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dm{fH$ [anmoQ>2015-16
YmZ H$m`mb`VVr` Vb, n[al_ ^dZ, ~era ~mJ.
hXam~mX 500 004, ^maV\$moZ +91-40-2338 1100 / 1300
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{Xr H$m`mb` _w~B H$m`mb`JoQ> Z. 3, nhbr _{Ob, OrdZ Vmam {~pS>J am b B`moa|g {~pS>J, yVbggX _mJ, ZB {Xr-110 001, ^maV 12, Oo. Q>mQ>m _mJ (MMJoQ> Ho$ nmg)\$moZ +91-11-2344 4400 _w~B-400 020, ^maV\$g +91-11-2374 7650 \$moZ +91-22-2289 8600
do~gmBQ> : www.irda.gov.inB. _ob : [email protected]
^maVr` ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU
dm{fH$ [anmoQ> 2015-16
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{df`-gyMr{_eZ {ddaUm{YH$aU Ho$ AmBAmaS>rEAmB gX` 31.03.2016AmBAmaS>rEAmB Ho$ d[a> A{YH$mar
^mJ-IZr{V`m Ama H$m H$_
n> g.I.1 gm_m` Am{WH$ n[adoe ............. 1I.2 {dd ~r_m n[a` ............. 4I.3 ^maVr` ~r_m ~mOma H$m _y`mH$Z ............. 7I.4 g_rjm ............. 28
I.4.1. nm{bgrYmaH$m| Ho$ {hVm| H$m gajU ............. 34I.4.2 ~r_mH$VmAm| Ho$ emoYj_Vm _m{OZm| H$m AZwajU ............. 35I.4.3 nwZ~u_m H$s {ZJamZr ............. 36I.4.4 ~r_m nyb - AmVH$dmXnyb ............. 40I.4.5 ~r_mH$VmAm| mam {Zdoem| H$s {ZJamZr ............. 43I.4.6 dm` ~r_m `dgm` ............. 57I.4.7 Jm_rU Ama gm_m{OH$ jom| _| `dgm` ............. 59I.4.8 {dmr` gyMZm-Umbr Ama ~r_m{H$H$ _mZH$ ............. 59I.4.9 YZemoYZ-{ZdmaU / AmVH$dmX Ho$ {dmnmofU H$m _wH$m~bm H$m H$_ ............. 59I.4.10 \$gb ~r_m ............. 61I.4.11 gy_ ~r_m ............. 64I.4.12 m{YH$aU mam Omar {H$ o J o {ZXoe, AmXoe Ama {d{Z`_ ............. 67I.4.13 gyMZm H$m A{YH$ma A{Y{Z`_, 2005 ............. 67
^mJ-IIH$m Umbr Ama n[aMmbZm| H$s g_rjmII.1 ~r_m Ama nwZ~u_m H$n{Z`m| H$m {d{Z`_Z ............. 69II.2 ~r_m `dgm` Ho$ gmW g~ d {$H$ EO|Q>,
~r_m `dgm` Ho$ gmW g~ _`dVu ............. 73II.3 ~r_m {ejU go g~ `mdgm{`H$ gWmZ ............. 82II.4 dmX, Anrb| Ama `m`mb`m| Ho$ {ZU ............. 84II.5 ~r_m _| AVaam>r` gh`moJ ............. 84II.6 {eH$m`V| ............. 88II.7 ~r_m gK Ama ~r_m n[afX| ............. 92II.8 ~r_m bmoH$nmb ............. 96
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^mJ-IIIm{YH$aU Ho$ gm{d{YH$ Ama {dH$mgm_H$ H$m
n> g.III.1 AmdoXH$ H$mo nOrH$aU _mUn H$m {ZJ_, Eogo nOrH$aU H$m ZdrH$aU, AmemoYZ,
`mhaU, {Zb~Z AWdm {ZagZ ............. 99
III.2 nm{bgr Ho$ g_ZwXoeZ, nm{bgrYmaH$m| mam Zm_mH$Z, ~r_m`mo` {hV, ~r_m Xmdo Ho${ZnQ>mZ, nm{bgr Ho$ A`{nV _y` Ama ~r_m g{dXmAm| H$s A` eVm] go g~{YV_m_bm| _| nm{bgrYmaH$m| Ho$ {hVm| H$m gajU ............. 100
III.3 _`d{V m| AWdm ~r_m _`d{V m| Ama EO|Q>m| Ho$ {bE Amd`H$ `mo`VmE,AmMaU-g{hVm Ama `mdhm[aH$ {ejU {d{Z{X> H$aZm ............. 103
III.4 gd}jH$m| Ama hm{Z {ZYmaH$m| Ho$ {bE AmMaU-g{hVm {d{Z{X> H$aZm ............. 104
III.5 ~r_m `dgm` Ho$ gMmbZ _| Hw$ebVm H$mo ~T>mdm XoZm ............. 105
III.6 ~r_m Ama nwZ~u_m `dgm` Ho$ gmW g~ `mdgm{`H$ gJR>Zm| H$m gdYZ Ama{d{Z`_Z H$aZm ............. 107
III.7 A{Y{Z`_ Ho$ `moOZm| H$m`md`Z Ho$ {bE ewH$ Ama A` ^mam| H$s CJmhr ............. 108
III.8 ~r_mH$VmAm|, _`d{V m|, ~r_m _`d{V m| Ama ~r_m `dgm` go g~ A`gJR>Zm| H$s boIm-narjm g{hV CZgo gyMZm _mJZm, CZH$m {ZarjU H$aZm, CZH$sOmM Ama AdofU H$m gMmbZ H$aZm ............. 108
III.9 ~r_m A{Y{Z`_, 1938 (1938 H$m 4) H$s Ymam 64 y Ho$ AYrZ gmYmaU ~r_m`dgm` Ho$ g~Y _| ~r_mH$VmAm| mam Vm{dV H$s OmZodmbr Xam|, bm^m| Ama eVm]H$m {Z U Ama {d{Z`_Z Omo ewH$ gbmhH$ma g{_{V mam CVZr {Z {V Ama{d{Z`{_V Zht h ............. 109
III.10 Cg $n Ama VarHo$ H$mo {d{Z{X> H$aZm {Og_| ~r_mH$VmAm| Ama A` ~r_m_`d{V m| mam boIm-~{h`m aIr OmEJr VWm boIm-{ddaU VwV {H$ o OmEJo ............. 110
III.11 ~r_m H$n{Z`m| mam {Z{Y`m| Ho$ {Zdoe H$m {d{Z`_Z ............. 110
III.12 emoYj_Vm _m{OZ Ho$ AZwajU H$m {d{Z`_Z ............. 110
III.13 ~r_mH$VmAm| Ama _`d{V m| AWdm ~r_m _`d{V m| Ho$ ~rM {ddmXm| H$m `m`{ZU Z ............. 112
III.14 nam "6' _| C{{IV `mdgm{`H$ gJR>Zm| Ho$ gdYZ Ama {d{Z`_Z Ho$ {bE`moOZmAm| Ho$ {dmnmofU hoVw ~r_mH$Vm H$s r{_`_ Am` Ho$ {VeV H$mo {d{Z{X> H$aZm ............. 112
III.15 Jm_rU Ama gm_m{OH$ jom| _| ~r_mH$VmAm| mam {H$ o OmZodmbo OrdZ ~r_m`dgm` Ama gmYmaU ~r_m `dgm` Ho$ {VeV H$mo {d{Z{X> H$aZm ............. 114
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^mJ-IVgJR>Zm_H$ {df`
n> g.IV.1 gJR>Z ............. 117
IV.2 m{YH$aU H$s ~R>H|$ ............. 117
IV.3 _mZd ggmYZ ............. 118
IV.4 _{hbm H$_Mm[a`m| Ho$ {bE AmV[aH$ g{_{V ............. 119
IV.5 amO^mfm H$m gdYZ ............. 119
IV.6 AZwgYmZ Ama {dH$mg ............. 120
IV.7 gyMZm mmo{JH$s H$s pW{V ............. 121
IV.8 boIm ............. 122
IV.9 AmBAmaS>rEAmB OZb ............. 122
IV.10 Am^ma-XeZ ............. 123
~mg _X|1. dm` ~r_m _| Zdmo_ofU ............. 44
2. ~r_m H$n{Z`m| Ho$ {bE H$manmoaoQ> A{^emgZ H$m T>mMm ............. 108
3. BS>-EEg H$s A{YgyMZm ............. 111
4. ~r_m A{Y{Z`_, 1938 H$s Ymam 105 gr Ho$ AVJV `m`{ZU Z H$s H$m dmhr ............. 113
_ybnmR> H$s gma{U`mI.1 am>r` Am` 2015-16 Ho$ AZ{V_ AZw_mZ ............. 1
I.2 Am{WH$ J{V{d{Y mam _yb H$s_V na OrdrE Ho$ AZ{V_ AZw_mZ ............. 2
I.3 Kaoby jo H$s {dmr` ~MV ............. 3
I.4 gH$b ~MV ............. 3
I.5 2015 _| Hw$b dmV{dH$ r{_`_ d{ Xa ............. 4
I.6 jo-dma OrdZ Ama Ja-OrdZ ~r_m r{_`_ ............. 4
I.7 ^maV _| ~r_m `mnZ Ama gKZVm ............. 6
I.8 ^maV _| nOrH$V ~r_mH$Vm ............. 8
I.9 Omo{I_-A{H$V r{_`_ : OrdZ ~r_mH$Vm ............. 8
I.10 ~mOma Ae : OrdZ ~r_mH$Vm ............. 10
I.11 Omar H$s JB ZB nm{b{g`m : OrdZ ~r_mH$Vm ............. 10
I.12 MwH$Vm nyOr OrdZ ~r_mH$Vm ............. 10
I.13 H$_reZ `` OrdZ ~r_mH$Vm ............. 11
I.14 H$_reZ `` AZwnmV OrdZ ~r_mH$Vm ............. 11
I.15 n[aMmbZ `` OrdZ ~r_mH$Vm ............. 12
I.16 n[aMmbZ `` AZwnmV OrdZ ~r_mH$Vm ............. 12
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n> g.
I.17 2015-16 Ho$ XmamZ OrdZ ~r_mH$VmAm| Ho$ d {$H$ _ w Xmdo ............. 13I.18 2015-16 Ho$ XmamZ OrdZ ~r_mH$VmAm| Ho$ gm_y{hH$ _ w Xmdo ............. 13I.19 OrdZ ~r_mH$VmAm| mam AXm {H$ o J o bm^me ............. 15I.20 OrdZ H$m`mb`m| H$s g`m ............. 15I.21H$ OrdZ ~r_mH$VmAm| Ho$ H$m`mb`m| H$m {dVaU OrdZ H$m`mb`m| H$s g`m ............. 16I.21I OrdZ H$m`mb`m| H$s g`m Va-dma ............. 16I.22 ^maV _| gH$b `j r{_`_ Am` Ja-OrdZ ~r_mH$Vm ............. 18I.23 ^maV _| gH$b `j r{_`_ Am` Ja-OrdZ ~r_mH$Vm H$nZr-dma ............. 19I.24 Ja-OrdZ ~r_mH$VmAm| mam Omo{I_-A{H$V r{_`_ (^maV Ho$ AXa) IS>-dma ............. 19I.25 Hw$b r{_`_ H$s VwbZm _| ^maV Ho$ ~mha r{_`_ H$m AZwnmV ............. 21I.26 ^maV Ho$ ~mha `dgm` go gH$b `j r{_`_ ............. 21I.27 Omar H$s JB ZB nm{b{g`m| H$s g`m Ja-OrdZ ~r_mH$Vm ............. 21I.28 MwH$Vm nyOr Ja-OrdZ ~r_mH$Vm Ama nwZ~u_mH$Vm ............. 22I.29 Omo{I_-AH$Z AZw d Ja-OrdZ ~r_mH$Vm ............. 22I.30 H$_reZ `` Ja-OrdZ ~r_mH$Vm ............. 23I.31 n[aMmbZ `` Ja-OrdZ ~r_mH$Vm ............. 23I.32 {Zdb CnJV Xmdo Ja-OrdZ ~r_mH$Vm ............. 24I.33 CnJV `` AZwnmV Ja-OrdZ ~r_mH$Vm ............. 24I.34 {Zdoe Am` Ja-OrdZ ~r_mH$Vm ............. 24I.35 Ja-OrdZ ~r_mH$VmAm| H$m {Zdb bm^ ............. 25I.36 wJVmZ {H$ o J o bm^me Ja-OrdZ ~r_mH$Vm ............. 26I.37 Ja-OrdZ ~r_m H$m`mb`m| H$s g`m ............. 26I.38 Ja-OrdZ H$m`mb`m| H$s g`m 31.03.2016 H$mo Va-dma ............. 26I.39 {Zdb {VYmaU (OrAmBgr) 2015-16 ............. 37I.40 ^maVr` ~mOma AmVH$dmX Omo{I_ ~r_m nyb _| gX`m| H$m Ae ............. 38I.41 ^maVr` `dgm` na ^maV Ho$ ~mha A`{nV nwZ~u_m (OrAmBgr H$mo N>moS>H$a) ............. 39I.42 ^maV _| gH$b `j r{_`_ Ho$ {VeV Ho$ $n _| ^maV Ho$ AXa Ama ^maV Ho$
~mha aIm J`m nwZ~u_m (OrAmBgr H$mo N>moS>H$a) ............. 39I.43 gH$b `j r{_`_ Ho$ {VeV Ho$ $n _| ^maVr` `dgm` na {Zdb {VYm[aV
r{_`_ (OrAmBgr H$mo N>moS>H$a) ............. 39I.44 gH$b `j r{_`_ Ho$ {VeV Ho$ $n _| Ja-OrdZ ~r_mH$VmAm| H$m {Zdb
{VYmaU (OrAmBgr g{hV) ............. 40I.45 df 2015-16 Ho$ {bE AdrH$V Omo{I_ nyb Ho$ AVJV A`{nV r{_`_ ............. 40I.46 ~r_m jo Ho$ Hw$b {Zdoe ............. 41I.47 OrdZ ~r_mH$VmAm| Ho$ Hw$b {Zdoe {bIV-dma ............. 41I.48 OrdZ ~r_mH$VmAm| Ho$ {Zdoe {Z{Y-dma ............. 42
dm{fH$ [anmoQ> 2015-16
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n> g.
I.49 {Zdoem| H$s d{- {Z{Y-dma ............. 42I.50 Ja-OrdZ ~r_mH$VmAm| Ho$ Hw$b {Zdoe {bIV-dma ............. 43I.51 {nN>bo nmM dfm] _| dm` ~r_m r{_`_ H$s d{m ............. 45I.52 dm` ~r_m r{_`_ H$m dJuH$aU ............. 46I.53 dm` ~r_m Ho$ AVJV gp_{bV `{$`m| H$s g`m ............. 47I.54 `dgm` H$m dJ-dma {Zdb CnJV Xmdm AZwnmV ............. 48I.55 dm` ~r_mH$VmAm| H$m jo-dma {Zdb CnJV Xmdm AZwnmV ............. 48I.56 d {$H$ XwKQ>Zm ~r_m `dgm` Ho$ AVJV gp_{bV `{$`m| H$s g`m ............. 49I.57 jo-dma d {$H$ XwKQ>Zm ~r_m r{_`_ ............. 49I.58 jo-dma {dXoe `mm ~r_m r{_`_ ............. 50I.59 jo-dma Xoer `mm ~r_m gH$b r{_`_ ............. 50I.60 2015-16 Ho$ {bE dm` ~r_m r{_`_ _| erfW 5 am`m| H$m Ae ............. 51I.61 {dVaU Ho$ {d{^ _m`_m| H$m Ae {dmr` df 2015-16 Ho$ {bE Omar H$s JB
nm{b{g`m| H$s g`m Ama r{_`_ H$s am{e ............. 52I.62 VVr` nj ~YH$m| (Q>rnrE) Ho$ _m`_ go g mbo J o Xmdo ............. 52I.63 ~r_mH$VmAm| Ho$ mam grYo `j $n go g mbo J o Xmdo ............. 53I.64 XmoZm| VVr` nj ~YH$m| (Q>rnrE) Ho$ _m`_ go Ama AmV[aH$ $n go g mbo J o Xmdo ............. 53I.65 Xmdm| H$s Ad{Y - Q>rnrE Ho$ _m`_ go g mbo J o Xmdm| H$m {ddaU ............. 54I.66 Xmdm| H$s Ad{Y ~r_mH$VmAm| mam AmV[aH$ $n go g mbo J o Xmdm| H$m {ddaU ............. 54I.67 Xmdm| H$s Ad{Y XmoZm| Q>rnrE Ho$ _m`_ go Ama AmV[aH$ $n go g mbo J o Xmdm| H$m {ddaU ............. 54I.68 31 _mM 2016 H$mo {d_mZ Q>rnrE H$s gyMr ............. 55I.69 2015-16 Ho$ XmamZ ZdrH$V Q>rnrE nOrH$aUm| H$s gyMr ............. 55I.70 CZ Q&g
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