Date: 2024-12-23 Category: Not Applicable State: Union Government Country: India

Annual Report 2023-24

Issued by Insurance Regulatory And Development Authority · Not Applicable

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Executive Summary & Key Takeaways

                    Here's the summary of the provided report:

**Executive Summary**

This document is the annual report for the period 2023-24 from the Insurance Regulatory and Development Authority of India (IRDAI). The report details the Authority's activities related to regulatory oversight, policy promotion, developmental initiatives, and organizational matters within the Indian insurance sector. It includes statistics and summaries of key performance indicators. A letter of transmittal indicates the report was sent to the Secretary, Department of Financial Services, Ministry of Finance, on November 14th, 2024.

**Key Points / Main Content**

*   **Policies and Programs:**
    *   Review of the general economic environment and appraisal of the insurance market.
    *   Policies and measures to develop the insurance market.
    *   Research and development activities undertaken by insurers.
    *   Reviews related to the protection of interests of policyholders, solvency margins of insurers, monitoring of reinsurance, and investments of insurers.
    *   Initiatives for health insurance, specified percentage of business in the rural and social sector, and accounts/actuarial standards.
    *   Issuance of directions, orders, and regulations by the Authority.
    *   Listing the powers and functions delegated by the Authority.
*   **Review of Working and Operations:**
    *   Details on the regulation of insurance and reinsurance companies, including comprehensive review and simplification of the regulatory framework.
    *   Information on insurance agents and intermediaries, professional institutes, litigations, appeals, court pronouncements, and international cooperation.
    *   Grievance redressal and functioning of advisory committees and ombudsman.
    *   Other activities with a bearing on the insurance market.
*   **Statutory and Developmental Functions of the Authority:**
    *   Issuance, renewal, modification, withdrawal, suspension, or cancellation of registration certificates.
    *   Protection of policyholders' interests in areas including policy assignment, nomination, insurable interest, claim settlement, and policy surrender value.
    *   Specification of qualifications, code of conduct, and practical training for intermediaries.
    *   Outlines for surveyors and loss assessors to promote efficiency.
    *   Promotion and regulation of professional organizations connected with insurance.
    *   Levying of fees and other charges.
    *   Calling for information, undertaking inspections, conducting enquiries.
    *   Control and regulation of rates, advantages, terms, and conditions.
    *   Specifying the form and manner in which books of accounts shall be maintained.
    *   Regulating investment of funds by insurance companies and maintenance of solvency.
    *   Adjudication of disputes and percentage of life insurance and general insurance business to be undertaken by insurers in the rural and social sector.
*   **Organizational Matters:**
    *   Details about the organization of IRDAI, including the names and roles of its members, including full-time and part-time.
    *   Information on Human Resources
    *   Promotion of Official Language
    *   Information Technology details
    *   Accounts and Acknowledgements

**Impact Analysis**

*   **Policyholders:**
    *   **Impact:** Better protection of interests, prompt grievance redressal, wider choices of products, and fair treatment during solicitation and claim settlement.
    *   **Action Required:** Be aware of rights, utilize grievance mechanisms, and provide feedback to improve services.
*   **Insurers:**
    *   **Impact:** Streamlined regulations, enhanced operational flexibility, and clarified guidelines for various processes, creating a more business-friendly environment.
    *   **Action Required:** Implement changes to comply with new regulations, adapt to evolving market dynamics, and participate in industry initiatives.
*   **Insurance Intermediaries (Agents, Brokers, etc.):**
    *   **Impact:** Clearer guidelines, training requirements, and ethical standards for conducting business, which help in promoting professionalism.
    *   **Action Required:** Comply with regulations, participate in training programs, and adhere to ethical standards.
*   **Government:**
    *   **Impact:** Enhanced insurance penetration and contribution to economic development, increased financial literacy, and a more regulated and transparent insurance sector.
    *   **Action Required:** Collaborate with IRDAI on policy initiatives, promote awareness programs, and oversee compliance within the insurance sector.
*   **Reinsurers:**
    *   **Impact:** Clearer guidelines for transacting reinsurance business and adherence to regulations.
    *   **Action Required:** Ensure compliance with regulations, participate in industry initiatives, and adapt to evolving market landscape.
                

Key Entities Referenced

Insurance Regulatory and Development Authority Act, 1999: The key legislation governing insurance regulation in India, frequently referenced in the report. IRDAI (Insurance Products) Regulations, 2024: A regulation mentioned within the report aimed at providing unified frameworks to insurance products IRDAI: The primary insurance regulator in India, responsible for overseeing and developing the insurance market. Hyderabad: The city where the head office of IRDAI is located. Insurance Act, 1938: Another key piece of legislation for insurance referenced in the report.

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2023-24
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H$m`©àUmbr Am¡a n[aMmbZmo H$s g_rjm
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III.7 A{Y{Z`_ Ho$ à`moOZm| Ho$ H$m`m©Ýd`Z Ho$ {bE ewëH$ Am¡a AÝ` à^mam| H$s CJmhr 116
III.8 ~r_mH$Vm©Am|, _Ü`d{V©`m|, ~r_m _Ü`d{V©`m| Am¡a ~r_m ì`dgm` go g§~Õ AÝ` g§JR>Zm|
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gmaUr
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gmaUr I.2 ^maV Ho$ amï´>r` Am` AZw_mZ 8
gmaUr I.3 Am{W©H$ J{V{d{Y Ûmam gH$b _yë` d{Y©V (OrdrE) H$m AZw_mZ 8
gmaUr I.4 Kaoby joÌ H$s {dÎmr` ~MV 10
gmaUr I.5 2023 _| {dœ _| joÌ dma dmñV{dH$ àr{_`_ _| d¥{Õ 11
gmaUr I.6 2023 _| {dœ _| joÌ dma àr{_`_ H$s _mÌm 11
gmaUr I.7 ~r_m ì`mnZ ^maV ~Zm_ {dœ (à{VeV) 12
gmaUr I.8 ~r_m gKZVm ^maV ~Zm_ {dœ (A_o[aH$s S>mba) 12
ixgmaUr I.9 OrdZ ~r_mH$Vm©Am| H$m ì`mdgm{`H$ H$m`©{ZînmXZ 15
gmaUr I.10 OrdZ ~r_mH$Vm©Am| H$m {dÎmr` H$m`©{ZînmXZ 17
gmaUr I.11 OrdZ ~r_mH$Vm©Am| Ho$ dmñV{dH$ _¥Ë`w Xmdo 18
gmaUr I.12 gmYmaU, ñdmñÏ` Am¡a {deofrH¥$V ~r_mH$Vm©Am| H$m ì`mdgm{`H$ H$m`©{ZînmXZ 19
gmaUr I.13 gmYmaU, ñdmñÏ` Am¡a {deofrH¥$V ~r_mH$Vm©Am| Ho$ {dÎmr` H$m`©{ZînmXZ g§Ho$VH$ 21
gmaUr I.14 gmYmaU, ñdmñÏ` Am¡a {deofrH¥$V ~r_mH$Vm©Am| H$m I§S>-dma CnJV Xmdm AZwnmV 22
gmaUr I.15 gmYmaU ~r_m H§$n{Z`m| Ûmam ^wJVmZ {H$E JE ì`dgm`-dma Xmdo 23
(ñdmñÏ` ~r_m ì`dgm` H$mo N>mo‹S>H$a)
gmaUr I.16 OrdZ ~r_mH$Vm©Am| Ho$ H$m`m©b` 23
gmaUr I.17 gmYmaU, ñdmñÏ` Am¡a {deofrH¥$V ~r_mH$Vm©Am| Ho$ H$m`m©b` 24
gmaUr I.18 n§OrH¥$V ~r_mH$Vm© Am¡a nwZ~u_mH$Vm© H$s g§»¶m 25
gmaUr I.19 gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm©Am| Ûmam nwZ~u_m ñWmZZ 35
gmaUr I.20 gH$b àr{_`_ Ho$ à{VeV Ho$ ê$n _| gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm©Am| H$m {Zdb à{VYmaU 36
gmaUr I.21 ~r_m CÚmoJ ‘o {Zdoe 37
gmaUr I.22 31 _mM© VH$ OrdZ ~r_mH$Vm©Am| Ho$ {Zdoe - loUr dma 38
gmaUr I.23 OrdZ ~r_mH$Vm©Am| Ho$ {Zdoe… {Z{Y-dma (31 _mM© H$mo) 39
gmaUr I.24 gmYmaU, ñdmñÏ`, {deofrH¥$V ~r_mH$Vm©Am| Ho$ {Zdoe 39
gmaUr I.25 gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm©Am| Ûmam OmopI_-A§{H$V ñdmñÏ` ~r_m àr{_`_ 40
gmaUr I.26 gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm©Am| Ho$ ñdmñÏ` ~r_m ì`dgm` Ho$ A§VJ©V nm{b{g`m±,
H$da {H$`o J`o OrdZ, Am¡a àr{_`_ 41
gmaUr I.27 gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm©Am| Ho$ ñdmñÏ` ~r_m ì`dgm` Ho$
A§VJ©V CnJV Xmdm AZwnmV 42
gmaUr I.28 gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm©Am| Ho$ ñdmñÏ` ~r_m ì`dgm` Ho$
A§VJ©V ^wJVmZ {H$`o J`o Xmdo (2023-24) 43
gmaUr I.29 gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm©Am| Ho$ ñdmñÏµ`
~r_m ì`dgm` Ho$ A§VJ©V Xmdm| H$s pñW{V (2023-24) 43
gmaUr I.30 OrdZ ~r_mH$Vm©Am| Ho$ ñdmñÏ` ~r_m ì`dgm` Ho$ A§VJ©V nm{b{g`m| H$s g§»`m,
H$da {H$`o J`o OrdZ, àr{_`_ 44
gmaUr I.31 OrdZ ~r_mH$Vm©Am| Ho$ ñdmñÏ` ~r_m ì`dgm` Ho$ A§VJ©V Xmdm| H$s pñW{V 45
gmaUr I.32 d¡`{º$H$ XþK©Q>Zm ~r_m Ho$ A§VJ©V ì`dgm` 45
gmaUr I.33 gaH$ma àm`mo{OV d¡`{º$H$ XþK©Q>Zm `moOZmAm| Ho$ A§VJ©V H$daoO (2023-24) 46
gmaUr I.34 gr_mnma `mÌm ~r_m Ho$ A§VJ©V ì`dgm` 46
gmaUr I.35 Xoer `mÌm ~r_m Ho$ A§VJ©V ì`dgm` 46
gmaUr I.36 ^maV Ho$ ~mha OmopI_-A§{H$V ñdmñÏ`, d¡`{º$H$ XþK©Q>Zm Am¡a `mÌm ~r_m ì`dgm` 47
x^mJ II
gmaUr II.1 OrdZ, gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm©Am| Ho$ gmW g§~Õ ~r_m EO|Q> 72
gmaUr II.2 OrdZ, gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm©Am| Ho$ gmW g§~Õ ~r_m EO|Q>m| H$m qbJ-dma {dVaU 73
gmaUr II.3 ~r_m ì`dgm` _| g{H«$` H$m°nm}aoQ> EO|Q> 74
gmaUr II.4 OrdZ ~r_m joÌ _| gyú_ ~r_m ì`dgm` H$m H$m`©{ZînmXZ (2023-24) 75
gmaUr II.5 OrdZ ~r_mH$Vm©Am| Ho$ gyú_ ~r_m EO|Q> 75
gmaUr II.6 Omar H$s JB© gyú_ ~r_m nm°{b{g`m| H$s g§»`m 76
gmaUr II.7 VXZwê$nr àm`moOH$ EO|{g`m| Ho$ nmg nrAmoEgnrEg H$s g§»`m 77
gmaUr II.8 {d{^Þ àm`moOH$ EO|{g`m| Ho$ gmW E_AmB©Egnr H$s g§»`m 78
gmaUr II.9 OrdZ ~r_m _| _Ü`d{V©`m| H$m ì`mdgm{`H$ H$m`©{ZînmXZ (2023-24) 81
gmaUr II.10 gmYmaU ~r_mH$Vm©Am| Ho$ gmW g§~Õ ~r_m EO|Q>m| Am¡a _Ü`d{V©`m|
H$m ì`mdgm{`H$ H$m`©{ZînmXZ (2023-24) 82
gmaUr II.11 ñdmñÏ` ~r_m (d¡`{º$H$ XþK©Q>Zm Am¡a `mÌm H$mo N>mo‹S>H$a) _| _Ü`d{V©`m| Am¡a
~r_m EO|Q>m| H$m ì`mdgm{`H$ H$m`©{ZînmXZ 83
gmaUr II.12 AmB©AmB©~r Ho$ CËnmX 86
gmaUr II.13 2023-24 Ho$ Xm¡amZ XO© _m_bm| H$m {ddaU 87
gmaUr II.14 2023-24 Ho$ Xm¡amZ {ZnQ>m`o J`o / Im[aO {H$`o J`o _m_bm| H$m {ddaU… 87
gmaUr II.15 2023-24 Ho$ Xm¡amZ n§OrH¥$V {eH$m`Vm| H$m {dûcofU 92
gmaUr II.16 OrdZ ~r_mH$Vm©Am| Ho$ {déÕ XO© AZw{MV ì`mnma nÕ{V`m| (`yE\$~rnr) g§~§Yr {eH$m`V| 92
gmaUr II.17 ~r_m ^amogm nmoQ>©b Ho$ AZwgma {eH$m`Vm| H$s pñW{V 93
gmaUr II.18 S>rEAmanrOr nmoQ>©b _| n§OrH¥$V Am¡a AmB©AmaS>rEAmB© H$mo g§X{^©V {eH$m`V| 95
gmaUr II.19 {eH$m`Vm| H$s b§{~V pñW{V 95
^mJ III
gmaUr III.1 2023-24 Ho$ Xm¡amZ g§nÞ Am°Z-gmBQ> Am¡a XÿañW {ZarjU [anmoQ>© 118
gmaUr III.2 {d{Z`m_H$ H$ma©dmB`m| H$m {ddaU 118
xi^mJ IV
gmaUr IV.1 31 _mM©, 2024 H$mo àm{YH$aU H$s g§aMZm 126
gmaUr IV.2 àm{YH$aU H$s ~¡R>H$m| H$m {ddaU 126
gmaUr IV.3 2023-24 Ho$ Xm¡amZ Am`mo{OV Am¡a àm{YH$aU Ho$ àË`oH$ gXñ` Ûmam
CnpñWV ~¡R>H$m| H$m {ddaU 126
gmaUr IV.4 AmB©AmaS>rEAmB© _| ñdrH¥$V Am¡a dmñV{dH$ ñQ>m\$ g§»`m 127
gmaUr IV.5 AmB©AmaS>rEAmB© _| loUr-dma ñQ>m\$ g§»`m 127
gmaUr IV.6 AmB©AmaS>rEAmB© _| ñQ>m\$ H$m Am`w-dma {dVaU 128
gmaUr IV.7 AmB©AmaS>rEAmB© _| J«oS>-dma ñQ>m\$ g§»`m 128
MmQ>©
I.1 2023-24 _| dV©_mZ H$s_Vm| na OrdrE _| joÌm| Ho$ à{VeV A§e 9
I.2 ^maVr` AW©ì`dñWm _| Kaoby ~MV (gH$b amï´>r` à`moÁ` Am` H$m à{VeV) 9
I.3 ^maV _| ~r_m ì`mnZ 12
I.4 ^maV _| ~r_m gKZVm (A_o[aH$s S>mba) 13
I.5 2023 _| M`{ZV Xoem| _| ~r_m ì`mnZ (à{VeV _|) 13
I.6 M`{ZV Xoem| _| ~r_m gKZVm 2023 (A_o[aH$s S>mba) 13
I.7 OrdZ ~r_mH$Vm©Am| H$m Z`m ì`dgm` àr{_`_ (H$amo‹S> én`o) 13
I.8 OrdZ ~r_mH$Vm©Am| H$m ZdrH$aU àr{_`_ (H$amo‹S> én`o) 14
I.9 OrdZ ~r_mH$Vm©Am| H$m Hw$b àr{_`_ (H$amo‹S> én`o) 14
I.10 OrdZ ~r_m àr{_`_ _| I§S>-dma {hñgoXmar 14
I.11 OrdZ ~r_mH$Vm©Am| H$m H$a Ho$ ~mX bm^ (é. H$amo‹S>) 16
I.12 OrdZ ~r_mH$Vm©Am| Ûmam àXÎm bm^ (é. H$amo‹S>) 18
I.13 J¡a-OrdZ ~r_mH$Vm©Am| Ûmam ^maV _| OmopI_-A§{H$V àr{_`_ (é. H$amo‹S>) 19
I.14 gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm©Am| Ho$ n[aMmbZ ì`` (é. H$amo‹S>) 20
I.15 gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm©Am| Ho$ {Zdb CnJV Xmdo (é. H$amo‹S>) 22
I.16 {dÎm df© 2023-24 Ho$ Xm¡amZ gm_mÝ` ~r_m H§$n{Z`m| Ûmam ^wJVmZ {H$E JE Xmdo
(ñdmñÏ` ~r_m ì`dgm` H$mo N>mo‹S>H$a) 22
I.17 OrdZ ~r_mH$Vm©Am| Ho$ H$m`m©b`m| H$m ñVa-dma {dVaU 24
xiiI.18 J¡a-OrdZ ~r_mH$Vm©Am| Ho$ H$m`m©b`m| H$m ñVa-dma {dVaU 24
I.19 E\$Ama~r g{hV nwZ~u_mH$Vm©Am| H$m gH$b nwZ~u_m àr{_`_ 35
I.20 ñdmñÏ` ~r_m Ho$ àr{_`_ _| joÌ-dma A§e (2023-24) 40
I.21 ñdmñÏ` ~r_m àr{_`_ H$s àd¥{Îm (d¡`{º$H$ XþK©Q>Zm Am¡a `mÌm ~r_m H$mo N>mo‹S>H$a) 41
I.22 d¡`{º$H$ XþK©Q>Zm Am¡a `mÌm H$mo N>mo‹S>H$a ñdmñÏ` ~r_m (2023-24)
Ho$ A§VJ©V H$da {H$`o J`o OrdZ (bmI _|) Am¡a àr{_`_ 41
I.23 ñdmñÏ` ~r_m Ho$ A§VJ©V {Zdb CnJV Xmdo 42
I.24 ñdmñÏ` ~r_m Ho$ A§VJ©V CnJV Xmdm AZwnmV H$s àd¥{Îm… joÌ-dma 42
I.25 ñdmñÏ` ~r_m Ho$ A§VJ©V CnJV Xmdm AZwnmV H$s àd¥{Îm… I§S>-dma 42
I.26 OrdZ ~r_mH$Vm©Am| H$m ñdmñÏ` ~r_m àr{_`_ 44
II.1 OrdZ ~r‘m ì¶dgm¶ ‘| ‘mÜ¶‘-dma d¡¶{º$ Z¶m ì¶dgm¶ H$m¶©{ZînmXZ 81
II.2 OrdZ ~r‘m ì¶dgm¶ ‘| ‘mÜ¶‘-dma gm‘y{hH$ Z¶m ì¶dgm¶ H$m¶©{ZînmXZ 82
II.3 OrdZ ~r‘m ì¶dgm¶ H$m ‘mÜ¶‘-dma H$m¶©{ZînmXZ 83
II.4 ñdmñÏ¶ ~r‘m ì¶dgm¶ H$m ‘mÜ¶‘-dma H$m¶©{ZînmXZ (2023-24) 84
II.5 OrdZ ~r‘m g§~§Yr {eH$m¶m| H$m dJuH$aU 94
II.6 gmYmaU Am¡a ñdñÏ¶ ~r‘m g§~§Yr {eH$m¶Vm| H$m dJuH$aU 94
IV.1 AmB©AmaS>rEAmB© ‘| J«oS>-dma ñQ>m’$ g§»¶m 128
H$WZ
1 ~r_m n¡R> H$s A§Vam©ï´>r` VwbZm 137
2 ~r_m KZËd H$s A§Vam©ï´>r` VwbZm 138
3 OrdZ ~r_mH$Vm©Am| Ûmam {bpIV àr{_`_ (^maV Ho$ A§Xa) 139
4 2023-24 Ho$ {bE OrdZ ~r_m H§$n{Z`m| H$m g§~Õ Am¡a Ag§~Õ àr{_`_ 140
5 OrdZ ~r_mH$Vm©Am| H$m I§S>dma Hw$b àr{_`_ 141
6 OrdZ ~r_mH$Vm©Am| H$s B{¹$Q>r eo`a ny§Or 142
7 gmYmaU Ed§ ñdmñÏ` ~r_m H§$n{Z`m| H$m gH$b àË`j àr{_`_ (^maV Ho$ ^rVa Ed§ ~mha) 143
8 gmYmaU Ed§ ñdmñÏ` ~r_m H§$n{Z`m| H$s I§S>dma gH$b àË`j àr{_`_ Am` (^maV Ho$ ^rVa) 144
9 gmYmaU ñdmñÏ` Am¡a nwZ~u_m H§$n{Z`m| H$s B{¹$Q>r eo`a ny§Or 146
xiii10 gmYmaU ñdmñÏ` Am¡a nwZ~u_m H§$n{Z`m| H$s B{¹$Q>r eo`a ny§Or 148
11 OrdZ ~r_m H§$n{Z`m| H$s emoYZ j_Vm H$s pñW{V 149
12 gmYmaU, ñdmñÏ` Am¡a nwZ~u_m H§$n{Z`m| H$m emoYZ j‘Vm H$s pñWVr 150
13 {dXoer nwZ~u_mH$Vm©Am| H$s emImAm| emoYZ j‘Vm 151
14 E\$Ama~r g{hV nwZ~u_mH$Vm©Am| H$m gH$b nwZ~u_m àr{_`_ (H$amo‹S> _|) 152
15 {dXoer nwZ~u_mH$Vm©Am| H$s emImAm| H$s Amd§{Q>V ny§Or 153
16 OrdZ ~r_m H§$n{Z`m| Ho$ à~§YZ Ho$ VhV AmpñV¶m± (31 ‘mM© VH$) 154
17 gmYmaU, ñdmñÏ`, {d{eï> Ed§ nwZ~u_mH$Vm©Am| Ho$ à~§YZ Ho$ AYrZ n[ag§n{Îm`m§ (31 _mM© VH$) 157
AZw~§Y
1 ^maV _| H$m`©aV n§OrH¥$V ~r_mH$Vm©Am|/nwZ~u_mH$Vm©Am| H$s gyMr (31 _mM© 2024 VH$) 161
2(i) ^maVr` ~mOma _| AmV§H$dmX OmopI_ ~r_m nyb _| gXñ`m| H$s {hñgoXmar 163
2(ii) ^maVr` na_mUw ~r_m nyb _| gXñ`m| H$m {hñgm 164
2(iii) g_wÐr H$mJm} ~{hîH¥$V joÌ nyb _| gXñ`m| H$m {hñgm 165
3 _moQ>a Q>rnr Xm{`Ëdm| H$s JUZm Ho$ {bE So>Q>m (2024-25) 166
4 01 Aà¡b 2023 go 31 _mM© 2024 VH$ Omar n[anÌ/AmXoe/{Xem{ZX}e/{ZX}e 167
5 ~r‘m A{Y{Z¶‘, 1938 Am¡a AmB©AmaS>rE A{Y{Z¶‘, 1999 Ho$ VhV
31 ‘mM©, 2024 VH$ ~ZmE JE {Z¶‘ 170
6 OrdZ ~r_m H§$n{Z`m| Ûmam noe {H$E OmZo dmbo gyú_ ~r_m CËnmXm| H$s gyMr
(31 _mM© 2024 VH$) 175
7 2023-24 Ho$ Xm¡amZ CËnmXm| Am¡a amBS>g© H$s g§»`m 176
8 ~r_mH$Vm©Am| Am¡a _Ü`ñWm| Ho$ {bE ewëH$ g§aMZm Am¡a 2023-24 _| EH${ÌV ewëH$ 177
9 {dÎm df© 2023-24 Ho$ Xm¡amZ àm{YH$aU Ûmam bJmE JE Ow_m©Zo 179
10(i) ^maVr` Amœm{gV OrdZ _¥Ë`w Xa (AmB©EEbE_) 2012-14 _mZH$ Xa|-nwéf 180
~r_mH¥$V OrdZ Omo àma§^ _| {M{H$ËgH$s` ê$n go {bpIV hmoVo h¢
10(ii) ^maVr` d¡`{º$H$ dm{f©H$sJ«mhr H$s _¥Ë`w Xa Vm{bH$m (2012-15) g_J« / g§`wº$ _¥Ë`w Xa 181
11 Q>rnrE-dma ZoQ>dH©$ g_Pm¡Vo 183
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EE\$AmBA© ma : E{e`mB © ~r_m {d{Z`_ZH$Vm © _M§
EE_Eb : YZ-emYo Z {ZdmaU
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gr~rAma : gr_mnma nZw ~u_mH$Vm©
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grAmBA© mB© : ^maVr` CÚmJo n[agK§
grAmAo ma : nO§ rH$aU à_mUnÌ
grnrAmBA© mo : H$|Ðr` OZ gMy Zm A{YH$mar
grnrEggr : gm_mÝ` bmHo $ gdo m H$oÝÐ
grEggr : gm_mÝ` gdo m H$oÝÐ
S>rEAmanrOr : àemg{ZH$ gYw ma Ama¡ bmHo $ {eH$m`V {d^mJ
S>rE\$Eg : {dÎmr` gdo mE ± {d^mJ
E\$EE : àW_ Anrbr` àm{YH$mar
E\$EQ>rE\$ : {dÎmr` H$m`d© mhr H$m` © ~b
{\$¸$s : \$oS>aeo Z Am\° $ B{§S>`Z M~¢ g © Am\° $ H$m_° g © ES§ > BS§ >ñQ>´r
E\$AmB`© -y AmBE© ZS>r : {dÎmr` AmgMy Zm BH$mB © - ^maV
E\$Ama~r : {dXeo r nZw ~u_mH$Vm © emIm
E\$AmaEZ : \$mBqbJ gX§ ^ © g»§ `m
E\$Eg~r : {dÎmr` pñWaVm ~mSo >©
Or.S>r.nr : gH$b Kaoby CËnmX
OrEZS>rAmB© : gH$b amï>´r` à`mÁo ` Am`
OrdrE : gH$b _ëy ` d{YV©
AmBE© gr : ~r_m gbmhH$ma g{_{V
AmBE© AmBE© g : AV§ aamï>´r` ~r_m n`d© jo H$ gK§
AmBg© rAma : CnJV Xmdm AZnw mV
AmBE© \$AmaEg : AV§ amï© >´r` {dÎmr` [anm{oQ>ªJ _mZH$
AmBO© rgrgr : AmBA© maS>rEAmB © {eH$m`V H$mb° gQ| >a
AmBO© rE_Eg : g_pÝdV {eH$m`V à~Y§ àUmbr
xvAmBA© mB~© r : ^maVr` ~r_m gMy Zm ã`ay mo
AmBA© mBA© mBE© gEb E : ^maVr` ~r_m gdj} H$ Ama¡ hm{Z {ZYma© H$ gñ§ WmZ
AmBA© mBA© maE_ : ~r_m Ama¡ OmpoI_ à~Y§ Z gñ§ WmZ
AmBE_grgr : AV§ a-_Ì§ mb`r g_Ýd` g{_{V
AmBE© _E\$ : ~r_m {dnUZ H$§n{Z`m±
AmBE© ZE\$B© : {dÎmr` {ejm g~§ Y§ r AV§ aamï>´r` ZQo >dH$©
AmBA© magrQ>rgr : ^maVr` abo d o ImZnmZ Ed § n`Q© >Z {ZJ_
AmBA© maS>rEAmB© : ^maVr` ~r_m {d{Z`m_H$ Ama¡ {dH$mg àm{YH$aU
AmBE© ZdrAmBQ© >r : B\§ $«mñQ>´ŠMa BÝdño Q>_Q| > Q>´ñQg²
H$oE_nr : à_Iw à~Y§ H$s` H$m{_H© $
H$odmBg© r : AnZ o Jm«hH$ H$m o Om{ZE
EbnrE : bQo >a nQo >Q| > Anrb|
E_EgrQ>r : _mQo >a XKþ Q© >Zm Xmdm Ý`m`m{YH$aU
E_E\$AmB© : gúy _ {dÎm gñ§ WmZ
E_AmBE© gnr : _mQo >a ~r_m gdo m àXmVm
E_AmAo maQ>rEM : gS‹ >H$ n[adhZ Ama¡ amO_mJ © _Ì§ mb`
EZ~rE\$gr : Ja¡ -~q¢H$J {dÎmr` H$§nZr
EZgrS>rAmagr : amï>´r` Cn^mºo $m {ddmX {ZdmaU Am`mJo
EZOrAmo : J¡a gaH$mar g§JR>Z
EZAmgo r : AZmn{Îm à_mUnÌ
EZEgAmo : amï>´r` gmp§»`H$s` gJ§ R>Z
AmBo g© rS>r : Am{WH© $ gh`mJo Ama¡ {dH$mg gJ§ R>Z
AmEo _Amno r : EH$ Ama¡ {dH$ën `mOo Zm
nrE_-OEo dm` : àYmZ_Ì§ r OZ Amam½o` `mOo Zm
nrE_E\$~rdmB© : àYmZ_Ì§ r \$gb ~r_m `mOo Zm
nrE_OSo >rdmB© : àYmZ_Ì§ r OZYZ `mOo Zm
nrE_OOo ~o rdmB© : àYmZ_Ì§ r OrdZ Á`m{oV ~r_m `mOo Zm
nrE_EbE : YZ emYo Z {ZdmaU A{Y{Z`_
xvinrE_Eg~rdmB : àYmZ_Ì§ r gaw jm ~r_m `mOo Zm
nrE_drdrdmB© : àYmZ_Ì§ r d` dX§ Zm `mOo Zm
nrAmEo gnr : {~H$«s H$oÝÐ {dH$o«Vm
nrEg`y : gmdO© {ZH$ jÌo H$m CnH$«_
AmaEnr : J«m_rU àm{YH¥$V ì`{º$
Ama~rAmB© : ^maVr` [aOd © ~H¢ $
Ama~rEgE\$ : OmpoI_ AmYm[aV n`d© jo r T>mM§ m
Ama~rgr : OmpoI_ AmYm[aV nO§y r
AmaBA© mBQ© >r : [a`b EñQ>Qo > {Zdeo Q>´ñQ>
AmaEgE_ : An{ojV emYo Z j_Vm _m{OZ©
AmaQ>rAmB© : gMy Zm H$m A{YH$ma
EgEEMAmB© : ñQ>S¢ >-AbmZo ñdmñÏ` ~r_mH$Vm©
EggrS>rAmagr : amÁ` Cn^mºo $m {ddmX {ZdmaU Am`mJo
g~o r : ^maVr` à{V^{yV Ed § {d{Z_` ~mSo >©
EgEMOr : ñd` § ghm`Vm g_hy
EgEbE : gdj} H$ Ama¡ hm{Z {ZYma© H$
Egnrdr : {defo à`mOo Z _mÜ`_
Q>rAmEo bAmBg© r : ZJa amO^mfm H$m`mÝ© d`Z g{_{V
Q>rnrE : AÝ` nj à~Y§ H$
`Ey \$~rnr : AZ{wMV ì`dgm` nÕ{V`m/± àWmE±
`Ey bAmBn© r : `{yZQ> gh~Õ CËnmX
`yEgS>r : A_arH$s S>mba
drEbB© : Jm«_ ñVar` CÚ_r
xvii{_eZ dº$ì`
(cid:57) nm{° bgrYmaH$m | H$o {hVm | H$s ajm H$aZm VWm CZH$o gmW C{MV ì`dhma g{w Z{üV H$aZm;
(cid:57) ~r_m CÚmJo (dm{fH© $s VWm gdo m{Zd{¥ Îm ^Jw VmZ g{hV) H$m VOo r g o VWm ì`dpñWV {dH$mg
H$aZm, Am_ AmX_r H$o bm^ H$o {bE VWm AWì© `dñWm H$o {dH$mg _ | VOo r bmZ o H$o {bE
XrKH© $m{bH$ {Z{Y CnbãY H$amZm;
(cid:57) BgH$o Ûmam {d{Z`{_V ì`{º$`m | H$s B_© mZXmar, {dÎmr` gÑw T‹ >Vm, {Zînj ì`dhma VWm j_Vm H$o
Cƒ _mZH$m | H$m o ñWm{nV H$aZm, ~T‹ >mdm XZo m, {ZJamZr H$aZm VWm bmJ y H$aZm;
(cid:57) dmñV{dH$ Xmdm | H$m erK « {ZnQ>mZ g{w Z{üV H$aZm, ~r_m YmIo mYS‹ >r VWm AÝ` H$XmMmam | H$mo
amHo $Zm VWm à^mdr {eH$m`V {ZdmaU VÌ§ ñWm{nV H$aZm;
(cid:57) ~r_m g o g~§ {§ YV {dÎmr` ~mOmam | _ | {ZînjVm, nmaX{eV© m VWm ì`dpñWV AmMaU H$m o ~T‹ >mdm
XZo m VWm ~mOma gh^m{J`m | H$o ~rM {dÎmr` gÑw T‹ >Vm H$o Cƒ _mZH$m | H$m o bmJ y H$aZ o H$o {bE EH$
{dœgZr` à~Y§ Z gMy Zm àUmbr H$m {Z_mU© H$aZm;
(cid:57) Ego o _mZH$m | H$o An`má© hmZo o `m Aà^mdr ê$n g o bmJ y {H$E OmZ o na H$mad© mB © H$aZm;
(cid:57) CÚmJo H$o {XZ-à{V{XZ H$o H$m_H$mO _ | {ddHo $nUy © {d{Z`_Z H$s Amdí`H$VmAm | H$o AZêw $n
A{YH$V_ _mÌm _ | ñd-{Z`_Z bmZm&
xix^maVr¶ ~r‘m {d{Z¶m‘H$ Am¡a {dH$mg àm{YH$aU
AÜ¶j lr Xo~merf nÊS>m
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OrdZ lr ~r. gr. nQ>Zm¶H$
(1 ‘B© 2023 go)
{dÎm Ed§ {Zdoe lr amHo$e Omoer
(1 {Xg§~a, 2023 VH$)
lr amO¶ Hw$‘ma {gÝhm
(24 OZdar 2024 go)
{dVaU lr‘Vr Eg.EZ. amOoídar
(3 ‘mM© 2024 VH$)
lr gË¶OrV {ÌnmR>r
(24 ‘B©, 2024 go)
J¡a-OrdZ lr Wm°‘g E‘.Xodm{g¶m
(11 OwbmB© 2024 VH$)
lr XrnH$ gyX
(12 AJñV 2024 go)
A§eH$m{bH$ gXñ¶
lr gw{MÝÐ {‘lm
(27 OyZ, 2023 VH$)
S>m°. ‘mé{V àgmX V§{Jambm
(28 OyZ, 2023 go)
grE A{ZHo$V gwZrb VbmQ>r
(11 ’$adar, 2024 VH$)
grE a§OrV Hw$‘ma AJ«dmb
(12 ’$adar, 2024 go)
xxi^m.~r.{d.{d.àm. Ho$ d[að> A{YH$mar
(31 ‘mM©, 2024 VH$)
H$m`©H$mar {ZXoeH$
lr gwaoe _mWwa Am{W©H$ Ed§ Zr{V {dûcofU Ed§ AZwg§YmZ (31.01.2024 VH$)
lr aUXrn qgh OJnmb J¡a-OrdZ
S>m°. __Vm gyar {dÎm Ed§ {Zdoe VWm Am§V[aH$ boIm narjm (30.11.2023 VH$)
lr_Vr Oo. _rZm Hw$_mar OrdZ Ed§ n`©dojU
lr E.Ama. {Z{W`mZmW_ H$mZyZr
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lr Eg. EZ. O`{gåhZ Am{W©H$ Ed§ Zr{V {dûcofU Ed§ AZwg§YmZ (31.12.2023 VH$)
lr E. a_Zm amd ñdmñÏ` ~r_m
lr Eg.nr. MH«$dVu EŠMw[a`b
lr amO Hw$_ma e_m© nm°{bgrYmaH$ g§ajU Ed§ {eH$m`V {ZdmaU, àdV©Z Ed§ AZwnmbZ
lr S>r.dr.Eg. a_oe ~r_m g_mdoeZ Ed§ {dH$mg
lr Or.Ama. gy`©Hw$_ma {dÎm Ed§ {Zdoe
lr nr.Eg. OJÞmW_ gm_mÝ` àemgZ Ed§ _mZd g§gmYZ
lr_Vr AZrVm Omoñ`wbm _Ü`ñW
lr gwXrá ^Å>mMm`© _Ü`ñW
lr Ho$. _{hnmb aoÈ>r _Ü`ñW
lr Q>r.Eg. ZmBH$ OrdZ ~r_m
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lr E. d|H$Q>oœa amd nm°{bgrYmaH$ g§ajU Ed§ {eH$m`V {ZdmaU
lr à^mV Hw$_ma _¡Vr EŠMw[a`b Ed§ _w»` gVH©$Vm A{YH$mar
lr_Vr Ho$.Or. nr. Eb. a_mXodr gm_mÝ` àemgZ Ed§ _mZd g§gmYZ
lr E_. Eg. O`Hw$_ma n`©dojU
lr Q>r. dr. amd àdV©Z Ed§ AZwnmbZ, Am§V[aH$ boImnarjm
lr EZ. E_. ~ohoam ñdmñÏ` ~r_m (30.04.2023 VH$)
lr n§H$O Hw$_ma {Vdmar ñdmñÏ` ~r_m
lr Aå_y d|H$Q> a_Zm {dÎm Ed§ {Zdoe
lr gr. lr{Zdmg Hw$_ma EŠMw[a`b
lr EZ. Eg. Ho$. à^mH$a OrdZ ~r_m
lr _ZmoO Hw$_ma {dÎm Ed§ {Zdoe
lr _hoe AJ«dmb {dÎm Ed§ {Zdoe
lr emXþ©b AX_mZo nwZ~u_m
lr_Vr ~r. nÙOm AÜ`j g{Mdmb` Am¡a ~moS©> g{Mdmb`
lr S>r. Eg. _y{V© J¡a-OrdZ ~r_m
lr XrnH$ IÞm gm_mÝ` àemgZ Am¡a _mZd g§gmYZ
lr XrnH$ Jm`H$dm‹S> _Ü`ñW
lr àgmX amd H$bm`mê$ H$mZyZr
lr gwaoe Zm`a J¡a-OrdZ ~r_m
lr_Vr {Z{_fm lrdmñVd ~r_m g_mdoeZ Am¡a {dH$mg
lr_Vr Ama. C_m _mhoœar _Ü`ñW
lr_Vr bVm gr. Am{W©H$ Am¡a Zr{V {dûcofU Am¡a AZwg§YmZ
lr Jmonm Hw$_ma B©. Eg. gm_mÝ` àemgZ Am¡a _mZd g§gmYZ (31.05.2023 VH$)
lr g§O` Hw$_ma d_m© àdV©Z Am¡a AZwnmbZ
lr_Vr {ejm emhm J¡a-OrdZ ~r_m
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g_ñ`mAm| Ho$ Ûmam CËnÞ d¡{œH$ D$Om© Am¡a ImÚ g§H$Q>, Am¡a
CÞV AW©ì`dñWmE± 1.6 1.7 1.8
_wÐmñ\$s{V _| C„oIZr` d¥{Õ, Ho$ ~mdOyX d¡{œH$ AW©ì`dñWm
C^aVr ~mOma Am¡a
H$s AgmYmaU AmKmV-ghZr`Vm na {deof ~b {X`m& BZ
{dH$mgerb
MwZm¡{V`m| Ho$ hmoVo hþE ^r, d¡{œH$ AW©ì`dñWm _§Xr go ~MH$a
AW©ì`dñWmE± 4.3 4.2 4.2
ah gH$s, Omo H$mµ\$s hX VH$ ~‹S>r AW©ì`dñWmAm| Ho$ ~rM
MrZ 5.2 4.6 4.1
g_pÝdV g_m`moOZm| Ho$ H$maU Wm& Cº$ [anmoQ>© Ho$ AZwgma AmJo
XoIVo hþE, `h àË`m{eV h¡ {H$ d¡{œH$ d¥{Õ XmoZm| 2024 Am¡a ^maV 7.8 6.8 6.5
2025 Ho$ {bE 3.2 à{VeV Ho$ EH$ pñWa àjonnW H$mo ~Zm`o ny- nydm©Zw_mZ& òmoV: AmB©E_E\$, dëS©> BH$Zm{_H$ AmCQ>bwH$, Aà¡b 2024
aI gHo$Jr& _wÐmñ\$s{V Ho$ g§~§Y _| nydm©Zw_mZ h¡ {H$ dh 2024
I.1.3 amï´>r` gm§p»`H$s H$m`m©b` (EZEgAmo) Ûmam Omar {H$`o
Ho$ A§V _| pñWV 2.8 à{VeV go KQ>H$a 2025 H$s g_m{á VH$
J`o Am` Ho$ AZ§{V_ AZw_mZm| Ho$ AZwgma, ^maV H$m gH$b
2.4 à{VeV hmoJr&
Xoer CËnmX (OrS>rnr) dV©_mZ H$s_Vm| na 2022-23 Ho$ é.
269.50 bmI H$amo‹S> Ho$ _wH$m~bo df© 2023-24 _| 295.36
^maV H$m Am{W©H$ H$m`©{ZînmXZ Am¡a d¡{œH$ àd¥{Îm`m|
bmI H$amo‹S> na AZw_m{ZV h¡ Omo 9.6 à{VeV H$s d¥{Õ Xa
H$s VwbZm _| Ñ{ï>H$moU
Xem©Vm h¡&
I.1.2 AmB©E_E\$ Ho$ Ñ{ï>H$moU Ho$ AZwgma, ^maV H$s OrS>rnr
d¥{Õ XmoZm| {dœ Am¡gV Am¡a CÞV AW©ì`dñWmAm| Ho$ Am¡gV go dV©_mZ H$s_Vm| na à{V ì`{º$ Am` 2022-23 _| XO© é.
AmJo ~‹T> JB© h¡& 2023 _| ^maV H$s OrS>rnr Zo 7.8 à{VeV 1,94,879 H$s VwbZm _| 2023-24 Ho$ Xm¡amZ é. 2,11,725
VH$ d¥{Õ H$s, Omo C„oIZr` ê$n _| 3.2 à{VeV H$s d¡{œH$ h¡ Omo 8.6 à{VeV d¥{Õ Xem©Vr h¡& à{V ì`{º$ {ZOr A§{V_
d¥{Õ Xa Am¡a CÞV AW©ì`dñWmAm| H$s 1.6 à{VeV d¥{Õ Xa Cn^moJ ì`` 2022-23 Ho$ é. 1,18,755 go ~‹T>H$a 2023-
go A{YH$ h¡& `h àd¥{Îm 2024 Am¡a 2025 Ho$ {bE {H$`o J`o 24 _| é. 1,27,760 hmo J`m h¡ Omo 7.6 à{VeV d¥{Õ XO©
nydm©Zw_mZm| _| bJmVma ~Zr hþB© h¡ Ohm± ^maV H$s OrS>rnr Ho$ H$aVr h¡&
g§~§Y _| àË`m{eV h¡ {H$ `h H«$_e… 6.8 à{VeV Am¡a 6.5
I.1.4 AmYma H$s_Vm| na `mo{OV gH$b _yë` (OrdrE) Ûmam
à{VeV go d¥{Õ H$aoJr& `o Am§H$‹S>o XmoZm| dfm] Ho$ {bE 3.2
_mnr JB© g_J« Amny{V© 2022-23 _| 14.0 à{VeV Ho$ {dñVma
à{VeV H$s {dœ CËnmXZ d¥{Õ Xa go H$m\$s A{YH$ h¡ VWm
H$mo XO© H$aZo Ho$ ~mX 2023-24 _| 8.5 à{VeV VH$ ~‹T>r&
CÞV AW©ì`dñWmAm| H$s d¥{Õ Xam| go ^r A{YH$ h¡ Omo 2024
_| 1.7 à{VeV na Am¡a 2025 _| 1.8 à{VeV na nydm©Zw_m{ZV
h¡& `h AZwHy$b A{YH$ AÀN>m àXe©Z d¡{œH$ Am¡gV Am¡a
CÞV AW©ì`dñWmAm| H$s VwbZm _| ^maV H$s gwÑ‹T> Am{W©H$
J{V H$mo aoIm§{H$V H$aVm h¡&
Annual Report 2023-24 7gmaUr I.2: ^maV Ho$ amï´>r` Am` AZw_mZ
(dV©_mZ H$s_Vm| na)
2022-23* 2023-24# d¥{Õ (%)
_X
2022-23 2023-24
AmYma H$s_Vm| na `mo{OV gH$b _yë` (OrdrE)
(< bmI H$amo‹S>) 246.59 267.62 14.0 8.5
gH$b Xoer CËnmX (OrS>rnr) (<bmI H$amo‹S>) 269.50 295.36 14.2 9.6
gH$b amï´>r` à`moÁ` Am` (OrEZS>rAmB©)
(< bmI H$amo‹S>) 273.98 299.85 14.5 9.4
à{V ì`{º$ OrS>rnr (<) 1,94,879 2,11,725 13.0 8.6
à{V ì`{º$ OrEZS>rAmB© (<) 1,98,125 2,14,951 13.3 8.5
à{V ì`{º$ {ZOr A§{V_ Cn^moJ ì`` (nrE\$grB©) (<) 1,18,755 1,27,760 13.0 7.6
*àW_ g§emo{YV AZw_mZ, #A§{V_ AZw_mZ;
òmoV: EZEgAmo, àog ZmoQ> {XZm§H$ 31 _B© 2024.
gmaUr I.3: Am{W©H$ J{V{d{Y Ûmam gH$b _yë` d{Y©V (OrdrE) H$m AZw_mZ
(dV©_mZ H$s_Vm| na) (é. bmI H$amo‹S>)
2022-23* 2023-24# d¥{Õ (%)
CÚmoJ
2022-23 2023-24
I. àmW{_H$ joÌ 49.78 52.51 9.7 5.5
H¥${f, newYZ, dm{ZH$s d _Ëñ`-J«hU 44.84 47.25 9.4 5.4
IZZ Am¡a CËIZZ 4.94 5.25 12.6 6.3
II. {ÛVr`H$ joÌ 63.19 68.67 8.8 8.7
{d{Z_m©U 35.36 38.19 4.2 8.0
{~Obr, J¡g, Ob Amny{V© d AÝ` OZmon`moJr godmE± 6.04 6.63 4.6 9.8
{Z_m©U 21.78 23.83 18.7 9.4
III. V¥Vr`H$ joÌ 133.60 146.43 18.3 9.6
ì`mnma, hmoQ>b, n[adhZ, g§Mma d àgmaU g§~§Yr godmE± 44.10 46.84 20.0 6.2
{dÎmr`, ñWmda g§nXm Am¡a ì`mdgm{`H$ godmE± 55.20 60.64 18.8 9.9
bmoH$ àemgZ, ajm Am¡a AÝ` godmE± 34.30 38.95 15.4 13.8
AmYma H$s_Vm| na (OrdrE) 246.59 267.62 14.0 8.5
*àW_ g§emo{YV AZw_mZ; #A§{V_ AZw_mZ;
òmoV: EZEgAmo, àog ZmoQ> {XZm§H$ 31 _B© 2024
8 Annual Report 2023-24I.1.5 gH$b amï´>r` à`moÁ` Am` (OrEZS>rAmB©) Ho$ à{VeV
~MV ({Zdb) _| {nN>bo df© _| XO© 7.2 à{VeV go 2022-23
Ho$ ê$n _| gH$b Xoer ~MV {nN>bo df© Ho$ 30.8 à{VeV go
_| OrEZS>rAmB© Ho$ 5.2 à{VeV VH$ H$_r AmZo Ho$ H$maU Wr&
KQ>H$a 2022-23 _| 29.7 à{VeV hþB©, Omo Kaoby {dÎmr`
òmoV… Ama~rAmB© dm{f©H$ [anmoQ>© 2023-24 (n[a{eï> gmaUr 3)
Annual Report 2023-24 9gmaUr I.4: Kaoby joÌ H$s {dÎmr` ~MV
(gH$b amï´>r` à`moÁ` Am` H$m à{VeV)
_X 2021-22 2022-23
Kaoby joÌ ~MV 19.8 18.1
i. {Zdb {dÎmr` ~MV (H$-I) 7.2 5.2
ii. ^m¡{VH$ AmpñV`m| _| ~MV 12.4 12.7
iii. _yë`dmZ dñVwAm| Ho$ ê$n _| ~MV 0.3 0.2
H$. gH$b {dÎmr` ~MV ({Og_| go) 10.9 10.9
1. _wÐm 1.1 0.9
2. O_m am{e`m± 3.5 4.0
3. eo`a Am¡a {S>~|Ma 0.9 0.8
4. gaH$ma na Xmdo 1.1 0.9
5. ~r_m {Z{Y`m± 2.0 2.0
6. ^{dî` Am¡a n|eZ {Z{Y`m± 2.3 2.3
I. {dÎmr` Xo`VmE± 3.8 5.7
òmoV… Ama~rAmB© dm{f©H$ [anmoQ>© 2023-24. (gmaUr II.2.2)
I.2 ~r_m ~mOma H$m _yë`m§H$Z g_m{á na, 2023 _| d¥{Õ Ho$ 5.9% VH$ nwZ… ~‹T>Zo Ho$ ~mX
2024 Ho$ Xm¡amZ `h J{V nH$‹S>H$a Omar ahoJm& VWm{n, ñdmñÏ`
I.2.1 d¡{œH$ ~r_m ~mOma H$m _yë`m§H$Z
àr{_`_m| _| A_o[aH$m _| _hm_mar g_W©Z nm{b{g`m| H$s g_m{á
Ho$ H$maU {JamdQ> hmo gH$Vr h¡, {OgH$m à{Vg§VwbZ H$aVo hþE
I.2.1.1 pñdg AmaB© {gJ_m [anmoQ>© (àH$meZ g§. 03/2024)
ì`dgm` H$s AÝ` ì`dñWmAm| _| _mÌm _| d¥{Õ hmoJr& J¡a-
_| nydm©Zw_mZ ì`º$ {H$`m J`m h¡ {H$ d¡{œH$ J¡a-OrdZ ~r_m
OrdZ ì`dgm` H$s bm^àXVm _| {Z{üV ê$n go gwYma hmoJm,
àr{_`_ _| 2024 _| dmñV{dH$ ê$n _| 3.3 à{VeV d¥{Õ hmoJr,
{OgHo$ gmW _§X J{V go `wº$ _wÐmñ\$s{V A§VV… Xmdm| H$s
Omo _w»` ê$n go H${R>Z ~mOma pñW{V`m| H$s {Za§VaVm Ho$ Ûmam
Vrd«Vm _| H$_r Ho$ {bE _mJ© àeñV H$aoJr&
g§Mm{bV h¡& àr{_`_m| _| 2023 _| 3.9 à{VeV d¥{Õ hþB©, Omo
2022 _| {dÚ_mZ 0.8 à{VeV d¥{Õ go EH$ C„oIZr` gwYma
I.2.1.2 ñdmñÏ` d¡{œH$ J¡a-OrdZ ~r_m àr{_`_m| Ho$ AmYo
h¡& _w»` àoaH$ Vmo CÞV ~mOmam| _| Xa H$s d¥{Õ ahr, Ohm±
Ho$ {ZH$Q> A§eXmZ H$aVm h¡& ñdmñÏ` àr{_`_ Ho$ g§~§Y _|
~r_mH$Vm©Am| Zo ~‹T>Vo hþE Xmdm| H$mo H$da H$aZo Ho$ {bE H$s_Vm|
àË`m{eV h¡ {H$ dh 2024 _| dmñV{dH$ ê$n _| 3 à{VeV d¥{Õ
_| d¥{Õ H$s& O¡go O¡go Xmdm| H$s _wÐmñ\$s{V hbH$s hmoJr, Xam| _|
H$aoJm& _OXÿar Am¡a ñdmñÏ`ajm ì``m| _| grnrAmB© _wÐmñ\$s{V
{JamdQ> hmoZo H$s g§^mdZm h¡, Am¡a df© 2025 Ho$ {bE 2.6
go A{YH$ hmoZo Ho$ gmW hr, ñdmñÏ` ~r_m H$s_V-{ZYm©aU Ho$
à{VeV H$s àr{_`_ d¥{Õ H$s ^{dî`dmUr H$s JB© h¡& `h d¥{Õ
~‹T>Zo H$s g§^mdZm h¡& g§n{Îm ~r_m àr{_`_ Ho$ {df` _| 2023
_w»` ê$n go dm{UpÁ`H$ ì`dñWmAm| _| d¡`{º$H$ Am¡a Mmby
_| àmá 6.1 A{^bm^ Ho$ Cnam§V, H$R>moa ~mOma n[apñW{V`m| Ho$
H$s_V e{º$ _| Xa H$s d¥{Õ Ûmam g§Mm{bV hmoJr& _moQ>a ~mOma
~Zo ahZo na 2024 _| 4.7 à{VeV d¥{Õ hmoZo H$m AZw_mZ h¡&
Ho$ g§~§Y _| àË`m{eV h¡ {H$ g§Hw$MZ Ho$ VrZ {Za§Va dfm] H$s
10 Annual Report 2023-24I.2.1.3 pñdg AmaB© H$m nydm©Zw_mZ h¡ {H$ OrdZ ~r_m Ho$ d¡{œH$ n[aÑí` _| ^maVr` ~r_m
{bE d¡{œH$ àr{_`_ 2024 _| dmñV{dH$ ê$n _| 2.5 à{VeV
I.2.1.5 ^maV H$m ~r_m ~mOma d¡{œH$ ê$n go g~go VoOr go
~‹T>|Jo VWm Bg df© Ho$ 3 {Q´>{b`Z A_o[aH$s S>mba go D$na
d¥{Õ H$aZodmbo ~r_m ~mOmam| _| go EH$ h¡ VWm pñdg AmaB© H$m
CR>H$a 2034 VH$ 4.7 {Q´>{b`Z A_o[aH$s S>mba VH$ nhþ±M|Jo&
nydm©Zw_mZ h¡ {H$ ^maV, Omo dV©_mZ _| Z§~a 10 na h¡, AJbo
CÞV ~mOmam| _| `h d¥{Õ ~MV ì`dgm` Ûmam ào[aV hmoJr
nm±M dfm] _| Or20 H$m gdm©{YH$ VoOr go d¥{Õ H$aZodmbm
Š`m|{H$ CƒVa ã`mO Xa nwZ{Z©Ym©aU ~MV CËnmXm| H$mo A{YH$
~mOma hmoJm& `h d¥{Õ g§~§Yr Ñ{ï>H$moU _O~yV Am{W©H$ d¥{Õ,
AmH$f©H$ ~Zm`oJm& C^aVo ~mOmam| _|, OrdZ ~r_m ì`mnZ H$m
C^aVr hþB© à`moÁ` Am`, `wdm OZg§»`m, g§d{Y©V OmopI_
~‹T>Zm Omar ahoJm Š`m|{H$ d¥{Õerb _Ü`_ Am` Kaoby dJ©
OmJê$H$Vm, {S>{OQ>b ì`mnZ, Am¡a {d{Z`m_H$ àJ{V Ho$ AmYma
A{YH$ godm{Zd¥{Îm Am`moOZm CËnmXm| H$s _m±J H$aoJm& `h
na h¡& ^maV, H$ZmS>m, Am¡a ~«mOrb Zo {nN>bo df© d¡{œH$
AZw_m{ZV h¡ {H$ XmoZm| OrdZ Am¡a J¡a-OrdZ ~mOmam| _| Omar
àr{_`_m| _| AnZo A§em| _| d¥{Õ H$s& erf©ñW 20 ñWmZm| _|
gwÑ‹T> àr{_`_ d¥{Õ Ho$ gmW, d¡{œH$ àr{_`_ (OrdZ Am¡a
E{e`mB© ~mOmam| Ho$ nm±M ñWmZ h¢, Omo ~mOma A§e Ho$ 22
J¡a-OrdZ) 2024 _| dmñV{dH$ ê$n _| 7.6 {Q´>{b`Z A_o[aH$s
à{VeV H$m {Zê$nU H$aVo h¢&
S>mba VH$ 3.2 à{VeV ~‹T>|Jo, {OgHo$ ~mX 2025 _| 2.6
à{VeV d¥{Õ VH$ Hw$N> _§XZ hmoJm& I.2.1.6 pñdg AmaB© [anmoQ>© Ho$ AZwgma, ^maVr` ~r_m ~mOma
Zo ~‹T>Vr hþB© _wÐmñ\$s{V Am¡a Cƒ-{Q>H$Q> nm{b{g`m| Ho$ {bE
gmaUr I.5: 2023 _| {dœ _| joÌ dma dmñV{dH$
H$a _mZX§S>m| _| n[adV©Zm| Ho$ H$maU Hw$N> _§Xr H$m AZw^d {H$`m
àr{_`_ _| d¥{Õ
h¡& ¶hm± OrdZ àr{_`_ n[a_mU 2023-24 _| 0.6 à{VeV
~‹T>o h¢, dht J¡a-OrdZ ~r_m joÌ Zo 2023-24 _| d¥{Õ AZw^d
(à{VeV _|)
H$s h¡ Ohm± dmñV{dH$ ê$n _| àr{_`_ 7.9 à{VeV ~‹T> J`o h¢&
joÌ OrdZ J¡a-OrdZ Hw$b
^maV _| gmd{Y OrdZ H$dam| Ho$ {bE ~‹T>Vr hþB© _m±J Ho$ g§~§Y
CÞV ~mOma -0.7 3.6 2.0
_| AZw_mZ h¡ {H$ `h AZw_m{ZV 5 à{VeV VH$ dmñV{dH$
C^aVo ~mOma 7.8 5.3 6.6
àr{_`_ d¥{Õ H$mo ~‹T>m`oJr&
E{e`m-n¡{g{\$H$ 3.1 3.6 3.3
gmaUr I.6: 2023 _| {dœ _| joÌ dma àr{_`_ H$s _mÌm
^maV 0.6 7.9 2.4
({~{b`Z A_o[aH$s S>mba _|)
{dœ 1.3 3.9 2.8
joÌ OrdZ J¡a-OrdZ Hw$b
òmoV: pñdg AmaB© {gJ_m {dœ ~r_m [anmoQ>© (g§. 03/2024)
CÞV ~mOma 2,185.58 3,655.51 5,841.09
I.2.1.4 {gJ_m So>Q>m Ho$ AZwgma, A_o[aH$m d¡{œH$ Vm¡a na (37.42) (62.58) (100)
g~go à_wI ~r_m ~mOma ~Zm hþAm h¡, {OgHo$ Hw$b àr{_`_
C^aVo ~mOma 703.41 641.67 1,345.08
2023-24 _| 3 {Q´>{b`Z A_o[aH$s S>mba go A{YH$ h¢²& MrZ
(52.30) (47.70) (100)
Xÿgam g~go ~‹S>m ~mOma h¡, {OgHo$ Hw$b àr{_`_ 724 {~{b`Z
E{e`m-n¡{g{\$H$ 1,062.14 699.47 1,761.61
A_o[aH$s S>mba h¡& {~«Q>oZ Vrgao ñWmZ na nhþ§M J`m h¡ Am¡a
(60.30) (39.70) (100)
OmnmZ Mm¡Wo ñWmZ na pIgH$ J`m h¡& \«$m§g, O_©Zr Am¡a X{jU
^maV 100.19 35.77 135.96
H$mo[a`m Zo AnZr a¢qH$J ~aH$ama aIr, bo{H$Z ZH$mamË_H$
(73.68) (26.32) (100)
{dH$mg Am¡a _wÐm Ad_yë`Z Ho$ H$maU ~mOma A§e Imo Xr&
{dœ 2,889.00 4,297.18 7,186.17
(40.20) (59.80) (100)
òmoV… pñdg AmaB© {dœ ~r_m [anmoQ>© (g§. 03/2024)
H$moð>H$ _| {XE JE Am§H$‹S>o Hw$b H$m à{VeV Xem©Vo h¢
Annual Report 2023-24 11~r_m ì`mnZ Am¡a gKZVm
ì`mnZ H$m _mnZ OrS>rnr H$s VwbZm _| ~r_m àr{_`_m| Ho$
I.2.1.7 ~r_m ì`mnZ Am¡a gKZVm Xmo Eogo _mZX§S> h¢ {OZH$m à{VeV Ho$ Vm¡a na {H$`m OmVm h¡, ~r_m gKZVm H$m n[aH$bZ
à`moJ {H$gr ^r Xoe _| ~r_m joÌ Ho$ {dH$mg Ho$ ñVa H$m OZg»§ `m H$s Vbw Zm _ |àr{_`_ H$o AZnw mV (à{V ì`{º$ àr{_`_)
AmH$bZ H$aZo Ho$ {bE àm`… {H$`m OmVm h¡& O~{H$ ~r_m Ho$ ê$n _| {H$`m OmVm h¡&
gmaUr I.7: ~r_m ì`mnZ ^maV ~Zm_ {dœ (à{VeV)
OrdZ ~r_m J¡a-OrdZ ~r_m Hw$b (OrdZ+J¡a-OrdZ)
joÌ
2022 2023 2022 2023 2022 2023
^maV 3 2.8 1 1 4 3.7
{dœ 2.8 2.9 4 4.2 6.8 7
òmoV: pñdg AmaB© g§ñWmZ H$s {gJ_m [anmoQ>© (g§. 03/2024)
{Q>ßnUr: ^maV Ho$ {bE So>Q>m 12 _hrZm|, Aà¡b 2023 go _mM© 2024 ({dÎmr` df© 2023-24), Ho$ {bE h¡, O~{H$ `h eof {dœ Ho$ {bE H¡$b|S>a df© 2023 Ho$
{bE h¡&
{bE {dœ _| ì`mnZ Am¡a gKZVm H$s àd¥{Îm`m± MmQ>© I.5 Am¡a
I.2.1.8 2023-24 _|, ^maV H$m ~r_m ì`mnZ 2022-23 _|
MmQ>© I.6 _| d{U©V h¢²&
{dÚ_mZ 4 à{VeV H$s VwbZm _| 3.7 à{VeV Wm& OrdZ ~r_m
CÚmoJ Ho$ {bE ~r_m ì`mnZ {nN>bo df© _| XO© 3 à{VeV go
KQ>H$a 2023-24 Ho$ Xm¡amZ 2.8 à{VeV ahm& J¡a-OrdZ ~r_m
CÚmoJ Ho$ g§~§Y _| ì`mnZ 2022-23 _| {dÚ_mZ ê$n _| hr
2023-24 Ho$ Xm¡amZ 1 à{VeV ahm&
^maV Ho$ ~r_m ì`mnZ Am¡a ~r‘m gKZVm H$s XrK©H$m{bH$
àd¥{Îm MmQ>© I.3 Am¡a MmQ>© I.4 _| àñVwV h¡& M`{ZV Xoem| Ho$
òmoV… pñdg AmarB©, {g½_m {dœ ~r_m [anmoQ>©, {d{^Þ A§H$ (ì`mnZ à{VeV
_|)
gmaUr I.8: ~r_m gKZVm ^maV ~Zm_ {dœ (A_o[aH$s S>mba)
OrdZ ~r_m J¡a-OrdZ ~r_m Hw$b (OrdZ+J¡a-OrdZ)
joÌ
2022 2023 2022 2023 2022 2023
^maV 70 70 22 25 92 95
{dœ 354 361 499 528 853 889
òmoV: pñdg AmaB© g§ñWmZ H$s {gJ_m [anmoQ>© 03/24
{Q>ßnUr: ^maV Ho$ {bE So>Q>m 12 _hrZm|, Aà¡b 2023 go _mM© 2024 ({dÎmr` df© 2023-24) Ho$ {bE h¡, O~{H$ `h eof {dœ Ho$ {bE H¡$b|S>a df© 2023 Ho$ 12
_hrZm| Ho$ {bE h¡&
12 Annual Report 2023-24I.2.1.9 2023-24 _| ^maV _| ~r_m gKZVm Zo EH$ gmYmaU
d¥{Õ Xem©B©, Omo 2022-23 _| XO© 92 A_o[aH$s S>mba go
~‹T>H$a 2023-24 _| 95 A_o[aH$s S>mba hmo JB©²& {deof ê$n
g,o Ja¡ -OrdZ ~r_m gKZVm 22 A_[oaH$s S>mba g o 25 A_[oaH$s
S>mba VH$ ~‹T>r, O~{H$ OrdZ ~r_m gKZVm 70 A_o[aH$s
S>mba na pñWa ahr& ~r_m gKZVm _| `h D$Üd©_wIr àd¥{Îm
2016-17 go pñWa ahr h¡&
{Q>ßnUr… ~r_m ì`mnZ H$m _mnZ OrS>rnr H$s VwbZm _| ~r_m àr{_`_ Ho$ à{VeV
I.2.1.10 pñdg AmaB© {gJ_m {dœ ~r_m [anmoQ>© Ho$ AZwgma, Ho$ én _| {H$`m OmVm h¡&
òmoV… pñdg AmaB© {gJ_m {dœ ~r_m [anmoQ>© (g§. 03/2024)
~r_m ì`mnZ Am¡a ~r_m gKZVm d¡ídrH$ Vm¡a na OrdZ I§S> Ho$
{bE 2.9 à{VeV Am¡a 361 A_o[aH$s S>mba Wr, VWm J¡a-
OrdZ I§S> Ho$ {bE 4.2 à{VeV Am¡a 528 A_o[aH$s S>mba
Wr& g_J« ê$n go, ~r_m ì`mnZ Am¡a gKZVm 2023 _| H«$_e…
7 à{VeV Am¡a 889 A_o[aH$s S>mba Wr&
I.2.1.11 pñdg AmaB© Ûmam ^maV _| ~r_m ì`mnZ Am¡a gKZVm
Ho$ AZw_mZ Omo CgH$s dm{f©H$ [anmoQ>m] go EH$Ì {H$`o J`o h¢,
àñVwV {H$`o J`o h¢²& M`{ZV Xoem| _| ~r_m ì`mnZ H«$_e…
{ddaU 1 Am¡a 2 _| nwZ… àñVwV {H$`o J`o h¢& {Q>ßnUr… ~r_m gKZVm H$m _mnZ OZg§»`m H$s VwbZm _| ~r_m àr{_`_ Ho$
AZwnmV Ho$ ê$n _| {H$`m OmVm h¡&
òmoV… pñdg AmaB© {gJ_m {dœ ~r_m [anmoQ>© (g§. 03/2024)
I.2.2 OrdZ ~r_m joÌ Ho$ ^maVr` ~r_m ~mOma
òmoV… pñdg AmaB© {gJ_m {dœ ~r_m [anmoQ>©, {d{^Þ A§H$ (gKZVm A_o[aH$s
ì`dgm` H$m`©{ZînmXZ H$m _yë`m§H$Z
S>mba _|)
I.2.2.1 ^maV _| OrdZ ~r_m ~mOma Zo dfm] go EH$ gwg§JV
àr{_`_ d¥{Õ XO© H$s h¡& 2023-24 Ho$ Xm¡amZ, OrdZ ~r_m
Annual Report 2023-24 13CÚmoJ Zo 6.06 à{VeV d¥{Õ XO© H$aVo hþE é. 8.30 bmI I.2.2.4 Hw$b àr{_`_ Ho$ 85.36 à{VeV H$m A§eXmZ H$aVo
hþE, nma§n[aH$ CËnmXm| Zo é.7.08 bmI H$amo‹S> H$m A§eXmZ
H$amo‹S> H$s àr{_`_ Am` A§{H$V H$s h¡& {ZOr joÌ OrdZ
{H$`m VWm g~§ Õ CËnmXm | H$m Ae§ 14.64 à{VeV ahm& nman§ [aH$
~r_mH$Vm©Am| Zo àr{_`_ _| 15.05 à{VeV H$s d¥{Õ Xem©B© h¡,
CËnmXm| go ì`dgm` 4.56 à{VeV ~‹T>m Am¡a `h g§~Õ CËnmXm|
O~{H$ gaH$mar joÌ OrdZ ~r_mH$Vm© Zo àr{_`_ _| 0.23
Ho$ {bE 15.73 à{VeV h¡&
à{VeV H$s d¥{Õ XO© H$s&
I.2.2.5 OrdZ ~r_m I§S> Hw$b OrdZ ~r_m àr{_`_ H$m
I.2.2.2 ZdrH$aU àr{_`_ 2023-24 _| 54.41 à{VeV na
79.88 à{VeV ~ZVm h¡ {OgHo$ ~mX n|eZ Am¡a dm{f©H$s I§S>m|
OrdZ ~r_mH$Vm©Am| Ûmam OmopI_-A§{H$V Hw$b àr{_`_ _|
H$m ñWmZ h¡ Ohm± XmoZm| {_bH$a bJ^J 19.74 à{VeV ~ZVo
AnojmH¥$V ~‹S>o A§e H$m A§eXmZ bJmVma H$a ahm h¡& eof h¢²& EH$ {dñV¥V ã`moam {ddaU 5 _| {X`m J`m h¡&
45.59 à{VeV H$m A§eXmZ Z`o ì`dgm` àr{_`_ Ûmam {H$`m
J`m h¡& Z`o ì`dgm` àr{_`_ _| d¥{Õ, 9.79 à{VeV na
ZdrH$aU ì`dgm` H$s VwbZm _| 1.93 à{VeV h¡& EH$b
àr{_`_ CËnmX gaH$mar joÌ OrdZ ~r_mH$Vm© Ho$ {bE CgHo$
Hw$b àr{_`_ Ho$ 38.60 à{VeV Ho$ A§eXmZ Ho$ gmW bJmVma
EH$ ~‹S>o A§e H$m `moJXmZ H$a aho h¢, O~{H$ {ZOr joÌ OrdZ
~r_mH$Vm©Am| Ho$ {bE `h 22.38 à{VeV Wm& OrdZ ~r_m
àr{_`_ Ho$ {bE ~r_mH$Vm©-dma So>Q>m {ddaU 3 _| àñVwV {H$`m
J`m h¡& g§~Õ Am¡a Ag§~Õ ê$n _| OmopI_-A§{H$V Hw$b I.2.2.6 2023-24 Ho$ Xm¡amZ, OrdZ ~r_mH$Vm©Am| Zo d¡`{º$H$
ì`dgm` Ho$ A§VJ©V 291.77 bmI ZB© nm{b{g`m± Omar H$s¨,
àr{_`_ H$m {Û^mOZ {ddaU 4 _| {X`m J`m h¡&
{OZ_| go gaH$mar joÌ ~r_mH$Vm© Zo 203.93 bmI nm{b{g`m±
(69.89 à{VeV) Omar H$s¨ Am¡a {ZOr OrdZ ~r_mH$Vm©Am| Zo
87.84 bmI nm{b{g`m± (30.11 à{VeV) Omar H$s& O~{H$
{ZOr joÌ ~r_mH$Vm©Am| Zo 9.23 à{VeV d¥{Õ XO© H$s, dht
gaH$mar joÌ ~r_mH$Vm© Zo 0.18 à{VeV H$s {JamdQ> (S>r-
J«moW) gy{MV H$s VWm CÚmoJ Zo {nN>bo df© _| CZHo$ Ûmam Omar
H$s JB© ZB© nm{b{g`m| H$s g§»`m H$s VwbZm _| 2.48 à{VeV
H$s d¥{Õ XO© H$s&
I.2.2.3 ^maVr` OrdZ ~r_m {ZJ_ (EbAmB©gr) ^maV Ho$
~mha ì`dgm` H$m OmopI_-A§H$Z H$aZodmbm EH$_mÌ ^maVr`
OrdZ ~r_mH$Vm© h¡ VWm CgZo 2023-24 Ho$ Xm¡amZ é.476.25
H$amo‹S> Ho$ Hw$b àr{_`_ H$m g§J«hU {H$`m h¡&
14 Annual Report 2023-24gmaUr I.9: OrdZ ~r_mH$Vm©Am| H$m ì`mdgm{`H$ H$m`©{ZînmXZ
(`. H$amo‹S> ‘|)
H«$. 2022-23 2023-24
{ddaU
g§. gaH$mar joÌ {ZOr joÌ CÚmoJ Hw$b gaH$mar joÌ {ZOr joÌ CÚmoJ Hw$b
1 ^maV Ho$ A§Xa OmopI_-A§{H$V
àr{_`_ (< H$amo‹S>)
1(H$) àW_ df© àr{_`_ (à. d.) 39,089.94 70,834.75 1,09,924.69 39,037.95 76,469.86 1,15,507.81
(6.66) (-4.20) (-0.60) (-0.13) (7.96) (5.08)
1(I) EH$b àr{_`_ 1,92,960.65 68,340.47 2,61,301.13 1,83,633.45 79,264.19 2,62,897.64
(18.90) (62.75) (27.92) (-4.83) (15.98) (0.61)
1(J) Z`m ì`dgm` 2,32,050.60 1,39,175.22 3,71,225.82 2,22,671.40 1,55,734.05 3,78,405.45
(à.d.+EH$b àr{_`_) (16.65) (20.05) (17.90) (-4.04) (11.90) (1.93)
1(K) ZdrH$aU àr{_`_ 2,42,617.54 1,68,660.61 4,11,278.15 2,53,080.52 1,98,443.49 4,51,524.01
(5.90) (13.46) (8.88) (4.31) (17.66) (9.79)
1(L) Hw$b àr{_`_ (Z`m + ZdrH$aU) 4,74,668.14 3,07,835.83 7,82,503.97 4,75,751.92 3,54,177.54 8,29,929.46
(10.90) (16.34) (12.98) (0.23) (15.05) (6.06)
2 ^maV Ho$ ~mha go àr{_`_
(< H$amo‹S>) 404.78 - 404.78 476.25 - 476.25
3 d¡`{º$H$ ì`dgm` Ho$ A§VJ©V
Omar H$s JB© ZB© nm{b{g`m± 204.24 80.42 284.7 203.93 87.84 291.77
(bmI _|) (-5.96) (8.77) (-2.21) (-0.18) (9.23) (2.48)
4 OmopI_-A§{H$V I§S>-dma
g§~Õ Ag§~Õ Hw$b g§~Õ Ag§~Õ Hw$b
àr{_`_ (< H$amo‹S>)
4(H$) dm{f©H$s - 33,637.33 33,637.33 - 36,378.09 36,378.09
4(I) ñdmñÏ` 146.60 594.58 741.18 132.22 551.54 683.76
4(J) OrdZ 91,479.51 5,05,741.57 5,97,221.08 1,06,459.45 5,56,474.15 6,62,933.60
4(K) ne| Z 13,329.79 1,35,295.68 1,48,625.47 14,878.13 1,12,566.13 1,27,444.26
4(L) n[adVu - 2,278.91 2,278.91 - 2,489.75 2,489.75
4(M) Hw$b 1,04,955.90 6,77,548.07 7,82,503.97 1,21,469.80 7,08,459.66 8,29,929.46
5 àXÎm bm^ (< H$amo‹S>) gaH$mar joÌ {ZOr joÌ CÚmoJ Hw$b gaH$mar joÌ {ZOr joÌ CÚmoJ Hw$b
5(H$) _¥Ë`w Xmdm 23,423.34 18,034.00 41,457.34 22,624.61 19,659.60 42,284.21
5(I) n[an¹$Vm 1,85,043.90 27,941.45 2,12,985.34 2,08,136.42 34,562.76 2,42,699.18
5(J) Aä`n©U/àË`mhaU 1,11,896.15 86,943.27 1,98,839.42 1,33,803.32 95,441.88 2,29,245.20
5(K) dm{f©{H$`m±/ n|eZ 17,892.71 2,803.55 20,696.26 20,106.73 3,802.60 23,909.33
5(L) AÝ` 1,056.57 21,830.19 22,886.77 1,278.07 37,605.36 38,883.43
5(M) Hw$b 3,39,312.67 1,57,552.46 4,96,865.13 3,85,949.15 1,91,072.20 5,77,021.35
{Q>ßnUr… 1. H$moð>H$ _| Am§H$‹S>o {nN>bo df© H$s VwbZm _| d¥{Õ H$mo à{VeV _| Xem©Vo h¢&
2. _¥Ë`w Xmdm nwZ~u_m H$mo KQ>mH$a h¡&
3. ghmam B§{S>`m bmB\$ B§í`moa|g H§$nZr {b. (EgAmB©EbAmB©gr) H$m OrdZ ~r_m ì`dgm` AmB©AmaS>rEAmB© Ûmam AnZo AmXoe {XZm§H$ 02.06.2023 Ho$ AZwgma
Eg~rAmB© bmB\$ B§í`moa|g H§$nZr {b. H$mo A§V[aV {H$`m J`m h¡ VWm {dÎmr` df© 2023-24 Ho$ {bE Cn`w©º$ So>Q>m/gyMZm _| EgAmB©EbAmB©gr go g§~§{YV So>Q>m/
gyMZm em{_b Zht h¡&
Annual Report 2023-24 15OrdZ ~r_mH$Vm©Am| H$m {dÎmr` H$m`©{ZînmXZ à{VeV d¥{Õ gy{MV H$s O~{H$ {ZOr joÌ OrdZ ~r_mH$Vm©Am|
Zo EH$gmW {_bH$a 2023-24 Ho$ Xm¡amZ bm^ _| 5.32 à{VeV
I.2.2.7 31 _mM© 2024 H$s pñW{V Ho$ AZwgma, OrdZ ~r_m
d¥{Õ H$s gyMZm Xr& {ZOr joÌ OrdZ ~r_mH$Vm©Am| Ûmam ^wJVmZ
joÌ H$s Hw$b àXÎm ny±Or é. 37,073 H$amo‹S> na pñWV h¡, Omo
{H$`m J`m bm^me§ (AV§ [a_ bm^me§ g{hV) {dÎmr` df © 2023-
{nN>bo df© H$s VwbZm _| 6.05 à{VeV d¥{Õ H$mo à{Vq~{~V
24 Ho$ {bE é. 1,549.83 H$amo‹S> na pñWV h¡& gaH$mar joÌ
H$aVr h¡& `h d¥{Õ àmW{_H$ ê$n go Q>mQ>m EAmB©E bmB\$
OrdZ ~r_mH$Vm© Zo df© 2023-24 Ho$ {bE AnZo eo`aYmaH$m|
B§í`moa|g H§$nZr {b{_Q>oS> _| é. 980 H$amo‹S> H$s A{V[aº$ ny±Or
H$mo bm^m§e Ho$ ê$n _| (A§V[a_ bm^m§e g{hV) é. 4,427.50
bJmZo VWm VrZ Z`o OrdZ ~r_mH$Vm©Am| AWm©V² E¸$mo bmB\$
H$amo‹S> H$m ^wJVmZ {H$`m h¡&
Bí§ `mao g| H$§nZr {b{_Q>So >, H$o«{S>Q> EŠo ggo bmB\$ Bí§ `mao g| {b{_Q>So >
Am¡a Jmo {S>{OQ> bmB\$ B§í`moa|g {b{_Q>oS> Ûmam {Zdoe {H$`o J`o
é. 429 H$amo‹S> Ho$ H$maU Wr& BgHo$ Abmdm, AmR> AÝ` OrdZ
~r_mH$Vm©Am| Zo OrdZ ~r_m CÚmoJ _| A{V[aº$ ê$. 707 H$amo‹S>
A§V{d©ï> {H$`o& n[aUm_ñdê$n, amOH$mofr` df© 2023-24 Ho$
{bE Hw$b àXÎm ny±Or na {Zdb à^md é. 2,116 H$amo‹S> H$s
d¥{Õ Wr&
df© Ho$ Xm¡amZ, Xmo {ZOr joÌ OrdZ ~r_mH$Vm©Am| Zo AÝ` àH$ma
H$s ny±Or Ho$ A§VJ©V Hw$b é.299.50 H$amo‹S> H$s am{e OwQ>mB©²&
31 _mM© 2024 H$s pñW{V Ho$ AZwgma, OrdZ ~r_mH$Vm©Am| Ho$
I.2.2.10 AmB©AmaS>rEAmB© (OrdZ ~r_m ì`dgm` H$aZodmbo
nmg AÝ` àH$ma H$s ny±Or H$s Hw$b am{e é. 5,231.50 H$amo‹S>
~r_mH$Vm©Am| Ho$ à~§YZ ì``) {d{Z`_, 2023 AÝ` ~mVm| Ho$
Wr&
gmW-gmW CËnmX Ho$ àH$ma Am¡a ñdê$n, àr{_`_ ^wJVmZ
I.2.2.8 OrdZ ~r_m CÚmoJ Ho$ ny±OrJV A{^bm^m| Am¡a AÝ`
Ad{Y VWm ~r_m ì`dgm` H$s Ad{Y H$mo {hgm~ _| boVo hþE
Am` g{hV {Zdoe Am` (nm{bgrYmaH$m| Am¡a eo`aYmaH$m| H$s)
à~§YZ ì``m| H$s AZw_{V-`mo½` gr_mE± {ZYm©[aV H$aVo h¢& df©
31 _mM© 2024 H$s pñW{V Ho$ AZwgma 59 à{VeV ~‹T>H$a é.
2023-24 Ho$ Xm¡amZ, 26 OrdZ ~r_mH$Vm©Am| _| go, 17 Cn`w©º$
6.19 bmI H$amo‹S> hþB©²& O~{H$ gaH$mar joÌ OrdZ ~r_mH$Vm©
{d{Z`_m| Ho$ AZwnmbZH$Vm© Wo& AmR> OrdZ ~r_mH$Vm©Am| Zo
Zo 21.29 à{VeV d¥{Õ XO© H$s, dht {ZOr joÌ OrdZ
g_J« AmYma na g__yë` Am¡a g__yë`oVa (g§~Õ g{hV) _|
~r_mH$Vm©Am| Zo df© 2023-24 _| {Zdoe Am` _| 220.12
ì``m| H$s gr_mAm| H$m A{VH«$_U {H$`m Wm VWm ñWJZ
à{VeV d¥{Õ H$m AZw^d {H$`m&
(\$ma~oAaÝg) Ho$ {bE CZH$m AZwamoY Om±M Ho$ AYrZ h¡&
I.2.2.9 2023-24 Ho$ Xm¡amZ 18 OrdZ ~r_m H§$n{Z`m| Zo OrdZ ~r_m CÚmoJ Zo 2023-24 Ho$ Xm¡amZ Hw$b é.1.40 bmI
bm^m| H$s gyMZm Xr& OrdZ ~r_m CÚmoJ Ho$ bm^, 2022-23 H$amo‹S> Ho$ à~§YZ ì`` gy{MV {H$`o Omo Hw$b àr{_`_ H$m
_| XO© é. 42,788 H$amo‹S> H$s VwbZm _| 2023-24 _| é. 16.94 à{VeV Wo&
47,407 H$amo‹S> Ho$ H$a Ho$ ~mX bm^ (nrEQ>r) g{hV 10.79
à{VeV ~‹T>o& gaH$mar joÌ OrdZ ~r_mH$Vm© Zo bm^m| _| 11.75
16 Annual Report 2023-24I.2.2.11 2023-24 H$o Xma¡ mZ, OrdZ ~r_mH$VmA© m | Z o H$_reZ I.2.2.12 OrdZ ~r_mH$Vm©Am| Ho$ n[aMmbZ ì`` 2023-24
Ho$ ê$n _| é. 51,524 H$amo‹S> H$s Hw$b am{e H$m ^wJVmZ {H$`m& _| é. 89,044 H$amo‹S> VH$ 0.45 à{VeV {JamdQ> AmB© VWm
H$_reZ ì`` AZwnmV (àr{_`_ Ho$ à{VeV Ho$ ê$n _| A{^ì`º$ OrdZ ~r_m CÚmoJ Ho$ n[aMmbZ ì`` AZwnmV (OmopI_-
H$_reZ ì``) _| 2022-23 Ho$ 5.41 à{VeV go 2023-24 A§{H$V gH$b àr{_`_ Ho$ à{VeV Ho$ ê$n _| n[aMmbZ ì``)
_| 6.21 à{VeV VH$ d¥{Õ hþB©²& VWm{n, Hw$b H$_reZ ^wJVmZ _| 2022-23 Ho$ 11.43 à{VeV go 2023-24 _| 10.73
_| {nN>bo df© H$s VwbZm _| 2023-24 Ho$ Xm¡amZ 21.74 à{VeV à{VeV VH$ H$_r AmB©²&
(Hw$b àr{_`_ d¥{Õ 6.06 à{VeV) d¥{Õ hþB©²&
gmaUr I.10: OrdZ ~r_mH$Vm©Am| H$m {dÎmr` H$m`©{ZînmXZ
(am{e é. H$amo‹S> _|)
H«$. 2022-23 2023-24
{ddaU
g§. gaH$mar joÌ {ZOr joÌ CÚmoJ Hw$b gaH$mar joVa {ZOr joÌ CÚmoJ Hw$b
1 àXÎm ny±Or
1(H$) {dÎmr` df© Ho$ àma§^ _| 6,325.00 29,221.75 35,546.75 6,325.00 28,632.05 34,957.05
1(I) {dÎmr` df© Ho$ Xm¡amZ n[adY©Z 0 (-)589.70 (-)589.70 2,116.50 2,116.50
1 (J) {dÎmr` df© Ho$ A§V _| 6,325.00 28,632.05 34,957.05 6,325.00 30,748.55 37,073.55
2 H$_reZ ì``
2(H$) àW_ df© H$_reZ 12,558.62 11,872.05 24,430.67 12,358.00 17,291.90 29,649.90
{nN>bo df© H$s VwbZm _|
d¥{Õ à{VeV _| 15.96 39.17 26.19 -1.60 45.65 21.36
2(I) EH$b àr{_`_ na H$_reZ 514.77 1,085.84 1,600.61 485.56 4,079.03 4,564.59
{nN>bo df© H$s VwbZm _|
d¥{Õ à{VeV _| 0.27 1.59 0.61 -5.67 275.66 185.18
2(J) Z`m ì`dgm` H$_reZ (H$+I) 13,073.39 12,957.88 26,031.28 12,843.56 21,370.93 34,214.49
{nN>bo df© H$s VwbZm _|
d¥{Õ à{VeV _| 5.63 9.31 7.01 -1.76 64.93 31.44
2 (K) ZdrH$aU H$_reZ 12,506.97 3,783.67 16,290.65 13,115.56 4,194.00 17,309.56
{nN>bo df© H$s VwbZm _|
d¥{Õ à{VeV _| 5.16 2.24 3.96 4.87 10.84 6.25
2(L) Hw$b H$_reZ (J+K) 25,580.37 16,741.56 42,321.92 25,959.12 25,564.93 51,524.05
{nN>bo df© H$s VwbZm _|
d¥{Õ à{VeV _| 5.39 5.44 5.41 1.48 52.70 21.74
3 n[aMmbZ ì`` 48,145.60 41,297.02 89,442.62 48,121.68 40,922.23 89,043.91
{nN>bo df© H$s VwbZm _|
d¥{Õ à{VeV _| 10.14 13.42 11.43 -0.05 -0.91 -0.45
4 {Zdoe Am` 3,15,189.00 73,873.00 3,89,062.00 3,82,286.91 2,36,484.56 6,18,771.47
5 H$a Ho$ ~mX bm^ 36,397 6,391 42,788 40,675.79 6,731.49 47,407.28
6 àXÎm bm^m§g (A§V[a_ bm^m§e g{hV) 948.75 1229.91 2,178.66 4,427.50 1,549.83 5,977.33
Annual Report 2023-24 17OrdZ ~r_mH$Vm©Am| Ûmam àXÎm bm^ H$amo‹S> VH$ 15.29 à{VeV d¥{Õ hþB© {Og_| go gaH$mar joÌ
OrdZ ~r_mH$Vm© H$m à{VeV 58.36 h¡& g_rjmYrZ df© Ho$
I.2.2.13 OrdZ ~r_m CÚmoJ Zo 2023-24 _| é. 5.77 bmI
Xm¡amZ, Hw$b Aä`n©U bm^m| _| go g§~Õ nm{b{g`m| Ho$ {bE
H$amo‹S> Ho$ Hw$b bm^m| H$m ^wJVmZ {H$`m {Og_| {Zdb àr{_`_
bm^ {ZOr joÌ OrdZ ~r_mH$Vm©Am| Ho$ {bE 33.21 à{VeV aho
H$m 70.22 à{VeV em{_b h¡& Aä`n©Um| / àË`mhaUm| Ho$
Am¡a gaH$mar joÌ OrdZ ~r_mH$Vm© Ho$ {bE 1.04 à{VeV aho&
H$maU AXm {H$`o J`o ^wJVmZm| _| 2023-24 _| é. 2.29 bmI
gmaUr I.11: OrdZ ~r_mH$Vm©Am| Ho$ dmñV{dH$ _¥Ë`w Xmdo
(` H$amoS> ‘|)
Hw$b Xmdo ^wJVmZ {H$`o {ZamH¥$V AñdrH¥$V AXmdr {dÎmr` df©
I§S> {ddaU J`o Xmdo Xmdo Xmdo Xmdo Ho$ A§V _|
b§{~V Xmdo
d¡`{º$H$ nm{b{g`m| H$s g§»`m 10,00,045 9,82,615 10,375 6,033 564 458
ì`dgm` à{VeV _| 100 98.26 1.04 0.60 0.06 0.05
àXÎm am{e (< H$amo‹S> _|) 30,224 28,868 865 28 48 414
à{VeV _| 100 95.51 2.86 0.09 0.16% 1.37
gm_y{hH$ OrdZm| H$s g§»`m 14,86,853 14,80,087 4,206 253 1 2,306
ì`dgm` à{VeV _| 100 99.54 0.28 0.02 0.00 0.16
àXÎm am{e (< H$amo‹S> _|) 20,221 19,644 443 10 0 123
à{VeV _| 100 97.15 2.19 0.05 0.00 0.61
{Q>ßnUr… 1. AñdrH¥$V Xmdo Eogo Xmdo h¢ {OZna nm{bgr H$s eVm] Ho$ AZwgma {dMma Zht {H$`m Om gH$Vm&
2. {ZamH¥$V Xmdo Eogo Xmdo h¢ {OZ na ~r_m A{Y{Z`_, 1938 H$s Ymam 45 Ho$ Cn~§Ym| Ho$ AZwgma {dMma Zht {H$`m Om gH$Vm&
I.2.2.14 2023-24 Ho$ Xm¡amZ, J¡a-OrdZ ~r_m CÚmoJ Zo OrdZ ~r_mH$VmA© m | _ | g,o df © 2023-24 _ | n[aMmbZ H$aZdo mbo
{nN>bo df© H$s VwbZm _| 12.76 à{VeV H$s d¥{Õ XO© H$aVo hþE 24 {ZOr ~r_mH$VmA© m | (ñQ>S¢ >AbmZo ñdmñÏ` ~r_mH$VmA© m | g{hV)
^maV _| é. 2.90 bmI H$amo‹S> Ho$ Hw$b àË`j àr{_`_ H$m Zo {nN>bo df© H$s VwbZm _| OmopI_-A§{H$V àr{_`_ _| d¥{Õ
OmopI_-A§H$Z {H$`m& gaH$mar joÌ gmYmaU ~r_mH$Vm©Am| H$m gy{MV H$s& {deofrH¥$V ~r_mH$Vm©Am| Zo é. 11,211 H$amo‹S> H$s
A§eXmZ 2022-23 _| A§{H$V é. 82.89 bmI H$amo‹S> go am{e Ho$ gH$b àË`j àr{_`_ H$m OmopI_-A§H$Z {H$`m&
2023-24 _| é. 90,252 bmI H$amo‹S> VH$ 8.88 à{VeV gaH$mar joÌ gmYmaU ~r_mH$Vm©Am| Zo {_bH$a ~mOma A§e Ho$
~T‹ >m& {ZOr jÌo ~r_mH$VmA© m | (ñQ>S¢ >AbmZo ñdmñÏ` ~r_mH$VmA© m| 35.03 à{VeV H$m A§eXmZ {H$`m, O~{H$ {ZOr joÌ gmYmaU
g{hV) Zo 2022-23 _| XO© é.1.58 bmI H$amo‹S> H$s VwbZm _| ~r_mH$Vm©Am| Zo eof 64.97 à{VeV H$m A§eXmZ {H$`m&
é.1.88 bmI H$amo‹S> H$m OmopI_-A§H$Z {H$`m h¡& g^r J¡a-
18 Annual Report 2023-24I.2.2.16 J¡a-OrdZ ~r_m ì`dgm` Ho$ A§VJ©V {d{^Þ I§S>m|
Ho$ ~rM, ñdmñÏ` ~r_m ì`dgm` g~go ~‹S>m I§S> h¡ {OgH$m
A§eXmZ Hw$b àr{_`_ H$m 40.29 à{VeV h¡ (2022-23 _|
38.02 à{VeV)& ñdmñÏ` ~r_m I§S> Zo 19.50 à{VeV H$s
d¥{Õ gy{MV H$s (2022-23 _| 21.32 à{VeV d¥{Õ)& _moQ>a
I§S> Zo 12.91 à{VeV H$s dfm©Zwdf© d¥{Õ H$m gmjmËH$ma {H$`m
h¡ Ohm± àr{_`_ g§J«hU 2022-23 Ho$ é.81,280 H$amo‹S> go
2023-24 _| é.91,780 H$amo‹S> H$s am{e VH$ ~‹T>m& Hw$b
I.2.2.15 `wZmBQ>oS> B§{S>`m B§í`moa|g H$mo N>mo‹S>H$a VrZ gaH$mar
àr{_`_ _| _moQ>a I§S> H$m A§e {nN>bo df© Ho$ 31.64 à{VeV
joÌ ~r_mH$Vm© ^maV Ho$ ~mha gmYmaU ~r_m ì`dgm` H$m
go gr_m§V ê$n go ~‹T>H$a 31.68 à{VeV ahm& 2023-24 _|
OmopI_-A§H$Z H$a aho h¢²& BZ VrZ gaH$mar joÌ ~r_mH$Vm©Am|
A{¾ I§S> _| àr{_`_ g§J«hU 7.27 à{VeV ~‹T>m Am¡a _arZ
Ûmam Xoe Ho$ ~mha OmopI_-A§{H$V Hw$b àr{_`_ 2022-23 _|
I§S> _| 0.65 à{VeV d¥{Õ hþB©²&
XO© é. 3,434 H$amo‹S> H$s VwbZm _| 2023-24 _| 14.72
à{VeV H$s d¥{Õ A§{H$V H$aVo hþE é. 3,939 H$amo‹S> ahm&
gmaUr I.12: gmYmaU, ñdmñÏ` Am¡a {deofrH¥$V ~r_mH$Vm©Am| H$m ì`mdgm{`H$ H$m`©{ZînmXZ
(é. H$amo‹S>)
H«$. 2022-23 2023-24
g§. {ddaU gaH$mar {ZOr EgEEM {deofrH¥$V CÚmoJ gaH$mar {ZOr EgEEM {deofrH¥$V CÚmoJ
joÌ joÌ AmB© ~r_mH$Vm© Hw$b joÌ joÌ AmB© ~r_mH$Vm© Hw$b
1 ^maV ‘o gH$b 82,891.26 1,31,941.83 26,243.85 15,817.32 2,56,894.27 90,252.13 1,55,090.19 33,119.30 11,211.34 2,89,683.22
àË`j àr{_`_ (10.47) (20.22) (25.77) (5.12) (16.4) (8.88) (17.55) (26.20) (-29.12) (12.76)
2 ^maV ‘o Am¡a
~mha gH$b àË`j 86,324.81 1,31,941.83 26,243.85 15,817.32 2,60,327.82 94,191.20 1,55,090.19 33,119.30 11,211.34 2,93,622.30
àr{_`_ (10.2) (20.22) (25.77) (5.12) (16.22) (9.11) (17.55) (26.20) (-29.12) (12.79)
3 OmopI_-A§{H$V
I§S>-dma àr{_`_
(^maV ‘o)
3H$ A{¾ 8,889.69 15,046.44 bmJy Zht bmJy Zht 23,936.12 9,223.41 16,443.11 bmJy Zht bmJy Zht 25,666.52
3I _arZ 2,155.49 2,903.17 bmJy Zht bmJy Zht 5,058.66 2,157.53 2,933.96 bmJy Zht bmJy Zht 5,091.49
3J _moQ>a 23,689.90 57,590.14 bmJy Zht bmJy Zht 81,280.04 25,817.49 65,963.05 bmJy Zht bmJy Zht 91,780.54
3K ñdmñÏ` (d¡`{º$H$
XþK©Q>Zm g{hV) 41,172.21 30,247.44 26,243.85 bmJy Zht 97,663.50 43,567.17 40,007.47 33,119.30 bmJy Zht 1,16,693.95
3L AÝ` 6,983.97 26,154.66 bmJy Zht 15,817.32 48,955.94 9,486.54 29,742.60 - 11,211.34 50,440.48
3M Hw$b 82,891.26 1,31,941.83 26,243.85 15,817.32 2,56,894.27 90,252.13 1,55,090.19 33,119.30 11,211.34 2,89,672.97
4 Omar H$s JB© 603.74 1,699.84 138.26 576.26 3,018.1 645.72 2,004.72 151.11 558.32 3,359.88
nm{b{g`m± (bmI _|) (-4.46) (19.41) (9.78) (21.24) (13.6) (6.95) (17.94) (9.29) (-3.11) (11.32)
5 {Zdb CnJV Xmdo 70,643.49 60,201.57 12,787.28 5,680.40 1,49,312.74 77,970.83 73,084.55 16,630.62 4,604.46 1,72,290.45
{Q>ßnUr… H$moð>H$ _| Am§H$‹S>o d¥{Õ à{VeV Xem©Vo h¢²&
Annual Report 2023-24 19gmYmaU, ñdmñÏ` ~r_mH$Vm©Am| Am¡a {deofrH¥$V
~r_mH$Vm©Am| H$m {dÎmr` H$m`©{ZînmXZ
I.2.2.17 31 _mM© 2024 H$s pñW{V Ho$ AZwgma, g^r J¡a-
OrdZ ~r_mH$Vm©Am| H$s g§`wº$ àXÎm ny±Or é. 42,245 H$amo‹S>
ahr, Ohm± {nN>bo df© H$s é.40,375 H$amo‹S> H$s am{e go d¥{Õ
Xem©Vr h¡& 2023-24 Ho$ Xm¡amZ, gmYmaU Am¡a ñdmñÏ`
~r_mH$Vm©Am| Zo AnZo B©{¹$Q>r ny±Or AmYma _| é. 1,870 H$amo‹S>
H$m n[adY©Z {H$`m& {ZOr joÌ gmYmaU ~r_mH$Vm©Am| Zo Cº$
{dÎmr` df© _| é. 1,065 H$amo‹S> bJm`o, O~{H$ ñQ>¢S>AbmoZ
I.2.2.20 {dÎmr` df © 2023-24 H$o Xma¡ mZ, EH$ {ZOr ~r_mH$Vm©
ñdmñÏ` ~r_mH$Vm©Am| Zo é. 805 H$amo‹S> H$s ny±Or H$s am{e
à~§YZ ì``m| (B©AmoE_) go g§~§{YV _mZX§S>m| H$s Ny>Q> Ad{Y Ho$
A§V{d©ï> H$s& A§VJ©V Wm Š`m|{H$ Cº$ ~r_mH$Vm© H$mo n[aMmbZm| Ho$ AnZo
àW_ nm±M df© A^r nyao H$aZo Wo& eof ~r_mH$Vm©Am| _| go 16
I.2.2.18 {dÎmr` df© 2023-24 Ho$ Xm¡amZ, gmYmaU ~r_m
~r_mH$Vm© AZwnmbZH$Vm© Wo, 15 ~r_mH$Vm© AZZwnmbZH$Vm© Wo
H§$n{Z`m| Zo é. 1,687 H$amo‹S> H$s AÝ` àH$ma H$s ny±Or OwQ>mB© Am¡a ñWJZ (\$ma~oAaÝg) Ho$ {bE CZH$m AZwamoY Om±M Ho$
h¡& 31 _mM© 2024 H$s pñW{V Ho$ AZwgma Hw$b AÝ` àH$ma H$s AYrZ h¡& [abm`§g hoëW B§í`moa|g {b. Ho$ _m_bo _|, CgH$m
ì`dgm` g§{d^mJ [abm`§g OZab B§í`moa|g H§$nZr {b. H$mo
ny±Or é. 6,014 H$amo‹S> h¡&
A§V[aV {H$`m J`m h¡ VWm Xmo Z`o ~r_mH$Vm©Am| AWm©V² Zmam`Um
I.2.2.19 H$_reZ ì`` Am¡a n[aMmbZ ì`` Hw$b ì``m| H$m OZab B§í`moa|g {b{_Q>oS> Am¡a J¡bŠgr hoëW EÊS> Abm`S>
B§í`moa|g H§$nZr {b{_Q>oS> Zo {dÎmr` df© 2023-24 _| AnZo
~‹S>m ^mJ ~ZVo h¢²& gaH$mar joÌ gmYmaU ~r_mH$Vm©Am|, {ZOr
n[aMmbZ àma§^ Zht {H$`o h¢&
gmYmaU ~r_mH$Vm©Am|, ñQ>¢S>AbmoZ ñdmñÏ` ~r_mH$Vm©Am| Am¡a
{deofrH¥$V ~r_mH$Vm©Am| Ho$ gH$b H$_reZ ì`` 2023-24 Ho$ I.2.2.21 2023-24 Ho$ Xm¡amZ g^r J¡a-OrdZ ~r_mH$Vm©Am|
{bE H«$_e… é. 7,359 H$amo‹S>, é. 26,235 H$amo‹S>, é. 5,940 H$s {Zdoe Am` é.44,129 H$amo‹S> (2022-23 _| é.38,839
H$amo‹S>) Wr {OgZo 13.62 à{VeV d¥{Õ XO© H$s& gaH$mar joÌ
H$amo‹S> Am¡a é. 66 H$amo‹S> na aho, Bg àH$ma g§M`r Vm¡a na J¡a-
~r_mH$Vm©Am|, {ZOr joÌ ~r_mH$Vm©Am|, ñQ>¢S>AbmoZ ñdmñÏ`
OrdZ ~r_m CÚmoJ Ho$ {bE é. 39,601 H$amo‹S> H$m Hw$b gH$b
~r_mH$Vm©Am| Am¡a {deofrH¥$V ~r_mH$Vm©Am| H$s {Zdoe Am` _|
H$_reZ ì`` {H$`m J`m& J¡a-OrdZ ~r_mH$Vm©Am| Ho$ n[aMmbZ
d¥{Õ H«$_e… 3.40 à{VeV, 24.49 à{VeV, 37.74 à{VeV
ì`` 2022-23 _| XO© é.54,862 H$amo‹S> H$s VwbZm _| 2023- Am¡a 10.66 à{VeV Wr&
24 _| é.38,653 H$amo‹S> na aho, Bg àH$ma 29.55 à{VeV H$s
I.2.2.22 J¡a-OrdZ ~r_mH$Vm©Am| H$s OmopI_-A§H$Z hm{Z`m|
g_J« H$_r Xem©B© JB©²& gaH$mar joÌ gmYmaU ~r_mH$Vm©Am|,
_| 2023-24 _| é. 28,555 H$amo‹S> VH$ H$_r AmB© ({nN>bo
{ZOr gmYmaU ~r_mH$Vm©Am|, ñQ>¢S>AbmoZ ñdmñÏ` ~r_mH$Vm©Am|
df© _| é. 32,797 H$amo‹S>)& Cº$ hm{Z`m± {nN>bo df© H$s VwbZm
Am¡a {deofrH¥$V ~r_mH$Vm©Am| Ho$ n[aMmbZ ì`` 2023-24 Ho$ _| 12.93 à{VeV H$_ hþBª²& gaH$mar joÌ ~r_mH$Vm©Am| H$s
{bE H«$_e… é.14,658 H$amo‹S>, é.17,482 H$amo‹S>, é.5,765 OmopI_-A§H$Z hm{Z`m± é.18,862 H$amo‹S> H$s J¡a-OrdZ CÚmoJ
hm{Z`m| H$m 66 à{VeV Wt VWm eof {ZOr joÌ ~r_mH$Vm©Am|
H$amo‹S> Am¡a é.747 H$amo‹S> na aho&
H$s Wt Omo é. 10,758 H$amo‹S> Wt²& ñQ>¢S>AbmoZ ñdmñÏ`
20 Annual Report 2023-24~r_mH$Vm©Am| Zo 2023-24 _| OmopI_-A§H$Z hm{Z`m| _| d¥{Õ {ZOr joÌ gmYmaU ~r_mH$Vm©Am| Ho$ {bE é. 5,983 H$amo‹S> Wm,
gy{MV H$s Omo 2022-23 _| XO© é.529 H$amo‹S> H$s OmopI_- {deofrH¥$V ~r_mH$Vm©Am| Ho$ {bE é. 3,063 H$amo‹S> Wm Am¡a
A§H$Z hm{Z H$s VwbZm _| é.723 H$amo‹S> h¡& {deofrH¥$V ñQ>¢S>AbmoZ ñdmñÏ` ~r_mH$Vm©Am| Ho$ {bE é. 915 H$amo‹S> Wm&
~r_mH$Vm©Am| H$m OmopI_-A§H$Z bm^ 2022-23 Ho$ é. 1,747
I.2.2.24 df© 2023-24 Ho$ Xm¡amZ, gaH$mar joÌ gmYmaU
H$amo‹S> go ~‹T>H$a 2023-24 _| é. 1788 H$amo‹S> hþAm²&
~r_mH$Vm©Am| Zo é. 318.06 H$amo‹S> Ho$ bm^m§e H$m ^wJVmZ
I.2.2.23 df© 2023-24 Ho$ Xm¡amZ, J¡a-OrdZ ~r_m joÌ H$m {H$`m& VWm{n, N>h {ZOr joÌ gmYmaU ~r_mH$Vm©Am| Zo g§`wº$
g_J« bm^ 2022-23 _| XO© é. 2,566 H$amo‹S> H$s {Zdb hm{Z ê$n go é. 1,403.50 H$amo‹S> H$s am{e Ho$ bm^m§em| H$m ^wJVmZ
H$s VwbZm _| é.10,119 H$amo‹S> VH$ ~‹T>m& gaH$mar joÌ H§$n{Z`m| {H$`m& 2023-24 _| {H$gr ^r ñQ>¢S>-AbmoZ ñdmñÏ` ~r_mH$Vm©
Zo é. 157 H$amo‹S> H$m bm^ gy{MV {H$`m& H$a Ho$ ~mX bm^ Am¡a {deofrH¥$V ~r_mH$Vm© Zo bm^m§em| H$m ^wJVmZ Zht {H$`m&
gmaUr I.13: gmYmaU, ñdmñÏ` Am¡a {deofrH¥$V ~r_mH$Vm©Am| Ho$ {dÎmr` H$m`©{ZînmXZ g§Ho$VH$
(é. H$amo‹S>)
H«$. {ddaU 2022-23 2023-24
g§. I§S> gaH$mar {ZOr EgE EM {deofrH¥$V Hw$b gaH$mar {ZOr EgE EM {deofrH¥$V Hw$b
joÌ joÌ AmB© ~r_mH$Vm© joÌ joÌ AmB© ~r_mH$Vm©
1 gmYmaU, ñdmñÏ` Am¡a {deofrH¥$V ~r_mH$Vm©Am| H$s àXÎm ny±Or
{dÎmr` df© Ho$
àma§^ _| 18,724.00 10,341.76 4,639.33 4,150.00 37,855.09 18,724.00 12,033.19 5,080.10 4,538.00 40,375.29
df© Ho$ Xm¡amZ
n[adY©Z 0.00 1691.43 440.77 388.00 2,520.20 0.00 1064.86 805.18 0.00 1870.04
{dÎmr` df© Ho$
A§V _| 18,724.00 12,033.19 5,080.10 4,538.00 40,375.29 18,724.00 13,098.05 5,885.29 4,538.00 42,245.34
2 H$_reZ ì``
2(H$) A{¾ 1,051.91 1,322.54 bmJy Zht bmJy Zht 2,374.45 1,224.28 1,944.19 bmJy Zht bmJy Zht 3,168.48
2(I) _arZ 193.40 324.00 bmJy Zht bmJy Zht 517.4 201.57 411.61 bmJy Zht bmJy Zht 613.19
2(J) _moQ>a 2,355.06 4,890.36 bmJy Zht bmJy Zht 7,245.42 3,099.07 16,578.20 bmJy Zht bmJy Zht 19,677.27
2(K) ñdmñÏ` 1,958.56 2,732.89 3486.64 bmJy Zht 8,178.09 1,926.58 5,570.75 5,939.98 bmJy Zht 13,437.31
2(L) AÝ` 781.96 922.54 bmJy Zht 124.84 1,829.34 907.66 1730.46 bmJy Zht 66.21 2,704.33
H$wb 6,340.89 10,192.33 3,486.64 124.84 20,144.70 7,359.16 26,235.22 5,939.98 66.21 39,600.56
3 n[aMmbZ ì`` 21,012.59 27,169.30 5,955.18 719 54,856.06 14,658.09 17,482.14 5,765.17 747.42 38652.83
4 {Zdoe Am` 19,655.63 15,585.69 1,551.59 2,046.48 38,839.38 20,324.02 19,403.36 2137.10 2,264.55 44129.04
5 H$a Ho$ ~mX bm^ -10,607.44 4,664.69 447.21 2,929.84 -2,565.70 157.34 5,983.35 914.75 3,063.28 10118.72
6 OmopI_-A§H$Z
bm^/hm{Z`m± -25,316.56 -8,698.81 -528.8 1,746.69 -32797.47 -18,862.47 -10,758.37 -722.82 1788.39 -28555.27
7 àXÎm bm^m§e 49.44 1166.21 0.00 40.00 1255.65 318.06 1403.50 0 40.0 1761.56
Annual Report 2023-24 21gmYmaU ~r_mH$Vm©Am|, ñdmñÏ` ~r_mH$Vm©Am| Am¡a Xm¡amZ 82.52 à{VeV Wm& gaH$mar joÌ ~r_mH$Vm©Am| Ho$ {bE
{deofrH¥$V ~r_mH$Vm©Am| Ho$ Xmdo… CnJV Xmdm AZwnmV {nN>bo df© Ho$ 99.02 à{VeV Ho$ CnJV
Xmdm AZwnmV H$s VwbZm _| df© 2023-24 Ho$ {bE 97.23
I.2.2.25 2023-24 Ho$ Xm¡amZ, g_J« {Zdb CnJV Xmdm| Zo
à{VeV Wm& O~{H$ {ZOr jÌo gmYmaU ~r_mH$VmA© m,| ñQ>S¢ >AbmZo
{nN>bo df© Ho$ é. 1.72 bmI H$amo‹S> H$s am{e H$s VwbZm _|
ñdmñÏ` ~r_mH$Vm©Am| Am¡a {deofrH¥$V ~r_mH$Vm©Am| Ho$ {bE
15.39 à{VeV d¥{Õ gy{MV H$s ({nN>bo df© Ho$ Xm¡amZ é.1.49
CnJV Xmdm AZwnmV {nN>bo df© Ho$ H«$_e… 75.13 à{VeV,
bmI H$amo‹S>)& AbJ go, gaH$mar joÌ gmYmaU ~r_mH$Vm©Am|,
61.44 à{VeV Am¡a 73.71 à{VeV H$s VwbZm _| df© 2023-
{ZOr joÌ gmYmaU ~r_mH$Vm©Am| Am¡a ñQ>¢S>AbmoZ ñdmñÏ`
24 Ho$ {bE H«$_e… 76.49 à{VeV, 63.63 à{VeV Am¡a
~r_mH$Vm©Am| Zo H«$_e… 10.37 à{VeV, 21.4 à{VeV Am¡a
66.58 à{VeV Wo&
30.06 à{VeV H$s d¥{Õ gy{MV H$s, O~{H$ {deofrH¥$V
~r_mH$Vm©Am| Zo CnJV Xmdm| _| 18.94 à{VeV H$_r H$s gyMZm
Xr&
I.2.2.26 J¡a-OrdZ ~r_m CÚmoJ H$m CnJV Xmdm AZwnmV
({Zdb A{O©V àr{_`_ H$s VwbZm _| {Zdb CnJV Xmdo)
{nN>bo df© Ho$ 82.95 à{VeV H$s VwbZm _| 2023-24 Ho$
gmaUr I.14: gmYmaU, ñdmñÏ` Am¡a {deofrH¥$V ~r_mH$Vm©Am| H$m I§S>-dma CnJV Xmdm AZwnmV
H$«_ 2022-23 2023-24
g§. gaH$mar {ZOr ñQ>¢S>- {deofrH¥$V Hw$b gaH$mar {ZOr ñQ>¢S>- {deofrH¥$V Hw$b
{ddaU jÌo jÌo AbmZo ~r_mH$Vm© jÌo jÌo AbmZo ~r_mH$Vm©
ñdmñÏ` ñdmñÏ`
~r_mH$Vm© ~r_mH$Vm©
H$ A{¾ 66.21 44.11 bmJy Zht bmJy Zht 57.99 83.46 69.67 bmJy Zht bmJy Zht 78.33
I _arZ 56.89 87.90 bmJy Zht bmJy Zht 75.13 54.01 83.50 bmJy Zht bmJy Zht 72.39
J _moQ>a 102.55 75.60 bmJy Zht bmJy Zht 84.48 99.57 73.30 bmJy Zht bmJy Zht 81.98
K ñdmñÏ` 105.77 80.09 61.44 bmJy Zht 87.27 103.16 83.49 63.63 bmJy Zht 86.35
L AÝ` 78.15 69.58 bmJy Zht 73.71 73.10 75.26 74.98 bmJy Zht 66.58 72.78
Hw$b 99.02 75.13 61.44 73.71 82.95 97.23 76.49 63.63 66.58 82.52
I.2.2.27 {dÎm df© 2023-24 Ho$ Xm¡amZ {d{eï> ~r_m H§$n{Z`m|
g{hV gm_mÝ` ~r_m H§$n{Z`m| Zo Hw$b <1,01,050 H$amo‹S> Ho$
Xmdm| (ñdmñÏ` ~r_m H$mamo~ma H$mo N>mo‹S>H$a) H$m ^wJVmZ {H$`m
h¡& Bg_| go {ZOr gm_mÝ` ~r_m H§$n{Z`m| Zo 55 à{VeV `mZr
<55,524 H$amo‹S> H$m ^wJVmZ {H$`m h¡, O~{H$ nrEg`y gm_mÝ`
~r_m H§$n{Z`m| Zo 32 à{VeV `mZr <32,131 H$amo‹S> H$m
^wJVmZ {H$`m h¡& {d{eï> ~r_m H§$n{Z`m| Zo <13,396 H$amo‹S>
`mZr 13 à{VeV H$m ^wJVmZ {H$`m h¡&
22 Annual Report 2023-24gmaUr I.15: gmYmaU ~r_m H§$n{Z`m| Ûmam ^wJVmZ {H$E JE ì`dgm`-dma Xmdo
(ñdmñÏ` ~r_m ì`dgm` H$mo N>mo‹S>H$a) (é. H$amo‹S>)
Eb.Amo.~r gaH$mar joÌ {ZOr-EgEEMAmB© H$mo N>mo‹S>H$a {deofrH¥$V
A{¾ 4,696 5,791 -
_arZ (H$mJm}) 659 1,797 -
_arZ (nVdma) 380 59 -
{d_mZZ 85 110 -
B§Or{Z`[a¨J 684 771 -
_moQ>a Amo.S>r. 8,858 18,420 -
_moQ>a Q>rnr 14,233 13,517 -
Xo`Vm ~r_m 194 886 -
\$gb ~r_m 1,251 12,408 12,938
H«o${S>Q> ~r_m 49 91 450
AÝ` g^r {d{dY 1,042 1,674 7
Hw$b 32,131 55,524 13,396
~r_mH$Vm©Am| Ho$ ì`dgm` Ho$ ñWmZ I.2.2.29 31 _mM© 2024 H$s pñW{V Ho$ AZwgma, gaH$mar
joÌ OrdZ ~r_mH$Vm© Ho$ nmg Xoe _| 785 {Obm| _| go 696
OrdZ ~r_m joÌ
{Obm| _| H$m`m©b` Wo, Omo g^r {Obm| Ho$ 89 à{VeV H$mo
I.2.2.28 OrdZ ~r_m H$m`m©b`m| H$s g§»`m 31 _mM© 2024 gpå_{bV H$aVo h¢, O~{H$ {ZOr joÌ OrdZ ~r_mH$Vm©Am| Ho$
H$s pñW{V Ho$ AZwgma 11,517 Wr, Omo {nN>bo df© H$s VwbZm 621 {Obm| _| H$m`m©b` Wo, Omo Xoe _| g^r {Obm| Ho$ 79
_| 261 A{YH$ h¡& OrdZ ~r_m H$m`m©b`m| H$m bJ^J 60 à{VeV H$mo H$da H$aVo h¢²& gaH$mar Am¡a {ZOr ~r_mH$Vm©Am| Zo
à{VeV ñVa I Ho$ÝÐm| _| h¢ Ohm± OZg§»`m EH$ bmI Am¡a Cggo {_bH$a Xoe _| g^r {Obm| Ho$ bJ^J 90 à{VeV H$mo H$da
A{YH$ h¡& OrdZ ~r_m H$m`m©b`m| H$m bJ^J 0.77 à{VeV {H$`m h¡& 36 amÁ`m|/g§KamÁ` joÌm| (`yQ>r) _| go 20 _| g^r
ñVa VI Ho$ÝÐm| _| h¡ Omo 5,000 go H$_ OZg§»`m go `wº$ h¢²& {Obm| H$mo OrdZ ~r_m H$m`m©b`m| Ho$ Ûmam H$da {H$`m J`m h¡&
{H$gr OrdZ ~r_m H$m`m©b` Ho$ {~Zm ah J`o {Obm| H$s g§»`m
Xoe _| 80 h¡, {OZ_| go 73 {Obo CÎma-nydu amÁ`m| Ho$ h¢²&
gmaUr I.16: OrdZ ~r_mH$Vm©Am| Ho$ H$m`m©b`
31 _mM© 2023 H$mo 31 _mM© 2024 H$mo
ñWmZ
gaH$mar joÌ {ZOr joÌ Hw$b gaH$mar joÌ {ZOr joÌ Hw$b
ñVa I 1,855 4,834 6,689 1,858 5,024 6,882
ñVa II 562 749 1,311 562 786 1,348
ñVa III 1,360 496 1856 1,360 515 1,875
ñVa IV 1,043 114 1157 1,043 120 1,163
ñVa V 126 31 157 126 34 160
ñVa VI 55 31 86 55 34 89
Hw$b 5,001 6,255 11,256 5,004 6,513 11,517
ñVa I - OZg§»`m 1,00,000 Am¡a Cggo A{YH$ ñVa II - OZg§»`m 50,000 go 99,999 VH$ ñVa III - OZg§»`m 20,000 go 49,999 VH$
ñVa IV - OZg§»`m 10,000 go 19,999 VH$ ñVa V - OZg§»`m 5,000 go 9,999 VH$ ñVa VI - OZg§»`m 5,000 go H$_
Annual Report 2023-24 23gmaUr I.17: gmYmaU, ñdmñÏ` Am¡a {deofrH¥$V ~r_mH$Vm©Am| Ho$ H$m`m©b`
31 _mM© 2023 H$mo 31 _mM© 2024 H$mo
ñWmZ
gaH$mar {ZOr EgEEMAmB©© {deofrH¥$V Hw$b gaH$mar {ZOr EgEEMAmB© {deofrH¥$V Hw$b
ñVa I 3,477 2,449 1,220 72 7,218 3,296 2,579 1,325 73 7,273
ñVa II 783 170 177 - 1,130 711 270 186 0 1,167
ñVa III 781 48 107 - 936 658 71 118 0 847
ñVa IV 405 14 22 - 441 320 21 27 0 368
ñVa V 124 16 0 - 140 114 13 0 0 127
ñVa VI 42 9 1 - 52 38 0 1 0 39
Hw$b 5,612 2,706 1,527 72 9,917 5,137 2,954 1,657 73 9,821
gmYmaU Am¡a ñdmñÏ` ~r_m joÌ I.2.2.31 gmYmaU ~r_mH$Vm©Am| Ho$ 5948 (72.86 à{VeV)
H$m`m©b` 1,00,000 go A{YH$ OZg§»`m dmbo ñVa I joÌm| _|
I.2.2.30 31 _mM© 2024 H$s pñW{V Ho$ AZwgma, gmYmaU
pñWV h¢²& gmYmaU ~r_mH$Vm©Am| Ho$ 981 H$m`m©b` (12.02
~r_mH$Vm© Xoe ^a _|, {dÎmr` df© 2022-23 Ho$ {bE 8,390
à{VeV) 50,000 Am¡a 99,999 Ho$ ~rM H$s OZg§»`m go `wº$
H$m`mb© `m | H$o _Hw $m~b o 8164 H$m`mb© `m | g o (ñQ>S¢ >AbmZo ñdmñÏ`
ñVa II joÌm| _| pñWV h¢²& gmYmaU ~r_mH$Vm©Am| Ho$ 728 (8.92
~r_mH$Vm©Am| H$mo N>mo‹S>H$a) n[aMmbZ H$a aho Wo& {nN>bo {dÎmr`
à{VeV) H$m`mb© ` 20,000 Ama¡ 49,999 H$o ~rM H$s OZg»§ `m
df© go VwbZm H$aZo na, gaH$mar joÌ gmYmaU ~r_mH$Vm©Am| Ho$
go `wº$ ñVa III joÌm| _| pñWV h¢& gmYmaU ~r_mH$Vm©Am| Ho$
{bE 475 H$m`mb© `m | H$s H$_r h,¡ {ZOr jÌo gmYmaU ~r_mH$VmA© m|
341 (4.18 à{VeV) H$m`m©b` 10,000 Am¡a 19,999 Ho$
H$o {bE 246 H$m`mb© `m | H$s d{¥Õ h ¡ VWm {defo rH$¥V ~r_mH$VmA© m|
~rM H$s Am~mXr dmbo ñVa IV joÌm| _| h¢& gmYmaU ~r_mH$Vm©Am|
Ho$ {bE 1 H$m`m©b` H$s d¥{Õ h¡& g_J« ê$n _| {nN>bo {dÎmr`
Ho$ 127 (1.56 à{VeV) H$m`m©b` 5,000 go 9,999 Ho$ ~rM
df© H$s VwbZm _| 226 gmYmaU ~r_m H$m`m©b`m| H$s H$_r h¡
H$s OZg§»`m go `wº$ ñVa V joÌm| _| h¢& gmYmaU ~r_mH$Vm©Am|
(ñQ>¢S>AbmoZ ñdmñÏ` ~r_mH$Vm©Am| H$mo N>mo‹S>H$a)&
Ho$ 38 (0.47 à{VeV) H$m`m©b` 5,000 go H$_ OZg§»`m
dmbo ñVa VI joÌm| _| pñWV h¢&
24 Annual Report 2023-24I.2.2.32 31 _mM© 2024 H$s pñW{V Ho$ AZwgma, ñQ>¢S>- I.4 ~r_m ~mOma H$mo {dH${gV H$aZo Ho$ {bE Zr{V`m± Am¡a
AbmoZ ñdmñÏ` ~r_mH$Vm©Am| (EgEEMAmB©) Ho$ H$m`m©b`m| H$s
Cnm`
g§»`m 1,657 ahr, O~{H$ `h 31 _mM© 2023 H$mo 1,527 Wr&
Bg pñW{V Ho$ hmoVo hþE, {dÎmr` df© 2023-24 Ho$ Xm¡amZ,
I.4.1 à{V^y ~r_m {Xem{ZX}em| g§~§Yr AmemoYZ
EgEEMAmB© H§$n{Z`m| Ho$ 130 H$m`m©b`m| H$s ~‹T>moVar h¡&
H$m`m©b`m| Ho$ {Q>`a-dma dJuH$aU Ho$ AZwgma `h nm`m J`m h¡
I.4.1.1 AmB©AmaS>rEAmB© Zo à{V^y ~r_m {Xem{ZX}e, 2022
{H$ H$m`m©b`m| H$m 80 à{VeV (1,325 H$m`m©b`) ñVa-I
Ho$ g§emoYZ Ho$ g§~§Y _| n[anÌ {XZm§H$ 15 _B© 2023 Omar
ZJam| _| h¡, Cº$ H$m`m©b`m| H$m 11 à{VeV (186 H$m`m©b`)
{H$`m& Cº$ {Xem{ZX}em| Zo I§S> 6.1(H$) Ho$ A§VJ©V {ZYm©[aV
ñVa-II eham| _| pñWV h¡, Cº$ H$m`m©b`m| H$m 7 à{VeV (118
H$m`m©b`) ñVa-III eham| _| pñWV h¢ VWm Cº$ H$m`m©b`m| H$m {H$`m {H$ gmYmaU ~r_mH$Vm© à{V^y ì`dgm` H$m OmopI_-
2 à{VeV (27 H$m`m©b`) ñVa-IV eham| _| pñWV h¡& ñQ>¢S>- A§H$Z Ho$db V^r H$a gH$Vm h¡ O~ emoYZ-j_Vm _m{O©Z H$m
AbmoZ ñdmñÏ` ~r_mH$Vm©Am| Ho$ H$moB© H$m`m©b` ñVa-V _| Zht
AZwajU emoYZ-j_Vm Ho$ ñVa go 1.25 JwZm go AÝ`yZ Vm¡a na
h¢ Am¡a ñVa-VI eham| _| BZH$m EH$ H$m`m©b` h¡&
{H$`m OmVm h&¡ g^r dm{UpÁ`H$ Ama¡ g{§dXmJV à{V^ y Anjo mAm|
I.3 àm{YH¥$V ~r_mH$Vm©Am|/nwZ~u_mH$Vm©Am| H$s g§»`m VH$ à{V^y ~r_m Ho$ Xm`ao H$m {dñVma H$aZo Ho$ AZwgaU _|
Am¡a {ddaU à{V^ y~r_m CËnmX àñVm{dV H$aZ ohVo wg^r gmYmaU ~r_mH$VmA© m|
H$mo g_W© ~ZmZo Ho$ {bE Bg Anojm H$mo dmng {b`m J`m h¡&
I.3.1 31.03.2024 H$s pñW{V Ho$ AZwgma, n§OrH¥$V
BgHo$ Abmdm, Cº$ {Xem{ZX}em| Ho$ 6.4(K) Ho$ A§VJ©V g§{dXm
~r_mH$Vm©Am| Am¡a nwZ~u_mH$Vm©Am| H$s Hw$b g§»`m 73 Wr&
^maV _| n[aMmbZ H$aZodmbo 26 OrdZ ~r_mH$Vm©, 25 gmYmaU _yë` Ho$ 30 à{VeV VH$ {Z~ª{YV Jma§Q>r H$s gr_m g§{dXmAm|
~r_mH$Vm© Am¡a 7 ñQ>¢S>AbmoZ ñdmñÏ` ~r_mH$Vm© h¢²& n§OrH¥$V H$s AnojmE± nyar H$aZo Ho$ {bE hQ>mB© JB© h¡&
~r_mH$Vm©Am| Am¡a nwZ~u_mH$Vm©Am| H$s gyMr AZw~§Y 1 _| Xr
JB© h¡& BZ n[adV©Zm| H$m bú` à{V^y ~r_m CËnmXm| H$s A{^Jå`Vm H$mo
gmaUr I.18: n§OrH¥$V ~r_mH$Vm©Am| Am¡a ~‹T>mZm h¡ Am¡a AW©ì`dñWm Ho$ {d{^Þ joÌm|, {deof ê$n go
nwZ~u_mH$Vm©Am| H$s g§»`m
~w{Z`mXr g§aMZm joÌ _| ~‹T>Vr hþB© _m§J H$mo nyam H$aZo _|
gaH$mar {ZOr
~r_mH$Vm© H$m àH$ma Hw$b gh^m{JVm H$aZo Ho$ {bE A{YH$ ~r_mH$Vm©Am| H$mo àmoËgm{hV
joÌ joÌ
H$aZm h¡&
OrdZ 1 25 26
gmYmaU 4 21 25
I.4.2 ì`mnm[aH$ F$U ~r_m {Xem{ZX}em| H$m AmemoYZ
{deofrH¥$V 2 - 2
ñQ>¢S>AbmoZ ñdmñÏ` - 8 8
I.4.2.1 AmB©AmaS>rEAmB© Zo IarXXmam| Ho$ Ûmam dñVwAm| Am¡a
nwZ~u_mH$Vm©/
godmAm| Ho$ {bE ^wJVmZ Z H$aZo Ho$ OmopI_ Ho$ {déÕ ì`dgm`
E\$Ama~rEg 1 11 12
H$m g§ajU H$aZo Ho$ {bE {gV§~a 2021 _| ì`mnm[aH$ CYma
Hw$b 8 65 73#
~r_m g§~§Yr {Xem{ZX}e Omar {H$`o& BZ {Xem{ZX}em| Zo Eogm
{Q>ßnUr… AmB©AmaS>rEAmB© Zo AmXoe g§X^© g§. AmB©AmaS>rEAmB©/E\$EÊS>E/
AmoAmaS>r/ EgAmoEbnr/200/11/2019 {XZm§H$ 06 Zd§~a 2019 Ho$ Ûmam {d{Z`m_H$ T>m±Mm {ZYm©[aV {H$`m {OgZo Amny{V©H$Vm©Am| Ed§
[abm`§g hoëW B§í`moa|g {b. H$mo ZB© nm{b{g`m| H$s {~H«$s amoH$Zo Ho$ {bE {ZXoe
~¢H$m| Am¡a AÝ` {dÎmr` g§ñWmAm| Ho$ {bE ì`mnm[aH$ CYma
Omar {H$`o&
~r_m H$dam| H$mo gwgmÜ` ~Zm`m&
AmB©AmaS>rEAmB© Ûmam CZHo$ AmXoe {XZm§H$ 2.6.2023 Ho$ AZwgma ghmam
B{§S>`m bmB\$ Bí§`maog| H$§nZr {b. (EgAmBE©bAmBg© r) H$m OrdZ ~r_m ì`dgm`
Eg~rAmB© bmB\$ B§í`moa|g H§$nZr {b. (Eg~rAmB© bmB\$) H$mo A§V[aV {H$`m AmBA© maS>rEAmB © Z o Q>rAmaBS© >rEg ßbQo >\$m_m ] na à{VdVu \$¡ŠQ>[aJ¨
J`m h¡&
boZXoZm| Ho$ {déÕ ì`mnm[aH$ CYma ~r_m H$da H$s ì`dhm`©Vm
#Cnamoº$ gyMr ‘| [abm¶§g hoëW B§í¶moa|g {b{‘Q>oS> Am¡a ghmam bmB’$ B§í¶moa|g
H$s Om±M H$s& ì`mnm[aH$ CYma ~r_m H$da {dÎmXmVmAm| H$mo
H§$nZr {b{‘Q>oS> XmoZm| em{‘b h¡&
Annual Report 2023-24 25Q>rAmaB©S>rEg ßboQ>\$m_© na {dÎmnmofU {H$`o J`o ~rOH$m| Ho$ gyMZm CnbãY H$amZo Ho$ {bE A{^H$pënV h¡, {Og_| AÝ`
~mVm| Ho$ gmW-gmW ã`moam O¡go nm{bgr H$m Zm_, H$daoO,
AmYma na IarXma H$s MyH$ H$mo H$da H$aZo Ho$ {bE {X`m OmVm
àVrjm Ad{Y`m±, gr_mE±, AndO©Z, Am¡a _w»` g§H$ënZmE±
h&¡ AmBA© maS>rEAmB © (ì`mnm[aH$ CYma ~r_m) {Xem{ZXe} , 2021
em{_b H$s OmVr h¢²& ~r_m godmAm| Ho$ A§{V_ J§Vì` na {dVaU
~rOH$ ^wZmB© B©-ßboQ>\$m_m], O¡go Q>rAmaB©S>rEg, na {~b ^wZmB©
_| J{V bmZm&
/ \¡$ŠQ>[a¨J Ho$ Ûmam EH$b ~rOH$ H$dam| H$s AZw_{V XoVo h¢²&
VWm{n, `o Q>rAmaB©S>rEg _| Mm¡Wo gh^mJr Ho$ ê$n _| gh^m{JVm
I.4.4 {Xì¶§mJOZ, EMAmB©dr/ES²g Am¡a _mZ{gH$
H$aZo Ho$ {bE à{VdVu \¡$ŠQ>[a¨J boZXoZm| Ho$ AmYma na H$da H$mo
AñdñWVm go nr{‹S>V ì`{º$`m| Ho$ {bE CËnmX _| AmemoYZ
à{V~§{YV H$aVo h¢²&
I.4.4.1 g§X^© g§. AmB©AmaS>rEAmB©/EMEbQ>r/grAmB©Ama/
`h XIo m J`m h ¡ {H$ à{VdVu \$¡ŠQ>[aJ¨ H$m Q>rAmaBS© >rEg ì`dgm`
{d{dY/58/02/2023 go `wº$ n[anÌ H$m AmemoYZ Eobmon¡{WH$
H$s _mÌm _| 50 à{VeV go A{YH$ A§e h¡ VWm XmoZm| \¡$ŠQ>[a¨J
`m Am`wf {M{H$ËgmAm| H$m M`Z H$aZo hoVw g_mZ {dH$ën
Am¡a Q>rAmaB©S>rEg na à{VdVu \¡$ŠQ>[a¨J boZXoZm| _| MyH$ 0.1
CnbãY H$amZ o H$o {bE {H$`m J`m h&¡ `h ì`dñWm A~ ~r_mH$¥V
à{VeV go H$_ pñW{V na {ZåZ h¡& Bgo Am¡a Q>rAmaB©S>rEg
am{e H$o 100% VH$ Am`fw AV§ aJ§ amJo r (BZneo Q| >) {M{H$ËgmAm|
ßboQ>\$m_m] na Ëd[aV {dÎm àmá H$aZo _| E_EgE_B©Eg Ho$ bm^
Ho$ {bE {H$`o J`o ì``m| Ho$ H$daoO H$s AZw_{V XoVr h¡&
H$mo Ü`mZ _| aIVo hþE ì`mnm[aH$ CYma ~r_m H$dam| Ho$ {bE
AZw_{V Ho$db Cº$ {Xem{ZX}em| Ho$ n¡am 5.3H$ _| g§emoYZ
I.4.5 nm{bgrYmaH$m| H$s AXmdr am{e`m| g§~§Yr _mñQ>a
{XZmH§ $ 9 Aº$y~a 2023 H$aZ o H$o Ûmam hr Q>rAmaBS© >rEg ßbQo >\$m_m]
n[anÌ H$m AmemoYZ
na à{VdVu \¡$ŠQ>[a¨J boZXoZm| Ho$ {bE Xr OmVr h¡&
I.4.3 J«mhH$ gyMZm nÌH$ I.4.5.1 ~r_mH$Vm©Am| Ho$ nmg ~‹T>Vr hþB© AXmdr am{e`m| H$s
pñW{V H$s nhMmZ EH$ {d{Z`m_H$ qMVm Ho$ ê$n _| H$s JB© h¡&
I.4.3.1 nm{bgrYmaH$m| H$mo CZHo$ ~r_m H$daoO H$s A{YH$
Bg pñW{V Ho$ hmoVo hþE, Cº$ _mñQ>a n[anÌ g§. AmB©AmaS>rEAmB©
JhamB© go g_P Ho$ gmW geº$ ~ZmZo Ho$ {bE, AmB©AmaS>rEAmB©
/E\$EÊS>E/grAmB©Ama/E_ AmB© Eg gr/202/11/2020
Zo nm{bgrYmaH$m| H$mo EH$ g§{já Am¡a AÚVZ J«mhH$ gyMZm
{XZm§H$ 17 Zd§~a 2020 H$m AmemoYZ {H$`m J`m Wm& AXmdr
nÌH$ (grAmB©Eg) Ho$ {ZJ©_ H$mo A{YXoemË_H$ (_¢So>Q>ar) H$a
{X`m h¡& `h grAmB©Eg nm{bgrYmaH$m| H$mo EH$ ZOa _| gab
am{e`m| Ho$ g§~§Y _| EH$ {dñV¥V AmboI ~mŠg _X I.1 _|
^mfm _ | CZH$s ñdmñÏ` ~r_m nm{bgr H$o ~ma o _ | g_ñV _hËdnUy © àñVwV h¡&
~r‘m ~mOma H$mo {dH${gV H$aZo Ho$ {bE Zr{V¶m± Am¡a à¶mg
26 Annual Report 2023-24~mŠg I.1
AXmdr am{e`m| _| H$_r bmZo H$s {Xem _| à`mg
{dÎm df© 2023-24 H$s ewéAmV _| OrdZ ~r_m H§$n{Z`m| H$s AXmdr am{e 22,237 H$amo‹S> én`o Wr& AXmdr am{e`m| _| H$_r bmZo,
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AXmdr am{e`m| Ho$ AmJo Am¡a g§M`Z H$mo {Z`§{ÌV H$aZo H$s {Xem _| ~r_mH$Vm©Am| Ho$ Ûmam AnZm`o OmZo Ho$ {bE gwPm`o J`o Cnm`m|
g{hV Hw$N> n[a^mfmAm| H$m AmemoYZ H$aVo hþE, AXmdr am{e`m| H$s C{MV nhMmZ Am¡a Hw$eb g§{dVaU Ho$ {bE "AXmdr am{e`m|
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~r_mH$Vm©Am| Ho$ Ûmam A§JrH$aU Ho$ {bE gwPm`o J`o Cnm`…
dV©_mZ AXmdr am{e`m| _| H$_r bmZo Ho$ {bE ^mdr g§M`Z H$mo amoH$Zo Ho$ {bE
i. dV©_mZ nm{bgrYmaH$m| H$mo ZdrH$aU àr{_`_ H$m ^wJVmZ i. Anojm (g{b{gQ>oeZ) _| g§~Õ g§~§{YV EO|Q>m|, _Ü`d{V©`m|,
(AmZbmBZ/ Amµ\$bmBZ) H$aVo g_` AnZo _mo~mBb Z§~a, B©- gm_y{hH$ _mñQ>a nm{bgrYmaH$m| Am¡a AÝ` {dVaU _mÜ`_m| H$mo
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{ddaU Am{X H$mo AnSo>Q> H$aZo Ho$ {bE CÎmaXm`r ~ZmE±²&
Am{X H$mo AnSo>Q> H$aZo Ho$ {bE dV©_mZ {ddaU H$mo M_H$mVo
(âb¡e H$aVo) hþE ào[aV H$a| Am¡a VXZwgma gyMZmE± ^oO|²&
ii. dV©_mZ Am¡a Z`o Cn^moº$mAm| H$s _mo~mBb g§»`mAm| Am¡a B©-
_ob nVm| H$mo ñd`_od {d{Y_mÝ` H$aZo Ho$ {bE gwñnï> àUm{b`m±
ii. dV_© mZ nm{b{g`m |H$o {bE Mmb yH$odmBg© r àmá H$a |VWm Ad`ñH$m|
bmJy H$a|, {Oggo `h gw{Z{üV {H$`m OmE {H$ `o {ddaU CZHo$
H$m nwZ…-Ho$dmB©gr d`ñH$ hmoZo na VËH$mb àmá H$a|²&
{dVaU _mÜ`_m| Ho$ Z hm|²&
iii. Cn^mºo $mAm |H$m nVm bJmZ oH$o {bE H$o«{S>Q> ã`ay m,o bIo m gJ§ m«hH$m,|
iii. gwa{jV bmJ-BZ Ho$ gmW {H$gr ^r g_` B©-_ob AmB©S>r, ~¢H$
grEggr/ nrAmoEg, B©-H$m_g© nmoQ>©bm| Ho$ gmW g§nH©$ _| ah|²&
{ddaU Am¡a Zm{_Vr {ddaU g{hV AnZo g§nH©$ {ddaU H$mo
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iv. g^r g§^d nÕ{V`m| Ho$ Ûmam H$_ go H$_ 6 _hrZo nhbo A{J«_
v. Cn^moº$m H$mo ^oOo J`o g^r nÌm{X (g§{dXmAm| Ho$ g_mnZ/{ZJ©_ ê$n go n[an¹$Vm Xmdm| Am¡a CÎmaOr{dVm bm^m| Ho$ g§~§Y _|
Ho$ g§~§Y _| N>mo‹S>H$a) _| Cn^moº$m H$mo n[adV©Z hmoZo H$s pñW{V A{J«_ gyMZmE± ^oO| VWm CZH$mo Ho$dmB©gr/~¢H$ {ddaU àñVwV
_| g§nH©$ H$m {ddaU, Zm{_Vr H$m {ddaU Am¡a ~¢H$ ImVm H$aZo Ho$ {bE gy{MV H$a|; CgHo$ ~mX {OZ J«mhH$m| Zo CÎma Zht
{ddaU AnSo>Q> H$aZo Ho$ {bE gy{MV H$aVo hþE EH$ \w$Q>-ZmoQ> {X`m hmo CZH$mo ha 2 _hrZo _| AZwdVu gyMZmE± ^oO|²&
em{_b H$a|²&
v. ~r_mH$Vm©Am| H$s do~gmBQ>m| _| AnZo {bE àmß` am{e`m| H$s
nhMmZ O¡go hr Cn^moº$m H$aVo h¢, CZH$s AXmdr am{e`m| Ho$
àg§ñH$aU Am¡a ^wJVmZ Ho$ {bE AmZbmBZ CnH$aU {dH${gV
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Cn`wº$ àUm{b`m± Am¡a {Z`§ÌU bmJy H$a|²&
A{V[aº$ ê$n go, AmB©AmaS>rEAmB© Ho$ ~r_m ^amogm nmoQ>©b _| ~r_mH$Vm©Am| H$s do~gmBQ>m| Ho$ do~-qbH$ CnbãY H$am`o OmVo h¢ {Oggo
~r_mH$Vm©Am| Ho$ A§VJ©V AXmdr am{e`m| H$s ImoO H$aZo Ho$ {bE Cn^moº$mAm| H$mo ghm`Vm {_bVr h¡& {dÎm df© 2023-24 Ho$ A§V
_| OrdZ ~r_m H§$n{Z`m| H$s AXmdr am{e <20,062 H$amo‹S> Wr&I.5 ~r_mH$Vm©Am| Ûmam H$s JB© AZwg§YmZ Am¡a {dH$mg J«mhH$ nmañn[aH$ g{H«$`VmE±, ñdMm{bV Xmdm àg§ñH$aU,
J{V{d{Y`m± VWm ì`{º$JV ~Zm`m J`m 24/7 g_W©Z&
àË`oH$ df© ~r_mH$Vm© Cn^moº$mAm| Ho$ {bE ~r_m g_mYmZm| H$s • {dH«$` Am¡a OmopI_ à~§Y Ho$ {bE EAmB©-AmYm[aV àd¥{Îm
A{^Jå`Vm, g_P Am¡a Cn`moJ H$mo ~‹T>mdm XoZo Ho$ {bE {d{^Þ _mS>b, CËnmX g§~§Yr {g\$m[aem| _| ghm`Vm, ZdrH$aU
AZwg§YmZ Am¡a {dH$mg H$m H$m`©H$bmn g§Mm{bV H$aVo h¢²& g§J«hU _| H$m`©Hw$ebVm, VWm YmoImY‹S>r Am¡a g_`nyd©
2023-24 Ho$ Xm¡amZ ~r_m H§$n{Z`m| Ho$ Ûmam {H$`o J`o Hw$N> Xmdm OmopI_m| H$m Ý`yZrH$aÊ&
ZdmoÝ_of H$m`©H$bmn/nhb| ZrMo àñVwV h¢ :
• ì`{º$JV {H$`o J`o g§Xoe ^oOZo Ho$ {bE J«mhH$ Ho$ So>Q>m
OrdZ ~r_mH$Vm© H$m {dûcofU H$aZo, ~mOma H$s àd¥{Îm`m| Am¡a J«mhH$
OZgm§p»`H$s H$m {dûcofU H$aZo Am¡a CgHo$ Ûmam J«mhH$
• dmVmb© mnm | H$m o H$mad© mB-© `m½o` AV§ Ñ{©ï>`m | H$o ê$n _ | n[ad{VV©
g§Vmof H$mo ~‹T>mZo Ho$ {bE CËnmXH$ EAmB© H$m Cn`moJ
H$aZo Ho$ {bE CÞV EZEbnr (ghO ^mfm àg§ñH$aU)
H$aZm& àm`… nyN>o OmZodmbo pñWa àým| (E\$EŠ`yEg) Ho$
Ama¡ _erZr kmZ H$m Cn`mJo H$aV o hEþ H$¥{Ì_ ~{wÕ (EAmB)©
A`m§{ÌH$ g_Ýd` go ~MZo Ho$ {bE MmQ>~moQ> _| CËnmXH$
AmYm[aV dmVm©bmn ~w{Õ ßboQ>\$m_© àma§^ H$aZm&
EB© g_Ýd`&
• H$mëg Ho$ JwUdÎmm _yë`m§H$Z H$mo ñdMm{bV H$aZo Ho$
{bE, H$mb g|Q>a JwUdÎmm, J«mhH$ H$s _ZmoXem, • J«mhH$m| H$mo A§J«oOr, {hÝXr, Am¡a qhp½be _| _m¡pIH$ ê$n
^{dî`gyMH$ J«mhH$ g§Vmof ñH$moa (grEgEQ>r), CÞ`Z go nañna MMm© (B§Q>aEŠQ>) H$aZo _| g_W© ~ZmZo Ho$ {bE
g§Ho$V, nwZamd¥{Îm g§^mdZm, {df`-AmYm[aV {dûcofU, AmdH$ g§nH©$ Ho$ÝÐm| hoVw EAmB©-AmYm[aV ñda AmB©drAma
VWm EO|Q> H$m`©{ZînmXZ O¡go _mZX§S>m| H$m {ZYm©aU H$aVo àUmbr bmJy H$aZm&
hþE, H$mëg Ho$ JwUdÎmm _yë`m§H$Z H$mo ñdMm{bV H$aZo Ho$
• àm_m{UH$ {ZU©`Z Ho$ {bE AZoH$ [anmoQ>m] Am¡a ^mdmË_H$
{bE H¥${Ì_ ~w{Õ (EAmB©)/_erZr kmZ (E_Eb) H$m
g§X^© go A§VÑ©{ï>`m± CnbãY H$amVo hþE AZwg§YmZ gm_{J«`m|
Cn`moJ H$aVo hþE ñda d¡ûco{fH$s àma§^ H$aZm&
H$m EH$ {dnwb ^§S>ma ([anmo{OQ>ar) H$m g§ajU (Š`yaoqQ>J)
• {dÎmr` Am¡a {M{H$Ëgr` OmopI_-A§H$Z _| àUmbr Ûmam H$aZo Ho$ {bE AZwg§YmZ nwñVH$mb` H$m {dH$mñ&
{Z`§{ÌV Om±M Ho$ {bE gh-àm`mo{JH$ (H$mo-nmBbQ>)
• {ZJ©_ Ho$ VËH$mb ~mX g§{X½Y nm{b{g`m| H$s nhMmZ
OmopI_-A§H$Z H$m H$m`m©Ýd`Z, g§JV gwPmd VWm gab
H$aZo Ho$ {bE {ZJ©_moÎma àmo\$mBb gË`mnZ (nrAmB©nrdr)
Am¡a H$maJa {ZU©`Z à{H«$`mE± CnbãY H$amZo Ho$ {bE
d¡ûco{fH$s, YmoImY‹S>r H$s nhMmZ _| gwYma H$aZm VWm
EAmB©/ E_Eb Am¡a AmogrAma àm¡Úmo{J{H$`m| H$m CÞ`Z&
nrAmB©nrdr Ho$ gmW g§~Õ Om±M H$s bmJV| H$_ H$aZm&
• Cn^moº$mAm| Ho$ gmW g§ñn§XZ H$aZodmbo EAmB© Ûmam CËnÞ
à{Vq~~m| H$m Cn`moJ H$aVo hþE amoMH$ Am¡a g§~ÕVm`wº$ • Xmdm _yë`m§H$Zm| _| erK«Vm bmZo Am¡a YmoImY‹S>r nhMmZ
gm_m{OH$ _mÜ`_ A{^`mZ {Z{_©V H$aZm& j_VmE± ~‹T>mZo Ho$ {bE VËH$mb {ZYm©aU à{H«$`mAm| _|
g_pÝdV OmopI_ àd¥{Îm na AmYm[aV, g§^m{dV ê$n go
• àboI g§jonU, _w»` {~ÝXþ {ZîH$f©U, A§Vd©ñVw H$s
H$nQ>nyU© g_`-nyd© _¥Ë`w Xmdm| H$m g§Ho$V H$aZo Ho$ {bE
nwZ…àm{á, Am¡a n[aMmbZm| H$mo gab Am¡a H$maJa ~ZmZo
Xmdm YmoImY‹S>r nhMmZ _mS>ë&
Am¡a A`m§{ÌH$ à`mg H$_ H$aZo Ho$ {bE CËnmXH$ EAmB©/
~¥hX² ^mfm _mS>bm| (EbEbE_) H$s ImoÁ& • n`m©á ~r_m H$da CnbãY H$amZo H$s {Xem _| Aën godm
àmá J«mhH$ ghJU O¡go H$m_H$mOr _{hbmAm|, Jm‹S>rdhH$
• g_PXma EAmB© Ûmam g§Mm{bV dmQ²gEon g§dmXmË_H$
H$m_Jmam| ({JJ dH©$a), OZ OoS> Om~am|, Am{X H$s
ßbQo >\$m_,© VËH$mb nm{bgr {ZJ_© H$o gmW Am_by n[ad{VV©
28 Annual Report 2023-24Amdí`H$VmE±, AmH$m§jmE± Am¡a gr_mE± g_PZo Am¡a • ñd`§ H$s{OE (S>rAmB©E\$) Am¡a H$mJO-a{hV à{H«$`m Ho$
nhMmZZo Ho$ {bE Amdí`H$Vm na AmYm[aV AZwg§YmZ _mÜ`_ go godm g§~§Yr AZwamoYm| H$m à~§Y H$aZo Ho$ {bE
H$s e¥§Ibm& J«mhH$m| H$mo g_W© ~ZmZm&
• J«mhH$m| H$s Aënmd{Y Am¡a XrKm©d{Y {dÎmr` bú`m| Ho$ • godm H$s Hw$ebVm ~‹T>mVo hþE {M{H$Ëgm A{^boIm| H$s
joÌm| _| gd}jU, O¡go godm{Zd¥{Îm Am`moOZm, YZ-g§n{Îm gmPoXmar H$mo gwgmÜ` H$aZo Ho$ {bE Am^m AmB©S>r {Z{_©V
{Z_m©U Am¡a à~§Y, g§ajU ~r_m, Am{X Omo EH$ gwJ{R>V H$aZo hoVw Am`wî_mZ ^maV ñdmñÏ` boIm (Am^m)
gm_m{OH$ gwajm nm[apñW{VH$ V§Ì H$m {dH$mg H$aZo _| nm[apñW{VH$ V§Ì (B©H$mo {gñQ>_) Ho$ gmW g_Ýd`Z&
g_W©H$mar hm|²&
• Z`o `wJ H$s H§$n{Z`m|, ñQ>mQ>©-Anm|, {\$ZQ>oH$m|, Am{X VH$
• _{hbm J«mhH$m| Ho$ ì`dhmaJV ñdê$nm|, _Zmod¡km{ZH$ nhþ±MZo Ho$ Ûmam ^mdr VËna j_VmAm| H$m {Z_m©U H$aZo Ho$
A§VÑ©{ï>`m|, Am¡a gm_m{OH$ _r{S>`m AmXVm| Ho$ {df` _| {bE, ZdmoÝ_ofU Am¡a gh`moJ H$mo àmoËgm{hV H$aZo hoVw
ImoO H$aZo, CZHo$ OrdZm| Ho$ {d{^Þ nhbwAm| g§~§Yr H$manmoaoQ> g§~ÕVm H$m`©H«$_ àma§^ H$aZm&
_yë`dmZ n[aàoú` O¡go {ejm, ì`dgm`, d¡`{º$H$ A§{V_
• EH$ gw{dYmOZH$ _mo~mBb Eon Ho$ Ûmam ñdV§Ì ê$n go
bú`, Omo Cn`wº$ ~r_m g_mYmZ IarXZo Ho$ CZHo$ {ZU©`
AnZr godmAm| H$m à~§Y H$aZo Ho$ {bE J«mhH$m| H$mo geº$
H$mo à^m{dV H$aVo h¢, àmá H$aZo Ho$ g§~§Y _| AZwg§YmZ&
~ZmVo hþE, ~mQ> Am¡a dmQ²gEon Ho$ _mÜ`_ go {S>{OQ>b
• OrdZ bú` àmá H$aZo _| J«mhH$m| H$s ghm`Vm H$aZo Ho$ ñd`§-godm {dH$ën àma§^ H$aZm&
{bE ~r_m H$s ^y{_H$mAm| H$mo nwZ… n[a^m{fV H$aVo hþE
• EZEbnr (ghO ^mfm àg§ñH$aU) àm¡Úmo{JH$s H$m à`moJ
^maVr` OZVm H$s AmH$m§jmAm| _| JhamB© VH$ ImoO H$aZo
H$aVo hþE J«mhH$ godm B©_ob à{V{H«$`m H$m ñdMmbZ&
Ho$ {bE gd}jÊ&
• EH$ {Z~m©Y AZw^d Ho$ {bE ñda ~mQ> godmAm| Ho$ gmW
• {S>{OQ>b `wJ _| {dH«$` Q>r_ n[aMmbZm| _| H«$m§{VH$mar
J«mhH$ ñne©{~ÝXþAm| H$s d¥{Õ H$aZm&
n[adV©Z bmZo Ho$ {bE Eon H$m àma§^, grAmaE_ g_Ýd`Z
Ho$ gmW J«mhH$ AZw^dm| _| d¥{Õ, àË`j dMZ~ÕVm Ho$
• EH$ bMrbm, gh`moJnyU©, Am¡a à`moº$m-Ho$pÝÐV ßboQ>\$m_©
{bE ŠbmCS>-H$mqbJ, VWm godm Ho$ Adgam| Ho$ {bE
XoZo Ho$ Ûmam Omo à`moº$mAm| Am¡a ^mJrXmam| H$s {dH${gV hmo
gwì`dpñWV g§Ho$V&
ahr Amdí`H$VmAm| H$mo EH$g_mZ J«hU H$aVm hmo, àJm_r
do~ Eon (nrS>ãë`yE) Am_yb n[adV©Z go `wº$ {S>{OQ>b
• A{YH$ erK«Vm go àg§ñH$aU Ho$ {bE Xmdm àUmbr H$m
AmZ~mo{Sª>½&
H$m`m©Ýd`Z, J«mhH$m| H$mo H$mJO-a{hV à{H«$`m CnbãY
H$amZm, VWm J«mhH$ Eon Ho$ Ûmam VËH$mb Xmdm pñW{V H$s
• OmopI_-A§H$Z _| àg§ñH$aU g_` Am¡a Ìw{Q>`m| H$mo H$_
AÚVZ OmZH$mar XoZm&
H$aVo hþE, {d{^Þ ßboQ>\$m_m] _| J«mhH$m| Ho$ Zm_m| H$s VwbZm
H$aZo Ho$ {bE µ\$µOr VwbZ CnH$aU (E\$E_Q>r) H$m àma§^&
• J«mhH$ godm g§~§Yr AZwamoYm| Ho$ A{YH$ VoO Am¡a H$mJO-
a{hV àg§ñH$aU H$mo g_W© ~ZmVo hþE {dVaH$m| Am¡a A{J«_
• Cƒ-n[a_mU Am¡a AmdVu ñdê$n Ho$ H$m`m] H$mo ñdMm{bV
n§{º$ {dH«$` Ho$ {bE ßboQ>\$m_© H$m àma§^&
H$aZ oH$o Ûmam j_Vm {Z_mU© H$aZ oVWm Ì{wQ>`m |Ama¡ àgñ§ H$aU
g_` H$mo H$_ H$aZo Ho$ {bE amo~mo{Q>H$ à{H«$`m ñdMmbZ
(AmanrE) H$s e{º$ H$m CÞ`Z&
Annual Report 2023-24 29gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm© • gwñnï> µ\$gb {ZYm©aU Ho$ {bE S´>moZ àm¡Úmo{JH$s Ho$ gmW
ZdmoÝ_ofU VWm gab Am¡a H$maJa ~r_m à~§Y Ho$ {bE
• _w»` emar[aH$ __©ñWbm| (dmBQ>bm|) H$s JUZm H$aZo,
EH$ {H$gmZ-Ho$pÝÐV Eon àma§^ H$aZm&
g§Ho$V-go-AmdmO VH$ Ho$ AZwnmVm| H$mo Bï>V_ ~ZmZo,
VWm Mohao Ho$ ñH¡$Zm| Ho$ {bE XÿañW \$moQ>mo ßbo{Wñ_moJ«m\$s • dV©_mZ µ\$gb ~r_m `moOZmAm| Ho$ ~mao _| {H$gmZm| Ho$
g§Mm{bV H$aZo Ho$ {bE, EAmB© Am¡a _erZr kmZ H$m Ad~moYZm| H$mo g_PZo Ed§ g_pÝdV ~r_m godmAm| Ho$
Cn`moJ H$aVo hþE ñdmñÏ` g§~§Yr _w»` ñWmZm| (dmBQ>bm|) {bE Jw§OmBe VH$ nhþ±MZo Ho$ {bE AÜ``Z&
Ho$ ñH«$sqZJ _| Am_yb n[adV©Z bmZo hoVw {S>{OQ>b ñdmñÏ`
• nm{bgr H$s IarX, à~§Y Am¡a Xmdm àg§ñH$aU Ho$ {bE
{ZYm©aU ßboQ>\$m_© (S>rEMEnr) H$m àma§^&
g_pÝdV g§Mma CnH$aUm| H$m à`moJ H$aVo hþE EgE_B©
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am{e H$s VwbZm _| AmpñV`m| Ho$ _yë` H$m Am{YŠ` h¡&
I.6.3 nwZ~u_m H$s {ZJamZr
AmB©AmaS>rEAmB© (~r_mH$Vm©Am| Ho$ ~r_m§{H$H$, {dÎm Am¡a {Zdoe
^maVr` nwZ~u_mH$Vm©
H$m`©) {d{Z`_, 2024 CnbãY Am¡a Ano{jV emoYZ-j_Vm
_m{O©Z H$s JUZm H$s nÕ{V H$m {dñVma go dU©Z H$aVo h¢&
I.6.3.1 31 _mM© 2024 H$s pñW{V Ho$ AZwgma, àm{YH$aU Ho$
nmg Ho$db EH$ ^maVr` nwZ~u_mH$Vm©, AWm©V² ^maVr` gmYmaU
OrdZ ~r_mH$Vm©Am| H$s emoYZ-j_Vm H$s pñW{V
~r_m {ZJ_ (OrAmB©gr AmaB©) n§OrH¥$V h¡& OrAmB©gr AmaB©
^maV _| n[aMmbZaV àË`j ~r_mH$Vm©Am| Am¡a {dXoer
I.6.2.2 31.03.2024 H$s pñW{V Ho$ AZwgma g^r OrdZ
~r_mH$Vm©Am|/nwZ~u_mH$Vm©Am| H$mo ^r nwZ~u_m ghm`Vm CnbãY
~r_mH$VmA© m | Z o 1.50 H$o {ZYm[©aV Ý`Zy V_ emYo Z-j_Vm AZnw mV
H$am ahm h¡& Cº$ {ZJ_ H$m nwZ~u_m H$m`©H«$_ Xoe Ho$ A§Xa
(emoYZ-j_Vm H$m {Z`§ÌU ñVa) H$m AZwnmbZ {H$`m& OrdZ
à{VYmaU H$mo Bï>V_ ~ZmZo, EH$ C{MV bmJV na AÜ`n©H$ Ho$
Annual Report 2023-24 33EŠgnmoµOa Ho$ {bE n`m©á H$daoO gw{Z{üV H$aZo, VWm Xoer gr_mnma nwZ~u_mH$Vm©
~mOma Ho$ A§Xa VH$ZrH$s {deofkVm Am¡a n`m©á {dÎmr` j_VmE±
I.6.3.4 gr_mnma nwZ~u_mH$Vm© (gr~rAma) do nwZ~u_mH$Vm©
{dH${gV H$aZo Ho$ CÔoí`m| H$mo nyam H$aZo Ho$ {bE A{^H$pënV
h¢, {OZH$s ^maV _| H$moB© ^m¡{VH$ CnpñW{V Zht h¡, na§Vw Omo
{H$`m J`m h¡&
^maVr` ~r_mH$VmA© m | H$o gmW nZw ~u_m ì`dgm` H$aV oh&²¢ gr_mnma
I.6.3.2 OrAmB©gr AmaB© Zm{^H$s` g_yh (nyb), AmV§H$dmX nwZ~u_mH$Vm© (gr~rAma) ~r_mH$Vm©Am| H$mo nwZ~u_m ghm`Vm/
g_yh (nyb) Am¡a _arZ H$mJm} And{O©V joÌ g_yh (E_grB©Q>r j_Vm CnbãY H$amZo _| nwZ~u_m ~mOma _| _hËdnyU© ^y{_H$m
nyb) H$m à~§Y ^r H$a ahm h¡& `h Xoer gmYmaU ~r_mH$Vm©Am| AXm H$aVo h¢²& BZ ~r_mH$Vm©Am| H$mo `h gw{Z{üV H$aZm hmoJm
Ûmam Omar H$s JB© àË`oH$ nm{bgr na Hw$N> gr_mAm| Ho$ AYrZ {H$ gr~rAma AmB©AmaS>rEAmB© (nwZ~u_m) {d{Z`_, 2018 Ho$
A{Zdm`© AÜ`n©U àmá H$aVm h¡ VWm BZ ~r_mH$Vm©Am| Ho$ AZwgma Amdí`H$ Ah©H$mar _mZX§S>m| H$mo nyam H$a|, VWm CZHo$
A{YH$m§e g_Pm¡Vm H$m`©H«$_m| Am¡a {dH$ënr H$m`©H«$_m| H$m ZoV¥Ëd nmg {H$gr ^r ì`dgm` H$m ñWmZZ H$aZo go nhbo CZHo$ nmg
H$aVm h¡& 2023-24 Ho$ {bE `h A{Zdm`© AÜ`n©U Mma àm{YH$aU Ûmam Omar H$s JB© \$mBb g§X^© g§»`m (E\$AmaEZ)
à{VeV h¡& hmo&
{dXoer nwZ~u_m emImE± (E\$Ama~r) gr~rAma H$mo àm{YH$aU Ûmam EH$ \$mBqbJ g§X^© g§»`m
(E\$AmaEZ) Xr OmVr h,¡ Om o EH$ {dÎmr` df © H$o {bE {d{Y_mÝ`
I.6.3.3 ^maV H$mo EH$ d¡{œH$ nwZ~u_m Ho$ÝÐ (h~) ~ZmZo Ho$
h¡, VWm Omo ^maVr` ~r_mH$Vm©Am|/nwZ~u_mH$Vm©Am| Ho$ gmW
CÔoí` go ~r_m {d{Y (g§emoYZ) A{Y{Z`_, 2015 Zo {dXoer
nwZ~u_m ì`dgm` H$aZo Ho$ {bE gr~rAma H$mo g_W© ~ZmVr h¡&
nwZ~u_mH$Vm©Am| Am¡a gmogmBQ>r Am\$ bm`S²g b§XZ H$mo ^maV
_| nwZ~u_m ì`dgm` H$aZo Ho$ {bE ^maV _| AnZr emImE± {dÎmr` df© 2022-23 _| XO© 283 gr~rAma H$s VwbZm _|
ImobZo H$s AZw_{V Xr h¡& 31 _mM© 2024 H$s pñW{V Ho$ {dÎmr` df© 2023-24 _| 280 gr~rAma Zo ^maVr` nwZ~u_m
AZwgma, ^maV _| bm`S²g g{hV ½`mah {dXoer nwZ~u_m emImE± ì`dgm` _| gh^m{JVm H$s h¡&
(E\$Ama~r) n[aMmbZ H$a ahr h¢²& bm`S²g B§{S>`m EH$ g{d©g
nwZ~u_m ì`dgm` H$m _yë`m§H$Z
H§$nZr Ho$ _mÜ`_ go n[aMmbZ H$a ahr h¡& `o E\$Ama~r {dœ
^a _| àMwa AZw^d, {deofkVm Am¡a j_Vm go `wº$ à_wI
I.6.3.5 ^maV _| nwZ~u_m ì`dgm` ^maVr` nwZ~u_mH$Vm©
nwZ~u_mH$Vm©Am| H$s emImE± h¢²&
(OrAmB©gr AmaB©), E\$Ama~r, Am¡a gr~rAma Ho$ Ûmam A§{H$V
{H$`m Om ahm h¡& ^maVr` nwZ~u_mH$Vm© Am¡a E\$Ama~r Ho$ Ûmam
E\$Ama~r Ûmam ~wH$ {H$`o J`o nwZ~u_m ì`dgm` H$m {ddaU
df© 2023-24 _| A§{H$V é.62,113.28 H$amo‹S> Ho$ gH$b
{ZåZmZwgma h¡…
nwZ~u_m àr{_`_ _| go ^maVr` ì`dgm` bJ^J 81 à{VeV
gH$b nwZ~u_m àr{_`_ Am` 2022-23 2023-24 H$m Wm VWm eof {dXoer ì`dgm` H$m Wm& df© 2023-24 _| é.
^maVr` ì`dgm` (é. H$amo‹S>) 17,911 24,749 50,553 H$amo‹S> Ho$ Hw$b ^maVr` ì`dgm` _| go, OrAmB©gr
AmaB© H$m ì`dgm` bJ^J 51 à{VeV H$m Wm Am¡a eof 49
Bg àH$ma `o E\$Ama~r ^maV Ho$ A§Xa àr{_`_ à{VYm[aV à{VeV E\$Ama~r Ûmam A§{H$V {H$`m J`m Wm& E\$Ama~r
H$aZo Am¡a ^maV _| nwZ~u_m j_Vm {dH${gV H$aZo _| ghm`Vm
g{hV nwZ~u_mH$Vm©Am| H$m gH$b nwZ~u_m àr{_`_ {ddaU 14
H$a ahr h¢²& Cº$ E\$Ama~r H$mo AmB©AmaS>rEAmB© ({dXoer
_| {X`m J`m h¡&
nwZ~u_mH$Vm©Am| H$s emImAm| bm`S²g B§{S>`m H$m n§OrH$aU
Am¡a n[aMmbZ) {d{Z`_, 2024 VWm Bg g§~§Y _| àm{YH$aU
Ûmam Omar {H$`o J`o {H$Ýht AÝ` n[anÌm|/{Xem{ZX}em| H$m nmbZ
H$aZm Mm{hE²&
34 Annual Report 2023-24gmaUr I.19: gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm©Am| Ûmam nwZ~u_m ñWmZZ
(` H$amo‹S> ‘|)
df© A{¾ _arZ _arZ _moQ>a {d_mZZ B§Or{Z AÝ` Hw$b
{ddaU
H$mJm} hb `[a¨J {d{dY
^maV Ho$ A§Xa 2023-24 13,555.86 554.35 502.03 9,549.27 597.17 2,606.66 22,927.79 50,293.14
ñWmZZ {H$`o J`o 47.75 10.89 36.32 10.40 51.06 46.53 14.16 17.03
nwZ~u_m àr{_`_
H$s am{e 2022-23 12,968.32 723.90 413.98 10,223.57 362.36 1,918.10 22,597.88 49,208.12
(<H$amo‹S>) 49.42 18.54 32.48 12.46 34.33 42.26 15.85 18.81
^maV Ho$ ~mha 2023-24 7,124.78 648.88 453.02 1,135.14 400.96 1,134.98 15,101.02 25,998.78
ñWmZZ {H$`o J`o 25.10 12.74 32.78 1.24 34.28 20.26 9.32 8.80
nwZ~u_m àr{_`_
H$s am{e 2022-23 5,823.89 694.73 471.36 367.43 483.29 922.55 15,481.55 24,244.79
(<H$amo‹S>) 22.19 17.79 36.98 0.45 45.79 20.32 10.86 9.27
OrdZ ~r_mH$Vm©Am| Ho$ Ûmam nwZ~u_m ñWmZZ
à{VYmaU Am¡a nwZ~u_m ñWmZZ:
I.6.3.7 2023-24 Ho$ Xm¡amZ, gaH$mar joÌ ~r_mH$Vm© Ûmam
I.6.3.6 2023-24 _|, gmYmaU ~r_mH$Vm©Am| Ho$ Ûmam ^maV
nZw ~u_m àr{_`_ H$o ê$n _ | é.536.02 H$amS‹o > H$s am{e (2022-
Ho$ A§Xa Am¡a ~mha ñWmZZ {H$`o J`o nwZ~u_m àr{_`_ H«$_e…
23 _| é.663.53 H$amo‹S>) H$m AÜ`n©U {H$`m J`m& {ZOr joÌ
OrS>ãë`ny r H$m 17.03 à{VeV Ama¡ 8.80 à{VeV ahm& gmYmaU
OrdZ ~r_mH$Vm©Am| Zo g~ {_bH$a nwZ~u_m Ho$ à{V àr{_`_ Ho$
~r_mH$Vm©Am| Ho$ Ûmam {Zdb à{VYmaU _| gy{MV H$s JB© d¥{Õ _|
ê$n _| é. 7,719.08 H$amo‹S> (2022-23 _| é.6,451.02
2022-23 _| XO© 71.93 à{VeV go 2023-24 _| 74.17
H$amo‹S>) H$m AÜ`n©U {H$`m& OrdZ ~r_m joÌ H$m à{VYmaU
à{VeV VH$ ~‹T>moVar ahr h¡&
AZwnmV 2022-23 Ho$ {bE XO© 99.09 à{VeV H$s VwbZm _|
2023-24 Ho$ {bE 99 à{VeV Wm&
Annual Report 2023-24 35gmaUr I.20: gH$b àr{_`_ Ho$ à{VeV Ho$ ê$n _| gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm©Am| H$m {Zdb à{VYmaU
2022-23 2023-24
I§S>
gaH$mar joÌ {ZOr joÌ Hw$b gaH$mar joÌ {ZOr joÌ Hw$b
A{¾ 40.82 21.19 28.39 38.42 20.82 27.15
_arZ H$mJm} 67.15 62.41 63.72 87.76 67.72 76.37
_arZ hb 34.71 5.14 30.54 34.67 4.32 30.90
_moQ>a 95.79 83.57 87.09 97.04 84.96 88.36
B§Or{Z`[a¨J 52.26 21.26 37.42 49.24 19.46 33.21
{d_mZZ 25.33 8.07 19.88 18.18 8.39 14.66
AÝ` {d{dY 78.76 69.10 73.29 86.54 70.32 76.52
Hw$b 77.53 68.44 71.93 82.45 69.63 74.17
~r_m g_yh (nyb) gm_mÝ`V… Zm{^H$s` g§H$Q> na§namJV ~r_m H$dam| go And{O©V
{H$`o OmVo h¢ Š`m|{H$ BgHo$ {bE ~‹S>r ~r_m j_Vm Ano{jV h¡&
AmV§H$dmX nyb
AV… Zm{^H$s` g§H$Q>m| go CËnÞ hmoZo dmbr Xo`Vm H$m g§ajU
H$aZo Ho$ {bE ^maVr` Zm{^H$s` ~r_m nyb (AmB©EZAmB©nr)
I.6.3.8 9/11 KQ>Zm Ho$ ~mX A§Vaamï´>r` nwZ~u_mH$Vm©Am| Ûmam
2015 _| ~Zm`m J`m {OgH$m à~§Y ^r OrAmB©gr AmaB© Ûmam
AmV§H$dmX H$da H$mo dmng boZo Ho$ ~mX Aà¡b 2002 _| ^maV
{H$`m OmVm h¡& `h nyb Xoe _| Zm{^H$s` n[aMmbH$m| H$mo Am¡a
_| g^r J¡a-OrdZ ~r_mH$Vm©Am| H$s nhb go ^maVr` ~mOma
Zm{^H$s` Amny{V©H$Vm©Am| H$mo ^r H$daoO àXmZ H$aVm h¡& Cº$
AmV§H$dmX OmopI_ ~r_m nyb ~Zm`m J`m& Bg nyb H$m à~§Y
nyb H$s àr{_`_ Am` 2023-24 Ho$ {bE 2022-23 Ho$ é.
OrAmB©gr AmaB© Ûmam {H$`m OmVm h¡& `h nyb AZoH$ ñWmZm| na
103.50 H$amo‹S> Ho$ _wH$m~bo é.107.01 H$amo‹S> Wr& df© 2023-
{Zdmg ñWmZm| Am¡a AMb g§n{Îm`m| Ho$ H$da g{hV, g§n{Îm
24 Ho$ Xm¡amZ nyb Ûmam {H$gr ^r Xmdo H$m ^wJVmZ Zht {H$`m
~r_m nm{b{g`m| Ho$ A§VJ©V H$da {H$`o J`o AmV§H$dmX OmopI_m|
J`m h¡&
Ho$ ~r_m Ho$ {bE g_W©Z XoVm h¡& Bg nyb H$s àr{_`_ Am`
2022-23 _| XO© é. 1,809.01 H$amo‹S> Ho$ _wH$m~bo 2023-
_arZ H$mJm} And{O©V joÌ nyb (E_grB©Q>r nyb)
24 Ho$ {bE é. 1,654.63 H$amo‹S> Wr& Cº$ nyb Ûmam
2023-24 Ho$ Xm¡amZ ^wJVmZ {H$`o J`o Xmdo é. 3.12 H$amo‹S> h¢²& I.6.3.10 ê$g-CH«o$Z `wÕ Ho$ AZwgaU _| ê$g Ho$ gmW ì`mnma
2023-24 Ho$ Xm¡amZ Cº$ nyb H$mo {H$Ýht ~‹S>r hm{Z`m| H$s na empñV`m± (g¢ŠeÝg) bJmB© JB© Wt& BgHo$ H$maU, ^maVr`
gyMZm Zht Xr JB© h¡& ~r_mH¥$V ì`{º$`m| Am{X Ho$ {bE ~obmê$g JUamÁ`, CH«o$Z
Am¡a/`m ê$gr amÁ`g§K ("And{O©V joÌ' H$hbmZo dmbo) Ho$
Zm{^H$s` (Ý`ypŠb`a) nyb
joÌm| go Cd©aH$m| Am¡a AÝ` nÊ`m| Ho$ _arZ H$mJm} {en_|Q>m| Ho$
{bE nwZ~u_m j_Vm CnbãY Zht Wr&
I.6.3.9 Zm{^H$s` j{V A{Y{Z`_, 2010 H$m A{Y{Z`_Z
AkmV Am¡a g§^m{dV ê$n _| Zm{^H$s` KQ>Zm go CËnÞ hmoZo
AV…, Bg g_ñ`m H$m g_mYmZ H$aZo Ho$ {bE, _arZ H$mJm}
dmbo AmnmVr OmopI_ Ho$ g§ajU H$mo A{Zdm`© ~ZmVm h¡&
And{O©V joÌ nyb (E_grB©Q>r nyb) df© 2022 _| gmYmaU
36 Annual Report 2023-24~r_m n[afX H$s nhb go ~Zm`m J`m Wm Am¡a Bg nyb H$m I.6.4 ~r_mH$Vm©Am| Ho$ {Zdoe H$s {ZJamZr
à~§Y OrAmB©gr AmaB© Ûmam {H$`m OmVm h¡&
I.6.4.1 ~r_mH$Vm©Am| Ho$ {bE A{Zdm`© {H$`m J`m h¡ {H$ do
Bg nyb H$m _w»` CÔoí` Ho$db And{O©V joÌm| go ^maVr` AmB©AmaS>rEAmB© (~r_mH$Vm©Am| Ho$ ~r_m§{H$H$, {dÎm Am¡a {Zdoe
~r_mH¥$V ì`{º$`m| Am{X Ho$ {bE Cd©aH$m| Ho$ Am`mVm| Am¡a H$m`©) {d{Z`_, 2024 Ho$ A§VJ©V Ano{jV ê$n _| {Zdoe Ho$
{Z`m©Vm| Ho$ _arZ H$mJm} {en_|Q>m| Ho$ {bE ~r_m H$da XoZo Ho$ {bE ñdê$n H$m AZgw aU H$a&| 31 _mM © 2024 H$s pñW{V H$o AZgw ma,
nyb Ho$ gXñ`m| H$mo g_W© ~ZmZm h¡ VWm Bg nyb H$s OmopI_- ~r_m CÚmoJ Ûmam {H$`o J`o {Zdoe 31 _mM© 2023 H$mo {dÚ_mZ
A§H$Z g{_{V Ho$ gmW nam_e© H$aVo hþE Ano{jV ê$n _| Am¡a é.60.04 bmI H$amo‹S> Ho$ _wH$m~bo é.67.58 bmI H$amo‹S> Wo
gh_{V-àmá hmoZo dmbr Xam|/eVm] Ho$ gmW ^maVr` ~r_mH¥$V Am¡a Bg àH$ma CÝhm|Zo 12.55 à{VeV d¥{Õ XO© H$s& 31 _mM©
ì`{º$`m| Am{X Ho$ {bE AÝ` nÊ`m| H$mo H$da XoZm h¡& 2024 H$s pñW{V Ho$ AZwgma OrdZ ~r_mH$Vm©Am| H$m A§e
91.11 à{VeV Wm, {deofrH¥$V ~r_mH$Vm©Am| Am¡a ñQ>¢S>-AbmoZ
Bg nyb H$s àr{_`_ Am` 2022-23 _| XO© é.42.60 H$amo‹S>
ñdmñÏ` ~r_mH$Vm©Am| (EgEEMAmB©) g{hV gmYmaU
H$s VwbZm _| 2023-24 Ho$ {bE é.41.53 H$amo‹S> Wr& 2023-
~r_mH$VmA© m | H$m Ae§ 7.03 à{VeV VWm {dXeo r nZw ~u_mH$VmA© m|
24 Ho$ Xm¡amZ Cº$ nyb H$mo {H$gr ~‹S>r hm{Z H$s gyMZm Zht Xr
H$s emImAm| g{hV nwZ~u_mH$Vm©Am| H$m A§e 1.86 à{VeV
JB©²&
ahm& Bgr Ad{Y _| gaH$mar joÌ CnH«$_m| (nrEg`y) H$m A§e
69.46 à{VeV na Wm Am¡a {ZOr joÌ Zo 30.54 à{VeV A§e
~Zm`m&
gmaUr I.21: ~r_m CÚmoJ _| {Zdoe (31 _mM© H$mo) (é.H$amo‹S>)
2023 2024
I§S>
gaH$mar {ZOr Hw$b gaH$mar {ZOr Hw$b
OrdZ ~r_mH$Vm© 40,43,655 14,19,759 54,63,414 44,23,580 17,33,269 61,56,849
(9.90) (11.55) (10.32) (9.40) (22.08) (12.69)
gmYmaU ~r_mH$Vm© 1,70,167 2,59,164 4,29,331 1,74,283 3,00,818 4,75,101
(1.37) (18.77) (11.17) (2.42) (16.07) (10.66)
nwZ~u_mH$Vm© 86,175 25,289 1,11,464 96,299 29,711 1,26,010
(11.41) (20.51) (13.35) (11.75) (17.49) (13.05)
Hw$b 42,99,997 17,04,212 60,04,209 46,94,162 20,63,798 67,57,960
(9.56) (12.72) (10.44) (9.17) (21.10) (12.55)
{Q>ßnUr… H$moð>H$ _| Am§H$‹S>o {nN>bo df© H$s VwbZm _| à{VeV _| d¥{Õ Xem©Vo h¢&
gmYmaU ~r_mH$Vm©Am| _| {deofrH¥$V ~r_mH$Vm© Am¡a ñQ>¢S>AbmoZ ñdmñÏ` ~r_mH$Vm© (EgEEMAmB©) em{_b h¢&
nwZ~u_mH$Vm©Am| _| {dXoer nwZ~u_mH$Vm©Am| H$s emImE± em{_b h¢&
OrdZ ~r_mH$Vm©Am| Ho$ {Zdoe
Wt, {OZ_| go é.53.96 bmI H$amo‹S> (Hw$b {Z{Y`m| H$m 87.64
à{VeV) nma§n[aH$ CËnmXm| go Wt Am¡a eof é.7.61 bmI
I.6.4.2 OrdZ ~r_mH$Vm©Am| H$s {Z{Y`m± nma§n[aH$ CËnmXm|
H$amo‹S> (Hw$b {Z{Y`m| H$m 12.36 à{VeV) `y{bn CËnmXm| go
Am¡a `y{bn CËnmXm| _| go {H$`o J`o {Zdoem| Ho$ AmYma na
Wt²& OrdZ ~r_m H§$nZr-dma {Zdoe {ddaU 16 _| àñVwV {H$`o
{d^m{OV H$s JB© h¢²& 31 _mM© 2024 H$s pñW{V Ho$ AZwgma
J`o h¢&
OrdZ ~r_mH$Vm©Am| H$s Hw$b {Z{Y`m± é.61.57 bmI H$amo‹S>
Annual Report 2023-24 37gmaUr I.22: 31 _mM© VH$ OrdZ ~r_mH$Vm©Am| Ho$ {Zdoe - loUr dma
(é. H$amo‹S>)
H«$.g§. loUr 2023 2024
nma§n[aH$ CËnmX
1 Ho$ÝÐ gaH$ma à{V^y{V`m± 21,82,289 24,37,256
(44.95) (45.17)
2 amÁ` gaH$ma Am¡a AÝ` AZw_mo{XV à{V^y{V`m± 11,60,415 12,95,510
(23.90) (24.01)
3 Amdmg Am¡a ~w{Z`mXr g§aMZm 4,57,272 4,99,520
(9.42) (9.26)
4 AZw_mo{XV {Zdoe 9,13,359 10,65,425
(18.82) (19.74)
5 AÝ` {Zdoe 1,41,084 98,421
(2.91) (1.82)
H$ Hw$b (1+2+3+4+5) 48,54,419 53,96,132
(100.00) (100.00)
`y{bn CËnmX
6 AZw_mo{XV {Zdoe 5,50,523 6,85,216
(90.40) (90.08)
7 AÝ` {Zdoe 58,472 75,501
(9.60) (9.92)
I Hw$b (6+7) 6,08,995 7,60,717
(100.00) 100.00
Hw$b Omo‹S> (H$+I) 54,63,414 61,56,849
{Q>ßnUr… H$moð>H$ _| Am§H$‹S>o Hw$b H$m à{VeV h¢&
I.6.4.3 {Z{Y`m| Ho$ dJuH$aU H$s nÕ{V Ho$ AmYma na, 31 go KQ>H$a 23.95 à{VeV hþAm VWm `y{bn {Z{Y H$m A§e
_mM© 2024 H$s pñW{V Ho$ AZwgma, Hw$b {Zdoem| _| OrdZ {Z{Y 11.15 à{VeV go ~‹T>H$a 12.36 à{VeV hmo J`m& 2023-
Zo é.39.22 bmI H$amo‹S> (Hw$b {Z{Y`m| H$m 63.70 à{VeV) 24 _| OrdZ {Z{Y Ho$ A§e _| 64.40 à{VeV go 63.70
H$m A§eXmZ {H$`m, n|eZ Am¡a gm_mÝ` dm{f©H$s Am¡a gm_y{hH$ à{VeV VH$ H$_r AmB©²& {dÎmr` df© 2023-24 _| OrdZ,
{Z{Y Zo é.14.74 bmI H$amo‹S> (Hw$b {Z{Y`m| H$m 23.95 n|eZ/dm{f©H$s {Z{Y Am¡a `y{bn {Z{Y H$s _mÌm _| H«$_e…
à{VeV) VWm `y{ZQ> gh~Õ {Z{Y (`y{bn) Zo é.7.60 bmI é.4.03 bmI H$amo‹S>, é.1.38 bmI H$amo‹S> Am¡a é.1.52 bmI
H$amo‹S> (Hw$b {Z{Y`m| H$m 12.36 à{VeV) H$m A§eXmZ {H$`m& H$amo‹S> H$s d¥{Õ hþB©&
{dÎmr` df© 2023-24 Ho$ Xm¡amZ Hw$b {Zdoem| _| n|eZ Am¡a
gm_mÝ` dm{f©H$s VWm gm_y{hH$ {Z{Y H$m A§e 24.45 à{VeV
38 Annual Report 2023-24gmaUr I.23: OrdZ ~r_mH$Vm©Am| Ho$ {Zdoe… {Z{Y-dma (31 _mM© H$mo) (é. H$amo‹S>)
> 2023 2024
I§S
gaH$mar {ZOr Hw$b gaH$mar {ZOr Hw$b
OrdZ 28,61,600 6,56,781 35,18,381 31,29,515 7,92,268 39,21,783
n|eZ Am¡a gm_mÝ`
dm{f©H$s VWm 11,55,875 1,80,163 13,36,038 12,59,025 2,15,324 14,74,349
gm_y{hH$ {Z{Y
`y{bn 26,180 5,82,815 6,08,995 35,040 7,25,677 7,60,717
Hw$b 40,43,655 14,19,759 54,63,414 44,23,580 17,33,269 61,56,849
gmYmaU ~r_mH$Vm©Am| Am¡a nwZ~u_mH$Vm©Am| Ho$ {Zdoe I.6.4.5 31 _mM© 2024 H$s pñW{V Ho$ AZwgma, gmYmaU
~r_mH$Vm©Am| Am¡a nwZ~u_mH$Vm©Am| Zo é.2.99 bmI H$amo‹S>
I.6.4.4 ~r_m joÌ Ho$ Ûmam {H$`o J`o Hw$b {Zdoem| _| gmYmaU,
(49.89 à{VeV) H$m {Zdoe à_wI ê$n go Ho$ÝÐ, amÁ` gaH$ma
ñdmñÏ` ~r_mH$Vm©Am| Am¡a nwZ~u_mH$Vm©Am| Ho$ Ûmam {Zdoem| H$m
Am¡a AÝ` AZw_mo{XV à{V^y{V`m| _| {H$`m h¡ VWm é.1.62
A§e 8.89 à{VeV ahm& 31 _mM© 2024 H$s pñW{V Ho$ AZwgma
bmI H$amo‹S> (27.07 à{VeV) H$m {Zdoe AZw_mo{XV {Zdoem| _|
gmYmaU ~r_mH$VmA© m | Ama¡ nZw ~u_mH$VmA© m | Ûmam {H$` o J` o {Zdeo m|
{H$`m h¡& gmYmaU ~r_m Am¡a nwZ~u_m H§$nZr-dma {Zdoe {ddaU
H$s Hw$b am{e {nN>bo df© H$s VXZwê$nr Ad{Y Ho$ é.5.41
17 _| àñVwV {H$`o J`o h¢&
bmI H$amo‹S> H$s VwbZm _| é.6.01 bmI H$amo‹S> Wr, {OgZo
10.95 à{VeV H$s d¥{Õ XO© H$s&
gmaUr I.24: gmYmaU, ñdmñÏ`, {deofrH¥$V ~r_mH$Vm©Am| Ho$ {Zdoe
(é. H$amo‹S>)
31 _mM© 2023 H$mo 31 _mM© 2024 H$mo
loUr gmYmaU nwZ~u_mH$Vm© Hw$b gmYmaU nwZ~u_mH$Vm© Hw$b
~r_mH$Vm©^^ ## ~r_mH$Vm©^^ ##
Ho$ÝÐ gaH$ma à{V^y{V`m± 1,32,774 40,797 1,73,571 1,34,832 44,566 1,79,398
(30.93) (36.60) (32.10) (28.38) (35.37) (29.84)
amÁ` gaH$ma Am¡a AÝ` 88,464 24,614 1,13,078 92,139 28,369 1,20,508
AZw_mo{XV à{V^y{V`m± (20.61) (22.08) (20.91) (19.39) (22.51) (20.05)
Amdmg VWm E\$E\$B© Ho$ 37,703 7,466 45,169 34,291 7,966 42,257
{bE amÁ` gaH$ma H$mo F$U (8.78) (6.70) (8.35) (7.22) (6.32) (7.03)
~w{Z`mXr g§aMZm {Zdoe 60,778 12,488 73,266 66,691 17,038 83,729
(14.16) (11.20) (13.55) (14.04) (13.52) (13.93)
AZw_mo{XV {Zdoe 97,655 22,174 1,19,829 1,36,974 25,726 1,62,700
(22.75) (19.89) (22.16) (28.83) (20.42) (27.07)
AÝ` {Zdoe 11,956 3,926 15,882 10,174 2,344 12,518
(2.78) (3.52) (2.94) (2.14) (1.86) (2.08)
Hw$b 4,29,330 1,11,465 5,40,795 4,75,101 1,26,010 6,01,111
(100.00) (100.00) (100.00) (100.00) (100.00) (100.00)
{Q>ßnUr… 1. ^^ gmYmaU ~r_mH$Vm©Am| _| {deofrH¥$V ~r_mH$Vm© Am¡a EgEEMAmB© em{_b h¢²&
2. ## nwZ~u_mH$Vm©Am| _| {dXoer nwZ~u_mH$Vm©Am| H$s emImE± em{_b h¢²&
3. H$moð>H$ _| Am§H$‹S>o Hw$b {Z{Y`m| _| go g§~§{YV {Z{Y`m| H$m à{VeV h¡&
Annual Report 2023-24 39I.6.5 gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm©Am| H$m ñdmñÏ` I.6.5.1 df© 2023-24 Ho$ Xm¡amZ, gmYmaU Am¡a ñdmñÏ`
~r_m ì`dgm` ~r_m H§$n{Z`m| Zo ñdmñÏ` (d¡`{º$H$ XþK©Q>Zm Am¡a `mÌm H$mo
N>mo‹S>H$a) ~r_m àr{_`_ Ho$ ê$n _| é. 1,07,681 H$amo‹S> H$m
ñdmñÏ` ~r_m àr{_`_ (`mÌm Am¡a d¡`{º$H$ XþK©Q>Zm
g§J«hU {H$`m Am¡a Bg àH$ma {nN>bo df© H$s VwbZm _| bJ^J
~r_m H$mo N>mo‹S>H$a)
20.32 à{VeV H$s d¥{Õ XO© H$s&
gmaUr I.25: gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm©Am| Ûmam OmopI_-A§{H$V ñdmñÏ` ~r_m àr{_`_
(é. H$amo‹S>)
~r_mH$Vm© 2022-23 2023-24
gaH$mar joÌ ~r_mH$Vm© 39,058.09 40,992.94
(18.56) (4.95)
{ZOr joÌ ~r_mH$Vm© 25,182.04 34,507.71
(25.24) (37.03)
ñQ>¢S>-AbmoZ ñdmñÏ` ~r_mH$Vm© 25,251.63 32,180.09
(26.25) (27.44)
Hw$b 89,491.76 1,07,680.74
(22.51) (20.32)
{Q>ßnUr…
1. H$moð>H$ _| Am§H$‹S>o {nN>bo df© H$s VwbZm _| d¥{Õ (à{VeV _|) Xem©Vo h¢²&
2. Cº$ So>Q>m _| {dXoem| _| {H$`o J`o ñdmñÏ` ~r_m ì`dgm` H$m ã`moam em{_b Zht h¡&
3. Cº$ àr{_`_ d¡`{º$H$ XþK©Q>Zm Am¡a `mÌm ~r_m ì`dgm` àr{_`_ H$mo N>mo‹S>H$a h¡&
4. So>Q>m ~r_mH$Vm©Am| Ho$ Ûmam àñVwV ñdmñÏ` ~r_m {dda{U`m| Ho$ AZwgma h¡&
ñdmñÏ` ~r_m Ho$ A§VJ©V nm{b{g`m± Am¡a H$da {H$`o J`o
I.6.5.3 ñdmñÏ` ~r_m ì`dgm` H$m dJuH$aU ì`dgm` Ho$
OrdZ
VrZ dJm] AWm©V² gaH$ma àm`mo{OV, gm_y{hH$ Am¡a d¡`{º$H$, _|
I.6.5.2 2023-24 Ho$ Xm¡amZ, gmYmaU Am¡a ñdmñÏ` ~r_m {H$`m J`m h¡& H$da {H$`o J`o OrdZm| H$s g§»`m Ho$ Vm¡a na,
H§$n{Z`m| Zo 2.68 H$amo‹S> ñdmñÏ` ~r_m nm{b{g`m| (d¡`{º$H$ OrdZm| Ho$ bJ^J 45 à{VeV H$mo gaH$ma àm`mo{OV ñdmñÏ`
XþK©Q>Zm Am¡a `mÌm ~r_m Ho$ A§VJ©V Omar H$s JB© nm{b{g`m| H$mo
~r_m `mOo ZmAm | H$o AV§ JV© H$da {H$`m J`m, bJ^J 45 à{VeV
N>mo‹S>H$a) Ho$ A§VJ©V 57 H$amo‹S> OrdZm| H$mo H$da {H$`m h¡&
H$mo gm_y{hH$ ì`dgm` _| VWm eof bJ^J 10 à{VeV H$mo
gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm©Am| Ûmam Omar H$s JB© d¡`{º$H$
nm{b{g`m| Ho$ A§VJ©V H$da {H$`m J`m Wm& àr{_`_ H$s am{e
Ho$ Vm¡a na gm_y{hH$ ì`dgm` H$m A§e g~go A{YH$ (51.68
à{VeV) Wm, {OgHo$ ~mX d¡`{º$H$ (38.55 à{VeV) H$m A§e
Am¡a gaH$mar ì`dgm` (9.77 à{VeV) H$m A§e Wm&
40 Annual Report 2023-24gmaUr I.26: gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm©Am| Ho$ ñdmñÏ` ~r_m ì`dgm` Ho$ A§VJ©V nm{b{g`m±,
H$da {H$`o J`o OrdZ, Am¡a àr{_`_
nm{b{g`m| H$s H$da {H$`o J`o OrdZm| gH$b àr{_`_
ì`dgm` H$s loUr g§»`m (bmI) H$s g§»`m (bmI) (<H$amo‹S>)
2022-23 2023-24 2022-23 2023-24 2022-23 2023-24
gaH$ma àm`mo{OV ì`dgm` 0.001 0.00 2,977.48 2611.04 8,480.28 10,513.67
(0.00) (0.00) (-2.86) (-12.31) (39.57) (23.98)
gm_y{hH$ ì`dgm` 6.50 37.29 1,993.97 2,559.09 46,245.87 55,666.01
(-7.07) (473.69) (22.87) (28.34) (25.36) (20.37)
d¡`{º$H$ ì`dgm` 219.92 230.99 528.91 558.57 34,765.61 41,501.06
(0.31) (5.03) (2.46) (5.61) (15.56) (19.37)
Hw$b 226.42 268.29 5500.36 5728.71 89,491.76 1,07,680.74
(0.08) (18.49) (5.69) (4.15) (22.50) (20.32)
{Q>ßnUr… H$moð>H$ _| Am§H$‹S>o {nN>bo df© H$s VwbZm _| d¥{Õ (à{VeV _|) Xem©Vo h¢²& So>Q>m d¡`{º$H$ XþK©Q>Zm Am¡a `mÌm ~r_m H$m oN>mo‹S>H$a h¡&
ñdmñÏ` ~r_m Ho$ A§VJ©V Xmdo
I.6.5.4 gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm©Am| Ho$ ñdmñÏ` ~r_m
ì`dgm` H$o AV§ JV© {Zdb CnJV Xmd o 2023-24 _ | é. 76,160
H$amo‹S> na Wo {OÝhm|Zo {nN>bo df© H$s VwbZm _| bJ^J 18
à{VeV H$s d¥{Õ gy{MV H$s& ñdmñÏ` ì`dgm` Ho$ CnJV Xmdm
AZwnmV (AmB©grAma) _| 2022-23 Ho$ 88.89 à{VeV go
2023-24 _| 88.15 à{VeV VH$ {JamdQ> ahr&
Annual Report 2023-24 41gmaUr I.27: gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm©Am| Ho$ ñdmñÏ` ~r_m ì`dgm` Ho$ A§VJ©V CnJV Xmdm AZwnmV
(à{VeV ‘|)
gaH$mar ì`dgm` gm_y{hH$ ì`dgm` d¡`{º$H$ ì`dgm` Hw$b
~r_mH$Vm©
2022-23 2023-24 2022-23 2023-24 2022-23 2023-24 2022-23 2023-24
gaH$mar joÌ ~r_mH$Vm© 101.49 114.88 106.98 103.07 101.65 95.74 104.91 103.38
{ZOr joÌ ~r_mH$Vm© 123.67 121.23 89.38 90.79 79.98 81.28 86.82 88.71
ñQ>¢S>-AbmoZ ñdmñÏ` ~r_mH$Vm© 0.00 0.00 60.60 66.59 62.66 64.08 62.17 64.71
Hw$b 102.28 115.28 95.89 93.75 76.03 75.06 88.89 88.15
42 Annual Report 2023-24I.6.5.5 2023-24 Ho$ Xm¡amZ, gmYmaU Am¡a ñdmñÏ` à{Vny{V© nÕ{V Ho$ Ûmam {ZnQ>m`m J`m& ~r_mH$Vm©Am| Zo AnZr
~r_mH$Vm©Am| Zo 2.69 H$amo‹S> ñdmñÏ` ~r_m Xmdm| H$m {ZnQ>mZ Xmdm am{e`m| Ho$ 1 à{VeV H$m {ZnQ>mZ XmoZm| ZH$Xra{hV Am¡a
{H$`m Am¡a ñdmñÏ` ~r_m Xmdm| Ho$ {ZnQ>mZ Ho$ {bE é.83,493 à{Vny{V© nÕ{V Ho$ Ûmam {H$`m h¡& _mÌm _| ZH$Xra{hV Xmdm| Ho$
H$amo‹S> H$s am{e H$m ^wJVmZ {H$`m& à{V Xmdm ^wJVmZ H$s JB© Vm¡a na, 66.17 à{VeV H$m {ZnQ>mZ ZH$Xra{hV nÕ{V Ho$ Ûmam
Am¡gV am{e é. 31,086 Wr& {ZnQ>m`o J`o Xmdm| H$s g§»`m Ho$ {H$`m J`m&
Vm¡a na Xmdm| Ho$ 72 à{VeV H$m {ZnQ>mZ Q>rnrE Ho$ _mÜ`_ go
I.6.5.6 2023-24 Ho$ Xm¡amZ, ~r_mH$Vm©Am| Zo AnZr ~{h`m|
{H$`m J`m VWm eof 28 à{VeV Xmdm| H$mo Am§V[aH$ ì`dñWm Ho$
_| n§OrH¥$V Xmdm| H$s Hw$b g§»`m Ho$ bJ^J 83 à{VeV H$m
Ûmam {ZnQ>m`m J`m& Xmdm| Ho$ {ZnQ>mZ H$s nÕ{V Ho$ Vm¡a na,
{ZnQ>mZ {H$`m h¡ Am¡a CZHo$ bJ^J ½`mah à{VeV H$mo {ZamH¥$V
Xmdm| H$s Hw$b g§»`m Ho$ 66.16 à{VeV H$m {ZnQ>mZ ZH$Xra{hV
{H$`m h¡ VWm 31 _mM© 2024 H$s pñW{V Ho$ AZwgma eof N>h
nÕ{V Ho$ _mÜ`_ go {H$`m J`m Am¡a AÝ` 39 à{VeV H$mo
à{VeV b§{~V Wo&
gmaUr I.28: gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm©Am| Ho$ ñdmñÏ` ~r_m ì`dgm` Ho$ A§VJ©V ^wJVmZ
{H$`o J`o Xmdo (2023-24)
Q>rnrE Am§V[aH$ Hw$b
Xmdm {ZnQ>mZ H$s nÕ{V g§»`m. am{e g§»`m am{e g§»`m am{e
(bmI) (<H$amo‹S>) (bmI) (<H$amo‹S>) (bmI) (<H$amo‹S>)
Ho$db ZH$Xra{hV 114.84 34,710.02 42.00 20,525.07 156.84 55,235.09
(59.69) (66.94) (55.12) (64.87) (58.39) (66.16)
Ho$db à{Vny{V© 73.58 16,302.99 31.07 9,873.56 104.65 26,176.56
(38.25) (31.44) (40.77) (31.20) (38.96) (31.35)
XmoZm| ZH$Xra{hV Am¡a à{Vny{V© 1.64 710.98 1.05 763.02 2.69 1,474.00
(0.85) (1.37) (1.38) (2.41) (1.00) (1.77)
bm^ AmYm[aV 2.33 128.12 2.08 479.40 4.41 607.52
(1.21) (0.25) (2.73) (1.52) (1.64) (0.73)
Hw$b 192.39 51,852.11 76.20 31,625.14 268.59 83,493.17
(100) (100) (100) (100) (100) (100)
{Q>ßnUr… H$moð>H$ _| Am§H$‹S>o Hw$b _| go à{VeV h¢& So>Q>m d¡`{º$H$ XþK©Q>Zm Am¡a `mÌm ~r_m H$mo N>mo‹S>H$a h¡&
gmaUr I.29: gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm©Am| Ho$ ñdmñÏµ`
~r_m ì`dgm` Ho$ A§VJ©V Xmdm| H$s pñW{V (2023-24)
Ad{Y Ho$ Ad{Y Ho$ Hw$b Xmdo Ad{Y Ho$ nm{bgr g§{dXm Ad{Y Ho$ df© Ho$ A§V
àma§^ _| Xm¡amZ n§OrH¥$V Xm¡amZ ^wJVmZ H$s eVm] Ho$ Xm¡amZ {ZamH¥$V _| ~H$m`m
~H$m`m Z`o Xmdo {H$`o J`o AZwgma AñdrH¥$V Xmdo Xmdo
Xmdo Xmdo Xmdo
g»§ `m am{e g»§ `m am{e g»§ `m am{e g»§ `m am{e g»§ `m am{e g»§ `m am{e g»§ `m am{e
(bmI) (` H$amo‹S>) (bmI) (` H$amo‹S>) (bmI) (` H$amo‹S>) (bmI) (` H$amo‹S>) (bmI) (` H$amo‹S>) (bmI) (` H$amo‹S>) (bmI) (` H$amo‹S>)
17.85 6,290.28 307.87 1,10,825.06 325.72 1,17,115.34 268.59 83,493.17 0.00 15,100.42 36.40 10,937.18 20.73 7,584.57
(100) (100) (82.46) (71.29) (0) (12.90) (11.18) (9.34) (6.36) (6.48)
{Q>ßnUr… H$moð>H$ _| Am§H$‹S>o Hw$b _| go à{VeV h¢²&
Annual Report 2023-24 43OrdZ ~r_mH$Vm©Am| H$m ñdmñÏ` ~r_m ì`dgm` I.6.5.7 df© 2023-24 Ho$ Xm¡amZ, OrdZ ~r_mH$Vm©Am| Zo
ñdmñÏ` ~r_m àr{_`_ Ho$ ê$n _| 2022-23 _| àmá é.1,483
àr{_`_, nm{b{g`m± Am¡a H$da {H$`o J`o OrdZ H$amo‹S> H$s VwbZm _| 4.75 à{VeV H$s d¥{Õ XO© H$aVo hþE é.
1,554 H$amo‹S> H$m g§J«hU {H$`m&
OrdZ ~r_mH$Vm©Am| Ho$ Ûmam {dnUZ {H$`o J`o ñdmñÏ` OrdZ ~r_m CËnmXm| Ho$ gmW g§~Õ ñdmñÏ` ~r_m amBS>a
~r_m CËnmX
I.6.5.9 amBS>a Om o _by CËnmXm | H$o gmW g~§ Õ h,¢ nm{bgrYmaH$m|
I.6.5.8 2023-24 Ho$ Xm¡amZ, OrdZ ~r_mH$Vm©Am| Zo {d{^Þ H$mo _yë` Ho$ n[adY©Z Ho$ ê$n _| àñVm{dV {H$`o OmVo h¢²&
ñdmñÏ` ~r_m CËnmXm| go é.722 H$amo‹S> H$m Hw$b àr{_`_ àmá 2023-24 Ho$ Xm¡amZ OrdZ ~r_m nm{b{g`m| Ho$ gmW g§~Õ
{H$`m& O~{H$ ZdrH$aU àr{_`_ Zo Hw$b àr{_`_ Ho$ bJ^J ñdmñÏ` ~r_m amBS>am| Ho$ _mÜ`_ go é. 832 H$amo‹S> H$m àr{_`_
85 à{VeV H$m A§eXmZ {H$`m, Z`o ì`dgm` Zo eof 15 àmá {H$`m J`m& BZ amBS>am| go àmá Hw$b àr{_`_ _| go 58
à{VeV H$m A§eXmZ {H$`m& 2023-24 Ho$ Xm¡amZ OrdZ à{VeV ZdrH$aU Ho$ H$maU Wm, O~{H$ eof 42 à{VeV H$m
~r_mH$Vm©Am| Zo 1.98 bmI OrdZm| H$mo H$da H$aVo hþE 0.91 A§eXmZ Z`o ì`dgm` Ho$ Ûmam {H$`m J`m& 2023-24 Ho$
bmI ZB© nm{b{g`m± Omar H$s h¢, O~{H$ CÝhm|Zo 9.46 OrdZm| Xm¡amZ, 30.82 bmI OrdZm| H$mo H$da H$aZodmbo Z`o OrdZ
H$mo H$da H$aVo hþE 9.16 bmI nm{b{g`m| H$m ZdrH$aU {H$`m ~r_m CËnmXm| Ho$ gmW 7.68 bmI ñdmñÏ` ~r_m amBS>a Omar
h¡& {H$`o J`o& Bgr Ad{Y Ho$ Xm¡amZ, OrdZ ~r_m CËnmXm| Ho$ gmW
g§~Õ 25.23 bmI amBS>am| H$m ZdrH$aU {H$`m J`m {OÝhm|Zo
31.25 bmI OrdZm| H$mo H$da {H$`m&
gmaUr I.30: OrdZ ~r_mH$Vm©Am| Ho$ ñdmñÏ` ~r_m ì`dgm` Ho$ A§VJ©V nm{b{g`m| H$s g§»`m,
H$da {H$`o J`o OrdZ, àr{_`_
nm{b{g`mo H$s g§»`m / amBS>am| H$s g§»`m H$da {H$`o J`o OrdZm| H$s g§»`m ('000) gH$b àr{_`_ (<H$amo‹S>)
ì`dgm` H$s loUr
2022-23 2023-24 2022-23 2023-24 2022-23 2023-24
OrdZ ~r_mH$Vm©Am| Ûmam {dnUZ {H$`o J`o ñdmñÏ` ~r_m CËnmX
Z`m ì`dgm` 2,86,397 90,605 298.76 197.99 98.86 109.44
ZdrH$aU ì`dgm` 6,52,631 9,15,960 1019.35 945.61 442.03 612.44
OrdZ ~r_m CËnmXm| Ho$ gmW g§~Õ ñdmñÏ` amBS>a
Z`m ì`dgm` 8,19,586 7,68,372 5,861.60 3,082.38 479.65 347.01
ZdrH$aU ì`dgm` 31,09,308 25,23,119 3,441.80 3,124.93 462.76 484.84
44 Annual Report 2023-24OrdZ ~r_mH$Vm©Am| Ho$ ñdmñÏ` ~r_m ì`dgm` Ho$ A§VJ©V Hw$b Xmdm| H$m 83 à{VeV) Ho$ {ZnQ>mZ Ho$ {bE Xmdm| Ho$ ê$n _|
Xmdo é.315 H$amo‹S> H$m ^wJVmZ {H$`m h¡& amBS>a Xmdm| Ho$ g§~§Y _|,
~r_mH$VmA© m | H$o Ûmam é.181 H$amS‹o > H$s am{e H$m ^Jw VmZ nO§ rH$¥V
I.6.5.10 df© 2023-24 Ho$ Xm¡amZ, OrdZ ~r_mH$Vm©Am| Zo
96 à{VeV Xmdm| Ho$ {bE {H$`m J`m&
ñdmñÏ` ~r_m CËnmXm| Ho$ g§~§Y _| 30,258 Xmdm| (n§OrH¥$V
gmaUr I.31: OrdZ ~r_mH$Vm©Am| Ho$ ñdmñÏ` ~r_m ì`dgm` Ho$ A§VJ©V Xmdm| H$s pñW{V
(g§»¶m bmI ‘| Am¡a am{e ` H$amo‹S> ‘|)
df© Ho$ df© Ho$ Xm¡amZ df© Ho$ Xm¡amZ {ZamH¥$V/ df© Ho$ A§V
I§S> àma§^ _| gy{MV {H$`o ^wJVmZ {H$`o AñdrH¥$V _| ~H$m`m
~H$m`m Xmdo J`o Xmdo J`o Xmdo Xmdo Xmdo
g§»`m am{e g§»`m am{e g§»`m am{e g§»`m am{e g§»`m am{e
ñdmñÏ` ~r_m CËnmX 584 17.34 36,389 366.09 30,258 314.55 6,291 51.42 424 17.46
ñdmñÏ` ~r_m amBS>a 230 23.02 23,894 229.88 23,063 181.41 704 53.36 357 18.12
d¡`{º$H$ XþK©Q>Zm ~r_m I.6.5.12 2023-24 H$o Xma¡ mZ, d`¡ {º$H$ XKþ Q© >Zm ~r_m ì`dgm`
go gH$b àr{_`_ Am` é. 7,788 H$amo‹S> Wr& O~{H$ {ZOr
I.6.5.11 2023-24 Ho$ Xm¡amZ, ~r_m CÚmoJ Zo d¡`{º$H$
joÌ Ho$ gm_mÝ` ~r_mH$Vm©Am| Zo Hw$b àr{_`_ _| bJ^J 57
XþK©Q>Zm ~r_m Ho$ A§VJ©V Hw$b 165.05 H$amo‹S> OrdZm| H$mo H$da
à{VeV H$m `moJXmZ {X`m h¡, gmd©O{ZH$ joÌ Ho$ gm_mÝ`
{H$`m h¡& Bg_| gaH$ma Ûmam àm`mo{OV `moOZmAm| AWm©V² àYmZ
~r_mH$VmA© m | Ama¡ EH$b ñdmñÏ` ~r_mH$VmA© m | Z o H$«_e… bJ^J
_§Ìr gwajm ~r_m `moOZm (nrE_Eg~rdmB©) Am¡a àYmZ _§Ìr OZ
33 à{VeV Am¡a 10 à{VeV àr{_`_ H$m `moJXmZ {X`m h¡& df©
YZ `moOZm (nrE_OoS>rdmB©), VWm B©-{Q>H$Q> `m{Ì`m| Ho$ {bE
2023-24 Ho$ {bE Bg ì`dgm` Ho$ {bE AmB©grAma bJ^J
AmB©AmagrQ>rgr `mÌm ~r_m Ho$ A§VJ©V H$da {H$`o J`o 90.10
67 à{VeV Wm&
H$amo‹S> OrdZ em{_b h¢&
gmaUr I.32: d¡`{º$H$ XþK©Q>Zm ~r_m Ho$ A§VJ©V ì`dgm`
OrdZmo H$s g§»`m (bmI) gH$b àr{_`_ (<H$amo‹S>) CnJV Xmdm AZwnmV (%)
~r_mH$Vm©
2022-23 2023-24 2022-23 2023-24 2022-23 2023-24
gaH$mar joÌ 5,546.56 7,975.95 2,089.75 2,554.99 96.20 96.82
{ZOr joÌ 6,082.04 8316.54 4,171.23 4,468.73 48.14 53.80
ñQ>¢S>-AbmoZ ñdmñÏ` 272.30 212.02 786.60 764.76 24.54 23.99
Hw$b 11,900.90 16,504.51 7,047.58 7,788.47 60.77 66.87
{Q>ßnUr…
1. Cº$ So>Q>m _| AmB©AmagrQ>rgr, nrE_Eg~rdmB© Am¡a nrE_OoS>rdmB© ì`dgm`m| Ho$ A§VJ©V H$da {H$`o J`o OrdZm| H$s g§»`m em{_b h¡&
2. Cº$ So>Q>m _| {dXoem| _| {H$`o J`o d¡`{º$H$ XþK©Q>Zm H$m ã`moam em{_b Zht h¡&
3. `h Ü`mZ aIm OmE {H$ AmB©AmagrQ>rgr `moOZm Ho$ A§VJ©V, d¡`{º$H$ XþK©Q>Zm H$da aob `m{Ì`m| H$mo `mÌr Ûmam H$s JB© Ho$db EH$ {d{Z{X©ï> `mÌm Ho$ {bE {X`m
OmVm h¡ VWm EH$ ì`{º$ gy{MV H$s JB© Ad{Y Ho$ Xm¡amZ H$B© `mÌmE± H$a gH$Vm h¡& {H$gr ^r d¡`{º$H$ XþK©Q>Zm nm{bgr/`moOZmAm| _| H$da {H$`o J`o OrdZm|
Ho$ {bE, EH$ ì`{º$ H$mo H$B© ~ma H$da {H$`m J`m hmoJm&
Annual Report 2023-24 45gmaUr I.33: gaH$ma àm`mo{OV d¡`{º$H$ XþK©Q>Zm J`o& 2023-24 Ho$ {bE gr_mnma `mÌm ~r_m ì`dgm` go
`moOZmAm| Ho$ A§VJ©V H$daoO
gH$b àr{_`_ Am` é. 1,099 H$amo‹S> Wr& ì`dgm` H$s Bg
ì`dñWm _|, {ZOr gmYmaU ~r_mH$Vm© ~‹S>o pIbm‹S>r h¢ {OZH$m
H$da {H$`o J`o gH$b
`moOZm ì`{º$`m| H$s àr{_`_ ~mOma A§e gH$b àr{_`_ _| bJ^J 85 à{VeV h¡& ì`dgm`
g§»`m (bmI) (<H$amo‹S>) H$s Bg ì`dñWm Ho$ {bE AmB©grAma df© 2023-24 Ho$ {bE
AmB©AmagrQ>rgr 3,734.70 11.67 42 à{VeV Wm&
nrE_OoS>rdmB© 1,874.75 5.65
I.6.5.14 2023-24 Ho$ Xm¡amZ, Xoer `mÌm ~r_m ì`dgm` go
nrE_Eg~rdmB© 3,400.06 685.13
g§J¥hrV gH$b àr{_`_ é. 125.53 H$amo‹S> Wm, {OgZo {nN>bo
Hw$b 9,009.51 702.45
df© H$s VwbZm _| bJ^J 45 à{VeV H$s {JamdQ> XO© H$s&
`mÌm ~r_m gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm©Am| Zo 1.62 bmI nm{b{g`m|
I.6.5.13 2023-24 Ho$ Xm¡amZ, 23.23 bmI gr_mnma `mÌm Ho$ A§VJ©V 43.31 H$amo‹S> OrdZm| H$mo H$da {H$`m h¡&
~r_m nm{b{g`m| Ho$ A§VJ©V 74.96 bmI OrdZ H$da {H$`o
gmaUr I.34: gr_mnma `mÌm ~r_m Ho$ A§VJ©V ì`dgm`
OrdZm| H$s g§»`m (bmI) gH$b àr{_`_ (<H$amo‹S>) CnJV Xmdm AZwnmV (%)
~r_mH$Vm©
2022-23 2023-24 2022-23 2023-24 2022-23 2023-24
gaH$mar joÌ 0.57 0.74 20.05 19.05 41.91 50.96
{ZOr joÌ 69.54 58.69 746.99 931.99 43.68 43.43
ñQ>¢S>-AbmoZ ñdmñÏ` 8.60 15.53 138.49 148.00 32.10 33.58
Hw$b 78.71 74.96 905.53 1099.04 41.59 42.16
{Q>ßnUr… Cº$ So>Q>m _| {dXoem| _| {H$`o J`o gr_mnma `mÌm ~r_m ì`dgm` H$m ã`moam em{_b Zht h¡&
gmaUr I.35: Xoer `mÌm ~r_m Ho$ A§VJ©V ì`dgm`
OrdZm| H$s g§»`m (bmI) gH$b àr{_`_ (<H$amo‹S>) CnJV Xmdm AZwnmV (%)
~r_mH$Vm©
2022-23 2023-24 2022-23 2023-24 2022-23 2023-24
gaH$mar joÌ 0.01 0.00 0.01 0.03 0.00 0.00
{ZOr joÌ 4,776.34 4,306.97 162.70 99.05 21.94 20.70
ñQ>¢S>-AbmoZ ñdmñÏ` 18.39 24.41 67.12 26.45 4.94 10.81
Hw$b 4,794.74 4,331.38 229.83 125.53 16.90 18.77
^maV Ho$ ~mha OmopI_-A§{H$V ñdmñÏ` ~r_m ì`dgm` d¡`{º$H$ XþK©Q>Zm Am¡a `mÌm ~r_m go é. 154 H$amo‹S> H$m gH$b
àr{_`_ àmá {H$`m h¡ VWm 10.17 bmI OrdZm| H$mo H$da
I.6.5.15 gaH$mar joÌ gmYmaU ~r_mH$Vm© AWm©V² Ý`y B§{S>`m,
{H$`m h¡& ^maV Ho$ ~mha {H$`o J`o Bg ì`dgm` Ho$ {bE
ZoeZb Am¡a Amo[a`ÝQ>b B§í`moa|g {dXoem| _| ñdmñÏ` ~r_m
AmB©grAma 2023-24 Ho$ Xm¡amZ 107 à{VeV h¡&
ì`dgm` H$a aho h¢²& df© 2023-24 Ho$ Xm¡amZ, CÝhm|Zo ñdmñÏ`,
46 Annual Report 2023-24gmaUr I.36: ^maV Ho$ ~mha OmopI_-A§{H$V ñdmñÏ`, d¡`{º$H$ XþK©Q>Zm Am¡a `mÌm ~r_m ì`dgm`
H$da {H$`o J`o OrdZm| H$s gH$b àr{_`_ CnJV Xmdm AZwnmV
~r_mH$Vm© g§»`m ('000) (<H$amo‹S>) (%)
2022-23 2023-24 2022-23 2023-24 2022-23 2023-24
ZoeZb 98.00 10.73 2.67 1.53 189.96 210.28
Ý`y B§{S>`m 1,033.32 992.39 218.80 150.96 81.12 106.12
Amo[a`ÝQ>b 15.45 13.88 41.20 1.62 104.50 89.50
Hw$b 1,146.77 1017.00 262.67 154.11 85.24 106.83
I.6.6 J«m_rU Am¡a gm_m{OH$ joÌ _| {H$E OmZo dmbo I.6.6.2 AmB©AmaS>rEAmB© (J«m_rU Am¡a gm_m{OH$ joÌm| Ho$
ì`dgm` H$m {d{Z{X©ï> à{VeV à{V ~r_mH$Vm©Am| Ho$ Xm{`Ëd) {d{Z`_, 2015 ~r_mH$Vm©Am| go
Anojm H$aVo h¢ {H$ do n[aMmbZ Ho$ dfm] H$s g»`m Ho$ AmYma
~r_m A{Y{Z`_, 1938 H$s Ymam 32~r Am¡a 32gr VWm
na BZ I§S>m| _| ì`dgm` H$m OmopI_-A§H$Z H$a|²& BZ {d{Z`_m|
AmB©AmaS>rEAmB© (J«m_rU Am¡a gm_m{OH$ joÌm| Ho$ à{V
_| `h ^r ì`dñWm h¡ {H$, `{X H$moB© ~r_m H§$nZr n[aMmbZ
~r_mH$Vm©Am| Ho$ Xm{`Ëd) {d{Z`_, 2015 dm{f©H$ AmYma na
{dÎmr` df© H$s Xÿgar N>_mhr _| àma§^ H$aVr h¡ Am¡a g§~§{YV
~r_mH$Vm©Am| Ûmam nyao {H$`o OmZodmbo J«m_rU Am¡a gm_m{OH$
{dÎmr` df© Ho$ 31 _mM© H$mo N>h _hrZo go H$_ Ad{Y Ho$ {bE
joÌm| go ì`dgm` Ho$ bú` {ZYm©[aV H$aVo h¢²&
n[aMmbZ _| h¡…
J«m_rU Am¡a gm_m{OH$ joÌm| _| ~r_mH$Vm©Am| Ho$ Xm{`Ëdm|
i. Cn`w©º$ Ad{Y Ho$ {bE H$moB© J«m_rU AWdm gm_m{OH$
g§~§Yr {d{Z`_
joÌ Xm{`Ëd bmJy Zht hm|Jo; VWm
I.6.6.1 AmB©AmaS>rEAmB© (J«m_rU Am¡a gm_m{OH$ joÌm| Ho$ ii. Cº$ {d{Z`_m| _| {Z{X©ï> ê$n _| dm{f©H$ Xm{`Ëdm| H$s JUZm
à{V ~r_mH$VmA© m | H$o Xm{`Ëd) {d{Z`_, 2015 Z o dm{fH© $ AmYma AJbo {dÎmr` df© go H$s OmEJr Omo AZwnmbZ Ho$ à`moOZ
na ~r_mH$VmA© m | H$o Ûmam nay o {H$` o OmZdo mb o Jm«_rU Ama¡ gm_m{OH$ Ho$ {bE n[aMmbZ Ho$ àW_ df© Ho$ ê$n _| _mZm OmEJm&
joÌm| go ì`dgm` Ho$ bú` {ZYm©[aV {H$`o h¢²& BZ {d{Z`_m| Ho$
AZwgma, ~r_mH$Vm©Am| go Ano{jV h¡ {H$ do {ZYm©[aV df©-dma iii. Cg pñW{V _| Ohm± H$moB© OrdZ ~r_m H§$nZr n[aMmbZ
ì`dgm` Ho$ bú`m| H$mo nyam H$a| : {dÎmr` df© H$s nhbr N>_mhr _| àma§^ H$aVr h¡, dhm±
àW_ df© Ho$ {bE bmJy Xm{`Ëd J«m_rU joÌm| Ho$ {bE
i. Hw$b ì`dgm` na n[aH${bV gm_m{OH$ joÌ OrdZm| Ho$ Xm{`Ëdm| H$m 50 à{VeV hm|Jo Am¡a gm_m{OH$ joÌ Ho$ {bE
à{VeV Ho$ Vm¡a na; Am¡a 2500 OrdZ hm|Jo&
ii. J«m_rU joÌm| go, OrdZ ~r_mH$Vm©Am| Ho$ {bE nm{b{g`m| 2023-24 Ho$ Xm¡amZ ~r_mH$Vm©Am| Ûmam Xm{`Ëdm| H$s ny{V©
H$s g§»`m Ho$ à{VeV Ho$ Vm¡a na VWm gmYmaU Am¡a
OrdZ ~r_mH$Vm©
ñQ>¢S>-AbmoZ ñdmñÏ` ~r_mH$Vm©Am| Ho$ {bE àË`j
OmopI_-A§{H$V gH$b àr{_`_ Ho$ Vm¡a na²& BZ {d{Z`_m|
I.6.6.3 df© 2023-24 Ho$ Xm¡amZ, gaH$mar joÌ ~r_mH$Vm© Ed§
H$m g§emoYZ {H$`m J`m h¡ Am¡a BÝh| AmB©AmaS>rEAmB© g^r nƒrg {ZOr joÌ OrdZ ~r_m H§$n{Z`m| Zo AnZo J«m_rU
(Jm«_rU, gm_m{OH$ Ama¡ _mQo >a AÝ` nj Xm{`Ëd) {d{Z`_, Am¡a gm_m{OH$ joÌ Xm{`Ëdm| H$mo nyam {H$`m h¡&
2024 Ho$ ê$n _| g_o{H$V {H$`m J`m h¡ Omo 1 Aà¡b
2024 go àd¥Îm hm|Jo& Cº$ {d{Z`_ Ho$ g§~§Y _| EH$ I.6.6.4 OrdZ ~r_m H§$n{Z`m| Zo 2023-24 _| AnZo Ûmam
OmopI_-A§{H$V Hw$b 291.77 bmI nm{b{g`m| _| go J«m_rU
{dñV¥V ~mŠg _X ^mJ II _| CnbãY h¡&
joÌ _| 122.70 bmI nm{b{g`m| H$m OmopI_-A§H$Z {H$`m&
Annual Report 2023-24 47gaH$mar joÌ ~r_mH$Vm© Zo ZB© nm{b{g`m| Ho$ 47.72 à{VeV Cº$ {d{Z`_m| Ho$ Ûmam {d{Z{X©ï> {H$`o OmZodmbo ê$n _| _moQ>a
H$m OmopI_-A§H$Z J«m_rU joÌ _| {H$`m Am¡a {ZOr ~r_mH$Vm©Am| dmhZm| Ho$ AÝ` nj OmopI_m| _| ~r_m ì`dgm` Ho$ Ý`yZV_
Zo J«m_rU joÌ _| AnZr ZB© d¡`{º$H$ nm{b{g`m| Ho$ 28.91 à{VeV H$m OmopI_-A§H$Z H$aoJm& VXZwgma, AmB©AmaS>rEAmB©
à{VeV H$m OmopI_-A§H$Z {H$`m& (_moQ>a AÝ` nj ~r_m ì`dgm` Ho$ g§~§Y _| ~r_mH$Vm©Am| Ho$
Xm{`Ëd) {d{Z`_, 2015 dm{f©H$ AmYma na _moQ>a AÝ` nj
I.6.6.5 OrdZ ~r_mH$Vm©Am| Zo gm_m{OH$ joÌ Ho$ A§VJ©V ~r_m ì`dgm` Ho$ g§~§Y _| ~r_mH$Vm©Am| Ho$ Ý`yZV_ Xm{`Ëd H$mo
6.66 H$amo‹S> OrdZm| H$mo H$da {H$`m h¡, ¶m{Z 22.75 à{VeV
{ZYm©[aV H$aVm h¡&
Omo${ZYm©[aV 5 à{VeV go A{YH$ h¡ & gaH$mar joÌ ~r_mH$Vm©
Zo 5.73 à{VeV àmá {H$`m Am¡a {ZOr joÌ ~r_mH$Vm©Am| Zo df© 2023-24 _| 25 gmYmaU ~r_mH$Vm©Am| ({deofrH¥$V Am¡a
26.88 à{VeV àmá {H$`m& ñQ>¢S>-AbmoZ ñdmñÏ` ~r_mH$Vm©Am| H$mo N>mo‹S>H$a) _| go Xmo
~r_mH$Vm©Am| Zo _moQ>a AÝ` nj ~r_m ì`dgm` Ho$ g§~§Y _|
I.6.6.6 _ogg© ghmam B§{S>`m bmB\$ B§í`moa|g H§$nZr {b. H$mo Ý`yZV_ Xm{`Ëd H$m AZwnmbZ Zht {H$`m& `h {df` {d{Z`m_H$
~r_m A{Y{Z`_, 1938 H$s Ymam 52~r (2) Ho$ AYrZ
n[aàoú` go Om±M Ho$ AYrZ h¡& jo_m gmYmaU ~r_mH$Vm© H$mo
AmB©AmaS>rEAmB© Ho$ AmXoe g§X^© AmB©AmaS>rEAmB©/E\$EÊS>E/
2023-24 Ho$ Xm¡amZ Cº$ ~mÜ`H$a Anojm bmJy H$aZo go Ny>Q> Xr
AmoAma/E\$E/ 148/06/2017 Ho$ AZwgma 24 OyZ 2017 go
JB© h¡ Š`m|{H$ CgZo n[aMmbZ _mh _B© 2023 _| àma§^ {H$`m h¡
Z`o ì`dgm` H$m OmopI_-A§H$Z Z H$aZo Ho$ {bE {ZXoe {X`m
VWm AmB©AmaS>rEAmB© (_moQ>a AÝ` nj ~r_m ì`dgm` Ho$
J`m Wm& AV… ghmam B§{S>`m bmB\$ B§í`moa|g H§$nZr {b. H$mo
g§~§Y _| ~r_mH$Vm© H$m Xm{`Ëd) {d{Z`_, 2015 Ho$ AZwgma
J«m_rU Am¡a gm_m{OH$ joÌ Xm{`Ëdm| Ho$ AZwnmbZ go Ny>Q> Xr
Z`o gmYmaU ~r_mH$Vm© H$mo Cg {dÎmr` df© g{hV {Og_| CgHo$
JB© h¡&
n[aMmbZ àma§^ {H$`o OmVo h¢, CgHo$ n[aMmbZm| Ho$ àW_ Xmo
{dÎmr` dfm] Ho$ Xm¡amZ Cº$ ~mÜ`H$a Anojm H$mo bmJy H$aZo go
gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm©
Ny>Q> Xr OmVr h¡&
I.6.6.7 2023-24 Ho$ Xm¡amZ, g^r 25 gmYmaU ~r_mH$Vm©Am|
I.6.7 boIm Am¡a ~r_m§{H$H$ _mZH$
({defo rH$¥V Ama¡ ñQ>S¢ >-AbmZo ñdmñÏ` ~r_mH$VmA© m |H$m oN>mS‹o >H$a)
Zo AnZo J«m_rU Am¡a gm_m{OH$ joÌ Xm{`Ëdm| H$s ny{V© H$s h¡&
I.6.7.1 ~r_mH$Vm©Am| Ho$ {dÎmr` {ddaU g_`-g_` na
g^r gmYmaU ~r_mH$Vm©Am| ({deofrH¥$V Am¡a ñQ>¢S>-AbmoZ
`Wmg§emo{YV AmB©AmaS>rE (~r_m H§$n{Z`m| Ho$ {dÎmr` {ddaU
ñdmñÏ` ~r_mH$Vm©Am| H$mo N>mo‹S>H$a) Zo 2023-24 _| J«m_rU
Am¡a boIm-narjH$ H$s [anmoQ>© V¡`ma H$aZm) {d{Z`_, 2002
joÌ _| é. 40,857 H$amo‹S> Ho$ àr{_`_ H$m OmopI_-A§H$Z
Ho$ A§VJ©V VWm g_`-g_` na Omar {H$`o J`o {d{^Þ n[anÌm|
{H$`m& gaH$mar joÌ Am¡a {ZOr joÌ ~r_mH$Vm©Am| Zo J«m_rU joÌ
Am¡a {Xem{ZX}em| Ho$ Ûmam ^r {ZYm©[aV \$m_© _| Am¡a {ZYm©[aV
gH$b àr{_`_ ({deofrH¥$V Am¡a ñQ>¢S>-AbmoZ ñdmñÏ`
VarHo$ go V¡`ma {H$`o OmVo h¢²& boIm-~{h`m| H$m AZwajU BZ
~r_mH$Vm©Am| H$mo N>mo‹S>H$a) Ho$ H«$_e… 21 à{VeV Am¡a 79
{d{Z`_m| Ho$ A§VJ©V Ano{jV ê$n _| {d{^Þ ì`dñWmAm| H$s
à{VeV H$m OmopI_-A§H$Z {H$`m&
_X| àñVwV H$aZo Ho$ {bE {H$`m OmVm h¡&
I.6.6.8 gmV EgEEMAmB© ~r_mH$Vm©Am| Zo J«m_rU joÌ _|
{Z`wº$ ~r_m§H$H$ àUmbr
é.4,712 H$amo‹S> àr{_`_ àmá {H$`m Omo df© 2023-24 _|
CZHo$ Ûmam àmá {H$`o J`o gH$b àr{_`_ H$m 14.23 à{VeV I.6.7.2 àm{YH$aU Zo ~r_m H§$n{Z`m| H$s {dÎmr` g_J«Vm H$mo
~ZVm h¡ VWm CÝhm|Zo gm_m{OH$ joÌ Ho$ A§VJ©V 59.32 bmI ~Zm`o aIZo, nm{bgrYmaH$m| Ho$ {hVm| H$m g§ajU H$aZo Am¡a EH$
OrdZm| H$mo AWm©V² {nN>bo df© _| H$da {H$`o J`o Hw$b OrdZm| Ho$ gwÑ‹T> ~r_m ~mOma H$mo gw{Z{üV H$aZo Ho$ {bE AmB©AmaS>rE
6.73 à{VeV H$mo H$da {H$`m h¡& ({Z`wº$ ~r_m§H$H$) {d{Z`_, 2000 Omar {H$`o& {dÎmr` df©
2022-23 Ho$ Xm¡amZ, àm{YH$aU Zo {Z`wº$ ~r_m§H$H$ g§~§Yr
_moQ>a AÝ` nj ~r_m ì`dgm` Xm{`Ëd {nN>b o{d{Z`_m |H$m ogpå_{bV H$aV ohEþ AmBA© maS>rEAmB ©({Z`ºw $
~r_m§H$H$) {d{Z`_, 2022 Omar {H$`o& ~r_m ì`dgm` Ho$
I.6.6.9 ~r_m A{Y{Z`_, 1938 H$s Ymam 32S>r {d{Z{X©ï>
g§MmbZ _| H$m`©Hw$ebVmAm| H$s d¥{Õ H$aZo Am¡a ~r_m ~mOma
H$aVr h ¡ {H$ gmYmaU ~r_m ì`dgm` H$aZdo mbm àË`Ho $ ~r_mH$Vm©
Ho$ ~XbVo J{V{gÕm§V Ho$ gmW ~am~a MbZo Ho$ {bE, àm{YH$aU
~r_m {d{Y (g§emoYZ) A{Y{Z`_, 2015 Ho$ àma§^ hmoZo Ho$ ~mX
48 Annual Report 2023-24Zo AmB©AmaS>rEAmB© ({Z`wº$ ~r_m§H$H$) {d{Z`_, 2022 H$s iv. AmB©AmaS>rEAmB© (d¡`{º$H$ EO|Q>m| H$s {Z`w{º$) {d{Z`_,
g_rjm H$s Am¡a g_o{H$V AmB©AmaS>rEAmB© (~r_mH$Vm©Am| Ho$ 2016
~r_m§{H$H$, {dÎm Am¡a {Zdoe H$m`©) {d{Z`_, 2024 _| g§JV
Cn~Y§ em{_b {H$`,o {Og_ | AÝ` ~mVm | H$o gmW {Z`ºw $ ~r_mH§ $H$
v. AmB©AmaS>rEAmB© (~r_m {dnUZ \$_© H$m n§OrH$aU)
{d{Z`_, 2015
H$s {Z`w{º$ Ho$ {bE {H«$`m{d{Y, {Z`wº$ ~r_m§H$H$ H$s e{º$`m±,
{Z`wº$ ~r_m§H$H$ Ho$ H$V©ì` Am¡a Xm{`Ëd VWm {Z`wº$ ~r_m§H$H$
vi. AmB©AmaS>rEAmB© (~r_m gd}jH$ Am¡a hm{Z {ZYm©aH$)
àUmbr Ho$ g§~§Y _| H$B© AÝ` Cn~§Y em{_b {H$`o J`o h¢²&
{d{Z`_, 2015
I.6.7.3 {Z`wº$ ~r_m§H$H$ AÝ` ~mVm| Ho$ gmW-gmW ~r_mH$Vm©
vii. AmB©AmaS>rEAmB© (do~ g§J«mhH$) {d{Z`_, 2017
Ho$ à~§YZ H$mo ~r_m§{H$H$ nam_e© XoZo, {deof ê$n go CËnmX
A{^H$ënZ Am¡a H$s_V-{ZYm©aU _| nam_e© XoZo, VH$ZrH$s
viii. ~r_m [anmo{OQ>[a`m| Am¡a ~r_m nm{b{g`m| Ho$ BboŠQ´>m{ZH$
ì`dñWmAm| H$m n[aH$bZ H$aZo, ~r_m g§{dXm eãXmdbr/
{ZJ©_ g§~§Yr {Xem{ZX}e, 2015
dmŠ`aMZm, {Zdoe Am¡a nwZ~u_m, H§$nZr H$s emoYZ-j_Vm
gw{Z{üV H$aZo, OmopI_ à~§Y àUmbr H$m à^mdr H$m`m©Ýd`Z ix. ~r_m B©-H$m_g© g§~§Yr {Xem{ZX}e, 2017
H$aZo, VWm g_`-g_` na Omar {H$`o OmZodmbo àm{YH$aU Ho$
{ZXoem| H$m AZwnmbZ H$aZo Ho$ {bE CÎmaXm`r h¡& BgHo$ Abmdm,
x. AmB©AmaS>rEAmB© (AÝ` nj à~§YH$ ñdmñÏ` godmE±)
{d{Z`_, 2016
{Z`wº$ ~r_m§H$H$ ~r_mH$Vm© Ho$ H$ãOo _| AWdm {Z`§ÌU _|
{dÚ_mZ g_ñV gyMZm AWdm XñVmdoOm| VH$ nhþ±M aIVm h¡,
xi. AmBA© maS>rEAmB © (gm_mÝ` gdo m H$oÝÐm | H$o Ûmam ~r_m gdo mE)±
`{X Eogr nhþ±M {Z`wº$ ~r_m§H$H$ Ho$ H$m`m] Am¡a H$V©ì`m| Ho$
{d{Z`_, 2015
C{MV Am¡a à^mdr H$m`©{ZînmXZ Ho$ {bE Amdí`H$ h¡&
xii. _moQ>a ~r_m godm àXmVm g§~§Yr {Xem{ZX}e, 2017
I.6.8 àm{YH$aU Ûmam Omar {H$`o J`o {ZXoe, AmXoe
Am¡a {d{Z`_
I.6.10 ~r_m ~mOma Ho$ H$m`©MmbZ go g§~§Y aIZodmbr
AÝ` Zr{V`m± Am¡a H$m`©H«$_
I.6.8.1 AmB©AmaS>rEAmB© Zo 2023-24 Ho$ Xm¡amZ H$B© AmXoe
Am¡a n[anÌ Omar {H$`o, {OZH$s gyMr AZw~§Y 4 _| àñVwV H$s
H$. YZ-emoYZ {ZdmaU/AmV§H$dmX Ho$ {dÎmnmofU H$m
JB© h¡& df© Ho$ Xm¡amZ A{Ygy{MV {H$`o J`o {d{Z`_m| H$s gyMr
_wH$m~bm H$aZo H$m (EE_Eb/grE\$Q>r) H$m`©H«$_
AZw~§Y 5 _| àñVwV h¡&
YZ-emYo Z {ZdmaU A{Y{Z`_, 2002 (nrE_EbE) Ama¡ CgH$o
I.6.9 àm{YH$aU Ûmam àË`m`mo{OV e{º$`m± Am¡a H$m`©
AYrZ ~Zm`o J`o {Z`_m| Ho$ Ûmam geº$ {H$`o OmZo Ho$ ~mX Cº$
EE_Eb/grE\$Q>r {Xem{ZX}e ({Xem{ZX}e) ~r_m joÌ H$mo
{dÎmr` df© 2023-24 _| Am`mo{OV àm{YH$aU H$s 123dt
gd©àW_ _mM© 2006 _| Omar {H$`o J`o& V~ go ~r_m joÌ ^maV
~R¡ >H$ {XZmH§ $ 18.08.2023 H$o Xma¡ mZ, àm{YH$aU Z o {ZåZ{bpIV
_| EE_Eb/grE\$Q>r ì`dñWm Ho$ à^mdr H$m`m©Ýd`Z H$s {Xem
{d{Z`_m| Ho$ AYrZ AnZr Hw$N> e{º$`m± AÜ`j/ nyU©H$m{bH$
_| H$m`© H$a ahm h¡&
gXñ`m | / àm{YH$aU H$o AÝ` d[að> A{YH$m[a`m | H$m o àË`m`m{oOV
H$s h¢ :
dV©_mZ _| EE_Eb/grE\$Q>r g§~§Yr {Xem{ZX}e 2022 (g_`-
g_` na `Wmg§emo{YV) ~r_m joÌ Ho$ {bE bmJy h¢²& Cº$ _mñQ>a
i. AmB©AmaS>rEAmB© ({Z`wº$ ~r_m§H$H$) {d{Z`_, 2022
{Xem{ZX}e AÝ` ~mVm| Ho$ gmW J«mhH$ g§~§Yr g_w{MV gmdYmZr
à{H«$`mAm|, [anmo{Qª>J ~mÜ`VmAm| Am¡a A{^boI AZwajU H$s
ii. AmB©AmaS>rEAmB© (~r_m Xbmb) {d{Z`_, 2018
Amdí`H$VmAm| go g§~§{YV AnojmE± {ZYm©[aV H$aVo h¢²& ~r_mH$Vm©
iii. AmBA© maS>rEAmB © (H$manmao Qo > EOQ| >m | H$m nO§ rH$aU) {d{Z`_, Ho$ Am§V[aH$ boIm-narjm/{ZarjU {d^mJm| Ho$ _mÜ`_ go
2015 àUm{b`m |H$s à^mdmË_H$Vm H$s {Z`{_V g_rjm H$s EH$ {ZYm[©aV
à{H«$`m h¡& BgHo$ Abmdm, Cº$ {Xem{ZX}em| Ho$ AZwnmbZ H$s
Annual Report 2023-24 49{ZJamZr ^r AmB©AmaS>rEAmB© Ûmam AmZ-gmBQ Am¡a namoj I. gyMZm H$m A{YH$ma (AmaQ>rAmB©) A{Y{Z`_, 2005
(Amµ\$-gmBQ>) XmoZm| à{H«$`mAmo± Ho$ Ûmam H$s OmVr h¡&
df© Ho$ Xm¡amZ, Cº$ A{Y{Z`_ Ho$ Cn~§Ym| Ho$ AZwgma H$V©ì`m|
{d{Z`{_V g§ñWmAm| Ho$ Ûmam EE_Eb/grE\$Q>r Xm{`Ëdm| Am¡a Am¡a Xm{`Ëdm| Ho$ à^mdr {Zd©hU Ho$ {bE AmaQ>rAmB© A{Y{Z`_,
YZ-emYo Z (E_Eb)/AmVH§ $dmX H$o {dÎmnmfo U (Q>rE\$) OmpoI_m| 2005 Ho$ Cn~§Ym| na àW_ Anrbr` àm{YH$mar (E\$EE) Ûmam
H$s gwñnï> g_P H$mo gw{Z{üV H$aZo Ho$ {bE, AmB©AmaS>rEAmB© Ho$ÝÐr` OZ gyMZm A{YH$m[a`m| (grnrAmB©Amo) Ho$ {bE nañna
Zo 2023-24 Ho$ Xm¡amZ AZoH$ OZg§nH©$ H$m`©H«$_ g§Mm{bV g{H«$` {dMma-{d_e© (B§Q>aEoŠeZ) gÌ H$m Am`moOZ {H$`m
{H$`o h¢²& AmB©AmaS>rEAmB© Ho$ nmg {dÎmr` joÌ _| E_Eb/ J`m& BgHo$ A{V[aº$, A{Y{Z`_ Ho$ AÜ`m`, Ymam 4(2) Ho$
Q>rE\$ OmopI_m| H$s g_P H$s gmPoXmar VWm E_Eb/Q>rE\$ AZwgaU _| AmdoXH$m| Ho$ Ûmam àm`… nyN>r OmZodmbr gyMZm H$s
OmopI_ g§~§Yr gyMZm H$s gmPoXmar H$mo g_W© ~ZmZodmbr lo{U`m| H$s nhMmZ Am¡a Amd{YH$ Vm¡a na CgH$s g_rjm H$aZo
{ZåZ{bpIV ì`dñWmE± ^r {dÚ_mZ h¢ : VWm AmaQ>rAmB© Ho$ g§X^© _| gmd©O{ZH$ nhþ±M (npãbH$ S>mo_oZ)
_| Eogr gyMZm Ho$ àH$Q>rH$aU H$s g_rjm H$aZo Ho$ {bE
i. A§Va-_§Ìmb` g_Ýd` g{_{V (AmB©E_grgr) Ho$ AYrZ
grnrAmB©Amo Am¡a E\$EE H$s EH$ g{_{V H$m JR>Z nhbo hr
g§`wº$ H$m`©-Xb (OoS>ãë`yOr) Omo ^maV H$s EE_Eb/
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grE\$Q>r ì`dñWm H$s à^mdmË_H$Vm _| gwYma bmZo hoVw
à^mdr g_Ýd` Am¡a gh`moJ Ho$ {bE amï´>r` ñVa na gaH$ma Ûmam àm`mo{OV gm_m{OH$ ê$n go CÝ_wI ~r_m
J{R>V H$s JB© h¡ `moOZmE±
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gh_{V kmnZ (E_Amo`y)
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iii. E\$AmB©`y-B§S> Ho$ gmW {dÎmr` joÌ {d{Z`_ZH$Vm©Am| H$s df© H$s gm_y{hH$ gmd{Y OrdZ ~r_m `moOZm h¡ Omo {H$gr ^r
{V_mhr ~¡R>H$ H$maU go _¥Ë`w Ho$ {bE OrdZ ~r_m H$da XoZo Ho$ {bE ^maV
gaH$ma Ûmam A{^H$pënV h¡& gh^mJr ~¢H$m| / S>mH$ Ka Ho$
{dÎmr` df© 2023-24 Ho$ Xm¡amZ {dÎmr` H$ma©dmB© H$m`© ~b
g^r d¡`{º$H$ (EH$b AWdm g§`wº$) ImVmYmaH$ Omo 18 go
(E\$EQ>rE\$), Omo YZ-emoYZ (E_Eb) Am¡a AmV§H$dmX
50 df© Ho$ Am`w g_yh Ho$ h¢, Bg `moOZm _| gpå_{bV hmoZo /
{dÎmnmofU (Q>rE\$) Ho$ {bE EH$ d¡{œH$ {hVàhar (dmMS>mJ)
AmQ>mo-So>{~Q> H$aZo Ho$ {bE AnZr gh_{V XoZo Ho$ Ûmam Bg
h¡, Zo ^maV Ho$ EE_Eb/grE\$Q>r T>m±Mo H$m nmañn[aH$ _yë`m§H$Z
`moOZm _| em{_b hmoZo Ho$ {bE nmÌ h¢²& {H$gr ì`{º$ Ho$ Ûmam
(E_B©) àma§^ {H$`m h¡& Cº$ E_Eb à{H«$`m, A§Ý` ~mVm| Ho$
EH$ `m {d{^Þ ~¢H$m| / S>mH$ Kam| _| EH$ go A{YH$ ImVo Ym[aV
gmW-gmW E\$EQ>rE\$ H$s {g\$m[aem| (VH$ZrH$s AZwnmbZ) Ho$
H$aZo H$s pñW{V _| Eogm ì`{º$ Ho$db EH$ hr ~¢H$ / S>mH$ Ka
AZwnmbZ VWm E_Eb/Q>rE\$/nrE\$ à`moOZm| Ho$ {bE {dÎmr`
ImVo _| Bg `moOZm _| gpå_{bV hmoZo Ho$ {bE nmÌ h¡& Xmo bmI
joÌ Ho$ Xþén`moJ H$m {ZdmaU H$aZo _| Ý`m`ì`dñWm Ûmam bmJy
én`o H$m OrdZ H$da EH$ df© H$s Ad{Y Ho$ {bE hmoJm Omo df©
{H$`o J`o EE_Eb/grE\$Q>r/grnrE\$ T>m±Mo H$s à^mdmË_H$Vm
Ho$ 1 OyZ go AJbo df© Ho$ 31 _B© VH$ ì`má hmoJm VWm `h
Ho$ _yë`m§H$Z H$mo g§~Õ H$aVr h¡&
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AmB©AmaS>rEAmB© Zo amOñd {d^mJ Ho$ VËdmdYmZ _| Cº$ E_B©
_mM© 2024 H$s pñW{V Ho$ AZwgma `h `moOZm gaH$mar joÌ
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OrdZ ~r_mH$Vm ©Ama¡ 13 {ZOr OrdZ ~r_mH$VmA© m |Ûmam àñVm{dV
Q>r_ (EQ>r) H$m AmZgmBQ> {d{OQ> Zd§~a 2023 _| g§Mm{bV
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Ho$ {bE ~r_m joÌ Ho$ Xþén`moJ H$m {ZdmaU H$aZo Ho$ {bE bmJy
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50 Annual Report 2023-24àYmZ_§Ìr gwajm ~r_m `moOZm (nrE_Eg~rdmB©) iv. `h amÁ` H$mo CZHo$ ~OQ> Am¡a Amdí`H$Vm Ho$ AZwgma
OmopI_ A§VaU {dH$ën H$m M`Z H$aZo Ho$ {bE gw{dYm
`h `moOZm 18 go 70 df© H$s Am`w Ho$ CZ bmoJm| Ho$ {bE
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CnbãY h¡ {OZHo$ nmg ~¢H$ ImVm h¡ Am¡a Omo 31 _B© H$mo `m
Cggo nhbo 1 OyZ go 31 _B© VH$ H$s H$daoO Ad{Y Ho$ {bE I. àr{_`_ gpãgS>r Ho$ g_` na {Z_m}MZ ([abrµO) H$mo
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gj_ H$aZo Ho$ {bE AnZr gh_{V XoVo h¢²& Bg `moOZm Ho$ VhV aIZo Ho$ {bE gpãgS>r ^wJVmZ H$mo amÁ` gaH$ma Am¡a
OmopI_ H$daoO AmH$pñ_H$ _¥Ë`w Am¡a nyU© {dH$bm§JVm Ho$ {bE ^maV gaH$ma Ûmam g§`wº$ ê$n go g§Mm{bV {Zb§~ (EñH«$mo)
<2 bmI Am¡a Am§{eH$ {dH$bm§JVm Ho$ {bE <1 bmI h¡& ImVo Ho$ _mÜ`_ go gab Am¡a H$maJa ~Zm`m OmEJm&
nm°{bgr df© 2022-23 Ho$ {bE àr{_`_ <20 à{V df© Wm& gmW hr, gmam {dÎmr` boZXoZ amï´>r` µ\$gb ~r_m nmoQ>©b
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A{ZdmaUr` àmH¥${VH$ OmopI_m| Ho$ {déÕ {H$gmZm| H$s
H$aZm& `h {hVYmaH$m| Ho$ {dœmg H$m {Z_m©U H$aZo _|
µ\$gbm| Ho$ {bE ì`mnH$ OmopI_ H$da gw{Z{üV H$aZo hoVw
ghm`Vm H$aoJm VWm EdmB© So>Q>m H$s CnbãYVm _| {db§~
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_| CËnmXZ H$mo g_W©Z XoZo Ho$ CÔoí` Ho$ gmW Iarµ\$
2016 go àma§^ H$s JB© Wr& nrE_E\$~rdmB© ^maV _| Hw$b 2. nwZ…g§a{MV _m¡g_ AmYm[aV µ\$gb ~r_m `moOZm
µ\$gb ~r_m ì`dgm` Ho$ 90 à{VeV go A{YH$ ~ZVr h¡& (AmaS>ãë`y~rgrAmB©Eg) 18 \$adar 2016 H$mo àma§^
Bg `mOo Zm H$m H$m`mÝ© d`Z gMy r~Õ gmYmaU ~r_m H$§n{Z`m| H$s JB© Wr VWm BgH$m CÔoí` dfm©, Vmn_mZ, dm`w, Z_r
Ho$ Ûmam {H$`m OmVm h¡& nrE_E\$~rdmB© `moOZm H$m g§dY©Z Am{X go g§~§{YV à{VHy$b _m¡g_r pñW{V`m| Ho$
{ZåZmZwgma {H$`m J`m h¡… n[aUm_ñdê$n hmoZodmbr àË`m{eV µ\$gb hm{Z Ho$ H$maU
{dÎmr` hm{Z H$s g§^mdZm Ho$ {déÕ ~r_mH¥$V {H$gmZm| H$s
H$. OmopI_ A§VaU {dH$ën H$m M`Z H$aZo Ho$ {bE amÁ`m|
H${R>ZmB© H$mo H$_ H$aZm h¡& AmaS>ãë`y~rgrAmB©Eg _mZr
H$mo A{YH$ bMrbmnZ
JB© µ\$gb hm{Z`m| Ho$ {bE {H$gmZm| H$s j{Vny{V© H$aZo hoVw
µ\$gb CnOm| Ho$ {bE namojr (àmŠgr) Ho$ ê$n _| _m¡g_
i. bm^ gmPoXmar _mS>b
Ho$ n¡am_rQ>am| H$m à`moJ H$aVr h¡& g^r _mZH$ Xmdm| H$m
àg§ñH$aU Am¡a ^wJVmZ OmopI_ Ad{Y H$s g_m{á go 45
ii. H$n Am¡a H¡$n _mS>b (60:130)
{XZ Ho$ A§Xa {H$`m OmVm h¡& XmoZm| nrE_E\$~rdmB© Am¡a
iii. H$n Am¡a H¡$n _mS>b (80:110) AmaS>ãë`y~rgrAmB©Eg H$m à~§Y H¥${f _§Ìmb` Ho$ Ûmam
{H$`m Om ahm h¡&
Annual Report 2023-24 51à‘wIVmE±à‘wIVmE±à‘wIVmE±à‘wIVmE±^mJ -
II
H$m¶©©àUmbr Am¡a n[aMmbZm| H$s g‘rjm60 Annual Report 2023-24H$m¶©àUmbr Am¡a n[aMmbZm| H$s g‘rjm
II.1 ~r_m Am¡a nwZ~u_m H§$n{Z`m| H$m {d{Z`_Z ~r_m joÌ _| ZdmoÝ_ofU, à{VñnYm©, Am¡a YmaUr` d¥{Õ H$mo
àmoËgm{hV H$aZo Ho$ gmW hr, nm{bgrYmH$am| Ho$ {hVm| H$mo
{d{Z`m_H$ T>m±Mo H$s ì`mnH$ g_rjm Am¡a gabrH$aU…
àmW{_H$Vm XoZodmbo g_W©H$mar {d{Z`m_H$ n[adoe Ho$ {Z_m©U
Ho$ bú` H$mo AmJo ~‹T>mVo hþE, AmB©AmaS>rEAmB© Zo {dÎmr` df©
AmB©AmaS>rEAmB© Zo nm{bgrYmaH$m| Ho$ {hVm| H$m g§ajU gw{Z{üV
2023-24 Ho$ Xm¡amZ Xg {gÕm§V-AmYm[aV {d{Z`_m| H$m
H$aZo Ho$ gmW hr, ì`dgm` H$aZo H$s gwJ_Vm H$m g§dY©Z H$aZo
AZw_moXZ {H$`m h¡& BZ_| go AmR> g_o{H$V {d{Z`_ Wo, VWm Xmo
Am¡a AZwnmbZ Ho$ ^ma H$mo H$_ H$aZo Ho$ {bE ~r_m joÌ go
Z`o {d{Z`_ Wo& `o {d{Z`_ ~r_m joÌ Ho$ {d{Z`m_H$ T>m±Mo H$s
g§~§{YV {d{Z`m_H$ T>m±Mo H$s EH$ ì`mnH$ g_rjm àma§^ H$s h¡&
JhZ g_rjm Ho$ ~mX àñVwV {H$`o J`o h¢²&
BgHo$ n[aUm_ñdê$n, ~r_m joÌ go g§~§{YV g^r {d{Z`_m|,
`o AmR> {d{Z`_ _hËdnyU© joÌm| H$mo H$da H$aVo h¢, O¡go
n[anÌm| Am¡a {Xem{ZX}em| H$m EH$ JhZ _yë`m§H$Z Am¡a narjU, nm{bgrYmaH$m| Ho$ {hVm| H$m g§ajU, J«m_rU Am¡a gm_m{OH$
AZwnmbZm| Ho$ g§~Õ ^ma Am¡a bmJV g{hV, CZH$s g§JVVm, joÌm| Ho$ à{V Xm{`Ëd, _moQ>a AÝ` nj ~r_m, BboŠQ´>m{ZH$ ~r_m
XjVm, gabVm Am¡a AZwHy$bZerbVm Ho$ {bE {H$`m J`m h¡& ~mOma ñWmZ Omo Am_ Vm¡a na "~r_m gwJ_' Ho$ ê$n _| OmZm
_yë`m§H$Z H$m EH$ _w»` VËd {deof ê$n go {hVYmaH$m| Ho$ gmW OmVm h¡, ~r_m CËnmXm| H$s g^r lo{U`m| Ho$ {bE EH$sH¥$V
Am¡a gm_mÝ` ê$n go OZgmYmaU Ho$ gmW {dñV¥V nam_e© Wm& _mZX§S>, {dXoer nwZ~u_m emImAm| H$m n[aMmbZ, VWm ~r_m
BZ nam_em] Zo _hËdnyU© {Z{d{ï>`m± Am¡a Jhar A§VÑ©{ï>`m± Xr h¢ H§$n{Z`m| Ho$ n§OrH$aU go g§~§{YV nhby, ~r_m§{H$H$ àWmE±,
{dÎm, {Zdoe, H$_reZ g{hV à~§YZ Ho$ ì`` Ed§ H$manmoaoQ>
Omo O_rZr dmñV{dH$VmAm|, joÌ H$s Amdí`H$VmAm| Am¡a Cg_|
A{^emgZ&
Ano{jV n[adV©Zm| H$s ~ohVa g_P _| n[aUV hþB© h¢²&
{d{Z`_m| H$mo `w{º$g§JV ~ZmZo Ho$ A{V[aº$, {d{Z`m_H$ H$m`©
Bg ì`mnH$ Am¡a gh^m{JVmnyU© à{H«$`m Zo joÌ H$mo àma§^ H$aZo
[anmoQ>© àUmbr (AmaEAmaEg), Omo {d{Z`{_V g§ñWmAm| Ho$
Ho$ g_` go boH$a ~r_mH$Vm©Am| Am¡a _Ü`d{V©`m| go g§~§{YV 78
C„§KZm| Ho$ g§~§Y _| AmB©AmaS>rEAmB© Ûmam H$s JB© EH$ Ho$ÝÐrH¥$V
go A{YH$ {d{Z`_m| H$s g§»`m H$mo KQ>mH$a 28 (31 _mM©,
So>Q>m (^§S>ma) [anmo{OQ>ar h¡, ^r g{H«$` ê$n go {dMmamYrZ h¡&
2024) VH$ H$aZo H$s Amoa _mJ© àeñV {H$`m h¡& Bgr àH$ma,
`h àË`m{eV h ¡ {H$ Cº$ AmaEAmaEg nmaX{eV© m Ama¡ E{oVhm{gH$
~r_m joÌ _| AZwnmbZ H$m ^ma H$_ H$aZo Am¡a n[aMmbZJV
A{^boIm| VH$ nhþ±M H$mo CnbãY H$amEJr& Bg àUmbr Ho$
H$m`©Hw$ebVmAm| H$s d¥{Õ H$aZo Ho$ {bE 167 n[anÌ {ZañV
g§~§Y _| ~mŠg _X III.2 _| {dñVma go MMm© H$s JB© h¡&
{H$`o J`o&
ì`dgm` H$aZo H$s gwJ_Vm H$mo gwgmÜ` ~ZmZo, AZwnmbZ Ho$
BgHo$ Abmdm, 82 {dda{U`m| H$mo `w{º$`wº$ ~Zm`m J`m h¡ VWm
^ma H$mo H$_ H$aZo, Am¡a à{H«$`mAm| H$mo gab ~ZmZo Ho$ CÔoí`
AmB©AmaS>rEAmB© Ho$ nmg \$mBb H$s OmZodmbr g^r {d{Z`m_H$ Ho$ gmW, AmB©AmaS>rEAmB© Zo gmYmaU ~r_m CËnmXm| H$mo g^r
{dda{U`m| Ho$ {bE EH$ g_J« g§X^© CnbãY H$am`m J`m h¡& àM{bV àewëH$m| go g§~§{YV gm_mÝ` {d{Z`_m|, {Z~§YZmo Am¡a
eVm] VWm AÝ` {d{e{ï>`m| H$s A{YgyMZm H$mo {ZañV (S>r-
Cº$ ge§ m{oYV T>mM± m A{YH$ {gÕmV§ AmYm[aV h ¡VWm ~r_mH$VmA© m|
Zmo{Q>\$mB©) {H$`m h¡& BZ àewëH$m| H$s A{YgyMZm H$m {ZagZ
H$mo Amdí`H$ gwa{jV Koam| (JmS©>aobm|) Ho$ gmW n`m©á bMrbmnZ
EH$ _hËdnyU© _rb-nËWa h¡ {OgHo$ ~mao _| ~mŠg _X III.1
_wh¡`m H$aVm h¡ VWm BgHo$ gmW hr, AZwnmbZ H$s bmJV H$mo
_| {dñVma go MMm© H$s JB© h¡&
H$_ H$aVm h¡& {Z`{_V / Amd{YH$ g_rjm H$mo gw{Z{üV H$aZo
VWm {d{Z`m_H$ n[aÑí` _| J{VdmX (S>mBZ{_Á_) H$mo em{_b AmB©AmaS>rEAmB© ny±Or Ho$ Cn`moJ Am¡a OmopI_ à~§Y H$mo Bï>V_
H$aZo Ho$ {bE VrZ df© H$m EH$ g_mnZ I§S> (gZgoQ> ŠbmµO) ~ZmVo hþE, ~r_mH$Vm©Am| H$s ghm`Vm CZHo$ OmopI_m| Ho$ {bE
Omo‹S> {X`m J`m h¡& g§JV ê$n _| n`m©á ny±Or Ho$ AZwajU hoVw H$aZo Ho$ {bE ^maVr`
Annual Report 2023-24 61OmopI_-AmYm[aV ny±Or (B§S>-Ama~rgr) H$m {dH$mg H$a ahm OrAmB©gr Amµ\$ B§{S>`m) Am¡a AmB©AmaS>rEAmB© Ho$ nmg n§OrH¥$V
h¡& dV©_mZ H$maH$-AmYm[aV _mS>b go Bg g§H«$_U Ho$ ^mJ Ho$ {dXoer nwZ~u_m emImAm| H$mo ^maV _| nwZ~u_m godmE± XoZo H$s
ê$n _|, AmB©AmaS>rEAmB© Zo EH$ "VH$ZrH$s _mJ©Xe©Z' XñVmdoO AZw_{V h¡& A{V[aº$ ê$n go, AmB©E\$EggrE ~r_m H$m`m©b`m|
Ho$ gmW àW_ _mÌmË_H$ à^md AÜ``Z (Š`yAmB©Eg1), (AmBA© mBA© mEo g) Ama¡ gr_mnma nZw ~u_mH$VmA© m | (gr~rAmaEg)
~r_mH$Vm© H$s ny±Or Am¡a emoYZ-j_Vm na CgHo$ à^md H$m H$mo ^r nwZ~u_m godmE± XoZo Ho$ {bE AZw_{V Xr JB© h¡&
AmH$bZ H$aZo Ho$ {bE àma§^ {H$`m h¡& ~r_mH$Vm©Am| H$mo
E\$Ama~rEg Am¡a AmB©AmB©AmoEg g{hV ^maVr` ~r_mH$Vm©Am|
A{Zdm`©V… Cº$ T>m±Mo H$mo n[aîH¥$V H$aZo Ho$ {bE Am`mo{OV
Ho$ {bE, nwZ~u_m ì`dgm` H$s d¥{Õ H$aZo Am¡a {d{Z`m_H$
AZwdVu AÜ``Zm| Ho$ gmW EH$ {ZYm©[aV g_`-gr_m Ho$ A§Xa
Cn~§Ym| H$mo gab Am¡a H$maJa ~ZmZo Ho$ {bE AmB©AmaS>rEAmB©
Š`yAmB©Eg1 Ho$ n[aUm_ àñVwV H$aZo Mm{hE²&
Z o 23 AJñV 2023 H$m o AmBA© maS>rEAmB © (nZw ~u_m) (ge§ mYo Z)
EH$ {gÕm§V-AmYm[aV {d{Z`m_H$ T>m±Mo H$m gwÑ‹T>rH$aU H$aZo {d{Z`_, 2023 A{Ygy{MV {H$`o h¢²& `o {d{Z`m_H$ n[adV©Z
Ho$ {bE, AmB©AmaS>rEAmB© ^maVr` ~r_m CÚmoJ Ho$ {bE EH$ ^maV H$m o EH$ nZw ~u_m H$oÝÐ (h~) ~ZmZ o H$o {bE EH$ g_WH© $mar
OmopI_-AmYm[aV n`©dojr (Ama~rEg) T>m±Mo H$m ^r {dH$mg {d{YH$ T>m±Mo H$mo bmJy H$aZo Ho$ CÔoí` Ho$ AZwê$n h¢²&
Ama¡ H$m`mÝ© d`Z H$a ahm h&¡ AmBA© maS>rEAmB © H$m bú` Cn^mºo $m
Cº$ g§emoYZ {d{Z`_m| Zo AmB©AmaS>rEAmB© (nwZ~u_m) {d{Z`_,
g§ajU na \$moH$g go `wº$ gwÑ‹T> n`©dojU H$m g§dY©Z H$aZm h¡&
2018, AmB©AmaS>rEAmB© (bm`S²g H$mo N>mo‹S>H$a AÝ` {dXoer
`h nhb {d{Z`{_V g§ñWmAm| H$s AmZwnm{VH$Vm, _hËdnyU©Vm,
nwZ~u_mH$Vm©Am| Ho$ emIm H$m`m©b`m| H$m n§OrH$aU Am¡a
Am¡a H$m`©H$bmnm| Ho$ EH$ ì`mnH$ {dûcofU na ~b XoVo hþE
n[aMmbZ) {d{Z`_, 2015, VWm AmB©AmaS>rEAmB© (bm`S²g
d¡{œH$ gdm}Îm_ àWmAm| H$s {Xem _| C„oIZr` n[adV©Z H$mo
B§{S>`m) {d{Z`_, 2016 _| n[adV©Z {H$`o h¢²& Cº$ g§emoYZ
{Zê${nV H$aVr h¡&
{d{Z`_m| Ho$ Ûmam bmJy {H$`o J`o _w»` n[adV©Zm| _| em{_b h¢-
g_rjmYrZ df© Ho$ Xm¡amZ A{Ygy{MV {d{Z`_m| H$m g§jon
• ^maVr` nZw ~u_mH$VmA© m | (E\$Ama~rEg g{hV) g o An{ojV
{ZåZmZwgma h¡…
h¡ {H$ do ^maV Ho$ A§Xa OmopI_-A§H$Z {H$`o J`o ^maVr`
II.1.1 AmB©AmaS>rEAmB© (nwZ~u_m) (g§emoYZ) {d{Z`_, 2023 nwZ~u_m ì`dgm` Ho$ 50 à{VeV H$m Ý`yZV_ à{VYmaU
~Zm`o aI| VWm AmB©AmB©Amo H$mo 20 à{VeV VH$ {H$gr
II.1.1.1 ~r_mH$Vm©Am| Ho$ {bE AO©Z Am¡a VwbZ-nÌ H$s ^r dmngr (aoQ´>mogoeZ) H$s JUZm Bg Ý`yZV_ à{VYmaU
ApñWaVm H$m à~§Y A{YH$ à^mdr T>§J go H$aZo Ho$ {bE H$s Amdí`H$Vm Ho$ {bE H$s OmVr h¡&
nwZ~u_m EH$ _hËdnyU© gmYZ h¡& nwZ~u_m _| bJo ahZo Ho$ Ûmam
~r_mH$Vm© AnZo EŠgnmoµOa H$mo ~‹S>o OmopI_m|, AmnmVr KQ>ZmAm| • EH$ Z`m Am¡a gabrH¥$V dar`Vm-H«$_ bmJy {H$`m h¡,
g^r nwZ~u_m ñWmZZm| Ho$ {bE {OgH$m AZwgaU H$aZo H$s
VH$ gr{_V H$a gH$Vo h¢ VWm AnZr {dÎmr` pñWaVm _| d¥{Õ
Anojm AÜ`n©H$ ~r_mH$Vm©Am| go h¡& nyd© _| N>h ñVam| VH$
H$a gH$Vo h¢²&
ì`má Bg Anojm H$mo A~ {ZåZmZwgma Mma ñVam| VH$
^maV _| nwZ~u_m H$m n[aÑí` H$m C„oIZr` ê$n _| {dH$mg gr{_V {H$`m J`m h¡…
hþAm h¡, {deof ê$n go ~r_m {d{Y (g§emoYZ) A{Y{Z`_,
2015 Ho$ A{Y{Z`_Z go boH$a, {OgZo ^maVr` ~mOma _| H$) lUo r 1: ^maVr` nZw ~u_mH$Vm © (dV_© mZ _,| H$odb OrAmBg© r
d¡{œH$ nwZ~u_mH$Vm©Am| H$mo AnZr emImAm| Ho$ _mÜ`_ go àdoe AmaB©);
H$mo gwgmÜ` ~Zm {X`m h¡&
I) loUr 2: AmB©AmB©AmoEg (Omo Xoer àewëH$ joÌ Ho$ A§Xa
dV©_mZ nwZ~u_m {d{Z`m_H$ T>m±Mo Ho$ A§VJ©V, ^maVr` ^maVr` ~r_mH$Vm©Am| go CËnÞ, à{VYm[aV àr{_`_m| Ho$
nwZ~u_mH$Vm© (dV©_mZ _| Ho$db ^maVr` gmYmaU ~r_m n[afX 100 à{VeV H$m {Zdoe H$aVo h¢) Am¡a E\$Ama~rEg;
62 Annual Report 2023-24J) loUr 3: AÝ` AmB©AmB©AmoEg I§S>r` ñVa Ho$ ~Om` H§$nZr ñVa na à~§YZ ì``m| (B©AmoE_)
H$s gr_mE± bmJy H$aZo Ho$ Ûmam n[aMmbZJV bMrbonZ Am¡a
K) loUr 4: AÝ` ^maVr` ~r_mH$Vm© (Ho$db ~r_m I§S> _|
{d{Z`m_H$ n`©dojU _| g§VwbZ aIZo H$s Anojm H$aVo h¢²& `h
à{V-OmopI_ {dH$ënr ñWmZZm| Ho$ g§~§Y _| {OZHo$ {bE
nhb {gÕm§V-AmYm[aV {d{Z`_m| Am¡a dV©_mZ {d{Z`m_H$ T>m±Mo
~r_mH$Vm© H$mo ì`dgm` H$aZo Ho$ {bE n§OrH¥$V {H$`m J`m
H$m o `{wº$`ºw $ ~ZmZ o H$s {Xem _ | AV§ aU H$aZ o H$o ~h¥ Îma {d{Z`m_H$
h¡) Am¡a gr~rAmaEg
gwYma H$m ^mJ h¡&
• AZwnmbZ Am¡a [anmo{Qª>J H$s AnojmE± gab H$s JB© h¢²&
` o {d{Z`_ {nN>b o VrZ {d{Z`_m | AWmV© ² ^maVr` ~r_m {d{Z`m_H$
Cº$ ge§ mYo Z {d{Z`_m | Z o {d{Z`m_H$ \$mBqbJm | Ed § ^maVr`
Ama¡ {dH$mg àm{YH$aU (gmYmaU AWdm ñdmñÏ` ~r_m ì`dgm`
~r_mH$Vm©Am| Ûmam AZwa{jV {H$`o OmZo hoVw Ano{jV
H$aZdo mb o~r_mH$VmA© m |H$o à~Y§ Z ì``) {d{Z`_, 2023, ^maVr`
A{^boIm| H$s nÕ{V/\$m_}Q> Ho$ Vm¡a na Hw$N> Ny>Q>| bmJy H$s
~r_m {d{Z`m_H$ Am¡a {dH$mg àm{YH$aU (OrdZ ~r_m ì`dgm`
h¢²&
H$aZodmbo ~r_mH$Vm©Am| Ho$ à~§YZ ì``) {d{Z`_, 2023 VWm
^maVr` ~r_m {d{Z`m_H$ Am¡a {dH$mg àm{YH$aU (H$_reZ
• Z`m E\$Ama~r ImobZo Ho$ {bE Ý`yZV_ ny±OrJV Anojm
H$m ^wJVmZ) {d{Z`_, 2023 H$m g§`moOZ H$aVo h¢²&
Bg Cn~§Y Ho$ gmW é. 100 H$amo‹S> go KQ>mH$a é. 50
H$amS‹o > H$s JB © h ¡ {H$ {H$gr ^r g_ZXw {oeV nO±y r H$o Am{YŠ`
II.1.3 AmB©AmaS>rEAmB© (~r_m CËnmX) {d{Z`_, 2024
H$m àË`mdV©Z {H$`m OmEJm&
II.1.3.1 AmB©AmaS>rEAmB© (~r_m CËnmX) {d{Z`_, 2024
Cº$ g§emoYZ {d{Z`_ EH$ A{YH$ AZwHy$b ì`mdgm{`H$ n[adoe
~mOma H$s J{Verb _m±Jm| Ho$ à{V CÚmoJ H$s AZw{H«$`merbVm
H$mo àmoËgm{hV H$aVo hþE VWm ^maV H$mo EH$ AJ«Ur d¡{œH$
H$mo gwgmÜ` ~ZmZo VWm Bg àH$ma ì`dgm` H$aZo H$s gwJ_Vm _|
nwZ~u_m Ho$ÝÐ (h~) Ho$ ê$n _| aIVo hþE, ^maV Ho$ nwZ~u_m
d¥{Õ H$aZo Am¡a ~r_m ì`mnZ H$mo ~‹T>mZo Ho$ CÔoí` Ho$ gmW nyd©
n[aÑí` _| EH$ _hËdnyU© n[adV©Z H$mo Xem©Vo h¢²&
Ho$ N>h {d{Z`_m| H$m {db`Z H$aVo hþE EH$ EH$sH¥$V T>m±Mm
CnbãY H$amVo h¢²& Bg {d{Z`_ Ho$ ~mao _| EH$ {dñV¥V AmboI
II.1.2 AmB©AmaS>rEAmB© (H$_reZ g{hV, ~r_mH$Vm©Am|
~mŠg _X II.1 _| àñVwV h¡&
Ho$ à~§YZ ì``) {d{Z`_, 2024
II.1.2.1 AmB©AmaS>rEAmB© (H$_reZ g{hV, ~r_mH$Vm©Am| Ho$ II.1.4 AmB©AmaS>rEAmB© (n§OrH$aU, ny±Or {dÝ`mg, eo`am|
à~§YZ ì``) {d{Z`_, 2024 H$m g§emoYZ ~r_mH$Vm©Am| H$mo H$m A§VaU Am¡a ~r_mH$Vm©Am| H$m g_m_obZ) {d{Z`_,
H$_reZm | g{hV AnZ o ì``m | H$o à~Y§ Z _ | A{YH$m{YH$ bMrbmnZ 2024
XoZo Ho$ {bE {H$`m J`m& BgH$m CÔoí` g§gmYZm| Ho$ Cn`moJ H$mo
II.1.4.1 AmB©AmaS>rEAmB© Zo AmB©AmaS>rEAmB© (n§OrH$aU,
Bï>V_ ~ZmZo, nm{bgrYmaH$m| Ho$ {bE bm^m| _| d¥{Õ H$aZo, VWm
nO±y r {dÝ`mg, e`o am | H$m AV§ aU Ama¡ ~r_mH$VmA© m | H$m g_m_bo Z)
~r_m ì`mnZ _| gwYma bmZo, `o g^r AmB©AmaS>rEAmB© Ûmam
{d{Z`_, 2024 A{Ygy{MV {H$`o h¢ {OÝhm|Zo AmB©AmaS>rEAmB©
{ZYm©[aV gr_mAm| Ho$ A§Xa H$aZo Ho$ {bE CZH$s ghm`Vm H$aZm
(^maVr` ~r_m H§$n{Z`m| H$m n§OrH$aU) {d{Z`_, 2022 H$m
h¡&
A{YH«$_U {H$`m& Cº$ {d{Z`_m| Ho$ ~‹S>o n[adV©Z {ZåZmZwgma
h¢:
`o g§emoYZ OrdZ ~r_m Ho$ {bE {ZJamZr à{H«$`m H$m gabrH$aU
H$aVo hþE, gmYmaU Am¡a ñdmñÏ` ~r_m joÌm| Ho$ {bE {nN>bo
Annual Report 2023-24 63H$. AdéÕVm (bmH$-BZ) Ad{Y… i. go~r Ho$ gmW g§nH©$ H$aZo go H$_ go H$_ 15 {XZ nhbo
~r_mH$Vm© AmB©AmaS>rEAmB© H$mo gy{MV H$aoJm&
i. dV_© mZ {d{Z`_ H$odb gMy r~ÕVm H$m o ggw mÜ` ~ZmZo
Ho$ {bE Ny>Q> H$s AZw_{V XoVm h¡& ~r_mH$Vm© AWdm
ii. ~r_mH$Vm© Ymam 6E Ho$ AYrZ eo`am| Ho$ A§VaU Ho$ {bE
eo`aYmaH$ H$s {dÎmr` g§H$Q> H$s pñW{V _| Ny>Q> XoZo
nyd©-AZw_moXZ H$s Anojm H$aoJm&
Ho$ {bE g_W©H$mar Cn~§Y ~Zm`m J`m h¡&
M. àg§ñH$aU Am¡a dm{f©H$ ewëH$ _| g§emoYZ…
ii. {ZåZ{bpIV _m_bm| _| AdéÕVm Zht h¡…
1. ~r_mH$Vm© Ho$ H$_©Mm[a`m| AWdm {ZXoeH$m| Ho$ i. ~r_mH$Vm©Am| Ûmam AXm {H$`o OmZodmbo dm{f©H$ ewëH$ H$s
{hV Ho$ {bE {H$gr ^r `moOZm Ho$ AZwgaU _| A{YH$V_ am{e é. 10 H$amo‹S> go ~‹T>mH$a é. 15 H$amo‹S>
~r_mH$Vm© Ho$ H$_©Mm[a`m| AWdm {ZXoeH$m| H$mo
H$s JB© h¡&
eo`a Am~§{Q>V {H$`o OmVo h¡±&
ii. g_m_obZ Ho$ {bE AmdoXZ ewëH$ àË`oH$ ~r_mH$Vm© Ho$
2. {Zdeo H$ ~r_mH$Vm © H$s B{©¹$Q>r nO±y r H$o 1 à{VeV
Ûmam AbJ-AbJ AXm {H$`m OmEJm&
go AZ{YH$ Ym[aV H$aVo h¢&
I. gwajm àr{_`_… n§OrH$aU Ho$ ñVa na (ì`dgm` Ho$ àma§^ iii. eo`am| Ho$ A§VaU Ho$ {bE AmdoXZ ewëH$ é. 50 bmI
VH$) (`{X àñVm{dV A§VaU 50 à{VeV B©{¹$Q>r go A{YH$ h¡)
AWdm é. 5 bmI (AÝ` _m_bm| _|) h¡&
i. AmdoXH$ AWdm Egnrdr ({deof à`moOZ _mÜ`_) Ho$
eo`a Ho$db A§{H$V _yë` na hr Omar {H$`o OmZo Mm{hE²&
II.1.5 AmB©AmaS>rEAmB© (~r_mH$Vm©Am| Ho$ {bE H$manmoaoQ>
ii. AmdoXH$ Ho$ eo`aYmaH$m| AWdm Egnrdr Ûmam {Z{Y`m| H$m A{^emgZ) {d{Z`_, 2024
AmYmZ (BZâ`yµOZ) B©{¹$Q>r {hV Ho$ AZwnmV _| hmoZm
Mm{hE²&
II.1.5.1 AmB©AmaS>rEAmB© (~r_mH$Vm©Am| Ho$ {bE H$manmoaoQ>
A{^emgZ) {d{Z`_, 2024 ~r_mH$Vm©Am| Ho$ {bE EH$ _O~yV
J. {ZXoeH$ H$m Zm_m§H$Z… H$moB© eo`aYmaH$ {H$gr ~r_mH$Vm©
A{^emgZ T>m±Mo H$s ñWmnZm H$aZo VWm ~moS©> Am¡a à~§YH$-dJ©
Ho$ ~moS©> _| {H$gr {ZXoeH$ H$m Zm_m§H$Z Zht H$aoJm `{X
H$s ^y{_H$mAm| Am¡a Xm{`Ëdm| H$mo ñnï> ê$n go n[a^m{fV H$aZo
CgZo ~r_m ì`dgm` H$s Cgr loUr _| bJo hþE {H$gr AÝ`
Ho$ {bE àma§^ {H$`o J`o& nhbr ~ma, dV©_mZ A{^emgZ
~r_mH$Vm© Ho$ ~moS©> _| {ZXoeH$ H$m Zm_m§H$Z nhbo go {H$`m
hmo& {Xem{ZX}em| H$mo {d{Z`_m| Ho$ ê$n _| Am¡nMm[aH$ ~Zm`m J`m h¡&
`o {d{Z`_ g^r {hVYmaH$m|, {deof ê$n go nm{bgrYmaH$m| H$s
K. eo`am| Ho$ A§VaU Ho$ {bE AZw_moXZ… EH$ {dÎmr` df© _|
àË`memAm| H$mo nyam H$aZo na \$moH$g Ho$ gmW, gwÑ‹T> Am¡a
àË`oH$ 5 à{VeV Ho$ A§VaU (A§V[aVr Ho$ {bE) Am¡a
àË`oH$ 1à{VeV Ho$ A§VaU (A§VaUH$Vm© Ho$ {bE) Ho$ {ddoH$nyU© A{^emgZ nÕ{V`m| H$mo AnZmZo Ho$ _hËd na {deof
nyd©-AZw_moXZ H$s Anojm H$aZo Ho$ g§~§Y _| ñnï>Vm Xr JB© ê$n go ~b XoVo h¢²& nmaX{e©Vm, CÎmaXm{`Ëd, Am¡a Z¡{VH$ AmMaU
h¡&
na ~b XoVo hþE CZH$m bú` {hVYmaH$m| Ho$ ~rM {dœmg Am¡a
^amogo H$mo àmoËgm{hV H$aZm h¡&
L. eo`a ~mOmam| _| eo`am| H$s gyMr~ÕVm Ho$ {bE nyd©-
AZw_moXZ H$s Anojm {ZåZ{bpIV g{hV Hw$N> eVm] H$m
AZwnmbZ H$aZo Ho$ AYrZ g_má H$s JB© h¡…
64 Annual Report 2023-24II.1.6 AmB©AmaS>rEAmB© ({dXoer nwZ~u_mH$Vm©Am| H$s • bm`Sg² H$s gdo m H$§nZr H$o {bE nO§ rH$aU H$s {d{Y_mÝ`Vm
emImAm| Am¡a bm`S²g B§{S>`m H$m n§OrH$aU Am¡a Ad{Y hQ>mB© JB© h¡;
n[aMmbZ) {d{Z`_, 2024:
• E\$Ama~rEg Ho$ g_m_obZ, A§VaU AWdm nwZ…g§aMZm
II.1.6.1 ~r_m ì`dgm` H$aZo _| gwJ_Vm H$mo ~‹T>mdm XoZo Ho$ Ho$ g§~§Y _| Cn~§Y àma§^ {H$`o J`o h¢;
{bE VWm {d{^Þ {d{Z`_m| H$mo gab Am¡a H$maJa ~ZmZo Ho$
• E\$Ama~rEg Ûmam A{V[aº$ H$m`m©b` ImobZo VWm ^maV
CÔoí` Ho$ gmW àm{YH$aU Zo AmB©AmaS>rEAmB© ({dXoer
n[aMmbZ emImAm| bm^m|/A{Yeof Ho$ A§VaU Ho$ {bE
nwZ~u_mH$Vm©Am| H$s emImAm| Am¡a bm`S²g B§{S>`m H$m n§OrH$aU
àm{YH$aU H$m nyd©-AZw_moXZ Hw$N> eVm] Ho$ AYrZ g_má
Ama¡ n[aMmbZ) {d{Z`_, 2024, 20 _mM © 2024 H$m o A{Yg{yMV
{H$`m J`m h¡;
{H$`o& Cº$ Z`o {d{Z`_ Xmo nyd©dVu {d{Z`_m|, AWm©V²
AmB©AmaS>rEAmB© (bm`S²g H$mo N>mo‹S>H$a AÝ` {dXoer • E\$Ama~rEg Ho$ grB©Amo Am¡a Ho$E_nrEg H$s {Z`w{º$
nwZ~u_mH$Vm©Am| H$s emImAm| H$m n§OrH$aU Am¡a n[aMmbZ) Am¡a nm[al{_H$ VWm E\$Ama~rEg Ûmam H$m`©H$bmnm| Ho$
{d{Z`_, 2015 Am¡a AmB©AmaS>rEAmB© (bm`S²g B§{S>`m) ~møòmoVrH$aU (AmCQ>gmo{gªJ) go g§~§{YV Cn~§Y
{d{Z`_, 2016 H$m g§`moOZ H$aVo h¢²& Amemo{YV {H$`o J`o h¢;
Cº$ Z`o {d{Z`_ XmoZm| bm`S²g Am¡a bm`S²g H$mo N>mo‹S>H$a AÝ` g^r \$m_}Q> Am¡a J¡a-_yb (ZmZ-gãñQ>¡pÝQ>d) Cn~§Y _mñQ>a
Ho$ {bE bmJy gm_mÝ` Cn~§Ym| H$m {d{Z`_m| Ho$ EH$ EH$b goQ> n[anÌ _| àñVwV {H$`o J`o h¢²&
Ho$ ê$n _| EH$sH$aU h¢²& `o {d{Z`_ eVm] _| A{YH$ ñnï>Vm bmZo
II.1.7 AmB©AmaS>rEAmB© (~r_m gwJ_ ~r_m BboŠQ´>m{ZH$
Ho$ {bE Hw$N> n[aMmbZ Am¡a A{^gmgZ go g§~§{YV Cn~§Y ^r
~mOma ñWmZ) {d{Z`_, 2024
àma^§ H$aV o h&²¢ Cº$ Z` o {d{Z`_m | H$s _»w ` {defo VmE ± {ZåZmZgw ma
h¢ :
II.1.7.1 BZ {d{Z`_m| H$m CÔoí` ~r_m H$m gmd©OZrH$aU Am¡a
bmoH$V§ÌrH$aU H$aZo Ed§ nm{bgrYmaH$m| Ho$ {hVm| H$m g§ajU
• "ì`dgm` H$s ì`dñWm' E\$Ama~rEg Ho$ n§OrH$aU Ho$
H$aZo H$s {Xem _| ~r_m gwJ_ Zm_H$ EH$ {S>{OQ>b gmd©O{ZH$
{bE ì`dgm` H$s loUr H$mo {d{Z{X©ï> H$aZo Ho$ {bE em{_b
~w{Z`mXr g§aMZm ñWm{nV H$aZm h¡& `h ~mOma-ñWmZ J«mhH$m|,
H$s JB©;
~r_mH$Vm©Am|, _Ü`d{V©`m|, Am¡a EO|Q>m| g{hV g^r ~r_m
• E\$Ama~rEg hoVw _m±J-nÌ Am¡a Ama1 AZw_moXZ Ho$ {bE {hVYmaH$m| Ho$ {bE EH$ g_J« g_mYmZ Ho$ ê$n _| VWm BgHo$
3 _hrZo H$s {d{Y_mÝ`Vm Ad{Y àma§^ H$s JB© h¡; Ûmam g_yMr ~r_m _yë` e¥§Ibm _| H$m`©Hw$ebVm, nmaX{e©Vm
Am¡a gh`moJ H$mo ~‹T>mZo _| H$m_ Am`oJm&
• "godm H§$nZr' H$s n[a^mfm Bgo A{YH$ bMrbm ~ZmZo
VWm bm`S²g B§{S>`m ßboQ>\$m_© Ho$ A§VJ©V A{YH$ g§ñWmAm| Cº$ B©-~mOma ñWmZ Ho$ g§~§Y _| àË`m{eV h¡ {H$ `h ~r_m
H$mo g_W© ~ZmZo Ho$ {bE Amemo{YV H$s JB© h¡; H$daoO H$s nhþ±M H$mo ~‹T>mEJm, g^r {hVYmaH$m| H$mo {S>{OQ>b
Vm¡a na geº$ ~Zm`oJm VWm g§nyU© g_mYmZ gw{Z{üV H$aoJm&
Annual Report 2023-24 65~mŠg II.1
AmB©AmaS>rEAmB© (~r_m CËnmX) {d{Z`_, 2024 ì`mnH$ CËnmX g_mYmZm| Ho$ {bE g_W©H$maH$
CËàoaH$ {d{Z`m_H$ n[adoe Ho$ {bE {d{Z`m_H$ gwYmam| H$s e¥§Ibm Ho$ AZwH«$_ _|, Omo nm{bgrYmaH$m| Ho$ {hVm| H$m g§ajU H$aVm h¡,
~r_mH¥$V OZVm H$mo {Z~m©Y godmE± CnbãY H$amVm h¡ VWm ~r_m CÚmoJ _| ZdmoÝ_ofU, à{V`mo{JVm Am¡a YmaUr` d¥{Õ H$mo àmoËgm{hV
H$aVm h¡, AmB©AmaS>rEAmB© Zo OrdZ, ñdmñÏ` Am¡a gmYmaU ~r_m ì`dgm` Ho$ {bE bmJy EH$ EH$b {gÕm§V AmYm[aV T>m±Mo _|
{ZåZ{bpIV N>h {d{Z`_m| H$m {db`Z H$aVo hþE AmB©AmaS>rEAmB© (~r_m CËnmX) {d{Z`_, 2024 Omar {H$`o h¢ :
• AmB©AmaS>rEAmB© (gyú_ ~r_m) {d{Z`_, 2015;
• AmB©AmaS>rEAmB© (dm{f©{H$`m| Am¡a AÝ` bm^m| Ho$ {bE Ý`yZV_ gr_mE±) {d{Z`_, 2015;
• AmB©AmaS>rEAmB© (Aä`n©U Am¡a àXÎm _yë`m| H$m A{YJ«hU) {d{Z`_, 2015;
• AmB©AmaS>rEAmB© (ñdmñÏ` ~r_m) {d{Z`_, 2016;
• AmB©AmaS>rEAmB© (`y{ZQ> gh~Õ ~r_m CËnmX) {d{Z`_, 2019;
• AmB©AmaS>rEAmB© (Ag§~Õ ~r_m CËnmX) {d{Z`_, 2019;
Cº$ ~r_m CËnmX {d{Z`_m| H$m CÔoí` C^aVr ~mOma Amdí`H$VmAm| Ho$ à{V ~r_mH$Vm©Am| H$mo VËnaVmnyd©H$ à{V{H«$`m XoZo _| g_W©
~ZmZm, ì`dgm` H$aZo H$s gwJ_Vm _| d¥{Õ H$aZm, VWm ~r_m ì`mnZ H$mo ~‹T>mdm XoZo Ho$ {bE AZwnmbZ ^ma H$mo H$_ H$aZm h¡& BZ
{d{Z`_m| H$m bú` CËnmX A{^H$ënZ Am¡a H$s_V-{ZYm©aU _| loð> A{^emgZ H$mo ~‹T>mdm XoZm VWm nm{bgrYmaH$m| Ho$ {hVm| H$m
g§ajU gw{Z{üV H$aZm Ed§ BgHo$ Ûmam EH$ à{VñnYu ~mOma ñWmZ H$mo {dH${gV H$aZm h¡& A{V[aº$ ê$n go, `o {d{Z`_ gw{Z{üV
H$aVo h¢ {H$ ~r_mH$Vm© à^mdr {ZJamZr Am¡a g_w{MV gmdYmZr Ho$ {bE gwÑ‹T> à~§Y nÕ{V`m| H$mo AnZmVo h¢²&
OrdZ ~r_m CËnmXm| H$s _w»` {deofVmE± :
• nm{bgrYmaH$m| Ho$ {hVm| Ho$ g§ajU Ho$ CÔoí` Ho$ gmW A{YH$m§eV… {gÕm§V AmYm[aV&
• OmopI_-A§H$Z, {dkmnZ, CËnmX A{^H$ënZ Am¡a H$s_V-{ZYm©aU H$mo gpå_{bV H$aVo hþE A{^emgZ T>m±Mo H$mo _O~yV
H$aZm&
• àH$Q>rH$aUm| Ho$ gmW Jma§Q>rH¥$V Aä`n©U _yë` Am¡a {deof Aä`n©U _yë` H$mo {Z`§{ÌV H$aZodmbo {gÕm§Vm| H$mo _O~yV H$aZm&
• g_mO Ho$ {d{^Þ I§S>m|/ñVam| Ho$ {bE CZH$s J{Verb Amdí`H$VmAm| Ho$ AZwgma ZdmoÝ_of ~r_m CËnmXm| Ho$ {dH$mg Ho$ {bE
àmoËgmhZ&
• n[adVu dm{f©H$s ^wJVmZ H$m àma§^ {OgHo$ Ûmam dm{f©H$s ^wJVmZ nm{bgrYmaH$m|/J«mhH$m| H$mo Cn`wº$ àH$Q>rH$aU Am¡a bm^
{ZXe©Zm| g{hV gmd©O{ZH$ Vm¡a na CnbãY ~|M_mH©$ Ho$ gmW {^Þ hmo gH$Vo h¢²&
• `y{ZQ> gh~Õ ßboQ>\$m_© Ho$ A§VJ©V "gyMH$m§H$-`wº$ g§~Õ CËnmXm|' H$m àma§^&
• "J¡a-{Z`moº$m-H$_©Mmar g_yhm|' Ho$ {bE "g_yh {Z{Y AmYm[aV CËnmXm|' H$m gabrH$aÊ&ñdmñÏ` ~r_m CËnmXm| H$s _w»` {deofVmE± :
• ~r_mH$Vm© gw{Z{üV H$a|Jo {H$ do g^r Am`w g_yhm| H$s Amdí`H$VmE± nyar H$aZo Ho$ {bE ñdmñÏ` ~r_m CËnmX àñVm{dV H$a|Jo
VWm do g^r àH$ma H$s dV©_mZ {M{H$Ëgm pñW{V`m| go `wº$ ì`{º$`m| Ho$ {bE H$daoO XoZo H$m à`mg H$a|Jo&
• nhbo go Mb ahr ~r_m[a`m| (nrB©S>r) Ho$ g§~§Y _| : àH$Q>rH¥$V nrB©S>r Ho$ {bE A{YH$V_ àVrjm Ad{Y dV©_mZ 48 _hrZo
go KQ>mH$a 36 _hrZo H$s JB© h¡, AàH$Q>rH¥$V nrB©S>r Ho$ {bE AZw_V A{YH$V_ àVrjm Ad{Y dV©_mZ 96 _hrZo go KQ>mH$a
60 _hrZo H$s JB© h¡ VWm nrB©S>r Ho$ ê$n _| Ý`yZrH¥$V {H$gr ^r pñW{V, ~r_mar, j{V `m amoJ Ho$ loUrH$aU Ho$ {bE Ad{Y
nm{bgr Ho$ àma§^ go 48 _hrZo go KQ>mH$a nm{bgr Ho$ àma§^ go 36 _hrZo H$a Xr JB© h¡&
• {d{Z{X©ï> ~r_m[a`m|/{M{H$Ëgm Ho$ {bE AZw_V A{YH$V_ àVrjm Ad{Y dV©_mZ 48 _hrZo go KQ>mH$a 36 _hrZo H$s JB© h¡&
`h {d{eï> àVrjm Ad{Y {H$gr XþK©Q>Zm Ho$ H$maU {H$`o J`o Xmdm| Ho$ {bE bmJy Zht hmoJr&
• ~r_mH$Vm©Am| Ho$ nmg Am`wf {M{H$Ëgm H$mo AÝ` {M{H$ËgmAm| Ho$ g_mZ aIZo VWm nm{bgrYmaH$m| H$mo EH$ {dH$ën CnbãY
H$amZo Ho$ {bE ~moS©> Ûmam AZw_mo{XV Zr{V hmoJr&
• ~r_mH¥$V ì`{º$ Ho$ Ûmam à_m{UV YmoImY‹S>r, Z¡{VH$ n[ag§H$Q> `m JbV~`mZr Ho$ H$maUm| H$mo N>mo‹S>H$a ñdmñÏ` ~r_m nm{bgr
ZdrH$aU`mo½` hmoJr, ~eV} {H$ nm{bgr dmng Zht br JB© hmo VWm AÀN>o Xmdm AZw^d Ho$ AmYma na Ny>Q>| XoZo Ho$ {bE {d{eï>
ê$n go ~r_mH$Vm©Am| H$mo AZw_{V Xr JB© hmo&
• gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm© A~ EH$ df© go H$_ Am¡a 3 df© go A{YH$ Ad{Y Ho$ {bE d¡`{º$H$ ñdmñÏ` ~r_m CËnmX
(bm^ Am¡a j{Vny{V© CËnmX) àñVm{dV H$a gH$Vo h¢²& F$U g§~Õ CËnmX 5 df© H$s Ad{Y Ho$ {bE àñVm{dV {H$`o Om gH$Vo
h¢²& OrdZ ~r_mH$Vm© A~ nm±M df© go H$_ Ad{Y Ho$ {bE bm^ AmYm[aV d¡`{º$H$ ñdmñÏ` ~r_m CËnmX àñVm{dV H$a gH$Vo
h¢²&
• AZwJ«h Ad{Y Ho$ Xm¡amZ H$daoO {X`m Om gH$Vm h¡, `{X àr{_`_ H$m ^wJVmZ {H$ñVm| _| {H$`m OmVm h¡&
• àr{_`_ nm{bgr Ad{Y Ho$ {bE An[ad{V©V ahoJm& `h {d{Z{X©ï> {H$`m OmVm h¡ {H$ ~r_mH$Vm© `h gw{Z{üV H$a|Jo {H$
àr{_`_ Xa| C{MV hm|, Z {H$ AË`{YH$, An`m©á, Am¡a AZw{MV ê$n go ^oX^mdnyU©, VWm YZam{e Ho$ {bE _yë` XoZodmbr
hm|²& ~r_mH$Vm©Am| H$mo CËnmX AZw^d Ho$ AZwgma CËnmX H$s H$s_V {ZYm©[aV H$aZo Am¡a CËnmX H$m g§emoYZ H$aZo Ho$ {bE
AZw_{V Xr JB© h¡&
Cn`w©º$ {deofVmE± ~r_mH$Vm©Am| H$mo {Z~m©Y ê$n go n[adVu ~mOma I§S>m| H$mo Amdí`H$VmZwê$n ~r_m CËnmX àñVm{dV H$aZo Ho$ {bE
g_W© ~ZmVr h¢²&II.1.8 ^maVr` ~r_m {d{Z`m_H$ Am¡a {dH$mg àm{YH$aU _yë` n[adV©Z ImVo _| {dMma {H$`o OmZo Ho$ {bE {H$gr
(~r_mH$Vm©Am| Ho$ ~r_m§{H$H$, {dÎm Am¡a {Zdoe H$m`©) gH$mamË_H$ J{V{d{Y H$mo AZw_{V Zht h¡& Xo`VmAm| H$m
{d{Z`_, 2024 _yë`m§H$Z Cº$ {d{Z`_m| _| {ZYm©[aV ê$n _| ~r_m§{H$H$
{gÕm§Vm| Am¡a H$m`©nÕ{V`m| Ho$ AZwê$n {H$`m OmVm h¡&
II.1.8.1 AmB©AmaS>rEAmB© Zo AmB©AmaS>rEAmB© (~r_mH$Vm©Am|
Ho$ {bE ~r_m§{H$H$, {dÎm Am¡a {Zdoe H$m`©) {d{Z`_, 2024 {dÎm g§~§Yr H$m`©…
A{Ygy{MV {H$`o h¢ {OÝhm|Zo AmB©AmaS>rEAmB© (~r_m H§$n{Z`m|
H$) ñdmñÏ` ~r_mH$Vm©Am| g{hV gmYmaU ~r_mH$Vm©Am| Am¡a
Ho$ {dÎmr` {ddaU Am¡a boIm-narjH$ H$s [anmoQ>© V¡`ma H$aZm)
CZ ~r_mH$VmA© m | H$o _m_b o _ | Om o EH$_mÌ Vma¡ na nZw ~u_m
{d{Z`_, 2002 VWm AZwdVu g§emoYZm| H$m A{YH«$_U {H$`m
ì`dgm` _| bJo hþE h¢, "ñWmda g§nXm ([a`b EñQ>oQ>)
h¡& Cº$ {d{Z`_m| Ho$ à_wI n[adV©Z {ZåZmZwgma h¢:
{Zdoe g§n{Îm' Ho$ _yë`m§H$Z H$mo {ZYm©[aV H$aZo H$s
{H«$`m{d{Y H$mo OrdZ ~r_mH$Vm©Am| Ho$ _m_bo _| "ñWmda
~r_m§{H$H$ H$m`©…
g§nXm ([a`b EñQ>oQ>) {Zdoe g§n{Îm' Ho$ _yë`m§H$Z H$mo
H$) ~r_m§{H$H$ H$m`m] _| {Z`wº$ ~r_m§H$H$ àUmbr, emoYZ-
{ZYm©[aV H$aZo Ho$ {bE {H«$`m{d{Y Ho$ gmW gwg§JV ~Zm`m
j_Vm _m{O©Z H$s g§JUZm g{hV OrdZ Am¡a gmYmaU J`m h¡, {OgHo$ n[aUm_ñdê$n, {d{^Þ àH$ma Ho$
~r_m ì`dgm` Ho$ {bE AmpñV`m| Am¡a Xo`VmAm| H$m ~r_mH$Vm©Am| Ho$ A§VJ©V ñWmda g§nXm {Zdoe g§n{Îm`m|
_yë`m§H$Z em{_b h¢²& Ho$ {bE _yë`m§H$Z à{H«$`mAm| H$m gw_obZ hþAm h¡&
I) {H$gr ~r_m / nwZ~u_m H§$nZr _| {Z`wº$ ~r_m§H$H$ AÝ` I) AmB©AmaS>rEAmB© (~r_m H§$n{Z`m| Ho$ {dÎmr` {ddaU
{df`m | H$o ~rM CËnmX A{^H$ënZ Ama¡ H$s_V-{ZYma© U, Am¡a boIm-narjH$ H$s [anmoQ>© V¡`ma H$aZm) {d{Z`_,
nwZ~u_m, OmopI_ à~§Y, emoYZ-j_Vm Ho$ AZwajU, 2002 Ho$ {ZJ©_ Ho$ ~mX {d{^Þ n[anÌm| / {ZXoem| Ho$
{Zdoe VWm {d{^Þ {d{Z`m_H$ A{YXoem| Ho$ AZwnmbZ Ûmam {d{Z{X©ï> \$m_}Q>/ bmBZ _X| gmd©O{ZH$ àH$Q>rH$aU
H$mo gpå_{bV H$aVo hþE Cº$ joÌm| _| AË`§V _hËdnyU© H$s AnojmAm| Ho$ gmW gwg§J{V gw{Z{üV H$aZo Ho$ {bE
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{Zdoe H$m`©) {d{Z`_, 2024 _| {Z{dï> H$s JB© h¢²&
J) `o {d{Z`_ ~r_mH$Vm©Am|/ nwZ~u_mH$Vm©Am| H$s emoYZ-
j_Vm pñW{V Ho$ àXe©Z Am¡a {ZYm©aU Ho$ à`moOZ Ho$ {Zdoe H$m`©…
{bE AmpñV`m| Am¡a Xo`VmAm| Ho$ _yë`m§H$Z H$s {dñV¥V
H$) {H$gr Eogr H§$nZr H$s {H$gr AMb g§n{Îm, g§`§Ì AWdm
H$m`©nÕ{V`m| Am¡a {gÕm§Vm| H$mo gpå_{bV H$aVo h¢²&
CnñH$a na àW_ ^ma Ûmam gwa{jV {S>~|Ma {OgZo {H$gr
MyH$ Ho$ {~Zm ã`mO H$m ^wJVmZ nyU©V… {H$`m h¡, H$mo
K) AmpñV`m| H$m _yë`m§H$Z ~r_mH$Vm© Ho$ {dÎmr` {ddaUm|
AZw_mo{XV {Zdoe Ho$ ê$n _| _mZm OmEJm& ã`mO H$s
H$s V¡`mar _| {ZYm©[aV {gÕm§Vm| Ho$ AZwgma {H$`m OmVm
àm{á Ho$ {bE dfm] H$s g§»`m Ho$ _mZX§S> H$mo ~XbH$a
h&¡ VWm{n, H$wN> gMy r~Õ AmpñV`m ± emYo Z-j_Vm _m{OZ©
A~ {H$gr MyH$ Ho$ {~Zm ã`mO Ho$ ^wJVmZ go à{VñWm{nV
Ho$ àXe©Z _| ñdrH$m`© Zht h¢²& Bgr àH$ma, gmdYmZr Ho$
{H$`m J`m h¡&
à`moOZ Ho$ {bE, emoYZ-j_Vm Ho$ n[aH$bZ _| C{MV
68 Annual Report 2023-24I) Amdmg joÌ _| AmJo Am¡a {Zdoem| H$mo àmoËgm{hV H$aZo Ho$ joÌ Xm{`Ëdm| H$s ny{V© Ho$ {bE _mnZ Ho$ `y{ZQ> H$mo J«m_ n§Mm`V
{bE, ~m§S>m|/{S>~|Mam| Ho$ gmW-gmW, Amdmg {dÎm Ho$ ê$n _| nwZ… n[a^m{fV {H$`m h¡& {d{^Þ gaH$mar `moOZmAm|
H$§n{Z`m/| hSþ >H$m o_ |B{©¹$Q>r {Zdeo H$m oAmdmg Ama¡ ~{wZ`mXr Ho$ A§VJ©V H$mS©>YmaH$m| Am¡a bm^m{W©`m| H$mo gpå_{bV H$aZo Ho$
g§aMZm _| EŠgnmoOa Ho$ ^mJ Ho$ ê$n _| _mZm OmEJm& {bE gm_m{OH$ joÌ Ho$ Xm`ao H$m {dñVma {H$`m J`m h¡& _moQ>a
AÝ` nj Xm{`Ëdm| H$s ny{V© Ho$ {bE _mnZ H$m `y{ZQ> `mÌr
J) {V_mhr {dda{U`m± àñVwV H$aZo Ho$ {bE g_`-gr_m
dmhZm|, _mb dmhZm| Am¡a Q´>¡ŠQ>am| H$mo ~r_m H$daoO H$m ZdrH$aU
A~ {V_mhr H$s g_m{á go dV©_mZ 30 {XZ go ~‹T>mH$a
hmoJm& BZ {d{Z`_m| Ho$ g§~§Y _| EH$ AmboI ~mŠg _X II.2
45 {XZ H$a Xr JB© h¡&
_| àñVwV h¡&
K) ì`dgm` H$aZo H$s gwJ_Vm _| d¥{Õ H$aZo Am¡a ~w{Z`mXr
II.1.10 AmB©AmaS>rEAmB© (nm{bgrYmaH$m| Ho$ {hVm| H$m
g§aMZm _| {Zdoem| H$mo àmoËgm{hV H$aZo Ho$ {bE ~w{Z`mXr
g§ajU, ~r_mH$Vm©Am| Ho$ n[aMmbZ Am¡a g§~Õ {df`)
g§aMZm H$O© {Z{Y`m| _| {Zdoem| H$mo nyd© AZw_moXZ H$s
{d{Z`_, 2024
Anojm Ho$ {~Zm Hw$N> eVm] Ho$ AmYma na AZw_{V Xr JB©
h¡& II.1.10.1 AmBA© maS>rEAmB ©(nm{bgrYmaH$m |H$o {hVm |H$m ga§ jU,
~r_mH$Vm©Am| Ho$ n[aMmbZ Am¡a g§~Õ {df`) {d{Z`_, 2024,
L) ~mOma ny±OrH$aU Am¡a Ho$ÝÐr` gaH$mar joÌ CÚ_ Ho$
20 _mM© 2024 H$mo A{Ygy{MV {H$`o J`o& `o {d{Z`_ Xmo ^mJm|
Ûmam erfñ© W 100 gMy r~Õ H$§n{Z`m | H$o AV§ JV© AmZdo mbr
_| h¢²& ^mJ H$ nm{bgrYmaH$m| Ho$ {hVm| Ho$ g§ajU go g§~§{YV
àdV©H$ g_yh H§$n{Z`m| Ho$ {ZOr ñWmZZ _| {Zdoe H$s
Cn~§Ym| go g§~§{YV h¡ VWm ^mJ I ~r_mH$Vm©Am| Ho$ n[aMmbZm|
AZw_{V Xr JB© h¡&
Am¡a g§~Õ {df`m| go g§~§{YV Cn~§Ym| H$mo H$da H$aVm h¡& Bg
{d{Z`_ Zo ~r_m nm{b{g`m| H$s Anojm (g{b{gQ>oeZ) Am¡a
M) ~¢qH$J, {dÎmr` godmE±, Am¡a ~r_m (~rE\$EgAmB©) joÌ
{dH«$` Ho$ Xm¡amZ g§^m{dV J«mhH$m| Ho$ à{V C{MV ì`dhma H$mo
_| {Zdoe Ho$ {bE EŠgnmoOa gr_m 30 à{VeV VH$
gw{Z{üV H$aZo VWm nm{bgrYmaH$m| Ho$ {hVm| H$m g§ajU
~‹T>mB© JB© h¡&
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_mZX§S>m| H$s ~moS©> Ûmam {ZJamZr Ho$ AZwnmbZ Ho$ {bE hþE AmR> {d{Z`_m| H$mo EH$ EH$sH¥$V g§aMZm _| g_o{H$V {H$`m
{V_mhr AmYma na ~r_mH$Vm © H$o gm{§d{YH$ bIo m-narjH$ h¡& BZ {d{Z`_m| Zo ~r_mH$Vm©Am| Am¡a {dVaU _mÜ`_m| Ho$ Ûmam
Ûmam nwï>rH$aU H$s Anojm g_má H$s JB© h¡& {eH$m`Vm| Ho$ {ZdmaU Am¡a nm{bgrYmaH$-Ho$pÝÐV A{^emgZ
g{hV nm{bgrYmaH$m| Ho$ à{V AnZo Xm{`Ëdm| H$s ny{V© H$aZo Ho$
II.1.9 AmB©AmaS>rEAmB© (J«m_rU, gm_m{OH$ joÌ Am¡a
{bE _mZH$ {H«$`m{d{Y`m| Am¡a gdm}Îm_ àWmAm| H$mo AnZmZo na
_moQ>a AÝ` nj Xm{`Ëd) {d{Z`_, 2024
{deof ~b {X`m h¡& `o {d{Z`_ àË`oH$ ~r_mH$Vm© go Anojm
II.1.9.1 ` o {d{Z`_ ~r_mH$VmA© m | H$o {bE Jm«_rU Ama¡ gm_m{OH$ H$aVo h¢ {H$ CgHo$ nmg nm{bgrYmaH$m| Ho$ {hVm| Ho$ g§ajU Ho$
joÌm| VWm _moQ>a AÝ` nj ì`dgm` Ho$ g§~§Y _| Ý`yZV_ {bE ~moS©> Ûmam AZw_mo{XV Zr{V bmJy hmo& Cº$ Z`o {d{Z`_m| Ho$
ì`mdgm{`H$ Xm{`Ëdm| g§~§Yr nyd© Ho$ Xmo {d{Z`_m| H$m g_oH$Z AÝ` _w»` Cn~§Ym| _| {ZåZ{bpIV em{_b h¢ :
H$aZo Ho$ Ûmam g§emo{YV {H$`o J`o Wo& BZ {d{Z`_m| Zo J«m_rU
Annual Report 2023-24 69• g§d{Y©V {Z…ewëH$ AdbmoH$Z Ad{Y… • J«mhH$ gyMZm nÌH$ (grAmB©Eg):
nm{bgrYmaH$m| Ho$ nmg A~ AnZr ~r_m nm{b{g`m| H$s ~r_mH$Vm©Am| H$m `h Xm{`Ëd h¡ {H$ do nm{bgr XñVmdoO
g_rjm H$aZo VWm IarX H$s nÕ{V H$m {dMma {H$`o Ho$ gmW EH$ {dñV¥V J«mhH$ gyMZm nÌH$ CnbãY H$amE±
{~Zm, `{X nm{bgr (OrdZ Ama¡ ñdmñÏ`) H$s eV ] ñdrH$m`© Omo EH$ Eogm {ddaU h¡ Omo Omar H$s JB© nm{bgr H$s
Zht h¢ Vmo CÝh| {ZañV H$aZo Ho$ {bE 30 {XZ H$m g_` _hËdnyU© gyMZm Am¡a nm{bgr H$s _w»` {deofVmE± gab
hmoJm& eãXm| _| àñVwV H$aVm h¡&
• A{YH$ VoO YZdmngr àg§ñH$aU… • {dÎmr` OmopI_-A§H$Z…
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~møòmVo rH$aU (AmCQ>gm{ogJª ) H$o H$m`H© $bmnm |g og~§ {§YV OmpoI_
YZdmngr AWdm Xmdm g§~§Yr ^wJVmZm| Ho$ BboŠQ´>m{ZH$
à~§Y _| {ddoH$nyU© àWmAm| H$mo ~‹T>mdm XoZo Ho$ {bE _mZX§S>
A§VaU H$mo gwgmÜ` ~ZmZo Ho$ {bE ~r_mH$Vm©Am| Ho$ {bE
{d{Z{X©ï> {H$`o h¢²& BgHo$ Abmdm, BZ {d{Z`_m| Zo gw{Z{üV
`h A{YXoemË_H$ (_¢So>Q>ar) {H$`m J`m h¡ {H$ do àñVmd
{H$`m h¡ {H$ ~r_mH$Vm©Am| Ho$ Ûmam XmoZm| Xoer Am¡a A§Vaamï´>r`
Ho$ ñVa Ho$ Xm¡amZ ~r_mH¥$V ì`{º$ Ho$ ~¢H$ ImVo go g§~§{YV
Vm¡a na ì`dgm` Ho$ ñWmZ ImobZo AWdm ~§X H$aZo H$m g§MmbZ
gyMZm àmá H$a|²&
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àmW{_H$Vm XoVm hmo&
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g^r OrdZ ~r_m nm{b{g`m| Ho$ {bE A~ Zm_m§H$Z II.2 ~r_m ì`dgm` Ho$ gmW g§~Õ ~r_m EO|Q> Am¡a ~r_m
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II.2.1. ~r_m EO|Q>
gmYmaU Am¡a ñdñÏ` ~r_m nm{b{g`m| Ho$ {bE Ohm± ^r
~r_m EOQ| > ~r_mH$Vm ©Ûmam ~r_m nm{b{g`m |H$s {ZaV§ aVm, ZdrH$aU
bmJy h¡ dhm± Zm_m§H$Z Ho$ Cn~§Y àma§^ {H$`o J`o h¢²&
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Omar H$s OmZr Mm{hE VWm `{X nm{bgrYmaH$ Ho$ Ûmam ñdmñÏ` ~r_mH$Vm© VWm {deofrH¥$V ~r_mH$Vm©Am| _| go àË`oH$
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70 Annual Report 2023-24~mŠg II.2
J«m_rU, gm_m{OH$ joÌ Am¡a _moQ>a AÝ¶ nj Xm{`Ëd g_mdoer ~r_m H$mo ~‹T>mdm XoZm
J«m_rU Am¡a gm_m{OH$ joÌ Xm{`Ëd, ~r_m A{Y{Z`_, 1938 H$s YmamAm| 32~r Am¡a 32gr go àmá {H$`o J`o h¢ Omo {ZYm©[aV H$aVm h¡ {H$
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g{_{V Ho$ Ûmam ì`mnH$ g_rjm H$aZo Ho$ Cnam§V, ~r_mH$Vm©Am| Ho$ {bE J«m_rU, gm_m{OH$ joÌ Am¡a _moQ>a AÝ` nj ì`dgm` _| Ý`yZV_
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Cº$ g§emo{YV {d{Z`_ Bg {df` _| EH$ _hËdnyU© n[adV©Z A§{H$V H$aVo h¢ {H$ ~r_m g_mdoe H$m _mnZ H¡$go {H$`m OmVm h¡& gmYmaU ~r_m
Ho$ {bE, \$moH$g gH$b àË`j àr{_`_ go J«m_ n§Mm`V ñVa na Omar H$s JB© nm{b{g`m| H$s g§»`m na A§V[aV {H$`m J`m h¡, Ohm± _moQ>a
dmhZm|, {Zdmg-J¥hm| Am¡a XþH$mZm| H$mo H$da H$aZo na ~b {X`m J`m h¡& OrdZ Am¡a ñdmñÏ` ~r_m Ho$ {bE, J«m_ n§Mm`V _| OrdZ ~r_m `m
ñdmñÏ` Am¡a d¡`{º$H$ XþK©Q>Zm ~r_m Ho$ A§VJ©V, Omar H$s JB© nm{b{g`m| H$s g§»`m Ho$ ñWmZ na, H$da {H$`o J`o OrdZm| H$s g§»`m H$s JUZm
H$s OmVr h¡&
Z`o {d{Z`_m| _| {d{^Þ {hVYmaH$m|, AWm©V² : ~r_mH$Vm©Am|, J«m_ n§Mm`Vm|, Am¡a J«m_ g{Mdm| Ho$ ~rM gh`moJ H$s Anojm H$s OmVr h¡& `o
{hVYmaH$ 2047 VH$ g~Ho$ {bE ~r_m H$s g_J« n[aÑ{ï> _| ~r_m g_mdoe H$mo àmá H$aZo Ho$ {bE {_bH$a EH$ gmW H$m`© H$a|Jo& BgHo$
Abmdm, OrdZ Am¡a gmYmaU ~r_m n[afX| gh_{V-àmá _mZX§S>m| Ho$ AmYma na J«m_ n§Mm`Vm| H$s nhMmZ H$a|Jr Am¡a CÝh| ~r_mH$Vm©Am| H$mo
Am~§{Q>V H$a|Jr, VWm J«m_ n§Mm`V _| OrdZm| H$s g§»`m, {Zdmg-J¥hm|, XþH$mZm| Am¡a _moQ>a dmhZm| H$s g§»`m g§~§Yr So>Q>m EH$Ì H$aZo Ho$ {bE
ñWmZr` àm{YH$m[a`m| Ho$ gmW gh`moJ H$a|Jr&
gm_m{OH$ joÌ Ho$ {dñVma H$mo ~‹T>mH$a H$mS©>YmaH$m| (O¡go ~rnrEb H$mS©>YmaH$, B©-l_ H$mS©>YmaH$, _ZaoJm H$mS©>YmaH$, S>r~rQ>r bm^mWu, OZ
YZ ImVmYmaH$ Am{X) Ed§ {d{^Þ `moOZmAm| (O¡go àYmZ _§Ìr {H$gmZ gå_mZ {Z{Y `moOZm, àYmZ _§Ìr OZ Amamo½` `moOZm, àYmZ _§Ìr
Amdmg `moOZm, àYmZ _§Ìr {dœH$_m© `moOZm, àYmZ _§Ìr _wÐm `moOZm Am{X) Ho$ A§VJ©V bm^m{W©`m| H$mo gpå_{bV {H$`m J`m h¡& OrdZm| H$o
A{YH$m{YH$ H$daoO H$mo g_W© ~ZmZo Ho$ {bE, gm_m{OH$ joÌ Xm{`Ëd Ho$ ê$n _| {ZYm©[aV OrdZm| Ho$ AZwnmV H$mo 0.5-5 à{VeV go ~‹T>mH$a
g^r OrdZ, gmYmaU Am¡a ñQ>¢S>AbmoZ ñdmñÏ` ~r_mH$Vm©Am| Ho$ {bE H$da {H$`o J`o g^r OrdZm| H$m 10 à{VeV {H$`m J`m h¡& `h n[adV©Z
AnZo g§ajU _| A{YH$ OrdZm| H$mo em{_b H$aVo hþE gm_m{OH$ joÌ ~r_m ZoQ>dH©$ H$mo C„oIZr` ê$n _| ì`mnH$ ~ZmVm h¡& gm_m{OH$ joÌ
OZg§»`m hoVw So>Q>m EH$Ì H$aZo Ho$ {bE n[afX| gaH$mar EO|{g`m| Am¡a Cn`wº$ àm{YH$m[a`m| Ho$ gmW g_Ýd` H$a|Jr VWm gm_m{OH$ Xm{`Ëdm|
H$mo nyam H$aZo Ho$ {bE ~r_mH$Vm©Am| Ho$ gmW Cgo gmPm H$a|Jr&
g§emo{YV _moQ>a AÝ` nj {d{Z`_ àË`oH$ ~r_mH$Vm© Ho$ gH$b àË`j àr{_`_ (OrS>rnr) na \$moH$g H$aZo Ho$ ~Om` BgHo$ ñWmZ na ~r_mH$Vm©
Ho$ ~mOma A§e VWm {d{eï> ê$n go _mbdmhH$, `mÌrdmhH$ dmhZm| Am¡a Q´>¡ŠQ>am| Ho$ A§VJ©V ~r_mH¥$V dmhZm| H$s g§»`m _| d¥{Õ na ~b XoVo
h¢²& EH$ gmdYmZrnyd©H$ A{^H$pënV H$m`©nÕ{V _| gmYmaU ~r_mH$Vm©Am| (ñQ>¢S>AbmoZ ñdmñÏ` ~r_mH$Vm©Am| Am¡a {deofrH¥$V ~r_mH$Vm©Am|
H$mo N>mo‹S>H$a) H$mo ~r_mH¥$V dmhZm| H$s ZdrH¥$V nm{b{g`m| Ho$ à{VeV Ho$ g§~§Y _| VWm `mÌrdmhH$ dmhZm| (nrgrdr), _mbdmhH$ dmhZm|
(Orgrdr) Am¡a Q´>¡ŠQ>am| ({d{dY I§S>) H$s lo{U`m| _| A~r_mH¥$V dmhZm| Ho$ H$daoO Ho$ g§~§Y _| dfm©Zwdf© d¥{Õ H$m bú` gm¢nm J`m h¡&
A~r_mH¥$V dmhZm| H$m {dbmonZ H$aZo Ho$ {bE, ~r_mH$Vm©Am| Ho$ Ûmam E_Q>rnr Xm{`Ëdm| H$s ny{V© hoVw ~r_m Ho$ Ý`yZV_ 30 {XZ Ho$ A§Vamb H$m
n[aMmbZ I§S> {ZYm©[aV {H$`m J`m h¡& BgHo$ Abmdm, ~r_mH$Vm©Am| go Ano{jV h¡ {H$ do nrgrdr, Orgrdr Am¡a Q´>¡ŠQ>am| H$s àË`oH$ loUr Ho$
A§VJ©V Eogo A~r_mH¥$V dmhZm| H$s nhMmZ H$aZo VWm n§OrH$aU g§»`m Am¡a dmhZ Ho$ _m{bH$ Ho$ Zm_ go `wº$ gyMr ~ZmZo Ho$ {bE gmYmaU
~r_m n[afX Ho$ gmW g_Ýd` H$aVo hþE ~r_m gyMZm ã`yamo (AmB©AmB©~r) VWm àË`oH$ amÁ` Ho$ g‹S>H$ n[adhZ àm{YH$aU Ho$ gmW gh`moJ H$a|²&
Z`m J«m_rU, gm_m{OH$ joÌ Am¡a _moQ>a AÝ` nj Xm{`Ëd {d{Z`_ 2024, "2047 VH$ g~Ho$ {bE ~r_m' H$s AmB©AmaS>rEAmB© H$s à{V~ÕVm
H$s {Xem _|, Ed§ A~r_mH¥$V dmhZm| H$m Hw$b H$daoO gw{Z{üV H$aZodmbm EH$ AJ«Jm_r H$X_ h¡&OrdZ ~r_mH$Vm©Am| Ho$ gmW g§~Õ ~r_m EO|Q> gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm©Am| Ho$ gmW g§~Õ ~r_m
EO|Q>
II.2.1.1 31 _mM© 2024 H$s pñW{V Ho$ AZwgma d¡`{º$H$
EO|Q>m| H$s g§»`m 31 _mM© 2023 H$mo {dÚ_mZ 26.28 bmI H$s II.2.1.3 31 _mM© 2024 H$mo gmYmaU ~r_mH$Vm©Am| Ho$ gmW
VwbZm _| 28.95 bmI Wr& CÚmoJ Zo {nN>bo df© H$s VwbZm _| g§~Õ EO|Q>m| H$s g§»`m Zo 31 _mM© 2023 H$mo {dÚ_mZ EO|Q>m|
EO|Q>m| H$s {Zdb g§»`m _| 10.17 à{VeV H$s d¥{Õ Xem©B©²& H$s VwbZm _| 3.9 à{VeV H$s {JamdQ> XO© H$s& {deofrH¥$V
O~{H$ {ZOr OrdZ ~r_mH$Vm©Am| Zo 15.60 à{VeV H$s d¥{Õ EO|Q>m| Ho$ gmW H$moB© EO|Q> g§~Õ Zht Wo& gmYmaU ~r_mH$Vm©Am|
XO© H$s, dht gaH$mar joÌ OrdZ ~r_mH$Vm©Am| Zo 5 à{VeV H$s Ho$ Hw$b 6,99,150 EO|Q>m| _| go 76.30 à{VeV nwéf h¢ Am¡a
d¥{Õ XO© H$s& 31 _mM© 2024 H$mo gaH$mar joÌ ~r_mH$Vm©Am| 23.70 à{VeV _{hbmE± h¢²&
Ho$ nmg EO|Q>m| H$s g§»`m 14.15 bmI Wr, Am¡a {ZOr joÌ
II.2.1.4 ñQ>¢S>AbmoZ ñdmñÏ` ~r_mH$Vm©Am| Ho$ gmW g§~Õ
~r_mH$Vm©Am| Ho$ nmg VXZwê$nr g§»`m 14.81 bmI Wr&
EO|Q>m| H$s g§»`m Zo {nN>bo df© H$s VwbZm _| 12.71 à{VeV
II.2.1.2 df© 2023-24 Ho$ Xm¡amZ, 9.75 bmI EO|Q> {Z`wº$ H$s d¥{Õ XO© H$s& ñQ>¢S>AbmoZ ñdmñÏ` ~r_mH$Vm©Am| Ho$ Hw$b
{H$`o J`o Am¡a 6.98 bmI EO|Q>m| H$s godm g_má H$s JB© Wr& 13.06 bmI d¡`{º$H$ EO|Q>m| _| go 71 à{VeV nwéf h¢ Am¡a 29
OrdZ ~r_m CÚmoJ Ho$ Hw$b 28.95 bmI d¡`{º$H$ EO|Q>m| _| go à{VeV _{hbmE± h¢²& 2023-24 H$s g_m{á na gmYmaU Am¡a
nwéf d¡`{º$H$ EO|Q> 69.87% h¢ Am¡a _{hbm d¡`{º$H$ EO|Q> ñdmñÏ` ~r_mH$Vm©Am| Ho$ gmW g§~Õ ~r_m EO|Q>m| H$s g_J«
30.13% h¢²& g§»`m Zo {nN>bo df© H$s VwbZm _| 6.30 à{VeV d¥{Õ XoIr&
gmaUr II.1: OrdZ, gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm©Am| Ho$ gmW g§~Õ ~r_m EO|Q>
31 _mM© 2023-24 Ho$ 2023-24 31 _mM©
~r_mH$Vm© 2023 H$mo Xm¡amZ {Z`w{º$ Ho$ Xm¡amZ 2024 H$mo
godmg_m{á
gaH$mar joÌ OrdZ ~r_mH$Vm© 13,47,325 4,18,596 3,51,178 14,14,743
{ZOr joÌ OrdZ ~r_mH$Vm© 12,80,883* 5,56,380 3,46,322 14,80,695
OrdZ ~r_m CÚmoJ Hw$b# 26,28,208 9,74,976 6,97,500 28,95,438
gaH$mar joÌ gmYmaU ~r_mH$Vm© 3,09,748 11,034 2,686 3,18,096
{ZOr joÌ gmYmaU ~r_mH$Vm© 4,17,745 85,923 1,22,614 3,81,054
gmYmaU ~r_m CÚmoJ Hw$b 7,27,493 96,957 1,25,300 6,99,150
ñQ>¢S>-AbmoZ ñdmñÏ` ~r_mH$Vm© 11,58,294 2,15,457 68,182 13,05,569
CÚmoJ Hw$b 45,13,995 12,87,390 8,90,982 49,00,157
ZmoQ>: EH$ ì`{º$JV EO|Q> {H$gr ^r g§`moOZ _| EH$ OrdZ, EH$ gm_mÝ` Am¡a EH$ ñdmñÏ` ~r_m H§$nZr go Ow‹S>m hmo gH$Vm h¡&
* 31.03.2023 VH$ ì`{º$JV EO|Q>m| H$s g§»`m _| ghmam B§{S>`m bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> Ho$ EO|Q> em{_b h¢²&
#ghmam B§{S>`m bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> (EgAmB©EbAmB©gr) H$m OrdZ ~r_m H$mamo~ma AmB©AmaS>rEAmB© Ûmam AnZo AmXoe {XZm§H$ 2.6.2023 Ho$ VhV
Eg~rAmB© bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> (Eg~rAmB© bmB\$) H$mo hñVm§V[aV {H$`m J`m h¡ Am¡a {dÎm df© 2023-24 Ho$ {bE Cnamoº$ So>Q>m/gyMZm _|
EgAmB©EbAmB©gr go g§~§{YV So>Q>m/gyMZm em{_b Zht h¡&
72 Annual Report 2023-24gmaUr II.2: OrdZ, gmYmaU Am¡a ñdmñÏ` ~r_mH$Vm©Am| Ho$ gmW g§~Õ
~r_m EO|Q>m| H$m qbJ-dma {dVaU
~r_mH$Vm© nwéf _{hbm AÝ` Hw$b
gaH$mar joÌ OrdZ ~r_mH$Vm© 10,55,671 3,59,072 0 14,14,743
(74.62) (25.38) (0.00) (100)
{ZOr joÌ OrdZ ~r_mH$Vm© 9,67,277 5,13,417 1 14,80,695
(65.33) (34.67) (0.00) (100)
OrdZ ~r_m CÚmoJ Hw$b# 20,22,948 8,72,489 1 28,95,438
(69.87) (30.13) (0.00) (100)
gaH$mar joÌ gmYmaU ~r_mH$Vm© 2,57,907 60,189 0 3,18,096
(81) (19) (0.00) (100)
{ZOr joÌ gmYmaU ~r_mH$Vm© 2,75,571 1,05,483 0 3,81,054
(72) (28) (0.00) (100)
gmYmaU ~r_m CÚmoJ Hw$b 5,33,478 1,65,672 0 6,99,150
(76.30) (26.70) (0.00) (100)
ñQ>¢S>-AbmoZ ñdmñÏ` ~r_mH$Vm© 9,31,564 3,74,005 0 13,05,569
(71) (29) (0.00) (100)
CÚmoJ Hw$b 34,87,990 14,12,166 1 49,00,157
(71.18) (28.82) (0.00) (100)
ZmoQ>: H$moð>H$ _| {XE JE Am§H$‹S>o Hw$b H$m à{VeV Xem©Vo h¢ &
#ghmam B§{S>`m bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> (EgAmB©EbAmB©gr) H$m OrdZ ~r_m H$mamo~ma AmB©AmaS>rEAmB© Ûmam AnZo AmXoe {XZm§H$ 2.6.2023 Ho$ VhV
Eg~rAmB© bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> (Eg~rAmB© bmB\$) H$mo hñVm§V[aV {H$`m Om ahm h¡ Am¡a {dÎm df© 2023-24 Ho$ {bE Cnamoº$ So>Q>m/gyMZm _|
EgAmB©EbAmB©gr go g§~§{YV So>Q>m/gyMZm em{_b Zht h¡&
II.2.2 H$manmoaoQ> EO|Q> H$s {d{dYVm _ | d{¥Õ H$aZ o H$o {bE, AmBA© maS>rEAmB © Z o H$manmao Qo >
EO|Q>m| Ho$ {bE Cº$ {d{Z`_m| H$m g§emoYZ {H$`m h¡ {Oggo CÝh|
II.2.2.1 H$manmoaoQ> EO|Q> AmB©AmaS>rEAmB© (H$manmoaoQ> EO|Q>m|
Zm¡ OrdZ ~r_mH$Vm©Am|, Zm¡ J¡a-OrdZ ~r_mH$Vm©Am|, Am¡a Zm¡
H$m n§OrH$aU) {d{Z`_, 2015 Ho$ AYrZ àm{YH$aU Ûmam Omar
ñQ>¢S>-AbmoZ ñdmñÏ` ~r_mH$Vm©Am| VH$ Ho$ gmW ^mJrXmar
{H$`m J`m {d{Y_mÝ` n§OrH$aU à_mUnÌ Ym[aV H$aZodmbo
ñWm{nV H$aZo Ho$ {bE AZw_{V Xr JB© h¡& 31 _mM© 2024 H$s
~r_m _Ü`dVu h¢²& `h à_mUrH$aU CÝh| OrdZ, gmYmaU Am¡a
pñW{V Ho$ AZwgma, 635 g{H«$` H$manmoaoQ> EO|Q> h¢ {OZ_| 247
ñdmñÏ` ~r_m g{hV {d{^Þ lo{U`m| Ho$ ~r_m ì`dgm` H$s
~¢H$, 388 J¡a-~¢qH$J {dÎmr` H§$n{Z`m± (EZ~rE\$gr), ghH$mar
Anojm (g{b{gQ>oeZ) Am¡a godm H$aZo Ho$ {bE g_W© ~ZmVm
g{_{V`m±, gr{_V Xo`Vm dmbr ^mJrXmar \$_©, Am¡a AÝ` nmÌ
h¡& H$manmoaoQ> EO|Q>m| _| àmW{_H$ ê$n go ~r_m {dVaU H$mo
g§ñWmE± em{_b h¢²&
N>mo‹S>H$a AÝ` ì`dgm` joÌm| _| bJr hþB© g§ñWmE± hmoVr h¢²& `o
gñ§ WmE ± ~r_m CËnmXm | H$o à{V-{dH$«` (H$«mg-gqobJ) H$m o ggw mÜ` 31 _mM© 2024 H$mo `Wm{dÚ_mZ ~r_m ì`dgm` Ho$ gmW g§~Õ
~ZmZ o H$o {bE AnZ o dV_© mZ Jm«hH$ AmYma Ama¡ ~mOma CnpñW{V H$manmoaoQ> EO|Q>m| H$s pñW{V gmaUr II.3 _| Xr JB© h¡&
H$m CÞ`Z H$aVr h¢²& J«mhH$m| Ho$ {bE CnbãY ~r_m {dH$ënm|
Annual Report 2023-24 73gmaUr II.3: ~r_m ì`dgm` ‘o g{H«$` H$manmoaoQ> EO|Q> (31 _mM© 2024 H$mo)
loUr ~¢H$ EZ~rE\$gr Am¡a AÝ` Hw$b
OrdZ 8 12 20
gmYmaU 9 26 35
ñdmñÏ` 0 0 0
gpå_l 230 350 580
Hw$b 247 388 635
II.2.3 ~r_m Xbmb
31 _mM© 2024 H$s pñW{V Ho$ AZwgma n§OrH¥$V Xbmbm| H$s OrdZ ~r_m joÌ _| gyú_ ~r_m
g§»`m 854 h¡& Bg_| go, {d{Y_mÝ` Xbmbm| H$s g§»`m 683
II.2.4.1 31 _mM© 2024 H$s pñW{V Ho$ AZwgma, 22 OrdZ
ahr, O~{H$ 31 _mM© 2024 H$mo eof 171 àMbZ _| Zht h¢²&
~r_mH$Vm©Am| Ho$ 54 gyú_ ~r_m CËnmX {dH«$` Ho$ {bE ~mOma
Cº$ 683 {d{Y_mÝ` Xbmbm| _| go 609 àËµ`j Xbmb h¢, 70
_| CnbãY Wo& BZ 54 CËnmXm| _| go, 16 d¡`{º$H$ CËnmX h¢
gpå_l Xbmb Am¡a 4 nwZ~u_m Xbmb h¢²&
Am¡a eof 38 gm_y{hH$ CËnmX h¢ (AZw~§Y 6)& {dÎmr` df©
01 Aà¡b 2023 go 31 _mM© 2024 VH$ H$s Ad{Y Ho$ Xm¡amZ 2023-24 Ho$ Xm¡amZ OrdZ ~r_m joÌ _| gyú_ ~r_m ì`dgm`
Hw$b 64 Z`o n§OrH$aU à_mUnÌ (grAmoAma) Omar {H$`o J`o H$m H$m`©{ZînmXZ gmaUr II.4 _| {X`m J`m h¡&
{OZ_| go 61 àË`j Xbmb (OrdZ Am¡a gmYmaU) Am¡a 3
O~{H$ df© 2023-24 Ho$ {bE gyú_ ~r_m I§S> Ho$ A§VJ©V
àË`j ~r_m Xbmb (gmYmaU) Wo& Cº$ Ad{Y Ho$ Xm¡amZ, 189
d¡`{º$H$ Z`m ì`dgm` é. 152.57 H$amo‹S> Ho$ àr{_`_ Ho$ gmW
~r_m Xbmb n§OrH$aUm| H$m ZdrH$aU {H$`m J`m&
3.41 bmI ZB © nm{b{g`m | na ahm, gm_{yhH$ gúy _ ~r_m ì`dgm`
II.2.4 gyú_ ~r_m EO|Q> Ho$ A§VJ©V gpå_{bV OrdZm| H$s g§»`m é. 10707.82 H$amo‹S>
Ho$ àr{_`_ Ho$ gmW 1783.92 bmI h¡& gyú_ ~r_m Ho$ à{V
{ZåZ Am` dJm] Am¡a Am{W©H$ ê$n go d§{MV dJm] dJm] H$mo g_W©
EbAmBg© r H$m Ae§ XmZ d`¡ {º$H$ ì`dgm` H$o AV§ JV© é.134.85
~ZmZo Ho$ {bE pñW{V H$m gm_Zm H$a gH$Zo hoVw Am¡a {dÎmr`
H$amo‹S> Ho$ àr{_`_ Ho$ gmW 2.39 bmI nm{b{g`m± ahm VWm
hm{Z`m| go g_wËWmZ H$aZo _| CZH$s ghm`Vm H$aZo Ho$ {bE
gm_y{hH$ ì`dgm` Ho$ A§VJ©V é.17.09 H$amo‹S> àr{_`_ Ho$
dhZr` ~r_m CËnmXm| Ho$ Vm¡a na EH$ g§H$ënZm Ho$ ê$n _| gyú_
gmW 30.49 bmI OrdZ Wm& gyú_ ~r_m Ho$ à{V {ZOr joÌ H$m
~r_m àñVwV {H$`m J`m h¡&
A§eXmZ d¡`{º$H$ ì`dgm` _| 1.02 bmI nm{b{g`m± Am¡a
é.17.72 H$amo‹S> àr{_`_ Wm Am¡a gm_y{hH$ ì`dgm` Ho$ A§VJ©V
àma§^ _| AmB©AmaS>rEAmB© Zo gyú_ ~r_m {d{Z`_m| H$mo 2005 _|
é. 10690.73 H$amo‹S> àr{_`_ Ho$ gmW 1753.43 bmI OrdZ
A{Ygy{MV {H$`m Wm Am¡a ~mX _| 2015 _| AmB©AmaS>rEAmB©
Wm&
(gyú_ ~r_m) {d{Z`_m| H$m AmemoYZ {H$`m J`m {OgHo$ Ûmam
H$B ©~q¢H$J Ama¡ Ja¡ -~q¢H$J {dÎmr` gñ§ WmAm,| ghH$mar gmgo mB{Q>`m|
H$mo gyú_ ~r_m EO|Q>m| Ho$ ê$n _| {Z`wº$ H$aZo Ho$ {bE AZw_{V
Xr JB©²&
74 Annual Report 2023-24gmaUr II.4: OrdZ ~r_m joÌ _| gyú_ ~r_m ì`dgm` H$m H$m`©{ZînmXZ
d¡`{º$H$ Z`m ì`dgm` gm_y{hH$ Z`m ì`dgm`
~r_mH$Vm© nm{b{g`m± àr{_`_ `moOZmE± àr{_`_ a{jV OrdZ
(bmI) (<H$amo‹S>) (<H$amo‹S>) (bmI)
{ZOr joÌ 1.02 17.72 469 10,690.73 1,753.43
gaH$mar joÌ 2.39 134.85 4993 17.09 30.49
Hw$b 3.41 152.57 5462 10707.82 1783.92
{Q>ßnUr: Z`o ì`dgm` àr{_`_ _| àW_ df© àr{_`_ Am¡a EH$b àr{_`_ em{_b h¢²&
31 _mM© 2024 H$mo gyú_ ~r_m EO|Q>m| H$s g§»`m 1,01,848 ghm`Vm g_yh (EgEMOr) 0.25 à{VeV ~ZmVo h¢, gyú_ {dÎm
Wr, {Og_| go 19,166 EO|Q> EbAmB©gr go g§~§{YV h¢ VWm g§ñWmE± (E_E\$AmB©) 0.24 à{VeV ~ZmVr h¢, ì`dgm`
eof 82,682 {ZOr joÌ OrdZ ~r_mH$Vm©Am| Ho$ h¢²& Hw$b gyú_ à{V{Z{Y (~rgr) 0.12 à{VeV ~ZmVo h¢ VWm AÝ` gyú_
~r_m EO|Q>m| _| go EZOrAmo 4.49 à{VeV ~ZmVo h¢, ñd`§ ~r_m EO|Q> 94.90 à{VeV ~ZmVo h¢²&
gmaUr II.5 : OrdZ ~r_mH$Vm©Am| Ho$ gyú_ ~r_m EO|Q>
EO|Q> gaH$mar joÌ {ZOr joÌ Hw$b
EZOrAmo 4,560 9 4,569
EgEMOr 257 1 258
E_E\$AmB© 214 28 242
ì`dgm` à{V{Z{Y 103 24 127
AÝ` gyú_ ~r_m EO|Q> 14,032 82,620 96,652
Hw$b 19,166 82,682 1,01,848
gmYmaU ~r_m joÌ _| gyú_ ~r_m
gd©ì`mnr (`y{Zdg©b) ñdmñÏ` ~r_m, g§nyU© J¥h gwajm nm{bgr
Am{X&
II.2.4.2 gmYmaU gyú_ ~r_m CËnmX ñdmñÏ` ~r_m, d¡`{º$H$
XþK©Q>Zm, Am¡a gm_mZ O¡go newYZ, Pmon‹S>r, AWdm gmYZ `m àm{YH$aU Zo gyú_ ~r_m EO|Q>mo Ho$ Ûmam Anojm (g{b{gQ>oeZ)
Am¡Oma Am{X H$mo H$da H$aVm h¡& `h CËnmX d¡`{º$H$ `m Am¡a {dnUZ {H$`o OmZo Ho$ {bE J¡a-F$Ur {H$gmZm| H$mo H$da
H$aVo hþE àYmZ _§Ìr µ\$gb ~r_m `moOZm (nrE_E\$~rdmB©) H$mo
gm_y{hH$ AmYma na àmá {H$`m Om gH$Vm h¡& gmYmaU ~r_m
AZw_{V Xr h¡&
H§$n{Z`m| Ûmam àñVm{dV gyú_ ~r_m CËnmXm| _| em{_b h¢ _doer
gyú_ ~r_m, {H$gmZ H¥${f nån goQ> gyú_ ~r_m, OZVm d¡`{º$H$ df© 2023-24 _| gyú_ ~r_m EO|Q>m| Ho$ Ûmam Omar H$s OmZodmbr
XþK©Q>Zm gyú_ ~r_m, gyú_ J«m_rU d¡`{º$H$ XþK©Q>Zm ~r_m, gyú_ gmYmaU ~r_m nm{b{g`m| H$s Hw$b g§»`m {ZåZmZwgma h¡…
Annual Report 2023-24 75gmaUr II.6 : Omar H$s JB© gyú_ ~r_m nm{b{g`m| H$s II.2.5.1 df© 2023-24 Ho$ Xm¡amZ AmB©E_E\$ Ho$ A§VJ©V
g§»`m g§ñWmAm| H$s g§»`m Am¡a CZH$s VXZwê$nr ì`dgm` {ZåZmZwgma
h¡…
{ZOr gaH$mar Hw$b
228 23,518 23,746 • df© Ho$ Xm¡amZ 302 EZAmogr Omar {H$`o J`o&
{Q>ßnUr… Bg_| ñQ>¢S>-AbmoZ ñdmñÏ` ~r_mH$Vm©Am| Ûmam Omar H$s JB© gyú_ • 31 _mM© 2024 VH$ Hw$b 3,126 EZAmogr Omar {H$`o
~r_m nm{b{g`m± em{_b Zht h¢²&
J`o&
II.2.5 ~r_m {dnUZ \$_©
• df© Ho$ Xm¡amZ 85 n§OrH$aU à_mUnÌ Omar {H$`o J`o&
II.2.5.1 ~r_m {dnUZ \$_© (AmB©E_E\$Eg) ~r_m CËnmXm|
• 31 _mM© 2024 VH$ Hw$b 679 n§OrH$aU Omar {H$`o J`o&
H$s Anojm (g{b{gQ>oeZ) Am¡a àmnU H$aZo Ho$ {bE ^maVr`
~r_m {d{Z`m_H$ Ama¡ {dH$mg àm{YH$aU Ûmam {d{Z`{_V {dVaU
• df © H$o Xma¡ mZ AmBE© _E\$Eg H$o Ûmam Omar H$s JB © nm{b{g`m|
_mÜ`_ h¢²& A{V[aº$ ê$n go, `o AÝ`m| Ho$ ~rM ^maVr` à{V^y{V
H$s Hw$b g§»`m… 1,67,406
Am¡a {d{Z_` ~moS©> (go~r), ^maVr` [aµOd© ~¢H$ (Ama~rAmB©),
^maVr` n|eZ {Z{Y {d{Z`m_H$ Am¡a {dH$mg àm{YH$aU • Ego r nm{b{g`m | H$o Ûmam gJ§ h¥ rV H$wb àr{_`_… é. 223.60
H$amo‹S>
(nrE\$AmaS>rE), S>mH$ {d^mJ Ûmam {d{Z`{_V AÝ` {dÎmr`
CËnmXm| H$m {dVaU H$a gH$Vo h¢²& AmB©E_E\$Eg BÝh| BZ
Cº$ 679 n§OrH¥$V AmB©E_E\$Eg _| go, 470 n[aMmbZaV h¢
CËnmXm| H$m {dnUZ H$aZo Ho$ {bE bmBg|gàmá ì`{º$`m| H$mo
VWm eof 209 g{H«$` Zht h¢²&
{Z`mo{OV H$aZo Ho$ Ûmam àmá H$a gH$Vo h¢²& `o AmB©AmaS>rEAmB©
(~r_m {dnUZ \$_©) {d{Z`_, 2015 Ho$ A§VJ©V n§OrH¥$V {H$`o ~r_m {dnUZ \$_m] (AmB©E_E\$) H$m ì`mdgm{`H$
OmVo h¢²& H$m`©{ZînmXZ
EH$ Iwbr g§aMZm _mS>b Ho$ A§VJ©V n[aMmbZ H$aVo hþE,
AmB©E_E\$ OrdZ, gmYmaU, Am¡a ñdmñÏ` ~r_m g{hV {d{^Þ
joÌm| _| N>h ~r_m H§$n{Z`m| VH$ Ho$ gmW ^mJrXmar H$a gH$Vo h¢²&
BgHo$ A{V[aº$, AmB©E_E\$Eg H$mo ^maVr` H¥${f ~r_m H§$nZr
{b. (EAmB©gr) Am¡a {Z`m©V F$U Jma§Q>r {ZJ_ {b. (B©grOrgr)
Ho$ gmW Vmb_ob ì`dñWm H$aZo H$s AZw_{V h¡&
AmB©E_E\$Eg ì`dgm` H$s dm{UpÁ`H$ ì`dñWmAm| Ho$ AndmX
Ho$ gmW, d¡`{º$H$ `m IwXam AmYma na ~oMo OmZodmbo EH$
ì`mnH$ Xm`ao Ho$ CËnmX àñVm{dV H$a gH$Vo h¢, Omo gyú_, N>moQ>o II.2.6 gm_mÝ` bmoH$ godm Ho$ÝÐ Egnrdr
Am¡a _Pm¡bo CÚ_m| (E_EgE_B©Eg) VH$ gr{_V h¢²& Cº$
II.2.6.1 gm_mÝ` bmoH$ godm Ho$ÝÐ (grEggr) ^maV gaH$ma
AmB©E_E\$ _mÜ`_ H$m àmW{_H$ bú` J«m_rU joÌm| VH$ ~r_m
Ho$ {S>{OQ>b B§{S>`m H$m`©H«$_ Ho$ A§VJ©V ñWm{nV {H$`o J`o h¢
H$daoO H$m {dñVma H$aZm, Am¡a BgHo$ Ûmam Xoe _| g_mdoer
Am¡a BZH$m à~§Y grEggr B©-JdZ¤g g{d©goµO B§{S>`m {b{_Q>oS>
d¥{Õ _| A§eXmZ H$aZm h¡&
Ûmam {H$`m OmVm h¡& àm{YH$aU Zo àma§^ _| AmB©AmaS>rEAmB©
76 Annual Report 2023-24(gm_mÝ` godm Ho$ÝÐm| Ho$ Ûmam ~r_m godmE±) {d{Z`_, 2015 II.2.7 ~r_m do~ g§J«mhH$
Omar {H$`o Wo {OZH$mo ~mX _| AmB©AmaS>rEAmB© (gm_mÝ` bmoH$
II.2.7.1 ~r_m do~ g§J«mhH$m| H$m n`©dojU Am¡a {d{Z`_Z
gdo m H$oÝÐm |H$o Ûmam ~r_m gdo mE)± {d{Z`_, 2019 Ûmam à{VñWm{nV
H$aZo Ho$ {bE AmB©AmaS>rEAmB© (~r_m do~ g§J«mhH$) {d{Z`_,
{H$`m J`m Wm&
2017, 13 Aà¡b 2017 H$mo Omar {H$`o J`o Wo& BZ g§J«mhH$m|
H$mo AmZbmBZ Am¡a XÿañW {dnUZ _mÜ`_m| Ho$ Ûmam OrdZ,
df© 2023-24 Ho$ Xm¡amZ grnrEggr-Egdrnr _mÜ`_ Ho$
gmYmaU Am¡a ñdmñÏ` ~r_m CËnmX ~oMZo Ho$ {bE àm{YH¥$V
Ûmam H$m`©{ZînmXZ {ZåZmZwgma h¡… {H$`m J`m h¡& 31 _mM© 2024 H$s pñW{V Ho$ AZwgma, 29
à_m{UV ~r_m do~ g§J«mhH$ Wo& df© 2023-24 Ho$ {bE do~
• àmá Hw$b Z`m ì`dgm` àr{_`_… é. 511.9 H$amo‹S> g§J«mhH$ _mÜ`_ H$m H$m`©{ZînmXZ ZrMo àñVwV h¡…
• g§J¥hrV Hw$b ZdrH$aU àr{_`_ (OrdZ) : é. 1,858 do~ g§J«mhH$m| Ho$ Ûmam CËnÞ {H$`m J`m ì`dgm`
H$amo‹S>
• AmaEnr H$s g§»`m {OÝhm|Zo à{ejU àmá {H$`m h¡ Am¡a
narjm CÎmrU© H$s h¡ VWm {OZH$mo 2023-24 _| à_mUnÌ
Omar {H$`o J`o h¢ : 5,094
II.2.8 {~H«$s Ho$ÝÐ {dH«o$Vm (nrAmoEgnrEg)
• AmaEnr H$s g§»`m {OÝhm|Zo à{ejU àmá {H$`m h¡ Am¡a
II.2.8.1 Xoe _| ~r_m ì`dgm` H$s d¥{Õ H$mo gwgmÜ` ~ZmZo
narjm CÎmrU© H$s h¡ VWm {OZH$mo àma§^ go boH$a à_mUnÌ
VWm ~r_m ì`mnZ Am¡a ~r_m gKZVm _| d¥{Õ H$aZo Ho$ {bE
Omar {H$`o J`o h¢ : 1,05,742 AmB©AmaS>rEAmB© Zo AnZr {dH$mgmË_H$ H$m`©gyMr Ho$ ^mJ Ho$
ê$n _| {~H«$s Ho$ÝÐ {dH«o$VmAmo± g§~§Yr {Xem{ZX}e Omar {H$`o h¢²&
• drEbB©-BÝg. H$s g§»`m {OÝhm|Zo à{ejU àmá {H$`m h¡ nrAmoEgnr go EH$ Eogm ì`{º$ A{^àoV h¡ {OgHo$ nmg Ý`yZV_
Am¡a narjm CÎmrU© H$s h¡ VWm {OZH$mo 2023-24 _| Ah©VmE± h¢ VWm {OgZo nrAmoEgnr {Xem{ZX}em| _| {d{ZX©ï> ê$n
à_mUnÌ Omar {H$`o J`o h¢ : 22,899 _| à{ejU àmá {H$`m h¡ Am¡a narjm CÎmrU© H$s h¡ Ed§ Ho$db
Eogo CËnmXm| H$s Anojm (g{b{gQ>oeZ) Am¡a {dnUZ H$aVm h¡
• drEbB©-BÝg. H$s g§»`m {OÝhm|Zo à{ejU àmá {H$`m h¡
Omo AmB©AmaS>rEAmB© Ûmam {d{Z{X©ï> {H$`o J`o h¢²&
Am¡a narjm CÎmrU© H$s h¡ VWm {OZH$mo àma§^ go boH$a
à_mUnÌ Omar {H$`o J`o h¢ : 2,68,430 31 _mM© 2024 H$s pñW{V Ho$ AZwgma nrAmoEgnr H$s g§»`m
20,43,272 Wr&
gmaUr II.7: VXZwê$nr àm`moOH$ EO|{g`m| Ho$ nmg nrAmoEgnrEg H$s g§»`m
àm`moOH$ EO|gr àm`moOH$ EO|{g`m| H$s g§»`m nrAmoEgnr H$s g§»`m
~r_mH$Vm© 48 7,80,392
~r_m Xbmb 256 9,92,721
H$manmoaoQ> EO|Q> 62 2,70,159
Hw$b 366 20,43,272
Annual Report 2023-24 77II.2.9 _moQ>a ~r_m godm àXmVm go g§~Õ CZHo$ H$m`©H$bmnm| H$m {d{Z`m_H$ n`©dojU H$aZm
Wm&
II.2.9.1 AmB©AmaS>rEAmB© Zo _moQ>a ~r_m godm àXmVm
(E_AmB©Egnr) {Xem{ZX}e 2017 _| Omar {H$`o h¢ {OgH$m 31 _mM© 2024 H$s pñW{V Ho$ AZwgma n§OrH¥$V E_AmB©Egnr
CÔoí` _moQ>a ~r_m nm{b{g`m| Ho$ {dVaU Am¡a g{d©qgJ _| H$s g§»`m 25,206 Wr&
AmQ>mo_mo{Q>d {dH«o$VmAm| H$s ^y{_H$m H$mo _mÝ`Vm XoZm Am¡a ~r_m
gmaUr II.8 : {d{^Þ àm`moOH$ EO|{g`m| Ho$ gmW E_AmB©Egnr H$s g§»`m
àm`moOH$ EO|gr àm`moOH$ EO|{g`m| H$s g§»`m E_AmB©Egnr H$s g§»`m
~r_mH$V©H$m 19 9,499
~r_m Xbmb 27 15,336
H$manmoaoQ> EO|Q> 6 371
Hw$b 52 25,206
II.2.10 ~r_m ^§S>ma
do h¢ :
II.2.10.1 ~r_m ^S§ >ma ([anm{oOQ>ar) àUmbr Om o AmBA© maS>rEAmB© • EZEgS>rEb ZoeZb B§í`moa|g [anmo{OQ>ar
• grS>rEgEb B§í`moa|g [anmo{OQ>ar {b{_Q>oS>
Ûmam H$s JB© EH$ nhb h¡, H$m CÔoí` ~r_m nm{b{g`m| H$m
• grEE_Eg [anmo{OQ>ar g{d©goµO {b{_Q>oS>
A_yVuH$aU (S>r_oQ>r[a`bmBOoeZ) H$aZm h¡& Bgo àmá H$aZo Ho$
• H$mdu B§í`moa|g [anmo{OQ>ar {b{_Q>oS>
{bE AmB©AmaS>rEAmB© Zo df© 2011 _| ~r_m [anmo{OQ>[a`m| Am¡a
~r_m nm{b{g`m| Ho$ BboŠQ´>m{ZH$ {ZJ©_ Ho$ g§~§Y _| {Xem{ZX}e II.2.11 gd}jH$ Am¡a hm{Z {ZYm©aH$
Omar {H$`o& ~mX _| BZ {Xem{ZX}em| H$m g§emoYZ _B© 2015 _|
II.2.11.1 gd}jH$ Am¡a hm{Z {ZYm©aH$ (EgEbE) gmYmaU
{H$`m J`m& 31 _mM© 2024 H$s pñW{V Ho$ AZwgma, Hw$b 1.83
~r_m nm{b{g`m| go g§~§{YV Xmdm| Ho$ _yë`m§H$Z Am¡a {ZnQ>mZ _|
H$amo‹S> BboŠQ´>m{ZH$ ~r_m ImVm| (B©EbEEg) H$m {Z_m©U {H$`m
EH$ _hËdnUy © ^{y_H$m AXm H$aV o h&²¢ gdj} H$ Ama¡ hm{Z {ZYma© H$
J`m, Am¡a Aà¡b 2011 go 1.83 H$amo‹S> nm{b{g`m| H$mo
Ho$ ê$n _| H$m`© H$aZo Ho$ {bE, {H$gr ^r ì`{º$ Ho$ nmg
BboŠQ´>m{ZH$ nÕ{V _| n[ad{V©V {H$`m J`m& {dÎmr` df© 2023-
A{Zdm`©V… ^maVr` ~r_m {d{Z`m_H$ Am¡a {dH$mg àm{YH$aU
24 Ho$ Xm¡amZ 42.18 bmI B©EbE H$m {Z_m©U {H$`m J`m h¡ (AmB©AmaS>rEAmB©) Ûmam {d{Z{X©ï> e¡{jH$ Ah©VmE± hmoZr Mm{hE
Am¡a 46.52 bmI B©-~r_m nm{b{g`m± O_m H$s JB© h¢²& Am¡a Cgo ~r_m A{Y{Z`_, 1938 H$s Ymam 64`yE_ Ho$ AZwgma,
Adí` EH$ ì`mdgm{`H$ {ZH$m` AWm©V² ~r_m gd}jH$ Am¡a
31 _mM© 2024 H$s pñW{V Ho$ AZwgma, AmB©AmaS>rEAmB© Ûmam
hm{Z {ZYm©aH$ g§ñWmZ (AmB©AmB©AmB©EgEbE) H$m gXñ` hmoZm
AZw_mo{XV ~r_m ^§S>ma ([anmo{OQ>arµO) Mma h¢²&
Mm{hE²& VWm{n, AmB©AmB©AmB©EgEbE Ho$ nmg gXñ`Vm àmá
H$aZo _| Ag_W© AmdoXH$m| Ho$ {bE AmB©AmaS>rEAmB© (~r_m
gd}jH$ Am¡a hm{Z {ZYm©aH$) {dZ`_, 2015 Ho$ A§VJ©V Anrb
H$m EH$ Cn~§Y h¡& ~r_m A{Y{Z`_, 1938 H$s Ymam 42S>r Ho$
78 Annual Report 2023-24gmW n{R>V ~r_m {d{Z`m_H$ Ama¡ {dH$mg àm{YH$aU A{Y{Z`_, II.2.12 AÝ` nj à~§YH$ (Q>rnrE)
1999 H$s Ymam 2 H$s Cn-Ymam 1(M) Ûmam A{YXoemË_H$
II.2.12.1 31 _mM© 2024 H$s pñW{V Ho$ AZwgma, 19 g{H«$`
(_¢So>Q>ar) {H$`o J`o AZwgma, gd}jH$m| Am¡a hm{Z {ZYm©aH$m| Ho$
Q>rnrE Wo& df© 2023-24 Ho$ Xm¡amZ Xmo Z`o Q>rnrE AWm©V²
{bE A{Zdm`©V… AmB©AmaS>rEAmB© Ho$ nmg _Ü`d{V©`m| AWdm
~r_m _Ü`d{V©`m| Ho$ ê$n _| n§OrH¥$V hmoZm Mm{hE²& Ano{jV AŠZm hoëW B§í`moa|g Q>rnrE àmBdoQ> {b{_Q>oS> Am¡a qbH$-Ho$
e¡{jH$ Ah©VmE± Am¡a ì`mdgm{`H$ gXñ`Vm AmB©AmaS>rEAmB© B§í`moa|g Q>rnrE àmBdoQ> {b{_Q>oS> H$mo Q>rnrE Ho$ ê$n _| H$m`©
Ûmam {ZYm©[aV h¢, Ohm± CZ ì`{º$`m| Ho$ {bE Omo H$aZo Ho$ {bE AZw_{V Xr JB© Wr& Cº$ Q>rnrEEg Zo AnZo
AmBA© mBA© mBE© gEbE gXñ`Vm àmá Zht H$aV,o AmBA© maS>rEAmB©
ZQo >dH$m ] _ | 69,334 ñdmñÏ` gdo m H$ama OmS‹o >Z o H$o Ûmam AñnVmbm|
(~r_m gd}jH$ Am¡a hm{Z {ZYm©aH$) {d{Z`_, 2015 Ho$ A§VJ©V
Ho$ ZoQ>dH©$ H$m {dñVma {H$`m& 10,782 Ho$ àË`mhaU/{dbmonZ
Anrb H$m EH$ {dH$ën CnbãY h¡& ~r_m A{Y{Z`_, 1938
Ho$ ~mX Cº$ ZoQ>dH©$ _| H$amam| H$s g§»`m 31 _mM© 2024 H$mo
H$s Ymam 64`yE_ `h A{YXoemË_H$ (_¢So>Q>ar) ~ZmVm h¡ {H$
2.44 bmI Wr& Q>rnrE-dma ZoQ>dH©$ g‘Pm¡Vo AZw~§Y 11 ‘|
^maV _| K{Q>V hmoZodmbr {H$gr hm{Z Ho$ {bE Am¡a ^maV _|
{XE JE h¢&
{ZnQ>mZ H$s Anojm go `wº$ {H$gr ^r Xmdo H$mo, Ohm± Xmdo H$s
am{e AmB©AmaS>rEAmB© Ûmam Cº$ {d{Z`_m| _| {d{Z{X©ï> _yë` H$mo
II.2.13 ~r_m ì`dgm` Ho$ gmW g§~Õ ~r_m EO|Q>m| Am¡a
nyam H$aVr h¡ AWdm CgHo$ A{YH$ h¡, ~r_mH$Vm© Ûmam V~ VH$
_Ü`d{V©`m| H$m H$m`©{ZînmXZ
ñdrH$ma Zht {H$`m OmEJm AWdm CgH$m {ZnQ>mZ Zht {H$`m
OmEJm, O~ VH$ Cº$ hm{Z Ho$ g§~§Y _| EH$ [anmoQ>© {H$gr OrdZ ~r_m ì`dgm` _| ~r_m EO|Q>m| Am¡a _Ü`d{V©`m| H$m
bmBg|gàmá gd}jH$ Am¡a hm{Z {ZYm©aH$ go àmá Zht H$s OmVr&
H$m`©{ZînmXZ
Omar {H$`o J`o gd}jH$ Am¡a hm{Z {ZYm©aH$ bmBg|g
d¡`{º$H$ Z`m ì`dgm`
II.2.13.1 d¡`{º$H$ EO|Q> d¡`{º$H$ Z`o ì`dgm` Ho$ {bE
à_wI {dVaU _mÜ`_ Ho$ ê$n _| ~Zo hþE h¢²& VWm{n, d¡`{º$H$
Z`o ì`dgm` àr{_`_ _| d¡`{º$H$ EO|Q>m| Ho$ A§eXmZ _| 2022-
23 Ho$ 52.76 à{VeV H$s VwbZm _| df© 2023-24 Ho$ Xm¡amZ
gr_m§V ê$n go 50.90 à{VeV VH$ {JamdQ> AmB© h¡& gaH$mar
joÌ ~r_mH$Vm© Ho$ {bE, d¡`{º$H$ EO|Q> d¡`{º$H$ Z`o ì`dgm`
àr{_`_ _| 96 à{VeV Ho$ A§e Ho$ gmW {dVaU H$m à~b
_mÜ`_ h¢, O~{H$ {ZOr joÌ Ho$ A§VJ©V d¡`{º$H$ EO|Q> AnZo
d¡`{º$H$ Z`o ì`dgm` àr{_`_ Ho$ 22.69 à{VeV H$m A§eXmZ
H$aVo h¢²& d¡`{º$H$ Z`o ì`dgm` H$m Xÿgam àYmZ {dVaU _mÜ`_
Annual Report 2023-24 79H$manmoaoQ> EO|Q> h¢²& H$manmoaoQ> EO|Q>m| H$m A§eXmZ Omo 2022-23 gm_y{hH$ Z`m ì`dgm`
Ho$ Xm¡amZ 35.11 à{VeV na Wm, df© 2023-24 _| gr_m§V ê$n
II.2.13.3 àË`j {dH«$` Zo gm_y{hH$ ì`dgm` Ho$ {bE {dVaU
go KQ>H$a 35.05 à{VeV hmo J`m h¡& {ZOr OrdZ ~r_mH$Vm©Am|
Ho$ à_wI _mÜ`_ Ho$ ê$n _| Hw$N> {JamdQ> Xem©B©, na§Vw {dÎmr`
Ûmam àmá Z`o ì`dgm` àr{_`_ _| H$manmoaoQ> EO|Q>m| H$m A§e
df© 2023-24 Ho$ Xm¡amZ àr{_`_ Ho$ 82.74 à{VeV Ho$ A§e
2023-24 _| 55.12 à{VeV na C„oIZr` ahm (2022-23
Ho$ gmW `h {dVaU Ho$ EH$ àYmZ _mÜ`_ Ho$ ê$n _| Omar ahm&
_| 57.02 à{VeV)& Xÿgar Amoa, gaH$mar joÌ ~r_mH$Vm© Ho$
{dÎmr` df© 2022-23 _| VXZwê$nr A§e 84.55 à{VeV Wm&
d¡`{º$H$ Z`o ì`dgm` àr{_`_ _| H$manmoaoQ> EO|Q>m| H$m A§e
{dÎmr` df© 2023-24 Ho$ Xm¡amZ, Bg _mÜ`_ Zo {ZOr joÌ
2022-23 _| {dÚ_mZ 3.08 à{VeV go gr_m§V ê$n go KQ>H$a
~r_mH$Vm©Am| Am¡a gaH$mar joÌ ~r_mH$Vm© Ho$ gm_y{hH$ Z`o
2023-24 _| 2.96 à{VeV hþAm²&
ì`dgm` àr{_`_ Ho$ H«$_e… 54.94 à{VeV Am¡a 93.34
II.2.13.2 d¡`{º$H$ Z`o ì`dgm` Ho$ A§VJ©V ~r_mH$Vm©Am| Ho$ à{VeV H$m A§eXmZ {H$`m& {ZOr ~r_mH$Vm©Am| Ho$ gm_y{hH$
àË`j {dH«$` _mÜ`_ H$m A§e 2022-23 _| {dÚ_mZ 7.81 ì`dgm` Ho$ {bE EH$ Am¡a _hËdnyU© {dVaU _mÜ`_ H$manmoaoQ>
H$s VwbZm _| 2023-24 _| 9.91 à{VeV Wm& {dÎmr` df© EO|Q> ~¢H$ Wm& {dÎmr` df© 2023-24 Ho$ Xm¡amZ, ~¢H$m| Zo
2023-24 _| O~{H$ {ZOr ~r_mH$Vm©Am| Zo àË`j {dH«$` Ho$ {dÎmr` df© 2022-23 _| {dÚ_mZ {ZOr ~r_mH$Vm©Am| Am¡a
_mÜ`_ go AnZo Z`o ì`dgm` àr{_`_ H$m 16.11 à{VeV gaH$mar joÌ ~r_mH$Vm© Ho$ {bE {dÚ_mZ H«$_e… 19.73 à{VeV
àmá {H$`m, dht gaH$mar joÌ OrdZ ~r_mH$Vm©Am| Ûmam àË`j Am¡a 3.97 à{VeV H$s VwbZm _| {ZOr ~r_mH$Vm©Am| Am¡a
{dH«$` _| H$moB© ì`dgm` Zht {H$`m J`m& {dÎmr` df© 2023- gaH$mar joÌ ~r_mH$Vm© Ho$ _m_bo _| Hw$b gm_y{hH$ Z`o ì`dgm`
24 _| Xbmb _mÜ`_ Zo 3.06 à{VeV na A§eXmZ {H$`m, àr{_`_ Ho$ H«$_e… 22.94 à{VeV Am¡a 1.64 à{VeV H$m
{OgZo df© 2022-23 _| {dÚ_mZ 3.07 à{VeV go gr_m§V ê$n A§eXmZ {H$`m& {dÎmr` df© 2023-24 Ho$ Xm¡amZ, gaH$mar joÌ
go {JamdQ> Xem©B©²& AmZbmBZ {dH«$` _mÜ`_ Zo df© 2022-23 ~r_mH$Vm© Zo AnZo d¡`{º$H$ EO|gr ~b Ho$ Ûmam gm_y{hH$
_| {dÚ_mZ 0.84 à{VeV go gr_m§V ê$n go {JamdQ> Xem©Vo hþE ì`dgm` àr{_`_ H$m 4.91 à{VeV àmá {H$`m, O~{H$ {ZOr
df© 2023-24 _| 0.65 à{VeV H$m A§eXmZ {H$`m& gyú_ ~r_mH$Vm©Am| Zo AnZo _mÜ`_ Ho$ Ûmam 2.17 à{VeV àmá
~r_m (E_AmB©) EO|Q>m|, gm_mÝ` godm Ho$ÝÐm| (grEggrEg), {H$`m& Xbmb _mÜ`_ H$m A§eXmZ 2023-24 _| 2.11 à{VeV
~r_m do~ g§J«mhH$m|, ~r_m {dnUZ \$_m] (AmB©E_E\$) Am¡a VH$ ~‹T>m, Omo gm_y{hH$ ì`dgm` Ho$ A§VJ©V CÚmoJ Ho$ Z`o
{~H«$s Ho$ÝÐ (nrAmoEg) _mÜ`_m| Zo EH$gmW {_bH$a d¡`{º$H$ ì`dgm` àr{_`_ _| 2022-23 _| 1.67 à{VeV Wm (gmaUr
Z`o ì`dgm` àr{_`_ _| 2022-23 _| {dÚ_mZ 0.41 à{VeV II.13)&
Ho$ _wH$m~bo 2023-24 _| 1 à{VeV go H$_ (0.42 à{VeV)
A§eXmZ {H$`m (gmaUr II.13)&
80 Annual Report 2023-24gmaUr II.9 : OrdZ ~r_m _| _Ü`d{V©`m| H$m ì`mdgm{`H$ H$m`©{ZînmXZ (2023-24)
(Am§H$‹S>o àr{_`_ Ho$ à{VeV _|)
H«$_ d¡`{º$H$ Z`m ì`dgm` gm_y{hH$ Z`m ì`dgm`
g§. _Ü`dVu H$m àH$ma {ZOr gaH$mar CÚmoJ {ZOr gaH$mar CÚmoJ
joÌ joÌ joÌ joÌ
1 d¡`{º$H$ EO|Q> 22.69 96.00 50.90 2.17 4.91 4.15
2 H$manmoaoQ> EO|Q> ~¢H$ 51.98 2.85 33.07 22.94 1.64 7.52
3 H$manmoaoQ> EO|Q> AÝ` 3.14 0.11 1.98 11.77 0.01 3.26
4 Xbmb 4.85 0.21 3.06 7.38 0.10 2.11
5 àË`j ì`dgm` 16.11 0.00 9.91 54.94 93.34 82.74
6 gyú_ ~r_m (E_AmB©) EO|Q> 0.01 0.23 0.09 0.80 0.00 0.22
7 gm_mÝ` godm Ho$ÝÐ (grEggr) 0.01 0.29 0.12 0.00 0.00 0.00
8 do~ g§J«mhH$ 0.02 0.00 0.01 0.00 0.00 0.00
9 ~r_m {dnUZ \$_© (AmB©E_E\$) 0.17 0.16 0.16 0.00 0.00 0.00
10 AmZbmBZ 0.96 0.15 0.65 0.00 0.00 0.00
11 {~H«$s Ho$ÝÐ (nrAmoEg) 0.06 0.01 0.04 0.00 0.00 0.00
Hw$b ì`dgm` 100.00 100.00 100.00 100.00 100.00 100.00
{Q>ßnUr…
1. Z`o ì`dgm` àr{_`_ _| àW_ df© àr{_`_ Am¡a EH$b àr{_`_ em{_b h¢²&
""ghmam B§{S>`m bmB\$ B§í`moa|g H§$nZr {b. (EgAmB©EbAmB©gr) H$m OrdZ ~r_m ì`dgm` AmB©AmaµS>rEAmB© Ûmam CZHo$ AmXoe {XZm§H$ 2.6.2023 Ho$ AZwgma
Eg~rAmB© bmB\$ B§í`moa|g H§$nZr {b. (Eg~rAmB© bmB\$) H$mo A§V[aV {H$`m J`m h¡ VWm {dÎmr` df© 2023-24 Ho$ {bE Cn`w©º$ So>Q>m / gyMZm _| EgAmB©EbAmB©gr
go g§~§{YV So>Q>m / gyMZm em{_b Zht H$s JB© h¡&''
Annual Report 2023-24 81gmYmaU ~r_mH$Vm©Am| Ho$ gmW g§~Õ ~r_m EO|Q>m| Am¡a H$manmoaoQ> EO|Q>m| H$m A§eXmZ àr{_`_ H$m 9.4 à{VeV h¡& g^r
_Ü`d{V©`m| H$m H$m`©{ZînmXZ AÝ` _mÜ`_m| Zo EH$gmW {_bH$a àr{_`_ Ho$ eof 8.8 à{VeV
H$m A§eXmZ {H$`m h¡& gaH$mar joÌ gmYmaU ~r_mH$Vm©Am| Ho$
II.2.13.4 df© 2023-24 _| gmYmaU ~r_mH$Vm©Am| Ho$ {bE
{bE, d¡`{º$H$ EO|Q> (32.3 à{VeV) Am¡a CZHo$ ~mX Xbmb
ì`dgm` Ho$ {dVaU Ho$ {d{^Þ _mÜ`_m| Ho$ ~rM, Xbmb _mÜ`_
(32.1 à{VeV) Am¡a àË`j (31.1 à{VeV) {dVaU Ho$ à_wI
Zo 37.1 à{VeV àr{_`_ Ho$ gmW ~‹S>o ^mJ H$m A§eXmZ {H$`m
_mÜ`_ h¢ O~{H$ {ZOr joÌ gmYmaU ~r_mH$Vm©Am| Ho$ {bE,
h¡ {OgHo$ ~mX H«$_e… 25.6 à{VeV Am¡a 20.1 à{VeV Ho$
Xbmb (42.4 à{VeV) Am¡a àË`j {dH«$` (23.6 à{VeV)
gmW àË`j {dH«$` _mÜ`_ Am¡a d¡`{º$H$ EO|Q>m| H$m ñWmZ h¡&
{dVaU Ho$ à_wI _mÜ`_ h¢²&
gmaUr II.10: gmYmaU ~r_mH$Vm©Am| Ho$ gmW g§~Õ ~r_m EO|Q>m| Am¡a _Ü`d{V©`m|
H$m ì`mdgm{`H$ H$m`©{ZînmXZ (2023-24)
(Am§H$‹S>o àr{_`_ Ho$ à{VeV _|)
gaH$mar ZOr {jÌ gmhr {deofrH¥$V Hw$b
{dVaU _mÜ`_
joÌ H$mo N>mo‹S>H$a ~r_mH$Vm©
1. d¡`{º$H$ EO|Q> 32.3 14.4 0.0 20.1
2. H$ H$manmoaoQ> EO|Q> ~¢H$ 0.7 9.1 0.0 5.7
2. I H$manmoaoQ> EO|Q> - AÝ` 0.2 5.9 0.0 3.7
H$manmoaoQ> EO|Q> (Hw$b) 0.9 15.1 0.0 9.4
3. Xbmb 32.1 42.4 3.8 37.1
4. H$ àË`j ì`dgm`-B§Q>aZoQ> 0.5 1.7 0.2 1.2
4. I àË`j ì`dgm`-B§Q>aZoQ> H$mo N>mo‹S>H$a AÝ` 30.6 21.8 9.4 24.4
àË`j ì`dgm` (Hw$b) 31.1 23.6 9.6 25.6
5. gyú_ ~r_m EO|Q> 0.0 0.0 0.1 0.0
6. AÝ` 3.6 4.5 86.5 7.8
Hw$b Omo‹S> 100.0 100.0 100.0 100.0
82 Annual Report 2023-24ñdmñÏ` ~r_m àr{_`_ _| Xbmbm| H$m A§e 50 à{VeV na Cƒ
II.2.13.5 ñdmñÏ` ~r_m nm{b{g`m| Ho$ {dVaU Ho$ {bE {d{^Þ
ahm&
_mÜ`_m| Ho$ ~rM, d¡`{º$H$ EO|Q>m| Zo 30 à{VeV na Hw$b
ñdmñÏ` ~r_m àr{_`_ _| ~‹S>o ^mJ H$m A§eXmZ {H$`m& Bg
gaH$mar ì`dgm` Ho$ eV à{VeV Am¡a Hw$b ñdmñÏ` ~r_m
_mÜ`_ H$m A§e d¡`{º$H$ ñdmñÏ` ~r_m àr{_`_ _| 72 à{VeV
àr{_`_ Ho$ bJ^J 27 à{VeV H$mo ~r_mH$Vm©Am| Zo àË`j ê$n
na Cƒ ahm& ñdmñÏ` ~r_m ì`dgm` Ho$ {dVaU Ho$ {bE Xÿgam
go àmá {H$`m& ~¢Ho$í`moa|g _mÜ`_ Zo Hw$b ñdmñÏ` ~r_m àr{_`_
_hËdnyU© _mÜ`_ Xbmb h¡, {OgZo Hw$b ñdmñÏ` ~r_m àr{_`_
Ho$ Zm¡ à{VeV H$m Am¡a AmZbmBZ {dH«$` _mÜ`_ Zo Hw$b
Ho$ 29 à{VeV H$m A§eXmZ {H$`m& Xbmbm| H$m A§e gm_y{hH$
ñdmñÏ` ~r_m àr{_`_ Ho$ Xmo à{VeV H$m A§eXmZ {H$`m&
gmaUr II.11: ñdmñÏ` ~r_m (d¡`{º$H$ XþK©Q>Zm Am¡a `mÌm H$mo N>mo‹S>H$a) _| _Ü`d{V©`m| Am¡a ~r_m EO|Q>m|
H$m ì`mdgm{`H$ H$m`©{ZînmXZ
H«$. gaH$mar gm_y{hH$ d¡`{º$H$ Hw$b
{dVaU _mÜ`_
g§. ì`dgm` ì`dgm` ì`dgm`
1 d¡`{º$H$ EO|Q> - 3.58 72.32 29.73
2 H$manmoaoQ> EO|Q>
i. ~¢H$ - 12.41 6.33 8.85
ii. AÝ` - 5.59 1.09 3.31
3 Xbmb - 49.64 9.46 29.30
4 àË`j {dH«$`
i. AmZbmBZ - 0.30 3.90 1.65
ii. AmZbmBZ go BVa 100.00 28.37 5.82 26.67
5 gyú_ ~r_m EO|Q> - 0.09 0.00 0.05
6 gm_mÝ` godm Ho$ÝÐ - 0.00 0.01 0.01
7 do~ g§J«mhH$ - 0.01 0.14 0.06
8 ~r_m {dnUZ \$_© - 0.02 0.22 0.09
9 {~H«$s Ho$ÝÐ - 0.00 0.71 0.28
Hw$b 100.00 100 100 100
{Q>ßnUr: Am§H$‹S>o à{VeV ‘o h¢&
Annual Report 2023-24 83àr{_`_ H$m à{VeV
II.3 ~r_m {ejU go g§~Õ ì`mdgm{`H$ g§ñWmZ II.3.1.2 g§ñWmZ Zo OrdZ ~r_m, gmYmaU ~r_m Am¡a nwZ~u_m
_| amï´>r` Am¡a A§Vaamï´>r` gh^m{J`m| Ho$ gmW àmg§{JH$ {df`m|
II.3.1 ~r_m Ama¡ Ompo I_ à~Y§ gñ§ WmZ (AmBA© mBA© maE_)
na à{ejU H$m`©H«$_m| H$m g§MmbZ {H$`m h¡& g§ñWmZ Zo CZ
II.3.1.1 AmB©AmaS>rEAmB© Ûmam gh-àd{V©V AmB©AmB©AmaE_ H$maH$m| H$s nhMmZ H$aZo Ho$ {bE EH$ AÜ``Z ^r g§Mm{bV
{H$`m h¡ Omo N>ÎmrgJ‹T> amÁ` _| ~r_m ì`mnZ _| ~mYm S>mb aho
H$mo ~r_m joÌ Ho$ {bE, Omo AZoH$ {d{Z`m_H$ nhbm| Ho$ H$maU
h¢ VWm ~r_m joÌ Ho$ {dH$mg _| ~¢Ho$í`moa|g _mÜ`_ H$s ^y{_H$m
~‹S>o n¡_mZo na ~Xbmdm| go JwOa ahm h¡, Hw$ebVmàmá _mZd
na EH$ Am¡a AÜ``Z H$m ^r g§MmbZ {H$`m h¡&
g§gmYZ CnbãY H$amZo H$m Xm{`Ëd gm¢nm J`m h¡& 2023-24
Ho$ Xm¡amZ, Bg g§ñWmZ Zo ~r_m ì`dgm{``m| Am¡a N>mÌm| Ho$ ~rM
II.3.1.3 ~r_m jÌo H$B © gJ§ R>Z AnZ o Amdí`H$VmZêw $n An{ojV
à{ejU, AZwg§YmZ Am¡a ~r_m OmJê$H$Vm H$mo àmW{_H$Vm XoZm
à{ejU H$m`©H«$_m| Ho$ {bE g§ñWmZ go g§nH©$ H$a aho h¢ VWm
Omar aIm h¡&
AnZo à{V^m-g_yh Ho$ H$m¡eb H$mo ~‹T>m aho h¢²& CÚmoJ Ûmam
CÚmoJ-AH$mX{_H$ gh`moJ Zo Am¡a J{V nH$‹S>r& nhbo H$X_ Ho$ _hËdnyU© ^y{_H$mAm| Ho$ {bE AmB©AmB©AmaE_ go N>mÌm| H$s
ê$n _|, AmB©AmB©AmaE_ Zo "_§WZ' Ho$ qWH$ Q>¢H$ H$m`©H«$_ Ho$ ^Vu H$aZm Omar h¡ Omo CgHo$ nrOrS>rE_ N>mÌm| Ho$ bJ^J 100
Xm¡amZ ~r_m H§$n{Z`mo go g§nH©$ {H$`m Am¡a 2047 VH$ "g^r Ho$ à{VeV ñWmZZm| _| à{Vq~{~V h¡& ~r_m§{H$H$ {dkmZm| _| loð>Vm
{bE ~r_m' {_eZ H$mo àmá H$aZo H$s {Xem _| CÚmoJ H$mo AnZr Ho$ EH$ {dÚmb` H$s ñWmnZm H$aZo Ho$ {bE à`mg ^r 2023-
godmAm| H$m JwbXñVm noe {H$`m& ~r_m joÌ Ho$ H$B© g§JR>Z 24 Ho$ Xm¡amZ AmB©AmB©AmaE_ ~moS©> go _mJ©Xe©Z àmá H$aVo hþE
AnZo AZwHy${bV à{ejU H$m`©H«$_m| Am¡a AnZr à{V^mAm| H$mo AmJo nwZ… AZwàm{UV {H$`o J`o h¢²&
{ZImaZo Ho$ {bE AmB©AmB©AmaE_ go g§nH©$ H$a aho h¢²& BZ_| go
Hw$N> h¢; II.3.1.4 g_rjmYrZ df© Ho$ Xm¡amZ, g§ñWmZ Zo kmZ Ho$
^mJrXma Ho$ ê$n _| B§{S>`Z ñHy$b Amµ\$ {~OZog (AmB©Eg~r),
a) ^maV gaH$ma H$o Am{WH© $ _m_bm | H$o {d^mJ H$o A{YH$m[a`m|
h¡Xam~mX Ho$ gmW g_Ýd` H$aVo hþE, AmB©AmaS>rEAmB© Ho$ àdoe
Ho$ {bE [aQ´>rQ> H$m`©H«$_&
ñVa Ho$ H$_©Mm[a`m| Ho$ {bE EH$ Mma-_hrZo H$s Ad{Y dmbo
b) ~¢H$Eí`moa|g à{ejU H$m`©H«$_& àdoe nmR>çH«$_ H$mII g§MmbZ {H$`m Wm& Cº$ H$m`©H«$_ H$s
c) _mBH«$moB§í`moa|g EŠgoboaoQ>a H$m`©H«$_& {deofVm H$jm _| gÌm|, CÚmoJ H$s J{V{d{Y g§~§Yr ì`mdhm[aH$
d {H«$`merb (h¢S²g AmZ) EŠgnmoµOa, n[a`moOZmAm| Ho$ g§~§Y
d) à~§YZ à{ejwAm| Ho$ {bE à{ejU H$m`©H«$_
_| ñd-AÜ``Z VWm CÚmoJ Ho$ erf©ñW {deofkm|,
84 Annual Report 2023-24{d{Z`_ZH$Vm©Am|, Am¡a ~r_m ì`dgm{``m| Ho$ gmW nañna hþAm h¡& g§ñWmZ {ejm{dXm|/ì`dgm{``m| go AmboI/emoY-nÌ
g{H«$`Vm (B§Q>aEoŠeZ) Ho$ _mÜ`_ go CXr`_mZ ì`dgm{``m| H$s ^r Am_§{ÌV H$aVm h¡ VWm Xr OZ©b Ho$ Ì¡_m{gH$ A§H$m| _|
A{^_wIVm ahr& àH$m{eV H$aVm h¡ Omo ì`mnH$ Xm`ao _| ~r_m Am¡a g§~Õ joÌm| go
g§~§{YV {df`m| H$mo gpå_{bV H$aVo h¢²&
II.3.2 ^maVr` ~r_m g§ñWmZ (AmB©AmB©AmB©)
II.3.3 ^maVr` ~r_m gd}jH$ Am¡a hm{Z {ZYm©aH$ g§ñWmZ
II.3.2.1 ^maVr` ~r_m g§ñWmZ (AmB©AmB©AmB©) ~r_m {ejU, (AmB©AmB©AmB©EgEbE)
à{ejU Am¡a {dH$mg Ho$ joÌ _| {nN>bo 69 dfm] go H$m`© H$a
ahm h¡& Bg g§ñWmZ H$mo ^maV, gmH©$ Xoem| Am¡a AZoH$ AÝ` II.3.3.1 ^maVr` ~r_m gd}jH$ Am¡a hm{Z {ZYm©aH$ g§ñWmZ
~r_m ~mOmam| _| ~r_m {ejU Am¡a à{ejU _| EH$ AJ«Ur Ho$ (AmB©AmB©AmB©EgEbE) ~r_m A{Y{Z`_, 1938 H$s Ymam
ê$n _| ^br ^m±{V _mÝ`Vm àmá h¡ VWm Bg g§ñWmZ Zo ~r_m 64`yE_ Ho$ AZwgma gd}jH$m| Am¡a hm{Z {ZYm©aH$m| H$m EH$
{ejm{dXm| Am¡a ì`mdgm{`H$Vm Ho$ {Z_m©U Am¡a {dH$mg _| CÚmoJ ì`mdgm{`H$ {ZH$m` h¡& `h g§ñWmZ AmB©AmaS>rE A{Y{Z`_,
H$s ghm`Vm H$s h¡& 1999 H$s Ymam 14(2)(M) Ho$ AYrZ AmB©AmaS>rEAmB© Ûmam
àd{V©V {H$`m J`m Wm VWm H§$nZr A{Y{Z`_, 2013 H$s Ymam
II.3.2.2 ^maVr` ~r_m g§ñWmZ (AmB©AmB©AmB©) d¡{œH$ ~r_m 8 Ho$ AYrZ {ZJ{_V {H$`m J`m Wm& Bg g§ñWmZ H$s ñWmnZm
{ejU g§ñWmZ (AmB©OrAmB©B©) H$m gXñ` h¡ VWm H$B© AÝ` {ejU Am¡a à{ejU Ho$ _mÜ`_ go gd}jH$m| Am¡a hm{Z {ZYm©aH$m|
à{V{ð>V d¡{œH$ g§ñWmZm| Am¡a g§Km| Ho$ gmW BgH$s {MaH$m{bH$ Ho$ ì`dgm` _| JwUdÎmm H$m g§dY©Z H$aZo, AnZo gXñ`m| Ho$
g§~ÕVm ahr h¡& BgHo$ gmW hr, {dœ ^a _| ~r_m à{ejU ~rM gdm}Îm_ nÕ{V`m| H$mo àma§^ H$aZo H$s gw{dYm àXmZ H$aZo,
g§ñWmZm| Am¡a narjm {ZH$m`m| Ho$ gmW BgHo$ ì`mdgm{`H$ g§~§Y VWm AnZo gXñ`m| Ho$ H$m¡eb Am¡a kmZ H$mo CÞV H$aZo Ho$ {bE
h¢²& CZHo$ ~rM VH$ZrH$s gyMZm H$m àgma H$aZo Ho$ {bE H$s JB© h¡&
BgH$m CÔoí` hm{Z {Z`§ÌU Am¡a AënrH$aU VH$ZrH$m| Am¡a
II.3.2.3 g§ñWmZ Ho$ Ûmam g§Mm{bV AJ«Ur narjmE± h¢,
Cnm`m| _| AZwg§YmZ Am¡a AÜ``Z H$mo ~‹T>mdm XoZm VWm ~r_m
bmBg|{gEQ>, Agmo{gEQ> Am¡a \o$bmo{en à_mUnÌ narjmE±²& df©
CÚmoJ Am¡a Am_ OZVm Ho$ gmW Bgo gmPm H$aZm Ed§
2023-24 H$o Xma¡ mZ, gñ§ WmZ Z o 2301 narjm{W`© m | H$m o Agm{ogEQ>
Cn`moJH$Vm©Am| Am¡a Cn^moº$mAm| H$s godm _| gwYma Ho$ {bE ZB©
à_mUnÌ àXmZ {H$`o VWm \o$bmo{en 1837 narjm{W©`m| H$mo
VH$ZrH$m| Ho$ à`moJ Ho$ g§~§Y _| AnZo gXñ`m| H$mo AÚVZ
àXmZ {H$`m J`m& df© Ho$ Xm¡amZ, g§ñWmZ Zo {d{^Þ _Ü`d{V©`m|
OmZH$mar XoZm h¡& BgHo$ Abmdm, `h gd}jH$m| Am¡a hm{Z
Ho$ _mÜ`_m| Ho$ {bE {d{^Þ à{ejU H$m`©H«$_m| Am¡a ^Vu-nyd©
{ZYm©aH$m| Ho$ ì`dgm` go Ow‹S>o gXñ`m| Am¡a AÝ` bmoJm| Ho$
narjmAm| H$m g§MmbZ {H$`m h¡& Bg g§ñWmZ H$mo S>mH$ OrdZ
Cn`moJ Am¡a bm^ Ho$ {bE _mJ©Xe©Z ZmoQ²g, AZwXoe _¡ZwAb,
~r_m {ZXeo mb` Ûmam CZH$o {dH$«`-~b H$s narjm Ama¡ à{ejU
n{ÌH$mE± {ZH$mbZo Ho$ {bE ^r CÎmaXm`r h¡&
H$m g§MmbZ H$aZo Ho$ {bE àm{YH¥$V {H$`m J`m h¡&
II.3.4 ~r_m gyMZm ã`yamo (AmB©AmB©~r)
II.3.2.4 2023-24 Ho$ Xm¡amZ, ^maV Am¡a {dXoem| go Hw$b
5720 gh^m{J`m| Zo g§ñWmZ Ho$ ~r_m à{ejU _hm{dÚmb` II.3.4.1 AmBA© mB~© r H$m àmX^þ md© ~r_mH$VmA© m | H$o ~rM _ëy `dmZ
Ûmam Am`mo{OV {d{^Þ à{ejU H$m`©H«$_m| _| ^mJ {b`m h¡& So>Q>m Ho$ VËH$mb {d{Z_`, ^{dî`gyMH$ d¡ûco{fH$s, Am¡a
YmoImY‹S>r Ho$ Ý`yZrH$aU _| VËH$mb ghm`Vm Ho$ {bE EH$
II.3.2.5 N>mÌ g_wXm` Ho$ ~rM ~r_m {ejU H$mo ì`má H$aZo
~¥hÎm_ ßboQ>\$m_© Ho$ ê$n _| hþAm h¡& AmB©AmB©~r Zo CÚmoJ H$s
Ho$ {bE, 32 {d{^Þ _hm{dÚmb`m|/ {dœ{dÚmb`m| Ho$ gmW
~‹T>Vr hþB© Amdí`H$VmAm| H$mo nyam H$aZo Ho$ {bE n`m©á ê$n go
AmBA© mBA© mB © H$s Vmb_bo ì`dñWmE ± (Q>mB-© An) h&²¢ `h gñ§ WmZ
àm¡Úmo{JH$s Am¡a ZoV¥Ëd _| AnZo g§gmYZm| H$mo _O~yV H$a {b`m
CÚmoJ Ho$ gh^m{J`m| Ho$ gmW `yQ>çy~ na AWm©V² BZgo {_{b`o,
h¡&
_mBbñQ>moÝg Am¡a ~r_m dmVm©bmn Ho$ E{ngmoS>m| _| CÚmoJ Ho$
Zm_r ì`{º$`m| go AënH$m{bH$ gmjmËH$mam| Ho$ _mÜ`_ go Ow‹S>m 2023-24 Ho$ Xm¡amZ, AmB©AmB©~r Zo CÚmoJ H$mo {ZåZ{bpIV
CËnmX CnbãY H$am`o h¢ :
Annual Report 2023-24 85gmaUr II.12: AmB©AmB©~r Ho$ CËnmX
I§S> CËnmX H$m CËnmX H$m C„oIZr`
Zm_ CÔoí` CnbpãY`m±
OrdZ ~r_m ¹o$ñQ> VËH$mb OmopI_-A§H$Z 14.4 H$amo‹S> A{^boIm| H$m ^§S>maU {H$`m J`m Am¡a 5.4 H$amo‹S>
Am¡a Xmdm ImoO gmYZ àý àñVwV {H$`o J`o& Cº$ _mS>çyb Zo nm±M dfm] _| é.1.73 bmI
H$amo‹S> H$s ~r_mH¥$V am{e go g§~Õ 3.01 bmI _m_bm| H$s YmoImY{‹S>`m|
H$s nhMmZ H$aZo _| ghm`Vm H$s&
{àµÁ_ ^{dî`gyMr OrdZ `h _mS>b g§^m{dV ê$n go A_mÝ` (~¡S>) OrdZm| H$s nhMmZ H$aZo
OmopI_ ñH$mo[a¨J _mS>b _| ghm`Vm H$aVm h¡& {nN>bo Mma dfm] _| Cº$ _mS>çyb _| Hw$b 4.23
H$amo‹S> àý {H$`o J`o J`o h¢²&
àmdog {Za§VaVm _mS>b `h _mS>b g§^m{dV ê$n go g_`nyd© g_mnZ Ho$ {bE gdm©{YH$
Agwa{jV àñVmdm|/nm{b{g`m| na Ü`mZ XoZo _| Oramo-BZ H$s ghm`Vm
H$aVm h¡& EnrAmB© AmYm[aV àý H$aZo (¹o$arB§J) H$s gw{dYm Xr
JB© h¡&
B§H$qbJ AXmdr am{e`m| H$s é.9,000 H$amo‹S> am{e Ho$ Xmo dfm] _| {H$`o J`o Mma bmI àým| na
{ZH$mgr Ho$ {bE bJ^J 80,000 AXmdr _m_bm| Ho$ {bE g§nH©$ Ho$ d¡H$pënH$
ã`moao {X`o
_moQ>a gwXe©Z OmopI_-A§H$Z, Xmdm| EnrAmB© Ho$ _mÜ`_ go CnbãY Am¡a ImoO n§OrH$aU `m M¡{gg Z§~a
Am¡a YmoImY‹S>r Ý`yZrH$aU na AmYm[aV h¡& Ho$db ImoO gmYZ hr Zht, ~pëH$ OmopI_-
Ho$ {bE VËH$mb ImoO AmYm[aV H$s_V-{ZYm©aU go A{YH$, CƒVa OmopI_m| go `wº$ {ZOr
gmYZ H$mam| H$s nhMmZ H$aZo Am¡a So>Q>m-AmYm[aV {ZU©`Z _| ghm`Š&
Bg _mS>çyb _| Hw$b 7.5 H$amo‹S> ImoO| H$s JB© h¢²&
CX`Z dmhZ H$m ã`moam àmá EnrAmB© Ho$ Ûmam CnbãY VWm OmopI_-A§H$Z Am¡a Xmdm {ZnQ>mZ
H$aZo Ho$ {bE à{H«$`m Ho$ Xm¡amZ dmhZ g§~§Yr 25 {ddaU CnbãY H$amVm h¡
VËH$mb gmYZ
A¾r AmB©àmU g§n{Îm OmopI_ {dûcofH$ OmopI_-A§H$ZH$Vm© H$mo {nN>bo 5 dfm] Ho$ {bE A{¾ ~r_m àmo\$mBb
g_PZo Ho$ {bE ~hþ{dY g§`moOZm| Ho$ gmW EH$ OmopI_ {S>pñQ´>ŠQ> H$m
M`Z H$aZo Ho$ {bE g_W©H$ ~ZmVm h¡
{H$gr OmopI_ {S>pñQ´>ŠQ> Ho$ OmopI_-A§H$Z Am¡a Xmdm àmo\$mBb H$mo
àH$Q> H$aVm h¡ Am¡a ~r_mH¥$V OmopI_m| H$s ì`mdgm{`H$ g§^mì`Vm
H$mo {Z{X©ï> H$aVm h¡&
AmB©Xn©U A{¾ ~r_m g§{d^mJ Ho$ Vm¡a na H$manmoaoQ> J«mhH$ Ho$ OmopI_
àmo\$mBb H$m {ZYm©aU
ñdmñÏ` ñdmñÏ` ~r_m ñdmñÏ` ~r_m nmoQ>©-BZ Am¡a nmoQ>©-AmCQ> ~r_mH$Vm©Am| Ho$ ~rM AmdoXH$ H$s nm{bgr,
gwdmøVm gwdmøVm gmYZ gXñ` Am¡a Xmdm g§~§Yr gyMZm Ho$ {d{Z_` H$mo g_W© ~ZmVm h¡
5 bmI {hQ>m| _| n[aUV
~r_m gVH©$ VËH$mb g_pÝdV g§{X½Y ì`{º$`m|/g§ñWmAm| Ho$ g§~§Y _| g{H«$` ê$n go g§Ho$V H$aZo Ho$
YmoImY‹S>r d¡ûco{fH$s {bE EnrAmB©Eg Ho$ _mÜ`_ go nyd© MoVmdZr àUmbr àoaUmE± CËnÞ
ßboQ>\$m_© H$aVm h¡
amo{hUr ~r_m Ho$ ZoQ>dH©$ _| AñnVmbm| Am¡a So>-Ho$`a Ho$ÝÐm| H$s {d{Y_mÝ`H¥$V [anmo{OQ>ar&
AñnVmbm| H$s a{OñQ´>r YmoImY{‹S>`m| H$m {Z`§ÌU H$aZo _| ñdmñÏ` ~r_mH$Vm©Am| Ho$ {bE
Cn`moJr
86 Annual Report 2023-24II.4 dmX, Anrb| Am¡a Ý`m`b`m| Ho$ {ZU©`
Am¡a bmoH$ AXmbV (Ohm± AmB©AmaµS>rEAmB© EH$ njH$ma h¡) Ho$
II.4.1 2023-24 Ho$ Xm¡amZ CƒV_ Ý`m`mb`, {d{^Þ Cƒ g_j Xm`a _m_bm| Ho$ Vm¡a na dmXm| Ed§ {ZnQ>m`o J`o/Im[aO
Ý`m`mb`m,| à{V^{yV Anrbr` Ý`m`m{YH$aU (EgEQ>r), {g{db {H$`o J`o _m_bm| H$m {ddaU ZrMo H$s gma{U`m| _| àñVwV h¡…
Ý`m`mb`m|, _moQ>a XþK©Q>Zm Xmdm Ý`m`m{YH$aU (E_EgrQ>r),
gmaUr II.13: 2023-24 Ho$ Xm¡amZ XO© _m_bm| H$m {ddaU
H«$. Xm`a {H$`o J`o OrdZ J¡a- ñdmñÏ` _Ü`dVu {dÎm nrnrOr Hw$b
g§. _m_bm| H$m {ddaU OrdZ > Ama
1. CƒV_ Ý`m`mb` - - 2 - - 2 4
2. {d{^Þ Cƒ Ý`m`mb`m| _| XmpIb
H$s JB© [aQ> `m{MH$mE± 1 6 6 11 2 77 103
3. à{V^y{V Anrbr` Ý`m`m{YH$aU - - - - - 1 1
4. Cn^moº$m _m_bo (S>rgrE\$+
EggrS>rAmagr+EZgrS>rAmagr) - - - - - 52 52
5. {g{db, bmoH$ AXmbV
E_EgrQ>r _m_bo - 1 - - 10 11 -
6. EZgrEbQ>r/EZgrEbEQ>r - - - 2 - 3 5
Hw$b 1 6 8 14 8 139 176
gmaUr II.14: 2023-24 Ho$ Xm¡amZ {ZnQ>m`o J`o / Im[aO {H$`o J`o _m_bm| H$m {ddaU…
H«$. {ddaU J¡a- EMAma ñdmñÏ` nrnrOr OrdZ _Ü`dVu E\$EÊS Hw$b
g§ OrdZ Ama AmB©
1. CƒV_ Ý`m`mb` 5 - - - 1 - 1 7
2. {d{^Þ Cƒ Ý`m`mb`m|
_| {ZnQ>mB© JB© [aQ> `m{MH$mE± - 1 5 34 - 7 - 47
3. à{V^y{V Anrbr`
Ý`m`m{YH$aU - - - - - 1 - 1
4. Cn^moº$m _m_bo (S>rgrE\$+
EggrS>rAmagr+EZgrS>rAmagr) - - - 18 - - - 18
5. {g{db, bmoH$ AXmbV
E_EgrQ>r _m_bo - - - 2 - - - 2
6. EZgrEbQ>r/EZgrEbEQ>r - - - - - 1 - 1
Hw$b 5 1 5 54 1 9 1 76
II.5 ~r_m _| A§Vaamï´>r` gh`moJ H$mo {d{^Þ A§Vaamï´>r` g§JR>Zm|, _§Mm| Am¡a {dXoer
{d{Z`_ZH$Vm©Am| Ho$ gmW g§~Õ H$aVm h¡& AmB©AmaS>rEAmB© Zo
AmB©AmaS>rEAmB© Kaoby Vm¡a na {d{Z`m_H$ Cnm`m| H$mo àma§^
{dÎmr` df© 2023-24 _| ^r A§Vaamï´>r` joÌ _| Mb ahr
H$aZo Am¡a bmJy H$aVo g_` A§Vaamï´>r` gdm}Îm_ àWmAm| H$mo
J{V{d{Y`m| _| g{H«$` ê$n go g§~Õ hmoZm Am¡a `moJXmZ H$aZm
AnZmZo Ho$ _hËd H$mo nhMmZVm h¡& Bg g§X^© _|, Am¡a AnZo
Omar aIm&
{d{Z`m_H$ CÔoí`m| H$mo AmJo ~‹T>mZo _|, AmB©AmaS>rEAmB© ñd`§
Annual Report 2023-24 87II.5.1 A§Vaamï´>r` ~r_m n`©dojH$ g§K (AmB©EAmB©Eg) II.5.1.3 AmB©AmaS>rEAmB© g_H$j g_rjm Am¡a ñd-_yë`m§H$Z
Ho$ gmW g§~ÕVm à`moJm| _| gh^m{JVm H$aVm h¡ Omo ~r_m Ho$ _w»` {gÕm§Vm| Ho$
_mZH$m | H$o H$m`mÝ© d`Z Ama¡ nmbZ H$o ñVa VWm {H$gr A{YH$ma-
II.5.1.1 AmB©EAmB©Eg 200 go A{YH$ A{YH$ma-joÌm| Ho$
joÌ _| CgH$s à^mdmË_H$Vm Ho$ {ZYm©aU H$mo g§~Õ H$aVo h¢²&
~r_m n`©dojH$m| Am¡a {d{Z`_ZH$Vm©Am| H$m EH$ ñd¡pÀN>H$
AmB©EAmB©Eg H$s g_H$j g_rjm à{H«$`m (nrAmanr) gXñ`m|
gXñ`Vm g§JR>Z h¡ {Og_| {dœ Ho$ 97 à{VeV ~r_m àr{_`_
H$s ghm`Vm AmB©EAmB©Eg Ho$ _mZH$m| Ho$ {ZYm©aU Am¡a nmbZ
h¢²& `h d¡{œH$ _mZH$ {ZYm©aH$ {ZH$m` h¡ Omo ~r_m joÌ Ho$
Ho$ _mÜ`_ go n`©dojr Am¡a {d{Z`m_H$ T>m±Mm| _| {H$gr ^r
n`©dojU Ho$ {bE {gÕm§Vm|, _mZH$m| H$m {dH$mg H$aZo VWm CZHo$
Xþ~©bVm AWdm A§Vamb Ho$ ñdê$n Am¡a gr_m H$s nhMmZ H$aZo
H$m`m©Ýd`Z _| ghm`Vm Am¡a _mJ©Xe©Z H$aZo Ed§ ghm`H$ gm_J«r
_| H$aVr h¡&
CnbãY H$amZo Ho$ {bE ^r CÎmaXm`r h¡& AmB©AmaS>rEAmB©
AmB©EAmB©Eg H$m gXñ` h¡& AÜ`j, AmB©AmaS>rEAmB© II.5.2 {Ûnjr` dMZ~ÕVmE±
AmB©EAmB©Eg H$s H$m`©H$mar g{_{V Ho$ ^r gXñ` h¢²&
II.5.2.1 _B© 2013 go à^mdr ê$n _|, AmB©AmaS>rEAmB©
AmB©EAmB©Eg Ho$ Zr{VJV H$m`© H$m g§MmbZ H$m`©H$mar g{_{V
A§Vaamï´>r` ~r_m n`©dojH$ g§K (AmB©EAmB©Eg) Ho$ ~hþnjr`
Ho$ ZoV¥Ëd _| EH$ g{_{V H$s àUmbr Ûmam {H$`m OmVm h¡,
g_Pm¡Vm kmnZ (E_ E_Amo`y) H$m EH$ hñVmjaH$Vm© h¡, Omo
{OgH$s ghm`Vm {\$a nm±M Zr{V g{_{V`m± H$aVr h¢²& {d{^Þ
gh`moJ Am¡a gyMZm H$mo gmPm H$aZo Ho$ {bE EH$ A§Vaamï´>r`
Zr{V g{_{V`m| _| AmB©AmaS>rEAmB© H$m à{V{Z{YËd h¡& `o
_§M àXmZ H$aVm h¡& BgHo$ Abmdm, AmB©AmaµS>rEAmB© (Kaoby
g{_{V`m± Zr{V {dH$mg, {dÎmr` pñWaVm Am¡a AmB©EAmB©Eg
`m {dXoer g§ñWm Ho$ g§~§Y _| JmonZr` gyMZm H$mo gmPm H$aZm)
n`©dojr gm_J«r Ho$ H$m`m©Ýd`Z Am¡a {ZYm©aU Am{X Ho$ joÌ _|
{d{Z`_, 2012 {dÚ_mZ h¢ Omo Cg {d{Y H$s ì`dñWm H$aVo h¢
_mZH$ {ZYm©aH$ H$m`©H$bmnm| H$s {ZJamZr H$aVr h¢²&
{Og_| JmonZr` OmZH$mar H$mo AÝ` {d{Z`m_H$ {ZH$m`m| Ho$ gmW
II.5.1.2 AmB©EAmB©Eg g{_{V àUmbr Ho$ A§VJ©V, àË`oH$ gmPm {H$`m Om gH$Vm h¡&
g{_{V Zo AnZo H$V©ì`m| Ho$ {Zd©hU Ho$ {bE {d{^Þ H$m`©-
II.5.2.2 AmB©AmaS>rEAmB© Zo A~ VH$ Xmo {Ûnjr` g_Pm¡Vm
Xbm|/H$m`© ~bm| H$s ñWmnZm H$s h¡& H$m`©-Xbm| Ho$ ñVa na,
kmnZm| na hñVmja {H$`o h¢²& EH$ ~r_m àm{YH$aU, g§`wº$ Aa~
AmB©AmaS>rEAmB© H$s gh^m{JVm {dÎmr` g_mdoeZ, H$manmoaoQ>
A_ramV (`yEB©) Ho$ gmW Am¡a Xÿgam g§Kr` ~r_m H$m`m©b`
A{^emgZ, ~mOma AmMaU, g_{ï> (_¡H«$mo) {ddoH$nyU© Zr{V
(E\$AmB©Amo), g§`wº$ amÁ` A_o[aH$m (`yEgE) Ho$ gmÏ& Cº$
Am¡a {ZJamZr VWm ~r_m ny±Or _mZH$ {dH$mg Ho$ joÌm| _| h¡&
E_Amo`y gyMZm Ho$ AmXmZ-àXmZ Am¡a à{ejU ghm`Vm g{hV,
AmB©EAmB©Eg Ho$ _mZH$ {ZYm©aU H$m`©H$bmnm| Ho$ ^mJ Ho$ ê$n
gh`moJ Am¡a g_Ýd` Ho$ {bE EH$ T>m±Mm àXmZ H$aVo h¢²&
_|, AmB©AmaS>rEAmB© nam_e© H$s à{H«$`m _| gh^m{JVm H$aVm h¡
VWm CgHo$ Zm{_V gXñ` à{V{Z{Y g{_{V`m|/H$m`© Xb/H$m`© II.5.2.3 AmB©AmaS>rEAmB©-E\$AmB©Amo g_Pm¡Vm kmnZ Ho$
~bm| H$s ~¡R>H$m| _| ^r ^mJ boVo h¢²& Cº$ {dMma-{d_e© Am¡a A§VJ©V 2023-24 Ho$ Xm¡amZ _m¡g_ OmopI_ O¡go {df`m| na
OmZH$mar H$s gmPoXmar d¡{œH$ ~r_m _mZH$m| Ho$ {Z_m©U Am¡a Amd{YH$ gyMZm {d{Z_` g§~§Yr nañna g{H«$`Vm (B§Q>aEoŠeZ)
A§JrH$aU _| n[ad{V©V hmoVr h¡&
88 Annual Report 2023-24Am`mo{OV H$s JB©²& E\$AmB©Amo Ho$ à{V{Z{Y`m| Ho$ gmW EH$ {OZ_| go àË`oH$ Ho$ {bE {dMmam| Ho$ {d{Z_` H$s g§aMZm Ho$
nañna g{H«$`Vm gÌ Am`mo{OV {H$`m J`m {Og_| ^maV H$s gmW MMm© H$m n¡Zb ~Zm`m J`m…
Amoa go d[að> AmB©AmaS>rEAmB© A{YH$m[a`m|, OrdZ, J¡a-OrdZ
• A§Vaamï´>r` {d{Z`m_H$ J{V{d{Y`m| Am¡a d¡{œH$ {dÎmr`
Am¡a nwZ~u_mH$Vm©Am| Ho$ à~§YZ Ho$ à_wI H$m{_©H$m| Ed§ ~r_m
J{V{d{Y`m| Ho$ Ádma-^mQ>o _| Zm¡-g§MmbZ H$aZm;
Xbmbm| Zo ^mJ {b`m&
• ~r_m _| ~‹S>r àm¡{Ú{J{H$`m±; VWm
II.5.3 ~r_m {d{Z`_ZH$Vm©Am| Ho$ {bE E{e`mB© _§M
(EE\$AmB©Ama) • B©EgOr ~hþ-Am`m_r g_ñ`mAm| Ho$ gmW g§Kî&©
II.5.3.1 E{e`Z \$mao _ Am\µ $ Bí§ `mao g| aJo bw Qo >g © (EE\$AmBA© ma), AÜ`j, AmB©AmaS>rEAmB© Zo Cº$ n¡Zb MMm©Am| _| dº$m Ho$
E{e`m Am¡a Amoe{Z`m joÌm| Ho$ ~r_m n`©dojH$m| H$m EH$ _§M ê$n _| g{H«$` ê$n go gh^m{JVm H$s&
df© 2005 _| joÌr` ~r_m {d{Z`_Z gh`moJ na ~rqOJ KmofUm
II.5.4 {dÎmr` pñWaVm ~moS©> (E\$Eg~r)
Ho$ AmYma na ñWm{nV {H$`m J`m Wm& E\$EAmB©Ama H$m {_eZ,
j_Vm {Z_m©U H$mo _O~yV H$aZm, ~r_m {d{Z`m_H$ j_Vm H$mo
II.5.4.1 {dÎmr` pñWaVm ~moS©> (E\$Eg~r) {dÎmr` àUmbr
gwJ_ ~ZmZm VWm E{e`m Am¡a Amoe{Z`m joÌm| _| {d{Z`m_H$
H$s H$_Omo[a`m| H$mo Xÿa H$aZo Am¡a {dÎmr` pñWaVm Ho$ {hV _|
gh`moJ H$mo ~‹T>mdm XoZm h¡& dV©_mZ _| AmB©AmaS>rEAmB©, ^maV
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g{hV EE\$AmB©Ama Ho$ 22 gXñ` h¢²& ~r_m {d{Z`_ZH$Vm©Am|
H$m`m©Ýd`Z H$mo g§Mm{bV H$aZo Ho$ {bE ñWm{nV EH$ A§Vaamï´>r`
Ho$ E{e`mB© _§M (EE\$AmB©Ama) H$s 18dt dm{f©H$ ~¡R>H$ Am¡a
{ZH$m` h¡& E\$Eg~r Ho$ _w»` A{YXoem| (_¢So>Q²g) _| go EH$
gå_obZ H$m Am`moOZ 10 go 11 Aºy$~a 2023 VH$ Hw$Ambm
{dÎmr` {d{Z`_Z na Or20 Zr{VJV KmofUmAm| H$mo bmJy H$aZm
b§nwa, _bo{e`m _| AmKmV-gh Am¡a gwÑ‹T> ~r_m n`©dojU Ho$
h¡& E\$Eg~r _|, ^maV H$m à{V{Z{YËd {dÎm _§Ìmb`
{bE C^aVo OmopI_m| H$m à^mdr T>§J go gm_Zm H$aZm {df` na
(E_AmoE\$), ^maVr` [aµOd© ~¢H$ (Ama~rAmB©) Am¡a ^maVr`
{H$`m J`m {Og_| 13 gXñ` A{YH$ma-joÌm| Ho$ à{V{Z{Y`m| Zo
à{V^y{V {d{Z_` ~moS©> (EgB©~rAmB©) Ûmam {H$`m OmVm h¡&
gh^m{JVm H$s& {d{^Þ EE\$AmB©Ama gXñ` A{YH$ma-joÌm|
AmB©AmaS>rEAmB© ~r_m joÌ go g§~§{YV _wÔm| na AnZo {dMma
Am¡a AÝ` A§Vaamï´>r` g§JR>Zm| go Am`o hþE dº$mAm| Zo AZoH$
Am¡a {Q>ßn{U`m± àXmZ H$aVo hþE E\$Eg~r Ho$ H$m_ _| `moJXmZ
g_H$mbrZ {df`m| na MMm©Am| H$s AJwAmB© H$s, O¡go C^aVr
XoVm h¡& AmB©AmaS>rEAmB© ~r_m go g§~§{YV E\$Eg~r gd}jUm|/
hþB© àm¡Úmo{J{H$`m± Am¡a ZdmoÝ_ofU, E{e`m _| ~m‹T> OmopI_,
àýmdbr/g_rjmAm| na à{V{H«$`m ^r XoVm h¡&
Ibw m ~r_m, _mg¡ _r Ama¡ àmH$¥{VH$ OmpoI_, VWm ga§ jU AV§ amë&
II.5.5 {dÎmr` joÌ {ZYm©aU H$m`©H«$_ (E\$EgEnr)
II.5.3.2 Bg H$m`©H«$_ Ho$ Cnam§V 9 Aºy$~a 2023 H$mo ~r_m
n`©dojU g§~§Yr 6dt E{e`m-n¡{g{\$H$ Cƒ-ñVar` ~¡R>H$ hþB©²& II.5.5.1 {dÎmr` joÌ {ZYm©aU H$m`©H«$_ (E\$EgEnr) Or
Bg ~¡R>H$ H$m gh-Am`moOZ ~r_m {d{Z`_ZH$Vm©Am| Ho$ E{e`mB© A§Vaamï´>r` _wÐm H$mof (AmB©E_E\$) Am¡a {dœ ~¢H$ (S>ãë`y~r)
_§M (EE\$AmB©Ama), A§Vaamï´>r` {ZnQ>mZ ~¢H$ (~rAmB©Eg) H$m EH$ g§`wº$ H$m`©H«$_ h¡, {H$gr Xoe Ho$ {dÎmr` joÌ H$m EH$
Ho$ E\$EgAmB© VWm AmB©EAmB©Eg Ûmam {H$`m J`m& Bg ~¡R>H$ ì`mnH$ Am¡a JhZ _yë`m§H$Z h¡& {dH$mgerb AW©ì`dñWmAm|
_| {ZåZ{bpIV VrZ _w»` {df`m| H$mo gpå_{bV {H$`m J`m, Am¡a C^aVo ~mOmam| _|, E\$EgEnr AmH$bZ AmB©E_E\$ Am¡a
Annual Report 2023-24 89{dœ ~¢H$ Ûmam g§`wº$ ê$n go Am¡a CÞV AW©ì`dñWmAm| _| g§~§Y _| {dœ ^a _| H$s JB© nhbm| H$m gmPm H$aVo h¢²&
AHo$bo AmB©E_E\$ Ûmam Am`mo{OV {H$`o OmVo h¢²& E\$EgEnr _| AmB©AmaS>rEAmB© Zo Zd§~a 2023 _| Am`mo{OV "{dÎmr` gmjaVm
Xmo à_wI KQ>H$ em{_b h¢, AWm©V² {dÎmr` pñWaVm _yë`m§H$Z Am¡a geº$sH$aU… So>Q>m, Zr{V`m± Am¡a _yë`m§H$Z' na AmoB©grS>r
(AmB©E_E\$ H$s {Oå_oXmar) Am¡a {dÎmr` {dH$mg _yë`m§H$Z g§Jmoð>r _| Am^mgr Vm¡a na ^mJ {b`m&
({dœ ~¢H$ H$m CÎmaXm{`Ëd)& àUmbrJV ê$n go _hËdnyU©
II.5.6.2 AmB©AmaS>rEAmB© Zo AmoB©grS>r Am¡a E{e`mB© {dH$mg
CZVrg (29) A{YH$ma-joÌm| Ho$ {bE àË`oH$ nm±M dfm] Ho$
~¢H$ g§ñWmZ (ES>r~rAmB©) Ho$ gmW E{e`m _| ~r_m Am¡a
{bE E\$EgEnr A{Zdm`© h¢²& ^maV BZ CZVrg Xoem| _| go EH$
godm{Zd¥{Îm ~MV na amCÊS>Q>o{~b H$s gh-_oO~mZr H$s& Bg
h¡& ^maV Ho$ {bE nhbm E\$EgEnr 2011-12 _| g§Mm{bV
H$m`H© $«_ H$m Am`mOo Z 24-25 _B ©2023 H$m ohX¡ am~mX BQ§ >aZeo Zb
{H$`m J`m Wm Am¡a Xÿgam E\$EgEnr {_eZ {Xg§~a 2016 _|
H$Ýde| Z gQ| >a (EMAmBg© rgr), Zmdo mQo >bo hmQo >b, hX¡ am~mX, ^maV
Wm&
_| {H$`m J`m& Bg amCÊS>Q>o{~b na hþB© MMm©Am| _| ZdmoÝ_ofU
II.5.5.2 Vrgam E\$EgEnr {_eZ g§`wº$ AmB©E_E\$-S>ãë`y~r Am¡a àm¡Úmo{JH$s Ho$ _hËd na ~b {X`m J`m, VoO ~mOma d¥{Õ
Q>r_ Ûmam {Xg§~a 2023 _| àma§^ {H$`m J`m {OgHo$ AZwgaU _| Am¡a {d{Z`m_H$ MwZm¡{V`m| H$s EH$ g_J« {dh§J_ Ñ{ï> àñVwV
Xmo Am¡a {_eZ {d{OQ> _mM© Am¡a OyZ 2024 _| {H$`o J`o& ^maV H$s JB©, VWm ~r_m na _m¡g_ Ho$ n[adV©Z Ho$ à^md Am¡a CÚmoJ
2024 Ho$ ^mJ Ho$ ê$n _| AmB©EAmB©Eg ~r_m _w»` {gÕm§Vm| Ho$ H$s à{V{H$«`mAm | H$m nVm bJmZ o Ed § _mg¡ _ H$s AmKmV-ghZr`Vm
g§~§Y _| ^maVr` ~r_m joÌ Ho$ nmbZ na EH$ {dñV¥V _yë`m§H$Z ~‹T>mZo Ho$ {bE {d{Z`m_H$ T>m±Mm| Ho$ à`mgm| H$s ImoO H$s JB©²&
[anmoQ>© à{H«$`mYrZ h¡& Bg H$m`©H«$_ _| ì`dhmaJV Ñ{ï>H$moUm| Ho$ Ûmam H$daoO H$s d¥{Õ
H$aZo Ho$ {bE A§Vaamï´>r` AZw^dm| go J«hU H$aVo hþE, ñd¡pÀN>H$
II.5.6 {dÎmr` {ejm na AmoB©grS>r A§Vaamï´>r` ZoQ>dH©$
godm{Zd¥{Îm ~MV H$mo ~‹T>mZo na Ü`mZ Ho$pÝÐV {H$`m J`m& Bg_|
(AmB©EZE\$B©)
godm{Zd¥{Îm Am` H$s g§aMZm H$aZo _| bMrbonZ Am¡a XrKm©`w
g§ajU _| g§VwbZ H$s Amdí`H$Vm na {deof ~b {X`m J`m&
II.5.6.1 Am{W©H$ gh`moJ Am¡a {dH$mg g§JR>Z (AmoB©grS>r)
ZdmoÝ_of {S>{OQ>b gmYZ Xem©Vo hþE n|eZ g§Mma Am¡a g§{báVm
gaH$mam| H$mo {dÎmr` g_mdoeZ Ho$ EH$ _hËdnyU© gmYZ Ho$ ê$n
_| gwYma bmZo _| àm¡Úmo{JH$s H$s ^y{_H$m H$m AÝdofU {H$`m
_| {dÎmr` {ejm na {dMmam| Am¡a AZw^dm| H$m AmXmZ-àXmZ
J`m& A{V[aº$ ê$n go, {d{Z`m_H$ g¢S>~mŠgm| Am¡a ZdmoÝ_ofU
H$aZo Ho$ {bE EH$ {d{eï> Zr{V _§M àXmZ H$aVm h¡& {dÎmr`
Ho$ÝÐm| Ho$ Cn`moJ na, OmopI_m| H$m à~§Y H$aVo hþE ZdmoÝ_ofU
gmjaVm Ho$ _hËd H$mo nhMmZZo Ho$ ~mX, AmoB©grS>r gaH$mam|
H$mo àmoËgm{hV H$aZo _| CZHo$ _hËd na ~b XoVo hþE MMm© H$s
Ûmam df© 2008 _| {dÎmr` {ejm na AmoB©grS>r A§Vaamï´>r`
JB©²& Cº$ amCÊS>Q>o{~b H$m g_mnZ Zr{V{ZYm©aH$m|,
ZoQ>dH©$ (AmB©EZE\$B©) àma§^ {H$`m J`m Wm& ^maV AmB©EZE\$B©
{d{Z`_ZH$Vm©Am|, Am¡a CÚmoJ Ho$ {deofkm| Ho$ ~rM kmZ Ho$
H$s J{V{d{Y`m| _| {Z`{_V ê$n go ^mJ boVm h¡ {OgH$m
{d{Z_` Am¡a gh`moJ Ho$ Ûmam E{e`m _| ~r_m H$s AmKmV-
à{V{Z{YËd ^maV Ho$ Mma {dÎmr` {d{Z`_ZH$Vm©Am| AWm©V²
ghZr`Vm Am¡a g_mdo{eVm Ed§ godm{Zd¥{Îm ~MV àUm{b`m| H$mo
Ama~rAmB©, go~r, AmB©AmaS>rEAmB© Am¡a nrE\$AmaS>rE Ûmam
~‹T>mZo Ho$ Cº$ H$m`©H«$_ Ho$ bú` H$mo à~{bV H$aVo hþE _w»`
{H$`m OmVm h¡& Aà¡b 2012 _| AmB©AmaS>rEAmB©, AmoB©grS>r
A§VÑ©{ï>`m| Ho$ gmam§e Ho$ gmW {H$`m J`m&
AmB©EZE\$B© H$m gXñ` ~Zm& AmoB©grS>r AmB©EZE\$B© ~¡R>H$m| Ho$
Xm¡amZ, gh^mJr {dÎmr` gmjaVm Am¡a {dÎmr` g_mdoeZ Ho$
90 Annual Report 2023-24II.5.6.3 ~mbr, B§S>moZo{e`m _| 14-15 {Xg§~a 2023 H$mo gw{dYm àXmZ H$aZo Ho$ Ûmam ~r_mH$Vm©Am| H$s {eH$m`V {ZdmaU
~r_m _| OmopI_ {ZYm©aU Am¡a OmopI_ Ý`yZrH$aU Ho$ {bE à{H«$`mAm| H$s {ZJamZr H$aVo hþE nm{bgrYmaH$ Ho$ {hVm| Ho$
àm¡Úmo{JH$s Ho$ CÞ`Z na Am`mo{OV AmoB©grS>r AmoOoHo$ g§ajU _| EH$ _hËdnyU© ^y{_H$m AXm H$aVm h¡& Bgo àmá H$aZo
amCÊS>Q>{o~b _ | AmBA© maS>rEAmB © H$o A{YH$m[a`m | Z o ^r gh^m{JVm Ho$ {bE, AmB©AmaS>rEAmB© Zo ~r_mH$Vm©Am| Ho$ {bE A{Zdm`©
H$s& (_¢So>Q>ar) {H$`m h¡ {H$ do Hw$eb Am¡a A{^Jå` {eH$m`V
{ZdmaU àUm{b`m| H$mo bmJy H$a|²& BZ_| AmZbmBZ {eH$m`V
II.5.7 AÝ` g§~ÕVmE±
àñVwVrH$aU {dH$ën CnbãY H$amZm, {d{^Þ _mÜ`_m| Ho$ Ûmam
àmá {eH$m`Vm| H$mo n§OrH¥$V H$aZo Ho$ {bE gwÑ‹T> ì`dñWmE±
II.5.7.1 df© 2023-24 Ho$ Xm¡amZ, AmB©AmaS>rEAmB© Zo ~r_m
ñWm{nV H$aZm, VWm ~r_mH$Vm©Am| H$s do~gmBQ>m| Am¡a CZHo$
joÌ go g§~§{YV joÌm| _| {d{^Þ A§Vaamï´>r` g§{Y`m| Am¡a g§dmXm|
g^r H$m`m©b`m| _| {eH$m`V {ZdmaU ì`dñWm Ho$ {ddaU H$m
Ho$ g§~§Y _| ^maV gaH$ma Ho$ gmW à^mdr Am¡a Cn`moJr g§~ÕVm
àMma H$aZm em{_b h¢²&
H$s {Xem _| `moJXmZ XoZm Omar aIm&
II.5.7.2 AmB©AmaS>rEAmB© Zo 5 _mM© 2023 H$mo II.6.2 àm{YH$aU Zo g^r ~r_mH$Vm©Am| Ho$ {bE A{Zdm`©
(_¢So>Q>ar) {H$`m h¡ {H$ CZHo$ `hm± EH$ nm{bgrYmaH$ g§ajU,
AmB©AmaS>rEAmB©, h¡Xam~mX _| Vm§Om{Z`m go Am`o hþE EH$
{eH$m`V {ZdmaU Am¡a Xmdm {ZJamZr g{_{V
à{V{Z{Y _S§ >b H$s _Oo ~mZr H$s {Og_ | ~r_m Am`ºw $, VmO§ m{Z`m
(nrnrOrAmaEÊS>grE_) g{_{V hmo, Omo Hw$eb Am¡a à^mdr
Am¡a Vm§Om{Z`m ~r_m {d{Z`m_H$ àm{YH$aU (Q>rAmB©AmaE) Ho$
{eH$m`V {ZdmaU ì`dñWm, Xmdm {ZnQ>mZ à{H$«`mAm | H$s {ZJamZr
A{YH$mar em{_b Wo&
Ho$ Ûmam nm{bgrYmaH$m| Ho$ {hVm| Ho$ g§ajU H$s {Xem _| Cn`wº$
II.5.7.3 AmB©AmaS>rEAmB© ^maVr` ~r_m CÚmoJ H$m
àUm{b`m| Am¡a à{H«$`mAm| H$s ñWmnZm H$aoJr VWm ~r_m
{dhJmdbmoH$Z H$aZo Ho$ {bE AÜ``Z `mÌmAm| _| é{M ì`º$
OmJê$H$Vm H$m {Z_m©U Am¡a nm{bgrYmaH$m| H$m geº$sH$aU
H$aZodmbo AÝ` Xoem| Ho$ ~r_m {d{Z`_ZH$Vm©Am| go AmZodmbo
H$aZo H$s {Xem _| Cnm` H$aoJr& BgHo$ A{V[aº$, ~r_mH$Vm©Am|
à{V{Z{Y _§S>bm| H$s _oO~mZr H$aVm h¡& _B© 2023 Ho$ Xm¡amZ,
Ho$ {bE `h A{Zdm`© {H$`m J`m h¡ {H$ CZHo$ `hm± ì`dgm` Ho$
AmB©AmaS>rEAmB© Zo AÝ` ~mVm| Ho$ gmW-gmW n`©dojU
àË`oH$ ñWmZ na {eH$m`Vm| Ho$ g§~§Y _| H$ma©dmB© H$aZo Ho$ {bE
àm¡Úmo{JH$s, {d{Z`m_H$ g¢S>~mŠg, ~r_m Am¡a n|eZ H$daoO
EH$ nXZm{_V A{YH$mar hmo VWm `{X {eH$m`VH$Vm© Ho$ g§Vmof
O¡go joÌm| H$mo gpå_{bV H$aVo hþE AÜ``Z `mÌm Ho$ {bE Am`o
Ho$ AZwê$n {eH$m`Vm| H$m g_mYmZ Zht {H$`m OmVm h¡ Vmo EH$
hþE ZoeZb ~¢H$ Amµ\$ dmªS>m Ho$ ~r_m Am¡a n|eZ n`©dojU H$j
C{MV Am§V[aH$ CÞ`Z (EñH$boeZ) _¡{Q´>Šg {dÚ_mZ hmo&
Ho$ à{V{Z{Y`m| H$s _oO~mZr H$s&
II.6.3 AmB©AmaS>rEAmB© Zo nm{bgrYmaH$m| Ho$ {bE {eH$m`Vm|
II.5.7.4 AmB©AmaS>rEAmB© ~r_m joÌ _| {d{Z_`m| Am¡a gh`moJ
Ho$ g_mYmZ H$s gw{dYm àXmZ H$aZo Ho$ {bE ~hþ{dY _mÜ`_
H$mo _O~yV H$aZo Ho$ {bE A§Vaamï´>r` gå_obZm|, go{_Zmam| Am¡a
ñWm{nV {H$`o h¢²& AmB©AmaS>rEAmB© H$m ~r_m ^amogm nmoQ>©b
H$m`©embmAm| _| ^r gh^m{JVm H$aVm h¡&
~r_mH$Vm©Am| H$s {eH$m`V à~§Y àUmbr Ho$ gmW g_pÝdV
{H$`m J`m h¡& `h ~r_m ^amogm nmoQ>©b {eH$m`V| nmBb H$aZo
II.6 {eH$m`V|
Am¡a CZH$s pñW{V H$s ImoO H$aZo Ho$ {bE EH$ AmZbmBZ
II.6.1 AmB©AmaS>rEAmB© nm{bgrYmaH$m| Ho$ {dœmg Am¡a ^amogo ßboQ>\$m_© àXmZ H$aVm h¡& A{V[aº$ ê$n go, AmB©AmaS>rEAmB©
H$mo àmoËgm{hV H$aZo Ho$ {bE {eH$m`Vm| Ho$ Ëd[aV g_mYmZ H$s
Annual Report 2023-24 91{eH$m`V H$mb g|Q>a (AmB©Orgrgr) {eH$m`V| XO© H$aZo Ho$ II.6.4 OrdZ ~r_mH$Vm©Am| Ho$ {déÕ n§OrH¥$V {eH$m`Vm| H$s
{bE EH$ {Z…ewëH$ (Q>mob-\«$s) Q>obr\$moZ Z§~a Am¡a B©-_ob Hw$b g§»`m 2022-23 _| XO© 1,24,293 go KQ>H$a 2023-
nVm CnbãY H$amVm h¡& `h A§Va-g§~Õ àUmbr 24 _| 1,20,726 hmo JB© h¡ AWm©V² {nN>bo df© H$s VwbZm _|
AmBA© maS>rEAmB © H$o {bE nm{bgrYmaH$m | H$s {eH$m`Vm | H$o H$web 2023-24 _| Bg_| 2.87 à{VeV H$_r AmB© h¡& gmW hr,
g_mYmZ H$mo gw{Z{üV H$aZo Ho$ {bE ~r_mH$Vm©Am| H$s {eH$m`V `yE\$~rnr (AZw{MV ì`mnma nÕ{V`m±) Ho$ A§VJ©V n§OrH¥$V
{ZnQ>mZ à{H«$`mAm| H$s à^mdr T>§J go {ZJamZr H$aZo H$m à~§Y {eH$m`Vm| H$s Hw$b g§»`m 2022-23 H$s 26,107 go 10.62
H$aVr h¡& BgHo$ Abmdm, AmB©AmaS>rEAmB© Ho$ ~r_m ^amogm à{VeV KQ>H$a 2023-24 _| 23,335 ahr h¡&
nmoQ>©b _| AXmdr am{e Ho$ {bE do~ qbH$ {Z{hV h¡& `h
ZrMo H$s gmaUr _| OrdZ Am¡a gmYmaU ~r_m joÌm| Ho$ AbJ-
nm{bgrYmaH$ / bm^mWu Ho$ {bE CgH$s Amoa go AXmdr pñW{V
AbJ {ddaU Ho$ gmW ^maVr` ~r_m joÌ _| {eH$m`Vm| H$m
_| {Z{hV {H$gr am{e H$s ImoO H$aZo Ho$ {bE EH$ {dH$ën
{dûcofU Xem©`m J`m h¡&
CnbãY H$amVm h¡&
gmaUr II.15: 2023-24 Ho$ Xm¡amZ n§OrH¥$V {eH$m`Vm| H$m {dûcofU
{ddaU OrdZ gmYmaU Am¡a Hw$b
ñdmñÏ`
Hw$b Omar nm°{b{g`m± Ed§ H$da {H$E JE OrdZ* 64,81,53,324 2,96,26,47,141 3,61,08,00,465
{eH$m`V| 1,20,726 94,843 2,15,569
Hw$b nm°{b{g`m| Am¡a OrdZ _| {eH$m`Vm| H$m à{VeV (%) 0.019 0.003 0.006
à{V bmI nm°{b{g`m| na{eH$m¶V| 18.63 3.20 5.97
òmoV… ~r_m^amogm nmoQ>©b
*OrdZ ~r_m nm°{b{g`m| Ho$ g§~§Y _|- nmo{bgrO BZ \$mog© , gm_mÝ` ~r_m Ho$ _m_bo _| - Omar nm°{b{g`m±, ñdmñW ~r_m Ho$ gå~§Y _| ngªg H$dS©>
gmaUr II.16: OrdZ ~r_mH$Vm©Am| Ho$ {déÕ XO© AZw{MV ì`mnma nÕ{V`m|
(`yE\$~rnr) g§~§Yr {eH$m`V|
H«$.g§. {ddaU 2022-23 2023-24
1 OrdZ ~r_mH$Vm©Am| Ho$ {déÕ gy{MV H$s JB© {eH$m`Vm| H$s Hw$b g§»`m 1,24,293 1,20,726
2 gy{MV H$s JB© `yE\$~rnr {eH$m`Vm| H$s Hw$b g§. 26,107 23,335
3 df© Ho$ Xm¡amZ g_mYmZ H$s JB© `yE\$~rnr {eH$m`V| 26,103 23,288
4 nm{bgrYmaH$ Ho$ nj _| 9,946 9,461
5 Am§{eH$ ê$n go nm{bgrYmaH$ Ho$ nj _| 1,302 1,216
6 nm{bgrYmaH$ Ho$ {déÕ 14,855 12,611
7 df© Ho$ A§V _| b§{~V `yE\$~rnr {eH$m`V| 4 47
8. Hw$b {eH$m`Vm| _| `yE\$~rnr {eH$m`Vm| H$m A§e 21.00% 19.33%
92 Annual Report 2023-24II.6.5 ^maVr` ~r_m joÌ _| An{dH«$` ({_g-goqbJ) EH$ VWm Amd{YH$ AmYma na EH$ _yb H$maU {dûcofU H$aZo
C„oIZr` qMVm h¡ Omo Cn^moº$mAm| H$mo {Z~§YZm|, eVm] `m g{hV An{dH«$` g§~§Yr {eH$m`Vm| H$m g_mYmZ H$aZo Ho$ {bE
Cn`wº$Vm Ho$ C{MV àH$Q>rH$aU Ho$ {~Zm ~r_m CËnmXm| Ho$ EH$ `moOZm {dH${gV H$aZo O¡gr aUZr{V`m| H$mo H$m`m©pÝdV H$a|²&
{dH«$` go g§~Õ h¡& ~r_mH$Vm©Am| H$mo A§V{Z©{hV H$maUm| H$s
~r_m ^amogm nmoQ>©b na {eH$m`Vm| H$s pñW{V
nhMmZ H$aZo Ho$ {bE _yb H$maU {dûcofU g§Mm{bV H$aZo Ho$
Ûmam An{dH«$` H$s g_ñ`m H$m gm_Zm H$aZo Ho$ {bE àmoËgm{hV
II.6.6 2023-24 H$o Xma¡ mZ, ~r_m ^amgo m nmQo >b© na 2,15,569
{H$`m OmVm h¡& An{dH«$` H$mo amoH$Zo `m H$_ H$aZo Ho$ {bE,
{eH$m`V| àmá H$s JB© Wt, {OZ_| go 1,20,726 {eH$m`V|
~r_mH$Vm©Am| H$mo gy{MV {H$`m J`m h¡ {H$ do CËnmX H$s Cn`wº$Vm
OrdZ ~r_m ì`dgm` go g§~§{YV Wt Am¡a 94,843 gmYmaU
H$m {ZYm©aU H$aZo, {dVaU _mÜ`_-{d{eï> {Z`§ÌU bmJy H$aZo,
~r_m ì`dgm` go g§~§{YV Wt²&
gmaUr II.17: ~r_m ^amogm nmoQ>©b Ho$ AZwgma {eH$m`Vm| H$s pñW{V
({eH$m`Vm| H$s g§»`m)
2022-23 2023-24
df© Ho$ df© Ho$ df© Ho$ df© Ho$ df© Ho$ df© Ho$
~r_mH$Vm© Xm¡amZ Xm¡amZ A§V _| Xm¡amZ Xm¡amZ A§V _|
gy{MV H$ma©dmB© b§{~V gy{MV H$ma©dmB© b§{~V
H$s JB© H$s JB© H$s JB© H$s JB©
OrdZ ~r_mH$Vm©
gaH$mar joÌ 81,303 81,303 0 81,021 81,021 0
{ZOr joÌ 42,990 43,114 289 39,705 39,558 436
Hw$b 1,24,293 1,24,417 289 1,20,726 1,20,579 436
gmYmaU ~r_mH$Vm©
gaH$mar joÌ 22,563 20,781 2,149 24,955 23,049 4,055
{ZOr joÌ 55,784 56,178 1,224 69,888 70,111 1,001
Hw$b 78,347 76,959 3,373 94,843 93,160 5,056
Hw$b Omo‹S> 2,02,640 2,01,373 3,662 2,15,569 2,13,739 5,492
òmoV… ~r_m ^amogm nmoQ>©b
II.6.7 {dÎmr` df© 2023-24 Ho$ {bE ~r_m ^amogm nmoQ>©b na ~r_mH$Vm©Am| Ho$ {bE {eH$m`Vm| H$m dJuH$aU {ZåZmZwgma
OrdZ ~r_m nm{b{g`m| Ho$ g§~§Y _| àmá Hw$b {eH$m`Vm| _| go {X`m J`m h¡…
62 à{VeV go A{YH$ {eH$m`V| CÎmaOr{dVm Xmdm|, nm{bgr
{dÎm df© 2023-24 Ho$ Xm¡amZ gm_mÝ` ~r_m Ho$ {déÕ àmá
g{d©qgJ Am¡a AZw{MV ì`mnma nÕ{V`m| go g§~§{YV Wt²& OrdZ
Hw$b {eH$m`Vm| _| go A{YH$m§e {eH$m`V| Xmdm| (68 à{VeV)
go g§~§{YV Wt²&
Annual Report 2023-24 93II.6.8 {dÎm df© 2023-24 Ho$ Xm¡amZ OrdZ Xmdm| go g§~§{YV II.6.9 df© 2023-24 Ho$ Xm¡amZ, àemg{ZH$ gwYma Am¡a
{eH$m`Vm| H$s g§»`m 30,459 Wr& [anmoQ>© {H$E JE OrdZ Xmdm| gmdO© {ZH$ {eH$m`V {d^mJ (S>rEAmanrOr) _ | nO§ rH$¥V 13,153
H$s g§»`m 24.86 bmI Wr& gm_mÝ` Am¡a ñdmñÏ` ~r_m Xmdm| {eH$m`V| AmB©AmaS>rEAmB© Ho$ nmg ^oOr JBª²& df© Ho$ Xm¡amZ
go g§~§{YV {eH$m`Vm| H$s g§»`m 67,541 Wr Am¡a Xmdm| H$s Hw$b 13,084 {eH$m`Vm| H$m {ZnQ>mZ {H$`m J`m& 31 _mM©
g§»`m 11.49 H$amo‹S> Wr& Bg àH$ma, [anmoQ>© {H$E JE à{V 2024 H$s pñW{V Ho$ AZwgma Hw$b 289 {eH$m`V| b§{~V Wt²&
hOma Xmdm| na OrdZ ~r_m Xmdm| go g§~§{YV {eH$m`Vm| H$s
g§»`m bJ^J 12 Wr, O~{H$ gm_mÝ` Am¡a ñdmñÏ` ~r_m Ho$
_m_bo _| `h bJ^J 0.6 Wr&
94 Annual Report 2023-24gmaUr II.18: S>rEAmanrOr nmoQ>©b _| n§OrH¥$V Am¡a AmB©AmaS>rEAmB© H$mo g§X{^©V {eH$m`V|
2023-24 Ho$ 2023-24 2023-24 _| 2023-24 Ho$ 2023-24 Ho$
{eH$m`V H$m òmoV àma§^ _| Ho$ Xm¡amZ àmá Hw$b Xm¡amZ {ZnQ>mB© A§V _|
{eH$m`V| àmá {eH$m`V| JB© {eH$m`V| {eH$m`V|
S>rnrOr 12 408 420 393 27
S>rAmanrEOr 0 152 152 150 2
ñWmZr`/B§Q>aZoQ> 151 10,273 10,424 10,226 198
amï´>n{V g{Mdmb` 8 100 108 105 3
n|eZ 0 9 9 9 0
nrE_Amo 49 2,211 2,260 2,201 59
Hw$b 220 13,153 13,373 13,084 289
S>rnrOr- gmdO© {ZH$ {eH$m`V {ZXeo mb`; S>rEAmanrOr àemg{ZH$ gYw ma Ama¡ gmdO© {ZH$ {eH$m`V {d^mJ; nrE_Am o àYmZ _Ì§r H$m`mb© ` òmVo… grnrOrAmaEE_Eg
nmoQ>©b
31 _mM© 2024 H$mo {eH$m`Vm| H$s Ad{Y-dma b§{~V pñW{V
{ZåZmZwgma h¡…
H$m à{V{Z{YËd H$aVo h¢²& àm{YH$aU Ho$ AÜ`j Am¡a gXñ`
gmaUr II.19: {eH$m`Vm| H$s b§{~V pñW{V ~r_m gbmhH$ma g{_{V Ho$ nXoZ AÜ`j Am¡a nXoZ gXñ` hmoVo
h¢²& ~r_m gbmhH$ma g{_{V H$m CÔoí` {d{Z`_ ~ZmZo go g§~§{YV
{ZåZ Ad{Y Ho$ {bE b§{~V {eH$m`Vm| H$s g§»`m
{df`m| na àm{YH$aU H$mo gbmh XoZm h¡& ~r_m gbmhH$ma
0 - 15 {XZ 216
g{_{V Eogo AÝ` {df`m| na àm{YH$aU H$mo gbmh Xo gH$Vr h¡
16 30 {XZ 55 Omo {ZYm©[aV {H$`o OmE±Jo&
31 45 {XZ 17
~r_m gbmhH$ma g{_{V (AmB©Egr) H$s ~¡R>H|$ :
46 60 {XZ 0
60 {XZ 0 {dÎmr` df© 2023-24 Ho$ Xm¡amZ ~r_m gbmhH$ma g{_{V
(AmB©Egr) H$s Mma ~¡R>H|$ hþBª :
Hw$b 289
AmB©AmaS>rEAmB© H$s ~¡R>H$ {XZm§H$
II.7 gbmhH$ma g{_{V`m| H$s H$m`©-nÕ{V
AmB©Egr H$s 47dt ~¡R>H$ 22 {gV§~a 2023
~r_m gbmhH$ma g{_{V
AmB©Egr H$s 48dt ~¡R>H$ 13 {Xg§~a 2023
II.7.1 ~r_m gbmhH$ma g{_{V ( AmB E gr ) _| nXoZ gXñ`m| AmB©Egr H$s 49dt ~¡R>H$ 14 \$adar 2024
H$mo N>mo‹S>H$a 25 go AZ{YH$ gXñ` hmoVo h¢ Omo dm{UÁ`, AmB©Egr H$s 50dt ~¡R>H$ 23 \$adar 2024
CÚmoJ, n[adhZ, H¥${f, Cn^moº$m _§Mm|, gd}jH$m|, EO|Q>m|,
_Ü`d{V©`m|, gwajm Am¡a hm{Z {ZdmaU _| bJo hþE g§JR>Zm|,
~r_m joÌ Ho$ AZwg§YmZ {ZH$m`m| Am¡a H$_©Mmar g§Km| Ho$ {hVm|
Annual Report 2023-24 95nwZ~u_m gbmhH$ma g{_{V II.8.3 ~r_m bmoH$nmb Ho$ H$m`m©b` ~r_m bmoH$nmb n[afX
(grAmB©Amo) Ho$ àemg{ZH$ {Z`§ÌU _| h¢ Omo ~r_m bmoH$nmb
II.7.2 AmXoe g§. AmB©AmaS>rEAmB©/AmaB©AmB©EZ/EZAmoQ>r/
{Z`_, 2017 Ho$ AYrZ J{R>V H$s JB© h¡& grAmB©Amo {Z`{_V
AmaAmB©EZ/101/5/2022 {XZm§H$ 19-05-2022 Ho$ AZwgma
A§Vambm| na OrdZ ~r_m n[afX Am¡a gmYmaU ~r_m n[afX Ho$
J{R>V nwZ~u_m gbmhH$ma g{_{V H$s {dÚ_mZVm Omar h¡& gmW JhZ g§nH©$ _| ahVo hþE H$m`© H$aVr h¡&
II.8 bmoH$nmb H$s H$m`©-nÕ{V ~r_m bmoH$nmb {Z`_, 2017 Ho$ {Z`_ 19 Ho$ AZwgma, EH$
gbmhH$ma g{_{V, {Og_| 5 à{V{ð>V ì`{º$ {OZ_| EH$ Ho$ÝÐ
II.8.1 ~r_m bmoH$nmb H$m H$m`m©b` EH$ d¡H$pënH$ {eH$m`V
gaH$ma H$m Zm{_Vr ^r em{_b h¡, H$m nwZJ©R>Z g_`-g_` na
{ZdmaU ßboQ>\$m_© h¡ Omo ~r_m H§$n{Z`m|, CZHo$ EO|Q>m| Am¡a
~r_m bmoH$nmb àUmbr Ho$ H$m`©{ZînmXZ VWm g^r ~r_m
_Ü`d{V©`m| Ûmam ~r_m H$s g^r d¡`{º$H$ ì`dñWmAm|, gm_y{hH$
bmoH$nmbm| H$s H$m`©Hw$ebVm ~‹T>mZo go g§~§{YV AÝ` {df`m| H$s
~r_m nm{b{g`m|, EH$_mÌ ñdm{_Ëd dmbo Am¡a gyú_ CÚ_m| H$mo
g_rjm H$aZo Ho$ {bE àm{YH$aU Ho$ Ûmam 10.04.2024 H$mo
Omar H$s JB© nm{b{g`m| Ho$ g§~§Y _| EH$ Ëd[aV, {H$\$m`Vr
H$m`m©b` AmXoe g§X^© g§. AmB©AmaS>rEAmB©/nrnrEÊS>OrAma/
Am¡a {Zînj VarHo$ go Ag§Vwï> nm{bgrYmaH$m| H$s {eH$m`Vm| H$m grE_Q>r/67/4/2024 H$o Ûmam {H$`m J`m& `h g{_{V grAmBA© mo
g_mYmZ H$aZ oH$o CÔío ` H$o gmW ñWm{nV {H$`m J`m h&¡ bmHo $nmbm| Ho$ {bE _mJ©Xe©H$ {ZH$m` Ho$ ê$n _| H$m`© H$aVr h¡&
Ho$ nmg g^r ~r_mH$Vm©Am| Am¡a CZHo$ _Ü`d{V©`m| Ho$ {déÕ
II.8.4 ~r_m bmoH$nmb Ho$ {dñVma H$mo ì`mnH$ ~ZmZo Ho$ {bE
{eH$m`Vm| na {dMma H$aZo Ho$ {bE A{YXoe (_¢So>Q>)/e{º$ h¡&
~r_m bmoH$nmb {Z`_, 2017 H$m g§emoYZ 9 Zd§~a 2023 H$mo
dV©_mZ _|, 17 ~r_m bmoH$nmb Ho$ÝÐ ñWm{nV {H$`o J`o h¢ Omo
{H$`m J`m& _w»` g§emoYZ _| j{Vny{V© Ho$ {bE A{Y{ZU©` H$s
Ah_Xm~mX, ~|Jbyé, ^monmb, ^wdZoœa, M§S>rJ‹T>, MoÞ¡, {X„r,
am{e _| 30 bmI go 50 bmI VH$ d¥{Õ VWm ~r_m bmoH$nmb
JwdmhmQ>r, h¡Xam~mX, O`nwa, H$mo{ƒ, H$mobH$mVm, bIZD$,
Ûmam A{Y{ZU©`m| na {S>{OQ>b Vm¡a na hñVmja Eogm A{Y{ZU©`
_w§~B©, nwUo, nQ>Zm Am¡a ZmoES>m _| h¢²&
nm[aV H$aZo Ho$ {bE H$maUm| g{hV H$aZo Ho$ {bE AZw_{V XoZm
em{_b h¡&
II.8.2 nm{bgrYmaH$ H$mo {H$gr ^r {eH$m`V Ho$ g_mYmZ Ho$
{bE gd©àW_ g§~§{YV ~r_mH$Vm© Ho$ gmW g§nH©$ H$aZm Mm{hE²&
II.9 ~r_m g§K Am¡a ~r_m n[afX|
Ohm± {eH$m`V H$m g_mYmZ nm{bgrYmaH$ Ho$ nj _| Zht {H$`m
J`m hmo AWdm Am§{eH$ ê$n go nm{bgrYmaH$ Ho$ nj _| g_mYmZ OrdZ ~r_m n[afX
{H$`m J`m hm,o dhm ± ~r_mH$Vm © {eH$m`VH$Vm © H$m o CZH$o A{YH$ma-
II.9.1 OrdZ ~r_m n[afX (EbAmB© n[afX) ~r_m A{Y{Z`_,
joÌ Ho$ ~r_m bmoH$nmb H$m {ddaU (Zm_ Am¡a nVm) XoZo Ho$
1938 H$s Ymam 64J Ho$ AYrZ J{R>V ^maV _| n[aMmbZ
Ûmam _m_bm ~r_m bmoH$nmb Ho$ g_j bo OmZo Ho$ {bE gy{MV
H$aZodmbo g^r OrdZ ~r_mH$Vm©Am| H$m à{V{Z{YËd H$aZodmbm
H$aJo m& ~r_m bmHo $nmb H$m o Anrb H$s JB © {eH$m`Vm | H$m {ZnQ>mZ
EH$ gm§{d{YH$ {ZH$m` h¡&
EH$ A{Y{ZU©` (AdmS©>) Ho$ Ûmam {eH$m`V àmá hmoZo H$s
{dÎmr` df© 2023-24 Ho$ Xm¡amZ OrdZ ~r_m n[afX Ho$ Ûmam
VmarI go VrZ _hrZo H$s Ad{Y Ho$ A§Xa {H$`m OmVm h¡ VWm
{H$`o J`o H$m`©H$bmnm| H$m {ddaU {ZåZ{bpIV h¡&
Eogm A{Y{ZU©`/{ZU©` ~r_m H§$n{Z`m| Am¡a CZHo$ _Ü`d{V©`m|,
O¡gr pñW{V hmo, na ~mÜ`H$mar hmoJm&
96 Annual Report 2023-24i. {d{^Þ {d{Z`_m|, {Xem{ZX}em| Am¡a n[anÌm| H$mo gwajm nrE_Eg~rdmB© ~r_m `moOZm) ~r_m `moOZmAm| Ho$
gab Am¡a H$maJa ~ZmZo Ho$ {bE {d{Z`_ g_rjm {bE Xmdm| H$s {Z~m©Y `mÌm hoVw OZgwajm do~gmBQ>
g{_{V (AmaAmagr) Am¡a {d{^Þ Cn-g_yh àma§^ H$s h¡&
g_rjmYrZ df© Ho$ Xm¡amZ, OrdZ ~r_m n[afX H$m, v. AÝ` J{V{d{Y`m± :
gmYmaU ~r_m n[afX Ho$ gmW dV©_mZ {d{Z`m_H$ T>m±Mo
Cº$ n[afX àË`j Am¡a AàË`j H$am| go g§~§{YV {df`m|
H$s Om±M H$aZo Am¡a Cg_| n[adV©Zm| Ho$ {bE
na MMm© H$aZo Ho$ {bE OrdZ ~r_mH$Vm©Am| Ho$ H$a-
AmB©AmaS>rEAmB© H$mo gwPmd XoZo Ho$ {bE AmaAmagr
à_wIm| Ho$ gmW {Z`{_V ê$n go nañna g{H«$` {dMma-
Am¡a {d{^Þ Cn-g_yhm| Ho$ gmW H$m`© H$aZm Omar h¡&
{d_e© H$aVr h¡&
AmaAmagr Zo {dÎmr` df© 2022-23 _| AnZr {g\$m[aem|
H$m nhbm ^mJ àñVwV {H$`m h¡ VWm A~ _Ü`d{V©`m|
Cº$ OrdZ ~r_m n[afX ~r_m gwJ_, AmB©AmaS>rEAmB© Ûmam
({dVaU _mÜ`_) Ho$ gmW g§~§Y aIZodmbr {g\$m[aem|
~r_m g_mYmZm| Ho$ {bE n[aH$pënV EH$ B©-~mOma-ñWmZ, Ho$
Ho$ A§{V_ ^mJ H$mo A§{V_ ê$n XoZo H$s à{H«$`m _| h¡&
{dH$mg _| g{H«$` ê$n go g§~Õ h¡&
ii. ~r_m CÚmJo H$o AJg« aU H$o {bE n[adVZ© H$m`g© My r
gmYmaU ~r_m n[afX
OrdZ ~r_m n[afX Zo gmYmaU ~r_m n[afX Ho$ gmW
II.9.2 gmYmaU ~r_m n[afX (OrAmB ©n[afX) ^maV _ |gmYmaU,
~r_m joÌ Ho$ {dH$mg hoVw {d{^Þ n[adV©Zm| H$s H$m`©gyMr
ñdmñÏ` ~r_m ì`dgm` Am¡a nwZ~u_m ì`dgm` H$aZodmbo g^r
gwPmZo Ho$ {bE {d{^Þ {hVYmaH$m| Ho$ gmW nam_e© H$s
~r_mH$Vm©Am| H$m EH$ à{V{Z{Y {ZH$m` h¡, {OgH$m JR>Z ~r_m
à{H«$`m àma§^ H$s h¡& Ü`mZ Ho$pÝÐV {H$`o OmZodmbo joÌ
A{Y{Z`_, 1938 H$s Ymam 64J Ho$ Cn~§Ym| Ho$ AYrZ {H$`m
h ¢~M| _m{H$ªJ Ama¡ AV§ amb H$m {dûcfo U, ~r_m g_mdeo Z,
J`m h¡& 31 _mM© 2024 H$s pñW{V Ho$ AZwgma, 27 gmYmaU
{S>{OQ>b H$m`g© My r, VWm {d{YH$, {d{Z`m_H$ Ama¡ nO±y rJV
~r_m H§$n{Z`m± ({OZ_| 4 nrEg`y ~r_mH$Vm©, 21 {ZOr ~r_mH$Vm©
T>m±Mm&
Am¡a 2 {deofrH¥$V ~r_m H§$n{Z`m± em{_b h¢), 5 ñQ>¢S>-AbmoZ
ñdmñÏ` ~r_mH$Vm©, 1 nrEg`y nwZ~u_mH$Vm©, 12 {dXoer
iii. n[afX H$s do~gmBQ>…
nwZ~u_mH$Vm© emImE± (E\$Ama~rEg) gmYmaU ~r_m n[afX Ho$
n[afX H$s d~o gmBQ> _ | bJmVma gmp§»`H$s` S>oQ>m, ZdrZV_ gXñ` h¢²&
g_mMma Am¡a AÝ` gyMZm CnbãY H$amB© Om ahr h¡&
df© 2023-24 _| gmYmaU ~r_m n[afX Ho$ H$m`©H$bmn…
CgHo$ A{^H$ën H$mo AnJ«oS> H$aZo Am¡a Cgo
AmB©AmaS>rEAmB© Am¡a g^r OrdZ ~r_mH$Vm©Am| H$s
i. gmYmaU ~r_m n[afX AmB©AmaS>rEAmB© H$s "2047 VH$
do~gmBQ>m| Ho$ gmW A§Va-g§~Õ H$aZo Ho$ ~mX {d{^Þ
g~Ho$ {bE ~r_m' VWm ì`dgm` H$aZo H$s gwJ_Vm H$mo
^yJmobm| amï´>r` Am¡a A§Vaamï´>r` go {hQ>m| H$s g§»`m _|
gwgmÜ` ~ZmZo H$s nhb g{hV {d{^Þ {df`m| na
C„oIZr` ê$n _| d¥{Õ hþB© h¡&
AmB©AmaS>rEAmB© Ho$ gmW {Za§Va g§{bá h¡&
iv. OZgwajm do~gmBQ> H$m {dH$mg…
ii. ~r_m Ì`r n[a`moOZmAm| na, ~r_m H§$n{Z`m|,
nm{bgrYmaH$m|, Am¡a _Ü`d{V©`m| hoVw C{MV ajmonm`m| Ho$
OrdZ ~r_m n[afX Zo gmYmaU ~r_m n[afX Am¡a ^maVr`
gmW gwJ_Vmnyd©H$ ì`dgm` H$mo gwgmÜ` ~ZmZo Ho$ {bE
~¢H$ g§K Ho$ gmW nrE_OoOo~rdmB© (àYmZ _§Ìr OrdZ
~r_m B©-~mOma ñWmZ ~r_m gwJ_ ~Zm`m Om ahm h¡&
Á`mo{V ~r_m `moOZm) Am¡a nrE_Eg~rdmB© (àYmZ _§Ìr
Annual Report 2023-24 97iii. gmYmaU ~r_m n[afX Z o EH$ EH$b CËnmX, ~r_m {dñVma, EZS>rE_E Ho$ gmW g_Ýd` H$aVo hþE AmnXm ~r_m CËnmX
H$mo g_W© ~ZmZo Ho$ {bE Omo EH$ EH$b n[adma Ho$ {bE H$m {dH$mñ&
OrdZ, gmYmaU Am¡a d¡`{º$H$ XþK©Q>Zm H$daoO H$s
viii. gmYmaU ~r_m n[afX Zo g_ñV ^maV _| (n¡Z B§{S>`m)
Amdí`H$Vm nay r H$aJo m, {OgH$o {bE EH$ g_{nV© {dH$«`-
~r_m OmJê$H$Vm Am¡a {ejm A{^`mZ H$s à{H«$`m àma§^
~b Ho$ ê$n _| ~r_m dmhH$m| Ho$ _mÜ`_ go {dnUZ _|
H$s h¡ {OgH$m erK« hr ewê$ {H$`m OmZm àË`m{eV h¡&
{deofrH¥$V Ñ{ï>H$moU Ano{jV hmoJm, gaH$mar EO|{g`m|,
_Ü`d{V©`m| Am¡a AÝ` g§~Õ {ZH$m`m| Ho$ gmW nañna
ix. gmYmaU ~r_m n[afX, OrdZ ~r_m n[afX Am¡a ^maVr`
g{H«$` {dMma-{d_e© {H$`m&
~H¢ $ gK§ (AmB~© rE) H$o gmW g`§ ºw $ ê$n g o nrE_Eg~rdmB©
Am¡a nrE_OoOo~rdmB© `moOZmAm| Ho$ {bE EH$ ñWmZ na
iv. XmoZm| OrdZ ~r_m n[afX Am¡a gmYmaU ~r_m n[afX Ho$
àdoe Ho$ ê$n _| OZgwajm ßboQ>\$m_© Ho$ H$m`m©Ýd`Z na
à{V{Z{Y`m| go `wº$ {d{Z`m_H$ g_rjm g{_{V
H$m`© H$a ahr h¡ {Og_| Zm_m§H$Z, Xmdm| na H$ma©dmB©,
(AmaAmagr) Zo dV©_mZ {d{Z`m_H$ T>m±Mo H$s g_rjm
S>rAmB©dmB© `mÌmE±, Am¡a {eH$m`V {ZdmaU gpå_{bV
H$s VWm {Z`_-AmYm[aV go {gÕm§V-AmYm[aV ì`dñWm
h¢²& `h ßboQ>\$m_© So>Q>m {dûcofU Am¡a S>rE\$Eg H$mo
H$s Amoa A§VaU H$s {Xem _| Amdí`H$ AnZr A§VÑ©{ï>`m±
[anmo{Qª>J Ho$ {bE EH$ EH$b ñWmZ Ho$ ê$n _| ^r H$m_
CnbãY H$amBª²&
AmVm h¡& nhbo MaU _| 12 gaH$mar joÌ ~¢H$m| Zo AnZo
v. gmYmaU ~r_m n[afX dV©_mZ {hQ> EÊS> aZ XþK©Q>Zm {Z{Y g§~Õ gmYmaU Am¡a OrdZ ~r_mH$Vm©Am| Ho$ gmW, Omo
nyd© H$s _wAmdOm (gmobo{e`_) {Z{Y Ho$ à~§YH$ Ho$ én g^r nrE_Eg~rdmB© Am¡a nrE_OoOo~rdmB© nm{b{g`m| Ho$
_| {hQ> EÊS> aZ Xmdm| H$mo g§^mbZo, Cº$ {Z{Y H$m à~§Y bJ^J 80 à{VeV H$mo H$da H$aVo h¢, Cº$ ßboQ>\$m_©
H$aZo VWm Xoe ^a _| Eogr XþK©Q>ZmAm| go CËnÞ hmoZodmbo Ho$ gmW g_Ýd` {H$`m h¡ VWm g§nyU© (EÊS> Qy> EÊS>)
Xmdm| H$m ^wJVmZ H$aZo Ho$ {bE ZmoS>b EO|gr Ho$ ê$n _| narjU {Zînm{XV {H$`m Om ahm h¡&
Omar ahr&
II.10 ~r_m ~mOma go g§~§{YV AÝ` J{V{d{Y`m±
vi. gmYmaU ~r_m n[afX Zo ñdmñÏ` nm{b{g`m| Ho$ A§VJ©V
II.10.1 OrdZ, gmYmaU Am¡a ñdmñÏ` ~r_m I§S>m| Ho$ {bE
~‹T>Vo hþE ZH$Xra{hV Xmdm {ZnQ>mZm|, EH$ _§M Ho$ A§VJ©V
~mOma _ | {H$gr ^r Z` o CËnmX H$m o àma^§ H$aZ o H$o {bE àm{YH$aU
g^r AñnVmbm| H$s gm_mÝ` gyMr~ÕVm VWm C{MV Xa|
g_`-g_` na {d{Z`m_H$ T>m±Mo _| Amdí`H$ n[adV©Z CnbãY
à^m[aV H$aZo Ho$ g§~§Y _| AñnVmbm| Ho$ gmW g_Pm¡Vm
H$amVm h¡/H$aVm h¡&
dmVm©E± H$aZo Ho$ {bE à{H«$`m àma§^ H$s&
2023-24 Ho$ Xm¡amZ àm{YH$aU Ûmam AZw_mo{XV OrdZ, gmYmaU
vii. gmYmaU ~r_m n[afX {d{^Þ {df`m| Ho$ g§~§Y _| {dÎmr`
Am¡a ñdmñÏ` ~r_m CËnmXm| H$s ~r_m H§$nZr-dma Hw$b g§»`m
godmE± {d^mJ (S>rE\$Eg), {dÎm _§Ìmb` (E_AmoE\$)
AZw~§Y 7 _| Xr JB© h¡&
Ho$ gmW {Za§Va dMZ~ÕVm _| h¡, O¡go MH«$dmV Am¡a ~m‹T>
O¡gr àmH¥${VH$ {dnXmAm| g§~§Yr So>Q>m go g§~§{YV Xmdm|
H$m àñVwVrH$aU, Om{_Z ~m§S> ~mOma H$m {dH$mg VWm
98 Annual Report 2023-24à‘wIVmE±^mJ -
III
àm{YH$aU Ho$ gm§{d{YH$ Am¡a
{dH$mgmË_H$ H$m`©104 Annual Report 2023-24àm{YH$aU Ho$ gm§{d{YH$ Am¡a {dH$mgmË_H$ H$m`©
III.1 AmdoXH$ H$mo n§OrH$aU à_mUnÌ H$m {ZJ©_, Eogo n[anÌ Omar {H$`o h¢²& {deof ê$n go AmnmVr KQ>Zm Ho$ g§~§Y _|
n§OrH$aU H$m ZdrH$aU, AmemoYZ, àË`mhaU, {Zb§~Z gmYmaU ~r_mH$Vm©Am| H$mo ~‹S>r AmnmVr KQ>ZmAm| H$s pñW{V _|
AWdm {ZagZ Xmdm | H$o erKV« mndy H© $ {ZnQ>mZ H$m o g{wZ{üV H$aZ o H$o Ûmam à^m{dV
~r_mH¥$V OZVm H$s H${R>ZmB`m± H$_ H$aZo Ho$ {bE VËH$mb
AmB©AmaS>rEAmB© Zo AnZr {dH$mgmË_H$ ^y{_H$m Ho$ ^mJ Ho$
H$X_ CR>mZo Ho$ {bE gy{MV {H$`m J`m h¡& Omar {H$`o J`o
ê$n _|, ^maV _| ZB© ~r_m H§$n{Z`m| H$s ñWmnZm H$mo àmoËgm{hV
n[anÌm| H$s gyMr {ZåZmZwgma h¡…
H$aZo Ho$ {bE àdoe Ho$ _mZX§S>m| H$mo gab Am¡a H$maJa ~Zm`m
h¡& {d{^Þ ñVam| na g_rjm H$s à{H«$`m Ho$ Xm¡amZ Z`o AmdoXH$m| • AmB©AmaS>rEAmB©/EZEb/grAmB©Ama/OrS>rEb/122/
H$mo ghmam XoZo hoVw _mJ©Xe©Z Am¡a ghm`Vm CnbãY H$amZo Ho$ 06/2023 {XZm§H$ 5 OyZ 2023 Zo ~mbmgmoa, Amo{S>em
{bE àm{YH¥$V A{YH$m[a`m| Ho$ EH$ g_yh H$mo {Z`wº$ {H$`m J`m _| Xþ…IX aob XþK©Q>Zm Ho$ nr{‹S>Vm| Ho$ ~r_m Xmdm| Ho$ g§~§Y
h¡& BZ à`mgm| Ho$ n[aUm_ñdê$n, g_rjmYrZ df© _| _| {Xem{ZX}e {X`o&
AmBA© maS>rEAmB ©Z oVrZ ZB ©~r_m H$§n{Z`m |H$m onO§ rH$aU à_mUnÌ
• MH«$dmV {~naOm` go g§~§{YV ~r_m Xmdm| Ho$ g§~§Y _|
àXmZ {H$`m h¡& "Jmo {S>{OQ> bmB\$ B§í`moa|g H§$nZr {b{_Q>oS>'
AmB©AmaS>rEAmB©/ EZEb/ grAmB©Ama/{d{dY/122/
Zm_H$ EH$ OrdZ ~r_m H§$nZr H$mo n§OrH$aU à_mUnÌ àXmZ
06/2023 {XZm§H$ 16 OyZ 2023
{H$`m J`m& Bg OrdZ ~r_mH$Vm© Ho$ n[adY©Z Ho$ gmW,
31.03.2024 H$mo OrdZ ~r_mH$Vm©Am| H$s Hw$b g§»`m 26 hmo
• {h_mMb àXoe, n§Om~, h[a`mUm Am¡a {X„r joÌm| _|
JB© h¡& BgHo$ Abmdm, Xmo Z`o ñdmñÏ` ~r_mH$Vm©Am|, AWm©V²
~mT‹ > g o g~§ {§YV ~r_m Xmdm | H$o g~§ Y§ _ | AmBA© maS>rEAmB/©
Zmam`U hoëW B§í`moa|g {b{_Q>oS> H$mo n§OrH$aU à_mUnÌ 3
EZEb/grAmB©Ama/{d{dY/146/7/2023 {XZm§H$ 16
OZdar 2024 H$mo VWm J¡bŠgr hoëW EÊS> Abm`S> B§í`moa|g
OwbmB© 2023
H§$nZr {b{_Q>oS> H$mo n§OrH$aU à_mUnÌ 20 _mM© 2024 H$mo
Omar {H$`m J`m& Xmo Z`o ñdmñÏ` ~r_mH$Vm©Am| Ho$ n[adY©Z Ho$ • {g{¸$_ _| ~m‹T> go g§~§{YV ~r_m Xmdm| Ho$ g§~§Y _|
AmB©AmaS>rEAmB©/EZEb/ grAmB©Ama/ {d{dY/183/
gmW, Xoe _| n§OrH¥$V ñQ>¢S>AbmoZ ñdmñÏ` ~r_mH$Vm©Am| H$s
10/2023 {XZm§H$ 18 Aºy$~a 2023
Hw$b g§»`m 8 VH$ nhþ±M JB© h¡&
III.2 nm{bgr H$o g_ZXw eo Z, nm{bgrYmaH$m | Ûmam Zm_mH§ $Z,
• MH«$dmV {_MmD$§J Am¡a AZwdVu ^mar dfm© Am¡a ~m‹T> go
g~§ {§YV ~r_m Xmdm |H$o g~§ Y§ _ |AmBA© maS>rEAmB/© EZEb/
~r_m`mo½` {hV, ~r_m Xmdo H$m {ZnQ>mZ, nm{bgr Ho$
grAmB©Ama/{d{dY/215/12/2023 {XZm§H$ 9 {Xg§~a
Aä`{n©V _yë` Am¡a ~r_m g§{dXmAm| H$s AÝ` eVm] go
2023 Am¡a AmB©AmaS>rEAmB©/EZEb/grAmB©Ama/
g§~§{YV _m_bm| _| nm{bgrYmaH$m| Ho$ {hVm| H$m g§ajU
{d{dY/215/12/2023 {XZm§H$ 18 {Xg§~a 2023
AmB©AmaS>rEAmB© Zo nm{bgr Ho$ g_ZwXoeZ, nm{bgrYmaH$m| Ho$
Zm_m§H$Z Am{X Ho$ Vm¡a na nm{bgrYmaH$m| Ho$ g§ajU go g§~§{YV
III.3 _Ü`d{V©`m| AWdm ~r_m _Ü`d{V©`m| Am¡a EO|Q>m| Ho$
{bE Amdí`H$ `m½o `VmE,± AmMaU g{§ hVm Ama¡ ì`mdhm[aH$
{df`m| H$m g_mYmZ H$aZo Ho$ {bE g_`-g_` na {d{^Þ
à{ejU {d{Z{X©ï> H$aZm
Annual Report 2023-24 105III.3.1 1999 Ho$ AmB©AmaS>rE A{Y{Z`_ Ho$ AYrZ {d{Z`_ III.4.3 àm{YH$aU gd}jH$m| go gd}jU H$m`m] Ho$ {bE n¡Zb _|
gwñnï> ê$n go ~r_m ì`dgm` _| g^r _Ü`d{V©`m| Ho$ {bE em{_b hmoZo, ~r_m H§$n{Z`m| Ûmam gd}jU ewëH$ H$m ^wJVmZ Z
bmBg|grH$aU Am¡a AmMaU g§{hVm H$s AnojmE± {Z{üV H$aVo H$aZo, Am§V[aH$ gd}jH$m| Am¡a ì`nJV bmBg|gm| Ho$ YmaH$m| H$mo
h¢²& BZ {d{Z`_m| _| em{_b h¢ AmB©AmaS>rEAmB© (~r_m gd}jH$ AmB©AmB©AmB©EgEbE Ûmam gXñ`Vm H$mo AñdrH$ma H$aZo,
Am¡a hm{Z {ZYm©aH$) {d{Z`_, 2015, AmB©AmaS>rEAmB© (~r_m AmB©AmB©AmB©EgEbE Ûmam gXñ`Vm Ho$ ñVa go BZH$ma H$aZo
Xbmb) {d{Z`_, 2018, AmB©AmaS>rEAmB© ~r_m EO|Q>m| H$s Am{X Ho$ g§~§Y _| {eH$m`V| àmá H$aVm h¡& Eogr {eH$m`V|
{Z`w{º$) {d{Z`_, 2016 VWm AmB©AmaS>rEAmB© (H$manmoaoQ> g§~§{YV ~r_m H§$n{Z`m| Am¡a AmB©AmB©AmB©EgEbE H$mo CZHo$
EO|Q>m| H$m n§OrH$aU) {d{Z`_, 2015& ñVa na g_mYmZ Ho$ {bE AJ«o{fV H$s OmVr h¢²& nm{bgrYmaH$
^r gd}jU [anmoQ>© H$s à{V àmá Z hmoZo, gd}jU [anmoQ>© Omar
III.3.2 àm{YH$aU Z o n[anÌ g.§ AmBA© maSµ >rE/EZQ>r/grAmBQ© >r/
H$aZo _| {db§~, H$XmMma, AmB©AmaS>rEAmB© gd}jH$ {d{Z`_m|
Q>rEÊS>B©/136/07/2016 Omar H$aZo Ho$ Ûmam {d{Z`m_H$
Ho$ C„KZ Am{X na gd}jH$m|/ gd}jH$ \$_m] Ho$ {déÕ {eH$m`V
n`©dojU H$m g§dY©Z H$aZo Ho$ {bE EH$ {d{Z`m_H$ T>m±Mm
H$aVo h¢²& Eogr {eH$m`V| _wÔm| Ho$ Ëd[aV {ZnQ>mZ Ho$ {bE gd}jH$m|
ñWm{nV {H$`m h¡& `h n[anÌ {d{^Þ {dVaU _mÜ`_m| Ho$ {bE
Ho$ gmW CR>mB© OmVr h¢²& Cn`w©º$ Ho$ Abmdm, àm{YH$aU H$mo
à{ejU Ama¡ narjm H$s Amdí`H$VmAm | H$o g_w bo Z H$m g_mYmZ
gdj} H$m | Ama¡ H$manmao Qo > gdj} H$ \$_m ] H$o {déÕ {d{^Þ AmaQ>rAmB©
H$aVm h¡&
Am¡a g§X^© ^r àmá hmoVo h¢²& df© 2023-24 Ho$ Xm¡amZ
III.4 gd}jH$m| Am¡a hm{Z {ZYm©aH$m| Ho$ {bE AmMaU-
AmBA© maS>rEAmB © H$m o grnrOrAmaEE_Eg nmQo >b© na 57 {eH$m`V|
àmá hþBª, 64 (àma§{^H$ eof g{hV) H$m g_mYmZ {H$`m J`m h¡
g§{hVm {d{Z{X©ï> H$aZm
Am¡a 31 _mM© 2024 H$s pñW{V Ho$ AZwgma H$moB© {eH$m`V|
III.4.1 gd}jH$ Am¡a hm{Z {ZYm©aH$ Ho$ H$V©ì` Am¡a Xm{`Ëd
~H$m`m Zht h¢&
g_`-g_` na `Wmg§emo{YV AmB©AmaS>rEAmB© (~r_m gd}jH$
Ama¡ hm{Z {ZYma© H$) {d{Z`_, 2015 H$o AÜ`m` IV _ | {d{Z{Xï© > III.5 ~r_m ì`dgm` Ho$ g§MmbZ _| H$m`©Hw$ebVm H$mo
h¢& ~‹T>mdm XoZm
III.4.2 gd}jH$m| Am¡a hm{Z {ZYm©aH$m| Ho$ ì`mdgm{`H$ H$m`© Ho$ nm{bgrYmaH$m | H$o {hVm | H$m ga§ jU H$aZ o H$o à{V AnZr à{V~ÕVm
AmMaU Ho$ {bE ì`mdgm{`H$ Am¡a Z¡{VH$ AnojmAm| Ho$ g§~§Y _|, AmB©AmaS>rEAmB© Zo df© Ho$ Xm¡amZ {d{^Þ n[anÌ Omar {H$`o
_| AmMaU-g§{hVm Cº$ {d{Z`_m| Ho$ AÜ`m` VI _| {d{Z{X©ï> h¢²& {deof ê$n go, AmB©AmaS>rEAmB© H$_reZ Ho$ ^wJVmZ g§~§Yr
H$s JB© h¡ VWm {d{Z`_ 16 Bg g§{hVm H$mo g{dñVma à{Vnm{XV {d{Z`_m| Ho$ A§VJ©V, ~r_m H§$n{Z`m| go H$_reZ g§aMZmAm| Ho$
H$aVm h¡& g§~§Y _| ~moS©> Zr{V H$mo bmJy H$aZm àË`m{eV h¡& Bg ~moS©> Zr{V
106 Annual Report 2023-24H$s àË`m{eV ñWybVa ê$naoImAm| H$m {ddaU 31 _mM© 2023 A{YXoemË_H$ (_¢So>Q>ar) ~ZmVm h¡ {H$ do ~r_m _Ü`d{V©`m| Ho$
H$mo Omar {H$`o J`o _mJ©Xeu ZmoQ> _| {X`m J`m h¡& {bE H$_reZ g§aMZmAm| Ho$ g§~§Y _| EH$ gwñnï> Am¡a nmaXeu
~moS©> Zr{V aI|&
BgHo$ Abmdm, AmB©AmaS>rEAmB© Zo n§OrH$aU à_mUnÌ hoVw
AmdoXZ àñVwV H$aZo Ho$ {bE Ano{jV \$m_}Q>m| H$m {ddaU XoVo 1. CÔoí` Am¡a {gÕm§V… Cº$ Zr{V H$mo Mm{hE {H$ dh
hþE, ^maVr` ~r_m H§$n{Z`m| Ho$ n§OrH$aU g§~§Yr {dñV¥V _mñQ>a ñdñW à{VñnYm © H$m o ~T‹ >mdm X,o Jm«hH$m | H$s Amdí`H$VmAm|
n[anÌ Omar {H$`m h¡& gmB~a gwajm Ho$ ê$n _| ~r_m CÚmoJ Ûmam Ho$ gmW àmoËgmhZm| H$mo gw`mo{OV H$ao, Am¡a {H$\$m`Vr
gm_Zm H$s Om ahr ZB© MwZm¡{V`m| H$mo Ü`mZ _| aIVo hþE, {dVaU H$mo àmoËgm{hV H$ao&
AmB©AmaS>rEAmB© Zo {d{Z`{_V g§ñWmAm| H$s _hËdnyU© ~w{Z`mXr
2. {ZînjVm… H$_reZ g§aMZmAm| H$mo `h gw{Z{üV H$aVo
g§aMZm H$m g§ajU H$aZo Ho$ {bE gyMZm Am¡a gmB~a gwajm Ho$
hþE Adí` `w{º$`wº$ hmoZm Mm{hE {H$ J«mhH$m| AWdm
{df`m| na {Xem-{ZX}e Omar {H$`o h¢&
~r_mH$Vm©Am| H$mo AË`{YH$ bmJVm| Ho$ {~Zm _Ü`d{V©`m|
ñdmñÏ` g§~§Yr Xmdm| Ho$ {ZnQ>mZ H$mo gab Am¡a H$maJa ~ZmZo Ho$ {bE C{MV ê$n go j{Vny{V© H$s OmE&
Ho$ {bE, gmYmaU Am¡a ñdmñÏ` ~r_m H§$n{Z`m| go ñdmñÏ`
3. AÀN>r {dVaU nÕ{V… Cº$ Zr{V H$mo CZ nÕ{V`m| H$mo
Xmdm {d{Z_` àUmbr H$mo AnZmZo Ho$ {bE H$hm J`m h¡&
àmoËgm{hV H$aZm Mm{hE Omo J«mhH$ g§Vmof, ~mOma A§e
g_mdoer ~r_m H$mo ~‹T>mdm XoZo Ho$ AnZo bú` Ho$ AZwê$n,
Am¡a {d{Z`m_H$ AZwnmbZ _| d¥{Õ H$a|&
AmB©AmaS>rEAmB© ~r_m Ì`r H$m AZwgaU H$a ahm h¡, {Og_|
~r_m dmhH$, EH$ Zmar-Ho$pÝÐV ~r_m {dVaU _mÜ`_ em{_b 4. {Z`{_V g_rjm… H$_reZ g§aMZm H$s g_rjm boIm-
h¡& Aºy$~a 2023 _| Omar {H$`o J`o ~r_m dmhH$ {Xem{ZX}e, narjm g{_{V H$o Ûmam CgH$s à^mdH$m[aVm, H$m`H© $webVm,
~r_m nhþ±M _| d¥{Õ H$aZo hoVw ~r_m dmhH$m| H$s {Z`w{º$ H$aZo Ho$ Am¡a J«mhH$m| H$s Amdí`H$VmAm| Ho$ gmW CgHo$ gw_obZ
{bE ~r_m H§$n{Z`m| H$mo g_W© ~ZmVo h¢& H$m {ZYm©aU H$aVo hþE dm{f©H$ ê$n go H$s OmZr Mm{hE&
df© Ho$ Xm¡amZ Omar {H$`o J`o {d{^Þ n[anÌm| Ho$ g§~§Y _| {dñV¥V 5. ~mOma ì`dhma… A{^emgZ ì`dñWmAm| H$mo Mm{hE
gyMZm ZrMo Xr JB© h¡… {H$ do Cƒ Z¡{VH$ _mZH$m| H$mo gw{Z{üV H$a| Am¡a g§^m{dV
{hV-g§Kfm] H$m g_mYmZ H$a|&
III.5.1 _mJ©Xeu ZmoQ> H$_reZ g§aMZm na ~r_mH$Vm© H$s
~moS©> Zr{V n[anÌ AmB©AmaS>rEAmB©/ AmB©EZQ>r/ 6. {ZJamZr Am¡a [anmoQ>ªJ… H$_reZ g§aMZmAm| Ho$
grAmB©Ama/{d{dY/82/3/2023 {XZm§H$ 31 _mM© 2023 H$m`{©ZînmXZ Ama¡ AZnw mbZ H$o g~§ Y§ _ | {Z`{_V [anm{oQ>ªJ
~moS©> Am¡a d[að> à~§YZ H$mo H$aZm Ano{jV h¡&
~r_m A{Y{Z`_, 1938 H$s Ymam 34, AmB©AmaS>rE A{Y{Z`_,
1999 H$s Ymam 14(2)(L) VWm AmB©AmaS>rEAmB© (H$_reZ 7. à`moÁ`Vm… ZB© H$_reZ g§aMZmE± CZ nm{b{g`m| na
H$m ^wJVmZ) {d{Z`_, 2023 Ho$ {d{Z`_ 8 H$s e{º$`m| Ho$ bmJy Zht h¢ Omo nhbo go Omar H$s Om MwH$s h¢&
AYrZ Omar {H$`m J`m Cº$ n[anÌ ~r_mH$Vm©Am| Ho$ {bE `h
Annual Report 2023-24 107g_J« ê$n go, H$_reZ g§aMZm H$mo Mm{hE {H$ dh {Zînj Am¡a `o {Xem{ZX}e ì`dgm` {Za§VaVm à~§Y Am¡a AmnXm g_wËWmZ
T>m±Mo H$s ñWmnZm H$aZo Ho$ {bE ^r ì`dñWm H$aVo h¢&
nmaXeu nÕ{V`m| H$mo ~‹T>mdm X| Omo nm{bgrYmaH$m| Ho$ {hVm| H$m
g§ajU H$aVr h¢ Am¡a ~r_m ì`mnZ H$mo àmoËgm{hV H$aVr h¢&
III.5.3.3 AmB©AmaS>rEAmB© _| gmB~a g§H$Q> H$m à~§Y à^mdr
T>§J go H$aZo Ho$ {bE, g§H$Q> Ho$ Xm¡amZ g§H$Q> Ho$ à{V{H«$`mñdê$n
III.5.2 ^maVr` ~r_m H§$nZr Ho$ n§OrH$aU g§~§Yr _mñQ>a
H$ma©dmB`m| H$m g_Ýd` H$aZodmbr EH$ gmB~a g§H$Q> à~§Y Q>r_
n[anÌ, 2023 AmB©AmaS>rEAmB©/ E\$EÊS>AmB©/
g{hV {d{^Þ {hVYmaH$m| H$s ^y{_H$mAm| Am¡a Xm{`Ëdm| H$mo ñnï>
grAmB©Ama/AmaAmB©gr/90/4/2023 {XZm§H$ 24 Aà¡b
ê$n go {Z{üV H$aZodmbr EH$ ì`mnH$ gmB~a g§H$Q> `moOZm
2023
bmJy H$s JB© h¡&
Cº$ _mñQ>a n[anÌ AmB©AmaS>rEAmB© (^maVr` ~r_m H§$n{Z`m|
BgHo$ Abmdm, AmB©AmaS>rEAmB© H$s gyMZm gwajm Zr{V /
H$m nO§ rH$aU) {d{Z`_, 2022 H$o AV§ JV© {d{^Þ \$m_m,] Cn~Y§ m|
à{H$«`mAm |H$o ^mJ H$o ê$n _ |{dnXm hmZo oH$s pñW{V _ |ì`mdgm{`H$
Am¡a ñnï>rH$aUm| H$mo {d{Z{X©ï> H$aZo Ho$ {bE Omar {H$`m J`m&
n[aMmbZm| H$s {Za§VaVm H$mo gw{Z{üV H$aZo Ho$ {bE gyMZm
III.5.3 AmB©AmaS>rEAmB© gyMZm Am¡a gmB~a gwajm gwajm H$s AnojmE± ñWm{nV H$s JB© h¢²&
{Xem{ZX}e, 2023 AmB©AmaS>rEAmB©/ OrEEÊS>EMAma/
III.5.4 H«o${S>Q> H$mS>m] Ho$ _mÜ`_ go F$Um| H$s MwH$m¡Vr H$s
OrS>rEb/{d{dY/88/04/2023 {XZm§H$ 24 Aà¡b 2023
gw{dYm amoH$Zo Ho$ {bE AZwXoe AmB©AmaS>rEAmB©/OrdZ/
III.5.3.1 Cº$ gyMZm Am¡a gmB~a gwajm {Xem{ZX}e, 2023 grAmB©Ama/{d{dY/99/5/2023 {XZm§H$ 3 _B© 2023
~r_mH$Vm©Am| go Anojm H$aVo h¢ {H$ do _hm_mar, `wÕ, AmnmV
pñW{V`m| Am¡a àmH¥${VH$ {dnXmAm| Am{X O¡gr KQ>ZmAm| Ho$
III.5.4.1 g^r ~r_mH$Vm©Am| H$mo nm{b{g`m| H$s O_mZV na
{b`o J`o F$Um| H$s H«o${S>Q> H$mS>m] Ho$ _mÜ`_ go ^wJVmZ H$mo
Xm¡amZ g§ñWm Ho$ g^r _w»` H$m`m] go g§gmYZm| H$mo g§~Õ H$aVo
ñdrH$ma H$aZm g_má H$aZo Ho$ {bE gy{MV {H$`m J`m h¡&
hþE EH$ g§H$Q> à~§Y g{_{V H$m JR>Z H$a|²& `h g{_{V Eogr
KQ>ZmAm| Ho$ Xm¡amZ {ZU©`m| H$m n[aMmbZ Am¡a H$m`©{ZînmXZ
III.5.5 ñdmñÏ` Xmdm Ho$ÝÐ (EMgrEŠg) {d{e{ï>`m| VWm
H$aZo Ho$ {bE g§emo{YV à{H«$`mAm|, Ano{jV àm¡Úmo{JH$s Am¡a
B©-Xmdm _mZH$m| Ho$ narjU Am¡a A§JrH$aU g§~§Yr n[anÌ
H$m{_©H$m| Ho$ g§~§Y _| {dMma-{d_e© H$aoJr& gyMZm gwajm H$m`©
AmBA© maS>rEAmB/© EMEbQ>r/grAmBA© ma/{d{dY/124/6/
g{hV OmpoI_ à~Y§ H$m` © Ego r pñW{V`m | _ | OmpoI_m | H$m n[aVbw Z
2023 {XZm§H$ 8 OyZ 2023
(H$moboeZ) H$aoJm VWm Bgo g§H$Q> à~§Y g{_{V Ho$ AZw_moXZ Ho$
{bE àñVwV H$aoJm& AmB©AmaS>rEAmB© Zo nm{bgrYmaH$m| Ho$ {bE P§PQ>-a{hV Xmdm
AZw^d gw{Z{üV H$aZo Ho$ {bE amï´>r` ñdmñÏ` Xmdm Ho$ÝÐ àma§^
III.5.3.2 Cn`w©º$ {Xem{ZX}e Bg g§~§Y _| gQ>©-BZ / amï´>r`
H$aVo hþE n[anÌ AmB©AmaµS>rEAmB©/EMEbQ>r/ grAmB©Ama/
_hËdnyU© gyMZm ~w{Z`mXr g§aMZm g§ajU Ho$ÝÐ
{d{dY/124/6/2023 Omar {H$`m h¡& Bg n[anÌ Ho$ g§~§Y _|
(EZgrAmB©AmB©nrgr) Ûmam Omar {H$`o J`o {Xem{ZX}em| Ho$
~mŠg _X III.1 _| {dñVma go MMm© H$s JB© h¡&
AZwnmbZ _| V¡`ma H$s OmZodmbr gmB~a g§H$Q> à~§Y `moOZm
(grgrE_nr) Ho$ {bE ^r ì`dñWm H$aVo h¢²& BgHo$ Abmdm, III.5.6 OrdZ ~r_m CËnmXm| Ho$ {bE `yµO EÊS> \$mBb
{H$gr ~‹S>r KQ>Zm H$s pñW{V _| joÌ-dma à{V{H«$`m H$mo gwgmÜ` à{H«$`m AmB©AmaS>rEAmB©/EgrQ>rEb /grAmB©Ama/
~ZmZo Ho$ {bE AÝ` g§ñWmAm| Ho$ gmW gyMZm H$mo gmPm H$aZo nrAmaAmo/135/6/2023 {XZm§H$ 19 OyZ 2023
H$s ì`dñWmAm| H$m Cn`w©º$ `moOZm _| àboIrH$aU H$aZm hmoJm&
108 Annual Report 2023-24III.5.6.1 AmB©AmaS>rEAmB© Zo OrdZ ~r_m CËnmXm| Ho$ {bE Bgr n[anÌ _| AmB©AmaS>rEAmB© Ûmam dV©_mZ {d`mo{OV {Z{Y
"`yµO EÊS> \$mBb' à{H«$`m _| AmemoYZ em{_b {H$`o h¢ VWm nhMmZ g§»`m (EgE\$AmB©EZ) H$s AZw_{V H$s à{H«$`m g_má
Cº$ à{H«$`m _| OrdZ ~r_m CËnmXm| H$s A{V[aº$ lo{U`m| Ho$ H$s JB© h¡& VWm{n, ~r_mH$Vm© àË`oH$ {d`mo{OV {Z{Y, Ed§
g_mdoe Ho$ gmW "`yµO EÊS> \$mBb' Ho$ Xm`ao H$m {dñVma ^r `y{ZQ> gh~Õ ~r_m `moOZm (`y{bn) H$s à~§YZmYrZ AmpñV`m|
{H$`m h¡& Cº$ AmemoYZ OrdZ ~r_m CËnmXm| Ho$ ì`mnZ H$m Ho$ g§~§Y _| AmB©AmaS>rEAmB© ({Zdoe) {d{Z`_, 2016 Ho$
g§dY©Z H$aZo Am¡a CZH$s nhþ±M-`mo½`Vm _| gwYma bmZo _| ~r_m {d{Z`_ 9 Ho$ AZwgma g^r {ddoH$nyU© Am¡a EŠgnmoµOa _mZX§S>m|
CÚmoJ H$s ghm`Vm H$aVo h¢²& `h OrdZ ~r_m CËnmXm| Ho$ ì`mnZ H$m AZwnmbZ gw{Z{üV H$a|Jo&
H$m g§dY©Z H$aZo Am¡a CZH$s nhþ±M-`mo½`Vm _| gwYma bmZo _|
~r_m CÚmoJ H$s ghm`Vm H$aZo Ho$ {bE h¡&
Annual Report 2023-24 109~mŠg III.1
amï´>r` ñdmñÏ` Xmdm EŠgM|O (EZEMgrEŠg) {Z~m©Y Xmdm AZw^d H$s Amoa
ñdmñÏ` ~r_m Xmdm| H$m {ZnQ>mZ ZH$Xra{hV {ZnQ>mZ Ho$ ê$n _| AWdm à{Vny{V© Ho$ Ûmam {H$`m Om ahm h¡& dV©_mZ _|, AñnVmbm| Am¡a
~r_mH$Vm©Am| Ho$ ~rM g§Mma Am¡a gyMZm/XñVmdoOm| H$m AmXmZ-àXmZ B©-_obm|, nmoQ>©bm| Am¡a g§Xoe H$s AÝ` nÕ{V`m| Ho$ _mÜ`_ go
hmo aho h¢²& AñnVmbm| Am¡a ~r_mH$Vm©Am| Ho$ {bE gyMZm H$s gmPoXmar H$aZo hoVw EH$ gm_mÝ` àUmbr Ho$ A^md Ho$ H$maU Xmdm
AZw_moXZm| (nyd©-àm{YH$aU, ZH$Xra{hV, Am¡a à{Vny{V©) H$s J{V Yr_r hmo OmVr h¡&
Bg g_ñ`m H$m g_mYmZ H$aZo Ho$ {bE, AmB©AmaS>rEAmB©, amï´>r` ñdmñÏ` àm{YH$aU VWm ñdmñÏ` Am¡a n[adma H$ë`mU _§Ìmb`,
^maV gaH$ma Ho$ g§`wº$ H$m`©-Xb Zo Am`wî_mZ ^maV {S>{OQ>b ñdmñÏ` {_eZ (E~rS>rE_) H$m`©H«$_ Ho$ A§VJ©V EH$ amï´>r` ñdmñÏ`
Xmdm Ho$ÝÐ H$mo {dH${gV H$aZo H$s {g\$m[ae H$s h¡& `h Ho$ÝÐ _mZH$sH¥$V Am¡a A{YH$ VoO ~r_m Xmdm àg§ñH$aU H$mo g_W© ~Zm`oJm
Omo ~ohVa amoJr AZw^d Am¡a KQ>r hþB© n[aMmbZ bmJV _| n[aUV hmoJm& Cº$ ñdmñÏ` Xmdm Ho$ÝÐ {d{eï>rH$aU EH$ g§Mma Z`mMma
(àmoQ>moH$mb) h¡ Omo ~r_mH$Vm©Am|, AÝ` nj à~§YH$m| (Q>rnrE), ñdmñÏ`ajm àXmVmAm| (AñnVmbm|) Am¡a AÝ` g§~§{YV g§ñWmAm|
Ho$ ~rM ñdmñÏ` Xmdm gyMZm Ho$ {d{Z_` H$mo gwgmÜ` ~ZmVm h¡&
EZgrEMEŠg H$s {deofVmE± {ZåZmZwgma h¢ :
• `h A§Va-n[aMmbZr`Vm Ho$ {bE Iwbo _mZH$m| Am¡a Iwbo EnrAmB©Eg Ho$ AmYma na A{^H$pënV h¡&
• `h A{^H$ën Ho$ Ûmam gwa{jV Am¡a JmonZr`Vm H$m n[aajH$ h¡&
• `h g^r ZH$Xra{hV Am¡a à{Vny{V© Xmdm| Ho$ {bE ñdmñÏ` Xmdm gyMZm Ho$ AmXmZ-àXmZ H$mo gwgmÜ` ~ZmVm h¡&
ñdmñÏ` ~r_m ì`dgm` H$aZo dmbr g^r gmYmaU ~r_m H§$n{Z`m± AmB©AmaS>rEAmB© Ho$ nmg n§OrH¥$V Q>rnrEEg g{hV, EZEMgrEŠg
Ho$ gmW g_pÝdV h¢²& ~r_mH$Vm©Am| Am¡a Q>rnrEEg Zo g¢S>~mŠg _| AnZo narjU H$mo nyam {H$`m h¡ VWm do CËnmXZ _| AJ«ga hmoZo
H$s à{H«$`m _| h¢²&III.5.7 gamoJogr A{Y{Z`_, 2021 Am¡a ghm`Vm àmá CÎmaXm`r hm|Jr& àË`oH$ ~r_mH$Vm© Ho$ nmg n[afXm| Ho$ Ûmam
OZZr` àmoÚmo{JH$ (EAmaQ>r) A{Y{Z`_, 2021 VWm g§`wº$ ê$n go {ZYm©[aV _mZH$m| Ho$ AZwgma ~r_m dmhH$m| go
CZHo$ AYrZ g§JV {Z`_… g§~§{YV {df`m| Ho$ g§~§Y _| ~moS©> Ûmam AZw_mo{XV Zr{V hmoJr&
àË`oH$ amÁ` / g§K amÁ`joÌ Ho$ AJ«Ur ~r_mH$Vm© J«m_ n§Mm`Vm|
AmB©AmaS>rEAmB© Zo n[anÌ AmB©AmaS>rEAmB©/OrdZ/
Ho$ A{YH$V_ H$daoO H$mo gw{Z{üV H$aZo Ho$ {bE g§gmYZm| H$m
grAmB©Ama/nrAmaAmo/138/6/2023 {XZm§H$ 26 OyZ 2023
{d{Z`moOZ H$a|Jo& àË`oH$ ~r_mH$Vm© g^r ~r_m dmhH$m| Ho$ gmW
Ho$ Ûmam g^r OrdZ ~r_mH$Vm©Am| H$mo VËH$mb à^md go gamoJogr
{Z~m©Y B§Q>a\o$g H$mo g_W© ~ZmZo Ho$ {bE Cn`wº$ àUm{b`m±,
A{Y{Z`_, 2021 H$s YmamAm| 2(1)(W) Am¡a EAmaQ>r
à{H«$`mE±, Am§V[aH$ {Z`§ÌU Am¡a ~w{Z`mXr g§aMZm bmJy H$aoJm&
A{Y{Z`_, 2021 H$s Ymam 22(4)(ii) H$mo Ü`mZ _| aIVo hþE
Cn^moº$m g§ajU Cnm`m| Ho$ ^mJ Ho$ ê$n _| àË`oH$ ~r_mH$Vm©
Cº$ gamoJogr A{Y{Z`_, 2021 Am¡a EAmaQ>r A{Y{Z`_,
àË`oH$ J«m_ n§Mm`V Ho$ EH$ {ZH$Q>V_ ñWmZr` H$m`m©b` H$s
2021 H$m AZwnmbZ H$aZo Ed§ `h gw{Z{üV H$aZo Ho$ {bE
nhMmZ H$aJo m VWm Ego oH$m`mb© ` _ |EH$ {eH$m`V à~Y§ A{YH$mar
gy{MV {H$`m h¡ {H$ Cn`wº$ CËnmX CnbãY H$am`o OmE±²&
H$mo àm{YH¥$V H$aoJm&
III.5.8 ~r_m dmhH$ {Xem{ZXe} AmBA© maSµ >rEAmB/© OrdZ/
III.5.9 àmBdoQ> H$ma nm{bgr _| EH$ A§V{Z©{hV H$daoO Ho$
grAmB©Ama/OrS>rEb/174/10/2023 {XZm§H$ 9 Aºy$~a
ê$n _| AmB©E_Q>r-29 Ho$ A§VJ©V H$daoO, àr{_`_ Ho$
2023
^wJVmZ H$mo A{YXoemË_H$ H$aZm AmB©AmaS>rEAmB©/
EZEb/grAmB©Ama/ _moQ>a/178/10/2023-24 {XZm§H$
III.5.8.1 àm{YH$aU Zo g§X^©… AmB©AmaS>rEAmB©/OrdZ/
18 Aºy$~a 2023
grAmBA© ma/OrS>rEb/174/10/2023 H$o Ûmam AmBA© maS>rEAmB©
(~r_m dmhH$) {Xem{ZX}e, 2023 {XZm§H$ 9 Aºy$~a 2023
III.5.9.1 Cº$ n[anÌ EH$ {ZOr H$ma nm{bgr _| EH$ A§V{Z©{hV
Omar {H$`o h¢²& `o {Xem{ZX}e ~r_m {dñVma, EH$ ì`mnH$ ~r_m
H$da Ho$ ê$n _| {Z`moº$m Ho$ dmhZ _| `mÌm H$aZo dmbo Am¡a/`m
CËnmX Omo `Wmg_` Omar {H$`m OmEJm, Ho$ àma§^ H$s VmarI go
{Z`mºo $m H$o dmhZ H$m o MbmZdo mb,o ~r_mH$¥V ì`{º$ H$o H$_M© m[a`m|
àd¥Îm hm|Jo&
Ho$ à{V {d{YH$ Xm{`Ëd Ho$ H$daoO H$mo A{YXoemË_H$ (_¢So>Q>ar)
~ZmZo Ho$ {bE _mZZr` _Ðmg Cƒ Ý`m`mb` Ho$ {ZXoe Ho$
BZ {Xem{ZX}em| H$m CÔoí` àË`oH$ Jm±d Am¡a J«m_ n§Mm`V _|
AZwnmbZ _| Omar {H$`m J`m& nyd© _|, `hr H$ddoO A{V[aº$
~r_m g_mdoe Am¡a OmJê$H$Vm _| gwYma bmZo Ho$ {bE EH$
àr{_`_ Ho$ gmW, ApIb ^maVr` _moQ>a àewëH$ Ho$ AmB©E_Q>r
Zmar-Ho$pÝÐV {dVaU _mÜ`_ {Z{_©V H$aZm, VWm CgHo$ Ûmam
29 Ho$ A§VJ©V EH$ d¡H$pënH$ H$da Ho$ ê$n _| CnbãY Wm&
V¥U_yb ñVa na ~r_m H$s nhþ±M-`mo½`Vm Am¡a CnbãYVm _|
gwYma bmZm h¡& g^r ~r_mH$Vm© ~r_m dmhH$m| H$s {Z`w{º$ H$a|Jo
Cº$ _mZZr` Cƒ Ý`m`mb` Zo {Q>ßnUr H$s h¡ {H$ XþK©Q>Zm H$s
VWm do AnZo Ûmam {Z`wº$ ~r_m dmhH$m| Ho$ g^r H$m`m] Am¡a
pñW{V _|, `{X {Z`moº$mAm| Zo Cº$ H$da Ho$ {bE {dH$ën Zht
AmMaU Ho$ {bE CÎmaXm`r hm|Jo& ~r_m dmhH$ hñVYm[aV
{X`m hmo, Vmo {Z`moº$m Ho$ dmhZ _| `mÌm H$aZo dmbo Am¡a/`m
BboŠQ´>m{ZH$ g§Mma CnH$aUm| H$m à`moJ H$aVo h¢ Omo grYo
MbmZo dmbo H$_©Mm[a`m| H$mo {Z`moº$mAm| Ho$ Ûmam {d{YH$ Cn~§Ym|
~r_mH$Vm©Am| Ho$ BboŠQ´>m{ZH$ ßboQ>\$m_m] Ho$ gmW g_pÝdV h¢²&
H$o AZgw ma j{Vn{yV © Zht H$s JB © Wr& Bg H$da H$m o A{YXeo mË_H$
n[afX| ~r_m dmhH$m| Ho$ {bE bmJy n[aMmbZ Am¡a AmMaU
~ZmZo Ho$ Ûmam {Z`moº$m H$s H$ma _| `mÌm H$aZo dmbo nr{‹S>V
_mZH$m| Ho$ gm_mÝ` goQ> ñWm{nV H$aZo Ho$ {bE g§`wº$ ê$n go
H$_©Mmar ~r_m Ho$ Xmdo Ho$ ê$n _| g_` na j{Vny{V© àmá H$a|Jo&
Annual Report 2023-24 111III.5.10 gmYmaU ~r_m nm{b{g`m| _| {ddmMZ I§S> H$m ~r_m H§$n{Z`m| H$mo nam_e©H$ (AS>dmBµOar) Omar {H$`m J`m h¡
ge§ mYo Z AmBA© maS>rEAmB/© EZEb/ grAmBA© ma/{d{dY/ {H$ do E_AmoAmaQ>rEM H$s A{YgyMZmAm| H$m AZwnmbZ H$a|
188/10/2023 {XZm§H$ 27 Aºy$~a 2023 VWm Cn`w©º$ A{YgyMZmAm| _| {ZYm©[aV à{H«$`mAm| Ho$ gwMmé
H$m`m©Ýd`Z Ho$ {bE Amdí`H$ ì`dñWmE± H$a|&
III.5.10.1 AmBA© maS>rEAmB © Z o gmYmaU ~r_m CÚmJo _ | ì`dgm`
H$s {d{^Þ ì`dñWmAm| _| àM{bV dV©_mZ {ddmMZ I§S> H$s III.5.12 g^r àewëH$m| H$s A{YgyMZm H$m {ZañVrH$aU
ì`mnH$ g_rjm H$s h¡& {d{^Þ {hVYmaH$m| Ho$ gmW nam_e© H$aZo AmB©AmaS>rEAmB©/OZ.B§í`moa|g/ àewëH$/13/207/2024
Ho$ Cnam§V VWm {ddmMZ à{H«$`m _| g§~Õ CƒVa bmJVm| Am¡a {XZm§H$ 20 _mM© 2024
IwXam nm{bgrYmaH$m| Ho$ {bE {ddmX Ho$ g_mYmZ hoVw d¡H$pënH$
AmBA© maS>rEAmB © Z o ~mOma IS§ >m | H$s g^r l{oU`m | H$m o Amdí`H$Vm
\$moa_m| H$s CnbãYVm H$mo Ü`mZ _| aIVo hþE, AmB©AmaS>rEAmB©
Ho$ AZwê$n ~Zm`o J`o ~r_m CËnmXm| H$s {Z~m©Y CnbãYVm H$mo
Zo n[anÌ AmB©AmaS>rEAmB©/EZEb/grAmB©Ama/{d{dY/188/
~‹T>mdm XoZo Ho$ ^mJ Ho$ ê$n _| gmYmaU ~r_m CËnmXm| H$s {d{^Þ
10/2023 {XZm§H$ 27 Aºy$~a 2023 Ho$ Ûmam gmYmaU ~r_m
ì`dñWmAm| go g§~§{YV àewëH$m| H$s A{YgyMZm H$mo {ZañV
nm{b{g`m| _| {ddmMa I§S> H$m g§emoYZ {ZåZmZwgma {H$`m h¡…
{H$`m h¡& Bg {df` _| ~mŠg _X III.2 _| {dñVma go MMm© H$s
H$) ì`dgm` H$s IwXam ì`dñWmAm| Ho$ A§VJ©V Omar H$s JB© JB© h¡&
g^r nm{b{g`m| _| H$moB© {ddmMZ I§S> Zht hmoJm&
III.6 ~r_m Am¡a nwZ~u_m ì`dgm` Ho$ gmW g§~Õ
I) ì`dgm` H$s dm{UpÁ`H$ ì`dñWmAm| Ho$ A§VJ©V Omar ì`mdgm{`H$ g§JR>Zm| H$m g§dY©Z Am¡a {d{Z`_Z H$aZm
H$s JB© g^r nm{b{g`m| _| {ddmMZ I§S> hmoJm&
III.6.1 ^maVr` ~r_m gd}jH$ Am¡a hm{Z {ZYm©aH$ g§ñWmZ
III.5.11 _moQ>a dmhZ (g§emoYZ) A{Y{Z`_, 2019 H$mo (AmB©AmB©AmB©EgEbE)
Ü`mZ _| aIVo hþE g‹S>H$ n[adhZ Am¡a amO_mJ© _§Ìmb`
^maVr` ~r_m gd}jH$ Am¡a hm{Z {ZYm©aH$ g§ñWmZ
(E_AmoAmaQ>rEM) H$s A{YgyMZmAm| H$m AZwnmbZ
(AmB©AmB©AmB©EgEbE) ~r_m A{Y{Z`_, 1938 H$s Ymam
AmB©AmaS>rEAmB©/EZEb/grAmB©Ama/_moQ>a/2/1/2024
64`yE_ Ho$ AZwgma J{R>V gd}jH$m| Am¡a hm{Z {ZYm©aH$m| H$m
{XZm§H$ 8 OZdar 2024
EH$ ì`mdgm{`H$ {ZH$m` h¡& `h g§ñWmZ AmB©AmaS>rEAmB© Ho$
III.5.11.1 _moQ>a dmhZ (g§emoYZ) A{Y{Z`_, 2019 _moQ>a Ûmam AmB©AmaS>rE A{Y{Z`_, 1999 H$s Ymam 14(2)(M) Ho$
XþK©Q>Zm nr{‹S>Vm| H$mo j{Vny{V© Ho$ Ëd[aV ^wJVmZ H$mo g_W© ~ZmVo AYrZ àd{V©V {H$`m J`m Wm Am¡a H§$nZr A{Y{Z`_, 2013
hþE n[adV©Z bm`m Wm& BZ g§emoYZm| H$mo Ü`mZ _| aIVo hþE, H$s Ymam 8 Ho$ AYrZ {ZJ{_V {H$`m J`m Wm& AmB©AmaS>rE
g‹S>H$ n[adhZ Am¡a amO_mJ© _§Ìmb` (E_AmoAmaQ>rEM) Zo A{Y{Z`_, 1999 H$s Ymam 14(2)(M) ~r_m Am¡a nwZ~u_m
_moQ>a dmhZ XþK©Q>Zm {Z{Y Ho$ {Z_m©U Am¡a AZwajU, àhma H$a ì`dgm` go g§~§{YV ì`mdgm{`H$ g§JR>Zm| H$m àdV©Z Am¡a
^mJZo H$s KQ>ZmAm| Ho$ nr{‹S>Vm| H$mo j{Vny{V© VWm _moQ>a dmhZ {d{Z`_Z H$aZo go g§~§{YV h¡&
XKþ Q© >ZmAm | H$s OmM± H$o {bE à{H$«`m H$o g~§ Y§ _ | VrZ A{YgMy ZmE±
Omar H$s h¢&
112 Annual Report 2023-24III.6.2 ^maVr` ~r_m Xbmb g§K (AmB©~rEAmB©) `h g§K ~r_m Xbmb gXñ`m| Ho$ ~rM nañna g{H«$`Vm H$mo
~‹T>mdm XoVm h¡ VWm CZH$mo kmZ Am¡a H$m¡eb H$m ñVa ~‹T>mZo
^maVr` ~r_m Xbmb g§K (AmB©~rEAmB©) OwbmB© 2001 H$mo
(AnJ«oS> H$aZo) _| AmJo à{ejU XoVm h¡& AmB©~rEAmB©
H§$nZr A{Y{Z`_, 1956 H$s AmB©~rEAmB© Ymam 25 Ho$ AYrZ
Cn^moº$mAm| Am¡a g_wXm` H$mo ~r_m Ho$ g§~§Y _| g_PmZo Ho$
EH$ H§$nZr Ho$ ê$n _| {ZJ{_V {H$`m J`m Wm& AmB©~rEAmB©
CÔoí` go `wº$ CÚmoJ {ejm nhbm| H$mo g_W©Z XoVm h¡&
^maV _| bmBg|g àmá ~r_m Xbmbm| Ho$ {bE ì`mdgm{`H$
{ZH$m` H$m à{V{Z{YËd H$aVm h¡& AmB©AmaS>rEAmB© Ho$ nmg
n§OrH¥$V ~r_m Xbmbm| go Amdí`H$ ê$n go Ano{jV h¡ {H$ do
AmB©~rEAmB© Ho$ gXñ` hm|&
Annual Report 2023-24 113~mŠg III.2
A{¾, _moQ>a Am¡a B§Or{Z`[a¨J, H$_©H$ma à{VH$a VWm ~r_m ì`dgm` H$s AÝ` lo{U`m| go g§~§{YV dV©_mZ àewëH$m|
H$s A{YgyMZm H$m {ZañVrH$aU
gmYmaU ~r_m CÚmoJ H$mo A{YH$ bMrbmnZ CnbãY H$amZo Ho$ CÔoí` go àewëH$m| H$s A{YgyMZm H$m {ZañVrH$aU dfm] go MaU~Õ
ê$n _| {H$`m OmVm ahm h¡& A{YgyMZm Ho$ {ZañVrH$aU H$m nhbm Xm¡a àewëH$ gbmhH$ma g{_{V Ho$ Ûmam A{¾, B§Or{Z`[a¨J, _moQ>a,
H$_©H$ma à{VH$a ~r_m Ho$ {bE bmJy àewëH$m| H$s A{YgyMZm H$mo 1 OZdar 2007 go à^mdr ê$n _| AnZo n[anÌ g§X^©… Q>rEgr/
7/06 {XZm§H$ 4 {Xg§~a 2006 Ho$ Ûmam {ZañV H$aVo hþE g§Mm{bV {H$`m J`m&
VXþnam§V, AmB©AmaS>rE A{Y{Z`_, 1999 H$s Ymam 14(2)(i) Ho$ A§VJ©V {Z{hV e{º$`m| Ho$ AmYma na, AmB©AmaS>rEAmB© Zo
gmYmaU ~r_m (_moQ>a AÝ` nj OmopI_m| H$mo N>mo‹S>H$a) _| OmopI_m| Ho$ H$s_V-{ZYm©aU g§~§Yr {Z`§ÌU hQ>m {X`o h¢ VWm AmJo
A{Ygy{MV {H$`m h¡ {H$ nyd© Ho$ àewëH$m| _| gpå_{bV ì`dgm` Ho$ dJm] Ho$ {bE bmJy gm_mÝ` {d{Z`_, eãX, eV], I§S>, dma§{Q>`m±,
Zr{V Am¡a n¥ð>m§H$Z dmŠ`aMZm AZwgaU {H$`o OmZo Ho$ {bE AJbo AmXoem| VH$ Omar ah|Jo&
2015 _| ~r_m A{Y{Z`_, 1938 H$m g§emoYZ hmoZo Ho$ gmW hr, Ymam 64 `yEbE Ho$ A§VJ©V "gm§H«$m§{VH$ Cn~§Y' em{_b {H$`o J`o
{OÝhm|Zo {ZYm©[aV {H$`m {H$ O~ VH$ AmB©AmaS>rEAmB© Ûmam gaH$mar amOnÌ _| A{YgyMZm H$mo {ZañV Zht {H$`m OmVm, V~ VH$
àewëH$ gbmhH$ma g{_{V Ûmam A{Ygy{MV {Z~§YZ Am¡a eV] bmJy ah|Jr VWm g^r ~r_mH$Vm©Am| na ~mÜ`H$mar hm|Jr&
CgHo$ ~mX, A{YgyMZm g§X^© g§. E\$. g§. AmB©AmaS>rEAmB©/J¡a-OrdZ ~r_m/5/171/2020 Ho$ Ûmam Cº$ gm_mÝ` {d{Z`_m|,
eãXm|, eVm], I§S>m|, dma§{Q>`m|, Zr{V, EoS>-AmZm|, n¥ð>m§H$Z dmŠ`aMZm VWm àñVmd \$m_© g§~§Yr A{YgyMZm H$mo {ZañV {H$`m J`m&
A{YgyMZm H$m `h {ZagZ nyd© Ho$ ApIb ^maVr` A{¾ àewëH$, 2001 Ûmam {Z`§{ÌV A{¾ Am¡a g§~Õ OmopI_ ~r_m ì`dgm` Ho$
{ZåZ{bpIV OmopI_m| Ho$ {bE bmJy Wm&
(H$) {Zdmg-ñWmZ… H$moB© ^r ~r_mH¥$V am{e
(I) H$m`m©b`, hmoQ>b, XþH$mZ|, Am¡Úmo{JH$/{d{Z_m©U OmopI_, Am¡Úmo{JH$/{d{Z_m©U OmopI_m| Ho$ H$ånmCÊS> Ho$ ~mha pñWV
Cn`moJr dñVwE±, Am¡Úmo{JH$/{d{Z_m©U OmopI_m| Ho$ H$ånmCÊS> Ho$ ~mha pñWV ^§S>maU OmopI_ VWm Am¡Úmo{JH$/{d{Z_m©U
OmopI_m| Ho$ H$ånmCÊS> Ho$ ~mha pñWV Q>¢H$ nm_©/J¡g hmoëS>a Ohm± OmopI_ H$m Hw$b _yë` {H$gr EH$ ñWmZ na g^r AmpñV
dJm] _| é. 50 H$amo‹S> go A{YH$ Zht h¡&
AnZo gwYmam| H$s H$m`©gyMr Ho$ A§VJ©V AmB©AmaµS>rEAmB© Zo CËnmXm| Ho$ AZw_moXZ Ho$ {bE `yµO EÊS> \$mBb H$s Amoa nyU©V… AJ«ga
hmoZo Ho$ Ûmam ZdmoÝ_ofU Am¡a J«mhH$m| H$mo ~r_m CËnmXm| Ho$ Ëd[aV {dVaU Ho$ {bE {d{Z`m_H$ n[adoe H$mo g_W© ~Zm`m h¡& Bg à{H«$`m
H$mo gab ~ZmZo, ì`dgm` H$aZo H$s gwJ_Vm H$mo àmoËgm{hV H$aZo, VWm AZwnmbZ Ho$ ^ma H$mo H$_ H$aZo Ho$ {bE, OrdZ, gmYmaU
Am¡a ñdmñÏ` ~r_m H$s loUr Ho$ A§VJ©V ~r_m CËnmXm| Ho$ CËnmX A{^H$ën, aoqQ>J, CËnmX à~§Y Am¡a AÝ` g§~§{YV nhbwAm| H$mo
{Z`§{ÌV H$aZodmbr à{H«$`mAm| H$mo AmB©AmaS>rEAmB© (~r_m CËnmX) {d{Z`_, 2024 Ho$ Ûmam Amemo{YV {H$`m J`m h¡&
EH$ {Za§Va {dH$mgerb AW©ì`dñWm _|, gmYmaU ~r_m CÚmoJ Ho$ {bE `h A{Zdm`© h¡ {H$ gmYmaU ~r_m CËnmXm| Ho$ A{^H$ënZ
Am¡a H$s_V-{ZYm©aU Ho$ Vm¡a na, C^aVr ~mOma Amdí`H$VmAm| Ho$ à{V A{YH$ VoOr go à{V{H«$`m Xem©E²& gmYmaU ~r_m ì`dgm`
Ho$ g§MmbZ _| H$m`©Hw$ebVm H$mo ~‹T>mdm XoZo Ho$ {bE, ~r_m A{Y{Z`_, 1938 H$s Ymam 64`yEbE (1) Ho$ AZwgma, AmB©AmaS>rEAmB©
Zo {ZåZ{bpIV g^r àM{bV àewëH$m| Ho$ {bE bmJy gm_mÝ` {d{Z`_m|, eãXm|, eVm], I§S>m|, dma§{Q>`m|, Zr{V, EoS>-AmZm|, n¥ð>m§H$Z
dmŠ`aMZm Am¡a àñVmd \$m_© g§~§Yr A{YgyMZm H$mo 1 Aà¡b 2024 go à^mdr ê$n _| {ZañV {H$`m h¡…H$) A{¾ ~r_m àewëH$ (ApIb ^maVr` A{¾ àewëH$, 2001 Omo A{YgyMZm {XZm§H$ 28 {Xg§~a 2020 Ho$ Ûmam nhbo hr {ZañV
{H$`m J`m h¡, H$mo N>mo‹S>H$a AÝ`), AWm©V²
i. ApIb ^maVr` A{¾ àewëH$
ii. Am¡Úmo{JH$ g_ñV OmopI_ àewëH$
iii. n[aUm_r hm{Z (A{¾) àewëH$
iv. noQ´>mo-amgm`{ZH$ àewëH$
v. IVaZmH$ dñVwAm| H$s gyMr
I) _moQ>a, AWm©V² ApIb ^maVr` _moQ>a àewëH$
J) B§Or{Z`[a¨J ~r_m àewëH$, AWm©V² ;
i. R>oHo$Xma g_ñV OmopI_ ~r_m
ii. R>oHo$Xma g§`§Ì Am¡a _erZar ~r_m
iii. _erZar Iam~r ~r_m
iv. BboŠQ´>m{ZH$ CnñH$a ~r_m
v. {g{db B§Or{Z`[a¨J g_má OmopI_ ~r_m
vi. CËWmnZ g_ñV OmopI_/^§S>maU d CËWmnZ ~r_m
vii. bm^ H$s hm{Z (E_~r Am¡a ~rEbAmonr) ~r_m
viii. ~m`ba Am¡a àoea ~aVZ ~r_m
ix. ñQ>mH$m| (Amby) H$m õmg ~r_m
K) {d{dY, AWm©V² H$m_Jma à{VH$a ~r_m àewëH$
L) _arZ, AWm©V² Mm` àewëH$
~r_m àewëH$m| H$s A{YgyMZm H$m {ZañVrH$aU ^maV Ho$ ~r_m joÌ Ho$ {dH$mg _| EH$ C„oIZr` _rb-nËWa VWm EH$ A{YH$
CXmarH¥$V ~r_m ~mOma H$s {Xem _| A§VaU Ho$ ê$n _| {M{•V h¡& A{YgyMZm Ho$ {ZagZ H$s Amoa Bg AJ«gaU H$m CÔoí` ~mOma
H$s Hw$ebVm H$mo ~‹T>mZm, ZdmoÝ_ofU H$m g§dY©Z H$aZm, VWm A§VV… XmoZm| ~r_mH$Vm©Am| Am¡a Cn^moº$mAm| H$mo bm^mpÝdV H$aZm h¡&
BgHo$ Abmdm, `h ~r_mH$Vm©Am| H$mo ~mOma J{V-{dkmZ Ho$ AmYma na Amdí`H$Vm-AmYm[aV CËnmX Ed§ EoS>-AmZm| H$m ZdmoÝ_ofU
Am¡a àñVmd H$aZo H$s ñdV§ÌVm XoVm h¡& àewëH$m| H$s A{YgyMZm Am¡a nm{bgr dmŠ`aMZm H$m {ZagZ gabrH¥$V Am¡a J«mhH$-Ho$pÝÐV
~r_m CËnmXm| Ed§ ~r_mH$Vm©Am| Ho$ {bE n[aMmbZm| H$s gwJ_Vm Ho$ {bE _mJ© àeñV H$aVm h¡&
~r_m CËnmXm| Ho$ àñVmd AmB©AmaS>rEAmB© (~r_m CËnmX) {d{Z`_, 2024 VWm g_`-g_` na AmB©AmaS>rEAmB© Ûmam {ZYm©[aV
gmYmaU ~r_m ì`dgm` _| CËnmXm| Am¡a à{H«$`mAm| g§~§Yr _mñQ>a n[anÌ ({Xem{ZX}e) Ho$ AYrZ hmoJm&III.7 A{Y{Z`_ Ho$ à`moOZm| Ho$ H$m`m©Ýd`Z Ho$ {bE (I) ñWmZ na (AmZ-gmBQ>) {ZarjU… AmB©AmaS>rEAmB©
ewëH$ Am¡a AÝ` à^mam| H$s CJmhr g§~§{YV A{Y{Z`_m|, {Z`_m|, {d{Z`_m|, {Xem{ZX}em|/
n[anÌm|, {ZXoem|, _mZH$m| Am{X Ho$ àmdYmZm| Ho$ nmbZ/
III.7.1 df© 2023-24 Ho$ Xm¡amZ, ewëH$-g§aMZm _| H$moB©
AZwnmbZ Ho$ g§~§Y _| {d{Z`{_V g§ñWmAm| Ho$ AmZ-
n[adV©Z Zht h¢²& {dÎmr` df© 2023-24 Ho$ Xm¡amZ dgyb {H$`m
gmBQ> {ZarjU H$aVm h¡& {d{Z`{_V g§ñWmAm| Ho$ ñWmZ
J`m Hw$b ewëH$ g^r {d{Z`{_V g§ñWmAm| Ho$ g§~§Y _| é.221.7
na CZH$s {dÎmr` pñW{V, ~mOma ì`dhma, H$manmoaoQ>
H$amo‹S> h¡& {dñV¥V ewëH$-g§aMZm AZw~§Y 8 _| Xr JB© h¡&
A{^emgZ, OmopI_ à~§Y Am¡a g§~§{YV {df`m| Ho$ g§~§Y
_| {d{^Þ {d{Z`m_H$ Cn~§Ym| Am¡a AÝ` à`moÁ` {d{Y`m|
III.8 ~r_mH$Vm©Am|, _Ü`d{V©`m|, ~r_m _Ü`d{V©`m| Am¡a
Ho$ AZwnmbZ H$m {ZYm©aU H$aZo Ho$ {bE Z_yZm AmYma
~r_m ì`dgm` go g§~Õ AÝ` g§JR>Zm| H$s boIm-narjm
na g§~§{YV A{^boIm|, boIm-~{h`m| Am¡a ì`mdgm{`H$
g{hV CZgo gyMZm _m±JZm, CZH$m {ZarjU H$aZm, CZH$s
H$m`©H$bmnm| H$s Om±M Ho$ Ûmam CZH$s H$m`©-nÕ{V Ho$
Om±M Am¡a AÝdofU Ho$ H$m`© H$m g§MmbZ H$aZm…
AmH$bZ Ho$ {bE gm_mÝ` Am¡a g§Ho$pÝÐV {ZarjU {H$`o
III.8.1 ~r_m A{Y{Z`_, 1938 H$s Ymam 33 Am¡a AmB©AmaS>rE
OmVo h¢²&
A{Y{Z`_, 1999 H$s Ymam 14(2)(O) ~r_m H§$n{Z`m|,
_Ü`d{V©`m|, ~r_m _Ü`d{V©`m| Am¡a ~r_m ì`dgm` go g§~Õ III.8.3 g§Ho$pÝÐV {ZarjU… df© 2023-24 Ho$ Xm¡amZ,
AmB©AmaS>rEAmB© Ûmam Hw$b 18 AmZ-gmBQ> {ZarjU {H$`o J`o&
AÝ` g§JR>Zm| H$s Om±M-n‹S>Vmb g{hV CZgo gyMZm _m±JZo VWm
BZ_| go ~r_m _Ü`dVu (H$manmoaoQ> EO|Q>) H$m EH$ gm_mÝ`
CZH$m AmZgmBQ> {ZarjU g§Mm{bV H$aZo Ho$ {bE gm§{d{YH$
{ZarjU Ama¡ 17 gH§ $opÝÐV {ZarjU gM§ m{bV {H$` o J`&o gH§ $opÝÐV
Cn~§Y {ZYm©[aV H$aVr h¢²&
{ZarjUm| H$m {ddaU ZrMo {X`o J`m h¡…
III.8.2 n`©dojr {ZarjU H$_ go H$_ EH$ Xmo-_wIr AWm©V²
namjo (Am\µ $-gmBQ>) OmM± Ama¡ ñWmZ na (AmZ-gmBQ>) {ZarjU AmB©AmaS>rEAmB© Ûmam g§Ho$pÝÐV {ZarjU
H$mo g§~Õ H$aVm h¡&
(H$) namoj (Amµ\$-gmBQ>) Om±M… namoj (Amµ\$-gmBQ>)
Om±M H$m àmW{_H$ CÔoí` CZ g§ñWmAm| H$s nhMmZ H$aZo
Ho$ {bE Omo {dÎmr` {JamdQ> Xem©Vr h¢ Am¡a Omo n`©dojr
qMVmAm | H$m H$maU hmJ| r, {d{Z`{_V gñ§ WmAm | H$s {dÎmr`
pñW{V Am¡a ~mOma ì`dhma H$s {ZJamZr H$aZm h¡& `h
g_` na CnMmamË_H$ H$mad© mB © H$o {bE EH$ àao H$ ({Q>´Ja)
Ho$ ê$n _| H$m`© H$aVm h¡& namoj Om±M H$m g§MmbZ
AmB©AmaS>rEAmB© Ûmam g_`-g_` na Omar {H$`o J`o
{d{Z`_m|/{ZXoem| Ho$ A§VJ©V A{YXoemË_H$ {H$`o J`o
(_S¢ >oQ>So >) Amd{YH$ {ddaUm,| {dda{U`m,| [anmQo >m,] Zr{V`m|
Am¡a AZwnmbZ à_mUnÌm| H$m {dûcofU H$aZo Ho$ Ûmam
{H$`m OmVm h¡&
116 Annual Report 2023-24III.8.4 Ama~rEg T>mM± o H$s Amao AJg« aU… AmBA© maS>rEAmB© gj_ àm{YH$mar A§{V_ {d{Z`m_H$ H$ma©dmB`m| Ho$ g§~§Y _| V~
^maV _| ~r_m joÌ Ho$ {bE OmopI_ AmYm[aV n`©dojU {ZU©` H$aVm h¡, {Og_| {ZåZ{bpIV em{_b hmo gH$Vo h¢ :
(Ama~rEg) T>m±Mo H$mo {dH${gV H$aZo Am¡a H$m`m©pÝdV H$aZo H$s
• nam_e© / MoVmd{Z`m± Omar H$aZm,
{Xem _| g{H«$` ê$n go H$m`© H$a ahm h¡& Bg J{V{d{Y Ho$ ^mJ
Ho$ ê$n _|, AmB©AmaS>rEAmB© Zo {dÎmr` df© 2023-24 Ho$
• `Wmg§emo{YV ~r_m A{Y{Z`_, 1938 H$s Ymam 34 Ho$
Xm¡amZ Xmo àm`mo{JH$ {ZarjU g§Mm{bV {H$`o h¢ VWm {dÎmr` df©
A§VJ©V {ZXoem| H$mo N>mo‹S>H$a AÝ` gm_mÝ` {ZXoe XoZm
2024-25 Ho$ Xm¡amZ Hw$N> Am¡a àm`mo{JH$ {ZarjU H$aZo H$m
àñVmd H$a ahm h¡& • `Wmg§emo{YV ~r_m A{Y{Z`_, 1938 H$s Ymam 34 Ho$
AYrZ {ZXeo Omar H$aZm Ama¡ /`m MVo md{Z`m ± XZo m AWdm
III.8.5 àdVZ© H$s à{H$«`m {ZarjU [anmQo >m ]Ama¡ {Zar{jV gñ§ WmAm| AW©X§S> bJmZm
go àmá àË`wÎmam| Ho$ g§nyU© {dûcofU H$mo g§~Õ H$aVr h¡& `h
CZ _m_bm| _| Ohm± C„§KZ J§^ra _mZo OmVo h¢, Omo g§^m{dV ê$n
{dûcofU gmú` Ho$ ê$n _| g_W©H$ àboIm| Am¡a CnbãY H$am`o
go n§OrH$aU `m bmBg|g Ho$ {ZañVrH$aU Ho$ {bE _mJ© àeñV
J`o àñVwVrH$aUm| na {dMma H$aVm h¡&
H$aVo h¢, EH$ H$R>moa Cn`wº$ à{H«$`m H$m AZwgaU {H$`m OmVm
Cn`w©º$ H$s g_rjm Ho$ AmYma na, {d{Z`m_H$ H$ma©dmB© H$m EH$
h¡&
àñVm{dV à{H«$`m H$m {ZYm©aU {H$`m OmVm h¡& H$ma©dmB© H$s Bg
n`©dojU à{H«$`mAm| Ho$ A{V[aº$, A{Y{Z`_, ~r_m A{Y{Z`_,
à{H«$`m H$m AZw_moXZ V~ gj_ àm{YH$mar Ûmam {H$`m OmVm h¡
1938 Ho$ {d{Z{X©ï> C„§KZm| Ho$ {bE Ý`m`{ZU©`Z à{H«$`m H$mo
Omo {ZU©` H$aVm h¡ {H$ Š`m…
^r A{YXoemË_H$ (_¢So>Q>ar) ~ZmVm h¡& Bg Ý`m`{ZU©`Z H$m
• {Zar{jV g§ñWm na Amamon bJm`m OmE `m g§MmbZ A{Zdm`©V… H$_ go H$_ _hmà~§YH$ go AÝ`yZ a¢H$ Ho$
• {Zar{jV g§ñWm H$mo nam_e© {X`m OmE `m EH$ A{YH$mar Ûmam {H$`m OmZm Mm{hE, Omo AW©X§S> H$s Cn`wº$
• {Q>ßnUr H$mo g_má {H$`m OmE _mÌm H$m {ZYm©aU Am¡a {g\$m[ae H$aZo _| _w»` H$maH$m| na
{dMma H$aVm h¡&
`{X {Zar{jV g§ñWm H$mo H$maU ~VmAmo Zmo{Q>g Omar H$aZo Ho$
Ûmam {d{Z`m_H$ C„§KZm| H$m Amamon bJm`m OmVm h¡, Vmo CÝh| àm{YH$aU Ûmam {b`o J`o g^r {ZU©`m| na ~r_m A{Y{Z`_,
AnZr ~mV H$mo àñVwV H$aZo Ho$ {bE AmJo Am¡a àñVwVrH$aU 1938 H$s Ymam-110 H$o AYrZ à{V^{yV Anrbr` Ý`m`m{YH$aU
H$aZo Ho$ A{V[aº$, d¡`{º$H$ gwZdmB© Ho$ {bE EH$ Adga àXmZ (EgEQ>r) Ho$ g_j Anrb àñVwV H$s Om gH$Vr h¡&
{H$`m OmVm h¡&
III.8.6 df© 2023-24 Ho$ Xm¡amZ, àdV©Z Am¡a AZwnmbZ {d^mJ
Ûmam g_má {H$`o J`o AmZ-gmBQ> Am¡a XÿañW {ZarjU H$s
[anmoQ>m] H$s g§»`m 83 h¡& Cº$ {ZarjU [anmoQ>m] na Hw$b 856
{d{Z¶m‘H$ H$ma©dmB© {H$ JB©& ã`moam {ZåZ{bpIV gmaUr _| h¡…
Annual Report 2023-24 117gmaUr III.1: 2023-24 Ho$ Xm¡amZ g§nÞ AmZ-gmBQ> Am¡a XÿañW {ZarjU [anmoQ>]
H«$.g§. AmaB© H$m àH$ma g§ñWmAm| H$s g§»`m
1 Xbmb 16
2 H$manmoaoQ> EO|Q> 8
3 {dXoer nwZ~u_m emIm 6
4 ~r_m {dnUZ \$_© 13
5 gd}jH$ Am¡a hm{Z {ZYm©aH$ 7
6 AÝ` nj à~§YH$ (Q>rnrE) 4
7 OrdZ ~r_mH$Vm© 6
8 J¡a-OrdZ ~r_mH$Vm©, ñdmñÏ` g{hV 22
9 nwZ~u_mH$Vm© 1
Hw$b 83
gmaUr III.2: {d{Z`m_H$ H$ma©dmB`m| H$m {ddaU
H«$.g§. {d{Z`m_H$ H$ma©dmB© H$m ñdê$n {Q>ßn{U`m| H$s g§»`m
1 nam_eu 577
2 {ZXoe 16
3 gVH©$Vm 260
4 MoVmdZr 0
5 AW©X§S> 3
Hw$b 856
118 Annual Report 2023-24~mŠg III.3
n`©dojU Am¡a àdV©Z Ho$ {bE VH$ZrH$s g_W©H$m[aVm
{d{Z`m_H$ H$m`© ^§S>ma ([anmo{OQ>ar) àUmbr (AmaEAmaEg) n`©dojU à{H«$`m H$s Hw$ebVm H$mo ~‹T>mZo Ho$ {bE
àñVm{dV AmB©AmaS>rEAmB© H$s EH$ ZB© n`©dojU-VH$ZrH$s nhb h¡& _w»` ê$n go `h EH$ Cº$ Ho$ÝÐrH¥$V {S>{OQ>b
ßboQ>\$m_© h¡ Omo àm{YH$aU Ûmam {H$`o J`o g^r {d{Z`m_H$ H$m`m], O¡go AmXoem|, AW©X§S>m|, MoVmd{Z`m|, {ZXoem|,
nam_em], gVH©$VmAmo± Am¡a g_mnZm| H$m g_oH$Z H$aVm h¡&
Bg nhb H$m bú` {d{^Þ g§ñWmAm| Ho$ {déÕ H$s JB© {d{Z`m_H$ H$ma©dmB`m| g§~§Yr Eo{Vhm{gH$ gyMZm H$s
A{^Jå`Vm H$mo ~‹T>mZm Am¡a {d{^Þ lo{U`m| H$s g§ñWmAm| Ho$ g§~§Y _| H$s JB© H$ma©dmB`m| Ho$ ~rM gwg§JVVm H$mo àmá
H$aZm h¡& O~{H$ {d^oXZa{hVVm àmá H$aZm àñVm{dV h¡, gj_ àm{YH$mar Ûmam {d{Z`m_H$ H$ma©dmB`m| H$m {ZU©` H$aZo
_| C„§KZ H$s J§^raVm, n[apñW{V`m| Am¡a AmZwnm{VH$Vm Ho$ g§~§Y _| n`m©á {dMma {H$`m Om gH$Vm h¡&
Bg àH$ma, EH$ Ho$ÝÐrH¥$V So>Q>m [anmo{OQ>ar Ho$ ê$n _|, AmaEAmaEg Eo{Vhm{gH$ H$ma©dmB`m| VH$ nhþ±M H$mo gab Am¡a
H$maJa ~ZmZo H$m àñVmd H$aVr h¡ VWm {d{Z`{_V g§ñWmAm| Ho$ Ûmam C„§KZm| H$m g_mYmZ erK«Vmnyd©H$ Am¡a
{Ze©MmË_H$ Vm¡a na H$aZo Ho$ {bE àm{YH$mar H$mo geº$ ~ZmVr h¡&
`h àUmbr {d{^Þ {d^mJm| H$mo AnZo g§~§{YV {d^mJm| Ho$ A§Xa {d{Z`m_H$ \$moH$g dmbo joÌm| H$s nhMmZ H$aZo Am¡a
CÝh| àmW{_H$Vm XoZo Ho$ {bE gm_{`H$ A§VÑ©{ï>`m± Am¡a àmg§{JH$ gyMZm CnbãY H$amEJr&
AmaEAmaEg {d{^Þ _mZX§S>m| Ho$ AmYma na {d{eï> {d{Z`m_H$ H$ma©dmB`m| H$mo nwZ… àmá H$aZo Ho$ {bE à`moº$mAm| H$mo
AZw_{V XoVo hþE, g§JV gyMZm VH$ nhþ±MZo _| Hw$ebVm H$s d¥{Õ H$aVo hþE Ed§ àm{YH$aU _| àm_m{UH$ {ZU©`Z à{H«$`m
H$m g_W©Z H$aVo hþE gwÑ‹T> ImoO H$m`m©Ë_H$VmAm| H$s gw{dYm XoZo H$m àñVmd H$aVr h¡&
BgHo$ A{V[aº$, AmaEAmaEg [anmoQ>m] Ho$ {Z_m©U H$mo ñdMm{bV H$aZo, A`m§{ÌH$ à{H«$`mAm| H$m {dbmonZ H$aZo,
àemg{ZH$ ^ma KQ>mZo, VWm VËnaVmnyd©H$ Am¡a à^mdr T>§J go {d{Z`m_H$ _m_bm| H$m g_mYmZ H$aZo _| àm{YH$aU H$s
g_J« AZw{H«$`merbVm H$m g§dY©Z H$aZo Ho$ Ûmam n[aMmbZJV H$m`©Hw$ebVm _| A§eXmZ H$aZo H$m àñVmd H$aVr h¡&
AmaEAmaEg gm_mÝ` C„§KZm|, C^aVr hþB© àd¥{Îm`m| Am¡a ñdê$nm| H$s nhMmZ H$mo g_W© ~ZmVo hþE, C„§KZm| Ho$ EH$
{dñV¥V {dûcofU H$mo gwgmÜ` ~ZmZo H$m àñVmd H$aVr h¡, Omo CZ {d{Z`m_H$ A§Vambm| H$m R>rH$-R>rH$ nVm bJmZo _|
ghm`Vm H$aVm h¡ {OZHo$ à{V Ü`mZ XoZo H$s Amdí`H$Vm h¡, VWm Cn`wº$ Cnm`m| Ho$ H$m`m©Ýd`Z H$mo gw{Z{üV H$aVm
h¡&
AmaEAmaEg H$s ñWmnZm {d{Z`m_H$ n[aMmbZm| H$m AmYw{ZH$sH$aU H$aZo, nmaX{e©Vm _| d¥{Õ H$aZo, VWm {d{Z`m_H$
{ZJamZr H$mo _O~yV H$aZo _| EH$ _hËdnyU© H$X_ H$mo à{Vq~{~V H$aVr h¡ VWm àm{YH$aU Ho$ A§Xa {d{^Þ {d^mJm| _|
gh`moJ H$mo àmoËgm{hV H$aVr h¡&III.9 ~r_m A{Y{Z`_, 1938 (1938 H$m 4) H$s Ymam i. ApIb ^maVr` A{¾ àewëH$
64`y Ho$ AYrZ àewëH$ gbmhH$ma g{_{V Ho$ Ûmam BVZm ii. Am¡Úmo{JH$ g^r OmopI_ àewëH$
{Z`§{ÌV Am¡a {d{Z`{_V Zht {H$`o OmZodmbo gmYmaU
iii. n[aUm_r hm{Z (A{¾) àewëH$
~r_m ì`dgm` Ho$ g§~§Y _| ~r_mH$Vm©Am| Ûmam àñVm{dV
iv. noQ´>mo-amgm`{ZH$ àewëH$
H$s OmZodmbr Xam|, bm^m|, {Z~§YZm| Am¡a eVm] H$m {Z`§ÌU
v. IVaZmH$ dñVwAm| H$s gyMr
Am¡a {d{Z`_Z
I. _moQ>a, AWm©V² ApIb ^maVr` _moQ>a àewëH$
III.9.1 Ohm± VH$ H$s_V-{ZYm©aU H$m g§~§Y h¡, _moQ>a AÝ`
nj ì`dgm` H$m o N>mS‹o >H$a àeëw H$ g o `ºw $ gmYmaU ~r_m ì`dgm` J. B§Or{Z`[a¨J ~r_m àewëH$, AWm©V² ;
Ho$ g^r dJm] H$mo 1 OZdar 2007 go àewëH$-a{hV (S>r- i. R>oHo$Xma g^r OmopI_ ~r_m
Q>¡[a\$) H$a {X`m J`m Wm& My±{H$ _moQ>a dmhZ A{Y{Z`_, 1988 ii. R>oHo$Xma g§`§Ì Am¡a _erZar ~r_m
Ho$ Cn~§Ym| Ho$ A§VJ©V _moQ>a AÝ` nj ~r_m H$da gm§{d{YH$ h¡,
iii. _erZar Iam~r ~r_m
AV… _moQ>a AÝ` nj àr{_`_ Xam| H$mo BgHo$ nyd© àË`oH$ df©
vi. BboŠQ´>m{ZH$ CnñH$a ~r_m
AmB©AmaS>rEAmB© Ûmam A{Ygy{MV {H$`m J`m Wm& dV©_mZ _|
v. {g{db B§Or{Z`[a¨J nyU© OmopI_ ~r_m
_moQ>a dmhZ (g§emoYZ) A{Y{Z`_, 2019 H$s Ymam 51 Ho$ Ûmam
vi. CËWmnZ g^r OmopI_/^§S>maU d CËWmnZ ~r_m
`Wmg§emo{YV _moQ>a dmhZ A{Y{Z`_, 1988 H$s Ymam 147 H$s
vii. bm^ H$s hm{Z (E_~r Am¡a ~rEbAmonr) ~r_m
Cn-Ymam (2) Ho$ Cn~§Ym| Ho$ A§VJ©V g‹S>H$ n[adhZ Am¡a
viii. ~m`ba Am¡a X~md dmbo ~V©Z ~r_m
amO_mJ© _§Ìmb` (E_AmoAmaQ>rEM) Ho$ {bE AÝ` nj àr{_`_
Ho$ g§~§Y _| ~r_mH$Vm© Ho$ AmYma àr{_`_ Am¡a Xo`Vm H$mo
ix. ñQ>mH$m| H$m õmg (Amby) ~r_m
AmB©AmaS>rEAmB© Ho$ gmW nam_e© H$aZo Ho$ ~mX {ZYm©[aV H$aZm
K. {d{dY, AWm©V² H$_©H$ma à{VH$a ~r_m àewëH$
A{YXoemË_H$ (_¢So>Q>ar) {H$`m J`m h¡&
L. _arZ, AWm©V² Mm` àewëH$
III.9.2 VXZwgma, g‹S>H$ n[adhZ Am¡a amO_mJ© _§Ìmb` Zo
amOnÌ A{YgyMZm g§»`m Or.Eg.Ama. 32 (B©) {XZm§H$ 5 III.10 Cg ê$n Am¡a VarHo$ H$mo {d{Z{X©ï> H$aZm {Og_|
~r_mH$Vm©Am| H$mo AÝ` ~r_m _Ü`d{V©`m| Ûmam boIm-
OZdar 2024 Ho$ Ûmam _moQ>a dmhZ (AÝ` nj ~r_m AmYma
~{h`m ± aIr OmEJ± r VWm bIo m-{ddaU àñVVw {H$` o OmEJ± o
àr{_`_ Am¡a Xo`Vm) {Z`_, 2024 A{Ygy{MV {H$`o h¢²& BgHo$
Abmdm, ~r_m A{Y{Z`_, 1938 H$s Ymam 64 `yEbE H$s
III.10.1 ~r_mH$Vm©Am| Ho$ {dÎmr` {ddaU g_`-g_` na
Cn-Ymam (1) Ûmam àXÎm e{º$`m| H$m à`moJ H$aVo hþE,
`Wmg§emo{YV AmB©AmaS>rE (~r_m H§$n{Z`m| Ho$ {dÎmr` {ddaU
AmB©AmaS>rEAmB© Zo {ZåZ{bpIV g^r àM{bV àewëH$m| go Am¡a boIm-narjH$ H$s [anmoQ>© V¡`ma H$aZm) {d{Z`_, 2002
g§~§{YV A{YgyMZm H$mo {ZañV (S>r-Zmo{Q>\$mB©) H$a {X`m h¡… Am¡a g_`-g_` na Omar {H$`o J`o {d{^Þ n[anÌm| Am¡a
{Xem{ZX}em| Ho$ Ûmam ^r {ZYm©[aV ê$n Am¡a VarHo$ go V¡`ma {H$`o
H$. A{¾ ~r_m àewëH$ (ApIb ^maVr` A{¾ àewëH$,
OmVo h¢²& boIm-~{h`m± BZ {d{Z`_m| Ho$ A§VJ©V Ano{jV ê$n _|
2001 {Ogo A{YgyMZm {XZm§H$ 28 {Xg§~a 2020 Ûmam
{d{^Þ ì`dñWmAm| go g§~§{YV _X| àñVwV H$aZo Ho$ {bE aIr
àewëH$-a{hV (S>r-Q>¡[a\$) {H$`m J`m Wm, H$mo N>mo‹S>H$a
OmVr h¢&
AÝ`), AWm©V
120 Annual Report 2023-24III.10.2 _Ü`d{V©`m| Ho$ _m_bo _| Ano{jV h¡ {H$ boIm- III.11.2 n[anÌ g§. AmB©AmaS>rEAmB©/E\$EÊS>AmB©/
~{h`m| Am¡a {dÎmr` {ddaUm| H$m aIaImd g§~§{YV {d{Z`_m|/ grAmB©Ama/AmB©EZdr/139/06/2023 {XZm§H$ 28 OyZ
n[anÌm|/{Xem{ZX}em| Ho$ A§VJ©V {ZYm©[aV ê$n _| Am¡a VarHo$ go 2023 Ho$ AZwgma d¡H$pënH$ {Zdoe {Z{Y (EAmB©E\$) _|
{H$`m OmEJm& {Zdoem| H$s {ZJamZr
III.10.3 Ohm± H$ht ^r àm{YH$aU Zo dh ê$n Am¡a VarH$m àm{YH$aU Zo ~r_mH$Vm©Am| H$mo {V_mhr AmYma na EAmB©E\$Eg
{ZYm©[aV Zht {H$`m h¡ {Og_| boIm-~{h`m| H$m AZwajU {H$`m Ho$ EZEdr H$mo Kmo{fV H$aZo Ho$ {bE gy{MV {H$`m h¡ VWm
OmZm Mm{hE, dhm± H§$nZr A{Y{Z`_/{Z`_m| Am¡a AÝ` à`moÁ` EAmB©E\$Eg _| {Zdoem| H$m {dñVmaU (amob Amodb) ~moS©>/
A{Y{Z`_m|/{Z`_m| Ho$ Cn~§Y bmJy hm|Jo& {Zdoe g{_{V Ûmam AZw_mo{XV {H$`m OmZm Mm{hE²& EAmB©E\$Eg
_| {Zdoem| Ho$ {bE {V_mhr {ddaUr {V_mhr H$s g_m{á go 15
III.11 ~r_m H$§n{Z`m | Ûmam {Z{Y`m | H$o {Zdeo H$m {d{Z`_Z
{XZ Ho$ A§Xa àñVwV H$aZo H$s Amdí`H$Vm h¡&
~r_mH$Vm© Ho$ {Zdoem| H$mo _mñQ>a n[anÌ Am¡a g_`-g_` na
III.11.3 EMS>rE\$gr {b. _| {Zdoem| Ho$ {bE Ny>Q> n[anÌ
`Wmg§emo{YV {Xem{ZX}em| Ho$ gmW n{R>V AmB©AmaS>rEAmB©
g§. AmB©AmaS>rEAmB©/E\$EÊS>AmB©/ grAmB©Ama/
(~r_mH$Vm©Am| Ho$ ~r_m§{H$H$, {dÎm Am¡a {Zdoe H$m`©) {d{Z`_,
AmB©EZdr/155/8/2023 {XZm§H$ 4 AJñV 2023 Ho$
2024 {d{Z`{_V H$aVo h¢&
AZwgma Omar {H$`m J`m&
III.11.1 amï´>r` ~w{Z`mXr g§aMZm {dÎmnmofU Am¡a {dH$mg
EMS>rE\$gr {b. H$m {db`Z EMS>rE\$gr ~¢H$ {b. Ho$ gmW
~H¢ $ _ | {Zdeo n[anÌ g.§ AmBA© maS>rEAmB/© E\$EÊS>AmB/©
hmoZo H$s Ñ{ï> go Cº$ {db`Z H$s KmofUm H$s VmarI AWm©V² 4
grAmBA© ma/AmBE© Zdr/121/6/2023 {XZmH§ $ 5 OZy 2023
Aà¡b 2022 H$mo Amdmg Am¡a ~w{Z`mXr g§aMZm loUr Ho$ A§VJ©V
EMS>rE\$gr {b. _| ~r_mH$Vm©Am| Ûmam Ym[aV ~m§S>m|/{S>~§Mam|
amï´>r` ~w{Z`mXr g§aMZm {dÎmnmofU Am¡a {dH$mg ~¢H$ H$s ñWmnZm
H$mo EMS>rE\$gr {b. Ho$ g§~§{YV ~m§S>m| H$s n[an¹$Vm VH$
amï´>r` ~w{Z`mXr g§aMZm {dÎmnmofU Am¡a {dH$mg ~¢H$
Cn`w©º$ loUr _| {Zdoem| Ho$ ê$n _| _mZm OmEJm&
(EZE~rE\$AmB©S>r) A{Y{Z`_, 2021 Ho$ AYrZ ~w{Z`mXr
g§aMZm Ho$ {dÎmnmofU Ho$ {bE Amdí`H$ ~m§S>m| Am¡a ì`wËn{Þ`m|
III.12 emoYZ-j_Vm Ho$ AZwajU H$m {d{Z`_Z
Ho$ {dH$mg g{hV ^maV _| XrK©H$m{bH$ AZml`r ~w{Z`mXr
g§aMZm {dÎmnmofU Ho$ {dH$mg H$mo g_W©Z XoZo Ho$ {bE VWm III.12.1 àË`oH$ ~r_mH$Vm© Am¡a nwZ~u_mH$Vm© ha g_` emoYZ-
~w{Z`mXr g§aMZm Am¡a CgHo$ gmW g§~Õ AWdm CgHo$ gmW j_Vm Ho$ {Z`§ÌU ñVa go A{YH$ emoYZ-j_Vm _m{O©Z H$m
àmg§{JH$ {df`m| Ho$ {bE ì`dgm` Ho$ g§MmbZ hoVw H$s JB© h¡& AZwajU H$aoJm, Omo dV©_mZ _| Ano{jV emoYZ-j_Vm _m{O©Z
H$m 150 à{VeV h¡, AWm©V² `h gw{Z{üV {H$`m OmE {H$
M{±yH$ EZE~rE\$AmBS© >r H$s ñWmnZm XrKH© $m{bH$ ~{wZ`mXr ga§ MZm
CnbãY emoYZ-j_Vm _m{O©Z ha g_` Ano{jV emoYZ-j_Vm
Ho$ {dÎmnmofU H$mo g_W©Z XoZo Ho$ {bE {dH$mg {dÎmr` g§ñWm Ho$
_m{O©Z H$m H$_ go H$_ 150 à{VeV hmo& Ano{jV emoYZ-
ê$n _| H$s JB© h¡, AV… Bg g§ñWm _| ~r_H$Vm©Am| Ho$ {Zdoem| Ho$
j_Vm _m{O©Z ~r_m A{Y{Z`_, 1938 H$s Ymam 6 Ho$ A§VJ©V
{bE EŠgnmOµo a gr_m gaH$mar gr{_V ~{wZ`mXr ga§ MZm {Zd{oeVr
~Vm`o J`o ê$n _| Ý`yZV_ ny±Or H$s am{e Ho$ nMmg à{VeV go
H§$nZr Ho$ {bE {ZYm©[aV gr_mAm| Ho$ AZwê$n gw`mo{OV H$s JB©
H$_ Zht hmoJm, O~{H$ CnbãY emoYZ-j_Vm _m{O©Z Xo`VmAm|
h¡&
Annual Report 2023-24 121H$s am{e na AmpñV`m | H$o _ëy ` H$m Am{YŠ` h&¡ AmBA© maS>rEAmB© gH$b CnJV Xmdm| H$m CƒVa h¡& AmaEgE_-2 Ho$
(~r_mH$Vm©Am| Ho$ ~r_m§{H$H$, {dÎm Am¡a {Zdoe H$m`©) {d{Z`_, n[aH$bZ Ho$ {bE "{nN>bo 12 _hrZm| Ho$ Xmdm|' Am¡a "3 go
2024 CnbãY Am¡a Ano{jV emoYZ-j_Vm _m{O©Z H$s g§JUZm {d^m{OV {nN>bo 36 _hrZm| Ho$ Xmdm|' Ho$ A{YH$V_ Ho$
ê$n _| Xmdm| H$mo {hgm~ _| {b`m OmEJm&
H$s nÕ{V H$m {dñV¥V ê$n _| dU©Z H$aVo h¢&
III.13 ~r_mH$Vm©Am| Am¡a _Ü`d{V©`m| AWdm ~r_m
àË`Ho $ OrdZ ~r_mH$Vm © An{ojV emYo Z-j_Vm _m{OZ© , CnbãY
_Ü`d{V©`m| Ho$ ~rM {ddmXm| H$m Ý`m`{ZU©`Z
emoYZ-j_Vm _m{O©Z Am¡a emoYZ-j_Vm AZwnmV H$m {ZYm©aU
AmB©AmaS>rEAmB© (~r_mH$Vm©Am| Ho$ ~r_m§{H$H$, {dÎm Am¡a {Zdoe
AmB©AmaS>rEAmB© (~r_m Xbmb) {d{Z`_, 2018 Ho$ {d{Z`_
H$m`©) {d{Z`_, 2024 Ho$ Cn~§Ym| Ho$ AZwgma H$aoJm& Ano{jV
59(2) Ho$ AZwgma, {H$gr ~r_m Xbmb Am¡a ~r_mH$Vm© AWdm
emoYZ-j_Vm _m{O©Z H$s g§JUZm Xmo-H$maH$m| na AmYm[aV {H$gr AÝ` ì`{º$ Ho$ ~rM ~r_m Xbmb Ho$ ê$n _| CgH$s
EH$ _mS>b h¡, Ohm± Cº$ H$maH$m| H$mo g_m`mo{OV J{UVr` {Z`w{º$ Ho$ Xm¡amZ AWdm AÝ` àH$ma go CËnÞ hmoZo dmbm H$moB©
Ama{jV {Z{Y`m| Am¡a OmopI_ na am{e na bmJy {H$`m OmEJm& ^r {ddmX Bg àH$ma à^m{dH$ ì`{º$ Ho$ Ûmam àm{YH$aU H$mo
Cº$ H$maH$ OrdZ ~r_m ì`dgm` Ho$ {d{^Þ I§S>m| Ho$ {bE g§X{^©V {H$`m Om gH$Vm h¡& Eogr {eH$m`V AWdm Aä`mdoXZ
{^Þ-{^Þ h¢& Ho$ àmá hmoZo na àm{YH$aU Cg {eH$m`V H$s Om±M H$a gH$Vm
h¡ Ed§ `{X Amdí`H$ g_Pm OmVm h¡ Vmo BZ {d{Z`_m| Ho$
III.12.2 gmYmaU ~r_mH$Vm©Am|, nwZ~u_mH$Vm©Am| Am¡a {dXoer
AZwgma Om±M, {ZarjU AWdm AÝdofU g§Mm{bV H$a gH$Vm
nwZ~u_mH$Vm©Am| Ho$ _m_bo _|, Ano{jV emoYZ-j_Vm _m{O©Z
h¡&
ì`dgm` H$s àË`oH$ ì`dñWm Ho$ {bE AbJ-AbJ g§J{UV
III.14. J«m_rU Am¡a gm_m{OH$ joÌ _| ~r_mH$Vm©Am| Ûmam
ê$n _| AmaEgE_-1 Am¡a AmaEgE_-2 _| go CƒVa hmoJm&
{H$`o OmZodmbo OrdZ ~r_m ì`dgm` Ho$ à{VeV H$mo
• AmaEgE_-1 g o A{^àVo h,¡ {Zdb àr{_`_m | na AmYm[aV {d{Z{X©ï> H$aZm
Ano{jV emoYZ-j_Vm _m{O©Z, VWm `h Cg am{e Ho$
III.14.1 AmB©AmaS>rEAmB© (J«m_rU Am¡a gm_m{OH$ joÌm| Ho$
~rg à{VeV Ho$ ê$n _| {ZYm©[aV {H$`m OmEJm Omo H$maH$
à{V ~r_mH$Vm©Am| Ho$ Xm{`Ëd) {d{Z`_, 2015, 24 AJñV
E Ama¡ {Zdb àr{_`_m | Ûmam JUw m {H$` o J` o gH$b àr{_`_m|
2015 H$mo A{Ygy{MV {H$`o J`o h¢ VWm `o AmB©AmaS>rE (J«m_rU
H$m CƒVa h¡& AmaEgE_-1 Ho$ n[aH$bZ Ho$ à`moOZ Ho$
Am¡a gm_m{OH$ joÌm| Ho$ à{V ~r_mH$Vm©Am| Ho$ Xm{`Ëd) {d{Z`_,
{bE "{nN>bo 12 _hrZm| Ho$ àr{_`_' H$mo {hgm~ _| {b`m
2002 H$m A{YH«$_U H$aVo h¢²& BZ {d{Z`_m| _| C{„pIV Xm{`Ëd
OmEJm&
{dÎmr` df© 2016-17 go bmJy h¢²& {d{Z`m_H$ àmdYmZm| Ho$
AZwgma, ~r_mH$Vm©Am| H$mo àË`oH$ {dÎmr` df© _| {ZYm©[aV J«m_rU
• AmaEgE_-2 go A{^àoV h¡, {Zdb CnJV Xmdm| na
Am¡a gm_m{OH$ joÌ Ho$ Xm{`Ëdm| H$mo nyam H$aZm Mm{hE²& BgHo$
AmYm[aV Ano{jV emoYZ-j_Vm _m{O©Z, VWm `h Cg
Abmdm, AmB©AmaS>rEAmB© (J«m_rU Am¡a gm_m{OH$ joÌm| Ho$
am{e Ho$ Vrg à{VeV Ho$ ê$n _| {ZYm©[aV {H$`m OmEJm Omo
à{V ~r_mH$Vm©Am| Ho$ Xm{`Ëd) {d{Z`_, 2015 H$m g§emoYZ
H$maH$ ~r Am¡a {Zdb CnJV Xmdm| Ho$ Ûmam JwUm {H$`o J`o
{H$`m J`m h¡ VWm BÝh| AmB©AmaS>rEAmB© (J«m_rU, gm_m{OH$
Am¡a _moQ>a AÝ` nj Xm{`Ëd) {d{Z`_, 2024 Ho$ ê$n _|
g_o{H$V {H$`m J`m h¡ Omo 1 Aà¡b 2024 go àd¥Îm hm|Jo&
122 Annual Report 2023-24^mJ -
IV
g§JR>ZmË_H$ {df`
Annual Report 2023-24 123124 Annual Report 2023-24g§JR>ZmË_H$ {df`
IV.1. g§JR>Z lr amO¶ Hw$_ma {gÝhm H$mo nyU©H$m{bH$ gXñ` ({dÎm Am¡a
{Zdoe) Ho$ ê$n _| 24 OZdar 2024 go {Z`wº$ {H$`m J`m&
IV.1.1. AmB©AmaS>rEAmB© A{Y{Z`_, 1999 H$s Ymam 4 Ho$
AZwgma, àm{YH$aU H$s g§aMZm EH$ AÜ`j, nm±M VH$ lr amHo$e Omoer, nyU©H$m{bH$ gXñ` ({dÎm Am¡a {Zdoe) Am¡a
nyU©H$m{bH$ gXñ`m|, VWm A{YH$V_ Mma A§eH$m{bH$ gXñ`m| lr_Vr Eg. EZ. amOoœar, nyU©H$m{bH$ gXñ` ({dVaU) H«$_e…
Ho$ gmW ~ZVr h¡& 31 _mM© 2024 H$s pñW{V Ho$ AZwgma, 1 {Xg§~a 2023 Am¡a 3 _mM© 2024 VH$ nX na ~Zo aho&
AmB©AmaS>rEAmB© _| EH$ AÜ`j, Mma nyU©H$m{bH$ gXñ`,
lr gË`OrV {ÌnmR>r H$mo nyU©H$m{bH$ gXñ` ({dVaU) Ho$ ê$n
VWm Xmo A§eH$m{bH$ gXñ` h¢²& {dñV¥V gyMZm ZrMo Xr JB© h¡…
_| 24 _B© 2024 go {Z`wº$ {H$`m J`m&
AÜ`j…
lr XrnH$ gyX H$mo nyU©H$m{bH$ gXñ` (J¡a-OrdZ) Ho$ ê$n _|
lr Xo~merf nÊS>m, AmB©EEg (`ynr…87) (godm{Zd¥Îm), ^yVnyd© 12 AJñV 2024 go {Z`wº$ {H$`m J`m&
g{Md, {dÎmr` godmE± {d^mJ H$mo ^maV gaH$ma Ûmam àm{YH$aU
A§eH$m{bH$ gXñ`…
Ho$ AÜ`j Ho$ ê$n _| 14 _mM© 2022 go VrZ df© H$s Ad{Y Ho$
{bE {Z`wº$ {H$`m J`m& lr gw{MÝÐ {_l, Ana g{Md, {dÎmr` godmE± {d^mJ, {dÎm
_§Ìmb`, ^maV gaH$ma H$mo àm{YH$aU Ho$ A§eH$m{bH$ gXñ`
nyU©H$m{bH$ gXñ`…
Ho$ ê$n _| 4 OwbmB© 2022 go {Z`wº$ {H$`m J`m Wm Am¡a do 27
lr Wm_g E_. Xdo m{g`m, {OÝh | 19 {gV~§ a 2022 g o nUy H© $m{bH$ OyZ 2023 VH$ Cº$ nX na ~Zo aho&
gXñ` (J¡a-OrdZ) Ho$ ê$n _| {Z`wº$ {H$`m J`m Wm, df©
S>m°. _mé{V àgmX V§{Jambm, Ana g{Md, {dÎmr` godmE± {d^mJ,
2023-24 Ho$ Xm¡amZ Omar aho& CZH$m H$m`©H$mb 11 OwbmB©
{dÎm _§Ìmb`, ^maV gaH$ma H$mo àm{YH$aU Ho$ A§eH$m{bH$
2024 H$mo g_má hþAm²&
gXñ` Ho$ ê$n _| 28 OyZ 2023 go {Z`wº$ {H$`m J`m&
lr nr. Ho$. Aamo‹S>m, nyU©H$m{bH$ gXñ` (~r_m§H$H$) àm{YH$aU
grE A{ZHo$V gwZrb VbmQ>r, AÜ`j, ^maVr` gZXr boImH$ma
_| {dÎmr` df© 2023-24 Ho$ Xm¡amZ ~Zo aho& ^maV gaH$ma H$s
g§ñWmZ, 12 \$adar 2023 go àm{YH$aU Ho$ A§eH$m{bH$ gXñ`
A{YgyMZm {XZm§H$ 8 OZdar 2024 Ho$ AZwgma lr nr. Ho$.
~Zo VWm 11 \$adar 2024 VH$ ~Zo aho& VXþnam§V, grE a§OrV
Aamo‹S>m H$m H$m`©H$mb 4 OZdar 2024 go Xmo df© Ho$ {bE
Hw$_ma AJ«dmb, AÜ`j, ^maVr` gZXr boImH$ma g§ñWmZ 12
~‹T>m`m J`m&
\$adar 2024 go àm{YH$aU Ho$ A§eH$m{bH$ gXñ` ~Zo&
lr ~r.gr. nQ>Zm`H$ H$mo 1 _B© 2023 go nyU©H$m{bH$ gXñ`
(OrdZ) H$mo ê$n _| {Z`wº$ {H$`m J`m&
Annual Report 2023-24 125gmaUr IV.1: 31 _mM© 2024 H$mo àm{YH$aU H$s g§aMZm
H«$.g§. AÜ`j AmB©AmaS>rE A{Y{Z`_, 1999 H$s Ymam 4(H$) Ho$ AYrZ {Z`wº$
1. lr Xo~merf nÊS>m
H«$.g§. nyU©H$m{bH$ gXñ` AmB©AmaS>rE A{Y{Z`_, 1999 H$s Ymam 4(I) Ho$ AYrZ {Z`wº$
1. lr nr.Ho$. Aamo‹S>m gXñ` (~r_m§H$H$)
2. lr Wm_g Xodm{g`m gXñ` (J¡a-OrdZ)
3. lr ~r. gr. nQ>Zm`H$ gXñ` (OrdZ)
4. lr amO` Hw$_ma {gÝhm gXñ` ({dÎm Am¡a {Zdoe)
H«$.g§. A§eH$m{bH$ gXñ` AmB©AmaS>rE A{Y{Z`_, 1999 H$s Ymam 4(J) Ho$ AYrZ {Z`wº$
1. S>m°. _mé{V àgmX V§{Jambm Ana g{Md, {dÎmr` godmE± {d^mJ, {dÎm _§Ìmb`
2. grE a§OrV Hw$_ma AJ«dmb AÜ`j, ^maVr` gZXr boImH$ma g§ñWmZ
IV.1.2 àm{YH$aU H$s ~¡R>H|$
IV.1.2 {dÎmr` df© 2023-24 Ho$ Xm¡amZ, àm{YH$aU H$s ~¡R>H|$ gmaUr IV.2 _| C{„pIV ê$n _| Mma Adgam| na Am`mo{OV H$s JBª²&
gmaUr IV.2: àm{YH$aU H$s ~¡R>H$m| H$m {ddaU
àm{YH$aU H$s ~¡R>H$ {XZm§H$
àm{YH$aU H$s 122dt ~¡R>H$ 2 OyZ 2023
àm{YH$aU H$s 123dt ~¡R>H$ 18 AJñV 2023
àm{YH$aU H$s 124dt ~¡R>H$ 28 {Xg§~a 2023
àm{YH$aU H$s 125dt ~¡R>H$ 19 _mM© 2024
IV.3 2023-24 Ho$ Xm¡amZ Am`mo{OV Am¡a àm{YH$aU Ho$ àË`oH$ gXñ` Ûmam CnpñWV ~¡R>H$m| H$m {ddaU
Zm_ Am`mo{OV ~¡R>H$m| H$s g§»`m CnpñWV ~¡R>H$m| H$s g§»`m
AÜ`j
lr Xo~merf nÊS>m 4 4
nyU©H$m{bH$ gXñ`
lr nr.Ho$. Aamo‹S>m 4 4
lr_Vr Eg.EZ. amOoœar 3 2
lr amHo$e Omoer 2 2
lr Wm_g Xodm{g`m 4 4
lr ~r. gr. nQ>Zm`H$ 3 3
lr amO¶ Hw$_ma {gÝhm 1 1
A§eH$m{bH$ gXñ`
lr gw{MÝÐ {_l 1 1
S>m°. _mé{V àgmX V§{Jambm 3 3
grE A{ZHo$V gwZrb VbmQ>r 3 3
grE a§OrV Hw$_ma AJ«dmb 1 1
126 Annual Report 2023-24{Q>ßnUr… H$m {d{Z`moOZ H$aZo VWm H$m`©ñWb H$s g§ñH¥${V H$m g§dY©Z
H$aZo Ho$ Ûmam {Z`moº$m-H$_©Mmar g§~§Y H$mo _O~yV H$aZm h¡&
1. S>m°. _mé{V àgmX V§{Jambm H$mo lr gwMrÝÐ {_l Ho$
Bg {d^mJ H$s n[aÑ{ï> CZ H$m`©H«$_m| Am¡a à{H«$`mAm| H$m {dH$mg
ñWmZ na A§eH$m{bH$ gXñ` Ho$ ê$n _| 28 OyZ 2023
H$aZm, H$m`m©Ýd`Z H$aZm Am¡a CZH$m g_W©Z H$aZm h¡ Omo
H$mo {Z`wº$ {H$`m J`m&
àm{YH$aU Am¡a BgHo$ H$_©Mm[a`m| H$m _yë`-g§dY©Z H$aVo h¢
2. grE a§OrV Hw$_ma AJ«dmb H$mo grE A{ZHo$V gwZrb {Oggo ~ohVa H$_©Mmar H$ë`mU, geº$sH$aU Am¡a à{VYmaU
VbmQ>r Ho$ ñWmZ na A§eH$m{bH$ gXñ` Ho$ ê$n _| 12 Ho$ {bE _mJ© àeñV hmoVm h¡&
\$adar 2024 H$mo {Z`wº$ {H$`m J`m&
df© Ho$ Xm¡amZ, àdoe Ho$ ñVa AWm©V² ghm`H$ à~§YH$m| Ho$ ñVa
na ^Vu H$s à{H«$`m g§Mm{bV H$s JB© VWm 31 _mM© 2024 H$s
IV.2 _mZd g§gmYZ
pñW{V Ho$ AZwgma Z`o ^Vu {H$`o J`o 41 ghm`H$ à~§YH$m| Zo
AmB©AmaS>rEAmB© _| H$m`©J«hU {H$`m h¡&
IV.2.1 _mZd g§gmYZ à~§Y H$m H$m`© gm_mÝ` àemgZ H$s
EH$ AË`mdí`H$ J{V{d{Y h ¡ VWm AmBA© maS>rEAmB © H$m gm_mÝ`
ñQ>m\$ g§»`m
àemgZ Ama¡ _mZd gg§ mYZ (OrEEÊS>EMAma) {d^mJ àm{YH$aU
IV.2.2 ñQ>m\$ g§»`m Am¡a A{V[aH$V l_e{º$ H$s Amdí`H$Vm
_| CgH$s {d{dYrH¥$V Amdí`H$VmE± nyar H$aZo hoVw EH$ Hw$eb
H$s g_`-g_` na g_rjm H$s OmVr h¡& àm{YH$aU EH$
Am¡a A{^ào[aV H$m`©~b H$m {Z_m©U H$aZo Am¡a Cgo ~Zm`o aIZo
A{YH$mar-A{^_wI g§JR>Z h¡& 31 _mM© 2024 H$s pñW{V Ho$
Ho$ {bE EH$ g_W©H$ Am¡a ghm`H$ H$s ^y{_H$m H$m {Zdm©h
AZwgma ñdrH¥$V Am¡a dmñV{dH$ ñQ>m\$ g§»`m H$s pñW{V gmaUr
H$aVm h¡& _w»` CÔoí` H$m`©-g§Vmof H$m _mnZ H$aZo, H$_©Mm[a`m|
IV.4 _| Xr JB© h¡&
gmaUr IV.4: AmB©AmaS>rEAmB© _| ñdrH¥$V Am¡a dmñV{dH$ ñQ>m\$ g§»`m
dJ© 31 _mM© 2023 H$mo 31 _mM© 2024 H$mo
ñdrH¥$V dmñV{dH$ ñdrH¥$V dmñV{dH$
I 336 201 374 229
IV.2.3 loUr-dma ñQ>m\$ g§»`m
ñQ>m\$-gXñ`m| H$m loUr-dma {dVaU gmaUr IV.5 _| {X`m J`m h¡&
gmaUr IV.5: AmB©AmaS>rEAmB© _| loUr-dma ñQ>m\$ g§»`m
loUr dJ©31 _mM© 2023 H$mo pñW{V 31 _mM© 2024 H$mo pñW{V
AOm AOOm AÝ` Hw$b AOm AOOm AÝ` Hw$b
I 24 8 169 201 28 10 191 229
(11.94) (3.98) (84.08) (100.00) (12.23) (4.37) (83.41) (100.00)
{Q>ßnUr… H$moð>H$ _| Am§H$‹S>o Hw$b g§»`m _| go à{VeV Xem©Vo h¢²&
Annual Report 2023-24 127H$_©Mm[a`m| H$s qbJ Am¡a Am`w ê$naoIm
IV.2.4 229 H$_M© m[a`m | _ | g o 52 _{hbmE ± h ¢ Om o H$wb H$_M© m[a`m|
H$m 22.71 à{VeV h&²¢ AmBA© maS>rEAmB © EH$ `dw m Ama¡ J{Verb
g§JR>Z h¡ {OgHo$ H$_©Mm[a`m| H$s Am¡gV Am`w bJ^J 41 df©
h¡& df© 2023-24 _| ñQ>m\$ gXñ`m| H$m Am`w-dma {dVaU
gmaUr IV.6 _| {X`m J`m h¡&
gmaUr IV.6: AmB©AmaS>rEAmB© _| ñQ>m\$ H$m
Am`w-dma {dVaU
à{ejU Am¡a {dH$mg
Am`w (df©) ñQ>m\$ g§»`m à{VeV
< 30 38 16.59 IV.2.6 à{ejU Am¡a {dH$mg H$_©Mm[a`m| Ho$ d¡`{º$H$ Am¡a
ì`mdgm{`H$ H$m¡eb, kmZ Am¡a j_VmAm| H$mo {dH${gV H$aZo
31 - 40 66 28.82
Ho$ {bE CZH$s ghm`Vm H$aZo hoVw AË`§V _hËdnyU© h¢²& kmZ Ho$
41 - 50 76 33.19
AmYma H$mo ~‹T>mZo Am¡a ì`mnH$ H$aZo Ho$ {bE H$_©Mm[a`m| H$mo
51 - 60 49 21.40 {d{^Þ à{ejU H$m`©H«$_m| Ho$ {bE Zm{_V {H$`m J`m h¡& ñQ>m\$
Hw$b 229 100 gXñ`m| Ho$ kmZ, H$m¡eb Am¡a H$m`©j_VmAm| _| d¥{Õ H$aZo Ho$
{bE df© Ho$ Xm¡amZ AZoH$ à{ejU nhb| ^r H$s JB© Wt²&
J«oS>-dma ñQ>m\$ g§»`m
Kaoby à{ejU Ed§ àdoe à{ejU…-
IV.2.5 ñQ>m\$ gXñ`m| H$m J«oS>-dma {dVaU gmaUr IV.7 _|
{X`m J`m h¡&
IV.2.7 Z`o ^Vu {H$`o J`o ghm`H$ à~§YH$m| Ho$ {bE ~r_m
OmopI_ à~§Y g§ñWmZ (AmB©AmB©AmaE_) Am¡a B§{S>`Z ñHy$b
gmaUr IV.7: AmB©AmaS>rEAmB© _| J«oS>-dma Amµ\$ {~OZog (AmB©Eg~r), h¡Xam~mX Ho$ gh`moJ go 4 _hrZo
ñQ>m\$ g§»`m H$s Ad{Y Ho$ {bE àdoe à{ejU {X`m J`m& BZ A{YH$m[a`m|
H$mo H$jm _| à{ejU Am¡a gmW hr, à{ejU Ad{Y Ho$ A§V _|
J«oS> 2022-23 2023-24 àñVwV H$aZo Ho$ {bE {d{^Þ n[a`moOZmE± / AZwg§YmZ H$m`©
{X`o J`o& Cº$ A{YH$m[a`m| Ho$ Ûmam àñVwV H$s JB© n[a`moOZm
H$m`©H$mar {ZXoeH$ (B©S>r) 4 3
[anmoQ>m] H$s H$m\$s gamhZm H$s JB©²&
_w»` _hmà~§YH$ (grOrE_) 10 10
BZ A{YH$m[a`m| H$mo ñWmZ na (AmZgmBQ>) à{ejU H$m ^r
_hmà~§YH$ (OrE_) 26 23
Adga {X`m J`m {Og_| CÝhm|Zo {d{^Þ ñVam| na {H$`o OmZodmbo
Cn _hmà~§YH$ (S>rOrE_) 45 44 H$m`©H$bmnm| H$m ~moY àmá H$aZo Ho$ {bE ~r_m H§$n{Z`m| H$m
g§Xe©Z {H$`m&
ghm`H$ _hmà~§YH$ (EOrE_) 29 27
à~§YH$ (E_OrAma) 71 66 kmZ _§M AmB©AmaS>rEAmB© H$m OmZH$mar H$mo gmPm H$aZo
H$m EH$ ßboQ>\$m_©
ghm`H$ à~§YH$ (EE_) 16 56
Hw$b 201 229
IV.2.8 Z`o, nwZZ©drH¥$V AÜ``Z \$moa_ H$m Zm_ ~XbH$a Z`m
Zm_ "kmZ _§M' aIm J`m&
128 Annual Report 2023-24Cº$ kmZ _§M _| àñVwVrH$aU Ho$ {bE M`{ZV {df`, ~r_m Kaoby à{ejU
Am¡a àm¡Úmo{JH$s Ho$ gmW g§~§Y aIVo hþE, g_J« AW©ì`dñWm
n`©dojH$ _hm{dÚmb` (grAmoEg) Ama~rAmB© Ûmam
Am¡a {dÎmr` joÌ go g§~§{YV h¢²& BZ_| amï´>r` Am¡a A§Vaamï´>r`
à{ejU H$m`©H«$_ n`©dojH$ _hm{dÚmb`,
_hËd, d¡{œH$ àd¥{Îm`m| Am¡a J{V{d{Y`m|, ~r_m H$mo à^m{dV
H$aZodmbo ZdmoÝ_ofUm| Am¡a C^aVo OmopI_m| Ho$ gm_{`H$ {df` IV.2.9 ^maVr` [aµOd© ~¢H$ Ûmam df© Ho$ Xm¡amZ g§Mm{bV {d{^Þ
em{_b h¢²& à{ejU H$m`H© $«_m |_ |{d^mJm |/ {_eZ nÕ{V Q>r_m |H$o A{YH$m[a`m|
H$mo Zm{_V {H$`m J`m&
df© Ho$ Xm¡amZ kmZ _§M Ho$ AYrZ gmB~a / B©-_ob gwajm Am¡a
OmopI_ H$s g_P Am¡a n`©dojU na gÌ Am`mo{OV {H$`o J`o& Q>moa§Q>mo Ho$ÝÐ, Ama~rEgE\$
IV.2.10 AmB©AmaS>rEAmB© Zo ^maV _| ~r_m joÌ Ho$ {bE
OmopI_ AmYm[aV n`©dojr T>m±Mo (Ama~rEgE\$) Ho$ {dH$mg
Am¡a H$m`m©Ýd`Z Ho$ {bE Q>moa§Q>mo Ho$ÝÐ (Q>rgr) Ho$ gmW H$ama
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IV.3.8 H$_©Mm[a`m| H$s {hÝXr ^mfm kmZ Am¡a à{ejU Ho$
H$mo AmB©AmaS>rEAmB© Ho$ ZB© {X„r joÌr` H$m`m©b` H$m g\$b
AZwgma CZHo$ {hÝXr kmZ Ho$ amoñQ>a H$mo AÚVZ {H$`m J`m&
amO^mfm`r {ZarjU {H$`m J`m& BgH$o A{V[aº$ àYmZ H$m`mb© `
{deof ê$n go BgH$m Cn`moJ H$_©Mm[a`m| H$mo {hÝXr à{ejU
Ho$ amO^mfm {d^mJ Zo \$adar - _mM© 2024 _| àYmZ H$m`m©b`
g§ñWmZ, amO^mfm {d^mJ, J¥h _§Ìmb`, ^maV gaH$ma Ûmam
Ho$ g^r {d^mJm| Ho$ Abmdm _w§~B© joÌr` H$m`m©b` Am¡a ZB©
g§Mm{bV àmk Am¡a nma§JV Ho$ à{ejU H$m`©H«$_m| hoVw Zm{_V
{X„r joÌr` H$m`m©b` H$m amO^mfm`r {ZarjU {H$`m&
H$aZo Ho$ {bE {H$`m J`m& 2023-24 Ho$ Xm¡amZ 26 H$_©Mm[a`m|
H$mo àmk Am¡a nma§JV {hÝXr kmZ à{ejU {X`m J`m& {hÝXr
132 Annual Report 2023-24{hÝXr nIdm‹S>m ì`mdgm` {dûcofU-nÕ{V n[a`moOZm (~rEnr)
IV.3.11 AmB©AmaS>rEAmB© Ho$ àYmZ H$m`m©b` d joÌr` IV.4.2 ì`dgm` {dûcofU-nÕ{V n[a`moOZm (~rEnr) namoj
H$m`m©b`m| _| 14 go 29 {gV§~a 2023 VH$ {hÝXr nIdm‹S>m (Amµ\$gmBQ>) {d{Z`m_H$ {ZJamZr Ho$ {bE AmB©AmaS>rEAmB©
_Zm`m J`m, {OgH$m CÓmQ>Z _mZZr` J¥h amÁ` _§Ìr lr AO` Ûmam EH$ godm àXmVm Ho$ _mÜ`_ go {dH${gV Am¡a g§Mm{bV
{_lm Or Ûmam H|$Ðr`H¥$V én go V¥Vr` ApIb ^maVr` amO^mfm AZwà`moJ h¡& `h ~rEnr 2.0 AmB©AmaS>rEAmB© H$s ghm`Vm 3
gå_obZ, nwUo _| {H$`m J`m& H$m`m©b` Ho$ g^r H$m{_©H$ Bg gr So>Q>m Ho$ g§J«hU (H$boŠQ>), ghg§~§Y ñWmnZm (H$mo[aboQ>),
CÓmQ>Z g_mamoh Ho$ gmjr ~Zo& Bg nIdm‹S>o Ho$ Xm¡amZ, qhXr d Am¡a {ZîH$f© {ZU©`Z (H§$ŠbyqS>J) àmá H$aZo _| H$aVm h¡&
qhXrÎma ^mfr H$_©Mm[a`m| Ho$ {bE Xg à{V`mo{JVmAm|- {Z~§Y ~r_mH$Vm©Am| Am¡a {d{^Þ _Ü`d{V©`m| go àmá hmoZodmbo So>Q>m H$m
boIZ, H$hmZr boIZ, AZwdmX, amO^mfm Zr{V Ed§ qhXr {Q>ßnU Cn`moJ ~ohVa {ZJamZr Am¡a n`©dojU Ho$ {bE {H$`m OmVm h¡&
à{V`mo{JVm(Cn _hmà~§YH$ Ed§ CƒVa J«oS> hoVw), ñ_aU, qhXr CÚmoJ Ho$ gmW g§~ÕVm aIZo _| Am¡a AmB©AmaS>rEAmB© _|
^mfU, àýmoÎmar, A§Vmjar, AW©nyU© qhXr eãX Ed§ {deof A{YH$m§e Am§V[aH$ H$m`©àdmh H$mo ñdMm{bV ~ZmZo _| VWm
gm°µâQ>do`a Ho$ _mÜ`_ go Am°ZbmBZ qhXr Q>§H$U H$m Am`moOZ BgHo$ Ûmam Ëd[aV {ZU©`Z _| nmaX{e©Vm bmZo _| ~rEnr ghm`Vm
{H$`m J`m& H$aVr h¡&
AmB©AmaS>rEAmB© Ho$ àYmZ H$m`m©b` d joÌr` H$m`m©b`m| _| _mZd g§gmYZ à~§Y àUmbr (EMAmaE_Eg)
qhXr nIdm‹S>m H$m Am`moOZ {H$`m J`m, nIdm‹S>m _| gdm©{YH$
IV.4.3 EMAmaE_Eg AZwà`moJ H$s H$m`m©Ë_H$Vm H$m g§dY©Z
nwañH$ma OrVZo dmbo {d^mJ Am¡a gdm©{YH$ à{V^m{JVm H$aZo
H$aZo hoVw {dH«o$Vm H$mo {ZåZ{bpIV Ho$ {bE àdoe (AmZ~mo{Sª>J)
dmbo {d^mJ H$mo ^r nwañH¥$V {H$`m J`m& nIdm‹S>o Ho$ g_mnZ
{X`m J`m h¡…
g_mamoh _| 92 A{YH$m[a`m| Am¡a 2 {d^mJm| H$mo nwañH¥$V {H$`m
J`m& EH$ g\$b qhXr nIdm‹S>o H$m Am`moOZ g§nÞ hþAm²&
• àma§{^H$ (\«§$Q> E§S>) àm¡Úmo{JH$s Ho$ ê$n _| {\$`moar H$m
{dH$mg Am¡a g_Ýd`Z;
AÝ` gyMZm
• So>ñH$Q>mnm|, Q>¡ãboQ>m| Am¡a _mo~mBb \$moZm| Am{X Ho$ _mÜ`_
IV.3.12 AmB©AmaS>rEAmB© Ûmam ñ_¥{V AmYm[aV AZwdmX
go AZwà`moJ VH$ àdoe hoVw à`moº$mAm| Ho$ {bE EH$
gm°âQ>do`a Qy>b H§$R>ñW 2.0 H$m à`moJ H$aZo Ed§ CgH$s ½bmo~b
n[aîH¥$V, {d{^Þ àUm{b`m| Am¡a gmYZm| Ho$ gmW à`wº$
AZdw mX S>oQ>m~go H$m o gÑw T> H$aZ o H$o {bE H$§R>ñW 2.0 _ | nO§ rH$aU
{H$`m Om gH$Zdo mbm ({S>dmBg E¾mpoñQ>H$) à`mºo $m BQ§ >a\$og
{H$`m J`m& {hÝXr H$mo ~‹T>mdm XoZo Ho$ {bE Bg df© à_wI
CnbãY H$amZm&
boIH$m| Ho$ Ûmam {bIr JB© 69 qhXr nwñVH|$, AmB©AmaS>rEAmB©
Ho$ nwñVH$mb` _| gpå_{bV H$s JBª Am¡a {Za§Va ha df© qhXr
Am§V[aH$ AZwà`moJ
nwñVH$m| Ho$ ~OQ> _| d¥{Õ H$s Om ahr h¡& ~r_m OmJéH$Vm ~‹T>mZo
Ho$ CÔoí` go g^r gå~§{YV {df`m| H$mo {hÝXr Am¡a AÝ` joÌr` IV.4.4 df© Ho$ Xm¡amZ, {ZåZ{bpIV J{V{d{Y`m± H$s JBª: L
^mfmAm| _| CnbãY H$amZo _| amO^mfm {d^mJ Zo g{H«$`Vm go H«$m°g ~m°S©>a nwZ~u_m, AmB©E_E\$, AmB©EgEZnr AZwà`moJm| Ho$
gh`moJ àXmZ {H$`m& AmB©AmaS>rEAmB© _| Hw$b {dkmnZ ì`` {bE aIaImd Am¡a g_W©Z&
H$m 50 à{VeV go A{YH$ H$s am{e qhXr Am¡a joÌr` ^mfmAm|
Ho$ {dkmnZ na ì`` H$s JB©²& ~r_mH$Vm©Am| Ho$ {bE gyMZm Am¡a gmB~a gwajm
IV.4.5 AmB©AmaS>rEAmB© Zo ~r_mH$Vm©Am| Ho$ {bE gyMZm Am¡a
IV.4 gyMZm àm¡Úmo{JH$s
gmB~a gwajm hoVw {ZåZ{bpIV nhb| H$s h¢ / H$X_ CR>m`o h¢ :
IV.4.1 AmB©Q>r àUmbr H$s Hw$ebVm Am¡a à^mdH$m[aVm H$mo
• {ZåZ{bpIV CÔoí` go EH$ g_{n©V H$j H$m JR>Z {H$`m
Bï>V_ ~ZmZo Ho$ {bE h_mar g§d{Y©V à{V~ÕVm Ho$ EH$ A{^Þ
J`m h¡…
nhby Ho$ ê$n _| AmB©AmaS>rEAmB© Zo {ZåZ{bpIV nhb| H$s h¢:
Annual Report 2023-24 133• {d{Z`{_V g§ñWmAm| (AmaB©) _| gmB~a gwajm {df`m| IV.4.7 AmB©AmaS>rEAmB© H$s àUm{b`m| Am¡a à{H«$`mAm| _|
H$s {ZJamZr ~‹T>mZm Ed§ AmaB© Ho$ gmW g§~Õ {df`m| _| Agwa{jVVmAm| H$s nhMmZ H$aZo Am¡a CÝh| erK«Vmnyd©H$ ~§X
AÝ` {d{Z`_ZH$Vm©Am| Am¡a àm{YH$aUm| Ho$ gmW ~ohVa H$aZo Ho$ {bE AmB©AmaS>rEAmB© H$s _yb^yV g§aMZm H$m EH$
g_Ýd` aIZm& dm{f©H$ ì`mnH$ gmB~a gwajm g§narjU (Am{S>Q>) g§Mm{bV
{H$`m J`m&
• dm{f©H$ ~r_m boIm-narjm (EEE) H$s g_` na àñVw{V
Ho$ {bE ~r_mH$Vm©Am| Ho$ gmW K{Zð> AZwdV©Zm| Ho$ Ûmam
IV.4.8 AmB©AmaS>rEAmB© Zo OyZ 2023 _| Am§V[aH$ gyMZm
~r_mH$Vm©Am| H$s AmB©Q>r gwajm H$mo _O~yV H$aZm&
gwajm à~§Y àUmbr (AmB©EgE_Eg) Zr{V Omar H$s, {Og_|
• gmB~a Ame§H$mAm| Ho$ n[aÑí` _| C^aVr MwZm¡{V`m| VWm AmB©AmaS>rEAmB© H$s AmB©Q>r gwajm Am¡a à{H«$`mAm| H$mo _O~yV
gmB~a gwajm Ame§H$mAm| Ho$ ~ohVa à~Y Ho$ g§~§Y _| H$aZo Ho$ {bE gyMZm gwajm Zr{V`m± Am¡a à{H«$`mE± VWm gmB~a
~r_mH$Vm©Am| Ho$ gmW {Z`{_V ê$n go g§nH©$ aIZm& g§H$Q> à~§Y `moOZm {Z{hV h¢²&
• AmBA© maS>rEAmB © H$o gMy Zm Ama¡ gaw jm {Xem{ZXe} , {XZmH§ $
IV.4.9 gmB~a ñdmñÏ`-{dkmZ (hmBOrZ) Am¡a gdm}Îm_
07 Aà¡b 2017 H$s g_rjm Ho$ {bE J{R>V g{_{V H$s
nÕ{V`m| Ho$ g§~§Y _| H$_©Mm[a`m| H$s OmJê$H$Vm _| gwYma bmZo
{g\$m[aem| Ho$ AmYma na, Z`o ì`mnH$ AmB©AmaS>rEAmB©
Ho$ {bE gmB~a OmJê$H$Vm {Xdg (grOoS>r) gÌ Am¡a AÝ`
gyMZm Am¡a gmB~a gwajm {Xem{ZX}e, 2023 Omar {H$`o
AZwê$nU Aä`mg {Z`{_V ê$n go g§Mm{bV {H$`o J`o h¢²&
J`o h¢²& g^r ~r_m _Ü`d{V©`m| H$mo BZ {Xem{ZX}em| Ho$
{dñVma _| bm`m J`m h¡& IV.5 boIm
• AmB©AmaS>rEAmB© Zo dV©_mZ AWdm C^aVr hþB©
{dÎm df© 2023-24 Ho$ {bE àm{YH$aU Ho$ ImVo V¡`ma {H$E Om
àm¡Úmo{J{H$`m| _| A§V{Z©{hV Ame§H$mAm| H$s {Z`{_V ê$n
aho h¢²& {dÎm df© 2022-23 Ho$ {bE boImnar{jV ImVo
go g_rjm H$aZo VWm ~r_m CÚmoJ H$s gmB~a gwajm
AmB©AmaS>rE A{Y{Z`_, 1999 H$s Ymam 17 Ho$ AZwgma g§gX
g§pñW{V Am¡a AmKmV-ghZr`Vm H$mo AmJo Am¡a _O~yV
Ho$ g_j aIo JE²&
H$aZo Ho$ {bE Cn`wº$ n[adV©Z gwPmZo Ho$ {bE gmB~a
gwajm g§~§Yr ñWm`r g{_{V H$m JR>Z {H$`m h¡& Bg
IV.6 Am^ma-àXe©Z
g{_{V _| {dÎmr` joÌ Ho$ à{V{Z{Y, AH$mX_r{e`Z Ed§
gQ>©-BZ Ho$ à{V{Z{Y em{_b h¢²& IV.6.1 AmBA© maS>rEAmB © àm{YH$aU H$o gXñ`m,| ~r_m gbmhH$ma
g{_{V Ho$ gXñ`m|, nwZ~u_m gbmhH$ma g{_{V, {dÎmr` godmE±
• AmB©AmaS>rEAmB© _hËdnyU© gyMZm _yb^yV g§aMZm
{d^mJ ({dÎm _§Ìmb`), nam_e©XmÌr g{_{V Ho$ gXñ`m|, g^r
(grAmB©AmB©) Ho$ ê$n _| ~r_mH$Vm©Am| / {d{Z`{_V
~r_mH$Vm©Am| Am¡a _Ü`d{V©`m| H$mo CZHo$ A_yë` _mJ©Xe©Z Ed§
g§ñWmAm| H$s nhMmZ H$aZo Ho$ {bE EZgrAmB©AmB©nrgr
gh`moJ Ho$ {bE; VWm AmB©AmaS>rEAmB© Ho$ A{YH$m[a`m| Am¡a
(amï´>r` _hËdnyU© gyMZm _yb^yV g§aMZm g§ajU Ho$ÝÐ)
H$_©Mm[a`m| H$s gwg§~Õ Q>r_ H$mo CZHo$ H$V©ì`m| Ho$ Hw$eb {Zd©hU
Ho$ gmW g{H«$` ê$n go g_Ýd` H$a ahm h¡&
Ho$ {bE AnZr gamhZm Am¡a hm{X©H$ H¥$VkVm H$mo A{^boI~Õ
Am§V[aH$ gyMZm Am¡a gmB~a gwajm H$m gwÑ‹T>rH$aU H$aZm MmhVm h¡& AmB©AmaS>rEAmB© OZgmYmaU Ho$ gXñ`m|,
àog, ì`mdgm{`H$ {ZH$m`m| Am¡a A§Vaamï´>r` ~r_m n`©dojH$ g§K
IV.4.6 AmB©AmaS>rEAmB© H$s gmB~a gwajm H$mo _O~yV H$aZo (AmB©EAmB©Eg) g{hV AnZr n[afXm| Ho$ _mÜ`_ go ~r_m
Ho$ {bE A§Vambm| H$s nhMmZ H$a CÝh| erK«Vmnyd©H$ ~§X H$aZo ì`dgm` Ho$ gmW g§~Õ A§Vaamï´>r` EO|{g`m| H$mo ^r g_`-
Ho$ {bE, AmB©AmaS>rEAmB© Ho$ bmoH$m{^_wI Am¡a Am§V[aH$ g_` na {X`o J`o CZHo$ _yë`dmZ gh`moJ Ho$ {bE AnZo {deof
AZàw `mJo m |H$o {bE Xm oN>_mhr drEnrQ>r (Agaw {jVVm H$m AmH$bZ Am^ma A{^{bpIV H$aVm h¡&
Am¡a ì`mnZ narjU) H$m g§MmbZ {H$`m J`m&
134 Annual Report 2023-24{ddaU136 Annual Report 2023-24{ddaU 1
~r_m n¡R> H$s A§Vam©ï´>r` VwbZm
(à{VeV _|)
H«$.g§. Xoe* 2022 2023
OrdZ J¡a-OrdZ Hw$b OrdZ J¡a-OrdZ Hw$b
A_o[aH$m
1 `yEgE 2.6 9.0 11.6 2.6 9.3 11.9
2 H$ZmS>m 3.3 4.6 8.0 3.3 4.7 8.0
3 ~«m{µOb 2.1 1.9 4.0 2.1 1.8 3.9
4 _opŠgH$mo 1.1 1.3 2.4 1.1 1.4 2.5
5 AO]Q>rZm 0.2 1.8 2.0 0.2 1.3 1.5
`yamon-_Ü` nyd©-A\«$sH$m
6 X{jU Aµ\Œ$sH$m 9.1 2.2 11.3 9.2 2.3 11.5
7 `yHo$ 8.1 2.4 10.5 7.1 2.6 9.7
8 ñdrS>Z 7.5 1.8 9.3 5.7 1.7 7.4
9 \«$m§g 5.5 3.3 8.7 5.5 3.2 8.7
10 ZrXab¢S> 1.2 7.3 8.5 1.2 7.2 8.3
11 BQ>br 5.8 2.2 8 4.9 2.2 7.1
12 pñdQ²µOab¢S> 3.0 4.0 6.9 2.9 4.0 6.9
13 O_©Zr 2.4 3.5 5.9 2.1 3.4 5.5
14 ñnoZ 2 2.8 4.9 2.5 2.8 5.3
15 Q>H$r© 0.2 1.3 1.5 0.2 1.5 1.7
16 gD$Xr Aa~ 0 1.2 1.3 0.1 1.6 1.7
17 ê$g 0.3 0.6 0.9 0.4 0.7 1.1
E{e`m àem§V
18 VmBdmZ 8.2 3.1 11.4 7.1 3.2 10.3
19 X{jU H$mo[a`m# 5.4 5.8 11.1 5.0 6.0 11
20 qgJmnwa 7.4 1.8 9.2 7.4 1.8 9.2
21 OmnmZ# 5.9 2.3 8.2 6.8 2.1 8.9
22 WmB©b¢S> 3.4 1.9 5.3 3.4 1.9 5.3
23 _bo{e`m# 3.7 1.3 5 3.7 1.4 5.2
24 Am°ñQ´>o{b`m 0.9 3.3 4.2 0.9 3.3 4.2
25 ^maV# 3.0 1.0 4.0 2.8 1.0 3.7
26 MrZ 2.0 1.9 3.9 2.1 1.8 3.9
27 Ý`yµOrb¢S> 0.8 3.0 3.8 0.4 3.2 3.6
28 B§S>moZo{e`m 0.9 0.5 1.4 0.8 0.6 1.3
29 nm{H$ñWmZ 0.6 0.3 0.8 0.5 0.3 0.7
{dœ 2.8 4.0 6.8 2.9 4.2 7.0
* So>Q>m H¡$b|S>a df© 2022 Am¡a 2023 go g§~§{YV h¡
# So>Q>m {dÎmr` df© 2022-23 Am¡a 2023-24 go g§~§{YV h¡“
ZmoQ>: ~r_m n¡R> H$mo àr{_`_ (A_o[aH$s S>m°ba _|) Am¡a OrS>rnr (A_o[aH$s S>m°ba _|) Ho$ AZwnmV Ho$ ê$n _| _mnm OmVm h¡&
òmoV: pñdg ar B§ñQ>rQ>çyQ> {g½_m Z§~a 3/2023 Am¡a 3/2024
Annual Report 2023-24 137{ddaU 2
~r_m KZËd H$s A§Vam©ï´>r` VwbZm
(`yEgS>r _|)
H«$.g§. Xoe* 2022 2023
OrdZ J¡a-OrdZ Hw$b OrdZ J¡a-OrdZ Hw$b
A_o[aH$m
1 `yEgE 2017 6868 8885 2136 7504 9640
2 H$ZmS>m 1840 2552 4392 1759 2507 4267
3 ~«m{µOb 184 168 352 207 183 390
4 AO]Q>rZm 29 252 281 35 190 225
5 _opŠgH$mo 118 146 265 154 197 351
`yamon-_Ü` nyd©-A\«$sH$m
6 pñdQ²µOab¢S> 2730 3634 6364 2832 3998 6830
7 ñdrS>Z 4203 976 5180 3202 983 4185
8 `yHo$ 3669 1111 4781 3466 1294 4759
9 ZrXab¢S> 657 4074 4731 724 4492 5216
10 \«$m§g 2239 1339 3578 2431 1435 3867
11 O_©Zr 1182 1699 2881 1106 1804 2910
12 BQ>br 1966 750 2716 1878 830 2708
13 ñnoZ 601 832 1433 835 909 1744
14 X{jU Aµ\Œ$sH$m 614 149 764 577 141 718
15 gD$Xr Aa~ 14 393 407 19 454 472
16 Q>H$r© 21 133 154 27 197 224
17 ê$g 47 87 134 57 98 155
E{e`m àem§V
18 qgJmnwa 6074 1489 7563 6264 1536 7799
19 VmBdmZ 2656 1006 3662 2285 1022 3307
20 X{jU H$mo[a`m# 1705 1836 3541 1635 1968 3603
21 Am°ñQ´>o{b`m 609 2149 2758 584 2174 2759
22 OmnmZ# 1942 748 2690 2245 693 2938
23 Ý`yµOrb¢S> 373 1395 1768 205 1533 1738
24 _bo{e`m# 432 159 592 425 165 590
25 MrZ 255 234 489 274 234 508
26 WmB©b¢S> 235 134 369 244 140 384
27 ^maV# 70 22 92 70 25 95
28 B§S>moZo{e`m 43 26 68 38 28 66
29 nm{H$ñVmZ 8 4 12 7 4 11
{dœ 354 499 853 361 528 889
* So>Q>m H¡$b|S>a df© 2022 Am¡a 2023 go g§~§{YV h¡
#So>Q>m {dÎmr` df© 2022-23 Am¡a 2023-24 go g§~§{YV h¡
ZmoQ>: ~r_m KZËd H$mo àr{_`_ (A_o[aH$s S>m°ba _|) Am¡a OZg§»`m Ho$ AZwnmV Ho$ ê$n _| _mnm OmVm h¡
òmoV: pñdg ar B§ñQ>rQ>çyQ> {g½_m Z§~a 3/2023 Am¡a 3/2024
138 Annual Report 2023-24{ddaU 3
OrdZ ~r_mH$Vm©Am| Ûmam {bpIV àr{_`_ (^maV Ho$ A§Xa)
(< H$amo‹S> _|)
H«$.g§. ~r_m H§$nZr 2022-23 2023-24
1 EH$mo bmB\$ B§í`moa|g {b{_Q>oS>* - 36.52
2 Am{XË` {~‹S>bm gZ bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 15,069.69 17,260.12
3 E{O`mg \o$S>ab bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 2,289.00 2,697.37
4 Adrdm bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 1,317.45 1,346.86
5 ~OmO Am{b`m§O bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 19,461.43 23,043.04
6 ~§YZ bmB\$ B§í`moa|g H§$nZr {b{_Q>oS>
(nyd© _| EJm°Z bmB\$ Ho$ Zm_ go OmZm OmVm Wm) 369.95 430.91
7 ^maVr EŠgm bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 2,920.58 2,908.30
8 Ho$Zam EMEg~rgr bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 7,197.38 7,128.70
9 H«o${S>Q> EŠgog bmB\$ B§í`moa|g {b{_Q>oS>* - 97.00
10 ES>bdmBg Q>mo{H$`mo bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 1,690.47 1,932.09
11 â`yMa OZabr bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 1,758.01 1,810.54
12 Jmo {S>{OQ> bmB\$ B§í`moa|g {b{_Q>oS>* - 426.36
13 EMS>rE\$gr bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 57,533.42 63,076.48
14 AmB©grAmB©grAmB© àyS|>{e`b bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 39,932.78 43,235.64
15 B§{S>`m\$ñQ>© bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 6,074.53 6,973.83
16 H$moQ>H$ _qhÐm B§í`moa|g H§$nZr {b{_Q>oS> 15,320.46 17,708.38
17 _¡Šg bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 25,341.91 29,528.97
18 nrEZ~r _oQ>bmB\$ bmB\$ B§{S>`m B§í`moa|g H§$nZr {b{_Q>oS> 8,785.21 9,732.28
19 àm_o[aH$m bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 1,495.39 1,919.38
20 [abm`§g {Zßnm°Z bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 5,122.10 5,536.90
21 ghmam B§{S>`m bmB\$ B§í`moa|g H§$nZr {b{_Q>oS>$ 44.19 -
22 Eg~rAmB© bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 67,315.60 81,430.64
23 lram_ bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 2,546.40 3,507.54
24 ñQ>ma `y{Z`Z XmB©-BMr bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 5,746.37 6,717.87
25 Q>mQ>m EAmB©E bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 20,503.50 25,691.82
{ZOr Hw$b 3,07,835.83 3,54,177.54
(16.34) (15.05)
26 ^maVr` OrdZ ~r_m {ZJ_ 4,74,668.14 4,75,751.92
(10.90) (0.23)
CÚmoJ Hw$b 7,82,503.97 8,29,929.46
(12.98) (6.06)
ZmoQ>: H$moð>H$ _| {XE JE Am§H$‹S>o {nN>bo df© H$s VwbZm _| à{VeV _| d¥{Õ Xem©Vo h¢²&
*EH$mo bmB\$ B§í`moa|g {b{_Q>oS> Am¡a H«o${S>Q> EŠgog bmB\$ B§í`moa|g {b{_Q>oS> H$mo 31.03.2023 H$mo AmB©AmaS>rEAmB© go n§OrH$aU à_mUnÌ àmá hþAm h¡ Am¡a
Jmo {S>{OQ> bmB\$ B§í`moa|g {b{_Q>oS> H$mo 09.06.2023 H$mo àm{YH$aU go n§OrH$aU à_mUnÌ àmá hþAm h¡&
$ghmam B§{S>`m bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> (EgAmB©EbAmB©gr) H$m OrdZ ~r_m H$mamo~ma AmB©AmaS>rEAmB© Ûmam AnZo AmXoe {XZm§H$ 02.06.2023 Ho$
VhV Eg~rAmB© bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> (Eg~rAmB© bmB\$) H$mo hñVm§V[aV {H$`m OmVm h¡ Am¡a {dÎm df© 2023-24 Ho$ {bE Cnamoº$ So>Q>m/gyMZm _|
EgAmB©EbAmB©gr go g§~§{YV So>Q>m/gyMZm em{_b Zht h¡&
Annual Report 2023-24 139140
Annual
Report
2023-24
{ddaU 4
2023-24 Ho$ {bE OrdZ ~r_m H§$n{Z`m| H$m g§~Õ Am¡a Ag§~Õ àr{_`_
(<H$amo‹S> _|)
H«$. ~r_m H§$nZr g§~Õ àr{_`_ Ag§~Õ àr{_`_ Hw$b àr{_`_
g§.
àW_ EH$b Z`m ZdrZrH$aU Hw$b àW_ EH$b Z`m ZdrZrH$aU Hw$b àW_ EH$b Z`m ZdrZrH$aU Hw$b
df© ì`dgm` àr{_`_ df© ì`dgm` àr{_`_
(àW_ df© (àW_ df© (àW_ df©
+ EH$b) + EH$b) + EH$b)
1. EH$mo bmB\$ B§í`moa|g {b{_Q>oS>* - - - - - 0.37 36.14 36.52 0.00 36.52 0.37 36.14 36.52 - 36.52
2. Am{XË` {~‹S>bm gZ bmB\$ B§í`moa|g H§$.{b.> 760.07 1,570.76 2,330.83 1,879.99 4,210.82 2,517.68 3,251.17 5,768.85 7,280.45 13,049.30 3,277.75 4,821.93 8,099.68 9,160.44 17,260.12
3. E{O`mg \o$S>ab bmB\$ B§í`moa|g H§$.{b.> 195.82 299.88 495.69 327.96 823.66 378.67 326.21 704.88 1,168.84 1,873.71 574.48 626.09 1,200.57 1,496.80 2,697.37
4. Adrdm bmB\$ B§í`moa|g H§$nZr B§{S>`m {b>. 169.65 9.29 178.94 247.17 426.11 147.44 31.48 178.91 741.84 920.75 317.09 40.76 357.85 989.01 1,346.86
5. ~OmO Am{b`m§O bmB\$ B§í`moa|g H§$.{b. 2,438.89 524.89 2,963.78 4,075.43 7,039.21 3,829.30 4,700.76 8,530.07 7,473.77 16,003.84 6,268.20 5,225.65 11,493.85 11,549.20 23,043.04
6 ~§YZ bmB\$ B§í`moa|g H§$nZr {b{_Q>oS>
(nyd© _| EJm°Z bmB\$ Ho$ Zm_ go OmZm OmVm Wm) 0.10 0.25 0.35 55.62 55.98 13.26 104.02 117.28 257.66 374.94 13.36 104.27 117.63 313.28 430.91
7. ^maVr EŠgm bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 98.28 16.11 114.39 188.85 303.24 524.77 141.57 666.34 1,938.72 2,605.06 623.05 157.68 780.73 2,127.57 2,908.30
8. Ho$Zam EMEg~rgr bmB\$ B§í`moa|g H§$.{b. 652.16 15.60 667.77 1,515.30 2,183.07 1,041.71 1,191.60 2,233.31 2,712.32 4,945.63 1,693.87 1,207.21 2,901.08 4,227.62 7,128.70
9. H«o${S>Q> EŠgog bmB\$ B§í`moa|g {b{_Q>oS>* 0.00 0.00 0.00 0.00 0.00 0.00 97.00 97.00 0.00 97.00 0.00 97.00 97.00 0.00 97.00
10. ES>bdmBg Q>mo{H$`mo bmB\$ B§í`moa|g H§$.{b. 92.24 42.16 134.40 235.67 370.07 418.77 25.21 443.98 1,118.04 1,562.02 511.00 67.38 578.38 1,353.71 1,932.09
11. â`yMa OZabr B§{S>`m bmB\$ B§í`moa|g H§$.{b. 61.59 3.46 65.05 64.24 129.29 533.41 10.72 544.13 1,137.11 1,681.25 595.00 14.18 609.18 1,201.35 1,810.54
12. Jmo {S>{OQ> bmB\$ B§í`moa|g {b{_Q>oS>* 0.00 0.00 0.00 0.00 0.00 6.04 420.32 426.36 0.00 426.36 6.04 420.32 426.36 0.00 426.36
13. EMS>rE\$gr bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 3,844.58 2,369.59 6,214.17 8,518.79 14,732.96 7,266.24 16,150.95 23,417.19 24,926.33 48,343.52 11,110.82 18,520.54 29,631.36 33,445.12 63,076.48
14. AmB©grAmB©grAmB© àyS|>{e`b bmB\$ B§í.H§$.{b. 3,528.64 2,081.29 5,609.93 13,980.91 19,590.84 3,502.90 9,566.00 13,068.90 10,575.91 23,644.81 7,031.54 11,647.28 18,678.82 24,556.82 43,235.64
15. B§{S>`m\$ñQ> bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 294.13 87.83 381.96 1,152.29 1,534.25 1,033.20 1,559.86 2,593.05 2,846.52 5,439.58 1,327.33 1,647.69 2,975.01 3,998.81 6,973.83
16. H$moQ>H$ _{hÝÐm bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 1,821.47 1,083.33 2,904.80 1,433.47 4,338.26 2,540.45 3,211.60 5,752.05 7,618.07 13,370.12 4,361.92 4,294.93 8,656.85 9,051.53 17,708.38
17. _¡Šg bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 2,469.06 69.14 2,538.20 4,646.47 7,184.67 4,420.34 4,064.56 8,484.91 13,859.40 22,344.30 6,889.40 4,133.71 11,023.10 18,505.87 29,528.97
18. nrEZ~r _oQ>bmB\$ B§{S>`m B§í`moa|g H§$.{b. 764.13 124.16 888.29 1,137.18 2,025.48 1,649.05 872.66 2,521.71 5,185.09 7,706.80 2,413.18 996.82 3,410.00 6,322.28 9,732.28
19. àm_o[aH$m bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 19.19 1.47 20.66 24.13 44.80 169.30 915.85 1,085.15 789.43 1,874.58 188.49 917.32 1,105.81 813.57 1,919.38
20. [abm`§g {Zßnm°Z bmB\$ B§í`moa|g H§$.{b. 262.88 9.83 272.71 770.45 1,043.16 918.31 39.37 957.68 3,536.06 4,493.74 1,181.19 49.19 1,230.38 4,306.51 5,536.90
21. ghmam B§{S>`m bmB\$ B§í`moa|g H§$nZr {b{_Q>oS>$ - - - - - - - - -
22. Eg~rAmB© bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 11,557.74 2,303.72 13,861.46 26,765.53 40,626.99 5,918.01 18,458.85 24,376.85 16,426.79 40,803.65 17,475.74 20,762.57 38,238.31 43,192.33 81,430.64
23. lram_ bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 47.96 19.31 67.27 30.27 97.54 1,166.14 637.16 1,803.30 1,606.70 3,410.00 1,214.10 656.47 1,870.57 1,636.97 3,507.54
24. ñQ>ma `y{Z`Z XmB©-BMr bmB\$ B§í`moa|g H§$.{b. 395.72 61.09 456.81 423.02 879.83 1,288.59 1,571.21 2,859.81 2,978.23 5,838.04 1,684.32 1,632.30 3,316.62 3,401.25 6,717.87
25. Q>mQ>m EAmB©E bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 3,291.03 187.95 3,478.98 3,811.10 7,290.08 4,420.58 998.81 5,419.39 12,982.35 18,401.75 7,711.61 1,186.76 8,898.37 16,793.45 25,691.82
{ZOr Hw$b 32,765.33 10,881.10 43,646.44 71,283.86 1,14,930.29 43,704.54 68,383.08 1,12,087.62 1,27,159.63 2,39,247.25 76,469.87 79,264.18 1,55,734.05 1,98,443.49 3,54,177.54
26. ^maVr` OrdZ ~r_m {ZJ_ 747.97 3,699.42 4,447.39 2,092.13 6,539.52 38,289.98 1,79,934.03 2,18,224.01 2,50,988.39 4,69,212.40 39,037.95 1,83,633.45 2,22,671.40 2,53,080.52 4,75,751.92
CÚmoJ Hw$b 33,513.30 14,580.53 48,093.83 73,375.99 1,21,469.81 81,994.52 2,48,317.10 3,30,311.63 3,78,148.02 7,08,459.65 1,15,507.82 2,62,897.63 3,78,405.45 4,51,524.01 8,29,929.46
*EH$mo bmB\$ B§í`moa|g {b{_Q>oS> Am¡a H«o${S>Q> EŠgog bmB\$ B§í`moa|g {b{_Q>oS> H$mo àm{YH$aU go 31.03.2023 H$mo n§OrH$aU à_mUnÌ àmá hþAm h¡ Am¡a Jmo {S>{OQ> bmB\$ B§í`moa|g {b{_Q>oS> H$mo àm{YH$aU go 09.06.2023 H$mo n§OrH$aU à_mUnÌ àmá hþAm h¡&
$ghmam B§{S>`m bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> (EgAmB©EbAmB©gr) H$m OrdZ ~r_m H$mamo~ma AmB©AmaS>rEAmB© Ûmam AnZo AmXoe {XZm§H$ 02.06.2023 Ho$ VhV Eg~rAmB© bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> (Eg~rAmB© bmB\$) H$mo hñVm§V[aV {H$`m OmVm h¡ Am¡a {dÎm df© 2023-24 Ho$
{bE Cnamoº$ So>Q>m/gyMZm _| EgAmB©EbAmB©gr go g§~§{YV So>Q>m/gyMZm em{_b Zht h¡&Annual
Report
2023-24
141
{ddaU 5
2023-24 Ho$ {bE OrdZ ~r_m H§$n{Z`m| H$m I§S>dma Hw$b àr{_`_
(< H$amo‹S> _|)
g§~Õ (d¡`{º$H$ Am¡a g_yh)
àH$ma J¡a-^mJ boVo hþE Bg_| ^mJ boZo dmbo XmoZm|
àW_ df© ZdrZrH$aU EH$b Hw$b àW_ df© ZdrZrH$aU EH$b Hw$b Hw$b `moJ à{VeV
dm{f©H$s - - - - - - - - - -
ñdmñÏ` (0.00) 132.23 - 132.22 - - - - 132.22 0.11
OrdZ 29,870.16 63,303.29 13,285.36 1,06,458.82 - 0.64 - 0.64 1,06,459.45 87.64
n|eZ 3,643.12 9,939.75 1,295.17 14,878.04 - 0.09 - 0.09 14,878.13 12.25
n[adVu - - - - - - - - - -
Hw$b 33,513.29 73,375.27 14,580.53 1,21,469.08 - 0.72 - 0.72 1,21,469.80 100.00
Ag§~Õ (d¡`{º$H$ Am¡a g_yh)
àH$ma J¡a-^mJ boVo hþE Bg_| ^mJ boZo dmbo XmoZm|
àW_ df© ZdrZrH$aU EH$b Hw$b àW_ df© ZdrZrH$aU EH$b Hw$b Hw$b `moJ à{VeV
dm{f©H$s 3,190.58 2,446.63 30,738.72 36,375.93 - 2.16 - 2.16 36,378.09 5.13
ñdmñÏ` 53.65 491.79 6.09 551.54 - - - - 551.54 0.08
OrdZ 33,563.31 83,806.95 1,05,673.10 2,23,043.35 40,561.56 2,87,305.48 5,563.76 3,33,430.80 5,56,474.15 78.55
n|eZ 4,302.51 2,947.77 1,04,148.72 1,11,399.00 145.07 993.24 28.83 1,167.13 1,12,566.13 15.89
n[adVu 45.83 51.62 2,138.99 2,236.44 132.02 102.39 18.91 253.31 2,489.75 0.35
Hw$b 41,155.87 89,744.76 2,42,705.62 3,73,606.26 40,838.64 2,88,403.27 5,611.49 3,34,853.41 7,08,459.66 100.00
g§~Õ Am¡a Ag§~Õ (d¡`{º$H$ Am¡a g_yh)
àH$ma J¡a-^mJ boVo hþE Bg_| ^mJ boZo dmbo XmoZm|
àW_ df© ZdrZrH$aU EH$b Hw$b àW_ df© ZdrZrH$aU EH$b Hw$b Hw$b `moJ à{VeV
dm{f©H$s 3,190.58 2,446.63 30,738.72 36,375.93 - 2.16 - 2.16 36,378.09 4.38
ñdmñÏ` 53.65 624.02 6.09 683.76 - - - - 683.76 0.08
OrdZ 63,433.47 1,47,110.24 1,18,958.45 3,29,502.17 40,561.56 2,87,306.11 5,563.76 3,33,431.44 6,62,933.60 79.88
n|eZ 7,945.63 12,887.52 1,05,443.89 1,26,277.04 145.07 993.33 28.83 1,167.22 1,27,444.26 15.36
n[adVu 45.83 51.62 2,138.99 2,236.44 132.02 102.39 18.91 253.31 2,489.75 0.30
Hw$b 74,669.16 1,63,120.03 2,57,286.15 4,95,075.34 40,838.64 2,88,403.99 5,611.49 3,34,854.13 8,29,929.46 100.00
ZmoQ>: ghmam B§{S>`m bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> (EgAmB©EbAmB©gr) H$m OrdZ ~r_m H$mamo~ma AmB©AmaS>rEAmB© Ûmam AnZo AmXoe {XZm§H$ 02.06.2023 Ho$ VhV Eg~rAmB© bmB\$ B§í`moa|g H§$nZr
{b{_Q>oS> (Eg~rAmB© bmB\$) H$mo hñVm§V[aV {H$`m Om ahm h¡ Am¡a {dÎm df© 2023-24 Ho$ {bE Cnamoº$ So>Q>m/gyMZm _| EgAmB©EbAmB©gr go g§~§{YV So>Q>m/gyMZm em{_b Zht h¡&{ddaU 6
OrdZ ~r_m H§$n{Z`m| H$s B{¹$Q>r eo`a ny§Or
(< H$amo‹S> _|)
H«$. ~r_m H§$nZr 31 _mM© df© Ho$ Xm¡amZ 31 _mM© ^maVr` {dXoer {dXoer
g§. 2023 VH$ Amgd 2024 VH$ à_moQ>a/ à_moQ>a/ {Zdoe %
{ZdoeH$ {ZdoeH$
1 EH$mo bmB\$ B§í`moa|g {b{_Q>oS>* - 140.05 140.05 140.05 - -
2 Am{XË` {~‹S>bm gZ bmB\$ B§í`moa|g H§$.{b.> 1,938.23 48.28 1,986.51 1,013.12 973.39 49.00
3 E{O`mg \o$S>ab bmB\$ B§í`moa|g H§$.{b. 800.00 - 800.00 208.00 592.00 74.00
4 Adrdm bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 2,189.90 - 2,189.90 569.37 1,620.53 74.00
5 ~OmO Am{b`m§O bmB\$ B§í`moa|g H§$.{b. 150.71 - 150.71 111.52 39.18 26.00
6 ~§YZ bmB\$ B§í`moa|g H§$nZr {b{_Q>oS>
(nyd© _| EJm°Z bmB\$ Ho$ Zm_ go OmZm OmVm Wm) 1,477.73 365.00 1,842.73 1,842.73 - -
7 ^maVr EŠgm bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 3,706.20 135.00 3,841.20 3,841.20 - -
8 Ho$Zam EMEg~rgr bmB\$ B§í`moa|g H§$.{b. 950.00 - 950.00 703.00 247.00 26.00
9 H«o${S>Q> EŠgog bmB\$ B§í`moa|g {b{_Q>oS>* - 168.00 168.00 43.68 124.32 74.00
10 ES>bdmBg Q>mo{H$`mo bmB\$ B§í`moa|g H§$.{b. 915.55 - 915.55 687.43 228.12 24.92
11 â`yMa OZabr bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 2,445.82 153.50 2,599.32 675.86 1,923.46 74.00
12 Jmo {S>{OQ> bmB\$ B§í`moa|g {b{_Q>oS>* - 121.19 121.19 79.08 42.11 34.75
13 EMS>rE\$gr bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 2,149.40 1.54 2,150.94 1,501.11 649.83 30.21
14 AmB©grAmB©grAmB© àyS|>{e`b bmB\$ B§í`moa|g H§$.{b. 1,438.57 2.05 1,440.62 899.34 541.27 37.57
15 B§{S>`m\$ñQ>© bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 754.37 - 754.37 558.23 196.14 26.00
16 H$moQ>H$ _qhÐm B§í`moa|g H§$nZr {b{_Q>oS> 510.29 - 510.29 510.29 - -
17 _¡Šg bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 1,918.81 - 1,918.81 1,918.81 - -
18 nrEZ~r _oQ>bmB\$ bmB\$ B§{S>`m B§í`moa|g H§$.{b. 2,012.88 - 2,012.88 1,028.27 984.61 48.92
19 àm_o[aH$m bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 374.06 - 374.06 190.77 183.29 49.00
20 [abm`§g {Zßnm°Z bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 1,196.32 - 1,196.32 610.12 586.20 49.00
21 ghmam B§{S>`m bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 232.00 - 232.00 232.00 - -
22 Eg~rAmB© bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 1,000.89 0.57 1,001.46 733.14 268.33 26.79
23 lram_ bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 177.85 1.32 179.17 137.91 41.26 23.03
24 ñQ>ma `y{Z`Z XmB©-BMr bmB\$ B§í`moa|g H§$.{b. 338.96 - 338.96 183.25 155.72 45.94
25 Q>mQ>m EAmB©E bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 1,953.50 980.00 2,933.50 1,496.09 1,437.42 49.00
{ZOr Hw$b 28,632.05 2,116.50 30,748.55 19,914.39 10,834.17 35.23
26 ^maVr` OrdZ ~r_m {ZJ_ 6,325.00 - 6,325.00 6,312.91 12.09 0.19
Hw$b 34,957.05 2,116.50 37,073.55 26,227.30 10,846.26 29.26
*EH$mo bmB\$ B§í`moa|g {b{_Q>oS>, H«o${S>Q> EŠgog bmB\$ B§í`moa|g {b{_Q>oS> H$mo àm{YH$aU go 31.03.2023 H$mo n§OrH$aU à_mUnÌ àmá
hþAm h¡ Am¡a Jmo {S>{OQ> bmB\$ B§í`moa|g {b{_Q>oS> H$mo àm{YH$aU go 09.06.2023 H$mo n§OrH$aU à_mUnÌ àmá hþAm h¡&
142 Annual Report 2023-24{ddaU 7
gmYmaU Ed§ ñdmñÏ` ~r_m H§$n{Z`m| H$m gH$b àË`j àr{_`_ (^maV Ho$ ^rVa Ed§ ~mha)
(< H$amo‹S> _|)
H«$.g§. ~r_m H§$nZr 2022-23 2023-24
1. EH$mo OZab B§í`moa|g {b{_Q>oS> 1,509.41 1,870.28
2. ~OmO Am{b`m§O OZab B§í`moa|g H§$nZr {b{_Q>oS> 15,336.64 20,472.68
3. Mmobm_§S>b_ E_Eg OZab B§í`moa|g H§$nZr {b{_Q>oS> 6,155.99 7,532.89
4. â`yMa OZabr B§{S>`m B§í`moa|g H§$nZr {b{_Q>oS> 4,546.24 4,910.90
5. Jmo {S>{OQ> OZab B§í`moa|g {b{_Q>oS>. 6,160.08 7,941.09
6. EMS>rE\$gr EJm} OZab B§í`moa|g H§$nZr {b{_Q>oS> 16,635.81 18,567.56
7. AmB©grAmB©grAmB© bmoå~mS©> OZab B§í`moa|g H§$nZr {b{_Q>oS> 21,025.09 24,776.11
8. B\$H$mo Q>mo{H$`mo OZab B§í`moa|g H§$nZr {b{_Q>oS> 9,870.95 9,835.08
9. H$moQ>H$ _qhÐm OZab B§í`moa|g H§$nZr {b{_Q>oS> 1,134.09 1,587.11
10. jo_m OZab B§í`moa|g {b{_Q>oS> - 568.50 -
11. {b~Q>u OZab B§í`moa|g {b{_Q>oS>. 1,957.33 2,155.03
12. _¡½_m EMS>rAmB© OZab B§í`moa|g H§$nZr {b{_Q>oS> 2,534.12 3,044.19
13. Zdr OZab B§í`moa|g {b{_Q>oS>. 70.59 70.48
14. ahoOm Š`y~rB© OZab B§í`moa|g H§$nZr {b{_Q>oS> 379.94 295.89
15. [abm`§g OZab B§í`moa|g H§$nZr {b{_Q>oS> 10,339.01 11,688.82
16. am°`b gw§Xa_ OZab B§í`moa|g H§$nZr {b{_Q>oS> 3,379.75 3,637.10
17. Eg~rAmB© OZab B§í`moa|g H§$nZr {b{_Q>oS> 10,828.40 12,553.57
18. lram_ OZab B§í`moa|g H§$nZr {b{_Q>oS> 2,265.78 3,036.05
19. Q>mQ>m EAmB©Or OZab B§í`moa|g H§$nZr {b{_Q>oS> 13,176.01 15,090.90
20. `y{Zdg©b gmoånmo OZab B§í`moa|g H§$nZr {b{_Q>oS> 4,103.09 4,622.19
21. µOyZmo OZab B§í`moa|g H§$nZr {b{_Q>oS> 533.51 833.80
{ZOr joÌ H$s ~r_m H$ån{Z`m± Hw$b 1,31,941.83 1,55,090.19
20.22% 17.54%
22. ZoeZb B§í`moa|g H§$nZr {b{_Q>oS> 15,205.85 15,180.29
23. Ý`y B§{S>`m Eí`moa|g H§$nZr {b{_Q>oS> 37,482.04 40,363.83
24. Amo[aE§Q>b B§í`moa|g H§$nZr {b{_Q>oS> 15,992.61 18,794.13
25. `yZmBQ>oS> B§{S>`m B§í`moa|g H§$nZr {b{_Q>oS> 17,644.31 19,852.96
gmd©O{ZH$ joÌ H$s ~r_m H$ån{Z`m± Hw$b 86,324.81 94,191.20
10.20% 9.11%
26. EJ«rH$ëMa B§í`moa|g H§$nZr Am°\$ B§{S>`m {b{_Q>oS> 14,619.79 9,940.58
27. ^maVr` {Z`m©V F$U Jma§Q>r {ZJ_ {b{_Q>oS>. 1,197.53 1,270.77
{d{eï> ~r_mH$Vm© Hw$b 15,817.32 11,211.34
5.12% -29.12%
28. Am{XË` {~abm ñdmñÏ` ~r_m H§$nZr {b{_Q>oS> 2,717.03 3,701.32
29. Ho$`a hoëW B§í`moa|g {b{_Q>oS>. 5,141.53 6,864.46
30. J¡boŠgr hoëW E§S> EbmBS> B§í`moa|g H§$nZr {b{_Q>oS> - -
31. _{Unmb{g¾m hoëW B§í`moa|g H§$nZr {b{_Q>oS> 1,359.79 1,691.49
32. Zmam`U hoëW B§í`moa|g {b{_Q>oS># - -
33. {Zdm ~ynm hoëW B§í`moa|g H§$nZr {b{_Q>oS> 4,073.03 5,607.57
34. [abm`§g hoëW B§í`moa|g {b{_Q>oS>$ - -
35. ñQ>ma hoëW E§S> EbmBS> B§í`moa|g H§$nZr {b{_Q>oS> 12,952.47 15,254.45
ñQ>¢S>AbmoZ ñdmñÏ` ~r_mH$Vm© Hw$b 26,243.85 33,119.30
25.77% 26.20%
Hw$b `moJ 2,60,327.82 2,93,612.04
16.22% 12.79%
{Q>ßnUr: à{VeV _| {XE JE Am§H$‹S>o {nN>bo df© H$s VwbZm _| d¥{Õ Xem©Vo h¢²&
~r_mH$Vm© Ûmam {nN>bo df© Ho$ Am§H$‹S>m| _| nwZd©JuH$aU/nwZJ©R>Z, `{X H$moB© hmo, na {dMma Zht {H$`m J`m h¡&
$[abm`§g OZab B§í`moa|g Ûmam [abm`§g hoëW B§í`moa|g nmoQ>©\$mo{b`mo H$m A{YJ«hU
# {dÎm df© 2024-25 _| n[aMmbZ ewê$ {H$`m OmEJm
Annual Report 2023-24 143144
Annual
Report
2023-24
{ddaU 8
gmYmaU Ed§ ñdmñÏ` ~r_m H§$n{Z`m| H$s I§S>dma gH$b àË`j àr{_`_ Am` (^maV Ho$ ^rVa)
(< H$amo‹S> _|)
H«$.g§. ~r_m H$§nZr A{¾ g_wÐr _moQ>a ñdmñÏ` + nrE+`mÌm AÝ` Hw$b
2022-23 2023-24 2022-23 2023-24 2022-23 2023-24 2022-23 2023-24 2022-23 2023-24 2022-23 2023-24
1. EH$mo OZab B§í`moa|g {b{_Q>oS>. (0.02) - - - 659.96 830.58 736.00 898.09 113.47 141.61 1,509.41 1,870.28
2. ~OmO Am{b`m§O OZab B§í`moa|g H§$.{b. 2,158.64 2,394.95 286.60 300.14 5,348.55 5,847.78 3,372.78 6,942.97 4,170.07 4,986.83 15,336.64 20,472.68
3. Mmobm_§S>b_ E_Eg OZab B§í`moa|g H§$.{b. 660.56 714.92 123.04 131.08 4,345.12 4,963.53 893.28 1,104.16 133.99 619.20 6,155.99 7,532.89
4. â`yMa OZabr B§{S>`m B§í`moa|g H§$nZr {b{_Q>oS> 481.82 551.36 109.39 114.28 1,701.06 1,740.64 879.61 1,628.20 1,374.36 876.42 4,546.24 4,910.90
5. Jmo {S>{OQ> OZab B§í`moa|g {b{_Q>oS>. 417.36 486.95 34.66 37.28 4,000.27 5,471.27 933.33 1,605.61 774.45 339.98 6,160.08 7,941.09
6. EMS>rE\$gr EJm} OZab B§í`moa|g H§$nZr {b{_Q>oS> 1,710.01 1,795.96 219.85 186.36 4,644.38 5,275.35 5,716.43 6,538.16 4,345.13 4,771.73 16,635.81 18,567.56
7. AmB©grAmB©grAmB© bmoå~mS©> OZab B§í`moa|g H§$.{b. 3,052.48 3,368.32 744.29 763.77 8,582.27 9,633.65 5,592.29 7,116.74 3,053.76 3,893.63 21,025.09 24,776.11
8. B\$H$mo Q>mo{H$`mo OZab B§í`moa|g H§$nZr {b{_Q>oS> 944.73 970.02 302.13 305.42 4,133.56 4,371.25 2,169.52 1,646.03 2,321.01 2,542.36 9,870.95 9,835.08
9. H$moQ>H$ _qhÐm OZab B§í`moa|g H§$nZr {b{_Q>oS> 70.42 78.98 17.59 9.06 515.89 748.48 483.37 689.70 46.83 60.89 1,134.09 1,587.11
10. jo_m OZab B§í`moa|g {b{_Q>oS>. - 0.00 - - - - - - 568.50 - 568.50
11. {b~Q>u OZab B§í`moa|g {b{_Q>oS>. 82.93 79.44 38.84 35.36 1,382.55 1,579.71 313.11 336.09 139.91 124.42 1,957.33 2,155.03
12. _¡½_m EMS>rAmB© OZab B§í`moa|g H§$.{b. 317.68 313.14 33.26 38.98 1,860.50 2,073.53 251.99 511.58 70.70 106.96 2,534.12 3,044.19
13. Zdr OZab B§í`moa|g {b{_Q>oS>. (0.69) (1.02) - 27.71 15.93 43.55 55.57 0.02 - 70.59 70.48
14. ahoOm Š`y~rB© OZab B§í`moa|g H§$nZr {b{_Q>oS> 22.29 11.35 0.01 (0.00) 273.66 189.58 14.56 27.93 69.43 67.02 379.94 295.89
15. [abm`§g OZab B§í`moa|g H§$nZr {b{_Q>oS> 1,004.32 1,112.16 128.47 137.57 4,036.22 4,360.96 1,560.54 2,053.68 3,609.45 4,024.45 10,339.01 11,688.82
16. am°`b gw§Xa_ OZab B§í`moa|g H§$nZr {b{_Q>oS> 294.91 301.11 51.66 54.32 2,470.94 2,571.83 475.98 609.98 86.27 99.85 3,379.75 3,637.10
17. Eg~rAmB© OZab B§í`moa|g H§$nZr {b{_Q>oS> 1,618.94 1,817.73 84.02 82.97 2,710.68 3,560.11 3,293.86 3,999.34 3,120.91 3,093.43 10,828.40 12,553.57
18. lram_ OZab B§í`moa|g H§$nZr {b{_Q>oS> 79.60 89.31 2.01 2.12 2,085.21 2,777.93 60.78 119.80 38.17 46.89 2,265.78 3,036.05
19. Q>mQ>m EAmB©Or OZab B§í`moa|g H§$.{b. 1,880.38 2,074.97 679.75 676.33 6,692.85 7,437.49 2,770.21 3,133.81 1,152.82 1,768.30 13,176.01 15,090.90
20. `y{Zdg©b gmoånmo OZab B§í`moa|g H§$.{b. 222.87 247.73 46.49 58.11 1,819.12 2,116.47 488.88 595.27 1,525.73 1,604.61 4,103.09 4,622.19
21. µOyZmo OZab B§í`moa|g H§$nZr {b{_Q>oS> 27.20 35.75 1.12 0.80 299.63 396.96 197.37 394.76 8.18 5.52 533.51 833.80
{ZOr joÌ ~r_mH$Vm© Hw$b 15,046.44 16,443.11 2,903.17 2,933.96 57,590.14 65,963.05 30,247.44 40,007.47 26,154.66 29,742.60 1,31,941.83 1,55,090.19
22. ZoeZb B§í`moa|g H§$nZr {b{_Q>oS> 1,180.00 1,189.83 275.94 275.35 5,087.80 5,034.95 7,403.16 7,448.94 1,201.10 1,164.48 15,148.00 15,113.56
23. Ý`y B§{S>`m Eí`moa|g H§$nZr {b{_Q>oS> 4,238.05 4,393.58 977.83 983.98 8,974.60 9,518.07 17,338.57 18,874.60 2,955.00 3,226.35 34,484.05 36,996.58Annual
Report
2023-24
145
Omar... {ddaU 8
gmYmaU Ed§ ñdmñÏ` ~r_m H§$n{Z`m| H$s I§S>dma gH$b àË`j àr{_`_ Am` (^maV Ho$ ^rVa)
(< H$amo‹S> _|)
H«$.g§. ~r_m H$§nZr A{¾ g_Ðw r _moQ>a ñdmñÏ` + nrE+ `mÌm AÝ` Hw$b
2022-23 2023-24 2022-23 2023-24 2022-23 2023-24 2022-23 2023-24 2022-23 2023-24 2022-23 2023-24
24. Amo[aE§Q>b B§í`moa|g H§$nZr {b{_Q>oS> 1,589.10 1,557.18 465.38 470.96 3,642.23 4,217.20 8,747.80 8,995.42 1,170.40 3,048.28 15,614.91 18,289.04
25. `yZmBQ>oS> B§{S>`m B§í`moa|g H§$nZr {b{_Q>oS> 1,882.54 2,082.82 436.34 427.23 5,985.27 7,047.27 7,682.68 8,248.22 1,657.47 2,047.42 17,644.31 19,852.96
gmdO© {ZH$ jÌo H$s ~r_m H$§nZr H$wb 8,889.69 9,223.41 2,155.49 2,157.53 23,689.90 25,817.49 41,172.21 43,567.17 6,983.97 9,486.54 82,891.26 90,252.13
26. EJ«rH$ëMa B§í`moa|g H§$nZr Am°\$ B§{S>`m {b{_Q>oS> bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht 14,619.79 9,940.58 14,619.79 9,940.58
27. ^maVr` {Z`m©V F$U Jma§Q>r {ZJ_ {b{_Q>oS>. bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht 1,197.53 1,270.77 1,197.53 1,270.77
{d{eï> ~r_mH$Vm© Hw$b bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht 15,817.32 11,211.34 15,817.32 11,211.34
28. Am{XË` {~‹abm ñdmñÏ` ~r_m H§$.{b. bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht 2,717.03 3,701.32 bmJy Zht bmJy Zht 2,717.03 3,701.32
29. Ho$`a hoëW B§í`moa|g {b{_Q>oS>. bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht 5,141.53 6,864.46 bmJy Zht bmJy Zht 5,141.53 6,864.46
30. J¡boŠgr hoëW E§S> EbmBS> B§í`moa|g H§$.{b.
#
31. _{Unmb{g¾m hoëW B§í`moa|g H§$nZr {b{_Q>oS> bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht 1,359.79 1,691.49 bmJy Zht bmJy Zht 1,359.79 1,691.49
32. Zmam`U hoëW B§í`moa|g {b{_Q>oS>#
33. {Zdm (nhbo _¡Šg) ~wnm hoëW B§í`moa|g H§$.{b.> bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht 4,073.03 5,607.57 bmJy Zht bmJy Zht 4,073.03 5,607.57
34. [abm`§g hoëW B§í`moa|g {b{_Q>oS> bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht
@
35. ñQ>ma hoëW E§S> EbmBS> B§í`moa|g H§$nZr {b{_Q>oS> bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht 12,952.47 15,254.45 bmJy Zht bmJy Zht 12,952.47 15,254.45
ñQ>¢S>AbmoZ ñdmñÏ` ~r_mH$Vm© Hw$b bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht 26,243.85 33,119.30 bmJy Zht bmJy Zht 26,243.85 33,119.30
Hw$b `moJ 23,936.12 25,666.52 5,058.66 5,091.49 81,280.04 91,780.54 97,663.50 1,16,693.95 48,955.94 50,440.48 2,56,894.27 2,89,672.97
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#{dÎm df© 2024-25 _| n[aMmbZ ewê$ {H$`m OmEJm{ddaU 9
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H«$.g§. ~r_m H§$nZr 31 _mM© df© Ho$ 31 _mM© àdV©H$ J¡a- E\$S>rAmB©
2023 VH$ Xm¡amZ 2024 àdV©H$ %
Amgd VH$ ({dXoer
g{hV)
^maVr` {dXoe Hw$b Hw$b
1. EH$mo OZab B§í`moa|g {b{_Q>oS> 2146.00 300.00 2446.00 2446.00 0.00 2446.00 0.00 0.00%
2. ~OmO Am{b`m§O OZab B§í`moa|g H§$nZr {b{_Q>oS> 110.23 0.00 110.23 81.57 28.66 110.23 0.00 26.00%
3. Mmobm_§S>b_ E_Eg OZab B§í`moa|g H§$nZr {b{_Q>oS> 298.81 0.00 298.81 179.28 119.52 298.81 0.00 40.00%
4. â`yMa OZabr B§{S>`m B§í`moa|g H§$nZr {b{_Q>oS> 904.80 301.60 1206.40 597.10 609.31 1206.40 0.00 50.51%
5. Jmo {S>{OQ> OZab B§í`moa|g {b{_Q>oS> 874.02 1.15 875.16 841.68 33.49 875.16 0.00 3.83%
6. EMS>rE\$gr EJm} OZab B§í`moa|g H§$nZr {b{_Q>oS> 712.78 2.19 714.97 360.91 350.94 711.85 3.11 49.08%
7. AmB©grAmB©grAmB© bmoå~mS©> OZab B§í`moa|g H§$nZr {b{_Q>oS> 491.13 1.56 492.69 252.60 0.00 252.60 240.09 0.00%
8. B\$H$mo Q>mo{H$`mo OZab B§í`moa|g H§$nZr {b{_Q>oS> 287.82 0.00 287.82 146.79 141.03 287.82 0.00 49.00%
9. H$moQ>H$ _qhÐm OZab B§í`moa|g H§$nZr {b{_Q>oS> 680.00 195.00 875.00 875.00 0.00 875.00 0.00 0.00%
10. jo_m OZab B§í`moa|g {b{_Q>oS> 111.29 0.00 111.29 111.29 0.00 111.29 0.00 0.00%
11. {b~Q>u OZab B§í`moa|g {b{_Q>oS> 1086.23 0.00 1086.22 557.41 528.81 1086.22 0.00 48.68%
12. _¡½_m EMS>rAmB© OZab B§í`moa|g H§$nZr {b{_Q>oS> 246.67 22.63 269.30 259.21 0.00 259.21 10.09 0.00%
13. Zdr OZab B§í`moa|g {b{_Q>oS> 495.79 0.00 495.79 495.79 0.00 495.79 0.00 0.00%
14. ahoOm Š`y~rB© OZab B§í`moa|g H§$nZr {b{_Q>oS> 371.12 27.23 398.35 203.16 195.19 398.35 0.00 49.00%
15. [abm`§g OZab B§í`moa|g H§$nZr {b{_Q>oS> 252.07 12.77 264.83 261.31 0.00 261.31 3.53 0.00%
16. am°`b gw§Xa_ OZab B§í`moa|g H§$nZr {b{_Q>oS> 449.00 0.00 449.00 269.40 179.60 449.00 0.00 40.00%
17. Eg~rAmB© OZab B§í`moa|g H§$nZr {b{_Q>oS> 215.65 7.74 223.38 197.71 25.67 223.38 0.00 11.49%
18. lram_ OZab B§í`moa|g H§$nZr {b{_Q>oS> 259.16 0.00 259.16 172.71 59.40 232.11 27.05 22.92%
19. Q>mQ>m EAmB©Or OZab B§í`moa|g H§$nZr {b{_Q>oS> 994.46 0.00 994.46 735.90 258.56 994.46 0.00 26.00%
20. `y{Zdg©b gmoånmo OZab B§í`moa|g H§$nZr {b{_Q>oS> 368.18 0.00 368.18 240.74 127.44 368.18 0.00 34.61%
21. µOyZmo OZab B§í`moa|g H§$nZr {b{_Q>oS> 678.00 193.00 871.00 871.00 0.00 0.00
{ZOr joÌ Hw$b (H$) 12,033.18938 1,064.86255 13,098.0519 10156.54 2657.63 12814.17 283.88 20.29%
22. ZoeZb B§í`moa|g H§$nZr {b{_Q>oS> 9375.00 - 9375.00 9375.00 9375.00 0.00%
23. Ý`y B§{S>`m Eí`moa|g H§$nZr {b{_Q>oS> 824.00 - 824.00 704.00 704.00 120.00 0.00%
24. Amo[aE§Q>b B§í`moa|g H§$nZr {b{_Q>oS> 4620.00 - 4620.00 4620.00 4620.00 0.00%
25. `yZmBQ>oS> B§{S>`m B§í`moa|g H§$nZr {b{_Q>oS> 3905.00 - 3905.00 3905.00 3905.00 0.00%
gmd©O{ZH$ joÌ Hw$b (I) 18724.0000 0.0000 18724.0000 18604.00 0.00 18604.00 120.00 0.00%
Hw$b ({ZOr+gmd©O{ZH$) (H$+I) 30,757.1894 1,064.8626 31,822.0519 28760.54 2657.63 31418.17 403.88 8.35%
146 Annual Report 2023-24Omar... {ddaU 9
gmYmaU, ñdmñÏ` Am¡a nwZ~u_m H§$n{Z`m| H$s B{¹$Q>r eo`a ny§Or
(< H$amo‹S> _|)
H«$.g§. ~r_m H§$nZr 31 _mM© df© Ho$ 31 _mM© àdV©H$ J¡a- E\$S>rAmB©
2023 VH$ Xm¡amZ 2024 àdV©H$ %
Amgd VH$ ({dXoer
g{hV)
^maVr` {dXoe Hw$b Hw$b
26. EJ«rH$ëMa B§í`moa|g H§$nZr Am°\$ B§{S>`m {b{_Q>oS> 200.00 - 200.00 200.00 0.00 200.00 0.00 0.00%
27. ^maVr` {Z`m©V F$U Jma§Q>r {ZJ_ {b{_Q>oS>. 4,338.00 - 4338.00 4338.00 0.00 4338.00 0.00 0.00%
{d{eï> ~r_mH$Vm© Hw$b (J) 4,538.0000 - 4,538.0000 4538.00 0.00 4538.00 - 0.00%
28. Am{XË` {~‹abm ñdmñÏ` ~r_m H§$nZr {b{_Q>oS> 507.58 0.20 507.78 233.01 223.87 456.87 50.91 44.09%
29. Ho$`a hoëW B§í`moa|g {b{_Q>oS>. 942.23 29.81 972.04 817.73 817.73 154.31 0.00%
30. J¡boŠgr hoëW E§S> EbmBS> B§í`moa|g H§$nZr {b{_Q>oS> 300.25 300.25 300.25
31. _{Unmb{g¾m hoëW B§í`moa|g H§$nZr {b{_Q>oS> 1,344.04 182.41 1526.44 777.87 747.37 1525.24 1.20 48.96%
32. Zmam`U hoëW B§í`moa|g {b{_Q>oS> 100.05 100.05 100.05
33. {Zdm ~ynm hoëW B§í`moa|g H§$nZr {b{_Q>oS>. 1,510.68 188.86 1699.53 478.67 1069.99 1548.66 150.88 62.96%
34. [abm`§g hoëW B§í`moa|g {b{_Q>oS> 193.90 - 193.90 193.90 193.90 -
35. ñQ>ma hoëW E§S> EbmBS> B§í`moa|g H§$nZr {b{_Q>oS> 581.68 3.61 585.28 319.34 319.34 265.95 0.00%
ñQ>¢S>AbmoZ ñdmñÏ` ~r_mH$Vm© Hw$b (K) 5,080.1035 805.1818 5,885.2853 3220.82 2041.23 5262.04 623.25 34.68%
gm_mÝ` Ed§ ñdmñÏ` ~r_mH$Vm© Hw$b (H$+I+J+K) 40,375.2929 1,870.0444 42,245.3372 36,519.36 4,698.85 41,218.22 1027.12 11.12%
nwZ~u_m H§$n{Z`m|
36. gmd©O{ZH$ joÌ nwZ~u_mH$Vm© - OZab B§í`moa|g H$m°nm}aoeZ 877.20 - 877.20 877.20 877.20 0.00%
nwZ~u_mH$Vm© Hw$b (L) 877.20 - 877.20 877.20 0.00 877.20 0.00 0.00%
Hw$b `moJ M = (H$+I+J+K+L) 41,252.49 1,870.04 43,122.54 37396.56 4698.85 42095.42 1027.12 10.90%
{Q>ßnUr:
~r_mH$Vm© Ûmam {nN>bo df© Ho$ Am§H$‹S>m| _| nwZd©JuH$aU/nwZJ©R>Z, `{X H$moB© hmo, na {dMma Zht {H$`m J`m h¡&
df© Ho$ Xm¡amZ {Zdoe _| eo`am| H$m {ZañVrH$aU, H$Q>m¡Vr Am¡a Z`m {ZJ©_ em{_b h¡
@[abm`§g OZab B§í`moa|g Ûmam [abm`§g hoëW B§í`moa|g nmoQ>©\$mo{b`mo H$m A{YJ«hU
#{dÎm df© 2024-25 _| n[aMmbZ ewê$ {H$`m.
Annual Report 2023-24 147{ddaU 10
gmYmaU, ñdmñÏ` Am¡a nwZ~u_m H§$n{Z`m| H$s B{¹$Q>r eo`a ny§Or
(< H$amo‹S> _|)
H«$.g§. ~r_m H§$nZr àmá Xmdm AZwnmV (%)
A{¾ g_wÐr _moQ>a ñdmñÏ` AÝ` Hw$b
2022-23 2023-24 2022-23 2023-24 2022-23 2023-24 2022-23 2023-24 2022-23 2023-24 2022-23 2023-24
1. EH$mo OZab B§í`moa|g {b{_Q>oS> 94.50% 0.00% - 0.00% 86.94% 85.95% 83.88% 56.91% 70.37% 89.50% 84.28% 69.57%
2. ~OmO Am{b`m§O OZab B§í`moa|g H§$nZr {b{_Q>oS> 35.23% 47.36% 64.95% 60.42% 74.48% 71.84% 74.27% 84.96% 74.53% 61.42% 72.92% 73.80%
3. Mmobm_§S>b_ E_Eg OZab B§í`moa|g H§$nZr {b{_Q>oS> 39.49% 78.47% 62.85% 76.32% 75.33% 75.05% 67.88% 66.67% 18.17% 68.06% 71.24% 73.66%
4. â`yMa OZabr B§{S>`m B§í`moa|g H§$nZr {b{_Q>oS> 36.33% 79.55% 86.58% 54.66% 64.72% 68.10% 79.18% 84.62% 62.31% 57.35% 65.91% 71.85%
5. Jmo {S>{OQ> OZab B§í`moa|g {b{_Q>oS>. 38.20% 85.70% 91.11% 80.21% 68.76% 62.31% 71.87% 93.87% 56.41% 80.83% 67.23% 70.32%
6. EMS>rE\$gr EJm} OZab B§í`moa|g H§$nZr {b{_Q>oS> 58.44% 87.37% 136.43% 90.15% 78.09% 100.61% 79.04% 80.98% 84.28% 77.78% 79.94% 87.70%
7. AmB©grAmB©grAmB© bmoå~mS©> OZab B§í`moa|g H§$nZr {b{_Q>oS> 49.32% 62.23% 72.42% 73.38% 72.40% 65.21% 77.33% 78.85% 65.64% 75.42% 72.36% 70.79%
8. B\$H$mo Q>mo{H$`mo OZab B§í`moa|g H§$nZr {b{_Q>oS> 53.48% 103.75% 83.46% 75.67% 83.34% 81.04% 111.18% 107.46% 68.28% 73.61% 88.57% 86.33%
9. H$moQ>H$ _qhÐm OZab B§í`moa|g H§$nZr {b{_Q>oS> 50.69% 31.30% 138.48% 310.97% 80.53% 73.25% 56.01% 59.06% 35.56% 26.96% 69.50% 65.56%
10. jo_m OZab B§í`moa|g {b{_Q>oS> - - - - - - - - - - - 69.54%
11. {b~Q>u OZab B§í`moa|g {b{_Q>oS> 26.98% 31.83% 105.82% 92.97% 73.73% 75.69% 74.17% 79.92% 42.93% 53.73% 72.30% 75.29%
12. _¡½_m EMS>rAmB© OZab B§í`moa|g H§$nZr {b{_Q>oS> 26.55% 41.47% 187.70% 190.33% 73.36% 78.86% 72.10% 87.46% 422.87% 72.22% 72.62% 79.88%
13. Zdr OZab B§í`moa|g {b{_Q>oS> 6.08% -2.57% - - 136.77% 61.84% 59.28% 59.40% 81.79% -34.09% 76.11% 52.40%
14. ahoOm Š`y~rB© OZab B§í`moa|g H§$nZr {b{_Q>oS> 119.94% -291.26% -358.18%-3576.10% 83.02% 78.09% 138.67% 106.27% 40.98% 47.08% 78.48% 77.91%
15. [abm`§g OZab B§í`moa|g H§$nZr {b{_Q>oS> 28.98% 50.46% 94.27% 98.94% 79.62% 78.19% 86.31% 89.42% 77.43% 86.30% 77.20% 81.06%
16. am°`b gw§Xa_ OZab B§í`moa|g H§$nZr {b{_Q>oS> 34.19% 81.85% 62.93% 71.20% 79.29% 74.91% 83.36% 92.06% -94.73% 33.87% 76.99% 77.62%
17. Eg~rAmB© OZab B§í`moa|g H§$nZr {b{_Q>oS> 51.70% 88.29% 134.13% 161.67% 89.97% 84.53% 73.92% 87.86% 74.99% 78.40% 78.73% 85.90%
18. lram_ OZab B§í`moa|g H§$nZr {b{_Q>oS> 29.03% 68.26% -94.29% 23.01% 69.86% 63.57% 51.53% 47.47% 31.08% 45.33% 68.33% 63.00%
19. Q>mQ>m EAmB©Or OZab B§í`moa|g H§$nZr {b{_Q>oS> 46.77% 64.85% 89.81% 92.50% 73.81% 66.98% 78.33% 77.94% 47.54% 71.46% 73.60% 71.43%
20. `y{Zdg©b gmoånmo OZab B§í`moa|g H§$nZr {b{_Q>oS> 55.33% 92.02% 77.54% 131.39% 83.46% 77.30% 82.84% 105.76% 54.08% 71.93% 78.18% 81.74%
21. µOyZmo OZab B§í`moa|g H§$nZr {b{_Q>oS>* 2.95% 84.17% 482.79% 1247.72% 79.83% 75.63% 89.59% 88.45% 104.18% 77.73% 82.21% 82.64%
{ZOr joÌ H$s ~r_m H$ån{Z`m| H$m Am¡gV 44.11% 69.67% 87.90% 83.50% 75.60% 73.30% 80.09% 83.49% 69.58% 74.98% 75.13% 76.49%
22. ZoeZb B§í`moa|g H§$nZr {b{_Q>oS> 87.54% 82.61% 23.42% 29.14% 108.81% 111.21% 102.35% 90.83% 117.20% 75.24% 100.85% 95.90%
23. Ý`y B§{S>`m Eí`moa|g H§$nZr {b{_Q>oS> 62.27% 80.08% 65.24% 48.14% 97.52% 100.64% 103.33% 105.87% 68.88% 56.84% 95.59% 97.36%
24. Amo[aE§Q>b B§í`moa|g H§$nZr {b{_Q>oS> 61.73% 105.69% 61.20% 87.48% 106.66% 102.09% 130.09% 101.96% 51.00% 82.44% 112.14% 98.89%
25. `yZmBQ>oS> B§{S>`m B§í`moa|g H§$nZr {b{_Q>oS> 58.47% 77.99% 59.16% 48.23% 103.43% 86.95% 89.57% 109.23% 90.63% 90.48% 92.85% 96.50%
gmd©O{ZH$ joÌ H$s ~r_m H$ån{Z`m| H$m Am¡gV 66.96% 83.46% 56.89% 54.01% 102.55% 99.57% 105.77% 103.16% 78.15% 75.26% 99.02% 97.23%
26. EJ«rH$ëMa B§í`moa|g H§$nZr Am°\$ B§{S>`m {b{_Q>oS> bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht 94.35% 95.59% 94.35% 95.59%
27. ^maVr` {Z`m©V F$U Jma§Q>r {ZJ_ {b{_Q>oS>. bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht -74.70% -90.25% -74.70% -90.25%
{d{eï> ~r_mH$Vm©Am| H$m Am¡gV bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht 73.71% 66.58% 73.71% 66.58%
28. Am{XË` {~‹S>bm ñdmñÏ` ~r_m H§$nZr {b{_Q>oS> bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht 64.68% 68.31% bmJy Zht bmJy Zht 64.68% 68.31%
29. Ho$`a hoëW B§í`moa|g {b{_Q>oS>. bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht 53.82% 57.69% bmJy Zht bmJy Zht 53.82% 57.69%
30. J¡boŠgr hoëW E§S> EbmBS> B§í`moa|g H§$nZr {b{_Q>oS> bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht
31. _{Unmb{g¾m hoëW B§í`moa|g H§$nZr {b{_Q>oS> bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht 64.66% 63.78% bmJy Zht bmJy Zht 64.66% 63.78%
32. Zmam`U hoëW B§í`moa|g {b{_Q>oS> bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht
33. {Zdm ~ynm hoëW B§í`moa|g H§$nZr {b{_Q>oS> bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht 54.05% 59.02% bmJy Zht bmJy Zht 54.05% 59.02%
34. [abm`§g hoëW B§í`moa|g {b{_Q>oS>. bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht
35. ñQ>ma hoëW E§S> EbmBS> B§í`moa|g H§$nZr {b{_Q>oS> bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht 65.00% 66.47% bmJy Zht bmJy Zht 65.00% 66.47%
ñQ>¢S>AbmoZ ñdmñÏ` ~r_mH$Vm©Am| H$m Am¡gV bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht 61.44% 63.63% bmJy Zht bmJy Zht 61.44% 63.63%
Hw$b `moJ 57.99% 78.33% 75.13% 72.39% 84.48% 81.98% 87.27% 86.35% 73.10% 72.78% 82.95% 82.52%
{Q>ßnUr:
ñdmñÏ` _| ì`{º$JV XþK©Q>Zm em{_b h¡
bmJy Zht - `h Xem©Vm h¡ {H$ ~r_mH$Vm© H$m ì`dgm` g§~§{YV {dÎmr` df© Ho$ Xm¡amZ `m g§~§{YV I§S> _| n[aMmbZ _| Zht Wm&
~r_mH$Vm© Ûmam {nN>bo df© Ho$ Am§H$‹S>m| _| nwZd©JuH$aU/nwZJ©R>Z, `{X H$moB© hmo, na {dMma Zht {H$`m J`m h¡&
{dÎm df© 2024-25 _| ì`dgm` g§MmbZ ewê$ {H$`m
148 Annual Report 2023-24{ddaU 11
OrdZ ~r_m H§$n{Z`m| H$s emoYZ j_Vm H$s pñW{V
H«$.g§. ~r_m H§$nZr OyZ 2023 {gV§~a 2023 {Xg§~a 2023 _mM© 2024
gmd©O{ZH$ joÌ
1 ^maVr` OrdZ ~r_m {ZJ_ 1.89 1.90 1.93 1.98
{ZOr joÌ
2 EH$mo bmB\$ B§í`moa|g {b{_Q>oS>. 2.76 2.74 2.67 2.36
3 Am{XË` {~‹S>bm gZbmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 1.80 1.88 1.91 1.78
4 ~§YZ bmB\$ B§í`moa|g H§$nZr {b{_Q>oS>
(nyd© _| EJm°Z bmB\$ Ho$ Zm_ go OmZm OmVm Wm) 2.67 2.54 2.47 2.48
5 E{O`mg \o$S>ab bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 3.22 3.22 3.13 2.97
6 Adrdm bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 1.85 1.89 1.88 1.83
7 ~OmO Am{b`m§O bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 4.75 4.66 4.46 4.32
8 ^maVr EŠgm bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 1.70 1.66 1.63 1.62
9 Ho$Zam EMEg~rgr bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 2.44 2.29 2.20 2.13
10 H«o${S>Q> EŠgog bmB\$ B§í`moa|g {b{_Q>oS>. 3.28 3.21 3.38 3.35
11 ES>bdmBg Q>mo{H$`mo bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 2.16 1.95 1.87 1.79
12 â`yMa OZabr B§{S>`m bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 2.40 2.22 2.04 1.83
13 Jmo {S>{OQ> bmB\$ B§í`moa|g {b{_Q>oS>. 1.82 1.56 2.45 2.07
14 EMS>rE\$gr bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 2.00 1.94 1.90 1.87
15 AmB©grAmB©grAmB© àyS|>{e`b bmB\$ B§í`moa|g H§$.{b. 2.03 1.99 1.96 1.92
16 B§{S>`m\$ñQ>© bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 2.25 2.15 2.12 2.01
17 H$moQ>H$ _{hÝÐm bmB\$ B§í`moa|g {b{_Q>oS>. 2.68 2.70 2.66 2.56
18 _¡ŠgbmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 1.88 1.84 1.79 1.72
19 nrEZ~r _oQ>bmB\$ B§{S>`m B§í`moa|g H§$nZr {b{_Q>oS> 1.81 1.74 1.70 1.71
20 àm_o[aH$m bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 3.49 3.04 2.82 2.62
21 [abm`§g {Zßnm°Z bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 2.23 2.22 2.19 2.27
22 ghmam B§{S>`m bmB\$ B§í`moa|g H§$nZr {b{_Q>oS>*** - - - -
23 Eg~rAmB© bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 2.15 2.12 2.09 1.96
24 lram_ bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 1.98 1.92 1.95 2.06
25 ñQ>ma `y{Z`Z XmB©-BMr bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 2.18 2.03 2.02 2.03
26 Q>mQ>m EAmB©E bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 1.78 2.05 1.95 1.75
*** ghmam B§{S>`m bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> H$m OrdZ ~r_m H$mamo~ma AmB©AmaS>rEAmB© AmXoe g§. AmB©AmaS>rEAmB©/E\$E§S>AmB©/AmoAmaS>r/{d{dY/
119/6/2023 {XZm§H$ 2 OyZ, 2023 Ho$ VhV Eg~rAmB© bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> H$mo hñVm§V[aV H$a {X`m J`m h¡&
Annual Report 2023-24 149{ddaU 12
gmYmaU, ñdmñÏ` Am¡a nwZ~u_m H§$n{Z`m| H$m emoYZ j‘Vm H$s pñWVr
H«$. ~r_m H§$nZr OyZ {gV§~a {Xg§~a _mM©
g§. 2023 2023 2023 2024
{ZOr joÌ ~r_mH$Vm©
1 EH$mo OZab B§í`moa|g {b{_Q>oS>. 2.24 2.77 2.18 1.89
2 ~OmO Am{b`m§O OZab B§í`moa|g H§$nZr {b{_Q>oS> 3.88 3.52 3.55 3.49
3 Mmobm_§S>b_ E_Eg OZab B§í`moa|g H§$nZr {b{_Q>oS> 1.96 1.89 1.79 1.79
4 â`yMa OZabr B§{S>`m B§í`moa|g H§$nZr {b{_Q>oS> 2.27 2.25 2.28 2.26
5 Jmo {S>{OQ> OZab B§í`moa|g {b{_Q>oS>. 1.69 1.62 1.60 1.61
6 EMS>rE\$gr EJm} OZab B§í`moa|g H§$nZr {b{_Q>oS> 1.85 1.91 1.87 1.68
7 AmB©grAmB©grAmB© bmoå~mS©> OZab B§í`moa|g H§$nZr {b{_Q>oS> 2.53 2.59 2.57 2.62
8 B\$H$mo Q>mo{H$`mo OZab B§í`moa|g H§$nZr {b{_Q>oS> 1.68 1.77 1.68 1.72
9 H$moQ>H$ _qhÐm OZab B§í`moa|g H§$nZr {b{_Q>oS> 1.98 1.85 1.62 1.85
10 jo_m OZab B§í`moa|g {b{_Q>oS>. - 1.71 1.73 1.80
11 {b~Q>u OZab B§í`moa|g {b{_Q>oS>. 1.97 1.79 1.73 1.76
12 _¡½_m EMS>rAmB© OZab B§í`moa|g H§$nZr {b{_Q>oS> 2.32 2.02 2.10 2.05
13 Zdr OZab B§í`moa|g {b{_Q>oS>. 2.88 3.60 3.81 3.93
14 ahoOm Š`y~rB© OZab B§í`moa|g H§$nZr {b{_Q>oS> 2.01 2.33 2.22 2.01
15 [abm`§g OZab B§í`moa|g H§$nZr {b{_Q>oS> 1.57 1.68 1.59 1.62
16 am°`b gw§Xa_ OZab B§í`moa|g H§$nZr {b{_Q>oS> 2.62 2.62 2.54 2.42
17 Eg~rAmB© OZab B§í`moa|g H§$nZr {b{_Q>oS> 2.03 1.98 1.97 2.25
18 lram_ OZab B§í`moa|g H§$nZr {b{_Q>oS> 4.83 4.66 4.30 4.02
19 Q>mQ>m EAmB©Or OZab B§í`moa|g H§$nZr {b{_Q>oS> 1.96 2.16 2.13 2.09
20 `y{Zdg©b gmoånmo OZab B§í`moa|g H§$nZr {b{_Q>oS> 1.72 1.73 1.73 1.80
21 µOyZmo OZab B§í`moa|g H§$nZr {b{_Q>oS> 1.67 1.92 1.76 1.72
gmd©O{ZH$ joÌ H$s ~r_m H§$n{Z`m±
22 ZoeZb B§í`moa|g H§$nZr {b{_Q>oS> -0.43 -0.35 -0.37 -0.45
23 Ý`y B§{S>`m Eí`moa|g H§$nZr {b{_Q>oS> 1.85 1.7 1.72 1.81
24 Amo[aE§Q>b B§í`moa|g H§$nZr {b{_Q>oS> -1.03 -0.92 -0.88 -1.06
25 `yZmBQ>oS> B§{S>`m B§í`moa|g H§$nZr {b{_Q>oS> -0.42 -0.38 -0.48 -0.59
{d{eï> ~r_mH$Vm©
26 EJ«rH$ëMa B§í`moa|g H§$nZr Am°\$ B§{S>`m {b{_Q>oS> 2.64 2.67 3.01 3.34
27 ^maVr` {Z`m©V F$U Jma§Q>r {ZJ_ {b{_Q>oS>. 48.88 47.50 47.64 47.87
ñQ>¢S>-AbmoZ ñdmñÏ` ~r_mH$Vm©
28 Am{XË` {~‹S>bm ñdmñÏ` ~r_m H§$nZr {b{_Q>oS> 2.39 2.13 1.73 1.67
29 Ho$`a hoëW B§í`moa|g {b{_Q>oS>. 1.80 1.73 1.73 1.74
30 _{Unmb{g¾m hoëW B§í`moa|g H§$nZr {b{_Q>oS> 1.62 1.57 1.56 1.66
31 {Zdm ~ynm hoëW B§í`moa|g H§$nZr {b{_Q>oS> 1.74 1.62 2.56 2.55
32 ñQ>ma hoëW E§S> EbmBS> B§í`moa|g H§$nZr {b{_Q>oS> 2.18 2.13 2.23 2.21
nwZ~u_mH$Vm©
33 ^maVr` gmYmaU ~r_m {ZJ_ 2.88 2.82 2.94 3.25
150 Annual Report 2023-24{ddaU 13
{dXoer nwZ~u_mH$Vm©Am| H$s emImAm| emoYZ j‘Vm
H«$.g§. {dXoer nwZ~u_mH$Vm©Am| H$s emImE± 31 _mM© 2023 VH$ 31 _mM© 2024 VH$
1 E{b`m§O ½bmo~b 2.64 4.02
2 EŠgm \«$m§g dr 2.42 8.66
3 \¡$ŠQ´>r å`yMwAb 2.92 3.38
4 OoZ ar 2.06 2.36
5 hZmoda ar 2.25 2.34
6 bm°`S²g Am°\$ B§{S>`m 2.53 2.92
7 å`y{ZI ar 1.79 1.83
8 AmaOrE bmB\$ 2.41 2.52
9 ñH$moa EgB© 4.01 3.05
10 pñdg ar 3.88 2.04
11 EŠg Eb Eg B© ~r_m 3.00 3.62
Annual Report 2023-24 151{ddaU 14
E\$Ama~r g{hV nwZ~u_mH$Vm©Am| H$m gH$b nwZ~u_m àr{_`_ (H$amo‹S> _|)
H«$. nwZ~u_mH$Vm© ^maVr` ì`mnma {dXoer ì`mnma Hw$b
g§. 2022-23 2023-24 2022-23 2023-24 2022-23 2023-24
1 OrAmB©gr ar 25,384.50 25,804.02 11,207.09 11,377.73 36,591.59 37,181.76
E\$Ama~r
2 pñdg ar 2,377.17 7,723.37 -1.81 4.75 2,375.36 7,728.12
3 å`y{ZI ar 9,410.89 10,114.45 119.82 121.37 9,530.71 10,235.81
4 EŠgm \«$m§g dr 979.25 85.81 - - 979.25 85.81
5 ñH$moa EgB© 761.70 2,513.17 - - 761.70 2,513.17
6 EŠgEb EgB© 185.49 287.01 - - 185.49 287.01
7 hZmoda ar 2,558.26 2,078.66 0.55 1.58 2,558.81 2,080.24
8 AmaOrE bmB\$ 310.84 356.46 0.63 0.16 311.47 356.62
9 OoZ ar 870.55 1,012.65 - - 870.55 1,012.65
10 _mH}$b (bm°`S²g) 131.91 150.00 - - 131.91 150.00
11 E{b`m§O ½bmo~b 189.77 208.55 55.83 54.64 245.59 263.18
12 \¡$ŠQ´>r å`yMwAb 135.17 218.91 - - 135.17 218.91
E\$Ama~r Hw$b 17,910.99 24,749.03 175.01 182.49 18,085.99 24,931.52
Hw$b `moJ 43,295.49 50,553.05 11,382.10 11,560.23 54,677.58 62,113.28
152 Annual Report 2023-24{ddaU 15
{dXoer nwZ~u_mH$Vm©Am| H$s emImAm| H$s Amd§{Q>V ny§Or
(< H$amo‹S> _|)
H«$. {dXoer nwZ~u_mH$Vm©Am| H$s emImE± 31 _mM© df© Ho$ 31 _mM©
g§. 2023 VH$ Xm¡amZ Amgd 2024 VH$
1 E{b`m§O ½bmo~b 286.97 61.88 348.85
2 EŠgm \«$m§g dr 730.76 1.11 731.87
3 \¡$ŠQ´>r å`yMwAb 160.80 0.00 160.80
4 OoZ ar 959.70 0.00 959.70
5 hZmoda ar 886.86 -109.83 777.03
6 bm°`S²g Am°\$ B§{S>`m 105.00 0.00 105.00
7 å`y{ZI ar 4641.10 0.00 4641.10
8 AmaOrE bmB\$ 3463.97 296.74 3760.71
9 ñH$moa EgB© 975.16 0.00 975.16
10 pñdg ar 3126.88 0.00 3126.88
11 EŠgEb EgB© ~r_m 233.35 0.00 233.35
Hw$b 15570.55 249.90 15820.45
Annual Report 2023-24 153154
Annual
Report
2023-24
{ddaU 16
OrdZ ~r_m H§$n{Z`m| Ho$ à~§YZ Ho$ VhV AmpñV¶m± (31 ‘mM© VH$)
(< H$amo‹S> _|)
H«$. ~r_m H§$nZr OrdZ {Z{Y
g§. H|$Ðr` gaH$ma amÁ` gaH$ma Ed§ AÝ` Amdmg Ed§ ñdrH¥$V AÝ` Hw$b
à{V^y{V`m± AZw_mo{XV à{V^y{V`m± Adg§aMZm {Zdoe {Zdoe {Zdoe (OrdZ {Z{Y)
2023 2024 2023 2024 2023 2024 2023 2024 2023 2024 2023 2024
1. EH$mo bmB\$ B§í`moa|g {b{_Q>oS>. - 84.45 - 35.00 - 39.12 - 0.67 - 159.25
2. Am{XË` {~‹S>bm gZbmB\$ B§í`moa|g H§$.{b.> 16,059.28 21,758.80 1,669.28 1,761.17 6,953.56 7,297.72 4,298.12 6,021.17 575.67 629.70 29,555.91 37,468.56
3. ~§YZ bmB\$ B§í`moa|g H§$nZr {b{_Q>oS>
(nyd© _| EJm°Z bmB\$ Ho$ Zm_ go OmZm OmVm Wm) 1,183.31 1,136.62 498.61 663.23 670.91 674.35 756.38 885.69 25.02 - 3,134.23 3,359.90
4. E{O`mg \o$S>ab bmB\$ B§í`moa|g H§$.{b. 3,011.66 3,086.04 3,517.80 3,852.72 1,854.33 2,025.12 1,345.39 2,063.25 77.95 38.96 9,807.13 11,066.09
5. Adrdm bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 5,047.38 5,318.73 1,804.48 2,323.46 1,466.44 1,678.11 254.08 157.42 19.10 38.09 8,591.48 9,515.82
6. ~OmO Am{b`m§O bmB\$ B§í`moa|g H§$.{b. 19,325.61 21,379.30 4,209.50 7,197.85 6,581.41 5,572.80 11,376.08 13,547.00 873.67 700.42 42,366.27 48,397.37
7. ^maVr EŠgm bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 5,218.28 6,187.60 1,818.31 1,903.61 1,936.96 2,202.19 1,308.74 1,882.03 265.32 194.63 10,547.62 12,370.07
8. Ho$Zam EMEg~rgr bmB\$ B§í`moa|g H§$.{b. 4,363.04 5,149.56 3,232.44 4,913.62 2,486.75 2,496.06 1,716.50 2,755.79 141.75 32.46 11,940.49 15,347.49
9. H«o${S>Q> EŠgog bmB\$ B§í`moa|g {b{_Q>oS>. - 80.68 - 9.90 - 27.42 - 23.36 - 7.88 - 149.25
10. ES>bdmBg Q>mo{H$`mo bmB\$ B§í`moa|g H§$.{b. 2,384.27 2,947.34 106.39 222.81 729.84 1,039.88 851.67 880.81 484.10 428.03 4,556.28 5,518.87
11. â`yMa OZabr B§{S>`m bmB\$ B§í`moa|g H§$.{b. 3,528.61 3,900.67 392.89 383.57 918.24 1,089.55 420.51 737.22 2.24 46.02 5,262.48 6,157.03
12. Jmo {S>{OQ> bmB\$ B§í`moa|g {b{_Q>oS>. - 148.00 - - - 52.88 - 74.64 - 5.74 - 281.27
13. EMS>rE\$gr bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 58,304.52 75,563.14 10,888.03 15,623.67 19,217.11 23,328.08 19,729.44 20,608.32 2,453.18 2,304.08 1,10,592.27 1,37,427.29
14. AmB©grAmB©grAmB© àyS|>{e`b bmB\$ B§í. H§$.{b. 49,060.76 59,456.82 5,863.60 6,658.14 13,823.73 16,485.93 15,047.08 17,616.84 2,197.10 1,919.25 85,992.27 1,02,136.98
15. B§{S>`m\$ñQ>© bmB\$ B§í`moa|g H§$.{b. 2,471.37 3,982.38 2,705.33 3,380.85 1,656.71 2,064.83 1,144.57 1,648.09 71.59 65.00 8,049.57 11,141.14
16. H$moQ>H$ _{hÝÐm bmB\$ B§í`moa|g {b{_Q>oS>. 24,503.26 29,818.68 1,653.22 2,881.55 6,543.82 7,584.34 4,661.72 4,698.40 738.96 1,054.63 38,100.98 46,037.61
17. _¡ŠgbmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 44,935.22 52,802.12 7,516.72 8,549.34 13,592.36 17,056.56 13,811.04 14,552.85 2,315.77 3,062.34 82,171.12 96,023.21
18. nrEZ~r _oQ>bmB\$ B§{S>`m B§í`moa|g H§$.{b. 12,438.72 13,773.52 5,064.19 6,335.23 7,462.50 6,948.44 3,798.30 6,570.94 255.32 218.20 29,019.04 33,846.33
19. àm_o[aH$m bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 2,984.52 3,400.07 476.69 793.97 1,284.03 1,234.13 647.35 684.22 37.10 43.97 5,429.69 6,156.36
20. [abm`§g {Zßnm°Z bmB\$ B§í`moa|g H§$.{b. 13,725.38 15,017.27 3,663.89 4,446.89 3,906.44 4,963.80 1,748.48 2,047.62 125.74 102.98 23,169.94 26,578.57
21. ghmam B§{S>`m bmB\$ B§í`moa|g H§$nZr {b{_Q>oS>* 671.60 - 196.94 - 449.67 - 87.38 - 17.62 - 1,423.21 -
22. Eg~rAmB© bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 41,780.24 53,870.24 5,643.23 5,689.37 15,232.49 17,701.27 19,077.33 20,949.77 2,308.97 2,489.20 84,042.26 1,00,699.85
23. lram_ bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 2,634.56 3,226.27 2,053.84 2,428.35 2,051.73 2,061.50 950.08 1,783.27 58.30 72.69 7,748.52 9,572.08
24. ñQ>ma `y{Z`Z XmB©-BMr bmB\$ B§í`moa|g H§$.{b.> 6,052.11 6,225.62 1,684.49 3,425.75 1,878.45 2,593.15 1,051.46 1,193.30 94.09 165.16 10,760.60 13,602.98
25. Q>mQ>m EAmB©E bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 30,673.74 41,094.88 88.12 69.76 8,035.26 10,042.74 5,073.14 6,883.38 649.39 1,164.02 44,519.65 59,254.78
{ZOr Hw$b 3,50,357.44 4,29,408.82 64,747.98 83,514.80 1,18,732.76 1,36,255.88 1,09,154.85 1,28,304.51 13,787.95 14,784.12 6,56,780.99 7,92,268.13
26. EbAmBg© r 12,71,063.52 13,77,418.00 6,02,679.07 6,63,690.00 2,15,210.22 2,43,610.00 6,45,442.42 7,61,159.76 1,27,204.88 83,637.03 28,61,600.11 31,29,514.79
CÚmoJ Hw$b 16,21,420.96 18,06,826.82 6,67,427.05 7,47,204.80 3,33,942.98 3,79,865.88 7,54,597.27 8,89,464.27 1,40,992.84 98,421.15 35,18,381.10 39,21,782.92
ZmoQ>: *ghmam B§{S>`m bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> (EgAmB©EbAmB©gr) H$m OrdZ ~r_m H$mamo~ma AmB©AmaS>rEAmB© Ûmam AnZo AmXoe {XZm§H$ 2.6.2023 Ho$ VhV Eg~rAmB© bmB\$ B§í`moa|g H§$nZr
{b{_Q>oS> (Eg~rAmB© bmB\$) H$mo hñVm§V[aV {H$`m OmVm h¡ Am¡a {dÎm df© 2023-24 Ho$ {bE Cnamoº$ So>Q>m/gyMZm _| EgAmB©EbAmB©gr go g§~§{YV So>Q>m/gyMZm em{_b Zht h¡&Annual
Report
2023-24
155
Omar... {ddaU 16
OrdZ ~r_m H§$n{Z`m| Ho$ à~§YZ Ho$ VhV AmpñV¶m± (31 ‘mM© VH$)
(< H$amo‹S> _|)
H«$. ~r_m H§$nZr n|eZ Ed§ gm_mÝ` dm{f©H$s Ed§ g_yh {Z{Y
g§. H|$Ðr` gaH$ma amÁ` gaH$ma Ed§ ñdrH¥$V Hw$b (n|eZ Ed§ gm_mÝ`
à{V^y{V`m± AÝ` AZw_mo{XV à{V^y{V`m± {Zdoe dm{f©H$s Ed§ g_yh {Z{Y)
2023 2024 2023 2024 2023 2024 2023 2024
1. EH$mo bmB\$ B§í`moa|g {b{_Q>oS>. - - - - - - - -
2. Am{XË` {~‹S>bm gZbmB\$ B§í`moa|g H§$.{b. 4,438.32 5,138.37 979.92 1,278.81 4,405.46 5,871.65 9,823.70 12,288.83
3. ~§YZ bmB\$ B§í`moa|g H§$nZr {b{_Q>oS>
(nyd© _| EJm°Z bmB\$ Ho$ Zm_ go OmZm OmVm Wm) 4.19 4.20 - - 0.98 1.50 5.17 5.70
4. E{O`mg \o$S>ab bmB\$ B§í`moa|g H§$.{b. 327.02 342.20 226.81 266.81 357.20 487.28 911.03 1,096.29
5. Adrdm bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 217.08 205.35 13.89 34.22 44.90 43.05 275.86 282.62
6. ~OmO Am{b`m§O bmB\$ B§í`moa|g H§$.{b. 7,504.17 7,041.53 1,888.51 3,197.89 4,051.04 5,479.54 13,443.72 15,718.96
7. ^maVr EŠgm bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 180.76 266.09 136.54 129.13 307.20 291.54 624.50 686.76
8. Ho$Zam EMEg~rgr Amo~rgr bmB\$ B§í`moa|g H§$.{b. 1,211.95 1,347.00 1,283.13 1,531.71 2,791.85 3,169.54 5,286.93 6,048.25
9. H«o${S>Q> EŠgog bmB\$ B§í`moa|g {b{_Q>oS>. - 31.95 - - - 35.22 - 67.17
10. ES>bdmBg Q>mo{H$`mo bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 211.63 206.42 6.02 6.02 60.78 87.93 278.43 300.37
11. â`yMa OZabr B§{S>`m bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 270.01 261.57 288.48 265.84 577.95 553.21 1,136.45 1,080.61
12. Jmo {S>{OQ> bmB\$ B§í`moa|g {b{_Q>oS>. - 67.25 - - - 50.41 - 117.66
13. EMS>rE\$gr bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 24,155.59 27,457.43 10,563.35 16,315.63 12,481.68 10,394.66 47,200.62 54,167.72
14. AmB©grAmB©grAmB© àyS|>{e`b bmB\$ B§í`moa|g H§$.{b. 10,250.67 11,739.36 2,127.40 2,838.83 4,014.05 5,262.73 16,392.12 19,840.92
15. B§{S>`m\$ñQ>© bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 1,771.54 2,070.31 2,258.18 2,217.58 1,612.30 1,704.88 5,642.02 5,992.77
16. H$moQ>H$ _{hÝÐm bmB\$ B§í`moa|g {b{_Q>oS>. 1,958.85 3,002.84 478.20 716.70 683.29 784.26 3,120.33 4,503.80
17. _¡ŠgbmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 1,871.41 2,867.78 1,106.33 2,622.90 1,680.57 1,734.65 4,658.30 7,225.32
18. nrEZ~r _oQ>bmB\$ B§{S>`m B§í`moa|g H§$nZr {b{_Q>oS> 1,512.50 1,684.56 353.55 546.54 341.03 549.06 2,207.08 2,780.16
19. àm_o[aH$m bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 600.90 777.64 129.66 196.64 703.46 934.15 1,434.03 1,908.43
20. [abm`§g {Zßnm°Z bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 176.45 191.64 135.48 148.65 29.85 52.87 341.78 393.16
21. ghmam B§{S>`m bmB\$ B§í`moa|g H§$nZr {b{_Q>oS>* 3.23 - - - - - 3.23 -
22. Eg~rAmB© bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 26,620.13 33,116.91 14,599.67 17,636.85 16,896.06 17,631.11 58,115.86 68,384.87
23. lram_ bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 230.35 253.08 247.25 358.26 321.77 413.88 799.37 1,025.22
24. ñQ>ma `y{Z`Z XmB©-BMr bmB\$ B§í`moa|g H§$.{b. 1,447.49 2,183.88 1,873.62 2,417.46 1,854.97 2,245.74 5,176.07 6,847.07
25. Q>mQ>m EAmB©E bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 2,666.42 3,748.80 62.28 49.54 557.32 763.09 3,286.02 4,561.42
{ZOr Hw$b 87,630.66 1,04,006.15 38,758.26 52,776.01 53,773.70 58,541.94 1,80,162.61 2,15,324.09
EbAmB©gr 4,73,237.81 5,26,422.68 4,54,229.43 4,95,529.32 2,28,408.24 2,37,073.12 11,55,875.49 12,59,025.12
CÚmoJ Hw$b 5,60,868.46 6,30,428.83 4,92,987.69 5,48,305.33 2,82,181.95 2,95,615.06 13,36,038.10 14,74,349.21
ZmoQ>: *ghmam B§{S>`m bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> (EgAmB©EbAmB©gr) H$m OrdZ ~r_m H$mamo~ma AmB©AmaS>rEAmB© Ûmam AnZo AmXoe {XZm§H$ 2.6.2023 Ho$ VhV Eg~rAmB© bmB\$ B§í`moa|g H§$nZr
{b{_Q>oS> (Eg~rAmB© bmB\$) H$mo hñVm§V[aV {H$`m OmVm h¡ Am¡a {dÎm df© 2023-24 Ho$ {bE Cnamoº$ So>Q>m/gyMZm _| EgAmB©EbAmB©gr go g§~§{YV So>Q>m/gyMZm em{_b Zht h¡&156
Annual
Report
2023-24
Omar... {ddaU 16
OrdZ ~r_m H§$n{Z`m| Ho$ à~§YZ Ho$ VhV AmpñV¶m± (31 ‘mM© VH$)
(< H$amo‹S> _|)
H«$. ~r_m H§$nZr `y{ZQ> qbŠS> \§$S> Hw$b (g^r {Z{Y`m§)
g. ñdrH¥$V {Zdoe AÝ` {Zdoe Hw$b (`y{bn \§$S>)
2023 2024 2023 2024 2023 2024 2023 2024
1. EH$mo bmB\$ B§í`moa|g {b{_Q>oS>. - - - - - - - 159.25
2. Am{XË` {~‹S>bm gZbmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 28,965.03 33,388.17 1,542.38 2,617.48 30,507.41 36,005.65 69,887.02 85,763.04
3. ~§YZ bmB\$ B§í`moa|g H§$nZr {b{_Q>oS>
(nyd© _| EJm°Z bmB\$ Ho$ Zm_ go OmZm OmVm Wm) 841.24 987.33 115.18 71.72 956.42 1,059.06 4,095.82 4,424.66
4. E{O`mg \o$S>ab bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 3,727.79 4,584.82 236.02 244.69 3,963.81 4,829.51 14,681.97 16,991.89
5. Adrdm bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 3,130.24 3,744.37 344.83 299.75 3,475.07 4,044.12 12,342.41 13,842.56
6. ~OmO Am{b`m§O bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 30,518.59 39,814.13 3,067.58 3,869.96 33,586.17 43,684.09 89,396.16 1,07,800.42
7. ^maVr EŠgm bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 1,584.78 2,088.85 181.37 156.79 1,766.14 2,245.64 12,938.26 15,302.47
8. Ho$Zam EMEg~rgr Amo~rgr bmB\$ B§í`moa|g H§$.{b.> 11,752.65 14,611.13 1,186.80 1,306.46 12,939.45 15,917.59 30,166.88 37,313.33
9. H«o${S>Q> EŠgog bmB\$ B§í`moa|g {b{_Q>oS>. - - - - - - - 216.42
10. ES>bdmBg Q>mo{H$`mo bmB\$ B§í`moa|g H§$.{b. 1,567.42 1,880.49 178.58 220.13 1,746.00 2,100.62 6,580.71 7,919.86
11. â`yMa OZabr B§{S>`m bmB\$ B§í`moa|g H§$.{b. 626.87 643.59 65.89 95.79 692.76 739.38 7,091.69 7,977.02
12. Jmo {S>{OQ> bmB\$ B§í`moa|g {b{_Q>oS>. - - - - - - - 398.93
13. EMS>rE\$gr bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 71,368.11 86,590.37 7,833.36 8,951.25 79,201.47 95,541.62 2,36,994.36 2,87,136.63
14. AmB©grAmB©grAmB© àyS|>{e`b bmB\$ B§í`moa|g H§$.{b. 1,22,498.98 1,38,033.18 21,559.07 26,809.21 1,44,058.06 1,64,842.39 2,46,442.45 2,86,820.29
15. B§{S>`m\$ñQ>© bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 7,119.65 8,629.24 619.15 892.67 7,738.81 9,521.91 21,430.40 26,655.82
16. H$moQ>H$ _{hÝÐm bmB\$ B§í`moa|g {b{_Q>oS>. 20,809.61 25,752.40 1,931.83 2,933.42 22,741.44 28,685.82 63,962.74 79,227.23
17. _¡ŠgbmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 32,940.95 40,147.39 2,309.29 4,031.88 35,250.23 44,179.27 1,22,079.65 1,47,427.80
18. nrEZ~r _oQ>bmB\$ B§{S>`m B§í`moa|g H§$nZr {b{_Q>oS> 7,925.28 10,354.13 468.59 439.44 8,393.87 10,793.57 39,619.99 47,420.06
19. àm_o[aH$m bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 333.85 334.00 25.13 23.61 358.98 357.62 7,222.69 8,422.41
20. [abm`§g {Zßnm°Z bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 6,347.60 7,378.38 617.76 694.50 6,965.35 8,072.88 30,477.08 35,044.61
21. ghmam B§{S>`m bmB\$ B§í`moa|g H§$nZr {b{_Q>oS>* 66.61 - 4.59 - 71.20 - 1,497.64 -
22. Eg~rAmB© bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 1,51,231.09 2,00,070.78 12,024.45 15,939.49 1,63,255.54 2,16,010.27 3,05,413.66 3,85,094.99
23. lram_ bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 406.48 491.46 22.35 29.05 428.83 520.51 8,976.71 11,117.81
24. ñQ>ma `y{Z`Z XmB©-BMr bmB\$ B§í`moa|g H§$.{b. 2,540.37 3,407.94 240.82 135.56 2,781.19 3,543.50 18,717.86 23,993.55
25. Q>mQ>m EAmB©E bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 18,801.21 27,848.82 3,135.63 5,133.81 21,936.84 32,982.63 69,742.51 96,798.83
{ZOr Hw$b 5,25,104.38 6,50,780.97 57,710.65 74,896.68 5,82,815.03 7,25,677.65 14,19,758.63 17,33,269.87
EbAmB©gr 25,419.06 34,435.96 760.86 603.76 26,179.92 35,039.72 40,43,655.51 44,23,579.63
CÚmoJ Hw$b 5,50,523.44 6,85,216.93 58,471.51 75,500.44 6,08,994.95 7,60,717.37 54,63,414.15 61,56,849.50
ZmoQ>: *ghmam B§{S>`m bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> (EgAmB©EbAmB©gr) H$m OrdZ ~r_m H$mamo~ma AmB©AmaS>rEAmB© Ûmam AnZo AmXoe {XZm§H$ 2.6.2023 Ho$ VhV Eg~rAmB© bmB\$ B§í`moa|g H§$nZr
{b{_Q>oS> (Eg~rAmB© bmB\$) H$mo hñVm§V[aV {H$`m OmVm h¡ Am¡a {dÎm df© 2023-24 Ho$ {bE Cnamoº$ So>Q>m/gyMZm _| EgAmB©EbAmB©gr go g§~§{YV So>Q>m/gyMZm em{_b Zht h¡&Annual
Report
2023-24
157
{ddaU 17
gmYmaU, ñdmñÏ`, {d{eï> Ed§ nwZ~u_mH$Vm©Am| Ho$ à~§YZ Ho$ AYrZ n[ag§n{Îm`m§ (31 _mM© VH$)
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H«$. ~r_m H§$nZr H|$Ðr` à{V^y{V`m± amÁ` gaH$ma Ed§ Amdmg Ed§ E\$E\$B© Adg§aMZm _| ñdrH¥$V AÝ` Hw$b
g§. gaH$ma AÝ` AZw_mo{XV Ho$ {bE amÁ` gaH$ma {Zdoe {Zdoe {Zdoe {Zdoe
à{V^{yV`m± H$m oF$U
2023 2024 2023 2024 2023 2024 2023 2024 2023 2024 2023 2024 2023 2024
1 EH$mo OZab B§í`moa|g {b{_Q>oS> 546.35 731.88 153.33 126.27 277.17 247.24 265.11 196.85 693.20 1,065.21 - - 1,935.16 2,367.45
2 ~OmO Am{b`m§O OZab B§í. H§$. {b.> 15,393.86 14,742.52 3,440.04 3,582.59 2,476.93 1,518.55 1,838.33 3,239.97 3,477.28 6,216.47 157.49 235.56 26,783.94 29,535.66
3 Mmobm_§S>b_ E_Eg OZab B§í. H§$. {b.> 6,460.68 6,300.51 3,117.87 3,820.32 2,055.74 957.17 2,059.83 2,560.30 892.61 2,742.19 96.19 120.82 14,682.91 16,501.32
4 â`yMa OZabr B§{S>`m B§í. H§$. {b.> 1,669.09 1,866.14 1,838.26 1,996.58 795.96 723.02 1,353.16 1,434.93 1,090.43 1,455.73 26.19 25.42 6,773.11 7,501.82
5 Jmo {S>{OQ> OZab B§í`moa|g {b{_Q>oS>. 8,415.89 8,600.74 241.54 319.31 956.00 999.60 1,390.01 1,985.77 1,240.06 3,155.21 56.44 174.14 12,299.93 15,234.76
6 EMS>rE\$gr EJm} OZab B§í. H§$. {b.>> 4,686.39 6,210.43 4,694.16 5,690.12 2,007.87 1,943.32 4,702.71 5,366.00 5,894.81 6,197.80 228.40 58.54 22,214.34 25,466.21
7 AmB©grAmB©grAmB© bmoå~mS©> OZab B§í. H§$. {b.> 14,107.09 13,528.96 5,460.16 6,589.24 3,748.86 2,680.93 6,166.80 7,077.87 11,653.61 16,342.83 1,839.18 1,717.42 42,975.70 47,937.25
8 B\$H$mo Q>mo{H$`mo OZab B§í. H§$. {b.> 5,395.73 5,825.36 3,213.33 3,513.90 1,839.21 1,801.82 3,527.74 2,403.17 2,602.18 4,032.49 3.22 1.55 16,581.41 17,578.29
9 H$moQ>H$ _qhÐm OZab B§í. H§$. {b.>> 875.10 1,104.51 187.42 95.04 323.83 250.21 39.99 310.77 317.46 519.83 - 15.00 1,743.80 2,295.36
10 jo_m OZab B§í`moa|g {b{_Q>oS>* - 124.10 - 23.11 - 14.98 - 64.82 - 175.13 - - - 402.13
11 {b~Q>u OZab B§í`moa|g {b{_Q>oS> 836.49 942.26 769.76 928.72 449.54 329.95 675.07 800.82 977.54 1,037.51 - - 3,708.40 4,039.26
12 _¡½_m EMS>rAmB© OZab B§í. H§$. {b.>>> 2,064.52 2,237.69 778.75 1,018.59 452.85 486.19 1,025.92 1,414.94 847.06 1,760.97 89.94 89.95 5,259.04 7,008.32
13 Zdr OZab B§í`moa|g {b{_Q>oS> 169.05 312.24 107.52 10.01 59.66 24.83 103.24 101.41 13.05 37.25 37.04 34.99 489.56 520.73
14 ahoOm Š`y~rB© OZab B§í. H§$. {b.>>>> 363.40 317.08 - - 120.34 55.00 204.26 200.87 162.08 310.12 - - 850.08 883.06
15 [abm`§g OZab B§í`moa|g H§$nZr {b. 5,301.03 5,905.95 2,912.85 3,686.19 1,343.55 2,039.40 1,726.62 2,335.41 5,284.58 6,053.56 439.41 416.76 17,008.04 20,437.27
16 am°`b gw§Xa_ OZab B§í`moa|g H§$.{b. 1,833.76 2,771.12 1,366.37 1,268.19 901.43 751.25 1,486.80 1,052.67 1,677.18 2,107.44 369.85 523.45 7,635.38 8,474.11
17 Eg~rAmB© OZab B§í`moa|g H§$.{b. 3,467.31 3,785.33 1,932.39 2,250.17 1,393.38 1,115.66 2,410.83 2,951.37 3,664.48 6,924.10 215.40 597.83 13,083.79 17,624.46
18 lram_ OZab B§í`moa|g H§$nZr {b{_Q>oS> 3,615.54 3,700.20 5.30 57.32 2,200.14 1,898.62 2,675.79 2,658.83 2,813.73 3,494.69 4.66 187.99 11,315.16 11,997.64
19 Q>mQ>m EAmB©Or OZab B§í. H§$. {b.>>>>> 5,196.80 6,072.50 3,873.90 4,508.89 1,459.19 1,083.98 3,383.63 3,721.78 7,488.99 9,984.87 1,163.41 1,482.40 22,565.92 26,854.43
20 `y{Zdg©b gmoånmo OZab B§í. H§$. {b.>>> 1,275.99 1,181.13 451.56 443.36 573.36 521.32 744.02 874.85 1,322.98 1,528.02 18.61 60.15 4,386.52 4,608.84
21 µOyZmo OZab B§í`moa|g H§$nZr {b{_Q>oS> 151.60 314.61 42.98 30.96 96.36 126.81 114.18 111.40 176.97 453.66 68.02 60.47 650.11 1,097.91
{ZOr jÌo H$wb 81,825.66 86,575.27 34,587.51 39,958.87 23,531.35 19,569.84 35,894.03 40,864.79 52,290.28 75,595.08 4,813.45 5,802.43 2,32,942.29 2,68,366.28
22 ZoeZb B§í`moa|g H§$nZr {b{_Q>oS> 6,228.15 6,032.81 6,441.15 5,667.46 2,454.52 2,214.85 2,749.95 2,510.25 9,431.66 10,870.67 1,215.50 615.31 28,520.92 27,911.35
23 Ý`y B§{S>`m Eí`moa|g H§$nZr {b{_Q>oS> 16,839.99 13,717.74 18,928.37 18,193.63 3,151.89 3,697.29 7,284.92 7,404.51 7,906.46 16,866.25 2,239.01 863.65 56,350.64 60,743.08
24 Amo[aE§Q>b B§í`moa|g H§$nZr {b{_Q>oS> 4,865.45 4,646.37 8,445.84 7,718.80 1,278.23 1,225.95 2,229.93 2,093.18 3,350.18 5,253.09 914.66 573.55 21,084.29 21,510.94
25 `yZmBQ>oS> B§{S>`m B§í`moa|g H§$nZr {b{_Q>oS> 8,539.22 8,288.91 8,715.28 8,483.65 2,098.81 1,924.44 3,978.21 3,919.62 7,639.10 8,899.65 1,789.34 1,103.31 32,759.96 32,619.58
gmdO© {ZH$ jÌo H$wb 36,472.81 32,685.83 42,530.64 40,063.54 8,983.44 9,062.53 16,243.02 15,927.57 28,327.40 41,889.66 6,158.50 3,155.82 1,38,715.81 1,42,784.95
26 Am{XË` {~‹S>bm ñdmñÏ` ~r_m H§$.{b. 1,189.87 1,102.54 898.30 983.94 118.57 149.86 93.90 153.74 653.23 916.56 - - 2,953.87 3,306.63
27 Ho$`a hoëW B§í`moa|g {b{_Q>oS>. 1,565.56 1,942.93 275.85 534.08 386.56 401.47 1,568.43 1,914.78 1,272.81 1,802.02 12.74 9.72 5,081.95 6,605.00
28 _{Unmb{g¾m hoëW B§í`moa|g H§$.{b. 341.16 377.06 365.51 412.68 126.15 105.59 264.45 357.80 322.59 439.55 7.24 2.67 1,427.10 1,695.35
* jo_m ZB© H§$nZr h¡ {OgZo {dÎm df© 2023-24 _| n[aMmbZ ewê$ {H$`m h¡158
Annual
Report
2023-24
Omar... H$WZ 17
gmYmaU, ñdmñÏ`, {d{eï> Ed§ nwZ~u_mH$Vm©Am| Ho$ à~§YZ Ho$ AYrZ AmpñV¶m±§ (31 _mM© VH$)
(< H$amo‹S> _|)
H«$. ~r_m H§$nZr H|$Ðr` à{V^y{V`m± amÁ` gaH$ma Ed§ Amdmg Ed§ E\$E\$B© Adg§aMZm _| ñdrH¥$V AÝ` Hw$b
g§. gaH$ma AÝ` AZw_mo{XV Ho$ {bE amÁ` gaH$ma {Zdoe {Zdoe {Zdoe {Zdoe
à{V^{yV`m± H$m oF$U
2023 2024 2023 2024 2023 2024 2023 2024 2023 2024 2023 2024 2023 2024
29 {Zdm ~ynm hoëW B§í`moa|g H§$.{b. 692.58 1,131.89 360.69 607.05 393.66 497.94 831.85 1,496.91 881.91 1,524.50 208.44 199.08 3,369.14 5,457.36
30 ñQ>ma hoëW E§S> EbmBS> B§í.H§$.{b. 3,118.74 3,582.12 1,619.60 1,563.18 936.23 1,465.78 1,666.11 1,828.97 5,512.96 6,162.48 536.11 784.79 13,389.76 15,387.31
ñQ>¢S>AbmoZ ñdmñÏ`Hw$b 6,907.92 8,136.53 3,519.95 4,100.92 1,961.17 2,620.64 4,424.76 5,752.19 8,643.49 10,845.10 764.53 996.26 26,221.81 32,451.65
31 OrAmB©gr Am°\$ B§{S>`m 21,917.08 23,005.82 24,449.86 28,131.47 6,289.70 6,398.89 8,236.00 11,506.97 21,356.13 24,911.90 3,926.63 2,344.23 86,175.41 96,299.27
nwZ~u_mH$Vm© Hw$b 21,917.08 23,005.82 24,449.86 28,131.47 6,289.70 6,398.89 8,236.00 11,506.97 21,356.13 24,911.90 3,926.63 2,344.23 86,175.41 96,299.27
32 EAmB©gr 4,240.98 4,021.50 4,377.51 4,090.35 2,047.57 2,015.75 998.16 977.54 4,158.74 4,186.52 52.04 72.00 15,875.00 15,363.66
33 B©grOrgr 3,326.90 3,413.27 3,448.01 3,924.84 1,181.66 1,022.44 3,218.05 3,168.94 4,234.73 4,457.79 166.46 146.67 15,575.82 16,133.94
{d{eï> ~r_mH$Vm© Hw$b 7,567.89 7,434.77 7,825.52 8,015.19 3,229.22 3,038.19 4,216.22 4,146.48 8,393.47 8,644.31 218.50 218.67 31,450.82 31,497.60
{dXoer nwZ~u_mH$Vm©Am| H$s emImE±
34 Ebm`§g ½bmo~b 155.82 196.06 122.21 120.18 - 24.84 157.40 75.17 44.71 79.71 - - 480.14 495.96
35 EŠgm \«$m§g drAmB©B© 1,133.10 875.72 26.66 26.05 110.89 100.27 - 108.07 150.61 - - - 1,421.26 1,110.11
36 \¡$ŠQ´>r å`yMwAb 144.14 166.80 - - - 15.62 - 35.59 - - - - 144.14 218.01
37 OZab arB§í`moa|g EOr ^maV emIm 917.29 1,045.85 - 76.07 - 75.09 247.77 219.49 - 34.70 - - 1,165.06 1,451.20
38 hZmoda AmaB© 1,831.33 1,785.03 15.77 15.46 - 174.11 392.00 533.49 371.42 640.35 - - 2,610.52 3,148.44
39 å`y{ZI Ama.B©. 5,767.60 6,561.71 - - 334.19 269.40 1,899.91 2,718.64 - - - - 8,001.70 9,549.75
40 AmaOrE bmB\$ 2,721.57 3,189.16 - - - - 611.13 604.16 30.75 59.42 - - 3,363.45 3,852.74
41 ñH$moa EgB© 1,851.15 2,191.70 - - - 194.91 225.05 314.13 220.06 - - - 2,296.26 2,700.74
42 pñdg AmaB© 3,899.59 5,061.37 - - 650.46 643.01 647.06 851.30 - - - - 5,197.11 6,555.68
43 EŠgEb B§í`moa|g H§$nZr Eg.B©. 457.87 487.13 - - 80.46 70.31 71.46 71.19 - - - - 609.79 628.63
E\$Ama~r Hw$b 18,879.46 21,560.53 164.64 237.76 1,176.00 1,567.56 4,251.78 5,531.23 817.55 814.18 - - 25,289.43 29,711.26
H$wb `mJo 1,73,570.81 1,79,398.74 1,13,078.12 1,20,507.75 45,170.89 42,257.65 73,265.80 83,729.23 1,19,828.33 1,62,700.23 15,881.62 12,517.41 5,40,795.58 6,01,111.02
* jo_m ZB© H§$nZr h¡ {OgZo {dÎm df© 2023-24 _| n[aMmbZ ewê$ {H$`m h¡AZw~§Y160 Annual Report 2023-24AZw~§Y 1
^maV _| H$m`©aV n§OrH¥$V ~r_mH$Vm©Am|/nwZ~u_mH$Vm©Am| H$s gyMr
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1 ZoeZb B§í`moa|g H§$nZr {b{_Q>oS>
1 ^maVr` OrdZ ~r_m {ZJ_ 2 Ý`y B§{S>`m Eí`moa|g H§$nZr {b{_Q>oS>
3 Amo[aE§Q>b B§í`moa|g H§$nZr {b{_Q>oS>
4 `yZmBQ>oS> B§{S>`m B§í`moa|g H§$nZr {b{_Q>oS>
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1 EH$mo bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> {ZOr joÌ
2 Am{XË` {~‹S>bm gZ bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 1 EH$mo OZab B§í`moa|g {b{_Q>oS>.
2 ~OmO Am{b`m§O OZab B§í`moa|g H§$nZr {b{_Q>oS>
3 EJm°Z bmB\$ B§í`moa|g H§$nZr {b{_Q>oS>
3 Mmobm_§S>b_ E_Eg OZab B§í`moa|g H§$nZr {b{_Q>oS>
4 E{O`mg \o$S>ab bmB\$ B§í`moa|g H§$nZr {b{_Q>oS>
4 ES>bdmBg OZab B§í`moa|g H§$nZr {b{_Q>oS>
5 Adrdm bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 5 â`yMa OoZoambr B§{S>`m B§í`moa|g H§$nZr {b{_Q>oS>
6 Jmo {S>{OQ> OZab B§í`moa|g {b{_Q>oS>.
6 ~OmO Am{b`m§O bmB\$ B§í`moa|g H§$nZr {b{_Q>oS>
7 EMS>rE\$gr EJm} OZab B§í`moa|g H§$nZr {b{_Q>oS>
7 ^maVr EŠgm bmB\$ B§í`moa|g H§$nZr {b{_Q>oS>
8 AmB©grAmB©grAmB© bmoå~mS©> OZab B§í`moa|g H§$nZr {b{_Q>oS>
8 Ho$Zam EMEg~rgr bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 9 B\$H$mo Q>mo{H$`mo OZab B§í`moa|g H§$nZr {b{_Q>oS>
9 H«o${S>Q>EŠgog bmB\$ B§í`moa|g {b{_Q>oS> 10 H$moQ>H$ _qhÐm OZab B§í`moa|g H§$nZr {b{_Q>oS>
11 jo_m OZab B§í`moa|g H§$nZr {b{_Q>oS>
10 ES>bdmBg Q>mo{H$`mo bmB\$ B§í`moa|g H§$nZr {b{_Q>oS>
12 {b~Q>u OZab B§í`moa|g {b{_Q>oS>
11 â`yMa OZabr B§{S>`m bmB\$ B§í`moa|g H§$nZr {b{_Q>oS>
13 _¡½_m EMS>rAmB© OZab B§í`moa|g H§$nZr {b{_Q>oS>
12 Jmo {S>{OQ> bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 14 Zdr OZab B§í`moa|g {b{_Q>oS> (nyd©dVu S>rEME\$Eb)
13 EMS>rE\$gr bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 15 ahoOm Š`y~rB© OZab B§í`moa|g H§$nZr {b{_Q>oS>
16 [abm`§g OZab B§í`moa|g H§$nZr {b{_Q>oS>
14 AmB©grAmB©grAmB© àyS|>{e`b bmB\$ B§í`moa|g H§$nZr {b{_Q>oS>
17 am°`b gw§Xa_ OZab B§í`moa|g H§$nZr {b{_Q>oS>
15 B§{S>`m\$ñQ>© bmB\$ B§í`moa|g H§$nZr {b{_Q>oS>
18 Eg~rAmB© OZab OZab B§í`moa|g H§$nZr {b{_Q>oS>
16 H$moQ>H$ _qhÐm bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 19 lram_ OZab OZab B§í`moa|g H§$nZr {b{_Q>oS>
17 _¡Šg bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 20 Q>mQ>m EAmB©Or OZab B§í`moa|g H§$nZr {b{_Q>oS>
21 `y{Zdg©b gmoånmo OZab B§í`moa|g H§$nZr {b{_Q>oS>
18 nrEZ~r _oQ>bmB\$ B§{S>`m B§í`moa|g H§$nZr {b{_Q>oS>
19 àm_o[aH$m bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> {d{eï> ~r_mH$Vm© (gmd©O{ZH$ joÌ)
1 B©grOrgr {b{_Q>oS>
20 [abm`§g {Zßnm°Z bmB\$ B§í`moa|g H§$nZr {b{_Q>oS>
2 EJ«rH$ëMa B§í`moa|g H§$nZr Am°\$ B§{S>`m {b{_Q>oS>
21 ghmam B§{S>¶m bmB\$ B§í`moa|g H§$nZr {b{_Q>oS>
22 Eg~rAmB© bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> ñQ>¢S>AbmoZ ñdmñÏ` ~r_mH$Vm© ({ZOr joÌ)
1 Am{XË` {~‹S>bm hoëW B§í`moa|g H§$nZr {b{_Q>oS>
23 lram_ bmB\$ B§í`moa|g H§$nZr {b{_Q>oS>
2 Ho$`a hoëW B§í`moa|g {b{_Q>oS>.
24 ñQ>ma `y{Z`Z XmB©-BMr bmB\$ B§í`moa|g H§$nZr {b{_Q>oS>
3 J¡boŠgr hoëW E§S> EbmBS> B§í`moa|g H§$nZr {b{_Q>oS>
25 Q>mQ>m EAmB©E bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 4 _{Unmb {g¾m hoëW B§í`moa|g H§$nZr {b{_Q>oS>
5 Zmam`U hoëW B§í`moa|g {b{_Q>oS>
6 {Zdm ~ynm hoëW B§í`moa|g H§$nZr {b{_Q>oS>
7 [abm`§g hoëW B§í`moa|g {b{_Q>oS>
8 ñQ>ma hoëW E§S> EbmBS> B§í`moa|g H§$nZr {b{_Q>oS>
AmB©AmaS>rEAmB© Ûmam {XZm§H$ 02.06.2023 Ho$ AmXoe Ho$ VhV ghmam B§{S>`m bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> (EgAmB©EbAmB©gr) H$m OrdZ ~r_m H$mamo~ma
Eg~rAmB© bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> (Eg~rAmB© bmB\$) H$mo hñVm§V[aV {H$`m OmVm h¡&
àm{YH$aU Zo {XZm§H$ 06 Zd§~a, 2019 Ho$ AmXoe g§X^© g§»`m AmB©AmaS>rE/E\$E/AmoAmaS>r/EgAmoEbnr/200/11/2019 Ho$ _mÜ`_ go [abm`§g hoëW B§í`moa|g
{b{_Q>oS> H$mo ZB© nm°{b{g`m| H$s {~H«$s ~§X H$aZo Ho$ {ZX}e Omar {H$E²&
Annual Report 2023-24 161Omar... AZw~§Y 1
^maV _| H$m`©aV n§OrH¥$V ~r_mH$Vm©Am|/nwZ~u_mH$Vm©Am| H$s gyMr
(31 _mM© 2024 VH$)
nwZ~u_m H§$n{Z`m|
gmd©O{ZH$ joÌ {ZOr joÌ
1 ^maVr` gmYmaU ~r_m {ZJ_ (OrAmB©gr AmaB©) {dXoer nwZ~u_mH$Vm© emImE±
1 E{b`m§O ½bmo~b H$m°nm}aoQ> E§S> ñno{e`{bQ>r EgB©, ^maV
2 EŠgm \«$m§g dr-B§{S>`m nwZ~u_m emIm
3 OZab arB§í`moa|g EOr-^maV emIm
4 hZmoda aH$ EgB©-^maV emIm
5 _M§w Za ê$H$d{gM© éo ½§g-Jgo bo emâQ> Aº$sEO§ go bo emâQ>-^maV emIm
6 AmaOrE bmBµ\$ arB§í`moa|g H§$nZr Am°µ\$ H$ZmS>m-^maV emIm
7 ñH$moa EgB©-^maV emIm
8 pñdg arB§í`moa|g H§$nZr {b{_Q>oS> ^maV emIm
9 EŠgEb B§í`moa|g H§$nZr EgB©, ^maV nwZ~u_m emIm
10 \¡$ŠQ´>r å`yMwAb B§í`moa|g H§$nZr, ^maV emIm
bm°`S²g
1 bm°`S²g B§{S>`m nwZ~u_m emIm
i. _mH}$b g{d©goO B§{S>`m àmBdoQ> {b{_Q>oS>
162 Annual Report 2023-24AZw~§Y 2(i)
^maVr` ~mOma _| AmV§H$dmX OmopI_ ~r_m nyb _| gXñ`m| H$s {hñgoXmar
(H$amo‹S> énE _|)
H«$. gXñ` H§$nZr 2022-23 2023-24
g§. à{V OmopI_ eo`a à{V OmopI_ eo`a
j_Vm (% ‘|) j_Vm (% ‘|)
1 ^maVr` gmYmaU ~r_m {ZJ_ 333.69 16.68% 333.69 16.68%
2 Ý`y B§{S>`m Eí`moa|g H§$nZr {b{_Q>oS> 333.69 16.68% 333.69 16.68%
3 `yZmBQ>oS> B§{S>`m B§í`moa|g H§$nZr {b{_Q>oS> 250.05 12.50% 250.05 12.50%
4 Amo[aE§Q>b B§í`moa|g H§$nZr {b{_Q>oS> 238.31 11.92% 238.31 11.92%
5 AmB©grAmB©grAmB© bmoå~mS©> OZab B§í`moa|g H§$nZr {b{_Q>oS> 180.84 9.04% 180.84 9.04%
6 ~OmO Am{b`m§O OZab B§í`moa|g H§$nZr {b{_Q>oS> 106.28 5.31% 106.28 5.31%
7 B\$H$mo-Q>mo{H$`mo OZab B§í`moa|g H§$nZr {b{_Q>oS> 78.64 3.93% 78.64 3.93%
8 [abm`§g OZab B§í`moa|g H§$nZr {b{_Q>oS> 39.72 1.99% 39.72 1.99%
9 Mmobm_§S>b_ OZab B§í`moa|g H§$nZr {b{_Q>oS> 39.06 1.95% 39.06 1.95%
10 Q>mQ>m-EAmB©Or OZab B§í`moa|g H§$nZr {b{_Q>oS> 31.46 1.57% 31.46 1.57%
11 â`yMa OZabr OZab B§í`moa|g H§$nZr {b{_Q>oS> 28.16 1.41% 28.16 1.41%
12 am°`b gw§Xa_ B§í`moa|g H§$nZr {b{_Q>oS> 27.72 1.39% 27.72 1.39%
13 {b~Q>u OZab B§í`moa|g H§$nZr {b{_Q>oS> 20.81 1.04% 20.81 1.04%
14 ZoeZb B§í`moa|g H§$nZr {b{_Q>oS> 167.62 8.38% 167.62 8.38%
15 gaH$mar ~r_m H$mof, JwOamV 20 1.00% 20 1.00%
16 lram_ OZab B§í`moa|g H§$nZr {b{_Q>oS> 20 1.00% 20 1.00%
17 Eg~rAmB© OZab B§í`moa|g H§$nZr {b{_Q>oS> 15.62 0.78% 15.62 0.78%
18 EMS>rE\$gr EJm} OZab B§í`moa|g H§$nZr {b{_Q>oS> 15 0.75% 15 0.75%
19 _¡½_m EMS>rAmB© OZab B§í`moa|g H§$nZr {b{_Q>oS> 10.32 0.52% 10.32 0.52%
20 H$moQ>H$ _qhÐm OZab B§í`moa|g H§$nZr {b{_Q>oS> 10 0.50% 10 0.50%
21 `y{Zdg©b gmoånmo OZab B§í`moa|g H§$nZr {b{_Q>oS> 10 0.50% 10 0.50%
22 ahoOm Š`y~rB© OZab B§í`moa|g H§$nZr {b{_Q>oS> 1 0.05% 1 0.05%
23 Jmo {S>{OQ> OZab B§í`moa|g H§$nZr 10 0.50% 10 0.50%
24 Zdr OZab B§í`moa|g H§$nZr {b{_Q>oS> 2 0.10% 2 0.10%
25 µOyZmo OZab B§í`moa|g H§$nZr {b{_Q>oS> (ES>bdmBg) 10 0.50% 10 0.50%
Hw$b 2000 100.00% 2000 100.00%
Annual Report 2023-24 163AZw~§Y 2(ii)
^maVr` na_mUw ~r_m nyb _| gXñ`m| H$m {hñgm
(H$amo‹S> én`o _|)
H«$. gXñ` H§$nZr 2022-23 2023-24
g§. à{V OmopI_ _| à{V OmopI_ _|
j_Vm eo`a %) j_Vm eo`a %)
1 ^maVr` gmYmaU ~r_m {ZJ_ 600 40.00% 600 40.00%
2 Ý`y B§{S>`m Eí`moa|g H§$nZr {b{_Q>oS> 300 20.00% 300 20.00%
3 `yZmBQ>oS> B§{S>`m B§í`moa|g H§$nZr 200 13.33% 200 13.33%
4 Amo[aE§Q>b B§í`moa|g H§$nZr {b{_Q>oS> 100 6.67% 100 6.67%
5 ZoeZb B§í`moa|g H§$nZr B§{S>`m 100 6.67% 100 6.67%
6 AmB©grAmB©grAmB© bmoå~mS©> OZab B§í`moa|g H§$nZr 100 6.67% 100 6.67%
7 [abm`§g OZab B§í`moa|g H§$nZr {b{_Q>oS> 20 1.33% 20 1.33%
8 Q>mQ>m EAmB©Or OZab B§í`moa|g H§$nZr {b{_Q>oS> 20 1.33% 20 1.33%
9 B\$H$mo Q>mo{H$`mo OZab B§í`moa|g H§$nZr {b{_Q>oS> 20 1.33% 20 1.33%
10 Mmobm_§S>b_ OZab B§í`moa|g H§$nZr {b{_Q>oS> 15 1.00% 15 1.00%
11 Eg~rAmB© OZab B§í`moa|g H§$nZr {b{_Q>oS> 15 1.00% 15 1.00%
12 `y{Zdg©b gmoånmo OZab B§í`moa|g H§$nZr 10 0.67% 10 0.67%
Hw$b 1500 100.00% 1500 100.00%
164 Annual Report 2023-24AZw~§Y 2(iii)
g_wÐr H$mJm} ~{hîH¥$V joÌ nyb _| gXñ`m| H$m {hñgm
(H$amo‹S> én`o _|)
H«$. gXñ` H§$nZr 2022-23 2023-24
g§. à{V OmopI_ eo`a à{V OmopI_ eo`a
j_Vm (% _|) j_Vm
1 ^maVr` gmYmaU ~r_m {ZJ_ 250 51.57% 250 52.21%
2 ZoeZb B§í`moa|g H§$nZr B§{S>`m 30 6.19% 30 6.27%
3 Ý`y B§{S>`m Eí`moa|g H§$nZr {b{_Q>oS> 40 8.25% 40 8.35%
4 Amo[aE§Q>b B§í`moa|g H§$nZr {b{_Q>oS> 30 6.19% 30 6.27%
5 `yZmBQ>oS> B§{S>`m B§í`moa|g H§$nZr 20 4.13% 20 4.18%
6 ~OmO Am{b`m§O OZab B§í`moa|g H§$nZr {b{_Q>oS> 2.5 0.52% 2.5 0.52%
7 Mmobm_§S>b_ OZab B§í`moa|g H§$nZr {b{_Q>oS> 1 0.21% 1 0.21%
8 µOyZmo OZab B§í`moa|g H§$nZr {b{_Q>oS> (ES>bdmBg) 0.3 0.06% 0.3 0.06%
9 Jmo {S>{OQ> OZab B§í`moa|g H§$nZr. 3 0.62% 5 1.04%
10 EMS>rE\$gr EJm} OZab B§í`moa|g H§$nZr {b{_Q>oS> 6 1.24% 6 1.25%
11 AmB©grAmB©grAmB© bmoå~mS©> OZab B§í`moa|g H§$nZr 30 6.19% 30 6.27%
12 B\$H$mo Q>mo{H$`mo OZab B§í`moa|g H§$nZr {b{_Q>oS> 8 1.65% 8 1.67%
13 H$moQ>H$ _qhÐm OZab B§í`moa|g H§$nZr {b{_Q>oS> 1 0.21% 1 0.21%
14 _¡½_m EMS>rAmB© OZab B§í`moa|g H§$nZr {b{_Q>oS> 5 1.03% 5 1.04%
15 [abm`§g OZab B§í`moa|g H§$nZr {b{_Q>oS> 8 1.65% 8 1.67%
16 am°`b gw§Xa_ B§í`moa|g H§$nZr {b{_Q>oS> 4 0.83% 4 0.84%
17 Eg~rAmB© OZab B§í`moa|g H§$nZr {b{_Q>oS> 5 1.03% 5 1.04%
18 lram_ OZab B§í`moa|g H§$nZr {b{_Q>oS> 1 0.21% 1 0.21%
19 Q>mQ>m EAmB©Or OZab B§í`moa|g H§$nZr {b{_Q>oS> 30 6.19% 30 6.27%
20 `y{Zdg©b gmoånmo OZab B§í`moa|g H§$nZr 2 0.41% 2 0.42%
21 â`yMa OZabr OZab B§í`moa|g H§$nZr {b{_Q>oS> 8 1.65% 0 0.00%
Hw$b `moJ 484.8 100.00% 478.8 100.00%
Annual Report 2023-24 165AZw~§Y 3
{dÎmr¶ df© 2023-24 ‘| gmYmaU ~r‘mH$Vm© H$m _moQ>a
WS>© nmQ>u ~r‘m ~mOma {hñgoXmar
H«$.g§. ~r_m H§$nZr OrS>rnr (`H$amo‹S>) ~mOma {hñgoXmar
1 EH$mo OZab 519 0.95%
2 ~OmO Am{b`m§O 3,149 5.78%
3 Mmob E_Eg 2,946 5.41%
4 â`yMa OZabr 940 1.73%
5 Jmo {S>{OQ> 3,514 6.45%
6 EMS>rE\$gr EJm} 2,645 4.86%
7 AmB©grAmB©grAmB© bmoå~mS©> 4,894 8.99%
8 B\$H$mo Q>mo{H$`mo 2,207 4.05%
9 H$moQ>H$ _qhÐm 324 0.59%
10 jo_m OZab - 0.00%
11 {b~Q>u OZab 638 1.17%
12 _¡½_m EMS>rAmB© 1,488 2.73%
13 Zdr OZab 15 0.03%
14 ahoOm Š`y~rB© 135 0.25%
15 [abm`§g OZab 2,566 4.71%
16 am°`b gw§Xa_ 1,600 2.94%
17 Eg~rAmB© OZab 1,893 3.48%
18 lram_ OZab 2,157 3.96%
19 Q>mQ>m EAmB©Or 4,085 7.50%
20 `y{Zdg©b gmoånmo 1,179 2.17%
21 µOyZmo OZab 189 0.35%
22 amï´>r` 3,432 6.30%
23 X Ý`yB§{S>`m 5,993 11.01%
24 Amo[aE§Q>b 2,959 5.43%
25 `yZmBQ>oS> B§{S>`m 4,987 9.16%
Hw$b `moJ 54,456 100%
ZmoQ>:
{nN>bo {dÎmr` df© _| gm_mÝ` ~r_mH$Vm© H$m {nN>bo {dÎmr` df© H$s VwbZm _| _mb dmhZ, `mÌr
_moQ>a WS©> nmQ>u ~r_m ~mOma {hñgm dmhZ Am¡a Q´>¡ŠQ>a ({d{dY I§S>) H$s g§»`m _| Ý`yZV_
à{VeV d¥{Õ àË`oH$ loUr Ho$ {bE AbJ-AbJ
2% VH$ 12.5%
2% - 5% 10%
5% - 10% 7.5%
10% go A{YH$ 5%
àË`oH$ ~r_mH$Vm© H$mo {d{Z`_m| H$s A{YgyMZm Ho$ ~mX nhbo {dÎmr` df© _| Ý`yZV_ 5000 _mbdmhH$ dmhZm|,
5000 `mÌr dmhZm| Am¡a 1,000 Q´>¡ŠQ>am| ({d{dY I§S>m|) H$m ~r_m H$aZm hmoJm&
166 Annual Report 2023-24AZw~§Y 4
01 Aà¡b 2023 go 31 _mM© 2024 VH$ Omar n[anÌ/AmXoe/{Xem{ZX}e/{ZX}e
H«$.g§. g§X^© g§»`m {d^mJ VmarI OmZH$mar àH$ma {df`
1 AmB©AmaS>rEAmB©/E\$AmB©/ {dÎm Am¡a {Zdoe 05-04-2023 n[anÌ AmB©AmaS>rEAmB©(OrdZ
grAmB©Ama/B©AmoE_/84/4/2023 ~r_m ì`dgm` H$aZodmbo ~r_mH$Vm©Am|
Ho$ à~§Y ì``) {d{Z`_, 2023
- ñnï>rH$aU
2 AmB©AmaS>rEAmB©/AmB©AmB©S>r/ ~r_m g_mdoeZ 19-04-23 n[anÌ S>ãë`yE_S>r `yEnrE ZmoS>b
grAmB©Ama/{d{dY/86/4/2023 Am¡a {dH$mg A{YH$mar na n[anÌ
3 AmB©AmaS>rEAmB©/E\$AmB©/ {dÎm Am¡a {Zdoe 24-04-23 n[anÌ ^maVr` ~r_m H$§nZr H$o nO§ rH$aU g~§ Y§ r
grAmB©Ama/AmaAmB©gr/90/4/2023 _mñQ>a n[anÌ, 2023
4 AmB©AmaS>rEAmB©/bmB\$/grAmB©Ama/ OrdZ 03-05-23 n[anÌ H«o${S>Q> H$mS©> Ho$ _mÜ`_ go ~r_m nm°{bgr
{d{dY/99/5/2023 na {bE JE F$U Ho$ MwH$m¡Vr H$s gw{dYm
H$mo amoH$Zo Ho$ AZwXoe
5 AmB©AmaS>rEAmB©/EMEbQ>r/ ñdmñÏ` 10-05-23 n[anÌ gamoJogr A{Y{Z`_ 2021 Am¡a EAmaQ>r
grAmB©Ama/nrAmaAmo/01/05/2023 A{Y{Z`_ 2021 VWm CZHo$ AYrZ
g§~§{YV {Z`_
6 AmB©AmaS>rEAmB©/EZEb/grAmB©Ama/ J¡a-OrdZ 15-05-23 n[anÌ à{V^y ~r_m {Xem{ZX}em| H$m AmemoYZ
EgAmB©gr/104/5/2023
7 AmB©AmaS>rEAmB©/AmB©EZQ>r/ _Ü`dVu 19-05-23 n[anÌ EZAmogr, AmaAmogr H$s
grAmB©Ama/{d{dY/108/5/2023 Anojm AWdm AÝ` g§~§{YV gyMZm Ho$
{bE nÌ-ì`dhma Ho$ EH$b ñWmZ Ho$
ê$n _| g_{n©V B©-_ob AmB©S>r
8 AmB©AmaS>rEAmB©/E\$AmB©/ {dÎm Am¡a {Zdoe 05-06-23 n[anÌ amï´>r` Adg§aMZm
grAmB©Ama/AmB©EZdr/121/6/2023 {dÎmnmofU Am¡a {dH$mg ~¢H$
(EZE~rE\$AmB©S>r) _| {Zdoe
9 AmB©AmaS>rEAmB©/EZEb/grAmB©Ama/ J¡a-OrdZ 05-06-23 n[anÌ ~mbmgmao _ |K{Q>V abo XKþ Q© >Zm H$o nr{S>Vm|
OrS>rEb/122/6/2023 Ho$ ~r_m Xmdm| Ho$ {ZnQ>mZ g§~§Yr n[anÌ
10 AmB©AmaS>rEAmB©/EMEbQ>r/ ñdmñÏ` 08-06-23 n[anÌ àñVmdH$m| H$s E~rEME (Am^m) g§»`m
grAmB©Ama/{d{dY/123/6/2023 àmá H$aZo Ho$ {bE gw{dYm H$m {Z_m©U
11 AmB©AmaS>rEAmB©/EMEbQ>r/ ñdmñÏ` 08-06-23 n[anÌ ñdmñÏ` Xmdm {d{Z_` (EMgrEŠg)
grAmB©Ama/{d{dY/124/6/2023 {d{e{ï>`m| Am¡a B©-Xmdm _mZH$m| H$m
narjU Am¡a A§JrH$aU
12 AmB©AmaS>rEAmB©/AmB©EZQ>r/ _Ü`dVu 13-06-23 n[anÌ A{V[aº$ n[anÌm|š{Xem{ZX}em|šñnï>rH$aUm|
grAmB©Ama/{d{dY/129/6/2023 Am{X H$m {ZagZ
13 AmB©AmaS>rEAmB©/EZEb/grAmB©Ama/ J¡a-OrdZ 16-06-23 n[anÌ MH«$dmV {~naOm` go g§~§{YV ~r_m Xmdo
{d{dY/133/6/2023
14 AmB©AmaS>rEAmB©/EgrQ>rEb/ ~r_m§{H$H$ 19-06-23 n[anÌ OrdZ ~r_m CËnmXm| Ho$ {bE `yO Am¡a
grAmB©Ama/nrAmaAmo/135/6/2023 \$mBb à{H«$`m
15 AmB©AmaS>rEAmB©/bmB\$/ OrdZ 26-06-23 n[anÌ gamJo go r A{Y{Z`_, 2021 Ama¡ EAmaQ>r
grAmB©Ama/nrAmaAmo/138/6/2023 A{Y{Z`_, 2021 VWm CZHo$ AYrZ
g§~§{YV {Z`_
16 AmB©AmaS>rEAmB©/E\$AmB©/ {dÎm Am¡a {Zdoe 27-06-23 n[anÌ d¡H$pënH$ {Zdoe {Z{Y (EAmB©E\$) _|
grAmB©Ama/AmB©EZdr/139/6/2023 {Zdoem| H$s {ZJamZr
Annual Report 2023-24 167Omar... AZw~§Y 4
01 Aà¡b 2023 go 31 _mM© 2024 VH$ Omar n[anÌ/AmXoe/{Xem{ZX}e/{ZX}e
H«$.g§. g§X^© g§»`m {d^mJ VmarI OmZH$mar àH$ma {df`
17 AmB©AmaS>rEAmB©/EZEb/nrEZQ>r/ J¡a-OrdZ 28-06-23 gmd©O{ZH$ Zmo{Q>g ^maVr` H$mo-Amnao{Q>d OZab B§í`moa|g
{d{dY/140/6/2023 {b{_Q>oS> na OZgmYmaU H$mo MoVmdZr
18 AmB©AmaS>rEAmB©/EZEb/grAmB©Ama/ J¡a-OrdZ 17-07-23 n[anÌ {h_mMb, nO§ m~, h[a`mUm d {X„r jÌo m|
{d{dY/146/7/2023 _| ~m‹T> go g§~§{YV ~r_m Xmdo
19 AmB©AmaS>rEAmB©/E\$AmB©/ {dÎm Am¡a {Zdoe 04-08-23 n[anÌ EMS>rE\$gr ~¢H$ {b. Ho$ gmW {db`
grAmB©Ama/AmB©EZdr/155/8/2023 H$o ~mX EMS>rE\$gr {b. _ |~r_mH$VmA© m|
Ho$ {Zdoem| Ho$ {bE Ny>Q>
20 AmB©AmaS>rEAmB©/Ama~rgr/ OmopI_ AmYm[aV ny§Or 09-08-23 n[anÌ ^maVr` OmopI_ AmYm[aV ny±OrJV T>m±Mo
grAmB©Ama/E_E_/158/8/2023 (Ama~rgr) Ho$ g§~§Y _| VH$ZrH$s _mJ©Xe©Z -
_mÌmË_H$ à^md AÜ``Z-1
21 AmB©AmaS>rEAmB©/EZEb/nrEZQ>r/ J¡a-OrdZ 22-08-23 gmd©O{ZH$ Zmo{Q>g ñ`w[aQ>r godoZ' Zm_ H$s An§OrH¥$V g§ñWm
{d{dY/160/8/2023 Ho$ gå~ÝY _| OZgmYmaU H$mo MoVmdZr
22 AmB©AmaS>rEAmB©/EZEb/ J¡a-OrdZ 24-08-23 n[anÌ {h_mMb àXoe _| ~m‹T> go g§~§{YV ~r_m
grAmB©Ama/{d{dY/161/8/2023 Xmdo
23 AmB©AmaS>rEAmB©/nrnrOrAma/ nm°{bgrYmaH$m| H$s gwajm 15-09-23 n[anÌ A`m{MV dm{UpÁ`H$ g§Mma Ho$ OmopI_
grAmB©Ama/{d{dY/164/8/2023 Am¡a {eH$m`V {ZdmaU H$mo {Z`§{ÌV H$aZo Ho$ {bE
Q>rAmaEAmB© go {ZXoe
24 AmB©AmaS>rEAmB©/EgrQ>rEb/ ~r_m§{H$H$ 31-08-23 n[anÌ OrdZ ~r_mH$VmA© m |H$o àË`mh[aV CËnmXm|
grAmB©Ama/nrAmaAmo/166/8/2023 Ho$ {bE AZw_V AmemoYZ
25 AmB©AmaS>rEAmB©/bmB\$/grAmB©Ama/ OrdZ 09-10-23 n[anÌ AmB©AmaS>rEAmB© ~r_m dmhH$
OrS>rEb/174/10/2023 {Xem{ZX}e, 2023
26 AmB©AmaS>rEAmB©/AmB©AmB©S>r/ ~r_m g_mdoeZ Am¡a 09-10-23 n[anÌ S>ãë`yE_S>r A{Y{Z`_, 2005 H$s Ymam
grAmB©Ama/{d{dY/175/10/2023 {dH$mg 12E H$o H$m`mÝ©d`Z H$s à{H$«`m na n[anÌ
_| g§emoYZ
27 AmB©AmaS>rEAmB©/EZEb/ J¡a-OrdZ 09-10-23 n[anÌ ì`mnma F$U ~r_m {Xem{ZX}e, 2021
grAmB©Ama/OrS>rEb/176/10/2023 - {Xem{ZX}e 5.3H$ H$m AmemoYZ -
Q>rAmaB©S>rEg ßboQ>\$m_m] na à{VdVu
\¡$ŠQ>[a¨J H$s AZw_{V XoZm
28 AmB©AmaS>rEAmB©/AmB©AmB©S>r/ ~r_m g_mdoeZ Am¡a 10-10-23 {Xem-{ZX}e YZ-emoYZ {ZdmaU š AmV§H$dmX Ho$
OrS>rEb/{d{dY/177/10/2023 {dH$mg {dÎmnmofU H$m _wH$m~bm H$aZo g§~§Yr
_mñQ>a {Xem{ZX}em| H$m g§emoYZ
29 AmB©AmaS>rEAmB©/EZEb/ J¡a-OrdZ 13-10-23 n[anÌ {ZOr H$ma nm{bgr _| EH$ A§V{Z©{hV
grAmB©Ama/_moQ>a/178/10/2023 H$daoO Ho$ ê$n _| AmB©E_Q>r-29 Ho$
A§VJ©V H$daoO, àr{_`_ Ho$ ^wJVmZ H$mo
A{Zdm`© ~ZmZm
30 AmB©AmaS>rEAmB©/EbOrEb/ H$mZyZr 25-10-23 AmXoe nm°{bgr eãXm| Ho$ {bE ñnï> ^mfm hoVw
AmoAmaS>r/grE_Q>r/187/10/2023 g{_{V
31 AmB©AmaS>rEAmB©/EZEb/grAmB©Ama/ J¡a-OrdZ 27-10-23 n[anÌ gmYmaU ~r_m nm{b{g`m| _| {ddmMZ
{d{dY/188/10/2023 I§S> H$m g§emoYZ
32 AmB©AmaS>rEAmB©/nrnrOrAma/ nm°{bgrYmaH$m| H$s gwajm 27-10-23 AmXoe ~¢Ho$í`moa|g _mÜ`_ g§~§Yr H$m`©-~b
AmoAmaS>r/grE_Q>r/189/10/2023 Am¡a {eH$m`V {ZdmaU
168 Annual Report 2023-24Omar... AZw~§Y 4
01 Aà¡b 2023 go 31 _mM© 2024 VH$ Omar n[anÌ/AmXoe/{Xem{ZX}e/{ZX}e
H«$.g§. g§X^© g§»`m {d^mJ VmarI OmZH$mar àH$ma {df`
33 AmB©AmaS>rEAmB©/EMEbQ>r/ ñdmñÏ` 30-10-23 n[anÌ J«mhH$ gyMZm nÌH$ H$m g§emoYZ
grAmB©Ama/{d{dY/190/10/2023
34 AmB©AmaS>rEAmB©/AmB©E§S>EQ>r/ B§í`moaQ>oH$ Am¡a g§~Õ 03-11-23 n[anÌ {dÎmr` gyMZm à`moº$m Ho$ ê$n _| boIm
grAmB©Ama/{d{dY/194/11/2023 àm¡Úmo{J{H$`m§ g§J«mhH$ (EE) T>m±Mo _| gh^m{JVm
35 AmB©AmaS>rEAmB©/EZEb/ J¡a-OrdZ 03-11-23 AmXoe nyd© Ho$ àewëH$m| H$mo hQ>mZo Ho$ ~mX bmJy
AmoAmaS>r/S>rQ>rE\$/196/11/2023 ê$naoIm gwPmZo Ho$ {bE H$m`©-~b H$m
JR>Z
36 AmB©AmaS>rEAmB©/AmB©EZQ>r/ _Ü`dVu 24-11-23 n[anÌ ~r_mH$Vm©Am| Am¡a ~r_m Xbmbm| Ûmam
grAmB©Ama/AmB©~r/206/11/2023 Hw$N> {dda{U`m| H$s \$mBqbJ
H$mo g_má H$aZm
37 AmB©AmaS>rEAmB©/EZEb/grAmB©Ama a-OrdZ 11-12-23 n[anÌ MH«$dmV {_Mm¢J go g§~§{YV ~r_m
/{d{dY/215/12/2023 J¡Xmdo
38 AmB©AmaS>rEAmB©/EZEb/grAmB©Ama/ J¡a-OrdZ 18-12-23 n[anÌ MH«$dmV {_Mm¢J Am¡a AZwdVu ^mar
{d{dY/216/12/2023 ~m[ae š ~m‹T> go g§~§{YV ~r_m Xmdo
39 AmB©AmaS>rEAmB©/EZEb/ J¡a-OrdZ 05-01-24 n[anÌ _moQ>a `mZ (g§emoYZ)
grAmB©Ama/_moQ>a/2/1/2024 A{Y{Z`_, 2019 H$mo Ü`mZ _| aIVo
hþE E_AmoAmaQ>rEM A{YgyMZmAm| H$m
AZwnmbZ
40 AmB©AmaS>rEAmB©/E\$AmB©/ {dÎm Am¡a {Zdoe 05-01-24 n[anÌ ~w{Z`mXr g§aMZm H$O©
grAmB©Ama/AmB©EZdr/3/1/2024 {Z{Y`m| _| {Zdoe EZ~rE\$gr
41 AmB©AmaS>rEAmB©/AmaB©AmB©EZ/ nwZ~u_m 05-01-24 n[anÌ A{J_« nZw ~u_m H$m`H© $«_ H$m àñVVw rH$aU
/4/1/2024 grAmB©Ama/AmaAmB©EgE\$
42 AmB©AmaS>rEAmB©/EMEbQ>r/ ñdmñÏ` 31-01-24 n[anÌ ñdmñÏ` ~r_m nm{b{g`m| _|
grAmB©Ama/OrS>rEb/31/1/2024 Am`wf H$daoO XoZo g§~§Yr {Xem{ZX}e
43 AmB©AmaS>rEAmB©/EMEbQ>r/ ñdmñÏ` 31-01-24 n[anÌ {Z`m}½`VmAm| go `wº$
grAmB©Ama/nrAmaAmo ì`{º$`m| (nrS>ãë`yS>r), EMAmB©dršES²g
/32/1/2024 go J«ñV ì`{º$`m|, VWm _mZ{gH$ ~r_mar
go nr{‹S>V ì`{º$`m| Ho$ {bE CËnmX _|
AmemoYZ
44 AmB©AmaS>rEAmB©/ AmB©E\$AmaEg/ 16-02-24 AmXoe ~r_m joÌ _| B§S> EEg š AmB©E\$AmaEg
AmB©E\$AmaEg/AmoAmaS>r/ B§S> EEg Ho$ H$m`m©Ýd`Z na {deofk g{_{V
grE_Q>r/40/2/2024 H$m nwZJ©R>Z
45 AmB©AmaS>rEAmB©/bmB\$/ OrdZ 16-02-24 n[anÌ _mñQ>a n[anÌ nm{bgrYmaH$m |H$s AXmdr
grAmB©Ama/{d{dY/41/2/2024 am{e`m± {XZm§{H$V 17 Zd§~a,
2020 _| AmemoYZ
46 AmB©AmaS>rEAmB©/AmB©EZQ>r/ _Ü`dVu 29-02-24 AmXoe AmB©AmB©AmB©EgEbE Ho$ 14dt n[afX
AmoAmaS>r/{d{dY/47/2/2024 MwZmdm| Ho$ g§MmbZ Ho$ {bE MwZmd
A{YH$mar H$s {Z`w{º$
47 AmB©AmaS>rEAmB©/nrnrOrAma/ nm°{bgrYmaH$m| H$s 28-03-24 n[anÌ nm°{bgrYmaH$m| H$s godm - Mmby {dÎmr`
grAmB©Ama/{d{dY/55/3/2024 gwajm Am¡a {eH$m`V df© 2023-24 Ho$ {bE {deof Cnm`
{ZdmaU
Annual Report 2023-24 169AZw~§Y 5
~r‘m A{Y{Z¶‘, 1938 Am¡a AmB©AmaS>rE A{Y{Z¶‘, 1999 Ho$ VhV
31 ‘mM©, 2024 VH$ ~ZmE JE {Z¶‘
H«$.g§. {d{Z`_ H$m Zm_
1 AmB©AmaS>rE (~r_m gbmhH$ma g{_{V) (~¡R>H$) {d{Z`_, 2000
2 AmB©AmaS>rE ({Z`wº$ ~r_m§H$H$) {d{Z`_, 2000
3 AmB©AmaS>rE (~r_m§H$H$ [anmoQ>© Am¡a gmam§e) {d{Z`_, 2000
4 AmB©AmaS>rE (~r_m EO|Q>m| H$s bmBg|qgJ) {d{Z`_, 2000
5 AmB©AmaS>rE (~r_mH$Vm©Am| H$s g§n{Îm, XoZXm[a`m§ Am¡a emoYZ j_Vm _m{O©Z) {d{Z`_, 2000
6 AmB©AmaS>rE (gmYmaU ~r_m-nwZ~u_m) {d{Z`_, 2000
7 AmB©AmaS>rE (^maVr` ~r_m gbmhH$ma g{_{V) (g§emoYZ), 2000
8 AmB©AmaS>rE (~r_m {dkmnZ Am¡a àH$Q>rH$aU) {d{Z`_, 2000
9 AmB©AmaS>rE (J«m_rU gm_m{OH$ joÌm| Ho$ à{V ~r_mH$Vm©Am| Ho$ Xm{`Ëd) {d{Z`_, 2000
10 AmB©AmaS>rE (~¡R>H|$) {d{Z`_, 2000
11 AmB©AmaS>rE (~r_m H§$n{Z`m| Ho$ {dÎmr` {ddaU Am¡a boIm narjH$m| H$s [anmoQ>© V¡`ma H$aZm) {d{Z`_, 2000
12 AmB©AmaS>rE ({Zdoe) {d{Z`_, 2000
13 AmB©AmaS>rE (A{YH$m[a`m| Am¡a AÝ` H$_©Mm[a`m| H$s godm eV]) {d{Z`_, 2000
14 AmB©AmaS>rE (~r_m gd}jH$ Am¡a hm{Z _yë`m§H$ZH$Vm©-bmBg|qgJ, ì`mdgm{`H$ Amdí`H$VmE§ Am¡a AmMaU g§{hVm) {d{Z`_, 2000
15 AmB©AmaS>rE (OrdZ ~r_m - nwZ~u_m) {d{Z`_, 2000
16 AmB©AmaS>rE ({Zdoe) (g§emoYZ) {d{Z`_, 2001
17 AmB©AmaS>rE (V¥Vr` nj àemgH$-ñdmñÏ` godmE§) {d{Z`_, 2001
18 AmB©AmaS>rE (nwZ~u_m gbmhH$ma g{_{V) {d{Z`_, 2001
19 AmB©AmaS>rE ({Zdoe) (g§emoYZ) {d{Z`_, 2002
20 AmB©AmaS>rE (~r_m H§$n{Z`m| Ho$ {dÎmr` {ddaU Am¡a boIm narjH$m| H$s [anmoQ>© V¡`ma H$aZm) {d{Z`_, 2002
21 AmB©AmaS>rE (nm°{bgrYmaH$m| Ho$ {hVm| H$m g§ajU) {d{Z`_, 2002
22 AmB©AmaS>rE (~r_m ~«moH$g©) {d{Z`_, 2002
23 AmB©AmaS>rE (J«m_rU gm_m{OH$ joÌm| Ho$ à{V ~r_mH$Vm©Am| Ho$ Xm{`Ëd) {d{Z`_, 2002
24 AmB©AmaS>rE (H$m°anmoaoQ> EO|Q>m| H$m bmBg|grH$aU) {d{Z`_, 2002
25 AmB©AmaS>rE (~r_m EO|Q>m| H$m bmBg|grH$aU) (g§emoYZ) {d{Z`_, 2002
26 AmB©AmaS>rE (nm°{bgrYmaH$m| Ho$ {hVm| H$m g§ajU) (g§emoYZ) {d{Z`_, 2002
27 AmB©AmaS>rE (àr{_`_ H$s àm{á H$s {d{Y) {d{Z`_, 2002
28 AmB©AmaS>rE (A{Yeof H$m {dVaU) {d{Z`_, 2002
29 AmB©AmaS>rE (^maVr` ~r_m H§$n{Z`m| H$m n§OrH$aU) (g§emoYZ) {d{Z`_, 2003
30 AmB©AmaS>rE ({Zdoe) (g§emoYZ) {d{Z`_, 2004
31 AmB©AmaS>rE (~r_m§H$H$ H$s `mo½`Vm) {d{Z`_, 2004
32 AmB©AmaS>rE (J«m_rU Am¡a gm_m{OH$ joÌm| Ho$ à{V ~r_mH$Vm©Am| Ho$ Xm{`Ëd) (g§emoYZ) {d{Z`_, 2004
33 AmB©AmaS>rE (gyú_ ~r_m) {d{Z`_, 2005
34 AmB©AmaS>rE (A{YH$m[a`m| Am¡a AÝ` H$_©Mm[a`m| H$s godm eV]) (g§emoYZ) {d{Z`_, 2005
35 AmB©AmaS>rE (J«m_rU `m gm_m{OH$ joÌm| Ho$ {bE ~r_mH$Vm©Am| H$m Xm{`Ëd) (g§emoYZ) {d{Z`_, 2005
36 AmB©AmaS>rE (~r_m EO|Q>m| H$s bmBg|grH$aU) (g§emoYZ) {d{Z`_, 2007
170 Annual Report 2023-24Omar.... AZw~§Y 5
~r‘m A{Y{Z¶‘, 1938 Am¡a AmB©AmaS>rE A{Y{Z¶‘, 1999 Ho$ VhV
31 ‘mM©, 2024 VH$ ~ZmE JE {Z¶‘
H«$.g§. {d{Z`_ H$m Zm_
37 AmB©AmaS>rE (H$m°nm}aoQ> EO|Q>m| H$s bmBg|grH$aU) (g§emoYZ) {d{Z`_, 2007
38 AmB©AmaS>rE (~r_m ~«moH$g©) (g§emoYZ) {d{Z`_, 2007
39 AmB©AmaS>rE (J«m_rU `m gm_m{OH$ joÌm| Ho$ {bE ~r_mH$Vm©Am| H$m Xm{`Ëd) (Vrgam g§emoYZ) {d{Z`_, 2008
40 AmB©AmaS>rE (J«m_rU `m gm_m{OH$ joÌm| Ho$ {bE ~r_mH$Vm©Am| H$m Xm{`Ëd) (Mm¡Wm g§emoYZ) {d{Z`_, 2008
41 AmB©AmaS>rE (^maVr` ~r_m H§$n{Z`m| H$m n§OrH$aU) (Xÿgam g§emoYZ) {d{Z`_, 2008
42 AmB©AmaS>rE (A{YH$m[a`m| Am¡a AÝ` H$_©Mm[a`m| H$s godm H$s eV]) (g§emoYZ) {d{Z`_, 2008
43 AmB©AmaS>rE ({Zdoe) (Mm¡Wm g§emoYZ) {d{Z`_, 2008
44 AmB©AmaS>rE (~r_m CËnmXm| Ho$ {bE Am§H$‹S>m H$mof H$m AmXmZ-àXmZ) {d{Z`_, 2010
45 AmB©AmaS>rE (d¡YVm-Ad{Y g_m{á g§~§Yr ~r_m nm°{bgr AmMaU) {d{Z`_, 2010
46 AmB©AmaS>rE (~r_m {dkmnZ Am¡a àH$Q>rH$aU) (g§emoYZ) {d{Z`_, 2010
47 AmB©AmaS>rE (H$m°nm}aoQ> EO|Q>m| H$s bmBg|qgJ) (g§emoYZ) {d{Z`_, 2010
48 AmB©AmaS>rE (gmYmaU ~r_m H$mamoJma Ho$ g_m_obZ Am¡a A§VaU H$s `moOZm) 2011
49 AmB©AmaS>rE (OrdZ ~r_m H§$n{Z`m| Ûmam ny§Or {ZJ©_) {d{Z`_, 2011
50 AmB©AmaS>rE (^maVr` ~r_m H§$n{Z`m| H$m n§OrH$aU) (Vrgam g§emoYZ) {d{Z`_, 2012
51 AmB©AmaS>rE (~r_m gbmhH$ma g{_{V (~¡R>H|$) (nhbm g§emoYZ) {d{Z`_, 2012
52 AmB©AmaS>rE (Kaoby `m {dXoer BH$mB© go g§~§{YV JmonZr` OmZH$mar gmPm H$aZm) {d{Z`_, 2012
53 AmB©AmaS>rE (^maVr` ~r_m H§$n{Z`m| H$m n§OrH$aU) (Mm¡Wm g§emoYZ) {d{Z`_, 2013
54 AmB©AmaS>rE ({Z`wº$ ~r_m§H$H$) (nhbm g§emoYZ) {d{Z`_, 2013
55 AmB©AmaS>rE (gmYmaU ~r_m - nwZ~u_m) {d{Z`_, 2013
56 AmB©AmaS>rE (~r_m ~«moH$g©) (Xÿgam g§emoYZ) {d{Z`_, 2013
57 AmB©AmaS>rE (OrdZ ~r_m ì`dgm` Ho$ g_m_obZ Am¡a A§VaU H$s ñH$s_ ) {d{Z`_, 2013
58 AmB©AmaS>rE (V¥Vr` nj àemgH$-ñdmñÏ` godmE§) (nhbm g§emoYZ) {d{Z`_, 2013
59 AmB©AmaS>rE (OrdZ ~r_m Ho$ {bE _mZH$ àñVmd ànÌ) {d{Z`_, 2013
60 AmB©AmaS>rE (ì`mnma ñWb) {d{Z`_, 2013
61 AmB©AmaS>rE (gmYmaU ~r_m H§$n{Z`m| Ûmam Omar H$s JB© ny±Or) {d{Z`_, 2013
62 AmB©AmaS>rE (Ag§~Õ ~r_m CËnmX) {d{Z`_, 2013
63 AmB©AmaS>rE (ñdmñÏ` ~r_m) {d{Z`_, 2013
64 AmB©AmaS>rE (g§~Õ ~r_m CËnmX) {d{Z`_, 2013
65 AmB©AmaS>rE ({Zdoe) (nm§Mdm§ g§emoYZ) {d{Z`_, 2013
66 AmB©AmaS>rE (OrdZ ~r_m - nwZ~u_m) {d{Z`_, 2013
67 AmB©AmaS>rE (~r_m gd}jH$ Am¡a hm{Z {ZYm©aH$ - bmBg|grH$aU, ì`mdgm{`H$ AnojmE± Am¡a AmMaU g§{hVm)
(Xÿgam g§emoYZ) {d{Z`_, 2013
68 AmB©AmaS>rE (~r_m Xbmbmo Ho$ ê$n _| ~¢H$m| H$mo bmBg|grH$aU) {d{Z`_, 2013
69 AmB©AmaS>rE (do~ g§J«mhH$) {d{Z`_, 2013
70 AmB©AmaS>rE (~¡R>H|$) (nhbm g§emoYZ) {d{Z`_, 2013
71 AmB©AmaS>rE AmB©Egr (~¡R>H|$) (Xÿgam g§emoYZ) {d{Z`_, 2013
Annual Report 2023-24 171Omar.... AZw~§Y 5
~r‘m A{Y{Z¶‘, 1938 Am¡a AmB©AmaS>rE A{Y{Z¶‘, 1999 Ho$ VhV
31 ‘mM©, 2024 VH$ ~ZmE JE {Z¶‘
H«$.g§. {d{Z`_ H$m Zm_
72 AmB©AmaS>rE (~r_m ~«moH$g©) {d{Z`_, 2013
73 AmB©AmaS>rE (AÝ` nj ñdmñÏ`-godmE± ) (Xÿgam g§emoYZ) {d{Z`_, 2013
74 AmB©AmaS>rE (^maVr` ~r_m H§$n{Z`m| H$m n§OrH$aU) (nm§Mdm§ g§emoYZ) {d{Z`_, 2013
75 AmB©AmaS>rE (~r_m EO|Q>m| H$m bmBg|grH$aU) (g§emoYZ) {d{Z`_ 2013
76 AmB©AmaS>rE (~r_m gd}jH$ Am¡a hm{Z _yë`m§H$ZH$Vm©- bmBg|qgJ, ì`mdgm{`H$ Amdí`H$VmE§ Am¡a A§MaU g§{hVm)
(Xÿgam g§emoYZ) {d{Z`_, 2013
77 AmB©AmaS>rE (A{YH$m[a`m| Am¡a AÝ` H$_©Mm[a`m| H$s godm H$s eV]) (Vrgam g§emoYZ) {d{Z`_, 2014
78 AmB©AmaS>rE (^maVr` ~r_m H§$n{Z`m| H$m n§OrH$aU) (N>R>m g§emoYZ) {d{Z`_, 2014
79 AmB©AmaS>rE (ñdmñÏ` ~r_m) (nhbm g§emoYZ) {d{Z`_, 2014
80 AmB©AmaS>rEAmB© (~r_m {dnUZ \$_© H$m n§OrH$aU) {d{Z`_, 2015
81 AmB©AmaS>rEAmB© (gyú_ ~r_m) {d{Z`_, 2015
82 AmB©AmaS>rEAmB© (~r_m H§$n{Z`m| Ho$ B{¹$Q>r eo`am| H$m A§VaU) {d{Z`_, 2015
83 AmB©AmaS>rEAmB© (Zm_m§H$Z Ho$ aÔH$aU AWdm n[adV©Z H$mo n§OrH¥$V H$aZo Ho$ {bE ewëH$) {d{Z`_, 2015
84 AmB©AmaS>rEAmB© ({Z`w{º$ `m ñWmZm§VaU H$s gyMZm H$s àm{á H$s {bpIV nmdVr XoZo Ho$ {bE ewëH$) {d{Z`_, 2015
85 AmB©AmaS>rEAmB© (_moQ>a V¥Vr` nj ~r_m ì`dgm` Ho$ g§~§Y _| ~r_mH$Vm© H$m Xm{`Ëd) {d{Z`_, 2015
86 AmB©AmaS>rEAmB© (ì`mnma ñWb) {d{Z`_, 2015
87 AmB©AmaS>rEAmB© (~r_m boIm| H$m AZwajU) {d{Z`_, 2015
88 AmB©AmaS>rEAmB© (H$m°nm}aoQ> EO|Q>m| H$m n§OrH$aU) {d{Z`_, 2015
89 AmB©AmaS>rEAmB© (J«m_rU Am¡a gm_m{OH$ joÌm| Ho$ à{V ~r_mH$Vm©Am| Ho$ Xm{`Ëd) {d{Z`_, 2015
90 AmB©AmaS>rEAmB© (dm{f©{H$`m| Am¡a AÝ` bm^m| Ho$ {bE Ý`yZV_ gr_mE±) {d{Z`_, 2015
91 AmB©AmaS>rEAmB© (Aä`nU© Am¡a àXÎm _yë`m| H$m A{YJ«hU) {d{Z`_, 2015
92 AmB©AmaS>rEAmB© (gm_mÝ` godm H|$Ðm| Ûmam ~r_m gr_mE±) {d{Z`_, 2015
93 AmB©AmaS>rEAmB© (bm°`S> Ho$ Abmdm {dXoer nwZ~u_mH$Vm©Am| Ho$ emIm H$m`m©b`m| H$m n§OrH$aU Am¡a g§MmbZ) {d{Z`_, 2015
94 AmB©AmaS>rEAmB© (~r_m gd}jH$ Am¡a hm{Z {ZYm©aH$) {d{Z`_, 2015
95 AmB©AmaS>rEAmB© (~r_m {dkmnZ Am¡a àH$Q>rH$aU) (g§emoYZ) {d{Z`_, 2015
96 AmB©AmaS>rEAmB© (AÝ` àH$ma H$s ny±Or) {d{Z`_, 2015
97 AmB©AmaS>rEAmB© (OrdZ ~r_m ì`dgm` H$mo N>mo‹S>H$a AÝ` ì`dmg` H$aZo dmbr ^maVr` ~r_m H§$n{Z`m| Ûmam ny±Or {ZJ©_) {d{Z`_, 2015
98 AmB©AmaS>rEAmB© (OrdZ ~r_m ì`dmg` H$aZo dmbr ^maVr` ~r_m H§$n{Z`m| Ûmam ny±Or {ZJ©_) {d{Z`_, 2015
99 AmB©AmaS>rEAmB© (bm°`S> Ho$ Abmdm {dXoer nwZ~u_mH$Vm©Am| Ho$ emIm H$m`m©b`m| H$m n§OrH$aU Am¡a g§MmbZ)
(nhbm g§emoYZ) {d{Z`_, 2016
100 AmB©AmaS>rEAmB© ({dda{U`m| H$m {ZarjU Am¡a à{V`mo H$s Amny{V© Ho$ {bE ewëH$) {d{Z`_, 2015
101 AmB©AmaS>rEAmB© (^maVr` ~r_m H§$n{Z`m| H$m n§OrH$aU) (gmVdm§ g§emoYZ) {d{Z`_, 2016
102 AmB©AmaS>rEAmB© (bm°`S²g B§{S>`m) {d{Z`_, 2016
103 AmB©AmaS>rEAmB© (V¥Vr` nj - ñdmñÏ` godmE§) {d{Z`_, 2016
104 AmB©AmaS>rEAmB© (gmYmaU ~r_m ì`dgm` H$s AmpñV`m±, Xo`VmE± Am¡a F¥$U emoYZ j_Vm _m{O©Z) {d{Z`_, 2016
105 AmB©AmaS>rEAmB© (~r_m§H$H$ H$s `mo½`Vm) ({ZagZ) {d{Z`_, 2016
172 Annual Report 2023-24Omar.... AZw~§Y 5
~r‘m A{Y{Z¶‘, 1938 Am¡a AmB©AmaS>rE A{Y{Z¶‘, 1999 Ho$ VhV
31 ‘mM©, 2024 VH$ ~ZmE JE {Z¶‘
H«$.g§. {d{Z`_ H$m Zm_
106 AmB©AmaS>rEAmB© (OrdZ ~r_m ì`dgm` H$s AmpñV`m±, Xo`VmE± Am¡a emoYZ j_Vm gr_m) {d{Z`_, 2016
107 AmB©AmaS>rEAmB© (OrdZ ~r_m ì`dgm` Ho$ {bE ~r_m§{H$H$ [anmoQ>© Am¡a gmam§e) {d{Z`_, 2016
108 AmB©AmaS>rEAmB© (~r_m A{^H$Vm©Am| H$s {Z`w{º$) {d{Z`_, 2016
109 AmB©AmaS>rEAmB© (gmYmaU AWdm ñdmñÏ` ~r_m ì`dgm` H$aZo dmbo ~r_mH$Vm©Am| Ho$ à~§Y ì``) {d{Z`_, 2016
110 AmB©AmaS>rEAmB© (~r_mH$Vm©Am| Ho$ nyU©H$m{bH$ H$_©Mm[a`m| H$mo F$U AWdm AñWm`r A{J«_) {d{Z`_, 2016
111 AmB©AmaS>rEAmB© (OrdZ ~r_m ì`dgm` H$aZo dmbo ~r_mH$Vm©Am| Ho$ à~§Y ì``) {d{Z`_, 2016
112 AmB©AmaS>rEAmB© (gmYmaU ~r_m - nwZ~u_m) {d{Z`_, 2016
113 AmB©AmaS>rEAmB© (B©-~r_m nm°{bgr {ZJ©_Z) {d{Z`_, 2016
114 AmB©AmaS>rEAmB© (ñdmñÏ` ~r_m) {d{Z`_, 2016
115 AmB©AmaS>rEAmB© (^maVr` ~r_m H§$n{Z`m| H$m n§OrH$aU) (AmR>dm§ g§emoYZ) {d{Z`_, 2016
116 AmB©AmaS>rEAmB© H$_©Mmar (A{YH$mar Am¡a AÝ` H$_©Mmar) {d{Z`_, 2016
117 AmB©AmaS>rEAmB© ({Zdoe) {d{Z`_, 2016
118 AmB©AmaS>rEAmB© (B©-~r_m nm°{bgr {ZJ©_Z) (nhbm g§emoYZ) {d{Z`_, 2016
119 AmB©AmaS>rEAmB© (bm°`S> Ho$ Abmdm {dXoer nwZ~u_mH$Vm©Am| Ho$ emIm H$m`m©b`m| H$m n§OrH$aU Am¡a g§MmbZ)
(Xÿgam g§emoYZ) {d{Z`_, 2016
120 AmB©AmaS>rEAmB© (~r_m EO|Q>m| Am¡a ~r_m _Ü`ñWm| H$mo Am`moJ `m nm[al{_H$ `m nwañH$ma H$m ^wJVmZ) {d{Z`_, 2016
121 AmB©AmaS>rEAmB© (~r_m {dnUZ \$_© H$m n§OrH$aU) (nhbm g§emoYZ) {d{Z`_, 2016
122 AmB©AmaS>rEAmB© (~r_m EO|Q>m| Am¡a ~r_m _Ü`d{V©`m| H$mo H$_reZ AWdm nm[al{_H$ AWdm à{V\$b H$m ^wJVmZ)
(nhbm g§emoYZ) {d{Z`_, 2017
123 AmB©AmaS>rEAmB© (~r_m do~ g§J«mhH$) {d{Z`_, 2017
124 AmB©AmaS>rEAmB© (^maVr` ~r_mH$Vm©Am| Ûmam H$m`©H$bmnm| H$m ~møòmoVrH$aU) {d{Z`_, 2017
125 AmB©AmaS>rEAmB© ({Z`wº$ ~r_m§H$H$) {d{Z`_, 2017
126 AmB©AmaS>rEAmB© (~r_m gd}jH$ Am¡a hm{Z {ZYm©aH$) (nhbm g§emoYZ) {d{Z`_, 2017
127 AmB©AmaS>rEAmB© (nm{bgrYmaH$m| Ho$ {hVm| H$m g§ajU) {d{Z`_, 2017
128 AmB©AmaS>rEAmB© (~r_m EO|Q>m| Am¡a ~r_m _Ü`d{V©`m| H$mo H$_reZ AWdm nm[al{_H$ AWdm à{V\$b H$m ^wJVmZ)
(Xÿgam g§emoYZ) {d{Z`_, 2017
129 AmB©AmaS>rEAmB© (~r_m Xbmb) {d{Z`_, 2018
130 AmB©AmaS>rEAmB© (OrdZ ~r_m Ho$ {bE _mZH$ àñVmd \$m_©) ({ZagZ) {d{Z`_, 2018
131 AmB©AmaS>rEAmB© (nwZ~u_m) {d{Z`_, 2018
132 AmB©AmaS>rEAmB© (~r_m Xbmb) (nhbm g§emoYZ) {d{Z`_, 2018
133 AmB©AmaS>rEAmB© ({Z`wº$ ~r_m§H$H$) (g§emoYZ) {d{Z`_, 2019
134 AmB©AmaS>rEAmB© (`y{ZQ> g§~Õ ~r_m CËnmX) {d{Z`_, 2019
135 AmB©AmaS>rEAmB© (Ag§~Õ ~r_m CËnmX) {d{Z`_, 2019
136 AmB©AmaS>rEAmB©(~r_m {dnUZ \$_© H$m a{OñQ´>rH$aU) (g§emoYZ) {d{Z`_, 2019
137 AmB©AmaS>rEAmB© (nwZ~u_m gbmhH$ma g{_{V) {d{Z`_, 2019
138 AmB©AmaS>rEAmB© ({d{Z`m_H$ g¢S>~m°Šg) {d{Z`_, 2019
Annual Report 2023-24 173Omar.... AZw~§Y 5
~r‘m A{Y{Z¶‘, 1938 Am¡a AmB©AmaS>rE A{Y{Z¶‘, 1999 Ho$ VhV
31 ‘mM©, 2024 VH$ ~ZmE JE {Z¶‘
H«$.g§. {d{Z`_ H$m Zm_
139 AmB©AmaS>rEAmB© (gm_mÝ` bmoH$ godm H|$Ð) {d{Z`_, 2019
140 AmB©AmaS>rEAmB© (~r_m _Ü`dVu) (g§emoYZ) {d{Z`_, 2019
141 AmB©AmaS>rEAmB© (ñdmñÏ` ~r_m) (g§emoYZ) {d{Z`_, 2019
142 AmB©AmaS>rEAmB© (V¥Vr` nj àemgH$ - ñdmñÏ` godmE§) (g§emoYZ) {d{Z`_, 2019
143 AmB©AmaS>rEAmB© (Om±M Am¡a {ZarjU Ho$ {bE Amdí`H$ Ý`yZV_ OmZH$mar) {d{Z`_, 2020
144 AmB©AmaS>rEAmB© (~r_m gd}jH$ Am¡a hm{Z _yë`m§H$ZH$Vm©) (g§emoYZ) {d{Z`_, 2020
145 AmB©AmaS>rEAmB© ({d{Z`m_H$ g¢S>~m°Šg) (g§emoYZ) {d{Z`_, 2021
146 AmB©AmaS>rEAmB© (~r_m {dkmnZ Am¡a àH$Q>rH$aU) {d{Z`_, 2021
147 AmB©AmaS>rEAmB© (eo`aYmaH$m| `m gXñ`m| H$mo g_m_obZ na _wAmdOo Ho$ AmH$bZ H$m VarH$m) {d{Z`_, 2021
148 AmB©AmaS>rEAmB© ({dÎmr` {ddaU V¡`ma H$aZm Am¡a ~r_m H§$n{Z`m| H$s boIm narjH$ H$s [anmoQ>©) (nhbm g§emoYZ) {d{Z`_, 2021
149 AmB©AmaS>rEAmB© (^maVr` ~r_m H§$n{Z`m§) (g§emoYZ) {d{Z`_, 2021
150 AmB©AmaS>rEAmB© (OrdZ ~r_m ì`dgm` Ho$ {bE ~r_m§H$H$ [anmoQ>© Am¡a gmam§e) (g§emoYZ) {d{Z`_, 2022
151 AmB©AmaS>rEAmB© ({Z`wº$ ~r_m§H$H$) {d{Z`_, 2022
152 AmB©AmaS>rEAmB© (gmYmaU ~r_m ì`dgm` H$s ApñV`m±, Xo`VmE± Am¡a emoYZ - j_Vm _m{O©Z) {d{Z`_, 2022
153 AmB©AmaS>rEAmB© (AÝ` àH$ma H$s ny±Or) {d{Z`_, 2022
154 AmB©AmaS>rEAmB© ({d{Z`m_H$ g¢S>~m°Šg) (g§emoYZ) {d{Z`_ 2022
155 AmB©AmaS>rEAmB© (^maVr` ~r_m H§$n{Z`m| H$m n§OrH$aU) {d{Z`_, 2022
156 AmB©AmaS>rEAmB© (~r_m _Ü`ñW) (g§emoYZ) {d{Z`_, 2022
157 AmB©AmaS>rEAmB© (gmYmaU AWdm ñdmñÏ` ~r_m ì`dgm` H$aZo dmbo ~r_mH$Vm©Am| Ho$ à~§Y ì``) {d{Z`_, 2023
158 AmB©AmaS>rEAmB© (OrdZ ~r_m ì`dgm` H$aZodmbo ~r_mH$Vm©Am| Ho$ à~§Y ì``) {d{Z`_, 2023
159 AmB©AmaS>rEAmB© (H$_reZ H$m ^wJVmZ) {d{Z`_, 2023
160 AmB©AmaS>rEAmB© (nwZ~u_m) (g§emoYZ) {d{Z`_, 2023
161 AmB©AmaS>rEAmB© (H$_reZ g{hV, ~r_mH$Vm©Am| Ho$ à~§YZ-ì``) {d{Z`_, 2024
162 AmB©AmaS>rEAmB© (J«m_rU, gm_m{OH$ joÌ Am¡a _moQ>a AÝ` nj Xm{`Ëd) {d{Z`_, 2024
163 AmB©AmaS>rEAmB© (~r_m gwJ_ ~r_m BboŠQ´>m{ZH$ ~mOma ñWmZ) {d{Z`_, 2024
164 AmB©AmaS>rEAmB©(^maVr` ~r_m H§$n{Z`m| H$m n§OrH$aU, ny±Or {dÝ`mg, eo`am| H$m A§VaU Am¡a g_m_obZ) {d{Z`_ 2024
165 AmB©AmaS>rEAmB© (~r_mH$Vm©Am| Ho$ {bE H§$nZr A{^emgZ) {d{Z`_, 2024
166 AmB©AmaS>rEAmB© (~r_m CËnmX) {d{Z`_, 2024
167 AmB©AmaS>rEAmB© (E\$Ama~r Am¡a bm°`S²g B§{S>`m H$m n§OrH$aU Am¡a n[aMmbZ) {d{Z`_, 2024
168 AmB©AmaS>rEAmB© (~r_mH$Vm©Am| Ho$ ~r_m§{H$H$, {dÎm Am¡a {Zdoe H$m`©) {d{Z`_, 2024
169 AmB©AmaS>rEAmB© (nm{bgrYmaH$m| Ho$ {hVm| H$m g§ajU, ~r_mH$Vm©Am| Ho$ n[aMmbZ Am¡a g§~Õ H$m`©) {d{Z`_, 2024
{Q>ßnUr: ^maV Ho$ amOnÌ _| A{Ygy{MV
^^ 31 _mM©, 2024 VH$ H$s pñW{V
174 Annual Report 2023-24AZw~§Y 6
OrdZ ~r_m H§$n{Z`m| Ûmam noe {H$E OmZo dmbo gyú_ ~r_m CËnmXm| H$s gyMr
(31 _mM© 2024 VH$)
H«$.g§. ~r_m H§$nZr d¡`{º$H$ _mBH«$mo CËnmX g_yh _mBH«$mo CËnmX
1 ^maVr` OrdZ ~r_m {ZJ_ EbAmB©gr H$s ^m½` bú_r EbAmB©gr H$s EH$ dfu` ZdrH$aUr` g_yh _mBH«$mo
EbAmB©gr H$m Z`m OrdZ _§Jb Q>_© Eí`moa|g `moOZm
EbAmB©gr H$s _mBH«$mo ~MV
2 EH$mo bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> EH$mo bmB\$ J«wn H«o${S>Q> àmoQ>oŠQ>
3 Am{XË` {~‹S>bm gZbmB\$ B§í`moa|g H§$nZr {b{_Q>oS> E~rEgEbAmB© g_yh ~r_m `moOZm
4 EJm°Z bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> EJm°Z bmB\$ J«wn _mBH«$mo B§í`moa|g ßbmZ
EJm°Z bmB\$ J«wn Ho$`a _mBH«$mo ~r_m `moOZm
5 E{O`mg \o$S>ab bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> E{O`mg \o$S>ab J«wn _mBH«$moí`moa|g ßbmZ II
6 Adrdm bmB\$ B§í`moa|g H§$nZr B§{S>`m {b{_Q>oS> Adrdm J«wn _mBH«$mo ~r_m `moOZm
7 ~OmO Am{b`m§O bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> ~OmO Am{b`m§O bmB\$ J«wn g§nyU© OrdZ gwajm
~OmO Am{b`m§O bmB\$ J«wn g§nyU© gwajm H$dM
8 ^maVr EŠgm bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> ^maVr EŠgm bmB\$ J«m_rU OrdZ ~r_m ^maVr EŠgm bmB\$ J«wn Q>_© _mBH«$mo B§í`moa|g ßbmZ
9 Ho$Zam EMEg~rgrbmB\$ B§í`moa|g H§$nZr {b{_Q>oS> Ho$Zam EMEg~rgr OrdZ ~r_m g§nyU© H$dM `moOZm
10 H«o${S>Q>EŠgog bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> H«o${S>Q>EŠgog g§ajU gyú_ H«o${S>Q>EŠgog ajm H$dM gyú_
H«o${S>Q>EŠgog gwajm gyú_
H«o${S>Q>EŠgog {ZË` g§M` (gyú_ ~r_m CËnmX)
H«o${S>Q>EŠgog J«wn g§ajU gyú_
11 ES>bdmBg Q>mo{H$`mo bmB\$ B§í`moa|g H§$nZr {b. ES>bdmBg OrdZ - ajm H$dM ES>bdmBg bmB\$ - J«m_rU ~r_m
ES>bdmBg bmB\$ - OZ gwajm
12 Jmo {S>{OQ> bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> {S>{OQ> bmB\$ J«wn _mBH«$mo Q>_© B§í`moa|g
13 EMS>rE\$gr bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> EMS>rE\$gr bmB\$ J«wn OrdZ gwajm
EMS>rE\$gr bmB\$ J«wn gwajm
EMS>rE\$gr bmB\$ J«wn _mBH«$mo Q>_© B§í`moa|g
14 AmB©grAmB©grAmB© àyS|>{e`b bmB\$ B§í`moa|g AmB©grAmB©grAmB© ày gd© OZ gwajm AmB©grAmB©grAmB© ày ew^ ajm H«o${S>Q>
H§$nZr {b{_Q>oS> AmB©grAmB©grAmB© ày AZ_mob ~MV AmB©grAmB©grAmB© ày ew^ ajm dZ
AmB©grAmB©grAmB© ày ew^ ajm bmB\$
15 B§{S>`m\$ñQ>© bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> B§{S>`m\$ñQ>© bmB\$ _mBH«$mo ~MV `moOZm B§{S>`m\$ñQ>© bmB\$ J«wn hm°pñnHo$`a ßbmZ
B§{S>`m\$ñQ>© bmB\$ ~r_m ImVm `moOZm B§{S>`m\$ñQ>© bmB\$ J«wn _mBH«$mo B§í`moa|g ßbmZ
16 H$moQ>H$ _{hÝÐm bmB\$ B§í`moa|g {b{_Q>oS>. H$moQ>H$ g§nyU© ~r_m gyú_ ~r_m `moOZm H$moQ>H$ ajm J«wn _mBH«$mo ~r_m `moOZm
17 _¡ŠgbmB\$ B§í`moa|g H§$nZr {b{_Q>oS> _¡Šg bmB\$ J«wn gab gwajm `moOZm (_mBH«$mo ~r_m CËnmX)
18 nrEZ~r _oQ>bmB\$ B§{S>`m B§í`moa|g H§$nZr {b{_Q>oS> nrEZ~r _oQ>bmB\$ ~r_m `moOZm
19 àm_o[aH$m bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> àm_o[aH$m OrdZ g§nyU© gwajm
àm_o[aH$m bmB\$ gd© OZ gwajm
àm_o[aH$m bmB\$ gd© gwajm
20 Eg~rAmB© bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> Eg~rAmB© bmB\$ - J«m_rU ~r_m Eg~rAmB© bmB\$ - J«m_rU gwna gwajm
Eg~rAmB© bmB\$ - J«wn _mBH«$mo erëS> - Egnr
Eg~rAmB© bmB\$ J«wn _mBH«$mo erëS>
21 lram_ bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> lram_ J«m_rU gwajm lram_ OZ ghm`
lram_ bmB\$ gwOmZm
22 Q>mQ>m EAmB©E bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> Q>mQ>m EAmB©E OrdZ ~r_m gmW-gmW Q>mQ>m EAmB©E bmB\$ B§í`moa|g J«wn _mBH«$mo ajm gwàr_
Q>mQ>m EAmB©E bmB\$ B§í`moa|g nrAmoEg gmW-gmW
Q>mQ>m EAmB©E ^maV gwajm H$da _mBH«$mo ~r_m `moOZm
Annual Report 2023-24 175AZw~§Y 7
2023-24 Ho$ Xm¡amZ CËnmXm| Am¡a amBS>g© H$s g§»¶m
H«$. ~r_mH$Vm© H$m Zm_ CËnmXm| Am¡a EoS>-
H«$. CËnmXm |/ amBS>g ©H$s g»§ `m
g§. Am°Z H$s g§»`m
g§. ~r_mH$Vm© H$m Zm_ µ\$mBb Am¡a `yO Am¡a
gmYmaU ñdmñÏ`
`yO µ\$mBb ~r_m ~r_m
1 ^maVr` OrdZ ~r_m {ZJ_ 4 9 gmd©O{ZH$ joÌ
2 EH$mo bmB\$ B§í`moa|g {b{_Q>oS> 0 6 1 ZoeZb B§í`moa|g H§$nZr {b{_Q>oS> 28 8
3 Am{XË` {~‹S>bm gZ bmB\$ B§í`moa|g H$.{b. 3 33 2 Ý`y B§{S>`m Eí`moa|g H§$nZr {b{_Q>oS> 63 11
4 EJm°Z bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 1 5 3 Amo[aE§Q>b B§í`moa|g H§$nZr {b{_Q>oS> 10 2
4 `yZmBQ>oS> B§{S>`m B§í`moa|g H§$nZr {b{_Q>oS> 22 3
5 E{O`mg \o$S>ab bmB\$ B§í`moa|g H$.{b. 3 11
{ZOr joÌ
6 Adrdm bmB\$ B§í`moa|g H§$nZr H§$.{b. 1 22
1 EH$mo OZab B§í`moa|g H§$nZr {b{_Q>oS> 11 3
7 ~OmO Am{b`m§O bmB\$ B§í`moa|g H$.{b. 5 60
2 ~OmO Am{b`m§O OZab B§í`moa|g H§$.{b. 10 12
8 ^maVr EŠgm bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 2 4
3 Mmobm_§S>b_ E_Eg OZab B§í`moa|g H§$.{b. 79 5
9 Ho$Zam EMEg~rgr bmB\$ B§í`moa|g H$.{b. 2 9
4 â`yMa OZabr B§{S>`m B§í`moa|g H§$.{b. 53 7
10 H«o${S>Q>EŠgog bmB\$ B§í`moa|g {b{_Q>oS> 1 7 5 Jmo {S>{OQ> OZab B§í`moa|g H§$.{b. 38 9
11 ES>bdmBg Q>mo{H$`mo bmB\$ B§í`moa|g H$.{b. 3 34 6 EMS>rE\$gr EJm} OZab B§í`moa|g H§$.{b. 20 8
12 â`yMa OZabr B§{S>`m bmB\$ B§í`moa|g H$.{b. 1 6 7 AmB©grAmB©grAmB© bmoå~mS©> OZab B§í`moa|g H§$.{b. 24 8
13 Jmo {S>{OQ> bmB\$ B§í`moa|g {b{_Q>oS> 1 4 8 B\$H$mo Q>mo{H$`mo OZab B§í`moa|g H§$nZr {b{_Q>oS> 33 6
9 H$moQ>H$ _qhÐm OZab B§í`moa|g H§$nZr {b{_Q>oS> 9 6
14 EMS>rE\$gr bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 2 58
10 jo_m OZab B§í`moa|g H§$nZr {b{_Q>oS> 15 0
15 AmB©grAmB©grAmB© àyS|>{e`b bmB\$ B§í`moa|g H$.{b. 3 49
11 {b~Q>u OZab B§í`moa|g {b{_Q>oS> 4 4
16 B§{S>`m\$ñQ>© bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 2 17
12 _¡½_m EMS>rAmB© OZab B§í`moa|g H§$nZr {b{_Q>oS> 9 1
17 H$moQ>H$ _qhÐm bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 1 61
13 Zdr OZab B§í`moa|g {b{_Q>oS> (nyd©dVu S>rEME\$Eb) - 2
18 _¡Šg bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 4 32
14 ahoOm Š`y~rB© OZab B§í`moa|g H§$nZr {b{_Q>oS> 5 1
19 nrEZ~r _oQ>bmB\$ B§{S>`m B§í`moa|g H$.{b. 0 13
15 [abm`§g OZab B§í`moa|g H§$nZr {b{_Q>oS> 1 1
20 àm_o[aH$m bmB\$ B§í`moa|g {b{_Q>oS> 4 10 16 am°`b gw§Xa_ OZab B§í`moa|g H§$nZr {b{_Q>oS> 17 15
21 [abm`§g {Zßnm°Z bmB\$ B§í`moa|g H$.{b. 1 3 17 Eg~rAmB© OZab OZab B§í`moa|g H§$.{b. 22 5
22 Eg~rAmB© bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 0 16 18 lram_ OZab OZab B§í`moa|g H§$nZr {b{_Q>oS> 6 19
23 lram_ bmB\$ B§í`moa|g H§$nZr {b{_Q>oS> 1 11 19 Q>mQ>m EAmB©Or OZab B§í`moa|g H§$nZr {b{_Q>oS> 23 11
20 `y{Zdg©b gmoånmo OZab B§í`moa|g H§$.{b. 153 7
24 ñQ>ma `y{Z`Z XmB©-BMr bmB\$ B§í`moa|g H$.{b. 3 16
21 µOyZmo OZab B§í`moa|g H§$nZr {b{_Q>oS> 6 0
25 Q>mQ>m EAmB©E bmB\$ B§í`moa|g H$.{b. 3 77
{d{eï> ~r_mH$Vm© (gmd©O{ZH$ joÌ)
Hw$b 51 573
1 EJ«rH$ëMa B§í`moa|g H§$nZr Am°\$ B§{S>`m {b. 3 -
2 B©grOrgr {b{_Q>oS> - -
ñQ>¢S>AbmoZ ñdmñÏ` ~r_mH$Vm© ({ZOr joÌ)
1 Am{XË` {~‹S>bm hoëW B§í`moa|g H§$nZr {b{_Q>oS> - 5
2 Ho$`a hoëW B§í`moa|g H§$nZr {b{_Q>oS> - 7
3 J¡boŠgr hoëW E§S> EbmBS> B§í`moa|g H§$nZr {b. - -
4 _{Unmb {g¾m hoëW B§í`moa|g H§$nZr {b{_Q>oS> - 4
5 Zmam`U ñdmñÏ` ~r_m H§$nZr {b{_Q>oS> - -
6 {Zdm ~ynm hoëW B§í`moa|g H§$nZr {b{_Q>oS> - 11
7 ñQ>ma hoëW E§S> EbmBS> B§í`moa|g H§$nZr {b{_Q>oS> - 2
Hw$b 664 183
176 Annual Report 2023-24AZw~§Y 8
~r_mH$Vm©Am| Am¡a _Ü`ñWm| Ho$ {bE ewëH$ g§aMZm Am¡a 2023-24 _| EH${ÌV ewëH$
H«$. ~r_m àH«$_U n§OrH$aU ZdrH$aU ZdrH$aU H$s Hw$b EH${ÌV
g§. H§$nZr g§gmYZ ewëH$ ewëH$ (<) ewëH$ Amd{YH$Vm ewëH$ (< _|)
1 OrdZ/gmYmaU/ñdmñÏ` - 5,00,000 ^maV _| {bpIV gH$b àË`j àË`oH$ df© 2,05,60,98,764
àr{_`_ H$m 1% H$m 1/20dm§ (31 OZdar VH$)
^mJ, Ý`yZV_ 10,00,000 én`o
Am¡a A{YH$V_ 10 H$amo‹S>
én`o VH$
2 nwZ~u_mH$Vm©/E\$Ama~r - 5,00,000 ^maV _| ñdrH¥$V d¡H$pënH$ àË`oH$ df© (OrAmB©gr ar
nwZ~u_m Ho$ g§~§Y _| Hw$b Ho$ {bE 31 OZdar VH$)
àr{_`_ Ho$ 1% H$m 1/20dm§ “àË`oH$ df©
^mJ, Ý`yZV_ 10,00,000 én`o (E\$Ama~r Ho$ {bE 31
Am¡a A{YH$V_ 10 H$amo‹S> {Xg§~a VH$)
én`o VŠ&
3 bm°`S²g H$s godm H§$nZr - 50,000 50,000 àË`oH$ df©
(31 {Xg§~a VH$)
4 gmYmaU / OrdZ ~r_ {Og {dÎmr` df© _| - -
m ì`dgm` H$m EH$sH$aU àm{YH$aU Ho$ nmg
Ed§ hñVm§VaU AmdoXZ Xm`a {H$`m
J`m h¡, Cggo nhbo Ho$
{dÎmr` df© Ho$ Xm¡amZ
boZ-XoZ H$aZo dmbr
g§ñWmAm| Ûmam ^maV
_| {bIo JE gH$b
àË`j àr{_`_ Ho$
1% H$m 1/10dm§
{hñgm, Ý`yZV_
<50 bmI Am¡a
A{YH$V_ <5 H$amo‹S>
Ho$ AYrZ&
5 V¥Vr` nj àemgH$ 1,00,000 2,00,000 1,50,000 3 df© 13,77,012
6 ~«moH$g©-S>m`aoŠQ> 25,000 50,000* 1,00,000 3 df© 4,24,79,043
~«moH$a-nwZ~u_m 50,000 1,50,000* 3,00,000 3 df©
~«moH$g©-H$ånmo{OQ> 75,000 2,50,000* 5,00,000 3 df©
7 gd}jH$ Am¡a hm{Z - d¡`{º$H$: <1000, i. ZdrZrH$aU ewëH$ `{X AmdoXZ
_yë`m§H$ZH$Vm© (d¡`{º$H$ H$m°nm}aoQ>: <5000 bmBg|g H$s g_m{á H$s VmarI
Am¡a H$m°nm}aoQ>) go 30 {XZ nhbo Xm`a {H$`m
OmVm h¡:
d¡`{º$H$ - <1000
H$m°nm}aoQ> - <5000
ii. ZdrZrH$aU ewëH$ `{X
ZdrZrH$aU AmdoXZ bmBg|g H$s
g_m{á H$s VmarI go 30 {XZ
nhbo Xm`a Zht {H$`m OmVm h¡:
d¡`{º$H$ - <1100
H$m°nm}aoQ> - <5100
Annual Report 2023-24 177Omar... AZw~§Y 8
~r_mH$Vm©Am| Am¡a _Ü`ñWm| Ho$ {bE ewëH$ g§aMZm Am¡a 2023-24 _| EH${ÌV ewëH$
H«$. ~r_m àH«$_U n§OrH$aU ZdrH$aU ZdrH$aU H$s Hw$b EH${ÌV
g§. H§$nZr g§gmYZ ewëH$ ewëH$ (<) ewëH$ Amd{YH$Vm ewëH$ (< _|)
iii. ZdrZrH$aU ewëH$ `{X 3 df© 35,98,629
ZdrZrH$aU AmdoXZ bmBg|g H$s
g_m{á H$s VmarI Ho$ ~mX bo{H$Z
bmBg|g H$s g_m{á H$s VmarI go
N>h _mh Ho$ ^rVa Xm`a {H$`m
OmVm h¡:
d¡`{º$H$ - <1750
H$m°nm}aoQ> - <5750
8 H$m°nm}aoQ> EO|Q> 10,000 i. BH$mB© Ho$ {bE grAmoAma: grAmoAma ZdrH$aU: <25000 3 df© 11,16,00,203
< 25000 nrAmo/Egnr/Edr Ho$ {bE
ii. nrAmo/Egnr/Edr H$mo à_mU nÌ H$m ZdrH$aU:
à_mUnÌ: < 500 <500
9 do~ EJ«rJoQ>a 10,000 25,000 25,000 3 df© 1,75,100
10 gm_mÝ` bmoH$ godm - 10,000 2,000 3 df©
H|$Ð (grnrEggr)
11 ao\$ab - 10,000 10,000 3 df© 10,000
12 ~r_m {dnUZ \$_© - 5,000 2,000 3 df©
13 ~r_m [anmo{OQ>ar 10,000 1,00,000 50,000 3 df© 8,96,325
14 AmB©EgEZnr (~r_m 0 10,000 - - 7,73,800
ñd-ZoQ>dH©$ ßboQ>\$m°_©)
Hw$b 2,21,70,08,876
* g¡Õm§{VH$ _§Oyar {_bZo Ho$ ~mX
#J¡a dmngr `mo½` ewëH$
grAmoAma- n§OrH$aU à_mUnÌ
nrAmo- àYmZ A{YH$mar, Egnr- {Z{X©ï> ì`{º$ Am¡a Edr- A{YH¥$V gË`mnZH$Vm©
178 Annual Report 2023-24AZw~§Y 9
{dÎm df© 2023-24 Ho$ Xm¡amZ àm{YH$aU Ûmam bJmE JE Ow_m©Zo
H«$. g§ñWm H$m Zm_ Ow_m©Zo H$s Ow_m©Zm AmXoe Omar {H$E JE C„§KZ H$m
g§. am{e (é. _|) H$aZo H$s {V{W g§{já {ddaU
1 [abm`§g OZab B§í`moa|g 2 H$amo‹S> ê$n`o 03-01-2024 J¡a-OrdZ ~r_mH$Vm© Zo E_AmB©Egnr {Xem{ZX}em| Ho$ I§S>-15 (5)
H§$nZr {b{_Q>oS> (K) H$m C„§KZ {H$`m, {OgH$m g§X^© g§»`m AmB©AmaS>rEAmB©/
AmB©EZQ>r/OrS>rEb/E_AmB©Egnr/202/08/2017 {XZm§H$ 31
AŠQy>~a, 2017 h¡, E_AmB©Egnr H$mo {dVaU ewëH$ Ho$ Abmdm
AÝ` ^wJVmZ H$aHo$ Am¡a ~r_mH$Vm© Zo _moQ>a ~r_m Ho$ VhV
50,000/- én`o go A{YH$ Ho$ ZwH$gmZ H$m AmH$bZ H$aZo Ho$
{bE BZ-hmCg H$_©Mm[a`m| H$mo {Z`wº$ H$aHo$ AmB©AmaS>rEAmB©
(~r_m gd}jH$ Am¡a hm{Z _yë`m§H$ZH$Vm©) {d{Z`_, 2015 Ho$
{d{Z`_ 12 (1) Am¡a (2) Ho$ àmdYmZm| H$m C„§KZ {H$`m, {OZHo$
nmg àm{YH$aU Ûmam Omar bmBg|g Zht Wm&
2 AZ_mob _o{S>Ho$`a Q>rnrE é.1 bmI 09-01-2024 Q>rnrE Zo AnZo H$_©Mm[a`m| Ho$ Abmdm AÝ` ì`{º$`m| H$mo F$U XoH$a
àmBdoQ> {b{_Q>oS> AmB©AmaS>rEAmB© (Q>rnrE-ñdmñÏ` godmE§) {d{Z`_, 2016 Ho$
{d{Z`_-23 Ho$ A§VJ©V AZwgyMr-II (AmMma g§{hVm) Ho$
I§S>-2(Am|) H$m C„§KZ {H$`m&
Annual Report 2023-24 179AZw~§Y 10 (i)
^maVr` Amœm{gV OrdZ _¥Ë`w Xa (AmB©EEbE_) 2012-14 _mZH$ Xa|-
nwéf ~r_mH¥$V OrdZ Omo àma§^ _| {M{H$ËgH$s` ê$n go {bpIV hmoVo h¢
Am`w Š`yx (ñZmVH$) Am`w Š`yx (ñZmVH$) Am`w Š`yx (ñZmVH$)
2 0.000915 40 0.00168 78 0.051024
3 0.00047 41 0.001815 79 0.056231
4 0.000271 42 0.001969 80 0.061985
5 0.000185 43 0.002144 81 0.068338
6 0.000152 44 0.002345 82 0.07535
7 0.000149 45 0.002579 83 0.083082
8 0.000167 46 0.002851 84 0.091601
9 0.000206 47 0.003168 85 0.100979
10 0.000265 48 0.003536 86 0.111291
11 0.000341 49 0.003958 87 0.122616
12 0.000429 50 0.004436 88 0.135037
13 0.000522 51 0.004969 89 0.148639
14 0.000614 52 0.00555 90 0.163507
15 0.000698 53 0.006174 91 0.179726
16 0.00077 54 0.006831 92 0.19738
17 0.000829 55 0.007513 93 0.216547
18 0.000874 56 0.008212 94 0.237302
19 0.000905 57 0.008925 95 0.259706
20 0.000924 58 0.009651 96 0.283813
21 0.000934 59 0.010393 97 0.309659
22 0.000937 60 0.011162 98 0.337265
23 0.000936 61 0.011969 99 0.36663
24 0.000933 62 0.012831 100 0.397733
25 0.000931 63 0.013765 101 0.430529
26 0.000931 64 0.014792 102 0.46495
27 0.000934 65 0.015932 103 0.500904
28 0.000942 66 0.017206 104 0.538278
29 0.000956 67 0.018635 105 0.576942
30 0.000977 68 0.02024 106 0.616752
31 0.001005 69 0.02204 107 0.657553
32 0.001042 70 0.024058 108 0.699191
33 0.001086 71 0.026314 109 0.741515
34 0.00114 72 0.028832 110 0.784383
35 0.001202 73 0.031638 111 0.827673
36 0.001275 74 0.034757 112 0.871285
37 0.001358 75 0.038221 113 0.915145
38 0.001453 76 0.042061 114 0.959214
39 0.00156 77 0.046316 115 1
{Q>ßnUr:
1.{nN>bo OÝ_{XZ na Am`w
2.Š`y x(ñZmVH$) Xa| H«${_H$ _¥Ë`w Xa h¢
180 Annual Report 2023-24AZw~§Y 10 (ii)
^maVr` d¡`{º$H$ dm{f©H$sJ«mhr H$s _¥Ë`w Xa Vm{bH$m (2012-15) g_J« / g§`wº$ _¥Ë`w Xa
AmB©AmaS>rEAmB© (OrdZ ~r_m ì`dgm` H$s n[ag§n{Îm`m§, Xo`VmE§ Am¡a emoYZ j_Vm _m{O©Z) {d{Z`_,
2016 Ho$ {d{Z`_ 4 Ho$ AW© _|
Am`w H«${_H$ _¥Ë`w Xa Am`w H«${_H$ _¥Ë`w Xa
20 0.000284 68 0.013447
21 0.000305 69 0.01484
22 0.000328 70 0.016393
23 0.000353 71 0.018128
24 0.000379 72 0.020067
25 0.000407 73 0.022236
26 0.000438 74 0.024662
27 0.000471 75 0.027379
28 0.000507 76 0.030422
29 0.000545 77 0.03383
30 0.000586 78 0.037651
31 0.000631 79 0.041932
32 0.000679 80 0.04673
33 0.000731 81 0.052106
34 0.000787 82 0.058127
35 0.000847 83 0.064868
36 0.000913 84 0.07241
37 0.000984 85 0.08084
38 0.001061 86 0.090252
39 0.001144 87 0.100746
40 0.001234 88 0.112428
41 0.001332 89 0.125408
42 0.001438 90 0.139798
43 0.001553 91 0.155712
44 0.001679 92 0.17326
45 0.001815 93 0.192548
46 0.001964 94 0.213673
47 0.002125 95 0.236719
48 0.002302 96 0.261749
49 0.002495 97 0.288807
50 0.002705 98 0.317906
51 0.002936 99 0.349031
52 0.003188 100 0.382129
53 0.003464 101 0.417111
54 0.003768 102 0.453851
Annual Report 2023-24 181Omar... AZw~§Y 10 (ii)
^maVr` d¡`{º$H$ dm{f©H$sJ«mhr H$s _¥Ë`w Xa Vm{bH$m (2012-15) g_J« / g§`wº$ _¥Ë`w Xa
AmB©AmaS>rEAmB© (OrdZ ~r_m ì`dgm` H$s n[ag§n{Îm`m§, Xo`VmE§ Am¡a emoYZ j_Vm _m{O©Z) {d{Z`_,
2016 Ho$ {d{Z`_ 4 Ho$ AW© _|
Am`w H«${_H$ _¥Ë`w Xa Am`w H«${_H$ _¥Ë`w Xa
55 0.004101 103 0.49219
56 0.004468 104 0.531933
57 0.004871 105 0.572866
58 0.005316 106 0.614755
59 0.005807 107 0.657357
60 0.006349 108 0.700435
61 0.006948 109 0.743762
62 0.007612 110 0.787136
63 0.008347 111 0.830382
64 0.009163 112 0.873364
65 0.01007 113 0.915987
66 0.011077 114 0.958198
67 0.012198 115 0.99999
182 Annual Report 2023-24AZw~§Y 11
Q>rnrE-dma ZoQ>dH©$ g‘Pm¡Vo
H«$ 31 _mM© 2023-24 Ho$ 2023-24 Ho$ 31 _mM©
Q>rnrE H$m Zm_
g§. 2023 VH$ Xm¡amZ Omo‹S>o JE Xm¡amZ hQ>mE JE 2024 VH$
1 AZ_mob _o{S>Ho$`a B§í`moa|g Q>rnrE {b{_Q>oS>$ 612 29 0 641
2 EHo$EZE hoëW B§í`moa|g Q>rnrE àmBdoQ> {b{_Q>oS> 0 6118 0 6118
3 dmobmo hoëW B§í`moa|g Q>rnrE àmBdoQ> {b{_Q>oS>
(nyd© _| B©ñQ> doñQ> A{gñQ> B§í`moa|g Q>rnrE àmBdoQ> {b{_Q>oS>) 7,435 4,761 2,887 9,309
4 E[aŠgZ B§í`moa|g Q>rnrE àmBdoQ> {b{_Q>oS> 11,672 1,722 0 13,394
5 \¡${_br hoëW ßbmZ B§í`moa|g Q>rnrE {b{_Q>oS> 19,578 7,091 25 26,644
6 OoZtg B§{S>`m B§í`moa|g Q>rnrE {b{_Q>oS> 5,817 1,917 88 7,646
7 JwS> hoëW B§í`moa|g Q>rnrE {b{_Q>oS> 6,842 2,906 140 9,608
8 hoëW B§{S>`m B§í`moa|g Q>rnrE g{d©goO àmBdoQ> {b{_Q>oS> 12,608 3,640 328 15,920
9 hoëW B§í`moa|g Q>rnrE Am°\$ B§{S>`m {b{_Q>oS> 7,554 941 52 8,443
10 ho[aQ>oO hoëW B§í`moa|g Q>rnrE àmBdoQ> {b{_Q>oS> 11,604 4,941 1,285 15,260
11 qbH$-Ho$ B§í`moa|g Q>rnrE àmBdoQ> {b{_Q>oS> 0 12759 0 12759
12 E_S>r B§{S>`m hoëW B§í`moa|g Q>rnrE àmBdoQ> {b{_Q>oS> 19,530 6,762 2,189 24,103
13 _oS>r A{gñQ> B§í`moa|g Q>rnrE àmBdoQ> {b{_Q>oS> 14,301 5,451 447 19,305
14 _oS>god hoëW B§í`moa|g Q>rnrE {b{_Q>oS> 10,272 835 2,242 8,865
15 n¡am_mC§Q> hoëW g{d©goO E§S> B§í`moa|g Q>rnrE àmBdoQ> {b{_Q>oS> 22,257 3,106 248 25,115
16 nmH©$ _o{S>Šbo_ B§í`moa|g Q>rnrE àmBdoQ> {b{_Q>oS> 5,367 645 0 6,012
17 ajm hoëW B§í`moa|g Q>rnrE àmBdoQ> {b{_Q>oS> 9,834 2,904 169 12,569
18 go\$do B§í`moa|g Q>rnrE àmBdoQ> {b{_Q>oS> 9,076 1,512 432 10,156
19 _oS>dm§Q>oO B§í`moa|g Q>rnrE àmBdoQ> {b{_Q>oS>
(nyd© _| `yZmBQ>oS> hoëW Ho$`a nmaoI B§í`moa|g Q>rnrE
àmBdoQ> {b{_Q>oS>)# 4,875 0 0 0
20 {dS>mb hoëW B§í`moa|g Q>rnrE àmBdoQ> {b{_Q>oS> 11,106 1,294 250 12,150
21 {dOZ {S>{OQ>b B§í`moa|g Q>rnrE àmBdoQ> {b{_Q>oS>* 0 0 0 0
Hw$b ZoQ>dH©$ AñnVmb 1,90,340 69,334 10,782 2,44,017
ZmoQ>: EH$ AñnVmb H$m EH$ go A{YH$ Q>rnrE Ho$ gmW ñdmñÏ` godm AZw~§Y hmo gH$Vm h¡&
1. * `h Q>rnrE Mmby {dÎm df© _| g{H«$` Zht h¡, **AñnVmbm| Zo EH$ go A{YH$ Q>rnrE Ho$ gmW H$mama {H$¶m hmo gH$Vm h¡&
2. $n§OrH$aU g§»`m 27 Ho$ gmW AZ_mob _o{S>Ho$`a B§í`moa|g Q>rnrE {b{_Q>oS> Ho$ grAmoAma Ho$ ZdrZrH$aU AmdoXZ H$mo {XZm§H$ 04.07.2024 Ho$ AmXoe Ûmam
Im[aO H$a {X`m J`m
3. #_oS>dm§Q>oO B§í`moa|g Q>rnrE àmBdoQ> {b{_Q>oS> ({Ogo nhbo `yZmBQ>oS> hoëW Ho$`a nmaoI B§í`moa|g Q>rnrE àmBdoQ> {b{_Q>oS> Ho$ Zm_ go OmZm OmVm Wm) H$m 13
\$adar, 2024 go _oS>r A{gñQ> B§í`moa|g Q>rnrE àmBdoQ> {b{_Q>oS> Ho$ gmW {db` hmo J`m h¡&
4. *{dOZ {S>{OQ>b B§í`moa|g Q>rnrE àmBdoQ> {b{_Q>oS> H$m grAmoAma g_`-Ad{Y Ho$ H$maU g_má hmo J`m Wm Am¡a Q>rnrE Ho$ ZdrZrH$aU AmdoXZ H$mo
Im[aO H$aZo dmbo AmB©AmaS>rEAmB© Ho$ {XZm§H$ 04.10.2021 Ho$ AmXoe na {X„r Ho$ _mZZr` Cƒ Ý`m`mb` Zo WP(C) 10379/2021 _| amoH$ bJm Xr
h¡& _m_bm Ý`m`mb` _| {dMmamYrZ h¡
Annual Report 2023-24 183ANNUAL REPORT
2023-24
INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY OF INDIA
Head Office
Survey No. 115/1, Financial District,
Nanakramguda, Gachibowli, Hyderabad – 500032, India
Phone: +91-40-20204000
iThis Report is in conformity with the format as per the
Insurance Regulatory and Development Authority
(Annual Report-Furnishing of Return, Statements
and Other Particulars) Rules, 2000.
iiivCONTENTS
Mission Statement xix
Members of the Authority xxi
Senior Officials at IRDAI xxiii
Part I
POLICIES AND PROGRAMMES
I.1 Review of General Economic Environment 7
I.2 Appraisal of Insurance Market 10
I.3 Number and Details of Registered Insurers/Reinsurers 25
I.4 Policies and Measures to Develop Insurance Market 25
I.5 Research and Development Activities Undertaken by the Insurers 28
I.6 Review 31
I.6.1 Protection of Interests of Policyholders 31
I.6.2 Maintenance of Solvency Margins of Insurers 33
I.6.3 Monitoring of Reinsurance 33
I.6.4 Monitoring Investments of the Insurers 37
I.6.5 Health Insurance 40
I.6.6 Specified Percentage of Business to be done in Rural and Social Sector 47
I.6.7 Accounts and Actuarial Standards 48
I.6.8 Directions, Orders, and Regulations given by the Authority 49
I.6.9 Powers and Functions Delegated by the Authority 49
I.6.10 Other Policies and Programmes having a bearing
on the working of the Insurance Market 49
Part II
REVIEW OF WORKING AND OPERATIONS
II.1 Regulation of Insurance and Reinsurance Companies 61
II.2 Insurance Agents and Intermediaries Associated with Insurance Business 70
II.3. Professional Institutes connected with Insurance Education 84
II.4 Litigations, Appeals and Other Court Pronouncements 87
II.5 International Cooperation in Insurance 87
II.6 Grievances 91
II.7 Functioning of the Advisory Committees 95
II.8 Functioning of Ombudsman 96
II.9 Insurance Associations and Insurance Councils 96
II.10 Other Activities having a Bearing on the Insurance Market 98
viiPart III
STATUTORY AND DEVELOPMENTAL FUNCTIONS OF THE AUTHORITY
III.1 Issue to the Applicant a Certificate of Registration, Renew, Modify,
Withdraw, Suspend or Cancel such Registration 105
III.2 Protection of the Interests of Policyholders in matters concerning assigning of policy,
nomination of policyholders, insurable interest, settlement of insurance claim,
surrender value of policy and other terms and conditions of contracts of
insurance and grievance redressal 105
III.3 Specifying Requisite Qualifications, Code of Conduct and Practical Training
for Intermediaries or Insurance Intermediaries and Agents. 105
III.4 Specifying the Code of Conduct for Surveyors and Loss Assessors 106
III.5 Promoting Efficiency in the Conduct of Insurance Business 106
III.6 Promoting and Regulating Professional Organizations Connected with
the Insurance and Reinsurance Business 112
III.7 Levying Fees and Other Charges for Carrying Out the Purposes of the Act 116
III.8 Calling information from, undertaking inspection of, conducting enquiries
and investigations including audit of the insurers, intermediaries, insurance
intermediaries and other organizations connected with the insurance business 116
III.9 Control and Regulation of Rates, Advantages, Terms and Conditions that may
be Offered by Insurers in respect of General Insurance Business not so Controlled
and Regulated by the Tariff Advisory Committee under Section 64U of the
Insurance Act,1938 (4 of 1938) 120
III.10 Specifying the Form and Manner in which Books of Accounts shall be Maintained and
Statements of Accounts shall be Rendered by Insurers and Other Insurance Intermediaries 120
III.11 Regulating Investment of Funds by Insurance Companies 121
III.12 Regulating Maintenance of Margin of Solvency 121
III.13 Adjudication of Disputes between Insurers and Intermediaries or Insurance Intermediaries 122
III.14 Specifying the Percentage of Life Insurance Business and General Insurance Business
to be undertaken by the Insurers in the Rural and Social Sector. 122
viiiPART IV
ORGANIZATIONAL MATTERS
IV.1 Organization 125
IV.2 Human Resources 127
IV.3 Promotion of Official Language 130
IV.4 Information Technology 133
IV.5 Accounts 134
IV.6 Acknowledgement 134
BOX ITEMS
I.1 Efforts towards Reduction of Unclaimed Amounts 27
II.1 IRDAI (Insurance Products) Regulations, 2024 –
Enabler for comprehensive product solutions 66
II.2 Rural, Social Sector and Motor Third Party Obligations – Driving Inclusive Insurance 71
III.1 National Health Claim Exchange (NHCX) – Towards seamless claims experience 110
III.2 De-notification of extant Tariffs pertaining to Fire, Motor and Engineering,
Workmen’s Compensation and other classes of insurance business 114
III.3 Tech-enablement for Supervision and enforcement 119
TABLES
PART I
Table I.1 Global Growth In Real GDP 7
Table I.2 National Income Estimates of India 8
Table I.3 Estimates of Gross Value Added (GVA) by Economic Activity 8
Table I.4 Financial Savings of the Household Sector 10
Table I.5 Growth in Real Premium by Region in the World in 2023 11
Table I.6 Premium Volume by Region in the World in 2023 11
Table I.7 Insurance Penetration – India Vs World (% age) 12
Table I.8 Insurance Density– India vs World (USD) 12
ixTable I.9 Business Performance of Life Insurers 15
Table I.10 Financial Performance of Life Insurers 17
Table I.11 Actual Death Claims of Life Insurers 18
Table I.12 Business Performance of General, Health and Specialized Insurers 19
Table I.13 Financial Performance of General, Health and Specialized Insurers 21
Table I.14 Segment-wise Incurred Claims Ratio of General, Health & Specialized Insurers 22
Table I.15 Line of Business-wise Claims paid by General Insurers
(excl. Health Insurance Business) 23
Table I.16 Offices of Life Insurers 23
Table I.17 Offices of General, Health and Specialized Insurers 24
Table I.18 Number of Registered Insurers and Reinsurers 25
Table I.19 Reinsurance Placement by General & Health Insurers 35
Table I.20 Net Retention of General and Health Insurers 36
Table I.21 Investments of Insurance Industry 37
Table I.22 Category-wise Investments of Life Insurers 38
Table I.23 Fund-wise Investments of Life Insurers 39
Table I.24 Investments of General, Health,
Specialized Insurers & Reinsurers: Category-wise 39
Table I.25 Health Insurance Premium Underwritten by General & Health Insurers 40
Table I.26 Policies, Lives Covered, and Premium under Health Insurance Business of
General & Health Insurers 41
Table I.27 Incurred Claims Ratio under Health Insurance Business of
General & Health Insurers 42
Table I.28 Claims Paid under Health Insurance Business of General and Health Insurers 43
Table I.29 Status of Claims under Health Insurance Business of General & Health Insurers 43
Table I.30 Number of Policies, Lives Covered and Premium under
Health Insurance Business of Life Insurers 44
Table I.31 Status of Claims under Health Insurance Business of Life Insurers 45
Table I.32 Business under Personal Accident Insurance 45
Table I.33 Coverage under Government Flagship Personal Accident Schemes 46
Table I.34 Business under Overseas Travel Insurance 46
Table I.35 Business under Domestic Travel Insurance 46
Table I.36 Health, PA and Travel Insurance Business Underwritten Outside India 47
xPART II
Table II.1 Insurance Agents Associated with Life, General and Health Insurers 72
Table II.2 Gender-wise Distribution of Individual Agents associated with Life,
General and Health Insurers 73
Table II.3 Corporate Agents Active with Insurance Business 74
Table II.4 Performance of Micro Insurance Business in Life Insurance Sector 75
Table II.5 Micro Insurance Agents of Life Insurers 75
Table II.6 Number of Micro insurance Policies Issued 76
Table II.7 Number of POSPs with various Sponsoring Agencies 77
Table II.8 Number of MISPs with various Sponsoring Agencies 78
Table II.9 Contribution of Agents and Intermediaries in
Life Insurance New Business Premium 81
Table II.10 Contribution of Insurance Agents and Intermediaries in
General Insurance Business 82
Table II.11 Contribution of Insurance Agents and Intermediaries in Health Insurance
(Excl. PA & Travel) 83
Table II.12 Products of Insurance Information Bureau 86
Table II.13 Details of the cases filed during 2023-24 87
Table II.14 Details of Cases Disposed/Dismissed for the period 87
Table II.15 Analysis of Grievances Registered 92
Table II.16 Grievances on Unfair Business Practices (UFBP)
Registered against Life Insurers 92
Table II.17 Status of Grievances as per Bima Bharosa portal 93
Table II.18 Grievances Registered in DARPG Portal and Referred to IRDAI 95
Table II.19 Pendency of Grievances 95
PART III
Table III.1 On-site and remote inspection reports concluded during 2023-24 118
Table III.2 Details of Regulatory Actions 118
xiPART IV
Table IV.1 Composition of the Authority as on 31st March, 2024 126
Table IV.2 Details of Meetings of the Authority 126
Table IV.3 Details of Meetings held during 2023-24 and
attended by each member of the Authority 126
Table IV.4 Sanctioned and Actual Staff Strength in IRDAI 127
Table IV.5 Category-wise Staff Strength in IRDAI 127
Table IV.6 Age-wise Distribution of Staff in IRDAI 128
Table IV.7 Grade-wise Staff Strength in IRDAI 128
CHARTS
I.1 Percentage Shares of Sectors in GVA at Current Price 9
I.2 Domestic Savings in Indian Economy 9
I.3 Insurance Penetration in India 12
I.4 Insurance Density in India 13
I.5 Insurance Penetration in Select Countries in 2023 13
I.6 Insurance Density In Select Countries 2023 13
I.7 New Business Premium of Life Insurers 14
I.8 Renewal Premium of Life Insurers 14
I.9 Total Premium of Life Insurers 14
I.10 Segment-wise Premium of Life Insurers 14
I.11 Profit after Tax of Life Insurers 16
I.12 Benefits Paid by Life Insurers 18
I.13 Premium underwritten within India by Non-Life Insurers 19
I.14 Operating Expenses of General and Health insurers 20
I.15 Net Incurred Claims of General and Health Insurers 22
I.16 Claims Paid (excl. Health Insurance Business) by General Insurers 22
I.17 Tier wise Distribution of Offices of Life Insurers 24
I.18 Tier wise Distribution of Offices of Non-Life Insurers 24
I.19 Gross Reinsurance Premium of Reinsurers including FRBs 35
xiiI.20 Sector-Wise Share In Premium Of Health Insurance 40
I.21 Trend In Health Insurance Premium (Excl. PA & Travel Insurance) 41
I.22 Lives Covered (in lakhs) and Premium under Health Insurance excl. PA & Travel 41
I.23 Net Incurred Claims Under Health Insurance 42
I.24 Trend in Incurred Claim ratio under Health Insurance: Sector wise 42
I.25 Trend in Incurred Claim Ratio under Health Insurance:Segment wise 42
I.26 Health Insurance Premium of Life Insurers 44
II.1 Contribution of Agents and Intermediaries in Life Insurance Individual New Business 81
II.2 Contribution of Agents and Intermediaries in Life Insurance Group New Business 82
II.3 Contribution of Agents and Intermediaries in General Insurance Business 83
II.4 Contribution of Insurance Agents and Intermediaries in Health Insurance
(Excl. PA & Travel) 84
II.5 Classification of Life Insurance Grivances 94
II.6 Classification of General and Health Insurance Grivances 94
IV.1 Grade-wise distribution of Staff in IRDAI 128
STATEMENTS
1 International Comparison of Insurance Penetration 137
2 International Comparison of Insurance Density 138
3 Premium Underwritten by Life Insurers (within India) 139
4 Linked and Non-Linked Premium of Life Insurers for 2023-24 140
5 Segment-wise Total Premium of Life Insurers for 2023-24 141
6 Equity Share Capital of Life Insurers 142
7 Gross Direct Premium of General and Health Insurers (Within and Outside India) 143
8 Segment-wise Gross Direct Premium Income of General
& Health Insurers (Within India) 144
9 Equity Share Capital of General, Health and Reinsurers 146
10 Incurred Claims Ratio of General and Health Insurers (Within India) 148
11 Solvency Ratio of Life Insurers 149
12 Solvency Ratio of General, Health, and Reinsurance Companies 150
xiii13 Solvency Ratio of Branches of Foreign Reinsurers 151
14 Gross Reinsurance Premium of Reinsurers including FRBs 152
15 Assigned Capital of Branches of Foreign Reinsurers 153
16 Assets Under Management of Life Insurers (As on 31st March) 154
17 Assets Under Management of General, Health, Specialized, and Reinsurers
(As on 31st March) 157
ANNEXURES
1 List of Registered Insurers/Reinsurers Operating In India
(as on 31st March, 2024) 161
2(i) Members’ share in Indian Market Terrorism Risk Insurance Pool 163
2(ii) Members’ share in Indian Nuclear Insurance Pool 164
2(iii) Members’ share in Marine Cargo Excluded Territories Pool 165
3 Motor third party insurance market share of General Insurers in the FY 2023-24 165
4 Circulars/Orders/Guidelines/Instructions issued from 1st April, 2023
to 31st March, 2024 166
5 Regulations framed under the Insurance Act, 1938 and IRDA Act,
1999 up to March 31, 2024 170
6 List of Micro Insurance Products of Life Insurers 175
7 Number of Products and Riders during 2023-24 176
8 Fee Structure for Insurers and Intermediaries & Fee Collected in 2023-24 177
9 Penalties Levied by IRDAI during 2023-24 179
10(i) Indian Assured Lives Mortality (IALM) - 2012-14 180
10(ii) Indian Individual Annuitant's Mortality Table (2012-15) 181
11 TPA-wise network agreements 183
xivABBREVIATIONS
AFIR : Asian Forum of Insurance Regulators
AML : Anti-Money Laundering
ASSOCHAM : Associated Chambers of Commerce & Industry of India
CBR : Cross Border Reinsurer
CFT : Countering the Financing of Terrorism
CII : Confederation of Indian Industry
CoR : Certificate of Registration
CPIO : Central Public Information Officer
CPSC : Common Public Service Center
CSC : Common Service Centre
DARPG : Department of Administrative Reforms and Public Grievances
DFS : Department of Financial Services
FAA : First Appellate Authority
FATF : Financial Action Task Force
FICCI : Federation of Indian Chambers of Commerce & Industry
FIU-IND : Financial Intelligence Unit- India
FRB : Foreign Reinsurance Branch
FRN : Filing Reference Number
FSB : Financial Stability Board
GDP : Gross Domestic Product
GNDI : Gross National Disposable Income
GVA : Gross Value Added
IAC : Insurance Advisory Committee
IAIS : International Association of Insurance Supervisors
ICR : Incurred Claims Ratio
IFRS : International Financial Reporting Standard
IGCC : IRDAI Grievance Call Centre
IGMS : Integrated Grievance Management System
IIB : Insurance Information Bureau of India
IIISLA : Indian Institute of Insurance Surveyors and Loss Assessors
IIRM : Institute of Insurance and Risk Management
xvIMCC : Inter-Ministerial Co-ordination Committee
IMFs : Insurance Marketing Firms
INFE : International Network on Financial Education
IRCTC : Indian Railway Catering and Tourism Corporation
IRDAI : Insurance Regulatory and Development Authority of India
InvITs : Infrastructure Investment Trusts
KMP : Key Managerial Personnel
KYC : Know Your Customer
LPA : Letter Patent Appeal
MACT : Motor Accident Claims Tribunal
MFI : Micro Finance Institution
MISP : Motor Insurance Service Provider
MoRTH : Ministry of Road Transport & Highways
NBFC : Non-Banking Financial Company
NCDRC : National Consumer Disputes Redressal Commission
NGOs : Non-Government Organizations
NOC : No Objection Certificate
NSO : National Statistical Office
OECD : Organization for Economic Co-operation and Development
OMOP : One More Option Plan
PM-JAY : Pradhan Mantri Jan Arogya Yojana
PMFBY : Pradhan Mantri Fasal Bima Yojana
PMJDY : Pradhan Mantri Jan Dhan Yojana
PMJJBY : Pradhan Mantri Jeevan Jyoti Bima Yojana
PMLA : Prevention of Money Laundering Act
PMSBY : Pradhan Mantri Suraksha Bima Yojana
PMVVY : Pradhan Mantri Vaya Vandana Yojana
POSP : Point of Sales Person
PSU : Public Sector Undertaking
RAP : Rural Authorized Person
RBI : Reserve Bank of India
xviRBSF : Risk Based Supervisory Framework
RBC : Risk Based Capital
REITs : Real Estate Investment Trusts
RSM : Required Solvency Margin
RTI : Right to Information
SAHI : Stand-alone Health Insurer
SCDRC : State Consumer Disputes Redressal Commission
SEBI : Securities and Exchange Board of India
SHGs : Self Help Groups
SLA : Surveyors and Loss Assessors
SPV : Special Purpose Vehicle
TOLIC : Town Official Language Implementation Committee
TPA : Third Party Administrator
UFBP : Unfair Business Practices
ULIP : Unit-Linked Product
USD : United States Dollar
VLE : Village Level Entrepreneur
xviiMISSION STATEMENT
(cid:57) To protect the interest of and secure fair treatment to policyholders;
(cid:57) 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;
(cid:57) To set, promote, monitor and enforce high standards of integrity, financial soundness,
fair dealing and competence of those it regulates;
(cid:57) To ensure speedy settlement of genuine claims, to prevent insurance frauds and
other malpractices and put in place effective grievance redressal machinery;
(cid:57) 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;
(cid:57) To take action where such standards are inadequate or ineffectively enforced;
(cid:57) To bring about optimum amount of self-regulation in day-to-day working of the
industry consistent with the requirements of prudential regulation.
xixINSURANCE REGULATORY AND DEVELOPMENT AUTHORITY OF INDIA
Members of the Authority
Chairperson Shri Debasish Panda
Whole-time Members
Actuary Shri Parmod Kumar Arora
Life Shri B C Patnaik
(from 1st May 2023)
Finance & Investment Shri Rakesh Joshi
(up to 1st December, 2023)
Shri Rajay Kumar Sinha
(from 24th January 2024)
Distribution Smt. S. N. Rajeswari
(up to 3rd March, 2024)
Shri Satyajit Tripathy
(from 24th May, 2024)
Non-Life Shri Thomas M. Devasia
(up to 11th July, 2024)
Shri Deepak Sood
(from 12th August, 2024)
Part-time Members
Shri Suchindra Misra
(up to 27th June, 2023)
Dr. Maruthi Prasad Tangirala
(from 28th June, 2023)
CA Aniket Sunil Talati
(up to 11th February, 2024)
CA Ranjeet Kumar Agarwal
(from 12th February, 2024)
xxiSENIOR OFFICIALS OF IRDAI
(As on March 31, 2024)
EXECUTIVE DIRECTORS
Shri Suresh Mathur Economic & Policy Analysis and Research (till 31.01.2024)
Shri Randeep Singh Jagpal Non-Life
Dr. Mamta Suri Finance & Investment and Internal Audit (till 30.11.2023)
Smt. J. Meena Kumari Life & Supervision
Shri A. R. Nithiyanantham Legal
CHIEF GENERAL MANAGERS
Smt. Yegnapriya Bharat Health Insurance (till 30.11.2023)
Shri S. N. Jayasimhan Economic & Policy Analysis and Research (till 31.12.2023)
Shri A. Ramana Rao Health Insurance
Shri S.P Chakraborty Actuarial
Shri Raj Kumar Sharma Policyholder Protection & Grievance Redressal, Enforcement & Compliance
Shri D. V. S. Ramesh Insurance Inclusion and Development
Shri G. R. Suryakumar Finance & Investment
Shri P. S. Jagannatham General Administration and HR
Smt. Anita Josyula Intermediaries
Shri Sudipta Bhattacharya Intermediaries
Shri K. Mahipal Reddy Intermediaries
Shri T. S. Naik Life Insurance
GENERAL MANAGERS
Shri A. Venkateswara Rao Policyholder Protection and Grievance Redressal
Shri Prabhat Kumar Maiti Actuarial and Chief Vigilance Officer
Smt. K.G. P. L. Ramadevi General Administration and HR
Shri M. S. Jayakumar Supervision
Shri T. V. Rao Enforcement and Compliance, Internal Audit
Shri N. M. Behera Health Insurance (till 30.04.2023)
Shri Pankaj Kumar Tewari Health Insurance
Shri Ammu Venkata Ramana Finance and Investment
Shri C. Srinivas Kumar Actuarial
Shri N. S. K. Prabhakar Life Insurance
Shri Manoj Kumar Finance and Investment
Shri Mahesh Aggarwal Finance and Investment
Shri Shardul Admane Reinsurance
Smt. B. Padmja Chairman’s Secretariat and Board Secretariat
Shri D. S. Murthy Non-Life Insurance
Shri Deepak Khanna General Administration and HR
Shri Deepak Gaikwad Intermediaries
Shri Prasad Rao Kalyaru Legal
Shri Suresh Nair Non-Life Insurance
Smt. Nimisha Srivastava Insurance Inclusion and Development
Smt. R. Uma Mamaheswari Intermediaries
Smt. Latha C. Economic and Policy Analysis and Research
Shri Gopa Kumar E S General Administration and HR (till 31.05.2023)
Shri Sanjay Kumar Verma Enforcement and Compliance
Smt. Shiksha Shaha, Non-Life insurance
xxiiiHIGHLIGHTSHIGHLIGHTSHIGHLIGHTSPART – I
POLICIES AND PROGRAMMES6 Annual Report 2023-24POLICIES AND PROGRAMMES
I.1 REVIEW OF GENERAL ECONOMIC Table I.1: Global Growth in Real GDP
ENVIRONMENT
(annual percentage change)
I.1.1 The International Monetary Fund (IMF) in its Particulars 2023 2024 (P) 2025 (P)
April 2024 World Economic Outlook highlighted the World Output 3.2 3.2 3.2
remarkable resilience of the global economy despite Advanced
significant challenges, such as, disruptions in supply Economies 1.6 1.7 1.8
chains following the pandemic, a global energy and Emerging Market
food crisis triggered by the geopolitical issues, and a and Developing
notable uptick in inflation. Despite these challenges, Economies 4.3 4.2 4.2
the global economy has managed to steer clear of China 5.2 4.6 4.1
recession, largely due to coordinated monetary policy
India 7.8 6.8 6.5
adjustments among major economies. Looking
P- Projections. Source: IMF, World Economic Outlook, April 2024
ahead, as per the Report, global growth is expected
to maintain a steady trajectory of 3.2 percent for both I.1.3 As per provisional estimates of National Income
2024 and 2025. Inflation is projected to decrease from released by National Statistical Office (NSO), India’s
2.8 per cent at the end of 2024 to 2.4 per cent by the Gross Domestic Product (GDP) at current prices in
close of 2025.
the year 2023-24 is estimated at `295.36 lakh crore,
as against `269.50 lakh crore in 2022-23, showing
India’s Economic Performance & Outlook in
a growth rate of 9.6 per cent.
comparison with Global Trends
The per capita GDP at current prices is `2,11,725
I.1.2 According to the IMF’s Outlook, India’s GDP
during 2023-24 as compared to `1,94,879 in 2022-
growth surpassed both the world average and that
of advanced economies. In 2023, India’s GDP grew 23 showing a growth of 8.6 per cent. Per Capita
by 7.8 per cent, significantly higher than the global Private Final Consumption Expenditure increased to
growth rate of 3.2 per cent and the 1.6 per cent growth `1,27,760 in 2023-24 from `1,18,755 in 2022-23
rate of advanced economies. This trend continues registering a 7.6 per cent increase.
in the projections for 2024 and 2025 as well, with
India’s GDP expected to grow by 6.8 per cent and I.1.4 Aggregate supply, measured by Gross Value
6.5 per cent, respectively. These figures remain well Added (GVA) at basic prices, expanded by 8.5
above the world output growth rate of 3.2 per cent percent in 2023-24 after registering an expansion of
for both years and the growth rates of advanced 14 per cent in 2022-23.
economies, projected at 1.7 per cent in 2024 and
1.8 per cent in 2025. This consistent outperformance
underscores India’s robust economic momentum
compared to the global average and advanced
economies.
Annual Report 2023-24 7Table I.2: National Income Estimates of India
(at current prices)
2022-23* 2023-24# Growth (%)
Item
2022-23 2023-24
Gross Value Added (GVA) at
base prices (` lakh crore) 246.59 267.62 14.0 8.5
Gross Domestic Product (GDP)
(` lakh crore) 269.50 295.36 14.2 9.6
Gross National Disposable Income (GNDI)
(` lakh crore) 273.98 299.85 14.5 9.4
Per Capita GDP (`) 1,94,879 2,11,725 13.0 8.6
Per Capita GNDI (`) 1,98,125 2,14,951 13.3 8.5
Per Capita Private Final Consumption
Expenditure (PFCE) (`) 1,18,755 1,27,760 13.0 7.6
*First Revised Estimates, #Provisional Estimates
Source: NSO, Press Note dated 31st May, 2024.
Table I.3: Estimates of Gross Value Added (GVA) by Economic Activity
(At current prices) (` lakh crore)
2022-23* 2023-24# Growth (%)
Industry
2022-23 2023-24
I. Primary Sector 49.78 52.51 9.7 5.5
Agriculture, Livestock, Forestry & Fishing 44.84 47.25 9.4 5.4
Mining & Quarrying 4.94 5.25 12.6 6.3
II. Secondary Sector 63.19 68.67 8.8 8.7
Manufacturing 35.36 38.19 4.2 8.0
Electricity, Gas, Water Supply &
Other Utility Services 6.04 6.63 4.6 9.8
Construction 21.78 23.83 18.7 9.4
III. Tertiary Sector 133.60 146.43 18.3 9.6
Trade, Hotels, Transport, Communication
& Services related to Broadcasting 44.10 46.84 20.0 6.2
Financial, Real Estate & Professional Services 55.20 60.64 18.8 9.9
Public Administration, Defence & Other Services 34.30 38.95 15.4 13.8
GVA at Basic Prices 246.59 267.62 14.0 8.5
*First Revised Estimates; #Provisional Estimates;
Source: NSO, Press Note dated 31st May, 2024
8 Annual Report 2023-24I.1.5 Gross domestic savings as per cent to gross preceding year, due to drop in household financial
national disposable income (GNDI) moderated to saving (net) to 5.2 per cent of GNDI in 2022-23 from
29.7 per cent in 2022-23 from 30.8 per cent in the 7.2 per cent in the previous year.
Source: RBI Annual Report 2023-24 (Appendix Table 3)
Annual Report 2023-24 9Table I.4: Financial Saving of the Household Sector
(Per cent of Gross National Disposable Income)
Item 2021-22 2022-23
Household Sector Savings 19.8 18.1
i. Net Financial Savings (A-B) 7.2 5.2
ii. Savings in physical assets 12.4 12.7
iii. Savings in the form of valuables 0.3 0.2
A. Gross Financial Saving (of which) 10.9 10.9
1. Currency 1.1 0.9
2. Deposits 3.5 4.0
3. Shares and Debentures 0.9 0.8
4. Claims on Government 1.1 0.9
5. Insurance Funds 2.0 2.0
6. Provident and Pension Funds 2.3 2.3
B. Financial Liabilities 3.8 5.7
Source: RBI Annual Report 2023-24. (Table II.2.2)
I.2 Appraisal of Insurance Market
rebounded to 5.9 per cent in 2023, ending three
consecutive years of contraction. However, health
I.2.1 Appraisal of global insurance market
premiums may decline due to the end of pandemic
I.2.1.1 The Swiss Re Sigma Report (publication no. support policies in the US, offsetting some volume
03/2024) projects global non-life insurance premium increases in other lines of business. The profitability
to grow by 3.3 per cent in real terms in 2024, driven of non-life business is set to improve, with slowing
mainly by a continuation of hard market conditions. inflation eventually leading to a reduction in claims
Premiums grew by 3.9 per cent in 2023, a notable severity.
improvement from 0.8 per cent growth in 2022. The
I.2.1.2 Health contributes close to half of global non-
main driver was rate hardening in advanced markets,
life insurance premiums. Health premium is expected
with insurers upping prices to cover rising claims.
to grow by 3 per cent in real terms in 2024. With
Rates are likely to fall as claims inflation eases, and
wages and healthcare expenses exceeding CPI
a premium growth of 2.6 per cent is forecasted for
inflation, health insurance pricing is likely to remain
2025. This growth will be mainly driven by rate elevated. Property insurance premium is expected
hardening in personal and ongoing price strength in to grow by 4.7 per cent in 2024 on continuation of
commercial lines. The motor market is expected to hard market conditions, following a 6.1 per cent gain
continue getting momentum during 2024 after growth in 2023.
10 Annual Report 2023-24I.2.1.3 Swiss Re forecasts global premiums for life Indian Insurance in the Global Scenario
insurance to grow by 2.5 per cent in real terms in
I.2.1.5 India’s insurance market is one of the
2024 and will reach USD 4.7 trillion by 2034, up from
fastest-growing globally, and Swiss Re forecasts
this year’s estimated USD 3 trillion. In advanced
India, currently at number 10, to be the fastest
markets, the growth will be propelled by savings
growing market of the G20 over the next five years.
business as the higher interest rate reset makes The growth outlook is based on strong economic
savings products more attractive. In the emerging growth, rising disposable incomes, a young
markets, life insurance penetration will continue to population, increased risk awareness, digital
increase as the growing middle income household penetration, and regulatory developments. India,
class demand more retirement planning products. It Canada, and Brazil increased their shares of global
is estimated that with continued robust premium premiums last year. Asian markets have five seats
in the Top 20 rankings, representing a 22 per cent of
growth in both the life and non-life markets, global
market share.
premiums (life and non-life) will grow by 3.2 per cent
in real terms in 2024 to USD 7.6 trillion, followed by
I.2.1.6 As per Swiss Re report, Indian insurance
some moderation to 2.6 per cent growth in 2025.
market experienced a slowdown due to rising inflation
and change in tax norms for high-ticket policies. While
Table I.5: Growth in Real Premium by Region in
the life premium volumes grew by 0.6 per cent in
the World in 2023 2023-24, the non-life insurance sector experienced
(In per cent) a growth in 2023-24, with premiums increasing by
7.9 per cent in real terms. The rising demand for term
Regions Life Non-Life Total
life covers in India is expected to boost real premium
Advanced Markets -0.7 3.6 2.0
growth by an estimated 5 per cent.
Emerging markets 7.8 5.3 6.6
Table I.6: Premium Volume by Region in the
Asia-Pacific 3.1 3.6 3.3
World in 2023
India 0.6 7.9 2.4
(in USD billion)
World 1.3 3.9 2.8 Regions Life Non-Life Total
Source: Swiss Re Sigma World Insurance Report (No. 03/2024) Advanced Markets 2,185.58 3,655.51 5,841.09
(37.42) (62.58) (100)
I.2.1.4 According to Sigma data, the United States
Emerging markets 703.41 641.67 1,345.08
remains the most prominent insurance market
(52.30) (47.70) (100)
globally, with total premiums more than USD 3 trillion
Asia-Pacific 1,062.14 699.47 1,761.61
in 2023-24. China is the second-largest market, with (60.30) (39.70) (100)
total premium of USD 724 billion. The UK moved to India 100.19 35.77 135.96
(73.68) (26.32) (100)
third place, surpassing Japan, which slipped to fourth.
World 2,889.00 4,297.18 7,186.17
France, Germany, and South Korea maintained their
(40.20) (59.80) (100)
rankings but lost market share due to negative growth
and currency devaluations. Source: Swiss Re Sigma World Insurance Report (No. 03/2024)
Figures in bracket represent per cent to total
Annual Report 2023-24 11Insurance Penetration and Density
penetration is measured as the percentage of
I.2.1.7 Insurance penetration and density are two
insurance premiums to GDP, insurance density is
metrics often used to assess the level of development
calculated as the ratio of premium to population (per
of the insurance sector in a country. While insurance
capita premium).
Table I.7: Insurance Penetration – India Vs World (% age)
Life Insurance Non-Life Insurance Total (Life+Non-Life)
Regions
2022 2023 2022 2023 2022 2023
India 3 2.8 1 1 4 3.7
World 2.8 2.9 4 4.2 6.8 7
Source: Swiss Re Sigma World Insurance Report (No. 03/2024)
Note: The data for India is for 12 months April 2023 to March 2024 (FY2023-24), whereas it is for 12 months of Calendar Year 2023 for the rest of
the World.
I.2.1.8 In 2023-24, India’s insurance penetration
was at 3.7 per cent as compared to 4 per cent in
2022-23. The insurance penetration for Life
Insurance industry marginally declined from 3 per
cent in the previous year to 2.8 per cent during 2023-
24. The penetration with respect to Non-Life
Insurance Industry remained same at 1 per cent
during 2023-24 as in 2022-23.
A long term trend in the insurance penetration and
density of India is provided in the Charts I.3 & I.4. Source: Swiss Re, Sigma World Insurance Report, various issues
(Penetration - in per cent)
Trends in penetration and densities across the world
for select countries is depicted in Charts I.5 & I.6.
Table I.8: Insurance Density– India vs World (USD)
Life Insurance Non-Life Insurance Total (Life+Non-Life)
Regions
2022 2023 2022 2023 2022 2023
India 70 70 22 25 92 95
World 354 361 499 528 853 889
Source: Swiss Re Sigma World Insurance Report (No. 03/2024)
Note: The data for India is for 12 months April 2023 to March 2024(FY 2023-24), whereas it is for 12 months of Calendar Year 2023 for the rest of
the World.
12 Annual Report 2023-24I.2.1.9 In 2023-24, the insurance density in India
showed a modest rise, increasing from USD 92 in
2022-23 to USD 95 in 2023-24. Specifically, non-life
insurance density increased from USD 22 to USD
25, while life insurance density remained stable at
USD 70. This upward trend in insurance density has
been consistent since 2016-17.
I.2.1.10 As per Swiss Re Sigma World Insurance
Note: Insurance Penetration is measured as percentage of Insurance
Report, globally insurance penetration and density
premium to GDP
were 2.9 per cent and USD 361 for the life segment Source: Swiss Re Sigma World Insurance Report (No 03/2024)
and 4.2 per cent and USD 528 for the Non-life
segment. Overall, insurance penetration and density
were 7 per cent and USD 889 respectively in 2023.
I.2.1.11 Estimates of Insurance penetration and
density in India by Swiss Re that are collated from
its yearly reports are presented. Insurance
penetration and density in selected countries are
reproduced from Swiss Re Institute report in
Statement 1 and 2, respectively.
Note: Insurance Density is measured as ratio of Insurance premium to
population
A long term trend in the insurance penetration and
Source: Swiss Re Sigma World Insurance Report (No 03/2024)
insurance density of India is provided in the Charts
I.3 & I.4. Trends in penetration and densities across
I.2.2 Appraisal of Indian Insurance Market
the world in select countries is depicted in Charts I.5
& I.6. Business Performance of Life Insurance Sector
I.2.2.1 The Life Insurance market in India has
recorded a consistent premium growth over the
years. During 2023-24, the Life insurance industry
recorded the premium income of `8.30 lakh crore
registering 6.06 per cent growth. The private sector
life insurers have clocked a growth of 15.05 per cent
in premium, while the public sector life insurer
recorded a growth of 0.23 per cent in premium.
Source: Swiss Re Sigma World Insurance Report, Various issues
(Density in USD)
Annual Report 2023-24 13I.2.2.4 Non-linked products contributed `7.08 lakh
crore, contributing 85.36 per cent of total premium
and the share of linked stood at 14.64 per cent. The
business from traditional products grew by 4.56 per
cent and the same for linked products is 15.73 per
cent.
I.2.2.5 Life insurance segment constitutes 79.88 per
cent of total life insurance premium followed by
I.2.2.2 Renewal Premium contributed to 54.41 per
Pension and Annuity segments together about 19.74
cent in total premium underwritten by Life insurers in
per cent. A detailed statement is provided at
2023-24. The balance 45.59 per cent was contributed
Statement 5.
by the New Business Premium. The growth in New
Business Premium was 1.93 per cent compared to
renewal business at 9.79 per cent. Single premium
products continue to contribute a major share for
public sector life insurer with a contribution of 38.60
per cent of its total premium while it was 22.38 per
cent for private sector life insurers. The insurer-wise
data for life insurance premium is provided in
Statement 3. The bifurcation of total premium
I.2.2.6 During 2023-24, life insurers issued 291.77
underwritten into linked and non-linked is provided
lakh new policies under Individual Business, out of
in Statement 4.
which the public sector Insurer issued 203.93 lakh
policies (69.89 per cent) and the private life insurers
issued 87.84 lakh policies (30.11 per cent). While,
the private sector insurers registered a growth of 9.23
per cent, public sector insurer reported a de-growth
by 0.18 per cent and the industry registered a growth
of 2.48 per cent in the number of new policies issued
against their previous year.
I.2.2.3 Life Insurance Corporation of India (LIC) is
the only Indian life insurer underwriting business
outside of India and collected a total premium of
`476.25 crore during 2023-24.
14 Annual Report 2023-24Table I.9: Business Performance of Life Insurers
(Amount in `Crore)
S. 2022-23 2023-24
No. Particulars Public Private Industry Public Private Industry
Sector Sector Total Sector Sector Total
1 Premium Underwritten within India (` Crore)
1(a) First Year Premium (FY) 39,089.94 70,834.75 1,09,924.69 39,037.95 76,469.86 1,15,507.81
(6.66) (-4.20) (-0.60) (-0.13) (7.96) (5.08)
1(b) Single Premium 1,92,960.65 68,340.47 2,61,301.13 1,83,633.45 79,264.19 2,62,897.64
(18.90) (62.75) (27.92) (-4.83) (15.98) (0.61)
1 (c ) New Business 2,32,050.60 1,39,175.22 3,71,225.82 2,22,671.40 1,55,734.05 3,78,405.45
(FY+Single Premium) (16.65) (20.05) (17.90) (-4.04) (11.90) (1.93)
1(d) Renewal Premium 2,42,617.54 1,68,660.61 4,11,278.15 2,53,080.52 1,98,443.49 4,51,524.01
(5.90) (13.46) (8.88) (4.31) (17.66) (9.79)
1 (e ) Total Premium 4,74,668.14 3,07,835.83 7,82,503.97 4,75,751.92 3,54,177.54 8,29,929.46
(New + Renewal) (10.90) (16.34) (12.98) (0.23) (15.05) (6.06)
2 Premium from Outside 404.78 - 404.78 476.25 - 476.25
India (` Crore)
3 New Policies Issued 204.24 80.42 284.7 203.93 87.84 291.77
under Individual (-5.96) (8.77) (-2.21) (-0.18) (9.23) (2.48)
Business (in lakhs)
4 Segment-wise Linked Non-Linked Total Linked Non-Linked Total
Premium Underwritten
(````` crore)
4 (a) Annuity - 33,637.33 33,637.33 - 36,378.09 36,378.09
4(b) Health 146.60 594.58 741.18 132.22 551.54 683.76
4 (c ) Life 91,479.51 5,05,741.57 5,97,221.08 1,06,459.45 5,56,474.15 6,62,933.60
4(d) Pension 13,329.79 1,35,295.68 1,48,625.47 14,878.13 1,12,566.13 1,27,444.26
4 (e ) Variable - 2,278.91 2,278.91 - 2,489.75 2,489.75
4(f) Total 1,04,955.90 6,77,548.07 7,82,503.97 1,21,469.80 7,08,459.66 8,29,929.46
5 Benefits Paid Public Private Industry Public Private Industry
(````` crore) Sector Sector Total Sector Sector Total
5(a) Death Claim 23,423.34 18,034.00 41,457.34 22,624.61 19,659.60 42,284.21
5(b) Maturity 1,85,043.90 27,941.45 2,12,985.34 2,08,136.42 34,562.76 2,42,699.18
5 (c ) Surrender/Withdrawal 1,11,896.15 86,943.27 1,98,839.42 1,33,803.32 95,441.88 2,29,245.20
5(d) Annuities/ Pensions 17,892.71 2,803.55 20,696.26 20,106.73 3,802.60 23,909.33
5 (e ) Others 1,056.57 21,830.19 22,886.77 1,278.07 37,605.36 38,883.43
5(f) Total 3,39,312.67 1,57,552.46 4,96,865.13 3,85,949.15 1,91,072.20 5,77,021.35
Note: 1. Figures in bracket indicates growth over the previous year in per cent.
2. Death Claim is net of Reinsurance
3. Life insurance business of Sahara India Life Insurance Company Ltd (SILIC) is transferred to SBI Life Insurance Company Ltd. (SBI Life) by
IRDAI vide its Order dt. 02.06.2023 and the above data /information for the FY 2023-24 does not include data /information pertaining to SILIC.
Annual Report 2023-24 15Financial Performance of Life Insurers by 10.79 per cent in 2023-24 with profit after tax (PAT)
of `47,407 crore as against `42,788 crore in 2022-
I.2.2.7 As of 31st March, 2024, total paid-up capital
23. The public sector life insurer reported increase
of the life insurance sector stood at `37,073 crore,
in profits by 11.75 per cent while private sector life
reflecting a 6.05 per cent increase compared to the
insurers together reported an increase in profit by
previous year. This increase was primarily attributed
5.32 per cent in 2023-24. The dividend paid (including
to `980 crore infusion of additional capital in Tata
Interim dividend) by private sector life insurers stands
AIA Life Insurance Company Limited and ` 429 crore
at `1,549.83 crore for FY 2023-24. The public sector
capital invested by the three new life insurers namely,
life insurer has paid `4,427.50 crore in dividend
Acko Life Insurance Limited, Credit Access Life
(including Interim dividend) to its shareholders for
Insurance Limited and Go Digit Life Insurance
the year 2023-24.
Limited. Further, eight other life insurers injected an
additional `707 crore into the life insurance industry.
Consequently, the net impact on the total paid-up
capital for the fiscal year 2023-24 was an increase
of `2,116 crore.
During the year, two private sector life insurers have
raised a total of amount of `299.50 crore under Other
Forms of Capital. As on 31st March, 2024, the total
amount of Other Forms of Capital with life insurers I.2.2.10 IRDAI (Expenses of Management of
was `5,231.50 crore. Insurers Transacting Life Insurance Business)
Regulations, 2023 prescribe the allowable limits of
I.2.2.8 Investment income (Policyholder’s and
expenses of management taking into account, inter
Shareholder’s) including capital gains and other
alia the type and nature of product, premium paying
Income of life insurance industry increased by 59
term and duration of insurance business. During the
per cent to `6.19 lakh crore as on 31st March 2024.
year 2023-24, out of 26 life insurers, 17 were
While the public sector life insurer recorded 21.29
compliant with the aforementioned regulations. Eight
per cent growth, private sector life insurers
life insurers had exceeded the limits of expenses on
experienced 220.12 per cent growth in investment
an overall basis in Par and Non-Par (including Linked)
income in the year 2023-24.
business and their request for forbearance is under
examination. The life insurance industry reported total
I.2.2.9 During 2023-24, 18 life insurance companies
expenses of management of `1.40 lakh crore during
reported profits. Profits of life insurance industry grew
2023-24 which was 16.94 percent of total premium.
16 Annual Report 2023-24I.2.2.11 During 2023-24, life insurers paid total I.2.2.12 The operating expenses of the life insurers
amount of `51,524 crore as commission. The
decreased by 0.45 per cent to `89,044 crore in 2023-
commission expenses ratio (commission expenses
24 and operating expenses ratio (operating expenses
expressed as a percentage of premium) increased
as a per cent of gross premium underwritten) of life
to 6.21 per cent in 2023-24 from 5.41 per cent in
insurance industry decreased from 11.43 per cent in
2022-23. However, total commission outgo increased
by 21.74 per cent (total premium growth 6.06 per 2022-23 to 10.73 per cent in 2023-24.
cent) during 2023-24 as compared to previous year.
Table I.10: Financial Performance of Life Insurers
(in ` Crore)
2022-23 2023-24
S. No. Particulars Public Private Industry Public Private Industry
Sector Sector Total Sector Sector Total
1 Paid up Capital
1(a) Beginning of the FY 6,325.00 29,221.75 35,546.75 6,325.00 28,632.05 34,957.05
1(b) Additions during the FY 0 (-)589.70 (-)589.70 2,116.50 2,116.50
1 (c) End of the Financial Year 6,325.00 28,632.05 34,957.05 6,325.00 30,748.55 37,073.55
2 Commission Expenses
2(a) First Year Commission 12,558.62 11,872.05 24,430.67 12,358.00 17,291.90 29,649.90
Increase over PY in per cent 15.96 39.17 26.19 -1.60 45.65 21.36
2(b) Commission on
Single Premium 514.77 1,085.84 1,600.61 485.56 4,079.03 4,564.59
Increase over PY in per cent 0.27 1.59 0.61 -5.67 275.66 185.18
2(c) New Business
Commission (a+b) 13,073.39 12,957.88 26,031.28 12,843.56 21,370.93 34,214.49
Increase over PY in per cent 5.63 9.31 7.01 -1.76 64.93 31.44
2 (d) Renewal Commission 12,506.97 3,783.67 16,290.65 13,115.56 4,194.00 17,309.56
Increase over PY in per cent 5.16 2.24 3.96 4.87 10.84 6.25
2(e) Total Commission (c+d) 25,580.37 16,741.56 42,321.92 25,959.12 25,564.93 51,524.05
Increase over PY in per cent 5.39 5.44 5.41 1.48 52.70 21.74
3 Operating Expenses 48,145.60 41,297.02 89,442.62 48,121.68 40,922.23 89,043.91
Increase over PY in per cent 10.14 13.42 11.43 -0.05 -0.91 -0.45
4 Investment Income 3,15,189.00 73,873.00 3,89,062.00 3,82,286.91 2,36,484.56 6,18,771.47
5 Profit after Tax 36,397 6,391 42,788 40,675.79 6,731.49 47,407.28
6 Dividend Paid (including 948.75 1229.91 2,178.66 4,427.50 1,549.83 5,977.33
Interim dividend)
Annual Report 2023-24 17Benefits paid by Life Insurers 15.29 per cent to `2.29 lakh crore in 2023-24 of which
public sector life insurer accounted for 58.36 per cent.
I.2.2.13 The life insurance industry paid total benefits During the year under review, out of the total
of `5.77 lakh crore in 2023-24 which constitutes surrender benefits, benefits for linked policies
70.22 per cent of the net premium. The benefits paid accounted for 33.21 per cent for private sector life
on account of surrenders / withdrawals increased by insurers and 1.04 per cent for the public sector life
insurer.
Table I.11: Actual Death Claims of Life Insurers
(in ` Crore)
Total Claims Claims Claims Claims Claims
Segment Particulars Claims paid Repudiated rejected Unclaimed pending at
end of FY
Individual Number of Policies 10,00,045 9,82,615 10,375 6,033 564 458
Business In Per cent 100 98.26 1.04 0.60 0.06 0.05
Amount Paid 30,224 28,868 865 28 48 414
In Per cent 100 95.51 2.86 0.09 0.16 1.37
Group Number of Lives 14,86,853 14,80,087 4,206 253 1 2,306
Business In Per cent 100 99.54 0.28 0.02 0.00 0.16
Amount Paid 20,221 19,644 443 10 0 123
In Per cent 100 97.15 2.19 0.05 0.00 0.61
Note: 1. Claims rejected are those claims that cannot be considered due to policy terms and conditions.
2. Claims repudiated are claims that cannot be considered as per the provisions of section 45 of Insurance Act, 1938.
Appraisal of Non-Life Insurance Market standalone health insurers) have underwritten `1.88
lakh crore as against `1.58 lakh crore in 2022-23.
Business Performance of General, Health and Out of all non-life insurers, 24 private insurers
Specialized Insurance Sector (including standalone health insurers) operating in
the year 2023-24, reported an increase in premium
I.2.2.14 During 2023-24, the non-life insurance
underwritten as compared to the previous year. The
industry underwrote a total direct premium of `2.90
specialized insurers underwrote gross direct premium
lakh crore in India registering a growth of 12.76 per
amounting to `11,211 crore. The public sector
cent from previous year. The contribution of Public
general insurers together contributed to 35.03 per
Sector General insurers increased by 8.88 per cent
cent of the market share while the private sector
from `82,891 crore in 2022-23 to `90,252 crore in
general insurers contributed to the remaining 64.97
2023-24. Private sector insurers (including
per cent.
18 Annual Report 2023-24I.2.2.16 Among various segments under non-life
insurance business, health insurance business is the
largest segment with a contribution of 40.29 percent
(38.02 percent in 2022-23) of the total premium.
Health Insurance Segment reported growth of 19.50
percent (21.32 percent growth in 2022-23). The Motor
segment witnessed a year-on-year growth of 12.91
percent with premium collection amounted to
`91,780 crore in 2023-24 from `81,280 crore of
2022-23. The share of the Motor segment in the total
I.2.2.15 Three public sector insurers other than United premium marginally increased to 31.68 percent from
India Insurance are underwriting general insurance 31.64 percent of previous year. The premium
business outside India. The total premium collection in fire segment increased by 7.27 percent
underwritten outside the country by these three public and in Marine segment increased by 0.65 percent in
sector insurers stood at `3,939 crore in 2023-24 as 2023-24.
against `3,434 crore in 2022-23 registering a growth
of 14.72 percent.
Table I.12: Business Performance of General, Health & Specialised Insurers
(Amount in ` crore)
S. 2022-23 2023-24
Particulars
No. Public Private SAHI Specialized Industry Public Private SAHI Specialized Industry
Sector Sector Insurers Total Sector Sector Insurers Total
1 Gross Direct 82,891.26 1,31,941.83 26,243.85 15,817.32 2,56,894.27 90,252.13 1,55,090.19 33,119.30 11,211.34 2,89,683.22
Premium (10.47) (20.22) (25.77) (5.12) (16.4) (8.88) (17.55) (26.20) (-29.12) (12.76)
within India
2 Gross Direct 86,324.81 1,31,941.83 26,243.85 15,817.32 2,60,327.82 94,191.20 1,55,090.19 33,119.30 11,211.34 2,93,622.30
Premium within (10.2) (20.22) (25.77) (5.12) (16.22) (9.11) (17.55) (26.20) (-29.12) (12.79)
& outside India
3 Segment-Wise Premium (Within India)Underwritten
3a Fire 8,889.69 15,046.44 NA NA 23,936.12 9,223.41 16,443.11 NA NA 25,666.52
3b Marine 2,155.49 2,903.17 NA NA 5,058.66 2,157.53 2,933.96 NA NA 5,091.49
3c Motor 23,689.90 57,590.14 NA NA 81,280.04 25,817.49 65,963.05 NA NA 91,780.54
3d Health (including 41,172.21 30,247.44 26,243.85 NA 97,663.50 43,567.17 40,007.47 33,119.30 NA 1,16,693.95
Personal Accident)
3e Others 6,983.97 26,154.66 NA 15,817.32 48,955.94 9,486.54 29,742.60 - 11,211.34 50,440.48
3f Total 82,891.26 1,31,941.83 26,243.85 15,817.32 2,56,894.27 90,252.13 1,55,090.19 33,119.30 11,211.34 2,89,672.97
4 Policies Issued 603.74 1,699.84 138.26 576.26 3,018.1 645.72 2,004.72 151.11 558.32 3,359.88
(in lakhs) (-4.46) (19.41) (9.78) (21.24) (13.6) (6.95) (17.94) (9.29) (-3.11) (11.32)
5 Net Incurred 70,643.49 60,201.57 12,787.28 5,680.40 1,49,312.74 77,970.83 73,084.55 16,630.62 4,604.46 1,72,290.45
Claims
Note: Figures in brackets indicate growth percentages.
Annual Report 2023-24 19Financial Performance of General, Health
Insurers and Specialised Insurers
I.2.2.17 As of 31st March, 2024, the combined paid-
up capital of all non-life insurers amounted to `42,245
crore, an increase from the previous year’s amount
of `40,375 crore. Over the course of 2023-24,
general and health insurers added `1,870 crore to
their equity capital base. Private sector general
insurers infused `1,065 crore in the financial year,
while standalone health insurers injected capital
I.2.2.20 During the financial year 2023-24, one private
amount of `805 crore.
insurer was under exemption period of the norms
pertaining to expenses of management (EoM) as the
I.2.2.18 During the financial year 2023-24, the
insurer was yet to complete its first five years of
General insurance companies have raised Other
operations. Out of remaining insurers, 16 insurers
Forms of Capital amounting to `1,687 crore. Total
were compliant. 15 insurers were non-compliant and
under other forms of capital as on 31st March 2024 is their request for forbearance is under examination.
`6,014 crore. In case of Reliance Health Insurance Ltd., its
business portfolio has been transferred to Reliance
I.2.2.19 Commission expenses and operating General Insurance Co. Ltd and two new insurers
expenses constitute a major part of the total namely Narayana Health Insurance Limited & Galaxy
expenses. The gross commission expenses of public Health and Allied Insurance Company Limited have
not started their operations in FY 2023-24.
sector general insurers, private general insurers,
standalone health insurers and specialized insurers
I.2.2.21 The investment income of all non-life
stood at `7,359 crore, `26,235 crore, `5,940 crore
insurers during 2023-24 was `44,129 crore (`38,839
and `66 crore respectively for 2023-24, thus crore in 2022-23) registering a growth of 13.62
cumulatively amounting to a total gross commission percent. The growth in investment income of public
expense of `39,601 crore for the non-life insurance sector insurers, private sector insurers, standalone
health insurers and specialized insurers was 3.40
industry. The operating expenses of non-life insurers
per cent, 24.49 percent, 37.74 percent and 10.66
stood at `38,653 crore in 2023-24 as against
percent respectively.
`54,862 crore in 2022-23, showing an overall
decrease of 29.55 percent. The operating expenses I.2.2.22 The underwriting losses of non-life insurers
of public sector general insurers, private general decreased to `28,555 crore in 2023-24 (`32,797
insurers, standalone health insurers and specialized crore in the previous year). The losses decreased
by 12.93 percent over the previous year. The public
insurers stood at `14,658 crore, `17,482 crore,
sector insurers’ underwriting losses constituted 66
`5,765 crore and `747 crore respectively for 2023-
per cent of non-life industry losses amounting to
24.
20 Annual Report 2023-24`18,862 crore and remaining by private sector profit of `157 crore. The profit after tax for private
insurers amounting to `10,758 crore. Standalone sector general insurers was `5,983 crore, specialized
health insurers reported an increase in underwriting insurers was `3,063 crore and the standalone health
losses in 2023-24 which is `723 crore as compared insurers was `915 crore.
to underwriting loss of `529 crore in 2022-23. The
I.2.2.24 During the year 2023-24, public sector
underwriting profit of Specialized insurers increased
general insurers paid dividend of `318.06 crore and
to `1,788 crore in 2023-24 from `1,747 crore in
six private sector general insurers collectively paid
2022-23.
dividends amounting to `1,403.50 crore and
I.2.2.23 During the year 2023-24, the aggregate specialised insurers paid dividend of `40 crore. None
profit of the non-life insurance sector increased to of the Standalone Health Insurers paid dividend
`10,119 crore as against a net loss of `2,566 crore during FY 2023-24.
in 2022-23. The public sector companies reported a
Table I.13: Financial Performance of General, Health and Specialised Insurers
(in ` crore)
S. Particulars 2022-23 2023-24
No. Segments Public Private SAHI Specialized Total Public Private SAHI Specialized Total
Sector Sector Insurers Sector Sector Insurers
1 Paid-up Capital of General, Health and Specialised Insurers
At the beginning
of the FY 18,724.00 10,341.76 4,639.33 4,150.00 37,855.09 18,724.00 12,033.19 5,080.10 4,538.00 40,375.29
Additions during
the year 0.00 1,691.43 440.77 388.00 2,520.20 0.00 1,064.86 805.18 0.00 1,870.04
End of the FY 18,724.00 12,033.19 5,080.10 4,538.00 40,375.29 18,724.00 13,098.05 5,885.29 4,538.00 42,245.34
2 Commission Expenses
2(a) Fire 1,051.91 1,322.54 NA NA 2,374.45 1,224.28 1,944.19 NA NA 3,168.48
2(b) Marine 193.40 324.00 NA NA 517.4 201.57 411.61 NA NA 613.19
2(c) Motor 2,355.06 4,890.36 NA NA 7,245.42 3,099.07 16,578.20 NA NA 19,677.27
2(d) Health 1,958.56 2,732.89 3486.64 NA 8,178.09 1,926.58 5,570.75 5,939.98 NA 13,437.31
2(e) Others 781.96 922.54 NA 124.84 1,829.34 907.66 1,730.46 NA 66.21 2,704.33
Total 6,340.89 10,192.33 3,486.64 124.84 20,144.70 7,359.16 26,235.22 5,939.98 66.21 39,600.56
3 Operating
Expenses 21,012.59 27,169.30 5,955.18 719 54,856.06 14,658.09 17,482.14 5,765.17 747.42 38,652.83
4 Investment
Income 19,655.63 15,585.69 1,551.59 2,046.48 38,839.38 20,324.02 19,403.36 2,137.10 2,264.55 44,129.04
5 Profit After Tax -10,607.44 4,664.69 447.21 2,929.84 -2,565.70 157.34 5,983.35 914.75 3,063.28 10,118.72
6 Underwriting
profit/losses -25,316.56 -8,698.81 -528.8 1,746.69 -32797.47 -18,862.47 -10,758.37 -722.82 1788.39 -28,555.27
7 Dividends Paid 49.44 1166.21 0.00 40.00 1,255.65 318.06 1403.50 0 40.00 1,761.56
Note: NA- Not Applicable
Annual Report 2023-24 21Claims of General Insurers, Health Insurers and 97.23 percent for the year 2023-24 as against the
Specialised Insurers: previous year’s incurred claims ratio of 99.02 percent.
Whereas, the incurred claims ratio for the private
I.2.2.25 During 2023-24, the aggregate net incurred
sector general insurers, standalone health insurers
claims reported an increase by 15.39 per cent over
and specialized insurers were at 76.49 percent, 63.63
the previous year amounted to `1.72 lakh crore
percent and 66.58 percent respectively for the year
(`1.49 lakh crore during previous year). Separately,
2023-24 as compared to the previous year’s ratio of
the public sector general insurers, private sector
75.13 percent, 61.44 percent and 73.71 percent
general insurers and standalone health insurers
respectively.
reported an increase of 10.37 per cent, 21.4 per cent
and 30.06 per cent respectively, while the specialized
insurers reported a decrease in the incurred claims
by 18.94 per cent.
I.2.2.26 The incurred claims ratio (net incurred
claims to net earned premium) of the non-life
insurance industry was 82.52 per cent during 2023-
24 as against 82.95 per cent of previous year. The
incurred claims ratio for public sector insurers was
Table I.14: Segment-wise Incurred Claims Ratio of General, Health and Specialised Insurers
S. Parti- 2022-23 2023-24
No. culars Public Private Stand Specialized Total Public Private Stand Specialized Total
Sector Sector -alone Insurers Sector Sector -alone Insurers
Health Health
Insurers Insurers
a Fire 66.21 44.11 NA NA 57.99 83.46 69.67 NA NA 78.33
b Marine 56.89 87.90 NA NA 75.13 54.01 83.50 NA NA 72.39
c Motor 102.55 75.60 NA NA 84.48 99.57 73.30 NA NA 81.98
d Health 105.77 80.09 61.44 NA 87.27 103.16 83.49 63.63 NA 86.35
e Others 78.15 69.58 NA 73.71 73.10 75.26 74.98 NA 66.58 72.78
Total 99.02 75.13 61.44 73.71 82.95 97.23 76.49 63.63 66.58 82.52
Note: NA- Not Applicable
I.2.2.27 During FY 2023-24 General Insurers
including Specialized insurers have paid total claims
(excl. health insurance business) amounting to
`1,01,050 crore. Out of this private general insurers
have paid 55 per cent i.e. `55,524 crore, whereas
PSU general insurers paid 32 per cent i.e. `32,131
crore. Specialized Insurers paid `13,396 crore i.e.
13 per cent.
22 Annual Report 2023-24Table I.15 Line of Business-wise Claims paid by General Insurers (excl. Health Insurance Business)
in ` Crores
Line of Business (LOB) PSUs Private - excluding SAHI Specialised
Fire 4,696 5,791 -
Marine (Cargo) 659 1,797 -
Marine (Hull) 380 59 -
Aviation 85 110 -
Engineering 684 771 -
Motor OD 8,858 18,420 -
Motor TP 14,233 13,517 -
Liability insurance 194 886 -
Crop Insurance 1,251 12,408 12,938
Credit Insurance 49 91 450
All Other Miscellaneous 1,042 1,674 7
Total 32,131 55,524 13,396
Places of Business of Insurers
I.2.2.29 As at 31st March, 2024, the public sector life
insurer had offices in 696 districts out of 785 districts
Life Insurance Sector
in the country, covering 89 per cent of districts in the
country, whereas the private sector life insurers had
I.2.2.28 The number of life insurance offices stood
offices in 621 districts covering 79 per cent of all
at 11,517 as on 31st March, 2024 which is 261 more
districts in the country. The public and private insurers
than the previous year. Around 60 per cent of life
together have covered around 90 per cent of all
insurance offices are located in Tier I centres where
districts in the country. In 20 out of 36 states/ UTs,
the population is one lakh and above. About 0.77
all the districts were covered through life insurance
per cent of life Insurance offices are in Tier VI centres
offices. The number of districts without a life
with a population of less than 5,000.
insurance office stood at 80 in the country, out of
which 73 districts belong to the north eastern states.
Table I.16: Offices of Life Insurers
As on 31st March, 2023 As on 31st March, 2024
Location Public Private Total Public Private
Sector Sector Sector Sector Total
Tier I 1,855 4,834 6,689 1,858 5,024 6,882
Tier II 562 749 1,311 562 786 1,348
Tier III 1,360 496 1,856 1,360 515 1,875
Tier IV 1,043 114 1,157 1,043 120 1,163
Tier V 126 31 157 126 34 160
Tier VI 55 31 86 55 34 89
Total 5,001 6,255 11,256 5,004 6,513 11,517
Tier I - Population 1,00,000 & Above Tier II - Population of 50,000 to 99,999 Tier III - Population of 20,000 to 49,999
Tier IV - Population of 10,000 to 19,999 Tier V - Population of 5,000 to 9,999 Tier VI - Population less than 5,000
Annual Report 2023-24 23Table I.17: Offices of General, Health and Specialized Insurers
As on 31st March 2023 As on 31st March 2024
Location
Public Private SAHI Specialized Total Public Private SAHI Specialized Total
Tier I 3,477 2,449 1,220 72 7,218 3,296 2,579 1,325 73 7,273
Tier II 783 170 177 - 1,130 711 270 186 0 1,167
Tier III 781 48 107 - 936 658 71 118 0 847
Tier IV 405 14 22 - 441 320 21 27 0 368
Tier V 124 16 0 - 140 114 13 0 0 127
Tier VI 42 9 1 - 52 38 0 1 0 39
Total 5,612 2,706 1,527 72 9,917 5,137 2,954 1,657 73 9,821
General & Health Insurance Sector I.2.2.31 As on 31st March, 2024, 5,948 (72.86 per
cent) offices of general insurers are located in Tier
I.2.2.30 As on 31st March, 2024, the general
I areas having population more than 1,00,000.
insurers were operating from 8,164 offices
There are 981 (12.02 per cent) offices of general
(excluding standalone health insurers) as against
insurers located in Tier II areas having population
8,390 offices for FY 2022-23, all over the country.
between 50,000 to 99,999. There are 728 (8.92
When compared to the previous FY, for Public
per cent) offices of general insurers located in Tier
sector general insurers there is decrease of 475
III areas having population between 20,000 to
offices, for Private sector general insurers there is
49,999. There are 341 (4.18 per cent) offices of
increase of 246 offices and for Specialized insurers
general insurers located in Tier IV areas having
there is increase of 1 office. Overall there is
population between 10,000 to 19,999. 127 (1.56
decrease of 226 general insurance offices
per cent) offices of general insurers are located in
(excluding standalone health insurers) as
Tier V areas having population between 5,000 to
compared to previous FY.
9,999.38 (0.47 per cent) offices of general insurers
are located in Tier VI areas having population below
5,000.
24 Annual Report 2023-241.2.2.32 As on 31st March 2024, the number of offices I.4 Policies and Measures to Develop Insurance
of stand-alone health Insurers (SAHI) stood at 1,657 Market
while the same was 1,527 as on 31st March, 2023.
I.4.1 Modification on Surety Insurance Guidelines
As such, during FY 2023-24, there is an increase of
130 offices of SAHI companies. As per tier-wise
I.4.1.1 Vide circular dated 15th May, 2023 the Surety
classification of offices, it is observed that 80 per cent
Insurance Guidelines, 2022 were amended. The
of offices (1,325 offices) are located in Tier-I cities,
guidelines prescribed under clause 6.1 (a) that a
11 per cent of the offices (186 offices) are located in
General insurer can underwrite surety business when
Tier-II cities, 7 per cent of the offices (118 offices) the solvency margin is maintained above 1.25 times
are located in Tier-III cities and 2 per cent of the the control level of solvency. This requirement is
offices (27 offices) are located in Tier-IV cities. There withdrawn in order to enable all General insurers to
are no offices of standalone health insurers in Tier-V offer surety insurance products in the wake of
cities. There is one office in Tier-VI cities. expanding the scope of surety insurance to all
commercial and contractual surety requirements.
I.3 Registered Insurers/Reinsurers Further the limit of guarantee restricted to 30 per
cent of the contract value under 6.4 (d) of the
I.3.1 As at 31st March, 2024, the total number of
guidelines, is removed in order to meet the
registered insurers and reinsurers was 73. There requirements of contracts.
were 26 Life Insurers, 25 General Insurers, and 7
Standalone health insurers operating in India. The These changes were aimed to enhance the
accessibility of surety insurance products and
list of registered insurers and re-insurers is provided
encourage more insurers to participate in servicing
at Annexure 1.
the growing demand across various sectors of the
Table I.18: Number of Registered Insurers economy, particularly the infrastructure sector.
and Reinsurers
I.4.2 Modification of Trade Credit Insurance
Public Private Total Guidelines
Type of Insurer
Sector Sector
I.4.2.1 IRDAI issued guidelines on trade credit
Life 1 25 26
insurance in September, 2021 to protect business
General 4 21 25 against the risk of non-payment for goods and
Specialized 2 - 2 services by buyers. The Guidelines set out the
regulatory framework that facilitated trade credit
Standalone Health - 8 8
insurance covers to suppliers as well as to banks
Reinsurers/ FRBs 1 11 12
and other financial institutions.
Total 8 65 73#
IRDAI examined the feasibility of Trade Credit
Note: The IRDAI vide order ref. No. IRDA/F&A/ORD/SOLP/200/11/2019 Insurance cover against “reverse factoring”
dated November 06, 2019 issued directions to Reliance Health
Insurance Ltd. to stop selling new policies. transactions on TReDS platforms. Trade Credit
Life insurance business of Sahara India Life Insurance Company Ltd Insurance cover is provided to the financiers to cover
(SILIC) is transferred to SBI Life Insurance Company Ltd. (SBI Life) by
IRDAI vide its Order dt. 2.6.2023. default of the buyer against the invoices financed on
# The above list includes both Reliance Health Insurance Ltd. & Sahara TReDS platform. IRDAI (Trade Credit Insurance)
India Life Insurance Co. Ltd.
Annual Report 2023-24 25Guidelines, 2021 allows single Invoice covers through insurance policy in simple language in a snapshot
bill discounting / factoring on Invoice discounting e- which, among others, includes details such as policy
Platforms such as TReDS. However, it restricts cover name, coverage, waiting periods, limits, exclusions,
against reverse factoring transactions to participate and key concepts.
as “Fourth Participant” in TReDS.
I.4.4 Modification in Product for PWD, Persons
It is observed that Reverse Factoring has over 50 afflicted with HIV/AIDS and those suffering from
per cent share of TReDS business volume and the Mental Illness
delinquency in both factoring and reverse factoring
I.4.4.1 The circular with reference no. IRDAI/HLT/
transactions on TReDS is low at sub 0.1 per cent.
CIR/MISC/58/02/2023 has been modified to provide
Considering this and the benefit to MSMEs in getting
equal choice to policyholders for choosing either
quick finance on TReDS platforms, trade Credit
allopathic or AYUSH treatments. The provision now
insurance covers are allowed for reverse factoring
allows coverage of expenses incurred for AYUSH
transactions on TReDS platforms only by making
inpatient treatments up to 100 per cent of the Sum
amendment dated 9th October, 2023 to Para 5.3 A of
Insured.
the guidelines.
I.4.5 Modification to the Master Circular to
I.4.3 Customer Information Sheet
Unclaimed Amounts of Policyholders
I.4.3.1 To empower policyholders with deeper
I.4.5.1 The increasing unclaimed amounts with the
understanding of their insurance coverage, IRDAI
insurers has been identified as a regulatory concern.
mandated issuance of a concise and updated As such, the master circular dated 17th November,
Customer Information Sheet (CIS) to the 2020, IRDA/F&A/CIR/MISC/202/11/2020 was
policyholders. The CIS is designed to provide modified. A detailed write-up on the unclaimed
policyholders all important information about their
amounts is placed at Box Item I.1.
POLICIES AND MEASURES TO DEVELOP INSURANCE MARKET
26 Annual Report 2023-24BOX I.1
EFFORTS TOWARDS REDUCTION OF UNCLAIMED AMOUNTS
The Unclaimed Amounts of Life Insurers at the beginning of the FY2023-24 was `22,237 Crore. In order to
reduce the unclaimed amounts, expedite refunds to consumers and to contain the further accumulation of
unclaimed amounts with the insurers, a special drive was initiated by IRDAI for a period of 6 months during
June 2023 to November 2023 and the progress of clearance of unclaimed amounts lying with the life insurers
during this period was monitored on a monthly basis. A net reduction of `1,018.23 crore was witnessed in
respect of life insurers during this special drive period. For the benefit of consumers, modification to ‘Master
circular on Unclaimed Amount’s was issued on 16th February, 2024 for proper identification and efficient
disbursement of the unclaimed amounts, modifying few definitions including that of ‘unclaimed amount’ and
suggested measures for adoption by insurers towards reduction of existing unclaimed amounts and to contain
further accumulation of the unclaimed amounts.
Measures suggested for adoption by the insurers:
For reduction of existing unclaimed amounts To arrest future accumulation
i) Prompt existing policyholders at the time of i) Make accountable the respective agents,
payment of renewal premium (online/offline) to intermediaries, group master policyholders and
update their mobile number, email address, current other distribution channels involved in the
address, bank account details, nominee details etc, solicitation for tracing of consumers and update
by flashing existing details and send intimations the contact details, bank account details etc.
accordingly
ii) Put in place fool-proof systems to automatically
ii) Undertake ongoing KYC for existing policies, Re- validate mobile numbers and email addresses of
KYC of minors on immediately attaining majority. existing and new consumers to ensure that these
details are not of their distribution channels.
iii) Engage with Credit Bureaus, Account Aggregators,
CSC/POS, e-commerce portals for tracing iii) To make provisions in the insurer’s website/portal/
consumers. App to enable policyholders to update their contacts
including Email-ids, bank account details and
iv) Advertise in Print/Digital media to reach out to
nominee details at any point of time with secure
consumers who are not traceable.
login.
v) In all communications (except in respect of
iv) Send advance notifications in respect of maturity
termination/exit of contracts) sent to consumer,
claims and survival benefits at least 6 months in
include a foot-note advising consumer to update
advance, through all possible modes, and advise
contact details, nominee details and bank account
them to provide KYC/Bank details; follow-up
details in case of any change.
notifications may be sent every 2 months thereafter
to customers who have not responded.
v) Develop online tool for processing and payment of
unclaimed amounts once the consumers identify
the amounts due to them in the websites of insurers
vi) Put in place appropriate systems and controls to
address fraudulent claims and practices
Additionally, web-links to the insurers’ websites are made available in the Bima Bharosa portal of the IRDAI which
facilitates consumers to search unclaimed amounts across the insurers. The Unclaimed Amounts of Life Insurers at
the end of the FY2023-24 was `20,062 Crore.I.5 Research and Development Activities • WhatsApp Conversational Platform driven by
intelligent AI, revolutionized customer
Every year insurers carry out various research and
interactions with instant policy issuance,
development activities to promote ease of
automated claims processing, and personalized
accessibility, understanding and usage of insurance
24/7 support.
solutions for consumers. Below are some of the
innovative activities/initiatives undertaken by • AI-based propensity models for sales and risk
insurance companies during 2023-24: management, aiding in product
recommendations, efficiency in renewal
Life Insurers
collection, and minimizing fraud and early claims
risks.
• Introduction of AI based conversation
intelligence platform using advanced NLP
• Using Generative AI to analyze customer data
(Natural Language Processing) and Machine
to send personalized communication, analyze
Learning to convert conversations into
market trends and customer demographics
actionable insights.
thereby enhancing customer satisfaction.
• Introduction of Voice analytics using Artificial Generative AI integration in chatbot to avoid
Intelligence (AI) / Machine Learning (ML) to manual integration of static FAQs.
automate quality evaluation of calls, assessing
• Implementation of AI-based Voice IVR system
parameters like call center quality, customer
for inbound contact centres, enabling customers
mood, predictive Customer Satisfaction Score
to verbally interact in English, Hindi, and
(CSAT), escalation flags, repeat probability,
theme-based analysis, and agent performance. Hinglish.
• Implementation of Underwriting Co-pilot for • Development of Research Library tool curating
system-driven checks in financial and medical a vast repository of research materials, providing
underwriting, leveraging AI/ML and Optical insights from numerous reports and emotional
Character Recognition (OCR) technologies to context for informed decision-making.
provide relevant suggestions and streamline
• Post Issuance Profile Verification (PIPV)
decision-making processes.
Analytics to identify suspicious policies
• Crafting of engaging and relatable social media immediately after issuance, improving fraud
campaigns by utilizing AI-generated images that detection and reducing investigation costs
resonate with consumers. associated with PIPV.
• Exploration of Generative AI/Large Language • Claim Fraud Detection Model to flag potentially
Models (LLMs) for document summarization, fraudulent early death claims based on risk
key points extraction, content retrieval, and propensity, integrated into real-time assessment
creation to streamline operations and reduce processes to expedite claim evaluations and
manual efforts. enhance fraud detection capabilities.
28 Annual Report 2023-24• Series of customized researches to understand • Enabling customers to manage service requests
and identify the needs, aspirations and barriers through a Do-It-Yourself (DIY) and paperless
of the underserved customer cohorts such as process.
working women, gig workers, Gen Z jobbers,
• Integration with Ayushman Bharat Health
etc. towards providing adequate insurance
Account (ABHA) ecosystem for creating ABHA
cover.
IDs to facilitate sharing of medical records,
• Surveys in the fields of short term and long term enhancing service efficiency.
financial goals of customers such as retirement
• Launch of corporate connect program to foster
planning, wealth creation and management,
innovation and collaboration, to build future
protection insurance, etc. that enable developing
ready capabilities by reaching to new age
a well-knit social security eco system.
companies, start-ups, fintechs, etc.
• Research on female customers to delve into their
• Introduction of digital self-service options
behavioral patterns, psychological insights, and
through Bot and WhatsApp, empowering
social media habits, deriving valuable
customers to manage their services
perspectives on various aspects of their lives
independently through a convenient mobile app.
like education, profession, personal mile-stones
that influence their decision of purchasing
• Automation of customer service email response
appropriate insurance solutions.
using NLP (Natural Language Processing)
technology.
• Survey to delve deep into the aspirations of the
Indian population, redefining insurance roles to
• Enhancing customer touchpoints with Voice bot
support customers in achieving life goals.
services for a seamless experience.
• Launch of app to revolutionize sales team
• Progressive Web App (PWA) revolutionized
operations in the digital age, enhancing
digital on boarding by offering a flexible,
customer experiences with CRM integration,
collaborative, and user-centric platform that
cloud-calling for direct engagement, and smart
adapts to the evolving needs of users and
nudges for service opportunities.
partners alike.
• Implementation of claims system for faster
• Introduction of Fuzzy Match Tool (FMT) for
processing, offering customers a paperless
comparing customer names across platforms,
journey and real-time claim status updates via
reducing processing time and errors in
the customer app.
underwriting.
• Introduction of platform for distributors and
• Leveraging the power of Robotic Process
frontline sales, enabling faster and paperless
Automation (RPA) to build capacity, reduce
processing of customer service requests.
Annual Report 2023-24 29errors and processing times by automating high- • Claims resolution sessions to facilitate
volume and repetitive tasks. transparency and customer confidence by
reviewing claims decisions in virtual meetings
General & Health Insurers
with doctors.
• Introduction of Digital Health Assessment
• Innovating with drone technology for precise
Platform (DHAP) to revolutionize health vitals
crop assessment and launching a farmer-centric
screening using AI and machine learning to
app for streamlined insurance management.
compute key body vitals, optimize signal-to-
noise ratios, and conduct remote photo • Study to understand the perceptions of farmers
plethysmography for face scans. about existing crop insurance schemes and to
access the scope for integrated insurance
• AI capabilities to enhance pre-inspection, claims
services.
processing, and fraud detection through image/
video analysis and live video streaming, reducing • Portal for SME customers providing a seamless
settlement times and fraud risks significantly. user experience using integrated communication
tools for policy purchase, management and
• Application of AI and ML to enhance motor
claims processing.
underwriting processes by analyzing driving
behavior data alongside historical claims data. • Development of touchpoints to offer self-service
options (Do-It-Yourself) to customers, allowing
• Application of Generative AI focused on
them to address specific queries independently
summarizing and contextualizing motor claims
through automated processes.
form data, simplifying hospital discharge data
and deploying intelligent chatbot for customer • Development of scoring engines for different
queries. user personas for tailored service
recommendations for policyholders and claims
• Development of AI-powered SME insurance
processing.
platform to generate insurance quotes by
analyzing unstructured documents like emails • Integration of geospatial intelligence in risk
and PDF quote slips. underwriting for enhanced risk segmentation in
retail and corporate sectors.
• Conversational Claim Bot and Smart Crop Claim
System for efficient end-to-end processing of • Cloud-based calling for facilitating seamless
crop claims using Automatic Speech interaction between motor claims customers and
Recognition (ASR), Natural Language service personnel to improve overall customer
Processing (NLP), Dialog Management and service.
voice analytics.
30 Annual Report 2023-24• Transition to open data architecture on cloud procedures and best practices to fulfil their
platforms leading to cost and time efficiencies obligations, including prompt grievance resolution
with multi-language programming capabilities. with a focus on policyholder needs.
• Cyber retail product across digital platforms to I.6.1.2 To protect the interest of the policyholders of
address widespread cyber risks with initiatives Sahara India Life Insurance Company (SILIC), in
like doorstep repair, repair by night, and self- exercise of powers under sub-section (2) of Section
survey options for motor insurance aim to ensure 52B of the Insurance Act, 1938, the IRDAI transferred
convenience and satisfaction for customers. the life insurance business of SILIC to SBI Life
Insurance Company Ltd on 2nd June, 2023. A detailed
• Collaborations with InsurTechs to enable policy
order was issued on 2nd June, 2023 which came in
issuance with real-time validations, enhancing
to effect immediately. SBI Life was directed to take
customer experience.
adequate steps to reach out to the policyholders of
SILIC, with regard to servicing of policies. Pursuant
• Enhanced mobile app functionality to not only
to this SBI Life taken over the policy liabilities of
feature claim status, but also initiate claim
around two lakh policies of SILIC, backed by the
process, resolve pendency & estimate closure.
policyholders’ assets. The Authority also has taken
• Pursuing the ICR/ OCR platforms to digitize necessary steps to ensure the smooth transition for
service provider level interface to augment all policyholders of SILIC.
operational efficiency & customer satisfaction.
Consumer Education
I.6 Review
I.6.1.3 Consumer Education is indispensable for
I.6.1 Protection of Interest of Policyholders financial inclusion. The mandate of regulating,
promoting and ensuring orderly conduct of insurance
I.6.1.1 IRDAI has further enhanced and strengthened
business and protection of policyholders’ interest, can
regulatory framework for the protection of
be achieved only through holistic Consumer
policyholders’ interests under the IRDAI (Protection
education. Consumer education through
of Policyholders’ Interests and Allied Matters of
understanding and education enables individuals,
Insurers) Regulations, 2024 which supersede IRDAI
particularly those in underserved communities, to
(Protection of Policyholder’s Interests) Regulations,
make informed decisions about insurance, access
2017. The Regulations ensure fair treatment of
suitable policies, and effectively utilize insurance to
prospects during solicitation and sale of insurance
safeguard their financial well-being. This education
policies and protect the interests of policyholders
is crucial for enhancing insurance penetration,
throughout their engagement with insurers and
promoting financial resilience, and ensuring equitable
distribution channels. They mandate that insurers and
access to insurance services across diverse
distribution channels adhere to standardized
demographics.
Annual Report 2023-24 31IRDAI fosters consumer education through the companies to adopt districts for spreading insurance
development and dissemination of consumer literacy and coverage. The campaigns target
educational material. It runs an exclusive consumer aspirational districts identified by NITI Aayog. The
education website www.policyholder.gov.in, which initiative has gained momentum in terms of number
boasts of comprehensive educational resources of awareness campaigns and outreach programs
transcending the whole journey of the customer conducted. It is hailed as the path-breaking
towards insurance inclusion. Amongst the various collaborative initiative in the right direction for the
initiatives undertaken, some of the important diverse populace to achieve the last mile coverage.
insurance literacy initiatives taken by IRDAI are:
Implementation of National Strategy for Financial
Awareness Campaigns Education
1) Awareness campaigns such as Live Phone-In I.6.1.5 The National Strategy for Financial Education
program organized through All India Radio (AIR), (NSFE) 2019-2024 is a comprehensive plan aimed
Telangana on the topic of Policyholders’ at promoting financial literacy and empowerment
Protection and Grievance Redressal. It was among individuals across India. The NSFE aims to
widely advertised by the AIR and was improve overall financial well-being and resilience
appreciated for its theme and relevance. It within the population by fostering a culture of financial
garnered rave reviews and was a hit amongst prudence and inclusivity. The implementation of
the audience. NSFE is facilitated through the National Centre for
Financial Education (NCFE) which is an institution
2) An online “Tagline Contest” on the MyGov.in
comprising representatives from all financial sector
portal was organized to seek captions
regulators in India. IRDAI as one of the promoters
representing IRDAI’s role as a regulatory and
of NCFE, continues to play a directional role in multi-
development body in the insurance sector. The
dimensional endeavours undertaken for the
contest aimed to highlight IRDAI’s commitment
implementation of the NSFE.
to ensuring the availability of insurance across
all regions of the country and to every segment I.6.1.6 IRDAI is actively pursuing initiatives to
of society. Citizens were invited to participate in enhance insurance awareness and coverage
the contest and had the opportunity to win nationwide to align with the goal of achieving
exciting prizes. The contest received an ‘Insurance for All by 2047’.In order to encourage
overwhelming response with over 15,000 insurers to spend considerable amounts on insurance
entries, resulting in extensive publicity. awareness initiatives, IRDAI has allowed additional
allowance to the extent of 5 per cent of allowable
Insurance Awareness Campaigns by way of
expenses of management of Life insurers under
Adoption of Districts
Regulation 7 of IRDAI (Expenses of Management of
Insurers transacting life insurance business
I.6.1.4 To promote financial inclusion through
Regulations), 2023 with effect from 1st April 2023.
insurance, IRDAI has encouraged insurance
32 Annual Report 2023-24Similar facility was also extended to the General company wise solvency ratio for life insurers is
Insurers to spend a 5 per cent over and above the provided in Statement 11.
allowable limit in creating insurance awareness.
Solvency Position of General, Health &
I.6.1.7 Spurious calls impersonating officials from Specialized Insurers
the IRDAI, Bima Bharosa, insurers and other
governmental or financial institutions pose a I.6.2.3 As at 31st March, 2024, 26 private sector
significant threat to the insurance industry and public general insurers (including the standalone health
trust. IRDAI has issued several public notices, press insurers) have complied with the stipulated Solvency
releases, advertisements in leading TV Channels, Ratio of 1.50. Public sector insurers namely National,
newspapers, and directions to insurers to caution
Oriental and United have reported solvency ratio of
public against spurious phone calls and fictitious/
(-)0.45, (-)1.06 and (-)0.59 times respectively, as on
fraudulent offers at various touch points and in the
31st March, 2024.
media as well. These communications are designed
to alert the public about the dangers of dealing with New India has reported solvency ratio of 1.81 as on
fraudulent entities/individuals posing as insurance 31st March 2024. As at 31st March, 2024, the
representatives.
specialized insurers, i.e. AIC and ECGC reported a
solvency ratio of 3.34 and 47.87 respectively.
I.6.2 Maintenance of Solvency Margin of Insurers
Solvency Position of Reinsurers
I.6.2.1 Every insurer and reinsurer shall at all times
maintain solvency margin higher than the control level
General Insurance Corporation of India (GIC Re)
of solvency, which currently is 150 per cent of
reported a solvency ratio of 3.25 as on 31st March,
Required Solvency Margin, i.e. to ensure that the
2024. All Foreign Reinsurance Branches have
Available Solvency Margin is at least 150 per cent of
reported solvency ratio above 1.5 as on 31st March,
Required Solvency Margin at all times. The Required
2024.
Solvency Margin shall not be less than fifty per cent
of the amount of minimum capital as stated under
I.6.3 Monitoring of Reinsurance
Section 6 of the Insurance Act, 1938 whereas the
Available Solvency Margin is the excess of value of
Indian Reinsurer
assets over the amount of liabilities. The IRDAI
(Actuarial, Finance and Investment Functions of I.6.3.1 As of 31st March 2024, only one Indian
Insurers) Regulations, 2024 describe in detail the Reinsurer is registered with IRDAI, namely General
method of computation of the Available and Required Insurance Corporation of India (GIC Re). GIC Re has
Solvency Margin. been providing re-insurance support to direct insurers
in India and also to foreign Insurers/Re-insurers. The
Solvency Position of Life Insurers
corporation’s reinsurance program has been
I.6.2.2 All the life insurers complied with the minimum designed to meet the objectives of optimising
stipulated solvency ratio of 1.50 (control level of retention within the country, ensuring adequate
solvency), as at 31st March, 2024. Insurance coverage for cedants’ exposure at a reasonable cost,
Annual Report 2023-24 33and developing technical expertise and adequate Cross Border Reinsurers
financial capacities within the domestic market.
I.6.3.4 “Cross Border Reinsurers” (CBRs) are the
I.6.3.2 GIC Re is also managing the Nuclear Pool, reinsurers, who do not have any physical presence
Terrorism Pool, and Marine Cargo Excluded in India but carry on reinsurance business with Indian
Territories Pool (MCET Pool). It receives obligatory insurers. The Cross Border Reinsurers (CBRs) play
cessions on each and every policy issued by a significant role in the reinsurance market in
domestic general insurers subject to certain limits providing reinsurance support/capacity to the
and leads on many of the treaty programs and
Insurers. The insurers have to ensure that CBRs
facultative programs of these insurers. This obligatory
meet the necessary qualifying criteria as per IRDAI
cession was four percent in respect of insurance
(Reinsurance) Regulations, 2018, and have a File
attaching during 2023-24.
Reference Number (FRN) issued by Authority, before
placing any business with them.
Foreign Reinsurance Branches (FRBs)
The CBRs are provided with a Filing Reference
I.6.3.3 With the view to make India a global
Number (FRN) by Authority, which is valid for one
reinsurance hub, the Insurance Laws (Amendment)
financial year, enabling the CBR to transact
Act, 2015 permitted Foreign Reinsurers and the
reinsurance business with Indian Insurers/
Society of Lloyd’s London to open their branches in
Reinsurers.
India to transact reinsurance business in India. As of
31st March, 2024, there are eleven Foreign
In FY 2023-24, 280 CBRs participated in Indian
Reinsurance Branches (FRBs) including Lloyd’s
Reinsurance Business as against 283 CBRs in FY
operating in India. Lloyd’s India is operating through
2022-23.
one Service Company. These FRBs are Branches
of prominent reinsurers across the world with rich
Appraisal of Reinsurance Business
experience, expertise and capacity.
I.6.3.5 The reinsurance business in India is being
The details of reinsurance business booked by FRBs
written by the Indian reinsurer (GIC Re), FRBs, and
are as under;
CBRs. Out of the gross reinsurance premium of
`62,113.28 crore written in the year 2023-24 by
Gross RI Premium Income 2022-23 2023-24
Indian reinsurer and FRBs, the Indian business
Indian Business (` crore) 17,911 24,749
accounted for about 81 percent and foreign business
Thus, these FRBs are helping to retain the premium accounted for the rest. Out of the total Indian business
within India and develop reinsurance capacity in of `50,553 crore in the year 2023-24, GIC Re
India. The FRBs have to adhere to IRDAI accounted for about 51 percent and the remaining
(Registration and Operations of Foreign Reinsurers 49 percent was written by FRBs. The Gross
Branches and Lloyd’s India) Regulations, 2024 and Reinsurance Premium of Reinsurers including FRBs
any other circulars/guidelines issued by Authority in is provided in the statement 14.
this regard.
34 Annual Report 2023-24Table I.19: Reinsurance Placement by General and Health Insurers
(` Crore)
Years Fire Marine Marine Motor Aviation Enginee- Other Total
Particulars
Cargo Hull ring Misc.
Reinsurance 2023-24 13,555.86 554.35 502.03 9,549.27 597.17 2,606.66 22,927.79 50,293.14
Premium 47.75 10.89 36.32 10.40 51.06 46.53 14.16 17.03
placed
within India & 2022-23 12,968.32 723.90 413.98 10,223.57 362.36 1,918.10 22,597.88 49,208.12
corresponding 49.42 18.54 32.48 12.46 34.33 42.26 15.85 18.81
percentage
Reinsurance 2023-24 7,124.78 648.88 453.02 1,135.14 400.96 1,134.98 15,101.02 25,998.78
Premium 25.10 12.74 32.78 1.24 34.28 20.26 9.32 8.80
placed Outside
India & 2022-23 5,823.89 694.73 471.36 367.43 483.29 922.55 15,481.55 24,244.79
corresponding 22.19 17.79 36.98 0.45 45.79 20.32 10.86 9.27
percentage
Retention and Reinsurance placement: Reinsurance Placement by Life Insurers
I.6.3.6 In 2023-24, reinsurance premiums placed I.6.3.7 During 2023-24, an amount of `536.02 crore
by general insurers within and outside India remained (`663.53 crore in 2022-23) was ceded as
reinsurance premium by the public sector
at 17.03 percent and 8.80 percent of GWP
insurer. The private life insurers together ceded
respectively. There has been an increase reported
`7,719.08 crore (`6,451.02 crore in 2022-23) as
in the Net retention by the general insurers from 71.93
premium towards reinsurance. The retention ratio of
percent in 2022-23 to 74.17 percent in 2023-24.
the life insurance sector was 99 per cent for 2023 -
24 as against 99.09 per cent for 2022-23.
Annual Report 2023-24 35Table I.20: Net Retention of General & Health Insurers as a Percent of Gross Premium
2022-23 2023-24
Segment Public Private Total Public Private Total
Sector Sector Sector Sector
Fire 40.82 21.19 28.39 38.42 20.82 27.15
Marine Cargo 67.15 62.41 63.72 87.76 67.72 76.37
Marine Hull 34.71 5.14 30.54 34.67 4.32 30.90
Motor 95.79 83.57 87.09 97.04 84.96 88.36
Engineering 52.26 21.26 37.42 49.24 19.46 33.21
Aviation 25.33 8.07 19.88 18.18 8.39 14.66
Other Misc. 78.76 69.10 73.29 86.54 70.32 76.52
Total 77.53 68.44 71.93 82.45 69.63 74.17
Insurance Pools arising out of nuclear perils, Indian Nuclear Insurance
Pool (INIP) was formed in 2015 which is also
Terrorism Pool
managed by GIC Re. The pool provides coverage to
nuclear operators in the country and also to nuclear
I.6.3.8 The Indian Market Terrorism Risk insurance
suppliers. The Pool’s premium income for 2023-24
pool was formed with the initiative of all non-life
was `107.01 crore as against `103.50 crore in 2022-
insurers in India in April 2002, after terrorism cover
23. No claim has been paid by the pool during the
was withdrawn by international reinsurers post 9/11
year 2023-24.
incident. The pool is administered by GIC Re. The
Pool provides support to insurance of terrorism risks
Marine Cargo Excluded Territories Pool (MCET
covered under property insurance policies, including
Pool)
cover to dwellings and fixed assets in multiple
locations. The Pool’s premium income for 2023-24 I.6.3.10 Pursuant to the Russia-Ukraine war,
was `1,654.63 crore as against `1,809.01 crore in sanctions were imposed on the business with Russia.
2022-23. The claims paid by the Pool during 2023- Due to the same, reinsurance capacity was not
24 were `3.12 crore. No major losses were reported available for Marine Cargo shipments of fertilizers
to the Pool during 2023-24. and other commodities for Indian Insured’s from the
territories of the Republic of Belarus, Ukraine and/or
Nuclear Pool
the Russian Federation (called as ‘Excluded
Territories’).
I.6.3.9 The enactment of Civil Liability for Nuclear
Damage Act, 2010 mandates protection of unknown
Hence, to address the issue, Marine Cargo Excluded
and potentially catastrophic risk arising out of nuclear
Territories Pool (MCET Pool) was formed in the year
event. Generally, nuclear perils are excluded from
2022 with the initiative of General Insurance Council
conventional insurance covers as it requires a large
and the pool is managed by GIC Re.
insurance capacity. Therefore, to protect the liability
36 Annual Report 2023-24The main objectives of the Pool are to enable pool (Actuarial, Finance and Investment Functions of
members to provide insurance cover for Marine
Insurers) Regulations, 2024. As on 31st March, 2024,
Cargo shipments of fertilizers Imports and Exports
the investments made by the Insurance industry
only for Indian Insured’s from Excluded Territories
stood at `67.58 lakh crore as against `60.04 lakh
and to cover other commodities for Indian Insureds
crore as on 31st March, 2023 registering an increase
as may be required and with rates/terms to be agreed
of 12.55 per cent. The share of Life insurers stood at
in consultation with the Underwriting Committee of
the Pool. 91.11 per cent, General insurers including
Specialized insurers and Stand-Alone Health Insurers
The Pool’s premium income for 2023-24 was `41.53
(SAHI) constituted 7.03 per cent and Reinsurers
crore as against `42.60 crore in 2022-23. No major
losses were reported to the Pool during 2023-24. including branches of foreign reinsurers constituted
1.86 per cent as on 31st March, 2024. The share of
I.6.4 Monitoring Investments of the Insurers
PSUs stood at 69.46 per cent and private sector
I.6.4.1 Insurers have been mandated to follow the constituted 30.54 per cent in the same period.
pattern of investment, as required under IRDAI
Table I.21 : Investments of Insurance Industry as on 31st March
(` Crore)
2023 2024
Segment
Public Private Total Public Private Total
Life Insurers 40,43,655 14,19,759 54,63,414 44,23,580 17,33,269 61,56,849
(9.90) (11.55) (10.32) (9.40) (22.08) (12.69)
General Insurers 1,70,167 2,59,164 4,29,331 1,74,283 3,00,818 4,75,101
(1.37) (18.77) (11.17) (2.42) (16.07) (10.66)
Reinsurers 86,175 25,289 1,11,464 96,299 29,711 1,26,010
(11.41) (20.51) (13.35) (11.75) (17.49) (13.05)
Total 42,99,997 17,04,212 60,04,209 46,94,162 20,63,798 67,57,960
(9.56) (12.72) (10.44) (9.17) (21.10) (12.55)
Note: Figures in brackets represent growth in percentage over the previous year
General Insurers included Specialized Insurers and SAHI
Reinsurers included Branches of Foreign Reinsurers
Investments of Life Insurers 53.96 lakh crore (87.64 per cent to total funds) was
from traditional products and balance of ` 7.61 lakh
I.6.4.2 Funds of life insurers are split based on
crore (12.36 per cent to total funds) from ULIP
investments made out of non-linked products and
products. Life insurance company-wise investments
linked products. The total funds of life insurers as on
are provided in Statement 16.
March 31, 2024 was ` 61.57 lakh crore, of which `
Annual Report 2023-24 37Table I.22: Category-wise Investments of Life Insurers as on 31st March
(` Crore)
S.No. Category 2023 2024
Non-Linked Products
1 Central Government Securities 21,82,289 24,37,256
(44.95) (45.17)
2 State government and other approved securities 11,60,415 12,95,510
(23.90) (24.01)
3 Housing and Infrastructure 4,57,272 4,99,520
(9.42) (9.26)
4 Approved Investments 9,13,359 10,65,425
(18.82) (19.74)
5 Other Investments 1,41,084 98,421
(2.91) (1.82)
A Total (1+2+3+4+5) 48,54,419 53,96,132
(100.00) (100.00)
Linked Products
6 Approved Investments 5,50,523 6,85,216
(90.40) (90.08)
7 Other Investments 58,472 75,501
(9.60) (9.92)
B Total (6+7) 6,08,995 7,60,717
(100.00) 100.00
Grand Total (A+B) 54,63,414 61,56,849
Note: Figures in brackets are percentage to total
1.6.4.3 Based on the method of classification of
& Group fund to total investments have gone down
funds, Life fund contributed `39.22 lakh crore (63.70
from 24.45 per cent to 23.95 per cent and ULIP fund
per cent to total funds), Pension and General Annuity
gone up from 11.15 per cent to 12.36 per cent. The
& Group fund `14.74 lakh crore (23.95 per cent to
share of Life fund has decreased from 64.40 per cent
total funds) and Unit Linked Fund (ULIP) `7.60 lakh
to 63.70 per cent in 2023-24. The volume of Life,
crore (12.36 per cent to total funds) to total
Pension/Annuity fund and ULIP fund have increased
investments as on March 31st, 2024. During the FY by `4.03 lakh crore, `1.38 lakh crore and `1.52 lakh
2023-24, the share of Pension and General Annuity crore respectively in FY 2023-24.
38 Annual Report 2023-24Table I.23 : Fund-wise Investments of Life Insurers as on 31st March
(` crore)
2023 2024
Fund
Public Private Total Public Private Total
Life 28,61,600 6,56,781 35,18,381 31,29,515 7,92,268 39,21,783
Pension and
General Annuity 11,55,875 1,80,163 13,36,038 12,59,025 2,15,324 14,74,349
& Group Fund
ULIP 26,180 5,82,815 6,08,995 35,040 7,25,677 7,60,717
Total 40,43,655 14,19,759 54,63,414 44,23,580 17,33,269 61,56,849
Investments of General Insurers and Reinsurers corresponding period of the previous year, registering
an increase of 10.95 per cent.
1.6.4.4 Share of investments by General, Health
1.6.4.5 As on 31st March, 2024, General insurers and
Insurers and Reinsurers stood at 8.89 per cent in
Reinsurers have invested `2.99 lakh crore (49.89
total investments made by the insurance sector. The
per cent) majorly in Central, State Government and
total amount of investments made by the General
other approved securities and `1.62 lakh crore
Insurers and Reinsurers was `6.01 lakh crore as on
(27.07 per cent) in approved Investments. General
31st March, 2024 as against `5.41 lakh crore of the
Insurance and Reinsurance company-wise
investments are provided in Statement 17.
Table I.24: Investments of General, Health, Specialized Insurers
(` crore)
As on March 31, 2023 As on March 31, 2024
Category General Reinsurers Total General Reinsurers Total
Insurers ^^ ## Insurers^^ ##
Central Government 1,32,774 40,797 1,73,571 1,34,832 44,566 1,79,398
Securities (30.93) (36.60) (32.10) (28.38) (35.37) (29.84)
State government and other 88,464 24,614 1,13,078 92,139 28,369 1,20,508
approved securities (20.61) (22.08) (20.91) (19.39) (22.51) (20.05)
Housing and Loans to State 37,703 7,466 45,169 34,291 7,966 42,257
Govt for Housing & FFE (8.78) (6.70) (8.35) (7.22) (6.32) (7.03)
Infrastructure Investments 60,778 12,488 73,266 66,691 17,038 83,729
(14.16) (11.20) (13.55) (14.04) (13.52) (13.93)
Approved Investments 97,655 22,174 1,19,829 1,36,974 25,726 1,62,700
(22.75) (19.89) (22.16) (28.83) (20.42) (27.07)
Other Investments 11,956 3,926 15,882 10,174 2,344 12,518
(2.78) (3.52) (2.94) (2.14) (1.86) (2.08)
Total 4,29,330 1,11,465 5,40,795 4,75,101 1,26,010 6,01,111
(100.00) (100.00) (100.00) (100.00) (100.00) (100.00)
Note: 1. ^^ General Insurers included Specialized Insurers and SAHI
2. ## Reinsurers included Branches of Foreign Reinsurers
3. Figures in brackets is percentage of respective funds to the total funds
Annual Report 2023-24 39I.6.5 Health Insurance Business of General and I.6.5.1 During the year 2023-24, General and Health
Health Insurers insurance companies collected `1,07,681 crore as
health (excluding Personal Accident and Travel)
Health Insurance Premium (excl. Travel & PA insurance premium registering a growth of about
Insurance) 20.32 percent over the previous year.
Table I.25: Health Insurance Premium Underwritten by General & Health Insurers
(` crore)
Insurer 2022-23 2023-24
Public Sector Insurers 39,058.09 40,992.94
(18.56) (4.95)
Private Sector Insurers 25,182.04 34,507.71
(25.24) (37.03)
Stand-alone Health Insurers 25,251.63 32,180.09
(26.25) (27.44)
Total 89,491.76 1,07,680.74
(22.51) (20.32)
Note: 1. Figures in bracket indicates growth (in percent) over previous year.
2. The data does not include the detail of health insurance business carried-out in foreign countries.
3. The above Premium excludes Personal Accident and Travel Insurance Business Premium.
4. Data as per the Health insurance returns submitted by Insurers
Policies and Lives Covered under Health I.6.5.3 Health insurance business is classified into
Insurance three classes of business namely Government
sponsored, group and individual. In terms of number
I.6.5.2 During 2023-24, the General and Health
of lives covered, about 45 percent of the lives were
insurance companies have covered 57 crore lives
covered under government sponsored health
under 2.68 crore health insurance policies (excl.
insurance schemes, about 45 percent in group
policies issued under PA and Travel Insurance).
business and the remaining about 10 percent under
individual policies issued by general and health
insurers. In terms of amount of premium, the share
of Group business was the highest (51.68 percent),
followed by Individual (38.55 percent) and
Government business (9.77 percent).
40 Annual Report 2023-24Table I.26: Policies, Lives Covered, and Premium under Health Insurance Business of General and Health Insurers
No. of Policies(lakhs) No. of Lives Covered (lakhs) Gross Premium(````` crore)
Class of Business
2022-23 2023-24 2022-23 2023-24 2022-23 2023-24
Government Sponsored Business 0.001 0.00 2,977.48 2611.04 8,480.28 10,513.67
(0.00) (0.00) (-2.86) (-12.31) (39.57) (23.98)
Group Business 6.50 37.29 1,993.97 2,559.09 46,245.87 55,666.01
(-7.07) (473.69) (22.87) (28.34) (25.36) (20.37)
Individual Business 219.92 230.99 528.91 558.57 34,765.61 41,501.06
(0.31) (5.03) (2.46) (5.61) (15.56) (19.37)
Total 226.42 268.29 5500.36 5728.71 89,491.76 1,07,680.74
(0.08) (18.49) (5.69) (4.15) (22.50) (20.32)
Note: Figures in bracket indicates growth (in percent) over previous year. Data excludes PA and Travel Insurance
Claims under Health Insurance
I.6.5.4 The net incurred claims under health
insurance business of general and health insurers
stood at `76,160 crore in 2023-24 reported an
increase of about 18 percent from previous year.
There is a decrease in Incurred Claims Ratio (ICR)
of health business from 88.89 percent in 2022-23 to
88.15 percent in 2023-24.
Annual Report 2023-24 41Table I.27: Incurred Claims Ratio under Health Insurance Business of
General and Health Insurers (in per cent)
Govt. Business Group Business Individual Business Total
Insurer
2022-23 2023-24 2022-23 2023-24 2022-23 2023-24 2022-23 2023-24
Public Sector Insurers 101.49 114.88 106.98 103.07 101.65 95.74 104.91 103.38
Private Sector Insurers 123.67 121.23 89.38 90.79 79.98 81.28 86.82 88.71
Standalone Health Insurers 0.00 0.00 60.60 66.59 62.66 64.08 62.17 64.71
Total 102.28 115.28 95.89 93.75 76.03 75.06 88.89 88.15
42 Annual Report 2023-24I.6.5.5 During 2023-24, General and Health Insurers mode. Insurers have settled one percent of their
have settled 2.69 crore health insurance claims and claims amount through “both cashless and
paid an amount of `83,493 crore towards settlement reimbursement mode”. In terms of cashless claims
of health insurance claims. The average amount paid in amount, 66.17 percent of were settled through
per claim was `31,086. In terms of number of claims cashless mode.
settled, 72 percent of the claims were settled through
I.6.5.6 During 2023-24, insurers have settled about
TPAs and the balance 28 percent of the claims were
83 percent of total number of claims registered in
settled through in-house mechanism. In terms of
their books and have repudiated about eleven
mode of settlement of claims, 66.16 percent of total
percent of them and the remaining about six percent
number of claims were settled through cashless
were pending for settlement as on March 31st, 2024.
mode and another 39 percent through reimbursement
Table I.28: Claims Paid under Health Insurance Business of General and Health Insurers (2023-24)
Mode of Claim TPA In-House Total
Settlement No. Amount No. Amount No. Amount
(lakhs) (````` crore) (lakhs) (````` crore) (lakhs) (````` crore)
Only Cashless 114.84 34,710.02 42.00 20,525.07 156.84 55,235.09
(59.69) (66.94) (55.12) (64.87) (58.39) (66.16)
Only Reimbursement 73.58 16,302.99 31.07 9,873.56 104.65 26,176.56
(38.25) (31.44) (40.77) (31.20) (38.96) (31.35)
Both Cashless and 1.64 710.98 1.05 763.02 2.69 1,474.00
Reimbursement (0.85) (1.37) (1.38) (2.41) (1.00) (1.77)
Benefit Based 2.33 128.12 2.08 479.40 4.41 607.52
(1.21) (0.25) (2.73) (1.52) (1.64) (0.73)
Total 192.39 51,852.11 76.20 31,625.14 268.59 83,493.17
(100) (100) (100) (100) (100) (100)
Note:1. Figures in bracket are percent to total. The data is exclusive of PA and Travel.
Table I.29: Status of Claims under Health Insurance of
General and Health Insurers (2023-24)
Claims New claims Total Claims Claims paid Claims disallowed Claims Claims
outstanding at the registered during the period as per terms and repudiated outstanding
beginning of the during the period conditions of during the period at the end
period policy contract of the year
No. Amount No. Amount No. Amount No. Amount No. Amount No. Amount No. Amount
(lakhs) (````` crore) (lakhs) (````` crore) (lakhs) (````` crore) (lakhs) (````` crore) (lakhs) (````` crore) (lakhs) (````` crore) (lakhs) (````` crore)
17.85 6,290.28 307.87 1,10,825.06 325.72 1,17,115.34 268.59 83,493.17 0.00 15,100.42 36.40 10,937.18 20.73 7,584.57
(100) (100) (82.46) (71.29) (0) (12.90) (11.18) (9.34) (6.36) (6.48)
Note: Figures in brackets are percentage to total.
Annual Report 2023-24 43Health Insurance Business of Life Insurers I.6.5.7 During the year 2023-24, life insurers collected
`1,554 crore as health insurance premium as against
Premium, Policies and Lives Covered
`1,483 crore in 2022-23 registering a growth of 4.75
per cent.
Health Insurance Riders attached to Life
Health Insurance Products Marketed by Life
Insurance Products
Insurers
I.6.5.9 Riders which are attached to the base
I.6.5.8 During 2023-24, life insurers have procured
products are offered as a value addition to
a total premium of `722 crore from various health
policyholders. Premium of `832 crore was procured
insurance products. While renewal premium
through health insurance riders attached to life
contributed about 85 percent of total premium, New
insurance policies during 2023-24. Out of the total
Business contributed the remaining 15 percent. Life
premium from these riders, renewals accounted for
insurers have issued 0.91 lakh new policies covering
58 percent while the rest 42 percent was contributed
1.98 lakh lives, while they renewed 9.16 lakh policies
by New Business. During 2023-24, 7.68 lakh health
covering 9.46 lakh lives during 2023-24.
insurance riders were issued along with new life
insurance products covering 30.82 lakh lives. During
the same period, 25.23 lakh riders attached to life
insurance products were renewed which covered
31.25 lakh lives.
Table I.30: Number of Policies, Lives Covered, Premium under
Health Insurance Business of Life Insurers
No. of Policies / No. of Riders No. of Lives Covered (‘000) Gross Premium (````` crore)
Class of Business
2022-23 2023-24 2022-23 2023-24 2022-23 2023-24
Health Insurance Products Marketed by Life Insurers
New Business 2,86,397 90,605 298.76 197.99 98.86 109.44
Renewal Business 6,52,631 9,15,960 1,019.35 945.61 442.03 612.44
Health Riders Attached to Life Insurance Products
New Business 8,19,586 7,68,372 5,861.60 3,082.38 479.65 347.01
Renewal Business 31,09,308 25,23,119 3,441.80 3,124.93 462.76 484.84
44 Annual Report 2023-24Claims under Health Insurance Business of Life of claims registered) with respect of health insurance
Insurers products. In respect of rider claims, 96 percent of
the claims registered were paid amounting to `181
I.6.5.10 During the year 2023-24, life insurers have
crore by the life insurers towards settlement of 23,063
paid `315 crore as claims towards settlement of
number of claims.
30,258 number of claims (83 percent of total number
Table I.31: Status of Claims under Health Insurance Business of Life Insurers
(No. in lakhs & Amount in ` crore)
Claims O/S at the Claims Reported Claims Paid Claims Claims O/S at
Segment start of year during the Year during the Year Repudiated/ the start of year
Rejected
No. Amount No. Amount No. Amount No. Amount No. Amount
Health Insurance Products 584 17.34 36,389 366.09 30,258 314.55 6,291 51.42 424 17.46
Health Insurance Riders 230 23.02 23,894 229.88 23,063 181.41 704 53.36 357 18.12
Personal Accident Insurance I.6.5.12 During 2023-24, the gross premium income
from Personal Accident insurance business was
I.6.5.11 During 2023-24, the insurance industry has
`7,788 crore. While private sector general insurers
covered a total of 165.05 crore lives under personal
have contributed about 57 per cent of total premium,
accident insurance. It includes 90.10 crore lives
public sector general insurers and stand-alone health
covered under government flagship schemes
insurers contributed about 33 per cent and 10 per
namely, Pradhan Mantri Suraksha Bima Yojana
cent of premium respectively. The ICR for this line of
(PMSBY), Pradhan Mantri Jan Dhan Yojana
business was around 67 per cent for the year 2023-
(PMJDY), and IRCTC travel insurance for e-ticket
24.
passengers.
Table I.32: Business Under Personal Accident Insurance
No. of Lives (lakh) Gross Premium (````` crore) Incurred Claim Ratio (%)
Insurer
2022-23 2023-24 2022-23 2023-24 2022-23 2023-24
Public Sector 5,546.56 7,975.95 2,089.75 2,554.99 96.20 96.82
Private Sector 6,082.04 8316.54 4,171.23 4,468.73 48.14 53.80
Stand-alone Health 272.30 212.02 786.60 764.76 24.54 23.99
Total 11,900.90 16,504.51 7,047.58 7,788.47 60.77 66.87
Note:
1. The data is inclusive of number of lives covered under IRCTC, PMSBY & PMJDY businesses.
2. The data does not include the details of PA business carried-out in foreign countries.
3. It is to be noted that under IRCTC Scheme, PA cover is offered to railway passengers only for a specified journey undertaken by the
passenger and one person may undertake multiple journeys during the reported period. In respect of lives covered in any of PA policy/
schemes, one person may have been covered multiple times.
Annual Report 2023-24 45Table I.33: Coverage under Government policies. The gross premium income from overseas
Flagship Personal Accident Schemes
travel insurance business for 2023-24 was `1,099
crore. In this line of business, private general insurers
No. of Gross
are the major players with a market share of about
Scheme persons Premium
covered (lakh) (` crore) 85 percent in gross premium. The ICR for this line of
IRCTC 3,734.70 11.67 business was 42 percent for the year 2023-24.
PMJDY 1,874.75 5.65
I.6.5.14 During 2023-24, the gross premium
PMSBY 3,400.06 685.13
collected from domestic travel insurance business
Total 9,009.51 702.45
was `125.53 crore, registering a decrease of about
Travel Insurance 45 percent over the previous year. The general and
health insurers have covered 43.31 crore lives under
I.6.5.13 During 2023-24, 74.96 lakh lives were
covered under 23.23 lakh overseas travel insurance 1.62 lakh policies.
Table I.34: Business Under Overseas Travel Insurance
No. of Lives (lakh) Gross Premium (````` crore) Incurred Claim Ratio (%)
Insurer
2022-23 2023-24 2022-23 2023-24 2022-23 2023-24
Public Sector 0.57 0.74 20.05 19.05 41.91 50.96
Private Sector 69.54 58.69 746.99 931.99 43.68 43.43
Stand-alone Health 8.60 15.53 138.49 148.00 32.10 33.58
Total 78.71 74.96 905.53 1099.04 41.59 42.16
Note: The data does not include the details of overseas travel insurance business carried-out in foreign countries.
Table I.35: Business Under Domestic Travel Insurance
No. of Lives (lakh) Gross Premium (````` crore) Incurred Claim Ratio (%)
Insurer
2022-23 2023-24 2022-23 2023-24 2022-23 2023-24
Public Sector 0.01 0.00 0.01 0.03 0.00 0.00
Private Sector 4,776.34 4,306.97 162.70 99.05 21.94 20.70
Stand-alone Health 18.39 24.41 67.12 26.45 4.94 10.81
Total 4,794.74 4,331.38 229.83 125.53 16.90 18.77
Health Insurance Business Underwritten Outside the year 2023-24, they procured gross premium of
India `154 crore from health, PA and travel insurance and
have covered 10.17 lakh lives. The ICR for this
I.6.5.15 Public sector general insurers namely New business carried out outside India is 107 per cent
India, National and Oriental Insurance are doing during 2023-24.
health insurance business in foreign countries. During
46 Annual Report 2023-24Table I.36: Health, PA and Travel Insurance Business Underwritten Outside India
No. of lives Covered (‘000) Gross Premium (````` crore) Incurred Claim Ratio (%)
Insurer
2022-23 2023-24 2022-23 2023-24 2022-23 2023-24
National 98.00 10.73 2.67 1.53 189.96 210.28
New India 1,033.32 992.39 218.80 150.96 81.12 106.12
Oriental 15.45 13.88 41.20 1.62 104.50 89.50
Total 1,146.77 1017.00 262.67 154.11 85.24 106.83
I.6.6 Specified Percentage of Business to be done company commences operations in the second half
in Rural and Social Sector of the financial year and is in operation for less than
six months as at March 31st of the relevant financial
Section 32B and 32C of the Insurance Act, 1938 and
year:
the IRDAI (Obligations of Insurers to Rural and Social
Sectors) Regulations, 2015 stipulate targets of i. no rural or social sector obligations shall be
business from rural and social sectors to be fulfilled applicable for the said period; and
by insurers on an annual basis.
ii. the annual obligation as indicated in the
Regulations on Obligations of Insurers in Rural Regulations shall be reckoned from the next
and Social Sectors financial year which shall be considered as the
first year of operation for the purpose of
I.6.6.1 The IRDAI (Obligations of Insurers to Rural compliance.
and Social Sectors) Regulations, 2015 stipulated
targets of business from rural and social sectors to iii. In case where a life insurance company
be fulfilled by insurers on an annual basis. In terms commences operation in the first half of the
of these regulations, Insurers are required to fulfil financial year, the applicable obligations for the
year wise business target prescribed: first year shall be 50 per cent of the obligations
for rural areas and 2,500 lives for social sector.
i. in terms of percentage of social sector lives
Fulfilment of Obligations by Insurers during
computed on the total business; and
2023-24
ii. in terms of percentage of number of policies for
life insurers and gross premium written direct, Life Insurers
for general and standalone health insurers, from
I.6.6.3 During the year 2023-24, the public sector
rural areas. The regulations have been revised
insurer as well as all twenty-five private sector life
and consolidated as the IRDAI (Rural, Social
insurance companies have fulfilled their rural and
and Motor Third Party Obligations) Regulations,
social sector obligations.
2024 that will come into effect from 1st April,
2024. A detailed box item on the regulation is
I.6.6.4 The Life Insurance Companies underwrote
available in Part II.
122.70 Lakh policies in the rural sector out of the
total 291.77 lakh policies underwritten by them in
I.6.6.2 The IRDAI (Obligations of Insurers to Rural
2023-24. The public sector insurer underwrote 47.72
and Social Sectors) Regulations 2015 require
per cent of the new individual policies and private
insurers to underwrite business in these segments
insurers underwrote 28.91 per cent of their new
based on the number of years of operation. The
individual policies in the rural sector.
regulations further provide that, if an insurance
Annual Report 2023-24 47I.6.6.5 The life insurers have covered 6.66 crore In the year 2023-24, out of the 25 general insurers
lives under Social Sector. i.e, 22.75 per cent as (excluding Specialized and Stand Alone Health
against the stipulation of 5 per cent. The public sector Insurers), two insurers did not comply with the
insurer achieved 5.73 per cent and the private sector minimum obligation with respect to Motor Third Party
insurers achieved 26.88 per cent. insurance business. The matter is under examination
from the regulatory perspective. Kshema General
I.6.6.6 M/s Sahara India Life Insurance Co. Ltd. was
Insurer is exempted from the application of the
directed not to underwrite new business from 24th
obligatory requirement during 2023-24, as it has
June, 2017 vide the IRDAI Order reference IRDAI/
stared operations in the month of May 2023 and as
F&A/OR/FA/148/06/2017 under section 52B (2) of
per the IRDAI Obligation of Insurer in respect of Motor
the Insurance Act, 1938. Hence, Sahara India Life
Third Party Insurance Business) Regulations, 2015
Insurance Co. Ltd. is exempted from compliance with
the new general insurer is exempted from the
Rural and Social Sector Obligations.
application of the obligatory requirement during first
two financial years of its operations including the
General & Health Insurers
financial year in which its operations are started.
I.6.6.7 During 2023-24, all 25 general insurers
I.6.7 Accounts and Actuarial Standards
(excluding Specialized and Stand Alone Health
Insurers) have fulfilled their Rural and Social sector I.6.7.1 The financial statements of insurers are
obligations. All general insurers (excluding prepared in the form and manner prescribed under
Specialized and Stand Alone Health Insurers) the IRDA (Preparation of Financial Statements and
underwrote a premium of `40,857 crore in the rural Auditors’ Report of Insurance Companies)
sector in 2023-24. Public sector and private sector Regulations, 2002 amended from time to time and
insurers underwrote 21 per cent and 79 per cent also by various circulars and guidelines issued from
respectively of rural sector gross premium (excluding time to time. Books of accounts are to be maintained
Specialized and Stand Alone Health Insurers). in order to present various line items as required
under these Regulations.
I.6.6.8 The seven SAHI insurers procured `4,712
crore premium in rural sector constituting 14.23 Appointed Actuary System
percent of gross premium procured by them in the
year 2023-24 and have covered 59.32 lakh lives I.6.7.2 The Authority issued IRDA (Appointed
under social sector i.e., 6.73 percent of total lives Actuary) Regulations, 2000 to uphold the financial
covered in the previous year. integrity of insurance companies, protect the interest
of policyholders’ and for ensuring a robust insurance
Motor Third Party Insurance Business market. During financial year 2022-23, Authority
Obligations issued the IRDAI (Appointed Actuary) Regulations,
2022, subsuming the previous regulations on
I.6.6.9 Section 32D of Insurance Act, 1938 specifies
Appointed Actuary. In order to enhance efficiencies
that every insurer carrying on general insurance
in the conduct of insurance business and to keep
business shall, after the commencement of the
pace with changing insurance market dynamics, the
Insurance Laws (Amendment) Act, 2015, underwrite
Authority reviewed the IRDAI (Appointed Actuary)
such minimum percentage of insurance business in
Regulations, 2022 and incorporated relevant
third party risks of motor vehicles as may be specified
provisions in the consolidated IRDAI (Actuarial,
by the regulations. Accordingly, IRDAI (Obligations
Finance and Investment Functions of Insurers)
of Insurers in respect of Motor Third Party Insurance
Regulations, 2024, which among others, includes the
Business) Regulations, 2015 stipulates minimum
procedure for Appointment of Appointed Actuary,
obligation of insurers with respect to Motor Third Party
powers of Appointed Actuary, duties and obligations
Insurance Business on an annual basis.
48 Annual Report 2023-24of Appointed Actuary and various other provisions vi. IRDAI (Insurance Surveyors and Loss
with respect to the Appointed Actuary system. Assessors) Regulations, 2015
I.6.7.3 The Appointed Actuary is inter alia responsible vii. IRDAI (Web aggregators) Regulations, 2017
for rendering actuarial advice to the management of
viii. Guidelines on Insurance Repositories and
the insurer, in particular in the areas of product design
electronic issuance of insurance policies, 2015
and pricing, calculation of technical provisions,
insurance contract wording, investments and
ix. Guidelines on Insurance e-commerce,2017
reinsurance, ensuring solvency of the company,
effective implementation of the risk management x. IRDAI (Third Party Administrator- Health
system and complying with the Authority’s directions Services) Regulations, 2016
from time to time. Further, the Appointed Actuary
xi. IRDAI (Insurance Services by Common Service
has access to all the information or documents in
Centres) Regulations, 2015
possession or under control of the insurer if such
access is necessary for the proper and effective xii. Guidelines on Motor Insurance Service Provider,
performance of the functions and duties of the 2017
Appointed Actuary.
I.6.10 Other Policies and Programme having
I.6.8 Directions, Orders and Regulations issued bearing on the working of the insurance market
by the Authority
A. Anti-Money Laundering/Countering the
I.6.8.1 IRDAI issued a number of orders and circulars Financing of Terrorism (AML/CFT) Programme
during 2023-24, a list of which is placed at Annexure
Empowered by the Prevention of Money Laundering
4. The list of regulations notified during the year is
Act 2002 (PMLA) and the rules framed there under,
placed at Annexure 5.
the AML/CFT guidelines (the guidelines) to the
I.6.9 Powers and Functions delegated by the insurance sector were first issued in March 2006.
Authority Since then the insurance sector has been working
towards an effective implementation of AML/CFT
During the 123rd meeting of the Authority dated
regime in India.
18.08.2023 held in the Financial Year 2023-24, the
Authority has delegated some of its powers under Currently, Master Guidelines on AML/CFT 2022 (as
the following Regulations, to the Chairman/ Whole amended from time to time) are applicable for
Time Members/ other senior officials of the Authority: Insurance Sector. The Master Guidelines prescribes
requirements pertaining to Customer Due Diligence
i. IRDAI (Appointed Actuary) Regulations, 2022
processes, reporting obligations and record keeping
ii. IRDAI (Insurance Brokers) Regulations, 2018 requirements amongst others. There is a set process
of regular review of the effectiveness of the systems
iii. IRDAI (Registration of Corporate Agents) through the insurer’s internal audit/inspection
Regulations, 2015 departments. Further, compliance with the guidelines
is also monitored by IRDAI through both on-site and
iv. IRDAI (Appointment of Individual Agents)
off-site processes.
Regulations, 2016
In order to ensure clear understanding of AML/CFT
v. IRDAI (Registration of Insurance Marketing
obligations and Money Laundering (ML)/Terrorist
Firm) Regulations, 2015
Financing (TF) risks by the regulated entities, IRDAI
has conducted multiple outreach programs during
Annual Report 2023-24 49the 2023-24. IRDAI also has the following periodically, the categories of information frequently
mechanisms in place to have a shared understanding asked by the applicants.
of ML/TF risks in financial sector and enable
Government Flagship Insurance Schemes
information sharing on ML/TF Risk:
Pradhan Mantri Jeevan Jyoti Bima Yojana
i) Joint Working Group (JWG) under the inter-
(PMJJBY):
ministerial Coordination Committee (IMCC)
which has been set up at national level for PMJJBY is a one-year Group Term Life Insurance
effective coordination and cooperation and to Scheme designed by the Government of India
improve effectiveness of India’s AML/CFT offering life insurance cover for death due to any
regime cause. All individual (single or joint) account holders
of participating banks / Post office, in the age group
ii) Memorandum of Understanding (MoU) with
of 18 to 50 years are entitled to join by giving their
Financial Intelligence Unit-India (FIU-Ind)
consent to join / enable auto-debit. In case of multiple
iii) Quarterly meeting of Financial Sector Regulators accounts held by an individual in one or different
with FIU-Ind banks / Post offices, the person is eligible to join the
scheme through one bank / Post office account only.
During FY 2023-24, Financial Action Task Force
The life cover of two lakh rupees shall be for the one-
(FATF) which is a global watchdog for Money
year period stretching from 1st June of the year to
Laundering (ML) and Terrorist Financing (TF) has
31st May of the next year and is auto-renewable every
commenced the Mutual Evaluation (ME) of India’s
year thereafter. The premium is `436 per annum
AML/CFT framework. The ME process, inter alia,
(for Policy Year 2023-24). As on 31st March, 2024,
involves the assessment of the compliance to the
this scheme is being offered by the public sector Life
FATF recommendations (technical compliance) and
insurer and 13 Private life insurers.
effectiveness of the AML/CFT/CPF framework put
in place by the jurisdiction in preventing the abuse of Pradhan Mantri Suraksha Bima Yojana (PMSBY)
the financial sector for ML/TF/PF purposes.
The Scheme is available to people in the age group
IRDAI under the aegis of Dept. of Revenue has 18 to 70 years with a bank account who give their
actively participated in the ME process. Onsite visit consent to join / enable auto-debit on or before 31st
of FATF Assessment Team (AT) was conducted in May for the coverage period 1st June to 31st May on
November 2023. IRDAI along with select an annual renewal basis. The risk coverage under
representatives from insurance industry interacted the scheme is `2 lakh for accidental death and full
with FATF AT and demonstrated measures put in disability and `1 lakh for partial disability. The
place to prevent abuse of Insurance sector for ML/ premium was `20 per annum for policy year 2022-
TF/PF. 23. The scheme is offered by general insurance
companies who are having tie-up with banks for this
B. Right to Information (RTI) Act, 2005
purpose.
During the year, interaction session was organised
Pradhan Mantri Fasal Bima Yojana (PMFBY) and
for Central Public Information Officers(CPIOs) by
Restructured Weather Based Crop Insurance
First Appellate Authority (FAA) on the provisions of
Scheme (RWBCIS)
RTI Act, 2005 for effective discharge of duties and
responsibilities in accordance with the provisions of The scheme is in continuation with the existing
the Act. Further, pursuant to the Section 4(2), Chapter features and no changes had been made during the
II of the Act, a Committee of CPIOs and FAA has financial year under review.
already been constituted to identify and review
50 Annual Report 2023-241. Pradhan Mantri Fasal Bima Yojana (PMFBY) c. To conduct CCEs through Mobile application
was launched from Kharif 2016 with an aim to specially designed by Govt. Of India. This will
support production in agriculture by providing increase transparency and also help in fast
an affordable crop insurance product to ensure dissemination of data.
comprehensive risk cover for crops of farmers
d. To Involve Technological Interventions-
against all non-preventable natural risks from
YESTECH (Yield Estimation System Through
pre-sowing to post-harvest stage. PMFBY
Technology), WINDS (Weather Information
constitutes more than 90 per cent of total crop
Network and Data System), CROPIC (Collection
insurance business in India. The scheme is
of Real-time Photo and Observation of Crop)
implemented by empaneled general insurance
for Yield estimation and Crop Health. This will
companies. PMFBY scheme has been
help in confidence building of stakeholders and
enhanced recently as under:
will reduce delay in availability of AY data.
a. More flexibility to states to choose;
2. Restructured Weather Based Crop Insurance
i. Profit Sharing Model or Scheme (RWBCIS) was launched on 18th
February, 2016 and aims to mitigate the
ii. Cup and Cap model (60:130) or
hardship of the insured farmers against the
likelihood of financial loss on account of
iii. Cup and Cap model (80:110)
anticipated crop loss resulting from adverse
This will facilitate state to choose risk transfer weather conditions relating to rainfall,
option as per their budget and requirement. temperature, wind, humidity etc. RWBCIS uses
weather parameters as “proxy for crop yields in
b. To ensure timely release of premium subsidy
compensating the cultivators for deemed crop
and to maintain strict financial discipline, Subsidy
losses. All standard Claims are processed and
payment will be streamlined through escrow
paid within 45 days from the end of the risk
account jointly administered by State Govt. and
period. Both PMFBY and RWBCIS are being
Govt. of India. Also all the financial transaction
administered by Ministry of Agriculture.
(Subsidy or Claims) shall be routed through
National Crop Insurance Portal (NCIP).
Annual Report 2023-24 51HIGHLIGHTSHIGHLIGHTSHIGHLIGHTSHIGHLIGHTSPART – II
REVIEW OF WORKING
AND OPERATIONSREVIEW OF WORKING AND OPERATIONS
II.1 Regulation of Insurance and Reinsurance Furthering the goal of creating an enabling regulatory
Companies environment that prioritizes policyholders’ interests
while fostering innovation, competition, and
Comprehensive Review and Simplification of
sustainable growth in the insurance sector, IRDAI
Regulatory Framework:
approved ten principle-based regulations during the
FY 2023-24. Of these eight were consolidated
IRDAI has undertaken a comprehensive review of
regulations and two were new regulations. These
the regulatory framework pertaining to the insurance
regulations have been brought in after a thorough
sector to promote ease of doing business and
review of the insurance sector’s regulatory
reducing compliance burden while ensuring
framework.
protection of policyholders’ interests.
The regulations, inter alia cover critical areas such
As a result, all the regulations, circulars and
as protecting policyholders’ interests, obligations
guidelines pertaining to insurance sector have
towards rural and social sectors, Motor Third Party
undergone a thorough evaluation and examination
Insurance, electronic insurance marketplace –
for their relevance, agility, simplicity and adaptability,
popularly known as ‘Bima Sugam’, unified norms for
along with the associated burden and cost of
all category of insurance products, operation of
compliances. One of the key elements of evaluation
foreign reinsurance branches, and aspects relating
was wide consultations with stakeholders in particular
to registration of insurance companies, actuarial
and with public in general. These consultations
practices, finance, investment, expenses of
imparted critical inputs and deep insights resulting
management including commission and corporate
in better understanding of the ground realities, the
governance.
needs of the sector and transformations required
therein.
Apart from the rationalization of regulations, the
Regulatory Action Report System (RARS), a
This extensive and participative process led to
centralized data repository of actions taken by IRDAI
condensing the number of regulations pertaining to
on violations of regulated entities is also under active
insurers and intermediaries to 28 from 78 as on 31st
consideration. The RARS is expected to bring
March, 2024. Similarly, to reduce compliance burden
transparency and accessibility to historical records.
and to enhance operational efficiencies in the
The system is discussed in detail in Box Item III.2
insurance sector, 167 circulars were repealed.
With the objective to enable insurers to offer
Further, 82 returns have been rationalized and a one-
customised insurance products seamlessly, IRDAI
stop reference for all regulatory returns to be filed
has de-notified the general regulations, terms and
with IRDAI has been provided.
conditions and other specifications to all prevailing
The revised framework is more principle based and tariffs of general insurance products. The de-
allows sufficient flexibility to insurers with necessary notification of these tariffs is a significant milestone
guardrails and at the same time reduces the that is discussed in detail in the Box Item III.1.
compliance cost. A sunset clause of three years has
IRDAI is developing the Indian Risk-Based Capital
been added to ensure regular /periodic review and
(Ind-RBC) Framework to help insurers maintain
incorporate dynamism into the regulatory landscape.
Annual Report 2023-24 61adequate capital relative to their risks, optimizing with IRDAI are allowed to provide reinsurance
capital use and risk management. As part of this services in India. Additionally, IFSCA Insurance
transition from the current factor-based model, IRDAI Offices (llOs) and Cross Border Reinsurers (CBRS)
has initiated the First Quantitative Impact Study are also permitted to provide Reinsurance services.
(QIS1) to assess its impact on insurers’ capital and
In order to enhance reinsurance business and
solvency, accompanied by a ‘Technical Guidance’
streamline regulatory provisions for Indian Insurers,
document. Insurers must submit QIS1 outcomes
including FRBs and IIOs, IRDAI notified the IRDAI
within a set timeframe, with subsequent studies
(Re-insurance) (Amendment) Regulations 2023 on
planned to refine the framework.
23rd August 2023. These regulatory changes are in
To solidify a principle-based regulatory framework, line with the objective to have in place an enabling
IRDAI is also developing and implementing a Risk- legal framework to make India a reinsurance hub.
Based Supervisory (RBS) framework for the Indian
The Amendment Regulations brought changes to the
insurance industry. IRDAI aims to promote robust
IRDAI (Re-insurance) Regulations 2018, the IRDAI
supervision focused on consumer protection. This
(Registration and Operations of Branch Offices of
initiative represents a significant shift towards global
Foreign Reinsurers other than Lloyd’s) Regulations
best practices, emphasizing proportionality,
2015, and the IRDAI (Lloyd’s India) Regulations 2016.
materiality, and a comprehensive analysis of the
The key changes introduced by the amendment
activities of regulated entities.
regulations include-
The brief of regulations notified during the year under
• Indian Reinsurers (including FRBs) required to
review is as under:
maintain a minimum retention of 50 per cent
II.1.1 IRDAI (Re-insurance) (Amendment) within India of the Indian reinsurance business
Regulations 2023 underwritten and any retrocession to an IIO, up
to 20 per cent, counts towards this minimum
II.1.1.1 Reinsurance is an important tool for insurers
retention requirement.
to manage earnings and balance sheet volatility more
efficiently. By engaging in reinsurance, insurers can • Introduced a new and simplified Order of
limit their exposure to large risks, catastrophic events Preference, which cedant insurers are required
and enhance their financial stability. to follow for all reinsurance placements.
Previously spanning to six levels, now this has
The reinsurance landscape in India has evolved
been streamlined to four levels as under:
significantly, especially since the enactment of the
Insurance Laws (Amendment) Act, 2015 which a) Category 1: Indian Reinsurer (at present, only
facilitated the entry of major global reinsurers into GIC Re);
the Indian market through their branches.
b) Category 2: IIOs (which invest 100 per cent of
Under the extant reinsurance regulatory framework, retained premiums, emanating from Indian
Indian Reinsurers (Currently only GIC of India) and Insurers, within the Domestic Tariff Area) and
Foreign Reinsurance Branches (FRBs) registered FRBs;
62 Annual Report 2023-24c) Category 3: Other IIOs sectors, while simplifying the monitoring process for
life insurance. This initiative is part of a broader
d) Category 4: Other Indian Insurers (only in
regulatory reform aimed at shifting towards principle-
respect of per-risk facultative placements in the
insurance segment for which the Insurer is based regulations and rationalizing the existing
registered to transact business) and CBRs regulatory framework.
• Compliance and reporting requirements have
These Regulations combine three erstwhile
been simplified. The Amendment Regulations
Regulations, viz., IRDAI (Expenses of Management
introduced certain relaxations in terms of the
of Insurers transacting General or Health Insurance
manner/format of the regulatory filings as well
as the records to be maintained by Indian Business) Regulations, 2023, IRDAI (Expenses of
Insurers Management of Insurers transacting Life Insurance
Business) Regulations, 2023 and IRDAI (Payment
• Minimum capital requirement for opening a new
of Commission) Regulations, 2023.
FRB has been lowered from `100 Crore to `50
Crore, with the provision to repatriate any excess
II.1.3 IRDAI (Insurance Products) Regulations,
assigned capital.
2024
The Amendment Regulations signify a significant shift
in India’s reinsurance landscape, fostering a more II.1.3.1 The IRDAI (Insurance Products) Regulations,
favourable business environment and positioning
2024 provide a unified framework merging six
India as a leading global reinsurance hub.
erstwhile regulations aimed at facilitating the industry
responsiveness to the dynamic market demands thus
II.1.2 IRDAI (Expenses of Management, Including
Commission of Insurers) Regulations, 2024 enhancing ease of conduct of business and boosting
insurance penetration. A detailed write-up about the
II.1.2.1 The IRDAI (Expenses of Management,
regulation is placed at Box Item II.1.
Including Commission of Insurers) Regulations, 2024
were amended to give insurers greater flexibility in II.1.4 IRDAI (Registration, Capital Structure,
managing their expenses, including commissions. Transfer of Shares and Amalgamation of
This aims to help them optimize resource use, Insurers) Regulations, 2024
enhance benefits for policyholders, and improve
insurance penetration, all within the limits set by the II.1.4.1 IRDAI has notified IRDAI (Registration,
IRDAI. Capital Structure, Transfer of Shares and
Amalgamation of Insurers) Regulations, 2024 which
These amendments seek to balance operational
superseded the IRDAI (Registration of Indian
flexibility and regulatory oversight by imposing EoM
Insurance Companies) Regulation, 2022. Major
limits at the company level, rather than the previous
changes of the Regulations are as follows:
segmental level, for general and health insurance
Annual Report 2023-24 63a. Lock-in period: e. Requirement of prior-approval for listing of
shares on stock exchanges is dispensed with
i. Current Regulation allow relaxation only to
subject to compliance with certain conditions
facilitate listing. Enabling provision is made
including:
to relax in case of financial distress
condition of insurer or shareholder. i. Insurer to intimate IRDAI at least 15 days
prior to approaching SEBI.
ii. No lock-in in following cases:
ii. Insurer to seek prior-approval for transfer
1. Shares allotted to employees or
of shares u/s 6A.
directors of insurer pursuant to any
scheme for the benefit of employees f. Revision in processing & annual fees:
or directors of insurer.
i. The maximum amount of annual fees to be
2. Investors holding not more than 1 per paid by Insurers has been increased from
cent of the equity capital of the insurer. `10 crore to `15 crore
b. Security premium: At Registration stage (till ii. Application fee for Amalgamation is to be
commencement of business) paid by each insurer separately.
i. Shares of applicant or SPV (Special iii. Application Fee for Transfer of Shares is
Purpose Vehicle) to be issued only at face `50 lakh (if proposed transfer is more than
value. 50 per cent equity) or `5 lakh (in other
cases).
ii. Infusion of funds by shareholders of
applicant or SPV to be in proportion of II.1.5 IRDAI (Corporate Governance for
equity stake. Insurers) Regulations, 2024
c. Nomination of Director: No shareholder shall II.1.5.1 The IRDAI (Corporate Governance for
nominate any director on the board of any Insurers) Regulations, 2024 were introduced to
insurer if it has already nominated director on establish a strong governance framework for insurers
the board of any other insurer engaged in the and clearly define the roles and responsibilities of
same class of insurance business. the board and management. For the first time,
existing governance guidelines have been formalized
d. Approval for transfer of shares: Provide clarity
as regulations. These regulations highlight the
on seeking prior-approval for every 5 per cent
importance of adopting sound and prudent
(for transferee) and transfer of every 1 per cent
governance practices, with a focus on meeting the
(for transferor) in a financial year.
expectations of all stakeholders, particularly
64 Annual Report 2023-24policyholders. Emphasizing transparency, • Validity period of registration for service
accountability, and ethical conduct, they aim to foster company of Lloyd’s is removed;
trust and confidence among stakeholders.
• Provisions with regard to Amalgamation, Merger,
II.1.6 IRDAI (Registration and operations of Acquisition, Transfer or Restructuring of FRBs
Foreign Reinsurers’ Branches and Lloyds India) have been introduced.
Regulations, 2024:
• Prior approval of the Authority for opening of
II.1.6.1 In order to promote ease of doing reinsurance additional offices and transfer of profits/ surplus
business, and with an intent of streamlining various of India branch operations by FRBs, dispensed
regulations, the Authority notified the IRDAI with, subject to conditions;
(Registration and operations of Foreign Reinsurers’
• Provisions relating to appointment and
Branches and Lloyds India) Regulations, 2024 on
remuneration of CEO and KMPs of FRBs and
20th March 2024. The new regulations combine the
outsourcing of activities by FRBs have been
two erstwhile regulations, viz. the IRDAI (Registration
modified;
and Operations of Branch Offices of Foreign
Reinsurers other than Lloyd’s) Regulations, 2015 and
All the formats and non- substantive provisions have
IRDAI (Lloyd’s India) Regulations, 2016.
been moved to the Master Circular.
The new regulations are a unification of common
II.1.7 IRDAI (Bima Sugam - Insurance Electronic
provisions applicable for both Lloyd’s and other than
Marketplace) Regulations, 2024
Lloyd’s in a single set of regulations. The regulations
also introduce some operations and governance II.1.7.1 These regulations aim to establish a digital
related provisions, in order to bring more clarity in public infrastructure named Bima Sugam towards
the stipulations. The salient features of the new universalization and democratization of insurance as
regulations are as under: well as safeguarding policyholders’ interests. The
marketplace will serve as a one-stop solution for all
• ‘Line of business’ introduced to specify the
insurance stakeholders including customers,
category of business for registration of FRBs;
insurers, intermediaries, and agents, thereby
promoting efficiency, transparency, and collaboration
• Validity period of 3 months for requisition and
across the entire insurance value chain.
R1 approval for FRBs is introduced;
The e-marketplace is expected to enhance
• The definition of ‘Service Company’ has been
accessibility of insurance coverage, digitally empower
modified to make it more flexible and to enable
all stakeholders and ensure end-to-end solutions.
more entities under the Lloyd’s India platform;
Annual Report 2023-24 65BOX II.1
IRDAI (Insurance Products) Regulations, 2024 – Enabler for comprehensive product solutions
In continuation to series of regulatory reforms for conducive regulatory environment that protects interests of
the policyholders, provides seamless services to insured population and encourages innovation, competition,
and sustainable growth in the insurance industry, the IRDAI issued the IRDAI (Insurance Products) Regulations,
2024 by merging the following six regulations into a single principle based framework applicable for Life,
Health and General Insurance business:
• IRDAI (Micro Insurance) Regulations, 2015;
• IRDAI (Minimum limits of Annuities and other benefits) Regulations, 2015;
• IRDAI (Acquisition of Surrender and Paid up values) Regulations, 2015;
• IRDAI (Health Insurance) Regulations, 2016;
• IRDAI (Unit Linked Insurance Products) Regulations, 2019;
• IRDAI (Non-Linked Insurance Products) Regulations, 2019;
The insurance products regulations intend to enabling insurers to promptly respond to evolving market needs,
enhancing the ease of conducting business and reducing compliance burden for boosting insurance penetration.
The regulations aim at promoting good governance in product design and pricing and ensuring the protection
of interests of policyholders and thereby, fostering a competitive marketplace. Additionally, the regulations
ensure that the insurers adopt sound management practices for effective oversight and due diligence.
Salient features of Life Insurance Products:
• Mostly principle based with the objective of protection of interests of policyholders.
• Strengthening the governance framework covering underwriting, advertisement, product design and
pricing.
• Strengthening the principles governing guaranteed surrender value and special surrender value along
with disclosures.
• Encouragement for the development of innovative insurance products for different segments/strata of
the society to provide wider choices as per their dynamic needs
• Introduction of ‘Variable Annuity Pay-out’ whereby annuity payments may vary with publicly available
benchmark along with appropriate disclosure and benefit illustrations to policyholders/customers.
• Introduction of ‘Indexed Linked Products’ under Unit Linked Platform.
• Facilitation of ‘Group fund based products’ for ‘Non-employer-employee groups’.Salient features of Health Insurance Products:
• Insurers shall ensure that they offer health insurance products to cater to all the age groups and shall
endeavour to offer coverage for persons with all type of existing medical conditions.
• With respect to Pre Existing Diseases (PED); the maximum waiting period permitted for disclosed PED
brought down from the existing 48 months to 36 months, the maximum waiting period permitted for
undisclosed PED brought down from the existing 96 months to 60 months and the period for categorizing
any condition, ailment, injury or disease reduced as PED reduced from 48 months prior to policy
commencement to 36 months prior to policy commencement
• The maximum waiting period permitted for specified diseases/treatment brought down from the existing
48 months to 36 months. This specific waiting period shall not be applicable for claims made owing to an
accident.
• Insurers shall have board approved policy to place AYUSH treatment at par with other treatments and to
provide an option to the policyholders.
• A health insurance policy shall be renewable except on grounds of established fraud, moral hazard or
misrepresentation by the insured, provided the policy is not withdrawn and insurers are specifically allowed
to offer discounts based on the good claim experience.
• General and Health Insurers can now offer individual health insurance products (benefit and indemnity
products) for less than one-year and more than 3 years’ term. Credit Linked Products can be offered for
the term up to 5 years. Life insurers can now offer benefit based individual health insurance products for
less than five-year term.
• Coverage shall be provided during the grace period, if premium is paid in instalments.
• Premium shall remain unchanged for the policy term. It is specified that the insurers shall ensure that the
premium rates are fair and not excessive, inadequate, unfairly discriminatory and provide value for money.
Insurers are permitted to price and revise the product as per the product experience.
The above features enable insurers to offer customized insurance products to the varying market segments
seamlessly.II.1.8 IRDAI (Actuarial, Finance and Investment prudence, any positive movement in Fair Value
Functions of Insurers) Regulations, 2024: Change Account is not allowed to be considered
in solvency calculation. Liabilities are valued in
II.1.8.1 IRDAI notified IRDAI (Actuarial, Finance and
line with the Actuarial principles and
Investment Functions of insurers) Regulations, 2024
methodologies as set out in the regulations.
which superseded the IRDAI (Preparation of Financial
Statements and Auditors’ Report of Insurance Finance Functions:
Companies) Regulations, 2002 and subsequent
a) Procedure to determine valuation of ‘Real
amendments. Major changes of the Regulations are
Estate–Investment property’ in case of general
as follows:
insurers including health insurers and those
Actuarial Functions: insurers engaged exclusively in reinsurance
business have been made consistent with the
a) The Actuarial functions include the Appointed
procedure to determine valuation of ‘Real
Actuary system, valuation of assets and liabilities
Estate–Investment property’ in case of life
for life and general insurance business along
insurers resulting in harmonization of the
with the computation of solvency margin.
valuation procedures for real estate investment
properties across different types of insurers.
b) The Appointed Actuary in an insurance/
reinsurance company plays paramount role in
b) Formats/ line items specified post issuance of
the areas covering, amongst others, product
IRDAI (Preparation of Financial Statements and
designing and pricing, reinsurance, risk
Auditors’ Report of Insurance Companies)
management, maintenance of solvency,
Regulations, 2002, vide various circulars/
investment and compliance with various
directions have been suitably inserted in IRDAI
regulatory mandates.
(Actuarial, Finance and Investment Functions
of insurers) Regulations, 2024 in order to ensure
c) The Regulations cover detailed methodologies
consistency with public disclosure requirements.
and principles of valuation of assets and liabilities
for the purpose of demonstration and
Investment Functions:
assessment of solvency position of insurers/
reinsurers. a) Debentures secured by a first charge on any
immovable property, plant or equipment of any
d) Assets are valued in accordance with the
company which has paid interest in full without
principles prescribed in preparation of financial
any default shall be considered as Approved
statements of the insurer. However, certain listed
Investment. Number of years’ criteria for receipt
assets are not admissible in demonstration of
of interest is now replaced with payment of
solvency margin. Similarly, for the purpose of
interest without default.
68 Annual Report 2023-24b) In order to encourage further investments in The regulations have re-defined the unit of
housing sector, besides Bonds/Debentures, measurement for fulfilment of rural sector obligations
Equity investment in Housing Finance as the Gram Panchayat. The scope of social sector
Companies/HUDCO is treated as part of the obligations has been expanded to include
exposure to Housing and Infrastructure Sector. cardholders and beneficiaries under various
government schemes. The unit of measurement for
c) Timeline to submit quarterly returns is now
the fulfilment of motor third party obligations will be
increased to 45 days from the existing 30 days
renewal of insurance coverage to passenger
from the end of the quarter. vehicles, goods vehicles and tractors. A detailed
write-up on the regulations is placed at Box II.2.
d) In order to enhance ease of doing business and
encourage investments in infrastructure sector, II.1.10 IRDAI (Protection of Policyholders’
investments in Infrastructure Debt Funds are Interests, Operations and Allied Matters of
allowed based on certain conditions without the Insurers) Regulations, 2024
requirement of prior approval.
II.1.10.1 The IRDAI (Protection of Policyholders’
e) Investment in private placement of promoter Interests, Operations and Allied Matters of Insurers)
group companies falling under top 100 listed Regulations, 2024 were notified on 20th March, 2024.
companies by market capitalization and Central The Regulations are in two parts. Part – A deals with
Public Sector Enterprise is allowed. provisions relating to protection of interests of the
policyholders and Part-B covers provisions relating
f) The exposure limit for investment in Banking,
to operations and allied matters of the insurers. This
Financial Services, and Insurance (BFSI) sector
regulation consolidated eight regulations into a unified
is increased to 30 per cent structure, focusing on several key objectives aimed
at ensuring fair treatment of prospects during
g) The requirement of confirmation by Statutory
solicitation and sale of insurance policies and
Auditor of the Insurer on a quarterly basis for
protecting the interests of policyholders throughout
compliance to Board monitoring of parameters
their engagement with insurers and distribution
like premium, claim, expenses and investment
channels. These regulations emphasized the
yield etc., is dispensed.
adoption of standard procedures and best practices
by insurers and distribution channels to fulfil their
II.1.9 IRDAI (Rural, Social Sector and Motor Third
obligations towards policyholders, including
Party Obligations) Regulations, 2024
grievance redressal and policyholder-centric
II.1.9.1 These regulations were amended by governance. The Regulations require every insurer
consolidating two erstwhile regulations on minimum to have in place a Board approved policy for
business obligations with respect to rural and social protection of policyholders’ interests. Other key
sectors and motor third party business for insurers. provisions of the new regulations include:
Annual Report 2023-24 69• Extended Free Look Period: • Customer Information Sheet (CIS):
Policyholders now have 30 days to review their Insurers are obligated to provide policyholders
insurance policies and cancel them if the terms with a detailed customer information sheet along
and conditions of the policy (Life and Health) with the policy document which is a statement
are not acceptable, regardless of the purchase that provides in simple words, important
method. information and basic features of the policy
issued at one place.
• Faster Refund Processing:
• Financial underwriting has been made
Reduced timelines for processing of refund on
mandatory in case of life Insurance policies.
the free-look cancellation requests.
Additionally, the regulations specified norms to
• Mandatory Bank Account Information:
promote prudent practices in risk management
related to outsourcing activities by insurers.
Insurers are mandated to capture Insured’s bank
Furthermore, the regulations ensured that the
account information during the proposal stage
opening or closing of places of business by insurers,
to facilitate electronic transfer of refund or claim
both domestically and internationally, is conducted
payments.
in a manner that prioritizes the interests of
• Mandatory Nomination: policyholders.
Nomination is now mandatory for all life II.2 Insurance Agents and Insurance
insurance policies. Intermediaries Associated with Insurance
Business
• Nomination for General and Health
Insurance: II.2.1 Insurance Agents
An Insurance Agent is an individual appointed by an
Nomination provisions have been introduced for
Insurer for the purpose of soliciting or procuring
general and health insurance policies, wherever
insurance business including business relating to
applicable.
continuance, renewal or revival of policies of
• Electronic Policy Issuance: insurance. No individual shall act as an insurance
agent for more than one life insurer, one general
All insurance policies must be issued in
insurer and one health insurer and one each of the
electronic format and if requested by the
specialised insurers. The appointment of individual
policyholder, the insurer is required to issue a
agents is governed by the IRDAI (Appointment of
physical copy also.
Insurance Agents) Regulations, 2016.
70 Annual Report 2023-24BOX II.2
Rural, Social Sector and Motor Third Party Obligations – Driving Inclusive Insurance
The Rural and Social Sector Obligations are derived from Sections 32B and 32C of the Insurance Act, 1938
which stipulates that every insurer in India shall undertake a specified percentage of their business in the rural
and social sectors. Section 32D specifies minimum third party motor insurance business that the insurer
carrying on general insurance business is required to underwrite as specified by IRDAI in the Regulations.
These statutory obligations serve as enablers for the insurers, achieving the goal of insurance inclusion in the
untapped segments in rural and social sectors, as well as bringing uninsured vehicles under coverage.
To ensure that insurance protection reaches all these segments, IRDAI constituted a committee to revisit the
Rural, Social sector and Motor Third-Party (MTP) obligations for the industry. The committee was also tasked
with suggesting methods that would enable greater insurance penetration, in line with IRDAIs vision of
“Insurance for All by 2047”. After comprehensive review by the committee, the IRDAI (Rural, Social Sector,
and Motor Third Party Obligations) Regulations, 2024 were notified consolidating 2 erstwhile regulations
pertaining to minimum business obligations in rural, social sector and motor third party business for insurers.
The revised regulations mark a significant change in how insurance inclusion is measured. For General
Insurance, the focus has shifted from Gross Direct Premium to the number of policies issued at Gram Panchayat
level, with an emphasis on covering Motor vehicles, Dwellings and Shops. For Life and Health insurance, the
number of lives covered under life insurance or health and personal accident insurance in a gram panchayat
are reckoned instead of number of policies issued.
The new regulations require collaboration amongst various stakeholders, namely; insurers, Gram Panchayats,
and Gram Sachivs (secretaries). These stakeholders will work together to achieve insurance inclusion in the
overall vision of Insurance for All by 2047. Further, Life and General Insurance Councils will identify and
allocate Gram Panchayats to the insurers based on agreed criteria, and collaborate with the local authorities
to gather data on number of lives, number of dwellings, shops and motor vehicles in a gram panchayat.
The scope of social sector has been enhanced to cover cardholders (like BPL cardholders, E-Shram
cardholders, MNREGA cardholders, DBT beneficiaries, Jan Dhan Account holders etc.) and beneficiaries
under various schemes (like PM Kisan Samman Nidhi Yojana, PM Jan Arogya Yojana, PM Awas Yojana, PM
Viswakarma Yojana, PM Mudra Yojana etc.). To enable greater coverage of lives, the proportion of lives
stipulated as social sector obligation has been raised from 0.5-5 per cent to 10 per cent of all lives covered for
all Life, General and Standalone Health insurers. This shift widens the social sector insurance net significantly,
bringing more lives under its protection. Councils will coordinate with government agencies and appropriate
authorities to gather data for social sector population and share the same with insurers for fulfilling the social
obligations.
The revised Motor Third Party Regulations move away from focusing on each insurer’s Gross Direct Premium
(GDP), and instead emphasize market share of the insurer and growth in number of insured vehicles specifically
for Goods carrying, Passenger carrying vehicles and tractors. In a carefully designed methodology, the general
insurers (excluding SAHI and specialized insurers), have been assigned a year-on-year target percentage
increase in renewed policies of insured vehicles and coverage of uninsured vehicles in the categories of
Passenger Carrying Vehicles (PCV), Goods carrying Vehicles (GCV) and Tractors (Miscellaneous Segment).
To annihilate uninsured vehicles, an operative clause of minimum of 30 days of gap of insurance is prescribed
for fulfillment of MTP Obligations by the insurers. Further, the insurers are supposed to collaborate with
Insurance Information Bureau (I.I.B.) and Road Transport Authority of each State in coordination with General
Insurance Council, to identify and prepare a list of such uninsured vehicles containing the Registration number
and Name of the Vehicle owner, under each category of PCV, GCV and Tractors.
The new IRDAI (Rural, Social sector and Motor Third Party Obligations) Regulations 2024 is one step towards
the IRDAI’s commitment of ‘Insurance for All by 2047’, and ensuring total coverage of uninsured vehicles.Insurance Agents associated with Life Insurers Insurance Agents associated with General and
Health Insurers
II.2.1.1 The number of individual agents as at 31st
March, 2024 was 28.95 lakhs as against 26.28 lakhs II.2.1.3 Number of agents associated with general
as at 31st March, 2023. The industry showed a insurers as on 31st March, 2024 recorded a de-growth
growth of 10.17 per cent in net number of agents of 3.9 per cent as compared to agents as on 31st
over the previous year. While the private life March, 2023. There are no agents associated with
insurers recorded a growth of 15.60 per cent, Public specialized insurers. Out of the total 6,99,150 agents
sector Life Insurer recorded a growth of 5 per cent. of general insurers, 76.30 per cent are male and
As at 31st March, 2024, the number of agents with 23.70 per cent are female.
Public Sector Insurer stood at 14.15 lakhs and the
II.2.1.4 Number of agents associated with
corresponding number for private Life sector
standalone health insurers recorded a growth of 12.71
insurers was 14.81 lakhs.
percent over the previous year. Out of the total
II.2.1.2 During the year 2023-24, 9.75 lakh agents 13.06 lakh individual agents of Stand-alone health
insurers, 71 percent are male and 29 percent are
were appointed and 6.98 lakh agents were
female. Overall number of insurance agents
terminated. Out of the total 28.95 lakh individual
associated with general and health insurers at the
agents of Life insurance industry, male individual
end of 2023-24 saw a 6.30 per cent growth from the
agents form 69.87 per cent and female individual
previous year.
agents are 30.13 per cent.
Table II.1: Insurance Agents Associated with Life, General & Health Insurers
As on March Appointment Termination As on March
Insurer
31, 2023 during 2023-24 during 2023-24 31, 2024
Public Sector Life Insurer 13,47,325 4,18,596 3,51,178 14,14,743
Private Sector Life Insurers 12,80,883* 5,56,380 3,46,322 14,80,695
Life Insurance Industry Total # 26,28,208 9,74,976 6,97,500 28,95,438
Public Sector General Insurers 3,09,748 11,034 2,686 3,18,096
Private Sector General Insurers 4,17,745 85,923 1,22,614 3,81,054
General Insurance Industry Total 7,27,493 96,957 1,25,300 6,99,150
Stand-alone Health Insurers 11,58,294 2,15,457 68,182 13,05,569
Industry Total 45,13,995 12,87,390 8,90,982 49,00,157
Note: An individual agent may be associated with one Life, one General, and one Health Insurance company in any combination.
* The Number of Individual Agents as at 31.03.2023 is inclusive of Agents of Sahara India Life Insurance Company Limited.
# Life insurance business of Sahara India Life Insurance Company Ltd (SILIC) is transferred to SBI Life Insurance Company Ltd
(SBI Life) by IRDAI vide its order dt. 2.6.2023 and the above data / information for the FY 2023-24 does not include data / information
pertaining to SILIC.
72 Annual Report 2023-24Table II.2: Gender-wise Distribution of Insurance Agents Associated
with Life, General & Health Insurers
Insurer Male Female Others Total
Public Sector Life Insurer 10,55,671 3,59,072 0 14,14,743
(74.62) (25.38) (0.00) (100)
Private Sector Life Insurer 9,67,277 5,13,417 1 14,80,695
(65.33) (34.67) (0.00) (100)
Life Insurance Industry Total # 20,22,948 8,72,489 1 28,95,438
(69.87) (30.13) (0.00) (100)
Public Sector General Insurers 2,57,907 60,189 0 3,18,096
(81) (19) (0.00) (100)
Private Sector General Insurers 2,75,571 1,05,483 0 3,81,054
(72) (28) (0.00) (100)
General Insurance Industry Total 5,33,478 1,65,672 0 6,99,150
(76.30) (26.70) (0.00) (100)
Stand-alone Health Insurers 9,31,564 3,74,005 0 13,05,569
(71) (29) (0.00) (100)
Industry Total 34,87,990 14,12,166 1 49,00,157
(71.18) (28.82) (0.00) (100)
Note: Figures in brackets indicate percentage to total
# Life insurance business of Sahara India Life Insurance Company Ltd (SILIC) is transferred to SBI Life Insurance Company Ltd
(SBI Life) by IRDAI vide its order dt. 2.6.2023 and the above data / information for the FY 2023-24 does not include data / information
pertaining to SILIC.
II.2.2 Corporate Agents cross-selling of insurance products. To enhance the
diversity of insurance options available to customers,
II.2.2.1 Corporate Agents are insurance
IRDAI has revised the regulations for Corporate
intermediaries holding a valid registration certificate
Agents, permitting them to establish partnerships with
issued by the IRDAI under the IRDAI (Registration
up to nine life insurers, nine non-life insurers, and
of Corporate Agents) Regulations, 2015. This
nine stand-alone health insurers. As of 31st March,
certification enables them to solicit and service
2024, there were 635 active Corporate Agents,
insurance business across various categories
including 247 banks, 388 NBFCs, cooperative
including life, general and health insurance.
societies, limited liability partnership firms, and other
Corporate Agents primarily consist of entities
eligible entities.
engaged in business sectors other than insurance
distribution. These entities leverage their existing Corporate Agents Associated with Insurance
customer base and market presence to facilitate the Business as on 31st March, 2024 is provided at Table
II.3.
Annual Report 2023-24 73Table II.3: Corporate Agents active with Insurance Business (As on 31st March, 2024)
Category Banks NBFCs & others Total
Life 8 12 20
General 9 26 35
Health 0 0 0
Composite 230 350 580
Total 247 388 635
II.2.3 Insurance Brokers cooperative societies to be appointed as Micro
Insurance agents.
The number of registered brokers was 854 as on
31st March, 2024. Out of this, the valid brokers stood Micro Insurance in Life Insurance Sector
at 683 while the remaining 171 are not in force as
II.2.4.1 Fifty-four micro insurance products of 22 life
on 31st March, 2024. The 683 valid brokers comprise
insurers were available in the market for sale as at
of 609 direct brokers, 70 composite brokers and 4
31st March, 2024. Of these 54 products, 16 are
reinsurance brokers.
Individual products and the remaining 38 are Group
Total 64 new Certificate of Registrations (CoR) were products (Annexure 6). The performance of micro
issued during the period from 1st April, 2023 to 31st insurance business in Life Insurance Sector during
March, 2024 out of which 61 were direct insurance FY 2023-24 is given in Table II.4.
brokers (Life & General) and 3 direct insurance
While the individual new business under the micro
brokers (General). During the same period, 189
insurance segment for the year 2023-24 stood at 3.41
insurance broker registrations were renewed.
lakh new policies with a premium of `152.57 crore,
II.2.4 Micro Insurance Agents the number of lives covered under group micro
business is 1,783.92 lakhs with a premium of
In order to equip low-income groups and
`10,707.82 crore. LIC’s contribution to micro
economically disadvantaged sections, micro
insurance was 2.39 lakh policies with a premium of
insurance as a concept had been brought in the form
`134.85 crore under individual business and 30.49
of affordable insurance products to help them cope
lakh lives with `17.09 crore premium under group
with and recover from financial losses.
business. The private sector contribution to micro
insurance was 1.02 lakh policies and `17.72 crore
Initially IRDAI had notified the Micro Insurance
premium in individual business and 1,753.43 lakh
Regulations in 2005 and later on modified IRDAI
lives with `10,690.73 crore premium under group
(Micro Insurance) Regulations in 2015 permitting
business.
many banking and non-banking financial institutions,
74 Annual Report 2023-24Table II.4: Performance of Micro Insurance Business in Life Insurance Sector
Individual New Business Group New Business
Insurer Policies Premium Schemes Premium Lives
(Lakh) (`````Crore) (`````Crore) covered (Lakh)
Private sector 1.02 17.72 469 10,690.73 1,753.43
Public Sector 2.39 134.85 4,993 17.09 30.49
Total 3.41 152.57 5,462 10,707.82 1,783.92
Note: New business premium includes first year premium and single premium.
The number of micro insurance agents as at 31st of the total Micro Insurance agents, NGOs form 4.49
March, 2024 stood at 1,01,848 of which 19,166 per cent, Self Help Groups (SHGs) form 0.25 per
agents pertain to public sector life insurer and the cent, Micro Finance Institutions (MFIs) form 0.24 per
remaining 82,682 to private sector life insurers. Out cent, Business Correspondents (BCs) form 0.12 per
cent and other MI Agents form 94.90 per cent.
Table II.5 Micro Insurance Agents of Life Insurers
Agents Public Sector Private Sector Total
NGO’s 4,560 9 4,569
SHG’s 257 1 258
MFI’s 214 28 242
Business Correspondents 103 24 127
Other MI Agents 14,032 82,620 96,652
Total 19,166 82,682 1,01,848
Micro Insurance in General Insurance Sector
Personal Accident Sukshma Bima, Micro Gramin
Personal Accident Insurance, Micro Universal Health
II.2.4.2 A General Micro insurance product
Insurance, Sampoorna Griha Suraksha Policy etc.
covers health insurance, personal accident, and
belongings such as livestock, hut, or tools or
IRDAI has permitted Pradhan Mantri Fasal Bima
instruments etc. This product can be availed at an
Yojana (PMFBY) covering non-loanee farmers, to be
individual or a group basis. The various Micro solicited and marketed by Micro Insurance Agents.
Insurance products offered by the general insurance
Total number of general insurance policies issued
companies include Cattle Micro Insurance, Kisan
by Micro Insurance Agents in the year 2023-24 are
Agriculture Pump set Micro Insurance, Janata
as follows:
Annual Report 2023-24 75Table II.6 Number of Micro Insurance Policies Issued II.2.5.1 Number of Entities under IMF and their
corresponding business during the year 2023-24 is
Private Public Total
as under
228 23,518 23,746
Note: Does not include Micro Insurance policies issued by Stand-alone
• 302 NOCs were issued during the year.
Health Insurers
II.2.5 Insurance Marketing Firm • A total of 3,126 NOCs were issued till 31st March,
2024
II.2.5.1 Insurance Marketing Firms (IMFs) are
regulated distribution channels authorized by the • 85 Certificate of Registrations were issued
Insurance Regulatory and Development Authority of during the year
India (IRDAI) to solicit and procure insurance
• A total of 679 registrations were issued till 31st
products. Additionally, they can distribute other
March, 2024.
financial products regulated by the Securities and
Exchange Board of India (SEBI), the Reserve Bank
Out of the 679 registered IMFs, 470 are operational
of India (RBI), the Pension Fund Regulatory and
and the remaining 209 are not active.
Development Authority of India (PFRDA), the
Department of Posts among others. IMFs achieve Business Performance of IMFs
this by employing licensed individuals to market these
products. They are registered under the IRDAI
(Registration of Insurance Marketing Firm)
Regulations, 2015.
Operating under an open architecture model, IMFs
can partner with up to six insurance companies in
various sectors, including life, general, and health
insurance. Moreover, IMFs are permitted to tie-up
with the Agriculture Insurance Company of India Ltd.
(AIC) and the Export Credit Guarantee Corporation
Ltd. (ECGC).
IMFs can offer a wide range of products sold on an
individual or retail basis, with the exception of
II.2.6 Common Public Service Centre-SPV
commercial lines of business, which are limited to
Micro, Small, and Medium Enterprises (MSMEs). The
II.2.6.1 The Common Service Centres (CSC) were
primary goal of the IMF channel is to extend
established under the Digital India programme by the
insurance coverage to rural areas, thereby
Government of India and are managed by CSC e-
contributing to inclusive growth in the country.
Governance Services India Limited. IRDAI initially
76 Annual Report 2023-24issued the IRDAI (Insurance Services by Common to oversee and regulate Insurance Web Aggregators.
Service Centres) Regulations, 2015 which were later
These aggregators are authorized to sell Life,
replaced by the IRDAI (Insurance Services by
General, and Health Insurance products through
Common Public Service Centers) Regulations, 2019.
online and distance marketing channels. As of 31st
Performance of CPSC-SPV channel during the March, 2024, there were 29 certified Insurance Web
year 2023-24 is as under: Aggregators. Below is the performance of the web
aggregator channel for the year 2023-24:
• Total new business premium procured: `511.9
crore
Business Generated by Web Aggregators
• Total renewal premium (Life) collected: `1,858
crore
• No. of RAP who have undergone training and
have passed the exam and have been issued
certificates in 2023-24: 5,094
• No. of RAP who have undergone training and II.2.8 Point of Sales Persons (POSPs)
have passed the exam and have been issued
II.2.8.1 In order to facilitate the growth of insurance
certificates since inception: 1,05,742
business in the country and to enhance insurance
• No. of VLE-Ins who have undergone training and
penetration and insurance density, the IRDAI as part
have passed the exam and have been issued
of its developmental agenda issued Guidelines on
certificates in 2023-24: 22,899
“Point of Sales Persons “. POSP means an individual
• No. of VLE-Ins who have undergone training and
who possesses the minimum qualifications, has
have passed the exam and have been issued
undergone training and passed the examination as
certificates since inception: 2,68,430
specified in the POSP guidelines and solicits and
II.2.7 Insurance Web Aggregators markets only such products as specified by the IRDAI.
II.2.7.1 The IRDAI (Insurance Web Aggregators)
The number of POSP as on 31st March, 2024
Regulations, 2017, were issued on 13th April, 2017,
was 20,43,272.
Table II.7: Number of POSPs with Corresponding Sponsoring Agencies
Sponsoring agency No. of sponsoring agencies No. of POSP
Insurers 48 7,80,392
Insurance Brokers 256 9,92,721
Corporate Agents 62 2,70,159
Total 366 20,43,272
Annual Report 2023-24 77II.2.9 Motor Insurance Service Provider in distributing and servicing motor insurance policies
and to have regulatory oversight over their activities
II.2.9.1 The IRDAI has issued Motor Insurance
connected to insurance.
Service Provider (MISP) guidelines in 2017 with an
objective to recognize the role of automotive dealer The number of MISP registered as on 31st March,
2024 was 25,206.
Table II.8: Number of MISPs with various Sponsoring Agencies
Sponsoring agency No. of sponsoring agencies No. of MISP
Insurers 19 9,499
Insurance Brokers 27 15,336
Corporate Agents 6 371
Total 52 25,206
II.2.10 Insurance Repositories They are:
• NSDL National Insurance Repository
II.2.10.1 The Insurance Repository System, an
• CDSL Insurance Repository Limited
initiative by the IRDAI, aims to dematerialize
insurance policies. To achieve this, the IRDAI issued • CAMS Repository Services Limited
guidelines on Insurance Repositories and the • Karvy Insurance Repository Limited
electronic issuance of insurance policies in the year
II.2.11 Insurance Surveyors and Loss
2011. These guidelines were later revised in May
Assessors
2015. As of 31st March, 2024, a total of 1.83 crore
number of Electronic Insurance Accounts (eIAs) had
II.2.11.1 Surveyors and Loss Assessors (SLA) play
been created, and 1.83 crore policies had been
a crucial role in the evaluation and settlement of
converted to electronic mode since April 2011. During
claims related to general insurance policies. A person
FY 2023-24, 42.18 Lakh eIA have been created and
(Individual/Company/Firm) willing to act as SLA must
46.52 Lakh e-Insurance policies have been credited.
obtain license from the Insurance Regulatory and
Development Authority of India (IRDAI) as mandated
There are four Insurance Repositories approved by
under Section 42D of the Insurance Act, 1938 read
the IRDAI as on 31st March, 2024.
with clause (f) of sub-section (1) of Section 2 of the
Insurance Regulatory and Development Authority
78 Annual Report 2023-24Act, 1999. In order to obtain license to act as SLA, II.2.12 Third Party Administrators (TPAs)
an individual must possess the academic
qualifications specified by the IRDAI and must be a II.2.12.1As at 31st March, 2024 there were 19 active
member of a professional body, namely the Indian TPAs. Two new TPAs namely AKNA Health
Institute of Insurance Surveyors and Loss Assessors
Insurance TPA Private Limited and Link-K Insurance
(IIISLA), as per Section 64UM of the Insurance Act,
TPA Private Limited were registered during 2023-
1938. However, there is an appeal provision under
24. The TPAs expanded the network of hospitals by
the IRDAI (Insurance Surveyors and Loss Assessors)
adding 69,334 number of health services agreements
Regulations, 2015, for individuals who cannot obtain
to their networks. After withdrawal/removal of 10,782
membership of IIISLA. Section 64UM of the
the number of agreements in the network were of
Insurance Act, 1938, also mandates that no claim
for a loss occurring in India and requiring settlement 2.44 lakh as on 31st March, 2024. The TPA-wise
in India, where the claim amount equals or exceeds network agreements are provided at Annexure 11.
the value specified in the regulations by IRDAI, shall
be admitted or settled by the insurer unless a report II.2.13 Performance of Insurance Agents and
on the loss is obtained from a person licensed to act Intermediaries in Life Insurance Business
as a surveyor and loss assessor.
Individual New Business
Number of SLA Licences Issued
II.2.13.1 The individual agents continue to be the
major distribution channel for individual new
business. However, the contribution of individual
agents to the individual new business premium has
marginally decreased to 50.90 per cent during the
year 2023-24 compared to 52.76 per cent in 2022-
23. For the public sector insurer, individual agents
are the dominant channel of distribution with a
share of 96 per cent in individual new business
premium while individual agents under private
sector contribute 22.69 per cent of their individual
new business premium. The second major
distribution channel of individual new business is
corporate agents. The contribution of corporate
Annual Report 2023-24 79agents, which was at 35.11 per cent during 2022- Group New Business
23 has decreased marginally to 35.05 per cent in
II.2.13.3 Direct selling showed a decline but
the year 2023-24. The share of corporate agents
continued to be the dominant channel of distribution
in the new business premium procured by the
for group business, with a share of 82.74 per cent
private life insurers was significant at 55.12 per
of premium during 2023-24. The corresponding
cent in 2023-24 (57.02 per cent in 2022-23). On
share in 2022-23 was 84.55 per cent. During 2023-
the other hand, the corporate agents’ share in
24, this channel contributed 54.94 per cent and
individual new business premium of public sector
93.34 per cent of the group new business premium
insurer marginally decreased from 3.08 per cent
of the private sector insurers and Public Sector
in 2022-23 to 2.96 per cent in 2023-24.
Insurer respectively. Another important distribution
II.2.13.2 The share of Insurers’ direct sales channel for Group business of the private insurers
channel was 9.91 per cent in 2023-24 against 7.81 was Corporate Agents-Banks. During the 2023-24,
per cent in 2022-23 under individual new business. banks contributed 22.94 per cent and 1.64 per cent
While private insurers procured 16.11 per cent of of the total group new business premium in case
their new business premium through direct selling, of the private insurers and Public Sector Insurer
no business was attributed to direct sales by public respectively as against 19.73 per cent and 3.97
sector life insurer in 2023-24. Brokers channel per cent for private insurers and Public Sector
contributed at 3.06 per cent in the 2023-24 declined Insurer respectively in 2022-23. During the 2023-
marginally from 3.07 per cent in the year 2022-23. 24, Public sector Insurer procured 4.91 per cent of
Online sales channel contributed at 0.65 per cent the group business premium through its individual
in the year 2023-24 declined marginally from 0.84 agency force while private insurers procured 2.17
per cent in the year 2022-23. Micro Insurance (MI) per cent through this channel. The contribution of
agents, Common Service Centres (CSCs), Web brokers channel increased to 2.11 per cent in 2023-
Aggregators, Insurance Marketing Firm (IMF) and 24 which was 1.67 per cent in 2022-23 in the
Point of Sales (POS) channels together contributed industry new business premium under group
less than 1 per cent (0.42 per cent) to the individual business (Table II.13).
new business premium in 2023-24, against 0.41
per cent in 2022-23 (Table II.13).
80 Annual Report 2023-24Table II.9: Contribution of Agents and Intermediaries in
Life Insurance New Business Premium (2023-24)
(Figures in percent of Premium)
Sl. Type of Individual New Business Group New Business
No. Intermediary Private Public Total Private Public Total
Sector Sector Sector Sector
1 Individual Agents 22.69 96.00 50.90 2.17 4.91 4.15
2 Corporate Agents- Banks 51.98 2.85 33.07 22.94 1.64 7.52
3 Corporate Agents- others 3.14 0.11 1.98 11.77 0.01 3.26
4 Brokers 4.85 0.21 3.06 7.38 0.10 2.11
5 Direct Business 16.11 0.00 9.91 54.94 93.34 82.74
6 MI agents 0.01 0.23 0.09 0.80 0.00 0.22
7 CSCs 0.01 0.29 0.12 0.00 0.00 0.00
8 Web Aggregators 0.02 0.00 0.01 0.00 0.00 0.00
9 IMF 0.17 0.16 0.16 0.00 0.00 0.00
10 Online 0.96 0.15 0.65 0.00 0.00 0.00
11 Point of Sales (PoS) 0.06 0.01 0.04 0.00 0.00 0.00
Total Business 100.00 100.00 100.00 100.00 100.00 100.00
Note: 1. New business premium includes first year premium and single premium.
“Life insurance business of Sahara India Life Insurance Company Ltd (SILIC) is transferred to SBI Life Insurance Company Ltd (SBI Life) by IRDAI
vide its Order dt. 2.6.2023 and the above data / information for the FY 2023-24 does not include data / information pertaining to SILIC”.
Annual Report 2023-24 81Performance of Insurance Agents and corporate agents is 9.4 per cent of premium. All other
Intermediaries associated with General Insurance channels together contributed to remaining 8.8 per
Business cent of premium. For public sector general insurers,
individual agents (32.3 per cent) followed by Broker
II.2.13.4 Amongst various channels of distribution
(32.1 per cent) and Direct (31.1 per cent) are the
of business for general insurers, broker channel
major channel of distribution while for private sector
contributed to major share in premium with 37.1 per
general insurers, brokers (42.4 per cent) and direct
cent followed by direct sale channel and individual
sale (23.6 per cent) are the major channel of
agents with 25.6 per cent and 20.1 per cent
distribution.
respectively in the year 2023-24. The contribution of
Table II.10: Contribution of Insurance Agents and Intermediaries in
General Insurance Business (2023-24)
(Figures in Percentage of Premium)
Public Private Sector Specialised Total
Distribution Channel
Sector -excl. SAHI Insurers
1. Individual Agents 32.3 14.4 0.0 20.1
2. a Corporate Agents-Bank 0.7 9.1 0.0 5.7
2. b Corporate Agents- Others 0.2 5.9 0.0 3.7
Corporate Agents (Total) 0.9 15.1 0.0 9.4
3. Brokers 32.1 42.4 3.8 37.1
4. a Direct Business- Internet 0.5 1.7 0.2 1.2
4. b Direct Business- Other than internet 30.6 21.8 9.4 24.4
Direct Business (Total) 31.1 23.6 9.6 25.6
5. Micro Insurance Agent 0.0 0.0 0.1 0.0
6. Others 3.6 4.5 86.5 7.8
Grand Total 100.0 100.0 100.0 100.0
82 Annual Report 2023-24II.2.13.5 Amongst various channels for distribution premium. The share of Brokers was high at 50
of health insurance policies, individual agents percent in group health insurance premium.
contributed a major share in total health insurance
Cent percent of Government business and about 27
premium at 30 percent. The share of this channel
percent of total health insurance premium is procured
was high at 72 percent in individual Health Insurance
by insurers directly. “Bancassurance” channel
premium. Second important channel for distribution
contributed nine percent of total health insurance
of health insurance business is Brokers, who
premium and “Online Sale” channel contributed two
contributed 29 percent of total health insurance
percent of total health insurance premium.
Table II.11: Contribution of Insurance Agents and Intermediaries in
Health Insurance (Excl. PA & Travel)
S. Government Group Individual Total
Distribution Channel
No. Business Business Business
1 Individual Agents - 3.58 72.32 29.73
2 Corporate Agents
i. Banks - 12.41 6.33 8.85
ii. Others - 5.59 1.09 3.31
3 Brokers - 49.64 9.46 29.30
4 Direct Sale
i. Online - 0.30 3.90 1.65
ii. Other than Online 100.00 28.37 5.82 26.67
5 Micro Insurance Agents - 0.09 0.00 0.05
6 Common Service Centres - 0.00 0.01 0.01
7 Web aggregators - 0.01 0.14 0.06
8 Insurance Marketing Firms - 0.02 0.22 0.09
9 Point of Sales - 0.00 0.71 0.28
Total 100.00 100 100 100
Note: Figures are in per cent.
Annual Report 2023-24 83Percentage of Premium
II.3 Professional Institutes Connected with II.3.1.2 The institute has conducted training programs
Insurance Education in topical issues in life insurance, general insurance
and reinsurance with national and international
II.3.1 Institute of Insurance and Risk Management
participants. The institute also conducted a study to
(IIRM)
identify the factors that are impeding insurance
penetration in the state of Chhattisgarh and another
II.3.1.1 IIRM, co-promoted by IRDAI, is mandated to
study on the role of bancassurance channel in the
provide skilled human resources for the insurance
development of insurance sector.
sector, that is undergoing metamorphic changes,
prompted by a slew of regulatory initiatives. During
II.3.1.3 Many organizations in the Insurance sector
2023-24, the institute continued to prioritize training,
are reaching out to the Institute for their customized
research and insurance awareness amongst
training programs and upskilling their talent pool.
insurance professionals and students. The industry-
Industry continues to recruit students from IIRM for
academia collaboration gained further momentum.
critical roles, reflecting in near 100 percent of
As a first step, IIRM reached out to the industry
placements of its PGDM students. Efforts to establish
players during Think Tank Programme of ‘Manthan’
a School of Excellence in Actuarial Sciences, were
and offered its bouquet of services to the industry,
also further reinvigorated during 2023-24, with active
towards achieving the ‘Insurance for All’ mission by
guidance from IIRM Board.
2047. Many organizations in the insurance sector are
reaching out to IIRM for their customized training II.3.1.4 During the year under review, the Institute
programs and upskilling their talent pool. Some of had conducted a four-month long induction program
these are; for entry level officials of IRDAI, in coordination with
a) Retreat Program for Officers of Department of Indian School of Business (ISB), Hyderabad as the
Economic Affairs, Govt. of India. Knowledge partner. The programme featured
orientation of the budding professionals through
b) Bancassurance training program.
classroom sessions, exposure to hands on industry
c) Microinsurance Accelerator program.
activity, self-study on projects, and outreach to top
d) Training program for Management Trainees.
84 Annual Report 2023-24industry experts, regulators, and insurance interviews with eminent industry personalities on
practitioners. YouTube viz. “Inse Miliye”, “Milestones” and “Bima
Vartalap” episodes. The Institute also invites articles/
II.3.2 Insurance Institute of India (III)
papers from academicians/practitioners and
publishes quarterly vide issues of “The Journal” which
II.3.2.1 The Insurance Institute of India (III) is
covers wide range of issues related to insurance and
functioning for the last 69 years in the field of
allied areas.
Insurance education, training and development. The
Institute is well recognized by the insurance sector
II.3.3 Indian Institute of Insurance Surveyors and
in India, SAARC Countries and many other insurance
Loss Assessors (IIISLA)
markets as a pioneer in insurance education and
training and has helped the industry in building and II.3.3.1 The Indian Institute of Insurance Surveyors
developing insurance academics and and Loss Assessors (IIISLA) is a professional body
professionalism. of surveyors and loss assessors as per Section 64UM
of Insurance Act, 1938. The institute was promoted
II.3.2.2 The Insurance Institute of India (III) is a
by IRDAI under Section 14(2)(f) of IRDA Act, 1999
member of the Institute of Global Insurance
and incorporated under Section 8 of the Companies
Education (IGIE) and has long standing association
Act, 2013. The institute is established to promote
with many other reputed global institutions and
quality in profession of Surveyors and Loss
associations. Besides, it has professional alliances
Assessors through education and training, facilitate
with insurance training institutes and examination
introduction of best practices amongst its members
bodies across the globe.
and to disseminate technical information amongst
its members to upgrade their skill and knowledge.
II.3.2.3 The flagship examinations conducted by the
Its objective is to promote research and studies in
Institute are Licentiate, Associate and Fellowship
loss control and minimization techniques and
certificate examinations. During the year 2023-24,
measure and share the same with Insurance Industry
the Institute Awarded Associate certificate to 2301
and general public and to update its members on
candidates and Fellowship was awarded to 1837
application of new technologies for improving service
candidates. During the year, the Institute has
to the users and consumers. Further, it is also
conducted various training programmes and pre-
responsible for bringing out guidance notes,
recruitment examinations for various intermediaries
instruction manuals, periodicals for the use and
channels. The Institute is authorized by Directorate
benefit of members and others connected with the
of Postal Life Insurance for conducting examination
profession of surveyors and loss assessors.
and training to their sales force.
II.3.4 Insurance Information Bureau (IIB)
II.3.2.4 During 2023-24, a total of 5720 participants
from India and abroad have attended various training II.3.4.1 IIB has emerged as the largest platform for
programmes conducted by the Institute’s College of real-time exchange of valuable data among insurers,
Insurance Training. Predictive Analytics, and Real-time support in Fraud
Mitigation. IIB strengthened its resources in
II.3.2.5 To spread the Insurance education amongst Technology and Leadership substantially to meet
the student community, III has formal tie-ups with 32 industry’s growing needs.
different colleges/universities. The Institute is
During 2023-24, IIB served the industry with the
connected with industry participants through short
following products:
Annual Report 2023-24 85Table II.12: Products of IIB
Segment Name of the Objective of Significant
Product the Product achievements
Life QUEST Real-time 14.4 crore records were stored and 5.4 crore queries
Insurance Underwriting & were submitted. The module helped to identify potential
Claims Search Tool frauds of 3.01 lakh number of cases involving sum
assured of `1.73 lakh crore in five years
PRISM Predictive life Risk The module helps to identify potentially “bad” lives.
Scoring Model A total of 4.23 crore number of queries been made in
the module during the last four years.
Prowess Persistency Model The module helps to zero-in on the Proposals/Policies
that are most vulnerable to dropping off prematurely.
API based querying enabled
Inkling For clearance of Provided alternate contact details for about 80,000
unclaimed amounts unclaimed cases on the four lakh queries made in
two years amounting `9,000 Crore
Motor Sudarshana Real-time search Available through API and search is based on either the
tool for the Registration or Chassis Number. Not merely a search
Underwriting, Claims tool, but goes beyond for Risk-based pricing, Identifying
& Fraud Mitigation Private Cars with Higher Risks and Data-based decision
making. A total of 7.5 crore number searches been made
in the module.
Udayan Real-time tool to Available via API and provides 25 vehicle related details
gather of Vehicle during underwriting and claim settlement process
details
Fire iPRAN Property Risk Enables underwriter to select a risk district with multiple
Analyser combinations to understand the FIRE insurance profile
for the last 5 yearsDivulges Underwriting and Claims
Profile of a Risk District and indicates the
business potentiality of insured risks.
iDARPAN Assess the Risk profile of a Corporate Customer in
terms of the FIRE insurance portfolio.
Health HI PORT Health Insurance Enables exchange of applicant’s policy, member and
ABILITY portability tool claims related information between port-in and port-out
insurersResulted in 5 lac hits
BIMA Real-time integrated Generates Early Warning System Triggers through
SATARK fraud analytics APIs to proactively flag suspicious entities
platform
ROHINI Registry of Hospitals Validated repository of hospitals & day-care centres.
in the Network of Useful for Health Insurers in controlling frauds
Insurance
86 Annual Report 2023-24II.4 Litigations, Appeals, and Court Securities Appellate Tribunal (SAT), Civil Courts,
Pronouncements Motor Accident Claims Tribunal (MACT), and Lok
Adalat (where IRDAI is a party), and also cases
II.4.1 The details of the litigations in terms of cases
disposed/dismissed during 2023-24 are provided in
filed before the Supreme Court, various High Courts,
tables below:
Table II.13: Details of cases filed during 2023-24
S. Particulars of Life Non- Health Interme Finance Policy Total
No. Cases filed Life diaries holders
Grievances
1. Supreme Court - - 2 - 2 - 4
2. Writ Petitions filed
in various High Courts 1 6 6 11 2 77 103
3. Securities Appellate Tribunal - - - - 1 - 1
4. Consumer Cases
(DCF+SCDRC+NCDRC) - - - - - 52 52
5. Civil , Lok Adalat & MACT cases - - - 1 10 11
6. NCLT/NCLAT - - - 2 3 5
Total 1 6 8 14 8 139 176
Table: II.14 Details of cases Disposed/Dismissed for the period 2023-24
S. Non- HR Health Policy Life Interme- Finance Total
No. Particulars Life holders diaries
Grievances
1. Supreme Court 5 - - - 1 - 1 7
2. Writ Petitions disposed
in various High Courts - 1 5 34 - 7 - 47
3. Securities Appellate Tribunal - - - - - 1 - 1
4. Consumer Cases
(DCF+SCDRC+NCDRC) - - - 18 - - - 18
5. Civil, Lok Adalat & MACT - - - 2 - - - 2
6. NCLT/NCLAT - - - - - 1 - 1
Total 5 1 5 54 1 9 1 76
II.5 INTERNATIONAL COOPERATION IN this context, and in furtherance of its regulatory
INSURANCE objectives, IRDAI engages with various international
organizations, forums and foreign regulators. IRDAI
IRDAI recognizes importance of exploring
continued to actively engage and contribute to
international best practices while introducing and
ongoing developments in the international arena in
implementing regulatory measures domestically. In
the financial year 2023-2024 as well.
Annual Report 2023-24 87II.5.1 Association with International Association translate into the formulation and adoption of global
of Insurance Supervisors (IAIS) insurance standards.
II.5.1.1 The IAIS is a voluntary membership II.5.1.3 IRDAI participates in peer review and self-
organisation of insurance supervisors and regulators assessment exercises that involve assessing the
from more than 200 jurisdictions, constituting 97 per implementation and observance level of Insurance
cent of the world’s insurance premiums. It is the Core Principles’ standards, and its effectiveness in
global standard-setting body responsible for a jurisdiction. The IAIS’s Peer Review Process (PRP)
developing and assisting in the implementation of supports members to identify the nature and extent
principles, standards and guidance as well as of any weaknesses or gaps in supervisory and
supporting material for the supervision of the regulatory frameworks through assessment of
insurance sector. IRDAI is a member of IAIS. observance of IAIS standards.
Chairman, IRDAI is also a member of the Executive
II.5.2 Bilateral Engagements
Committee of IAIS. The policy work of IAIS is
II.5.2.1 Effective May 2013, IRDAI is a signatory to
conducted through a committee system led by
the Multilateral Memorandum of Understanding
Executive Committee which in turn being supported
(MMOU) of International Association of Insurance
by five policy Committees. IRDAI has representation
Supervisors (IAIS) which provides an international
in various policy committees. These committees
platform for cooperation and sharing of information.
oversee standard setting activities in the area of policy
Further, the IRDAI (Sharing of Confidential
development, financial stability and implementation
Information Concerning Domestic or Foreign Entity)
and assessment of IAIS supervisory material etc.
Regulations, 2012 are in place which provides for
II.5.1.2 Under IAIS Committee System, each the manner in which confidential information can be
committee has established various working groups/ shared with other regulatory bodies.
task forces for carrying out their duties. At working
II.5.2.2 IRDAI had so far signed two bilateral MoUs.
group level, IRDAI has participation in Financial
One with Insurance Authority, United Arab Emirates
Inclusion, Corporate Governance, Market Conduct,
(UAE) and another with Federal Insurance Office
Macro Prudential Policy and Surveillance and
(FIO), United States of America (USA). The MoUs
Insurance Capital Standard Development. As part
provide a framework for cooperation and
of the IAIS’s standard setting activities, IRDAI
coordination, including for the exchange of
participates in the in the consultation process and its
information and training assistance.
nominated member representatives participate in
Committees/Working Group/ Task Forces meetings II.5.2.3 Under the IRDAI-FIO MoU, periodical
too. The deliberations and knowledge sharing information exchange interactions on issues like
88 Annual Report 2023-24Climate risk were held during 2023-24. An interactive FSI of the Bank for International Settlements (BIS)
session on Climate Risk is held with FIO and the IAIS. The meeting covered the following
representatives which was attended by senior IRDAI three key topics, each with a panel discussion framing
officers, key management personnel of Life, Non- the exchange of views:
Life and Reinsurers as well as Insurance Brokers
• Navigating the rapid tide of international
from Indian side.
regulatory developments and global financial
II.5.3 Asian Forum of Insurance Regulators developments;
(AFIR)
• Big techs in insurance; and
II.5.3.1 Asian Forum of Insurance Regulators (AFIR),
• ESG – grappling with multi-dimensional issues.
a forum of insurance supervisors from Asia and
Oceania regions, was established based on Beijing Chairman, IRDAI actively participated as a speaker
Declaration on Regional Insurance Regulation in the panel discussions.
Cooperation in 2005. The mission of the AFIR is to
II.5.4 Financial Stability Board (FSB)
strengthen capacity building, facilitate insurance
regulatory capability and promote regulatory II.5.4.1 Financial Stability Board (FSB) is an
cooperation in Asia and Oceania regions. AFIR international body established to address financial
currently has 22 members including IRDAI, India. The system vulnerabilities and to drive the development
18th Annual Meeting and Conference of the Asian and implementation of strong regulatory, supervisory
Forum of Insurance Regulators (“AFIR”) on theme and other policies in the interest of financial stability.
“Coping Effectively with Emerging Risks for Resilient One of the main mandates of FSB is to implement
and Robust Insurance Supervision” was held in Kuala G20 policy announcements on financial regulation.
Lumpur, Malaysia from 10 to 11 October 2023 with In FSB, India is represented by Ministry of Finance
the participation of delegates from 13 member (MoF), Reserve Bank of India (RBI) and Securities
jurisdictions. Speakers from various AFIR member Exchange Board of India (SEBI). IRDAI contributes
jurisdictions and other International Organisations to FSB’s work by way of providing its views and
have led the discussions on a number of comments on insurance sector related issues. IRDAI
contemporary issues such as Emerging technologies also provides responses to FSB surveys/
and innovations, flood risks in Asia, open insurance, questionnaires/reviews relevant to insurance.
climate and nature risks, and protection gaps.
II.5.5 Financial Sector Assessment Programme
II.5.3.2 This event was followed by 6th Asia-Pacific (FSAP)
High-level Meeting on Insurance Supervision on
II.5.5.1 The Financial Sector Assessment Program
October 9, 2023. The meeting was coorganised by
(FSAP), a joint programme of the International
the Asian Forum of Insurance Regulators (AFIR), the
Annual Report 2023-24 89Monetary Fund (IMF) and World Bank (WB), is a of India’s financial regulators viz. RBI, SEBI, IRDAI
comprehensive and in-depth assessment of a and PFRDA. IRDAI became a member of OECD
country’s financial sector. In developing economies INFE in April, 2012. During OECD INFE meetings,
and emerging markets, FSAP assessments are the participants share initiatives taken across the
conducted jointly by IMF and World Bank and in globe with regard to Financial Literacy and Financial
advanced economies by IMF alone. The FSAP Inclusion. IRDAI participated virtually in the OECD
includes two major components viz., financial stability Symposium on ‘Financial Literacy and
assessment (responsibility of the IMF) and financial Empowerment: Data, Policies and Evaluation’ held
development assessment (responsibility of the World in November, 2023.
Bank). FSAPs are mandatory for every five years for
II.5.6.2 IRDAI co-hosted the “Roundtable on
the twenty-nine systemically important jurisdictions.
Insurance and Retirement Savings in Asia” along with
India is one of these twenty-nine countries. The first
OECD and the Asian Development Bank Institute
FSAP for India was conducted in 2011-12 and the
(ADBI). The event was held on May 24-25, 2023.
second FSAP mission was in December, 2016.
The discussions at the Roundtable emphasized the
importance of innovation and technology, provided
II.5.5.2 The third FSAP mission was initiated by the
an overview of the rapid market growth and regulatory
joint IMF-WB team in December 2023 followed by
challenges and delved into the impact of climate
two more mission visits in March and June, 2024.
change on insurance and exploring industry
As part of the India 2024 FSAP, a Detailed
responses and regulatory frameworks to promote
Assessment Report on the Indian Insurance Sector’s
climate resilience. The event focused on enhancing
observance of the IAIS Insurance Core Principles
voluntary retirement savings, drawing from
issues is under process.
international experiences to increase coverage
II.5.6 OECD International Network on Financial through behavioural approaches. It highlighted the
Education (INFE) need for balancing flexibility and longevity protection
in structuring retirement income. The role of
II.5.6.1 The Organization for Economic Co-operation
technology in improving pension communication and
and Development (OECD) provides a unique policy
engagement was explored, showcasing innovative
forum for governments to exchange views and digital tools. Additionally, the use of regulatory
experiences on financial education as an important sandboxes and innovation hubs was discussed,
means to financial inclusion. Having recognized the emphasizing their importance in fostering innovation
importance of financial literacy, OECD International while managing risks. The roundtable concluded with
Network on Financial Education (INFE) was launched a summary of key insights, reinforcing the event’s
in 2008 by OECD governments. India participates goal of enhancing the resilience and inclusivity of
regularly in the INFE’s activities, represented by four insurance and retirement savings systems in Asia
90 Annual Report 2023-24through knowledge exchange and collaboration II.6 Grievances
among policymakers, regulators, and industry
II.6.1 IRDAI plays a crucial role in protecting
experts.
policyholder interests by overseeing insurers’
II.5.6.3 IRDAI Officials also participated in the
grievance redressal procedures by facilitating prompt
OECD– OJK Roundtable on leveraging technology
resolution of grievances in order to foster trust and
for risk assessment and risk reduction in insurance
confidence in the policyholders. To achieve this,
held on 14th-15th December, 2023 in Bali, Indonesia.
IRDAI has mandated Insurers to implement efficient
and accessible grievance redressal systems. This
II.5.7 Other Engagements
includes providing online complaint submission
II.5.7.1 During 2023-24, IRDAI continued contributing
options, establishing robust mechanisms for
towards an effective and useful engagement with the
registering grievances received through various
Government of India with regard to various
channels and publicizing details of the grievance
international treaties and dialogues in areas related
redressal mechanism on the websites of the insurer
to insurance sector.
and in all their offices.
II.5.7.2 IRDAI hosted a delegation from Tanzania
II.6.2 IRDAI mandated all the insurers to have in
including the Commissioner of Insurance, Tanzania
place, a Policyholders’ Protection, Grievance
and officials from Tanzania Insurance Regulatory
Redressal and Claims Monitoring Committee
Authority (TIRA) at IRDAI, Hyderabad on 5th March,
(PPGR&CM) which shall establish suitable systems
2023.
and processes towards protection of the interests of
II.5.7.3 IRDAI hosts delegations from insurance policyholders through efficient and effective grievance
regulators of other countries that express interest in redressal mechanism, monitoring of claims
study tours for an overview of the Indian insurance settlement processes and shall take measures
industry. During May 2023, IRDAI hosted delegates towards creation of insurance awareness and
from the Insurance and Pension Supervision Cell of empowering of policyholders. In addition, the Insurers
National Bank of Rwanda, for a study tour are mandated to have a designated officer to deal
encompassing areas like supervision technology, with grievances at every place of business and a
regulatory sandbox, insurance and pension coverage proper internal escalation matrix in case grievances
among others. are not addressed to the satisfaction of the
complainant.
II.5.7.4.IRDAI also participates in international
conferences, seminars and workshops in order to II.6.3 IRDAI has established multiple channels to
strengthen the exchanges and cooperation in facilitate complaint resolution for policyholders. The
insurance field. Bima Bharosa portal of IRDAI is integrated with the
Annual Report 2023-24 91Complaints Management System of the insurers. The II.6.4 The total number of grievances registered
Bima Bharosa portal offers an online platform for filing against life insurers have reduced from 1,24,293 in
and tracking of grievances. Additionally, the IRDAI 2022-23 to 1,20,726 in 2023-24 i.e., translating to a
Grievance Call Center (IGCC) provides a toll-free decrease of 2.87 per cent in 2023-24 compared to
telephone number and email address for registering previous year. Also, the total number of grievances
of grievances. This interconnected system allows registered under UFBP (Unfair Business Practices)
IRDAI to effectively monitor insurers’ grievance have reduced by 10.62 per cent from 26,107 in 2022-
disposal processes for ensuring efficient resolution 23 to 23,335 in 2023-24.
of policyholder grievances. Further, the Bima
The following table shows the analysis of grievances
Bharosa portal of IRDAI, contains web link for
in Indian insurance sector with a breakup of Life,
unclaimed amount. This provides an option to the
General and Health insurance sectors.
policyholder / beneficiary to search for an amount
lying unclaimed on his / her part.
Table II.15: Analysis of Grievances Registered during 2023-24
Particulars Life General & Health Total
Total Policies issued & Lives covered* 64,81,53,324 2,96,26,47,141 3,61,08,00,465
Grievances 1,20,726 94,843 2,15,569
% of Grievances to Total Policies & Lives 0.019 0.003 0.006
Grievances per lakh Policies & Lives 18.63 3.20 5.97
Note: * In respect of Life Insurance Policies and Lives in-force. In case of general policies issued and health persons covered.
Source: Bima Bharosa Portal
Table II.16: Grievances on Unfair Business Practices (UFBP)
Registered against Life Insurers
S.No. Particulars 2022-23 2023-24
1 Total no. of Grievances reported against Life insurers 1,24,293 1,20,726
2 Total no. of UFBP grievances reported 26,107 23,335
3 UFBP grievances resolved during the year 26,103 23,288
4 In favour of policyholder 9,946 9,461
5 Partially In favor of policyholder 1,302 1,216
6 Against policyholder 14,855 12,611
7 UFBP grievances pending at the end of the year 4 47
8 Share of UFBP grievances to total grievances 21.00% 19.33%
92 Annual Report 2023-24II.6.5 Mis-selling in the Indian insurance sector is a distribution channel-specific controls and developing
significant concern that involves the sale of insurance a plan to address mis-selling grievances including
products to consumers without proper disclosure of carrying out a root cause analysis on periodic basis.
terms, conditions or suitability. Insurers are
Status of Grievances on Bima Bharosa portal
encouraged to tackle the problem of mis-selling by
conducting a root cause analysis to identify the
II.6.6 During 2023-24, 2,15,569 grievances were
underlying causes. To prevent or reduce mis-selling,
received on Bima Bharosa portal out of which
insurers have been advised to implement strategies
1,20,726 were related to Life Insurance business and
such as assessing product suitability, implementing
94,843 were related to General Insurance business.
Table II.17: Status of Grievances as per Bima Bharosa portal
(Number of Grievances)
2022-23 2023-24
Sectors Reported Attended Pending at Reported Attended Pending at
during during the end during during the end
the year the year of the year the year the year of the year
Life Insurers
Public sector 81,303 81,303 0 81,021 81,021 0
Private sector 42,990 43,114 289 39,705 39,558 436
Total 1,24,293 1,24,417 289 1,20,726 1,20,579 436
General & Health Insurers
Public Sector 22,563 20,781 2,149 24,955 23,049 4,055
Private Sector 55,784 56,178 1,224 69,888 70,111 1,001
Total 78,347 76,959 3,373 94,843 93,160 5,056
Grand Total 2,02,640 2,01,373 3,662 2,15,569 2,13,739 5,492
Source: Bima Bharosa portal
II.6.7 Of the total grievances received against life practices. The classification of the complaints for life
insurance policies on Bima Bharosa portal for FY insurers is given as under:
2023-24, more than 62 per cent were related to
Of the total grievances received against general
Survival claims, Policy servicing and Unfair business
insurance during FY 2023-24, the majority of the
grievances were related to claims (68 per cent).
Annual Report 2023-24 93II.6.8 During the FY 2023-24, the number of life claims Status of Grievances in DARPG portal
related grievances were 30,459. The number of life
II.6.9 During the year 2023-24, 13,153 grievances
claims reported were 24.86 lakhs. The number of
registered in the Department of Administrative
general and health insurance claims related
Reforms and Public Grievances (DARPG) portal
grievances were 67,541 and the number of claims
were referred to IRDAI. A total of 13,084 grievances
were 11.49 crore. As such, the number of life
were disposed of during the year. A total of 289
insurance claims related grievances per thousand
grievances were pending as at 31st March, 2024.
claims reported was about 12 whereas the same in
case of general and health insurance was about 0.6.
94 Annual Report 2023-24Table II.18: Grievances Registered in DARPG Portal and Referred to IRDAI
Grievances Received Total Grievances Grievances
Grievance at the during Grievances disposed of at the
Source beginning 2023-24 received during end of
of 2023-24 2023-24 2023-24 2023-24
DPG 12 408 420 393 27
DARPG 0 152 152 150 2
Local/Internet 151 10,273 10,424 10,226 198
President Secretariat 8 100 108 105 3
Pension 0 9 9 9 0
PMO 49 2,211 2,260 2,201 59
Total 220 13,153 13,373 13,084 289
DPG- Directorate of Public Grievances; DARPG - Department of Administrative Reforms and Public Grievances; PMO- Prime
Minister’s Ofûce Source: CPGRAMS portal
The age-wise pendency status of grievances as at
31st March, 2024 is as below:
engaged in safety and loss prevention, research
Table: II.19 Pendency of Grievances bodies and employees’ association in the insurance
sector. The Chairperson and the members of the
Pending for Number of Grievances
Authority are the ex officio Chairperson and ex officio
0-15 days 216
members of the Insurance Advisory Committee. The
16 - 30 days 55
objects of the Insurance Advisory Committee are to
31 - 45 days 17
advise the Authority on matters relating to the making
46 – 60 days 0
of the regulations. The Insurance Advisory
> 60 days 0 Committee may advise the Authority on such other
Total 289 matters as may be prescribed.
II.7 Functioning of Advisory Committees Insurance Advisory Committee (IAC) Meetings:
During FY 2023-24, the IAC met on 4 occasions:
Insurance Advisory Committee
IRDAI Meeting Date
II.7.1 The Insurance Advisory Committee (IAC)
47th Meeting of the IAC 22nd September,2023
consists of not more than 25 members excluding ex-
48th Meeting of the IAC 13th December,2023
officio members to represent the interests of
commerce, industry, transport, agriculture, consumer 49th Meeting of the IAC 14th February,2024
fora, surveyors, agents, intermediaries, organisations 50th Meeting of the IAC 23rd February,2024
Annual Report 2023-24 95Reinsurance Advisory Committee II.8.3 The Offices of Insurance Ombudsman are
under the administrative control of Council for
II.7.2 The Reinsurance Advisory Committee
Insurance Ombudsmen (CIO), which has been
constituted vide Order No. IRDAI/REIN/NOT/RIN/
constituted under the Insurance Ombudsman Rules,
101/5/2022 dated 19th May, 2022 continued to be in
2017. CIO works in close co-ordination with Life
existence.
Insurance Council and General Insurance Council
at regular intervals.
II.8 Functioning of Ombudsman
In accordance with Rule 19 of the Insurance
II.8.1 The Office of Insurance Ombudsman is an
Ombudsman Rules, 2017, an Advisory Committee,
alternate Grievance Redressal platform which has
consisting of 5 eminent persons including one Central
been setup with an aim to resolve the grievances of
Government nominee, was reconstituted by the
aggrieved policyholders in a speedy, cost effective
Authority on 10th April, 2024 vide office order ref No
and impartial manner in respect of all personal lines
IRDAI/PP&GR/CMT/67/4/2024, to review the
of insurance, group insurance policies, policies issued
performance of the Insurance Ombudsman system
to sole proprietorship and micro enterprises by
from time to time and other matters related to
insurance companies, their agents and
enhance efficiency of all Insurance Ombudsmen. This
intermediaries. The Ombudsmen have the mandate/
Committee acts as a guiding body for CIO.
power to entertain grievances against all Insurers and
their intermediaries. At present,17 Insurance
II.8.4 Insurance Ombudsman Rules, 2017 have been
Ombudsman Centres are established at Ahmedabad,
amended on 9th November, 2023 to widen the scope
Bengaluru, Bhopal, Bhubaneswar, Chandigarh,
of Insurance Ombudsman. The main amendment
Chennai, Delhi, Guwahati, Hyderabad, Jaipur, Kochi,
includes the increase in amount of award for
Kolkata, Lucknow, Mumbai, Pune, Patna and Noida.
compensation from 30 lakhs to 50 lakhs and allowing
awards to be signed digitally by Insurance
II.8.2 The policyholder should first approach the
Ombudsman (IO) with reasons for passing such
concerned insurer for any grievance redressal.
award.
Where the grievance is not resolved in favour of the
policyholder or partially resolved in favour of the
II.9 Insurance Associations and Insurance
policyholder, the insurer shall inform the complainant
Councils
of the option to take up the matter before an
Insurance Ombudsman by giving details (name and Life Insurance Council
address) of the Insurance Ombudsman of their
II.9.1 Life Insurance Council (LI Council) is a statutory
jurisdiction. Complaints appealed to the insurance
body under section 64C of the Insurance Act, 1938
ombudsman are disposed of by way of an award
representing all life insurers operating in India.
within a period of three months from the date of
receipt of complaint and such award/decision is
Following are the details of activities carried out by
binding on the Insurance Companies and its
LI Council during the FY 2023-24.
Intermediaries, as the case may be.
96 Annual Report 2023-24i. Regulation Review Committee (RRC) and claims journey for PMJJBY (Pradhan Mantri
various sub-groups for streamlining various Jeevan Jyoti Bima Yojana) and PMSBY
Regulations, Guidelines, and Circulars (Pradhan Mantri Surakhsa Bima Yojana )
Insurance schemes.
During the year under review, Life Insurance
Council along with the General Insurance v. Other activities:
Council continues to work with RRC and various
The Council regularly interacts with tax heads
sub-groups in order to examine current
of life insurers to discuss issues related to direct
regulatory framework and suggest for changes
and indirect taxes.
in the same to IRDAI. RRC had submitted the
first part of its recommendations in FY 2022-23
The LI Council is actively involved in development of
and is in the process of finalizing the final part
Bima Sugam, an e-marketplace for insurance
of the recommendations dealing with
solutions envisioned by IRDAI.
Intermediaries (distribution channel).
GENERAL INSURANCE COUNCIL
ii. Change Agenda for the Insurance Industry
forward II.9.2 The General Insurance Council (GI Council) is
a representative body of all Insurers who carry on
LI Council along with the GI Council has started
General, Health Insurance Business and Re-
the process of consultation with various
insurance in India, is constituted under the provisions
stakeholders to suggest various change agenda
of Section 64 C of Insurance Act, 1938. As on 31st
for the development of insurance sector. The
March, 2024, 27 General insurance companies
focus areas are benchmarking & gap analysis,
(comprising of 4 PSU insurers, 21 private Insurers
Insurance Inclusion, Digital Agenda, and Legal,
and 2 specialized insurance companies), 5 Stand-
Regulatory and Capital framework.
alone Health Insurers, 1 PSU Reinsurer, 12 Foreign
Reinsurance Branches (FRBs) are members of the
iii. The Website of the Council: The Council’s
GI Council
website continues carrying statistical data, latest
news and other information. The number of hits
GI Council activities in the year 2023-24:
from different geographies – national and
international increased significantly after i. The GI Council constantly engaged with IRDAI
upgrading its design and interlinking it with on various matters including IRDAI’s initiative
websites of IRDAI and all life Insurers. of Insurance for All by 2047 and to facilitate ease
of doing business.
iv. Development of Jansuraksha website:
ii. On the Bima Trinity projects, the insurance e-
Life Insurance Council along with the General
marketplace “Bima Sugam” is being devised to
Insurance Council and Indian Banks Association
facilitate the Insurance companies, policyholders
introduced Jansuraksha website for seamless
Annual Report 2023-24 97and intermediaries transact with ease with various matters such as submission of claims
proper safeguards. related data on natural calamities like cyclones
and floods, development of surety bonds market
iii. The GI Council interacted with government
and development of Disaster Insurance product
agencies, Intermediaries and other associated
in coordination with NDMA.
bodies for enabling a single product, Bima
Vistaar, that will cater to life, general, health and viii. GI Council has initiated the Process of pan India
personal accident coverage for a single family Insurance Awareness and Education campaign
which will require specialized approach in which is expected to be launched soon.
marketing through the Bima Vahaks as a
ix. The GI Council in conjunction with LI Council
dedicated selling force.
and IBA is working on implementation of the
iv. The Regulatory Review Committee (RRC) with JanSuraksha platform as a single-point access
representation from both the Life council and for PMSBY and PMJJBY schemes covering
the GI councils reviewed extant regulatory enrollments, claims handling, DIY journeys, and
framework and provided necessary insights grievance redressal. This platform would also
towards its shift from rule-based to principle serve as a single-point for data analysis and
based regime. reporting to the DFS. In the first phase 12 public
sector banks with their associated general and
v. GI Council continued as the nodal agency to
life insurers, who cover about 80 per cent of all
handle Hit & Run claims as the manager of the
PMSBY and PMJJBY policies, have integrated
existing Hit and Run accident fund (erstwhile
with the platform and end to end testing is being
Solatium fund), administer the fund and pay the
performed.
claims that arise from such accidents all over
the country. II.10 Other Activities having a Bearing on the
Insurance Market
vi. The GI Council initiated process for increasing
cashless claim settlements under health policies, II.10.1 The IRDAI from time to time provides/makes
common empanelment of all hospitals under one necessary changes in the regulatory framework for
platform and negotiations with hospitals on introducing any new product in the market for life,
charging reasonable rates. general and health insurance segments.
vii. The GI Council is also in continuous Insurance company-wise total number of life, general
engagement with Department of Financial and health insurance products introduced during
Services (DFS), Ministry of Finance (MoF) on 2023-24 is provided in Annexure 7.
98 Annual Report 2023-24HIGHLIGHTSHIGHLIGHTSHIGHLIGHTSPART – III
STATUTORY AND DEVELOPMENTAL
FUNCTIONS OF AUTHORITY104 Annual Report 2023-24STATUTORY AND DEVELOPMENTAL FUNCTIONS OF AUTHORITY
III.1 Issue to the Applicant a Certificate of nomination of policyholders etc. Particularly regarding
Registration, Renew, Modify, Withdraw, Suspend catastrophic event, the general insurers have been
or Cancel such Registration advised to take immediate steps to mitigate the
hardships of the affected insured population by
As part of its developmental role, the IRDAI, has
ensuring expeditious settlement of claims in case of
streamlined entry norms to encourage the
major catastrophe events. The list of circulars issued
establishment of new insurance companies in India.
are as under:
To support new applicants during the review process
at various stages, a designated group of officers has • IRDAI/NL/CIR/GDL/122/06/2023 dated 5th June,
been appointed to provide guidance and assistance. 2023 provided guidelines on Insurance Claims
As a result of these efforts, in the year under review, of victims of Train accident tragedy in Balasore,
the IRDAI granted Certificate of Registration to three Odisha.
new insurance companies. One Life insurance
• IRDAI/NL/CIR/MISC/122/06/2023 dated 16th
company named ‘Go Digit Life Insurance Limited’ was
June, 2023 on Insurance claims relating to
granted Certificate of Registration. With the addition
Cyclone Biparjoy
of this Life insurer, the total number of life insurers
as at 31st March, 2024 stands at 26. Further, two
• IRDAI/NL/CIR/MISC/146/7/2023 dated 16th July,
new health insurers, namely Narayana Health
2023 on insurance claims relating to floods in
Insurance Ltd. was issued Certificate of Registration
Himachal Pradesh, Punjab, Haryana and Delhi
on 3rd January, 2024 and Galaxy Health and Allied
regions
Insurance Company Ltd. was issued Certificate of
Registration on 20th March 2024. With the addition • IRDAI/NL/CIR/MISC/183/10/2023 dated 18th
of two new health insurers, the total number of October, 2023 on insurance Claims relating to
registered standalone health insurers in the country floods in Sikkim
stood at 8.
• IRDAI/NL/CIR/MISC/215/12/2023 dated 9th
III.2 Protection of the Interests of Policyholders December, 2023 and IRDAI/NL/CIR/MISC/215/
in Matters Concerning Assigning of Policy, 12/2023 dated 18th December, 2023 on
Nomination by Policyholders, Insurable Interest, insurance claims relating to cyclone Michaung
Settlement of Insurance Claim, Surrender Value and subsequent heavy rains and floods.
of Policy, Other Terms and Conditions of
III.3 Specifying Requisite Qualifications, Code
Contracts of Insurance and Grievance Redressal
of Conduct and Practical Training for
IRDAI has issued various circulars from time to time Intermediaries or Insurance Intermediaries and
to address the matters concerning protection of Agents.
policyholders in terms of assignment of policy,
Annual Report 2023-24 105III.3.1 The regulations under the IRDA Act of 1999 membership by IIISLA, etc. Such complaints are
explicitly define the licensing registration and code forwarded to respective insurance companies and
of conduct requirements for all intermediaries in the IIISLA for resolution at their end. Policyholders also
insurance business. These regulations include the complain against surveyors /surveyors’ firms on non-
IRDAI (Insurance Surveyors and Loss Assessors) receipt of copy of survey report, delay in issuance of
Regulations, 2015, the IRDAI (Insurance Brokers) survey report, misconduct, violation of IRDAI
Regulations, 2018, the IRDAI (Appointment of Surveyors Regulations, etc. Such grievances are
Insurance Agents) Regulations, 2016, and the IRDAI taken up with surveyors for speedy disposal of the
(Registration of Corporate Agents) Regulations, issues. Apart from the above, various RTIs and
2015. references are also received by the IRDAI against
surveyors and corporate surveyor firms. During the
III.3.2 The Authority has established a regulatory
year 2023-24, the IRDAI received 57 complaints on
framework to enhance regulatory supervision by
portal CPGRAMS, 64 (including opening balance)
issuing circular No. IRDA/INT/CIT/T&E/136/07/2016.
have been addressed and there were no outstanding
This circular addresses the harmonization of training
complaints as on 31st March, 2024.
and examination requirements for various distribution
channels. III.5 Promoting Efficiency in the Conduct of
Insurance Business
III.4 Specifying the Code of Conduct for
Surveyors and Loss Assessors In its commitment to protect the interests of
policyholders, the IRDAI, issued various circulars
III.4.1 The duties and responsibilities of a surveyor
during the year. Notably, under the IRDAI Payment
and loss assessor are specified in Chapter IV of
of Commission Regulations, the insurance
IRDAI (Insurance Surveyors and Loss Assessors)
companies are expected to put in place board policy
Regulations, 2015 as amended from time to time.
on commission structures. The expected broader
contours of this board policy are detailed in the
III.4.2 The code of conduct regarding the professional
Guidance Note issued on 31 March 2023.
and ethical requirements for conduct of surveyors
and loss assessors’ professional work is specified in
Further, the IRDAI issued a detailed Master circular
Chapter VI of the Regulations and Regulation 16
on Registration of Indian insurance companies,
elaborates the code.
detailing the formats required for submitting
applications for a Certificate of Registration. Noting
III.4.3 The IRDAI receives grievances from surveyors
the new challenges faced by the insurance industry
regarding empanelment for survey jobs, non-
in the form of cyber security, the IRDAI issued
payment of survey fee by insurance companies,
guidelines on Information and Cyber Security
denial of membership by IIISLA to in-house surveyors
matters, for protecting the critical infrastructure of the
and lapsed license holders, denial of level of
regulated entities.
106 Annual Report 2023-24To streamline health claim settlements, General and IRDAI Act, 1999, and Regulation 8 of the IRDAI
Health Insurance companies have been asked to (Payment of Commission) Regulations, 2023,
adopt the Health Claim Exchange system. In line with mandates insurers to have a clear and transparent
its goal of promoting inclusive insurance, the IRDAI board policy on commission structures for insurance
has been pursuing BIMA Trinity, which includes BIMA intermediaries.
VAHAK, a woman-centric insurance distribution
1. Objectives and Principles: The policy should
channel. The BIMA Vahak guidelines, issued in
promote fair competition, align incentives with
October 2023, enable insurance companies to
customer needs, and encourage cost-effective
appoint Bima Vahaks to enhance insurance outreach.
distribution.
The IRDAI (Protection of Policyholders’ Interests,
2. Fairness: Commission structures must be
Operations and Allied Matters of Insurers)
reasonable, ensuring intermediaries are fairly
Regulations, 2024 is likely to result in improving the
compensated without excessive costs to
efficiency in conducting the insurance business. To
customers or insurers.
enhance policyholder convenience, insurers are now
required to collect bank account details during the
3. Good Distribution Practice: The policy should
proposal stage for electronic refunds and claims
encourage practices that enhance customer
payments in addition to policies issued electronically
satisfaction, market share, and regulatory
unless a physical copy is requested. The requirement
compliance.
for prior filing of advertisements with the Authority
has been eliminated. Insurers meeting certain criteria, 4. Regular Review: The commission structure
including specified solvency ratios and a satisfactory should be reviewed annually by the audit
track record, can open new places of business committee, assessing its effectiveness,
without prior approval. This also allows for the efficiency, and alignment with customer needs.
establishment of foreign branches and offices at the
5. Market Conduct: Governance mechanisms
International Financial Services Centres Authority
should ensure high ethical standards and
(IFSCA).
address potential conflicts of interest.
Detailed information regarding various circulars
6. Monitoring and Reporting: Regular reporting
issued during the year is provided below:
on the commission structure’s performance and
III.5.1 Guidance note - Board policy of the insurer compliance to the board and senior
on the commission structure - Circular IRDAI/INT/ management is required.
CIR/MISC/82/3/2023 dated 31st March, 2023
7. Applicability: New commission structures do
The circular, issued under the powers of Section 34 not apply to policies that are already issued.
of the Insurance Act, 1938, Section 14(2)(e) of the
Annual Report 2023-24 107Overall, the commission structure should promote sharing arrangements with other entities is to be
fair and transparent practices that protect documented in the said plan in case of a large incident
policyholders’ interests and encourage insurance to facilitate sector-wide response. The guidelines also
penetration. provide for establishing Business Continuity
Management and Disaster Recovery Framework.
III.5.2 Master Circular on Registration of Indian
Insurance Company, 2023 - IRDAI/F&I/CIR/RIC/90/ III.5.3.3 In order to effectively manage the cyber
4/2023 dated 24th April, 2023 crisis at IRDAI, a comprehensive Cyber Crisis
Management Plan clearly defining the roles and
The master circular was issued to specify various
responsibilities of various stakeholders including a
forms, provisions and clarifications under the IRDAI
Cyber Crisis Management Team coordinating the
(Registration of Indian Insurance Companies)
crisis response actions during the crisis has been
Regulations, 2022.
put in place.
III.5.3 IRDAI Information and Cyber Security
Further, as part of Information Security Policy/
Guidelines, 2023- IRDAI/GA&HR/GDL/MISC/88/04/
Procedures of IRDAI, Information security
2023 dated 24th April, 2023
requirements have been established to ensure
continuity of business operations in the event of
III.5.3.1 The Information and Cyber Security
disaster.
Guidelines, 2023 require insurers to create a Crisis
Management Committee during events such as
III.5.4 Instructions to stop the facility of
pandemic, war, emergencies and natural disasters
repayment of loans through Credit Cards-IRDAI/
etc. involving resources from all key functions of the
LIFE/CIR/MISC/99/5/2023 dated 3rd May, 2023
organization. The committee shall deliberate on the
revised processes, requisite technology and III.5.4.1 All insurers have been advised to
personnel to operate and execute decisions during discontinue accepting repayment of loans granted
such events. The Risk management function against policies through credit cards.
including the Information security function shall
III.5.5 Circular on Testing and adoption of Health
collate the risks in such situations and present the
Claims Exchange (HCX) Specifications and e-
same for the approval of the Crisis Management
claim standards circular- IRDAI/HLT/CIR/MISC/
Committee.
124/6/2023 dated 8th June 2023
III.5.3.2 The said Guidelines also provide for Cyber
IRDAI issued the circular IRDAI/HLT/CIR/MISC/124/
Crisis Management Plan (CCMP) to be prepared in
6/2023 introducing the National Health Claim
compliance to the Guidelines issued by Cert-In /
Exchange to ensure hassle free claims experience
National Critical Information Infrastructure Protection
for policyholders. The circular is discussed in detail
Centre (NCIIPC) in this regard. Further, information
in Box Item III.1.
108 Annual Report 2023-24III.5.6 Use and File Procedure for Life Insurance penetration and improving the accessibility of life
Products- IRDAI/ACTL/CIR/PRO/135/6/2023 dated insurance products.
19th June, 2023
The current Segregated Fund Identification Number
III.5.6.1 IRDAI introduced modifications to the (SFIN) clearance process by IRDAI is dispensed with
existing ‘use and file’ procedure for life insurance in the same circular. However, insurers shall ensure
products and also expanded the scope of ‘Use & File’ compliance with the all prudential and exposure
with inclusion of additional categories of life insurance norms as per Regulation 9 of IRDAI (Investment)
products to the procedure. The modifications facilitate Regulations, 2016 as amended from time to time at
the insurance industry in promoting penetration and each segregated fund, as well as Assets Under
improving the accessibility of life insurance products. Management of Unit Linked Insurance Plan (ULIP).
This is to facilitate the insurance industry in promoting
Annual Report 2023-24 109BOX III.1
National Health Claim Exchange (NHCX) – Towards seamless claims experience
Health insurance claims are being settled either as cashless settlement or through reimbursement. Currently,
communication and exchange of information/documents between Hospitals and Insurers are happening through
email, portals and other modes of communication. The lack of a common system for hospitals and insurers
to share information slows down claim approvals (pre-authorization, cashless, and reimbursement).
To address this issue, the joint working group of IRDAI, National Health Authority and Ministry of Health and
Family Welfare, Government of India, has recommended the development of a National Health Claim Exchange
under Ayushman Bharat Digital Health Mission (ABDM) programme. This exchange will enable standardized
and faster insurance claim processing resulting in a better policyholder experience and reduced operational
cost. The Health Claim Exchange Specification is a communication protocol that facilitates the exchange of
health claim information amongst insurers, Third Party Administrators (TPAs), Healthcare Providers (Hospitals)
and other relevant entities.
The features of the NCHX are as follows:
• It is designed based on open standards and open APIs for inter-operability
• It is secured and privacy-preserving by design
• It facilitates exchange of health claim information for all cashless and reimbursement claims
Most General insurance companies offering Health insurance business have integrated with NHCX, along
with TPAs registered with IRDAI. Insurers and TPAs have completed their testing in sandbox and were in
the process of moving into production.III.5.7 Surrogacy Act, 2021 and Assisted of matters related to Bima Vahaks in accordance with
Reproductive Technology (ART) Act, 2021 and the standards set jointly by the council. Lead Insurers
the relevant Rules thereunder: of each State/ Union Territory shall coordinate
deployment of resources to ensure maximum
IRDAI vide circular IRDAI/LIFE/CIR/PRO/138/6/2023
coverage of Gram Panchayats. Every insurer shall
dated 26th June, 2023 has directed all the Life insurers
put in place appropriate systems processes, internal
to comply with the Surrogacy Act, 2021 and ART
controls and infrastructure to enable seamless
Act, 2021 keeping in view Section 2 (1) (q) of
interface with all Bima Vahaks. As a part of Consumer
Surrogacy Act 2021 and Section 22 (4) (ii) of ART
Protection Measures Every insurer shall identify a
Act 2021 with immediate effect and ensure that
nearest local office to every Gram Panchayat and
suitable products are made available.
designate a Complaints Handling Officer in such
office.
III.5.8 Bima Vahak Guidelines- IRDAI/LIFE/CIR/
GDL/174/10/2023 dated 9th October, 2023
III.5.9 Mandating of coverage, payment of
premium under IMT-29 compulsory as an inbuilt
III.5.8.1 The Authority vide Ref: IRDAI/LIFE/CIR/
coverage in a private car policy -IRDAI/NL/CIR/
GDL/174/10/2023 issued IRDAI (Bima Vahak)
MOTOR/178/10/2023-24 dated 18th October, 2023
Guidelines, 2023 dated 9th October, 2023. These
guidelines shall come into force from the date of
III.5.9.1 The circular was issued in compliance with
launch of Bima Vistaar, a comprehensive Insurance
the direction of the Hon’ble Madras High Court, for
product which will be issued in due course.
mandating coverage of legal liability to employees
of the insured, travelling in and/or driving the
The objective of these guidelines is to create a
employer’s vehicle, as an inbuilt cover in a private
women-centric distribution channel to improve
car policy. Earlier, the same coverage was available
insurance inclusion and awareness in every village
as an optional cover under IMT 29 of the All India
and Gram Panchayat, thereby, improving
Motor Tariff, with additional premium.
accessibility and availability of insurance at the grass
root level. All insurers shall appoint Bima Vahaks and
The Hon’ble High Court has observed that in the
will be responsible for all the actions and the conduct
event of an accident, if the employers did not opt for
of Bima Vahaks engaged by them. Bima Vahaks use
the cover, employees travelling in and/or driving the
handheld electronic communication devices that are
employer’s vehicle were not compensated by the
directly integrated to the electronic platform of the
employers as per legal provisions. By mandating this
insurers. The Councils shall be jointly responsible
cover, the accident victim employees travelling in the
for establishing a common set of operational and
employer’s car will get timely compensation by way
conduct standards applicable to Bima Vahaks. Every
of insurance claim.
Insurer shall have a Board approved policy in respect
Annual Report 2023-24 111III.5.10 Amendment of Arbitration Clause in The advisory has been issued to insurance
General Insurance policies-IRDAI/NL/CIR/MISC/ companies to comply with the provisions of the
188/10/2023 dated 27th October, 2023 MoRTH notifications and make necessary
arrangements for smooth implementation of the
III.5.10.1 IRDAI undertook a comprehensive review
procedures laid down in the above notifications.
of the extant Arbitration Clause prevalent across
various lines of business in the General Insurance III.5.12 De-Notification of All Tariffs IRDAI/
Industry. After due consultation with various GenInsurance/Tariff/13/207/2024 dated 20th
stakeholders and keeping in view the higher costs
March, 2024
involved in an Arbitration process and availability of
alternative forums for dispute resolution for retail IRDAI as part of promoting seamless availability of
policy holders, IRDAI vide circular IRDAI/NL/CIR/ customized insurance products to all categories of
MISC/188/10/2023 dated 27th October, 2023 has market segments, de-notified tariffs on various lines
amended Arbitration Clause in General Insurance of general insurance products. The matter is
policies as under: discussed in detail under Box Item III.2.
a) All policies issued under the Retail Lines of III.6 Promoting and Regulating Professional
Business shall not have any Arbitration Clause. Organizations Connected with the Insurance and
Reinsurance Business
b) All policies issued under the Commercial Lines
of Business shall have an Arbitration Clause III.6.1 Indian Institute of Insurance Surveyors and
Loss Assessors (IIISLA)
III.5.11 Compliance with Ministry of Road
Transport and Highways (MoRTH) notifications The Indian Institute of Insurance Surveyors and Loss
in view of the Motor Vehicles (Amendment) Act,
Assessors (IIISLA) is a professional body of
2019- IRDAI/NL/CIR/MOTOR/2/1/2024 dated 8th
surveyors and loss assessors as per Section 64UM
January, 2024
of Insurance Act, 1938. The institute was promoted
by IRDAI under Section 14(2)(f) of IRDA Act, 1999
III.5.11.1 The Motor Vehicles (Amendment) Act, 2019
and incorporated under Section 8 of the Companies
had brought out changes enabling speedy payment
Act, 2013. Section 14(2)(f) of IRDA Act, 1999 deals
of compensation to motor accident victims. In view
with promoting and regulating professional
of these amendments, the Ministry of Road Transport
organisations connected with the insurance and
and Highways (MoRTH) has issued three
reinsurance business.
notifications with regard to creation and maintenance
of Motor Vehicle Accident fund, compensation to
Victims of Hit and Run motor accidents and
procedure for investigation of Motor Vehicle
Accidents.
112 Annual Report 2023-24III.6.2 Insurance Brokers Association of India registered with IRDAI are necessarily required to be
(IBAI) the members of the IBAI.
Insurance Brokers Association of India (IBAI) was The Association promotes interaction among the
incorporated as a company under IBAI Section 25 Insurance Broker members and provides them further
of the Companies Act, 1956 on July 2001. IBAI training in upgrading the knowledge and skills. IBAI
represents the professional body for Insurance supports industry education initiatives aimed at
Brokers licensed in India. The Insurance Brokers explaining insurance to consumers and the
community.
Annual Report 2023-24 113BOX III.2
De-notification of extant Tariffs pertaining to Fire, Motor and Engineering, Workmen’s Compensation
and other classes of insurance business
The de-notification of tariffs has been carried out in phases over years with an objective of providing more
flexibility to general insurance industry. The first round of de-notification was carried out by the Tariff Advisory
Committee, vide its Circular ref. TAC/7/06 dated 4th December 2006, de-notifying the tariffs applicable to
Fire, Engineering, Motor, Workmen’s Compensation Insurance effective from 1st January, 2007.
Thereafter, by virtue of the powers vested under Section 14(2)(i) of the IRDA Act, 1999, IRDAI has removed
the controls on pricing of risks in general insurance (except Motor third party risks) and further notified that the
general regulations, terms, conditions, clauses, warranties, policy and endorsement wordings applicable to
the classes of business incorporated in the erstwhile tariffs shall continue to be followed until further orders.
With the amendment of the Insurance Act, 1938 in 2015, ‘Transitional Provisions’ under Section 64 ULA were
introduced which stipulated that until de-notification in the Official Gazette by IRDAI, the rates, advantages,
terms and conditions notified by the Tariff Advisory Committee shall continue to be in force and would be
binding on all insurers.
Subsequently, the general regulations, terms, conditions, clauses, warranties, policy, add-ons, endorsement
wordings and proposal form were de-notified vide Notification Ref. No. F. No. IRDAI/Non-Life Insurance/5/
171/2020. The de-notification was applicable to the following risks of Fire and Allied Perils insurance business
governed by the erstwhile All India Fire Tariff, 2001.
(a) Dwellings: Any Sum Insured
(b) Offices, Hotels, Shops, Industrial/Manufacturing risks, Utilities located outside the compound of industrial/
manufacturing risks, Storage risks outside the compound of industrial/manufacturing risks and Tank
farms/Gas holders outside the compounds of industrial/manufacturing risks where the total value at risk
does not exceed Rs.50 Crores across all asset classes at any one location.
Under its reforms agenda, IRDAI has enabled the regulatory environment for innovation and speedy
delivery of insurance products to customers by completely moving towards Use & File procedure for
products approval. In order to simplify the process, encourage ease of doing business and reduce
compliance burden, the procedures governing the product design, rating, product management and
other related aspects of insurance products under the category of life, general and health insurance are
modified vide IRDAI (Insurance Products) Regulations, 2024.
In an ever-evolving economy, it is imperative for the general insurance industry to respond faster to the
emerging market needs, in terms of designing and pricing of general insurance products. To promote
efficiency in the conduct of general insurance business, in terms of Section 64 ULA (1) of the Insurance
Act, 1938, IRDAI de-notified the general regulations, terms, conditions, clauses, warranties, policy,
add-ons, endorsement wordings and proposal form, applicable to all the following prevailing Tariffs
effective from 1st April, 2024:a) Fire Insurance Tariffs (other than All India Fire Tariff, 2001 which was already de-tariffed vide notification
dated 28th December, 2020), namely
i. All India Fire Tariff
ii. Industrial All Risks Tariff
iii. Consequential Loss (Fire) Tariff
iv. Petro-chemical Tariff
v. List of Hazardous Goods
b) Motor, namely All India Motor Tariff
c) Engineering Insurance Tariffs, namely;
i. Contractors All Risk Insurance
ii. Contractors Plant and Machinery Insurance
iii. Machinery Breakdown Insurance
iv. Electronic Equipment Insurance
v. Civil Engineering Completed Risks Insurance
vi. Erection All Risk/Storage Cum Erection Insurance
vii. Loss of profit (MB & BLOP) Insurance
viii. Boiler and Pressure Vessels Insurance
ix. Deterioration of Stocks-(potato) Insurance
d) Miscellaneous, namely Workmen’s Compensation Insurance Tariffs.
e) Marine, namely Tea Tariff
The de-notification of insurance tariffs marks a significant milestone in the evolution of India’s insurance
sector and the shift towards a more liberalized insurance market. This move towards de-notification
aims to enhance market efficiency, promote innovation, and ultimately benefit both insurers and
consumers. Further it gives insurers the freedom to innovate and offer need-based products as well as
add-ons, based on market dynamics. The de-notification of tariffs and policy wordings paves way for
simplified and customer-centric insurance products and services as well as ease of operations for
insurers.
The insurance product offerings shall be subject to the IRDAI (Insurance Products) Regulations, 2024
and Master Circular (Guidelines) on products and procedures in general insurance business stipulated
by the IRDAI from time to time.III.7 Levying Fees and Other Charges for Carrying (b) On-site Inspection: IRDAI conducts on-site
Out the Purposes of the Act inspections of the regulated entities with regard
to their observance of/compliance to provisions
III.7.1 During the year 2023-24 there are no changes
of relevant Acts, Rules, Regulations,
in the fee structure. Total fee collected during FY
Guidelines/Circulars, Directions, Standards,
2023-24 is ` 221.7 crore in respect of all regulated
etc. General, thematic, and focused
entities. Detailed fee structure is provided at
inspections are undertaken at the site of the
Annexure 8.
regulated entities for assessment of their
functioning by examination of relevant records,
III.8 Calling information from, undertaking
inspection of, conducting enquiries and books of accounts and business activities on
investigations including audit of the insurers, sample basis in order to assess compliance to
intermediaries, insurance intermediaries and various regulatory provisions and other
other organizations connected with the insurance applicable laws relating to financial condition,
business: market conduct, corporate governance, risk
management, and related matters of the
III.8.1 Section 33 of the Insurance Act, 1938 and
regulated entities.
Section 14(2)(h) of the IRDA Act, 1999 lay down the
statutory provisions for calling of information from III.8.3 Details of On-site Inspections conducted:
and carrying out on-site inspection, including During the year 2023-24, a total of 18 onsite
investigation of insurers, intermediaries, insurance
inspections were undertaken by IRDAI. Out of which
intermediaries and other organizations connected
one general inspection of Insurance Intermediary
with the insurance business.
(Corporate Agent) and 17 focused inspections were
III.8.2 Supervisory oversight, at the minimum involves carried out. The details of focused inspections are
a two-pronged approach, viz., off-site examination given as below:
and on-site inspection.
Focused inspections by IRDAI
(a) Off-site Examination: The primary objective
of off-site examination is to monitor the financial
health and market conduct of regulated entities,
for identifying entities which show financial
deterioration and which would be a source for
supervisory concerns. This acts as a trigger
for timely remedial action. The off-site
examination is conducted by analyzing
periodical statements, returns, reports, policies
and compliance certificates mandated under
regulations/ directions issued by IRDAI from
time to time.
116 Annual Report 2023-24III.8.4 Moving towards RBS Framework: IRDAI has The Competent Authority then decides on the final
been actively working towards developing and regulatory actions, which may include:
implementing Risk Based Supervision (RBS)
• Issuing advisories/cautions,
framework for insurance sector in India. As part of
this move, IRDAI has conducted two pilot inspections
• Providing general directions other than under
during the financial year 2023-24 and proposing to
Section-34 of the Insurance Act,1938 as
conduct few more pilots during the financial year
amended
2024-25.
• Issuing directions under Sec 34 of the Insurance
III.8.5 The enforcement process involves a thorough
Act,1938 as amended and/or issuing warnings
analysis of the inspection reports and the responses
or Imposing penalties
from the inspected entities. This analysis considers
the supporting documentary as evidence and In cases where the violations are deemed serious,
submissions provided. potentially leading to the cancellation of registration
or license, a more rigorous due process is followed.
Based on review of the above, a proposed course of
regulatory action is determined. This course of action In addition to the supervision processes, the Act also
is then approved by the Competent Authority, who mandates an adjudication process for specified
decides whether to: violations of the Insurance Act, 1938. This
adjudication must be conducted by an officer of at
• Charge the inspected entity or
least the rank of General Manager, who considers
• Advise the inspected entity or key factors in determining and recommending the
appropriate quantum of penalty.
• Close the observation
All decisions made by the Authority can be appealed
If the inspected entity is charged with regulatory
at the Securities Appellate Tribunal under Section-
violations by issue of Show Cause Notice, they are
110 of the Insurance Act, 1938.
granted an opportunity for a personal hearing in
addition to providing further submissions to present
III.8.6 During 2023-24, IRDAI completed 83 onsite
their case.
and remote inspection reports and total number of
856 regulatory actions were taken on the said
inspection reports.
Annual Report 2023-24 117Table III.1: On-site and remote inspection reports concluded by
Enforcement and Compliance during 2023-24
S.No. Entity No. of Entities
1 Brokers 16
2 Corporate Agents 8
3 Foreign Reinsurance Branch 6
4 Insurance Marketing Firm 13
5 Surveyors and Loss Assessors 7
6 Third Party Administrator (TPA) 4
7 Life Insurers 6
8 Non-Life Insurers including Health 22
9 Reinsurer 1
Total 83
Table III.2: Details of Regulatory Actions taken on the Observations
S.No. Nature of Regulatory Action No. of Observations
1 Advisory 577
2 Direction 16
3 Caution 260
4 Warning 0
5 Penalty 3
Total 856
118 Annual Report 2023-24BOX III.3
Tech-enablement for Supervision and enforcement
The Regulatory Action Repository System (RARS) is a new Sup-tech initiative of IRDAI
proposed for enhancing the efficiency of supervision process. At the core, it is a
centralized digital platform that consolidates all regulatory actions taken by the Authority,
such as orders, penalties, warnings, directions, advisories, cautions, and closures.
This initiative aims to enhance accessibility to historical information on regulatory actions
taken against various entities and achieve consistency between the actions across
the categories of entities. While the non-discrimination is proposed to be achieved,
adequate consideration of the gravity of violation, circumstances and proportionality
can be exercised by the competent authority in determining regulatory actions.
Thus, as a centralized data repository, RARS proposes to streamline access to historical
actions and empowers the authority to swiftly and decisively address violations
committed by regulated entities.
The system shall provide Departments with timely insights and pertinent information,
enabling them to identify and prioritize regulatory focus areas within their respective
departments.
RARS proposes to offer robust search functionalities, allowing users to retrieve specific
regulatory actions based on various parameters, enhancing efficiency in accessing
relevant information and supporting informed decision-making processes across the
Authority.
Furthermore, RARS proposes to contribute to operational efficiency by automating
the generation of reports, eliminating manual processes, reducing administrative
burdens, and enhancing the overall responsiveness of the Authority in addressing
regulatory matters promptly and effectively.
RARS also proposes to facilitate a detailed analysis of violations, enabling the
identification of common violations, emerging trends and patterns, which helps pinpoint
regulatory gaps that require attention and ensures implementation of appropriate
measures.
The establishment of RARS represents a significant step forward in modernizing
regulatory operations, fostering transparency, and strengthening regulatory oversight
and fosters collaboration across various departments within the Authority.III.9 Control and Regulation of Rates, iv. Petro-chemical Tariff
Advantages, Terms and Conditions that may be
v. List of Hazardous Goods
Offered by Insurers in respect of General
Insurance Business not so Controlled and b. Motor, namely All India Motor Tariff
Regulated by the Tariff Advisory Committee
c. Engineering Insurance Tariffs, namely;
under Section 64U of the Insurance Act,1938 (4
of 1938) i. Contractors All Risk Insurance
ii. Contractors Plant and Machinery
III.9.1 All classes of tariffed General insurance
Insurance
business were de-tariffed with effect from 1st January,
iii. Machinery Breakdown Insurance
2007 except Motor Third Party business in so far as
pricing is concerned. Since the Motor Third Party iv. Electronic Equipment Insurance
insurance cover is statutory under the provisions of v. Civil Engineering Completed Risks
Motor Vehicles Act, 1988, the Motor Third Party Insurance
premium rates were earlier notified by IRDAI every
vi. Erection All Risk/Storage Cum Erection
year. Presently under the provisions of subsection
Insurance
(2) of Section 147 of the Motor Vehicles Act, 1988,
vii. Loss of profit (MB & BLOP) Insurance
as amended vide Section 51 of the Motor Vehicles
(Amendment) Act, 2019, the Ministry of Road viii. Boiler and Pressure Vessels Insurance
Transport and Highways (MoRTH) has been ix. Deterioration of Stocks-(potato)
mandated to prescribe base premium and liability of Insurance
an insurer in relation to third party premium in
consultation with IRDAI. d. Miscellaneous, namely Workmen’s
Compensation Insurance Tariffs.
III.9.2 Accordingly, the Ministry of Road Transport
and Highways, vide Gazette notification number e. Marine, namely Tea Tariff
G.S.R. 32 (E), dated 5th January, 2024 has notified
III.10 Specifying the Form and Manner in which
Motor Vehicles (Third Party Insurance Base Premium
Books of Accounts shall be Maintained and
and Liability) Rules, 2024. Further in exercise of the
Statements of Accounts shall be Rendered by
powers conferred by sub section (1) of Section 64
Insurers and Other Insurance Intermediaries
ULA of the Insurance Act, 1938, IRDAI has de-notified
all the following prevailing tariffs:
III.10.1 The financial statements of insurers are
a. Fire Insurance Tariffs (other than All India Fire prepared in the form and manner prescribed under
Tariff, 2001 which was already de-tariffed vide the IRDA (Preparation of Financial Statements and
notification dated 28th December, 2020), Auditors’ Report of Insurance Companies)
namely; Regulations, 2002, amended from time to time and
also by various circulars and guidelines issued from
i. All India Fire Tariff
time to time. Books of accounts are maintained in
ii. Industrial All Risks Tariff order to present various line items as required under
iii. Consequential Loss (Fire) Tariff these Regulations.
120 Annual Report 2023-24III.10.2 In case of intermediaries, books of accounts III.11.2 Monitoring of Investments in Alternative
and financial statements are required to be Investment Fund (AIF) vide circular no. IRDAI/F&I/
maintained in the form and manner stipulated under CIR/INV/139/06/2023 dated 28th June, 2023
the respective regulations/ circulars/ guidelines.
The Authority advised the insurers to declare NAV
III.10.3 Wherever the IRDAI has not stipulated the of AIFs on quarterly basis and the rollover of
form/and manner in which books of accounts are to investments in AIFs should be approved by the
be maintained, provisions of Companies Act/Rules Board/Investment Committee. Quarterly return for
and other applicable Acts/Rules apply. investments in AIFs need to be submitted within 15
days from the end of the quarter.
III.11 Regulating Investment of Funds by
Insurance Companies III.11.3 Relaxation for Investments in HDFC Ltd.
issued vide circular no. IRDAI/F&I/CIR/INV/155/
IRDAI (Actuarial, Finance and Investment Functions
8/2023 dated 4th August, 2023
of Insurers) Regulations, 2024 read along with Master
circular and guidelines amended from time to time In view of the merger of HDFC Ltd with HDFC Bank
regulate Insurer’s Investments. Ltd, the bonds/debentures held by the insurers in
the HDFC Ltd on the date of announcement of the
III.11.1 Investments in National Bank for
merger i.e. 4th April, 2022 under the category
Financing Infrastructure and Development vide
“Housing and Infrastructure” shall be treated as
circular no. IRDAI/F&I/CIR/INV/121/6/2023 dated
investments in the said category till the maturity of
5th June, 2023
the respective bonds of HDFC Ltd.
The National Bank for Financing Infrastructure and
III.12 Regulating Maintenance of Margin of
Development (NaBFID) is established under National
Solvency
Bank for Financing Infrastructure and Development
Act, 2021 to support the development of long term III.12.1 Every insurer and reinsurer shall at all times
non-recourse infrastructure financing in India maintain solvency margin higher than the control level
including the development of bonds and derivatives of solvency, which currently is 150 per cent of
markets necessary for infrastructure financing and Required Solvency Margin, i.e. to ensure that the
to carry on the business of financing infrastructure Available Solvency Margin is at least 150 per cent of
and for matters connected therewith or incidental Required Solvency Margin at all times. The Required
thereto. Solvency Margin shall not be less than fifty per cent
of the amount of minimum capital as stated under
As the NaBFID is established as Development
Section 6 of the Insurance Act, 1938 whereas the
Financial Institution to support the development of
Available Solvency Margin is the excess of value of
long-term infrastructure financing, the exposure limit
assets over the amount of liabilities. The IRDAI
for the insurers’ investments in this entity is aligned
(Actuarial, Finance and Investment Functions of
in line with the limits prescribed for Public Limited
Insurers) Regulations, 2024 describe in detail the
Infrastructure Investee Company.
method of computation of the Available and Required
Solvency Margin.
Annual Report 2023-24 121Every life insurer shall determine the Required III.13 Adjudication of Disputes between Insurers
Solvency Margin, the Available Solvency Margin and and Intermediaries or Insurance Intermediaries
the Solvency Ratio as per the provisions of IRDAI
III.13.1 According to Regulation 59(2) of the IRDAI
(Actuarial, Finance and Investment Functions of
(Insurance Brokers) Regulations, 2018, any disputes
Insurers) Regulations, 2024. The computation of
arising between an insurance broker and an insurer,
Required Solvency Margin is a two-factor based
or any other party, whether during the course of the
model, where the factors apply on the adjusted
broker’s engagement or otherwise, may be referred
Mathematical Reserves and Sum at Risk. The factors
to the Authority by the affected person. Upon
vary with different segments of life insurance
receiving such a complaint or representation, the
business.
Authority may examine it and, if deemed necessary,
III.12.2 In the case of general insurers, Re-insurers conduct an inquiry, inspection, or investigation in
and Branches of Foreign Re-insurers, the Required accordance with these regulations.
Solvency Margin shall be the higher of RSM-1 and
III.14 Specifying the Percentage of Life Insurance
RSM-2 computed as under for each Line of Business
Business and General Insurance Business to be
separately:
undertaken by the Insurers in the Rural and Social
• RSM-1 means the Required Solvency Margin Sector
based on net premiums, and shall be determined
III.14.1IRDAI (Obligations of Insurers to Rural and
as twenty per cent of the amount which is higher
Social Sectors) Regulations, 2015 was notified on
of the Gross Premiums multiplied by a Factor A
August 24, 2015 superseding the IRDA (Obligations
and the Net Premiums. For the purpose of
of Insurers to Rural and Social Sectors) Regulations,
calculation of RSM1, ‘Trailing 12 month’s
2002. The obligations stated in these regulations are
premium’ will be taken into account.
applicable since FY 2016-17. As per the regulatory
• RSM-2 means the Required Solvency Margin provisions, the insurers should undertake the rural
based on net incurred claims, and shall be and social sector obligations as prescribed therein,
determined as thirty per cent of the amount in every financial year. Further, the IRDAI
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, 2015 have been revised and
claims. For the purpose of calculation of RSM- consolidated as IRDAI (Rural, Social and Motor Third
2, Claims will be taken into account as maximum Party Obligations) Regulations, 2024 that will come
of ‘Trailing 12 months Claims’ and ‘Trailing 36 into effect from 1st April, 2024.
months Claims divided by 3’.
122 Annual Report 2023-24PART – IV
ORGANISATIONAL MATTERS124 Annual Report 2023-24ORGANISATIONAL MATTERS
IV. 1. ORGANIZATION Shri Rakesh Joshi, Whole-time Member (Finance &
Investments) and Smt. S. N. Rajeswari, Whole-time
IV.1.1 According to Section 4 of the IRDA Act 1999,
Member (Distribution), held the office up to 1st
the Authority is composed of a Chairperson, up to
December, 2023 and 3rd March, 2024 respectively.
five Whole-time members, and a maximum of four
part-time members. As on 31st March, 2024, IRDAI Shri Satyajit Tripathy, appointed as Whole-time
consists of a Chairperson, four Whole-time members, Member (Distribution) with effect from 24th May, 2024.
and two part-time members. Detailed information is
Shri Deepak Sood was appointed as the Whole-Time
provided below:
Member (Non-Life) with effect from 12th August,
Chairperson: 2024.
Shri Debasish Panda IAS (UP:87) (Retd.), former Part-time Members:
Secretary, Department of Financial Services was
Shri Suchindra Misra, Additional Secretary,
appointed as Chairperson of the Authority by the
Department of Financial Services, Ministry of
Government of India for a period of three years w.e.f
Finance, Government of India was appointed as Part-
14th March,2022.
time Member of the Authority with effect from 4th July,
Whole-time Members: 2022 and held the office up to 27th June, 2023.
Shri Thomas M. Devasia, who was appointed as Dr. Maruthi Prasad Tangirala, Additional Secretary,
Whole-time Member (Non-Life), with effect from 19th Department of Financial Services, Ministry of
September 2022, continued during the year 2023- Finance, Government of India was appointed as Part-
24. His term ended on 11th July, 2024. time Member of the Authority with effect from 28th
June, 2023.
Shri Parmod Kumar Arora, Whole-time Member
(Actuary) continued in the Authority during the FY CA Aniket Sunil Talati, President of the Institute of
2023-24. Vide Government of India notification dated Chartered Accountants of India, became Part-time
8th January 2024, the term of Shri Parmod Kumar Member of the Authority with effect from 12th
Arora, was extended by two years w.e.f from 4th February, 2023 and continued up to 11th February,
January 2024. 2024. Thereafter, CA Ranjeet Kumar Agarwal,
President of the Institute of Chartered Accountants
Shri B C Patnaik appointed as Whole-time Member
of India, became Part-time Member of the Authority
(Life) with effect from 1st May 2023.
with effect from 12th February, 2024.
Shri Rajay Kumar Sinha appointed as Whole-time
Member (Finance & Investment) with effect from 24th
January, 2024.
Annual Report 2023-24 125Table IV.1: Composition of the Authority as on March 31st, 2024
S.No. Chairperson- Appointed under Section 4(a) of the IRDA Act, 1999
1. Shri Debasish Panda
S.No. Whole time Members- Appointed under Section 4(b) of the IRDA Act, 1999
1. Shri P.K. Arora Member (Actuary)
2. Shri Thomas Devasia Member(Non-Life)
3. Shri B C Patnaik Member(Life)
4. Shri Rajay Kumar Sinha Member (Finance & Investment)
S.No. Part time Members- Appointed under Section 4(c) of the IRDA Act, 1999
1. Dr. Maruthi Prasad Tangirala Additional Secretary, Department of
Financial Services, Ministry of Finance
2. CA Ranjeet Kumar Agarwal President, Institute of Chartered
Accountants of India
IV.1.2 MEETINGS OF THE AUTHORITY
IV.1.2: During F.Y. 2023-24, the Authority met on four occasions as mentioned at Table IV. 2.
Table IV. 2 Details of Meetings of the Authority
Authority Meeting Date
122nd Meeting of the Authority 2nd June,2023
123rd Meeting of the Authority 18th August,2023
124th Meeting of the Authority 28th December, 2023
125th Meeting of the Authority 19th March,2024
Table IV.3: Details of Meetings held during 2023-24 and attended by each member of the Authority.
Name Number of Meetings Held Number of Meetings Attended
Chairman
Shri Debasish Panda 4 4
Whole Time Members
Shri P.K. Arora 4 4
Smt. S. N. Rajeswari 3 2
Shri Rakesh Joshi 2 2
Shri Thomas Devasia 4 4
Shri B C Patnaik 3 3
Shri Rajay Kumar Sinha 1 1
Part Time Members
Shri Suchindra Misra 1 1
Dr. Maruthi Prasad Tangirala 3 3
CA Aniket Sunil Talati 3 3
CA Ranjeet Kumar Agarwal 1 1
126 Annual Report 2023-24Note: relationship through measuring job satisfaction,
employee engagement and promoting workplace
1. Dr. Maruthi Prasad Tangirala was appointed
culture.
as Part-time Member of the Authority in the
place of Shri Suchindra Misra on 28th June, The vision is to develop, implement and support
2023. programs and processes that add value to the
Authority and its employees, leading to improved
2. CA Ranjeet Kumar Agarwal was appointed
employee welfare, empowerment, growth and
as Part-time Member of the Authority in the
retention.
place of CA Aniket Sunil Talati on 12th
February, 2024. During the year, recruitment exercise was carried
out at entry level i.e. Assistant Managers and as on
IV.2 HUMAN RESOURCES
31st March, 2024 41 newly recruited Assistant
IV.2.1 The Human Resource Management Managers have joined IRDAI.
function is one of the vital activities of General
Staff Strength
Administration and Human Resources
Department (GA&HR) of IRDAI. It plays the role IV.2.2 The Authority is an officer oriented
of an enabler and a facilitator to build and maintain organisation. The staff strength and the need for
an efficient and motivated workforce in the additional manpower are reviewed from time to time.
Authority to meet its diversified requirements. The The position of sanctioned and actual staff strength
main aim is to strengthen the employer-employee as on 31st March, 2024 is given in Table IV.4.
Table IV.4: Sanctioned and Actual Staff Strength in IRDAI
Class As on March 31, 2023 As on March 31, 2024
Sanctioned Actual Sanctioned Actual
I 336 201 374 229
Category-wise Staff Strength
IV.2.3 The category-wise distribution of the staff members is provided in Table IV.5.
Table IV.5: Category-wise Staff Strength in IRDAI
Category As on March 31, 2023 As on March 31, 2024
Class SC ST Others Total SC ST Others Total
I 24 8 169 201 28 10 191 229
(11.94) (3.98) (84.08) (100.00) (12.23) (4.37) (83.41) (100.00)
Note: Figures in brackets are percentage to total
Annual Report 2023-24 127Gender and Age Profile of Employees
IV.2.4 Out of 229 employees, 52 are female
constituting 22.71 percent. IRDAI is a young and
dynamic organization with average age of employees
about 41 years. The age-wise distribution of the staff
members in 2023-24 is given in Table IV.6.
Table IV.6: Age-wise Distribution of Staff in
IRDAI
Training and Development
Age Staff Percentage
(Years) Strength IV.2.6 Training and Development is critical for helping
< 30 38 16.59 employees to develop their personal and professional
skills, knowledge, and abilities. In order to enhance
31 - 40 66 28.82
and widen the knowledge base, employees have been
41 - 50 76 33.19
nominated for various training programs. Several
51 - 60 49 21.40 training initiatives were also undertaken during the
Total 229 100 year to enhance the knowledge, skills and
efficiencies of staff members.
Grade-wise Staff Strength
Domestic Training and Induction training:
IV.2.5 The grade-wise distribution of staff members
IV.2.7 Newly recruited Assistant Managers were
is provided in Table IV.7.
provided Induction training for a period of 4 months
Table IV.7: Grade-wise Staff Strength in IRDAI in collaboration with Insurance Institute of Risk
Management (IIRM) & Indian School of Business
Grades 2022-23 2023-24 (ISB), Hyderabad. These officers had classroom
training and were also assigned different projects /
Executive Director (ED) 4 3
research works to be submitted at the end of training
Chief General
period. Project reports submitted by the officers were
Manager (CGM) 10 10
highly appreciated.
General Manager (GM) 26 23
These officers also got an opportunity of onsite
Deputy General
training, wherein they visited Insurance Companies
Manager (DGM) 45 44
to get a sense of activities undertaken at different
Assistant General levels.
Manager (AGM) 29 27
Manager (MGR) 71 66
Assistant Manager (AM) 16 56
Total 201 229
128 Annual Report 2023-24Gyan Manch – A knowledge sharing platform Domestic Training
of IRDAI
Training Program by College of Supervisors
(CoS), RBI
IV.2.8 The new, revamped Study Forum is renamed
as “Gyan Manch”. The topics for presentation in the
IV.2.9 Officers from departments / Mission Mode
Gyan Manch relate to overall economy and financial
Teams were nominated to different training programs
sector, with bearing on insurance and technology.
during the year conducted by College of Supervisors,
These also include topical issues of national and
RBI.
international importance, global trends and
developments, innovations and emerging risks Toronto Centre, RBSF
impacting insurance.
IV.2.10 IRDAI has entered into an Agreement with
Toronto Centre (TC) for development and
Sessions on “Cyber / E-mail Security” and
implementation of Risk Based Supervisory
“Understanding Risk and Supervision” was organised
Framework
under Gyan Manch during the year.
S. Training Period No. of Participants Topics covered
No. (approx.)
1. One day in 40 • Drivers of External and Inherent Risks in RBS
June, 2023 • Translating Risk Assessment into a Prudent
Risk-Based Supervisory Strategy
• Leadership Module – Stakeholder Management
2. Two days in 20 • Supervisory planning
December, 2023 • Risk Management
• Governance Functions
• Interviewing skills in RBS
• Documentation to support assessment
• Supervisory strategy for intervention
(RBSF) for insurance sector in India. As part of the engagement with insurance regulator, young
engagement, TC has conducted following capacity professionals have been benefitted and as a result
building sessions during the year: - of which, 18 young professionals have left for
promising opportunities outside, whereas remaining
Other Activities
are aspiring for acquiring more regulatory knowledge.
As on 31st March, 2024, ten young professionals are
Induction of Young Professionals
working in different departments and gaining more
IV.2.11 Some of the Young Professionals recruited regulatory exposure.
during the year 2022-23, under young professional
Promotion Exercise
program, are continued. Based upon the performance
of the young professionals as well as requirements ,
IV.2.12 As per the provisions of IRDAI Staff (Officers
the tenure of the young professionals was extended
and Other Employees) Regulations, 2016, the
for a period of one year. As a result of their
Annual Report 2023-24 129promotion of employees at different grades was Internal Complaints Committee for Women
taken up in January 2024 and eligible employees in Employees
the order of merit were promoted to next grades.
IV.2.15 In terms of provisions of the Sexual
Observance of International Women’s Day Harassment of Women at Workplace (Prevention,
Prohibition and Redressal) Act, 2013, the Internal
IV.2.13 The International Women’s Day (IWD) 2024
Complaints Committee has been reconstituted vide
was celebrated on 8th March, 2024 by all the staff
office order ref: IRDAI/HR/ORD/PER/163/08/2023
with lot of enthusiasm praising women officers for
dated August 28th, 2023 with a view to redressing
their achievements in professional and other fields.
the complaints in this regard as also to ensure
compliance of various provisions laid down in the Act.
IRDAI Foundation Day
A workshop on the subject has also been conducted
IV.2.14 On the occasion of Foundation Day of IRDAI specially for the newly recruited officers during the
on 19th April, 2024 when IRDAI has entered into its year.
25th year, different programs were organised
Grievance Redressal Committee
throughout the week to celebrate the occasion by
reminiscing on the past and drawing up a future
IV.2.16 The Grievance Redressal Committee (GRC)
pathway to make the day memorable for one and all,
was re-constituted in accordance with Regulation 72
in a bid to further the vision of “Insurance for all” by
of IRDA (Condition of Service of Officers & Other
2047.
Employees) Regulations, 2000, vide office order ref:
IRDAI/GA&HR/ORD/PER/076/05/2024 dated 09th
From 15th April, 2024 to 18th April, 2024 presentations
May, 2024, to look into grievances, if any, of its
were made on different topics and eminent speakers
Officers and Employees. Regulation 78 of IRDAI Staff
from different fields were invited to share their views
(Officers and Other Employees) Regulations, 2016
on selected topics. Sports Competitions were
prescribes the provisions and process for Grievance
conducted among the employees during this week,
redressal and welfare of employees.
officers have participated enthusiastically and winners
were awarded with prizes on 19th April, 2024.
In pursuance of recommendation of National
Commission for Schedule Caste (NCSC), an Internal
On 19th April, 2024 celebrations were divided into two
Grievance Redressal Committee (IGC) for
sessions, knowledge sharing session and cultural
employees belonging to Schedule Castes community
activities. Few selected Officers were divided into
has already been constituted on 05th November,
groups and were allotted different topics to make a
2021.
presentation, under the guidance of the Whole-time
Members each group made a presentation attracting
IV.3 PROMOTION OF OFFICIAL LANGUAGE
appreciation of all.
IV.3.1 IRDAI continues to make its concerted efforts
Cultural evening was organised and all the officers
to promote the use of Hindi in office work. A separate
have participated, showcasing their talent in different
Official Language Implementation (OLI) Department
cultural activities.
is functioning to ensure effective compliance with
various provisions relating to the implementation of
130 Annual Report 2023-24the official language. During the financial year, special the special purpose of promoting the Hindi typing. All
efforts were made to ensure compliance of the employees were encouraged to use Hindi in their day-
Official Language Policy of the Union enshrined in to-day correspondence. Assistance was provided in
the Constitution of India including the Official preparing the agenda and minutes in Hindi in respect
Languages Act, 1963, the Official Language Rules, of meetings of the Authority and also in maintaining
1976, the annual programme given by the the registers in bilingual form. Use of Hindi in the
Government of India for the use of Hindi and the official notings and documents is encouraged. Hindi
orders issued by the Department of Official Language correspondence and notings in Hindi stood at 82.39
from time to time. The Annual Programme for use of per cent and 89.94 per cent respectively against the
Hindi for the year 2023-24 was published through an target of 55 per cent and 30 Per cent for the period
Office Order for its compliance. ended 31st March, 2024. In comparison to the last
year, average Hindi correspondence registered an
IV.3.2 All the documents to be laid down before the
increase of 5.16 per cent, Hindi noting has registered
Parliament were prepared in bilingual form. The
a growth of 6.66 per cent. Increase is registered by
letters/representations/appeals/RTI applications
the Head Office in average Hindi correspondence
received in Hindi were replied in Hindi ensuring
with all the regions. Originating correspondence has
compliance with Rule 5 of the Official Language
been made cent per cent bilingual by Mumbai
Rules, 1976. Implementation of Rule 11 under the
Regional Office and New Delhi Regional Office. For
above Rules was also ensured.
the purpose of increasing the Hindi correspondence,
21 standard formats of correspondence were
Progress Report
prepared in the financial year 2023-24.
IV.3.3 Data relating to the Quarterly Progress Report
IV.3.5 On 14th September, 2023 Insurance
was collected from all the departments in the format
Regulatory and Development Authority of India has
prescribed by the Department of Official Language,
received the third prize in Region ‘C’ for the period
Government of India. The report was submitted to
2022-23 for excellent performance in the official
the Department of Official Language, Ministry of
language for awarding of Rajbhasha Kirti Puraskar
Home Affairs as well as the Department of Financial
by Government of India in the category of board /
Services, Ministry of Finance within the stipulated
autonomous body / trust / society etc. IRDAI has
time. Besides the quarterly progress report, half
been awarded the First Prize by the Town Official
yearly progress report, annual progress report and
Language Implementation Committee (Banks) for
the evaluation report were also prepared and
implementation of the official language. Four officers
submitted to the aforesaid departments as well as to
have won prizes in different competitions organized
the Town Official Language Implementation
by the TOLIC.
Committee (TOLIC).
IV.3.6 IRDAI organized an official language technical
Achievements and Awards
seminar on 03rd January, 2024 for the member
IV.3.4 IRDAI successfully organized an online Hindi offices of TOLIC. In addition to this, a Hindi Quiz
typing competition during the Hindi Fortnight through Competition was also organized for the Rajbhasha
the online typing application created by IRDAI with Officers and employees of the member offices of
TOLIC. Besides, an online Hindi typing competition
Annual Report 2023-24 131was also held on 27th October, 2023 for officers and Training Institute, Department of Official Language,
employees of the member offices of the TOLIC. Government of India. During 2023-24, 26 employees
Executives of IRDAI participated in the 76th and 77th were given Pragya and Parangat Hindi knowledge
half-yearly meetings of the Town Official Language training. All the officials who have undergone training
Implementation Committee (Banks), Hyderabad. In were given honorarium. Provision has been made to
addition to this, IRDAI actively participated in all the pay honorarium for Parangat training in IRDAI. For
seminars / workshops / competitions organized by the promotion of use of Hindi, 12 employees have
TOLIC. On 26th December, 2023, OLI Department been trained through the ongoing desk training
of IRDAI delivered a guest lecture on the subject program.
“Official Language Policy and Implementation” at
Hindi Workshops and Meetings
Indian National Centre for Ocean Information
Services, Hyderabad. The Regional Offices of IRDAI
IV.3.9 Official Language Implementation Committee
at Mumbai and New Delhi ensured participation in
has been constituted under the chairmanship of the
both the half-yearly meetings and other activities of
Chairman with all the Heads of Departments as
the respective TOLICs.
members, and review meetings have been organized
in every quarter. Official Language Implementation
IV.3.7 Along with the Senior-most member of IRDAI,
Committees have also been constituted at New Delhi
a General Manager and Rajbhasha Officer have
and Mumbai Regional Offices. Hindi workshops were
participated in the Third All-India Official Language
conducted regularly to make the employees familiar
Conference held in Pune on 14th-15th September,
with the rules related to Hindi and Hindi typing with
2023. In addition to this, IRDAI participated in the
the help of Unicode and other easy to use methods
‘Combined Regional Rajbhasha Conference and
in order to make more extensive use of Hindi in their
Prize Distribution Function’ in respect of Western and
day-to-day work. During 2023-24, 148 employees of
Central Regions held in Mumbai on 23rd November,
Head Office at Hyderabad were trained through these
2023 by the Rajbhasha Department, Ministry of
workshops. Hindi workshops were also organized
Home Affairs, Government of India and the
at New Delhi Regional Office and Mumbai Regional
‘Combined Regional Rajbhasha Conference and
Office. During the Hindi workshops, material was
Prize Distribution Function’ in respect of the Southern
distributed in respect of Official Language Rules,
and South Western Northern Region held in
Annual Programme issued by Government of India
Bengaluru on 19th January, 2024. Besides, IRDAI
for Use of Hindi, as well as general Hindi notings.
also participated in the One-day All India Hindi
Seminar organized by Bank of Maharashtra, Head
Inspection of Official Language Implementation
Office in Delhi on the subject “Banking of the future”
on 15th March, 2024. IV.3.10 The Committee of Parliament on Official
Language successfully carried out the official
Hindi Training
language inspection of New Delhi Regional Office on
26th May, 2023. In addition to this, Rajbhasha
IV.3.8 The roster of employees was updated
Department of the Head Office undertook inspection
according to the knowledge of Hindi and training of
in respect of use of Official language at the Mumbai
the employees. This is particularly utilized for
Regional Office and the New Delhi Regional Office
nominating employees for the training programmes
in addition to all the departments at the Head Office.
of Pragya and Parangat conducted by the Hindi
132 Annual Report 2023-24Hindi Pakhwada Business Analyst Project (BAP)
IV.3.11 Hindi Pakhwada was celebrated during 14th IV.4.2 Business Analytics Project (BAP) is the
-19th September, 2023 at the Head Office and the application for offsite regulatory monitoring developed
Regional Offices of IRDAI. During this Pakhwada, a and managed by IRDAI through a Service Provider.
total of ten competitions were conducted for the Hindi The BAP 2.0 is helping IRDAI in achieving 3 C’s –
and non-Hindi speaking employees, in essay writing, Collect, Correlate, and Concluding the data. The data
story writing, translation, official language policy, and coming from insurers, and various intermediaries is
Hindi noting competition), memory, Hindi elocution, used for better monitoring and supervision. BAP helps
quiz, antakshari, meaningful words and online Hindi in connecting with the Industry and in automating
typing through special software. majority of the internal workflow at IRDAI thereby
bringing transparency in quick decision making.
In the Hindi Pakhwada organized at the Head Office
and the Regional Offices, the department winning the Human Resource Management System
most number of prizes and the department that (HRMS)
participated the most were also rewarded. In total 92
IV.4.3 To enhance functionality of HRMS application,
officers and two departments were awarded.
vendor is onboarded for
Other Information
• development and integration of Fiori as the
IV.3.12 In order to use the translation software tool front-end technology;
“Kanthasth” 2.0, based on the memory and to
• providing a sophisticated, device-agnostic user
strengthen the global translation database thereof,
interface for users to access application
“Kanthasth”2.0 was got registered by IRDAI. For the
through Desktops, Tablets and Mobile phones
purpose of promoting Hindi, 69 Hindi books written
etc.
by prominent authors were included in the library of
IRDAI during the current year and the budget for Hindi
Internal Applications
books is being increased every year continuously.
With an intention of increasing insurance awareness, IV.4.4 During the year, the following activities were
active co-operation was extended by the Rajbhasha carried out: Maintenance and support for Cross
Department in making material in Hindi and other Border Reinsurance, IMF, ISNP applications.
regional languages available in the concerned
subjects. More than 50 per cent of the total Information and Cyber Security for Insurers
expenditure for advertisements in IRDAI was incurred
IV.4.5 IRDAI has taken up following initiatives / steps
on the advertisements in Hindi and the regional
for information and cyber security for Insurers:
languages.
• A dedicated Cell has been formed with a view
IV. 4 INFORMATION TECHNOLOGY:
to enhance monitoring of Cyber Security
matters in Regulated Entitles (RE) as well as
IV.4.1 As an integral aspect of our enhanced
for better co-ordination with other Regulators
commitment to optimizing IT system efficiency and
and Authorities in matters involving REs.
effectiveness, IRDAI has taken following initiatives:
Annual Report 2023-24 133• strengthen IT security of Insurers through close vulnerabilities in IRDAI systems & processes and
follow-ups with Insurers for timely submission close them expeditiously.
of Annual Assurance Audit.
IV.4.8 IRDAI issued internal “Information Security
• regularly communicate with Insurers with Management System (ISMS) Policy” in June, 2023,
regard to the evolving challenges in cyber threat which contain Information Security policies and
landscape and better management of cyber procedures and Cyber Crises Management Plan, to
security threats. strengthen IRDAI IT security and procedures.
• Basis the recommendations of the Committee IV.4.9 Cyber Jagrookta Diwas (CJD) sessions and
constituted to review IRDAI’s Information and other simulation exercises are conducted regularly
Security guidelines dated 07th April, 2017, a new for improving awareness of employees on cyber
comprehensive IRDAI Information and Cyber hygiene and best practices.
Security Guidelines, 2023 are issued. All
insurance intermediaries have been brought IV.5 ACCOUNTS
under the ambit of these guidelines.
The Authority's accounts for the Financial Year 2023-
• IRDAI has constituted the “Standing 24 are under preparation. The audited accounts for
Committee on Cyber Security” to regularly the Financial Year 2022-23 were laid before the
review the threats inherent in the existing or Parliament in terms of Section 17 of the IRDA Act,
emerging technologies and suggest appropriate 1999.
changes to Cyber Security Framework to
further strengthen Cyber Security Posture and IV.6 ACKNOWLEDGEMENTS
resilience of Insurance Industry. The committee
IV.6.1 IRDAI would like to place on record its
has representatives from Financial Sector,
appreciation and sincere thanks to the Members of
academicians as well as Cert-In.
IRDAI, Members of the Insurance Advisory
• IRDAI is actively coordinating with NCIIPC Committee, the Reinsurance Advisory Committee,
(National Critical Information Infrastructure Department of Financial Services (Ministry of
Protection Centre) for identifying systems of Finance), Members of the Consultative Committee,
Insurers / Regulated Entities as Critical all insurers and intermediaries for their invaluable
Information Infrastructure (CII). guidance and co-operation; and the compact team
of officers and employees of IRDAI for efficient
Strengthening of IRDAI’s Internal Information
discharge of their duties. IRDAI also records its
and Cyber Security
special thanks to the members of the public, the
press, the professional bodies and international
IV.4.6 Two half-yearly VAPTs (Vulnerability
agencies connected with the insurance profession
Assessment and Penetration Testing) were
through their councils including the International
conducted for IRDAI’s public facing and internal
Association of Insurance Supervisors (IAIS) for their
applications, to identify and expeditiously close gaps
valuable contribution from time to time.
for strengthening IRDAI cyber security. The VAPTs
were followed up with Revalidation VAPTs.
IV. 4.7 An annual comprehensive cyber security audit
of IRDAI infrastructure was conducted to identify
134 Annual Report 2023-24STATEMENTS136
Annual
Report
2023-24Statement 1
INTERNATIONAL COMPARISON OF INSURANCE PENETRATION
(In per cent)
S.No. Country* 2022 2023
Life Non-Life Total Life Non-Life Total
America
1 USA 2.6 9.0 11.6 2.6 9.3 11.9
2 Canada 3.3 4.6 8.0 3.3 4.7 8.0
3 Brazil 2.1 1.9 4.0 2.1 1.8 3.9
4 Mexico 1.1 1.3 2.4 1.1 1.4 2.5
5 Argentina 0.2 1.8 2.0 0.2 1.3 1.5
Europe-Middle East-Africa
6 South Africa 9.1 2.2 11.3 9.2 2.3 11.5
7 UK 8.1 2.4 10.5 7.1 2.6 9.7
8 Sweden 7.5 1.8 9.3 5.7 1.7 7.4
9 France 5.5 3.3 8.7 5.5 3.2 8.7
10 Netherlands 1.2 7.3 8.5 1.2 7.2 8.3
11 Italy 5.8 2.2 8.0 4.9 2.2 7.1
12 Switzerland 3.0 4.0 6.9 2.9 4.0 6.9
13 Germany 2.4 3.5 5.9 2.1 3.4 5.5
14 Spain 2.0 2.8 4.9 2.5 2.8 5.3
15 Turkey 0.2 1.3 1.5 0.2 1.5 1.7
16 Saudi Arabia 0.1 1.2 1.3 0.1 1.6 1.7
17 Russia 0.3 0.6 0.9 0.4 0.7 1.1
Asia Pacific
18 Taiwan 8.2 3.1 11.4 7.1 3.2 10.3
19 South Korea# 5.4 5.8 11.1 5.0 6.0 11.0
20 Singapore 7.4 1.8 9.2 7.4 1.8 9.2
21 Japan# 5.9 2.3 8.2 6.8 2.1 8.9
22 Thailand 3.4 1.9 5.3 3.4 1.9 5.3
23 Malaysia# 3.7 1.3 5.0 3.7 1.4 5.2
24 Australia 0.9 3.3 4.2 0.9 3.3 4.2
25 India# 3.0 1.0 4.0 2.8 1.0 3.7
26 China 2.0 1.9 3.9 2.1 1.8 3.9
27 New Zealand 0.8 3.0 3.8 0.4 3.2 3.6
28 Indonesia 0.9 0.5 1.4 0.8 0.6 1.3
29 Pakistan 0.6 0.3 0.8 0.5 0.3 0.7
World 2.8 4.0 6.8 2.9 4.2 7.0
* Data pertains to the calendar year 2022 & 2023
# Data pertains to financial year 2022-23 & 2023-24
Note: Insurance Penetration is measured as ratio of premium (in US Dollars) to GDP (in US Dollars).
Source: Swiss Re Institute Sigma No 3/2023 and 3/2024
Annual Report 2023-24 137Statement 2
INTERNATIONAL COMPARISON OF INSURANCE DENSITY
(In USD)
S.No. Country* 2022 2023
Life Non-Life Total Life Non-Life Total
America
1 USA 2,017 6,868 8,885 2,136 7,504 9,640
2 Canada 1,840 2,552 4,392 1,759 2,507 4,267
3 Brazil 184 168 352 207 183 390
4 Argentina 29 252 281 35 190 225
5 Mexico 118 146 265 154 197 351
Europe-Middle East-Africa
6 Switzerland 2,730 3,634 6,364 2,832 3,998 6,830
7 Sweden 4,203 976 5,180 3,202 983 4,185
8 UK 3,669 1,111 4,781 3,466 1,294 4,759
9 Netherlands 657 4,074 4,731 724 4,492 5,216
10 France 2,239 1,339 3,578 2,431 1,435 3,867
11 Germany 1,182 1,699 2,881 1,106 1,804 2,910
12 Italy 1,966 750 2,716 1,878 830 2,708
13 Spain 601 832 1,433 835 909 1,744
14 South Africa 614 149 764 577 141 718
15 Saudi Arabia 14 393 407 19 454 472
16 Turkey 21 133 154 27 197 224
17 Russia 47 87 134 57 98 155
Asia Pacific
18 Singapore 6,074 1,489 7,563 6,264 1,536 7,799
19 Taiwan 2,656 1,006 3,662 2,285 1,022 3,307
20 South Korea# 1,705 1,836 3,541 1,635 1,968 3,603
21 Australia 609 2,149 2,758 584 2,174 2,759
22 Japan# 1,942 748 2,690 2,245 693 2,938
23 New Zealand 373 1,395 1,768 205 1,533 1,738
24 Malaysia# 432 159 592 425 165 590
25 China 255 234 489 274 234 508
26 Thailand 235 134 369 244 140 384
27 India# 70 22 92 70 25 95
28 Indonesia 43 26 68 38 28 66
29 Pakistan 8 4 12 7 4 11
World 354 499 853 361 528 889
* Data pertains to the calendar year 2022 & 2023
# Data pertains to financial year 2022-23 & 2023-24
Note: Insurance Density is measured as ratio of premium (in US Dollars) to Population
Source: Swiss Re Institute sigma No 3/2023 and 3/2024
138 Annual Report 2023-24Statement 3
PREMIUM UNDERWRITTEN BY LIFE INSURERS
(WITHIN INDIA)
(` in Crore)
S.No. Insurer 2022-23 2023-24
1 Acko Life Insurance Ltd.* - 36.52
2 Aditya Birla Sun Life Insurance Co. Ltd. 15,069.69 17,260.12
3 Ageas Federal Life Insurance Co. Ltd. 2,289.00 2,697.37
4 Aviva Life Insurance Co. Ltd. 1,317.45 1,346.86
5 Bajaj Allianz Life Insurance Co. Ltd. 19,461.43 23,043.04
6 Bandhan Life Insurance Co. Ltd. (Formerly known as Aegon Life) 369.95 430.91
7 Bharti AXA Life Insurance Co. Ltd. 2,920.58 2,908.30
8 Canara HSBC Life Insurance Co. Ltd. 7,197.38 7,128.70
9 Credit Access Life Insurance Ltd.* - 97.00
10 Edelweiss Tokio Life Insurance Co. Ltd. 1,690.47 1,932.09
11 Future Generali Life Insurance Co. Ltd. 1,758.01 1,810.54
12 Go Digit Life Insurance Ltd.* - 426.36
13 HDFC Life Insurance Co. Ltd. 57,533.42 63,076.48
14 ICICI Prudential Life Insurance Co. Ltd. 39,932.78 43,235.64
15 IndiaFirst Life Insurance Co. Ltd. 6,074.53 6,973.83
16 Kotak Mahindra Insurance Co. Ltd. 15,320.46 17,708.38
17 Max Life Insurance Co. Ltd. 25,341.91 29,528.97
18 PNB Metlife Life India Insurance Co. Ltd. 8,785.21 9,732.28
19 Pramerica Life Insurance Co. Ltd. 1,495.39 1,919.38
20 Reliance Nippon Life Insurance Co. Ltd. 5,122.10 5,536.90
21 Sahara India Life Insurance Co. Ltd.$ 44.19 $
22 SBI Life Insurance Co. Ltd. 67,315.60 81,430.64
23 Shriram Life Insurance Co. Ltd. 2,546.40 3,507.54
24 Star Union Dai-ichi Life Insurance Co. Ltd. 5,746.37 6,717.87
25 Tata AIA Life Insurance Co. Ltd. 20,503.50 25,691.82
Private Total 3,07,835.83 3,54,177.54
(16.34) (15.05)
26 Life Insurance Corporation of India 4,74,668.14 4,75,751.92
(10.90) (0.23)
Industry Total 7,82,503.97 8,29,929.46
(12.98) (6.06)
Note: Figures in the brackets represent the growth over the previous year in per cent.
*Acko Life Insurance Ltd. and Credit Access Life Insurance Ltd. have received Certificate of Registration on 31.03.2023
and Go Digit Life Insurance Ltd. has received Certificate of Registration on 09.06.2023.
$ Life insurance business of Sahara India Life Insurance Company Ltd (SILIC) is transferred to SBI Life Insurance Com-
pany Ltd. (SBI Life) by IRDAI vide its Order dt. 02.06.2023 and the above data /information for the FY 2023-24 does not
include data /information pertaining to SILIC.
Annual Report 2023-24 139140
Annual
Report
2023-24
Statement 4
LINKED AND NON-LINKED PREMIUM OF LIFE INSURERS FOR 2023-24
(` Crore)
S.No. Insurer Linked Premium Non-Linked Premium Total Premium
First Year Single New Renewal Total First Year Single New Renewal Total First Year Single New Renewal Total
Business Premium Business Premium Business Premium
(First Year (First Year (First Year
+ Single) + Single) + Single)
1. Acko Life Insurance Ltd.* - - - - - 0.37 36.14 36.52 0.00 36.52 0.37 36.14 36.52 - 36.52
2. Aditya Birla Sun Life Ins. Co. Ltd. 760.07 1,570.76 2,330.83 1,879.99 4,210.82 2,517.68 3,251.17 5,768.85 7,280.45 13,049.30 3,277.75 4,821.93 8,099.68 9,160.44 17,260.12
3. Ageas Federal Life Ins. Co. Ltd. 195.82 299.88 495.69 327.96 823.66 378.67 326.21 704.88 1,168.84 1,873.71 574.48 626.09 1,200.57 1,496.80 2,697.37
4. Aviva Life Insurance Co. India Ltd. 169.65 9.29 178.94 247.17 426.11 147.44 31.48 178.91 741.84 920.75 317.09 40.76 357.85 989.01 1,346.86
5. Bajaj Allianz Life Ins. Co. Ltd. 2,438.89 524.89 2,963.78 4,075.43 7,039.21 3,829.30 4,700.76 8,530.07 7,473.77 16,003.84 6,268.20 5,225.65 11,493.85 11,549.20 23,043.04
6. Bandhan Life Insurance Co. Ltd.
(Formerly known as Aegon Life) 0.10 0.25 0.35 55.62 55.98 13.26 104.02 117.28 257.66 374.94 13.36 104.27 117.63 313.28 430.91
7. Bharti AXA Life Ins. Co. Ltd. 98.28 16.11 114.39 188.85 303.24 524.77 141.57 666.34 1,938.72 2,605.06 623.05 157.68 780.73 2,127.57 2,908.30
8. Canara HSBC Life Ins. Co. Ltd. 652.16 15.60 667.77 1,515.30 2,183.07 1,041.71 1,191.60 2,233.31 2,712.32 4,945.63 1,693.87 1,207.21 2,901.08 4,227.62 7,128.70
9. Credit Access Life Insurance Ltd.* 0.00 0.00 0.00 0.00 0.00 0.00 97.00 97.00 0.00 97.00 0.00 97.00 97.00 0.00 97.00
10. Edelweiss Tokio Life Ins. Co. Ltd. 92.24 42.16 134.40 235.67 370.07 418.77 25.21 443.98 1,118.04 1,562.02 511.00 67.38 578.38 1,353.71 1,932.09
11. Future Generali India Life Ins. Co. Ltd. 61.59 3.46 65.05 64.24 129.29 533.41 10.72 544.13 1,137.11 1,681.25 595.00 14.18 609.18 1,201.35 1,810.54
12. Go Digit Life Insurance Ltd.* 0.00 0.00 0.00 0.00 0.00 6.04 420.32 426.36 0.00 426.36 6.04 420.32 426.36 0.00 426.36
13. HDFC Life Insurance Co. Ltd. 3,844.58 2,369.59 6,214.17 8,518.79 14,732.96 7,266.24 16,150.95 23,417.19 24,926.33 48,343.52 11,110.82 18,520.54 29,631.36 33,445.12 63,076.48
14. ICICI Prudential Life Ins. Co. Ltd. 3,528.64 2,081.29 5,609.93 13,980.91 19,590.84 3,502.90 9,566.00 13,068.90 10,575.91 23,644.81 7,031.54 11,647.28 18,678.82 24,556.82 43,235.64
15. IndiaFirst Life Insurance Co. Ltd. 294.13 87.83 381.96 1,152.29 1,534.25 1,033.20 1,559.86 2,593.05 2,846.52 5,439.58 1,327.33 1,647.69 2,975.01 3,998.81 6,973.83
16. Kotak Mahindra Life Ins. Co. Ltd. 1,821.47 1,083.33 2,904.80 1,433.47 4,338.26 2,540.45 3,211.60 5,752.05 7,618.07 13,370.12 4,361.92 4,294.93 8,656.85 9,051.53 17,708.38
17. Max Life Insurance Co. Ltd. 2,469.06 69.14 2,538.20 4,646.47 7,184.67 4,420.34 4,064.56 8,484.91 13,859.40 22,344.30 6,889.40 4,133.71 11,023.10 18,505.87 29,528.97
18. PNB MetLife India Ins. Co. Ltd. 764.13 124.16 888.29 1,137.18 2,025.48 1,649.05 872.66 2,521.71 5,185.09 7,706.80 2,413.18 996.82 3,410.00 6,322.28 9,732.28
19. Pramerica Life Insurance Co. Ltd. 19.19 1.47 20.66 24.13 44.80 169.30 915.85 1,085.15 789.43 1,874.58 188.49 917.32 1,105.81 813.57 1,919.38
20. Reliance Nippon Life Ins. Co. Ltd 262.88 9.83 272.71 770.45 1,043.16 918.31 39.37 957.68 3,536.06 4,493.74 1,181.19 49.19 1,230.38 4,306.51 5,536.90
21. Sahara India Life Ins. Co. Ltd. $ - - - - - - - - -
22. SBI Life Insurance Co. Ltd. 11,557.74 2,303.72 13,861.46 26,765.53 40,626.99 5,918.01 18,458.85 24,376.85 16,426.79 40,803.65 17,475.74 20,762.57 38,238.31 43,192.33 81,430.64
23. Shriram Life Insurance Co. Ltd. 47.96 19.31 67.27 30.27 97.54 1,166.14 637.16 1,803.30 1,606.70 3,410.00 1,214.10 656.47 1,870.57 1,636.97 3,507.54
24. Star Union Dai-ichi Life Ins. Co. Ltd. 395.72 61.09 456.81 423.02 879.83 1,288.59 1,571.21 2,859.81 2,978.23 5,838.04 1,684.32 1,632.30 3,316.62 3,401.25 6,717.87
25. Tata AIA Life Insurance Co. Ltd. 3,291.03 187.95 3,478.98 3,811.10 7,290.08 4,420.58 998.81 5,419.39 12,982.35 18,401.75 7,711.61 1,186.76 8,898.37 16,793.45 25,691.82
Private Total 32,765.33 10,881.10 43,646.44 71,283.86 1,14,930.29 43,704.54 68,383.08 1,12,087.62 1,27,159.63 2,39,247.25 76,469.87 79,264.18 1,55,734.05 1,98,443.49 3,54,177.54
26. Life Insurance Corporation of India 747.97 3,699.42 4,447.39 2,092.13 6,539.52 38,289.98 1,79,934.03 2,18,224.01 2,50,988.39 4,69,212.40 39,037.95 1,83,633.45 2,22,671.40 2,53,080.52 4,75,751.92
Industry Total 33,513.30 14,580.53 48,093.83 73,375.99 1,21,469.81 81,994.52 2,48,317.10 3,30,311.63 3,78,148.02 7,08,459.65 1,15,507.82 2,62,897.63 3,78,405.45 4,51,524.01 8,29,929.46
*Acko Life Insurance Ltd. and Credit Access Life Insurance Ltd. have received Certificate of Registration from the Authority on 31.03.2023 and Go Digit Life Insurance Ltd. has
received Certificate of Registration from the Authority on 09.06.2023.
$ Life insurance business of Sahara India Life Insurance Company Ltd (SILIC) is transferred to SBI Life Insurance Company Ltd. (SBI Life) by IRDAI vide its Order dt. 02.06.2023
and the above data /information for the FY 2023-24 does not include data /information pertaining to SILIC.Annual
Report
2023-24
141
Statement 5
SEGMENT-WISE TOTAL PREMIUM OF LIFE INSURERS
FOR 2023-24
(` in Crore)
LINKED (INDIVIDUAL AND GROUP)
Type Non-Participating Participating Both
First Year Renewal Single Total First Year Renewal Single Total Grand Total Percentage
Annuity - - - - - - - - - -
Health (0.00) 132.23 - 132.22 - - - - 132.22 0.11
Life 29,870.16 63,303.29 13,285.36 1,06,458.82 - 0.64 - 0.64 1,06,459.45 87.64
Pension 3,643.12 9,939.75 1,295.17 14,878.04 - 0.09 - 0.09 14,878.13 12.25
Variable - - - - - - - - - -
Total 33,513.29 73,375.27 14,580.53 1,21,469.08 - 0.72 - 0.72 1,21,469.80 100.00
NON-LINKED (INDIVIDUAL AND GROUP)
Type Non-Participating Participating Both
First Year Renewal Single Total First Year Renewal Single Total Grand Total Percentage
Annuity 3,190.58 2,446.63 30,738.72 36,375.93 - 2.16 - 2.16 36,378.09 5.13
Health 53.65 491.79 6.09 551.54 - - - - 551.54 0.08
Life 33,563.31 83,806.95 1,05,673.10 2,23,043.35 40,561.56 2,87,305.48 5,563.76 3,33,430.80 5,56,474.15 78.55
Pension 4,302.51 2,947.77 1,04,148.72 1,11,399.00 145.07 993.24 28.83 1,167.13 1,12,566.13 15.89
Variable 45.83 51.62 2,138.99 2,236.44 132.02 102.39 18.91 253.31 2,489.75 0.35
Total 41,155.87 89,744.76 2,42,705.62 3,73,606.26 40,838.64 2,88,403.27 5,611.49 3,34,853.41 7,08,459.66 100.00
LINKED AND NON-LINKED (INDIVIDUAL AND GROUP)
Type Non-Participating Participating Both
First Year Renewal Single Total First Year Renewal Single Total Grand Total Percentage
Annuity 3,190.58 2,446.63 30,738.72 36,375.93 - 2.16 - 2.16 36,378.09 4.38
Health 53.65 624.02 6.09 683.76 - - - - 683.76 0.08
Life 63,433.47 1,47,110.24 1,18,958.45 3,29,502.17 40,561.56 2,87,306.11 5,563.76 3,33,431.44 6,62,933.60 79.88
Pension 7,945.63 12,887.52 1,05,443.89 1,26,277.04 145.07 993.33 28.83 1,167.22 1,27,444.26 15.36
Variable 45.83 51.62 2,138.99 2,236.44 132.02 102.39 18.91 253.31 2,489.75 0.30
Total 74,669.16 1,63,120.03 2,57,286.15 4,95,075.34 40,838.64 2,88,403.99 5,611.49 3,34,854.13 8,29,929.46 100.00
Note: Life insurance business of Sahara India Life Insurance Company Ltd (SILIC) is transferred to SBI Life Insurance Company Ltd. (SBI Life) by IRDAI vide its Order dt. 02.06.2023
and the above data /information for the FY 2023-24 does not include data /information pertaining to SILIC.Statement 6
EQUITY SHARE CAPITAL OF LIFE INSURERS
(` in Crore)
S. Insurer As on Infusion As on Indian Foreign Foreign
No. March 31, during March 31, Promoters/ Promoters/ Investment
2023 the year 2024 Investors Investors %
1 Acko Life Insurance Ltd.* - 140.05 140.05 140.05 - -
2 Aditya Birla Sun Life Insurance Co. Ltd. 1,938.23 48.28 1,986.51 1,013.12 973.39 49.00
3 Ageas Federal Life Insurance Co. Ltd. 800.00 - 800.00 208.00 592.00 74.00
4 Aviva Life Insurance Co. Ltd. 2,189.90 - 2,189.90 569.37 1,620.53 74.00
5 Bajaj Allianz Life Insurance Co. Ltd. 150.71 - 150.71 111.52 39.18 26.00
6 Bandhan Life Insurance Co. Ltd.
(Formerly known as Aegon Life) 1,477.73 365.00 1,842.73 1,842.73 - -
7 Bharti AXA Life Insurance Co. Ltd. 3,706.20 135.00 3,841.20 3,841.20 - -
8 Canara HSBC Life Insurance Co. Ltd. 950.00 - 950.00 703.00 247.00 26.00
9 Credit Access Life Insurance Ltd.* - 168.00 168.00 43.68 124.32 74.00
10 Edelweiss Tokio Life Insurance Co. Ltd. 915.55 - 915.55 687.43 228.12 24.92
11 Future Generali Life Insurance Co. Ltd. 2,445.82 153.50 2,599.32 675.86 1,923.46 74.00
12 Go Digit Life Insurance Ltd.* - 121.19 121.19 79.08 42.11 34.75
13 HDFC Life Insurance Co. Ltd. 2,149.40 1.54 2,150.94 1,501.11 649.83 30.21
14 ICICI Prudential Life Insurance Co. Ltd. 1,438.57 2.05 1,440.62 899.34 541.27 37.57
15 IndiaFirst Life Insurance Co. Ltd. 754.37 - 754.37 558.23 196.14 26.00
16 Kotak Mahindra Insurance Co. Ltd. 510.29 - 510.29 510.29 - -
17 Max Life Insurance Co. Ltd. 1,918.81 - 1,918.81 1,918.81 - -
18 PNB Metlife Life India Insurance Co. Ltd. 2,012.88 - 2,012.88 1,028.27 984.61 48.92
19 Pramerica Life Insurance Co. Ltd. 374.06 - 374.06 190.77 183.29 49.00
20 Reliance Nippon Life Insurance Co. Ltd. 1,196.32 - 1,196.32 610.12 586.20 49.00
21 Sahara India Life Insurance Co. Ltd. 232.00 - 232.00 232.00 - -
22 SBI Life Insurance Co. Ltd. 1,000.89 0.57 1,001.46 733.14 268.33 26.79
23 Shriram Life Insurance Co. Ltd. 177.85 1.32 179.17 137.91 41.26 23.03
24 Star Union Dai-ichi Life Insurance Co. Ltd. 338.96 - 338.96 183.25 155.72 45.94
25 Tata AIA Life Insurance Co. Ltd. 1,953.50 980.00 2,933.50 1,496.09 1,437.42 49.00
Private Total 28,632.05 2,116.50 30,748.55 19,914.39 10,834.17 35.23
26 Life Insurance Corporation of India 6,325.00 - 6,325.00 6,312.91 12.09 0.19
Total 34,957.05 2,116.50 37,073.55 26,227.30 10,846.26 29.26
*Acko Life Insurance Ltd., and Credit Access Life Insurance Ltd. have received Certificate of Registration from the Author-
ity on 31.03.2023 and Go Digit Life Insurance Ltd. has received Certificate of Registration from the Authority on 09.06.2023.
142 Annual Report 2023-24Statement 7
GROSS DIRECT PREMIUM OF GENERAL AND HEALTH INSURERS
(WITHIN AND OUTSIDE INDIA)
(` in Crore)
S.No. Insurer 2022-23 2023-24
1. Acko General Insurance Ltd 1,509.41 1,870.28
2. Bajaj Allianz General Insurance Co. Ltd. 15,336.64 20,472.68
3. Cholamandalam MS General Insurance Co. Ltd. 6,155.99 7,532.89
4. Future Generali India Insurance Co. Ltd. 4,546.24 4,910.90
5. Go Digit General Insurance Ltd. 6,160.08 7,941.09
6. HDFC ERGO General Insurance Co. Ltd. 16,635.81 18,567.56
7. ICICI Lombard General Insurance Co. Ltd. 21,025.09 24,776.11
8. IFFCO Tokio General Insurance Co. Ltd. 9,870.95 9,835.08
9. Kotak Mahindra General Insurance Co. Ltd. 1,134.09 1,587.11
10. Kshema General Insurance Ltd. - 568.50
11. Liberty General Insurance Ltd. 1,957.33 2,155.03
12. Magma HDI General Insurance Co. Ltd. 2,534.12 3,044.19
13. Navi General Insurance Ltd. 70.59 70.48
14. Raheja QBE General Insurance Co. Ltd. 379.94 295.89
15. Reliance General Insurance Co. Ltd. 10,339.01 11,688.82
16. Royal Sundaram General Insurance Co. Ltd. 3,379.75 3,637.10
17. SBI General Insurance Co. Ltd. 10,828.40 12,553.57
18. Shriram General Insurance Co. Ltd. 2,265.78 3,036.05
19. Tata AIG General Insurance Co. Ltd. 13,176.01 15,090.90
20. Universal Sompo General Insurance Co. Ltd. 4,103.09 4,622.19
21. Zuno General Insurance Co. Ltd. 533.51 833.80
Private Sector Insurers Total 1,31,941.83 1,55,090.19
20.22% 17.54%
22. National Insurance Co. Ltd. 15,205.85 15,180.29
23. The New India Assurance Co. Ltd. 37,482.04 40,363.83
24. The Oriental Insurance Co. Ltd. 15,992.61 18,794.13
25. United India Insurance Co. Ltd. 17,644.31 19,852.96
Public Sector Insurers Total 86,324.81 94,191.20
10.20% 9.11%
26. Agriculture Insurance Co of India Ltd 14,619.79 9,940.58
27. Export Credit Guarantee Corporation of India Ltd. 1,197.53 1,270.77
Specialized Insurers Total 15,817.32 11,211.34
5.12% -29.12%
28. Aditya Birla Health insurance Co. Ltd. 2,717.03 3,701.32
29. Care Health Insurance Ltd. 5,141.53 6,864.46
30. Galaxy Health and Allied Insurance Co. Ltd.# - -
31. ManipalCigna Health Insurance Co. Ltd. 1,359.79 1,691.49
32. Narayana Health Insurance Ltd.# - -
33. Niva Bupa Health Insurance Co. Ltd. 4,073.03 5,607.57
34. Reliance Health Insurance Ltd. $ - -
35. Star Health and Allied Insurance Co. Ltd. 12,952.47 15,254.45
Standalone Health Insurers Total 26,243.85 33,119.30
25.77% 26.20%
Grand Total 2,60,327.82 2,93,612.04
16.22% 12.79%
Note: Figure in percentage indicate growth in percent over previous year.
Reclassification/Regrouping in the previous year’s figures, if any, by the insurer has not been considered.
$ Takeover of Reliance Health Insurance portfolio by Reliance General Insurance
# Started Operations in FY 2024-25
Annual Report 2023-24 143144
Annual
Report
2023-24
Statement 8
SEGMENT-WISE GROSS DIRECT PREMIUM INCOME OF GENERAL
AND HEALTH INSURERS(WITHIN INDIA)
(` in Crore)
S.No Insurer Fire Marine Motor Health+PA+Travel Others Total
2022-23 2023-24 2022-23 2023-24 2022-23 2023-24 2022-23 2023-24 2022-23 2023-24 2022-23 2023-24
1. Acko General Insurance Ltd. (0.02) - - - 659.96 830.58 736.00 898.09 113.47 141.61 1,509.41 1,870.28
2. Bajaj Allianz General Insurance Co. Ltd. 2,158.64 2,394.95 286.60 300.14 5,348.55 5,847.78 3,372.78 6,942.97 4,170.07 4,986.83 15,336.64 20,472.68
3. Cholamandalam MS General Insurance Co. Ltd. 660.56 714.92 123.04 131.08 4,345.12 4,963.53 893.28 1,104.16 133.99 619.20 6,155.99 7,532.89
4. Future Generali India Insurance Co. Ltd. 481.82 551.36 109.39 114.28 1,701.06 1,740.64 879.61 1,628.20 1,374.36 876.42 4,546.24 4,910.90
5. Go Digit General Insurance Ltd. 417.36 486.95 34.66 37.28 4,000.27 5,471.27 933.33 1,605.61 774.45 339.98 6,160.08 7,941.09
6. HDFC ERGO General Insurance Co. Ltd. 1,710.01 1,795.96 219.85 186.36 4,644.38 5,275.35 5,716.43 6,538.16 4,345.13 4,771.73 16,635.81 18,567.56
7. ICICI Lombard General Insurance Co. Ltd. 3,052.48 3,368.32 744.29 763.77 8,582.27 9,633.65 5,592.29 7,116.74 3,053.76 3,893.63 21,025.09 24,776.11
8. IFFCO Tokio General Insurance Co. Ltd. 944.73 970.02 302.13 305.42 4,133.56 4,371.25 2,169.52 1,646.03 2,321.01 2,542.36 9,870.95 9,835.08
9. Kotak Mahindra General Insurance Co. Ltd. 70.42 78.98 17.59 9.06 515.89 748.48 483.37 689.70 46.83 60.89 1,134.09 1,587.11
10. Kshema General Insurance Ltd. - 0.00 - - - - - - 568.50 - 568.50
11. Liberty General Insurance Ltd. 82.93 79.44 38.84 35.36 1,382.55 1,579.71 313.11 336.09 139.91 124.42 1,957.33 2,155.03
12. Magma HDI General Insurance Co. Ltd. 317.68 313.14 33.26 38.98 1,860.50 2,073.53 251.99 511.58 70.70 106.96 2,534.12 3,044.19
13. Navi General Insurance Ltd. (0.69) (1.02) - 27.71 15.93 43.55 55.57 0.02 - 70.59 70.48
14. Raheja QBE General Insurance Co. Ltd. 22.29 11.35 0.01 (0.00) 273.66 189.58 14.56 27.93 69.43 67.02 379.94 295.89
15. Reliance General Insurance Co. Ltd. 1,004.32 1,112.16 128.47 137.57 4,036.22 4,360.96 1,560.54 2,053.68 3,609.45 4,024.45 10,339.01 11,688.82
16. Royal Sundaram General Insurance Co. Ltd. 294.91 301.11 51.66 54.32 2,470.94 2,571.83 475.98 609.98 86.27 99.85 3,379.75 3,637.10
17. SBI General Insurance Co. Ltd. 1,618.94 1,817.73 84.02 82.97 2,710.68 3,560.11 3,293.86 3,999.34 3,120.91 3,093.43 10,828.40 12,553.57
18. Shriram General Insurance Co. Ltd. 79.60 89.31 2.01 2.12 2,085.21 2,777.93 60.78 119.80 38.17 46.89 2,265.78 3,036.05
19. Tata AIG General Insurance Co. Ltd. 1,880.38 2,074.97 679.75 676.33 6,692.85 7,437.49 2,770.21 3,133.81 1,152.82 1,768.30 13,176.01 15,090.90
20. Universal Sompo General Insurance Co. Ltd. 222.87 247.73 46.49 58.11 1,819.12 2,116.47 488.88 595.27 1,525.73 1,604.61 4,103.09 4,622.19
21. Zuno General Insurance Co. Ltd. 27.20 35.75 1.12 0.80 299.63 396.96 197.37 394.76 8.18 5.52 533.51 833.80
Private Sector Insurer Total 15,046.44 16,443.11 2,903.17 2,933.96 57,590.14 65,963.05 30,247.44 40,007.47 26,154.66 29,742.601,31,941.83 1,55,090.19
22. National Insurance Co. Ltd. 1,180.00 1,189.83 275.94 275.35 5,087.80 5,034.95 7,403.16 7,448.94 1,201.10 1,164.48 15,148.00 15,113.56Annual
Report
2023-24
145
Contd... Statement 8
SEGMENT-WISE GROSS DIRECT PREMIUM INCOME OF GENERAL
AND HEALTH INSURERS(WITHIN INDIA)
(` in Crore)
S.No Insurer Fire Marine Motor Health+PA+Travel Others Total
2022-23 2023-24 2022-23 2023-24 2022-23 2023-24 2022-23 2023-24 2022-23 2023-24 2022-23 2023-24
23. The New India Assurance Co. Ltd. 4,238.05 4,393.58 977.83 983.98 8,974.60 9,518.07 17,338.57 18,874.60 2,955.00 3,226.35 34,484.05 36,996.58
24. The Oriental Insurance Co. Ltd. 1,589.10 1,557.18 465.38 470.96 3,642.23 4,217.20 8,747.80 8,995.42 1,170.40 3,048.28 15,614.91 18,289.04
25. United India Insurance Co. Ltd. 1,882.54 2,082.82 436.34 427.23 5,985.27 7,047.27 7,682.68 8,248.22 1,657.47 2,047.42 17,644.31 19,852.96
Public Sector Insurer Total 8,889.69 9,223.41 2,155.49 2,157.53 23,689.90 25,817.49 41,172.21 43,567.17 6,983.97 9,486.54 82,891.26 90,252.13
Specialized Insurer
26. Agriculture Insurance Co of India Ltd NA NA NA NA NA NA NA NA 14,619.79 9,940.58 14,619.79 9,940.58
27. Export Credit Guarantee Corporation of India Ltd. NA NA NA NA NA NA NA NA 1,197.53 1,270.77 1,197.53 1,270.77
Specialized Insurer Total NA NA NA NA NA NA NA NA 15,817.32 11,211.34 15,817.32 11,211.34
28. Aditya Birla Health insurance Co. Ltd. NA NA NA NA NA NA 2,717.03 3,701.32 NA NA 2,717.03 3,701.32
29. Care Health Insurance Ltd. NA NA NA NA NA NA 5,141.53 6,864.46 NA NA 5,141.53 6,864.46
30. Galaxy Health and Allied Insurance Co. Ltd.#
31. ManipalCigna Health Insurance Co. Ltd NA NA NA NA NA NA 1,359.79 1,691.49 NA NA 1,359.79 1,691.49
32. Narayana Health Insurance Ltd.#
33. Niva Bupa Health Insurance Co. Ltd NA NA NA NA NA NA 4,073.03 5,607.57 NA NA 4,073.03 5,607.57
34. Reliance Health Insurance Ltd.@ NA NA NA NA NA NA NA NA NA NA NA NA
35. Star Health and Allied Insurance Co. Ltd NA NA NA NA NA NA 12,952.47 15,254.45 NA NA 12,952.47 15,254.45
Standalone Health Insurer Total NA NA NA NA NA NA 26,243.85 33,119.30 NA NA 26,243.85 33,119.30
Grand Total 23,936.12 25,666.52 5,058.66 5,091.49 81,280.04 91,780.54 97,663.50 1,16,693.95 48,955.94 50,440.48 2,56,894.27 2,89,672.97
Note:
NA indicates that insurer's business was not in operation during the corresponding financial year or in the corresponding segment.
Reclassification/Regrouping in the previous year's figures, if any, by the insurer has not been considered.
@Takeover of Reliance Health Insurance portfolio by Reliance General Insurance
# Started Operations in FY 2024-25Statement 9
EQUITY SHARE CAPITAL OF GENERAL, HEALTH AND RE-INSURERS
(` in Crore)
S.No. Insurer As on Infusion As on Promoter Non- FDI %
31st During 31st promoter
March the Year March (including
2023 2024 foreign)
Indian Foreign Total Total
1. Acko General Insurance Limited 2146.00 300.00 2446.00 2446.00 0.00 2446.00 0.00 0.00%
2. Bajaj Allianz General Insurance Co. Ltd. 110.23 0.00 110.23 81.57 28.66 110.23 0.00 26.00%
3. Cholamandalam MS General Insurance Co. Ltd. 298.81 0.00 298.81 179.28 119.52 298.81 0.00 40.00%
4. Future Generali India Insurance Company Limited 904.80 301.60 1206.40 597.10 609.31 1206.40 0.00 50.51%
5. Go Digit General Insurance Limited 874.02 1.15 875.16 841.68 33.49 875.16 0.00 3.83%
6. HDFC ERGO General Insurance Co. Ltd. 712.78 2.19 714.97 360.91 350.94 711.85 3.11 49.08%
7. ICICI Lombard General Insurance Co. Ltd. 491.13 1.56 492.69 252.60 0.00 252.60 240.09 0.00%
8. IFFCO Tokio General Insurance Co. Ltd. 287.82 0.00 287.82 146.79 141.03 287.82 0.00 49.00%
9. Kotak Mahindra General Insurance Company Limited 680.00 195.00 875.00 875.00 0.00 875.00 0.00 0.00%
10. Kshema General Insurance Limited 111.29 0.00 111.29 111.29 0.00 111.29 0.00 0.00%
11. Liberty General Insurance Limited 1086.23 0.00 1086.22 557.41 528.81 1086.22 0.00 48.68%
12. Magma HDI General Insurance Company Limited 246.67 22.63 269.30 259.21 0.00 259.21 10.09 0.00%
13. Navi General Insurance Limited 495.79 0.00 495.79 495.79 0.00 495.79 0.00 0.00%
14. Raheja QBE General Insurance Company Limited 371.12 27.23 398.35 203.16 195.19 398.35 0.00 49.00%
15. Reliance General Insurance Co. Ltd. 252.07 12.77 264.83 261.31 0.00 261.31 3.53 0.00%
16. Royal Sundaram General Insurance Co. Limited 449.00 0.00 449.00 269.40 179.60 449.00 0.00 40.00%
17. SBI General Insurance Company Limited 215.65 7.74 223.38 197.71 25.67 223.38 0.00 11.49%
18. Shriram General Insurance Company Limited 259.16 0.00 259.16 172.71 59.40 232.11 27.05 22.92%
19. Tata AIG General Insurance Co. Ltd. 994.46 0.00 994.46 735.90 258.56 994.46 0.00 26.00%
20. Universal Sompo General Insurance Co. Ltd. 368.18 0.00 368.18 240.74 127.44 368.18 0.00 34.61%
21. Zuno General Insurance Company Limited 678.00 193.00 871.00 871.00 0.00 0.00
PRIVATE SECTOR TOTAL (A) 12,033.18938 1,064.86255 13,098.0519 10156.54 2657.63 12814.17 283.88 20.29%
22. National Insurance Co. Ltd. 9375.00 - 9375.00 9375.00 9375.00 0.00%
23. The New India Assurance Co. Ltd. 824.00 - 824.00 704.00 704.00 120.00 0.00%
24. The Oriental Insurance Co. Ltd. 4620.00 - 4620.00 4620.00 4620.00 0.00%
25. United India Insurance Co. Ltd. 3905.00 - 3905.00 3905.00 3905.00 0.00%
PUBLIC SECTOR TOTAL (B) 18724.0000 0.0000 18724.0000 18604.00 0.00 18604.00 120.00 0.00%
TOTAL (PRIVATE + PUBLIC) (A+B) 30,757.1894 1,064.8626 31,822.0519 28760.54 2657.63 31418.17 403.88 8.35%
146 Annual Report 2023-24Contd... Statement 9
EQUITY SHARE CAPITAL OF GENERAL, HEALTH AND RE-INSURERS
(` in Crore)
S.No. Insurer As on Infusion As on Promoter Non- FDI %
31st During 31st promoter
March the Year March (including
2023 2024 foreign)
Indian Foreign Total Total
SPECIALISED INSURERS
26. Agriculture Insurance Co of India Ltd 200.00 - 200.00 200.00 0.00 200.00 0.00 0.00%
27. Export Credit Guarantee Corporation of India Ltd. 4,338.00 - 4338.00 4338.00 0.00 4338.00 0.00 0.00%
SPECIALISED INSURERS TOTAL (C) 4,538.00 - 4,538.00 4538.00 0.00 4538.00 - 0.00%
28. Aditya Birla Health insurance Co. Limited 507.58 0.20 507.78 233.01 223.87 456.87 50.91 44.09%
29. Care Health Insurance Ltd. 942.23 29.81 972.04 817.73 - 817.73 154.31 0.00%
30. Galaxy Health and Allied Insurance Company Limited# - 300.25 300.25 300.25 - - - 0.00%
31. ManipalCigna Health Insurance Company Limited 1,344.04 182.41 1526.44 777.87 747.37 1525.24 1.20 48.96%
32. Narayana Health Insurance Limited# - 100.05 100.05 100.05 - - - 0.00%
33. Niva Bupa Health Insurance Company Ltd. 1,510.68 188.86 1699.53 478.67 1069.99 1548.66 150.88 62.96%
34. Reliance Health Insurance Limited@ 193.90 - 193.90 193.90 - 193.90 - 0.00%
35. Star Health and Allied Insurance Company Limited 581.68 3.61 585.28 319.34 - 319.34 265.95 0.00%
STANDALONE HEALTH INSURERS TOTAL (D) 5,080.1035 805.1818 5,885.2853 3220.82 2041.23 5262.04 623.25 34.68%
General and Health Insurers Total(A+B+C+D) 40,375.29 1,870.04 42,245.34 36,519.36 4,698.85 41,218.22 1027.12 11.12%
36. Public Sector Reinsurer - General Insurance Corporation 877.20 - 877.20 877.20 - 877.20 - 0.00%
REINSURERS TOTAL (E) 877.20 - 877.20 877.20 - 877.20 - 0.00%
GRAND TOTAL (F) = (A+B+C+D+E) 41,252.49 1,870.04 43,122.54 37396.56 4698.85 42095.42 1027.12 10.90%
Note:
Indirect FDI not considered.
Reclassification/Regrouping in the previous year's figures, if any, by the insurer has not been considered.
Infusion during the year includes cancellation, reduction and fresh issue of shares
@Takeover of Reliance Health Insurance portfolio by Reliance General Insurance
# Started Operations in FY 2024-25
Annual Report 2023-24 147Statement 10
INCURRED CLAIMS RATIO OF GENERAL & HEALTH INSURERS
(WITHIN INDIA)
S.No. Insurer Incurred Claims Ratio (%)
Fire Marine Motor Health Others Total
2022-23 2023-24 2022-23 2023-24 2022-23 2023-24 2022-23 2023-24 2022-23 2023-24 2022-23 2023-24
1. Acko General Insurance Limited 94.50% 0.00% - 0.00% 86.94% 85.95% 83.88% 56.91% 70.37% 89.50% 84.28% 69.57%
2. Bajaj Allianz General Insurance Co. Ltd. 35.23% 47.36% 64.95% 60.42% 74.48% 71.84% 74.27% 84.96% 74.53% 61.42% 72.92% 73.80%
3. Cholamandalam MS General Insurance Co. Ltd. 39.49% 78.47% 62.85% 76.32% 75.33% 75.05% 67.88% 66.67% 18.17% 68.06% 71.24% 73.66%
4. Future Generali India Insurance Company Limited 36.33% 79.55% 86.58% 54.66% 64.72% 68.10% 79.18% 84.62% 62.31% 57.35% 65.91% 71.85%
5. Go Digit General Insurance Ltd. 38.20% 85.70% 91.11% 80.21% 68.76% 62.31% 71.87% 93.87% 56.41% 80.83% 67.23% 70.32%
6. HDFC ERGO General Insurance Co. Ltd. 58.44% 87.37% 136.43% 90.15% 78.09% 100.61% 79.04% 80.98% 84.28% 77.78% 79.94% 87.70%
7. ICICI Lombard General Insurance Co. Ltd. 49.32% 62.23% 72.42% 73.38% 72.40% 65.21% 77.33% 78.85% 65.64% 75.42% 72.36% 70.79%
8. IFFCO Tokio General Insurance Co. Ltd. 53.48% 103.75% 83.46% 75.67% 83.34% 81.04% 111.18% 107.46% 68.28% 73.61% 88.57% 86.33%
9. Kotak Mahindra General Insurance Co. Ltd. 50.69% 31.30% 138.48% 310.97% 80.53% 73.25% 56.01% 59.06% 35.56% 26.96% 69.50% 65.56%
10. Kshema General Insurance Limited - - - - - - - - - - - 69.54%
11. Liberty General Insurance Limited 26.98% 31.83% 105.82% 92.97% 73.73% 75.69% 74.17% 79.92% 42.93% 53.73% 72.30% 75.29%
12. Magma HDI General Insurance Company Limited 26.55% 41.47% 187.70% 190.33% 73.36% 78.86% 72.10% 87.46% 422.87% 72.22% 72.62% 79.88%
13. Navi General Insurance Limited 6.08% -2.57% - - 136.77% 61.84% 59.28% 59.40% 81.79% -34.09% 76.11% 52.40%
14. Raheja QBE General Insurance Company Limited 119.94% -291.26% -358.18%-3576.10% 83.02% 78.09% 138.67% 106.27% 40.98% 47.08% 78.48% 77.91%
15. Reliance General Insurance Co. Ltd. 28.98% 50.46% 94.27% 98.94% 79.62% 78.19% 86.31% 89.42% 77.43% 86.30% 77.20% 81.06%
16. Royal Sundaram General Insurance Co. Limited 34.19% 81.85% 62.93% 71.20% 79.29% 74.91% 83.36% 92.06% -94.73% 33.87% 76.99% 77.62%
17. SBI General Insurance Company Limited 51.70% 88.29% 134.13% 161.67% 89.97% 84.53% 73.92% 87.86% 74.99% 78.40% 78.73% 85.90%
18. Shriram General Insurance Company Limited 29.03% 68.26% -94.29% 23.01% 69.86% 63.57% 51.53% 47.47% 31.08% 45.33% 68.33% 63.00%
19. Tata AIG General Insurance Co. Ltd. 46.77% 64.85% 89.81% 92.50% 73.81% 66.98% 78.33% 77.94% 47.54% 71.46% 73.60% 71.43%
20. Universal Sompo General Insurance Co. Ltd. 55.33% 92.02% 77.54% 131.39% 83.46% 77.30% 82.84% 105.76% 54.08% 71.93% 78.18% 81.74%
21. Zuno General Insurance Company Limited 2.95% 84.17% 482.79% 1247.72% 79.83% 75.63% 89.59% 88.45% 104.18% 77.73% 82.21% 82.64%
Private Sector Insurers’ Average 44.11% 69.67% 87.90% 83.50% 75.60% 73.30% 80.09% 83.49% 69.58% 74.98% 75.13% 76.49%
22. National Insurance Co. Ltd. 87.54% 82.61% 23.42% 29.14% 108.81% 111.21% 102.35% 90.83% 117.20% 75.24% 100.85% 95.90%
23. The New India Assurance Co. Ltd. 62.27% 80.08% 65.24% 48.14% 97.52% 100.64% 103.33% 105.87% 68.88% 56.84% 95.59% 97.36%
24. The Oriental Insurance Co. Ltd. 61.73% 105.69% 61.20% 87.48% 106.66% 102.09% 130.09% 101.96% 51.00% 82.44% 112.14% 98.89%
25. United India Insurance Co. Ltd. 58.47% 77.99% 59.16% 48.23% 103.43% 86.95% 89.57% 109.23% 90.63% 90.48% 92.85% 96.50%
Public Sector Insurers’ Average 66.96% 83.46% 56.89% 54.01% 102.55% 99.57% 105.77% 103.16% 78.15% 75.26% 99.02% 97.23%
26. Agriculture Insurance Co of India Ltd NA NA NA NA NA NA NA NA 94.35% 95.59% 94.35% 95.59%
27. Export Credit Guarantee Corporation of India Ltd. NA NA NA NA NA NA NA NA -74.70% -90.25% -74.70% -90.25%
Specialized Insurers’ Average NA NA NA NA NA NA NA NA 73.71% 66.58% 73.71% 66.58%
28. Aditya Birla Health insurance Co. Limited NA NA NA NA NA NA 64.68% 68.31% NA NA 64.68% 68.31%
29. Care Health Insurance Ltd. NA NA NA NA NA NA 53.82% 57.69% NA NA 53.82% 57.69%
30. Galaxy Health and Allied Insurance Co. Ltd.# NA NA NA NA NA NA NA NA NA NA NA NA
31. ManipalCigna Health Insurance Company Limited NA NA NA NA NA NA 64.66% 63.78% NA NA 64.66% 63.78%
32. Narayana Health Insurance Limited# NA NA NA NA NA NA NA NA NA NA NA NA
33. Niva Bupa Health Insurance Company Ltd NA NA NA NA NA NA 54.05% 59.02% NA NA 54.05% 59.02%
34. Reliance Health Insurance Ltd. NA NA NA NA NA NA NA NA NA NA NA NA
35. Star Health and Allied Insurance Company Limited NA NA NA NA NA NA 65.00% 66.47% NA NA 65.00% 66.47%
Standalone Health Insurers’ Average NA NA NA NA NA NA 61.44% 63.63% NA NA 61.44% 63.63%
GRAND TOTAL 57.99% 78.33% 75.13% 72.39% 84.48% 81.98% 87.27% 86.35% 73.10% 72.78% 82.95% 82.52%
Note:
Health includes Personal Accident.
NA indicates that insurer's business was not in operation during the corresponding financial year or in the corresponding segment.
Reclassification/Regrouping in the previous year's figures, if any, by the insurer has not been considered.
# Started Business Operations in FY 2024-25.
148 Annual Report 2023-24Statement 11
SOLVENCY RATIO OF LIFE INSURERS
Insurer June September December March
2023 2023 2023 2024
Public Sector
1 Life Insurance Corporation of India 1.89 1.90 1.93 1.98
Private Sector
2 Acko Life Insurance Ltd. 2.76 2.74 2.67 2.36
3 Aditya Birla Sunlife Insurance Co. Ltd. 1.80 1.88 1.91 1.78
4 Bandhan Life Insurance Co. Ltd.
(Formerly known as Aegon Life) 2.67 2.54 2.47 2.48
5 Ageas Federal Life Insurance Co. Ltd. 3.22 3.22 3.13 2.97
6 Aviva Life Insurance Co. Ltd. 1.85 1.89 1.88 1.83
7 Bajaj Allianz Life Insurance Co. Ltd. 4.75 4.66 4.46 4.32
8 Bharti AXA Life Insurance Co.y Ltd. 1.70 1.66 1.63 1.62
9 Canara HSBC Life Insurance Co. Ltd. 2.44 2.29 2.20 2.13
10 Credit Access Life Insurance Ltd. 3.28 3.21 3.38 3.35
11 Edelweiss Tokio Life Insurance Co. Ltd. 2.16 1.95 1.87 1.79
12 Future Generali India Life Insurance Co. Ltd. 2.40 2.22 2.04 1.83
13 Go Digit Life Insurance Ltd. 1.82 1.56 2.45 2.07
14 HDFC Life Insurance Co. Ltd. 2.00 1.94 1.90 1.87
15 ICICI Prudential Life Insurance Co. Ltd. 2.03 1.99 1.96 1.92
16 IndiaFirst Life Insurance Co. Ltd. 2.25 2.15 2.12 2.01
17 Kotak Mahindra Life Insurance Ltd. 2.68 2.70 2.66 2.56
18 MaxLife Insurance Co. Ltd. 1.88 1.84 1.79 1.72
19 PNB Metlife India Insurance Co. Ltd. 1.81 1.74 1.70 1.71
20 Pramerica Life Insurance Co. Ltd. 3.49 3.04 2.82 2.62
21 Reliance Nippon Life Insurance Co. Ltd. 2.23 2.22 2.19 2.27
22 Sahara India Life Insurance Co. Ltd.*** - - - -
23 SBI Life Insurance Co. Ltd. 2.15 2.12 2.09 1.96
24 Shriram Life Insurance Co. Ltd. 1.98 1.92 1.95 2.06
25 Star Union Dai-ichi Life Insurance Co. Ltd. 2.18 2.03 2.02 2.03
26 TATA AIA Life Insurance Co. Ltd. 1.78 2.05 1.95 1.75
*** Life Insurance Business of Sahara India Life Insurance Company Limited has been transferred to SBI Life Insurance
Company Limited vide IRDAI order no IRDAI/F&I/ORD/MISC/119/6/2023 dated 2nd June, 2023.
Annual Report 2023-24 149Statement 12
SOLVENCY RATIO OF GENERAL, HEALTH AND REINSURANCE COMPANIES
S. Insurer June September December March
No. 2023 2023 2023 2024
Private Sector Insurer
1 Acko General Insurance Ltd. 2.24 2.77 2.18 1.89
2 Bajaj Allianz General Insurance Co. Ltd. 3.88 3.52 3.55 3.49
3 Cholamandalam MS General Insurance Co. Ltd. 1.96 1.89 1.79 1.79
4 Future Generali India Insurance Co. Ltd. 2.27 2.25 2.28 2.26
5 Go Digit General Insurance Ltd. 1.69 1.62 1.60 1.61
6 HDFC ERGO General Insurance Co. Ltd. 1.85 1.91 1.87 1.68
7 ICICI Lombard General Insurance Co. Ltd. 2.53 2.59 2.57 2.62
8 IFFCO Tokio General Insurance Co. Ltd. 1.68 1.77 1.68 1.72
9 Kotak Mahindra General Insurance Co. Ltd. 1.98 1.85 1.62 1.85
10 Kshema General Insurance Ltd. - 1.71 1.73 1.80
11 Liberty General Insurance Ltd. 1.97 1.79 1.73 1.76
12 Magma HDI General Insurance Co. Ltd. 2.32 2.02 2.10 2.05
13 Navi General Insurance Ltd. 2.88 3.60 3.81 3.93
14 Raheja QBE General Insurance Co. Ltd. 2.01 2.33 2.22 2.01
15 Reliance General Insurance Co. Ltd. 1.57 1.68 1.59 1.62
16 Royal Sundaram General Insurance Co. Ltd. 2.62 2.62 2.54 2.42
17 SBI General Insurance Co. Ltd. 2.03 1.98 1.97 2.25
18 Shriram General Insurance Co. Ltd. 4.83 4.66 4.30 4.02
19 Tata AIG General Insurance Co. Ltd. 1.96 2.16 2.13 2.09
20 Universal Sompo General Insurance Co. Ltd. 1.72 1.73 1.73 1.80
21 Zuno General Insurance Co. Ltd. 1.67 1.92 1.76 1.72
Public Sector Insurers
22 National Insurance Co. Ltd. -0.43 -0.35 -0.37 -0.45
23 The New India Assurance Co. Ltd. 1.85 1.7 1.72 1.81
24 The Oriental Insurance Co. Ltd. -1.03 -0.92 -0.88 -1.06
25 United India Insurance Co. Ltd. -0.42 -0.38 -0.48 -0.59
Specialized Insurers
26 Agriculture Insurance Co of India Ltd 2.64 2.67 3.01 3.34
27 Export Credit Guarantee Corporation of India Ltd. 48.88 47.50 47.64 47.87
Stand-alone Health Insurers
28 Aditya Birla Health insurance Co. Ltd 2.39 2.13 1.73 1.67
29 Care Health Insurance Ltd. 1.80 1.73 1.73 1.74
30 ManipalCigna Health Insurance Co. Ltd 1.62 1.57 1.56 1.66
31 Niva Bupa Health Insurance Co. Ltd 1.74 1.62 2.56 2.55
32 Star Health and Allied Insurance Co. Ltd 2.18 2.13 2.23 2.21
Reinsurer
33 General Insurance Corporation of India 2.88 2.82 2.94 3.25
150 Annual Report 2023-24Statement 13
SOLVENCY RATIO OF BRANCHES OF FOREIGN RE-INSURERS
S. No. Branches of Foreign As on As on
Re-insurers March 31, 2023 March 31, 2024
1 Allianz Global 2.64 4.02
2 AXA France Vie 2.42 8.66
3 Factory Mutual 2.92 3.38
4 Gen Re 2.06 2.36
5 Hannover Re 2.25 2.34
6 Lloyd’s of India 2.53 2.92
7 Munich Re 1.79 1.83
8 RGA Life 2.41 2.52
9 SCOR SE 4.01 3.05
10 Swiss Re 3.88 2.04
11 XL SE Insurance 3.00 3.62
Annual Report 2023-24 151Statement 14
GROSS REINSURANCE PREMIUM OF REINSURERS INCLUDING FRBS (````` CRORE)
Sl Reinsurer Indian Business Foreign Business Total
No 2022-23 2023-24 2022-23 2023-24 2022-23 2023-24
1 GIC Re 25,384.50 25,804.02 11,207.09 11,377.73 36,591.59 37,181.76
FRBs
2 Swiss Re 2,377.17 7,723.37 -1.81 4.75 2,375.36 7,728.12
3 Munich Re 9,410.89 10,114.45 119.82 121.37 9,530.71 10,235.81
4 AXA France Vie 979.25 85.81 - - 979.25 85.81
5 SCOR SE 761.70 2,513.17 - - 761.70 2,513.17
6 XL SE 185.49 287.01 - - 185.49 287.01
7 Hannover Re 2,558.26 2,078.66 0.55 1.58 2,558.81 2,080.24
8 RGA Life 310.84 356.46 0.63 0.16 311.47 356.62
9 Gen Re 870.55 1,012.65 - - 870.55 1,012.65
10 Markel(Lloyd’s) 131.91 150.00 - - 131.91 150.00
11 Allianz Global 189.77 208.55 55.83 54.64 245.59 263.18
12 Factory Mutual 135.17 218.91 - - 135.17 218.91
FRBs Total 17,910.99 24,749.03 175.01 182.49 18,085.99 24,931.52
Grand Total 43,295.49 50,553.05 11,382.10 11,560.23 54,677.58 62,113.28
152 Annual Report 2023-24Statement 15
ASSIGNED CAPITAL OF BRANCHES OF FOREIGN RE-INSURERS
(` Crore)
S. No. Branches of Foreign Re-insurers As on March Infusion During As on March
31, 2023 the Year 31, 2024
1 Allianz Global 286.97 61.88 348.85
2 AXA France Vie 730.76 1.11 731.87
3 Factory Mutual 160.80 0.00 160.80
4 Gen Re 959.70 0.00 959.70
5 Hannover Re 886.86 -109.83 777.03
6 Lloyd’s of India 105.00 0.00 105.00
7 Munich Re 4,641.10 0.00 4,641.10
8 RGA Life 3,463.97 296.74 3,760.71
9 SCOR SE 975.16 0.00 975.16
10 Swiss Re 3,126.88 0.00 3,126.88
11 XL SE Insurance 233.35 0.00 233.35
TOTAL 15,570.55 249.90 15,820.45
Annual Report 2023-24 153154
Annual
Report
2023-24
Statement 16
ASSETS UNDER MANAGEMENT OF LIFE INSURERS
(AS ON 31st MARCH)
(` in Crore)
S.No.Insurer LIFE FUND
Central State Government & Housing & Approved Other Total
Government Other Approved Infrastructure Investments Investments (Life Fund)
Securities Securities Investments
2023 2024 2023 2024 2023 2024 2023 2024 2023 2024 2023 2024
1. Acko Life Insurance Ltd. - 84.45 - 35.00 - 39.12 - 0.67 - 159.25
2. Aditya Birla Sunlife Insurance Co. Ltd. 16,059.28 21,758.80 1,669.28 1,761.17 6,953.56 7,297.72 4,298.12 6,021.17 575.67 629.70 29,555.91 37,468.56
3. Bandhan Life Insurance Co. Ltd.
(Formerly known as Aegon Life) 1,183.31 1,136.62 498.61 663.23 670.91 674.35 756.38 885.69 25.02 - 3,134.23 3,359.90
4. Ageas Federal Life Insurance Co. Ltd. 3,011.66 3,086.04 3,517.80 3,852.72 1,854.33 2,025.12 1,345.39 2,063.25 77.95 38.96 9,807.13 11,066.09
5. Aviva Life Insurance Co. Ltd. 5,047.38 5,318.73 1,804.48 2,323.46 1,466.44 1,678.11 254.08 157.42 19.10 38.09 8,591.48 9,515.82
6. Bajaj Allianz Life Insurance Co. Ltd. 19,325.61 21,379.30 4,209.50 7,197.85 6,581.41 5,572.80 11,376.08 13,547.00 873.67 700.42 42,366.27 48,397.37
7. Bharti AXA Life Insurance Co.y Ltd. 5,218.28 6,187.60 1,818.31 1,903.61 1,936.96 2,202.19 1,308.74 1,882.03 265.32 194.63 10,547.62 12,370.07
8. Canara HSBC Life Insurance Co. Ltd. 4,363.04 5,149.56 3,232.44 4,913.62 2,486.75 2,496.06 1,716.50 2,755.79 141.75 32.46 11,940.49 15,347.49
9. Credit Access Life Insurance Ltd. - 80.68 - 9.90 - 27.42 - 23.36 - 7.88 - 149.25
10. Edelweiss Tokio Life Insurance Co. Ltd. 2,384.27 2,947.34 106.39 222.81 729.84 1,039.88 851.67 880.81 484.10 428.03 4,556.28 5,518.87
11. Future Generali India Life Ins. Co. Ltd. 3,528.61 3,900.67 392.89 383.57 918.24 1,089.55 420.51 737.22 2.24 46.02 5,262.48 6,157.03
12. Go Digit Life Insurance Ltd. - 148.00 - - - 52.88 - 74.64 - 5.74 - 281.27
13. HDFC Life Insurance Co. Ltd. 58,304.52 75,563.14 10,888.03 15,623.67 19,217.11 23,328.08 19,729.44 20,608.32 2,453.18 2,304.08 1,10,592.27 1,37,427.29
14. ICICI Prudential Life Insurance Co. Ltd. 49,060.76 59,456.82 5,863.60 6,658.14 13,823.73 16,485.93 15,047.08 17,616.84 2,197.10 1,919.25 85,992.27 1,02,136.98
15. IndiaFirst Life Insurance Co. Ltd. 2,471.37 3,982.38 2,705.33 3,380.85 1,656.71 2,064.83 1,144.57 1,648.09 71.59 65.00 8,049.57 11,141.14
16. Kotak Mahindra Life Insurance Ltd. 24,503.26 29,818.68 1,653.22 2,881.55 6,543.82 7,584.34 4,661.72 4,698.40 738.96 1,054.63 38,100.98 46,037.61
17. MaxLife Insurance Co. Ltd. 44,935.22 52,802.12 7,516.72 8,549.34 13,592.36 17,056.56 13,811.04 14,552.85 2,315.77 3,062.34 82,171.12 96,023.21
18. PNB Metlife India Insurance Co. Ltd. 12,438.72 13,773.52 5,064.19 6,335.23 7,462.50 6,948.44 3,798.30 6,570.94 255.32 218.20 29,019.04 33,846.33
19. Pramerica Life Insurance Co. Ltd. 2,984.52 3,400.07 476.69 793.97 1,284.03 1,234.13 647.35 684.22 37.10 43.97 5,429.69 6,156.36
20. Reliance Nippon Life Insurance Co. Ltd. 13,725.38 15,017.27 3,663.89 4,446.89 3,906.44 4,963.80 1,748.48 2,047.62 125.74 102.98 23,169.94 26,578.57
21. Sahara India Life Insurance Co. Ltd.* 671.60 - 196.94 - 449.67 - 87.38 - 17.62 - 1,423.21 -
22. SBI Life Insurance Co. Ltd. 41,780.24 53,870.24 5,643.23 5,689.37 15,232.49 17,701.27 19,077.33 20,949.77 2,308.97 2,489.20 84,042.26 1,00,699.85
23. Shriram Life Insurance Co. Ltd. 2,634.56 3,226.27 2,053.84 2,428.35 2,051.73 2,061.50 950.08 1,783.27 58.30 72.69 7,748.52 9,572.08
24. Star Union Dai-ichi Life Ins. Co. Ltd. 6,052.11 6,225.62 1,684.49 3,425.75 1,878.45 2,593.15 1,051.46 1,193.30 94.09 165.16 10,760.60 13,602.98
25. TATA AIA Life Insurance Co. Ltd. 30,673.74 41,094.88 88.12 69.76 8,035.26 10,042.74 5,073.14 6,883.38 649.39 1,164.02 44,519.65 59,254.78
PRIVATE TOTAL 3,50,357.44 4,29,408.82 64,747.98 83,514.80 1,18,732.76 1,36,255.88 1,09,154.85 1,28,304.51 13,787.95 14,784.12 6,56,780.99 7,92,268.13
26. Life Insurance Corporation of India 12,71,063.52 13,77,418.00 6,02,679.07 6,63,690.00 2,15,210.22 2,43,610.00 6,45,442.42 7,61,159.76 1,27,204.88 83,637.03 28,61,600.11 31,29,514.79
INDUSTRY TOTAL 16,21,420.96 18,06,826.82 6,67,427.05 7,47,204.80 3,33,942.98 3,79,865.88 7,54,597.27 8,89,464.27 1,40,992.84 98,421.15 35,18,381.10 39,21,782.92
Note:*Life insurance business of Sahara India Life Insurance Company Ltd (SILIC) is transferred to SBI Life Insurance Company Ltd (SBI Life) by IRDAI vide its Order dt. 2.6.2023 and
the above data / information for the FY 2023-24 does not include data / information pertaining to SILIC.Annual
Report
2023-24
155
Contd... Statement 16
ASSETS UNDER MANAGEMENT OF LIFE INSURERS
(AS ON 31st MARCH)
(` in Crore)
S.No.Insurer PENSION AND GENERAL ANNUITY & GROUP FUND
Central State Government & Approved Total (Pension & General
Government Other Approved Investments Annuity & Group Fund)
Securities Securities
2023 2024 2023 2024 2023 2024 2023 2024
1. Acko Life Insurance Ltd. - - - - - - - -
2. Aditya Birla Sunlife Insurance Co. Ltd. 4,438.32 5,138.37 979.92 1,278.81 4,405.46 5,871.65 9,823.70 12,288.83
3. Bandhan Life Insurance Co. Ltd.
(Formerly known as Aegon Life) 4.19 4.20 - - 0.98 1.50 5.17 5.70
4. Ageas Federal Life Insurance Co. Ltd. 327.02 342.20 226.81 266.81 357.20 487.28 911.03 1,096.29
5. Aviva Life Insurance Co. Ltd. 217.08 205.35 13.89 34.22 44.90 43.05 275.86 282.62
6. Bajaj Allianz Life Insurance Co. Ltd. 7,504.17 7,041.53 1,888.51 3,197.89 4,051.04 5,479.54 13,443.72 15,718.96
7. Bharti AXA Life Insurance Co.y Ltd. 180.76 266.09 136.54 129.13 307.20 291.54 624.50 686.76
8. Canara HSBC Life Insurance Co. Ltd. 1,211.95 1,347.00 1,283.13 1,531.71 2,791.85 3,169.54 5,286.93 6,048.25
9. Credit Access Life Insurance Ltd. - 31.95 - - - 35.22 - 67.17
10. Edelweiss Tokio Life Insurance Co. Ltd. 211.63 206.42 6.02 6.02 60.78 87.93 278.43 300.37
11. Future Generali India Life Ins. Co. Ltd. 270.01 261.57 288.48 265.84 577.95 553.21 1,136.45 1,080.61
12. Go Digit Life Insurance Ltd. - 67.25 - - - 50.41 - 117.66
13. HDFC Life Insurance Co. Ltd. 24,155.59 27,457.43 10,563.35 16,315.63 12,481.68 10,394.66 47,200.62 54,167.72
14. ICICI Prudential Life Insurance Co. Ltd. 10,250.67 11,739.36 2,127.40 2,838.83 4,014.05 5,262.73 16,392.12 19,840.92
15. IndiaFirst Life Insurance Co. Ltd. 1,771.54 2,070.31 2,258.18 2,217.58 1,612.30 1,704.88 5,642.02 5,992.77
16. Kotak Mahindra Life Insurance Ltd. 1,958.85 3,002.84 478.20 716.70 683.29 784.26 3,120.33 4,503.80
17. MaxLife Insurance Co. Ltd. 1,871.41 2,867.78 1,106.33 2,622.90 1,680.57 1,734.65 4,658.30 7,225.32
18. PNB Metlife India Insurance Co. Ltd. 1,512.50 1,684.56 353.55 546.54 341.03 549.06 2,207.08 2,780.16
19. Pramerica Life Insurance Co. Ltd. 600.90 777.64 129.66 196.64 703.46 934.15 1,434.03 1,908.43
20. Reliance Nippon Life Insurance Co. Ltd. 176.45 191.64 135.48 148.65 29.85 52.87 341.78 393.16
21. Sahara India Life Insurance Co. Ltd.* 3.23 - - - - - 3.23 -
22. SBI Life Insurance Co. Ltd. 26,620.13 33,116.91 14,599.67 17,636.85 16,896.06 17,631.11 58,115.86 68,384.87
23. Shriram Life Insurance Co. Ltd. 230.35 253.08 247.25 358.26 321.77 413.88 799.37 1,025.22
24. Star Union Dai-ichi Life Ins. Co. Ltd. 1,447.49 2,183.88 1,873.62 2,417.46 1,854.97 2,245.74 5,176.07 6,847.07
25. TATA AIA Life Insurance Co. Ltd. 2,666.42 3,748.80 62.28 49.54 557.32 763.09 3,286.02 4,561.42
PRIVATE TOTAL 87,630.66 1,04,006.15 38,758.26 52,776.01 53,773.70 58,541.94 1,80,162.61 2,15,324.09
Life Insurance Corporation of India 4,73,237.81 5,26,422.68 4,54,229.43 4,95,529.32 2,28,408.24 2,37,073.12 11,55,875.49 12,59,025.12
INDUSTRY TOTAL 5,60,868.46 6,30,428.83 4,92,987.69 5,48,305.33 2,82,181.95 2,95,615.06 13,36,038.10 14,74,349.21
Note:*“Life insurance business of Sahara India Life Insurance Company Ltd (SILIC) is transferred to SBI Life Insurance Company Ltd (SBI Life) by IRDAI vide its Order dt. 2.6.2023
and the above data / information for the FY 2023-24 does not include data / information pertaining to SILIC.156
Annual
Report
2023-24
Contd... Statement 16
ASSETS UNDER MANAGEMENT OF LIFE INSURERS
(AS ON 31st MARCH)
(` in Crore)
S.No. Insurer UNIT LINKED FUND
Approved Other Investments Total (ULIP Funds) Total (All Funds)
Government Other Approved
Securities Securities
2023 2024 2023 2024 2023 2024 2023 2024
1. Acko Life Insurance Ltd. - - - - - - - 159.25
2. Aditya Birla Sunlife Insurance Co. Ltd. 28,965.03 33,388.17 1,542.38 2,617.48 30,507.41 36,005.65 69,887.02 85,763.04
3. Bandhan Life Insurance Co. Ltd.
(Formerly known as Aegon Life) 841.24 987.33 115.18 71.72 956.42 1,059.06 4,095.82 4,424.66
4. Ageas Federal Life Insurance Co. Ltd. 3,727.79 4,584.82 236.02 244.69 3,963.81 4,829.51 14,681.97 16,991.89
5. Aviva Life Insurance Co. Ltd. 3,130.24 3,744.37 344.83 299.75 3,475.07 4,044.12 12,342.41 13,842.56
6. Bajaj Allianz Life Insurance Co. Ltd. 30,518.59 39,814.13 3,067.58 3,869.96 33,586.17 43,684.09 89,396.16 1,07,800.42
7. Bharti AXA Life Insurance Co.y Ltd. 1,584.78 2,088.85 181.37 156.79 1,766.14 2,245.64 12,938.26 15,302.47
8. Canara HSBC Life Insurance Co. Ltd. 11,752.65 14,611.13 1,186.80 1,306.46 12,939.45 15,917.59 30,166.88 37,313.33
9. Credit Access Life Insurance Ltd. - - - - - - - 216.42
10. Edelweiss Tokio Life Insurance Co. Ltd. 1,567.42 1,880.49 178.58 220.13 1,746.00 2,100.62 6,580.71 7,919.86
11. Future Generali India Life Ins. Co. Ltd. 626.87 643.59 65.89 95.79 692.76 739.38 7,091.69 7,977.02
12. Go Digit Life Insurance Ltd. - - - - - - - 398.93
13. HDFC Life Insurance Co. Ltd. 71,368.11 86,590.37 7,833.36 8,951.25 79,201.47 95,541.62 2,36,994.36 2,87,136.63
14. ICICI Prudential Life Insurance Co. Ltd. 1,22,498.98 1,38,033.18 21,559.07 26,809.21 1,44,058.06 1,64,842.39 2,46,442.45 2,86,820.29
15. IndiaFirst Life Insurance Co. Ltd. 7,119.65 8,629.24 619.15 892.67 7,738.81 9,521.91 21,430.40 26,655.82
16. Kotak Mahindra Life Insurance Ltd. 20,809.61 25,752.40 1,931.83 2,933.42 22,741.44 28,685.82 63,962.74 79,227.23
17. MaxLife Insurance Co. Ltd. 32,940.95 40,147.39 2,309.29 4,031.88 35,250.23 44,179.27 1,22,079.65 1,47,427.80
18. PNB Metlife India Insurance Co. Ltd. 7,925.28 10,354.13 468.59 439.44 8,393.87 10,793.57 39,619.99 47,420.06
19. Pramerica Life Insurance Co. Ltd. 333.85 334.00 25.13 23.61 358.98 357.62 7,222.69 8,422.41
20. Reliance Nippon Life Ins. Co. Ltd. 6,347.60 7,378.38 617.76 694.50 6,965.35 8,072.88 30,477.08 35,044.61
21. Sahara India Life Insurance Co. Ltd.* 66.61 - 4.59 - 71.20 - 1,497.64 -
22. SBI Life Insurance Co. Ltd. 1,51,231.09 2,00,070.78 12,024.45 15,939.49 1,63,255.54 2,16,010.27 3,05,413.66 3,85,094.99
23. Shriram Life Insurance Co. Ltd. 406.48 491.46 22.35 29.05 428.83 520.51 8,976.71 11,117.81
24. Star Union Dai-ichi Life Ins. Co. Ltd. 2,540.37 3,407.94 240.82 135.56 2,781.19 3,543.50 18,717.86 23,993.55
25. TATA AIA Life Insurance Co. Ltd. 18,801.21 27,848.82 3,135.63 5,133.81 21,936.84 32,982.63 69,742.51 96,798.83
PRIVATE TOTAL 5,25,104.38 6,50,780.97 57,710.65 74,896.68 5,82,815.03 7,25,677.65 14,19,758.63 17,33,269.87
LIC 25,419.06 34,435.96 760.86 603.76 26,179.92 35,039.72 40,43,655.51 44,23,579.63
INDUSTRY TOTAL 5,50,523.44 6,85,216.93 58,471.51 75,500.44 6,08,994.95 7,60,717.37 54,63,414.15 61,56,849.50
Note:*“Life insurance business of Sahara India Life Insurance Company Ltd (SILIC) is transferred to SBI Life Insurance Company Ltd (SBI Life) by IRDAI vide its Order dt. 2.6.2023
and the above data / information for the FY 2023-24 does not include data / information pertaining to SILIC.Annual
Report
2023-24
157
Statement 17
ASSETS UNDER MANAGEMENT OF GENERAL,HEALTH, SPECIALIZED & REINSURERS
(AS ON 31ST MARCH)
(` in Crore)
SI. Insurer Central State Government Housing & Loans Infrastructure Approved Other Total
No Government & Other to State Government Investments Investments Investments Investments
Securities Approved Securities for Housing and FFE
2023 2024 2023 2024 2023 2024 2023 2024 2023 2024 2023 2024 2023 2024
1 ACKO GENERAL 546.35 731.88 153.33 126.27 277.17 247.24 265.11 196.85 693.20 1,065.21 - - 1,935.16 2,367.45
2 BAJAJ ALLIANZ 15,393.86 14,742.52 3,440.04 3,582.59 2,476.93 1,518.55 1,838.33 3,239.97 3,477.28 6,216.47 157.49 235.56 26,783.94 29,535.66
3 CHOLAMANDALAM MS 6,460.68 6,300.51 3,117.87 3,820.32 2,055.74 957.17 2,059.83 2,560.30 892.61 2,742.19 96.19 120.82 14,682.91 16,501.32
4 FUTURE GENERALI 1,669.09 1,866.14 1,838.26 1,996.58 795.96 723.02 1,353.16 1,434.93 1,090.43 1,455.73 26.19 25.42 6,773.11 7,501.82
5 GO DIGIT 8,415.89 8,600.74 241.54 319.31 956.00 999.60 1,390.01 1,985.77 1,240.06 3,155.21 56.44 174.14 12,299.93 15,234.76
6 HDFC ERGO 4,686.39 6,210.43 4,694.16 5,690.12 2,007.87 1,943.32 4,702.71 5,366.00 5,894.81 6,197.80 228.40 58.54 22,214.34 25,466.21
7 ICICI LOMBARD 14,107.09 13,528.96 5,460.16 6,589.24 3,748.86 2,680.93 6,166.80 7,077.87 11,653.61 16,342.83 1,839.18 1,717.42 42,975.70 47,937.25
8 IFFCO TOKIO 5,395.73 5,825.36 3,213.33 3,513.90 1,839.21 1,801.82 3,527.74 2,403.17 2,602.18 4,032.49 3.22 1.55 16,581.41 17,578.29
9 KOTAK MAHINDRA 875.10 1,104.51 187.42 95.04 323.83 250.21 39.99 310.77 317.46 519.83 - 15.00 1,743.80 2,295.36
10 KSHEMA* - 124.10 - 23.11 - 14.98 - 64.82 - 175.13 - - - 402.13
11 LIBERTY 836.49 942.26 769.76 928.72 449.54 329.95 675.07 800.82 977.54 1,037.51 - - 3,708.40 4,039.26
12 MAGMA HDI 2,064.52 2,237.69 778.75 1,018.59 452.85 486.19 1,025.92 1,414.94 847.06 1,760.97 89.94 89.95 5,259.04 7,008.32
13 NAVI GENERAL 169.05 312.24 107.52 10.01 59.66 24.83 103.24 101.41 13.05 37.25 37.04 34.99 489.56 520.73
14 RAHEJA QBE 363.40 317.08 - - 120.34 55.00 204.26 200.87 162.08 310.12 - - 850.08 883.06
15 RELIANCE 5,301.03 5,905.95 2,912.85 3,686.19 1,343.55 2,039.40 1,726.62 2,335.41 5,284.58 6,053.56 439.41 416.76 17,008.04 20,437.27
16 ROYAL SUNDARAM 1,833.76 2,771.12 1,366.37 1,268.19 901.43 751.25 1,486.80 1,052.67 1,677.18 2,107.44 369.85 523.45 7,635.38 8,474.11
17 SBI GENERAL 3,467.31 3,785.33 1,932.39 2,250.17 1,393.38 1,115.66 2,410.83 2,951.37 3,664.48 6,924.10 215.40 597.83 13,083.79 17,624.46
18 SHRIRAM GENERAL 3,615.54 3,700.20 5.30 57.32 2,200.14 1,898.62 2,675.79 2,658.83 2,813.73 3,494.69 4.66 187.99 11,315.16 11,997.64
19 TATA AIG 5,196.80 6,072.50 3,873.90 4,508.89 1,459.19 1,083.98 3,383.63 3,721.78 7,488.99 9,984.87 1,163.41 1,482.40 22,565.92 26,854.43
20 UNIVERSAL SOMPO 1,275.99 1,181.13 451.56 443.36 573.36 521.32 744.02 874.85 1,322.98 1,528.02 18.61 60.15 4,386.52 4,608.84
21 ZUNO GENERAL 151.60 314.61 42.98 30.96 96.36 126.81 114.18 111.40 176.97 453.66 68.02 60.47 650.11 1,097.91
PRIVATE SECTOR TOTAL 81,825.66 86,575.27 34,587.51 39,958.87 23,531.35 19,569.84 35,894.03 40,864.79 52,290.28 75,595.08 4,813.45 5,802.43 2,32,942.29 2,68,366.28
22 NATIONAL 6,228.15 6,032.81 6,441.15 5,667.46 2,454.52 2,214.85 2,749.95 2,510.25 9,431.66 10,870.67 1,215.50 615.31 28,520.92 27,911.35
23 NEW INDIA 16,839.99 13,717.74 18,928.37 18,193.63 3,151.89 3,697.29 7,284.92 7,404.51 7,906.46 16,866.25 2,239.01 863.65 56,350.64 60,743.08
24 ORIENTAL 4,865.45 4,646.37 8,445.84 7,718.80 1,278.23 1,225.95 2,229.93 2,093.18 3,350.18 5,253.09 914.66 573.55 21,084.29 21,510.94
25 UNITED INDIA 8,539.22 8,288.91 8,715.28 8,483.65 2,098.81 1,924.44 3,978.21 3,919.62 7,639.10 8,899.65 1,789.34 1,103.31 32,759.96 32,619.58
PUBLIC SECTOR TOTAL 36,472.81 32,685.83 42,530.64 40,063.54 8,983.44 9,062.53 16,243.02 15,927.57 28,327.40 41,889.66 6,158.50 3,155.82 1,38,715.81 1,42,784.95
* Started operations in FY2023-24158
Annual
Report
2023-24
Contd... Statement 17
ASSETS UNDER MANAGEMENT OF GENERAL,HEALTH, SPECIALIZED & REINSURERS
(AS ON 31ST MARCH)
(` in Crore)
SI. Insurer Central State Government Housing & Loans Infrastructure Approved Other Total
No Government & Other to State Government Investments Investments Investments Investments
Securities Approved Securities for Housing and FFE
2023 2024 2023 2024 2023 2024 2023 2024 2023 2024 2023 2024 2023 2024
26 ADITYA BIRLA HEALTH 1,189.87 1,102.54 898.30 983.94 118.57 149.86 93.90 153.74 653.23 916.56 - - 2,953.87 3,306.63
27 CARE HEALTH 1,565.56 1,942.93 275.85 534.08 386.56 401.47 1,568.43 1,914.78 1,272.81 1,802.02 12.74 9.72 5,081.95 6,605.00
28 MANIPAL CIGNA 341.16 377.06 365.51 412.68 126.15 105.59 264.45 357.80 322.59 439.55 7.24 2.67 1,427.10 1,695.35
29 NIVA BUPA 692.58 1,131.89 360.69 607.05 393.66 497.94 831.85 1,496.91 881.91 1,524.50 208.44 199.08 3,369.14 5,457.36
30 STAR HEALTH 3,118.74 3,582.12 1,619.60 1,563.18 936.23 1,465.78 1,666.11 1,828.97 5,512.96 6,162.48 536.11 784.79 13,389.76 15,387.31
STANDALONE
HEALTHTOTAL 6,907.92 8,136.53 3,519.95 4,100.92 1,961.17 2,620.64 4,424.76 5,752.19 8,643.49 10,845.10 764.53 996.26 26,221.81 32,451.65
31 GIC OF INDIA 21,917.08 23,005.82 24,449.86 28,131.47 6,289.70 6,398.89 8,236.00 11,506.97 21,356.13 24,911.90 3,926.63 2,344.23 86,175.41 96,299.27
REINSURER TOTAL 21,917.08 23,005.82 24,449.86 28,131.47 6,289.70 6,398.89 8,236.00 11,506.97 21,356.13 24,911.90 3,926.63 2,344.23 86,175.41 96,299.27
32 AIC 4,240.98 4,021.50 4,377.51 4,090.35 2,047.57 2,015.75 998.16 977.54 4,158.74 4,186.52 52.04 72.00 15,875.00 15,363.66
33 ECGC 3,326.90 3,413.27 3,448.01 3,924.84 1,181.66 1,022.44 3,218.05 3,168.94 4,234.73 4,457.79 166.46 146.67 15,575.82 16,133.94
SPECIALIZED INSURER TOTAL 7,567.89 7,434.77 7,825.52 8,015.19 3,229.22 3,038.19 4,216.22 4,146.48 8,393.47 8,644.31 218.50 218.67 31,450.82 31,497.60
34 ALLIANZ GLOBAL 155.82 196.06 122.21 120.18 - 24.84 157.40 75.17 44.71 79.71 - - 480.14 495.96
35 AXA FRANCE VIE 1,133.10 875.72 26.66 26.05 110.89 100.27 - 108.07 150.61 - - - 1,421.26 1,110.11
36 FACTORY MUTUAL 144.14 166.80 - - - 15.62 - 35.59 - - - - 144.14 218.01
37 GENERAL REINSURANCE
AG INDIA BRANCH 917.29 1,045.85 - 76.07 - 75.09 247.77 219.49 - 34.70 - - 1,165.06 1,451.20
38 HANNOVER RE 1,831.33 1,785.03 15.77 15.46 - 174.11 392.00 533.49 371.42 640.35 - - 2,610.52 3,148.44
39 MUNICH RE 5,767.60 6,561.71 - - 334.19 269.40 1,899.91 2,718.64 - - - - 8,001.70 9,549.75
40 RGA LIFE 2,721.57 3,189.16 - - - - 611.13 604.16 30.75 59.42 - - 3,363.45 3,852.74
41 SCOR SE 1,851.15 2,191.70 - - - 194.91 225.05 314.13 220.06 - - - 2,296.26 2,700.74
42 SWISS RE 3,899.59 5,061.37 - - 650.46 643.01 647.06 851.30 - - - - 5,197.11 6,555.68
43 XL INSURANCE CO.SE 457.87 487.13 - - 80.46 70.31 71.46 71.19 - - - - 609.79 628.63
FRBs TOTAL 18,879.46 21,560.53 164.64 237.76 1,176.00 1,567.56 4,251.78 5,531.23 817.55 814.18 - - 25,289.43 29,711.26
GRAND TOTAL 1,73,570.81 1,79,398.74 1,13,078.12 1,20,507.75 45,170.89 42,257.65 73,265.80 83,729.23 1,19,828.33 1,62,700.23 15,881.62 12,517.41 5,40,795.58 6,01,111.02ANNEXURES160 Annual Report 2023-24Annexure 1
LIST OF REGISTERED INSURERS/REINSURERS OPERATING IN INDIA
(As on 31st March 2024)
Life Insurers Non-Life Insurers
PUBLIC SECTOR PUBLIC SECTOR
1 Life Insurance Corporation of India 1 National Insurance Co. Ltd
2 The New India Assurance Co. Ltd
3 The Oriental Insurance Co. Ltd
4 United India Insurance Co. Ltd
PRIVATE SECTOR
PRIVATE SECTOR
1 Acko Life Insurance Co. Ltd
1 Acko General Insurance Ltd.
2 Aditya Birla Sun Life Insurance Co. Ltd
2 Bajaj Allianz General Insurance Co. Ltd
3 Aegon Life Insurance Co. Ltd 3 Cholamandalam MS General Insurance Co. Ltd
4 Ageas Federal Life Insurance Co. Ltd 4 Future Generali India Insurance Co. Ltd
5 Go Digit General Insurance Ltd.
5 Aviva Life Insurance Co. Ltd
6 HDFC ERGO General Insurance Co. Ltd
6 Bajaj Allianz Life Insurance Co. Ltd
7 ICICI Lombard General Insurance Co. Ltd
7 Bharti AXA Life Insurance Co. Ltd 8 IFFCO Tokio General Insurance Co. Ltd
8 Canara HSBC Life Insurance Co. Ltd 9 Kotak Mahindra General Insurance Co. Ltd
10 Kshema General Insurance Co. Limited
9 CreditAccess Life Insurance Ltd
11 Liberty General Insurance Ltd
10 Edelweiss Tokio Life Insurance Co. Ltd
12 Magma HDI General Insurance Co. Ltd
11 Future Generali India Life Insurance Co. Ltd 13 NAVI General Insurance Ltd
12 Go Digit Life Insurance Co. Ltd 14 Raheja QBE General Insurance Co. Ltd
15 Reliance General Insurance Co. Ltd
13 HDFC Life Insurance Co. Ltd
16 Royal Sundaram General Insurance Co. Ltd
14 ICICI Prudential Life Insurance Co. Ltd
17 SBI General General insurance Co. Ltd
15 IndiaFirst Life Insurance Co. Ltd 18 Shriram General General Insurance Co. Ltd
16 Kotak Mahindra Life Insurance Co. Ltd 19 TATA AIG General Insurance Co. Ltd
20 Universal Sompo General Insurance Co. Ltd
17 Max Life Insurance Co. Ltd
21 Zuno General Insurance Co. Ltd.
18 PNB MetLife India Insurance Co. Ltd
SPECIALISED INSURERS (Public Sector)
19 Pramerica Life Insurance Co. Ltd
1 Export Credit Guarantee Corporation of India Ltd.
20 Reliance Nippon Life Insurance Co. Ltd
2 Agriculture Insurance Company of India Ltd
21 Sahara India Life Insurance Co. Ltd
22 SBI Life Insurance Co. Ltd STANDALONE HEALTH INSURERS
23 Shriram Life Insurance Co. Ltd (PRIVATE SECTOR)
1 Aditya Birla Health Insurance Co. Ltd.
24 Star Union Dai-ichi Life Insurance Co. Ltd
2 Care Health Insurance Ltd.
25 Tata AIA Life Insurance Co. Ltd
3 Galaxy Health and Allied Insurance Co. Ltd.
4 Manipal Cigna Health Insurance Co. Ltd.
5 Narayana Health Insurance Ltd.
6 Niva Bupa Health Insurance Co. Ltd.
7 Reliance Health Insurance Ltd.$
8 Star Health and Allied Insurance Co. Ltd.
“Life insurance business of Sahara India Life Insurance Company Ltd (SILIC) is transferred to SBI Life Insurance Company
Ltd (SBI Life) by IRDAI vide its Order dt. 2.6.2023"
The Authority vide order ref. No. IRDA/F&A/ORD/SOLP/200/11/2019 dated 06th November, 2019 issued directions to the
Reliance Health InsuranceLtd. to stop selling new policies.
Annual Report 2023-24 161Contd.... Annexure 1
LIST OF REGISTERED INSURERS/REINSURERS OPERATING IN INDIA
(As on 31st March 2024)
Reinsurers
Public Sector Private Sector
1 General Insurance Foreign Reinsurers' Branches
Corporation of India (GIC Re) 1 Allianz Global Corporate & Specialty SE, India
2 Axa France Vie-India Reinsurance Branch
3 General Reinsurance AG-India Branch
4 Hannover Ruck SE-India Branch
5 Munchener Ruckversicherungs-Gesellschaft
Aktiengesellschaft-India Branch
6 RGA Life Reinsurance Company of
Canada-India Branch
7 Scor SE-India Branch
8 Swiss Reinsurance Company Ltd. India Branch
9 XL Insurance Company SE,
India Reinsurance Branch
10 Factory Mutual Insurance Company,
India Branch
Lloyd's
1 Lloyd's India Reinsurance Branch
i. Markel Services India Private Limited
162 Annual Report 2023-24Annexure 2(i)
MEMBERS’ SHARE IN INDIAN MARKET TERRORISM RISK INSURANCE POOL
(````` Crore)
S.No Member Company 2022-23 2023-24
Per risk Share Per risk Share
Capacity (in %) Capacity (in %)
1 General Insurance Corporation of India 333.69 16.68% 333.69 16.68%
2 The New India Assurance Co. Ltd. 333.69 16.68% 333.69 16.68%
3 United India Insurance Co. Ltd. 250.05 12.50% 250.05 12.50%
4 The Oriental Insurance Co. Ltd. 238.31 11.92% 238.31 11.92%
5 ICICI Lombard General Insurance Co. Ltd. 180.84 9.04% 180.84 9.04%
6 Bajaj Allianz General Insurance Co. Ltd. 106.28 5.31% 106.28 5.31%
7 IFFCO-Tokio General Insurance Co. Ltd. 78.64 3.93% 78.64 3.93%
8 Reliance General Insurance Co. Ltd. 39.72 1.99% 39.72 1.99%
9 Cholamandalam General Insurance Co. Ltd. 39.06 1.95% 39.06 1.95%
10 Tata-AIG General Insurance Co. Ltd. 31.46 1.57% 31.46 1.57%
11 Future Generali General Insurance Co. Ltd. 28.16 1.41% 28.16 1.41%
12 Royal Sundaram Insurance Co. Ltd. 27.72 1.39% 27.72 1.39%
13 Liberty General Insurance Co. Ltd. 20.81 1.04% 20.81 1.04%
14 National Insurance Co. Ltd. 167.62 8.38% 167.62 8.38%
15 Govt. Insurance Fund, Gujarat 20 1.00% 20 1.00%
16 Shriram General Insurance Co. Ltd. 20 1.00% 20 1.00%
17 SBI General Insurance Co. Ltd. 15.62 0.78% 15.62 0.78%
18 HDFC Ergo General Insurance Co. Ltd. 15 0.75% 15 0.75%
19 Magma HDI General Insurance Co. Ltd. 10.32 0.52% 10.32 0.52%
20 Kotak Mahindra General Insurance Co. Ltd. 10 0.50% 10 0.50%
21 Universal Sompo General Insurance Co. Ltd. 10 0.50% 10 0.50%
22 Raheja QBE General Insurance Co. Ltd. 1 0.05% 1 0.05%
23 Go Digit General Insurance Ltd. 10 0.50% 10 0.50%
24 Navi General Insurance Co. Ltd. 2 0.10% 2 0.10%
25 Zuno General Insurance Co. Ltd. 10 0.50% 10 0.50%
Total 2000 100.00% 2000 100.00%
Annual Report 2023-24 163Annexure 2(ii)
MEMBERS SHARE IN INDIAN NUCLEAR INSURANCE POOL
(````` Crore)
S.No Member Company 2022-23 2023-24
Per risk Share Per risk Share
Capacity (in %) Capacity (in %)
1 General Insurance Corporation of India 600 40.00% 600 40.00%
2 New India Assurance Company Ltd. 300 20.00% 300 20.00%
3 United India Insurance Company Ltd. 200 13.33% 200 13.33%
4 Oriental Insurance Company Ltd. 100 6.67% 100 6.67%
5 National Insurance Company India 100 6.67% 100 6.67%
6 ICICI Lombard General Insurance Company 100 6.67% 100 6.67%
7 Reliance General Insurance Company Ltd. 20 1.33% 20 1.33%
8 Tata AIG General Insurance Company Ltd. 20 1.33% 20 1.33%
9 IFFCO Tokio General Insurance Company Ltd. 20 1.33% 20 1.33%
10 Cholamandalam General Insurance Company Ltd. 15 1.00% 15 1.00%
11 SBI General Insurance Company Ltd. 15 1.00% 15 1.00%
12 Universal Sompo General Insurance Company Ltd. 10 0.67% 10 0.67%
Total 1500 100.00% 1500 100.00%
164 Annual Report 2023-24Annexure 2(iii)
MEMBERS SHARE IN MARINE CARGO EXCLUDED TERRITORIES POOL
(````` Crore)
S.No Member Company 2022-23 2023-24
Per risk Share Per risk Share
Capacity (in %) Capacity (in %)
1 General Insurance Corporation of India 250 51.57% 250 52.21%
2 National Insurance Company India Ltd. 30 6.19% 30 6.27%
3 New India Assurance Company Ltd. 40 8.25% 40 8.35%
4 Oriental Insurance Company Ltd. 30 6.19% 30 6.27%
5 United India Insurance Company 20 4.13% 20 4.18%
6 Bajaj Allianz General Insurance Co. Ltd. 2.5 0.52% 2.5 0.52%
7 Cholamandalam General Insurance Company Ltd. 1 0.21% 1 0.21%
8 Zuno General Insurance Co. Ltd. 0.3 0.06% 0.3 0.06%
9 Go Digit General Insurance Ltd. 3 0.62% 5 1.04%
10 HDFC Ergo General Insurance Co. Ltd. 6 1.24% 6 1.25%
11 ICICI Lombard General Insurance Company 30 6.19% 30 6.27%
12 IFFCO Tokio General Insurance Company Ltd. 8 1.65% 8 1.67%
13 Kotak Mahindra General Insurance Co. Ltd. 1 0.21% 1 0.21%
14 Magma HDI General Insurance Co. Ltd. 5 1.03% 5 1.04%
15 Reliance General Insurance Company Ltd. 8 1.65% 8 1.67%
16 Royal Sundaram Insurance Co. Ltd. 4 0.83% 4 0.84%
17 SBI General Insurance Company Ltd. 5 1.03% 5 1.04%
18 Shriram General Insurance Co. Ltd. 1 0.21% 1 0.21%
19 Tata AIG General Insurance Company Ltd. 30 6.19% 30 6.27%
20 Universal Sompo General Insurance Company Ltd. 2 0.41% 2 0.42%
21 Future Generali General Insurance Co. Ltd. 8 1.65% 0 0.00%
Grand Total 484.8 100.00% 478.8 100.00%
Annual Report 2023-24 165Annexure 3
MOTOR THIRD PARTY INSURANCE MARKET SHARE OF GENERAL INSURER
in the FY 2023-24
S.No Insurer GDP(in Rs Cr) Market share
1 Acko General 519.23 0.95%
2 Bajaj Allianz 3148.67 5.78%
3 Chola MS 2946.01 5.41%
4 Future Generalli 939.97 1.73%
5 Go Digit 3513.76 6.45%
6 HDFC Ergo 2645.42 4.86%
7 ICICI Lombard 4893.94 8.99%
8 IFFCO Tokio 2206.61 4.05%
9 Kotak Mahindra 323.74 0.59%
10 Kshema General 0.00 0.00%
11 Liberty General 638.26 1.17%
12 Magma HDI 1488.45 2.73%
13 NAVI General 15.47 0.03%
14 Raheja QBE 135.38 0.25%
15 Reliance General 2565.70 4.71%
16 Royal Sundaram 1600.24 2.94%
17 SBI General 1893.48 3.48%
18 Shriram General 2156.97 3.96%
19 Tata AIG 4085.28 7.50%
20 Universal Sompo 1179.28 2.17%
21 Zuno General 188.72 0.35%
22 National 3432.36 6.30%
23 The NewIndia 5993.39 11.01%
24 The Oriental 2958.66 5.43%
25 United India 4986.75 9.16%
Grand total 54455.74 100%
NOTE:
Motor Third Party Insurance Market Share Minimum percentage increase in number
of general insurer in the last financial year of Good Carrying, Passenger carrying Vehicles
and Tractors (Miscellaneous segment) over last
financial year separately for each catgory
Upto 2% 12.5%
2% - 5% 10%
5% - 10% 7.5%
More than 10% 5%
Every insurer shall underwrite a minimum of 5000 goods carrying vehicles, 5000 passenger carrying vehicles and 1,000
tractors (miscellaneous segments) in the first financial year following notification of Regulations
166 Annual Report 2023-24Annexure 4
CIRCULARS / ORDERS / GUIDELINES / INSTRUCTIONS ISSUED FROM
1st April, 2023 to 31st March, 2024
Sl No Reference No. Department Date Notification Type Subject
1 IRDAI/F&I/CIR/EOM/84/4/2023 FINANCE AND 5-Apr-23 CIRCULAR IRDAI (Expenses of Management of
INVESTMENT insurers transacting Life Insurance
business) Regulations 2023 -
Clarifications
2 IRDAI/IID/CIR/MISC/86/4/2023 INSURANCE INCLUSION 19-Apr-23 CIRCULAR Circular on WMD & UAPA nodal officer
AND DEVELOPMENT
3 IRDAI/F&I/CIR/RIC/90/4/2023 FINANCE AND 24-Apr-23 CIRCULAR Master Circular on Registration of
INVESTMENT Indian Insurance Company, 2023
4 IRDAI/LIFE/CIR/MISC/99/5/2023 LIFE 3-May-23 CIRCULAR Instructions to stop the facility of
re-payment of loan taken against the
insurance policy through Credit Card
5 IRDAI/HLT/CIR/PRO/01/05/2023 HEALTH 10-May-23 CIRCULAR Surrogacy Act 2021 and ART Act 2021
and the relevant Rules thereunder
6 IRDAI/NL/CIR/SIC/104/5/2023 NON-LIFE 15-May-23 CIRCULAR Modification of Surety Insurance
Guidelines
7 IRDAI/INT/CIR/MISC/108/5/2023 INTERMEDEIARY 19-May-23 CIRCULAR Dedicated email IDs as single Point(s)
of correspondence for the applicants
seeking NOC, CoR OR for other
related communication
8 IRDAI/F&I/CIR/INV/121/6/2023 FINANCE AND 5-Jun-23 CIRCULAR Investments in National Bank for
INVESTMENT Financing Infrastructure and
Development.
9 IRDAI/NL/CIR/GDL/122/6/2023 NON-LIFE 5-Jun-23 CIRCULAR circular on settlement of claims due
to Train accident, Balasore June 2023
10 IRDAI/HLT/CIR/MISC/123/6/2023 HEALTH 8-Jun-23 CIRCULAR Circular on Creation of facility to capture
ABHA number of proposers
11 IRDAI/HLT/CIR/MISC/124/6/2023 HEALTH 8-Jun-23 CIRCULAR Testing and adoption of Health Claims
Exchange (HCX) Specifications and
e-claim standards
12 IRDAI/INT/CIR/MISC/129/6/2023 INTERMEDEIARY 13-Jun-23 CIRCULAR Repealing of redundant
Circulars_Guidelines_Clarifications etc
13 IRDAI/NL/CIR/MISC/133/6/2023 NON-LIFE 16-Jun-23 CIRCULAR Insurance claims relating to
Cyclone Biparjoy
14 IRDAI/ACTL/CIR/PRO/135/6/2023 ACTUARIAL 19-Jun-23 CIRCULAR Use and File Procedure for Life
Insurance Products
15 IRDAI/LIFE/CIR/PRO/138/6/2023 LIFE 26-Jun-23 CIRCULAR Surrogacy Act, 2021 and ART Act, 2021
and the relevant Rules thereunder
16 IRDAI/F&I/CIR/INV/139/6/2023 FINANCE AND 27-Jun-23 CIRCULAR Monitoring of Investments
INVESTMENT in Alternative Investment Fund (AIF)
17 IRDAI/NL/PNT/MISC/140/6/2023 NON-LIFE 28-Jun-23 PUBLIC NOTICE Caution to General Public on Bhartiyta
Cooperative General Insurance Limited
Annual Report 2023-24 167Cont... Annexure 4
CIRCULARS / ORDERS / GUIDELINES / INSTRUCTIONS ISSUED FROM
1st April, 2023 to 31st March, 2024
Sl No Reference No. Department Date Notification Type Subject
18 IRDAI/NL/CIR/MISC/146/7/2023 NON-LIFE 17-Jul-23 CIRCULAR Insurance claims relating to Floods in
Himachal, Punjab, Haryana and Delhi regions
19 IRDAI/F&I/CIR/INV/155/8/2023 FINANCE AND 4-Aug-23 CIRCULAR Relaxation for insurers’
INVESTMENT investments in HDFC Ltd. post merger
with HDFC Bank Ltd
20 IRDAI/RBC/CIR/MM/158/8/2023 RISK BASED 9-Aug-23 CIRCULAR Technical Guidance in
CAPITAL (RBC) respect of Indian Risk Based Capital
Framework - Quantitative Impact Study
21 IRDAI/NL/PNT/MISC/160/8/2023 NON-LIFE 22-Aug-23 PUBLIC NOTICE Caution to General Public on un-registered
entity by name Surety Seven Providing
Surety Insurance
22 IRDAI/NL/CIR/MISC/161/8/2023 NON-LIFE 24-Aug-23 CIRCULAR Insurance claims relating to Floods
in Himachal Pradesh
23 IRDAI/PP&GR/CIR/MISC/164/8/2023 POLICYHOLDERS' 15-Sep-23 CIRCULAR Directions from TRAI for curbing the
PROTECTION AND menace of Unsolicited
GRIEVANCE REDRESSAL Commercial Communication
24 IRDAI/ACTL/CIR/PRO/166/8/2023 ACTUARIAL 31-Aug-23 CIRCULAR Modifications permitted to withdrawn
products of life insurers
25 IRDAI/LIFE/CIR/GDL/174/10/2023 Life 9-Oct-23 GUIDELINES IRDAI Bima Vahak Guidelines, 2023
26 IRDAI/IID/CIR/MISC/175/10/2023 INSURANCE INCLUSION 9-Oct-23 CIRCULAR Amendment to Circular on Procedure for
AND DEVELOPMENT Implementation of Section 12A of
WMD Act, 2005
27 IRDAI/NL/CIR/GDL/176/10/2023 NON-LIFE 9-Oct-23 CIRCULAR Trade Credit Insurance Guidelines,
2021-Modification to guideline 5.3A -
allowing reverse factoring on
TReDS platform
28 IRDAI/IID/GDL/MISC/177/10/2023 INSURANCE 10-Oct-23 GUIDELINES Amendment to Master Guidelines on
INCLUSION AND Anti-Money Laundering _ Counter
DEVELOPMENT Financing of Terrorism (AML_CFT) 2022
29 IRDAI/NL/CIR/MOTOR/178/10/2023 NON-LIFE 13-Oct-23 CIRCULAR Mandating of coverage, payment of
premium under IMT-29 compulsory as an
inbuilt coverage in a private car policy
30 IRDAI/LGL/ORD/CMT/187/10/2023 LEGAL 25-Oct-23 ORDER Committee for Plain Language for
Policy Wordings
31 IRDAI/NL/CIR/MISC/188/10/2023 NON-LIFE 27-Oct-23 CIRCULAR Amendment of Arbitration Clause in
General Insurance policies
32 IRDAI/PP&GR/ORD/CMT/189/10/2023 POLICYHOLDERS' 27-Oct-23 ORDER Taskforce on Bancassurance Channel
PROTECTION AND
GRIEVANCE REDRESSAL
33 IRDAI/HLT/CIR/MISC/190/10/2023 HEALTH 30-Oct-23 CIRCULAR Revision of Customer Information Sheet
34 IRDAI/I&AT/CIR/MISC/194/11/2023 INSURTECH AND 3-Nov-23 CIRCULAR Participation in Account Aggregator
ALLIED TECHNOLOGIES Framework as Financial Information User
168 Annual Report 2023-24Cont... Annexure 4
CIRCULARS / ORDERS / GUIDELINES / INSTRUCTIONS ISSUED FROM
1st April, 2023 to 31st March, 2024
Sl No Reference No. Department Date Notification Type Subject
35 IRDAI/NL/ORD/DTF/196/11/2023 NON-LIFE 3-Nov-23 ORDER Constitution of the Task Force to
suggest applicable framework post
De-Tariffication of erstwhile tariffs
36 IRDAI/INT/CIR/IB /206/11/2023 INTERMEDEIARY 24-Nov-23 CIRCULAR Discontinuation of filing of certain
returns by insurers and insurance brokers
37 IRDAI/NL/CIR/MISC/215/12/2023 NON-LIFE 11-Dec-23 CIRCULAR Insurance Claims relating to
Cyclone Michaung
38 IRDAI/NL/CIR/MISC/216/12/2023 NON-LIFE 18-Dec-23 CIRCULAR Insurance Claims relating to Cyclone
Michaung and subsequent heavy rains/floods
39 IRDAI/NL/CIR/MOTOR/2/1/2024 NON-LIFE 5-Jan-24 CIRCULAR Compliance with MoRTH notification in
view of Motor Vehicles
(Amendment) Act,2019
40 IRDAI/F&I/CIR/INV/3/1/2024 FINANCE AND 5-Jan-24 CIRCULAR Investments in
INVESTMENT Infrastructure Dept Funds-NBFC
41 IRDAI/REIN/CIR/RISF/4/1/2024 REINSURANCE 5-Jan-24 CIRCULAR Submission of advance reinsurance
program
42 IRDAI/HLT/CIR/GDL/31/1/2024 HEALTH 31-Jan-24 CIRCULAR Guidelines on providing AYUSH
coverage in Health Insurance Policies
43 IRDAI/HLT/CIR/PRO/32/1/2024 HEALTH 31-Jan-24 CIRCULAR Modification in products for PWD,
HIV/ AIDS and with mental issues
44 IRDAI/IFRS/ORD/CMT/40/2/2024 IFRS/IND AS 16-Feb-24 order Re-Constitution of Expert Committee
on Implementation of Ind AS/ IFRS in
Insurance sector
45 IRDAI/LIFE/CIR/MISC/41/2/2024 LIFE 16-Feb-24 CIRCULAR Modifications to the Mater Circular on
Unclaimed Amounts of Policyholders
dated 17th November 2020
46 IRDAI/INT/ORD/MISC/47/2/2024 INTERMEDEIARY 29-Feb-24 ORDER Appointment of Election Officer to
conduct 14th Council Election of IISLA
47 IRDAI/PP&GR/CIR/MISC/55/3/2024 POLICYHOLDERS' 28-Mar-24 CIRCULAR Servicing to the policyholders -
PROTECTION AND special measure for the current
GRIEVANCE FY 2023-24
REDRESSAL
Annual Report 2023-24 169Annexure 5
REGULATIONS FRAMED UNDER THE INSURANCE ACT, 1938 AND IRDA ACT, 1999
UP TO MARCH 31, 2024
S.NO Name of the Regulation
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
170 Annual Report 2023-24Cont... Annexure 5
REGULATIONS FRAMED UNDER THE INSURANCE ACT, 1938 AND IRDA ACT, 1999
UP TO MARCH 31, 2024
S.NO Name of the Regulation
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
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
Annual Report 2023-24 171Cont... Annexure 5
REGULATIONS FRAMED UNDER THE INSURANCE ACT, 1938 AND IRDA ACT, 1999
UP TO MARCH 31, 2024
S.NO Name of the Regulation
71 IRDA IAC (Meetings) (Second Amendment) Regulations, 2013
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, 2015
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
172 Annual Report 2023-24Cont... Annexure 5
REGULATIONS FRAMED UNDER THE INSURANCE ACT, 1938 AND IRDA ACT, 1999
UP TO MARCH 31, 2024
S.NO Name of the Regulation
102 IRDAI (Lloyd’s India) Regulations, 2016
103 IRDAI (TPA- Health Services) Regulations, 2016
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
131 IRDAI (Re-Insurance ) Regulations, 2018
132 IRDAI ( Insurance Brokers) (First Amendment) Regulations, 2018
133 IRDAI (Appointed Actuary) (Amendment) Regulations, 2019
Annual Report 2023-24 173Cont... Annexure 5
REGULATIONS FRAMED UNDER THE INSURANCE ACT, 1938 AND IRDA ACT, 1999
UP TO MARCH 31, 2024
S.NO Name of the Regulation
134 IRDAI (Unit Linked Insurance Products) Regulations, 2019
135 IRDAI (Non-Linked Insurance Products) Regulations, 2019
136 IRDAI (Registration of Insurance Marketing Firm) (Amendment) Regulations, 2019
137 IRDAI (Re-insurance Advisory Committee) Regulations, 2019
138 IRDAI (Regulatory Sandbox) Regulations, 2019
139 IRDAI (Common Public Services Centers) Regulations, 2019
140 IRDAI (Insurance Intermediaries) (Amendment) Regulations, 2019
141 IRDAI (Health Insurance) (Amendment) Regulations, 2019
142 IRDAI (Third Party Administrators - Health Services) (Amendment) Regulations, 2019
143 IRDAI (Minimum Information Required for Investigation and Inspection) Regulations, 2020
144 IRDAI (Insurance Surveyors and Loss Assessors) (Amendment) Regulations, 2020
145 IRDAI (Regulatory Sandbox) (Amendment) Regulations, 2021
146 IRDAI (Insurance Advertisements and Disclosure) Regulations, 2021
147 IRDAI (Manner of Assessment of Compensation to Shareholders or Members on Amalgamation) Regulations, 2021
148 IRDAI (Preparation of Financial Statements and Auditor’s Report of Insurance Companies)
(First Amendment) Regulations, 2021
149 IRDAI (Indian Insurance Companies) (Amendment) Regulations, 2021
150 IRDAI(Actuarial Report and Abstract for Life Insurance Business) (Amendment) Regulations, 2022
151 IRDAI(Appointed Actuary) Regulations 2022
152 IRDAI(Assets Liabilities and Solvency Margin of General Insurance Business) Regulations 2022
153 IRDAI (Other Forms of Capital) Regulations
154 IRDAI(Regulatory Sandbox) (Amendment) Regulations 2022
155 IRDAI (Registration of Indian Insurance Companies) Regulations, 2022
156 IRDAI (Insurance Intermediaries) (Amendment) Regulations, 2022
157 IRDAI(Expenses of Management of Insurers transacting General or Health Insurance business) Regulations, 2023
158 IRDAI (Expenses of Management of Insurers transacting life insurance business) Regulations, 2023
159 IRDAI (Payment of Commission) Regulations, 2023
160 IRDAI (Re-insurance) (Amendment) Regulations, 2023
161 IRDAI (Expenses of Management, including Commission, of Insurers) Regulations, 2024
162 IRDAI (Rural, Social Sector and Motor Third Party Obligations ) Regulations, 2024
163 IRDAI (Bima Sugam - Insurance Electronic Marketplace) Regulations, 2024
164 IRDAI (Registration, Capital Structure, Transfer of Shares and Amalgamation of Insurers) Regulations, 2024
165 IRDAI (Corporate Governance for Insurers) Regulations, 2024
166 IRDAI (Insurance Products) Regulations, 2024
167 IRDAI (Registration and Operations of Foreign Reinsurers Branches & Lloyd’s India) Regulations, 2024
168 IRDAI (Actuarial, Finance and Investment Functions of Insurers) Regulations, 2024
169 IRDAI (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024
Note: Notified in the Gazette of India
^^ status as on 31st March, 2024
174 Annual Report 2023-24Annexure 6
LIST OF MICRO INSURANCE PRODUCTS OFFERED BY LIFE INSURERS
(As at 31st March, 2024)
SL.No. Insurer Individual Micro Product Group Micro Product
1 Life Insurance Corporation of India LIC'S BHAGYA LAKSHMI LIC's One Year Renewable Group Micro
LIC'S New Jeevan Mangal Term Assurance Plan
LIC'S MICRO BACHAT
2 Acko Life Insurance Co. Ltd. Acko Life Group Credit Protect
3 Aditya Birla Sunlife Insurance Co. Ltd. ABSLI Group Bima Yojana
4 Bandhan Life Insurance Co. Ltd. Aegon Life Group Micro Insurance Plan
Aegon Life Group Care Micro Insurance Plan
5 Ageas Federal Life Insurance Co. Ltd. Ageas Federal Group Microsurance Plan II
6 Aviva Life Insurance Co. India Ltd. Aviva Group Micro Insurance Plan
7 Bajaj Allianz Life Insurance Co. Ltd. Bajaj Allianz Life Group Sampoorna Jeevan Suraksha
Bajaj Allianz Life Group Sampoorna Suraksha Kavach
8 Bharti AXA Life Insurance Co. Ltd. Bharti AXA Life Grameen Jeevan Bima Bharti AXA Life Group Term Micro Insurance Plan
9 Canara HSBC Life Insurance Co. Ltd. Canara HSBC Life Insurance Sampoorna Kavach Plan
10 CreditAccess Life Insurance Co. Ltd. CreditAccess Sanrakshan Sukshm CreditAccess Raksha Kavach Sukshm
CreditAccess Suraksha Sukshm
CreditAccess Nitya Sanchay (Micro-Insurance Product)
CreditAccess Group Sanrakshan Sukshm
11 Edelweiss Tokio Life Insurance Co. Ltd. Edelweiss Life – Raksha Kavach Edelweiss Life – Gramin Bima
Edelweiss Life – Jan Suraksha
12 Go Digit Life Insurance Co. Ltd. Digit Life Group Micro Term Insurance
13 HDFC Life Insurance Co. Ltd. HDFC Life Group Jeevan Suraksha
HDFC Life Group Suraksha
HDFC Life Group Micro Term Insurance
14 ICICI Prudential Life Insurance Co. Ltd. ICICI Pru Sarv Jana Suraksha ICICI Pru Shubh Raksha Credit
ICICI Pru Anmol Bachat ICICI Pru Shubh Raksha One
ICICI Pru Shubh Raksha Life
15 IndiaFirst Life Insurance Co. Ltd. IndiaFirst Life Micro Bachat Plan IndiaFirst Life Group HospiCare Plan
IndiaFirst Life "INSURANCE KHATA" Plan IndiaFirst Life Group Micro Insurance Plan
16 Kotak Mahindra Life Insurance Ltd. Kotak Sampoorn Bima Micro-Insurance Plan Kotak Raksha Group Micro Insurance Plan
17 MaxLife Insurance Co. Ltd. Max Life Group Saral Suraksha Plan (Micro Insurance
Product)
18 PNB Metlife India Insurance Co. Ltd. PNB MetLife Bima Yojana
19 Pramerica Life Insurance Co. Ltd. Pramerica Life Sampoorna Suraksha
Pramerica Life Sarv Jan Suraksha
Pramerica Life Sarv Suraksha
20 SBI Life Insurance Co. Ltd. SBI Life - Grameen Bima SBI Life - Grameen Super Suraksha
SBI Life - Group Micro Shield - SP
SBI Life - Group Micro Shield
21 Shriram Life Insurance Co. Ltd. Shriram Grameena Suraksha Shriram Jan Sahay
Shriram Life Sujana
22 TATA AIA Life Insurance Co. Ltd. Tata AIA life insurance Saath Saath Tata AIA Life Insurance Grouo Micro Raksha Supreme
Tata AIA Life insurance POS Saath Saath
Tata AIA Bharat Suraksha Cover
Micro Insurance Plan
Annual Report 2023-24 175Annexure 7
NUMBER OF PRODUCTS AND RIDERS
DURING 2023-24
S. Name of Insurer No. of Products / Riders S. Name of Insurer No. of Products
No. File & Use Use & File No. and Additions
1 Life Insurance Corporation of India 4 9 Gen. Ins. Health Ins.
2 Acko Life Insurance Limited 0 6 PUBLIC SECTOR
1 National Insurance Co. Ltd 28 8
3 Aditya Birla Sun Life Insurance Co. Ltd. 3 33
2 The New India Assurance Co. Ltd 63 11
4 Bandhan Life Insurance Co. Ltd 1 5
3 The Oriental Insurance Co. Ltd 10 2
5 Ageas Federal Life Insurance Co. Ltd. 3 11
4 United India Insurance Co. Ltd 22 3
6 Aviva Life Insurance Co. India Ltd. 1 22
PRIVATE SECTOR
7 Bajaj Allianz Life Insurance Co. Ltd. 5 60
1 Acko General Insurance Co. Ltd 11 3
8 Bharti AXA Life Insurance Co. Ltd. 2 4
2 Bajaj Allianz General Ins. Co. Ltd 10 12
9 Canara HSBC Life Insurance Co. Ltd. 2 9
3 Cholamandalam MS Gen. Ins. Co. Ltd 79 5
10 CreditAccess Life Insurance Limited 1 7
4 Future Generali India Ins. Co. Ltd 53 7
11 Edelweiss Tokio Life Insurance Co. Ltd. 3 34
5 Go Digit General Insurance Co. Ltd 38 9
12 Future Generali India Life Ins. Co. Ltd. 1 6 6 HDFC ERGO General Ins. Co. Ltd 20 8
13 Go Digit Life Insurance Limited 1 4 7 ICICI Lombard General Ins. Co. Ltd 24 8
14 HDFC Life Insurance Co. Limited 2 58 8 IFFCO Tokio General Ins. Co. Ltd 33 6
15 ICICI Prudential Life Insurance Co. Ltd. 3 49 9 Kotak Mahindra General Ins. Co. Ltd 9 6
16 IndiaFirst Life Insurance Co. Ltd. 2 17 10 Kshema General Insurance Co. Limited 15 0
17 Kotak Mahindra Life Insurance Co. Ltd 1 61 11 Liberty General Insurance Ltd 4 4
18 Max Life Insurance Co. Ltd. 4 32 12 Magma HDI General Insurance Co. Ltd 9 1
13 NAVI General Ins. Ltd - 2
19 PNB MetLife India Insurance Co. Ltd. 0 13
14 Raheja QBE General Insurance Co. Ltd 5 1
20 Pramerica Life Insurance Limited 4 10
15 Reliance General Insurance Co. Ltd 1 1
21 Reliance Nippon Life Insurance Co. Ltd 1 3
16 Royal Sundaram General Ins. Co. Ltd 17 15
22 SBI Life Insurance Co. Ltd. 0 16
17 SBI General General insurance Co. Ltd 22 5
23 Shriram Life Insurance Co. Ltd. 1 11
18 Shriram General General Ins. Co. Ltd 6 19
24 Star Union Dai-ichi Life Ins. Co. Ltd. 3 16
19 TATA AIG General Insurance Co. Ltd 23 11
25 Tata AIA Life Insurance Co. Ltd. 3 77
20 Universal Sompo General Ins. Co. Ltd 153 7
Total 51 573
21 Zuno General Insurance Co. Ltd 6 0
SPECIALISED INSURERS (Public Sector)
1 Agriculture Insurance Co. of India Ltd 3 -
2 ECGC Ltd. - -
STANDALONE HEALTH INSURERS (PRIVATE SECTOR)
1 Aditya Birla Health Insurance Co. Ltd. - 5
2 Care Health Insurance Co. Ltd - 7
3 Galaxy Health and Allied Ins. Co. Ltd. - -
4 Manipal Cigna Health Ins. Co. Ltd. - 4
5 Narayana Health Insurance Co. Ltd - -
6 Niva Bupa Health Insurance Co. Ltd. - 11
7 Star Health and Allied Ins. Co. Ltd. - 2
Total 664 183
176 Annual Report 2023-24Annexure 8
FEE STRUCTURE FOR INSURERS AND INTERMEDIARIES AND FEES COLLECTED
IN 2023-24
S. Insurer Processing Registration Renewal Fee Periodicity of Total Fee
No. Fee Fee (`) Renewal Collected (in `)
1 Life/General/Health - 5,00,000 1/20th of 1% of Gross Every year 2,05,60,98,764
Direct Premium written in (by January 31)
India subject to a minimum
of Rs 10,00,000 and
maximum of Rs 10 Crore
2 Reinsurer/FRBs - 5,00,000 1/20th of 1% of the total Every year
premium in respect of (by 31st January
facultative reinsurance for GIC Re)
accepted in India subject
to a minimum of Every year (by
Rs 10,00,000 and 31st December
maximum of Rs 10 Crore for FRBs)
3 Service Company - 50,000 50,000 "Every Year
of Lloyds (by December 31)"
4 Amalgamation and 1/10th of 1% of
transfer of Gross Direct
Gen. / Life insurance Premium written
business 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
5 Third Party 1,00,000 2,00,000 1,50,000 3 years 13,77,012
Administrator
6 Brokers-Direct 25,000 50,000* 1,00,000 3 years 4,24,79,043
Brokers-Reinsurance 50,000 1,50,000* 3,00,000 3 years
Brokers-Composite 75,000 2,50,000* 5,00,000 3 years
7 Surveyors and Loss Individual: `1000, i. Renewal Fee if application 3 years 35,98,629
Assessors (Individual Corporate: `5000 filed before 30 days from
and Corporate) - the date of expiry:
Individual- `1000
Corporate – `5000
ii. Renewal fee if renewal
application NOT filed 30 days
before the date of expiry:
Individual – `1100
Corporate – `5100
Annual Report 2023-24 177Cont... Annexure 8
FEE STRUCTURE FOR INSURERS AND INTERMEDIARIES AND FEES COLLECTED
IN 2023-24
S. Insurer Processing Registration Renewal Fee Periodicity of Total Fee
No. Fee Fee (`) Renewal Collected (in `)
iii. Renewal fee if renewal
application filed after the
date of expiry of license
but within six months from
the date of expiry of license:
Individual -`1750
Corporate -`5750"
8 Corporate Agents 10,000# i. CoR for the entity: CoR Renewal: `25000 3 Years 11,16,00,203
`25000 Renewal of Certificate to
ii. Certificate to the PO/SP/AV: `500
PO/SP/AV: `500"
9 Web Aggregators 10,000 25,000 25,000 3 Years 1,75,100
10 Common Public
Service Centre (CPSC) - 10,000 2,000 3 Years
11 Referrals - 10,000 10,000 3 Years 10,000
12 Insurance
Marketing Firm - 5,000 2,000 3 Years
13 Insurance
Repository 10,000 1,00,000 50,000 3 Years 8,96,325
14 ISNP(Insurance
Self-Network Platform) 0 10,000 - - 7,73,800
Total 2,21,70,08,876
* After grant of in-principle approval
# Non Refundable Fee
CoR- Certificate of Registration
PO- Principal Officer, SP- Specified Person & AV- Authorised Verifier
178 Annual Report 2023-24Annexure 9
PENALTIES LEVIED BY THE AUTHORITY DURING
FY 2023-24
Sl. Name of the Amount of Date of issuance Brief particulars of the
No entity Penalty of penalty order violation committed
1 Reliance General `2 crore 03-01-2024 i) Non-Life Insurer violated Clause-15 (5) (d)
Insurance Co. Ltd. of MISP Guidelines bearing Ref. No.
IRDAI/INT/GDL/MISP/202/08/2017 dated
31st October 2017 by making payments
other than the distribution fee to MISP
ii) Insurer violated the provisions of
Reg.12 (1) & (2) of IRDAI (Insurance
Surveyors and Loss Assessors)
Regulations, 2015 by appointing in-house
employees to assess the losses beyond
Rs. 50,000/- under Motor Insurance, who
did not possess the license issued by the
Authority.
2 Anmol Medicare `1 lakh 09-01-2024 TPA violated Clause-2 (s) of Schedule-II
TPA Pvt. Ltd. (Code of Conduct) under Regulation-23 of
IRDAI (TPA-Health Services) Regulations,
2016 by granting loan to individuals other
than its employees
Annual Report 2023-24 179Annexure 10 (i)
INDIAN ASSURED LIVES MORTALITY (IALM) – 2012-14 STANDARD RATES-
MALE INSURED LIVES THAT ARE MEDICALLY UNDERWRITTEN AT INCEPTION
Age qx (Graduated) Age qx (Graduated) Age qx (Graduated)
2 0.000915 40 0.00168 78 0.051024
3 0.00047 41 0.001815 79 0.056231
4 0.000271 42 0.001969 80 0.061985
5 0.000185 43 0.002144 81 0.068338
6 0.000152 44 0.002345 82 0.07535
7 0.000149 45 0.002579 83 0.083082
8 0.000167 46 0.002851 84 0.091601
9 0.000206 47 0.003168 85 0.100979
10 0.000265 48 0.003536 86 0.111291
11 0.000341 49 0.003958 87 0.122616
12 0.000429 50 0.004436 88 0.135037
13 0.000522 51 0.004969 89 0.148639
14 0.000614 52 0.00555 90 0.163507
15 0.000698 53 0.006174 91 0.179726
16 0.00077 54 0.006831 92 0.19738
17 0.000829 55 0.007513 93 0.216547
18 0.000874 56 0.008212 94 0.237302
19 0.000905 57 0.008925 95 0.259706
20 0.000924 58 0.009651 96 0.283813
21 0.000934 59 0.010393 97 0.309659
22 0.000937 60 0.011162 98 0.337265
23 0.000936 61 0.011969 99 0.36663
24 0.000933 62 0.012831 100 0.397733
25 0.000931 63 0.013765 101 0.430529
26 0.000931 64 0.014792 102 0.46495
27 0.000934 65 0.015932 103 0.500904
28 0.000942 66 0.017206 104 0.538278
29 0.000956 67 0.018635 105 0.576942
30 0.000977 68 0.02024 106 0.616752
31 0.001005 69 0.02204 107 0.657553
32 0.001042 70 0.024058 108 0.699191
33 0.001086 71 0.026314 109 0.741515
34 0.00114 72 0.028832 110 0.784383
35 0.001202 73 0.031638 111 0.827673
36 0.001275 74 0.034757 112 0.871285
37 0.001358 75 0.038221 113 0.915145
38 0.001453 76 0.042061 114 0.959214
39 0.00156 77 0.046316 115 1
Note:
1. Age as on Last Birthday
2. qx(Graduated) Rates are Graduated Mortality Rates
180 Annual Report 2023-24Annexure 10 (ii)
INDIAN INDIVIDUAL ANNUITANT’S MORTALITY TABLE (2012-15)
OVERALL / COMBINED MORTALITY RATES
[Within the meaning of Regulation 4 of IRDAI
(Assets, Liabilities and Solvency Margin of Life Insurance Business) Regulations, 2016]
Age Graduated Mortality Rates Age Graduated Mortality Rates
20 0.000284 68 0.013447
21 0.000305 69 0.01484
22 0.000328 70 0.016393
23 0.000353 71 0.018128
24 0.000379 72 0.020067
25 0.000407 73 0.022236
26 0.000438 74 0.024662
27 0.000471 75 0.027379
28 0.000507 76 0.030422
29 0.000545 77 0.03383
30 0.000586 78 0.037651
31 0.000631 79 0.041932
32 0.000679 80 0.04673
33 0.000731 81 0.052106
34 0.000787 82 0.058127
35 0.000847 83 0.064868
36 0.000913 84 0.07241
37 0.000984 85 0.08084
38 0.001061 86 0.090252
39 0.001144 87 0.100746
40 0.001234 88 0.112428
41 0.001332 89 0.125408
42 0.001438 90 0.139798
43 0.001553 91 0.155712
44 0.001679 92 0.17326
45 0.001815 93 0.192548
46 0.001964 94 0.213673
47 0.002125 95 0.236719
48 0.002302 96 0.261749
49 0.002495 97 0.288807
50 0.002705 98 0.317906
51 0.002936 99 0.349031
52 0.003188 100 0.382129
Annual Report 2023-24 181Cont... Annexure 10 (ii)
INDIAN INDIVIDUAL ANNUITANT’S MORTALITY TABLE (2012-15)
OVERALL / COMBINED MORTALITY RATES
Age Graduated Mortality Rates Age Graduated Mortality Rates
53 0.003464 101 0.417111
54 0.003768 102 0.453851
55 0.004101 103 0.49219
56 0.004468 104 0.531933
57 0.004871 105 0.572866
58 0.005316 106 0.614755
59 0.005807 107 0.657357
60 0.006349 108 0.700435
61 0.006948 109 0.743762
62 0.007612 110 0.787136
63 0.008347 111 0.830382
64 0.009163 112 0.873364
65 0.01007 113 0.915987
66 0.011077 114 0.958198
67 0.012198 115 0.99999
182 Annual Report 2023-24Annexure 11
TPA-WISE NETWORK AGREEMENTS
S. Name of As at Additions Withdrawal / As at
No. the TPA March 31, during Removal during March 31,
2023 2023-24 2023-24 2024
1 Anmol Medicare Insurance TPA Limited$ 612 29 0 641
2 AKNA Health Insurance TPA Private Limited 0 6118 0 6118
3 Volo Health Insurance TPA Pvt. Ltd
( Formerly East West Assist Ins. TPA Pvt. Ltd.) 7,435 4,761 2,887 9,309
4 Ericson Insurance TPA Private Limited 11,672 1,722 0 13,394
5 Family Health Plan Insurance TPA Limited 19,578 7,091 25 26,644
6 Genins India Insurance TPA Limited 5,817 1,917 88 7,646
7 Good Health Insurance TPA Limited 6,842 2,906 140 9,608
8 Health India Insurance TPA Services Pvt. Ltd. 12,608 3,640 328 15,920
9 Health Insurance TPA of India Limited 7,554 941 52 8,443
10 Heritage Health Insurance TPA Pvt. Ltd. 11,604 4,941 1,285 15,260
11 Link-K Insurance TPA Private Limited 0 12759 0 12759
12 MDIndia Health Insurance TPA Pvt. Ltd. 19,530 6,762 2,189 24,103
13 Medi Assist Insurance TPA Private Limited 14,301 5,451 447 19,305
14 Medsave Health Insurance TPA Limited 10,272 835 2,242 8,865
15 Paramount Health Services & Ins. TPA Pvt. Ltd. 22,257 3,106 248 25,115
16 Park Mediclaim Insurance TPA Private Limited 5,367 645 0 6,012
17 Raksha Health Insurance TPA Private Limited 9,834 2,904 169 12,569
18 Safeway Insurance TPA Private Limited 9,076 1,512 432 10,156
19 Medvantage Insurance TPA Pvt. Ltd.
(Formerly known as United Health Care
Parekh Insurance TPA Private Limited)# 4,875 0 0 0
20 Vidal Health Insurance TPA Private Limited 11,106 1,294 250 12,150
21 Vision Digital Insurance TPA Private Limited* 0 0 0 0
Total Network Hospitals** 1,90,340 69,334 10,782 2,44,017
Note: “A hospital may have Health Services Agreements with more than one TPA.
1. * This TPA is not active in the current FY, ** Hospitals may have tied up with more than one TPA.
2. $ The Renewal application of CoR of Anmol Medicare Insurance TPA Limited with Registration No. 27 was rejected vide order
dated 04.07.2024
3. # Medvantage Insurance TPA Private Limited (formerly known as United Health Care Parekh Insurance TPA Private Limited) is
merged with Medi Assist Insurance TPA Private Ltd. effective from 13th February,2024.
4. * The CoR of Vision Digital Insurance TPA Private Limited was lapsed by virtue of the time-period and IRDAI's order dated
04.10.2021 rejecting renewal application of the TPA has been stayed by the Hon'ble High Court of Delhi in WP(C) 10379/2021.
The matter is sub-judice.
Annual Report 2023-24 183
            

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