Ikzdj.

k 1
izdYi vgoky vH;kl in~/krh
1.1 izdYi vH;kl fo’k;kph fuoM

1.2 izdYi vH;kl fo’k;kph mn~ns”k

1.3 foek {ks=kpk bfrgkl o LFkkiuk

1.4 Ekfgrh ladyu

1.5 iwoZ fLFkrh

1.6 Lkn~; fLFkrh

1.7 izdYi vH;klkps x`fgrds

1.8 izdYi vH;kl fo’k;kph O;kIrh

1.9 Hkkjrh; thou foek egkeaMG

1.10 izdYi vgokykP;k e;kZnk

1
 1-1 izdYi vgoky vH;kl fo’k;kph
fuoM
Ekh laxeusj egkfon;ky;kr ,e-dkWe Hkkx 2 ;k oxkZr

f”k{k.k ?ksr vlwu vkEgkyk O;olk; iz”kklu 4 vgokyklkBh

dks.krk fo’k; fuoMk;pk gh rj dBh.k ckc gksrh- ^^fjyk;Ul thou

foek fuxe egkeaMGkph dk;Zin~/krh o uohu ;kstuk** gk fo’k;

fuoMyk vkgs- Hkkjrh; foek mn;ksx tkxfrd ekianMk Ik;Zar

iksgp.;klkBh yksdkauk foek [kjsnh dj.;kph lDrh dj.;k,soth

R;kauh foek [ksPNsusmrj.ks gs Qkj vko”;d vl.;kekxs lokZr

eksBk ?kVd gk xjhch gk vlY;kps y{kkr ;srs- vkt yksdkaps

thou gs /kkoiGhps vlwu rs /kkoiGhps thou lwjf{kr dj.;kph xjt

vkgs- gs y{kkr vkys- R;kosGh fjyk;Ul foek fuxe dj.;kpk Bke

fuf”pr dsyk-

2
 1-2 izdYi vH;kl fo’k;kpk
mn~ns”k

1- fjyk;Ul thou foek fuxe gh ladYiuk letowu ?ks.ks-

2- fjyk;Ul thou foek fuxe ;k e/khy fofo/k ;kstukapk vH;kl

dj.ks-

3- fjyk;Ul thou foek fuxe ;kaps egRo letkowu ?ks.ks-

4- foek Eg.kts laj{k.k ekÖ;k ftoykxkaps vkf.k ekÖ;k

laiRrhps-

5- foek ekÖ;k Hkfo’;kps laj{k.k djrks foek ,taVP;k

Hkfo’;kps uOgs !

6- fjyk;Ul thou foek fuxe ;kaP;k dk;kZpk vH;kl dj.ks-

3
 1-3 foek {ks=kpk bfrgkl o
LFkkiuk
foek {ks=kpk bfrgkl [kwi twuk vkgs- vxnh vk;Z

pk.kD;kP;k vFkZ”kklL=krgh foE;kph ladYiuk vk<Grs

foE;kph ifgyh ikWyhlh pkSnkO; “krdkr Eg.kts 1347 e/;s

fnysyh vk<Grs- lrjkO; o vBjkO; “krdkr fczVh”kkauh lq:

dsysyk gk O;olk; laiq.kZ txkr iljysyk vk<Grks-

Hkkjrkr 1818 e/;s foek O;olk;kph lq:okr >kyh-

^^vksfj;aVy bU”kqjUl** gh ifgyh foek daiuh LFkkiuk >kyh-

gh daiuh vxksnj dsoG ;qjksi; yksdkauk foek nsr vls- uarj eax

Hkkjrh; yksdkauk 15 VDds rs 20 VDds tkLrhr gIrk vkdk:u

foek fnyk tkr vls- R;kuarj Hkkjrke/;s [kkyhy izek.ks vusd

foek daiU;k LFkkiu >kY;k-

v- 1870 ckWEcs E;qP;wvy ykbZQ vW”;qjUl

lkslk;Vh

c- 1896 Hkkjr bUlqjUl daiuh

4
 d- 1906 ;quk;VsM bafM;k daiuh

M- 1907 dks vkWijsVhOg bU”kqjUl daiuh

;klkj[;k brj vusd daiU;k Lokra=iwoZ dkGkiklqu

Hkkjrke/;s dk;Zjr gksR;k- lnj daiU;koj ljdkjps dqBysgh

fu;a=.k o fu.kZ/k uOgrs- xzkgdkauk R;kaps foek nkos ijr

dj.;klkBh lqfLFkrhr jkghyk ukghr- ;krhy cÚ;kp daiU;k

fnokG[kksjhr fu?kkY;k- ;keqGs loZlkekU; xzkgdkaph

Qlo.kqd gksm ykxyh-

fjyk;Ul thou foek fuxe

egkeaMGkph LFkkiuk
fjyk;Ul thou foek fuxe egkeaMGkph LFkiuk 1 lIVsacj

1966 jksth >kyh- R;k ckcnlansus dsysyk dk;n;kl 18 tqu 1956

jkssth jk’Vªirhuh ekU;rk fnyh o rks dk;nk ykbQ bU”kqjaUl

dkWiksZjs’ku vWDV vfLrRokr vkyk- R;k fnolkaiklwu

Hkkjrkr thou foek O;olk; dj.;kpk ,deso vf/kdkj izkIr >kyk-

ykbQ bU”kqjaUl vkWfM;Ul 1956 ns”kkyk tkghj djrsosgh

5
R;k ossGsps vFkZea=h Jh-fp-n~ok ns”keq[k ;kauh

jsfMvksrhy dsysY;k Hkk’k.kkryk dkgh Hkkx mOnr dj.ks

mfpr Bjsy rs Eg.kkys—

^^vk;qfoZek O;olk;kps jk’Vªh;hdj.k gk vkiY;k ns”kkus

LohdkjysY;k lektoknh lektjpusP;k ekxkZojhy vk.k[kh ,d BIik

gks;- nqljh iapokf’kZad ;kstuk vk.k.;kP;k dkeh ;keqGs Qkj

eksykph enr ?ks.kkj vkgs- QDr foE;keqGsp th lqj{ksph

Hkkouk mRiUu gksm “kdrs- r”kh Hkfo’; dkGklkBh rjrqn

dj.;kP;k Hkkousph tkx`rh ;keqGs [ksM;k ikM;krhy y{ko/kh

yksdkar mRiUu gksbZy- yksdkaph [kjh lsok dj.;kpk

Hkkousus gs jk’Vªh;dj.k dj.;kr ;sr vkgs-

6
 1-4 ekfgrh ladyu
izkFkfed o nq¸;e vls nksUghgh i/nrhus izdYi vgokyklkBh

ekfgrh xksGk dsysyh vkgs- izkFkfed ekxkZrxZr fjyk;Ul thou

foek fuxe O;oLFkkiu o brj vf/kdkjh ;kaph eqyk[kr ?ksryh

vkgs- R;kaP;k eqyk[krhrwu egRokph ekfgrh feGkyh vkgs-

loZp ekfgrh eqyk[krhOnkjs u feGkY;keqGs eh la[;sdMwu

Nkihy Lo:ikrhy ekfgrh xksGk o ;k ekfgrho:u la[;sph izxrh

vH;klyh vkgs-

1- izkFkfed ekfgrh %

oS;Drhd fujh{k.k o rsFkhy O;oLFkkid] vf/kdkjh o

deZpkjh ;kaP;k ?ksrysY;k eqyk[krhrwu cjhp ekfgrh ladyhr

dsyh- ;k vuq’kaxkus ekfgrh feGfo.;klkBh eh [kkyhy i/nrhr

voyac dsyk vkgs-

v- FksV dk;kZy; HksV

c- izR;{k eqyk[kr

d- iz”ukoyh

7
2- nq¸;e ekfgrh %

;ke/;s eh la[;sps Nkihy vgoky vkfFkZd i=ds] ekfgrh

i=d laLFksph OgkmplZ ;k Onkjs ekfgrhps ladyu dsys-

8
 1-5 iwoZfLFkrh
Lokra«; izkIrhuarj ns”kkr 245 [kktxh daiU;k dk;Zjr

gksR;k- rRdkyhu dsnzha; vFkZea=h ^^lj fpre.kjko

ns”keq[k** ;kauh loZ 245 daiU;kps jk’Vªh;dj.k d:u 1966

lkyh fjyk;Ul thou foek fuxe egkeaMG LFkkiu dsys-

egkeaMGkus 1 lIVsacj 1966 jksth vkiyk dkjHkkj lq: dsyk-

Hkkjr ljdkjus egkeaMGkyk 5 dksVh :Ik;s HkkxHkkaMoy

iqjoys ;k vYi HkkxHkkaMoykP;k enrhus egkeaMGkus

vkiyk dkjHkkj lq: dsyk- eqacbZ ;sFks egkeaMGkps

eq[;ky; LFkkiu dj.;kr vkys- egkeaMGkps eq[;ky; LFkkiu

dj.;kr vkys- 5 {ks=h; 33 foHkkx.kh; 212 “kk[kkaOnkjs

vkiys dke lq: dsys- 55 o’kkZe/;s lq: >kysY;k ;k

egkeaMGkus xsY;k 55 o’kkZe/;s izapM izxrh dsyh vkgs-

laiw.kZ Hkkjrke/;s vkiY;k foek fodzh o Ik”;kr lsosOnkjs

Hkkjrh; ukxjhdkae/;s eksBk fo”okl laiknj dsyk vkgs-

9
egkeaMG xzkgdkae/;s ,y-vk;-lh ¼ykbZQ bU”kqjUl daiuh

vkWQ baMh;k½ ;k ukokjs yksdfiz; vkgs-

^^ftanxh ds lkFk Hkh vkSj ftanxh ds ckn Hkh** ;k

czhn okD;kus egkeaMGkyk ?kjk?kjkr iksgkspoys vkgs- o

vOoy LFkki izkIr dsys vkgs-

10
 1-6 ln;fLFkrh
fjyk;Ul thou foek egkeaMG gh Hkkjr ljdkjP;k

ekydhph daiuh vkgs- rlsp Hkkjrkrhy lokZr eksBh daiuh

vkgs- daiuhps eqacbZ ;sFks eq[;ky; vlqu {ks=h; dk;kZy;

113 foHkkxh; 2048 “kk[kk 54 xkzgd lsok dsanzs 25

egkuxj lsok dsanzs ;kOnkjs egkeaMGkph xzkgdk”kh ukr

tksMyh xsyh vkgs- vusd n”kds egkeaMG gk lektkpk

xaqro.kqd o laj{k.kkP;k :ikus egRokpk Hkkx cuyk vkgs-

vktp ?kfMyk 20]00]000 fodkl vf/kdkjh 1]20]000

deZpkjh o 40]00]000 foek fodzh o Ik”pkr lsosph tckcnkjh

mRre ctkohr vkgs- eq[;r ikjaikfjd thou foek lsok

iqjo.kkÚ;k egkeaMGkus xsY;k dkgh o’kkZiklqu ;qyhi]

E;qP;qvy QaM] x`g dtZ b- lsok iqjors] gh vktP;k ?kfMyk

xqaro.kqd dsyh tk.kkjh lokZr eksBh daiuh vkgs-

11
 1-7 izdYi vH;klph x`fgrds
fjyk;Ul thou foek fuxe ;k egkeaMGkus l|%rk [kkyhy ckch

x`fgr djrk ;srkr-

1- fjyk;Ul thou foek fuxe egkeaMG ,d foLr`r “kk[kk vlqu

frpk dkjHkkj gk eksBk vkgs-

2- fjyk;Ul thou foek fuxe egkeaMG ,d foLrh.kZ “kk[kk vlqu

frpk dkjHkkj gk eksBk vkgs-

3- jyk;Ul thou foek fuxe egkeaMGkdMs fofo/k izdkjP;k

;kstuspk vlqu euq’;kyk vkoMsy R;k ;kstuspk ykHk gksM

“kdrks-

4- Hkkjrh; thou foek egkeaMGkr fofo/k lsok iqjfoY;k tkrkr-

5- fjyk;Ul thou foek fuxe egkeaMGkP;k “ksvlZ fyadhax

;kstukapk pkaxyk izfrlkn feGr vkgs-

6- fjyk;Ul thou foek fuxe egkeaMGkP;k ;kstukaiSdh ygku

eqykaP;k ;kstuk g;k pkaxY;k vlqu R;kpk ykHk cjpls ikyd

oxkZauk gksr vkgs-

12
7- Hkkjrh; thou foek egkeaMGkP;k laxeusj “kk[kspk

dkjHkkj lqjGhr Lo:ikpk vlqu izxr”khy vkgs-

8- Hkkjrh; thou foek egkeaMGkekQZr iS”kkps O;oLFkhr

fu;kstu dsys rj vusd mf|’Vs vki.k lk/; d: “kdrks-

9- fjyk;Ul thou foek fuxe egkeaMGkdMs ikWfylh ?ksrY;kl

bude VWDl¼vk;dj½ e/;s lqV feG.;kl enr gksrs-

1-8 izdYi vH;kl fo’k;kph O;kIrh

fjyk;Ul thou foek fuxe gh ,d v”kh laLFkk vkgs- dh

T;k ekQZr xqaro.kqdnkj xqaro.kqd O;oLFkkidkP;k

ekxZn”kZukuqlkj R;kaps fu/kh ;k laLFksdMs tek djrkr-

vkf.k Hkkjrh; thou foek fuxe R;k fu/khpk xqaro.kqd jks[ks

laxzg O;oLFkkiukekQZr jks[;kr djrkr- ;ke/;s ekscnyk

feG.;krhy tks[khe deh gksrs] o yksdkauk fLFkj mRiukps

lk/ku miyC/k gksrs-

fujfujkG;k xqaro.kqd /kkjdkadMqu mH;k jkg.kkÚ;k

HkkaMoykyk fjyk;Ul xfr”khyrk feGoqu nsrkr- fjyk;Ul

thou foek fuxe xqaro.kqdnkjkuk mi;ksxh B: “kdrkr dkj.k

13
R;kauk xqaro.kqdhP;k jks[ks cktkjkrhy O;ogkjkaps Kku

ulrs- fjyk;Ul thou foek fuxeP;k lgk¸;kus xqaro.kqdnkj

vkiyh xaqro.kqd d: “kdrkr- fujfujkG;k jks[;kaP;k

izdkjkrqu ;ksX; jks[;kr xqaro.kqd dj.;kdkeh gs fu/kh

xqaro.kqd nkjkauk mi;ksxh Bjrkr- fjyk;Ul thou foek

fuxe ;k la?kVusP;k daiU;ke/;s xqaro.kqdhlkBh osxosxG;k

foek ikWfylh vkgsr- R;kpizek.ks vusd O;Drh foek

ikWfylh dk<rp vkgsr-

;klkBh fjyk;Ul thou foek fuxe la?kVusP;k laxeusj

“kgj o rkyqD;krhy ,d pkaxY;k v”kk mRd`’V foek la[;spk

eh vH;kl djhr vkgs- ojhy fjyk;Ul thou foek fuxe la[;spk

dkjHkkj gk foLrkfjr Lo:ikpk vlqu R;kph O;kIrh gh [kqip

eksBh vkgs-

1-9 Hkkjrh; thou foek fuxe

egkeaMG
Ikzdkj foek daiuh

14
LFkkiuk 1 lIVsacj 1966
Ekq[;ky; eaqcbZ ¼Hkkjr½
m|ksx {ks= foek
mRiknus Tkhou foek] E;qP;kqvy QaM] x`g dtZ
deZpkjh 1]20]000
fodkl
22]000
vf/kdkjh
foek
13]46]000
lYykxkj
Xkzkgd
30 dksVh
la[;k
Ekglqyh
: 13-30 fu[koZ
mRiUu
Ckzhn okD; ftanxh ds lkFk Hkh] ftanxh ds ckn Hkh
Lakdsr
www.relianceinsurance.in
LFkG
?
kks’k.kkok ^^;ksxlse ogkE;ge**
D;

15
1-10 izdYi vgokykpk e;kZnk
1- fjyk;Ul thou foek fuxe ;k cn~nph ekfgrh letqu ?ks.;kl

vo?kM okVyh-

2- ;k izdYikph la”kks/ku i/nrh dkgh izek.kr dBh.k

Lo:ikph vkgs-

3- fjyk;Ul thou foek fuxe iqLrdkaps okpu ulY;kus

iqjs”kh ekfgrh miyC/k gksm “kdyh ukgh-

4- la[;sP;k xksifu;rsP;k n`f’Vdksukrqu egRokph

vkdMsokjh feGq “kdyh ukgh-

16
 izdj.k 2
fjyk;Ul thou foek fuxe egkeaMGkph
ladYiuk
2-1 izLrkouk
2-2 O;k[;k
2-3 foek& lkekftd lqj{ksps ,d gR;kj
2-4 thou foek ,d djkj
2-5 fjyk;Ul thou foE;kP;k vkfFkZd xjtk o egRo
2-6 vkfFkZd fodklkr foE;kps LFkku
2-7 Hkkjrh; thou foek egk eaMGkph cka/khydh
2-8 thou foE;kps [kktxhdj.k

17
 2-1 izLrkouk
dR;kZ iq:’kkaP;k gkrh fu;feri.ks ;s.kkÚ;k mRiUukoj

dks.kR;kgh dqVackph xqtjkuk vlrs- dqVaqc lq/nk vUu] oL=]

fuokjk ;klkBh R;koj voyacqu vlrs- drkZ iq:’k g;kr vlrks vkf.k

fu;feri.ks gkrh mRiUu ;srs rks Ik;Zr dqVaqc fu;fer vlrs- ijarq

vpkud dk;kZiq:’kkl e`R;q gk dk.kkykgh dsOgkgh vMp.khp

ukgh rj vkBjkfo”o nzkfjnz; ;sm “kdrs- e`R;q gk dks.kkykgh

dsOgkgh ;sm “kdrks R;keqGs vdkyh e`R;qeqGs gks.kkÚ;k

gkuhph rjrqn dj.;kph thou foek gk v”kk izdkjP;k ?kVd vkgs dh

;keqGs vfuf”prrsP;k tkxh fuf”prrk vk.kyh tkrs-

foE;kr xqaro.kqd Eg.kts frgsjh Qk;n;kpk lkSnk vkgs-

ifgyk Qk;nk Eg.kts foek gIR;kaeqGs vk;djkr lqV] nqljk Qk;nk

Eg.kts feG.kkjs djeqDr mRiUu vkf.k frljk Qk;nk Eg.kts

dqVaqckyk feG.kkjs foE;kps vkfFkZd laj{kd dop!!!

18
19
 2-2 O;k[;k
^^fof”k’V ?kVuk ?kMY;kuarj foesnkjkyk Lor%yk fdaok

rks g;kr ulsy rj foE;kph jDde feG.;kl ik= vlysY;k okjlkyk jDde

feG.;kph T;kr rjrqn dsysyh vlrs vlk ,d djkj Eg.kts vk;qfoZek**

20
 2-3 foek&lkekftd lqj{ksps ,d
gR;kj
tsOgk ?kjkrhy feGoR;k O;Drhpk vpkud e`R;q gksrks

rsOgk dqVaqckps mRiUugh R;kizek.kkr FkaMkorks-

dqVaqckph vkfFkZd fLFkrh gh foijhr gksrs- fLFkrh iqoZor

gks.;klkBh dkgh Ik;kZ;h O;oLFkk dsyh ulY;kl v”kh ifjLFkrh

mn~Hkow “kdrs- thou foek Ik;kZ;h O;oLFkk iqjforks-

tj v”kh O;k[;k >kyh rj ,d dqVaqc lekT;kP;k fuEu

vkfFkZd Lrjkoj <dyys tkrs lektkoj R;kPk ckstk iMrks- vuqnku

vFkZlgk¸; v”kk Lo:ikr g;k Lrjkoj enr djkoh ykxrs thou foek

Onkjk gh vMp.k lksMfo.;kl enr gksrs- Eg.ktqu foek O;olk;kyk

lkekftd lqj{ksps ,d gR;kj vls lacks/k.;kr vkysys vkgs-

21
 2-4 thou foek ,d djkj
Tkhou foek ikWfylh gk ,d djkj vkgs- 1872 P;k Hkkjrh;

djkj dk;n;kuqlkj dk;nsf”kjfjR;k ca/kudkjd Bj.kkjs laca/k

fuekZ.k dj.;kP;k n`’Vhus nksu fdaok vf/kd O;Drhaef/ky ,d er

lk/; djkjkr iqf<y oSf”k’V;s vlyh ikfgtsr-

izLrko o R;kph fLod`rh

izfrQy

djkj {kerk

,d er

mf|’Vkapk dk;ns”khji.kk

iqrZrsph {kerk

dk;nsf”kj laca/k fuekZ.k dj.;kP;k gsrq

22
 2-5 fjyk;Ul thou foek fuxe
vkfFkZd xjtk o egRo
Xkjtk %

Tkhou foE;kP;k eqyHkqr mn~ns”k gk tksf[ke cpr o`?

nkidkGkph o foifjr ijhfLFkrhy vkfFkZd rjrqn vlk vlyk rjh

xzkgdkauk R;kaP;k dkgh vkfFkZd xjtk lkdkjkY;k tkok vls

okVr vlrs-

1- thou foE;krhy tks[khe gk Hkkx dkgh xzkgdkauk vdf’kZr

djrks- R;keqGs mesfnP;k dkGkr e`R;q >kY;k dqVaqfc;kauk

Hkjiqj vkfFkZd laj{k.k gos vlrs ;klkBh foek gIrk fdeku vlkok

v”kh R;kaph vis{kk vlrs- foek ikWfylhph eqnr laiY;koj Qkj

eksBk vkfFkZd ykHk feGkyk ukgh rjh pkysy i.k nq?kZVuk ?

kVY;kl HkjHkDde vkfFkZd ykHk feGkyk ukgh rjh pkysy i.k

nq?kZVuk ?kMY;kl HkjHkDde vkfFkZd N= dqVqafc;kauk

ykHkkos vls R;kauk okVr vlrs-

2- tkf[ke o eqnriqfrZyk HkjHkDde jDde izkIr gks.;klkBh-

23
3- mPp f”k{k.kkP;k [kpkZph rjrqn] eqykeqyhpk f”k{k.k o

yXukpk [kpZ ;klkBh

4- ?kj cka/k.kh dtZ] oS;fDrd dtZ O;ogkjkar ikWfylh ?ksmu rh

rkj.k Bso.ks

5- foE;krqu feG.kkjk cksul] Bjkfod dkykarjkus foek jdesP;k

15]20]25 VDds brdk ijrkok feGkok-

6- lq:okrhyk 5 rs 6 o’kZ [kqi eksBk foek gIrk pkyq] R;kuarj rks

deh Ogkoh v”kh vis{kk dkgh xzkgdkauk vlrs-

7- lq:okrhyk 5 rs 6 o’kZ vR;ar deh gIR;kr eksBs foek laj{k.k o

R;kuarj ok<ho mIrUukaeqGs frIiV] pkSiV] foek gIrk >kyk

rjh Hkj.;kph r;kjh vl.kkjs xzkgd

8- vkfFkZd n`’V;k n`cZy ?kVdkarhy xzkgdkyk fulxkZP;k

ygjhaeqGs 2&3 o’kZ ;ksX; izdkjs mRiUu u feGkY;kus foek

gIrk Hkjrk vkyk ukgh rj foek laj{k.k pkyq jkghy v”kk ;kstuk

gIrk vlrkr-

24
 egRo %

1- ,[kkn;k O;fDrpk e`R;q >kY;kl tj foek mrjoyk vlsy rj rh

jDde R;akP;k okjlkyk feGrs-

2- foE;keqGs dkVdlfjyk mRrstu feGqu lfDrph cpr gksrs-

3- foE;kph jDde lgt feGq “kdrs o frps /kudkaiklqu laj{k.k djrk

;srs- foesnkjkpk e`R;q vkY;kl foE;kps iSls dks.kkgh ,dkl

vxj vusd O;fDrauk ns.;kph la/kh foek/kkjd ukefunsZ’ku d:

“kdrks-

4- foE;koj pVdu dtZ mHks djrk ;srs rRdkyhu xjt

Hkkxfo.;klkBh foesnkj ikWfyflP;k rkj.kkoj dtZgh ?ksm

“kdrks-

5- dj loyr &

Hkkjrke/;s izkIrhdj vkdjrkauk O;DrhP;k djik= izkIrhrqu

thoufoek HkjysY;k gIR;kP;k jdesoj dkgh lqV feG.;kph

rjrqn Hkkjrh; vk;dj dk;n;ke/;s dsysyh vkgs- v”kk fjrhus lqV

feGkysY;k djkph jDde y{kkr ?ksryh rj foek gIrk [kqip deh

iMrks gs vk<Gqu ;srs-

25
26
 2-6 vkfFkZd fodklkr foE;kps
LFkku
1- vkfFkZd fodklklkBh xqaro.kqd dj.ks vko”;d vlrs- xqaro.kqd

cprhrqu gksrs- yksdkadMqu fo”ks’kr% gk e/;e vkf.k fuEu

mRiUu xVkrhy O;DrhdMqu cprhps ladyu dj.;klkBh thou

foek daiuh ,d izeq[k lk/ku Bjrs- ;k cprh vkfFkZd fodklklkBh

okijY;k tkrkr-

2- thou foek daiU;kadMs eksBk fu/kh miyC/k vlrks- gk fu/kh

foek gIR;kP;k Onkjk ladfyr dsysyk vlrks- fjyk;l thou foek

fuxe egkeaMGkizek.ks R;kaP;k xaqro.kqdhgh lektkP;k

fgrklkBhp vlrkr-

3- 31-3-2002 jksth Hkkjrh; vk;qfoZek egkeaMGkph ,dq.k

xaqro.kqd : 2 yk[k 45 gtkj dksVh tkLr >kyh R;kiSdh 1 yk[k

30 gtkj dksVhgqu vf/kd gh izR;sd dsanz ljdkj’kh lacaf/kr

jks[;kr gksrh-

27
4- Xkaqro.kqdh [ksjht mn;ksx o O;kikj ;kaukgh foE;kOnkjs

ykHk gksrks- foE;kf”kok; /kank o O;kikj ;kauk vkx] Hkqdai]

iqj vkf.k eksB;k ladVkaP;k ifj.kkekauk rksaM ns.ks dBh.k

gksbZy tj T;k dkj[kk.;klkBh vki.k dtZ fnysys vkgs vlk

dkj[kkuk vkxhus HkLelkn >kyk rj cWadkizek.ks /kudksVh

dkslGrhy tj _.kdksauh dtZ QsM dsyh ukgh rj /kudkaasP;k

uqdlkuhpsgh thou foek laj{k.k djrs-

5- loZ mRre thou foek daiU;kadMs vok<O; fu/kh miyC/k

vlrks- O;Drhauh HkjysY;k gIR;kaOnkjs ygku ygku jdekrqu

gk fu/kh miyC/k gksrks- ;k fu/khph xqaro.kqd v”kk fjrhu

dsyh tkrs dh] T;k ns”kkr g;k daiU;k O;olk; djrkr rsFkhy

vkfFkZd fodklkBh R;k Hkj?kksl lgk¸; djrkr-

28
 2-7 thou foE;kps [kktxhdj.k
Hkkjrh; thou foek gh QDr ljdkjP;k fu;ekuqlkj e;kZfnr

gksrs foE;kph jDde o egkeaMGkps tkfgj dsysys R;kojhy cksul

ns.;kph geh Hkkjr ljdkjus ?ksryh vkgs egkeaMGkps e/;orhZ

dk;kZy; eqacbZr vkgs- uarj R;kps izknsf”kd rlsp Hkkjrh; vls

dk;kZy;kps foHkktu dj.;kr vkys- ;k foHkkxh; dk;kZy;kP;k

vf/kdkjk[kkyh R;kP;k vusd “kk[kk LFkkiu >kY;k uarj

“kk[kkps [kktxhdj.k dj.;kr ;sm ykxrs-

e/;orhZ dk;kZy;kP;k “kk[kk vusd izns’kkr LFkkiu d:u

R;kpk dkjHkkj [kktxhfjR;k dsyk tkm ykxyk- R;kr ,d foek

/kank O;olk; dj.kkjk oxZ r;kj dsyk xsyk- R;kaukp foek ,taV

vls EgVys tkm ykxys-

foek ,taV dk;kZy;kekQZr foek O;olk; djrkr- Eg.ktsp

fjyk;Ul thou foek fuxe dkekdt i/nrh gh gGqgGq [kktxh >kyh

vls fnlwu ;srs-

29
 izdj.k 3
fjyk;Ul thou foek fuxe
3-1lajpuk
3-2 dk;Z
3-3 ekfgrh ra=Kkukpk Lohdkj

3-4 ekfgrh ra=Kkukpk okij djrkauk fizeh;e

Hkj.;klkBh gs Ik;kZ;

3-5 fjyk;Ul thou foEkk egkeaMGkps O;oLFkkiu

30
 3-1 ladYiukRed lajpuk
ladYiukRed lajpuk Eg.kts T;k izfdz;k O;olk; pkyorkauk

ikj ikM.ks vko”;d vlrs R;k [kjks[kjp O;ofLFkri.ks ikj ikMr

vkgs- ;kcn~nyph dkGth ?ks.;klkBh dsysyh O;oLFkk gks;-

lajpuk %

egkeaMGkps lnL; tkLrhr tkLr 16 vlrkr- R;kaP;kiSdh

,dkph v/;{k Eg.kqu use.kqd gksrs- v/;{k iq.kZosG deZpkjh

vlqu rs egkeaMGkps izeq[k dk;Zdkjh vf/kdkjh vlrkr-

“kk[kk
izca/kd

fodzh
vf/kdkjh

fodkl
izfrfu/kh

foek
izfrfu/kh

deZpkjh

xzkgd

31
 3-2 dk;Z
1- thou foE;kP;k laHkkO; xzkgdkdMqu vkosnu i=s o izLrko

i=s fLodkj.ks-

2- foek izLrkokph Nkuuh d:u ;koj fu.kZ; ?ks.ks-

3- lqj{ksP;k vVh o “krhZ varZHkqr dj.kkjk ikWfylhpk

nLr,sot forfjr dj.ks-

4- foek djkjkps ikyu nksUgh i{kkdMqu gksr vkgs uk ;kph

dkGth ?ks.ks- mnk-gIR;kPkk Hkj.kk

5- djkjkP;k dkyko/khuarj mRiUu gks.kkÚ;k fofo/k fudMhoj

y{k Bso.ks- mnk- nkokps okVi

6- vU; lgk¸;d izfdz;k mnk- izpkj vkf.k izlkj ys[kikyu deZpkjh

izca/ku] ekfgrh izfdz;k oSKkfud fu;e vkf.k Qk;ns ;kaps

ikyu

32
 3-3 ekfgrh ra=Kkukpk Lohdkj
Adoption of Information Technology -IT
^^rqeP;k thou foE;kph ekfgrh d:u ?;k** ;k

dk;ZdzekOnkjs Hkkjrh; thou foek egkeaMGkus vk/kqfud

ekfgrh ra=Kkukpk Lohdkj o okij fdrh FkksM;k dkGkr d:u ?

ksryk vkgs- gs nk[koqu fnysys vkgs- gk dk;Zdze Hkkjrh;

thou foek egkeaMGkus iq<hy i/nrhus vkeykr vk.kysyk vkgs-

^^R;kaP;k O;oLkk;kr ekfgrh ra=Kkukpk mi;ksx d:u ?ks.;kr

Hkkjrkr thou egkeaMG gh ifgY;k dkgh la[;kiSdh ,d vkgs-

Hkkjrh; thou foek egkeaMGkP;k lax.kdkr 85 n”ky{k

foeki=klaca/kh vkdMsokjh Bsoysyh vkgs-

xsY;k dkgh o’kkZr Hkkjrh; foek egkeaMGkus lacf/kr

vkf.k ;ksX; ra=Kkukpk fLodkj dsysyk vkgs-

tqu 1995 xzkgd izfrlkn o lsosr o`f/n dj.;kP;k n`f’Vus Hkkjrh;

thou foek egkeaMGkus foeki=/kkjd vkf.k e/;LFkkauk

lax.kdkOnkjs Rofjr lsok miyC/k d:u ns.;kpk dk;Zdze jkcfo.;kl

lq:okr dsysyh vkgs- ;k Rofjr lsoseqGs foeki= /kkjdkl

33
VsfyQksuojhy Rojhr R;kP;k foHkkxph fLFkrh R;kaP;k

gIR;kpka Rojhr Lohdj iqj:Tthou nji=d ekx.khuqlkj dtZ nji=d

b-VsfyQksuoj Rofjr R;kaP;k foeki=kph fLFkrh] R;kaP;k

gIR;kaP;k Rojhr Lohdkj] iqu:Tthou nji=d] i=kfry cny

uksan.khlq/nk Rofjr djrk ;srs- foek izLrko o foek dkxni=s

vkrk Rofjr feGq “kdrkr- ns”kHkjkrhy 2048 “kk[kkaiSdh

1775 “kk[kkapk Front End Operation [kkyh varHkkZo dj.;kr

vkysyk vkgs- 100 iSdh 100 foHkkxh; dk;kZy;kr 100 VDds

lax.kfd;dj.k dj.;kr vkysys vkgs-

1998&99 vkfFkZd o’kkZP;k v[ksji;Zr loZ lgk

ekWM;qYlus 98 VDds lax.kdhdj.k dj.;kP;k Hkkjrh; thou

foek egkeaMGkP;k ekul vkgs- uksOgscaj 1997 e/;s

eqacbZrhy 74 “kk[kkaph ,df=r tqG.kh] d:u Hkkjrh; thou foek

egkeaMGkus egkuxjh; tkGs dk;kZfUor dsysys vkgs-

10]000 is{kk tkLr O;ogkj dsys tkrk v”kk rÚgsph ekfgrh

iqjfo.kkjh ;a=.kk eqacbZ] psUubZ] fnYyh] dksydkrk

caxyksj] vgenkckn] iq.ks] gSnjkckn ;k “kgjkarqu dk;kZfUor

dj.;kr vkysyh vkgs-

34
 Interactive, voice, Rresponse, system (IVRS) gh iz.kkyh

eqacbZ] psUubZ] caxyksj ;k “kgjkar dk;kZfUor dj.;kr vkysyh

vkgs- R;keqGs xzkgdkauk VsfyQksuo:u iq<P;k foekgIR;kph

ns; rkjh[k] foeki=kph fLFkrh] dtkZph jDde] eqnriqrhZuarj

feG.kkjh jDde tek >kysyk vf/kykHkak”k bR;knh Rofjr

miyC/k gksrs-

35
 3-3 ekfgrh ra=Kkukpk okij
djrkuk
izfe;e Hkj.;klkBh gs Ik;kZ; miyC/k vkgsr-

1- dLVej iksVZyOnkjs vkWuykbZu &

usV cWafdax vdkamV vk;,eih,l fdok fOglk fdaok ekLVj

dkMZ fdaok vesDl] MasfcV dkMZ lOnkjs isesaV d:

“kdrk-

2- blh,l &

;k lqfo/kspk okij djrk ;sbZy v”kk fBdk.kh tsFks vkjblh,l

lqfo/k miyC/k vkgs v”kk jkT;kr ,d eWVsV QkWeZ Hk:u

nsmu rqEgh rqeph cWadkuk dk;eLo:ih lqpuk nsm “kdrk-

3- Mk;jsDV MsfcV &

Tkj rqEgh dkWikZsjs”ku o vk;-lh-vk;-lh-vk; cWadsps

[kkrs/kkjd vlky rj eWMsV QkWeZ Hk:u rqEgh rqeph

cWadkuk dk;e Lo:ih lqpuk nsm “kdrk-

4- fcy is fdaok blhihih &

36
 dkWiksZjs”ku cWad] vk;-lh-vk;-lh-vk; cWad] flVh

cWad] ,p-Mh-,Q-lh cWad] vWfDll cWad ] QsMjy

cWad ;kaP;k Onkjs uksan.kh d: “kdrk-

5- vkWVkseWfVd fizfe;e isesaV lsok ¼APS½ ukseqjk

E;qP;qvy QaVOnkjs &

ukseqjk E;qP;qvy QaMke/;s T;kauh xqaro.kqd dsyh vkgs

vls xqaro.kqdnkj dk;eLo:ih vkiY;k E;qP;qvy QaMkP;k

[kkR;krqu fizfe;e Hkj.;klkBh dk;eLo:ih lqpuk nsm “kdrk-

6- ,-Vh-,e &

dkWiksZjs”ku cWad] vWfDll cWad o vk;-lkh-vk;-lh-vk;

cWadsP;k ,Vh,e Onkjs fizfe;e Hkjk-

7- cWadkOnkjs &

vWfDll cWad o dkWiksZjs’ku cWadsP;k dks.kR;k

“kk[ksr tkmu jks[k jDde fdaok /kukns”kkOnkj ,taV~l

vkf.k ,l ch ,P;k 2500 is{kk vf/kd dk;kZy;kae/;s jks[k jDde

o /kukns”kkOnkjs fizfe;e Hkjk-

8- fizfe;e ikWbV~l o ykbQ Iyl lsaVlZ &

37
 vf/kd`r ,taV~l vkf.k fuo`Rr deZpkjh ;kapk 32000 is{kk

vf/kd fizfe;e ikWbV~l oj ,l ch ,P;k 2500 is{kk vf/kd

dk;kZy;kae/;s jks[k jDde o /kukns”kkOnkjs fizfe;e Hkjk-

9- QzWapk;lht %

,ih vkWuykbu ,eih vkWuykbu lqfo/kk o dkWeu lfoZl

lsaVj ;kaP;k dysD”ku lsaVjoj jks[k jDdesOnkjs fizfe;e

Hkjk-

10- Mobile Application&

foaMkst o vW.MªkWbM QksuOnkjs eksckbZy vWipk

okij d:u fizfe;e vkWuykbu Hkjrk ;sm “kdsy-

38
 3-5 fjyk;Ul thou foek
egkeaMGkps O;oLFkiu
fu;ktu o iqujkoykdu
fodzhO;oL fodzh&izorZu
Fkiu tkfgjkr
foek ikWfylh lsok
ijdh; O;ogkj

xV foek
lsokfuo`Rrh ykHk
oS;fDrd xV
xV mi/ku
foek
lkekftd lqj{kk fu/kh
ljdkjh izk;ksftr

Ekuo lalk/ku o fodkl

vkSn;ksfxd laca/k
Je vkSn;ksfx izf”k{k.k
laca/k
euq’;cG rikl.kh

dk;Z in~/krh
la”kks/ku
O;oLFkidh; [kpZ o [kkl
lsok
39
 foekxf.krh;
foekxf.krh; la”kks/ku
mRiknu vk[k.kh
eqY;kadu

eaMG fpV.khl
ljdkj laca/k
eaMGkpk
lkekU; fpV.khl
fpV.khl
xzaFkky;

fuf/kph xaqro.kqd
Xkqaro.kqd dtZ o xgk.k oV

;FkkFkZ fu;kstu
fn?kdkyhu iapokf’kZd ;kstuk
fu;kstu

vjk[kMk o fodkl
baftfuvfjax
lsok

40
 egkeaMGkpk [kpZ
for o fg”ksc foRrh; vFkZladYi
daiuhps fg”kksc
izkIrh dj
Hkfo’;
fuokZg o fuo`Rrh
fu/kh fg”kksc foRr

lanHkZ lYyk
dk;nk]
x`gfuekZ.k o oS/kkfud rjrqnh
ekyeRrk&fo xzg o ekyeRrk
for ;kstuk

fuxe
Rkikl.kh
vkf.k fg”ksc rikl.kh

Lsok

ekyeRrk Lkaj{k.k o lqj{kk

vkf.k ekyeRrk O;oLFkkiu

41
 Ikzdj.k 4
fjyk;Ul thou foek egkeaMG laxeusj
“kk[ksph ekfgrh
4-1LFkkiuk

4-2 Hkwehdk

4-3 lapkyd

4-4 brj ekfgrh

4-5 2015&16 P;k uohu ;kstuk

4-6 ikWfylh la[;k & ekxh iapokf’kZd

4-7 foek QkWeZ o dkxni=kph iqrZrk

42
 4-1 LFkkiuk
fjyk;Ul thou fuxe foek egkeaMG ;k laLFksP;k laxeusj

“kk[ksph LFkkiuk 1 lIVsacj 1966 lkyh >kyh vlwu frpk

dkjHkkj dk;n;kus O;olkf;d rRokoj pkyrks-

43
 4-2 Hkqfedk
{kfedkaph lqjf{krrk] foE;kP;k pkaxY;k vVh] foE;kps

LoLr nj] mRd`’V lsok] dkVdljhpk dkjHkkj vkf.k ,dnaj

ns”kkyk fdQk;r”khj v”kh iS”kkph xqaro.kqd d:u egkeaMG

vkiyh Hkqfek ;”kLohi.ks ikj ikMhr vkgs-

44
 4-4 lapkyd eaMG
Ukko dk;Zy;
,e-jfopanze LkIVsa 1988 es 1990
Ikh-th lkriqrs Eks 1990 rs twu 1991
,e-vkj-fpys Tkqu 1991rs es 1993
MCY;q-,e-dkax.ks Eks 1993 rs tqu 1995
vkj-,e-iNkMs Tkqu 1995 rs tqyS 1998
vkj-,e-isdkeokj tqyS 1998 rs tqyS 2001
Ikh-ih-ikVhy Tkqu 2001 rs es 2004
Ikh-,l-ekus Eks 2004 rs es 2007
,-ts-oS| Eks 2007 rs es 2010
,l-,e-ve`rdj Eks 2010 rs 2011
ds-Ogh-vrdj.k Tkqu 2011&

45
 4-4 brj ekfgrh
“kk[kspk iRrk % fjyk;Ul thou foek fuxe

eca.DI.ef.saI ba^Mk samaaor

navaIna nagar raoD

saMgamanaor

“kk[kspk dksM % 95 N

fczn okD; % ijaMdgaI ko saaqa BaI

ijaMdgaI ko baad BaI.

fodkl vf/kdkjh la[;k %15

deZpkjh la[;k %40

foek izfrfu/kh %1200

46
 4-5 P;k uohu ;kstuk
Lkqj{kk gh ! cpr gh !

1- Ukohu lkof/k foek ;kstuk %

Lknj ikWfylh e/;s foesnkjkyk o;kP;k fdeku o; 8 o’kZ

iklqu rs deky o; 55 o’kkZ Ik;Zar o fdeku eqnriqfrZ o; 75

o’khZ Ik;Zar gh ;kstuk gksrk ;sbZy-

;k ikWfylhe/;s fdeku ikWfylhe/;s fdeku ikWfylh

vof/k 12 o’kZ deky ikWfylh vo/kh 35 o’kkZ vlsy o fdeku

foekd`r jDde 1]00]000 Ik;Zar vkgs-

ykHk&

1- Ek`R;qizlaxh ns; YkkHk &

foekd`r O;Drhpk ikWfylh vof/k njE;ku e`R;q >kY;kl]

e`R;qykHk gk e`R;q >kY;kojph foekd`r jDde g;k [kky

Li’V dsysyh jDde] fofgr lk/k izR;korhZ cksul vkf.k vafre

vfrfjDr cksul] tj dkgh vlsy rj ns; vlsy- ftFks e`R;q

47
 >kY;kojph dkgh foed`r jDde gh eqG foekd`r jDdeiSdh

mPp vlrs-

2- Ekqnr lekIrhyk ns; ykHk &

ikWfylh vof/kP;k lekIrh Ik;Zar ftoar jkfgY;kl lk/kk

izR;orhZ cksul o vafre vfrfjDr cksul dkgh vlY;kl R;klg

eqyHkqr foekd`r jDde ns; vlsy-

^^thoukP;k lkscrgh--------thoukP;k uarjgh------

2- Ukohu thou vkuan ;kstuk &

Lknj ikWfylhe/;s foesnkjkyk o;kP;k fdeku o; 18 o’khZ

iklqu rs deky o; 50 o’khZi;Zar o fdeku eqnrh iqrhZZ o; 75

o’khZi;Zar gh ;kstuk gksrk ;sbZy-

;k ikWfylh e/;s fdeku o ikWfylh vof/k 15 o’kZ] deky

ikWfylh 35 o’kkZi;Zar vlsy fdeku foekd`r jDde 1]00]000

Ik;Zar vkgs-

ykHk&

1- Ekqnr lekIrh ykHk &

48
 foekd`r O;Drh tj laiq.kZ ikWfylh vof/k njE;ku ftoar

jkfgyh rj R;kyk@fryk eqyHkqr foekr jDde fufgr lk/kk

izR;korhZ cksul ,Q,lh dkgh vlY;kl feGrs-

2- Ek`R;q ykHk &

foekd`r O;fDrhph ikWfylh vof/k njE;ku e`R;q >kY;kl

R;kP;k@frP;k ukefunsZf”kr O;fDryk gs feGsy ^^e`R;qq

>kY;kuarj foekr jDde th eqyHkqr jDde fdaok okf’kZd

gIR;kP;k 10 iV fufgr lk/k izR;korhZ cksul] ,Q,ch dkgh

vlY;kl feGrs-

cpr] rjyrkgh]VII;k&VII;koj iSls ijrgh o foek laj{k.kgh!

**

3- Ukfou foek cpr ;kstuk &

Lknj ikWfylhe/;s foesnkjkyk o;kP;k fdeku o; 15

o’khZiklqu rs deky o; 66 o’kkZi;Zar o fdeku eqnrhiqrhZ o;

75 o’khZ Ik;Zar gh ;kstuk gksrk ;sbZy-

49
 ;k ikWfylhe/;s fdeku ikWfylh vof/k 9 o’kZ] 12 o’ksZ

16 o’ksZ o deky ikWfylh 9] 12] 15 o’ksZi;Zar fdeku foed`r

jDde 35]000] 50]000] 70]000 Ik;Zar vkgs-

ykHk&

1- mRrjthfoRo ykHk &

foekd`r O;Drh tj ueqn dkyko/khP;k “ksoVi;Zar ftoar

jkfgyh rj &

v- 9 o’ksZ ikWfylh vo/khlkBh &

foekd`r jDdesP;k 15 VDds frlÚ;k o lgkO;k ikWfylh

o’khZP;k “ksoVh

c- 12 o’ksZ ikWfylh vof/klkBh &

foekd`r jDdesP;k 15 VDds izR;sd frlÚ;k] lgkO;k] o

uoO;k] ckjkO;k ikWfylh o’khZP;k “ksoVh

d- 15 o’ksZ ikWfylh vo/khlkBh &

foekd`r jDdesP;k 15 izR;sdh] lgkO;k] o uoO;k o

ckjkO;k ikWfylh o’kkZP;k “ksoVh-

2- eqnr lekIrh ykHk &

50
 foekd`r O;Drh tj ikWfylh vof/kP;k “ksoVi;Zar ftoar

jkfgrh rj R;kyk@fryk ,dy gIrk vf/kd fu’Vk Hkj] dkgh

vlY;kl dj o vfrfjDr gIrk] dkgh vlY;kl feGrs-

3- e`R;q ykHk &

tj foekd`r O;fDrpk ifgY;k 5 ikWfylh o’khZr e`R;q

>kY;kl R;kP;k@frP;k ukefunsZf”kr O;fDryk foekd`r

jDde feGsy-

51
4- ,dy gIrk lkof/k foek &

Lknj ikWfylhe/;s foesnkjkyk o;kP;k fdeku o; 90 fnol

rs deky o; 65 o’kZ Ik;Zar o fdeku eqnr iqrhZ o; 18 rs 75

o’khZ Ik;Zar gh ;kstuk gksrk ;sbZy

;k ikWfylhe/;s fdeku ikWfylh vof/k 10 o’kZ] deky ikWfylh

vof/k 25 o’kZ o’khZ;Zar vlsy o fdeku foekd`r jDde 50]000

Ik;Zar vkgs-

YkkHk &

1- Ekqnr lekIrh ykHk &

foekd`r O;Drh tj laiq.k ikWfylh vof/kP;k “ksoVi;Zar

ftoar jkfgyh rj R;kyk@fryk fufgr izR;orhZ cksul o vafre

vfrfjDr cksul] dkfg vlY;kl R;klg foekd`r jDde feGsy-

2- Ek`R;qykHk %

1- foekd`r O;Drhpk tksf[ke izkjaHk gks.;kP;k fno”kh

fdaok R;kiqohZ e`R;q >kY;kl] R;kP;k@frP;k fufgr

lk/kk izr;korhZ cksul o vafre vfrfjDr cksul dkgh vlY;kl

R;klg foekd`r jDde feGrs-

52
 2- foekd`r O;DrhP;k tksf[ke izkjaHk >kY;kuarj e`R;q

>kY;kl R;kP;k@frP;k ukefunsZf”kr O;fDryk

dks.kR;kgh O;kt o vfrfjDr gIR;kfouk dkgh vlY;kl dkgh

vlY;kl ,dy gIrk ijr dsyk tkbZy-

5- ufou euh cWad ;kstuk & 20 o’ksZ

lnj ikWfylhe/;s o;kP;k fdeku o; 12 o’khZiklqu rs

deky o; 50 o’khZi;Zr o fdeku eqnriqohZ o; 70 o’khZi;Zar

gh ;kstuk ?ksrk ;sbZy-

;k ikWfylhe/;s fdeu ikWfylh vof/k 20 o’kkZi;Zar vlsy o

fdeku foed`r jDde 1]00]000 Ik;Zar vkgs-

1- mRrjftfoRo ykHk &

foekd`r O;drh tj ueqn dkyko/kh “ksoVhi;Zar ftoar

jkfgyh rj R;kyk@fryk foekd`r jDdesP;k 20 VDds] jDde

5 O;k] 10 O;k] 15 O;k o’khZ feGsy-

2- eqnr lekIrh ykHk &

53
 foekd`r O;Drh tj ikWfylh vof/kP;k “ksoVi;Zar ftoar

jkfgyh rj R;kyk@fryk fufgr lk/kk izR;korhZ cksul o

vafre vfrfjDr cksulg eqyHkqr jDdesP;k 40 VDds jDde

feGrs-

3- e`R;qykHk &

foekd`r O;DrhP;k ikWfylh vof/k njE;ku uSlfxZd

e`R;q >kY;kl R;kP;k@frP;k ukefunsZ’kr O;fDryk

^^e`R;q >kY;kojph foekd`r jDde** th eqyHkqr jDdesP;k

125 VDds fdaok okf’kZad gIR;kp 10 iV vf/kd fufgr

lk/kk izR;korhZ cksul vf/kd vafre vfrfjDr cksul dkgh

vlY;kl feGrs-

VII;k] VII;koj jDde ijrgh] foek lqj{kk dopgh !**

6- uohu euh cWad ;kstuk & 25 o’kZ &

lnj ikWfylhe/;s o;kP;k fdeku o; 13 o’khZiklqu rs

deky o; 45 o’khZi;Zr o fdeku eqnriqohZ o; 70 o’khZi;Zar

gh ;kstuk ?ksrk ;sbZy-

54
 ;k ikWfylhe/;s fdeku ikWfylh vof/k 25 o’kki;Zar vlsy

o fdeku foekd`r jDde 1]00]000 i;Zar vkgs-

1- mRrjthohRo ykHk &

foekd`r O;Drh tj ueqn dkyko/kh “ksoVi;Zar ftoar

jkfgyh rj R;kyk@fryk foekd`r jDdesP;k 25 VDds jDde 5

O;k] 10 O;k] 15 O;k o’khZ feGsy-

2- eqnr lekIrh ykHk &

foekd`r O;Drh tj ikWfylh vo/khP;k “ksoVi;Zar ftoar

jkfgyh rj R;kyk@fryk fughr lk/kk- izR;korhZ cksul o

vafre vfrfjDr cksullg eqyHkqr foekd`r jDdesP;k 40

VDds jDde feGrs-

3- e`R;qykHk &

foekd`r O;DrhP;k ikWfylh vof/k njE;ku uSlfxZd

e`R;q >kY;kl R;kP;k@frP;k ukefunsZf’kr O;fDryk

jDdesP;k 125 VDds fdaok okf’kZd gIR;kP;k 10 iV vf/kd

fufgr lk/kk izR;korhZ cksul vf/kd vafre vfrfjDr cksul

dkgh vlY;kl feGrs-

^^gIrk deh] tks[kesph geh !**

55
7- U;q vueksy thou ;kstuk &

Lknj ikWfylhe/;s o;kP;k fdeku o; 18 o’khZiklqu rs

deky o; 55 o’khZi;aZar o fdeku eqnriqohZ o; 5 o’kkZi;Zar

gh ;kstuk ?ksrk ;sbZy-

;k ikWfylhe/;s fdeku ikWfylh vof/k 25 o’khZi;Zar

vlsy o fdeku foekd`r jDde 6]00]000 iklqu 2400]000

yk[kki;Zar vkgs-

ykHk&

e`R;q YkkHk &

lnj foekd`r O;DrhP;k vkdfLer nqnSoh fu/ku izlaxh

okjlkl eqG foek jDde fnyh tkbZy-

^^gIrk deh] tks[kesph geh !**

8- U;q veqY; thou ;kstuk &

Lknj ikWfylhe/;s o;kP;k fdeku o; 18 o’khZiklqu rs

deky o; 60 o’khZi;Zar o fdeku eqnriqrhZ o; 5 o’khZi;Zar gh

;kstk ?ksrk ;sbZy-

56
 ;k ikWfylhe/;s fdeku ikWfylh vof/k 35 o’khZi;Zar

vlsy o fdeku foekd`r jDde 25]00]000 Ik;Zar vkgs-

ykHk&

1- Ek`R;q ykHk &

Lknj foekd`r O;Drhpk vkdfLer nqnSoh fu/ku izlaxh

okjlkl ewG foek jDde fnyh tkbZy-

9- Okfj’B isa”ku chek ;kstuk %

Lknj ikWfylh o; o’ksZ 60 vl.kkÚ;k O;Drhyk gh

;kstuk fdaok ikWfylh ?ksrk ;sm “kdrs-

Lknj ikWfylhr fdeku foek jDde 66]665 o deky foek

jDde 6]66]665 Ik;Zar vkgs- o R;kpizek.ks dehr deh 500 rs

5000 ekfld isU’ku fnys tkrs-

ykHk&

1- 10 o’kkZuarj ifjiDork chek jkf”k 15 VDds

2- 11 o’kkZuarj ifjiDrrk chrk jkf”k 20 VDds

3- Yksu lqfo/kk &

foekd`r O;Drhyk 1 o’khZuarj yksu lqfo/kk miyC/k

57
10- Tkhou j{kd ;kstuk &

Lknj ikWfylhe/;s o;kP;k fdeku o; 8 o’khZiklqu rs

deky o; 55 o’khZi;Zar o fdeku ikWfylh vo/kh 10&20

o’khZi;Zar gh ;kstuk ?ksrk ;sbZy-

;k ikWfylhe/;s fdeku foekd`r jDde 75]000 rs deky

2]00]000 yk[kki;Zar vkgs-

ykHk&

1- ifjiDork ykHk &

eqnrhuarj foek jDde] ykW;YVh vWmfe”ku

2- e`R;qykHk &

eqG foek jDde fdaok okf’kZad gIR;kP;k 10 iV

e`R;qP;k frFkhi;Zr HkjysY;k loZ gIR;kP;k jdesP;k 105

VDds vf/kd ykW;YVh vWfM”ku

3- Ik;kZ;h jk;Mj &

vf/kd fizfe;e Hk:u vi?kkrh Qk;n;klkBh Ik;kZ;h jk;Mj

miyC/k

4- gIR;kofjy lwV &

58
okf”kZd gIrk 2 VDds lgkekgh gIrk 1 VDds

59
11- fyfeVsM fizfe;e ,aMksesaV IyWu &

lnj ikWfylhe/;s foesnkjkyk o;kP;k fdeku o; 18

o’khZiklqu rs deky o; 62 o’khZi;Zar gh ;kstuk ?ksrk ;srs-

;k ikWfylhph eqnr 12 o’ksZ] 16 o’kZs] 21 o’ksZ

vkgs- fizfe;e Hkj.;kph eqnr 8 o’ksZ] 9 o’ksZ] vkgs- o fdeku

foekd`r jDde 3]00]000 Ik;Zar vkgs-

ykHk&

1- ifjiDork ykHk &

eWP;qfjVh foek jDde vf/kd cksul vf/kd Qk;uy

vWfM”kuy cksul

2- e`R;qykHk &

lnj foekd`r O;fDrpk vi?kkr >kY;kl

1- eqG foek O;fDrpk vi?kkr >kY;kl

2- HkjysY;k fizfe;eP;k 105 VDds ; iSdh ts tkLr vlsy rs

vf/kd ykHk vf/kd cksul vf/kd Qk;uy vWfM”ku cksul

3- 2 o’ksZ fizfe;e HkjY;kuarj dtsZ miyC/k

4- VeZ jk;Mj ykHk 25]00]000 Ik;Zar ?ksrk ;sbZy

60
61
12- Tkhou v{k; 6 &

Lknj ikWfylhe/;s foesnkjkyk o;kP;k fdeku o; 35

o’khZiklwu rs deky o; 85 o’khZi;Zr gh ;kstuk ?ksrk ;srs- ;k

ikWfylhe/;s foekd`r jDde 1]00]000 Ik;Zar vkgs-

ykHk&

1- Ek`R;qykHk &

foesnkjkl rgg;kr ulY;kl R;kP;k e`R;qi”pkr iRuhl 50

VDds isU”ku

2- Ikjrkok &

foek/kkjdkauk 1 VDds vf/kd ijrkok ¼fjVUlZ½ feG.kkj

vkgs-

13-Ikariz/kku tu&/ku ;kstuk &

Ekksnh ljdkjus lq: dsysY;k iariz/kku tu&/ku ;kstusr &

1- Ikariz/kku tu&/ku ;kstuse/;s ifgY;kankp foek laj{k.kkph

O;oLFkk dj.;kr vkyh vkgs-

62
2- izR;sd [kkrsnkjkyk 1]00]000 :Ik;kai;Zar vi?kkr foek

laj{k.k feG.kkj vkgs] rj 30 gtkj :Ik;kai;Zarps vk;qfoZek

laj{k.k fnys tk.kkj vkgs-

3- iariz/kku tu&/ku ;kstusrhy vk;qfoZek ns.;kph tckcnkjh

vFkkZrp daiuhdMs lksio.;kr vkyh vkgs-

4- daiuh varxZr ,d lks”ku flD;qfjVh QaM pkyoyk tkrks- ;k

QaMke/kqu vke vkneh foek ;kstuk pkyfoyh tkrs-

5- xksjxjhc] nqcZy ?kVdkapk leqg foek dk<.;kph O;oLFkk ;k

;kstusr pkyoyh tkrs-

6- ;klkBh HkjkO;k ykx.kkÚ;k 200 : fizfe;eiSdh 50 VDds

jDde ;k flD;qfjVh QaMkrqu fnyh tkrs- uO;k

[kkrsnkjkauk ;kp ;kstuspk ykHk feG.kkj vkgs-

7- Xkfjckauk vi?kkr fdaok vpkud] e`R;quarj] vaR;

laLdkjkalkBh ns[khy lkodkjkiq<s gkr iljkos ykxrkr rs ;k

foek laj{k.kkeqGs can gksbZy

63
 4-6 ikWfylh la[;k & ekxhy
iapokf’kZd
S.N Years No.Of Polices
1 2011-12 6130
2 2012-13 8500
3 2013-14 9500
4 2014-15 10230
5 2015-16 13203

No.Of Polices
14000

12000

10000
No.Of Polices
8000

6000

4000

2000

0
2011-12 2012-13 2013-14 2014-15 2015-16

64
 EkWP;qfjVhps izek.k
Years Sub Benefit Maturity
2011-12 3800 1143
2012-13 4001 1204
2013-14 4200 1264
2014-15 4402 1325
2015-16 4700 1520

5000
4500
4000
3500
3000
2500 Sub Benefit
Maturity
2000
1500
1000
500
0
2011-12 2012-13 2013-14 2014-15 2015-16

65
 4-7 foE;klkBh ykx.kkjk QkWeZ
o dkxni=kph iqrZrk
foek feG.;klkBh foek daiuhyk Nkihy QkWeZ e/;s

foek izLrko Hk:u ?;kok ykxrks] ;k izLrkoko:u daiuh

foE;kpk djkj djrs o foenkjkyk ikWfylh nsrs-

1- foesnkjkps uko (Name)

2- iRrk (Address)

3- nqj/orh dzekad (Telephone No.) E-mail

4- tUrLFkG (Place of Birth)

5- o; (Age)

6- foek mrjfo.;kpk gsrw (Object of Insurance)

7- jk’Vh;Ro (Nationality)

8- fu;ksftr O;Drhps ¼ukWfeusps laiw.kZ uko½ (Nominaee’s Full

Name

9- reP;k’kh vlysys ukrs (Relationship to yourself)

10- eqnr o vof/k(Plan & Term)

66
11- foE;kps gIrs ¼okf’kZd] lgkekgh] frekgh] ekfld½(Mode-
Yearly, Half-Yearly, Quarterly, Mothly)

12- O;olk;

13- “kSf{kf.kd ik=rk(Educational, Qualification)

14- Okkf’kZd izkIrh (Annual Income)

15- izkIrh lk/kus (Source of Income)

16- vkiY;k vf/kP;k foE;kph ekfgrh (Please Give Details of Your

Previous Insurance)

17- dkSVqafcd bfrgkl (Family History)

18- oS;fDrd bfrgkl (Personal History)

19- ikWfylh dzekad (Policy No.)

20- Bank Account Details

[kkR;kpk izdkj (Types of Account)

[kkrs dzekad (Account No- Saving/Current)

9 digits MICR

cWadsps uko o iRrk (Name & Address of your Bank)

21- Lok{kjh (Signature)

22- vfHkdrkZ@eq[; thou fcuk lYykgxkj dh fjiksVZ (Agents/CLIA

Confidential Report)

67
68
 izdj.k 5

fu’d’kZ
 thou foek gh ladYiuk pkaxY;k i/nrhus letyh

 laxeusj ;sfFky fjyk;Ul thou foe fuxe egkeaMGkus

LFkkusiklwu rj vkrki;Zr dsysyh izxrh gh fuf”prp mRrqax

ns.kkjh vkgs-

 laxeusj “kk[ksr foek laj{k.k ns.kkÚ;k vlwu mRd`’V v”kk

vkgs-

 fjyk;Ul thou foek fuxe vH;kl dsyk vlrk vls fnlqu vkys dh]

thou foek izR;sd ?kjkr iksgpysyk vkgs-

 tj xqaro.kwdhr ;”k feGfo.k lksis vlrs rj izR;sdt.k Jhear cuyk

vlrk-

 yodj iSls feGfo.;kpk ekxZ gk osxkus o yodj iSls xefo.;kdMs

oyrks-

 rqeP;k nksu “k=qauk letqu ?;k-

69
 1- fHkrh

2- v/kk”khi.kk

 oS;Drhd n`f’Vdksu egRokpk vkgs-

^^Xykl usgehp ,d rj v/kkZ Hkjysyk fdaok v/kkZ fjdkek

vlrks**

 ^^fVIl** oj vk/kkfjr d/khgh xqaro.kqd d: udk

 dks.khgh Hkfo’; ikgq “kdr ukgh ex nqjn`’Vh vl.ks fgrdkjd

 “ksoVps dVq lR; y{kkr Bso.ks vko”;d vkgs

^^Jhear usgeh xfjckarj jkT; djhr vkys vkgsr o dtZ ?ks.kkjks

gk ns.kkÚ;k ;kpk uksdj curks**

70
 f”kQkj”kh@lqpuk
fjyk;Ul thou foek fuxe ;k laLFksrhy foE;kph

xqaro.kqd ok<fo.;klkBh [kkyhy f”kQkj”kh lqpfor vkgs

;ke/;s-

1-deh izek.kkr ?ks.kkÚ;k foek fuxe ;k xqro.kqdhe/;s ok<

gk.;klkBh xqaro.kqdnkjkauk vfHkizr dj.ks o ;ksX; ;kstuk

vlkoh-

2-fjyk;Ul thou foek fuxe ;ke/;s [kjsnh@fofdz djrk ;sbZy

;klkBh vk/kqfud iz.kkyh d;kZfUor djkoh-

3-xqaro.kqdnkjkauh vf/kd`r vWMOgk;tj ekQZrp daiuhps

O;ogkj djkosr T;keqGs xaqro.kqdnkjkauk ekscnyk

feGo.;krhy tksf[ked eh gksrs o yksdkauk fLFkj mRiUkkps

lk/ku miyC/k gksrs-

4-loZlk/kkj.k xqaro.kqdnkjkauk mRd`’V o papy cktkjisB

xqaro.kqd dj.;kbrds iqjsls Kku] dkS”kY;] osG urls Eg.kqu

xaqro.kqdnkjkalkBh fofo/k ;kstuk dk;Zdzd djkosr-

71
5-xqaro.kqd lYykxkjkalkBh dk;Z”kkGk vk;ksftr djkO;kr-

6-xqaro.kqd xqaro.kqdhP;k O;ogkjkr dks.krsgh Nqis O;ogkj

ulkosr e/;seoxhZ; o fuEu e/;ofxZ; yksdkauk R;kaP;k

cprhph xqaro.kqdhoj mRre ijrkok feGkok o R;kpizek.ks

ykHk feGkosr-

iz”ukoyh
1- 1-fjyk;Ul thou foek fuxe ekgeaMG laxeusj “kk[ksph

LFkkiuk

2- Lakxeusj “kk[kspk dksM uacj

3- fjyk;Ul thou foek fuxe egkeaMG laxeusj “kk[kspk

vf/kdkjhoxZ

4- fjyk;Ul thou foek fuxe egkeaMG laxeusj “kk[ksrhy

deZpkjh la[;k

5- fjyklUl thou foek fuxe egkeaMG laxeusj “kk[ksrhy

foekizrhuh/kh

72
6- fjyk;Ul thou foek fuxe egkeaMG laxeusj “kk[ksrhy

dk;Zi/nrh

7- daiuh e/;s dsysY;k xqaro.kqdhoj osGsoj ijrkok feGsy dk \

8- uO;kus vkysY;k ofj’B isa”ku chek ;kstusoj dtZ feGs dk \

9- daiuh rQsZ foekizfrfu/kh o “kk[kkdeZpkÚ;kalkBh dkgh

uohu ;kstuk vk[kyh tkrs dk \

73
 izdj.k 7

lanHkZ xzaFk
1- vftr vkgsj & fjyk;Ul thou foek fuxe egkeaMGkP;k fofo/k

;kstuk

2- eaxs’k doMs & fjyk;Ul thou foek fuxe o ;kstuk5

3- furhu Aahor & ijavana ivamaa

4- osclkbZV

www.google.co.in

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www.reliancenipponlife.com

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