Date: 2019-01-09 Category: Not Applicable State: Union Government Country: India

Annual Report 2017-18

Issued by Insurance Regulatory And Development Authority · Not Applicable

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Executive Summary & Key Takeaways

                    **Executive Summary**
The document is an annual report by the Insurance Regulatory and Development Authority of India (IRDAI) for the fiscal year 2017-18. It details the performance of the Indian insurance market, IRDAI's regulatory and developmental activities, and organizational matters. The report transmits the report to the Department of Financial Services, Ministry of Finance, with a reference number (101/8/R&D/SD/AR-2017-18/01) and a date of November 28, 2018.

**Key Points / Main Content**

*Policies and Programs:*
    *   Overview of the general economic environment, world insurance scenario, and appraisal of the Indian insurance market.
    *   Review of policyholders' interests protection, solvency margins, and monitoring of reinsurance and insurer investments.
    *   Discussion on health insurance, business in rural and social sectors, financial reporting, actuarial standards, AML/CFT, crop insurance, and micro-insurance.
    *   Overview of directions, orders, and regulations issued by the Authority and the Right to Information Act, 2005.

*Review of Working and Operations:*
    *   Regulation of insurance and reinsurance companies, individual agents, and intermediaries.
    *   Information on professional institutes connected with insurance education and international cooperation.
    *   Discussion of grievances, insurance associations, insurance councils, and the Insurance Ombudsman.

*Statutory and Developmental Functions of the Authority:*
    *   Processes for issuing, renewing, modifying, withdrawing, suspending, or canceling certificates of registration.
    *   Protecting policyholder interests in areas such as policy assignment, nomination, insurable interest, claim settlement, surrender value, and contract terms.
    *   Specifying qualifications, codes of conduct, and practical training for intermediaries and agents.
    *   Promoting efficiency in insurance operations.
    *   Regulating professional organizations connected to insurance and reinsurance.
    *   Levying fees and other charges.
    *   Calling for information and conducting inspections, inquiries, and investigations.
    *   Specifying accounting practices for insurers and intermediaries.
    *   Regulating investments and solvency margins.
    *   Adjudicating disputes between insurers and intermediaries.
    *   Specifying premium income percentages for financing professional organization schemes.
    *   Specifying percentages for life and general insurance business in rural and social sectors.

*Organizational Matters:*
    *   Details of organization of IRDAI, Meetings of the Authority, Human Resources, Internal Commitee for woman employees, Rajbhasha, Research and Development, Status of IT, Accounts, The IRDAI journal, IRDAI office building and Acknowledgements.

**Impact Analysis**
**Department of Financial Services, Ministry of Finance**

*   **Impact:** Receives a copy of the annual report.
*   **Action Required:** Review the report for oversight of insurance authority performance.

**Insurance Companies:**

*   **Impact:** Must adhere to the standards and regulations set forth in the report, which include items related to protecting policy holders and the conducting of business. The total number of General Insurance companies operating in India and some more insights on the Life and non Life and their financial and operational information.
*   **Action Required:** Implement the new regulatory changes and provide required information to the authority. Ensure compliance with all obligations as outlined in the report.

**Intermediaries / Agents / Other Stakeholders:**

*   **Impact:** Subject to rules and guidelines regarding professional conduct, training, and other operational aspects. Various professional bodies, domestic and foreign organizations of the market stakeholders.
*   **Action Required:** Comply with regulations and guidelines, ensuring qualified personnel and ethical business practices.
                

Key Entities Referenced

Insurance Regulatory and Development Authority of India (IRDAI): The primary entity regulated by the policy. Insurance Act, 1938: Referenced act governing insurance. IRDAI (Assets, Liabilities and Solvency Margin of Insurers) Regulations, 2000: Regulation that establishes a solvency margin. IRDAI (Insurance Brokers) Regulations: Regulations overseeing Insurance Brokers Financial Stability Board (FSB): International body that oversees Financial Stability.

Official Source Record View Original Source →

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LETTER OF TRANSMITTAL
Ref. No. 101/8/R&D/SD/AR-2017-18/01/Nov-18 2sth November, 2018
The Secretary,
Department of Financial Services, Ministry of Finance
3rd Floor, Jeevan Deep Building, Parliament Street
New Delhi - 110 001
Sir,
In accordance with the provisions of Section 20 of the Insurance Regulatory and
Development Authority Act, 1999, we are sending herewith a copy of the Annual
Report of the Authority for the financial year ended 31st March, 2018 in the format
prescribed in the !RDA (Annual Report - Furnishing of returns, statements and
other particulars) Rules, 2000.
Yours faithfully,
~
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(Dr. Subhash C. Khuntia)
Chairman
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.54 ~r_m joÌ Ho$ Hw$b {Zdoe ...... 50
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.55 OrdZ ~r_mH$Vm©Am| Ho$ Hw$b {Zdoe : loUr-dma ...... 50
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.56 OrdZ ~r_mH$Vm©Am| Ho$ {Zdoe : {Z{Y-dma ...... 51
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.57 {Zdoem| H$s d¥{Õ : {Z{Y-dma ...... 51
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.58 gmYmaU, ñdmñÏ` Am¡a nwZ~u_mH$Vm©Am| Ho$ Hw$b {Zdoe : loUr-dma ...... 52
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.59 ñdmñÏ` ~r_m àr{_`_ H$s àd¥{Îm (d¡`{º$H$ XwK©Q>Zm Am¡a `mÌm ~r_m ì`dgm` H$mo N>mo‹S>H$a) ...... 53
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.61 ñdmñÏ` ~r_m H$o AV§ JV© gpå_{bV ì`{º$`m | H$s g»§ `m (d`¡ {º$H$ XKw Q© >Zm Ama¡ `mÌm ~r_m ì`dgm` H$m o N>mS‹o >H$a) ...... 54
I
.62 ñdmñÏ` ~r_m Ho$ A§VJ©V ì`dgm` H$m dJ©-dma {Zdb CnJV Xmdm AZwnmV
I
(d¡`{º$H$ XwK©Q>Zm Am¡a `mÌm ~r_m ì`dgm` H$mo N>mo‹S>H$a) ...... 55
.63 ñdmñÏ` ~r_m Ho$ A§VJ©V joÌ-dma {Zdb CnJV Xmdm AZwnmV (d¡`{º$H$ XwK©Q>Zm
I
Am¡a `mÌm ~r_m ì`dgm` H$mo N>mo‹S>H$a) ...... 55
.64 d¡`{º$H$ XwK©Q>Zm ~r_m ì`dgm` Ho$ A§VJ©V gpå_{bV ì`{º$`m| H$s g§»`m joÌ-dma ...... 56
I
.65 gaH$ma àm`mo{OV Hw$N> à_wI `moOZmAm| Ho$ A§VJ©V gpå_{bV ì`{º$`m| H$s g§»`m
I
Ama¡ gH$b àË`j àr{_`_ ...... 56
.66 joÌ-dma d¡`{º$H$ XwK©Q>Zm ~r_m àr{_`_ ...... 56
I
.67 joÌ-dma {dXoe `mÌm ~r_m àr{_`_ ...... 57
I
.68 joÌ-dma Xoer `mÌm ~r_m gH$b àr{_`_ ...... 57
I
.69 {dXoem| _| {H$`m J`m ñdmñÏ` ~r_m ì`dgm` ...... 58
I
.70 ñdmñÏ` ~r_m àr{_`_ _| erf©ñW 5 amÁ`m| H$m A§e ...... 58
I
.71 {dVaU Ho$ {d{^Þ _mÜ`_m| H$m A§e Omar H$s JB© nm°{b{g`m| H$s g§»`m Am¡a ñdmñÏ` ~r_m àr{_`_
I
H$s am{e (d¡`{º$H$ XwK©Q>Zm Am¡a `mÌm ~r_m ì`dgm` H$mo N>mo‹S>H$a) ...... 59
.72 AÝ` nj à~§YH$m| (Q>rnrE) Ho$ _mÜ`_ go g§^mbo J`o Xmdo ...... 60
I
.73 ~r_mH$Vm©Am| Ûmam grYo g§^mbo J`o Xmdo ...... 60
I
.74 XmoZm| AÝ` nj à~§YH$m| (Q>rnrE) Am¡a Am§V[aH$ ê$n go g§^mbo J`o Xmdo ...... 61
I
.75 AÝ` nj à~§YH$m| (Q>rnrE) Ho$ _mÜ`_ go ~r_mH$Vm©Am| Ûmam {ZnQ>m`o J`o Xmdm| H$s Ad{Y H$m {ddaU ...... 61
I
.76 Am§V[aH$ ê$n go ~r_mH$Vm©Am| Ûmam {ZnQ>m`o J`o Xmdm| H$s Ad{Y H$m {ddaU ...... 62
I
.77 XmoZm| AÝ` nj à~§YH$m| (Q>rnrE) Ho$ _mÜ`_ go Am¡a Am§V[aH$ ê$n go ~r_mH$Vm©Am|
I
Ûmam {ZnQ>m`o J`o Xmdm| H$s Ad{Y H$m {ddaU ...... 62
.78 ñQ¢>S>-AbmoZ ñdmñÏ` ~r_mH$Vm©Am| Ho$ H$m`m©b`m| H$s g§»`m ...... 63
I
.79 ñQ¢>S>-AbmoZ ñdmñÏ` ~r_mH$Vm©Am| Ho$ H$m`m©b`m| H$m ñVa-dma {dVaU ...... 64
I
.80 H$m`m©b`m| H$s g§»`m Ho$ Adamohr H«$_ _| ì`dpñWV ñQ¢>S>-AbmoZ ñdmñÏ` ~r_mH$Vm©Am| Ho$ H$m`m©b`m|
I
H$s amÁ`-dma g§»`m ...... 65
.81 ñQ¢>S>-AbmoZ ñdmñÏ` ~r_mH$Vm©Am| Ho$ H$m`m©b`m| go `wº$/ a{hV {Obm| H$s amÁ`-dma g§»`m ...... 65
I
.82 AÝ` nj à~§YH$m| (Q>rnrE) H$s gyMr ...... 68
I
.83 ZdrH¥$V Q>rnrE n§OrH$aUm| H$s gyMr ...... 69
I
.84 AÝ` nj à~§YH$m| (Q>rnrE) Ûmam gyMr~Õ ZoQ>dH©$ AñnVmbm| g§~§Yr gyMZm ...... 70
I
.85 Z`o ì`dgm` go OrdZ ~r_mH$Vm©Am| H$m ñdmñÏ` ì`dgm` ({Z`{_V Am¡a EH$b àr{_`_
I
nm°{b{g`m| go àW_ df© àr{_`_) ...... 71
.86 ZdrH$aU ì`dgm` go OrdZ ~r_mH$Vm©Am| H$m ñdmñÏ` ì`dgm`
I
({Z`{_V àr{_`_ nm°{b{g`m| go ZdrH$aU àr{_`_) ...... 71
.87 OrdZ ~r_m CËnmXm| Ho$ gmW g§~Õ ñdmñÏ` AZwd¥{Õ`m| (amBS>g©) Ho$ g§~§Y _| Z`m ì`dgm` ...... 71
I
.88 OrdZ ~r_m CËnmXm| Ho$ gmW g§~Õ ñdmñÏ` AZwd¥{Õ`m| (amBS>g©) Ho$ g§~§Y _| ZdrH$aU ì`dgm` ...... 71
I
.89 ñdmñÏ` ~r_m CËnmXm| Ho$ g§~§Y _| OrdZ ~r_mH$Vm©Am| Ûmam g§^mbo J`o Xmdm| H$m {ddaU ...... 72
I
.90 ñdmñÏ` ~r_m AZwd¥{Õ`m| (amBS>g©) Ho$ g§~§Y _| OrdZ ~r_mH$Vm©Am| Ûmam g§^mbo J`o Xmdm| H$m {ddaU ...... 72
I
.91 J«m_rU Am¡a gm_m{OH$ Xm{`Ëdm| Ho$ g§~§Y _| gmYmaU ~r_mH$Vm©Am| (ñQ¢>S>AbmoZ Am¡a
I
{deofrH¥$V ~r_mH$Vm©Am| H$mo N>mo‹S>H$a) H$m AZwnmbZ ...... 74
.92 J«m_rU joÌ Xm{`Ëdm| Ho$ g§~§Y _| ñQ¢>S>AbmoZ ñdmñÏ` ~r_mH$Vm©Am| H$m AZwnmbZ ...... 74
I
ixdm{f©H$ [anmoQ©>
2017-18
n¥ð> g§.
.93 gm_m{OH$ joÌ Xm{`Ëdm| Ho$ g§~§Y _| ñQ¢>S>AbmoZ ñdmñÏ` ~r_mH$Vm©Am| H$m AZwnmbZ ...... 75
I
.94 àYmZ _§Ìr μ\$gb ~r_m `moOZm (nrE_E\$~rdmB©) Am¡a nwZ…g§a{MV _m¡g_ AmYm[aV
I
μ\$gb ~r_m `moOZm (AmaS>ãë`y~rgrAmB©Eg) Ho$ A§VJ©V ~r_m àr{_`_ H$s Xa ...... 80
.95 {dÎmr` df© 2017-18 Ho$ Xm¡amZ μ\$gb ~r_m ...... 81
I
.96 gyú_ ~r_m g§{d^mJ Ho$ A§VJ©V Z`m ì`dgm` ...... 83
I
.97 OrdZ ~r_mH$Vm©Am| Ho$ gyú_ ~r_m EO|Q>m| H$m {ddaU ...... 83
I
.98 OrdZ ~r_mH$Vm©Am| Ho$ gyú_ ~r_m EO|Q>m| H$m {ddaU ...... 83
I
.99 gyú_ ~r_m g§{d^mJ Ho$ A§VJ©V d¡`{º$H$ _¥Ë`w Xmdo ...... 84
I
.100 gyú_ ~r_m g§{d^mJ Ho$ A§VJ©V gm_y{hH$ _¥Ë`w Xmdo ...... 84
I
.101 gyú_ ~r_m d¡`{º$H$ loUr _| {ZnQ>m`o J`o Ad{Y-dma _¥Ë`w Xmdo ...... 84
I
.102 gyú_ ~r_m gm_y{hH$ loUr _| {ZnQ>m`o J`o Ad{Y-dma _¥Ë`w Xmdo ...... 85
I
.103 Ho$ÝÐr` OZ gyMZm A{YH$m[a`m| (grnrAmB©Amo) H$s gyMr ...... 86
I
.1 OrdZ ~r_mH$Vm©Am| Ho$ d¡`{º$H$ EO|Q>m| H$m {ddaU-joÌ-dma ...... 95
II
.2 OrdZ ~r_mH$Vm©Am| Ho$ d¡`{º$H$ EO|Q>m| H$m {ddaU ...... 95
II
.3 H$m°anmoaoQ> EO|Q>m| H$m {ddaU ...... 96
II
.4 OrdZ ~r_mH$Vm©Am| H$m d¡`{º$H$ Z`m ì`dgm` H$m`©{ZînmXZ _mÜ`_-dma ...... 96
II
.5 OrdZ ~r_mH$Vm©Am| H$m gm_y{hH$ Z`m ì`dgm` H$m`©{ZînmXZ _mÜ`_-dma ...... 98
II
.6 ~r_m {dnUZ \$_m] H$m ì`mdgm{`H$ H$m`©{ZînmXZ ...... 99
II
.7 ~r_m {dnUZ \$_m] H$m VwbZmË_H$ ì`mdgm{`H$ H$m`©{ZînmXZ ...... 99
II
.8 ~r_m {dnUZ \$_m] H$s amÁ`-dma CnpñW{V ...... 100
II
.9 gd}jH$m| Am¡a hm{Z {ZYm©aH$m| H$mo Omar {H$`o J`o bmBg|g ...... 102
II
.10 gd}jH$m| Am¡a hm{Z {ZYm©aH$m| go g§~§{YV {eH$m`V| ...... 102
II
.11 amÁ`-dma ~r_m Xbmbm| Ho$ n§OrH¥$V H$m`m©b` ...... 103
II
.12 àm{YH$aU Ûmam AZw_mo{XV do~ g§J«mhH$ ...... 111
II
.13 Xm`a {H$`o J`o H$mZyZr _m_bm| H$m {ddaU ...... 118
II
.14 {ZnQ>m`o J`o / Im[aO {H$`o J`o H$mZyZr _m_bm| H$m {ddaU ...... 118
II
.15 {eH$m`Vm| H$s pñW{V (AmB©OrE_Eg Ho$ AZwgma) : OrdZ ~r_mH$Vm© ...... 123
II
.16 {eH$m`Vm| H$s pñW{V : gmYmaU ~r_mH$Vm© ...... 124
II
.17 {eH$m`Vm| H$s J{V OrdZ ~r_mH$Vm© ...... 125
II
.18 {eH$m`Vm| H$s J{V gmYmaU ~r_mH$Vm© ...... 125
II
.19 {eH$m`Vm| H$s J{V CÚmoJ ...... 125
II
.20 b§{~V {eH$m`V| eyÝ` XO© H$aZodmbo ~r_mH$Vm© ...... 126
II
.21 S>rEAmanrOr nmoQ©>b _| n§OrH¥$V Am¡a
II
AmB©AmaS>rEAmB© H$mo ào{fV {eH$m`Vm| H$s àm{á Am¡a {ZnQ>mZ ...... 126
.22 AmB©AmaS>rEAmB© H$mo ào{fV {eH$m`V| ...... 127
II
.23 ~r_m bmoH$nmbm| Ho$ Ûmam {eH$m`Vm| H$m {ZnQ>mZ ...... 131
II
.24 ~r_m bmoH$nmb H$s gy{M joÌ / Ý`m` joÌdma ...... 132
II
.1 n§OrH¥$V {dXoer nwZ~u_mH$Vm©Am| H$s emImE± / g_yh, bm°`S²>g B§{S>`m H$s g{d©g H§$n{Z`m± ...... 135
III
.2 àm{YH$aU Ûmam AZw_mo{XV ~r_m ^§S>ma ([anmo{OQ>arμO) ...... 140
III
xdm{f©H$ [anmoQ©>
2017-18
MmQ©> n¥ð> g§.
.1 dV©_mZ H$s_Vm| na `mo{OV gH$b _yë` (OrdrE) 2017-18 _| joÌm| H$m A§e ...... 2
I
.2 M`{ZV Xoem| _| ~r_m ì`mnZ 2017 ...... 5
I
.3 M`{ZV Xoem| _| ~r_m gKZVm 2017 ...... 6
I
.4 ^maV _| ~r_m ì`mnZ ...... 7
I
.5 ^maV _| ~r_m gKZVm ...... 7
I
.6 OrdZ ~r_mH$Vm©Am| H$m Z`m ì`dgm` àr{_`_ ...... 9
I
.7 OrdZ ~r_mH$Vm©Am| H$m Hw$b àr{_`_ ...... 9
I
.8 5 df© Ho$ {bE OrdZ ~r_mH$Vm©Am| H$m Hw$b àr{_`_ ...... 9
I
.9 b§{~V Xmdm| H$m Ad{Y-dma {díbo{fV {ddaU d¡`{º$H$ nm°{b{g`m± ...... 17
I
.10 b§{~V Xmdm| H$m Ad{Y-dma {díbo{fV {ddaU gm_y{hH$ nm°{b{g`m± ...... 17
I
.11 OrdZ ~r_m H$m`m©b`m| H$s g§»`m ...... 20
I
.12 OrdZ ~r_mH$Vm©Am| Ho$ H$m`m©b`m| H$m ^m¡Jmo{bH$ {dVaU {ZOr joÌ ...... 20
I
.13 H$m`m©b`m| H$m ^m¡Jmo{bH$ {dVaU EbAmB©grAmB© ...... 20
I
.14 OrdZ ~r_mH$Vm©Am| Ho$ H$m`m©b`m| H$m ^m¡Jmo{bH$ {dVaU -- CÚmoJ ...... 20
I
.15 ^maV _| gH$b àË`j àr{_`_ Am` gmYmaU ~r_mH$Vm© ...... 22
I
.16 gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm©Am| H$m gH$b àË`j àr{_`_ ...... 22
I
.17 gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm©Am| Ûmam Omo{I_-A§{H$V àr{_`_ (^maV Ho$ A§Xa) I§S>-dma ...... 23
I
.18 gmYmaU ~r_mH$Vm©Am| Ho$ H$m`m©b`m| H$s g§»`m ñVa-dma ...... 34
I
.19 ñdmñÏ` ~r_m àr{_`_ H$s àd¥{Îm (d¡`{º$H$ XwK©Q>Zm Am¡a `mÌm ~r_m ì`dgm` H$mo N>mo‹S>H$a) ...... 53
I
.20 Hw$b àr{_`_ _| ñdmñÏ` ~r_m ì`dgm` Ho$ {d{^Þ dJm] H$m A§e ...... 54
I
.21 gpå_{bV ì`{º$`m| H$s g§»`m gpå_{bV Hw$b ì`{º$`m| _| ì`dgm` Ho$ {d{^Þ dJm] H$m A§e ...... 54
I
.22 ñdmñÏ` ~r_m ì`dgm` H$m {Zdb CnJV Xmdm AZwnmV (d¡`{º$H$ XwK©Q>Zm Am¡a
I
`mÌm ~r_m ì`dgm` H$mo N>mo‹S>H$a) ...... 55
.23 Hw$b ñdmñÏ` ~r_m àr{_`_ _| amÁ`m| H$m A§e ...... 58
I
.24 ñdmñÏ` ~r_m àr{_`_ _ | {d{^Þ _mÜ`_m | H$m Ae§ XmZ (d`¡ {º$H$ XKw Q© >Zm Ama¡ `mÌm ~r_m ì`dgm` H$m o N>mS‹o >H$a) ...... 59
I
.25 {nN>bo 4 df© _| ñQ¢>S>-AbmoZ ñdmñÏ` ~r_mH$Vm©Am| Ho$ H$m`m©b`m| H$s g§»`m ...... 63
I
.26 ñQ¢>S>-AbmoZ ñdmñÏ` ~r_mH$Vm©Am| Ho$ H$m`m©b`m| H$m ñVa-dma {dVaU ...... 64
I
.27 H$m`m©b`m| H$m ^m¡Jmo{bH$ dJuH$aU-dma {dVaU ñQ¢>S>-AbmoZ ñdmñÏ` ~r_mH$Vm© ...... 64
I
.28 ñQ¢>S>-AbmoZ ñdmñÏ` ~r_m H§$n{Z`m| Ho$ H$m`m©b`m| H$m amÁ`-dma {dVaU ...... 67
I
.1 {ZOr OrdZ ~r_mH$Vm©Am| H$m d¡`{º$H$ Z`m ì`dgm` H$m`©{ZînmXZ - _mÜ`_-dma ...... 97
II
.2 ^maVr` OrdZ ~r_m {ZJ_ H$m d¡`{º$H$ Z`m ì`dgm` H$m`©{ZînmXZ - _mÜ`_-dma ...... 97
II
.3 OrdZ ~r_m CÚmoJ H$m d¡`{º$H$ Z`m ì`dgm` H$m`©{ZînmXZ - _mÜ`_-dma ...... 97
II
.4 {ZOr OrdZ ~r_mH$Vm©Am| H$m gm_y{hH$ Z`m ì`dgm` H$m`©{ZînmXZ - _mÜ`_-dma ...... 97
II
.5 ^maVr` OrdZ ~r_m {ZJ_ H$m gm_y{hH$ Z`m ì`dgm` H$m`©{ZînmXZ - _mÜ`_-dma ...... 97
II
.6 OrdZ ~r_m CÚmoJ H$m gm_y{hH$ Z`m ì`dgm` H$m`©{ZînmXZ - _mÜ`_-dma ...... 97
II
.7 AmB©E_E\$ Ho$ _mÜ`_ go ~r_mH$Vm©Am| Ûmam Omar H$s JB© nm°{b{g`m± ...... 100
II
.8 AmB©E_E\$ Ho$ _mÜ`_ go g§J¥hrV Z`m ì`dgm` àr{_`_ ...... 100
II
.9 AmB©E_E\$ H$s {Obm-dma CnpñW{V H$m _mZ{MÌ ...... 101
II
.10 ~r_m Xbmbm| H$m _mZ{MÌ ...... 104
II
.11 do~ g§J«mhH$ AJ«Vm {ddaU AmJ§VwH$/AJ«Vm A§VaU/AJ«Vm n[ad{V©V ...... 111
II
.12 do~ g§J«mhH$ nm°{b{g`m| H$s g§»`m ...... 111
II
.13 {nN>bo Xmo dfm] Ho$ Xm¡amZ àmá OrdZ ~r_m {eH$m`Vm| H$m dJuH$aU ...... 124
II
xidm{f©H$ [anmoQ©>
2017-18
n¥ð> g§.
.14 gmYmaU ~r_m {eH$m`Vm| H$m {eH$m`V àH$ma-dma dJuH$aU ...... 124
II
.15 nm°{bgr àH$ma-dma gmYmaU ~r_m {eH$m`V| ...... 124
II
.16 {eH$m`Vm| H$s J{V CÚmoJ ...... 125
II
{ddaU
1. ~r_m ì`mnZ H$s A§Vaamï´>r` VwbZm ...... 159
2. ~r_m gKZVm H$s A§Vaamï´>r` VwbZm ...... 160
3. Z`m ì`dgm` àr{_`_ ...... 161
4. Hw$b OrdZ ~r_m àr{_`_ ...... 162
4H$. OrdZ ~r_mH$Vm©Am| H$m I§S>-dma Hw$b àr{_`_ ...... 163
5. OrdZ ~r_mH$Vm©Am| H$m g§~Õ Am¡a Ag§~Õ àr{_`_ ...... 165
6. d¡`{º$H$ _¥Ë`w Xmdo ...... 166
7. gm_y{hH$ _¥Ë`w Xmdo ...... 168
8. OrdZ ~r_mH$Vm©Am| Ho$ à~§YZ Ho$ AYrZ AmpñV`m± ...... 170
9. OrdZ ~r_mH$Vm©Am| H$s B©{¹$Q>r eo`a ny±Or ...... 173
10. ^maV _| OrdZ ~r_m H§$n{Z`m| Ho$ {V_mhr emoYj_Vm AZwnmV ...... 174
11. gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm©Am| H$m gH$b àË`j àr{_`_ (^maV Ho$ A§Xa Am¡a ~mha) ...... 175
12. gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm©Am| H$s I§S>-dma gH$b àË`j àr{_`_ Am` (^maV Ho$ A§Xa) ...... 176
13. ñdmñÏ` ~r_m (`mÌm- Xoer/ {dXoer Am¡a d¡`{º$H$ XwK©Q>Zm H$mo N>mo‹S>H$a) ...... 177
14. CnJV Xmdm AZwnmV gaH$mar joÌ gmYmaU ~r_mH$Vm© ...... 178
15. CnJV Xmdm AZwnmV {ZOr joÌ gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm© ...... 179
16. Xmdm| H$m {díbofU gmYmaU ~r_mH$Vm© ...... 181
17. I§S>-dma Am¡a Ad{Y-dma AXm {H$`o J`o Xmdm| H$m {díbofU gmYmaU ~r_mH$Vm© ...... 182
18. gmYmaU ~r_mH$Vm©Am| Ho$ à~§YZ Ho$ AYrZ AmpñV`m± ...... 183
19. gmYmaU, ñdmñÏ` Am¡a nwZ~u_mH$Vm©Am| H$s B©{¹$Q>r eo`a ny±Or ...... 185
20. {dXoer nwZ~u_mH$Vm©Am| H$s emImAm| H$s g_ZwXo{eV ny±Or ...... 186
21. gmYmaU, ñdmñÏ` Am¡a nwZ~u_mH$Vm©Am| H$m emoYj_Vm AZwnmV ...... 187
22. {eH$m`Vm| H$s pñW{V OrdZ ~r_mH$Vm© ...... 188
23. {eH$m`Vm| H$s pñW{V gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm© ...... 189
AZw~§Y
1. ^maV _| n[aMmbZaV ~r_m H§$n{Z`m± ...... 193
2. ~r_mH$Vm©Am| Am¡a {d{^Þ _Ü`d{V©`m| Ho$ {bE ewëH$ g§aMZm ...... 196
3. ) ^maVr` ~r_mH¥$V OrdZ _¥Ë`w-Xa (2006-08) A§{V_ ...... 197
i
) àH$m{eV dm{f©H$sJ«m{h`m| Ho$ {bE _¥Ë`w-Xa gmaUr… EbAmB©gr (E) (1996-98) A§{V_ Xa| ...... 199
ii
4. AZw_mo{XV OrdZ ~r_m CËnmXm| Am¡a AZwd¥{Õ`m| (amBS>am|) H$s gyMr ...... 201
5. 31.03.2018 H$mo {dÚ_mZ OrdZ ~r_mH$Vm©Am| Ho$ gyú_ ~r_m CËnmXm| H$s gyMr ...... 202
6. AZw_mo{XV gmYmaU ~r_m CËnmX ...... 203
7. AZw_mo{XV ñdmñÏ` ~r_m CËnmX ...... 204
8. 01/04/2017 go 31/03/2018 VH$ Omar {H$`o J`o n[anÌ/AmXoe/{Xem{ZX}e/AZwXoe/{d{dY ...... 205
9. 31/03/2018 VH$ AmB©AmaS>rE A{Y{Z`_ Ho$ AYrZ ~Zm`o J`o {d{Z`_ ...... 211
10. ) àm{YH$aU Ûmam bJm`o J`o X§S> ...... 215
i
10 ) àm{YH$aU Ûmam bJm`o J`o X§S> (Xbmb) ...... 216
ii
xiidm{f©H$ [anmoQ©>
2017-18
{_eZ {ddaU
✓ nm°{bgrYmaH$m| Ho$ {hVm| H$m g§ajU H$aZm VWm CZHo$ à{V C{MV ì`dhma gw{ZpíMV H$aZm;
✓ Am_ AmX_r Ho$ {hV Ho$ {bE ~r_m CÚmoJ (dm{f©H$s Am¡a A{Yd{f©Vm g§~§Yr ^wJVmZm| g{hV) H$s Ëd[aV
Am¡a ì`dpñWV g§d¥{Õ H$aZm, VWm AW©ì`dñWm H$s g§d¥{Õ H$s J{V ~‹T>mZo Ho$ {bE XrK©H$m{bH$ {Z{Y`m±
CnbãY H$amZm;
✓ àm{YH$aU {OZH$m {d{Z`_Z H$aVm h¡, CZH$s gË`{Zð>m, {dÎmr` gwÑ‹T>Vm, C{MV ì`dhma Am¡a gj_Vm
Ho$ Cƒ _mZH$m| H$m {ZYm©aU, g§dY©Z, {ZJamZr Am¡a àdV©Z H$aZm;
✓ dmñV{dH$ Xmdm| H$m Ëd[aV {ZnQ>mZ gw{ZpíMV H$aZm, ~r_m g§~§Yr YmoImY{‹S>`m| Am¡a AÝ` AZmMmam| H$s
amoH$Wm_ H$aZm VWm à^mdr {eH$m`V {ZdmaU V§Ì H$s ì`dñWm H$aZm;
✓ ~r_o Ho$ gmW g§~§Y aIZodmbo {dÎmr` ~mOmam| _| {ZînjVm, nmaX{e©Vm Am¡a gwì`dpñWV H$m`©g§MmbZ H$mo
~‹T>mdm XoZm VWm ~mOma Ho$ {Ibm{‹S>`m| _| {dÎmr` gwÑ‹T>Vm Ho$ Cƒ _mZH$ bmJy H$aZo Ho$ {bE EH$
{dídgZr` à~§Y gyMZm àUmbr H$m {Z_m©U H$aZm;
✓ Ohm± Eogo _mZH$ An`m©á h¢ AWdm Aà^mdr T§>J go bmJy {H$`o J`o h¢ dhm± H$ma©dmB© H$aZm;
✓ {ddoH$nyU© {d{Z`_Z H$s AnojmAm| Ho$ AZwê$n CÚmoJ Ho$ X¡Z§{XZ H$m`©MmbZ _| Bï>V_ n[a_mU _| ñd-
{d{Z`_Z CËnÞ H$aZm&
xiii--dm{f©H$ [anmoQ©>
2017-18
^maVr` ~r_m {d{Z`m_H$ Am¡a {dH$mg àm{YH$aU
àm{YH$aU Ho$ gXñ`
Q>r Eg {dO`Z S>m. gw^mf M§Ð Iw§{Q>Am
AÜ`j AÜ`j
(20 \$adar 2018 VH$) (7 _B© 2018 go)
nyU©H$m{bH$ gXñ`
dr Ama Aæ`a nm¡{U©_m Jwáo Zrboe gmRo>
(31 _B© 2017 VH$)
nr Oo Omogo\$ gwO` ~oZOu Hw$Qw>å~o àdrU h[a
(1 _mM© 2018 go) (12 _mM© 2018 go)
xvdm{f©H$ [anmoQ©>
2017-18
Ae§ H$m{bH$ gXñ`
Eg ~r _mWwa gwf_m ZmW
(23 {gVå~a 2017 VH$)
EZ lr{Zdmg amd a{d {_Vb
(16 OybmB© 2017 VH$) (17 OybmB© 2017 go)
grE. Zrboe Eg {dH$_go grE. ZdrZ EZ {S> Jwám
(11 \$adar 2018 VH$) (12 \$adar 2018 go)
xvidm{f©H$ [anmoQ©>
2017-18
^maVr` ~r_m {d{Z`m_H$ Am¡a {dH$mg àm{YH$aU (AmB©AmaS>rEAmB©) Ho$
d[að> A{YH$mar
H$m`©H$mar {ZXoeH$ E_ n„w m amd
gwaoe _mWwa
S>m°. _mé{V àgmX V§{Jambm
_w»` _hmà~§YH$ aUXrn qgh OJnmb
E Ama {ZË`mZ§X_
__Vm gyar
Oo _rZm Hw$_mar
`k{à`m ^aV
EM AZ§VH¥$îUZ
dr O`§V Hw$_ma
_hmà~§YH$ Eg EZ O`qghZ
a_Um amd AÔ§{H$
g§Ord Hw$_ma O¡Z
Q>r Eg Zm`H$
Eg nr MH«$dVu
nr Ho$ _¡Vr
amOHw$_ma e_m©
Oo A{ZVm
Ho$ Or nr Eb a_mXodr
S>r dr Eg a_oe
gwXrá ^Å>mMm`©
Or Ama gy`© Hw$_ma
_w»` gVH©$Vm A{YH$mar Ed§ _hmà~§YH$ E d|H$Qo>ída amd
xvii--dm{f©H$ [anmoQ©>
2017-18
^mJ
- I
Zr{V`m± Am¡a H$m`©H«$_
.1 gm_mÝ` Am{W©H$ n[adoe godmE±' (10.8 à{VeV) Ed§ "bmoH$ àemgZ, ajm Am¡a AÝ`
I
godmE±' (14.4 à{VeV)& "H¥${f, dm{ZH$s Am¡a _Ëñ`-J«hU',
.1.1 Ho$ÝÐr` gm§p»`H$s` g§JR>Z (grEgAmo), gm§p»`H$s Am¡a
I "{d{Z_m©U', "{~Obr, J¡g, Ob-Amny{V© Am¡a AÝ` OZmon`moJr
H$m`©H«$_ H$m`m©Ýd`Z _§Ìmb`, ^maV gaH$ma Ûmam Omar {H$`o
godmE±' VWm "{Z_m©U' _| g§d¥{Õ H«$_e… 4.5, 8.6, 6.7 Am¡a
J`o dm{f©H$ amï´>r` Am`, 2017-18 Ho$ AZ§{V_ AZw_mZm| Ho$
8.8 à{VeV h¡&
AZwgma Cº$ df© Ho$ {bE dV©_mZ H$s_Vm| na OrS>rnr 167.73
bmI H$amo‹S> én`o na AZw_m{ZV h¡ Omo df© 2016-17 Ho$ {bE .1.3 `h AZw_mZ h¡ {H$ gH$b amï´>r` Am` (OrEZAmB©)
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152.54 bmI H$amo‹S> én`o Ho$ OrS>rnr Ho$ àW_ g§emo{YV dV©_mZ H$s_Vm| na df© 2016-17 Ho$ é.150.77 bmI H$amo‹S>
AZw_mZm| H$s VwbZm _| 10.00 à{VeV H$s g§d¥{Õ Xa Xem© ahm H$s VwbZm _| df© 2017-18 Ho$ Xm¡amZ é.165.87 bmI H$amo‹S>
h¡& na AZw_m{ZV h¡ Omo 10 à{VeV H$s d¥{Õ Xem©Vr h¡& 2017-
18 Ho$ Xm¡amZ dV©_mZ H$s_Vm| na à{V ì`{º$ amï´>r` Am` Ho$
.1.2 dV©_mZ H$s_Vm| na {OZ joÌm| Zo 9.0 à{VeV go A{YH$
I {df` _| AZw_mZ h¡ {H$ BgZo df© 2016-17 Ho$ é.103870
g§d¥{Õ XO© H$s h¡ do h¢ "IZZ Am¡a CËIZZ' (12.5 à{VeV),
Ho$ AZw_mZ H$s VwbZm _| 8.6 à{VeV H$s d¥{Õ Xem©Vo hþE
"ì`mnma, hmQo >b, n[adhZ, gM§ ma Ama¡ àgmaU g og~§ {§YV gdo mE'±
é.112835 H$m ñVa àmá {H$`m h¡&
(11.4 à{VeV), "{dÎmr`, ñWmda g§nXm Am¡a ì`mdgm{`H$
(òmoV… grEgAmo àog ZmoQ> {XZm§H$ 31.05.2018)
gmaUr .1
I
amï´>r` Am` Ho$ AZ§{V_ AZw_mZ Am¡a OrS>rnr g§~§Yr ì`` (dV©_mZ H$s_Vm| na)
(dV_© mZ H$s_Vm | na)
_X 2015-16 2016-17 2017-18
(A.A.)
Xeo r CËnmX ( > H$amo‹S>)
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1. _by H$s_Vm | na `m{oOV gH$b _ëy ` (OrdrE) 12566646 13841591 (10.1) 15182371 (9.7)
2. gH$b Xeo r CËnmX (OrS>rnr) 13764037 15253714 (10.8) 16773145 (10.0)
3. {Zdb Xeo r CËnmX (EZS>rnr) 12313813 13668987 (11.0) 15034912 (10.0)
4. gH$b amï>´r` Am` (OrEZAmB)© 13604258 15077384 (10.8) 16587278 (10.0)
5. {Zdb amï>´r` Am` (EZEZAmB)© 12154034 13492657 (11.0) 14849045 (10.1)
6. gH$b amï>´r` à`mÁo ` Am` (OrEZS>rAmB)© 14017341 15456822 (10.3) 16983715 (9.9)
7. {Zdb amï>´r` à`mÁo ` Am` (EZEZS>rAmB)© 12567117 13872095 (10.4) 15245482 (9.9)
à{V ì`{º$ Am`, CËnmX Ama¡ A{§V_ Cn^mJo (é)
8. à{V ì`{º$ OrS>rnr 107280 117427 (9.5) 127456 (8.5)
9. à{V ì`{º$ OrEZAmB© 106035 116069 (9.5) 126043 (8.6)
10.à{V ì`{º$ EZEZAmB© 94731 103870 (9.6) 112835 (8.6)
11.à{V ì`{º$ OrEZS>rAmB© 109254 118990 (8.9) 129056 (8.5)
12.à{V ì`{º$ nrE\$grB© 63065 69322 (9.9) 75337 (8.7)
A.A.:AZ{§V_ AZ_w mZ; nrE\$grB:© :{ZOr A{§V_ Cn^mJo ì``; {Q>ßnUr: H$mðo >H$ _ | AmH§ $S‹ >o {nN>b o df © H$s Vbw Zm _ | à{VeV _ | n[adVZ© XemV© o h&¢
òmVo … H$oÝÐr` gmp§»`H$s` gJ§ R>Z (grEgAm)o , àgo ZmQo > {XZmH§ $ 31 _B © 2018.
1dm{f©H$ [anmoQ©>
2017-18
gmaUr .2
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Am{W©H$ J{V{d{Y Ûmam _yb H$s_V na `mo{OV gH$b _yë` (OrdrE) Ho$ AZ§{V_ AZw_mZ
(dV©_mZ H$s_Vm| na) ( H$amo‹S>)
`
CÚmoJ 2015-16 2016-17 2017-18 {nN>b odf ©H$s
(A.A.) Vbw Zm _ |à{VeV
_ |n[adVZ©
2016-17 2017-18
H¥${f, dm{ZH$s Am¡a _Ëñ`-J«hU 2225368 2484005 2594729 11.6 4.5
IZZ Am¡a CËIZZ 301230 332947 374689 10.5 12.5
{d{Z_m©U 2116119 2329220 2530311 10.1 8.6
{~Obr, J¡g, Ob-Amny{V© Am¡a AÝ` OZmon`moJr godmE± 336978 363482 387694 7.9 6.7
{Z_m©U 992298 1028463 1118946 3.6 8.8
ì`mnma, hmoQ>b, n[adhZ, g§Mma Am¡a àgmaU go g§~§{YV godmE± 2303249 2521813 2809748 9.5 11.4
{dÎmr`, ñWmda g§nXm Ed§ ì`mdgm{`H$ godmE± 2631284 2857322 3164547 8.6 10.8
bmoH$ àemgZ, ajm Am¡a AÝ` godmE± 1660120 1924339 2201707 15.9 14.4
_by H$s_V na `m{oOV gH$b _ëy ` (OrdrE) 12566646 13841591 15182371 10.1 9.7
A.A.: AZ§{V_ AZw_mZ
òmoV: Ho$ÝÐr` gm§I{`H$s` g§JR>Z (grEgAmo), àog ZmoQ> {XZm§H$ 31 _B© 2018
MmQ>© .1 dV©_mZ H$s_Vm| na `mo{OV gH$b _yë` (OrdrE) 2016-17 _| joÌm| H$m A§§e
I
H¥${f, dm{ZH$s Am¡a _Ëñ`-J«hU
■
IZZ Ama¡ CËIZZ
■
{d{Z_m©U
■
{~Obr, J¡g, Ob-Amny{V© Am¡a AÝ` OZmon`moJr godmE±
■
{Z_m©U
■
ì`mnma, hmoQ>b, n[adhZ, g§Mma Am¡a àgmaU go g§~§{YV godmE±
■
{dÎmr`, ñWmda g§nXm Am¡a ì`mdgm{`H$ godmE±
■
bmoH$ àemgZ, ajm Am¡a AÝ` godmE±
■
Kaoby joÌ H$s {dÎmr` ~MV ({S>g-goqdJ) _| 2016-17 Ho$ Xm¡amZ 0.7 à{VeV VH$ {JamdQ>
AmB© Omo amOH$mofr` gwÑ‹T>rH$aU àmá H$aZo Ho$ A{daV à`mgm|
.1.4 Kaoby ~MV _| 2015-16 _| XO© gH$b amï´>r` à`moÁ`
I H$mo {Z{X©ï> H$aVm h¡&
Am` (OrEZS>rAmB©) Ho$ 30.7 à{VeV go 2016-17 _| 29.6
à{VeV VH$ {JamdQ> hþB© (gmaUr .4)& Kaoby {dÎmr` ~MV .1.5 Ama~rAmB© Ho$ àma§{^H$ AZw_mZm| Ho$ AZwgma, Kaoby joÌ
I
AW©ì`dñWm _| {Zdoe Ho$ {bE {Z{Y`m| Ho$ gdm©{YH$ _hËdnyU© H$s {Zdb {dÎmr` AmpñV`m± Ka-n[admam| H$s Xo`VmAm| _| d¥{Õ
òmoV - 2015-16 _| XO© gH$b amï´>r` à`moÁ` Am` Ho$ ~mdOyX _wÐm Ho$ ê$n _| Ka-n[admam| H$s AmpñV`m| _| d¥{Õ Ho$
(OrEZS>rAmB©) Ho$ 8.1 à{VeV go KQ>H$a 2016-17 _| 6.7 H$maU 2017-18 _| gH$b amï´>r` à`moÁ` Am` (OrEZS>rAmB©)
à{VeV ahr (gmaUr .3)& {ZOr J¡a-{dÎmr` {ZJ_m| H$s ~MV _| Ho$ 7.1 à{VeV VH$ ~‹T>t&
2016-17 _| OrEZS>rAmB© Ho$ 11.1 à{VeV VH$ gr_m§V ê$n
(òmoV… ^maVr` [aμOd© ~¢H$ H$s dm{f©H$ [anmoQ©> 2017-18)
go {JamdQ> hþB©& Bgr g_`, gm_mÝ` gaH$ma H$s F$UmË_H$ ~MV
2dm{f©H$ [anmoQ©>
2017-18
gmaUr .3 : Kaoby joÌ H$s {dÎmr` ~MV
I
(OrEZS>rAmB© Ho$ à{VeV _|)
_X 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18
#
H$. gH$b {dÎmr` ~MV
{Og_| go 10.4 10.5 10.4 9.9 10.8 9.1 11.1
1. _wÐm 1.2 1.1 0.9 1.0 1.4 -2.0 2.8
2. O_ma{e`m± 6.0 6.0 5.8 4.8 4.6 6.3 2.9
3. eo`a Am¡a {S>~|Ma 0.2 0.2 0.2 0.2 0.3 0.2 0.9
4. gaH$ma na Xmdo -0.2 -0.1 0.2 0.0 0.5 0.4 0.0
5. ~r_m {Z{Y`m± 2.2 1.8 1.8 2.4 1.9 2.3 1.9
6. ^{dî` Am¡a n|eZ {Z{Y`m± 1.1 1.5 1.5 1.5 2.1 2.0 2.1
I. {dÎmr` X`o VmE± 3.2 3.2 3.1 3.0 2.8 2.4 4.0
{Zdb {dÎmr` ~MV (H$-I) 7.2 7.2 7.2 6.9 8.1 6.7 7.1
{Q>ßnUr: Am§H$‹So> nyUmª{H$V hmoZo Ho$ H$maU Hw$b Omo‹S> Ho$ gmW _ob Zht ImVo hm|Jo&. òmoV: grEgAmo O¡gm {H$ [aμOd© ~¢H$ H$s dm{f©H$ [anmoQ©> 2017-18 gmaUr .1 _| àH$m{eV h¡&
[aOd© ~¢H$ Ho$ àma§{^H$ AZw_mZm| Ho$ _wVm{~H$& grEgAmo 31 OZdar, 201 9 H$mo Kaoby joÌ H$s {dÎmr` ~MV H$mo Omar aIoJr, 'amï´>r` Am` Ho$ nhbo g§emo{YV AZw_mZ, Cn^moJ ì``, ~MV Am¡a 2017-18 Ho$ {bE ny§Or {Z_m©U'
#
Ho$ {hñgo Ho$ ê$n _| ZdrZV_ OmZH$mar Ho$ AmYma na&
gmaUr .4 : gH$b ~MV
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(OrEZS>rAmB© Ho$ à{VeV _|)
_X 2013-14 2014-15 2015-16 2016-17
gH$b ~MV 31.4 31.6 30.7 29.6
1.1 J¡a-{dÎmr` {ZJ_ 10.5 11.1 12.2 12.1
1.1.1 gaH$mar J¡a-{dÎmr` {ZJ_ 1.1 1.0 1.0 1.0
1.1.2 {ZOr J¡a-{dÎmr` {ZJ_ 9.4 10.1 11.2 11.1
1.2 {dÎmr` {ZJ_ 2.6 2.7 2.1 2.2
1.2.1 gaH$mar {dÎmr` {ZJ_ 1.4 1.3 1.3 1.3
1.2.2 {ZOr {dÎmr` {ZJ_ 1.1 1.3 0.8 0.8
1.3 gm_mÝ` gaH$ma -1.5 -1.4 -1.1 -0.7
1.4 Kaoby joÌ 19.9 19.2 17.5 16.0
1.4.1 {Zdb {dÎmr` ~MV 7.2 6.9 8.1 6.7
kmnZ: gH$b {dÎmr` ~MV 10.4 9.9 10.8 9.1
1.4.2 ^m¡{VH$ AmpñV`m| _| ~MV 12.3 11.9 9.1 9.0
1.4.3 _yë`dmZ dñVwAm| Ho$ ê$n _| ~MV 0.3 0.4 0.3 0.3
OrEZS>rAmB© gH$b amï´>r` à`moÁ` Am`
{Q>ßnUr: Kaoby joÌ H$s {Zdb {dÎmr` ~MV df© Ho$ Xm¡amZ gH$b {dÎmr` ~MV Am¡a {dÎmr` Xo`VmAm| Ho$ ~rM A§Va Ho$ ê$n _| àmá H$s JB© h¡&
òmoV: grEgAmo O¡gm {H$ [aμOd© ~¢H$ H$s dm{f©H$ [anmoQ©> 2017-18, n[a{eï> gmaUr 3 _| àH$m{eV h¡&
.2 {díd ~r_m n[aÑí` .2.2 Hw$b àË`j àr{_`_m| H$m {dñVma 2017 _| dmñV{dH$
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ê$n _| 1.5% VH$ _§X ahm (2016: 2.2%)& XmoZm| J¡a-OrdZ
.2.1 arB§í`moa|g _oOa, pñdg ao Ûmam àH$m{eV "2017 _|
I Am¡a OrdZ joÌm| _| _§Xr ahr, na§Vw g_J« d¡pídH$ àr{_`_ d¥{Õ
{díd ~r_m' [anmoQ©> Ho$ AZwgma d¡pídH$ AW©ì`dñWm _| gH$b
_| ~mYm Ho$ {bE CÞV ~mOmam| _| OrdZ àr{_`_m| H$s {JamdQ>
Kaoby CËnmX Ho$ 3.3% Ho$ ~‹T>Zo Ho$ gmW, 2017 _| `Woï> gwYma
_w»` H$maU Wr&
hþAm&
3dm{f©H$ [anmoQ©>
2017-18
d¡pídH$ OrdZ àr{_`_m| _| 2017 _| 2657 {~{b`Z A_o[aH$s H$m AË`μ{YH$ A§e 74.73 à{VeV na ahm, O~{H$ J¡a-OrdZ
S>m°ba VH$ Ho$db gr_m§V ê$n go 0.5% d¥{Õ hþB© (2016 : ~r_m ì`dgm` H$m A§e 25.27 à{VeV Wm&
1.4%)& `h _§Xr àmW{_H$ ê$n go CÞV ~mOmam| Ûmam ào[aV Wr,
.2.6 OrdZ ~r_m ì`dgm` _|, 88 Xoem| Ho$ ~rM ^maV H$m
Omo 2017 _| 2.7% KQ>r (2016 : -1.9%) Š`m|{H$ g^r I
ñWmZ 10dm± h¡, {OgHo$ {bE So>Q>m pñdg ao Ûmam àH$m{eV {H$`m
joÌm| Zo A{YH$m§eV… ~MV CËnmXm| Ho$ {bE Amny{V© Am¡a _m±J H$mo
J`m h¡& d¡pídH$ OrdZ ~r_m ~mOma _| ^maV H$m A§e 2017 Ho$
bJmVma à{VHy$b ê$n go à^m{dV H$aZodmbr {ZåZ ã`mO Xam| Ho$
Xm¡amZ 2.76 à{VeV Wm& VWm{n, 2017 Ho$ Xm¡amZ ^maV _|
H$maU F$UmË_H$ d¥{Õ AZw^d H$s& C^aVo ~mOmam| _| OrdZ
OrdZ ~r_m àr{_`_ 8.0 à{VeV ~T‹ >m (_Ðw mñ\$s{V g_m`m{oOV)
àr{_`_ d¥{Õ 14% na _O~yV ~Zr ahr, Omo _w»` ê$n go MrZ
O~ d¡pídH$ OrdZ ~r_m àr{_`_ _| 0.5 à{VeV d¥{Õ hþB©&
go ào[aV Wr& AÝ` C^aVo ~mOmamo± _| `h {dñVma 5.8% na
AnojmH¥$V _§X Wm& BgHo$ {bE _w»` H$maU bmVrZ A_o[aH$m H$m .2.7 ^maVr` J¡a-OrdZ ~r_m joÌ Zo 2017 Ho$ Xm¡amZ 16.7
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H$_Omoa H$m`©{ZînmXZ Wm, O~{H$ AÝ` C^aVo E{e`m Am¡a grB©B© à{VeV (_wÐmñ\$s{V g_m`mo{OV) H$s d¥{Õ XoIr& Bgr Ad{Y
Zo AZwHy$b ê$n go {dH$mg {H$`m& Ho$ Xm¡amZ d¡pídH$ J¡a-OrdZ àr{_`_ _| d¥{Õ 2.8 à{VeV Wr&
VWm{n, d¡pídH$ J¡a-OrdZ ~r_m àr{_`_ _| ^maVr` J¡a-OrdZ
d¡pídH$ J¡a-OrdZ àr{_`_ _| 2016 Ho$ 3.3% go 2017 _|
~r_m àr{_`_ H$m A§e 1.11 à{VeV Wm VWm ^maV H$m ñWmZ
2234 {~{b`Z A_o[aH$s S>m°ba VH$ 2.8% VH$ d¥{Õ hþB©& `h
d¡pídH$ J¡a-OrdZ ~r_m ~mOmam| _| 15dm± h¡&
_§Xr C^aVo ~mOmam| _| {ZåZVa d¥{Õ Ho$ H$maU Wr, O~{H$ CÞV
~mOmam| _| d¥{Õ bJ^J pñWa Wr& gmaUr .5
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Hw$b dmñV{dH$ àr{_`_ d¥{Õ Xa 2017
.2.3 bm^àXVm XmoZm| OrdZ Am¡a J¡a-OrdZ joÌm| _| bJmVma
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X~md _| ahr& OrdZ I§S> _| {ZåZVa ã`mO Xa| {Zdoe à{Vbm^m| (à{VeV _|)
H$mo à^m{dV H$a ahr h¢, O~{H$ à{V`mo{JVm Am¡a {d{Z`m_H$
joÌ/Xoe OrdZ J¡a-OrdZ Hw$b
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Hw$b 175202.68 194153.90 100000
(26.26) (10.82) 50000
0
ZdrH$aU àr{_`_ (4)
EbAmB©gr 175904.05 183551.51 ■201&-17 ■2017-18
(4.36) (4.35)
{ZOr joÌ 67369.89 81104.03
(12.99) (20.39)
MmQ©> .8 : 5 df© Ho$ {bE OrdZ ~r_mH$Vm©Am|
I
Hw$b 243273.94 264655.54 H$m H$wb àr{_`_
(6.62) (8.79)
500000
H$wb àr{_`_ (5 =(3+4)=(1+2+4))
450000
EbAmB©gr 300487.36 318223.20 400000
(12.78) (5.90) 350000
~ 300000
{ZOr joÌ 117989.26 140586.24 u0
250000
(17.40) (19.15) 11v
200000
150000
Hw$b 418476.62 458809.44
■---
(14.04) (9.64) 100000 ■ ■ ■ ■
50000
{Q>ßnUr: H$moð>H$ _| Am§H$‹So> {nN>bo df© H$s VwbZm _| d¥{Õ (à{VeV
2012-13 2013-14 2014-15 2015-16 2016-17 2017-18
_|) Xem©Vo h¢&
1-lndustry
9dm{f©H$ [anmoQ©>
2017-18
~mOma Ae§ .3.9 Z`o ì`dgm` àr{_`_ _| {ZOr ~r_mH$Vm©Am| H$m ~mOma
I
A§e 2017-18 _| 30.64 à{VeV ahm ({nN>bo df© _| `μh
.3.8 Hw$b àr{_`_ Am` Ho$ AmYma na EbAmB©gr H$m
I 28.89 à{VeV Wm)& `hr EbAmB©gr Ho$ {bE 69.36 à{VeV
~mOma A§e 2016-17 Ho$ 71.81 à{VeV go 2017-18 _|
({nN>bo df© _| 71.11 à{VeV) Wm& Bgr àH$ma, ZdrH$aU
69.36 à{VeV VH$ KQ>m& {ZOr ~r_mH$Vm©Am| H$m ~mOma A§e
àr{_`_ _| EbAmB©gr Zo 69.35 à{VeV na AnZm CƒVa
2016-17 Ho$ 28.19 à{VeV go ~‹T>H$a 2017-18 _| 30.64
A§e Omar aIm ({nN>bo df© _| 72.31 à{VeV) O~{H$ BgH$s
à{VeV hmo J`m (gmaUr .10)&
VwbZm _| {ZOr ~r_mH$Vm©Am| H$m A§e 30.65 à{VeV ({nN>bo
df© _| 27.69 à{VeV) Wm&
gmaUr .10
I
~mOma A§e : OrdZ ~r_mH$Vm©
ZB© nm°{b{g`m± :
~r_mH$Vm© 2016-17 2017-18
.3.10 2017-18 Ho$ Xm¡amZ OrdZ ~r_mH$Vm©Am| Zo 281.97
I
àW_ df © àr{_`_ (1)
bmI ZB© nm°{b{g`m± Omar H$s¨, {OZ_| go EbAmB©gr Zo 213.38
EbAmB©gr 44.31 42.82
bmI nm°{b{g`m± (Omar H$s JB© Hw$b ZB© nm°{b{g`m| H$m 75.7
{ZOr joÌ 55.69 57.18 à{VeV) Am¡a {ZOr OrdZ ~r_mH$Vm©Am| Zo 68.59 bmI
Hw$b 100.00 100.00 nm°{b{g`m± (Omar H$s JB© Hw$b ZB© nm°{b{g`m| H$m 24.3%)
Omar H$s¨& O~{H$ {ZOr joÌ Zo Omar H$s JB© ZB© nm°{b{g`m| H$s
EH$b àr{_`_ (2)
g§»`m _o± {nN>bo df© H$s VwbZm _| 8.47% H$s d¥{Õ XO© H$s,
EbAmB©gr 84.83 82.95
EbAmB©gr Zo Omar H$s JB© ZB© nm°{b{g`m| H$s g§»`m _| 5.99%
{ZOr joÌ 15.17 17.05
H$s d¥{Õ XO© H$s&
Hw$b 100.00 100.00
gmaUr .11
Z`m ì`dgm` àr{_`_ (3 =(1+2)) I
Omar H$s JB© ZB© nm°{b{g`m± : OrdZ ~r_mH$Vm©
EbAmB©gr 71.11 69.36 (bmI _)|
{ZOr joÌ 28.89 30.64
~r_mH$Vm© 2016-17 2017-18
Hw$b 100.00 100.00 ^m.Or.~r.{ZJ_ 201.32 213.38
(-2.02) (5.99)
ZdrH$aU àr{_`_ (4)
{ZOr joÌ 63.24 68.59
EbAmB©gr 72.31 69.35 (2.13) (8.47)
{ZOr joÌ 27.69 30.65 Hw$b 264.56 281.97
(-1.05) (6.58)
Hw$b 100.00 100.00
{Q>ßnUr: H$moð>H$ _| Am§H$‹So> {nN>bo df© H$s VwbZm _| d¥{Õ (à{VeV
H$wb àr{_`_ (5 =(3+4)=(1+2+4))
_|) Xem©Vo h¢&.
EbAmB©gr 71.81 69.36
àXÎm ny±Or
{ZOr joÌ 28.19 30.64
.3.11 31 _mM© 2018 H$s pñW{V Ho$ AZwgma OrdZ ~r_m
Hw$b 100.00 100.00 I
H§$n{Z`m| H$s Hw$b ny±Or é. 27264.37 H$amo‹S> Wr& 2017-18
Ho$ Xm¡amZ {ZOr joÌ Ho$ ~r_mVm©Am| Ûmam é. 307.43 H$amo‹S> H$s
A{V[aº$ ny±Or CÚmoJ _| bmB© JB© (gmaUr .12)&
I
10dm{f©H$ [anmoQ©>
2017-18
.3.13 g_J« H$_reZ ì`` AZwnmV (àr{_`_m| Ho$ à{VeV Ho$
gmaUr .12 I
I
ê$n _| H$_reZ ì``) 2016-17 Ho$ 5.29 à{VeV go gr_m§V
àXÎm ny±Or* : OrdZ ~r_mH$Vm©
(H$amo‹S> én`o) ê$n go ~‹T>H$a 2017-18 _| 5.53 à{VeV ahm& VWm{n, Hw$b
~r_mH$Vm© 31 _mM© 2017-18 H$o 31 _mM©
H$_reZ 14.63 à{VeV (Hw$b àr{_`_ d¥{Õ 9.64 à{VeV)
2017 H$mo Xma¡ mZ n[adYZ© 2018 H$mo
~T‹ >m, àW_ df ©H$_reZ 21.93 à{VeV ~T‹ >m (àW_ df ©àr{_`_
EbAmB©gr 100.00 0.00 100.00
{ZOr joÌ 26856.94 307.43 27164.37 d{¥Õ 10.75 à{VeV), Z` oì`dgm` H$_reZ _ |23.37 à{VeV
Hw$b 26956.94 307.43 27264.37 (Z`m ì`dgm` àr{_`_ d¥{Õ 10.82 à{VeV) VWm ZdrH$aU
* eo`a àr{_`_ Am¡a eo`a AmdoXZ am{e Bg_| em{_b Zht h¢&
H$_reZ _| 5.36 à{VeV d¥{Õ (ZdrH$aU àr{_`_ d¥{Õ 8.79
à{VeV) hþB©& EH$b àr{_`_ _| 10.85 à{VeV ~‹T>moVar hþB©,
OrdZ ~r_mH$Vm©Am| Ho$ ì``
O~{H$ EH$b àr{_`_ H$_reZ _| 58.67 à{VeV d¥{Õ ahr h¡&
VWm{n, {ZOr ~r_mH$Vm©Am| Am¡a EbAmB©gr Ho$ ~rM VwbZm H$aZo
.3.12 ~r_m {d{Y (g§emoYZ) A{Y{Z`_, 2015 Ho$ AZwgaU
I
na pñW{V _ |H$wN> {d{^ÞVm h,¡ Og¡ r {H$ gmaUr .13 _ |à{Vq~{~V
_|, ~r_m A{Y{Z`_, 1938 H$s Ymam 40~r H$m g§emoYZ {H$`m I
h¡ {Og_| XmoZm| {ZOr Am¡a gaH$mar joÌ Ho$ OrdZ ~r_mH$Vm©Am| Ho$
J`m VWm dh {ZåZmZwgma nμ‹T>r OmVr h¡… "H$moB© ^r ~r_mH$Vm©
{bE H$_reZ AZwnmVm| H$m {Û^mOZ àñVwV {H$`m J`m h¡&
^maV _| AnZo Ûmam {H$`o OmZodmbo ~r_m ì`dgm` Ho$ g§~§Y _|
{H$gr ^r {dÎmr` df© _| Bg A{Y{Z`_ Ho$ AYrZ ~Zm`o J`o
.3.14 OrdZ ~r_mH$Vm©Am| Ho$ n[aMmbZ ì`` 2017-18 _|
I
{d{Z`_m| Ûmam {d{Z{X©ï> H$s OmZodmbr am{e go H$moB© ^r A{YH$
5.81 à{VeV ~‹T> J`o (2016-17 _| 18.98 à{VeV ~‹To>)&
am{e à~§YZ ì``m| Ho$ ê$n _| ì`` Zht H$aoJm&"
OrdZ ~r_m ì`dgm` Ho$ {bE n[aMmbZ ì`` 2017-18 _| é.
48820.69 H$amS‹o > na ah o(2016-17 _ |é. 46138.88 H$amS‹o >
VXZwgma, 9 _B© 2016 _| AmB©AmaS>rEAmB© (OrdZ ~r_m
Wo)& EbAmB©gr Ho$ n[aMmbZ ì`` 4.11 à{VeV ~‹T> J`o
ì`dgm` H$aZodmbo ~r_mH$Vm©Am| Ho$ à~§YZ ì``) {d{Z`_,
Am¡a {ZOr ~r_mH$Vm©Am| Ho$ n[aMmbZ ì``m| _| 8.68 à{VeV
2016 A{Ygy{MV {H$`o J`o&
d¥{Õ hþB©& g_J« ê$n _| CÚmoJ Ho$ {bE, n[aMmbZ ì`` AZwnmV
` o{d{Z`_ AÝ` ~mVm |H$o gmW-gmW CËnmX H$o àH$ma Ama¡ ñdê$n,
2016-17 Ho$ 11.03 à{VeV go KQ>H$a 2017-18 _| 10.64
àr{_`_ ^wJVmZ Ad{Y Am¡a ~r_m ì`dgm` Ad{Y H$mo Ü`mZ _|
à{VeV hþAm& (gmaUr .15 Am¡a .16)& n[aMmbZ ì`` ^r
aIVo hþE à~§YZ ì``m| H$s AZw_{V-`mo½` gr_mE± {ZYm©[aV H$aVo
Omo{I_-A§{H$V gH$b àr{_`_ Ho$ à{VeV Ho$ ê$n _| EbAmB©gr
h¢&
Ho$ {bE 2016-17 Ho$ 9.64 à{VeV go KQ>H$a 9.47 à{VeV
OrdZ ~r_mH$Vm©Am| Ho$ g_J« ì``m| (H$_reZ Am¡a n[aMmbZ ah&o {ZOr ~r_mH$VmA© m |H$o {bE ` o2016-17 H$o 14.57 à{VeV
ì``) _| 2017-18 _| 8.67 à{VeV d¥{Õ hþB© (2016-17 _| go KQ>H$a 2017-18 _| 13.29 à{VeV hmo J`o&
15.60 à{VeV d¥{Õ hþB©)&
11dm{f©H$ [anmoQ©>
2017-18
gmaUr .13 gmaUr .14
I I
H$_reZ ì`` : OrdZ ~r_mH$Vm© H$_reZ ì`` AZwnmV : OrdZ ~r_mH$Vm©
(H$amo‹S> én`o) (à{VeV _|)
~r_mH$Vm© 2016-17 2017-18 ~r_mH$Vm© 2016-17 2017-18
àW_ df© àW_ df © àr{_`_
EbAmB©gr 7096.55 8235.52 EbAmB©gr 26.98 29.26
{ZOr joÌ 3840.52 5100.55 {ZOr joÌ 11.62 13.57
Hw$b 10937.07 13336.07 Hw$b 18.43 20.29
EH$b (2) EH$b àr{_`_
EbAmB©gr 399.63 524.55 EbAmB©gr 0.41 0.49
{ZOr joÌ 46.08 182.64 {ZOr joÌ 0.26 0.83
Hw$b 445.71 707.19 Hw$b 0.38 0.55
Z`m ì`dgm` (3 =(1+2)) Z`m ì`dgm` àr{_`_
EbAmB©gr 7496.18 8760.07 EbAmB©gr 6.02 6.50
{ZOr joÌ 3886.60 5283.19 {ZOr joÌ 7.68 8.88
Hw$b 11382.78 14043.26 Hw$b 6.50 7.23
ZdrH$aU (4) ZdrH$aU àr{_`_
EbAmB©gr 9135.77 9511.46 EbAmB©gr 5.19 5.18
{ZOr joÌ 1598.60 1798.22 {ZOr joÌ 2.37 2.22
Hw$b 10734.37 11309.68 Hw$b 4.41 4.27
H$wb (5 =(3+4)=(1+2+4)) H$wb àr{_`_
EbAmB©gr 16631.95 18271.53 EbAmB©gr 5.53 5.74
{ZOr joÌ 5485.20 7081.41 {ZOr joÌ 4.65 5.04
Hw$b 22117.15 25352.94 Hw$b 5.29 5.53
{Q>ßnUr :H$_reZ ì`` AZwnmV H$_reZ Am¡a OrdZ ~r_mH$Vm©Am| Ûmam
Omo{I_-A§{H$V àr{_`_ Ho$ ~rM H$m AZwnmV h¡&
gmaUr I.15 gmaUr I.16
n[aMmbZ ì`` AZnw mV : OrdZ ~r_mH$Vm©
n[aMmbZ ì`` : OrdZ ~r_mH$Vm©
(H$amo‹S> én`o) ~r_mH$Vm© 2016-17 2017-18
~r_mH$Vm© 2016-17 2017-18 {nN>bo df© H$s EbAmB©gr 9.64 9.47
VwbZm _| d¥{Õ (%)
{ZOr joÌ 14.57 13.29
EbAmB©gr 28952.06 30142.40 4.11
Hw$b 11.03 10.64
{ZOr joÌ 17186.82 18678.30 8.68 {Q>ßnUr : n[aMmbZ ì`` AZwnmV OrdZ ~r_mH$Vm©Am| Ûmam Omo{I_-
Hw$b 46138.88 48820.69 5.81 A§{H$V àr{_`_ H$s VwbZm _| n[aMmbZ ì``m| H$m AZwnmV h¡&
12dm{f©H$ [anmoQ©>
2017-18
àXÎm bm^ {ZOr ~r_m CÚmoJ Ho$ _m_bo _| `y{bn Aä`n©U 2016-17 Ho$
é.40241.57 H$amo‹S> (89.27 à{VeV) H$s VwbZm _| 2017-
.3.15 OrdZ CÚmoJ Zo 2017-18 _| é. 277953.63 H$amo‹S>
I
18 _| é.41864.50 H$amo‹S> (87.97 à{VeV) Wo&
Ho$ bm^ AXm {H$`o (2016-17 _| é. 236339.87 H$amo‹S>)
Omo Omo{I_-A§{H$V gH$b àr{_`_ H$m 60.58 à{VeV h¡ {Zdeo Am`
(2016-17 _| 56.48 à{VeV)& {ZOr ~r_mH$Vm©Am| Ûmam AXm
.3.16 EbAmB©gr Ho$ _m_bo _| ny±OrJV A{^bm^m| Am¡a
I
{H$`o J`o bm^ é. 81235.59 H$amo‹S> Wo (2016-17 _| é.
AÝ` Am` g{hV {Zdoe Am` 2017-18 _| (nm°{bgrYmaH$m|
69463.00 H$amo‹S>) Omo Omo{I_-A§{H$V àr{_`_ H$m 57.78
Am¡a eo`aYmaH$m| g§~§Yr) é.206069.53 H$amo‹S> (2016-17
à{VeV (2016-17 _| 58.87 à{VeV) h¡& EbAmB©gr Zo
_| é.192478.14 H$amo‹S>) Wr& {ZOr ~r_m CÚmoJ Ho$ _m_bo _|
2017-18 _| é.196718.04 H$amo‹S> Ho$ bm^m| H$m ^wJVmZ
ny±OrJV A{^bm^m| g{hV {Zdoe Am` 2017-18 _|
{H$`m Om oOm{oI_-A{§H$V àr{_`_ H$m 61.82 à{VeV (2016-
é.55754.32 H$amo‹S> (2016-17 _| é.69184.14 H$amo‹S>)
17 _| é.166876.88 H$amo‹S>, Omo{I_-A§{H$V àr{_`_ H$m
Wr&
55.53 à{VeV) h¡& Aä`n©Um| / AmhaUm| Ho$ H$maU AXm {H$`o
J`o bm^ é.99265.00 H$amo‹S> Wo, {OZ_| go EbAmB©gr Ûmam à{VYmaU AZnw mV
{H$`o J`o ^wJVmZ é.51677.91 H$amo‹S> Wo Am¡a {ZOr joÌ Ûmam
.3.17 2017-18 H$¡ Xma¡ mZ, EbAmBg© r Ûmam nZw ~u_m àr{_`_
I
{H$` oJ` o^Jw VmZ é.47587.09 H$amS‹o > W&o {nN>b odf ©H$o Vbw Zr`
Ho$ ê$n _| é.372.22 H$amo‹S> H$s am{e AÜ`{n©V H$s JB© (2016-
Am§H$‹So> é.90005.40 H$amo‹S> Wo {OZ_| go EbAmB©gr Ho$
17 _| é.290.68 H$amo‹S>) Wr& {ZOr ~r_mH$Vm©Am| Zo Hw$b
é.44924.56 H$amo‹S> Wo Am¡a {ZOr joÌ Ho$ Ûmam é.45080.85
{_bmH$a nwZ~u_m Ho$ à{V àr{_`_ Ho$ ê$n _| é.1761.71 H$amo‹S>
H$amo‹S> AXm {H$`o J`o Wo& Mmby df© _| EbAmB©gr Ho$ _m_bo _|
(2016-17 _| é.1502.42 H$amo‹S>) AÜ`{n©V {H$`o& OrdZ
é.51677.91 H$amo‹S> Ho$ Aä`n©Um| _| go `y{bn nm°{b{g`m| Ho$
~r_mH$Vm©Am| H$m à{VYmaU AZwnmV 2017-18 Ho$ {bE
é.8087.82 H$amo‹S> (15.65 à{VeV) Wo O~{H$ 2016-17
99.53% (2016-17 Ho$ {bE 99.57%) Wm&
_| é.11094.51 H$amo‹S> (24.70 à{VeV) AXm {H$`o J`o Wo&
gmaUr .17
àXÎm bm^ : OrdZ ~r_mH$Vm©
(H$amo‹S> én`o)
~r_mH$Vm© 2016-17 2017-18 {nN>bo
Aä`n©U/ Aä`n©U/ Hw$b Aä`n©U/ Aä`n©U/ Hw$b df© H$s
AmhaU AmhaU H$mo AmhaU AmhaU H$mo VwbZm _|
N>mo‹S>H$a N>mo‹S>H$a d¥{Õ
AÝ` Xmdo AÝ` Xmdo (%)
EbAmB©gr 44924.56 121952.32 166876.88 51677.91 145040.13 196718.04 17.88
{ZOr joÌ 45080.85 24382.15 69463.00 47587.09 33648.50 81235.59 16.95
Hw$b 90005.40 146334.47 236339.87 99265.00 178688.63 277953.63 17.61
13dm{f©H$ [anmoQ©>
2017-18
~mŠ° g _X 1
OrdZ ~r_m _| _{hbmAm| H$s gh^m{JVm
_{hbmE± ^maV H$s OZg§»`m _| bJ^J 48% h¢& Xoe Ho$ Am{W©H$ H$m`©H$bmn _| CZH$m `moJXmZ C„oIZr` h¡ Am¡a àË`oH$ df© ~‹T> ahm h¡& Bg g§X^©
_|, OrdZ ~r_m ì`dgm` Ho$ g§~§Y _| _{hbmAm| Ho$ A§e na EH$ g§{já AÜ``Z {H$`m J`m h¡& Bg à`moOZ Ho$ {bE Ho$db d¡`{º$H$ Z`o ì`dgm`
Ho$ So>Q>m {dÎmr` df© 2017-18 Ho$ {bE nm°{b{g`m| H$s g§»`m Am¡a àW_ df© àr{_`_ na {dMma {H$`m J`m h¡&
1. df© 2017-18 _| ~oMr JB© nm°{b{g`m| H$s Hw$b g§»`m 2.82 H$amo‹S> h¡, Ohm± àW_ df© àr{_`_ (E\$dmB©nr) é. 92,135 H$amo‹S> H$m h&¡
{ZåZ{b{IV gmaUr _| Hw$b ì`dgm` Ho$ A§VJ©V nwéfm| Am¡a _{hbmAm| H$m A§eXmZ CnbãY H$am`m J`m h¡&
2. O¡gm {H$ XoIm Om gH$Vm h¡, OZg§»`m _| 48% A§e H$s VwbZm _| _{hbmE± nm°{b{g`m| H$s g§»`m Am¡a àW_ df© àr{_`_ _| 32% H$m
A§eXmZ H$aVr h¢&
3. ^maV _| df© 2017-18 _| _{hbmAm| Ûmam IarXr JB© 90 bmI nm°{b{g`m| _| go bJ^J EH$ {VhmB© ^mJ VrZ amÁ`m|, _hmamï´> (12%),
npíM_ ~§Jmb (10.3%) Am¡a CÎma àXoe (9.4%) go h¡& Bgr àH$ma, _{hbmAm| Ûmam A§eXmZ {H$`o J`o é. 29,800 H$amo‹S> E\$dmB©nr _|
go EH$ {VhmB© ^mJ go Wmo‹S>m A{YH$ ^mJ VrZ amÁ`m|, AWm©Ë _hmamï´> (18.1%), npíM_ ~§Jmb (10%) Am¡a V{_bZmSw> (7.8%) go h¡&
erf©ñW 5 amÁ`/ g§KamÁ` joÌ Omo g§~§{YV amÁ`/ g§KamÁ` joÌ _| {ZåZV_ 5 amÁ`/ g§KamÁ` joÌ Omo g§~§{YV amÁ`/ g§KamÁ` joÌ _|
nm°{b{g`m| H$s Hw$b g§»`m _| _{hbmAm| Ûmam IarXr JB© nm°{b{g`m| nm°{b{g`m| H$s Hw$b g§»`m _| _{hbmAm| Ûmam IarXr JB© nm°{b{g`m|
H$s g§»`m _| CƒV_ A§e go `wº$ h¢ H$s g§»`m _| {ZåZV_ A§e go `wº$ h¢
amÁ` à{VeV amÁ` à{VeV
bjÛrn 55% Oå_y d H$í_ra 24%
nwXwMoar 43% h[a`mUm 27%
Ho$ab 43% JwOamV 27%
{_Omoa_Q> 41% CÎma àXoe 28%
{g{¸$_ 40% PmaI§S> 28%
A{Ib ^maVr` Amg¡ V 32% A{Ib ^maVr` Amg¡ V 32%
OZg§»`m Am¡a ì`{º$JV OrdZ ~r_m Ho$ ZE _{hbm 2017-18 nwéf _{hbm AZwnmV {díbofU
ã`m¡ao Hw$b nwéf _{hbm nwéf _{hbm
(H$amoS> _o) (H$amoS> _o) (H$amoS> _o) % %
Am~mXr 134 69 65 52% 48%
nm{b{g`moZ H$s g§»`m 2.82 1.91 0.90 68% 32%
Z`m ì`dgm` àr{_`_ 92,135 62,334 29,801 68% 32%
*àr{_`_ H$amo‹S> én`o _|& *OZg§»`m H$m AZw_mZ `yAmB©S>rEAmB© do~gmBQ> go 2018 H$s pñW{V Ho$ AZwgma
4. 19 amÁ`m| / g§K amÁ` joÌm| _| Hw$b nm°{b{g`m| _| go _{hbmAm| Ûmam IarXr JB© nm°{b{g`m| H$s g§»`m H$m A§e 32% Ho$ A{Ib ^maVr`
Am¡gV go A{YH$ h¡& {ZåZ{b{IV gmaUr _| CƒV_ Am¡a {ZåZV_ nm±M amÁ`m|/ g§KamÁ` joÌm| H$m So>Q>m Cg amÁ`/ g§KamÁ` joÌ _| ~oMr JB©
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Ho$ EH$_mÌ OrdZ ~r_mH$Vm©, ^maVr` OrdZ ~r_m {ZJ_
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(EbAmB©gr) Ho$ H$m`m©b` Xoe _| 718 {Obm| _| go 614 {Obm|
88.30% H$mo gpå_{bV {H$`m h¡& Xoe _| OrdZ ~r_m H$m`m©b`m|
_| h¢& Bg pñW{V Ho$ hmoVo hþE BgZo Xoe _| g^r {Obm| Ho$ 85.51%
20dm{f©H$ [anmoQ©>
2017-18
H$s CnpñW{V go a{hV {Obm| H$s g§»`m 83 h¡& BZ_| go, 36 Zo (ñQ¢>S>AbmoZ ñdmñÏ` ~r_mH$Vm©Am| g{hV) {nN>bo df© H$s
{Obo CÎma-nydu amÁ`m| Ho$ h¢, AWm©Ë AéUmMb àXoe, _{Unwa, VwbZm _| df© 2017-18 Ho$ {bE Omo{I_-A§{H$V àr{_`_ _|
_oKmb`, {_Omoa_, ZJmb¢S> Am¡a {g{¸$_& 22 amÁ`m| / g§K d¥{Õ H$s gyMZm Xr&
amÁ`joÌm| (Xoe Ho$ Hw$b 36 amÁ`m| / g§K amÁ`joÌm| _| go) _|
.3.32 gaH$mar joÌ Ho$ gmYmaU ~r_mH$Vm©Am| Ho$ _m_bo _|
I
g^r {Obo OrdZ ~r_m H$m`m©b`m| Ûmam em{_b {H$`o J`o h¢&
g^r Mma H§$n{Z`m| Zo àr{_`_ g§J«hUm| Ho$ g§~§Y _| d¥{Õ Ho$ gmW
gmYmaU ~r_m AnZo ì`dgm` H$m {dñVma {H$`m& VWm{n, gaH$mar joÌ Ho$ g^r
~r_mH$Vm©Am| H$m ~mOma A§e {nN>bo df© H$s VwbZm _| H$_ hþAm&
àr{_`_
Amo[a`ÝQ>b H$m ~mOma A§e {nN>bo df© Ho$ 8.43 à{VeV go
.3.29 gmYmaU ~r_m CÚmoJ Zo ^maV _| 2016-17 Ho$ KQ>H$a 2017-18 _| 7.60 à{VeV hþAm, ZoeZb H$m ~mOma
I
é.128128 H$amo‹S> H$s VwbZm _| df© 2017-18 _| ^maV _| A§e {nN>bo df© Ho$ 11.11 à{VeV H$s VwbZm _| 2017-18 _|
é.150662 H$amo‹S> Ho$ Hw$b àË`μj àr{_`_ H$m Omo{I_-A§H$Z 10.75 à{VeV VH$ H$_ hþAm VWm `wZmBQo>S> B§{S>`m Ho$ ~mOma
{H$`m Am¡a Bg àH$ma {nN>bo df© _| XO© 32.94 à{VeV H$s A§e _| {nN>bo df© Ho$ 12.54 à{VeV go 2017-18 _| 11.57
d¥{Õ Xa H$s VwbZm _| 17.59 à{VeV H$s d¥{Õ Xa XO© H$s& à{VeV VH$ {JamdQ> hþB©& Ý`y B§{S>`m H$m ~mOma A§e 2016-17
gaH$mar joÌ Ho$ ~r_mH$Vm©Am| Zo {nN>bo df© H$s 26.27 à{VeV Ho$ 14.92 à{VeV go ~‹T>H$a 2017-18 _| 15.08 à{VeV
d¥{Õ Xa H$s VwbZm _| 2017-18 _| 12.58 à{VeV H$s d¥{Õ hmo J`m& Ý`y B§{S>`m, {OgZo é.22719 H$amo‹S> Ho$ àË`j àr{_`_
àX{e©V H$s& {ZOr gmYmaU ~r_mH$Vm©Am| Zo {nN>bo df© Ho$ Xm¡amZ H$m g§J«hU {H$`m, EH$ ~ma nwZ… ^maV _o± g~go ~‹S>r gmYmaU
àmá 35.55 à{VeV d¥{Õ Xa Ho$ _wH$m~bo 21.59 à{VeV H$s ~r_m H§$nZr ahr&
d¥{Õ Xa XO© H$s&
gmaUr .25
I
.3.30 ñQ¢>S>AbmoZ ñdmñÏ` ~r_mH$Vm©Am| Zo {nN>bo df© H$s ^maV _ | gH$b àË`j àr{_`_ Am`
I
41.06 à{VeV d¥{Õ Xa H$s VwbZm _| 41.93 à{VeV H$s d¥{Õ gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm©
(H$amo‹S> én`o)
Xa XO ©H$s VWm {defo rH$¥V ~r_mH$VmA© m |Z o{nN>b odf ©H$s 70.33
~r_mH$Vm© 2016-17 2017-18
à{VeV H$s d¥{Õ H$s VwbZm _| 10.75 H$s d¥{Õ Xa XO© H$s&
gaH$mar joÌ ~r_mH$Vm© 60218.36 67794.23
.3.31 2017-18 _| 27 {ZOr joÌ ~r_mH$Vm©Am| Ûmam 26.27% 12.58%
I
(ñQ¢>S>AbmoZ ñdmñÏ` ~r_mH$Vm©Am| g{hV) Omo{I_-A§{H$V {ZOr joÌ ~r_mH$Vm© 53804.96 65419.82
35.55% 21.59%
àr{_`_ 2016-17 H$o é.59663 H$amS‹o > H$s Vbw Zm _ |é.73734
H$amo‹S> Wm& AmB©grAmB©grAmB© bmoå~mS©> Zo bJmVma {ZOr joÌ ñQ¢>S>AbmoZ ñdmñÏ` ~r_mH$Vm© 5857.83 8314.28
41.06% 41.93%
H$s g~go ~‹S>r gmYmaU ~r_m H§$nZr Ho$ ê$n _| AnZm ñWmZ Omar
{deofrH¥$V ~r_mH$Vm© 8247.19 9133.81
aIm, {OgH$m ~mOma A§e {nN>bo df© Ho$ 8.37 à{VeV Ho$
70.33% 10.75%
~mOma A§e Ho$ _wH$m~bo Mmby df© _| 8.20 à{VeV ahm& ~OmO
Hw$b 128128.34 150662.13
Abm`§μO {ZOr joÌ H$s Xygar g~go ~‹S>r gmYmaU ~r_m H§$nZr
32.94% 17.59%
h¡, {OgZo é.9445 H$amo‹S> Ho$ Hw$b àr{_`_ H$m Omo{I_-A§H$Z
{Q>ßnUr: à{VeV _| A§H$ {nN>bo df© H$s VwbZm _| d¥{Õ Xem©Vm h¡& .
{H$`m, 2016-17 Ho$ 5.96 à{VeV Ho$ ~mOma A§e H$s VwbZm
~r_mH$Vm© Ûmam {nN>bo df© Ho$ Am§H$‹S>m| _| nwZ…dJuH$aU /nwZ…g_yhrH$aU,
_| g_rjmYrZ df© _| 6.27 à{VeV VH$ d¥{Õ gy{MV H$s& df© `{X H$moB© hmo, na {dMma Zht {H$`m J`m h¡&
2017-18 _| n[aMmbZ _| bJo hþE g^r 27 {ZOr ~r_mH$Vm©Am|
21dm{f©H$ [anmoQ©>
2017-18
gmaUr .26 ^maV _ | gH$b àË`j àr{_`_ Am`…
I
gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm©-dma
MmQ>© .15 ^maV _ | gH$b àË`j
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(H$amo‹S> én`o)
àr{_`_ Am`: gmYmaU ~r_mH$Vm©
~r_mH$Vm© Hw$b àr{_`_ ~mOma A§e
2016-17 2017-18 2016-17 2017-18
gaH$mar jÌo ~r_mH$Vm©
ZoeZb 14237.54 16,193.55 11.11% 10.75%
160000
Ý`y B§{S>`m 19114.69 22,718.76 14.92% 15.08%
Amo[a`ÝQ>b 10803.34 11,451.97 8.43% 7.60%
140000
`wZmBQo>S> 16062.8 17,429.95 12.54% 11.57%
120000 Cn-Omo‹S> I 60218.37 I 67,794.23I 47.00% I 45.00%
{ZOr jÌo ~r_mH$Vm©
100000 E¸$m oOZab bmJ yZht 0.92 bmJ yZht 0.00%
l
i' ~OmO Abm`§μO 7633.28 9,445.22 5.96% 6.27%
80000 ^maVr AŠgm 1314.09 1,753.58 1.03% 1.16%
Mmob_§S>b_ 3133.28 4,102.57 2.45% 2.72%
60000
S>rEME\$Eb OZab bmJ yZht 141.07 bmJ yZht 0.09%
ES>obdBo g OZab bmJ yZht 1.30 bmJ yZht 0.00%
40000
\$`My a OZambr 1815.5 1,906.37 1.42% 1.27%
Jm o{S>{OQ> bmJ yZht 93.74 bmJ yZht 0.06%
20000
EMS>rE\$gr EaJmo* 2224.16 7,289.97 1.74% 4.84%
EMS>rE\$gr EaJmo** 3964.45 bmJy Zhr§* 3.09% bmJy Zhr*
0
mcmt f.r-it &J;[ "ITT~ ~ 3W] (ndy ©_ |EbQ>r OZ.)
&J;[ ~ Bm'~ ~ AmB©grAmB©grAmB© bmoå~mS©> 10725.2 12,356.85 8.37% 8.20%
~ ~ BâH$mo Q>mo{H$`mo 5563.7 5,631.89 4.34% 3.74%
■2016-17 ■2017-18 H$moQ>H$ _{hÝÐm 82.05 185.39 0.06% 0.12%
{b~Q>u OZab*** 584.59 816.53 0.46% 0.54%
_J¡ _m EMS>rAmB© 419.49 526.69 0.33% 0.35%
ahoOm Š`y~rB© 58.92 83.45 0.05% 0.06%
[abm`§g 3935.35 5,069.08 3.07% 3.36%
am°`b gw§Xa_ 2188.78 2,623.44 1.71% 1.74%
Eg~rAmB© 2604.49 3,544.20 2.03% 2.35%
MmQ©> .16 : gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm©Am|
I lram_ 2102.42 2,100.76 1.64% 1.39%
H$m gH$b àË`j àr{_`_ 5 df© Q>mQ>m EAmB©Or 4167.97 5,435.92 3.25% 3.61%
`y{Zdg©b gmoånmo 1287.23 2,310.86 1.00% 1.53%
Cn-Omo‹S> 53804.95 65,419.82 41.99% 43.42%
ñQ>¢S>AbmZo ñdmñÏ` ~r_mH$Vm©
160000
Am{XË` {~‹S>bm 54.04 243.17 0.04% 0.16%
140000 Anmobmo å`y{ZI 1301.93 1,717.51 1.02% 1.14%
{gJZm Q>rQ>rHo$ 221.8 346.40 0.17% 0.23%
1 120000
_¡Šg ~ynm 593.93 754.47 0.46% 0.50%
,.gg•1 00000 aobrJoa 726.07 1,091.61 0.57% 0.72%
.15'
80000 ñQ>ma hoëW 2960.05 4,161.11 2.31% 2.76%
Cn-Omo‹S> 5857.83 8,314.28 4.57% 5.52%
60000
{deofrH¥$V ~r_mH$Vm©
40000 EAmB©gr 6979.56 7,893.39 5.45% 5.24%
20000 B©grOrgr 1267.62 1,240.42 0.99% 0.82%
Cn-Omo‹S> 8247.19 9,133.81 6.44% 6.06%
2013-14 2014-15 2015-16 2016-17 2017-18 Hw$b-Omo‹S> I1 28128.34 I 1 50,662.13I1 00.00% I1 00.00%
* ndy ©H$s EMS>rE\$gr EaJm oOZab Bí§`maog| H$§nZr {b. H$m {db` 01.01.2017 g.o EbEÊS>Q>r OZab
~ mq;ma_br~
Bí§`maog| H$§nZr {b. H$o gmW {H$`m J`m& ** EbEÊS>Q>r OZab Bí§`maog| H$§nZr .{b. H$m Zm_ ~XbH$a
~ ~$~
EMS>rE\$gr EaJm oOZab Bí§`maog| H$§nZr {b. H$o ê$n _ |aIm J`m& *** ndy ©H$s {b~Q>u dr{S>`mHo $mZ°
~ ~3wrt,~v:r~
OZab Bí§`mao |H$§nZr {b.&.
~ Rl!ilifi'f>d~ bmJ yZht *{Z{Xï© > H$aVm h ¡{H$ ~r_mH$Vm ©H$m ì`dgm` VXZêw $nr {dÎmr` df ©H$o Xma¡mZ n[aMmbZ _ |Zht Wm&
~ ffl {Q>ßnUr: {nN>b odf ©H$o AmH§ $S‹ >m |_ |~r_mH$Vm ©Ûmam nZw …dJuH$aU/nZw …g_hy Z, `{X H$mBo ©hm,o na {dMma Zht
{H$`m J`m h&¡
22dm{f©H$ [anmoQ©>
2017-18
IS§ >-dma àr{_`_ gmaUr .27
I
gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm©Am| Ûmam Omo{I_-
.3.33 _moQ>a ì`dgm` g~go ~‹So> gmYmaU ~r_m I§S> Ho$ ê$n A§{H$V àr{_`_ (^maV Ho$ A§Xa) I§S>-dma
I
(H$amo‹S> én`o)
_| Omar ahm {OgH$m A§e 39.32 à{VeV (2016-17 _|
I§S> 2016-17 2017-18
39.22 à{VeV) Wm& BgZo 17.90 à{VeV H$s d¥{Õ Xa gy{MV
\$m`a 9538.01 10780.70
H$s (2016-17 _| 18.79 à{VeV)& ñdmñÏ` I§S> _| àr{_`_
7.44% 7.16%
g§J«hU bJmVma CËWmZ na Wm Omo 2016-17 Ho$ é.34,527
_arZ 2917.47 2894.66
H$amo‹S> go ~‹T>H$a 2017-18 _| é.41,981 H$amo‹S> na AJ«ga
2.28% 1.92%
ahm Am¡a BgZo 21.59 à{VeV H$s d¥{Õ XO© H$s& ñdmñÏ` I§S>
_moQ>a 50250.53 59246.11
H$m ~mOma A§e {nN>bo df© Ho$ 26.95 à{VeV go ~‹T>H$a 27.86 39.22% 39.32%
à{VeV hAþ m& A{¾ (\$m`a) g oàr{_`_ gJ§ h« U 13.03 à{VeV
AÝ` 65422.33 77740.65
~‹T>m, VWm _arZ I§S> Ho$ {bE `h 2017-18 _| 0.78 à{VeV 51.06% 51.60
KQ>m O~{H$ {nN>bo df© Ho$ {bE A{¾ (\$m`a) Am¡a _arZ I§S>m| H$wb àr{_`_ 128128.34 150662.13
_| d¥{Õ Xa H«$_e… 9.24 à{VeV Am¡a -2.24 à{VeV Wt& {Q>ßnUr…: 1.à{VeV _| Am§H$‹So> g§~§{YV I§S> H$m AZwnmV (à{VeV _§) Xem©Vo h¢&
2. Cn`º©w $ AmH§ $S‹ >m |_ |{defo rH$¥V ~r_mH$VmA© m |Ama¡ ñQ>¢S>AbmZo ñdmñÏ` ~r_H$VmA© m|
H$m àr{_`_ em{_b h¡&
3. AÝ` _| ñdmñW`, d¡`{º$H$ XwK©Q>Zm Am¡a `mÌm ~r_m em{_b h¡Ÿ&
MmQ>© 1.17
gmYmaU Am¡a ñdmñÏ` ~r_mH$VmAm| Ûmam Omo{I_-A§{H$V àr{_`_ (^maV Ho$ A§Xa) - I§S>-dma
-~
■ lKR
52%
39% ■ ~ 39%
■ 3A
23dm{f©H$ [anmoQ©>
2017-18
^maV Ho$ ~mha Omo{I_-A§{H$V àr{_`_ gmaUr .28
I
Hw$b àr{_`_ H$s VwbZm _| ^maV
.3.34 gaH$mar joÌ Ho$ g^r ~r_mH$Vm© (`wZmBQo>S> B§{S>`m H$mo
I Ho$ ~mha àr{_`_ H$m AZwnmV
N>mo‹S>H$a) ^maV Ho$ ~mha gmYmaU ~r_m ì`dgm` H$m Omo{I_-
(à{VeV _|)
A§H$Z H$a aho h¢& `wZmBQo>S> B§{S>`m Zo ^maV Ho$ ~mha n[aMmbZ
~r_mH$Vm© 2016-17 2017-18
2003-04 _| g_má {H$`o Wo& gaH$mar joÌ Ho$ VrZ ~r_mH$Vm©Am|
ZoeZb 0.31 0.31
Ûmam Xoe Ho$ ~mha Omo{I_-A§{H$V Hw$b àr{_`_ 2016-17 Ho$
Ý`y B§{S>`m 11.5 9.70
é.2,842 H$amo‹S> Ho$ _wH$m~bo 2017-18 _| é.2,776 H$amo‹S>
Amo[a`ÝQ>b 2.82 2.43
na ahm {OgZo {nN>bo df© H$s 3.79 à{VeV {JamdQ> H$s VwbZm
`wZmBQo>S> - -
_| 2.33 à{VeV H$s {JamdQ> XO© H$s& ^maV Ho$ ~mha Omo{I_-
{Q>ßnUr: {nN>bo df© Ho$ Am§H$‹S>m| _| ~r_mH$Vm© Ûmam nwZ…dJuH$aU /
A§{H$V àr{_`_ gmYmaU ~r_mH$Vm©Am| Ûmam Omo{I_-A§{H$V
nwZ…g_yhZ, `{X H$moB© hmo, na {dMma Zht {H$`m J`m h¡&
Hw$b àr{_`_ H$m 1.81 à{VeV Wm ({deofrH¥$V ~r_mH$Vm©Am|
Am¡a ñQ¢>S>AbmoZ ñdmñÏ` ~r_mH$Vm©Am| g{hV) O~{H$ {nN>bo gmaUr I.29
df© _| `h 2.17 à{VeV Wm& ^maV H$o ~mha ì`dgm` g o gH$b
àË`j àr{_`_
.3.35 ^maV Ho$ ~mha Omo{I_-A§{H$V àr{_`_ Ho$ Vm¡a na Ý`y (H$amo‹S> én`o)
I
B§{S>`m bJmVma gaH$mar joÌ H$m g~go ~‹S>m gmYmaU ~r_mH$Vm©
~r_mH$Vm© 2016-17 2017-18
ahm& Cº$ {dXoer àr{_`_ 2017-18 _| Cº$ ~r_mH$Vm© Ûmam
ZoeZb 44.83 50.13
Omo{I_-A§{H$V Hw$b àr{_`_ H$m 9.70 à{VeV (2016-17
4.48% 11.82%
_| 11.50 à{VeV) h¡& Amo[a`ÝQ>b Ho$ _m_bo _| `h 2017-18
Ý`y B§{S>`m 2483.22 2,440.55
_| 2.43 à{VeV (2016-17 _| 2.82 à{VeV) h¡& ZoeZb
-5.00% -1.72%
B§í`moa|g 2017-18 _| 0.31 à{VeV na bJmVma {dXoer
Amo[a`ÝQ>b 313.68 284.86
ì`dgm` H$m EH$ N>moQ>m KQ>H$ AnZo nmg aIm (2016-17 _|
5.67% -9.19%
0.31 à{VeV gy{MV)&
`wZmBQo>S> - -
.3.36 2017-18 _ |^maV H$o ~mha Om{oI_-A{§H$V é.2776 - -
I
H$amo‹S> Ho$ Hw$b àr{_`_ _| go Ý`y B§{S>`m Zo é.2441 H$amo‹S> Ho$
Hw$b 2841.73 2,775.54
CƒVa àr{_`_ H$m Omo{I_-A§H$Z {H$`m (2016-17 _| -3.79% -2.33%
é.2483 H$amo‹S>), gmYmaU ~r_mH$Vm©Am| Ho$ Hw$b ^maV Ho$ ~mha
{Q>ßnUr : à{VeV _| Am§H$‹So> {nN>bo df© H$s VwbZm _| d¥{Õ Xem©Vo h¢;;
àr{_`_ _| BgH$m ~mOma A§e 2016-17 Ho$ 87.38 à{VeV
{nN>bo df© Ho$ Am§H$‹S>m| _| ~r_mH$Vm© Ûmam nwZ…dJuH$aU / nwZ…g_yhZ, `{X
go ~‹T>H$a 2017-18 _| 87.93 à{VeV hmo J`m& ZoeZb H$moB© hmo, na {dMma Zht {H$`m J`m h¡&
B§í`moa|g Zo 2017-18 _| é. 50 H$amo‹S> Ho$ àr{_`_ H$m Omo{I_-
{H$`m Am¡a Bg àH$ma {dÎmr` df© 2017-18 Ho$ Xm¡amZ 10.4%
A§H$Z {H$`m (2016-17 _| é. 45 H$amo‹S>)& ^maV Ho$ ~mha
H$s d¥{Õ ({dÎmr` df© 2016-17 _| 25.2% d¥{Õ) gy{MV H$s&
Amo[a`ÝQ>b B§í`moa|g Ûmam Omo{I_-A§{H$V àr{_`_ é. 285
gaH$mar joÌ Ho$ ~r_mH$Vm©Am| Zo Omar H$s JB© nm°{b{g`m| H$s
H$amo‹S> na Wm Omo {nN>bo df© Ho$ é.314 H$amo‹S> H$s VwbZm _| H$_
g§»`m _| {JamdQ> XoIr& CÝhm|Zo {dÎmr` df© 2017-18 Ho$ Xm¡amZ
ahm Am¡a Bg àH$ma BgZo 9.19 à{VeV H$s {JamdQ> XO© H$s&
Omar H$s JB© nm°{b{g`m| H$s g§»`m _| 6.4% {JamdQ> gy{MV H$s
{ZOr gmYmaU ~r_m H§$n{Z`m| Zo ^maV Ho$ ~mha {H$gr àr{_`_
({dÎmr` df© 2016-17 _| 27.0% {JamdQ> Wr)& {ZOr joÌ Ho$
H$m Omo{I_-A§H$Z Zht {H$`m&
~r_mH$Vm©Am| Zo {dÎmr` df© 2017-18 _| Omar H$s JB© nm°{b{g`m|
Omar H$s JB© nm°{b{g`m| H$s g§»`m H$s g§»`m _| 26.1% H$s d¥{Õ ({dÎmr` df© 2016-17 _|
13.6 à{VeV d¥{Õ) gy{MV H$s& {deofrH¥$V ~r_mH$Vm©Am| Zo
.3.37 gmYmaU ~r_mH$Vm©Am| Zo (ñQ¢>S>AbmoZ ñdmñÏ`
I {dÎmr` df© 2017-18 Ho$ Xm¡amZ Omar H$s JB© nm°{b{g`m| H$s
~r_mH$Vm©Am| H$mo N>mo‹S>H$a) {dÎmr` df© 2016-17 _| Omo{I_-
g»§ `m _ |79.2% H$s d{¥Õ ({dÎmr` df ©2016-17 _ |508.8%
A§{H$V 1,542.63 bmI nm°{b{g`m| H$s VwbZm _| {dÎmr` df©
d¥{Õ) gy{MV H$s&
2017-18 _| 1,707.30 bmI nm°{b{g`m| H$m Omo{I_-A§H$Z
24dm{f©H$ [anmoQ©>
2017-18
gmaUr .30 gmaUr .31
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g^r OrdZ ~r_mH$Vm©Am| Zo AnZr H§$nZr {d{eï> Zr{V ~ZmB© h¡ AmB©AmaS>rEAmB© Zo bmBg|grH$aU Ho$ {bE {d{Z`_ Omar {H$`o
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38dm{f©H$ [anmoQ©>
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CËnmXm| Ho$ \$mBb EÊS> `yμO Ho$ g§~§Y _| {Xem{ZX}e Omar {H$`o h¢& (AñnVmb) Ho$ ~rM H$ama& `o {Xem{ZX}e Añnï>Vm H$mo Xya H$aVo
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Am¡a AmB©AmaS>rE (g§~Õ CËnmX) {d{Z`_, 2013 Omo H«$_e…
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nhbwAm| H$m _mZH$sH$aU àXmZ H$aVo h¢ O¡go, ñdmñÏ` nm°{b{g`m|
(nm°{bgrYmaH$m| Ho$ {hVm| H$m g§ajU) {d{Z`_, 2017 _|
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11 â`yMa OZambr OZab B§í`moa|g H§$nZr {b. 15.00 1.00% 28.36 1.42%
12 am°`b gw§Xa_ Abm`§g B§í`moa|g H§$nZr {b. 15.00 1.00% 27.92 1.40%
13 {b~Q>u dr{S>`moH$m°Z OZab B§í`moa|g H§$nZr {b. 15.11 1.01% 20.96 1.05%
14 ZoeZb B§í`moa|g H§$nZr {b. 170.72 11.38% 177.62 8.88%
15 gaH$mar ~r_m {Z{Y, JwOamV 15.00 1.00% 20.00 1.00%
16 lram_ OZab B§í`moa|g H§$nZr {b. 15.00 1.00% 20.00 1.00%
17 Eg~rAmB© OZab B§í`moa|g H§$nZr {b. 5.00 0.33% 15.62 0.78%
18 ^maVr AŠgm OZab B§í`moa|g H§$nZr {b. 15.11 1.01% 15.11 0.76%
19 EMS>rE\$gr EaJmo OZab B§í`moa|g H§$nZr {b. 15.11 1.01% 15.00 0.75%
20 _¡J_m EMS>rAmB© OZab B§í`moa|g H§$nZr {b. 7.50 0.50% 10.32 0.52%
21 H$moQ>H$ _{hÝÐm OZab B§í`moa|g H§$nZr {b. 7.50 0.50% 10.00 0.50%
22 `y{Zdg©b gmoånmo OZab B§í`moa|g H§$nZr {b. 9.99 0.67% 10.00 0.50%
23 ahoOm Š`y~rB© OZab B§í`moa|g H§$nZr {b. 0.75 0.05% 1.00 0.05%
24 EbEÊS>Q>r OZab B§í`moa|g H§$nZr {b. 15.11 1.01% EMS>rE\$gr EaJmo Ho$ gmW {db{`V
Hw$b 1500.00 100% 2000.00 100%
46dm{f©H$ [anmoQ©>
2017-18
Bg g_yh (nyb) H$m à~§YZ ^r OrAmB©gr AmaB© Ûmam {H$`m .4.3.13 ^maV d¡pídH$ nwZ~u_m Ho$ÝÐ (h~) Ho$ ê$n _|
I
OmVm h¡ Ohm± à{V ñWmZ é.1500 H$amo‹S> H$s j{Vny{V© gr_m h¡&
EH$ Amoa {ZåZ ~r_m ì`mnZ ñVam| Am¡a Xygar Amoa àmH¥${VH$
Cº$ nyb Xoe _| Ý`ypŠb`a n[aMmbH$m| Am¡a Ý`ypŠb`a
{dn{Îm`m| Ho$ {bE A{YH$ Agwa{jVVm Ho$ hmoVo hþE, EH$ d¡pídH$
Amny{V©H$Vm©Am| H$mo ^r ~r_majm CnbãY H$amVm h¡&
nwZ~u_m Ho$ÝÐ (h~) Ho$ ê$n _| ^maV H$s g§d¥{Õ H$mo g_W© ~ZmZo
Cº$ nyb H$s 2017-18 Ho$ {bE àr{_`_ Am` é.100.00 Ho$ {bE ^maVr` ~r_m CÚmoJ Ho$ nmg AmH«$m_H$ Vm¡a na Am¡a
H$amo‹S> h¡, Omo 2016-17 _| àr{_`_ Am` Ho$ g_mZ h¡& df© g_mdoer ê$n go {dñVma H$aZo H$s n`m©á Jw§OmBe h¡&
2017-18 _| Cº$ nyb Ûmam {H$gr Xmdo H$m ^wJVmZ Zht {H$`m
^maVr` gmYmaU ~r_m {ZJ_ (OrAmB©gr AmaB©) H$mo 1972 _|
J`m h¡&
^maV gaH$ma H$s EH$ nyU©V… ñdm{_Ëd-àmá H§$nZr Ho$ ê$n _|
gmaUr .48 ñWm{nV {H$`m J`m Wm, `h A~ VH$ Xoe Ho$ ~r_m joÌ _| à_wI
I
^maVr` Zm{^H$s` ~r_m g_yh (nyb) _| gXñ`m| H$m A§e
{Ibm‹S>r ahm& hmb _| {H$`o J`o AZoH$ {d{Z`m_H$ n[adV©Zm| Zo
( H$amo‹S>)
` ZB© g§ñWmAm| Ho$ àdoe Ho$ {bE _mJ© àeñV {H$`m, O¡go bm°`S²>g
H«$_ H§$nZr H$m Zm_ àXÎm
B§{S>`m VWm {dXoer nwZ~u_mH$Vm©Am| H$s emImE± (AWm©Ë pñdg
g§. j_Vm
AmaB©, å`y{ZI AmaB©, ñH$moa EgB©, AmaOrE, h¡Zmoda AmaB©,
1 OrAmB©gr AmaB© 600.00
EŠgEb H¡$Q>{bZ, OZ. AmaB© Am{X)& BZ emImAm| go Ano{jV
2 Ý`y B§{S>`m Eí`moa|g 300.00
h¡ {H$ do ^maVr` ì`dgm` Ho$ 50% H$m Ý`yZV_ à{VYmaU ~Zm`o
3 `wZmBQo>S> B§{S>`m B§í`moa|g 200.00
aI|& AmB©Q>rAmB© AmaB©, {Ogo Xoe _| nwZ~u_m ì`dgm` H$aZo Ho$
4 Amo[a`ÝQ>b B§í`moa|g 100.00
{bE bmBg|g àXmZ {H$`m J`m h¡, Xygam ^maVr` nwZ~u_mH$Vm©
5 ZoeZb B§í`moa|g 100.00
h¡&
6 AmB©grAmB©grAmB© bmoå~mS©> 100.00
7 [abm`§g OZab B§í`moa|g 20.00 ^maVr` nwZ~u_m joÌ _| A~ nwZ~u_m Ho$ {bE EH$ ñdñW Am¡a
8 Q>mQ>m EAmB©Or OZab B§í`moa|g 20.00 à{V`moJr ~mOma H$mo ~‹T>mdm XoZo Ho$ {bE AÀN>r g§»`m _| {Ibm‹S>r
9 BâH$mo-Q>mo{H$`mo OZab B§í`moa|g 20.00 CnbãY h¢& Kaoby Vm¡a na {d{Z`{_V BZ g§ñWmAm| Ho$ A{V[aº$
10 Mmob_§S>b_ OZab B§í`moa|g 15.00 Eogo H$B© gr_mnma nwZ~u_mH$Vm© (360 go ^r A{YH$, bm°`S²>g
11 Eg~rAmB© OZab B§í`moa|g 15.00 qg{S>Ho$Q>m| H$mo {_bmH$a) h¢ Omo ^maVr` nwZ~u_m ~mOma _|
12 `y{Zdg©b gmoånmo OZab B§í`moa|g 10.00 gh^m{JVm H$aVo h¢& ^maV _| AnZr emImE± ImobZodmbo
Hw$b 1500.00 A§Vaamï´>r` nwZ~u_mH$Vm©Am| H$s g§»`m _| d¥{Õ hmoZo Ho$ gmW hr,
`h Amem H$s OmVr h¡ {H$ `h j_Vm Am¡a ~‹To>Jr Omo {ZH$Q>
Xr Ý`y B§{S>`m Eí`moa|g H§$nZr {b. Zo Xmo CËnmX AWm©Ë Zm{^H$s`
^{dî` _| ^maV _| EH$ nwZ~u_m Ho$ÝÐ (h~) H$s ñWmnZm _|
Amny{V©H$Vm© H$s ~r_m nm°{bgr Am¡a Zm{^H$s` n[aMmbH$ H$m
n[aUV hmoJr&
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AZw_moXZ àm{YH$aU Ûmam {H$`m J`m h¡&
gmaUr .49
I
nZw ~u_mH$VmA© m | H$m gH$b àr{_`_
( H$amo‹S>)
`
nwZ~u_mH$Vm© gH$b nZw ~u_m gH$b nZw ~u_m H$wb nZw ~u_m àr{_`_
àr{_`_ Am` àr{_`_ Am` Am` (^maVr` d
(^maVr` ì`dgm`) ({dXeo r ì`dgm`) {dXeo r ì`dgm`)
OrAmB©gr AmaB© 29812.91 11986.46 41799.37
E\$Ama~r/bm°`S²>g 5996.40 22.45 6018.85
Hw$b 35809.31 12008.91 47818.22
47dm{f©H$ [anmoQ©>
2017-18
gmaUr .50
I
nwZ~u_m g§ñWmAm| Ho$ ì`mdgm{`H$ Am§H$‹So> 2017-18
( H$amo‹S>)
`
nwZ~u_mH$Vm© gH$b nZw ~u_m gH$b nZw ~u_m H$wb nZw ~u_m àr{_`_
àr{_`_ Am` àr{_`_ Am` Am` (^maVr` d
(^maVr` ì`dgm`) ({dXeo r ì`dgm`) {dXeo r ì`dgm`)
OrAmB©gr AmaB© 29812.91 11986.46 41799.37
pñdg AmaB© 2114.00 3.00 2117.00
å`y{ZI AmaB© 1287.35 19.45 1306.80
ñH$moa 1189.82 0.00 1189.82
h¡Zmoda 570.63 0.00 570.63
AŠgm dr 515.00 0.00 515.00
EŠgEb H¡$Q> 177.33 0.00 177.33
OZ AmaB© 67.34 0.00 67.34
AmaOrE 48.92 0.00 48.92
EpåbZ
(bm°`S²>g) 26.00 0.00 26.00
AmB©Q>rAmB© AmaB© 0.00 0.00 0.00
Hw$b Omo‹S> 35809.31 12008.91 47818.22
EH$ joÌr` nwZ~u_m Ho$ÝÐ (h~) go `wº$ hmoZo _| ~hþg§»`H$ H$maH$
dV_© mZ nZw ~u_m {d{Z`m_H$ T>mM± m ^maV _ |nZw ~u_m h~ H$o {Z_mU©
^maV Ho$ {bE AZwHy$b h¢& ^m¡Jmo{bH$ ê$n go ^maV X{jU
Ho$ {bE AZwHy$b h¡&
E{e`m Ho$ Ho$ÝÐñWb _| pñWV h¡ VWm MrZr Am¡a _Ü`-nydu
àm{YH$aU Xoe _| nwZ~u_m n[aÑí` _| hmb H$s J{V{d{Y`m| H$mo
~mOmam| Ho$ gmW BgH$m àoaH$ g§~§Y h¡& Am{W©H$ Ñ{ï> go ^maV
Ü`mZ _| aIVo hþE CÚmoJ H$s J{Verb Amdí`H$VmAm| Ho$ g_dVu
dm§N>Zr` g§d¥{Õ Xa Ho$ gmW EH$ C^aVr AW©ì`dñWm Ho$ ê$n _|
ê$n _| dV©_mZ nwZ~u_m T>m±Mo H$s EH$ ì`mnH$ g_rjm g§nÞ H$s
AJ«ga hmo ahm h¡& n[adoe Ho$ Vm¡a na àmH¥${VH$ {dnXmAm| H$s
h¡& ZB© g§aMZm {ZH$Q> ^{dî` _| EH$ d¡pídH$ nwZ~u_m h~ Ho$ ê$n
~ma§~maVm Am¡a J§^raVm AmnXmAm| Ho$ à^mdm| H$mo H$_ H$aZo Ho$
_| ñWm{nV hmoZo Ho$ {bE ^maV H$s `mÌm _| EH$ CËàoaH$ Ho$ ê$n _|
{bE g{H«$` Am¡a ZdmoÝ_of nwZ~u_m ì`dñWmAm| H$s _m±J H$aVr
H$m`© H$aZo Ho$ {bE à`mg H$aoJr&
h¡& A§{V_ ê$n go, ~r_m g_mdoeZ Am¡a OmJê$H$Vm _| ~‹T>moVar
gmaUr .51
go àË`j ì`dgm` H$s d¥{Õ _| _XX nhþ±MoJr, Omo nwZ~u_m H$s I
gH$b àË`j àr{_`_ H$o à{VeV H$o ê$n _ | gmYmaU
Amdí`H$Vm H$mo ~‹T>mEJr VWm EH$ joÌr` nwZ~u_m Ho$ÝÐ (h~) ~r_mH$Vm©Am| H$m {Zdb à{VYmaU
(g^r nwZ~u_mH$Vm©Am| g{hV)
~ZZo _| ^maV H$s ghm`Vm H$aoJr&
(à{VeV)
JwOamV _| pñWV AmB©E\$Eggr {JâQ> {gQ>r H$m {dH$mg ^r EH$ dJ© 2017-18 2016-17
nwZ~u_m Ho$ÝÐ (h~) Ho$ {Z_m©U H$s {Xem _| EH$ AJ«Jm_r H$X_ A{¾ (\$m`a) 57.14 57.03
_arZ H$mJm} 82.15 85.19
h¡& {d{^Þ ~r_m Am¡a nwZ~u_m \$_m] Zo {JâQ> {gQ>r _| AnZo
_arZ hb 37.23 20.03
n[aMmbZ ñWm{nV H$aZo Ho$ {bE é{M {XImB© h¡ Omo qgJmnwa,
_moQ>a 98.99 97.02
b§XZ, Q>mo{H$`mo Am¡a AÝ` Xoem| _| pñWV d¡pídH$ {dÎmr` Ho$ÝÐm| B§Or{Z`[a¨J 74.72 68.25
{d_mZZ 38.97 27.85
Ho$ gmW à{VñnYm© H$aZo Am¡a CZHo$ gmW ~am~ar H$aZo Ho$ {bE
AÝ` {d{dY 88.57 78.83
{JâQ> {gQ>r H$s g§^mì`Vm H$mo hr Xem©Vm h¡&
Hw$b 90.37 83.17
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2017-18
gmaUr .52
I
gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm©Am| Ûmam ^maV Ho$ A§Xa Am¡a ~mha aIo J`o Ed§ ^maV _| gH$b àË`j A{O©V àr{_`_ Ho$
à{VeV Ho$ ê$n _| nwZ~u_m ì`dgm` H$s _mÌm
(H$amo‹S> én`o)
dJ© 2017-18 2016-17
^maV H$o ^maV H$o ^maV H$o ^maV H$o ^maV H$o ^maV H$o ^maV H$o ^maV H$o
AX§ a aIr AX§ a aIm ~mha aIr ~mha aIm AX§ a aIr AX§ a aIm ~mha aIr ~mha aIm
JB ©am{e J`m à{VeV JB ©am{e J`m à{VeV JB ©am{e J`m à{VeV JB ©am{e J`m à{VeV
\$m`a 5104.32 50.42 2308.14 22.80 3221.04 36.83 2479.34 28.35
_arZ H$mJm} 411.82 18.70 285.07 12.95 297.85 13.89 332.21 15.49
_arZ hb 229.97 46.45 196.88 39.77 997.11 54.27 684.88 37.28
_moQ>a 6418.93 11.43 326.83 0.58 4939.95 10.50 734.78 1.56
{d_mZZ 266.39 67.74 112.32 28.56 192.11 55.20 163.92 47.10
B§Or{Z`[a¨J 715.23 33.75 497.91 23.49 708.73 31.16 607.77 26.72
AÝ` {d{dY 22539.74 33.18 5272.84 7.76 14780.41 24.99 7341.44 12.41
Hw$b 35686.40 25.59 8999.98 6.45 25137.20 20.69 12344.33 10.16
gmaUr .53
I
gH$b àË`j A{OV© àr{_`_ H$o à{VeV H$o ê$n _ | gmYmaU Ama¡ ñdmñÏ`
~r_mH$Vm©Am| H$m {Zdb à{VYm[aV àr{_`_ (à{VeV)
dJ© 2017-18 2016-17
gaH$mar joÌ {ZOr joÌ Hw$b gaH$mar joÌ {ZOr joÌ Hw$b
\$m`a 45.59 6.72 26.77 60.72 25.47 44.40
_arZ H$mJm} 83.06 57.32 68.35 83.04 63.12 72.35
_arZ hb 18.12 -0.37 13.78 11.57 10.26 11.48
_moQ>a 87.71 88.24 87.99 89.23 87.00 88.04
B§Or{Z`[a¨J 62.57 16.65 42.76 63.86 25.20 50.46
{d_mZZ 1.96 8.41 3.70 9.59 54.91 21.54
AÝ` {d{dY 62.66 53.82 59.06 69.79 55.58 64.01
Hw$b 70.09 65.49 67.95 73.92 67.19 70.86
.4.4 ~r_mH$Vm©Am| Ûmam {Zdoem| H$s {ZJamZr ~r_m joÌ Ho$ Hw$b {Zdoe
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2017-18
gmaUr .54
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~r_m joÌ Ho$ Hw$b {Zdoe
(31 _mM © H$s pñW{V H$o AZgw ma)
( H$amo‹S> _|)
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joÌ OrdZ gmYmaU, ñdmñÏ` Am¡a Hw$b
nwZ~u_m
2017 2018 2017 2018 2017 2018
gaH$mar 2275277 2526923 138964 162503 2414241 2689426
(13.25) (11.06) (13.38) (16.94) (13.26) (11.4)
{ZOr 578917 662397 83379 106427 662296 768823
(17.44) (14.42) (27.17) (27.64) (18.58) (16.09)
Hw$b 2854193 3189320 222344 268929 3076537 3458249
(14.07) (11.74) (18.19) (20.95) (14.36) (12.41)
{Q>ßnUr: 1.H$moð>H$ _| Am§H$‹So> {nN>bo df© H$s VwbZm _| à{VeV _| d¥{Õ Xem©Vo h¢&
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{Z{Y`m| H$m 11.86 à{VeV) `y{bn CËnmXm| go&
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gmaUr .55
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OrdZ ~r_mH$Vm©Am| Ho$ Hw$b {Zdoe : loUr-dma
( 31 _mM© H$s pñW{V Ho$ AZwgma)
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am{e à{VeV am{e à{VeV
nma§n[aH$ CËnmX
1 Ho$ÝÐ gaH$ma à{V^y{V`m± 951214 38.44 1069623 38.05
2 amÁ` gaH$ma Am¡a AÝ` AZw_mo{XV à{V^y{V`m± 668430 27.01 792475 28.19
3 Amdmg Am¡a ~w{Z`mXr g§aMZm 200438 8.1 233327 8.3
4 AZw_mo{XV {Zdoe 587576 23.75 642725 22.86
5 AÝ` {Zdoe 66694 2.7 72970 2.6
H$. H$wb (1+2+3+4+5) 2474352 100 2811120 100
`y{bn {Z{Y`m±
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7 AÝ` {Zdoe 18095 4.76 21333 5.64
I. H$wb (6+7) 379841 100 378199 100
Hw$b Omo‹S> (H$+I) 2854193 3189320
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{Z{Y`m| H$m 67.02 à{VeV), n|eZ Am¡a gm_mÝ` dm{f©H$s Ed§
~r_m CÚmoJ Ho$ {Zdoem| H$m A§e 7.78 à{VeV na pñWV h¡& 31
gm_y{hH$ {Z{Y H$m A§eXmZ é.6,73,639 H$amo‹S> (Hw$b {Z{Y`m| _mM© 2018 H$s pñW{V Ho$ AZwgma gmYmaU ~r_m CÚmoJ Ûmam
H$m 21.12 à{VeV) VWm `y{bn {Z{Y H$m A§eXmZ {H$`o J`o {Zdoem| H$s Hw$b am{e {nN>bo df© H$s VXZwê$nr Ad{Y
é.3,78,199 H$amo‹S> (Hw$b {Z{Y`m| H$m 11.86 à{VeV) ahm& Ho$ é.2,22,344 H$amo‹S> H$s VwbZm _| é.2,68,929 H$amo‹S> Wr
VWm Bg àH$ma BgZo 20.95 à{VeV H$s d¥{Õ XO© H$s&
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{Z{Y Am¡a OrdZ {Z{Y H$m A§e H«$_e… 19.84 à{VeV go .4.4.7 31 _mM© 2018 H$s pñW{V Ho$ AZwgma, gmYmaU
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à{VeV hmo J`m h¡& {dÎmr` df© 2017-18 _| OrdZ {Z{Y Am¡a Ed§ AZw_mo{XV {Zdoem| _| H«$_e… é.1,05,864 H$amo‹S> (39.67
à{VeV) Am¡a é.85,388 H$amo‹S> (31.75 à{VeV) H$m {Zdoe
`y{bn {Z{Y`m| H$s _mÌm ~‹T>H$a é.2,29,528 H$amo‹S> VWm é.
{H$`m h¡& 31 _mM© 2018 H$s pñW{V Ho$ AZwgma gmYmaU
1,07,240 H$amo‹S> hmo JB© h¡& `y{bn {Z{Y H$m A§e 13.31
~r_mH$Vm©Am| Ûmam loUr-dma {H$`o J`o {Zdoe Ed§ 31 _mM© 2017
à{VeV go KQ>H$a 11.86 hmo J`m h¡&
H$s pñW{V Ho$ AZwgma VXZwê$nr Am§H$‹So> gmaUr .58 _| {X`o J`o
I
h¢&
gmaUr .56
I
OrdZ ~r_mH$Vm©Am| Ho$ {Zdoe : {Z{Y-dma
(31 _mM © H$s pñW{V H$o AZgw ma)
( H$amo‹S> _|)
`
~r_mH$Vm© OrdZ {Z{Y ne| Z Ama¡ gmYmaU dm{fH© $s `{yZQ> gh~Õ {Z{Y g^r {Z{Y`m | H$m `mJo
Ama¡ gm_{yhH$ {Z{Y
2017 2018 2017 2018 2017 2018 2017 2018
EbAmB©gr 1701866 1883019 502645 600374 70766 43530 2275277 2526923
{ZOr 206087 254462 63754 73265 309075 334411 578916 662137
Hw$b 1907953 2137481 566399 673639 379841 377941 2854193 3189060
(66.85) (67.02) (19.84) (21.12) (13.31) (11.86) (100.00) (100.00)
{Q>ßnUr: 1.H$moð>H$ _| A§H$ Hw$b {Z{Y`m| _| go g§~§{YV {Z{Y`m| H$m à{VeV h¡&
gmaUr .57
I
{Zdoem| H$s d¥{Õ : {Z{Y-dma
(31 _mM © H$s pñW{V H$o AZgw ma)
( H$amo‹S> _|)
`
{Z{Y 2017 2018
Hw$b % _| d¥{Õ Hw$b % _| d¥{Õ
OrdZ 1907953 12.4 2137481 12.03
n|eZ Am¡a gm_mÝ` dm{f©H$s Ed§ gm_y{hH$ {Z{Y 566399 22.02 673639 18.93
nma§n[aH$ (H$) 2474352 14.47 2811119 13.61
`y{ZQ> gh~Õ {Z{Y`m± (I) 379841 11.58 377941 -0.50
H$wb (H$+I) 2854193 14.07 3189060 11.73
51dm{f©H$ [anmoQ©>
2017-18
gmaUr .58
I
gmYmaU, ñdmñÏ` Am¡a nwZ~u_mH$Vm©Am| Ho$ Hw$b {Zdoe : loUr-dma
(31 _mM © H$s pñW{V H$o AZgw ma)
( H$amo‹S> _|)
`
{Zdoem| H$m ñdê$n 2017 2018
Hw$b Hw$b _| % Hw$b Hw$b _| %
Ho$ÝÐ gaH$ma à{V^y{V`m± 54754 24.63 69315 25.77
amÁ` gaH$ma Am¡a AÝ` AZw_mo{XV à{V^y{V`m± 28239 12.7 36549 13.59
Amdmg Ed §Amdmg Ama¡ E\$E\$B ©hVo wamÁ` gaH$ma H$m oF$U 23480 10.56 27554 10.25
~w{Z`mXr g§aMZm {Zdoe 38172 17.17 42322 15.74
AZw_mo{XV {Zdoe 67903 30.54 85388 31.75
AÝ` {Zdoe 9796 4.41 7801 2.9
Hw$b 222344 100 268929 100
{Q>ßnUr : 1.{deofrH¥$V ~r_mH$Vm©Am| Am¡a ^maVr` nwZ~u_m emImAm| Ho$ em{_b {H$`m J`m h¡&
2. E\$E\$B© : A{¾e_Z CnñH$a
VwbZm _| gr_m§V ê$n go ~‹T>H$a {dÎmr` df© 2017-18 _| 21%
.4.5 ñdmñÏ` ~r_m (EMAmB©) ì`dgm`
I
hþAm VWm ñdmñÏ` ~r_m àr{_`_ _| ñQ¢>S>AbmoZ ñdmñÏ`
ñdmñÏ` ~r_m àr{_`_ H$s àd¥{Îm (d¡`{º$H$ XwK©Q>Zm Am¡a ~r_mH$VmA© m |H$m Ae§ {dÎmr` df ©2016-17 H$o 18% g o~T‹ >H$a
`mÌm ~r_m ì`dgm` H$mo N>mo‹S>H$a) {dÎmr` df© 2017-18 _| 21% hmo J`m&
.4.5.1 {dÎmr` df© 2017-18 Ho$ Xm¡amZ gmYmaU Am¡a ñdmñÏ` ~r_m ì`dgm` H$m dJuH$aU
I
ñdmñÏ` ~r_m H§$n{Z`m| Zo ñdmñÏ` ~r_m àr{_`_ Ho$ ê$n _|
.4.5.2 ñdmñÏ` ~r_m ì`dgm` H$mo gaH$ma Ûmam àm`mo{OV
é.37,029 H$amo‹S> g§J¥hrV {H$`o VWm {nN>bo {dÎmr` df© 2016- I
ñdmñÏ` ~r_m, gm_y{hH$ ñdmñÏ` ~r_m (gaH$ma Ûmam àm`mo{OV
17 H$s VwbZm _| 21.8% H$s d¥{Õ XO© H$s& ñdmñÏ` ~r_m
H$m oN>mS‹o >H$a AÝ`) Ama¡ d`¡ {º$H$ ñdmñÏ` ~r_m H$o ê$n _ |dJuH$¥V
àr{_`_ {nN>bo VrZ {dÎmr` dfm] Ho$ Xm¡amZ dfm©Zwdf© 20% go
{H$`m J`m h¡& BZ VrZm| ì`dñWmAm| Ho$ A§eXmZ Ho$ Vm¡a na,
A{YH$ d¥{Õ bJmVma H$a ahm h¡& {dÎmr` df© 2017-18 Ho$
gm_y{hH$ ~r_m H$m A§e 48% na CƒV_ Wm, VWm CgHo$ ~mX
Xm¡amZ gaH$mar joÌ Ho$ Mma gmYmaU ~r_mH$Vm©Am| Zo 58% na
d¡`{º$H$ ì`dgm` (41%) Am¡a gaH$mar ì`dgm` (11%)
A{YH$Va ~mOma A§e Ym[aV H$aZm Omar aIm& VWm{n, gaH$mar
H$m ñWmZ ahm& g§J¥hrV àr{_`_ H$s am{e Ho$ Vm¡a na XmoZm|
joÌ Ho$ ~r_mH$Vm©Am| Ho$ ~mOma A§e Zo {dÎmr` df© 2016-17 _|
d`¡ {º$H$ Ama¡ gm_{yhH$ ì`dgm` (gaH$mar `mOo ZmAm |H$m oN>mS‹o >H$a
63% go {JamdQ> XoIr& Xygar Amoa, {ZOr joÌ gmYmaU
AÝ`) go g§J¥hrV àr{_`_ H$s am{e {nN>bo nm±M dfm] H$s Ad{Y
~r_mH$Vm©Am| H$m A§e {dÎmr` df© 2016-17 Ho$ 19% H$s
_| XwJwZr go A{YH$ hmo JB© h¡&
52dm{f©H$ [anmoQ©>
2017-18
gmaUr .59
I
{nN>bo nm±M dfm] _| ñdmñÏ` ~r_m àr{_`_ H$s àd¥{Îm
(d¡`{º$H$ XwK©Q>Zm Am¡a `mÌm ~r_m ì`dgm` H$mo N>mo‹S>H$a) ( H$amo‹S> _|)
`
joÌ 2013-14 2014-15 2015-16 2016-17 2017-18
gaH$mar joÌ gmYmaU ~r_mH$Vm© 10841 12882 15591 19227 21509
(62) (64) (64) (63) (58)
{ZOr joÌ gmYmaU ~r_mH$Vm© 4482 4386 4911 5632 7689
(26) (22) (20) (19) (21)
ñQ¢>S>-AbmoZ ñdmñÏ` ~r_mH$Vm© 2172 2828 3946 5532 7831
(12) (14) (16) (18) (21)
CÚmoJ Hw$b 17495 20096 24448 30392 37029
dm{f©H$ d¥{Õ Xa (% _|) 13.20% 14.90% 21.70% 24.30% 21.80%
{Q>ßnUr : H$moð>H$ _| Am§H$‹So> Hw$b ñdmñÏ` ~r_m àr{_`_ _| ~mOma A§e Xem©Vo h¢& Cº$ So>Q>m _| {dXoem| _| {H$`o J`o ñdmñÏ` ~r_m ì`gm` H$m {ddaU em{_b Zht h¡&
gmaUr .60
I
ñdmñÏ` ~r_m àr{_`_ H$m dJuH$aU
(d¡`{º$H$ XwK©Q>Zm Am¡a `mÌm ~r_m ì`dgm` H$mo N>mo‹S>H$a) ( H$amo‹S> _|)
`
ì`dgm` H$m dJ© 2013-14 2014-15 2015-16 2016-17 2017-18
gaH$mar ì`dgm` 2082 2425 2474 3090 3981
(12) (12) (10) (10) (11)
gm_y{hH$ ì`dgm` (gaH$mar ì`dgm` H$mo N>mo‹S>H$a) 8057 8898 11621 14718 17757
(46) (44) (48) (48) (48)
d¡`{º$H$ ì`dgm` 7355 8772 10353 12584 15291
(42) (44) (42) (41) (41)
Hw$b Omo‹S> 17495 20096 24448 30392 37029
{Q>ßnUr: H$moð>H$ _| Am§H$‹So> Hw$b ñdmñÏ` ~r_m àr{_`_ _| ì`dgm` Ho$ àË`oH$ dJ© H$m A§e Xem©Vo h¢& Cº$ So>Q>m _| {dXoem| _| {H$`o J`o ñdmñÏ`
~r_m ì`dgm` H$m {ddaU em{_b Zht h¡&
ñdmñÏ` ~r_m ì`dgm` (d¡`{º$H$ XwK©Q>Zm Am¡a `mÌm ~r_m MmQ©> .19
I
H$mo N>moS‹ >H$a AÝ`) Ho$ A§VJ©V Omar H$s JB© nm°{b{g`m| H$s ñdmñÏ` ~r_m àr{_`_ H$s àd¥{Îm
g§»`m Am¡a gpå_{bV ì`{º$`m| H$s g§»`m… (d¡`{º$H$ XwK©Q>Zm Am¡a `mÌm ~r_m H$mo N>mo‹S>H$a)
.4.5.3 2017-18 Ho$ Xm¡amZ gmYmaU Am¡a ñdmñÏ` ~r_m 30,000
I
H§$n{Z`m| Zo Hw$b 48.20 H$amo‹S> ì`{º$`m| H$mo g_m{dï> H$aVo hþE
bJ^J 1.47 H$amo‹S> ñdmñÏ` ~r_m nm°{b{g`m± (d¡`{º$H$ XwK©Q>Zm i·20,000
i
Am¡a `mÌm ~r_m Ho$ A§VJ©V Omar H$s JB© nm°{b{g`m| H$mo N>mo‹S>H$a)
10,000
Omar H$s h¢ VWm {nN>bo df© gpå_{bV {H$`o J`o ì`{º$`m| H$s
!
g§»`m _| 10 à{VeV H$s d¥{Õ XO© H$s h¡& gpå_{bV ì`{º$`m|
H$s g§»`m Ho$ Vm¡a na VrZ-Mm¡WmB© ^mJ Ho$ ì`{º$`m| H$mo gaH$ma 2013-14 2014-15 2015-16 2016-17 2017-18
Ûmam àm`mo{OV ñdmñÏ` ~r_m `moOZmAm| _| em{_b {H$`m J`m
53dm{f©H$ [anmoQ©>
2017-18
MmQ©> : .20 MmQ©> : .21
I I
H$wb àr{_`_ _ | ñdmñÏ` ~r_m ì`d`m` gpå_{bV ì`{º$`m | H$s g»§ `m - gpå_{bV H$wb
Ho$ {d{^Þ dJm] H$m A§e ì`{º$`m| _| ì`dgm` Ho$ {d{^Þ dJm] H$m A§e
100%
13% 9% 8% 7%
100%
80%
80% 42% 114% 41% 41%
-~ ~ 60% -i'60%
*
~ 40% ..__,40%
20%
20%
0%
2013-14 2014-15 2015-16 2016-17 2017-18
0%
2013-14 2014-15 2015-16 2016-17 2017-18
~o1[qBT<f
*o1[qBT<f ~o1[qBT<f
I miffi\o1[qB1<[ I I I miffi\ o1[qBl<[ I *~ I
gmaUr .61
I
ñdmñÏ` ~r_m Ho$ A§VJ©V gpå_{bV ì`{º$`m| H$s g§»`m
(d¡`{º$H$ XwK©Q>Zm Am¡a `mÌm ~r_m ì`dgm` H$mo N>mo‹S>H$a)
(bmI _)|
ì`dgm` H$m dJ© 2013-14 2014-15 2015-16 2016-17 2017-18
gaH$mar ì`dgm` 1553 2143 2733 3350 3593
72% 74% 76% 77% 74%
gm_y{hH$ ì`dgm` (gaH$mar ì`dgm` H$mo N>mo‹S>H$a) 337 483 570 705 894
16% 17% 16% 16% 19%
d¡`{º$H$ ì`dgm` 272 254 287 320 333
13% 9% 8% 7% 7%
Hw$b Omo‹S> 2162 2880 3590 4375 4820
{Q>ßnUr : à{VeV _| {XE JE Am§H$‹So> gpå_{bV ì`{º$`m| H$s Hw$b g§»`m _| ì`dgm` Ho$ àË`oH$ dJ© H$m A§e Xem©Vo h¢& Cº$ So>Q>m _ |{dXoem| _| {H$`o J`o
ñdmñÏ` ~r_m ì`dgm` H$m {ddaU em{_b Zht h¡&
VWm efo EH$-MmW¡ mB ©{hñg oH$o ì`{º$`m |H$m ogmYmaU Ama¡ ñdmñÏ` VwbZm _| gwYma ahm h¡& `h ì`dgm` Ho$ g^r VrZm| dJm] _| nm`m
~r_mH$VmA© m |Ûmam Omar H$s JB ©gm_{yhH$ Ama¡ d`¡ {º$H$ nm{°b{g`m| J`m h¡& gm_y{hH$ ì`dgm` (gaH$mar ì`dgm` H$mo N>mo‹S>H$a) Ho$
Û«mam g_m{dï> {H$`m J`m& {Zdb AmB©grAma _| 2016-17 Ho$ 125% go 2017-18 _|
107% VH$ gwYma Am`m h¡&
ñdmñÏ` ~r_m ì`dgm` (d¡`{º$H$ XwK©Q>Zm Am¡a `mÌm ~r_m
ì`dgm` H$mo N>mo‹S>H$a) Ho$ A§VJ©V {Zdb CnJV Xmdm joÌ-dma {Zdb AmB©grAma Ho$ Vm¡a na `h nm`m J`m h¡ {H$
AZwnmV H$s àd¥{Îm gaH$mar joÌ Ho$ ~r_mH$Vm©Am| Ho$ A§VJ©V gy{MV {H$`o J`o {Zdb
AmB©grAma _| gwYma h¡ Omo 2016-17 Ho$ 122% go 2017-
.4.5.4 {dÎmr` df© 2017-18 Ho$ Xm¡amZ {Zdb CnJV Xmdm
I 18 _| 108% VH$ gwYa hmo J`m h¡&
AZwnmV (AmB©grAma) _| {nN>bo {dÎmr` df© 2016-17 H$s
54dm{f©H$ [anmoQ©>
2017-18
gmaUr .62
I
ñdmñÏ` ~r_m Ho$ A§VJ©V ì`dgm` H$m dJ©-dma {Zdb CnJV Xmdm AZwnmV
(d¡`{º$H$ XwK©Q>Zm Am¡a `mÌm ~r_m ì`dgm` H$mo N>mo‹S>H$a) (Am§H$S>o à{VeV _|)
ì`dgm` H$m dJ© 2013-14 2014-15 2015-16 2016-17 2017-18
gaH$mar ì`dgm` 93 108 109 122 115
gm_y{hH$ ì`dgm` (gaH$mar ì`dgm` H$mo N>mo‹S>H$a) 110 116 120 125 107
d¡`{º$H$ ì`dgm` 83 81 77 76 71
Hw$b Omo‹S> 97 101 102 106 94
{H$`m h¡& Bg_o± gaH$ma Ûmam àm`mo{OV `moOZmAm| AWm©Ë àYmZ
MmQ©> .22
I
ñdmñÏ` ~r_m ì`dgm` H$m {Zdb CnJV Xmdm AZwnmV _§Ìr gwajm ~r_m `moOZm (nrE_Eg~rdmB©), àYmZ _§Ìr OZ-
(d¡`{º$H$ XwK©Q>Zm Am¡a `mÌm ~r_m ì`dgm` H$mo N>mo‹S>H$a)
YZ `moOZm (nrE_OoS>rdmB©) Am¡a B©-{Q>H$Q> `m{Ì`m| Ho$ {bE
AmB©AmagrQ>rgr `mÌm ~r_m Ho$ A§VJ©V gpå_{bV {H$`o J`o
91.83 H$amo‹S> ì`{º$ em{_b h¢&
130%
.V.
~120%
2017-18 Ho$ Xm¡amZ, d¡`{º$H$ XwK©Q>Zm ~r_m ì`dgm` go gH$b
eC
110%
àr{_`_ Am` é. 4584 H$amo‹S> Wr, Ohm± d¥{Õ Xa {nN>bo df©
V
~100%
H$s VwbZm _| 24 à{VeV Wr& O~{H$ Hw$b àr{_`_ _| {ZOr joÌ
ll'.
0 90% gmYmaU ~r_mH$Vm©Am| Zo 53 à{VeV H$m A§eXmZ {H$`m h¡,
QJ
z 80%
gaH$mar joÌ gmYmaU ~r_mH$Vm©Am| Zo àr{_`_ Ho$ 38 à{VeV
70%
H$m A§eXmZ {H$`m h¡ VWm eof 9 à{VeV H$m A§eXmZ ñQ¢>S>-
2013-14 2014-15 2015-16 2016-17 2017-18
AbmoZ ñdmñÏ` ~r_mH$Vm©Am| Ûmam {H$`m J`m h¡& ì`dgm` H$s
Bg ì`dñWm Ho$ A§VJ©V AmB©grAma {dÎmr` df© 2017-18 Ho$
{bE 76 à{VeV Wm&
d¡`{º$H$ XwK©Q>Zm ì`dgm`…
.4.5.5 2017-18 Ho$ Xm¡amZ ~r_m CÚmoJ Zo d¡`{º$H$ XwK©Q>Zm
I
~r_m Ho$ A§VJ©V Hw$b 116.85 H$amo‹S> ì`{º$`m| H$mo gpå_{bV
gmaUr .63
I
ñdmñÏ` ~r_m Ho$ A§VJ©V joÌ dma {Zdb CnJV Xmdm AZwnmV
2013-14 2014-15 2015-16 2016-17 2017-18
gaH$mar joÌ gmYmaU ~r_mH$Vm© 106% 112% 117% 122% 108%
{ZOr joÌ gmYmaU ~r_mH$Vm© 87% 84% 81% 84% 80%
ñQ¢>S>-AbmoZ ñdmñÏ` ~r_mH$Vm© 67% 63% 58% 58% 62%
CÚmJo Amg¡ V 97% 101% 102% 106% 94%
55dm{f©H$ [anmoQ©>
2017-18
gmaUr .64
I
d¡`{º$H$ XwK©Q>Zm ~r_m ì`dgm` Ho$ A§VJ©V gpå_{bV ì`{º$`m| H$s g§»`m - joÌ-dma
(bmI _)|
joÌ 2013-14 2014-15 2015-16 2016-17 2017-18
gaH$mar joÌ gmYmaU ~r_mH$Vm© 753 764 3609 6423 6983
{ZOr joÌ gmYmaU ~r_mH$Vm© 972 2437 826 2242 4619
ñQ¢>S>-AbmoZ ñdmñÏ` ~r_mH$Vm© 21 30 38 55 83
Hw$b CÚmoJ 1746 3231 4473 8720 11685
{Q>ßnUr : Cº$ So>Q>m _| AmB©AmagrQ>rgr, nrE_Eg~rdmB© Am¡a nrE_OoS>rdmB© ì`dgm`m| Ho$ A§VJ©V gpå_{bV ì`{º$`m| H$s g§»`m em{_b h&¡ Bg So>Q>m _| {dXoem| _| {H$`o
J`o d¡`{º$H$ XwK©Q>Zm ì`dgm` H$m {ddaU em{_b Zht h¡&
gmaUr .65
I `mÌm ~r_m nm°{b{g`m± Omar H$s h¢& {dÎmr` df© 2017-18 Ho$
2017-18 Ho$ Xm¡amZ gaH$ma àm`mo{OV Hw$N>
à_wI `moOZmAm| Ho$ A§VJ©V gpå_{bV ì`{º$`m| {bE {dXoe `mÌm ~r_m ì`dgm` go gH$b àr{_`_ Am` é.643
H$s g»§ `m Ama¡ gH$b àË`j àr{_`_ H$amo‹S> Wr& ì`dgm` H$s Bg ì`dñWm Ho$ {bE CnJV Xmdm
`moOZmE± gpå_{bV ì`{º$`m| gH$b àË`j
AZwnmV (AmB©grAma) {dÎmr` df© 2017-18 Ho$ {bE 41
H$s g.§ (bmI _)| àr{_`_ ( bmI)
`
à{VeV Wm&
AmB©AmagrQ>rgr 3392 2446
nrE_OoS>rdmB© 4886 1349
ì`dgm` H$s Bg ì`dñWm _| {ZOr gmYmaU ~r_mH$Vm© à_wI
nrE_Eg~rdmB© 905 10855
{Ibm‹S>r h¢, {OZH$m ~mOma A§e gH$b àr{_`_ _| 81 à{VeV
CÚmoJ Hw$b 9183 14650
ahm h¡& gaH$mar joÌ Ho$ gmYmaU ~r_mH$Vm©Am| Am¡a ñQ¢>S>-AbmoZ
{Q>ßnUr: `h Ü`mZ aIm OmZm Mm{hE {H$ AmB©AmagrQ>rgr `moOZm Ho$ A§VJ©V,
ñdmñÏ` ~r_mH$Vm©Am| H$m A§e H«$_e… 5% Am¡a 14% Wm&
d¡`{º$H$ XwK©Q>Zm ~r_majm aobdo `m{Ì`m| H$mo `mÌr Ûmam H$s JB© Ho$db EH$
{d{Z{X©ï> `mÌm Ho$ {bE hr Xr OmVr h¡ VWm EH$ ì`{º$ gy{MV H$s JB© Ad{Y _| {dXoe `mÌm ~r_m àr{_`_ Ho$ Xmo-{VhmB© ^mJ H$m A§eXmZ 3
H$B© `mÌmE± H$a gH$Vm h¡&
~r_mH$Vm©Am| AWm©Ë Q>mQ>m EAmB©Or (~mOma A§e 25 à{VeV),
{dXoe `mÌm ~r_m AmBg© rAmBg© rAmB ©bmåo ~mS>© (21 à{VeV) Ama¡ ~OmO Abm`O§
(17 à{VeV) Ûmam {H$`m J`m&
.4.5.6 2017-18 Ho$ Xm¡amZ ~r_m joÌ Zo 38.85 bmI
I
ì`{º$`m| H$mo ~r_majm àXmZ H$aVo hþE 25.51 bmI {dXoe
gmaUr .66
I
joÌ -dma d¡`{º$H$ XwK©Q>Zm ~r_m àr{_`_
( H$amo‹S> _|)
`
joÌ 2013-14 2014-15 2015-16 2016-17 2017-18
gaH$mar joÌ gmYmaU ~r_mH$Vm© 614 708 879 1508 1765
36% 33% 34% 41% 38%
{ZOr joÌ gmYmaU ~r_mH$Vm© 1060 1351 1561 1918 2424
61% 63% 60% 52% 53%
ñQ¢>S>-AbmoZ ñdmñÏ` ~r_mH$Vm© 55 94 170 267 395
3% 4% 6% 7% 9%
Hw$b Omo‹S> 1729 2153 2610 3693 4584
{Q>ßnUr: à{VeV _| {XE JE Am§H$‹So> Hw$b àr{_`_ _| {d{^Þ joÌm| H$m ~mOma A§e Xem©Vo h¢& Cº$ So>Q>m _| {dXoem| _| {H$`o J`o d¡`{º$H$ XwK©Q>Zm
~r_m ì`dgm` H$m {ddaU em{_b Zht h¡&
56dm{f©H$ [anmoQ©>
2017-18
Xoer `mÌm ~r_m
ì`{º$`m| H$mo ~r_majm àXmZ H$aVo hþE 68 bmI ~r_m nm°{b{g`m±
.4.5.7 Xoer `mÌm ~r_m ì`dgm` go gH$b àr{_`_ Am`
I
Omar H$s h¢& ì`dgm` H$s Bg ì`dñWm hoVw AmB©grAma {dÎmr`
2017-18 Ho$ Xm¡amZ é.61.67 H$amo‹S> Wr, {OgZo {nN>bo df©
df© 2017-18 Ho$ {bE 18 à{VeV Wm&
Ho$ é.24.6 H$amo‹S> Ho$ gH$b àr{_`_ H$s VwbZm _| 151 à{VeV
H$s d¥{Õ XO© H$s& 2017-18 Ho$ Xm¡amZ CÚmoJ Zo 1.15 H$amo‹S>
gmaUr .67
I
joÌ-dma {dXoe `mÌm ~r_m àr{_`_
( H$amo‹S> _|)
`
joÌ 2013-14 2014-15 2015-16 2016-17 2017-18
gaH$mar joÌ 46 41 32 35 31
gmYmaU ~r_mH$Vm© 10% 9% 6% 6% 5%
{ZOr joÌ gmYmaU ~r_mH$Vm© 393 403 467 486 523
86% 86% 87% 84% 81%
ñQ¢>S>-AbmoZ ñdmñÏ` ~r_mH$Vm© 18 21 37 59 89
4% 5% 7% 10% 14%
Hw$b Omo‹S> 457 465 536 580 643
{Q>ßnUr: à{VeV _| {XE JE Am§H$‹So> Hw$b ñdmñÏ` ~r_m àr{_`_ _| ~mOma A§e Xem©Vo h¢& Cº$ So>Q>m _| {dXoem| _| {H$`o J`o {dXoe `mÌm ~r_m
ì`dgm` H$m {ddaU em{_b Zht h¡&
gmaUr .68
I
joÌ dma Xoer `mÌm ~r_m gH$b àr{_`_
( H$amo‹S> _|)
`
joÌ 2013-14 2014-15 2015-16 2016-17 2017-18
gaH$mar joÌ gmYmaU ~r_mH$Vm© 0.03 0.01 0.002 0.0005 0
{ZOr joÌ gmYmaU ~r_mH$Vm© 12.32 16.05 21.8 24.59 61.46
ñQ¢>S>-AbmoZ ñdmñÏ` ~r_mH$Vm© 0 0 0 0.01 0.21
Hw$b Omo‹S> 12.35 16.06 21.8 24.6 61.67
{dXoem| _| {H$`m J`m ñdmñÏ` ~r_m ì`dgm` H$s Hw$b g§»`m _| ì`{º$`m| H$mo ~r_majm àXmZ H$s h¡& BZ 3
~r_mH$Vm©Am| Ho$ ~rM AHo$bo Ý`y B§{S>`m Eí`moa|g Zo hr {dXoem| go
.4.5.8 gaH$mar joÌ Ho$ Ho$db 3 gmYmaU ~r_mH$Vm©Am| AWm©Ë
I
Hw$b ñdmñÏ` ~r_m àr{_`_ Ho$ 84% H$m A§eXmZ {H$`m VWm
Ý`y B§{S>`m, ZoeZb B§í`moa|g Am¡a Amo[a`ÝQ>b B§í`moa|g Zo {dXoem|
{dXoem| _| gpå_{bV ì`{º$`m| H$s Hw$b g§»`m Ho$ 88% H$mo
_| ñdmñÏ` ~r_m ì`dgm` {H$`m& {dÎmr` df© 2017-18 Ho$
~r_majm àXmZ H$s& 2017-18 Ho$ Xm¡amZ ^maV Ho$ ~mha {H$`o
Xm¡amZ BZ VrZ ~r_mH$Vm©Am| Zo ñdmñÏ` ~r_m ì`dgm` (d¡`{º$H$
J`o ì`dgm` H$s Bg ì`dñWm H$m AmB©grAma 74% h¡&
XwK©Q>Zm Am¡a `mÌm ~r_m ì`dgm`m| g{hV) go gH$b àr{_`_ Ho$
ê$n _| Hw$b é.200.28 H$amo‹S> àmá {H$`o h¢ VWm 12.54 bmI
57dm{f©H$ [anmoQ©>
2017-18
gmaUr .69
I
{dXoem| _| {H$`m J`m ñdmñÏ` ~r_m ì`dgm`* 2017-18
(nm°b{g`m| H$s g§»`m dmñV{dH$) (ì`{º$`m| H$s g§»`m '000 _|) (CnJV Xmdm AZwnmV % _|) ( bmI _)|
`
ì`dgm` H$s Omar H$s JB© gpå_{bV gH$b {Zdb CnJV Xmdo CnJV Xmdm
ì`dñWm nm°{b{g`m| ì`{º$`m| àr{_`_ A{O©V ({Zdb) AZwnmV
H$s g»§ `m H$s g§»`m àr{_`_ ({Zdb)
ZoeZb 58 29 284 242 353 146%
Ý`y B§{S>`m 14527 1104 16821 16354 13303 81%
Amo[a`ÝQ>b 3039 121 2923 2848 654 23%
gaH$mar H$wb 17624 1254 20028 19444 14309 74%
{Q>ßnUr: *Cº$ So>Q>m _| ñdmñÏ`, d¡`{º$H$ XwK©Q>Zm Am¡a `mÌm ~r_m ì`dgm` em{_b h¢& .
gmaUr .70
I
ñdmñÏ` ~r_m àr{_`_ _| erf©ñW nm±M amÁ`m| H$m A§e 2017-18
amÁ` / gK§ amÁ` jÌo H$wb ñdmñÏ` ~r_m ì`dgm` (d`¡ {º$H$ XKw Q© >Zm Ama¡ `mÌm ~r_m H$m o N>mS‹o >H$a)
am{e bmI N> _| A{Ib ^maVr` àr{_`_ _ | % Ae§
_hmamï´> 1181235 32%
V{_bZmSw> 466874 12%
H$Zm©Q>H$ 365422 10%
{X„r 297076 8%
JwOamV 213325 6%
eof ^maV 1178930 32%
A{Ib ^maVr` H$wb 3702863 100%
{Q>ßnUr : amÁ`m| H$m ñWmZ-{ZYm©aU (a¢qH$J) Hw$b ñdmñÏ` ~r_m àr{_`_ Ho$ AmYma na {H$`m J`m h¡&
ì`dgm` H$m amÁ`-ñVar` dJuH$aU {d{eï> amÁ` go CËnÞ ì`dgm` Ho$ AmYma na gy{MV {H$`m J`m h¡&
ñdmñÏ` ~r_m ì`dgm` H$m amÁ`-dma {dVaU (d¡`{º$H$
XwK©Q>Zm Am¡a `mÌm ~r_m ì`dgm` H$mo N>mo‹S>H$a) MmQ©> : I.23
Hw$b ñdmñÏ` ~r_m àr{_`_ _| amÁ`m H$m A§e 2017-18
.4.5.9 O~{H$ nm±M amÁ`m| AWm©Ë _hmamï´>, V{_bZmSw>,
I
H$Zm©Q>H$, {X„r `yQ>r Am¡a JwOamV Zo Hw$b ñdmñÏ` ~r_m àr{_`_
Ho$ 68 à{VeV H$m A§eXmZ {H$`m, dht eof 31 amÁ`m| / g§K-
amÁ` joÌm| Zo Hw$b ñdmñÏ` ~r_m àr{_`_ Ho$ 32 à{VeV H$m
A§eXmZ {H$`m& AHo$bo _hmamï´> amÁ` Zo hr Hw$b ñdmñÏ` ~r_m
àr{_`_ Ho$ é.11,812.35 H$amo‹S> én`o (32 à{VeV) H$m
A§eXmZ {H$`m&
ñdmñÏ` ~r_m àr{_`_ H$m _mÜ`_-dma {dVaU (d¡`{º$H$
XwK©Q>Zm Am¡a `mÌm ~r_m ì`dgm` H$mo N>mo‹S>H$a)
.4.5.10 ñdmñÏ` ~r_m nm°{b{g`m| Ho$ {dVaU Ho$ {bE {d{^Þ
I
_mÜ`_m| Ho$ ~rM "d¡`{º$H$ EO|Q>" 30 à{VeV na bJmVma Hw$b
58dm{f©H$ [anmoQ©>
2017-18
ñdmñÏ` ~r_m àr{_`_ _| EH$ ~‹So> A§e H$m `moJXmZ H$aVo h¢&
MmQ©> .24
d¡`{º$H$ ñdmñÏ` ~r_m àr{_`_ _| CZH$m A§e 66 à{VeV na I
ñdmñÏ` ~r_m àr{_`_ _| {d{^Þ _mÜ`_m| H$m A§eXmZ
A^r ^r CƒVa ahm&
(d¡`{º$H$ XwK©Q>Zm Am¡a `mÌm ~r_m H$mo N>mo‹S>H$a)
(H$wb àr{_`_ _ | % Ae§ XmZ)
"àË`j {dH«$` Am°ZbmBZ H$mo N>mo‹S>H$a AÝ`" ñdmñÏ` ~r_m
ì`dgm` Ho$ {dVaU Ho$ {bE Xygam à_wI _mÜ`_ h¡& Bg _mÜ`_
60%
Zo Hw$b ñdmñÏ` ~r_m àr{_`_ _| 29 à{VeV H$m A§eXmZ {H$`m
h¡& gaH$mar ì`dgm` go àmá gH$b àr{_`_ _| 69% A§e Ho$
~ 40%
~mX gm_y{hH$ ñdmñÏ` ~r_m àr{_`_ _| Bg _mÜ`_ H$m A§e .5
35 à{VeV na A{YH$ h¡&
;; 20%
ñdmñÏ` ~r_m ì`dgm` Ho$ {dVaU Ho$ {bE Vrgam _hËdnyU©
!j
10%
_mÜ`_ Xbmb h¢, {OÝhm|Zo Hw$b ñdmñÏ` ~r_m àr{_`_ Ho$ 25
-0~%.1....-- 1---- -~-~
à{VeV H$m A§eXmZ {H$`m& gm_y{hH$ ñdmñÏ` ~r_m àr{_`_ _| Govl Bus~esss Group Business lndwidual Business Tolal Business
Xbmbm| H$m A§e 49 à{VeV na A{YH$ Wm&
-~
lcfiR1ffic ~ ~if~ -~ey~~it~
"~¢Ho$í`wa|g" _mÜ`_ Zo Hw$b ñdmñÏ` ~r_m àr{_`_ Ho$ 8 à{VeV -~~ir-cftl!J~
-~~
1cfiR'1fu ~ ~
H$m A§eXmZ {H$`m VWm "Am°ZbmBZ {dH«$`" _mÜ`_ Zo Hw$b
-~ey~~
ñdmñÏ` ~r_m àr{_`_ Ho$ 1 à{VeV H$m A§eXmZ {H$`m&
gmaUr .71
I
{dVaU Ho$ {d{^Þ _mÜ`_m| H$m A§e-Omar H$s JB© nm°{b{g`m| H$s g§»`m Am¡a
ñdmñÏ` ~r_m àr{_`_ H$s am{e 2017-18 (d¡`{º$H$ XwK©Q>Zm Am¡a `mÌm ~r_m ì`dgm` H$mo N>mo‹S>H$a)
Name of the Channel Govt. Business Group Business Individual Business Total
(excl. Govt Business)
No. of Gross No. of Gross No. of Gross No. of Gross
policies Premium policies Premium policies Premium policies Premium
Issued Issued Issued Issued
Xbmb 0% 0% 7% 49% 3% 4% 4% 25%
H$m°anmoaoQ> EO|Q> - ~¢H$ 0% 0% 49% 8% 16% 11% 17% 8%
H$m°anmoaoQ> EO|Q> ~¢H$m| go BVa 0% 0% 20% 2% 3% 4% 4% 3%
àË`j {dH«$` Am°ZbmBZ 0% 1% 2% 1% 2% 2% 2% 1%
àË`j {dH«$` - Am°ZbmBZ go BVa 39% 69% 4% 35% 13% 11% 13% 29%
d¡`{º$H$ EO|Q> 0% 0% 9% 5% 62% 66% 59% 30%
gyú_-~r_m EO|Q> 0.00% 0.00% 0.043% 0.032% 0.00% 0.00% 0.002% 0.016%
do~-g§J«mhH$ 0.00% 0.00% 0.03% 0.03% 1.07% 1.10% 1.02% 0.47%
~r_m {dnUZ 0.00% 0.00% 0.002% 0.01% 0.02% 0.02% 0.01% 0.01%
\$_© 0.00% 0.00% 0.00% 0.001% 0.00% 0.005% 0.01% 0.002%
{~H«$s H|$Ð 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
gm_mÝ` godm Ho$ÝÐ 61% 30% 9% 0% 0% 0% 1% 3%
AÝ`
g^r _mÜ`_m| H$m `moJ 100% 100% 100% 100% 100% 100% 100% 100%
59dm{f©H$ [anmoQ©>
2017-18
ñdmñÏ` ~r_m 2017-18 Ho$ Xm¡amZ Xmdm J{V{d{Y H$m {ddaU
(d¡`{º$H$ XwK©Q>Zm Am¡a `mÌm ~r_m H$mo N>mo‹S>H$a)
gmaUr .72
I
AÝ` nj à~§YH$m| (Q>rnrE) Ho$ _mÜ`_ go g§^mbo J`o Xmdo
(g§»`mE± dmñV{dH$)(am{e bmI _)|
`
{ddaU Ho$db Ho$db XmoZm| ZH$Xra{hV bm^ Hw$b
ZH$Xra{hV à{Vny{V© Am¡a à{Vny{V© AmYm[aV
(1) (2) (3)
g§»`m am{e g§»`m am{e g§»`m am{e g§»`m am{e g§»`m am{e
Ad{Y Ho$ àma§^ 432660 67680 181314 63196 157703 22494 164 48 771841 153417
_| ~H$m`m Xmdo 56% 44% 23% 41% 20% 15% 0% 0% 100% 100%
Ad{Y Ho$ Xm¡amZ 4747370 1152832 5626008 1030145 1046656 214860 2640 494 11422674 2398330
n§OrH¥$V Z`o Xmdo 42% 48% 49% 43% 9% 9% 0% 0% 100% 100%
Ad{Y Ho$ Xm¡amZ AXm 4291202 1009986 4954844 897302 1084558 188368 1979 354 10332583 2096011
{H$`o J`o Xmdo 42% 48% 48% 43% 10% 9% 0% 0% 100% 100%
Ad{Y Ho$ Xm¡amZ 327566 98276 496017 130012 50812 7813 754 140 875149 236240
{ZamH¥$V Xmdo 37% 42% 57% 55% 6% 3% 0% 0% 100% 100%
df© Ho$ A§V _| 561262 107963 356461 61772 68989 41172 71 25 986783 210933
~H$m`m Xmdo 57% 51% 36% 29% 7% 20% 0% 0% 100% 100%
gmaUr .73
I
~r_mH$Vm©Am| Ûmam grYo g§^mbo J`o Xmdo
(g§»`mE± dmñV{dH$)(am{e " bmI _)|
`
{ddaU Ho$db Ho$db XmoZm| ZH$Xra{hV bm^ Hw$b
ZH$Xra{hV à{Vny{V© Am¡a à{Vny{V© AmYm[aV
(1) (2) (3)
g§»`m am{e g§»`m am{e g§»`m am{e g§»`m am{e g§»`m am{e
Ad{Y Ho$ àma§^ _| 163514 32771 74235 53477 262 389 3301 8303 241312 94941
~H$m`m Xmdo 68% 35% 31% 56% 0% 0% 1% 9% 100% 100%
Ad{Y Ho$ Xm¡amZ n§OrH¥$V 3234406 602908 1409266 620456 7017 6884 17253 21618 4667943 1251866
Z`o Xmdo 69% 48% 30% 50% 0% 1% 0% 2% 100% 100%
Ad{Y Ho$ Xm¡amZ AXm 2904085 484997 1290718 429973 6537 5268 10812 8156 4212153 928393
{H$`o J`o Xmdo 69% 52% 31% 46% 0% 1% 0% 1% 100% 100%
Ad{Y Ho$ Xm¡amZ 194611 83848 138978 204224 522 1707 5356 10677 339467 300455
{ZamH¥$V Xmdo 57% 28% 41% 68% 0% 1% 2% 4% 100% 100%
df© Ho$ A§V _| ~H$m`m Xmdo 299224 44443 53806 53749 220 298 4386 11060 357636 109550
84% 41% 15% 49% 0% 0% 1% 10% 100% 100%
60dm{f©H$ [anmoQ©>
2017-18
gmaUr .74
I
XmoZm| AÝ` nj à~§YH$m| (Q>rnrE) Ho$ _mÜ`_ go Am¡a Am§V[aH$ ê$n go g§^mbo J`o Xmdo
(g§»`mE± dmñV{dH$)(am{e " bmI _)|
`
{ddaU Ho$db Ho$db XmoZm| ZH$Xra{hV bm^ Hw$b
ZH$Xra{hV à{Vny{V© Am¡a à{Vny{V© AmYm[aV
(1) (2) (3)
g§»`m am{e g§»`m am{e g§»`m am{e g§»`m am{e g§»`m am{e
Ad{Y Ho$ àma§^ _| 596174 100451 255549 116673 157965 22883 3465 8351 1013153 248358
~H$m`m Xmdo 59% 40% 25% 47% 16% 9% 0% 3% 100% 100%
Ad{Y Ho$ Xm¡amZ 7981777 1755740 7035274 1650601 1053673 221743 19893 22112 16090617 3650196
n§OrH¥$V Z`o Xmdo 50% 48% 44% 45% 7% 6% 0.12% 0.61% 100% 100%
Ad{Y Ho$ Xm¡amZ AXm 7195288 1494983 6245562 1327275 1091095 193635 12791 8510 14544736 3024404
{H$`o J`o Xmdo 49% 49% 43% 44% 8% 6% 0% 0% 100% 100%
Ad{Y Ho$ Xm¡amZ 522177 182124 634995 334236 51334 9520 6110 10816 1214616 536695
{ZamH¥$V Xmdo 43% 34% 52% 62% 4% 2% 1% 2% 100% 100%
df© Ho$ A§V _| ~H$m`m Xmdo 860486 152406 410267 115521 69209 41471 4457 11085 1344419 320483
64% 48% 31% 36% 5% 13% 0% 3% 100% 100%
{Q>ßnUr: 1. Xmdm |H$m {ZnQ>mZ H$odb ZH$Xra{hV nÕ{V g ohr {H$`m J`m h&¡ Xmd oH$o {H$gr ^mJ H$m {ZnQ>mZ à{Vn{yV ©H$o Ûmam Zht {H$`m J`m h&¡
2.Xmdm |H$m {ZnQ>mZ H$odb à{Vn{yV ©H$s nÕ{V g ohr {H$`m J`m h&¡ Xmd oH$o {H$gr ^mJ H$m {ZnQ>mZ ZH$Xra{hV nÕ{V H$o Ûmam Zht {H$`m J`m h&¡
3. Xmd o{OZH$m ^Jw VmZ XmZo m |ZH$Xra{hV Ama¡ à{Vn{yV ©H$s nÕ{V`m |H$o Ûmam {H$`m J`m h&¡
ñdmñÏ` ~r_m 2017-18 Ho$ Xm¡amZ Xmdm| H$r Ad{Y H$m {ddaU
(d¡`{º$H$ XwK©Q>Zm Am¡a `mÌm ~r_m H$mo N>mo‹S>H$a)
gmaUr .75
I
AÝ` nj à~§YH$m| (Q>rnrE) Ho$ _mÜ`_ go ~r_mH$Vm©Am| Ûmam {ZnQ>m`o J`o Xmdm| H$s Ad{Y H$m {ddaU
(g§»`mE± dmñV{dH$)(am{e " bmI _)|
`
Xmdm| H$m ^wJVmZ Ho$db Ho$db XmoZm| ZH$Xra{hV bm^ Hw$b
{ZåZ Ad{Y _| ZH$Xra{hV à{Vny{V© Am¡a à{Vny{V© AmYm[aV
{H$`m J`m (1) (2) (3)
g§»`m am{e g§»`m am{e g§»`m am{e g§»`m am{e g§»`m am{e
1 _hrZm 2843075 579384 3290336 531694 244951 47656 1160 267 6379522 1159001
66.30% 57.40% 66.40% 59.30% 22.60% 25.30% 58.60% 75.30% 61.70% 55.30%
1 go 3 _hrZo 1192882 333247 1321603 281098 827484 132913 598 70 3342567 747327
27.80% 33.00% 26.70% 31.30% 76.30% 70.60% 30.20% 19.70% 32.30% 35.70%
3 go 6 _hrZo 189617 68337 267876 63665 10288 4384 159 10 467940 136397
4.40% 6.80% 5.40% 7.10% 0.90% 2.30% 8.00% 2.80% 4.50% 6.50%
6 go 12 _hrZo 54624 23240 55146 15467 1530 2546 42 4 111342 41257
1.30% 2.30% 1.10% 1.70% 0.10% 1.40% 2.10% 1.30% 1.10% 2.00%
1 go 2 df© 7661 4888 18333 3057 302 867 13 0 26309 8813
0.20% 0.50% 0.40% 0.30% 0.00% 0.50% 0.70% 0.10% 0.30% 0.40%
2 df© go A{YH$ 3343 890 1550 2321 3 1 7 3 4903 3215
0.10% 0.10% 0.00% 0.30% 0.00% 0.00% 0.40% 0.80% 0.00% 0.20%
Hw$b 4291202 1009986 4954844 897302 1084558 188368 1979 354 10332583 2096011
100% 100% 100% 100% 100% 100% 100% 100% 100% 100%
61dm{f©H$ [anmoQ©>
2017-18
gmaUr .76
I
Am§V[aH$ ê$n go ~r_mH$Vm©Am| Ûmam {ZnQ>m`o J`o Xmdm| H$s Ad{Y H$m {ddaU
(g§»`mE± dmñV{dH$)(am{e " bmI _)|
`
Xmdm| H$m ^wJVmZ Ho$db Ho$db XmoZm| ZH$Xra{hV bm^ Hw$b
{ZåZ Ad{Y _| ZH$Xra{hV à{Vny{V© Am¡a à{Vny{V© AmYm[aV
{H$`m J`m (1) (2) (3)
g§»`m am{e g§»`m am{e g§»`m am{e g§»`m am{e g§»`m am{e
1 _hrZm 2843850 444471 834392 245949 5289 4919 9931 7212 3693463 702551
97.90% 91.60% 64.60% 57.20% 80.90% 93.40% 91.90% 88.40% 87.70% 75.70%
1 go 3 _hrZo 43885 35225 375206 111544 1153 326 680 607 420924 147701
1.50% 7.30% 29.10% 25.90% 17.60% 6.20% 6.30% 7.40% 10.00% 15.90%
3 go 6 _hrZo 4707 3236 66867 37005 86 21 155 247 71815 40509
0.20% 0.70% 5.20% 8.60% 1.30% 0.40% 1.40% 3.00% 1.70% 4.40%
6 go 12 _hrZo 5497 1322 11482 25886 9 3 40 86 17028 27297
0.20% 0.30% 0.90% 6.00% 0.10% 0.10% 0.40% 1.10% 0.40% 2.90%
1 go 2 df© 6037 759 1994 9011 0 0 2 2 8033 9772
0.20% 0.20% 0.20% 2.10% 0.00% 0.00% 0.00% 0.00% 0.20% 1.10%
2 df© go A{YH$ 109 -17 777 576 0 0 4 2 890 562
0.00% 0.00% 0.10% 0.10% 0.00% 0.00% 0.00% 0.00% 0.00% 0.10%
Hw$b 2904085 484997 1290718 429973 6537 5268 10812 8156 4212153 928393
100% 100% 100% 100% 100% 100% 100% 100% 100% 100%
gmaUr .77
I
XmoZm| AÝ` nj à~§YH$m| (Q>rnrE) Ho$ _mÜ`_ go Am¡a Am§V[aH$ ê$n go
~r_mH$Vm©Am| Ûmam {ZnQ>m`o J`o Xmdm| H$s Ad{Y H$m {ddaU
Xmdm| H$m ^wJVmZ Ho$db Ho$db XmoZm| ZH$Xra{hV bm^ Hw$b
{ZåZ Ad{Y _| ZH$Xra{hV à{Vny{V© Am¡a à{Vny{V© AmYm[aV
{H$`m J`m (1) (2) (3)
g§»`m am{e g§»`m am{e g§»`m am{e g§»`m am{e g§»`m am{e
1 _hrZm 5686926 1023855 4124728 777643 250240 52574 11091 7479 10072985 1861552
79.00% 68.50% 66.00% 58.60% 22.90% 27.20% 86.70% 87.90% 69.30% 61.60%
1 go 3 _hrZo 1236767 368471 1696809 392642 828637 133239 1278 677 3763491 895029
17.20% 24.60% 27.20% 29.60% 75.90% 68.80% 10.00% 8.00% 25.90% 29.60%
3 go 6 _hrZo 194324 71573 334743 100671 10374 4405 314 257 539755 176906
2.70% 4.80% 5.40% 7.60% 1.00% 2.30% 2.50% 3.00% 3.70% 5.80%
6 go 12 _hrZo 60121 24562 66628 41353 1539 2549 82 90 128370 68554
0.80% 1.60% 1.10% 3.10% 0.10% 1.30% 0.60% 1.10% 0.90% 2.30%
1 go 2 df© 13698 5648 20327 12069 302 867 15 2 34342 18586
0.20% 0.40% 0.30% 0.90% 0.00% 0.40% 0.10% 0.00% 0.20% 0.60%
2 df© go A{YH$ 3452 874 2327 2898 3 1 11 5 5793 3777
0.00% 0.10% 0.00% 0.20% 0.00% 0.00% 0.10% 0.10% 0.00% 0.10%
Hw$b 7195288 1494983 6245562 1327275 1091095 193635 12791 8510 14544736 3024404
100% 100% 100% 100% 100% 100% 100% 100% 100% 100%
{Q>ßnUr: 1. Xmdm| H$m {ZnQ>mZ Ho$db ZH$Xra{hV nÕ{V go hr {H$`m J`m h¡& Xmdo Ho$ {H$gr ^mJ H$m {ZnQ>mZ à{Vny{V© Ho$ Ûmam Zht {H$`m J`m h¡&
2.Xmdm| H$m {ZnQ>mZ Ho$db à{Vny{V© H$s nÕ{V go hr {H$`m J`m h¡& Xmdo Ho$ {H$gr ^mJ H$m {ZnQ>mZ ZH$Xra{hV nÕ{V go Zht {H$`m J`m h¡&
62dm{f©H$ [anmoQ©>
2017-18
.4.5.11 gmaUr .72, .73, .74, .75, .76 Am¡a Z`o H$m`m©b` Imobo J`o h¢& BZ ~r_mH$Vm©Am| Ho$ H$m`m©b`m| Ho$
I I I I I I
.77 Ho$ g§~§Y _| {Q>ßn{U`m± {ZåZmZwgma h¢& ^m¡Jmo{bH$ {dVaU Ho$ AZwgma, `h nm`m J`m h¡ {H$ BZ
I
~r_mH$Vm©Am| Ho$ 53% H$m`m©b` _hmZJar` joÌm| _| pñWV h¢,
2017-18 Ho$ Xm¡amZ gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm©Am|
•
O~{H$ 37% H$m`m©b` ehar joÌm| _| Am¡a 10% H$m`m©b`
Zo Zo 1.45 H$amo‹S> ñdmñÏ` ~r_m Xmdm| H$m {ZnQ>mZ {H$`m h¡
AY©-ehar joÌm| _| h¢& BZ ~r_mH$Vm©Am| Ho$ H$m`m©b`m| Ho$ ñVa-
VWm ñdmñÏ` ~r_m Xmdm| Ho$ {ZnQ>mZ Ho$ {bE é. 30244
dma dJuH$aU Ho$ g§~§Y _| `h nm`m J`m h¡ {H$ 90% H$m`m©b`
H$amo‹S> H$m ^wJVmZ {H$`m h¡& à{V Xmdm AXm H$s JB© Am¡gV
Ho$db ñVa- ZJam| _| pñWV h¢, O~{H$ ñVa- Am¡a ñVa- eham| _|
am{e é. 20,793 Wr&
H«$_e… 4% Am¡a 6% H$m`m©b` h¢& ñVa-, Am¡a eham| _| H$moB©
{ZnQ>m`o J`o Xmdm| H$s g§»`m Ho$ Vm¡a na 71 à{VeV Xmdo emImE± Zht h¢&
(cid:129)
Q>rnrE Ho$ _mÜ`_ go {ZnQ>m`o J`o VWm Xmdm| Ho$ eof 29
à{VeV H$m {ZnQ>mZ Am§V[aH$ ì`dñWm Ho$ Ûmam {H$`m J`m&
gmaUr .78 ñQ¢>S>-AbmoZ ñdmñÏ` ~r_mH$Vm©Am|
I
Ho$ H$m`m©b`m| H$s g§»`m
Xmdm| Ho$ {ZnQ>mZ H$s nÕ{V Ho$ Vm¡a na Xmdm| H$s Hw$b am{e ( 31 _mM© H$s pñW{V Ho$ AZwgma)
(cid:129)
~r_mH$Vm© 2015 2016 2017 2018
Ho$ 49 à{VeV H$m {ZnQ>mZ ZH$Xra{hV nÕ{V Ho$ Ûmam
Am{XË` {~‹S>bm 10 60
{H$`m J`m VWm Xmdm| Ho$ AÝ` 44 à{VeV H$mo à{Vny{V©
Anmobmo å`y{ZI 83 101 110 158
H$s nÕ{V Ho$ Ûmam {ZnQ>m`m J`m& ~r_mH$Vm©Am| Zo AnZo
{gJZm Q>rQ>rHo$ 13 16 19 19
Xmdm| Ho$ 6 à{VeV H$m {ZnQ>mZ "XmoZm| ZH$Xra{hV Am¡a _¡Šg ~ynm 26 27 28 30
aobrJoa 46 56 61 74
à{Vny{V© nÕ{V" Ho$ Ûmam {H$`m h¡&
ñQ>ma hoëW 290 320 367 434
Hw$b 458 520 594 775
2017-18 Ho$ Xm¡amZ ~r_mH$Vm©Am| Zo AnZr ~{h`m| _| XO©
(cid:129)
Xmdm| H$s Hw$b g§»`m Ho$ 85 à{VeV H$m {ZnQ>mZ {H$`m h¡
VWm n§OrH¥$V Xmdm| H$s Hw$b g§»`m Ho$ 7 à{VeV H$m
MmQ©> .25
I
{ZamH$aU {H$`m h¡& n§OrH¥$V eof 8 à{VeV Xmdo 31 _mM©
{nN>bo 4 df© _| ñQ¢>S>-AbmoZ ñdmñÏ`
2018 H$s pñW{V Ho$ AZwgma {ZnQ>mZ Ho$ {bE b§{~V Wo& ~r_mH$Vm©Am| Ho$ H$m`m©b`m| H$s g§»`m
.4.5.12 ñQ>m¢S>AbmoZ ñdmñÏ` ~r_mH$Vm©Amo± Ho$ H$m`m©b`
I
800
775
ñQ¢>S>-AbmoZ ñdmñÏ` ~r_m H§$n{Z`m| Ho$ H$m`m©b`m| H$s 750
700
g§»`m Am¡a {dVaU (31 _mM© H$mo)
650
600
31 _mM© 2018 H$s pñW{V Ho$ AZwgma, ñQ¢>S>-AbmoZ ñdmñÏ`
550
~r_mH$Vm©Am| Ho$ H$m`m©b`m| H$s g§»`m 775 Wr, O~{H$ 31 500
450
_mM© 2017 H$mo `h 594 Wr& Bg pñW{V Ho$ hmoVo hþE, 2017-
400
18 Ho$ Xm¡amZ BZ ñQ¢>S>-AbmoZ ñdmñÏ` ~r_mH$Vm©Am| Ûmam 181 2014-15 2015-16 2016-17 2017-18
63dm{f©H$ [anmoQ©>
2017-18
gmaUr .79
I
ñQ¢>S>-AbmoZ ñdmñÏ` ~r_mH$Vm©Am| Ho$ H$m`m©b`m| H$m ñVa-dma {dVaU (31 _mM© 2018 H$mo)
~r_mH$Vm© ñVa-dma dJuH$aU ^m¡Jmo{bH$-dJuH$aU
ñVa ñVa ñVa ñVa ñVa ñVa Hw$b _hm- ZJar` ehar AY©-ehar J«m_rU Hw$b
Am{XË` {~‹S>bm 60 0 0 0 0 0 60 54 6 0 0 60
Anmobmo å`y{ZI 155 2 1 0 0 0 158 101 54 3 0 158
{gJZm Q>rQ>rHo$ 19 0 0 0 0 0 19 17 2 0 0 19
_¡Šg ~ynm 30 0 0 0 0 0 30 30 0 0 0 30
aobrJoa 73 1 0 0 0 0 74 52 21 1 0 74
ñQ>ma hoëW 357 28 45 4 0 0 434 153 204 77 0 434
ñQ¢>Añdm~r Hw$b 694 31 46 4 0 0 775 407 287 81 0 775
ñVa - OZg§»`m 1,00,000 Am¡a A{YH$ _hmZJar`: 10,00,000 Am¡a A{YH$;
ñVa - OZg§»`m 50,000 go 99,999. ehar: 1,00,000 go 9,99,999 VH$;
ñVa - OZg§»`m 20,000 go 49,999. AY©-ehar: 10,000 go 99,999 VH$;
ñVa - OZg§»`m 10,000 go 19,999. J«m_rU: 9999 VH$ OZg§»`m&
ñVa - OZg§»`m 5,000 go 9,999.
ñVa - OZg§»`m 5,000 go H$_&
MmQ©> .27
I
MmQ©> .26
I ñQ¢>S>-AbmoZ ñdmñÏ` ~r_mH$Vm©Am|
ñQ¢>S>-AbmoZ ñdmñÏ` ~r_mH$Vm©Am|
H$m`m©b`m| H$m ^m¡Jmo{bH$ dJuH$aU dma {dVaU
H$m`m©b`m| H$m ñVa-dma {dVaU
~Ill
6% ~
~II ~
4% .............._
90%
ñQ¢>S>-AbmoZ ñdmñÏ` ~r_mH$Vm©Am| Ho$ H$m`m©b`m| H$m amÁ` Am¡a ~r_mH$Vm©Am| Ho$ Hw$b H$m`m©b`m| _| go 90% 14 amÁ`m|/g§KamÁ`
g§KamÁ` joÌ dma {dVaU… joÌm| (`yQ>r) _| pñWV h¢& BgHo$ A{V[aº$, 9 amÁ` Am¡a g§KamÁ`
joÌ Eogo h¢ Ohm± Bg ñQ¢>S>-AbmoZ ñdmñÏ` ~r_mH$Vm©Am| H$m H$moB©
ñQ¢>S>-AbmoZ ñdmñÏ` ~r_mH$Vm©Am| Ho$ Hw$b H$m`m©b`m| (g§»`m
H$m`m©b` Zht h¡&
_| 393) _| go 53% H$m`m©b` nm±M amÁ`m| _| h¢, BZ ñdmñÏ`
64dm{f©H$ [anmoQ©>
2017-18
gmaUr .80
I
H$m`m©b`m| H$s g§»`m Ho$ Adamohr H«$_ _| ì`dpñWV ñQ¢>S>-AbmoZ ñdmñÏ` ~r_mH$Vm©Am| Ho$
H$m`m©b`m| H$s amÁ`-dma g§»`m (31 _mM© 2018 H$s pñW{V Ho$ AZwgma)
H«$_ g§. amÁ` H$m Zm_ H$m`m©b`m| H$s g§»`m H«$_ g§. amÁ` H$m Zm_ H$m`m©b`m| H$s g§»`m
1 _hmamï´> 113 20 {~hma 7
2 V{_bZmSw> 96 21 PmaI§S> 7
3 Ho$ab 73 22 Jmodm 4
4 H$Zm©Q>H$ 61 23 Oå_y d H$í_ra 4
5 CÎma àXeo 50 24 nwXwMoar 3
6 npíM_ ~J§ mb 45 25 {h_mMb àXeo 2
7 JwOamV 43 26 {Ìnwam 2
8 {X„r (EZgrQ>r) 37 27 _oKmb` 1
9 Vob§JmZm 33 28 AéUmMb àXoe 0
10 h[a`mUm 32 29 _{Unwa 0
11 _Ü` àXoe 31 30 {_Omoa_ 0
12 amOñWmZ 29 31 ZJmb¢S> 0
13 Am§Y« àXoe 28 32 {g{¸$_ 0
14 n§Om~ 27 33 A§X_mZ d {ZH$mo~ma 0
15 Amo{S>em 12 34 XmXam Am¡a ZJa hdobr 0
16 N>ÎmrgJ‹T> 10 35 X_U Ama¡ Xrd 0
17 CÎmamI§S> 9 36 bjÛrn (g§KamÁ` joÌ) 0
18 Ag_ 8
Hw$b 775
19 M§S>rJ‹T> 8
ñQ¢>S>-AbmoZ ñdmñÏ` ~r_mH$Vm©Am| Ho$ H$m`m©b`m| go `wº$/ Ho$ EH$ ~‹So> AZwnmV _| ñQ¢>S>-AbmoZ ñdmñÏ` ~r_mH$Vm©Am| Ho$
a{hV {Obm| H$s amÁ`-dma g§»`m… H$m`m©b` h¢& do h¢, Ho$ab (14 _| go 13), Am§Y« àXoe (13 _| go
11), {X„r EZgrQ>r (11 _| go 8) Am¡a Jmodm (2 _| go 2)&
So>Q>m H$m {Obm-dma {díbofU `h àH$Q> H$aVm h¡ {H$ Xoe _|
Xygar Amoa, 9 amÁ`m| Am¡a g§KamÁ` joÌm| AWm©Ë AéUmMb àXoe,
718 {Obm| _| go 228 {Obm| _| ñQ¢>S>-AbmoZ ñdmñÏ`
_{Unwa, {_Omoa_, ZJmb¢S>, {g{¸$_, A§X_mZ d {ZH$mo~ma, XmXam
~r_mH$Vm©Am| Ho$ H$m`m©b` h¢& Bg pñW{V Ho$ hmoVo hþE, ñQ¢>S>-
d ZJa hdobr, X_U Am¡a Xrd Ed§ bjÛrn Ho$ 490 {Obm| _|
AbmoZ ñdmñÏ` ~r_mH$Vm©Am| Ho$ H$m`m©b` Xoe _| 32% {Obm|
ñQ¢>S>-AbmoZ ñdmñÏ` ~r_mH$Vm©Am| H$m H$moB© H$m`m©b` Zht h¡&
_| pñWV h¢& Hw$N> amÁ`m| Am¡a g§KamÁ` joÌm| Ho$ _m_bo _| {Obm|
gmaUr .81
I
ñQ¢>S>-AbmoZ ñdmñÏ` ~r_mH$Vm©Am| Ho$ H$m`m©b`m| go `wº$/a{hV {Obm| H$s amÁ`-dma g§»`m
(31 _mM© 2018 H$s pñW{V Ho$ AZwgma)
H$«_ g.§ amÁ` H$m Zm_ {Obm |H$s g»§ `m H$m`mb© `m |g o`ºw $ {Obm |H$s g»§ `m H$m`mb© `m |g oa{hV {Obm |H$s g»§ `m
1 Am§Y« àXoe 13 11 2
2 AéUmMb àXeo 21 0 21
3 Ag_ 33 5 28
4 {~hma 38 3 35
5 N>ÎmrgJ‹T> 27 4 23
6 {X„r (EZgrQ>r) 11 8 3
7 Jmodm 2 2 0
65dm{f©H$ [anmoQ©>
2017-18
H$«_ g.§ amÁ` H$m Zm_ {Obm |H$s g»§ `m H$m`mb© `m |g o`ºw $ {Obm |H$s g»§ `m H$m`mb© `m |g oa{hV {Obm |H$s g»§ `m
8 JwOamV 33 15 18
9 h[a`mUm 22 14 8
10 {h_mMb àXoe 12 2 10
11 Oå_y d H$í_ra 22 1 21
12 PmaI§S> 24 3 21
13 H$Zm©Q>H$ 30 16 14
14 Ho$ab 14 13 1
15 _Ü` àXoe 51 11 40
16 _hmamï´> 36 18 18
17 _{Unwa 16 0 16
18 _oKmb` 11 1 10
19 {_Omoa_ 8 0 8
20 ZJmb¢S> 11 0 11
21 Amo{S>em 30 5 25
22 n§Om~ 22 9 13
23 amOñWmZ 33 11 22
24 {g{¸$_ 4 0 4
25 V{_bZmSw> 32 25 7
26 Vob§JmZm 31 12 19
27 {Ìnwam 8 1 7
28 CÎma àXoe 75 18 57
29 CÎmamI§S> 13 4 9
30 npíM_ ~§Jmb 23 14 9
31 A§X_mZ d {ZH$mo~ma 3 0 3
32 M§S>rJ‹T> 1 1 0
33 XmXam Am¡a ZJa hdobr 1 0 1
34 X_U Am¡a Xrd 2 0 2
35 bjÛrn (g§KamÁ` joÌ) 1 0 1
36 nwXwMoar 4 1 3
Hw$b 718 228 490
66dm{f©H$ [anmoQ©>
2017-18
MmQ©> .28
I
ñQ¢>S>-AbmoZ ñdmñÏ` ~r_m H§$n{Z`m| Ho$ H$m`m©b`m| H$m amÁ`-dma {dVaU
(g§»`mE± àË`oH$ amÁ` _| H$m`m©b`m| H$s g§»`m Xem©Vr h¢)
37
5 H$m`mb© `
5 10 H$m`mb© `
10-20 H$m`mb© `
20 40 H$m`mb© `
40 H$m`mb© `
AñdrH$aU : Cn`w©º$ _mZ{MÌ Ho$db àXe©H$ h¡ Am¡a dmñV{dH$ ^m¡Jmo{bH$ gr_m Zht Xem©Vm&
67dm{f©H$ [anmoQ©>
2017-18
.4.5.13 AÝ` nj à~§YH$m| (Q>rnrE) H$s H$m`©nÕ{V… gMy r gmaUr g.§ .82 _ |Xr JB ©h&¡ 2017-18 H$o Xma¡ mZ àm{YH$aU
I
Ûmam ZdrH¥$V Q>rnrE n§OrH$aUm| H$s gyMr gmaUr g§. .83 _| Xr
{dÎmr` df© 2017-18 Ho$ Xm¡amZ AmB©AmaS>rEAmB© Ho$ nmg 27
JB© h¡& Q>rnrE Zo AnZo ZoQ>dH$m] _| Z`o AñnVmbm| H$mo Omo‹S>Zo Ho$
Q>rnrE n§OrH¥$V Wo& df© 2017-18 Ho$ Xm¡amZ {H$gr Z`o Q>rnrE
Ûmam AñnVmbm| Ho$ ZoQ>dH©$ H$m {dñVma {H$`m h¡ O¡gm {H$ gmaUr
H$mo n§OrH$aU à_mUnÌ àXmZ Zht {H$`m J`m& 31 _mM© 2018
g§. .84 _| {d{Z{X©ï> {H$`m J`m h¡&
H$s pñW{V Ho$ AZwgma àm{YH$aU Ho$ nmg n§OrH¥$V Q>rnrE H$s
gmaUr .82
I
31 _mM© 2018 H$mo AÝ` nj à~§YH$m| (Q>rnrE) H$s gyMr
H«$_ AÝ` nj à~§YH$ (Q>rnrE) H$m Zm_ n§OrH$aU grAmoAma
g§. g§»`m H$~ VH$ d¡Y
1 `wZmBQo>S> hoëW Ho$`a nmaoI B§í`moa|g Q>rnrE àmBdoQ> {b{_Qo>S> 002 20.03.2020
2 _oS>r A{gñQ> B§í`moa|g Q>rnrE àmBdoQ> {b{_Qo>S> 003 20.03.2020
3 E_S>r B§{S>`m hoëW B§í`moa|g Q>rnrE àmBdoQ> {b{_Qo>S> 005 20.03.2020
4 n¡a_mCÝQ> hoëW g{d©goμO EÊS> B§í`moa|g Q>rnrE àmBdoQ> {b{_Qo>S> 006 20.03.2020
5 B©-_oS>rQo>H$ B§í`moa|g Q>rnrE {b{_Qo>S> 007 20.03.2020
6 ho[aQo>O hoëW B§í`moa|g Q>rnrE àmBdoQ> {b{_Qo>S> 008 20.03.2020
7 μ\$moH$g hoëW B§í`moa|g (Q>rnrE) àmBdoQ> {b{_Qo>S> 010 20.03.2020
8 _oS>rHo$`a B§í`moa|g Q>rnrE g{d©goμO (B§{S>`m) àmBdoQ> {b{_Qo>S> 012 20.03.2020
9 \¡${_br hoëW ßbmZ B§í`moa|g Q>rnrE {b{_Qo>S> 013 20.03.2020
10 ajm hoëW B§í`moa|g Q>rnrE àmBdoQ> {b{_Qo>S> 015 31.03.2020
11 dmBS>b hoëW B§í`moa|g Q>rnrE àmBdoQ> {b{_Qo>S> 016 15.05.2020
12 AÝ`wVm B§í`moE§g Q>rnrE BZ hoëW Ho$`a àmBdoQ> {b{_Qo>S> 017 15.05.2020
13 B©ñQ> doñQ> A{gñQ> B§í`moa|g Q>rnrE àmBdoQ> {b{_Qo>S> 018 15.05.2020
14 _oS>god hoëW B§í`moa|g Q>rnrE {b{_Qo>S> 019 14.05.2020
15 Oo{ZÝg B§{S>`m B§í`moa|g Q>rnrE {b{_Qo>S> 020 10.06.2020
16 Ab§{H$V B§í`moa|g Q>rnrE {b{_Qo>S> 021 17.11.2020
17 hoëW B§{S>`m B§í`moa|g Q>rnrE g{d©goμO àmBdoQ> {b{_Qo>S> 022 17.11.2020
18 JwS> hoëW B§í`moa|g Q>rnrE {b{_Qo>S> 023 26.01.2021
19 {dnwb _oS>H$m°n© B§í`moa|g Q>rnrE àmBdoQ> {b{_Qo>S> 024 28.02.2019
20 nmH©$ _oS>rŠbo_ B§í`moa|g Q>rnrE àmBdoQ> {b{_Qo>S> 025 27.09.2019
21 goμ\$do B§í`moa|g Q>rnrE àmBdoQ> {b{_Qo>S> 026 19.07.2020
22 AZ_mob _oS>rHo$`a B§í`moa|g Q>rnrE {b{_Qo>S> 027 26.10.2020
23 So>{S>Ho$Qo>S> hoëWHo$`a g{d©goμO Q>rnrE (B§{S>`m) àmBdoQ> {b{_Qo>S> 028 25.04.2018
24 J«¢S> B§í`moa|g Q>rnrE àmBdoQ> {b{_Qo>S> 029 15.05.2018
25 am°WerëS> B§í`moa|g Q>rnrE {b{_Qo>S> 030 15.07.2019
26 E[aŠgZ B§í`moa|g Q>rnrE àmBdoQ> {b{_Qo>S> 035 17.12.2018
27 hoëW B§í`moa|g Q>rnrE Am°μ\$ B§{S>`m {b{_Qo>S> 036 05.06.2020
68dm{f©H$ [anmoQ©>
2017-18
gmaUr .83 .4.5.15 OrdZ ~r_m CËnmXm| Ho$ gmW g§~Õ ñdmñÏ`
I I
2017-18 Ho$ Xm¡amZ ZdrH¥$V Q>rnrE ~r_m AZwd¥{Õ`m| (amBS>g©) Ho$ g§~§Y _|
n§OrH$aUm| H$s gyMr
AZwd¥{Õ`m± Omo _yb CËnmXm| Ho$ gmW g§~Õ H$s OmVr h¢,
H«$_ Q>rnrE n§OrH$aU
nm°{bgrYmaH$m| H$mo EH$ _yë` g§dY©Z Ho$ ê$n _| Xr OmVr h¢&
g§. H$m Zm_ g§»`m
OrdZ ~r_m nm°{b{g`m| Ho$ gmW g§~Õ ñdmñÏ` ~r_m AZwd¥{Õ`m|
1 dmBS>b hoëW B§í`moa|g Q>rnrE àmBdoQ> {b{_Qo>S> 016
Ho$ _mÜ`_ go é.234 H$amo‹S> H$m àr{_`_ àmá {H$`m J`m& BZ
2 AÝ`wVm B§í`moE§g Q>rnrE BZ hoëW Ho$`a àmBdoQ> {b{_Qo>S> 017
AZwd¥{Õ`m| go àmá Hw$b àr{_`_ _| go ZdrH$aU 47% (é.111
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5 Oo{ZÝg B§{S>`m B§í`moa|g Q>rnrE {b{_Qo>S> 020
H$aVo hþE Z`o OrdZ ~r_m _yb CËnmXm| Ho$ gmW 4.02 bmI
6 Ab§{H$V B§í`moa|g Q>rnrE {b{_Qo>S> 021
ñdmñÏ` ~r_m AZwd¥{Õ`m± Omar H$s JBª& Bgr Ad{Y Ho$ Xm¡amZ
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8 JwS> hoëW B§í`moa|g Q>rnrE {b{_Qo>S> 023
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10 hoëW B§í`moa|g Q>rnrE Am°μ\$ B§{S>`m {b{_Qo>S> 036
go g§~§{YV Xmdm| H$m {ddaU
11 goμ\$do B§í`moa|g Q>rnrE àmBdoQ> {b{_Qo>S> 026
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nm°{b{g`m± Am¡a àr{_`_ {dÎmr` df© 2017-18 Ho$ Xm¡amZ OrdZ ~r_mH$Vm©Am| Zo 64039
Xmdm| Ho$ {ZnQ>mZ Ho$ {bE Xmdm| Ho$ ê$n _| é.239 H$amo‹S> AXm
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2 AZ_mob _oS>rHo$`a B§í`moa|g Q>rnrE {b{_Qo>S> 453 19 0 472
3 AÝ`wVm B§í`moE§g Q>rnrE BZ hoëW Ho$`a àmBdoQ> {b{_Qo>S> 311 114 68 357
4 So>{S>Ho$Qo>S> hoëWHo$`a g{d©goμO Q>rnrE (B§{S>`m) àmBdoQ> {b{_Qo>S> 5855 473 231 6097
5 B©ñQ> doñQ> A{gñQ> B§í`moa|g Q>rnrE àmBdoQ> {b{_Qo>S> 3933 1089 0 5022
6 B©-_oS>rQo>H$ B§í`moa|g Q>rnrE {b{_Qo>S> 5640 464 60 6044
7 E[aŠgZ B§í`moa|g Q>rnrE àmBdoQ> {b{_Qo>S> 4094 725 0 4819
8 \¡${_br hoëW ßbmZ B§í`moa|g Q>rnrE {b{_Qo>S> 7075 425 230 7270
9 μ\$moH$g hoëW B§í`moa|g (Q>rnrE) àmBdoQ> {b{_Qo>S> Q>rnrE H§$nZr Ûmam So>Q>m àñVwV Zht {H$`m J`m
10 Oo{ZÝg B§{S>`m B§í`moa|g Q>rnrE {b{_Qo>S> 4259 368 123 4504
11 JwS> hoëW B§í`moa|g Q>rnrE {b{_Qo>S> 5003 502 63 5442
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14 hoëW B§í`moa|g Q>rnrE Am°μ\$ B§{S>`m {b{_Qo>S> 1616 420 0 2036
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25 `wZmBQo>S> hoëW Ho$`a nmaoI B§í`moa|g Q>rnrE àmBdoQ> {b{_Qo>S> 4567 311 73 4805
26 dmBS>b hoëW B§í`moa|g Q>rnrE àmBdoQ> {b{_Qo>S> 8332 1462 902 8892
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d¡`{º$H$ ì`dgm` 549818 612638 226
Hw$b 550029 736385 236
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ZdrH$aU ì`dgm` go OrdZ ~r_mH$Vm©Am| H$m ñdmñÏ` ì`dgm`
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Hw$b 915975 1487709 694
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OrdZ ~r_m CËnmXm| Ho$ gmW g§~Õ ñdmñÏ` AZwd¥{Õ`m| (amBS>g©) Ho$ g§~§Y _| Z`m ì`dgm`
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Hw$b 402570 2408354 123
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OrdZ ~r_m CËnmXm| Ho$ gmW g§~Õ ñdmñÏ` AZwd¥{Õ`m| (amBS>g©) Ho$ g§~§Y _| ZdrH$aU ì`dgm`
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`moOZmAm| H$mo N>mo‹S>H$a 170 237080 8.4
d¡`{º$H$ ì`dgm` 1726917 1856333 102.4
Hw$b 1727087 2093413 110.8
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ñdmñÏ` ~r_m CËnmXm| Ho$ g§~§Y _| OrdZ ~r_mH$Vm©Am| Ho$ Ûmam g§^mbo J`o Xmdm| H$m {ddaU
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.1.8 ~r_m ^§S>mam| ([anmo{OQ>arg) Ho$ g§~§Y _| Am¡a ~r_m àm{YH$aU Ûmam Omar {H$`o J`o {H$gr AÝ` n[anÌ Ûmam
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1. BboŠQ´>m°{ZH$ hñVmja Am°ZbmBZ / BboŠQ´>m°{ZH$ gmYZm|
àm{YH$aU Zo {ZåZ{b{IV H$mo {d{Z{X©ï> H$aVo hþE
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àXmZ H$aZo Ho$ {bE àm{YH$aU B©-hñVmja Ho$ {dH$ën Ho$
Ûmam {Zdoe) {Xem{ZX}e, 2017 Omar {H$`o h¢ :
ê$n _| B©AmB©E ImobZo Ho$ {bE "EH$~maJr (dZQ>mB_)
nmgdS©>' Ûmam {d{Y_mÝ`Vm H$s AZw_{V XoVm h¡& `o {Xem{ZX}e AgyMr~Õ ~r_m H§$n{Z`m| na Am¡a CZ {ZOr
(cid:129)
B©{¹$Q>r {Z{Y`m| na bmJy h¢ {OÝhm|Zo AgyMr~Õ ~r_m
2. EH$~maJr (dZQ>mB_) nmgdS©> (AmoQ>rnr) AmYm[aV B©-
H§$n{Z`m| _| {ZdoeH$ Ho$ ê$n _| AWdm àdV©H$ Ho$ ê$n _|
Ho$dmB©gr àm{YH$aU B©AmB©E ImobZo Ho$ {bE ~r_m
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[anmo{OQ>[a`m| Am¡a ~r_m nm°{b{g`m| Ho$ BboŠQ´>m°{ZH$ {ZJ©_
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à{VñWm{nV H$aVm h¡;
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go {H$`m Om gH$Vm h¡…
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AJñV 2017 _| {X`o J`o ê$n _| `yAmB©S>rEAmB© Ûmam àXÎm
g^r ^maVr` {ZdoeH$ ~r_m H§$nZr H$s àXÎm B©{¹$Q>r eo`a
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AZwnmbZ Ho$ AYrZ àdV©H$ H$s j_Vm _| {deof à`moOZ
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20.89 bmI H$s VwbZm _| 31 _mM© 2018 H$mo 20.83 Wr&
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1. ~r_m {d{Y (g§emoYZ) A{Y{Z`_, 2015 Ho$ àdV©Z Ho$ n[aUm_ñdê$n, ~r_m {d{Y (g§emoYZ) A{Y{Z`_, 2015 _| EH$ ZB© Ymam
g_m{dï> H$s JB© h¡ {Og_| H$hm J`m h¡ {H$ àË`oH$ ~r_mH$Vm© AnZo Ûmam {H$`o J`o g_ñV ì`dgm` Ho$ g§~§Y _| ~r{_V am{e Am¡a àr{_`_
Ho$ Vm¡a na EH$ {d{Z{X©ï> Ý`yZV_ gr_m go A{YH$ dmbr nm°{b{g`m± BboŠQ´>m°{ZH$ ê$n _| Bg A{Y{Z`_ Ho$ AYrZ ~Zm`o J`o {d{Z`_m| Ûmam
{d{Z{X©ï> {H$`o OmZodmbo VarHo$ go Am¡a ê$n _| Omar H$aZo Ho$ {bE à`mg H$aoJm&
2. àm{YH$aU Zo BboŠQ´>m°{ZH$ ~r_m nm°{b{g`m| Ho$ {ZJ©_ Am¡a Ý`yZV_ (W«oemoëS>) gr_mAm| Ho$ g§~§Y _| {d{Z`_ ~Zm`o h¢&
3. Cº$ {d{Z`_m| H$s _w»` {deofVmE± {ZåZmZwgma h¢ :
CgH$s ì`mH$aU g§~§Yr {d{^ÞVmAmo± Am¡a ghmWu A{^ì`{º$Am| Ho$ gmW "B©-hñVmja g§~Õ H$aZo" go BboŠQ´>m°{ZH$ hñVmja Ho$ Ûmam EH$
(cid:129)
BboŠQ´>m°{ZH$ A{^boI H$mo à_mUrH¥$V H$aZo Ho$ à`moOZ Ho$ {bE {H$gr ì`{º$ Ho$ Ûmam {H$gr H$m`©nÕ{V AWdm à{H«$`m H$mo AnZmZm A{^àoV
h¡;
"B©-àñVmd" go g§^m{dV J«mhH$m| Ûmam BboŠQ´>m°{ZH$ ê$n _| \$mBb H$s JB© Am¡a B©-hñVmja Ho$ gmW g§~Õ H$s JB© ~r_m nm°{bgr H$m àñVmd
(cid:129)
\$m_© A{^àoV h¡&
"B©-~r_m nm°{bgr" AWdm "BboŠQ´>m°{ZH$ ~r_m nm°{bgr" go dh nm°{bgr XñVmdoO A{^àoV hmoJm Omo ~r_mH$Vm© Ûmam Omar H$s JB© VWm {d{Y
(cid:129)
Ho$ Ûmam {ZYm©[aV bmJy àmdYmZm| Ho$ AZwgma {S>{OQ>b Vm¡a na hñVmj[aV Am¡a nm°{bgrYmaH$ H$mo grYo BboŠQ´>m°{ZH$ ê$n _| AWdm n§OrH¥$V
~r_m [anmo{OQ>ar Ho$ ßboQ>\$m_© Ho$ _mÜ`_ go Omar H$s JB© ~r_m g§{dXm H$m à_mU h¡&
107dm{f©H$ [anmoQ©>
2017-18
BboŠQ´>m°{ZH$ {d{Y go ~r_m ì`dgm` H$s Anojm H$aZodmbm àË`oH$ ~r_mH$Vm© àm{YH$aU Ûmam AZw_mo{XV ^m¡{VH$ àñVmd \$m_© Ho$ hr g_mZ
(cid:129)
EH$ B©-àñVmd H$m {Z_m©U H$aoJm& `h Amdí`H$ h¡ {H$ Bg àH$ma H$m \$m_© {S>{OQ>b VarHo$ go Eogr gyMZm àmá H$aZo _| g_W© hmo, Omo gwJ_
àg§ñH$aU Am¡a g{d©qgJ _| ghm`H$ hmo gHo$&
Cº$ B©-àñVmd \$m_© _| BboŠQ´>m°{ZH$ ~r_m ImVm (B©AmB©E) g§»`m H$mo àmá H$aZo Ho$ {bE EH$ ñV§^ ^r hmoJm, Omo àñVmdH$ Ho$ Ûmam ^am
(cid:129)
OmEJm&
`{X g§^m{dV J«mhH$ Ho$ nmg H$moB© B©AmB©E ImVm g§»`m Zht h¡, Vmo ~r_mH$Vm© B©AmB©E g§»`m Ho$ {Z_m©U _| ghm`Vm H$aoJm&
(cid:129)
g§^m{dV J«mhH$ B©-~r_m àñVmd \$m_© _| Amdí`H$ {ddaU àñVwV H$a|Jo, {Ogna àñVmdH$ Ho$ {H$gr AÝ` BboŠQ´>m°{ZH$ à_mUrH$aU go `wº$
(cid:129)
B©-hñVmja hm|Jo&
nm°{bgrYmaH$ H$mo grYo ~r_mH$Vm© Ûmam BboŠQ´>m°{ZH$ ê$n _| Omar H$s JB© g^r nm°{b{g`m± ^m¡{VH$ ê$n _| ^r Omar H$s OmE±Jr, O~ VH$ {H$
(cid:129)
àm{YH$aU Bg ~mV go g§Vwï> hmoZo na {H$ `h nm°{bgrYmaH$m| Ho$ {hV _| VWm ~r_m CÚmoJ Ho$ gwì`dpñWV {dH$mg Ho$ {bE h¡, ^m¡{VH$ ê$n _|
Eogo {ZJ©_ go Ny>Q> Zht XoVm&
~eV} {H$ Eogr Ny>Q>m| Ho$ gmW {d{Z{X©ï> eV] {ZYm©[aV H$s Om gH$Vr h¢ Omo ~r_mH$Vm© Ho$ Ûmam nyar H$s OmE±Jr&
Cn`w©º$ Ho$ ~mdOyX, nm°{bgrYmaH$m| Ûmam _m±J H$s OmZo na, ~r_mH$Vm©Am| Ûmam ^m¡{VH$ nm°{bgr ^r Omar H$s OmEJr&
BboŠQ´>m°{ZH$ nm°{b{g`m± ~r_mH$Vm©Am| Ûmam nm°{bgrYmaH$m| H$mo grYo AWdm n§OrH¥$V ~r_m [anmo{OQ>[a`m| Ho$ _mÜ`_ go Omar H$s Om gH$Vr h¢&
(cid:129)
~r_mH$Vm© BboŠQ´>m°{ZH$ nm°{b{g`m± Omar H$a|Jo Omo ~r{_V am{e H$s gr_m AWdm ZrMo {ZYm©[aV EH$b/ dm{f©H$ àr{_`_ H$s gr_m go A{YH$
(cid:129)
h¢ :
ì`dgm` H$s ì`dñWm ~r{_V am{e*
({ZåZ H$o g_mZ `m EH$b/dm{fH© $ àr{_`_*
Cgg o A{YH$) (é._)| ({ZåZ H$o g_mZ `m Cgg o A{YH$)
{dewÕ Ad{Y (AmaAmonr g{hV Ad{Y H$mo N>mo‹S>H$a)** 10,00,000/- 10,000/-
{dewÕ Ad{Y H$mo N>mo‹S>H$a AÝ` (AmaAmonr Ho$ gmW Ad{Y g{hV)** 1,00,000/- 10,000/-
ne| Z nm{°b{g`m± bmJ y Zht 10,000/-
VmËH$m{bH$ dm{f©{H$`m±
(n|eZ à{V df©) bmJ y Zht 10,000/-
_moQ>a H$mo N>mo‹S>H$a AÝ` g^r IwXam gmYmaU ~r_m nm°{b{g`m± 10,00,000/- 5,000/-
d¡`{º$H$ ñdmñÏ` 5,00,000/- 10,000/-
_mQo >a IXw am g^r nm{°b{g`m± g^r nm{°b{g`m±
{d{dY ì`{º$JV d¡`{º$H$ XwK©Q>Zm Am¡a Xoer `mÌm 10,00,000/- 5,000/-
ì`{º$JV `mÌm ~r_m ({dXoer) g^r nm°{b{g`m±
~r_m B©-H$m°_g© g§~§Yr {Xem{ZX}e
1. AmB©AmaS>rE Ho$ {dH$mgmË_H$ A{YXoe (_¢So>Q>) Ho$ ^mJ Ho$ ê$n _| àm{YH$aU ~r_m Ho$ ñWmZ _| B©-H$m°_g© Ho$ g§dY©Z Ho$ {bE ghm`Vm àXmZ
H$a ahm h¡ Omo ~r_m ì`dgm` Ho$ g§MmbZ H$s bmJV H$mo H$_ H$aoJm VWm CƒVa H$m`©Hw$ebVm Am¡a A{YH$m{YH$ nhþ±M H$mo g§^d
~Zm`oJm&,~r_m ì`mnZ _| d¥{Õ H$aZo Am¡a EH$ {H$\$m`Vr VarHo$ go {dÎmr` g_mdoeZ H$mo {H«$`mpÝdV H$aZo Ho$ {bE B©-H$m°_g© H$mo EH$ à^mdr
_mÜ`_ Ho$ ê$n _| XoIm OmVm h¡& BgHo$ n[aUm_ñdê$n, àm{YH$aU Zo ~r_m B©-H$m°_g© Ho$ g§~§Y _| {Xem{ZX}e Omar {H$`o h¢&
2. Cº$ {Xem{ZX}e ~r_m ñd-ZoQ>dH©$ ßboQ>\$m_© H$mo n[a^m{fV H$aVo h¢ Omo EH$ àm¡Úmo{JH$s ßboQ>\$m_© h¡& `h Ho$db AmB©AmaS>rE Ûmam àXmZ {H$`o
J`o n§OrH$aU à_mUnÌ go `wº$ g§ñWmAm| H$mo hr AZw_{V XoVm h¡, O¡go ~r_mH$Vm©, ~r_m _Ü`dVu&
3. ~r_m ñd-ZoQ>dH©$ ßboQ>\$m_© ^maV _| ~r_m B©-H$m°_g© H$m`©H$bmn H$aoJm, O¡go ~r_m CËnmXm| H$m {dH«$` Am¡a CZH$s g{d©qgJ&
108dm{f©H$ [anmoQ©>
2017-18
4. Cº$ {Xem{ZX}e EH$ ~r_m ñd-ZoQ>dH©$ ßboQ>\$m_© ñWm{nV H$aZo Ho$ {bE AZw_{V àXmZ H$aZo H$s à{H«$`m {ZYm©[aV H$aVo h¢& Bg_| em{_b h¢,
AmdoXZ \$mBb H$aZm, gyMZm Am¡a ñnï>rH$aU àñVwV H$aZm, AZw_{V àXmZ H$aZm Am¡a CgH$s eV]&
5. Cº$ {Xem{ZX}e Am§V[aH$ {ZJamZr, g_rjm VWm àUm{b`m| Am¡a {Z`§ÌUm| H$m _yë`m§H$Z ^r {ZYm©[aV H$aVo h¢&
6. Bg àH$ma H$s ~mø boIm-narjm H$m {dñVma g_`-g_` na àm{YH$aU Ûmam {ZYm©[aV ê$n _| hmoJm&
7. BgHo$ A{V[aº$, gh^mJr àUm{b`m| H$s dm{f©H$ g_rjm H$aVo hþE, ha g_` _mZH$sH$aU Ho$ {bE A§Vaamï´>r` g§JR>Z AWdm A§Vaamï´>r`
BboŠQ´>mo-VH$ZrH$s Am`moJ Ho$ gyMZm gwajm à~§Y àUmbr _mZH$ `m CgHo$ g_H$j H$m AZwnmbZ gw{ZpíMV H$aoJm&
8. gh^mJr grAmB©EgE boIm-narjH$ Am¡a gyMZm gwajm à~§Y àUmbr H$s [anmoQ©> ~moS©> AWdm CgH$s Cn-g{_{V Ho$ g_j CZH$s {Q>ßn{U`m|
Ho$ {bE àñVwV H$aoJm&
9. Cº$ {Xem{ZX}e ~r_m ñd-ZoQ>dH©$ ßboQ>\$m_© Am¡a CgHo$ Xm{`Ëdm| Ho$ {bE EH$ AmMaU-g§{hVm àñVm{dV H$aVo h¢&
10. Cº$ {Xem{ZX}e n[aMmbZ g§~§Yr {df`m| H$mo ^r g_m{dï> H$aVo h¢ VWm {Z`{_V B§Q>aZoQ> do~gmBQ> (So>ñH$Q>m°n Am¡a _mo~mBb) AWdm _mo~mBb
Eon AWdm XmoZm| na CnbãY AmB©EgEZnr H$mo ^r g_m{dï> H$aVo h¢& `h {d^oXH$ H$s_V-{ZYm©aU Ho$ {bE AZw_{V XoVm h¡ O~ {dH«$` ~r_m
ñd-ZoQ>dH©$ ßboQ>\$m_© Ho$ _mÜ`_ go {H$`m OmVm h¡&
11. ~r_m ñd-ZoQ>dH©$ ßboQ>\$m_© na {H$`o J`o ~r_m ì`dgm` Ho$ {bE àñVmd \$m_© na AmÐ© (doQ>)/ ^m¡{VH$ hñVmja Zht hm|Jo VWm BgHo$ ~Xbo
BboŠQ´>m°{ZH$ hñVmja AWdm {S>{OQ>b hñVmja AWdm EH$b H$maH$ à_mUrH$aU O¡go EH$~maJr (dZ Q>mB_) nmgdS©>, n¡Z H$mS©> Am¡a
OÝ_{V{W à_mUrH$aU n`m©á hmoJm& ~r_m ñd-ZoQ>dH©$ ßboQ>\$m_© na ~r_m nm°{b{g`m| H$m {dH«$` H$aZo go nhbo EH$ B©-~r_m ImVo H$m {Z_m©U
A{Zdm`© (_¢So>Q>ar) H$a {X`m J`m h¡&
12. àm{YH$aU Ûmam 31.3.2018 H$s pñW{V Ho$ AZwgma àg§ñH$aU {H$`o J`o AmB©EgEZnr AmdoXZm| H$s g§»`m {ZåZmZwgma h¡…
àg§ñH$aU {H$`o J`o AmdoXZm| H$s g§»`m
~r_mH$Vm© 47
Xbmb 67
H$m°anmoaoQ> EO|Q> 17
do~ g§J«mhH$ 19
Hw$b 150
~r_mH$Vm©Am| Ho$ {bE gyMZm Am¡a gmB~a gwajm g§~§Yr {Xem{ZX}e
1. àm{YH$aU Zo ~r_mH$Vm©Am| Ho$ {bE gyMZm Am¡a gmB~a gwajm g§~§Yr {Xem{ZX}e Aà¡b 2017 _| Omar {H$`o h¢ Omo 1 Aà¡b 2018 go bmJy
hm|Jo&
2. `o {Xem{ZX}e g^r ~r_mH$Vm©Am| na bmJy h¢& _Ü`d{V©`m| Am¡a AÝ` {d{Z`{_V g§ñWmAm| Ho$ _m_bo _|, {OZHo$ gmW nm°{bgrYmaH$ g§~§Yr
gyMZm H$s gmPoXmar H$s OmVr h¡, `h gw{ZpíMV H$aZm ~r_mH$Vm©Am| H$m Xm{`Ëd h¡ {H$ do n`m©á ì`dñWmE± H$m`m©pÝdV H$a| {Oggo `h
gw{ZpíMV {H$`m Om gHo$ {H$ gyMZm Am¡a gmB~a gwajm go g§~§{YV g_ñ`mAm| H$m g_mYmZ {H$`m OmE&
3. CZ ~r_mH$Vm©Am| H$mo {OÝhm|Zo ì`dgm` Ho$ àma§^ H$s VmarI go VrZ df© nyao Zht {H$`o h¢, _w»` gyMZm gwajm A{YH$mar (grAmB©EgAmo) Ho$
ê$n _| EH$ nyU©H$m{bH$ ì`{º$ H$mo {Z`wº$ H$aZo H$s Anojm go Ny>Q> Xr JB© h¡& VWm{n, Cº$ grAmB©EgAmo Ho$ Xm{`Ëd H$m Ü`mZ ~moS©> H$mo [anmoQ©>
H$aZodmbo {H$gr ^r A{YH$mar Ho$ Ûmam aIm Om gH$Vm h¡& {Xem{ZX}em| Ho$ XñVmdoO _| {ZYm©[aV g^r AÝ` AnojmE± BZ ~r_mH$Vm©Am| na bmJy
hm|Jr&
4. H$m`m©Ýd`Z Ho$ {bE g_`-gr_mE±
109dm{f©H$ [anmoQ©>
2017-18
1 EH$_mÌ _w»` gyMZm gwajm A{YH$mar (grAmB©EgAmo) Ho$ ê$n _| EH$ Cn`wº$ ê$n go Ah©Vm-àmá Am¡a 30 Aà¡b 2017
AZw^dr d[að> ñVa Ho$ A{YH$mar H$mo {Z`wº$ H$aZm Am¡a nXZm{_V H$aZm Omo CZH$s gyMZm AmpñV`m| H$s
gwajm hoVw nm°{b{g`m| H$mo gwñnï> ê$n go A{^ì`º$ H$aZo Am¡a CÝh| àd{V©V H$aZo VWm gyMZm gwajm g{_{V
(AmB©Eggr) Ho$ JR>Z Ho$ {bE CÎmaXm`r hmoJm&
2 A§Vamb {díbofU [anmoQ©> V¡`ma H$aZm (Bg {Xem{ZX}e XñVmdoO _| ~VmB© JB© AnojmAm| 30 OyZ 2017
H$s VwbZm _| EEg-AmB©Eg)
3 gmB~a g§H$Q> à~§Y `moOZm ~ZmZm 30 OyZ 2017
4 ~moS©> Ûmam AZw_mo{XV Zr{V Am¡a gmB~a gwajm Zr{V H$mo A§{V_ ê$n XoZm 31 OwbmB© 2017
5 ~moS©> Ûmam AZw_mo{XV gyMZm Am¡a gmB~a gwajm Zr{V Ho$ AZwê$n gyMZm Am¡a gmB~a gwajm ~r_m 30 {gV§~a 2017
(Eí`moa|g) H$m`©H«$_ (H$m`m©Ýd`Z `moOZm/ {Xem{ZX}e) ~ZmZm
6 àW_ ì`mnH$ gyMZm Am¡a gmB~a gwajm ~r_m (Eí`moa|g) boIm-narjm H$mo nyam H$aZm 31 _mM© 2018
Cn`w©º$ g_`-gr_mAm| Ho$ AZwgma ~r_mH$Vm©Am| Zo 31 _mM© 2018 VH$ nyU©V… AZwnmbZ {H$`m h¡&
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~r_mH$Vm©Am| Am¡a ~r_m _Ü`d{V©`m| Ûmam Zm_m§{H$V nrAmoEg Ho$ Xmohamd H$mo amoH$Zm Wm& AmJo ~‹T>Vo hþE `h XoIm J`m {H$ Bgr VH©$ H$m
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gË`mnH$m|, H$m°anmoaoQ EO|Q>m| Ho$ {d{Z{X©ï> ì`{º$`m| H$mo em{_b H$aVm h¡& ~r_m nm°{b{g`m| H$s Anojm Am¡a àm{á go g§~Õ d¡`{º$H$ ~r_m
EO|Q>m| Am¡a g^r AÝ` ì`{º$`m| H$mo g§~Õ H$aVo hþE So>Q>m~og H$m {Z_m©U àJ{V na h¡&
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110dm{f©H$ [anmoQ©>
2017-18
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2 nm°{bgrEŠg.H$m°_ B§í`moa|g do~ E{J«JoQ>a àm. {b.
5% 3%
3 AmoE B§í`moa|g do~ E{J«JoQ>g© àm. {b.
4 {μ\$ZJyb B§í`moa|g do~ E{J«JoQ>a àm. {b.
5 B©Or nm°{bgr B§í`moa|g do~ E{J«JoQ>a àm. {b.
6 nm°{bgr ~mOma B§í`moa|g do~ E{J«JoQ>a àm. {b.
7 _mB© B§í`moa|g Šb~ B§í`moa|g do~ E{J«JoQ>a àm. {b.
8 J«oQ> B§{S>`m B§í`moa|g do~ E{J«JoQ>a àm. {b. .
9 ~yZ B§í`moa|g do~ E{J«JoQ>a àm. {b.
10 H$ånoAa nm°{bgr B§í`moa|g do~ E{J«JoQ>a àm. {b.
11 ~mB© ñ_mQ©> nm°{bgr B§í`moa|g do~ E{J«JoQ>a àm. {b.
12 E_EgE\$ B§í`moa|g do~ E{J«JoQ>a àm. {b.
13 nm°{bgr _§Ì B§í`moa|g do~ E{J«JoQ>a àm. {b. .
14 So>pÁQ>ZoeZ B§í`moa|g do~ E{J«JoQ>a àm. {b..
MmQ©> .12
II
15 E EÊS> E XwH$mZ B§í`moa|g do~ E{J«JoQ>a àm. {b. do~ g§J«mhH$ - nm°{b{g`m| H$s g§»`m
16 {μO{~H$m B§{S>`m B§í`moa|g do~ E{J«JoQ>a àm. {b.
17 _¢JmoQ´>r B§í`moa|g do~ E{J«JoQ>a àm. {b.
1,39,187
18 B©Q>rB§í`moa B§í`moa|g do~ E{J«JoQ>a àm. {b. . 9% 7923, 1%
19 H$dZ}ñQ> B§í`moa|g do~ E{J«JoQ>a àm. {b.
20 nm°{bgr ßb¡Za B§í`moa|g do~ E{J«JoQ>a àm. {b.
21 grEZ~r B§í`moa|g do~ E{J«JoQ>a àm. {b.
22 dZñQo>nm°{bgr B§í`moa|g do~ E{J«JoQ>a àm. {b.
23 BÝñQ>m~r_m B§í`moa|g do~ E{J«JoQ>a àm. {b.
24 Amdu B§í`moa|g do~ E{J«JoQ>a àm. {b. .
25 [añH$Amodar B§í`moa|g do~ E{J«JoQ>a àm. {b.
26 nm°{bgr _mñQ>a B§í`moa|g do~ E{J«JoQ>a àm. {b.
111dm{f©H$ [anmoQ©>
2017-18
grEggr {d{Z`_m| Ûmam àñVm{dV ~r_m godmAm| H$s _w»`- 8. Cº$ {d{Z`_m |_ |àYmZ A{YH$mar, AmaEnr, grEggr-
_w»` {deofVmE± {ZåZmZwgma h¢ : Egnrdr Am¡a ~r_mH$Vm©Am| Ho$ {bE AmMaU-g§{hVm
VWm H$V©ì` Am¡a Xm{`Ëd {ZYm©[aV {H$`o J`o h¢& BZ
1. grEggr-Egnrdr ~r_m CËnmXm| H$m {dnUZ H$a|Jo VWm
{d{Z`_m| _| J«mhH$m| H$s {eH$m`Vm| na H$ma©dmB© H$s
CZ ~r_m H§$n{Z`m| Ho$ grEggr ZoQ>dH©$ Ho$ _mÜ`_ go
à{H«$`m H$s ê$naoIm Xr JB© h¡&
AÝ` ~r_m g§~§Yr godmE± ^r àXmZ H$a|Jo {OÝhm|Zo
grEggr-Egnrdr Ho$ gmW H$ama {H$`m h¡& 9. grEggr-Egnrdr, godm ^mJrXma EO|gr Am¡a AmaEnr
Ho$ ~rM nm[al{_H$, àXÎm H$_reZ Ho$ H«$_e… 8% go
2. grEggr-Egnrdr grEggr B©-JdZ¤g g{d©goμO
AZ{YH$, 12% go AZ{YH$ Am¡a 80% go AÝ`yZ
{b{_Q>oS>, {defo à`mOo Z _mÜ`_ h ¡Om ogrEggr ZQo >dH$©
AZwnmV _| {d{Z{X©ï> {H$`m J`m h¡& VWm{n, AmaEnr
Ho$ _mÜ`_ go ^maV Ho$ ZmJ[aH$m| H$mo gaH$mar, {ZOr
Ûmam àñVm{dV H$s OmZodmbr ~r_m g§~§Yr godmAm| Ho$
Am¡a gm_m{OH$ joÌ godmAm| Ho$ {dVaU H$mo gwgmÜ`
g~§ Y§ _ |{ZU`© H$aZm grEggr-Egnrdr Ama¡ ~r_mH$Vm©
~ZmZo Ho$ {bE g§ñWm{nV h¡&
Ho$ ~rM N>mo‹S> {X`m J`m h¡&
3. J«m_rU àm{YH¥$V ì`{º$ (AmaEnr) J«m_-ñVar` CÚ_r
10. à{V ~r_mH$Vm© "20 bmI én`o Ho$ Am°Z-~mo{Sª>J à^ma,
(drEbB©) ì`{º$ hmoJm Omo ~r_m CËnmXm| H$m {dnUZ
Omo EH$ {Zb§~ (EñH«$mo) ImVo _| AXm {H$`o OmVo h¢,
H$aZo Am¡a ~r_o go g§~§{YV godmE± àXmZ H$aZo Ho$ {bE
grEggr-Egnrdr Ûmam ~r_mH$Vm©Am| na à^m[aV H$aZo
gm_mÝ` godm Ho$ÝÐ H$m n[aMmbZ Am¡a à~§Y H$aZo Ho$
H$s AZw_{V Xr JB© h¡ Vm{H$ AmaEnr ñVa na ~m°`mo-
{bE n§OrH¥$V Am¡a grEggr- Egnrdr Ûmam àm{YH¥$V
_o{Q´>H$ Am¡a AmB©AmaAmB©Eg CnñH$a H$s ~w{Z`mXr
hmo& Cgo 20 K§Qo> H$m à{ejU àmá H$aZm Mm{hE,
g§aMZm H$mo gwgmÜ` ~Zm`m Om gHo$, {Ogo g{H«$` hmoZo
EZAmB©B©EbAmB©Q>r Ûmam g§Mm{bV narjm CÎmrU© H$aZr
Ho$ g_` {Z_w©º$ {H$`m OmVm h¡&
Mm{hE VWm CgHo$ nmg 10dt H$jm `m CgH$s g_H$j
Ý`yZV_ `mo½`Vm hmoZr Mm{hE& 11. grEggr-Egnrdr Bg _mÜ`_ Ho$ A§VJ©V EH$_mÌ
CËnmXm| H$m {dnUZ H$a|Jo {OZHo$ g§~§Y _| eãX
4. {ZåZ{b{IV Ho$ {bE Ý`yZV_ nmÌVm eV], e¡{jH$
"grEggr" àma§^ _| hm|Jo& _moQ>a ~r_m Ho$ A§VJ©V ~r{_V
`m½o`VmE ±Ama¡ à{ejU H$s Anjo m {d{Z`_m |_ |{d{Z{Xï© >
am{e H$mo N>mo‹S>H$a BZ nm°{b{g`m| _| A{YH$V_ AZw_V
H$s JB© h¡
~r{_V am{e "2 bmI én`o h¡& dV©_mZ _| \$mBb EÊS>
`yμO {Xem{ZX}em| Ho$ A§VJ©V àm{YH$aU Ûmam OrdZ
H$. grEggr-Egnrdr H$m àYmZ A{YH$mar
~r_mH$Vm©Am| Ho$ {Z`{_V àr{_`_ ^wJVmZ go `wº$
I. grEggr-Egnrdr H$m AmaEnr&
bm^a{hV Ag§~Õ n[adVu ~r_m CËnmX Ed§ {Z`{_V
àr{_`_ ^wJVmZ go `wº$ {dewÕ gmd{Y ~r_m CËnmX
5. grEggr-Egnrdr Ho$ àYmZ A{YH$mar H$s Cn`wº$Vm
AZw_mo{XV {H$`o J`o h¢& Bgr àH$ma, _moQ>a ~r_m,
H$m {ZYm©aU H$aZo Ho$ {bE `mo½` Am¡a C{MV ({\$Q> EÊS>
d¡`{º$H$ XwK©Q>Zm ~r_m, _doer/newYZ ~r_m, {H$gmZ
àmona) _mZX§S> àñVm{dV {H$`m J`m h¡&
H$s nH¡ $oO nm{°bgr VWm gmYmaU ~r_m H$m A{¾ (\$m`a)
6. grEggr-Egnrdr H$mo n§OrH$aU, {d{Y_mÝ`Vm àXmZ Am¡a g§~Õ Omo{I_nyU© {Zdmg ~r_m H$mo àm{YH$aU Zo
H$aZo Am¡a n§OrH$aU Ho$ ZdrH$aU H$s à{H«$`m ^r AZw_moXZ àXmZ {H$`m h¡&
{d{Z{X©ï> H$s JB© h¡&
12. grEggr-Egnrdr Ama¡ AmaEnr H$o {déÕ AZew mg{ZH$
7. grEggr T>m±Mo Ho$ A§Xa godm ^mJrXma EO|gr h¢ {Og_| H$m`©dmhr Ho$ {bE {H«$`m{d{Y ^r àñVm{dV {d{Z`_m|
amÁ` Ûmam nXZm{_V EO|gr AWdm godm Ho$ÝÐ EO|gr _| {d{Z{X©ï> H$s JB© h¡&
AWdm grEggr `moOZm Ho$ A§VJ©V AÝ` H$moB© EO|gr
em{_b h¡ Omo J«m_-ñVar` CÚ_r (drEbB©) H$mo 13. Cº$ {d{Z`_m| _| ~r_mH$Vm©Am| Am¡a grEggr-Egnrdr
à{ejU, _mJ©Xe©Z Am¡a nam_e© àXmZ H$aoJr& Ûmam àm{YH$aU H$mo àñVwV H$s OmZodmar [anmoQ]> ^r
{d{Z{X©ï> H$s JB© h¢&
112dm{f©H$ [anmoQ©>
2017-18
14. grEggr-Egnrdr _mÜ`_ Ho$ g§~§Y _| gm§p»`H$s nrAmoEg - bmB\$ B§í`moa|g àmoS>ŠQ²>g H$s Hw$N> à_wI
1.4.2017 go 31.3.2018 VH$ H$s Ad{Y Ho$ {bE {deofVmE§
{ZåZmZwgma h¡…
n[a^m{fV nrAmoEg CËnmX H$mo gab gmXo do{Zbm àH$ma Ho$
H$. CZ AmaEnr H$s g§»`m {OÝhm|Zo à{ejU àmá CËnmXm| Ho$ ê$n _| n[a^m{fV {H$`m OmVm h¡ {Og_| àË`oH$
{H$`m h¡ Am¡a narjm CÎmrU© H$s h¡ VWm {OÝh| bm^ H$mo nyd©{ZYm©[aV {H$`m OmVm h¡ Am¡a {~H«$s Ho$ g_`
à_mUnÌ Omar {H$`o J`o h¢ 18,826 ñnï> ê$n g oIbw mgm {H$`m OmVm h ¡Ama¡ g_PZm ~hVþ AmgmZ
hmoVm h¡
I. Hw$b Z`m ~r_m àr{_`_ é.132.54 H$amo‹S> =
CËnmXm| H$s lo{U`m| H$mo {ZYm©[aV {H$`m J`m h¡ {OÝh|
é.47.32 H$amo‹S> (gmYmaU) + é. 2.02 H$amo‹S> (cid:129)
n¡am_rQ>a {Z{X©ï> H$aZo dmbo nrAmoEg CËnmX Ho$ ê$n _|
(OrdZ) + é. 83.2 H$amo‹S> (\$gb)
noe {H$`m Om gH$Vm h¡
J. g§J¥hrV Hw$b àr{_`_ (Z`m Am¡a ZdrH$aU) é.
nrAmoEg CËnmX Ho$ VhV Ho$db J¡a-Ow‹So> Am¡a ì`{º$JV
422.80 H$amo‹S> (cid:129)
CËnmXm| H$s noeH$e H$s AZw_{V
K. boZXoZm | H$s Hw$b g§»`m -- 11.48 bmI
nrAmoEg CËnmX Ho$ {bE EH$ à_wI μ\$sMa XñVmdoμO -
(cid:129)
gh - àñVmd μ\$m°_© {ZYm©[aV {H$`m
L>. ~r_mH$Vm©Am| H$s g§»`m {OZHo$ gmW H$ama
hñVmj[aV {H$`o J`o h¢ : gmYmaU 18; ñdmñÏ` {ZYm©[aV M¡Zb Omo nrAmoEg CËnmXm| H$mo _m§J gH$Vo h¢
(cid:129)
5; OrdZ 19.
nrAmoEg CËnmX ì`dgm` na àm{YH$aU H$mo AY©
(cid:129)
M. ~oMr JB© nm°{b{g`m| H$s g§»`m ) _moQ>a AÝ` nj dm{f©H$ [aQ>Z© O_m H$aZm&
2,61,489; ) _moQ>a n¡Ho$O 52,929; )
nrAmoEg ì`{º$`m| H$s Hw$N> à_wI {deofVmE§ - OrdZ
d¡`{º$H$ XwK©Q>Zm E 8,107; ) OrdZ ~r_m
~r_m
(Z`m) 23,876 VWm ) AÝ` 1192
n[a^m{fV nrAmoEg ì`{º$ Omo Ý`yZV_ `mo½`Vm aIZo
(cid:129)
N>. g_m{dï> {H$gmZm| H$s Hw$b g§»`m 8.29 bmI
dmbo ì`{º$ Ho$ ê$n _| à{ejU bo MwHo$ h¢ Am¡a
3.88 bmI (a~r) + 4.41 bmI (Iar\$)
{Xem{ZX}em| Am¡a AZwamoYm| _| {Z{X©ï> narjm CÎmrU© H$a
MwHo$ h¢ Am¡a àm{YH$aU Ûmam {Z{X©ï> CËnmXm| H$mo Ho$db
O. _moQ>a ì`mnH$, `mÌm ~r_m, μ\$gb ~r_m Am¡a
~mOmam| _| {Z{X©ï> H$aVo h¢&
gaH$mar ~r_m `moOZmAm| O¡go Z`o CËnmX
AZw_mo{XV CËnmXm| H$s gyMr _| Omo‹So> J`o h¢& à{ejU, narjm, nrAmoEg ì`{º$`m| H$s {Z`w{º$ na
(cid:129)
{ZYm©[aV àmdYmZ
{~H«$s H|$Ð {dH«o$Vm OrdZ, gmYmaU Am¡a ñdmñÏ`
CZ CËnmXm| H$mo {Z{X©ï> {H$`m {OÝh| nrAmoEg ì`{º$`m|
~r_mH$Vm© (cid:129)
Ûmam AZwamoY {H$`m Om gH$Vm h¡&
nr.Amo.Eg - OrdZ ~r_m H$Vm©
nrAmoEg- gmYmaU ~r_mH$Vm© Am¡a ñdmñÏ` ~r_m H$Vm©
.3.11 {Z`m_H$ Ho$ {dH$mg OZmXoe Ho$ {hñgo Ho$ ê$n _|
II .3.12 àm{YH$aU Zo nm`m {H$ Eogo H$B© ì`{º$ h¢ Omo ~r_m
~‹So> n¡_mZo na bmoJm| H$mo OrdZ ~r_m CËnmXm| VH$ AmgmZr go II
nm°{b{g`m| H$s Anojm Am¡a {dnUZ go g§~§{YV gab Am¡a
nhþ§M àXmZ H$aZo Am¡a ~r_m àdoe Am¡a KZËd ~‹T>mZo Ho$ {bE
Zo_r H$m`©H$bmnm| go g§~Õ h¢& CXmhaU Ho$ {bE _moQ>a ~r_m,
EH$ A{V[aº$ {\${bn XoZo Ho$ {bE, àm{YH$aU Zo OrdZ ~r_m
`mÌm ~r_m, d¡`{º$H$ XwK©Q>Zm ~r_m, Am{X _| A{YH$m§e
H§$n{Z`m| H$mo Amdí`H$ {Xem{ZX}e Omar {H$E h¢&
CËnmXm| Ho$ {bE ~hþV H$_ Omo{I_-A§H$Z Ano{jV h¡& `o
113dm{f©H$ [anmoQ©>
2017-18
A{YH$m§e Vm¡a na nhbo go Omo{I_ A§{H$V hmoVo h¢ {OZ_| L>. eV] {d{Z{X©ï> H$aVo hþE EH$ {b{IV H$ama
g§^m{dV J«mhH$ Ûmam Xr JB© gyMZm Ho$ AmYma na àUmbr {Zînm{XV H$aZ oH$o Ûmam g\$b Cå_rXdma H$m o{~H$«s
Ûmam ~r_m nm°{bgr ñdMm{bV ê$n go CËnÞ H$s OmVr h¡& Ho$ÝÐ {dH«o$Vm (nrAmoEg ng©Z) Ho$ ê$n _| {Z`wº$
Eogo CËnmX Ho$ {bE Amdí`H$ hñVjon AënV_ h¡ VWm Eogo H$aoJm&
ì`{º$`m| Ho$ {bE à{ejU Am¡a narjm Ý`yZVa n[a_mU H$s
M. {XZ H$s g_m{á na AmB©AmB©~r So>Q>m~og _| {ddaU
hmo gH$Vr h¡&
AnbmoS> H$aoJm&
Xoe _| ~r_m ì`dgm` H$s d¥{Õ H$mo gwgmÜ` ~ZmZo VWm ~r_m
N>. à{ejU Am¡a narjm H$m C{MV A{^boI Cg
ì`mnZ Am¡a ~r_m gKZVm H$mo ~‹T>mZo Ho$ {bE àm{YH$aU Zo
{dÎmr` df© H$s g_m{á go {Og_| BZH$m Am`moOZ
AnZr {dH$mgmË_H$ H$m`©gyMr Ho$ ^mJ Ho$ ê$n _| "{~H«$s H|$Ð
{H$`m J`m hmo, H$_ go H$_ nm±M (5) df© Ho$ {bE
{dH«o$VmAm|" g§~§Yr {ZåZ{b{IV {Xem{ZX}e Omar {H$`o&
aIoJm Omo àË`j (Am°ZgmBQ>) {ZarjU Ho$ Xm¡amZ
Cº$ {Xem{ZX}em| H$s _w»`-_w»` ~mV| {ZåZmZwgma h¢ : àm{YH$aU Ho$ {ZarjU A{YH$mar H$mo CnbãY
H$am`m OmEJm&
1. "{~H«$s H|$Ð {dH«o$Vm" Omo Ho$db àm{YH$aU Ûmam
AZw_mo{XV Hw$N> nhbo go Omo{I_-A§{H$V CËnmXm| H$s 6. EH$ "{~H«$s Ho$ÝÐ {dH«o$Vm" {H$gr ~r_m H§$nZr AWdm
hr Anojm Am¡a {dnUZ H$a gH$Vo h¢& ~r_m _Ü`dVu H$m à{V{Z{YËd H$a gH$Vm h¡&
2. àË`oH$ "{~H«$s H|$Ð {dH«o$Vm" CgH$s AmYma H$mS©> g§»`m
7. Cº$ "{~H«$s H|$Ð {dH«o$Vm" Ho$db {ZåZ{b{IV nyd©-
AWdm CgHo$ n¡Z H$mS©> Ûmam nhMmZm OmEJm&
Omo{I_-A§{H$V CËnmX hr ~oM gH$Vm h¡&
3. àm{YH$aU Ûmam AZ_w m{o XV Ego onhb og oOm{o I_-A{§ H$V
H$. Xwn{h`m, {ZOr H$ma Am¡a dm{UpÁ`H$ dmhZm| Ho$
CËnmXm |H$s Anjo m Ama¡ {dnUZ H$aZdo mb oì`{º$ "{~H$«s
{bE _moQ>a ì`mnH$ ~r_m n¡Ho$O nm°{bgr&
H|$Ð {dH«o$Vm" H$hbmE±Jo&
I. Xwn{h`m, {ZOr H$ma Am¡a dm{UpÁ`H$ dmhZm| Ho$
4. Cº$ "{~H$«s H$|Ð {dH$o«Vm" H$_ g oH$_ 10dt H$jm CÎmrU© {bE AÝ` nj Xo`Vm (EoŠQ> AmoZbr) nm°{bgr&
hmoJm&
J. d¡`{º$H$ XwK©Q>Zm nm°{bgr
5. ñQ¢>S>-AbmoZ ñdmñÏ` ~r_mH$Vm© g{hV gmYmaU K. `mÌm ~r_m nm°{bgr
~r_mH$Vm© AWdm ~r_m _Ü`dVu Omo {~H«$s Ho$ÝÐ {dH«o$Vm L>. J¥h ~r_m nm°{bgr
(nrAmoEg ng©Z) H$s {Z`w{º$ H$aZo H$m àñVmd H$aVm
M. μ\$gb ~r_m
h¡…
N>. ñdmñÏ` ~r_m nm°{bgr
H$. ~r_m gyMZm Ho$ÝÐ (AmB©AmB©~r), h¡Xam~mX _|
O. J§^ra ~r_mar
aI oJ` oS>oQ>m~go H$o gmW nZw … OmM± (H$«mg° -Mqo H$J)
P. ñdmñÏ` j{Vny{V©
H$aZo Ho$ Ûmam `h gw{ZpíMV H$aoJm {H$ AmdoXH$
{H$gr AÝ` ~r_mH$Vm© AWdm ~r_m _Ü`dVu Ho$ Äm. gaH$mar `moOZmE±, O¡go nrE_E\$~rdmB©/
nmg {Z`wº$ Zht h¡& nrE_Eg~rdmB©/S>ãë`y~rgrAmB©Eg/
grnrAmB©Eg
I. Cå_rXdma Ho$ {bE n§Ðh (15) K§Qo> H$m Am§V[aH$
à{ejU Am`mo{OV H$aoJm& Q>. newYZ ~r_m
R>. H¥${f nångoQ> ~r_m
J. à{ejU H$s g\$bVmnyd©H$ g_m{á Ho$ ~mX narjm
H$m g§MmbZ H$aoJm& S>. A{¾ (\$m`a) Am¡a g§~Õ Omo{I_ ({Zdmg)
T>. àm{YH$aU Ûmam {d{eï> ê$n go AZw_mo{XV H$moB©
K. narjm CÎmrU© H$aZodmbo Cå_rXdma H$mo n[anÌ Ho$
gmW g§b¾ \$m_}Q> _| EH$ à_mUnÌ Omar H$aoJm& AÝ` nm°{bgr&
114dm{f©H$ [anmoQ©>
2017-18
8. "{~H«$s H|$Ð {dH«o$Vm" Ho$ _mÜ`_ go ~oMr JB© àË`oH$ - 47947; ) ~r_m Xbmb - 46700; ) H$m°anmoaoQ>
nm°{bgr AbJ go nhMmZr OmEJr Am¡a Zm_ go nhbo EO|Q> 28993
"nrAmoEg (CËnmX H$m Zm_)" hmoJm&
18. gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm©Am| Ho$ 610 CËnmXm|
9. ~r_m H§$nZr àm{YH$aU Ho$ nmg gyMZmW© \$mBb EÊS> Am¡a EoS>-Am°Ýg Ho$ {bE àm{YH$aU Ûmam _§Oyar Xr JB©&
`yμO {Xem{ZX}em| Ho$ AYrZ CËnmX H$mo \$mBb H$aoJr&
.3.13 _moQ>a ~r_m godm àXmVm (E_AmB©Egnr)
II
10. àË`oH$ àñVmd \$m_© Mmho dh H$mJO na hmo AWdm
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43 AmB©AmaS>rE/EZEb/grAmB©Ama/{d{dY/206/08/2017 J¡a-OrdZ 8/31/2017 n[anÌ () bmoH$ AXmbVm|/ E_EgrQ>r _| Hw$N> ~r_m H§$n{Z`m| Ûmam gh^m{JVm Z
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44 AmB©AmaS>rE/EgS>rS>r/grAmB©Ama/{d{dY/204/08/2017 joÌdma {dH$mg 8/31/2017 n[anÌ AmYma AmYm[aV B©-Ho$dmB©gr Ho$ g§~§Y _| ñnï>rH$aU
45 AmB©AmaS>rE/~rAmaHo$/grAmB©Ama/AmB©EZEgAmaB©/211/09/2017 Xbmb 9/7/2017 n[anÌ (H$) ~r_m [anmo{OQ>[a`m| Am¡a ~r_m nm°{b{g`m| Ho$ BboŠQ´>m°{ZH$ {ZJ©_ g§~§Yr
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46 AmB©AmaS>rE/bmB\$/grAmB©Ama/nrAmo~r/213/09/2017 OrdZ 9/13/2017 n[anÌ ì`mdgm{`H$ _m°S>çyb Ho$ ñWmZm| Ho$ g§~§Y _| à`wº$ {H$`o OmZdombo ~rEnr
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47 AmB©AmaS>rE/bmB\$/grAmB©Ama/{d{dY/215/09/2017 OrdZ 9/15/2017 n[anÌ "~r_m {dkmnZm|" _| _¥Ë`w Xmdm| H$m So>Q>m/ ^wJVmZ {H$`o J`o _¥Ë`w Xmdm| Ho$
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48 AmB©AmaS>rE/Eg`yAma/AmoAmaS>r/{d{dY/218/09/2017 gd}jH$ 9/19/2017 AmXoe AmB©AmaS>rEAmB© (~r_m gd}jH$ Am¡a hm{Z {ZYm©aH$) {d{Z`_, 2015
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50 AmB©AmaS>rE/EMEbQ>r/{d{dY/AmoAmaS>r/221/09/2017 ñdmñÏ` {d^mJ 9/21/2017 {d{dY _ogg© J«m§S> B§í`moa|g Q>rnrE (àm.) {b. Ho$ _m_bo _| A§{V_ AmXoe
51 AmB©AmaS>rE/EZEb/OrS>rEb/{d{dY/223/09/2017 J¡a-OrdZ 9/21/2017 {Xem{ZX}e/AZwXoe {~hma amÁ` _| hmb _| (AJñV 2017) AmB© ~m‹T> Ho$ nr{‹S>Vm| Ho$ ~r_m
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54 AmB©AmaS>rE/Q>rEgr/AmoAmaS>r/ES>rE_EZ/231/10/2017 àewëH$ gbmhH$ma g{_{V 10/11/2017 AmXoe Q>rEgr H$m g_mnZ Am¡a A{YH$ AmpñV`m| H$m 5 nrEg`y H$s n¥ð>^y{_ H$mo
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55 AmB©AmaS>rE/AmB©Q>r/grAmB©Ama/{d{dY/232/10/2017 gyMZm àm¡Úmo{JH$s 10/12/2017 n[anÌ grE_S>r/ grBA© m oOrdZ ~r_mH$Vm,© gmYmaU ~r_mH$Vm,© ñdmñÏ` ~r_mH$Vm©
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58 AmB©AmaS>rE/grEOrQ>rEg/AmoAmaS>r/EbgrB©/236/10/2017 H$m°anmoaoQ> EO|Q> 10/23/2017 AmXoe _ogg© Ama Ho$ {bd-dob Eí`moa|g àmBdoQ> {b{_Qo>S>, H$m°anmoaoQ> EO|gr
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59 AmB©AmaS>E/AmB©EZQ>r/grAmB©Ama/nrEgnr/239/10/2017 _Ü`dVu {d^mJ 10/25/2017 n[anÌ nrAmEog H$o _mÜ`_ g oj{Vn{yV ©AmYm[aV ñdmñÏ` ~r_m CËnmX H$m g_mdeo Z
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60 AmB©AmaS>rE/EMEbQ>r/{d{dY/AmoAmaS>r/242/10/2017 ñdmñÏ` {d^mJ 10/31/2017 {d{dY _ogg© _¡Šg ~ynm hoëW B§í`moa|g H§$nZr {b. Ho$ _m_bo _| A§{V_ AmXoe
61 AmB©AmaS>rE/EMEbQ>r/{d{dY/AmoAmaS>r/243/10/2017 ñdmñÏ` {d^mJ 10/31/2017 {d{dY _ogg© `wZmBQo>S> B§{S>`m B§í`moa|g H§$nZr {b. Ho$ _m_bo _| A§{V_ AmXoe
62 AmB©AmaS>rE/AmB©EZQ>r/grAmB©Ama/E_AmB©Egnr/245/11/2017 _Ü`dVu {d^mJ 11/1/2017 n[anÌ _moQ>a ~r_m godm àXmVm (E_AmB©Egnr) nmoQ©>b
63 AmB©AmμaS>rE/OrdZ/grAmB©Ama/{d{dY/244/11/2017 OrdZ 11/1/2017 n[anÌ àm{YH$aU H$mo gy{MV {H$`o OmZodmbo ì`mdgm{`H$ Am§H$‹So>
64 AmB©AmaS>rE/AmB©EZQ>r/grAmB©Ama/E_AmB©Egnr/246/11/2017 _Ü`dVu {d^mJ 11/2/2017 n[anÌ _mQo>a ~r_m gdom àXmVm (E_AmBE©gnr) g~§Y§ r n[anÌ
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67 AmB©AmaS>rE/~rAmaHo$/{d{dY/grAmB©Ama/260/11/2017 Xbmb 11/30/2017 {d{dY Am°ZbmBZ à{ejU Ho$ {bE AZw_moXZ àXmZ H$aZm
68 AmB©AmaS>rE/Eg`yAma/{ddY/AmoAmaS>r/262/12/2017 gd}jV 12/4/2017 {d{dY AmB©AmB©AmB©EgEbE H$s MmQ©>S©> pñW{V àXmZ H$aZo Ho$ g§~§Y _| g{_{V H$m
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71 AmB©AmaS>rE/E\$EÊS>E/AmoAmaS>r/EgrQ>rEg/265/12/2017 {dÎm Am¡a boIm 12/13/2017 AmXoe ~r_m g§{dXmAm| Ho$ {df` _| Z`o _mZH$ (AmB©E\$AmaEg 17-~r_m
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73 AmB©AmaS>rE/EMEbQ>r/{d{dY/AmoAmaS>r/268/12/2017 ñdmñÏ` {d^mJ 12/20/2017 {d{dY _ogg© Amo[a`ÝQ>b B§í`moa|g H§$nZr {b. Ho$ _m_bo _| A§{V_ AmXoe
74 AmB©AmaS>rE/AmaAmB©/OrS>rEb/EgB©OoS>/269/12/2017 nwZ~u_m 12/21/2017 {Xem{ZX}e/AZwXoe EgB©OoS> - AmB©AmB©Amo Ho$ _m_bo _| {Xem{ZX}e
75 AmB©AmaS>rE/EZEb/grAmB©Ama/E_AmoQ>rnr/001/01/2018 J¡a-OrdZ 1/1/2018 n[anÌ AÝ` nj ~r_m H$daoO H$m {ZJ©_
76 AmB©AmaS>rE/AmB©EZQ>r/grAmB©Ama/E_AmB©Egnr/005/01/2018 _Ü`dVu {d^mJ 1/11/2018 n[anÌ E_AmBE©gnr {Xem{ZXe} m |g~§Y§ r ñnï>rH$aU
77 AmB©AmaS>rE/EgrQ>r/{d{dY/{d{dY/008/01/2018 ~r_m§{H$H$ 1/15/2018 {d{dY ~r_m§H$H$m| H$m g§emo{YV n¡Zb
78 AmB©AmaS>rE/EMEbQ>r/S>ãë`yAmaEZ/AmoAmaS>r/009/01/2018 ñdmñÏ` {d^mJ 1/17/2018 MoVmdZr gm_y{hH$ ~r_m g§~§Yr {Xem{ZX}em| H$m C„§KZ
79 AmB©AmaS>rE/Q>rnrE/{d{dY/AmoAmaS>r/011/01/2018 Q>rnrE (AmB©EZQ>rAmaE_B©) 1/22/2018 {d{dY _ogg© h¡nr B§í`moa|g Q>rnrE g{d©goμO àm. {b. Ho$ _m_bo _|
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88 AmB©AmaS>rE/AmB©EZQ>r/{d{dY/AmoAmaS>r/044/03/2018 _Ü`dVu {d^mJ 3/12/2018 {d{dY _ogag B©Q>r B§í`moa B§í`moa|g do~ E{J«JoQ>a {b. Ho$ _m_bo _| AmXoe
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#
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1 AmBA© maS>rE (~r_m gbmhH$ma g{_{V) (~R¡ >H$) {d{Z`_, 2000
2 AmBA© maS>rE ({Z`ºw $ ~r_mH§ $H$) {d{Z`_, 2000
3 AmBA© maS>rE (~r_m{§H$H$ [anmQo >© Ama¡ gmame§ ) {d{Z`_, 2000
4 AmBA© maS>rE (~r_m EOQ| >m |H$m bmBgg| rH$aU) {d{Z`_, 2000
5 AmBA© maS>rE (~r_mH$VmA© m |H$s AmpñV`m,± X`o VmE ±Ama¡ emYo j_Vm _m{OZ© ) {d{Z`_, 2000
6 AmBA© maS>rE (gmYmaU ~r_m - nZw ~u_m) {d{Z`_, 2000
7 AmBA© maS>rE (^maVr` ~r_m H$§n{Z`m |H$m nO§ rH$aU) {d{Z`_, 2000
8 AmBA© maS>rE (~r_m {dkmnZ Ama¡ àH$Q>rH$aU) {d{Z`_, 2000
9 AmBA© maS>rE (Jm«_rU gm_m{OH$ jÌo m |H$o à{V ~r_mH$VmA© m |H$o Xm{`Ëd) {d{Z`_, 2000
10 AmBA© maS>rE (~R¡ >H$|) {d{Z`_, 2000
11 AmBA© maS>rE (~r_m H$§n{Z`m |H$o {dÎmr` {ddaU Ama¡ bIo m-narjH$m |H$s [anmQo >© V`¡ ma H$aZm) {d{Z`_, 2000
12 AmBA© maS>rE ({Zdeo ) {d{Z`_, 2000
13 AmBA© maS>rE (A{YH$m[a`m |Ama¡ AÝ` H$_M© m[a`m |H$s gdo m H$s eV)] {d{Z`_, 2000
14 AmBA© maS>rE (~r_m gdj} H$ Ama¡ hm{Z {ZYma©H$ - bmBgg| rH$aU, ì`mdgm{`H$ Anjo mE ±Ama¡ AmMaU g{§hVm) {d{Z`_, 2000
15 AmBA© maS>rE (OrdZ ~r_m - nZw ~u_m) {d{Z`_, 2000
16 AmBA© maS>rE ({Zdeo ) (ge§ mYo Z) {d{Z`_, 2001
17 AmBA© maS>rE (AÝ` nj à~Y§ H$ - ñdmñÏ` gdo mE)± {d{Z`_, 2001
18 AmBA© maS>rE (nZw ~u_m gbmhH$ma g{_{V) {d{Z`_, 2001
19 AmBA© maS>rE ({Zdeo ) (ge§ mYo Z) {d{Z`_, 2002
20 AmBA© maS>rE (~r_m H$§n{Z`m |H$o {dÎmr` {ddaU Ama¡ bIo m-narjH$m |H$s [anmQo >© V`¡ ma H$aZm) {d{Z`_, 2002
21 AmBA© maS>rE (nm{°bgrYmaH$m |H$o {hVm |H$m ga§jU) {d{Z`_, 2002
22 AmBA© maS>rE (~r_m Xbmb) {d{Z`_, 2002
23 AmBA© maS>rE (Jm«_rU gm_m{OH$ jÌo m |H$o à{V ~r_mH$VmA© m |H$o Xm{`Ëd) {d{Z`_, 2002
24 AmBA© maS>rE (H$ma°nmaoQo > EOQ| >m |H$m bmBgg| rH$aU) {d{Z`_, 2002
25 AmBA© maS>rE (~r_m EOQ| >m |H$m bmBgg| rH$aU) (ge§ mYo Z) {d{Z`_, 2002
26 AmBA© maS>rE (nm{°bgrYmaH$m |H$o {hVm |H$m ga§jU) (ge§ mYo Z) {d{Z`_, 2002
27 AmBA© maS>rE (àr{_`_ H$s àm{á H$s {d{Y) {d{Z`_, 2002
28 AmBA© maS>rE (A{Yefo H$o {dVaU) {d{Z`_, 2002
29 AmBA© maS>rE (^maVr` ~r_m H$§n{Z`m |H$m nO§ rH$aU) (ge§ mYo Z) {d{Z`_, 2003
30 AmBA© maS>rE ({Zdeo ) (ge§ mYo Z) {d{Z`_, 2004
31 AmBA© maS>rE (AhV© m ~r_mH§ $H$) {d{Z`_, 2004
32 AmBA© maS>rE ( Jm«_rU/ gm_m{OH$ jÌo m |H$o à{V ~r_mH$VmA© m |H$o Xm{`Ëd) (ge§ mYo Z) {d{Z`_, 2004
33 AmBA© maS>rE (gúy _ ~r_m) {d{Z`_, 2005
34 AmBA© maS>rE (A{YH$m[a`m |Ama¡ AÝ` H$_M© m[a`m |H$s gdo m H$s eV)] (ge§ mYo Z) {d{Z`_, 2005
gaH$mar amOnÌ _| A{Ygy{MV
#
211dm{f©H$ [anmoQ©>
2017-18
Omar... AZw~§Y 9
31/03/2018 VH$ AmB©AmaS>rE A{Y{Z`_, 1999 Ho$ AYrZ ~Zm`o J`o {d{Z`_
#
H«$_ g§. A{YgyMZm H$m Zm_
35 AmBA© maS>rE (Jm«_rU AWdm gm_m{OH$ jÌo m |H$o à{V ~r_mH$VmA© m |H$m Xm{`Ëd) (ge§ mYo Z) {d{Z`_, 2005
36 AmBA© maS>rE (~r_m EOQ| >m |H$m bmBgg| rH$aU)(ge§ mYo Z) {d{Z`_, 2007
37 AmBA© maS>rE (H$ma°nmaoQo > EOQ| >m |H$m bmBgg| rH$aU) (ge§ mYo Z) {d{Z`_, 2007
38 AmBA© maS>rE (~r_m Xbmb) (ge§ mYo Z) {d{Z`_, 2007
39 AmBA© maS>rE (Jm«_rU AWdm gm_m{OH$ jÌo m |H$o à{V ~r_mH$VmA© m |H$m Xm{`Ëd) (Vrgam ge§ mYo Z) {d{Z`_, 2008
40 AmBA© maS>rE (Jm«_rU AWdm gm_m{OH$ jÌo m |H$o à{V ~r_mH$VmA© m |H$m Xm{`Ëd) (MmW¡ m ge§ mYo Z) {d{Z`_, 2008
41 AmBA© maS>rE (^maVr` ~r_m H$§n{Z`m |H$m nO§ rH$aU) (Xgy am ge§ mYo Z) {d{Z`_, 2008
42 AmBA© maS>rE (A{YH$m[a`m |Ama¡ AÝ` H$_M© m[a`m |H$s gdo m H$s eV)] (ge§ mYo Z) {d{Z`_, 2008
43 AmBA© maS>rE ({Zdeo ) (MmW¡ m ge§ mYo Z) {d{Z`_, 2008
44 AmBA© maS>rE (~r_m CËnmXm |H$o {dVaU H$o {bE S>oQ>m~go H$s gmPXo mar) {d{Z`_, 2010
45 AmBA© maS>rE (g_má g~§ Õ ~r_m nm{°b{g`m |H$m CnMma) {d{Z`_, 2010
46 AmBA© maS>rE (~r_m {dkmnZ Ama¡ àH$Q>rH$aU) (ge§ mYo Z) {d{Z`_, 2010
47 AmBA© maS>rE (H$ma°nmaoQo > EOQ| >m |H$m bmBgg| rH$aU) (ge§ mYo Z) {d{Z`_, 2010
48 AmBA© maS>rE (gmYmaU ~r_m ì`dgm` H$o g_m_bo Z Ama¡ AV§ aU H$s `mOo Zm) {d{Z`_, 2011
49 AmBA© maS>rE (OrdZ ~r_m H$§n{Z`m |Ûmam nO±y r H$m {ZJ_© ) {d{Z`_, 2011
50 AmBA© maS>rE (^maVr` ~r_m H$§n{Z`m |H$m nO§ rH$aU) (Vrgam ge§ mYo Z) {d{Z`_, 2012
51 AmBA© maS>rE (~r_m gbmhH$ma g{_{V) (~R¡ >H$|) (nhbm ge§ mYo Z) {d{Z`_, 2012
52 AmBA© maS>rE (Xeo r AWdm {dXeo r gñ§ Wm g og~§ {§YV Jmno Zr` gMy Zm H$s gmPXo mar) {d{Z`_, 2012
53 AmBA© maS>rE (^maVr` ~r_m H$§n{Z`m |H$m nO§ rH$aU) (MmW¡ m ge§ mYo Z) {d{Z`_, 2013
54 AmBA© maS>rE ({Z`ºw $ ~r_mH§ $H$) (nhbm ge§ mYo Z) {d{Z`_, 2013
55 AmBA© maS>rE (gmYmaU ~r_m - nZw ~u_m) {d{Z`_, 2013
56 AmBA© maS>rE (~r_m Xbmb) (Xgy am ge§ mYo Z) {d{Z`_, 2013
57 AmBA© maS>rE (OrdZ ~r_m ì`dgm` H$o g_m_bo Z Ama¡ AV§ aU H$s `mOo Zm) {d{Z`_, 2013
58 AmBA© maS>rE (AÝ` nj à~Y§ H$ - ñdmñÏ` gdo mE)± (nhbm ge§ mYo Z) {d{Z`_, 2013
59 AmBA© maS>rE (OrdZ ~r_m H$o {bE _mZH$ àñVmd \$m_)© {d{Z`_, 2013
60 AmBA© maS>rE (ì`dgm` H$o ñWmZ) {d{Z`_, 2013
61 AmBA© maS>rE (gmYmaU ~r_m H$§n{Z`m |Ûmam nO±y r H$m {ZJ_© ) {d{Z`_, 2013
62 AmBA© maS>rE (Ag~§ Õ ~r_m CËnmX) {d{Z`_, 2013
63 AmBA© maS>rE (ñdmñÏ` ~r_m) {d{Z`_, 2013
64 AmBA© maS>rE (g~§ Õ ~r_m CËnmX) {d{Z`_, 2013
65 AmBA© maS>rE ({Zdeo ) (nmM± dm ±ge§ mYo Z) {d{Z`_, 2013
66 AmBA© maS>rE (OrdZ ~r_m - nZw ~u_m) {d{Z`_, 2013
67 AmBA© maS>rE (~r_m gdj} H$ Ama¡ hm{Z {ZYma©H$ - bmBgg| rH$aU, ì`mdgm{`H$ Anjo mE ±Ama¡ AmMaU g{§hVm) (ge§ mYo Z) {d{Z`_, 2013
68 AmBA© maS>rE (~r_m Xbmbm |H$o ê$n _ |~H¢ $m |H$m bmBgg| rH$aU) {d{Z`_, 2013
gaH$mar amOnÌ _| A{Ygy{MV
#
212dm{f©H$ [anmoQ©>
2017-18
Omar... AZw~§Y 9
31/03/2018 VH$ AmB©AmaS>rE A{Y{Z`_, 1999 Ho$ AYrZ ~Zm`o J`o {d{Z`_
#
H«$_ g§. A{YgyMZm H$m Zm_
69 AmBA© maS>rE (d~o gJ§ m«hH$) {d{Z`_, 2013
70 AmBA© maS>rE (~R¡ >H$|) (nhbm ge§ mYo Z) {d{Z`_, 2013
71 AmBA© maS>rE AmBE© gr (~R¡ >H$|) (Xgy am ge§ mYo Z) {d{Z`_, 2013
72 AmBA© maS>rE (~r_m Xbmb) {d{Z`_, 2013
73 AmBA© maS>rE (Q>rnrE-ñdmñÏ` gdo mE)± (Xgy am ge§ mYo Z) {d{Z`_, 2013
74 AmBA© maS>rE (^maVr` ~r_m H$§n{Z`m |H$m nO§ rH$aU)(nmM± dm ±ge§ mYo Z) {d{Z`_, 2013
75 AmBA© maS>rE (~r_m EOQ| >m |H$m bmBgg| rH$aU) (ge§ mYo Z) {d{Z`_, 2013
76 AmBA© maS>rE (~r_m gdj} H$ Ama¡ hm{Z {ZYma©H$ - bmBgg| rH$aU, ì`mdgm{`H$ Anjo mE ±Ama¡ AmMaU g{§hVm) (Xgy am ge§ mYo Z) {d{Z`_, 2013
77 AmBA© maS>rE (A{YH$m[a`m |Ama¡ AÝ` H$_M© m[a`m |H$s gdo m H$s eV)] (Vrgam ge§ mYo Z) {d{Z`_, 2014
78 AmBA© maS>rE (^maVr` ~r_m H$§n{Z`m |H$m nO§ rH$aU) (N>R>dm ±ge§ mYo Z) {d{Z`_, 2014
79 AmBA© maS>rE (ñdmñÏ` ~r_m) (nhbm ge§ mYo Z) {d{Z`_, 2014
80 AmBA© maS>rEAmB ©(~r_m {dnUZ \$_ ©H$m nO§ rH$aU) {d{Z`_, 2014
81 AmBA© maS>rEAmB ©(gúy _ ~r_m) {d{Z`_, 2015
82 AmBA© maS>rEAmB ©(~r_m H$§n{Z`m |H$o B{©¹$Q>r e`o am |H$m AV§ aU) {d{Z`_, 2015
83 AmBA© maS>rEAmB ©(Zm_mH§ $Z H$o nO§ rH$aU, {ZagZ AWdm n[adVZ© H$o {bE eëw H$) {d{Z`_, 2015
84 AmBA© maS>rEAmB ©(g_ZXw eo Z AWdm AV§ aU H$s gMy Zm àmá hmZo oH$s {b{IV àm{á-gMy Zm àXmZ H$aZ oH$o {bE eëw H$) {d{Z`_, 2015
85 AmBA© maS>rEAmB ©(_mQo >a AÝ` nj ~r_m ì`dgm` H$o g~§ Y§ _ |~r_mH$Vm ©H$m Xm{`Ëd) {d{Z`_, 2015
86 AmBA© maS>rEAmB ©(ì`dgm` H$o ñWmZ) {d{Z`_, 2015
87 AmBA© maS>rEAmB ©(~r_m A{^bIo m |H$m AZawjU) {d{Z`_, 2015
88 AmB©AmaS>rEAmB© (H$m°anmoaoQ> EO|Q>m| H$m n§OrH$aU) {d{Z`_, 2015
89 AmBA© maS>rEAmB ©(Jm«_rU Ama¡ gm_m{OH$ jÌo m |H$o à{V ~r_mH$VmA© m |H$o Xm{`Ëd) {d{Z`_, 2015
90 AmBA© maS>rEAmB ©(dm{f{©H$`m |Ama¡ AÝ` bm^m |H$o {bE Ý`Zy V_ gr_mE)± {d{Z`_, 2015
91 AmBA© maS>rEAmB ©(Aä`nU© Ama¡ àXÎm _ëy `m |H$m A{YJh« U) {d{Z`_, 2015
92 AmBA© maS>rEAmB ©(gm_mÝ` gdo m H$oÝÐm |Ûmam ~r_m gdo mE)± {d{Z`_, 2015
93 AmBA© maS>rEAmB ©(bm`° S>²g H$m oN>mS‹o >H$a AÝ` {dXeo r nZw ~u_mH$VmA© m |H$o emIm H$m`mb© `m |H$m nO§ rH$aU Ama¡ n[aMmbZ) {d{Z`_, 2015.
94 AmBA© maS>rEAmB ©(~r_m gdj} H$ Ama¡ hm{Z {ZYma©H$) {d{Z`_, 2015
95 AmBA© maS>rEAmB ©(~r_m {dkmnZ Ama¡ àH$Q>rH$aU) (ge§ mYo Z) {d{Z`_, 2015
96 AmBA© maS>rEAmB ©(AÝ` àH$ma H$s nO±y r) {d{Z`_, 2015
97 AmBA© maS>rEAmB ©(OrdZ ~r_m ì`dgm` H$m oN>mS‹o >H$a AÝ` àH$ma H$m ì`dgm` H$aZdo mbr ^maVr` ~r_m H$§n{Z`m |Ûmam nO±y r {ZJ_© ) {d{Z`_, 2015
98 AmBA© maS>rEAmB ©(OrdZ ~r_m ì`dgm` H$aZdo mbr ^maVr` ~r_m H$§n{Z`m |Ûmam nO±y r {ZJ_© ) {d{Z`_, 2015
99 AmBA© maS>rEAmB ©(bm`° S>²g H$m oN>mS‹o >H$a AÝ` {dXeo r nZw ~u_mH$VmA© m |H$o emIm H$m`mb© `m |H$m nO§ rH$aU Ama¡ n[aMmbZ) (nhbm ge§ mYo Z) {d{Z`_, 2016
100 AmBA© maS>rEAmB ©({dda{U`m |H$m {ZarjU Ama¡ à{V`m |H$s Amn{yV ©H$o {bE eëw H$) {d{Z`_, 2015
101 AmBA© maS>rEAmB ©(^maVr` ~r_m H$§n{Z`m |H$m nO§ rH$aU) (gmVdm ±ge§ mYo Z) {d{Z`_, 2016
102 AmBA© maS>rEAmB ©(bm`° S>²g B{§S>`m) {d{Z`_, 2016
gaH$mar amOnÌ _| A{Ygy{MV
#
213dm{f©H$ [anmoQ©>
2017-18
Omar... AZw~§Y 9
31/03/2018 VH$ AmB©AmaS>rE A{Y{Z`_, 1999 Ho$ AYrZ ~Zm`o J`o {d{Z`_
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H«$_ g§. A{YgyMZm H$m Zm_
103 AmBA© maS>rEAmB ©(Q>rnrE- ñdmñÏ` gdo mE)± {d{Z`_, 2016
104 AmBA© maS>rEAmB ©(gmYmaU ~r_m ì`dgm` H$s AmpñV`m,± X`o VmE ±Ama¡ emYo j_Vm _m{OZ© ) {d{Z`_, 2016
105 AmBA© maS>rEAmB ©(~r_mH§ $H$ H$s AhV© m) ({ZagZ) {d{Z`_, 2016
106 AmBA© maS>rEAmB ©(OrdZ ~r_m ì`dgm` H$s AmpñV`m,± X`o VmE ±Ama¡ emYo j_Vm _m{OZ© ) {d{Z`_, 2016
107 AmBA© maS>rEAmB ©(OrdZ ~r_m ì`dgm` H$o {bE ~r_m{§H$H$ [anmQo >© Ama¡ gmame§ ) {d{Z`_, 2016
108 AmBA© maS>rEAmB ©(~r_m EOQ| >m |H$s {Z`{wº$) {d{Z`_, 2016
109 AmBA© maS>rEAmB ©(gmYmaU AWdm ñdmñÏ` ~r_m ì`dgm` H$aZdo mb o~r_mH$VmA© m |H$o à~Y§ Z ì``) {d{Z`_, 2016
110 AmBA© maS>rEAmB ©(~r_mH$VmA© m |H$o nUy H© $m{bH$ H$_M© m[a`m |H$m oF$U AWdm AñWm`r A{J_« ) {d{Z`_, 2016
111 AmBA© maS>rEAmB ©(OrdZ ~r_m ì`dgm` H$aZdo mb o~r_mH$VmA© m |H$o à~Y§ Z ì``) {d{Z`_, 2016
112 AmBA© maS>rEAmB ©(gmYmaU ~r_m - nZw ~u_m) {d{Z`_, 2016
113 AmBA© maS>rEAmB ©(B-© ~r_m nm{°b{g`m |H$m {ZJ_© ) {d{Z`_, 2016
114 AmBA© maS>rEAmB ©(ñdmñÏ` ~r_m) {d{Z`_, 2016
115 AmBA© maS>rEAmB ©(^maVr` ~r_m H$§n{Z`m |H$m nO§ rH$aU) (AmR>dm ±ge§ mYo Z) {d{Z`_, 2016
116 AmBA© maS>rEAmB ©ñQ>m\$ (A{YH$mar Ama¡ AÝ` H$_M© mar) {d{Z`_, 2016
117 AmBA© maS>rEAmB ©({Zdeo ) {d{Z`_, 2016
118 AmBA© maS>rEAmB ©(B-© ~r_m nm{°b{g`m |H$m {ZJ_© ) (nhbm ge§ mYo Z) {d{Z`_, 2016
119 AmBA© maS>rEAmB ©(bm`° S>²g H$m oN>mS‹o >H$a AÝ` {dXeo r nZw ~u_mH$VmA© m |H$o emIm H$m`mb© `m |H$m nO§ rH$aU Ama¡ n[aMmbZ) (Xgy am ge§ mYo Z) {d{Z`_, 2016
120 AmBA© maS>rEAmB ©(~r_m EOQ| >m |Ama¡ ~r_m _Ü`d{V`© m |H$m oH$_reZ AWdm nm[al{_H$ AWdm à{V\$b H$m ^Jw VmZ) {d{Z`_, 2016
121 AmBA© maS>rEAmB ©(~r_m {dnUZ \$_ ©H$m nO§ rH$aU) (nhbm ge§ mYo Z) {d{Z`_, 2016
122 AmBA© maS>rEAmB ©(~r_m EOQ| >m |Ama¡ ~r_m _Ü`d{V`© m |H$m oH$_reZ AWdm nm[al{_H$ AWdm à{V\$b H$m ^Jw VmZ) (nhbm ge§ mYo Z) {d{Z`_, 2017
123 AmBA© maS>rEAmB ©(~r_m d~o gJ§ m«hH$) {d{Z`_, 2017
124 AmBA© maS>rEAmB ©(^maVr` ~r_mH$VmA© m |Ûmam H$m`H© $bmnm |H$m ~møòmVo rH$aU) {d{Z`_, 2017
125 AmBA© maS>rEAmB ©({Z`ºw $ ~r_mH§ $H$) {d{Z`_, 2017
126 AmBA© maμS>rEAmB ©(~r_m gdj} H$ Ama¡ hm{Z {ZYma©H$) (nhbm ge§ mYo Z) {d{Z`_, 2017
127 AmBA© maS>rEAmB ©(nm{°bgrYmaH$m |H$o {hVm |H$m ga§jU) {d{Z`_, 2017
128 AmBA© maS>rEAmB ©(~r_m EOQ| >m |Ama¡ ~r_m _Ü`d{V`© m |H$m oH$_reZ AWdm nm[al{_H$ AWdm à{V\$b H$m ^Jw mVmZ) (Xgy am ge§ mYo Z) {d{Z`_, 2017
129 AmBA© maS>rEAmB ©(~r_m Xbmb) {d{Z`_, 2018
130 AmBA© maS>rEAmB ©(OrdZ ~r_mH$VmA© m |H$o {bE _mZH$ àñVmd \$m_)© ({ZagZ) {d{Z`_, 2018
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INSURANCE REGULATORY AND
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LETTER OF TRANSMITTAL
Ref. No. 101/8/R&D/SD/AR-2017-18/ 0 1/Nov-18 2sth November, 2018
The Secretary,
Department of Financial Services, Ministry of Finance
3rd Floor, Jeevan Deep Building, Parliament Street
New Delhi - 110 001
Sir,
In accordance with the provisions of Section 20 of the Insurance Regulatory and
Development Authority Act, 1999, we are sending herewith a copy of the Annual
Report of the Authority for the financial year ended 31st March, 2018 in the format
prescribed in the !RDA (Annual Report - Furnishing of returns, statements and
other particulars) Rules, 2000.
Yours faithfully,
~
~ '
(Dr. Subhash C. Khuntia)
Chairman
I
"fRi=f. 115/1,_~ ~. •111ifi{l¥11sl, ~-50~ 032, 'ilffif Survey No. 115/1, Financial District, Nanakramguda, Hyderabad-SQQ 032, India
6) . +91-40-2020 4000 ~ : www.1rda1.gov.in 6) : +91-40-2020 4000 Website : www.irdai.gov.in--ANNUAL REPORT 2017-18
CONTENTS
MISSION STATEMENT
Members of the Authority
Senior Officers of IRDAI
PART – I
POLICIES AND PROGRAMMES
Page No.
I.1 General Economic Environment ......... 1
I.2 World Insurance Scenario ......... 3
I.3 Appraisal of Indian Insurance Market ......... 7
I.4 Review ......... 37
I.4.1 Protection of Interests of Policyholders ......... 37
I.4.2 Maintenance of Solvency Margins of Insurers ......... 42
I.4.3 Monitoring of Reinsurance ......... 43
I.4.4 Monitoring of Investments by the Insurers ......... 49
I.4.5 Health Insurance Business ......... 52
I.4.6 Business in the Rural and Social Sectors ......... 73
I.4.7 Financial Reporting and Actuarial Standards ......... 75
I.4.8 Anti-Money Laundering/Counter the Financing of
Terrorism (AML/CFT) Programme ......... 75
I.4.9 Crop Insurance ......... 78
I.4.10 Micro Insurance ......... 82
I.4.11 Directions, Orders and Regulations issued by the Authority ......... 86
I.4.12 Right to Information Act, 2005 ......... 86
PART – II
REVIEW OF WORKING AND OPERATIONS
II.1 Regulation of Insurance and Reinsurance Companies ......... 87
II.2 Individual Agents associated with the Insurance Business, ......... 94
Channel-wise New Business Performance
II.3 Intermediaries Associated with the Insurance Business ......... 98
II.4 Professional Institutes connected with Insurance Education ......... 117
II.5 Litigations, Appeals and Court Pronouncements ......... 117
II.6 International Cooperation in Insurance ......... 117
II.7 Grievances ......... 123
II.8 Insurance Associations and Insurance Councils ......... 127
II.9 Insurance Ombudsman ......... 130
vANNUAL REPORT 2017-18
PART – III
STATUTORY AND DEVELOPMENTAL FUNCTIONS OF THE AUTHORITY
Page No.
III.1 Issue to the applicant a certificate of registration, renew, modify, ......... 135
withdraw, suspend or cancel such registration
III.2 Protection of the interests of policyholders in matters concerning ......... 136
assigning of policy, nomination by policyholders, insurable interest,
settlement of insurance claim, surrender value of policy and other terms
and conditions of contracts of insurance
III.3 Specifying requisite qualifications, code of conduct and practical training ......... 138
for intermediaries or Insurance Intermediaries and agents
III.4 Specifying the code of conduct for surveyors and loss assessors ......... 138
III.5 Promoting efficiency in the conduct of insurance business ......... 140
III.6 Promoting and regulating professional organisations connected with the ......... 142
insurance and reinsurance business
III.7 Levying fees and other charges for carrying out the purposes of the Act ......... 144
III.8 Calling information from, undertaking inspection of, conducting ......... 144
enquiries and investigations including audit of the insurers,
intermediaries, insurance intermediaries and other organisations
connected with the insurance business
III.9 Specifying the form and manner in which books of accounts shall be ......... 145
maintained and statements of accounts shall be rendered by Insurers
and other insurance intermediaries
III.10 Regulating investment of funds by insurance companies ......... 145
III.11 Regulating maintenance of margin of solvency ......... 145
III.12 Adjudication of disputes between Insurers and Intermediaries or ......... 146
Insurance Intermediaries
III.13 Specifying the percentage of premium income of the insurer to finance ......... 146
schemes for promoting and regulating professional organisations
referred to in III.6
III.14 Specifying the percentage of life insurance business and general ......... 146
insurance business to be undertaken by the Insurers in the rural and
social sectors
viANNUAL REPORT 2017-18
PART – IV
ORGANISATIONAL MATTERS
Page No.
IV.1 Organisation ......... 149
IV.2 Meetings of the Authority ......... 149
IV.3 Human Resources ......... 149
IV.4 Internal Committee for Woman Employees ......... 150
IV.5 Promotion of Official Language ......... 151
IV.6 Research and Development ......... 152
IV.7 Status of Information Technology ......... 153
IV.8 Accounts ......... 155
IV.9 IRDAI Journal ......... 155
IV.10 IRDAI Office Building ......... 156
IV.11 Acknowledgements ......... 156
BOX ITEMS
1 Participation of Women in Life Insurance ......... 14
2 Implementation of Ind AS in Insurance Sector in India ......... 31
3 The Standing Committee on Accounting Issues (SCAI) ......... 95
4 IRDAI’s Steps in Promoting Digitization in Insurance ......... 105
5 InsureTech ......... 143
TEXT TABLES
I.1 Provisional Estimates of National Income and Expenditures On GDP ......... 1
I.2 Provisional Estimates of GVA at Basic Price by Economic Activity ......... 2
I.3 Financial Savings of the Household sector ......... 3
I.4 Gross Savings ......... 3
I.5 Total Real Premium Growth Rate ......... 4
I.6 Region-Wise Life and Non-Life Insurance Premium ......... 5
I.7 Insurance Penetration and Density in India ......... 6
I.8 Registered Insurers Including Foreign Reinsurers’ Branches/Lloyd's India ......... 8
I.9 Premium Underwritten: Life Insurers ......... 9
I.10 Market Share: Life Insurers ......... 10
I.11 New Policies Issued: Life Insurers ......... 10
I.12 Paid-up Capital: Life Insurers ......... 11
I.13 Commission Expenses: Life Insurers ......... 12
I.14 Commission Expense Ratio: Life Insurers ......... 12
I.15 Operating Expenses: Life Insurers ......... 12
I.16 Operating Expense Ratio: Life Insurers ......... 12
I.17 Benefit Paid: Life Insurers ......... 13
I.18 Dividends Paid by Life Insurers ......... 16
viiANNUAL REPORT 2017-18
Page No.
I.19 Individual Death Claims of Life Insurers ......... 16
I.20 Group Death Claims of Life Insurers ......... 17
I.21 Number of Offices of Life Insurers ......... 18
I.22 Distribution of Offices of Life Insurers–Number ......... 18
I.23 Distribution of Offices of Life Insurers – Tier Wise ......... 18
I.24 State-Wise Number of Districts Covered by Life Insurers ......... 19
I.25 Gross Direct Premium Income in India: General and Health Insurers ......... 21
I.26 Gross Direct Premium Income in India: General and Health Insurers Insurer-wise ......... 22
I.27 Premium (Within India) Underwritten by General and Health Insurers Segment-wise ......... 23
I.28 Ratio of Outside India Premium to Total Premium ......... 24
I.29 Gross Direct Premium from Business outside India ......... 24
I.30 Number of Policies Issued: General Insurers ......... 25
I.31 Paid Up Capital: General, Health Insurers and Reinsurers ......... 25
I.32 Underwriting Experience: General and Health Insurers ......... 26
I.33 Gross Commission Expenses: General and Health Insurers ......... 27
I.34 Operating Expenses: General and Health Insurers ......... 27
I.35 Net Incurred Claims: General and Health Insurers ......... 28
I.36 Incurred Claims Ratio: General and Health Insurers ......... 28
I.37 Investment Income of General and Health Insurers ......... 29
I.38 Profit After Tax of General and Health Insurers ......... 30
I.39 Dividends Paid: General, Health and Reinsurers ......... 30
I.40 Number of Offices of General Insurers ......... 32
I.41 State/UT-Wise Distribution of General Insurance Offices ......... 32
I.42 Number of General Insurers’ Offices – Tier-Wise ......... 33
I.43 State/UT-Wise Coverage of Districts by General Insurer ......... 33
I.44 Motor GDP Data ......... 35
I.45 Activities Undertaken and Amount Spent - Insurance Literacy and ......... 41
Consumer Awareness Initiatives of IRDAI
I.46 Net Retentions (Indian Reinsurers) ......... 45
I.47 Members share in Indian Market Terrorism Risk Insurance Pool ......... 46
I.48 Members’ Share in Indian Nuclear Insurance Pool ......... 47
I.49 Gross Premium of Reinsurers ......... 47
I.50 Business Figures of Re-Insurance Entities ......... 48
I.51 Net Retention of General Insurer as a Percentage of Gross Direct ......... 48
Premium (Including Indian Reinsurers)
I.52 Quantum of Reinsurance Business Placed by General & Health Insurers ......... 49
Within & Outside India and as a Percent of Gross Direct Earned Premium in India
I.53 Net Retained Premium of General & Health Insurers as a Percent of ......... 49
Gross Direct Earned Premium
I.54 Total Investments of the Insurance Sector ......... 50
I.55 Total Investments of Life Insurers: Category-Wise ......... 50
I.56 Investments of Life Insurers: Fund-wise ......... 51
I.57 Growth of Investments: Fund-wise ......... 51
I.58 Total Investments of General, Health and Re-Insurers: ......... 52
Category-Wise
I.59 Trend in Health Insurance Premium ......... 53
(Excluding PA& Travel Insurance Business)
viiiANNUAL REPORT 2017-18
Page No.
I.60 Classification of Health Insurance Premium (Excluding PA & Travel Insurance Business)......... 53
I.61 Number of Persons covered under Health Insurance ......... 54
(Excluding PA & Travel Insurance Business)
I.62 Class of Business- Net Incurred Claims Ratio Under Health Insurance ......... 55
(Excluding PA & Travel Insurance Business)
I.63 Sector-wise Net Incurred Claims Ratio Under Health Insurance ......... 55
(Excluding PA & Travel Insurance Business)
I.64 Number of Persons covered under Personal Accident ......... 56
Insurance Business - Sector-wise
I.65 Number of Persons Covered and Gross Direct Premium Under Special
Government Sponsored Schemes ......... 56
I.66 Sector-wise Personal Accident Insurance Premium ......... 56
I.67 Sector-wise Overseas Travel Insurance Premium ......... 57
I.68 Sector-wise Domestic Travel Insurance Gross Premium ......... 57
I.69 Health Insurance Business Carried out in Foreign Countries ......... 58
I.70 Share of Top 5 States in Health Insurance Premium ......... 58
I.71 Share of Various Channels of Distribution – Number of Policies
Issued and Amount of HI Premium (Excl. Pa & Travel Insurance Business) ......... 59
I.72 Claims Handled through TPAs ......... 60
I.73 Claims Handled directly by the Insurers ......... 60
I.74 Claims Handled through both TPAs and In-House ......... 61
I.75 Aging of Claims Settled by Insurers Through TPA ......... 61
I.76 Aging of Claims Settled by Insurers Through In-House ......... 62
I.77 Aging of claims Settled by Insurers Through both through TPAs and In-house ......... 62
I.78 Number of Offices of Stand-Alone Health Insurers ......... 63
I.79 Tier-Wise Distribution of Offices of Stand Alone Health Insurers ......... 64
I.80 State-Wise Number of Offices of SAHI Insurers Arranged in Descending ......... 65
Order of Number of Offices
I.81 State-Wise Number of Districts with/without Offices of SAHI Insurers ......... 65
I.82 List of TPAs ......... 68
I.83 List of TPAs Registrations Renewed ......... 69
I.84 Information on Network Hospitals Enrolled by TPAs ......... 70
I.85 Health Business of Life Insurers from New Business
(First Year Premium from Regular & Single Premium Policies) ......... 71
I.86 Health Business of Life Insurers from Renewal Business
(Renewal Premium from Regular Premium Policies) ......... 71
I.87 New Business in Respect of Health Riders Attached to the Life Insurance Products ......... 71
I.88 Renewal Business in Respect of Health Riders Attached
to the Life Insurance Products ......... 71
I.89 Details of Claims Handled by Life Insurers with Respect to
Health Insurance Products ......... 72
I.90 Details of Claims Handled by Life Insurers with Respect to
Health Insurance Riders ......... 72
I.91 Compliance of General Insurers (Except Standalone and Specialized Insurers)
With Respect to Rural and Social Obligations ......... 74
I.92 Compliance of Standalone Health Insurers
with Respect to Rural Sector Obligations ......... 74
ixANNUAL REPORT 2017-18
Page No.
I.93 Compliance of Standalone Health Insurers
with Respect to Social Sector Obligations ......... 75
I.94 Rate of Insurance Premium Under PMFBY and RWBCIS ......... 80
I.95 Crop Insurance During Financial Year 2017-18 ......... 81
I.96 New Business Under Micro Insurance Portfolio ......... 83
I.97 Details of Micro Insurance Agents of Life Insurers ......... 83
I.98 Details of Micro Insurance Agents of Life Insurers ......... 83
I.99 Individual Death Claims under Micro Insurance Portfolio ......... 84
I.100 Group Death Claims under Micro Insurance Portfolio ......... 84
I.101 Duration-Wise Death Claims settled Under Micro
Insurance –Individual Category ......... 84
I.102 Duration-Wise Death Claims settled Under Micro
Insurance – Group Category ......... 85
I.103 List of Central Public Information Officers ......... 86
II.1 Details of Individual Agents of Life Insurers ......... 95
II.2 Details of Individual Agents of Life Insurers – Sector-Wise ......... 95
II.3 Details of Corporate Agents ......... 96
II.4 Individual New Business Performance of Life Insurers for – Channel wise ......... 96
II.5 Group New Business Performance of Life Insurers for – Channel-wise ......... 98
II.6 Business Performance of Insurance Marketing Firms ......... 99
II.7 Comparative Business Performance of Insurance Marketing Firms ......... 99
II.8 State-wise Presence of Insurance Marketing Firms ......... 100
II.9 Licenses Issued to Surveyors and Loss Assessors ......... 102
II.10 Grievances relating to Surveyors and Loss Assessors ......... 102
II.11 Registered offices of Insurance Brokers State-wise ......... 103
II.12 Web Aggregators Approved by the Authority ......... 111
II.13 Details of Legal Cases Filed ......... 118
II.14 Details of Legal Cases Disposed/Dismissed ......... 118
II.15 Status of Grievances (as per IGMS): Life Insurers ......... 123
II.16 Status of Grievances: General Insurers during ......... 124
II.17 Movement of Complaints - Life Insurers ......... 125
II.18 Movement of Complaints - General Insurers ......... 125
II.19 Movement of Complaints - Industry ......... 125
II.20 Insurers with NIL Pending Complaints ......... 126
II.21 Receipt and Disposal of grievances registered in DARPG Portal and
referred to IRDAI ......... 126
II.22 Grievances referred to IRDAI- Pending ......... 127
II.23 Disposal of Complaints by Insurance Ombudsmen ......... 131
II.24 List of Insurance Ombudsmen Region / Jurisdiction-Wise ......... 132
III.1 Foreign Reinsurers’ Branches/Syndicate, Service Companies of ......... 135
LLOYDS' India Registered
III.2 Insurance Repositories Approved by the Authority ......... 140
xANNUAL REPORT 2017-18
Page No.
CHARTS
I.1 Share of Sectors in GVA 2017-18 (PE) at Current Prices ......... 2
I.2 Insurance Penetration in Select Countries ......... 5
I.3 Insurance Density in Select Countries ......... 6
I.4 Insurance Penetration in India ......... 7
I.5 Insurance Density in India ......... 7
I.6 New Business Premium of Life Insurers ......... 9
I.7 Total Premium of Life Insurers ......... 9
I.8 Total Premium of Life Insurers ......... 9
I.9 Duration-wise Break-up of Claims Pending Individual Policies ......... 17
I.10 Duration-wise Break-up of Claims Pending Group Policies ......... 17
I.11 Number of Life Insurance Offices ......... 20
I.12 Geographical Distribution of Life Insurers Offices - Private Sector ......... 20
I.13 Geographical Distribution of Offices - LICI ......... 20
I.14 Geographical Distribution of Life Insurers Offices - Industry ......... 20
I.15 Gross Direct Premium income in India --General Insurers ......... 22
I.16 Gross Direct Premium of General and Health Insurers ......... 22
I.17 Premium (within India) underwritten by General and Health Insurers segment-wise ......... 23
I.18 Number of General Insurers Offices – Tier-wise ......... 34
I.19 Trend in Health Insurance Premium (excl. PA & travel insurance business) ......... 53
I.20 Share of Various Classes of Health Insurance Business in Total Premium ......... 54
I.21 Number of Lives Covered - Share of Different Classes of ......... 54
Business in Total Lives Covered
I.22 Net Incurred Claims Ratio of Health Insurance Business ......... 55
(excl. PA & travel insurance business)
I.23 Share of States in Total Health Insurance Premium ......... 58
I.24 Contribution of Various Channels in Health Insurance Premium ......... 59
(Excl. PA & travel insurance business)
I.25 Number of Offices of Stand-Alone Health Insurers ......... 63
I.26 Tier-wise Distribution of Offices of Stand-Alone Health Insurers ......... 64
I.27 Geo-Classification Wise Distribution of Stand-Alone Health Insurers ......... 64
I.28 State-wise Distribution of Offices of Stand-Alone Health Insurers ......... 67
(Numbers Indicates Number of Offices at Each State)
II.1 Individual New Business Performance of Private Life Insurers – Channel-wise ......... 97
II.2 Individual New Business Performance of LICI Channel-wise ......... 97
II.3 Individual New Business Performance of Life Industry Channel-wise ......... 97
II.4 Group New Business Performance of Private Life Insurers Channel-wise ......... 97
II.5 Group New Business Performance of LICI Channel-wise ......... 97
II.6 Group New Business Performance of Life Industry Channel-wise ......... 97
II.7 Policies Issued by The Insurers Through IMF ......... 100
II.8 New Business Premium Collected Through IMF ......... 100
II.9 Map of District-Wise Presence of IMFs ......... 101
II.10 Insurance Brokers Map ......... 104
II.11 Web Aggregators Lead Details Visitors/Lead Transfer/Lead Converted ......... 111
II.12 Web Aggregators - Number of Policies ......... 111
II.13 Classification of Life Insurance Complaints ......... 124
xiANNUAL REPORT 2017-18
Page No.
II.14 General Insurance Complaints (Type-wise) ......... 124
II.15 Policy Type-Wise General Insurance Complaints ......... 124
II.16 Movement of complaints – Industry ......... 125
STATEMENTS
1. International Comparison of Insurance Penetration ......... 159
2. International Comparison of Insurance Density ......... 160
3. New Business Premium ......... 161
4. Total Life Insurance Premium ......... 162
4A. Segment-Wise Total Premium of Life Insurers ......... 163
5. Linked and Non-Linked Premium of Life Insurers ......... 165
6. Individual Death Claims ......... 166
7. Group Death Claims ......... 168
8. Assets under Management of Life Insurers ......... 170
9. Equity Share Capital of Life Insurers ......... 173
10. Quarterly Solvency Ratio of Life Insurers in India ......... 174
11. Gross Direct Premium of General and Health Insurers (Within & Outside India) ......... 175
12. Segment-wise Gross Direct Premium Income of General and Health Insurers
(Within India) ......... 176
13. Health Insurance (Excluding Travel-Domestic/Overseas and Personal Accident) ......... 177
14. Incurred Claims Ratio – Public Sector General Insurers ......... 178
15. Incurred Claims Ratio – Private Sector General and Health Insurers ......... 179
16. Analysis of Claims - General Insurers ......... 181
17. Analysis of Claims Paid Segment & Duration-Wise - General Insurers ......... 182
18. Assets under Management of General Insurers ......... 183
19. Equity Share Capital of General, Healthand Re-Insurers ......... 185
20. Assigned Capital of Branches of Foreign Re-Insurers ......... 186
21. Solvency Ratio of General, Healthand Re-Insurers ......... 187
22. Status of Grievances – Life Insurers ......... 188
23. Status of Grievances – General and Health Insurers ......... 189
ANNEXURES
1. Insurance Companies Operating in India ......... 193
2. Fee Structure for Insurers and Various Intermediaries ......... 196
3. (i) Indian Assured Lives Mortality (2006-08) Ultimate ......... 197
(ii) published MortalityTable for Annuitants: LIC (A) (1996-98) Ultimate Rates ......... 199
4. Life Insurance Products and Riders approved ......... 201
5. List of Micro Insurance Products of Life Insurers ......... 202
6. General Insurance Products Approved ......... 203
7. Health Insurance Products Approved ......... 204
8. Circulars/Orders/Guidelines/Instructions/Miscellaneous Issued ......... 205
9. Regulations framed under the IRDA Act, 1999 ......... 211
10. (i)Penalties Levied by the Authority ......... 215
10. (ii) Penalties Levied by the Authority (Brokers) ......... 216
xiiANNUAL REPORT 2017-18
MISSION STATEMENT
✓ To protect the interest of and secure fair treatment to policyholders;
✓ To bring about speedy and orderly growth of the insurance industry (including
annuity and superannuation payments), for the benefit of the common man
and to provide long term funds for accelerating growth of the economy;
✓ To set, promote, monitor and enforce high standards of integrity, financial
soundness, fair dealing and competence of those it regulates;
✓ To ensure speedy settlement of genuine claims, to prevent insurance frauds
and other malpractices and put in place effective grievance redressal
machinery;
✓ To promote fairness, transparency and orderly conduct in financial markets
dealing with insurance and build a reliable management information system
to enforce high standards of financial soundness amongst market players;
✓ To take action where such standards are inadequate or ineffectively enforced;
✓ To bring about optimum amount of self-regulation in day-to-day working of
the industry consistent with the requirements of prudential regulation.
xiii--ANNUAL REPORT 2017-18
INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY OF INDIA
Members of the Authority
T S Vijayan Dr. Subhash Chandra Khuntia
Chairman Chairman
(Upto 20/02/2018) (from 07/05/2018)
WHOLE-TIME MEMBERS
V R Iyer Pournima Gupte Nilesh Sathe
(Upto 31/05/2017)
PJ Joseph Sujay Banarji Kutumbe Pravin Hari
(From 01/03/2018) (From 12/03/2018)
xvANNUAL REPORT 2017-18
PART-TIME MEMBERS
S B Mathur Sushama Nath
(Upto 23/09/2017)
N. Srinivasa Rao RAVI MITAL
(Upto 16/07/2017) (From 17/07/2017)
CA. Nilesh S Vikamsey CA. Naveen N D Gupta
(Up to 11/02/2018) (From 12/02/2018)
xviANNUAL REPORT 2017-18
SENIOR OFFICERS OF IRDAI
EXECUTIVE DIRECTOR M Pulla Rao
Suresh Mathur
Dr. Maruthi Prasad Tangirala
CHIEF GENERAL MANAGER Randip Singh Jagpal
AR Nithianantham
Mamta Suri
J MeenaKumari
Yegna Priya Bharath
H Ananthakrishnan
V Jayanth Kumar
GENERAL MANAGERS S N Jayasimhan
Ramana Rao Addanki
Sanjeev Kumar Jain
T S Naik
S P Chakraborty
P K Maiti
Raj Kumar Sharma
J Anita
K G P L Rama Devi
D V S Ramesh
Sudipta Bhattacharya
G R Surya Kumar
CHIEF VIGILANCE OFFICER A Venkateswara Rao
& GENERAL MANAGER
xvii--ANNUAL REPORT 2017-18
PART – I
POLICIES AND PROGRAMMES
I.1 GENERAL ECONOMIC ENVIRONMENT administration, defence and other services (14.4
percent). The growth in the ‘agriculture, forestry &
I.1.1 As per the provisional estimates of Annual
fishing’, ‘manufacturing’, ‘electricity, gas, water supply
National Income, 2017-18 released by Central
& other utility services’ and ‘construction’ are 4.5,
Statistics Office (CSO), Ministry of Statistics and
8.6, 6.7 and 8.8 percent respectively.
Programme Implementation, Government of India
the GDP at current prices for the year is estimated I.1.3 The Gross National Income (GNI) at current
at `167.73 lakh crore showing a growth rate of 10.0 prices is estimated at `165.87 lakh crore during
percent over the First Revised estimates of GDP 2017-18, as compared to `150.77 lakh crore during
for the year 2016-17 of `152.54 lakh crore. 2016-17, showing a rise of 10 percent. The per
capita Net National Income at current prices during
I.1.2 The sectors which registered growth rate of
2017-18 is estimated to have attained a level of
over 9.0 percent at current prices are ‘mining &
`112835 as compared to the estimates for the year
quarrying (12.5 percent), ‘trade, hotels, transport,
2016-17 of `103870 showing a rise of 8.6 percent.
communication and services related to
broadcasting’ (11.4 percent), ‘financial, real estate
(Source: CSO press note dated 31.05.2018)
and professional services’ (10.8 percent) and ‘public
TABLE I.1
PROVISIONAL ESTIMATES OF NATIONAL INCOME AND EXPENDITURES ON GDP
(At current prices)
Item 2015-16 2016-17 2017-18
(PE)
Domestic Product (` crore)
1. Gross Value Added (GVA) at basic prices 12566646 13841591 (10.1) 15182371 (9.7)
2. Gross Domestic Product (GDP) 13764037 15253714 (10.8) 16773145(10.0)
3. Net Domestic Product (NDP) 12313813 13668987 (11.0) 15034912(10.0)
4. Gross National Income (GNI) 13604258 15077384 (10.8) 16587278(10.0)
5. Net National Income (NNI) 12154034 13492657 (11.0) 14849045(10.1)
6. Gross National Disposable Income (GNDI) 14017341 15456822 (10.3) 16983715 (9.9)
7. Net National disposable income (NNDI) 12567117 13872095 (10.4) 15245482 (9.9)
Per Capita Income, Product and Final Consumption (`)
8. Per Capita GDP 107280 117427 (9.5) 127456 (8.5)
9. Per Capita GNI 106035 116069 (9.5) 126043 (8.6)
10.Per Capita NNI 94731 103870 (9.6) 112835 (8.6)
11.Per Capita GNDI 109254 118990 (8.9) 129056 (8.5)
12.Per Capita PFCE 63065 69322 (9.9) 75337 (8.7)
PE: Provisional Estimates; PFCE: Private Final Consumption Expenditure
Note; Figures in brackets are percentage changes over the previous year.
Source: CSO, Press Note dated 31st May, 2018.
1ANNUAL REPORT 2017-18
TABLE I.2
PROVISIONAL ESTIMATES OF GVA AT BASIC PRICE BY ECONOMIC ACTIVITY
(At current prices) (` crore)
Industry 2015-16 2016-17 2017-18 Percentage change
(PE) over previous year
2016-17 2017-18
Agriculture, forestry & fishing 2225368 2484005 2594729 11.6 4.5
Mining & quarrying 301230 332947 374689 10.5 12.5
Manufacturing 2116119 2329220 2530311 10.1 8.6
Electricity, gas, water supply and other utility services 336978 363482 387694 7.9 6.7
Construction 992298 1028463 1118946 3.6 8.8
Trade, hotels, transport, communication and services
related to broadcasting 2303249 2521813 2809748 9.5 11.4
Financial, real estate & professional services 2631284 2857322 3164547 8.6 10.8
Public Administration, defence and other services 1660120 1924339 2201707 15.9 14.4
GVA at Basic Price 12566646 13841591 15182371 10.1 9.7
PE: Provisional Estimates
Source: CSO, Press Note dated 31st May, 2018
CHART I.1 SHARE OF SECTORS IN GVA 2017-18 (PE) AT CURRENT PRICES
■ 1. Agriculture, forest & fishing
■ 2. Mining & quarring
■ 3. Manufacturing
■ 4. Electricity, gas, water supply and other utility services
■ 5. Construction
■ 6. Trade hotels, transport, communication and services related to broadcasting
■ 7. Financial, real estate & professional services
■ 8. Public Administration, defence and other services
Financial Savings of the Household Sector time, general government’s dissaving declined to 0.7
percent in 2016-17 indicating sustained efforts to
I.1.4 Domestic saving declined to 29.6 percent of
bring fiscal consolidation.
gross national disposable income (GNDI) in 2016-
17 from 30.7 percent in 2015-16 (Table I.4). I.1.5 As per RBI’s preliminary estimates, net financial
Household financial saving – the most important assets of the household sector increased to 7.1
source of funds for investment in the economy percent of GNDI in 2017-18 on account of an
declined to 6.7 percent of GNDI in 2016-17, down increase in households’ assets in the form of
from 8.1 percent in 2015-16 (Table I.3). Saving of currency, despite an increase in households’
private nonfinancial corporations dropped marginally liabilities.
to 11.1 percent of GNDI in 2016-17. At the same Source: RBI Annual Report 2017-18
2ANNUAL REPORT 2017-18
TABLE I.3
FINANCIAL SAVINGS OF THE HOUSEHOLD SECTOR
(In percent of GNDI)
Item 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18#
A. Gross financial savings of which 10.4 10.5 10.4 9.9 10.8 9.1 11.1
1. Currency 1.2 1.1 0.9 1.0 1.4 -2.0 2.8
2. Deposits 6.0 6.0 5.8 4.8 4.6 6.3 2.9
3. Shares and debentures 0.2 0.2 0.2 0.2 0.3 0.2 0.9
4. Claims on government -0.2 -0.1 0.2 0.0 0.5 0.4 0.0
5. Insurance funds 2.2 1.8 1.8 2.4 1.9 2.3 1.9
6. Provident and Pension funds 1.1 1.5 1.5 1.5 2.1 2.0 2.1
B. Financial liabilities 3.2 3.2 3.1 3.0 2.8 2.4 4.0
C. Net financial savings ( A-B ) 7.2 7.2 7.2 6.9 8.1 6.7 7.1
GNDI - Gross National Disposable Income
#: As per the preliminary estimates of the Reserve bank. The CSO will release the financial saving of the household sector on
January 31, 2019 based on the latest information, as part of the 'First Revised Estimates of National Income, Consumption
Expenditure, Saving and Capital Formation for 2017-18'.
Note: Figures may not add up to total due to rounding off.
Source: CSO as published in RBI Annual Report 2017-18 Table II.1
TABLE I.4
GROSS SAVINGS
(In percent of GNDI)
Item 2013-14 2014-15 2015-16 2016-17
Gross Savings 31.4 31.6 30.7 29.6
1.1 Non-financial Corporations 10.5 11.1 12.2 12.1
1.1.1 Public non-financial corporations 1.1 1.0 1.0 1.0
1.1.2 Private non-financial corporations 9.4 10.1 11.2 11.1
1.2 Financial Corporations 2.6 2.7 2.1 2.2
1.2.1 Public financial corporations 1.4 1.3 1.3 1.3
1.2.2 Private financial corporations 1.1 1.3 0.8 0.8
1.3 General Government -1.5 -1.4 -1.1 -0.7
1.4 Household sector 19.9 19.2 17.5 16.0
1.4.1 Net financial saving 7.2 6.9 8.1 6.7
Memo: Gross Financial Saving 10.4 9.9 10.8 9.1
1.4.2 Saving in physical assets 12.3 11.9 9.1 9.0
1.4.3 Saving in the form of valuables 0.3 0.4 0.3 0.3
GNDI - Gross National Disposable Income
Note: Net financial savings of the household sector is obtained as the difference between gross financial savings and financial
liabilities during the year.
Source: CSO as published in RBI Annual Report 2017-18, Appendix Table 3
I.2 WORLD INSURANCE SCENARIO I.2.2 The expansion of total direct premiums cooled
to 1.5% in real terms in 2017, (2016: 2.2%). Both
I.2.1 According to the ‘World Insurance in 2017’
the non-life and life sector slowed, but falling of life
report published by reinsurance major, Swiss Re,
premiums in advanced markets were the main cause
global economy improved considerably in 2017, with
of drag on overall global premium growth.
real gross domestic product (GDP) rising 3.3%.
3ANNUAL REPORT 2017-18
Global life premiums increased only marginally by Globally, the share of life insurance business in total
0.5% to USD 2657 billion in 2017 (2016: 1.4%). premium was 54.32 percent. However, the share of
life insurance business for India was very high at
The slowdown was primarily driven by advanced
74.73 percent while the share of non-life insurance
markets, which declined 2.7% in 2017 (2016: -1.9%)
business was at 25.27 percent.
as all the regions experienced negative growth
mostly due to low interest rates that continued to I.2.6 In life insurance business, India is ranked 10th
adversely affect the supply and demand for savings among the 88 countries, for which data is published
products. In emerging markets, life premium growth by Swiss Re. India’s share in global life insurance
remained strong at 14%, mainly driven by China. market was 2.76 percent during 2017. However,
In other emerging markets, the expansion was during 2017, the life insurance premium in India
slower at 5.8%. The main cause was the weak increased by 8.0 percent (inflation adjusted) when
performance of Latin America, while other emerging global life insurance premium increased by 0.5
Asia and CEE developed favorably. percent.
Global non-life premium increased to 2.8% to USD I.2.7 The Indian non-life insurance sector witnessed
2234 billion in 2017 down from 3.3% in 2016. The a growth of 16.7 percent (inflation adjusted) during
slowdown was mainly due to lower growth in 2017. During the same period, the growth in global
emerging markets, while growth in advanced non-life premium was 2.8 percent. However, the
markets was roughly steady. share of Indian non-life insurance premium in global
non-life insurance premium was at 1.11 percent and
I.2.3 Profitability continues to be under pressure in
India ranked 15th in global non-life insurance
both the life and non-life sectors. In the life segment,
markets.
low interest rates are affecting investment returns,
while competition and regulatory changes have TABLE I.5
increased the pressure on profitability as well. On TOTAL REAL PREMIUM GROWTH RATE 2017
the other hand, ROE of the non-life sector declined (In percent)
for the third consecutive year as the industry
Regions/Countries Life Non-Life Total
experienced underwriting losses due to heavy losses
Advanced markets -2.7 1.9 -0.6
from natural catastrophes as well a continuing price
Emerging markets 14.0 6.1 10.3
pressure.
Asia 5.6 5.8 5.7
I.2.4 Global life premium growth is expected to
India 8.0 16.7 10.1
improve over the next few years. Life business will
World 0.5 2.8 1.5
be challenging among advanced markets, but strong
Source: Swiss Re, Sigma No. 3/2018.
in emerging ones. The global non-life sector is
expected to improve, supported by advanced
Insurance Penetration and Density in India
markets due to solid economic environment,
especially in the US. In emerging markets, non-life
I.2.8 The measure of insurance penetration and
premium growth will remain robust, but slightly lower
density reflects the level of development of insurance
than in the recent past due to strong growth in
sector in a country. While insurance penetration is
emerging Asia and ongoing soft rates.
measured as the percentage of insurance premium
to GDP, insurance density is calculated as the ratio
Indian Insurance in the global scenario
of premium to population (per capita premium).
I.2.5 Globally, India’s share in global insurance
I.2.9 During the first decade of insurance sector
market was 2.0 percent during 2017. However,
liberalization, the sector has reported consistent
during 2017, the total insurance premium in India
increase in insurance penetration from 2.71 percent
increased by 10.1 percent (inflation adjusted)
in 2001 to 5.20 percent in 2009. Since then the level
whereas global total insurance premium increased
of penetration was declining and dropped to a level
by 1.5 percent (inflation adjusted).
4ANNUAL REPORT 2017-18
of 3.30 in 2014. However, it started increasing since USD 55.00 (USD 46.50 in 2016). The life insurance
2015 and showing an increasing trend onwards viz. penetration had gone up from 2.15 percent in 2001
in 2015 (3.44 percent), in 2016 (3.49 percent) and to 4.60 percent in 2009. Since then, it has exhibited
in 2017 (3.69). The level of insurance density a declining trend up to the year 2014. There was a
reached the maximum of USD 64.4 in the year 2010 slight increase in 2015 reaching 2.72 percent,
from the level of USD 11.5 in 2001. However, from remained same in 2016 and increased to 2.76 in
the year 2011 to 2016 it was hovering between 50 the year 2017.
to 60 but in the year 2017, it has grown up to USD
I.2.11 The penetration of non-life insurance sector
73 (USD 59.7 in 2016).
in the country has gone up from 0.56 in 2001 to
I.2.10 The insurance density of life insurance sector 0.93 in 2017(0.77 in 2016). Its density has gone up
had gone up from USD 9.1 in 2001 to reach the from USD 2.4 in 2001 to USD 18.0 in 2017(13.20 in
peak at USD 55.7 in 2010. Since then it has exhibited 2016).
a declining trend up to the year 2013. During the
(Source: Swiss Re,Sigma various issues)
year 2017, the level of life insurance density was
TABLE I.6 - REGION-WISE LIFE AND NON-LIFE INSURANCE PREMIUM 2017
(Premium in USD Billions)
Region/Country Life Non-Life Total
Advanced markets 2059.48 1760.16 3819.64
(53.92) (46.08) (100.00)
Emerging markets 597.79 474.26 1072.05
(55.76) (44.24) (100.00)
Asia 1043.69 547.00 1590.69
(65.61) (34.39) (100.00)
India 73.24 24.76 98.00
(74.73) (25.27) (100.00)
World 2657.27 2234.42 4891.69
(54.32) (45.68) (100.00)
Source: Swiss Re, Sigma 3/2018 Note: Figures in brackets indicate share of the segment in percent.
CHART I. 2: INSURANCE PENETRATION IN SELECT COUNTRIES - 2017
Pakistan
Sri Lanka
Russia
PR China
India#
Brazil
Malaysia#
Thailand
Australia
World
Germany
Singapore
United States
France
Switzerland
United Kingdom
Japan#
South Korea#
South Africa
Hong Kong
Taiwan
0 5 10 15 20 25
Source: Swiss Re, Sigma No. 3/2018. Data is in percent. • Non-Life • Life • Total
# Data relates to Financial Year
5ANNUAL REPORT 2017-18
CHART I.3: INSURANCE DENSITY IN SELECT COUNTRIES - 2017
Pakistan
Sri Lanka
-
India# .II' ..
Russia t"
.r. ..
PR China ....
Thailand
Brazil
Malaysia#
World ..........
South Africa
Germany
South Korea#
Australia
Singapore
Japan#
France
United States
Taiwan
United Kingdom
Hong Kong
Switzerland
0.0 1000.0 2000.0 3000.0 4000.0 5000.0 6000.0 7000.0 8000.0
Source: Swiss Re, Sigma No. 3/2018. Data is in USO
■ Total ■ Life ■ Non-Life
# data relates to financial year
TABLE I.7
INSURANCE PENETRATION AND DENSITY IN INDIA
Year Life Non-Life Industry
Density Penetration Density Penetration Density Penetration
(USD) (percentage) (USD) (percentage) (USD) (percentage)
2001 9.1 2.15 2.4 0.56 11.5 2.71
2002 11.7 2.59 3.0 0.67 14.7 3.26
2003 12.9 2.26 3.5 0.62 16.4 2.88
2004 15.7 2.53 4.0 0.64 19.7 3.17
2005 18.3 2.53 4.4 0.61 22.7 3.14
2006 33.2 4.10 5.2 0.60 38.4 4.80
2007 40.4 4.00 6.2 0.60 46.6 4.70
2008 41.2 4.00 6.2 0.60 47.4 4.60
2009 47.7 4.60 6.7 0.60 54.3 5.20
2010 55.7 4.40 8.7 0.71 64.4 5.10
2011 49.0 3.40 10.0 0.70 59.0 4.10
2012 42.7 3.17 10.5 0.78 53.2 3.96
2013 41.0 3.10 11.0 0.80 52.0 3.90
2014 44.0 2.60 11.0 0.70 55.0 3.30
2015 43.2 2.72 11.5 0.72 54.7 3.44
2016 46.5 2.72 13.2 0.77 59.7 3.49
2017 55.0 2.76 18.0 0.93 73.0 3.69
Note: 1. Insurance density is measured as ratio of premium to total population.
2. Insurance penetration is measured as ratio of premium to GDP.
Source: Swiss Re, Sigma, Various Issues.
67
sector. reinsurers’
branches
and
Lloyd’s
India
are
in
private
insurers
and
10
reinsurers
including
foreign
life
insurers,
21
general
insurers,
6 standalone
health
registered
during
the
F.Y.
2017-18:
reinsurance
namely
GIC
Re.
are
in
public
sector.
23
IFSC
Insurance
Office
(IIO)
have
also
been
of
India
(LIC),
four
in general
insurance
and
one
in
Two
Foreign
Reinsurer’s
Branches
(FRBs)
and
One
namely
ECGC
and
AIC,
one
life
insurer
namely
LIC
in
the
private
sector.
Two
specialized
insurers,
(Date
of
Registration:
18.12.2017,
Reg
no.159)
are
in
the
public
sector
and
the
remaining
sixty
are
d)
Edelweiss
General
Insurance
Company
Limited
I.3.2
Of
the
68
insurers
presently
in
operation,
eight
Registration:
20.09.2017,
Reg
no.158)
branches
and
Lloyd’s
India.
c)
Go
Digit
General
Insurance
Limited
(Date
of
and
11
are
re-insurers
including
foreign
reinsurers
Registration:
18.09.2017,
Reg
no:157)
insurers
exclusively
doing
health
insurance
business
b)
Acko
General
Insurance
Limited
(Date
of
are
general
insurers,
6 are
Standalone
health
operating
in
India;
of which
24
are
life
insurers,
27
Registration:
22.05.2017,
Reg
no.155)
I.3.1
At
the
end
of
March
2018,
there
are
68 insurers
a)
DHFL
General
Insurance
Limited
(Date
of
Registered
insurers
in
India
Insurance
Companies
in
India:
companies
have
been
registered
as
General
MARKET
During
the
F.Y.
2017-18,
the
following
4
new
I.3
APPRAISAL
OF
INDIAN
INSURANCE
IN
INDIA
IN
INDIA
CHART
I.4:
INSURANCE
PENETRATION
CHART
I.5:
INSURANCE
DENSITY
ANNUAL
REPORT
2017-18
in per cent
0 ~ I\J w .i,. U1 (J)
2001
2002
2003
2004 r
~ 2005
2006 . 2007
z 2008 0 : 'J 2009
~ 2010
I 2011 2012
d
![ 2013
2014 2015 2016
2017
in US$
I\J w .i,. U1 (J) -..J OJ
0 0 0 0 0 0 0 0 0
2001
2002
2003
2004
r
~ 2005
2006
2007
z
0 2008 :rJ
2009
~ 2010
I
2011
d 2012
oi 2013
2014
2015
2016
2017ANNUAL REPORT 2017-18
a. Foreign Reinsurers’ Branch: I.3.4 While renewal premium accounted for 57.68
percent (58.13 percent in previous year) of the total
i. General Reinsurance AG – India Branch
premium received by the life insurers, new business
(Date of Registration: 09.05.2017,
premium contributed the remaining 42.32 percent
Registration No. FRB/008)
(41.87 percent in previous year). During 2017-18,
the growth in renewal premium was 8.79 percent
ii. AXA France Vie – India Reinsurance
(6.62 percent in previous year). New business
Branch (Date of Registration: 28.07.2017,
premium registered a growth of 10.82 percent in
Registration No. FRB/009)
comparison to a growth of 26.26 percent during
b. IFSC Insurance Office: previous year (Table I.9).
i. Export Credit and Guarantee Corporation I.3.5 Further bifurcation of the new business
Ltd. (Date of Registration: 24.07.2017, premium indicates that single premium income
Registration No. SEZ/GIFT/IIO/003) received by the life insurers recorded a growth of
10.85 percent during 2017-18 (31.82 percent growth
Table I.8
in previous year). Single premium products continue
REGISTERED INSURERS INCLUDING
to play a major role for LIC as they contributed 33.48
FOREIGN REINSURERS’ BRANCHES /
percent of LIC’s total premium income (32.71
LLOYD'S INDIA
percent in previous year). In comparison, the
Type of Insurer Public Private Total
contribution of single premium income in total
Sector Sector
premium income during 2017-18 was 15.58 percent
Life 1 23 24
for private insurance companies (14.89 percent in
General 6 21 27
previous year).
Health 0 6 6
Re-insurers 1 10 11 I.3.6 The first year premium registered 10.75 percent
(including Foreign
growth in 2017-18, as against 16.64 percent growth
Reinsurers Branches/
Lloyd's India) in previous year. The private life insurers registered
Total 8 60 68 a growth of 13.71 percent (22.17 percent growth in
Note: List of registered insurers is given in Annexure 1 previous year); while LIC registered a growth of 7.02
percent in the first year premium (10.37 percent
LIFE INSURANCE growth in previous year).
Premium I.3.7 Unit-linked products (ULIPs) registered a
growth of 22.72 percent premium from `52845.26
I.3.3 Life insurance industry recorded a premium
crore in 2016-17 to `64850.90 crore in 2017-18. On
income of `458809.44 crore during 2017-18 as
the other hand, the growth in premium from
against `418476.62 crore in the previous financial
traditional products was at 7.75 percent, with
year, registering growth of 9.64 percent (14.04
premium `393958.54 crore as against `365631.36
percent growth in previous year). While private
crore in 2016-17. Accordingly, the share of unit-linked
sector insurers posted 19.15 percent growth (17.40
products in total premium increased to 14.13 percent
percent growth in previous year) in their premium
in 2017-18 as against 12.63 percent in 2016-17
income, LIC recorded 5.90 percent growth (12.78
(Statement No. 5).
percent growth in previous year) (Table I.9).
8ANNUAL REPORT 2017-18
TABLE I. 9
PREMIUM UNDERWRITTEN : LIFE INSURERS
CHART I.6: NEW BUSINESS PREMIUM OF
(` crore) LIFE INSURERS
Insurer 2016-17 2017-18
200000
180000
First Year premium (1)
160000
LIC 26301.03 28146.40 140000
i" 120000
(10.37) (7.02) 8
., 100000
Private Sector 33049.45 37581.33 80000
60000
(22.17) (13.71)
40000
Total 59350.48 65727.73 20000
0
(16.64) (10.75) LIC PRIVATE TOTAL
Single premium (2) ■2016-17 ■2017-18
LIC 98282.28 106525.29
(32.70) (8.39)
Private Sector 17569.92 21900.88
CHART I.7
(27.12) (24.65) TOTAL PREMIUM OF LIFE INSURERS
Total 115852.20 128426.17
500000
(31.82) (10.85) 450000
New Business Premium (3 =(1+2)) 400000
350000
LIC 124583.31 134671.69
i" 300000
(27.27) (8.10) .o0
, 250000
Private Sector 50619.37 59482.21 200000
(23.84) (17.51) 150000
100000
Total 175202.68 194153.90
50000
(26.26) (10.82)
0
LIC PRIVATE INDUSTRY
Renewal Premium (4)
■2016-17 ■2017-18
LIC 175904.05 183551.51
(4.36) (4.35)
Private Sector 67369.89 81104.03
CHART I.8: TOTAL PREMIUM OF
(12.99) (20.39)
LIFE INSURERS
Total 243273.94 264655.54
FOR 5 YEARS
(6.62) (8.79) 500000
450000
Total Premium [5 = (3+4)]
400000
LIC 300487.36 318223.20 350000
(12.78) (5.90) u0~ 300000
250000
Private Sector 117989.26 140586.24 11v
200000 ----
(17.40) (19.15) 150000
Total 418476.62 458809.44 100000 ■ ■ ■ ■ ■
50000
(14.04) (9.64)
2012-13 2013-14 2014-15 2015-16 2016-17 2017-18
Note: Figures in brackets indicate the growth (in percent)
1-lndustry
over the previous year.
9ANNUAL REPORT 2017-18
Market Share 1.3.9 The market share of private insurers in new
business premium was 30.64 percent in 2017-18
I.3.8 On the basis of total premium income, the
(28.89 percent in previous year). The same for LIC
market shares of LIC decreased from 71.81 percent
was 69.36 percent (71.11 percent in previous year).
in 2016-17 to 69.36 percent in 2017-18. The market
Similarly, in renewal premium, LIC continued to have
share of private insurers has increased from 28.19
a higher share at 69.35 percent (72.31 percent in
percent in 2016-17 to 30.64 percent in 2017-18
previous year) when compared to 30.65 percent
(Table I.10).
(27.69 percent in previous year) share of private
insurers.
TABLE I.10
New Policies
MARKET SHARE : LIFE INSURERS
(in percent)
I.3.10 During 2017-18, life insurers issued 281.97
Insurer 2016-17 2017-18 lakh new individual policies, out of which LIC issued
First Year Premium (1) 213.38 lakh policies (75.7% of total new policies
LIC 44.31 42.82 issued) and the private life insurers issued 68.59
lakh policies (24.3% of total new policies issued).
Private Sector 55.69 57.18
While the private sector achieved a growth of 8.47%
Total 100.00 100.00
in the number of new policies issued against the
Single Premium (2) previous year, LIC achieved a growth of 5.99%.
LIC 84.83 82.95
TABLE I.11
Private Sector 15.17 17.05
NEW POLICIES ISSUED: LIFE INSURERS
Total 100.00 100.00
(In lakh)
New Business Premium (3 =(1+2))
Insurer 2016-17 2017-18
LIC 71.11 69.36
LIC of India 201.32 213.38
Private Sector 28.89 30.64 (-2.02) (5.99)
Private Sector 63.24 68.59
Total 100.00 100.00
(2.13) (8.47)
Renewal Premium (4) Total 264.56 281.97
(-1.05) (6.58)
LIC 72.31 69.35
Note: Figures in brackets indicate growth (in percent) over
Private Sector 27.69 30.65
previous year
Total 100.00 100.00
Paid-up capital
Total Premium [5 =(3+4)]
LIC 71.81 69.36 I.3.11 The total capital of the life insurance
Private Sector 28.19 30.64 companies as on 31st March, 2018 was `27264.37
crore. During 2017-18, an additional capital of
Total 100.00 100.00
`307.43 crore was brought in the industry by the
private sector insurers (Table I.12).
10ANNUAL REPORT 2017-18
TABLE I.12 I.3.13 The overall commission expenses ratio
PAID UP CAPITAL* : LIFE INSURERS (commission expenses as a percentage of
(` crore) premiums) increased marginally to 5.53 percent in
Insurer As at Additions As at 2017-18 from 5.29 percent in 2016-17. However,
31st March, during 31st March,
total commission increased by 14.63 percent (total
2017 2017-18 2018
premium growth 9.64 percent), first year commission
LIC 100.00 0.00 100.00
increased by 21.93 percent (first year premium
Private Sector 26856.94 307.43 27164.37
growth 10.75 percent), new business commission
TOTAL 26956.94 307.43 27264.37
* Excludes Share premium & Share application money increased by 23.37 percent (new business premium
growth 10.82 percent) and renewal commission
Expenses of life insurers
increased by 5.36 percent (renewal premium growth
I.3.12 Pursuant to Insurance Laws (Amendment) 8.79 percent). The single premium has increased
Act, 2015, section 40B of Insurance Act, 1938 was by 10.85 percent while single commission increased
amended and reads as under: “No insurer shall, in by 58.67 percent. However, there is some variation
respect of insurance business transacted by him in in the position when compared between the private
India, spend as expenses of management in any insurers and LIC, as reflected in Table I.13, providing
financial year any amount exceeding the amount as bifurcation of the commission ratios for both private
may be specified by the regulations made under this and public sector life insurers.
Act.”.
I.3.14 The operating expenses of the life insurers
Accordingly, IRDAI (Expenses of Management of increased by 5.81 percent in 2017-18 (increased by
Insurers transacting life insurance business) 18.98 percent in 2016-17). The operating expenses
Regulations, 2016 were notified on 9th May 2016. towards life insurance business stood at `48820.69
crore in 2017-18 (`46138.88 crore in 2016-17). The
These Regulations prescribe the allowable limits of
operating expenses of LIC increased by 4.11 percent
expenses of management taking into account, inter
and that of private insurers by 8.68 percent. For the
alia the type and nature of product, premium paying
industry as a whole, the operating expenses ratio
term and duration of insurance business.
decreased from 11.03 percent in 2016-17 to 10.64
percent in 2017-18. (Table I.15 and I.16). Operating
The overall expenses (commission and operating
expenses, as a percent of gross premium
expenses) of life insurers increased by 8.67 percent
underwritten also decreased for LIC from 9.64
in the 2017-18. (increased by 15.60 percent in 2016-
percent in 2016-17 to 9.47 percent. The same for
17)
private insurers decreased from 14.57 percent in
2016-17 to 13.29 percent in 2017-18.
11ANNUAL REPORT 2017-18
TABLE I.13 TABLE I.14
COMMISSION EXPENSE RATIO
COMMISSION EXPENSES : LIFE INSURERS
LIFE INSURERS
(`crore) (In percent)
Insurer 2016-17 2017-18
Insurer 2016-17 2017-18
First Year (1)
First Year Premium
LIC 7096.55 8235.52
LIC 26.98 29.26
Private Sector 3840.52 5100.55
Private Sector 11.62 13.57
Total 10937.07 13336.07 Total 18.43 20.29
Single (2) Single Premium
LIC 399.63 524.55 LIC 0.41 0.49
Private Sector 46.08 182.64 Private Sector 0.26 0.83
Total 445.71 707.19 Total 0.38 0.55
New Business (3 =(1+2)) New Business Premium
LIC 7496.18 8760.07 LIC 6.02 6.50
Private Sector 7.68 8.88
Private Sector 3886.60 5283.19
Total 6.50 7.23
Total 11382.78 14043.26
Renewal Premium
Renewal (4)
LIC 5.19 5.18
LIC 9135.77 9511.46
Private Sector 2.37 2.22
Private Sector 1598.60 1798.22
Total 4.41 4.27
Total 10734.37 11309.68
Total Premium
Total [5 =(3+4)]
LIC 5.53 5.74
LIC 16631.95 18271.53
Private Sector 4.65 5.04
Private Sector 5485.20 7081.41
Total 5.29 5.53
Total 22117.15 25352.94
Note : Commission expense ratio is the ratio between
commission and the premium underwritten by life insurers
TABLE I.16
TABLE I.15
OPERATING EXPENSES RATIO : LIFE INSURERS
OPERATING EXPENSES : LIFE INSURERS
(` crore) Insurer 2016-17 2017-18
Insurer 2016-17 2017-18 Increase LIC 9.64 9.47
over previous
Private Sector 14.57 13.29
year (%)
LIC 28952.06 30142.40 4.11 Total 11.03 10.64
Private Sector 17186.82 18678.30 8.68 Note : Operating expense ratio is the ratio of operating
expenses to the premium underwritten by the life insurers
Total 46138.88 48820.69 5.81
12ANNUAL REPORT 2017-18
Benefits Paid percent) as against `11094.51 crore, (24.70 percent)
in 2016-17. In case of the private insurance industry,
I.3.15 The life industry paid benefits of `277953.63
the ULIP surrenders accounted for `41864.50 crore
crore in 2017-18 (`236339.87 crore in 2016-17)
(87.97 percent) in 2017-18 as against `40241.57
constitutes 60.58 percent of the gross premium
crore (89.27 percent) in 2016-17.
underwritten (56.48 percent in 2016-17). The
benefits paid by the private insurers was `81235.59 Investment income
crore (`69463.00 crore in 2016-17) constituting
I.3.16 In the case of LIC, the investment income
57.78 percent of the premium underwritten (58.87
(Policyholder’s and Shareholder’s) including capital
percent in 2016-17). LIC paid benefits of `196718.04
gains and other income was `206069.53 crore in
crore in 2017-18, constituting 61.82 percent of the
2017-18 (`192478.14 crore in 2016-17). In the case
premium underwritten (`166876.88 crore in
of private insurance industry, the investment income
2016-17, 55.53 percent of the premium
including capital gains was at `55754.32 crore in
underwritten). The benefits paid on account of
2017-18 (`69184.14 crore in 2016-17).
surrenders / withdrawals increased at `99265 crore,
of which LIC accounted for `51677.91 crore and Retention Ratio
private sector `47587.09 crore. The comparative
I.3.17 During 2017-18, `372.22 crore was ceded as
previous year statistics were `90005.40 crore, of
reinsurance premium by LIC (`290.68 crore in 2016-
which LIC accounted for `44924.56 crore and private
17). The private insurers together ceded `1761.71
sector paid `45080.85 crore. In the current year, in
crore (`1502.42 crore in 2016-17) as premium
case of LIC, out of the `51677.91 crore surrenders,
towards reinsurance. Retention ratio of Life insurers
ULIP policies accounted for `8087.82 crore (15.65
was 99.53% for 2017-18 (99.57% for 2016-17).
TABLE I.17
BENEFIT PAID : LIFE INSURERS
(` crore)
INSURER 2016-17 2017-18 Growth
Surrender/ Claims other Total Surrender/ Claims other Total over
Withdrawal than Surrender/ Withdrawal than Surrender/ previous
Withdrawal Withdrawal year (%)
LIC 44924.56 121952.32 166876.88 51677.91 145040.13 196718.04 17.88
Private Sector 45080.85 24382.15 69463.00 47587.09 33648.50 81235.59 16.95
Total 90005.40 146334.47 236339.87 99265.00 178688.63 277953.63 17.61
13ANNUAL REPORT 2017-18
BOX ITEM 1
PARTICIPATION OF WOMEN IN LIFE INSURANCE
Women comprise roughly 48% of the total population in India. Their contribution to the economic activity of the
country is significant and is increasing every year. In this context, a brief study is made on the share of women
in life insurance business. Only individual new business data – number of policies and first year premium for the
FY 2017-18 – has been considered for the purpose.
1. The total number of policies sold in the year 2017-18 stands at 2.82 Cr, with a first year premium (FYP) of
`92135 Crores. The following table provides the contribution of men and women to the total business.
2. As can be seen, as against the share in population of 48%, women contribute 32% in number of policies and
first year premium.
3. Out of 90 lakh policies bought by women in the year 2017-18 in India, almost one-third have come from
three States, Maharashtra (12%), West Bengal (10.3%), and UP (9.4%). Similarly, out of `29800 crore FYP
contributed by women, slightly more than one-third have come from` three States, namely, Maharashtra
(18.1%), West Bengal (10%) and Tamil Nadu (7.8%).
Top 5 States/UT with highest share in number of Bottom 5 States/UT with the least share in
policies bought by women to the total number number of policies bought by women to the total
of policies in that State/ UT number of policies in that State/ UT
State Percentage State Percentage
Lakshadweep 55% Jammu & Kashmir 24%
Puducherry 43% Haryana 27%
Kerala 43% Gujarat 27%
Mizoram 41% Uttar Pradesh 28%
Sikkim 40% Jharkhand 28%
All-India Average 32% All-India Average 32%
Male Female proportion analysis of Population & Individual Life Insurance New Business 2017-18
Particulars Total (Cr) Male (Cr) Female (Cr) Male % Female %
Population 134 69 65 52% 48%
No of policies 2.82 1.91 0.90 68% 32%
FY Premium 92,135 62,334 29,801 68% 32%
*Premium in `Crores. * Population estimation as at 2018 from UIDAI web site
4. In 19 States/UTs, the share in number. of policies bought by women to the total policies sold is higher than
the all-India average of 32%. The above table provides data of top and bottom five states/UTs in terms of
share in no. of policies bought by women to the total policies sold in that State/UT.
5. At All-India level, 210 persons have purchased a life insurance policy, for every 10000 population. But,
when we break it up in terms of male and female, we find 277 males have purchased life insurance policies
for every 10000 male population, whereas, 139 women have purchased life insurance policies for every
10000 female population. The following table provides male female break-up State/UT wise.
14ANNUAL REPORT 2017-18
State / UT Policies per Policies Per 10,000 Policies Per 10,000
10000 Population male population female population
Andaman & Nicobar Islands 141 174 101
Andhra Pradesh 248 306 189
Arunachal Pradesh 83 107 58
Assam 236 313 156
Bihar 129 168 86
Chandigarh 774 1 016 502
Chattisgarh 177 240 114
Dadar & Nagar Haveli 56 71 37
Daman & Diu 210 220 197
Delhi (Nct) 442 570 298
Goa 626 774 474
Gujarat 217 303 123
Haryana 238 329 135
Himachal Pradesh 337 444 226
Jammu & Kashmir 127 169 72
Jharkhand 159 223 90
Karnataka 244 301 184
Kerala 248 296 203
Lakshadweep 19 16 22
Madhya Pradesh 154 206 98
Maharashtra 301 411 183
Manipur 103 134 72
Meghalaya 57 72 41
Mizoram 43 50 35
Nagaland 80 109 48
Odisha 285 372 197
Puducherry 312 370 259
Punjab 220 294 138
Rajasthan 188 260 112
Sikkim 241 272 206
Tamil Nadu 221 266 176
Telangana 235 302 168
Tripura 258 347 166
Uttar Pradesh 133 185 77
Uttarakhand 288 394 179
West Bengal 290 380 195
All India 210 277 139
6. As can be seen, the three states with the highest number of policies sold per 10000 women are Chandigarh,
Goa and Delhi (NCR).
7. Further, the all-India average reveals that there are two men purchasing life insurance policies per every
one woman. As compared to this, in States/UTs such as Lakshadweep, Daman & Diu, Sikkim, Mizoram,
Puducherry, Kerala, Tamil Nadu, etc., the participation of women in life insurance is higher as compared to
the all-India average. However, the ratio is more skewed towards men in States/ UTs such as Jharkhand,
Gujarat, Haryana, Uttar Pradesh, Jammu & Kashmir, Rajasthan etc., where a relatively lower proportion of
women purchased life insurance policies as compared to the national average.
8. A look at the participation of women in Life Insurance Marketing as Insurance Agents:
a. 579220 women are working as agents in the Life Industry making it 27.81% of the total agency force as
at 31.3.2018. Of these, 49.53% are employed by Private Insurers and 50.47% by LIC.
b. Among the private life insurers, Max Life Insurance Co has highest percentage of women agents at
46.11% followed by IDBI Federal Life Ins. Co at 39.17% and AEGON Life Insurance Co at 34.10%.
15ANNUAL REPORT 2017-18
Profits of Life Insurers TABLE I.18
DIVIDENDS PAID BY LIFE INSURERS
I.3.18 During the financial year 2017-18, the life
( ` crore)
insurance industry reported a profit after tax of
Insurer 2016-17 2017-18
`8511.99 crore as against `7727.89 crore in 2016-
LIC 2200 2422
17. Out of the twenty-four life insurers in operations
Private Sector* 1062 1770
during 2017-18, nineteen companies reported
Total 3262 4192
profits. They are Bajaj Allianz Life, Birla Sun Life,
* 4 Life Insurers in 2016-17 and 5 Life insurers in 2017-18.
Canara HSBC Life, DHFL Pramerica Life, EXIDE
Death Claims for the year 2017-18
Life, HDFC Standard Life, ICICI Prudential Life, IDBI
Federal Life, India First Life, Kotak Mahindra Life,
Individual Life Insurance Business:
Max Life, PNB MetLife, Reliance Nippon Life, SBI
Life, Sahara India Life, Shriram Life, Star Union Dai- I.3.20 In the year 2017-18, the life insurance
Ichi Life, Tata AIA Life and LIC of India. LIC of India companies had settled 8.28 lakh claims on individual
reported a profit after tax of `2446.41 crore i.e. an policies, with a total pay-out of ` 14623.82 crores.
increase of 9.62 percent over `2231.74 crore in The number of claims repudiated/rejected was 9286
2016-17. for an amount of ` 532.21 Crores.
Returns to Shareholders I.3.21 Claim settlement ratio of LIC was at 98.04
percent as at 31.03.2018 when compared to 98.31%
I.3.19 For the year 2017-18, LIC paid `2421.82 crore
as at 31.03.2017. The proportion of repudiations has
(`2200.33 crore in 2016-17) as dividend to
marginally come down to 0.67% in 2017-18
shareholder i.e. Government of India. Five private
compared to the 0.97% in the previous year.
life insurers paid dividends during the financial year
2017-18. HDFC Standard Life paid `273.22 crore I.3.22 For private insurers, settlement ratio had gone
(`219.74 crore in 2016-17), ICICI Prudential paid up by 1.52% at 95.24% during the financial year
`990.46 crore (`552.27 crore in 2016-17), Max Life 2017-18 when compared to 93.72 % during the
paid `285.90crore (`140.07 crore in 2016-17), SBI previous year. The proportion of repudiations came
Life paid `200 crores (`150 crores in 2016-17) and down to 3.97% in the year 2017-18 when compared
Shriram Life paid `20.09 crore. to 4.85% in the previous year.
TABLE I.19
INDIVIDUAL DEATH CLAIMS OF LIFE INSURERS 2017-18
(Figures in percent of policies)
Total Claims Claims Un- Claims Break up of claims pending
Life Insurer Claims paid repudiated/ claimed pending at duration-wise (Policies)
rejected end of year < 3 3 - < 6 6 - < 12 > 1
mths mths mths yr
Private Total 100.00 95.24 3.97 0.16 0.63 72.55 17.37 3.36 6.72
LIC 100.00 98.04 0.67 1.21 0.08 45.17 44.64 3.51 6.68
Industry Total 100.00 97.68 1.10 1.08 0.15 60.13 29.74 3.43 6.70
16ANNUAL REPORT 2017-18
TABLE I.20
GROUP DEATH CLAIMS OF LIFE INSURERS 2017-18
(Figures in percent of lives covered)
Life Insurer Total Claims Claims Un- Claims Break up of Claims pending
Claims paid repudiated Claimed pending at duration-wise (Lives)
end of year < 3 3 - < 6 6 - < 12 > 1
mths mths mths yr
Private Total 100.00 99.20 0.55 0.03 0.22 84.84 9.32 3.86 1.98
LIC 100.00 99.80 0.02 0.06 0.13 71.67 12.78 1.67 13.89
Industry Total 100.00 99.42 0.35 0.04 0.19 81.50 10.20 3.31 4.99
Expansion of Offices
I.3.23 The industry’s settlement ratio marginally
declined to 97.68 % in 2017-18 from 97.74 percent
I.3.26 Number of life insurance offices increased to
in 2016-17 and the repudiation ratio decreased to
11112 as on 31.03.2018 compared to 10954 as on
1.10% compared to the 1.73 percent in 2016-17.
31.03.2017.
Group Life Insurance:
I.3.27 It is observed that majority of offices of life
insurers are located in Semi-Urban towns which are
I.3.24 During 2017-18 out of 765800 total number
with a population between 10000 to 99999. Around
of group claims payable, life insurance industry paid
38% of life insurance offices are located in these
a total of 761379 (99.42%) claims.
small towns. After the Semi-Urban towns, majority
I.3.25 While LIC paid 99.80 % of the claims, the of the life insurance offices i.e. 34.5% are located in
private life insurers paid 99.20% of all claims. The Urban towns with a population between 100000 to
industry repudiated 0.35 % of the claims. 999999 and 25.45% in Metro areas with a population
of 10 lakhs and above, 2% in rural areas with a
population of less than 10000.
CHART I.9: DURATION-WISE BREAKUP OF
CLAIMS PENDING INDIVIDUAL POLICIES
CHART I.10: DURATION - WISE BREAKUP OF
CLAIMS PENDING GROUP POLICIES
80%
90%
70%
80%
60%
70%
c 50% 60'%
~ 40% C 50%
~
~ ~
30% ll. 40%
30%
20%
20%
10%
10%
0%
0%
< 3 months 3 to 6 months 6 to 12 months > 12 months < 3 months 3 to 6 months 6to 12months > 12 months
Duration Duration
■ Private Total ■ LIC of India ■ Industry Total ■ Private Total ■ LIC ■ Industry Total
17ANNUAL REPORT 2017-18
TABLE I.21
NUMBER OF OFFICES OF LIFE INSURERS
(As on 31st March)
Insurer 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
Private 6391 8785 8768 8175 7712 6759 6193 6156 6179 6057 6204
LICI 2522 3030 3250 3371 3455 3526 4839 4877 4892 4897 4908
Industry 8913 11815 12018 11546 11167 10285 11032 11033 11071 10954 11112
Note: 1) Data collected from life insurers through a special return.
2) Office as defined under Section 64VC of the Insurance Act, 1938.
3) For similar data for 2001-2007, refer IRDA Annual Report of 2007- 08.
TABLE I.22
DISTRIBUTION OF OFFICES OF LIFE INSURERS’ - NUMBER
(As on 31st March, 2018)
Insurer Metropolis Urban Semi-Urban Rural Total
Private 1978 2864 1304 58 6204
LICI 851 973 2920 164 4908
Industry 2829 3837 4224 222 11112
Note:- Metro: 10,00,000 and above Urban: From 1,00,000 to 9,99,999
Semi-Urban: From 10,000 to 99,999 Rural: Population up to 9999
TABLE I.23
DISTRIBUTION OF OFFICES OF LIFE INSURERS – TIER WISE
(As on 31st March, 2018)
Insurer Tier I Tier II Tier III Tier IV Tier V Tier VI Total
Private 4842 744 468 92 27 31 6204
LICI 1824 553 1345 1022 115 49 4908
Industry 6666 1297 1813 1114 142 80 11112
* Offices opened after seeking approval of the Authority.
Classification of locations done as under:
Tier I - Population of 1,00,000 & Above. Tier IV - Population of 10,000 to 19,999.
Tier II - Population of 50,000 to 99,999. Tier V - Population of 5,000 to 9,999.
Tier III - Population of 20,000 to 49,999 Tier VI - Population less than 5,000.
18ANNUAL REPORT 2017-18
TABLE I.24
STATE-WISE NUMBER OF DISTRICTS COVERED BY LIFE INSURERS AS AT 31.03.2018
State LIFE
No of No of Districts with life No of Districts w/o
Districts* insurance offices life insurance offices
LIC of Private Either LIC LIC of Private None
India or Private India
Andhra Pradesh 13 13 13 13 0 0 0
Arunachal Pradesh 21 5 3 5 15 17 15
Assam 33 27 21 27 6 12 6
Bihar 38 38 35 38 0 3 0
Chattisgarh 27 16 16 17 11 11 10
Goa 2 2 2 2 0 0 0
Gujarat 33 29 25 29 4 8 4
Haryana 22 21 20 21 1 2 1
Himachal Pradesh 12 11 10 11 1 2 1
Jammu & Kashmir 22 21 12 21 1 10 1
Jharkhand 24 23 23 23 1 1 1
Karnataka 30 30 30 30 0 0 0
Kerala 14 14 14 14 0 0 0
Madhya Pradesh 51 50 47 50 1 4 1
Maharashtra 36 36 35 36 0 1 0
Manipur 16 5 4 6 11 12 10
Meghalaya 11 7 5 8 4 6 3
Mizoram 8 6 1 6 2 7 2
Nagaland 11 7 3 7 4 8 4
Odisha 30 30 27 30 0 3 0
Punjab 22 21 21 21 1 1 1
Rajashtan 33 33 33 33 0 0 0
Sikkim 4 2 1 2 2 3 2
Tamilnadu 32 32 32 32 0 0 0
Telangana 31 10 21 21 21 10 10
Tripura 8 4 3 4 4 5 4
Uttarakhand 13 13 11 13 0 2 0
Uttar Prasefh 75 71 71 75 4 4 0
West Bengal 23 19 21 21 4 2 2
Andaman & Nicobar 3 2 1 2 1 2 1
Chandigarh 1 1 1 1 0 0 0
Dadra & Nagar Haveli 1 1 0 1 0 1 0
Daman and Diu 2 1 0 1 1 2 1
Delhi (NCT) 11 9 9 9 2 2 2
Lakshadweep 1 1 0 1 0 1 0
Puducherry 4 3 1 3 1 3 1
Total 718 614 572 634 103 145 83
* The number of districts is considered as per the Census-2011 data plus the new districts formed thereafter
19ANNUAL REPORT 2017-18
CHART I.14: GEOGRAPHICAL DISTRIBUTION
CHART I.11:
OF LIFE INSURERS’ OFFICES - INDUSTRY
NUMBER OF LIFE INSURANCE OFFICES
2.00%
14000
12000
10000
8000
6000
___. / I I I I
4000
I I I
2000
0
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
■ Metropolis ■ Urban ■ Semi-Urban ■ Rural
CHART I.13: GEOGRAPHICAL
CHART I.12: GEOGRAPHICAL DISTRIBUTION OF
DISTRIBUTION OF OFFICES - LICI
LIFE INSURERS' OFFICES - PRIVATE SECTOR
3.3%
0.9%
■ Metropolis ■ Urban ■ Semi-Urban ■ Rural ■ Metropolis ■ Urban ■ Semi-Urban ■ Rural
District Level Presence of Life Offices: covering 79.67% of all districts in the country. In total,
both LIC and private insurers together covered
I.3.28 As at 31st March, 2018, the sole public sector
88.30% of all districts in the country. The number of
life insurer, LIC of India had its offices in 614 districts
districts with no presence of life insurance offices
out of 718 districts in the country. As such, it covered
stood at 83 in the country. Out of these, 36 districts
85.51 % of all districts in the country, whereas the
belong to the north eastern states namely Arunachal
private sector insurers had offices in 572 districts
20ANNUAL REPORT 2017-18
Pradesh, Manipur, Meghalaya, Mizoram, Nagaland insurers operating in the year 2017-18, reported an
and Sikkim. In 22 states/union territories (out of a increase in premium underwritten for the year 2017-
total of 36 states/union territories in the country), 18 as against the previous year.
life insurance offices have covered all the districts.
I.3.32 In case of public sector general insurers, all
GENERAL INSURANCE four companies expanded their business with an
increase in respective premium collections. However,
Premium
the market shares of all the public sector insurers
I.3.29 The general insurance industry including except New India has decreased from previous year.
Standalone Health Insurers underwrote total direct The market shares of Oriental declined to 7.60
premium of `150662 crores in India for the year percent in 2017-18 from 8.43 percent in the previous
2017-18 as against `128128 crores in 2016-17, year, National declined to 10.75 percent in 2017-18
registering a growth rate of 17.59 percent as against from 11.11 percent in the previous year and United
32.94 percent growth rate recorded in the previous India Insurance declined to 11.57 percent in 2017-
year. The public sector insurers exhibited growth of 18 from 12.54 percent in the previous year. The
12.58 percent in 2017-18, over the previous year’s market share of New India increased from 14.92
growth rate of 26.27 percent. The private general percent in 2016-17 to 15.08 percent in 2017-18. New
insurers registered a growth rate of 21.59 percent India which collected Direct Premium of `22719
as against 35.55 percent growth rate during the crores, once again remained as the largest general
previous year. insurance company in India.
1.3.30 The standalone health insurers registered a
TABLE I.25
growth rate of 41.93 percent against 41.06 percent GROSS DIRECT PREMIUM INCOME IN INDIA
growth rate during the previous year and the GENERAL AND HEALTH INSURERS
( ` crore)
specialized insurers registered a growth rate of 10.75
percent as against the growth 70.33 percent during Insurer 2016-17 2017-18
the previous year. Public Sector Insurers 60218.36 67794.23
26.27% 12.58%
I.3.31 The premium underwritten by 27 private sector
Private Sector Insurers 53804.96 65419.82
insurers (including standalone health insurers) in
35.55% 21.59%
2017-18 was `73734 crores as against `59663
crores in 2016-17. ICICI Lombard continued to be Standalone Health Insurers 5857.83 8314.28
41.06% 41.93%
the largest private sector general insurance
company, with market share of 8.20 percent in the Specialized Insurers 8247.19 9133.81
current year against a market share of 8.37 percent 70.33% 10.75%
Total 128128.34 150662.13
in the previous year. Bajaj Allianz, the second largest
32.94% 17.59%
private sector general insurance company, which
Note: Figure in percentage indicates growth over previous
underwrote a total premium of `9445 crores,
year.
reported increase in market share from 5.96 percent Reclassification/Regrouping in the previous year's figures, if
any, by the insurer has not been considered.
in 2016-17 to 6.27 percent during the year under
review. 20 private insurers and 6 standalone health
21ANNUAL REPORT 2017-18
TABLE I.26 GROSS DIRECT PREMIUM
INCOME IN INDIA: GENERAL AND HEALTH
CHART I.15
INSURERS INSURER-WISE
GROSS DIRECT PREMIUM INCOME
(` crore)
IN INDIA: GENERAL INSURERS
Insurer Total Premium Market Share
2016-17I 2017-18 2016-17 2017-18
I
Public Sector Insurers
160000
National 14237.54 16193.55 11.11% 10.75%
140000 New India 19114.69 22718.76 14.92% 15.08%
Oriental 10803.34 11451.97 8.43% 7.60%
120000 United 16062.8 17429.95 12.54% 11.57%
I I I I
Sub-Total 60218.37 67794.23 47.00% 45.00%
100000
Private Sector Insurers
e~
80000 Acko General NA 0.92 NA 0.00%
()
It,' Bajaj Allianz 7633.28 9445.22 5.96% 6.27%
60000 Bharti AXA 1314.09 1753.58 1.03% 1.16%
Cholamandalam 3133.28 4102.57 2.45% 2.72%
40000 DHFL General NA 141.07 NA 0.09%
Edleweiss General NA 1.30 NA 0.00%
20000
Future Generali 1815.5 1906.37 1.42% 1.27%
Go Digit NA 93.74 NA 0.06%
0
HDFC ERGO* 3964.45 NA* 3.09% NA*
Public Sector Private Standalone Specialized Industry
Insurers Sector Health Insurers HDFC ERGO** 2224.16 7289.97 1.74% 4.84%
Insurers Insurers (Formerly L&T Gen.)
ICICI Lombard 10725.2 12356.85 8.37% 8.20%
■2016-17 ■2017-18
IFFCO Tokio 5563.7 5631.89 4.34% 3.74%
Kotak Mahindra 82.05 185.39 0.06% 0.12%
Liberty General*** 584.59 816.53 0.46% 0.54%
Magma HDI 419.49 526.69 0.33% 0.35%
Raheja QBE 58.92 83.45 0.05% 0.06%
Reliance 3935.35 5069.08 3.07% 3.36%
CHART I.16 Royal Sundaram 2188.78 2623.44 1.71% 1.74%
GROSS DIRECT PREMIUM OF GENERAL SBI 2604.49 3544.20 2.03% 2.35%
AND HEALTH INSURERS - 5 YEARS Shriram 2102.42 2100.76 1.64% 1.39%
Tata AIG 4167.97 5435.92 3.25% 3.61%
Universal Sompo 1287.23 2310.86 1.00% 1.53%
Sub-Total 53804.95 65419.82 41.99% 43.42%
160000 Standalone Health Insurers
140000 Aditya Birla 54.04 243.17 0.04% 0.16%
Apollo Munich 1301.93 1717.51 1.02% 1.14%
120000
CignaTTK 221.8 346.40 0.17% 0.23%
100000 Max Bupa 593.93 754.47 0.46% 0.50%
80000 Religare 726.07 1091.61 0.57% 0.72%
:::::-=:::::::::::;.~
Star Health 2960.05 4161.11 2.31% 2.76%
60000
Sub-Total 5857.83 8314.28 4.57% 5.52%
40000 Specialized Insurers
20000 AIC 6979.56 7893.39 5.45% 5.24%
ECGC 1267.62 1240.42 0.99% 0.82%
2013-14 2014-15 2015-16 2016-17 2017-18 Sub-Total 8247.19 9133.81 6.44% 6.06%
I I I I
Grand Total 128128.34 150662.13 100.00% 100.00%
~ Public Sector Insurers
~ Standalone Health Insurers * Erstwhile HDFC Ergo General Insurance Co. Ltd. merged with L&T General
Insurance Co. Ltd. w.e.f. 01.01.2017 ** L&T General Insurance co. Ltd. is renamed
~ INDUSTRY as HDFC Ergo General Insurance Co. Ltd. *** Erstwhile Liberty Videocon General
Insurance Co. Ltd.
~ Private Sector Insurers
NA* indicates that insurer’s business was not in operation during the corresponding
~ Specialized Insurers financial year.
Note: Reclassification/Regrouping in the previous year’s figures if any, by the insurer
has not been considered
22ANNUAL REPORT 2017-18
Segment wise premium
TABLE I.27
PREMIUM (WITHIN INDIA) UNDERWRITTEN BY GENERAL
I.3.33 The Motor business continued to be the largest
AND HEALTH INSURERS SEGMENT-WISE
general insurance segment with a share of 39.32
(` crore)
percent (39.22 percent in 2016-17). It reported
Segment 2016-17 2017-18
growth rate of 17.90 percent (18.79 percent in 2016-
Fire 9538.01 10780.70
17). The premium collection in Health segment
7.44% 7.16%
continued to surge ahead at `41981 crores in 2017-
Marine 2917.47 2894.66
18 from `34527 crores of 2016-17, registering 2.28% 1.92%
growth of 21.59 percent. The market share of health
Motor 50250.53 59246.11
segment has increased to 27.86 percent from 26.95 39.22% 39.32%
percent of previous year. The premium collection Others 65422.33 77740.65
51.06% 51.60%
from fire increased by 13.03 percent and for Marine
segment, it has decreased by 0.78 percent in 2017- Total Premium 128128.34 150662.13
18 whereas for the previous year the growth rate in Note: 1. Figures in percentage indicate the ratio (in percent)
of respective segment.
the Fire segment was 9.24 percent and there was 2. The above figures include premium of specialized insurers
and Standalone Health Insurers
degrowth in marine segment 2.24 percent.
3. Others include Health, Personal Accident and Travel
Insurance
CHART I.17 PREMIUM (WITHIN INDIA) UNDERWRITTEN BY GENERAL
AND HEALTH INSURERS - SEGMENT WISE
Fire
■
■ Marine
51%
■ Motor 52%
39% 39%
■ Others
23ANNUAL REPORT 2017-18
Premium Underwritten Outside India TABLE I.28
RATIO OF OUTSIDE INDIA PREMIUM
I.3.34 All public sector insurers (except United India)
TO TOTAL PREMIUM
are underwriting general insurance business outside
(in percent)
India. United India ceased its operations outside
Insurer 2016-17 2017-18
India in 2003-04. The total premium underwritten
National 0.31 0.31
outside the country by the three public sector
New India 11.50 9.70
insurers stood at `2776 crore in 2017-18 as against Oriental 2.82 2.43
`2842 crore in 2016-17 registering a decline of 2.33 United - -
percent against decline of 3.79 percent in the Note: Reclassification/Regrouping in the previous year's
figures, if any, by the insurer has not been considered.
previous year. The premium underwritten outside
India accounted for 1.81 percent of total premium TABLE I.29
underwritten by the General insurers (including GROSS DIRECT PREMIUM FROM BUSINESS
Specialized insurers and Standalone health insurers) OUTSIDE INDIA
whereas it was 2.17 percent in the previous year. (` crore)
Insurer 2016-17 2017-18
I.3.35 New India continued to be the largest public
National 44.83 50.13
sector general insurer in terms of premium
4.48% 11.82%
underwritten outside India. The overseas premium
New India 2483.22 2440.55
constitutes 9.70 percent of the total premium
-5.00% -1.72%
underwritten by the insurer in 2017-18 (11.50
Oriental 313.68 284.86
percent in 2016-17). In case of Oriental, it is 2.43
5.67% -9.19%
percent in 2017-18 (2.82 percent in 2016-17).
United - -
National Insurance continued to have a small
- -
component of overseas business at 0.31 percent in
Total 2841.73 2775.54
2017-18 (0.31 percent reported in 2016-17).
-3.79% -2.33%
I.3.36 Of the total premium of `2776 crore Note : Figures in percentage indicate the growth over previous
year; Reclassification/Regrouping in the previous year's
underwritten outside India in 2017-18, New India
figures, if any, by the insurer has not been considered.
underwrote a higher premium of `2441 crore (`2483
crore in 2016-17), its market-share in the total in F.Y. 2017-18 against 1542.63 lakh policies
outside India premium of general insurers increased underwritten in F.Y. 2016-17, reporting an increase
to 87.93 percent in 2017-18 from 87.38 percent in of 10.7% during F.Y. 2017-18 (25.2% increase in
2016-17. National Insurance underwrote a premium F.Y. 2016-17). The Public sector insurers witnessed
of `50 crores in 2017-18 (`45 crores in 2016-17). decline in the number of policies issued. They
The outside India premium underwritten by Oriental reported a 5.8% decrease in number of policies
Insurance stood at `285 crores which is less than issued during F.Y. 2017-18 (27.0% decrease in F.Y.
previous year’s `314 crore, recording a decline of 2016-17). The Private sector insurers reported a
9.19 percent. Private General Insurance Companies growth in number of policies issued at 26.1% in F.Y.
have not written any premium outside India.
2017-18 (13.6% in F.Y. 2016-17). The Specialized
insurers reported an increase of 79.2% in the
Number of policies issued
number polices issued during the F.Y. 2017-18
I.3.37 The general insurers (excluding Standalone
(508.8% in the F.Y. 2016-17).
Health Insurers) underwrote 1707.71 lakh policies
24ANNUAL REPORT 2017-18
TABLE 1.30 TABLE I.31
NUMBER OF POLICIES ISSUED PAID-UP CAPITAL : GENERAL, HEALTH
GENERAL INSURERS* INSURERS AND REINSURERS
(In lakh) (` crore)
Insurer 2016-17 2017-18
Insurer 2016-17 2017-18
General Insurers
Public Sector 852.62 803.12
(27.0) (-5.8) Public Sector 650.00 862.00
Private Sector 624.45 787.13 Private Sector 7513.48 8869.24
(13.6) (26.1)
Sub Total 8163.48 9731.24
Specialized Insurers# 65.56 117.46 Standalone Health Insurers
(508.8) (79.2)
Public Sector NA NA
Total 1542.63 1707.71
Private Sector 2615.40 2831.90
(25.2) (10.7)
Sub Total 2615.40 2831.90
* Excluding Standalone Health Insurers
# Inadvertently, the figures of Stand Alone Health Insurers Specialized Insurers
were taken for Specialized Insurers in 2016-17 IRDAI Annual
Public Sector 1650.00 1700.00
Report. Now rectified.
Note: Figures in brackets indicate the growth / decline (in Private Sector NA NA
percent) over previous year.
Sub Total 1650.00 1,700.00
Reinsurers
Paid-up Capital
Public Sector 430.00 438.60
I.3.38 The total paid-up capital of general insurers
Private Sector 268.94 268.94
and re-insurers (including assigned capital of foreign
reinsurance branches) as on 31st March, 2017 was Sub Total 698.94 707.54
`14246 crores. During 2017-18, the general insurers Grand Total 13127.82 14970.69
and re-insurers added `3295 crores to their equity
Branches of Foreign
capital base, including the assigned capital of foreign Re-insurers including
reinsurance branches. Public sector insurers infused Lloyd’s India 1117.81* 2570.35*
capital of `212 crores whereas specialized insurer
*assigned capital; NA:- Not applicable
ECGC infused a further capital of `50 crores. Private
Note: Reclassification/Regrouping in the previous year's
sector insurers infused further capital to the extent figures, if any, by the insurer has not been considered.
of `1356 crore. Standalone health insurers infused
(Other Forms of Capital) Regulations, 2016. Under
a capital of `217 crores. GIC infused `8.60 Crore.
the provisions of the said Regulations,
Total paid up capital of general, standalone health
and reinsurers (including assigned capital of foreign a) Life Insurers- Three private life companies
reinsurance branches) as on 31.03.2018 is `17541 raised Other Forms of Capital amounting to
crores. Foreign reinsurance branches have infused `230 core during 2017-18 i.e. `70 crore by
`1453 crores during the year 2017-18. Aegon Life Insurance Company Ltd. and `60
crore by Bharti AXA Life Insurance Company
Other Forms of Capital
Ltd. and `100 crore by India First Life Insurance
I.3.39 Pursuant to the power given under section Company Limited.
6A(1)(i) of The Insurance Laws (Amendment) Act,
b) General Insurers- the General insurance
1938 and in exercise of the power conferred under
industry raised Other Forms of Capital
section 114A of the Insurance Act and section 26 of
amounting to `1550 crore during 2017-18
the IRDA Act, 1999, the Authority has notified IRDAI
whereas in the year 2016-17 `2281 crore was
25ANNUAL REPORT 2017-18
raised. Out of four public sector insurers, United The underwriting losses decreased by 21.98 percent
India Insurance Co. Ltd. raised Other Forms of over previous year. The public sector insurers’ losses
Capital of `900 crores. Four private sector decreased by 21.29 percent to `12603 crores in
insurers raised Other Forms of Capital of `650 2017-18 from `16012 crores in 2016-17. The private
crores. This includes `220 crores raised by sector insurers’ reported decrease in underwriting
Bharti Axa, `100 crore by Cholamandalam `80 losses which is `2085 crore in 2017-18 from `3176
crores by Apollo Munich and `250 crore by Star crores in 2016-17. Standalone health insurers
Health. reported increase in underwriting losses in 2017-18
which is `436 crores as compared to underwriting
Issuance of Capital by Insurance Companies
loss of `261 crores in 2016-17. The underwriting
losses of Specialized insurers slightly increased to
Life Insurers I.3.40 The Authority had received
`218 crores in 2017-18 from `214 crores in 2016-
applications for approval in terms of IRDAI (Issuance
17. The ratio of underwriting loss to net earned
of Capital by Indian Insurance Companies
premium for public sector insurers, private sector
transacting Life Insurance Business) Regulations
insurers, standalone health insurers and specialised
2015 for IPO from SBI Life Insurance Company Ltd.
insurers in 2017-18 was 23.56%, 5.39%, 7.67% and
and HDFC Standard Life Insurance Company Ltd.
8.31% respectively as compared to 32.65%, 9.75%,
during 2017-18. The promoters of the two
6.17% and 7.46% respectively in the year 2016-17.
companies have divested 12 percent and 15 percent
The ratio of underwriting loss to net earned premium
respectively. The IPO size of SBI Life Insurance
for general insurance industry in 2017-18 was
Company Ltd. and HDFC Standard Life Insurance
15.27% as compared to 22.16% in the year 2016-
Company Ltd. was `8,820 crore and `8,695 crore
17.
respectively.
During the year, there are five insurers who have
General Insurers I.3.41 The Authority had received
shown underwriting profit. The number of insurers
applications for approval in terms of IRDAI (Issuance
reported underwriting profit has increased to five in
of Capital by Indian Insurance Companies
the year 2017-18 from four in the year 2016-17.
transacting other than Life Insurance Business)
Regulations 2015 for IPO from ICICI Lombard
TABLE I.32
General Insurance Co. Ltd., New India Assurance
UNDERWRITING EXPERIENCE
Co. Ltd. and General Insurance Corporation. These
GENERAL AND HEALTH INSURERS
three companies have divested 19 percent, 14.56
(` crore)
percent and 14.22 percent respectively. New India
and GIC has mobilized fresh capital (including INSURER 2016-17 2017-18
security premium) to the tune of `1917 crore and Public Sector Insurers -16011.90 -12602.57
`1553 crore respectively. With this the IPO size of (-32.65%) (-23.56%)
ICICI Lombard General Insurance Co. Ltd., New
Private Sector Insurers -3175.84 -2085.43
India Assurance Co. Ltd. and General Insurance (-9.74%) (-5.39%)
Corporation was `5701 crores, `9586 crores and
Standalone Health Insurers -261.43 -435.73
`11176 crores respectively.
(-6.17%) (-7.67%)
The Authority had also granted the approval to Specialized Insurers -214.36 -217.69
Reliance General Insurance Co. Ltd for IPO. (-7.45%) (-8.31%)
However, the insurer is yet to go for initial public
Total -19663.53 -15341.42
offer. (-22.16%) (-15.27%)
Note: Figures in brackets indicate ratio of underwriting profit/
Underwriting Experience
loss to net earned premium
(Underwriting Profit/Loss = Premium Earned (Net)-Claim
I.3.42 The underwriting losses of the General Incurred (Net)-Commission-Operating Expenses related to
insurance companies decreased to `15341 crores Insurance Business-Premium Deficiency-Excess of EOM
charged to P&L)
in 2017-18 from `19664 crores in the previous year. Previous year’s figures were changed only to the extent of
expenses of management in excess of allowable limits.
Regrouping/Reclassification, if any, in previous years figures
26
by the insurer has not been considered.ANNUAL REPORT 2017-18
Expenses of General Insurers I.3.45 During the financial year 2017-18, 9 private
insurers were under exemption period i.e. The period
I.3.43 The gross commission expenses of public
of five financial years shall be in addition to the first
insurers, private general insurers, standalone health
partial financial year. Out of balance 24 General
insurers and specialized insurers stood at `5083
insurers, 21 general insurers were compliant and 3
crores,`3946 crores, `988 crores and `14 crores
general insurers were granted forbearance to IRDAI
respectively for 2017-18, cumulatively amounting to
(Expenses of Management of Insurers transacting
a total gross commission expense of `10030 crores
General or Health Insurance Business) Regulations,
for the general insurance industry. The gross
2016, subject to the condition that excess of
commission expenses were highest in the Motor
expenses of management shall be charged to
segment, which stood at `4268 crores, comprising
shareholders’ fund.
of `2198 crore for the public sector and `2070 crores
for the private sector companies.
TABLE I.34
OPERATING EXPENSES
I.3.44 Commission expenses and operating
GENERAL AND HEALTH INSURERS
expenses constitute a major part of the total
(` crore)
expenses. The operating expenses of general
INSURER 2016-17 2017-18
insurance companies stood at `25611 crores in
2017-18 as against `25594 crores in 2016-17, Public Sector Insurers 12838.19 11631.57
showing overall increase of 0.07 percent. The Private Sector Insurers 10694.19 11331.64
operating expenses of the public sector insurers and Standalone Health Insurers 1696.18 2292.04
specialized insurers decreased by 9.40 percent and
Specialized Insurers 365.79 356.19
2.62 percent respectively while operating expenses
Total 25594.35 25611.44
of private general insurers and standalone health
Note: Reclassification/Regrouping in the previous year's
insurers increased by 5.96 percent and 35.13 figures, if any, by the insurer has not been considered.
percent respectively over previous year.
TABLE I.33
GROSS COMMISSION EXPENSES: GENERAL AND HEALTH INSURERS
(` crore)
Segment Public Sector Private Sector Standalone Specialised
Total
Insurer Insurer Health Insurer Insurer
2016-17 2017-18 2016-17 2017-18 2016-17 2017-18 2016-17 2017-18 2016-17 2017-18
Fire 575.48 609.58 256.00 430.57 NA NA NA NA 831.48 1040.14
Marine 151.29 147.23 110.69 143.49 NA NA NA NA 261.98 290.73
Motor 1072.69 2197.69 919.64 2070.15 NA NA NA NA 1992.33 4267.84
Health 1281.19 1515.79 704.45 931.19 664.08 987.82 NA NA 2649.72 3434.81
Others 544.16 612.51 315.24 370.68 NA NA 6.75 13.64 866.15 996.83
Total 3624.81 5082.80 2306.02 3946.08 664.08 987.82 6.75 13.64 6601.66 10030.34
Note: Re-classification/re-grouping by the insurers in the previous year's figures, if any, has not been considered. NA -- Not applicable
27ANNUAL REPORT 2017-18
Incurred Claims Ratio previous year’s ratio of 79.10 percent, 56.47 percent
and 120.22 percent respectively.
I.3.46 The net incurred claims of the general insurers
stood at `85651 crores in 2017-18 as against `80662 I.3.48 Among the various segments, Health
crores in 2016-17. The incurred claims exhibited an insurance segment had a high claims ratio at 92.21
increase of 6.19 percent during 2017-18. The public percent. The incurred claims ratio of Fire segment
sector insurers, private sector general insurers and has decreased to 82.35 percent from 84.38 in the
standalone health insurers reported increase of 2.21 previous year. The incurred claims ratio of Marine
percent, 13.25 percent and 41.41 respectively, while segment has decreased to 65.30 percent from 74.98
specialized insurers reported decrease in the in the previous year. The incurred claims ratio of the
incurred claims by 14.41 percent. The overall
increase in incurred claims during 2017-18 was at TABLE I.35
NET INCURRED CLAIMS:
6.19 percent as against 25.05 percent recorded
GENERAL AND HEALTH INSURERS
during the previous year.
(` crore)
I.3.47 The incurred claims ratio (net incurred claims INSURER 2016-17 2017-18
to net earned premium) of the general insurance Public Sector Insurers 49043.19 50126.17
28.71% 2.21%
industry was 85.26 percent during 2017-18 which
Private Sector Insurers 25771.04 29184.70
is less than the previous year figure of 90.91 percent.
18.37% 13.25%
The incurred claims ratio for public sector insurers
Standalone Health Insurers 2392.05 3382.67
was 93.73 percent for the year 2017-18 which was
35.16% 41.41%
decreased from the previous year’s incurred claims
Specialized Insurers 3455.87 2957.82
ratio of 100.02 percent. Whereas for the private
20.98% -14.41%
sector nonlife insurers, standalone health insurers
Grand Total 80662.14 85651.36
and specialized insurers incurred claims ratio for the
25.05% 6.19%
year 2017-18 was 75.46 percent, 59.58 percent and
Note: Figure in percentage indicate percentage growth over
112.95 percent respectively as compared to the previous year
TABLE I.36
INCURRED CLAIMS RATIO: GENERAL AND HEALTH INSURERS (in percent)
Segment Public Sector Private Sector Standalone Specialised Total
Insurer Insurer Health Insurer Insurer
2016-17 2017-18 2016-17 2017-18 2016-17 2017-18 2016-17 2017-18 2016-17 2017-18
Fire 91.4 91.31 52.37 47.19 NA NA NA NA 84.38 82.35
Health 120.15 109.86 74.7 71.32 56.47 59.58 NA NA 101.05 92.21
Marine 74.96 64.06 75.01 66.93 NA NA NA NA 74.98 65.30
Motor 93.48 89.48 83.00 77.77 NA NA NA NA 88.17 83.45
Others 67.89 64.65 70.27 76.95 NA NA 120.22 112.95 81.91 78.90
Total 100.02 93.73 79.1 75.46 56.47 59.58 120.22 112.95 90.91 85.26
Note: Health includes Personal Accident and Travel Insurance NA:- Not Applicable
Note: Reclassification/Regrouping in the previous year's figures, if any, by the insurer has not been considered.
28ANNUAL REPORT 2017-18
Motor Segment was decreased to 83.45 percent in sector companies reported a profit after tax of `2543
the year 2017-18 from the previous year’s ratio 88.17 crore against a loss of `2551 crore in 2016-17. The
percent. The Incurred claims ratio of health segment private sector insurers reported a PAT of `3798
was decreased to 92.21 percent from the previous crores against a PAT of `2763 crore in 2016-17 and
year’s ratio of 101.05 percent. The incurred claims specialized insurers have reported `670 crore PAT
ratio of others segment had decreased to 78.90 against a PAT of `606 crores in 2016-17 whereas
the standalone health insurers reported loss of `102
percent from previous year’s ratio of 81.91 percent.
crores against a profit after tax of `27 crores in 2016-
Investment Income: General and Health Insurers
17.
I.3.49 The investment income of all general insurers
I.3.51 Out of four public sector insurers, three have
during 2017-18 was `25007 crore (`21730 crore in
reported PAT and one has reported loss during the
2016-17) registering a growth of 15.08 percent as
year 2017-18. New India reported a PAT of `2201
against 13.90 percent in the previous year. During
crore during the year 2017-18 against a PAT of `1008
the year under review, the investment income of
crore in 2016-17 and thus increased 118%. National
public sector insurers and standalone health insurers
Insurance has reported a loss of `2171 crores
has increased significantly by 18.57 percent and
against the profit after tax of `46 crores in the year
23.89 percent respectively. Investment income of
2016-17, Oriental reported profit after tax of `1510
private sector insurers and specialized insurers has
crore during 2017-18 against loss of `1691 crore in
grown at the percent of 9.53 percent and 6.19
2016-17. United India reported a profit after tax of
percent respectively.
`1003 crore during 2017-18 against the loss of
TABLE I.37 `1914 crore during 2016-17.
INVESTMENT INCOME OF
GENERAL AND HEALTH INSURERS I.3.52 Among the twenty-one private general
(` crore) insurance companies, while fourteen companies
Insurer 2016-17 2017-18 reported PAT, the remaining seven companies
Public Sector Insurers 13241.00 15699.85 incurred losses during 2017-18. The PAT of Bajaj
9.00% 18.57%
Allianz during the year 2017-18 was `921 crores
Private Sector Insurers 7083.91 7759.21
against PAT of `728 crores in the year 2016-17. The
24.62% 9.53%
PAT of ICICI Lombard was `862 crores in 2017-18
Standalone Health Insurers 312.32 386.93
against the PAT of `702 crores in the year 2016-17.
29.41% 23.89%
The insurers which reported losses after tax were
Specialized Insurers 1093.05 1160.71
8.81% 6.19% Acko General, Bharti AXA, DHFL General,
Edleweiss General, Go Digit, Kotak Mahindra and
Grand Total 21730.28 25006.71
13.90% 15.08% Liberty. Out of six standalone health insurers, three
Note: Figures in percentage indicate growth rate (in percent) of the have reported loss and three have reported PAT
respective insurers
during the year 2017-18. The three standalone health
Profits After Tax (PAT) of General Insurers insurers which reported PAT during the year 2017-
18 were Apollo Munich, Max Bupa and Star Health.
I.3.50 During the year 2017-18, the total PAT of
Apollo Munich, Max Bupa and Star Health reported
general insurance industry was `6909 crore as
PAT of `15crore, `23 crores and `170 crores
against a profit of `845 crore in 2016-17. The public
respectively during the year 2017-18. Specialized
29ANNUAL REPORT 2017-18
Insurers have reported PAT of `670 crores during Standalone Health Insurance companies to transfer
the year 2017-18. unclaimed amounts to the Senior Citizens’ Welfare
Fund (SCWF) after 10 years. As per these rules,
Returns to Shareholders
each insurance company shall identify the unclaimed
I.3.53 Of the four public sector general insurance amounts and prepare a list of the accounts
companies, Only New India has paid dividend of containing details of the unclaimed amount by the
`309 crores during the year 2017-18 against Nil 30th day of September of each financial year and
dividend payment in the year 2016-17. Among the make transfer to the SCWF on or before the 1st day
private sector insurers, five companies paid of March, each year. The financial year 2017-18 is
dividends during the year 2017-18. HDFC Ergo paid the first year for applicability of these Rules. As on
dividend of `121 crores, Shriram General paid 31st March, 2018, Unclaimed Amount of ` 81.63
dividend of `103 crore, ICICI Lombard paid dividend crore has been transferred to Senior Citizens’
of `68 crores, Cholamandalam MS paid dividend of Welfare Fund which consists `48.95 crore belonging
`18 crore and Reliance General paid dividend of `6 to Life Insurers and `32.68 crore belonging to
crores. General insurers.
GIC has paid a dividend of `1002 crore during the
year 2017-18 against Nil dividend during the year TABLE I.39
DIVIDEND PAID
2016-17. ECGC has not paid dividend during year
GENERAL, HEALTH AND REINSURERS
2017-18 against dividend of `73 crores during the
(` crore)
year 2016-17. No dividend was paid by AIC for the
Insurer 2016-17 2017-18
year 2017-18.
General Insurers
Unclaimed Amount of Policyholders Public Sector - 309
Private Sector 258 316
I.3.54 The Government has notified Senior Citizens’
Sub Total 258 625
Welfare Fund Rules (SCWF), 2016 vide notification
Standalone Health Insurers
F.No. 13/20/2014/NS-II Dated 18th March, 2016. The
Public Sector NA NA
subsequent amendment to these Rules vide Private Sector - -
notification F.No. 13/20/2014/NS-II, dated Sub Total - -
11.04.2017 has mandated Life, General and Specialized Insurers
Public Sector 73 -
TABLE I.38
Private Sector NA NA
PROFIT AFTER TAX OF
Sub Total 73 -
GENERAL AND HEALTH INSURERS
Reinsurers
(` crore)
Public Sector - 1002
Insurer 2016-17 2017-18
Private Sector - -
Public Sector Insurers -2,551.00 2542.70
Branches of
Private Sector Insurers 2763.00 3798.33 Foreign Re-insurers - -
Standalone Health Insurers 27.00 -102.19 Sub Total - 1002
Specialised Insurers 606.00 669.95 Grand Total 331 1627
Grand Total 845.00 6908.80 NA:- Not Applicable Above figures include proposed final dividend
and interim dividend also.
Note: Reclassification/Regrouping in the previous year's figures, if
Note: Reclassification/Regrouping in the previous year's figures, if
any, by the insurer has not been considered
any, by the insurer has not been considered.
30ANNUAL REPORT 2017-18
BOX ITEM 2
IMPLEMENTATION OF Ind AS IN INSURANCE SECTOR IN INDIA
Press Release on Ind AS in Insurance Sector
In the press release dated 18th January 2016 MCA has laid down the roadmap for implementation of Ind AS for
the insurance sector. It requires insurers/insurance companies to prepare Ind AS based financial statements for
accounting periods beginning from April 1, 2018 onwards with comparatives for the periods ending 31st March
2018 or thereafter.
Implementation Group on Ind AS: The Authority, in order to prepare the insurance industry for Ind AS and to
provide suitable guidelines wherever required had constituted an Implementation Group vide Order dated 17th
November 2015. Report of the Implementation Group along with draft Regulations on preparation of financial
statements of insurance companies is published on IRDAI website on 30th December 2016
Proforma Ind AS financial statements
The Authority has directed vide circular dated 1st March 2016 that insurers will have to submit proforma Ind AS
financial statements from quarter ended 31st December 2016 onwards using the draft formats recommended by
the Implementation Group on Ind AS.
The Insurers have been advised to plan the changes required for systems and processes towards implementation
of Ind AS and to set up the Steering Committee within their respective organisations, comprising members from
cross-functional areas to initiate the implementation process under the oversight of Audit Committee of the Board.
The disclosure of the strategy for Ind AS implementation and progress made in this regard is required to be made
in the Annual Reports of the insurers from financial year 2015-16 until implementation.
IFRS 17 Insurance Contracts
The International Accounting Standards Board (the Board) on 18th May 2017 issued the much awaited IFRS 17
Insurance Contracts which replaces IFRS 4, which was brought in as an interim Standard.
Following the pronouncement of IFRS 17, the IRDAI at its meeting held on 31st May 2017, reviewed the position
on the implementation of Ind AS, particularly the implementation of Ind AS 104 (which is equivalent of IFRS 4).
After evaluating the pros and cons of implementation of an interim standard for a short term, the Authority, having
noted the peculiarities of the insurance sector in India, particularly the fact that India does not have a standard
equivalent to IAS 39 on Financial Instruments: Recognition and Measurement.
In terms of Rule 4 of the Companies (Indian Accounting Standards) (Amendment) Rules, 2016 which states that
“The Banking Companies and Insurance Companies shall apply the Ind AS as notified by the Reserve Bank of
India (RBI) and Insurance Regulatory Development Authority (IRDA) respectively, the Authority approved the
regulatory override whereby the implementation of Ind AS in the Insurance Sector in India has been deferred for
a period of two years and the same shall be implemented effective 2020-21.
In order to commence work on early adoption of new standard on insurance contracts, a Working Group on New
standard on Insurance Contract (equivalent of IFRS 17) was constituted vide Order dated 21st August 2017.
The Working Group worked closely with ICAI in notifying the new standard on Insurance Contracts in India.
Exposure Draft of Ind AS 117 is issued for comments from stakeholders by ICAI on 12th February 2018. The
Working Group is working to finalize their report with draft formats of presentation of Ind AS compliant financial
statements.
31ANNUAL REPORT 2017-18
Number of Offices: in the country (i.e., 77.1% of total districts in the
country). The private sector insurers (excluding
I.3.55 As on 31st March 2018, the general insurers
standalone health insurers) cover 235 districts (i.e.,
were operating from 10425 offices (excluding
33.1 % of total districts in the country). 165 districts
standalone health insurers) as against 10547 offices
in India do not have any offices of general insurers.
for FY 2016-17, all over the country. When compared
to the previous FY, there is a decrease of 122 offices. TABLE I.40
NUMBER OF OFFICES OF
The sector-wise and state-wise distribution of offices
GENERAL INSURERS (As on 31st March)
throughout India is given in Table No. I.40 & I.41,
Sector 2017 2018
respectively.
Public 8518 8296
District level coverage – General Insurers Private 1946 2043
Specialized 83 86
I.3.56 In the general insurance, the public sector
Total 10547 10425
insurers are having offices in 553 out of 718 districts
*This data doesn't include standalone Health offices
TABLE I.41
STATE/UT-WISE DISTRIBUTION OF GENERAL INSURANCE OFFICES AS AT 31.03.2018
State Name No. of offices State Name No. of offices
Andhra Pradesh 493 Nagaland 13
Arunachal Pradesh 12 Orissa 323
Assam 233 Punjab 454
Bihar 275 Rajasthan 533
Chattisgarh 168 Sikkim 9
Goa 57 Tamil Nadu 1183
Gujarat 642 Telangana 333
Haryana 303 Tripura 39
Himachal Pradesh 112 Uttar Pradesh 983
Jammu & Kashmir 111 Uttarakhand 102
Jharkhand 198 West Bengal 520
Karnataka 653 Andaman & Nicobar Is 11
Kerala 538 Chandigarh 59
Madhya Pradesh 456 Dadra & Nagar Haveli 3
Maharashtra 1177 Daman & Diu 3
Manipur 13 Delhi 336
Meghalaya 30 Lakshadweep 1
Mizoram 13 Puducherry 36
Grand Total 10425
Note: This data doesn't include offices of Standalone health Insurers.
32ANNUAL REPORT 2017-18
TABLE I.42
NUMBER OF GENERAL INSURERS’ OFFICES – TIER-WISE AS AT 31.03.2018
General Insurers Year Tier-I Tier-II Tier-III Tier-IV Tier-V Tier-VI Total
Public sector 2017 4052 1103 1744 1470 100 49 8518
2018 4087 1107 1693 1256 92 61 8296
Private sector 2017 1874 48 15 7 2 0 1946
2018 1982 55 4 2 0 0 2043
Specialized sector 2017 82 1 0 0 0 0 83
2018 86 0 0 0 0 0 86
Total 2017 6008 1152 1759 1477 102 49 10547
2018 6155 1162 1697 1258 92 61 10425
Note: Tier I: Population 1,00,000 & above; Tier IV: Population 10,000 to 19,999;
Tier II: Population 50,000 to 99,999; Tier V: Population 5,000 to 9,999
Tier III: Population 20,000 to 49,999; Tier VI: Population less than 5,000
TABLE I. 43 STATE/UT-WISE COVERAGE OF DISTRICTS BY GENERAL INSURERS
(As on 31st March, 2018)
No. of No. of Districts with No. of Districts without
State / UT Districts general insurance offices general insurance offices
PSU Private Either Public PSU Private None
or Private
Andhra Pradesh 13 13 12 13 0 1 0
Arunachal Pradesh 21 4 0 4 17 21 17
Assam 33 26 4 26 7 29 7
Bihar 38 32 7 32 6 31 6
Chattisgarh 27 16 7 16 11 20 11
Goa 2 2 2 2 0 0 0
Gujarat 33 26 19 26 7 14 7
Haryana 22 21 6 21 1 16 1
Himachal Pradesh 12 10 4 10 2 8 2
Jammu & kasmir 22 14 3 14 8 19 8
Jharkhand 24 17 5 17 7 19 7
Karnataka 30 30 13 30 0 17 0
Kerala 14 14 11 14 0 3 0
Madhya Pradesh 51 39 12 39 12 39 12
Maharashtra 36 35 25 35 1 11 1
Manipur 16 3 1 3 13 15 13
Meghalaya 11 5 1 5 6 10 6
Mizoram 8 4 1 4 4 7 4
Nagaland 11 4 0 4 7 11 7
Orissa 30 27 9 27 3 21 3
Punjab 22 20 10 20 2 12 2
33ANNUAL REPORT 2017-18
No. of No. of Districts with No. of Districts without
State / UT Districts general insurance offices general insurance offices
PSU Private Either Public PSU Private None
or Private
Rajasthan 33 32 12 32 1 21 1
Sikkim 4 2 1 2 2 3 2
Tamil Nadu 32 32 16 32 0 16 0
Telangana 31 10 7 10 21 24 21
Tripura 8 4 1 4 4 7 4
Uttar Pradesh 75 66 22 66 9 53 9
Uttarakhand 13 9 3 9 4 10 4
West bengal 23 19 12 19 4 11 4
Andaman & Nicobar Is 3 1 1 1 2 2 2
Chandigarh 1 1 1 1 0 0 0
Dadra & Nagar Haveli 1 1 1 1 0 0 0
Daman & Diu 2 2 0 2 0 2 0
Delhi 11 9 5 9 2 6 2
Lakshadweep 1 1 0 1 0 1 0
Puducherry 4 2 1 2 2 3 2
Total 718 553 235 553 165 483 165
Note: The number of districts is considered as per the census 2011 data plus the new districts formed thereafter.
I.3.57 Revision in Motor Third Party Premium
CHART I.18
Rates:
NUMBER OF GENERAL INSURER'S
OFFICES TIER WISE 2017-18
1. IRDAI determines the premium rates for Motor
Third Party Insurance every year.
2. Accordingly, for the FY 2018-19, IRDAI has
carried out the exercise of determining the
Motor Third Party premium rates for each of
the classification codes contained in the
erstwhile All India Motor Tariff. IRDAI sought
comments from all the stakeholders on the
exposure draft dated 07.03.2018 (placed in the
IRDAI’s website).
3. After considering the interests of all the
■ Tier I ■ Tier II ■ Tier Ill Tier IV ■ Tier V ■ Tier VI stakeholders, the schedule of rates arrived at
for Motor Third Party Insurance Premium for
FY 2018-19 were notified vide the Authority’s
34ANNUAL REPORT 2017-18
notification no. “IRDA/NL/NTFN/MOTP/053/03/ 2. General Insurers’ compliance with Motor TP
2018” dated 28th March, 2018. Obligations for the FY 2016-17 have been
reviewed and found that one insurer has not
I.3.58 Motor Third Party Insurance Business
complied with.
Obligations
Specialised Insurers
1. In order to comply with Sec 32D of Insurance
Act 1938, the Authority, in consultation with Export Credit Guarantee Corporation of India
Insurance Advisory Committee, issued IRDAI Ltd.
(Obligations of Insurers in respect of Motor Third
I.3.59 Export Credit Guarantee Corporation of India
Party Insurance Business) Regulations, 2015
Ltd (ECGC) is a specialized insurer underwriting
on 2nd June 2015 stating the methodology for
business in export credit insurance. The company
the minimum obligation of Insurers transacting
motor insurance business.
TABLE I.44
MOTOR GDP DATA
(` In crore)
Insurer FY 2017-18
Motor OD Motor Third Total Motor Total
GDP Party GDP GDP GDP
Bajaj Allianz General 2119.7 2033.0 4152.7 9445.2
Bharti Axa General 693.9 380.0 1073.9 1753.6
Cholamandalam MS 992.3 1648.4 2640.7 4102.6
Future Generali India 510.2 527.1 1037.3 1906.4
HDFC Ergo General 1366.9 939.7 2306.6 7290.0
ICICI Lombard General 3062.2 2187.2 5249.5 12356.9
Iffco Tokio General 1495.1 1507.3 3002.4 5631.9
Kotak Mahindra General 81.5 57.9 139.4 185.4
Liberty Videocon 358.0 195.8 553.8 816.5
Magma HDI 150.3 263.2 413.4 526.7
National Insurance Co. Ltd. 2816.2 4207.8 7024.0 16193.5
The New India Assurance Co. Ltd. 3352.8 5742.1 9094.9 22718.8
The Oriental Insurance Co. Ltd. 1544.6 2812.9 4357.5 11452.0
Raheja QBE General 0.1 51.7 51.8 83.5
Reliance General 1198.4 1286.1 2484.5 5069.1
Royal Sundaram General 1239.0 787.5 2026.5 2623.4
SBI General 648.4 329.7 978.2 3544.2
Shriram General 586.5 1454.1 2040.6 2100.8
Tata AIG General 1608.8 1205.2 2814.0 5435.9
United India 2163.7 4918.0 7081.7 17430.0
Universal Sompo 333.6 313.6 647.3 2310.9
Grand Total 26322.2 32848.4 59170.6 132977.0
Note: Exempted Insurers are not included
35ANNUAL REPORT 2017-18
underwrote a gross direct premium of `1240 crore REINSURERS:
in 2017-18 reporting a decrease of 2.15 percent
General Insurance Corporation of India
against `1268 crore in 2016-17. The insurer reported
an underwriting loss of `555 crores against `246 I.3.61 GIC is the national reinsurer, providing
crore underwriting loss in the previous year. The reinsurance to Insurers in India and abroad. The
insurer’s Net Earned Premium is to the tune of `839
Corporation’s reinsurance program has been
crores as against `872 crores in the previous year.
designed to meet the objectives of optimizing the
The profit after tax of the company decreased to
retention within the country, ensuring adequate
`74 crores from `282 crores in the previous year.
coverage for exposure and developing adequate
The insurer reported an incurred claims ratio of
capacities within the domestic market.
136% in 2017-18 (121% in 2016-17).
I.3.62 The total net premium written by GIC during
Agricultural Insurance Company of India Ltd
2017-18 increased by 24.72 percent to `37634
I.3.60 Agriculture Insurance Company of India crores from `30175 crores in 2016-17. The net
Ltd(AIC) is a specialized insurer underwriting earned premium of the Reinsurer during 2017-18 is
business in agriculture insurance. The company increased to `38096 crores from `26715 crores in
underwrote gross direct premium of `7893 crores 2016-17. The net incurred claim ratio has increased
during the year 2017-18, reporting a growth of 13 to 86.50 percent in 2017-18 from 81.03 percent in
percent as against `6980 crores in 2016-17. The 2016-17. The company reported a profit after tax of
insurer’s net earned premium for the year 2017-18 `3234 crores in 2017-18 as against profit after tax
is `1780 crore as against `2003 crore in the previous of `3128 crores in 2016-17.
year. The insurer has earned an underwriting profit
ITI Re
of `337 crores in 2017-18 against an underwriting
profit of `32 crores in 2016-17. The profit after tax of
I.3.63 During the year 2016-17, the Authority had
the company was increased to `596 crores from
granted certificate of registration to ITI Reinsurance
`324 crores in the previous year. The company’s
Limited, a private reinsurer. The company is yet to
incurred claims ratio is 102% in 2017-18 as against
commence the business. The company has reported
120% in 2016-17.
profit after tax of `17 crores in the year 2017-18.
AIC is the main insurer under Pradhan Mantri Fasal
Foreign Reinsurers’ Branches
Bima Yojana (PMFBY). Other than PMFBY, AIC had
provided insurance to farmers under Restructured I.3.64 During the year 2017-18, total premium on
Weather based Crop Insurance Scheme (RWBCIS) reinsurance accepted by foreign reinsurance
and Coconut Palm Insurance Scheme (CPIS). There branches was `6216 crores. Out of which, Swiss
are also certain in-house products for crop insurance Re has the largest share of `2047 crore while Munich
(other than the above mentioned Government Re and SCOR SE has reported `1307 crore and
sponsored schemes). `1186 crore respectively.
I.3.65 During the year 2017-18, foreign reinsurance
branches infused assigned capital of `1452.54 crore.
Assigned capital of foreign reinsurance branches
36ANNUAL REPORT 2017-18
increased to `2570.35 crore as on 31st March 2018 certain changes have been taken place in regulatory
from `1117.81 crore as on 31st March 2017. environment such as, enactment of Insurance Laws
(Amendment) Act, 2015, and notification of many
I.3.66 Out of all 9 foreign reinsurance branches in
new regulations and guidelines by the Authority.
India, 3 has reported profit after tax while remaining
Therefore, a need was felt to develop a new exposure
6 has reported loss in year 2017-18. Swiss Re has
draft taking into consideration, the feedback of
reported profit after tax of `60.96 crores while Axa
stakeholders on previous draft. Accordingly, new
France and Lloyd’s has reported a profit after tax of
exposure draft i.e., IRDAI (Protection of
`7.67 and `1.69 crore respectively. Overall, total loss
Policyholders’ Interests) Regulations, 2017 was
of all 9 foreign reinsurance branches was `323.03
developed and placed in Authority’s website seeking
crores.
comments of stakeholders, the comments received
I.4 REVIEW were considered and the draft was placed before
IAC. Upon factoring the changes suggested by IAC,
I.4.1 PROTECTION OF INTERESTS OF
draft was finalised and placed before Board for
POLICYHOLDERS
approval. The changes suggested by Board were
I.4.1.1 Protection of policyholders’ interests incorporated and the draft was notified on
regulations: - The basic framework for protection 26.07.2017.
of policyholders’ interests is contained in the IRDA
The IRDAI (Protection of Policyholders’ Interests)
(Protection of policyholder’s Interests) Regulations
Regulations, 2017 contain frame work for insurers,
2002. There have been several changes that have
intermediaries and agents on procedures to be
come about after 2002 which include introduction
followed at point of sale, proposal stage and policy
of new categories of insurance intermediaries like
issuance stage. The Regulations prescribe insurers
brokers, web-aggregators Insurance Marketing
to have in place a Board approved policy for
Firms (IMF) etc. The channels of grievance
protection of policyholders’ interests which shall
redressal have also increased with the introduction
include enhancing Insurance awareness, defining
of IGMS, IRDAI Grievance Call Centre etc. The
service parameters, turnaround times, procedure for
increasing complaints of alleged mis-selling of life
expeditious resolution of complaints, steps to prevent
insurance policies, delay in settlement of claims of
mis-selling and un fair business practices and steps
general insurance, introduction of technology in the
taken to ensure proper information flow to prospects.
process of sourcing, sale and servicing of products
The regulations also prescribe insurers to pay
necessitate a commensurate change in the
interest on delayed settlement of insurance claims.
regulatory framework for better policyholder
protection. Therefore, the need to examine the 2002 I.4.1.2 Spurious calls: Spurious calls in the name
regulations in line with changing times was felt of officials of IRDAI and other financial institutions
necessary. And as such IRDAI has issued draft IRDA is a matter of concern for the Insurance Industry.
(Protection of Policyholders’ Interests) Regulations, IRDAI has issued several public notices, press
2014 and invited comments of stake holders. In releases, advertisements in leading TV Channels,
response, the Authority has received voluminous newspapers, and also issued directions to Insurance
comments from various stakeholders. Subsequently Companies to caution public against spurious calls
37ANNUAL REPORT 2017-18
etc., at various touch points and in media as well. In I.4.1.5 Insurance is a subject matter of solicitation
order to ensure that all the complaints under mis- and authorized persons or institutions are only to
selling and spurious calls are handled as per the be involved in soliciting insurance. In order to ensure
laid down policy of the Insurers in all cases, all the that only authorized persons or institutions engage
life insurers were advised to draw out a company in prospecting and sale of insurance products, IRDAI
specific policy on handling complaints on mis-selling has issued regulations for licensing. These
and spurious calls. regulations include IRDAI (Appointment of Insurance
Agents) Regulations, 2016 for individual insurance
All the life insurers have drawn their own company
agents; IRDAI (Registration of Corporate Agents)
specific policy and submitted the same to the
Regulations, 2015 for corporate agents; IRDAI
Authority.
Insurance Brokers) Regulations, 2018 for insurance
Motor Accident Claim Tribunals (MACT) and brokers; IRDAI (Web Aggregators) Regulations,
Insurance Ombudsman Order 2017 for web aggregators; and IRDAI (Registration
of Insurance Marketing Firm) Regulations, 2015 for
1.4.1.3 The Authority has issued Circular Ref: IRDA/
Insurance Marketing Firms. These regulations
CAD/CIR/MISC/194/11/2015 dated 03.11.2015
mandate compliance of the agents, corporate
advising insurers to comply with the orders of MACT
agents, brokers, web aggregators and IMFs with the
(Motor Accident Claim Tribunal) and Insurance
code of conduct stipulated therein to ensure that
Ombudsman as per time lines specified in the orders
the persons soliciting insurance business should be
or within 60 days of receipt of the order/award by
eligible persons and that they disseminate the
insurer in cases where no time limit is specified in
requisite information in respect of insurance products
the order. If the insurer chooses to prefer an appeal
offered for sale, understand the policy being sold
against the order, such appeal against the order shall
and should be capable of making suitable advice
be preferred within the stipulated time limit as per
based on the customer needs so that the policy
applicable rules and the customer should be
offered / sold meets the requirements of the
informed accordingly.
prospect. They are also required to provide after
Initiatives towards policyholders protection sales service like renewal, assistance to
beneficiaries in documentation when a claim arises.
I.4.1.4 IRDA (Advertisement and Disclosure)
Regulations, 2000 and other guidelines relating to I.4.1.6 With the increasing recourse taken by
advertisements are aimed at ensuring that any insurers, corporate agents and brokers solicit
communication (including that on the internet) which policies (including lead generation) through tele-
directly or indirectly results in eventual sale or calling, SMS, email, internet, DTH, postal mail and
solicitation of policy should not be unfair or other modes which do not involve communication
misleading but should contain fair information about in person as well as requests from clients seeking
the product on offer so that the customer can take information and sale of insurance products in
an informed decision about choosing the insurance distance mode; IRDAI issued Distance Marketing
product according to his need. Guidelines. The requirements to be complied with
38ANNUAL REPORT 2017-18
at the time of offer, negotiation and conclusion of procedure for critical illness, pre-authorization and
sale are aimed at affording protection to prospects claim form, list of excluded expenses in
and policyholders taking recourse to distance hospitalization benefit to policies, file and use
marketing channels. application, customer information sheet and
agreement between Insurer & Third party
I.4.1.7 Since the benefit of insurance can be reaped
Administrator and Insurer & Provider (Hospital).
only if appropriate products are sold; IRDAI has
These guidelines prevent ambiguity and ensure
issued guidelines on File and Use of products both
greater consistency in interpretation, which is in the
in life and general insurance sectors. In terms of
general interest of policyholders.
these guidelines every insurer is required to seek
approval of products by making an application to I.4.1.10 The institution of Insurance Ombudsman
IRDAI. Along with the application, the insurer should functioning under the Insurance Ombudsman Rules,
furnish specimen policy bond, specimen proposal 2017 serves as a simple, inexpensive and
forms, specimen sales literature and statement of expeditious conciliatory and adjudicatory
financial projections. Similar procedure has to be mechanism for settlement of complaints up to
followed for change in terms and conditions. Even monetary value of `30 lakhs, on certain grounds
in case, an insurer wants to withdraw a product, it relating to personal lines of insurance. The
can do so, only after informing IRDAI and giving Appointing Authority of Insurance Ombudsman is a
reasons for withdrawal. These guidelines ensure that selection committee is chaired by Chairman of
only approved products are sold to public. IRDAI.
I.4.1.8 The IRDA (Non-Linked Product) Regulations I.4.1.11 Thus, Protection of policyholders’ interest
2013 and IRDA (Linked Product) Regulations 2013 Regulations, 2017 and the above measures are
governing non-linked and linked life insurance complementary to other regulatory requirements of
products respectively are aimed at ensuring entry point norms, registration, maintenance of
consistency in terms of products and features offered solvency margins, investment norms, and public
by the insurers and bringing in transparency in terms disclosures etc. and supervisory mechanisms like
of benefit payouts thereby enabling the customers on-site inspection and off-site monitoring through
to choose the right policy. regulatory returns, market intelligence, audit etc.
I.4.1.9 IRDAI (Health Insurance) Regulations 2016 Grievance Redressal and Consumer Education
lay greater emphasis on features of the product,
I.4.1.12 The IRDAI facilitates resolution of
standard declaration in the proposal form, greater
policyholder grievances by monitoring the insurers’
transparency and disclosures in sales literature and
policy of Grievance redressal and takes several
disclosures on the web portals to disseminate
initiatives towards protecting the interests of the
suitable information for decision making, etc. The
Insurance consumers. Grievance Redressal
guidelines on standardization in health insurance
procedure prescribed in the IRDAI (protection of
provide standardization of several aspects in health
policyholders’ interests) Regulations,2017, mandate
insurance such as definitions for commonly used
that all the insurers to have in place a grievance
terms in health policies, nomenclature and
redressal policy, designate a Grievance Redressal
39ANNUAL REPORT 2017-18
Officer at Head Office/Corporate Office/Principal through review/reexamination by taking up the
Office and at every other office. The insurers shall matter with the respective insurance companies.
also constitute a policyholder protection committee
1.4.1.15 The IRDAI also acts as a nodal agency to
in accordance with the corporate governance
facilitate resolution to the complaints registered in
guidelines for receiving and analyzing reports
Government Portals such as CPGRAMS, INGRAM
relating to grievances.
and also implements all the directions of
I.4.1.13 In addition to the various measures aimed Government in the matters relating to effective
at protecting the interests of insurance customers grievance redressal.
as indicated above, if there is a cause for complaint
I.4.1.16 The IRDAI is also actively engaged in
regarding deficiency of service by an insurer, a
consumer education with a view to spread insurance
system for expeditious resolution is imperative. In
awareness. Insurance, being a complex financial
order to facilitate customers to reach the insurers
product, requires special knowledge to understand
for redressal of their grievances, IRDAI has provided
the nature of insurance products on offer, their utility,
various channels for customers to raise their
the terms and conditions. The consumer education
grievances against insurers. These include
initiatives of IRDAI are aimed at ensuring that the
Integrated Grievance Management System (IGMS)
consumer identifies his needs, understands the
and a toll free grievance call center (155255). The
insurance products and the risks involved therewith,
Grievance Call Centre (IGCC) of IRDAI receives
so that he takes an informed decision while
complaints through a toll free telephone number &
purchasing insurance. Insurance awareness
by email and registers complaints apart from
campaigns by IRDAI are carried out through all
furnishing the status of the resolution. The Integrated
possible channels including print and electronic
Grievance Management System (IGMS) is not only
media viz. newspaper-ads and publication of
a gateway for registering and tracking grievances
handbooks/comic books, radio/television, internet,
online but also act as an industry-wide grievance
seminars, social websites like You tube, face book,
repository for IRDAI to monitor disposal of
twitter etc. The consumer education website,
grievances by insurers.
www.policyholder.gov.in hosts a lot of insurance
I.4.1.14 The IRDAI receives complaints on insurers related information of interest to the public in simple
from prospects and policyholders; and takes up language. In order to enhance the reach of the
these grievances with insurers through IGMS for material, IRDAI has launched a Hindi site and also
resolution. Prospects and policyholders are advised prepared the books in major regional languages so
to first file their complaints with the respective that the information can be made available to the
insurance companies. If the insurance companies people across the country in the language of their
do not attend to the complaints within the stipulated choice. IRDAI is focusing now on the distribution of
time of 15 days or the complainant is not satisfied the material developed for which IRDAI is
with the resolution, he/she may escalate the collaborating with the insurance industry, other
complaint to IRDAI. IRDAI facilitates resolution regulatory bodies, Financial Literacy Centers,
Common Service Centers etc., and using all
40ANNUAL REPORT 2017-18
available alternative channels used to reach people TABLE I.45
across the nation for spreading insurance ACTIVITIES UNDERTAKEN AND AMOUNT
SPENT - INSURANCE LITERACY &
awareness, thereby creating the demand push for
CONSUMER AWARENESS INITATIVES OF IRDAI
enhancing the levels of insurance inclusion. IRDAI
Sl. Particulars Budget spent for the
is also an active participant in implementing the
No. F.Y. 2017-18 (in `lakh)
National Strategy on Financial Education by working
1 Print Media 662
with other financial sector regulators towards
2 Electronic Media
imparting financial literacy from early stages of one’s (TV and Radio) 2617
life. 3 IT (Maintenance of
Consumer Education
Insurance literacy and consumer awareness Website and up-dating) 5
initiatives of IRDAI 4 Research work 10
5 NCFE Expenses
I.4.1.17 The mandate for IRDAI has been protection
(Contribution for
of interests of insurance policyholders and orderly implementation of NSFE) 123
growth of the insurance sector in India. In furthering
Total 3417
this mandate, IRDAI has been engaged in spreading
1. Radio Campaign: IRDAI has developed six
financial literacy, particularly insurance specific
jingles on different concepts listed below in four
awareness among the citizens of India. IRDAI has
languages (Hindi, Tamil, Telugu and Kannada). The
been making efforts to equip the existing and the
themes revolved around educating public on the
prospective policyholders with reasonable
need for insurance, caution on mis-selling, timely
understanding of his/her insurance needs and
renewal of insurance policy, etc. The concepts are
adequacy of risk coverage and the necessary
as under:
awareness to choose an insurance product suited
to those needs. (i) Life Insurance
(ii) Home Insurance
Towards creating this awareness, the IRDAI’s
(iii) Health Insurance
Publicity and Consumer Education Strategy for
(iv) Motor Insurance
2017-18 envisages to explore new concepts and
(v) Renewal of Insurance Policy
themes with special focus on usage of various
(vi) Mis-selling of Insurance.
channels including radio and print campaigns.
Accordingly, IRDAI has undertaken the following These jingles were broadcast on All India Radio and
Consumer Education initiatives and has spent an on six other private FM Channels. The broadcasts
were planned in such a way so as to have maximum
amount of `34.17 crore towards these initiatives
reach and create maximum impact on general
during the FY 2017-18. A detailed break-up of
public.
activities undertaken and amount spent is given in
the Table I.45.
2. Role as a Core Committee Member of NCFE:
IRDAI continued to play an active role as a Member
of the Core Committee of the National Centre for
41ANNUAL REPORT 2017-18
Financial Education (NCFE), an institution the deficiency within a specified period not exceeding
comprising representatives from all the financial six months.
sector regulators in India with an aim to implement
At the end of March 2018, All 24 life insurers
the National Strategy for Financial Education
complied with the stipulated solvency ratio of 1.5.
(NSFE). IRDAI contributed `1.23 crore to NCFE
towards its share during the FY 2017-18. General and Health Insurers
3. IRDAI Research Grant Scheme: IRDAI sponsors I.4.2.2 As at 31st March 2018, all 27 private sector
proposals under the Research Grant Scheme, which general insurers (including the standalone health
provides opportunities for research in the field of insurers) have complied with the stipulated Solvency
Insurance. In the FY 2017-18, two research projects Ratio of 1.50.
were sponsored under the scheme.
During the year 2017-18, the Authority, given the
I.4.2 MAINTENANCE OF SOLVENCY MARGINS size of agriculture insurance, has recognized
OF INSURERS agriculture insurance as a separate segment with a
factor of 0.50. It will bring down the capital required
Every insurer is required to maintain a Required
for agricultural insurance business.
Solvency Margin as per Section 64VA of the
Insurance Act, 1938. Every insurer shall maintain During the year 2016-17, the Authority had granted
an excess of the value of assets over the amount of dispensation to National Insurance Co. Ltd., United
liabilities of not less than an amount stipulated by India Insurance Co. Ltd. and Oriental Insurance Co.
the IRDAI, which is referred to as a Required Ltd. to amortize Motor TP Liability on straight line
Solvency Margin. The IRDAI (Assets, Liabilities and basis over a period of 3 years commencing from
Solvency Margin of Life Insurance Business) 2016-17. However, Oriental Insurance Co. Ltd had
Regulations, 2016 and the IRDAI (Assets, Liabilities accounted for the entire liability of Motor TP in the
and Solvency Margin of General Insurance year 2016-17.
Business) Regulations, 2016 describe in detail the
During the year 2017-18, the Authority had granted
method of computation of the Required Solvency
dispensation to National Insurance Co. Ltd, to
Margin.
amortize remaining entire Motor TP Liability in the
Life Insurers year 2017-18 and to consider 100% of Fair Value
Change Account for solvency purpose.
I.4.2.1 In the case of life insurers, the minimum
Required Solvency Margin is rupees fifty crore The Authority granted dispensation to United India
(rupees one hundred crore in the case of reinsurer) Insurance Co. Ltd and Oriental Insurance Co. Ltd to
and arrived at in the manner specified by the consider 20% and 30%, respectively, of Fair Value
Authority. The Insurance Laws (Amendment) Act, Change Account for solvency purpose.
2015 specifies a level of solvency margin known as
All four insurers, with the above dispensation, have
control level of solvency, on the breach of which,
complied with the stipulated Solvency Ratio of 1.50
the Authority shall direct the insurer to submit a
as at 31st March, 2018.
financial plan indicating a plan of action to correct
42ANNUAL REPORT 2017-18
I.4.2.3 As at 31st March, 2018, the specialized comprehensive and efficient re-insurance program
insurers, i.e. AIC and ECGC reported a solvency with major objectives of maximizing retention within
ratio of 2.04 and 9.86 respectively as against 1.84 the country, developing adequate capacity and
and 8.69 as at 31st March, 2017. securing best possible reinsurance protection. The
regulations stipulate that every insurer shall obtain
Reinsurers
the approval of its Board for its reinsurance program.
I.4.2.4 The national re-insurer, General Insurance The regulatory framework also provides for filing of
Corporation of India, reported a solvency ratio of the reinsurance program for the next financial year
1.70 as on 31st March, 2018 (2.40 as on 31st March, with the Authority at least 45 days before the
2017), whereas the private reinsurer, ITI Re reported commencement of the said year. The insurers are
a solvency ratio of 5.25 as on 31st March, 2018 (4.10 further required to file the treaty slips or cover notes
as on 31st March 2017). relating to the reinsurance arrangements with the
Authority within 30 days of the commencement of
All foreign reinsurance branches, except RGA, has
the financial year. It is worth mentioning here that
solvency margin above 1.50 as on 31st March 2018.
the solvency position of an insurance company is
RGA has the solvency margin of 1.20 as on 31st
assessed on a “net of re-insurance” basis.
March 2018.
I.4.3.4 The Insurance Law (Amendment) Act, 2015
I.4.3 Monitoring of Re-insurance
has allowed Foreign Reinsurers and the Society of
I.4.3.1 The mandate to the Authority in respect of Lloyd’s to open their Branches in India to transact
reinsurance lies in the provisions of Section 14(1) reinsurance business in India. In addition, Authority
and 14(2) Sub Section (f) of the IRDA Act, 1999 as has also allowed insurers to open their offices in
well as Sections 2 (9) d, 34F, 101A, 101B and 101C International Financial Services Centre, Gujarat-SEZ
of the Insurance Act, 1938. The Authority has framed for transacting reinsurance business.
regulations pertaining to re-insurance matters of
I.4.3.5 Reinsurance placements with foreign
both life and general insurers which lay down the
reinsurers are made by direct insurers after taking
ground rules for transacting re-insurance business.
into consideration the Reinsurer’s Credit rating,
I.4.3.2 Under the provisions of the Insurance Act, Claims experience, Claims paying ability, solvency
1938, the Authority after considering the margin etc. However, limits on the total reinsurance
recommendations of the Reinsurance Advisory which an insurer could place with a Cross Border
Committee and prior approval of Central Reinsurer are stipulated under the regulations.
Government notifies the percentage and terms & Further, in respect of reinsurance of Catastrophe
conditions of obligatory cession every year. This risks, all insurers/reinsurers are mandated to ensure
notification is applicable to all insurers transacting that the reinsurance arrangements in respect of
General Insurance business and all stand-alone catastrophe accumulations, using various realistic
Health Insurers. disaster scenario testing, are adequate and
approved by their Board of Directors before filing
I.4.3.3 The Authority has notified the Reinsurance
the same with the Authority along-with their
Regulations applicable to General Insurers in 2016.
reinsurance program.
The regulations require every insurer to have a
43ANNUAL REPORT 2017-18
Cross Border Reinsurers I.4.3.8 Obligatory Cession to Indian Reinsurer/
s: Act provisions
I.4.3.6 The Authority, under Section 14 of the
Insurance Act, 1938 has issued guidelines on “Cross a) Section 101 A of the Insurance Act 1938
Border Reinsurer”. These guidelines were effective stipulates that every insurer shall reinsure with
from April 1st, 2016, which supersede the earlier the Indian reinsurer/s such percentage of the
guidelines issued on January 6th 2012. The sum insured on each general insurance policy
guidelines are applicable to those “Cross Border as may be specified by the Authority (which is
Reinsurers” (CBR) who do not have any physical called as ‘obligatory cessions’ or ‘statutory
presence in India but carry on reinsurance business cessions’), with the previous approval of the
with Indian Insurance Companies. Central Government, after consultation with the
Reinsurance Advisory Committee constituted
I.4.3.7 The Authority vide these guidelines
under section 101B of the Act.
discontinued the existing practice of annual allotment
of UIN to the cross border reinsurers. However, the b) The Insurance Act also provides that Authority
cross border reinsurer has to submit an information may by notification specify the percentages of
sheet to the Authority, through an insurer, every year. the sum insured on each policy to be reinsured
No placements can be done with a CBR which is with the Indian reinsurer and different
not allotted a UIN through IRDAI Portal. In terms of percentages may be specified for different
the regulations the cross border reinsurer should classes of insurance provided that no
have a credit rating of at least BBB with S&P or percentage so specified shall exceed 30 per
equivalent international rating agency for a period cent of the sum insured on such policy.
of past three continuous years and should have a
c) Section 101A (4) provides that a notification
satisfactory past claims performance. The reinsurer
under sub-section (2) of Section 101A of the
should be a legal entity in its home country and is
Insurance Act, 1938 may also specify the terms
regulated by its home country supervisor. The
and conditions in respect of any business of
solvency of the reinsurer should not be lower than
re-insurance required to be transacted under
standards prescribed by the home country regulator/
this section and such terms and conditions shall
supervisor, which monitors financial strength, quality
be binding on Indian re-insurers and other
of the management and adequacy of technical
insurers.
reserving methodologies. Authority after examining
the fulfilment of eligibility criteria may provide a I.4.3.9 Obligatory Cession to Indian Reinsurer/s
Unique Identification Number (UIN), valid for one for 2017-18
financial year enabling the foreign reinsurer to
1. The percentage of the sum insured on each
transact reinsurance business with Indian Insurers/
General Insurance policy to be reinsured with
Reinsurers. It is also required that the country of
the Indian Reinsurer as notified is 5% in respect
the reinsurer should have signed Double Taxation
of insurances attaching during the year 1st April
Avoidance Agreement with Govt. of India. Authority
2017 to 31st March 2018.
has issued 362 UINs in the FY 2016-17 and 367
UINs in the FY 2017-18.
44ANNUAL REPORT 2017-18
2. The rate of obligatory cession is maintained at The Authority has granted Certificate of Registration
5% since 2013-14. (CoR) to two Foreign Reinsurer’s Branches in the
FY 2017-18 namely Gen Re, Germany and Axa
I.4.3.10 Indian Reinsurers
Vie, France. As on 31st March 2018, a total 11
There are two Indian Reinsurers as of now which numbers of Reinsurers (including FRBs and Lloyd’s
are registered with the Authority, namely GIC Re Syndicates) were granted Certificate of Registration
and ITI Re. ITI Re is yet to commence its business (CoR) to transact reinsurance business in India.
operations. GIC Re has been providing re-insurance
Further, The Authority has allowed GIC Re and The
support to Direct Insurance Companies in India and
New India Assurance Co Ltd and ECGC Ltd. to open
foreign insurers/re-insurers. The Corporation’s
their Offices in IFSC-SEZ, Gujarat.
reinsurance program has been designed to meet
the objectives of optimizing retention within the TABLE I.46
NET RETENTIONS
country, ensuring coverage for exposure and
(INDIAN REINSURERS)* 2017-18
developing adequate capacities within the domestic
market. It is also managing the Nuclear Pool and Line of Business Domestic Foreign
Business % Business %
Terrorism Pool. GIC Re receives statutory cessions
Fire 59.4 90.1
on each and every policy issued by domestic general
Marine Cargo 85 71.9
insurers subject to certain limits and leads most of
Marine Hull 70.9 84.8
the treaty programs and facultative programs of Engineering 95.1 100
Aviation 69.2 86
these companies.
Motor 100 100
Misc 91.7 99.2
GIC Re reported that the total net premium written
Life 85.7 100
by it during 2017-18 has increased by 24.72 per
cent to `37634.46 crores as compared to `30174.56 Total 88.9 92.8
crores in 2016-17. The net earned premium of the Note: *All the figures mentioned belongs to GIC Re
reinsurer (the net premium after adjustments for
Reserve for Unexpired Risks) during 2017-18 I.4.3.11 Insurance Pools - Terrorism Pool
increased (by 42.60 percent) to `38096.05 crores
The Indian Market Terrorism Risk Insurance Pool
from `26714.90 crores in 2016-17. The net incurred
was formed with the initiative of all general insurance
claims ratio of GIC Re was 86.50 percent in year
companies in India in April 2002, after terrorism
2017-18 as against 81.02 percent in 2016-17.
cover was withdrawn by international reinsurers post
The company booked a net profit (after tax) of 9/11 incident. The Pool has thus completed 16 years
`3233.59 crores in 2017-18 as against a net profit of successful operation. All Indian general insurance
(after tax) of `3127.67 crores in 2016-17. companies, State Government of Gujarat and GIC
Re are members of the Pool. The Pool is
GIC Re reported a solvency ratio of 1.72 as on 31st
administered by GIC Re. The Pool is applicable to
March, 2018 as against 2.40 as on March 31, 2017.
insurance of terrorism risk covered under property
ITI Re has not done any business during FY 2017-
insurance policies, including cover to dwellings and
18,
fixed assets in multiple locations.
45ANNUAL REPORT 2017-18
The limit of indemnity per location has been I.4.3.12 Insurance Pools - Nuclear Pool
enhanced to `2000 crore w.e.f. 1st April 2017, from
The enactment of Civil Liability for Nuclear Damage
`1500 crore.
Act, 2010 mandates protection of unknown and
The Pool’s premium income for 2017-18 is `516.18 potentially catastrophic risk arising out of nuclear
crore as against to `503.67 crore in 2016-17. The event. Generally, nuclear perils are excluded from
claims paid by the Pool during 2017-18 are `22.26 conventional insurance covers as it requires a large
crore. No major losses are reported to the Pool insurance capacity. Therefore, to protect the liability
during 2017-18. arising out of nuclear perils, Indian Nuclear
Insurance Pool (INIP) was formed in 2015.
TABLE I.47
MEMBERS’ SHARE IN INDIAN MARKET TERRORISM RISK INSURANCE POOL
(` crore)
Sl. 2016-17 2017-18
No Member Company Per risk Share Per risk Share
Capacity (in %) Capacity (in %)
1 General Insurance Corporation of India 237.62 15.84% 336.06 16.80%
2 The New India Assurance Co. Ltd. 237.62 15.84% 336.06 16.80%
3 United India Insurance Co. Ltd. 188.87 12.59% 251.82 12.59%
4 The Oriental Insurance Co. Ltd. 178.22 11.88% 240.00 12.00%
5 ICICI Lombard General Insurance Co. Ltd. 118.82 7.92% 166.91 8.35%
6 Bajaj Allianz General Insurance Co. Ltd. 74.64 4.98% 107.04 5.35%
7 IFFCO-Tokio General Insurance Co. Ltd. 59.40 3.96% 79.20 3.96%
8 Reliance General Insurance Co. Ltd. 29.70 1.98% 40.00 2.00%
9 Cholamandalam General Insurance Co. Ltd. 29.51 1.97% 39.34 1.97%
10 Tata-AIG General Insurance Co. Ltd. 23.76 1.58% 31.68 1.58%
11 Future Generali General Insurance Co. Ltd. 15.00 1.00% 28.36 1.42%
12 Royal Sundaram Alliance Insurance Co. Ltd. 15.00 1.00% 27.92 1.40%
13 Liberty Videocon General Insurance Co. Ltd. 15.11 1.01% 20.96 1.05%
14 National Insurance Co. Ltd. 170.72 11.38% 177.62 8.88%
15 Govt. Insurance Fund, Gujarat 15.00 1.00% 20.00 1.00%
16 Shriram General Insurance Co. Ltd. 15.00 1.00% 20.00 1.00%
17 SBI General Insurance Co. Ltd. 5.00 0.33% 15.62 0.78%
18 Bharti AXA General Insurance Co. Ltd. 15.11 1.01% 15.11 0.76%
19 HDFC Ergo General Insurance Co. Ltd. 15.11 1.01% 15.00 0.75%
20 Magma HDI General Insurance Co. LTd. 7.50 0.50% 10.32 0.52%
21 Kotak Mahindra General Insurance Co. Ltd. 7.50 0.50% 10.00 0.50%
22 Universal Sompo General Insurance Co. Ltd. 9.99 0.67% 10.00 0.50%
23 Raheja QBE General Insurance Co. Ltd. 0.75 0.05% 1.00 0.05%
24 L & T General Insurance Co. Ltd. 15.11 1.01% Merged with HDFC Ergo
Total 1500.00 100% 2000.00 100%
46ANNUAL REPORT 2017-18
This pool is also managed by GIC Re with an I.4.3.13 India as a Global Reinsurance Hub
indemnity limit of `1500 crore, per location. The pool
With low insurance penetration levels on the one
will provide coverage to nuclear operators in the
hand and high vulnerability for natural catastrophes
country and also to nuclear suppliers.
on the other, the Indian insurance industry has ample
The pools premium income for 2017-18 is `100.00 scope to expand aggressively and inclusively, to
crore, which is same as the premium income in enable India’s growth as a global reinsurance hub.
2016-17. No claim has been paid by the pool during
The General Insurance Corporation of India (GIC
the year 2017-18.
Re) established in 1972 as a wholly owned company
TABLE I.48
of the Government of India, is the dominant player
MEMBERS’ SHARE IN INDIAN NUCLEAR
in the country. Numerous regulatory changes in the
INSURANCE POOL
recent past have paved the way for the entry of new
(` crore)
entities like Lloyd’s India and Foreign Reinsurers’
Sl. Name of the Company Capacity
Branches (namely Swiss Re, Munich Re, SCOR SE,
No. Provided
RGA, Hannover Re, XL Catlin, Gen Re etc). These
1 GIC Re 600.00
branches are required to maintain a minimum
2 New India Assurance 300.00
retention of 50% of Indian business. ITI Re, which
3 United India Insurance 200.00
has been granted license to carry out reinsurance
4 Oriental Insurance 100.00
business in the country, is the second Indian
5 National Insurance 100.00
Reinsurer.
6 ICICI Lombard 100.00
7 Reliance General Insurance 20.00 The Indian reinsurance sector now has a good
8 Tata AIG General Insurance 20.00 number of players to promote a healthy and
9 IFFCO Tokio General Insurance 20.00 competitive market for reinsurance. In addition to
10 Cholamandalam General Insurance 15.00 these domestically regulated entities, there are
11 SBI General Insurance 15.00 several Cross Border Reinsurers (more than 360 in
12 Universal Sompo General Insurance 10.00
number, including Lloyd’s Syndicates) participating
Total 1500.00 in the Indian reinsurance market. With the increase
in the number of international reinsurers opening
The New India Assurance Co Ltd has filed two
their branches in India, it is expected that the
products named Nuclear Supplier’s Insurance Policy
capacity will increase which will result in to the
and Nuclear Operators Liability (Act only) Insurance
establishment of a reinsurance hub in India in near
Policy, which are approved by the Authority.
future.
TABLE I.49
GROSS PREMIUM OF REINSURERS
(` crore)
Reinsurer Gross RI Premium Gross RI Premium Total RI Premium
Income Income Income (Indian &
(Indian Business) (Foreign Business) Foreign businesses)
GIC Re 29812.91 11986.46 41799.37
FRB/Lloyd’s 5996.40 22.45 6018.85
Total 35809.31 12008.91 47818.22
47ANNUAL REPORT 2017-18
TABLE I.50
BUSINESS FIGURES OF RE-INSURANCE ENTITIES 2017-18
(` crore)
Reinsurer Gross RI Premium Gross RI Premium Total RI Premium
Income Income Income (Indian &
(Indian Business) (Foreign Business) Foreign businesses)
GIC Re 29812.91 11986.46 41799.37
Swiss Re 2114.00 3.00 2117.00
Munich Re 1287.35 19.45 1306.80
SCOR 1189.82 0.00 1189.82
Hannover 570.63 0.00 570.63
Axa Vie 515.00 0.00 515.00
XL Cat 177.33 0.00 177.33
Gen Re 67.34 0.00 67.34
RGA 48.92 0.00 48.92
Amlin (Lloyd's) 26.00 0.00 26.00
ITI Re 0.00 0.00 0.00
Grand Total 35809.31 12008.91 47818.22
Multitude of factors favour India having a regional The extant reinsurance regulatory framework favour
reinsurance hub. Geographically, India is located in the creation of a reinsurance hub in India.
the heartland of South Asia and has conducive
The Authority, in view of the recent developments in
relationships with the Chinese and Middle Eastern
the reinsurance scenario in the country, has carried
markets. Economically, India is forging ahead as an
out a comprehensive review of the extant
emerging economy with enviable growth rate.
reinsurance framework in concurrence with the
Environmentally, the frequency and severity of
dynamic needs of the industry. The new architecture
natural catastrophes call for proactive and innovative
shall strive to act as a catalyst in India’s journey to
reinsurance mechanisms to mitigate the impact of
establish as a global reinsurance hub, in near future.
disasters. Finally, insurance inclusion and increase
in awareness will help in growth of direct business, TABLE I.51
which will enhance the reinsurance need and help NET RETENTION OF GENERAL INSURERS
AS A PERCENTAGE OF GROSS DIRECT
India becoming a regional reinsurance hub.
PREMIUM (INCLUDING INDIAN REINSURERS)
The development of IFSC GIFT City in Gujarat is (In percent)
also a step forward towards the creation of a Class 2017-18 2016-17
reinsurance hub. Many insurance and reinsurance Fire 57.14 57.03
firms have shown interest to set up their operations Marine Cargo 82.15 85.19
Marine Hull 37.23 20.03
in the GIFT City which demonstrate the potential of
Motor 98.99 97.02
GIFT City to compete and match with the global
Engineering 74.72 68.25
financial centres in Singapore, London, Tokyo and Aviation 38.97 27.85
other countries. Other Misc. 88.57 78.83
Total 90.37 83.17
48ANNUAL REPORT 2017-18
TABLE I.52
QUANTUM OF REINSURANCE BUSINESS PLACED BY GENERAL & HEALTH INSURERS WITHIN &
OUTSIDE INDIA AND AS A PERCENT OF GROSS DIRECT EARNED PREMIUM IN INDIA
(` crore)
Class 2017-18 2016-17
Amount of Percentage of Amount of Percentage of Amount of Percentage of Amount of Percentage of
Reinsurance Reinsurance Reinsurance Reinsurance Reinsurance Reinsurance Reinsurance Reinsurance
Premium placed Premium placed Premium placed Premium placed Premium placed Premium placed Premium placed Premium placed
within India within India Outside India Outside India within India within India Outside India Outside India
Fire 5104.32 50.42 2308.14 22.80 3221.04 36.83 2479.34 28.35
Marine Cargo 411.82 18.70 285.07 12.95 297.85 13.89 332.21 15.49
Marine Hull 229.97 46.45 196.88 39.77 997.11 54.27 684.88 37.28
Motor 6418.93 11.43 326.83 0.58 4939.95 10.50 734.78 1.56
Aviation 266.39 67.74 112.32 28.56 192.11 55.20 163.92 47.10
Engineering 715.23 33.75 497.91 23.49 708.73 31.16 607.77 26.72
Other Misc. 22539.74 33.18 5272.84 7.76 14780.41 24.99 7341.44 12.41
Total 35686.40 25.59 8999.98 6.45 25137.20 20.69 12344.33 10.16
TABLE I.53
NET RETAINED PREMIUM OF GENERAL & HEALTH INSURERS AS A PERCENT OF
GROSS DIRECT EARNED PREMIUM
(In percent)
Class 2017-18 2016-17
Public Sector Private Sector Total Public Sector Private Sector Total
Fire 45.59 6.72 26.77 60.72 25.47 44.40
Marine Cargo 83.06 57.32 68.35 83.04 63.12 72.35
Marine Hull 18.12 -0.37 13.78 11.57 10.26 11.48
Motor 87.71 88.24 87.99 89.23 87.00 88.04
Engineering 62.57 16.65 42.76 63.86 25.20 50.46
Aviation 1.96 8.41 3.70 9.59 54.91 21.54
Other Misc. 62.66 53.82 59.06 69.79 55.58 64.01
Total 70.09 65.49 67.95 73.92 67.19 70.86
1.4.4 MONITORING OF INVESTMENTS BY THE
TOTAL INVESTMENTS OF THE INSURANCE
INSURERS
SECTOR
1.4.4.1 Insurers have been mandated to follow the
1.4.4.2 As on 31st March 2018, the investments
Pattern of Investment, as required under IRDAI
made by the Insurance Industry stood at `3457989
(Investment) Regulations. Details of investments
crores as against of `3076537 crores as on 31st
as on 31.03.2018 along with previous year figures
March, 2017, registering an increase of 12.40
of Life, General Insurance Companies and other
percent. The share of Life insurers stands at 92.22
insurers are as given in Table 1.54
percent and the share of PSUs stands at 77.77
percent, the details of investments are provided in
Table I.54
49ANNUAL REPORT 2017-18
TABLE I.54
TOTAL INVESTMENTS OF THE INSURANCE SECTOR
(As on 31st MARCH)
(` crore)
SECTOR LIFE GENERAL,HEALTH AND TOTAL
RE-INSURANCE
2017 2018 2017 2018 2017 2018
Public 2275277 2526923 138964 162503 2414241 2689426
(13.25) (11.06) (13.38) (16.94) (13.26) (11.4)
Private 578917 662137 83379 106426 662296 768563
(17.44) (14.37) (27.17) (27.64) (18.58) (16.04)
Total 2854193 3189060 222344 268929 3076537 3457989
(14.07) (11.74) (18.19) (20.95) (14.36) (12.41)
Note: 1.Figures in brackets represent growth in percentage over the previous year
INVESTMENTS OF LIFE INSURERS crores (11.85 percent to total funds) from ULIP
products.
1.4.4.3 Funds of Life Insurers are split based on
Investments made out of traditional products and 1.4.4.4 The Investments made Category wise by life
ULIP products. The funds of life insurers as on 31st insurers as at 31st March 2018 and the
March 2018 was `3189060 crores, of which corresponding figures as at 31st March 2017 are
`2811119 crores (88.15 percent to total funds) is shown in Table 1.55:
from traditional products and balance of `377941
TABLE I.55
TOTAL INVESTMENTS OF LIFE INSURERS : CATEGORY-WISE
(As on 31st MARCH)
(` crore)
PATTERN OF INVESTMENTS 2017 2018
Amount Percentage Amount Percentage
Traditional Products
1 Central Govt. Securities 951214 38.44 1069623 38.05
2 State govt. and other approved securities 668430 27.01 792475 28.19
3 Housing & Infrastructure 200438 8.1 233327 8.3
4 Approved Investments 587576 23.75 642726 22.86
5 Other Investments 66694 2.7 72969 2.6
A. Total (1+2+3+4+5) 2474352 100 2811119 100
ULIP Funds
6 Approved Investments 361746 95.24 356608 94.36
7 Other Investments 18095 4.76 21333 5.64
B. Total (6+7) 379841 100 377941 100
GRAND TOTAL (A+B) 2854193 3189060
50ANNUAL REPORT 2017-18
1.4.4.5 Based on the method of classification of INVESTMENTS OF GENERAL INSURERS
funds, Life fund contributed `2137480 crores (67.03 (Including Health and Reinsurers)
percent to total funds), Pension and General Annuity
1.4.4.6 General Insurance Industry Investments
& Group fund `673639 crore (21.12 percent to total
share stands at 7.78 percent in total investments
funds) and ULIP fund `377941 crore (11.85 percent made by the insurance sector. The total amount of
to total funds) to total investments. During the investments made by the General Insurance
financial year 2017-18, the share of Pension/Annuity Industry was `268,929 crores as on 31st March 2018
fund and Life fund to total investments have gone as against `222,344 crore of the corresponding
up from 19.84 percent to 21.12 percent and from period of the previous year, registering an increase
66.85 percent to 67.03 percent respectively. The of 20.95 percent.
volume of Life and Pension/Annuity funds have
1.4.4.7 As on 31st March 2018, General insurers
increased by `229528 crores and `107239 crores
have invested `105,864 crores (39.36 percent) and
in FY 2017-18. The share of ULIP fund has slipped
`85,388 crores (31.75 percent) in Central, State &
from 13.31 percent to 11.85 percent. Other Approved Securities and Approved
Investments respectively. The Investments made
Category wise by General Insurers as at 31st March
2018 and the corresponding figures as at 31st March
2017 are shown in Table I.58.
TABLE I.56
INVESTMENTS OF LIFE INSURERS : FUND-WISE
(As on 31st March)
(` crore)
Insurer Life Fund Pension and Unit Linked Fund Total of all Funds
General Annuity &
Group Fund
2017 2018 2017 2018 2017 2018 2017 2018
LIC 1701866 1883018 502645 600374 70766 43530 2275277 2526923
Private 206087 254462 63754 73265 309075 334411 578916 662137
Total 1907953 2137480 566399 673639 379841 377941 2854193 3189060
(66.85) (67.02) (19.84) (21.12) (13.31) (11.86) (100.00) (100.00)
Note: Figures in brackets is percentage of respective funds to the total funds.
TABLE I.57
GROWTH OF INVESTMENTS: FUND-WISE
(As on 31st March)
(` crore)
Fund 2017 2018
Total Growth in % Total Growth in %
Life 1907953 12.4 2137480 12.03
Pension & General Annuity & Group Fund 566399 22.02 673639 18.93
Traditional (A) 2474352 14.47 2811119 13.61
Unit Linked Funds (B) 379841 11.58 377941 -0.50
Total (A+B) 2854193 14.07 3189060 11.73
51ANNUAL REPORT 2017-18
TABLE I.58
TOTAL INVESTMENTS OF GENERAL, HEALTH & Re- INSURERS : CATEGORY-WISE
(As on 31st March)
(` crore)
Pattern of Investments 2017 2018
Total percentage Total percentage
Central Govt. Securities 54754 24.63 69315 25.77
State govt. and other approved securities 28239 12.7 36549 13.59
Housing and Loans to State Govt
for Housing & FFE 23480 10.56 27554 10.25
Infrastructure Investments 38172 17.17 42322 15.74
Approved Investments 67903 30.54 85388 31.75
Other Investments 9796 4.41 7801 2.9
Total 222344 100 268929 100
Note : 1. Included Specialized Insurers and Branches of Foreign Re-insurers.
2. FFE : Fire Fighting Equipment
I.4.5 Health Insurance (HI) Business FY2016-17 to 21% in FY2017-18 and the share of
stand-alone health insurers in health insurance
Trend in Health Insurance Premium (excluding
premium has gone up from 18% in FY2016-17 to
Personal Accident and Travel Insurance
21% in FY2017-18.
Business)
Classification of Health Insurance Business
I.4.5.1 During the FY 2017-18, General & Health
Insurance Companies collected `37,029 crores as I.4.5.2 Health insurance business is classified into
Health Insurance Premium registering a growth of Government Sponsored Health Insurance, Group
21.8% over the previous FY 2016-17. Health Health Insurance (Other than Government
insurance premium continues to grow over 20% year Sponsored) and Individual Health Insurance. In
on year during the past three financial years. The terms of contribution of these 3 lines, the share of
four public sector general insurers continue to hold Group Business was the highest at 48%, followed
a larger market share at 58% during the FY 2017- by individual business (41%) and Government
18. However, the market-share of public sector Business (11%). In terms of amount of premium
insurers saw a decline from 63% in FY 2016-17. On collected, both individual and group businesses
the other hand, the share of private sector general (other than government schemes) have more than
insurers has increased marginally from 19% in doubled during the last five year period.
52ANNUAL REPORT 2017-18
TABLE I.59
TREND IN HEALTH INSURANCE PREMIUM OVER THE PAST FIVE YEARS
(EXCLUDING PA & TRAVEL INSURANCE BUSINESS) (` crore)
Sectors 2013-14 2014-15 2015-16 2016-17 2017-18
Public Sector General Insurers 10841 12882 15591 19227 21509
(62) (64) (64) (63) (58)
Private Sector General insurers 4482 4386 4911 5632 7689
(26) (22) (20) (19) (21)
Stand-alone Health Insurers 2172 2828 3946 5532 7831
(12) (14) (16) (18) (21)
Industry Total 17495 20096 24448 30392 37029
Annual Growth Rate (In %) 13% 15% 22% 24% 22%
Note: Figures in the bracket indicate the market-share in total HI Premium. The data does not include the details of health
insurance business carried-out in foreign countries.
TABLE I.60
CLASSIFICATION OF HEALTH INSURANCE PREMIUM
(EXCLUDING PA & TRAVEL INSURANCE BUSINESS)
(` crore)
Class of Business 2013-14 2014-15 2015-16 2016-17 2017-18
Government Business 2082 2425 2474 3090 3981
(12) (12) (10) (10) (11)
Group Business (Excl. Government Business) 8057 8898 11621 14718 17757
(46) (44) (48) (48) (48)
Individual Business 7355 8772 10353 12584 15291
(42) (44) (42) (41) (41)
Grand Total 17495 20096 CH2A4R44T8 I.20 30392 37029
SHARE OF VARIOUS CLASSES OF HEALTH
Note: Figures in bracket indicate the share of each class of business in total health insurance premium. The data does not
INSURANCE BUSINESS IN TOTAL PREMIUM
include the details of health insurance business carried-out in foreign countries.
Number of policies issued & Number of lives
CHART I.19
covered under Health insurance business
TREND IN HEALTH INSURANCE PREMIUM
(excluding Personal Accident and Travel
(EXCL. PA & TRAVEL INSURANCE BUSINESS)
Insurance Business):
30,000
I.4.5.3 During 2017-18, the General and Health
~
&
Insurance companies have issued around 1.47 crore 20,000
C
health insurance policies (excl. policies issued under .E§
~
PA & Travel Insurance) covering a total of 48.20 crore 0. 10,000
&
lives and registered a growth of 10% in number of ~ ! I
lives covered over the previous year. In terms of
2013-14 2014-15 2015-16 2016-17 2017-18
number of lives covered, three fourth of the lives
~ Public Sector ~ Private Sector -a-SAHi Insurers
were covered under Govt. Sponsored Health
53ANNUAL REPORT 2017-18
CHART I.20 CHART I.21
SHARE OF VARIOUS CLASSES OF NUMBER OF LIVES COVERED - SHARE OF
HEALTH INSURANCE BUSINESS DIFFERENT CLASSES OF
IN TOTAL PREMIUM BUSINESS IN TOTAL LIVES COVERED
100%
8% 6%
13%
100%
80%
80% 112% ~% 111%
f 60% i 60%
."c ."
c
"' "'
l 40% l
40%
20%
20%
0%
2013-14 2014-15 2015-16 2016-17 2017-18
0%
2013-14 2014-15 2015-16 2016-17 2017-18
■ Govt. Business ■ Group Business ■ Individual Business
■ Govt. Business ■ Group Business ■ Individual Business
TABLE I.61
NUMBER OF PERSONS COVERED UNDER HEALTH INSURANCE
(EXCLUDING PA & TRAVEL INSURANCE BUSINESS)
(in lakh)
Class of Business 2013-14 2014-15 2015-16 2016-17 2017-18
Government Business 1553 2143 2733 3350 3593
72% 74% 76% 77% 75%
Group Business (Excl. Government Business) 337 483 570 705 894
16% 17% 16% 16% 19%
Individual Business 272 254 287 320 333
13% 9% 8% 7% 6%
Grand Total 2162 2880 3590 4375 4820
Note: Figures in percentage indicate the share of each class of business in total number of lives covered. The data does not
include the detail of health insurance business carried-out in foreign countries.
Insurance schemes and the balance one fourth were compared to previous FY 2016-17. This is observed
covered by group & individual policies issued by in all three classes of business. The Net ICR of Group
general & Health Insurers. Business (Excl. Government Business) improved
from 125% in 2016-17 to 107% in 2017-18.
Trend in Net Incurred Claims Ratio under Health
insurance business (excluding Personal In terms of sector wise Net ICR, it has been observed
Accident and Travel Insurance Business): that there is improvement in net ICR reported under
Public Sector Insurers which improved from 122%
I.4.5.4 There is an improvement in Net Incurred
in 2016-17 to 108% in 2017-18.
Claims Ratio (ICR) during FY 2017-18 when
54ANNUAL REPORT 2017-18
TABLE I.62
CLASS OF BUSINESS-WISE - NET INCURRED CLAIMS RATIO UNDER HEALTH INSURANCE
(EXCLUDING PA & TRAVEL INSURANCE BUSINESS) (in percentage)
Class of Business 2013-14 2014-15 2015-16 2016-17 2017-18
Government Business 93 108 109 122 115
Group Business (Excl. Government Business) 110 116 120 125 107
Individual Business 83 81 77 76 71
Grand Total 97 101 102 106 94
number of lives covered under Government
CHART I.22 Sponsored Schemes namely Pradhan Mantri
NET INCURRED CLAIMS RATIO OF Suraksha Bima Yojana (PMSBY), Pradhan Mantri
HEALTH INSURANCE BUSINESS
Jan Dhan Yojana(PMJDY) and IRCTC Travel
(EXCL. PA & TRAVEL INSURANCE BUSINESS)
Insurance for e-ticket passengers.
130%
During 2017-18, the gross premium income from
~
i120% Personal Accident insurance business was `4584
C
~ 110% crores, with a growth rate of 24 percent over the
~
~ 100% previous year. While private sector general insurers
lol'.
90%
have contributed53 percent of total premium, public
sector general insurers contributed38percent of
premium and the rest 9 percent was contributed by
the stand-alone health insurers. The ICR for this line
2013-14 2014-15 2015-16 2016-17 2017-18
of business was 76 percent for FY 2017-18.
~ Govt. Business -t-Group Business ~ Individual Business
Personal Accident Business
I.4.5.5 During 2017-18, the insurance industry has
covered a total of 116.85 crore number of lives under
Personal Accident Insurance. It includes 91.83 crore
TABLE I.63
SECTOR WISE NET INCURRED CLAIMS RATIO UNDER HEALTH INSURANCE
(EXCLUDING PA & TRAVEL INSURANCE BUSINESS)
Sectors 2013-14 2014-15 2015-16 2016-17 2017-18
Public Sector General Insurers 106% 112% 117% 122% 108%
Private Sector General Insurers 87% 84% 81% 84% 80%
Stand-alone Health Insurers 67% 63% 58% 58% 62%
Industry Average 97% 101% 102% 106% 94%
55ANNUAL REPORT 2017-18
TABLE I.64
NUMBER OF PERSONS COVERED UNDER PERSONAL ACCIDENT
INSURANCE BUSINESS – SECTOR-WISE
(In lakh)
Sectors 2013-14 2014-15 2015-16 2016-17 2017-18
Public Sector General Insurers 753 764 3609 6423 6983
Private Sector General insurers 972 2437 826 2242 4619
Stand-alone Health Insurers 21 30 38 55 83
Total Industry 1746 3231 4473 8720 11685
Note: the data is inclusive of number of lives covered under IRCTC, PMSBY & PMJDY businesses. The data does not
include the details of PA business carried-out in foreign countries
TABLE I.65
covering 38.85 lakh lives. The gross premium income
NUMBER OF PERSONS COVERED AND
from Overseas Travel Insurance business for FY
GROSS DIRECT PREMIUM UNDER SPECIAL
GOVERNMENT SPONSORED 2017-18 was `643 crores. The Incurred Claims Ratio
SCHEMES 2017-18 (ICR) for this line of business was 41 percent for the
Schemes No. of persons Gross Direct FY 2017-18.
Covered Premium
(in lakh) (` lakh) In this line of business, private general insurers are
IRCTC# 3392 2446 the major players with a market share of 81 percent
PMJDY 4886 1349 in gross premium. Public sector general insurers
PMSBY 905 10855 and stand-alone health insurers had a share of 5%
Industry Total 9183 14650 and 14% respectively. Two-thirds of overseas travel
insurance premium was contributed by 3 insurers
Overseas Travel Insurance
namely Tata AIG (25 percent market share), ICICI
Lombard (21 percent) and Bajaj Allianz (17 percent).
I.4.5.6 During 2017-18, the insurance sector has
issued 25.51 lakh overseas travel insurance policies
TABLE I.66
SECTOR-WISE PERSONAL ACCIDENT INSURANCE PREMIUM
(` crore)
Sector 2013-14 2014-15 2015-16 2016-17 2017-18
Public Sector General Insurers 614 708 879 1508 1765
36% 33% 34% 41% 38%
Private Sector General insurers 1060 1351 1561 1918 2424
61% 63% 60% 52% 53%
Stand-alone Health Insurers 55 94 170 267 395
3% 4% 6% 7% 9%
Grand Total 1729 2153 2610 3693 4584
Note: Figures in percentage indicate the market share of different sectors in the total premium. The data does not include the
details of PA business carried-out in foreign countries.
56ANNUAL REPORT 2017-18
Domestic Travel Insurance
During 2017-18, the industry has issued 68 lakh
I.4.5.7 The gross premium income from domestic
insurance policies insuring 1.15 crore number of
travel insurance business was `61.67 crore during
lives. The ICR for this line of business was 18 percent
2017-18, registering a growth of 151 percent over
for FY 2017-18.
the previous year’s gross premium of `24.6 crore.
TABLE I.67
SECTOR-WISE OVERSEAS TRAVEL INSURANCE PREMIUM
(` crore)
Sectors 2013-14 2014-15 2015-16 2016-17 2017-18
Public Sector General Insurers 46 41 32 35 31
10% 9% 6% 6% 5%
Private Sector General insurers 393 403 467 486 523
86% 86% 87% 84% 81%
Stand-alone Health Insurers 18 21 37 59 89
4% 5% 7% 10% 14%
Grand Total 457 465 536 580 643
Note: Figures in the percentage indicate the market-share in total HI Premium. The data does not include the details of overseas
travel insurance business carried-out in foreign countries.
TABLE I.68
SECTOR-WISE DOMESTIC TRAVEL INSURANCE GROSS PREMIUM
(` crore)
Sector 2013-14 2014-15 2015-16 2016-17 2017-18
Public Sector General Insurers 0.03 0.01 0.002 0.0005 0
Private Sector General Insurers 12.32 16.05 21.8 24.59 61.46
Stand-alone Health Insurers 0 0 0 0.01 0.21
Grand Total 12.35 16.06 21.8 24.6 61.67
Health Insurance Business carried out in foreign PA and Travel Insurance Businesses) and have
countries covered a total number of 12.54 lakh lives. Amongst
these 3 insurers, New India Assurance alone
I.4.5.8 Only 3 public sector general insurers namely
contributed 84% of total health insurance premium
New India, National Insurance and Oriental
from foreign countries and covering 88% of total
Insurance carry-out health insurance business in
number of lives covered in foreign countries. The
foreign countries. During FY 2017-18, these three
ICR of this line of business carried out outside India
insurers have procured a total of `200.28 crore as
is 74% during 2017-18.
gross premium from health insurance business (incl.
57ANNUAL REPORT 2017-18
TABLE I.69
HEALTH INSURANCE BUSINESS* CARRIED OUT IN FOREIGN COUNTRIES 2017-18
(No of policies in actual) (No. of persons in '000)(Incurred Claims ratio in % age)( Amount in ` lakh)
Line of Business No. of No. of Gross Net Claims Incurred
policies Lives Premium Earned Incurred Claims
Issued Covered Premium (Net) Ratio (Net)
National 58 29 284 242 353 146
New India 14527 1104 16821 16354 13303 81
Oriental 3039 121 2923 2848 654 23
Public Total 17624 1254 20028 19444 14309 74
*The data is inclusive of business from Health PA & Travel Insurance Business
TABLE I.70
SHARE OF TOP 5 STATES IN HEALTH INSURANCE PREMIUM 2017-18
STATE /UT Total HI Business (Excl. PA & Travel insurance)
Amount in `Lakh Percentage share in All-India Premium
Maharashtra 1181235 32
Tamil Nadu 466874 12
Karnataka 365422 10
Delhi 297076 8
Gujarat 213325 6
Rest of India 1178930 32
All India Total 3702863 100
Note : Ranking of states is done on the basis of Total Health Insurance premium
The state level classification of business is reported based on business earmarked from a particular state.
State-wise distribution of Health Insurance
Business (Excluding Personal Accident and
CHART I.23 SHARE OF STATES
Travel Insurance Business) IN HEALTH INSURANCE PREMIUM 2017-18
I.4.5.9 While five states namely Maharashtra, Tamil
Nadu, Karnataka, Delhi UT and Gujarat contributed
68 percent of total health insurance premium, the
rest 31 States/UTs have contributed 32 percent of
the total Health insurance premium. The state of
Maharashtra alone contributed `11812.35 crores (32
percent) of total health insurance premium.
Channel wise distribution of Health insurance
premium (excluding Personal Accident& Travel
Insurance Business)
I.4.5.10 Amongst various channels for distribution
of health insurance policies, “Individual Agents”
58ANNUAL REPORT 2017-18
continue to contribute a major share in total health
CHART I.24
insurance premium at 30 percent. Their share in
CONTRIBUTION OF VARIOUS CHANNELS IN
Individual Health Insurance premium was still higher HEALTH INSURANCE PREMIUM
at 66 percent. (EXCL. PA & TRAVEL INSURANCE BUSINESS)
“Direct sales –other than online” is the second major
60%
channel for distribution of health insurance business.
This channel contributed 29 percent in total health
insurance premium. The share of this channel was ~ 40%
1
high at 35 percent in Group Health Insurance 30%
8
premium, after 69 percentage share in Gross
;; 20%
Premium from Government Business. j
110%
Third important channel for distribution of health
0% .._---~-
insurance business is Brokers, who contributed 25 Gov! Bus~esss Group Business lndiv~ual Business Tolal Business
percent of total health insurance premium. The share
■ Brokers ■Web-aggregators
of Brokers was high at 49 percent in group health ■ Direct Sale -Online ■ Corporate Agent -Other than Banks
insurance premium. ■ Micro-insurance Agents ■ Individual Agents
■ Corporate Agent -Banks ■Others
■ Direct Sale -Other than Online
“Bancassurance” channel contributed 8 percent of
total health insurance premium and “Online Sale”
channel contributed 1 percent of total health
insurance premium.
TABLE I.71
SHARE OF VARIOUS CHANNELS OF DISTRIBUTION - NUMBER OF POLICIES ISSUED AND
AMOUNT OF HI PREMIUM 2017-18 (Excl. PA AND TRAVEL INSURANCE)
Name of the Channel Govt. Business Group Business Individual Business Total
(excl. Govt Business)
No. of Gross No. of Gross No. of Gross No. of Gross
policies Premium policies Premium policies Premium policies Premium
Issued Issued Issued Issued
Brokers 0% 0% 7% 49% 3% 4% 4% 25%
Corporate Agent - Banks 0% 0% 49% 8% 16% 11% 17% 8%
Corporate Agent - Other than Banks 0% 0% 20% 2% 3% 4% 4% 3%
Direct Sale - Online 0% 1% 2% 1% 2% 2% 2% 1%
Direct Sale - Other than Online 39% 69% 4% 35% 13% 11% 13% 29%
Individual Agents 0% 0% 18% 5% 62% 66% 60% 30%
Micro-insurance Agents 0.00% 0.00% 0.04% 0.03% 0.00% 0.00% 0.00% 0.02%
Web- aggregators 0.00% 0.00% 0.03% 0.03% 1.07% 1.10% 1.02% 0.47%
Insurance Marketing Firms 0.00% 0.00% 0.00% 0.01% 0.02% 0.02% 0.01% 0.01%
Point Of Sales 0.00% 0.00% 0.00% 0.00% 0.01% 0.01% 0.01% 0.00%
Common Service Centers 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Others 61% 30% 0% 0% 0% 0% 0% 3%
Total of all channels 100% 100% 100% 100% 100% 100% 100% 100%
59ANNUAL REPORT 2017-18
HEALTH INSURANCE - DETAILS OF CLAIMS DEVELOPMENT DURING 2017-18
(Excl. PA & Travel Insurance Business)
TABLE I.72
CLAIMS HANDLED THROUGH TPAs
(Numbers in Actual)(Amount in `lakh)
Only Only Both Cashless and Benefit Based Total
Cashless Reimbursement Reimbursement
Particulars (1) (2) (3)
No. Amount No. Amount No. Amount No. Amount No. Amount
Claims outstanding 432660 67680 181314 63196 157703 22494 164 48 771841 153417
at the beginning of 56% 44% 23% 41% 20% 15% 0% 0% 100% 100%
the period
New claims 4747370 1152832 5626008 1030145 1046656 214860 2640 494 11422674 2398330
registered during 42% 48% 49% 43% 9% 9% 0% 0% 100% 100%
the period
Claims paid during 4291202 1009986 4954844 897302 1084558 188368 1979 354 10332583 2096011
the period 42% 48% 48% 43% 10% 9% 0% 0% 100% 100%
Claims repudiated 327566 98276 496017 130012 50812 7813 754 140 875149 236240
during the period 37% 42% 57% 55% 6% 3% 0% 0% 100% 100%
Claims outstanding 561262 107963 356461 61772 68989 41172 71 25 986783 210933
at the end 57% 51% 36% 29% 7% 20% 0% 0% 100% 100%
of the year
TABLE I.73
CLAIMS HANDLED DIRECTLY BY THE INSURERS
(Numbers in Actual)(Amount in ` lakh)
Only Only Both Cashless and Benefit Based Total
Cashless Reimbursement Reimbursement
Particulars (1) (2) (3)
No. Amount No. Amount No. Amount No. Amount No. Amount
Claims outstanding 163514 32771 74235 53477 262 389 3301 8303 241312 94941
at the beginning 68% 35% 31% 56% 0% 0% 1% 9% 100% 100%
of the period
New claims 3234406 602908 1409266 620456 7017 6884 17253 21618 4667943 1251866
registered during 69% 48% 30% 50% 0% 1% 0% 2% 100% 100%
the period
Claims paid during 2904085 484997 1290718 429973 6537 5268 10812 8156 4212153 928393
the period 69% 52% 31% 46% 0% 1% 0% 1% 100% 100%
Claims repudiated 194611 83848 138978 204224 522 1707 5356 10677 339467 300455
during the period 57% 28% 41% 68% 0% 1% 2% 4% 100% 100%
Claims outstanding 299224 44443 53806 53749 220 298 4386 11060 357636 109550
at the end 84% 41% 15% 49% 0% 0% 1% 10% 100% 100%
of the year
60ANNUAL REPORT 2017-18
TABLE I.74
CLAIMS HANDLED THROUGH BOTH TPA AND IN-HOUSE
(Numbers in Actual)(Amount in ` lakh)
Only Only Both Cashless and Benefit Based Total
Cashless Reimbursement Reimbursement
Particulars (1) (2) (3)
No. Amount No. Amount No. Amount No. Amount No. Amount
Claims outstanding 596174 100451 255549 116673 157965 22883 3465 8351 1013153 248358
at the beginning 59% 40% 25% 47% 16% 9% 0% 3% 100% 100%
of the period
New claims 7981777 1755740 7035274 1650601 1053673 221743 19893 2211216090617 3650196
registered during 50% 48% 44% 45% 7% 6% 0.12% 0.61% 100% 100%
the period
Claims paid 7195288 1494983 6245562 1327275 1091095 193635 12791 851014544736 3024404
during the period 49% 49% 43% 44% 8% 6% 0% 0% 100% 100%
Claims repudiated 522177 182124 634995 334236 51334 9520 6110 10816 1214616 536695
during the period 43% 34% 52% 62% 4% 2% 1% 2% 100% 100%
Claims outstanding 860486 152406 410267 115521 69209 41471 4457 11085 1344419 320483
at the end 64% 48% 31% 36% 5% 13% 0% 3% 100% 100%
of the year
Note: 1. Claims are settled only through Cashless Mode. No part of the claim is settled through reimbursement. 2. Claims are settled only through
Reimbursement mode. No part of the claim is settled through Cashless mode. 3. Claims which are paid through both cashless and reimbursement
modes.
HEALTH INSURANCE - AGING OF SETTLED CLAIMS DURING 2017-18
(Excl. PA & Travel Insurance Business)
TABLE I.75
AGING OF CLAIMS SETTLED BY INSURERS THROUGH TPA
(Numbers in Actual)(Amount in ` lakh)
Claims Only Only Both Cashless and Benefit Based Total
paid Cashless Reimbursement Reimbursement
within (1) (2) (3)
No. Amount No. Amount No. Amount No. Amount No. Amount
< 1 Month 2843075 579384 3290336 531694 244951 47656 1160 267 6379522 1159001
66.30% 57.40% 66.40% 59.30% 22.60% 25.30% 58.60% 75.30% 61.70% 55.30%
1 to 3 months 1192882 333247 1321603 281098 827484 132913 598 70 3342567 747327
27.80% 33.00% 26.70% 31.30% 76.30% 70.60% 30.20% 19.70% 32.30% 35.70%
3 to 6 months 189617 68337 267876 63665 10288 4384 159 10 467940 136397
4.40% 6.80% 5.40% 7.10% 0.90% 2.30% 8.00% 2.80% 4.50% 6.50%
6 to 12 months 54624 23240 55146 15467 1530 2546 42 4 111342 41257
1.30% 2.30% 1.10% 1.70% 0.10% 1.40% 2.10% 1.30% 1.10% 2.00%
1 to 2 years 7661 4888 18333 3057 302 867 13 0 26309 8813
0.20% 0.50% 0.40% 0.30% 0.00% 0.50% 0.70% 0.10% 0.30% 0.40%
More than 2 years 3343 890 1550 2321 3 1 7 3 4903 3215
0.10% 0.10% 0.00% 0.30% 0.00% 0.00% 0.40% 0.80% 0.00% 0.20%
Total 4291202 1009986 4954844 897302 1084558 188368 1979 35410332583 2096011
100% 100% 100% 100% 100% 100% 100% 100% 100% 100%
61ANNUAL REPORT 2017-18
TABLE I.76
AGING OF CLAIMS SETTLED BY INSURERS THROUGH IN-HOUSE
(Numbers in Actual)(Amount in ` lakh)
Claims paid Only Only Both Cashless and Benefit Based Total
within Cashless Reimbursement Reimbursement
(1) (2) (3)
No. Amount No. Amount No. Amount No. Amount No. Amount
< 1 Month 2843850 444471 834392 245949 5289 4919 9931 7212 3693463 702551
97.90% 91.60% 64.60% 57.20% 80.90% 93.40% 91.90% 88.40% 87.70% 75.70%
1 to 3 months 43885 35225 375206 111544 1153 326 680 607 420924 147701
1.50% 7.30% 29.10% 25.90% 17.60% 6.20% 6.30% 7.40% 10.00% 15.90%
3 to 6 months 4707 3236 66867 37005 86 21 155 247 71815 40509
0.20% 0.70% 5.20% 8.60% 1.30% 0.40% 1.40% 3.00% 1.70% 4.40%
6 to 12 months 5497 1322 11482 25886 9 3 40 86 17028 27297
0.20% 0.30% 0.90% 6.00% 0.10% 0.10% 0.40% 1.10% 0.40% 2.90%
1 to 2 years 6037 759 1994 9011 0 0 2 2 8033 9772
0.20% 0.20% 0.20% 2.10% 0.00% 0.00% 0.00% 0.00% 0.20% 1.10%
More than 2 years 109 -17 777 576 0 0 4 2 890 562
0.00% 0.00% 0.10% 0.10% 0.00% 0.00% 0.00% 0.00% 0.00% 0.10%
Total 2904085 484997 1290718 429973 6537 5268 10812 8156 4212153 928393
100% 100% 100% 100% 100% 100% 100% 100% 100% 100%
TABLE I.77
AGING OF CLAIMS SETTLED BY INSURERS THROUGH BOTH TPA AND IN-HOUSE
(Numbers in Actual)(Amount in ` lakh)
Claims paid Only Only Both Cashless and Benefit Based Total
within Cashless Reimbursement Reimbursement
(1) (2) (3)
No. Amount No. Amount No. Amount No. Amount No. Amount
< 1 Month 5686926 1023855 4124728 777643 250240 52574 11091 7479 10072985 1861552
79.00% 68.50% 66.00% 58.60% 22.90% 27.20% 86.70% 87.90% 69.30% 61.60%
1 to 3 months 1236767 368471 1696809 392642 828637 133239 1278 677 3763491 895029
17.20% 24.60% 27.20% 29.60% 75.90% 68.80% 10.00% 8.00% 25.90% 29.60%
3 to 6 months 194324 71573 334743 100671 10374 4405 314 257 539755 176906
2.70% 4.80% 5.40% 7.60% 1.00% 2.30% 2.50% 3.00% 3.70% 5.80%
6 to 12 months 60121 24562 66628 41353 1539 2549 82 90 128370 68554
0.80% 1.60% 1.10% 3.10% 0.10% 1.30% 0.60% 1.10% 0.90% 2.30%
1 to 2 years 13698 5648 20327 12069 302 867 15 2 34342 18586
0.20% 0.40% 0.30% 0.90% 0.00% 0.40% 0.10% 0.00% 0.20% 0.60%
More than 2 years 3452 874 2327 2898 3 1 11 5 5793 3777
0.00% 0.10% 0.00% 0.20% 0.00% 0.00% 0.10% 0.10% 0.00% 0.10%
Total 7195288 1494983 6245562 1327275 1091095 193635 12791 8510 14544736 3024404
100% 100% 100% 100% 100% 100% 100% 100% 100% 100%
Note: 1. Claims are settled only through Cashless Mode. No part of the claim is settled through reimbursement. 2. Claims are
settled only through Reimbursement mode. No part of the claim is settled through Cashless mode. 3. Claims which are paid
through both cashless and reimbursement modes. 2. The values given in percentage indicate the ratio of claims paid within a
particular time limit to the total claims paid under respective mode of settlement
62ANNUAL REPORT 2017-18
I.4.5.11 The following are the observations of the 181 new offices are opened by these SAHI insurers.
Tables I.72, 1.73, I.74, I.75, I.76 & I.77 As per the geographical distribution of offices of
these insurers, it is observed that, 53 % of offices of
(cid:129) During 2017-18, General & health Insurers have
these insurers are located in Metro areas, while 37%
settled 1.45 crore health insurance claims and
are located in Urban and 10% in Semi-urban areas.
paid `30244 crores towards settlement of health
There are no offices of these insurers located in
insurance claims. The average amount paid per
Rural Areas. On Tier-wise classification of offices of
claim was `20793
these insurers, it is observed that 90 % of offices
(cid:129) In terms of number of claims settled, 71 percent are located only in Tier-I cities, while Tier-II and Tier-
of the claims were settled through TPAs and III cities having 4 % and 6 % respectively. There are
the balance 29 percent of the claims were no branches in Tier-IV, V and VI cities.
settled through in-house mechanism.
TABLE I. 78 NUMBER OF OFFICES OF
STAND-ALONE HEALTH INSURERS
(cid:129) In terms of mode of settlement of claims, 49
(As on 31st March)
percent of total amount of claims paid were
Insurers 2015 2016 2017 2018
settled through Cashless mode and another 44
Aditya Birla NA NA 10 60
percent of the claims were settled through
Apollo Munich 83 101 110 158
Reimbursement mode. Insurers have settled 6 Cigna TTK 13 16 19 19
percent of their claims amount through “both Max Bupa 26 27 28 30
Cashless and Reimbursement mode”. Religare 46 56 61 74
Star Health 290 320 367 434
(cid:129) During 2017-18, insurers have settled 85
Total 458 520 594 775
percent of total number of claims registered in
their books and have repudiated 7 percent of
CHART I.25
total number of claims registered. The balance NUMBER OF OFFICES OF STAND-ALONE
HEALTH INSURERS
8 percent of the claims registered were pending
OVER THE LAST 4 YEARS
for settlement as on 31st March 2018.
I.4.5.12 Offices of Stand-alone Health Insurers 800
775
750
(SAHI)
700
650
Number and Distribution of Offices of Stand-
600
alone Health Insurers Companies (as on 31st
550
March) 500
450
As on 31st March, 2018, the number of offices of 400
2014-15 2015-16 2016-17 2017-18
SAHI Insurers stood at 775 while the same was 594
as at 31st March 2017. As such, during 2017-18,
63ANNUAL REPORT 2017-18
TABLE I.79
TIER-WISE DISTRIBUTION OF OFFICES OF STAND ALONE HEALTH INSURERS
(as on 31st March 2018)
Insurer Tier-wise Classification Geo-Classification
Tier I Tier II Tier III Tier IV Tier V Tier VI Total Metro Urban Semi Rural Total
Urban
Aditya Birla 60 0 0 0 0 0 60 54 6 0 0 60
Apollo Munich 155 2 1 0 0 0 158 101 54 3 0 158
Cigna TTK 19 0 0 0 0 0 19 17 2 0 0 19
Max Bupa 30 0 0 0 0 0 30 30 0 0 0 30
Religare 73 1 0 0 0 0 74 52 21 1 0 74
Star Health 357 28 45 4 0 0 434 153 204 77 0 434
SAHI Total 694 31 46 4 0 0 775 407 287 81 0 775
Tier I - Population 1,00,000 & Above. Metro: 10,00,000 and above;
Tier II - Population of 50,000 to 99,999. Urban: From 1,00,000 to 9,99,999;
Tier III - Population of 20,000 to 49,999. Semi-Urban: From 10,000 to 99,999;
Tier IV - Population of 10,000 to 19,999. Rural: Population upto 9999.
Tier V - Population of 5,000 to 9,999.
Tier VI - Population less than 5,000.
CHART I.27
CHART I.26
GEO-CLASSIFICATION-WISE
TIER WISE DISTRIBUTION OF
DISTRIBUTION OF OFFICES - SAHI INSURERS
SAHI INSURERS’ OFFICES
Rural, 0%
Tier Ill
6% ~
~
Tierll
4% ""'-.....
State and UT wise distribution of offices of SAHI these SAHI insurers are located in 14 States/Union
Insurers: Territories (UTs). Further, there were 9 States and
UTs in which there are no offices of these SAHI
Five States have 51% of the total offices (393 in
Insurers.
number) of SAHI Insurers. 90% of total offices of
64ANNUAL REPORT 2017-18
TABLE I.80
STATE-WISE NUMBER OF OFFICES OF SAHI INSURERS ARRANGED IN DESCENDING
ORDER OF NUMBER OF OFFICES (As on 31st March 2018)
S.No State Name No. of offices S.No State Name No. of offices
1 MAHARASHTRA 113 20 BIHAR 7
2 TAMILNADU 96 21 JHARKHAND 7
3 KERALA 73 22 GOA 4
4 KARNATAKA 61 23 JAMMU & KASHMIR 4
5 UTTAR PRADESH 50 24 PUDUCHERRY 3
6 WEST BENGAL 45 25 HIMACHAL PRADESH 2
7 GUJARAT 43 26 TRIPURA 2
8 DELHI (NCT) 37 27 MEGHLAYA 1
9 TELANGANA 33 28 ARUNACHAL PRADESH 0
10 HARYANA 32 29 MANIPUR 0
11 MADHYA PRADESH 31 30 MIZORAM 0
12 RAJASTHAN 29 31 NAGALAND 0
13 ANDHRA PRADESH 28 32 SIKKIM 0
14 PUNJAB 27 33 ANDAMAN & NICOBAR 0
15 ODISHA 12 34 DADRA & NAGAR HAVELI 0
16 CHATTISGARH 10 35 DAMAN and DIU 0
17 UTTARAKHAND 9 36 LAKSHADWEEP (UT) 0
18 ASSAM 8
19 CHANDIGARH 8 Total 775
State-wise Number of Districts with/without insurers. They are Kerala (13 out of 14), Andhra
Offices of SAHI Insurers: Pradesh (11 out of 13), Delhi NCT (8 out of 11) and
Goa (2 out of 2). On the other hand, 490 districts
District-level analysis of data reveals that, SAHI
from 9 States and UTs namely Arunachal Pradesh,
insurers have offices at 228 districts out of 718
Manipur, Mizoram, Nagaland, Sikkim, Andaman &
districts in the country. As such, offices of SAHI
Nicobar, Dadra & Nagar Haveli, Daman & Diu and
insurers are located in 32% of districts in the country.
Lakshadweep did not have any office of SAHI
In case of some of the States and UTs there is a
Insurers.
large proportion of districts having offices of SAHI
TABLE I.81
STATE-WISE NUMBER OF DISTRICTS WITH/WITHOUT OFFICES OF SAHI INSURERS
(as on 31st March 2018)
S.No State Name No. of Districts No. of Districts with offices No. of Districts without offices
1 ANDHRA PRADESH 13 11 2
2 ARUNACHAL PRADESH 21 0 21
3 ASSAM 33 5 28
4 BIHAR 38 3 35
5 CHATTISGARH 27 4 23
6 DELHI (NCT) 11 8 3
7 GOA 2 2 0
65ANNUAL REPORT 2017-18
S.No State Name No. of Districts No. of Districts with offices No. of Districts without offices
8 GUJARAT 33 15 18
9 HARYANA 22 14 8
10 HIMACHAL PRADESH 12 2 10
11 JAMMU & KASHMIR 22 1 21
12 JHARKHAND 24 3 21
13 KARNATAKA 30 16 14
14 KERALA 14 13 1
15 MADHYA PRADESH 51 11 40
16 MAHARASHTRA 36 18 18
17 MANIPUR 16 0 16
18 MEGHLAYA 11 1 10
19 MIZORAM 8 0 8
20 NAGALAND 11 0 11
21 ODISHA 30 5 25
22 PUNJAB 22 9 13
23 RAJASTHAN 33 11 22
24 SIKKIM 4 0 4
25 TAMILNADU 32 25 7
26 TELANGANA 31 12 19
27 TRIPURA 8 1 7
28 UTTAR PRADESH 75 18 57
29 UTTARAKHAND 13 4 9
30 WEST BENGAL 23 14 9
31 ANDAMAN & NICOBAR 3 0 3
32 CHANDIGARH 1 1 0
33 DADRA & NAGAR HAVELI 1 0 1
34 DAMAN and DIU 2 0 2
35 LAKSHADWEEP (UT) 1 0 1
36 PUDUCHERRY 4 1 3
Total 718 228 490
66ANNUAL REPORT 2017-18
CHART I.28
State wise distribution of Offices of SAHI Companies
(Numbers indicates number of offices at each State)
37
t
<5 Offi,ces
s-1oom ces
10-20 Ofhces
20-40 Offi,ces ·~
> 40 Offi,ces
Disclaimer: The above map is only representative and does not show actual geographical boundary.
67ANNUAL REPORT 2017-18
I.4.5.13 Functioning of TPAs: Authority as at 31st March 2018 is given in Table
No.I. 82. The list of TPA registrations renewed by
During the Financial Year 2017-18 there were 27
the Authority during 2017-18 are given in Table No.
TPAs registered with IRDAI. During the year 2017-
I.83. The TPAs expanded the network of the
18, no Certificate of Registration was granted to any
hospitals by adding new hospitals to their networks
new TPA. The list of TPAs registered with the
as specified at Table No. I.84.
TABLE I.82 LIST OF TPAs AS ON 31ST MARCH 2018
Sl. Name of Third Party Administrator Registration CoR Valid
No. Number up to
1 United Health Care Parekh Insurance TPA Private Limited 002 20.03.2020
2 Medi Assist Insurance TPA Private Limited 003 20.03.2020
3 MDIndia Health Insurance TPA Private Limited 005 20.03.2020
4 Paramount Health Services & Insurance TPA Private Limited 006 20.03.2020
5 E-Meditek Insurance TPA Limited 007 20.03.2020
6 Heritage Health Insurance TPA Private Limited 008 20.03.2020
7 Focus Health Insurance (TPA) Private Limited 010 20.03.2020
8 Medicare Insurance TPA Services (India) Private Limited 012 20.03.2020
9 Family Health Plan Insurance TPA Limited 013 20.03.2020
10 Raksha Health Insurance TPA Private Limited 015 31.03.2020
11 Vidal Health Insurance TPA Private Limited 016 15.05.2020
12 Anyuta Insuance TPA In Health Care Private Limited 017 15.05.2020
13 East West Assist Insurance TPA Private Limited 018 15.05.2020
14 Medsave Health Insurance TPA Limited 019 14.05.2020
15 Genins India Insurance TPA Limited 020 10.06.2020
16 Alankit Insurance TPA Limited 021 17.11.2020
17 Health India Insurance TPA Services Private Limited 022 17.11.2020
18 Good Health Insurance TPA Limited 023 26.01.2021
19 Vipul Medcorp Insurance TPA Private Limited 024 28.02.2019
20 Park Mediclaim Insurance TPA Private Limited 025 27.09.2019
21 Safeway Insurance TPA Private Limited 026 19.07.2020
22 Anmol Medicare Insurance TPA Limited 027 26.10.2020
23 Dedicated Healthcare Services TPA (India) Private Limited. 028 25.04.2018
24 Grand Insurance TPA Private Limited 029 15.05.2018
25 Rothshield Insurance TPA Limited 030 15.07.2019
26 Ericson Insurance TPA Private Limited 035 17.12.2018
27 Health Insurance TPA of India Limited 036 05.06.2020
COR: Certificate of registration
68ANNUAL REPORT 2017-18
TABLE I.83 I.4.5.15 In respect of Health Insurance Riders
LIST OF TPAs REGISTRATIONS RENEWED attached to Life Insurance Products
2017-18
Riders which are attached to the base products are
Sl. Name of TPA Registration
No. Number offered as a value addition to policyholders. Premium
1 Vidal Health Insurance TPA Private Limited 016 of `234 crores was procured through health
insurance riders attached to life insurance policies.
2 Anyuta Insuance TPA In
Out of the total premium from these riders, renewals
Health Care Private Limited 017
accounted for 47% (`111 crore) while the rest 53.1%
3 East West Assist Insurance TPA Private Limited 018
(`123 crore) was contributed by new business.
4 Medsave Health Insurance TPA Limited 019
During the FY 2017-18, 4.02 lakh health insurance
5 Genins India Insurance TPA Limited 020
riders were issued along with new life insurance base
6 Alankit Insurance TPA Limited 021 products covering 6.79 lakh lives. During the same
7 Health India Insurance period, 17.27 lakh riders attached to life insurance
TPA Services Private Limited 022 products were renewed which covered 20.9 lakh
number of lives.
8 Good Health Insurance TPA Limited 023
9 Anmol Medicare Insurance TPA Limited 027 Details of claims pertaining to health insurance
products offered by Life Insurers:
10 Health Insurance TPA of India Limited 036
11 Safeway Insurance TPA Private Limited 026 I.4.5.16 Claims pertaining to Health Insurance
Products offered by Life Insurers
Health Insurance Business of Life Insurance
During the FY 2017-18, life insurers have paid `239
Companies
crores as claims towards settlement of 64039
Policies and Premium number of claims. Out of the total number of claims
registered by life insurers with respect of health
I.4.5.14 In respect of Health Insurance products
insurance products, insurers have paid 79 percent
marketed by Life Insurers
of claims while 20 percent of number of claims were
During 2017-18, Life Insurers have procured a total repudiated or rejected.
premium of `930 crores from various health
I.4.5.17 Claims pertaining to Health Insurance
insurance products. While Renewal premium
Riders attached to the Life Insurance Products
contributed 75% (`694 Crore) of total premium, New
Business contributed the remaining 25% (`236 In respect of rider claims, 77 percent of the claims
Crore). registered were paid while 21 percent were
repudiated or rejected. During FY 2017-18, claim
During the FY 2017-18, Life Insurers have issued
amount of `11.34 crore was paid by the life insurers
5.50 lakh new policies covering 7.36 lakh number
towards settlement of 1134 number of claims, in
of lives, while they renewed 9.15 lakh number of
respect of riders.
policies covering 14.88 lakh number of lives.
69ANNUAL REPORT 2017-18
TABLE I.84
INFORMATION ON NETWORK HOSPITALS ENROLLED BY TPAs 2017-18
Sl. No.of No.of No.of * Total No.of
No. Hospitals Hospitals Hospitals Hospitals
in the added to withdrawn/ in the
Name of the TPA Network the removed from Network
at the Network Network at the end
beginning during during of the year
of the year the year the year
1 Alankit Insurance TPA Limited 4079 681 1 4759
2 Anmol Medicare Insurance TPA Limited 453 19 0 472
3 Anyuta Insuance TPA In Health Care Private Limited 311 114 68 357
4 Dedicated Healthcare Services TPA (India) Pvt. Ltd. 5855 473 231 6097
5 East West Assist Insurance TPA Private Limited 3933 1089 0 5022
6 E-Meditek Insurance TPA Limited 5640 464 60 6044
7 Ericson Insurance TPA Private Limited 4094 725 0 4819
8 Family Health Plan Insurance TPA Limited 7075 425 230 7270
9 Focus Health Insurance (TPA) Private Limited Data to be submitted by the TPA Company
10 Genins India Insurance TPA Limited 4259 368 123 4504
11 Good Health Insurance TPA Limited 5003 502 63 5442
12 Grand Insurance TPA Private Limited 1842 112 0 1954
13 Health India Insurance TPA Services Private Limited 4908 836 209 5535
14 Health Insurance TPA of India Limited 1616 420 0 2036
15 Heritage Health Insurance TPA Private Limited 5733 1111 471 6373
16 MDIndia Health Insurance TPA Private Limited 10179 1929 1417 10691
17 Medi Assist Insurance TPA Private Limited 7348 1151 909 7590
18 Medicare Insurance TPA Services (India) Pvt. Ltd. 4948 477 715 4710
19 Medsave Health Insurance TPA Limited 6483 171 157 6497
20 Paramount Health Services & Insurance TPA Pvt. Ltd. 13967 1554 120 15401
21 Park Mediclaim Insurance TPA Private Limited 2219 795 0 3014
22 Raksha Health Insurance TPA Private Limited 5065 2020 112 6973
23 Rothshield Insurance TPA Limited 3272 214 0 3486
24 Safeway Insurance TPA Private Limited 4551 946 327 5170
25 United Health Care Parekh Insurance TPA Pvt. Ltd. 4567 311 73 4805
26 Vidal Health Insurance TPA Private Limited 8332 1462 902 8892
27 Vipul Medcorp Insurance TPA Private Limited 8767 579 166 9180
Total 134499 18948 6354 147093
* Hospitals may have tied up with more than one TPA
70ANNUAL REPORT 2017-18
TABLE I.85
HEALTH BUSINESS OF LIFE INSURERS FROM NEW BUSINESS
(FIRST YEAR PREMIUM FROM REGULAR & SINGLE PREMIUM POLICIES)
(Number of policies and lives are in actuals and premium in ` crore)
No. of new No. of new Gross premium from
Type of Business
policies issued lives covered new business
Government sponsored schemes 0 0 0
Group Business other than
Government Sponsored Schemes 211 123747 10
Individual Business 549818 612638 226
Total 550029 736385 236
TABLE I.86
HEALTH BUSINESS OF LIFE INSURERS FROM RENEWAL BUSINESS
(RENEWAL PREMIUM FROM REGULAR PREMIUM POLICIES)
(Number of policies and lives are in actuals and premium in `crore)
No. of policies No. of lives covered Gross premium from
Type of Business
renewed under policies renewed renewal business
Government sponsored schemes 0 0 0
Group Business other than
Government Sponsored Schemes 0 0 0
Individual Business 915975 1487709 694
Total 915975 1487709 694
TABLE I.87
NEW BUSINESS IN RESPECT OF HEALTH RIDERS ATTACHED TO THE LIFE INSURANCE PRODUCTS
(Number of riders and lives in actuals) (premium in ` crore)
No. of new No. of new Gross premium from
riders issued lives covered new business
Type of Business
under health
insurance riders
Government sponsored schemes 0 0 0
Group Business other than
Government Sponsored Schemes 237 1729626 89
Individual Business 402333 678728 34
Total 402570 2408354 123
TABLE I.88
RENEWAL BUSINESS IN RESPECT OF HEALTH RIDERS ATTACHED TO THE LIFE INSURANCE PRODUCTS
(Number of riders and lives in actuals) (premium in `crore)
Type of Business No. of new riders No. of lives Gross premium from
renewed as a part of covered under new riders renewed
life insurance products such riders
Government sponsored schemes 0 0 0
Group Business other than
Government Sponsored Schemes 170 237080 8.4
Individual Business 1726917 1856333 102.4
Total 1727087 2093413 110.8
71ANNUAL REPORT 2017-18
TABLE I.89
DETAILS OF CLAIMS HANDLED BY LIFE INSURERS WITH RESPECT TO
HEALTH INSURANCE PRODUCTS
(Number of claims in actual and Amount in ` crore)
Particulars Unit Government Group Business Individual Total
sponsored other than Govt. Business
schemes Sponsored
schemes
Claims Outstanding Number 0 0 1122 1122
as on 1st April 2017 Amount 0 0 5.9 5.9
Claims Reported Number 0 11 79765 79776
during the Amount 0 2.5 378 380.5
financial year
Claims Paid during Number 0 9 64030 64039
the financial year Amount 0 1.8 238.8 240.6
Repudiated/Rejected Number 0 2 15820 15822
during the Amount 0 0.7 122.1 122.8
financial year
Claims Outstanding Number 0 0 1037 1037
as on 31st Amount 0 0 22.6 22.6
March 2018
TABLE I.90
DETAILS OF CLAIMS HANDLED BY LIFE INSURERS WITH RESPECT TO
HEALTH INSURANCE RIDERS
(Number of claims in actual and Amount in ` crore)
Particulars Unit Government Group Business Individual Total
sponsored other than Govt. Business
schemes Sponsored
schemes
Claims Outstanding Number 0 0 57 57
as on 1st April 2017 Amount 0 0 0.5 0.5
Claims Reported Number 0 246 1175 1421
during the Amount 0 15.1 24.7 39.8
financial year
Claims Paid during Number 0 107 1027 1134
the financial year Amount 0 5.9 22.6 28.5
Repudiated/Rejected Number 0 139 176 315
during the Amount 0 9.2 1.6 10.8
financial year
Claims Outstanding Number 0 0 29 29
as on 31st March 2018 Amount 0 0 0.9 0.9
72ANNUAL REPORT 2017-18
I.4.6 Business in the Rural and Social Sectors The number of policies underwritten by them in the
rural sector as a percentage of the total policies
I.4.6.1 Gist of existing Regulations:
underwritten in the year 2017-18 was as per the
The IRDAI (Obligations of Insurers to Rural and
obligations applicable to them.
Social Sectors) Regulations, 2015 stipulated targets
to be fulfilled by insurers on an annual basis. In terms I.4.6.3 The lone public sector insurer, Life Insurance
of these regulations, Insurers are required to cover Corporation of India was also compliant with its
year wise stipulated targets (i) Under social sector obligations in the rural sector for 2017-18.
in terms of percentage of lives out of total business;
and (ii) Under rural sector for life insurers, in terms I.4.6.4 The life insurers underwrote 64.75 lakh
of percentage of number of policies to be policies in the rural sector, viz., 23 percent of the
underwritten from rural areas whereas for general new individual policies (281.63 lakh policies)
and standalone health insurers, a percentage of total
underwritten by them in 2017-18. LIC underwrote
gross direct premium income written. The regulations
22.4 percent of the new policies and private insurers
require insurers to underwrite business in these
underwrote 24.8 percent of their new individual
segments based on the year of commencement of
policies in the rural sector.
their operations and the applicable targets are linked
to the year of operations of each insurer. For meeting
Social Sector Obligations
these obligations, the regulations further provide
that, if an insurance company commences I.4.6.5 Twenty-two* private life insurers and public
operations in the second half of the financial year sector LIC of India have fulfilled their social sector
and is in operations for less than six months as at obligations during 2017-18. The number of lives
31st March of the relevant financial year (i) no rural
covered by them in the Social Sector was above
or social sector obligations shall be applicable for
stipulations in the IRDA (Obligations of Insurers to
the said period; and (ii) the annual obligations as
Rural or Social Sectors) Regulations 2015.
indicated in the Regulations shall be reckoned from
the next financial year which shall be considered as I.4.6.6 *M/s Sahara India Life Insurance Co. Ltd. was
the first year of operations for the purpose of
directed not to underwrite any kind of new business
compliance. In cases where an insurance company
from 24th June, 2017 vide the IRDAI Order reference
commences operations in the first half of the financial
IRDAI/F&A/OR/FA/148/06/2017 under section 52 B
year, the applicable obligations for the first year shall
(2) of the Insurance Act, 1938.
be 50 percent of the obligations for rural areas and
2500 lives for social sector.
Obligations of General Insurers
Fulfilment of Obligations of life insurers during
I.4.6.7 All the Public and Private sector insurers
2017-18
(other than standalone health Insurers) complied
Rural Sector Obligations with Rural and Social Sector obligations for the year
2017-18. as detailed in Table I.91
I.4.6.2 During 2017-18, except Sahara all private
life insurers had fulfilled their rural sector obligations.
73ANNUAL REPORT 2017-18
TABLE I.91
COMPLIANCE OF GENERAL INSURERS (EXCEPT STANDALONE AND SPECIALIZED INSURERS)
WITH RESPECT TO RURAL AND SOCIAL OBLIGATIONS 2017-18
Insurer Rural Sector Social Sector
(Gross Direct Premium) ( No. of Lives)
Target Achieved Complied Target Achieved Complied
(%) (%) (Yes/No) (%) (%) (Yes/No)
Acko NA NA NA NA NA NA
Bajaj AllianZ 7 9.69 Yes 5 45.88 Yes
Bharti Axa 7 28.82 Yes 5 303.57 Yes
Cholamandalam Ltd 7 18 Yes 5 17 Yes
DHFL NA NA NA NA NA NA
Edelweiss NA NA NA NA NA NA
Future Generali 7 29.44 Yes 5 8.44 Yes
Go Digit NA NA NA NA NA NA
HDFC Ergo 5 35.9 Yes 3.5 36 Yes
ICICI Lombard 7 22 Yes 5 9 Yes
IFFCO Tokio 7 27.01 Yes 5 40.88 Yes
Kotak Mahindra 3 6 Yes 1 1.7 Yes
Liberty Videocon 5 7.56 Yes 2.5 3.16 Yes
Magma HDI 5 59.52 Yes 2.5 5.7 Yes
National 7 12.89 Yes 5 14.85 Yes
Raheja QBE 7 8.44 Yes 4.5 29.01 Yes
Reliance 7 26.41 Yes 5 25.8 Yes
Royal Sundaram 7 8.72 Yes 5 14.77 Yes
SBI 6 37 Yes 4 5.79 Yes
Shriram 7 7.32 Yes 5 10.84 Yes
Tata AIG 7 20.41 Yes 5 39.14 Yes
New India 7 18.4 Yes 5 73.62 Yes
Oriental 7 15.93 Yes 5 73.29 Yes
United 7 16.64 Yes 5 74.34 Yes
Universal Sompo 7 56.31 Yes 5 91.17 Yes
TABLE I.92
COMPLIANCE OF STAND-ALONE HEALTH INSURERS WITH RESPECT TO
RURAL SECTOR OBLIGATIONS 2017-18
Insurer Age of the Insurer Target Gross Amount of Achievement
(as at the end (as a percent of premium premium (percent)
of F.Y. 2017-18) gross premium for the F.Y. procured in the
written) (In `lakh) Rural sector
(In `lakh)
Aditya Birla 1 1 24317 351 1.44
Apollo MunichHealth 10 3.50 171751 7380 4.30
Cigna TTK 4 2.50 34640 5814 16.78
Max Bupa 8 3.00 75447 3963 5.25
Religare 6 2.50 109161 9913 9.10
Star Health 12 3.50 416111 57471 13.81
74ANNUAL REPORT 2017-18
I.4.6.8 Rural and Social Sector Obligations of sector obligations. The details of targets and
Stand-alone Health Insurers achievements of these six insurers are provided in
the Table I.92 & I.93.
During the FY 2017-18, all six stand-alone Health
Insurers were compliant with their rural and social
TABLE I.93
COMPLIANCE OF STAND-ALONE HEALTH INSURERS WITH RESPECT TO
SOCIAL SECTOR OBLIGATIONS 2017-18
Sl. Insurer Age of the Insurer Target Total business Number of Achieved
No. (as at the end of (as a percent procured in the lives covered (percent)
F.Y. 2017-18) of lives preceding under social
covered) financial year sector
(lives in lakh) (In lakh)
1 Aditya Birla 1 0.50 2 0.59 28.58
2 Apollo Munich 10 5 42 2.50 6.00
3 Cigna TTK 4 1.50 4 0.11 2.68
4 Max Bupa 8 4.00 24 0.98 4.07
5 Religare Health 6 3.00 20 5 25.80
6 Star Health 12 5 92 14 15.78
I.4.7 FINANCIAL REPORTING AND ACTUARIAL for the proper and effective performance of the
STANDARDS functions and duties of the Appointed Actuary.
Appointed Actuary System I.4.8 ANTI-MONEY LAUNDERING/ COUNTERING
THE FINANCING OF TERRORISM (AML/CFT)
I.4.7.1 The Appointed Actuary system is in place for
PROGRAMME
more than a decade in Indian Insurance Industry.
AML/CFT GUIDELINES
Every Insurer is required to appoint an actuary
known as Appointed Actuary. I.4.8.1 Empowered by the Prevention of Money
Laundering Act (PMLA) and the rules framed there
The Appointed Actuary is responsible for rendering
under, the AML/CFT guidelines (the guidelines) to
actuarial advice to the management of the insurer,
the insurance sector were first issued in March 2006.
in particular in the areas of product design and
Since then the insurance sector has been working
pricing, insurance contract wording, investments and
towards an effective AML/CFT regime in India. The
reinsurance; ensuring solvency of the company and
guidelines emphasize the importance of the
complying with the Authority’s directions from time
customer due diligence processes, reporting
to time.
obligations and record keeping requirements as
The Appointed Actuary has access to all the required under the PMLA.
information or documents in possession or under
I.4.8.2 Insurers have laid down systems and
control of the insurer if such access is necessary
processes towards implementation of various
75ANNUAL REPORT 2017-18
requirements under the broad oversight of their customer. Insurers are also required to lay down
board through the audit committee. There is a regular proper mechanisms to check any kind of attempts
review of the effectiveness of the systems through to avoid disclosure of PAN details. In case of possible
the insurer’s internal audit/inspection departments. attempts to circumvent the requirements, insurers
Compliance with the guidelines is also monitored are directed to report the same as suspicious activity
by IRDAI through both on-site and off-site processes. to Financial Intelligence Unit-India (FIU-IND).
Cash Acceptance Threshold AML/CFT guidelines applicable to General
Insurance companies
I.4.8.3 The insurance sector is very similar to the
banking sector in that both are vehicles and I.4.8.6 Considering the fact that AML/CFT
instrumentalities for encouraging savings amongst requirements applicable to general insurance
the people in the country. The insurance laws in the companies differ from those applicable to life
country also mandate that a certain proportion of insurance companies, the guidelines have been
every company’s business must emanate from the modified to meet the nuances of typical
rural sector. Given the vast number of villages in characteristics of the general insurance business.
India, compared to which the spread of banks is Various related aspects were widely deliberated with
limited, to remove the hindrances posed by the all the general insurance companies through the
restrictions on acceptance of cash, the IRDAI had General Insurance Council. A consolidated circular
aligned the stipulation with that prevalent in the on various stipulations/requirements of AML/CFT
banking sector. This was also aimed at encouraging framework, as applicable to general insurance
insurance companies to tap rural business companies, was issued in February 2013. Through
effectively, consequently improving on insurance this circular, insurers have been advised to apply
penetration and density. the AML/CFT requirements based on their risk
assessment of each of the product’s profile. The
I.4.8.4 The requirement was also in line with the
earlier exemption given to standalone medical and
CBDT notification S.O. 1214 (E) dated 26th May,
health insurance policies now stands withdrawn.
2011amending Rule 114B of the Income-tax Rules,
1962, inserting clause (q) which requires every Revision of AML/CFT Guidelines for Life Insurers
person to quote his permanent account number
I.4.8.7 Pursuant to amendment of PML
(PAN) in all documents pertaining to the transactions
(Maintenance of Records) Rules, 2005 in 2013 by
where there is a payment of an amount aggregating
Central Government, IRDAI master circular on AML/
to fifty thousand rupees or more in a year as life
CFT issued in 2010 for Life Insurers was revised in
insurance premium to an insurer as defined in clause
line with amendments. The revised draft master
(9) of section 2 of the Insurance Act,1938 (4 of 1938).
circular was circulated to Life Insurance Council, and
I.4.8.5 In order to have tighter controls as regards FIU-IND for comments. Based on the comments
‘acceptance of premium in cash’, the IRDAI has received the draft master circular was finalized. The
mandated stringent controls like the requirement of Master Circular was issued on 28th September, 2015.
verification of the PAN number so obtained from the
76ANNUAL REPORT 2017-18
International Cooperation/Information sharing with industry representatives on finalization of report
on the ‘Red Flag Indicators for Insurance Sector’.
I.4.8.8 Post India’s membership into the Financial
IRDAI is also part of the Department of Financial
Action Task Force (FATF) in June 2010, India has
Services initiative of building Central KYC Registry.
been working on the Action Plan committed to FATF
Secretariat. IRDAI has accomplished various action I.4.8.12 IRDAI and FIU-IND signed a Memorandum
points committed. Effective May 2013, IRDAI is a of Understanding (MoU) on Mutual Cooperation on
signatory to the Multilateral Memorandum of 29th January 2014 as part of continued coordinated
Understanding (MMOU) of International Association efforts in effective implementation of requirements
of Insurance Supervisors (IAIS) which provides an of the Prevention of Money Laundering Act and the
international platform for cooperation and sharing rules framed there under.
of information. Further, the IRDAI (Sharing of
According to the MoU, IRDAI and FIU-IND will
Confidential Information Concerning Domestic or
cooperate with each other in areas of mutual interest
Foreign Entity) Regulations, 2013 are in place which
including the following:
provides for the manner in which confidential
information can be shared with other regulatory a) Sharing of intelligence and information available
bodies. in their respective databases.
Coordination with various agencies/ b) Laying down procedure and manner in which
departments the reporting entities report to FIU-IND under
the PML (Maintenance of Records) Rules.
I.4.8.9 IRDAI is in active coordination with various
agencies/departments in ensuring effective c) Conducting outreach and training for reporting
implementation of AML/CFT regime in India and is entities.
part of the Working Group for National Risk
d) Upgradation of AML/CFT skills reporting entities
Assessment (NRA) on AML/CFT constituted by the
regulated by IRDAI.
Department of Revenue. IRDAI is also part of the
Core Working Group (CWG) constituted by the e) Assessment of Anti-Money laundering/
Department of Economic Affairs (FATF Cell) for Countering the Financing of Terrorism (AML/
implementation of revised recommendations of CFT) risks and vulnerabilities in the Insurance
FATF. Sector.
I.4.8.10 In addition, IRDAI is also actively associated f) Identification of red flag indicators for
with the Eurasian Group on Combating Money Suspicious Transaction Reports (STRs) in the
Laundering and Financing of Terrorism (EAG), a insurance sector.
FATF style regional body.
g) Supervising and monitoring the compliance of
I.4.8.11 IRDAI has initiated regular interaction with reporting entities with their obligations under
the Financial Intelligence Unit-India (FIU-IND) and PMLA.
actively took part in the working group constituted
77ANNUAL REPORT 2017-18
h) Compliance with each other’s obligations under Money-laundering (Maintenance of Records)
the relevant international standards. Second Amendment Rules, 2017 making Aaadhar
and PAN/Form 60 mandatory for availing financial
Operationalization of Central KYC Records
services including insurance and also for linking the
Registry
existing policies with the same.
I.4.8.13 In order to facilitate Banks/Financial
Accordingly, IRDAI vide circular dated 8th November
Institutions with KYC related information of
2017 advised all the insurers to implement them
customers so as to avoid multiplicity of undertaking
without awaiting further instructions.
KYC by Banks/Financial Institutions each time a
customer avails any financial product/service, Consequently, the central Government notified the
Hon'ble Finance Minister announced in the Union PML (Maintenance of Record) (Seventh
Budget 2012-13 that a Central Know Your Customer Amendment) Rules, 2017 on 12.12.2017 and has
(KYC)depository will be developed to avoid issued Gazette Notification on 13.12.2017.
multiplicity of registration of KYC data. Accordingly, the date of submission of the Aadhaar
Number and Permanent Account Number or Form
I.4.8.14 As per the 2015 amendment to PML
60 by the clients to the reporting entity was extended
(Maintenance of Records) Rules, 2005, every
till 31st March, 2018 or six months from the date of
reporting entity shall within three days of the
commencement of account based relationship. The
establishment of client based relationship file the
same was issued by IRDAI vide circular dated 18th
electronic copy of the client's KYC records with the
Dec 2017.
Central KYC Records Registry (“CKYCR”).
Thereafter, Hon'ble Supreme Court of lndia in Writ
I.4.8.15 IRDAI vide circular dated 12th July, 2016
Petition (Civil) No.494/2012 vide order dated
advised insurers to upload the KYC records of
13.03.2018 extended the deadline of linking Aadhaar
individual policyholders to Central KYC Registry.
till the matter is finally heard and the judgment is
Guidelines for e-KYC pronounced. Accordingly, IRDAI has issued circular
on 20th March 2018.
I.4.8.16 UIDAI issued Aadhaar (Authentication)
Regulations, 2016 inter alia prescribing the I.4.9 Crop Insurance
procedure for e-KYC authentication of Aadhaar
1.4.9.1 The Indian crop insurance market is
Number. Accordingly, IRDAI vide circular dated 31st
dominated by government sponsored crop insurance
August 2017, advised insurers to perform the
schemes. Government Crop insurance program in
verification of the client through "e-KYC
India started with the introduction of Comprehensive
authentication facility" provided by UIDAI.
Crop Insurance Scheme (CCIS) in 1985. CCIS was
Aadhaar and PAN Linkage replaced by National Agricultural Insurance scheme
(NAIS) in RABI 1999. NAIS was continued till 2015-
I.4.8.17 Central Government vide gazette notification
16. Under both the schemes, NAIS and CCIS,
dated 1st June 2017 notified the Prevention of
administered premium rate was charged and Claim
78ANNUAL REPORT 2017-18
liability beyond premium collected was shared by I.4.9.2 Pradhan Mantri Fasal BIma Yojna (PMFBY)
State and Central Governments.
Pradhan Mantri Fasal Bima Yojana (PMFBY), is
In the meanwhile, Pilot Weather Based Crop primarily an Area Yield Index based scheme, where
Insurance Scheme (WBCIS) in Kharif 2007, Pilot losses (in reference to Pre-Notified Threshold Yield)
Modified National Agricultural Insurance Scheme for a notified area are determined based on requisite
(MNAIS) in Rabi 2009-10 and Coconut Palm number of sample Crop Cutting Experiments (CCEs)
Insurance scheme (CPIS) in 2009-10 was launched. under the General Crop Estimation Survey (GCES).
In 2013-14, WBCIS, MNAIS and CPIS was merged However, to reduce the basis risk (i.e. mismatch in
under the umbrella of National Crop Insurance farmer expectations and payment from scheme)
Program (NCIP). National Agricultural Insurance under the PMFBY, localized losses (due to hailstorm,
Scheme (NAIS) was not part of NCIP and had to be Landslide & Inundation) and Post-Harvest losses
replaced by NCIP from 2013-14. However, NAIS was (due to Cyclone/Cyclonic Rains &Unseasonal Rains)
continued till 2015-16. Under WBCIS and MNAIS, are assessed on Individual farm level survey basis.
Actuarial premium was charged by the Insurer, PMFBY also protects farmers in the event of the
farmer premium was subsidized and Claim liability ‘Insured area being prevented from sowing/ planting’
was fully borne by the insurer. due to deficit rainfall or adverse seasonal conditions.
To provide immediate relief to the insured farmers
Considering the learnings from existing and previous
in case of mid-season adversaries causing expected
schemes and views from various stakeholders,
yield to be less than 50% of Threshold yield., PMFBY
NCIP/NAIS was reviewed and a relatively matured
provides for On-Account partial payment (up to 25%
Scheme “Pradhan Mantri Fasal Bima Yojana
of likely claims) without waiting for final yield data.
(PMFBY)” was launched in 2016. From Kharif 2016,
PMFBY replaced the erstwhile NAIS/MNAIS in NCIP. The PMFBY mandates compulsory coverage for all
WBCIS component under NCIP was also reviewed loanee farmers and non-loanee farmers are also
and premium structure and administrative structure encouraged as well. The scheme is open to all food
was made in line with PMFBY. This reviewed WBCIS & oilseeds crops and annual commercial/
component had been named as Restructured horticultural crops for which past yield data is
Weather based Crop Insurance Scheme (RWBCIS). available and for which requisite number of Crop
Coconut Palm Insurance Scheme (CPIS), a Cutting Experiments (CCEs) are conducted as part
component of NCIP, is being continued without any of the General Crop Estimation Survey (GCES). The
change. unit of insurance is Village/Gram Panchayat for major
crops; and for other crops the unit of size may be
For providing financial protection and comprehensive
above this level.
risk coverage of crop, asset, life and student safety
to the farmer, Unified Package Insurance Scheme Sum insured per hectare under PMFBY is equal to
(UPIS) had also been launched on Pilot basis in the Scale of Finance, which is usually equivalent to
2016. the production cost. PMFBY is market led when it
79ANNUAL REPORT 2017-18
comes to discovery of premium rates. While the wherein deemed losses (In reference to notified
Insurance companies charge the Actuarial Priced Payout-structure) for notified areas are determined
Premium Rate (APR), farmer has to pay a maximum based on weather data from a notified Reference
2% for Kharif and 1.5 % for Rabi crops and 5 % for Weather Station (RWS). Hailstorm / cloud-burst may
commercial/horticultural crops. also be covered as Add-on/Index-Plus products for
those farmers who have already taken normal
The difference between actuarial premium rate and
coverage under WBCIS. Losses of add-on covers
the rate of Insurance charges payable by farmers
are assessed on individual farm level.
shall be treated as Rate of Normal Premium Subsidy,
which shall be shared equally by the Centre and Similar to PMFBY, RWBCIS is a compulsory
State Government. However, the State/ UT coverage for all loanee farmers and optional for non-
Governments are free to extend additional subsidy loanee farmers. Under RWBCIS, Sum Insured (SI)
over and above the stipulated subsidy from its is based on the ‘Scale of finance’ as decided by the
budget. District Level Technical Committee(DLTC). If the
scale of finance is not declared by DLTC the sum
I.4.9.3 Restructured Weather Based Crop
insured will be broadly based on the cost of
Insurance Scheme (RWBCIS)
cultivation of the crops and will be decided by State
Restructured Weather Based Crop Insurance Government.
Scheme (RWBCIS) is primarily envisaged as a
Similar to PMFBY, RWBCIS is market led when it
scheme for those crops for which historical yield data
comes to discovery of premium rates. Here again,
is not available or the yield estimation process does
the Insurance companies charge the Actuarial
not exist, but are also exposed to climatic risks and
Priced Premium Rate (APR), farmer has to pay just
production loss.
2% for Kharif and 1.5 percent for Rabi crops and 5
Restructured Weather Based Crop Insurance % for commercial/horticultural crops.
Scheme is Area Weather Indexed based Scheme,
TABLE I.94
RATE OF INSURANCE PREMIUM UNDER PMFBY & RWBCIS
Season Crops Maximum Premium Payable
by farmers (% of sum insured)
Kharif Food grains & Oilseeds crops 2.0% of SI or Actuarial rate,
whichever is less
Rabi Food grains & Oilseeds crops 1.5% of SI or Actuarial rate,
whichever is less
Kharif & Rabi Annual Commercial/ Annual Horticultural 5% of SI or Actuarial rate,
whichever is less
80ANNUAL REPORT 2017-18
I.4.9.4 Coconut Palm Insurance Scheme 4 to 60 year), grown as mono or intercropped, on
bunds, farms or homestead in contiguous area / plot.
CPIS covers total loss of palm on account of
happening of perils insured leading to death of The Sum Insured and premium under Coconut Palm
insured palm or it is becoming unproductive. The Insurance, under different age groups are as follows:
scheme is available for all Individual farmers/
Coconut Palm Sum insured Premium per
planters / growers offering at least 5 healthy ‘nut’
age in years per palm (`) plant/ year (`)
bearing palms of all varieties i.e. Tall (in age range
4th -- 15th 900 9.00
of 7 to 60 year), Dwarf and Hybrids (in age range of 16th-- 60th 1750 14.00
TABLE I.95
CROP INSURANCE DURING FINANCIAL YEAR 2017-18 AS ON 31-03-2018
(Amount in ` Lakhs)
No. Company PMFBY RWBCIS Total Crop Insurance Business
(PMFBY + RWBCIS + Others)
No of Gross Claim Reported No of Gross Claim Reported No of Gross Claim Reported
Farmers Written Amount No of Farmers Written Amount No of Farmers Written Amount No of
Covered Premium benefi Covered Premium benefi Covered Premium benefi
ciaries ciaries ciaries
1 AIC 15908307 767194 1063055 8928598 200425 21826 44042 17849116123906 789339 123393914201166
2 Bajaj AllianZ 3195195 170481 39211 118103 43439 13052 75642 400102 3238634 183535 114852 518205
3 Bharti Axa 871576 37946 9176 48456 0 0 0 0 871576 37946 9176 48456
4 Cholamandalam MS 862960 37282 13927 201830 58698 12434 2585 335015 921658 49716 16512 536845
5 Future Generali India 0 (137) 6436 36696 0 0 0 0 0 (137) 6436 36696
6 HDFC Ergo 1992514 92877 150717 993439 372699 127257 26481 374930 2364942 220131 177234 1374816
7 ICICI Lombard 2139078 236927 123244 869287 2852 65 242 6343 2163575 237106 138206 1870649
8 IFFCO Tokio 2158269 91267 165233 556470 198363 16462 1795 265 2433267 107861 186304 1358825
9 The New India Assurance # 2907094 178449 121825 354601 0 0 0 0 2907094 178449 121825 354601
10 National Insurance 3613124 135416 117550 1110346 78786 8343 14198 71923 3691910 143760 131748 1182269
11 The Oriental Insurance $ 2104052 82522 113207 645637 0 0 0 0 2104052 82522 113207 645637
12 Reliance 3005156 93428 24431 452332 44742 24692 11520 82411 3049898 118114 47596 1784102
13 Royal Sundaram 6557 189 1 35 0 0 0 0 6557 189 1 35
14 SBI General 705008 51209 6668 36007 164553 18821 3202 48878 869561 70030 9871 84885
15 Shriram General $ 0 (2723) 12739 315468 2432 319 3472 17335 2432 (2403) 16211 332803
16 Tata AIG 1380718 41569 30799 210721 168 7 3684 87665 1380886 41576 34482 298386
17 United Insurance * 3005825 147040 147346 2647401 25770 0 1599 12295 3031595 147040 148945 2659696
18 Universal Sompo 2154521 112542 78807 242306 0 0 19702 0 2334563 124385 98509 258369
Total 46009954 2273479 2224370 17767733 1192927 243278 208164 1615653 47496106 2529159 2605054 27546441
Notes: *Gross Written Premium (GWP) of PMFBY also includes RWBCIS premium for Telangana Kharif 2017. PMFBY & RWBCIS
bifurcation being reconciled on portal as on 31-03-2018.
# No of beneficiaries include only those beneficiaries to whom Claims have been paid during 2017-18.
$ No of farmers covered, No. of Beneficiaries are provisional.
Negative GWP due to reversal of entries (No business underwritten in 2017-18 and reversal pertains to 2016-17 business)
RWBCIS: Total No. of beneficiaries exceeds No. of farmers covered - due to claim payments pertaining to previous years made in
2017-18
81ANNUAL REPORT 2017-18
The scheme is administered by Coconut popular insurance products adhering to certain levels
Development Board (CDB). On premium, 50% of cover, premium and benefit standards. These
subsidy is paid by the Coconut Development Board regulations allow Non-Government Organizations
(CDB) and 25% by State Government concerned (NGOs) and Self Help Groups (SHGs) to act as
and balance 25% of the premium is paid by farmer agents to insurance companies in marketing the
/ grower. In case, the State government does not micro insurance products and also allow both life
agree to bear 25% share of premium, farmers / and general insurers to promote combi-micro
growers have to pay 50% of premium, if interested insurance products (combination of different lines
in insurance scheme. Currently, Agriculture of business).
Insurance Company of India Limited is the sole
I.4.10.3 The Authority undertook the review of the
implementing agency of the scheme.
Micro Insurance Regulations, 2005
I.4.9.5 Unified Package Insurance Scheme (UPIS) comprehensively. In this connection, the Authority
has notified the amended regulations on 13th March
The objective of UPIS is to provide various micro-
2015 wherein it has permitted several more entities
insurance products to the farmers under one
like District Co-operative Banks, Regional Rural
umbrella and make it convenient for them to buy
Banks including Business Correspondents of
insurance variants (PMFBY, PMJJBY, PMSBY,
Scheduled Commercial Banks to be appointed as
House & Contents Insurance, Student Safety
Micro Insurance agents facilitating better penetration
Insurance, Agriculture Tractor Insurance, Agriculture
of Micro Insurance business and included additional
Pump-set Insurance) as per the identified
policyholder protection measures.
requirement at highly competitive premium rates.
UPIS has total 7 sections, out of which PMFBY is a Life Insurance Sector
mandatory and 2 other sections have to be opted
I.4.10.4 While the individual new business under the
for mandatorily.
micro insurance segment for the year 2017-18 stood
I.4.10 Micro Insurance at 8.39 lakh new policies with a premium of `47.04
Crore, the lives covered under group business were
I.4.10.1 In order to facilitate penetration of insurance
5.89 crore with a premium of `1386.37 crores. LIC
to the lower income segments of population, IRDAI
contributed to the business procured in this portfolio
had notified the micro insurance regulations in 2005.
by garnering 5.65 lakh individual policies and `17.87
They provide a platform to distribute insurance
crore of new business premium and in group
products, which are affordable to the rural and urban
insurance 3.73 Crore lives with `631.85 crore
poor and to enable micro insurance to play its role
premium. The private sector contributed the
in financial inclusion.
remaining 2.74 lacs policies and `29.17crore
I.4.10.2 The main thrust of micro insurance premium in individual business and 2.16 crore lives
regulations is protection of low income people with and `754.52 crore premium under group micro
affordable insurance products to help cope with and business.
recover from common risks with standardized
82ANNUAL REPORT 2017-18
I.4.10.5 The number of micro insurance agents as other MI Agents form 85.8%. 38 micro insurance
at 31st March 2018 stood at 52907; of which 19183 products of 17 life insurers were available in the
agents pertained to the LIC and the remaining 33724 market for sale as at 31.03.2018. Of these 38
represented the private sector life insurers. Out of products, 23 are Individual products and the
the total 52,907 MI agents of Life insurance industry, remaining 15 were Group products.
NGOs form 12.7%, Self Help Groups(SHGs) form
0.7%, Micro Finance Institutions (MFIs) form 0.6%,
Business Correspondents (BCs) form 0.2% and
TABLE 1.96
NEW BUSINESS UNDER MICRO INSURANCE PORTFOLIO 2017-18
(Premium in ` lakh)
Insurer Individual Group
Policies Premium Schemes Premium Lives covered
Private Total 274470 2917.02 968 75452.04 21586921
LIC of India 564541 1786.808 892 63184.98 37316017
Industry Total 839011 4703.83 1860 138637.02 58902938
Note: New business premium includes first year premium and single premium.
TABLE I.97
DETAILS OF MICRO INSURANCE AGENTS OF LIFE INSURERS 2017-18
Insurer As on Additions Deletions As on
1st April, 2017 31st March, 2018
Private Total 16422 17928 626 33724
LIC of India 19301 1601 1719 19183
Industry Total 35723 19529 2345 52907
TABLE I.98
DETAILS OF MICRO INSURANCE AGENTS OF LIFE INSURERS 2017-18
Agents Private Total LIC Industry Total
Micro Insurance Agents Total 33724 19183 52907
NGO's 126 6587 6713
SHG's 20 338 358
MFI's 26 294 320
Business Correspondents (BCs) 22 91 113
Other MI Agents 33530 11873 45403
83ANNUAL REPORT 2017-18
TABLE I.99
INDIVIDUAL DEATH CLAIMS UNDER MICRO INSURANCE PORTFOLIO 2017-18
(Benefit Amount in ` Lakh)
Life Insurer Total Claims Claims paid Claims repudiated / Claims Claims pending
rejected Unclaimed at end of year
No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit
Policies Amount Policies Amount Policies Amount Policies Amount Policies Amount
Private Total 2925 271.60 2909 260.41 14 10.59 1 0.17 1 0.43
100% 100% 99.45% 95.88% 0.48% 3.90% 0.03% 0.06% 0.03% 0.16%
LIC of India 7353 1324.68 7228 1304.15 108 12.54 0 0.00 17 7.99
100% 100% 98.30% 98.45% 1.47% 0.95% 0.23% 0.60%
Industry Total 10278 1596.29 10137 1564.56 122 23.14 1 0.17 18 8.42
100% 100% 98.63% 98.01% 1.19% 1.45% 0.01% 0.01% 0.18% 0.53%%
Note: The percentages indicate the share of the respective claims to total claims.
TABLE I.100
GROUP DEATH CLAIMS UNDER MICRO INSURANCE PORTFOLIO 2017-18
(Benefit Amount in ` lakh)
Life Insurer Total Claims Claims paid Claims repudiated / Claims Claims pending
rejected Unclaimed at end of year
No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit
Lives Amount Lives Amount Lives Amount Lives Amount Lives Amount
Private Total 61934 15914.88 61682 15844.67 154 41.90 0 0.00 98 28.31
100% 100% 99.59% 99.56% 0.25% 0.26% - - 0.16% 0.18%
LIC of India 155615 97657.34 155602 97652.54 13 4.80 0 0.00 0 0.00
100% 100% 99.99% 100.00% 0.01% 0.00% - - - 0.00%
Industry Total 217549 113572.22 217284 113497.21 167 46.70 0 0.00 98 28.31
100% 100% 99.88% 99.93% 0.08% 0.04% - - 0.05% 0.02%
Note: The percentages indicate the share of the respective claims to total claims.
TABLE I.101
DURATION - WISE DEATH CLAIMS SETTLED UNDER MICRO INSURANCE
INDIVIDUAL CATEGORY 2017-18
(No. of policies)
Life Insurer Duration
Within 31 to 91 to 181 Days More than Total Claims
30 Days 90 Days 180 Days to 1 Year 1 Year Settled
Private Total 2831 63 15 0 0 2909
97.32% 2.17% 0.52% 0.00% 0.00% 100.00%
LIC of India 7104 95 6 9 14 7228
98.28% 1.31% 0.08% 0.12% 0.19% 100.00%
Industry Total 9935 158 21 9 14 10137
98.01% 1.56% 0.21% 0.09% 0.14% 100.00%
Note: The percentages indicate the share of the respective claims to the total claims settled.
84ANNUAL REPORT 2017-18
TABLE I.102
DURATION - WISE DEATH CLAIMS SETTLED UNDER MICRO INSURANCE
GROUP CATEGORY 2017-18
(No. of lives)
Life Insurer Duration
Within 30 31 to 91 to 181 Days More than Total Claims
Days of 90 Days 180 Days to 1 Year 1 Year Settled
Intimation
Private Total 57060 4535 83 2 2 61682
92.51% 7.35% 0.13% 0.00% 0.00% 100.00%
LIC of India 154805 797 0 0 0 155602
99.49% 0.51% 0.00% 0.00% 0.00% 100.00%
Industry Total 211865 5332 83 2 2 217284
97.51% 2.45% 0.04% 0.00% 0.00% 100.00%
Note: The percentages indicate the share of the respective claims to the total claims
Micro Insurance - General Insurance Sector Sampoorna Griha Suraksha Policy etc.) offered by
the registered general insurance companies
I.4.10.6 Micro Insurance refers to insurance provided
targeting low income segment of the population. The
through Micro Insurance products. General Micro
Authority has permitted Prime Minister Fasal Bima
Insurance Products cover health insurance, cover
Yojana (PMFBY) covering non-loanee farmers, to
for belongings, such as, hut, livestock or tools or
be solicited and marketed by Micro Insurance Agents
instruments, personal accident, either on individual
under IRDAI (Micro Insurance) Regulations, 2015.
or group basis with a maximum amount of cover of
Rupees one lakh and for a period of one year Further, general insurance policies issued to Micro,
Small and Medium Enterprises as classified in
I.4.10.7 The Authority, in order to propagate micro
MSMED Act, 2006 under various lines of general
insurance in various segments, has expanded the
insurance business will also qualify as general Micro
categories of entities or individuals who may be
Insurance business up to `10,000 premium per
appointed as Micro Insurance Agents which include
annum per MSM enterprise.
Non-Government Organizations (NGO), Self-Help
Groups (SHG), Micro-Finance Institutions (MFI), RBI I.4.10.9 Micro insurance being a low price-high
regulated NBFC-MFIs, District Cooperative Banks, volume business, its success and sustainability
Regional Rural Banks, Urban Co-operative Banks, depends mainly on keeping the transaction costs
Business Correspondents (BCs), Primary down. Section 32B and 32C of the Insurance Act,
Agricultural Cooperative Societies (PACs) and other 1938 and IRDAI (Obligations of insurers of Rural
Cooperative Societies. and Social sectors) 2015, stipulate obligations to
insurers in respect of rural and social sector, which
I.4.10.8 There are around ninety-one products (e.g.,
have also contributed substantially to the
Cattle Micro Insurance Policy, Kisan Agriculture
development and promotion of micro insurance
Pumpset Micro Insurance Policy, Janata Personal
products in India.
Accident Sukshma Bima Policy, Silkworm Sukshma
Bima Policy, Sheep & Goat Micro Insurance Policy,
85ANNUAL REPORT 2017-18
Total number of general insurance policies issued 1.4.12 Right to Information (RTI) Act, 2005
by Micro Insurance Agents in the year 2017-18 are
1.4.12.1 During the year 2017-18, the Authority
as follows:
designated the officers shown in Table 1.103 below,
as the Central Public Information Officers (CPIOs)
Channel Private* Public Total
in terms of Section 5(1) of the RTI Act, 2005.
Micro-Insurance 2098 99507 101605
1.4.12.2 During the same period, Mr. Deepak
* Does not include Micro Insurance policies issued by Khanna, DGM was designated as Central Assistant
Standalone health insurers
Public Information Officer for its Delhi Office and
Shri Vikas Rane, Assistant Manager, designated as
I.4.11 DIRECTIONS, ORDERS AND
Central Assistant Public Information Officers for its
REGULATIONS ISSUED BY THE AUTHORITY
Mumbai Office in terms of Section 5(2) of the RTI
I.4.11.1 The Authority issued a number of circulars, Act, 2005 to discharge the functions assigned in
terms of the said section of the RTI Act 2005.
directions and orders during 2017-18. The list of all
such circulars, directions and orders which were Further, during the same period, Mr. A. Ramana Rao,
issued from 1st April, 2017 to 31st March, 2018 are General Manager and Mr. Suresh Mathur, Executive
placed at Annexure No. 8. In addition, the details of Director were designated as First Appellate
Authorities in terms of Section 19(1) of the RTI Act,
all regulations notified by the Authority till 31st March,
2005 to discharge the functions assigned in terms
2018 are placed at Annexure No. 9.
of the said Section of the RTI Act, 2005.
TABLE I.103
LIST OF CENTRAL PUBLIC INFORMATION OFFICERS
Sl. No. Name and Designation of Department
the CPIO (Shri/Smt./Ms.)
1 M. Pulla Rao, ED (Gen.) Accounts, Administration, Buildings, Internal Audit, Corporate Services, Human Resources &
Official Language Implementation
2 S.P. Chakraborty, GM Actuarial
3 T.S. Naik, GM Agency Distribution & Consumer Affairs
4 J. Anita, DGM Communication Wing (Till 27.08.2017)
K.G.P.L. Rama Devi, GM Communication Wing and IMF (W.e.f 28.08.2017)
5 P.K. Maiti, GM Enforcement
Mamta Suri, CGM F & A (Life & Non-life) (Till 27.08.2017)
6 A. Ramana Rao, GM F & A (Life) (W.e.f 28.08.2017)
R.K. Sharma, GM F & A (Non-Life) (W.e.f 28.08.2017)
7 D.V.S. Ramesh, GM Health
8 S.N. Jayasimhan, GM Investment
9 A.R. Nithiyanantham, CGM Information Technology
10 J. Meenakumari, CGM Inspection
11 Randip Singh Jagpal, CGM Intermediaries – Brokers
12 Marimuthu P, AM Intermediaries – Surveyors, IMF & Adjudication (Till 27.08.2017)
Nimisha Srivastava, DGM Intermediaries – Surveyors (W.e.f 28.08.2017)
13 Marimuthu P, AM Adjudication
14 H. Ananthakrishnan, CGM Legal
15 V. Jayanth Kumar, CGM Life
16 Yegna Priya Bharat, CGM Non-Life
17 N.M. Behera, DGM Re-insurance
18 A. Venkateswara Rao, GM Setoral Development & Vigilance
86ANNUAL REPORT 2017-18
PART- II
REVIEW OF WORKING AND OPERATIONS
II.1 Regulation of Insurance and Reinsurance (cid:129) Point of Sale provisions:
Companies
(cid:129) The Insurers shall ensure, that a sale
During the year under review, the Authority has executed over distance-marketing modes
brought out significant changes in the regulatory such as Internet, SMS, Tele Marketing,
stipulations for the purpose of orderly growth of the interactive electronic media etc., shall be
insurance sector. The important regulatory changes undertaken by authorized and qualified
include: sales persons.
II.1.1 IRDAI (Protection of Policyholders’ (cid:129) It is mandatory that the consent of the
Interests) Regulations, 2017 prospect be obtained before canvassing.
Subsequent to the amendment Insurance Laws (cid:129) Care should be exercised to ensure that
(Amendment) Act, 2015, the Authority has notified the prospect contacted has clarity as to
IRDAI (Protection of Policyholders’ Interests) the identity of the insurer, the distribution
Regulations, 2017 channel, the product, benefits and
conditions of offer etc. The canvassing so
Some important improvements brought in by IRDAI
made shall not involve compulsion,
(Protection of Policyholders’ Interests) Regulations,
inconvenience or nuisance of any kind to
2017:
the prospect.
(cid:129) Applicability of Regulations extended to Micro
(cid:129) If a prospect depends on the advice of
Insurance Agents, IMF, Web Aggregators and
sales person, such sales person shall
Insurance Repositories.
advise him dispassionately.
(cid:129) New terms viz. prospect, complaint,
(cid:129) Proposal for Insurance
complainant, distribution channels are defined
to bring in clarity. (cid:129) A proposal for grant of a cover, either for
life business or for general business, must
(cid:129) These Regulations prescribe that all insurers
be evidenced by a written or electronic
shall have in place a Board approved policy to
document.
(cid:129) Enhancing Insurance Awareness
(cid:129) In filling the form of proposal certain
(cid:129) Defining service parameters
provisions related to in indisputability and
(cid:129) Laying down procedure for expeditious nomination are mandatorily to be explained
resolution of complaints to the prospect.
(cid:129) To take steps to prevent mis-selling and
(cid:129) Insurer shall process proposals within 15
unfair business practices.
days and refund outstanding proposal
(cid:129) To ensure proper information flow to deposit if any, immediately after
prospects underwriting decision failing which they are
liable to pay penal interest.
87ANNUAL REPORT 2017-18
(cid:129) Matters to be stated in policies and other address grievances of policyholders
provisos: efficiently and with speed. Every insurer
shall appoint a Grievance Redressal
(cid:129) Matters to be stated in Life insurance
Officer at corporate level.
policies, General Insurance policies and
Health Insurance policies are elaborated.
(cid:129) Every other office of the insurer shall also
(cid:129) Insurers to mention name and contact have a designated Grievance Redressal
details of the sales person in the policy Officer who shall be head of that office.
document.
(cid:129) Every insurer shall have in place system
(cid:129) Life Insurers to inform about free look including IT systems and a procedure for
cancellation provision receiving, registering and disposing of
grievances in each of its offices.
(cid:129) Every insurer shall keep the insured
informed on the requirements to be fulfilled
(cid:129) All insurers shall necessarily form part of
regarding lodging of a claim and the
the Integrated Grievance Management
procedures to be followed by him so as to
System (IGMS) put in place by the
settle claim early
Authority to facilitate the policyholder to
register/ track his complaint on-line.
(cid:129) Claim Procedures in Life, General and
Health Insurance Policies:
II.1.2 IRDAI (Appointed Actuary) Regulations,
2017
(cid:129) Claims procedures in respect of life,
general and health insurance policies are
The Authority notified IRDAI (Appointed Actuary)
updated and timelines for conducting
Regulations, 2017 on 15/5/2017 which has
investigation, settlements of claims are
superseded the then existing IRDA (Appointed
revised so as to ensure that claims are
Actuary) regulations, 2000. The key changes to
processed efficiently and with speed.
these regulations include:
(cid:129) The insurers to settle claims as per the
a. changes to duties and obligations of Appointed
stipulated time limits. In case of delay, the
Actuary (such as coordination of the calculation
insurers are liable to pay penal interest
of mathematical reserves, to assess the
from the date of receipt of last necessary
sufficiency and quality of the data used in the
document from the claimant.
calculation of mathematical reserves, ensuring
the appropriateness of the methodologies and
(cid:129) General Principles:
underlying models used, as well as the
A revised general principles provision is included assumptions made in the calculation of
which reads as follows: mathematical reserves etc.);
Every life insurer shall inform policyholders whose b. Introduction of post fellowship experience in
participating policies are in force, at least once in annual statutory valuation;
a year, the bonus accrued to their policies or the
c. Introduction of business continuance clause
value of their ULIP policies as the case may be,
where no insurer/reinsurer shall carry on the
through a letter/e-mail/any other electronic mode.
business of insurance/reinsurance without an
(cid:129) Grievance Redressal Procedure Appointed Actuary for a period exceeding one
year and;
(cid:129) Every insurer shall have in place proper
procedures and effective mechanism to
88ANNUAL REPORT 2017-18
d. transitory provisions where the Chairperson of (cid:129) An investor can hold up to 25% equity stake in
the Authority may issue guidelines from time to multiple broking companies.
time to deal with specific situations (for ex.,
(cid:129) The total capital holding of all investors taken
insurers are not able to appoint Actuaries) so
together cannot exceed 25% in the broking
that the statutory works are not hampered.
company
II.1.3. IRDAI (Insurance Brokers) Regulations, (cid:129) Tagging of policies sold by Insurance broker to
2018 Broker Qualified Person and POS to check mis-
selling.
During the year under review, the Authority has
brought out IRDAI (Insurance Brokers) Regulations, (cid:129) Increase in FDI based on Central Government
2018, which have superseded IRDA (Insurance notification.
Brokers) Regulations, 2013. The new regulations
(cid:129) Manner of calculation of equity capital held by
brought significant changes in the regulatory
foreign investors specified.
stipulations to supervise and monitor insurance
(cid:129) Compliance to Indian owned and Indian control
broker as an insurance intermediary. The salient
laid down.
features of the regulations are as under:
(cid:129) Prior approval of the Authority required:
(cid:129) Modification of definition of direct/reinsurance/
composite broker. a. where after the transfer the total paid up equity
(cid:129) Replacement of the word “license” with words holding or contribution of the transferee in the
“certificate of registration”. shares of the broker is likely to exceed 20% of
their paid up capital or contribution;
(cid:129) Definition of “Broker Qualified Person”, “Fee”
and “Risk Management” is introduced. b. Where the nominal value of shares intended to
be transferred by an individual, firm, group
(cid:129) Professional Indemnity insurance coverage
under the same management jointly or severally
limits changed.
exceeds 10% of the paid-up capital or
(cid:129) IT infrastructure made one of the factors for
contribution.
consideration of application.
(cid:129) No change in net worth and deposit
(cid:129) Broker Qualified person to be trained and pass
requirements.
exam and have certificate based on Aadhaar
(cid:129) Limit for claims consultancy increased to `10
number from NIA, Pune or any other body that
crores.
may be recognized by the Authority.
(cid:129) Introduction of Board approved policy for
(cid:129) Minimum paid up capital/contribution – Direct
comparison and distribution of insurance
broker: `75 lakhs, Reinsurance broker: `4
products.
crores and Composite broker: `5 crores.
(cid:129) Co-broking allowed based on written consent
(cid:129) Concept of promoter and investor introduced.
of client and on the basis of agreement. No co-
(cid:129) Cooling off period of one year on rejection or
broking for retail clients.
withdrawal of application. It is 2 years in case
(cid:129) CEO & CFO of Insurers and CEO & CFO of
foreign investor exits the venture.
Insurance broker to submit an annual certificate
(cid:129) A person can be a promoter only in one
on exception basis in case they pay
Insurance broking company.
remuneration and other payments in excess of
stipulated limits.
89ANNUAL REPORT 2017-18
(cid:129) Regulatory framework for outsourcing of Some of the salient features of the regulations are
activities of insurance broker. us under:
(cid:129) Business Analytics Project (BAP) filings made (cid:129) The definition of Authorized verifier included in
mandatory. the regulations and the word license is replaced
(cid:129) Regulatory framework for Amalgamation and with the words Certificate of Registration in line
merger & acquisition and transfer of business. with Act requirements.
(cid:129) No payment of annual fees. Upfront fee for a (cid:129) The minimum paid-up capital and net worth is
period of 3 years i.e., for the validity period of increased to `25 lakhs from `10 lakhs.
Certificate of Registration is introduced for
(cid:129) The order rejecting the application for
administrative convenience.
certificate/renewal of registration shall be
(cid:129) Outsourcing of non-core activities by insurance communicated to the applicant within 30 days
brokers introduced. of such rejection in writing stating the grounds
(cid:129) Obligations of insurers and brokers within the of rejection.
same group who hold respective registrations
(cid:129) The applicant can appeal to the Securities
have been specified.
Appellate Authority against the order of the
(cid:129) Online Sales, Tele-Marketing and Distance Authority as per the provisions of the Act.
Marketing to be in accordance with Insurance
(cid:129) The FDI limit is increased from 26% to 49%
Web Aggregator Regulations and Guidelines
and manner of calculating the equity capital held
on Insurance e-commerce.
by foreign investor in the web aggregator
(cid:129) Outsourcing of only tele-calling to the extent defined on lines with Indian insurance
allowed to web aggregator proposed in order companies.
to maintain parity in tele-marketing and distance
(cid:129) The share of the web aggregator not to be
marketing space.
pledged and to remain unencumbered and prior
(cid:129) Foreign to foreign reinsurance business for
approval of the authority is required where after
reinsurance/ composite broker allowed.
the transfer the total paid up equity holding or
(cid:129) Principal Officer, Broker Qualified Person and contribution of the transferee in the shares of
PoS to have certificate based on aadhaar the web aggregator is likely to exceed 5% of
number in order to develop a common database their paid up capital or contribution.
for all intermediaries.
(cid:129) Criteria for renewal of certificate of registration
II.1.4 IRDAI (Insurance Web Aggregators) is defined in Chapter III by replacing the annual
Regulations, 2017. fees with one-time renewal fee of `25,000 for 3
years.
The Authority has notified the IRDAI (Insurance Web
Aggregators) Regulations, 2017 superseding the (cid:129) Web Aggregators to have a board approved
existing regulations. These regulations were policy on the manner of soliciting and servicing
approved by the Authority and gazette notification insurance products and requirement of
was issued on 13th April 2017 Professional Indemnity policy is elaborated.
90ANNUAL REPORT 2017-18
(cid:129) The certificate of compliance to be submitted (cid:129) Process and procedures for voluntary surrender
by the Principal Officer to the Authority at the of certificate defined in the regulation.
end of every financial year.
II.1.5 IRDAI (Insurance Surveyors and Loss
(cid:129) Web Aggregators shall enlist the only those Assessors) (First Amendment) Regulations,
insurers that are granted certificate of 2017
registration by the Authority.
IRDAI notified IRDAI (Insurance Surveyors and Loss
(cid:129) Tele-callers replaced by Authorized verifiers to Assessors) (First Amendment) Regulations, 2017
sell policies through tele-marketing channel and on 5th May 2017. Following are the key amendments:
roles of Authorized verifier defined.
1. Schedule – I, Annexure 1 on Qualification
(cid:129) No charges shall be paid for transmission of criteria amended mainly to specify that the
leads by the Insurance Web Aggregator to the technical degree and diploma should be
Insurer. obtained from
(cid:129) Leads which are converted into sale of a. AICTE approved Institutions or
insurance policies will entitle the Insurance Web
b. Universities recognized by University Grants
Aggregator to earn remuneration as applicable
Commission or
to insurance intermediaries.
c. Institutions of national importance recognized
(cid:129) A flat fee of not exceeding Fifty thousand per
by Ministry of Human Resources Development
year towards each product displayed by the
(MHRD)
Insurance Web Aggregator in the comparison
charts of its web site subject to an overall ceiling 2. Regulation 3(8) (c) is introduced to specify that
as specified under the rewards portion specified after enrolment as trainee surveyor, an
in the Insurance Regulatory and Development applicant is required to apply for license after
Authority of India (Payment of Commission or completion of training and exams within 5 years
Remuneration or reward to insurance agents from the date of enrolment.
and insurance intermediaries) Regulations,
3. Regulation 6(3)(a)(v) was amended to address
2016 issued by Authority.
the concern of practicing surveyors on
(cid:129) Insurance Web Aggregator can undertake qualification requirements. The categorization
Outsourcing functions to provide ‘Insurance letter issued by the Authority stating eligible
Services’ as in Form U (Insurance outsourcing departments in accordance with categorization
services that can be undertaken by Insurance made vide IRDA/Order/SLA/30/3/2002 dated
Web Aggregators) of Schedule VII of these 30th March 2002 can be deemed as proof of
regulations in respect of policies procured qualification.
through them. In such instances, the insurer
4. Regulation 17(3) is amended to specify that a
may pay the Insurance Web Aggregators,
licensed surveyor who provides training should
reasonable service charges at mutually agreed
have held a valid license to act as surveyor and
rates fixed in the service agreements with the
loss assessor in that particular department for
Insurance Web Aggregators.
last 8 years.
91ANNUAL REPORT 2017-18
5. Authority prescribed format for submission of III – General and Stand Alone Health Insurance (as
Half-yearly report as per the Form-IRDAI-19 applicable)
under Schedule II of these regulations as under
II.1.7 IRDAI’s (Payment of commission,
within 45 days from the end of the half year
remuneration or reward to insurance agent or
under Regulation 21(4).
insurance intermediaries) (Second Amendment)
II.1.6 IRDAI (Payment of commission, Regulations, 2016
remuneration or reward to insurance agent or
IRDAI notified IRDAI’s (Payment of commission,
insurance intermediaries) (First Amendment)
remuneration or reward to insurance agent or
Regulations, 2016
insurance intermediaries) (Second Amendment)
The Authority undertook the first amendment to the Regulations, 2016 on 30th October 2017. Following
IRDAI (Payment of commission, remuneration or are the key amendments:
reward to insurance agent or insurance
The maximum commission or remuneration as a
intermediaries) Regulations, 2016 in April, 2017.
percentage of premium that is allowed for health
Regulations 5(f) was replaced to read as under:
insurance by general insurers or stand-alone health
“The maximum rate of commission or remuneration insurers is as under:
payable by an insurer shall not exceed either: -
S. Line of business Maximum Commission/
i) The maximum specified by these regulations;
No. remuneration payable to
or insurance agents/
insurance intermediaries
ii) Any other rate of commission or remuneration
5 Health – Govt As specified in the
approved by the Authority under any other
Scheme Government Scheme/
Regulations or guidelines Notification else as per
Health – Group (Employer-
iii) whichever is lower.”
Employee only) –
Annual segment
The Authority also replaced the word “corporate” by
the word “commercial” In Schedule – III, General The maximum commission or remuneration as
Insurance (Other than motor) – Reg. 5(d) and Table a percentage of premium that is allowed for
general insurance (motor) is as under:
S. Line of business Maximum Commission/ remuneration payable to insurance agents/
No. insurance intermediaries
Motor (Comprehensive)* Motor (Stand-alone TP)
Other than 2-wheeler Other than 2-wheeler
2-wheeler 2-wheeler
1 Certificate of registration 15% (OD portion) + 17.5% (OD portion) +
–1stto 3rd year (Nil - TP portion) (Nil - TP portion) 2.5% 2.5%
2 Certificate of registration 15% (OD portion + 17.5% (OD portion +
– 4thyear onwards 2.5% (TP portion) 2.5% TP portion) 2.5% 2.5%
92ANNUAL REPORT 2017-18
II.1.8 Revised guidelines on insurance c. any other facility recognized by the Authority'
repositories and electronic issuance of
3. Email id / Mobile Number for Opening of eIA
insurance policies dated 29th May, 2015 and
(electronic Insurance Account) - the Authority
guidelines on insurance e-commerce dated 9th
allows opening of elA (electronic Insurance
March. 2017 (The Circular issued on 7th
Account) on the basis of either email id or
September, 2017)
mobile number with only one OTP being sent
The Authority as part of its developmental mandate to email id/ mobile number.
and to reach out to the policyholders in a cost
II.1.9 IRDAI (Investment by Private Equity Funds
efficient manner has taken number of steps. This
in Indian Insurance Companies) Guidelines, 2017
includes issuing revised guidelines on insurance
repositories, insurance e-commerce, issuance of The Authority has issued IRDAI (Investment by
electronic insurance policies, maintenance of Private Equity Funds in Indian Insurance
electronic records, etc. Companies) Guidelines, 2017 specifying the
following:
1. Electronic Signature – The Authority in order to
facilitate opening of e-insurance account (cid:129) These Guidelines are applicable to unlisted
through online/ electronic means, the Authority insurance companies and to the Private Equity
permits validation by 'One Time Password' for Fund who have invested in the unlisted
elA opening as an alternative to e-signature. insurance companies either as investor or as
promoter.
2. One time Password (OTP) based eKYC -the
Authority substitutes the clause 22(d)(xi) of the (cid:129) Private Equity Fund may invest directly in the
revised guidelines on insurance repositories insurance company in capacity of investor
and electronic issuance of insurance policies subject to compliance of certain conditions such
dated 29.05.2015 for opening of an elA; as:
Compliance to the KYC/ AML guidelines issued (cid:129) The Fund shall not hold shares in an insurance
by the Authority can be undertaken by any of company exceeding ten percent of the paid up
the following facilities: equity share capital of insurance company;
a. e-KYC facility offered by UIDAI as given in (cid:129) All Indian investors including the investment by
Authority's circular no. IRDN SDD/ CIR/ MISC/ the Private Equity Fund/s jointly shall not hold
204/ 08/ 2017 dated 31st August, 2017. more than twenty-five percent of paid up equity
share capital of the insurance company.
b. valid KYC documents permitted under
Authority's circular no. IRDN SDD/ GDU CIR/ (cid:129) A Private Equity Fund is allowed to invest in
175/ 09/ Oct/ 2015 dated 28th September, 2015 insurance company through a Special Purpose
or by any other circular issued by the Authority Vehicle either in capacity of promoter subject
from time to time. to compliance of certain conditions such as:
93ANNUAL REPORT 2017-18
a. A Private Equity Fund shall not be a promoter distinguished from one another with a suitable
for not more than one life insurance, General name change or pre-fix or suffix as the case
insurance, stand-alone health insurance and may be and need to have a separate Unique
reinsurance company; Identification Number (UIN). All the insurers,
therefore, shall resubmit the list of existing
b. The investments made shall be subject to a lock
products being sold as Retail and Commercial
in period of five years. The lock in period shall
on or before 01st October, 2017. The required
be applicable on SPV and also on the
UIN for the product will be allotted by the
shareholders of the SPV;
Authority through BAP.
c. The above said lock in period shall not be
(b) Para 13 under Schedule III of the said
applicable on the shareholder/s of SPV holding
Guidelines requires the Add-On Cover/s to
less than 10 percent capital of SPV;
follow the basic product, its classification, filing
d. Any induction of new shareholder/s in SPV by and approval procedures.
issue of fresh shares beyond 25 percent shall
For the time being, till the reclassification of products
require the prior approval of the Authority.
is completed, the Add-on covers developed
(cid:129) The investment shall be subject to compliance
exclusively for commercial customers with a policy
of Fit and Proper criteria. A declaration for “Fit
Sum Insured of above 5 Crores under the products
& Proper” shall be filed with the Authority.
currently classified as Retail products may be filed
as per Use and File procedures.
II.1.10 Partial Modification to the Guidelines
IRDAI/NL/GDL/F&U/030/02/2016 dated 18th
All other procedures set out in the said Guidelines
February 2016 on Product Filing Procedures for
will continue to apply.
General Insurance Products
II.2 Individual Agents associated with the
Classification of Products
Insurance Business
The Authority, vide IRDA/NL/GDL/F&U/109/05/2017
dated 3rd May 2017, has issued clarifications to the Life Insurers
Guidelines on Product Filing Procedures for General
II.2.1 The number of individual agents as at 31st
Insurance Products which were issued vide IRDAI/
March 2018 were 20.83 lakhs as against 20.89 lakhs
NL/GDL/F&U/030/02/2016 dated 18th February
as on 31st March, 2017. While the private life insurers
2016.
recorded a decline of 2.45%, LIC recorded a growth
In partial modification of the Para 5 of the said
of 1.56%. At the end of the year 2017-18, while the
Guidelines, the Authority issued the following
number of agents with LIC stood at 11.49 lakhs, the
clarifications.
corresponding number for private sector insurers
(a) General Insurance products that are classified
was 9.34 lakhs.
as both Retail and Commercial need to be
94ANNUAL REPORT 2017-18
BOX ITEM 3
THE STANDING COMMITTEE ON ACCOUNTING ISSUES (SCAI)
The Standing Committee on Accounting Issues (SCAI) had been constituted by the Authority to have advice on
policy matters relating to the following:
a. specific needs relating to Accounting, Auditing and Investments of the Insurance Industry covering Life,
General and Reinsurance Business;
b. Study of IFRS specific to “Insurance Contracts” and “Financial Instruments” and suggest necessary changes
in the existing Accounting Regulations;
c. adoption of Accounting & Audit Standards for Life, General and Reinsurance Business;
d. Insurance Industry Specific Standards, Valuation procedure, Disclosure Norms under Accounting Regulations;
e. Norms for Revenue recognition, provisioning and assets classification;
f. Regulations of Accounting and Investments of Life, General and Health Insurers and Reinsurers;
g. Recommending best practices under Investment Risk Management Systems and Process;
h. Periodical reporting with formats for such reporting under Accounting and Investment Regulations;
i. Other policy issue relating to Accounting, Investment and Audits as may be referred to the Committee
The Standing Committee on Accounting Issues (SCAI) was reconstituted during the year 2017-18. The members
of the Committee holding position other than in their ex-officio capacity for more than 5 years have been retired
and in their place, new members have been inducted. The newly elected Members and Chairman of the Committee
will hold office for a maximum period of three years. However, they are eligible for re-appointment. The Committee
is chaired by Shri M M Chitale who is past president of ICAI and practicing chartered accountant.
II.2.2 During the year 2017-18, the total number of
TABLE II.2
agents appointed in Life Industry were 6.04 lakhs
DETAILS OF INDIVIDUAL AGENTS OF LIFE
and the number of agents terminated were 6.10
INSURERS 2017-18
lakhs. While private insurers appointed 3.38 lakh
Agents Private LIC of Industry
agents and terminated 3.62 lakh agents whereas Total India Total
LIC appointed 2.66 lakh agents and terminated 2.48 Total
Individual Agents 933856 1148811 2082667
lakh.
Male 646942 856505 1503447
TABLE II.1 Female 286914 292306 579220
DETAILS OF INDIVIDUAL AGENTS OF LIFE
II.2.3 Out of the total 20.83 lakh individual agents of
INSURERS 2017-18 - SECTOR-WISE
Life insurance industry, 72% were male and 28%
Insurer As on Additions Deletions As on
1st April, 31st March, were female. For LIC, the proportion of Male and
2017 2018 Female individual agents is at 75% and 25%. In the
Private Total 957341 338165 361650 933856 case of private total, the Male &female proportion is
LIC of India 1131181 265806 248176 1148811 at 69% and 31%.
Industry Total 2088522 603971 609826 2082667
95ANNUAL REPORT 2017-18
Corporate Agents procured 95.59% of its individual NB premium
through individual agents while the share of those
II.2.4 As on 31st March 2018, the Authority has
in private sector was 27.87%.
issued Certificate of Registration to 526 Corporate
Agents under IRDAI (Registration of Corporate The share of corporate agents, which was at 24.78%
Agents) Regulations, 2015. Out of 526 Corporate during 2016-17, it has increased to 26.50% in the
Agents, there are 238 Banks and 288 NBFCs/Co- year 2017-18. The share of corporate agents in the
operative Societies/Limited Liability Partnerships new business premium procured by the private life
Firms and other eligible firms. insurers was significant at 57.07 per cent in 2017-
18 (56.51 percent in 2016-17). On the other hand,
TABLE II.3
LIC had only 2.68 percent.
DETAILS OF CORPORATE AGENTS 2017-18
Details Banks NBFCs Total Between banks and other corporate agency
and others
channels, the share of banks in total new business
No of Corporate Agents 238 288 526
had gone up from 23.48% in 2016-17 to 25.19% in
Category - LIFE 17 58 75
2017-18.
Category - GENERAL 19 43 62
Category - HEALTH 0 1 1
Category - COMPOSITE 202 186 388 The share of Insurers’ Direct Selling channel
Corporate Agents with increased from 4.54% in 2016-17 to 5.60% in 2017-
open Architecture 110 131 241
18. There is no change in the percentage of Online
Sales channel and it is at 0.54% in 2017-18 as in
Channel-wise New Business performance
the previous year. While private insurers procured
II.2.5 Individual New Business-Life 10.91% of their new business premium through
direct selling, LIC procured 1.47%. Private Insurers
The contribution of individual agents to the individual
procured 1.03% of their new business premium
NB premium has decreased to 65.93% during the
through Online Sales while LIC procured 0.16%
year 2017-18 compared to 68.79% in 2016-17. LIC
through the same.
TABLE II.4
INDIVIDUAL NEW BUSINESS PERFORMANCE OF LIFE INSURERS
FOR 2017-18 CHANNEL-WISE
(Figures in percent of Premium)
Life Insurer Individual Corporate Brokers Direct MI Common Web IMF Online Point Total Referrals
Agents Agents Selling Agents Service Aggreg- of Individual
Centres ators Sales New
Banks Others* (CSCs) Business
Private Total 27.87 54.15 2.92 2.87 10.91 0.00 0.01 0.17 0.08 1.03 0.00 100.00 0.01
LIC# 95.59 2.61 0.07 0.05 1.47 0.03 0.00 0.00 0.01 0.16 0.00 100.00 0.00
Industry Total 65.93 25.19 1.32 1.28 5.6 0.02 0.002 0.07 0.04 0.54 0.001 100.00 0.004
*Any entity other than banks but registered as a corporate agent.
# Does not include its overseas new business premium.
Note:1) New business premium includes first year premium and single premium.
2) The leads obtained through referral arrangements have been included in the respective channels.
96ANNUAL REPORT 2017-18
CHART II.1 INDIVIDUAL NEW BUSINESS CHART II.4 GROUP NEW BUSINESS PERFORMANCE
PERFORMANCE OF PRIVATE LIFE INSURERS OF PRIVATE LIFE INSURERS 2017-18
2017-18 CHANNEL-WISE CHANNEL-WISE
1.29%
■ Individual Agents
■ Corporate Agents -Banks
■ Corporate Agents -others ■ Individual Agents ■ Direct Selling
■ Brokers
■ Direct Selling ■ Brokers ■ Corporate Agents -Others
■ Others (Ml Agents. Common Service Centres (CSCs). ■ Corporate Agents Banks ■ Ml Agents
Web Aggregators. I MF. Online and Point of Sales)
CHART II.2 INDIVIDUAL NEW BUSINESS CHART II.5 GROUP NEW BUSINESS PERFORMANCE
PERFORMANCE OF LICI 2017-18 CHANNEL-WISE OF LIC OF INDIA 2017-18 CHANNEL-WISE
■ Individual Agents
■ Corporate Agents -Banks
■ Corporate Agents -Others ■ Individual Agents ■ Direct Selling
■ Brokers
■ Direct Selling ■ Brokers ■ Corporate Agents -Others
■ Other (Ml Agents. Common Service Centres (CSCs). ■ Corporate Agents Banks ■ Ml Agents
Web Aggregators. IMF. Online and Point of Sales)
CHART II.3 INDIVIDUAL NEW BUSINESS CHART II.6 GROUP NEW BUSINESS PERFORMANCE
PERFORMANCE OF LIFE INDUSTRY -2017-18 OF LIFE INDUSTRY 2017-18 CHANNEL-WISE
CHANNEL-WISE
1.31%
0.93%
■ Individual Agents
■ Corporate Agents -Banks
■ Corporate Agents -Others
■ Brokers ■ Individual Agents ■ Direct Selling
■ Direct Selling ■ Brokers ■ Corporate Agents -Others
■ Other (Ml Agents. Common Service Centres (CSCs).
Web Aggregators. I MF. Online and Point of Sales) ■ Corporate Agents Banks ■ Ml Agents
97ANNUAL REPORT 2017-18
The contribution of Brokers channel was 0.93% to
The contribution of Brokers, MI Agents, Common
the industry NB premium under group business.
Service Centers (CSCs), Web-Aggregators and IMF
channels are 1.28%, 0.02%, 0.002%, 0.07% and
II.3 Intermediaries associated with the Insurance
0.04% respectively to the life insurance industry NB
Business
premium under individual business.
INSURANCE MARKETING FIRM
II.2.6 Group New Business
II.3.1 Insurance Marketing Firm (IMF) is a distribution
Direct selling continues to be the dominant channel
channel introduced by the Authority in 2015. IMFs
of distribution for group business, with a share of
are registered by the Authority under Insurance
94.38% of premium during 2017-18. The
Regulatory and Development Authority of India
corresponding share in the previous year was
(Registration of Insurance Marketing Firm)
95.45%. This channel contributed 74.41% and
Regulations, 2015 (IMF Regulations), and the
98.96% of the group NB premium of the private and
registration is district-wise. The IMFs follow the
public sectors respectively.
concept of open architecture, wherein they are
allowed to solicit and procure insurance products of
Another important distribution channel for Group
maximum of two life, two general and two health
business of the private insurers was Banks. During
insurance companies at any point of time. IMFs are
the year 2017-18, Banks contributed 12.57% of the
allowed to procure all types of life insurance
total group new business premium in case of the
products, whereas, only retail lines of insurance
private insurers whereas it was 9.67% in the previous
products are permitted in respect of general
year.
insurance. IMFs can also distribute other financial
LIC procured 0.99% of the group business premium products as permitted by RBI, SEBI, PFRDA,
through its traditional individual agency force while Department of Posts, etc. after obtaining due
private insurers procured 0.95%. approvals from such authorities. It is envisaged to
TABLE II.5
GROUP NEW BUSINESS PERFORMANCE OF LIFE INSURERS
FOR 2017-18 CHANNEL-WISE
(Figures in percent of Premium)
Life Insurer Individual Corporate Brokers Direct MI Common Web IMF Online Point Total Referrals
Agents Agents Selling Agents Service Aggreg- of Group
Centres ators Sales New
Banks Others* (CSCs) Business
Private Total 0.95 12.57 7.01 4.82 74.41 0.18 0.00 0.00 0.00 0.00 0.06 100.00 0.00
LIC# 0.99 0.00 0.01 0.04 98.96 0.00 0.00 0.00 0.00 0.00 0.00 100.00 0.00
Industry Total 0.98 2.35 1.31 0.93 94.38 0.03 0.00 0.00 0.00 0.00 0.01 100.00 0.00
# Does not include its overseas new business premium.
*any entity other than banks but licensed as a corporate agent.
Note: 1) New business premium includes first year premium and single premium.
2) The leads obtained through referral arrangements have been included in the respective channels.
98ANNUAL REPORT 2017-18
TABLE II.6
BUSINESS PERFORMANCE OF INSURANCE MARKETING FIRMS IN 2017-18*
Category Life General Health Total
No. of policies 2962 13134 1450 17546
New Business (In ` lakhs) 2064 1067 179 3311
Renewal Premium (In ` lakhs) 350 70 26 446
* The data for FY 2017-18 is provisional and has been collected from 88 IMFs.
be a one stop shop, offering financial products IMF/092/06/2018 dated 15th June, 2018. The
required at various stages of the life of an individual. Committee was constituted to review the IMF
Regulations, in order to enable the channel to evolve
The Authority issues ‘No Objection Certificates
and fulfil the objective of spreading insurance
(NOCs)’ for registration of the company with
coverage to all stratum of the society. The mandate
Registrar of Companies, and processes applications
for the Committee includes revisiting the IMF
for registration of IMFs. Applications for both are
Regulations; coming up with recommendations for
received through an online portal
issuing guidelines on the areas on which the
‘www.imf.irda.gov.in’.
Regulations are silent; and coming up with
II.3.2 The Authority conducted three workshops for recommendations on further strengthening the
the IMFs at Chandigarh, Ahmedabad and channel.
Hyderabad in May, 2018. The objective of the
II.3.3 In the financial year 2017-18, the Authority has
workshops was to generate awareness about IMFs
issued 98 IMF registrations, and the cumulative
and sensitize the existing IMFs about compliance
number of registrations as on 31st March, 2018 is
requirements. Operational feedback was obtained
212. 356 NOCs were issued by the Authority in the
from the IMFs.
financial year 2017-18, and the cumulative number
The Authority has constituted a Committee for review of NOCs issued as on 31st March, 2018 is 990. For
of IMF Regulations vide Order Ref: IRDA/INT/ORD/ the period, the business generated by IMFs is as
TABLE II.7
COMPARATIVE BUSINESS PERFORMANCE OF INSURANCE MARKETING FIRMS
Category No. of policies New Business (` in lakhs)
Life 2016-17* 2612 1432
2017-18 2962 2064
% increase 13.40 44.13
General 2016-17* 5015 368
2017-18 13134 1067
% increase 161.89 190.00
Health 2016-17* 1358 131
2017-18 1450 179
% increase 6.77 37.20
*The data for FY 2016-17 is provisional and was collected from 91 IMFs.
99ANNUAL REPORT 2017-18
TABLE II.8
STATE-WISE PRESENCE OF INSURANCE
CHART II.7
POLICIES ISSUED BY THE INSURERS THROUGH IMF MARKETING FIRMS
Sl. State / No. of IMFs No. of IMFs
No. Union Territory (as on (as on
31.03.2017) 31.03.2018)
15000
1 Andhra Pradesh 3 6
■2016-17 13134
10000 2 Bihar 3 5
3 Chandigarh 1 5
5000
1358 1450 4 Delhi 18 31
0%
Life General Health
5 Chattisgarh 0 2
6 Gujarat 9 20
CHART II.8
7 Haryana 6 8
NEW BUSINESS PREMIUM COLLECTED
THROUGH IMF ( IN `LAKHS)
8 Himachal Pradesh 0 2
9 Jammu & Kashmir 0 2
2500
2064.1 10 Jharkhand 0 1
2000
1500 11 Karnataka 4 5
1000
12 Kerala 3 5
500
130.76 179.4
13 Madhya Pradesh 2 2
Life General Health
14 Maharashtra 24 38
■2016-17 12017-18
15 Orissa 0 1
shown in Table II.6. The state-wise presence of IMFs 16 Punjab 6 12
as on 31.03.2017 and on 31.03.2018 is shown in
17 Rajasthan 1 3
Table II.8. District- wise presence of IMFs is shown
in the map in Chart II.9. 18 Tamil Nadu 5 5
19 Telangana 6 16
For the financial year 2017-18, growth in terms of
both volume of business and the geographical
20 Uttar Pradesh 19 32
spread of IMFs is observed. Table II.7 shows
21 Uttarakhand 0 2
comparative business performance of Insurance
Marketing Firms. Chart II.7 shows comparison of 22 West Bengal 4 9
number of policies. Chart II.8 shows comparison of
Total 114 212
First Year Premium.
100ANNUAL REPORT 2017-18
CHART II.9 :
MAP OF DISTRICT-WISE PRESENCE OF IMFs AS ON 31.03.2018
~,. ).
,Al:fl.lNACHA.
,.. f' P'R-10 SIH .....
Bhutan , .....
f
A
GH~LAY NO
g'.lad , ~
TRI ,c:
GOA
- - - - - - ~ ---··
Disclamer: The above map is only representative and does not show actual geographical boundary.
101ANNUAL REPORT 2017-18
Surveyors and Loss Assessors TABLE II.9
LICENSES ISSUED TO SURVEYORS
II.3.4 Surveyors and Loss Assessors (SLA) play an
AND LOSS ASSESSORS
important role in the process of evaluation and
2016-17 2017-18
settlement of claims pertaining to general insurance
Fresh Licenses
policies. Section 64UM of the Insurance Act, 1938 Individual 255 285
provides that no person shall act as a surveyor or Corporate 8 9
loss assessor in respect of general insurance Sub total 263 294
business unless he holds a valid license. No claim Renewals
Individual 1360 1444
in respect of a loss which has occurred in India and
Corporate 15 24
requiring to be paid or settled in India equal to or Sub total 1375 1468
exceeding an amount specified in the regulations
Trainee Enrolments 1129 1291
by the Authority in value on any policy of insurance,
arising or intimated to an insurer shall, be admitted by IIISLA, etc. Such complaints are forwarded to
for payment or settled by the insurer unless he has respective insurance companies and IIISLA for
obtained a report, on the loss that has occurred, resolution at their end. Policyholders also complain
from a person who holds a license to act as a against surveyor’s/surveyors’ firms on non-receipt
surveyor or loss assessor. As per Section 64 UM of of copy of survey report, delay in issuance of survey
Insurance Act, 1938 amended vide The Insurance report, misconduct, violation of IRDAI Surveyor
Laws (Amendment) Act, 2015, academic Regulations etc., such complaints are taken up with
qualification as specified by the Authority and surveyors for speedy disposal of the issues. Apart
membership of Indian Institute of Insurance from above, various RTI’s and references are also
Surveyors and Loss Assessors (IIISLA) are statutory received by the department against surveyors and
requirements for a person to act as a surveyor and corporate surveyor firms.
loss assessor.
During the year 2017-18, the authority received 102
Grievances – Surveyors and Loss Assessors complaints, 100 have been addressed and 2 were
outstanding as on 31st March, 2018.
II.3.5 Surveyor Licensing Department of the
Authority receives grievances from surveyors Insurance Brokers
regarding empanelment for survey jobs, nonpayment
II.3.6 The Authority allowed Insurance Brokers to
of survey fee by insurance companies, denial of
operate in the Indian market since 2003 and the
membership by IIISLA to in house surveyors &
first Broking license was issued on 30th January,
lapsed license holders, denial of level of membership
TABLE II.10
GRIEVANCES RELATED TO SURVEYORS AND LOSS ASSESSORS
For the period Outstanding at the Received Addressed Outstanding at the
beginning of the period end of the period
April 2016-March 2017 1 110 108 3
April 2017-March 2018 3 102 100 2
102ANNUAL REPORT 2017-18
2003 pursuant to the provisions of the IRDA corporate governance matters are being handled
(Insurance Brokers) Regulations, 2002. These through BAP module.
regulations were superseded by IRDA (Insurance
TABLE II.11
Brokers) Regulations, 2013 in the year 2013-14.
Further IRDA (Insurance Brokers) Regulations, 2013 REGISTERED OFFICES OF INSURANCE
were superseded by IRDAI (Insurance Brokers) BROKERS STATE-WISE AS ON 31-03-2018
Regulations, 2018 in the year 2017-18. The State No of Category wise Regd. Office
Regulations stipulated a capital requirement of `75 Name Regd. Direct Composite Reinsurance
lakhs for Direct insurance brokers, `400 lakhs for office Broker Broker Broker
reinsurance brokers and `500 lakhs for composite
Andhra Pradesh 1 1 Nil Nil
insurance brokers. The Insurance Broking is steadily
popularizing and the number of registrations Bihar 1 1 Nil Nil
increased to 535 since 2003 (as on 31st March, 2018)
Chandigarh 6 6 Nil Nil
II.3.7 Out of the total number of registered brokers
Gujarat 21 19 2 Nil
of 535, the valid brokers stand at 426 and 109 are
not in force as on 31st March, 2018. The 426 valid
Haryana 5 5 Nil Nil
brokers comprise of 363 direct brokers, 58
composite brokers and 5 reinsurance brokers. The Jharkhand 1 1 Nil Nil
Authority has issued 50 new Certificates of
Karnataka 17 15 2 Nil
Registration during the period from 1st April, 2017
to 31st March, 2018. It includes 45 direct broker, 4 Kerala 13 13 Nil Nil
composite broker and one reinsurance broker.
Maharashtra 129 94 31 4
II.3.8 During the period, the Authority has renewed
Madhya Pradesh 5 5 Nil Nil
113 insurance broker registrations. As per the
revised regulations, an insurance broker may apply
New Delhi 74 64 10 Nil
for renewal 90 days in advance prior to the expiry of
their registration. The Authority has been taking steps Odisha 2 2 Nil Nil
to improve the quality of compliance levels of the
Punjab 10 10 Nil Nil
insurance brokers. Some of them include conduct
of workshops, regular interaction with Insurance Rajasthan 7 7 Nil Nil
Brokers Association of India, etc.
Tamil Nadu 39 35 4 Nil
As a prelude for moving towards paper less
Telangana 35 31 4 Nil
environment, the Department implemented the
Business Analytics Project (BAP) w.e.f. 1st January,
Uttar Pradesh 31 27 3 1
2016. The processing of new applications for
West Bengal 29 27 2 Nil
insurance broker certificate of registration, renewal
of insurance broker certificate of registration and
Total 426 363 58 5
103ANNUAL REPORT 2017-18
Chart II.10 : Insurance Brokers Map as on 31.03.2018
Tota11- 426 Brok n
1
Disclamer: The above map is only representative and does not show actual geographical boundary.
104ANNUAL REPORT 2017-18
BOX ITEM 4
IRDAI’S STEPS IN PROMOTING DIGITIZATION IN INSURANCE
INSURANCE REPOSITORY SYSTEM
1. The Authority way back in 20th April, 2011 launched the Insurance Repository system. Under the provisions
of these guidelines stated above, five entities were granted certificates of registration to function as “Insurance
Repositories”. The Insurance Repository system was formally launched on 16th September 2013.
2. The objective of creating an insurance repository was to provide policyholders a facility to keep insurance
policies in electronic form and to undertake changes, modifications and revisions in the insurance policy
with speed and accuracy in order to bring about efficiency, transparency and cost reduction in the issuance
and maintenance of insurance policies.
3. In order to leverage this electronic platform to the benefit of all stakeholders more particularly to the Inclusive
segments, the participation of multiple regulated entities was seen to be necessary. At the same time the
platform was expected to should lend itself to bring in efficiencies and avoid duplication of efforts. The
guidelines were revised on 29th May, 2015.
4. Benefits of Proposed IR system: The Insurance Repository system was expected to provide significant
benefits to all the stakeholders. The policyholder would have ease of access to view all his insurance policies
at one place and also receive periodic statements on the status of his policies. The cost for storage &
maintenance of the policy bonds was expected to reduced significantly. The proposed IR system would
provide a boost for inclusive growth and to reach remote corners in a cost effective manner. The increased
use of the Insurance Repository system woild enhance the role of the IRs beyond just storing electronic
policies. Under the proposed system multiple KYC can be avoided. As KYC originators and KYC consumers
the costs of doing KYC would be greatly reduced.
5. In order to implement this the Authority also issued XML standards for various insurance lines such as life,
motor, other than motor.
6. The following insurance repositories are currently operating in the Indian insurance market:
a. NSDL Database Management Limited
b. Central Insurance Repository Limited
c. Karvy Insurance Repository Limited
d. CAMS Insurance Repository Services Limited
7. The issues that hindered the smooth take off could be broadly categorized into the “Security issues” and
“Process related issues”. To iron these out, IRDA had constituted two committees to suggest it on the
framework to be adopted to address the “Security issues” and suggest on the “Processes” to be adopted in
the Insurance Repository System. These committees made various recommendations for the improved
security in the IR system and standardized processes that would aid its smooth functioning.
8. While the recommendations of these committees were considered, it was felt that the various entities in the
insurance industry should establish systems that enabled issuance of electronic policies. Therefore, IRDA
vide guidelines ref: IRDA/NL/GDL/MISC/137/06/2014 dated 10th June, 2014, issued directions for Pilot
Implementation Scheme wherein all Life Insurers and Insurance Repositories were asked to participate in
e-insurance platform in a two-month timeframe starting from 1st July 2014.
9. Based on the experience during the pilot period, feedback from Insurers and Insurance Repositories (IRs),
subsequent interactions with some key stakeholders and further consideration of the matter within the
Authority, certain modifications were proposed to the guidelines issued in April, 2011.In its enhanced role,
105ANNUAL REPORT 2017-18
the system is proposed to be leveraged beyond the mere issue and storage of electronic policies. Positive
steps to reduce costs, avoid duplication and promote the growth of Insurance are key features in the revised
guidelines.
10. Summary of the changes in the revised guidelines include the following:
1. Classification of services under e-Insurance Accounts: The various services offered under the e-Insurance
Accounts have been categorized into the following:
a. Portfolio services – Where the policyholders will have the ability to create portfolio of their policies.
b. Basic services – These are standard minimum services that will be offered by the IRs. These include
status, printing options, periodic reports, mini statements etc. IRDA would review the list of these
services on a regular basis.
c. Premier services – These are services over and above the Portfolio and Basic Services offered by the
IRs. Premium and Transaction history, Premium reminders, notifications of various claims, portfolio
analysis tools, rendering of certain policy services.
2. Sharing of KYC information: To enable the re-use of the KYC information, it is proposed to set up a KYC
repository database in the Central Index Server (iTrex) that is currently supporting the IR system. The
entities who perform KYC validation would be identified as ‘KYC originators’ and the entities who use this
information would be identified as ‘KYC consumers’. Sharing of KYC information is expected to ease the
sales process and enable faster issuance of insurance policies (both electronic and physical). A suitable
revenue model is proposed to be built up to support the KYC sharing.
3. Electronic issuance in certain cases: In the following categories of policies, insurers shall also be required to
issue electronic policies.
a. All Insurance policies sold online or through Web-Aggregators or Common Service Centers.
b. Policies falling within the criteria stipulated below:
4. Business Proposition for IRs: The revenue for IRs under the revised guidelines shall be from the following
sources:
a. From insurers for holding of electronic policies
b. From policyholder for premier services
c. From insurers for performing outsourcing activities
d. ‘KYC- originator’ revenue
5. Business Proposition for Insurers: The business proposition for insurers shall be:
a. ‘KYC-originator’ revenue.
b. Faster issuance of policies owing to KYC sharing
c. Reduced cost of storage/maintenance of electronic policies
d. Increased coverage due through electronic commerce route
e. Reach to inclusive segments
6. Standard Operating procedures: To facilitate easier conduct of the operations in the IR system, Standard
Operating Procedures (SOPs) on the following areas are included as a part of these guidelines:
a. Opening of eIA
b. Issuance/conversion of e-policies
c. Sharing of KYC data
106ANNUAL REPORT 2017-18
d. Turnaround times defined for major processes
e. Sharing eIA details and modus operandi
f. Appointment, renewal of AP applications
g. Inter IR transfers
h. Security Framework
11. The number of e-insurance accounts opened as on 31.03.2018 and e-insurance policies issued as on
31.03.2018 by various insurance repositories are as under:
Repository Name Total E Policies Total EI Accounts
NSDL Database Management Ltd 558514 555701
Central Insurance Repository Ltd 69135 354388
KARVY Insurance Repository Ltd 132049 174553
CAMS Repository Services Ltd 487777 515681
Total 1247475 1600323
12. The number of e-insurance policies uploaded in the e-insurance accounts opened with various IR’s are as
under:
Class of business No of e-insurance policies issued by IRs
Life 1231135
General 4822
Health 11518
Total 1247475
Issuance of electronic Insurance Policy Regulations, 2016
1. Consequent upon promulgation of Insurance Laws (Amendment) Act, 2015 a new section in the Insurance
Laws (Amendment) Act, 2015 has been incorporated which said that every insurer shall, in respect of all
business transacted by him, endeavor to issue policies above a specified threshold in terms of sum assured
and premium in electronic form, in the manner and form to be specified by the regulations made under this
Act.
2. The Authority came out with regulations on Issuance of Electronic Insurance Policies and threshold limits.
3. The main features of the regulations are as under:
(cid:129) “Affixing e-signature” with its grammatical variations and cognate expressions means adoption of any
methodology or procedure by a person for the purpose of authenticating an electronic record by means of
Electronic Signature;
(cid:129) “e-proposal” means a proposal form of an insurance policy filed in electronic form by the prospects and
affixed with e-signature.
(cid:129) “e-insurance policy” or electronic insurance policy” shall mean a policy document which is an evidence of
insurance contract issued by an insurer and digitally signed in accordance with the applicable provisions
prescribed by law and issued in an electronic form either directly to the policyholder or through the platform
of registered Insurance repository.
(cid:129) Every insurer soliciting insurance business through electronic mode shall create an e-proposal form similar
to the physical proposal form approved by the Authority. Such form should enable capture of information in
digital manner that would enable easy processing and servicing.
107ANNUAL REPORT 2017-18
(cid:129) The e-Proposal form shall also have a column to capture the electronic Insurance Account (eIA) number
which shall be filled by proposer.
(cid:129) In case of the prospect has no eIA account number, then the insurer shall facilitate the creation of eIA
number.
(cid:129) The prospects shall furnish the necessary details in e-insurance proposal form which shall carry the e-
signature of any other electronic authentication of the proposer.
(cid:129) All policies issued in electronic form by the Insurer directly to the policyholder shall also be issued in physical
form unless the Authority, on being satisfied that it is in the interests of policyholders and for orderly growth
of Insurance Industry, so exempts such issuance in physical form.
Provided that such exemptions may stipulate conditions specified to be fulfilled by the Insurer.
Notwithstanding the above, on the demand of the policyholders, physical policy shall also be issued by the
Insurers.
(cid:129) Electronic policies may be issued by the Insurers either directly to the policyholders or through the registered
Insurance Repositories
(cid:129) Insurers shall issue electronic policies that exceed either the sum insured limit or the single/ annual premium
limit stipulated below:
Sum Insured* Single/Annual Premium*
Line of Business (equal to or exceeding) (equal to or exceeding)
(in `)
Pure term (excluding term with ROP)** 10,00,000/- 10,000/-
Other than Pure term (including term with ROP)** 1,00,000/- 10,000/-
Pension policies NA 10,000/-
Immediate Annuities (Pension p.a.) NA 10,000/-
All retail General Insurance policies except Motor 10,00,000/- 5,000/-
Individual Health 5,00,000/- 10,000/-
Motor Retail All policies All policies
Miscellaneous
Individual Personal Accident & Domestic Travel 10,00,000/- 5,000/-
Individual Travel Insurance (Overseas) All Policies All policies
Guidelines on Insurance e-commerce
1. As part of the IRDA’s developmental mandate, the Authority is facilitating the promotion of e-commerce in
insurance space which will lower the cost of transacting insurance business and bring higher efficiencies
and greater reach. e-commerce is seen as an effective medium to increase insurance penetration and bring
financial inclusion in a cost-efficient manner. As a result, the Authority has issued guidelines on insurance e-
commerce.
2. The guidelines define the Insurance Self-Network Platform which is a technology platform. It allows only
entities granted certificate of registration by IRDAI such as insurers, insurance intermediaries.
3. The Insurance Self-Network Platform will undertake Insurance e-commerce activities in India such as selling
and servicing of insurance products.
108ANNUAL REPORT 2017-18
4. The guidelines lay down the procedure for grant of permission for establishing an Insurance Self-Network
Platform. This includes filing of application, furnishing of information & clarifications, grant of permission and
conditions thereof.
5. The guidelines also stipulate internal monitoring, review and evaluation of systems & controls.
6. The scope of such external audit shall be as directed by the Authority from time to time.
7. In addition, the participant shall ensure compliance to information security management system standard of
the International Organization for Standardization or the International Electro-Technical Commission or its
equivalent at all times by having an annual review of the systems.
8. The participant shall place the report of the CISA auditor and the information security management system
before the Board or its sub-committee for their observations.
9. The guidelines propose a code of conduct for the Insurance Self-Network Platform and its obligations.
10. The guidelines also cover the operational issues and covers ISNP available on regular internet web-site
(desktop and mobile) or as a mobile app or both. It allows for differential pricing when sold through the
Insurance Self-Network Platform.
11. A proposal form for insurance business transacted on the Insurance Self- Network Platform shall not carry
wet/ physical signature and instead an electronic signature or digital signature or single factor authentication
such as One Time Password, PAN Card & Date of birth authentication shall suffice. Creation of an e-
insurance account is made mandatory before selling insurance policies on the Insurance Self-Network
Platform.
12. The number of ISNP applications processed by the Authority as on 31.03.2018 is as under:
No of applications processed
Insurers 47
Brokers 67
Corporate Agents 17
Web Aggregators 19
Total 150
Guidelines on Information and cyber security for insurers
1. The Authority has issued Guidelines on Information and cyber security for insurers in April, 2017 which ill be
effective from 1st April, 2018.
2. These guidelines are applicable to all insurers. In case of intermediaries and other regulated entries with
whom the policyholder information is being shared, it would be the responsibility of insurers to ensure that
adequate mechanisms are put in place to ensure that the issues related to information and cyber security
are addressed
3. Insurers who have not completed three years from the date of commencement of business are exempted
from the requirement of a full-time person appointed as Chief Information Security Officer (CISO). However,
the CISO responsibility may be taken care by any of the functionaries reporting to Board. All other requirements
stipulated in the guidelines document shall be applicable to these insurers
4. Time lines for implementation
109ANNUAL REPORT 2017-18
1 Appointment/ designation a suitably qualified and experienced Senior Level 30th Apr 2017
Officer exclusively as Chief Information Security Officer (CISO) who will be
responsible for articulating and enforcing the policies to protect their information
assets and formation of Information Security Committee (ISC)
2 Preparation of Gap Analysis report (AS-IS Vs requirements stated 30th Jun 2017
in this guidelines document)
3 Formulation of Cyber Crisis Management Plan 30th Jun 2017
4 Finalization of Board approved Information and Cyber Security Policy 31st Jul 2017
5 Formulation of Information and Cyber Security assurance programme 30th Sep 2017
(implementation plan / guidelines) in line with Board approved Information
and Cyber security policy
6 Completion of first comprehensive Information and Cyber Security assurance audit 31st Mar 2018
Insurers have become fully compliant by 31st March 2018 as per the above timelines.
Updates on digital innovation - Insurance Intermediaries
Creation of a database housed in IIB of all insurance agents, broker qualified persons, specified
persons of corporate agents, authorized verifiers for web aggregator, point of salesperson, etc
It may be recalled that the creation of the database started with the issuance of Point of Sales person
guidelines. The purpose was to check de-duplication of POS enrolled by insurers and insurance intermediaries.
Going forward it was viewed that the same logic could be extended to insurance agents and marketing
persons of insurance intermediaries that would include broker qualified persons, specified persons of
corporate agents, authorized verifiers for web aggregator. The unique identifying field is the Aadhaar number
or PAN number.
A portal called ENVOY which is housed in IIB has been set-up which includes broker qualified person,
authorized verifiers, specified persons of corporate agents. The creation of database involving individual
insurance agents and all others who are involved in soliciting and procurement of insurance policies is
underway.
Web Aggregators
Authority had issued Certificates of Registration to
II.3.9 The Authority took the initiative to develop a 6 Web Aggregators.
system, known as Web Aggregator, for comparing
Subsequently the Authority came out with “IRDA
and distribution of Insurance Policies online. This
(Web Aggregators) Regulations, 2013 and IRDAI
initiative was taken for the benefit of prospective
(Insurance Web Aggregators) Regulations, 2017. At
buyers of the Insurance Policy keeping in mind
present there are 26 Web Aggregators.
developing trends in e-commerce. The Authority
initially issued guidelines in November, 2011 to Common Service Centre-SPV
enable enthusiastic entrepreneurs to leverage
II.3.10 The Authority has notified the Insurance
technological advancements to apply for registration
Regulatory and Development Authority of India
for comparison of insurance products of various
(Insurance Services by Common Service Centers),
insurance companies. Based on the guidelines, the
110ANNUAL REPORT 2017-18
TABLE II.12
CHART II.11 WEB AGGREGATORS
WEB AGGREGATORS APPROVED BY THE LEAD DETAILS VISITORS/LEAD TRANSFER/
AUTHORITY (AS AT 31st MARCH, 2018) LEAD CONVERTED(2017-18)
Sl.No Name of the Web Aggregator
1 Commet Insurance Web Aggregator Pvt. Ltd.
2698432 1511986
2 PolicyX.com Insurance Web Aggregator Pvt. Ltd 5% 3%
3 OA Insurance Web Aggregators Pvt. Ltd.
4 Fingoole Insurance Web Aggregator Pvt. Ltd.
5 Easy Policy Insurance Web Aggregator Pvt. Ltd.
6 Policy Bazaar Insurance Web aggregator Pvt. Ltd
7 My Insurance Club Insurance Web Aggregator Pvt.
Ltd.
8 Great India Insurance Web Aggregator Pvt. Ltd.
9 Boon Insurance Web Aggregator Pvt. Ltd
10 Compare Policy Insurance Web Aggregator Pvt. Ltd
D Total Number of visitors ■ Lead Transferred ■ Lead Conerled into sale
11 Buy Smart Policy Insurance Web Aggregator Pvt.
Ltd
12 MSF Insurance Web Aggregator Pvt. Ltd
13 Policy Mantra Insurance web Aggregator Pvt. Ltd.
14 Deztination Insurance Web Aggregator Pvt. Ltd.
15 A&A Dukaan Insurance Web Aggregator Pvt. Ltd.
CHART II.12
16 Zibika India Insurance Web Aggregator Pvt. Ltd. WEB AGGREGATORS - NUMBER OF POLICIES
17 Mangotree Insurance Web Aggregator Pvt. Ltd.
18 ETInsure Insurance Web Aggregator Pvt. Ltd.
19 Covernest Insurance Web Aggregator Pvt. Ltd 1,39,187
9% 7923
20 PolicyPlanner Insurance Web Aggregator Pvt. Ltd
21 CNB Insurance Web Aggregator Pvt. Ltd
22 Onestepolicy Insurance Web Aggregator Pvt. Ltd
23 Instabima Insurance Web Aggregator Pvt. Ltd
24 Arvi Insurance Web Aggregator Pvt. Ltd.
25 Riskovery Insurance Web Aggregator Pvt. Ltd.
26 Policy Master Insurance Web Aggregator Pvt. Ltd
D Total Number of visitors ■ Lead Transferred ■ Lead Conerled into sale
111ANNUAL REPORT 2017-18
Regulations 2015 on 5th October, 2015. The salient 8. The code of conduct and duties and obligations
features of the proposed Insurance Services by CSC have been specified for the Principal Officer;
Regulations are as follows: RAP, CSC-SPV and Insurers in the regulations.
Customer grievance handling procedure has
1. The CSC-SPV shall market insurance products
been outlined in the regulations.
and also offer other insurance related services
through the CSC network of those insurance 9. The remuneration between the CSC-SPV,
companies who have entered into an Service Partner Agency and the RAP have
agreement with the CSC-SPV. been specified in the ratio of not more than 8%,
not more 12% and not less than 80%
2. CSC-SPV is the CSC e-Governance Services
respectively of the commission paid. However,
Limited, Special Purpose Vehicle incorporated
the insurance related services that will be
to facilitate delivery of government, private and
offered by the RAP has been left to be decided
social sector services to citizens of India
between the CSC-SPV and the insurer.
through CSC network.
10. On-boarding charges of `20 lakhs per insurer,
3. Rural Authorized Person (RAP) shall be an
which are paid into an escrow account, have
individual Village Level Entrepreneur (VLE)
been allowed to be charged by CSC-SPV on
registered and authorized by the CSC-SPV to
the insurers to facilitate biometric and IRIS
operate and manage a Common Service
equipment infrastructure at RAP level which is
Centre to market Insurance Products and offer
released at the time of activation.
insurance related services. He should undergo
20-hour training and pass an examination 11. The CSC-SPV shall market exclusive products
conducted by NIELIT and have a minimum under this channel which will be pre-fixed with
qualification of 10th pass or equivalent. the words “CSC”. The maximum sum assured/
insured allowed these policies is `2 lakhs
4. Minimum eligibility conditions; educational
excluding the sum insured under motor
qualifications, and training requirement have
insurance. Currently non-participating non-
been specified for
linked variable insurance products with regular
a. Principal officer of the CSC-SPV premium payment and pure term insurance
products with regular premium payment of life
b. RAP of the CSC-SPV in the regulations.
insurers have been approved by the Authority
under the file & use guidelines. Like-wise motor
5. Fit and Proper criteria has been proposed to
insurance, personal accident insurance, cattle/
assess the suitability of the Principal Officer of
livestock insurance, farmer’s package policy
the CSC-SPV.
and fire & allied peril dwellings insurance of
6. The procedure of grant of registration, validity general insurance have been approved by the
and renewal of registration of CSC-SPV has Authority.
also been specified.
12. The procedure for disciplinary proceedings
7. Within the CSC framework there are Service against the CSC-SPV and the RAP has also
partner Agency which includes the State been specified in the proposed regulations.
Designated Agency or the Service Centre
13. The regulations also specify reports to be
Agency or any other agency under the CSC
submitted by the insurers and CSC-SPV to the
Scheme who will train, guide and mentor the
Authority.
Village Level Entrepreneurs.
112ANNUAL REPORT 2017-18
14. The statistics regarding the CSC-SPV channel Some of the salient features of POS – Life
for the period 01.04.2017 till 31.03.2018 is as Insurance Products
under:
(cid:129) Defined POS Product as simple plain vanilla
a. No. of RAP who have undergone training type of products wherein each and every benefit
& passed exam and have been issued is predefined and disclosed upfront clearly at
certificates – 18826. the time of Sale itself and is very simple to
understand
b. Total New Insurance premium – `132.54
(cid:129) Prescribed the categories of products which can
crores = `47.32 crores (General) + `2.02
be offered as POS Product specifying the
crores (Life) + `83.2 crores (Crop)
parameters
c. Total premium collected (New & renewal)
(cid:129) Allowed offering only non-linked and individual
– `422.80 crores
products under POS product
d. Total no. of transactions - 11.48 Lakhs
(cid:129) Prescribed a Key Feature Document – cum –
Proposal form for POS product
e. No of insurers with whom agreement
signed: General – 18; Health – 5; Life – (cid:129) Prescribed channels who can solicit POS
19. Products
f. No of policies sold – i) Motor Third Party – (cid:129) Submission of half yearly returns to the
2,61,489; ii) Motor Package – 52,929 iii) Authority on POS product business
Personal Accident A – 8,107; iv) Life
Some of the salient features of POS Persons –
Insurance (New) – 23,876 v) and others –
Life Insurance
1192
(cid:129) Defined POS Persons as an individual who
g. Total number of farmers covered – 8.29
possesses the minimum qualifications, has
Lakhs – 3.88 lakhs (Rabi) + 4.41 Lakhs
undergone training and passed the examination
(Kharif)
as specified in the Guidelines and solicits and
h. Added new products such as motor markets only such products as specified by the
comprehensive, travel insurance, crop Authority.
insurance and Government Insurance
(cid:129) Prescribed provisions on training, examination,
Schemes to the list of approved products.
appointment of POS persons
Point of Sales Person – Life General & Health
(cid:129) Specified the products that can be solicited by
Insurers
POS Persons.
II.3.11 POS-Life Insurers
II.3.12 POS-General Insurers
In order to give an added fillip in providing easy
The Authority has observed that there are number
access to Life Insurance products to people at large
of persons who are involved in undertaking simple
and to enhance insurance penetration and density
and routine activities pertaining to solicitation and
as part of Regulator’s development mandate, the
marketing of insurance policies. For e.g. bulk of
Authority has issued necessary Guidelines to Life
products in motor insurance, travel insurance,
Insurers.
personal accident insurance, etc. require very little
underwriting. These happen to be largely pre-
113ANNUAL REPORT 2017-18
underwritten products wherein based on the e. Engage the successful candidate as POS
information provided by the prospect, the insurance person by entering into a written
policy is automatically generated by the system. The agreement, specifying the terms and
intervention required for such a product is minimal conditions.
and the training and examination for such persons
f. Upload the details in the IIB date-base at
could be of a lesser degree.
the end of the day.
In order to facilitate the growth of insurance business
g. Maintain a proper record of training and
in the country and to enhance insurance penetration
examination for at least five (5) years from
and insurance density, the Authority as part of its
the end of financial year in which these
developmental agenda issued the following
are conducted which shall be made
guidelines on “Point of Sales Persons”.
available to the inspecting official of the
The salient features of the guidelines are as follows: Authority during on-site inspection.
1. “Point of Sales Person” who can solicit and 6. A “Point of Sales Person” can represent an
market only certain pre-underwritten products insurance company or an insurance
approved by the Authority. intermediary.
2. Every “Point of Sales Person” shall be identified 7. The “Point of Sales Person” can sell only the
by his Aadhaar Card Number or his PAN Card. following pre-underwritten product.
3. The persons soliciting and marketing such pre- a. Motor Comprehensive Insurance Package
underwritten products approved by the Authority Policy for Two-wheeler, private car and
shall be called as “Point of Sales Person”. commercial vehicles.
b. Third party liability (Act only) Policy for Two-
4. The “Point of Sales Person” shall be at least
wheeler, private car and commercial
10th pass.
vehicles.
5. The General insurer including stand-alone
c. Personal Accident Policy
health insurer or insurance intermediary
d. Travel Insurance Policy
proposing to engage the POS person shall:
e. Home Insurance Policy
a. Ensure that the applicant is not engaged
f. Crop insurance
with any other insurer or insurance
intermediary by cross-checking with the g. Health insurance policy
database housed in Insurance Information
h. Critical Illness
Bureau (IIB), Hyderabad.
i. Health Indemnity
b. Conduct an in-house training of fifteen (15)
j. Government Schemes such PMFBY/
hours for the candidate
PMSBY/ WBCIS/ CPIS
c. Conduct an examination after successful k. Livestock Insurance
completion of the training
l. Agriculture Pump set Insurance
d. Issue a certificate to the candidate who m. Fire & allied perils (Dwellings)
has passed the examination in the format
n. Any other Policy specifically approved by
attached to the circular.
the Authority
114ANNUAL REPORT 2017-18
8. Every policy sold through the “Point of Sales 17. No of POS of sponsoring agencies – i) Insurers
Person” shall be separately identified and pre- – 47947; ii) Insurance brokers –46700;
fixed by the name “POS – (name of product)”. Corporate agents – 28993
9. The insurance company shall file the product 18. 610 products and Add-ons of general and
with the Authority under the file use guidelines health insurers cleared by the Authority.
for information.
II.3.13 Motor Insurance Service Provider (MSIP)
10. Every proposal form, in paper or in paper less
The salient features of the guidelines on MISP are
form, insurance policy and other related
as under:
documents shall carry provision to record the
Aadhaar card number of the PAN card number
1. Objective: The objective of these guidelines is
in order to tag the policy to the “Point of Sales
to recognize the role of the automotive dealer
Person” who is selling the said policy.
in distributing and servicing motor insurance
11. The insurance company shall be responsible policies so as to have regulatory oversight over
to record the Aadhaar card number or the PAN their activities connected to insurance.
card number of the “Point of Sales Person” in
2. Definition of “Automobile Dealer”, “Automobile
the proposal form and insurance policy. The
Manufacturer”, “Distribution fees” and “Motor
insurance company shall be responsible for the
Insurance Service Provider (MISP)” has been
conduct of the “Point of Sales Person”
given.
representing him.
3. The guidelines give the eligibility conditions for
12. For sales affected through the insurance
appointment of MISP as any automobile dealer
intermediary, the insurance intermediary shall
and one who does not attract any of the
record the Aadhaar card number or the PAN
disqualifications as laid down in Section 42 of
card number of the “Point of Sales Person” in
the Insurance Act, 1938.
the proposal form and require insurance
company to do the same in the insurance policy. 4. The MISP shall have in its objects or in its deed
The insurance intermediary shall be responsible or any other similar document, distribution and
for the conduct of the “Point of Sales Person” servicing of motor insurance policies including
engaged by it and any misconduct on part of add-ons.
the Point of Sales Person shall make it liable to
5. The MISP shall be sponsored by either
a penalty as per Act.
insurer(s) or an insurance intermediary.
13. One of the factors that shall be considered while
renewing the certificate of registration of the 6. The sponsoring entity/entities shall be
insurance intermediary shall be the conduct of responsible for all acts of omission and
the “Point of Sales Person” on the rolls of commission of the MISP.
insurance intermediary.
7. The MISP shall appoint a Designated Person
14. As on the 31st March, 2018 the details are as and all persons distributing motor insurance
under: policies shall be at least 12th pass and shall
undergo training and examination of Point of
15. No. of Candidates registered – 123640
Sales Person.
16. No of sponsoring agencies – i) Insurers - 26; ii)
8. They will be given unique identification number
Insurance Brokers – 59; Corporate Agents –11
based on their Aadhaar No.
115ANNUAL REPORT 2017-18
9. The appointment of a MISP shall be normally fees, advisory fees, or any other payment
valid unless revoked in case of insurers and by whatever name called
valid as long as the certificate of registration is
e. The MISP shall facilitate the creation of e-
valid in case of insurance intermediaries.
insurance account and issuance of e-insurance
10. A periodic review of the controls, systems, policies.
procedures, and safeguards put in place by the
f. The sponsoring entity/entities and MISP shall
MISP, shall be carried out, at least once a year,
have in place a mechanism to address
by the sponsoring entity/entities.
policyholders’ grievances.
11. An elaborate code of conduct for the MISP and
g. In case there are more than one sponsoring
obligations of the sponsoring entity/entities has
insurers of a MISP, then all such insurers shall
been given.
be jointly and severally liable for the actions of
12. The second part deals with operational issues. the MISP and open for penalties.
13. The MISP shall ensure that the following h. Automotive dealers holding any insurance
minimum conditions are met at all times: intermediary license/ certificate of registration
shall not be allowed to distribute and service
a. The distribution of motor insurance policies
motor insurance policies.
through MISP shall be on the basis of an
agreement entered into between the i. They shall surrender existing license/ certificate
insurer or insurance intermediary and the of registration and necessarily become a Motor
Motor Insurance Service Provider, as the Insurance Service Provider in order to distribute
case may be. and service motor insurance policies.
b. The MISP shall distribute and/ or service 14. Effective date of implementation of these
motor insurance policies including add-ons guidelines was 1st November, 2017.
only.
15. As on the 31st March, 2018 the details are as
c. The maximum distribution fees payable to under:
MISP shall be as follows:
a) No. of MISP registered – 19989
d. The MISP or any of its associate company,
b) No of sponsoring agencies – i) Insurers - 17; ii)
shall not receive directly or indirectly from
Insurance Brokers –16; Corporate Agents –4
the insurer and the insurer shall not pay
directly or indirectly to the MISP or any of c) No of MISP of sponsoring agencies – i) Insurers
its associate company any fees, charges, –4378; ii) Insurance brokers – 13332; Corporate
infrastructure expenses, advertising
agents – 2279.
expenses, documentation charges, legal
Max. Distribution Fees Max. Remuneration & Reward payable
payable to MISP to insurance intermediary by insurer*
2 wheeler automotive vehicle 22.5% of the OD portion of the 22.5% of the OD portion of the
automotive vehicle automotive vehicle
Other than 2 wheeler 19.5% of the OD portion of 19.5% of the OD portion of
automotive vehicle the automotive vehicle the automotive vehicle
*- the insurer shall not pay both the remuneration & reward and distribution fees on the same motor insurance policy.
116ANNUAL REPORT 2017-18
II.4 PROFESSIONAL INSTITUTES CONNECTED (IAI), a statutory and professional body for regulation
WITH INSURANCE EDUCATION of profession of Actuaries in India. Its objective,
among other things, includes regulation of the
II.4.1 The Indian Insurance sector has seen a rise
practice by the Members of the profession of Actuary.
in demand for insurance education, training and
Another noteworthy integrated management school
research. As such, the Authority remains in touch
in relation to insurance education is the National
with professional institutions connected with
Insurance Academy (NIA), Pune which promotes,
Insurance Education in India and abroad.
develops and nurtures research and consultancy
II.4.2 The Authority, in association with the then activities on institutional and individual basis.
Andhra Pradesh Government, established a
II.5 LITIGATIONS, APPEALS AND COURT
professional institute viz., Institute of Insurance and
PRONOUNCEMENTS
Risk Management (IIRM) in the year 2002 at
Hyderabad, for training and imparting professional II.5.1 The details of the litigation in terms of cases
courses in insurance and related subjects. The filed before the Supreme Court, various High Courts,
Authority continues to support the Institute in its Securities Appellate Tribunal (SAT), Civil Courts,
endeavors. Motor Accident Claims Tribunal (MACT), and Lok
Adalat, as also cases disposed/dismissed during
II.4.3 The Insurance Institute of India (III) is both the
2017-18 are provided in Table II.13 and II.14.
Training body and Examination body for Web
Aggregators, Corporate Agents and Insurance II.6 INTERNATIONAL COOPERATION IN
Marketing Firms. It is also the training body for INSURANCE
Brokers and the examination body for Agents pre-
II.6.1 IRDAI recognizes importance of adopting
recruitment examinations. The Institute has also
international best practices while introducing and
been preparing course content for various surveyor
implementing regulatory measures domestically. In
examinations and also conducts the surveyors’
this context, and in furtherance of its regulatory
examinations. The Institute has also come up with a
objectives, IRDAI engages with various international
course for village level entrepreneurs under
organization, forums and foreign regulators. IRDAI
Common Service Centre guidelines.
continued to actively engage and contribute to
II.4.4 Indian Institute of Insurance Surveyors and ongoing developments in the international arena in
Loss Assessors (IIISLA) is an institute promoted and the financial year 2017-18 as well.
established by the Authority and incorporated under
The major international engagement continues to
Section 25 of the Companies Act, 1956.
be with International Association of Insurance
Membership of the institute is mandatory for grant Supervisors (IAIS), an international standard setting
of surveyor license. The Institute seeks to function body responsible for developing principles,
as a self-regulatory body. standards and other supporting material for the
supervision of the insurance sector and assisting in
II.4.5 The Authority also has statutory representation
their implementation. The IAIS provides a forum for
in the Council of the Institute of Actuaries of India
Members to share their experiences and
117ANNUAL REPORT 2017-18
TABLE II.13
DETAILS OF LEGAL CASES FILED 2017-18
S.No Particulars of cases filed General HR Health CAD Life Brokers Total
1 Supreme Court 0 0 0 0 0 1 1
2 Writ Petitions filed in
various High Courts 2 2 2 7 2 7 22
3 Securities Appellate Tribunal 1 0 0 0 1 3 5
4 Writ Appeals ,LPAs filed
in various High Courts 0 1 0 0 0 0 1
5 Review/Restoration Petitions
filed in various High Courts 0 0 0 0 0 0 0
6 Contempt Petitions filed
in High Courts 0 0 0 0 0 0 0
7 Consumer Cases (DCF+SCDRC) 0 0 0 47 0 0 47
8 Civil &LokAdalat cases 0 0 0 7 0 0 7
9 MACT cases 0 0 0 0 0 0 0
10 PILs 1 0 2 0 0 0 3
11 Criminal Petitions 0 0 0 0 0 0 0
Total 4 3 4 61 3 11 86
TABLE II.14
DETAILS OF LEGAL CASES DISPOSED/DISMISSED 2017-18
S. General HR Health CAD Life Brokers Total
Particulars
No. A B A B A B A B A B A B A B
1. Supreme Court 0 0 0 0 1 0 0 0 0 0 0 0 1 0
2. Writ Petitions disposed
in various High Courts 0 1 0 1 0 1 0 1 0 0 1 2 1 6
3. Securities Appellate Tribunal 2 0 0 0 0 0 0 0 1 0 2 0 5 0
4. Writ Appeals ,LPAs disposed
in various High Courts 0 0 0 0 0 0 0 0 0 0 0 0 0 0
5. Review/Restoration Petitions
disposed in various High Courts 0 0 0 0 0 0 0 0 0 0 0 0 0 0
6. Contempt Petitions
disposed in High Courts 0 0 0 0 0 0 0 0 0 0 0 0 0 0
7. Consumer Cases 0 0 0 0 0 0 0 7 0 0 0 0 0 7
8. Civil &LokAdalat cases 0 0 0 0 0 0 0 2 0 0 0 0 0 2
9 MACT cases 0 0 0 0 0 0 0 0 0 0 0 0 0 0
10 PILs 0 0 0 0 0 0 0 0 0 0 0 0 0 0
11 Criminal Petitions 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total 2 1 0 1 1 1 0 10 1 0 3 2 7 15
A - with directions to IRDAI B - without directions to IRDAI
118ANNUAL REPORT 2017-18
understanding of insurance supervision and The IAIS issues global insurance principles,
insurance markets. IRDAI is participating in various standards and guidance papers, provides training
IAIS committee meetings and contributed to the and support on issues related to insurance
International Standard Setting and implementation supervision and organises meetings and seminars
activities. for insurance supervisors. The IAIS works closely
with other international financial sector standard
The IRDAI continued to provide views and inputs
setting bodies and international organisations
on the ongoing work in insurance sector related
working to promote financial stability. It holds an
matters of the Financial Stability Board (FSB) to the
Annual Conference where supervisors, industry
Ministry of Finance. Financial Stability Board is the
representatives and other professionals discuss
international body that has been mandated by the
developments in the insurance sector and topics
G20 to promote implementation of financial sector
affecting insurance regulation.
regulatory reforms in the world.
An Executive Committee, whose members represent
As part of its other varying commitments as
different geographical regions, is responsible for
insurance sector regulator, the IRDAI has provided
strategic direction & managing affairs of IAIS. From
inputs to the Government of India on international
Asian region, there are five Members representing
issues/ treaties and financial sector dialogues.
in the Executive Committee. Chairman, IRDAI, is
The IRDAI conducts training and exposure one of the Members representing from Asian region,
programmes on best practices for insurance others being the insurance regulators from China,
supervisors. In April, 2017, an International study Japan, Korea and Singapore.
team, sponsored under the Indian Technical &
IAIS Committees/ Working Groups
Economic Cooperation Cooperation (ITEC), have
visited the office of IRDAI. The study team had been II.6.3 The IRDAI has participation in two main
explained about conceptual framework of insurance committees’ viz., Policy Development Committee
and supervision, role of supervisor and functions. and Implementation Committees. These committees
oversee standard setting activities in the area of
The IRDAI also participates in international
financial stability and implementation and
conferences, seminars and workshops in order to
assessment of IAIS supervisory material etc.
strengthen the exchanges and cooperation in
insurance field. Under IAIS Committee System, each committee has
established various working groups/task forces to
Association with IAIS:
help in carrying out their duties. The IRDAI has
II.6.2 Established in 1994, the International participation in the IAIS working groups looking into
Association of Insurance Supervisors (IAIS) aspects of Financial Inclusion, Corporate
represents insurance supervisory authorities of Governance, Market Conduct, Macro Prudential
some 200 jurisdictions representing nearly 140 Policy and Surveillance and Capital Development.
countries.
119ANNUAL REPORT 2017-18
IRDAI contributes to IAIS’s work by active The AFIR Members have been meeting annually
participation in the meetings of the Committees/ with each participating jurisdiction taking turns to
Working Group/ Task Forces held in-person and be the host organiser. The first AFIR conference was
through tele conference. The deliberations and held in Beijing in 2006 followed by Seoul (2007),
knowledge sharing translate into the formulation and Singapore (2008), Chinese-Taipei (2009), Japan
adoption of global insurance standards. Participation (2010), Thailand (2011), Macau (2012), Hyderabad,
in the meetings of IAIS committees/ Working Groups/ India (2013), Beijing (2014), Colombo (2015), Taipei
Task forces have provided very useful inputs and (2016) and Singapore (2017).
have been useful in IRDAI’s own domestic regulation
South Asian Insurance Regulators Meet and
making.
International Insurance Conference:
IAIS MMoU- IRDAI admission – Cabinet’s
History:
approval
The Insurance Regulators of South Asian Countries
The Union Cabinet has given its ex-post facto
have been meeting since 2013. The Regulators
approval for IRDAI's admission as a signatory to
meeting is held with an aim to inform development
International Association of Insurance Supervisors
initiatives in their respective jurisdictions and to
(IAIS) Multilateral Memorandum of Understanding
discuss probable areas of cooperation between the
(MMoU). International Association of Insurance
participating member jurisdictions. An International
Supervisors, (Multilateral Memorandum of
Insurance conference is also held on the sidelines
Understanding) is a statement of its signatories’
of these meetings.
intent to cooperate in the Field of information
exchange as well as procedure for handling The Insurance Regulators of South Asia met for the
information requests. first time in 2013 in Bangladesh (1st South Asian
Insurance Regulators’ Meet). The 2nd South Asian
Asian Forum of Insurance Regulators
Insurance Regulators’ Meet was held in Pakistan in
II.6.4 Asian Forum of Insurance Regulators (AFIR), 2014 and the 3rd in Nepal in May 2016. The IRDAI
is a forum of insurance supervisors from Asia and attended the meetings at Bangladesh and Nepal.
Oceania regions. It was established based on Beijing An International Insurance Conference is also held
Declaration on Regional Insurance Regulation on the side-lines of these meetings. During the 3rd
Cooperation in 2005. The mission of the AFIR is to Meetings held in Nepal, it was proposed that IRDAI,
strengthen capacity building, facilitate insurance India may host the next Meeting.
regulatory capability and promote regulatory
4th South Asian Insurance Regulators Meet and
cooperation in Asia and Oceania regions.
International Insurance Conference:
The AFIR consists of insurance regulatory and
In February, 2018, the IRDAI hosted the 4th South
supervisory authorities who have come together with
Asian Insurance Regulators Meet followed by an
a view to achieving common goals at the level of
International Insurance Conference in Hyderabad,
the Asia - Oceanic Region and to exchange of ideas
India which was attended by over 300 delegates from
on topics relating to the insurance industry and
regulation. AFIR currently has 21 members.
120ANNUAL REPORT 2017-18
Indian Insurance Industry and abroad. The The Hon’ble Vice President of India Shri M. Venkaiah
attendees include representatives from insurance Naidu had graced the valedictory function of the
supervisors from South Asia, Insurance Industry event as a Chief Guest held on February 11, 2018.
from India and abroad, delegates representing On this occasion, the Hon’ble Vice President had
diverse fields. The insurers viz., Life Insurance dedicated the IRDAI’s new office building to the
Corporation of India, Agriculture Insurance Company nation.
of India Ltd, General Insurance Corporation of India,
Other engagements:
The New India Assurance Co. Ltd., SBI Life, ICICI
Prudential, ICICI Lombard, HDFC Life, Bajaj Allianz II.6.5 G20 Financial Stability Board: The Financial
Life and Bajaj Allianz General, TATA AIA Life, Apollo Stability Board (FSB) is an international body
Munich have supported the event. established to address financial system
vulnerabilities and to drive the development and
The conference theme was “Changing Insurance
implementation of strong regulatory, supervisory and
Dynamics”. The two-day event started on 10th
other policies in the interest of financial stability. One
February, 2018 with a meeting of the insurance
of the main mandates of FSB is to implement G20
supervisors of the South Asia countries to discuss
policy announcements on financial regulation. In
on the insurance sector developments in the region
FSB, India is represented by Ministry of Finance
and to strengthen regional cooperation in the area
(MoF), Reserve Bank of India (RBI) and Securities
of insurance regulation and supervision. This
Exchange Board of India (SEBI).
meeting was chaired by Mr. T.S. Vijayan, the then
Chairman, IRDAI. After the meeting, the conference IRDAI contributes to FSB’s work by way of providing
was formally inaugurated on February 10, 2018. its views and comments on insurance sector related
Welcoming the participants from home and abroad, issues discussed in the FSB meetings to the Ministry
Mr. T.S. Vijayan, Chairman, IRDAI had delivered of Finance. IRDAI also provides responses to FSB
inaugural address and Mr. V.K. Sharma, Chairman, surveys/questionnaires/reviews relevant to
LIC of India who was the Chief Guest to the event insurance.
had delivered key note address. The inaugural
II.6.6 Financial Sector Assessment Programme:
session followed by panel discussions and interact
active sessions spread over two days. The subject The Financial Sector Assessment Program (FSAP),
of the topics of the discussions include Risk based a joint programme of the International Monetary
supervision; ecommerce; Cyber Security and Cyber Fund (IMF) and the World Bank (WB), is a
Liability insurance; Healthcare, Crop Insurance comprehensive and in-depth assessment of a
schemes aided by technology, Fintech, Tech country’s financial sector. In developing and
Innovations - Role of regulator, Consumer Protection emerging market countries, FSAP assessments are
and Awareness. Officials from the Authority, Industry conducted jointly by IMF and the World Bank and
executives, external insurance experts, and officials include two components viz., financial stability
from Asian Development Bank have participated in assessment (main responsibility of the IMF) and
the discussions as panelists/ speakers. financial development assessment (main
responsibility of the World Bank). FSAPs are
121ANNUAL REPORT 2017-18
mandatory for every five years for the 29 systemically II.6.7 OECD INFE: The Organisation for Economic
important jurisdictions. India is one of these 29 Co-operation and Development (OECD) provides a
countries. The last FSAP for India was conducted in unique policy forum for governments to exchange
2011-12 and the report published by IMF on August views and experiences on financial education as an
29, 2013. important means to financial inclusion. OECD
International Network on Financial Education (INFE)
The FSAP mission was initiated by the joint IMF-
was launched in 2008 by OECD governments having
WB team in December 2016 followed by two more
recognised the importance of financial literacy. India
mission visits – in March and June-July, 2017. The
participates regularly in the INFE’s activities, and
joint IMF-WB team engaged with officials of various
four of India’s financial regulators – the Reserve
related Ministries/ Departments/ Agencies and all
Bank of India (RBI), the Securities and Exchange
financial regulators, viz., RBI, SEBI, IRDAI and
Board of India (SEBI), the Insurance Regulatory and
PFRDA and selected insurance companies and
Development Authority of India (IRDAI), and the
other stakeholders viz., Institute of Actuaries of India
Pension Fund Regulatory and Development
and Insurance Ombudsman. Subsequently, IMF
Authority(PFRDA). IRDAI became a member of
and WB have released the Financial System Stability
OECD INFE in April, 2012. During OECD INFE
Assessment (FSSA) and Financial Sector
meetings, the participants share initiatives taken
Assessment (FSA) reports respectively for India on
across the globe with regard to Financial Literacy
December 21, 2017.
and Financial Inclusion.
As part of the India 2017 FSAP, the IMF also
Bilateral Engagement
published a technical note on “Insurance Sector
Regulation and Supervision”. This technical note II.6.8 IRDAI had so far signed one bilateral MoU
provides an assessment of the recent development with Insurance Authority, UAE for promoting
of regulation and supervision of the Indian insurance cooperation in the field of insurance supervision
sector. The note focuses on several key through exchange of regulatory and relevant
developments in the regulation and supervision of supervisory information to ensure compliance with
the insurance sector since the last FSAP (2011), their respective laws and regulations.
and evaluates the extent to which the
MINISTRY REFERENCES: CONTRIBUTION TO
recommendations of the 2011 India FSAP have been
VARIOUS INTERNATIONAL TREATIES AND
addressed. In the report, the joint IMF-WB team also
DIALOGUES
made recommendations for Indian Insurance
market. The Report observes that most of the 2011 II.6.9 During 2017-18, IRDAI continued to contribute
FSAP recommendations on insurance regulation towards an effective and useful engagement with
have been addressed. The report mentions that the the Government of India with regard to various
four ICPs rated in 2011 as only Partly Observed international dialogues in areas related to insurance
(PO), the related recommendations have all been sector.
addressed, through the legislative changes,
In this direction, IRDAI provides inputs to the Ministry
strengthening of non-life reserving requirements and
of Finance on various issues, agenda items and
introduction of a set of requirements on insurance
fraud.
122ANNUAL REPORT 2017-18
topics relating to insurance sector for various bilateral DARPG Portal against insurers are also referred to
dialogues. IRDAI provided inputs for the India-EFTA IRDAI. IRDAI regularly accesses the portal of the
& India-RECP negotiations, India-EU Sub DARPG and ensures that complaints relating to the
Commission in July, 2017 in Brussels, 4th India-Japan insurance sector are downloaded and necessary
Dialogue on Financial Markets, 4th Indo-Switzerland action to get them examined by the insurers is taken.
Financial Dialogue, India-EU Macro Economic and
Life Insurers
Financial Dialogue, India-USA regulatory dialogue,
WTO matters among others. II.7.3 During 2017-18, the insurance companies
resolved 99.87 percent of the complaints handled.
IRDAI took initiative to support Developing/ Least
The private life insurers resolved 99.74 percent of
developed countries in the form of providing
the complaints reported, while LIC resolved 100
technical inputs based on their requirement, with
percent of the complaints as a result of which there
an objective to improve and enhance their
were no pending complaints of LIC as at 31.03.2018.
knowledge on various aspects of insurance. The offer
along with the contact details are hosted in IRDAI’s As can be seen from the Chart II.13, the
website under ‘International Affairs’ section. classification as per the IGMS in terms of grievance
redressal guidelines, indicates a substantial
II.7 GRIEVANCES
decrease of 17% in the complaints under Unfair
Integrated Grievance Management System Business Practices and marginal decrease of 1% in
(IGMS) the complaints under Proposal Processing during
2017-18 over 2016-17; increase of 10% in the
II.7.1 The IGMS put in place by IRDAI is the
complaints under Others and increase of 8 % in the
repository of the insurance industry complaints
complaints under Policy Servicing during the year
providing not only a platform to raise customer
2017-18 over 2016-17. The complaints under
grievances with insurers but also to generate various
Claims and ULIP Related has maintained the same
analytical reports on Customer grievances
share to the total complaints during the last 2 years.
registered against the Insurers.
General Insurers
Department of Administrative Reforms and
Public Grievances (DARPG), Government of II.7.4 The general insurance companies resolved
India 96.32 percent of the complaints handled during the
year 2017-18. The private general insurance
II.7.2 Apart from the complaints registered in the
companies resolved 98.41 per cent and public
IGMS Portal of IRDAI, Complaints registered in
Table II.15
STATUS OF GRIEVANCES (AS PER IGMS) - LIFE INSURERS 2017-18
Insurer Outstanding as on Grievances Reported Resolved Outstanding as on
1st April, 2017 during 2017-18 during 2017-18 31st March, 2018
LIC 0 77184 77184 0
PRIVATE 247 77183 77229 201
TOTAL 247 154367 154413 201
123ANNUAL REPORT 2017-18
Table II.16
STATUS OF GRIEVANCES – GENERAL INSURERS DURING 2017-18
Insurer Outstanding as on Grievances Reported Resolved Outstanding as on
1st April, 2017 during 2017-18 during 2017-18 31st March, 2018
PUBLIC 518 22568 21784 1302
PRIVATE 268 21427 21351 344
TOTAL 786 43995 43135 1646
General insurance companies resolved 94.36 CHART II.14
percent of the complaints handled by them. As at 70 GENERAL INSURANCE COMPLAINTS
(TYPE-WISE)
31st March, 2018, a total of 1646 complaints were
60 58
pending for resolution, out of which 344 were
belonging to private sector insurance companies and
50
1302 were pertaining to public sector insurance
companies. 40
It can be seen from the Chart II.14 that there is a " i ■2016-17
30
■2017-18
25
5% reduction of the complaints reported under policy
related and 1% reduction of the complaints reported 20
under Others. There is an increase of 5% in the
complaints reported under Claims, 2% increase in 10
0 0 1 1 1 1 1 1 2 2
Claim Cover Coverage Others Policy Premium Product Proposal Refund
CHART II.13 Note Related Related
Related
CLASSIFICATION OF LIFE INSURANCE
COMPLAINTS FOR THE LAST TWO YEARS
CHART II.15
POLICY TYPE-WISE GENERAL INSURANCE
60 COMPLAINTS DURING THE LAST 3 YEARS
52
50
70
40
35 58
60
■2016
-17
50
l
20
40
10 C
30
20
Claims Others Policy Prcposal ULIP Related Unfair
Servicing Processing Business
Practice 10
2015-16 2016-17 2017-18
124ANNUAL REPORT 2017-18
TABLE II.17
MOVEMENT OF COMPLAINTS - LIFE INSURERS
Sl. Insurer 2016-17 2017-18
No. Opening Reported Attended to Pending at Opening Reported Attended to Pending
Balance during during the end Balance during during at the end
the year the year of the year the year the year of the year
(i) Public total 0 30784 30784 0 0 77184 77184 0
(ii) Private total 935 90063 90751 247 247 77183 77229 201
Grand total: 935 120847 121535 247 247 154367 154413 201
TABLE II.18
MOVEMENT OF COMPLAINTS – GENERAL INSURERS
Sl. Insurer 2016-17 2017-18
No. Opening Reported Attended to Pending at Opening Reported Attended to Pending
Balance during during the end Balance during during at the end
the year the year of the year the year the year of the year
(i) Public total 525 19053 19060 518 518 22568 21784 1302
(ii) Private total 446 33051 33229 268 268 21427 21351 344
Grand total: 971 52104 52289 786 786 43995 43135 1646
TABLE II.19
MOVEMENT OF COMPLAINTS - INDUSTRY
Insurer 2016-17 2017-18
Opening Reported Attended to Pending at Opening Reported Attended to Pending
Balance during during the end Balance during during at the end
the year the year of the year the year the year of the year
(Life + General) 1906 172951 173824 1033 1033 198362 197548 1847
the complaints reported related to Premium during
the year 2017-18 as compared to 2016-17.
CHART II.16
Complaints reported under all other categories have MOVEMENT OF COMPLAINTS - INDUSTRY
- LAST TWO YEARS
maintained the same share as that of the previous
year.
The analysis of the complaints under policy type 250000
indicates that health insurance complaints are more
198362 197548
200000
during the last 3 years as compared to the
complaints reported under motor insurance. 150000
■2016-17
■2017-18
Grievances – 2017-18 in comparison with 2016- 100000
17
50000
II.7.5 Life Insurance Industry – In number of 1906 1033 1033 1847
complaints reported, there has been an increase of Opening Balance Reported Attended Pending
125ANNUAL REPORT 2017-18
about 28% in the year 2017-18 (154367 in 2017-18 16% in the year 2017-18 as compared to the number
as against 120847 in 2016-17). As regards the reported in 2016-17(43995 in 2017-18 as against
pending complaints as at 31.03.2018, it is observed 52104 in 2016-17). As regards the pending
that 201 complaints were pending as against 247 complaints, the number as at 31.03.2018 reads 1646
as at 31.03.2017. as against 786 pending as at 31.03.2017.
II.7.6 General Insurance Industry – In number of II.7.7 During the Year 3863 grievances have been
complaints reported, there has been a reduction of referred to IRDAI of the grievances registered in
TABLE II.20
INSURERS REGISTERED NIL PENDING COMPLAINTS AS AT 31.03.2018
Sl. Insurer type Name of the insurer Pending complaints as at
No. 31.03.2018 31.03.2017
1 LIC 0 0
2 Aegon Life 0 0
3 Aviva 0 0
4 Bharti Axa 0 8
5 EdleweissTokio 0 0
6 Life Insurers Exide Life 0 0
7 Future Generali 0 15
8 IDBI Federal 0 0
9 Max Life 0 0
10 SBI Life 0 2
11 Star Union Daichi 0 0
12 Tata AIA 0 0
13 HDFC ERGO General 0 0
14 Kotak General 0 2
15 L&T General 0 0
16 General Insurers Liberty Genral 0 3
17 Max Bupa Health 0 0
18 Shriram General 0 0
19 Universal Sompo 0 0
TABLE II.21
RECEIPT AND DISPOSAL OF GRIEVANCES REGISTERED IN DARPG PORTAL AND
REFERRED TO IRDAI FROM 1.04.2017 TO 31.03.2018
Grievance Opening Received During Total Cases Disposed Pending
Source Balance the Period Receipts of During as on
the Period 31/03/2018
DARPG 13 293 306 291 15
DPG 7 238 245 226 19
Local/Internet 59 1433 1492 1441 51
Pension 1 8 9 9 0
PMO 79 1864 1943 1878 65
President Secretariat 1 27 28 28 0
Total 160 3863 4023 3873 150
126ANNUAL REPORT 2017-18
TABLE II. 22
GRIEVANCES REFERRED TO IRDAI - PENDING AS AT 31.03.2018
Name of Opening Grievances Grievances Pending Pending Pending Pending Pending
Organisation Balance as Received Disposed as on 0 to 16 to 31 to more than
on 01/04/2017 31/03/2018 15 days 30 days 60 days 60 days
IRDAI 160*
(148+12) 3863 3873 150 104 37 9 0
Note: *12 Grievances pertaining to FY 2016-17 escalated by DARPG in FY 2017-18 and added to opening balance.
DARPG Portal. A total of 3873 grievances have been be elected as the Chairperson of the Executive
disposed of during the year. 150 grievances were Committee of the Life Insurance Council.
pending as at 31.03.2018. Out of 150 grievances
There are some other functional committees
pending as at 31.03.2018, no grievances were
framed within the members of Life Insurance
pending for resolution beyond 60 days.
Council, which are as below:
II.8 INSURANCE ASSOCIATIONS AND
(cid:129) Legal and Compliance Sub-Committee –
INSURANCE COUNCILS
This committee generally discusses various
II.8.1 Life Insurance Council
challenges faced by them in implementing
Life Insurance Council is a representative body regulatory circulars, notifications etc and
of the insurers, who carry Life Insurance provide feedback against the same.
Business in India.
Legal and Compliance Sub-committee of Life
As per Section 64F of the Insurance Act 1938 , Insurance Council met thrice in the FY 2017-
The Executive Committee of the Life Insurance 18 to discuss on the various issues. Based on
Council is a Governing Committee , which the discussions, Life Insurance Council has sent
shall consist of the following persons, namely:— appropriate representations to IRDAI and other
(a) four representatives of members of the Life Government authorities. Few of the topics which
Insurance Council elected in their individual were deliberated at length in meeting and
capacity by the members in such manner as represented to concerned Authority are listed
may be laid down in the bye-laws of the Council; below : -
(b) an eminent person not connected with
(cid:129) Exposure Draft on repeal of IRDA (Standard
insurance business, nominated by the Authority;
Proposal form for Life Insurance) Regulations
(c) three persons to represent insurance
2013.
agents, intermediaries and policyholders
respectively as may be nominated by the (cid:129) Classification List of Outsourcing activities
Authority; (d) one representative each from self- which has been adopted by all Insures as
help groups and Insurance Co-operative common standards.
Societies: Provided that one of the
(cid:129) Clarifications sought by Authority on Operation
representatives as mentioned in clause (a) shall
of Senior Citizen Welfare Fund Account.
127ANNUAL REPORT 2017-18
(cid:129) Stamp duty issues faced by the industry (Final Other Activities / feedback to IRDAI by Life
Opinion awaited). Insurance Council:
(cid:129) Risk Management Sub-Committee – This (cid:129) Report on 'Common Minimum Standards for
committee discusses on various aspects of risk the Industry for reporting purposes to
factors being faced by Life Insurance Industry IRDAI’: The 6th General Body Meeting of Life
and mitigate the same. This committee consists Insurance Council held on November 22, 2017
of Chief Risk Officer (CRO’s) of Life Insurer’s. deliberated on the agenda item – ‘Creation of
Self-Regulatory Organization of Life Insurers’.
The first meeting of Risk Management
After detailed deliberation, it was decided to
Committee was held on 22nd February, 2018.
form an Empowered Group of Member
Few of the suggestions put forth by member
Companies for preparing Common Minimum
during the meeting: -
Standards for the Industry for reporting
(cid:129) To form an Editorial Team within Committee who purposes to IRDAI. The Report prepared by the
will come up with “Online Magazine” once in Empowered Group would be considered for
two months for the Industry which will cover adoption by the General Body of Life Insurance
the risks faced by members during the day to Council. Accordingly, Empowered Group
day. consisting of 6 member companies along with
Secretary, Life Insurance Council was formed.
(cid:129) To come up with “Common Risk Checklist” for
Industry which will be placed before GB for The Empowered Group held a series of
approval and once approved it will be adopted meetings and in its deliberations finalised that
by the Industry. there would be six areas of reporting wherein
Uniformity & Consistency would be required by
(cid:129) Insurance Awareness Sub-Committee – The
the Industry. Also there would be three areas
Insurance Awareness Committee of Life
of reporting wherein Enhancement would be
Insurance Council was constituted to spread
required by the Industry. The Committee report
awareness amongst public. It is further revived
is awaited.
in November 2017. Currently the committee
constitutes of four members. (cid:129) Meeting to Develop a format for collecting/
documenting suitability information at sale/
The first meeting of the committee was held on
solicitation’ – IRDAI had sought views of Life
24th November 2017 at Gurugram and since
Insurance Council on the above subject matter.
then the committee and its member
Accordingly, the issue was discussed in the LI
representatives are meeting on regular
Council Legal & Compliance Sub-Committee
intervals.
meeting held on 24th October 2017, wherein
The Committee is in advanced stages of after detailed deliberations, the unanimous view
finalising a holistic campaign for the life of the members was that Insurers should be
insurance industry. allowed to have their own format to collect
suitability information of the prospect. The same
was then submitted to IRDAI for their due
consideration.
128ANNUAL REPORT 2017-18
(cid:129) Committee constituted on the IRDAI current membership of the GI Council is 42, viz., 4
(Sharing of Database for Distribution of public sector insurers, 21 private sector insurers, 6
Insurance Products) Regulation, 2010. – standalone health insurers, 2 specialized insurers
IRDAI had sent communication dated 31st May, (AIC and ECGC), Reinsurer (GIC Re) and 8
2017 to seek views of LI Council to improve Branches of Foreign Reinsurers.
the effectiveness of Referral Business Channel.
The Executive Committee of the General Insurance
For this purpose, LI Council constituted a
Council consists of the following persons, namely: -
Committee to look into all aspects and final
recommendation of the Committee was (a) four representatives of members of the General
circulated to all members for their views. Basis Insurance Council elected in their individual
the views received from members, the capacity by the members in such manner as
may be laid down in the byelaws of the Council;
Committee made final recommendation to LI
Council, which was then sent to IRDAI.
(b) an eminent person not connected with
insurance business, nominated by the IRDAI
(cid:129) Committee formed to Review Resignation
and
of ISP's of IMF’s -
(c) four persons to represent insurance agents,
This committee was formed exclusively for
third party administrators, surveyors and loss
Review of ISP’s of IMFs. The first Meeting of
assessors and policyholders respectively as
the three member committee constituted by
may be nominated by the IRDAI:
IRDAI was held at the Life Insurance Council
on 08th January, 2018. After detailed One of the elected representatives as mentioned in
deliberations the committee prepared a check (a) is elected as the Chairperson of the Executive
list and processes to be adopted by IMF before Committee of the General Insurance Council.
sending the resignation of ISP to Life Insurance
As per Section 64L (1) of the Insurance Act, 1938,
Council. The Committee has submitted the
the GI Council has the following functions:
same to authority for its kind consideration and
approval with a request to issue a suitable (a) to aid and advise insurers, carrying on general
direction to IMF to comply with the same. insurance business, in the matter of setting up
Quarterly report on the above is submitted to standards of conduct and sound practice and
Authority. in the matter of rendering efficient service to
holders of policies of general insurance;
II.8.2 GENERAL INSURANCE COUNCIL
(b) to render advise to IRDAI in the matter of
II.8.2.1 The General Insurance Council (GI Council)
controlling the expenses of such insurers
is a representative body of general insurers including
carrying on business in India in the matter of
Stand-Alone Health Insurers, Specialized Insurers,
commission and other expenses;
Reinsurers, Foreign Reinsurer Branches (FRBs) and
(c) to bring to the notice of IRDAI the case of any
Lloyd’s India, registered with IRDAI. It has been
such insurer acting in a manner prejudicial to
constituted under section 64C of the Insurance Act,
the interests of holders of general insurance
1938 and since 2001 by the Insurance Regulatory
policies;
and Development Authority of India (IRDAI). The
129ANNUAL REPORT 2017-18
(d) to act in any matter incidental or ancillary to (cid:129) The value of the claim including expenses
any of the matters specified in clauses (a) to claimed is not above Rs 30 lakhs.
(c) as with the approval of IRDAI may be notified
A complaint to the Ombudsman can be about:
by the GI Council in the Gazette of India.
a) Delay in settlement of claims, beyond the time
II.9. Insurance Ombudsman
specified in the regulations, framed under the
II.9.1 The institution of Insurance Ombudsman was IRDAI Act, 1999.
created by the Government of India under the
b) Any partial or total repudiation of claims by the
redressal of Public grievances Rules, 1978, notified
Life insurer, General insurer or the Health
in official Gazette, on 11th November 1998. The
insurer.
governing body of Insurance Council (GBIC)
consisting of one representative from each c) Any dispute about premium paid or payable in
Insurance Company (both life and general) appoints terms of insurance policy
Insurance Ombudsman who are drawn from the civil
d) Misrepresentation of policy terms and
services, Judicary and Insurance Industry. This
conditions at any time in the policy document
Institution was created for aggrivied policy holders
or policy contract.
to have their complaints setteled out of the courts
system in a cost effective, impartial, and speedy way. e) Legal construction of insurance policies in so
far as the dispute relates to claim.
There are at present 17 Insurance Ombudsman in
different locations and any person who has a f) Policy servicing related grievances against
grievance against an insurer, may himself or through insurers and their agents and intermediaries.
his legal heirs, nominee or assignee, make a
g) Issuance of life insurance policy, general
complaint in writing to the Insurance ombudsman
insurance policy including health insurance
within whose territorial jurisdiction the branch or
policy which is not in conformity with the
office of the insurer complained against or the
proposal form submitted by the proposer.
residential address or place of residence of the
complainant is located.
h) Non issuance of insurance policy after receipt
of premium in life insurance and general
One can approach the Ombudsman with complaint
insurance including health insurance and
if:
i) Any other matter resulting from the violation of
(cid:129) You have first approached your insurance
provisions of the Insurance Act, 1938 or the
company with the complaint and
regulations, circulars, guidelines or instructions
(cid:129) They have rejected it
issued by the IRDAI from time to time or the
(cid:129) Not resolved it to your satisfaction or terms and conditions of the policy contract, in
so far as they relate to issues mentioned at
(cid:129) Not responded to it at all for 30 days
clauses (a) to (f)
(cid:129) Your complaint pertains to any policy you have
taken in your capacity as an individual and
130ANNUAL REPORT 2017-18
The settlement process II.9.2 During 2017-18, the Seventeen Ombudsmen
centers spread across India have received a total of
Recommendation:
25478 complaints. While 13419 complaints (about
The Ombudsman will act as mediator and 52 percent) pertained to life insurers, the remaining
12059 complaints (about 48 percent) related to
(cid:129) Arrive at a fair recommendation based on the
general insurers. This was in addition to 2330
facts of the dispute
complaints pending with various offices of
(cid:129) If you accept this as a full and final settlement, Ombudsmen as at the end of March 2017.
the Ombudsman will inform the company which
II.9.3 During 2017-18, Ombudsmen disposed of
should comply with the terms in 15 days
17225 complaints. Out of these complaints,
Award: Ombudsmen declared 74 percent of the complaints
as non-acceptable/not-entertainable. Awards/
(cid:129) If a settlement by recommendation does not
recommendations were issued for 13 percent of total
work, the Ombudsman willPass an award within
3 months of receiving all the requirements from complaints. Other than this, 8 percent of the
the complainant and which will be binding on complaints were withdrawn/settled, while nearly 5
the insurance company
percent of the complaints were dismissed. 10583
Once the Award is passed complaints were pending as on 31st March, 2018.
(cid:129) The Insurer shall comply with the award within
30 days of the receipt of award and intimate
the compliance of the same to the Ombudsman.
TABLE II.23
DISPOSAL OF COMPLAINTS BY INSURANCE OMBUDSMEN 2017-18
Insurer Complaints Received Total Complaints No. of Complaints disposed by way of Complaints
O/S as during disposed O/S as on
on 1.4.2017 2017-18 during (I) (II) (III) (IV) 31.3.2018
2017-18
Life 1376 13419 14795 9475 1137 567 452 7319 5320
[12%] [6%] [5%] [77%]
General 954 12059 13013 7750 1082 734 475 5459 5263
[14%] [9%] [6%] [70%]
Combined 2330 25478 27808 17225 2219 1301 927 12778 10583
[13%] [8%] [5%] [74%]
Note: O/S: Outstanding
(I) Recommendations / Awards (II) Withdrawal / Settlement (III) Dismissal (IV) Non-acceptance / Not-entertainable
131ANNUAL REPORT 2017-18
TABLE II.24
LIST OF INSURANCE OMBUDSMEN - REGION / JURISDICTION-WISE
S. Name of Year of State wise Area Name of Current
No. the Office Inception of Jurisdictiojn Ombudsman
1 Ahmedabad 1999 Gujarat, Vacant
Dadra & Nagar Haveli,
Daman and Diu
2 Bengaluru 2014 Karnataka. Smt. Neerja Shah
3 Bhopal 2000 Madhya Pradesh Shri Guru Saran Shrivastava
Chattisgarh
4 Bhubaneswar 2000 Orissa Vacant
5 Chandigarh 1999 Punjab, Dr. Dinesh Kumar Verma
Haryana,
Himachal Pradesh,
Jammu & Kashmir,
Chandigarh
6 Chennai 1999 Tamil Nadu, Shri M. Vasanthakrishna
Pondicherry Town and
Karaikal (which are
part of Pondicherry)
7 Delhi 1999 Delhi Vacant
8 Guwahati 1999 Assam, Shri Kirti B. Saha
Meghalaya,
Manipur,
Mizoram,
Arunachal Pradesh,
Nagaland and Tripura
9 Hyderabad 1999 Andhra Pradesh, Shri I. Suresh babu
Telangana,
Yanam and
part of Territory of Pondicherry
10 Jaipur 2014 Rajasthan Smt. Sandhya Baliga
11 Kochi 2000 Kerala, Vacant
Lakshadweep,
Mahe-a part of Pondicherry
132ANNUAL REPORT 2017-18
S. Name of Year of State wise Area Name of Current
No. the Office Inception of Jurisdictiojn Ombudsman
12 Kolkata 2000 West Bengal, Vacant
Sikkim,
Andaman & Nicobar Islands
13 Lucknow 1999 Districts of Uttar Pradesh : Vacant
Laitpur, Jhansi, Mahoba,
Hamirpur, Banda, Chitrakoot,
Allahabad, Mirzapur,
Sonbhabdra, Fatehpur,
Pratapgarh, Jaunpur,Varanasi,
Gazipur, Jalaun, Kanpur,
Lucknow, Unnao, Sitapur,
Lakhimpur, Bahraich,
Barabanki, Raebareli,
Sravasti, Gonda, Faizabad,
Amethi, Kaushambi,
Balrampur, Basti,
Ambedkarnagar, Sultanpur,
Maharajgang, Santkabirnagar,
Azamgarh, Kushinagar,
Gorkhpur, Deoria, Mau,
Ghazipur, Chandauli, Ballia,
Sidharathnagar.
14 Mumbai 2000 Goa, Shri Milind A. Kharat
Mumbai Metropolitan Region
excluding Navi Mumbai
& Thane
15 Noida 2014 State of Uttaranchal and the Vacant
following Districts of
Uttar Pradesh: Agra, Aligarh,
Bagpat, Bareilly, Bijnor,
Budaun, Bulandshehar, Etah,
Kanooj, Mainpuri, Mathura,
Meerut, Moradabad,
Muzaffarnagar, Oraiyya,
Pilibhit, Etawah,
Farrukhabad, Firozbad,
Gautambodhanagar,
Ghaziabad, Hardoi,
Shahjahanpur, Hapur,
Shamli, Rampur, Kashganj,
Sambhal, Amroha, Hathras,
Kanshiramnagar, Saharanpur
16 Patna 2014 Bihar, Vacant
Jharkhand
17 Pune 2014 Maharashtra, Vacant
Area of Navi Mumbai and
Thane excluding Mumbai
Metropolitan Region
133--ANNUAL REPORT 2017-18
PART – III
STATUTORY AND DEVELOPMENTAL FUNCTIONS OF THE AUTHORITY
Section 14 of the IRDA Act, 1999 (IRDA Act) lays Foreign Reinsurer’s Branches and Lloyd’s India:
down the duties of the Authority to regulate, promote As per Amendment of Section 2(9) of Insurance Act,
and ensure orderly growth of the insurance business 1938 defines insurer as “a foreign company engaged
and reinsurance business. Sub-section (2) of the in reinsurance business through a branch
said section lays down the powers and functions of established in India”. For the purposes of this sub-
the Authority. Part III of the Annual Report covers clause, the expression “foreign company” shall mean
the activities of the Authority in 2017-18 while a company or body established or incorporated
carrying out its functions and exercising the powers under a law of any country outside India and includes
conferred on it. Lloyd’s established under the Lloyd’s Act, 1871
(United Kingdom) or any of its Members.
III.1 Issue to the applicant a certificate of
registration, renew, modify, withdraw, suspend Consequently foreign reinsurers and Lloyds are
or cancel such registration allowed to make application to the Authority to set
up their branch offices in India. The Authority has
III.1.1 During the FY 2017-18, the following 4 new
notified regulations in respect of the same.
companies have been issued certificates of
registration as General Insurance Companies in During 2017-18, the foreign reinsurers who were
India: granted Certificate of Registration (CoR) to transact
re-insurance business through their branch offices
a) DHFL General Insurance Limited (Date of
in India is given in the Table III.1
Registration: 22.05.2017, Reg No.155)
Thus as at 31st March, 2018 there are eight Foreign
b) Acko General Insurance Limited (Date of
Reinsurer’s Branches, in addition the Lloyd’s India
Registration: 18.09.2017, Reg No:157)
and one of its Service Companies (MS Amlin (India)
c) Go Digit General Insurance Limited (Date of Private Limited) are registered with the IRDAI.
Registration: 20.09.2017, Reg No.158)
TABLE III.1
d) Edelweiss General Insurance Company FOREIGN REINSURERS’ BRANCHES/
SYNDICATE, SERVICE COMPANIES OF
Limited (Date of Registration: 18.12.2017, Reg
LLOYDS' INDIA REGISTERED DURING 2017-18
No.159)
Sl. Name of Date of issue of
With the entry of these insurers, the number of No. Foreign Reinsurer Certificate of
Registration (CoR)
general insurers has gone up to 27.
1 General Reinsurance
III.1.2 Indian Reinsurance Companies: As at 31st AG, Germany 09-05-2017
March, 2018 there are two Indian Re-Insurance
2 AXA France VIE, France 28-07-2017
Companies registered with the IRDAI i.e. General
Insurance Corporation of India and ITI Reinsurance
Ltd.
135ANNUAL REPORT 2017-18
III.2 Protection of the interests of policyholders organization on handling policyholder grievances
in matters concerning assigning of policy, with seriousness, promptness and empathy to
nomination by policyholders, insurable interest, enhance the trust and confidence in the insurance
settlement of insurance claim, surrender value sector.
of policy and other terms and conditions of
III.2.2 The Authority has advised all insurance
contracts of insurance.
companies not to reject the genuine claims intimated
III.2.1 The Authority has notified IRDAI (Protection or submitted at a later date than the time specified
of Policyholders’ Interests) Regulations, 2017 in the policy, due to un avoidable circumstances. The
providing for various do’s and don’ts for insurers and insurer’s decision to reject a claim due to delay in
intermediaries at the point of sale, point of claim, submission of intimation or documents, shall have
etc. The Authority has also advised insurers to have to be based on sound logic and valid grounds as
in place, a board approved policy for protection of the time limitation clause is neither absolute nor does
policyholders which shall include various service work in isolation. As such an insurer shall not
parameters and Turnaround time (TAT) for rendering repudiate any claim unless and until the reasons of
services to policyholders under the said regulations. delay are specifically ascertained, recorded and
Further, the regulations also mandate insurers to insurers satisfy themselves that those claims would
have in place an effective mechanism for redressal have otherwise been rejected even if reported in
of policyholder’s grievances. The Authority, has set time.
up a “Grievances Cell” as well as a “Grievance Call
III.2.3 Various issues relating to unclaimed amounts
Center” for policyholders of life and general
have been addressed through circulars as under:
insurance companies in order to provide speedy,
cost effective and efficient grievance redressal a) Unclaimed amounts defined - “Unclaimed
system. The system enables the complainants to amount includes any amount payable to
register, track their complaints online. Apart from Policyholder as death claim, maturity claim,
playing a facilitative role in helping policyholders survival benefits, premium due for refund,
getting their grievances redressed by the insurers premium deposit not adjusted against premium
within the stipulated time, the Authority also and indemnity claims etc. remained unclaimed
examines on a continuous basis, the underlying beyond six months from the due date for
issues that cause grievances and works towards settlement of the claim amount.”
rectifying the systemic issues involved. The Authority
b) Unclaimed amounts need to be maintained as
has also mandated all insurers to have in place, a
a single segregated fund with investment
Policyholders’ Protection Committee as stipulated
mandated in money market instruments and/
in the guidelines for Corporate Governance. The
or fixed deposits of scheduled banks. Recovery
Regulations also prescribes Grievance Redressal
of expenses capped at 20 basis points.
Procedure and lay down the circumstances in which
Information of unclaimed amounts needs to be
the complaint is treated as closed. It is also
disclosed on website and the bank account
emphasized about the need to review the systems
details mandated to be linked for all new
in place to sensitize not only frontline staff but also
policies. Communication to policyholder is
customer service staff/officials at all levels of the
136ANNUAL REPORT 2017-18
mandated and ageing reporting format also was consequent inconvenience/loss to annuitants, in
prescribed. No appropriation or write back is order to protect the policyholder’s interests, the
allowed. Authority mandated as under in respect of
deferredpension/annuity plans where all Annuities
c) Unclaimed amounts shall not be counted for
falling due from 1st April 2016.
solvency margin and reporting on aging of the
unclaimed amounts as also disclosures in the (cid:129) The Insurer shall obtain Annuity Option duly
notes to Accounts are prescribed. From the exercised by the proposer at the proposal stage.
financial year 2016-17 onwards, the investment Necessary provision shall be made in the
income earned was mandated to be allocated proposal forms. The same shall be captured in
to the unclaimed amount fund. It was also laid the proposal/policy record.
down that the insurer pays the identified
(cid:129) In all the deferred annuity policies where the
unclaimed amount along with the investment
life insurer has not obtained Annuity Option
income so credited to the Insured/policyholders/
exercised by the proposer at proposal stage,
claimants. In case of any award/order made by
the same may be obtained and captured in the
statutory body including a court, which includes
policy records without further loss of time.
an interest component, it shall not carry any
further interest. (cid:129) At least 6 months prior to the vesting date, the
insurer shall send a communication to the
III.2.4 To enable access to data relating to insurance
policyholder intimating the Annuity amount
status of motor vehicles with a view to assisting road
under various options available and the selected
accident victims or claimants of motor third party
option. Insurer shall provide an opportunity for
insurance, the Authority, through the Insurance
the policyholder to review his decision based
Information Bureau of India, has provided a web
on the latest information and select any other
based facility. The facility provides the users the
annuity option than what he/she selected
details of the vehicle, insurance status and address
earlier. Insurer shall clearly inform the
of the policy issuing office.
policyholder in that communication that the last
III.2.5 Keeping in mind the gap created by the exit date for receipt of revised option, if any, is at
of insurance agents in servicing the life insurance least 90 days prior to the date of vesting giving
policies and also to promote the persistency of a specific date.
insurance policies, the Authority has prescribed that
(cid:129) If no revised option is received at least 90 days
insurance companies allot lapsed orphan life
prior to date of vesting, the Insurer may go
insurance policies to individual insurance agents
ahead and process the annuity payments as
whose registration is in force. The allotted agent’s
per the original option exercised at the proposal
details would be intimated by the insurer to the
stage/collected later as stated at Point 2. If a
policyholder concerned.
revised option is exercised by the policyholder
III.2.6 On noticing that in deferred annuity plans, non- which is received by the Insurer at least 90 days
receipt of Annuity Option from the policyholders prior to the date of vesting, the annuity
before the vesting date is leading to delay in the payments are to be processed and released
commencement of annuity on vesting date and according to the revised option.
137ANNUAL REPORT 2017-18
III.2.7 During the F.Y. 2017-18, In order to attend to specified clearly in the regulations framed under the
the insurance claims arising out of loss of life and IRDA Act, 1999 vide Insurance Surveyors and Loss
belongings due to Floods in Gujarat, North Eastern Assessors (Licensing, professional requirements
Region, Mumbai and Bihar, the Authority has and code of conduct), Regulations, 2015, Insurance
directed the Insurers to simplify the process and take Regulatory and Development Authority (Insurance
certain proactive steps to expedite claim settlement. Brokers Regulations), 2018, Insurance Regulatory
Further, during 2018-19 also, the Authority has and Development Authority of India (Appointment
directed the insurers to extend the same provisions of Insurance Agents) Regulations, 2016 and
in respect of recent floods (Aug. 2018) in the State Insurance Regulatory and Development Authority
of Kerala and certain flood affected districts in the of India (Registration of Corporate Agents)
State of Karnataka. Regulations, 2015.
III.2.8 The Authority mandated that “All insurance III.3.2 The following regulatory frame work has been
products shall provide the prospective policyholder laid down by the Authority to further strengthen the
a customized benefit illustration, illustrating the regulatory supervision.
guaranteed and non guaranteed benefits at gross
Issued circular No. IRDA/INT/CIR/T&E/136/07/2016
investment returns of 4% and 8% and as specified
on harmonization of training and examination
by IRDAI or Life Insurance Council from time to time”.
requirements for various channels of distribution.
It was also advised that wherever the illustration is
given in advertisements, it must be with both the III.4 Specifying the code of conduct for surveyors
scenarios with investment returns of 4% and 8% and loss assessors
with equal prominence in font size, at the same place
III.4.1 The duties and responsibilities of a surveyor
and in the same page to enable the prospects to
and loss assessor are specified in Chapter IV of the
compare both scenarios; so as to give better
IRDAI (Insurance Surveyors and Loss Assessors)
appreciation of possible benefit depending on the
Regulations, 2015. The Regulation 13 inter alia
yield.
states that:
III.2.9 To improve the persistency rates alongside
(cid:129) It shall be the duty of every Licensed Surveyor
significant business growth, the Authority mandated
and Loss Assessor to investigate, manage,
the methodology and other requirements like Board
quantify, validate and deal with losses (whether
approved persistency report along with Appointed
insured or not) arising from any contingency
Actuary’s report. The mandate is also intended to
and report thereon to the insurer or insured.
achieve uniform and systematic methodology in the
calculation of persistency rate in all regulatory (cid:129) All licensed surveyors and loss assessors shall
reporting and internal assessments. carry out the said work with competence,
objectivity and professional integrity strictly
III.3 specifying requisite qualifications, code of
adhere to the code of conduct as stipulated in
conduct and practical training for intermediaries
IRDAI Surveyors Regulations, 2015.
or insurance intermediaries and agents.
III.4.2 The code of conduct regarding the
III.3.1 The licensing and code of conduct for all the
professional and ethical requirements for conduct
intermediaries in the insurance business are
138ANNUAL REPORT 2017-18
of their professional work is specified in Chapter VI 2017. Adherence to code of conduct by surveyors
of the Regulations. The Regulation 16 elaborates and loss assessors has been further emphasized
on the code which, inter alia, stipulates that every under Regulation 9 of the said Regulation, while
surveyor and loss assessor shall: dealing with settlement of claims in respect of nonlife
insurance policy.
(cid:129) behave ethically and with integrity in the
professional pursuits; III.4.4 During the year 2017-18, the Authority has
issued the following surveyors related circulars/
(cid:129) strive for objectivity in professional and business
orders:
judgment;
(cid:129) Vide Order No. IRDAI/SUR/Comm/ORD/262/
(cid:129) act impartially when acting on instructions from
11/2017 dated 5th December, 2017, Authority
an insurer in relation to a policyholder’s claim
constituted a Committee to examine the request
under a policy issued by that insurer; and
of IIISLA for granting of Charter Status to them
(cid:129) conduct himself with courtesy and after detailed examination of various issues
consideration with all people he comes into related therewith, and to suggest suitable
contact during the course of his work; framework / recommendations. The term of the
Committee was up to 31st March 2018 which is
(cid:129) not accept or perform survey work in areas for
further extended to 30th June, 2018.
which he does not hold a license
(cid:129) A Circular Ref. No. IRDAI/NL/CIR/Misc/042/03/
(cid:129) carry out his professional work with due
2018 dated 6th March, 2018 was issued on
diligence, care skill and with proper regard to
Closure/Dissolution of Corporate Surveyors
technical and professional standards expected
whereby it was clarified to the licensed
of him
surveyors who are directors and partners in
(cid:129) work only as surveyor and loss assessor in corporate entities, not to take up individual work
insurance business and not undertake any without modifying /surrendering the corporate
business advisory or consultancy service or surveyor license as specified above and that
work which could give rise to conflict of interest; such act shall be deemed as violation of code
of conduct stipulated by the Authority invoking
(cid:129) not perform any outsourced activity other than
regulatory action under Regulation 23 and 24
those permitted by the Authority’s Outsourcing
of IRDAI Surveyors Regulations.
Guidelines;
(cid:129) IRDAI conducted a Half Day Seminar for
(cid:129) every surveyor and loss assessor who is an
Corporate surveyors on 27th April, 2018 in order
employee of an insurer shall only survey and
to highlight the regulatory requirements and the
assess the loss and not involve himself/herself
fact that any failure to comply with the
in settlement of claims.
regulations may initiate strict regulatory action
including suspension/cancellation and
III.4.3 Further, in order to protect the interest of
policyholders, the Authority has framed the IRDAI penalties. Most of the corporate surveyors
participated in the program.
(Protection of Policyholders’ Interest) Regulations,
139ANNUAL REPORT 2017-18
III.5 Promoting efficiency in the conduct of Electronic Transaction Administration and
insurance business Settlement System (ETASS)
Insurance Repositories III.5.4 The Electronic Transaction Administration and
Settlement System (ETASS) is a clearing house
III.5.1 The Insurance Repository System is an
system that facilitates sharing of documents and
initiative of the Authority to de-materialize insurance
accounting statements pertaining to the coinsurance
policies. To achieve this objective, the Authority
and reinsurance transactions and is designed to aid
issued the guidelines on Insurance Repositories and
easy reconciliation of inter-entity balances. ETASS
electronic issuance of insurance policies in April,
shall provide electronic functionality for automated
2011.
negotiation, deal placement, binding of risks,
III.5.2 The Authority has further issued “Guidelines documentation, accounting, reconciliation and
on Pilot launch of the Insurance Repository System” settlement of balances, messaging, risk
for boosting the existing system and understanding management, etc. The ETASS system shall strive
the market trend. The feedback on this initiative was to bring complete transparency into reinsurance and
very positive and an approximate 1.8 lakh eIA coinsurance operations while addressing the
(electronic Insurance Accounts) have been opened. security and privacy needs of the members. The
Further, around 50000 policyholders evinced interest Authority in order to facilitate smooth
for conversion of their hard copy in electronic form. operationalization of the ETASS and for its continued
development and patronage had issued ‘Guidelines
III.5.3 Subsequently in May, 2015, the Authority has
for ETASS Administration’ on 11th May, 2015. The
issued the “Revised Guidelines on Insurance
GI Council has been designated as the
Repositories and electronic issuance of Insurance
‘Administrator’ and is entrusted with the responsibility
policies”. At present, there are total 16 lakhs eIA
of extending the ETASS system to support the needs
created and a total of 12.47 Lakhs policies converted
of other lines of coinsurance business and later to
into electronic mode.
reinsurance.
The list of approved Insurance Repositories is given
The ETASS phase 1 project dealt with the
in Table III.2
coinsurance transactions in the Fire LOB only. The
initial software was developed with the capability of
TABLE III.2
capturing input data of coinsurance premium and
INSURANCE REPOSITORIES APPROVED
claim transactions in a pre-defined XML format from
BY THE AUTHORITY
(As at 31st March, 2018) Lead insurer. The data entered by the Lead insurer
could then be accessed by other Coinsurers who
Sl. No. Name
could then confirm or dispute the details therein.
1 National Insurance-policy Repository,
NSDL Database Management Limited Based on the confirmations of all participants, the
2 CDSL Insurance Repository Limited financial exchanges could occur.
3 CAMS Repository Services Limited,
The ETASS Phase 2 project dealt with capturing of
Chennai
the correct transactional values for Fire LOB with
4 Karvy Insurance Repository Limited,
associated Facultative Reinsurance transactions.
Hyderabad
140ANNUAL REPORT 2017-18
The software development has dealt with the (XML) schema consisting of the field definitions, field
vagaries of the different processes followed internally properties and message content were earlier shared
by the various insurance companies and has for exchange of data between multiple players for
standardized data upload into ETASS. GI Council the Life Segment. Similarly, schemes have been
has suggested certain process mandates to be finalized to support the needs of ‘Health’, ‘Motor’ and
followed by all Member companies. There is a “Other lines of business”. These schemes would
generation of statement of settlements of accounts support the ‘individual lines’ of Life, General & Health
every fortnight to be used prima facie for remittance insurance transactions in the Insurance Repository
of funds amidst member companies. This phase was System.
made ‘Live’ on 1st April 2016.
International Financial Service Centers
The ETASS post the go ‘Live’, deals with the (Insurance Offices)
integration of coinsurance balances from all LOBs.
III.5.7 As per the provisions under The Special
The intercompany transactions in all LOBs are
Economic Zones Act, 2005, the International
captured in the system and the same process of
Financial Services Centre (IFSC) is opened at
confirmation/dispute is followed. All forms of
Ahmedabad, Gujarat (India) which is termed as GIFT
transactions and settlements that are inter-company
City, Gujarat.
are handled by this version. The ETASS system has
brought down the inter-company disputes in the area Central Government on 27-03-2015 had notified:
of coinsurances. Also, it is envisaged that the time IRDAI (Regulation of Insurance Business in Special
of settlements will be drastically reduced post the Economic Zone) Rules, 2015.
adoption of automated data entry and settlements
The IRDAI has issued guidelines facilitating
through the system. It is envisaged that the
registration process for opening of offices not only
settlements will be made online at the end of the
by domestic players but also by the foreign
phase. In this regard Authority has issued a Circular
(re)insurance companies in GIFT City.
dated 27.06.2018 to all General Insurers for
adherence to the rules, guidelines and operational As of end of 2017-18, the IRDAI has registered three
framework of ETASS as laid down by the IIOs.
Administrator from time to time.
Insurance e-commerce
Data Standards
III.5.8 In endeavor to increase the insurance
III.5.5 The Authority had embarked on the task of
penetration through the medium of e-commerce, the
compiling the data standards to facilitate easy
Authority has issued guidelines on Insurance e-
interfacing of IT systems of multiple entities in the
commerce vide circular number no. IRDA/INT/GDL/
insurance sector. The data standards bring about
ECM/055/03/2017 on 09th March 2017.
common definitions for the information exchange.
This helps in easy interfacing of multiple systems Insurance Self-Network Platform (ISNP) means an
both within and outside an organization. electronic platform set up by any applicant with the
permission of the Authority.
III.5.6 In order to support the Insurance Repository
System, standard Extensible Markup Language
141ANNUAL REPORT 2017-18
An individual agent is not permitted to set up a III.6 Promoting and regulating professional
separate insurance Self-Network platform instead organizations connected with the insurance and
can use respective insurers platform, if available. reinsurance business
Market Participants on Insurance Self-Network III.6.1 The Institute of Indian Insurance Surveyors
Platform shall include and Loss Assessors (IIISLA) is promoted and
established by IRDAI under Section 14 (2) (f) of the
I. Insurers registered by the Authority IRDA Act 1999 as a Section 25 Company, under
the Companies Act, 1956 (now defined as section 8
II. insurance intermediaries registered by the
company under The Companies Act, 2013).
Authority
Membership of IIISLA is mandatory for a person to
act as surveyor and loss assessor vide section 64
III. Any other person so recognized by the Authority
UM(1)(b) of the Insurance Act, 1938 as amended
The Authority has launched ISNP online portal by the Insurance Laws Amendment Act, 2015. The
(isnp.irda.gov.in) on 11th April 2017 for filling online Council of the Institute, comprising 12 elected
applications. members and 3 nominated members, controls the
affairs of the Institute.
Through the ISNP online portal insurers and
IRDAI has appointed M/s.Anandam& Co (Chartered
intermediaries can
Accountants) for conducting the audit of financial
I. Create a login credential for registration. accounts of IIISLA and to study the MOA/AOA and
the processes adopted by the institute.
II. Submit the ISNP application form online.
Subsequently IIISLA was advised to take up
III. Generate a print version of the application form
necessary interventions and to put proper
with all details prefilled.
governance structure in place.
IV. Download the guidelines on e-commerce
III.6.2 The Life Insurance Council and the General
V. Know more about ISNP and read FAQs section
Insurance Council which are statutory bodies under
VI. Track the status and read the important the Insurance Act, 1938, represent the life insurance
announcements from IRDAI companies and general insurance companies
respectively. These councils contribute towards
The status of the ISNP application received from
healthy growth of the industry by way of discussions,
insurers and intermediaries are given below.
representations before various authorities, spreading
Description Numbers insurance awareness, providing inputs on existing/
proposed regulatory stipulations. Development of
Insurers 47
these self-regulatory bodies augurs well for the
Brokers 67
industry to put across their view points on critical
Web Aggregators 17
areas for the growth of the industry.
Corporate Agents 19
Total 150
142ANNUAL REPORT 2017-18
BOX ITEM 5
InsureTech
Insurtech refers to the use of technology innovations in the field of insurance bringing about efficiencies in operations
and servicing. Financial Services, including insurance, are embracing technology faster by the day. InsurTech is
emerging speedily giving scope to the introduction of new business models, applications, processes and products.
Innovations in InsurTech come in from different sources—there are both demand side and supply side perspectives.
There are several types of innovations that fall within the scope of InsurTech—Digital platforms, Internet of Things
(IoT), Big Data Comparators, Robo Adviser, Machine Learning, Artificial Intelligence, Blockchain, P2P, Usage
based and so on. Insurers are keen on investing in technology as they perceive the risk of disruption if they don’t.
Many insurers have dedicated teams to monitor new technologies to be able to understand their true potential for
disruption.
Use of wearable and/or portable devices in insurance is a subject that frequently comes up in the context of
InsurTech. IRDAI’s Health Insurance Regulations recognise the role of ‘Wellness’ in risk assessment and product
design. In the context of both Health Insurance and Life Insurance, wearable devices could be used to measure
personal fitness, incorporate a healthy lifestyle etc. When it comes to Motor Insurance, recently the IRDAI had put
up a Discussion Paper on the subject of ‘Telematics’ in Motor Insurance. Indeed, it is important to understand
technology trends and their various implications for insurance even while seeking to harness the potential and
advantages they seem to offer. While encouraging innovation, the regulator must run alongside it, keeping in view
the interests of policyholders. It is from this perspective that IRDAI had set up a Working Group (WG) to examine
‘Innovations in insurance involving wearable / portable devices’. The remit of the Working Group was to make
recommendations relating to regulatory and supervisory framework in respect of InsurTech to the extent it relates
to Risk Assessment, Risk Improvement, Product Design and Product Pricing. The WG has since submitted its
report.
As far as risk assessment and risk improvement is concerned, technology facilitating this must be encouraged
but impact on costs for the policyholder needs to be borne in mind—so any innovation must be preceded by a
cost-benefit analysis. When it comes to product design and pricing, details of cognizance of usage of wearable/
portable devices should be part of the product filing. Such products should first be tested in the sandbox environment
(or on a pilot basis). Such an environment works within a well-defined space and duration. An important point
here would be the transition strategy when the proposed product exits the sandbox environment. The regulatory
framework may need to consider the standards of the devices. The consent of the customer to share data is a
must for participation in such products. IRDAI is currently examining the aspect of creating a regulatory sandbox
to encourage InsurTech.
143ANNUAL REPORT 2017-18
Insurance Information Bureau of India III.8.1 The Authority, through the Inspection
Department, pursues its on-site supervision of the
III.6.3 Section 14(2)(f) empowers the Authority to
regulated entities with regard to their observance
promote and regulate professional organizations
of/ compliance to provisions of relevant Acts,
connected with the insurance and re-insurance
Regulations, Guidelines/ Circulars, Directions,
business. Accordingly, Authority established the
Standards, etc.
Insurance Information Bureau of India (IIB) to fulfil
the need for a sector-level data repository and III.8.2 Section 33 of Insurance Act, 1938 and Section
analytics which would empower stakeholders 14(2)(h) of the IRDAI Act, 1999 lay down the
through provision of accurate, timely, reliable statutory provisions for calling information from and
insurance data and analysis. carrying out on-site inspection, including
investigation of insurance companies,
Institute of Insurance and Risk Management
intermediaries, insurance intermediaries and other
III.6.4 The Institute of Insurance and Risk organizations connected with the insurance
Management (IIRM) is a professional body jointly business. Supervisory oversight, at the minimum
promoted by IRDAI and erstwhile Government of involves a two-pronged approach, viz., off-site
Andhra Pradesh as an international education and examination and on-site inspection. Comprehensive
research organization for promotion of Insurance and focused inspections are undertaken at the site
education. The institute was registered as a Section of the regulated entities for assessment of their
25 company under Companies Act, 1956. The functioning by examination of relevant records,
overall working of IIRM is overseen by Board of books of accounts and business activities on sample
Directors headed by the Chairman of IRDAI. basis. The standard manuals on inspection are
suitably customized to assess compliance to various
Insurance Brokers Association of India (IBAI)
regulatory provisions and other applicable laws
III.6.5 In similar lines, brokers registered by the relating to financial condition, market conduct,
Authority are necessarily required to be the corporate governance and overall risk profile, etc.
members of the Insurance Brokers Association of of the regulated entities.
India (IBAI).
III.8.3 During the F.Y. 2017-18, the Inspection
III.7 Levying fees and other charges for carrying Department has undertaken 107 on site inspections.
out the purposes of the Act The details are as under:
III.7.1 The existing fee structure for insurers and - 11 Life Insurance Companies;
intermediaries is indicated in Annexure 2.
- 09 General Insurance Companies;
III.8 Calling information from, undertaking - 02 Health Insurance Companies;
inspection of, conducting enquiries and
- 01 Specialized Insurance Company;
investigations including audit of the insurers,
- 35 Corporate Agents; and
intermediaries, insurance intermediaries and
other organizations connected with the - 49 Insurance Brokers.
insurance business
144ANNUAL REPORT 2017-18
III.9 Specifying the form and manner in which Regulations, 2016 describe in detail the method of
books of accounts shall be maintained and computation of the Required Solvency Margin for
statements of accounts shall be rendered by General insurers, Standalone Health Insurers, Re-
Insurers and other insurance intermediaries. insurers and Branches of Foreign Re-insurers.
III.9.1 The financial statements of insurers are Similarly, The IRDAI (Assets, Liabilities and solvency
prepared in the form and manner prescribed under margin for Life Insurance Business) Regulations,
2016 addresses the matter in respect of Life
the IRDA (Preparation of Financial Statements and
Insurers.
Auditors’ Report of Insurance Companies)
Regulations, 2002, amended from time to time and
III.11.2 In the case of life insurers, the minimum
also by various circulars and guidelines issued from
Required Solvency Margin is rupees fifty crore
time to time. Books of accounts are maintained in
(rupees one hundred crore in the case of reinsurer)
order to present various line items as required under and arrived at in the manner specified by the
these Regulations. Authority. The Insurance Laws (Amendment) Act,
2015 specifies a level of solvency margin known as
In case of intermediaries, books of accounts and
control level of solvency, on the breach of which,
financial statements are required to be maintained
the Authority shall direct the insurer to submit a
in the form and manner stipulated under the
financial plan indicating a plan of action to correct
respective regulations/ circulars/ guidelines.
the deficiency within a specified period not exceeding
Wherever the Authority has not stipulated the form/ six months.
and manner in which books of accounts are to be
In the case of general insurers, Re-insurers and
maintained, provisions of Companies Act/Rules and
Branches of Foreign Re-insurers, the Required
other applicable Acts/Rules apply.
Solvency Margin shall be the maximum of the fifty
III.10 Regulating investment of funds by percent of minimum capital/Assigned Capital
Insurance Companies requirement for the insurer or reinsurer or Branches
of Foreign Re-insurers; or higher of RSM-1 and
III.10.1 IRDAI (Investment) Regulations, 2016 read
RSM-2 computed as under for each Line of Business
along with Master Circular and guidelines amended
separately:
from time to time regulate Insurers’ Investments.
(cid:129) RSM-1 means the Required Solvency Margin
III.11 Regulating maintenance of margin of
based on net premiums, and shall be
solvency
determined as twenty percent of the amount
III.11.1 Every insurer is required to maintain a which is higher of the Gross Premiums
Required Solvency Margin as per Section 64VA of
multiplied by a Factor A and the Net Premiums.
the Insurance Act, 1938. Every insurer shall maintain
For the purpose of calculation of RSM1, ‘Trailing
an excess of the value of assets over the amount of
12 month’s premium’ will be taken into account.
liabilities of not less than an amount stipulated by
the IRDAI, which is referred to as a Required (cid:129) RSM-2 means the Required Solvency Margin
Solvency Margin. The IRDAI (Assets, Liabilities and based on net incurred claims, and shall be
Solvency Margin of General Insurance Business) determined as thirty percent of the amount
145ANNUAL REPORT 2017-18
which is the higher of the Gross Incurred Claims (obligations of Insurers to Rural and Social Sectors)
multiplied by a factor B and the Net Incurred Regulations, 2002. The obligations stated in these
claims. For the purpose of calculation of RSM2, regulations shall be applicable from F.Y 2016-17.
Claims will be taken into account as maximum
The obligations of the insurers as per regulatory
of ‘Trailing 12 months Claims’ and ‘Trailing 36
provisions are as under:
months Claims divided by 3’.
III.14.2 Rural sector
III.12 Adjudication of disputes between Insurers
and Intermediaries or Insurance Intermediaries
(a) In respect of a Life Insurer, the following
percentages of the total number of policies written
III.12.1 As per Regulation 59(2) of IRDAI (Insurance
in the respective years shown below: -
Brokers) Regulations, 2018, any disputes arising
between an insurance broker and an insurer or any Sl. Financial Year Percentage of
other person either in the course of his engagement No. from Inception number of policies
as an insurance broker or otherwise may be referred 1 First year 7
2 Second year 9
to the Authority by the person so affected; and on
3 Third year 12
receipt of the complaint or representation, the
4 Fourth year 14
Authority may examine the complaint and if found 5 Fifth year 16
necessary proceed to conduct an enquiry or an 6 Sixth and seventh year 18
7 Eighth and ninth year 19
inspection or an investigation in terms of these
8 Tenth year and every 20
regulations. year thereafter
(b) In respect of a General Insurer, the percentage
III.13 Specifying the percentage of premium
of gross premium income written direct in the
income of the insurer to finance schemes for
respective years is shown below: -
promoting and regulating professional
organizations referred to in III.6
Sl. Financial Year Percentage of
No. from Inception number of policies
III.13.1 The Authority has not prescribed any
1 First year 2
percentage of the premium income of the insurer to
2 Second year 3
finance schemes for promoting and regulating
3 Third year to seventh year 5
professional organizations referred to in para (6).
4 Eighth year 6
5 Ninth year and every 7
III.14 Specifying the percentage of life insurance
year thereafter
business and general insurance business to be
undertaken by the insurers in the rural and social (c) In respect of Standalone Health Insurers, 50%
sector. of the obligations specified for General Insurers.
III.14.1 IRDAI (Obligations of Insurers to Rural and
Social Sectors) Regulations, 2015 have been notified
on 24th August, 2015 and shall supersede the IRDA
146ANNUAL REPORT 2017-18
III.14.3 Social Sector case of Group Insurance. In case of Individual health
Insurance policies covering the lives of family
(cid:129) In respect of all insurers (Life, General,
members, the lives covered under such policy maybe
Standalone Health): -
taken into account both in determination of target
as well as actual performance.
Age of Percentage of Social Sector lives
the Insurer computed on the total business
In case where an Insurer commences operations in
in years procured in the preceding financial year**
the second half of the financial year and is in
1 0.5
operations for less than six months as at 31st March
2 1.0
of the relevant financial year
3 1.5
4 2.0
(i) No rural and social sector obligations shall be
5 2.5
6 3.0 applicable for the said period, and
7 3.5
8 4.0 (ii) Where the insurer commences operations in
9 4.5 the first half of the financial year, that shall be
10 and 5.0
treated as the first year of operations and the
above
applicable obligations for the first year shall be
**Total business for the purpose of these regulations 2500 lives for Social Sector. Similarly, the
is the total number of policies issued in case of obligations for Rural Sector shall be half of the
individual insurance and number of lives covered in percentage specified for the first year.
147--ANNUAL REPORT 2017-18
PART - IV
ORGANISATIONAL MATTERS
IV. 1. ORGANIZATION S Vikamsey who continued as Part-time member of
the Authority up to 11th February, 2018.
IV. 1.1 Shri T.S.Vijayan, appointed as Chairman of
the Authority, by the Government of India for a term IV.2 MEETINGS OF THE AUTHORITY
of five years with effect from 21st February, 2013,
IV.2.1 Four meetings of the Authority were held
held office up to 20th February, 2018. Ms. Pournima
during the financial year 2017-18. Two meetings of
Gupte (Whole-time Member - Actuary), Shri Nilesh
the Insurance Advisory Committee were convened
Sathe (Whole-time Member - Life) and Shri PJ
during the same period. The details are given
Joseph (Whole-time Member - Non-life) continued
hereunder:
in the Authority during the year.
Authority Meetings:
Mrs. Vijayalaxmi Rajaram Iyer appointed as Whole-
time Member - Finance & Investment by the 1) 97th Meeting of the Authority was held on 31st
Government of India, held office till attaining the age May, 2017
of 62 years up to 31st May, 2017. Shri Sujay Banarji,
2) 98th Meeting of the Authority was held on 28th
Ex-General Manager and Director, OICL was
August, 2017
appointed as Whole-time Member (Distribution) with
effect from 1st March, 2018. Shri Kutumbe Pravin
3) 99th Meeting of the Authority was held on 29th
Hari, Executive Director (Investment/Monitoring &
November, 2017
Accounting), LIC of India was appointed as Whole-
4) 100th Meeting of the Authority was held on 9th
time Member (Finance & Investment) with effect
February, 2018
from 12th March, 2018.
Insurance Advisory Committee Meetings:
IV. 1.2 Shri S B Mathur, former Chairman, LIC of
India, appointed as Part-time member by the
1) 34th Meeting of the IAC was held on 21st
Government of India for a period of five years, held
August, 2017
office up to 23rd September, 2017. Shri Ravi Mital,
Additional Secretary, Department of Financial 2) 35th Meeting of the IAC was held on 2nd
Services, Ministry of Finance was appointed as Part- February, 2018
time Member of the Authority with effect from 17th
IV.3 HUMAN RESOURCES
July, 2017 vice Shri N. Srinivasa Rao, Economic
Advisor, Department of Financial Services, Ministry IV 3.1 The staff strength and the need for additional
of Finance. Ms. Sushama Nath, former Finance manpower are reviewed from time to time. The staff
Secretary, continued as Part-time member of the strength was last revised in May, 2017. The position
Authority during the year. CA Naveen N D Gupta, of sanctioned and actual staff strength as on 31-03-
President of the Institute of Chartered Accountants 2018 is as under: -
of India, became Part-time Member of the Authority
with effect from 12th February, 2018, vice CA Nilesh
149ANNUAL REPORT 2017-18
(cid:129) One employee was sent to a seminar organized
Sl. Class As on 31-03-2017 As on 31-03-2018
No. Sanctioned Actual Sanctioned Actual by Financial Services Agency, Japan.
1 I 229 164 224 196
(cid:129) 27 newly recruited Assistant Managers were
2 III & IV 24 22 22 17
given induction training for four weeks at the
National Insurance Academy, Pune in February,
(cid:129) During the year 2017-18, 29 employees in the
2018 followed by two weeks of Practical Training
grade of Assistant Manager including two staff
in Public Sector Insurance Companies.
candidates, 2 employees in the grade of
Manager, 1 employee in the grade of AGM and
(cid:129) 19 Assistant Managers were given refresher
1 employee in the grade of DGM had joined.
training for four weeks in Public and Private
Sector Insurance Companies.
(cid:129) 3 employees in the grade of Assistant and 1
employee in the grade of Assistant Manager
IV. 4 INTERNAL COMMITTEE FOR WOMAN
had resigned.
EMPLOYEES
(cid:129) 8 Officers in Class I were given offer of
IV. 4.1 In terms of provisions of “The Sexual
appointment in January, 2018 and have joined
Harassment of Women at Workplace (Prevention,
subsequently in the month of April, 2018.
Prohibition and Redressal) Act, 2013”, the Internal
Complaints Committee (ICC) has been reconstituted
Promotions to the following grades took place
vide office order ref: IRDA/HR/ORD/PER/200/08/
in July, 2017:
2017 dated 28-08-2017 with a view to redressing
Promoted grade Number promoted the complaints in this regard as also to ensure
Chief General Manager 02 compliance of various provisions laid down in the
Act.
General Manager 05
Deputy General Manager 02 IV. 4.2 During the year 2017-18, no complaint was
Assistant General Manager 06 received by ICC.
Manager 01
IV. 4.3 One complaint received in the previous year
was disposed-of in this financial year.
(cid:129) Two employees were nominated for NAIC
International Fellows Programme.
CATEGORY-WISE STAFF STRENGTH
Category-wise Strength Percentage of Total Strength
Category Total Strength SC ST SC ST
2016-17 2017-18 2016-17 2017-18 2016-17 2017-18 2016-17 2017-18 2016-17 2017-18
Class - I 164 196 19 23 4 7 11.58 11.73 2.44 3.57
Class – III &IV 22 17 5 2 1 1 22.72 11.76 4.54 5.88
Total 186 213 24 25 5 8 12.90 11.74 2.68 3.75
150ANNUAL REPORT 2017-18
IV. 5 PROMOTION OF OFFICIAL LANGUAGE (OL) encouraged all employees to use Hindi in their day-
to-day correspondence, assisted in the preparation
IV. 5.1 The Insurance Regulatory and Development
of agenda and minutes in Hindi for Authority
Authority of India continued its concerted efforts to
meetings, maintain registers in bilingual form and
promote the use of Hindi in Official work and to
encouraged office notings and documents in Hindi.
ensure compliance of various provisions of Official
Languages Act,1963 and Official Languages IV. 5.4 OLI Department maintained the roster
Rules,1976 framed thereunder. recording details of employees according to their
proficiency/working knowledge in Hindi. This was
IV. 5.2 A separate Official Language Implementation
particularly useful for nominating employees for
Department (OLI) has been functioning to ensure
Probodh, Praveen, Pragya and Parangat trainings
effective compliance of various provisions relating
conducted by Hindi Training Institute, Department
to implementation of official language. All
of Official Language, Ministry of Home Affairs,
documents, laid on the table of Parliament, were
Government of India. During 2017-18, 15 employees
brought out in bilingual form. During the year, special
were given Probodh and Pragya Hindi knowledge
efforts were made to ensure compliance of the
training, four employees were given Hindi typing
Official Language policy of the union enshrined in
training and One employee was given Hindi-English-
the constitution of India including the Official
Hindi Translation training.
Languages Act, 1963, the Official Languages Rules,
1976, Government of India annual programme for IV. 5.5 Article and evidence sub-committee of
use of Hindi and the orders issued by the Committee of Parliament on Official Language has
Department of Official Language from time to time. carried out successful discussion programme with
The letters/representations/appeals/RTI applications IRDAI on 1st September 2017 at Hyderabad. The
received in Hindi were replied to in Hindi in Chairman, Member (Actuary) and Executive Director
compliance of Rule 5 of the O.L. Rules, 1976. attended the meeting with the honorable
Implementation of Rule 11 of the said Rules was Parliamentarians. The Committee appreciated the
also ensured. progress made by IRDAI in implementation of official
language.
IV. 5.3 The OLI Department collected data related
to Quarterly Progress Report from all the IV.5.6 The OLI Committee has been reconstituted
Departments in IRDAI in the format prescribed by with all HODs as members and the meetings were
the Rajbhasha Vibhag, GOI. The consolidated data held once in every quarter. The OLI Committees
was submitted to Department of Official Language, have been set up at New Delhi Regional Office
Ministry of Home Affairs and Department of Financial (NDRO) and Mumbai Regional Office (MRO) also.
Services, Ministry of Finance within the stipulated Hindi workshops were conducted regularly for
time period. Besides quarterly progress report; half employees to familiarize them with the rules relating
yearly progress report, annual progress report and to Hindi, Hindi typing with the help of Unicode and
evaluation reports were also prepared and submitted other easy-to-use methods for wider use of Hindi in
to the aforesaid Departments. OLI Department day-to-day work. During FY 2017-18, 92 employees
arranged translation from Hindi to English and vice attended these workshops. Leaflets of Hindi Rules,
versa, as and when required by Departments. It
151ANNUAL REPORT 2017-18
annual program for use of Hindi and common Hindi of Hindi in offices and implementation of OL Rules.
notings were distributed during Hindi workshops. OLI Department interacted regularly with
Communication Department of IRDAI for publishing
IV.5.7 IRDAI attended half yearly meetings of the
consumer awareness material in Hindi and other
Town Official Language Implementation Committee
regional languages.
(Bank) Hyderabad (TOLIC) with the participation of
top executives. IRDAI has been awarded first prize IV.6 RESEARCH & DEVELOPMENT
by Town Official Language Implementation
IV.6.1 The Research & Development wing of IRDAI
Committee (Bank) Hyderabad (TOLIC) for
continues to be the nodal point for the compilation
implementation of the official language. Nine
of the Annual Report and the Handbook on Indian
employees won prizes in different Hindi competitions,
Insurance Statistics, which is an annual publication
organized under the aegis of TOLIC.
consisting of time series data, apart from other
IV.5.8 Official Language Department, Department activities listed hereunder.
of Financial Services, Ministry of Finance conducted
IV.6.2 Consequent upon the publication of first
OLI inspection of New Delhi Regional Office
edition of the Handbook on Indian Insurance in 2008,
(NDRO), on 11th November 2017 to assess OL
IRDAI continued to extend the coverage of this
implementation. 43 Hindi books, written by prominent
publication in order to meet the increasing needs of
authors, were added to the Library to promote Hindi.
various stakeholders in the industry. The 10th edition
Quarterly in-house newsletter, ‘Spandan’ is being
of the handbook was published in February 2018;
published, with articles in Hindi and English.
with 98 time-series data tables included in it. In the
IV.5.9 Hindi Pakhwada was inaugurated by the present Handbook, four financial years’ data was
Chairman and celebrated from 14th to 28th published while the other financial years’ data is
September, 2017. For the purpose, a 10-member available in soft form on the IRDAI website. IRDAI
Committee was formed under the chairmanship of continues to strive at improving the coverage and
the Executive Director. During the celebrations, content of the Handbook in its subsequent editions.
various competitions were conducted like Essay
IV.6.3 The Authority has been providing various types
Writing, Translation, Noting and Drafting, Extempore,
of data to RBI, MOSPI, DFS & OECD as and when
Slogan/Advertisement writing and Antakshari. The
required by them. The Authority is providing
Pakhwada ended with a cultural function which was
periodical data to RBI on Shadow Banking as and
attended by employees and their families. The
when requested, Network Analysis on quarterly
Chairman and Member (Life) presented prizes to
basis and inputs for preparation of Financial Stability
the winners under various categories (Hindi
Report on half-yearly basis.
speaking and non-Hindi speaking) to 43 employees
of the Head Office. The Pakhwada was also IV.6.4 The Government of India constituted two Sub-
celebrated at NDRO and MRO, in which 15 and 5 Committees for construction of ‘Service Production
employees respectively, were given awards. Index’ and ‘Service Price Index’ for the Insurance
Sector in order to include the sector’s output in the
IV.5.10 The official of OLI Department delivered a
construction of Wholesale Price Index.
guest lecture at ESSO-Indian National Centre for
Ocean Information Services, Hyderabad on usage
152ANNUAL REPORT 2017-18
IV.6.5 IRDAI has been providing continuous laid down in the agreement.
assistance to MOSPI by providing requisite data for
The validity of the contract was also extended till
construction of Service Price Index and Service
30th Nov, 2019 and the project cost was revised to
Production Index.
`32.57 Crore as approved in 97th meeting of
IV.6.6 Systemic Risk in Financial Sector is a major Authority held on 31st May 2017.
concern right now due to inter connectedness of
Training on BAP
the financial institutions across the world. A large
amount of funds of insurance companies is also All the newly joined staff of operational departments
invested in the financial system. RBI is collecting of IRDAI were provided hands-on training on their
and analyzing such data to find out any possibility respective modules of BAP. During the year,
of such systemic risk and restore financial stability. exclusive training sessions were also organized for
IRDAI has been collecting the data as required by Insurance Brokers at Hyderabad and Mumbai.
RBI on quarterly basis from 21 selected insurance
Status of utilization of BAP module:
companies and forwarding the same to RBI for
analysis at their end. The following modules of the portal are extensively
used in BAP:
IV.7 STATUS OF INFORMATION TECHNOLOGY
a) Investment module (Online filing of returns)
Continuous upgradation of Technology is vital for
b) Life module (Online filing of returns)
effective and efficient operations of various
departments of IRDAI. Hence, several upgradation c) Advertisement (Life/General/Health)
activities have been carried out during the year. d) Brokers module (Registrations and On-life filing)
e) Surveyors (Registrations and On-line filing)
IV.7.1 Business Analytics Project (BAP)
f) Product filing (Life & Non-Life)
BAP was specially designed for off-site supervision
g) Office filing ((Life/General/Health)
of regulated entities. It enables the operational
h) F&A (Life & Non-Life)
departments to analyze the data received from
various insurers/ intermediaries and also enables
The following modules are undergoing major
the regulated entities to submit the data/ returns to
revisions due to amendments in the regulations/
IRDAI on a periodical basis. The portal was fully
guidelines:
made operational from 01st Jan 2016.
a) TPA (Registrations and On-line filing)
As BAP is a regulatory tool, it is essential to keep
b) Health (Registrations and On-line filing)
the tool up-to-date with the regulatory changes, in
c) F&A (Life and Non-Life)
order to ensure that the off-line monitoring system
is aligned to the current regulatory requirements of d) Insurer registration
IRDAI. In this connection, a sum of `1.36 crores were
Other activities completed in BAP
spent during the year 2017-18 towards
implementation of changes in various modules of a) Improved user friendliness of the portal.
BAP as per the change management methodology
153ANNUAL REPORT 2017-18
b) Implementation of feedback mechanism and The new IT facilities were made fully operational with
FAQ for Surveyor module. the successful completion of the following activities:
c) Self-educating documents and videos have a) Establishment of temporary leased line
been placed for end users under Surveyor tab connectivity between two office premises to
-> Surveyor FAQ link. enable smooth shifting.
d) Major technical bugs were rectified in Surveyor b) Shifting of entire IT infrastructures from the old
module for ensuring its seamless functioning. office to the new office location seamlessly with
minimum down-time for operations.
e) Foreign re-insurance branches and new
insurers have been made as a part of BAP. c) Installation of networking infrastructure in IRDAI
New office premises and making the same
IV.7.2 IMPLEMENTATION OF STATE-OF-ART IT
operational.
INFRASTRUCRE
d) Establishment of Backup 20Mbps Internet
A comprehensive upgradation of all IT facilities
leased line along with 20Mbps primary internet
covering the following was carried out during the
leased line for employees.
year.
IV.7.3 TECHNOLOGY UPGRADE FOR ERP
(cid:129) Automated meeting rooms with facility for Audit/
LANDSCAPE
Video Conferencing.
During the year, the technology landscape of entire
(cid:129) Meeting Reservation Management System.
ERP solution was successfully migrated to latest
(cid:129) New Campus Networking environment with version with the completion of following activities:
high-speed 10 Gigabit backbone with
1. Procurement of new hardware setup through
redundancies built-in at all levels of Network
appropriate tendering process, installation of
layers.
the same and migration to the latest version of
(cid:129) Implementation of Network Management ERP.
System for ensuring smooth operations of
2. Development and implementation of
network.
customized reports related to loans,
(cid:129) Establishment of Wi-Fi connectivity for internal attendance, leaves, receipts, payments, etc.
users, visitors, meeting rooms and training
IV.7.4 OTHER MAJOR ACTIVITIES:
halls.
The other major activities completed during the year
(cid:129) Implementation of new Access Control System,
2017-18 are as follows:
IP Cameras, facial readers, visitor management
system and biometric attendance system for 1. Successfully migrated to e-procurement mode
improved physical security. for procurement of IT Assets through
Government e-market place (GeM) and also
through the Centralized Public Procurement
Portal.
154ANNUAL REPORT 2017-18
2. Setting up of Insurance Grievance Call Centre a cornucopia of information which will serve as an
(IGCC) through appropriate tendering process. educational tool to sensitize the various stakeholders
of the insurance industry about the development in
3. Freezing of requirements in respect of renewal
the Indian and Global Insurance Sector. The insights-
of Corporate Agency registrations, capturing of
laden contributions from the seasoned experts of
KYC details and web-wallet reconciliation
the industry possessing high domain knowledge and
4. Establishment of backup 20mbps internet vast industry experience, have been the infallible
leased line along with 20mbps primary internet source of strength for the Journal. The articles have
leased line for internal employees. been contributed by prolific academicians from the
insurance industry and the journal stands to benefit
5. Enabled composite and reinsurance brokers to
immensely from their intellectual wherewithal. More
view UIN allocated to the Cross Border
often than not, contents of the Journal are proffered
Reinsurers facilitating the reinsurance business.
by specialists with an acute sense of empirical
6. Renewal of Annual Maintenance Contracts of comprehension vis-à-vis the sophistication of the
the IT equipment installed in Regional offices modern Insurance sector. IRDAI Journal strives to
mobilize, process and disseminate information and
IV.7.5 Other Major activities completed:
news related to insurance for the readers and aims
to publish articles of sterling standard. Statistical
1. Shifting of IT assets to new building without any
major problems. information pertaining to Life, General and the Health
Insurance sectors is also published to provide a bird’s
2. Implementation of Procurement method as per
eye-view of the Indian insurance industry. The web
GFR 2017 with full compliance, which includes
copy of the Journal continues to be the source of
using of GeM portal and e-tendering through
information and covers many topical issues for the
CPPP portal.
various stakeholders.
IV.8. ACCOUNTS
Each issue of the quarterly Journal is centered on a
theme relevant to the insurance industry. Ever since
IV.8.1 The accounts of the Authority for the Financial
the advent of the Journal, various topics reflecting
Year 2017-18 have been submitted to the
the dynamism of the industry which ran the gamut
Comptroller and Auditor General of India (C&AG)
from customer service, health Insurance, disaster
for audit and certification. The audited accounts for
management-role of insurance in risk mitigation,
the financial year 2016-17 were laid before the Rajya
grievance handling in insurance industry, crop
Sabha on 19th December, 2017 and before the Lok
insurance, role of intermediaries in insurance
Sabha on 22nd December, 2017, in terms of Section
industry, role of CSR activities in insurance industry,
17 of IRDA Act, 1999.
Micro Insurance, Motor Insurance, role of information
IV. 9 IRDAI Journal
technology in Insurance sector, etc. have been
meticulously captured by the Journal in order to
IV.9.1 IRDAI has been publishing the IRDAI Journal,
provide an absorbing and thought-provoking
since the year 2002, with a wholesome view to offer
155ANNUAL REPORT 2017-18
experience to the readership. Furthermore, the IV.11 ACKNOWLEDGEMENTS
Journal is made available, free of cost, on the
IV.11.1 IRDAI would like to place on record its
website of the Authority for the benefit of general
appreciation and sincere thanks to the Members of
public.
the Authority, Members of the Insurance Advisory
IV.10 IRDAI OFFICE BUILDING Committee, the Reinsurance Advisory Committee,
Department of Financial Services (Ministry of
The construction of new office building has been
Finance), Members of the Consultative Committee,
completed and occupancy certificate was received
all insurers and intermediaries for their invaluable
from TSIIC on 20.12.2017. IRDAI started functioning
guidance and co-operation in its proper functioning;
from new office premises with effect from 26th
and to the compact team of officers and employees
December, 2017. The Hon’ble Vice President of India
of IRDAI for efficient discharge of their duties. The
Shri M. Venkaiah Naidu dedicated IRDAI building to
Authority also records its special thanks to the
the nation on 11th February, 2018. As against the
members of the public, the press, all the professional
estimated cost of `148.98 crore, a sum of `130.33
bodies and international agencies connected with
crore was expended towards the construction of the
the insurance profession through their councils
building.
including the International Association of Insurance
Supervisors (IAIS) for their valuable contribution from
time to time.
156STATEMENTSANNUAL REPORT 2017-18
STATEMENT 1
INTERNATIONAL COMPARISON OF INSURANCE PENETRATION*
(In percent)
Countries 2016** 2017**
Total Life Non-Life Total Life Non-Life
Australia 6.52 2.99 3.53 5.81 2.33 3.48
Brazil 4.04 2.28 1.76 4.05 2.28 1.77
France 9.23 6.06 3.17 8.95 5.77 3.18
Germany 6.08 2.75 3.33 6.04 2.63 3.41
Russia 1.38 0.25 1.13 1.4 0.36 1.04
South Africa 14.27 11.52 2.74 13.75 11.02 2.74
Switzerland 8.85 4.72 4.12 8.53 4.41 4.12
United Kingdom 10.16 7.58 2.58 9.58 7.22 2.36
United States 7.31 3.02 4.29 7.1 2.82 4.28
Asian Countries
Hong Kong 17.6 16.2 1.41 17.94 14.58 3.36
India# 3.49 2.72 0.77 3.69 2.76 0.93
Japan# 9.51 7.15 2.37 8.59 6.26 2.34
Malaysia# 4.77 3.15 1.62 4.77 3.32 1.44
Pakistan 0.89 0.63 0.26 0.86 0.6 0.26
PR China 4.15 2.34 1.81 4.57 2.68 1.89
Singapore 7.15 5.48 1.67 8.23 6.64 1.58
South Korea# 12.08 7.37 4.72 11.57 6.56 5
Sri Lanka 1.12 0.52 0.6 1.16 0.54 0.62
Taiwan 19.99 16.65 3.34 21.32 17.89 3.42
Thailand 5.42 3.72 1.7 5.29 3.59 1.69
World 6.28 3.47 2.81 6.13 3.33 2.8
Source: Swiss Re, Sigma Volumes 3/2017 and 3/2018
* Insurance penetration is measured as ratio of premium (in US Dollars) to GDP (in US Dollars)
** Data pertains to the calender year 2016 and 2017.
# Data relates to financial year 2016-17 & 2017-18.
159ANNUAL REPORT 2017-18
STATEMENT 2
INTERNATIONAL COMPARISON OF INSURANCE DENSITY*
(In US $)
Countries 2016** 2017**
Total Life Non-Life Total Life Non-Life
Australia 3397.1 1558.5 1836.6 3247.0 1304.0 1942.0
Brazil 346.3 195.5 150.8 398.0 224.0 174.0
France 3395.3 2227.7 1167.5 3446.0 2222.0 1224.0
Germany 2547.6 1150.6 1397.1 2687.0 1169.0 1519.0
Russia 122.8 22.4 100.3 152.0 39.0 113.0
South Africa 762.5 615.8 146.7 842.0 674.0 167.0
Switzerland 6933.5 3700.3 3233.0 6811.0 3522.0 3289.0
United Kingdom 4063.6 3033.2 1030.5 3810.0 2873.0 938.0
United States 4174.1 1724.9 2449.2 4216.0 1674.0 2542.0
Asian Countries
Hong Kong 7678.8 7065.6 613.2 8313.0 6756.0 1557.0
India# 59.7 46.5 13.2 73.0 55.0 18.0
Japan# 3731.7 2803.4 928.3 3312.0 2411.0 901.0
Malaysia# 452.2 298.3 153.9 486.0 339.0 147.0
Pakistan 13.1 9.2 3.9 13.0 9.0 4.0
PR China 337.1 189.9 147.2 384.0 225.0 159.0
Singapore 3776.8 2894.5 882.4 4749.0 3835.0 915.0
South Korea# 3361.9 2049.6 1312.3 3522.0 1999.0 1523.0
Sri Lanka 45.6 21.2 24.5 47.0 22.0 25.0
Taiwan 4320.7 3598.7 722.0 4997.0 4195.0 803.0
Thailand 323.4 222.0 101.4 348.0 237.0 112.0
World 638.3 353 285.3 650 353 297
Source: Swiss Re, Sigma Volumes 3/2017 and 3/2018
* Insurance density is measured as ratio of premium (in US Dollar) to total population.
** Data pertains to the calender year 2016 and 2017.
# Data relates to financial year 2016-17 & 2017-18.
160ANNUAL REPORT 2017-18
161
3
TNEMETATS
MUIMERP
SSENISUB
WEN
)erorc
`(
81-7102
71-6102
61-5102
51-4102
41-3102
31-2102
21-1102
11-0102
01-9002
90-8002
80-7002
70-6002
60-5002
50-4002
40-3002
30-2002
20-1002
10-0002
RERUSNI
50.741
75.99
33.631
05.702
22.741
09.531
56.702
78.472
73.051
12.13
--
--
--
--
--
--
--
--
efiL nogeA
75.523
19.342
08.023
98.655
67.395
04.786
68.108
93.547
73.897
65.427
89.3501
53.127
21.704
92.291
69.67
74.31
--
--
avivA
41.1924
62.0923
25.4882
01.2072
30.2952
09.7892
13.7172
28.5643
01.1544
34.1944
84.4766
47.2034
77.6172
54.758
55.971
93.36
41.7
--
znaillA jajaB
68.037
16.806
94.935
02.474
16.573
29.842
95.422
87.743
34.734
39.292
42.311
87.7
--
--
--
--
--
--
AXA itrahB
08.2662
62.4352
13.0222
49.7391
94.7961
15.6381
71.6291
03.0802
10.0692
58.0282
10.5691
27.288
21.876
13.126
68.944
75.921
11.82
23.0
efiL nuS alriB aytidA
47.7221
79.289
81.958
89.674
70.806
27.606
01.786
92.718
26.226
14.692
--
--
--
--
--
--
--
--
CBSH aranaC
86.5541
39.378
20.727
95.975
59.271
10.041
61.301
51.47
83.73
73.3
--
--
--
--
--
--
--
--
aciremarP LFHD
64.243
99.722
95.381
24.221
27.08
33.74
88.01
--
--
--
--
--
--
--
--
--
--
--
oikoT ssiewledE
09.957
67.268
58.236
57.446
18.765
02.836
41.836
94.066
34.246
59.886
44.407
66.764
89.382
24.282
01.27
66.71
91.4
--
efiL edixE
53.285
78.993
95.552
14.252
09.422
34.042
30.543
16.844
80.684
79.941
94.2
--
--
--
--
--
--
--
ilareneG erutuF
16.94311
63.6968
22.7846
01.2945
39.8304
70.6344
74.7583
33.9504
15.7523
11.1562
73.5862
58.8461
56.2401
51.684
33.902
13.921
87.23
200.0
dradnatS CFDH
57.1129
03.3687
57.5676
31.2335
95.9573
26.8084
90.1444
41.2687
29.3336
38.1186
57.4308
31.2615
05.2062
43.4851
48.057
11.463
33.311
79.5
laitnedurP ICICI
30.338
55.397
04.885
05.484
96.513
41.543
10.113
59.444
65.004
87.613
09.11
--
--
--
--
--
--
--
laredeF IBDI
79.6941
58.0761
01.8741
76.8351
63.1861
24.6131
13.289
77.407
95.102
--
--
--
--
--
--
--
--
--
tsriFaidnI
12.4043
47.9482
66.9022
81.0451
18.1721
01.8811
72.4611
41.3521
89.3331
30.3431
26.6011
49.416
60.693
99.373
15.521
12.53
85.7
--
ardnihaM katoK
95.8434
53.6663
17.1882
06.2752
06.1622
43.9981
27.1091
93.1602
80.9481
19.2481
38.7951
11.219
63.174
36.332
82.731
13.76
08.83
61.0
efiL xaM
80.7241
87.8411
71.3001
60.928
98.576
80.048
79.6701
22.607
58.1601
07.4411
53.528
44.043
35.841
25.75
14.32
07.7
84.0
--
efilteM BNP
26.519
85.1501
33.8551
96.9602
99.3391
75.6731
92.9081
49.4303
87.0293
89.3153
50.1572
11.239
65.391
33.19
12.72
23.6
82.0
--
noppiN ecnaileR
71.4
46.44
34.34
44.83
90.56
34.16
41.17
38.19
38.421
10.431
21.221
00.34
43.62
47.1
--
--
--
--
arahaS
41.66901
68.34101
85.6017
61.9255
84.5605
88.2815
23.1356
85.9857
47.0407
46.6835
28.2974
48.3652
28.728
58.484
50.702
88.17
96.41
--
efiL IBS
33.018
98.337
97.396
25.894
38.983
56.024
99.093
99.175
05.914
74.413
99.903
71.181
33.01
--
--
--
--
--
efiL marirhS
27.007
11.007
88.755
39.926
58.265
08.447
77.469
96.857
78.915
91.05
--
--
--
--
--
--
--
--
ihci-iaD
noinU ratS
24.8841
91.2311
97.047
50.213
67.334
61.065
55.939
12.2331
10.2231
76.2411
15.469
28.446
35.464
55.792
95.181
77.95
41.12
--
AIA ataT
12.28495
73.91605
84.47804
18.12843
34.61592
85.94703
87.30123
48.58393
10.27383
00.25143
59.51733
56.52491
76.96201
75.4655
17.0442
96.569
15.862
54.6
latoT etavirP
)15.71(
)48.32(
)83.71(
)79.71(
)10.4-(
)22.4-(
)94.81-(
)46.2(
)63.21(
)92.1(
)65.37(
)61.98(
)55.48(
)99.721(
)47.251(
)56.952(
)07.1604(
07.176431
13.385421
6905.1987927.70587
97.80809
05.11667
52.26818
53.21078
09.12517
80.97135
75.69995
65.32265
78.51582
60.35602
26.74371
67.67951
77.88591
89.0079
CIL
)01.8(
)72.72(
)96.42(
)55.31-(
)35.81(
)14.6-(
)29.5-(
)66.12(
)94.43(
)63.11-(
)17.6(
)71.79(
)70.83(
)50.91(
)85.8(
)44.81-(
)39.101(
09.351491
86.202571
99.567831
25.923311
22.523021
80.163701
30.669311
81.893621
19.398901
80.13378
25.21739
12.94657
45.58783
46.71262
23.88791
54.24961
82.75891
34.7079
latoT yrtsudnI
)28.01(
)62.62(
)44.22(
)28.5-(
)80.21(
)08.5-(
)48.9-(
)20.51(
)48.52(
)18.6-(
)88.32(
)40.59(
)49.74(
)94.23(
)08.61(
)86.41-(
)65.401(
.tnecrep
ni
raey
suoiverp
eht
revo
htworg
eht
tneserper
stekcarb
eht
ni
serugiF
)1 :etoNANNUAL REPORT 2017-18
162
4
TNEMETATS
MUIMERP
ECNARUSNI
EFIL
LATOT
)erorc
`(
81-7102
71-6102
61-5102
51-4102
41-3102
31-2102
21-1102
11-0102
01-9002
90-8002
80-7002
70-6002
60-5002
50-4002
40-3002
30-2002
20-1002
10-0002
RERUSNI
12.135
27.054
06.105
02.955
00.354
05.034
23.754
16.883
56.561
12.13
--
--
--
--
--
--
--
--
efiL nogeA
22.4431
15.6331
51.3941
52.6971
01.8781
76.0412
78.5142
71.5432
10.8732
78.2991
88.1981
32.7411
72.006
24.352
05.18
74.31
--
--
avivA
73.8757
23.3816
13.7985
03.7106
41.3485
07.2986
08.3847
59.9069
17.91411
25.42601
13.5279
42.5435
85.3313
86.1001
08.022
71.96
41.7
--
znaillA jajaB
93.4861
05.6931
33.8021
23.3501
56.278
25.447
61.477
20.297
37.966
14.063
14.811
87.7
--
--
--
--
--
--
AXA itrahB
00.3095
69.3275
17.9755
22.3325
50.3384
03.6125
63.5885
70.7765
66.5055
08.1754
91.2723
17.6771
86.9521
74.519
45.735
29.341
62.82
23.0
efiL nuS alriB aytidA
60.1872
17.4922
69.9502
20.7561
24.3281
51.2191
80.1681
68.1351
54.248
14.692
--
--
--
--
--
--
--
--
CBSH aranaC
64.4481
01.2411
12.029
01.537
68.503
97.632
10.761
40.59
44.83
73.3
--
--
--
--
--
--
--
--
aciremarP LFHD
62.836
33.144
70.013
80.391
09.011
38.45
88.01
--
--
--
--
--
--
--
--
--
--
--
oikoT ssiewledE
98.1352
85.8042
99.6402
84.7202
76.0381
63.2471
89.9761
59.8071
56.2461
82.2441
78.8511
02.707
83.524
68.833
15.88
61.12
91.4
--
efiL edixE
92.299
58.937
05.295
52.406
61.436
92.876
85.977
61.627
15.145
06.251
94.2
--
--
--
--
--
--
--
ilareneG erutuF
14.46532
94.54491
89.21361
09.92841
09.26021
86.22311
04.20201
71.4009
01.5007
96.4655
65.8584
78.5582
19.9651
36.686
67.792
38.841
64.33
200.0
dradnatS CFDH
77.86072
00.45322
93.46191
26.60351
56.82421
42.83531
85.12041
36.08871
57.82561
22.65351
60.16531
99.2197
50.1624
28.3632
82.989
26.714
83.611
79.5
laitnedurP ICICI
42.3871
91.5651
76.9321
26.9601
52.628
86.408
07.637
00.118
21.175
79.813
09.11
--
--
--
--
--
--
--
laredeF IBDI
10.9032
71.5622
04.7691
11.4302
63.3412
80.0961
39.7921
34.897
06.102
--
--
--
--
--
--
--
--
--
tsriFaidnI
76.8956
55.9315
86.1793
50.8303
97.0072
87.7772
34.7392
15.5792
50.8682
91.3432
41.1961
15.179
58.126
61.664
27.051
23.04
85.7
--
ardnihaM katoK
98.00521
04.08701
61.6129
26.1718
45.8727
07.8366
35.0936
36.2185
45.0684
62.7583
06.4172
82.0051
31.887
34.314
52.512
95.69
59.83
61.0
efiL xaM
15.3593
80.6323
38.7282
91.1642
95.0422
25.9242
05.7762
71.8052
10.6352
46.6991
45.9511
17.294
99.502
35.18
37.82
19.7
84.0
--
efilteM BNP
73.9604
28.6204
21.8934
80.1264
04.3824
93.5404
26.7945
51.1756
09.4066
45.2394
44.5223
66.4001
12.422
55.601
60.13
74.6
82.0
--
noppiN ecnaileR
30.211
49.351
50.751
68.661
36.402
83.502
59.522
14.342
95.052
74.602
94.341
00.15
66.72
47.1
--
--
--
--
arahaS
91.45352
31.51012
63.52851
11.76821
06.83701
30.05401
47.33131
92.54921
30.40101
01.2127
41.2265
94.8292
23.5701
81.106
76.522
93.27
96.41
--
efiL IBS
40.7941
49.7021
11.2201
66.437
42.495
70.816
61.446
25.128
72.116
71.634
50.853
61.481
33.01
--
--
--
--
--
efiL marirhS
10.3871
88.0151
74.7031
86.4311
57.849
08.8601
59.1721
13.339
73.035
91.05
--
--
--
--
--
--
--
--
ihci-iaD
noinU ratS
59.2614
80.1713
69.8742
66.2212
07.3232
34.0672
03.0363
22.5893
87.3943
05.7472
53.6402
81.7631
91.088
40.794
35.352
12.18
41.12
--
AIA ataT
32.685041
52.989711
30.994001
53.43488
63.95377
19.89387
38.28148
42.56188
49.96397
34.79446
24.16515
00.35282
45.38051
15.7277
33.0213
60.9111
55.272
54.6
latoT etavirP
)51.91(
)04.71(
)46.31(
23.41
)33.1-(
)78.6-(
)25.4-(
)80.11(
)60.32(
)90.52(
)05.28(
)13.78(
)91.59(
)56.741(
)38.871(
)95.013(
)13.4214(
12.322813
63.784003
12.444662
56.766932
03.249632
85.308802
82.988202
04.374302
13.770681
40.882751
99.987941
48.228721
22.29709
92.72157
34.33536
94.82645
19.12894
20.29843
CIL
)09.5(
)87.21(
)71.11(
)51.1(
)84.31(
)29.2(
)92.0-(
)53.9(
)03.81(
)10.5(
)91.71(
)97.04(
)58.02(
)52.81(
)03.61(
)56.9(
)97.24(
44.908854
16.674814
32.349663
10.201823
66.103413
94.202782
11.270782
46.836192
52.744562
74.587122
14.153102
48.570651
67.578501
08.45828
57.35666
55.74755
64.49005
74.89843
latoT yrtsudnI
)46.9(
)40.41(
)48.11(
)93.4(
)44.9(
)50.0(
)75.1-(
)78.9(
)96.91(
)51.01(
)10.92(
)14.74(
)87.72(
)13.42(
)65.91(
)82.11(
)45.34(
.tnecrep
ni
raey
suoiverp
eht
revo
htworg
eht
tneserper
stekcarb
eht
ni
serugiF
)1 :etoN
.detrats
ton
ssenisub
stneserper
--
)2ANNUAL REPORT 2017-18
163
A4
TNEMETATS
81-7102
ROF
SRERUSNI
EFIL
FO
MUIMERP
LATOT
ESIW-TNEMGES
)erorc
ni
`(
)PUORG
DNA
LAUDIVIDNI(
DEKNIL
HTOB
GNITAPICITRAP
GNITAPICITRAP-NON
EPYT
EGATNECREP
LATOT
DNARG
LATOT
LAWENER
ELGNIS
RAEY
TSRIF
LATOT
LAWENER
ELGNIS
RAEY
TSRIF
00.0
00.0
00.0
00.0
00.0
00.0
00.0
00.0
00.0
00.0
YTIUNNA
93.0
77.052
00.0
00.0
00.0
00.0
77.052
38.052
00.0
60.0-
HTLAEH
21.29
83.14795
37.1
37.1
00.0
00.0
56.93795
47.35253
52.5274
56.06791
EFIL
94.7
57.8584
51.0
51.0
00.0
00.0
06.8584
29.4023
30.443
66.9031
NOISNEP
00.0
00.0
00.0
00.0
00.0
00.0
00.0
00.0
00.0
00.0
ELBAIRAV
00.001
09.05846
88.1
88.1
00.0
00.0
20.94846
94.90783
82.9605
52.07012
LATOT
)PUORG
DNA
LAUDIVIDNI(
DEKNIL-NON
HTOB
GNITAPICITRAP
GNITAPICITRAP-NON
EPYT
EGATNECREP
LATOT
DNARG
LATOT
LAWENER
ELGNIS
RAEY
TSRIF
LATOT
LAWENER
ELGNIS
RAEY
TSRIF
81.7
70.29282
53.9105
55.5
08.3105
00.0
17.27232
73.5
43.76232
00.0
YTIUNNA
41.0
70.945
00.0
00.0
00.0
00.0
70.945
61.433
31.31
87.102
HTLAEH
97.77
94.454603
35.591242
37.369991
68.6398
39.49233
69.85246
84.48302
04.11853
80.3608
EFIL
65.31
71.81435
18.9951
19.4621
45.16
73.372
63.81815
12.3623
99.73464
51.7112
NOISNEP
33.1
57.4425
67.9931
51.635
22.615
93.743
99.4483
95.681
16.8923
87.953
ELBAIRAV
00.001
45.859393
54.412052
53.077102
24.82541
96.51933
90.447341
28.37142
84.828801
97.14701
LATOT
)PUORG
DNA
LAUDIVIDNI(
DEKNIL-NON
DNA
DEKNIL
HTOB
GNITAPICITRAP
GNITAPICITRAP-NON
EPYT
EGATNECREP
LATOT
DNARG
LATOT
LAWENER
ELGNIS
RAEY
TSRIF
LATOT
LAWENER
ELGNIS
RAEY
TSRIF
71.6
70.29282
53.9105
55.5
08.3105
00.0
17.27232
73.5
43.76232
00.0
YTIUNNA
71.0
38.997
00.0
00.0
00.0
00.0
38.997
89.485
31.31
27.102
HTLAEH
18.97
78.591663
62.791242
74.569991
68.6398
39.49233
16.899321
32.83655
56.63504
37.32872
EFIL
07.21
29.67285
69.9951
60.5621
45.16
73.372
69.67665
31.8646
20.28764
18.6243
NOISNEP
41.1
57.4425
67.9931
51.635
22.615
93.743
99.4483
95.681
16.8923
87.953
ELBAIRAV
00.001
44.908854
43.612052
32.277102
14.82541
96.51933
01.395802
45.97826
26.798311
20.21813
LATOTANNUAL REPORT 2017-18
164
A4
TNEMETATS
..dtnoC
71-6102
ROF
SRERUSNI
EFIL
FO
MUIMERP
LATOT
ESIW-TNEMGES
)erorc
ni
`(
)PUORG
DNA
LAUDIVIDNI(
DEKNIL
HTOB
GNITAPICITRAP
GNITAPICITRAP-NON
EPYT
EGATNECREP
LATOT
DNARG
LATOT
LAWENER
ELGNIS
RAEY
TSRIF
LATOT
LAWENER
ELGNIS
RAEY
TSRIF
00.0
00.0
00.0
00.0
00.0
00.0
00.0
00.0
00.0
00.0
YTIUNNA
35.0
26.282
00.0
00.0
00.0
00.0
26.282
17.282
00.0
90.0-
HTLAEH
33.19
52.56284
10.2
10.2
00.0
00.0
42.36284
64.57482
15.3733
82.41461
EFIL
31.8
83.7924
81.0
81.0
00.0
00.0
02.7924
53.0882
75.933
82.7701
NOISNEP
00.0
00.0
00.0
00.0
00.0
00.0
00.0
00.0
00.0
00.0
ELBAIRAV
00.001
52.54825
91.2
81.2
00.0
00.0
60.34825
25.83613
80.3173
64.19471
LATOT
)PUORG
DNA
LAUDIVIDNI(
DEKNIL-NON
HTOB
GNITAPICITRAP
GNITAPICITRAP-NON
EPYT
EGATNECREP
LATOT
DNARG
LATOT
LAWENER
ELGNIS
RAEY
TSRIF
LATOT
LAWENER
ELGNIS
RAEY
TSRIF
78.6
49.50152
30.8554
43.6
07.1554
00.0
19.74502
10.7
09.04502
00.0
YTIUNNA
21.0
25.844
00.0
00.0
00.0
00.0
25.844
98.072
00.1
26.671
HTLAEH
70.77
19.408182
40.998422
11.657781
22.2408
17.00192
78.50965
14.37281
83.00403
80.2328
EFIL
55.41
32.29135
81.7361
35.2711
59.032
07.332
50.55515
48.6243
37.59744
84.2333
NOISNEP
93.1
77.9705
86.3801
01.384
05.164
80.931
90.6993
00.732
47.4113
43.446
ELBAIRAV
00.001
53.136563
29.771232
80.814981
63.68231
84.37492
34.354331
51.51222
57.25889
35.58321
LATOT
)PUORG
DNA
LAUDIVIDNI(
DEKNIL-NON
DNA
DEKNIL
HTOB
GNITAPICITRAP
GNITAPICITRAP-NON
EPYT
EGATNECREP
LATOT
DNARG
LATOT
LAWENER
ELGNIS
RAEY
TSRIF
LATOT
LAWENER
ELGNIS
RAEY
TSRIF
00.6
49.50152
30.8554
43.6
07.1554
00.0
19.74502
10.7
09.04502
00.0
YTIUNNA
71.0
41.137
00.0
00.0
00.0
00.0
41.137
06.355
00.1
35.671
HTLAEH
78.87
61.070033
50.109422
21.857781
22.2408
17.00192
11.961501
78.84764
98.37733
63.64642
EFIL
47.31
06.98475
53.7361
07.2711
59.032
07.332
52.25855
81.7036
13.53154
67.9044
NOISNEP
12.1
77.9705
86.3801
01.384
05.164
80.931
90.6993
00.732
47.4113
43.446
ELBAIRAV
00.001
06.674814
11.081232
62.024981
73.68231
84.37492
94.692681
76.35835
38.565201
99.67892
LATOTANNUAL REPORT 2017-18
165
5
TNEMETATS
81-7102
ROF
SRERUSNI
EFIL
FO
MUIMERP
DEKNIL-NON
DNA
DEKNIL
)erorc
`(
muimerP
dekniL-noN
muimerP
dekniL
muimerP
latoT
rerusnI
latoT
laweneR
ssenisuB
weN
elgniS
raeY
tsriF
latoT
laweneR
ssenisuB
weN
elgniS
raeY
tsriF
latoT
laweneR
ssenisuB
weN
elgniS
raeY
tsriF
64.453
19.772
55.67
98.0
66.57
57.671
52.601
05.07
06.01
98.95
12.135
61.483
50.741
05.11
55.531
EFIL NOGEA
69.078
13.227
56.841
77.41
88.331
62.374
43.692
29.671
99.3
39.271
22.4431
56.8101
75.523
67.81
18.603
AVIVA
94.7264
11.7702
83.0552
84.1512
09.893
88.0592
21.0121
67.0471
72.347
94.799
73.8757
42.7823
41.1924
57.4982
93.6931
ZNAILLA JAJAB
61.3551
07.288
74.076
85.842
88.124
32.131
38.07
04.06
72.64
21.41
93.4861
35.359
68.037
68.492
10.634
AXA ITRAHB
45.9823
04.2971
41.7941
43.666
08.038
74.3162
08.7441
66.5611
72.937
93.624
00.3095
02.0423
08.2662
16.5041
91.7521
EFIL
NUS ALRIB AYTIDA
30.9811
39.773
11.118
51.293
69.814
20.2951
93.5711
46.614
78.31
77.204
60.1872
13.3551
47.7221
20.604
37.128
CBSH ARANAC
69.3571
16.663
53.7831
53.0901
00.792
05.09
71.22
33.86
26.34
17.42
64.4481
87.883
86.5541
79.3311
27.123
ACIREMARP LFHD
28.854
12.922
16.922
24.15
91.871
44.971
95.66
58.211
60.9
08.301
62.836
08.592
64.243
74.06
99.182
OIKOT SSIEWLEDE
56.5622
93.9361
62.626
88.32
83.206
42.662
06.231
56.331
32.8
24.521
98.1352
99.1771
09.957
11.23
97.727
EFIL EDIXE
52.288
03.153
59.035
85.85
73.274
40.011
56.85
93.15
61.6
32.54
92.299
49.904
53.285
57.46
06.715
ILARENEG ERUTUF
05.69231
46.0485
78.5547
82.7345
85.8102
19.76201
71.4736
47.3983
78.3711
78.9172
14.46532
08.41221
16.94311
51.1166
64.8374
DRADNATS CFDH
82.1866
48.2054
54.8712
84.9011
69.8601
94.78302
81.45331
03.3307
80.647
32.7826
77.86072
20.75871
57.1129
65.5581
91.6537
LAITNEDURP ICICI
45.3811
95.938
59.343
13.88
46.552
07.995
36.011
80.984
21.823
69.061
42.3871
12.059
30.338
34.614
06.614
LAREDEF IBDI
16.4651
67.353
58.0121
35.678
13.433
04.447
82.854
31.682
65.84
65.732
10.9032
40.218
79.6941
01.529
88.175
TSRIFAIDNI
14.9824
27.7832
96.1091
52.886
44.3121
72.9032
47.608
25.2051
82.104
42.1011
76.8956
64.4913
12.4043
35.9801
86.4132
ARDNIHAM KATOK
24.8398
41.1106
82.7292
66.8901
26.8281
84.2653
61.1412
13.1241
24.85
98.2631
98.00521
03.2518
95.8434
80.7511
15.1913
EFIL XAM
75.2313
40.5691
25.7611
60.721
74.0401
59.028
93.165
65.952
29.83
36.022
15.3593
34.6252
80.7241
89.561
01.1621
EFILTEM BNP
11.3223
68.0062
52.226
89.16
72.065
62.648
98.255
73.392
50.51
23.872
73.9604
57.3513
26.519
30.77
95.838
NOPPIN ECNAILER
01.801
80.401
20.4
77.1
52.2
29.3
77.3
51.0
41.0
20.0
30.211
68.701
71.4
09.1
72.2
ARAHAS
67.93211
77.5046
00.4384
67.9722
42.4552
34.41141
92.2897
41.2316
20.745
21.5855
91.45352
50.88341
41.66901
87.6282
63.9318
EFIL IBS
91.1341
13.076
78.067
92.782
85.374
58.56
93.61
64.94
24.14
40.8
40.7941
07.686
33.018
17.823
26.184
EFIL MARIRHS
98.1441
01.268
97.975
88.77
19.105
21.143
81.022
49.021
13.83
26.28
10.3871
82.2801
27.007
91.611
35.485
IHCI-IAD
NOINU RATS
04.9482
07.0691
07.888
42.0
64.888
55.3131
38.317
27.995
14.6
13.395
59.2614
35.4762
24.8841
56.6
77.1841
AIA ATAT
90.52667
04.12234
96.30433
39.23861
67.07561
51.16936
36.28873
25.87062
59.7605
75.01012
32.685041
30.40118
12.28495
88.00912
33.18573
LATOT ETAVIRP
64.333713
77.227281
96.016431
69.325601
27.68082
57.988
47.828
10.16
33.1
86.95
12.322813
6905.15538107.176431
92.525601
04.64182
CIL
45.859393
71.449522
83.410861
98.653321
84.75644
09.05846
73.11783
35.93162
82.9605
52.07012
44.908854
45.556462
09.351491
71.624821
37.72756
LATOT DNARGANNUAL REPORT 2017-18
166
6
TNEMETATS
81-7102
RAEY
EHT
ROF
SMIALC
HTAED
LAUDIVIDNI
)erorc`
ni
tnuoma
tifeneb(
gnidnep
smialc
fo
pu
kaerB
ta
gnidnep
smialC
demialcnU
/ detaiduper
smialC
diap
smialC
smialC
latoT
/
detamitni
smialC
ta
gnidnep
smialC
rerusnI
efiL
)seiciloP(
esiw
noitarud
--
doirep
eht
fo dne
ta
detcejer
dekoob
doirep
eht
fo trats
latoT
ry
1 >
21<
6
6
<
3
3
<
tifeneB
fo
.oN
tifeneB
fo
.oN
tifeneB
fo
.oN
tifeneB
fo
.oN
tifeneB
fo
.oN
tifeneB
fo
.oN
tifeneB
fo .oN
shtm
shtm
shtm
tnuomA
seiciloP
tnuomA
seiciloP
tnuomA
seiciloP
tnuomA
seiciloP
tnuomA
seiciloP
tnuomA
seiciloP
tnuomA
seiciloP
54
0
0
0
54
57.9
54
00.0
0
62.61
451
61.842
2925
71.472
1945
38.962
3445
33.4
84
efiL nuS
alriB
aytidA
%001
%00.001
%65.3
%28.0
-
-
%39.5
%08.2
%15.09
%83.69
%001
%001
0
0
0
0
0
00.0
0
00.0
0
38.2
42
71.94
035
00.25
455
00.25
455
00.0
0
efiL
nogeA
%0
%00.0
-
-
-
%44.5
%33.4
%65.49
%76.59
%001
%001
8
0
0
0
8
73.1
8
00.0
00.0
48.6
45
86.79
6501
98.501
8111
11.301
1111
87.2
7
efiL
avivA
%001
%00.001
%92.1
%27.0
-
-
%64.6
%38.4
%52.29
%54.49
%001
%001
052
0
2
07
871
64.13
052
29.0
06
52.72
928
95.113
67131
22.173
51341
96.563
25241
35.5
36
efiL
znaillA
jajaB
%001
%08.0
%00.82
%02.17
%74.8
%57.1
%52.0
%24.0
%43.7
%97.5
%49.38
%40.29
%001
%001
7
0
0
0
7
57.0
7
00.0
0
98.0
12
84.24
068
11.44
888
83.04
458
37.3
43
efiL
axA
itrahB
%001
%00.001
%96.1
%97.0
-
-
%20.2
%63.2
%92.69
%58.69
%001
%001
2
0
0
0
2
26.0
2
00.0
0
36.3
83
31.94
797
83.35
738
92.35
638
90.0
1
efiL CBO
CBSH
aranaC
%001
%00.001
%61.1
%42.0
-
-
%18.6
%45.4
%30.29
%22.59
%001
%001
7
0
0
0
7
17.1
7
00.0
0
92.1
31
15.32
275
15.62
295
18.52
685
07.0
6
efiL aciremarP
LFHD
%001
%00.001
%44.6
%81.1
-
-
%88.4
%02.2
%86.88
%26.69
%001
%001
0
0
0
0
0
00.0
0
00.0
0
62.0
9
13.11
081
75.11
981
75.11
981
00.0
0
efiL
oikoT
ssiewledE
%0
%30.0-
-
-
-
%52.2
%67.4
%87.79
%42.59
%001
%001
5
0
0
0
5
28.0
5
00.0
0
41.8
201
62.77
0523
12.68
7533
12.68
7533
00.0
0
efiL
edixE
%001
%00.001
%59.0
%51.0
-
-
%44.9
%40.3
%16.98
%18.69
%001
%001
91
0
0
0
91
89.1
91
20.0
1
41.4
96
81.43
2021
23.04
1921
43.93
4721
89.0
71
efiL ilareneG
erutuF
%001
%00.001
%29.4
%74.1
%40.0
%80.0
%82.01
%43.5
%67.48
%11.39
%001
%001
96
0
0
2
76
41.51
96
00.0
0
87.64
802
87.284
98221
07.445
66521
90.925
70521
16.51
95
efiL dradnatS
CFDH
%001
%09.2
%01.79
%87.2
%55.0
-
-
%95.8
%66.1
%36.88
%08.79
%001
%001
72
4
1
5
71
74.31
72
91.5
31
32.34
302
11.517
61211
00.777
95411
48.667
32411
61.01
63
efiL laitnedurP
ICICI
%001
%18.41
%07.3
%25.81
%69.26
%37.1
%42.0
%76.0
%11.0
%65.5
%77.1
%30.29
%88.79
%001
%001
6
0
0
0
6
22.0
6
00.0
0
41.5
78
51.54
8601
15.05
1611
40.05
4511
74.0
7
efiL
laredeF
IBDI
%001
%00.001
%44.0
%25.0
-
-
%71.01
%94.7
%93.98
%99.19
%001
%001
.smialc
latot
evitcepser
eht
fo
egatnecrep
swohs
wor
dnoces
saerehw
serugif
etulosba
eht
swohs
rerusni
hcae
ssorca
wor
tsriF
:etoNANNUAL REPORT 2017-18
167
6
TNEMETATS
..dtnoC
81-7102
RAEY
EHT
ROF
SMIALC
HTAED
LAUDIVIDNI
)erorc`
ni
tnuoma
tifeneb(
gnidnep
smialc
fo
pu
kaerB
ta
gnidnep
smialC
demialcnU
/ detaiduper
smialC
diap
smialC
smialC
latoT
/
detamitni
smialC
ta
gnidnep
smialC
rerusnI
efiL
)seiciloP(
esiw
noitarud
--
doirep
eht
fo dne
ta
detcejer
dekoob
doirep
eht
fo trats
latoT
ry
1 >
21<
6
6
<
3
3
<
tifeneB
fo
.oN
tifeneB
fo
.oN
tifeneB
fo
.oN
tifeneB
fo
.oN
tifeneB
fo
.oN
tifeneB
fo
.oN
tifeneB
fo .oN
shtm
shtm
shtm
tnuomA
seiciloP
tnuomA
seiciloP
tnuomA
seiciloP
tnuomA
seiciloP
tnuomA
seiciloP
tnuomA
seiciloP
tnuomA
seiciloP
3
0
0
2
1
95.3
3
00.0
0
60.8
181
79.54
6261
26.75
0181
25.55
1871
01.2
92
efiL
tsriF aidnI
%001
%76.66
%33.33
%32.6
%71.0
-
-
%99.31
%00.01
%87.97
%38.98
%001
%001
81
8
0
0
01
07.2
81
00.0
0
62.21
571
05.911
1882
54.431
4703
50.231
5503
04.2
91
efiL
ardnihaM
katoK
%001
%44.44
%65.55
%10.2
%95.0
-
-
%21.9
%96.5
%88.88
%27.39
%001
%001
2
0
0
0
2
20.1
2
00.0
0
85.61
871
93.353
25101
99.073
23301
58.073
92301
51.0
3
efiL xaM
%001
%00.001
%72.0
%20.0
-
-
%74.4
%27.1
%62.59
%62.89
%001
%001
8
0
0
4
4
11.4
8
32.1
62
20.33
923
06.971
6273
79.712
9804
45.102
1893
34.61
801
efiL
teM BNP
%001
%00.05
%00.05
%88.1
%02.0
%75.0
%46.0
%51.51
%50.8
%04.28
%21.19
%001
%001
4
0
0
1
3
01.1
4
07.0
72
23.22
304
45.941
3558
66.371
7898
19.861
2598
67.4
53
efiL
noppiN
ecnaileR
%001
%00.52
%00.57
%36.0
%40.0
%14.0
%03.0
%68.21
%84.4
%11.68
%71.59
%001
%001
95
0
1
11
74
84.0
95
00.0
0
37.0
75
14.5
655
26.6
276
42.6
646
83.0
62
efiL
arahaS
%001
%96.1
%46.81
%66.97
%32.7
%87.8
-
-
%01.11
%84.8
%76.18
%47.28
%001
%001
27
82
6
51
32
36.5
27
29.8
34
09.53
694
33.095
47281
87.046
58881
95.516
35781
91.52
231
efiL IBS
%001
%98.83
%33.8
%38.02
%49.13
%88.0
%83.0
%93.1
%32.0
%06.5
%36.2
%31.29
%67.69
%001
%001
26
6
31
9
43
60.5
26
00.0
0
98.62
065
08.96
4252
57.101
6413
74.78
3582
82.41
392
efiL
marirhS
%001
%86.9
%79.02
%25.41
%48.45
%79.4
%79.1
-
-
%34.62
%08.71
%06.86
%32.08
%001
%001
21
0
0
0
21
31.2
21
41.0
3
06.6
18
24.34
5411
92.25
1421
95.94
2221
07.2
91
efiL
ihci-iaD
noinU ratS
%001
%00.001
%70.4
%79.0
%62.0
%42.0
%36.21
%35.6
%30.38
%62.29
%001
%001
0
0
0
0
0
00.0
0
00.0
0
14.8
75
48.131
3972
52.041
0582
52.041
0582
00.0
0
efiL
AIA ataT
%0
%00.0
-
-
-
%99.5
%00.2
%00.49
%00.89
%001
%001
586
64
32
911
794
01.301
586
21.71
371
94.733
8234
92.6783
817301
99.3334
409801
42.1224
269701
57.211
249
latoT
etavirP
%001
%27.6
%63.3
%73.71
%55.27
%83.2
%36.0
%93.0
%61.0
%97.7
%79.3
%44.98
%42.59
%001
%001
965
83
02
452
752
92.09
965
68.643
9598
37.491
8594
35.74701
695427
04.97311
280937
43.48111
978537
60.591
3023
#
aidnI
fo CIL
%001
%86.6
%15.3
%46.44
%71.54
%97.0
%80.0
%50.3
%12.1
%17.1
%76.0
%54.49
%40.89
%001
%001
4521
48
34
373
457
83.391
4521
89.363
2319
12.235
6829
28.32641413828
93.31751689748
85.50451148348
18.703
5414
latoT
yrtsudnI
%001
%07.6
%34.3
%47.92
%31.06
%32.1
%51.0
%23.2
%80.1
%93.3
%01.1
%70.39
%86.79
%001
%001
.smialc
latot
evitcepser
eht
fo
egatnecrep
swohs
wor
dnoces
saerehw
serugif
etulosba
eht
swohs
rerusni
hcae
ssorca
wor
tsriF
:etoNANNUAL REPORT 2017-18
168
7
TNEMETATS
81-7102
RAEY
EHT
ROF
SMIALC
HTAED
PUORG
)erorc`
ni
tnuoma
tifeneb(
gnidnep
smialc
fo pu
kaerB
gnidnep
smialC
demialcnU
/detaiduper
smialC
diap
smialC
smialC
latoT
/ detamitni
smialC
ta
gnidnep
smialC
)seviL(
esiw
noitarud
--
doirep
eht
fo
dne
ta
detcejer
dekoob
doirep
eht
fo
trats
rerusnI
efiL
latoT
ry
1 >
21<
6
6 <
3
3
<
tifeneB
fo
.oN
tifeneB
fo
.oN
tifeneB
fo .oN
tifeneB
fo
.oN
tifeneB
fo
.oN
tifeneB
fo
.oN
tifeneB
fo
.oN
shtm
shtm
shtm
tnuomA
seiciloP
tnuomA
seiciloP
tnuomA
seiciloP
tnuomA
seiciloP
tnuomA
seiciloP
tnuomA
seiciloP
tnuomA
seiciloP
32
0
0
0
32
95.3
32
0.0
0
58.0
7
34.091
3954
68.491
3264
68.491
3264
00.0
0
efiL
nuS
alriB
aytidA
%001
%00.001
%48.1
%05.0
-
-
%34.0
%51.0
%27.79
%53.99
%001
%001
0
0
0
0
0
00.0
0
0.0
0
00.0
0
93.0
31
93.0
31
93.0
31
00.0
0
efiL
nogeA
%0
-
-
-
-
%00.001
%00.001
%001
%001
0
0
0
0
0
00.0
0
0.0
00.0
51.0
2
37.8
094
78.8
294
78.8
294
00.0
0
efiL
avivA
%0
%00.0
-
-
-
%76.1
%14.0
%33.89
%95.99
%001
%001
844
0
2
13
514
94.5
844
5.0
71
51.01
033
09.177
524791
20.887
022891
20.887
022891
00.0
0
efiL
znaillA
jajaB
%001
%54.0
%29.6
%36.29
%07.0
%32.0
%60.0
%10.0
%92.1
%71.0
%59.79
%06.99
%001
%001
6
0
0
0
6
63.3
6
0.0
0
34.0
4
55.92
192
43.33
103
85.13
892
67.1
3
efiL
axA
itrahB
%001
%00.001
%90.01
%99.1
-
-
%82.1
%33.1
%46.88
%86.69
%001
%001
0
0
0
0
0
00.0
0
0.0
0
52.1
01
17.22
829
69.32
839
26.32
739
53.0
1
efiL
CBO
CBSH
aranaC
%0
%00.0
-
-
-
%32.5
%70.1
%77.49
%39.89
%001
%001
92
0
0
1
82
74.3
92
0.0
0
14.5
622
72.681
63284
41.591
19484
38.191
76484
23.3
42
efiL
aciremarP
LFHD
%001
%54.3
%55.69
%87.1
%60.0
-
-
%77.2
%74.0
%54.59
%74.99
%001
%001
0
0
0
0
0
00.0
0
0.0
0
00.0
0
98.73
8602
98.73
8602
98.73
8602
00.0
0
efiL
oikoT
ssiewledE
%0
%10.0
-
-
-
%99.99
%00.001
%001
%001
0
0
0
0
0
00.0
0
0.0
0
00.0
0
58.98
5851
58.98
5851
58.98
5851
00.0
0
efiL
edixE
%0
-
-
-
-
%00.001
%00.001
%001
%001
44
7
3
11
32
24.7
44
0.0
0
89.2
84
17.55
767
11.66
958
40.75
487
70.9
57
efiL
ilareneG
erutuF
%001
%19.51%28.6
%00.52
%72.25
%32.11
%21.5
-
-
%15.4
%95.5
%72.48
%92.98
%001
%001
123
0
9
7
503
25.01
123
0.0
0
54.12
412
12.794
64927
91.925
18437
91.925
18437
00.0
0
efiL
dradnatS
CFDH
%001
%08.2
%81.2
%20.59
%99.1
%44.0
-
-
%50.4
%92.0
%69.39
%72.99
%001
%001
12
0
0
1
02
46.0
12
6.1
4
11.0
3
64.531
5662
77.731
3962
12.631
3862
65.1
01
efiL
laitnedurP
ICICI
%001
%67.4
%42.59
%74.0
%87.0
%31.1
%51.0
%80.0
%11.0
%23.89
%69.89
%001
%001
0
0
0
0
0
00.0
0
0.0
0
49.0
8
64.72
0921
04.82
8921
71.82
7921
32.0
1
efiL
laredeF
IBDI
%0
%00.0
-
-
-
%13.3
%26.0
%96.69
%83.99
%001
%001
.smialc
latot
evitcepser
eht
fo
egatnecrep
swohs
wor
dnoces
saerehw
serugif
etulosba
eht
swohs
rerusni
hcae
ssorca
wor
tsriF
:etoNANNUAL REPORT 2017-18
169
7
TNEMETATS
...dtnoC
81-7102
RAEY
EHT
ROF
SMIALC
HTAED
PUORG
)erorc`
ni
tnuoma
tifeneb(
gnidnep
smialc
fo pu
kaerB
gnidnep
smialC
demialcnU
/detaiduper
smialC
diap
smialC
smialC
latoT
/ detamitni
smialC
ta
gnidnep
smialC
)seviL(
esiw
noitarud
--
doirep
eht
fo
dne
ta
detcejer
dekoob
doirep
eht
fo
trats
rerusnI
efiL
latoT
ry
1 >
21<
6
6 <
3
3
<
tifeneB
fo
.oN
tifeneB
fo
.oN
tifeneB
fo .oN
tifeneB
fo
.oN
tifeneB
fo
.oN
tifeneB
fo
.oN
tifeneB
fo
.oN
shtm
shtm
shtm
tnuomA
seiciloP
tnuomA
seiciloP
tnuomA
seiciloP
tnuomA
seiciloP
tnuomA
seiciloP
tnuomA
seiciloP
tnuomA
seiciloP
3
3
0
0
0
80.0
3
0.0
0
96.71
017
86.781
9758
44.502
2929
92.502
6829
51.0
6
efiL tsriF
aidnI
%001
%00.001
%40.0
%30.0
-
-
%16.8
%46.7
%53.19
%33.29
%001
%001
6
0
0
1
5
58.2
6
0.0
0
25.9
141
55.514
27584
19.724
91784
14.624
00784
15.1
91
efiL
ardnihaM
katoK
%001
%76.61
%33.38
%76.0
%10.0
%00.0
-
%32.2
%92.0
%11.79
%07.99
%001
%001
0
0
0
0
0
00.0
0
0.0
0
24.9
97
66.801
2397
80.811
1108
80.811
1108
00.0
0
efiL
xaM
%0
%00.0
-
-
-
%89.7
%99.0
%20.29
%10.99
%001
%001
6
0
1
3
2
67.0
6
2.0
5
19.2
93
25.141
4621
83.541
4131
30.541
0131
53.0
4
efiL teM
BNP
%001
%76.61
%00.05
%33.33
%35.0
%64.0
%31.0
%83.0
%00.2
%79.2
%53.79
%91.69
%001
%001
36
0
22
14
0
17.0
36
0.0
0
44.0
6
43.73
2627
05.83
1337
84.83
0337
20.0
1
efiL
noppiN
ecnaileR
%001
%29.43
%80.56
%68.1
%68.0
-
-
%31.1
%80.0
%10.79
%60.99
%001
%001
1
0
1
0
0
00.0
1
0.0
0
00.0
0
20.0
7
20.0
8
20.0
8
00.0
0
efiL arahaS
%001
%00.001
%06.5
%05.21
-
-
%04.49
%05.78
%001
%001
82
11
3
3
11
31.1
82
2.0
21
73.51
771
77.177
51923
44.887
23133
63.787
78033
80.1
54
efiL
IBS
%001
%92.93%17.01
%17.01
%92.93
%41.0
%80.0
%20.0
%40.0
%59.1
%35.0
%88.79
%53.99
%001
%001
06
0
0
0
06
64.1
06
0.0
0
29.5
582
66.271
42423
40.081
96723
26.961
97713
14.01
099
efiL marirhS
%001
%00.001
%18.0
%81.0
-
-
%92.3
%78.0
%09.59
%59.89
%001
%001
3
0
0
0
3
60.0
3
0.2
101
40.1
853
85.99
8444
46.201
0194
26.201
8094
20.0
2
efiL
ihci-iaD
noinU
ratS
%001
%00.001
%60.0
%60.0
%19.1
%60.2
%10.1
%92.7
%20.79
%95.09
%001
%001
0
0
0
0
0
00.0
0
0.0
0
30.0
1
11.29
675
41.29
775
41.29
775
00.0
0
efiL AIA
ataT
%0
%00.0
-
-
-
%30.0
%71.0
%79.99
%38.99
%001
%001
2601
12
14
99
109
55.14
2601
4.4
931
50.601
8462
24.0804
672774
93.2324
521184
65.2024
449974
38.92
1811
latoT etavirP
%001
%89.1
%68.3
%23.9
%48.48
%89.0
%22.0
%01.0
%30.0
%15.2
%55.0
%14.69
%02.99
%001
%001
063
05
6
64
852
46.5
063
1.1
761
23.0
54
02.6353
301482
62.3453
576482
97.5353
969382
74.7
607
aidnI
fo CIL
%001
%98.31%76.1
%87.21
%76.17
%61.0
%31.0
%30.0
%60.0
%10.0
%20.0
%08.99
%08.99
%001
%001
2241
17
74
541
9511
91.74
2241
5.5
603
73.601
3962
26.6167
973167
56.5777
008567
53.8377
319367
03.73
7881
latoT
yrtsudnI
%001
%99.4
%13.3
%02.01
%05.18
%16.0
%91.0
%70.0
%40.0
%73.1
%53.0
%59.79
%24.99
%001
%001
.smialc
latot
evitcepser
eht
fo
egatnecrep
swohs
wor
dnoces
saerehw
serugif
etulosba
eht
swohs
rerusni
hcae
ssorca
wor
tsriF
:etoNANNUAL REPORT 2017-18
170
8
TNEMETATS
SRERUSNI
EFIL
FO
TNEMEGANAM
REDNU
STESSA
)erorc
`(
DNUF
EFIL
latoT
rehtO
devorppA
erutcurtsarfnI
&
gnisuoH
&
tnemnrevoG
etatS
tnemnrevoG
lartneC
RERUSNI
)dnuF
efiL(
stnemtsevnI
stnemtsevnI
stnemtsevnI
seitiruceS
devorppA
rehtO
seitiruceS
7102.30.13
8102.30.13
7102.30.13
8102.30.13
7102.30.13
8102.30.13
7102.30.13
8102.30.13
7102.30.13
8102.30.13
7102.30.13
8102.30.13
47.579
65.2421
23.1
16.1
57.231
33.802
93.582
91.323
40.85
94.28
42.894
49.626
NOGEA
83.7004
79.7154
10.0
80.1
06.242
15.104
88.299
41.578
05.191
43.301
93.0852
09.6313
AVIVA
80.63912
62.32342
40.302
00.843
28.9994
97.5715
70.0683
71.5074
90.2451
60.5222
60.13311
42.96811
ZNAILLA
JAJAB
26.6212
88.9992
91.08
12.27
80.475
50.429
18.083
56.764
81.483
63.015
63.707
16.5201
AXA
ITRAHB
82.7916
72.1208
66.632
15.502
42.1411
48.6261
27.3841
26.1881
75.242
04.293
90.3903
09.4193
EFIL
NUS ALRIB
AYTIDA
21.7712
02.4482
00.0
00.0
33.042
01.044
57.527
66.048
73.642
74.035
76.469
79.2301
CBO CBSH
ARANAC
83.8851
17.1412
04.3
30.71
51.432
67.223
99.934
66.455
97.33
54.85
50.778
18.8811
ACIREMARP
LFHD
96.0911
61.8291
94.26
97.031
01.575
52.356
83.161
76.264
00.0
57.01
27.193
07.076
OIKOT
SSIEWLEDE
22.5296
02.9048
41.05
07.59
17.6711
20.4241
99.3521
01.5931
02.461
61.181
81.0824
22.3135
EDIXE
26.4461
07.2002
76.41
31.11
41.053
50.804
47.603
29.063
98.411
11.801
81.858
94.4111
ILARENEG
ERUTUF
33.65262
68.65033
79.748
29.677
87.9426
89.4928
16.7044
73.5586
01.134
11.705
78.91341
84.22661
DRADNATS
CFDH
09.53182
33.45053
32.608
18.299
97.7906
87.8087
51.4815
45.4416
39.2152
18.3842
97.43531
93.42671
LAITNEDURP
ICICI
92.0763
33.5164
23.52
36.52
07.329
11.3031
08.447
33.397
72.795
54.069
12.9731
18.2351
LAREDEF
IBDI
94.2911
15.8381
12.11
00.71
82.133
27.855
28.212
31.713
44.731
02.283
47.994
64.365
TSRIF
AIDNI
78.8078
90.61611
95.455
49.797
51.8621
98.9471
21.5141
75.1571
22.921
22.911
97.1435
74.7917
ARDNIHAM
KATOK
00.90672
94.10833
00.87
45.19
00.8374
33.2886
00.8064
82.3945
00.3271
43.0731
00.26461
00.46991
XAM
81.5128
26.44701
00.0
45.18
45.9151
38.5622
29.7212
67.3852
42.383
45.335
84.4814
59.9725
EFILTEM
BNP
93.4839
49.90611
44.102
87.171
91.9551
21.7412
43.0502
15.0022
75.574
50.465
58.7905
84.6256
NOPPIN
ECNAILER
18.6401
87.1611
53.53
07.21
18.48
01.501
83.973
52.044
14.222
48.952
68.423
98.343
ARAHAS
57.07272
42.56433
03.349
69.5201
63.3495
88.7988
22.0235
38.8335
23.5021
69.1271
55.85831
16.08461
IBS
88.4881
81.5742
62.803
22.102
56.303
52.557
17.323
50.093
49.604
59.314
23.245
17.417
MARIRHS
38.7632
56.4403
80.71
46.92
76.655
11.175
71.544
80.135
83.25
32.49
35.6921
95.8181
IHCI-IAD
NOINU
RATS
89.47511
87.64531
17.83
37.54
20.9661
98.8132
46.7662
25.1152
87.617
95.344
48.2846
50.7228
AIA ATAT
38.680602
17.164452
73.9154
74.3515
68.11904
96.34255
06.77793
00.81274
32.17911
88.65041
77.609801
76.987231
LATOT
ETAVIRP
50.6681071
28.8103881
27.47126
99.51876
64.565463
32.118493
80.066061
51.901681
95.444034
88.164884
02.120486
75.028547
CIL
88.2597091
35.0847312
90.49666
64.96927
23.774504
29.450054
86.734002
51.723332
28.514244
67.815205
79.729297
42.016878
LATOT
YRTSUDNIANNUAL REPORT 2017-18
171
8
TNEMETATS
…dtnoC
SRERUSNI
EFIL
FO
TNEMEGANAM
REDNU
STESSA
)erorc
`(
DNUF
PUORG
&
YTIUNNA
LARENEG
&
NOISNEP
lareneG
&
noisneP(
latoT
devorppA
rehtO
&
tvoG
etatS
tvoG
lartneC
RERUSNI
)dnuF
puorG
&
ytiunnA
stnemtsevnI
seitiruceS
devorppA
seitiruceS
7102.30.13
8102.30.13
7102.30.13
8102.30.13
7102.30.13
8102.30.13
7102.30.13
8102.30.13
65.5
24.6
61.1
94.3
00.0
00.0
04.4
39.2
NOGEA
31.963
59.713
72.551
75.211
33.2
20.2
35.112
63.302
AVIVA
92.4055
76.9865
20.1992
49.0023
48.707
90.577
24.5081
46.3171
ZNAILLA
JAJAB
21.603
15.393
22.371
77.922
80.26
97.46
28.07
59.89
AXA
ITRAHB
78.2143
30.1304
12.7991
64.7922
52.132
72.662
14.4811
03.7641
EFIL
NUS
ALRIB
AYTIDA
95.0631
26.3851
54.447
96.598
89.051
48.181
51.564
90.605
CBO
CBSH
ARANAC
65.797
41.1711
55.604
51.885
75.43
33.901
44.653
66.374
ACIREMARP
LFHD
91.17
66.821
69.31
87.94
00.0
00.0
32.75
88.87
OIKOT
SSIEWLEDE
44.3861
86.4871
22.627
58.727
45.99
10.001
86.758
28.659
EDIXE
84.245
18.626
76.203
81.643
05.39
33.721
13.641
03.351
ILARENEG
ERUTUF
47.47211
77.33751
46.5416
68.6668
69.7901
05.0481
41.1304
14.6225
DRADNATS
CFDH
44.0253
67.2863
60.948
85.779
95.59
47.101
97.5752
44.3062
LAITNEDURP
ICICI
64.662
93.803
60.79
60.701
12.58
31.011
91.48
02.19
LAREDEF
IBDI
93.3595
67.7586
31.5343
39.0214
87.719
79.279
84.0061
68.3671
TSRIF
AIDNI
41.964
41.535
65.822
59.201
79.79
49.45
16.241
52.773
ARDNIHAM
KATOK
00.458
04.559
00.303
41.492
00.641
46.622
00.504
26.434
XAM
43.861
37.802
26.58
45.18
79.0
79.0
57.18
22.621
EFILTEM
BNP
44.632
92.732
43.94
79.15
00.001
64.19
01.78
68.39
NOPPIN
ECNAILER
58.2
73.2
82.0
02.0
00.0
00.0
75.2
71.2
ARAHAS
80.03052
44.07762
97.21611
95.55521
78.9743
07.9683
24.7399
51.54301
IBS
56.823
48.983
90.691
54.132
66.46
01.85
09.76
92.001
MARIRHS
73.869
87.8611
65.943
42.434
46.361
43.051
71.554
02.485
IHCI-IAD
NOINU
RATS
01.826
37.086
25.392
61.752
26.23
96.92
69.103
88.393
AIA ATAT
22.45736
98.46237
83.75113
55.33363
63.4667
68.3319
84.23942
84.79772
LATOT
ETAVIRP
69.446205
57.373006
96.149051
82.733651
68.943812
24.128082
14.353331
50.512361
CIL
81.993665
46.836376
70.990281
38.076291
22.410622
82.559982
98.582851
35.210191
LATOT
YRTSUDNIANNUAL REPORT 2017-18
172
8
TNEMETATS
...dtnoC
SRERUSNI
EFIL
FO
TNEMEGANAM
REDNU
STESSA
)erorc
`(
SDNUF
PILU
LATOT
latoT
rehtO
devorppA
RERUSNI
)SDNUF
LLA(
)sdnuF
PILU(
stnemtsevnI
stnemtsevnI
7102.30.13
8102.30.13
7102.30.13
8102.30.13
7102.30.13
8102.30.13
7102.30.13
8102.30.13
99.9391
93.5412
96.859
14.698
74.03
23.14
22.829
90.558
NOGEA
11.2609
86.9598
06.5864
67.3214
32.491
66.352
73.1944
01.0783
AVIVA
75.87284
75.09705
12.83802
46.77702
57.888
48.5021
64.94991
08.17591
ZNAILLA
JAJAB
32.6273
13.4944
94.3921
29.0011
01.65
29.79
93.7321
00.3001
AXA
ITRAHB
43.90743
54.62663
91.99052
51.47542
46.219
17.799
55.68142
44.67532
EFIL
NUS
ALRIB
AYTIDA
86.28211
90.68621
79.4477
72.8528
65.728
15.5001
14.7196
67.2527
CBO
CBSH
ARANAC
65.5362
60.1163
26.942
12.892
22.8
33.62
04.142
88.172
ACIREMARP
LFHD
02.6741
13.3442
23.412
94.683
75.51
84.73
57.891
10.943
OIKOT
SSIEWLEDE
09.24801
63.65221
42.4322
84.2602
55.66
27.89
96.7612
67.3691
EDIXE
49.9382
17.1423
48.256
02.216
38.12
11.92
10.136
90.385
ILARENEG
ERUTUF
65.13319
20.679501
94.00835
93.58175
07.1782
11.2343
97.82905
82.35735
DRADNATS
CFDH
86.435911
50.932631
53.87878
69.10579
91.6753
49.1944
61.20348
20.01039
LAITNEDURP
ICICI
49.2685
45.6727
91.6291
28.2532
06.16
76.24
95.4681
51.0132
LAREDEF
IBDI
63.00601
87.77321
84.4543
15.1863
97.99
64.243
96.4533
50.9333
TSRIF
AIDNI
02.05502
04.77642
91.27311
71.62521
44.738
85.968
57.43501
95.65611
ARDNIHAM
KATOK
00.45044
10.55815
00.19551
21.89071
00.586
03.196
00.60941
28.60461
XAM
62.65151
45.73271
47.2776
91.4826
91.152
44.173
55.1256
57.2195
EFILTEM
BNP
47.98071
92.21981
19.8647
60.5607
72.984
68.992
46.9796
02.5676
NOPPIN
ECNAILER
10.5911
93.1821
53.541
42.711
28.1
90.2
35.341
51.511
ARAHAS
78.37869
35.171511
40.37544
58.53945
72.7361
75.1372
77.53924
82.40225
IBS
64.0892
24.7943
39.667
04.236
69.04
85.52
79.527
28.606
MARIRHS
08.0026
03.2096
06.4682
78.8862
37.701
44.38
78.6572
34.5062
IHCI-IAD
NOINU
RATS
11.39602
59.77432
20.0948
44.0529
06.804
58.836
24.1808
95.1168
AIA ATAT
25.619875
51.731266
64.570903
55.014433
84.09041
94.61871
89.489492
60.495613
LATOT
ETAVIRP
95.6725722
60.3296252
85.56707
94.03534
38.4004
58.6153
57.06766
46.31004
CIL
11.3914582
12.0609813
40.148973
40.149773
13.59081
43.33312
37.547163
07.706653
LATOT
YRTSUDNIANNUAL REPORT 2017-18
STATEMENT 9
EQUITY SHARE CAPITAL OF LIFE INSURERS
(` crore)
Insurer As on Infusion As on Indian Foreign Foreign
31st March, During the 31st March, Promoter* Investor Investments
2017 year 2018
AEGON Life 1429.85 12.77 1442.62 735.74 706.88 49.00
AVIVA LIFE 2004.90 0.00 2004.90 1022.50 982.40 49.00
BAJAJ ALLIANZ LIFE 150.70 0.00 150.70 111.52 39.18 26.00
BHARTI AXA 2406.20 0.00 2406.20 1227.16 1179.04 49.00
BIRLA SUNLIFE 1901.21 0.00 1901.21 969.62 931.59 49.00
CANARA HSBC 950.00 0.00 950.00 703.00 247.00 26.00
DHFL PRAMERICA 374.06 0.00 374.06 190.77 183.29 49.00
EDELWEISS TOKIO 261.59 51.03 312.62 159.44 153.18 49.00
EXIDE LIFE 1750.00 0.00 1750.00 1750.00 0.00 0.00
FUTURE GENERALI 1507.45 230.37 1737.82 1294.66 443.16 25.50
HDFC STANDARD 1998.48 13.26 2011.74 1241.18 770.56 38.30
ICICI PRUDENTIAL 1435.35 0.00 1435.35 940.95 494.40 34.44
IDBI FEDERAL 800.00 0.00 800.00 592.00 208.00 26.00
INDIAFIRST 625.00 0.00 625.00 462.50 162.50 26.00
KOTAK MAHINDRA 510.29 0.00 510.29 510.29 0.00 0.00
MAX LIFE 1918.81 0.00 1918.81 1434.17 484.64 25.26
PNB METLIFE 2012.88 0.00 2012.88 1489.53 523.35 26.00
RELIANCE NIPPON 1196.32 0.00 1196.32 610.13 586.20 49.00
SAHARA 232.00 0.00 232.00 232.00 0.00 0.00
SBI LIFE 1000.00 0.00 1000.00 646.85 353.15 35.32
SHRIRAM LIFE 179.38 0.00 179.38 138.12 41.26 23.00
STAR UNION DAI-ICHI 258.96 0.00 258.96 140.00 118.96 45.94
TATA AIA 1953.50 0.00 1953.50 996.29 957.22 49.00
Total (Private Sector) 26856.94 307.43 27164.37 17598.42 9565.95 35.22
LIC 100.00 0.00 100.00 100.00 0.00 0.00
Total (Life) 26956.94 307.43 27264.37 17698.42 9565.95 35.09
Note: * Includes Indian investors holding
173ANNUAL REPORT 2017-18
STATEMENT 10
QUARTERLY SOLVENCY RATIO OF LIFE INSURERS IN INDIA
2017-18
S.No Name of the Life Insurer 30.06.2017 30.09.2017 31.12.2017 31.03.2018
1 Aditya Birla Sun Life Insurance Co. Ltd. 2.04 2.02 2.09 2.14
2 AEGON Life Insurance Co. Ltd 1.74 1.69 2.06 2.32
3 Aviva Life Insurance Co. Ltd. 3.36 3.09 3.03 2.94
4 Bajaj Allianz Life Insurance Co. Ltd. 5.99 6.07 6.01 5.92
5 Bharti AXA Life Insurance Co. Ltd. 1.63 2.03 1.95 1.79
6 Canara HSBC OBC Life Insurance Co. Ltd. 3.73 3.85 3.79 3.82
7 DHFL Pramerica Life Insurance Co. Ltd 7.13 6.76 6.11 5.52
8 Edelweiss Tokio Life Insurance Co. Ltd. 2.28 2.24 2.22 2.19
9 Exide Life Insurance Company Limited 2.27 2.11 2.01 2.07
10 Future Generali India Life Insurance Co. Ltd. 2.03 2.38 1.71 2.09
11 HDFC Standard Life Insurance Co. Ltd. 1.98 2.01 1.91 1.92
12 ICICI Prudential Life Insurance Co. Ltd. 2.89 2.76 2.52 2.52
13 IDBI Federal Life Insurance Co. Ltd. 3.55 3.69 3.78 3.71
14 IndiaFirst Life Insurance Co. Ltd. 1.83 1.73 1.68 2.07
15 Kotak Mahindra Old Mutual Life Insurance Co. Ltd. 3.04 3.08 3.08 3.05
16 Life Insurance Corporation of India 1.53 1.51 1.51 1.58
17 Max Life Insurance Co. Ltd. 2.95 2.95 2.80 2.75
18 PNB MetLife India Insurance Co. Ltd. 2.04 2.09 2.06 2.02
19 Reliance Life Insurance Co. Ltd. 2.72 2.76 2.75 2.66
20 Sahara India Life Insurance Co. Ltd. 7.80 7.95 8.35 9.02
21 SBI Life Insurance Co. Ltd. 2.11 2.09 2.06 2.06
22 Shriram Life Insurance Co. Ltd. 2.20 2.30 2.11 2.03
23 Star Union Dai-ichi Life Insurance Co. Ltd. 2.60 2.60 2.65 2.78
24 Tata AIA Life Insurance Co. Ltd. 3.05 2.98 2.95 2.93
174ANNUAL REPORT 2017-18
STATEMENT 11
GROSS DIRECT PREMIUM OF GENERAL AND HEALTH INSURERS
(WITHIN AND OUTSIDE INDIA) (` crore)
Insurer 2017-18 2016-17
Private Sector Insurers
Acko General Insurance Ltd. 0.92 NA
Bajaj Allianz General Insurance Co. Ltd. 9445.22 7633.28
Bharti AXA General Insurance Co. Ltd. 1753.58 1314.09
Cholamandalam MS General Insurance Co. Ltd. 4102.57 3133.28
DHFL General Insurance Limited 141.07 NA
Edelweiss General Insurance Company Limited 1.30 NA
Future Generali India Insurance Co. Ltd. 1906.37 1815.50
Go Digit General Insurance Limited 93.74 NA
HDFC ERGO General Insurance Co. Ltd.* NA 3964.45
HDFC ERGO General Insurance Co. Ltd.
(Earlier known as L&T General Ins. Co. Ltd.)** 7289.97 2224.17
ICICI Lombard General Insurance Co. Ltd. 12356.85 10725.20
IFFCO Tokio General Insurance Co. Ltd. 5631.89 5563.70
Kotak Mahindra General Insurance Co. Ltd. 185.39 82.05
Liberty General Insurance Co. Ltd.*** 816.53 584.59
Magma HDI General Insurance Co. Ltd. 526.69 419.49
Raheja QBE General Insurance Co. Ltd. 83.45 58.92
Reliance General Insurance Co. Ltd. 5069.08 3935.35
Royal Sundaram General Insurance Co. Ltd. 2623.44 2188.78
SBI General Insurance Co. Ltd. 3544.20 2604.49
Shriram General Insurance Co. Ltd. 2100.76 2102.42
Tata AIG General Insurance Co. Ltd. 5435.92 4167.97
Universal Sompo General Insurance Co. Ltd. 2310.86 1287.23
Private Sector Insurers Total 65419.82 53804.96
21.59% 35.55%
Public Sector Insurers
National Insurance Co. Ltd. 16243.68 14282.36
The New India Assurance Co. Ltd. 25159.31 21597.92
The Oriental Insurance Co. Ltd. 11736.84 11117.02
United India Insurance Co. Ltd. 17429.95 16062.81
Public Sector Insurers Total 70569.78 63060.11
11.91% 24.52%
Specialized Insurers
Agriculture Insurance Co of India Ltd 7893.39 6979.56
Export Credit Guarantee Corporation of India Ltd. 1240.42 1267.62
Specialized Insurers Total 9133.81 8247.18
10.75% 70.33%
Standalone Health Insurers
Aditya Birla Health insurance Co. Limited 243.17 54.04
Apollo Munich Health Insurance Co. Ltd. 1717.51 1301.93
CignaTTK Health Insurance Co. Ltd. 346.40 221.80
Max Bupa Health Insurance Co. Ltd. 754.47 593.93
Religare Health Insurance Co. Ltd. 1091.61 726.07
Star Health and Allied Insurance Co. Ltd. 4161.11 2960.05
Standalone Health Insurers Total 8314.28 5857.83
41.93% 41.06%
Grand Total 153437.68 130970.09
17.15% 31.85%
Note: Figure in percentage indicate growth in percent over previous year.
* Erstwhile HDFC Ergo General Insurance Co. Ltd. merged with L&T General Insurance Co. Ltd. w.e.f. 01.01.2017.
** L&T General Insurance co. Ltd. is renamed as HDFC Ergo General Insurance Co. Ltd.
*** Erstwhile Liberty Videocon General Insurance Co. Ltd.
NA indicates that insurer's business was not in operation during the corresponding financial year.
Note: Reclassification/Regrouping in the previous year's figures, if any, by the insurer has not been considered.
175ANNUAL REPORT 2017-18
176
21
TNEMETATS
)AIDNI
NIHTIW(SRERUSNI
HTLAEH
DNA
LARENEG
FO
EMOCNI
MUIMERP
TCERID
SSORG
ESIW
TNEMGES
)erorc
`(
LATOT
srehtO
htlaeH
rotoM
eniraM
eriF
rerusnI
71-6102
81-7102
71-6102
81-7102
71-6102
81-7102
71-6102
81-7102
71-6102
81-7102
71-6102
81-7102
rerusnI rotceS etavirP
AN
29.0
AN
-
AN
01.0
AN
28.0
AN
-
AN
-
.dtL ecnarusnI lareneG okcA
82.336,7
22.544,9
60.151,2
38.046,2
33.142,1
11.396,1
44.765,3
76.251,4
37.431
65.731
37.835
40.128
.dtL .oC ecnarusnI lareneG znaillA jajaB
90.413,1
85.357,1
33.45
16.834
48.08
66.841
07.401,1
78.370,1
24.42
93.13
08.94
50.16
.dtL .oC ecnarusnI lareneG AXA itrahB
82.331,3
75.201,4
74.633
71.595
14.823
80.074
84.561,2
37.046,2
73.86
71.17
55.432
14.523
.dtL .oC ecnarusnI lareneG SM maladnamalohC
AN
70.141
AN
-
AN
32.08
AN
-
AN
-
AN
58.06
detimiL ecnarusnI lareneG LFHD
AN
03.1
AN
21.0
AN
81.1
AN
-
AN
-
AN
-
detimiL ynapmoC ecnarusnI lareneG ssiewledE
05.518,1
73.609,1
29.104
91.132
77.462
76.733
00.309
43.730,1
95.65
13.85
22.981
88.142
.dtL .oC ecnarusnI aidnI ilareneG erutuF
AN
47.39
AN
36.0
AN
39.2
AN
17.47
AN
37.1
AN
57.31
.dtL ecnarusnI lareneG tigiD oG
54.469,3
AN
69.854,1
AN
35.129
AN
88.790,1
AN
71.29
AN
19.393
AN
*.dtL .oC ecnarusnI lareneG OGRE CFDH .dtL .oC ecnarusnI lareneG OGRE CFDH
61.422,2
79.982,7
78.329
60.336,2
22.573
96.585,1
22.527
06.603,2
07.93
95.441
51.061
30.026
**).dtL .oC .snI lareneG T&L sa nwonk reilraE(
02.527,01
58.653,21
92.270,3
28.225,3
04.520,2
78.103,2
18.145,4
74.942,5
50.143
91.663
46.447
05.619
.dtL .oC ecnarusnI lareneG drabmoL ICICI
07.365,5
98.136,5
19.416,1
85.854,1
29.965
90.057
13.379,2
83.200,3
28.821
25.541
57.672
33.572
.dtL .oC ecnarusnI lareneG oikoT OCFFI
50.28
93.581
10.0
84.5
91.21
83.23
39.86
73.931
-
-
39.0
61.8
.dtL .oC ecnarusnI lareneG ardnihaM katoK
95.485
35.618
02.73
90.26
97.59
31.631
80.904
87.355
79.21
92.02
55.92
52.44
***.dtL .oC ecnarusnI lareneG ytrebiL
94.914
96.625
83.03
77.03
19.2
29.91
13.043
24.314
32.51
11.91
66.03
74.34
.dtL .oC ecnarusnI lareneG IDH amgaM
29.85
54.38
67.72
26.82
83.0
22.0
29.82
38.15
30.0
50.0
28.1
37.2
.dtL .oC ecnarusnI lareneG EBQ ajehaR
53.539,3
80.960,5
09.242,1
01.243,1
98.083
20.118
56.269,1
94.484,2
99.94
03.76
19.892
81.463
.dtL .oC ecnarusnI lareneG ecnaileR
87.881,2
44.326,2
91.76
35.57
25.462
66.343
32.407,1
15.620,2
54.43
35.63
93.811
02.141
.dtL .oC ecnarusnI lareneG maradnuS layoR
94.406,2
02.445,3
38.393
97.818
25.297
95.939
97.086
71.879
03.81
02.71
50.917
54.097
.dtL .oC ecnarusnI lareneG IBS
24.201,2
67.001,2
84.322
74.6
88.01
14.61
65.538,1
95.040,2
26.1
80.2
98.03
22.53
.dtL .oC ecnarusnI lareneG marirhS
89.761,4
29.534,5
38.319
13.619
91.054
24.427
10.020,2
99.318,2
36.262
09.392
13.125
92.786
.dtL .oC ecnarusnI lareneG GIA ataT
32.782,1
68.013,2
89.926
40.043,1
45.111
45.951
46.293
92.746
78.12
49.12
02.131
50.241
.dtL .oC ecnarusnI lareneG opmoS lasrevinU
69.40835
28.91456
73.08531
12.74161
32.9297
88.45501
59.12562
30.88613
59.2031
88.4341
54.0744
28.4955
latoT rerusnI rotceS etavirP rerusnI rotceS cilbuP
35.732,41
55.391,61
50.417,1
55.314,2
29.350,5
33.646,5
76.123,6
20.420,7
36.532
58.702
62.219
97.109
.dtL .oC ecnarusnI lanoitaN
96.411,91
67.817,22
95.447,2
51.864,3
21.533,6
51.374,7
76.006,7
98.490,9
30.016
10.006
82.428,1
75.280,2
.dtL .oC ecnarussA aidnI weN ehT
43.308,01
79.154,11
39.578,1
89.837,1
63.648,3
28.831,4
46.347,3
84.753,4
50.173
47.392
63.669
59.229
.dtL .oC ecnarusnI latneirO ehT
08.260,61
59.924,71
06.337,2
04.858,2
41.405,5
01.358,5
06.260,6
96.180,7
18.793
91.853
56.463,1
75.872,1
.dtL .oC ecnarusnI aidnI detinU
63.81206
32.49776
71.8609
80.97401
45.93702
04.11132
85.82732
80.85572
25.4161
97.9541
55.7605
88.5815
latoT rerusnI rotceS cilbuP rerusnI dezilaicepS
65.979,6
93.398,7
65.979,6
93.398,7
AN
AN
AN
AN
AN
AN
AN
AN
dtL aidnI fo oC ecnarusnI erutlucirgA
26.762,1
24.042,1
26.762,1
24.042,1
AN
AN
AN
AN
AN
AN
AN
AN
.dtL aidnI fo noitaroproC eetnarauG tiderC tropxE
81.742,8
18.331,9
81.742,8
18.331,9
AN
AN
AN
AN
AN
AN
AN
AN
latoT rerusnI dezilaicepS rerusnI htlaeH enoladnatS
40.45
71.342
AN
AN
40.45
71.342
AN
AN
AN
AN
AN
AN
detimiL .oC ecnarusni htlaeH alriB aytidA
39.103,1
15.717,1
AN
AN
39.103,1
15.717,1
AN
AN
AN
AN
AN
AN
.dtL .oC ecnarusnI htlaeH hcinuM ollopA
08.122
04.643
AN
AN
08.122
04.643
AN
AN
AN
AN
AN
AN
.dtL .oC ecnarusnI htlaeH KTTangiC
39.395
74.457
AN
AN
39.395
74.457
AN
AN
AN
AN
AN
AN
.dtL .oC ecnarusnI htlaeH apuB xaM
70.627
16.190,1
AN
AN
70.627
16.190,1
AN
AN
AN
AN
AN
AN
.dtL .oC ecnarusnI htlaeH eragileR
50.069,2
11.161,4
AN
AN
50.069,2
11.161,4
AN
AN
AN
AN
AN
AN
.dtL .oC ecnarusnI deillA dna htlaeH ratS
38.758,5
82.413,8
AN
AN
38.758,5
82.413,8
AN
AN
AN
AN
AN
AN
latoT rerusnI htlaeH enoladnatS
43.821821
31.266051
27.59803
90.06753
16.62543
65.08914
35.05205
11.64295
74.7192
66.4982
10.8359
07.08701
latoT dnarG
7102.10.10
.f.e.w
.dtL
.oC
ecnarusnI
lareneG
T&L
htiw
degrem
.dtL
.oC
ecnarusnI
lareneG
ogrE
CFDH
*
.ecnarusnI
levarT
dna
tnediccA
lanosreP sedulcni htlaeH :etoN
.dtL
.oC
ecnarusnI
lareneG
ogrE
CFDH
sa
demaner
si
.dtL
.oc ecnarusnI lareneG T&L **
gnidnopserroc
eht
ni
ro
raey
laicnanif
gnidnopserroc
eht
gnirud
noitarepo
ni
ton
saw
ssenisub
s'rerusni
taht
setacidni
AN
.dtL
.oC
ecnarusnI
lareneG
nocoediV ytrebiL elihwtsrE***
.deredisnoc
neeb
ton
sah
rerusni
eht
yb
,yna
fi
,serugif
s'raey
suoiverp
eht
ni
gnipuorgeR/noitacifissalceR
:etoN .tnemgesANNUAL REPORT 2017-18
STATEMENT 13
HEALTH INSURANCE (EXCLUDING TRAVEL DOMESTIC/OVERSEAS
AND PERSONAL ACCIDENT)
(No. of Policies in Actuals) ( No. of Persons in '000) ( Gross premium in ` Lakh)
Insurers No. of No. of Persons Gross
policies Covered Direct Premium
Acko - - -
Bajaj Allianz 516178 11514.71 128085.30
Bharti AXA 20853 385.10 9465.91
Chola MS 91553 1854.88 26001.52
DHFL 48035 61.94 6737.44
Edelweiss 352 0.35 117.89
Future Generali 48113 6284.13 23256.59
GoDigit 0 0.00 0.00
HDFC ERGO 654375 2383.05 97420.80
ICICI Lombard 1014478 10585.16 193757.63
IFFCO Tokio 164998 20389.65 66736.97
Kotak Mahindra 27203 71.39 2527.89
Liberty General 24728 552.27 11908.83
Magma HDI 34672 51.75 1675.34
Raheja QBE 144 0.19 6.84
Reliance 82134 24516.43 72326.64
Royal Sundaram 152029 1081.25 28306.30
SBI General 417400 5188.25 47263.88
Shriram General 61 0.06 1.37
Tata AIG 210310 824.84 43276.65
Universal 214789 1015.34 10060.98
Private Total 3722405 86760.73 768934.77
National 1807861 142213.46 532891.00
New India 1747550 80112.21 699588.71
Oriental 1322480 16157.69 357870.27
United India 1230765 137824.00 560598.00
Public Total 6108656 376307.36 2150947.99
Aditya Birla 75614 738.94 23037.69
Apollo Munich 809364 3430.45 156617.83
Cigna TTK 176695 599.83 32654.27
Max Bupa 309909 2490.43 74326.54
Religare 437555 2617.87 93175.10
Star Health 3089558 9040.28 403169.58
Stand Alone Health Total 4898695 18917.80 782981.01
Grand Total 14729756 481985.88 3702863.76
177ANNUAL REPORT 2017-18
178
41
TNEMETATS
81-7102
SRERUSNI
LARENEG
ROTCES
CILBUP-OITAR
SMIALC
DERRUCNI
)%(
oitaR
smialC
derrucnI
)erorc
nI
`(
)teN(
derrucnI
smialC
)erorc
nI `(
muimerP
denraE
teN
RERUSNI
latoT
srehtO
htlaeH
rotoM
eniraM
eriF
latoT
srehtO
htlaeH
rotoM
eniraM
eriF
latoT
srehtO
htlaeH
rotoM
eniraM
eriF
SRERUSNI
CILBUP
42.411
81.48
55.511
76.121
93.84
20.821
86.07821
98.8511
88.6764
67.3906
31.77
10.468
55.66211
36.6731
14.7404
32.8005
93.951
88.476
LANOITAN
66.58
19.76
91.301
86.97
58.95
79.67
74.69861
05.3421
28.5866
85.0327
61.622
04.0151
06.42791
70.1381
60.9746
62.4709
78.773
43.2691
AIDNI
WEN
93.58
72.25
68.311
91.86
19.96
13.68
12.1228
73.255
35.0724
58.7272
19.061
75.905
10.8269
96.6501
25.0573
62.0004
51.032
83.095
LATNEIRO
83.49
73.05
59.011
27.19
48.57
76.89
18.73121
55.796
81.6415
11.2725
05.671
84.548
89.06821
29.4831
31.8364
23.8475
37.232
88.658
DETINU
37.39
56.46
68.901
84.98
60.46
13.19
71.62105
03.2563
14.97702
03.42312
07.046
64.9273
41.08435
03.9465
31.51981
80.13832
51.0001
84.4804
LATOT
DESILAICEPS
SRERUSNI
32.201
32.201
AN
AN
AN
AN
32.9181
32.9181
AN
AN
AN
AN
25.9771
25.9771
AN
AN
AN
AN
CIA
76.531
76.531
AN
AN
AN
AN
95.8311
95.8311
AN
AN
AN
AN
42.938
42.938
AN
AN
AN
AN
CGCE
59.211
59.211
AN
AN
AN
AN
28.7592
28.7592
AN
AN
AN
AN
67.8162
67.8162
AN
AN
AN
AN
LATOT
36.49
59.97
68.901
84.98
60.46
13.19
99.38035
21.0166
14.97702
03.42312
07.046
64.9273
09.89065
60.8628
31.51981
80.13832
51.0001
84.4804
LATOT
DNARG
71-6102
SRERUSNI
LARENEG
ROTCES
CILBUP-OITAR
SMIALC
DERRUCNI
)%(
oitaR
smialC
derrucnI
)erorc
nI
`(
)teN(
derrucnI
smialC
)erorc
nI `(
muimerP
denraE
teN
RERUSNI
latoT
srehtO
htlaeH
rotoM
eniraM
eriF
latoT
srehtO
htlaeH
rotoM
eniraM
eriF
latoT
srehtO
htlaeH
rotoM
eniraM
eriF
SRERUSNI
CILBUP
52.79
79.97
89.621
61.48
67.76
29.15
86.60501
12.326
28.5015
10.4624
90.711
55.693
26.30801
62.977
40.1204
57.6605
18.271
67.367
LANOITAN
62.19
63.36
49.201
59.68
16.57
21.201
29.65261
98.2121
86.9036
46.5246
43.943
73.9591
97.41871
14.4191
95.9216
70.0937
30.264
96.8191
AIDNI
WEN
11.211
76.06
32.811
66.621
99.48
00.19
90.8939
79.585
04.6763
33.0734
69.902
34.555
62.3838
38.569
36.9013
83.0543
30.742
93.016
LATNEIRO
60.701
49.27
15.831
77.98
32.96
69.201
05.18821
40.898
42.8336
74.4854
00.681
57.478
13.23021
82.1321
39.5754
08.6015
76.862
36.948
DETINU
20.001
98.76
51.021
84.39
69.47
04.19
91.3409411.0233
41.0341254.4469193.268
01.6873
89.3309487.0984
91.6387100.4101245.0511
74.2414
LATOT
DESILAICEPS
SRERUSNI
87.911
87.911
AN
AN
AN
AN
22.9932
22.9932
AN
AN
AN
AN
89.2002
89.2002
AN
AN
AN
AN
CIA
42.121
42.121
AN
AN
AN
AN
56.6501
56.6501
AN
AN
AN
AN
75.178
75.178
AN
AN
AN
AN
CGCE
22.021
22.021
AN
AN
AN
AN
78.5543
78.5543
AN
AN
AN
AN
55.4782
55.4782
AN
AN
AN
AN
LATOT
41.101
62.78
51.021
84.39
69.47
04.19
60.9942589.5776
41.0341254.4469193.268
01.6873
35.8091533.5677
91.6387100.4101245.0511
74.2414
LATOT
DNARG
.tnemges
ralucitrap
eht
ni
ro
raey
gnidnopserroc
eht
gnirud
noitarepo
ni ton
saw
ssenisub
srerusni
taht
setacidni
AN
:etoN
.ecnarusni
levart
dna
tnedicca
lanosrep
sedulcni
htlaeH
*.deredisnoc
neeb
ton
sah
rerusni
eht
yb
,yna
fi
serugif
sraey
suoiverp
eht
ni
gnipuorger/noitacifissalceRANNUAL REPORT 2017-18
179
51
TNEMETATS
81-7102
SRERUSNI
HTLAEH
DNA
LARENEG
ROTCES
ETAVIRP
-
OITAR
SMIALC
DERRUCNI
%
oitaR
smialC
derrucnI
)erorc
nI
`(
)teN(
derrucnI
smialC
)erorc
nI `(
muimerP
denraE
teN
latoT
srehtO
htlaeH
rotoM
eniraM
eriF
latoT
srehtO
htlaeH
rotoM
eniraM
eriF
latoT
srehtO
htlaeH
rotoM
eniraM
eriF
RERUSNI
SRERUSNI
ETAVIRP
96.82-
-
20.56
02.11-
-
-
01.0
-
50.0
50.0
-
-
)53.0(
-
80.0
)44.0(
-
-
OKCA
27.66
47.37
16.77
02.26
05.26
53.94
75.2404
81.785
74.3301
60.8722
32.55
46.88
75.8506
13.697
06.1331
76.2663
63.88
36.971
ZNAILLA JAJAB
79.28
70.97
05.89
47.18
62.69
78.36
37.6001
33.36
92.89
06.528
64.31
60.6
34.3121
90.08
97.99
70.0101
99.31
84.9
AXA ITRAHB
45.27
99.07
69.93
56.97
44.65
15.51
63.8402
60.68
35.531
32.5081
49.8
95.21
48.3282
42.121
61.933
14.6622
58.51
91.18
SM
MALADNAMALOHC
90.4
-
98.7
-
-
87.1
28.1
-
33.1
00.0
-
94.0
85.44
-
78.61
-
-
17.72
LFHD
90.07
19.97
10.07
-
-
-
00.0
00.0
00.0
00.0
-
-
00.0
00.0
00.0
-
-
-
SSIEWLEDE
27.57
62.95
24.78
05.67
67.55
41.75
53.969
47.36
30.422
05.626
84.42
16.03
81.0821
55.701
62.652
29.818
98.34
65.35
ILARENEG
ERUTUF
63.47
96.97
85.25
73.48
79.18
88.56
86.6222
85.914
03.324
18.9721
58.93
51.46
05.4992
55.625
11.508
78.6151
16.84
63.79
*OGRE CFDH
59.39
71.06
00.06
00.001
-
73.481-
10.7
60.0
50.1
07.5
00.0
91.0
74.7
11.0
67.1
07.5
-
)01.0(
TIGID OG
98.67
02.49
62.86
44.77
91.45
80.34
27.4135
86.7101
00.129
98.7023
80.601
80.26
37.1196
83.0801
23.9431
91.2414
67.591
90.441
DRABMOL ICICI
98.28
82.101
96.09
91.97
36.45
15.99
17.2862
97.603
26.254
29.3481
74.13
19.74
13.6323
39.203
80.994
65.8232
16.75
41.84
OIKOT OCFFI
66.17
41.301
12.84
99.57
-
51.93
30.38
51.0
82.7
86.47
-
29.0
78.511
51.0
01.51
72.89
-
63.2
ARDNIHAM
KATOK
06.96
37.04
85.47
26.96
33.58
00.26
90.304
22.9
15.57
16.703
98.8
58.1
31.975
46.22
52.101
48.144
24.01
99.2
**LARENEG
YTREBIL
29.28
43.841
39.43
17.18
93.85
25.531
24.772
89.6
81.1
68.162
65.0
48.6
85.433
17.4
83.3
94.023
69.0
40.5
IDH AMGAM
64.67
02.23
91.81
35.411
06.52
24.37-
20.64
84.8
20.0
49.73
10.0
)24.0(
91.06
33.62
31.0
21.33
30.0
85.0
EBQ AJEHAR
17.48
65.46
45.601
74.18
69.511
73.16
41.9142
57.632
80.517
78.3141
82.6
51.74
66.5582
37.663
61.176
25.5371
14.5
48.67
ECNAILER
14.08
54.63
14.16
99.48
93.64
57.44
73.0651
53.8
06.451
85.6731
54.7
93.31
44.0491
19.22
67.152
87.9161
70.61
29.92
MARADNUS
LAYOR
74.17
48.79
39.25
57.19
33.28
91.24
54.6131
42.541
67.624
12.776
88.8
73.85
78.1481
44.841
12.608
90.837
97.01
43.831
LARENEG IBS
57.39
86.36
38.05
65.49
76.48
24.84
00.9371
35.11
51.1
65.6171
70.1
86.8
98.4581
11.81
72.2
23.5181
62.1
39.71
MARIRHS
21.17
72.901
86.06
26.86
34.77
06.63
70.6632
58.013
28.352
34.5851
08.191
81.42
79.6233
74.482
82.814
44.0132
17.742
70.66
GIA ATAT
03.65
37.62
71.401
66.08
81.301
10.92
30.476
46.541
06.831
18.663
78.5
01.71
92.7911
48.445
60.331
57.454
96.5
59.85
OPMOS
LASREVINU
64.57
59.67
23.17
77.77
39.66
91.74
07.4819236.7243
76.4605
13.1969123.015
77.094
51.7768364.4544
26.1017
75.8135224.267
80.0401
LATOT ENOLADNATS
SRERUSNI
HTLAEH
50.98
AN
50.98
AN
AN
AN
53.531
AN
53.531
AN
AN
AN
89.151
AN
89.151
AN
AN
AN
ALRIB AYTIDA
74.26
AN
74.26
AN
AN
AN
88.987
AN
88.987
AN
AN
AN
43.4621
AN
43.4621
AN
AN
AN
HCINUM OLLOPA
92.64
AN
92.64
AN
AN
AN
02.321
AN
02.321
AN
AN
AN
41.662
AN
41.662
AN
AN
AN
KTTANGIC
91.05
AN
91.05
AN
AN
AN
20.982
AN
20.982
AN
AN
AN
58.575
AN
58.575
AN
AN
AN
APUB XAM
79.15
AN
79.15
AN
AN
AN
12.353
AN
12.353
AN
AN
AN
76.976
AN
76.976
AN
AN
AN
ERAGILER
67.16
AN
67.16
AN
AN
AN
20.2961
AN
20.2961
AN
AN
AN
06.9372
AN
06.9372
AN
AN
AN
HTLAEH RATS
85.95
AN
85.95
AN
AN
AN
76.2833
AN
76.2833
AN
AN
AN
95.7765
AN
95.7765
AN
AN
AN
LATOT
24.37
59.67
01.66
77.77
39.66
91.74
73.76523
36.7243
53.7448
13.19691
23.015
77.094
47.45344
64.4544
12.97721
75.81352
24.267
80.0401
LATOT DNARG
.tnemges
ralucitrap
eht
ni
ro
raey
gnidnopserroc
eht
gnirud
noitarepo
ni ton
saw
ssenisub
srerusni
taht
setacidni
AN :etoN
ecnarusni
levart
dna
tnedicca
lanosrep
sedulcni
htlaeH
(cid:129)
.deredisnoc
neeb
ton
sah
rerusni
eht
yb
,yna
fi
serugif
sraey
suoiverp
eht
ni
gnipuorger/noitacifissalceR
7102.10.10
few
,.dtL
.oC
ecnarusnI
lareneG
T&L
htiw
degrem
,.dtL
.oC
ecnarusnI
lareneG
ogrE
CFDH*
,.dtL
.oC
ecnarusnI
lareneG
nocoediV
ytrebiL
elihwtsrE **ANNUAL REPORT 2017-18
180
51
TNEMETATS
...dtnoC
71-6102
SRERUSNI
HTLAEH
DNA
LARENEG
ROTCES
ETAVIRP
-
OITAR
SMIALC
DERRUCNI
%
oitaR
smialC
derrucnI
)erorc
nI
`(
)teN(
derrucnI
smialC
)erorc
nI
`(
muimerP
denraE
teN
RERUSNI
latoT
srehtO
htlaeH
rotoM
eniraM
eriF
latoT
srehtO
htlaeH
rotoM
eniraM
eriF
latoT
srehtO
htlaeH
rotoM
eniraM
eriF
SRERUSNI ETAVIRP
14.07
13.67
05.87
91.96
94.76
02.13
92.6743
80.863
67.697
57.9912
76.65
30.55
50.7394
53.284
30.5101
13.9713
79.38
93.671
ZNAILLA JAJAB
48.68
77.14
88.67
90.98
90.07
44.68
29.889
15.01
57.26
93.498
89.21
92.8
97.8311
61.52
26.18
09.3001
25.81
95.9
AXA ITRAHB
19.27
97.35
70.04
28.97
18.25
21.13
69.8361
21.24
79.801
36.6641
39.5
23.51
70.8422
03.87
59.172
73.7381
22.11
32.94
SM MALADNAMALOHC
13.77
74.55
39.87
77.18
11.56
50.27
90.148
20.66
95.731
39.375
06.03
49.23
09.7801
20.911
13.471
58.107
00.74
27.54
ILARENEG ERUTUF
09.67
00.09
67.05
34.98
96.611
98.55
70.0721
46.572
16.262
98.546
64.15
74.43
85.1561
62.603
63.715
91.227
01.44
76.16
*OGRE CFDH reilrae( OGRE CFDH
38.77
53.88
74.14
78.09
43.37
84.74
08.967
99.361
92.29
70.784
74.41
89.11
01.989
16.581
35.222
00.635
37.91
32.52
**) lareneG T&L sa nwonk
83.08
30.37
22.09
19.87
49.38
34.86
33.4594
13.017
07.4021
34.3972
42.161
56.48
06.3616
86.279
43.5331
08.9353
80.291
17.321
DRABMOL ICICI
69.18
46.65
03.401
73.48
98.17
34.25
27.7782
97.143
43.535
30.1491
14.83
51.12
00.1153
24.306
62.315
65.0032
34.35
33.04
OIKOT OCFFI
90.37
87.9
55.15
92.08
AN
66.2-
10.42
20.0
18.1
22.22
-
)40.0(
68.23
52.0
25.3
76.72
-
34.1
ARDNIHAM KATOK
41.97
98.67
73.47
92.77
30.49
55.133
99.923
47.11
85.45
02.642
39.5
55.11
79.614
62.51
04.37
25.813
03.6
84.3
***LARENEG YTREBIL
01.97
38.611
02.181
94.87
19.931
31.33
47.852
59.7
59.2
04.342
90.2
43.2
90.723
18.6
36.1
11.013
05.1
50.7
IDH AMGAM
79.86
80.73
07.621
34.121
39.96-
18.023
48.52
29.8
11.0
77.51
)00.0(
40.1
64.73
60.42
90.0
89.21
10.0
33.0
EBQ AJEHAR
32.29
72.38
94.89
93.19
68.301
10.701
27.6291
86.681
92.823
46.5231
04.81
07.76
59.8802
71.422
13.333
84.0541
27.71
72.36
LARENEG ECNAILER
31.87
79.62
90.26
51.28
64.05
01.84
76.4431
72.5
64.041
18.9711
54.7
86.11
99.0271
45.91
22.622
81.6341
67.41
92.42
MARADNUS LAYOR
10.57
60.36
34.35
70.201
69.79
92.04
25.7011
40.24
00.392
34.986
97.31
72.96
24.6741
66.66
43.845
24.576
80.41
29.171
LARENEG
IBS
75.201
85.39
75.83
81.301
12.951
95.74
94.5271
28.52
68.0
88.1961
12.1
27.5
33.2861
95.72
32.2
37.9361
67.0
20.21
LARENEG MARIRHS
23.27
86.75
02.75
13.97
04.46
05.08
21.1471
77.451
47.691
90.3121
63.941
61.72
54.7042
43.862
49.343
05.9251
39.132
47.33
GIA ATAT
19.07
00.06
41.68
98.87
68.34
10.62
57.964
08.48
74.48
43.282
09.2
32.51
54.266
33.141
70.89
88.753
26.6
55.85
OPMOS LASREVINU
01.97
72.07
07.47
00.38
10.57
73.25
40.1775264.6052
03.4034
19.1197188.275
84.574
60.0852318.6653
41.2675
44.9751237.367
59.709
LATOT ENOLADNATS SRERUSNI HTLAEH
86.011
AN
86.011
AN
AN
AN
29.41
AN
29.41
AN
AN
AN
84.31
AN
84.31
AN
AN
AN
ALRIB AYTIDA
99.45
AN
99.45
AN
AN
AN
95.506
AN
95.506
AN
AN
AN
13.1011
AN
13.1011
AN
AN
AN
HCINUM OLLOPA
41.84
AN
41.84
AN
AN
AN
05.78
AN
05.78
AN
AN
AN
77.181
AN
77.181
AN
AN
AN
KTTANGIC
69.15
AN
69.15
AN
AN
AN
18.282
AN
18.282
AN
AN
AN
82.445
AN
82.445
AN
AN
AN
APUB XAM
25.05
AN
25.05
AN
AN
AN
05.442
AN
05.442
AN
AN
AN
00.484
AN
00.484
AN
AN
AN
HTLAEH ERAGILER
15.06
AN
15.06
AN
AN
AN
17.6511
AN
17.6511
AN
AN
AN
54.1191
AN
54.1191
AN
AN
AN
HTLAEH RATS
74.65
AN
74.65
AN
AN
AN
40.2932
AN
40.2932
AN
AN
AN
03.6324
AN
03.6324
AN
AN
AN
LATOT
05.67
72.07
79.66
00.38
10.57
73.25
80.36182
64.6052
43.6966
19.11971
88.275
84.574
63.61863
18.6653
34.8999
44.97512
37.367
59.709
LATOT DNARG
6102.21.13
otpu
nekat
neeb
evah
smialc
dna
smuimerp
eroferehT
,7102.10.10
f.e.w
,.dtL
.oC
ecnarusnI
lareneG
,T&L
htiw
degrem
,.dtL
.oC
ecnarusnI
lareneG
ogrE
CFDH* :etoN
elbacilppa
toN
:A/N
,.dtL
.oC
ecnarusnI
lareneG
orgE
CFDH
sa
demaner
si
,.dtL
.oC
ecnarusnI
lareneG T&L**
tnemges
ralucitrap
eht
ni
ro
raey
laicnanif
gnidnopserroc
eht
gnirud
noitarepo
ni
ton
saw
ssenisub
s’rerusnI
taht setacidni :AN
.dtL
.oC
ecnarusnI
lareneG
nocoediV
ytrebiL
elihwtsrE ***ANNUAL REPORT 2017-18
181
61
TNEMETATS
81-7102
SRERUSNI
LARENEG
-
SMIALC
FO
SISYLANA
)rebmuN(
diaP
smialC
fo
sisylanA
esiw-egA
smialC
fo
rebmuN
rerusnI
5=>
ot
3=>
ot
ry
1=>
6=>
ot
3=>
shtnoM
3
<
S/O
smialC
smialC
smialC
diaP
smialC
smialC
S/O
smialC
sraeY
sraeY
5<
sraeY
3
<
21<
ot
shtnoM
6<
dnE
eht
ta
desolC
detaidupeR
gnirud
/detamitnI
fo
tratS
ta
shtnoM
eht
fo
gnirud
gnirud
doireP
eht
gnirud
dekooB
doireP
eht
doireP
doireP
eht
doireP
eht
doireP
eht
M
L
K
J
I
H
G
F
E
D
C
B
A
-
1
-
-
1
-
okcA
%2.0
%2.0
%5.0
%9.0
%3.3
%9.49
59679
67808
09863
1883801
1245021
22939
znaillA jajaB
%3.0
%7.0
%9.0
%6.1
%4.5
%1.19
39982
30141
5304
169902
662422
52823
axA itrahB
%3.0
%8.0
%7.2
%1.3
%0.6
%1.78
68705
89111
60751
866271
090991
86215
SM
maladnamalohC
%0.0
%0.0
%0.0
%0.0
%0.0
%0.001
8
0
0
8
61
0
LFHD
0
0
0
0
0
0
ssiewledE
%1.0
%1.0
%4.0
%9.0
%2.4
%2.49
38205
7879
1568
684691
343442
48322
aidnI
ilareneG
erutuF
%0.0
%0.0
%0.0
%0.0
%0.0
%0.001
79
21
0
1421
0531
0
tigiD
oG
%1.0
%2.0
%7.0
%0.1
%5.2
%6.59
68125
74645
19711
879184
046945
26905
OGRE CFDH
%2.0
%2.0
%5.0
%5.0
%9.1
%8.69
920861
89078
90689
1006731
2137151
524212
drabmoL
ICICI
%5.0
%7.0
%2.6
%9.4
%1.01
%6.77
59319
04914
71415
153138
905967
781741
oykoT OCFFI
%0.0
%0.0
%0.0
%4.0
%4.2
%1.79
409
9061
3721
94021
60451
924
ardnihaM
katoK
%0.0
%0.0
%4.0
%9.0
%5.2
%2.69
0577
0855
3717
50509
485401
4246
ytrebiL
%0.0
%5.0
%2.4
%4.3
%0.5
%8.68
2816
3693
7901
32612
37072
4975
IDH amgaM
%4.0
%3.0
%6.0
%5.0
%9.0
%2.79
705262
87244
96206
8176021
0608341
217531
ecnaileR
%4.0
%4.0
%1.1
%2.1
%0.2
%0.59
76692
91841
7047
698043
833753
76833
maradnuS
layoR
%0.0
%0.0
%8.55
%7.43
%4.7
%1.2
543
0
0
59
283
891
EBQ ajehaR
%0.0
%0.0
%3.0
%4.0
%2.1
%0.89
79412
50752
0525
073727
773957
54402
lareneG
IBS
%4.2
%6.3
%6.6
%4.6
%7.7
%3.37
723812
49941
5828
358311
648792
31675
lareneG
marirhS
%0.0
%1.0
%6.0
%3.1
%2.5
%8.29
74093
42166
13821
272546
061827
41153
GIA ataT
%1.0
%4.0
%7.0
%7.0
%9.2
%3.59
4869
29121
1174
286301
108021
8649
opmoS
lasrevinU
%3.0
%3.0
%3.1
%4.1
%4.3
%3.39
2835311
629884
593533
8365167
5799558
730619
latoT-buS
rotceS
etavirP
%4.0
%3.0
%5.1
%0.5
%2.21
%6.08
099294
45853
661251
5371992
5614523
085814
ecnarusnI
lanoitaN
%7.0
%3.0
%3.1
%5.2
%4.6
%8.88
500482
0
806032
5903984
7472784
163403
aidnI weN
%7.0
%5.0
%7.2
%5.6
%4.9
%1.08
532242
708461
1253
7986061
3854841
727272
.snI latneirO
%4.0
%1.0
%7.0
%4.01
%7.72
%8.06
0815861
751721
011793
7159786
6186566
8412342
aidnI detinU
%5.0
%2.0
%2.1
%7.6
%7.61
%7.47
0144072
818723
504387
44217361
11386261
6187243
latot-bus
sUSP
%4.0
%2.0
%2.1
%0.5
%5.21
%6.08
2979383
447618
0088111
28868932
68282842
3583434
latoT dnarG
.cte
smialc
nahprO/stnemyap
elpitluM
/stnemyap
laitraP
eht
fo
esuaceb
F-E-D-C+B=G
e.i
alumrof
eht
htiw
tnetsisnoc
eb
ton
yam
raey
eht
fo
dne
eht
ta
s/O
smialC :etoNANNUAL REPORT 2017-18
182
71
TNEMETATS
81-7102
SRERUSNI
LARENEG
-
ESIW-NOITARUD
&
TNEMGES
-
DIAP
SMIALC
FO
SISYLANA
egatnecreP
ni
tnemyaP
esiW-noitaruD
shkaL
`
ni
tnuomA
5=>
ot
3=>
ot
ry
1=>
6=>
ot
3=>
shtnoM
3
<
S/O
smialC
smialC
smialC
diaP
smialC
smialC
S/O
smialC
sraeY
sraeY
5<
sraeY
3
<
21<
ot
shtnoM
6<
dnE
eht
ta
desolC
detaidupeR
gnirud
/detamitnI
fo
tratS
ta
tnemgeS
shtnoM
eht
fo
gnirud
gnirud
doireP
eht
gnirud
dekooB
doireP
eht
doireP
doireP
eht
doireP
eht
doireP
eht
M
L
K
J
I
H
G
F
E
D
C
B
A
%7.1
%0.4
%2.73
%7.42
%8.11
%6.02
7010641
396931
55673
759555
8643501
1088831
eriF
%0.1
%7.3
%5.21
%5.61
%8.61
%5.94
823341
07043
1516
350451
275422
335561
)ograC(
eniraM
%9.4
%1.5
%0.93
%3.12
%3.8
%5.12
677371
0425
99821
09604
99335
982781
)lluH(
eniraM
%9.2
%7.1
%5.51
%1.02
%4.91
%4.04
59066
9861
7081
37024
64994
78636
noitaivA
%7.2
%3.11
%9.72
%1.91
%8.01
%1.82
651292
42663
0756
197511
864961
483443
gnireenignE
%1.0
%2.0
%7.2
%4.8
%4.71
%1.17
093393
24636
69744
7146951
5923991
227053
DO rotoM
%6.51
%0.51
%8.53
%0.31
%6.6
%1.41
1468964
975601
43534
5715641
5604591
2649493
PT rotoM
%6.1
%5.01
%8.42
%8.43
%4.8
%0.02
84849
3496
7373
62514
07886
12528
ecnarusni
ytilibaiL
%0.0
%0.0
%8.3
%4.21
%9.21
%9.07
1077911
614001
273
0083911
4136861
701996
ecnarusnI
porC
%0.0
%1.0
%8.02
%9.63
%5.32
%8.81
776493
311
637117
777631
978347
035205
ecnarusnI
tiderC
%5.11
%4.1
%7.9
%6.21
%3.91
%5.54
455233
18262
25906
017952
149525
204281
*.csiM
rehtO
llA
.cte
smialc
nahprO/stnemyap
elpitluM
/stnemyap
laitraP
eht
fo
esuaceb
F-E-D-C+B=G
e.i
alumrof
eht
htiw
tnetsisnoc
eb
ton
yam
raey
eht
fo
dne
eht
ta
s/O
smialC
:etoN
.stnemges
ecnarusni
lacidem
saesrevo
dna
tnediccA
lanosreP
,htlaeH
fo
tcepser
ni
atad
edulcni
ton
seod
serugif
ehT*ANNUAL REPORT 2017-18
183
81
TNEMETATS
SRERUSNI
LARENEG
FO
TNEMEGANAM
REDNU
STESSA
)erorc
`(
latoT
rehtO
devorppA
erutcurtsarfnI
ot
snaoL
&
gnisuoH
&
tnemnrevoG
etatS
tnemnrevoG
lartneC
RERUSNI
stnemtsevnI
stnemtsevnI
stnemtsevnI
stnemtsevnI
rof
tnemnrevoG
etatS
seitiruceS
devorppA
rehtO
seitiruceS
EFF
dna
gnisuoH
7102.30.13
8102.30.13
7102.30.13
8102.30.13
7102.30.13
8102.30.13
7102.30.13
8102.30.13
7102.30.13
8102.30.13
7102.30.13
8102.30.13
7102.30.13
8102.30.13
ROTCES
ETAVIRP
AN
01.811
AN
00.0
AN
23.33
AN
12.53
AN
51.5
AN
80.5
AN
43.93
LARENEG
OKCA
97.55201
21.36931
35.164
26.161
44.2851
40.1533
76.5572
56.1392
84.2901
48.6761
16.045
11.1341
60.3283
68.0144
ZNAILLA
JAJAB
66.1782
76.5023
89.91
22.51
43.989
17.369
51.075
55.787
93.683
32.524
56.142
07.023
51.466
62.396
AXA ITRAHB
25.1784
55.0536
39.33
33.03
93.6551
25.4491
33.408
82.8221
75.187
85.9301
21.436
81.508
81.1601
66.2031
SM
MALADNAMALOHC
AN
60.522
AN
00.0
AN
60.08
AN
04.44
AN
30.52
AN
99.91
AN
85.55
LARENEG
LFHD
AN
58.631
AN
61.4
AN
38.71
AN
32.62
AN
27.33
AN
26.0
AN
92.45
LARENEG
SSIEWLEDE
66.8742
11.4003
19.0
17.9
05.857
61.309
86.205
14.465
91.692
79.023
72.743
14.754
11.375
54.847
ILARENEG
ERUTUF
03.0326
AN
00.381
AN
03.2241
AN
09.0941
AN
03.375
AN
00.556
AN
08.5091
AN
$ OGRE CFDH OGRE CFDH
00.256
04.9318
08.11
02.47
03.711
03.3271
01.071
05.0002
08.09
00.658
05.36
05.959
05.891
09.5252
#)LARENEG
T&L
YLREMROF(
05.50441
67.07471
19.2701
83.397
15.1964
67.9226
22.4832
33.9652
05.2771
99.1342
68.299
53.2601
05.1943
59.3834
DRABMOL
ICICI
96.9066
84.8417
00.0
65.11
14.916
74.577
74.8303
41.5313
37.698
99.229
49.936
36.297
41.5141
96.0151
OIKOT OCFFI
81.741
78.842
00.0
00.0
20.83
78.25
23.72
94.35
14.02
22.94
13.52
60.63
21.63
32.75
ARDNIHAM
KATOK
73.028
11.0411
00.0
00.0
79.712
48.593
74.812
97.452
17.59
81.131
00.0
58.76
22.882
54.092
YTREBIL
83.009
69.6311
72.55
00.0
73.032
19.014
94.491
33.302
95.67
95.811
03.76
60.76
63.672
70.733
IDH AMGAM
56.292
52.643
00.0
00.0
17.301
28.19
98.05
66.101
95.04
05.54
00.0
00.0
64.79
72.701
EBQ AJEHAR
40.5176
96.6008
32.281
33.922
01.1622
24.6642
74.977
39.417
51.729
60.8101
04.478
30.408
96.0961
29.3772
ECNAILER
36.4533
64.3924
79.38
78.301
84.409
58.5821
55.208
54.918
36.514
20.917
39.37
02.922
70.4701
70.6311
MARADNUS
LAYOR
18.6634
49.2035
63.92
21.63
46.9411
37.3341
72.418
33.298
21.984
09.556
60.606
79.396
63.8721
98.0951
LARENEG
IBS
88.5176
00.8097
92.211
94.33
51.009
53.0711
34.9612
78.7042
35.1441
79.8481
77.465
76.772
17.7251
56.9612
LARENEG
MARIRHS
00.3974
13.1756
00.21
43.35
00.0051
50.4322
00.5901
26.0701
00.046
99.506
00.525
07.895
00.1201
16.8002
GIA ATAT
32.6261
71.2512
00.0
20.11
70.914
07.455
73.124
55.035
36.602
70.192
39.54
26.481
32.335
12.085
OPMOS
LASREVINU
AN
14.333
AN
00.0
AN
95.86
AN
96.27
AN
87.53
AN
48.23
AN
15.321
TIGID
OG
92.70187
72.20279
81.9522
53.7651
07.16491
03.78162
87.98281
14.44402
23.34201
87.65231
56.7986
75.6488
66.55902
68.99862
LATOT
ROTCES
CILBUP
20.79291
37.98512
85.9031
02.6001
18.4796
63.4009
20.5512
48.0052
38.189
96.429
48.0153
80.4253
49.4634
65.9264
LANOITAN
77.22392
06.17943
13.4611
18.8921
83.0429
52.52011
87.5663
08.0763
42.5152
68.1742
30.3255
89.3687
30.4127
09.0468
AIDNI WEN
86.85631
46.86151
47.995
07.547
55.1274
36.4574
51.6781
62.0581
64.0931
19.9331
04.3302
11.0323
83.7303
30.8423
LATNEIRO
99.55022
13.08862
49.3181
58.2751
17.1366
41.9009
07.1393
89.8883
89.1322
87.7042
00.7662
35.1024
66.9774
30.0085
AIDNI DETINU
64.43348
82.01689
75.7884
65.3264
54.86572
83.39733
56.82611
88.01911
15.9117
42.4417
72.43731
07.91881
10.69391
25.81322
LATOT
OGRE/CFDH
sa
demaner
lareneG
T&L
ylremroF
:#
lareneG
T&L
htiw
degreM
CFDH
:$
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A/N :etoNANNUAL REPORT 2017-18
184
81
TNEMETATS
..dtnoC
SRERUSNI
LARENEG
FO
TNEMEGANAM
REDNU
STESSA
)erorc
`(
latoT
rehtO
devorppA
erutcurtsarfnI
ot
snaoL
&
gnisuoH
&
tnemnrevoG
etatS
tnemnrevoG
lartneC
RERUSNI
stnemtsevnI
stnemtsevnI
stnemtsevnI
stnemtsevnI
rof
tnemnrevoG
etatS
seitiruceS
devorppA
rehtO
seitiruceS
EFF
dna
gnisuoH
7102.30.13
8102.30.13
7102.30.13
8102.30.13
7102.30.13
8102.30.13
7102.30.13
8102.30.13
7102.30.13
8102.30.13
7102.30.13
8102.30.13
7102.30.13
8102.30.13
HTLAEH
ENOLADNATS
78.822
70.012
00.0
00.0
53.77
59.24
59.53
46.65
78.03
83.52
26.02
82.51
80.46
28.96
HTLAEH
ALRIB
AYTIDA
76.3401
89.2231
24.9
01.02
41.993
68.694
86.081
42.052
34.631
11.661
97.301
02.421
12.412
74.562
HCINUM
OLLOPA
92.482
82.553
00.0
00.0
55.78
24.011
92.57
74.09
39.92
92.04
66.02
26.63
68.07
84.77
KTT
ANGIC
73.726
96.566
07.04
00.0
76.602
99.851
03.051
04.812
47.53
25.57
54.15
55.65
15.241
32.651
APUB
XAM
08.606
75.829
00.5
00.5
06.252
52.892
00.17
75.112
06.28
91.911
07.46
23.09
09.031
42.402
HTLAEH
ERAGILER
79.0351
70.5922
00.0
00.0
90.061
60.302
98.074
10.648
90.981
33.291
00.0
00.0
09.017
76.3501
HTLAEH
RATS
79.1234
66.7775
21.55
01.52
04.3811
35.0131
11.489
33.3761
66.405
28.816
22.162
79.223
64.3331
19.6281
LATOT
SRERUSNIER
72.62193
25.61874
66.1141
28.3431
95.26651
61.37091
67.9464
62.5025
80.9883
58.3144
32.9615
83.3716
59.3438
50.70611
AIDNI
FO CIG
81.003
28.41
00.0
58.7
05.2
79.6
09.43
00.0
00.04
00.0
00.0
00.0
87.222
00.0
DTL
ECNARUSNIER
ITI
54.62493
43.13874
66.1141
76.1531
90.56651
31.08091
66.4864
62.5025
80.9293
58.3144
32.9615
83.3716
37.6658
50.70611
LATOT
SRERUSNI
DESILAICEPS
88.7747
07.9857
59.3001
00.02
02.3152
17.1423
84.857
43.348
40.593
10.235
59.577
82.129
62.1302
63.1302
CIA
17.5208
33.6848
97.871
26.012
12.9051
02.4371
80.7571
33.5991
21.6421
99.7511
33.0041
45.9541
81.4391
56.8291
CGCE
95.30551
30.67061
47.2811
26.032
14.2204
19.5794
65.5152
76.8382
61.1461
00.0961
82.6712
28.0832
44.5693
10.0693
LATOT
FO SEHCNARB
SRERUSNIER
NGIEROF
ECNARUSNIER
LARENEG
AN
23.651
AN
3
AN
0
AN
92.52
AN
0
AN
0
AN
30.821
HCNARB
AIDNI GA
AN
22.153
AN
0
AN
83.04
AN
52.55
AN
63.02
AN
3.5
AN
39.922
HCNARB
AIDNI
ER REVONNAH
72.642
02.518
00.0
0
92.2
0
07.91
81.98
81.02
54.04
00.0
00.0
01.402
75.586
HCNARB
AIDNI ER
HCINUM
98.662
71.339
00.0
0
00.0
0
20.64
00.0
00.0
30.571
00.0
0
78.022
41.857
HCNARB
AIDNI
ES ROCS
37.631
15.189
00.0
0
00.0
0
70.3
95.24
91.22
66.491
00.0
0
74.111
62.447
HCNARB
AIDNI
ER SSIWS
.OC ECNARUSNI
LX
AN
97.391
AN
0
AN
0
AN
31.73
AN
0
AN
0
AN
66.651
HCNARB
AIDNI ES
98.946
12.1343
00.0
00.3
92.2
83.04
97.86
44.942
73.24
05.034
00.0
03.5
44.635
95.2072
LATOT
56.343222
97.829862
72.6979
03.1087
43.30976
36.78358
55.17183
99.12324
01.08432
91.45572
56.83282
47.84563
47.35745
49.41396
LATOT
DNARG
- YRTSUDNI
raey
laicnanif
gnidnopserroc
eht
gnirud
noitarepo
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ton
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s’rerusni
taht
setacidni
: ANANNUAL REPORT 2017-18
STATEMENT 19
EQUITY SHARE CAPITAL OF GENERAL, HEALTH AND RE-INSURERS
(` crore)
Insurers As on Infusion As on Indian Foreign Foreign
31st March, During 31st March Promoter* Investor Investment %
2017 the Year 2018
PRIVATE SECTOR INSURERS
Acko General Insurance Ltd. - 136.00 136.00 136.00 - 0.00
Bajaj Allianz General Insurance Co. Ltd. 110.23 (0.00) 110.23 81.57 28.66 26.00
Bharti AXA General Insurance Co. Ltd. 1,621.45 (0.00) 1,621.45 826.94 794.51 49.00
Cholamandalam MS General Insurance Co. Ltd. 298.81 (0.00) 298.81 179.28 119.52 40.00
DHFL General Insurance Limited - 190.05 190.05 190.05 - 0.00
Edelweiss General Insurance Company Limited - 170.00 170.00 170.00 - 0.00
Future Generali India Insurance Co. Ltd. 809.80 0.00 809.80 603.25 206.55 25.51
HDFC ERGO General Insurance Co. Ltd.
(Earlier known as L&T General Ins. Co. Ltd.)** 600.47 4.60 605.07 312.87 292.20 48.29
Go Digit General Insurance Ltd. - 350.00 350.00 350.00 - 0.00
ICICI Lombard General Insurance Co. Ltd. 451.15 2.80 453.95 330.56 123.38 27.18
IFFCO Tokio General Insurance Co. Ltd. 269.32 0.00 269.32 137.35 131.97 49.00
Kotak Mahindra General Insurance Co. Ltd. 135.00 40.00 175.00 175.00 - 0.00
Liberty General Insurance Co. Ltd.*** 984.35 100.25 1,084.60 556.58 528.02 48.68
Magma HDI General Insurance Co. Ltd. 112.50 - 112.50 83.75 28.75 25.56
Raheja QBE General Insurance Co. Ltd. 207.00 - 207.00 105.57 101.43 49.00
Reliance General Insurance Co. Ltd. 125.77 125.78 251.55 251.55 - 0.00
Royal Sundaram General Insurance Co. Ltd. 331.00 118.00 449.00 449.00 - 0.00
SBI General Insurance Co. Ltd. 215.50 - 215.50 159.47 56.03 26.00
Shriram General Insurance Co. Ltd. 258.63 0.11 258.74 199.33 59.40 22.96
Tata AIG General Insurance Co. Ltd. 632.50 100.00 732.50 542.05 190.45 26.00
Universal Sompo General Insurance Co. Ltd. 350.00 18.18 368.18 263.55 104.64 28.42
PRIVATE SECTOR TOTAL (A) 7,513.48 1,355.76 8,869.24 6,103.73 2,765.51 31.18
PUBLIC SECTOR INSURERS
National Insurance Co. Ltd. 100.00 - 100.00 100.00 - 0.00
The New India Assurance Co. Ltd. 200.00 212.00 412.00 411.30 0.70 0.17
The Oriental Insurance Co. Ltd. 200.00 - 200.00 200.00 - 0.00
United India Insurance Co. Ltd. 150.00 - 150.00 150.00 - 0.00
PUBLIC SECTOR TOTAL (B) 650.00 212.00 862.00 861.30 0.70 0.08
TOTAL (PRIVATE + PUBLIC) (A+B) 8,163.48 1,567.76 9,731.24 6,965.03 2,766.21 28.43
SPECIALISED INSURERS
Agriculture Insurance Co of India Ltd 200.00 - 200.00 200.00 - 0.00
Export Credit Guarantee Corporation of India Ltd. 1,450.00 50.00 1,500.00 1,500.00 - 0.00
SPECIALISED INSURERS TOTAL (C) 1,650.00 50.00 1,700.00 1,700.00 - 0.00
STANDALONE HEALTH INSURERS
Aditya Birla Health insurance Co. Limited 100.44 32.44 132.88 67.77 65.11 49.00
Apollo Munich Health Insurance Co. Ltd. 357.27 0.62 357.89 183.94 173.95 48.61
CignaTTK Health Insurance Co. Ltd. 251.37 113.36 364.73 186.01 178.72 49.00
Max Bupa Health Insurance Co. Ltd. 926.00 - 926.00 472.26 453.74 49.00
Religare Health Insurance Co. Ltd. 524.75 70.08 594.83 594.83 - 0.00
Star Health and Allied Insurance Co. Ltd. 455.58 0.00 455.58 289.50 166.07 36.45
STANDALONE HEALTH INSURERS TOTAL (D) 2,615.41 216.50 2,831.90 1,794.31 1,037.60 36.64
REINSURERS
Public Sector Reinsurer - GIC 430.00 8.60 438.60 437.11 1.49 0.34
Private Sector Reinsurer- ITI 268.94 - 268.94 268.94 - 0.00
REINSURERS TOTAL (E) 698.94 8.60 707.54 706.05 1.49 0.21
GRAND TOTAL (F) = (A+B+C+D+E) 13,127.83 1,842.86 14,970.69 11,165.38 3,805.30 25.42
Note - *includes Indian investors holding
**Erstwhile HDFC Ergo General Insurance Co. Ltd. merged with L&T General Insurance Co. Ltd. w.e.f. 01.01.2017. L&T General Insurance co. Ltd.
is renamed as HDFC Ergo General Insurance Co. Ltd. and infusion during the year includes cancellation, reduction and fresh issue of shares
** *Erstwhile Liberty Videocon General Insurance Co. Ltd.
Note: Reclassification/Regrouping in the previous year's figures, if any, by the insurer has not been considered.
185ANNUAL REPORT 2017-18
STATEMENT 20
ASSIGNED CAPITAL OF BRANCHES OF FOREIGN RE-INSURERS
(`crore)
BRANCHES OF FOREIGN As on 31st Infusion During As on 31st
RE-INSURERS March, 2017 the Year March, 2018
Hannover Re 135.51 109.36 244.87
Lloyd's 100.00 0.00 100.00
Amlin Syndicate* - 5.00 5.00
Munich Re 280.90 348.60 629.50
RGA 100.00 0.00 100.00
SCOR SE 293.80 376.50 670.30
Swiss Re 100.00 0.00 100.00
XL SE 107.60 28.81 136.41
AXA France Vie - 246.94 246.94
Gen Re - 337.32 337.32
TOTAL 1117.81 1452.54 2570.35
* maintained in the books of LLoyds
186ANNUAL REPORT 2017-18
STATEMENT 21
SOLVENCY RATIO OF GENERAL, HEALTH AND RE-INSURERS - 2017-18
Sl. Insurer June September December March
No. 2017 2017 2017 2018
PRIVATE INSURERS
1 Acko General Insurance Ltd. NA NA 2.50 2.48
2 Bajaj Allianz General Insurance Co. Ltd. 2.77 2.88 3.13 2.76
3 Bharti AXA General Insurance Co. Ltd. 1.68 1.98 1.95 1.86
4 Cholamandalam MS General Insurance Co. Ltd. 1.68 1.55 1.57 1.61
5 DHFL General Insurance Limited NA NA 3.40 3.34
6 Edelweiss General Insurance Company Limited NA NA NA 2.81
7 Future Generali India Insurance Co. Ltd. 1.85 1.81 1.73 1.69
8 HDFC ERGO General Insurance Co. Ltd. 2.04 1.88 2.05 2.06
9 Go Digit General Insurance Ltd. NA NA 6.26 5.48
10 ICICI Lombard General Insurance Co. Ltd. 2.13 2.18 2.21 2.05
11 IFFCO Tokio General Insurance Co. Ltd. 1.64 1.79 1.63 1.62
12 Kotak Mahindra General Insurance Co. Ltd. 2.41 2.28 2.09 1.88
13 Liberty General Insurance Co. Ltd.* 2.22 1.85 2.23 2.40
14 Magma HDI General Insurance Co. Ltd. 2.06 2.06 2.07 2.01
15 Raheja QBE General Insurance Co. Ltd. 4.43 4.42 4.42 4.32
16 Reliance General Insurance Co. Ltd. 1.70 1.73 1.72 1.68
17 Royal Sundaram General Insurance Co. Ltd. 1.69 2.25 2.25 2.21
18 SBI General Insurance Co. Ltd. 2.30 2.67 2.72 2.54
19 Shriram General Insurance Co. Ltd. 1.86 2.09 2.27 2.35
20 Tata AIG General Insurance Co. Ltd. 1.72 1.95 1.78 1.69
21 Universal Sompo General Insurance Co. Ltd. 1.64 1.68 1.55 2.30
PUBLIC INSURERS
22 National Insurance Co. Ltd. 1.69 1.62 1.53 1.55
23 The New India Assurance Co. Ltd. 2.24 2.24 2.39 2.58
24 The Oriental Insurance Co. Ltd. 1.18 1.52 1.43 1.66
25 United India Insurance Co. Ltd. 1.10 1.08 1.08 1.54
SPECIALIZED INSURERS
26 Agriculture Insurance Co of India Ltd 2.13 2.59 2.39 2.04
27 Export Credit Guarantee Corporation of India Ltd. 8.60 7.62 10.33 9.86
STANDALONE HEALTH INSURERS
28 Aditya Birla Health insurance Co. Limited 2.22 3.46 2.34 1.67
29 Apollo Munich Health Insurance Co. Ltd. 1.54 1.57 1.60 1.74
30 CignaTTK Health Insurance Co. Ltd. 2.13 3.83 2.82 2.06
31 Max Bupa Health Insurance Co. Ltd. 1.99 1.96 1.92 2.11
32 Religare Health Insurance Co. Ltd. 1.58 1.54 1.32 1.56
33 Star Health and Allied Insurance Co. Ltd. 1.53 1.52 1.51 1.77
REINSURER
34 Public Sector - GIC 1.76 1.72 1.87 1.72
35 Private Sector - ITI 5.14 5.21 5.27 5.25
Note: * Erstwhile Liberty Videocon General Insurance Co. Ltd.
NA indicates that insurer's business was not in operation during the corresponding period.
187ANNUAL REPORT 2017-18
STATEMENT 22
STATUS OF GRIEVANCES - LIFE INSURERS 2017-18
Opening Reported Resolved % Resolved Pending at Duration-wise analysis of
Insurer Balance during the during the during the the end of pending complaints
year year year the year Less than Between More than
15 days 15 and 30 days
30 days
Aegon Life 0 1764 1764 100.00 0 0 0 0
Aviva 0 2282 2282 100.00 0 0 0 0
Bajaj Allianz 0 3439 3421 99.48 18 18 0 0
Bharti Axa 8 4148 4156 100.00 0 0 0 0
Aditya Birla Sun Life 10 6793 6786 99.75 17 7 2 8
Canara HSBC 0 665 663 99.70 2 2 0 0
DHFL Pramerica 1 1592 1589 99.75 4 4 0 0
Edelweiss Tokio 0 329 329 100.00 0 0 0 0
Exide Life 0 4201 4201 100.00 0 0 0 0
Future Generali 15 4447 4462 100.00 0 0 0 0
HDFC Standard 10 7257 7256 99.85 11 11 0 0
ICICI Prudential 3 7700 7701 99.97 2 2 0 0
IDBI Federal 0 742 742 100.00 0 0 0 0
India First 19 3219 3201 98.86 37 37 0 0
Kotak Mahindra 105 3400 3480 99.29 25 25 0 0
Max Life 0 5544 5544 100.00 0 0 0 0
PNB MetLife 70 4228 4226 98.32 72 68 0 4
Reliance Nippon 0 1615 1614 99.94 1 1 0 0
Sahara 3 82 74 87.06 11 2 3 6
SBI Life 2 7640 7642 100.00 0 0 0 0
ShriRam 1 406 406 99.75 1 1 0 0
Star Union Daichi 0 2556 2556 100.00 0 0 0 0
Tata AIA 0 3134 3134 100.00 0 0 0 0
LIC 0 77184 77184 100.00 0 0 0 0
Total 247 154367 154413 99.87 201 178 5 18
188ANNUAL REPORT 2017-18
STATEMENT 23
STATUS OF GRIEVANCES - GENERAL AND HEALTH INSURERS 2017-18
Insurer Opening Reported Resolved % Resolved Pending at Duration wise analysis
Balance during during during the end of of pending complaints
the year the year the year the year Less than Between More than
15 days 15 and 30 days
30 days
Bajaj Allianz General Insurance 7 914 919 99.78 2 2 0 0
Bharati Axa General Insurance 7 1943 1944 99.69 6 5 1 0
Cholamandalam MS General 3 439 440 99.55 2 2 0 0
Future Generali India Ins. 3 1113 1113 99.73 3 3 0 0
HDFC ERGO General Insurance 0 1037 1037 100.00 0 0 0 0
ICICI Lombard General Insurance 88 3037 3091 98.91 34 34 0 0
IFFCO Tokio General Insurance 1 1044 1029 98.47 16 15 0 1
Kotak Mahindra General 2 63 65 100.00 0 0 0 0
HDFC ERGO* 0 137 137 100.00 0 0 0 0
Liberty Genral Insurance 3 257 260 100.00 0 0 0 0
Magma HDI General Insurance 17 94 62 55.86 49 2 0 47
Raheja QBE 0 1 0 0.00 1 0 0 1
Reliance General Insurance 9 454 456 98.49 7 6 0 1
Royal Sundaram Alliance General 6 778 782 99.74 2 2 0 0
SBI General Insurance 55 671 697 96.01 29 16 1 12
Shriram General Insurance 0 218 218 100.00 0 0 0 0
Tata- AIG General Insurance 1 1050 1050 99.90 1 1 0 0
Universal Sompo General Ins 0 454 454 100.00 0 0 0 0
Total Private Insurers 202 13704 13754 98.91 152 88 2 62
National Insurance 189 5571 5591 97.07 169 50 21 98
The New India Assurance 35 4820 4852 99.94 3 3 0 0
The Oriental Insurance 130 2743 2121 73.83 752 40 8 704
United India Insurance 112 9425 9212 96.59 325 141 38 146
Total - PSU insurers 466 22559 21776 94.58 1249 234 67 948
STANDALONE HEALTH INSURERS
Aditya Birla Health 1 251 145 57.54 107 19 21 67
Apollo MUNICH Health Insurace 20 929 918 96.73 31 22 9 0
CignaTTK Health Insurance 8 702 707 99.58 3 3 0 0
Max Bupa Health Insurance 0 772 772 100.00 0 0 0 0
Religare Health Insurance 0 573 569 99.30 4 4 0 0
Star Health and Allied Insurance 37 4496 4486 98.96 47 47 0 0
Total - Health Insurers 66 7723 7597 97.53 192 95 30 67
SPECIALISED INSURERS
Agriculture Insurance - - - - - - - -
ECGC of India 52 9 8 13.11 53 0 0 53
Grand total 786 43995 43135 96.32 1646 417 99 1130
*Erstwhile HDFC Ergo General Insurance Co. Ltd. merged with L&T General Insurance Co. Ltd., w.e.f. 01.01.2017
189--ANNEXURESANNUAL REPORT 2017-18
ANNEXURE 1
INSURERS OPERATING IN INDIA
LIFE INSURERS*
Public Sector Private Sector
1. Life Insurance Corporation of India 1. Aditya Birla Sun Life Insurance Co. Ltd.
2. Aegon Life Insurance Co. Ltd.
3. Aviva Life Insurance Co. Ltd.
4. Bajaj Allianz Life Insurance Co. Ltd.
5. Bharti AXA Life Insurance Co. Ltd.
6. Canara HSBC OBC Life Insurance Co. Ltd.
7. DHFL Pramerica Life Insurance Co. Ltd.
8. Edleweiss Tokio Life Insurance Co. Ltd.
9. Exide Life Insurance Co. Ltd.
10. Future Generali Life Insurance Co. Ltd.
11. HDFC Standard Life Insurance Co. Ltd.
12. ICICI Prudential Life Insurance Co. Ltd.
13. IDBI Federal Life Insurance Co. Ltd.
14. India First Life Insurance Co. Ltd.
15. Kotak Mahindra Life Insurance Co. Ltd.
16. Max Life Insurance Co. Ltd.
17. PNB Met Life India Insurance Co. Ltd.
18. Reliance Nippon Life Insurance Co. Ltd.
19. Sahara Life Insurance Co. Ltd.
20. SBI Life Insurance Co. Ltd.
21. Shriram Life Insurance Co. Ltd.
22. Star Union Dai-ichi Life Insurance Co. Ltd.
23. TATA AIA Life Insurance Co. Ltd.
* As on 31st March, 2018
193ANNUAL REPORT 2017-18
Contd…ANNEXURE 1
GENERAL INSURERS*
Public Sector Private Sector
1 National Insurance Co. Ltd. 1 Acko General Insurance Ltd.
2 The New India Assurance Co. Ltd. 2 Bajaj Allianz General Insurance Co. Ltd.
3. The Oriental Insurance Co. Ltd. 3 Bharti AXA General Insurance Co. Ltd.
4 United India Insurance Co. Ltd 4 Cholamandalam MS General Insurance Co. Ltd
5 DHFL General Insurance Ltd.
. 6 Edelweiss General Insurance Co. Ltd.
7 Future Generali India Insurance Co. Ltd.
8 Go Digit General Insurance Ltd.
9 HDFC ERGO General Insurance Co. Ltd.#
10 ICICI Lombard General Insurance Co. Ltd.
11 IFFCO Tokio General Insurance Co. Ltd.
12 Kotak Mahindra General Insurance Co. Ltd.
13 Liberty Videocon General Insurance Co. Ltd.
14 Magma HDI General Insurance Co. Ltd.
15 Raheja QBE General Insurance Co. Ltd.
16 Reliance General Insurance Co. Ltd.
17 Royal Sundaram General Insurance Co. Ltd.
18 SBI General Insurance Co. Ltd.
19 Shriram General Insurance Co. Ltd.
20 TATA AIG General Insurance Co. Ltd.
21 Universal Sompo General Insurance Co. Ltd.
SPECIALISED INSURERS*
1 Agriculture Insurance Co. of India Ltd.
2 Export Credit Guarantee Corporation of India Ltd.
STANDALONE HEALTH INSURERS*
1 Aditya Birla Health Insurance Co. Ltd.
2 Apollo Munich Health Insurance Co. Ltd.
3 Cigna TTK Health Insurance Co. Ltd
4 Max Bupa Health Insurance Co. Ltd.
5 Religare Health Insurance Co. Ltd.
6 Star Health and Allied Insurance Co. Ltd.
* As on 31st March 2018.
#As a result of merger of HDFC General Insurance Co. Ltd (formerly known as L&T General Insurance Co. Ltd) with HDFC ERGO
General Insurance Co. Ltd, the registration of erstwhile HDFC ERGO General Insurance Company Limited (Registration no. 125)
stands cancelled with effect from 16.08.2017. The merged entity is now known as HDFC ERGO General Insurance Company
Limited (Registration no. 146).
194ANNUAL REPORT 2017-18
Contd…ANNEXURE 1
REINSURERS*
Public Sector Private Sector
1 General Insurance Corporationof India 1 ITI Reinsurance Limited
(GIC Re)
FOREIGN REINSURER'S BRANCHES INCLUDING LLOYD'S INDIA*
1 Münchener Rückversicherungs-Gesellschaft
Aktiengesellschaft - India Branch
2 Swiss Reinsurance Company Ltd, India Branch
3 SCOR SE - India Branch
4 Hannover Rück SE – India Branch
5 RGA Life Reinsurance Company of Canada,
India Branch
6 XL Insurance Company SE, India Reinsurance Branch
7 General Reinsurance AG - India Branch
8 AXA France Vie - India Reinsurance Branch
9 Lloyd's India Reinsurance Branch
MS AMLIN (India) Private Limited (Service Company)
* As on 31st March 2018.
195ANNUAL REPORT 2017-18
ANNEXURE 2
FEE STRUCTURE FOR INSURERS AND VARIOUS INTERMEDIARIES
Sl. Insurer/ Processing Registration Renewal Periodicity of
No. Intermediary Fee Fee Fee Renewal
1 Insurer (Life / - `5,00,000 1/20th of 1% of Gross Direct Premium Every year (by
General/Health) written in India subject to a minimum 31st January)
of `5,00,000 and maximum
of `10 crore
2 Reinsurer - `5,00,000 1/20th of 1 % of the total premium Every year
in respect of facultative reinsurance (by 31st January)
accepted in India subject to a
minimum of ` 5,00,000 and maximum
of `10 crore
3 Branch of Foreign Reinsuers - `5,00,000 1/20th of 1 % of the total premium Every year (by
including Lloyds in respect of facultative reinsurance 31st December)
accepted in India subject to a
minimum of ` 5,00,000 and maximum
of ` 10 crore
4 Service Company of Lloyds - `50000 `50000 Every year (by
31st December)
5 Amalgamation and transfer 1/10th of 1% of Gross - - -
of General / Life insurance Direct Premium written
business direct in India by the
transacting entities during
the financial year preceding
the financial year in which
the application is filed with
the Authority subject to a
minimum of `50 lakh and
maximum of `5 crore
6 Third Party Administrator `20000 `30000 `15000 3 years
7 Brokers-Direct `25,000/- After grant of `1,00,000/- 3 years
in-principle
approval
`50,000/-
Brokers-Reinsurance `50,000/- After grant of `3,00,000/- 3 years
in-principle
approval
`1,50,000/-
Brokers-Composite `75,000/- After grant of `5,00,000/- 3 years
in-principle
approval
`2,50,000/-
8 Surveyors and Loss - `1000 `100 as renewal fee if application filed 3 years
Assessors Individual before 30 days from the date of expiry,
and Corporate `850 as renewal fee with penalty of `750,
if renewal application filed later but within
six months from the date of expiry
of licence
9 Corporate Agents Non Refundable Fee - ` 25000 for ` 25000 for CoR Renewal `500 for 3 Years
` 10,000 Certificate of Renewal of the Certificate to the
Registration for PO/SP/AV.
the entity and
` 500 for the
Certificate
to the Principal
Officer/Specified
Person/Authorised
Verifier
10 Web Aggregators `10000 `25000 `25000 3 Years
11 Common Service Centre - `5000 `1000 3 Years
- Special Purpose Vehicles
12 Referrals - `10,000 `10000 3 Years
13 Insurance Marketing Firm - `5000 `2000 3 years
14 Insurance Repository `10000 `100000 `50000 3 Years
15 ISNP(Insurance Self-Net
work Platform) - `10000 - -
196ANNUAL REPORT 2017-18
ANNEXURE 3(i)
INDIAN ASSURED LIVES MORTALITY (2006-08) Ultimate
Published Mortality Table, effective 1st April, 2013, within the meaning of Regulation 4 of IRDA (Asset, Liabilities and
Solvency Margin of Insurers)
Published with the concurrence of IRDA vide its letter dated 20th February 2013
Age x is defined as age nearest birthday.
Age (x) Mortality rate (q ) Age (x) Mortality rate (q )
x x
0 0.004445 27 0.001004
1 0.003897 28 0.001017
2 0.002935 29 0.001034
3 0.002212 30 0.001056
4 0.001670 31 0.001084
5 0.001265 32 0.001119
6 0.000964 33 0.001164
7 0.000744 34 0.001218
8 0.000590 35 0.001282
9 0.000492 36 0.001358
10 0.000440 37 0.001447
11 0.000428 38 0.001549
12 0.000448 39 0.001667
13 0.000491 40 0.001803
14 0.000549 41 0.001959
15 0.000614 42 0.002140
16 0.000680 43 0.002350
17 0.000743 44 0.002593
18 0.000800 45 0.002874
19 0.000848 46 0.003197
20 0.000888 47 0.003567
21 0.000919 48 0.003983
22 0.000943 49 0.004444
23 0.000961 50 0.004946
24 0.000974 51 0.005483
25 0.000984 52 0.006051
26 0.000994 53 0.006643
197ANNUAL REPORT 2017-18
Contd... ANNEXURE 3(i)
INDIAN ASSURED LIVES MORTALITY (2006-08) Ultimate
Age (x) Mortality rate (q ) Age (x) Mortality rate (q )
x x
54 0.007256 85 0.091982
55 0.007888 86 0.099930
56 0.008543 87 0.108540
57 0.009225 88 0.117866
58 0.009944 89 0.127963
59 0.010709 90 0.138895
60 0.011534 91 0.150727
61 0.012431 92 0.163532
62 0.013414 93 0.177387
63 0.014497 94 0.192374
64 0.015691 95 0.208585
65 0.017009 96 0.226114
66 0.018462 97 0.245067
67 0.020061 98 0.265555
68 0.021819 99 0.287699
69 0.023746 100 0.311628
70 0.025855 101 0.337482
71 0.028159 102 0.365411
72 0.030673 103 0.395577
73 0.033412 104 0.428153
74 0.036394 105 0.463327
75 0.039637 106 0.501298
76 0.043162 107 0.542284
77 0.046991 108 0.586516
78 0.051149 109 0.634244
79 0.055662 110 0.685737
80 0.060558 111 0.741283
81 0.065870 112 0.801191
82 0.071630 113 0.865795
83 0.077876 114 0.935453
84 0.084645 115 0.985796
198ANNUAL REPORT 2017-18
ANNEXURE 3(ii)
PUBLISHED MORTALITY TABLE
[Within the meaning of Regulation 4 of IRDA (Assets, Liabilities and Solvency Margin of Insurers) Regulations, 2000]
MORTALITY FOR ANNUITANTS - LIC (A) (1996-98) ULTIMATE RATES
Age Mortality rate Age Mortality rate
(x) (q ) (x) (q )
x x
20 0.000919 48 0.003438
21 0.000961 49 0.003816
22 0.000999 50 0.004243
23 0.001033 51 0.004719
24 0.001063 52 0.005386
25 0.001090 53 0.006058
26 0.001113 54 0.006730
27 0.001132 55 0.007401
28 0.001147 56 0.008069
29 0.001159 57 0.008710
30 0.001166 58 0.009397
31 0.001170 59 0.010130
32 0.001170 60 0.010907
33 0.001171 61 0.011721
34 0.001201 62 0.011750
35 0.001246 63 0.012120
36 0.001308 64 0.012833
37 0.001387 65 0.013889
38 0.001482 66 0.015286
39 0.001593 67 0.017026
40 0.001721 68 0.019109
41 0.001865 69 0.021534
42 0.002053 70 0.024301
43 0.002247 71 0.027410
44 0.002418 72 0.030862
45 0.002602 73 0.034656
46 0.002832 74 0.038793
47 0.003110 75 0.043272
199ANNUAL REPORT 2017-18
Contd.. ANNEXURE 3(ii)
PUBLISHED MORTALITY TABLE
[Within the meaning of Regulation 4 of IRDA (Assets, Liabilities and Solvency Margin of Insurers) Regulations, 2000]
MORTALITY FOR ANNUITANTS - LIC (A) (1996-98) ULTIMATE RATES
Age Mortality rate Age Mortality rate
(x) (q ) (x) (q )
x x
97 0.228425
76 0.048093
98 0.240778
77 0.053257
99 0.253473
78 0.058763
100 0.266511
79 0.064611
101 0.279892
80 0.070802
102 0.293614
81 0.077335
103 0.307679
82 0.084210
104 0.322087
83 0.091428
105 0.336836
84 0.098988
106 0.351928
85 0.106891
107 0.367363
86 0.115136
108 0.383139
87 0.123723
109 0.399258
88 0.132652
110 0.415720
89 0.141924
111 0.432524
90 0.151539
112 0.449670
91 0.161495
113 0.467159
92 0.171794
114 0.484989
93 0.182436
115 0.503163
94 0.193419
116 0.521678
95 0.204746
117 0.540536
96 0.216414
118 0.559737
200ANNUAL REPORT 2017-18
ANNEXURE 4
LIFE INSURANCE PRODUCTS & RIDERS APPROVED 2017-18
SI. No. Name of Insurer Number of Products
1 Bajaj Allianz Life Insurance Co. Ltd. 12
2 Reliance Nippon Life Insurance Co. Ltd. 3
3 AVIVA Life Ins. Co. India Pvt. Ltd. 4
4 Aditya Birla Sun Life Insurance Co. Ltd. 28
5 ICICI Prudential Life Insurance Co. Ltd. 13
6 HDFC Standard Life Insurance Co. Ltd. 34
7 Exide Life Insurance Co. Ltd. 7
8 Life Insurance Corporation of India 15
9 Max Life Insurance Co. Ltd. 27
10 PNB MetLife India Insurance Co. Ltd. 13
11 Kotak Mahindra OM Life Insurance Ltd. 17
12 SBI Life Insurance Co. Ltd. 10
13 TATA AIA Life Insurance Co. Ltd. 15
14 Sahara India Life Insurance Co. Ltd. -
15 Bharti AXA Life Insurance Co. Ltd. 13
16 Shriram Life Insurance Co. Ltd. 6
17 Future Generali India Life Insurance Co. Ltd. 14
18 IDBI Federal Life Insurance Co. Ltd 5
19 Canara HSBC Oriental Bank of Commerce Life Insurance Company Ltd. 19
20 DHFL Pramerica Life Insurance Co. Ltd 12
21 Aegon Life Insurance Company Ltd 6
22 Star Union Dai-ichi Life Insurance Co Ltd. 7
23 India First Life insurance Co . Ltd 15
24 Edelweiss Tokio Life Insurance Co. Ltd 9
Total Products & Riders Approved 304
Note: For detailed information about the products, please refer to IRDAI website.
201ANNUAL REPORT 2017-18
ANNEXURE 5
LIST OF MICRO INSURANCE PRODUCTS OF LIFE INSURERS AS AT 31.03.2018
Insurer Name of the Product
Individual Category Group Category
ADITYA BIRLA SUN LIFE BSLI Bima Suraksha Super -
BSLI Grameen Jeevan Raksha -
BSLI Bima Kavach Yojana -
BSLI Bima Dhan Sanchay -
AVIVA LIFE Aviva Nayi Grameen Suraksha -
BAJAJ ALLIANZ LIFE Bajaj Allianz Life Bima Dhan Suraksha Yojana Bajaj Allianz Life Jan Suraksha Yojna
Bajaj Allianz Life Bima Sanchay Yojana Bajaj Allianz Life Group
Sampoorn Suraksha Kavach
CANARA HSBC OBC LIFE - Canara HSBC Oriental Bank Of
Commerce Life Insurance
Sampoorna Kavach Plan
DHFL PRAMERICA LIFE - DHFL Pramerica Sarv Suraksha
- DHFL Pramerica Sampoorna Suraksha
EDLEWEISS TOKIO LIFE Edelweiss Tokio Life Raksha Kavach -
Edelweiss Tokio Life Dhan Nivesh Bima Yojana -
HDFC STANDARD LIFE HDFC SL SarvGrameen Bachat Yojana HDFC Life Group Credit Suraksha
- HDFC Life Group Jeevan Suraksha
ICICI PRUDENTIAL LIFE ICICI Pru Sarva Jana Suraksha ICICI Pru Shubh Raksha Credit
ICICI Pru Anmol Bachat -
IDBI FEDERAL LIFE Termsurance Sampoorn Suraksha Micro-insurance Plan IDBI Federal Group Microsurance Plan
INDIA FIRST LIFE "IndiaFirst Life ““INSURANCE KHATA” Plan" -
KOTAK MAHINDRA LIFE Kotak Sampoorn Bima Micro-Insurance Plan Kotak Raksha Group
Micro-Insurance Plan
PNB MET LIFE MetLife Grameen Ashray -
SBI LIFE SBI Life Grameen Bima SBI Life Grameen Super Suraksha
- SBI Life Grameen Shakti
SHRIRAM LIFE Shriram Grameena Suraksha Shriram Jana Sahay
- Shri Sahay
- Shri Sahay AP
TATA AIA LIFE Tata AIA Life Insurance Saat Saath -
LIC OF INDIA Jeevan Madhur -
Jeevan Mangal -
Jeevan Deep -
Bhagya Lakshmi -
202ANNUAL REPORT 2017-18
ANNEXURE 6
GENERAL INSURANCE PRODUCTS APPROVED 2017-18
Sl. No. Name of the Insurer Number of Product/Add-on/ Endorsement
1 Acko General Insurance Limited 8
2 Bajaj Allianz General Insurance Co. Ltd. 6
3 Bharti AXA General Insurance Company Limited 60
4 Cholamandalam MS General Insurance Co. Ltd. 18
5 DHFL General Insurance Company Limited 56
6 EDELWEISS General Insurance Company Limited 3
7 Future Generali India Insurance Company Limited 44
8 Go Digit General Insurance Limited 30
9 HDFC ERGO General Insurance Co. Ltd. 5
10 ICICI Lombard General Insurance Co. Ltd. 1
11 IFFCO Tokio General Insurance Co. Ltd. 14
12 Kotak Mahindra General Insurance Company Limited 198
13 Liberty General Insurance Company Limited 59
14 Magma HDI General Insurance Company Limited 165
15 National Insurance Co. Ltd. 9
16 Raheja QBE General Insurance Company Limited 35
17 Reliance General Insurance Co. Ltd. 53
18 Royal Sundaram General Insurance Co. Limited 3
19 SBI General Insurance Company Limited 12
20 Shriram General Insurance Company Limited 5
21 Tata AIG General Insurance Co. Ltd. 6
22 The New India Assurance Co. Ltd. 2
23 The Oriental Insurance Co. Ltd. 2
24 United India Insurance Co. Ltd. 2
Total 796
Note: For detailed information about the products, please refer to IRDAI website.
203ANNUAL REPORT 2017-18
ANNEXURE 7
HEALTH INSURANCE PRODUCTS APPROVED 2017-18
SI. No. Name of the Insurance Company Number of product
1 Acko General Insurance Ltd 1
2 Aditya Bira Health Insurance Co 2
3 Appollo Munich Health Insurance Co 8
4 Bajaj Allianz General Insurance Co Ltd. 1
5 Bhatti Axa General Insurance Co ltd 2
6 Chola MS General Insurance Co Ltd 2
7 Cigna TTK Health Insurance Co ltd 3
8 DHFL General Insurance co ltd 1
9 Edelweiss General Insurance Co ltd 1
10 Future Generali India Insurance Co ltd 4
11 Go Digi General Insurance Co ltd 1
12 HDFC ERGO General Insurance Co ltd 10
13 ICICI Lombard General Insurance Co ltd 3
14 Iffco Tokio General Insurance Co ltd 3
15 Kotak Mahindra General Insurance Co ltd 3
16 Liberty General Insurance Co 2
17 Magma HDI General Insruance Co ltd 2
18 Max Bupa Health Insurance Co ltd 4
19 National Insurance Co ltd 1
20 Oriental Insurance Co ltd 1
21 Reliance General Insurance Co ltd 2
22 Religare Health Insurance Co Ltd 3
23 Royal Sundaram General Insurance Co ltd 2
24 Shriram General Insurance Co ltd 5
25 Star Health And Allied Insurance Co ltd 17
26 Tata AIG General Insurance Co ltd 2
27 The New India Assurance Co ltd 2
28 United India Insurance Co ltd 5
29 Universal Sompo General Insurance Co ltd 6
Total 99
Note: For detailed information about the products, please refer to IRDAI website.
204ANNUAL REPORT 2017-18
ANNEXURE 8
CIRCULARS/ORDERS/GUIDELINES/INSTRUCTIONS/MISCELLANEOUS
ISSUED FROM 01/04/2017 TO 31/03/2018
Sl.No. Reference Number Department Date of Issue Notification Type Subject
1 IRDA/NL/CIR/RIN/080/04/2017 NON LIFE 4/6/2017 Circular Cross Border Reinsurers granted approval
under guideline no 6 of the Guidelines on
Cross Border Reinsurer.
2 IRDA/IT/GDL/MISC/082/04/2017 INFORMATION TECH. 4/7/2017 Guidelines/Instructions Guidelines on Information and Cyber
Security for insurers
3 IRDA/INT/CIR/ECM/083/04/2017 INTERMEDIARIES DEPT. 4/11/2017 Circular Circular on Filling of online application for
ISNP as per IRDAI's Guidelines on e-
commerce dated. 9th March, 2017
4 IRDA/INT/GDL/PSP/084/04/2017 INTERMEDIARIES DEPT. 4/13/2017 Guidelines/Instructions Uploading of Point of Sales Person (POS)
data into POS system of IIB
5 IRDA/NL/NTFN/MOTP/089/04/2017 NON LIFE 4/17/2017 NOTIFICATION Order of Insurance Regulatory and
Development Authority of India on
Premium Rates for Motor Third Party
Liability Insurance Cover for FY 2017-18
6 IRDA/SUR/ORD/MISC/094/04/2017 SURVEYORS 4/24/2017 Orders Order in the matter of Shri Rajinder Kumar
Singhal and M/s. R. K. Singhal and
Company Private Limited, Surveyor and
Loss Assessor under License No. 15513
7 IRDA/LIFE/CIR/MIN/095/04/2017 LIFE 4/26/2017 Circular Inclusion of "Farmer Producer Company
(FPC) in the list of Micro Insurance Agent"
8 IRDA/HLT/CIR/CSC/097/05/2017 HEALTH DEPT. 5/1/2017 Circular Offering existing Health Insurance
Products that are in compliance with IRDAI
Regulations, 2015 as CSC Insurance
Products, for distribution through CSC
9 IRDA/NL/GDL/F&U/109/05/2017 NON LIFE 5/3/2017 Guidelines/Instructions Classification of Products
10 IRDA/ACT/CIR/ULIP/113/05/2017 ACTUARIAL 5/5/2017 Circular IRDA/ACTL/CIR/ULIP/174/08/2016
DATED 26.08.2016 - REVIVAL OPTION
UNDER DISCONTINUED UNIT LINKED
POLICIES
11 IRDA/BRK/MISC/CIR/114/05/2017 BROKERS 5/5/2017 Miscellaneous Clarification on service tax received from
regulated entities
12 IRDA/NL/ORD/RIN/111/05/2017 NON LIFE 5/5/2017 Orders Constitution of Reinsurance Expert
Committee
13 IRDA/NL/MISC/PRO/115/05/2017 NON LIFE 5/5/2017 Miscellaneous GUIDING PRINCIPLES FOR PRICING OF
RISK
14 IRDA/NL/ORD/MISC/119/05/2017 NON LIFE 5/19/2017 Orders Working group on visiting product
structure for Dwellings, offices, hotels,
shops, etc. and micro, small and medium
enterprises for cover against fire and allied
perils
205ANNUAL REPORT 2017-18
Contd.. ANNEXURE 8
CIRCULARS/ORDERS/GUIDELINES/INSTRUCTIONS/MISCELLANEOUS
ISSUED FROM 01/04/2017 TO 31/03/2018
Sl.No. Reference Number Department Date of Issue Notification Type Subject
15 IRDA/BRK/MISC/CIR/120/05/2017 BROKERS 5/24/2017 Miscellaneous Withdrawal of Circular No. IRDA/DIST/
BRK/CIR/205/10/2013 dt. 30.10.2013
16 IRDA/BRK/GDL/CIR/121/05/2017 BROKERS 5/25/2017 Guidelines/Instructions Extending the regulatory forbearance of
Regulation 34(4) of IRDA (Insurance
Brokers) Regulations, 2013
17 IRDA/INT/CIR/IMF/122/05/2017 INTERMEDIARIES DEPT. 5/26/2017 Circular Procedure to be followed to deal with
resignation of Insurance Sales Persons
(ISPs) of Insurance Marketing Firms (IMFs)
18 IRDA/INT/CIR/PSP/130/06/2017 INTERMEDIARIES DEPT. 6/5/2017 Circular Point of Salesperson - Distribution of Add-
Ons - Maintenance of records - Submission
of Returns
19 IRDA/F&A/ORD/FA/134/06/2017 Finance & Accounts 6/8/2017 Orders Non-Compliance of Quaries raised by
Authority.
20 IRDA/INT/CIR/INSRE/133/06/2017 INTERMEDIARIES DEPT. 6/8/2017 Circular Status of Issuance of e-Insurance Policies
21 IRDA/F&A/ORD/FA/136/06/2017 Finance & Accounts 6/12/2017 Orders Appointment of Administrator for Sahara
Life Insurance Co. Ltd.
22 IRDA/INT/MISC/ORD/142/06/2017 INTERMEDIARIES DEPT. 6/15/2017 Miscellaneous Order in the matter of M/s. Pcube
Insurance Broking Private Limited
23 IRDA/INT/MISC/ORD/143/06/2017 INTERMEDIARIES DEPT. 6/15/2017 Miscellaneous Order in the matter of M/s. Confiance
Insurance Brokers Private Limited
24 IRDA/ACT/CIR/MISC/147/06/2017 ACTUARIAL 6/21/2017 Circular Submission of Actuarial Reports for the
year FY 2016-17 in respect of the
registered branch offices of Foreign
Reinsurers other than Lloyds
25 IRDA/F&A/CIR/ACTS/146/06/2017 Finance & Accounts 6/21/2017 Circular Implementation of Ind AS in the Insurance
Sector
26 IRDA/F&A/ORD/FA/148/06/2017 Finance & Accounts 6/23/2017 Orders Regarding Administration of Sahara Life
Insurance Company Limited
27 IRDA/NL/CIR/MISC/149/06/2017 NON LIFE 6/28/2017 Circular Delay in Claim Intimation/Documents
submission
28 IRDA/F&A/CIR/GLD/156/07/2017 Finance & Accounts 7/5/2017 Circular Pricing in case of put or call options in JV
Agreement
29 IRDA/INT/CIR/CDB/160/07/2017 INTERMEDIARIES DEPT. 7/12/2017 Circular Centalised database for insurer,
intermediaries and agents
30 IRDA/INT/MISC/ORD/165/07/2017 INTERMEDIARIES DEPT. 7/19/2017 Miscellaneous Order in the matter of M/s 100 Days
Insurance Brokers Private Limited
31 IRDA/BRK/MISC/CIR/172/07/2017 BROKERS 7/24/2017 Miscellaneous Filing of actual data in the Business
Analytics Project
206ANNUAL REPORT 2017-18
Contd.. ANNEXURE 8
CIRCULARS/ORDERS/GUIDELINES/INSTRUCTIONS/MISCELLANEOUS
ISSUED FROM 01/04/2017 TO 31/03/2018
Sl.No. Reference Number Department Date of Issue Notification Type Subject
32 IRDA/F&A/CIR/MISC/173/07/2017 Finance & Accounts 7/24/2017 Circular Unclaimed amounts of Policyholders
33 IRDA/F&A/ORD/MISC/176/07/2017 Finance & Accounts 7/28/2017 Orders Administrative order
34 IRDA/SDD/CIR/MISC/175/07/2017 SECTORAL DEVELOPMENT 7/28/2017 Circular Submission of data to IIBI
35 IRDA/INSP/ORD/RBSF/178/07/2017 INSPECTION 7/31/2017 Orders MATTER RELATED TO RISK BASED
SUPERVISORY FRAMEWORK
36 IRDA/NL/PNTC/MISC/179/08/2017 NON LIFE 8/3/2017 Public Notice Discussion Paper on Telematics
37 IRDA/F&A/ORD/ACTS/184/08/2017 Finance & Accounts 8/4/2017 Orders Group on new standard on Insurance
Contracts
38 IRDA/LIFE/MISC/CIR/185/08/2017 LIFE 8/7/2017 Miscellaneous Modification to Gudelines on POS-Life
Insurance products
39 IRDA/INT/CIR/INSRE/192/08/2017 INTERMEDIARIES DEPT. 8/14/2017 Circular Clarification on revised guidelines on
Insurance Repositories and electronic
issuance of insurance policies dated
29.05.2015 and guidelines on insurance
e-commerce dated 9th March, 2017
40 IRDA/ACT/GDL/MISC/194/08/2017 ACTUARIAL 8/17/2017 Guidelines/Instructions IRDAI guidelines on Transitory Provisions
under IRDAI (Appointed Actuary)
Regulations, 2017
41 IRDA/INT/CIR/CDB/197/08/2017 INTERMEDIARIES DEPT. 8/24/2017 Circular Constitution of central database of
Licensed Insurance sales persons in India
(ENVOY) at IIB
42 IRDA/INT/GDL/MISP/202/08/2017 INTERMEDIARIES DEPT. 8/31/2017 Guidelines/Instructions Guidelines on Motor Insurance Service
Provider
43 IRDA/NL/CIR/MISC/206/08/2017 NON LIFE 8/31/2017 Circular (i) Non-Participation/Unsatisfactory
participation of certain insurance
companies in Lok Adalats/MACT (ii)
Serving of Policy
44 IRDA/SDD/CIR/MISC/204/08/2017 SECTORAL DEVELOPMENT 8/31/2017 Circular Clarification on Aadhar based e-KYC
45 IRDA/BRK/CIR/INSRE/211/09/2017 BROKERS 9/7/2017 Circular Clarification on (a) revised guidelines
insurance repositories and electronic
issuance of insurance policies dated
29.05.2015 (b) guidelines on insurance e-
commerce dated 9th March, 2017
46 IRDA/LIFE/CIR/POB/213/09/2017 LIFE 9/13/2017 Circular BAP forms to be used in respect of Places
of Business Module
47 IRDA/LIFE/CIR/MISC/215/09/2017 LIFE 9/15/2017 Circular Publishing of Death Claims data / Death
Claims paid ratios in " Insurance
Advertisements"
207ANNUAL REPORT 2017-18
Contd.. ANNEXURE 8
CIRCULARS/ORDERS/GUIDELINES/INSTRUCTIONS/MISCELLANEOUS
ISSUED FROM 01/04/2017 TO 31/03/2018
Sl.No. Reference Number Department Date of Issue Notification Type Subject
48 IRDA/SUR/ORD/MISC/218/09/2017 SURVEYORS 9/19/2017 Orders Re-Constitution of Committee of
Surveyors and Loss Assessors in terms of
Regulation 10 of the IRDAI (Insurance
Surveyors and Loss Assessors)
Regulations, 2015 (Surveyor Regulations)
49 IRDA/ACT/ORD/MISC/220/09/2017 ACTUARIAL 9/20/2017 Orders Steering committee for implementation of
Risk Based Capital Regime
50 IRDA/HLT/MISC/ORD/221/09/2017 HEALTH DEPT. 9/21/2017 Miscellaneous Final order in the matter of M/s Grand
Insurance TPA (P) Ltd.
51 IRDA/NL/GDL/MISC/223/09/2017 NON LIFE 9/21/2017 Guidelines/Instructions Guidelines on Insurance claims of the
victims of recent floods (August- 2017) in
the state of Bihar
52 IRDA/SUR/CIR/MISC/222/09/2017 SURVEYORS 9/21/2017 Circular Time Limit for filing returns under
regulation 21 of IRDAI ( Insurance
Surveyors and Loss Assessors)
Regulations, 2015
53 IRDA/NL/CIR/MISC/230/10/2017 NON LIFE 10/10/2017 Circular Submission of Crop Insurance Data
54 IRDA/TAC/ORD/ADMN/231/10/2017 TARIFF ADVISORY COMM. 10/11/2017 Orders Closure of TAC and apportionment of
surplus assets to 5 PSUs Background
55 IRDA/IT/CIR/MISC/232/10/2017 INFORMATION TECH. 10/12/2017 Circular CMDs/ CEOs LIFE INSURERS, GENERAL
INSURERS, HEALTH INSURERS AND
REINSURERS
56 IRDA/INT/CIR/ECM/233/10/2017 INTERMEDIARIES DEPT. 10/13/2017 Circular Extension for filing of Online application
for insurance self network platform
57 IRDA/INT/CIR/MISP/235/10/2017 INTERMEDIARIES DEPT. 10/18/2017 Circular Motor Insurance Service Provider
Guidelines
58 IRDA/CAGTS/ORD/LCE/236/10/2017 CORPORATE AGENTS 10/23/2017 Orders Order in the matter of M/s R k Live-well
Assurance Private Ltd. Corporate Agency
Certificate of registration
59 IRDA/INT/CIR/PSP/239/10/2017 INTERMEDIARIES DEPT. 10/25/2017 Circular Inclusion of Indemnity based Health
Insurance Product through PoS - General
Insurers and Standalone Health Insurers
60 IRDA/HLT/MISC/ORD/242/10/2017 HEALTH DEPT. 10/31/2017 Miscellaneous Final order in the matter of M/s Max Bupa
Health Insurance Co. Ltd.
61 IRDA/HLT/MISC/ORD/243/10/2017 HEALTH DEPT. 10/31/2017 Miscellaneous Final order in the matter of M/s United
India Insurance Co. Ltd.
62 IRDA/INT/CIR/MISP/245/11/2017 INTERMEDIARIES DEPT. 11/1/2017 Circular Motor Insurance Service Provider (MISP)
Portal
63 IRDA/LIFE/CIR/MISC/244/11/2017 LIFE 11/1/2017 Circular Business figures being reported to the
Authority
208ANNUAL REPORT 2017-18
Contd.. ANNEXURE 8
CIRCULARS/ORDERS/GUIDELINES/INSTRUCTIONS/MISCELLANEOUS
ISSUED FROM 01/04/2017 TO 31/03/2018
Sl.No. Reference Number Department Date of Issue Notification Type Subject
64 IRDA/INT/CIR/MISP/246/11/2017 INTERMEDIARIES DEPT. 11/2/2017 Circular Circular on Motor Insurance Service
Provider (MISP)
65 IRDA/INSP/ORD/RBSF/247/11/2017 INSPECTION 11/3/2017 Orders Additional terms of reference to Project
Committee on RBSF
66 IRDA/SDD/MISC/CIR/248/11/2017 SECTORAL DEVELOPMENT 11/8/2017 Miscellaneous The prevention of Money-Laundering
(Maintenance of Records) Second
Amendment Rules, 2017
67 IRDA/BRK/MISC/CIR/260/11/2017 BROKERS 11/30/2017 Miscellaneous Grant of approval for Online Training
68 IRDA/SUR/MISC/ORD/262/12/2017 SURVEYORS 12/4/2017 Miscellaneous Constitution of the committee with regard
to grant of chartered status of IIISLA
69 IRDA/F&A/GDL/PEF/263/12/2017 Finance & Accounts 12/5/2017 Guidelines/Instructions IRDAI (investment by private equity funds
in Indian Insurance Companies) Guidelines
70 IRDA/NL/ORD/MISC/264/12/2017 NON LIFE 12/6/2017 Orders Constitution of a working group to examine
"Innovations in insurance involing
wearable/portable devices
71 IRDA/F&A/ORD/ACTS/265/12/2017 Finance & Accounts 12/13/2017 Orders Working group on new standard on
Insurance contracts (equivalent to IFRS
17-Insurance Contracts)
72 IRDA/SDD/CIR/MISC/267/12/2017 SECTORAL DEVELOPMENT 12/18/2017 Circular The prevention of Money-Laundering
(Maintenance of Records) Seventh
Amendment Rules, 2007
73 IRDA/HLT/MISC/ORD/268/12/2017 HEALTH DEPT. 12/20/2017 Miscellaneous Final order in the matter of M/s Oriental
Insurance Co. Ltd.
74 IRDA/RI/GDL/SEZ/269/12/2017 Reinsurance 12/21/2017 Guidelines/Instructions Guidelines in the matter of SEZ - IIO
75 IRDA/NL/CIR/MOTP/001/01/2018 NON LIFE 1/1/2018 Circular Issuance of Third Party Insurance
Coverage
76 IRDA/INT/CIR/MISP/005/01/2018 INTERMEDIARIES DEPT. 1/11/2018 Circular Clarification on MISP Guidelines
77 IRDA/ACT/MISC/MISC/008/01/2018 ACTUARIAL 1/15/2018 Miscellaneous Revised panel of Actuaries
78 IRDA/HLT/WRN/ORD/009/01/2018 HEALTH DEPT. 1/17/2018 Warning Violation of Group Insurance Guidelines
79 IRDA/TPA/MISC/ORD/011/01/2018 TPA(Intrme) 1/22/2018 Miscellaneous In the matter of M/s Happy Insurance TPA
Services Pvt. Ltd.
80 IRDA/INSP/ORD/RBSF/013/01/2018 INSPECTION 1/24/2018 Orders Formation of Implementation Committee
for Risk Based Supervisory Framework and
Organization Restructuring
81 IRDA/HLT/REG/CIR/015/02/2018 HEALTH DEPT. 2/2/2018 Regulations Modification of Annexure - 24 of Circular
Ref. No. IRDA/TPA/REG/CIR/059/03/2016
dated 28th March, 2016
82 IRDA/F&A/CIR/MISC/020/02/2018 Finance & Accounts 2/6/2018 Circular Transfer of Unclaimed amount to Senior
Citizens welfare fund
209ANNUAL REPORT 2017-18
Contd.. ANNEXURE 8
CIRCULARS/ORDERS/GUIDELINES/INSTRUCTIONS/MISCELLANEOUS
ISSUED FROM 01/04/2017 TO 31/03/2018
Sl.No. Reference Number Department Date of Issue Notification Type Subject
83 IRDA/LIFE/ORD/MISC/033/02/2018 LIFE 2/19/2018 Orders Final order in the matter of Kotak Mahindra
Bank Ltd.
84 IRDA/INT/CIR/INSRE/034/02/2018 INTERMEDIARIES DEPT. 2/20/2018 Circular Amendment to guidelines 34A of Insurance
Repositories and Electronic issuance of
Insurance Policies dt. 29th May 2015
85 IRDA/BRK/MISC/CIR/039/02/2018 BROKERS 2/26/2018 Miscellaneous Broker Regulations, 2018 - Clarification
86 IRDA/F&A/ORD/MISC/043/03/2018 Finance & Accounts 3/9/2018 Orders Order issued under section 102 of the
Insruance Act, 1938 read with sub-section
1 of section 14 of IRDA Act 1999 in the
matter of Reliance Nippon Life Insurance
Co. Ltd.
87 IRDA/NL/CIR/MISC/042/03/2018 NON LIFE 3/9/2018 Circular Closure/Dissolution of Corporate
Surveyors
88 IRDA/INT/MISC/ORD/044/03/2018 INTERMEDIARIES DEPT. 3/12/2018 Miscellaneous Order in the matter of M/s ET Insure
Insurance Web Aggregator Ltd.
89 IRDA/HLT/REG/CIR/046/03/2018 HEALTH DEPT. 3/19/2018 Regulations circular-health 19.03.2018
90 IRDA/HLT/MISC/ORD/048/03/2018 HEALTH DEPT. 3/20/2018 Miscellaneous Suspension of COR of E-Meditek Insurance
TPA Limited
91 IRDA/SDD/CIR/MISC/047/03/2018 SECTORAL DEVELOPMENT 3/20/2018 Circular The prevention of Money -Laundering
(Maintenance of Records) Second and
Seventh Amendment Rules, 2017
92 IRDA/F&A/CIR/MISC/052/03/2018 Finance & Accounts 3/27/2018 Circular Exemption of Reinsurance schmes, in
respect of specified insurance schemes,
from the purview of GST -Reg
93 IRDA/NL/NTFN/MOTP/053/03/2018 NON LIFE 3/28/2018 NOTIFICATION Order of IRDAI on Premium rates Motor
third Party Liability Insurance Cover for
FY 2018-19
210ANNUAL REPORT 2017-18
ANNEXURE 9
REGULATIONS FRAMED UNDER THE IRDA ACT, 1999 UP TO 31/03/2018#
Sl.No. Name of the Notification
1 IRDA (The Insurance Advisory Committee) (Meeting) Regulations, 2000
2 IRDA (Appointed Actuary) Regulations, 2000
3 IRDA (Actuarial Report and Abstract) Regulations,2000
4 IRDA (Licensing of Insurance Agents) Regulations, 2000
5 IRDA (Assets, Liabilities and Solvency Margin of Insurers) Regulations,2000
6 IRDA (General Insurance-Reinsurance) Regulations,2000
7 IRDA (Registration of Indian Insurance Companies) Regulations,2000
8 IRDA (Insurance Advertisements and Disclosure) Regulations,2000
9 IRDA (Obligations of Insurers to Rural Social Sectors) Regulations,2000
10 IRDA (Meetings) Regulations,2000
11 IRDA (Preparation of Financial Statements and Auditors' Report of Insurance Companies) Regulations, 2000
12 IRDA (Investment) Regulations,2000
13 IRDA (Conditions of service of Officers and other Employees) Regulations,2000
14 IRDA (Insurance Surveyors and Loss Assessors-Licensing, Professional Requirements and Code of Conduct)
Regulations,2000
15 IRDA (Life Insurance - Reinsurance) Regulations,2000
16 IRDA ( Investment) (Amendment) Regulations, 2001
17 IRDA (Third Party Administrators-Health Services) Regulations, 2001
18 IRDA ( Re-Insurance Advisory Committee) Regulations,2001
19 IRDA (Investments) (Amendment) Regulations, 2002
20 IRDA (Preparation of Financial Statements and Auditors' Report of Insurance Companies) Regulations, 2002
21 IRDA (Protection of Policyholders' Interests) Regulations,2002
22 IRDA (Insurance Brokers) Regulations,2002
23 IRDA (Obligations of Insurers to Rural Social Sectors) Regulations,2002
24 IRDA (Licensing of Corporate Agents) Regulations,2002
25 IRDA (Licensing of Insurance Agents) (Amendment) Regulations,2002
26 IRDA (Protection of Policyholders' Interests) (Amendment) Regulations,2002
27 IRDA (Manner of Receipt of Premium) Regulations,2002
28 IRDA (Distributions of Surplus) Regulations,2002
29 IRDA (Registration of Indian Insurance Companies) (Amendment) Regulations,2003
30 IRDA (Investment)(Amendment)Regulations,2004
31 IRDA (Qualification actuary) Regulations,2004
32 IRDA (Obligations of Insurers to Rural / Social Sectors) (Amendment) Regulations, 2004
33 IRDA (Micro Insurance) Regulations,2005
34 IRDA (Conditions of Service of Officers and other Employees) (Amendment) Regulations,2005
35 IRDA (Obligation of Insurers to Rural or Social Sectors) (Amendment) Regulations,2005
#Notified in the Gazette of India
211ANNUAL REPORT 2017-18
Contd.. ANNEXURE 9
REGULATIONS FRAMED UNDER THE IRDA ACT, 1999 UP TO 31/03/2018#
Sl.No. Name of the Notification
36 IRDA (Licensing of Insurance Agents)(Amendment) Regulations, 2007
37 IRDA (Licensing of Corporate Agents) (Amendment) Regulations, 2007
38 IRDA (Insurance Brokers) (Amendment) Regulations, 2007
39 IRDA (Obligation of Insurers to Rural or Social Sectors) (Third Amendment) Regulations,2008
40 IRDA (Obligation of Insurers to Rural or Social Sectors) (Fourth Amendment) Regulations,2008
41 IRDA (Registration of Indian Insurance Companies) (Second Amendment) Regulations,2008
42 IRDA (Conditions of service of Officers and other Employees) (Amendments) Regulations,2008
43 IRDA (Investment) (Fourth Amendment) Regulations,2008
44 IRDA (Sharing of Database for Distribution of Insurance Products) Regulations,2010
45 IRDA (Treatment of Discontinued Linked Insurance Policies) Regulations,2010
46 IRDA (Insurance Advertisements and Disclosure) (Amendment) Regulations, 2010
47 IRDA (Licensing of Corporate Agents) (Amendment) Regulations, 2010
48 IRDA (Scheme of Amalgamation and Transfer of General Insurance Business) 2011
49 IRDA (Issuance of Capital by Life Insurance Companies) Regulations, 2011
50 IRDA (Registration of Indian Insurance Companies) (Third Amendment) Regulations,2012
51 IRDA (Insurance Advisory Committee ( Meetings) ( First Amendment) Regulations. 2012
52 IRDA (Sharing of confidential information concerning domestic or foreign entity) Regulations, 2012
53 IRDA (Registration of Indian Insurance Companies) (Fourth Amendment) Regulations, 2013
54 IRDA (Appointed Actuary) (First Amendment) Regulations, 2013
55 IRDA (General Insurance - Reinsurance ) Regulations, 2013
56 IRDA (Insurance Brokers) (Second Amendment) Regulations, 2013
57 IRDA (Scheme of Amalgamation and Transfer of Life Insurance Business) Regulations, 2013
58 IRDA (Third Party Administrator-Health Services) (First Amendment) Regulations, 2013
59 IRDA (Standard Proposal Form for Life Insurance) Regulations, 2013
60 IRDA (Places of Business) Regulations, 2013
61 IRDA (Issuance of Capital by General Insurance Companies) Regulations, 2013
62 IRDA (Non-linked Insurance Products) Regulations, 2013
63 IRDA (Health Insurance) Regulations, 2013
64 IRDA (Linked Insurance Products) Regulations, 2013
65 IRDA (Investment) (Fifth Amendment) Regulations, 2013
66 IRDA (Life Insurance - Reinsurance) Regulations, 2013
67 IRDA (Insurance Surveyors and Loss Assessors - Licensing, Professional requirements and code of conduct)
(Amendment) Regulations,2013
68 IRDA (Licensing of Banks as Insurance Brokers) Regulations, 2013
69 IRDA (Web aggregators) Regulations,2013
70 IRDA (Meetings) (First Amendment) Regulations, 2013
71 IRDA IAC (Meetings) (Second Amendment) Regulations, 2013
#Notified in the Gazette of India
212ANNUAL REPORT 2017-18
Contd.. ANNEXURE 9
REGULATIONS FRAMED UNDER THE IRDA ACT, 1999 UP TO 31/03/2018#
Sl.No. Name of the Notification
72 IRDA (Insurance Brokers) Regulations, 2013
73 IRDA (TPA-Health Services) (Second Amendment) Regulations, 2013
74 IRDA (Registration of Indian Insurance Companies)(Fifth Amendment) Regulations, 2013
75 IRDA (Licencing of Insurance Agents) (Amendment) Regulations 2013
76 IRDA(Insurance Surveyors and Loss Assessors- Licensing, Professional requirements and code of conduct)
(Second Amendment) Regulations,2013
77 IRDA (Conditions of Service of Officers and Other Employees) (Third Amendment) Regulations, 2014
78 IRDA (Registration of Indian Insurance Companies) (Sixth Amendment) Regulations, 2014
79 IRDA (Health Insurance) (First Amendment) Regulations, 2014
80 IRDAI (Registration of Insurance Marketing Firm) Regulations, 2014
81 IRDAI (Micro Insurance) Regulations, 2015
82 IRDAI (Transfer of Equity Shares of Insurance Companies) Regulations, 2015
83 IRDAI (Fee for registering, cancellation or change of Nomination) Regulations, 2015
84 IRDAI (Fee for granting written acknowledgement of the receipt of Notice of Assignment or Transfer) Regulations,
2015
85 IRDAI (Obligation of Insurer in respect of Motor Third Party Insurance Business) Regulations,2015
86 IRDAI (Places of Business) Regulations, 2015
87 IRDAI (Maintenance of Insurance Records) Regulations, 2015
88 IRDAI (Registration of Corporate Agents) Regulations, 2015
89 IRDAI (Obligations of Insurers to Rural and Social sectors) Regulations, 2015
90 IRDAI ( Minimum Limits for Annuities and other Benefits) Regulations, 2015
91 IRDAI (Acquisition of Surrender and Paid up values) Regulations, 2015
92 IRDAI ( Insurance Services by Common Service Centres) Regulations, 2015
93 IRDAI (Registration and Operations of Branch Offices of Foreign Reinsurers other than Lloyd’s) Regulations,
2015.
94 IRDAI (Insurance Surveyors and Loss Assessors) Regulations, 2015
95 IRDAI( Insurance Advertisements and Disclosure) (Amendment) Regulations, 2015
96 IRDAI (Other Forms of Capital) Regulations, 2015
97 IRDAI (Issuance of Capital by Indian Insurance Companies transacting other than Life Insurance business)
Regulations, 2015
98 IRDAI (Issuance of Capital by Indian Insurance Companies transacting Life Insurance business) Regulations,
2015
99 IRDAI (Registration and Operations of Branch Offices of Foreign Reinsurers other than Lloyd’s) (First
Amendment) Regulations, 2016
100 IRDAI (Inspection and Fee for Supply of Copies of Returns) Regulations, 2015
101 IRDAI (Registration of Indian Insurance Companies) (Seventh Amendment) Regulations, 2016
102 IRDAI (Lloyd’s India) Regulations, 2016
103 IRDAI (TPA- Health Services) Regulations, 2016
#Notified in the Gazette of India
213ANNUAL REPORT 2017-18
Contd.. ANNEXURE 9
REGULATIONS FRAMED UNDER THE IRDA ACT, 1999 UP TO 31/03/2018#
Sl.No. Name of the Notification
104 IRDAI (Assets, Liabilities, and Solvency Margin of General Insurance Business) Regulations, 2016
105 "IRDAI (Qualification of Actuary) (Repeal) Regulations, 2016““"
106 IRDAI (Assets, Liabilities, and Solvency Margin of Life Insurance Business) Regulations, 2016
107 IRDAI ( Actuarial Report and Abstract for Life Insurance Business) Regulations, 2016
108 IRDAI (Appointment of Insurance Agents) Regulations, 2016
109 IRDAI ( Expenses of Management of Insurers transacting General or Health Insurance Business) Regulations,
2016
110 IRDAI (Loans or Temporary advances to the Full-time Employees of the Insurers) Regulations, 2016
111 IRDAI (Expenses of Management of Insurers transacting life insurance business) Regulations, 2016
112 IRDAI (General Insurance - Reinsurance) Regulations, 2016
113 IRDAI (Issuance of e-Insurance Policies) Regulations, 2016
114 IRDAI (Health Insurance) Regulations, 2016
115 IRDAI (Registration of Indian Insurance Companies) (Eighth Amendment) Regulations, 2016
116 IRDAI Staff (Officers and Other Employees) Regulations, 2016
117 IRDAI (Investment) Regulations, 2016
118 IRDAI (Issuance of e-insurance policies) (First Amendment) Regulations, 2016
119 IRDAI (Registration and Operations of Branch Offices of Foreign Reinsurers other than Lloyd’s) (Second
Amendment) Regulations, 2016
120 IRDAI (Payment of Commission or Remuneration or Reward to Insurance Agents and Insurance Intermediaries)
Regulations, 2016
121 IRDAI (Registration of Insurance Marketing Firm) (First Amendment) Regulations, 2016
122 IRDAI (Payment of commission or remuneration or reward to insurance agents and insurance intermediaries)
(First Amendment) Regulations, 2017
123 IRDAI(Insurance Web Aggregators) Regulations, 2017
124 IRDAI(Outsourcing of Activities by Indian Insurers) Regulations, 2017
125 IRDAI(Appointed Actuary) Regulations, 2017
126 IRDAI (Insurance Surveyors and Loss Assessors) (First Amendment) Regulations, 2017
127 IRDAI(Protection of Policyholders’ Interests) Regulations, 2017
128 IRDAI (Payment of commission or remuneration or reward to insurance agents and insurance intermediaries)
(Second Amendment) Regulations, 2017
129 IRDAI (Insurance Brokers) Regulations, 2018
130 IRDAI(Standard proposal form for Life Insurers) (Repeal) Regulations, 2018
#Notified in the Gazette of India
214ANNUAL REPORT 2017-18
ANNEXURE 10(i)
PENALTIES LEVIED BY THE AUTHORITY 2017-18
Sl. Name of the entity Amount of Date of issuance Brief particulars of the violation committed
No. Penalty (in `) of penalty order
1 Reliance Nippon Life Insurance Co Ltd `500000 21/12/2017 Violation of Regulation 6(2) of IRDA (Protection of Policyholders
Interests) Regulations 2002
2 Reliance Nippon Life Insurance Co Ltd 500000 09/03/2018 Contravention of the directions issued by the Authority vide ltr ref
no.446/6/F&A/EML/2011-12/223/2013-14 dated 12th March, 2014.
3 Magma HDI GIC Ltd 500000 05/04/2017 Violation of Circular ref no. IRDA/CIR/011/2003, dated 27-03-2003
4 Tata AIG GIC Ltd 2000000 17/04/2017 Violation of para 8.4 of Outsourcing guidelines, commission circulars,
circular ref.no. IRDA /Cir/011/2003 dated 27.03.2003 on solicitation
of business, Corporate agents Regulations and guidelines and F&U
guidelines.
5 Grand Insurance TPA(P) Ltd 100000 19/09/2017 Delay in filing of annual reports within referred timeline
6 Afro Asian Insurance & Reinsurance
Brokers (India) Pvt Ltd 500000 19/09/2017 Regulation 4 of IRDA(Insurance Brokers) Regulations, 2013
7 Almondz Reinsurance Brokers Pvt Ltd 500000 17/11/2017 Regulation 2(o) of IRDA (Insurance Brokers) Regulations, 2013
8 NetAmbit Insurance Broking India Ltd 2000000 10/01/2018 Clause 1 & 3(b) of Schedule VI-A under Regulation 28 of IRDA
(Insurance Brokers) Regulations, 2013
215ANNUAL REPORT 2017-18
ANNEXURE 10(ii)
PENALTIES LEVIED BY THE AUTHORITY 2017-18 (BROKERS)
Sl. Name of the entity Amount of Date of issuance Brief particulars of the violation committed
No. Penalty ` of penalty order
1 Abhivridhi Insurance Brokers Pvt Ltd `35000 31.05.2017 Penalty of Rs. 35,000 was imposed for violation of Reg. 14
of IRDA (Insurance Brokers) Regulations 2013
2 Emerge Insurance Broker and `10000 11.07.2017 Penalty of Rs.10,000 imposed for violation of Reg. 14 of
Consultancy Services Pvt. Ltd. IRDA (Insurance Brokers) Regulations 2013
3 APAC Insurance Broking Services (I) Pvt. Ltd `10000 11.07.2017 Penalty of Rs. 10,000 was imposed for violation of Reg. 14
of IRDA (Insurance Brokers) Regulations 2013
4 Astro Insurance Brokers Ltd. `85000 11.07.2017 Penalty of Rs. 85,000 was imposed for violation of Reg. 14
of IRDA (Insurance Brokers) Regulations 2013
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