 31.03.2010

SCHEDULE

2 COMMISSION EXPENSES : 31.03.2010

iewj-mebye JeJemeee

efJeJejCe
Particulars

Non-linked Business

( ` ueeKeeW ceW)
( ` in lac)

mebye JeJemeee

kegue (eeuet Je<e&)

kegue (efheues Je<e&)

Linked Business

Total (Current Year)

Total (Previous Year)

menYeeieer

iewj-menYeeieer

iewj-menYeeieer

menYeeieer

iewj-menYeeieer

menYeeieer

iewj-menYeeieerr

Participating

Non-Participating

Non-Participating

Participating

Non-Participating

Participating

Non-Participating

565518.13

3894.81

40634.62

565518.13

44529.43

383603.72

51487.17

486454.91

2397.96

61718.41

486454.91

64116.37

458444.05

68692.66

5039.36

1837.10

45761.06

5039.36

47598.16

22156.26

21124.86

0.00

0.00

0.00

0.00

0.00

0.00

0.00

1.18

0.00

0.00

1.18

0.00

0.00

0.00

2275.68

(49.42)

0.00

2275.68

(49.42)

2095.67

88.72

1054737.90

8179.29

148114.09

1054737.90

156293.38

862108.36

141215.97

1053536.97

8168.17

148113.56

1053536.97

156281.73

860887.88

141206.20

1200.93

11.12

0.53

1200.93

11.65

1220.48

9.77

1054737.90

8179.29

148114.09

1054737.90

156293.38

862108.36

141215.97

eoe keceerMeve
1 Commission paid

meerOee eLece Je<eeae eerefceece

Direct First year premiums
HejJeleea eerefceece
Renewal premiums
Skeue eerefceece
Single premiums
Deve keceerMeve
Other Commission
pees[s mJeerke=le Hegve&yeercee Hej
keceerMeve
Add : Commission on
Re-insurance Accepted

IeeFS Debleefjle Hegve&yeercee Hej

keceerMeve
Less: Commission on
Re-insurance Ceded

Meg keceerMeve
NET COMMISSION

efueefKele JeJemeee Hej keceerMeve

COMMISSION ON BUSINESS
WRITTEN:

Yeejle ceW
In India

Yeejle kes yeenj

Outside India

Meg keceerMeve
NET COMMISSION

JeJemeee eehle kejves kes efueS efkees iees mekeue Jee kee efJeIeve:
Break up of the expenses (Gross) incurred to procure business :

Speb
Agents

1049529.31

8077.37

145460.32

1049529.31

153537.69

861776.18

141195.36

219.35

8.95

137.73

219.35

146.68

40.55

14.57

2202.02

25.38

562.15

2202.02

587.53

280.90

4.66

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2787.22

67.59

1953.89

2787.22

2021.48

10.73

1.38

1054737.90

8179.29

148114.09

1054737.90

156293.38

862108.36

141215.97

yeeskej
Brokers

efveieefcele Speb
Corporate Agency

efjhejue
Referral

Deve
Others

kegue
TOTAL

121

53

Devegmeteer
SCHEDULE

3 - yeercee JeJemeee mes mecyeefvOele Heefjeeueve Jee : 31.03.2010

3 OPERATING EXPENSES RELATED TO INSURANCE BUSINESS: 31.03.2010
iewj-mebye JeJemeee

efJeJejCe
Particulars

Non-linked Business

( ` ueeKeeW ceW)

( ` in lac)

mebye JeJemeee

kegue (eeuet Je<e&)

kegue (efheues Je<e&)

Linked Business

Total (Current Year)

Total (Previous Year)

menYeeieer

iewj-menYeeieer

iewj-menYeeieerr

menYeeieer

iewj-menYeeieer

menYeeieer

iewj-menYeeieerr

Participating

Non-Participating

Non-Participating

Participating

Non-Participating

Participating

Non-Participating

604713.17

19997.16

180535.39

604713.17

200532.55

445788.97

131582.15

Travel, conveyance and vehicle

running expenses
13143.04

505.00

3885.88

13143.04

4390.88

12988.91

3662.87

1196.15

37.24

353.58

1196.15

390.82

1517.87

427.54

16636.03

730.26

4968.43

16636.03

5698.69

14614.55

4286.54

7513.17

149.33

2255.84

7513.17

2405.17

5144.95

1376.53

8971.97

239.99

2689.55

8971.97

2929.54

9033.58

2419.46

18641.02

784.38

5583.34

18641.02

6367.72

17577.61

5174.24

222.31

17.03

165.69

222.31

182.72

480.53

90.53

4014.15

120.39

1086.90

4014.15

1207.29

1374.09

2894.07

294.90

7.47

4.20

294.90

11.67

249.59

10.58

0.00

0.00

0.00

0.00

0.00

48.49

0.73

41.41

0.63

0.00

41.41

0.63

0.00

0.00

3.25

0.05

0.00

3.25

0.05

7.88

0.12

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.13

0.00

0.00

0.13

0.00

0.00

0.00

25365.69

1379.39

3751.18

25365.69

5130.57

20771.76

3618.20

6394.77

305.61

4179.45

6394.77

4485.06

7814.23

2994.65

kece&eeefjeeW kee Heeefjeefceke leLee

keueeCe ueeYe
1

Employees remuneration &

welfare benefits

ee$ee, meJeejer SJeb Jeenve eeueve Jee

2

eefMe#eCe Jee
3

Training Expenses

Rents, rates & taxes

Repairs

efkejeee, ojW SJeb kej

cejccele
cegCe SJeb uesKee meeceieer
6

Printing & Stationery

Communication expenses

mebeej Jee
efJeefOeke SJeb JeeJemeeefeke eYeej
8

Legal & professional charges

Medical Fees

efeefkelmee Meguke
uesKee Hejer#eke Meguke, Jee Deeefo
10 Auditors fees, expenses etc.

(ke) uesKee Hejer#eke kes He ceW

(a) as auditor

(Ke) meueenkeej kes He ceW ee efvecve

mebyebOe ceW efkemeer Yeer #ecelee ceW
(b) as adviser or in any other
capacity in respect of

kejeOeeve ceeceues
(i) Taxation matters

yeercee ceeceues
(ii) Insurance matters

eyevOeve mesJeeSb, leLee

(iii)Management services; and

(ie) efkemeer Yeer Deve #ecelee ceW

(c) in any other capacity

efJe%eeHeve SJeb eeej

11 Advertisement and publicity

yeepe SJeb yeQke eYeej

12 Interest & bank Charges

122

53 rd Annual Report

efJeJejCe
Particulars

Demebye JeJemeee

mebye JeJemeee

kegue (eeuet Je<e&)

kegue (eeuet Je<e&)

Non-linked Business

Linked Business

Total (Current Year)

Total (Previous Year)

menYeeieer

iewj-menYeeieer

iewj-menYeeieer

menYeeieer

iewj-menYeeieer

menYeeieer

iewj-menYeeieerr

Participating

Non-Participating

Non-Participating

Participating

Non-Participating

Participating

Non-Participating

1 Allowances and commission

(other than commission to 156342.98
insurance agents)

1976.36

28893.00

156342.98

30869.36

103561.43

26641.65

5877.38

50.48

0.00

5877.38

50.48

6581.85

28.29

8582.39

1114.96

1012.83

8582.39

2127.79

7270.94

1534.95

607.18

8.79

88.19

607.18

96.98

563.84

71.97

12446.83

503.47

3736.65

12446.83

4240.12

11463.31

3369.84

1277.99

25.57

381.62

1277.99

407.19

305.52

88.68

25822.41

760.74

14415.02

25822.41

15175.76

19081.76

10921.33

(40.49)

(0.62)

0.00

(40.49)

(0.62)

41.77

0.64

14892.71

485.36

4436.10

14892.71

4921.46

15094.98

3854.77

932960.54

29199.04

262422.84

932960.54

291621.88

701378.41

205050.33

930802.00

29166.17

262422.84

930802.00

291589.01

699060.93

205008.40

2158.54

32.87

0.00

2158.54

32.87

2317.48

41.93

932960.54

29199.04

262422.84

932960.54

291621.88

701378.41

205050.33

Deve
13 Others

Yees Deewj keceerMeve (yeercee SpebeW

kes keceerMeve kes DeueeJee)

efveJesMe mebHeeerHej Jee

2 Expense on Invt. Property

Heeefuemeer m@cHe
3 Policy stamps

HeeJeleer m@cHe
4 Receipt stamps

efyepeueer eYeej
5 Electricity charges

ceeie&mle jeske[ leLee

Deve yeercee eerefceece
6 Cash in transit and other
insurance premia

efJeefJeOe Jee
7 Miscellaneous expenses

cegKe keeee&uee Jee

8 Head Office expenses

cetueeme
14 Depreciation

kegue
TOTAL

Heefjeeueve Jee
OPERATING EXPENSES

Yeejle ceW
In India

Yeejle kes yeenj

Outside India

kegue heefjeeueve Jee

TOTAL OPERATING EXPENSES

123

53

Devegmeteer

4 Deoe efkeee ieee ueeYe (Meg) : 31.03.2010

SCHEDULE

4 BENEFITS PAID (NET) : 31.03.2010

iewj-mebye JeJemeee

efJeJejCe
Particulars

Non-linked Business

menYeeieer
Participating

iewj-menYeeieer

( ` ueeKeeW ceW)
( ` in lac)

mebye JeJemeee

kegue (eeuet Je<e&)

kegue (efheues Je<e&)

Linked Business

Total (Current Year)

Total (Previous Year)

iewj-menYeeieer

Non-Participating Non-Participating

iewj-menYeeieer

menYeeieer

iewj-menYeeieer

Participating Non-Participating

menYeeieer

Participating

Non-Participating

yeercee oeJeW
1 Insurance Claims

(ke) ce=leg oeJeW

(a) Claims by Death

512172.75

122409.35

58536.72

512172.75

180946.07

450694.98

136132.64

4418117.19

178290.36

8654.23

4418117.19

186944.59

3282613.77

126277.80

9104592.09

272461.41

0.00

104592.09

272461.41

95079.62

186148.36

379214.13

747734.63

1112541.49

379214.13

1860276.12

388992.03

583234.64

135.63

0.00

0.00

135.63

0.00

145.94

0.00

0.00

0.00

179.32

0.00

179.32

0.00

28.88

0.00

0.00

224.24

0.00

224.24

0.00

19.60

820.44

68.29

0.00

820.44

68.29

776.47

66.41

2180.46

899.72

0.00

2180.46

899.72

1568.77

833.14

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

43.64

0.00

43.64

0.00

35.35

38.89

(1.50)

0.00

38.89

(1.50)

39.99

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

5412910.66

1320062.82

1180092.36

5412910.66

2500155.18

4216774.03

1031039.84

5400331.70

1320045.96

1180062.31

5400331.70

2500108.27

4203316.99

1030954.48

12578.96

16.86

30.05

12578.96

46.91

13457.04

85.36

5412910.66

1320062.82

1180092.36

5412910.66

2500155.18

4216774.03

1031039.84

(Ke) HeefjHekeJelee oeJeW

(b) Claims by Maturity

(ie) Jeeef<e&efkeeeB/HesvMeve
Yegieleeve
(c) Annuities/Pensions in
payment

(Ie) Deve ueeYe

(d) Other benefits

DeYeHe&Ce
(i)

Surrenders

vekeo yeesveme
(ii) Bonuses in cash

DemHeleeue Yeleea ueeYe

(iii) Hospitalisation Benefits

ye[s Meue ueeYe

(iv) Major Surgical Benefits

Deve oeJee ueeiele

(iii) Other Claims Cost

(Hegve&yeercee ceW Debleefjle jeefMe)

2 (Amount ceded in reinsurance):

(ke) ce=leg oeJeW

(a) Claims by Death

(Ke) HeefjHekeJelee oeJeW

(b) Claims by Maturity

(ie) Jeeef<e&efkeeeB/HesvMeve Yegieleeve

(c) Annuities/Pensions in payment

(Ie) Deve ueeYe

(d) Other benefits

Hegve&yeercee ceW mJeerke=le jeefMe

3 Amount accepted in reinsurance:

(ke) ce=let oeJeW

(a) Claims by Death

(ye) HeefjHekeJelee oeJeW

(b) Claims by Maturity

(ie) Jeeef<e&efkeeeB / HesvMeve Yegieleeve

(c) Annuities/Pensions in payment

(Ie) Deve ueeYe

(d) Other benefits

kegue
TOTAL

oeJesoejeW kees Deoe efkeee

ieee ueeYe
BENEFITS PAID TO
CLAIMANTS:

Yeejle ceW
In India

Yeejle kes yeenj

Outside India

kegue Deoe efkeee ieee ueeYe (Meg)

TOTAL BENEFITS PAID (NET)

124

53 rd Annual Report

Devegmeteer

Mesej HetBpeer 31.03.2010

SCHEDULE

5 SHARE CAPITAL: 31.03.2010

efJeJejCe
Particulars

( ` ueeKeeW ceW)
( ` in lac)

iewj-mebye JeJemeee

mebye JeJemeee

kegue eeuet Je<e&

kegue efheues Je<e&

Non-linked
Business

Linked
Business

Total Current
Year

Total Previous
Year

500.00

0.00

500.00

500.00

500.00

0.00

500.00

500.00

500.00

0.00

500.00

500.00

0.00

0.00

0.00

0.00

500.00

0.00

500.00

500.00

DeefYeoe HetBpeer
(peerJeve yeercee efveiece DeefOeefveece 1956 kes KeC[ 5 kes lenle kesvere
mejkeej eje eoe)
Subscribed Capital
(Provided by the Central Government in terms of
Section 5 of the Life Insurance Corporation Act,1956)

kegue
TOTAL

Mesej hetBpeer
SHARE CAPITAL

Yeejle ceW
In India

Yeejle kes yeenj

Out of India

kegue
TOTAL

125

53

Devegmeteer

6 - Deejef#ele efveefOe SJeb DeefOees<e (MesejOeejkeeW kes) : 31.03.2010

SCHEDULE

6 RESERVES AND SURPLUS (SHAREHOLDERS) : 31.03.2010

efJeJejCe
Particulars

( ` ueeKeeW ceW)
( ` in lac)

iewj-mebye JeJemeee

mebye JeJemeee

kegue eeuet Je<e&

kegue efHeues Je<e&

Non-linked
Business

Linked
Business

Total Current
Year

Total Previous
Year

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

33107.91

0.00

33107.91

30284.60

2979.41

0.00

2979.41

2823.31

0.00

0.00

0.00

0.00

36087.32

0.00

36087.32

33107.91

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

36087.32

0.00

36087.32

33107.91

23083.64

0.00

23083.64

20135.57

13003.68

0.00

13003.68

12972.34

36087.32

0.00

36087.32

33107.91

HetBpeer Deejef#ele efveefOe

1

Capital Reserve

HetBpeer ceeseve Deejef#ele efveefOe

2

Capital Redemption Reserve

Mesej Heerefceece
3

Share Premium

Hegve&cetueebkeve Deejef#ele efveefOe

4

Revaluation Reserve

HeejbefYeke Mes<e
Opening Balance

Je<e& kes oewjeve eesie

Additions during the year

Je<e& kes oewjeve keewefleeeB

Deductions during the year

Fefle Mes<e
Closing Balance

meeceeve Deejef#ele efveefOe

5

General Reserves

HeejbefYeke Mes<e
Opening Balance

Je<e& kes oewjeve eesie

Additions during the year

Je<e& kes oewjeve keewefleeeB

Deductions during the year

Fefle Mes<e
Closing Balance

IeeFS : ueeYe-neefve uesKessb cebs veecebs DeefOeMes<e, eefo keesF& nes

Less : Debit balance in Profit and Loss Account, if any

IeeFS : Hegve&Kejero kes efueS Heegkele jeefMe

Less : Amount utilized for Buy-back

DeeHeelekeeueerve Deejef#ele efveefOe

6

Catastrophe Reserve

Deve Deejef#ele efveefOe

7

Other Reserves

ueeYe - neefve uesKeW cesW Mes<e ueeYe

8

Balance of profit in Profit and Loss Account

kegue
TOTAL

Deejef#ele efveefOe SJeb DeefOeMes<e (MesejOeejkeeW kes)

RESERVES AND SURPLUS (SHAREHOLDERS)

Yeejle cesW
In India

Yeejle kes yeenj

Outside India

kegue
TOTAL

126

53 rd Annual Report

Devegmeteer

6ke - yeercee Deejef#ele efveefOe (HeeefuemeerOeejkeeW kes) : 31.03.2010

SCHEDULE

6A

( `ueeKeeW ceW)

INSURANCE RESERVES (POLICYHOLDERS) : 31.03.2010

efJeJejCe
Particulars

( ` in lac)

iewj-mebye JeJemeee

mebye JeJemeee

kegue eeuet Je<e&

kegue efheues Je<e& &

Non-linked
Business

Linked
Business

Total Current
Year

Total Previous
Year

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

353613.79

0.00

353613.79

353163.68

0.00

0.00

0.00

450.11

(180.64)

0.00

(180.64)

0.00

353433.15

0.00

353433.15

353613.79

41.74

0.00

41.74

41.74

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

41.74

0.00

41.74

41.74

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

17052.77

0.00

17052.77

17052.77

(4071.01)

0.00

(4071.01)

(6416.36)

0.00

0.00

0.00

0.00

366456.65

0.00

366456.65

364291.94

366409.43

0.00

366409.43

366396.34

47.22

0.00

47.22

(2104.40)

366456.65

0.00

366456.65

364291.94

HetBpeer Deejef#ele efveefOe

1

Capital Reserve

HetBpeer ceeseve Deejef#ele efveefOe

2

Capital Redemption Reserve

Mesej Heerefceece
3

Share Premium

Hegvecet&ueebkeve Deejef#ele efveefOe

4

Revaluation Reserve

HeejbefYeke Mes<e
Opening Balance

Je<e& kes oewjeve eesie

Additions during the year

Je<e& kes oewjeve keewefleeeB

Deductions during the year

Fefle Mes<e
Closing Balance

meeceeve Deejef#ele efveefOe

5

General Reserves

HeejbefYeke Mes<e
Opening Balance

Je<e& kes oewjeve eesie

Additions during the year

Je<e& kes oewjeve keewefleeeB

Deductions during the year

Fefle Mes<e
Closing Balance

IeeFS : ueeYe-neefve uesKessb cebs veecebs DeefOeMes<e, eefo keesF& nes

Less : Debit balance in Profit and Loss Account, if any

IeeFS : Hegve&Kejero kes efueS Heegkele jeefMe

Less : Amount utilized for Buy-back

mecekejCe Deejef#ele efveefOe

6

Equalisation Reserve

HeejbefYeke Mes<e
Opening Balance

Je<e& kes oewjeve eesie

Additions during the year

Je<e& kes oewjeve keewefleeeB

Deductions during the year

Deble Mes<e
Closing Balance

DeeHeelekeeueerve Deejef#ele efveefOe

7

Catastrophe Reserve

Deve Deejef#ele efveefOe

8

Other Reserves
(i) efveJesMe Deejef#ele efveefOe
(i) Investment Reserve
(ii) efJeefvecee Gleej e{eJe Deejef#ele efveefOe
(ii) Exchange Fluctuation Reserve

ueeYe - neefve uesKeW cesW Mes<e ueeYe

9

Balance of profit in Profit and Loss Account

kegue
TOTAL

yeercee Deejef#ele efveefOe (heeefuemeerOeejkeeW kes)

INSURANCE RESERVES (POLICYHOLDERS)

Yeejle ceW
In India

Yeejle kes yeenj

Outside India

kegue
TOTAL

127

53

Devegmeteer

7 - GOeejer: 31.03.2010

SCHEDULE

7 BORROWINGS: 31.03.2010

efJeJejCe
Particulars

( ` ueeKeesW cesW)
( ` in lac)

iewj-mebye JeJemeee

mebye JeJemeee

kegue eeuet Je<e&

kegue efHeues Je<e&

Non-linked
Business

Linked
Business

Total Current
Year

Total Previous
Year

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

$eCe-He$e / yevOeHe$e
1

Debentures/Bonds

yewQke
2

Banks

efJelleere mebmLeeve
3

Financial Institutions

Deve
4

Others

kegue
TOTAL

GOeejer
BORROWINGS

Yeejle ceW
In India

Yeejle kes yeenj

Outside India

kegue
TOTAL

128

53 rd Annual Report

8 - efveJese (esejOeejkeeW kes): 31.03.2010

8 INVESTMENTS (SHAREHOLDERS) : 31.03.2010

Devegmeteer
SCHEDULE

efJeJejCe

( ` ueeKeesW cesW)
( ` in lac)

iewj-mebye JeJemeee

mebye JeJemeee

kegue eeuet Je<e&

kegue efHeues Je<e&

Non-linked
Business

Linked
Business

Total Current
Year

Total Previous
Year

21511.42

0.00

21511.42

18920.65

0.00

0.00

0.00

0.00

2493.23

0.00

2493.23

2092.54

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

186.93

0.00

186.93

252.52

10684.69

0.00

10684.69

10684.69

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

500.00

0.00

500.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

Particulars

oerIee&JeefOe efveJesMe
LONG TERM INVESTMENTS

Kepeeves keer efyeueesW meefnle mejkeejer HeefleYetefleeeB leLee ieejbefle yevOe-He$e

1

Government securities and Government guaranteed bonds

including Treasury Bills

Deve Devegceesefole HeefleYetefleeeB

2

Other Approved Securities

Deve efveJesMe
3

Other Investments

(ke) Mesej
(a) Shares

(keke) FefkeJeer
(aa) Equity

(KeKe) DeefOeceeveer
(bb)

Preference

(Ke) meneesie efveefOe

(b) Mutual Funds

(ie) JeglHevve HeHe$e

(c) Derivative Instruments

(Ie) $eCe-He$e / yebOe-He$e

(d) Debentures/Bonds

(*) Deve HeefleYetefleeeB

(e)

Other Securities

(e) meneeke/menYeeieer/mebegkele Gece

(f)

Subsidiaries/Associates/Joint Ventures

() efveJesMe mebHeeflleeeB - mebHeoe

(g) Investment Properties - Real Estate

yegefveeeoer megefJeOeeDeeW leLee meeceeefpeke #es$e cesb efveJesMe

4

Investments in Infrastructure and Social Sector

Devegceesefole efveJesMeesW kes Deefleefjkele Deve efveJesMe

5

Other than Approved Investments

DeuHeeJeefOe efveJesMe
SHORT TERM INVESTMENTS

Kepeeveskeer efyeueesWmeefnle mejkeejer HeefleYetefleeeB leLee mejkeejer ieejbefle yevOe He$e

1

Government securities and Government guaranteed bonds

including Treasury Bills

Deve Devegceesefole HeefleYetefleeeB

2

Other Approved Securities

Deve efveJesMe
3

Other Investments

(ke) Mesej
(a) Shares

(keke) FefkeJeer
(aa)

Equity

(KeKe)DeefOeceeveer
(bb)

Preference

(Ke) meneesie efveefOe

(b) Mutual Funds

(ie) Jeglhevve ehe$e

(c) Derivative Instruments

129

53

efJeJejCe
Particulars

iewj-mebye JeJemeee

mebye JeJemeee

kegue eeuet Je<e&

kegue efHeues Je<e&

Non-linked
Business

Linked
Business

Total Current
Year

Total Previous
Year

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

35376.27

0.00

35376.27

31950.40

23798.35

0.00

23798.35

20773.17

11577.92

0.00

11577.92

11177.23

35376.27

0.00

35376.27

31950.40

(Ie) $eCe-He$e / yevOe-He$e

(d) Debentures/Bonds

(*) Deve HeefleYetefleeeB

(e) Other Securities

(e) meneeke
(f)

Subsidiaries

() efveJesMe mebHeefeeeB - mebHeoe

(g) Investment properties - Real Estate

yegefveeeoer megefJeOeeDeeW leLee meeceeefpeke #es$e cesb efveJesMe

4

Investments in Infrastructure and Social Sector

Devegceesefole efveJesMeesW kes Deefleefjkele Deve efveJesMe

5

Other than Approved Investments

kegue
TOTAL

efveJesMe (MesejOeejkeeW kes)

INVESTMENTS (SHAREHOLDERS')

Yeejle cesW
In India

Yeejle kes yeenj

Outside India

kegue
TOTAL

(` ueeKeeW ceW)
efHHeCeer : efveJesMe :
kesveFbef[ee SMeesjsvme
peer. yeer. efve (vesHeeue) efueefces[
peer. yeer. efve. (Deblejjeeq^e) yeerSmemeer (meer) yenjsve
peer. yeer. efve (uebkee) efueefces[
peer. yeer. efve (ceeefjMeme) Dee@HeMeesDej efueefces[
Sme. DeeF&. meer. meer. DeeF&.
peer. yeer. efve HesvMeve Heb[ efueefces[
peer. yeer. efve kee[&me meefJe&mesme efueefces[

130

NOTE : Investments in :
Kennindia Assurance
LIC (Nepal) Ltd.
LIC (International) BSC (c), Bahrain
LIC (Lanka) Ltd.
LIC (Mauritius) Offshore Ltd
SICCI
LIC Pension Fund Ltd.
LIC Cards Services Ltd.

(` in lac)
78.15
861.59
5929.27
834.25
177.02
1204.41
1500.00
100.00

53 rd Annual Report

Devegmeteer

8ke - efveJese (HeeefuemeerOeejkeeW kes) : 31.03.2010

SCHEDULE

8A

( ` ueeKeesW cesW)

INVESTMENTS (POLICYHOLDERS) : 31.03.2010

efJeJejCe

( ` in lac)

iewj-mebye JeJemeee

mebye JeJemeee

kegue eeuet Je<e&

kegue efHeues Je<e&

Non-linked
Business

Linked
Business

Total Current
Year

Total Previous
Year

43743763.59

0.00

43743763.59

37590882.65

2392168.35

0.00

2392168.35

2215360.48

18035859.95

0.00

18035859.95

8377376.70

4081.48

0.00

4081.48

55563.61

0.00

0.00

0.00

100036.03

0.00

0.00

0.00

0.00

8971027.88

0.00

8971027.88

4873690.65

0.00

0.00

0.00

0.00

15540.00

0.00

15540.00

15540.00

15312.20

0.00

15312.20

18200.01

22883.39

0.00

22883.39

30923.75

308901.08

0.00

308901.08

84444.45

413689.44

0.00

413689.44

412593.17

5526417.34

0.00

5526417.34

3701677.67

3050341.29

0.00

3050341.29

5970410.38

(167919.29)

0.00

(167919.29)

(173956.69)

450016.03

0.00

450016.03

352315.85

28000.45

0.00

28000.45

23722.57

Particulars

oerIee&JeefOe efveJesMe
LONG TERM INVESTMENTS

Kepeeves keer efyeueesW meefnle mejkeejer HeefleYetefleeeB leLee mejkeejer ieejbefle yevOe-He$e
1

Government securities and Government guaranteed bonds

including Treasury Bills

Deve Devegceesefole HeefleYetefleeeB

2
3

Other Approved Securities

(ke) Mesej
(a) Shares

(keke) FefkeJeer
(aa) Equity

(KeKe) DeefOeceeveer
(bb) Preference

(Ke) meneesie efveefOe

(b) Mutual Funds

(ie) JeglHevve HeHe$e

(c)

Derivative Instruments

(Ie) $eCe-He$e / yebOe-He$e

(d) Debentures/Bonds

(*) Deve HeefleYetefleeeB

(e) Other Securities

Yeejle mejkeej kes meeLe efJeMes<e pecee

Special Deposit with Government of India

meeceeefpeke megj#ee efveefOe kes meeLe pecee

Deposits with Social Security Fund

Deve HeefleYetefleeeB leLee yevOe-He$e

Other Securities & Bonds
et.er.DeeF&.II kes HetBpeer ceW eejbefYeke DebMeoeve
Initial Contribution to UTI II Capital

(e) meneeke/menYeeieer/mebegkele Gece

(f)

Subsidiaries/Associates/Joint

Ventures

() efveJesMe mebHeeflleeeB - mebHeoe

(g) Investment Properties - Real Estate

yegefveeeoer megefJeOeeDeeW leLee meeceeefpeke #es$e cesb efveJesMe

4

Investments in Infrastructure and Social Sector

Devegceesefole efveJesMeesW kes Deefleefjkele Deve efveJesMe

5

Other than Approved Investments

mebefoiOe efveJesMeeW kes efueS HeeJeOeeve

Provision for Doubtful Investments

DeuHeeJeefOe efveJesMe
SHORT TERM INVESTMENTS

Kepeeves keer efyeueesWmeefnle mejkeejer HeefleYetefleeeB leLee mejkeejer ieejbefle yevOe He$e
1

Government securities and Government guaranteed bonds

including Treasury Bills

Deve Devegceesefole HeefleYetefleeeB

2

Other Approved Securities

131

53

efJeJejCe
Particulars

iewj-mebye JeJemeee

mebye JeJemeee

kegue eeuet Je<e&

kegue efheues Je<e&&

Non-linked
Business

Linked
Business

Total Current
Year

Total Previous
Year

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

110015.96

0.00

110015.96

0.00

0.00

0.00

0.00

0.00

271474.27

0.00

271474.27

48987.87

7827.10

0.00

7827.10

6682.37

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

50972.24

0.00

50972.24

23941.38

53753.95

0.00

53753.95

167777.49

0.00

0.00

0.00

0.00

83304126.70

0.00

83304126.70

63896170.39

83200572.10

0.00

83200572.10

63795207.07

103554.60

0.00

103554.60

100963.32

83304126.70

0.00

83304126.70

63896170.39

(ke) Mesej
3

(a) Shares

(keke) FefkeJeer
(aa)

Equity

(KeKe)DeefOeceeveer
(bb)

Preference

(Ke) meneesie efveefOe

(b) Mutual Funds

(ie) JeglHevve HeHe$e

(c)

Derivative Instruments

(Ie) $eCe - He$e / yebOe - He$e

(d) Debentures/Bonds

(*) Deve HeefleYetefleeeB

(e) Other Securities

JeeJemeeefeke HesHej
Commercial Papers

Yeejle mejkeej kes meeLe efJeMes<e pecee

Special Deposit with Government of India

(e) meneeke
(f)

Subsidiaries

() efveJesMe mebHeeflleeeB - mebHeoe

(g) Investments Properties-Real Estate

yegefveeeoer megefJeOeeDeeW leLee meeceeefpeke #es$e cesb efveJesMe

4

Investments in Infrastructure and Social Sector

Devegceesefole efveJesMeesW kes Deefleefjkele Deve efveJesMe

5

Other than Approved Investments

mebefoiOe leLee GHeceeveke HeefjmecHeeflleeeW kes efueS HeeJeOeeve

6

Provision for Doubtful and substandard assets

kegue
TOTAL

efveJesMe (heeefuemeerOeejkeeW kes)

INVESTMENTS (POLICYHOLDERS')

Yeejle cesW
1

In India

Yeejle kes yeenj

2

Outside India

kegue
TOTAL

(` ueeKeeW ceW)
efHHeCeer : efveJesMe :

NOTE : Investments in :
Jeevan Bima Sahayog Asset Management Co. Ltd.
LIC Housing Finance Ltd
LIC (International) BSC(c) Bahrain
LIC Mutual Fund Initial Contribution.
LIC Mutual Fund Trustee Co
LIC (Lanka) Ltd

132

(` in lac)
495.00
302327.62
5577.97
200.00
0.49
300.00

53 rd Annual Report

: 31.03.2010
ASSETS HELD TO COVER LINKED LIABILITIES : 31.03.2010

Devegmeteer

8Ke - mebye oeefelJe jef#ele kejves kes efueS HeefjmecHeefeeeB

SCHEDULE

8B

efJeJejCe
Particulars

( ` ueeKeesW cesW)
( ` in lac)

iewj-mebye JeJemeee

mebye JeJemeee

kegue eeuet Je<e&

kegue efheues Je<e&&

Non-linked
Business

Linked
Business

Total Current
Year

Total Previous
Year

0.00

2980283.16

2980283.16

2182027.40

0.00

526263.07

526263.07

548389.25

0.00

11054027.52

11054027.52

4318705.60

0.00

0.00

0.00

5728.90

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

468568.81

468568.81

586812.43

0.00

15.59

15.59

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

531547.02

531547.02

0.00

0.00

1200056.35

1200056.35

942329.54

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

oerIee&JeefOe efveJesMe
LONG TERM INVESTMENTS

Kepeeves keer efyeueeW meefnle mejkeejer eefleYetefleeeB leLee mejkeejer ieejbefle yevOe-he$e
1

Government securities and Government guaranteed bonds

including Treasury Bills

Deve Devegceesefole eefleYetefleeeB

2

Other Approved Securities

(ke) Mesej
3

(a) Shares

(keke) FefkeJeer
(aa) Equity

(KeKe) DeefOeceeveer
(bb) Preference

(Ke) meneesie efveefOe

(b) Mutual Funds

(ie) Jeglhevve ehe$e

(c)

Derivative Instruments

(Ie) $e+Ce-he$e / yevOe-he$e

(d) Debentures/Bonds

(*) Deve eefleYetefleeeB

(e) Other Securities

(e) meneeke
(f)

Subsidiaries

() efveJesMe mebheefeeeB - mebheoe

(g) Investment Properties - Real Estate

yegefveeeoer megefJeOeeDeeW leLee meeceeefpeke #es$e ceW efveJesMe

4

Investments in Infrastructure and Social Sector

Devegceesefole efveJesMeeW kes Deefleefjkele Deve efveJesMe

5

Other than Approved Investments

DeuheeJeefOe efveJesMe
SHORT TERM INVESTMENTS

Kepeeves keer efyeueeWmeefnle mejkeejer eefleYetefleeeB leLee mejkeejer ieejbefle yevOe-he$e

1

Government securities and Government guaranteed bonds

including Treasury Bills

Other Approved Securities

Deve Devegceesefole eefleYetefleeeB

(ke) Mesej
3

(a) Shares

(keke) FefkeJeer
(aa)

Equity

(KeKe) DeefOeceeveer
(bb)

Preference

133

53

efJeJejCe
Particulars

iewj-mebye JeJemeee

mebye JeJemeee

kegue eeuet Je<e&

kegue efHeues Je<e&

Non-linked
Business

Linked
Business

Total Current
Year

Total Previous
Year

0.00

785688.85

785688.85

571787.25

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

515856.58

515856.58

895505.46

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

67206.48

67206.48

73200.81

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7400.11

7400.11

793.11

0.00

40042.57

40042.57

4640.52

0.00

0.01

0.01

0.01

0.00

9998.35

9998.35

82134.05

0.00

119446.22

119446.22

97800.99

0.00

244093.74

244093.74

258569.49

(Ke) meneesie efveefOe

(b) Mutual Funds

(ie) JeglHevve HeHe$e

(c)

Derivative Instruments

(Ie) $eCe - He$e / yebOe - He$e

(d)

Debentures/Bonds

(*) Deve Heelf eYetelf eeeB

(e) Other Securities

(e) meneeke
(f)

Subsidiaries

() efveJesMe mebHeeflleeeB - mebHeoe

(g) Investments Properties- Real Estate

yegefveeeoer megefJeOeeDeeW leLee meeceeefpeke #es$e cesb efveJesMe

4

Investments in Infrastructure and Social Sector

Devegceesefole efveJesMeesW kes Deefleefjkele Deve efveJesMe

5

Other than Approved Investments

eeuet HeefjmecHeefeeeB
6

Current Assets

jeske[ SJeb yeQke ceW DeefleMes<e

Cash and Bank Balance

jeske[
Cash

yeQke ceW DeefleMes<e (pecee)

Bank Balance (Deposits)

pecee
(a) Deposits

(keke) DeuHeeJeefOe
(aa) Short term

(KeKe) Deve
(bb) Others

eeuet Keelee
(b) Current Account

Deve
(c) Others

Deefece
7

Advances

Deoe efkeee ieee Deefece kej SJeb m$eesle hej kej keewleer
Advance Tax paid and Tax Deducted at source

Deve Deefece
Other Advances

efveJesMeeWhej yekeeee / eesoYetle Deee

Income Outstanding/Accrued on Investment

kegue (ke)-eeuet HeefjmecHeefeeeB

Total (A)-Current Assets

134

53 rd Annual Report

efJeJejCe
Particulars

iewj-mebye JeJemeee

mebye JeJemeee

kegue eeuet Je<e&

kegue efHeues Je<e&

Non-linked
Business

Linked
Business

Total Current
Year

Total Previous
Year

0.00

53247.51

53247.51

23734.41

0.00

22034.48

22034.48

3189.31

0.00

7727.99

7727.99

3062.17

0.00

(7763.87)

(7763.87)

619.72

0.00

1198636.95

1198636.95

1238220.42

0.00

0.00

0.00

0.00

0.00

1273883.06

1273883.06

1268826.03

0.00

(1029789.32)

(1029789.32)

(1010256.54)

0.00

17032517.63

17032517.63

9041029.29

0.00

17031702.19

17031702.19

9040448.10

0.00

815.44

815.44

581.19

0.00

17032517.63

17032517.63

9041029.29

eeuet oeefelJe
8

Current Liabilities

Hetkej uesveoej
Sundry Creditors

yekeeee oeJeW
Claims Outstanding

yekeeee keceerMeve
Outstanding Commission

eerefceece leLee Deve pecee jeefMeeeB

Premium and Other Deposits

peerJeve eYeeie eeuet Keelee

Life Department Current Account

eeJeOeeve
9

Provisions

DeeJeMeke MeesOe#ecelee meercee kes efueS eeJeOeeve

Provision for Required Solvency Margin

kegue (Ke)-eeuet oeefelJe

TOTAL (B)-Current Liabilities

Meg eeuet HeefjmecHeefeeeB (ke-Ke)

Net Current Assets (A-B)

kegue
TOTAL

efveJesMe
INVESTMENTS

Yeejle cesW
1

In India

Yeejle kes yeenj

2

Outside India

kegue
TOTAL

135

53

Devegmeteer

9 - $eCe : 31.03.2010

( ` ueeKeesW cesW)

SCHEDULE

9 LOANS : 31.03.2010

( ` in lacs)

efJeJejCe
Particulars

iewj-mebye JeJemeee

mebye JeJemeee

kegue eeuet Je<e&

kegue efHeues Je<e&

Non-linked
Business

Linked
Business

Total Current
Year

Total Previous
Year

2430268.44

0.00

2430268.44

2276920.75

3447.12

0.00

3447.12

4007.43

0.00

0.00

0.00

0.00

3770834.25

0.00

3770834.25

3397007.58

1638845.63

0.00

1638845.63

1747574.60

117335.30

0.00

117335.30

125339.71

7.20

0.00

7.20

7.20

0.00

0.00

0.00

0.00

560338.97

0.00

560338.97

729175.77

(221368.17)

0.00

(221368.17)

(332321.49)

8299708.74

0.00

8299708.74

7947711.55

733284.39

0.00

733284.39

1304056.12

298409.91

0.00

298409.91

454823.85

0.00

0.00

0.00

0.00

1188899.90

0.00

1188899.90

849939.18

3770834.25

0.00

3770834.25

3397007.58

164747.09

0.00

164747.09

167773.10

14904.31

0.00

14904.31

16184.48

0.00

0.00

0.00

10.25

1357281.14

0.00

1357281.14

879751.40

eefleYetefleJeej JeieeakejCe
1

SECURITY-WISE CLASSIFICATION

jef#ele
Secured

(ke) mebHeefe kes yebOeke jKeves Hej

(a) On mortgage of property

(keke) Yeejle cesW

(aa) In India

(KeKe) Yeejle kes yeenj

(bb) Outside India

(Ke) Mesejessb, yebOeHe$eesb, mejkeejer HeefleYetefleeeB Deeefo Hej

(b) On Shares, Bonds, Govt. Securities, etc.

(ie) HeeefueefmeeesW Hej $eCe

(c) Loans against Policies

(Ie) Deve
(d) Others

mejkeejJoeje ieejbefle
Guaranteed by Government

efiejJeer
Hypothecation

DesSveHe Deefiece
ANF Advances

Deve $e+Ce
Other loans

Deejef#ele $e+Ce
Unsecured Loans

mebefoiOe $eCeesb kes efueS HeeJeOeeve

Provision for Doubtful Loans

kegue
TOTAL

GOeejkelee&Jeej JeieeakejCe
2

BORROWER-WISE CLASSIFICATION

(ke) kesbo leLee jepe mejkeejsb

(a) Central and State Governments

(Ke) yewQke leLee efJeeere mebmLeeve

(b) Banks and Financial Institutions

(ie) meneeke
(c)

Subsidiaries

(Ie) kebHeefveeeB
(d) Companies

(*) HeeefueefmeeesW Hej $eCe

(e) Loans against policies

(e) Deve
(f)

Others

yebOeke mebHeefe
Mortgage Property

ceneveiejHeeefuekeeSB
Municipalities

efpeuee Heefj<eo
Zilla Parishads

jepe efJeegleceb[ue / Tpee& GlHeeoke

State Electricity Boards/ Power Generators

136

53 rd Annual Report

efJeJejCe
Particulars

iewj-mebye JeJemeee

mebye JeJemeee

kegue eeuet Je<e&

kegue efHeues Je<e&

Non-linked
Business

Linked
Business

Total Current
Year

Total Previous
Year

14742.31

0.00

14742.31

14364.75

48.42

0.00

48.42

59.59

43.36

0.00

43.36

43.36

106305.57

0.00

106305.57

139824.66

214711.47

0.00

214711.47

231923.66

656855.21

0.00

656855.21

824261.50

7.20

0.00

7.20

7.20

0.00

0.00

0.00

2.36

2.38

0.00

2.38

0.00

(221368.17)

0.00

(221368.17)

(332321.49)

8299708.74

0.00

8299708.74

7947711.55

8306906.50

0.00

8306906.50

7901941.89

10640.57

0.00

10640.57

11728.74

(49660.58)

0.00

(49660.58)

(47114.59)

203529.84

0.00

203529.84

366362.41

0.00

0.00

0.00

0.00

(171707.59)

0.00

(171707.59)

(285206.90)

8299708.74

0.00

8299708.74

7947711.55

180957.96

0.00

180957.96

101619.83

408.72

0.00

408.72

450.01

8108532.78

0.00

8108532.78

7834841.55

9809.28

0.00

9809.28

10800.16

8299708.74

0.00

8299708.74

7947711.55

jepe me[ke HeefjJenve efveiece

State Road Transport Corporation

menkeejer Deeweesefieke mebHeoe

Co-operative Industrial Estates

Mekekej menkeeefjleeSB
Sugar Co-operatives

menkeejer DeeJeeme mebmLeeSB

Housing Co-op Societies

efmebeve #es$e
Irrigation Sector

[yuet.Sme.yeer., Sme.SHe.meer.,Heer.er.Deej., Dees.er.Se., Sue.[er.yeer., F&leeoer

WSB, SFC, PTR, OTH, LDB Etc.

S.Sve.SHe. Deefiece
ANF Advances

Jeefkeleiele HeefleYetefleHej $eCe

Loans on Personal Security

Deve $eCe
Other Loans

DeMeesOe leLee mebefodiOe $eCeeW kes efueS HeeJeOeeve

Provision for bad and doubtful debts

kegue
TOTAL

efve<HeeoveJeej Jeieea&kejCe
3

PERFORMANCE-WISE CLASSIFICATION

(ke) Jeieerake=le ceeveke $eCe

(a) Loans classified as standard

(keke) Yeejle cesW

(aa) In India

(KeKe) Yeejle kes yeenj

(bb) Outside India

Jeieerake=le ceeveke $eCe efueS HeeJeOeeve

Provision for Standard Loans

iewj ceeveke $eCeesWmes HeeJeOeeve IeeFS

(b) Non-standard loans less provisions

(keke) Yeejle cesW

(aa) In India

(KeKe) Yeejle kes yeenj

(bb) Outside India

ceeveke $eCeesWmes HeeJeOeeve IeeFS

Provision for Non-Standard loans

kegue
TOTAL

HeefjHekeJeleeJeej JeieerakejCe
4

MATURITY-WISE CLASSIFICIATION
(ke) DeuHeeJeefOe Yeejle cesW
(a) Short Term In India
Yeejle kes yeenj
Outside India

(Ke) oerIee&JeefOe
(b) Long Term

Yeejle cesW
In India

Yeejle kes yeenj

Outside India

kegue
TOTAL

137

53

Devegmeteer

10 - Deeue HeefjmebHeefeeeB : 31.03.2010

SCHEDULE

10

FIXED ASSETS : 31.03.2010

iewj-mebye JeJemeee
ueeiele /kegue yueeke
Cost/Gross Block

efJeJejCe
Particulars

HeejbefYeke

pees[

keewefleeeB

Debeflece

Opening

Additions

Deductions

Closing

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

96072.65

1604.88

15112.39

82565.14

35815.29

13765.05

81.38

49498.96

134311.22

15778.03

7512.12

142577.13

32773.98

4029.79

1329.20

35474.57

81781.83

17214.37

6287.71

92708.49

31294.70

12112.10

8301.90

35104.90

5515.17

340.16

281.42

5573.91

1122.82

30.42

17.87

1135.37

514.95

23.15

42.70

495.40

29.33

3.08

2.29

30.12

81.82

1.14

3.23

79.73

3248.44

300.25

199.70

3348.99

2127.07

166.92

98.53

2195.46

7.14

0.23

0.07

7.30

8376.42

1123.58

344.34

9155.66

60.82

5.38

3.53

62.67

0.00

0.00

0.00

0.00

433133.65

66498.53

39618.38

460013.80

333021.16

128135.39

28022.90

433133.65

ieg[efJeue
Goodwill

Deele#e
Intangibles

Yetefce - HetCe& mebHeoe

Land-Freehold

He Yetefce
Land-Leasehold

YeJeve
Buildings

Heveeaej SJeb efHeefbime

Furniture & Fittings

metevee Heeeesefiekeer GHemkej

Information Technology Equipment

Jeenve
Vehicles

keeee&uee GHemkej
Office Equipment

Deve
Others

sefueHeesve
Telephones

He@keme /FHeeyeskeme
Fax/Epabx

ceesyeeF&ue Heesve
Mobile Phones

Hegmlekeeuee keer Hegmlekes

Library Books

efJeefJeOe HetBpeer GHemkej

Miscellaneous Capital Equipment

keeeJe leLee Deve mecyeefvOele Heeej GHemkej

Audio visual and other allied
publicity equipment

FbefpeveereeEjie efJeYeeie GHemkej

Engineering Dept. equipment

Jnesuespe mefyeueeePej leLee et.Heer.Sme.

Voltage stabilizers and UPS

efkejeS Hej YeJeveeWHej pevejsj, [er.peer.mesmed

Generators, DG sets in rented
premises

YeJeveeWkee DeeOegefvekeerkejCe
Modernisation of Premises

kegue
TOTAL

efHeues meeue kee kegue

Previous Year Total

138

53 rd Annual Report

( ` ueeKeesW cesW)
( ` in lac)

Non-linked Business
cetueNneme
Depreciation

Meg yueeke

eeuet Je<e&

efHeues Je<e&

Net Block

Current Year

Previous Year

efHeues Je<e& leke

Je<e& kes efueS

efyekeer/
meceeeespeve Hej

leejerKe leke

Je<e& kes
Deblecesb

mebye
JeJemeee

kegue

kegue

Upto Last year

For The year

on Sales/
Adjustment

To Date

As at
year end

Linked
Business

Total

Total

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

59.31

0.00

(42.12)

101.43

82463.71

0.00

82463.71

96013.34

51.49

328.20

5.42

374.27

49124.69

0.00

49124.69

35763.80

24028.27

3074.47

70.45

27032.29

115544.84

0.00

115544.84

110282.95

13402.04

1753.44

525.43

14630.05

20844.52

0.00

20844.52

19371.94

67312.26

7134.92

4497.25

69949.93

22758.56

0.00

22758.56

14469.57

14869.29

5534.43

1589.33

18814.39

16290.51

0.00

16290.51

16425.41

4423.14

346.12

221.28

4547.98

1025.93

0.00

1025.93

1092.03

778.74

37.17

(14.72)

830.63

304.74

0.00

304.74

344.08

401.28

34.75

35.19

400.84

94.56

0.00

94.56

113.67

23.34

2.84

1.91

24.27

5.85

0.00

5.85

5.99

74.04

4.27

3.80

74.51

5.22

0.00

5.22

7.78

2156.78

211.85

164.50

2204.13

1144.86

0.00

1144.86

1091.66

1516.91

204.63

63.13

1658.41

537.05

0.00

537.05

610.16

6.18

1.78

1.64

6.32

0.98

0.00

0.98

0.96

5992.53

1213.09

196.36

7009.26

2146.40

0.00

2146.40

2383.89

57.61

1.35

2.73

56.23

6.44

0.00

6.44

3.21

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

135153.21

19883.31

7321.58

147714.94

312298.86

0.00

312298.86

297980.44

121251.64

19123.23

5221.66

135153.21

297980.44

0.00

297980.44

139

53

Devegmeteer

11 - jeske[ SJeb yeQke ceW DeefleMes<e : 31.03.2010

SCHEDULE

11

(` ueeKeesW cesW)

CASH AND BANK BALANCES : 31.03.2010

efJeJejCe
Particulars

(` in lac)

iewj-mebye JeJemeee

mebye JeJemeee

kegue eeuet Je<e&

kegue efHeues Je<e&

Non-linked
Business

Linked
Business

Total Current
Year

Total Previous
Year

342966.83

0.00

342966.83

255078.11

1492.32

0.00

1492.32

281706.16

42652.72

0.00

42652.72

25143.92

798001.33

0.00

798001.33

893176.43

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12456.44

0.00

12456.44

1.92

0.00

0.00

0.00

50078.42

168791.80

0.00

168791.80

160276.84

49531.47

0.00

49531.47

113880.18

1415892.91

0.00

1415892.91

1729263.56

0.00

0.00

0.00

0.00

1402046.81

0.00

1402046.81

1715223.67

13846.10

0.00

13846.10

14039.89

1415892.91

0.00

1415892.91

1729263.56

vekeo (eske, [^eHe SJeb m@cHe meefnle)

1

Cash (including cheques, drafts and stamps)

yewQke pecee
2

Bank Balances

(ke) pecee Keelee

(a) Deposit Accounts

(keke) DeuHeeJeefOe (legueve He$e keer leejerKe mes

12 cenerveeW kes Yeerlej ose)
(aa) Short-term (due within 12 months
of the date of Balance Sheet)

(KeKe)Deve
(bb) Others

(Ke) eeuet Keelee

(b) Current Accounts

(ie) Deve
(c)

Others

ceebieves Hej Deewj DeuHe metevee Hej Oeve

3

Money at Call and Short Notice

(ke) yewQke cesW

(a) With Banks

(Ke) Deve mebmLeeveebs cesW

(b) With other Institutions

(Ie) Deve - Deej.F.Heer.Dees.Sme.

(c)

Other -REPOS

Deve ceeie&mle Hees<emle Oeve

4

Others - Remittances in transit

meer.yeer.Sue.Dees.
CBLO

kegue
TOTAL

iewj Devegmetefele yeQkeeW keer Mes<e GHejeskele 2 leLee 3 ceW meefcceefuele nw *

Balances with non-scheduled banks included in
2 and 3 above.*

jeske[ SJeb yebwke cesb DeefleMes<e

CASH & BANK BALANCES

Yeejle cesW
In India

Yeejle kes yeenj

Outside India

kegue
TOTAL

* mLeeveere efJeefOe kes Devegmeej efveebef$ele efJeosMeer MeeKeeDeeW kes yeQke Keeleesb kes DeueeJee
* Excluding bank accounts of foreign branches which are held as per

140

local laws.

53 rd Annual Report

Devegmeteer

12 - Deefece SJeb Deve HeefjmecHeefeeeB : 31.03.2010

SCHEDULE

12

( ` ueeKeesW cesW)

ADVANCES AND OTHER ASSETS : 31.03.2010

efJeJejCe
Particulars

(` in lac)

iewj-mebye JeJemeee

mebye JeJemeee

kegue eeuet Je<e&

kegue efHeues Je<e&

Non-linked
Business

Linked
Business

Total Current
Year

Total Previous
Year

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

250000.00

0.00

250000.00

0.00

12949.27

0.00

12949.27

11001.21

0.00

0.00

0.00

0.00

114555.57

0.00

114555.57

71914.07

65312.74

0.00

65312.74

57758.88

3480.63

0.00

3480.63

3071.93

70445.35

0.00

70445.35

70822.62

52048.74

0.00

52048.74

55651.56

(1171.86)

0.00

(1171.86)

(1126.43)

567620.44

0.00

567620.44

269093.84

1785031.78

0.00

1785031.78

1918529.95

(235530.26)

0.00

(235530.26)

(246228.80)

628710.55

0.00

628710.55

549378.00

113612.39

0.00

113612.39

87467.33

(19.07)

0.00

(19.07)

(18.84)

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

213.71

0.00

213.71

143.05

Deefiece
ADVANCES

DeblejCe kebHeefvebeebsb cebs Deejef#ele pecee

1

Reserve deposits with ceding companies

DeblejCe kebHeefvebeebsb kees Deefiece

2

Advances to ceding companies

efveJesMeeW kes efueS DeeJesove Oeve

3

Application money for investments

Henues Yegieleeve / HetJe&oe Kee&

4

Prepayments/Prepaid Expenditure

DeeefOekeeefjeesW / efveosMekeesW kees Deefiece

5

Advances to Officers / Directors

Deoe efkeee ieee Deefiece kej SJeb m$eesle Hej kej keewleer
6

Advance tax paid and taxes deducted at source

(Net of provisions for tax Rs. 1412879.02)
(Previous year Rs. 1150442.55)

Deve
7

Others

(ke) kece&eeefjeeW kees Deefiece

(a)

Advances to employees

(Ke) DeveeW kees Deefiece

(b)

Advances to others

(ie) pecee
(c)

Deposits

(Ie) Deve Deefiece

(d)

Other advances

Hegkej osveoej, Deefiece leLee pecee kes efueS HeeJeOeeve

Provision for sundry debtors,
advances and deposits

kegue (ke)
TOTAL (A)

Deve heefjmecheefeeeB
OTHER ASSETS

efveJesMeesbHej yekeeee / HeesoYetle Deee

1

Income outstanding/accrued on investments

mebefoiOe Jeepe leLee ueeYeebMe kee HeeJeOeeve

Provision for doubtful Interest & Dividends

yekeeee Heerefceece
2

Outstanding Premiums

SpebeW kes Mes<e

3

Agents Balances

SpebeW kes mebefoiOe Mes<e kes efueS HeeJeOeeve

Provision for agents doubtful balances

efJeosMeer SpebefmeeesW kes Mes<e

4

Foreign Agencies Balances

mebefoiOe efJeosMeer SpebefmeeeW kes Mes<e kes efueS HeeJeOeeve

Provision for Foreign agencies doubtful balances

yeercee JeJemeee kejvesJeeueer Deve FbefefeesW mes HeeHle nesves Jeeuee

5

Due from other entities carrying on

insurance business

141

53

efJeJejCe
Particulars

iewj-mebye JeJemeee

mebye JeJemeee

kegue eeuet Je<e&

kegue efHeues Je<e&

Non-linked
Business

Linked
Business

Total Current
Year

Total Previous
Year

0.00

0.00

0.00

0.00

1.38

0.00

1.38

1.49

0.00

0.00

0.00

0.00

641917.45

0.00

641917.45

539709.59

4979.19

0.00

4979.19

4831.53

19895.23

0.00

19895.23

17149.69

5483.71

0.00

5483.71

2146.36

2964296.06

0.00

2964296.06

2873109.35

3531916.50

0.00

3531916.50

3142203.19

3525289.20

0.00

3525289.20

3137419.55

3531916.50

0.00

3531916.50

3142203.19

meneeke /efveeb$eke kebHeveermes HeeHle nesvesJeeuee

6

Due from subsidiaries/holding company

Hegveyeeacee oeJesb / Mes<e HeeHe

7

Reinsurance claims/balances receivable

Yeejleere efjpeJe& yewQke cesb pecee

(yeerrcee DeefOeefveece 1938 keerr KeC[
8

kes DevegmejCe cesW)

Deposit with Reserve Bank of India

(Pursuant to Section 7 of Insurance Act, 1938)

Deve
9

Others

ke) yekeeee / HeesoYetle $eCe Hej yeepe

a) Interest on loans outstanding/accrued

Ke) msMevejer kee meke, Deeefo neLe ceW

b) Stock of stationery, etc. on hand

ie) Deve HeefjmebHeeflleeeB

c) Other assets

Ie) Mesej efpevekee Deeyebve yekeeee nw

d) Shares pending allotment

kegue (Ke)
TOTAL (B)

kegue (ke +Ke)

TOTAL (A + B)

Yeejle cesW
In India

Yeejle kes yeenj

Outside India

kegue
TOTAL

142

53

Devegmeteer

14 - HeeJeOeeve : 31.03.2010

SCHEDULE

14

(` ueeKeesW cesW)

PROVISIONS : 31.03.2010

efJeJejCe
Particulars

(` in lac)

iewj-mebye JeJemeee

mebye JeJemeee

kegue eeuet Je<e&

kegue efHeues Je<e&

Non-linked
Business

Linked
Business

Total Current
Year

Total Previous
Year

0.00

0.00

0.00

0.00

103092.27

0.00

103092.27

92911.58

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

1494305.60

0.00

1494305.60

1494305.60

1597397.87

0.00

1597397.87

1587217.18

1597237.43

0.00

1597237.43

1587051.44

160.44

0.00

160.44

165.74

1597397.87

0.00

1597397.87

1587217.18

kejeOeeve kes efueS (IeeFS Yegieleeve SJeb m$eesle Hej kej keewleer)
1

For taxation (less payments and taxes deducted at source)

HemleeefJele ueeYeebMe kes efueS (5% cetueve DeefOeMes<e)

2

For proposed dividends (5% Valuation Surplus)

ueeYeebMe efJelejCe kej kes efueS

3

For dividend distribution tax

HeeefuemeerOeejkeesW kees ose yeesveme

4

Bonus payable to the policyholders

Deve
5

Others

MeesOe#ecelee meercee kes efueS Deej#eCe kee eeJeOeeve

Provision for reserve for solvency margin

kegue
TOTAL

heekeOeeve
PROVISIONS

Yeejle cesW
In India

Yeejle kes yeenj

Outside India

kegue
TOTAL

144

53 rd Annual Report

Devegmeteer
SCHEDULE

15 - efJeefJeOe Jee (pees yes Keeles ceW ve [eues ieS nebs ee meceeeesefpele ve efkeS ieS nesb) : 31.03.2010
15 MISCELLANEOUS EXPENDITURE (To the extent not written off or adjusted): 31.03.2010

efJeJejCe
Particulars

(` ueeKeesW cesW)
(` in lac)

iewj-mebye JeJemeee

mebye JeJemeee

kegue eeuet Je<e&

kegue efHeues Je<e&

Non-linked
Business

Linked
Business

Total Current
Year

Total Previous
Year

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

Mesej /$eCe-He$e peejer kejves ceW Devegcele t

1

Discount Allowed in issue of

shares/debentures

Deve
2

Others

kegue
TOTAL

Yeejle cesW
In India

Yeejle kes yeenj

Outside India

kegue
TOTAL

145

53

Devegmeteer 15 (ke):
peerJeve leLee hetBpeer ceeseve efveOee&efjle Jeeef<e&keer JeJemeee mes mebyebefOele efJeeere efJeJejCeeW kee Yeeie efveefce&le kejves Jeeues GodIeeefle efJe<ee
(ke) uesKeeW keer efhheefCeeeB
1) Deekeefmceke oseleeSb
ke) DeebefMeke he mes DeeefYeoe efveJesMe
Ke) yekeeee yeerceebkeve eefleyeleeSb
ie) efveiece kes efJe oeJeW pees $e+Ce kes he ceW DeefYemJeerke=le veneR efkeS ieS neW
Ie) efveiece eje ee efveiece keer Deesj mes oer ieF& ieejber
*) efJeJeeefole meebefJeefOeke ceebie/oseleeSb efpemekee GheyebOe ve efkeee ieee nes
e) hegveyeer&cee DeefveJeee&lee efpemekee GheyebOe ve efkeee ieee nes
) Deve

eeuet Je<e&
22 ueeKe hees
keg veneR
4323 ueeKe hees
keg veneR
3541 ueeKe hees
keg veneR
4279 ueeKe hees

efheues Je<e&
22 ueeKe hees
keg veneR
3908 ueeKe hees
keg veneR
6612 ueeKe hees
keg veneR
1458 ueeKe hees

2) eeuet peerJeve heeefueefmeeeW kes mebyebOe ceW oseleeDeeW kes cegueebkeve kes efueS yeerceebkeve kee hetJee&vegceeve
efveiece kee peerJeve yeercee JeJemeee Demebye menYeeieer JeJemeee, Demebye iewj-menYeeieer JeJemeee SJeb mebye iewjmenYeeieer JeJemeee ceW yebe nw ~ FveceW mes keg hee@efueefmeeeW
ceW DevegJe=efeeB peg[er ngF& nQ pewmes iebYeerj yeerceejer, Dehebielee ueeYe SJeb meeJeefOe yeercee meefnle ogIe&vee ueeYe ~
mebye iewj menYeeieer JeJemeee kes yeercee hueme eespevee ceW 3 efveefOeeeB Meeceerue nw eLee yewueWme[ Heb[, efjmke Heb[ leLee efmekeetDe[& Heb[ leLee Heetej hueme eespevee ceW 4 efveefOeeeB
Meeceerue nw eLee yee@C[ Heb[, Fvkece Heb[, yewueWme[ Heb[ leLee eesLe Heb[ leLee peerJeve hueme, ceveer hueme, ceekex hueme, Hee@eg&ve hueme Deewj ee@efHe hueme Fve eespeveeDeeW ceW 4 efveOeereeB
Meeceerue nw eLee yee@C[ Heb[, efmekeetDe[& Heb[, yewueWme[ Heb[ leLee eesLe Heb[ Deewj nsuLe hueme ceW nsuLe hueme Heb[ ~
31 ceee& 2010 kees menYeeieer SJeb iewj-menYeeieer oesveeW lejn keer eeuet hee@efueefmeeeW kes yeerceebkeve keer oselee keer ieCevee mekeue eerefceece lejerkes mes keer peeleer nw ~ mebye JeJemeee
mes mebyebefOele egefve oselee kee cetue, cetueve efleLeer kees hee@efuemeerOeejkeeW kes KeeleW ceW pecee etefveeW kes Meg heefjmecheefle cetue kes DeeOeej hej efvekeeuee ieee nw ~ mebye JeJemeee
kes Debleie&le iewj-FkeeF& hee@efueefmeeeW kes yeerceebkeve keer oselee keer ieCevee keewleer vekeo eJeen lejerkes mes keer peeleer nw ~ oseleeDeeW keer ieCevee yeepe, ce=letoj, DemJemLelee, oj,
yeesveme (peneB ueeiet nes), Jee SJeb cegemHeerefle kes hetJee&vegceeveeW hej DeeOeeefjle nesleer nw ~
cetueebkeve kes efueS eegkele yeepe ojW eespevee kes ekeej kes Devegmeej efYevve-efYevve nQ Deewj cetueeOeej heefjmebheefeeeW leLee oseleeDeeW kes mJehe SJeb DeJeefOe kes DeeOeej hej 6.80
Deewj 9.50 e.Je. kes yeere jKeer ieF& LeeR ~ eegkele ce=leg ojW ekeeefMele Yeejleere yeerceeke=le peerJeve ce=leg oj (1994-96) mebMeesefOele Debeflece meejCeer Deewj eefleketue efJeeueve kes
efueS iegbpeeeMe nsleg eleeefMele DevegYeJeeW leLee geW kees eefleefyebefyele kejves kes efueS meceeeesefpele SueDeeF&meer S (1996-98) ce=leg oj meejCeer hej DeeOeeefjle LeeR ~ eegkele
DemJemLelee ojW iebYeerj iCelee DeeOeej meejCeer (meeryeerDeeF&er 93, etkes) hej DeeOeeefjle LeeR efpemes DeeF&Deej[erS ves Yeejle ceW eeesie kes efueS Dehevee efueee nw ~ nsuLe hueme kes efueS
cegefveke ojW eYeeefJele ojW eegkele keer ieF& nw ~ Fve ojeW ceW nceejs eeesie kes efueS eLeesefele mebMeesOeve kej efueee ieee nw, efJeJeskeMeeruelee kes efueS iegbpeeeMe kes meeLe ~
eegkele Kee& eerefceece kes eefleMele kes he ceW ee yeercee jeefMe kes eefleMele ee eefle hee@efuemeer ee Fve oesveeW kee mebeespeve neslee nw ~ eegkele cegemHeerefle oj 3 jKeer ieeer nw leeefke
Jen yeepe ojeW leLee Jee mes megmebiele nes ~
meneesieer hee@efuemeereeW kes oeefelJe efveOee&jCe ceW YeefJe<ekeeueerve yeesveme kes DeueeJee kejeOeeve Yeee SJeb MesejOeejkeeW kees DeefOeMes<e kee Deeyebve Yeer Oeeve ceW jKee ieee nw ~
hee@efuemeereeWkee hegvee&ueve, vees JeJemeee kee meceeheve, S[me, Deehelkeeue, oeJeeW kee MeerIe Yegieleeve, SJeb kes efueS Deekeefmceke Deej#eCe kee eeJeOeeve efkeee ieee nw ~ hegJee&vegceeveeWkee
efveOee&jCe cegueebkeve efleefLe kees, eefleketue efJeeueve keer Deefleefjkele jeefMe kes ceeefpe&ve jeMeer kee eeJeOeeve kej, YeeJeer DevegYeJeeW kes otjoMeea cetueebkeve kes he ceW efkeee peelee nw ~
mebyeOo JeJemeee ceW, YeefJe<e kes efJeefveeespeve efveOeer kee HeeJeOeeve yeer. Jeer. Hee. kes efoMee efveoxMeeW kes Devegmeej efkeee ieee ns~
mecemle peerJeve JeJemeee kes yeerceebefkeke cetueebkeve kes HeuemJehe yeveves Jeeuee DeefOeMes<e peerJeve yeercee efveiece DeefOeefveece, 1956 keer Oeeje 28 kes eeefJeOeeveeW kes Devegmeej Deeyebefle
efkeee ieee nw ~
3) Yeejle ceW SJeb Yeejle kes yeenj efveiece keer heefjmecheefeeeW hej Yeej (eyebOeve eje eLee eceeefCele)
legueve he$e keer leejerKe kees efveiece keer heefjmecheefeeeW hej keesF& Yeej veneR Lee ~
4) 31.3.2010 kees oer ieF& Jeeve yeOoleeSb SJeb $e+CeeW kes yekeeS efveJesMe SJeb Deeue heefjmecheefeeeB kegue ` 1221643 ueeKe (efheues Je<e& ` 786563 ueeKe) Leer ~
5) heefjMeesOeve kes DeeOeej
(ke) $e+Ce eefleYetefleeeB
FkeeF& mebye JeJemeee, peneB meYeer $e+Ce eefleYetefleeeB yeer Jeer Jeer ee kes efoMee efveoxMeeW kes Devegmeej yeepeej cetue hej oMee&S ieS nQ, kes DeueeJee Deve, meYeer ekeej kes
JeJemeee mes mecyeefvOele mejkeejer eefleYetefleeeW meefnle meYeer $e+Ce eefleYetefleeeW kes ceeceueeW ceW, yeneR cetue Debefkele cetue mes DeefOeke nesves hej Gmes Oeeefjlee/heefjhekeJelee keer Mes<e
DeJeefOe kes efueS, DeefOecetue meceeblej DeeOeej hej heefjMeesefOele efkeee ieee nw ~
(Ke) efJeceese DeefOeceeveer Mesej
meYeer JeieeX keer JeJemeee ceW peneB yeneR cetue Debefkele cetue mes DeefOeke nw, DeefOecetue, Oeeefjlee/heefjhekeJelee keer Mes<e DeJeefOe kes efueS meceeblej DeeOeej hej heefjMeesefOele efkeee
ieee nw ~
146

53 rd Annual Report

SCHEDULE 15 A:
(A) DISCLOSURES FORMING PART OF THE FINANCIAL STATEMENTS OF LIFE AND CAPITAL
REDEMPTION AND ANNUITY CERTAIN BUSINESS
(A)

NOTES TO ACCOUNTS

1) Contingent liabilities
a. Partly paid-up investments
b. Underwriting commitments outstanding
c. Claims against the Corporation not
acknowledged as Debts
d. Guarantees given by or on behalf of the Corporation
e. Statutory demands/liabilities in dispute, not provided for
f. Reinsurance obligations to the extent not provided for
g. Others
2)

Current Year
`
22 lac
Nil
` 4323 lac

Previous Year
` 22 lac
Nil
` 3908 lac

Nil

Nil

` 3541 lac

` 6612 lac

Nil

Nil

` 4279 lac

` 1458 lac

Actuarial Assumptions for valuation of liabilities for life policies in force:

The Corporations Life Insurance Business consists of policies under Non-Linked Participating Business, Non-Linked NonParticipating Business and Linked Non-Participating Business. Some of these policies have riders attached to them such as
Critical Illness, Term Assurance and Accident Benefit, including Accidental Disability Benefit.
The Linked Non-Par Business consists of :


3 funds namely, Balanced Fund, Risk Fund and Secured Fund for Bima Plus Plan
4 funds namely, Bond Fund, Income Fund, Balanced Fund and Growth Fund for Future Plus Plan and Gratuity Plus Plan
(Group Business)
 4 funds namely, Bond Fund, Secured Fund, Balanced Fund and Growth Fund for each of the plans Jeevan Plus, Money Plus,
Market Plus, Fortune Plus, Profit Plus, Money plus1, Market plus1, Child Fortune Plus and Jeevan Sathi Plus.
 1 fund namely Wealth Plus fund for Wealth Plus Plan.
 Health Plus fund for Health Plus Plan and Health Protection Plus fund for Health Protection Plus Plan
The Actuarial Valuation liability for both participating and Non-Participating policies in our books as on March 31, 2010 is calculated
using the Gross Premium Method of valuation calculated on a policy by policy basis. It is ensured that the reserve for each policy
is at least equal to the Guaranteed Surrender Value. The unit liability in respect of Linked business is taken as the Net Asset Value
of the units to the credit of policyholders as on the date of valuation. The non unit liability under the linked business is calculated
using the discounted cash flow method. The liabilities are calculated based on the assumptions for interest, mortality, morbidity,
bonuses wherever applicable, expenses and inflation.
The interest rates used for valuation vary according to the type of plan and ranged from 6.80% to 9.50% p.a. depending on the
nature and term of the underlying assets and liabilities. The mortality rates used were based on the published Indian Assured
Lives Mortality (1994-96) modified ultimate table and LIC a (1996-98) mortality table adjusted to reflect expected experiences and
allowances for margin for adverse deviation. Morbidity rates used were based on the Critical Illness Base table (CIBT 93, UK)
which has been adopted by IRDA for use in India. In case of Health Plus the Munich Re incidences rates is used. These rates have
been suitably modified for our use with margins included for prudence.
The expenses were used either as a percentage of premium or percentage of sum assured or per policy or a combination of these.
The inflation rates used were 3 % so as to be consistent with interest rates and expenses.
In case of Participating policies, the allowance for taxation and allocation of surplus to shareholders is also made in liability
assessment, in addition to the future reversionary bonuses. Contingency reserves have been provided for revival, closure of new
business, AIDS, Catastrophe, Interest Fluctuation Reserve, Immediate payment of Claim and Adjustment for flow of business. The
assumptions were determined on a prudent assessment of the future experiences at the date of valuation with allowances for
margin for adverse deviation.
In case of linked business, Fund for Future Appropriations (FFA) has been provided as per stipulations of IRDA.
Surplus emerging as a result of actuarial valuation of all life business have been allocated in accordance with the provisions of
Section 28 of the LIC Act of 1956
3)

Encumbrances to assets of the Corporation in and outside India (As certified by the Management)
There were no encumbrances on the assets of the Corporation as at the balance sheet date.
4) Commitments made and outstanding for loans, investments and fixed assets as on 31.3.2010 aggregate to ` 1221643 lac
(previous year ` 786563 lac).
5) Basis of amortisation of:
(a) Debt securities
In respect of all debt securities including Government Securities, where the book value is more than the face value, the premium
has been amortised on straight line basis over the balance period of holding/maturity in all classes of businessexcept Unit
Linked Business where all the debt securities have been shown at market value in terms of the IRDA guidelines.
(b) Redeemable Preference Shares:
Where the book value is more than the face value, the premium has been amortised on the straight line basis over the balance
period of holding/ maturity in all classes of business.

147

53

6) oeJes
legueve he$e keer leejerKe kees 6 cenerves mes DeefOeke kes meceeeesefpele SJeb Deoe ve efkeS ieS oeJeW (eyebOeve eje eLee eceeefCele)
mebKee
eeuet Je<e&
efheues Je<e&
cegleg oeJes
3062
2955
heefjhekeJelee oeJes
509074
278692
7) yekeeee mebefJeoeDeeW kee cetue
Demebye JeJemeee kes mebyebOe ceW ~
(ke) KejerefoeeB efpeveceW heefjoeve uebefyele nes
21714 ueeKe ` (efheues Je<e& 657 ueeKe `)
(Ke) efyeefeeeB efpeve ceW DeoeeeefjeeB Deefleose nes 36128 ueeKe ` (efheues Je<e& 5042 ueeKe `)
heWMeve JeJemeee leLee hetB cees. (efve. Jee. meefnle) JeJemeee kes mebyebOe ceW efveJesMe mes mebyebefOele keesF& Yeer mebefJeoe yekeeee veneR Leer ~
mebye JeJemeee kes mebyebOe ceW efveJesMeeW kes yeejs ceW mebefJeoeDeeW kee cetue :
(ke) KejerefoeeB efpeveceW heefjoeve uebefyele nes
26815 ueeKe ` (efheues Je<e& 961 ueeKe `)
(Ke) efyeefeeeB efpeve ceW DeoeeeefjeeB Deefleose nes 8425 ueeKe ` (efheues Je<e& 2824 ueeKe `)

jeefMe (ueeKe ` ceW)

eeuet Je<e&
efheues Je<e&
1446
1151
49951
35258

8) heefjeeueve Jee-JeJemeee kes efJeefYevve eKeC[eW ceW Kee& kes Deeyebve kes DeeOeej (31.03.2010 leke kes cegueebkeve kes)
Demebye menYeeieer, Demebye iewj-menYeeieer, meeceeve Jeeef<e&efkeeeB, heWMeve, mecetn JeJemeee, FkeeF& mebye JeJemeee, hetB cees (efve. Jee. meefnle) JeJemeee SJeb Jeefj heWMeve yeercee
eespeveekes mebyebOe ceW heefjeeueve Kee& kes Deeyebve kee DeeOeej efvecve nw(ke) efpeve KeeeX kee meerOes helee ueieeee pee mekelee nw Gvekee Deeyebve JeemleefJeke DeeOeej hej efkeee peelee nw ~
(Ke) efpeve Deve KeeeX keer ele#e heneeve veneR nes mekeleer Gvekee Deeyebve meeceeve hetue mes efvecveefueefKele ceW mes efkemeer kes DeeOeej hej ee Fvekes mebeespeve kes DeeOeej hej efkeee
ieee nw:
i. hee@efuemeereeW keer mebKee
ii. kegue mebie=nerle eerefceece (pees efHejmes Skeue efeefceece leLee efveeefcele efeefceece kes he ceW oMee&ee peelee nw)
iii. yeerefcele jeefMe
Deeyebve keer efJeefOe kee efveCe&e KeeeX kes mJehe (Sveyeer/veJeerkejCe, efveele/heefjJele&veMeerue Deeefo) kes DeeOeej hej efkeee peelee nw Deewj JeJemeee kees nj ueeFve hej Jee kes JeieeX
hej DeeOeeefjle heneeve eesie hewjeceerj ueeiet efkeS peeles nQ ~
efJeefYevve JeJemeee eKeC[eW kes yeere meeceeve Kee& kee Deeyebve leLee menYeeieer, iewj-menYeeieer SJeb Jeeef<e&keer hee@efueefmeeeW kes yeere KeeeX kee Deeyebve efveegkele yeerceebkekeeW eje eLee
eceeefCele neslee nw ~
9) DeOe#e SJeb eyebOe efveosMekeeW kees eyebOekeere heeefjeefceke
jeefMe (ueeKe ` cebs)
eeuet Je<e&
efheues Je<e&
Jesleve SJeb Yees
89.11
72.20
heWMeve ceW efveiece kee DebMeoeve
6.61
4.85
heefjueefyOeeeW kee kejeesie cetue
3.35
2.31
eoe Gheoeve
keg vener
keg vener
10) Gefele cetue DeeOeej hej cetueebefkele FefkeJeer MesejeW, meneesie efveefOe ceW efveJesMeeW keer Ssefleneefmeke ueeiele
jeefMe (ueeKe ` cebs)
eeuet Je<e&
efheues Je<e&
(ke) Demebye JeJemeee
peerJeve, Jeeef<e&keer SJeb mecetn eespeveeSb
8827494
6764725
MesejOeejkeeW kee Keelee
7569
7569
meneesie efveefOe efveJesMe
179017
106057
(Ke) mebye JeJemeee
F Mesej
10119034
7287994

3017676
2133179
(ie) hetBpeer ceeseve leLee efveOee&efjle Jeeef<e&keer meefnle
11
11
11) efveJesMe mebheefe kes hegveceg&ueebkeve kee DeeOeej
efveJesMe mebheefe kes cetue kee nj leerve Je<e& ceW Ske yeej hegveceg&ueebkeve efkeee peelee nw ~ hegvecet&ueebkeve efJeeere Je<e& 2007-2008 kes oewjeve efkejeee hetBpeerkejCe efJeefOe kee eeesie
kejkes efkeee ieee Lee Deewj efyevee efkemeer YeJeve/mebjevee kes Keeueer peceerve kee cetue Jele&ceeve yee]peej cetue efJeefOe mes ueieeee ieee Lee ~
148

53 rd Annual Report

6)

Claims
The claims settled and remaining outstanding for a period of more than 6 months as on the balance sheet date:(As certified by
the Management).
Number
Amount (` in lac)
Current Year
Previous Year
Current Year
Previous Year
Claims by death
3062
2955
1446
1151
Claims by maturity
509074
278692
49951
35258

7)

Value of contracts in relation to Investments

In respect of Non- Linked business:
(a) Purchases where deliveries are pending
(b) Sales where payments are overdue
There were no contracts outstanding in relation
In respect of Linked business:
(a) Purchases where deliveries are pending
(b) Sales where payments are overdue

8)

` 21714
` 36128

lac (previous year ` 657 lac)

lac (previous year ` 5042 lac)
to investments in respect of Pension business and CRAC business.
` 26815 lac (Previous Year ` 961 lac)
` 8425 lac
(Previous Year ` 2824lac)

Operating Expenses: Basis of allocation of expenditure to various segments of business (for Valuation as at 31.03.2010)
Operating Expenses relating to insurance business are allocated to Non-Linked Participating, Non-Linked Non-Participating,
General Annuities, Pensions, Group Business, Unit Linked Business, CRAC and VPBY business on the basis of:
a.
Expenses which are directly identifiable have been allocated on actual basis, and
b.
Other Expenses which are not directly identifiable are allocated out of the common pool on the following basis or a combination
of these:
i. Number of policies
ii. Total premium collected which is further bifurcated to Single and regular premium
iii. Sum assured
The method of allocation has been decided based on the nature of expenses (NB/renewal, fixed/variable etc.) and identifiable
parameters based on expense classes are applied to each line of business.
Allocation of common expenses between various business segments and allocation of expenses between Participating, NonParticipating and Annuity Policies are as certified by the Appointed Actuary.

9)

Managerial Remuneration to Chairman & Managing Directors

Salaries & Allowances

Corporations contribution to Pension
Taxable Value of Perquisites
Gratuity paid
10)

Amount (` in lac)
Current Year
Previous Year
89.11
72.20
6.61
4.85
3.35
2.31
NIL
NIL

(a)

Non Linked Business:

Historical cost of investments in Equity Shares and Mutual fund valued on fair value basis.
Current Year
Previous Year
` 8827494 lac
` 6764725 lac
Life, Annuity and Group Schemes
Shareholders Account
` 7569 lac
` 7569 lac
` 179017 lac
` 106057 lac
Mutual Fund Investments
(b)

Linked Business:
Historical cost of investments valued on fair value basis.
Current Year
` 10119034 lac
Equity Shares
Government Securities
` 3017676 lac

Capital Redemption & Annuity Certain:

Historical cost of investments in Equity Shares valued on fair value basis.
Current Year
` 11 lac
Equity Shares

Previous Year
` 7287994 lac
` 2133179 lac

(c)

11)

Previous Year
` 11 lac

Basis of revaluation of investment property

Investment property is revalued once in every three years. Revaluation was carried out during the financial year 2007-2008 using
Rent Capitalisation method and land alone without any building/structure was valued by Current Market value method.

149

53

12) uesKee efveefleeeB 15 (megOeeefjle 2005) kece&eejer efnleueeYe kes Devegmeej uesKee efveefleeeW ceWs heefjYeeef<ele efk eS ngS kece&eejer efnleueeYe kes mebyebOe ces GodIeeerle efJe<ee efvecveefueefKele
nw ~
(ke) 31.03.2010 leke keer kece&eejer e@egFer oselee keer efieveleer - S Sme 15 kes Devegmeej (megOeeefjle 2005)
Fme oeefelJe kee Jele&ceeve cetue yeerceebkeve cegueebkeve hej DeeOeeefjle, emleeefJele F&keeF& pecee heleer mes efveefMele efkeee ieee nw ~
I)

hetJee&vegceeve :
efjeeeleer ojW
#eeflehetleea mlej mes Je=ef oj
eesefpele heefjmebheefeeeW hej ueeYe kee oj
kece&eeefjeeW kes GJe&efjle-keee&keeue kee Dehesef#ele Deewmele (Je<e&)

31.03.2010
leke kes
8.00
9.65
6.00
17

31.03.2009
leke kes
8.00
9.60
6.00
16

oeefelJeeWkes Jele&ceeve cetueeW ceW nesvesJeeues heefjJele&ve oMee&vesJeeueer meteer:

Je<e& keer MegDeele leke kes oeefelJeeWkee Jele&ceeve cetue
DeefOeenCe meceeeespeve
yeepe ueeiele cetue
iele mesJee ueeiele cetue
Jele&ceeve mesJee ueeiele cetue
mebef#ehle ueeiele cetue/(pecee)
efveheeje ueeiele cetue/(pecee)
Deoe efkeee ieee ueeYe
oeefelJeeWhej yeerceebkeve (ueeYe)/neveer
Je<e& kes Deble leke kes oeefelJeeWkee Jele&ceeve cetue

31.03.2010
2535.99

202.87
261.74
120.69

(79.81)
165.19
2876.29

31.03.2009
2506.17

200.49

506.64

(78.06)
599.25
2535.99

eesefpele heefjmebheefeeeW kes mener cetue ceW yeoue oMee&vesJeeueer meteer:

Je<e& keer MegDeele ceW eesefpele heefjmebheefeeeW kee mener cetue
DeefOeenCe meceeeespeve
eesefpele heefjmebheefeeesbhej Dehesef#ele ueeYe
DebMeoeve
Deoe efkeee ieee ueeYe
eesefpele heefjmebheefeeeWhej yeerceebkeve ueeYe/(neveer)
Je<e& kes Deble leke eesefpele heefjmebheefeeeW kee mener cetue

31.03.2010
2664.42

212.04
275.63
(79.81)
43.73
3116.01

31.03.2009
2505.69

236.80

(78.07)

2664.42

eesefpele heefjmebheefeeeW kee mener cetue oMee&vesJeeueer meteer:

Je<e& keer MegDeele ceWs eesefpele heefjmebheefeeeW kee mener cetue
DeefOeenCe meceeeespeve
eesefpele heefjmebheefeeebshej JeemleefJeke ueeYe
DebMeoeve
Deoe efkeee ieee ueeYe
Je<e& kes Deble leke eesefpele heefjmebheefeeeW kee mener cetue
efveefOeke efmLeefle
eesefpele heefjmebheefeeeWhej Devegceeefvele ueeYe kees es[kej JeemleefJeke ueeYekee DeefOeMes<e

31.03.2010
2664.42

255.77
275.63
(79.81)
3116.01
239.72
43.73

31.03.2009
2505.69

236.80
0.00
(78.07)
2664.42
(128.43)

31.03.2010
165.19
(43.74)
(208.92)
(208.92)

31.03.2009
(599.25)

(599.25)
(599.25)

(Deebke[s kejes[eW ceW)

II)

III)

IV)

(JeemleefJeke ueeYe kee oj = Devegceeefvele ueeYe kee oj keeeW efke Jeevetefle nj 31 ceee& hej Deeleer nw)
V)

150

ceeveleeeehle yeerceebkeve ueeYe/neveer:

Je<e& kes efueS yeerceebkeve ueeYe/(neveer) oeefelJe
Je<e& kes efueS yeerceebkeve (ueeYe)/neveer eesefpele heefjmebheefeeeB
Je<e& kes efueS kegue (ueeYe)/neveer
Je<e& ceW ceeveleeeehle yeerceebkeve (ueeYe)/neveer
Je<e& kes Deble leke De-ceeveleeeehle yeerceebkeve (ueeYe)/neveereeB

53 rd Annual Report

12) As per Accounting Standard 15 (revised 2005) Employee Benefits the disclosures of Employee benefits are given below:
A)

Employees Gratuity Liability Calculation as at 31.3.2010

The present value of the obligation is determined based on actuarial valuation using the Projected Unit Credit Method.
I.

Assumptions:

Discount Rate
Rate of return on Plan Assets
Salary Escalation
Expected Average remaining working lives of employees (years)

As of
31.3.2010
8.00%
9.65%
6.00%
17

As of
31.3.2009
8.00%
9.60%
6.00%
16

II. Table showing changes in Present Value of Obligations:

Present Value of obligation as at the Beginning of the year

Acquisition adjustment
Interest Cost
Past service Cost
Current service Cost
Curtailment Cost/ (Credit)
Settlement Cost/ (Credit)
Benefits paid
Actuarial (gain)/loss on obligations
Present Value of obligation as at the end of the year

31.3.2010
2535.99
202.87
261.74
120.69
(79.81)
(165.19)
2876.29

(figures in crore)
31.3.2009
2506.17
200.49
0.00
506.64
(78.06)
(599.25)
2535.99

31.3.2010
2664.42
212.04
275.63
(79.81)
43.73
3116.01

(figures in crore)
31.3.2009
2505.69
236.80
0.00
(78.07)
0.00
2664.42

31.3.2010
2664.42
0.00
255.77
275.63
(79.81)
3116.01
239.72
43.73

(figures in crore)
31.3.2009
2505.69
0.00
236.80
(78.07)
2664.42
128.43
0.00

31.3.2010
165.19
(43.74)
(208.92)
(208.92)
-

(figures in crore)
31.3.2009
599.25
0.00
(599.25)
(599.25)
-

III. Table showing changes in the Fair Value of Plan Assets:

Fair Value of Plan Assets at the beginning of the year

Acquisition adjustments
Expected return on Plan Assets
Contributions
Benefits paid
Actuarial gain/(loss) on Plan Assets
Fair Value of Plan Assets at the end of the year
IV. Table showing Fair value of Plan Assets:

Fair Value of Plan Assets at the beginning of the year

Acquisition adjustments
Actual return on Plan Assets
Contributions
Benefits paid
Fair value of Plan Assets at the end of the year
Funded Status
Excess of actual over estimated return on Plan Assets
(Actual rate of return = Estimated rate of return as ARD falls on 31st March)
V. Actuarial Gain/Loss Recognized

Actuarial gain/(loss) for the year Obligation

Actuarial (gain)/loss for the year Plan Assets
Total (gain)/loss for the year
Actuarial (gain)/ loss recognized in the year
Unrecognized actuarial (gain)/losses at the end of year

151

53

VI)

leguevehe$e leLee ueeYe SJeb neveer kes efJeJejCe ceW ceeveleeeehle nesvesJeeueer OevejeefMeeeB:
31.03.2010
2876.29
3116.01
239.72

239.72
31.03.2010
120.69
261.74
202.87
212.04

208.92
164.34

(Deebke[s kejes[eW ceW)

31.03.2009
2535.99
2664.42
128.43

128.43
31.03.2009
506.64

200.49
(236.80)

(599.25)

Je<e& kes Deble leke kes oeefelJekee Jele&ceeve cetue

Je<e& kes Deble leke keer eespeerle heefjmebheeereeW kee mener cetue
efveefOeke efmLeleer
De-ceeveleeeehle yeerceebkeve (ueeYe)/neveereeB
leguevehe$e ceW ceeveleeeehle Meg heefjmebheeer/(oeefelJe)
VII) ueeYe SJeb neveer kes efJeJejCe ceW ceeveleeeehle Jee :
Jele&ceeve mesJee ueeiele cetue
iele mesJee ueeiele cetue
yeepe ueeiele cetue
eesefpele heefjmebheeereeW hej Dehesef#ele ueeYe
mebef#ehle ueeiele cetue/(pecee)
efveheeje ueeiele cetue/(pecee)
Je<e& ceW ceeveleeeehle Meg yeerceebkeve (ueeYe)/neveer
**
ueeYe SJeb neveer kes efJeJejCe ceW ceeveleeeehle Jee
(Ke) mecetn Deefpe&le DeJekeeMe vekeoerkejCe oeefelJe :
kece&eejer meomeeW kees GheueyOe De.De. vekeoerkejCe ueeYe kee cetueceeheve emleeefJele F&keeF& pecee heleer keer ceoo mes efkeee peelee nw ~ Fme heleervegmeej YeefJe<ekeeueerve Jeslevekees,
efpemes Gme Jekele cetueebkeve efleefLeleke efjeeele oer ieF& nw, Oeeve ceWs jKeles ngS, cetueebkeve efleefLeleke eesoYetle ueeYe emleeefJele efkeS peeles nQ ~
FveceW ecegKe hetJee&vegceeve nw (1) efjeeeleer ojW (2) Jesleve Je=ef ~
I) hetJee&vegceeve :
31.03.2010
31.03.2009
efjeeeleer ojW
8.00
8.00
Jesleve Je=ef kee oj (cetue Jesleve + cenbieeF& Yeee)
9.65
6.00
eesefpele heefjmebheefeeeW hej ueeYe kee oj
6.00

kece&eeefjeeWkee Deewmele Dehesef#ele GJe&efjle keee&keeue (Je<e&)

17.00
17.25
(Deebke[s kejes[eW ceW)
II) oeefelJeeWkes Jele&ceeve cetueeW ceW heefjJele&ve oMee&vesJeeueer meteer:
31.03.2010
31.03.2009
Je<e& keer MegDeele ceW oeefelJeeWkee Jele&ceeve cetue
1191.31
886.53
DeefOeenCe meceeeespeve

yeepe ueeiele cetue

95.30
70.92
iele mesJee ueeiele cetue

Jele&ceeve mesJee ueeiele cetue

254.27
297.76
mebef#ehle ueeiele cetue/(pecee)

efveheeje ueeiele cetue/(pecee)

Deoe efkeee ieee ueeYe

32.44
(63.90)
oeefelJeeWhej yeerceebkeve (ueeYe)/neveer
(62.58)

Je<e& kes Deble leke kes oeefelJeeWkee Jele&ceeve cetue

1445.86
1191.31
III)

Deeeespevee HeefjmecHeefeeeW kes Gefele cetue ceW HeefjJele&veeW kees oMee&vesJeeueer leeefuekee
(Deebke[s kejes[eW ceW)
Je<e& kes HeejbYe ceW Deeeespevee HeefjmecHeefeeeW kee Gefele cetue
meceeeespeve DeefOeienCe
Deeeespevee HeefjmecHeefeeeW Hej DeHese#f ele ueeYe
DebMeoeve
Heoe ueeYe
Deeeespevee HeefjmecHeefeeeW Hej yeerceebkeve ueeYe / (vegkemeeve)
Je<e& kes Deble ceW Deeeespevee HeefjmecHeefeeeW kee Gefele cetue

152

31.3.2010
0.00
0.00
30.47
1470.23
(32.44)
6.29
1474.55

53 rd Annual Report

VI The amount to be recognised in Balance Sheet and Statements of Profit & Loss

Present Value of obligation as at the end of the year

Fair Value of Plan Assets as at the end of the year
Funded Status
Unrecognized Actuarial (gains)/ losses
Net Asset/Liability recognized in Balance Sheet

31.3.2010
2876.29
3116.01
239.72
239.72

(figures in crore)
31.3.2009
2535.99
2664.42
128.43
128.43

VII Expense recognised in the Statement of Profit and Loss

31.3.2010
120.69
261.74
202.87
(212.04)
(208.92)
164.34

Current Service Cost

Past Service Cost
Interest Cost
Expected return on Plan Assets
Curtailment Cost/ (Credit)
Settlement Cost/ (Credit)
Net actuarial (gain)/loss recognized in the year
Expenses recognized in the statement of P&L
** As the scheme is overfunded to the extent of ` 128.44
it is not required to recognize any expense in the profit & loss A/c for the year 2008-09.

(figures in crore)
31.3.2009
506.64
0.00
200.49
(236.80)
(599.25)
**

B) Group Privilege Leave Encashment Liability

The benefits of PL encashment available to employee members have been valued using Projected Unit Credit Method. Under this method
benefits accrued up to the valuation date are projected considering future salary which is then discounted as at the valuation date.
The principal assumptions are the (1) discount rate & (2) Salary increase.
I.

Assumptions:

Discount Rate
Rate of increase in salary (Basic+DA)
Rate of return on Plan Assets
Expected average remaining working lives of Employees (years)
II.

As of
31.3.2010
8.00%
9.65%
6.00%
17

As of
31.3.2009
8.00%
6.00%
6.00%
17.25

31.3.2010
1191.31
95.30
254.27
(32.44)
(62.58)
1445.86

(figures in crore)
31.3.2009
886.53
70.92
297.76
(63.90)
1191.31

Table showing changes in Present Value of Obligations

Present Value of obligation as at the beginning of the year

Acquisition adjustment
Interest Cost
Past service Cost
Current service Cost
Curtailment Cost/ (Credit)
Settlement Cost/ (Credit)
Benefits paid
Actuarial (gain)/loss on obligations
Present Value of obligation as at the end of the year
III. Table showing changes in the Fair Value of Plan Assets

Fair value of plan assets at beginning of year

Acquisition Adjustment
Expected return on plan assets
Contributions
Benefits paid
Actuarial gain / (loss) on Plan assets
Fair value of plan assets at the end year

(figures in crore)
31.3.2010
0.00
0.00
30.47
1470.23
(32.44)
6.29
1474.55

153

53

IV)

Deeeespevee HeefjmecHeefeeeW kes Gefele cetue kees oMee&vesJeeueer leeefuekee

(Deebke[s kejes[eW ceW)
31.3.2010
0.00
0.00
36.76
1470.23
(32.44)
1474.55
28.67
6.29

Je<e& kes HeejbYe ceW Deeeespevee HeefjmecHeefeeeW kee Gefele cetue

meceeeespeve DeefOeienCe
Deeeespevee HeefjmecHeefeeeW Hej Hele#e ueeYe
DebMeoeve
Heoe ueeYe
Je<e& kes Deble ceW Deeeespevee HeefjmecHeefeeeW kee Gefele cetue
efveefOeyeOo efmLeefle
Deeeespevee HeefjmeefcHeeeeW ceW Devegceeefvele ueeYe Hej Hele#e kee DeefOekee
(ueeYe keer Hele#e oj = ueeYe keer Devegceeefvele oj, etbefke SDeej[er 31 ceee& kees Ieefle neslee nw)
V)

mJeerke=le yeerceebkeve ueeYe/vegkemeeve

(Deebke[s kejes[eW ceW)
31.3.2010
62.58
(6.29)
(68.87)
(68.87)
0.00

Je<e& kes efueS yeerceebkeve ueeYe/(vegkemeeve) - oeefelJe

Je<e& kes efueS yeerceebkeve (ueeYe)/vegkemeeve - Deeeespevee HeefjmecHeefeeeb
Je<e& kes efueS kegue (ueeYe)/vegkemeeve
Je<e& ceW yeerceebkeve (ueeYe)/vegkemeeve
DemJeerke=le yeerceebkeve (ueeYe)/vegkemeeve
VI)

VII)

leguevehe$e leLee ueeYe SJeb neveer kes efJeJejCeeW ceW ceeveleeeehle keer peevesJeeueer OevejeefMeeeB:

Je<e& kes Deble leke kes oeefelJeeWkee Jele&ceeve cetue

Je<e& kes Deble leke keer eespeerle heefjmebheeereeW kee mener cetue
efveefOeke efmLeleer
De-ceeveleeeehle yeerceebkeve (ueeYe)/neveereeB
leguevehe$e ceW ceeveleeeehle Meg heefjmebheeer/(oeefelJe)

31.03.2010
1445.86
1474.55
28.67

28.67

(Deebke[s kejes[eW ceW)

31.03.2009
1191.31

(1191.31)

1191.31

ueeYe SJeb neveer kes efJeJejCe ceW ceeveleeeehle Jee :

Jele&ceeve mesJee ueeiele cetue
iele mesJee ueeiele cetue
yeepe ueeiele cetue
eesefpele heefjmebheefeeeW hej Dehesef#ele ueeYe
mebef#ehle cetue/(pecee)
efveheeje cetue/(pecee)
Je<e& ceW ceeveleeeehle Meg yeerceebkeve (ueeYe)/neveer
ueeYe SJeb neveer kes efJeJejCe ceW ceeveleeeehle Jee

31.03.2010
254.27

95.30
(30.47)

(68.87)
250.23

31.03.2009
297.76

70.92

368.68

(ie) kece&eejer efveJe=eerJesleve eespevee 1995 oeefelJe :

emleeefJele F&keeF& pecee heleer peneBhej cetueebkeve efleLeer leke kee keee&keeue leLee efveie&ceve efleLeer leke keer Jesleve ceW nesvesJeeueer Je=efeeW kees Oeeve ceW jKeles ngS ose efnleueeYe
cetueebefkele efkeS peeles nQ ~ Fve jeefMeeeW kee cetueebkeve efleLeer leke kee cetue Fve emleeefJele ueeYeeW keer jeefMeeeW kees t osles ngS efvekeeuee peelee nw ~
FveceW ecegKe hetJee&vegceeve nw (1) efjeeeleer ojW (2) Jesleve Je=ef ~
I) hetJee&vegceeve :
31.03.2010
31.03.2009
efjeeeleer ojW
8.00
8.00
Jesleve Je=ef kee oj (cetue Jesleve + cenbieeF& Yeee)
6.00
6.00
hesvMeve Je=ef kee oj
5.00
5.00
eesefpele heefjmebheefeeeW hej ueeYe kee oj
9.65
9.55
kece&eeefjeeWkes GJe&efjle keee&keeue kee Dehesef#ele Deewmele (Je<e&)
17.24
17.25

154

53 rd Annual Report

IV. Tables showing Fair Value of Plan Assets

(figures in crore)
31.3.2010
0.00
0.00
36.76
1470.23
(32.44)
1474.55
28.67
6.29

Fair value of plan assets at beginning of year

Acquisition Adjustment
Actual return on plan assets
Contributions
Benefits paid
Fair value of plan assets at the end year
Funded status
Excess of Actual over estimated return on plan assets
(Actual rate of return = Estimated rate of return as ARD falls on 31st March )
V. Actuarial Gain/Loss recognized

(figures in crore)
31.3.2010
62.58
(6.29)
(68.87)
(68.87)
0.00

Actuarial gain/(loss) for the year Obligation

Actuarial (gain)/loss for the year Plan Assets
Total (gain)/loss for the year
Actuarial (gain)/loss recognized in the year
Unrecognized actuarial (gains)/losses
VI. The amounts to be recognized in Balance Sheet and Statements of Profit and Loss

Present Value of Obligation as at the end of the year

Fair Value of Plan Assets as at the end of the year
Funded Status
Unrecognized Actuarial (gains)/losses
Net Asset/(Liability) Recognized in Balance Sheet

31.3.2010
1445.86
1474.55
28.67
0.00
28.67

(figures in crore)
31.3.2009
1191.31
(1191.31)
0.00
1191.31

31.3.2010
254.27
0.00
95.30
(30.47)
0.00
0.00
(68.87)
250.23

(figures in crore)
31.3.2009
297.76
0.00
70.92
0.00
0.00
0.00
0.00
368.68

VII. Expense Recognized in the Statement of Profit and Loss

Current Service Cost

Past Service Cost
Interest Cost
Expected return on Plan Assets
Curtailment Cost/ (Credit)
Settlement Cost/ (Credit)
Net actuarial (gain)/loss recognised in the year
Expenses recognised in the statement of P&L
C)

Employees Pension Scheme 1995 Liability

Projected Unit Credit Method where the benefits payable are valued considering the service up to the valuation date and increases
in salaries up to the date of exit. The value of such benefits as on the valuation date has been arrived at by discounting the amount
of such projected benefits.
The principal assumptions are the (1) discount rate & (2) Salary Increase.
I

Assumptions:
Discount rate
Rate of increase in salary (Basic+DA)
Rate of pension increase
Rate of return on Plan Assets
Expected average remaining working lives of
Employees (years)

31.3.2010
8.00%
6.00%
5.00%
9.65%

31.3.2009
8.00%
6.00%
5.00%
9.55%

17.24

17.25

155

53

II)

III)

IV)

oeefelJeeWkes Jele&ceeve cetueeW ceW nesvesJeeues heefjJele&ve oMee&vesJeeueer meteer:

31.03.2010
Je<e& keer MegDeele leke kes oeefelJeeWkee Jele&ceeve cetue
5632.93
DeefOeenCe meceeeespeve

yeepe ueeiele cetue

(450.63)
iele mesJee ueeiele cetue (kegue ueeiele cetue kee 1/5 Jee efnmmee)*
1242.70
Jele&ceeve mesJee ueeiele cetue
1111.25
mebef#ehle ueeiele cetue (pecee)

efveheeje ueeiele cetue (pecee)

Deoe efkeee ieee ueeYe

501.71
oeefelJeeWhej yeerceebkeve (ueeYe)/neveer
806.44
Je<e& kes Deble leke kes oeefelJeeWkee Jele&ceeve cetue
7129.36
*
31.03.2007 leke . 6213.48 kejes[ keer eesoYedle Jele&ceeve mesJee oeefelJe kees
S. Sme. 15 (megOee.) keer efmeefcele mebMeesOeve kes Devegmeej heeBe meeue ceW mecee efJemleej efkeee ieee nw ~
eesefpele heefjmebheefeeeW kes mener cetue ceW yeoue oMee&vesJeeueer meteer:
Je<e& keer MegDeele ceW eesefpele heefjmebheefeeeW kee mener cetue
DeefOeenCe meceeeespeve
eesefpele heefjmebheefeeeWhej JeemleefJeke ueeYe
DebMeoeve
Deoe efkeee ieee ueeYe
eesefpele heefjmebheefeeeWhej yeerceebkeve ueeYe/neveer
Je<e& kes Deble leke eesefpele heefjmebheefeeeW kee mener cetue

31.03.2010
5632.93

450.63
2519.23
501.71
971.72
7129.36

eesefpele heefjmebheefeeeW kee mener cetue ceW oMee&vesJeeueer meteer:

Je<e& keer MegDeele ceW eesefpele heefjmebheefeeeW kee mener cetue
DeefOeenCe meceeeespeve
eesefpele heefjmebheefeeesbhej JeemleefJeke ueeYe
DebMeoeve
Deoe efkeee ieee ueeYe
Je<e& kes Deble leke eesefpele heefjmebheefeeeW kee mener cetue
efveefOeke efmLeefle
eesefpele heefjmebheefeeeW hej Devegceeefvele ueeYe kees es[kej JeemleefJeke ueeYe kee DeefOeMes<e

31.03.2010
5632.93

521.09
2519.23
501.71
7129.36
(971.72)

(Deebke[s kejes[es ceW)

31.03.2009
3272.79

261.82
1242.70
751.18

(443.13)
547.57
5632.93

31.03.2009
3272.79

261.82
2152.71
(443.13)
388.74
5632.93
(Deebke[s kejes[es ceW)
31.03.2009
3272.79

650.56
2152.71
(443.13)
5632.93
*
388.74

* . 2485.40 kes eesodYetle oeefelJe kee 2/5 JeeB efnmmee iele mesJee eesodYetle oeefelJe kes efueS
DeefveefOeke oeefelJe kes he ceW Mes<e nw ~
V)

VI)

ceeveleeeehle yeerceebkeve ueeYe/neveer:

Je<e& kes efueS yeerceebkeve ueeYe/(neveer) oeefelJe
Je<e& kes efueS yeerceebkeve (ueeYe)/neveer eesefpele heefjmebheefeeeB
Je<e& kes efueS kegue (ueeYe)/neveer
Je<e& ceWs ceeveleeeehle yeerceebkeve (ueeYe)/neveer
De-ceeveleeeehle yeerceebkeve (ueeYe)/neveereeB

31.03.2010
806.44
971.72
165.28
165.28

31.03.2009
547.57
(388.74)
158.83
158.83

leguevehe$e leLee ueeYe SJeb neveer kes efJeJejCe ceW ceeveleeeehle nesvesJeeueer OevejeefMeeeB:
Je<e& kes Deble leke kes oeefelJekee Jele&ceeve cetue
Je<e& kes Deble leke keer eesefpele heefjmebheefeeeW kee mener cetue
efveefOeke efmLeleer (Ghejegkele mheerkejCe osefKees)
De-ceeveleeeehle yeerceebkeve (ueeYe)/neveer
leguevehe$e ceW ceeveleeeehle Meg heefjmebheeer/(oeefelJe)

31.03.2010
7129.36
7129.36
*

31.03.2009
5632.93
5632.93
*

156

53 rd Annual Report

II. Table Showing Changes in Present Value of Obligations:

Present Value of Obligation as at the beginning

of the year
Acquisition adjustment
Interest Cost
Past Service Cost (1/5th of total cost)*
Current Service Cost
Curtailment Cost / (Credit)
Settlement Cost / (Credit)
Benefits paid
Actuarial (gain)/ loss on obligations
Present Value of Obligation as at the end of the year

31.3. 2010

(figures in crore)
31.3.2009

5632.93
450.63
1242.70
1111.25
(501.71)
(806.44)
7129.36

3272.79
261.82
1242.70
751.18
(443.13)
547.57
5632.93

* Accrued past service liability of Rs 6213.48 crores as at 31/03/2007 has been spread over five years as per limited revision to
AS-15 (Rev)
III.

Table Showing changes in the Fair value of Plan Assets

Fair value of plan assets at beginning of the year

Acquisition Adjustment
Expected Return on Plan Assets
Contributions
Benefits Paid
Actuarial Gain /(Loss) on Plan Assets
Fair Value of Plan Assets at end of year

31.3. 2010
5632.93
450.63
2519.23
(501.71)
(971.72)
7129.36

(figures in crores)
31.3.2009
3272.79
261.82
2152.71
(443.13)
388.74
5632.93

31.3.2010
5632.93
521.09
2519.23
(501.71)
7129.36
*
(971.72)

(figures in crores)
31.3.2009
3272.79
650.56
2152.71
(443.13)
5632.93
*
388.74

IV. Tables showing Fair Value of Plan Assets

Fair value of plan assets at beginning of the year

Acquisition Adjustments
Actual Return on Plan Assets
Contributions
Benefits Paid
Fair value of plan assets at the end of year
Funded Status
Excess of actual over estimated return on plan assets

2/5th of the accrued liability amounting to Rs 2485.40 crores is remaining as unfunded liability for past service accrued liability.
V.

Actuarial Gain / Loss Recognized

Actuarial gain/(loss) for the year - Obligation

Actuarial (gain)/loss for the year - Plan Assets
Total (gain) / loss for the year
Actuarial (gain) / loss recognized in the year
Unrecognized actuarial (gains) / losses

31.3.2010
806.44
971.72
165.28
165.28
0

(figures in crores)
31.3.2009
547.57
(388.74)
158.83
158.83
0

VI. The Amounts To Be Recognized In Balance Sheet And Statements Of Profit And Loss
(figures in crores)
31.3.2010
31.3.2009
Present Value of Obligation as at the end of the year
7129.36
5632.93
Fair Value of Plan Assets as at the end of the year
7129.36
5632.93
Funded Status(see above explanation)
(Refer *)
(Refer *)
Unrecognized Actuarial (gains) / losses
Net Asset / (Liability) Recognized in Balance Sheet
-

157

53

VII)

ueeYe SJeb neveer kes efJeJejCe ceW ceeveleeeehle Jee :

Jele&ceeve mesJee ueeiele cetue
iele mesJee ueeiele cetue (Ghejegkele * osefKees)
yeepe ueeiele cetue
eesefpele heefjmebheefeeeW hej Dehesef#ele ueeYe
mebef#ehle ueeiele cetue/(pecee)
efveheeje ueeiele cetue/(pecee)
Je<e& ceW ceeveleeeehle Meg yeerceebkeve (ueeYe)/neveer
ueeYe SJeb neveer kes efJeJejCe ceW ceeveleeeehle Jee

31.03.2010
1111.25
1242.70
450.63
(450.63)

165.28
2519.23

31.03.2009
751.18
1242.70
261.82
(261.82)

158.83
2152.71

31.03.2010
8.00
6.00
5.00
9.65
17.87

31.03.2009
8.00
6.00
5.00
9.55
18.25

(Deebke[s kejes[es ceW)

31.03.2010
21.57

1.72
2.48
3.41

(0.74)
(0.17)
28.61

31.03.2009
17.42

1.40
2.49
1.22

(0.28)
(0.67)
21.57

(Ie) kece&eejer efveJe=eerJesleve eespevee 1995 oeefelJe :

FveceW ecegKe hetJee&vetceeve nw: 1) efjeeeleer ojW 2) Jesleve Je=ef
I)

II)

hetJee&vegceeve :
efjeeeleer ojW
Jesleve Je=ef kee oj (cetue Jesleve + cenbieeF& Yeee)
efveJe=eer Jesleve - Je=ef kee oj
eesefpele heefjmebheefeeeW hej ueeYe kee oj
kece&eeefjeeWkee Dehesef#ele GJe&efjle keee&keeue (Je<e&)

oeefelJeeWkes Jele&ceeve cetueeW ceW heefjJele&ve oMee&vesJeeueer meteer:

Je<e& keer MegDeele ceW oeefelJeeWkee Jele&ceeve cetue
DeefOeenCe meceeeespeve
yeepe ueeiele cetue
iele mesJee ueeiele cetue (1/5 ketue cetue)*
Jele&ceeve mesJee ueeiele cetue
mebef#ehle ueeiele cetue (pecee)
efveheeje ueeiele cetue (pecee)
Deoe efkeee ieee ueeYe
oeefelJeeWhej yeerceebkeve (ueeYe)/neveer
Je<e& kes Deble leke kes oeefelJeeWkee Jele&ceeve cetue
*

III)

31.03.2007 leke ` 12.41 kejes[ keer eesoYedle Jele&ceeve mesJee oeefelJe kees
S. Sme. 15 (megOee.) keer efmeefcele mebMeesOeve kes Devegmeej heeBe meeueeW ceW mecee efJemleej efkeee ieee nw ~

eesefpele heefjmebheefeeeW kes mener cetue ceW yeoue oMee&vesJeeueer meteer:

Je<e& keer MegDeele ceW eesefpele heefjmebheefeeeW kee mener cetue
DeefOeenCe meceeeespeve
eesefpele heefjmebheefeeeWhej Dehesef#ele ueeYe
DebMeoeve
Deoe efkeee ieee efnleueeYe
eesefpele heefjmebheefeeeWhej yeerceebkeve ueeYe/(neveer)
Je<e& kes Deble leke keer eesefpele heefjmebheefeeeWkee mener cetue

158

31.03.2010
21.57

1.72
6.34
(0.74)
(0.28)
28.61

31.03.2009
17.42

1.40
4.15
(0.28)
(1.12)
21.57

53 rd Annual Report

VII.

Expense Recognized in the Statement of Profit And Loss

Current Service Cost

Past Service Cost
Interest Cost
Expected Return on Plan Assets
Curtailment Cost / (Credit)
Settlement Cost / (Credit)
Net actuarial (gain)/ loss recognized in the year
Expenses Recognized in the statement
Of profit and loss
D)

I.

(figures in crores)
31.3.2009
751.18
1242.70
261.82
(261.82)
158.83
2152.71

31.3.2010
8.00%
6.00%
5.00%
9.65%

31.3. 2009
8.00%
6.00%
5.00%
9.55%

17.87

18.25

31.3. 2010

(figures in crores)
31.3.2009

21.57
1.72
2.48
3.41
(0.74)
0.17
28.61

17.42
1.40
2.48
1.22
(0.28)
(0.67)
21.57

Regular Part-Time Employees Pension Scheme 1999 Liability

The principal assumptions are the (1) discount rate & (2) Salary Increase.
Assumptions:

Discount Rate
Rate of increase in salary(Basic+DA)
Rate of pension increase
Rate of Return on Plan Assets
Expected Average remaining working lives
Of employees (years)
II.

31.3.2010
1111.25
1242.70
450.63
(450.63)
165.28
2519.23

Table Showing Changes in Present Value of Obligations :

Present Value of Obligation as at the beginning

of the year
Acquisition adjustment
Interest Cost
Past Service Cost (1/5th of total cost)*
Current Service Cost
Curtailment Cost / (Credit)
Settlement Cost / (Credit)
Benefits paid
Actuarial (gain)/ loss on obligations
Present Value of Obligation as at the end of the year

* Accrued past service liability of ` 12.41 crores as at 31/03/2007 has been spread over five years as per limited
revision to AS-15 (Rev)
III.

Table Showing changes in the Fair value of Plan Assets

Fair value of plan assets at beginning of the year

Acquisition Adjustment
Expected Return on Plan Assets
Contributions
Benefits Paid
Actuarial Gain /(Loss) on Plan As
Fair Value of Plan Assets at end of year

31.3.2010
21.57
1.72
6.34
(0.74)
(0.28)
28.61

(figures in crores)
31.3.2009
17.42
1.40
4.15
(0.28)
(1.12)
21.57

159

53

IV)

eesefpele heefjmebheefeeeW kes mener cetue ceW oMee&vesJeeueer meteer:

Je<e& keer MegDeele ceW eesefpele heefjmebheefeeeW kee mener cetue
DeefOeenCe meceeeespeve
eesefpele heefjmebheefeeeWhej JeemleefJeke ueeYe
DebMeoeve
Deoe efkeee ieee ueeYe
Je<e& keer Deble leke keer eesefpele heefjmebheefeeeW kee mener cetue
efveefOeke efmLeefle
eesefpele heefjmebheefeeeWhej Devegceeefvele ueeYe kees es[kej JeemleefJeke ueeYe kee DeefOeMes<e

31.03.2010
21.57

0.45
6.34
(0.74)
28.61
*
(0.28)

31.03.2009
17.42

0.28
4.15
(0.28)
21.57
*
(1.12)

ceeveleeeehle yeerceebkeve ueeYe/neveer:

Je<e& kes efueS yeerceebkeve ueeYe/(neveer) oeefelJe
Je<e& kes efueS yeerceebkeve (ueeYe)/neveer eesefpele heefjmebheefeeeB
Je<e& kes efueS kegue (ueeYe)/neveer
Je<e&Yej ceW ceeveleeeehle yeerceebkeve (ueeYe)/neveer
De-ceeveleeeehle yeerceebkeve (ueeYe)/neveereeB

31.03.2010
(0.17)
0.28
0.45
0.45

31.03.2009
(0.67)
1.12
0.45
0.45

leguevehe$e leLee ueeYe SJeb neveer kes efJeJejCe he$e ceW ceeveleeeehle nesvesJeeueer OevejeefMeeeB:
Je<e& kes Deble leke kes oeefelJeeWkee Jele&ceeve cetue
Je<e& kes Deble leke keer eesefpele heefjmebheefeeeW kee mener cetue
efveefOeke efmLeleer (Ghejeskele mheerkejCe osefKees)
De-ceeveleeeehle yeerceebkeve (ueeYe)/neveereeB
leguevehe$e ceW ceeveleeeehle Meg heefjmebheeer/(oeefelJe)

31.03.2010
28.61
28.61
*

31.03.2009
21.57
21.57
*

ueeYe SJeb neveer kes efJeJejCe ceW ceeveleeeehle Jee :

Jele&ceeve mesJee ueeiele cetue
HetJe& mesJee ueeiele cetue
yeepe ueeiele cetue
eesefpele heefjmebheefeeeWhej Dehesef#ele ueeYe
mebef#ehle cetue/(pecee)
efveheeje cetue/(pecee)
Je<e& ceW ceeveleeeehle Meg yeerceebkeve (ueeYe)/neveer
ueeYe SJeb neveer kes efJeJejCe ceW ceeveleeeehle Jee

31.03.2010
3.41
2.48
1.72
(1.72)

0.45
6.34

31.03.2009
1.22
2.48
1.40
(1.40)

0.45
4.15

* ` 4.96 kejes[ kes eesodYetle oeefelJe kee 2/5 JeeB efnmmee iele mesJee eesodYetle oeefelJe kes efueS
DeefveefOeke oeefelJe kes he ceW Mes<e nw ~
V)

VI)

VII)

(Ke) Jeefj uesKee veerefleeeB:

1) leweejer kee DeeOeej efJeeere efJeJejCe meeceeveleee mJeerkeee& uesKee efmeebleeW SJeb yeercee efJeefveeeceke SJeb efJekeeme eeefOekejCe (efJeeere efJeJejCe SJeb yeercee kebheefveeeW kes uesKee hejer#ekeeW keer efjhees& leweej
kejvee) efJeefveece 2002 kes Devegmeej leweej efkeee ieee nw ~

160

53 rd Annual Report

IV.

Tables showing Fair Value of Plan Assets

Fair value of plan assets at beginning of the year

Acquisition Adjustments
Actual Return on Plan Assets
Contributions
Benefits Paid
Fair value of plan assets at the end of year
Funded Status
Excess of actual over estimated return on plan assets

31.3.2010
21.57
0.45
6.34
(0.74)
28.61
*
(0.28)

(figures in crores)
31.3.2009
17.42
0.28
4.15
(0.28)
21.57
*
( 1.12)

* 2/5th of the accrued liability amounting to ` 4.96 crores is remaining as unfunded liability for past service accrued
liability.

V.

Actuarial Gain / Loss Recognized

Actuarial gain/(loss) for the year - Obligation

Actuarial (gain)/loss for the year - Plan Assets
Total (gain) / loss for the year
Actuarial (gain) / loss recognized in the year
Unrecognized actuarial (gains) / losses
VI.

(figures in crores)
31. 3. 2009
(0.67)
1.12
0.45
0.45
-

The Amounts To Be Recognized In Balance Sheet And Statements Of Profit And Loss

Present Value of Obligation as at the end of the year

Fair Value of Plan Assets as at the end of the year
Funded Status
Unrecognized Actuarial (gains) / losses
Net Asset / (Liability) Recognized in Balance Sheet
VII.

31.3.2010
(0.17)
0.28
0.45
0.45
-

31.3.2010
28.61
28.61
(Refer *)
-

(figures in crores)
31. 3. 2009
21.57
21.57
(Refer *)
-

31.3.2010
3.41
2.48
1.72
(1.72)
0.45

(figures in crores)
31. 3. 2009
1.22
2.48
1.40
(1.40)
0.45

6.34

4.15

Expense Recognized In The Statement Of Profit And Loss

Current Service Cost

Past Service Cost
Interest Cost
Expected Return on Plan Assets
Curtailment Cost / (Credit)
Settlement Cost / (Credit)
Net actuarial (gain)/ loss recognized in the year
Expenses Recognized in the statement
Of profit and loss
(B) SIGNIFICANT ACCOUNTING POLICIES:
1.

Basis of Preparation:
The Financial Statements have been prepared in accordance with the generally accepted accounting principles and in
accordance with the provisions of the Insurance Regulatory and Development Authority (Preparation of Financial Statements
and Auditors Report of Insurance Companies) Regulations 2002.

161

53

2) jepemJe ceevelee
(ke) peneB keneR ose nes eerefceece kees Deee kes he ceW ceevelee oer ieF& nw ~ peneB Yegieleeve keer ceeHeer DeJeefO e meceehle veneR ngDeer nes SJeb efpevekes efheues efkemleeW kee Yegieleeve efkeee
ieee nes, Ssmes ose efkeMleeW kees Deee kes he ceW ceevelee oer ieeer nw ~ menYeeieer JeJemeee ceW Yegieleeve keer ose efleLeer FkeeFeeW kes efvecee&Ce keer efleLeer yejeyej nesleer nw ~
(Ke) peye leke DeveLee GefuueefKele ve nes Deee SJeb Jeekes ceoeW keer ieCevee meeceeveleee eesodYetle DeeOeej hej keer ieF& nw ~
(ie) meYeer $e+Ce eefleYetefleeeW kes mebyebOe ceW yeepe keer Deee, efpeveceW kepex, ef[yesvej leLee yee@v[ Deewj ie=n mebheefe kes eefle efiejJeer ke]pex Meeefceue nQ, yeercee efJeefveeeceke Deewj efJekeeme
eeefOekejCe kes efoMeeefveoxMeeW kes Devegmeej jepemJe Keeles ceW esef[ keer peeleer nw ~
(Ie) ceeOeefceke yeepeej mes mejkeej ee Deve Devegceesefole eefleYetefleeeW keer Kejero ee efyeeer kes mebyebOe ceW KeefC[le DeJeefOe kee yeepe vekeo DeeOeej hej efueee ieee nw ~
(*) yeepe, ueeYeebMe efkejeee Deeefo mekeue cetue DeeOeej hej efueee ieee nw (Deeekej keewleer kes hetJe&) ~
(e) mejkeej Deewj Deve Devegceesefole eefleYetefleeeW SJeb yebOeke $e+CeeW kes mebyebOe ceW legueve he$e keer leejerKe kees eesodYetle yeepe keer ieCevee eefle Je<e& 360 efoveeW hej DeeOeeefjle keer ieF&
nw ~
() eefleYetefleeeW/FefkeJeefeeW keer efyeeer hej ueeYe ee neefve kesJeue efyeeer Je<e& ceW jepemJe ceW efueee ieee nw ~
(pe) meYeer ueeYeebMe peneB Gvekes eehle kejves kee DeefOekeej 31 ceee& kees ee Gmekes henues nes Gmes Deee kes he ceW efueee ieee nw Yeues ner Jen yeeo ceW eehle ngS nes ~
(Pe) hee@efuemeer $e+CeeW hej yeepe kee uesKeekejCe eesodYeJeve kes DeeOeej hej efkeee peelee nw ~
(ve) n ceefnveeW mes peeoe yekeeee efkejeee ~ ueeemevme-Heerme mes mecyeefvOele efkejeee Deee kees, Deee kes he ceW ceevelee veneR oer ieeer nw ~
3) DeefOeenCe ueeieleW
DeefOeenCe ueeielees kees Kee& kes Je<e& ceW efoKeeee ieee nw ~
4) oeJeW
(ke) oeJeeW keer ueeieleeW ceW peneB keneR ueeiet nes hee@efuemeer ueeYe jeefMe SJeb oeJee meceeeespeve ueeiele Meeefceue nw ~
(Ke) yekeeee ce=leg oeJeeW kes eeJeOeeve Gve hee@efueefmeeeW kes efuees efkeS ieS nQ peneB 31 ceee& leke ce=leg keer metevee eehle ngF& nw ~
5) efveJesMe
(ke) eefleose Jejerelee MesejeW SJeb mejkeejer eefleYetefleeeW meefnle $e+Ce eefleYetefleeeWkees heefjhekeJeleekes efueS Oeeefjle kes he ceW ceevee ieee nw leLee cetue MeesOeve kes DeOeerve
efvecveevegmeej Ssefleneefmeke ueeiele hej GefuueefKele efkeS ieS nQ:
i.

yeer.efJe.efJe. ee. kes efoMee efveoxMeeW kes Devegmeej FkeeF& mebye eespevee ceW peneB meYeer $e+Ce eefleYetefleeeB yeepeej cetue hej oMee&F& peeeWieer kes DeueeJee meYeer JeieeX kes
JeJemeee ceW peneB mejkeejer eefleYetefleeeW kes JeneR cetue ele#e cetue mes DeefOeke nQ, eerefceece (DeblejjeefMe) kees Oeeefjlee/heefjhekeJelee keer Mes<e DeJeefOe ceW meceeblej DeeOeej hej
heefjMeesefOele efkeee peeSiee ~
ii.

meYeer JeieeX kes JeJemeee ceW peneB efJeceese DeefOeceeveer MesejeW kes yener cetue ele#e cetue mes DeefOeke nw eerefceece (DeblejjeefMe) kees Oeeefjlee/heefjhekeJelee keer Mes<e
DeJeefOe ceW meceeblej DeeOeej hej heefjMeesefOele efkeee peeSiee ~

(Ke) metefeye FefkeJeer eefleYetefleeeB pees meefee yeepeejeW ceW Jeeheej keer peeleer nw GvnW legueve he$e keer leejerKe kees mener cetue hej ceehee ieee nw leLee FefkeJeer eefleYetefleeeW kes eeuet
jeefMe ceW heefjJele&ve, mener cetue heefjJele&ve KeeleW ceW jKee ieee nQ ~
(ie) Demeteerye FefkeJeer eefleYetefleeeB SJeb meteerye FefkeJeer eefleYetefleeeB meefee yeepeejeW ceW efveeefcele he mes efpevekee Jeeheej veneR neslee GvnW Ssefleneefmeke ueeiele ceW mes Ssmes
efveJesMeeW ceW mes cetueNneme kes eeJeOeeve kees Ieekej ceehe keer peeleer nw ~
(Ie) ceeOeefceke yeepeej mes FefkeJeer MesejeW keer Kejero ee efyeeer kes DeueeJee meYeer efveJesMeeW keer ieCevee vekeoer DeeOeej hej keer ieF& nw ~
(*) efveJesMe mebheefeeeW kes cetue kee GuuesKe Jekele jeefMeeeW hej efkeee ieee nw ~ efveJesMe mebhheefe kes eeuet jeefMe ceW heefjJele&ve hegvecet&ueebkeve Deej#eCe ceW jKee ieee nw ~
(e) yeer.efJe.efJe. ee. kes efveoXMeeW kes Devegmeej meneesie efveefOe efveJesMeeW kees 31 ceee& kees Gefele cetueeWhej efvekeeuee ieee nw ~
6) Deeue heefjmecheefleeeB
(ke) Deeue heefjmecheefleeeW kee cetue Gvekes ueeiele cetueeW ceW mes cetueNneme kees kece kej oMee&ee ieee nw ~
(Ke) efvecee&CeeOeerve SJeb keypee keer ieF& mebheefeeeW hej Deoe keer ieF& jeefMe efpevekee euesKeve uebefyele nw GvnW YeJeve mebheefe SJeb Yetefce kes Debleie&le efoKeeee ieee nw ~

162

53 rd Annual Report

2.
a)

Revenue Recognition:
Premiums are recognized as income when due, for which grace period has not expired and the previous installments have
been paid. In case of Linked Business, the due date for payment is taken as the date when the associated units are created.
Items of Income and Expenditure are generally accounted for on accrual basis unless otherwise stated.
Interest income in respect of all debt securities including loans, debentures and bonds and mortgage loans against House
Property is taken credit to the Revenue Account as per the guidelines issued by Insurance Regulatory and Development
Authority.
In respect of purchase or sale of Government and other approved securities from secondary market, interest for the broken
period is accounted on cash basis.
Interest, Dividend, Rent, etc. are accounted at gross value (before deduction of Income Tax)
In respect of Government and other approved securities and mortgage loans, accrued interest as at the date of the balance
sheet is calculated based on 360 days a year.
Profit or Loss on sale of Securities/Equities is taken to Revenue only in the year of sale.
All dividends where right to receive the same have fallen due on or before 31st March are taken as income though received
subsequently.
Interest on policy loans is accounted for on accrual basis.
Rental income in respect of rent/license fees which is in arrear for more than 6 months is not recognized as income.

b)
c)

d)
e)
f)
g)
h)
i)
j)

3. Acquisition Costs:
Acquisition Costs are expensed in the period in which they are incurred. Acquisition costs are those costs that vary with and
are primarily related to the acquisition of new and renewal insurance contracts.

4. Claims:
a)
b)

Claims costs consist of the policy benefit amount and claims settlement costs, wherever applicable.
Provision for outstanding death claims is made for those policies where the intimation of death has been received upto 31st
March.

5. Investments:
a)
(i)

Debt Securities including Government Securities and Redeemable Preference Shares are considered as held to maturity
and the value is disclosed at historical cost subject to amortization as follows:
Debt Securities including Government Securities, where the book value is more than the face value, the premium will be
amortised on straight line basis over the balance period of holding/maturity in all classes of business except Unit Linked Plan
where all the debt securities will be shown at market value in terms of IRDA guidelines.

(ii) Redeemable Preference Shares, where the book value is more than the face value, the premium will be amortised on a
straight line basis over the balance period of holding/maturity in all classes of business.
b)

f)

Listed equity securities that are traded in active markets are measured at fair value on the balance sheet date and the change
in the carrying amount of equity securities is taken to Fair Value Change Account.
Unlisted equity securities and listed equity securities that are not regularly traded in active markets are measured at historical
cost less provision for diminution in value of such investments.
All Investments are accounted on cash basis except for purchase or sale of equity shares from the secondary market.
The value of Investment Properties is disclosed at the Revalued amounts and the change in the carrying amount of the
investment property is taken to Revaluation Reserve.
Mutual fund investments are valued on fair value basis as at 31st March as per IRDA directive.

6.

Fixed Assets:

a)
b)

Values of the fixed assets are stated at cost less depreciation.

Property under construction and amounts paid for the properties taken in possession, pending documentation, are accounted
under House Property and Land.

c)
d)
e)

163

53

7) cetueNneme
eyebOeve eje eLee Devegceeefvele heefjmecheefleeeW kes Gheeesieer peerJeve hej DeeOeeefjle meceeblej lejerkes kee Fmlesceeue kejkes Deeue heefjmecheefeeeW hej cetueNneme yeleeee ieee nw ~
Je<e& kes oewjeve Kejeroer ieF&/yeseer ieF& heefjmecheefeeeW kes efueS cetueNneme eLeevegheele eYeeefjle efkeee ieee nw ~

8) peerJeve hee@efueefmeeeW keer oselee

efveiece kes peerJeve yeercee JeJemeee kes Jeeef<e&ke peeBe kes DevegmejCe ceW heeefuemeerOeejkeeW keer oseleeSb efveiece kes efveegkele yeerceebkekees eje efveOee&efjle keer peeleer nw ~
9) efJeosMeer cege mebJeJenej
(ke) mebyebefOele osMeeW kes meebefJeefOeke efJeefveeceveeW kes Devegmeej efJeosMeer JeJemeee mes mebyebefOele peerJeve efveefOe kee efveJesMe efkeee ieee nw ~
(Ke) Je<e& kes Deble ceW efJeosMeeW keer MeeKeeDeeW kee efJeeere efJeJejCe mLeeveere efJeefOeeeW kes Devegmeej leweej efkeee ieee nw leLee mecegefele ojeW hej heefjJele&ve efkeee ieee nw, efmeJeee
megJee (efHepeer) MeeKee efpemekes efueS eefle Je<e& 31 efomecyej kes efJeeere efJeJejCe mes mecegefele ojeW hej heefjJele&ve efkeee peelee nw keeeWefke MeeKee kee uesKee kewuesC[j Je<e& kes
DeeOeej hej leweej efkeee peelee nw ~
(ie) Gheeg&kele kes keejCe nesvesJeeueer efJeefvecee oj keer ieCevee meeceeveleee mJeerkeee& uesKee eueve kes Devegmeej keer ieF& nw ~
(Ie) Yeejle mes Yespes ieS es<eCeeW eje Yeejle kes yeenj efkeS ieS efveJesMeeWkeer ieCevee cetue heS keer ueeiele ee MeerIe DeefYeefueefKele heS keer ueeiele hej efkeee peelee nw, peneB cetue
ueeiele GheueyOe ve nes ~
10) Devegeeespe heefjmecheefeeeW kes efueS heefjmecheefeeeW kee JeieeakejCe SJeb eeJeOeeve
(ke) $e+Ce, ef[yeWej, SJeb yeeb[, leLee YeJeve mebheefe kees efiejJeer jKekej efueS ieS $e+Ce keer heefjmecheefeeeW kees Jemetueer kes efjkee[& hej DeeOeeefjle efvecve lejn mes Jeieeake=le efkeee ieee
nw ~
i. ceeveke
ii. Gheceeveke
iii. mebefoiOe SJeb
iv. vegkemeeve heefjmecheefeeeB
yeercee efJeefveeeceke Deewj efJekeeme eeefOekejCe eje peejer efoMeeefveoxMees kes Devegmeej ~
(Ke) yeercee efJeefveeeceke Deewj efJekeeme eeefOekejCe eje yeercee mebmLeeveeW kees peejer efoMeeefveoxMees kes Devegmeej Devegeeespe $e+CeeW, ef[yeWejeW SJeb yeeB[eW SJeb YeJeve mebheefe kees efiejJeer
jKekej $e+Ce kes efueS eeJeOeeve efkeee ieee nQ ~
11) mesJeeefveJe=efe ueeYe
(ke) efveiece eje peejer mecetn Gheoeve yeercee heeefuemeer kes ceeOece mes kece&eeefjeeW kees Gheoeve (efyeceebkeve cetueebkeve hej DeeOeeefjle ) GheueyOe kejeee peelee nw ~ Fme lejn Gme
mebyebOe ces oselee peerJeve efveefOe kee Yeeie efveefce&le kejlee nw ~
(Ke) Gve kece&eeefjeeW kes mebyebOe ceW efpevneWves YeefJe<e efveefOe eespevee egveer nw, Gmeer lejn kee DebMeoeve YeefJe<e efveOeer veeme kees efkeee peelee nw ~
(ie) Gve kece&eeefjeeW kes mebyebOe ceW efpevneWves YeefJe<e efveefOe kes mLeeve hej heWMeve eespevee egveer nw Gvekes efueS Yeejle mejkeej eje DeefOemetefele heWMeve efveeceeW kes Devegmeej efveiece
kee DebMeoeve heWMeve efveefOe veeme ceW efoee peelee nw ~ Deewj en DebMeoeve, iele mesJee DebMeoeve kees efceueekej, yeerceebkeve ieCevee hej DeeOeeefjle neslee nw ~
(Ie) mesJeeefveJe=efe hej DeJekeeMe vekeoerkejCe ueeYe kee eeJeOeeve (efyeceebkeve cetueebkeve hej DeeOeeefjle ) efveiece eje peejer efkeS ieS mecetn DeJekeeMe vekeoerkejCe yeercee heeefuemeer
eje efkeee peelee nw Deewj FmeefueS, Gme mebyebOe ceW oselee peerJeve efveefOe kee Yeeie efveefce&le kejlee nQ ~
12) eeJeOeeve, mebYeeJe oseleeSb Deewj mebYeeJe heefjmebheefeeeB
peye en mebYeeJevee nes efke efkemeer oeefelJe kees efveheeves kes efueS Ssmes mebmeeOeveeW kee yeefnJee&n Dehesef#ele nesiee efpeveceW DeeefLe&ke ueeYe meceeefJele neW lees efJeMJemeveere Devegceeve kes
DeeOeej hej eeJeOeeve kej efoee peelee nw ~ mebYeeJe oseleeSb (hee@efueefmeeeW kees es[kej), eefo cenJehetCe& nes, efhheefCeeeW eje oMee&eer peeleer nQ ~ mebYeeJe heefjmebheefeeeW kees
efJeeere efJeJejCeeW ceW ceevelee veneR oer peeleer Deewj ve ner oMee&ee peelee nw ~

164

53 rd Annual Report

7. Depreciation:
Depreciation on fixed assets is provided using the straight line method, based on useful lives of assets as estimated by the
management. Depreciation is charged on pro-rata basis for assets purchased/sold during the year. Leasehold land &
building is written off on a pro-rata basis.

8.

Liability for Life Policies:

The liabilities towards Policyholders are determined by the Corporations Appointed Actuary pursuant to his annual investigation
of the Corporations life insurance business.

9.

Foreign Currency Transactions:

a)
b)

Life Fund relating to foreign business has been invested according to the statutory regulations of the respective countries.
Financial Statements of branches in foreign countries as at the year end are prepared in accordance with local laws and are
translated at appropriate rates of exchange except for Suva (Fiji) branch, for which the conversion is done at appropriate rates,
from the financial statement as at 31st December, each year, since the accounts of the branch are prepared on calendar year
basis.
c) The exchange difference arising on account of the above is accounted for as per generally accepted accounting practice.
d) Investments made outside India by remittances sent from India are accounted for at original rupee cost or at the earliest
recorded rupee cost, where original cost is not available.
10. Asset Classification and Provisioning for Non-Performing Assets:
a)
i)
ii)
iii)
iv)

b)

Assets representing Loans, Debentures and Bonds and Mortgage Loans against House Property are classified based on
record of recovery as:
Standard
Sub-standard
Doubtful and
Loss Assets
As per the guidelines issued to Insurance Companies by Insurance Regulatory and Development Authority.
Provisioning for Non-Performing loans, debentures and bonds and Mortgage Loans against House Property is made as per
the guidelines issued by Insurance Regulatory and Development Authority.

11. Retirement Benefits:

a)
b)
c)

d)

Gratuity to employees is provided for (on the basis of Actuarial Valuation) through a Group Gratuity Insurance Policy issued by
the Corporation and as such, the liability in respect thereof, forms part of the Life Fund.
In respect of employees who have opted for Provident Fund Scheme, matching contribution is made to the Provident Fund
Trust.
In respect of employees who have opted for Pension Scheme, in lieu of Provident Fund Scheme, the Corporations contribution
is made to the Pension Fund Trust, in accordance with the Pension Rules notified by the Government of India and the said
contribution including past service contribution is made on the basis of Actuarial calculation.
Leave Encashment Benefits on retirement are provided for ( on the basis of Actuarial Valuation) through a Group Leave
Encashment Insurance Policy issued by the Corporation and as such, the liability in respect thereof, forms part of the Life Fund.

12. Provisions, Contingent Liabilities and Contingent Assets.

A Provision is made based on a reliable estimate when it is probable that an outflow of resources embodying economic
benefits will be required to settle an obligation. Contingent liabilities (other than policies), if material, are disclosed by
way of notes. Contingent assets are not recognized or disclosed in the financial statements.

165

53

(ie) Deefleefjkele efJe<ee GodIeeve

1) meebefJeefOeke Dehes#eeDeeW kes Devegmeej efkeee ieee efveJesMe (eyebOeve eje eLee eceeefCele)
MeeKee
eefleYetefleeeW kee ekeej

et.kes.
ceejerMeme
efHepeer

yener cetue (ueeKe ` ceW)

eeuet Je<e&
efheues Je<e&

8 er. Deej. Sme. Jeee. meke

SHe. [er. 5Sce 14 mes
12.31 SJeb 7.23 & 5.45 SHe.peer.Deej. meke

150
1822

143
154
2054

2) Deee keer ceevelee kes GsMe mes eeespe / Devegeeespe efveJesMeeW kee kepe& ($e+Ce leLee Deefece jeefMe) cebs efJeYeepeve (eyebOeve eje eLee eceeefCele)
jeefMe (ueeKe ` ceW)
eeuet Je<e&
efheues Je<e&
ke)
DemebyebOe JeJemeee
eeespe efveJesMe
20486797
17631704
Devegeeespe efveJesMe
246341
432578
Ke)
hetB. cees. (efve.Jee.me.) JeJemeee
eeespe efveJesMe
7726
7800
Devegeeespe efveJesMe
17
17

3) hegvemejevee
hegvemejevee
hegvemejevee
hegvemejevee

kes
kes
kes
kes

(` ueeKeeW ceW)
466017.05
437482.65
642.78
27891.62

DeOeerve $e+Ce heefjmebheefeeeW keer keguejeefMe

DeOeerve ceeveke heefjmebheefeeeW keer keguejeefMe
DeOeerve Ghe-ceeveke heefjmebheefeeeW keer keguejeefMe
DeOeerve mebefoiOe SJeb vegkemeeveerle heefjmebheefeeeW keer keguejeefMe

4) Yeejle ceW ee Yeejle kes yeenj mLeeveere efJeefOeeeW kes Debleie&le efveiece eje keesF& Yeer heefjmecheefe pecee keer peeveer Dehesef#ele veneR nw ~
5) #es$eJeej JeJemeee kee eefleMele (pewmee efke eyevOeve eje eceeefCele efkeee ieee nw)
hee@efueefmeeeW keer mebKee
eeuet Je<e&
26.39
73.61

eeceerCe JeJemeee
Menjer JeJemeee

efheues Je<e&
24.28
75.72

6) efyeefYevve mejkeejer HeeefOekejCe Joeje efkeS ieS oC[elceke keee&Jeener kes efJe<ee kes GoIeeve

Deveg ke.

HeeefOekejCe

yeercee efJeefveeeceke SJeb

efJekeeme HeeefOekejCe

HeYeeefjle jkece (` ceW)

DeHeeueve/GuuebIeve

yeercee DeefOeefveece, 1938 keer Oeeje

105 (Ke) kes lenle efJeefee Je<e&
2008-09 kes efueS ieeceerCe #es$e
oeefelJe kee DevegHeeueve vee kejves kes
efueS efkeee ieee oC[~

oC[

Yegieleeve efkeee
ieee oC[

5,00,000

5,00,000

g efoee ngDee/ Ieeee

ngDee oC[
keg veneR

7) yeer.efJe.efJe.ee. eje efveOee&efjle efJeeere efJeJejCeeW kes mebef#ehle efJeJejCe heefjefMe 1 leLee 2 meueive osKeW ~
8) hee@efuemeerOeejkeeW kes Keeles SJeb MesejOeejkeeW kes Keeles kes yeere efveJesMeesb kes Deeyebve kee DeeOeej SJeb Gmehej Deee
MesejOeejkeeW kes leLee hee@efuemeerOeejkeeW kes efveJesMeeWhej eehle Deee mebyebefOele efveefOe ceW meefcceefuele efkeee ieee nw ~
eeeueve mes GheueyOe efveJesMe eesie DeefOeMes<e leLee hee@efuemeerOeejkeeW kes efveJesMeeW mes eehle Deee kees hee@ef uemeerOeejkeeW keer efveefOe ceW meefcceefuele efkeee ieee nw ~ Je<e& kes oewjeve
MesejOeejkeeW keer efveefOe keer Je=ef kees MesejOeejkeeW keer efveefOe ceW Meeefceue efkeee ieee nw ~
166

53 rd Annual Report

(C) ADDITIONAL DISCLOSURES:

1)

Investments made in accordance with the statutory requirements

(as certified by the Management)

2)

Branch

Type of Securities

UK
Mauritius
Fiji

8% TRSY Stock
FD 5M. @14%
12.31%, 7.23% & 5.45%
FGR Stock

1822

2054

Segregation into Performing/Non-performing investments in Debts (Loans & Advances) for the purpose of Income
recognition (as certified by the Management):
Current Year
Previous Year
Non Linked Business:
Performing investments:
` 20486797 lac
`17631704 lac
Non-performing investments:
` 246341 lac
` 432578 lac

(a)

(b) CRAC Business:

Performing investments
Non-performing investments
3)

Book Value (` in lacs)

Current Year
Previous Year
Nil
143
150
154

` 7726 lac
` 17 lac

` 7800 lac
` 17 lac

Total amount of loan assets subject to restructuring

` 466017.05 lac
Total amount of standard assets subject to restructuring
` 437482.65 lac
Total amount of sub standard assets subject to restructuring
` 642.78 lac
Total amount of doubtful & loss assets subject to restructuring ` 27891.62 lac

4)

No assets are required to be deposited under local laws by the Corporation in or outside India.

5)

Percentage of business sector-wise (as certified by Management)

No. of policies
Current Year
Previous Year
26.39%
24.28%
73.61%
75.72%

Rural business
Urban business
6)

Disclosures in respect of the penal actions taken by various Government Authorities:

Sr. No Authority

Amount in `

Non Compliance/ Violation

Penalty Awarded

Insurance Regulatory
and Development
Authority

Penalty under section

105B of Insurance
Act, 1938 for Non fulfillment
of Rural Sector
Obligations for the
F.Y. 2008-09.

Penalty Paid

5,00,000

5,00,000

Penalty waived/
reduced
NIL

7)

Summary of Financial Statements as prescribed by IRDA Refer Annexure 1 & 2

attached.

8)

Basis of allocation of investments and income thereon between Policyholders Account and Shareholders Account
Income accruing on investments held in Policyholders and Shareholders funds have been taken to the respective
funds. The investible surplus, arising out of operations and income on Policyholders investments, was invested in
Policyholders account. The accretions to shareholders fund during the year stands invested in shareholders fund.

167

53

9) 31.3.2010 kees meneesieer kebHeefveeeW kes yeepe kee efJelleere efJeJejCe (ues cee. 23)
meneesieer kebHeveereeW kes veece
Sue.Deee.meer.
ie=n efJee efue.

peer.yeer. meneesie efbveefOe

heefjmecHeefe heyebOeve keb. efue.

Yeejle

Yeejle

Yeejle

Yeejle

Yeejle

2. efveeb$eCe kee efnmmee

38.50%

49.50%

49.00%

100%

100%

3. HeefjmecHeefeeeB, oeefelJe, Deee leLee

Jee keer DevegHeeefleke jeefMe
(hees ueeKeeW ceW)
HeefjmecHeefeeeB

1549312

11061

1667

163

(1131219)

(5757)

(3)

(1707)

(100)

1. ceW mLeeefHele

oseleeSb

1418887

3939

0.24

135

123

(1045206)

(1844)

(1)

(182)

(27)

25494

3644

(0.05)

(33)

(20467)

(1087)

(1)

(31)

(-26.44)

keg vener
keg vener

keg vener
keg vener

keg vener
keg vener

keg vener
keg vener

keg vener
keg vener

kej Heeele ueeYe

4. HetBpeer JeeveyeleeDeeW ceW efnmmee

5. Deekeeqmceke osDeleeDeeW ceW efnmmee

Sue.Deee.meer. meneesie efbveefOe Sue.Deee.meer. efve. hesveve

Sue.Deee.meer.
veemeer keb. hee. efue.
efbveefOe efue.
kee[& meefJe&mesme efue.

kees<ke ( ) ceW efoS DeeBke[s efHeues Je<e& keer jeefMe oMee&les nQ ~

10) mebegkele GeceeW ceW Yeeieeroejer mebyebOeer 31.03.2010 kee efJeeere efJeJejCe (ues cee. 27)
mebegkele GeceeW kes veece
Sue.Deee.meer.
(vesHeeue) efue.

efJeJejCe

1. ceW mLeeefHele
2. efveeb$eCe kee efnmmee
3. HeefjmecHeefeeeB, oeefelJe, Deee leLee
Jee keer DevegHeeefleke jeefMe
(hees ueeKeeW ceW)
HeefjmecHeefeeeB

kesve Fbef[ee
DeMetjvme keb.

Sue.Deee.meer.
(uebkee) efue.

Sue.Deee.meer.
ceeefjMeme
Dee@heMeesDej efue.

Sme. DeeF&.
meer. meer.
DeeF&

vesHeeue

yenjerve

kesveee

eer uebkee

ceeefjMeme

meewoer

55.00%

97.80%

10%

75%

70%

10.20%

17207.11
(12312.14)

241116.35
(201617.42)

7122.35
(6805.23)

2125.67
(1817.47)

168.76
(190.05)

2149.00
(1442.34)

1373.70
(468.50)

205649.11
(184046.74)

6296.03
(6093.70)

1782.59
(1611.68)

0.96
(5.48)

1434.87
(342.97)

Deee

4027.89
(3066.19)

54824.37
(45490.47)

3275.46
(3025.30)

1125.34
(1033.31)

3.77
(4.36)

518.86
(44.44)

Jee

1070.54
(724.72)

48038.55
(40915.06)

2280.18
(2321.42)

1000.83
(1122.16)

1.37
(2.15)

770.46
(154.30)

keg vener
keg vener

keg vener
keg vener

keg vener
keg vener

keg vener
keg vener

keg vener
keg vener

keg vener
keg vener

oseleeSb

4. HetBpeer JeeveyeleeDeeW ceW efnmmee

5. Deekeeqmceke osDeleeDeeW ceW efnmmee
kees<ke ( ) ceW efoS DeeBke[s efHeues Je<e& keer jeefMe oMee&les nQ ~

170

Sue.Deee.meer.
(Deblejje<^er e)
yeerSmemeer (meer) yenjerve

53 rd Annual Report

9)

FINANCIAL REPORTING OF INTEREST IN ASSOCIATES - AS (23) AS AT 31.3.2010

NAME OF ASSOCIATE COMPANIES
LIC Housing
Finance Ltd.

LIC Mutual
Fund Asset
Management
Co. Ltd.

India

India

India

India

India

38.50%

49.50%

49.00%

100.00%

100.00%

1549312
(1131219)
1418887
(1045206)
25494
(20467)

11061
(5757)
3939
(1844)
3644
(1087)

2
(3)
0.24
(1)
(0.05)
(1)

1667
(1707)
135
(182)
6
(31)

163
(100)
123
(27)
(33)
(-26.44)

4. Share in Capital commitments

NIL

NIL

NIL

NIL

NIL

5. Share in contingent liabilities

NIL

NIL

NIL

NIL

NIL

1. Incorporated in
2.

Proportion of Holding

3. Proportionate amount of Assets,

Liabilities and Net Profit.
(Rs. in lac)
Assets
Liabilties
Profit after tax

LIC Mutual
Fund Trustee
Company
Pvt. Ltd.

LIC Pension
Fund Ltd.

LIC
Cards
Services Ltd.

*Figures in bracket ( ) indicate previous years figures.

10)

FINANCIAL REPORTING OF INTEREST IN JOINT VENTURES AS (27) AS AT 31.3.2010

Name of Joint Ventures
LIC (Nepal)
Ltd.

LIC
(International)
BSC(c), Bahrain

Kennindia
Assurance

Nepal

Bahrain

Kenya

Sri Lanka

Mauritius

Saudi

55.00%

97.80%

10%

75%

70%

10.20%

17207.11
(12312.14)

241116.35
(201617.42)

7122.35
(6805.23)

2125.67
(1817.47)

168.76
(190.05)

2149.00
(1442.34)

1373.70
(468.50)

205649.11
(184046.74)

6296.03
(6093.70)

1782.59
(1611.68)

0.96
(5.48)

1434.87
(342.97)

4027.89
(3066.19)

54824.37
(45490.47)

3275.46
(3025.30)

1125.34
(1033.31)

3.77
(4.36)

518.86
(44.44)

Expenses

1070.54
(724.72)

48038.55
(40915.06)

2280.18
(2321.42)

1000.83
(1122.16)

1.37
(2.15)

770.46
(154.30)

4. Share of capital commitments

NIL

NIL

NIL

NIL

NIL

NIL

5. Share of contingent liabilities

NIL

NIL

NIL

NIL

NIL

NIL

Particulars

1. Incorporated in
2. Proportion of holding company

LIC (Lanka)
Ltd.

Company

LIC (Mauritius)
Offshore

SICCI

Ltd.

3. The proportionate amount of Assets,

Liabilities, Income and Expenses
(Rs. in lacs)
Assets
Liabilities
Income

* Figures in brackets ( ) indicate previous year's figures.

171

53

11) mLeeeer HeefjmecHeefe Hej HeYeeefjle cetue - neme keer oj

ke. me.
ke
1
2
3
4

Ke
1
2
3

ie
1
2
3
4
5

Ie
1
2
3
4
5
6
7
8
9

Ie
1
2
3
4
5
6
7
8
9
10

le
1
2
3
4

172

mecHeefe
Heveeaej SJeb efHeefbime
Heveeaej SJeb efHeefbime
jseHf epejsj SJeb peue Meerleke
efkejeS Hej YeJeveeW ceW efJeegleGHekejCe/le HebKes
efkejeS Hej / efvepeer YeJeveeW ceW HebKes (syeue / Hes[smue)
metevee Heeweesefiekeer keer GHemkej
Fueske^e@efveke mebieCeke/ceeFkees Heesmesmej/efHebj
ceeFkees Heesmesmej kes efueS mee@HeJesDej
keexpe sHme leLee keexpe ef[mkeme
Jeenve
meeF&keue
ceesyeeF&ue Heeej Jeenve
meHe keej
peerHe
keeee&uee keej eespevee VI
keeee&uee GHemkej
kewverve GHemkej
uesKee ceMeerve
S[s^meesieeHe/S[s^cee leLee ye[cee ceMeerveW
bkeve ceMeerveW
[gefuHekesme&
eske efueKevesJeeuee
HeBefkeie ceMeerve
leguee ceMeerve
kee@cHeesceerme&, pees[ leLee Heefjkeueve eb$e
Deve
otjYee<ee
Hewkeme/ FHeerSyeerSkeme
ceesyeeF&ue Heesvme leLee Deve mebeejCe GHemkej
Hegmlekeeuee keer Hegmlekes
efJeefJeOe Hetpb eer GHemkej
ke eeJe leLee Deve mebyebefOele GHemkej
efveDee@ve efevn, GoerefHo efevn, efJe%eeHeve He SJeb Deve Heeej meeceieer
DeefYeeebef$ekeer efJeYeeie GHemkej j 5000/- mes peeoe
Jee@uspe msyeerueeFpej leLee etHeerSme
efkejeS Hej YeJeveeW ces pevejsme& [erpeer mesmed
Yetefce SJeb YeJeve
ie=n mecHeefe SJeb Yetefce (yebOeve cegkele)
ie=n mecHeefe SJeb Yetecf e (yebOeke)
menkeejer mebmLee ceW Kejeros ieS mJeeefcelJe Jeeues efveJeeme Keb[
ie=n mecHeefe (yebOeve cegkele SJeb yebOeke) ceW efJeegle mebmLeeHeve HebKes, efueHe SJeb pevejsj

cetue - neme keer oj

4%
10%
5%
5%
30%
30%
30%
15%
20%
20%
20%
20%
10%
30%
10%
10%
20%
10%
10%
10%
20%
10%
10%
30%
20%
10%
20%
20%
12.50%
30%
30%
2%

Hee DeJeefOe DeeOeeefjle eLeevegHeele

2%
5%

53 rd Annual Report

11) Rates of Depreciation charged on Fixed Assets

Sr.No.

Asset

Furniture and fittings

1
2
3

Furniture and fittings

Refrigerators and water coolers, etc.
Electric fittings and ceiling fans in
rented premises
Fans (table/pedestal) in rented/
owned premises

4
B

Information Technology Equipment

1
2
3

Electronic Computers/microprocessors
printers
Software for microprocessors
Cartridge tapes, cartridge discs

Vehicles

1
2
3
4
5

Cycles
Mobile Publicity Vans
Staff Cars
Jeeps
Office Cars- Scheme VI

Office Equipment

1
2
3

Canteen Equipment
Accounting machines
Addressograph, Adrema and Bradma
Machines, etc.
Typewriters
Duplicators
Cheque Writers
Franking machines
Weighing Machines
Comptometers, adding and calculating
Machines

4
5
6
7
8
9
E

Others

1
2
3

9
10

Telephones
Fax/Epabx
Mobile phones and other communication
equipment
Library Books
Miscellaneous Capital Equipment
Audio Visual & other Allied equipment
Neon signs, Glow signs, Hoardings
and other publicity materials
Engineering Departments equipment
costing over Rs.5000/Voltage stabilizers and UPS
Generators, DG sets in rented premises

LAND AND BUILDING

1
2
3

House Property and Land (Freehold)

House Property and Land (Leasehold)
Ownership Flats purchased in Co-op
Societies
Electrical Installations, fans, lifts and
generators in House Property(Freehold & Leasehold)

4
5
6
7
8

Rate of Depreciation

4%
10%
5%
5%

30%
30%
30%

15%
20%
20%
20%
20%

10%
30%
10%
10%
20%
10%
10%
10%
20%

10%
10%
30%
20%
10%
20%
20%
12.50%
30%
30%

2%
prorata based on lease period
2%
5%

173

53

12)

eeJeOeeveeW keer ieefle

emleeefJele ueeYeebMe kes efueS

DeefOeMes<e)
eejbefYeke Mes<e
Je<e& kes oewjeve eesie
Yeejle mejkeej kees oer ieF& jeefMe
Fefle Mes<e

( ` ueeKeeW ceW)
eeuet Je<e&

efheues Je<e&

92911.58
103092.27
92911.58
103092.27

82958.97
92911.58
82958.97
92911.58

1494305.60
0.00
0.00
1494305.60

1494305.60
0.00
0.00
1494305.60

(5% cetueve

13)
14)
15)

174

MeesOe#ecelee meercee kes efueS DeeJeMeke eeJeOeeve

eejbefYeke Mes<e
Je<e& kes oewjeve eesie
Je<e& kes oewjeve keewefleeeB
Fefle Mes<e

efveiece kes KeC[Jeej heefjmecheefleeeB leLee oeefelJeeW keer #es$eJeej peevekeejer eLee mebYeJe eehle keer nw ~
efJeeere efJeJejCeeW ceW keeske ( ) ceW efoS ieS Deebke[s $e+Ceelceke Mes<e yeleeles nQ ~
peneB kener DeeJeMeke neW efheues Je<e& kes Deeke[eW keeW Fme Je<e& kes Deebke[eW mes leguevee kes efueS efHej mes ueeee ieee nw ~

53 rd Annual Report

12) Movement of Provisions

( ` in lacs)

For Proposed Dividend

(5% Valuation Surplus)
Opening Balance
Addition during the year
Amount paid to Government of India
Closing Balance
Provision for reserve for solvency margin
Opening Balance
Addition during the year
Deduction during the year
Closing Balance

Current
Year

Previous
Year

92911.58
103092.27
92911.58
103092.27

82958.97
92911.58
82958.97
92911.58

1494305.60
0.00
0.00
1494305.60

1494305.60
0.00
0.00
1494305.60

13)

Segment wise assets and liabilities have been ascertained by the Corporation to the extent possible.

14)

Figures in bracket ( ) in financial statements indicate negative balances

15)

Previous years figures have been recast wherever necessary to make them

comparable with those of the Current Year.

Signature to Schedules 1 to 4, 6, 8 & 11 to 13

As per our report of even date

DevegmetefeeeB 1 mes 15 ke leke kes efueS nmlee#ej

Signature to Schedules 1 to 15A
Deej. kes. oerheke SC[ keb. kes efueS

Sue.kes.kespejerJeeue SC[ kebheveer kes efueS Sme.Ieesme SC[ kebheveer kes efueS

For R. K. Deepak & Co.

F.R.N. / keb.Heb.me./3145N

For L. K. Kejriwal & Co.

F.R.N. / keb.Heb.me./001368C

For S. Ghose & Co.

F.R.N. / keb.Heb.me./302184E

S. Dee@yesje@e (hee&vej)

Deej.mebievesefjee (hee&vej)

ebove eesheeOeee (hee&vej)

Arvind Uberoi (Partner)

me.e. M. No. 90479

R. Sanganeria (Partner)
me.e. M. No. 73232

Chandan Chattopadhay
(Partner)
me.e. M. No. 51254

Dee[gefkeee SC[ SmeesefmeSdme kes efueS

Sme.Sue.epes[ SC[ kebheveer kes efueS
For S.L. Chhajed & Co.
F.R.N. / keb.Heb.me./000709C

For Adukia & Associates

F.R.N. / keb.Heb.me./100048W

hebkepe Dee[gefkeee (hee&vej)

Sme.Sve.Mecee& (hee&vej)

Pankaj Adukia (Partner)

me.e. M. No. 222750

S.N. Sharma (Partner)

me.e. M. No. 71224

pes.Sve.Mecee& SC[ kebheveer kes efueS

kes.Jeiee&rme SC[ kebheveer kes efueS
For K. Varghese& Co .
F.R.N. / keb.Heb.me./004525S

For J. N. Sharma & Co.

F.R.N. / keb.Heb.me./000833C

kegCeeue Mecee& (hee&vej)

me@ce Jeiee&rme (hee&vej)
Sam Varghese (Partner)
me.e. M. No. 216979

Kunal Sharma (Partner)

me.e. M. No. 405919

meveoer uesKeekeej
Chartered Accountants

er. Sme. efJepeeve

DeOe#e

T. S. Vijayan

Chairman

Lee@ceme cewLet er.

eyebOe efveosMeke

Thomas Mathew T.

Managing Director

[er. kes. cesnjes$ee

D. K. Mehrotra

jeceveeLece SC[ jeJe kes efueS

efveiece kes meome

Members of the
Corporation

For Ramnatham & Rao

F.R.N. / keb.Heb.me./002934S

eesiesMe ueesefnee

kes. eerefveJeemeve (hee&vej)

Yogesh Lohiya

K. Sreenivasan (Partner)
me.e. M. No. 206421

efJe. kes. kegkejspee

keee& efveosMeke (efJe. SJeb ues.)

V. K. Kukreja

Executive Director (F & A)

meerJeerkes SC[ SmeesefmeSdme kes efueS

For CVK & Associates
F.R.N. / keb.Heb.me./101745W

er. Yeeie&Jee

efveegkele efyeceebkeke

T. Bhargava

Appointed Actuary

S.kes.heOeeve (hee&vej)
A.K. Pradhan (Partner)
me.e. M. No. 32156

keerle&ves SC[ hebef[le kes efueS

For Kirtane & Pandit
F.R.N. / keb.Heb.me./105215W

Mejo Yeeiekele (hee&vej)

cegcyeF&

: 05 Deiemle, 2010

Mumbai : 05th August, 2010

Sharad Bhagwat (Partner)

me.e. M. No. 008072

175

53

HeefjefMe<-I

efJeeere efJeJejCeeW kee meejebMe

Annexure-I
( ` ueeKeesW cesW)

Summary of Financial Statements

( ` in lac)

.
Sl.No.

efJeJejCe
Particulars

2009-10

2008-09

2007-08

2006-2007

2005-2006

18607731.08

15728803.85

14978998.65

12782284.09

9079222.36

18598591.22

15718655.04

14970558.79

12778225.94

9075919.72

11239509.87

4277572.55

5552217.58

4568238.99

4004640.18

34053.42

31837.66

113521.74

96010.79

134128.41

29872154.51

20028065.25

20636298.11

17442475.72

13214688.31

1211031.28

1003324.33

956809.65

916906.68

709491.94

0.00

0.00

0.00

0.00

0.00

1224582.42

906428.74

830932.06

708086.14

604156.06

2435613.70

1909753.07

1787741.71

1624992.82

1313648.00

8013419.77

5325036.86

5762341.30

5468216.70

3422434.88

11435267.15

10546698.03

8666442.41

7394339.39

6926622.66

103092.27

92911.58

82958.97

75780.89

62177.05

2979.53

2816.15

1561.58

1584.90

994.65

106071.68

95734.88

84462.59

77362.03

63158.01

0.00

0.00

0.00

0.00

0.00

106071.68

95734.88

84462.59

77362.03

63158.01

0.00

0.00

0.00

0.00

0.00

111741617.80

84127286.92

77659709.18

62566417.89

53121335.44

101366433.70

73052450.76

68258187.20

54555072.10

46493426.55

HeeefuemeerOeejkeeW kee Keelee

POLICYHOLDERS A/C

mekeue eerefceece Deee

1.
2.
3.

Gross Premium Income

(Meg) eerefceece Deee#
Net Premium Income#
efveJesMeeW mes Deee (Meg) @
Income from investments (Net)@

Deve Deee
4.

Other Income

kegue Deee
5.

Total income

keceerMeve
6.

Commissions

oueeueer
7.

Brokerage

yeercee JeJemeee mes mebyebefOele eeeueve Jee

8.

Operating Expenses related to insurance business

kegue Jee
9.

Total Expenses

HeeefuemeerOeejkeeW kees Yegieleeve*

10.

Payment to policyholders*

yeerceebkeve oselee ceW Je=ef

11.

Increase in actuarial liability

eeeueve mes DeefOeMes<e/Ieee

12.

Surplus/Deficit (from operations)

MesejOeejkeeW kee Keelee

SHAREHOLDERS A/C

MesejOeejkeeW kes Keeles kes Debleie&le kegue Deee

13.

Total Income under shareholders A/c

kej HetJe& ueeYe/neefve

14.

Profit/(loss) before tax

kej kes efueS eeJeOeeve

15.

Provision for tax

kej HeMeeled ueeYe/neefve

16.

Profit/loss after tax

legueve-He$e kees Deesef<ele ueeYe/neefve

17.

Profit/loss carried to Balance sheet

efJeefJeOe
MISCELLANEOUS

(ke) HeeefuemeerOeejkeeW kee Keelee:

18.

(A) Policyholders account:

kegue efveefOe
Total funds

kegue efveJesMe
Total Investments

176

53 rd Annual Report

( ` ueeKeesW cesW)
( ` in lac)

efJeJejCe

Sl.No. Particulars

2009-10

2008-09

2007-08

2006-2007

2005-2006

7.59

7.71

7.83

8.21

8.68

36587.32

33546.30

30784.60

29280.99

17699.85

35376.27

31950.40

29319.62

27945.18

16640.43

8.69

9.15

5.34

6.98

6.54

7.59

7.71

7.81

8.21

8.72

500.00

500.00

500.00

500.00

500.00

36587.32

33607.91

30784.60

29280.99

17699.85

115205720.67

87355134.85

80382014.61

65188288.89

55244733.19

N.A.

N.A.

N.A.

N.A.

N.A.

N.A.

N.A.

N.A.

N.A.

N.A.

efveJesMe Hej % eeefHle

Yield on Investments %

(Ke) MesejOeejkeeW kee Keelee

(B)

Shareholders account :

kegue efveefOe
Total funds

kegue efveJesMe

19

Total Investments
efveJesMe Hej % eeefHle
Yield on investments %
kegue efveJesMe Hej % eeefHle
Yield on total investments %

eolle FkeJeerer HetBpeer

20

Paid up equity capital

Meg cetue
21

Net worth

kegue HeefjmecHeefeeeB
22

TOTAL ASSETS

eefle Mesej Depe&ve

23

Earnings per share

eefle Mesej yener cetue

24

Book value per share

# Meg Hegve&yeercee
# Net of reinsurance
@ Meg neefve
@ Net of losses
* Debleefjce yeesveme meefnle, eefo nes lees
* Inclusive of Interim bonuses, if any

177

53

DevegHeele
Ratios

efJeJejCe

Sl.No. Particulars

2009-10

2008-09

2007-08

37.44

26.78

-35.6 8

85.45

153.39

-64.01

623.33

-58.97

638.10

-18.32

305.47

17.50

76.51

14.52

-12.17

3.76

77.53

151.48

99.96

99.96

99.99

99.93

99.91

99.91

100.00

100.00

100.00

99.95

99.94

100.00

13.09

12.14

11.93

23.30

22.73

17.01

4.81

5.06

5.18

1.16

1.27

1.49

6.52

6.39

6.42

8.87

9.17

5.14

2.06

2.29

2.40

2979.41

2823.31

1503.62

veJe JeJemeee eerefceece Deee Je=ef (eefleMele Je=ef)

1.

New Business premium income growth (% increase)

eLece Je<eeae eerefceece

First Year Premium

peerJeve JeJemeee
Life Business

Jeeef<e&keer JeJemeee
Annuity Business

HesvMeve JeJemeee
Pension Business

Skeue eerefceece
Single Premium

peerJeve JeJemeee
Life Business

Jeeef<e&keer JeJemeee
Annuity Business

HesvMeve JeJemeee

2.

Pension Business
Meg OeejCe DevegHeele (%)
Net retention ratio (%)

eLece Je<e& eerefceece

First Year Premium

HejJeleea eerefceece
Renewal Premium

Skeue eerefceece
Single Premium

kegue eerefceece
Total Premium

eyevOeve Jee kee DevegHeele

3.

Ratio of expenses of management

keceerMeve DevegHeele
4.

Commission ratio

eLece Je<e& eerefceece

First Year Premium

HejJeleea eerefceece
Renewal Premium

Skeue eerefceece
Single Premium

kegue eerefceece
Total Premium

MesejOeejke efveefOe keer efJekeeme oj (% Je=ef)

5.
6.
7.

178

Growth rate of shareholders funds (% increase)

HeeefuemeerOeejke oselee mes DeefOeMes<e kee DevegHeele (% Je=ef)
Ratio of surplus to policyholders' liability (% increase)
Meg cetue ceW HeefjJele&ve (` ueeKeeW ceW)
Change in net worth (` in lacs)

53 rd Annual Report

efJeJejCe

Sl.No. Particulars

2009-10

2008-09

2007-08

1.00

1.00

1.00

8.45

11.01

10.94

90.75

86.88

87.89

96.69

95.24

95.24

19.46

19.73

9.21

kegue Deee mes kej HeMeeled ueeYe

8.

Profit after tax to Total Income

vekeo SJeb efveJesefMele HeefjmecHeefeeeW mes (kegue peceerve peeeoeo + $eCe)

9.
10.

(Total Real Estate + loans) to cash & invested assets

(HetBpeer + DeefOeMes<e) mes kegue efveJesMe
Total Investments to (Capital + Surplus)

ke) HeeefuemeerOeejkeeW keer efveefOe mes efveJesMe

a)

Investments to Policyholders funds

Ke) MesejOeejkeeW keer efveefOe mes efveJesMe

b) Investments to Shareholders funds

(HetBpeer + DeefOeMes<e) mes kegue mecye efveJesMe

11.

Total affiliated Investments to (Capital + Surplus)

nceejer Gme leejerKe Jeeueer efjHees& kes Devegmeej

As per our report of even date

DevegmetefeeeB 1 mes 15 ke leke kes efueS nmlee#ej

Signature to Schedules 1 to 15A
Deej. kes. oerheke SC[ keb. kes efueS

Sue.kes.kespejerJeeue SC[ kebheveer kes efueS Sme.Ieesme SC[ kebheveer kes efueS

For R. K. Deepak & Co.

F.R.N. / keb.Heb.me./3145N

For L. K. Kejriwal & Co.

F.R.N. / keb.Heb.me./001368C

For S. Ghose & Co.

F.R.N. / keb.Heb.me./302184E

S. Dee@yesje@e (hee&vej)

Deej.mebievesefjee (hee&vej)

ebove eesheeOeee (hee&vej)

Arvind Uberoi (Partner)

me.e. M. No. 90479

R. Sanganeria (Partner)
me.e. M. No. 73232

Chandan Chattopadhay
(Partner)
me.e. M. No. 51254

Dee[gefkeee SC[ SmeesefmeSdme kes efueS

Sme.Sue.epes[ SC[ kebheveer kes efueS
For S.L. Chhajed & Co.
F.R.N. / keb.Heb.me./000709C

For Adukia & Associates

F.R.N. / keb.Heb.me./100048W

hebkepe Dee[gefkeee (hee&vej)

Sme.Sve.Mecee& (hee&vej)

Pankaj Adukia (Partner)

me.e. M. No. 222750

S.N. Sharma (Partner)

me.e. M. No. 71224

pes.Sve.Mecee& SC[ kebheveer kes efueS

kes.Jeiee&rme SC[ kebheveer kes efueS
For K. Varghese& Co .
F.R.N. / keb.Heb.me./004525S

For J. N. Sharma & Co.

F.R.N. / keb.Heb.me./000833C

kegCeeue Mecee& (hee&vej)

me@ce Jeiee&rme (hee&vej)
Sam Varghese (Partner)
me.e. M. No. 216979

Kunal Sharma (Partner)

me.e. M. No. 405919

meveoer uesKeekeej
Chartered Accountants

er. Sme. efJepeeve

DeOe#e

T. S. Vijayan

Chairman

Lee@ceme cewLet er.

eyebOe efveosMeke

Thomas Mathew T.

Managing Director

[er. kes. cesnjes$ee

D. K. Mehrotra

jeceveeLece SC[ jeJe kes efueS

efveiece kes meome

Members of the
Corporation

For Ramnatham & Rao

F.R.N. / keb.Heb.me./002934S

eesiesMe ueesefnee

kes. eerefveJeemeve (hee&vej)

Yogesh Lohiya

K. Sreenivasan (Partner)
me.e. M. No. 206421

efJe. kes. kegkejspee

keee& efveosMeke (efJe. SJeb ues.)

V. K. Kukreja

Executive Director (F & A)

meerJeerkes SC[ SmeesefmeSdme kes efueS

For CVK & Associates
F.R.N. / keb.Heb.me./101745W

er. Yeeie&Jee

efveegkele efyeceebkeke

T. Bhargava

Appointed Actuary

S.kes.heOeeve (hee&vej)
A.K. Pradhan (Partner)
me.e. M. No. 32156

keerle&ves SC[ hebef[le kes efueS

For Kirtane & Pandit
F.R.N. / keb.Heb.me./105215W

Mejo Yeeiekele (hee&vej)

cegcyeF&

: 05 Deiemle, 2010

Mumbai : 05th August, 2010

Sharad Bhagwat (Partner)

me.e. M. No. 008072

179

53

Name of the Insurer: Life Insurance Corporation of India

Registration No. 512 Dated: 13/3/2009

yeerceekelee& kee veece - Yeejleere peerJeve yeercee efveiece

HebpeerkejCe keer mebKee 512 leLee leejerKe 13/3/2009

HeeefHle SJeb Yegieleeve uesKee

RECEIPTS AND PAYMENTS ACCOUNT

31 ceee& 2010kees kegue JeJemeee mes mebyebefOele vekeo HeJeen efJeJejCe

CASH FLOW STATEMENT AS AT 31ST MARCH 2010 IN RESPECT OF TOTAL BUSINESS

( ` ueeKeesW cesW)
( ` in lac)

efJeJejCe
Particulars

kegue / Total
eeuet Je<e&

kegue / Total
efHeues Je<e&

Current Year

Previous Year

18519258.67

15694955.86

42534.21

76200.92

18561792.88

15771156.78

(2668458.68)

(1453969.38)

(7877517.32)

(5229505.80)

421604.98

(930953.15)

(10124371.02)

(7614428.33)

8437421.86

8156728.45

(405170.24)

(377462.24)

(100353.93)

(77222.99)

(92911.58)

(82958.97)

7838986.11

7619084.25

(14318.42)

(86210.92)

(14881397.95)

(12670645.98)

Heefjeeueve ieefleefJeefOeeeW mes vekeo HeJeen

CASH FLOW FROM OPERATING ACTIVITIES

DebleJee&n
INFLOW

Heerefceece Deee (Meg)

1

Premium Income (Net)

Deve Deee leLee eerefceece pecee ceW Je=ef/keceer

2

Other income & Increase/(Decrease) in Premium Deposits

efveOeer ceW Yeejle mejkeej Joeje DebMeoeve

kegue DebleJee&n (ke)
A)

TOTAL INFLOW (A)

yeefnJee&n
OUTFLOW

eeeueve Jee SJeb keceerMeve

3

Operating Expenses & Commission

Deoe efkeee ieee ueeYe

4

Benefit Paid

Deve Deefece leLee peceeDeeW ceW Je=ef/keceer

5

INCREASE/DECREASE IN ADVANCES/DEPOSITS

kegue yeefnJee&&n (Ke)

B) TOTAL OUTFLOW

(B)

HeefjeeueveeW mes efveefce&le vekeoer (ke) - (Ke)

CASH GENERATED FROM OPERATIONS

(A) - (B)

IeeeSW : Deoe efkeS ieS Deeekej

6

LESS: TAXES PAID

HeeefuemeerOeejkeeW kees Deoe efkeee yeesveme

7

BONUS PAID TO POLICYHOLDERS

MesejOeejkeeW kees ueeYeebMe efJelejCe

8

DIVIDEND PAID TO SHAREHOLDERS

Heefjeeueve ieefleefJeefOeeeW mes efveefce&le MegOo vekeoer

NET CASH GENERATED FROM OPERATING ACTIVITIES

efveJesMe ieefleefJeefOeeeW mes vekeo HeJeen

CASH FLOW FROM INVESTING ACTIVITIES

Deeue HeefjmecHeeflleeeW keer Kejero (efye$eer mes Meg)

9

PURCHASE OF FIXED ASSETS (NET OF SALES)

efveJesMeeW keer Kejero (efye$eer mes Meg)

10

180

PURCHASE OF INVESTMENTS ( NET OF SALES/ FVC )

53 rd Annual Report

efJeJejCe
Particulars

kegue / Total
eeuet Je<e&

kegue / Total
efHeues Je<e&

Current Year

Previous Year

6743359.61

5093059.28

(8152356.76)

(7663797.62)

(313370.65)

(44713.37)

1729263.56

1773976.93

yeepe SJeb ueeYeebMe Deee

11

INTEREST & DIVIDEND INCOME

efveJesMe ieefleefJeefOeeeW ceW eegkele MegOo vekeoer

NET CASH UTILISED IN INVESTING ACTIVITIES

vekeo SJeb vekeo legue ceW MegOo Je=efOo

NET INCREASE IN CASH & CASH EQUIVALENTS

Je<e& kes DeejbYe ceW vekeo SJeb vekeo legue

CASH & CASH EQUIVALENTS AT THE
BEGINNING OF THE YEAR

Je<e& kes Deble ceW vekeo SJeb vekeo legue

CASH & CASH EQUIVALENTS AT THE
END OF THE YEAR

**

1415892.91

1729263.56

yeefnJee&n keeske ceW efeefle efkeS nw~

** Outflows are marked in brackets ( )

nceejer Gme leejerKe Jeeueer efjHees& kes Devegmeej

As per our report of even date

DevegmetefeeeB 1 mes 15 ke leke kes efueS nmlee#ej

Signature to Schedules 1 to 15A
Deej. kes. oerheke SC[ keb. kes efueS

Sue.kes.kespejerJeeue SC[ kebheveer kes efueS Sme.Ieesme SC[ kebheveer kes efueS

For R. K. Deepak & Co.

F.R.N. / keb.Heb.me./3145N

For L. K. Kejriwal & Co.

F.R.N. / keb.Heb.me./001368C

For S. Ghose & Co.

F.R.N. / keb.Heb.me./302184E

S. Dee@yesje@e (hee&vej)

Deej.mebievesefjee (hee&vej)

ebove eesheeOeee (hee&vej)

Arvind Uberoi (Partner)

me.e. M. No. 90479

R. Sanganeria (Partner)
me.e. M. No. 73232

Chandan Chattopadhay
(Partner)
me.e. M. No. 51254

Dee[gefkeee SC[ SmeesefmeSdme kes efueS

Sme.Sue.epes[ SC[ kebheveer kes efueS
For S.L. Chhajed & Co.
F.R.N. / keb.Heb.me./000709C

For Adukia & Associates

F.R.N. / keb.Heb.me./100048W

hebkepe Dee[gefkeee (hee&vej)

Sme.Sve.Mecee& (hee&vej)

Pankaj Adukia (Partner)

me.e. M. No. 222750

S.N. Sharma (Partner)

me.e. M. No. 71224

pes.Sve.Mecee& SC[ kebheveer kes efueS

kes.Jeiee&rme SC[ kebheveer kes efueS
For K. Varghese& Co .
F.R.N. / keb.Heb.me./004525S

For J. N. Sharma & Co.

F.R.N. / keb.Heb.me./000833C

kegCeeue Mecee& (hee&vej)

me@ce Jeiee&rme (hee&vej)
Sam Varghese (Partner)
me.e. M. No. 216979

Kunal Sharma (Partner)

me.e. M. No. 405919

meveoer uesKeekeej
Chartered Accountants

er. Sme. efJepeeve

DeOe#e

T. S. Vijayan

Chairman

Lee@ceme cewLet er.

eyebOe efveosMeke

Thomas Mathew T.

Managing Director

[er. kes. cesnjes$ee

D. K. Mehrotra

jeceveeLece SC[ jeJe kes efueS

efveiece kes meome

Members of the
Corporation

For Ramnatham & Rao

F.R.N. / keb.Heb.me./002934S

eesiesMe ueesefnee

kes. eerefveJeemeve (hee&vej)

Yogesh Lohiya

K. Sreenivasan (Partner)
me.e. M. No. 206421

efJe. kes. kegkejspee

keee& efveosMeke (efJe. SJeb ues.)

V. K. Kukreja

Executive Director (F & A)

er. Yeeie&Jee

efveegkele efyeceebkeke

T. Bhargava

Appointed Actuary

meerJeerkes SC[ SmeesefmeSdme kes efueS

For CVK & Associates
F.R.N. / keb.Heb.me./101745W

S.kes.heOeeve (hee&vej)
A.K. Pradhan (Partner)
me.e. M. No. 32156

keerle&ves SC[ hebef[le kes efueS

For Kirtane & Pandit
F.R.N. / keb.Heb.me./105215W

Mejo Yeeiekele (hee&vej)

cegcyeF&

: 05 Deiemle, 2010

Mumbai : 05th August, 2010

Sharad Bhagwat (Partner)

me.e. M. No. 008072

181

53

Heece& yeer-yeerSme

FORM B-BS

Name of the Insurer: Life Insurance Corporation of India

Registration No. 512 Dated: 13/3/2009

yeerceekelee& kee veece - Yeejleere peerJeve yeercee efveiece

HebpeerkejCe keer mebKee 512 leLee leejerKe 13/3/2009

31 ceee& 2010 leke HetBpeer ceeseve (efveOee&efjle Jeeef<e&keer meefnle) JeJemeee (iewj menYeeieer) mes mebyeefOele legueve-He$e
BALANCE SHEET AS AT 31ST MARCH, 2010
In respect of Capital Redemption (including Annuity Certain) Business (Non-Participating)

efJeJejCe

( ` ueeKeesW cesW)
( ` in lac)

Devegmeteer

eeuet Je<e&

efHeues Je<e&

Schedule

Current Year

Previous Year

0.00

0.00

17247.32

16047.62

35.56

35.56

27.93

7.00

0.00

0.00

0.00

0.00

17310.81

16090.18

16964.47

17139.55

0.00

0.00

10

0.00

0.00

0.00

0.00

11

209.00

397.93

12

590.75

169.16

799.75

567.09

13

453.41

1616.45

14

0.00

0.00

Sub-Total (B)

453.41

1616.45

= (ke)-(Ke)
NET CURRENT ASSETS (C) = (A - B)

346.34

-1049.37

0.00
0.00
0.00
0.00

0.00
0.00
0.00
0.00

17310.81

16090.18

Particulars

efveefOeeesWkee m$eesle
SOURCES OF FUNDS

Mesej HeBtpeer
Share Capital

Heeefuemeer oeefelJe
Policy Liabilities

Deej#eCe SJeb DeefOeMes<e

Reserves and Surplus

mener cetue HeefjJele&ve uesKee

Fair Value Change Account

GOeejer
BORROWINGS

Funds for Future Appropriation

kegue
TOTAL

efveefOeeesWkee Heeesie
APPLICATION OF FUNDS

efveJesMe
INVESTMENTS

$eCe
LOANS

Deeue HeefjmecHeefleeeB
FIXED ASSETS

eeuet HeefjmecHeefleeeB
CURRENT ASSETS

jeske[ SJeb yewbke cesW Mes<e

Cash and Bank Balances

Deefiece SJeb Deve HeefjmecHeefleeeB

Advances and Other Assets

GHe-eesie (ke)
Sub-Total (A)

eeuet oeefelJe
CURRENT LIABILITIES

HeeJeOeeve
PROVISIONS

GHe-eesie (Ke)
MegOo eeuet HeefjmecHeefleeeB (ie)

efJeefJeOe Jee (pees yes Keeles cesb ve [eues ieS nes ee meceeeesefpele ve ngS nesW)
MISCELLANEOUS EXPENDITURE (to the extent not written off or adjusted)
15

ueeYe neefve uesKee ces veecesW Mes<e (MesejOeejkeeW kee uesKee)

DEBIT BALANCE IN PROFIT & LOSS
ACCOUNT (Shareholders Account)

kegue
TOTAL

cenlJeHetCe& uesKeeveerefleeeB leLee uesKee mebyebOeer efHHeefCeeeB

15ke peerJeve JeJemeee kes Debleie&le

Significant Accounting Policies and Notes to Accounts

15A under Life Business

182

53 rd Annual Report

Deekeefmceke oseleeSb

( ` ueeKeesW cesW)

CONTINGENT LIABILITIES : 31/3/2010

( ` in lac)

efJeJejCe
Particulars

eeuet Je<e&

efHeues Je<e&

Current Year

Previous year

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

DeebefMeke He mes egkelee efveJesMe

1

Partly paid up investments

kebHeveer eje $eCe kes He ceW Deceeve Hee@efuemeer oeJeeW

kes Deefleefjkele Deve oeJes
2

Claims, other than against policies, not

acknowledged as debts by the company

yekeeee neceeroejer Jeeeos (MesejeW leLee eefleYetefleeeW kes mecyevOe ceW)

3

Underwriting commitments outstanding (in

respect of shares and securities)

kebHeveer kes eje ee kebHeveer keer Deesj mes oer ieF& ieejber
4

Guarantees given by or on behalf of the Company

eeJeOeeve ve keer ieF& meebefJeefOeke ceebieW/efJeJeeefole oseleeSb

5

Statutory Demands/Liabilities in dispute, not provided for

eeJeOeeve keer ieF& meercee leke Hegve&yeercee yeeOeleeeW

6

Reinsurance obligations to the extent not provided for

Deve
7

Others

kegue
TOTAL

nceejer Gme leejerKe Jeeueer efjHees& kes Devegmeej

As per our report of even date

DevegmetefeeeB 1 mes 15 ke leke kes efueS nmlee#ej

Signature to Schedules 1 to 15A
Deej. kes. oerheke SC[ keb. kes efueS

Sue.kes.kespejerJeeue SC[ kebheveer kes efueS

Sme.Ieesme SC[ kebheveer kes efueS

For R. K. Deepak & Co.

F.R.N. / keb.Heb.me./3145N

For L K. Kejriwal & Co.

F.R.N. / keb.Heb.me./001368C

For S. Ghose & Co.

F.R.N. / keb.Heb.me./302184E

S. Dee@yesje@e (hee&vej)

Deej.mebievesefjee (hee&vej)

ebove eesheeOeee (hee&vej)

Arvind Uberoi (Partner)

me.e. M. No. 90479

R. Sanganeria (Partner)
me.e. M. No. 73232

Chandan Chattopadhay
(Partner)
me.e. M. No. 51254

Dee[gefkeee SC[ SmeesefmeSdme kes efueS

Sme.Sue.epes[ SC[ kebheveer kes efueS
For S.L. Chhajed & Co.
F.R.N. / keb.Heb.me./000709C

For Adukia & Associates

F.R.N. / keb.Heb.me./100048W

hebkepe Dee[gefkeee (hee&vej)

Sme.Sve.Mecee& (hee&vej)

Pankaj Adukia (Partner)

me.e. M. No. 222750

S.N. Sharma (Partner)

me.e. M. No. 71224

pes.Sve.Mecee& SC[ kebheveer kes efueS

kes.Jeiee&rme SC[ kebheveer kes efueS
For K. Varghese& Co .
F.R.N. / keb.Heb.me./004525S

For J. N. Sharma & Co.

F.R.N. / keb.Heb.me./000833C

kegCeeue Mecee& (hee&vej)

me@ce Jeiee&rme (hee&vej)
Sam Varghese (Partner)
me.e. M. No. 216979

Kunal Sharma (Partner)

me.e. M. No. 405919

er. Sme. efJepeeve

DeOe#e

T. S. Vijayan

Chairman

Lee@ceme cewLet er.

eyebOe efveosMeke

Thomas Mathew T.

Managing Director

[er. kes. cesnjes$ee

D. K. Mehrotra

jeceveeLece SC[ jeJe kes efueS

efveiece kes meome

Members of the
Corporation

For Ramnatham & Rao

F.R.N. / keb.Heb.me./002934S

eesiesMe ueesefnee

kes. eerefveJeemeve (hee&vej)

Yogesh Lohiya

K. Sreenivasan (Partner)
me.e. M. No. 206421

efJe. kes. kegkejspee

keee& efveosMeke (efJe. SJeb ues.)

V. K. Kukreja

Executive Director (F & A)

er. Yeeie&Jee

efveegkele efyeceebkeke

T. Bhargava

Appointed Actuary

meerJeerkes SC[ SmeesefmeSdme kes efueS

For CVK & Associates
F.R.N. / keb.Heb.me./101745W

S.kes.heOeeve (hee&vej)
A.K. Pradhan (Partner)
me.e. M. No. 32156

keerle&ves SC[ hebef[le kes efueS

meveoer uesKeekeej
Chartered Accountants

For Kirtane & Pandit

F.R.N. / keb.Heb.me./105215W

Mejo Yeeiekele (hee&vej)

cegcyeF&

: 05 Deiemle, 2010
th

Mumbai : 05

August, 2010

Sharad Bhagwat (Partner)

me.e. M. No. 008072

183

53

Heece& yeer-DeejS
yeerceekelee& kee veece - Yeejleere peerJeve yeercee efveiece
HebpeerkejCe keer mebKee 512 leLee leejerKe 13/3/2009

FORM B-RA
Name of the Insurer: Life Insurance Corporation of India
Registration No. 512 Dated: 13/3/2009

31 ceee& 2010 kees meceeHle Je<e& kes efueS HetBpeer ceeseve (efveOee&efjle Jeeef<e&keer meefnle) JeJemeee (iewj menYeeieer) kee jepemJe uesKee
REVENUE ACCOUNT FOR THE YEAR ENDED 31ST MARCH, 2010
In respect of Capital Redemption (Including Annuity Certain) Business (Non-Participating)

efJeJejCe
Particulars

( ` ueeKeesW cesW)
( ` in lac)

Devegmeteer

eeuet Je<e&

efHeues Je<e&

Schedule

Current Year

Previous Year

777.89

921.40

(26.64)

(26.64)

(1283.18)

(1290.95)

0.01

0.04

1283.07

1076.41

751.15

680.28

761.63

700.46

14.15

19.25

59.14

90.63

(0.29)

16.00

0.00

0.00

0.00

0.00

834.63

826.34

(83.48)

(146.06)

0.00

0.00

0.00

0.00

0.00

0.00

(83.48)

(146.06)

Deefpe&le (MegOo) Heerefceece

1.

Premiums earned (Net)

(ke) efveJesMeeW keer efye$eer / ceeseve mes ueeYe

2.

(A) Profit on sale/redemption of investments

(Ke) efveJesMeeW keer efye$eer / ceeseve mes neefve

(B)

Loss on sale/redemption of investments

Heeefuemeer oeefelJe ceW HeefjJele&ve

3.

Change in Policy Liabilities

Deve
4.

Others

yeepe (Hegkej) eeHle

Interest (Sundry) received

yeepe Ske ueeYeebMe - kegue

5.

Interest & Dividends - Gross

kegue (ke)
TOTAL (A)

Heolle oeJes (MegOo)

1.

Claims incurred (Net)

keceerMeve
2.

Commission

yeercee JeJemeee mes mebyeefvOele Heefjeeueve Kee&

3.

Operating Expenses related to Insurance Business

Deve
4.

Others

mebefoiOe leLee DeMeesOe $eCeesW kes efueS HeeJeOeeve

Provision for Bad & Doubtful Debts

kejeOeeve kes efueS HeeJeOeeve

Provision for Taxation

Hegvejebefkele kejeOeeve kes efueS eeJeOeeve

Provision for Taxation Written Back

kegue (Ke)
TOTAL (B)

HetBpeer ceeseve (efveOee&efjle Jeeef<e&keer meefnle) JeJemeee mes

Heefjeeueve ueeYe/(neefve) (ie)=(ke - Ke)
Operating Profit/(Loss) from Capital Redemtion
(including Annuity Certain) Business (A - B)

efJeefveeespeve
APPROPRIATIONS

MesejOeejkeeW kes Keeles ceW DeblejCe

Transfer to Shareholders Account

DeeHeelekeeueerve Deejef#ele efveefOeeeW ceW DeblejCe

Transfer to Catastrophe Reserve

Deve Deejef#ele efveefOeeeW ceW DeblejCe

Transfer to Other Reserves (to be specified)

kegue (ie)
TOTAL (C)

184

53 rd Annual Report

pewmee efke yeercee DeefOeefveece 1938 keer Oeeje 40 ie (2) ceW Jeebefle nw, nce eceeefCele kejles
nw efke nceejer meJeexllece peevekeejer Deewj efJeeeme leLee nceW oer ieF& metevee Deewj mheefkejCe
kes Devegmeej Deewj pewmee efke nceW efveiece keer Keelee yeefneeW kes heefj#ee mes ueielee nw :

As required by Section 40 C (2) of the Insurance Act, 1938, we certify that

to the best of our knowledge and belief and according to the information
and explanations given to us and so far as appears from our examination
of the Corporations books of accounts.

(ke) hetBpeer ceeseve (efveOee&efjle Jeeef<e&keer meefnle) JeJemeee kes mebyebOe ces Yeejle ceW efveiece eje
mebheeefole meYeer Jee hetjer lejn jepemJe Keeles ceW veeceW efkeS ieS nQ ~

(a) all expenses of management, in respect of Capital Redemption

(including Annunity Certain) Business transacted in India by the
Corporation have been fully debited to the Revenue Account.

(Ke) Yeejle ceW efveiece eje mebheeefole heBtpeer ceeseve (efveOee&efjle Jeeef<e&keer meefnle) JeJemeee
kes meYeer ueeiele hetjer lejn jepemJe Keeles ceW veeceW efkeS ieS nQ ~

(b) all charges incurred in respect of Capital Redemption (including

Annuity Certain, Busines transacted in India by the Corporation have
been fully debited in the Revenue Account.

Ghejeskele DevegmetefeeeB efJeeere efJeJejCeeW kes DebieYetle nw ~

yeercee DeefOeefveece, 1938 keer Oeeje 40 meer(2) kes eje DeeJeMeke nw, nce eceeefCele kejles
nQ keer, hetbpeer hegveYeg&ieleeve (efveefMele Jeeef<e&keer meefnle) kes yeejs ceW eyebOeke kes meYeer Jee
Yeejle ceW efveiece eje efkees iees keejesyeej keer hegjerlejn mes hetbpeer hegveYeg&ieleeve (efveefMele
Jeeef<e&keer meefnle) ceW keejesyeejer Deee KeeleeW ceW Kee& kes heceW [syeer efkees iees nQ ~

The Schedules referred to above form an integral part of the Financial

Statements.
As required by Section 40 C(2) of the Insurance Act, 1938, we certify that
all expenses of management in respect of Capital Redemption (including
Annuity Certain) Business transacted by the Corporation In India have
been fully debited in Capital Redemption (including Annuity Certain)
Business Revenue Account as expenses

DevegmetefeeeB 1 mes 15 ke leke kes efueS nmlee#ej

Signature to Schedules 1 to 15A
Deej. kes. oerheke SC[ keb. kes efueS

Sue.kes.kespejerJeeue SC[ kebheveer kes efueS Sme.Ieesme SC[ kebheveer kes efueS

For R. K. Deepak & Co.

F.R.N. / keb.Heb.me./3145N

For L. K. Kejriwal & Co.

F.R.N. / keb.Heb.me./001368C

For S. Ghose & Co.

F.R.N. / keb.Heb.me./302184E

S. Dee@yesje@e (hee&vej)

Deej.mebievesefjee (hee&vej)

ebove eesheeOeee (hee&vej)

Arvind Uberoi (Partner)

me.e. M. No. 90479

R. Sanganeria (Partner)
me.e. M. No. 73232

Chandan Chattopadhay
(Partner)
me.e. M. No. 51254

Dee[gefkeee SC[ SmeesefmeSdme kes efueS

Sme.Sue.epes[ SC[ kebheveer kes efueS
For S.L. Chhajed & Co.
F.R.N. / keb.Heb.me./000709C

For Adukia & Associates

F.R.N. / keb.Heb.me./100048W

hebkepe Dee[gefkeee (hee&vej)

Sme.Sve.Mecee& (hee&vej)

Pankaj Adukia (Partner)

me.e. M. No. 222750

S.N. Sharma (Partner)

me.e. M. No. 71224

pes.Sve.Mecee& SC[ kebheveer kes efueS

kes.Jeiee&rme SC[ kebheveer kes efueS
For K. Varghese& Co .
F.R.N. / keb.Heb.me./004525S

For J. N. Sharma & Co.

F.R.N. / keb.Heb.me./000833C

kegCeeue Mecee& (hee&vej)

me@ce Jeiee&rme (hee&vej)
Sam Varghese (Partner)
me.e. M. No. 216979

Kunal Sharma (Partner)

me.e. M. No. 405919

meveoer uesKeekeej
Chartered Accountants

er. Sme. efJepeeve

DeOe#e

T. S. Vijayan

Chairman

Lee@ceme cewLet er.

eyebOe efveosMeke

Thomas Mathew T.

Managing Director

[er. kes. cesnjes$ee

D. K. Mehrotra

jeceveeLece SC[ jeJe kes efueS

efveiece kes meome

Members of the
Corporation

For Ramnatham & Rao

F.R.N. / keb.Heb.me./002934S

eesiesMe ueesefnee

kes. eerefveJeemeve (hee&vej)

Yogesh Lohiya

K. Sreenivasan (Partner)
me.e. M. No. 206421

efJe. kes. kegkejspee

keee& efveosMeke (efJe. SJeb ues.)

V. K. Kukreja

Executive Director (F & A)

er. Yeeie&Jee

efveegkele efyeceebkeke

T. Bhargava

Appointed Actuary

meerJeerkes SC[ SmeesefmeSdme kes efueS

For CVK & Associates
F.R.N. / keb.Heb.me./101745W

S.kes.heOeeve (hee&vej)
A.K. Pradhan (Partner)
me.e. M. No. 32156

keerle&ves SC[ hebef[le kes efueS

For Kirtane & Pandit
F.R.N. / keb.Heb.me./105215W

Mejo Yeeiekele (hee&vej)

cegcyeF&

: 05 Deiemle, 2010

Mumbai : 05th August, 2010

Sharad Bhagwat (Partner)

me.e. M. No. 008072

185

53

Heece& yeer-HeerSue FORM B-PL

yeerceekelee& kee veece - Yeejleere peerJeve yeercee efveiece
HebpeerkejCe keer mebKee 512 leLee leejerKe 13/3/2009

Name of the Insurer: Life Insurance Corporation of India

Registration No. 512 Dated: 13/3/2009

31 ceee& 2010 kees meceeHle Je<e& kes efueS HetBpeer ceeseve (efveOee&efjle Jeeef<e&keer meefnle) JeJemeee kee ueeYe - neefve uesKee
PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31ST MARCH, 2010
In respect of Capital Redemption (Including Annuity Certain) Business

efJeJejCe
Particulars

( ` ueeKeesW cesW)
( ` in lac)

Devegmeteer

eeuet Je<e&

efHeues Je<e&

Schedule

Current Year

Previous Year

0.00

0.00

(83.48)

(146.05)

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

(83.48)

(146.05)

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

0.00

0.00

0.00

(83.48)

(146.05)

0.00

0.00

(83.48)

(146.05)

0.00

0.00

Heefjeeueve ueeYe / (neefve)

1.

Operating Profit/(Loss)

(ke) Deefive yeercee

(a)

Fire Insurance

(Ke) mecegoere yeercee

(b)

Marine Insurance

(ie) efJeefJeOe yeercee (HetBpeer ceeseve [efveOee&efjle Jeeef<e&keer meefnle] JeJemeee)

(c)

Miscellaneous Insurance(Capital Redemption

[including Annuity Certain] Business)
Profit / Loss for the year

efveJesMe mes Deee

2.

Income from Investments

(ke) yeepe Skeb ueeYeebMe - kegue

(a)

Interest, Dividends & Rent-Gross

(Ke) efveJesMe efyekeer/ceeseve Hej ueeYe

(b)

Profit on sale/redemption of Investment

IeeFS : efveJesMe efyekeer Hej neefve

Less : Loss on sale of Investments

Deve Deee
3.

Other Income

kegue (ke)
TOTAL (A)

HeeJeOeeve (kejeOeeve kes Deefleefjkele)

4.

Provisions (Other than taxation)

(ke) efveJesMe kes cetue cesW (MegOo) keceer kes efueS

(a)

For diminution in the value of investments (Net)

(Ke) mebefoiOe $eCeeW kes efueS

(b)

For doubtful debts

(ie) Deve
(c)

Others

Deve Jee
5.

Other expenses

(ke) yeercee JeJemeee mes meerOes mebyebefOele KeeeX kes Deefleefjkele Deve Kee&
(a)

Expenses other than those related to Insurance Business

(Ke) yes Keeles ceW [eues iees [tyes $eCe

(b)

Bad Debts written off

(ie) Deve
(c)

Others

kegue (Ke)
TOTAL (B)

kej HetJe& ueeYe

Profit before tax

kejeOeeve kes efueS HeeJeOeeve

Provision for Taxation

kej kes yeeo ueeYe

Profit after tax

efJeefveeespeve
APPROPRIATIONS

(ke) Je<e& kes oewjeve Heolle Devleefjce ueeYeebMe

(a) Interim Dividends paid during the year

186

53 rd Annual Report

( `ueeKeesW cesW)
( ` in lac)

efJeJejCe
Particulars

Devegmeteer

eeuet Je<e&

efHeues Je<e&

Schedule

Current Year

Previous Year

(Ke) HemleeefJele Debeflece ueeYeebMe

(b)

Proposed final dividend

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

(83.48)

(146.05)

(ie) ueeYeebMe Deeyebve Hej kej

(c)

Dividend Distribution Tax

(Ie) Deej#eCe / Deve uesKee kees DeblejCe

(d)

Transfer to any reserves / other accounts

efHeues Je<e& mes Deiesef<ele ueeYe / neefve

Balance of profit/loss brought forward from last year

legueve He$e kees Deiesef<ele ueeYe / neefve

Profit/Loss carried forward to the Balance Sheet

nceejer Gme leejerKe Jeeueer efjHees& kes Devegmeej

As per our report of even date

DevegmetefeeeB 1 mes 15 ke leke kes efueS nmlee#ej

Signature to Schedules 1 to 15A
Deej. kes. oerheke SC[ keb. kes efueS

Sue.kes.kespejerJeeue SC[ kebheveer kes efueS Sme.Ieesme SC[ kebheveer kes efueS

For R. K. Deepak & Co.

F.R.N. / keb.Heb.me./3145N

For L. K. Kejriwal & Co.

F.R.N. / keb.Heb.me./001368C

For S. Ghose & Co.

F.R.N. / keb.Heb.me./302184E

S. Dee@yesje@e (hee&vej)

Deej.mebievesefjee (hee&vej)

ebove eesheeOeee (hee&vej)

Arvind Uberoi (Partner)

me.e. M. No. 90479

R. Sanganeria (Partner)
me.e. M. No. 73232

Chandan Chattopadhay
(Partner)
me.e. M. No. 51254

Dee[gefkeee SC[ SmeesefmeSdme kes efueS

Sme.Sue.epes[ SC[ kebheveer kes efueS
For S.L. Chhajed & Co.
F.R.N. / keb.Heb.me./000709C

For Adukia & Associates

F.R.N. / keb.Heb.me./100048W

hebkepe Dee[gefkeee (hee&vej)

Sme.Sve.Mecee& (hee&vej)

Pankaj Adukia (Partner)

me.e. M. No. 222750

S.N. Sharma (Partner)

me.e. M. No. 71224

pes.Sve.Mecee& SC[ kebheveer kes efueS

kes.Jeiee&rme SC[ kebheveer kes efueS
For K. Varghese& Co .
F.R.N. / keb.Heb.me./004525S

For J. N. Sharma & Co.

F.R.N. / keb.Heb.me./000833C

kegCeeue Mecee& (hee&vej)

me@ce Jeiee&rme (hee&vej)
Sam Varghese (Partner)
me.e. M. No. 216979

Kunal Sharma (Partner)

me.e. M. No. 405919

meveoer uesKeekeej
Chartered Accountants

er. Sme. efJepeeve

DeOe#e

T. S. Vijayan

Chairman

Lee@ceme cewLet er.

eyebOe efveosMeke

Thomas Mathew T.

Managing Director

[er. kes. cesnjes$ee

D. K. Mehrotra

jeceveeLece SC[ jeJe kes efueS

efveiece kes meome

Members of the
Corporation

For Ramnatham & Rao

F.R.N. / keb.Heb.me./002934S

eesiesMe ueesefnee

kes. eerefveJeemeve (hee&vej)

Yogesh Lohiya

K. Sreenivasan (Partner)
me.e. M. No. 206421

efJe. kes. kegkejspee

keee& efveosMeke (efJe. SJeb ues.)

V. K. Kukreja

Executive Director (F & A)

er. Yeeie&Jee

efveegkele efyeceebkeke

T. Bhargava

Appointed Actuary

meerJeerkes SC[ SmeesefmeSdme kes efueS

For CVK & Associates
F.R.N. / keb.Heb.me./101745W

S.kes.heOeeve (hee&vej)
A.K. Pradhan (Partner)
me.e. M. No. 32156

keerle&ves SC[ hebef[le kes efueS

For Kirtane & Pandit
F.R.N. / keb.Heb.me./105215W

Mejo Yeeiekele (hee&vej)

cegcyeF&

: 05 Deiemle, 2010

Mumbai : 05th August, 2010

Sharad Bhagwat (Partner)

me.e. M. No. 008072

187

53

31 ceee& 2010 kees meceehle Je<e& kes efueS hetbpeer ceeseve (efveOee&efjle Jeeef<e&keer meefnle) JeJemeee (iewj-menYeeieer)
CAPITAL REDEMPTION (INCLUDING ANNUITY CERTAIN) BUSINESS (NON PARTICIPATING) FORTHEYEAR ENDED 31.3.2010

1 - Deefpe&le Heerefceece (Meg) : 31/3/2010

1 PREMIUM EARNED (NET) : 31/3/2010

Devegmeteer
SCHEDULE

efJeJejCe
Particulars

( ` ueeKeesW cesW)
( ` in lac)

eeuet Je<e&

efHeues Je<e&

Current Year

Previous Year

777.89

921.40

777.89

921.40

777.89

921.40

777.89

921.40

777.89

921.40

ele#e efkees iees JeJemeeemes Heerefceece

Premium from direct business written

pees[s : mJeerke=le Hegve&yeercee Hej Heerefceece

Add : Premium on reinsurance accepted

IeeFS : DeblejCe efkeS yeerceeW Hej Heerefceece

Less

: Premium on reinsurance ceded

egOo Heerefceece
NET PREMIUM

kegue Deefpe&le eerefceece (Meg)

TOTAL PREMIUM EARNED (NET)

JeJemeee mes eYeeefJele eerefceece Deee

Premium Income from business effected

Yeejle ceW
In India

Yeejle kes yeenj

Outside India

kegue Heerefceece (Meg)

TOTAL PREMIUM (NET)

Devegmeteer
SCHEDULE

2 - eoe oeJes (egOo) : 31/3/2010

2 CLAIMS INCURRED (NET) : 31/3/2010

efJeJejCe
Particulars

( ` ueeKeesW cesW)
( ` in lac)

eeuet Je<e&

efHeues Je<e&

Current Year

Previous Year

761.63

700.46

0.00

0.00

0.00

0.00

761.63

700.46

761.63

700.46

761.63

700.46

0.00

0.00

761.63

700.46

Heoe oeJeW
CLAIMS PAID

meerOes
Direct

pees[s : mJeerke=le Hegve&yeercee

Add : Reinsurance accepted

IeeFS : Debleefjle Hegve&yeercee

Less : Reinsurance Ceded

egOo Heoe oeJes

Net Claims paid

kegue Heolle oeJeW

TOTAL CLAIMS INCURRED

oeJeeW Hej Yegieleeve

CLAIMS PAID TO CLAIMANTS

Yeejle ceW
In India

Yeejle kes yeenj

Outside India

kegue eoe oeJes

TOTAL CLAIMS INCURRED

188

53 rd Annual Report

3 - keceerMeve : 31/3/2010
3 COMMISSION : 31/3/2010

Devegmeteer
SCHEDULE

efJeJejCe
Particulars

( ` ueeKeesW cesW)
( ` in lac)

eeuet Je<e&

efHeues Je<e&

Current Year

Previous Year

14.15

19.25

0.00

0.00

0.00

0.00

14.15

19.25

Heoe keceerMeve
1

Commission paid

meerOes
Direct

pees[s: mJeerke=le Hegve&yeerceeHej keceerMeve

Add : Commission on Re-insurance Accepted

IeeFS : Debleefjle Hegve&yeerceeHej keceerMeve

Less

: Commission on Re-insurance Ceded

MegOo keceerMeve
Net Commission

( ` ueeKeesW cesW)

Devegmeteer

: 31/3/2010
4 OPERATING EXPENSES RELATED TO INSURANCE BUSINESS : 31/3/2010

4 - yeercee JeJemeee mes mecyeefvOele Heefjeeueve Jee

SCHEDULE

efJeJejCe
Particulars

( ` in lac)

eeuet Je<e&

efHeues Je<e&

Current Year

Previous Year

43.18

73.33

0.78

1.63

0.00

0.19

1.31

1.83

0.59

0.65

0.71

1.14

1.47

2.21

0.04

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

0.00

kece&eeefjeesWkee Heeefjeefceke leLee keueeCe ueeYe

1

Employees remuneration & welfare benefits

ee$ee, meJeejer SJeb Jeenve eeueve Jee

2

Travel, conveyance and vehicle running expenses

eefMe#eCe Jee
3

Training Expenses

efkejeee, ojsW SJeb kej

4

Rents, rates & taxes

cejccele
5

Repairs

cegoCe SJeb msMevejer

6

Printing & Stationery

mebeej
7

Communication

efJeefOeke SJeb JeeJemeeefeke Jee

8

Legal & professional charges

uesKee Meguke, Jee Deeefo

9

Auditors Fees, Expenses etc.

(ke) uesKee Hejer#eke kes He ceW

(a)

as auditors

(Ke) meueenkeej kes He ceW ee efvecve mebyebOe ceW efkemeer Yeer #ecelee ceW
(b)

as advisor or in any other capacity, in respect of

(i)
kejeOeeve ceeceues
(i)
Taxation matters
(ii) yeercee ceeceues
(ii) Insurance Matters
(iii) eyebOeve mesJeeSb SJeb
(iii) Management Services; and

(ie) efkemeer Deve #ecelee ceW

(c)

in any other capacity

efJe%eeHeve SJeb eeej

10

Advertisement and publicity

189

53

efJeJejCe
Particulars

eeuet Je<e&

efHeues Je<e&

Current Year

Previous Year

0.59

0.85

8.29

5.51

0.00

0.00

0.04

0.06

0.98

1.45

0.00

0.00

0.00

0.00

1.17

1.73

59.14

90.63

Jeepe SJeb yewbke HeYeej

11

Interest & bank Charges

Deve Jee
12

Miscellaneous Expenses

efeefkelmee Meguke
Medical Fees

Heeefuemeer mwcHme/efjmeer mwchme

Policy Stamps/Receipt Stamps

yeerpeueer eYeej
Electricity Charges

JeeHeej ueeFmeWmees kes vetleveerkejCe leLee HebpeerkejCe kes efueS Meguke

Fees for renewal and registration of trade licences

efveJesMe mecheefe hej Jee

Expenses on Investment Property

cetueNneme
13

Depreciation

kegue
TOTAL

Devegmeteer
SCHEDULE

6 - Deej#eCe SJeb DeefOees<e : 31/3/2010

6 RESERVES AND SURPLUS : 31/3/2010

efJeJejCe
Particulars

( `s ueeKeesW cesW)
( ` in lac)

eeuet Je<e&

efHeues Je<e&

Current Year

Previous Year

0.00

0.00

0.00

0.00

0.00

0.00

35.56

35.56

0.00

0.00

35.56

35.56

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

35.56

35.56

HetBpeer Deej#eCe
1

Capital Reserve

HetBpeer ceeseve Deej#eCe

2

Capital Redemption Reserve

Mesej Heerefceece
3

Share Premiums

meeceeve Deej#eCe
4

General Reserves

HeejbefYeke Mes<e
Opening Balance

Je<e& kes oewjeve eesie

Additions during the year

Deble Mes<e
Closing Balance

IeeFS - ueeYe-neefve, uesKeWs ces veecebs DeefOeMes<e eefo nes lees

Less : Debit balance in Profit and Loss Account

IeeFS - Hegve&Keefjoer kes efueS Heegkele jeefMe

Less: Amount utilized for Buy-back

DeeHeelkeeueerve Deej#eCe
5

Catastrophe Reserve

Deve Deej#eCe
6

Other Reserves

ueeYe neefve uesKeW cesW Mes<e ueeYe

7

Balance of Profit in Profit and Loss Account

kegue
TOTAL

190

53 rd Annual Report

8 - efveJese : 31/3/2010
8 INVESTMENTS : 31/3/2010

Devegmeteer
SCHEDULE

efJeJejCe
Particulars

( ` ueeKeesW cesW)
( ` in lac)

eeuet Je<e&

efHeues Je<e&

Current Year

Previous Year

9028.55

9255.18

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3926.33

0.00

(15.71)

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3800.00

3800.00

(15.20)

(15.20)

40.50

4019.57

0.00

(16.00)

200.00

96.00

0.00

0.00

oerIee&JeefOe efveJesMe
LONG TERM INVESTMENTS

Kepeeves keer efyeueesWmeefnle mejkeejer HeefleYetefleeeB leLee mejkeejer ieejbefle yevOe-He$e

1 Government securities and Government
guaranteed bonds including Treasury Bills

Deve Devegceesefole HeefleYetefleeeB

2 Other Approved Securities

Deve efveJese
3 Other Investments

(ke) Mesej
(a)

Shares

(keke) FefkeJeer
(aa)

Equity

IeeFS : Demeteer MesejeW ces IeeJe kes efueS eeJeOeeve

Less : Provision for diminution in unlisted shares

(KeKe) DeeefOeceeveer
(bb)

Preference

(Ke) meneesie efveefOe

(b)

Mutual Funds

(ie) JeglHevve HeHe$e

(c)

Derivative Instruments

(Ie) $eCe-He$e / yebOe-He$e

(d)

Debentures/Bonds

IeeFS : mebefoiOe efveJesMe kes efueS HeeJeOeeve

Less : Provision for doubtful investments

([) Deve HeefleYetefleeeB

(e)

Other Securities

(e) meneeke
(f)

Subsidiaries

() fveJesMe mebHeeflleeeB - mebHeoe

(g)

Investment Properties - Real Estate

yegefveeeoer megefJeOeeDees leLee meeceeefpeke #es$e ces efveJesMe

4 Investments in Infrastructure and Social Sector

IeeFS : mebefiOe efveJesMeeW kes efueS HeeJeOeeve

Less : Provision for doubtful Investments

Devegceesefole efveJesMeeW kes Deefleefjkele Deve efveJesMe

5 Other than Approved Investments

IeeFS : mebefiOe efveJesMeeW kes efueS HeeJeOeeve

Less: Provision for doubtful Investments

DeuHeeJeefOe efveJesMe
SHORT TERM INVESTMENTS

Kepeeveskeer efyeueesWmeefnle mejkeejer HeefleYetefleeeB leLee mejkeejer ieejbefle yevOe-He$e

1 Government securities and Government guaranteed bonds
including Treasury Bills

Deve Devegceesefole HeefleYetefleeeB

2 Other Approved Securities

191

53

Devegmeteer

8 - efveJese (peejer.....)

SCHEDULE

8 INVESTMENTS (Contd. ...)

efJeJejCe
Particulars

( ` ueeKeesW cesW)
( ` in lac)

eeuet Je<e&

efHeues Je<e&

Current Year

Previous Year

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16.53

16.53

(16.53)

(16.53)

16964.47

17139.55

16964.47

17139.55

Deve efveJesMe
3

Other Investments

(ke) Mesej
(a)

Shares

(keke) FefkeJeer
(aa)

Equity

(KeKe) DeeefOeceeveer
(bb)

Preference

(Ke) meneesie efveefOe

(b)

Mutual Funds

(ie) JeglHevve HeHe$e

(c)

Derivative Instruments

(Ie) $eCe He$e / yebOe He$e

(d)

Debentures/Bonds

([) Deve HeefleYetefleeeB

(e)

Other Securities

(e) meneeke
(f)

Subsidiaries

() efveJesMe mebHeeflleeeB - mebHeoe

(g)

Investment properties - Real Estate

yegefveeeoer megefJeOeeDeesb leLee meeceeefpeke #es$e ces efveJesMe

4

Investments in Infrastructure and Social Sector

Devegceesefole efveJesMeesW kes Deefleefjkele Deve efveJesMe

5

Other than Approved Investments

IeeFS mebefoiOe efveJesMeeW kes efueS eeJeOeeve

Less : Provision for doubtful Investments

kegue
TOTAL

HeefjmebHeefeeeB
INVESTMENTS

Yeejle ceW
In India

Yeejle kes yeenj

Outside India 0.00

0.00

kegue
TOTAL

192

16964.47

17139.55

53 rd Annual Report

Devegmeteer
SCHEDULE

11 - jeske[ SJeb yeQke ceW Deeflees<e : 31/3/2010

11 CASH AND BANK BALANCES : 31/3/2010

efJeJejCe
Particulars

( ` ueeKeesW cesW)
( ` in lac)

eeuet Je<e&

efHeues Je<e&

Current Year

Previous Year

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

4.03

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

209.00

393.90

0.00

0.00

209.00

397.93

209.00

397.93

209.00

397.93

vekeo (ewke [^eHe SJeb mwcHe meefnle)

1

Cash (including cheques, drafts and stamps)

yewQke pecee
2

Bank Balances

(ke) pecee Keelee

(a) Deposit Accounts
(keke) DeuHeeJeefOe (12 ceefnves kes Yeerlej ose)
(aa) Short-term (due within 12 months)

(KeKe)Deve
(bb) Others

(Ke) eeuet Keelee

(b) Current Accounts

(ie) Deve
(c) Others

ceeBie ves Deewj DeuHe metevee Hej Oeve

3

Money at Call and Short Notice

(ke) yewQke cesW

(a) With Banks

(Ke) Deve mebmLeevees cesW

(b) With other Institutions

(ie) meer.yeer.Sue.Dees.
(b) CBLO

Deve
4

Others

kegue
TOTAL

iewj Devegmetefele yeQkeeW keer Mes<e Ghejeskele

2 leLee 3 ceW meefcceefuele nw
Balances with non-scheduled banks
included in 2 and 3 above

vekeo SJeb yewQke pecee

CASH & BANK BALANCES

Yeejle ceW
In India

Yeejle kes yeenj

Outside India

kegue
TOTAL

193

53

Devegmeteer
SCHEDULE

12 - Deefiece SJeb Deve HeefjmecHeefeeeB : 31/3/2010

12 ADVANCES AND OTHER ASSETS : 31/3/2010

efJeJejCe
Particulars

( ` ueeKeesW cesW)
( ` in lac)

eeuet Je<e&

efHeues Je<e&

Current Year

Previous Year

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

52.07

280.47

-52.07

(49.59)

23.64

11.07

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

567.11

9.06

0.00

98.83

0.00

(180.68)

590.75

169.16

590.75

169.16

Deefiece
ADVANCES

Debleefjce kebHeefveees ceW Deejef#ele pecee

1

Reserve deposits with ceding companies

efveJesMe kes efueS DeeJesove Oeve

2

Application money for investments

Henues Yegieleeve
3

Prepayments

DeeefOekeeefjeesWkees / efveosMekeesWkees Deefiece

4

Advances to Officers/Directors

Deoe efkeee ieee Deefiece kej SJeb m$eesle Hej kej keewleer
5

Advance Tax paid and taxes deducted at source

Deve Deefece
6

Other Advances

kegue (ke)
Total (A)

Deve HeefjmecHeeflleeeB
OTHER ASSETS

efveJesMeebsHej yekeeee HeesodYetle Deee

1

Income Outstanding accrued on investments

mebefoiOe Jeepe kee HeeJeOeeve

2

Provision for interest doubtful of recovery

yekeeee Heerefceece
3

Outstanding Premiums

Spebebs keer yeekeer

4

Agents Balances

efJeosMeer SpebefmeeesW keer yeekeer

5

Foreign Agencies Balances

Deve FbvMegjsvme FberereesW mes HeeHle nesves Jeeuee FbvMegjsvme JeJemeee (Hegve&yeerceebefkele meefnle)
6

Due from other insurance entities carrying on insurance business (including reinsurers)

meneeke / efveeb$eke kebHeveer mes HeeHle nesves Jeeuee

7

Due from subsidiaries/holding company

Yeejleere efjpeJe& yewQke ces pecee

(Jeercee DeefOeefveece 1938 keerr KeC[
8

7 kes DevegmejCe cesW)

Deposit with Reserve Bank of India
[Pursuant to Section 7 of Insurance Act,1938]

Deve Flej KeeX

9

Other Miscellaneous Debits

Deblej keeee&ueeerve uesKee

Inter Office account

peerJeve JeJemeee mes HeeHe jeefe

Amounts due from Life Business

kegue (Ke)
Total (B)
kegue (ke + Ke)
TOTAL (A + B)

194

53 rd Annual Report

Devegmeteer
SCHEDULE

13 - eeuet oseleeSb : 31/3/2010

13 CURRENT LIABILITIES : 31/3/2010

( ` ueeKeesW cesW)
( ` in lac)

efJeJejCe
Particulars

eeuet Je<e&

efHeues Je<e&

Current Year

Previous Year

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

92.28

92.31

0.00

0.00

0.47

0.22

0.00

0.00

360.66

1523.92

453.41

1616.45

Spebesbkeer yeekeer
1

Agents Balances

Deve yeercee kebHeefveeesb kees ose jeefMe

2

Balances due to other insurance companies

Hegve&yeercee Debleefjle Hej Oeeefjle pecee

3

Deposits held on reinsurance ceded

Deefiece He cesb HeeHle Heerefceece

4

Premiums received in advance

Deefeefle eerefceece
5

Unallocated Premium

Hegkej uesveoej
6

Sundry Creditors

meneeke / efveeb$eke kebHeveer kees ose

7

Due to subsidiaries/holding company

yekeeee oeJee (Jeeef<e&efkeee ose Deewj Deoe)

8

Claims Outstanding (Annuities due and Unpaid)

DeefOekeejereesW /efveosMekeeW kees ose

9

Due to Officers/Directors

Deve (Deve efJeefJeOe pecee)

10

Others (Other Miscellaneous Credits)

yekeeee keceerMeve
i.

Outstanding Commission

Deblej keeee&ueeerve uesKee

ii.

Inter Office Account

Deve osveoeefjeeB
iii.

Other Liabilities

kegue
TOTAL

DevegmetefeeeB 1 mes 15 ke leke kes efueS nmlee#ej

Signature to Schedules 1 to 15A
Deej. kes. oerheke SC[ keb. kes efueS

Sue.kes.kespejerJeeue SC[ kebheveer kes efueS

Sme.Ieesme SC[ kebheveer kes efueS

For R. K. Deepak & Co.

F.R.N. / keb.Heb.me./3145N

For L. K. Kejriwal & Co.

F.R.N. / keb.Heb.me./001368C

For S. Ghose & Co.

F.R.N. / keb.Heb.me./302184E

S. Dee@yesje@e (hee&vej)

Deej.mebievesefjee (hee&vej)

ebove eesheeOeee (hee&vej)

Arvind Uberoi (Partner)

me.e. M. No. 90479

R. Sanganeria (Partner)
me.e. M. No. 73232

Chandan Chattopadhay
(Partner)
me.e. M. No. 51254

er. Sme. efJepeeve

DeOe#e

T. S. Vijayan

Chairman

Lee@ceme cewLet er.

eyebOe efveosMeke

Thomas Mathew T.

Managing Director

Dee[gefkeee SC[ SmeesefmeSdme kes efueS

Sme.Sue.epes[ SC[ kebheveer kes efueS
For S.L. Chhajed & Co.
F.R.N. / keb.Heb.me./000709C

For Adukia & Associates

F.R.N. / keb.Heb.me./100048W

hebkepe Dee[gefkeee (hee&vej)

Sme.Sve.Mecee& (hee&vej)

Pankaj Adukia (Partner)

me.e. M. No. 222750

S.N. Sharma (Partner)

me.e. M. No. 71224

[er. kes. cesnjes$ee

jeceveeLece SC[ jeJe kes efueS
For Ramnatham & Rao
F.R.N. / keb.Heb.me./002934S

D. K. Mehrotra

Members of the
Corporation

kes. eerefveJeemeve (hee&vej)

eesiesMe ueesefnee

K. Sreenivasan (Partner)
me.e. M. No. 206421

Yogesh Lohiya

keee& efveosMeke (efJe. SJeb ues.)

pes.Sve.Mecee& SC[ kebheveer kes efueS

kes.Jeiee&rme SC[ kebheveer kes efueS
For K. Varghese& Co .
F.R.N. / keb.Heb.me./004525S

For J. N. Sharma & Co.

F.R.N. / keb.Heb.me./000833C

kegCeeue Mecee& (hee&vej)

me@ce Jeiee&rme (hee&vej)
Sam Varghese (Partner)
me.e. M. No. 216979

Kunal Sharma (Partner)

me.e. M. No. 405919

efJe. kes. kegkejspee

meerJeerkes SC[ SmeesefmeSdme kes efueS
For CVK & Associates
F.R.N. / keb.Heb.me./101745W

S.kes.heOeeve (hee&vej)
A.K. Pradhan (Partner)
me.e. M. No. 32156

efveiece kes meome

V. K. Kukreja

Executive Director (F & A)

er. Yeeie&Jee

efveegkele efyeceebkeke

T. Bhargava

Appointed Actuary

keerle&ves SC[ hebef[le kes efueS

meveoer uesKeekeej
Chartered Accountants

For Kirtane & Pandit

F.R.N. / keb.Heb.me./105215W

Mejo Yeeiekele (hee&vej)

cegcyeF&

: 05 Deiemle, 2010

Mumbai : 05th August, 2010

Sharad Bhagwat (Partner)

me.e. M. No. 008072

195