State Consumer Disputes Redressal Commission
The New India Insurance Co.Ltd. Through ... vs Jay Shri Ram Paddy Parboling Unit & Jai ... on 20 November, 2015
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i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh ih-ds-ikWy] vf/koDrkA mRrjoknh dh vksj ls Jh egs"k dqekj vxzoky] vf/koDrkA vkns'k fnukad% 20@11@2015 }kjk% ekuuh; lqJh fguk BDdj] lnL;k vihykFkhZ@vukosnd us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e 1986 ds vUrxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] tkatxhj pkaik ¼N-x-½ ¼ftls vkxs laf{kIr esa *ftyk Qksje* lacksf/kr fd;k // 2 // tk,xk½ ds ifjokn izdj.k dzekad CC/2014/01 **t; Jhjke isMh ij ck;fyax ;wfuV ,oa t; Jhjke jkbZl fey fo:) "kk[kk izca/kd] nh U;w bafM;k ba";ksjsal da-fy-** esa ikfjr vkns"k fnukad 19-12-2014] ls {kqC/k gksdj izLrqr dh xbZ gSA ftyk Qksje }kjk mRrjoknh dh ifjokn dks Lohdkj dj vihykFkhZ dks funsZf"kr fd;k fd vkns"k fnukad ls ,d ekg dh vof/k ds Hkhrj 15]27]000@&:- dk Hkqxrku djsxk vU;Fkk 9% okf'kZd dh nj ls mDr jkf"k ij C;kt jde Hkqxrku djus gsrq nkf;Ro/khu gksxk] {kfriwfrZ dh jkf"k 50]000@&:- o okn O;; 3]000@&:- iznku djsxkA 2- mRrjoknh dh ifjokn dk la{ksi lkj bl izdkj gS fd ifjoknh us vius laLFkku dh fcfYMax o e"khu dk chek vukosnd chek daiuh ls djok;k FkkA chek vof/k esa fnukad 03-07-2013 dks ckW;fyax ;wfuV esa vkx yx xbZ] ftlds QyLo:i IykaV dh e"khujh dks Hkkjh {kfr igqaph ,oa 40 Vu /kku dher 6]00]000@&:- ty dj jk[k gks x;kA ifjoknh }kjk mDr ?kVuk dh fjiksVZ Fkkuk MHkjk esa ntZ dh xbZ o vukosnd chek daiuh dks lwfpr fd;k x;kA vukosnd chek daiuh us losZ;j fu;qDr fd;k ftlus rRdky gh jkbZl fey vkdj ?kVuk LFky dk losZ{k.k fd;k o QksVksxzkQ fy;sA Fkkuk MHkjk }kjk uqdlkuh iapukek rS;kj djrs gq, xokgksa ds c;ku lfgr tkap fjiksVZ rglhynkj dks Hkst fn;k x;kA ifjoknh dks IykaV o e"khujh dks nksckjk yxokus etnwjh lfgr 15]27]000@&:- O;; ogu djuk iM+kA ifjoknh }kjk vkxs ;g Hkh dFku fd;k x;k fd ifjoknh us fnukad 27-03-2013 dks mijksDr lHkh nLrkostksa ds lkFk Dyse QkeZ Hkjdj vukosnd chek diauh dks izsf'kr fd;k] ijarq vukosnd chek daiuh }kjk nkok Hkqxrku djus ds ctk; fnukad 27-08-2013 dks i= izsf'kr dj ;g dFku fd;k fd chek daiuh ds losZ;j dks {kfrxzLr e"khuksa dk // 3 // voyksdu djus dk volj ugha fn;k] ftlds dkj.k {kfr dk vkadyu laHko ugha gks ldk gSA ifjoknh ds nkos dk fujkdj.k ugha fd;k x;k bl izdkj chek daiuh us lsok esa fuEurk dh gSA ifjoknh }kjk vukosnd chek daiuh ds fo:) ftyk Qksje ds le{k ifjokn izLrqr dj okafNr vuqrks'k fnyk;s tkus dk fuosnu fd;kA 3- vukosnd chek daiuh }kjk mRrj izLrqr dj viuh izfrj{kk esa ;g vfHkdFku djrs gq, ;g rF; Lohdkj fd;k x;k fd ifjoknh laLFkk dk chek vukosnd chek daiuh }kjk gh fd;k x;k Fkk] ijarq bl rF; ls badkj fd;k x;k fd mDr chek eas laLFkk dk LVkd vkPNkfnr ugha Fkk chek ek= fcfYMax IykaV ,oa e"khujh dk gh fd;k x;k FkkA vukosnd chek daiuh }kjk ifjokn ds "ks'k rF;ksa dk fojks/k fd;k x;k ,oa ;g vfHkdFku fd;k x;k fd ifjoknh }kjk Qk;j ba";ksjsal ikfylh dk mYya?ku fd;k x;k gS ,oa vkx yxus ds ckn LosPN;k iwoZd fgV ,Dlpsatj Vs"kujh dks cny fn;k x;k rFkk losZ;j ds ckj&ckj ekax djus ds ckn gh {kfr dh lax.kuk djus ds fy;s gh mls miyC/k ugha djk;k x;k] ftlds ifj.kkeLo:i vkxtuh ls fgV ,Dlpsatj dks gqbZ {kfr dh x.kuk ugha dh tk ldhA blfy;s ifjoknh dk nkok can dj fn;k x;k] ftlds fy;s ifjoknh Lo;a ftEesnkj gS ,oa bl vk/kkj ij ifjoknh dk nkok fujLr fd;s tkus dk fuosnu fd;k x;kA 4- fo}ku ftyk Qksje }kjk fu'd'kZ fn;k x;k fd vukosnd chek daiuh }kjk ifjoknh ds nkos dk fujkdj.k u dj bZekunkjh ls dk;Z u dj lsok esa deh dh xbZ gS o ;g Hkh fujkd`r fd;k x;k fd ifjoknh }kjk yh xbZ chek ikfylh esa LVkd lfEefyr ugha FkkA vr% /kku dh uqdlkuh ds laca/k esa izfrdj jkf"k chek daiuh ls izkIr djus dk vf/kdkjh ugha gS] ijarq {kfrxzLr e"khu ,oa nwljh e"khu dks fQfVax // 4 // djus ij tks O;; gqvk Fkk tks fd izLrqr fcy ls lefFkZr gqvk Fkk 15]27]000@&:- chek daiuh ls izkIr djus dk vf/kdkjh gSA 5- gekjs le{k vihykFkhZ dh vksj ls Jh ih-ds-ikWy vf/koDrk mRrjoknh dh vksj ls Jh egs"k dqekj vxzoky }kjk vafre rdZ izLrqr fd;s x;s gekjs }kjk vfHkys[k dk ifj"khyu fd;k x;kA 6- vukosnd@vihykFkhZ ds vf/koDrk }kjk vihy Kkiu ds lkFk ,d vU; vkosnu i= vkns"k &41 fu;e&27 O;ogkj izfdz;k lafgrk izLrqr dj vfHkys[k esa 8 nLrkosth lk{; vfrfjDr lk{; ds :i esa xzg.k djus dk fuosnu fd;k x;k ml vkosnu i= ds leFkZu esa "kiFk i= gjsUnz dqekj HkYyk eaMy izca/kd nh U;w bafM;k ,";ksjasl eaMy dk;kZy; jk;x<+ layXu gSA 7- mDr vkosnu dk fujkdj.k loZizFke fd;k tkuk mfpr izrhr gksrk gS ifjoknh@mRrjoknh ds vf/koDrk }kjk vihykFkhZ ds bl vkosnu dk fyf[kr mRrj izLrqr ugha fd;k x;k gS] vfirq rdZ fd;k tkuk vfHkO;Dr fd;k x;k gS mDr nksuksa vkosnu ij nksuksa i{kdkjksa ds rdZ lqus x;s ,oa vkosnu i= dk ifj"khyu fd;k x;kA vukosnd@vihykFkhZ }kjk fuosnu fd;k x;k gS fd mDr leLr nLrkost ftyk Qksje ds le{k chek daiuh ds vf/koDrk }kjk Hkwyo"k izLrqr ugha fd;s tk lds FksA bl dkj.k vukosnd@vihykFkhZ ds fgrks ij izfrdwy izHkko iM+k gSA ifjoknh@mRrjoknh ds vf/koDrk }kjk fuosnu fd;k x;k gS fd leLr nLrkost chek daiuh }kjk ftyk Qksje ds le{k izLrqr fd;s tk ldrs Fks] ijarq tkucw>dj izLrqr ugha fd;s x;s] mDr leLr nLrkost chek daiuh dh gh vfHkj{kk esa Fks vkosnu esa ,slk dksbZ Hkh mfpr Li'Vhdj.k mYysf[kr ugha gS fd D;ksadj ;s nLrkost izLrqr ugha fd;s tk lds Fks\ // 5 // gekjs }kjk ewy vfHkys[k dk ifj"khyu fd;k x;kA vukosnd@vihykFkhZ chek daiuh }kjk ftyk Qksje ds le{k fnukad 22- 11-2014 dks Dyse QkeZ ek= tek fd;k Fkk vU; dksbZ Hkh nLrkost izLrqr ugha fd;s x;s tcfd vk;ksx ds le{k chek ikfylh dza- 45090311120100000433 e; "krsZ] vfXuchek nkok fnukad 27-07-2013 chek ikfylh dza- 45090311120100000434 e; "krsZ] vfXu chek nkok fnukad 27-07-2013 chek daiuh ds }kjk izsf'kr i= fnukad 27-08-2013] losZ{kd dk i= fnukad 08-08-2013] ifjoknh@mRrjoknh dk i= fnukad 09-09-2013 ,oa losZ{k.k fjiksVZ gSA vukosnd@vihykFkhZ }kjk vius vkosnu i= esa larks'kizn Li'Vhdj.k ugha fn;k x;k gS fd D;ksadj mDr nLrkost ftyk Qksje ds le{k izLrqr ugha fd;s tk lds Fks\ tcfd mDr leLr nLrkost chek daiuh dh gh vfHkj{kk esa FksA O;ogkj izfdz;k lafgrk vkns"k &41 fu;e&27 tks fd fuEukuqlkj gS%& **27- vihy U;k;ky; esa vfrfjDr lk{; dk is'k fd;k tkuk& ¼1½ vihy ds i{kdkj vihy U;k;ky; esa vfrfjDr lk{; pkgs og ekSf[kd gks ;k nLrkosth] is'k djus ds gdnkj ugha gksaxs fdUrq] ;fn& ¼d½ ml U;k;ky; us ftldh fMdzh dh vihy dh xbZ gS] ,slk lk{; xzg.k djus ls badkj dj fn;k gS tks xzg.k fd;k tkuk pkfg, Fkk] vFkok [¼dd½ og i{kdkj tks vfrfjDr lk{; is'k djuk pkgrk gS ;g fl} dj nsrk gS fd og lE;d~ rRijrk dk iz;ksx djus ds ckotwn ,sls lk{; dh tkudkjh ugha j[krk Fkk ;k mls ml le; is'k ugha dj ldrk Fkk tc og fMdzh ikfjr dh xbZ Fkh ftlds fo:n~/k vihy dh xbZ gS] vFkok] ¼[k½ vihy U;k;ky; fdlh nLrkost ds is'k fd, tkus dh ;k fdlh lk{kh dks ijh{kk dh tkus dh vis{kk ;k rks Lo;a fu.kZ; lqukus esa leFkZ gksus ds fy, ;k fdlh vU; lkjoku gsrq ds fy, djs] // 6 // Rkks vihy U;k;ky; ,sls lk{; dk fy;k tkuk ;k nLrkost dk is'k fd;k tkuk ;k lk{kh dh ijh{kk dk fd;k tkuk vuqKkr dj ldsxkA ¼2½ tgka dgha vfrfjDr lk{; is'k djus ds fy, vihy U;k;ky; vuqKk ns nsrk gS ogka U;k;ky; ,sls lk{; ds xzg.k fd, tkus ds dkj.kksa dks ys[kcn~/k djsxkA** izLrqr izdj.k esa vukosnd@vihykFkhZ daiuh }kjk izLrqr nLrost iwoZ ls mldh vfHkj{kk esa Fks o ftyk Qksje ds le{k izLrqr ugha fd;s x;sFksA mDr nLrkostksa dks ftyk Qksje ds }kjk ysus ls badkj ugha fd;k x;k Fkk ,slh fLFkfr esa izko/kkuksuqlkj vkosnu Lohdkj ;ksX; ugha gS vr% fujLr fd;k tkrk gSA 8- vukosnd@vihykFkhZ ds fo}ku vf/koDrk Jh ikWy }kjk gekjs le{k eq[;r% ;g rdZ fd;k x;k fd ftyk Qksje }kjk {kfr jkf"k ds ewY;kadu esa =qfV dh gS chek ikfylh ds vuqlkj /kku dk LVkd vkPNkfnr ugha Fkk vr% bl laca/k esa 6]00]000@&:- dk chek nkok ifjoknh }kjk fujFkZd fd;k x;k Fkk ,oa fgV ,Dlpsatj gsrq jkf"k 15]27]000@&:--¼iUnzg yk[k lRrkbZl gtkj :i;s½ dk nkok djrs le; ;g dFku fd;k Fkk fd 1]15]000@&:- dk og Lor% ifjR;kx djrk gS bl izdkj ifjoknh us ifjokn i= esa 13]77]000@&:--¼rsjg yk[k lr~gRrj gtkj :i;s½ nkok jkf"k n"kkZ;h xbZ gS fQj Hkh ftyk Qksje }kjk bl rF; dks vuns[kk djrs gq, 15]27]000@&:--¼iUnzg yk[k lRrkbZl gtkj :i;s½ vknsf"kr fd;k gSA ekuuh; ftyk Qksje }kjk ;g Hkh vuns[kk fd;k gS fd ifjoknh us viuh laLFkk esa LFkkfir fgV ,Dlpsatj dks [kqyok fn;k Fkk ftldh lwpuk losZ{kd o chek daiuh dks ugha nh xbZ Fkh tks fd cgqr egRoiw.kZ Fkk bl izdkj ifjoknh@mRrjoknh us chek "krZ dza- 6 o 7 dk mYya?ku fd;k gS vr% og chek ykHk izkIr djus dk vf/kdkjh ugha gSA ftyk Qksje }kjk {kfr ewY;kadu esa viotZu voewY;u o lkYost ewY; dk lek;kstu // 7 // ugha fd;k gS u gh dksbZ fyf[kr izek.k ds vk/kkj ij ewY;kadu fd;k gSA ftyk Qksje }kjk bl rF; dks Hkh vuns[kk fd;k x;k gS fd {kfrxzLr oLrqvks ds ewY;kadu gsrq losZ{kd dks lg;ksx ugha fn;k x;k Fkk chek fgr ds vHkko esa ifjoknh@mRrjoknh chek daiuh ls fgV ,Dlpsatj dk ewY; gh izkIr ugha dj ldrk gS bl izdkj ftyk Qksje }kjk ikfjr =qfViw.kZ vkns"k vikLr fd;s tkus dh izkFkZuk dh xbZA vukosnd@vihykFkhZ ds fo}ku vf/koDrk }kjk fuEufyf[kr U;k;n`'Vkarksa ij fo"okl fd;k x;kA "IV(1014) CPJ 356 (NC), Hind Auto Center V/s National Insurance Co. Ltd.
Consumer Protection Act, 1986- Section 21(a)(g), 14(1)(d)] 21(b)- Insurance - Theft- Surveyor appointed- Loss assessed - Claim repudiated on basis of survey report- District Forum allowed complaint- State Commission allowed appeal- Hence revision- Complainant has not led any cogent and convincing evidence to rebut report of surveyor- Mere assumption and presumption by way of affidavit of complaint cannot be taken as trustworthy- Impugned order upheld.
III(2010) CPJ 339(NC)] Pentagaon Steel Pvt. Ltd. Vs. New India Assurance Co. Ors.
Consumer Protection Act, 1986-Section 21(a) - Insurance Act, 1983- Section 64UM(2) - Insurance-Fire Policy- Damage due to cyclone- Surveyor assessment - Licensed Surveyors appointed by insurance company Only authorized to assess damage- Claim settled - Complainant prayed for enhanced claim and compensation- Reports of 2 Surveyors appointed under Section 64UM of Insurance Act a valuable piece of evidence- Their reports given credence over reports of Surveyors appointed by complainants who are interested persons, otherwise also report // 8 // cryptic and does not provide sufficient basis for compensation demanded- Complainant highly exaggerated claim amount- Not entitled to any amount beyond what already paid- Settlement of claim justified.
2010 NCJ 762(NC), New India Assurance Co. Ltd. Vs. M/s. Anil Traders Insurance Claim-Granting of Held-Since the insurance under takes to compensate the loss suffered by the insured on account of the risks covered by the insurance policy, the terms of agreement have to be strictly construed to determine the extent of liability of insurer-Insured cannot claim anything more than what is covered by the insurance policy."
9- ifjoknh@mRrjoknh ds fo}ku vf/koDrk }kjk gekjs le{k eq[;r% ;g rdZ fd;k x;k fd ftyk Qksje }kjk ikfjr vkns"k mfpr o U;k;laxr gS mlesa gLr{ksi dh vko";drk ugha gSA ifjoknh@mRrjoknh }kjk vukt dk Hkh chek djok;k x;k Fkk nq?kZVuk mijkar ifjoknh@mRrjoknh }kjk vusdksa ckj chek daiuh dks i= fy[kk x;k] ijarq fQj Hkh dHkh Hkh losZ;j fujh{k.k ds fy;s ugha vk;k FkkA vihy fujLr fd;s tkus dh izkFkZuk dh xbZA 10- fo}ku ftyk Qksje }kjk vius vkns"k dh dafMdk&11 esa ;g /kkfjr fd;k gS fd ^^vukosnd@vihykFkhZ chek daiuh o mlds losZ{kd dks ifjoknh }kjk i= fy[kdj {kfrxzLr e"khu dh fujh{k.k dh lwpuk nh xbZ Fkh ijarq vukosnd@vihykFkhZ chek daiuh }kjk {kfrxzLr fgV ,Dlpsatj dk fujh{k.k D;ksa ugha fd;k x;k\** vr% ftyk Qksje }kjk {kfr dk ewY;kadu ifjoknh@mRrjoknh }kjk izLrqr fcyksa ds vk/kkj ij fd;k x;k gSA gekjs }kjk vfHkys[k esa ifjoknh@mRrjoknh }kjk izLrqr nLrkostksa // 9 // dk ifj"khyu fd;k x;kA ifjoknh }kjk losZ;j rq'kkj pkSgku dk fcy ua- 191@02@13&14 fnukad 25-12-2013 dh izfr izLrqr dh gS] ftlesa losZ;j dks "kqYd 2]460@&:- dk Hkqxrku fd;k x;k gSA ifjoknh@mRrjoknh ds vuqlkj t; Jh jke isMh ijck;fyax ;wfuV ,oa t; Jhjke jkbZlehy cksM+klkxj rglhy eky[kjkSnk ftyk tkatxhj pkEik esa fLFkr gSA vkxtuh ds ckn ifjoknh@mRrjoknh }kjk fgV ,Dlpsatj e"khu dks cnyok fn;k x;k Fkk ftldh lwpuk chek daiuh dks ifjoknh@mRrjoknh }kjk i= fnukad 03-09-2013 ds ek/;e ls nh xbZ Fkh] ftlesa lwfpr fd;k x;k Fkk fd ^^{kfrxzLr e"khu dks /kerjh ls okil eaxok fy;k x;k gSA** blds i"pkr~ vf/koDrk v"kksd dqekj ik.Ms; }kjk iszf'kr lwpuk i= fnukad 08-10-2013 ds ek/;e ls nh xbZ Fkh ftles dafMdk &7 esa fuEukuqlkj dFku fd;k x;k gS%& ^^gekjs vklkeh us tyh e"khuksa dks cnyok fy;k gSa {kfrxzLr e"khu jkblehy ifjlj esa j[kk gSA ftls vkids losZ;j ;k vki dHkh Hkh vkdj ns[k ldrs gSA** bl izdkj ifjoknh@mRrjoknh }kjk chek daiuh dks tyh gqbZ e"khus jkbZl ehy ifjlj esa gh gksuk crk;k FkkA tcfd chek daiuh }kjk viuh mRrj dh dafMdk&8 esa vfHkdFku fd;k gS fd%& ^^losZ;j us vkosnd ls iwNrkN fd;k rks mlus fgV ,Dlpsatj /kerjh esa gksuk crk;k ijarq og fgV ,Dlpsatj vkosnd ds fey esa ;k /kerjh esa tkap ds fy, miyC/k ugha fd;k x;k vkSj fgV ,Dlpsatj dks gqbZ {kfr dh x.kuk ugha gks ldhA** blls Li'V gksrk gS fd {kfrxzLr e"khu miyC/k djkus dh lwpuk fn;s tkus ds ckn Hkh chek daiuh }kjk ml e"khu dk fujh{k.k ugha fd;k x;k FkkA ;|fi chek daiuh ds vf/koDrk }kjk ftyk Qksje ds le{k izfrj{kk esa ;g vfHkdFku fd;k x;k Fkk fd ^^losZ;j ds }kjk ckj&ckj ekax fd;s tkus ij Hkh {kfr dh lax.kuk ds fy;s e"khu miyC/k // 10 // ugha djkbZ xb]Z ftlls {kfr dk ewY;kadu ugha gks ldk Fkk blfy;s nkok can dj fn;k x;kA** ,slh fLFkfr esa tc chek daiuh ;g [kqn Lohdkj dj jgh gS fd {kfr ewY;kadu ugha gks ik;k Fkk ,oa ;g Hkh rdZ fd;k tk jgk gS fd losZ fjiksVZ ekU; gSA mDr rdZ Lohdkj ;ksX; ugha gSA ifjoknh@mRrjoknh }kjk losZ{kd dks lE;d :i ls lwfpr fd;k x;k Fkk losZ{kd }kjk {kfrxzLr e"khu dk {kfr ewY;kadu djus gsrq losZ ugha fd;k x;k Fkk ,slh fLFkfr esa losZ fjiksVZ dks lgh o mfpr ugha ekuk tk ldrk FkkA bl izdkj ftyk Qksje }kjk izLrqr fcyksa ds vk/kkj ij gh {kfriwfrZ dh jde dh x.kuk dj mfpr vkns"k gh fd;k x;k gSSA 11- ftyk Qksje }kjk {kfriwfrZ dh jde dk vkadyu fcy ds vk/kkj ij 15]27]000@&:--¼iUnzg yk[k lRrkbZl gtkj :i;s½ fd;k gSA,oa ifjokn i= esa ifjoknh }kjk {kfriwfrZ jkf"k dk nkok fuEukuqlkj fd;k x;k gS%& ^^10- ;g fd ifjoknh fey vkSj e"khujh vkSj ijck;fyax IykaV esa izkslsl esa Mkys x;s /kku ds ewY; lfgr 21]27]000@&:- dh {kfriwfrZ izkIr djus ds vf/kdkjh gSA ijarq vkosnd mDr nkos esa ls 1]50]000@&:- dk R;kx dj 19]77]000@&:- dk nkok izLrqr dj jgk gSA** bl izdkj ftyk Qksje }kjk ifjoknh@mRrjoknh }kjk ifjR;kx dh xbZ jkf"k 1]50]000@&:--¼,d yk[k ipkl gtkj :i;s½ dk lek;kstu ugha fd;k x;k gSA gekjs erkuqlkj iznRr vuqrks'k jkf"k esa ls 1]50]000@&:--¼,d yk[k ipkl gtkj :i;s½ ?kVkdj chek daiuh "ks'k jkf"k vFkkZr~ 13]77]000@&:--¼rsjg yk[k lr~gRrj gtkj :i;s½ dk Hkqxrku djus gsrq nkf;Ro/khu gSA 12- mijksDrkuqlkj izdj.k ds rF;ksa o nLrkostksa ij fopkj&foe"kZ djus ds mijkar ge bl fu'd'kZ ij igqaprs gS fd chek daiuh }kjk izLrqr vihy vkaf"kd :i ls Lohdkj fd;s tkus ;ksX; gS vkaf"kd :i // 11 // ls Lohdkj dh tkrh gS o ftyk Qksje }kjk iznRr vuqrks'k dafMdk&13 v esa mYysf[kr {kfriwfrZ dh jkf"k 15]27]000@&:-¼iUnzg yk[k lRrkbZl gtkj :i;s½ ds LFkku ij fuEukuqlkj ifjorZu fd;k tk jgk gSA v- vukosnd chek daiuh] vkosnd dks vkns"k fnukad ls ,d ekg ds Hkhrj 13]77]000@&:-¼rsjg yk[k lr~gRrj gtkj :i;s½ dh jkf"k vnk djsxk vU;Fkk mDr jkf"k ij vkosnd dks vkosnu fnukad ls vnk;xh rd 9 izfr"kr okf'kZd dh nj ls C;kt Hkh vnk djsxkA "ks'k vkns"k mfpr o lgh gS vr% ;Fkkor jgsxkA vihy O;; ds laca/k esa dksbZ vkns"k ugha fd;k tk jgk gSA ¼U;k;ewfrZ vkj-,l- "kekkZ½ ¼fguk BDdj½ ¼Mh- ds- iksn~nkj½ ¼ujsUnz xqIrk½ v/;{k lnL;k lnL; lnL;
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