{"id":176966,"date":"2023-05-13T06:58:42","date_gmt":"2023-05-13T01:13:42","guid":{"rendered":"https:\/\/insurancekhabar.com\/?p=176966"},"modified":"2023-05-13T08:45:05","modified_gmt":"2023-05-13T03:00:05","slug":"%e0%a4%ac%e0%a5%80%e0%a4%ae%e0%a4%be%e0%a4%b2%e0%a5%87%e0%a4%96-%e0%a4%b8%e0%a4%ae%e0%a4%b0%e0%a5%8d%e0%a4%aa%e0%a4%a3-%e0%a4%ac%e0%a5%80%e0%a4%ae%e0%a4%95-%e0%a4%b0-%e0%a4%ac%e0%a5%80%e0%a4%ae","status":"publish","type":"post","link":"https:\/\/insurancekhabar.com\/%e0%a4%ac%e0%a5%80%e0%a4%ae%e0%a4%be%e0%a4%b2%e0%a5%87%e0%a4%96-%e0%a4%b8%e0%a4%ae%e0%a4%b0%e0%a5%8d%e0%a4%aa%e0%a4%a3-%e0%a4%ac%e0%a5%80%e0%a4%ae%e0%a4%95-%e0%a4%b0-%e0%a4%ac%e0%a5%80%e0%a4%ae\/","title":{"rendered":"\u092c\u0940\u092e\u093e\u0932\u0947\u0916 \u0938\u092e\u0930\u094d\u092a\u0923 : \u092c\u0940\u092e\u0915 \u0930 \u092c\u0940\u092e\u093f\u0924 \u0926\u0941\u092c\u0948 \u092a\u0915\u094d\u0937\u0932\u093e\u0908 \u0939\u093e\u0930 \u0939\u093e\u0930\u0915\u094b \u0905\u0935\u0938\u094d\u0925\u093e"},"content":{"rendered":"<p>\u0915\u093e\u0920\u092e\u093e\u0921\u094c\u0902 \u0964 \u091c\u0940\u0935\u0928 \u092c\u0940\u092e\u093e\u092e\u093e \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u092e\u093e \u092c\u0940\u092e\u093e\u0932\u0947\u0916 \u0938\u092e\u0930\u094d\u092a\u0923 \u0926\u0930\u0932\u0947 \u092c\u0940\u092e\u093f\u0924\u0915\u094b \u0938\u0928\u094d\u0924\u0941\u0937\u094d\u091f\u0940 \u0924\u0925\u093e \u092c\u0940\u092e\u093e \u0915\u092e\u094d\u092a\u0928\u0940\u0915\u094b \u091c\u094b\u0916\u093f\u092e\u093e\u0919\u094d\u0915\u0928 \u0915\u094d\u0937\u092e\u0924\u093e \u0926\u0941\u092c\u0948\u0932\u093e\u0908 \u0907\u0902\u0915\u093f\u0924 \u0917\u0930\u094d\u0926\u091b \u0924\u0938\u0930\u094d\u0925 \u092f\u094b \u0928\u093f\u0915\u0948 \u092e\u0939\u0924\u094d\u0935\u092a\u0941\u0930\u094d\u0923 \u0938\u0942\u091a\u0915 \u0939\u094b \u0964 \u091c\u0940\u0935\u0928 \u092c\u0940\u092e\u093e\u092e\u093e 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\u0939\u0941\u0928\u094d\u091b \u0964 \u0924\u094d\u092f\u0938\u0948\u0917\u0930\u0940 \u092c\u0940\u092e\u093e\u0932\u0947\u0916 \u0938\u092e\u0930\u094d\u092a\u0923 \u0939\u0941\u0926\u093e\u0901 \u0915\u092e\u094d\u092a\u0928\u0940\u0915\u094b \u0924\u0930\u0932\u0924\u093e \u0932\u0917\u093e\u092f\u0924\u0915\u093e \u0915\u0941\u0930\u093e\u0939\u0930\u0941\u092e\u093e \u0928\u0915\u093e\u0930\u093e\u0924\u094d\u092e\u0915 \u092a\u094d\u0930\u092d\u093e\u0935 \u092a\u0930\u094d\u0926\u091b \u0964 \u0924\u094d\u092f\u0938\u0948\u0932\u0947 \u092c\u0940\u092e\u093e\u0932\u0947\u0916 \u0938\u092e\u0930\u094d\u092a\u0923 \u090f\u0915 \u0915\u093f\u0938\u093f\u092e\u0932\u0947 \u0939\u093e\u0930 \u0939\u093e\u0930\u0915\u094b \u0905\u0935\u0938\u094d\u0925\u093e \u0939\u094b \u0964<\/p>\n<p><span style=\"color: #0000ff;\"><strong>\u092c\u0940\u092e\u093e\u0932\u0947\u0916 \u091c\u093e\u0930\u0940 \u092d\u090f\u092a\u091b\u093f \u0938\u092e\u0930\u094d\u092a\u0923 \u0939\u0941\u0926\u093e\u0901 \u0938\u092e\u094d\u092c\u0928\u094d\u0927\u093f\u0924 \u092c\u0940\u092e\u093f\u0924\u0932\u093e\u0908 \u0926\u0947\u0939\u093e\u092f \u092c\u092e\u094b\u091c\u093f\u092e \u0905\u0938\u0930\u0939\u0930\u0941 \u092a\u0930\u094d\u0926\u091b \u0964 \u00a0<\/strong><\/span><\/p>\n<ul>\n<li><strong><span style=\"color: #0000ff;\">\u0935\u093f\u0924\u094d\u0924\u093f\u092f \u0928\u094b\u0915\u094d\u0938\u093e\u0928\u0940 \u0939\u0941\u0928\u094d\u091b \u0964<\/span><\/strong><\/li>\n<\/ul>\n<p>\u0915\u093e\u0930\u0923 \u091c\u0947 \u0938\u0941\u0915\u0948 \u0939\u094b\u0938\u094d \u092c\u0940\u092e\u093f\u0924\u0932\u0947 \u092c\u0940\u092e\u093e\u0932\u0947\u0916 \u0938\u092e\u0930\u094d\u092a\u0923 \u0917\u0930\u094d\u0926\u093e \u0938\u093e\u092e\u093e\u0928\u094d\u092f\u0924\u093e \u092d\u0941\u0915\u094d\u0924\u093e\u0928\u0940 \u0917\u0930\u0947\u0915\u094b \u092c\u0940\u092e\u093e\u0936\u0941\u0932\u094d\u0915 \u092d\u0928\u094d\u0926\u093e \u0928\u093f\u0915\u0948 \u0915\u092e \u0938\u092e\u0930\u094d\u092a\u0923 \u092e\u0941\u0932\u094d\u092f \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0917\u0930\u094d\u0926\u091b \u0964 \u091c\u0938\u0932\u0947 \u0917\u0930\u094d\u0926\u093e \u092c\u0940\u092e\u093f\u0924\u0932\u093e\u0908 \u0935\u093f\u0924\u094d\u0924\u093f\u092f \u0928\u094b\u0915\u094d\u0938\u093e\u0928\u0940 \u0939\u0941\u0928\u094d\u091b \u0964 \u091c\u0938\u0932\u093e\u0908 \u0924\u0932\u0915\u094b \u0924\u093e\u0932\u093f\u0915\u093e\u092c\u093e\u091f \u0905\u091d \u0938\u094d\u092a\u0937\u094d\u091f \u092a\u093e\u0930\u094d\u0928 \u0938\u0915\u093f\u0928\u094d\u091b \u0964 \u0924\u093e\u0932\u093f\u0915\u093e\u092e\u093e \u0917\u0923\u0928\u093e \u092c\u0940\u092e\u093e\u0932\u0947\u0916 \u0905\u0935\u0927\u093f\u0903 \u0968\u0966 \u0935\u0930\u094d\u0937, \u092c\u0940\u092e\u093e\u0936\u0941\u0932\u094d\u0915\u0903 \u096b\u0966,\u0966\u0966\u0966\u0964 \u0935\u093e\u0930\u094d\u0937\u093f\u0915, \u00a0\u092c\u0940\u092e\u093e\u0919\u094d\u0915 \u0930\u0915\u092e\u0903 \u0967\u0966 \u0932\u093e\u0916 \u0924\u0925\u093e \u092c\u094b\u0928\u0938 \u0926\u0930 \u096b\u0966 \u092a\u094d\u0930\u0924\u093f \u0939\u091c\u093e\u0930 \u092e\u093e\u0928\u0947\u0930 \u0917\u0930\u093f\u090f\u0915\u094b \u091b \u0964<\/p>\n<p><span style=\"color: #0000ff;\"><strong>\u0924\u093e\u0932\u093f\u0915\u093e \u0928\u0902. \u0967<\/strong><\/span><\/p>\n<p><strong><span style=\"color: #0000ff;\">\u092c\u0940\u092e\u093e\u0932\u0947\u0916 \u0938\u092e\u0930\u094d\u092a\u0923 \u0939\u0941\u0926\u093e \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0938\u092e\u0930\u094d\u092a\u0923 \u092e\u0941\u0932\u094d\u092f\u0915\u094b \u0935\u093f\u0935\u0930\u0923<\/span><\/strong><\/p>\n<table>\n<tbody>\n<tr>\n<td><strong><span style=\"color: #0000ff;\">Year Beginning<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #0000ff;\">Policy Period<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #0000ff;\">Sum Assured<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #0000ff;\">Premium Paid<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #0000ff;\">Bonus rate<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #0000ff;\">Surrender Value (SV)<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #0000ff;\">SV compares with paid premium<\/span><\/strong><\/td>\n<\/tr>\n<tr>\n<td><span style=\"color: #ff6600;\"><strong>1<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>20<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>1000000<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>50000<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>50<\/strong><\/span><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td><span style=\"color: #ff6600;\"><strong>2<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>20<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>1000000<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>50000<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>50<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>49975.59<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>49.98%<\/strong><\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"color: #ff6600;\"><strong>3<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>20<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>1000000<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>50000<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>50<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>88275.13<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>58.85%<\/strong><\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"color: #ff6600;\"><strong>4<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>20<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>1000000<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>50000<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>50<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>130979.2<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>65.49%<\/strong><\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"color: #ff6600;\"><strong>5<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>20<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>1000000<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>50000<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>50<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>178478.8<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>71.39%<\/strong><\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"color: #ff6600;\"><strong>6<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>20<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>1000000<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>50000<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>50<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>231196<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>77.07%<\/strong><\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"color: #ff6600;\"><strong>7<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>20<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>1000000<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>50000<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>50<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>289586.4<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>82.74%<\/strong><\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"color: #ff6600;\"><strong>8<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>20<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>1000000<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>50000<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>50<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>354141.2<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>88.54%<\/strong><\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"color: #ff6600;\"><strong>9<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>20<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>1000000<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>50000<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>50<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>425390.3<\/strong><\/span><\/td>\n<td><span style=\"color: #ff6600;\"><strong>94.53%<\/strong><\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"color: #0000ff;\">10<\/span><\/td>\n<td><span style=\"color: #0000ff;\">20<\/span><\/td>\n<td><span style=\"color: #0000ff;\">1000000<\/span><\/td>\n<td><span style=\"color: #0000ff;\">50000<\/span><\/td>\n<td><span style=\"color: #0000ff;\">50<\/span><\/td>\n<td><span style=\"color: #0000ff;\">503905.1<\/span><\/td>\n<td><span style=\"color: #0000ff;\">100.78%<\/span><\/td>\n<\/tr>\n<tr>\n<td><strong><span style=\"color: #00ff00;\">11<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">20<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">1000000<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">50000<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">50<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">590301.3<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">107.33%<\/span><\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong><span style=\"color: #00ff00;\">12<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">20<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">1000000<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">50000<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">50<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">685242.4<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">114.21%<\/span><\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong><span style=\"color: #00ff00;\">13<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">20<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">1000000<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">50000<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">50<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">789443<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">121.45%<\/span><\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong><span style=\"color: #00ff00;\">14<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">20<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">1000000<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">50000<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">50<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">903673<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">129.10%<\/span><\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong><span style=\"color: #00ff00;\">15<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">20<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">1000000<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">50000<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">50<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">1028761<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">137.17%<\/span><\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong><span style=\"color: #00ff00;\">16<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">20<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">1000000<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">50000<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">50<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">1165599<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">145.70%<\/span><\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong><span style=\"color: #00ff00;\">17<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">20<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">1000000<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">50000<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">50<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">1315148<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">154.72%<\/span><\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong><span style=\"color: #00ff00;\">18<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">20<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">1000000<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">50000<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">50<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">1478439<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">164.27%<\/span><\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong><span style=\"color: #00ff00;\">19<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">20<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">1000000<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">50000<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">50<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">1656585<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">174.38%<\/span><\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong><span style=\"color: #00ff00;\">20<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">20<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">1000000<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">50000<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">50<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">1850781<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #00ff00;\">185.08%<\/span><\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u092e\u093e\u0925\u093f\u0915\u094b \u0924\u093e\u0932\u093f\u0915\u093e \u0905\u0928\u0941\u0938\u093e\u0930 \u0926\u094b\u0936\u094d\u0930\u094b \u0935\u0930\u094d\u0937\u0915\u094b \u0938\u0941\u0930\u0941\u0935\u093e\u0924\u092e\u093e \u0938\u092e\u0930\u094d\u092a\u0923 \u0917\u0930\u0947\u0915\u093e \u092c\u0940\u092e\u093f\u0924\u0932\u0947 \u092d\u0941\u0915\u094d\u0924\u093e\u0928\u0940 \u0917\u0930\u0947\u0915\u094b \u0915\u0930\u093f\u092c \u096b\u0966 \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0930\u0915\u092e \u092e\u093e\u0924\u094d\u0930 \u092c\u0940\u092e\u093f\u0924\u0932\u0947 \u092b\u093f\u0930\u094d\u0924\u093e \u092a\u093e\u0909\u091b \u092d\u0928\u0947 \u0924\u094d\u092f\u0938 \u092a\u091b\u093f\u0915\u093e \u0935\u0930\u094d\u0937\u0939\u0930\u0941\u092e\u093e \u0938\u092e\u0930\u094d\u092a\u0923 \u0930\u0915\u092e \u092c\u0922\u094d\u0926\u0948 \u0917\u0908 \u092c\u0940\u092e\u093e \u0905\u0935\u0927\u093f\u0915\u094b \u0915\u0930\u093f\u092c \u0906\u0927\u093e \u092f\u093e\u0928\u0940 \u0926\u0936\u094c \u092c\u0930\u094d\u0937\u0915\u094b \u0938\u0941\u0930\u0941\u0935\u093e\u0924\u092e\u093e \u0938\u092e\u0930\u094d\u092a\u0923 \u0917\u0930\u094d\u0928\u0947 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0932\u0947 \u0915\u0930\u093f\u092c \u092d\u0941\u0915\u094d\u0924\u093e\u0928\u0940 \u0917\u0930\u0947\u0915\u094b \u0930\u0915\u092e \u092c\u0930\u093e\u092c\u0930 \u0938\u092e\u0930\u094d\u092a\u0923 \u092e\u0941\u0932\u094d\u092f \u092a\u093e\u0909\u091b \u0964 \u0924\u094d\u092f\u0938\u0948 \u0917\u0930\u0940 \u092f\u094b \u0930\u0915\u092e \u092c\u0922\u094d\u0926\u0948 \u0917\u090f\u0930 \u092c\u093f\u0938\u094c \u0935\u0930\u094d\u0937\u0915\u094b \u0938\u0941\u0930\u0941\u0935\u093e\u0924\u092e\u093e \u0938\u092e\u0930\u094d\u092a\u0923 \u0917\u0930\u094d\u0928\u0947 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0932\u0947 \u092d\u0941\u0915\u094d\u0924\u093e\u0928\u0940 \u0917\u0930\u0947\u0915\u094b \u0930\u0915\u092e\u0915\u094b \u0967\u096e\u096b.\u0966\u096e \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0930\u0915\u092e \u0938\u092e\u0930\u094d\u092a\u0923 \u092e\u0941\u0932\u094d\u092f \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0917\u0930\u094d\u0926\u091b \u0964 \u092f\u0938\u0930\u0940 \u092c\u0940\u092e\u093f\u0924\u0932\u0947 \u092d\u0941\u0915\u094d\u0924\u093e\u0928\u0940 \u0917\u0930\u0947\u0915\u094b \u0930\u0915\u092e \u092c\u0930\u093e\u092c\u0930 \u092a\u0928\u093f \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0928\u0939\u0941\u0926\u093e\u0901 \u092c\u0940\u092e\u093f\u0924\u0932\u0947 \u0906\u092b\u0941 \u0920\u0917\u093f\u090f\u0915\u094b \u092e\u0939\u0938\u0941\u0938 \u0917\u0930\u094d\u0926\u091b \u0964<\/p>\n<p><span style=\"color: #0000ff;\"><strong>\u0968<\/strong><strong>) \u092c\u0940\u092e\u093e \u0917\u0930\u094d\u0928\u0941\u0915\u094b \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f \u092a\u0941\u0930\u093e \u0939\u0941\u0926\u0948\u0928 \u0964 \u00a0<\/strong><\/span><\/p>\n<p>\u091c\u0940\u0935\u0928 \u092c\u0940\u092e\u093e \u0917\u0930\u094d\u0928\u0941 \u092e\u0941\u0916\u094d\u092f \u0926\u0941\u0908 \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f \u0939\u0941\u0928\u094d\u091b\u0928\u094d , \u092a\u0939\u093f\u0932\u094b \u091c\u094b\u0916\u093f\u092e\u0915\u094b \u092c\u0939\u0928 \u0926\u094b\u0936\u094d\u0930\u094b\u00a0 \u092a\u094d\u0930\u0924\u093f\u092b\u0932 \u0964 \u092c\u0940\u092e\u093e\u0932\u0947\u0916 \u0938\u092e\u0930\u094d\u092a\u0923 \u0939\u0941\u0926\u093e \u0905\u092a\u0947\u0915\u094d\u0937\u093e \u0917\u0930\u0947\u0915\u094b \u092d\u0928\u094d\u0926\u093e \u0915\u092e \u0930\u0915\u092e \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0939\u0941\u0928\u0947 \u0939\u0941\u0928\u093e\u0932\u0947 \u092a\u094d\u0930\u0924\u093f\u092b\u0932\u0915\u094b \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f \u092a\u0941\u0930\u093e \u0939\u0941\u0926\u0948\u0928 \u0964 \u0924\u094d\u092f\u0938\u0948\u0917\u0930\u0940 \u0938\u092e\u0930\u094d\u092a\u0923 \u092d\u090f\u092a\u091b\u093f \u092c\u0940\u092e\u093e \u0915\u092e\u094d\u092a\u0928\u0940\u0932\u0947 \u091c\u094b\u0916\u093f\u092e \u092c\u0939\u0928 \u0917\u0930\u094d\u0926\u0948\u0928 \u0964 \u092f\u0938\u0930\u0940 \u092c\u0940\u092e\u093e\u0932\u0947\u0916 \u0938\u092e\u0930\u094d\u092a\u0923 \u092d\u090f\u092a\u091b\u093f \u092c\u0940\u092e\u093f\u0924\u0932\u0947 \u091c\u0940\u0935\u0928 \u092c\u0940\u092e\u093e \u0917\u0930\u094d\u0928\u0941\u0915\u094b \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f \u0928\u0948 \u092a\u0941\u0930\u093e \u0939\u0941\u0926\u0948\u0928 \u0964<\/p>\n<p><span style=\"color: #0000ff;\"><strong>\u092c\u0940\u092e\u093e\u0932\u0947\u0916 \u091c\u093e\u0930\u0940 \u092d\u090f\u092a\u091b\u093f \u0938\u092e\u0930\u094d\u092a\u0923 \u0939\u0941\u0926\u093e\u0901 \u092c\u0940\u092e\u093e \u0915\u092e\u094d\u092a\u0928\u0940\u0932\u093e\u0908 \u0926\u0947\u0939\u093e\u092f \u092c\u092e\u094b\u091c\u093f\u092e \u0905\u0938\u0930\u0939\u0930\u0941 \u092a\u0930\u094d\u0926\u091b \u0964 \u00a0<\/strong><\/span><\/p>\n<ul>\n<li><strong><span style=\"color: #0000ff;\">\u0935\u093f\u0924\u094d\u0924\u093f\u092f \u0928\u094b\u0915\u094d\u0938\u093e\u0928\u0940 \u0939\u0941\u0928\u094d\u091b \u0964<\/span> <\/strong><\/li>\n<\/ul>\n<p>\u0938\u093e\u092e\u093e\u0928\u094d\u092f\u0924\u092f\u093e \u092c\u0940\u092e\u093e\u0932\u0947\u0916 \u0938\u092e\u0930\u094d\u092a\u0923 \u0917\u0930\u094d\u0926\u093e \u092c\u0940\u092e\u093f\u0924\u0932\u0947 \u092d\u0941\u0915\u094d\u0924\u093e\u0928\u0940 \u0917\u0930\u0947\u0915\u094b \u092d\u0928\u094d\u0926\u093e \u092a\u0928\u093f \u0928\u093f\u0915\u0948 \u0915\u092e \u0930\u0915\u092e \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0939\u0941\u0928\u0947 \u0939\u0941\u0928\u093e\u0932\u0947 \u092c\u0940\u092e\u093e \u0915\u092e\u094d\u092a\u0928\u0940\u0932\u093e\u0908 \u092b\u093e\u0908\u0926\u093e \u0939\u0941\u0928\u094d\u091b \u092d\u0928\u094d\u0928\u0947 \u0932\u093e\u0917\u094d\u0928 \u0938\u0915\u094d\u091b \u0924\u0930 \u092c\u0940\u092e\u093e\u0932\u0947\u0916 \u091c\u093e\u0930\u0940 \u0917\u0930\u0947\u0915\u094b \u0938\u0941\u0930\u0941\u0935\u093e\u0924\u0940 \u0935\u0930\u094d\u0937\u0939\u0930\u0941\u092e\u093e \u092c\u0940\u092e\u093e\u0932\u0947\u0916 \u0938\u092e\u0930\u094d\u092a\u0923 \u0939\u0941\u0926\u093e \u092c\u0940\u092e\u093f\u0924\u0932\u093e\u0908 \u091c\u0938\u094d\u0924\u0948 \u092c\u0940\u092e\u093e \u0915\u092e\u094d\u092a\u0928\u0940\u0939\u0930\u0941\u0932\u093e\u0908 \u092a\u0928\u093f \u0935\u093f\u0924\u094d\u0924\u093f\u092f \u0928\u094b\u0915\u094d\u0938\u093e\u0928\u0940 \u0928\u0948 \u0939\u0941\u0928\u094d\u091b \u0964 \u0915\u093f\u0928\u0915\u0940 \u0938\u0941\u0930\u0941\u0935\u093e\u0924\u0940 \u0935\u0930\u094d\u0937\u0939\u0930\u0941\u092e\u093e \u092c\u0940\u092e\u093e\u0932\u0947\u0916 \u091c\u093e\u0930\u0940 \u0917\u0930\u094d\u0926\u093e \u0916\u0930\u094d\u091a \u0935\u0922\u0940 \u092d\u090f\u0915\u094b \u0939\u0941\u0928\u094d\u091b \u091c\u0938\u094d\u0924\u0948\u0903 \u0905\u092d\u093f\u0915\u0930\u094d\u0924\u093e \u0915\u092e\u093f\u0936\u0928 \u0930 \u0908\u0928\u094d\u0938\u0947\u0928\u094d\u091f\u093f\u092d, \u092c\u091c\u093e\u0930\u093f\u0915\u0930\u0923 \u0916\u0930\u094d\u091a, \u092e\u0947\u0921\u093f\u0915\u0932 \u0916\u0930\u094d\u091a \u0932\u0917\u093e\u092f\u0924 \u092a\u094d\u0930\u0925\u092e \u092c\u0940\u092e\u093e\u0936\u0941\u0932\u094d\u0915\u0915\u094b \u092a\u091a\u093e\u0938 \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u092d\u0928\u094d\u0926\u093e \u092c\u0922\u0940 \u0930\u0915\u092e \u0916\u0930\u094d\u091a \u0939\u0941\u0928\u094d\u091b \u0964 \u0924\u094d\u092f\u0938\u0948\u0917\u0930\u0940 \u092c\u0940\u092e\u093e\u0932\u0947\u0916 \u091c\u093e\u0930\u0940 \u092d\u090f\u092a\u091b\u093f \u092a\u0941\u0928\u0930\u094d\u092c\u0940\u092e\u093e \u0916\u0930\u094d\u091a \u092a\u0928\u093f \u0939\u0941\u0928\u094d\u091b \u0964 \u0924\u094d\u092f\u0938\u0948\u0915\u093e\u0930\u0923 \u092c\u0940\u092e\u093e\u0932\u0947\u0916 \u091c\u093e\u0930\u0940 \u092d\u090f\u0915\u094b \u0938\u0941\u0930\u0941\u0935\u093e\u0924\u0940 \u0935\u0930\u094d\u0937\u0939\u0930\u0941\u092e\u093e \u092c\u0940\u092e\u093e\u0932\u0947\u0916 \u0938\u092e\u0930\u094d\u092a\u0923 \u0939\u0941\u0926\u093e \u092c\u0940\u092e\u093e \u0915\u092e\u094d\u092a\u0928\u0940\u0939\u0930\u0941\u0932\u093e\u0908 \u0928\u094b\u0915\u094d\u0938\u093e\u0928\u0940 \u0939\u0941\u0928\u094d\u091b \u0964<\/p>\n<p><span style=\"color: #0000ff;\"><strong>\u0968 <\/strong><\/span><strong><span style=\"color: #0000ff;\">) \u0928\u0915\u093e\u0930\u093e\u0924\u094d\u092e\u0915 \u092c\u091c\u093e\u0930\u093f\u0915\u0930\u0923 \u0939\u0941\u0928\u094d\u091b \u0964<\/span> <\/strong><\/p>\n<p>\u0906\u092b\u0941\u0932\u0947 \u092d\u0941\u0915\u094d\u0924\u093e\u0928\u0940 \u0917\u0930\u0947\u0915\u094b \u0930\u0915\u092e \u092a\u0928\u093f \u092b\u093f\u0930\u094d\u0924\u093e \u0928\u0939\u0941\u0926\u093e\u0915\u094b \u0905\u0935\u0938\u094d\u0925\u093e\u092e\u093e \u092c\u0940\u092e\u093f\u0924\u0932\u0947 \u092c\u0948\u0915\u092e\u093e \u0930\u093e\u0916\u0947\u0915\u094b \u092d\u090f \u0935\u094d\u092f\u093e\u091c \u0938\u092e\u0947\u0924 \u0906\u0909\u0925\u094d\u092f\u094b \u092d\u0928\u093f \u0924\u0941\u0932\u0928\u093e \u0917\u0930\u094d\u091b \u0930 \u0906\u092b\u0941 \u0920\u0917\u093f\u090f\u0915\u094b \u092e\u0939\u0938\u0941\u0938 \u0917\u0930\u094d\u0926\u091b \u0964 \u092f\u0938\u0930\u0940 \u0920\u0917\u093f\u090f\u0915\u094b \u092e\u0939\u0938\u0941\u0938 \u0917\u0930\u0947\u0915\u094b \u092c\u0940\u092e\u093f\u0924\u0932\u0947 \u092c\u091c\u093e\u0930\u092e\u093e \u092c\u0940\u092e\u093e \u0915\u092e\u094d\u092a\u0928\u0940\u0915\u093e \u092c\u093e\u0930\u0947\u092e\u093e \u0928\u0915\u093e\u0930\u093e\u0924\u094d\u092e\u0915 \u092c\u091c\u093e\u0930\u093f\u0915\u0930\u0923 \u0917\u0930\u094d\u0926\u091b \u0964<\/p>\n<p><span style=\"color: #0000ff;\"><strong>\u0969 <\/strong><\/span><strong><span style=\"color: #0000ff;\">) \u0928\u0917\u0926 \u092a\u094d\u0930\u0935\u093e\u0939 \u0924\u0925\u093e \u0924\u0930\u0932\u0924\u093e\u092e\u093e \u0938\u092e\u0938\u094d\u092f\u093e \u0939\u0941\u0928\u094d\u091b \u0964<\/span> <\/strong><\/p>\n<p>\u091c\u0940\u0935\u0928 \u092c\u0940\u092e\u093e \u0926\u093f\u0930\u094d\u0918\u0915\u093e\u0932\u093f\u0928 \u0915\u0930\u093e\u0930 \u0939\u094b \u0964 \u092c\u0940\u092e\u093e\u0932\u0947\u0916 \u091c\u093e\u0930\u0940 \u092d\u090f\u092a\u091b\u093f \u092c\u0940\u092e\u093e \u0915\u092e\u094d\u092a\u0928\u0940\u0932\u0947 \u0926\u093f\u0930\u094d\u0918\u0915\u093e\u0932\u093f\u0928 \u0928\u0917\u0926 \u092a\u094d\u0930\u0935\u093e\u0939\u0915\u094b \u0905\u0928\u0941\u092e\u093e\u0928 \u0917\u0930\u0947\u0930 \u0932\u0917\u093e\u0928\u0940 \u0917\u0930\u0947\u0915\u094b \u0939\u0941\u0928\u094d\u091b \u0964 \u092c\u0940\u092e\u093e\u0936\u0941\u0932\u094d\u0915 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0917\u0930\u094d\u0928\u0941 \u092a\u0930\u094d\u0928\u0947\u00a0 \u092c\u0940\u092e\u093e\u0932\u0947\u0916\u0939\u0930\u0941 \u092d\u091f\u093e\u092d\u091f \u0938\u092e\u0930\u094d\u092a\u0923 \u0939\u0941\u0926\u093e\u0901 \u092c\u0940\u092e\u093e \u0915\u092e\u094d\u092a\u0928\u0940\u0932\u093e\u0908 \u0928\u0917\u0926 \u092a\u094d\u0930\u0935\u093e\u0939 \u092e\u093f\u0932\u093e\u0909\u0928 \u0917\u093e\u0939\u094d\u0930\u094b \u092a\u0930\u094d\u091b \u0964 \u091c\u0938\u0932\u0947 \u0917\u0930\u094d\u0926\u093e \u092c\u0940\u092e\u093e \u0915\u092e\u094d\u092a\u0928\u0940\u0932\u0947 \u092d\u0941\u0915\u094d\u0924\u093e\u0928\u0940 \u0917\u0930\u094d\u0928\u0941 \u092a\u0930\u094d\u0928\u0947 \u0930\u0915\u092e \u092d\u0941\u0915\u094d\u0924\u093e\u0928\u0940 \u0917\u0930\u094d\u0928 \u0928\u0938\u0915\u0940 \u0924\u0930\u0932\u0924\u093e\u092e\u093e \u0938\u092e\u0938\u094d\u092f\u093e \u092a\u0930\u094d\u0928 \u0938\u0915\u094d\u091b \u0964<\/p>\n<p><strong><span style=\"color: #0000ff;\">\u0928\u0947\u092a\u093e\u0932\u0940 \u092c\u0940\u092e\u093e \u092c\u091c\u093e\u0930\u0915\u094b \u0905\u0935\u0938\u094d\u0925\u093e<\/span> <\/strong><\/p>\n<p>\u0928\u0947\u092a\u093e\u0932\u0940 \u091c\u0940\u0935\u0928 \u092c\u0940\u092e\u093e \u092c\u091c\u093e\u0930\u092e\u093e \u0905\u092d\u093f\u0915\u0930\u094d\u0924\u093e\u0932\u0947 \u0938\u092e\u094d\u092d\u093e\u0935\u093f\u0924 \u092c\u0940\u092e\u093f\u0924\u0932\u093e\u0908 \u092c\u0940\u092e\u093e\u0915\u094b \u092c\u093e\u0930\u0947\u092e\u093e \u0926\u093f\u0928\u0941 \u092a\u0930\u094d\u0928\u0947 \u091c\u0924\u093f \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u0909\u092a\u0932\u092c\u094d\u0927 \u0928\u0917\u0930\u093e\u0908 \u092c\u0940\u092e\u093e \u0917\u0930\u093e\u0909\u0928\u0947 \u0917\u0930\u0947\u0915\u094b \u0924\u0925\u093e \u092c\u0940\u092e\u093e \u0915\u092e\u094d\u092a\u0928\u0940\u0939\u0930\u0941\u0932\u0947 \u092a\u0928\u093f \u0909\u091a\u093f\u0924 \u0935\u093f\u0924\u094d\u0924\u093f\u092f \u091c\u094b\u0916\u093f\u092e\u093e\u0919\u094d\u0915\u0928 \u0928\u0917\u0930\u094d\u0926\u093e \u00a0\u092c\u0940\u092e\u093e\u0932\u0947\u0916\u0939\u0930\u0941 \u0938\u092e\u0930\u094d\u092a\u0923 \u0939\u0941\u0928\u0947 \u0917\u0930\u0947\u0915\u094b \u0906\u0930\u094b\u092a \u0932\u093e\u0917\u094d\u0928\u0947 \u0917\u0930\u0947\u0915\u094b \u091b \u0964 \u0924\u0925\u094d\u092f\u0915\u094b \u0915\u0941\u0930\u093e \u0917\u0930\u094d\u0928\u0947 \u0939\u094b \u092d\u0928\u0947 \u091c\u0940\u0935\u0928 \u092c\u0940\u092e\u093e \u0915\u092e\u094d\u092a\u0928\u0940\u0915\u094b \u0915\u0941\u0932 \u092c\u0940\u092e\u093e\u0936\u0941\u0932\u094d\u0915 \u0906\u092e\u094d\u0926\u093e\u0928\u0940\u092e\u093e \u092c\u0940\u092e\u093e\u0932\u0947\u0916\u0915\u094b \u0938\u092e\u0930\u094d\u092a\u0923 \u092d\u090f\u0915\u094b \u092c\u0940\u092e\u093e\u0915\u094b \u0905\u0928\u0941\u092a\u093e\u0924 \u0926\u0947\u0939\u093e\u092f \u092c\u092e\u094b\u091c\u093f\u092e \u0930\u0939\u0947\u0915\u094b \u091b \u0964 (\u091a\u093e\u0932\u0941 \u0930\u0939\u0947\u0915\u093e \u092c\u0940\u092e\u093e\u0932\u0947\u0916\u0915\u094b \u0938\u0919\u094d\u0916\u094d\u092f\u093e, \u092c\u0940\u092e\u093e\u0932\u0947\u0916\u0915\u094b \u0938\u092e\u0930\u094d\u092a\u0923 \u092e\u0941\u0932\u094d\u092f,\u00a0 \u091c\u0940\u0935\u0928 \u092c\u0940\u092e\u093e \u0915\u094b\u0937\u092e\u093e \u092d\u090f\u0915\u094b \u0930\u0915\u092e \u0932\u0917\u093e\u090f\u0924\u0915\u093e \u0915\u0941\u0930\u093e\u0939\u0930\u0941 \u092a\u0941\u0930\u093e\u0928\u093e \u0915\u092e\u094d\u092a\u0928\u0940 \u0930 \u0928\u092f\u093e\u0901 \u0915\u092e\u094d\u092a\u0928\u0940\u0939\u0930\u0941\u00a0 \u0935\u093f\u091a \u092b\u0930\u0915 \u0939\u0941\u0928\u0947 \u092d\u090f\u0915\u093e\u0932\u0947 \u0935\u093f\u0936\u094d\u0932\u0947\u0937\u0923\u0915\u094b \u0909\u091a\u093f\u0924 \u0928\u093f\u0937\u094d\u0915\u0930\u094d\u0937 \u0928\u093f\u0915\u093e\u0932\u094d\u0928\u0915\u094b \u0928\u093f\u092e\u094d\u0924\u093f \u0938\u0928\u094d\u091a\u093e\u0932\u0928\u092e\u093e \u0930\u0939\u0947\u0915\u093e \u092c\u0940\u092e\u093e \u0915\u092e\u094d\u092a\u0928\u0940\u0939\u0930\u0941\u0932\u093e\u0908 \u0926\u0941\u0908 \u092d\u093e\u0917\u092e\u093e \u0935\u093f\u092d\u093e\u091c\u0928 \u0917\u0930\u094d\u0928 \u0917\u0930\u093f\u090f\u0915\u094b \u091b, \u0935\u093f. \u0938\u0902. \u0968\u0966\u096d\u096a \u092a\u091b\u093f \u0938\u094d\u0925\u093e\u092a\u0928\u093e \u092d\u090f\u0915\u093e \u0928\u092f\u093e\u0901 \u092c\u0940\u092e\u093e \u0915\u092e\u094d\u092a\u0928\u0940 \u0930 \u0924\u094d\u092f\u0938 \u092d\u0928\u094d\u0926\u093e \u092a\u0939\u093f\u0932\u0947 \u0938\u094d\u0925\u093e\u092a\u0928\u093e \u092d\u090f\u0915\u093e \u092a\u0941\u0930\u093e\u0928\u093e \u092c\u0940\u092e\u093e \u0915\u092e\u094d\u092a\u0928\u0940\u0939\u0930\u0941 \u0964)<\/p>\n<p><strong><span style=\"color: #0000ff;\">\u0924\u0925\u094d\u092f\u093e\u0919\u094d\u0915<\/span> <\/strong><\/p>\n<table>\n<tbody>\n<tr>\n<td rowspan=\"2\"><span style=\"color: #000080;\"><strong>S.No.<\/strong><\/span><\/td>\n<td rowspan=\"2\"><span style=\"color: #000080;\"><strong>Insurer<\/strong><\/span><\/td>\n<td colspan=\"3\"\"><span style=\"color: #000080;\"><strong>2077.78<\/strong><\/span><\/td>\n<td colspan=\"3\"\"><span style=\"color: #000080;\"><strong>2076.77<\/strong><\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"color: #000080;\"><strong>Gross Premium<\/strong><\/span><\/td>\n<td><span style=\"color: #000080;\"><strong>Surrender<\/strong><\/span><\/td>\n<td><span style=\"color: #000080;\"><strong>Percent<\/strong><\/span><\/td>\n<td><span style=\"color: #000080;\"><strong>Gross Premium<\/strong><\/span><\/td>\n<td><span style=\"color: #000080;\"><strong>Surrender<\/strong><\/span><\/td>\n<td><span style=\"color: #000080;\"><strong>Percent<\/strong><\/span><\/td>\n<\/tr>\n<tr>\n<td><strong><span style=\"color: #339966;\">1<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">Citizen Life<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0 3,556,708,601<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 8,870,069<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">0.25%<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1,857,970,532<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 9,000,890<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">0.48%<\/span><\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong><span style=\"color: #339966;\">2<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">Nepal Life<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0 32,367,058,650<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0 3,855,342,359<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">11.91%<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0 27,658,825,170<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0 1,631,757,145<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">5.90%<\/span><\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong><span style=\"color: #339966;\">3<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">Prime Life<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0 4,067,637,301<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 130,134,380<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">3.20%<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 3,310,750,714<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 70,153,889<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">2.12%<\/span><\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong><span style=\"color: #339966;\">4<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">Met Life<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0 4,885,103,417<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 359,611,399<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">7.36%<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 4,184,587,920<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0 220,448,537<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">5.27%<\/span><\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong><span style=\"color: #339966;\">5<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">Union Life<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0 6,854,759,084<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 66,247,728<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">0.97%<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 4,678,589,722<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 4,324,351<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">0.09%<\/span><\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong><span style=\"color: #339966;\">6<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">Surya Life<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0 4,328,369,789<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 157,946,641<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">3.65%<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 2,962,074,732<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 73,134,964<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">2.47%<\/span><\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong><span style=\"color: #339966;\">7<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">IME Life<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0 2,897,477,125<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 13,700,034<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">0.47%<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1,401,870,385<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 10,818,158<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">0.77%<\/span><\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong><span style=\"color: #339966;\">8<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">Jyoti Life<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0 3,072,548,998<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 40,763,982<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">1.33%<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1,827,008,403<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 944,193<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">0.05%<\/span><\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong><span style=\"color: #339966;\">9<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">Reliable Life<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0 3,072,372,506<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 14,442,625<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">0.47%<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1,621,908,632<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1,519,422<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">0.09%<\/span><\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong><span style=\"color: #339966;\">10<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">LIC Nepal<\/span><\/strong><\/td>\n<td colspan=\"3\"\"><strong><span style=\"color: #339966;\">\u00a0\u0924\u0925\u094d\u092f\u093e\u0919\u094d\u0915 \u0909\u092a\u0932\u092c\u094d\u0927 \u0928\u092d\u090f\u0915\u094b\u00a0<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0 14,951,384,953<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0 1,222,586,999<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">8.18%<\/span><\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong><span style=\"color: #339966;\">11<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">Asian Life<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0 5,919,712,399<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 568,077,330<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">9.77%<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 4,590,793,625<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0 188,305,058<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">4.10%<\/span><\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong><span style=\"color: #339966;\">12<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">Relaince Life<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0 2,591,756,209<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 14,800,889<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">0.59%<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1,403,974,981<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 2,218,681<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">0.16%<\/span><\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong><span style=\"color: #339966;\">13<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">Sanima Life<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0 1,960,550,903<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 8,233,243<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">0.43%<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 834,703,394<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1,735,135<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">0.21%<\/span><\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong><span style=\"color: #339966;\">14<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">Sun Nepal Life<\/span><\/strong><\/td>\n<td colspan=\"3\" rowspan=\"4\"\"><strong><span style=\"color: #339966;\">\u00a0<span style=\"color: #ff0000;\">\u0924\u0925\u094d\u092f\u093e\u0919\u094d\u0915 \u0909\u092a\u0932\u092c\u094d\u0927 \u0928\u092d\u090f\u0915\u094b\u00a0<\/span><\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1,093,832,558<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 2,410,438<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">0.22%<\/span><\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong><span style=\"color: #339966;\">15<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">Prabhu Life<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1,200,714,719<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 &#8211;\u00a0\u00a0<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">0.00%<\/span><\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong><span style=\"color: #339966;\">16<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">Mahalxmi Life<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 868,624,964<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 &#8211;\u00a0\u00a0<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">0.00%<\/span><\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong><span style=\"color: #339966;\">17<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">Gurans Life<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 2,215,308,066<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 78,530,832<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">3.54%<\/span><\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong><span style=\"color: #339966;\">18<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">National Life<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0 12,524,624,133<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 604,099,320<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">4.91%<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 9,267,483,642<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">\u00a0\u00a0\u00a0\u00a0\u00a0 486,933,043<\/span><\/strong><\/td>\n<td><strong><span style=\"color: #339966;\">5.25%<\/span><\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>\u00a0<\/strong><\/td>\n<td><span style=\"color: #0000ff;\"><strong>Total<\/strong><\/span><\/td>\n<td><span style=\"color: #0000ff;\"><strong>\u00a0\u00a0\u00a0 12,524,624,133 <\/strong><\/span><\/td>\n<td><span style=\"color: #0000ff;\"><strong>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 604,099,320 <\/strong><\/span><\/td>\n<td><span style=\"color: #0000ff;\"><strong>\u00a0<\/strong><\/span><\/td>\n<td><span style=\"color: #0000ff;\"><strong>\u00a0\u00a0\u00a0\u00a0\u00a0 85,930,407,112 <\/strong><\/span><\/td>\n<td><span style=\"color: #0000ff;\"><strong>\u00a0\u00a0 4,004,821,735 <\/strong><\/span><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><span style=\"color: #0000ff;\"><strong>Average<\/strong><\/span><\/td>\n<td><span style=\"color: #0000ff;\"><strong>\u00a0<\/strong><\/span><\/td>\n<td><span style=\"color: #0000ff;\"><strong>\u00a0<\/strong><\/span><\/td>\n<td><span style=\"color: #0000ff;\"><strong>3.48%<\/strong><\/span><\/td>\n<td><span style=\"color: #0000ff;\"><strong>\u00a0<\/strong><\/span><\/td>\n<td><span style=\"color: #0000ff;\"><strong>\u00a0<\/strong><\/span><\/td>\n<td><span style=\"color: #0000ff;\"><strong>2.16%<\/strong><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"text-align: right;\"><strong><span style=\"color: #0000ff;\">\u0936\u094d\u0930\u094b\u0924\u0903 \u0935\u093e\u0930\u094d\u0937\u093f\u0915 \u092a\u094d\u0930\u0924\u093f\u0935\u0947\u0926\u0928<\/span> <\/strong><\/p>\n<p>\u092e\u093e\u0925\u093f\u0915\u094b \u0924\u093e\u0932\u093f\u0915\u093e \u0905\u0928\u0941\u0938\u093e\u0930 \u0906. \u0935. \u0968\u0966\u096d\u096c\u0964\u096d\u096d \u092e\u093e \u0915\u0941\u0932 \u092c\u0940\u092e\u093e\u0936\u0941\u0932\u094d\u0915 \u0906\u092e\u094d\u0926\u093e\u0928\u0940\u0915\u094b \u0915\u0930\u093f\u092c \u0966 \u0926\u0947\u0916\u093f \u096e\u0964\u0967\u096e \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0930\u0915\u092e \u092c\u0930\u093e\u092c\u0930 \u092c\u0940\u092e\u093e\u0932\u0947\u0916\u0915\u094b \u0938\u092e\u0930\u094d\u092a\u0923 \u092d\u090f\u0915\u094b \u0926\u0947\u0916\u093f\u0928\u094d\u091b \u0964 \u0914\u0937\u0924\u092e\u093e \u0915\u0941\u0932 \u092c\u0940\u092e\u093e\u0936\u0941\u0932\u094d\u0915\u0915\u094b \u0968\u0964\u0967\u096c \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0930\u0915\u092e \u092c\u0940\u092e\u093e\u0932\u0947\u0916\u0915\u094b \u0938\u092e\u0930\u094d\u092a\u0923 \u092d\u090f\u0915\u094b \u0926\u0947\u0916\u093f\u0928\u094d\u091b \u0964 \u0906\u0930\u094d\u091c\u093f\u0924 \u0916\u0941\u0926 \u092c\u0940\u092e\u093e \u0936\u0941\u0932\u094d\u0915\u094b \u0938\u092c\u0948\u092d\u0928\u094d\u0926\u093e \u0935\u0922\u0940 \u096e\u0964\u0967\u096e \u00a0\u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0930\u0915\u092e Life Insurance Corporation (Nepal) Limited \u092e\u093e \u092c\u0940\u092e\u093e\u0932\u0947\u0916\u0915\u094b \u0938\u092e\u0930\u094d\u092a\u0923 \u092d\u090f\u0915\u094b \u0926\u0947\u0916\u093f\u0928\u094d\u091b \u092d\u0928\u0947 \u0928\u092f\u093e\u0901 \u092c\u0940\u092e\u093e \u0915\u092e\u094d\u092a\u0928\u0940\u0939\u0930\u0941\u092e\u093e \u0916\u0941\u0926 \u092c\u0940\u092e\u093e \u0936\u0941\u0932\u094d\u0915\u0915\u094b \u0967 \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0930\u0915\u092e \u092d\u0928\u094d\u0926\u093e \u0915\u092e \u092c\u0940\u092e\u093e\u0932\u0947\u0916\u0915\u094b \u0938\u092e\u0930\u094d\u092a\u0923 \u092d\u090f\u0915\u094b \u0926\u0947\u0916\u093f\u0928\u094d\u091b \u0964 \u0938\u092c\u0948 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Company Limited \u00a0\u092e\u093e \u092c\u0940\u092e\u093e\u0932\u0947\u0916\u0915\u094b \u0938\u092e\u0930\u094d\u092a\u0923 \u092d\u090f\u0915\u094b \u0926\u0947\u0916\u093f\u0928\u094d\u091b \u0964 Jyoti Life Insurance Company Limited \u092c\u093e\u0939\u0947\u0915 \u0938\u092c\u0948 \u0928\u092f\u093e\u0901 \u092c\u0940\u092e\u093e \u0915\u092e\u094d\u092a\u0928\u0940\u0939\u0930\u0941\u092e\u093e \u0915\u0941\u0932 \u092c\u0940\u092e\u093e\u0936\u0941\u0932\u094d\u0915 \u0906\u092e\u094d\u0926\u093e\u0928\u0940\u0915\u094b \u092c\u0940\u092e\u093e\u0932\u0947\u0916 \u0938\u092e\u0930\u094d\u092a\u0923 \u0967 \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u092d\u0928\u094d\u0926\u093e \u0915\u092e \u0930\u0939\u0947\u0915\u094b \u091b \u092d\u0928\u0947\u00a0 Prime Life Insurance Company Limited \u092c\u093e\u0939\u0947\u0915 \u0938\u092c\u0948 \u092a\u0941\u0930\u093e\u0928\u093e \u092c\u0940\u092e\u093e \u0915\u092e\u094d\u092a\u0928\u0940\u0939\u0930\u0941\u092e\u093e 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