State Consumer Disputes Redressal Commission
The Oriental Insurance Co.Ltd ... vs Khurshid Ansari on 11 February, 2016
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i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh ,u- ds- Bkdqj] vf/koDrkA mRrjoknh dh vksj ls Jh jkeujs'k jkW;] vf/koDrkA vkns'k fnukad% 11@02@2016 }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 varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] dksfj;k] cSdq.Biqj ¼N0x0½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&29@2015 [kq'khZn valkjh fo:) fn vksfj,aVy ba';ksjsal daiuh fyfeVsM }kjk e.My izca/kd esa ikfjr vkns'k // 2 // fnukad&25-08-2015 ftlds }kjk mRrjoknh@ifjoknh ds ifjokn dks Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS fd%& **d- ifjoknh chek daiuh ls nq?kZVuk ds QyLo:Ik gksus okys {kfr ds fy;s 3]40]171@&¼rhu yk[k pkyhl gtkj ,d lkS bdgRrj :Ik;s½ izkIr djus dk vf/kdkjh gSA mDr jkf'k fojks/kh i{kdkj chek daiuh 02 ekg ds vanj ftyk miHkksDrk Qksje cSdqUBiqj esa psd ds ek/;e ls tek djsaxsA ;fn mDr le; lhek ij jkf'k tek ugha dh tkrh gS] ml ij 09 izfr'kr okf"kZd C;kt vkns'k fnukad ls ns; gksxkA [k- fojks/kh i{kdkj chek daiuh ds fo:) :Ik;s&10]000@&¼nl gtkj :Ik;s½ ifjoknh ds ekufld d"V ds en esa vnk djus gsrq vknsf'kr fd;k tkrk gSA lkFk gh okn O;; :Ik;s&2]000@&¼nks gtkj :Ik;s½ Hkh vnk djsxkA x- jkf'k ftyk Qksje ds [kkrs esa tek gksus ij laiw.kZ jkf'k okgu ejEer [kpZ ds en dk gksus ls ifjoknh dks ,dkmaV is;h psd ds ek/;e ls uxn Hkqxrku fd;k tkosA ?k- mHk; i{kksa dk okn O;; fojks/kh i{kdkj chek daiuh ogu 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 ?kVuk fnukad&06-06-2013 dks yxHkx 4%00 cts lqcg ifjoknh ds mRrjoknh@ifjoknh ds LokfeRo dh okgu VkVk ,l dzekad&lh-th-16,@2019 lksugr ls iVuk dh vksj tkrs le; xzke MdbZikjk esa ,d jkgxhj dks cpkus ds iz;kl esa iqfy;k ls Vdjk dj iyV xbZ vkSj nq?kZVuk ds dkj.k okgu cqjh rjg ls {kfrxzLr gks xbZA nq?kZVuk ds le; okgu dks MªkbZoj lqjs'k lksuh pyk jgk FkkA lksugr esa ml le; Hkksyu 'kkg ckck dh etkj esa mlZ py jgk Fkk vkSj etkj // 3 // LFkkuh; yksxksa ds vkLFkk dk dsUnz gSA mRrjoknh@ifjoknh dh ekrk tjhuk csxe okgu pkyd lqjs'k lksuh ds lkFk tkdj pknj p<+kus ,oa viuh okgu dh iwtsk djus ds ckn lqcg okil vk jgh Fkh] mlh le; ;g nq?kZVuk gqbZA mRrjoknh@ifjoknh ds okgu dk chek nq?kZVuk dkfjr gksus ds le; vihykFkhZ@vukosnd ds }kjk fd;k x;k Fkk ftldk chek ikWfylh dzekad&193300@31@2013@0771 gS tks fnukad&26-11-2012 ls 25-22-2013 rd chfer FkhA chek daiuh ds }kjk okgu dk chek djrs le; okgu dh dher 4]19]958@&¼pkj yk[k mUuhl gtkj ukS lkS vaBkou :Ik;s½ vkadh xbZ FkhA bl izdkj nq?kZVuk fnukad dks okgu dk oS/k chek FkkA mRrjoknh@ifjoknh us okgu dks pykus ds fy, oS/k vuqKfIr/kkjh okgu pkyd lqjs'k lksuh vk- jkenRr lksuh dks fu;qDr fd;k Fkk ftldk yk;lsal fnukad&30-12-1985 ls 02-09-2014 rd ds fy, oS/k FkkA mRrjoknh@ifjoknh }kjk chek fu;eksa ds foijhr dksbZ Hkh dk;Zokgh ugha dh xbZ FkhA nq?kZVuk dh fjiksVZ tkosn valkjh vk- Jh fgnk;rqyk valkjh uked O;fDr ds }kjk nwljs fnu Fkkuk iVuk esa ntZ djkbZ xbZ Fkh ftls Fkkuk iVuk }kjk vijk/k dzekad&16@2013 varxZr /kkjk&279] 337 Hkk- na- la- ntZ fd;k x;k FkkA mRrjoknh@ifjoknh }kjk nq?kZVuk dh lwpuk chek diauh dks nsdj nq?kZVuk ls gqbZ {kfr dk vkadyu djus dk fuosnu fd;k x;k rFkk nq?kZVuk gksus ds ckn okgu dks cuokus ds fy, mRrjoknh@ifjoknh us vihykFkhZ@vukosnd ds ikl 4]68]959@&¼pkj yk[k vM+lB gtkj ukS lkS mulB :Ik;s½ dk Dyse is'k fd;k x;k ftls chek daiuh }kjk nkok dzekad&189@2014 ntZ fd;k x;k vkSj chek daiuh }kjk fnukad&19-02-2014 dks mRrjoknh@ifjoknh dk mDr nkok fujLr dj fn;k x;k vkSj nkok fujLr djus ds ckn vihykFkhZ@vukosnd chek daiuh }kjk lacaf/kr nLrkostksa dks iznku ugha fd;k tk jgk Fkk rc mRrjoknh@ifjoknh ds }kjk dsUnzh; yksd lwpuk vf/kdkjh] jk;iqj ds le{k vkosnu djus ij fnukad&23-03-2015 dks nLrkost izkIr gq,A mRrjoknh@ifjoknh dk nkok fujLr djus dk dkj.k // 4 // n'kkZrs gq, chek daiuh us O;Dr fd;k Fkk fd okgu esa ,d vU; ;k=h ds :Ik esa Jherh tjhuk csxe ;k=k dj jgh FkhA ikWfylh dh 'krksZa ds vuqlkj eky okgd ;ku esa fdlh Hkh :Ik esa ;k=h dk ifjogu oftZr gS] bl dkj.k nkok fujLr fd;k tk jgk gSA chek daiuh }kjk ftl vk/kkj ij nkok fujLr fd;k x;k gS og vk/kkj izdj.k dh ifjfLFkfr;ksa esa ykxw gh ugha gksrk gSA bl izdkj vk/kkjghu ,oa vlac) dkj.k dk gokyk nsdj mRrjoknh@ifjoknh dk nkok fujLr djus ds dkj.k chek daiuh us vius }kjk dh tkus okyh lsok esa deh dh gSA mRrjoknh@ifjoknh }kjk yxkrkj iz;klksa ds ckn Hkh chek daiuh ds }kjk dksbZ lquokbZ u djus vkSj fujk/kkj rjhds ls mRrjoknh@ifjoknh dk nkok fujLr dj nsus ds dkj.k mRrjoknh@ifjoknh dks ;g ifjokn ykus dh vko';drk iM+h gSA vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k iznku fd;k tkosA 03- vihykFkhZ@vukosnd dh vksj ls fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd mRrjoknh@ifjoknh ?kVuk ds le; okgu dk mi;ksx iSlsatj ifjogu djus esa dj jgk FkkA chek daiuh }kjk mRrjoknh@ifjoknh ds eky okgd ;ku dk chek] chek 'krksZa ds rgr fd;k x;k FkkA chek daiuh }kjk fdlh izdkj ls lsok esa deh ugha fd;k x;k gSA mRrjoknh@ifjoknh us vius LokfeRo ds okgu dk chek eky okgd ;ku ds :Ik esa djk;k Fkk rFkk mDr okgu dk iath;u Hkh eky okgd ;ku ds :Ik esa gS fdUrq ?kVuk fnukad dks okgu dk mi;ksx mRrjoknh@ifjoknh }kjk lokjh ;ku ds :Ik esa fdjk;k izkIr dj fd;k tk jgk Fkk ftldh iqf"V izFke lwpuk&i= o vfHk;ksx i= ls Hkh gksrh gS vkSj pwafd mRrjoknh@ifjoknh us okgu dk iz;ksx chek 'krksZa ,oa jftLVsª'ku 'krksZa ds foijhr fd;k gS blfy, foLr`r tkap Ik'pkr~ chek daiuh }kjk ikWfylh 'krksZa dk mYya?ku gksus ls mRrjoknh@ifjoknh dk nkok fujLr fd;k x;k gSA ;|fi chek diauh dh {kfriwfrZ dh dksbZ ftEesnkjh ugha curh gS rFkkfi U;k;ky; bl vafre fu"d"kZ Ikj igaqprh gS // 5 // fd chek 'krksZa dk mYya?ku ugha gS vkSj mRrjoknh@ifjoknh {kfriwfrZ ikus dk ik= gS rks chek daiuh vafre losZ fjiksVZ fnukad&26-08-2013 ds vuqlkj lkYost] isafVax rFkk jcj vk;Ve dh dVkSrh Ik'pkr~ fu/kkZfjr {kfr dh jkf'k&2]36]738@&¼nks yk[k NRrhl gtkj lkr lkS vM+rhl :Ik;s½ dk Hkqxrku laca/kh vkns'k fn;k tkuk U;k;ksfpr gksxk tks vafre vkns'kkuqlkj ns; gksxkA mRrjoknh@ifjoknh dk nkok fcykliqj dk;kZy; }kjk fujLr fd;k x;k gS blfy, {ks=kf/kdkj ds vHkko esa mRrjoknh@ifjoknh dk nkok izkFkfed Lrj ij gh fujLr fd;s tkus ;ksX; gSA vr% mRrjoknh@ifjoknh dk ifjokn lO;; fujLr fd;k tkosA 04- ftyk Qksje us mHk;i{k }kjk izLrqr vfHkopu ,oa nLrkosth lk{; ds ifj'khyu ds Ik'pkr~ mRrjoknh@ifjoknh dk ifjokn Lohdkj djrs gq, Åij dafMdk&1 esa of.kZr vuqlkj vuqrks"k iznku fd;k gS ftlds fo:) ;g vihy gSA 05- mRrjoknh@ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k nkok fujLrhdj.k dh lwpuk fnukad&19-02-2014 (Annexure A-
1)] eksVj nkok izi= (Annexure A-2)] f'koe eksVlZ izk- fyfeVsM dk ,fLVesV fnukad&16-07-2013 (Annexure A-3)] losZ;j fjiksVZ fnukad&03-01- 2014 (Annexure A-4)] vafre izfrosnu (Annexure A-5)] izFke lwpuk izfrosnu fnukad&07-06-2013 (Annexure A-6)] tkosn valkjh }kjk okgu nq?kZVuk gksus ds lac/ak esa fyf[kr fjiksVZ (Annexure A-7)] lEifRr tIrh i=d fnukad&07-06-2013 (Annexure A-8 & 9)] eqykfgtk (Annexure A-
10)] Fkkuk izHkkjh] iVuk }kjk ftyk fpfdRlk vf/kdkjh] ftyk fpfdRlky; cSdq.Biqj dks vkgr tjhuk csxe dk ,Dljs IysV dk [kqyklk fjiksVZ iznk; djus ckcr~ izsf"kr i= (Annexure A-11)] okgu eqykfgtk fjiksVZ (Annexure A-12)] chek ikWfylh (Annexure A-13)] lqjs'k dqekj lksuh dk MªkbZfoax ykbZlsal (Annexure A-14)] lfVZfQdsV vkWQ jftLVªs'ku // 6 // (Annexure A-15)] lwpuk ds vf/kdkj ds rgr tkudkjh ckcr~ i= fnukad&23-03-2015 (Annexure A-16) dh lR;kfir izfr izLrqr fd;k gSA 06- vihykFkhZ@vukosnd dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k eksVj LdzqVuh 'khV (Annexure D-1)] chek daiuh dk i= fnukad&11-02-2014 (Annexure D-2)] eksVj chek ds nkos ds Nkuchu dk izi= (Annexure D-3)] ykbZlsal lR;kiu fjiksVZ fnukad&30-01-2014 (Annexure D-4)] losZ;j fjiksVZ fnukad&03-01-2014 (Annexure D-5)] fj&buosfLVxs'ku fjiksVZ fnukad&23-10-2013 (Annexure D-6)] eksVj QkbZuy losZ fjiksVZ fnukad&26-08-2013 (Annexure D-7)] lqjs'k dqekj lksuh dk MªkbZfoax ykbZlsal (Annexure D-8 & 9) dh QksVks dkih izLrqr fd;k gSA 07- vihykFkhZ@vukosnd dh vksj ls milatkr gksus okys fo)ku vf/koDrk Jh ,u- ds- Bkdqj dk ;g rdZ gS fd ftyk Qksje] dksfj;k] cSdq.Biqj dks ifjokn ij laKku ysus dk izknsf'kd {ks=kf/kdkj ugha gSA vihykFkhZ@vukosnd ba';ksjsal daiuh dk dksfj;k] cSdq.Biqj esa dksbZ czkap vkWfQl ugha gS rFkk ba';ksjsal ikWfylh e.My dk;kZy; fcykliqj ls tkjh fd;k x;k gS vkSj vihykFkhZ@vukosnd dk dk;kZy; fcykliqj esa gS rFkk jsiqfM,'ku Hkh fcykliqj dk;kZy; }kjk fd;k x;k gSA ,slh fLFkfr esa ftyk Qksje] dksfj;k] cSdq.Biqj dks ifjokn dh lquokbZ dk {ks=kf/kdkj ugha gS vkSj ftyk Qksje us bl laca/k esa =qfViw.kZ fu"d"kZ fudkyk gSA ftyk Qksje us vius vkyksP; vkns'k dh dafMdk&13 esa dsoy nq?kZVuk LFky dks vk/kkj crkrs gq, ftyk Qksje] dksfj;k dks {ks=kf/kdkj izkIr gksuk crk;k gS tks fd =qfViw.kZ gS vkSj blh vk/kkj ij vihykFkh@vukosnd dh vihy Lohdkj fd;k tkdj ftyk Qksje ds vkns'k dks fujLr djrs gq, ifjokn fujLr fd;s tkus ;ksX; gSA Jh ,u- ds- Bkdqj vf/koDrk dk ;g Hkh rdZ gS fd mRrjoknh@ifjoknh us okgu dk chek eky okgd ;ku ds // 7 // :Ik esa djk;k Fkk vkSj iath;u Hkh eky okgd ;ku ds :Ik esa gqvk gS fdUrq ?kVuk fnukad dks okgu dk mi;ksx mRrjoknh@ifjoknh }kjk okgu esa ;k=h dks cSBkdj fd;k x;k Fkk vkSj ;kf=;ksa ls fdjk;k fy;k x;k FkkA bl izdkj mRrjoknh@ifjoknh }kjk chek 'krksZa dk mYya?ku fd;k x;k gS blfy, chek daiuh us mfpr :Ik ls nkok vLohdkj fd;k gS vkSj blesa fdlh izdkj ls lsok esa dksbZ deh ugha gS ijUrq ftyk Qksje us bu rF;kssa dks /;ku fn, fcuk vkyksP; vkns'k ikfjr fd;k gS tks =qfViw.kZ gSA vr% vihykFkhZ@vukosnd dh vihy Lohdkj djrs gq, ftyk Qksje }kjk ikfjr vkyksP; vkns'k fujLr fd;k tkosA ifj.kker% mRrjoknh@ifjoknh dk ifjokn fujLr fd;k tkosA 08- mRrjoknh@ifjoknh dh vksj ls milatkr gksus okys fo)ku vf/koDrk Jh jkeujs'k jkW; us ftyk Qksje }kjk ikfjr vkyksP; vkns'k dk leFkZu djrs gq, O;Dr fd;k fd mRrjoknh@ifjoknh xzke ikVu] rglhy cSdq.Biqj] ftyk&dksfj;k dk jgus okyk gS vkSj ogha mlus ikWfylh fy;k Fkk rFkk vihykFkhZ@vukosnd dksfj;k ftys esa chek dk O;olk; djrk gS rFkk nq?kZVuk dksfj;k ftys ds Hkhrj gqvk gS blfy, ftyk Qksje] dksfj;k] cSdq.Biqj dks {ks=kf/kdkj izkIr gS vkSj ftyk Qksje us tks fu"d"kZ fudkyk gS og iw.kZr% mfpr gSA mRrjoknh@ifjoknh }kjk fdlh izdkj ls chek 'krksZa dk mYya?ku ugha fd;k x;k gSA ,slh fLFkfr esa vihykFkhZ@vukosnd us nkos dks fujLr dj fuf'pr gh lsok esa deh fd;k gS vkSj blfy, ftyk Qksje us tks vkyksP; vkns'k ikfjr fd;k gS og iw.kZr% fof/k lEer gS vkSj mlesa fdlh izdkj ds gLr{ksi dh vko';drk ugha gSA vr% vihykFkhZ@vukosnd dh vihy fujLr fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k dks ;Fkkor~ j[kk tkosA 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;kA // 8 // 10- loZizFke {ks=kf/kdkj ds laca/k esa tks vk{ksi fd;k x;k gS] ml ij fopkj fd;k tk jgk gSA mRrjoknh@ifjoknh us vius ifjokn&i= esa vihykFkhZ@vukosnd dk irk fn vksfj,aVy ba';ksjsal daiuh fyfeVsM }kjk e.My izca/kd] fn vksfj,aVy ba';ksjsal daiuh fyfeVsM] eaMy dk;kZy; jkek VsªM lsaVj] jktho Iyktk ds lkeus] iqjkuk cl LVS.M jksM] fcykliqj mYysf[kr fd;k gSA mRrjoknh@ifjoknh us chek ikWfylh dh izfr izLrqr fd;k gSA chek ikWfylh Public Carriers Other than Three Wheelers Package Policy-Zone C ds :Ik esa tkjh gqvk gS vkSj mDr ikWfylh fcykliqj ls tkjh fd;k x;k gSA bl izdkj Li"V gS fd vihykFkhZ@vukosnd }kjk tks ikWfylh gS og fcykliqj dk;kZy; ls tkjh fd;k x;k gS rFkk mRrjoknh@ifjoknh dh vksj ls dsoy ;g vfHkopu fd;k x;k gS fd chek dk O;olk; dksfj;k ftys esa Hkh djrk gS ijUrq mRrjoknh@ifjoknh }kjk ;g vfHkopu ugha fd;k x;k gS fd vihykFkhZ@vukosnd dk dksbZ 'kk[kk dk;kZy;] dksfj;k] cSdq.Biqj esa Hkh gS vkSj vius 'kk[kk dk;kZy; ds ek/;e ls dksbZ O;olk; djrk gSA 11- miHkksDrk laj{k.k vf/kfu;e] 1986] dh /kkjk&11 ¼1½ ¼2½ fuEukuqlkj gS%& **¼1½ bl vf/kfu;e ds vU; mica/kksa ds v/khu jgrs gq,] ftyk Qksje dks ,sls fooknksa dks xzg.k djus dh vf/kdkfjrk gksxh tgkWa eky ;k lsok vkSj nkokd`r izfrdj ;fn dksbZ gS] dk ewY; 1{chl yk[k :Ik;s ls vf/kd ugha gksrk gSA} **¼2½ ifjokn fdlh ,sls ftyk Qksje esa lafLFkr fd;k tk,xk ftldh vf/kdkfjrk dh LFkkuh; ifjlhekvksa ds Hkhrj& ¼d½ fojks/kh i{kdkj] ;k tgka ,d ls vf/kd fojks/kh i{kdkj gSa ogka fojks/kh i{kdkj esa ls izR;sd ifjokn ds // 9 // lafLFkr fd, tkus ds le;] oLrqr% vkSj LosPNkiwoZd fuokl djrk gS ;k {dkjckj pykrk gS ;k 'kk[kk dk;kZy; gS} ;k O;fDrxr :i ls vfHkykHk ds fy, Lo;a dk;Z djrk gS ;k ¼[k½ dksbZ fojks/kh i{kdkj] tgka ,d ls vf/kd fojks/kh i{kdkj gks] ifjokn lafLFkr fd;s tkus ds le; oLrqr% vkSj LosPNkiwoZd fuokl djrk gS ;k {dkjckj djrk gS ;k 'kk[kk dk;kZy; gS} ;k O;fDrxr :i ls vfHkykHk ds fy, dk;Z djrk gS ijUrq ,sls dk;Z esa ;fn ftyk Qksje us btktr ns nh gS ;k fojks/kh i{kdkj tks ogka u fuokl djrk gS ;k u gh {dkjckj pykrk gS ;k 'kk[kk dk;kZy; gS} vkSj u O;fDrxr :i ls vfHkykHk ds fy, dk;Z djrk gS] tSlk Hkh gks ml okn esa lfEefyr gks os ,sls lafLFkr fd;s tkus ds fy, mier gks x;s gSa ;k ¼x½ okngsrqd iw.kZr% ;k Hkkxr% iSnk gksrk gSA** 12- bl izdj.k esa vihykFkhZ@vukosnd dk dk;kZy; jktho Iyktk ds lkeus] iqjkuk cl LVS.M jksM] fcykliqj esa fLFkr gS rFkk dksfj;k] cSdq.Biqj esa mldk dksbZ 'kk[kk dk;kZy; ugha gS vkSj fcykliqj dk;kZy; }kjk gh ikWfylh tkjh fd;k x;k gS vkSj ,slh fLFkfr esa dsoy bl vk/kkj ij fd nq?kZVuk lksugr ls iVuk tkrs le; MdbZikjk] ftyk dksfj;k] cSdq.Biqj esa mRiUu gqvk gS] ftyk Qksje] dksfj;k] cSdq.Biqj ds {ks=kf/kdkj ds rgr dksbZ okn dkj.k mRiUu ugha gksrk gS vkSj ,slh fLFkfr esa ftyk Qksje] dksfj;k] cSdq.Biqj dks dksbZ izknsf'kd {ks=kf/kdkj ifjokn ds laKku ysus ds laca/k esa mRiUu ugha gksrk gSA blfy, ftyk Qksje] dksfj;k] cSdq.Biqj dks ifjokn ds laKku dk {ks=kf/kdkj izkIr ugha gS vkSj ftyk Qksje us bl laca/k esa tks fu"d"kZ fudkyk gS og iw.kZr% =qfViw.kZ gSA bl laca/k esa bl vk;ksx ds vihy dzekad&,Q,@12@270 eSustj] ctkt ,fy;kat tujy ba';ksjsal daiuh fyfeVsM fo:) ehjk ckbZ] vkns'k // 10 // fnukad&01-02-2013 ,oa vihy dzekad&,Q,@13@137 czkap eSustj] ctkt ,fy;kat tujy ba';ksjsal daiuh fyfEkVsM fo:) ?kukjke lkgw vkns'k fnukad&21-03-2014 voyacuh; gSA 13- pwafd ftyk Qksje] dksfj;k cSdq.Biqj dks dksbZ {ks=kf/kdkj izkIr ugha gS vkSj vkyksP; vkns'k {ks=kf/kdkj foghu ikfjr vkns'k gSA ,slh fLFkfr esa vihy dks xq.k&nks"k ij fujkd`r fd;k tkuk mfpr ugha gSA dsoy ;g vihy {ks=kf/kdkj ds vk/kkj ij gh Lohdkj fd;k tkuk mfpr gksxkA 14- vr% xq.k&nks"k ij x, fcuk vihykFkhZ@vukosnd dh vihy Lohdkj fd;k tkrk gSA ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad&25-08-2015 bl Lora=rk ds lkFk fujLr fd;k tkrk gS fd mRrjoknh@ifjoknh pkgs rks l{ke {ks=kf/kdkj j[kus okys ftyk Qksje ds le{k ifjokn izLrqr dj ldrk gSA ;fn mRrjoknh@ifjoknh l{ke {ks=kf/kdkj okys ftyk Qksje ds le{k ifjokn izLrqr djrk gS rc mRrjoknh@ifjoknh }kjk ifjokn ,oa vihy ds fujkdj.k esa tks le; O;rhr fd;k x;k gS] ml le; dk eqtjk ¼Setoff½ ¼izfrlknu½ fd;s tkus ds laca/k esa Hkh vuqjks/k dj ldrk gSA bl vihy dk O;; i{kdkj viuk&viuk ogu djsaxsA ftyk Qksje dk ewy vfHkys[k vfoyac ftyk Qksje] dksfj;k] cSdq.Biqj dks okil Hkstk tkosA ¼U;k;ewfrZ vkj- ,l- 'kekZ½ ¼lqJh fguk BDdj½ ¼Mh- ds- iksn~nkj½ ¼ujsanz xqIrk½ v/;{k lnL;k lnL; lnL;
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