LIC AAO Capsule PDF

LIC AAO Capsule - 2016
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PRESENTS
Hello Sehpaathians,
We team Sehpaathi brings to you the most awaited LIC AAO General Awareness Capsule to
boost your preparation.
This capsule is a compilation of last 3 months of GK and Current Affairs i.e December, January &
February and along with GK covered in an extensive manner. As this is an Insurance exam so we
have covered insurance part as well in a best manner.
We hope this capsule will be very useful for all of you for a good preparation and you will be
able to crack the LIC AAO with flying colours.
LIC AAO 2016 capsule @ Sehpaathi.in are very important from exam point of view. We have entered
only those content here which might been asked in the question paper in some form or the other. So read
less and learn more is the way of thinking of Sehpaathi. Pay heed to bold items. If you like it do share us
among your friends.
Nation Highlights (INDIA)
Indias first injectible Inactivated Polio Vaccine (IPV) as a part of Global endgame strategy was
launched by Union Government.
First state in India to launch Rotavirus vaccination project will be honoured to Himachal
Pradesh.
Biodiesel for operating of trains will be introduced by South Western Railway zones.
First fully air conditioned double decker train will start operating from Goa to Mumbai by
Ministry of Railways.
Online labs-e learning programme will be launched by Ravi Shankar Prasad, Minister of
Communications & IT.
Maharashtra has become countrys first state to allow the MLAs to raise online questions
Uttar Pradesh government bans use of polythene bags across the State as per the directives of
Allahabad High Court to prohibit its usage.
Maharashtra Chief Minister Devendra Fadnavis inaugurates Indias biggest wildlife rescue
center in presence of State Forest Minister Sudhir Mungantiwar at Nagpur
Jharkhand Government inaugurated land bank web portal jharbhoom.nic.in
Kakatiya thermal plant commissioned in Telangana
Union Cabinet Approved Standup India Scheme to Promote Entrepreneurship among SC/ST and
Women
Operation Dhangu, the codename given to the mission to eliminate the terrorists in the
Pathankot Air Force Station
Punjab Bans Manufacture of Gutkha, Pan Masala
Haryana child sex ratio rises by over 5%
Jallikattu in T.N., bullock cart race in Maharashtra cleared
Mysore to get Indias 1st River Gallery
among your friends.
Kerala First to achieve 100% primary Education
20th National Youth Festival inaugurated in Naya Raipur
BSNL starts 4G service with soft launch in Chandigarh
Sikkim becomes Indias First Fully Organic state
Indias Mukesh Ambani, Azim Premji & two others among worlds 62 super-rich
Maharashtra first state to give maternity leave in Surrogacy
Jodhpurs Umaid Bhawan Palace named the worlds best hotel of 2016
India's first blind friendly train, from Mysuru to Varanasi
AIR launches 24*7 classical music channel
Ahmedabad nominated for UNESCO heritage city tag
Kerala To Host Global Skill Summit
Commemorative Coin of 150 rupees & Circulation Coin of 10 rupees on Lala Lajpat Rai released
French army soldiers became the first foreign military contingent to take part in India's
Republic Day parade
Kerala to launch Transgender run G-Taxi Service.
Low cost motorized wheelchair LOCOMO launched by Union Government for disabled persons.
DIPP gives nod to set up Indias first Defence Industrial Park at Ottappalam.
India gets its first underwater restaurant
Indias 1st railway university to come up in Gujarat.
MGNREGA as scheme completes 10 years
Persons with disability to get Unique identity cards
Infosys to build the Worlds tallest Clock Tower.
Odisha Government allowed tourists into certain tribal areas after three years ban
International Fleet review began at Visakhapatnam
First Kerala Literature Festival began at Kozhikode
Arun Jaitley launches Finance Ministrys official YouTube channel
The Sri Aurobindo International Centre for Education (SAICE),Puducherry has become India's
first fully solar powered educational Institute.
Maharashtra to get Indias 1st International Arbitration centre
Union Government launched 24x7 toll free Tourist Infoline in 12 International Languages
among your friends.
National Deworming campaign launched by Union Health ministry
Assam CM Gogoi unveiled Vision Assam 2030
Union Government released National Framework for Malaria elimination
Elephanta Island off the coast of Mumbai to receive electricity from August 15
Gujarat to have Indias first disabled-friendly beach
Goa may term National Bird Peacock as 'Vermin'
Next phase of Odd-even traffic rationing scheme to be implemented from April 15
1st Mega Food Park in Madhya Pradesh inaugurated at Panwa
Bhubaneswar among cleanest cities in country
National Green Tribunal approved the controversial Hubli-Ankola railway line in Karnataka
Oracle To Open Its First India Campus In Bengaluru.
Rajya Sabha passed the Juvenile Justice (Care and Protection of Children) Bill, 2015.
Indias Latest Ranking in World In Various Sectors:

India 2nd Largest Fruit Producer In World After China
India ranks 52nd in Tourism and Travel Competitive Index: WEF
India slips to 89th rank in global talent competitiveness
India got 130th rank in Human Development Index by upgrading 5 ranks
India ranked 76 in Transparency International Report 2015
India ranked 22nd among worlds best countries
INTERNATIONAL HIGHLIGHTS
Government of Nepal on 20 December 2015 decided to amend the Constitution to address two
key demands of agitating Madhesis regarding proportional representation and constituency
delimitation.
India and France has launched International Solar Alliance (ISA) at the Conference of Parties
(CoP21) Climate Conference in Paris, France
Production of China's first manned electric aircraft RX1E is ready
New Anti-Terrorism law to strip citizenship has been passed by Australia
Chinese capital Beijing issued its first-ever red alert on air pollution
among your friends.
5th Heart of Asia conference has begun at, Islamabad Pakistan
Time magazine has remarked German Chancellor Angela Merkel as Person of the Year 2015
Worlds first dengue fever vaccine Dengvaxia was cleared by Mexico for public use.
Philippines will be hitted by Typhoon Melor
37-metre-tall golden Chairman Mao statue appears in the Chinese countryside
Largest blue star sapphire found in Sri Lanka
Huawei becomes first Chinese company to ship more than 100 million smart phones in a year
India will be Nepal PM Olis first foreign visit
Mein Kampf published in Germany for first time since WWII
Chinas country code domain .cn becomes worlds largest
Burkina Faso's president named Paul Kaba Thieba as Prime Minister
WHO declares LIBERIA ebola-free
Italian town welcomes first baby in 28 years
Strong 7 magnitude earthquake strikes eastern Russia
Vietnam lifted ban on import of Groundnut from India
Worlds first robot-run farm set to open in Japan
The Parliamentray session that will install Myanmar's first democratically elected government
in over 50 years.
Dubai International Airport World's busiest in 2015
Vietnam gets worlds longest cable car system
The United Nations Postal Administration has released six new postage stamps promoting
equality for lesbian, gay, bisexual and transgender people.
Canada imposes restrictions on blood donations to prevent Zika virus
Earthquake of 5.2 magintude hit Indonesia
Strong 6.4 magnitude quake hits Taiwan
Indo Seychelles Joint Military Exercise (EX LAMITYE)
Dubai To Build World's Largest Mall
Gambias President has declared the country an Islamic republic, saying he decided this because
Islam is the religion of the majority of its citizens.
among your friends.
Construction work on the TAPI (Turkmenistan-Afghanistan-Pakistan-India) Gas Pipeline project

started in Turkmenistan.
NEW APPOINTMENTS
INDIA:
President of the Institute of Company Secretaries of India (ICSI) - Mamta Binani
Secretary, Ministry of Food Processing Industries - Avinash K Srivastava
Secretary, Department of Empowerment of Persons with Disabilities, Ministry of Social Justice

and Empowerment - Vinod Agrawal
Secretary, Ministry of Tribal Affairs 14. JS Deepak Telecom Secretary - Shyam S Agarwal
'Incredible India' brand ambassadors - Amitabh Bachchan & Priyanka Chopra
Executive Director of Greenpeace India - Noted environmentalist Ravi Chellam
Chairman of Central Board of Direct Taxes (CBDT) - Atulesh Jindal
President of BJP Party - Amit Shah
Chairman and Managing Director of General Insurance Corporation of India - Alice Vaidyan
Chairman and Managing Director (CMD) of NTPC Ltd 8. Justice Sanjay Mishra Lokayukta of Uttar
Pradesh - Gurdeep Singh
Secretary, Ministry of Micro, Small and Medium Enterprises (MSME) - KK Jalan
Secretary, Department of Agriculture, Cooperation and Farmers Welfare - Shobhana K

Pattanayak
Indias Ambassador to Mexico - Muktesh Kumar Pardeshi
India's ambassador to Israel - Pavan Kapoor
Chief Operating Officer (COO) and President, Wipro - Bhanumurthy B M
Chief Executive Officer (CEO) of Food Safety and Standards Authority of India (FSSAI) - Pawan
Kumar Agarwal
Technology Advisor to the Odisha Government - Satyanarayan Gangaram Pitroda
Deputy Governor of Reserve Bank of India (RBI), for a second three-year term - Dr Urjit R Patel
among your friends.
General President of the 105th Indian Science Congress Association (ISCA) - Dr Achyuta
Samanta
Chairman and Managing Director ,Madras Fertilzers - AB Khare
Chairman, Industry body Internet and Mobile Association of India (IAMAI) - Kunal Shah
Chairman of fair-trade regulator Competition Commission of India (CCI) - Devender Kumar Sikri
Chief Commissioner for Persons with Disabilities (CCPD) - Kamlesh Kumar Pandey
Commissioner of Police of Mumbai - Datta Padsalgikar
Industry Development, Strategic Partnerships and Offsets in Airbus Group - Ashish Saraf
Chief Executive Officer (CEO), Flipkart - Binny Bansal
Chairman of Assocham Karnataka Regional Council - R Shivakumar
12-member board of directors in Asian Infrastructure Investment Bank (AIIB) - Dinesh Sharma
CEO and Managing Director, Mindtree - Rostow Ravanan
Chief Executive Officer and Managing Director, Tata Motors' Group - Guenter Butschek
CMD of Defence PSU BEML Ltd - D.K.Hota
Chairman-cum-Managing Director of Central Mine Planning & Design Institute Ltd - Shekhar
Saran
Chairman and Managing Director (CMD), Bharat Heavy Electricals Limited (BHEL) - Atul Sobti
Country Manager for India, LinkedIn - Akshay Kothari
CEO, Wipro - Abidali Neemuchwala
Registrar General and Census Commissioner Sailesh
Chief Executive Officer (CEO) of NITI Aayog - Amitabh Kant
Chief Justice of Bombay High court - Justice D H Waghela
Ambassador For Make In India - Piruz Khambatta
Director of Indian Institute of Millets Research (IIMR) - Vilas A.Tonapi
New Chairman of TERI - Ashok Chawla
Secretary to the Department of Industrial Policy and Promotion (DIPP) in the Commerce and
Industry Ministry - Ramesh Abhishek
New Australian High Commissioner to India - Harinder Sidhu
Chief Justice of the Orissa High Court - Dhirendra Hiralal Waghela
Executive Vice Chairman of TERI - Rajendra K Pachauri
among your friends.
President of South Asian Wrestling Federation - Brij Bhushan Singh
INTERNATIONAL
New President of Burkina Faso - Roch Marc Christian Kabore
New President of the Royal Society - Sir Venkatraman Ramakrishnan
New Chairperson of the prestigious Radiological Society of North America (RSNA) Board of
Directors - Dr Vijay M Rao (Indian-American)
New President of Argentina - Mauricio Macri
New Finance Minister of South Africa - Pravin Gordhan (Indian-Origin Politician)
New Chief Operating Officer (COO) of Apple Inc - Jeff Williams
12th Prime Minister of Georgia - Giorgi Kvirikashvili
Lifetime achievement award at Asian Business Leadership Forum 2015 - Hinduja Brothers
Golden Peacock Award for Best Film at IFFI 2015 - Embrace of the Serpent (Directed by Ciro
IMPORTANT AWARDS AND HONOURS
Guerra)
E-India Award - Delhi Development Authority (DDA)
ITC Sangeet Samman Award - L Subramaniam (Renowned violinist)
Indian National Bar Association's (INBA) General Counsel of the year 2015 - Pulin Kumar (Group
Senior Legal and Compliance Director of Adidas India)
'Forbes Top 100 Middle East - Global Meets Local 2015' Award - Tech Mahindra
2015 Uttar Pradesh Ratna Award - Frank Islam (Indian-American Entrepreneur)
Life membership of the Marylebone Cricket Club (MCC) - Mahela Jayawardene (former Sri
Lanka Captain)
2016 Queen's Young Leaders award - Indias Kartik Sawhney and Neha Swain
Lifetime achievement award at the Dubai International Film Festival (DIFF) - Naseeruddin Shah
(Veteran Bollywood actor)
2015 Mailer Prize for Lifetime Achievement - Salman Rushdie (India-born author)
2015 Aegis Graham Bell Award for innovation in Internet of Things (IoT) - Wipro
Padma Vibhushan Award - Dilip Kumar (Legendary Bollywood actor)
among your friends.
2015 South East Asian Write Award for Singapore - Jamaludeen Mohamed Sali (Indian-origin
Tamil writer)
Lifetime Achievement Award by the West Bengal Government - Bappi Lahiri and Kumar Sanu
(Veteran music composer)
2016 Genesis Prize- Violinist Itzhak (Israeli-American)
International Artist Grand Prize Competition-2016 - K.S.Kamesh (His painting 'Amalgamation'

was selected for this prize)
Kendra Sahitya Akademi award 2015 - Bibhuti Patnaik (Noted Columnist and Novelist)
Sahitya Akademi awards announces for the year 2015

Poetry: Brajendra Kumar Brahma (Bodo), Dhian Singh (Dogri), Ramdarash Mishra
(Hindi), K.V. Tirumalesh (Kannada), Kshetri Rajan (Manipuri) and Ram Shankar
Awasthi (Sanskrit).
Short stories: Kula Saikia (Assamese), Man Mohan Jha (Maithili), Gupta Pradhan
(Nepali), Bibhuti Pattanaik (Odia), Maya Rahi (Sindhi) and Volga (Telugu).
Novels: Cyrus Mistry (English), Jaswinder Singh (Punjabi) and MadhuAcharya
Ashawadi (Rajasthani).
Essays: Rasik Shah (Gujrati) and A. Madhavan (Tamil).
Plays: UdayBhembre (Konkani), RabilalTudu (Santali).
Books on criticism: Bashir Bhadarwahi (Kashmiri) and Shamim Tariq (Urdu).
Memoirs: ArunKhopkar (Marathi).
Miss Universe 2015 - Pia Alonzo Wurtzbach (Philippines)
Miss World 2015 - Mireia Lalaguna Royo (Spain)
US National Medal of Science 2015 - Rakesh K Jain (Indian American)
Indian American doctor named as Ohios first Poet Laureate - Amit Majmudar
Nominated for CK Nayudu Lifetime Achievement Award - Syed Kirmani former Indian WicketKeeper
Winner of the prestigious award in the UK for creating an innovative electronic smart key
system - Nandagopal Lakshminarayanan
Topped in list of 2015 Fortune 500 Companies in India - Indian Oil Corp
Export Quality Excellence Award - CRI Pumps (11th time in row)
among your friends.
Selected for 51st Jnanpith Award - Raghuveer Chaudhary (Noted Gujarati Writer)
Recorded in LIMCA book of records - Sudarsan Pattnaik (Sand artist, for creating a 45 feet high
sand Santa Claus at Puri beach)
Honoured with a Knighthood from Queen Elizabeth II - Harpal Singh Kumar (An Indian-origin
cancer research expert)
2015 eASIA award for trade facilitation - Drug Authentication and Verification Application
(DAVA) project
Prestigious 2015 Sangita Kalanidhi Award - Vocalist Sanjay Subrahmanyam
Kerala Tourisms Nishagandhi Puraskaram 2016- Music maestro Ilaiyaraja
National Payments Excellence Awards 2015 - Corporation Bank
2015 Costa Novel Prize for A God in Ruins - Kate Atkinson
1st Indian to Bag Peoples Choice Award - Priyanka Chopra
Golden Globes winners - Kate Winslet
Winner of FIFA Ballon dOr award 2016 - Lionel Messi
2015 Harikrishna Devsare Baalsahitya Award - Poet Balkrishna Garg
National Award on e-Governance - Employees Provident Fund Organization (EPFO)
Humanitarian Leadership prize - David Beckham footballer
Times Now Amazing Indians Awards 2016 - Prime Minister Narendra Modi
Lee Kuan Yew Exchange Fellowship - Shivraj Singh Chauhan
Lorenzo Natali Media Prize for work on Khap panchayats - Ankita Anand (Delhi-based writer)
Prof MV Pylee Award for the Distinguished Academician of India - Dr Jancy James
Best Film at the 61st Britannia Filmfare awards 2016 - Bajirao Mastani
The Hindu Prize, 2015 - Easterine Kire
2016 DSC Prize for Sleeping on Jupiter - Anuradha Roy
Scientific and Technical Achievement Award 2016 - Rahul Thakkar
Yash Chopra Memorial award - Rekha (Veteran Bollywood actress)
Highest civilian honour, the Order of Australia - Sajeev Koshy (Kerala Dentist)
2016 Technical Achievement Award of Academy of Motion Pictures - Cottalango Leon
Param Vishisht Seva Medal - Vice Admiral Ashok Subhedar
V Shantaram Life Time Achievement Award at MIFF 2016 - Naresh Bedi (wild life film maker)
among your friends.
Amnesty International Human Rights Award 2016 - Henri Tiphagne (Indian Human Rights
Activist)
Indian Association of Pharmaceutical Scientists and Technologists (IAPST) award for 2015 Purushotham Rao (Pharmacist)
Prestigious K Veeramani Social Justice Award - Nitish Kumar (Bihar Chief Minister)
2016 William E. Colby Award - Nisid Hajari
Directors Guild of America award 2015 - Revenant director Alejandro Gonzalez
Golden Beaver Best Film Award - Nagaland is changing, But, a film on conservation efforts
by villagers.
OBITUARIES
Aroon Tikekar - Senior journalist and scholar
Mrinalini Sarabhai -Eminent danseuse & wife of the late Dr Vikram Sarabhai, father of Indias
space programme.
Ettore Scola - Italian director
Nirmala Gajwani - Former Deputy Speaker of Gujarat Assembly and Social Activist
Pandit Shankar Ghosh - Eminent Tabla player
Kalpana - National award-winning actress
Marvin Minsky - The pioneer of artificial intelligence
Abe Vigoda - Actor known for his work in The Godfather
General Kotikalapudi Venkata Krishna Rao - Former Army Chief
Rajesh Vivek Upadhyay - Bollywood actor
Alan Rickman - Actor
Ventrapragada Rama Rao - Veteran BJP leader and former Sikkim Governor
Lakshman Rao Mohite alias Geethapriya - Renowned film-maker
Yasutaro Koide - The worlds oldest man at the age of 112
Glenn Frey A founding member and guitarist of the Eagles
Sarosh Homi Kapadia - Ex-Chief Justice of India
Mufti Mohammad Sayeed - Jammu and Kashmir Ex-Chief Minister
Labhshankar Thakar - Noted Gujarati writer and poet
Ravindra Kalia - Noted Hindi writer and journalist
among your friends.
David Bowie- British singer
Maria Teresa de Filippis - First woman to compete in a world championship F1 Grand Prix
Sadhana - Yesteryear Hindi film actress
V S Malimath - Former Chief Justice of Karnataka and Kerala High Courts Justice
Haskell Wexler - Oscar-winning cinematographer
George Clayton Johnson - Popular science-fiction writer
Ian Fraser Lemmy Kilmister - Founding member and singer in the British band Motorhead
Subir Sen - Veteran singer
General Om Prakash Malhotra - Former Punjab Governor and ex-Chief of Army
Peter Dickinson - British Novelist
Chatla Sriramulu - Noted writer and theatre artiste
Sharad Anantrao Joshi - Renowned Agro-Economist and Veteran Leader of farmers
Ustad Sabri Khan - Renowned sarangi player
Eldar Ryazanov - Russian film Director
MAM Ramaswamy - Industrialist, Founder of Chettinad Group, Former parliamentarian
Anil Ganguly - Noted filmmaker
Haskell Wexler - Influential Oscar-winning cinematographer
DEFENCE NEWS
India-Russia joint naval exercise-INDRA NAVY-15 has begun in Visakhapatnam, Andhra Pradesh
with its 8th edition
Pakistan has successfully test-fired nuclear-capable Shaheen-III ballistic missile.
Combined Commanders Conference, an annual tri-services event chaired by Prime Minister

Narendra Modi was held on board INS Vikramaditya about 50 kms off Kochi coast.
Pakistan has successfully tested the nuclear-capable Shaheen-IA ballistic surface to surface
missile with a range of 900 km.
SpaceXs Falcon 9 rocket was successfully launched from Cape Canaveral, Florida carrying 11
satellites to low-Earth orbit and was also successfully landed after 10 minutes to the Earth.
Indias first indigenously designed & built warship INS Godavari decommissioned
among your friends.
Russias Rostech State Corporation has signed one billion US dollar deal with Hindustan
Aeronautics Limited (HAL) to manufacture 200 Kamov 226T light helicopters.
China has successfully launched its most sophisticated observation satellite Gaofen-4, as part of
the countrys high-definition (HD) earth observation Gaofen project.
Indigenously developed Beyond Visual Range (BVR) air-to-air missile, Astra, was on 25 December
2015 successfully test fired.
Indias second lunar probe Chandrayaan II will land on moon in 2017 and the countrys first
solar mission Aditya L1 is likely to be launched in 2019.
Six satellites were launched using Polar Satellite Launch Vehicle (PSLV-C29) from the first launch
pad of Satish Dhawan Space Centre in Sriharikota, Andhra Pradesh.
China launches satellite to search for signals of dark matter, an invisible material that makes up
most of the Universes Mass
Defence Acquisition Council (DAC) has cleared the purchase of Russian advance S-400 Trium Air
Defence Missile Systems at an estimated cost of 40,000 crore rupees.
Operation Cold was started by Border Security Force
Defence Procurement Procedure was changed: DAC
Defense Panel Submits report to Parrikar
Juvenile Justice Act comes into effect in India
Naseem Al Bahr a joint naval exercise was flagged by India and Oman
SPORTS
India wins SAFF cup for the seventh time
ONGC won 26th Lal Bahadur Shastri Hockey tournament
Syed Kirmani Conferred With CK Nayudu Lifetime Achievement Award
Bavuma Becomes South Africas 1st Black Centurion
Apoorvi Chandela Wins GOLD at Swedish Air Rifle Championship
Sania Mirza-Martina Hingis pair starts 2016 with Brisbane International title
Stanislas Wawrinka won third consecutive Chennai Open title
Hardik Pandya smashes 39 runs in an over to surpass T20 world record in Syed Mushtaq Ali
Trophy 2015-16
Colin Munro creates T20 record as New Zealand thrashes Sri Lanka to clinch series
among your friends.
Denmarks sportsperson of the Year 2015: Rene Holten Poulsen
FIFA dismissed Secretary General Jerome Valcke
Ronaldinho named ambassador of Indian Tournament
Marat Safin inducted into International Tennis Hall of Fame
Mesut Ozil named 2015 German Player of the Year
Sania & Hingis Win Sydney International Title 2016
Indian Driver Jehan Daruvala won Lady Wigram Trophy motor race
Uttar Pradesh won Syed Mushtaq Ali Trophy
PV Sindhu wins Malaysia Masters title
India won Blind T20 Asia Cup
India beats Australia to complete T20 series sweep.
Polish professional footballer Robert Lewandowskis nine minute, five-goal haul for German
Football Club Bayern Munich against Wolfsburg was officially recognized by Guinness World
Record.
Indias Thakur Anoop Singh won gold medal in the 7th WBPF World Bodybuilding and
Physique Championships.
Chinas Chen Long and all England and World champion Carolina Marin bagged the Badminton
World Federation (BWF) Male and Female Player of the Year Awards respectively in Dubai.
Pune and Rajkot became the interim franchises in the Indian Premier League (IPL) till 2017.
Former Sri Lanka captain Mahela Jayawardene was awarded with an honorary life membership
of the Marylebone Cricket Club (MCC).
Keralas Elizabeth Susan Koshy won the Women's 50m Rifle 3 Positions Gold at the 59th
National Shooting Championships
Indian cyclist Deborah Herold became the first Indian female cyclist to be ranked fourth in the
World Elite Women Ranking for the 500m time trial event.
New Zealand cricket captain Brendon McCullum on 22 December 2015 announced retirement
from all forms of international cricket.
Vijay Kumar on 13 December 2015 won the centre fire pistol gold in the 59th National shooting
championship
among your friends.
Indias star golfer Anirban Lahiri has won the coveted Order of Merit crown of Asian Tour for
year 2015.
Apurvi Chandela from Rajasthan has won a Gold medal in the 59th National Shooting
Championship in Delhi.
The National selectors decided that M.S. Dhoni will remain captain of the limited-overs sides till
the World T20 championship in March.
The International Cricket Council (ICC) on 23 December 2015 announced the winners for the
2015 ICC Awards in Dubai, the UAE.
FC Barcelona on 20 December 2015 won the 2015 FIFA Club World Cup.
Chennaiyin FC was crowned as the champions of the 2nd Indian Super League (ISL) Football
tournament on 20 December 2015.
Indias Abhay Singh on 20 December 2015 won the Under-19 Singapore Squash Open
Kane Williamson, 25, on 21 December 2015 became the first cricketer from New Zealand to
top the International Cricket Councils (ICCs) Test rankings.
International Tennis Federation (ITF) on 22 December 2015 announced winners of 2015 World
Champions.
Andy Murray of the UK on 20 December 2015 received the 2015 BBC Sports Personality of the
Year award in London.
BANKING
Reserve Bank of India holds it policy rate 6.75% steady and relaxed the overseas borrowing
rules for the domestic companies.
Axis Bank has become first Indian bank to offer Display variant debit card which will be
currently launched for NRE customers.
Tata Sons Ltd and Industrial and Commercial Bank of China Ltd (ICBC) have formed a long-term
partnership, under which ICBC will become a strategic banking partner to the Tata group.
The Reserve Bank of India has cancelled the certificate of registration of 56 non-banking
finance companies (NBFCs), including ABNL, Future Ventures India and Bajaj Finserve.
The Reserve Bank of India (RBI) announced revised Priority Sector Lending (PSL) norms for
Regional Rural Banks (RRBs)
among your friends.
The Finance ministry recently announced mandatory furnishing of Permanent Account Number
(PAN) for all transactions above Rs. 2 lakh through all payment modes with effect from January
1, 2016.
Reserve Bank of India (RBI) has extended the deadline for exchanging currency notes issued
before 2005 of various denominations by another six months to June 30, 2016
IDFC Bank ties node with the TCS for core banking solution.
Life Insurance Corporation of India has launched, Jeevan Akshay IV, a plan for planning of post
retirement.
Government of India has made to show Permanent Account Number (PAN) mandatory from 1st
January 2016 for all the bills above Rs.50, 000.
RBI asked the banks to open banks in villages with a population of more than 5000
PNB launches host of digital banking solutions
IDBI decided to raise the stake by 25%
LIC offers longer cover under Jeevan Labh
RBI imposes Rs 1Cr fine on SBT
RBI Deputy governor Urjit Patel, set for term extension
ICICI Bank to Partner FINO PayTech for Payments Bank
IFSC banking units can open foreign currency current accounts
Bandhan Bank Mobilizes 5000 crore deposits till December
Banks may put 3-lakh cr of bad loans on the block in 2017: Arcil
SEBI lowers MF exposure limits
BSE to get its own postal stamp
SBI chief identifies four change drivers in Indian banking system
AADHAR not mandatory for direct Benefit Scheme
Banks to issue 2nd tranche of gold bond scheme
Xi Jin Ping officially launches AIIB
SBI to offer loans to e-commerce sellers
RBI permits banks to sell India Gold Coins
Jan Dhan account deposits cross Thirty Thousand Crore Rupees
RBI to introduce new 500,100 rupee notes
among your friends.
KickStarter launches official Android app
RBL launches banking platform for entrepreneurs
Rajan joins World Economic Forum task force
SBI, BoB and other PSBs creating anti-money laundering framework for overseas branches
Important Calendar Days (Feb-April)

February
13th Feb-Sarojini Naidus Birthday
28th Feb-National Science Day
March
3rd MarchNational Defense Day
4th MarchNational Security Day
8th MarchInternational Womens Day Mothers Day
9th MarchCISF Rising Day
15th MarchConsumers Right Day
22nd MarchWorld Water Day
24th MarchWorld TB Day
April
5th April National maritime Day
7th April-National Health Day
13th AprilJallianwalan Bagh Massacre Day
17th April -World Haemophilia Day
18th AprilWorld Heritage Day
22nd April-Earth Day
among your friends.
IMPORTANT DAYS OBSERVED RECENTLY
World Wetlands Day 2 February
World Cancer Day 4 February
International Day of Zero Tolerance for Female Genital Mutilation 6 February
First 'National Deworming Day' 10 February
6th National Voters Day - 25 January.
67th Indias Republic Day - 26 January 2016
150th birth anniversary of Lala Lajpat Rai - 28th January 2016
International Day of Commemoration in memory of the victims of the Holocaust - 27 January
Anti-Leprosy Day - 30 January
National Youth Day - 12 January
11th World Hindi Day - 10 January
National Mathematics Day - 22 December
30th National Consumers Right Day - 24 December
Good Governance Day - 25 December
International Migrants Day - 18 December
Vijay Diwas - 16 December
Human Rights Day - 10 December
International Day for the Abolition of Slavery - 2 December
44th Navy Day - 4 December
International Volunteer Day (IVD) - 5 December
World Acquired Immuno Deficiency Syndrome (AIDS) Day - 1 December
International Day for the Abolition of Slavery - 2 December

among your friends.
118th Birth Anniversary of Netaji Subhash Chandra Bose / National Day of Patriotism / Desh
Prem Divas - 23 January
National Girl Child Day - 24 January
Gallantry Awards:
President Pranab Mukherjee has conferred the countrys highest peacetime gallantry award Ashok
Chakra to Lance Naik Mohan Nath Goswami posthumously. On the eve of 67th Republic Day
celebrations President has approved 365 Gallantry awards and other Defence decorations to Armed
Forces personnel and others. It includes one Ashoka Chakra, 4 Kirti Chakras and 11 Shaurya Chakras.
Ashok Chakra:
Lance Naik Mohan Nath Goswami (Posthumous). He belonged to 9 PARA (Special Force) and laid
down his life while fighting LeT militants in Kupwara district of Jammu and Kashmir.
Kirti Chakra:
Subedar Mahendra Singh of 9 PARA (Special Force).
Sepoy Jagdish Chand (Posthumous) of 546 DSC Platoon.
Shaurya Chakra:
Colonel Santosh Mahadik (Posthumous) of 41 Rashtriya Rifle (PARA).
Major Praphul Kumar Bhardwaj of 12 PARA (Special Force).
Major Sandip Yadav of 55 Rashtriya Rifle (Armed).
Major Anurag Kumar of 9 PARA (Special Force).
Lieutenant Harjinder Singh of 3 KUMAON.
Naik Satish Kumar (Posthumous) of 21 Rashtriya Rifle (Guards).
Naik Kheem Singh Mehra of 21 KUMAON.
Sepoy Dharma Ram (Posthumous) of 1 Rashtriya Rifle (MAHAR).
among your friends.
61st Filmfare Awards

The grand annual 61st Filmfare Awards event was organised in Mumbai, Maharashtra on January 15,
2016. Bajirao Mastani was 8 awards was the film winning highest number of awards. Awards in various
categories are
Best Actor: Ranveer Singh (Bajirao Mastani)
Best Actress: Deepika Padukone (Piku)
Best Film: Sanjay Leela Bhansali (Bajirao Mastani)
Best Director: Sanjay Leela Bhansali (Bajirao Mastani)
Lifetime Achievement: Moushumi Chatterjee
Best Debut Director: Neeraj Ghaywan (Massan)
Best Debutant (Male): Sooraj Pancholi (Hero)
Best Debutant (Female): Bhumi Pednekar (Dum Laga Ke Haisha)
Critics Award for Best Film: Piku
Critics Award for Best Actor (Male): Amitabh Bachchan (Piku)
ICC AWARDS 2015 Announced

Steve Smith became the fourth Australia player and 11th player overall to win the prestigious Sir
Garfield Sobers Trophy after being named as the ICC Cricketer of the Year 2015. Australia captain also
wins ICC Test Cricketer of the Year award while De Villiers named ICC ODI Cricketer of the Year. The full
list of ICC Award 2015 winners is:
ICC Cricketer of the Year (Sir Garfield Sobers Trophy)-Steve Smith (Australia)
ICC Test Cricketer of the Year Steve Smith (Australia)
ICC ODI Cricketer of the Year AB de Villiers (South Africa)
ICC Womens ODI Cricketer of the Year Meg Lanning (Australia)
ICC Womens T20I Cricketer of the Year Stafanie Taylor (West Indies)
among your friends.
ICC T20I Performance of the Year Faf du Plessis (South Africa)
ICC Emerging Cricketer of the Year Josh Hazlewood (Australia)
ICC Associate/Affiliate Cricketer of the Year Khurram Khan (UAE)
ICC Spirit of Cricket Award Brendon McCullum (New Zealand)
ICC Umpire of the Year (David Shepherd Trophy) Richard Kettleborough
The Juvenile Justice (Care and Protection of Children) Act, 2015 Passed
The Juvenile Justice Act, which allows children aged 16 to 18 years and in conflict with law to be tried as
adults in cases of heinous offences, finally comes into force on January 15, 2016.
The Act, was passed by the Rajya Sabha in the winter session of parliament, received President Pranab
Mukherjees assent on December 31, 2015.
The Ministry of Women and Child Development has passed orders stating that the Juvenile Justice (Care
and Protection of Children) Act 2015 will be enforceable from January 15, 2016.
Under the Juvenile Justice Act 2015
Juveniles between 16 and 18 years of age, who are found guilty of committing heinous offences
through a preliminary inquiry by the Juvenile Justice Board, will be sent to a childrens Court that
can pronounce the child guilty.
Such Juveniles can be detained in a place of safety until they reach the age of 21.
If still not found to have been reformed by 21, they can be sent to jails housing adults.
It specifies imprisonment up to seven years and fine up to Rs. 1 lakh for giving a child any
intoxicating liquor, narcotic, drug, tobacco and psychotropic substances.
Odd-Even scheme Launched

The ambitious odd-even scheme, set to roll out from January 1, will have out of its ambit CNG-certified
vehicles, two wheelers, cars being driven by women drivers and those carrying the differently abled,
Chief Minister Arvind Kejriwal said. Violators would attract a penalty of Rs 2,000, he said. The car
rationing scheme would be applicable from 8 AM to 8 PM on all days except Sunday and on cars with
NCR and other states registration number plates, Kejriwal said. Cars being driven by a woman alone or
even while being accompanied by children up to the age of 12 would be exempted while cases of
medical emergencies would be treated on basis of trust, the CM said.
20 Smart Cities Announced

among your friends.
Urban development minister M Venkaiah Naidu announced the first list of 20 cities to be developed as
Smart Cities, with Bhubaneswar topping the list and Pune and Jaipur coming in second and third
respectively.
The others on the list include Surat, Kochi and Ahmedabad.
These cities will be developed to have basic infrastructure through assured water and power supply,
sanitation and solid waste management, efficient urban mobility and public transport, IT connectivity, egovernance and citizen participation.
These are the 20 cities named in the first list
Bhubaneswar, Pune, Jaipur, Surat, Kochi, Ahmedabad, Jabalpur, Visakhapatnam, Solapur,
Davanagere, Indore, New Delhi, Coimbatore, Kakinada, Belgaum, Udaipur, Guwahati, Chennai,
Ludhiana, Bhopal
The government plans to build these smart cities by 2022 to help accommodate its swelling urban
population, which is set to rise by more than 400 million people to 814 million by 2050.
The Centre and states will equally split the overall cost of the project estimated at Rs 96,000 crore. The
central government will provide on an average Rs. 100 crore per chosen city per year. The project cost of
each smart city will vary depending upon the level of ambition, model, capacity to execute and repay.
among your friends.
INSURANCE AWARENESS
Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in
exchange for a premium, and can be thought of a guaranteed small loss to prevent a large possibly
devastating loss.
Definition of Risks
A variation in the possible outcome.
The degree of uncertainty associated with a particular loss.
Greater the accuracy with which the outcome can be predicted the lower is the risk.
Risk is the possibility of an unfortunate occurrence.
Risk is the possibility of loss.
The combination of hazards.
Uncertainty of Loss
The tendency that actual results may differ from predicted results.
Requirements of Insurable Risks
Should be a pure risk.
Involves a chance of loss or no loss.
Large Number of exposure units.
To predict average loss.
Accidental and Unintentional loss
To control moral hazard.
To assure randomness.
Determinable and Measurable Loss
among your friends.
To facilitate loss adjustment
Insurance Industry of India consists of 52 insurance companies of which 24 are life insurance business
and 28 are non life insurance companies. (As per August , 2015 update)
Among the life insurers, Life Insurance Corporation (LIC) is the sole public sector company. Apart from
that, among the non life insurers there are six public sector insurers.
Out of 28 non-life insurance companies, five private sector insurers are registered to underwrite policies
exclusively in health, personal accident and travel insurance segments. They are Star Health and Allied
Insurance Company Ltd, Apollo Munich Health Insurance Company Ltd, Max Bupa Health Insurance
Company Ltd, Religare Health Insurance Company Ltd and Cigna TTK Health Insurance Company Ltd.
There are two more specialized insurers belonging to public sector, namely, Export Credit Guarantee
Corporation of India for Credit Insurance and Agriculture Insurance Company Ltd for crop insurance.
The oldest existing insurance company in India is National Insurance Company, which was founded in
1906 and is still in business. The Government of India issued an Ordinance on 19 January 1956
nationalized the Life Insurance sector and Life Insurance Corporation (LIC) came into existence in the
same year. But LIC starts its operations from 1 September, 1956.
Objectives of Insurance
To Spread life insurance widely and in particular to the rural areas and to the socially and
economically backward classes with a view to reaching all insurable persons in the country and
providing them adequate financial cover against death at a reasonable cost.
Bear in mind, in the investment of funds, the primary obligation to its policy holders, whose
money it holds in trust, without losing sight of the interest of the community as a whole; the
funds to be deployed to the community as a whole, keeping in view national priorities and
obligations attractive return.
Conduct business with utmost economy and with the full realization that the moneys belong to
the policyholders.
Meet the various life insurance need of the community that would arise in the changing social
and economic environment.
Promote amongst all agents and employees of the Corporation a sense of participation, pride
job satisfaction through discharge of their duties with dedication towards achievement of
corporate objective.
among your friends.
Maximize mobilization of peoples savings by making insurance linked savings adequately

attractive.
Act as trustees of the insured public in their individual and collective capacities.
Involve all people working in the Corporation to the best of their capabilities furthering the
interests of the insured public by providing efficient service with courtesy.
Roles & Functions:
To carry on capital redemption business, annuity certain business or reinsurance business in so

far as such reinsurance business relating to life insurance business;
To invest the funds of the Corporation in such manner as the Corporation may think fit and to
take all such steps as may be necessary or expedient for the protection or realisation of any
investment; including the taking over of and administering any property offered as security for
the investment until a suitable opportunity arises for its disposal;
To acquire, hold and dispose of any property for the purpose of its business;
To transfer the whole or any part of the life insurance business carried on outside India to any
other person or persons, if in the interest of the Corporation it is expedient so to do;
To advance or lend money upon the security of any movable or immovable property or
otherwise;
To borrow or raise any money in such manner and upon such security as the Corporation may
think fit;
To carry on either by itself or through any subsidiary any other business in any case where such
other business was being carried on by a subsidiary of an insurer whose controlled business has
been transferred to and vested in the Corporation by this act;
To carry on any other business which may seem to the Corporation to be capable of being
conveniently carried on in connection with its business and calculated directly or indirectly to
render profitable the business of the Corporation; and
To do all such things as may be incidental or conducive to the proper exercise of any of the
powers of the Corporation.

among your friends.
Methods of Insurance
Some important methods of insurance are discussed as under:
Co-insurance When insurance companies shares risks between them known as CoInsurance or
Risks shared between insurers
Dual Insurance If a person has taken more than one policies for specific purpose orrisks having
two or more policies with same coverage
Self-Insurance Situations where risk is not transferred to insurance companies and solely
retained by the entities or individuals themselves
Reinsurance If one insurance company passes some or whole part of risks to another
insurance company or Situations when Insurer passes some part of or all risks to another Insurer
called Reinsurer.
Seven Insurance Principles:

Principal of Utmost Good Faith
Both parties, insurer and insured should enter into contract in good faith
Insured should provide all the information that impacts the subject matter
Insurer should provide all the details regarding insurance contract
For example John took a health insurance policy. At the time of taking policy, he was a smoker and he
didnt disclose this fact. He got cancer. Insurance company wont pay anything as John didnt reveal the
important facts.
Principle of Insurable Interest
Insured must have the insurable interest on the subject matter
In case of life insurance spouse and dependents have insurable interest in the life of a
person.Corporations also have insurable interests in the life of its employees
In case of life or marine insurance, insured must be the owner both at the time of entering
of entering into the insurance contract and at the time of accident.
Principle of Indemnity
among your friends.
Insured cant make any profit from the insurance contract. Insurance contract is meant
for coverage of losses only
Indemnity means a guarantee to put the insured in the position as he was before accident
This principle doesnt apply to life insurance contracts
Principle of Contribution
In case the insured took more than one insurance policy for same subject matter, he/she cant
make profit by making claim for same loss more than once
For example Raj has a property worth Rs.5,00,000. He took insurance from Company A
worth Rs.3,00,000 and from Company B Rs.1,00,000.In case of accident, he incurred a loss of
Rs.3,00,000 to the property. Raj can claim Rs. Rs.3,00,000 from A but after that he cant make profit by
making a claim from Company B. Now Company A can make a claim from Company B to for proportional
loss claim value.
Principle of Subrogation
After the insured gets the claim money, the insurer steps into the shoes of insured. After making
the payment insurance claim, the insurer becomes the owner of subject matter.
For example :- Ram took a insurance policy for his Car. In an accident his car totally damaged. Insurer
paid the full policy value to insured. Now Ram cant sell the scrap remained after the scrap.
Principle of Loss Minimisation
This principle states that the insured must take all the necessary steps to minimize the losses to
inured assets.
For example Ram took insurance policy fo his house. In an cylinder blast, his house burnt. He should
have called nearest fire station so that the loss could be minimised.
Principle of Cause Proxima
Word Cause Proxima means Nearest Cause
An accident may be caused by more than one cause. In case property insured for only
one cause. In such case nearest cause of the accident is found out.
Insurer pays the claim money only if the nearest cause is insured
Important milestones in the Indian Life insurance business
among your friends.
1818: Oriental Life Insurance Company, the first life insurance company on Indian soil started
functioning.
1870: Bombay Mutual Assurance Society, the first Indian life insurance company started its
business.
1912: The Indian Life Assurance Companies Act came into force for regulating the life insurance
business.
1928: The Indian Insurance Companies Act was enacted for enabling the government to collect
statistical information on both life and non-life insurance businesses.
1938: The earlier legislation consolidated the Insurance Act with the aim of safeguarding the
interests of the insuring public.
1956: 245 Indian and foreign insurers and provident societies were taken over by the central
government and they got nationalized. LIC was formed by an Act of Parliament, viz. LIC Act,
1956. It started off with a capital of Rs. 5 crore and that too from the Government of India.
Insurance Repository in India

The Insurance Repository in India is a database of insurance policies. It allows policy holders to make
revisions to a policy with speed and accuracy. It launched on 16 September 2013. It is the world's first of
its kind. India's Insurance Regulatory and Development Authority had issued licenses to five entities to
act as Insurance Repositories:
Central Insurance Repository Limited (CIRL)
SHCIL Projects Limited
Karvy Insurance repository Limited
NSDL Database Management Limited
CAMS Repository Services Limited
Public Sector Insurance Companies
Life Insurance Corporation of India
General Insurance Corporation of India
National Insurance Co. Ltd.
Oriental Insurance Co. Ltd.
New India Assurance Co. Ltd.
among your friends.
United India Insurance Co. Ltd.
Joint Ventures Insurance Companies:
Aviva India is an Indian life assurance company, and a joint venture between the Aviva plc.,
which is a British assurance company, and the Dabur Group, an Indian conglomerate.
AEGON Religare Life Insurance is a joint venture between AEGON, Religare and Bennett,
Coleman & company
Bajaj Allianz Life Insurance Company Limited is a joint venture insurance company between the
Bajaj Finserv Limited (which recently emerged from the Bajaj Auto Limited) and the Allianz.
Birla Sun Life Insurance Company Limited ( BSLI) is a joint venture between the
Aditya Birla Group, an Indian conglomerate and the Sun Life Financial Inc, which is a leading
international financial services organization of Canada.
Bharti AXA General Insurance Company Ltd is a joint venture between Bharti Enterprises, a
leading Indian business group and AXA, a world leader in financial protection. The joint venture
company has a 74% stake from Bharti and 26% stake of the AXA Group.
Canara HSBC Oriental Bank of Commerce Life Insurance Company Limited was launched on 16
June 2008 and is a Joint Venture between Canara Bank (holding 51%), HSBC Insurance (Asia
Pacific) Ltd (holding 26%), the Asian insurance arm of one of the worlds largest banking and
financial services groups HSBC and Oriental Bank of Commerce (holding 23%).
Cholamandalam MS General Insurance Company (Chola MS) is a joint venture between the
Murugappa Group, an Indian conglomerate, and the Mitsui Sumitomo Insurance Group (MSIG),
which is a Japanese assurance company.
Cigna TTK is an Indian health insurance firm which is established as a joint venture between the
Cigna, a global insurance player and the TTK Group, which is an Indian conglomerate.
Exide Life Insurance Company Limited is a Bengaluru based life insurance company founded in
2001, formerly known as ING Vysya Life Insurance Company Limited. It began as a joint venture
between ING Vysya Bank and Exide Industries Ltd. after ING Vyasya divested from it, it is now
fully owned by Exide Industries Ltd.
Edelweiss Tokio Life Insurance is a Life Insurance joint venture

Financial Services, Mumbai & Tokio Marine Holdings Inc, Japan.
between
Edelweiss
among your friends.
EGON Religare Life Insurance is a joint venture of AEGON, Religare and Bennett, Coleman &
company.
Future Generali Life Insurance is a joint venture between three leading groups: Future Group
A leading retailer of India, Generali Group A global insurance group that features among the
top 50 largest companies of the world an Industrial Investment Trust Limited (IITL) A leading
investment company.
HDFC Life -It is a joint venture between the Housing Development Finance Corporation (HDFC),
which is one of Indias leading housing finance institution and the Standard Life plc., which is a
leading provider of financial savings & investments services in United Kingdom. HDFC Ltd. holds
72.37 percent and Standard Life (Mauritius Holding) Ltd. holds 26 per cent of equity in this joint
venture, while rest is held by others.
HDFC ERGO General Insurance Company is a 74:26 joint venture between the HDFC, which is
Indias premier Housing Finance Institution and the ERGO International AG, the primary
insurance entity of Munich Re Group.
IDBI Federal Life Insurance Co. Ltd.,(formerly IDBI Fortis Life Insurance) is a joint venture
between three financial companies development and commercial bank, IDBI Bank, Indias
public sector bank, Federal Bank and European insurer Ageas (formerly Fortis), which was
formed on March 2008. In this venture, IDBI Bank owns 48% equity while Federal Bank and
Ageas own 26% equity each.
ICICI Prudential Life Insurance Company (ICICI Prudential Life) is

a
joint
venture
of
ICICI Bank, which is Indias largest private sector bank, and Prudential plc , which is a leading
international financial services group with its headquarters in the United Kingdom.
ICICI Lombard General Insurance Company Limited is a joint venture between the
ICICI Bank Limited, Indias second largest bank and the Fairfax Financial Holdings Limited, which
is a Canada based diversified financial services company.
IFFCO Tokio General Insurance is a joint venture between the Indian Farmers Fertiliser
Cooperative (IFFCO) and the Tokio Marine and Nichido Fire Group.
Liberty Videocon General Insurance is a joint venture between the Boston based insurance
company Liberty Mutual Insurance Group and India based Videocon Industries. It is based in
Mumbai.
Max Life Insurance, one of the life insurers, is a joint venture between Max India Ltd. and
Mitsui Sumitomo Insurance Co. Ltd. Max India is an Indian multi-business corporate, while
Mitsui Sumitomo Insurance is a member of MS&AD Insurance Group, a general insurer.
Max Bupa Health Insurance Company Limited is a joint venture insurance company between
Max India Limited and Bupa Finance plc., based in UK .
among your friends.
Magma HDI General Insurance Co Ltd. is a joint venture between Magma Fincorp Ltd, Kolkata
and HDI-Gerling Industries Versicherung AG Germany.
Star Union Dai-ichi Life Insurance Co. Ltd. (SUD Life ) is a joint venture of Bank of India, Union
Bank of India and Dai-ichi Life, which is a leading life insurance company of Japan.
SBI General Insurance Company Limited is a joint venture of the State Bank of India and
Insurance Australia Group (IAG). In this, SBI owns 74 per cent of the total capital and IAG owns
the remaining 26 per cent.
Star Health and

Allied Insurance Co Ltd is
a
joint
venture
between
the
Oman Insurance Company UAE, along with leading NRIs and an Indian company. It is a special
purpose vehicle formed by a group of business tycoons for working in the health insurance
sector.
Tata AIG General Insurance Company Limited is an Indian general insurance company. Which is
a joint venture between the Tata Group and the American International Group (AIG). The Tata
Group holds 74 % stake in the insurance venture with AIG holding 26 %.
Tata AIA Life Insurance Company Limited (Tata AIA Life) is a joint venture company, formed by
Tata Sons Ltd. and AIA Group Ltd. (AIA)
Major Insurance Plans of LIC

ENDOWMENT ASSURANCE PLANS:
LICs Single Premium Endowment Plan No. 817): A single Premium With-Profits plan where the
sum assured is payable along with the accrued bonuses on maturity or on earlier death of the
life assured. On death before the commencement of risk, the single premium paid is returned
without interest.
LICs New Endowment Plan (Plan No. 814): A Regular premium With-Profit plan which provides
for applicable sum assured along with accrued bonuses on maturity or an earlier death of life
assured.
LICs New Jeevan Anand (Plan No. 815): It is a unique With-Profits plan wherein on death during
the policy term or on survival to the end of the policy term, the applicable sum assured is
payable along with the accrued bonuses. On death after the expiry of the policy term, basic sum
assured is payable.
TERM ASSURANCE PLANS
LICs Ammol Jeevan II (Plan No. 822): A pure term assurance plan where one can choose any
sum assured from 6 lakhs to 24 lakhs
among your friends.
LICs Amulya Jeevan II (Plan No. 823): A pure team assurance plan with a minimum sum
assured of 25 lakhs
LICs e-Term Plan (Plan No. 825): A pure term assurance plan which is available for online sale
only under this
MICRO INSURANCE PLANS:
LICS New Jeevan Mangal (Plan No. 819): A Micro Insurance cum Term Insurance plan wherein
the Sum assured varies from 10,000/- to 50,000/- In this plan, total premiums paid is repaid on
maturity.
PENSION PLANS:
LICs Jeevan Akshay VI (Plan No. 189): An immediate annuity plan with a number of options.
LICs New Jeevan Nidhi (Plan No. 818): A with-Profits, deferred pension plan which provides
death cover during the deferment period.
HEALTH INSURANCE PLAN:
LICs Jeevan Arogya (Plan No. 904): A non-linked health insurance plan which provides for fixed
benefits for hospitalization and almost all types of surgical procedures irrespective of actual cost
incurred.
OTHER PLANS:
LICs New Money Bank Plans (Plan Nos. 820, 821): Besides providing life cover during the term
(20 & 25 years) of the policy, survival benefits linked to the sum assured during the term of the
policy will be available.
LICs New Bima Bachat (Plan No. 816): A Single Premium money back plan with policy term of 9,
12 and 15 years. Survival benefits during the term of policy are available.
Important Life Insurance Policies in India

Here we have given the list of Important Life Insurance Policies in India for the upcoming LIC AAO Exam.
Depending on their objectives, there are at least three types of life insurance policy classifications.
A life insurance policy could offer pure protection (Term Plans)
Another variant could offer protection as well as investment (Insurance-cum-Investment

Products)
Some others could offer only investment (Investment Products)
among your friends.
Pure Insurance Products

Term Plans:
Cheapest insurance & Covers only the risk of your dying
You pay premium year on year to the insurance company and if you die, the insurance amount,
called the Sum Assured, is paid out to the nominees. If you survive, you dont get anything and
lose the yearly premiums you paid.
The premium for such policies will obviously be more as compared to pure term plans.
Insurance-cum-Investment Products
As the name suggests, these are plans that provide insurance and along with it return on investments.
Endowment Plans: Take a term plan and add an offer of some returns on the premiums you pay that is
an endowment policy for you. If you survive the policy term, you get the sum assured plus the returns
and if you die during the policy tenure, you still get the sum assured plus some returns. To get these
returns along with the life cover, you end up paying more premium.
With-profit endowment plans: These plans share the profits the insurance company makes each year
with the policyholder. So they offer more returns than without-profit endowment plans and are more
expensive as well that it, for all parameters considered same, the premiums will be higher than
without-profit endowment plans.
Without-profit endowment plans: These plans do not participate in the profits the insurance company
makes each year. Apart from the sum assured, you could possibly get a loyalty bonus, which is a onetime payout made in appreciation of your sticking to the insurance company.
Whole-life plans: Term plans, endowment plans and money back plans offer insurance cover till a
specified age, generally 70 years. Whole-life plans provide cover throughout your life. Usually, the
policyholder is given an option to pay premiums till a certain age or a specified period (called maturity
age).On reaching the maturity age, the policyholder has the option to continue the cover till death
without paying any premium or encashing the sum assured and bonuses.
among your friends.
Money-back plans: Money-back plans are variants of endowment plans with one difference the
payout can be staggered through the policy term. Some part of the sum assured is returned to the
policy holder at periodic intervals through the policy tenure. In case of death, the full sum assured is
paid out irrespective of the payouts already made.
Unit-linked insurance plans (ULIP): ULIP give you greater control on where your premium can be
invested. Think of them like mutual funds. The annual premium you pay can be invested in various types
of funds that invest in debt and equity in a proportion that suits all types of investors. You can switch
from one fund plan to another freely and you can also monitor the performance of your plan
easily. There are various charges to be aware of in a ULIP and is suitable for those who understand the
stock market well. Of late, ULIPs qualified as the most abused insurance plan.
Investment Products
Pension Plans:
Investment options that let you set up an income stream in your post retirement years by giving
away your savings to an insurance company who invests it on your behalf for a fee.
The returns you get depends on a host of factors like how much you contributed and when is it
that you started, the number of years when you want the money to come to you and at what
age that starts.
When you buy the pension plan contract, if the payment to you (called annuity) starts
immediately it is called an immediate annuity contract. However, if the payout starts after some
years of deferment, it is called a deferred annuity.
Insurance Ombudsman scheme

Introduction:
The Insurance Ombudsman scheme was created by Government of India for individual policyholders to
have their complaints settled out of the courts system in a cost-effective, efficient and impartial way.
There are 17 Insurance Ombudsman in different locations and you can approach the one having
jurisdiction over the location of the insurance company office that you have a complaint against.
among your friends.
Objective : To provide a forum for resolving disputes and complaints from the aggrieved insured public
or their legal heirs against Insurance Companies, the Government of India, in exercise of powers
conferred on it u/s 114(1) of Insurance Act, 1938 framed Redressal of Public Grievances Rules, 1998,
which came into force w.e.f. 11th November, 1998.
Features of Insurance Ombudsman:
A representation should be made to the Insurance Company and either an unsatisfactory reply
should have been received or the representation should stand as un-replied for at least 1
month.
The complaint must be lodged within 1 year of the events.
The total relief sought must be within an amount of Rs.20 lakhs.
The subject matter of the complaint should not currently be or have earlier been before a
Court/Consumer Forum.
No fees / charges are required to be paid.
Any aggrieved individual who has taken an Insurance Policy on personal lines (or if deceased,
the legal heir(s) under such policy) can approach Ombudsman.
If the Ombudsman deems it fit in the circumstances of the case, he may award ex-gratia
payment.
Complaints pertaining to repudiation of claims totally or partially, delay in settlement of claims,

any dispute on the legal construction of the policies in so far as such disputes relate to claims,
disputes regarding premiums paid / payable and non-issue of insurance documents.
Insurance on personal lines means a policy taken or given in an individual capacity, e.g. life
insurance, personal accident insurance, mediclaim insurance, insurance of personal property of
the individual such as motor vehicle, household articles, etc.
You can write complaint to the Ombudsman about:
Any partial or total repudiation of claims by an insurer
Any dispute about premium paid or payable in terms of the policy
Any dispute on the legal construction of the policies as far as it relates to claims
Delay in settlement of claims
Non-issue of any insurance document to you after you pay your premium
among your friends.
You can approach the Ombudsman with complaint if:
You have first approached your insurance company with the complaint and they have not
resolved it OR not resolved it to your satisfaction OR not responded to it at all for 30 days.
Your complaint pertains to any policy you have taken in your capacity as an individual and
The value of the claim including expenses claimed is not above Rs 20 lakh.
The settlement process Recommendation:

The Ombudsman will act as counsellor and mediator and
Arrive at a fair recommendation based on the facts of the dispute
If you accept this as a full and final settlement, the Ombudsman will
Inform the company which should comply with the terms in 15 days
Award:
If a settlement by recommendation does not work, the Ombudsman will:
Pass an award within 3 months of receiving the complaint and which will be a speaking award
with the detailed reasoning and Binding on the insurance company but Not binding on the
policyholder
The Ombudsman can also award an ex-gratia payment
Once the Award is passed:
You have to accept the award in writing and the insurance company has to be informed of it
within 30 days and
The Insurance Company has to comply with the award in 15 days after that.
among your friends.
Highlights of IRDAI (Transfer of Equity Shares of Insurance Companies) Regulations, 2015
According to the notification, all investors (where there are one or more investors in an
insurance company) jointly should not hold more than 25 percent of the paid-up equity
share capital of the insurance company.
Further, with reference to the proposals pertaining to the transfer of shares in insurance
companies, the authority said it might ask Indian promoters as well as foreign investors
to have minimum lock-in period for infusion of additional capital as a pre-condition for
approval.
It will also carry out its own due diligence before approving any deal for transfer of
shares of insurance companies. The applications seeking prior approval of the authority
should be accompanied by a declaration from a proposed shareholder whether the
shares are proposed to be held for his own benefit or as a nominee, whether jointly of
severally, or on behalf of others.
No registration of transfer of shares or issue of equity capital of insurance company

which will result in change in the shareholding should be made if after the transfer the
total paid-up holding of the transferee in the shares of the insurance company is likely
to exceed 1 percent of its paid-up equity capital, the notification said.
Why are the new norms significant? The new norms are significant in the backdrop of
the recent hike in the upper cap of foreign direct investment in insurance companies
from 26 percent to 49 percent, which has already triggered some action on this front.
among your friends.
Some foreign stakeholders have expressed their intent to raise their stakes and rejig of
existing investors might also take place.
Important Insurances Companies and Heads-Taglines

Insurance Company
Headquarter CMDs
Tag Line
Apollo Munich Health

Insurance
Gurgaon
We Know Healthcare,
Aviva India Life Insurance
Gurgaon
Mr TR Ramachandran
Kal Par Control
Bajaj Allianz Life

Insurance Company
Limited
Pune
Mr. Anuj Agarwal
Jiyo Befiqar
Birla Sun Life Insurance

Company Limited
Mumbai
Mr. Pankaj Razdan
Your Dreams, Out

Commitment
Exide Life Insurance India

Company
Bangalore
Mr. Rajan Raheja
Adding Life to Insurance
Future Generali Life

Insurance
Mumbai
Mr. G.N.Bajpai
Total Insurance Solutions
HDFC Standard life

Insurance Company
Limited
Mumbai
Mr. Amitabh Chaudhry
Sar Utha Ke Jiyo
ICICI Prudential Life

Insurance Company
Limited
Mumbai
Mr. Sandeep Bakhshi
We Cover You, At Every Step

in Life
Dr. Prathap C. Reddy
We Know Insurance.
among your friends.
Kotak Mahindra Old

Mutual Life Insurance
Limited
Mumbai
Mr. Gaurang Shah
Faidey Ka Insurance
Life Insurance
Corporation of India
Mumbai
Shri S. K. Roy
Yogakshemam Vahamyaha (is

in Sanskrit language which
translates in English as Your
welfare is our responsibility)
Max Life Insurance Co.

Ltd.
New Delhi
Mr. Rajesh Sud
Aapke Sachche Advisor
National Insurance
Company
Kolkata
Shri Rajesh Aggarwal
Thoda Simple Soche
New India Assurance

Company Ltd
Mumbai
Mr. G. Srinivasan
Indias Premier General

Insurance Company
Oriental Insurance
Company Limited
New Delhi
Dr.A.K.Saxena
Prithvi, Agni, Jal, Akash, Sabki

Suraksha Hamare Paas
PNB MetLife India

Insurance Company
Limited
Gurgaon
Mr. Tarun Chugh
Have You Met Life Today?
SBI Life Insurance

Company Limited
Mumbai
Mr. Arijit Basu
With Us, Youre Sure
Tata AIA Life Insurance

Company Limited
Mumbai
Ishaat Hussain
A New Look at Life
United India Insurance

Company Limited
Chennai
Shri Milind A Kharat
At United India, It is Always U

Before I
among your friends.
Important Insurance Abbreviations
ACSR Accredited Customer Service Representative
ARM Associate in Risk Management
ARMP Associate in Risk Management for Public Entities
ASOP Actuarial Statement of Practice
BAP Business Auto Policy
BCBSA Blue Cross and Blue Shield Association
BI Bodily Injury
BOP Business Owners Policy
CFROI Cash Flow Return on Investments
CRIS Construction Risk and Insurance Specialist
CIC Certified Insurance Counselor
CISR Certified Insurance Service Representative
CPCU Chartered Property Casualty Underwriter
CPIW / CPIM Certified Professional Insurance Woman / Man
CCC Care, Custody, or Control (Exclusion)
COBRA Consolidated Omnibus Budget Reconciliation Act
D&B Dun & Bradstreet
DEC Declarations Page
DED Deductible
among your friends.
DI Disability Income
DIC Difference-In-Conditions (Insurance)
DIL Difference-In-Limits (Clause)
D&O Directors and Officers (Liability Insurance)
DSU Delay in Start-Up Insurance
DOB Date of Birth
DOC Drive Other Car Coverage
DOD Date of Death
EAP Estimated Annual Premium
EBIDDA Earnings Before Interest, Dividends, Depreciation, And Amortization
EH&S Environmental Health and Safety
EP Earned Premium
EPA Environmental Protection Agency
EPD Expected Policyholder Deficit
EPL Employment Practices Liability
EPLI Employment Practices Liability Insurance
ETB Engaged In Trade or Business
FAIR Fair Access to Insurance Requirements
FALU Fellow of the Academy of Life Underwriting
FCAS Fellow of the Casualty Actuarial Society
FAP Family Automobile Policy (More Commonly Pap)
FCPL Farmers Comprehensive Personal Liability
FCRA Fair Credit Reporting Act
among your friends.
FIRM Flood Insurance Rate Map
FIRREA Financial Institutions Reform Recovery and Enforcement Act
FMV Air Market Value
FTCAC Fire, Theft, and Combined Additional Coverage
FVD Full Value Declared
GAP Guaranteed Auto Protection
GCD Guaranteed Cost Discount
GIO Guaranteed Insurability Option
GKLL Garage Keepers Legal Liability (Insurance)
GL General Liability
GVW Gross Vehicle Weight
GWP Gross Written Premium
HIAA Health Insurance Association of America
HII Health Insurance Institute
HIPAA Health Insurance Portability and Accountability Act
HLDI Highway Loss Data Institute
HLV Human Life Value
HCQIA Health Care Quality Improvement Act
HPL Hospital Professional Liability (Insurance)
HPR Highly Protected Risk (Property)
IAHU International Association of Health Underwriters
IFC Insured Fixed-Price Cleanup
IIAA Independent Insurance Agents of America, Inc.
among your friends.
IIAC International Insurance Advisory Council
IIHS Insurance Institute for Highway Safety
III Insurance Information Institute
IRI Industrial Risk Insurers
IRIS Insurance Regulatory Information System
IRM Improved Risk Mutuals
ITI Insurance Testing Institute
JCAH Joint Commission on the Accreditation of Hospitals
JCAHO Joint Commission on Accreditation of Healthcare Organizations
JSA Job Safety Analysis
JUA Joint Underwriting Authority; Joint Underwriting Association
JV Joint Venture
LAE Loss Adjustment Expense
LIAA Life Insurance Association of America
LIAMA Life Insurance Agency Management Association
LIRB Liability Insurance Research Bureau
LLC Limited Liability Company
LMU Loss Mitigation Underwriting
LOC Letter Of Credit
LTA Lost Time Accident; Long Term Agreement
LTD Long-Term Disability
MCO Managed Care Organization
M&D Minimum and Deposit
among your friends.
MDO Monthly Debit Ordinary Life Insurance
MDRT Million Dollar Round Table
MET Multiple Employer Trust
MFL Maximum Foreseeable Loss
MLE Maximum Loss Expectancy
MLEA Multiple Line Exclusive Agent
MPCI Multi-Peril Crop Insurance
MPL Maximum Possible Loss
MPP Managed premium plan
MVR Motor Vehicle Record
NAUA National Auto Underwriters Association
NDI National Disaster Insurance Association
NFIP National Flood Insurance Program
NFIRA National Flood Reform Act
NFPA National Fire Protection Association
NIOSH National Institute for Occupational Safety and Health
NRRA National Risk Retention Association
NRT National Response Team
NSC National Safety Council
OCA Outstanding Claims Account
OCIP Owner Controlled Insurance Program
OD Occupational Disease
OL&T Owners, Landlords, and Tenants (Insurance)
among your friends.
ORFS Operational Risk Financing Securities
ORM Operational Risk Management
OSHA Occupational Safety and Health Act; Occupational Safety and Health Administration
OSLR Outstanding Loss Reserves
OTC Other Than Collision
PAP Personal Auto Policy
P&C Property and Casualty
PC Professional Corporation
P&I Protection and Indemnity (Insurance)
PI Personal Injury
PIA Primary Insurance Account
PIAA Physician Insurers Association of America
PICA Professional Insurance Communicators of America
PIP Personal Injury Protection
PMA Package Modification Adjustment
PMF Package Modification Factor
PMI Private Mortgage Insurance
PML Probable Maximum Loss
RAA Reinsurance Association of America
RAM Reverse-Annuity Mortgage
RAROC Risk-Adjusted Return On Capital
RARORAC Risk-Adjusted Return On Risk-Adjusted Capital
RBC Risk-Based Capital
among your friends.
RBNE Reserved But Not Enough
RC Replacement Cost
RTW Return To Work
SAA Surety Association of America
SCOPE Supervision, Construction, Occupancy, Protection, Exposure
SCPCU Society of Chartered Property & Casualty Underwriters
SEC Securities and Exchange Commission
SEMCI Single Entry Multiple Carrier Interface
S&P Standard and Poors
SPAP Special Personal Auto Policy
STD Short-Term Disability
TDB Temporary Disability Benefits
TDI Trade Disruption Insurance
TEFRA Tax Equity and Financial Responsibility Acts of 1982 & 1983
TERI Targeted Enterprise Risk Insurance
TIAA Teachers Insurance and Annuity Association
TOLI Trust-Owned Life Insurance
TOR Technique Of Operations Review
TPA Third-party administrator
TRA Tax Reform Act of 1984
TRIA Terrorism Risk Insurance Act
TTD Temporary Total Disability
UEP Unearned Premium
among your friends.
UJF Unsatisfied Judgment Fund
UIM Underinsured Motorist
UIMV Underinsured Motor Vehicle
UL Umbrella Liability; Underwriters Laboratories
ULAE Unallocated Loss Adjustment Expenses
ULC Underwriters Laboratories of Canada
UM Uninsured Motorist
UMPD Uninsured Motorist Property Damage
UMV Uninsured Motor Vehicle
UNL Ultimate Net Loss
U&O Use and Occupancy
WC Workers Compensation
WCRI Workers Compensation Research Institute
YRCT Yearly Renewable Convertible Term
YRT Yearly Renewable Term
among your friends.
Important Insurance terms
Actuary: A specialist in the mathematics of insurance who calculates rates, reserves, dividends
and other statistics
Annuity: An agreement by an insurer to make periodic payments which continue during the
survival of the annuitant(s) or for a specified period.
Claim: A demand made by the insured, or the insureds beneficiary, for payment of the benefits
as provided by the policy.
Coverage: It is the range of protection that you are provided under an insurance policy.
Death Benefit: The limit of insurance or the amount of benefit that will be paid in the event of
the death of a covered person.
Deductible: The amount you have to pay out of pocket for expenses before the insurance
company will cover the remaining costs.
Endowment Insurance: Endowment insurance pays the sum assured upon the death of the life
insured during the policy terms or on survival to the end of the policy term.
Exclusive: Things that are not covered under the policy
Indemnity: Restoration to the victim of a loss by payment, repair or replacement.
Insurable Interest: Interest in property such that loss or destruction of the property could cause
a financial loss.
Maturity value: It is the amount the insurance company has to pay you when the policy
matures. This would include the sum assured and the bonuses.
Paid-up value: If you stop paying the premiums, but do not withdraw the money from your
policy, the policy is referred to as paid-up.
Peril: It is the causes of the possible loss or damage.
Policy: Policy is the legal document issued by the insurance company that outlines the general
terms and conditions of the insurance.
Premium: It is the amount you need to pay to the insurance company.
among your friends.
Reinsurance: In effect, insurance that an insurance company buys for its own protection. The
risk of loss is spread so a disproportionately large loss under a single policy doesnt fall on one
company. Reinsurance enables an insurance company to expand its expanding volume; secure
catastrophe protection against shock losses; and withdraw a specified time period.
Renewal: The automatic re-establishment of in-force status effected by the payment of another
premium.
Rider: It is an optional feature that can be added to a policy. You will have to pay an additional
premium to avail this benefit.
Subrogation: It is the right for an insurer to pursue a third party that caused an insurance loss to
the insured. This is done as a means of recovering the amount of the claim paid to the insured
for the loss.
Sum assured: It is the amount of money an insurance policy guarantees to pay before any
bonuses are added. In other words, sum assured is the guaranteed amount you will receive.
Halfway through the policy, you might want to discontinue it and take whatever money is due to
you.
Surrender value: This is the amount payable at the end of specified duration. These amounts
are fixed and predetermined.
Insurance Settlement: A payment on an insurance claim. That is, when a valid insurance claim is
made, the insurer makes a payment to the policyholder. This is call the insurance settlement.
Lapse: Termination of a policy due to failure to pay the required renewal premium.
Term insurance: It is the most traditional life insurance policy wherein the insured gets death
benefit if any contingency happens within the policy term. The insured is, however, not entitled
to receive any survival benefit if he outlives the policy term.
Underwriting: The process of selection risks for insurance and determining in what amounts and
on what terms the insurance company will accept. Unlike a term insurance cover, if you live, an
amount will be paid to you on maturity of the plan.
among your friends.
Important Countries and Capitals and Some Significant Points
India-------------------------------------------------------------New Delhi
Pakistan--------------------------------------------------------Islamabad
Nepal------------------------------------------------------------Kathmandu
Bhutan---------------------------------------------------------- Thimphu
Sri Lanka--------------------------------------------------------Colombo
Maldives-------------------------------------------------------Male
Myanmar------------------------------------------------------Naypyidaw
Afghanistan--------------------------------------------------- Kabul
South Korea---------------------------------------------------Seoul
Japan----------------------------------------------------------- Tokyo
Australia------------------------------------------------------- Canberra
China----------------------------------------------------------- Beijing
United States-------------------------------------------------Washington DC
New Zealand------------------------------------------------- Wellington
Germany------------------------------------------------------ Berlin
Italy------------------------------------------------------------- Rome
France--------------------------------------------------------- Paris
United Kingdom--------------------------------------------- London
Spain----------------------------------------------------------- Madrid
Brazil----------------------------------------------------------- Brasilia
Russia---------------------------------------------------------- Moscow
South Africa-------------------------------------------------- Pretoria
Canada-------------------------------------------------------- Ottawa
Egypt---------------------------------------------------------- Cairo
Libya----------------------------------------------------------- Tripoli
Sudan ---------------------------------------------------------Khartaum (North Sudan)
Lebanon------------------------------------------------------- Beirut
Congo----------------------------------------------------------Brazzaville
Ivory Coast----------------------------------------------------Abidjan
Haiti------------------------------------------------------------Port-au-Prince
Liberia----------------------------------------------------------Monrovia
Nigeria---------------------------------------------------------Abuja
Indonesia------------------------------------------------------Jakarta
Argentina------------------------------------------------------Buenos Aires
Israel------------------------------------------------------------Jerusalem
among your friends.
Color __________ represents G8 Countries. The Group of Eight (G8) was the name of a forum
for the governments of a group of eight leading industrialized countries that was originally
formed by six leading industrialized countries and subsequently extended with two additional
members. Russia is currently a suspended member of this group
Color _________ represents SAARC Nations. Talks are going on to include Afghanistan in this
group. This is a group concerned with the Southern Asian Nations of the World
Color ________ Represents BRICS Countries. These Countries is a group of 5 fastest developing
nations of the world.
Color ________ represents the countries where Indian Army is handling the peace efforts under
UNO
Color ________ represents country which saw a public uprising and the people sitting in power
had to run away. Mohammad Gaddafi was ousted from Libya and Hosni Mubarak was ousted
from Egypt.
Nigeria is fighting terrorism against a group named BOKO Haram.
IRAQ and Syria Are fighting terrorism against a militant group called ISIS. They have control
over an area one-third the size of United Kingdom.
India and Australia recently signed the Nuclear Deal.
National Parks in India

KARNATAKA
UTTARAKHAND
Kudremukh National Park
Rajiv Gandhi National Park
Bannerghatta National Park
Bandipur National Park
Anshi National Park
Corbett National Park
Valley of Flowers National Park
Rajaji National Park
Gangotri National Park
Govind Pashu Vihar
Nanda Devi National Park
among your friends.

TAMIL NADU
WEST BENGAL
RAJASTHAN
MAHARASHTRA
Guindy National Park
Gulf of Mannar Marine National Park
Indira Gandhi National Park
Palani Hills National Park
Mukurthi National Park
Mudumalai National Park
Gorumara National Park
Singalila National Park
Sundarbans National Park
Neora Valley National Park
Sariska National Park
Ranthambore National Park
Desert National Park
Darrah National Park
Keoladeo National Park
Mount Abu Wildlife Sanctuary
Chandoli National Park
Tadoba Natoinal Park
Gugamal National Park
Navegaon National Park
Pench National Park
Sanjay Gandhi National Park or Borivili

National Park
among your friends.

ASSAM
GUJARAT
MADHYA PRADESH
MANIPUR
Dibru Saikhowal National Park
Kaziranga National Park
Orang National Park
Nameri National Park
Manas National Park
Vansda National Park
Blackbuck National Park, Velavadar
Gir National Park
Gulf of Kachch Marine National Park
Bandhavgarh National Park
Van Vihar National Park
Satpura Natoinal Park
Sanjay National Park
Pench National Park
Panna National Park
Madhav National Park
Kanha National Park
Mandla Plant Fossil National Park
Keibul Lamjao National Park
Sirohi National Park
Names of National Parks in Meghalaya
Nokrek National Park
Balphakram National Park
among your friends.

ANDHRA PRADESH
ANDAMAN NICOBAR ISLAND
Mahavir Harina Vanasthali National Park
Andhra Pradesh Kasu Brahmananda Reddy

National Park
Mrugavani National Park
Sri Venkateswara National Park
Campbell Bay National Park
Galathea National Park
Mahatma Gandhi Marine National Park

(Formerly known as Wandur National Park)
Middle Button Island National Park
Mount Harriet National Park
North Button Island National Park
Rani Jhansi Marine National Park
Saddle Peak National Park
South Button Island National Park
Do tell us on how was the sheet. What did you find missing and how can
we improve in on it
among your friends.

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LIC AAO Capsule - 2016

LIC AAO Capsule - 2016

Nation Highlights (INDIA)

Jharkhand Government inaugurated land bank web portal jharbhoom.nic.in

Kakatiya thermal plant commissioned in Telangana

Punjab Bans Manufacture of Gutkha, Pan Masala

Haryana child sex ratio rises by over 5%

Jallikattu in T.N., bullock cart race in Maharashtra cleared

Mysore to get Indias 1st River Gallery

LIC AAO Capsule - 2016

Kerala First to achieve 100% primary Education

20th National Youth Festival inaugurated in Naya Raipur

BSNL starts 4G service with soft launch in Chandigarh

Sikkim becomes Indias First Fully Organic state

Maharashtra first state to give maternity leave in Surrogacy

India's first blind friendly train, from Mysuru to Varanasi

AIR launches 24*7 classical music channel

Ahmedabad nominated for UNESCO heritage city tag

Kerala To Host Global Skill Summit

Kerala to launch Transgender run G-Taxi Service.

India gets its first underwater restaurant

Indias 1st railway university to come up in Gujarat.

MGNREGA as scheme completes 10 years

Persons with disability to get Unique identity cards

Infosys to build the Worlds tallest Clock Tower.

International Fleet review began at Visakhapatnam

First Kerala Literature Festival began at Kozhikode

Arun Jaitley launches Finance Ministrys official YouTube channel

Maharashtra to get Indias 1st International Arbitration centre

LIC AAO Capsule - 2016

National Deworming campaign launched by Union Health ministry

Assam CM Gogoi unveiled Vision Assam 2030

Union Government released National Framework for Malaria elimination

Gujarat to have Indias first disabled-friendly beach

Goa may term National Bird Peacock as 'Vermin'

Next phase of Odd-even traffic rationing scheme to be implemented from April 15

1st Mega Food Park in Madhya Pradesh inaugurated at Panwa

Bhubaneswar among cleanest cities in country

Oracle To Open Its First India Campus In Bengaluru.

Indias Latest Ranking in World In Various Sectors:

Production of China's first manned electric aircraft RX1E is ready

New Anti-Terrorism law to strip citizenship has been passed by Australia

LIC AAO Capsule - 2016

5th Heart of Asia conference has begun at, Islamabad Pakistan

Philippines will be hitted by Typhoon Melor

37-metre-tall golden Chairman Mao statue appears in the Chinese countryside

Largest blue star sapphire found in Sri Lanka

India will be Nepal PM Olis first foreign visit

Mein Kampf published in Germany for first time since WWII

Chinas country code domain .cn becomes worlds largest

Burkina Faso's president named Paul Kaba Thieba as Prime Minister

WHO declares LIBERIA ebola-free

Italian town welcomes first baby in 28 years

Strong 7 magnitude earthquake strikes eastern Russia

Vietnam lifted ban on import of Groundnut from India

Worlds first robot-run farm set to open in Japan

Dubai International Airport World's busiest in 2015

Vietnam gets worlds longest cable car system

Canada imposes restrictions on blood donations to prevent Zika virus

Earthquake of 5.2 magintude hit Indonesia

Strong 6.4 magnitude quake hits Taiwan

Indo Seychelles Joint Military Exercise (EX LAMITYE)