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PRESENTS

Hello Sehpaathians, We team Sehpaathi brings to you the most awaited LIC AAO General Awareness Capsule to boost your preparation. This capsule is a compilation of last 3 months of GK and Current Affairs i.e December, January & February and along with GK covered in an extensive manner. As this is an Insurance exam so we have covered insurance part as well in a best manner. We hope this capsule will be very useful for all of you for a good preparation and you will be able to crack the LIC AAO with flying colours.





among your friends.

Nation Highlights (INDIA)

India’s first injectible Inactivated Polio Vaccine (IPV) as a part of Global endgame strategy was

launched by Union Government.

First state in India to launch Rotavirus vaccination project will be honoured to Himachal

Pradesh.

Biodiesel for operating of trains will be introduced by South Western Railway zones.

First fully air conditioned double decker train will start operating from Goa to Mumbai by

Ministry of Railways.

“Online labs”-e learning programme will be launched by Ravi Shankar Prasad, Minister of

Communications & IT.

Maharashtra has become country’s first state to allow the MLAs to raise online questions

Uttar Pradesh government bans use of polythene bags across the State as per the directives of

Allahabad High Court to prohibit its usage.

Maharashtra Chief Minister Devendra Fadnavis inaugurates India’s biggest wildlife rescue

center in presence of State Forest Minister Sudhir Mungantiwar at Nagpur

Jharkhand Government inaugurated land bank web portal jharbhoom.nic.in

Kakatiya thermal plant commissioned in Telangana

Union Cabinet Approved Standup India Scheme to Promote Entrepreneurship among SC/ST and

Women

‘Operation Dhangu’, the codename given to the mission to eliminate the terrorists in the

Pathankot Air Force Station

Punjab Bans Manufacture of Gutkha, Pan Masala

Haryana child sex ratio rises by over 5%

Jallikattu in T.N., bullock cart race in Maharashtra cleared

Mysore to get India’s 1st River Gallery





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Kerala First to achieve 100% primary Education

20th National Youth Festival inaugurated in Naya Raipur

BSNL starts 4G service with soft launch in Chandigarh

Sikkim becomes India’s First Fully Organic state

India’s Mukesh Ambani, Azim Premji & two others among world’s 62 super-rich

Maharashtra first state to give maternity leave in Surrogacy

Jodhpur’s Umaid Bhawan Palace named the world’s best hotel of 2016

India's first blind friendly train, from Mysuru to Varanasi

AIR launches 24*7 classical music channel

Ahmedabad nominated for UNESCO heritage city tag

Kerala To Host Global Skill Summit

Commemorative Coin of 150 rupees & Circulation Coin of 10 rupees on Lala Lajpat Rai released

French army soldiers became the first foreign military contingent to take part in India's

Republic Day parade

Kerala to launch Transgender run G-Taxi Service.

Low cost motorized wheelchair LOCOMO launched by Union Government for disabled persons.

DIPP gives nod to set up India’s first Defence Industrial Park at Ottappalam.

India gets its first underwater restaurant

India’s 1st railway university to come up in Gujarat.

MGNREGA as scheme completes 10 years

Persons with disability to get Unique identity cards

Infosys to build the World’s tallest Clock Tower.

Odisha Government allowed tourists into certain tribal areas after three years ban

International Fleet review began at Visakhapatnam

First Kerala Literature Festival began at Kozhikode

Arun Jaitley launches Finance Ministry’s official YouTube channel

The Sri Aurobindo International Centre for Education (SAICE),Puducherry has become India's

first fully solar powered educational Institute.

Maharashtra to get India’s 1st International Arbitration centre

Union Government launched 24x7 toll free Tourist Infoline in 12 International Languages





among your friends.

National Deworming campaign launched by Union Health ministry

Assam CM Gogoi unveiled Vision Assam 2030

Union Government released National Framework for Malaria elimination

Elephanta Island off the coast of Mumbai to receive electricity from August 15

Gujarat to have India’s first disabled-friendly beach

Goa may term National Bird Peacock as 'Vermin'

Next phase of Odd-even traffic rationing scheme to be implemented from April 15

1st Mega Food Park in Madhya Pradesh inaugurated at Panwa

Bhubaneswar among cleanest cities in country

National Green Tribunal approved the controversial Hubli-Ankola railway line in Karnataka

Oracle To Open Its First India Campus In Bengaluru.

Rajya Sabha passed the Juvenile Justice (Care and Protection of Children) Bill, 2015.

India’s Latest Ranking in World In Various Sectors:

India 2nd Largest Fruit Producer In World After China

India ranks 52nd in Tourism and Travel Competitive Index: WEF

India slips to 89th rank in global talent competitiveness

India got 130th rank in Human Development Index by upgrading 5 ranks

India ranked 76 in Transparency International Report 2015

India ranked 22nd among world’s best countries

INTERNATIONAL HIGHLIGHTS

Government of Nepal on 20 December 2015 decided to amend the Constitution to address two

key demands of agitating Madhesis regarding proportional representation and constituency

delimitation.

India and France has launched International Solar Alliance (ISA) at the Conference of Parties

(CoP21) Climate Conference in Paris, France

Production of China's first manned electric aircraft RX1E is ready

New Anti-Terrorism law to strip citizenship has been passed by Australia

Chinese capital Beijing issued it’s first-ever “red alert” on air pollution





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5th “Heart of Asia” conference has begun at, Islamabad Pakistan

Time magazine has remarked German Chancellor Angela Merkel as Person of the Year 2015

World’s first dengue fever vaccine Dengvaxia was cleared by Mexico for public use.

Philippines will be hitted by Typhoon Melor

37-metre-tall golden Chairman Mao statue appears in the Chinese countryside

Largest blue star sapphire found in Sri Lanka

Huawei becomes first Chinese company to ship more than 100 million smart phones in a year

India will be Nepal PM Oli’s first foreign visit

‘Mein Kampf’ published in Germany for first time since WWII

China’s country code domain “.cn” becomes world’s largest

Burkina Faso's president named Paul Kaba Thieba as Prime Minister

WHO declares LIBERIA ebola-free

Italian town welcomes first baby in 28 years

Strong 7 magnitude earthquake strikes eastern Russia

Vietnam lifted ban on import of Groundnut from India

World’s first ‘robot-run’ farm set to open in Japan

The Parliamentray session that will install Myanmar's first democratically elected government

in over 50 years.

Dubai International Airport World's busiest in 2015

Vietnam gets world’s longest cable car system

The United Nations Postal Administration has released six new postage stamps promoting

equality for lesbian, gay, bisexual and transgender people.

Canada imposes restrictions on blood donations to prevent Zika virus

Earthquake of 5.2 magintude hit Indonesia

Strong 6.4 magnitude quake hits Taiwan

Indo Seychelles Joint Military Exercise (EX LAMITYE)

Dubai To Build World's Largest Mall

Gambia’s President has declared the country an Islamic republic, saying he decided this because

Islam is the religion of the majority of its citizens.





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Construction work on the TAPI (Turkmenistan-Afghanistan-Pakistan-India) Gas Pipeline project

started in Turkmenistan.

NEW APPOINTMENTS

INDIA:

President of the Institute of Company Secretaries of India (ICSI) - Mamta Binani

Secretary, Ministry of Food Processing Industries - Avinash K Srivastava

Secretary, Department of Empowerment of Persons with Disabilities, Ministry of Social Justice

and Empowerment - Vinod Agrawal

Secretary, Ministry of Tribal Affairs 14. JS Deepak Telecom Secretary - Shyam S Agarwal

'Incredible India' brand ambassadors - Amitabh Bachchan & Priyanka Chopra

Executive Director of Greenpeace India - Noted environmentalist Ravi Chellam

Chairman of Central Board of Direct Taxes (CBDT) - Atulesh Jindal

President of BJP Party - Amit Shah

Chairman and Managing Director of General Insurance Corporation of India - Alice Vaidyan

Chairman and Managing Director (CMD) of NTPC Ltd 8. Justice Sanjay Mishra Lokayukta of Uttar

Pradesh - Gurdeep Singh

Secretary, Ministry of Micro, Small and Medium Enterprises (MSME) - KK Jalan

Secretary, Department of Agriculture, Cooperation and Farmers Welfare - Shobhana K

Pattanayak

India’s Ambassador to Mexico - Muktesh Kumar Pardeshi

India's ambassador to Israel - Pavan Kapoor

Chief Operating Officer (COO) and President, Wipro - Bhanumurthy B M

Chief Executive Officer (CEO) of Food Safety and Standards Authority of India (FSSAI) - Pawan

Kumar Agarwal

Technology Advisor to the Odisha Government - Satyanarayan Gangaram Pitroda

Deputy Governor of Reserve Bank of India (RBI), for a second three-year term - Dr Urjit R Patel





among your friends.

General President of the 105th Indian Science Congress Association (ISCA) - Dr Achyuta

Samanta

Chairman and Managing Director ,Madras Fertilzers - AB Khare

Chairman, Industry body Internet and Mobile Association of India (IAMAI) - Kunal Shah

Chairman of fair-trade regulator Competition Commission of India (CCI) - Devender Kumar Sikri

Chief Commissioner for Persons with Disabilities (CCPD) - Kamlesh Kumar Pandey

Commissioner of Police of Mumbai - Datta Padsalgikar

Industry Development, Strategic Partnerships and Offsets in Airbus Group - Ashish Saraf

Chief Executive Officer (CEO), Flipkart - Binny Bansal

Chairman of Assocham Karnataka Regional Council - R Shivakumar

12-member board of directors in Asian Infrastructure Investment Bank (AIIB) - Dinesh Sharma

CEO and Managing Director, Mindtree - Rostow Ravanan

Chief Executive Officer and Managing Director, Tata Motors' Group - Guenter Butschek

CMD of Defence PSU BEML Ltd - D.K.Hota

Chairman-cum-Managing Director of Central Mine Planning & Design Institute Ltd - Shekhar

Saran

Chairman and Managing Director (CMD), Bharat Heavy Electricals Limited (BHEL) - Atul Sobti

Country Manager for India, LinkedIn - Akshay Kothari

CEO, Wipro - Abidali Neemuchwala

Registrar General and Census Commissioner – Sailesh

Chief Executive Officer (CEO) of NITI Aayog - Amitabh Kant

Chief Justice of Bombay High court - Justice D H Waghela

Ambassador For Make In India - Piruz Khambatta

Director of Indian Institute of Millets Research (IIMR) - Vilas A.Tonapi

New Chairman of TERI - Ashok Chawla

Secretary to the Department of Industrial Policy and Promotion (DIPP) in the Commerce and

Industry Ministry - Ramesh Abhishek

New Australian High Commissioner to India - Harinder Sidhu

Chief Justice of the Orissa High Court - Dhirendra Hiralal Waghela

Executive Vice Chairman of TERI - Rajendra K Pachauri





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President of South Asian Wrestling Federation - Brij Bhushan Singh

INTERNATIONAL

New President of Burkina Faso - Roch Marc Christian Kabore

New President of the Royal Society - Sir Venkatraman Ramakrishnan

New Chairperson of the prestigious Radiological Society of North America (RSNA) Board of

Directors - Dr Vijay M Rao (Indian-American)

New President of Argentina - Mauricio Macri

New Finance Minister of South Africa - Pravin Gordhan (Indian-Origin Politician)

New Chief Operating Officer (COO) of Apple Inc - Jeff Williams

12th Prime Minister of Georgia - Giorgi Kvirikashvili

IMPORTANT AWARDS AND HONOURS Lifetime achievement award at Asian Business Leadership Forum 2015 - Hinduja Brothers

Golden Peacock Award for Best Film at IFFI 2015 - Embrace of the Serpent (Directed by Ciro

Guerra)

E-India Award - Delhi Development Authority (DDA)

ITC Sangeet Samman Award - L Subramaniam (Renowned violinist)

Indian National Bar Association's (INBA) General Counsel of the year 2015 - Pulin Kumar (Group

Senior Legal and Compliance Director of Adidas India)

'Forbes Top 100 Middle East - Global Meets Local 2015' Award - Tech Mahindra

2015 Uttar Pradesh Ratna Award - Frank Islam (Indian-American Entrepreneur)

Life membership of the Marylebone Cricket Club (MCC) - Mahela Jayawardene (former Sri

Lanka Captain)

2016 Queen's Young Leaders award - India’s Kartik Sawhney and Neha Swain

Lifetime achievement award at the Dubai International Film Festival (DIFF) - Naseeruddin Shah

(Veteran Bollywood actor)

2015 Mailer Prize for Lifetime Achievement - Salman Rushdie (India-born author)

2015 Aegis Graham Bell Award for innovation in Internet of Things (IoT) - Wipro

Padma Vibhushan Award - Dilip Kumar (Legendary Bollywood actor)





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2015 South East Asian Write Award for Singapore - Jamaludeen Mohamed Sali (Indian-origin

Tamil writer)

Lifetime Achievement Award by the West Bengal Government - Bappi Lahiri and Kumar Sanu

(Veteran music composer)

2016 Genesis Prize- Violinist Itzhak (Israeli-American)

International Artist Grand Prize Competition-2016 - K.S.Kamesh (His painting 'Amalgamation'

was selected for this prize)

Kendra Sahitya Akademi award 2015 - Bibhuti Patnaik (Noted Columnist and Novelist)

Sahitya Akademi awards announces for the year 2015

Poetry: Brajendra Kumar Brahma (Bodo), Dhian Singh (Dogri), Ramdarash Mishra

(Hindi), K.V. Tirumalesh (Kannada), Kshetri Rajan (Manipuri) and Ram Shankar

Awasthi (Sanskrit).

Short stories: Kula Saikia (Assamese), Man Mohan Jha (Maithili), Gupta Pradhan

(Nepali), Bibhuti Pattanaik (Odia), Maya Rahi (Sindhi) and Volga (Telugu).

Novels: Cyrus Mistry (English), Jaswinder Singh (Punjabi) and MadhuAcharya

Ashawadi’ (Rajasthani).

Essays: Rasik Shah (Gujrati) and A. Madhavan (Tamil).

Plays: UdayBhembre (Konkani), RabilalTudu (Santali).

Books on criticism: Bashir Bhadarwahi (Kashmiri) and Shamim Tariq (Urdu).

Memoirs: ArunKhopkar (Marathi).

Miss Universe 2015 - Pia Alonzo Wurtzbach (Philippines)

Miss World 2015 - Mireia Lalaguna Royo (Spain)

US National Medal of Science 2015 - Rakesh K Jain (Indian American)

Indian American doctor named as Ohio’s first Poet Laureate - Amit Majmudar

Nominated for CK Nayudu Lifetime Achievement Award - Syed Kirmani former Indian Wicket-

Keeper

Winner of the prestigious award in the UK for creating an innovative electronic smart key

system - Nandagopal Lakshminarayanan

Topped in list of 2015 Fortune 500 Companies in India - Indian Oil Corp

Export Quality Excellence Award - CRI Pumps (11th time in row)





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Selected for 51st Jnanpith Award - Raghuveer Chaudhary (Noted Gujarati Writer)

Recorded in LIMCA book of records - Sudarsan Pattnaik (Sand artist, for creating a 45 feet high

sand Santa Claus at Puri beach)

Honoured with a Knighthood from Queen Elizabeth II - Harpal Singh Kumar (An Indian-origin

cancer research expert)

2015 eASIA award for trade facilitation - Drug Authentication and Verification Application

(DAVA) project

Prestigious 2015 Sangita Kalanidhi Award - Vocalist Sanjay Subrahmanyam

Kerala Tourism’s Nishagandhi Puraskaram 2016- Music maestro Ilaiyaraja

National Payments Excellence Awards 2015 - Corporation Bank

2015 Costa Novel Prize for A God in Ruins - Kate Atkinson

1st Indian to Bag People’s Choice Award - Priyanka Chopra

Golden Globes winners - Kate Winslet

Winner of FIFA Ballon d’Or award 2016 - Lionel Messi

2015 Harikrishna Devsare Baalsahitya Award - Poet Balkrishna Garg

National Award on e-Governance - Employees’ Provident Fund Organization (EPFO)

Humanitarian Leadership prize - David Beckham footballer

Times Now Amazing Indians Awards 2016 - Prime Minister Narendra Modi

Lee Kuan Yew Exchange Fellowship - Shivraj Singh Chauhan

Lorenzo Natali Media Prize for work on Khap panchayats - Ankita Anand (Delhi-based writer)

Prof MV Pylee Award for the Distinguished Academician of India - Dr Jancy James

Best Film at the 61st Britannia Filmfare awards 2016 - Bajirao Mastani

The Hindu Prize, 2015 - Easterine Kire

2016 DSC Prize for Sleeping on Jupiter - Anuradha Roy

Scientific and Technical Achievement Award 2016 - Rahul Thakkar

Yash Chopra Memorial award - Rekha (Veteran Bollywood actress)

Highest civilian honour, the Order of Australia - Sajeev Koshy (Kerala Dentist)

2016 Technical Achievement Award of Academy of Motion Pictures - Cottalango Leon

Param Vishisht Seva Medal - Vice Admiral Ashok Subhedar

V Shantaram Life Time Achievement Award at MIFF 2016 - Naresh Bedi (wild life film maker)





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Amnesty International Human Rights Award 2016 - Henri Tiphagne (Indian Human Rights

Activist)

Indian Association of Pharmaceutical Scientists and Technologists (IAPST) award for 2015 -

Purushotham Rao (Pharmacist)

Prestigious K Veeramani Social Justice Award - Nitish Kumar (Bihar Chief Minister)

2016 William E. Colby Award - Nisid Hajari

Directors Guild of America award 2015 - Revenant director Alejandro Gonzalez

Golden Beaver Best Film Award - ‘Nagaland is changing, But…’, a film on conservation efforts

by villagers.

OBITUARIES Aroon Tikekar - Senior journalist and scholar

Mrinalini Sarabhai -Eminent danseuse & wife of the late Dr Vikram Sarabhai, father of India’s

space programme.

Ettore Scola - Italian director

Nirmala Gajwani - Former Deputy Speaker of Gujarat Assembly and Social Activist

Pandit Shankar Ghosh - Eminent Tabla player

Kalpana - National award-winning actress

Marvin Minsky - The pioneer of artificial intelligence

Abe Vigoda - Actor known for his work in The Godfather

General Kotikalapudi Venkata Krishna Rao - Former Army Chief

Rajesh Vivek Upadhyay - Bollywood actor

Alan Rickman - Actor

Ventrapragada Rama Rao - Veteran BJP leader and former Sikkim Governor

Lakshman Rao Mohite alias Geethapriya - Renowned film-maker

Yasutaro Koide - The world’s oldest man at the age of 112

Glenn Frey – A founding member and guitarist of the Eagles

Sarosh Homi Kapadia - Ex-Chief Justice of India

Mufti Mohammad Sayeed - Jammu and Kashmir Ex-Chief Minister

Labhshankar Thakar - Noted Gujarati writer and poet

Ravindra Kalia - Noted Hindi writer and journalist





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David Bowie- British singer

Maria Teresa de Filippis - First woman to compete in a world championship F1 Grand Prix

Sadhana - Yesteryear Hindi film actress

V S Malimath - Former Chief Justice of Karnataka and Kerala High Courts Justice

Haskell Wexler - Oscar-winning cinematographer

George Clayton Johnson - Popular science-fiction writer

Ian Fraser Lemmy Kilmister - Founding member and singer in the British band Motorhead

Subir Sen - Veteran singer

General Om Prakash Malhotra - Former Punjab Governor and ex-Chief of Army

Peter Dickinson - British Novelist

Chatla Sriramulu - Noted writer and theatre artiste

Sharad Anantrao Joshi - Renowned Agro-Economist and Veteran Leader of farmers

Ustad Sabri Khan - Renowned sarangi player

Eldar Ryazanov - Russian film Director

MAM Ramaswamy - Industrialist, Founder of Chettinad Group, Former parliamentarian

Anil Ganguly - Noted filmmaker

Haskell Wexler - Influential Oscar-winning cinematographer

DEFENCE NEWS

India-Russia joint naval exercise-INDRA NAVY-15 has begun in Visakhapatnam, Andhra Pradesh

with its 8th edition

Pakistan has successfully test-fired nuclear-capable Shaheen-III ballistic missile.

Combined Commanders Conference, an annual tri-services event chaired by Prime Minister

Narendra Modi was held on board INS Vikramaditya about 50 kms off Kochi coast.

Pakistan has successfully tested the nuclear-capable Shaheen-IA ballistic surface to surface

missile with a range of 900 km.

SpaceX’s Falcon 9 rocket was successfully launched from Cape Canaveral, Florida carrying 11

satellites to low-Earth orbit and was also successfully landed after 10 minutes to the Earth.

India’s first indigenously designed & built warship INS Godavari decommissioned





among your friends.

Russia’s Rostech State Corporation has signed one billion US dollar deal with Hindustan

Aeronautics Limited (HAL) to manufacture 200 Kamov 226T light helicopters.

China has successfully launched its most sophisticated observation satellite Gaofen-4, as part of

the country’s high-definition (HD) earth observation Gaofen project.

Indigenously developed Beyond Visual Range (BVR) air-to-air missile, Astra, was on 25 December

2015 successfully test fired.

India’s second lunar probe Chandrayaan II will land on moon in 2017 and the country’s first

solar mission Aditya L1 is likely to be launched in 2019.

Six satellites were launched using Polar Satellite Launch Vehicle (PSLV-C29) from the first launch

pad of Satish Dhawan Space Centre in Sriharikota, Andhra Pradesh.

China launches satellite to search for signals of dark matter, an invisible material that makes up

most of the Universe’s Mass

Defence Acquisition Council (DAC) has cleared the purchase of Russian advance S-400 Trium Air

Defence Missile Systems at an estimated cost of 40,000 crore rupees.

Operation Cold was started by Border Security Force

Defence Procurement Procedure was changed: DAC

Defense Panel Submits report to Parrikar

Juvenile Justice Act comes into effect in India

“Naseem Al Bahr” a joint naval exercise was flagged by India and Oman

SPORTS

India wins SAFF cup for the seventh time

ONGC won 26th Lal Bahadur Shastri Hockey tournament

Syed Kirmani Conferred With CK Nayudu Lifetime Achievement Award

Bavuma Becomes South Africa’s 1st Black Centurion

Apoorvi Chandela Wins GOLD at Swedish Air Rifle Championship

Sania Mirza-Martina Hingis pair starts 2016 with Brisbane International title

Stanislas Wawrinka won third consecutive Chennai Open title

Hardik Pandya smashes 39 runs in an over to surpass T20 world record in Syed Mushtaq Ali

Trophy 2015-16

Colin Munro creates T20 record as New Zealand thrashes Sri Lanka to clinch series





among your friends.

Denmark’s sportsperson of the Year 2015: Rene Holten Poulsen

FIFA dismissed Secretary General Jerome Valcke

Ronaldinho named ambassador of Indian Tournament

Marat Safin inducted into International Tennis Hall of Fame

Mesut Ozil named 2015 German Player of the Year

Sania & Hingis Win Sydney International Title 2016

Indian Driver Jehan Daruvala won Lady Wigram Trophy motor race

Uttar Pradesh won Syed Mushtaq Ali Trophy

PV Sindhu wins Malaysia Masters title

India won Blind T20 Asia Cup

India beats Australia to complete T20 series sweep.

Polish professional footballer Robert Lewandowski’s nine minute, five-goal haul for German

Football Club Bayern Munich against Wolfsburg was officially recognized by Guinness World

Record.

India’s Thakur Anoop Singh won gold medal in the 7th WBPF World Bodybuilding and

Physique Championships.

China’s Chen Long and all England and World champion Carolina Marin bagged the Badminton

World Federation (BWF) Male and Female Player of the Year Awards respectively in Dubai.

Pune and Rajkot became the interim franchises in the Indian Premier League (IPL) till 2017.

Former Sri Lanka captain Mahela Jayawardene was awarded with an honorary life membership

of the Marylebone Cricket Club (MCC).

Kerala’s Elizabeth Susan Koshy won the Women's 50m Rifle 3 Positions Gold at the 59th

National Shooting Championships

Indian cyclist Deborah Herold became the first Indian female cyclist to be ranked fourth in the

World Elite Women Ranking for the 500m time trial event.

New Zealand cricket captain Brendon McCullum on 22 December 2015 announced retirement

from all forms of international cricket.

Vijay Kumar on 13 December 2015 won the centre fire pistol gold in the 59th National shooting

championship





among your friends.

India’s star golfer Anirban Lahiri has won the coveted Order of Merit crown of Asian Tour for

year 2015.

Apurvi Chandela from Rajasthan has won a Gold medal in the 59th National Shooting

Championship in Delhi.

The National selectors decided that M.S. Dhoni will remain captain of the limited-overs sides till

the World T20 championship in March.

The International Cricket Council (ICC) on 23 December 2015 announced the winners for the

2015 ICC Awards in Dubai, the UAE.

FC Barcelona on 20 December 2015 won the 2015 FIFA Club World Cup.

Chennaiyin FC was crowned as the champions of the 2nd Indian Super League (ISL) Football

tournament on 20 December 2015.

India’s Abhay Singh on 20 December 2015 won the Under-19 Singapore Squash Open

Kane Williamson, 25, on 21 December 2015 became the first cricketer from New Zealand to

top the International Cricket Council’s (ICC’s) Test rankings.

International Tennis Federation (ITF) on 22 December 2015 announced winners of 2015 World

Champions.

Andy Murray of the UK on 20 December 2015 received the 2015 BBC Sports Personality of the

Year award in London.

BANKING

Reserve Bank of India holds it policy rate 6.75% steady and relaxed the overseas borrowing

rules for the domestic companies.

Axis Bank has become first Indian bank to offer ‘Display variant’ debit card which will be

currently launched for NRE customers.

Tata Sons Ltd and Industrial and Commercial Bank of China Ltd (ICBC) have formed a long-term

partnership, under which ICBC will become a strategic banking partner to the Tata group.

The Reserve Bank of India has cancelled the certificate of registration of 56 non-banking

finance companies (NBFCs), including ABNL, Future Ventures India and Bajaj Finserve.

The Reserve Bank of India (RBI) announced revised Priority Sector Lending (PSL) norms for

Regional Rural Banks (RRBs)





among your friends.

The Finance ministry recently announced mandatory furnishing of Permanent Account Number

(PAN) for all transactions above Rs. 2 lakh through all payment modes with effect from January

1, 2016.

Reserve Bank of India (RBI) has extended the deadline for exchanging currency notes issued

before 2005 of various denominations by another six months to June 30, 2016

IDFC Bank ties node with the TCS for core banking solution.

Life Insurance Corporation of India has launched, Jeevan Akshay IV, a plan for planning of post

retirement.

Government of India has made to show Permanent Account Number (PAN) mandatory from 1st

January 2016 for all the bills above Rs.50, 000.

RBI asked the banks to open banks in villages with a population of more than 5000

PNB launches host of digital banking solutions

IDBI decided to raise the stake by 25%

LIC offers longer cover under ‘Jeevan Labh’

RBI imposes Rs 1Cr fine on SBT

RBI Deputy governor Urjit Patel, set for term extension

ICICI Bank to Partner FINO PayTech for Payments Bank

IFSC banking units can open foreign currency current accounts

Bandhan Bank Mobilizes 5000 crore deposits till December

Banks may put 3-lakh cr of bad loans on the block in 2017: Arcil

SEBI lowers MF exposure limits

BSE to get its own postal stamp

SBI chief identifies four change drivers in Indian banking system

AADHAR not mandatory for direct Benefit Scheme

Banks to issue 2nd tranche of gold bond scheme

Xi Jin Ping officially launches AIIB

SBI to offer loans to e-commerce sellers

RBI permits banks to sell India Gold Coins

Jan Dhan account deposits cross Thirty Thousand Crore Rupees

RBI to introduce new 500,100 rupee notes





among your friends.

KickStarter launches official Android app

RBL launches banking platform for entrepreneurs

Rajan joins World Economic Forum task force

SBI, BoB and other PSBs creating anti-money laundering framework for overseas branches

Important Calendar Days (Feb-April)

February

13th Feb———————————————-Sarojini Naidu’s Birthday

28th Feb———————————————-National Science Day

March

3rd March——————————————–National Defense Day

4th March——————————————–National Security Day

8th March——————————————–International Women’s Day Mother’s Day

9th March——————————————–CISF Rising Day

15th March——————————————Consumers Right Day

22nd March—————————————–World Water Day

24th March—————————————–World TB Day

April

5th April ——————————————National maritime Day

7th April——————————————-National Health Day

13th April—————————————–Jallianwalan Bagh Massacre Day

17th April —————————————-World Haemophilia Day

18th April—————————————–World Heritage Day

22nd April—————————————-Earth Day





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IMPORTANT DAYS OBSERVED RECENTLY

World Wetlands Day – 2 February

World Cancer Day – 4 February

International Day of Zero Tolerance for Female Genital Mutilation – 6 February

First 'National Deworming Day' – 10 February

6th National Voters’ Day - 25 January.

67th India’s Republic Day - 26 January 2016

150th birth anniversary of Lala Lajpat Rai - 28th January 2016

International Day of Commemoration in memory of the victims of the Holocaust - 27 January

Anti-Leprosy Day - 30 January

National Youth Day - 12 January

11th World Hindi Day - 10 January

National Mathematics Day - 22 December

30th National Consumers Right Day - 24 December

Good Governance Day - 25 December

International Migrants Day - 18 December

Vijay Diwas - 16 December

Human Rights Day - 10 December

International Day for the Abolition of Slavery - 2 December

44th Navy Day - 4 December

International Volunteer Day (IVD) - 5 December

World Acquired Immuno Deficiency Syndrome (AIDS) Day - 1 December

International Day for the Abolition of Slavery - 2 December





among your friends.

118th Birth Anniversary of Netaji Subhash Chandra Bose / National Day of Patriotism / Desh

Prem Divas - 23 January

National Girl Child Day - 24 January

Gallantry Awards:

President Pranab Mukherjee has conferred the country’s highest peacetime gallantry award Ashok

Chakra to Lance Naik Mohan Nath Goswami posthumously. On the eve of 67th Republic Day

celebrations President has approved 365 Gallantry awards and other Defence decorations to Armed

Forces personnel and others. It includes one Ashoka Chakra, 4 Kirti Chakras and 11 Shaurya Chakras.

Ashok Chakra:

Lance Naik Mohan Nath Goswami (Posthumous). He belonged to 9 PARA (Special Force) and laid

down his life while fighting LeT militants in Kupwara district of Jammu and Kashmir.

Kirti Chakra:

Subedar Mahendra Singh of 9 PARA (Special Force).

Sepoy Jagdish Chand (Posthumous) of 546 DSC Platoon.

Shaurya Chakra:

Colonel Santosh Mahadik (Posthumous) of 41 Rashtriya Rifle (PARA).

Major Praphul Kumar Bhardwaj of 12 PARA (Special Force).

Major Sandip Yadav of 55 Rashtriya Rifle (Armed).

Major Anurag Kumar of 9 PARA (Special Force).

Lieutenant Harjinder Singh of 3 KUMAON.

Naik Satish Kumar (Posthumous) of 21 Rashtriya Rifle (Guards).

Naik Kheem Singh Mehra of 21 KUMAON.

Sepoy Dharma Ram (Posthumous) of 1 Rashtriya Rifle (MAHAR).





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61st Filmfare Awards

The grand annual 61st Filmfare Awards event was organised in Mumbai, Maharashtra on January 15,

2016. Bajirao Mastani was 8 awards was the film winning highest number of awards. Awards in various

categories are’

Best Actor: Ranveer Singh (Bajirao Mastani)

Best Actress: Deepika Padukone (Piku)

Best Film: Sanjay Leela Bhansali (Bajirao Mastani)

Best Director: Sanjay Leela Bhansali (Bajirao Mastani)

Lifetime Achievement: Moushumi Chatterjee

Best Debut Director: Neeraj Ghaywan (Massan)

Best Debutant (Male): Sooraj Pancholi (Hero)

Best Debutant (Female): Bhumi Pednekar (Dum Laga Ke Haisha)

Critics Award for Best Film: Piku

Critics Award for Best Actor (Male): Amitabh Bachchan (Piku)

ICC AWARDS 2015 Announced

Steve Smith became the fourth Australia player and 11th player overall to win the prestigious Sir

Garfield Sobers Trophy after being named as the ICC Cricketer of the Year 2015. Australia captain also

wins ICC Test Cricketer of the Year award while De Villiers named ICC ODI Cricketer of the Year. The full

list of ICC Award 2015 winners is:

ICC Cricketer of the Year (Sir Garfield Sobers Trophy)-Steve Smith (Australia)

ICC Test Cricketer of the Year – Steve Smith (Australia)

ICC ODI Cricketer of the Year – AB de Villiers (South Africa)

ICC Women’s ODI Cricketer of the Year – Meg Lanning (Australia)

ICC Women’s T20I Cricketer of the Year – Stafanie Taylor (West Indies)





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ICC T20I Performance of the Year – Faf du Plessis (South Africa)

ICC Emerging Cricketer of the Year – Josh Hazlewood (Australia)

ICC Associate/Affiliate Cricketer of the Year – Khurram Khan (UAE)

ICC Spirit of Cricket Award – Brendon McCullum (New Zealand)

ICC Umpire of the Year (David Shepherd Trophy) – Richard Kettleborough

The Juvenile Justice (Care and Protection of Children) Act, 2015 Passed

The Juvenile Justice Act, which allows children aged 16 to 18 years and in conflict with law to be tried as

adults in cases of heinous offences, finally comes into force on January 15, 2016.

The Act, was passed by the Rajya Sabha in the winter session of parliament, received President Pranab

Mukherjee’s assent on December 31, 2015.

The Ministry of Women and Child Development has passed orders stating that the Juvenile Justice (Care

and Protection of Children) Act 2015 will be enforceable from January 15, 2016.

Under the Juvenile Justice Act 2015

Juveniles between 16 and 18 years of age, who are found guilty of committing heinous offences

through a preliminary inquiry by the Juvenile Justice Board, will be sent to a children’s Court that

can pronounce the child guilty.

Such Juveniles can be detained in a place of safety until they reach the age of 21.

If still not found to have been reformed by 21, they can be sent to jails housing adults.

It specifies imprisonment up to seven years and fine up to Rs. 1 lakh for giving a child any

intoxicating liquor, narcotic, drug, tobacco and psychotropic substances.

Odd-Even scheme Launched

The ambitious odd-even scheme, set to roll out from January 1, will have out of its ambit CNG-certified

vehicles, two wheelers, cars being driven by women drivers and those carrying the differently abled,

Chief Minister Arvind Kejriwal said. Violators would attract a penalty of Rs 2,000, he said. The car

rationing scheme would be applicable from 8 AM to 8 PM on all days except Sunday and on cars with

NCR and other states’ registration number plates, Kejriwal said. Cars being driven by a woman alone or

even while being accompanied by children up to the age of 12 would be exempted while cases of

medical emergencies would be treated on “basis of trust”, the CM said.

20 Smart Cities Announced





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Urban development minister M Venkaiah Naidu announced the first list of 20 cities to be developed as

Smart Cities, with Bhubaneswar topping the list and Pune and Jaipur coming in second and third

respectively.

The others on the list include Surat, Kochi and Ahmedabad.

These cities will be developed to have basic infrastructure through assured water and power supply,

sanitation and solid waste management, efficient urban mobility and public transport, IT connectivity, e-

governance and citizen participation.

These are the 20 cities named in the first list

Bhubaneswar, Pune, Jaipur, Surat, Kochi, Ahmedabad, Jabalpur, Visakhapatnam, Solapur,

Davanagere, Indore, New Delhi, Coimbatore, Kakinada, Belgaum, Udaipur, Guwahati, Chennai,

Ludhiana, Bhopal

The government plans to build these smart cities by 2022 to help accommodate its swelling urban

population, which is set to rise by more than 400 million people to 814 million by 2050.

The Centre and states will equally split the overall cost of the project estimated at Rs 96,000 crore. The

central government will provide on an average Rs. 100 crore per chosen city per year. The project cost of

each smart city will vary depending upon the level of ambition, model, capacity to execute and repay.





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INSURANCE AWARENESS

“Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in

exchange for a premium, and can be thought of a guaranteed small loss to prevent a large possibly

devastating loss.”

Definition of Risks

A variation in the possible outcome.

The degree of uncertainty associated with a particular loss.

Greater the accuracy with which the outcome can be predicted the lower is the risk.

Risk is the possibility of an unfortunate occurrence.

Risk is the possibility of loss.

The combination of hazards.

Uncertainty of Loss

The tendency that actual results may differ from predicted results.

Requirements of Insurable Risks

Should be a pure risk.

Involves a chance of loss or no loss.

Large Number of exposure units.

To predict average loss.

Accidental and Unintentional loss

To control moral hazard.

To assure randomness.

Determinable and Measurable Loss





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To facilitate loss adjustment

Insurance Industry of India consists of 52 insurance companies of which 24 are life insurance business

and 28 are non – life insurance companies. (As per August , 2015 update)

Among the life insurers, Life Insurance Corporation (LIC) is the sole public sector company. Apart from

that, among the non – life insurers there are six public sector insurers.

Out of 28 non-life insurance companies, five private sector insurers are registered to underwrite policies

exclusively in health, personal accident and travel insurance segments. They are Star Health and Allied

Insurance Company Ltd, Apollo Munich Health Insurance Company Ltd, Max Bupa Health Insurance

Company Ltd, Religare Health Insurance Company Ltd and Cigna TTK Health Insurance Company Ltd.

There are two more specialized insurers belonging to public sector, namely, Export Credit Guarantee

Corporation of India for Credit Insurance and Agriculture Insurance Company Ltd for crop insurance.

The oldest existing insurance company in India is National Insurance Company, which was founded in

1906 and is still in business. The Government of India issued an Ordinance on 19 January 1956

nationalized the Life Insurance sector and Life Insurance Corporation (LIC) came into existence in the

same year. But LIC starts its operations from 1 September, 1956.

Objectives of Insurance

To Spread life insurance widely and in particular to the rural areas and to the socially and

economically backward classes with a view to reaching all insurable persons in the country and

providing them adequate financial cover against death at a reasonable cost.

Bear in mind, in the investment of funds, the primary obligation to its policy holders, whose

money it holds in trust, without losing sight of the interest of the community as a whole; the

funds to be deployed to the community as a whole, keeping in view national priorities and

obligations attractive return.

Conduct business with utmost economy and with the full realization that the moneys belong to

the policyholders.

Meet the various life insurance need of the community that would arise in the changing social

and economic environment.

Promote amongst all agents and employees of the Corporation a sense of participation, pride

job satisfaction through discharge of their duties with dedication towards achievement of

corporate objective.





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Maximize mobilization of people’s savings by making insurance linked savings adequately

attractive.

Act as trustees of the insured public in their individual and collective capacities.

Involve all people working in the Corporation to the best of their capabilities furthering the

interests of the insured public by providing efficient service with courtesy.

Roles & Functions:

To carry on capital redemption business, annuity certain business or reinsurance business in so

far as such reinsurance business relating to life insurance business;

To invest the funds of the Corporation in such manner as the Corporation may think fit and to

take all such steps as may be necessary or expedient for the protection or realisation of any

investment; including the taking over of and administering any property offered as security for

the investment until a suitable opportunity arises for its disposal;

To acquire, hold and dispose of any property for the purpose of its business;

To transfer the whole or any part of the life insurance business carried on outside India to any

other person or persons, if in the interest of the Corporation it is expedient so to do;

To advance or lend money upon the security of any movable or immovable property or

otherwise;

To borrow or raise any money in such manner and upon such security as the Corporation may

think fit;

To carry on either by itself or through any subsidiary any other business in any case where such

other business was being carried on by a subsidiary of an insurer whose controlled business has

been transferred to and vested in the Corporation by this act;

To carry on any other business which may seem to the Corporation to be capable of being

conveniently carried on in connection with its business and calculated directly or indirectly to

render profitable the business of the Corporation; and

To do all such things as may be incidental or conducive to the proper exercise of any of the

powers of the Corporation.





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Methods of Insurance

Some important methods of insurance are discussed as under:

Co-insurance – When insurance companies shares risks between them known as CoInsurance or

Risks shared between insurers

Dual Insurance – If a person has taken more than one policies for specific purpose orrisks having

two or more policies with same coverage

Self-Insurance – Situations where risk is not transferred to insurance companies and solely

retained by the entities or individuals themselves

Reinsurance – If one insurance company passes some or whole part of risks to another

insurance company or Situations when Insurer passes some part of or all risks to another Insurer

called Reinsurer.

Seven Insurance Principles:

Principal of Utmost Good Faith

Both parties, insurer and insured should enter into contract in good faith

Insured should provide all the information that impacts the subject matter

Insurer should provide all the details regarding insurance contract

For example – John took a health insurance policy. At the time of taking policy, he was a smoker and he

didn’t disclose this fact. He got cancer. Insurance company won’t pay anything as John didn’t reveal the

important facts.

Principle of Insurable Interest

Insured must have the insurable interest on the subject matter

In case of life insurance spouse and dependents have insurable interest in the life of a

person.Corporations also have insurable interests in the life of it’s employees

In case of life or marine insurance, insured must be the owner both at the time of entering

of entering into the insurance contract and at the time of accident.

Principle of Indemnity





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Insured can’t make any profit from the insurance contract. Insurance contract is meant

for coverage of losses only

Indemnity means a guarantee to put the insured in the position as he was before accident

This principle doesn’t apply to life insurance contracts

Principle of Contribution

In case the insured took more than one insurance policy for same subject matter, he/she can’t

make profit by making claim for same loss more than once

For example – Raj has a property worth Rs.5,00,000. He took insurance from Company A

worth Rs.3,00,000 and from Company B – Rs.1,00,000.In case of accident, he incurred a loss of

Rs.3,00,000 to the property. Raj can claim Rs. Rs.3,00,000 from A but after that he can’t make profit by

making a claim from Company B. Now Company A can make a claim from Company B to for proportional

loss claim value.

Principle of Subrogation

After the insured gets the claim money, the insurer steps into the shoes of insured. After making

the payment insurance claim, the insurer becomes the owner of subject matter.

For example :- Ram took a insurance policy for his Car. In an accident his car totally damaged. Insurer

paid the full policy value to insured. Now Ram can’t sell the scrap remained after the scrap.

Principle of Loss Minimisation

This principle states that the insured must take all the necessary steps to minimize the losses to

inured assets.

For example – Ram took insurance policy fo his house. In an cylinder blast, his house burnt. He should

have called nearest fire station so that the loss could be minimised.

Principle of Cause Proxima

Word “Cause Proxima” means “Nearest Cause”

An accident may be caused by more than one cause. In case property insured for only

one cause. In such case nearest cause of the accident is found out.

Insurer pays the claim money only if the nearest cause is insured

Important milestones in the Indian Life insurance business





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1818: Oriental Life Insurance Company, the first life insurance company on Indian soil started

functioning.

1870: Bombay Mutual Assurance Society, the first Indian life insurance company started its

business.

1912: The Indian Life Assurance Companies Act came into force for regulating the life insurance

business.

1928: The Indian Insurance Companies Act was enacted for enabling the government to collect

statistical information on both life and non-life insurance businesses.

1938: The earlier legislation consolidated the Insurance Act with the aim of safeguarding the

interests of the insuring public.

1956: 245 Indian and foreign insurers and provident societies were taken over by the central

government and they got nationalized. LIC was formed by an Act of Parliament, viz. LIC Act,

1956. It started off with a capital of Rs. 5 crore and that too from the Government of India.

Insurance Repository in India

The Insurance Repository in India is a database of insurance policies. It allows policy holders to make

revisions to a policy with speed and accuracy. It launched on 16 September 2013. It is the world's first of

its kind. India's Insurance Regulatory and Development Authority had issued licenses to five entities to

act as Insurance Repositories:

Central Insurance Repository Limited (CIRL)

SHCIL Projects Limited

Karvy Insurance repository Limited

NSDL Database Management Limited

CAMS Repository Services Limited

Public Sector Insurance Companies

Life Insurance Corporation of India

General Insurance Corporation of India

National Insurance Co. Ltd.

Oriental Insurance Co. Ltd.

New India Assurance Co. Ltd.





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United India Insurance Co. Ltd.

Joint Ventures Insurance Companies:

Aviva India is an Indian life assurance company, and a joint venture between the Aviva plc.,

which is a British assurance company, and the Dabur Group, an Indian conglomerate.

AEGON Religare Life Insurance is a joint venture between AEGON, Religare and Bennett,

Coleman & company

Bajaj Allianz Life Insurance Company Limited is a joint venture insurance company between the

Bajaj Finserv Limited (which recently emerged from the Bajaj Auto Limited) and the Allianz.

Birla Sun Life Insurance Company Limited ( BSLI) is a joint venture between the

Aditya Birla Group, an Indian conglomerate and the Sun Life Financial Inc, which is a leading

international financial services organization of Canada.

Bharti AXA General Insurance Company Ltd is a joint venture between Bharti Enterprises, a

leading Indian business group and AXA, a world leader in financial protection. The joint venture

company has a 74% stake from Bharti and 26% stake of the AXA Group.

Canara HSBC Oriental Bank of Commerce Life Insurance Company Limited was launched on 16

June 2008 and is a Joint Venture between Canara Bank (holding 51%), HSBC Insurance (Asia

Pacific) Ltd (holding 26%), the Asian insurance arm of one of the world’s largest banking and

financial services groups – HSBC and Oriental Bank of Commerce (holding 23%).

Cholamandalam MS General Insurance Company (Chola MS) is a joint venture between the

Murugappa Group, an Indian conglomerate, and the Mitsui Sumitomo Insurance Group (MSIG),

which is a Japanese assurance company.

Cigna TTK is an Indian health insurance firm which is established as a joint venture between the

Cigna, a global insurance player and the TTK Group, which is an Indian conglomerate.

Exide Life Insurance Company Limited is a Bengaluru based life insurance company founded in

2001, formerly known as ING Vysya Life Insurance Company Limited. It began as a joint venture

between ING Vysya Bank and Exide Industries Ltd. after ING Vyasya divested from it, it is now

fully owned by Exide Industries Ltd.

Edelweiss Tokio Life Insurance is a Life Insurance joint venture between Edelweiss

Financial Services, Mumbai & Tokio Marine Holdings Inc, Japan.





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EGON Religare Life Insurance is a joint venture of AEGON, Religare and Bennett, Coleman &

company.

Future Generali Life Insurance is a joint venture between three leading groups: Future Group –

A leading retailer of India, Generali Group – A global insurance group that features among the

top 50 largest companies of the world an Industrial Investment Trust Limited (IITL) – A leading

investment company.

HDFC Life -It is a joint venture between the Housing Development Finance Corporation (HDFC),

which is one of India’s leading housing finance institution and the Standard Life plc., which is a

leading provider of financial savings & investments services in United Kingdom. HDFC Ltd. holds

72.37 percent and Standard Life (Mauritius Holding) Ltd. holds 26 per cent of equity in this joint

venture, while rest is held by others.

HDFC ERGO General Insurance Company is a 74:26 joint venture between the HDFC, which is

India’s premier Housing Finance Institution and the ERGO International AG, the primary

insurance entity of Munich Re Group.

IDBI Federal Life Insurance Co. Ltd.,(formerly IDBI Fortis Life Insurance) is a joint venture

between three financial companies – development and commercial bank, IDBI Bank, India’s

public sector bank, Federal Bank and European insurer Ageas (formerly Fortis), which was

formed on March 2008. In this venture, IDBI Bank owns 48% equity while Federal Bank and

Ageas own 26% equity each.

ICICI Prudential Life Insurance Company (ICICI Prudential Life) is a joint venture of

ICICI Bank, which is India’s largest private sector bank, and Prudential plc , which is a leading

international financial services group with its headquarters in the United Kingdom.

ICICI Lombard General Insurance Company Limited is a joint venture between the

ICICI Bank Limited, India’s second largest bank and the Fairfax Financial Holdings Limited, which

is a Canada based diversified financial services company.

IFFCO Tokio General Insurance is a joint venture between the Indian Farmers Fertiliser

Cooperative (IFFCO) and the Tokio Marine and Nichido Fire Group.

Liberty Videocon General Insurance is a joint venture between the Boston based insurance

company Liberty Mutual Insurance Group and India based Videocon Industries. It is based in

Mumbai.

Max Life Insurance, one of the life insurers, is a joint venture between Max India Ltd. and

Mitsui Sumitomo Insurance Co. Ltd. Max India is an Indian multi-business corporate, while

Mitsui Sumitomo Insurance is a member of MS&AD Insurance Group, a general insurer.

Max Bupa Health Insurance Company Limited is a joint venture insurance company between

Max India Limited and Bupa Finance plc., based in UK .





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Magma HDI General Insurance Co Ltd. is a joint venture between Magma Fincorp Ltd, Kolkata

and HDI-Gerling Industries Versicherung AG Germany.

Star Union Dai-ichi Life Insurance Co. Ltd. (SUD Life ) is a joint venture of Bank of India, Union

Bank of India and Dai-ichi Life, which is a leading life insurance company of Japan.

SBI General Insurance Company Limited is a joint venture of the State Bank of India and

Insurance Australia Group (IAG). In this, SBI owns 74 per cent of the total capital and IAG owns

the remaining 26 per cent.

Star Health and Allied Insurance Co Ltd is a joint venture between the

Oman Insurance Company UAE, along with leading NRIs and an Indian company. It is a special

purpose vehicle formed by a group of business tycoons for working in the health insurance

sector.

Tata AIG General Insurance Company Limited is an Indian general insurance company. Which is

a joint venture between the Tata Group and the American International Group (AIG). The Tata

Group holds 74 % stake in the insurance venture with AIG holding 26 %.

Tata AIA Life Insurance Company Limited (Tata AIA Life) is a joint venture company, formed by

Tata Sons Ltd. and AIA Group Ltd. (AIA)

Major Insurance Plans of LIC

ENDOWMENT ASSURANCE PLANS:

LIC’s Single Premium Endowment Plan No. 817): A single Premium With-Profits plan where the

sum assured is payable along with the accrued bonuses on maturity or on earlier death of the

life assured. On death before the commencement of risk, the single premium paid is returned

without interest.

LIC’s New Endowment Plan (Plan No. 814): A Regular premium With-Profit plan which provides

for applicable sum assured along with accrued bonuses on maturity or an earlier death of life

assured.

LIC’s New Jeevan Anand (Plan No. 815): It is a unique With-Profits plan wherein on death during

the policy term or on survival to the end of the policy term, the applicable sum assured is

payable along with the accrued bonuses. On death after the expiry of the policy term, basic sum

assured is payable.

TERM ASSURANCE PLANS

LIC’s Ammol Jeevan – II (Plan No. 822): A pure term assurance plan where one can choose any

sum assured from 6 lakhs to 24 lakhs





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LIC’s Amulya Jeevan – II (Plan No. 823): A pure team assurance plan with a minimum sum

assured of 25 lakhs

LIC’s e-Term Plan (Plan No. 825): A pure term assurance plan which is available for online sale

only under this

MICRO INSURANCE PLANS:

LIC’S New Jeevan Mangal (Plan No. 819): A Micro Insurance cum Term Insurance plan wherein

the Sum assured varies from 10,000/- to 50,000/- In this plan, total premiums paid is repaid on

maturity.

PENSION PLANS:

LIC’s Jeevan Akshay – VI (Plan No. 189): An immediate annuity plan with a number of options.

LIC’s New Jeevan Nidhi (Plan No. 818): A with-Profits, deferred pension plan which provides

death cover during the deferment period.

HEALTH INSURANCE PLAN:

LIC’s Jeevan Arogya (Plan No. 904): A non-linked health insurance plan which provides for fixed

benefits for hospitalization and almost all types of surgical procedures irrespective of actual cost

incurred.

OTHER PLANS:

LIC’s New Money Bank Plans (Plan Nos. 820, 821): Besides providing life cover during the term

(20 & 25 years) of the policy, survival benefits linked to the sum assured during the term of the

policy will be available.

LIC’s New Bima Bachat (Plan No. 816): A Single Premium money back plan with policy term of 9,

12 and 15 years. Survival benefits during the term of policy are available.

Important Life Insurance Policies in India

Here we have given the list of Important Life Insurance Policies in India for the upcoming LIC AAO Exam.

Depending on their objectives, there are at least three types of life insurance policy classifications.

A life insurance policy could offer pure protection (Term Plans)

Another variant could offer protection as well as investment (Insurance-cum-Investment

Products)

Some others could offer only investment (Investment Products)





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Pure Insurance Products

Term Plans:

Cheapest insurance & Covers only the risk of your dying

You pay premium year on year to the insurance company and if you die, the insurance amount,

called the Sum Assured, is paid out to the nominees. If you survive, you don’t get anything and

lose the yearly premiums you paid.

The premium for such policies will obviously be more as compared to pure term plans.

Insurance-cum-Investment Products

As the name suggests, these are plans that provide insurance and along with it return on investments.

Endowment Plans: Take a term plan and add an offer of some returns on the premiums you pay – that is

an endowment policy for you. If you survive the policy term, you get the sum assured plus the returns

and if you die during the policy tenure, you still get the sum assured plus some returns. To get these

returns along with the life cover, you end up paying more premium.

With-profit endowment plans: These plans share the profits the insurance company makes each year

with the policyholder. So they offer more returns than without-profit endowment plans and are more

expensive as well – that it, for all parameters considered same, the premiums will be higher than

without-profit endowment plans.

Without-profit endowment plans: These plans do not participate in the profits the insurance company

makes each year. Apart from the sum assured, you could possibly get a loyalty bonus, which is a one-

time payout made in appreciation of your sticking to the insurance company.

Whole-life plans: Term plans, endowment plans and money back plans offer insurance cover till a

specified age, generally 70 years. Whole-life plans provide cover throughout your life. Usually, the

policyholder is given an option to pay premiums till a certain age or a specified period (called maturity

age).On reaching the maturity age, the policyholder has the option to continue the cover till death

without paying any premium or encashing the sum assured and bonuses.





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Money-back plans: Money-back plans are variants of endowment plans with one difference – the

payout can be staggered through the policy term. Some part of the sum assured is returned to the

policy holder at periodic intervals through the policy tenure. In case of death, the full sum assured is

paid out irrespective of the payouts already made.

Unit-linked insurance plans (ULIP): ULIP give you greater control on where your premium can be

invested. Think of them like mutual funds. The annual premium you pay can be invested in various types

of funds that invest in debt and equity in a proportion that suits all types of investors. You can switch

from one fund plan to another freely and you can also monitor the performance of your plan

easily. There are various charges to be aware of in a ULIP and is suitable for those who understand the

stock market well. Of late, ULIPs qualified as the most abused insurance plan.

Investment Products

Pension Plans:

Investment options that let you set up an income stream in your post retirement years by giving

away your savings to an insurance company who invests it on your behalf for a fee.

The returns you get depends on a host of factors like how much you contributed and when is it

that you started, the number of years when you want the money to come to you and at what

age that starts.

When you buy the pension plan contract, if the payment to you (called annuity) starts

immediately it is called an immediate annuity contract. However, if the payout starts after some

years of deferment, it is called a deferred annuity.

Insurance Ombudsman scheme

Introduction:

The Insurance Ombudsman scheme was created by Government of India for individual policyholders to

have their complaints settled out of the courts system in a cost-effective, efficient and impartial way.

There are 17 Insurance Ombudsman in different locations and you can approach the one having

jurisdiction over the location of the insurance company office that you have a complaint against.





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Objective : To provide a forum for resolving disputes and complaints from the aggrieved insured public

or their legal heirs against Insurance Companies, the Government of India, in exercise of powers

conferred on it u/s 114(1) of Insurance Act, 1938 framed “Redressal of Public Grievances Rules, 1998”,

which came into force w.e.f. 11th November, 1998.

Features of Insurance Ombudsman:

A representation should be made to the Insurance Company and either an unsatisfactory reply

should have been received or the representation should stand as un-replied for at least 1

month.

The complaint must be lodged within 1 year of the events.

The total relief sought must be within an amount of Rs.20 lakhs.

The subject matter of the complaint should not currently be or have earlier been before a

Court/Consumer Forum.

No fees / charges are required to be paid.

Any aggrieved individual who has taken an Insurance Policy on personal lines (or if deceased,

the legal heir(s) under such policy) can approach Ombudsman.

If the Ombudsman deems it fit in the circumstances of the case, he may award ex-gratia

payment.

Complaints pertaining to repudiation of claims totally or partially, delay in settlement of claims,

any dispute on the legal construction of the policies in so far as such disputes relate to claims,

disputes regarding premiums paid / payable and non-issue of insurance documents.

Insurance on personal lines means a policy taken or given in an individual capacity, e.g. life

insurance, personal accident insurance, mediclaim insurance, insurance of personal property of

the individual such as motor vehicle, household articles, etc.

You can write complaint to the Ombudsman about:

Any partial or total repudiation of claims by an insurer

Any dispute about premium paid or payable in terms of the policy

Any dispute on the legal construction of the policies as far as it relates to claims

Delay in settlement of claims

Non-issue of any insurance document to you after you pay your premium





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You can approach the Ombudsman with complaint if:

You have first approached your insurance company with the complaint and they have not

resolved it OR not resolved it to your satisfaction OR not responded to it at all for 30 days.

Your complaint pertains to any policy you have taken in your capacity as an individual and

The value of the claim including expenses claimed is not above Rs 20 lakh.

The settlement process Recommendation:

The Ombudsman will act as counsellor and mediator and

Arrive at a fair recommendation based on the facts of the dispute

If you accept this as a full and final settlement, the Ombudsman will

Inform the company which should comply with the terms in 15 days

Award:

If a settlement by recommendation does not work, the Ombudsman will:

Pass an award within 3 months of receiving the complaint and which will be a speaking award

with the detailed reasoning and Binding on the insurance company but Not binding on the

policyholder

The Ombudsman can also award an ex-gratia payment

Once the Award is passed:

You have to accept the award in writing and the insurance company has to be informed of it

within 30 days and

The Insurance Company has to comply with the award in 15 days after that.





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Highlights of IRDAI (Transfer of Equity Shares of Insurance Companies) Regulations, 2015

According to the notification, all investors (where there are one or more investors in an

insurance company) jointly should not hold more than 25 percent of the paid-up equity

share capital of the insurance company.

Further, with reference to the proposals pertaining to the transfer of shares in insurance

companies, the authority said it might ask Indian promoters as well as foreign investors

to have minimum lock-in period for infusion of additional capital as a pre-condition for

approval.

It will also carry out its own ’due diligence’ before approving any deal for transfer of

shares of insurance companies. The applications seeking prior approval of the authority

should be accompanied by a declaration from a proposed shareholder whether the

shares are proposed to be held for his own benefit or as a nominee, whether jointly of

severally, or on behalf of others.

No registration of transfer of shares or issue of equity capital of insurance company

which will result in change in the shareholding should be made if after the transfer the

total paid-up holding of the transferee in the shares of the insurance company is likely

to exceed 1 percent of its paid-up equity capital, the notification said.

Why are the new norms significant? The new norms are significant in the backdrop of

the recent hike in the upper cap of foreign direct investment in insurance companies

from 26 percent to 49 percent, which has already triggered some action on this front.





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Some foreign stakeholders have expressed their intent to raise their stakes and rejig of

existing investors might also take place.

Important Insurances Companies and Heads-Taglines

Insurance Company Headquarter CMDs Tag Line

Apollo Munich Health

Insurance

Gurgaon Dr. Prathap C. Reddy We Know Healthcare,

We Know Insurance.

Aviva India Life Insurance Gurgaon Mr TR Ramachandran Kal Par Control

Bajaj Allianz Life

Insurance Company

Limited

Pune Mr. Anuj Agarwal Jiyo Befiqar

Birla Sun Life Insurance

Company Limited

Mumbai Mr. Pankaj Razdan Your Dreams, Out

Commitment

Exide Life Insurance India

Company

Bangalore Mr. Rajan Raheja Adding Life to Insurance

Future Generali Life

Insurance

Mumbai Mr. G.N.Bajpai Total Insurance Solutions

HDFC Standard life

Insurance Company

Limited

Mumbai Mr. Amitabh Chaudhry Sar Utha Ke Jiyo

ICICI Prudential Life

Insurance Company

Limited

Mumbai Mr. Sandeep Bakhshi We Cover You, At Every Step

in Life





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Kotak Mahindra Old

Mutual Life Insurance

Limited

Mumbai Mr. Gaurang Shah Faidey Ka Insurance

Life Insurance

Corporation of India

Mumbai Shri S. K. Roy Yogakshemam Vahamyaha (is

in Sanskrit language which

translates in English as “Your

welfare is our responsibility”)

Max Life Insurance Co.

Ltd.

New Delhi Mr. Rajesh Sud Aapke Sachche Advisor

National Insurance

Company

Kolkata Shri Rajesh Aggarwal Thoda Simple Soche

New India Assurance

Company Ltd

Mumbai Mr. G. Srinivasan India’s Premier General

Insurance Company

Oriental Insurance

Company Limited

New Delhi Dr.A.K.Saxena Prithvi, Agni, Jal, Akash, Sabki

Suraksha Hamare Paas

PNB MetLife India

Insurance Company

Limited

Gurgaon Mr. Tarun Chugh Have You Met Life Today?

SBI Life Insurance

Company Limited

Mumbai Mr. Arijit Basu With Us, You’re Sure

Tata AIA Life Insurance

Company Limited

Mumbai Ishaat Hussain A New Look at Life

United India Insurance

Company Limited

Chennai Shri Milind A Kharat At United India, It is Always U

Before I





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Important Insurance Abbreviations

ACSR – Accredited Customer Service Representative

ARM – Associate in Risk Management

ARMP – Associate in Risk Management for Public Entities

ASOP – Actuarial Statement of Practice

BAP – Business Auto Policy

BCBSA – Blue Cross and Blue Shield Association

BI – Bodily Injury

BOP – Business Owners Policy

CFROI – Cash Flow Return on Investments

CRIS – Construction Risk and Insurance Specialist

CIC – Certified Insurance Counselor

CISR – Certified Insurance Service Representative

CPCU – Chartered Property Casualty Underwriter

CPIW / CPIM – Certified Professional Insurance Woman / Man

CCC – Care, Custody, or Control (Exclusion)

COBRA – Consolidated Omnibus Budget Reconciliation Act

D&B – Dun & Bradstreet

DEC – Declarations Page

DED – Deductible





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DI – Disability Income

DIC – Difference-In-Conditions (Insurance)

DIL – Difference-In-Limits (Clause)

D&O – Directors and Officers (Liability Insurance)

DSU – Delay in Start-Up Insurance

DOB – Date of Birth

DOC – Drive Other Car Coverage

DOD – Date of Death

EAP – Estimated Annual Premium

EBIDDA – Earnings Before Interest, Dividends, Depreciation, And Amortization

EH&S – Environmental Health and Safety

EP – Earned Premium

EPA – Environmental Protection Agency

EPD – Expected Policyholder Deficit

EPL – Employment Practices Liability

EPLI – Employment Practices Liability Insurance

ETB – Engaged In Trade or Business

FAIR – Fair Access to Insurance Requirements

FALU – Fellow of the Academy of Life Underwriting

FCAS – Fellow of the Casualty Actuarial Society

FAP – Family Automobile Policy (More Commonly Pap)

FCPL – Farmers Comprehensive Personal Liability

FCRA – Fair Credit Reporting Act





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FIRM – Flood Insurance Rate Map

FIRREA – Financial Institutions Reform Recovery and Enforcement Act

FMV – Air Market Value

FTCAC – Fire, Theft, and Combined Additional Coverage

FVD – Full Value Declared

GAP – Guaranteed Auto Protection

GCD – Guaranteed Cost Discount

GIO – Guaranteed Insurability Option

GKLL – Garage Keepers Legal Liability (Insurance)

GL – General Liability

GVW – Gross Vehicle Weight

GWP – Gross Written Premium

HIAA – Health Insurance Association of America

HII – Health Insurance Institute

HIPAA – Health Insurance Portability and Accountability Act

HLDI – Highway Loss Data Institute

HLV – Human Life Value

HCQIA – Health Care Quality Improvement Act

HPL – Hospital Professional Liability (Insurance)

HPR – Highly Protected Risk (Property)

IAHU – International Association of Health Underwriters

IFC – Insured Fixed-Price Cleanup

IIAA – Independent Insurance Agents of America, Inc.





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IIAC – International Insurance Advisory Council

IIHS – Insurance Institute for Highway Safety

III – Insurance Information Institute

IRI – Industrial Risk Insurers

IRIS – Insurance Regulatory Information System

IRM – Improved Risk Mutuals

ITI – Insurance Testing Institute

JCAH – Joint Commission on the Accreditation of Hospitals

JCAHO – Joint Commission on Accreditation of Healthcare Organizations

JSA – Job Safety Analysis

JUA – Joint Underwriting Authority; Joint Underwriting Association

JV – Joint Venture

LAE – Loss Adjustment Expense

LIAA – Life Insurance Association of America

LIAMA – Life Insurance Agency Management Association

LIRB – Liability Insurance Research Bureau

LLC – Limited Liability Company

LMU – Loss Mitigation Underwriting

LOC – Letter Of Credit

LTA – Lost Time Accident; Long Term Agreement

LTD – Long-Term Disability

MCO – Managed Care Organization

M&D – Minimum and Deposit





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MDO – Monthly Debit Ordinary Life Insurance

MDRT – Million Dollar Round Table

MET – Multiple Employer Trust

MFL – Maximum Foreseeable Loss

MLE – Maximum Loss Expectancy

MLEA – Multiple Line Exclusive Agent

MPCI – Multi-Peril Crop Insurance

MPL – Maximum Possible Loss

MPP – Managed premium plan

MVR – Motor Vehicle Record

NAUA – National Auto Underwriters Association

NDI – National Disaster Insurance Association

NFIP – National Flood Insurance Program

NFIRA – National Flood Reform Act

NFPA – National Fire Protection Association

NIOSH – National Institute for Occupational Safety and Health

NRRA – National Risk Retention Association

NRT – National Response Team

NSC – National Safety Council

OCA – Outstanding Claims Account

OCIP – Owner Controlled Insurance Program

OD – Occupational Disease

OL&T – Owners, Landlords, and Tenants (Insurance)





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ORFS – Operational Risk Financing Securities

ORM – Operational Risk Management

OSHA – Occupational Safety and Health Act; Occupational Safety and Health Administration

OSLR – Outstanding Loss Reserves

OTC – Other Than Collision

PAP – Personal Auto Policy

P&C – Property and Casualty

PC – Professional Corporation

P&I – Protection and Indemnity (Insurance)

PI – Personal Injury

PIA – Primary Insurance Account

PIAA – Physician Insurers Association of America

PICA – Professional Insurance Communicators of America

PIP – Personal Injury Protection

PMA – Package Modification Adjustment

PMF – Package Modification Factor

PMI – Private Mortgage Insurance

PML – Probable Maximum Loss

RAA – Reinsurance Association of America

RAM – Reverse-Annuity Mortgage

RAROC – Risk-Adjusted Return On Capital

RARORAC – Risk-Adjusted Return On Risk-Adjusted Capital

RBC – Risk-Based Capital





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RBNE – Reserved But Not Enough

RC – Replacement Cost

RTW – Return To Work

SAA – Surety Association of America

SCOPE – Supervision, Construction, Occupancy, Protection, Exposure

SCPCU – Society of Chartered Property & Casualty Underwriters

SEC – Securities and Exchange Commission

SEMCI – Single Entry Multiple Carrier Interface

S&P – Standard and Poor’s

SPAP – Special Personal Auto Policy

STD – Short-Term Disability

TDB – Temporary Disability Benefits

TDI – Trade Disruption Insurance

TEFRA – Tax Equity and Financial Responsibility Acts of 1982 & 1983

TERI – Targeted Enterprise Risk Insurance

TIAA – Teachers Insurance and Annuity Association

TOLI – Trust-Owned Life Insurance

TOR – Technique Of Operations Review

TPA – Third-party administrator

TRA – Tax Reform Act of 1984

TRIA – Terrorism Risk Insurance Act

TTD – Temporary Total Disability

UEP – Unearned Premium





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UJF – Unsatisfied Judgment Fund

UIM – Underinsured Motorist

UIMV – Underinsured Motor Vehicle

UL – Umbrella Liability; Underwriters’ Laboratories

ULAE – Unallocated Loss Adjustment Expenses

ULC – Underwriters Laboratories of Canada

UM – Uninsured Motorist

UMPD – Uninsured Motorist Property Damage

UMV – Uninsured Motor Vehicle

UNL – Ultimate Net Loss

U&O – Use and Occupancy

WC – Workers Compensation

WCRI – Workers Compensation Research Institute

YRCT – Yearly Renewable Convertible Term

YRT – Yearly Renewable Term





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Important Insurance terms

Actuary: A specialist in the mathematics of insurance who calculates rates, reserves, dividends

and other statistics

Annuity: An agreement by an insurer to make periodic payments which continue during the

survival of the annuitant(s) or for a specified period.

Claim: A demand made by the insured, or the insured’s beneficiary, for payment of the benefits

as provided by the policy.

Coverage: It is the range of protection that you are provided under an insurance policy.

Death Benefit: The limit of insurance or the amount of benefit that will be paid in the event of

the death of a covered person.

Deductible: The amount you have to pay out of pocket for expenses before the insurance

company will cover the remaining costs.

Endowment Insurance: Endowment insurance pays the sum assured upon the death of the life

insured during the policy terms or on survival to the end of the policy term.

Exclusive: Things that are not covered under the policy

Indemnity: Restoration to the victim of a loss by payment, repair or replacement.

Insurable Interest: Interest in property such that loss or destruction of the property could cause

a financial loss.

Maturity value: It is the amount the insurance company has to pay you when the policy

matures. This would include the sum assured and the bonuses.

Paid-up value: If you stop paying the premiums, but do not withdraw the money from your

policy, the policy is referred to as paid-up.

Peril: It is the causes of the possible loss or damage.

Policy: Policy is the legal document issued by the insurance company that outlines the general

terms and conditions of the insurance.

Premium: It is the amount you need to pay to the insurance company.





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Reinsurance: In effect, insurance that an insurance company buys for its own protection. The

risk of loss is spread so a disproportionately large loss under a single policy doesn’t fall on one

company. Reinsurance enables an insurance company to expand its expanding volume; secure

catastrophe protection against shock losses; and withdraw a specified time period.

Renewal: The automatic re-establishment of in-force status effected by the payment of another

premium.

Rider: It is an optional feature that can be added to a policy. You will have to pay an additional

premium to avail this benefit.

Subrogation: It is the right for an insurer to pursue a third party that caused an insurance loss to

the insured. This is done as a means of recovering the amount of the claim paid to the insured

for the loss.

Sum assured: It is the amount of money an insurance policy guarantees to pay before any

bonuses are added. In other words, sum assured is the guaranteed amount you will receive.

Halfway through the policy, you might want to discontinue it and take whatever money is due to

you.

Surrender value: This is the amount payable at the end of specified duration. These amounts

are fixed and predetermined.

Insurance Settlement: A payment on an insurance claim. That is, when a valid insurance claim is

made, the insurer makes a payment to the policyholder. This is call the insurance settlement.

Lapse: Termination of a policy due to failure to pay the required renewal premium.

Term insurance: It is the most traditional life insurance policy wherein the insured gets death

benefit if any contingency happens within the policy term. The insured is, however, not entitled

to receive any survival benefit if he outlives the policy term.

Underwriting: The process of selection risks for insurance and determining in what amounts and

on what terms the insurance company will accept. Unlike a term insurance cover, if you live, an

amount will be paid to you on maturity of the plan.





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Important Countries and Capitals and Some Significant Points

India-------------------------------------------------------------New Delhi

Pakistan--------------------------------------------------------Islamabad

Nepal------------------------------------------------------------Kathmandu

Bhutan---------------------------------------------------------- Thimphu

Sri Lanka--------------------------------------------------------Colombo

Maldives-------------------------------------------------------Male

Myanmar------------------------------------------------------Naypyidaw

Afghanistan--------------------------------------------------- Kabul

South Korea---------------------------------------------------Seoul

Japan----------------------------------------------------------- Tokyo

Australia------------------------------------------------------- Canberra

China----------------------------------------------------------- Beijing

United States-------------------------------------------------Washington DC

New Zealand------------------------------------------------- Wellington

Germany------------------------------------------------------ Berlin

Italy------------------------------------------------------------- Rome

France--------------------------------------------------------- Paris

United Kingdom--------------------------------------------- London

Spain----------------------------------------------------------- Madrid

Brazil----------------------------------------------------------- Brasilia

Russia---------------------------------------------------------- Moscow

South Africa-------------------------------------------------- Pretoria

Canada-------------------------------------------------------- Ottawa

Egypt---------------------------------------------------------- Cairo

Libya----------------------------------------------------------- Tripoli

Sudan ---------------------------------------------------------Khartaum (North Sudan)

Lebanon------------------------------------------------------- Beirut

Congo----------------------------------------------------------Brazzaville

Ivory Coast----------------------------------------------------Abidjan

Haiti------------------------------------------------------------Port-au-Prince

Liberia----------------------------------------------------------Monrovia

Nigeria---------------------------------------------------------Abuja

Indonesia------------------------------------------------------Jakarta

Argentina------------------------------------------------------Buenos Aires

Israel------------------------------------------------------------Jerusalem





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Color __________ represents G8 Countries. The Group of Eight (G8) was the name of a forum

for the governments of a group of eight leading industrialized countries that was originally

formed by six leading industrialized countries and subsequently extended with two additional

members. Russia is currently a suspended member of this group

Color _________ represents SAARC Nations. Talks are going on to include Afghanistan in this

group. This is a group concerned with the Southern Asian Nations of the World

Color ________ Represents BRICS Countries. These Countries is a group of 5 fastest developing

nations of the world.

Color ________ represents the countries where Indian Army is handling the peace efforts under

UNO

Color ________ represents country which saw a public uprising and the people sitting in power

had to run away. Mohammad Gaddafi was ousted from Libya and Hosni Mubarak was ousted

from Egypt.

Nigeria is fighting terrorism against a group named BOKO Haram.

IRAQ and Syria Are fighting terrorism against a militant group called ISIS. They have control

over an area one-third the size of United Kingdom.

India and Australia recently signed the Nuclear Deal.

National Parks in India

KARNATAKA

Kudremukh National Park

Rajiv Gandhi National Park

Bannerghatta National Park

Bandipur National Park

Anshi National Park

UTTARAKHAND Corbett National Park

Valley of Flowers National Park

Rajaji National Park

Gangotri National Park

Govind Pashu Vihar

Nanda Devi National Park





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TAMIL NADU Guindy National Park

Gulf of Mannar Marine National Park

Indira Gandhi National Park

Palani Hills National Park

Mukurthi National Park

Mudumalai National Park

WEST BENGAL Gorumara National Park

Singalila National Park

Sundarbans National Park

Neora Valley National Park

RAJASTHAN Sariska National Park

Ranthambore National Park

Desert National Park

Darrah National Park

Keoladeo National Park

Mount Abu Wildlife Sanctuary

MAHARASHTRA Chandoli National Park

Tadoba Natoinal Park

Gugamal National Park

Navegaon National Park

Pench National Park

Sanjay Gandhi National Park or Borivili

National Park





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ASSAM Dibru – Saikhowal National Park

Kaziranga National Park

Orang National Park

Nameri National Park

Manas National Park

GUJARAT Vansda National Park

Blackbuck National Park, Velavadar

Gir National Park

Gulf of Kachch Marine National Park

MADHYA PRADESH Bandhavgarh National Park

Van Vihar National Park

Satpura Natoinal Park

Sanjay National Park

Pench National Park

Panna National Park

Madhav National Park

Kanha National Park

Mandla Plant Fossil National Park

MANIPUR Keibul Lamjao National Park

Sirohi National Park

Names of National Parks in Meghalaya

Nokrek National Park

Balphakram National Park





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ANDHRA PRADESH Mahavir Harina Vanasthali National Park

Andhra Pradesh Kasu Brahmananda Reddy

National Park

Mrugavani National Park

Sri Venkateswara National Park

ANDAMAN NICOBAR ISLAND Campbell Bay National Park

Galathea National Park

Mahatma Gandhi Marine National Park

(Formerly known as Wandur National Park)

Middle Button Island National Park

Mount Harriet National Park

North Button Island National Park

Rani Jhansi Marine National Park

Saddle Peak National Park

South Button Island National Park

Do tell us on how was the sheet. What did you find missing and how can

we improve in on it

LIC-AAO-Capsule.pdf

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