State Consumer Disputes Redressal Commission
United India Insurance Co.Ltd. vs Jagdish Shivhare on 28 February, 2018
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i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh ih- ds- ikWy] vf/koDrkA mRrjoknh dh vksj ls Jh ,l- iaM~;k] vf/koDrkA vkns'k fnukad% 28@02@2018 }kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k vihykFkhZ@vukosnd us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds rgr f++tyk miHkksDrk fookn izfrrks"k.k Qksje] jk;iqj ¼N-x-½ ¼ftls vkxs laf{kIr esa **ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&775@2014 txnh'k f'kogjs fo:} ;qukbZVsM bafM;k ba';ksjsal daiuh fyfeVsM }kjk 'kk[kk izca/kd esa ikfjr vkns'k fnukad&09 uoacj 2017 ftlds }kjk ifjoknh ds ifjokn dks vkaf'kd :Ik // 2 // ls Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS fd vkns'k fnukad ls ,d ekg dh vof/k ds Hkhrj%& **1- vukosnd] ifjoknh dks 2]38]819@&¼nks yk[k vM+rhl gtkj vkB lkS mUuhl :Ik;s½ ifjokn fnukad&08- 12-2014 ls vnk;xh fnukad rd 6 izfr'kr lk/kkj.k okf"kZd C;kt lfgr vnk djsxkA 2- vukosnd] ifjoknh dks mijksDr d`R; ds dkj.k gqbZ ekufld d"V ds fy, 20]000@&¼chl gtkj :Ik;s½ vnk djsxkA 3- vukosnd] ifjoknh dks vf/koDrk 'kqYd rFkk okn O;; ds :Ik esa 2]000@&¼nks gtkj :Ik;s½ Hkh vnk djsxkA** ls nqf[kr gksdj izLrqr fd;k gSA 02- mRrjoknh@ifjoknh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl++ izdkj jgk gS fd ifjoknh ds LokfeRo dh okgu bafMdks dkj dzekad&lh-th- 07,-,u-@9044 dk iSdst ikWfylh izhfe;e nsdj vukosnd chek daiuh ls chek djk;k Fkk ftldk ikWfylh dzekad&02090031130110039073 Fkk tks fnukad&13-11-2013 ls 12-11- 2014 rd ds fy, oS/k ,oa izHkkoh FkkA mDr oklgu dks fnukad&23-01- 2014 dks lqcg 03-30 cts ifjoknh vius fj'rsnkj vkyksd egkscs dks fn;k Fkk tks vius ifjokj ds lkFk mDr okgu ls tk jgk Fkk rHkh ?kVuk LFky xzke fcjlksyk Fkkuk ykycjkZ ftyk ckyk?kkV ij okgu iyVh gks x;k ftlls okgu cqjh rjg ls {kfrxzLr gks x;kA ifjoknh ds mDr okgu dks jk;iqj fLFkr VkVk okgu ds vf/kd`r Hklhu eksVlZ esa ykdj ifjoknh }kjk ejEer djk;k x;k ftlesa yxHkx 3]10]133@&¼rhu yk[k nl gtkj ,d // 3 // lkS rSarhl :Ik;s½ dk O;; gqvk ftldk Hkqxrku ifjoknh }kjk fd;k x;k vkSj okgu dks jk;iqj ykus esa yxHkx 40]000@&¼pkyhl gtkj :Ik;s½ dk [kpkZ vk;kA ?kVuk dh lwpuk vukosnd chek daiuh dks nh xbZ vkSj leLr nLrkostksa lfgr Dyse QkeZ Hkjdj tek fd;k x;k fdUrq vukosnd chek daiuh }kjk leLr nLrkostksa dh tkap&iM+rky djus ds ckn Hkh ifjoknh dk nkok xyr vk/kkj ij fnukad&30-09-2014 dks fujLr dj fn;k x;kA ?kVuk ds le; okgu pkyu djus okyk O;fDr vkyksd egkscs ifjoknh dk fj'rsnkj gS blfy, og okgu dks pyk jgk Fkk rFkk mDr nq?kZVuk dk dkj.k cSBd {kerk ls vf/kd O;fDr dk cSBuk ugha gS tcfd mDr okgu esa cPps Hkh cSBs Fks rFkk pkyd vkyksd egkscs }kjk 'kjkc dk lsou ugha fd;k x;k FkkA bl izdkj vukosnd chek daiuh }kjk ifjoknh ds nkos dks xyr vk/kkj ij fujLr dj lsok esa deh fd;k x;k gS ftlds dkj.k ifjoknh dks ;g ifjokn ykus dh vko';drk iM+h gSA vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkosA 03- vihykFkhZ@vukosnd dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd izkbZosV bafMxks dkj dz- lh- th- 07 ,,u 9044 ds Lokeh }kjk fof'k"V vuqca/kksa] 'krksZa ,oa fofu;eksa ds rgr fnukad&13-11-2013 ls fnukad&12-11-2014 rd dh vof/k ds fy, chek ikWfylh dzekad&0209003110039073 ds varxZr chek vkoj.k izkIr fd;k x;k gS rFkk bl ikWfylh ds vuqlkj ,Dlsl ewY; de fd;s tkus ;ksX; gS ,oa ikWfylh lafonkuqlkj mHk;i{kksa dk dk;Z visf{kr // 4 // gSA lwpuk izkIr gksus ds ckn vukosnd us ln~Hkkfod dk;Zo'k okgu dk LikWV losZ Jh vfer dqekj 'kekZ ds ek/;e ls vkSj QkbZuy losZ Jh jktdqekj 'kekZ ds ek/;e ls djkdj fjiksVZ izkIr fd;k x;k ftuds vuqlkj okgu esa mYysf[kr nq?kZVuk ls usV {kfr 2]38]819@&¼nks yk[k vM+rhl gtkj vkB lkS mUuhl :Ik;s½ vkSj lkWYost dk ewY; 8]500@&¼vkB gtkj ikap lkS :Ik;s½ rd gksuk crk;k x;k Fkk vkSj mDr jkf'k vukosnd] ifjoknh dks rHkh iznku dj ldrh Fkh tc mYysf[kr chek ikWfylh lafonk Hkax u gksuk izekf.kr gksrk gksA vafre losZ{kd Jh jktdqekj 'kekZ ds }kjk mDr okgu ds ejEerksijkar fj&bUlisD'ku Hkh fd;k x;k Fkk ftlds vuqlkj muds }kjk fo'ysf"kr fd;s x;s ikVZ~l dks uohuhd`r@ejEer fd;s tkus dh iqf"V gqbZ Fkh] vr% mDr jkf'k ;Fkksuq:is.k ewY;kafdr gksuk n`"VO; FkkA izLrqr nLrkostksa ls ;g Li"V gS fd Fkkuk ykycjkZ] ftyk ckyk?kkV ds le{k vijk/k dzekad&40@14 fnukad&24-10-2014 dks iathc} djok;k x;k Fkk vkSj mlesa okgu dh {kfr dh frfFk fnukad&23-01-2014 dks nksigj 3-30 cts gksuk rFkk mDr frfFk dks vkyksd egkscs ds }kjk 06 O;fDr;ksa dks mDr okgu esa cSBkdj <ks;k tkuk vkSj vkyksd egkscs ds }kjk u'ks dh gkyr esa ykijokghiwoZd okgu pyk;s tkus ds dkj.k okgu iyVus ls mUgsa pksV yxuk cryk;k x;k Fkk vkSj bl dkj.k gh iqfyl us /kkjk&184 eksVj ;ku vf/kfu;e ds rgr i`Fkd vijk/k Hkh iathc} fd;k x;k FkkA bl izdkj 'kjkc ds izHkko esa jgrs gq, ewfNZr vka[kksa ls vkyksd egkscs }kjk okgu pykrs gq, okgu esa fu;a=.k ugha j[kk tk ldk Fkk ftlls okgu jkLrs esa iyVdj // 5 // nq?kZVukxzLr gks xbZ Fkh tks fd fof/k ,oa chek ikWfylh ds lafonk dk ?kksj mYya?ku gS ftlds dkj.k ifjoknh ds nkos dks fujLr fd;k x;k gSA ifjoknh ,oa vukosnd ds e/; mYysf[kr okgu ds fy, chek ikWfylh] lafonk dk lkj rRo gS] vr,o mlesa of.kZr laiw.kZ vkys[k mHk;i{kksa ij mlh vuq:Ik ca/kudkjh gS tSlk mDr ikWfylh dk izHkko vkSj izknqHkkZo gS vkSj dksbZ Hkh i{kdkj vius ykHk ds fy, ikWfylh esa fy[kh ckrksa dks ifjofrZr ugha dj ldrk gSA vukosnd chek daiuh }kjk lsok esa dksbZ deh ughas dh xbZ gSA ifjoknh] vukosnd ls dksbZ vuqrks"k izkIr djus dk vf/kdkjh ugha gSA vr% ifjoknh dk ifjokn lO;; fujLr fd;k tkosA 04- mRrjoknh@ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k chek ikWfylh dh Nk;kizfr ¼,usD'pj ,,uih&1½] Oghdy fMyhojh jlhn fnukad&13-11-2013 dh Nk;kizfr ¼,usD'pj ,,uih&2½] jftLVsª'ku fMVsYl dh Nk;kizfr ¼,usD'pj ,,uih&3½] vkyksd egkscs dk MªkbZfoax ykbZlsal dh Nk;kizfr ¼,usD'pj ,,uih&4½] izFke lwpuk fjiksVZ dh Nk;kizfr ¼,usD'pj ,,uih&5½] vkijkf/kd izdj.k dzeakd&131@14 e- iz- jkT; }kjk vkj{kh dsUnz ykycjkZ fo:} vkyksd egkscs esa ikfjr fu.kZ; fnukad&28-01-2014 dh Nk;kizfr ¼,usD'pj ,,uih&6½] Hklhu eksVlZ dk VSDl buokbZl dk vly ¼,usD'pj ,,uih&7½] nkok fujLrh i= fnukad&30-09-2014 dk vly ¼,usD'pj ,,uih&8½ izLrqr fd;k gSA 05- vihykFkhZ@vukosnd dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k chek ikWfylh ,oa mlds fu;e ,oa 'krZ dh Nk;kizfr] eksVj Dyse // 6 // QkeZ dh Nk;kizfr] LikWV losZ fjiksVZ fnukad&12-02-2014 dh Nk;kizfr] QkbZuy losZ fjiksVZ fnukad&03-09-2014 dh Nk;kizfr] fj&bUlisD'ku fjiksVZ fnukad&03-09-2014 dh Nk;kizfr] vafre izfrosnu dh Nk;kizfr] izFke lwpuk fjiksVZ dh Nk;kizfr] iqfyl Fkkuk ckjkf'kouh ds }kjk ntZ vijk/k dz-&40@2014 dh Nk;kizfr rFkk nkok fujLrh i= fnukad&30-09- 2014 dh Nk;kizfr izLrqr fd;k gSA 06- mHk;i{k dh vksj ls izLrqr vfHkopu ,oa nLrkosth lk{;ksa ds ifj'khyu Ik'pkr~ ftyk Qksje us vkns'k ikfjr djrs gq, ifjoknh ds ifjokn dks vkaf'kd :Ik ls Lohdkj djrs gq, Åij dafMdk&1 esa of.kZr vuqlkj vuqrks"k iznku fd;k gS ftldss fo:} ;g vihy gSA 07- vihykFkhZ@vukosnd dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ih- ds- ikWy dk rdZ gS fd ftyk Qksje dk vkns'k iw.kZr% =qfViw.kZ gSA okgu esa nq?kZVuk ds le; 07 O;fDr;ksa dks cSBkdj pyk;k tk jgk Fkk vkSj okgu ds pkyd us ykijokgh ,oa mis{kkiwoZd okgu pykdj nq?kZVuk dkfjr fd;k Fkk vkSj ftlds dkj.k ls pkyd ds fo:} /kkjk&279] 337 Hkk- n- la- ,oa /kkjk&184 eksVj ;ku vf/kfu;e] ds rgr vijk/k iathc} dj pktZ 'khV is'k fd;k Fkk vkSj ftlesa pkyd }kjk vijk/k Lohdkj Hkh fd;k x;k Fkk vkSj bl izdkj pkyd lfgr 06 O;fDr okgu esa lokj Fks rFkk ifjoknh ds pkyd ds }kjk /kkjk&184 eksVj ;ku vf/kfu;e dk mYya?ku fd;k x;k gS tks fd chek 'krksZa dk mYya?ku gS vkSj ,slh fLFkfr esa ifjoknh fdlh izdkj dk vuqrks"k izkIr djus dk // 7 // vf/kdkjh ugha gS vkSj ftyk Qksje us tks vkns'k ikfjr fd;k gS og iw.kZr% =qfViw.kZ gSA vr% vukosnd dh vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr fd;k tkosA vukosnd dh vksj ls vius rdZ ds leFkZu esa izFke vihy dzeakd&,Q,@2017@544 f'koiwtu dq'kokgk fo:} fn vksfj,aVy ba';ksjsal daiuh fyfeVs }kjk 'kk[kk dk;kZy; esa ikfjr vkns'k fnukad&08-11-2017 dk voyacu fy;k gSA 08- mRrjoknh@ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ,l- iaM~;k dk rdZ gS fd ifjoknh }kjk fdlh izdkj dh chek 'krksZa dk mYya?ku ugha fd;k x;k gS vkSj uk gh okgu esa {kerk ls vf/kd O;fDr cSBs gq, Fks vkSj dsoy 184 eksVj ;ku vf/kfu;e ds rgr vijk/k iathc} dj fn;s tkus ek= ls ;g ugha dgk tk ldrk fd ifjoknh us chek 'krksZa dk mYya?ku fd;k gS vkSj ,slh fLFkfr esa ftyk Qksje us tks vkns'k ikfjr fd;k gS og iw.kZr% mfpr gSA vr% vukosnd dh vihy fujLr fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k dks ;Fkkor~ j[kk tkosA ifjoknh dh vksj ls vius rdZ ds leFkZu esa New India Assurance Company Ltd. Vs. Konda Srinivasa Rao 2013 (2) CPR 564 (NC), National Insurance Co. Ltd. & Anr. Vs. Binod Kumar Singh IV (2017) CPJ 411 (NC), Oriental Insurance Company Limited Vs. Bhupendra Singh Kanda III (2017) CPJ 267 (Chha.), National Insurance Co. Ltd. Vs. Soma Devi & Ors. II (2012) CPJ 50 (NC) dk voyacu fy;k gSA // 8 // 09- 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 10- ;g Lohd`r gS fd ifjoknh okgu dzekad&lh-th- 07 ,,u@9044 dk iathd`r Lokeh Fkk vkSj mDr okgu fnukad&13-11-2013 ls 12-11-2014 rd dh vof/k ds fy, vukosnd ds ikl chfer FkkA nq?kZVuk gksus ds rF; dks vukosnd }kjk Li"V :Ik ls badkj ugha fd;k x;k gSA ifjoknh dh vksj ls izFke lwpuk&i= rFkk U;kf;d eftLVsªV] izFke Js.kh] okjkflouh ds U;k;ky; esa vijk/k izdj.k dzekad&131@2014 e- iz- jkT; }kjk vkj{kh dsUnz ykycjkZ fo:} vkyksd egkscs esa ikfjr fu.kZ; fnukad&28-01-2014 dh izfr izLrqr fd;k x;k gSA bu nLrkostksa ds ifj'khyu ls Li"V gS fd okgu nq?kZVukxzLr gqvk Fkk vkSj pkyd vkyksd egkscs ds fo:} /kkjk&279 Hkk- n- la- dk vijk/k ntZ fd;k x;k Fkk vkSj pkyd }kjk vijk/k Lohdkj fd;s tkus ij mls /kkjk&279 Hkk- na- la- ds vijk/k ds fy, 500@&¼ikap lkS :Ik;s½ ,oa /kkjk&337 Hkk- na- la- ds vijk/k ds fy, 300@&¼rhu lkS :Ik;s½ ds vFkZn.M ls nf.Mr fd;k x;k Fkk vkSj bl izdkj Li"V gS fd ifjoknh ds pkyd ds }kjk okgu dks mis{kkiwoZd pyk;k x;k Fkk ftlls nq?kZVuk dkfjr gqvk FkkA 11- vukosnd chek daiuh dk eq[; cpko ;g gS fd okgu esa nq?kZVuk ds le; 07 ;k=h ;k=k dj jgs Fks] tcfd okgu dh lhfVax dSisflVh // 9 // 4$1=5 Fkk vkSj nq?kZVuk ds le; pkyd feykdj 07 yksx cSBs Fks tks fd chek 'krksZa dk mYya?ku gSA 12- vukosnd dh vksj ls izFke lwpuk&i= dh izfr izLrqr fd;k x;k gS ftlesa ;g mYysf[kr gS fd vk'kh"k eksgcs] jruk] lksHke] vnhrh] gseyrk Ik'khus cSBs Fks vkSj xkM+h dks vkyksd eksgcs pyk jgk Fkk rFkk vukosnd us izhfr eksgcs] lksHke eksgcs] gseyrk Ik'khus] jruk] vnhrh eksgcs] vk'kh"k eksgcs rFkk pkyd vkyksd eksgcs dk fpfdRlh; ijh{k.k izLrqr fd;k x;k gSA bl izdkj Li"V gS fd okgu esa nq?kZVuk ds le; 06 yksx cSBs Fks] vFkkZr~ fu/kkZfjr {kerk ls 01 O;fDr vf/kd FkkA 13- Lakhmi Chand Vs. Reliance General Insurance , II (2016) CPJ 3 (SC), essa ekuuh; loksZPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Accident was caused on account of rash and negligent driving of offending vehicle. FIR under Sections 337, 338, 304A and 427 of IPC registered against driver of vehicle. Insurance Company not produced any evidence on record to prove that accident occurred on account of overloading of passengers in goods carrying vehicle. For the insurer to avoid liability, breach of policy must be so fundamental in nature that it brings contract to an end. Violation of policy conditions not established. Repudiation not justified."
14. Oriental Insurance Company vs. Girbar Sinh Nandwanshi & Anr. 2015 (3) CPR 299 (NC), essa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& // 10 // "the claim repudiated on ground of overloading, in a case of overloading claim has to be processed on non-standard basis. In case of overloading of a vehicle, beyond licensed carrying capacity, claim preferred by Insured should be paid @ 75% of admissible claim."
15. Oriental Insurance Company Limited & Anr. vs. Rajak 2015 (3) CPR 375 (NC) essa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "In case of overloading of vehicle beyond licence carrying capacity claim is admissible upto 75% on non-standard basis."
16. Ganjpal Patre Vs. Oriental Insurance Company Limited, IV (2016) CPJ 231 (NC), essa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& " In the case of overloading, the claim can be allowed on non-standard basis."
17- bl vk;ksx ds izFke vihy dzekad&,Q,@2017@544 f'koiwtu dq'kokgk fo:} fn vksfj,.Vy ba';ksjsal daiuh fyfeVsM }kjk 'kk[kk dk;kZy; ¼mijksDr½ esa bl vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& ** dsoy bl vk/kkj ij fd okgu esa 12 lokjh cSBs gq, Fks] ifjoknh ds nkos dks vLohdkj djuk mfpr ugha gS] vfirq ifjoknh vekud vk/kkj ij (Non Standard Basis) {kfriwfrZ ikus dk vf/kdkjh gSA** // 11 // 18- bl izdj.k esa losZ;j }kjk {kfr dk vkadyu fd;k x;k gS vkSj losZ;j us 2]38]819@&¼nks yk[k vM+rhl gtkj vkB lkS mUuhl :Ik;s½ {kfr dk vkadyu fd;k gSA 19- tgka rd losZ;j fjiksVZ dk laca/k gS og ,d egRoiw.kZ lk{; gksrk gS vkSj mls ewY;oku lk{; ds :Ik esa xzg.k fd;k tk ldrk gSA 20- pwafd losZ;j dh fjiksVZ ,d fo'oluh; nLrkost gS vkSj losZ;j }kjk {kfr dk vkadyu 2]38]819@&¼nks yk[k vM+rhl gtkj vkB lkS mUuhl :Ik;s½ fd;k x;k gS vkSj ifjoknh vekud vk/kkj ij (Non Standard Basis) vFkkZr~ 75 izfr'kr jkf'k {kfrwfrZ ds :Ik esa ikus dk vf/kdkjh gS tks fd 2]38]819@&¼nks yk[k vM+rhl gtkj vkB lkS mUuhl :Ik;s½ dk 1]79]114-25 ¼,d yk[k mU;klh gtkj ,d lkS pkSng :Ik;s iPphl iSls½ gksrk gS ftls iw.kkZad esa 1]79]114@&¼,d yk[k mU;klh gtkj ,d lkS pkSng :Ik;s½ fu/kkZfjr fd;k tkrk gS] ifjoknh] vukosnd ls izkIr djus dk vf/kdkjh gSA 21- tgka rd C;kt dk laca/k gS] ftyk Qksje us tks fnukad&08-12- 2014 ls 06 izfr'kr lk/kkj.k okf"kZd C;kt fnyk;k gS ogh C;kt 1]79]114@&¼,d yk[k mU;klh gtkj ,d lkS pkSng :Ik;s½ ij fnukad&08-12-2014 ls ifjoknh] dks C;kt fnyk;k tkuk mfpr gksxk rFkk ekufld {kfr ds fy, tks 20]000@&¼chl gtkj :Ik;s½ ,oa okn O;; dk 2]000@&¼nks gtkj :Ik;s½ fnyk;k gS og iw.kZr% mfpr gS vkSj mlesa // 12 // fdlh izdkj dh vfu;ferrk ,oa voS/kkfudrk ugha gS] vr% mls ;Fkkor~ j[kk tkrk gSA 22- mijksDr foospuk ds ifjizs{; esa vihykFkhZ@vukosnd ;qukbZVsM bafM;k ba';ksjsal daiuh fyfeVsM dh vksj ls izLrqr vihy vkaf'kd :Ik ls Lohdkj fd;k tkrk gSA ftyk Qksje us tks vkyksP; vkns'k dh dafMdk&13 dh mi dafMdk&v esa tks vkns'k ikfjr fd;k gS mls ifjofrZr djrs gq, ;g vknsf'kr fd;k tkrk gS fd vihykFkhZ@vukosnd] mRrjoknh@ifjoknh dks 2]38]819@&¼nks yk[k vM+rhl gtkj vkB lkS mUuhl :Ik;s½ dk vekud vk/kkj ij (Non Standard Basis) 75 izfr'kr jkf'k tks fd 1]79]114@&¼,d yk[k mU;klh gtkj ,d lkS pkSng :Ik;s½ gksrk gS] mRrjoknh@ifjoknh dks vkns'k fnukad ls 30 fnol ds Hkhrj vnk djsxk rFkk mDr 1]79]114@&¼,d yk[k mU;klh gtkj ,d lkS pkSng :Ik;s½ ij ifjokn izLrqfr fnukad&08-12-2014 ls jde dh vnk;xh fnukad rd 06 izfr'kr okf"kZd C;kt dh nj ls C;kt Hkh vnk djsxkA ftyk Qksje ds vkyksP; vkns'k dh dafMdk&13 dh mi dafMdk&c ,oa l dks ;Fkkor~ j[kk tkrk gSA bl vihy dk O;; i{kdkj viuk&viuk ogu djsaxsA ¼U;k;ewfrZ vkj-,l-'kekZ½ ¼Mh- ds- iksn~nkj½ ¼ujsanz xqIrk½ v/;{k lnL; lnL;
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