State Consumer Disputes Redressal Commission
Shivpujan Kushwaha vs The Oriental Insurance Co. Ltd. on 8 November, 2017
NRrhlx<+ jkT;
miHkksDrk fookn Áfrrks"k.k vk;ksx] iaMjh] jk;iqj vihy Øekad% FA/2017/544.
lafLFkr fnukad: 18.08.2017.
f'koiwtu dq'kokgk vk- jkeizrki dq'kokgk] vk;q&36 o"kZ] fuoklh xzke&lksuxjk] iksLV&lksuxjk] rglhy&izrkiiqj] ftyk&lqjtiqj ¼N-x-½ ---------vihykFkhZ@ifjoknh-
fo:) fn vksfj,aVy ba';ksjsal daiuh fyfeVsM] }kjk&'kk[kk dk;kZy;] eusUnzx<+ jksM ¼vEcsMdj pkSd½ vfEcdkiqj] Fkkuk o rglhy&vfEcdkiqj] ftyk&ljxqtk ¼N-x-½ -------mRrjoknh@vukosnd- le{k% ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k- ekuuh; Jh ujsna z xqIrk] lnL;-
i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh latho 'kekZ] vf/koDrkA mRrjoknh dh vksj ls Jh jkt voLFkh] vf/koDrkA vkns'k fnukad% 08@11@2017 }kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k vihykFkhZ@ifjoknh us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds rgr ftyk miHkksDrk fookn izfrrks"k.k Qksje] vfEcdkiqj] ljxqtk ¼N-x-½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&74@2016 f'koiwtu dq'kokgk fo:} fn vksfj,aVy ba';ksjsal daiuh fyfeVsM }kjk 'kk[kk dk;kZy; esa ikfjr vkns'k fnukad&25-05-2017 ftlds }kjk ifjoknh ds ifjokn dks fujLr fd;k x;k gS] ls nqf[kr gksdj izLrqr fd;k gSA // 2 // 02- vihykFkhZ@ifjoknh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl izdkj jgk gS fd ifjoknh us vukosnd ls vius okgu dzekad&;q-ih- 64 Vh@1293 dk chek laiw.kZ tksf[ke nkf;Ro ds v/khu iSdst ikWfylh ds rgr 20]363@&¼chl gtkj rhu lkS frjlB :Ik;s½ dk Hkqxrku dj fnukad&15-04-2014 ls 14-04-2015 dh vof/k ds fy, djk;k Fkk ftldk ikWfylh dzekad&191400@31@2015@ 597 gSA mDr okgu dk chek vof/k esa nq?kZVuk ds ifj.kke Lo:Ik mn~Hkwr {kfr ,oa nq?kZVuk ls mRiUu vU; {kfr dh iwfrZ gsrq vukosnd chek daiuh nkf;Rok/khu FkkA ifjoknh }kjk vius mDr okgu dks fnukad&20-06-2014 dks fookg lekjksg esa yxus okys lkekuksa ftlesa Mh- ts- lkÅ.M lfoZl ,oa tujsVj vkfn dk ifjogu fd;k tkuk Fkk ds fy, Mh- ts- lkÅ.V lfoZl ds lapkyd jkts'k ukx dks eky ifjogu gsrq fdjk, ij iznku fd;k Fkk tks jkekuqtxat ls lkeku ysdj ykSVrs le; nq?kZVukxzLr gks x;k ftlds ifj.kkeLo:Ik okgu {kfrxzLr gqvk Fkk ftldh lwpuk ifjoknh }kjk vukosnd dks fn;k x;k rc vukosnd chek daiuh }kjk vius losZ;j ds ek/;e ls okgu eas gqbZ {kfr;ksa dk ewY;kadu djk;s tkus ds mijkar ifjoknh dks {kfr jkf'k dk Hkqxrku okgu ejEer djk fy;s tkus ,oa mixr O;; ds fcy izLrqr fd;s tkus ds mijkar Hkqxrku fd;s tkus dk vk'oklu fn;k x;k rc ifjoknh }kjk vius nq?kZVukxzLr okgu dk fjis;fjax djkdj mlesa O;; gqbZ jkf'k&2]25]000@&¼nks yk[k iPphl gtkj :Ik;s½ dk ewy fcy OgkÅpj vukosnd chek daiuh ds le{k izLrqr // 3 // fd;k x;k ijUrq vukosnd chek daiuh }kjk Vky&eVksy djrs gq, i= fnukad&28-03-2013 ,oa 12-04-2015 ds ek/;e ls ifjoknh dk nkok ikWfylh 'krksZa dk mYya?ku gksus dk gokyk nsdj fujLr dj fn;k tcfd ifjoknh }kjk fdUgha Hkh 'krksZa dk mYya?ku ugha fd;k x;k gSA bl izdkj vukosnd chek daiuh }kjk ifjoknh ds nkos dks xyr vk/kkjksa ij fujLr 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- mRrjoknh@vukosnd dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd okgu dz-&;w-ih- 64 Vh@1293 eky okgd ;ku vukosnd chek daiuh ls chek 'krksZa ds rgr fnukad&15-04-2014 ls 14-04-2015 rd chfer Fkk ftldk ikWfylh dz-&191400@31@2015@597 gSA ifjoknh }kjk chek 'krksZa dk mYya?ku djrs gq, nq?kZVuk ds le; okgu esa ;k=h ifjogu fd;k tk jgk Fkk vkSj okgu esa vukf/kd`r :Ik ls 12 yksx ;k=k dj jgs Fks ftldh vuqefr ugha Fkh] tcfd mDr chek ikWfylh ds vuqlkj mDr okgu dh lhfVax dSisflVh 02 FkhA bl izdkj ifjoknh }kjk vukf/kd`r :Ik ls lokfj;ksa dks cSBk;k x;k Fkk ftlls okgu nq?kZVuk dkfjr gks x;kA ,Q- vkbZ- vkj- esa layXu fjiksVZ ds vuqlkj eky okgd okgu esa 12 yksx lokj Fks ftlds dkj.k okgu nq?kZVuk dkfjr gqvk tks fd chek 'krksZa dk mYya?ku gksus ds dkj.k // 4 // ifjoknh ds chek nkok dks fujLr fd;k x;k gS vkSj mldh lwpuk ifjoknh dks i= fnukad&12-04-2015 ds }kjk iznku dh xbZ gSA vukosnd chek daiuh }kjk lsok esa dksbZ deh ugha dh xbZ gSA ifjoknh] vukosnd chek daiuh ls dksbZ vuqrks"k izkIr djus dk vf/kdkjh ugha gSA vr% ifjoknh dk ifjokn lO;; fujLr fd;k tkosA 04- vihykFkhZ@ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k chek ikWfylh dh Nk;kizfr ¼,usD'pj ,&1½] lfVZfQdsV vkWQ jftLVªs'ku dh Nk;kizfr ¼,usD'pj ,&2½] MªkbZfoax ykbZlsal dh Nk;kizfr ¼,usD'pj ,&3½] vukosnd }kjk ifjoknh dks izsf"kr i= fnukad&28-03-2015 dh Nk;kizfr ¼,usD'pj ,&4½] nkok fujLrh i= fnukad&12-04-2015 dh Nk;kizfr ¼,usD'pj ,&5½] vfrfjDr eksVj nq?kZVuk nkok vf/kdj.k] jkekuqtxat ftyk cyjkeiqj }kjk nkok izdj.k dzeakd&18@2014 j.k/khj flag ,oa ,d vU; fo:} fn vksfj,UVy ba';ksjsal daiuh fyfeVsM ,oa nks vU; esa ikfjr vf/kfu.kZ; fnukad&07-11-2015 dh Nk;kizfr ¼,usD'pj ,&6½ izLrqr fd;k gSA 05- mRrjoknh@vukosnd dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k vafre izfrosnu dh Nk;kizfr ¼,usD'pj Mh&1½] izFke lwpuk izfrosnu dh Nk;kizfr ¼,usD'pj Mh&2 ,oa Mh&3½] exZ baVhes'ku dh Nk;kizfr ¼,usD'pj Mh&4 ,oa Mh&5½] uD'kk // 5 // iapk;rukek dh Nk;kizfr ¼,usD'pj ,&6½] 'ko ijh{k.k ds fy, vkosnu ,oa 'ko ijh{kk izfrosnu dh Nk;kizfr ¼,usD'pj ,&7 ,oa 8½] lEifRr tIrh i=d dh Nk;kizfr ¼,usD'pj ,&9 ,oa 10½] vijk/k fooj.k dk QkeZ dh Nk;kizfr ¼,usD'pj ,&11½] pkSdh okMªQuxj Fkkuk clariqj ftyk cyjkeuxj }kjk okgu eSdsfud yfyr fd'kksj ;kno dks eqykfgtk dj fjiksVZ nsus ckor~ izsf"kr i= fnukad&10-07- 2014 dh Nk;kizfr ¼,usD'pj ,&12½] tkap izfrosnu dh Nk;kizfr ¼,usD'pj ,&13½] vukosnd }kjk ifjoknh dks izsf"kr i= fnukad&28- 03-2015 dh Nk;kizfr ¼,usD'pj ,&14½ rFkk nkok fujLrh i= fnukad&12-04-2015 dh Nk;kizfr ¼,usD'pj Mh&15½ izLrqr fd;k gSA 06- mHk;i{kksa dh vksj ls izLrqr vfHkopu ,oa nLrkosth lk{;ksa ds ifj'khyu ds Ik'pkr~ ftyk us ifjoknh ds ifjokn dks fujLr fd;k gS ftlds fo:} ;g vihy gSA 07- vihykFkhZ@ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh latho 'kekZ dk rdZ gS fd ifjoknh okgu dz-&;w-ih- 64 Vh@1293 dk iathd`r Lokeh gS vkSj mDr okgu vukosnd ds ikl fnukad&15-04-2014 ls ysdj fnukad&14-04-2015 dh vof/k ds fy, chfer Fkk vkSj chfer vof/k esa okgu nq?kZVukxzLr gks x;k Fkk ftldh lwpuk ifjoknh us vukosnd dks fn;k Fkk vkSj okgu dk ejEer djok;k Fkk ftlesa 2]25]000@&¼nks yk[k iPphl gtkj :Ik;s½ O;; gqvk Fkk rFkk vukosnd us Hkh {kfr dk ewY;kadu losZ;j // 6 // ds }kjk djok;k Fkk mlds ckn ckn Hkh vukosnd }kjk ifjoknh ds nkos dks vuko';d :Ik ls fujLr dj fn;k gS rFkk ftyk Qksje us Hkh ifjoknh ds nkos dks mfpr :Ik ls foospu uk dj =qfViw.kZ :Ik ls fujLr dj fn;k gSA ifjoknh chek 'krksZa ds vuqlkj {kfriwfrZ dh jkf'k ikus dk vf/kdkjh gSA vr% ifjoknh dh vihy Lohdkj djrs gq, ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr fd;k tkos vkSj ifjoknh dks ifjokn&i= esa of.kZr vuqlkj vuqrks"k iznku dh tkosA 08- mRrjoknh@vukosnd dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh jkt voLFkh dk rdZ gS fd ifjoknh us tks chek ikWfylh izkIr fd;k Fkk og okgu eky okgu Fkk rFkk eky okgu ds fy, ikWfylh tkjh fd;k x;k Fkk tcfd ifjoknh mlesa lokjh <ks jgk Fkk vkSj 12 yksx ;k=k dj jgs Fks tks fd Li"V :Ik ls chek 'krksZa dk mYya?ku gSA vukosnd us nkos dks fujLr dj fdlh izdkj ls lsok esa deh ugha fd;k gSA ftyk Qksje dk vkns'k iw.kZr% mfpr gS vkSj mlesa fdlh izdkj dh vfu;ferrk ,oa voS/kkfudrk ugha gSA vr% ifjoknh dh vihy fujLr fd;k 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;k x;kA // 7 // 10- ;g Lohd`r gS fd ifjoknh okgu dz- ;w- ih- 64 Vh@1293 dk iathd`r Lokeh gS vkSj mDr okgu xqM~l dSfjt okgu ds :Ik esa iathc} Fkk vkSj rRlaca/k esa ,usD'pj ,&1 dk ikWfylh vukosnd }kjk tkjh fd;k x;k Fkk tks fd fnukad&15-04-2014 ls 14-04-2015 rd ds fy, oS/k Fkk vkSj ftldh izhfe;e dh jkf'k&20]353@&¼chl gtkj rhu lkS frjiu :Ik;s½ vnk fd;k x;k Fkk vkSj okgu dk chfer ewY; 4]40]000@&¼pkj yk[k pkyhl gtkj :Ik;s½ FkkA vukosnd us izFke lwpuk&i=] exZ baVhes'ku] 'ko ijh{kk izfrosnu vkfn izLrqr fd;k gSA buds ifj'khyu ls Li"V gS fd ifjoknh ds LokfeRo dh okgu dz- ;w- ih- 64 Vh@1293 nq?kZVukxzLr gqvk FkkA 11- izFke lwpuk&i= ds ifj'khyu ls Li"V gS fd okgu esa nq?kZVuk ds le; ';ke dq'kokgk] lwjt dqekj] u;u flag] v{k; dqekj] xq:Hkatu] jfoUnz] lR;nso] rqykukFk vkfn cSBs gq, FksA izFke lwpuk&i= ,oa exZ baVhes'ku ds ifj'khyu ls Li"V gS fd ,DlhMsaV esa vfuy] lwjt dqekj] u;u flag] v{k; dqekj] lat;] jfoUnz] lR;nso dks pksV yxk Fkk rFkk rqykjke dks xaHkhj pksaV yxk Fkk ftldh ckn esa e`R;q gks x;k FkkA uD'kk iapk;rukek rFkk 'ko ijh{kk izfrosnu ls ;g lkfcr gS fd rqykjke dh e`R;q nq?kZVuk ds ifj.kke Lo:Ik gqvk FkkA bl izdkj Li"V gS fd ftl le; nq?kZVuk gqbZ ml le; okgu esa Åij of.kZr O;fDr ;k=k dj jgs FksA // 8 // 12- vukosnd dh vksj ls vuwi esgrk dks vUos"kd fu;qDr fd;k x;k Fkk vkSj vUos"kd us Hkh viuh fjiksVZ esa ;g ik;k gS fd okgu pkyd vfuy dq'kokgk] f'koiwtu dq'kokgk dk QqQsjk HkkbZ gS tks okgu dks pykrk gS vkSj ml le; okgu esa rqykjke] lR;nso] u;u flag] v{k; dqekj] jfoUnz] c`tfd'kksj] lat; dqekj] xq:Hkatu ,oa lwjt pkSgku lokj Fks vkSj bl izdkj okgu esa 12 yksx lokj FksA bu lc nLrkostksa ls Li"V gS fd ifjoknh ds okgu esa ;k=h ;k=k dj jgs FksA 13- vc ;g ns[kuk gS fd D;k dsoy blh vk/kkj ij fd okgu esa fu/kkZfjr {kerk ls vf/kd ;k=h cSBs gq, Fks] mlh ds vk/kkj ij ifjoknh ds laiw.kZ nkos dks fujLr fd;k tk ldrk gS\ 14- Oriental Insurance Company Limited Vs. Laxmegowda 2017 (4) CPR 129 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "6. The main issue that merits consideration in the matter is whether the insurance company is liable to pay the claim to the insured in terms of the policy in question, keeping in view the fact that 14 passengers were found travelling in a goods-carrying commercial vehicle at the time of the accident. As stated by the petitioner, a contract of insurance is a contract of good faith and the insurer should not be liable to pay any amount, if there had been a breach of the terms and conditions of the policy. However, the matter has been considered in detail by the Hon'ble Apex Court in "Lakhmi Chand vs. Reliance General Insurance // 9 // Co." (supra) and it has been brought out that the insurer was liable to pay the claim, unless there was a fundamental breach of the terms and conditions of the policy in question. The Hon'ble Apex Court while pronouncing their judgment in this case, relied upon an earlier judgment passed by them in "B.V.Nagaraji vs. The Oriental Insurance Company Ltd." [(1996) 4 SCC 647]. In the case "Lakhmi Chand vs. Reliance General Insurance Co." (supra), the District Forum had allowed compensation to the complainant on 'non standard' basis and directed the insurance company to settle the same upto 75% of the amount spent for affecting repairs to the damaged vehicle. The said order of the District Forum was set aside in appeal before the State Commission. The order of the State Commission was upheld by the National Commission as well, but in appeal before the Hon'ble Apex Court, the order of the District Forum was restored. It is evident, therefore, that relying upon this order, the complainant is entitled to get the claim on 'non standard' basis only."
15- Lakhmi Chand Vs. Reliance General Insurance, II (2016) CPJ 3 (SC), esa 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."
// 10 //
16. Oriental Insurance Company vs. Girbar Sinh Nandwanshi & Anr. 2015 (3) CPR 299 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "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."
17. Oriental Insurance Company Limited & Anr. vs. Rajak 2015 (3) CPR 375 (NC) esa 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." 18- mijksDr U;k; n`"Vkarksa ds ifjizs{; esa ifjoknh dk nkok iw.kZr% fujLr ugha fd;k tk ldrk gSA 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 19- vc ;g ns[kuk gS fd D;k ifjoknh fdl lhek rd {kfriwfrZ dh jkf'k izkIr djus dk vf/kdkjh gS\ 20- ifjoknh us vius ifjokn&i= esa ;g crk;k gS fd vukosnd }kjk {kfr;ksa ds ewY;kadu gsrq losZ;j fu;qDr fd;k x;k Fkk] ijUrq // 11 // vukosnd }kjk losZ;j dh fjiksVZ izLrqr ugha fd;k x;k gSA losZ;j dh fjiksVZ ,d egRoiw.kZ lk{; gksrk gS] ijUrq vukosnd us losZ;j fjiksVZ izLrqr ugha fd;k gS vkSj uk gh vius fyf[kr dFku esa losZ;j fjiksVZ ds laca/k esa dksbZ vfHkopu fd;k gSA ifjoknh us vius ifjokn&i= esa ;g crk;k gS fd mlus 2]25]000@&¼nks yk[k iPphl gtkj :Ik;s½ ejEer esa O;; fd;k gS] ijUrq ejEer djkus laca/kh dksbZ Hkh fcy ;k nLLrkost izLrqr ugha fd;k gSA vukosnd dh vksj ls tks nLrkost izLrqr fd;k x;k gS mlesa okgu dk tIrh i= Hkh gS vkSj tIrh i=d esa okgu fidvi dz-&;w-ih- 64 Vh@1293 vkSj mlds chek i=d ,oa vU; izek.k&i= rFkk MªkbZOgj vfuy dq'kokgk dk MªkbZfoax ykbZlsal tIr djuk crk;k x;k gS vkSj tks okgu dk eSdsfudy eqykfgtk djk;k x;k gS og fjiksVZ izLrqr gS ftlesa iqfyl us ;g crk;k gS fd mDr okgu iwjh rjg ls {kfrxzLr gks x;k gS tks fd pyus dh fLFkfr esa ugha gSA gkykafd ifjoknh }+kjk okgu dks fdruk {kfr gqvk gS] blds laca/k esa dksbZ lk{; izLrqr ugha gS] ysfdu iqfyl izfrosnu dks ns[kus ls ;g LokHkkfod gS fd ifjoknh dks okgu ejEer djkus esa yxHkx 2]00]000@&¼nks yk[k :Ik;s½ dk O;; gqvk gksxk vkSj ,slh fLFkfr esa ifjoknh dks mDr 2]00]000@&¼nks yk[k :Ik;s½ dk vekud vk/kkj ij (Non Standard Basis) 75 izfr'kr jkf'k&1]50]000@&¼,d yk[k ipkl gtkj :Ik;s½ {kfriwfrZ ds :Ik esa fnyk;k tkuk mfpr gksxk vkSj bl izdkj ifjoknh] vukosnd ls vekud vk/kkj ij (Non Standard Basis) // 12 // 1]50]000@&¼,d yk[k ipkl gtkj :Ik;s½ {kfriwfrZ izkIr djus dk vf/kdkjh gS rFkk ifjoknh mDr 1]50]000@&¼,d yk[k ipkl gtkj :Ik;s½ ij ifjokn izLrqfr fnukad&05-05-2016 ls ysdj jde dh vnk;xh fnukad rd 09 izfr'kr okf"kZd C;kt dh nj ls C;kt ikus dk Hkh vf/kdkjh gSA 21- tgka rd ekufld {kfr dk laca/k gS] ifjoknh dk okgu eky okgu Fkk vkSj ifjoknh }kjk eky okgu esa ;k=h ys tk;k tk jgk Fkk vkSj ifjoknh ds ifjokn dks vekud vk/kkj ij (Non Standard Basis) Lohdkj fd;k x;k gS rFkk ifjoknh dks C;kt Hkh fnyk;k x;k gSA ,slh fLFkfr esa dqN lhek rd ifjoknh Lo;a mRrjnk;h jgk gS] mls ns[krs gq, ekufld {kfr ds fy, dksbZ jkf'k fnyk;k tkuk mfpr ugha gSA 22- vr% vihykFkhZ@ifjoknh dh vksj ls izLrqr vihy vkaf'kd :Ik ls Lohdkj fd;k tkrk gSA ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad&25-05-2017 vikLr fd;k tkrk gS vkSj ;g vknsf'kr fd;k tkrk gS fd%& 1- vukosnd] ifjoknh dks vekud vk/kkj ij (Non Standard Basis) 1]50]000@&¼,d yk[k ipkl gtkj :Ik;s½ dh jkf'k {kfriwfrZ ds :Ik esa vkns'k fnukad ls 45 fnol ds Hkhrj vnk djsxkA // 13 // 2- vukosnd mDr 1]50]000@&¼,d yk[k ipkl gtkj :Ik;s½ ij ifjokn izLrqfr fnukad&05-05-2016 ls ysdj jde dh vnk;xh fnukad rd 09 izfr'kr okf"kZd C;kt dh nj ls C;kt Hkh vnk djsxkA 3- vukosnd bl vihy dk O;; 3]000@&¼rhu gtkj :Ik;s½ Hkh ifjoknh dks vnk djsxkA ¼U;k;ewfrZ vkj- ,l- 'kekZ½ ¼ujsUnz xqIrk½ v/;{k lnL;
08@11@2017 08@11@2017