Market Research Report : Bilangual annual report

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Market Research Report : Bilangual annual report

  1. 1. dm{f©H$ [anmoQ>© 2010-11 dm{f©H$ [anmoQ>© ANNUAL REPORT 2010-11 ~r_m {d{Z`m_H$ Am¡a {dH$mg àm{YH$aU ^maV INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY INDIAàYmZ H$m`m©b`: {X„r H$m`m©b`:Vrgam Vb, n[al_ ^dZ, àW_ Vb, OrdZ Vmam,~era~mJ, h¡Xam~mX-500 004 g§gX _mJ©, ZB© {X„r-110 001$moZ: +91-40-23381100 / 1300 $moZ: +91-11-23747648¡$Šg: +91-40-6682 3334 ¡$Šg: +91-11-23747650Head Office Delhi Office3rd Floor, Parishram Bhavan, 1st Floor, Jeevan Tara, Parliament Street,Basheerbagh, Hyderabad - 500 004 New Delhi – 110 001INDIA INDIAPhone : +91-40-2338 1100 / 1300 Phone : +91-11-2374 7648Fax : +91-40-6682 3334 Fax : +91-11-2374 7650 Website/do~gmB©Q>: www.irda.gov.in E-mail/B©-_ob: irda@irda.gov.in i
  2. 2. dm{f©H$ [anmoQ>© 2010-11 dm{f©H$ [anmoQ>© ANNUAL REPORT 2010-11 ~r_m {d{Z`m_H$ Am¡a {dH$mg àm{YH$aU ^maV INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY INDIAàYmZ H$m`m©b`: {X„r H$m`m©b`:Vrgam Vb, n[al_ ^dZ, àW_ Vb, OrdZ Vmam,~era~mJ, h¡Xam~mX-500 004 g§gX _mJ©, ZB© {X„r-110 001$moZ: +91-40-23381100 / 1300 $moZ: +91-11-23747648¡$Šg: +91-40-6682 3334 ¡$Šg: +91-11-23747650Head Office Delhi Office3rd Floor, Parishram Bhavan, 1st Floor, Jeevan Tara, Parliament Street,Basheerbagh, Hyderabad - 500 004 New Delhi – 110 001INDIA INDIAPhone : +91-40-2338 1100 / 1300 Phone : +91-11-2374 7648Fax : +91-40-6682 3334 Fax : +91-11-2374 7650 Website/do~gmB©Q>: www.irda.gov.in E-mail/B©-_ob: irda@irda.gov.in i
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  4. 4. dm{f©H$ [anmoQ>© 2010-11 ~r_m {d{Z`m_H$ Am¡a {dH$mg àm{YH$aU INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY nmaJ_Z nÌg{Md, 24 Zdå~a, 2011Am{W©H$ H$m`© {d^mJ, {dÎm _§Ìmb`Vrgam Vb, OrdZXrn {~pëS>¨J,g§gX _mJ©,Z`r {Xëbr-110 001lr_mZ²,h_ ~r_m {d{Z`m_H$ Am¡a {dH$mg àm{YH$maU A{Y{Z`_, 1999 H$s Ymam 20 Ho$ Cn~§Ym| Ho$ AZwgma, 31 _mM© 2011 H$mo g_má hþ`o df© Ho${b`o àm{YH$aU H$s dm{f©H$ [anmoQ>© H$s EH$ à{V, A{Ygy{MV ~r.{d.{d.àm. (dm{f©H$ [anmoQ>© {dda{U`m|, {ddaUm| Am¡a AÝ` {d{eï>`m| H$mo àñVwV{H$`m OmZm) {d{Z`_, 2000 Ho$ {d{hV àmê$n _| ^oO aho h¢ Ÿ& ^dXr`, (Oo h[a Zmam`U) LETTER OF TRANSMITTALTo 24th November, 2011The Secretary,Department of Financial ServicesMinistry of Finance3rd Floor, Jeevan Deep BuildingParliament StreetNew Delhi – 110 001Sir,In accordance with the provisions of Section 20 of the Insurance Regulatory and Development AuthorityAct, 1999, we are sending herewith a copy of the Annual Report of the Authority for the financial year ended31st March, 2011 in the format prescribed in the IRDA (Annual Report – Furnishing of returns, statementsand other particulars) Rules, 2000. Yours faithfully, (J HARI NARAYAN) n[al_ ^dZ, Vrgam Vb, ~era~mJ, h¡Xam~mX-500 004. ^maV Parishram Bhavan, 3rd Floor, Basheer Bagh, Hyderabad-500 004. INDIA. ¥ : +91-40-6682 0957, ¡$Šg: 91-40-6682 3334 Ph. : +91-40-6682 0957, Fax: 91-40-6682 3334 B©-_ob : chairman@irda.gov.in do~: www.irda.gov.in E-mail : chairman@irda.gov.in Web.: www.irda.gov.in ii
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  6. 6. dm{f©H$ [anmoQ>© 2010-11 {df` gyMrbú` H$WZ~r.{d.{d.àm. H$m Xbn[aÑí` .. 1 ^mJ-I Zr{V`m± Ed§ H$m`©H«$_I.1 gm_mÝ` Am{W©H$ dmVmdaU ... 9I.2 d¡pídH$ ~r_m n[aÑí` ... 9I.3 ^maVr` ~r_m ~mOma H$m {ZYm©aU ... 13I.4 nwZarjU I.4.1 ~r_mYmaH$m| Ho$ {hVm| H$s ajm ... 37 I.4.2 ~r_mH$mVm©Am| Ho$ g§nÞVm bm^ H$m AZwajU ... 39 I.4.3 nwZ~r©_m H$s {ZJamZr ... 40 I.4.4 ~r_m nyb ... 42 I.4.5 ~r_mH$Vm©Am| Ho$ {Zdoe H$s XoI^mb ... 45 I.4.6 ñdmñÏ` ~r_m ... 47 I.4.7 J«m_rU E§d gm_m{OH$ joÌm| _| ì`mnma ... 50 I.4.8 {d{Îm` [anmo{Q>ªJ Ed§ ~r_m§{H$H$ _mZH$ ... 51 I.4.9 YZ{damoYr J{V{d{Y`m±/AmV§H$dmX H$mo {dÎm nhþ±MmZo H$m IÊS>Z H$aZm ... 53 I.4.10 $gb ~r_m ... 53 I.4.11 gyú_ ~r_m ... 54 I.4.12 àm{YH$aU Ûmam Omar {ZX}e, AmXoe Ed§ {d{Z`_Z ... 60 I.4.13 gyMZm H$m A{YH$ma A{Y{Z`_ ... 60 ^mJ-II H$m`m] Am¡a n[aMmbZm| H$s g_rjmII.1 ~r_m Am¡a nwZ~r©_m H§$n{Z`m| Ho$ {b`o {d{Z`_Z ... 61II.2 ~r_m ì`dgm` go OwS>o _Ü`ñW ... 62II.3 noMrXm _m_bo, `m{MH$m Xm`a H$aZm Am¡a Ý`m`mb` _| AnZo {eH$m`V H$mo ì`º$ H$aZm ... 67II.4 ~r_m _| A§Vam©ï´>r` ghm`Vm Am¡a ghH$m[aVm ... 70II.5 bmoH$ {eH$m`V| ... 71II.6 ~r_m g{_{V d ~r_m n[afX ... 73II.7 bmoH$nmbm| H$s H$m`© àUmbr ... 76 iii
  7. 7. dm{f©H$ [anmoQ>© 2010-11 ^mJ-III àm{YH$aU Ho$ d¡Ym{ZH$ Ed§ {dH$mgerb H$m`©III.1 AmdoXH$ H$mo n§OrH$aU, ZdrZrH$aU, ~Xbmd, dmngr, {Zb§~Z, {ZañVrH$aU Am{X AmdoXZ ... 77 Omar H$aZo go g§~§{YVIII.2 [Z{X©ï> nm°{bgr, nm{bgrYmaH$ Ûmam Zm_m§H$Z, ~r{_V ã`mO, Xmdo H$m {ZnQ>mam, ga|S>a H$aVo dº$ nm{bgr ... 78 H$m _yë` VWm ~r_m AZw~§Y go OwS>r hþB© eV]III.3 ~r_m _Ü`ñWm| Am¡a A{^H$Vm©Am| Ho$ {bE Ano{jV e¡j{UH$ `mo½`Vm, AmMma g§{hVm VWm àm`mo{JH$ ... 78 à{ejU Ho$ {bE eV]III.4 hm{Z {ZYm©aH$m| Am¡a gd}jH$m| Ho$ {b`o {ZYm[a©V AMma g§{hVm ... 79III.5 ~r_m ì`dgm` H$aVo hþEo XjVm H$mo ~‹T>mZm ... 80III.6 ~r_m Am¡a nwZ~u_m ì`dgm` go OwS>o hþE g§JR>Zm| H$mo {d{Z`{_V H$aZm Am¡a ~T>mdm XoZm ... 80III.7 A{Y{Z`_ Ho$ {bE br JB© $sg Am¡a AÝ` Vah Ho$ ewëH$ ... 80III.8 ~r_m ì`dgm` go OwS>o ~r_màXmVm, _Ü`ñW, ~r_m _Ü`ñW VWm AÝ` g§JR>Zm| go OwS>r gyMZmE§, ... 80 {ZarjU, nyN>VmN> Am¡a Om§M Am{S>Q> Ho$ gmWIII.9 gm_mÝ` ~r_m H$mamo~ma Ho$ A§VJ©V ~r_mH$Vm© Ûmam CnbãY H$amB© JB© Xa, bm^, {Z`_ Am¡a ... 81 eV] ~r_m A{Y{Z`_ 1938 (4/1938) Ho$ AZwÀN>oX 64 `y Ho$ A§VJ©V àewëH$ gbmhH$ma g{_{V Ûmam {Z`§{Ì d {d{Z`{_V ZhtIII.10 boIm OmoIm H$s {H$Vm~o Am¡a CZH$m {Zd©hU Am¡a boIm OmoIm Ho$ {H$Vm~o ~r_m H§$n{Z`m| Am¡a ... 81 AÝ` ~r_m _Ü`ñVm| go Am`mo{OV boIm OmoIm CZH$m {Zd©hU {H$g àH$ma go Am`mo{OV {H$`m J`m h¡ CZH$m ñnï>rH$aU _m§Jm J`m h¡III.11 ~r_m H§$n{Z`m| Ûmam {Z{Y`m| Ho$ {Zdoe H$mo {d{Z`{_V H$aZm ... 82III.12 ~r_m F$UemoYZ j_Vm Ho$ aIaImd H$m {d{Z`_Z ... 82III.13 ~r_mH$Vm©Am| Am¡a _Ü`ñWm| AWdm ~r_m _Ü`ñWm| Ho$ ~rM {ddmXm| _| Ý`m` {ZU©`Z ... 83III.14 àmewëH$ g_mhH$ma g{_{V (Q>rEgr) H$m AYrjU ... 83III.15 ì`dgm` g§JR>Z H$mo ŠbmO-(6) Ho$ {Z`_m| H$m nmbZ H$aVo hþE ~r_m H§$nZr Ho$ àr{_`_ ... 84 Am` Ho$ {H$VZm à{VeV h¡ BgH$m ñnï>rH$aU Zht {H$`m h¡ Am¡a Cnamoº$ Am{W©H$ à`moOZ `moOZmAm| H$mo bmJy H$aHo$ CZH$mo nXmoÞ{V XoZo Ho$ {bE Am¡a ì`dgm{gH$ g§JR>Z Ho$ {Z`_m| H$mo ŠbmO 6 _| àñVm{dV {H$`m h¡III.16 ~r_mH$Vm©Am| Ûmam J«m_rU d gm_{OH$ joÌ _| OrdZ ~r_m d gmYmaU ~r_m _| {H$`o ... 84 OmZo dmbo ì`dgm` Ho$ à{VeV H$mo Xem©ZmIII.17 Hw$N> AÝ` e{º$`m| H$m à`moJ `{X {ZYm©[aV H$s JB© h¡Ÿ& ... 85 iv
  8. 8. dm{f©H$ [anmoQ>© 2010-11 ^mJ-IV g§JR>Z go Ow‹S>o _m_boIV.1 g§JR>Z .. 87IV.2 àm{YH$aU H$s ~¡R>H|$ .. 87IV.3 _mZd g§gmYZ .. 87IV.4 amO^mfm H$mo àmoËgmhZ .. 87IV.5 AZwg§YmZ Am¡a {dH$mg .. 87IV.6 ~r.{d.{d.àm. _| gyMZm àm¡Úmo{JH$s H$s pñW{V .. 88IV.7 boIm .. 90IV.8 ~r.{d.{d.àm. n{ÌH$m .. 90IV.9 Am^ma àXe©Z .. 90 ~m°Šg _X|1. OrdZ ~r_m joÌ _| Xmdm| H$m {ZnQ>mZ .. 202. J¡a-OrdZ ~r_m joÌ _| Xmodm| H$m {ZnQ>mZ .. 303. ñdmñÏ` ~r_m gwdmøVm (nmoQ>}{~{bQ>r) .. 354. EH$sH¥$V {eH$m`V à~§YZ àUmbr (AmB©OrE_Eg) .. 385. Am{W©H$ ny±Or .. 526. gyú_ ~r_m - {nN>bo H$m`© {ZînmXZ H$s g_rjm Am¡a ^{dî` H$s énaoIm .. 57 {df` gmaUrI.1 df© 2010 Ho$ Xm¡amZ àr{_`_ _| dmñV{dH$ {dH$mg .. 10I.2 ^maV _| ~r_m àdoe Am¡a YZËd .. 12I.3 ^maV _| n§OrH¥$V ~r_mH$Vm© (30 {gVå~a, 2011 VH$) .. 13I.4 OrdZ ~r_mH$Vm©Am| Ûmam àmá àr{_`_ .. 14I.5 OrdZ ~r_m H$m ~mOma A§e .. 15I.6 Omar nm°{bgr`m| H$s g§»`m: OrdZ ~r_mH$Vm© .. 16I.7 àXÎm ny±Or: OrdZ ~r_mH$Vm© .. 16I.8 H$_reZ ì``: OrdZ ~r_mH$Vm© .. 17I.9 H$_reZ ì`` AZwnmV: OrdZ ~r_mH$Vm© .. 17I.10 n[aMmbZ ì``: OrdZ ~r_mH$Vm© .. 17I.11 àm`moOH$ ì`` H$m AZwnmV : OrdZ ~r_mH$Vm© .. 18I.12 ì`{º$JV _¥Ë`w Xmdm: OrdZ ~r_mH$Vm© .. 18I.13 gm_y{hH$ _¥Ë`w Xmdm: OrdZ ~r_mH$Vm© .. 19I.14 OrdZ ~r_m H$m`m©b`m| H$m g§»`m .. 23I.15 OrdZ ~r_mH$Vm©Am| Ho$ H$m`m©b`m| H$m {ddaU (31 _mM© 2011 VH$) .. 24I.16 ^maV _| Hw$b gH$b àr{_`_ Am`: J¡aOrdZ ~r_mH$Vm© .. 25I.17 ^maV _| Hw$b gH$b àr{_`_ Am` .. 26I.18 (^maV _|) J¡a OrdZ ~r_mH$VmAm| Ûmam àmá H$s JB© dJm©Zwgma àr{_`_ .. 27I.19 Hw$b àr{_`_ _| ^maV go ~mha Ho$ àr{_`_ H$m AZwnmV .. 27I.20 ^maV Ho$ ~mha hþE ì`dgm` go àmá gH$b àË`j àr{_`_ .. 28I.21 ZB© Omar nm°{bgr`m± : J¡a OrdZ ~r_mH$Vm© .. 28I.22 àXÎm ny§Or - J¡a OrdZ ~r_mH$Vm© VWm nwZ~u_mH$Vm© (31 _mM© VH$) .. 28I.23 ~r_m H$aZo _| hm{Z-J¡a OrdZ ~r_mH$Vm© .. 29I.24 H$_reZ ì``: J¡a OrdZ ~r_mH$Vm© .. 29I.25 g§MmbZ ì``: J¡a OrdZ ~r_mH$Vm©Am| H$m .. 29I.26 dhZ {H$`m J`m Hw$b Xmdm: J¡a OrdZ ~r_mH$Vm© .. 30I.27 dhZ {H$`o J`o Xmdm| H$m AZwnmV (dJm©Zwgma) .. 30I.28 {Zdoe Am`: J¡a OrdZ ~r_m H§$nZr .. 33I.29 ewÕ bm^/hm{Z: J¡a OrdZ ~r_mH$Vm©Am| H$mo .. 33I.30 àXÎm bm^m§e: J¡a OrdZ ~r_mH$Vm© .. 33 v
  9. 9. dm{f©H$ [anmoQ>© 2010-11I.31 J¡a OrdZ ~r_m H$m`m©b`m| H$s g§»`m .. 33I.32 ^maVr` ì`dgm` H$m ewÕ àr{_`_ grYm gH$b àr{_`_ H$m à{VeV (OrAmB©gr H$mo N>mo‹S>H$a) .. 40I.33 ^maV _| gH$b àË`j àr{_`_ Ho$ A§VJ©V nwZ~u_m _o ^maV Ho$ AÝXa Am¡a ^maV Ho$ ~mha .. 41I.34 ^maVr` ì`dgm` na ^maV go ~mha A{n©V nwZ~u_m .. 41I.35 gXñ` H§$n{Z`m| H$m {hñgm ^maVr` joÌ {ZH$m` _| .. 42I.36 AmV§H$dmXr Omo{I_ ~r_m Ho$ {b`o àr{_`_ H$s Xa (1 Aà¡b 2010) .. 43I.37 _moQ>a ~r_m V¥Vr` njH$ma Xmdo .. 44I.38 nwb gXñ`m| H$m ~mOma -{hñgm .. 45I.39 ~r_m joÌ Ûmam {H$`m J`m {d{Zdoe (31 _mM© 2011 VH$) .. 45I.40 OrdZ ~r_m joÌ Ûmam {H$`m J`m {d{Zdoe: {Z`_mZwgma (31 _mM© 2011 VH$) .. 46I.41 OrdZ ~r_m joÌ Ûmam {H$`m J`m {d{Zdoe: {Z{Y AZwgma (31 _mM© 2011 VH$) .. 46I.42 {d[Zdoe H$m {dH$mg : {Z{Y AZwgma (31 _mM© 2011 VH$) .. 47I.43 J¡aOrdZ ~r_m joÌ Ûmam {H$`m J`m {d{Zdoe: {Z{Y AZwgma (31 _mM© 2011 VH$) .. 47I.44 ñdñÏ` ~r_m àr{_`_ - 2006-2011 .. 48I.45 Q>rnrEo bmBg|g H$m ZdrZrH$aU 2010-11 .. 49I.46 Q>rnrEo g§aMZm (2010-11) .. 49I.47 V¥Vr` nj àemgH$ - Xmdm Am±H$S>o .. 50I.48 gyú_ ~r_m nmoQ>©$mo{b`m| Ho$ VhV df© 2010-11 Ho$ {b`o Z`m ì`mnma .. 55I.49 OrdZ ~r_m H§$n{Z`m| Ho$ gyú_ ~r_m A{^H$Vm© .. 55I.50 gyú_ ~r_m nmoQ>©$mo{b`mo-2010-11 ì`{º$`m| H$s _¥Ë` H$m Xmdm .. 55I.51 gyú_ ~r_m nmoQ>©$mo{b`mo-2010-11 Ho$ A§VJ©V gm_y{hH$ _¥Ë`w Xmdo .. 56I.52 gyú_ ~r_m ì`{º$JV loUr-2010-11 _| _¥Ë`w Ho$ Xmdm| H$m g_` AZwgma {ZßQ>mam .. 56I.53 AdYr AZwgma gyú_ ~r_m _| _¥Ë`w Xmdm| H$m {ZßQ>mam - J«wn dJ© 2010-11 .. 56I.54 grnrAmBAmo A{Ym[a`m| H$s gyMr .. 60II.1 OrdZ ~r_m go OwS>o ì`{º$JV A{^H$Vm©Am| H$m {ddaU .. 62II.2 OrdZ ~r_m go OwS>o {ZJ{_V A{^H$Vm©Am| H$m {ddaU .. 63II.3 OrdZ ~r_mH$Vm©Am| Ûmam d¡`{º$H$ loUr _| Z`o ì`dmgm`m| _o {H$`m J`m àXe©Z l¥Ibm~Õ .. 63II.4 OrdZ ~r_mH$VmAm| Ûmam ì`{º$JV Ed§ g_yh loUr _| Z`o ì`dgm`m| _| {H$`m J`m àXe©Z l§Ibm~Õ 2010-11 .. 64II.5 OrdZ ~r_mH$Vm©Am| Ûmam ì`{º$JV Ed§ g_yh loUr _| Z`o ì`dgm`m| _| {H$`m J`m n«Xe©Z l§Ibm~Õ 2010-11 .. 65II.6 gd}jH$ Am¡a hm{Z {ZYm©aH$ H$mo Omar {H$`o AZwkm{á`m| H$s g§»`m .. 66II.7 gd}jH$ Am¡a hm{Z {ZYm©aH$ go g§~§{YV {eH$m`Vo .. 67II.8 Xm`a {H$`o J`o _m_bm| H$m {ddaU .. 67II.9 `m{MH$m Xm`a H$aZm Am¡a _m_bm| H$m hb H$aZm .. 67II.10AmB©EAmBEg H$s g{_{V`m§ d Cn g{_{V`m§ .. 71II.11{eH$m`Vm| H$s pñW{V - OrdZ ~r_mH$Vm© .. 71II.12{eH$m`V àH$moð> _| XO© {eH$m`Vm| H$m dJuH$aU .. 72II.13{eH$m`Vm| H$s pñW{V - J¡a OrdZ ~r_mH$Vm© - 2010-11 _| .. 73II.142010-11 df© _| bmoH$nmb Ûmam ¡$gbm {H$ JB© {eH$m`Vm| H$m {ddaU .. 76III.1àm{YH$aU Ûmam bJm`m J`m Am{W©H$ X§S> .. 77 MmQ>m] H$s gyMrI.1 M`{ZV Xoem| _| ~r_m KZËd-2010 .. 10I.2 M`{ZV Xoem| _| ~r_m AV§: àdoeZ-2010 .. 11I.3 ^maV _| ~r_m KZËd .. 12I.4 ^maV _| ~r_m AV§: àdoeZ .. 13I.5 OrdZ ~r_mH$Vm©Am| Ûmam Omo{I_ A§{H$V àr{_`_ .. 15I.6 b§{~V Xmdm| H$m Ad{YH$ma {d^mOZ-ì`{º$JV nm°{b{g`m± .. 19I.7 b§{~V Xmdm| H$m Ad{Ydma {d^mOZ - gm_y{hH$ nm°{b[g`±m .. 22I.8 OrdZ ~r_m H$m`m©b`m| H$s g§»`m .. 24I.9 OrdZ ~r_m H$m`m©b`m| H$m ^m¡Jmo{bH$ {dVaU .. 24I.10 J¡a OrdZ ~r_mH$Vm©Am| H$s gH$b grYr àr{_`_ .. 25 vi
  10. 10. dm{f©H$ [anmoQ>© 2010-11I.11 KQ>H$dma J¡a OrdZ ~r_m àr{_`_ .. 27I.12 J¡a-OrdZ ~r_m H$m`m©b`m| H$s g§»`m .. 34II.1 OrdZ ~r_mH$Vm©Am| H$m ì`{º$JV Z`m H$mamo~ma àr{_`-M¡Zbdma .. 64II.2 OrdZ ~r_mH$Vm©Am| H$m gm_y{hH$ Z`m H$mamo~ma àr{_`_ - M¡bZ dma .. 65II.3 OrdZ ~r_mH$Vm©Am| H$m Z`m H$mao~ma àr{_`_ (ì`{º$JV Am¡a gm_y{hH$) .. 66 {ddaUm| H$s gyMr1. ~r_m àdoe H$s A§Vamoï´>r` VwbZm .. 932. ~r_m YZËd H$s A§am©ï´>r` VwbZm .. 943. àW_ df© OrdZ ~r_m à{_`_ .. 954. Hw$b OrdZ ~r_m àr{_`_ .. 965. OrdZ ~r_mH$Vm©Am| H$m ì`{º$JV Z`m ì`mnma {ZînmXZ - M¡Zb Ho$ AZwgma .. 976. OrdZ ~r_mH$Vm©Am| H$m Z`m g_yh ì`mnma {ZînmXZ - M¡Zb Ho$ AZwgma .. 997. amÁ`mZwgma ì`{º$JV Z`m ì`mnma boIm±H$Z .. 1018. amÁ`mZwgma ~r_m boIZ {H$`m J`m J«wn Z`m ì`mnma .. 1049. ì`{º$JV ì`mnma (^maV _|) - Mmby ì`mnma - nm°br{g`m| H$s g§»`m .. 10810. ì`{º$JV ì`mnma (^maV _|) - Mmby ì`mnma - ~r_m am{e .. 10911. OrdZ ~r_mH$mVAm| H$m qbŠS> d Zm§Z qbH$S> àr{_`_ .. 11012. OrdZ ~r_mH$mVAm| H$m qbŠS> d Zm§Z qbH$S> H$_reZ .. 11213. ì`{º$JV _¥Ë`w Xmdo .. 11314. J«wn _¥Ë`w Xmdo .. 11515. g_`mZwgma _¥Ë`w Xmdm| H$m {ZßQ>mam - ì`{º$JV loUr .. 11716. g_`mZwgma _¥Ë`w Xmdm| H$m {ZßQ>mam - J«wn loUr .. 11817. OrdZ ~r_mH$VmAm| Ho$ à~§YZ Ho$ A§VJ©V g§n{Îm`m± .. 11918. OrdZ ~r_mH$VmAm| H$s B{¹${Q> eo`a ny±Or .. 12219. OrdZ ~r_mH$VmAm| H$m emoYZ j_Vm AZwnmV .. 12320. OrdZ ~r_mH$Vm© - nm{bgrYmaH$ ImVm .. 12421. OrdZ ~r_mH$Vm© - A§eYmar ImVm .. 12722. OrdZ ~r_mH$Vm© - VwbZ nÌ .. 13023. EbAmB©gr - nm°{bgrYmaH$ ImVm (J¡a-^mJrXmar) .. 13324. EbAmB©gr - A§eYmar ImVm (J¡a-^mJrXmar) .. 13425. EbAmB©gr - VwbZ nÌ(J¡a-^mJrXmar) .. 13526. ì`{º$JV ì`mnma - Zm°Z-qbH$S> ì`mnma Ho$ g§X^© _| g_nhaU/ì`{º$JV nm°{b{g`m± .. 13627. OrdZ ~r_mH$Vm©Am| Ho$ ì`{º$JV A{^H$Vm©Am| Ho$ {ddaU .. 13728. OrdZ ~r_mH$Vm©Am| Ho$ {ZJ{_V A{^H$Vm©Am| Ho$ {ddaU .. 13829. OrdZ ~r_mH$Vm©Am| Ho$ amÁ`mZwgma {dVaU H$m`m©b` .. 13930. OrdZ ~r_mH$VmAm| Ho$ joÌmZwgma {dVaU H$m`m©b` .. 14031. ì`{º$JV A{^H$VmAm| H$m amÁ`mZwgma {dVaU .. 14132. gyú_ ~r_m g§{d^mJ Ho$ A§VJ©V Z`m ì`mnma .. 14233. gyú_ ~r_m g§{d^mJ Ho$ A§V©JV _¥Ë`w Xmdo - ì`{º$JV loUr .. 14334. gyú_ ~r_m g§{d^mJ Ho$ A§VJ©V _¥Ë`w Xmdo - J«wn loUr .. 14535. gyú_ ~r_m Xmdm| Ho$ A§VJ©V Ad{Y AZwgma ^wJVmZ - ì`{º$JV loUr .. 14736. gyú_ ~r_m Xmdm| Ho$ A§VJ©V Ad{Y AZwgma ^wJVmZ - J«wn loUr .. 14837. H§$nZr Ho$ AZwgma gyú_ ~r_m A{^H$VmAm| H$s g§»`m .. 14938. OrdZ ~r_mH$VmAm| Ho$ gyú_ ~r_m CËnmXm| H$s gyMr .. 15039. gH$b àË`j àr{_`_: J¡a OrdZ ~r_m (^maV VWm ^maV Ho$ ~hma) .. 15140. {d^mOZ AZwgma J¡a OrdZ ~r_mH$Vm©Am| H$s gH$b àË`j àr{_`_ Am` (^maV _|) .. 15241. {d^mOZ AZwgma ewÕ àr{_`_ Am` (A{O©V) .. 15342. h¡ëW B§í`moa|g àr{_`_ E§d H$dS>© ì`{º$`m| H$s g§»`m - 2010-11 .. 15443. J¡a OrdZ ~r_mH$mV©Am| H$s M¡Zb AZwgma gH$b àË`j àr{_`_ Am` .. 156 vii
  11. 11. dm{f©H$ [anmoQ>© 2010-1144. amÁ`mZwgma gH$b àË` àr{_`_ Am` .. 15745. J¡a OrdZ ~r_mH$Vm©Am| Ho$ ewÕ à{VYmaU .. 15846. ì`` {H$`m hþAm Xmdm AZwnmV - gmd©O{ZH$ joÌ J¡a OrdZ ~r_mH$Vm© .. 15947. ì`` {H$`m hþAm Xmdm AZwnmV - {Z{O joÌ J¡a OrdZ ~r_mH$Vm© .. 16048. Xmdm ^wJVmZ Ed§ CnJV Xmdm| H$m AZwnmV : ñdmñÏ` ~r_m .. 16149. ~r_m boIZ AZw^d Ed§ gmd©O{ZH$ joÌ H$s H§$n{Z`m| H$m bm^ .. 16250. ~r_m boIZ AZw^ Ed§ {ZOr joÌ H$s H§$n{Z`mo H$m bm^ .. 16351. J¡a OrdZ ~r_mH$Vm©Am| Ho$ à~§YZ Ho$ AYrZ g§n{Îm`m± .. 16552. J¡a OrdZ ~r_mH$Vm©Am| H$s B{¹${Q> .. 16653. ^maV _| J¡a OrdZ ~r_mH$VmAm| H$m emoYZ AZwnmV .. 16754. gmd©O{ZH$ joÌ Ho$ J¡a OrdZ ~r_mH$Vm© - nm°{bgrYmaH$ boIm .. 16855. A§eYmaH$ ImVm : gmd©O{ZH$ joÌ Ho$ J¡a OrdZ ~r_mH$Vm© .. 17056. VwbZ-nÌ: gmd©O{ZH$ joÌ Ho$ J¡a OrdZ ~r_mH$Vm© .. 17157. {ZOr joÌ Ho$ J¡a OrdZ ~r_mH$Vm© - nm°{bgrYmaH$ boIm .. 17258. A§eYmaH$ ImVm: {ZOr joÌ Ho$ J¡a OrdZ ~r_mH$Vm© .. 17759. VwbZ-nÌ: {ZOr joÌ Ho$J¡a OrdZ ~r_mH$Vm© .. 17960. ñdmñÏ` ~r_mH$Vm© - nm{bgrYmaH$ ImVm .. 18161. ñdmñÏ` ~r_mH$Vm© - A§eYmaH$ ImVm .. 18262. ñdmñÏ` ~r_mH$Vm© - VwbZ nÌ: .. 18363. ^maVr` {Z`m©V F$U Jma§Q>r {ZJ_ {b{_Q>oS> - nm{bgrYmaH$ ImVm .. 18464. ^maVr` {Z`m©V F$U Jma§Q>r {ZJ_ {b{_Q>oS> - A§eYmaH$ ImVm .. 18565. ^maVr` {Z`m©V F$U Jma§Q>r {ZJ_ {b{_Q>oS> - VwbZ-nÌ .. 18666. ^maVr` H¥${f ~r_m H§$nZr - nm{bgrYmaH$ ImVm .. 18767. ^maVr` H¥${f ~r_m H§$nZr - A§eYmaH$ ImVm .. 18868. ^maVr` H¥${f ~r_m H§$nZr - VwbZ - nÌ .. 18969. ^maVr` gmYmaU ~r_m {ZJ_ - nm{bgrYmaH$ ImVm .. 19070. ^maVr` gmYmaU ~r_m {ZJ_ - A§eYmaH$ ImVm .. 19171. ^maVr` gmYmaU ~r_m {ZJ_ - VwbZ - nÌ .. 19272. J¡a OrdZ ~r_mH$VmAm| Ho$ amÁ`mZwgma H$m`m©b` .. 19373. Vrgam nj àemgH$ - Xmdm| H$m S>mQ>m .. 19574. {eH$m`Vo: OrdZ ~r_m .. 19775. {eH$m`Vo - J¡a OrdZ ~r_mH$Vm© .. 19876. {d{^Þ Ho$ÝÐm| na ~r_m bmoH$nmb H$m H$m`© ñVa 31 _mM© 2011 H$s g_m{á VH$ {eH$m`V H$m {ZßQ>mam - (OrdZ ~r_m) .. 19977. {d{^Þ Ho$ÝÐm| na ~r_m bmoH$nmb H$m H$m`© ñVa 31 _mM© 2011 H$s g_m{á VH$ {eH$m`V H$m {ZßQ>mam (J¡a OrdZ ~r_m) .. 20078. {d{^Þ Ho$ÝÐm| na ~r_m bmoH$nmb H$m H$m`© ñVa 31 _mM© 2011 H$s g_m{á VH$ {eH$m`V H$m {ZßQ>mam .. 201 (OrdZ ~r_m Ed§ J¡a OrdZ ~r_m g§`wº$) g§b¾H$mo§ H$s gyMr1. ^maV _| H$m_ H$aZo dmbr ~r_m H§$n{Z`m± .. 2052. ~r_mH$Vm©Am| d {d{^Þ _Ü`ñVm| Ho$ {b`o ewëH$ T>m±Mm .. 2073. (E) ^maVr` OrdZ ~r_m {ZJ_ Ho$ {Z{üV OrdZ _§ _¥Ë`w Xa - EbAmB©gr 94-96 A§{V_ .. 208 (~r) ^maVr` OrdZ ~r_m {ZJ_ Ho$ dm{f©H$ J«{h`m| _| _¥Ë`w Xa - .. 2094. {dÎm df© 2010-11 _| {ZH$mbo J`o OrdZ ~r_m CËnmX .. 2105. {dÎm df© 2010-11 _| {ZH$mbo J`o J¡a OrdZ ~r_m CËnmX (J¡a-àewëH$) .. 2166. OrAmB©gr Ûmam àmá {H$`o J`o A{Zdm`© goeZ .. 2197. n§OrH¥$V Xbmb (amÁ` Ho$ AmYma na) .. 2208. Aà¡b 2010 go àm{YH$aU Ûmam Omar {H$`o J`o n[anÌ/AmXoe/A{YgyMZmE| .. 2219. AmB©AmaS>rE A{Y{Z`_, 1999 Ho$ AYrZ ~Zm`o J`o {d{Z`_Z ... 226 viii
  12. 12. dm{f©H$ [anmoQ>© 2010-11 bú` H$WZnm°{bgrYmaH$m| Ho$ {hVm| H$s ajm H$aZm Ed± CZHo$ à{V {Zînj ì`dhma gw{ZpíMV H$aZm;Am_ AmX_r Ho$ bm^ d AW©ì`dñWm Ho$ ËdaUerb {dH$mg Ho$ {b`o XrY©H$m{bH$ {Z{Y`m| H$mo CnbãY H$admZo hoVw ~r_m CÚmoJ _| Vrd«d H«$_~Õ d¥{Õ bmZm (dm{f©H$ d godm-{Zd¥{Îm ^wJVZm| g{hV);{OZH$m dh {d{Z`_Z H$aVm h¡ CZ_| AI§S>Vm Ho$ Cƒ ñVa {ZYm©[aV H$aZm, CÝh| àmoËgm{hV H$aZm,CZH$s {ZJamZr H$aZm, {d{Îm`_O~yVr, {Zínj ì`dhma VWm gm_Ï`© H$s nw{ï> H$aZm;dmñV{dH$ Xmdm| H$m erK«Vm go {ZßQ>mam gw{ZpíMV H$aZm, ~r_m YmoIm| d AÝ` Hw$àWmAm| go ~Mmd VWm à^mdH$mar {eH$m`V-{ZdmaUV§Ì ñWm{nV H$aZm;CZ g^r {d{Îm` ~Omam| _| Omo ~r_m H$m H$amo~ma H$aVo h¢ {ZînjVm, nmaX{e©Vm d gwì`dpñWV g§MmbZ H$m g§dY©Z H$aZm VWm ~mOma Ho$ì`dgm{``m| _| CƒñVar` {d{Îm` _O~yVr Ho$ àdV©Z Ho$ {b`o EH$ {dœgZr` à~§YZ gyMZm àUmbr H$m {Z_m©U H$aZm;Ohm± Bg àH$ma Ho$ _mZ An`m©á h¡ AWdm Aà^mdr én go ~mÜ` {H$`o hþE h¡, dhm± H$m`©dmhr H$aZm;{ddoH$nyU© {d{Z`_Z H$s Amdí`º$mZwgma CÚmoJ Ho$ X¡{ZH$ {H«$`mH$bmnm| _| AZwHy$bV_ _mÌm _| ñd-{d{Z`_Z gånm{XV H$aZm Ÿ& ix
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  14. 14. dm{f©H$ [anmoQ>© 2010-11 AmB©AmaS>rE H$m Xb Oo h[a Zmam`U AÜ`j gXñ` Ho$ Ho$ lr{ZdmgZ S>m° Ama H$ÞZ (4 {gVå~a 2010 VH$) (1 OyZ 2011 VH$)Or à^mH$am Ama Ho$ Zm`a E_ am_màgmX (11 Aºy$~a 2010 go) x
  15. 15. dm{f©H$ [anmoQ>© 2010-11 PART TIME MEMBERS {dO` _hmOZ A_aOrV Mmon‹S>m (6 Aºw$~a 2010 VH$) (5 $adar 2011 VH$) Eb E_ dmg Bbm Ama ^Å> àmÜ`mnH$ dr Ho$ Jwám(17 AJñV 20Ÿ11 VH$) (7 Aºy$~a> 20Ÿ10 go) Or am_mñdm_r Aa{dÝX Hw$_ma (6 $adar 20Ÿ11 go) (18 AJñV> 20Ÿ11 go) xi
  16. 16. dm{f©H$ [anmoQ>© 2010-11 à~moY MÝXa Ho$ gw~«h_Ê`_ H$m`©H$mar {ZXoeH$ (J¡a-OrdZ) H$m`©H$mar {ZXoeH$ ({~_m§H$Z) (15 Z§d~a 2010 VH$) (30 OwZ 201Ÿ1 VH$) E {J[aYa S>m° S>r dr Eg emór H$m`©H$mar {ZXoeH$ (àemgZ) _hm {ZXoeH$ (emoY Ed§ {dH$mg) (31 OwbmB© 201Ÿ0 VH$) Hw$Þob ào_ lram_ Va{ZH$m±{V EZ lr{Zdmg amdgr Eg Amo (OrdZ) {dÎmr` nam_e©XmVm E$E Ed§ grEAmo (24 AJñV> 201Ÿ1 go) (3 _B© 201Ÿ1 VH$) xii
  17. 17. dm{f©H$ [anmoQ>© 2010-11 d[að> g§`wº$ {ZXoeH$ gwaoe _mWwa E_ nw„m amd g§`wº$ {ZXoeH$S>m° __Vm gyar aUXrn qgh OJnmb _wHo$e e_m© Oo _rZm Hw$_mar xiii
  18. 18. dm{f©H$ [anmoQ>© 2010-11 g§`wº$ {ZXoeH$Eg EZ O`qg÷Z `¾{à`m ^aV E Ama {ZË`mZ§X_amHo$e Ho$ ~OmO E H¥$îUZ Eg Ho$ O¡Z a_U amd E dr O`§V Hw$_ma Q>r Eg Zm`H$ xiv
  19. 19. dm{f©H$ [anmoQ>© 2010-11H$_©Mmar H$m Zm_ nX boIm {d^mJamO Hw$_ma e_m© Cn {ZXoeH$ Ed§ grEAmo_hoe AJ«dmb d[að> ghm`H$ {ZXoeH$í`m_ gwÝXa _whmHw$§S> H${Zð> A{YH$marnr. _Ow_Xma H${Zð> A{YH$margZrWm Ho$ E ghm`H$ {~_m§H$Z {d^mJOo. _rZm Hw$_mar g§`wº$ {ZXoeH$Eg nr MH«$~moVu Cn {ZXoeH$à^mV Hw$_ma _¡Vr Cn {ZXoeH$Oo A{ZVm Cn {ZXoeH$Eo.dr. amd Cn {ZXoeH$EZ.Eg.Ho$. à^mH$a Cn {ZXoeH$gr. lr{Zdmg Hw$_ma Cn {ZXoeH$gwOZ B{Q>`ma d[að> ghm`H$ {ZXoeH$Eg. H$m{V©Ho$` e_m© ghm`H$ {ZXoeH$E_ ~r dr EZ _w{V© ghm`H$ {ZXoeH$S>r EZ Ho$ Eb EZ Ho$ MH«$dVu ghm`H$ {ZXoeH$`moJrVm amdV ghm`H$ {ZXoeH$bú_r Ama. {n„B© H${Zð> A{YH$mar~r. gmo_oída amd H${Zð> A{YH$marA{_V lrdmñVd ghm`H$eaV MÝÐm ghm`H$gwOmo` gmhm ghm`H$ àemg{ZH$ Ed§ EM Ama {d^mJ_wHo$e e_m© g§`wº$ {ZXoeH$-(àemgZ)Oo. _rZm Hw$_mar g§`wº$ {ZXoeH$-(EMAma)~r amKdZ d[að> ghm`H$ {ZXoeH$ (àemgZ)E. gJrZm ghm`H$ {ZXoeH$ - (EMAma)S>r lr{Zdmg _w{V© ghm`H$ {ZXoeH$ (AÜ`j Ho$ {ZOr g{Md)E. am_m gwYra H${Zð> A{YH$marAma. g§JrVm H${Zð> A{YH$mar (H$m`©H$mar {ZXoeH$-àemgZ Ho$ {ZOr g{Md){d.Eg. ZaoÝÐ MÝX«m H${Zð> A{YH$mar (AÜ`j Ho$ {ZOr g{Md){ed àgmX `oX²Xwþ ghm`H$ - (EM Ama)BÝÐ{Xn emh ghm`H$ - (àemgZ)AZwamJ ~mOnoB© ghm`H$ EoOÝQ>m| Ed§ EQ>rAmB {d^mJg§Ord Hw$_ma O¡Z g§`wº$ {ZXoeH$J§S>r d|H$Q> a_Um ghm`H$ Cn^moº$m _m_bo {d^mJ`¾{à`m ^aV g§`wº$ {ZXoeH$Eo H¥$îUU g§`wº$ {ZXoeH$Q>r. d|H$Q>ídam amd Cn {ZXoeH$Ho$. lr{Zdmg ghm`H$ {ZXoeH$_ZmoO Hw$_ma Agrdmb ghm`H$ {ZXoeH$H$_b Mm¡bm ghm`H$ {ZXoeH$Xmo_bm aOZrH$mÝV ghm`H$ xv
  20. 20. dm{f©H$ [anmoQ>© 2010-11{dZ` Hw$_ma _V§Jr ghm`H$ZraO _Zr {ÌnmR>r ghm`H$ {dÎm Ed§ boIm {d^mJS>m°. __Vm gyar g§`wº$ {ZXoeH$amOHw$_ma e_m© Cn {ZXoeH$Ho$. àgmX amd Cn {ZXoeH$Aå_w d|H$Q> a_Zm Cn {ZXoeH$~r nÙOm d[að> ghm`H$ {ZXoeH$Ho$. AmZÝX amd ghm`H$ {ZXoeH$S>m°. a{dÝXa H$m¡a ghm`H$ {ZXoeH$AmH$m§jm Jwám ghm`H$ {ZXoeH$_mohå_X A`mO ghm`H$ {ZXoeH$Or. am_~m~w ghm`H$ {ZXoeH$E Ho$ed amd H${Zð> A{YH$mar(gXñ`-{dÎm Ed§ {Zdoe Ho$ {ZOr g{Md)Xm{gH$m Eg _wabr _mohZ ghm`H$A_ra hgZ ghm`H$~mo„m ~mbH¥$îUm ghm`H${ÌbmoH$s ZmW ghm`H$ {dÎm Ed§ {Zdoe {d^mJEg.EZ. O`qg÷Z g§`wº$ {ZXoeH$Ama. Hw$_ma Cn {ZXoeH$Ama. C_m _hoídar d[að> ghm`H$ {ZXoeH$h{e©Vm _hoídar ghm`H$ {ZXoeadrÝÐ Xmg ghm`H$amHo$e gamoX` ghm`H$ ñdmñÏ` {d^mJOo. _rZm Hw$_mar g§`wº$ {ZXoeH$Ho$ Or nr Eb a_mXodr Cn {ZXoeH$EZ E_ ~oham Cn {ZXoeH${Z{_fm lrdmñVd d[að> ghm`H$ {ZXoeH$O_wZm Mm¡Yar ghm`H$ {ZXoeH$_w{V© bú_r Za{gåhm Xmgar ghm`H$ {ZXoeH$ ~r_m gyMZm {d^mJE_ Eg O`mHw$_ma Cn {ZXoeH$E_. _YwgwXZ ghm`H$ {ZXoeH$ñdmVr ~OmO ghm`H$ {ZXoeH$_wHo$e Ho$dba_Ur ghm`H$ {ZXoeH$Ho$ Eb EZ amKd Hw$_ma ghm`H$ gyMZm E§d àmÚmo{JH$s {d^mJE Ama {ZË`mZ§X_ g§`wº$ {ZXoeH$XrnH$ IÞm Cn {ZXoeH$XrnH$ Jm`H$dmS> Cn {ZXoeH$g§O` Hw$_ma d_m© Cn {ZXoeH$ZaoÝÐ qgh ghm`H$ {ZarjU {d^mJE_. nw„m amd d[að> g§`wº$ {ZXoeH$Q>r Eg Zm`H$ g§`wº$ {ZXoeH$Or Ama gw`© Hw$_ma Cn {ZXoeH$ xvi
  21. 21. dm{f©H$ [anmoQ>© 2010-11gwaoe Zm`a d[að> ghm`H$ {ZXoeH$ZÝXZ Hw$_ma ghm`H$ {ZXoeAma. nmXm© gmaYr ghm`H$ {ZXoeH$^mñH$a nr H$S>H$^mdr ghm`H$ {ZXoeH$Amerf Hw$_ma ^maVr ghm`H$ {ZXoeH$A{Zb Hw$_ma WmQ>rn„r ghm`H$ {ZXoeH$Or {edam_H¥$îUm ghm`H$ {ZXoeH${Zboe Jwám ghm`H$ {ZXoeH$^mŠga WuVam_U ghm`H$ {ZXoeH$g§Vmof Hw$_ma {_lm ghm`H$ {ZXoeH$nr. H$mÝVlr H${Zð> A{YH$mar (d[að> g§`wº$ {ZXoeH$ {ZOr g{Md) _Ü`dVu {d^mJgwaoe _mWwa d[að> g§`wº$ {ZXoeH$a_Um amd AX§H$s g§`wº$ {ZXoeH$Ho$. _hrnmb aoÈ>r Cn {ZXoeH$lXwb gwaoe AS>_mZo d[að> ghm`H$ {ZXoeH$_mV§Jr g[aVm ghm`H$ {ZXoeH$S>r. kmZm àgwÞm ghm`H$ {ZXoeH$ZrVw emhXmXnwar ghm`H$ {ZXoeH$amOoída Jm§Jwbm ghm`H$ {ZXoeH$ - H$mnm}Q> EOoÝQ>_Zrf {_lm ghm`H$ {ZXoeH$ - H$mnm}Q> EOoÝQ>{d.{d.EZ {H$aU Hw$_ma e_m© ghm`H$ H$mZyZ {d^mJ_wHo$e Hw$_ma ghm`H$ {ZXoeH$ - AmaQ>rAmB©nr. hr_m{H$aU ghm`H$ {ZXoeH$Eg. X{jZm_w{V© ghm`H$ {ZXoeH$Abr_ Am$mH$ ghm`H$ {ZXoeH$ nwñVH$mb`~r.EM. gw`©Zmam`U emór ghm`H$ OrdZ {d^mJdr. O`§V Hw$_ma g§`wº$ {ZXoeH$gwXrám ^Å>mMm`© Cn {ZXoeH$S>rdrEg a_oe Cn {ZXoeH$EM ~m~w `moJre ghm`H$ {ZXoeH$Ama b{bVm Hw$_mar ghm`H$ {ZXoeH$Ho$. lrYa amd ghm`H$ {ZXoeH$dr {MÌm ghm`H$ {ZXoeH$~r AéUm H${Zð> A{YH$mar J¡a OrdZ {d^mJaUXrn qgh OJnmb g§`wº$ {ZXoeH$gwYm am_mZwO_ Cn {ZXoeH$n§H$O Hw$_ma Vrdmar Cn {ZXoeH${ejm gmhm d[að> ghm`H$ {ZXoeH$Á`mo{V ^mJV ghm`H$ {ZXoeH$gw{ZVm EZ.dr.Eg ghm`H$ {ZXoeH$Ho$. lrYa ghm`H$ {ZXoeH$gr EM ~r MÝÐeoIa amd ghm`H$ {ZXoeH${dH$mg O¡Z ghm`H$ {ZXoeH$g§O` _mohZ em_© ghm`H$ {ZXoeH$ xvii
  22. 22. dm{f©H$ [anmoQ>© 2010-11na_oída Eb. amd erëHo$ ghm`H$ {ZXoeH$lrhar A„_eoÅ>r ghm`H$ {ZXoeH$~r Eg d|H$Q>oe H${Zð> A{YH$marE_ Eb gm¡OÝ`m H${Zð A{YH$mar (gXñ` J¡a OrdZ ~r_m Ho$ {ZOr g{Md)VmQ>r {H$aU ghm`H$AmH$me S>§Jdma ghm`H$ amO^mfm {d^mJ{d. O`§V Hw$_ma g§`wº$ {ZXoeH$ AZwg§YmZ Ed§ {dH$mg {d^mJ_wÝer E_ {ZOm_wÔrZ ghm`H$ {ZXoeH$BpíV`mH$ Amb_ ghm`H$ gVH©$Vm {d^mJ_wHo$e e_m© g§`wº$ {ZXoeH$ {X„r H$m`m©b`amHo$e Ho$ ~OmO g§`wº$ {ZXoeH$A{Zb Hw$_ma AamoS>m Cn {ZXoeH$_§Ow AamoS>m d[að> ghm`H$ {ZXoeH$h[a H${Zð> A{YH$marewenmb ghm`H$eernmb [aH$m°S>© ŠbmH©$ à{V{Z`wº$ na A{YH$marEM AmZ§WH¥$îUZ AmoEgS>r-H$mZyZrS>m° Ama Ho$ {gÝhm AmoEgS>r-Ama.EÝS>§.S>rdr gmB© Hw$_ma AmoEgS>r-OrdZEg dr hoJ‹S>o AmoEgS>r-OrdZAma lr{ZdmgZ AmoEgS>r-J«mhH$ _m_bo~r dr emór AmoEgS>r-{ZarjUamOoe AmoEgS>r-{ZarjUlr{Zdmg AmoEgS>r-{ZarjUdr gdm}Îm_wSw> AmoEgS>r-{ZarjUdr gË` lr{Zdmg AmoEgS>r-{ZarjU{dH$mg Hw$_ma AmoEgS>r-AmB© AmB© ~rXodoÝXa Hw$_ma AmoEgS>r-AmB© AmB© ~r{dH$mg Eg. amZo AmoEgS>r-AmB© AmB© ~rQ>r am_~m~w AmoEgS>r-_Ü`dVu~r dr gy`©Zmam`Um AmoEgS>r-AmaQ>rAmB©{d Ho$ {gÝhm AmoEgS>r-AmB© AmB© ~rMÝÐeoIa ~r nr.Eg-gXñ` (OrdZ)Amerf gmoZr AmoEgS>r AZw~§Y`y Odmhabmb g§nmXH$, AmB©AmaS>rE OZ©b AmB©AmaS>rE Ho$ A{YH$mar AÝ` g§JR>Zm| _| à{V {Z`wº$Aén MQ>Ou g§`wº$ {ZXoeH$ xviii
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  27. 27. dm{f©H$ [anmoQ>© 2010-11H$s nmÌVm hoVwê$naoIm {ZYm©[aV H$aVo h¢ & `o {d{Z`_ OrdZ ~r_m àñVwV H$a| & Cº$ {dÎmr` pñW{V [anmoQ>© H$m CXo²X²í` _yë`m§H$Z H$sH§$n{Z`m| Ho$ {bE {d{eï> àH$Q>rH$aU ^r {ZYm©[aV H$aVo h¢ Omo àñVmd VmarI H$mo ì`dgm` Ho$ dV©_mZ I§S> Ho$ {díbofU H$mo gwgmÜ` ~ZmZm h¡XñVmdoO H$m ^mJ ~Z|JoŸ& {Oggo CZ MwZm¡{V`m| H$mo ñnï> ê$n go àH$Q> {H$`m Om gHo$ {OZH$m gm_Zm ~r_mH$Vm© AnZr emoYj_Vm H$s Amdí`H$VmE± nyar H$aZo, AnZr22. `o {d{Z`_ ^maVr` à{V^y{V Am¡a {d{Z`_ ~moS>© (go~r) Ho$ gmW bm^àXVm Am¡a AÝ` Omo{I_m| AWm©V² é½UVm, Mb{Z{Y, F$U Am¡anam_e© H$s à{H«$`m Ho$ AmYma na V¡`ma {H$`o J`o h¡Ÿ& àH$Q>rH$aU Am¡a ì``, {Zdoe à{Vbm^, AmpñV-Xo`Vm Ag§VwbZ, Am{X Ho$ ê$n _|boIm§H$Z _mZH$m| g§~Yr go~r g{_{V (ñH$moS>m) Ho$ Cn-Xb Zo A§Vamï´>r` § H$aVo h¢Ÿ& `h AZw^d AJbo EH$ df© Ho$ {bE BZ _mZX§S>m| na ~r_mH$Vm©gdm}Îm_ àWmAm| Ho$ AmYma na ~r_m H§$n{Z`m| Ho$ g§~§Y _| àH$Q>rH$aU H$s pñW{V H$mo ^r {Z{X©ï> H$aoJmŸ& Bg nhb Ho$ gmW àm{YH$aU Zo OrdZH$s Amdmí`H$VmAm| H$mo A§{V_ én {X`m WmŸ& Cº$ Cn-Xb H$s [anmoQ>© ~r_m H§$n{Z`m| go AmJo Bg àH$ma H$s {anmo{Q>ªJ Ho$ Xm`ao _| J¡a-OrdZH$mo ñH$moS>m Ûmam Am¡a VËnümV² go~r Ho$ ~moS>© Ûmam ñdrH$ma {H$`m J`mŸ& ~r_mH$Vm©Am| H$mo ^r bmZo Ho$ {bE {dÎmr` pñW{V [anmoQ>© H$s àñVw{V Ho$`o {g$m[ae| A~ àH$Q>rH$aU H$s AnojmAm| Ho$ {bE AmYma ~ZVr h¡ Omo g§~Y _| AnZo A{YXoe H$m {dñVma {H$`m h¡ &Cº$ {d{Z`_m| _| {ZYm©[aV H$s JB© h¢Ÿ& àm{YH$aU {$bhmb OrdZ ~r_mH§$n{Z`m| Ûmam ny±Or ~mOmam| go {Z{Y`m± OwQ>mVo g_` ny±Or Ho$ {ZJ©_ Am¡a AmB©E$AmaEg Ho$ H$m`m©Ýd`Z g§~§Yr nhb:{ddaU-nÌ Ho$ XñVmdoO _| àH$Q>rH$aUm| Ho$ {bE {d{Z`_ A{Ygy{MVH$aZo H$s à{H«$`m _| h¡ & 26. 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  28. 28. dm{f©H$ [anmoQ>© 2010-11S>mQ>m do`ahmCg: CËnmX {d{Z`m_mdbr 2010 Ho$ {dVaU hoVw S>mQ>m~og Ho$ AmXmZ- àXmZ H$mo àm{YH$aU Ûmam 1 OwbmB©, 2010 H$mo A{Ygy{MV {H$`m29. ~r_m H§$n{Z`m| Ho$ à^mdr H$m`©g§MmbZ Ho$ {bE Am¡a gmW hr J`m & H§$nZr A{Y{Z`_, 1956 Ho$ A§VJ©V J{R>V Am¡a n§OrH¥$V H§$n{Z`m±nm{bgrYmaH$m| Ho$ {hVm| H$s ajm Ho$ {bE boZXoZ g§~§Yr {dœgZr`, Ed§ joÌr` J«m_rU ~¢H$ AWdm ghH$mar ~¢H$ Omo H$manmoaoQ> EO|gr J«hUgm_{`H$ Am¡a ghr S>mQ>m g§JhU, àg§ñH$aU Am¡a àgmaU Amdí`H$ « H$aZo Ho$ {bE nmÌ Zhr h¡, A~ g§àofU ([a$ab) H§$nZr Ho$ ê$n _|h¡, ~r_m gyMZm H|$Ð (AmBAmB~r), Omo AmBAmaS>rE Ûmam J{R>V EH$ AmdoXZ H$aZo Ho$ {bE nmÌ h¡Ÿ& EH$ g§àofU H§$nZr Ho$ AZw_moXZ H$s _m±Jnam_e©XmÌr {ZH$m` h¡, ~r_mH$Vm©Am| go boZXoZ ñVa Ho$ Am§H$‹S>m| H$m H$aZo Ho$ {bE ~r_m H§$nZr Ûmam àm{YH$aU H$mo AmdoXZ àñVwV {H$`mg§JhU H$aVm h¡Ÿ& AmBAmB~r gy_Mo CÚmoJ Ho$ Am§H$‹S>m| Ho$ {bE A{YH$m[aH$ « OmZm Mm{hEŸ& g§àofU H§$n{Z`m| H$mo Ho$db CZHo$ J«mhH$m| H$s nyd© gh_{Vg§X^© Ho$ EH$b ñWmZ Ho$ ê$n _| H$m`© H$aVm h¡ VWm `h gw{ZpíMV Ho$ gmW hr CZHo$ S>mQ>~og H$m AmXmZ àñVwV {H$`m OmZm Mm{hEŸ&H$aVm h¡ {H$ VËH$mb {ZU©` boZo Ho$ {bE ~mOma Ho$ {d{^Þ {Ibm{‹S>`m|,AZwg§YmZH$Vm©Am|, nm{bgrYmaH$m| Am¡a Am_ OZVm H$mo Am§H$‹S>o CnbãY 33. àm{YH$aU Zo g^r ~r_m H§$n{Z`m| H$mo g^r _m¡OyXm g§àolfjUhmoŸ& AmBAmB~r _moQ>a, ñdmñÏ` Am¡a ì`dgm` H$s AÝ` ì`dñmWmAm| ì`dñWmAm| H$mo g_má H$aZo Ho$ {bE ^r gy{MV {H$`m h¡ Omo AmBAmaS>rEHo$ g§~§Y _| Amd{YH$ [anmoQ>© àH$m{eV H$aVm h¡Ÿ& (~r_m {dkmnZ Am¡a àH$Q>rH$aU {d{Z`_mdbr, 2000) Ho$ {d{Z`_ 2(gr) Ho$ Cn~§Ym| Ed§ {d{Z`_ 10(1)(4) Ho$ Xygao na§VwH$ Ho$ AmYma30. {dÎmr` df© 2010-11 go AmBAmB~r Zo g^r ~r_mH$Vm©Am| go na H$s JB© h¡ {OÝho N>mo‹S> {X`m J`m h¡Ÿ& ~r_m H§$n{Z`m| H$mo AmJo `h ^rboZXoZ g§~§Yr Am§H$‹S>o (_moQ>a, ñdñÏ`, A{¾, g_wX«r Am¡a B§Or{Z`[a¨J) gy{MV {H$`m J`m h¡ {H$ do CZ g^r dV©_mZ g§àofU ([a$ab) ì`dñWmE±Am°ZbmB©Z _mS> go g§J¥hrV H$aZm àma§^ {H$`m h¡Ÿ& Am°ZbmBZ Am§H$‹S>m| g_má H$a| Omo ~r_m CËnmX {dVaU Ho$ {bE S>mQ>m~og AmXmZ-àXmZH$m g§JhU _m{gH$ AmYma na do~mgmBQ>: www.iib.gov.in. 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  29. 29. dm{f©H$ [anmoQ>© 2010-11nm{bgrYmaH$ H$s gwajm Ho$ à{V nhbo: H$s nhMmZ, dJuH$aU, Ý`yZrH$aU Am¡a {anmo{Q>ªJ Ho$ {bE ì`mnH$ ê$naoIm {ZYm©[aV H$aZo _| à`mgaV h¡Ÿ& `h ê$naoIm YmoImY{‹S>`m| Ho$ g§~§Y _|35. nm{bgrYmaH$m| Ho$ {hVm| H$s ajm H$aZo Ho$ CÔoí` go AmBAmaS>rE Zo AnZo S>mQ>m Am¡a AZw^d H$m AmXmZ-àXmZ H$aZo _| CÚmoJ Ho$ {bEAnoH$ nhb| H$s h¡Ÿ& XyañW {dnUZ go g§~§[YV {Xem{ZX}e AmBAmaS>rE g§X^© ñWbm| Ho$ ê$n _| à`wº$ hmoZo Ho$ {bE S>mQ>m~ogm| Ho$ {Z_m©U hoVwÛmam Omar {H$`o J`o h¡ Omo XyañW {dnUZ H$s {d{Y, àm¡Úmo{JH$s _| CÞ{V OrdZ Am¡a J¡a-OrdZ ~r_m n[afXm| H$mo ^r àmoËgm{hV H$aoJrŸ&Ho$ EH$ n[aUm_, H$m à`moJ H$aVo hþE JbV {dH«$` H$aZo g§~§Yr MwZm¡{V`m| ~r_mH$Vm©Am| H$mo `h gw{Z{üV H$aZm Mm{hE {H$ Bg àH$ma H$s YmoImY‹S>rH$m g_mYmZ H$aVo h¢Ÿ& EH$ Amoa Ohm± ZB© Am¡a Vrd«Va ga{U`m| Ho$ hmoZo Ho$ à`mgm| H$mo {ZH$mb XoZo Ho$ {bE EH$ à^mdr ì`dñWm H$m`_ H$s OmEHo$ bm^ àmá H$aZo H$s Amdí`H$Vm h¡, dht Xygar Amoa CZHo$ Ûmam Vm{H$ Xmdm AZwnmV A{YH$ ñdñW én _| aho Ÿ&{Z{_©V {H$`o J`o ~Mmd Ho$ amñVm| H$mo ~§X H$a XoZm Oê$ar h¡ Am¡a R>rH$`hr BZ {Xem{ZX}em| H$m CÔoí` h¡Ÿ& AmBAmaS>rE Zo OrdZ ~r_m nm{b{g`m| Omar {dkmnZm| _| nmaX{e©Vm:Ho$ gmVË` Ho$ {bE EO|Q>m| H$mo {Xem{ZX}e Omar {H$`o h¡ {Oggo `hgw{Z{üV {H$`m Om gHo$ {H$ EO|Q>m| Ûmam nm{b{g`m| Ho$ g§~§Y _| godm 38. 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