State Consumer Disputes Redressal Commission
Liberty Videocon General India ... vs Manharan Lal Dewangan & Ors. on 2 April, 2018
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miHkksDrk fookn Áfrrks"k.k vk;ksx] iaMjh] jk;iqj vihy Øekad% FA/2017/812 lafLFkr fnukad: 04-10-2017 fycVhZ fofM;ksdkWu tujy chek daiuh fyfeVsM 10 ¶yksj Vkoj&,] isfuu'kqyk fctusl ikdZ ] xuir jko dne ekxZ yksoj ijsy eqEcbZ 400013 egkjk"Vª -------- vihykFkhZ@vukosnd Øekad&3 fo:} 1- eugj.k yky nsokaxu mez&yxHkx 46 o"kZ] firk Jh Hkqjokjke nsokaxu 2- egsrjhu ckbZ nsokaxu mez&yxHkx 40 o"kZ] iq=h Jh Hkqjokjke nsokaxu 3- dkfyUnh ckbZ nsokaxu mez&yxHkx 38 o"kZ] iq=h Jh Hkqjokjke nsokaxu 4- vtqZu yky nsokaxu mez&yxHkx 36 o"kZ] firk Jh Hkqjokjke nsokaxu 5- Hkqjokjke nsokaxu mez&yxHkx 70 o"kZ] firk Jh nqdygk jke nsokaxu lHkh fuoklh & xzke /kjnsbZ rglhy iFkfj;k] ftyk eqaxsyh ¼N-x-½ eugj.k yky nsokaxu // 2 // firk Jh Hkqjokjke nsokaxu ------------ [email protected] 6- Jheku eq[; dk;Zikyu vf/kdkjh] ftyk lgdkjh dsanzh; cSad e;kZfnr fcykliqj] iz/kku dk;kZy; fcykliqj N-x ------ mRrjoknh@vukosnd Øekad&1 7- Jheku 'kk[kk izca/kd ] ftyk lgdkjh dsanzh; cSad e;kZfnr 'kk[kk ljxkao ] ftyk eqaxsyh N-x -----------mRrjoknh@vukosnd Øekad&2 le{k% ekuuh; U;k;ewfrZ Jh vkj- ,l-'kekZ] v/;{k- ekuuh; Jh Mh-ds-iksn~nkj] lnL; -
ekuuh; Jh ujsanz xqIrk ] lnL; -
i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh vehu vgen [kku vf/koDRkk A mRrjoknh Øekad&1 ls 5 dh vksj ls Jhefr lquank frokjh vf/koDrk A mRrjoknh Øekad&6 ,oa 7 dh vksj ls Jh Mh-ih-ikBd vf/koDRkk A vkns'k fnukad % 02@04@2018 }kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k vihykFkhZ@vukosnd Øekad&3 us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] eqaxsyh ¼N-x-½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k // 3 // tk,xk½ ds ifjokn izdj.k dzekad&14@2015 esa ikfjr vkns'k fnukad& 26-08-2017 ftlds }kjk ifjoknh ds ifjokn Lohdkj djrs gq, ] ;g vkns f'kr fd;k x;k gS fd & ^^1- vukosn d Øekad &3 chek dai uh vkosn dx.k dks vkns' k fnukad ls ,d ekg dh vof/k ds Hkhrj chek nkok jkf'k ds :i esa :- 5]00]000@&¼ikap yk[k :i,½ dk Hkqx rku djsx k lkFk gh mDr jde ij vkosn u fnukad &26-09-2015 ls rkvnk;xh 9 izf r'kr okf"kZd dh nj ls C;kt Hkh vnk djsx k A 2- vukosn d Øekad &3 chek dai uh vkosn dx.k dks ekufld {kfriwf rZ ds :i esa :- 25]000@& ¼iPphl gtkj :i,½ dh jkf'k Hkh vnk djsx k A 4- vukosn d Øekad &3 chek dai uh vkosn dx.k dks okn&O;; ds :i esa :-2000@&¼nks gtkj :i,½ Hkh vnk djsx k A** ls nqf[kr gksdj izLrqr fd;k gS A 02- ifjoknh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl izdkj jgk gS fd ifjoknh Øekad&1 ls 4 e`rdk chfer [kkrsnkj Lo- jkeI;kjhckbZ nsokaxu ifr Jh Hkqjokjke nsokaxu ds mRrjkf/kdkjh gSa o xzkeh.k fdlku gSa vkSj vukosndx.k cSad esa foHkkx ds ftEesnkj vf/kdkjh gSa rFkk i`Fkd&i`Fkd o la;qDr :i ls cSafdax o chek lsok iznku djus ds fy, mRrjnk;h gSa A vukosndx.k cSfdax O;olk; o chek lsokiznkrk gSa tks fd lu~ 2013&2014 esa vius cSad esa [kkrk/kkjdksa dk nq?kZVuk chek djus ds fy, :- 100@&¼,d lkS :i,½ fizfe;e dh jkf'k e`frdk jkeI;kjh ckbZ ls fu;ekuqlkj fnukad&27-11-2013 dks mlds cpr [kkrs ls 100@&¼,d lkS // 4 // :i,½ jkf'k dVkSrh djds izkIr fd;k Fkk] tks :-5]00]000@& ¼ikap yk[k :i,½ nq?kZVuk chek dk Fkk o chfer dks ;k mlds mRrjkf/kdkfj;ksa dks iznku djuk Fkk A Lo-jkeI;kjh ckbZ nsokaxu dh e`R;q fnukad&13-01-2014 dks gks xbZ gS A mDr fnukad dks e`frdk vius ca/kok [kkj [ksr esa frojk j[kokyh djus o ugkus ckYVh ysdj xbZ Fkh ] tks okil ugha vkbZ ] rc mldh [kkst ?kjokyksa us fd;k] rc irk pyk fd e`frdk dh gR;k dj mlds xguksa dks ywV fy;k x;k gS A e`frdk ds 'kjhj esa xaHkhj pksVsa vkbZ Fkh o mDr pksV ds dkj.k mldh e`R;q gks x;h Fkh A mDr ?kVuk dh fjiksVZ Fkkuk iFkfj;k esa fd;k x;k A e`frdk dk nq?kZVuk chek gksus ls ifjoknhx.k us fu;ekuqlkj ifjoknh ds cSad esa lacaf/kr chek jkf'k :-
5]00]000@& ikap yk[k :i,½ izkIr djus ds fy, nLrkost lfgr nkok is'k dj vkosnu fd;k ] ysfdu ifjoknhx.k dks vHkh rd chek Dyse dh jkf'k vnk ugha fd;k x;k gS A bl dkj.k ifjoknhx.k dks ifjokn ykus dh vko';drk iM+h gS A vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkosA 03 vukosnd Øekad&1 ,oa 2 dh vksj ls ftyk Qksje ds le{k fyf[kr dFku bl izdkj jgk gS fd muds }kjk e`rdk Jhefr jkeI;kjh ckbZ ds [kkrs ls o"kZ 2013&2014 esa 100@&¼,d lkS :i,½ fizfe;e jkf'k dkVdj vukosnd Øekad&3 chek daiuh ls mldk nq?kZVuk chek djk;k Fkk A ;g Hkh Lohdkj fd;k x;k fd [kkrk/kkjh Jhefr jkeI;kjh ckbZ dh nq?kZVukRed e`R;q gks x;h A nkok jkf'k Hkqxrku djus dh ftEesnkjh // 5 // vuksond Øekad&3 chek daiuh dh gS ] ftls muds }kjk [kkrk/kkjh Jhefr jkeI;kjh ckbZ dh nq?kZVukRed e`R;q ls voxr~ djk fn;k x;k Fkk A vr% vukosnd Øekad&1 ,oa 2 dh vksj ls izLrqr izdj.k fujLr fd;k tkos A 04 vukosnd Øekad&3 dh vksj ls ftyk Qksje ds le{k izkjafHkd vkifRr bl izdkj jgk gS fd ifjoknh us ftl chek jkf'k ds laca/k esa izLrqr ifjokn ] ml chek jkf'k ds fy, ifjoknh us dHkh Hkh fdlh izdkj dk dksbZ vkosnu vukosnd Øekad&3 ds ikl ugha fn;k Fkk A ifjoknh us ,slk dksbZ nLrkost nkf[ky ugha fd;k gS ] ftlls ;g izrhr gks fd ifjoknh us chek daiuh ds ikl vkosnu fd;k gks vkSj ml chek vkosnu ds izlaLdj.k esa bl vukosnd dh vksj ls lsok eas deh jgh gks A tc rd ifjoknhx.k bl vukosnd dh vksj ls lsok eas deh dk ekeyk ugha lkfcr dj ikrs] rc izLrqr ifjokn Qksje ds le{k miHkksDrk laj{k.k vf/kfu;e ds izko/kkuksa ds rgr~ izpyu ;ksX; ugha gS A vr% izLrqr ifjokn izFke n`"V;k [kkfjt gksus dkfcy gS A 05 ftyk Qksje us mHk;&i{k dh vksj ls izLrqr vfHkopu ,oa nLrkosth lk{;ksa ds ifj'khyu Ik'pkr~ ifjoknh ds ifjokn dks Lohdkj djrs gq, dafMdk&1 esa of.kZrvuqlkj vuqrks"k iznku fd;k gS ] ftlds fo:) ;g vihy gSA // 6 // 06- ifjoknh dh vksj ls vius i{k leFkZu esa lgdkjh dsanzh; cSad e;kZ-
fcykliqj ds cSad 'kk[kk esa fMikftVj lnL;ksa dk O;fDrxr nq?kZVuk chek djus laca/kh i= dh Nk;kizfr ] nq?kZVuk chek dh tkudkjh dh lR;izfrfyfi , lsok lgdkjh lfefr e;kZ ?kjnsbZ dk vly jkeI;kjh nsokaxu dh e`R;q izek.k&i= dh Nk;kizfr ]izFke lwpuk izfrosnu ] 'ko ijh{k.k ds fy, vkosnu ] 'ko ijh{kk izfrosnu ] iklcqd dh Nk;kizfr ] mRrjkf/kdkjh dk vkosnu ] mRrjkf/kdkjh dk izek.k&i= ] dks nLrkost ds :i esa fd;k x;k gS A 07 vukosnd Øekad&1 ,oa 2 dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k iklcqd ds fMVsy dks nLrkost ds :i esa fd;k x;k gS A 08 vihykFkhZ@vukosnd dh vksj ls milatkr gksus okys vf/koDrk Jh vehu vgen [kku dk rdZ gS fd ftyk Qksje dk vkns'k =qfViw.kZ gS A e`frdk Jhefr jkeI;kjh dh chek laca/kh tkudkjh vihykFkhZ@vukosnd dks ugha gS vkSj u gh ifjoknhx.k }kjk nkok izLrqr fd;k x;k gS A vukosnd dks fizfe;e dh jkf'k izsf"kr ugha fd;k x;k gS vkSj ,slh fLFkfr eas ] Rule 4 of Inusurance Regulatory and Development Authority Manner of Reciept of Premium) Regulation, 2002 chek ikWfylh ds v/khu fizfe;e dh jkf'k izkIr gksus ds mijkar gh tksf[ke vkPNkfnr gksrk gS rFkk chek vf/kfu;e dh /kkjk&64 oh-oh- ds vuqlkj ] chek daiuh nkf;Rok/khu gksrk gS ] ijarq bl izdj.k esa chek ikWfylh tkjh ugha fd;k // 7 // x;k gS rFkk e`frdk dh e`R;q nq?kZVukRed izd`fr dh ugha gS A blfy, ifjoknh dk dksbZ lafonktU; ;k lafonkRed nkf;Ro ugha cukrk gS A ftyk Qksje us bu rF;ksa dks /;ku fn;s fcuk vkyksP; vkns'k ikfjr fd;k gS ] tks fd =qfViw.kZ gS A vr% vihykFkhZ dh vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr fd;k tkos A vihykFkhZ us vius rdZ ds leFkZu esa Ranvneet Singh Bagga Vs K.L.M. Royal Dutch Airlines III (1999) CPJ 28 (SC) dk voyacu fy;k gS A 09- mRrjoknh Øekad&1 ls 5 @ifjoknh Øekad&1 ls 5 dh vksj ls milatkr gksus okys vf/koDRkk Jhefr lquank frokjh dk ;g rdZ gS fd e`frdk Jhefr jkeI;kjhckbZ nsokaxu dk vukosnd Øekad&1 ,oa 2 cSad esa [kkrk Fkk vkSj mlds [kkrs ls :- 100@&¼,d lkS :i,½ fizfe;e dh jkf'k dVkSrh dj ] mls O;fDrxr nq?kZVuk ikWfylh ds varxZr chfer fd;k x;k Fkk A fnukad&13-01-2014 dks e`frdk vius ca/kok [kkj [ksr esa frojk j[kokyh djus o ugkus ckYVh ysdj xbZ Fkh ] tks okil ugha vkbZ ] rc mldh [kkst ?kjokyksa us fd;k ] rc irk pyk fd e`frdk dh gR;k dj mlds xguksa dks ywV fy;k x;k gS A e`frdk ds 'kjhj esa xaHkhj pksVsa vkbZ Fkh o mDr pksV ds dkj.k mldh e`R;q gks x;h Fkh ] ftldh lwpuk fof/kor~ fn;k x;k Fkk ] ijarq vukosnd us ifjoknh ds nkos dks Lohdkj ugha dj lsok esa deh fd;k gS vkSj bl izdkj vukosnd Øekad&3 }kjk nkos dks Lohdkj u dj ] lsok eas deh fd;k tkuk vkSj O;olkf;d // 8 // dnkpj.k n'kkZrk gS A vr% vihykFkhZ dh vihy fujLr fd;k tkos A ftyk Qksje }kjk ikfjr vkns'k ;Fkkor~ j[kk tkos A 10- mRrjoknh Øekad&6 ,oa 7@ vukosnd Øekad&2 ,oa 3 dh vksj ls milatkr gksus okys vf/koDrk Jh Mh-ds-ikBd dk rdZ gS fd ftyk Qksje dk vkns'k bl vukosnd ds laca/k esa mfpr :i ls ikfjr vkns'k gS ] mlesa fdlh izdkj ds gLr{ksi dh vko';drk ugha gS A vihykFkhZ dk vihy bl vukosnd ds fo:) fujLr fd;k tkos A 11- geus mHk;&i{k ds fo}ku vf/koDrkx.k dk rdZ Jo.k fd;k rFkk ftyk Qksje ds vfHkys[k ,oa vkyksP; vkns'k dk Hkh ifj'khyu fd;k x;kA 12- ifjoknhx.k dh vksj ls ;g vfHkopu fd;k x;k gS fd e`frdk Jhefr jkeI;kjh ckbZ dh iq= vkSj iqf=;ka gSa vkSj e`frdk Jhefr jkeI;kjh ckbZ dk vukosnd cSad esa [kkrk gS vkSj vukosnd cSad esa [kkrk/kkjdksa dk nq?kZVuk chek djkus ds fy, 100@& ¼,d lkS :i,½ fizfe;e dh jkf'k e`frdk Jhefr jkeI;kjh ckbZ ds [kkrs ls fnukad&27-11-2013 dks dkVk x;k Fkk vkSj ftldk fd chfer ewY; :- 5]00]000@& ¼ikap yk[k :i,½ Fkk A 13- ifjokfnuh dh vksj ls czkap eSustj lsok lgdkjh lfefr /kjnsbZ ] 'kk[kk lkjkxkao ] }kjk fn;s x;s [kkrs dh tkudkjh ls Li"V gS fd e`frdk Jhefr jkeI;kjh ckbZ ifr Jh Hkqjokjke nsokaxu xzke /kjnsbZ ] tkfr dks"Vk dk :-100@& ¼,d lkS :i,½ dh dVkSrh fnukad&27-11-2013 dks chek ds laca/k esa fd;k x;k Fkk A gkykafd ] vihykFkhZ@vukosnd Øekad&3 us fizfe;e dh jkf'k vukosnd Øekad&3 ds le{k tek fd;s tkus ds rF;
// 9 // dks badkj fd;k gS ] ijarq ifjoknh }kjk izLrqr nLrkostksa ls Li"V gS fd e`frdk Jhefr jkeI;kjh ckbZ ds [kkrs ls fizfe;e dh jkf'k dh dVkSrh dh xbZ gS A 14- ifjoknhx.k us vius ifjokn&i= esa crk;k gS fd e`frdk Jhefr jkeI;kjh ckbZ dh e`R;q fnukad&13-01-2014 dks gks xbZ Fkh ] ftlds }kjk fofHkUu izdkj ds nLrkost ifjoknhx.k dh vksj ls izLrqr fd;s x;s gSa A 15- vc ;g ns[kuk gS fd e`frdk Jhefr jkeI;kjh ckbZ dh e`R;q nq?kZVukRed izd`fr dh gS \ 16- ifjoknhx.k us vius ifjokn&i= dh dafMdk&4 esa ;g vfHkopu fd;k gS fd Lo-jkeI;kjh ckbZ nsokaxu dh e`R;q fnukad&13-01-2014 dks gks xbZ gS A mDr fnukad dks e`frdk vius ca/kok [kkj [ksr esa frojk j[kokyh djus o ugkus ckYVh ysdj xbZ Fkh ] tks okil ugha vkbZ ] rc mldh [kkst ?kjokyksa us fd;k] rc irk pyk fd e`frdk dh gR;k dj mlds xguksa dks ywV fy;k x;k gS A mlds ckn ifjoknhx.k us gh vfHkopu fd;k gS fd e`frdk dh gR;k dh x;h Fkh A 17- nsgkrh ukWfylh esa Hkh ;g Li"V :i ls mYysf[kr gS fd e`frdk Jhefr jkeI;kjh ckbZ dks [ksr esa e`r gkykr esa vLr&O;Lr O;oLFkk esa ns[kk x;k Fkk A mlds cnu esa igus pkanh dk dj/ku djhc 60 rksyk] xys esa igus lksus dk eaxy lw= djhcu 10 xzke] ftlesa 7 ux lksus dk ykWfdV Fkk ,oa dku esa igus VkIl dk dher :-77]000@&¼llRrj gtkj // 10 // :i,½ ] ugha gS A vKkr O;fDr us e`frdk ds xys esa xaHkhj pksV igaqpkdj ywV fy;k gS A 18- 'ko&ijh{k.k izfrosnu esa Hkh e`rd ds 'kjhj esa 'ko izjh{k.k djus okys fpfdRld us ysljsVsM ?kko nkfgus fiUuk esa 1cm X .5cm ftlesa jDr ekStwn Fkk ] ik;k Fkk A blh izdkj vkDlhihVy fjtu esa ysljsVsM ?kko Dysfody fjtu esa ysljsVsM ?kko vkSj cka;s Dysfodwyj fjtu esa dVk gqvk ?kko vkfn ik;k x;k gS rFkk fpfdRld us vius fjiksVZ esa Li"V :i ls crk;k gS fd e`frdk dh e`R;q mlds 'kjhj esa vk;h pksVksa ds dkj.k ls Respiratory cardiocirculatory failure crk;k x;k gS A 19- izFke lwpuk i= ] exZ baVhesa'ku] 'ko&ijh{k.k izfrosnu vkfn ds ifj'khyu ls Li"V gS fd e`frdk jkeI;jh ckbZ dh e`R;q gR;kRed izd`fr dh gS A 20- vc ;g ns[kuk gS fd D;k gR;k ls e`R;q dkfjr gksuk nq?kZVukRed izd`fr dk ekuk tk ldrk gS \
21. N. Kabilan vs. New India Assurance Company Limited & Others 2015(2) CPR 227 (NC) esa ekuuh; jk"Vªh; vk;ksx us ;g fu/kkZfjr fd;k gS fd %& "6. On bare reading of the above, it is clear that death benefit under the insurance policy is available to the legal heirs of the deceased insured only if the insured person dies as a direct result of injury sustained from an accident by external, violent and visible means. In the instant case, undisputedly, the deceased insured was murdered. This fact is evident from the copy of the judgment of Second Addl. Sessions Judge, Salem in the murder trial // 11 // pertaining to the death of the insured wherein the late complainant M/s Jayalakshmi was charge-sheeted as one of the accused. On reading of the above judgment, it is clear that the insured Nagarajan was murdered by hitting him on his heading with a spade. Merely because the complainant was acquitted in the said trial by itself would not render the death due to murder into an accidental death. Since Nagarajan was murdered in did not die because of injury sustained in an accident, his death is not covered under the insurance policy, which covers only the accidental death or the injury. Therefore, we do not find any infirmity in the impugned order of the State Commission which may call for interference by this Commission in exercise of revisional jurisdiction. Revision petition is, accordingly, dismissed with no order as to costs."
22. Rita Devi (Smt) And Others v. New India Assurance Co. Ltd. And Another, (2000) 5 Supreme Court Cases 113, esa ekuuh; loksZPp U;k;ky; us ;g fu/kkZfjr fd;k gS fd %& "10. The question, therefore is, can a murder be an accident in any given case ? There is no doubt that "murder", as it is understood, in the common parlance is a felonious act where death is caused with intent and the perpetrators of that act normally have a motive against the victim for such killing. But there are also instances where murder can be by accident on a given set of facts. The difference between a "murder" which is not an accident and a "murder" which is an accident, depends on the proximity of the cause of such murder. In our opinion, if the dominant intention of the Act of felony is to kill any particular person then such killing is not an accidental murder but is a murder simpliciter, while if the cause of murder or act of murder was originally not intended and the same was caused in furtherance of any other felonious act then such murder is an accidental murder.
23 TaTa A.I.G General Ins. Co. Ltd. & anr. Vs Polu Laxmikantham & anr. - III (2015) CPJ 309(NC), Decided on 16.4.2015 esa ekuuh; jk"Vªh; vk;ksx us ;g fu/kkZfjr fd;k gS fd %& "Consumer Protection Act, 1986- Sections 2(1)(g),21(b) -Insurance- Death claim- Bursting of gas cylinder while preparing food- Surveyor appointed- Claim repudiated- Alleged deficiency in service- District // 12 // Forum dismissed complaint by holding that circumstances show that complainant has killed his wife because of differences with his wife in order to get more money from policies-State Commission allowed appeal by holding that death was accidental death by burns while preparing food- Hence revision- Perusal of record clearly reveals that charge-sheet under Section 302, IPC was filed and cognizance was taken- State Commission committed error in not considering charge- sheet and deciding appeal merely on basis of final report-Impugned order set aside."
24- iqfyl izfrosnu ls Li"V gS fd e`frdk Jhefr jkeI;kjh ckbZ dh e`R;q gR;kRed izd`fr dh gS vkSj tks fd nq?kZVuk ds ifj.kkeLo:i ugha gS vkSj blfy, e`frdk Jhefr jkeI;kjh ckbZ dh e`R;q nq?kZVukRed izd`fr dh ugha gksus ds dkj.k ls xqzi ilZuy chek ds varxZr vkPNkfnr ugha gS A QyLo:i ] ifjoknhx.k mDr ikWfylh ds v/khu fdlh izdkj dh jkf'k izkIr djus ds vf/kdkjh ugha gS A ftyk Qksje us mDr rF;ksa dks /;ku fn;s fcuk gh ] ifjoknhx.k ds ifjokn dks Lohdkj djrs gq, ] dsoy bl vk/kkj ij fd e`frdk Jhefr jkeI;kjh ckbZ dh e`R;q gks x;h gS vkSj mldh e`R;q nq?kZVukRed gS ] chek ikWfylh ds v/khu nkok jkf'k fnykus dk vkns'k ikfjr fd;k gS ] ftyk Qksje dk vkns'k fLFkj j[ks tkus ;ksX; ugha gS A 25- mijksDr foospuk ds ifjizs{; esa ] vihykFkhZ@vukosnd Øekad&3@fyCkVhZ fofM;ksdkWu tujy ba';ksjsal daiuh fyfeVsV dh vksj ls izLrqr vihy Lohdkj fd;k tkrk gS A ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad&26-08-2017 vikLr fd;k tkrk gS A ifj.kkeLo:i ] // 13 // ifjokn fujLr fd;k tkrk gS A bl vihy dk O;; i{kdkj viuk&viuk ogu djsaxsA ¼ U;k;ewfrZ vkj-,l-'kekZ ½ ¼Mh-ds-iksn~nkj½ ¼ujsanz xqIrk½ v/;{k lnL; lnL;
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