State Consumer Disputes Redressal Commission
Rajesh Bhandari vs B.M. The New India Insurance Co.Ltd. & ... on 7 January, 2016
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fd;k Fkk vkSj 30 ls vf/kd ekfld fd'r dh jkf'k tek dj pqdk gS A mDr okgu vukosnd Øekad&1@fn U;w bafM;k ba';ksjsal daiuh fyfe- ds ikl fnukad&15-07-2012 ls ysdj fnukad&14-07-2013 dh vof/k rd // 3 // ds fy, chfer Fkk A fnukad&08-07-2013 dks jsYos LVs'ku] ds ikl lsyhczs'ku gksVy ds lkeus jk;iqj jksM ds lkeus fdlh vKkr pksj }kjk pksjh dj fy;k x;k ] ftlds laca/k esa fnukad&09-07-2013 dks lqcg tkdj xat Fkkuk jk;iqj esa izFke lwpuk ntZ djok;k Fkk vkSj vukosnd Øekad&1@fn U;w bafM;k ba';ksjsal daiuh fyfe- dks Hkh ?kVuk dh lwpuk nh xbZ Fkh vkSj ifjoknh ls vukosnd Øekad&1@fn U;w bafM;k ba';ksjsal daiuh fyfe- us Dyse QkeZ Hkjok;k Fkk vkSj dgk Fkk fd dqN fnuksa ckn jkf'k iznku dj nh tkosxh ] ijarq tc vukosnd Øekad&1@fn U;w bafM;k ba';ksjsal daiuh fyfe-ds dk;kZy; esa tkdj irk fd;k rks [kkRek fjiksVZ izLrqr djus ds fy, dgk x;k A ifjoknh us Fkkuk xat jk;iqj esa tkdj laidZ fd;k ] rc mls Kkr gqvk fd fnukad&26-11-2013 dks [kkRek Øekad&33@2013 pkd fd;k x;k gS A bl ij ifjoknh us fnukad& 11-09-2014 dks [kkRek fjiksVZ ] vkj-lh-cqd dh ewy izfr] ewy chek ikWfylh] pkch] vkj-Vh-vks-dk;kZy; dks fn;k x;k lwpuk i=] ,Q-vkbZ-vkj- dh ewy izfr ,u-lh-vkj-ch-dh ewy izfr ,oa vU; nLrkost vukosnd Øekad&1@fn U;w bafM;k ba';ksjsal daiuh fyfe- ]'kk[kk dk;kZy; ] ikj[k Hkou] LVs'ku jksM ] nqxZ esa tek fd;k Fkk] ijarq mlds ckn Hkh vukosnd Øekad&1@fn U;w bafM;k ba';ksjsal daiuh fyfe- }kjk nkos dk fujkdj.k ugha fd;k x;k A bl ij ifjoknh us fof/kd lwpuk&i= izsf"kr fd;k Fkk A vr% ifjoknh dks ifjokn&i= ykus dh vko';drk gqbZ A vr% ifjoknh dks ifjokn&i= esa of.kZr vuqlkj vuqrks"k iznku dh tkos A // 4 // 03- vukosnd Øekad&1@fn U;w bafM;k ba';ksjsal daiuh fyfe- dh vksj ls fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd vukosnd Øekad&1@fn U;w bafM;k ba';ksjsal daiuh fyfe- ds le{k ifjoknh }kjk tks izFke lwpuk&i= rFkk vafre izfrosnu izLrqr fd;k x;k gS] mlesa mYysf[kr gS fd ifjoknh @jkts'k HkaMkjh us fnukad&08-07-2013 dks okgu Øekad&C.G.07 M.A.9470 dks jsYos LVs'ku jk;iqj ls lsfyczs'ku gksVy ds lkeus dkj dks [kM+h dj pk; uk'rk djus x;k Fkk vkSj mDr dkj esa viuh eksckbZy lSElax dks pktZ esa yxk;k Fkk vkSj tYnckth esa xkM+h esa pkch yxk jg x;k vkSj 15 feuV ckn okil vkdj ns[kk ] rks mDr okgu ugha Fkk dksbZ okgu vKkr pksj ys x;k Fkk A blls Li"V gS fd ifjoknh ds okgu dh pksjh mlds Loa; dh ykijokgh ds dkj.k gqbZ gS A vukosnd Øekad&1@fn U;w bafM;k ba';ksjsal daiuh fyfe- ikWfylh ds fu;e ,oa 'krksZa ds vuqlkj okgu dh pksjh Dyse nkok jkf'k nsus ds fy, nkf;Rok/khu ugha gS A ifjoknh us vlqjf{kr voLFkk esa okgu dks NksM+k Fkk vkSj pkch xkM+h esa yxk jg x;k Fkk vkSj bl izdkj ifjoknh us chek ikWfylh dh 'krkZas ,oa fu;eksa dk mYya?ku fd;k gS A blfy, fdlh izdkj {kfriwfrZ ikus dk vf/kdkjh ugha gS A vr% ifjoknh dk ifjokn fujLr fd;k tkos A 04- vukosnd Øekad&2@mRrjoknh Øekad&2 ftyk Qksje ds le{k mifLFkr ugha Fkk vkSj ,di{kh; dk;Zokgh dh xbZ Fkh A // 5 // 05 ftyk Qksje us vkyksP; vkns'k dh dfMdk&10 esa fofHkUu U;k;&n`"Vkarksa dk voyacu ysrs gq, ;g fu/kkZfjr fd;k gS fd okgu dks pkch yxkdj NksM+ fn;k Fkk vkSj mlesa ekckbZy pkftZax ds fy, j[kk Fkk A ifjoknh Loa; us ?kksj ykijokgh dk d`R; fd;k gS vkSj blfy, ifjoknh chek ikWfylh dh 'krksZa dk mYya?ku fd;k vkSj chek daiuh us ifjoknh dk nkok [kkfjt dj fdlh izdkj lsok esa deh ugha fd;k gS vkSj ifjoknh dk ifjokn fujLr fd;k gS] ftlds fo:) ;g vihy gS A 06- ifjoknh dh vksj ls vius i{k leFkZu esa fuEu nLrkost &QkbZuy fjiksVZ dh dkih fnukad&09-07-2013 dh Nk;kizfr ]Anx-1 ],Q-vkbZ-vkj dh dkih fnukad&09-07-2013 dh Nk;kizfr ]Anx-2 ] vkj-lh-cqd dh dkih fnukad&24-08-2011 dh Nk;kizfr ]Anx-3 ] okgu dh fd'r tek dh jkf'k dh MhMhlh fyLV dh dkih fnukad&03-09-2011 ls 03-10-2014 dh Nk;kizfr]Anx-4-]Anx-5 ] 'kk[kk izca/kd ] fn U;w bafM;k ,';ksjasl daiuh fyfeVsM nwxZ dks nkok izi= tek djus ckcr~ fn;k x;k nLrkostksa dh fyLV dh dkih fnukad&11-09-2014 dh Nk;kizfr ]Anx-6 ] okgu ,';ksjsal dh dkih fnukad&15-07-2012 dh Nk;kizfr ]Anx-7 ]vkosnd ds c;ku dh dkih fnukad&26-11-2014 dh Nk;kizfr ]Anx-8 ] iqfyl vafre tkap izfrosnu dh dkih fnukad&29-03-2014dh Nk;kizfr ]Anx-9 ] {ks=h; ifjogu vf/kdjh nqxZ dks okgu pksjh dh lwpuk dh dkih fnukad&22-05- 2014 dh Nk;kizfr ]Anx-10 ] Hkkjrh; LVsV cSad dh ,DukWysteaV dh dkih fnukad&15-05-2014 dh Nk;kizfr ]Anx-11 ] ,u-lh-vkj-dh izfr] fn // 6 // U;w bafM;k ba';ksjsal daiuh fyfe- 'kk[kk dk;kzy; nqxZ dks Hkstk x;k vf/koDrk uksfVl dh dkih ,oa ikorh dh dkih fnukad&21-10-2014 dh Nk;kizfr ]Anx-12 izLrqr fd;k x;k gS A 07- vukosnd }kjk vius i{k leFkZu esa The New India Assurance Co.Ltd ds }kjk jkts'k HkaMkjh dks Hkstk x;k i= fnukad&15-07-2013 dh Nk;kizfr Ex-D-1 , The New India Assurance Co.Ltd Policy Shedule Cum Certificate of insurance dh lR;izfr Ex-D2 , Private car package policy Terms & Condition dh lR;izfr Ex-D-3 , The New India Assurance Co.Ltd dk fMLisp jftLVªj fnukad&16-07-2013 dh lR;izfr Ex-D-4 , The New India Assurance Co.Ltd Motor Claim Formdh Nk;kizfr Ex-D-5 , First Information Report dh Nk;kizfr Ex-D-6 , Final Report dh Nk;kizfr Ex-D-7 izLrqr fd;k x;k gS A 08- vihykFkhZ@ifjoknh dh vksj ls milatkr gksus okys vf/koDrk Jh jkts'k ik.Ms; dk rdZ gS fd ftyk Qksje dk vkns'k =qfViw.kZ gS A ifjoknh dsoy 15&20 feuV ds fy, vius okgu dks NksM+dj x;k Fkk vkSj gksVy ds lkeus ikdZ fd;k Fkk vkSj ;fn ;g eku Hkh fy;k tkos fd fdlh dkj.k ls okgu ykWd djus esa Hkwy gqbZ gS] rks Hkh ifjoknh dk nkok iw.kZr% fujLr ugha fd;k tk ldrk A ifjoknh vekud (Non-Standard) vk/kkj ij {kfriwfrZ ikus dk vf/kdkjh gS A vr% vihykFkhZ@ifjoknh dh vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr // 7 // fd;k tkos A ifjoknh dh vksj ls bl laca/k esa Bhagwanta Singh Vs Oriental Insurance Co. Ltd IV (2015) CPJ 4A (CN) (Chhat.) dk voyacu fy;k x;k gS A 09- mRrjoknh Øekad&1@vukosnd Øekad&1 dh vksj ls milatkr gksus okys vf/koDrk Jh f'kf'kj HkaMkjdj dk rdZ gS fd ftyk Qksje dk vkns'k iw.kZr% fof/klEer~ gS A ifjoknh us tks izFke lwpuk&i= ntZ djk;k gS] mlesa mYysf[kr fd;k gS fd og ykWd djuk Hkwy x;k Fkk vkSj vius eksckbZy dks pkftZax ds fy, okgu esa NksM+ fn;k Fkk A bl izdkj ifjoknh }kjk ?kksj mis{kk cjrk x;k gS vkSj ifjoknh dh ykijokgh ds dkj.k gh okgu dh pksjh gqbZ Fkh ] blfy, ifjoknh us chek 'krksZa dk mYya?ku fd;k gS vkSj ifjoknh fdlh izdkj dh {kfriwfrZ ikus dk vf/kdkjh ugha gS A ftyk Qksje us tks vkns'k ikfjr fd;k gS ] fof/klEer~ vkns'k gS] mlesa fdlh izdkj ds gLr{ksi dh vko';drk ugha gS A vr% vihykFkhZ dh vihy fujLr fd;k tkos A vukosnd Øekad&1@fn U;w bafM;k ba';ksjsal daiuh fyfe- dh vksj ls TATA AIG GENERAL INSURANCE CO. LTD Vs NIKHIL SETH , IV(2015)CPJ 195 (NC) , ,oa ORIETAL INSURANCE CO. LTD Vs SHYAM SUNDER II (2014) CPJ 567 (NC) dk voyacu fy;k x;k gS A 10- mRrjoknh Øekad&2@vukosnd Øekad&2 mifLFkr ugha gS A // 8 // 11- geus mHk;&i{k ds fo}ku vf/koDrkx.k dk rdZ Jo.k fd;k A ftyk Qksje ds vfHkys[k ,oa vkyksP; vkns'k dk ifj'khyu fd;k x;k A 12 vukosnd Øekad&1@fn U;w bafM;k ba';ksjsal daiuh fyfe- us tks TATA AIG GENERAL INSURANCE CO. LTD Vs NIKHIL SETH , IV(2015)CPJ 195 (NC) mijksDrkuqlkj U;k; n`"Vkar dk voyacu fy;k gS mlds rF; bl izdj.k ds rF; ls iw.kZr% fHkUu gS A mDr izdj.k esa pksjh dh lwpuk foyac ls fn;k x;k Fkk rFkk mlesa pksjh dh ?kVuk dks Hkh lansgkLin ekuk x;k Fkk rFkk izFke lwpuk&i= Hkh 2 fnu foyac ls ntZ djk;k x;k Fkk A bl vk/kkj ij Mªk;oj us tks dFku fd;k Fkk ] mls lansgkLin ekurs gq, fd ?kVuk lansgkLin gS ] bl vk/kkj ij ] nkok fujLr fd;k x;k Fkk ] tcfd bl izdj.k ds rF; iw.kZr% mDr U;k;&n`"Vkar ls fHkUu gS A blh izdkj ORIETAL INSURANCE CO. LTD Vs SHYAM SUNDER II (2014) CPJ 567 (NC) dk voyacu fy;k x;k gS ] mldk rF; bl izdj.k ds rF; ls fHkUu gS vkSj bldk ykHk vukosnd Øekad&1@fn U;w bafM;k ba';ksjsal daiuh fyfe- ugha feyrk gS A 13- ifjoknh ds vuqlkj ?kVuk fnukad&08-07-2013 dh gS A ifjoknh dh vksj ls izFke lwpuk&i= dh izfr izLrqr fd;k x;k gS vkSj ftlds vuqlkj mlus ?kVuk dh fjiksVZ fnukad&09-07-2013 dks gh lacaf/kr iqfyl Fkkuk xat ] jk;iqj esa fd;k Fkk ] tgka /kkjk&379 Hkk-na-la- iathc) fd;k x;k // 9 // Fkk A vukosnd Øekad&1@fn U;w bafM;k ba';ksjsal daiuh fyfe- }kjk ;g vk{ksi ugha fd;k x;k gS fd lwpuk foyac ls nh xbZ gS rFkk vukosnd Øekad&1@fn U;w bafM;k ba';ksjsal daiuh fyfe- us dsoy bl vk/kkj ij ] nkok fujLr fd;k gS fd ifjoknh ds gh ykijokgh ds dkj.k okgu pksjh gqvk gS ] tks fd ikWfylh fu;e ,oa 'krksZa dk mYya?ku gS A bl izdkj Li"V gS fd bl izdj.k esa ifjoknh us dfFkr pksjh dh ?kVuk dh lwpuk vukosnd Øekad&1@fn U;w bafM;k ba';ksjsal daiuh fyfe- dks vfoyac iznku dj fn;k gS vkSj dsoy bl vk/kkj ij fu;e ,oa 'krZ Øekad&4 gS ] mldk mYya?ku gqvk gS] vihykFkhZ@ifjoknh ds laiw.kZ nkos dks vLohdkj ugha fd;k tk ldrk gS A
14. National Insurance Company Ltd. Vs. Kamal Singhal, IV (2010) CPJ 297 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk vfHkfu/kkZfjr fd;k x;k gS fd %& "There has been catena of decisions of the National Commission and also Hon'ble Apex Court and the issue is no longer res integra that in case of theft of vehicle, issue of breach of policy condition (s) was not germane to the issue and we profitably refer to few decisions of the National Commission in the matters of (1) National Insurance Company Ltd. v. J.P. Leasing & Finance Pvt. Ltd., (R.P No.643 / 2005), (2) Punjab Chemical Agency v. National Insurance Company Ltd. (R.P. No.2097), (3) New India Assurance Co. Ltd. v. Sou. Bahrati Rajiv Bankar, (RP No.3294 / 2009) and (4) National Insurance Company // 10 // Ltd. v. Jeetmal, (RP No.3366/2009). There has been a landmark judgment of Hon'ble Apex Court in the matter of National Insurance Company Ltd. v Nitin Khandelwal, IV (2008) CPJ 1 (SC), where the Hon'ble Apex Court held that in the matter of theft of vehicle, breach of conditions of policy was not germane and also held further "the appellant Insurance Company is liable to indemnify the owner of the vehicle when the insurer has obtained comprehensive policy to the loss caused to the insurer. The respondent submitted that even assuming that there was a breach of condition of policy, the appellant Insurance Company ought to have settled the claim on 'non-standard 'basis".
15. National Insurance Company v. Lajwanti, II (2007) CPJ 48 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk vfHkfu/kkZfjr fd;k x;k gS fd %& the vehicle was stolen on 19.01.2002 at about 4.00 a.m. and report was lodged on the same day under Section 379, IPC and despite best efforts made by Police, the car could not be traced. The claim of the complainant was repudiated by the Insurance Company on the ground that stolen was doubtful. The State Commission allowed the appeal and awarded compensation to the complainant and National Commission upheld the finding recorded by the State Commission.
16. Amalendu Sahoo v. Oriental Insurance Co. Ltd., II (2010) CPJ 9 (SC), esa ekuuh; loksZPp U;k;ky; }kjk vfHkfu/kkZfjr fd;k x;k gS fd %& "12. Reference in this case may be made to the decision of National Commission rendered in the case of United India Insurance Company Limited v. Gian Singh, reported in II (2006) CPJ 83 (NC) = 2006 CTJ 221 // 11 // (CP) ((NCDRC). In that decision of the National Consumer Disputes Redressal Commission (NCDRC) it has been held that in a case of violation of condition of the policy as to the nature of use of the vehicle, the claim ought to be settled on a non-standard basis. The said decision of the National Commission has been referred to by this Court in the case of National Insurance Company v. Nitin Khandelwal, reported in IV (2008) CPJ 1 (SC) = 2008 (7) SCALE 351. In paragraph 13 of the judgment, in the case of Nitin Khandelwal (supra) this Court held :
"...... The appellant Insurance Company is liable to indemnify the owner of the vehicle when the insurer has obtained comprehensive policy for the loss caused to the insurer. The respondent submitted that even assuming that there was a breach of condition of the insurance policy, the appellant Insurance Company ought to have settled the claim on non-standard basis."
17. National Insurance Company Ltd. Vs. Nitin Khandelwal, IV (2008) CPJ 1 (SC), esa ekuuh; loksZPp U;k;ky; }kjk vfHkfu/kkZfjr fd;k x;k gS fd %& "12. In the case in hand, the vehicle has been snatched or stolen. In the case of theft of vehicle breach of condition is not germane. The appellant Insurance Company is liable to indemnify the owner of the vehicle when the insurer has obtained comprehensive policy for the loss caused to the insurer. The respondent submitted that even assuming that there was a breach of condition of the insurance policy, the appellant Insurance Company ought to have settled the claim on non standard basis. The Insurance Company cannot repudiate the claim in toto in case of loss of vehicle due to theft.
// 12 //
14. In the facts and circumstances of the case, the real question is whether, according to the contract between the respondent and the appellant, the respondent is required to be indemnified by the appellant. On the basis of the settled legal position, the view taken by the State Commission cannot be faulted and the National Commission has correctly upheld the said order of the State Commission"
18. Baljeet v. United India Insurance Company Limited., 2014 (1) CPR 61 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk vfHkfu/kkZfjr fd;k x;k gS fd %& "12. The above issue is no more resintegra. Similar question came up for consideration before the National Commission in the matter of United India Insurance Company Limited Vs. Gian Singh (2006) 2 CPJ 83 (NC) wherein it has been held that in case violation of conditions of the policy so as to nature of use of the vehicle, the claim ought to be settled on a non-standard basis.
13. The question whether the insurance company is justified in repudiating the claim of the insured for violation of the terms and conditions of the insurance policy in the case of theft of vehicle came up before the Hon'ble Supreme Court in the matter of National Insurance Company Limited Vs. Nitin Khandelwal (2008) 11 SCC 259, wherein the Hon'ble Supreme Court observed thus :
"In the case in hand, the vehicle has been snatched or stolen. In the case of theft of vehicle breach of condition is not germane. The appellant Insurance Company is liable to indemnify the owner of the vehicle when the insurer has obtained comprehensive policy for the loss caused to the insurer. The respondent submitted that even assuming that there was a breach of condition of the insurance policy, the appellant Insurance Company ought to have settled the claim on non-
// 13 // standard basis. The Insurance Company cannot repudiate the claim in toto in case of loss of vehicle due to theft.
In the instant case, the State Commission allowed the claim only on non-standard basis, which has been upheld by the National Commission. On consideration of the totality of the facts and circumstances in the case, the law seems to be well settled that in case of theft of vehicle, nature of use of the vehicle cannot be looked into and the Insurance Company cannot repudiate the claim on that basis.
In the facts and circumstances of the case, the real question is whether, according to the contract between the respondent and the appellant, the respondent is required to be indemnified by the appellant. On the basis of settled legal position, the view taken by the State Commission cannot be faulted and the National Commission has correctly upheld the said order of the State Commission".
19. Sukhram Kashyap v. National Insurance Company Limited (Appeal No.FA/13/272) decided on 27.05.2014, esa bl vk;ksx }kjk vfHkfu/kkZfjr fd;k x;k gS fd %& "19. Looking to the judgment of Hon'ble National Commission passed in Mohd. Unis vs. United India Insurance Company Limited (Supra) & Baljeet v. United India Insurance Company Limited (Supra), it appears that the breach was not a fundamental breach and hence the respondent (O.P.) (Insurance Company) was required to pay compensation at least on non-standard basis to the appellant (complainant).
20. In the instant case, the copy of the insurance policy was filed by both the parties. In the insurance policy, the Insured Declared Value (I.D.V.) of the vehicle is mentioned as Rs.32,015/-, but the learned District Forum, has dismissed the complaint of the appellant (complainant) and the District // 14 // Forum should have awarded compensation to the appellant (complainant) on non-standard basis i.e. 75% of the I.D.V. of the vehicle. The I.D.V. of the vehicle is Rs.32,015/- and its 75% comes out to Rs.24,011/-."
20. Kanchan Kumar Verma v. National Insurance Company Limited (Appeal No.FA/13/607) decided on 08.07.2014, esa bl vk;ksx }kjk vfHkfu/kkZfjr fd;k x;k gS fd %& "17. On the basis of above judgment, merely on the ground that the respondent/ (complainant) violated the terms and conditions of the insurance policy, the claim of the respondent (complainant) could not be repudiated in toto."
21. bl izdj.k esa vukosnd Øekad&1@fn U;w bafM;k ba';ksjsal daiuh fyfe-
dh vksj ls dsoy bl vk/kkj ij fd vihykFkhZ@ifjoknh ds nkos dks fujLr fd;k gS fd mlus okgu dks vlqjf{kr :i ls NksM+ fn;k Fkk vkSj ifjoknh Loa; mis{kk ds fy, mRrjnk;h gS] ijarq Åij of.kZrvuqlkj U;k;&n`"Vkarkas ds ifjizs{; esa ] dsoy okgu dks fcuk ykWd fd;s NksM+ nsus ek= ls laiw.kZ nkos dks R;Dr ugha fd;k tk ldrk gS A vihykFkhZ vekud vk/kkj ij (Non-Standard) , nkos dk {kfriwfrZ ikus dk vf/kdkjh gS A 22- vukosnd Øekad&1@fn U;w bafM;k ba';ksjsal daiuh fyfe- ikWfylh 'ksM~;wy izLrqr fd;k x;k gS] mlesa okgu ds ?kksf"kr chfer ewY; :- 5]96]467@& ¼ikap yk[k fN;kucs gtkj pkj lkS lMq+lB :i,½ fu/kkZfjr gS vkSj ifjoknh mldk 75% vekud vk/kkj ij (Non-Standard) , {kfriwfrZ ikus dk // 15 // vf/kdkjh gS ] tks :-4]47]350-25@&¼pkj yk[k lSarkyhl gtkj rhu lkS ipkl :i, iPphl iSls½ gksrk gS] ftls iw.kkZad esa :-4]47]350@&¼pkj yk[k lSarkyhl gtkj rhu lkS ipkl :i, ½ fu/kkZfjr fd;k tkrk gS] izkIr djus dk vf/kdkjh gS A 23- vihykFkhZ @ifjoknh dh vksj ls izLrqr vihy Lohdkj fd;k tkrk gS A ftyk Qksje }kjk ikfjr vkns'k fnukad&10-08-2015 vikLr fd;k tkrk gS rFkk ;g vknsf'kr fd;k tkrk gS fd vukosnd Øekad&1@fn U;w bafM;k ba';ksjsal daiuh fyfe- ifjoknh dks :-4]47]350@&¼pkj yk[k lSarkyhl gtkj rhu lkS ipkl :i,½ vkns'k fnukad ls 45 fnu ds Hkhrj vnk djsxk A vukosnd Øekad&1@fn U;w bafM;k ba';ksjsal daiuh fyfe-mDr :-4]47]350@&¼pkj yk[k lSarkyhl gtkj rhu lkS ipkl :i,½ jkf'k ij 9% okf"kZd dh nj ls okn izLrqfr fnukad 15-12-2014 ls ysdj jde dh vnk;xh fnukad rd C;kt Hkh vnk djsxk A izdj.k dh ifjfLFkfr dks ns[krs gq, bl vihy dk O;; i{kdkj viuk&viuk ogu djsaxs A ¼ U;k;ewfrZ vkj-,l-'kekZ ½ ¼ lqJh ghuk BDdj ½ ¼Mh-ds-iksn~nkj½ ¼ujsanz xqIrk½ v/;{k lnL;k lnL; lnL;
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