LIC Annual Report 2017 2018 WEB PDF

efveiece kesÀ Jele&ceeve meom³e
CURRENT MEMBERS OF THE CORPORATION
Þeer Jeer. kesÀ Mecee&, DeO³e#e

Shri V.K. Sharma, Chairman
Þeer megYee<e ®evê ieie& Þeer efiejerMe ®evê cegcet&

Shri Subhash Chandra Garg Shri Girish Chandra Murmu
Þeer Deéeveer kegÀceej Þeerceleer Sefueme peer Jewod³eve Þeerceleer T<ee meebieJeeve
Shri Ashwani Kumar Smt. Alice G. Vaidyan Smt. Usha Sangwan
Þeer nsceble Yeeie&Je Þeer yeer. JesCegieesHeeue Þeerceleer megveerlee Mecee&

Shri Hemant Bhargava Shri B. Venugopal Smt. Sunita Sharma
Þeer efyeceueWog ®e¬eÀyeleea Þeer Deej. Sve. ®elegJe&soer Þeer Deej. ®ebêMesKejve
Shri Bimalendu Chakrabarti Shri R.N. Chaturvedi Shri R. Chandrasekaran
2
61Jeerb Jeeef<e&keÀ efjHeesì&
61st Annual Report
2017-18
veeieefjkeÀ Iees<eCee-he$e
nceeje keÀuhevee oMe&ve
Debleje&äêr³e mlej keÀer SkeÀ heéflemheOeea, efJeMeeue efJeÊeer³e mecetn, pees efJeefYeVe meceepeeW kesÀ efueS cenlJehetCe& nes SJeb Yeejle keÀe ieewjJe nes~
nceeje ue#³e
DeekeÀeb#ee kesÀ Devegªhe Glheeo SJeb mesJeeDeeW kesÀ ceeO³ece mes mecegef®ele ueeYe kesÀ meeLe efJeÊeer³e megj#ee heóeve keÀj meYeer kesÀ peerJeve mlej keÀes efvejeheo jKevee SJeb GVele keÀjvee
leLee Deee|LekeÀ efJekeÀeme kesÀ efueS mebmeeOeve megefveeq½ele keÀjvee~
nceejs cetu³e nceejer mebmke=Àefle
DeefYej#eCe Je efMeäe®eej o#elee
DeefYe¬eÀce Je veJeervelee DevegketÀuelee
mel³eefveÿe Je heejoe|Melee men³eesie
iegCeJeÊee Je ueeYe heéfleye×lee
menYeeefielee Je mebyebOe DevegMeemeve
efJeéemeveer³elee Je Yejesmee DeefOeke=Àle keÀjvee
mebJesoveMeeruelee
Glke=Àÿlee
CITIZENS’ CHARTER
OUR VISION
To transform ourselves into a transnationally competitive financial conglomerate of significance to societies and the Pride of India.
OUR MISSION
To ensure and enhance the quality of life of people through financial security by providing products and services of aspired attributes with
competitive returns and by rendering resources for economic development.
OUR VALUES OUR CULTURE

Caring and courtesy Agility
Initiatives and Innovation Adaptability
Integrity and Transparency Collaboration
Quality and Returns Commitment
Participation and Relationship Discipline
Trustworthiness and Reliability Empowerment
Sensitivity
Excellence
1
2
2
efJe<e³e met®eer
He=ÿ
(1) DeecegKe 7
(2) efveiece SJeb meefceefle³eeW kesÀ meom³e, efveiece kesÀ Jeefjÿ he´MeemekeÀ, cegK³e yeerceebkeÀkeÀ SJeb #es$eer³e 7
meueenkeÀej yees[& SJeb Hee@efuemeer OeejkeÀ heefj<eo kesÀ meom³e
(3) Deee|LekeÀ heefjJesMe Deewj peerJeve yeercee J³eJemee³e hej meceeqä Deee|LekeÀ heefjJesMe keÀe heÝeeJe 7
(4) keÀe³e& heefjCeece : 10
I) veJe J³eJemee³e : J³eefÊeÀiele yeercee, meeceev³e Jeee|<ekeÀer, heWMeve, vee@ve eEuekeÀ nsuLe, ³etefveì eEuekeÀ J³eJemee³e,
mecetn yeercee J³eJemee³e, meeceeefpekeÀ megj#ee ³eespeveeSb, he´Lece yeercee, ieéceerCe yeercee,
II) efJeefYeVe #es$eeW ceW ®eeuet J³eJemee³e : J³eefÊeÀiele yeercee, meeceev³e Jeee|<ekeÀer, heWMeve, vee@ve eEuekeÀ nsuLe,
³etefveì eEuekeÀ J³eJemee³e, mecetn yeercee J³eJemee³e
(5) hetbpeer cees®eve leLee efveeq½ele Jeee|<ekeÀer J³eJemee³e 12
(6) hee@efueefme³eeW kesÀ meebefJeefOekeÀ efJeJejCe 12
(7) mebieþvepev³e {eb®ee 13
(8) peerJeve efveefOe, DeefOeMes<e leLee heóÊe keÀj 13
(9) meeceeefpekeÀ #es$e : mecetn yeercee ³eespeveSb SJeb Dev³e meeceeefpekeÀ megj#ee, 13
meeceeefpekeÀ #es$e ceW efveJesMe SJeb mJeCe&pe³ebefle HeÀeTb[sMeve
(10) efJeheCeve ieefleefJeefOe³eeb : efJeefYeVe ®ewveueeW Üeje efkeÀ³ee ie³ee veJe J³eJemee³e, Glheeo efJekeÀeme, yeQkesÀM³eesjsvme SJeb JewkeÀequhekeÀ ®ewveume, 14
met#ce yeercee, mJeemL³e yeercee Deewj he´l³e#e efJeheCeve
(11) DeefYekeÀlee& : DeefYekeÀlee&DeeW keÀer mebK³ee, DeefYekeÀlee& keÌueye meom³elee, Je=efÊekeÀ DeefYekeÀlee&DeeW keÀer ³eespevee, 17
cegK³e peerJeve yeercee meueenkeÀej SJeb heéefOeke=Àle DeefYekeÀlee&
(12) efJeosMe he´®eeueve : efJeosMeer MeeKeeSb, efJeosMeer meb³egÊeÀ GhekebÀheefve³eeb SJeb heéfleefveefOe keÀe³ee&ue³e, 18
(13) ieénkeÀ mebyebOe heýevOeve : oeJeeW keÀe efveyeìeje, JewkeÀequhekeÀ peefj³eeW mes heérefce³ece Yegieleeve, ieénkeÀeW keÀer efMekeÀe³ele keÀe efveyeìeje, 20
(14) efveieefcele mebhe´s<eCe 23
(15) met®evee keÀe DeefOekeÀej DeefOeefve³ece, 2005 24
(16) keÀee|cekeÀ/keÀce&®eejer mebyebOe 25
keÀce&®eeefj³eeW keÀer mebK³ee, keÀce&®eejer mebyebOe, keÀce&®eeefj³eeW keÀes DeeJeemeer³e $eÝCe, ceefnueeDeeW keÀe meMeefÊeÀkeÀjCe,
Deej#eCe : jeäêr³e veerefle keÀe³ee&vJe³eve, Devegmetef®ele peeefle/pevepeeefle³eeW SJeb Dev³e efheí[s JeieeX kesÀ efueS Deej#eCe,
MeejerefjkeÀ ªhe mes efJekeÀueebieeW kesÀ efueS Deej#eCe, YetlehetJe& mewefvekeÀ keÀce&®eeefj³eeW kesÀ efueS Deej#eCe,
KesueketÀo : Fve-neTme KesueketÀo, Deblej-efveiece KesueketÀo, yeenjer
(17) ceeveJe mebmeeOeve efJekeÀeme : mebieþve efJekeÀeme/heéfMe#eCe 28
(18) heýebOe efJekeÀeme kesÀvê 30
(19) jepeYee<ee keÀe³ee&vJe³eve 30
(20) DeefYe³eebef$ekeÀer keÀe³e&keÀueehe 31
(21) mebheoe/meeceefjkeÀ J³eJemee³e FkeÀeF& - mebheoe 31
(22) met®evee heéwÐeesefiekeÀer 31
(23) DeebleefjkeÀ DebkesÀ#eCe 33
(24) efvejer#eCe 33
(25) veJe J³eJemee³e SJeb hegveyeeacee 33
(26) meleke&Àlee 34
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(27) veeefcele efveosMekeÀ 34

(28) peesefKece heýevOeve 34
(29) keÀeheexjsì DeefYeMeemeve 34
(30) yees[& keÀer yewþkeWÀ 35
(31) kesÀvêer³e heýebOeve meefceefle 35
(32) #es$eer³e meueenkeÀej yees[& 35
(33) hee@efuemeer OeejkeÀ heefj<eo 35
(34) peerJeve yeercee efveiece DeefOeefve³ece kesÀ Debleie&le efveoxMe 35
(35) uesKee hejer#ekeÀ 35
(36) efJeÊeer³e Je<e& 2018-2019 kesÀ efueS ³eespevee 35
(37) efJeefJeOe ieefleefJeefOe³eeb: Sue.DeeF&.meer.neTeEmeie HeÀeF&veevme efueefceìs[, Sue.DeeF&.meer.c³et®³egDeue HeÀC[ Smesì 35
cewvespeceWì kebÀheveer efue., Sue.DeeF&.meer.heWMeve HeÀC[ efueefceìs[, SueDeeF&meer keÀe[& mee|Jemesme efueefceìs[
(38) DeeYeej heóMe&ve 38
• heefjCeeceeW keÀe meejebMe 39
• meejCeer 43
• heefjefMeä – I 56
efveiece, keÀe³e&keÀejer meefceefle, efveJesMe meefceefle, YeJeve meueenkeÀej meefceefle, DebkesÀ#eCe meefceefle,
GheYeesÊeÀe keÀejesyeej meefceefle, #es$eer³e meueenkeÀej yees[& SJeb yeerceeOeejer heefj<eo kesÀ meom³eieCe
• heefjefMeä – II 70
meebefJeefOekeÀ (kesÀvêer³e) uesKee hejer#ekeÀ
• uesKee : uesKee hejer#ekeÀeW keÀer efjheesì&1 128
• peerJeve J³eJemee³e : 132
• efJeÊeer³e efJeJejCe (KeC[er³e)
➢ legueve-he$e : Yeejle SJeb Yeejle kesÀ yeenj mebye× SJeb Demebye× J³eJemee³e mes mebyebefOele 132
➢ Yeejle jepemJe uesKee : Yeejle SJeb Yeejle kesÀ yeenj mebye× SJeb Demebye× J³eJemee³e mes mebyebefOele 134
(menYeeieer SJeb iewjmenYeeieer)
➢ ueeYe-neefve Keelee : Yeejle SJeb Yeejle kesÀ yeenj mebye× SJeb Demebye× J³eJemee³e mes mebyebefOele 140
➢ Devegmetef®e³eeb pees efJeÊeer³e efJeJejCeeW kesÀ DebieYetle nQ (Devegmetef®e³eeb 1 mes 15 lekeÀ) 142
➢ efJeÊeer³e efJeJejCeeW keÀe meejebMe 222
➢ Devegheele 224
➢ heéeqhle SJeb Yegieleeve uesKee (vekeÀo he´Jeen efJeJejCe) 230
• hetbpeer cees®eve (efveOee&efjle meefnle) yeercee J³eJemee³e :

➢ legueve he$e 232
➢ jepemJe uesKee 234
➢ ueeYe neefve uesKee 236
➢ Devegmetef®e³eeb pees efJeÊeer³e efJeJejCeeW kesÀ DebieYetle nQ (Devegmetef®e³eeb 1 mes 4,6,8 Deewj 11 mes 14 lekeÀ) 238
➢ heýebOeve efjheesì& 249
4
INDEX
Page
1. PREAMBLE 71
2. MEMBERS OF THE CORPORATION, VARIOUS COMMITTEES, SENIOR EXECUTIVES AND 71
APPOINTED ACTUARY, MEMBERS OF ZONAL ADVISORY BOARD AND POLICYHOLDER’S COUNCIL
3. ECONOMIC SCENARIO AND IMPACT OF MACRO ECONOMIC 71
ENVIRONMENT ON LIFE INSURANCE BUSINESS
4. WORKING RESULTS 73
I. New Business - Individual Assurance, General Annuities, Pensions, Non Linked Health,
Unit Linked Business, Group Insurance Business, Social Security Schemes, First Insurance, Rural Thrust
II. Business in Force in Various Segments — Individual Assurance, General Annuities, Pensions,
Non Linked Health, Unit Linked Business, Group Insurance Business
5. CAPITAL REDEMPTION AND ANNUITY CERTAIN BUSINESS 75
6. STATUTORY STATEMENTS REGARDING POLICIES 75
7. ORGANISATIONAL SET UP 75
8. LIFE FUND, SURPLUS AND TAXES PAID 75
9. SOCIAL SECTOR 76
Group Schemes and Social Security, Investment in social sector and Golden Jubilee Foundation
10. MARKETING ACTIVITIES 77
New Business procured during 2017-18 Channel wise, Bancassurance & Alternate Channels,
Direct Marketing, Health Insurance, Micro Insurance, Product Development, and SBA.
11. AGENTS 79
Agency Strength, Agent’s Club Membership, Career Agents Scheme, Chief Life Insurance
Advisor Scheme and Authorised Agents.
12. OVERSEAS OPERATIONS – Foreign Branches, Foreign Joint Venture Companies and Foreign Wholly Owned Subsidiary 80
13. CUSTOMER RELATIONSHIP MANAGEMENT 81
Settlement of Claims, Alternate Channels of Premium Payments, Offline Payment Channels,
Online Payment Channels and Customer’s Grievances Redressal
14. CORPORATE COMMUNICATION 84
15. RIGHT TO INFORMATION ACT, 2005 84
16. PERSONNEL & EMPLOYEE RELATIONS 86
Staff Strength, Employee Relations, Empowerment of Women, Reservation and National Policy Implementation -
Housing Loan to Agents, Office Services and Sports
17. HUMAN RESOURCES DEVELOPMENT / ORGANISATIONAL DEVELOPMENT INITIATIVES / TRAINING ACTIVITIES 88
18. MANAGEMENT DEVELOPMENT CENTRE 84
19. OFFICIAL LANGUAGE IMPLEMENTATION 84
20. ENGINEERING ACTIVITIES 90
21. STRATEGIC BUSINESS UNIT - ESTATES 90
22. INFORMATION TECHNOLOGY 90
23. INTERNAL AUDIT 92
24. INSPECTION 92
5
25. NEW BUSINESS AND REINSURANCE 92

26. VIGILANCE 92
27. NOMINEE DIRECTORS 93
28. RISK MANAGEMENT 93
29. CORPORATE GOVERNANCE 93
30. BOARD MEETINGS 93
31. CENTRAL MANAGEMENT COMMITTEE 93
32. ZONAL ADVISORY BOARD (ZAB) 93
33. POLICYHOLDERS’ COUNCIL (PHC) 93
34. DIRECTION UNDER LIC ACT 93
35. AUDITORS 93
36. BUSINESS PLANS FOR 2018-19 94
37. DIVERSIFIED ACTIVITIES 94
LIC Housing Finance Ltd., LIC Nomura Mutual Fund Asset Management Company Ltd., LIC Pension Fund Ltd.
and LIC Cards Services Ltd.
38. ACKNOWLEDGEMENT 96
l SUMMARISED RESULTS 97
l TABLES 101
l APPENDIX - I 114
Members of the Corporation and various Committees, Senior Executives and Appointed Actuary,

Members of Zonal Advisory Boards and Policyholders’ Council.
l APPENDIX - II 126
Statutory (Central) Auditors
l ACCOUNTS: Auditor’s Report 128
l LIFE BUSINESS 132
l Financial Statement (Segmental)
➢ Balance Sheet: Non Linked and Linked in respect of Business in India and Out of India. 132
➢ Revenue Account: Non Linked and Linked in respect of 134
Business in India and Out of India (Participating and Non Participating)
➢ Profit and Loss Account: Non Linked and Linked in respect of Business in India and Out of India 140
➢ Schedules forming a part of the Financial Statements (Schedule 1 to 15) 142
➢ Summary of Financial Statements 222
➢ Ratios 224
➢ Receipt and Payment Account (Cash Flow Statement) 230
l CAPITAL REDEMPTION (INCLUDING ANNUITY CERTAIN) INSURANCE BUSINESS
➢ Balance Sheet 232
➢ Revenue Account 234
➢ Profit & Loss Account 236
➢ Schedules forming part of the Financial Statements (Schedules 1 to 4, 6, 8 & 11 to 13) 238
➢ Management Report 249
6
(1) DeecegKe :
Yeejleer³e peerJeve yeercee efveiece keÀes 31.03.2018 keÀes meceehle efJeÊeer³e Je<e& kesÀ efueS peerJeve yeercee efveiece DeefOeefve³ece, 1956 keÀer Oeeje 27 kesÀ Devleie&le Deheveer 61Jeer
Jeee|<ekeÀ efjheesì& he´mlegle keÀjves ceW n<e& nes jne nw ~
(2) efveiece SJeb meefceefle³eeW kesÀ meom³e:
efveiece kesÀ meom³eeW leLee Je<e& kesÀ oewjeve FmekeÀer efJeefYeve meefceefle³eeW kesÀ meom³eeW kesÀ veece, efveiece kesÀ Jeefjÿ he´MeemekeÀ, {Z`wŠV yeerceebkeÀkeÀ, #es$eer³e meueenkeÀej
yees[& SJeb hee@efuemeerOeejkeÀ heefj<eo kesÀ veece heefjefMeä I ceW nQ ~ (He=<þ mebK³ee 56 me 69 lekeÀ)
(3) Deee|LekeÀ heefjJesMe Deewj peerJeve yeercee J³eJemee³e hej meceeqä Deee|LekeÀ keÀejkeÀ keÀe heÝeeJe

Fme Je<e& meceeqä Deee|LekeÀ efJekeÀemeeW ceW Gleej-®eæ{eJe osKes ieS nQ~ henueer íceener ceW Yeejle keÀer DeLe&J³eJemLee DemLee³eer ªhe mes `De³egeqicele’ ceboer Jeeueer jner
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mecem³eeDeeW kesÀ meceeOeeve kesÀ heéfle GþeS pee jns cenÊJehetCe& keÀoce, efJeosMeer he´l³e#e efveJesMe keÀe Deewj DeefOekeÀ GoejerkeÀjCe Deeefo Yeer osKes ieS efpememes megOeejeW
keÀer ieefle meg¢æ{ ngF&~
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ngS megOeejelcekeÀ keÀej&JeeF³eeB keÀer ieF¥ Deewj mecekeÀeefuekeÀ JeweféekeÀ Deee|LekeÀ heéfleheéeqhle ves efve³ee&leeW keÀes yeæ{eJee efo³ee~
(keÀ) mekeÀue Iejsuet Glheeo (peer[erheer)

Je<e& 2018 Deewj 2019 ceW Yeejle keÀer JeemleefJekeÀ peer[erheer Je=ef× oj kesÀ ¬eÀceMe: 7.3… Deewj 7.5… nesves keÀe Devegceeve nw~ Devebeflece DevegceeveeW kesÀ
Devegmeej DeLe&J³eJemLee ceW efheíues efJeÊeer³e Je<e& ceW 7.1… keÀer leguevee ceW 2017-18 ceW 6.7… lekeÀ Je=ef× ngF&~ efpeve #es$eeW ceW 7.0… mes DeefOekeÀ keÀer Je=ef×
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mesJeeSb’ (8.0…), ’efyepeueer, iewme, peue Deehete|le Deewj Dev³e peve Ghe³eesieer mesJeeSb“ (7.2…)~ ’ke=Àef<e, Jeve efJeÐee SJeb celm³e-heeueve“, ’Keveve
SJeb Keoeve“, ’efJeefvecee&Ce“, ’efvecee&Ce“ Deewj ’efJeÊeer³e, efj³eue Smìsì Deewj J³eeJemeeef³ekeÀ mesJeeDeeW“ ceW Je=ef× kesÀ ¬eÀceMe: 3.4…, 2.9…, 5.7…,
5.7… Deewj 6.6… nesves keÀe Devegceeve nw~
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ceW 4.6… Leer~ efJeÊeer³e Je<e& 2017-18 ceW Fme Je=ef× keÀe meceLe&ve meYeer Keb[eW ceW J³eehekeÀ DeeOeej hej Je=ef× Üeje efkeÀ³ee ie³ee nw~ efJeefvecee&Ce #es$e ceW
efJeÊeer³e Je<e& 2013-14 mes G®®elece Je=ef× oMee&³eer ie³eer nw~ Ghe³eesie DeeOeeefjle JeieeakeÀjCe kesÀ Deboj hetbpeeriele meeceeve DeJemebj®evee/ efvecee&Ce meeceeve
Deewj GheYeesÊeÀe DemLee³eer meeceeve ves Fme Je<e& kesÀ oewjeve meceie´ Je=ef× ceW mene³elee keÀer~
J³e³e kesÀ meboYe& ceW peer[erheer kesÀ heéfleMele kesÀ ªhe ceW mekeÀue eqmLej hetbpeeriele mebj®evee (peerSHeÀmeerSHeÀ) efJeÊeer³e Je<e& 2015-16 mes efheíues leerve Je<eeX ceW
28.5… hej eqmLele nw~ Je<e& 2012-13 ceW ³en 33.4… Lee pees Ieì ie³ee nw ~ mejkeÀejer J³e³e efJeÊeer³e Je<e& 2016-17 ceW peer[erheer kesÀ 10.9… mes yeæ{keÀj
efJeÊeer³e Je<e& 2017-18 ceW 11.4… nes ie³ee~ efvepeer Debeflece Kehele J³e³e efJeÊeer³e Je<e& 2016-17 ceW 59… mes meerceeblekeÀ ªhe mes yeæ{keÀj efJeÊeer³e Je<e&
2017-18 ceW peer[erheer keÀe 59.1… nes ie³ee~
(Ke) mekeÀue Iejsuet ye®ele (peer[erSme)
yee]peej cetu³eeW hej mekeÀue Iejsuet Glheeo kesÀ heéfleMele kesÀ ªhe ceW mekeÀue Iejsuet ye®eleeW kesÀ y³eesjW veer®es efo³es ie³es nQ:
mekeÀue Iejsuet Glheeo kesÀ heéfleMele kesÀ ªhe ceW #es$e-Jeej Iejsuet ye®eleW:
Je<e& Iejsuet #es$e efvepeer efveieefcele meeJe&peefvekeÀ mekeÀue Iejsuet
efJeÊeer³e ye®eleW YeeweflekeÀ ye®eleW peesæ[ #es$e #es$e ye®eleW
2016-17# 6.75… 9.51… 16.26… 12.11… 2.36… 29.98…
2015-16* 8.21… 9.58… 17.79… 12.23… 2.33… 31.25…
# efÜleer³e mebMeesefOele Devegceeve
* he´Lece mebMeesefOele Devegceeve
7
(ie) jepekeÀes<eer³e eqmLeefle

mekeÀue Iejsuet Glheeo kesÀ heéfleMele kesÀ ªhe ceW jepekeÀes<eer³e Ieeìe veer®es meejCeer ceW he´mlegle efkeÀ³ee ie³ee nw:
Je<e& keWÀê Deewj jep³e (meb³egÊeÀ) kesÀJeue keWÀê
2018-19 yeerF& 6.0 3.3
2017-18 heerS 6.5 3.5
2016-17 6.5 3.5
2015-16 7.5 3.9
2014-15 6.6 4.1
yeerF& - yepeì Devegceeve; heerS - Devebeflece JeemleefJekeÀ
Je<e& 2017-18 kesÀ Devebeflece DeebkeÀæ[eW kesÀ Devegmeej mekeÀue keÀj jepemJe `19,19,182 keÀjesæ[ Lee, efpemeceW Je<e& 2016-17 keÀer leguevee ceW 11.9… keÀer
Je=ef× ope& keÀer ie³eer~ efJeÊeer³e Je<e& 2017-18 kesÀ efue³es he´l³e#e keÀj mebieńCe oMee&les nQ efkeÀ efveJeue mebieńCe ` 9.95 ueeKe keÀjesæ[ nw, pees efJeÊeer³e Je<e&
2016-17 kesÀ oewjeve efkeÀ³es ie³es efveJeue mebieńCeeW mes 17.1… DeefOekeÀ nw~
(Ie) ceewefêkeÀ eqmLeefle³eeb
Yeejleer³e efjpeJe& yeQkeÀ ves Deee|LekeÀ veerefle hej meeJeOeeveerhetJe&keÀ ©Ke Dehevee³ee Deewj cegK³ele: lesue keÀer yeæ{leer JeweféekeÀ keÀerceleeW 7JeW Jesleve Dee³eesie kesÀ
keÀe³ee&vJe³eve Deewj keWÀê leLee jep³e mejkeÀej kesÀ mlej hej efJeÊeer³e efiejeJeìeW hej mejeskeÀej kesÀ keÀejCe Deheveer leìmLe efJeÊeer³e veerefle keÀe ©Ke peejer
jKee~ Fme Je<e& kesÀ oewjeve Yeejleer³e efjpeJe& yeQkeÀ ves Deheveer Deiemle 2017 keÀer veerefle ceW jshees oj 25 yeerheerSme mes IeìekeÀj 6… keÀj efo³ee Deewj yeekeÀer
efJeÊeer³e Je<e& ceW jshees oj Fmeer mlej hej jne~ vekeÀoer Deejef#ele Devegheele (meerDeejDeej) 4.0… hej yevee jne, peyeefkeÀ Fme Je<e& kesÀ oewjeve meebefJeefOekeÀ
heefjMeesOeve Devegheele (SmeSueDeej) 20.0… mes IeìekeÀj 19.5… keÀj efo³ee ie³ee~
(*) cegêemHeÀerefle
osMe ceW cegêemHeÀerefle kesÀ heefj¢M³e ceW Jeee|<ekeÀ mlej hej efiejeJeì DeeF&~ Je<e& 2017-18 kesÀ oewjeve Kegoje cegêemHeÀerefle 5 Je<e& ceW efvecve mlej lekeÀ efiejer~
³en efJeÊeer³e Je<e& 2016-17 ceW 95 yeerheerSme mes 4.53… mes 3.58… lekeÀ efiej ie³eer~ DevegketÀue yejmeele kesÀ keÀejCe KeeÐe cegêemHeÀerefle ceW ngF& megiecelee
ves cegêemHeÀerefle ceW mene³elee keÀjvee peejer jKee~ leLeeefhe neue kesÀ cenerveeW ceW JeweféekeÀ yee]peejeW ceW lesue keÀer keÀerceleeW ceW Je=ef× Deewj 7JeW Jesleve Dee³eesie
kesÀ cekeÀeve efkeÀje³ee YeÊes kesÀ mebMeesOeve kesÀ meebeqK³ekeÀer³e heÝeeJe kesÀ heM®eele DeeJeeme cegêemHeÀerefle kesÀ meeLe ³en ©Peeve he´l³eeJee|lele nes ie³ee~ FmekesÀ
efJehejerle LeeskeÀ cetu³e met®ekeÀebkeÀ ([yu³etheerDeeF&) DeeOeeefjle cegêemHeÀerefle cegK³ele: FbOeve Deewj efJeÐegle kesÀ G®®e cetu³e kesÀ keÀejCe efheíues Je<e& ceW 1.7…
keÀer leguevee ceW 2.9… neskeÀj ®eej Je<e& kesÀ G®®e mlej hej hengb®e ieF&~
(®e) FeqkeÌJeìer SJeb $eÝCe yeepeej
Dehe´wue 2017 mes cee®e& 2018 kesÀ oewjeve meeryeerSueDees keÀe ceeefmekeÀ Yeeefjle Deewmele 5.90… kesÀ mlej hej Lee~
28 cee®e&, 2018 keÀes SmeSv[heer yeerSmeF& meWmeskeÌme 32,969 hej yebo ngDee, pees 31 cee®e&, 2017 keÀes ³eLeeeqmLeefle 29,621 kesÀ yebo nesves Jeeues DeebkeÀæ[s mes
11.30… Thej Lee~ Fme Je<e& kesÀ oewjeve ³en 29,241 mes 36,444 keÀer jWpe ceW Lee~ efoveebkeÀ 28 cee®e&, 2018 keÀes efveHeÌìer-50 10,114 hej yebo ngDee,
pees 31 cee®e&, 2017 keÀes ³eLeeeqmLeefle 9,174 kesÀ yebo nesves Jeeues DeebkeÀæ[s mes 10.25… Thej nw~ Je<e& kesÀ oewjeve ³en 9,104 mes 11,130 keÀer jWpe ceW Lee~
cee®e&, 2018 kesÀ Deble ceW SmeSv[heer, yeerSmeF& meWmeskeÌme Deewj efveHeÌìer 50 keÀe heerF& Devegheele (keÀercele Depe&ve Devegheele) SkeÀ Je<e& henues keÀer leguevee ceW
20.62 Deewj 23.26 keÀer peien hej ¬eÀceMe: 23.78 Deewj 24.66 Lee~
iewj-mejkeÀejer gmd©O{ZH$ efueefceìs[ kebÀheefve³eeW Üeje efkeÀS ieS ve³es hetBpeer efveie&ceveeW keÀer mebK³ee 53 mes yeæ{keÀj 81 nes ieF&~ pegìeF& ie³eer OevejeefMe³eeb

Yeer, efheíues efJeÊeer³e Je<e& ceW `36,615 keÀjesæ[ keÀer leguevee ceW yeæ{keÀj ` 98,984 keÀjesæ[ nes ie³eer~ peveJejer-cee®e& keÀer efleceener kesÀ efue³es heýebOeve kesÀ
DeOeerve Deewmele heefjmebheefÊe³eeb efheíues efJeÊeer³e Je<e& keÀer leodvegªheer DeJeefOe ceW `18,29,584 keÀer leguevee ceW ` 23,05,012 keÀjesæ[ LeeR~
Yeejleer³e efjpeJe& yeQkeÀ keÀer cegêe veerefle meefceefle, SkeÀ mLee³eer DeeOeej hej 4… keÀer erf© cegêemHeÀerefle kesÀ efueS ceO³ece DeJeefOe ue#³e heéhle keÀjves kesÀ
efue³es heéfleye× nw~ Dev³e peesefKeceeW kesÀ meeLe,keÀ®®es lesue keÀer keÀerceleeW ceW neue ceW Gleej-®eæ{eJe jns nw Deewj ³en cegêemHeÀerefle ¢eqäkeÀesCe keÀes Thej
keÀer lejHeÀ Deewj veer®es keÀer lejHeÀ oesveeW ceW he³ee&hle Deefveeq½elelee heóeve keÀjlee nw~
efJeÊeer³e Je<e& 2018-19 kesÀ efue³es keWÀê mejkeÀej Üeje ` 6.27 ueeKe keÀjesæ[ kesÀ $eÝCe uesves keÀer Iees<eCee keÀer ie³eer nw~
8
8
(í) JeweféekeÀ heefj¢M³e

Debleje&äêr³e cegêe keÀes<e efjheesì& `Jeu[& FkeÀesvee@efcekeÀ DeeGìuegkeÀ'([yu³etF&Dees) kesÀ Devegmeej 3.8… hej 2017 ceW JeweféekeÀ Je=ef× 2011 mes Deye lekeÀ keÀer
meyemes leerJe´ Leer~ efJeÊeer³e eqmLeefle³eeb DeYeer Yeer meceLe&keÀejer nesves kesÀ meeLe Je<e& 2018 Deewj 2019 oesveeW ceW JeweféekeÀ Je=ef× 3.9… lekeÀ yeæ{ves keÀer mebYeeJevee
nw~ GVele DeLe&J³eJemLeeDeeW ceW mebYeeefJele #ecelee keÀer leguevee ceW Fme Je<e& Deewj Deieues Je<e& ceW leerJe´ Je=ef× nesieer; Goej Deee|LekeÀ veerefle mes meceLe&ve kesÀ
meeLe ³etjes #es$e keÀer DeLe&J³eJemLeeDeeW mes efveeq½ele ªhe mes mebkeÀerCe& hengb®e #ecelee Dee³esieer Deewj he´meejCeMeerue cegêe veerefle hetCe& efve³eespeve mes Thej ³etSme
DeLe&J³eJemLee keÀes meb®eeefuele keÀjsieer~ keÀcepeesj keÀe³e&-efve<heeove keÀer leerve Je<eeX kesÀ he½eele Jemleg efve³ee&lekeÀeW ceW SkeÀ meeceev³e yeæ{eslejer Deewj GYejles
SefMe³ee leLee ³etjeshe ceW efvejblej cepeyetle Je=ef× kesÀ meeLe GYejles yee]peej Deewj efJekeÀemeMeerue DeLe&J³eJemLeeDeeW ceW meceie´ Je=ef× kesÀ Deewj DeefOekeÀ cepeyetle
nesves keÀe Devegceeve ueiee³ee ie³ee nw~
efJeÊeer³e Je<e& 2017-18 kesÀ oewjeve Yeejle kesÀ efve³ee&le ceW 9.98… keÀer Je=ef× ope& keÀer ie³eer nw pees us $ 303.37 efyeefue³eve nw peyeefkeÀ Dee³eele ceW 19.46…
keÀer Je=ef× ngF& nw pees us $ 465.68 efyeefue³eve nw~ FmekesÀ heefjCeecemJeªhe, J³eeheej Ieeìs ceW efheíues efJeÊeer³e Je<e& ceW us $ 112.4 efyeefue³eve keÀer leguevee
ceW Je<e& 2017-18 ceW us $ 162.21 efyeefue³eve keÀer Je=ef× ngF&~
efveJeue efJeosMeer he´l³e#e efveJesMe kesÀ DebleJee&n ceW 2016-17 ceW us $ 35.6 efyeefue³eve mes 2017-18 ceW us $ 30.3 efyeefue³eve keÀer ceecetueer efiejeJeì DeeF&~
heesì&HeÀesefue³ees efveJesMe gyMr ceW SkeÀ Je<e& henues us $ 7.6 efyeefue³eve kesÀ DebleJee&n keÀer leguevee ceW us $ 22.1 efyeefue³eve keÀe efveJeue DebleJee&n ope& efkeÀ³ee
ie³ee~
osMe keÀe efJeosMeer cegêe Deejef#ele Yeb[ej ` 23,98,200 keÀjesæ[ (us $ 370 efyeefue³eve ) mes yeæ{keÀj ` 27,60,900 keÀjesæ[ (us $ 424.50 efyeefue³eve)
nes ie³ee~ cee®e&, 2018 kesÀ Deble ceW, Yeejle keÀe yee¿e $eÝCe äm§ÊSma us $ 529.7 efyeefue³eve Lee, pees cee®e& 2017 kesÀ Deble kesÀ mlej mes us $ 58.4
efyeefue³eve (12.4…) keÀer Je=ef× oMee&lee nw~ mekeÀue Iejsuet Glheeo Devegheele kesÀ heéfle Yeejle keÀe yee¿e $eÝCe cee®e& 2017 kesÀ Deble ceW 20… keÀer leguevee
ceW cee®e& 2018 kesÀ Deble ceW 20.5… Lee~
(pe) yeercee #es$e
Fme mece³e 52 peerJeve yeercee kebÀheefve³eeb nQ; FveceW mes 24 peerJeve yeercee mes mebyebefOele nw Deewj 28 Yeejle kesÀ yeercee GÐeesie ceW iewj-peerJeve yeercee J³eJemee³e
®euee jner nw~ Yeejle ceW peerJeve yeercee #es$e ceW efheíues kegÀí Je<eeX ceW he³ee&hle Je=ef× osKeer ie³eer nw~
peerJeve yeercee GÐeesie mes mebyebefOele DeebkeÀæ[s veer®es he´mlegle efkeÀS ieS nw:
(³es DeebkeÀæ[s Devebeflece Deewj DeuesKeehejeref#ele nQ)
¬eÀce meb. DeebkeÀæ[eW keÀe efJeJejCe 31.3.2018 31.3.2017 Je=ef× oj (…)
1. efve³eesefpele hetbpeer (Mes³ej heérefce³ece ³eefo keÀesF& nw, meefnle) 36,582 35,344 3.50
(` keÀjesæ[)
2. MeeKee keÀe³ee&ue³eeW keÀer mebK³ee 11,111 10,955 1.42
3. SpebìeW (J³eeqkeÌleiele) keÀer mebK³ee 20,82,668 20,88,519 -0.28
4. he´l³e#e keÀce&®eeefj³eeW keÀer mebK³ee 2,65,727 2,49,794 6.38
5. kegÀue heefjmebheefÊe³eeb (` keÀjesæ[)( FeqkeÌJeìer efveJesMe kesÀ mecesle) 33,13,049 29,80,622 11.15
6. FeqkeÌJeìer efveJesMe (yee]peej cetu³e hej) 8,12,018 7,56,274 7.37
7. DeJemebj®evee efveJesMe (` keÀjesæ[) 3,76,097 3,44,075 9.31
8. veJeerkeÀjCe heérefce³ece (` keÀjesæ[) 2,64,327 2,42,925 8.81
efheíues efJeÊeer³e Je<e& ceW ` 1,75,022 keÀjesæ[ keÀer leguevee ceW peerJeve yeerceekeÀlee&DeeW kesÀ kegÀue he´Lece Je<e& heérefce³ece ceW 10.77… lekeÀ yeæ{eslejer ngF&, pees
31.03.2018 keÀes meceehle efJeÊeer³e Je<e& kesÀ oewjeve ` 1,93,866.24 keÀjesæ[ nes ie³ee~ efJeÊeer³e Je<e& 2016-17 ceW veF& hee@efueefme³eeW keÀer mebK³ee ceW 6.41…
keÀer Je=ef× DebefkeÀle keÀer ieF&; DeLee&led ` 2.65 keÀjesæ[ mes ³en efJeÊeer³e Je<e& 2017-18 ceW ` 2.82 keÀjesæ[ lekeÀ hengb®e ieF&~
Yeejleer³e peerJeve yeercee efveiece kegÀue he´Lece Je<e& heérefce³ece ceW yee]peej efnmmes kesÀ 69.40… hej Deewj veF& hee@efueefme³eeW ceW 75.67… efnmmes hej keÀypee keÀjkesÀ
DeieĆeer yevee jne~ efveiece ves Deheves veJe J³eJemee³e heérefce³ece ceW ueieYeie 8… keÀer Je=ef× ope& keÀer pees efheíues efJeÊeer³e Je<e& 2016-17 ceW ` 1.24 ueeKe
keÀjesæ[ keÀer leguevee ceW Je<e& 2017-18 ceW ` 1.34 ueeKe keÀjesæ[ nw~
9
Je<e& 2016-17 keÀer DeeF&Deejæ[erSDeeF& keÀer Jeee|<ekeÀ efjheesì& kesÀ Devegmeej, peerJeve yeercee GÐeesie keÀer kegÀue peerJeve yeercee efveefOe keÀe efveJesMe 31.03.2017
keÀes ³eLeeeqmLeefle ` 28,54,193 keÀjesæ[ Lee pees Je<e& 2015-16 keÀer leguevee ceW ` 25,02,068 keÀjesæ[ Lee - efpemeceW 14.07… keÀer Je=ef× ope& keÀer ie³eer~
Fme he´keÀej Fme efveefOe ceW Je<e& 2015-16 ceW ` 2,54,546 keÀjesæ[ keÀer leguevee ceW Je<e& 2016-17 ceW ` 3,52,125 keÀjesæ[ keÀer he³ee&hle Je=ef× osKeer ieF&~
kegÀue Iejsuet ye®ele ceW efJeÊeer³e ye®ele keÀe efnmmee ye{ jne nw~ Je<e& 2016-17 ceW Iejsuet efJeÊeer³e ye®ele yeQkeÀ pecee jeefMe³eeW ceW peerJeve yeercee efveefOe³eeW Deewj
Mes³ejeW leLee $eÝCeHe$e ceW ®eueer ieF& efpeveceW ¬eÀceMe: 82…, 66… Deewj 345… keÀer Je=ef× ngF&~ Mes³ejeW Deewj $eÝCeHe$e keÀer ÞesCeer kesÀ Deboj c³eg®egDeue HebÀ[
ceW ye®ele keÀer Je=ef× ceW keÀeHeÀer yeæ{eslejer ope& keÀer ieF&~ efheíues oes Je<eeX keÀer DeJeefOe ceW c³eg®egDeue HebÀ[ kesÀ ªhe ceW ye®ele ceW 11 iegvee mes DeefOekeÀ Je=ef×
ope& keÀer ieF&~
peerJeve yeercee GÐeesie yeæ[er Deyeerefcele Deeyeeoer keÀe yeercee keÀjves ceW meYeer lejerkeÀeW Deewj he×efle³eeW ceW lew³eej nes jne nw~ meeLe ner meeLe,DeO³eeJemee³e ceW
megOeej keÀjves Deewj ieénkeÀesvegketÀue leLee DeefYeveJe Glheeo ueeves keÀer Jele&ceeve ®egveewefle³eeb Yeer nQ~
henues mes ner keWÀê mejkeÀej keÀer oes yeercee ³eespeveeDeeW DeLee&led `heÓeeveceb$eer peerJeve yeercee ³eespevee' Deewj `heÓeeveceb$eer megj#ee yeercee ³eespevee' ves peerJeve
yeercee kesÀ heéfle peeieªkeÀlee HewÀueeves ceW mene³elee keÀer nw~ FmekesÀ DeueeJee mJeemL³e yeercee hej veF& ³eespevee nw peneb Fmes GlheeokeÀ yeveeves kesÀ efueS meYeer
efnleOeejkeÀ FmeceW Yeeie uesves kesÀ efue³es lew³eej nQ~ meceie´ ªhe mes ³es henueW yeercee GÐeesie keÀer hewþ yeveeves Deewj meIevelee ceW Je=ef× keÀjves ceW mene³elee
keÀjWieer~
(ñeesle: Yeejleer³e yeercee efJeefve³eecekeÀ SJeb efJekeÀeme heéefOekeÀjCe, yeerceekeÀlee&DeeW keÀer keÀe³e&keÀejer heefj<eo, Yeejleer³e efjpeJe& yeQkeÀ, Yeejle keÀe Deee|LekeÀ
meJex#eCe 2017-18,Deee|LekeÀ keÀe³e& efJeYeeie Üeje efo³es ie³es cegK³e Deee|LekeÀ mebkesÀlekeÀ, meebeqK³ekeÀer³e SJeb keÀe³e&¬eÀce keÀe³ee&vJe³eve ceb$eeue³e/keWÀêer³e
meebeqK³ekeÀer keÀe³ee&ue³e, vesMeveue mìe@keÀ SkeÌme®eWpe, yee@cyes mìe@keÀ SkeÌme®eWpe, Yeejleer³e heéfleYetefle SJeb efJeefvece³e yees[&,Debleje&äêr³e cegêe keÀes<e,efJeée
J³eeheej mebieþve)
(4) keÀe³e& heefjCeece :
(I) veJe J³eJemee³e :
(keÀ) J³eefÊeÀiele yeercee :
J³eefÊeÀiele yeercee heesì&HeÀesefue³ees kesÀ Devleie&le 3 Je<eeX keÀe veJe J³eJemee³e meejCeer meb. 1S ceW efo³ee ie³ee nw ~
(Ke) meeceev³e Jeee|<ekeÀer :
meeceev³e Jeee|<ekeÀer heesì&HeÀesefue³ees kesÀ Devleie&le 3 Je<eeX keÀe veJe J³eJemee³e meejCeer meb. 1S ceW efo³ee ie³ee nw ~
(ie) hesvMeve :
hesvMeve heesì&HeÀesefue³ees kesÀ Devleie&le 3 Je<eeX keÀe veJe J³eJemee³e meejCeer meb. 1S ceW efo³ee ie³ee nw ~
(Ie) vee@ve eEuekeÀ nsuLe :
vee@ve eEuekeÀ nsuLe kesÀ Devleie&le 3 Je<eeX keÀe veJe J³eJemee³e meejCeer meb. 1S ceW efo³ee ie³ee nw ~
(æ[) ³etefveì eEuekeÀ J³eJemee³e :
³etefveì eEuekeÀ J³eJemee³e kesÀ Devleie&le 3 Je<eeX keÀe veJe J³eJemee³e meejCeer meb. 1S ceW efo³ee ie³ee nw ~
(®e) mecetn yeercee J³eJemee³e :

mecetn yeercee ³etefveì meb³egÊeÀ J³eJemee³e meefnle ³eespeveeDeeW kesÀ Devleie&le 3 Je<eeX kesÀ oewjeve efkeÀ³ee ie³ee veJe J³eJemee³e meejCeer ¬eÀ.1yeer ceW
efo³ee ie³ee nw ~
(í) meeceeefpekeÀ megj#ee ³eespeveeSb :

keWÀê mejkeÀej ves 09 ceF&, 2015 keÀes efJeÊeer³e meceeJesMeve kesÀ SkeÀ Yeeie kesÀ ªhe ceW oes SsefleneefmekeÀ yeercee ³eespeveeDeeW veecele: heÓeeveceb$eer
peerJeve p³eesefle yeercee ³eespevee (heerScepespesyeerJeeF&) Deewj heÓeeveceb$eer megj#ee yeercee ³eespevee (heerSceSmeyeerJeeF&) keÀe MegYeejbYe efkeÀ³ee Lee~ Fve
³eespeveeDeeW keÀe GÎsM³e keÀce ueeiele hej yeQkeÀeW kesÀ KeeleeOeejkeÀeW keÀes yeercee mebj#eCe GheueyOe keÀjevee nw~ heerScepespesyeerJeeF& ` 2 ueeKe keÀe
10
10
peerJeve yeercee megj#ee GheueyOe keÀjeleer nw peyeefkeÀ heerSceSmeyeerJeeF& ` 2 ueeKe keÀe ogIe&ìvee Deewj efJekeÀueebielee yeercee GheueyOe keÀjeleer nw~
18 Je<e& (hetjs keÀj efueS ieS) Deewj 50 Je<e& (efvekeÀìlece pevce efove keÀes Dee³eg) kesÀ yeer®e kesÀ, menYeeieer yeQkeÀeW kesÀ ye®ele yeQkeÀ KeeleeOeejkeÀ,
` 330/- heéfle Je<e& kesÀ heérefce³ece hej heerScepespesyeerJeeF& kesÀ Debleie&le megj#ee kesÀ hee$e nQ~ peyeefkeÀ 18 Je<e& mes 70 Je<e& kesÀ Dee³eg mecetn kesÀ
yeQkeÀ KeeleeOeejkeÀ meeOeejCe yeercee kebÀheveer kesÀ peefjS ` 12/- heéfle Je<e& kesÀ heérefce³ece hej heerSceSmeyeerJeeF& kesÀ Debleie&le megj#ee kesÀ hee$e nQ~
heerScepespesyeerJeeF& Deewj heerSceSmeyeerJeeF& kesÀ Debleie&le yeercee megj#ee SkeÀ efkeÀHeÀe³eleer heérefce³ece hej pevelee kesÀ meYeer JeieeX keÀes GheueyOe keÀje³ee
ie³ee nw~ Fve ³eespeveeDeeW kesÀ Debleie&le heérefce³ece mJe³eb KeeleeOeejkeÀeW Üeje Jenve efkeÀ³ee peelee nw Deewj FmekeÀer heérefce³ece jeefMe DebMeoelee
Üeje efo³es ie³es ceW[sì (mJeIees<eCee) kesÀ DeeOeej hej GvekesÀ yeQkeÀ Keelee mes keÀeì ueer peeleer nw ~
Yeejle mejkeÀej Üeje DeefOemetef®ele hee$elee MeleeX kesÀ Devegmeej meeceeefpekeÀ megj#ee ³eespevee kesÀ ªhe ces Deece Deeoceer yeercee ³eespevee kesÀ
Devleie&le yeerefcele ueeYeieéefn³eeW keÀes ` 30,000/- keÀe peerJeve peesefKece GheueyOe keÀje jner nw~ ` 75,000/- keÀe ogIe&ìvee Deewj hetCe&
mLee³eer efJekeÀueebielee peesefKece Deewj ` 37,500/- keÀe DeebefMekeÀ mLee³eer efJekeÀueebielee peesefKece Yeer Fme ³eespevee kesÀ Debleie&le Meeefceue
meom³eeW keÀes GheueyOe keÀje³ee peelee nw~ ` 100/- heéfle ceeme keÀer oj mes Meeefceue ueeYeieéefn³eeW kesÀ hee$e ye®®eeW keÀes `DeefleefjÊeÀ ueeYe' kesÀ
ªhe ceW íe$eJe=efÊe GheueyOe keÀjeF& peeleer nw~ SSyeerJeeF& kesÀ Debleie&le ` 200/- heéfle meom³e heéfle Je<e& kesÀ kegÀue heérefce³ece keÀe 50 heéfleMele
DebMeoeve Yeejleer³e peerJeve yeercee efveiece Üeje jKeer ieF& Yeejle mejkeÀej keÀer meeceeefpekeÀ megjef#ee efveefOe mes efkeÀ³ee peelee nw~
ªheebleefjle heÓeeveceb$eer peerJeve p³eesefle yeercee ³eespevee

veF& ³eespeveeDeeW heÓeeveceb$eer peerJeve p³eesefle yeercee ³eespevee Deewj heÓeeveceb$eer megj#ee yeercee ³eespevee kesÀ MegYeejbYe kesÀ meeLe Yeejle mejkeÀej
Üeje ³en efveCe&³e efue³ee ie³ee nw efkeÀ 01.06.2017 mes Deece Deeoceer yeercee ³eespevee (SSyeerJeeF&) keÀer meYeer ceewpetoe ³eespeveeDeeW keÀes heÓeeveceb$eer
peerJeve p³eesefle yeercee ³eespevee (heerScepespesyeerJeeF&)/ heÓeeveceb$eer megj#ee yeercee ³eespevee (heerSceSmeyeerJeeF&) ceW ªheebleefjle keÀj efo³ee peeS~
SSyeerJeeF& kesÀ ceewpetoe meom³eeW keÀes oes YeeieeW ceW efJeYeeefpele keÀj efo³ee ie³ee nw DeLee&led 18 mes 50 Je<e& Dee³eg mecetn kesÀ meom³e Deewj 51
Je<e& mes 59 Je<e& Dee³eg mecetn kesÀ meom³e~ 18 Je<e& mes 50 Je<e& Dee³eg mecetn kesÀ meom³eeW Jeeuee Yeeie heerScepespesyeerJeeF&/ heerSceSmeyeerJeeF& ceW
ªheebleefjle keÀj efo³ee ie³ee nw~ 51 Je<e& mes 59 Je<e& Dee³eg mecetn kesÀ meom³eeW Jeeuee Yeeie SSyeerJeeF& kesÀ ceewpetoe heéªhe ceW peejer jnsiee~
18 mes 50 Je<e& kesÀ Dee³eg mecetn kesÀ meom³eeW keÀes ` 330/- heéfle ceeme kesÀ heérefce³ece hej heerScepespesyeerJeeF& kesÀ Debleie&le ` 2 ueeKe keÀe
yeercee peesefKece GheueyOe keÀje³ee peelee nw~ ³es meom³e ` 12/- heéfle Je<e& kesÀ heérefce³ece hej ogIe&ìvee Deewj efJekeÀueebielee yeercee kesÀ efueS
heerSceSmeyeerJeeF& kesÀ Debleie&le Yeer yeerefcele efkeÀS peeSbies~ Fme ³eespevee keÀes kesÀJeue ` 342/- kesÀ Jeee|<ekeÀ heérefce³ece kesÀ meeLe ªheebleefjle
heerScepespesyeerJeeF&/ heerSceSmeyeerJeeF& keÀe veece efo³ee ie³ee nw~
51 Je<e& mes 59 Je<e& kesÀ Dee³eg mecetn ceW SSyeerJeeF& kesÀ ceewpetoe ueeYeieéner ªheebleefjle SSyeerJeeF& ³eespevee kesÀ Debleie&le ` 200/- keÀer Jele&ceeve
heérefce³ece oj kesÀ meeLe ceewpetoe yeercee ueeYe heéhle keÀjles jnWies~
ªheebleefjle heerScepespesyeerJeeF& ³eespevee kesÀ Debleie&le heérefce³ece keÀe 50 heéfleMele DeLee&le ` 171/- jep³e mejkeÀej/ SpeWmeer/ menkeÀejer
meefceefle Üeje Jenve efkeÀ³ee peelee nw Deewj Mes<e 50 heéfleMele DeLee&le ` 171/-, Yeejleer³e peerJeve yeercee efveiece Üeje jKeer ieF& meeceeefpekeÀ
megj#ee efveefOe kesÀ peefjS keWÀê mejkeÀej Üeje Jenve efkeÀ³ee peelee nw~
31 cee®e&, 2018 keÀes ³eLeeeqmLeefle 2.65 keÀjesæ[ peerJevees keÀes SSyeerJeeF& mes heerScepespesyeerJeeF& ceW ªheebleefjle efkeÀ³ee ie³ee nQ Deewj yeæ{s ngS yeercee
peesefKece keÀe ueeYe heéhle keÀj jns nQ~ meYeer Ghe³eg&ÊeÀ meeceeefpekeÀ megj#ee ³eespeveeDeeW kesÀ Debleie&le kegÀue 5.12 keÀjesæ[ yeerefcele efkeÀS ieS nQ~
efJeÊeer³e Je<e& 2017-18 kesÀ oewjeve ` 245.14 keÀjesæ[ keÀer OevejeefMe keÀes 43,68,595 íe$eJe=efÊe³eeb ueeYeieéefn³eeW keÀes mebefJeleefjle keÀer ieF& LeeR
Deewj meYeer meeceeefpekeÀ megj#ee ³eespeveeDeeW kesÀ Debleie&le kegÀue 1,55,602 oeJeeW kesÀ Debleie&le ` 976.53 keÀjesæ[ keÀer OevejeefMe keÀe Yegieleeve
efkeÀ³ee ie³ee nw~
ÒeOeeveceb$eer peve Oeve ³eespevee (heerScepes[erJeeF& ³eespevee)

heÓeeveceb$eer peve Oeve ³eespevee keÀe MegYeejbYe 28.08.2014 keÀes efkeÀ³ee ie³ee Lee~ Fme ³eespevee kesÀ Debleie&le yeQkeÀ Keeles Keesues ieS Les Deewj
KeeleeOeejkeÀeW keÀes ueeYe efoS ieS Les~ Fve ueeYeeW ceW mes SkeÀ nw - Yeejleer³e peerJeve yeercee efveiece kesÀ ceeO³ece mes efkeÀmeer Yeer keÀejCe mes ce=l³eg
nesves hej ` 30,000/-* keÀe peerJeve yeercee peesefKece GheueyOe keÀjevee~ Fme ³eespevee ces meeOeejCe yeercee kebÀheefve³eeW kesÀ ceeO³ece mes mejkeÀej
Üeje ` 1 ueeKe keÀe ogIe&ìvee yeercee peesefKece Yeer GheueyOe keÀje³ee ie³ee nw ~
11
efkeÀmeer Yeer keÀejCe mes ce=l³eg nesves hej ` 30,000/- keÀe peerJeve yeercee peesefKece keÀe ueeYe heéhle keÀjves kesÀ efue³es yeerefcele keÀe Dee³eg 18 mes 59
Je<e& kesÀ yeer®e nesvee ®eeefnS Deewj Jen 15.08.2014 mes 31.01.2015 kesÀ yeer®e heerScepes[erJeeF& ³eespevee ces Meeefceue nesvee/nesveer ®eeefnS leLee
Gmes SkeÀ JewOe Deewj he´®eefuele ªhes (RuPay) keÀe[& OeejkeÀ nesvee ®eeefnS~
(*mejkeÀejer efoMeeefveoxMeeW Deewj GheyebefOele hee$elee ceeheob[eW keÀer Mele& kesÀ DeOeerve)
(pe) he´Lece yeercee :
efveiece keÀer veerefle³eeW kesÀ lenle DeefOekeÀ mes DeefOekeÀ ueesieeW keÀes yeercee megj#ee heóeve keÀjves kesÀ heefjhes#³e ces Ssmes ueesieeW hej p³eeoe O³eeve efo³ee
peelee nw efpevekeÀe hetJe& ces keÀesF& Yeer yeercee veneR nw~ efJeÊeer³e Je<e& 2017-18 ces 189.86 ueeKe J³eefÊeÀ³eeW keÀe henueer yeej yeercee keÀje³ee ie³ee,
efpevekeÀer kegÀue yeercee jeefMe ` 4,63,435.29 keÀjesæ[ Leer peyeefkeÀ FmekesÀ henues Je<e& 2016-17 ces 175.96 ueeKe hee@efuemeer³eeW kesÀ Devleie&le
kegÀue yeercee jeefMe ` 3,92,420.33 keÀjesæ[ Leer~ kegÀue yeercee kesÀ Devegheele ces he´Lece yeercee keÀe Devegheele hee@efuemeer vebyej ces 89.09… leLee yeercee
jeefMe ces 84.51… nw~
(Pe) ieéceerCe yeercee hej efJeMes<e he´³eeme :
peerJeve yeercee keÀe mebosMe ieéceerCe #es$e efJeMes<eleë efheíæ[s SJeb otjmLe #es$eeW ceW he´meeefjle keÀjves kesÀ efvejblej SJeb me®esle he´³eeme efkeÀS
pee jns nw~ FmekesÀ heefjCeece mJeªhe Fve #es$eeW ceW veJe J³eJemee³e ces ueieeleej Je=ef× nes jner nw~ DeeF&Deej[erSDeeF& keÀer Devegceesefole ieéceerCe/
meeceeefpekeÀ #es$e keÀer heefjYee<ee kesÀ Devleie&le efJeÊeer³e Je<e& 2017-18 ceW ieéceerCe #es$e mes kegÀue 47,70,233 hee@efuemeer³ee@b peejer keÀj kegÀue
` 87,414.54 keÀjesæ[ yeercee jeefMe keÀe J³eJemee³e efkeÀ³ee ie³ee, pees kegÀue hee@efuemeer mebK³ee SJeb yeercee jeefMe kesÀ ¬eÀceMe: 22.38 … SJeb
15.94 … efnmmes keÀes oMee&lee nw~
(II) efJeefYeVe ÞesefCe³eeW ceW ®eeuet J³eJemee³e :
(keÀ) J³eefÊeÀiele yeercee :
J³eefÊeÀiele yeercee heesì&HeÀesefue³ees kesÀ Debleie&le efheíues 3 Je<eeX keÀe ®eeuet J³eJemee³e meejCeer meb. 3S ceW efo³ee ie³ee nw ~
(Ke) meeceev³e Jeee|<ekeÀer :
meeceev³e Jeee|<ekeÀer heesì&HeÀesefue³ees kesÀ Debleie&le efheíues 3 Je<eeX keÀe ®eeuet J³eJemee³e meejCeer meb. 3S ceW efo³ee ie³ee nw~
(ie) hesvMeve :
hesvMeve heesì&HeÀesefue³ees kesÀ Debleie&le efheíues 3 Je<eeX keÀe ®eeuet J³eJemee³e meejCeer meb. 3S ceW efo³ee ie³ee nw ~
(Ie) vee@ve eEuekeÀ nsuLe :
vee@ve eEuekeÀ nsuLe J³eJemee³e kesÀ Debleie&le efheíues 3 Je<eeX keÀe ®eeuet J³eJemee³e meejCeer meb. 3S ceW efo³ee ie³ee nw ~
([) ³etefveì eEuekeÀ J³eJemee³e :³etefveì eEuekeÀ J³eJemee³e heesì&HeÀesefue³ees kesÀ Debleie&le efheíues 3 Je<eeX keÀe ®eeuet J³eJemee³e meejCeer meb. 3S ceW efo³ee
ie³ee nw ~
(®e) mecetn yeercee J³eJemee³e :

³etefveì eEuekeÀ J³eJemee³e meefnle mecetn yeercee heesì&HeÀesefue³ees kesÀ Debleie&le efheíues 3 Je<eeX keÀe ®eeuet J³eJemee³e meejCeer meb. 3yeer ceW efo³ee ie³ee
nw ~
(5) hetbpeer cees®eve leLee efveeq½ele Jeee|<ekeÀer J³eJemee³e :

31 cee®e& 2018 lekeÀ 440 efveeq½ele Jeee|<ekeÀer hee@efueefme³eeB ` 193.60 ueeKe Jeee|<ekeÀ Jeee|<ekeÀer kesÀ efueS ®eeuet Leer~ 7,705 hetBpeer efJecees®eve hee@efueefme³eeB ` 18,761.54
ueeKe yeercee Oeve kesÀ efueS ®eeuet Leer ~
(6) heeefueefme³eeW kesÀ meebefJeefOekeÀ efJeJejCe :
yeercee DeefOeefve³ece, 1938 kesÀ Debleie&le efo³es ie³es he´he$e `[er[er' kesÀ Devegmeej efJeJejCe meejCeer meb.4 ceW meeqcceefuele efkeÀS ieS nQ ~
12
12
(7) mebieþvepev³e {eb®ee :

Yeejle ceW eqmLele keÀe³ee&ue³e :
31 cee®e&, 2018 keÀes cegbyeF&, efouueer, keÀesuekeÀelee, ®esVeF&, nwojeyeeo, keÀevehegj, Yeesheeue leLee heìvee eqmLele 8 #es$eer³e keÀe³ee&ue³e nQ ~ 113 ceC[ue keÀe³ee&ue³e
leLee 2,048 MeeKee keÀe³ee&ue³e 1431 mewìsueeF&ì keÀe³ee&ue³e leLee 1226 efceveer keÀe³ee&ue³e nQ ~ ceC[ue keÀe³ee&ue³e ieefleefJeefOe³eeW keÀes ceeefveìj SJeb efve³ebef$ele keÀjles
nQ~ MeeKee keÀe³ee&ue³e J³eJemee³e heéhle keÀjles nQ Deewj meYeer ieénkeÀ FvìjHesÀme boZ XoZ kesÀ efueS GÊejoe³eer nesles nQ ~ mewìsueeF&ì keÀe³ee&ue³e Yeer J³eJemee³e heéhle
keÀjles nQ leLee DeeJeM³ekeÀ MeerIe´ ieénkeÀ mesJee kesÀ efueS GÊejoe³eer nesles nQ ~ efceveer keÀe³ee&ue³e yeercee peeieªkeÀlee Deewj he´JesMe kesÀ he´meej kesÀ GÎsM³e mes 10,000
³ee DeefOekeÀ keÀer Deeyeeoer kesÀ meeLe Yeejle kesÀ meYeer MenjeW ceW efJeÊeceb$eer kesÀ yepeì 2013-14 kesÀ Devegmeej Keesues ieS nQ ~ efceveer keÀe³ee&ue³e DeeJeM³ekeÀ lelkeÀeue
ieénkeÀ mesJeeDeeW kesÀ efueS efpeccesoej nQ~
(8) peerJeve efveefOe, DeefOeMes<e leLee heóÊe keÀj :

peerJeve efveefOe, cetu³e efveOee&jCe DeefOeMes<e leLee kesÀvê mejkeÀej kesÀ efnmmes ceW nj Je<e& meIeveleehetJe&keÀ Je=eqOo nes jner nw ~ Je<e& 2015-16, 2016-17 leLee 2017-18
mes mebyebefOele DeebkeÀæ[s meejCeer meb. 5 ceW efoS ieS nQ ~
(9) efveieefcele meeceeefpekeÀ GÊejoeef³elJe :
I) mecetn ³eespeveeSb SJeb meeceeefpekeÀ megj#ee :
efJeefYeVe meeceeefpekeÀ megj#ee ³eespeveeDeeW kesÀ Debleie&le oeJes

efJeÊeer³e Je<e& 2017-18 kesÀ oewjeve veer®es efoS ieS y³eesjeW kesÀ Devegmeej meeceeefpekeÀ megj#ee ³eespeveeDeeW kesÀ Debleie&le ` 976.53 keÀjesæ[ keÀer OevejeefMe mes
1,55,602 oeJeeW keÀe Yegieleeve efkeÀ³ee ie³ee Lee~
efJeefYeVe meeceeefpekeÀ megj#ee ³eespeveeDeeW kesÀ Debleie&le oeJes
oeJes
³eespevee mebK³ee OevejeefMe ` (000)
SSyeerJeeF& 1,05,072 36,70,350
SmeSmepeerSme 4,284 28,693
heerScepes[erJeeF& 1,037 31,110
ªheebleefjle heerScepespesyeerJeeF& 27,400 54,80,000
ªheebleefjle SSyeerJeeF& 17,809 5,55,100
peesæ[ 1,55,602 97,65,253
efJeefYeVe meeceeefpekeÀ megj#ee ³eespeveeDeeW kesÀ veece
mebef#ehleerkeÀjCe ³eespevee keÀe veece
SSyeerJeeF& Deece Deeoceer yeercee ³eespevee
SmeSmepeerSme meeceeefpekeÀ megj#ee mecetn ³eespevee
heerScepes[erJeeF& heÓeeveceb$eer peve Oeve ³eespevee
ªheebleefjle heerScepespesyeerJeeF& ªheebleefjle heÓeeveceb$eer peerJeve p³eesefle yeercee ³eespevee
ªheebleefjle SSyeerJeeF& ªheebleefjle Deece Deeoceer yeercee ³eespevee
efJeÊeer³e Je<e&
2017-18 kesÀ oewjeve Deece Deeoceer peerJeve yeercee ³eespevee kesÀ Debleie&le Gve ye®®eeW efpevekesÀ ceelee-efhelee yeerefcele efkeÀS ngS nQ keÀes SkeÀ
efve:MegukeÀ DeefleefjÊeÀ ueeYe kesÀ ªhe ceW ` 245.14 keÀjesæ[ keÀer kegÀue 43,68,595 íe$eJe=efÊe³eeb mebefJeleefjle keÀer ieF& LeeR~
meeceeefpekeÀ megj#ee keÀJej (heerScepes[erJeeF& meefnle)
efJeÊeer³e Je<e& 2017-18 kesÀ oewjeve efJeefYeVe meeceeefpekeÀ megj#ee ³eespeveeDeeW kesÀ Debleie&le kegÀue 5.82 keÀjesæ[ J³eefÊeÀ yeerefcele efkeÀS ieS Les~
13
II) meeceeefpekeÀ #es$e ceW efveJesMe

31 cee®e&, 2018 keÀes efveiece kesÀ kegÀue efveJesMe ` 27,36,762.36 keÀjes[ jeefMe kesÀ Les~ efoveebkeÀ 31 cee®e&, 2018 lekeÀ efveiece kesÀ efveJesMe keÀe efJemle=le
JeieeakeÀjCe meejCeer 6 ceW efo³ee ie³ee nw~
Je<e& 2017-18 kesÀ oewjeve efveiece ves Yeejle mejkeÀej keÀer heéfleYetefle³eeW kesÀ ve³es efveie&ce Deewj efJeefYeVe jep³e mejkeÀejes Üeje peejer efkeÀS ieS $eÝCe efveie&ceeW
ceW (Dev³e Devegceesefole heéfleYetefle kesÀ meeLe) ¬eÀceMeë ` 1,09,633.70 keÀjes[ (yener cetu³e) Deewj ` 1,51,857.67 keÀjes[ (yener cetu³e) keÀer jeefMe
keÀe DeefYeoeve efkeÀ³ee~
meeceeefpekeÀ GÊejoeef³elJe –
DeefOekeÀeefOekeÀ ueesieeW keÀes megj#ee heóeve keÀjvee SJeb mebkeÀefuele ye®eleeW keÀes pevekeÀu³eeCe kesÀ keÀe³e& ceW ueieevee efveiece keÀe efvejblej he´³eeme jne nw~
Fme ue#³e keÀer heéeqhle kesÀ efueS efveiece efvecveefueefKele DeeOeejYetle mebj®evee Deewj meceepeesvcegKeer efveJesMeeW kesÀ ceeO³ece mes meceepe keÀu³eeCe keÀe keÀe³e& keÀj
jne nw:
l efyepeueer Glheeove Deewj efJelejCe keÀer heefj³eespeveeSb / ³eespeveeSb
l DeeJeeme #es$e
l peueehete|le Deewj ceueefvemleejCe #es$e / ³eespeveeSb
l me[keÀ, hegue, me[keÀ heefjJenve SJeb jsueJes keÀe efJekeÀeme
Je<e& 2017-18 kesÀ oewjeve Thej kesÀ #es$eeW ces efveJesMe keÀer kegÀue jeefMe ` 41,418.35 keÀjes[ nw Jen meejCeer 7 ces oer ieF& nw~ kesÀvêer³e, jep³e SJeb Dev³e
mejkeÀejer ieejbìer³egÊeÀ efJeheCeve ³eesi³e heéfleYetefle³eeW Deewj DeeOeejYetle mebj®evee leLee meceepeesvcegKeer #es$eeW ceW Mes³ej, $eÝCe Deewj $eÝCehe$e kesÀ ©he ces
kegÀue efveJesMe 31 cee®e&, 2018 keÀes ` 19,55,273.67 keÀjes[ nw~
III) Sue DeeF& meer mJeCe&pe³ebleer HeÀeTb[sMeve :

Sue.DeeF&.meer. mJeCe&pe³ebleer HeÀeTb[sMeve keÀer mLeehevee Sue.DeeF&.meer kesÀ efveieefcele meeceeef³ekeÀ oeef³elJe kesÀ SkeÀ Yeeie kesÀ ©he ceW Je<e& 2006 ceW ngF&~
HeÀeTb[sMeve kesÀ GÎsM³e iejeryeer DeLeJee keÀefþveeF&, Mew#eefCekeÀ GVeefle, ef®eefkeÀlmeer³e jenle leLee Deece pevelee kesÀ efnleeLe& Dev³e efkeÀmeer efJe<e³e ceW
megOeej nw ~ {XZm§H$ 31.03.2018 lekeÀ peerJeve yeercee efveiece ves Sue.DeeF&.meer. mJeCe& pe³ebleer HeÀeTb[sMeve keÀes ` 180 keÀjes[ kesÀ keÀe@he&me keÀer Deehete|le
keÀer Deewj Dee|pele y³eepe keÀes HeÀeTb[sMeve Üeje efJeefYeVe hejeshekeÀejer he´³eespeveeW kesÀ efueS oeve efkeÀ³ee ie³ee ~ mLeehevee mes Deye lekeÀ HeÀeTb[sMeve ves GÊeÀ
GÎsM³eeW keÀes mecee|hele iewj-mejkeÀejer mebieþveeW keÀes hetjs osMeYej ces eqmLele 444 heefj³eespeveeDeeW kesÀ ceeO³ece mes mene³elee heóeve keÀer nw ~ GÊeÀ #es$eeW ceW
GheueyOe mebj®eveelcekeÀ mene³ele kesÀ ceeO³ece mes HeÀeTb[sMeve meceepe kesÀ keÀF& Jebef®ele JeieeX lekeÀ hengb®ee nw ~

HeÀeTb[sMeve ves keQÀmej mes heerefæ[le ye®®eeW kesÀ Fueepe kesÀ efueS, ìeìe cesceesefj³eue ne@eqmheìue, cegbyeF& keÀes mene³elee keÀer ueeiele keÀe meceLe&ve efkeÀ³ee nw~
hetjs osMe Yej ceW Fme ³eespevee mes 110 ueeYeee|Le³eeW keÀes ueeYe ngDee nw~ HeÀeTb[sMeve ves ìeìe cesceesefj³eue ne@eqmheìue, cegbyeF& kesÀ keQÀmej jesefie³eeW keÀes
Demheleeue mes ìeìe efjme®e& meWìj veJeer cegbyeF& kesÀ heefjJenve kesÀ efueS yeme keÀer Kejero kesÀ efueS efJeÊe heesef<ele efkeÀ³ee nw~

Sue.DeeF&.meer. mJeCe&peb³eefle HeÀeTb[sMeve ves GÊej heósMe kesÀ meesveYeê efpeues kesÀ Debleie&le ieeseEJeohegj ieebJe keÀes meecegoeef³ekeÀ efJekeÀeme ieefleefJeefOe³eeW kesÀ
efueS Dehevee³ee nw, mee#ejlee DeefYe³eeve Deewj ef®eefkeÀlmee jenle mes mebyebefOele nw~

Sue.DeeF&.meer. mJeCe&peb³eefle íe$eJe=efÊe ³eespevee, HeÀeTb[sMeve efkeÀ SkeÀ Deewj henue nw pees meceepe kesÀ Deee|LekeÀ ¢eqä mes keÀcepeesj JeieeX kesÀ ye®®eeW keÀes
GvekesÀ mveelekeÀ/J³eeJemeeef³ekeÀ heeþîe¬eÀce lekeÀ keÀer G®®e efMe#ee heéhle keÀjves nsleg heéfle Je<e& ` 10,000/- keÀer oj mes íe$eJe=efÊe³eeb heóeve keÀjleer nw~
{XZm§H$ 31.03.2018 lekeÀ Fme ³eespevee Üeje 15,196 efJeÐeeLeea ueeYeeeqvJele ngS nw ~
(10) efJeheCeve ieefleefJeefOe³eeb :
(keÀ)
efJeÊeer³e Je<e& 2017-18 ceW efveiece Üeje 2,13,10,698 hee@efueefme³eeW kesÀ Debleie&le ` 42,950.43 keÀjesæ[ jeefMe keÀer he´Lece heérefce³ece Dee³e hetefjle keÀer ie³eer~
hee@efuemeer mebK³ee ceW 85.24… leLee he´Lece heérefce³ece Dee³e ceW 113.03… yepeì ue#³e keÀer heéeqhle ngF&~ heÓeeveceb$eer Je³e Jebovee ³eespevee kesÀ Debleie&le
2,64,857 hee@efueefme³eeW hej ` 12,486.76 keÀjesæ[ keÀe heérefce³ece Dee|pele efkeÀ³ee ie³ee~ DeefYekeÀjCe Yeleea ceW efveiece Üeje 17,630 DeefYekeÀlee&DeeW keÀer vesì
Je=ef× ope& keÀer ie³eer~
14
14
2017-18 kesÀ oewjeve ®ewveue- Devegmeej J³eefÊeÀiele veJe J³eJemee³e keÀe efJeJejCe
J³eJemee³e hee@efueefme³eeW keÀer mebK³ee (ueeKe ces) he´Lece Je<e& heérefce³ece Dee³e ( ` keÀjesæ[ ces)
heejbheefjkeÀ (uemle) 204.66 49,460.33
yewkeÀM³eesjWme SJeb JewkeÀequhekeÀ ceeO³ece 2.11 1,420.49
he´l³e#e efJeheCeve 0.69 845.16
met#ce yeercee 5.65 17.87
kegÀue 213.11 51,743.85
(Ke) yeQkesÀM³eesjsvme SJeb JewkeÀequhekeÀ heĆeeueer :

efJeÊeer³e Je<e& 2017-18 kesÀ oewjeve, yeQkesÀM³eesjWme SJeb JewkeÀequhekeÀ heĆeeueer kesÀ ceeO³ece mes nceves 2,10,834 hee@efueefme³eeB leLee `1420.50 keÀjesæ[ he´Lece
Je<eea³e heérefce³ece Dee³e hetCe& efkeÀ³ee ~ kegÀue henueer heérefce³ece Dee³e (J³eefÊeÀiele yeercee) kesÀ efueS yeQkesÀM³eesjWme SJeb JewkeÀequhekeÀ heĆeeueer heérefce³ece keÀer heéfleMele
efnmmesoejer Je<e& kesÀ oewjeve 3.27… Leer ~
Yeejleer³e efjpeJe& yeQkeÀ Üeje yeQkeÀes keÀes yeercee Deewj c³et®egDeue ]HebÀ[ pewmes Dev³e efJeÊeer³e Glheeoes keÀes yes®eves keÀer Devegceefle kesÀ yeeo yeQkeÀM³eesjWme SJeb
JewkeÀequhekeÀ heĆeeueer Je<e& 2001 ces Megª keÀer ieF& ~ he´Lece Je<e& ceW 1,455 hee@efueefme³eeB Deewj ` 2.21 keÀjesæ[ heérefce³ece mes Meg©Deele keÀjkesÀ ®ewveue 17 meeue
keÀer DeJeefOe ceW keÀF& iegvee yeæ[ ie³ee nw ~
Jele&ceeve ceW ®ewveue keÀe 12 meeJe&peefvekeÀ #es$e yeQkeÀes, 5 efvepeer yeQkeÀes, 17 #es$eer³e ieéceerCe yeQkeÀes, 36 menkeÀejer yeQkeÀes Deewj 1 efJeosMeer yeQkeÀ kesÀ meeLe
ieþpeesæ[ nw~ leLee 52 keÀe@heexjsì SpeWì SJeb 63 yeercee efJeheCeve HeÀce& (DeeF&.Sce.SHeÀ.) Yeer jesue hej nQ ~ 5 veS yeQkeÀ, 13 keÀe@heexjsì SpeWì leLee 32
yeercee efJeheCeve HeÀce& (DeeF&.Sce.SHeÀ.) Je<e& kesÀ oewjeve efve³egÊeÀ efkeÀS ieS nQ ~
Je<e& kesÀ oewjeve yeQkeÀes ves 1,80,614 hee@efueefme³eeB Deewj ` 1,350.43 keÀjesæ[ he´Lece Je<eea³e heérefce³ece Dee³e (he´.Je.heér.Dee³e) hetCe& keÀjkesÀ kegÀue yeQkeÀ SMegjWme
SJeb JewkeÀequhekeÀ heĆeeueer kesÀ hee@efueefme³eeB ces 85.67… Deewj he´.Je.heér.Dee³e cesB 95.07… keÀe ³eesieoeve efo³ee ~ Dev³e keÀe@heexjsì SpeWìes ves 28,266 hee@
efueefme³eeB kesÀ meeLe ` 36.65 keÀjesæ[ he´.Je.heér.Dee³e keÀe ve³ee J³eJemee³e hetCe& efkeÀ³ee ~ yeéskeÀjeW ves 1,476 hee@efueefme³eeB kesÀ meeLe ` 25.71 keÀjesæ[ he´.Je.heér.
Dee³e keÀe ve³ee J³eJemee³e hetCe& efkeÀ³ee~ veF& Sbefììer, DeeF&.Sce.SHeÀ. ves 478 hee@efueefme³eeB kesÀ meeLe ` 7.70 keÀjesæ[ he´.Je.heér.Dee³e keÀe ve³ee J³eJemee³e
hetCe& efkeÀ³ee ~
94 yeQkeÀ MeeKeeDeeW ves ` 1 keÀjesæ[ ³ee Gmemes p³eeoe he´.heér.Dee³e. keÀe ve³ee J³eJemee³e hetCe& efkeÀ³ee ~ 271 yeQkeÀ MeeKeeDeeW ves Je<e& kesÀ oewjeve, ` 50 ueeKe
mes ` 99 ueeKe lekeÀ he´.heér.Dee³e. keÀe ve³ee J³eJemee³e hetCe& efkeÀ³ee ~
(ie) he´l³e#e efJeheCeve :

he´l³e#e efJeheCeve ®ewveue keÀer mLeehevee Deiemle 2009 ceW ngF& ~ Fme ®ewveue keÀer Meg©Deele 6 FkeÀeF&³eeW kesÀ meeLe ng³eer Leer ~ Jele&ceeve ceW ®ewveue 123
FkeÀeF&³eeW kesÀ meeLe mechetCe& osMe ceW keÀe³e&jle nw~
J³eeJemeeef³ekeÀ Glheeove, efJe¬eÀ³e heéf¬eÀ³ee keÀer efveiejeveer Deewj J³eeheej heéf¬eÀ³ee nsleg veF& heĆeeefue³eeW kesÀ Üeje DeheÝeeefJele yeepeej lekeÀ hengB®eves Deewj
ieénkeÀeW, efJeMes<ele³ee lekeÀveerkeÀer ªhe mes DeÐeleve ³egJee Jeie& Deewj G®®e Dee³e Jeie& J³eefÊeÀ³eeW keÀes yesnlej ¬eÀ³e DevegYeJe heóeve keÀjves kesÀ GÎsM³e mes Fme
ceeO³ece keÀes Megª efkeÀ³ee ie³ee ~
efJeÊe Je<e& 2017-18 ceW ®ewveue ves 71,011 hee@efueefme³eeW Debleie&le ` 824.72 keÀjesæ[ he´Lece heérefce³ece Dee³e keÀe veJe J³eJemee³e efkeÀ³ee ~
®ewveue kesÀ efJeues heeuex eqmLele XyañW {dnUZ keWÀê Üeje Dee@veueeFve kesÀ ceeO³ece mes efJeÊe Je<e& 2017-18 ceW 16,795 hee@efueefme³eeW Debleie&le ` 185.44
keÀjesæ[ he´Lece heérefce³ece Dee³e keÀe veJe J³eJemee³e efkeÀ³ee ~
Fme ®ewveue kesÀ GoosMeeW keÀes Deeies yeæ{eves nsleg efoveebkeÀ 01.04.2015 mes ’o ®eer]HeÀ Dee@iee&veeFmej (SueDeeF&meer [e³ejskeÌì) ³eespevee, 2015“ keÀe
MegYeejbYe efkeÀ³ee ie³ee ~ 2017-18 ceW ³eespevee kesÀ Fve GÎsMeeW keÀes Deewj cepeyetle meeefyele keÀjles ng³es 771 ®eer]HeÀ Dee@ie&veeFmej kesÀ ceeO³ece mes ` 175.32
keÀjesæ[ he´Lece heérefce³ece Dee³e keÀe ³eesieoeve efo³ee ~
SueDeeF&meer keÀe F& - ìce&, peerJeve De#e³e - VI, heÓeeveceb$eer Je³e Jebovee ³eespevee (PMVVY) SJece SueDeeF&meer keQÀmej keÀJej (14.11.2017 mes
MegYeejbYe) ³en ®eej Glheeo Dee@veueeFve Kejeroer kesÀ efueS GheueyOe nQ ~
15
(Ie) mJeemL³e yeercee :

Je<e& 2017-18 kesÀ oewjeve, mJeemL³e yeercee #es$e ceW 2,10,022 mJeemL³e yeercee hee@efueefme³eeB efJe¬eÀ³e keÀeR, efpevemes ` 83.99 keÀjes[ keÀer he´Lece heérefce³ece
Dee³e Dee|pele keÀer JB© ~
mJeemL³e yeercee efJeYeeie ves HeÀjJejer 2008 mes, nwojeyeeo ceW Dehevee keÀe³e& heéjcYe efkeÀ³ee Lee , efpemekeÀe GÎsM³e Lee - mJeemL³e yeercee kesÀ efJeMeeue yeepeej
ceW Deheveer hee@efueefme³eeW leLee mesJeeDeeW kesÀ peefjS Dehevee efJemleej keÀjvee ~ 31.03.2018 lekeÀ nceves 27,49,469 ueesieeW keÀes mJeemL³e yeercee hee@efueefme³eeW
mes keÀJej efkeÀ³ee nw ~
Jele&ceeve ceW nce oes mJeemL³e yeercee Glheeo ’peerJeve Deejesi³e“ (leeefuekeÀe mebK³ee 904) pees efoveebkeÀ 16.11.2013 keÀes heéjbYe keÀer ieF& leLee ’keQÀmej
keÀJej“ (leeefuekeÀe mebK³ee 905) pees efoveebkeÀ 14.11.2017 keÀes heéjbYe keÀer ieF&, keÀe efJeheCeve keÀj jns nQ~ oesveeW ner ³eespeveeSb J³eefÊeÀ³eeW keÀes efveeq½ele
efnleueeYe heóeve keÀjleer nQ ~
Fme Je<e& kesÀ oewjeve heéhle 22,843 oeJeeW hej efveCe&³e efoS ieS leLee efoveebkeÀ 31.03.2018 keÀes yekeÀe³ee oeJes Metv³e efkeÀS ieS ~ Fme Je<e& kesÀ oewjeve
mJeemL³e yeercee oeJeeW kesÀ efveheìeve kesÀ efueS ` 32.31 keÀjes[ keÀer OevejeefMe keÀe Yegieleeve efkeÀ³ee ie³ee leLee henueer yeej ’nsuLe Hueme“(leeefuekeÀe
mebK³ee 901) yeercee ³eespevee kesÀ Debleie&le 390 heefjhekeÌJelee oeJeeW kesÀ efveheìeve kesÀ efueS ` 3.34 keÀjes[ keÀer OevejeefMe keÀe Yegieleeve efkeÀ³ee ie³ee ~
([.) met#ce yeercee :
met#ce yeercee J³eJemee³e kesÀ Debleie&le 5,64,541 hee@efueefme³ee@ ` 9.93 keÀjes[ keÀer he´Lece heérefce³ece Dee³e kesÀ meeLe efJeÊeer³e Je<e& 2017-18 ceW hetCe& keÀer
ieF&~ Fme efJeOee kesÀ DeejbYe mes Deye lekeÀ 1.96 keÀjes[ hee@efueefme³ees keÀe megj#ee mebj#eCe heóeve keÀj meceepe kesÀ Deuhe Dee³e SJeb Deuhe-megefJeOee heéhle
pevemecetn keÀes ueeYeeeqvJele efkeÀ³ee nw ~ he@eefueefme³eeW keÀer mebK³eeDeeW efkeÀ ¢eqä mes ³en Yeejleer³e peerJeve yeercee efveiece kesÀ Je<e& 2017-18 ceW Dee|pele veJe
J³eJemee³e keÀe 2.65 … nw ~
met#ce yeercee he@eefueefme³eeW keÀe efJe¬eÀ³e efJelejCe efJeefMeä Jeeefnveer kesÀ ceeO³ece mes efkeÀ³ee peelee nw efpemeces iewj mejkeÀejer mebieþve (Sve.peer.Dees.),
mJe³eb ghm`Vm mebieþve (Sme.S®e.peer), met#ce efJeÊe mebmLee (Sce.SHeÀ.Dee³e.), efveieefcele DeefYekeÀlee&, ®e³eefvele heejbheefjkeÀ DeefYekeÀlee&, efpeuee
menkeÀejer yeQkeÀ ([er.meer.yeer.), #es$eer³e ieéceerCe yeQkeÀ (Deej.Deej.yeer.), Menjer menkeÀejer yeQkeÌme (³et.meer.yeer.), heéLeefcekeÀ ke=Àef<e menkeÀejer meefceefle³ee@
(heer.S.meer), Dev³e menkeÀejer meefceefle³ee@ (meer.Sme.), yeQeEkeÀie mebheke&ÀkeÀlee& (yeer. meer) ~ 26.04.2017 mes he´®eefuele met#ce yeercee DeefYekeÀlee& he´Jeie& ceW,
DeeF&. Deej. [er. S. DeeF& ves efkeÀmeeve GlheeokeÀ kebÀheveer (SHeÀ. heer. meer.) keÀes, Gve mebmLeeDeeW keÀer met®eer ceW meeqcceefuele efkeÀ³ee nw, efpevekeÀes met#ce
yeercee DeefYekeÀlee& yevee³ee pee mekeÀlee nw~ efoveebkeÀ 31.03.2018 keÀer eqmLeefle ceW 19183 met#ce yeercee DeefYekeÀlee& ef¬eÀ³eeMeerue nw ~
efJeÊeer³e Je<e& 2017-18 ceW 215 ieéceeW keÀes’ceOegj yeercee ûeece / mecegoe³e“ ³eespevee kesÀ Debleie&le ceOegj yeercee ieéce Ieesef<ele efkeÀ³ee ie³ee nw ~ Fme ³eespevee kesÀ
Debleie&le ieéce keÀes efJekeÀemeesvceg]Ke ieefleefJeefOe³eeW kesÀ efue³es Fme #es$e mes efveOee&efjle v³etvelece he@eefueefme³ee@ hetCe& nesves hej Deee|LekeÀ heéslmeenve heóeve efkeÀ³ee
peelee nw ~
1 HeÀjJejer 2018 mes, meer.Sme.meer. F& ieJeveXme mee|Jemesme Fbef[³ee efueefceìs[ keÀer MeeKeeDees ceW Yeer, heérefce³ece keÀe Yegieleeve efkeÀ³ee pee mekeÀlee nw~
met#ce yeercee hee@efuemeerOeejkeÀ kegÀue 4,470 met#ce yeercee heérefce³ece hee@FbìeW hej veJeerkeÀjCe heérceer³ece pecee keÀj mekeÀles nw ~ meYeer 2,048 MeeKee FueekeÀeW ceW
met#ce yeercee heérefce³ece hee@Fbì GheueyOe nw ~ kegÀue veJeerkeÀjCe heérefce³ece jeefMe keÀer 41.86… heérefce³ece hee@Fbì ceW pecee ngS nw ~ efJeÊeer³e Je<e& kesÀ oewjeve,
heérefce³ece hee@Fbì ceW, veJeerkeÀjCe heérefce³ece jeefMe kesÀ mebieńCe ceW, efheíues Je<e& keÀer leguevee ceW 26.65… Je=ef× ngF& nw ~
met#ce yeercee J³eJemee³e M¡Zb kesÀ Debleie&le, efJeÊeer³e Je<e&, 2017-18 ceW ` 159.54 keÀjesæ[ kegÀue veJeerkeÀjCe heérefce³ece pecee ngDee nw~
(í) Glheeo efJekeÀeme:
Yeejleer³e peerJeve yeercee efveiece meceepe kesÀ efJeefYeVe ieénkeÀ JeieeX keÀer DeeJeM³ekeÀlee keÀer hete|le kesÀ efueS efJemle=le efJeefJeOe Glheeo heóeve keÀjlee nw~
Fme Je<e& kesÀ oewjeve efveiece ves 12 GlheeoeW keÀes he´mlegle/mebMeesefOele efkeÀ³ee nw~ FveceW 8 ve³es J³eefÊeÀiele Glheeo pewmes SueDeeF&meer keÀe DeeOeej mlecYe,
SueDeeF&meer keÀer DeeOeej efMeuee, SueDeeF&meer keÀer peerJeve Gcebie, SueDeeF&meer keÀe peerJeve GlkeÀ<e&, SueDeeF&meer keÀer kewÀvmej keÀJej, SueDeeF&meer keÀe
peerJeve efMejesceCeer, SueDeeF&meer keÀer yeercee Þeer SJeb heÓeeveceb$eer Je³e Jebovee ³eespevee, SkeÀ Jeee|<ekeÀer Glheeo SueDeeF&meer keÀer peerJeve De#e³e - VI keÀe
mebMeesOeve Deewj 3 mecetn GlheeoeW SueDeeF&meer keÀer veF& mecetn meghejSvegSMeve vekeÀo meb®e³e ³eespevee, SueDeeF&meer keÀer veF& mecetn ie´s®³egìer vekeÀo meb®e³e
³eespevee SJeb SueDeeF&meer keÀer veF& mecetn ígÆer vekeÀoerkeÀjCe ³eespevee keÀe mebMeesOeve Meeefceue nw~
16
16
FmekesÀ DeefleefjÊeÀ, efveiece ves 3 jeF[jeW pewmes SueDeeF&meer kesÀ ogIe&ìveelcekeÀ ce=l³eg leLee Dehebielee efnleueeYe jeF[j, SueDeeF&meer kesÀ ogIe&ìveelcekeÀ
efnleueeYe jeF[j, SueDeeF&meer kesÀ eEuekeÌ[ ogIe&ìveelcekeÀ ce=l³eg efnleueeYe jeF[j keÀe mebMeesefOele mebmkeÀjCe Yeer he´mlegle efkeÀ³ee nw~
efJeÊeer³e Je<e& 2017-18 kesÀ Deble lekeÀ efveiece kesÀ heeme 30 J³eefÊeÀiele Glheeo, 12 mecetn Glheeo Deewj 7 jeF[j efye¬eÀer kesÀ efueS GheueyOe Les~
Pe) Jeefjÿ J³eJemee³e men³eesieer (SmeyeerS)

Jeefjÿ efJekeÀeme DeefOekeÀeefj³eeW kesÀ G®®e heóMe&ve keÀes ceev³elee osves leLee kegÀí efJeÊeer³e SJeb iewj-efJeÊeer³e keÀe³eeX kesÀ efueS GvnW meMeÊeÀ yeveeves kesÀ efueS
Je<e& 2009 ceW Jeefjÿ J³eJemee³e men³eesieer ³eespevee Megª keÀer ieF& Leer~
Jele&ceeve SmeyeerS ³eespevee keÀes heéfJeeqä SJeb efvejblejlee kesÀ efueS {XZm§H$ 18.12.2017 kesÀ heÝeeJe mes mebMeesefOele efkeÀ³ee ie³ee nw~ Fme mebMeesefOele SmeyeerS
³eespevee kesÀ Devegmeej mecemle efJekeÀeme DeefOekeÀeefj³eeW, pees ueeiele Devegheele 8… lekeÀ kesÀ meeLe efveiece ceW keÀe³e&jle nw SJeb efpevekeÀe mesJeekeÀeue leerve
Je<e& ³ee Fmemes DeefOekeÀ jne nw leLee kegÀue he´Lece heérefce³ece Dee³e kesÀ ªhe ceW ` 2 keÀjesæ[ Dee|pele efkeÀ³es nw ³ee efpeve efJekeÀeme DeefOekeÀeefj³eeW ves 1500
hee@efuemeer³eeB heéhle keÀer nQ ³ee efveheìe³es ie³es iele cetu³eebkeÀve Je<e& ceW efpeve efJekeÀeme DeefOekeÀeefj³eeW kesÀ J³eJemLeeheve ceW he®eeme ³ee Fmemes DeefOekeÀ DeefYekeÀlee&
nQ, Fme ³eespevee ceW heéfJeeqä nsleg hee$elee jKeles nQ ~ GÊeÀ efJekeÀeme DeefOekeÀejer, peye lekeÀ heéslmeenve yeesveme Dee|pele keÀjles nw, leye lekeÀ ³eespevee ceW
Jeefjÿ J³eJemee³e men³eesieer kesÀ ªhe ceW meeqcceefuele nw ~ GvnW Fme ³eespevee kesÀ Debleie&le SmeyeerS heesì&ue kesÀ ceeO³ece mes veJeerveerkeÀjCe heérefce³ece leLee
he´mleeJe-pecee SkeÀef$ele keÀjves, mecem³eeDeeW keÀe meceeOeeve keÀjves DeLeJee DeeF&-he´mleeJe Deewj kegÀí Dev³e iewj-vekeÀoer uesveosve keÀjves keÀe DeefOekeÀej
heóeve efkeÀ³ee ie³ee nw ~
31 cee®e&, 2018 lekeÀ kegÀue SmeyeerS keÀer mebK³ee 2930 nw~
Jeefjÿ J³eJemee³e men³eesefie³eeW Üeje efJeÊeer³e Je<e& 2017-18 ceW, kegÀue veJe J³eJemee³e kesÀ 49,33,299 hee@efueefme³eeW kesÀ meeLe he´Lece heérefce³ece Dee³e kesÀ ªhe
ceW ` 9,796.16 keÀjesæ[ heéhle efkeÀ³es nQ ~
Deewmeleve he´Lece heérefce³ece Dee³e heéfle SmeyeerS ` 3.34 keÀjesæ[ nQ ~
hetCe& keÀer ieF& hee@efueefme³eeW keÀer Deewmeleve mebK³ee heéfle SmeyeerS 1,684 nw~
efJeÊeer³e Je<e& 2017-18 kesÀ efueS, efveiece kesÀ kegÀue J³eJemee³e ceW SmeyeerS ®ewveue keÀer heéfleMelelee ³eesieoeve hee@efueefme³eeW keÀer mebK³ee ceW 23.15… Deewj
he´Lece heérefce³ece Dee³e ceW 22.81… jne nw~
SueDeeF&meer SmeesefmeSìdme ³eespevee (SueDeeF&meerS)
{XZm§H$ 01.04.2016 mes SueDeeF&meerS ³eespevee Megª keÀer ieF& Leer, efpemekeÀe GÎsM³e SkeÀ DeefYeveJe efJelejCe ®ewveue keÀes heéjbYe keÀjvee leLee mesJeeefveJe=efÊe
kesÀ mece³e Jeefjÿ J³eJemee³e SmeesefmeSìdme keÀer cetu³eJeeve efJeheCeve heéfleYee keÀes ueeYeheó ªhe mes hegvee|vecee&Ce keÀj, efJelejCe heĆeeueer keÀes meg¢æ{ keÀjvee
Lee~ SueDeeF&meerS kesÀ ªhe ceW mesJeeefveJe=Êe SmeyeerS keÀer efve³egefÊeÀ, Megª ceW 3 Je<e& kesÀ efueS nw SJeb Fmes oes Je<e& lekeÀ kesÀ efueS yeæ{e³ee pee mekeÀlee nw~
SueDeeF&meerS keÀes veJeerve DeefYekeÀlee&DeeW keÀer efve³egefÊeÀ keÀjves Deewj Jele&ceeve DeefYekeÀlee&DeeW keÀes meueen osves Deewj Fve DeefYekeÀlee&DeeW mes veJe J³eJemee³e
Dee|pele keÀjves kesÀ DeueeJee GvekeÀer Deesj mes veJeerveerkeÀjCe heérefce³ece, he´mleeJe-pecee keÀes SkeÀef$ele keÀjves keÀe Yeer DeefOekeÀej nw~ 31.03.2018 lekeÀ keÀer
DeJeefOe kesÀ efueS, SueDeeF&meerS keÀer kegÀue mebK³ee 53 nw Deewj GvekeÀer Spesvmeer J³eJemLeeheve 4,438 nw DeLeJee GvneWves kegÀue 75,986 hee@efueefme³eeB heéhle
keÀeR nw SJeb kegÀue he´Lece heérefce³ece Dee³e kesÀ ªhe `183.01 keÀjesæ[ Dee|pele efkeÀ³es nw ~
(11) DeefYekeÀlee& :
keÀ) DeefYekeÀlee&DeeW keÀer mebK³ee :
nceejs kegÀue DeefYekeÀlee&DeeW keÀer mebK³ee 31.03.2018 keÀes 11,48,811 nw pees efkeÀ iele Je<e& 31.03.2017 keÀes 11,31,181 Leer~ efveiece kesÀ 31.03.2018
keÀes meef¬eÀ³e DeefYekeÀlee&DeeW keÀer mebK³ee 10,71,945 nw efpemekeÀer leguevee ces iele Je<e& 31.03.2017 keÀes meef¬eÀ³e DeefYekeÀlee&DeeW keÀer mebK³ee 10,46,484
Leer~
Ke) DeefYekeÀlee& keÌueye meom³elee :

G®®e mlej hej keÀe³e& keÀjves Jeeues DeefYekeÀlee&DeeW keÀes Glmeeefnle keÀjves leLee ceev³elee heóeve keÀjves nsleg efJeefYeVe keÌueyeeW keÀe efvecee&Ce efkeÀ³ee ie³ee nw~
efJeefYeVe keÌueyeeW keÀer meom³elee keÀe efJeJejCe {ZåZefueefKele leeefuekeÀe ces efo³ee ie³ee nw :
17
efJeefYeVe keÌueye mlejeW kesÀ meom³e

keÌueye kesÀ veece meom³elee Je<e&
2017-18 2016-17 2015-16
keÀe@heexjsì 191 167 214
iewuekeÌmeer 623 426 429
DeO³e#e 39,411 39,249 38,435
#es$eer³e heýebOekeÀ 31,562 31,323 31,213
ceC[ue heýebOekeÀ 53,504 53,871 55,029
MeeKee heýebOekeÀ 45,380 50,561 56,162
efJeefMeä DeefYekeÀlee& 13,078 12,500 11,477
kegÀue 1,83,749 1,88,097 1,92,959
ie) Je=efÊekeÀ DeefYekeÀlee& ³eespevee :

efveiece ceW DeefYekeÀlee& yeue kesÀ J³eJemee³eerkeÀjCe keÀes GVele keÀjeves nsleg veiejer³e Je=efÊekeÀ Deewj ieéceerCe Je=efÊekeÀ DeefYekeÀlee& ³eespevee nw~ J³eJemee³e ces
eqmLejlee heéhle keÀjeves nsleg J³eJemee³e keÀer Meg©Deele ces Gvns Je=efÊekeÀe oer peeleer nw~ 31 cee®e& 2018 keÀes efveiece ces 2,474 veiejer³e Je=efÊekeÀ DeefYekeÀlee&
Deewj 45,172 ieéceerCe Je=efÊekeÀ DeefYekeÀlee& nw~
meYeer efJekeÀeme DeefOekeÀeefj³eeW keÀes Je=efÊekeÀ DeefYekeÀlee& Yeleea keÀjves keÀe DeJemej osves kesÀ efueS Je<e& 2010 ces Menjer Je=efÊekeÀ DeefYekeÀlee& ³eespevee keÀe DeejcYe
efkeÀ³ee ie³ee Lee~ 31 cee®e& 2018 keÀes efveiece ces 18,801 Menjer Je=efÊekeÀ DeefYekeÀlee& nw~
(Ie) cegK³e peerJeve yeercee meueenkeÀej ³eespevee, 2008 :

efveiece ves mebieþveelcekeÀ Je=eqOo nsleg efJeÐeceeve G®®emlej keÀe keÀe³e& keÀjves Jeeues DeefYekeÀlee&DeeW keÀer #eceleeDeeW keÀes Ghe³eesie ceW ueeles ngS DeefOekeÀeefOekeÀ
DeefYekeÀlee&DeeW keÀes Yeleea keÀj yeepeej ceW Deheves ceÔlJe keÀes Je=eÅOoiele keÀjves kesÀ GÎsMe mes efoveebkeÀ 12.04.2008 keÀes GÊeÀ ³eespevee keÀe DeejbYe efkeÀ³ee~
efveiece ves ³eespevee kesÀ omeJes Je<e& ceW efoveebkeÀ 31.03.2018 lekeÀ 21,137 ef¬eÀ³eeMeerue cegK³e peerJeve yeercee meueenkeÀejeW kesÀ he³e&Jes#eCe ceW jns 1,58,014
met®eeryeOo DeefYekeÀlee&DeeW kesÀ men³eesie mes 24,18,362 (16.83… Je=eqOo) he@eefueefme³eeW kesÀ meeLe ` 5410.42 keÀjesæ[ (28.26… Je=eqOo) kesÀ he´Lece Òeerefce³ece
keÀe Glheeove efkeÀ³ee~ ®ewveue keÀe {hñgm he@eefuemeer ceW 31.03.2017 kesÀ 10.30… keÀer leguevee ceW 11.35… Deewj Òeerefce³ece ceW 31.03.2017 kesÀ 11.14…
keÀer leguevee ceW 12.60… jne~
cegK³e peerJeve yeercee meueenkeÀejeW keÀer eqmLeefle yeæ{eves kesÀ efueS Deewj GvekesÀ yeer®e J³eeJemeeef³ekeÀlee ueeves kesÀ efueS meerSueDeeF&S efyeíes[ kesÀ ®eej mlej
hesMe efkeÀS ieS Les~ meom³elee Je<e& 2017-18 kesÀ efueS 982 jpele efyeíes[ kesÀ meom³e, 901 mJeCe& efyeíes[ kesÀ meom³e, 1,013 [e³eceb[ efyeíes[ meom³e
Deewj 222 huewefìvece efyeíes[ kesÀ meom³e nQ~ kegÀue efyeíes[ meom³e 3,118 nQ~
([) heéefOeke=Àle DeefYekeÀlee& :

Òeerefce³ece Yegieleeve SJeb mesJee ceW DeefOekeÀ megefJeOeeDeeW kesÀ efueS ieénkeÀeW keÀer yeæ{leer ngF& Dehes#eeDeeW kesÀ Deveg©he, Òeerefce³ece hee@F¥ìme kesÀ peefjS
veJeerkeÀjCe Òeerefce³ece kesÀ mebień keÀjves nsleg, efveiece ves ®egefvevoe DeefYekeÀlee&DeeW keÀes heéefOeke=Àle efkeÀ³ee nw~ 31.03.2018 lekeÀ osMeYej ceW Ssmes ’Òeerefce³ece
Hee@F¥ìme“ keÀer meb]K³ee 33,736 nw~ Fve heéefOeke=Àle DeefYekeÀlee&DeeW Üeje ` 41,199.69 keÀjesæ[ kesÀ veJeerkeÀjCe Òeerefce³ece pecee efkeÀ³ee ie³ee, efpevneWves
Yeejleer³e peerJeve yeercee efveiece kesÀ ieénkeÀeW keÀes 8.85 keÀjesæ[ veJeerkeÀjCe Òeerefce³ece jmeeroW peejer keÀeR~ Fme lejn mes veJeerkeÀjCe Òeerefce³ece ceW 9.48…
Deewj veJeerkeÀjCe Òeerefce³ece jmeeroeW keÀer mebK³ee ceW 0.31… keÀer Je=ef× ngF&~ Fve Òeerefce³ece hee@F¥ìme kesÀ ceeO³ece mes kegÀue mebieéfnle Òeerefce³ece keÀe 24.58…
Òeerefce³ece mebef®ele efkeÀ³ee ie³ee~
(12) efJeosMeer he´®eeueve :
keÀ) efJeosMeer MeeKeeSB :

efveiece Dehevee yeercee J³eJemee³e efHeÀpeer (megJee SJeb ueewìgkeÀe) , ce@ejerMeme ( heesì& uetF&) Deewj ³et.kesÀ.(Jescyues) eqmLele MeeKeeDeeW Üeje keÀj
jne nw ~ efJeosMeer MeeKeeDeeW Üeje Je<e& 2017-18 kesÀ oewjeve kegÀue 15,194 he@eefueefme³eeb peejer keÀer, efpevekeÀer kegÀue heérefce³ece Dee³e ` 325.05
keÀjesæ[ nw~
18
18
Ke) efJeosMeer meb³egÊeÀ kebÀheveer :

peerJeve yeercee efveiece (FbìjvewMeveue) yeer.Sme.meer.(meer), yenjerve:-

Sue DeeF& meer (FbìjvewMeveue) yeer.Sme.meer.(meer), yenjerve, Yeejleer³e peerJeve yeercee efveiece leLee cesmeme& FvìjkeÀesue keÀe meb³egÊeÀ GÎ³ece
nw~ Fme keÀer mLeehevee Kee[er osMeeW ces keÀe³e&jle DeefveJeemeer Yeejleer³eeW kesÀ peerJeve yeercee keÀer DeeJeM³ekeÀlee keÀer hete|le kesÀ efueS 23 pegueeF& 1989
keÀes ngF& Leer ~ ³en kebÀheveer DecejerkeÀer [euej ceW he@eefueefme³eeb peejer keÀjleer nw ~ kebÀheveer yenjerve, kegÀJewle, ³et.S.F&. (ogyeF& Deewj Deyet Oeeyeer)
keÀleej SJeb Deesceeve Fve heeB®e Keeæ[er osMees ceW keÀe³e&jle nw ~ 31.12.2017 keÀes meceehle Je<e& ceW kebÀheveer ves ` 3,487.50 keÀjesæ[ keÀer kegÀue vesì
heérefce³ece Dee³e Dee|pele keÀer ~
peerJeve yeercee efveiece (vesheeue) efueefceìs[,vesheeue :-
26 efomecyej 2000 keÀes Yeejleer³e peerJeve yeercee efveiece ves vesheeue kesÀ DeieĆeer DeewÎesefiekeÀ mecetn efJeMeeue ie´the leLee vesheeue keÀer he´pee kesÀ meeLe
meb³egÊeÀ GÎ³ece - Sue DeeF& meer (vesheeue) heéjbYe efkeÀ³ee ~ ³en kebÀheveer vesheeue mìekeÀ SkeÌm®eWpe hej met®eerye× nw ~ Fme kebÀheveer ves 15
pegueeF& 2017 keÀes meceehle Je<e& ceW ` 544.32 keÀjesæ[ keÀer kegÀue vesì heérefce³ece Dee³e Dee|pele keÀer ~
peerJeve yeercee efveiece (uebkeÀe) efueefceìs[, uebkeÀe :-

Sue DeeF& meer (uebkeÀe) efueefceìs[, Yeejleer³e peerJeve yeercee efveiece leLee cesmeme& yeeì&ueerì ìêvmekewÀefheìue efueefceìs[ kesÀ meb³egÊeÀ GÎ³ece mes
ÞeeruebkeÀe ceW efoveebkeÀ 1 cee®e& 2003 keÀes Meg© ngF& Leer ~ 31.12.2017 keÀes meceehle Je<e& ceW kebÀheveer ves ` 24.79 keÀjesæ[ keÀer kegÀue vesì heérefce³ece
Dee³e Dee|pele keÀer ~
kesÀve Feqv[³ee SM³eeWjsvme kebÀheveer efueefceìs[,kesÀv³ee :

Yeejleer³e peerJeve yeercee efveiece, meeOeejCe yeercee efveiece SJeb Dev³e kesÀ menYeeefielee ceW meb³egÊeÀ yeercee GÐece - kesÀve Feqv[³ee SM³eeWjsvme kebÀheveer
efueefceìs[ keÀer mLeehevee efoveebkeÀ 06 efomecyej 1978 keÀes kesÀv³ee ces keÀer ieF&~ kesÀve Feqv[³ee kebÀheveer peerJeve Deewj meeOeejCe yeercee oesveeW kesÀ
J³eeheej ceW keÀe³e&jle nw ~ 31.12.2017 keÀes meceehle Je<e& ceW kebÀheveer ves ` 391.06 keÀjes[ keÀer kegÀue vesì heérefce³ece Dee³e Dee|pele keÀer ~
meToer Fbef[³eve kebÀheveer ]HeÀe@j keÀesDee@hejsefìJe FvM³eesjsvme:

meToer Fbef[³eve kebÀheveer ]HeÀe@j keÀes Dee@hejsefìJe FvM³eesjsvme (Sme.DeeF&.meer.meer.DeeF&), Yeejleer³e peerJeve yeercee efveiece, SueDeeF&meer
(FCìjvewMeveue) yeer.Sme.meer.(meer), yenjerve, v³et Feqv[³ee SM³eeWjvme kebÀheveer efueefceìs[, Dev³e SJeb meToer Dejye kesÀ ueesieeW kesÀ yeer®e
SkeÀ meb³egÊeÀ GÎ³ece nw~ meToer Fbef[³eve kebÀheveer ]HeÀe@j keÀesDee@hejsefìJe FvM³eesjsvme keÀer mLeehevee efoveebkeÀ 17 pegueeF&,2007 keÀes keÀer ieF&~
Yeejleer³e peerJeve yeercee efveiece Deewj SueDeeF&meer (FCìjvewMeveue) yeer.Sme.meer.(meer) yenjerve he´l³eskeÀ keÀer Mes³ej menYeeefielee 4.98… nw
~ kebÀheveer peerJeve Deewj meeOeejCe yeercee oesveeW kesÀ J³eeheej ceW keÀe³e&jle nw ~ 31.12.2017 keÀes meceehle Je<e& ceW kebÀheveer ves ` 678.77 keÀjesæ[
keÀer kegÀue vesì heérefce³ece Dee³e Dee|pele keÀer~
peerJeve yeercee efveiece (Sue DeeF& meer) yeebiueeosMe efueefceìs[, yeebiueeosMe :-

peerJeve yeercee efveiece (Sue DeeF& meer) yeebiueeosMe efueefceìs[, Yeejleer³e peerJeve yeercee efveiece, mì^sìeref]pekeÀ FeqkeÌJeìer cewvespeceQì efueefceìs[
Deewj c³et®egDeue ì^mì yeQkeÀ efueefceìs[ kesÀ meb³egÊeÀ GÐece mes yeebiueeosMe ceW efoveebkeÀ 14 efomecyej 2015 keÀes kebÀheveer DeefOeefve³ece 1994 SkeÌì
XVIII kesÀ lenle mLeehevee keÀer ieF& nw~ 31.12.2017 keÀes meceehle Je<e& ceW kebÀheveer ves ` 5.81 keÀjesæ[ keÀer kegÀue vesì heérefce³ece Dee³e Dee|pele
keÀer~
ie) efJeosMeer hetCe& mJeeefcelJe Jeeueer mene³ekeÀ kebÀheveer:
peerJeve yeercee efveiece (eEmeieehegj) Heer ìer F& efueefceìs[, eEmeieehegj:-

Yeejleer³e peerJeve yeercee efveiece keÀer hetCe& mJeeefcelJe Jeeueer mene³ekeÀ kebÀheveer, peerJeve yeercee efveiece (eEmeieehegj) Heer ìer F& efueefceìs[ keÀer
mLeehevee efoveebkeÀ 30.04.2012 keÀes eEmeieehegj ceW keÀer ieF& ~ 31.12.2017 keÀes meceehle Je<e& ceW kebÀheveer ves ` 80.76 keÀjesæ[ keÀer kegÀue vesì
heérefce³ece Dee³e Dee|pele keÀer~

mee.J³e.F&./Deblejjeäêr³e he´®eeueve efJeYeeie keÀer efJeosMeer FkeÀeF³eeW ves efJeÊeer³e Je<e& 2017-18 ceW veJe J³eJemee³e keÀer 2,19,892 he@eefueefme³ees
Deewj ` 2,991.63 keÀjesæ[ keÀer kegÀue he´Lece heérefce³ece Dee³e Dee|pele keÀer~ efveiece keÀer he´Lece heérefce³ece Dee³e ceW mee.J³e.F&./Debleje&äêr³e
he´®eeueve efJeYeeie keÀer he´Lece heérefce³ece Dee³e keÀe JeemleefJekeÀ efnmmee 6.97… nw~
19
(13) ieénkeÀ mebyebOe heýebOeve (ieé.meb.he´.)

oeJeeW keÀe efveheìeve :
ieénkeÀ-keWÀefêle mebmLeeve kesÀ ªhe ceW nceeje ³en ueieeleej he´³eeme jnlee nw efkeÀ nce Deheves oeJee efveheìeve ceW Deheves mlej keÀes ncesMee Tb®ee jKeW ~
Je<e& kesÀ oewjeve efveiece ves 277.45 ueeKe oeJeeW kesÀ efueS ` 1,32,171.45 keÀjesæ[ (met#ce yeercee Deewj ie´ghe ³eespevee meefnle) keÀe efveheìeve efkeÀ³ee nw ~ efheíues leerve
Je<eeX kesÀ efueS oeJeeW kesÀ efveheìeve mes mebyebefOele DeebkeÀæ[s veer®es efoS ieS nQ ~
Je<e& efveheìeS ieS heefjhekeÌJelee oeJes‡ efveheìeS ieS ce=l³eg oeJes‡
mebK³ee jeefMe Deoe keÀer ie³eer mebK³ee jeefMe Deoe keÀer ie³eer
(ueeKe ceW) (keÀjesæ[.) heéfleMele (mebK³ee ceW) (ueeKe ceW) (keÀjesæ[.) heéfleMele (mebK³ee ceW)
2015-16 205.75 83,667.60 98.26 9.96 12,181.34 98.67
2016-17 205.11 99,109.66 97.20 10.47 13,581.14 98.71
2017-18 267.36 1,17,888.30 95.50 10.09 14,283.15 98.55
‡
THej efoS ies DeebkeÀæ[s mebyeefOele efJeÊeer³e Je<eex kesÀ oewjeve Yegieleeve efkeÀS ieS oeJeeW kesÀ nw~
Deeieeceer Je<eeX ceW Yeer oeJeeW keÀe mece³e mes efveheìeve keÀjves hej nceeje HeÀeskeÀme nesiee~
oeJee efJeJeeo efveJeejCe meefceefle

efveiece he´sl³ekeÀ Je<e& SkeÀ yeæ[er mebK³ee ceW oeJeeW keÀes efveheìeve keÀjlee nw kesÀJeue keÀheìhetCe& ªhe mes cenÊJehetCe& leL³eeW keÀes efíheeS peeves keÀer oMee ceW oeJee DemJeerkeÀej
keÀj efo³ee peelee nQ ~ ³eO³eeefhe DemJeerke=Àle efkeÀS ieS oeJeeW keÀer mebK³ee yengle keÀce nesleer nQ efHeÀj Yeer Fve ceeceueeW ceW Yeer oeJesoej keÀes ³en DeJemej efo³ee peelee nw
efkeÀ Jen oeJes hej hegvee|Je®eej nsleg Dehevee he´sefleJesove kesÀvêer³e keÀe³ee&ue³e SJeb #es$eer³e keÀe³e&ue³e mlej hej yeveer oeJee efJeJeeo efveheìeve meefceefle³eeW kesÀ mece#e he´mlegle
keÀj mekesÀ ~ Ssmeer meceer#ee kesÀ heefjCeemJeªhe he´l³eskeÀ ceeceues kesÀ iegCe oes<e kesÀ DeeOeej hej Ghe³egÊeÀ efveCe&³e efueS peeles nQ ~ kesÀvêer³e keÀe³ee&ue³e Deewj #es$eer³e
keÀe³ee&ue³e oeJee efJeJeeo efveJeejCe meefceefle³eeW ceW Dev³e meom³eeW kesÀ meeLe-meeLe Dev³e meom³e G®®e v³ee³eeue³e / efpeuee v³ee³eeue³e kesÀ mesJeeefveJe=le v³ee³eeOeerMe
Yeer nes mekeÀles nQ~
heérefce³ece Yegieleeve kesÀ efueS JewkeÀequhekeÀ ceeO³eceë

SueDeeF&meer kesÀ heeme efJeefYeVe JewkeÀequhekeÀ ceeO³eceeW mes heérefce³ece kesÀ Yegieleeve keÀer megefJeOee nw leeefkeÀ ieénkeÀ keÀes osMe ceW efkeÀmeer Yeer mece³e Deewj keÀneR Yeer heérefce³ece keÀe
Yegieleeve keÀjves ceW meceLe& yevee³ee pee mekesÀ~ JewkeÀequhekeÀ ceeO³eceeW ceW Meeefceue nQ - keÀ) yeQkeÀ keÀes mLee³eer DevegosMe, Ke) ¬esÀef[ì/ [sefyeì keÀe[&, ie) vesì yeQeEkeÀie
megefJeOee, Ie) DeeF&SceheerSme, *) heéefOeke=Àle mebieńCe kesÀvêeW hej DeeieblegkeÀ ieénkeÀeW Üeje vekeÀoer ceW DeLeJee ®eskeÀ mes Yegieleeve~
heérefce³eceeW keÀe Yegieleeve kesÀJeue ®eeuet hee@efueefme³eeW kesÀ efueS JewkeÀequhekeÀ ceeO³eceeW mes efkeÀ³ee pee mekeÀlee nw pees Jesleve ye®ele ³eespevee (Sme Sme Sme) kesÀ Debleie&le
veneR nQ~ Je<e& 2017-18 kesÀ efueS kegÀue heefjJeleea heérefce³ece uesve osve kesÀ 52.34… keÀe mebieńCe JewkeÀequhekeÀ ceeO³eceeW Üeje efkeÀ³ee ie³ee~ heérefce³ece kesÀ mebieńCe kesÀ efueS
efJeefYeVe JewkeÀequhekeÀ ceeO³ece efvecveevegmeej nQ :
De. Dee@HeÀueeF&ve Yegieleeve ceeO³eceë
1. vesMeveue Dee@ìescesìs[ eqkeÌue³eeEjie neGme (SveSmeerS®e) - 8 veJebyej, 2016 mes SueDeeF&meer ceW hesMe keÀer ieF& ³en megefJeOee yeQkeÀ keÀes
mLee³eer efveoxMeeW kesÀ ceeO³ece mes keÀesj yeQeEkeÀie kesÀ SveheermeerDeeF& ceb®e hej mebhetCe& Yeejle ceW GheueyOe nw~ SveSmeerS®e kesÀ ceeO³ece mes, ³etefuehe
Deewj mJeemL³e yeercee (S®eDeeF&) hee@efuemeer³eeW kesÀ heérefce³ece mebieńCe Yeer efkeÀ³ee pee mekeÀlee nw Deewj meYeer DeeJe=efÊe³eeW kesÀ efueS Yeer (Yegieleeve
efJeOeer) efkeÀ³ee pee mekeÀlee nw~
2. F ueskeÌìê@efvekeÀ efyeue he´mlegefle Deewj Yegieleeve (F&yeerheerheer): keÀe@jheesjsMeve yeQkeÀ, S®e[erSHeÀmeer yeQkeÀ, DeeF&meerDeeF&meerDeeF& yeQkeÀ,
HesÀ[jue yeQkeÀ, SeqkeÌmeme yeQkeÀ, efyeue [smkeÀ Deewj ìskeÀ heésmesme keÀer JesyemeeFìeW hej hebpeerkeÀjCe kesÀ ceeO³ece mes heérefce³ece keÀe Yegieleeve efkeÀ³ee
pee mekeÀlee nw pees hetjs osMe ceW ueieYeie meYeer yeQkeÀeW keÀes keÀJej keÀjlee nw~
SìerSce - yeQkeÀ SìerSce kesÀ ceeO³ece mes Yeer heérefce³ece mebie=efnle keÀj mekeÀles nQ~ Fme mece³e keÀe@jheesjsMeve yeQkeÀ Deewj DeeF&meerDeeF&meerDeeF&
3.
yeQkeÀ ves Fme megefJeOee keÀes me#ece efkeÀ³ee nw~
20
20
ceeefmekeÀ He×efle Deewj Jesleve ye®ele ³eespevee kesÀ DeueeJee meYeer ®eeuet heeefuemeer³eeW kesÀ efueS heérefce³ece mebień megefJeOee (³etefuehe Deewj mJeemL³e yeercee keÀes
íesæ[keÀj) F&yeerheerheer SJeb SìerSce kesÀ ceeO³ece mes GheueyOe nw ~ F&-jmeero ieénkeÀeW kesÀ hebpeerke=Àle F&-cesue DeeF&[er hej Yespeer peeleer nw~
ye. Dee@veueeF&ve Yegieleeve ceeO³eceë
l keÀmìceme& heesì&ue hesceWì iesìJes (ef[efpeìue Yegieleeve)ë heérefce³ece keÀe Yegieleeve vesì yeQeEkeÀie megefJeOee, F&-Jewuesì Deewj [sefyeì keÀe[&me
keÀer mene³elee mes SueDeeF&meer keÀer JesyemeeFì www.licindia.in hej Dee@veueeF&ve efkeÀ³ee pee mekeÀlee nw pees efve:MegukeÀ nQ ~ ¬esÀef[ì keÀe[&
mebyebOeer uesveosve kesÀ efueS MeleX ueeiet nQ~
l ³etheerDeeF&/ yeerS®eDeeF&Sce (Yeerce) mes Yegieleeve : keÀmìceme& heesì&ue hesceWì iesìJes kesÀ peeefjS heérefce³ece keÀe Yegieleeve ³etheerDeeF&/
yeerS®eDeeF&Sce (Yeerce) kesÀ Üeje efkeÀ³ee pee mekeÀlee nw pees efve:MegukeÀ nw ~
l yeQkeÀeW kesÀ ceeO³ece mes heérefce³ece keÀe mebieńCeë
l keÀe@jheesjsMeve yeQkeÀë heérefce³ece keÀe Yegieleeve keÀe@jheesjsMeve yeQkeÀ keÀer efkeÀmeer Yeer MeeKee DeLeJee efJemleej keÀeGbìj hej vekeÀoer ceW
DeLeJee keÀe@jheesjsMeve yeQkeÀ hej Deenefjle ®eskeÀeW kesÀ ceeO³ece mes efkeÀ³ee pee mekeÀlee nw~
SseqkeÌmeme yeQkeÀë heérefce³ece keÀe Yegieleeve SseqkeÌmeme yeQkeÀ keÀer efkeÀmeer Yeer MeeKee DeLeJee efJemleej keÀeGbìj hej vekeÀoer ceW DeLeJee
l
SseqkeÌmeme yeQkeÀ hej Deenefjle ®eskeÀ kesÀ ceeO³ece mes efkeÀ³ee pee mekeÀlee nw~
efmeìer ³etefve³eve yeQkeÀë heérefce³ece keÀe Yegieleeve efmeìer ³etefve³eve yeQkeÀ keÀer efkeÀmeer Yeer MeeKee DeLeJee efJemleej keÀeGbìj hej vekeÀoer
l
ceW DeLeJee efmeìer ³etefve³eve yeQkeÀ hej Deenefjle ®eskeÀ kesÀ Üeje efkeÀ³ee pee mekeÀlee nw~
³eteuf ehe Deewj mJeemL³e yeercee hee@euf eefme³eeW kesÀ efueS yeQkeÀeW keÀes keQÀMe keÀeGbìjeW kesÀ ceeO³ece mes heéer cf e³ece mebieńCe keÀe DeefOekeÀej vener efo³ee ie³ee nw~
l DeefOeke=Àle efJe¬esÀlee (He´QÀ®eeFpeer) kesÀ ceeO³ece mes heérefce³ece mebieńCeë
Devegceesefole He´QÀ®eeFpeer efvecveefueefKele nQ :
De. SheerDee@veueeF&veë DeebOe´ heósMe Deewj lesuebieevee mejkeÀej kesÀ efueS SkeÀ ef[efpeìue iesìJes~ (JesyemeeFì www.aponline.
gov.in)
SceheerDee@veueeF&veë ceO³eheósMe mejkeÀej kesÀ efueS SkeÀ ef[efpeìue iesìJes (JesyemeeFì www.MPonline.gov.in)
ye.
keÀ. megefJeOee FvHeÀesmeJe& heé. efue. : ³en efyeue Yegieleeve kesÀ efueS mebhetCe& Yeejle keÀe mebień kesÀvê nQ ~ efveëMegukeÀ (ìesueHe´Àer)
nsuheueeFve vebyejë 9223225225~
[. meerSmemeer F&-ieJeveZme mee|Jeme Fbef[³ee efueefceìs[ kesÀ ceeO³ece mes meerSmemeer meWìjë

meeceev³e mesJee kesÀvê (meerSmemeer) ³eespevee jeäêr³e F&-ieJeveZme ³eespevee (SveF&peerheer) keÀe SkeÀ Yeeie nw~ meejs osMe ceW 1.25
ueeKe mes Yeer DeefOekeÀ meerSmemeer nQ efpeveceW mes ueieYeie 60631 keÀes SueDeeF&meer kesÀ heérefce³ece mebieńCe kesÀ efueS meef¬eÀ³e yevee³ee
ie³ee nw~ Dev³e mebieńCe kesÀvêeW keÀes Yeer heérefce³ece mebieńCe kesÀ efueS ¬eÀceMeë meceLe& yevee³ee pee jne nw~
l kesÀJeue vekeÀo ceW SkeÌcegMle keÀe³e&Jeener keÀer DeefOekeÀlece meercee ` 50,000 lekeÀ keÀe heérefce³ece mebieńCe efkeÀ³ee pee mekeÀlee nQ ~
l mebieńCe kesÀvêeW Üeje JewOe jmeeroW lelkeÀeue peejer keÀer peeleer nQ~
l hee@euf emeerOeejkeÀeW Üeje Fme megeJf eOee keÀe Ghe³eesie keÀjves kesÀ efueS mebieńCe kesÀvêeW keÀes keÀesF& mesJee heÝeej Deoe keÀjves keÀer DeeJeM³ekeÀlee veneR nw~
He´ÀQ ®eeFefpe³eeW kesÀ mebieńCe kesÀvêeW kesÀ ceeO³ece mes ³eteuf ehe Deewj mJeemL³e yeercee hee@euf eefme³eeW kesÀ efueS heéer cf e³ece mebieńCe keÀes DeefOekeÀej veneR efo³ee ie³ee nw~
l Jeefjÿ J³eeJemeeef³ekeÀ men³eesefie³eeW (SmeyeerS) kesÀ ceeO³ece mes heérefce³ece mebieńCeë meerefve³ej efyepevesme SmeesefmeSì keÀnueeves Jeeues
®e³eefvele efJekeÀeme DeefOekeÀeefj³eeW keÀes oesveeW vekeÀoer ceW Deewj Dee@veueeF&ve ®eskeÀ Üeje heérefce³ece keÀe mebieńCe keÀjves Deewj lelkeÀeue jmeero peejer
keÀjves kesÀ efueS heéefOeke=Àle efkeÀ³ee ie³ee nw~ heérefce³ece heejbheefjkeÀ, ³etefuehe Deewj mJeemL³e yeercee hee@efueefme³eeW kesÀ efueS Jemetue efkeÀ³ee pee mekeÀlee
nw~ Jele&ceeve ceW 3,252 mes DeefOekeÀ SmeyeerS Deewj 92 SSmeyeerS (DeekeÀeb#eer SmeyeerS) keÀes heérefce³ece keÀe mebieńCe keÀjves kesÀ efueS meceLe&
yevee³ee ie³ee nw~ GvekesÀ mebieńCe kesÀvêeW keÀes ’ueeFHeÀ hueme“ kesÀ ªhe ceW GuuesKe efkeÀ³ee ie³ee nw~
21
l meMeÊeÀ DeefYekeÀlee&DeeW kesÀ ceeO³ece mes heérefce³ece mebieńCeë mee|JeeEmeie ceW DeefOekeÀ megefJeOeeDeeW kesÀ efueS ieénkeÀeW keÀer yeæ{leer ngF& Dehes#eeDeeW kesÀ
Devegªhe efveiece ves ’heérefce³ece hee@Fbì“ keÀnueeves Jeeues Deheves mebieńCe kesÀvêeW kesÀ ceeO³ece mes heefjJeleea heérefce³ece pecee keÀjves kesÀ efueS ®e³eefvele
DeefYekeÀlee&DeeW keÀes meMeÊeÀ keÀj efo³ee nw~ Jele&ceeve ceW osMe Yej ceW ueieYeie 34,921 heéefOeke=Àle DeefYekeÀlee& nQ pees heérefce³ece (³etefuehe Deewj mJeemL³e yeercee
hee@efueefme³eeW meefnle) vekeÀoer ceW DeLeJee ®eskeÀ kesÀ Üeje Jemetue keÀj mekeÀles nQ leLee lelkeÀeue JewOe jmeero peejer keÀj mekeÀles nQ~
l mesJeeefveJe=Êe keÀce&®eeefj³eeW kesÀ ceeO³ece mes heérefce³ece mebieńCeë ®e³eefvele mesJeeefveJe=Êe SueDeeF&meer keÀce&®eeefj³eeW keÀes Yeer heérefce³ece Dee@veueeF&ve Jemetue

keÀjves Deewj lelkeÀeue jmeero peejer keÀjves kesÀ efueS heéefOeke=Àle efkeÀ³ee ie³ee nw~ Jele&ceeve ceW meejs osMe ceW 290 mes Yeer DeefOekeÀ mesJeeefveJe=Êe keÀce&®eeefj³eeW
keÀes heéefOeke=Àle efkeÀ³ee ie³ee nw pees meYeer hee@efueefme³eeW kesÀ efueS heérefce³ece keÀe mebieńCe keÀj mekeÀles nQ~
l SueDeeF&meerS (SueDeeF&meer men³eesefie³eeW) kesÀ Üeje heérefce³ece mebieńCeë SueDeeF&meerS keÀes Yeer heérefce³ece keÀe Dee@veueeF&ve mebieńCe keÀjves kesÀ efueS

Deewj lelkeÀeue jmeero peejer keÀjves kesÀ efueS heéefOeke=Àle efkeÀ³ee ie³ee nw~ Jele&ceeve ceW osMe Yej ceW 52 mes Yeer DeefOekeÀ SueDeeF&meerS keÀes heéefOeke=Àle efkeÀ³ee
ie³ee nw pees meYeer hee@efueefme³eeW kesÀ efueS heérefce³ece keÀer Jemetueer keÀj mekeÀles nQ~
l SueDeeF&meer ceesyeeFue ShueerkesÀMeve: heérefce³ece keÀe Dee@veueeF&ve Yegieleeve SueDeeF&meer ceesyeeFue ShueerkesÀMeve ’ceeF& SueDeeF&meer“ mes efkeÀ³ee pee

mekeÀlee nw~
l heerDeesSme ìe|ceveueeW kesÀ ceeO³ece mes heérefce³ece keÀe Yegieleeve: veJeerkeÀjCe heérefce³ece hee@efuemeerOeejkeÀeW Üeje ®e³eefvele MeeKeeDeeW Deewj DeefOeke=Àle
ce®e&vìdme kesÀ heérefce³ece heesF¥ì ceW mLeeefhele heerDeesSme ceMeerveeW Üeje kesÀJeue [sefyeì keÀe[& keÀe Ghe³eesie keÀjkesÀ Yegieleeve efkeÀ³ee pee mekeÀlee nw~
l Dee@veueeF&ve $eÝCe hegve&Yegieleeve Deewj $eÝCe y³eepe keÀe Yegieleeve : ³en megefJeOee efmelebyej, 2017 mes SueDeeF&meer JesyemeeF&ì www.licindia.in,

’ieénkeÀ heesì&ue“ SJeb ’ceeF& Sue DeeF& meer“ Sshe kesÀ ceeO³ece mes me#ece efkeÀ³ee ie³ee nQ ~
ieénkeÀ efMekeÀe³ele efveJeejCe :

efveiece ves ieénkeÀes keÀer efMekeÀe³ele efveJeejCe nsleg MeeKee/ ceC[ue/ #es$eer³e/ kesÀvêer³e keÀe³ee&ue³eeW ceW efMekeÀe³ele efveJeejCe DeefOekeÀejer jKee nw ~ GvekesÀ veece Deewj
GvekeÀer GheueyOelee kesÀ mece³e keÀes J³eehekeÀ heefj®eeueve Jeeues mecee®eej he$eeW ceW mece³e mece³e hej he´keÀeefMele efkeÀ³ee peelee nw Deewj ³en Deheves JesyemeeF&ì hej Yeer
GheueyOe nw ~ ieénkeÀ mebyebOe Deewj ieénkeÀ mesJee keÀer YeeJevee keÀes nceejs efMekeÀe³ele efveJeejCe heĆeueer ceW Deblee|veefnle efkeÀ³ee ie³ee nw Deewj meYeer cenÊJe kesÀ mLeeveeW hej
ieénkeÀ GvcegKe keÀe|ce³eeW keÀes lewveele keÀjves hej peesj efo³ee ie³ee nw ~ ceeveJeer³e nmle#eshe Deewj efMekeÀe³eleeW keÀes keÀce keÀjves kesÀ efueS kesÀ DeeF&ìer mecee|Lele meheesì&
efmemìce keÀes heefj®eeefuele efkeÀ³ee ie³ee nw ~
efMekeÀe³eleeW kesÀ efveJeejCe kesÀ efueS hee@efuemeerOeejkeÀ / oeJeekeÀlee& yeercee ueeskeÀheeue mes mebheke&À keÀj mekeÀles nQ ~ ueeskeÀheeue efveOee&efjle YeewieesefuekeÀ #es$eeefOekeÀej kesÀ
DeOeerve keÀe³e& keÀjles nQ Deewj oeJes kesÀ DeebefMekeÀ / mebhetCe& DemJeerke=Àefle, oeJes kesÀ efveheìeve ceW efyeuebye, peneb lekeÀ oeJes mes mebyebefOele Ssmes efJeJeeo ceW keÀevetveer mebj®evee ceW
efkeÀmeer efJeJeeo, hee@efuemeer keÀer MeleeX kesÀ Devegmeej os³e heérefce³ece mes mebyebefOele efJeJeeo Deewj yeercee omleeJespeeW keÀes ve peejer keÀjves mes mebyebefOele efJeJeeoeW hej efJe®eej keÀj
mekeÀles nQ ~ ueeskeÀheeue keÀe³ee&ue³e Denceoeyeeo, yeWieueg©, Yeesheeue, YegJeveséej, ®eb[erie{, ®esVeF&, efouueer, iegJeneìer, nwojeyeeo, pe³ehegj, keÀes®eer, keÀesuekeÀelee,
ueKeveT, cegcyeF&, veesS[e, heìvee Deewj hegCes ces eqmLele nw ~
ieénkeÀeW keÀer efMekeÀe³eleeW kesÀ lJeefjle efveJeejCe keÀes megefveeq½ele keÀjves kesÀ efueS efveiece kesÀ heeme ieénkeÀevegketÀue Dee@veueeF&ve heĆeeueer - `SkeÀerke=Àle efMekeÀe³ele heýebOe
heĆeeueer' (DeeF&meerSceSme) `SueDeeF&meer keÀer F&-mesJeeDeeW' kesÀ ceeO³ece mes nceejer JesyemeeF&ì www.licindia.in hej GheueyOe nw, peneB hebpeerke=Àle hee@efuemeerOeejkeÀ
meerOes efMekeÀe³ele keÀe hebpeerkeÀjCe keÀj mekeÀlee nw leLee GmekeÀer eqmLeefle keÀe helee ueiee mekeÀlee nw~ ieénkeÀ efkeÀmeer Yeer efMekeÀe³ele kesÀ efveJeejCe kesÀ efueS F&-cesue
DeeF&[er co_crmgrv@licindia.com hej Yeer mebheke&À keÀj mekeÀlee nw~
ieénkeÀ #es$e (keÀmìcej peesvme):

DeefKeue Yeejleer³e ªhe mes kegÀue 73 ieénkeÀ #es$e keÀece keÀj jns nQ pees ieénkeÀeW keÀer meYeer mesJee pe©jleeW kesÀ meceeOeeve kesÀ efueS “Jeve mìe@He mesbìj” kesÀ ªhe ceW
keÀece keÀjles nQ pees “iegCeJeÊee DevegYeJe” hej efJeMes<e peesj osles nQ ~
Jeee|<ekeÀer Yegieleeve :

Jeee|<ekeÀer hee@efuemeer mes Je=×eJemLee ceW megjef#ele Deewj ieejbìerke=Àle efjìve&me keÀe GÎsM³e hetje neslee nQ~ nceejs heeme 29.62 ueeKe mes DeefOekeÀ hee@efueefme³eeb nQ efpeveceW
Jeee|<ekeÀer keÀe Yegieleeve efkeÀ³ee peelee nw ~ Fve Jeee|<ekeÀer hee@efueefme³eeW keÀer mee|JeeEmeie keÀe O³eeve jKeves kesÀ efueS 8 #es$eer³e keÀe³ee&ue³eeW Deewj 3 ceC[ue keÀe³ee&ue³eeW
(Denceoeyeeo, yeWieueg© Deewj keÀesuekeÀelee) ceW J³eefÊeÀiele heWMeve hueeve (DeeF&heerheer) mesue mLeeefhele efkeÀS ie³es nw ~ Jeee|<ekeÀer keÀe Yegieleeve vesHeÌì / F&meerSme Üeje
meerOes Jeee|<ekeÀer heéhle keÀjves JeeueeW kesÀ yeQkeÀ Keeles ceW efkeÀ³ee peelee nw ~
22
22
SveF&SHeÀìer (vesHeÌì) kesÀ ceeO³ece mes hee@efuemeer Yegieleeve :

2017-18 kesÀ oewjeve SueDeeF&meer ves ` 1,04,825.42 keÀjes[ keÀer jeefMe kesÀ efueS vesHeÌì (vesMeveue FueskeÌìê@efvekeÀ HebÀ[ ìêbmeHeÀj) Üeje 3.58 keÀjesæ[ hee@efuemeer
Yegieleeve keÀe efveheìeve efkeÀ³ee nw, pees kegÀue Yegieleeve keÀe 93.71… nw ~
veF& henue:
- ieénkeÀ heesì&ue keÀe veJeerveerkeÀjCe
- Dee@veueeF&ve hegve®e&ueve
- Dee@veueeF&ve $eÝCe DevegjesOe
- Dee@veueeF&ve $eÝCe / $eÝCe y³eepe hegve&Yegieleeve
-DeeOeej hećeeCeerkeÀjCe (peneB keÀner ieénkeÀ Üeje heóeve efkeÀ³ee nes)
SueDeeF&meer nsuhe (efkeÀmeer Yeer mece³e keÀner Yeer mesJee):

SueDeeF&meer nsuhe kesÀ Fme keÀoce ves neue kesÀ mece³e ceW ueeskeÀefhe´³elee heéhle keÀer nw ~ hee@efuemeer OeejkeÀeW keÀes ’9222492224“ hej ’LICHELP <policy no>
keÀjkesÀ SmeSceSme Yespevee nw ~ hee@efuemeerOeejkeÀ keÀes meboYe& mebK³ee kesÀ meeLe jmeero SmeSceSme heéhle nesieer Deewj ieénkeÀ #es$e keÀce&®eejer efMekeÀe³ele / he´Mve kesÀ
efveJeejCe efueS ieénkeÀ mes mebheke&À keÀjWies ~ efMekeÀe³ele meceeOeeve kesÀ he´l³eskeÀ mlej hej hee@efuemeer OeejkeÀ keÀes SmeSceSme / F&-cesue Üeje DeÐeleve peevekeÀejer oer
peeSieer ~ efJeÊe Je<e& 2017-18 kesÀ efueS 3,60,987 SmeSceSme heéhle ngS nQ Deewj Gve ÒeMveesb Hej legjble keÀe³e&Jeener efkeÀ ieF&~
ceesyeeF&ue Sshe:

SueDeeF&meer ves leerve ceesyeeFue Sshe uee@v®e efkeÀ³es ’SueDeeF&meer keÀmìcej“, ’eqkeÌJekeÀ keÀesìdme“ Deewj ’hes [e³ejskeÌì“ pees kebÀìsvej Sshe “ceeF& Sue DeeF& meer” ceW
GheueyOe nQ~ Deye lekeÀ Fme Sshe kesÀ 85 ueeKe mes DeefOekeÀ [eTveuees[dme ngS nQ, efpevekeÀe jseEìie heeB®e kesÀ heefjceehe hej ®eej nQ ~
Fve Sshme ceW GheueyOe efJeJejCe efvecveevegmeej nQ :
1) SueDeeF&meer keÀmìcej: ³en Sshe heérefce³ece kewÀuekegÀuesìj kesÀ DeueeJee nceejs GlheeoeW kesÀ efJeJejCe, [e@keÌìjes kesÀ efJeJejCe, keÀe³ee&ue³e ueeskesÀìj meeLe
ner meeLe veJeerkeÀjCe heérefce³ece, $eÝCe hegve&Yegieleeve Deewj $eÝCe y³eepe Yegieleeve keÀjves keÀe efJekeÀuhe Yeer efo³ee ie³ee nQ~ DeeJeM³ekeÀ omleeJespe Deheuees[
keÀjkesÀ SueDeeF&meer keÀer F&-mesJeeDeeW kesÀ efueS hebpeerkeÀjCe keÀjves keÀe Yeer efJekeÀuhe nw~ FmekesÀ DeueeJee hebpeerke=Àle heesì&ue Ghe³eesiekeÀlee& SueDeeF&meer keÀer
F&-mesJeeDeeW ceW GheueyOe meYeer efJekeÀuheeW keÀes osKe mekeÀles nQ~
2) eqkeÌJekeÀ keÀesìdme : ³en Sshe ueeYe mheäerkeÀjCe kesÀ meeLe heérefce³ece G×jCe GlheVe keÀjlee nw~
3) hes [e³ejskeÌì: Fme Sshe ceW ieénkeÀ heesì&ue hej hebpeerkeÀjCe efkeÀ³es efyevee veJeerkeÀjCe heérefce³ece Yegieleeve, $eÝCe hegve&Yegieleeve Deewj $eÝCe y³eepe keÀe Yegieleeve
keÀjves keÀe efJekeÀuhe nQ~
³en Sshme oesveeW Sb[ê@F[ SJeb DeeF&DeesSme ceesyeeFue Dee@hejseEìie efmemìce hej keÀece keÀjles nQ Deewj mebyebefOele Sshe mìesj mes [eTveuees[ efkeÀ³ee pee mekeÀlee nw~
(14) efveieefcele mebhe´s<eCe :

Je<e& 2017-18 ceW nceeje he´³eeme Ssmeer efJeefYeVe he´®eej ieefleefJeefOe³eeb DeejbYe keÀjves keÀe jne, pees SueDeeF&meer keÀer yeéC[ íefJe keÀes yeæ{eJee oW Deewj nceejs Glheeo
he´®eej Deewj efJeheCeve he´³eemeeW kesÀ DeebleefjkeÀ cetu³e keÀe JeOe&ve keÀjW ~ nceeje kesÀvê efyevog cegK³ele: Deheveer yeéC[ ¢M³elee Deewj DeefKeue Yeejle ceW nceejer GheeqmLeefle
keÀes yeæ{eJee osves hej jne ~
nerjkeÀ pe³ebleer Je<e& GlmeJe kesÀ Debeflece ®ejCe ceW, SueDeeF&meer kesÀ Je<e&ieebþ meceejesn kesÀ SkeÀ Yeeie kesÀ ªhe ceW Yeejle Yej ceW 75 YeJ³e keÀe³e&¬eÀce Dee³eesefpele efkeÀS
ieS ~ FmekesÀ DeueeJee, nerjkeÀ pe³ebleer Je<e& ceW 78 ieebJeeW Deewj 1391 mketÀueeW keÀes DeHevee³ee efue³ee ie³ee ~
125 mes Yeer DeefOekeÀ heef$ekeÀeDeeW / he´keÀeMeveeW ceW nceejer GheeqmLeefle yeveer jner Deewj Dev³e efJeYeeieeW mes mebyebefOele efveefJeoeDeeW Deewj efJe%eeheveeW kesÀ efueS ®eueeS ieS
35 efJe%eeheve DeefYe³eeveeW kesÀ DeueeJee nceves mecee®eej he$eeW ceW 36 DeefYe³eeve ®eueeS ~ Fme Je<e& 8 ve³es GlheeoeW kesÀ efueS vetleve ³eespevee MegYeejbYe keÀe³e&¬eÀce SJeb
efJe%eeheve DeefYe³eeve Dee³eesefpele efkeÀS ieS Deewj meeLe ner ³eespeveeDeeW kesÀ MegYeejbYe kesÀ efove ner hećegKe DeKeyeejeW ceW he´sme efJe%eeqhle³eeb peejer keÀer ieF¥ ~
23
Je<e& Yej jeäêr³e Deewj heéosefMekeÀ v³etpe ®ewveueeW, jeäêr³e Deewj heéosefMekeÀ meeceev³e ceveesjbpeve ®ewveueeW, mheesìdme& ®ewveueeW, FvHeÀesìsveceWì ®ewveueeW Deewj otjoMe&ve
hej nceejer yeéC[ GheeqmLeefle oMe&veer³e jner ~ nceves hećegKe Debleje&äêr³e Deewj jeäêr³e Kesue ceneslmeJeeW, heéfle³eesefieleeDeeW keÀes heé³eesefpele efkeÀ³ee, efpeveceW oMe&keÀeW
keÀer mebK³ee keÀeHeÀer yeæ[er Leer ~ nceves meerSveyeermeer ìerJeer 18 kesÀ men³eesie mes `Yeejle Deee|LekeÀ efMeKej meccesueve', meerSveSve v³etpe 18 kesÀ men³eesie mes ’Fbef[³eve
Dee@HeÀ o F³ej', Deepe lekeÀ kesÀ men³eesie mes `meeefnl³e Deepe lekeÀ’ Deeefo pewmes cenlJehetCe& keÀe³e&¬eÀceeW keÀes heé³eesefpele efkeÀ³ee, efpevekesÀ oMe&keÀeW keÀer mebK³ee
Del³eefOekeÀ Leer, efpememes nceW J³eehekeÀ oe³ejs ceW he´®eej keÀe ueeYe efceuee ~ nce 16 SHeÀSce ®ewveueeW kesÀ 173 mìsMeveeW leLee DeekeÀeMeJeeCeer kesÀ 172 mìsMeveeW hej
meef¬eÀ³e Les ~
mebhetCe& Yeejle ceW, mheeF&me pesì kesÀ meeLe kesÀefyeve yeukeÀns[dme kesÀ efueS efJeceeve yeéeÅC[ie efkeÀ³ee ie³ee ~ ³etSHeÀDees, keÌ³etye, kesÀ-mesje mesje, HeerJeerDeej,
DeeF&vee@keÌme Deewj efmeveerheesueerme kesÀ ceeO³ece mes osMe Yej ceW 8000 mes DeefOekeÀ m¬eÀerveeW kesÀ efueS efmevescee m¬eÀerve yeéeÅC[ie efkeÀ³ee ie³ee ~ efMe#ee, KesueketÀo, meeefnl³e
Deewj mebieerle, meebmke=ÀeflekeÀ keÀe³e&¬eÀce, yeercee efMeKej meccesueve, hegjmkeÀej Deewj meccesueve pewmeer efJeefYeVe ÞesefCe³eeW ceW 100 mes DeefOekeÀ ieéTb[ keÀe³e&¬eÀce heé³eesefpele
efkeÀS ieS ~
nceejer pevemebheke&À ieefleefJeefOe³eeb nceejs he´®eej mebyebOeer he´³eemeeW keÀer hetjkeÀ jneR ~ he´sme efJe%eeqhle³eeW kesÀ he´keÀeMeve leLee he´sme meccesueveeW kesÀ keÀejCe nce efvejblej ªhe
mes mege|Ke³eeW ceW yeves jns ~ Je<e& kesÀ oewjeve 5 he´sme meccesueve Dee³eesefpele efkeÀS ieS, efpeveceW he$ekeÀejeW kesÀ meeLe nceejs heejmheefjkeÀ heÝeeJe ves nceW De®íe ceeref[³ee
SkeÌmeheespej heóeve efkeÀ³ee ~
efJeMes<e henueW keÀer ieF¥, pewmes efkeÀ 8,986 mketÀueeW ceW `mìt[bì Dee@HeÀ o F³ej' keÀe Dee³eespeve efkeÀ³ee ie³ee, keÀe@uespe keQÀcheme ieefleefJeefOe kesÀ Debleie&le 2847 keÀe@uespeeW
keÀes meceeefJeä efkeÀ³ee ie³ee, 17,106 efoveeW kesÀ efueS ceesyeeF&ue Jewve ieefleefJeefOe³eeb Dee³eesefpele keÀer ieF¥ ~ Je<e& kesÀ oewjeve nceves `mJe®í Yeejle mJemLe Yeejle'
DeefYe³eeve kesÀ jeä^J³eeheer Deeboesueve keÀes Yeer peejer jKee, efpemeceW 11,555 GÐeeveeW / meæ[keÀeW / keÀe³ee&ue³eeW keÀer meHeÀeF& kesÀ keÀe³e&keÀueehe mebheVe efkeÀS ieS leLee
10,304 ef®eefkeÀlmee efMeefJej Yeer meb®eeefuele efkeÀS ieS ~
nceejs Glheeo, ieénkeÀ mesJee Deewj SkeÀ kewÀefj³ej kesÀ ªhe ceW Spesvmeer hej 8 hećegKe ef[efpeìue efJe%eeheve DeefYe³eeveeW kesÀ ceeO³ece mes ef[efpeìue efJe%eeheve GheeqmLeefle
mLeeefhele keÀer ieF& ~ ³eent, SceSmeSve, ìeFcme Dee@HeÀ Fbef[³ee, ceveerkebÀìêsue, FkeÀesvee@efcekeÀ ìeFcme, Fbef[³eve SkeÌmhe´sme, v³etpe 18, Sve[erìerJeer, efnvogmleeve
ìeFcme, peeiejCe, YeemkeÀj, efmeHeÀer, HeÀeF&veeeqvMe³eue SkeÌmehe´sme, HeÀmì&heesmì, HesÀmeyegkeÀ, iegieue JeeF&HeÀeF&, yuetceyeie& eÅkeÌJeì Deewj meesveer efueJe pewmeer hećegKe
JesyemeeF&ìeW hej efJe%eeheve GheeqmLeefle heéhle keÀer ieF& ~ SueDeeF&meer Deheves ieénkeÀeW Deewj pevemeeOeejCe lekeÀ hengb®eves kesÀ efueS Deheves meesMeue ceeref[³ee `SueDeeF&meer
Fbef[³ee HeÀe@jSJnj' kesÀ ceeO³ece mes Yeer he´³eeme keÀjlee nw ~ HesÀmeyegkeÀ hej he´MebmekeÀeW keÀer mebK³ee (He@Àve keÀeTbì) 6.5 efceefue³eve mes Yeer DeefOekeÀ nw ~ nceejs eqìdJeìj
nQef[ue ceW 35,000 mes Yeer DeefOekeÀ Deveg³ee³eer nQ leLee nceejs ³et ìîetye ®ewveue ceW 9,500 mes Yeer DeefOekeÀ DeefYeoelee nQ ~
Je<e& kesÀ oewjeve SueDeeF&meer ves 27 heéfleeqÿle hegjmkeÀej peerles nQ ~ nceejs peerles ngS efJeefYeVe GuuesKeveer³e hegjmkeÀejeW ceW ceveer ìg[s HeÀeF&veseqvMe³eue De@Jee@[&, o
ieesu[ve efhekeÀe@keÀ De@Jee@[& HeÀe@j SkeÌmesuevme Fve keÀe@heexjsì ieJnve&vme, ieesu[ve efhekeÀe@keÀ De@Jee@[& HeÀe@j vewMeveue ì^seEveie 2018, [ve Deewj ye´@[mìêrì Fbef[³eeped
ìe@he heerSme³et De@Jee@[& leLee yesmì Fbef[³eve yeéC[dme 2017 keÀe meceeJesMe nw ~
15 met®evee DeefOekeÀej DeefOeefve³ece, 2005 :
Yeejleer³e peerJeve yeercee efveiece ceW met®evee keÀe DeefOekeÀej nsleg he´MeemeefvekeÀ mebj®evee 2017-18
(De) kesÀvêer³e ueeskeÀ met®evee DeefOekeÀejer
kesÀvêer³e keÀe³ee&ue³e hećegKe (met®evee ÒeewÐeesefiekeÀer )
#es$eer³e keÀe³ee&ue³e mebyeeqvOele #es$e kesÀ meef®eJe (ûeenkeÀ mebyebOe ÒeyebOeve )
ceC[ue keÀe³ee&ue³e mebyeeqvOele ceC[ue kesÀ heýebOekeÀ (ûeenkeÀ mebyebOe ÒeyebOeve )
#es$eer³e heéfMe#eCe kesÀvê mebyeeqvOele #es$eer³e heéfMe#eCe kesÀvê kesÀ heýebOekeÀ (he´Meemeve)
(ye) JewkeÀequhekeÀ kesÀvêer³e ueeskeÀ met®evee DeefOekeÀejer
keWÀêer³e keÀe³ee&ue³e 1. hećegKe (Sme yeer ³et- DeeF& Dees )
2. hećegKe (efvejer#eCe)
#es$eer³e keÀe³ee&ue³e 1. mebyeeqvOele #es$e kesÀ heéosefMekeÀ heýebOekeÀ (efJeefOe)
2. mebyeeqvOele #es$e kesÀ meef®eJe (keÀee|cekeÀ SJeb DeewOeesefiekeÀ mebyebOe)
ceC[ue keÀe³ee&ue³e 1. mebyeeqvOele ceC[ue kesÀ heýebOekeÀ (efJeefOe)
2. mebyeeqvOele ceC[ue kesÀ heýebOekeÀ (keÀee|cekeÀ SJeb DeewOeesefiekeÀ mebyebOe)
24
24
(me) Deheerueer³e heéefOekeÀejer

keWÀêer³e keÀe³ee&ue³e keÀe³e&keÀejer efveosMekeÀ (met®evee ÒeewÐeesefiekeÀer )
#es$eer³e keÀe³ee&ue³e mebyeeqvOele #es$e kesÀ heéosefMekeÀ heýebOekeÀ (ûeenkeÀ mebyebOe ÒeyebOeve )
ceC[ue keÀe³ee&ue³e mebyeeqvOele ceC[ue kesÀ efJeheCeve heýebOekeÀ, ³eefo kesÀvêer³e ueeskeÀ met®evee DeefOekeÀejer ceC[ue
heýebOekeÀ nw lees Jeefjÿ ceC[ue heýebOekeÀ (Fb®eepe&)
#es$eer³e heéfMe#eCe kesÀvê mebyeeqvOele #es$eer³e heéfMe#eCe kesÀvê kesÀ efveosMekeÀ
(o) JewkeÀequhekeÀ Deheerueer³e heéefOekeÀejer
keWÀêer³e keÀe³ee&ue³e 1. keÀe³e&keÀejer efveosMekeÀ (ceeveJe mebmeeOeve efJekeÀeme/mebieþve efJekeÀeme )
2. keÀe³e&keÀejer efveosMekeÀ (efvejer#eCe)
#es$eer³e keÀe³ee&ue³e 1. mebyeeqvOele #es$e kesÀ heéosefMekeÀ heýebOekeÀ (keÀee|cekeÀ SJeb DeewOeesefiekeÀ mebyebOe)
2. mebyeeqvOele #es$e kesÀ heéosefMekeÀ heýebOekeÀ (mebheoe SJeb keÀe³ee&ue³e mesJee)
(³e) kesÀvêer³e mene³ekeÀ ueeskeÀ met®evee DeefOekeÀejer: mebyeeqvOele MeeKee kesÀ ®eerHeÀ cewvespej /Jeefjÿ MeeKee heýebOekeÀ / MeeKee heýebOekeÀ (heÝeejer),mewìsueeFì
keÀe³ee&ue³e ,heer. SJeb. peer. Sme. FkeÀeF& SJeb DebkesÀ#eCe kesÀvêeW kesÀ heÝeejer, Fve DeefOekeÀeefj³eeW kesÀ veneR nesves keÀer oMee ces Deieues Jeefjÿ DeefOekeÀejer
kegÀue kesÀvêer³e ueeskeÀ met®evee DeefOekeÀeefj³eeW keÀer mebK³ee - 130
kegÀue Deheerueer³e heéefOekeÀeefj³ees keÀer mebK³ee - 130
kegÀue kesÀvêer³e mene³ekeÀ ueeskeÀ met®evee DeefOekeÀeefj³eeW keÀer mebK³ee – - 3,552
efveiece keÀe Je<e& 2017-18 ceW DevegYeJe
Je<e& 2017-18 ces efveiece keÀes 12,937 DeeJesove, 2,242 DeheerueW SJeb 292 meer. DeeF&. meer. megveJeeF& kesÀ veesefìme heéhle ngS ~
DeeJesove: GÊej ceO³e #es$e ces meJee&efOekeÀ 2,869 lelhe½eele GÊej #es$e ces 2,521 SJeb kesÀvêer³e keÀe³ee&ue³e ces 1715 DeeJesove heéhle ngS ~
Deheerue : GÊej ceO³e #es$e ces meJee&efOekeÀ 481 lelhe½eele GÊej #es$e ces 414 SJeb hetJe& ceO³e #es$e ces 300 Deheerue heéhle ng³eer
meer DeeF& meer megveJeeF&: : ceO³e #es$e ces meJee&efOekeÀ 70 lelhe½eele keWÀêer³e keÀe³ee&ue³e ces 54 SJeb GÊej #es$e ceW 49 megveJeeF& ng³eer ~
oC[ SJeb #eeflehete|le: Je<e& 2017-18 ces kesÀvêer³e met®evee Dee³eesie ves efveiece hej keÀesF& Yeer hesveuìer SJeb #eeflehete|le veneR ueiee³eer~
D eej ìer DeeF& Dee@veueeF&ve cees[³etue – Yeejleer³e peerJeve yeercee efveiece kesÀ meYeer keÀe³ee&ue³eeW ceW heéhle DeeJesoveeW SJeb DeheerueeW keÀes Yeejle mejkeÀej Üeje meb®eeefuele Deej ìer
DeeF& Dee@veueeF&ve heesìu& e kesÀ Üeje heé¬f eÀ³eeiele efkeÀ³ee peelee nw SJeb FmekesÀ efueS www.licindia.in>RTI centre>RTI online eEuekeÀ efo³ee ie³ee nw ~
met®evee kesÀ DeefOekeÀej mebyebOeer meebeqK³ekeÀer
2009-10 2010-11 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18
DeeJesove 6,897 9,553 12,350 13,536 14,665 15,047 16,424 14,358 12,937
Deheerue 1,473 1,919 2,242 2,425 2,474 2,281 2,784 2,479 2,242
meer DeeF& meer megveJeeF& 108 384 160 619 283 303 462 356 292
oC[eW keÀer mebK³ee 1 0 1 2 3 0 0 0 0
#eeflehete|le mebK³ee 3 5 3 6 3 0 0 0 0
Je<e& 2017-18 ceW heéhle kegÀue met®evee kesÀ DeefOekeÀej kesÀ DeeJesoveeW mes he´Lece Deheerue SJeb efoJeleer³e Deheerue keÀe heéfleMele ¬eÀceMe: 17.33 … SJeb 2.26 … jne ~
(16) keÀee|cekeÀ/keÀce&®eejer mebyebOe :
keÀ)
keÀce&®eeefj³eeW keÀer mebK³ee: 31.03.2018 keÀes efveiece ceW keÀe³e&jle DeefOekeÀeefj³eeW SJeb keÀce&®eeefj³eeW keÀer kegÀue mebK³ee 1,11,979 nw peye keÀer efheíues
efJeÊeer³e Je<e& kesÀ Deble ces ³en 1,15,394 Leer I
Ke)
keÀce&®eejer mebyebOe :efveiece SJeb efveiece kesÀ keÀce&®eeefj³eeW kesÀ ceO³e meoYeeJehetCe& SJeb meecepem³ehetCe& mebyebOe jns Deewj GÐeesie keÀer ®egveewefle³eeW keÀe cegkeÀeyeeuee
keÀjves kesÀ efueS keÀe³e&yeue kesÀ ceveesyeue keÀes yeveeS jKee ie³ee~
25
ie)
ceefnueeDeeW keÀe meMeefÊeÀkeÀjCe : efveiece ceW he´l³eskeÀ mlej hej ceefnuee DeefOekeÀeefj³eeW SJeb keÀce&®eeefj³eeW keÀe ³eesieoeve yengle cenlJehetCe& jne nw ~
31.03.2018 keÀes efJeefYeVe ÞesefCe³eeW ceW ceefnuee keÀce&®eeefj³eeW keÀer mebK³ee efvecveevegmeej nw~
ÞesCeer kegÀue ceefnueeDeeW keÀer mebK³ee
he´Lece ÞesCeer DeefOekeÀejer 32,803 7,041
efJekeÀeme DeefOekeÀejer 22,830 1,148
le=leer³e SJeb ®elegLe& ÞesCeer keÀce&®eejer 56,346 16,321
]kegÀue 1,11,979 24,510
efveiece kesÀ keÀe³e&mLeue hej ceefnueeDeeW kesÀ ueQefiekeÀ Glheeræ[ve efveJeejCe nsleg meefceefle³eeB kesÀvêer³e keÀe³ee&ue³e, #es$eer³e keÀe³ee&ue³e, SJeb ceb[ue keÀe³ee&ue³e
mlej hej me#ecelee mes keÀe³e&jle nw ~
Ie) Deej#eCe–-jeäêr³e veerefle keÀe Devegheeueve
Devegmetef®ele peeefle, Devegmetef®ele pevepeeefle SJeb Dev³e efheí[e Jeie&
1)
Yeejle mejkeÀej Üeje Devegmetef®ele peeefle / Devegmetef®ele pevepeeefle / Dev³e efheí[s JeieeX kesÀ efnle ces Deej#eCe mebyebOeer efveoxMeeW keÀe Devegheeueve
keÀjves ceW leLee efve³egefÊeÀ SJeb heoesVeefle ceW Deej#eCe nsleg heéJeOeeveeW kesÀ Devegmeej Deej#eCe GheueyOe keÀjeves ceW efveiece ncesMee he´³eemejle nw~
Deej#eCe veerefle mes mebyebefOele efJeefJeOe ceeceueeW kesÀ efJe<e³e ceW ®e®ee& keÀjves nsleg leLee Devegmetef®ele peeefle, pevepeeefle, Dev³e efheí[e Jeie&,

YetlehetJe& mewefvekeÀ SJeb MeejerefjkeÀ ªhe mes efJekeÀueebie Jeie& kesÀ keÀce&®eeefj³eeW keÀer efMekeÀe³eleeW keÀe heÝeeJeer lejerkesÀ mes efveJeejCe keÀjves nsleg efveiece
kesÀ ceb[ue, #es$eer³e leLee keWÀêer³e keÀe³ee&ue³ees ceW keÀu³eeCe he´keÀesÿ meef¬eÀ³e ©he mes keÀe³e&jle nw~ efveiece ceW Depee/Depepee/ YetlehetJe& mewefvekeÀ
SJeb MeejerefjkeÀ ©he mes efJekeÀueebie keÀce&®eeefj³eeW kesÀ efue³es SJeb Dev³e efheí[e Jeie& kesÀ keÀce&®eeefj³eeW kesÀ efue³es keWÀêer³e keÀe³ee&ue³e mlej hej
Deueie mes cegK³e mebheke&À DeefOekeÀeefj³eeW keÀer efve³egefÊeÀ keÀer ieF& nw leLee efveiece kesÀ meYeer Deeþ #es$eer³e keÀe³ee&ue³eeW ceW Depee/Depepee/ YetlehetJe&
mewefvekeÀ SJeb MeejerefjkeÀ ©he mes efJekeÀueebie keÀce&®eeefj³eeW kesÀ efue³es meYeer mebheke&À DeefOekeÀeefj³eeW keÀer GheeqmLeefle ceW Depee/Depepee keÀu³eeCe
mebIe kesÀ DeefKeue Yeejleer³e heoeefOekeÀeefj³eeW kesÀ meeLe mece³e - mece³e hej yewþkeÀ Dee³eesefpele keÀer peeleer nw efpemeceW Devegmetef®ele peeefle SJece
Devegmetef®ele pevepeeefle kesÀ keÀce&®eeefj³ees mes ceeceueeW hej ®e®ee& keÀer peeleer nw ~ kesÀvêer³e keÀe³ee&ue³e Üeje DeefKeue Yeejleer³e Dev³e efheíæ[e Jeie&
keÀu³eeCe mebIe kesÀ heoeefOekeÀeefj³eeW kesÀ meeLe Yeer mece³e-mece³e hej yewþkeÀ keÀe Dee³eespeve efkeÀ³ee peelee nw ~

keWÀêer³e keÀe³ee&ue³e Üeje Deej#eCe mes mebyebefOele keÀe³e& keÀjves Jeeues keÀce&®eeefj³eeW/DeefOekeÀeefj³eeW, meYeer mebheke&À DeefOekeÀeefj³eeW SJeb Depee/
Depepee keÀu³eeCe mebIe kesÀ heoeefOekeÀeefj³eeW keÀes Deej#eCe mebyebefOele efJe<e³e hej veJeervelece efveoxMe/peevekeÀejer osves nsleg keÀe³e&Meeuee keÀe
Dee³eespeve efkeÀ³ee nw~ Depee/Depepee kesÀ F®ígkeÀ GcceeroJeejeW kesÀ efue³es heoesVeefle SJeb Yeleea hetJe& heéfMe#eCe keÀe³e&¬eÀceeW keÀe Dee³eespeve efkeÀ³ee
pee jne nw~ heéfMe#eg efJekeÀeme DeefOekeÀejer kesÀ heo kesÀ efueS F®ígkeÀ DeeJesokeÀeW ceW mes De. pee./De. pe. pee. kesÀ GcceeroJeejeW kesÀ efue³es Yeleea
hetJe& heéfMe#eCe keÀe³e&¬eÀceeW keÀe Yeer Dee³eespeve efkeÀ³ee ie³ee~

keWÀêer³e keÀe³ee&ue³e Üeje, mebheke&À DeefOekeÀejer leLee Devegmetef®ele peeefle / Devegmetef®ele pevepeeefle keÀu³eeCe mebIeeW kesÀ heoeefOekeÀeefj³eeW keÀes
mejkeÀejer Devegceesefole heéfMe#eCe mebmLee³es, pees Ssmeer heéfMe#eCe Dee³eesefpele keÀjves kesÀ efueS efJeefMeä nQ, GvekesÀ Üeje Dee³eesefpele Deej#eCe
ceeceueeW hej heéfMe#eCe keÀe³e&¬eÀce kesÀ efueS veeceebefkeÀle efkeÀ³ee pee jne nw~
MeejerefjkeÀ ©he mes efJekeÀueebieeW kesÀ efueS:
2)

Yeejle mejkeÀej Fme efJe<e³e ceW peejer efveoxMeeW kesÀ Devegheeueve SJeb efJekeÀueebie J³eefÊeÀ³eeW kesÀ hegve:mLeeheve ceW men³eesie kesÀ ¢eqäkeÀesCe kesÀ meeLe
efveiece ves efJekeÀueebie J³eefÊeÀ³eeW keÀer efve³egefÊeÀ kesÀ efue³es heoeW keÀer hen®eeve keÀer nw~ ÞesCeer I, III SJeb IV ceW hen®eeve efkeÀ³es ie³es heoeW mes mebyebefOele
efjefÊeÀ³eeW ces kegÀue 3… Deej#eCe keÀe heéJeOeeve nw~ DeefYeuesKe efueefhekeÀ leLee G®®e ÞesCeer mene³ekeÀ heoeW kesÀ efue³es heoesVeefle ceW Deej#eCe
keÀe heéJeOeeve nw~ MeejerefjkeÀ ªhe mes efJekeÀueebie SJeb ves$enerve leLee cetkeÀ SJeb yeefOej keÀce&®eeefj³eeW kesÀ efueS Jeenve Je=efÊe keÀe Yegieleeve Yeejle
mejkeÀej Üeje efkeÀS ieS heéfJeOeeveeW kesÀ Devegmeej efkeÀ³ee pee jne nw~
3) YetlehetJe& mewefvekeÀ -
Yeejle mejkeÀej kesÀ efveoxMeevegmeej efveiece ceW YetlehetJe& mewefvekeÀeW keÀer efve³egefÊeÀ kesÀ efue³es heéJeOeeve nw~
26
26
([) DeefYekeÀlee&DeeW keÀes DeeJeemeer³e $eÝCe (keÌueye meom³e):

efveiece kesÀ DeefYekeÀlee&DeeW keÀes DeeJeemeer³e $eÝCe ³eespevee kesÀ Devleie&le kegÀue jeefMe ` 47.73 keÀjes[ 31.03.2018 lekeÀ mJeerke=Àle efkeÀS ieS nw ~ efveiece
kesÀ keÀce&®eeefj³eeW kesÀ efJeefJeOe DeeJeemeer³e $eÝCe ³eespevee³esB peerJeve yeercee efveiece neGeEmeie HeÀeFvesme efueefceìs[ keÀes mLeeveebleefjle efkeÀ³es pee ®egkesÀ nw~
(®e) keÀe³ee&ue³e mesJee :
99… mes DeefOekeÀ keÀce&®eeefj³eeW, hesvMevejeW Deewj efJe¬esÀleeDeeW mes mecyebefOele meYeer Yegieleeve FueskeÌìê@efvekeÀ ceeO³ece mes efkeÀ³es ie³es~
cee@[ue MeeKee DeefYe³eeve kesÀ ªhe ceW SkeÀ veF& henue Je<e& 2017-18 ceW peejer keÀer ieF& nw~ heéfleef¬eÀ³ee peyejomle Leer Deewj MeeKeeDeeW ves hetjs efoue mes
DeefYe³eeve ceW Yeeie efue³ee~
Fve-neTme HeefjJesMe heesì&ue kesÀ ceeO³ece mes nj keÀe³ee&ue³e keÀer ieefleefJeefOe³eeW keÀer efveiejeveer keÀer pee jner nw~ HeefjJesMe celeoeve efleceener DeeOeej hej
Dee³eesefpele efkeÀ³ee peelee nw~ Yeeieeroejer heéfleMele ves Je<e& 2017-18 ceW yeæ{leer he´Je=efÊe efoKeeF&~
nceejs mecemle keÀe³ee&ue³eeW Üeje kegÀue 1,05,962 heewOeejesheCe efkeÀ³ee ie³ee ~
(í) KesueketÀo :
DeefKeue Yeejleer³e peerJeve yeercee efveiece Kesue 2017-18 :
efveiece kesÀ meyemes yeæ[s Jeee|<ekeÀ Kesue ceneslmeJe `DeefKeue Yeejleer³e peerJeve yeercee efveiece Kesue 2017-18' keÀe Dee³eespeve YegJeveséej ceW efoveebkeÀ 9 mes
12 veJecyej, 2017 kesÀ oewjeve meHeÀueleehetJe&keÀ efkeÀ³ee ie³ee ~ hegª<eeW keÀer J³eefÊeÀiele SLeuesefìkeÌme heéfle³eesefielee 110 ceerìme& n[&ume ceW Þeer S.³eesiesMe
(oef#eCe #es$e) Üeje SveSceDeej - 53.1 meskeWÀ[ keÀe ve³ee keÀere|leceeve mLeeefhele efkeÀ³ee ie³ee (ieebOeerveiej ceW Dee³eesefpele SueDeeF&meer SLeuesefìkeÌme
ceerì, 2000 ceW mLeeefhele 53.2 meskeWÀ[ keÀe hetJe& keÀere|leceeve, Þeer DeefYe<eskeÀ heeC[s³e (GÊej-ceO³e #es$e) kesÀ veece 18 Je<eeX kesÀ efueS mLee³eer jne)~
DeefKeue Yeejleer³e meeJe&peefvekeÀ #es$e Kesue heéfle³eesefielee :

Fme Je<e& SueDeeF&meer Üeje efoveebkeÀ 17.01.2018 mes 20.01.2018 kesÀ oewjeve Je[esoje (heeq½ece #es$e) ceW DeefKeue Yeejleer³e meeJe&peefvekeÀ #es$e Jee@ueeryee@
ue heéfle³eesefielee keÀer cespeyeeveer meHeÀueleehetJe&keÀ keÀer ieF& ~ SueDeeF&meer ìerce ves ®eQefhe³eveefMehe ìê@HeÀer peerleer ~
SueDeeF&meer ìerceeW / efKeueeef[³eeW keÀer hećegKe GheueeqyOe³eeb :

Je<e& 2017-18 ceW, SueDeeF&meer efKeueeef[³eeW ves 20 mes DeefOekeÀ jeäêr³e/Debleje&äêr³e mlej keÀer Kesue heéfle³eesefieleeDeeW ceW Yeeie efue³ee keÀer Deewj efveiece kesÀ
efueS heokeÀ peerles ~ heokeÀ efJepesleeDeeW keÀe efJeJejCe efvecveevegmeej nw :
SLeuesefìkeÌme
SLeueerì keÀe veece heokeÀ Kesue heéfle³eesefielee / mheOee& mLeeve SJeb efleefLe
Þeer pee@³eueerve ueesyees jpele heokeÀ 21 JeeR HesÀ[jsMeve keÀhe vewMeveue SLeuesefìkeÌme heefì³eeuee,
megÞeer ceesefvekeÀe DeeLejs keÀebm³e heokeÀ ®eQefhe³eveefMehme 2017 petve, 2017
Þeer keÀeefueoeme efnjJes keÀebm³e heokeÀ
Þeer efjlesMe kegÀceej keÀebm³e heokeÀ
Þeer pee@³eueerve ueesyees jpele heokeÀ 57 JeeR vewMeveue Fbìj mìsì efmeefve³ej SLeuesefìkeÌme iegbìgj,
Þeer keÀeefueoeme efnjJes 2 keÀebm³e heokeÀ ®eQefhe³eveefMehe 2017 pegueeF&, 2017
Þeer pee@³eueerve ueesyees keÀebm³e heokeÀ meerefve³ej vewMeveue SLeuesefìkeÀ ®eQefhe³eveefMehe 2017 ®esVeF&,
efmelecyej, 2017
Þeer keÀeefueoeme efnjJes mJeCe& heokeÀ yeerSmeSHeÀ neHeÀ ce@jsLee@ve 2017 veF& efouueer,
DekeÌìtyej, 2017
Þeer keÀeefueoeme efnjJes jpele heokeÀ ìeìe mìerue FbìjvewMeveue 25 efkeÀ.ceer.ce@jsLee@ve keÀesuekeÀelee,
efomecyej, 2017
megÞeer ceesefvekeÀe DeeLejs mJeCe& heokeÀ veF& efouueer ce@jsLee@ve 2017 veF& efouueer,
HeÀjJejer, 2018
27
kewÀjce :
efKeueeæ[er keÀe veece heokeÀ Kesue heéfle³eesefielee / mheOee& mLeeve SJeb efleefLe
megÞeer Sme.DehetJee& keÀebm³e heokeÀ (SkeÀue) meerefve³ej vewMeveue SC[ Fbìjmìsì kewÀjce ®esVeF&,
jpele heokeÀ (ìerce) ®eQefheve³eveefMehe 2017 veJecyej, 2017
yew[eEceìve :
Þeer efme×eLe& keÀebm³e heokeÀ
(hegª<e SkeÀue)
megÞeer Jejoe oeref#ele keÀebm³e heokeÀ Dee@ue Fbef[³ee Fbìj-FeqvmììîetMeveue efJepe³eJee[e,
(ceefnuee SkeÀue) yew[eEceìve ìtvee&ceWì 2017 Deiemle, 2017
Þeer pewmeve PesefJe³ej keÀebm³e heokeÀ
SJeb Þeer Sve.veeiee efJevee³ekeÀ (hegª<e [yeume)
megÞeer ÞeOoe ÞeerJeemleJe SJeb keÀebm³e heokeÀ
megÞeer Jejoe oeref#ele (ceefnuee ³egieue)
Þeer he´sce eEmen ®eewneve keÀebm³e heokeÀ
SJeb megÞeer Jejoe oeref#ele (efceÞe ³egieue)
Melejbpe
efJeée ie´@b[ ceemìj mJeeleer Ieeìs keÀebm³e heokeÀ vewMeveue Jegcesve ®ewueWpeme& ®esme cewmetj,
®eQefhe³eveefMehe 2017 pegueeF&, 2017
efJeée ie´@b[ ceemìj mJeeleer Ieeìs mJeCe& heokeÀ keÀe@ceveJesuLe ®esme ®eQefhe³eveefMehe veF& efouueer,
pegueeF&, 2017
efJeée ie´@b[ ceemìj efkeÀjCe ceefve<ee ceesnvleer keÀebm³e heokeÀ SefMe³eve efmeìerped ®esme ®eQefhe³eveefMehe YegJeveséej,
Deiemle, 2017
Jee@ueeryee@ue :
ìerce keÀe veece heokeÀ Kesue heéfle³eesefielee / mheOee& mLeeve SJeb efleefLe
DeefKeue Yeejleer³e Jee@ueeryee@ue ìerce mJeCe& heokeÀ DeefKeue Yeejleer³e meeJe&peefvekeÀ #es$e Kesue Je[esoje,
heéfle³eesefielee 2017 peveJejer, 2018
17 ceeveJe mebmeeOeve efJekeÀeme/mebieþve efJekeÀeme heéfMe#eCe ieefleefJeefOe³eeB

Je<e& 2017-18 ceW keÀe³e&yeue keÀer #ecelee efJekeÀefmele keÀjves kesÀ hejce GÎsM³e mes ceeveJe mebmeeOeve kesÀ heéfleYee hetue keÀe efvecee&Ce keÀj, GmekesÀ hees<eCe Deewj efJekeÀeme keÀer
heéf¬eÀ³ee keÀes megiece yeveevee, GvekesÀ Deveg#es$e %eeve keÀes yeæ{evee, kebÀH³etìj keÀesJ³eJenej keÀewMeue keÀes mebJee|Oele keÀjvee leLee DeeJeM³ekeÀleehejkeÀ heéfMe#eCe efve³eesefpele
SJeb heóeve keÀjvee, efJeYeeie keÀe cegK³e O³es³e jne ~
Schuee@F& SviespeceWì
i. heésieéce (F&F&heer) - ’veS ef#eeflepe keÀer Deesj : Towards New Horizon” : yeercee #es$e ceW SueDeeF&meer kesÀ keÀe³e&-
mebheeove, veF& henueeW leLee ®egveewefle³eeW mebyebOeer peevekeÀejer keÀes meePee keÀjves kesÀ GÎsM³e mes, DeefYeuesKe efueefhekeÀ mebJeie& mes he´MeemeefvekeÀ DeefOekeÀejer
(efJekeÀeme DeefOekeÀeefj³eeW kesÀ meefnle) lekeÀ kesÀ keÀce&®eeefj³eeW kesÀ efueS GhejesÊeÀ Schuee@F& SviespeceWì heésieéce (F&F&heer) keÀe Dee³eespeve efkeÀ³ee ie³ee ~
F&F&heer ceW SueDeeF&meer kesÀ Fme Je<e& kesÀ he´sjCeemheo JeekeÌ³e ’heefjJele&vekeÀejer veJeerveerkeÀjCe Üeje Glke=Àälee“ hej DeeOeeefjle efJe<e³eeW keÀe meceeJesMe

Lee ~ FmeceW meceie´ Deee|LekeÀ heefjJesMe (Macro Ecomomic Environment), heéflemheOee&lcekeÀ heefj¢M³e (Competitive scenario) leLee
efJeheCeve, he´l³e#e efJeheCeve, veJe J³eJemee³e, ieénkeÀ mebyebOe heýebOeve leLee met®evee heéwÐeesefiekeÀer kesÀ #es$eeW ceW veF& henueeW (New initiatives) keÀes Yeer
meceeefnle efkeÀ³ee ie³ee ~ meeLe ner, ef[efpeìue keÀe³e& keÀes yeæ{eJee osves nsleg efJeefYeVe lejerkeÀeW hej efJe®eej-cebLeve me$e Yeer Dee³eesefpele efkeÀS ieS ~
28
28
ii. mebhetCe&
Yeejle ceW Schuee@F& SviespeceWì heésieéce kesÀ 2311 me$e Dee³eesefpele efkeÀS ieS, efpeveceW 92,165 keÀce&®eeefj³eeW keÀes (ue#³e kesÀ 93.61…) heéfMe#eCe
heóeve efkeÀ³ee ie³ee ~
iii. vee@uespe vesìJeke&À heesì&ue keÀes efJekeÀefmele efkeÀ³ee ie³ee Deewj Gmes kesÀvêer³e keÀe³ee&ue³e keÀer ceeveJe mebmeeOeve efJekeÀeme JesyemeeF&ì hej jKee ie³ee, peneb
he´mlegleerkeÀjCeeW, DevegmebOeeve efjheesìdme&, Je=Êe DeO³e³eve (case study) leLee Dev³e %eevehetCe& omleeJespeeW keÀes meePee efkeÀ³ee pee mekeÀlee nw ~ Fmemes,
meYeer heéfMe#eCe kesÀvê SkeÀ meceeve mebhe´s<eCe, keÀewMeue Je=eqOo, met®evee meePee keÀjves ceW me#ece ngS nQ, Fme he´keÀej nceejs heéfMe#eCe kesÀvêeW keÀes %eeve kesÀ
he´Jeen keÀe SkeÀ ceb®e yevee efo³ee ie³ee nw pees megiece, lespe SJeb GÎsM³e GvcegKe nesiee Deewj Fmes heefjceeefhele efkeÀ³ee pee mekesÀiee ~
iv. he´Lece ÞesCeer DeefOekeÀeefj³eeW keÀer heéfMe#eCe DeeJeM³ekeÀleeDeeW mebyebOeer peevekeÀejer ceeveJe mebmeeOeve efJekeÀeme cees[îetue kesÀ ceeO³ece mes heéhle keÀer ieF& ~
v. kesÀvêer³e keÀe³ee&ue³e leLee #es$eer³e keÀe³ee&ue³eeW Üeje, heýevOe efJekeÀeme kesÀvê leLee 8 #es$eer³e heéfMe#eCe kesÀvêeW pewmes DeebleefjkeÀ heéfMe#eCe kesÀvêeW Deewj meeLe
ner, SveDeeF&S, DeeF&Smeyeer, DeeF&DeeF&Scme, SSmemeerDeeF& Deeefo heéfleeqÿle yeenjer heéfMe#eCe mebmLeeDeeW kesÀ ceeO³ece mes heéfMe#eCe ieefleefJeefOe³eeb ®eueeF&
ieF¥ ~
vi. 09 DeefOekeÀeefj³eeW keÀes heéfMe#eCe kesÀ efueS efJeosMe Yespee ie³ee ~
vii. ieénkeÀeW keÀes yesnlej mesJee heóeve keÀjves ceW mene³elee kesÀ GÎsM³e mes keÀce&®eeefj³eeW kesÀ keÀe³ee&lcekeÀ SJeb Deveg#es$e mebyebOeer %eeve ceW Je=eqOo keÀjves nsleg, ceC[ue
mlej hej 30579 le=leer³e ÞesCeer keÀce&®eeefj³eeW keÀes keÀce&®eejer heéfMe#eCe kesÀvêeW/ keÀch³etìj heéfMe#eCe kesÀvêeW kesÀ ceeO³ece mes heéfMe#eCe heóeve efkeÀ³ee ie³ee ~
viii. DeeF&SmeDees hećeeCeerkeÀjCe :
(1) Yeejleer³e ceevekeÀ y³etjes Üeje efoveebkeÀ 17 peveJejer, 2018 keÀes cee.meb.efJe./meb.efJe.efJeYeeie (meYeer ®eej DevegYeeie DeLee&led heéfMe#eCe,
hegmlekeÀeue³e, KesueketÀo leLee jepeYee<ee keÀe³ee&vJe³eve) kesÀvêer³e keÀe³ee&ue³e keÀes DeeF&SmeDees/9001:2015 kesÀ Devegmeej iegCeJeÊee heýevOeve
heĆeeueer hećeeCeerkeÀjCe nsleg ueeF&mesvme peejer efkeÀ³ee ie³ee nw ~ ³en ueeF&mesvme efoveebkeÀ 16 peveJejer, 2021 lekeÀ JewOe nesiee ~
(2) meYeer DeeþeW #es$eer³e heéfMe#eCe kesÀvêeW keÀes Yeer DeeF&SmeDees hećeeCeerkeÀjCe heéhle ngDee nw ~
ix. Je<e& 2017-18 kesÀ oewjeve SueDeeF&meer ves efvecve heéfMe#eCe/ceeveJe mebmeeOeve hegjmkeÀej peerles nQ :
ã 7Jeeb Jeee|<ekeÀ ieérveìskeÀ S®eDeej huewefìvece SJee[& 2017 HeÀe@j ì^seEveie SkeÌmesuesvme (ueieeleej leermejer yeej)
ã mee|ìefHeÀkesÀì Dee@HeÀ SefheéfmeSMeve yee³e o p³etjer Dee@HeÀ yeerSceSue cegvpeue SJee[& 2017
ã ieesu[ve efhekeÀe@keÀ vewMeveue ì^seEveie SJee[& Fve ì^seEveie HeÀe@j o F³ej 2018 (ueieeleej leermejer yeej)
ã iueesyeue yesmì Schuee@³ej yeéC[ SJee[& 2017 HeÀe@j SkeÌmesuesvme Fve ì^seEveie
2017-18 kesÀ oewjeve kesÀvêer³e keÀe³ee&ue³e/cee.meb.efJe. Üeje Dee³eesefpele he´MeemeefvekeÀ keÀee|cekeÀ heéfMe#eCe ieefleefJeefOe³eeW SJeb DevegketÀefuele
(customized) keÀe³e&¬eÀceeW keÀe y³eewje efvecveevegmeej nw :
he´MeemeefvekeÀ keÀee|cekeÀ heéfMe#eCe ieefleefJeefOe³eeb :
heéfMe#eCe mebmLee kegÀue heéfMeef#ele keÀce&®eejer
2017-18 2016-17
heýevOe efJekeÀeme kesÀvê/#es$eer³e heéfMe#eCe kesÀvê 39,350 31,793
SveDeeF&S 2,487 2,116
yeenjer heéfMe#eCe mebmLee (Deesheve heésieéce) 372 439
DevegketÀefuele heéfMe#eCe (Customized Training) 848 1,049
#es$eeW Üeje yeenjer heéfMe#eCe 1,840 3,127
efJeosMe heéfMe#eCe 09 04
le=leer³e ÞesCeer heéfMe#eCe (keÀce&®eejer heéfMe#eCe kesÀvê) 30,579 48,303
®elegLe& ÞesCeer heéfMe#eCe (ceC[ueeW Üeje) 2,093 2,557
Schuee@F& SviespeceWì heésieéce 92,165 93,329
’veS ef#eeflepe keÀer Deesj'' - “Towards New Horizon”
29
DevegketÀefuele (customized) keÀe³e&¬eÀce :

¬eÀ.meb. keÀe³e&¬eÀce keÀe veece heéfMeef#ele keÀce&®eeefj³eeW
keÀer mebK³ee
(1) efJe¬eÀ³e heéfMe#eCe kesÀvê kesÀ heé®ee³eeX kesÀ efueS heéfMe#eCe 27
(2) DeeF&ìerSmepeer DeefOekeÀeefj³eeW kesÀ efueS heéfMe#eCe 51
(3) mebkeÀe³e meom³eeW kesÀ efueS DeeF&Deej[erSDeeF& efJeefve³eceeW hej heéfMe#eCe 132
(4) met®evee keÀe DeefOekeÀej ceeceueeW hej heéfMe#eCe 32
(5) ceefnueeDeeW kesÀ ueQefiekeÀ Glheeræ[ve keÀer jeskeÀLeece hej heéfMe#eCe 31
(6) #es$eer³e heéfMe#eCe kesÀvê/efJe¬eÀ³e heéfMe#eCe kesÀvê kesÀ mebkeÀe³e meom³eeW kesÀ efueS `'ì^sve o 24
ì^svej''
(7) mebkeÀe³e meom³eeW kesÀ efueS `'DevegmebOeeve ef¬eÀ³eeefJeefOe'' (Reasearch Methodology) 24
hej heéfMe#eCe
(8) veeefcele efveosMekeÀeW (Nominee Directors) kesÀ efueS heéfMe#eCe 25
(9) F&F&heer nsleg ì^sve o ì^svej 25
(10) ceC[ue heýevOekeÀeW kesÀ efueS HeÀeF&veevme HeÀe@j vee@ve HeÀeF&veevme 211
(11) mebheoe DeefOekeÀeefj³eeW kesÀ efueS he´JesMe / hegve½e³ee& heéfMe#eCe 68
(12) met®evee heéwÐeesefiekeÀer DeefOekeÀeefj³eeW kesÀ efueS heéfMe#eCe 58
(13) yeerceebkeÀve DeefOekeÀeefj³eeW kesÀ efueS #ecelee efvecee&Ce (Capacity Building) hej heéfMe#eCe 28
(14) cee.meb.efJe./meb.efJe. leLee DeefYe³eebef$ekeÀer efJeYeeie kesÀ efueS DeeF&SmeDees hej heéfMe#eCe 38
(15) DeeF&Smeyeer ceW Jeefjÿ ceC[ue heýevOekeÀeW kesÀ efueS vesle=lJe efJekeÀeme keÀe³e&¬eÀce (Leadership 38
Development Programme)
(16) efJeosMe heéfMe#eCe 09
(17) kesÀvêer³e keÀe³ee&ue³e ceW heomLeeefhele DeefYeuesKe efueefhekeÀeW kesÀ efueS heéfMe#eCe 36
kegÀue heéfMeef#ele 857
(18) heýevOe efJekeÀeme kesÀvê :
’keÀe³e& heéfMe#eCe ueesieeW keÀes GvekeÀer #ecelee keÀe Snmeeme keÀjves Deewj Deheves peerJeve ceW megOeej keÀjves keÀer MeefÊeÀ heóeve keÀjlee nw~“
-efmeequJe³ee cewL³etpe yegJe&ue
efveiece kesÀ SkeÀ hećegKe heéfMe#eCe mebmLeeve kesÀ ªhe ceW heýebOe efJekeÀeme kesÀvê, mebmLee keÀer ceeveJe hetbpeer efJekeÀefmele keÀjves ceW heÝeeJeer ªhe mes Deheveer YetefcekeÀe efveYee
jne nw~ heýebOe efJekeÀeme kesÀvê efveiece kesÀ ceO³ece heýebOeve mlej kesÀ DeefOekeÀeefj³eeW keÀes veJeervelece heéfMe#eCe meeceieér heóeve keÀjves kesÀ efueS ueieeleej he´³eeme keÀj jne
nw~ veS cee@[îetue lew³eej keÀjves Deewj Jele&ceeve cee@[îetue keÀes DeÐeleve keÀjves kesÀ efueS keÀF& henueW keÀer ieF& nQ~ kesÀvê DeeF&Sme / DeeF&SmeDees 9001: 2015 hećeeefCele
heéfMe#eCe mebmLeeve kesÀ ªhe ceW Deheveer íefJe keÀes yeveeS jKeves kesÀ efueS heéfleye× nw~ heýebOe efJekeÀeme kesÀvê ìerce Fve ceevekeÀeW mes Deeies yeæ{ves kesÀ efueS keÀæ[er cesnvele
keÀj jner nw~
heýebOe efJekeÀeme kesÀvê ves henueer yeej 10,000 mes DeefOekeÀ DeefOekeÀeefj³eeW keÀes heéfMe#eCe osves keÀer GheueeqyOe heéhle keÀer nw~ Fme Je<e& 11,153 DeefOekeÀeefj³eeW keÀes
heéfMe#eCe efo³ee ie³ee pees (4,075 Fve-neGme Deewj 7,078 Jeeref[³ees keÀe@vHe´WÀeEmeie kesÀ ceeO³ece mes) iele Je<e& kesÀ 5,880 DeefOekeÀeefj³eeW (3,644 Fve-neTme Deewj
2,236 Jeeref[³ees keÀe@vHe´WÀeEmeie kesÀ ceeO³ece mes) kesÀ cegkeÀeyeues efo³ee ie³ee Lee, Fme he´keÀej 89.67… keÀer Je=ef× ope& keÀer ieF&~
(19) jepeYee<ee keÀe³ee&vJe³eve :
(i) m eeceev³e J³eJenej kesÀ JeekeÌ³eebMeeW keÀes 11 heéosefMekeÀ Yee<eeDeeW (Demeefce³ee, Got&, Gef[³ee, yebieuee, hebpeeyeer, ceue³eeuece, leefceue, lesueieg, keÀVe[,
cejeþer, iegpejeleer) ceW lew³eej keÀj he´keÀeefMele efkeÀ³ee ie³ee ~
(ii) efJeosMe eqmLele keÀe³ee&ue³eeW (efHeÀpeer, ceejerMeme, ³et.kesÀ.) ceW Yeer efnvoer efoJeme leLee efnvoer heKeJeeæ[s keÀe Dee³eespeve efkeÀ³ee ie³ee Je mejue efnvoer %eeve
mebyebOeer heéfle³eesefielee Yeer Dee³eesefpele keÀer ie³eer ~
30
30
(iii) ceen ceW SkeÀ efove efnvoer keÀecekeÀepe kesÀ efueS efveOee&efjle keÀjves kesÀ efJeÊe ceb$eeue³e, jepeYee<ee efJeYeeie kesÀ efveoxMeevegmeej, efveiece ceW he´l³eskeÀ cenerves keÀe
leermeje MeefveJeej èfnvoer MeefveJeej’ kesÀ ªhe ceW cevee³ee pee jne nw ~
(iv) j epeYee<ee efJeYeeie Üeje ®eueeF& peevesJeeueer veieo heéslmeenve ³eespevee, 1994 keÀes Yeejle mejkeÀej, jepeYee<ee efJeYeeie Üeje efveOee&efjle ceeveoC[eW kesÀ
Devegmeej efoveebkeÀ 31.03.2018 keÀes mebMeesefOele efkeÀ³ee ie³ee ~ veF& ³eespevee efoveebkeÀ 01.04.2018 mes heÝeeJeer nesieer ~
(v) o wefvekeÀ keÀecekeÀepe ceW Deeves Jeeues 21 ceevekeÀ he´he$eeW keÀes efÜYee<eer keÀj jepeYee<ee Jesyehespe hej Ghe³eesie nsleg heóe|Mele efkeÀ³ee ie³ee ~ ceesyeeF&ue Sshe ùeeruee'
keÀer mene³elee mes efnvoer meerKeves nsleg efJeMes<e heéfMe#eCe me$e keÀe Dee³eespeve efkeÀ³ee ie³ee ~
(vi) ie=n ceb$eeue³e, jepeYee<ee efJeYeeie, Yeejle mejkeÀej Deewj veiej jepeYee<ee keÀe³ee&vJe³eve meefceefle³eeW Üeje efveiece kesÀ kegÀue 33 keÀe³ee&ue³eeW keÀes 33

hegjmkeÀejeW mes mecceeefvele efkeÀ³ee ie³ee ~
meeceeefpekeÀ SJeb meeefneql³ekeÀ mebmLee `DeeMeerJee&o' Üeje meeJe&peefvekeÀ Ghe¬eÀceeW keÀer ÞesCeer ceW DeefKeue Yeejleer³e mlej hej efveiece kesÀ kesÀvêer³e keÀe³ee&ue³e
(vii)
keÀes ueieeleej leermejs Je<e& he´Lece hegjmkeÀej `®eue Jewpe³ebleer' mes mecceeefvele efkeÀ³ee ie³ee ~ Fmeer mebmLee Üeje efveiece kesÀ heýevOe efveosMekeÀ Þeer nsceble
Yeeie&Je keÀes `jepeYee<ee jlve' hegjmkeÀej mes mecceeefvele efkeÀ³ee ie³ee ~
(20) DeefYe³eebef$ekeÀer keÀe³e&keÀueehe:

Je<e& kesÀ oewjeve efveiece ves 10 MeeKee keÀe³ee&ue³e, 72 DeeJeeme FkeÀeF&³eeW keÀe Deewj 2 efJe¬eÀer heéfMe#eCe keWÀê keÀe efvecee&Ce osMe Yej ces efkeÀ³ee ~ efveiece ves 1,17,877 Jeie&
HetÀì keÀe efveJesMe #es$e 3 peieneW hej pewmes efJeMeeKeeheìvece, ®esVeF& Deewj ieeef]pe³eeyeeo ces ` 3.48 keÀjesæ[ keÀer mekeÀue efkeÀje³es kesÀ Dee³e (®esVeF& Deewj efJeMeeKeeheìvece
mes) kesÀ meeLe Deefpe&le ngF&~
efveiece ves efìkeÀeT efJekeÀeme kesÀ efueS veJeerkeÀjCeer³e Deewj mJe®í Tpee& keÀes yeæ{eJee osves kesÀ ¢eqäkeÀesCe kesÀ meeLe 1,844 KWP meewj heerJeer keÀer kegÀue mLeehevee
keÀer Deewj 15,76,970 ³etefveì keÀe osMe Yej ces efvecee&Ce efkeÀ³ee efpemekesÀ keÀejCe `141.93 ueeKe keÀer efyepeueer efyeue ye®ele ngF& Deewj 1,262 ìve keÀeye&ve Glmepe&ve ceW
keÀceer kesÀ keÀejCe mJe®í he³ee&JejCe ceW ³eesieoeve efo³ee ie³ee~
(21) mecheoe/mee.J³e.F&. :
Fme Je<e& efoveebkeÀ 31.03.2018 keÀes efveiece keÀer mecheoe mes jepemJe ` 341.43 keÀjesæ[ jne pees iele Je<e& efoveebkeÀ 31.03.2017 keÀes ` 316.72 keÀjesæ[ Lee~ ³en
efheíueer Je<e& mes 7.80… yeæ{eslejer oMee&lee nw~ yepeì 0.08… mes DeefOekeÀ nes ie³ee nw~
Je<e& 2017-18 kesÀ oewjeve 8 cekeÀeve cegbyeF& ceW Deewj leerve YetKeb[ he´l³eskeÀer SkeÀ cewmetj, efmeÎerhesì (efmekebÀojeyeeo ceC[ue) SJeb keÀeshejieebJe (hegCes ceC[ue I) ceW ¬eÀ³e
efkeÀS ieS~ GÊeÀ DeefOeieńCe nsleg ` 16.13 keÀjesæ[ efveJesMe efkeÀS ieS~
31.03.2018 lekeÀ he´sef<ele peerSmeìer (mecheoe efJeYeeie mes mebyebefOele) keÀer kegÀue jeefMe ` 45.24 Leer ~
(22) met®evee heéwÐeesefiekeÀer :
SueDeeF&meer ceW met®evee heéwÐeesefiekeÀer keÀer cegK³e efJeMes<eleeSb :
1. Fve-neTme Deveghe´³eesieeW kesÀ meb®eeueve kesÀ efueS nceejs keÀce&®eeefj³eeW kesÀ efueS SkeÀ megjef#ele keÀe³e& JeeleeJejCe heóeve keÀjves kesÀ efueS, meYeer SueDeeF&meer
keÀe³ee&ue³eeW ceW yee@³eesceerefì^keÀ hećeeCeerkeÀjCe heĆeeueer keÀes lew³eej keÀjves keÀer ³eespevee yeveeF& ieF& nw~ keÀe³ee&vJe³eve hee³eueì, he´Lece ®ejCe Deewj efÜleer³e
®ejCe keÀe keÀe³e& hetje nes ®egkeÀe nw~
2. [sìe Jes³ejneTme meYeer efve³eecekeÀ mebmLeeDeeW kesÀ meeLe-meeLe heýebOeve met®evee efjheesì& kesÀ efueS peevekeÀejer keÀe SkeÀue ñeesle nw~³en ueer[ pevejsMeve
Deewj ieénkeÀ mebheke&À keÀe SkeÀ mece=× ñeesle jne nw, meeLe ner keÀF& he@eefueefme³eeW Jeeues ieénkeÀeW keÀes eEmeieue veesefìme pewmeer henueeW kesÀ ceeO³ece mes ueeiele
ye®ele Yeer nes jner nw~
3. DeeF&Deej[erSDeeF& ves 07.04.2017 keÀes yeercee kebÀheefve³eeW kesÀ efueS met®evee Deewj meeFyej megj#ee hej efoMee-efveoxMe peejer efkeÀS nw~ Fve efoMee-efveoxMeeW
keÀe Devegheeueve keÀjves kesÀ efueS, SueDeeF&meer ves `meeF&yej efmekeÌ³eesefjìer mesue' veecekeÀ SkeÀ ve³ee efJeYeeie yevee³ee nw, efpemekeÀe vesle=lJe cegK³e met®evee
megj#ee DeefOekeÀejer (meer.DeeF&.Sme.Dees.)Üeje efkeÀ³ee pee jne nw~ DeeF&Deej[erSDeeF& Üeje meerDeeF&SmeDees keÀer efve³egefÊeÀ DeefveJee³e& nw~ FmekesÀ DeueeJee,
SueDeeF&meer yees[& mes Devegceesove kesÀ efueS efvecveefueefKele omleeJespe jKes pee jns nw:
De) meeF&yej megj#ee veerefle~
31
ye) meeF&yej mebkeÀì heýebOeve ³eespevee (meermeerSceheer)

me) yees[& Devegceesefole met®evee Deewj meeF&yej megj#ee veerefle kesÀ Devegªhe met®evee Deewj meeF&yej megj#ee Deeéeemeve keÀe³e&¬eÀce (keÀe³ee&vJe³eve
³eespevee / efoMeeefveoxMe)~
4. DeeF&Deej[erSDeeF& kesÀ efoMee efveoxMeeW keÀe heeueve keÀjves kesÀ efueS Dev³e ìerceeW keÀer ceoo mes meeF&yej megj#ee mesue keÀF& nhb keÀjves pee jne nw ~
SueDeeF&meer efJeefYeVe nceueeW Deewj KelejeW kesÀ mebYeeefJele leewj lejerkeÀeW keÀer hen®eeve, efveiejeveer Deewj jeskeÀLeece keÀjves kesÀ efueS cegbyeF& ceW SkeÀ megj#ee
meb®eeueve keWÀê (SmeDeesmeer) mLeeefhele keÀj jne nw~
SueDeeF&meer ves ³en ueeiet efkeÀ³ee nw:
1. veskeÌmì pesvesjsMeve ]HeÀe³ejJee@ue SkeÀerke=Àle SveDeeF&heerSme / SveDeeF&[erSme / [erSueheer / Sbìer mheeFJes³ej /Sbìeryee@ì Fl³eeefo~
2. meb®eej mlej keÀes cepeyetle keÀjves kesÀ efueS vesìJeke&À mlej Seqv¬eÀhMeve (GETVPN / IPsec)~
3. nceejer Fbìjvesì ueerp[ ueeFveeW hej mee|Jeme (Jee@u³etcesefì^keÀ nceuee) kesÀ efJelejCe keÀer ceveener~
4. SueDeeF&meer kesÀ efuevekeÌme efmemìce kesÀ efueS Sbìer-Jee³ejme~
5. owefvekeÀ DeeOeej hej keÀcepeesefj³eeW kesÀ efueS JesyemeeFìeW keÀer Dee@veueeF&ve mkewÀeEveie kesÀ efueS keÌueeG[ DeeOeeefjle mesJeeSb~
SueDeeF&meer efvecve keÀoce Gþe jner nw:
1. DeeF&Deej[erSDeeF& keÀer DeeJeM³ekeÀleeDeeW kesÀ meeLe Deblejeue keÀer hen®eeve keÀj keÀe@eqv]HeÀiejsMeve Dee@ef[ì, YesÐelee cetu³eebkeÀve, he´JesMe
hejer#eCe, megjef#ele vesìJeke&À Deee|keÀìskeÌ®ej meceer#ee, SeqhuekesÀMeve megj#ee Deewj megjef#ele keÀes[ keÀer meceer#ee keÀjkesÀ Fvns mece³eye× lejerkesÀ
mes Fmes hetje keÀjvee ~
2. SueDeeF&meer Üeje yeæ[s Deewj ceO³ece keÀe³ee&ue³eeW kesÀ efueS DeeF&Sme uesKee hejer#ee keÀjkesÀ SueDeeF&meer Üeje DeeF&Deej[erSDeeF& efoMeeefveoxMeeW
kesÀ DevegueivekeÀ-S ceW heefjYeeef<ele 307 efve³eb$eCeeW keÀe Devegheeueve keÀjvee~
3. mebheefÊe-heýebOeve ìtue keÀes ueeiet keÀj mebheefle kesÀ peerJeve ®e¬eÀ heýebOeve keÀjvee Deewj megj#ee IeìveeDeeW kesÀ efueS uee@ie SkeÀ$eerkeÀjCe SJeb Gveces
men-mebyebOe mLeehevee kesÀ efueS megj#ee SJeb Ieìvee heýevOeve (Sme DeeF& F& Sce) GhekeÀjCeeW keÀe he´³eesie keÀjvee~
SueDeeF&meer ves meYeer keÀce&®eeefj³eeW kesÀ efueS met®evee megj#ee mes mebyebefOele Ghe³eesiekeÀlee& peeieªkeÀlee heéfMe#eCe kesÀ oes heéfMe#eCe me$e ®eueeSb nQ Deewj Je<e&
2018-2019 kesÀ efueS heéfMe#eCe keÀe oewj Megª efkeÀ³ee nw~
mee@HeÌìJes³ej efJekeÀeme
efveiece kesÀ keWÀêer³e keÀe³ee&ue³e, #es$eer³e keÀe³ee&ue³eeW, ceC[ue keÀe³ee&ue³eeW, MeeKeeDeeW, mewìsueeF&ì keÀe³ee&ue³eeW SJeb efceveer-Dee@efHeÀme kesÀ efueS mee@HeÌìJes³ej meheesì& heóeve
keÀjlee nw~ efJeYeeie Üeje efveiece keÀer efvecveefueefKele ieefleefJeefOe³eeW kesÀ efueS mee@HeÌìJes³ej meceeOeeve heóeve efkeÀS peeles nQ:
l efJeheCeve ieefleefJeefOe³eeb, veJeJ³eJemee³e meb®eeueve, yeerceeuesKeve, yeercee hee@efuemeer peejer keÀjvee, DeefYekeÀlee&DeeW efJekeÀeme DeefOekeÀejer Deewj efJeheCeve kesÀ Dev³e
meYeer ®ewveueeW kesÀ efueS keÀefceMeve Deewj Dev³e Yegieleeve ~
l meYeer ieénkeÀ mebyebOe heýebOeve kesÀ keÀe³e& pewmes oeJee, hee@efuemeer mesJee, hegve®e&ueve, $eÝCe, Jesleve ye®ele, Jeee|<ekeÀer hee@efueefme³eeB, ³etefveì eEuekeÌ[ hee@efueefme³eeB,
SveSmeerS®e Deewj ieénkeÀ #es$e ~
l efJeÊe Deewj uesKee, keÀe³ee&ue³e mesJeeDeeW, uesKee hejer#ee, efvejer#eCe mes mebyebefOele ieefleefJeefOe³eeb~
l cetu³eebkeÀve [sìe efve<keÀ<e&Ce Deewj Je<ee¥le meb®eeueve mes mebyebefOele ieefleefJeefOe³eeb~
l hee@efueefme³eeW keÀer Dee@veueeFve efye¬eÀer Deewj lebovlej mee|JeeEmeie kesÀ efueS efmemìce~
l meYeer mlejeW hej efveCe&³e mene³ekeÀ leb$e heóeve keÀjves kesÀ efueS cepeyetle heýebOeve met®evee heĆeeueer ~
Je<e& 2017-2018 ceW efJeYeeie ves yeoueles yee¿e JeeleeJejCe kesÀ heefjhes#³e ceW meHeÀueleehetJe&keÀ heéfleef¬eÀ³ee keÀjles ng³es, peerSmeìer kesÀ keÀe³ee&vJe³eve keÀer Jeńle ®egveewleer keÀes
mece³eevegmet®eer kesÀ Devegmeej meHeÀueleehetJe&keÀ hetCe& efkeÀ³ee~
32
32
efvecveefueefKele heéJeOeeveeW mes ieénkeÀ mesJee heésVele efkeÀ³ee ie³ee:

l Dee@veueeFve $eÝCe Yegieleeve Deewj Dee@veueeFve $eÝCe / $eÝCe y³eepe ®egkeÀewleer keÀe heéJeOeeve
l ieénkeÀ heesì&ue hej mhee@ì efjJeeFJeue keÀe heéJeOeeve
l DeeF&DeesSme Deewj Sb[ê@F[ mìesj hej ieénkeÀ ceesyeeFue Shme
nceves ieénkeÀ megefJeOeeDeeW keÀes efvecveefueefKele kesÀ Üeje Deewj Yeer mebJee|Oele efkeÀ³ee:
l Dee@veueeFve ceb®e hej heerSceJeerJeerJeeF& (heÓeeveceb$eer Je³e Jebove ³eespevee) keÀe MegYeejbYe
l Dee@veueeFve ceb®e hej keQÀmej keÀJej keÀe MegYeejbYe
l hee@efueefme³eeW keÀes DeeOeej mes peesæ[ves kesÀ efueS Dee@veueeFve DevegjesOe keÀer megefJeOee
l meerSmemeer ®ewveue kesÀ ceeO³ece mes met#ce yeercee hee@efueefme³eeW keÀe heérefce³ece SkeÀ$e keÀjves keÀe heéJeOeeve
l 52.62 keÀjesæ[ hee@efuemeer omleeJespe ceW mes 49.65 keÀjesæ[ (93.61…)ef[efpeìueerke=Àle efkeÀS ieS ~
l 22 keÀjesæ[ Je=ef×Meerue omleeJespe SJeb 18.80 ueeKe SpeWmeer omleeJespe mkewÀve efkeÀS ieS~
(23) DeebleefjkeÀ DebkesÀ#eCe:
Je<e& 2017-18 kesÀ efueS meYeer MeeKeeSB / mewìueeF&ì Dee@efHeÀme / ceb[ue / #es$eer³e keÀe³ee&ue³eeW Deewj keWÀêer³e keÀe³ee&ue³e kesÀ efJeYeeieeW keÀe Dee@ef[ì efJeefOeJele 31 cee®e&
2018 lekeÀ hetje efkeÀ³ee ie³ee Deewj kegÀue ` 83.15 keÀjes[ keÀer DeefOekeÀ Deoe³eieer hee³eer ieF& pees efheíues Je<e& keÀer leguevee ceW 11.8 … keÀer keÀceer oMee&leer nw ~
met®evee heéwÐeesefiekeÀer kesÀ Ghe³eesie mes efveiece keÀer heĆeeefue³eeW Deewj heéf¬eÀ³eeDeeW ceW efvejvlej megOeej ueeves nsleg ’efjceesì Dee@ef[ì“ pees Dehe´wue 2013 mes Meg© efkeÀ³ee
ie³ee GmeceW Je<e& 2017-18 ceW efJemleeefjle ©he mes Je=×er keÀer ieF& ~
(24) efvejer#eCe :

SueDeeF&meer efJeefvece³eve 1959 kesÀ efJeefvece³eve 47 ces ³en GuuesKe nw : ’efveiece kesÀ Yeejle ces keÀe³e&jle meYeer keÀe³ee&ue³ees keÀe Je<e& ces SkeÀ yeej efvejer#eCe DeefOekeÀeefj³ees
kesÀ Üeje efvejer#eCe efkeÀ³ee peeSiee, pees heýebOe efveosMekeÀ ³ee keÀe³e&keÀejer efveosMekeÀ kesÀ efve³eb$eCe SJe osKejsKe ces keÀe³e& keÀjWies“~
Fme lejn efveiece kesÀ meYeer keÀe³ee&ue³ees keÀe efvejer#eCe nesvee JewOeeefvekeÀ heéJeOeevees kesÀ Devegmeej DeefveJee³e& nw Deewj efveiece kesÀ Yeejle ces eqmLele meYeer keÀe³ee&ue³ees keÀe
efJeÊeer³e Je<e& ces keÀce mes keÀce SkeÀ yeej efvejer#eCe nesiee ~
Je<e& 2017-18 kesÀ oewjeve efvejer#eCe ieefleefJeefOe kesÀ efue³es keWÀê efyevog efveiece kesÀ Üeje efo³es ieS efoMeeefveoxMees keÀe Mele heéfleMele heeueve keÀe jne~ heĆeeueer kesÀ oes<ees
keÀes jeskeÀves kesÀ he´Lece Ghee³e kesÀ ©he ces efveiece kesÀ meYeer keÀe³ee&ue³ees ces efvejer#eCe ieefleefJeefOe³ees keÀes meb®eeefuele efkeÀ³ee ie³ee Deewj 61.91… MeeKee keÀe³ee&ue³ees SJeb
57.52… ceC[ue keÀe³ee&ue³ees keÀes GlkegÀÿ ÞesCeer mecetn (yengle Glke=Àÿ, Glke=Àÿ SJeb GVe³eve Glke=Àÿ) ceW DeeBkeÀe ie³ee~ Jeee|<ekeÀ efvejer#eCe kesÀ Ghejeble veJe
J³eJemee³e meceeheve kesÀ yeeo 25… MeeKeeDeeW SJeb meYeer met#ce yeercee FkeÀeF&³eeW Deewj mJeemL³e yeercee FkeÀeF&³eeW keÀe efJeMes<e efvejer#eCe efkeÀ³ee ie³ee~ meYeer mJeCe&pe³ebleer
HeÀeT[sMeve heéspeskeÌìdme keÀe Yeer efvejer#eCe efkeÀ³ee ie³ee ~ efvejer#eCe ieefleefJeefOe³eeW kesÀ heefjCeeceeW kesÀ DeOeej hej peejer efvejer#eCe efjheesìeX keÀe efJeMues<eCe efkeÀ³ee ie³ee
leLee keÀ[s Devegheeueve nsleg keÀne ie³ee~ 99… efjheesìeX keÀes he³ee&hle hegeqäefkeÀjCe leLee hećeeCeerkeÀjCe kesÀ yeeo 31.03.2018 keÀes yebo efkeÀ³ee ie³ee~
(25) veJe J³eJemee³e SJeb hegveyeeacee

veJe J³eJemee³e SJeb hegveyeeacee efJeYeeie keÀe ue#³e, efJeefve³eecekeÀ {eb®es leLee efoMeeefveoxMeeW kesÀ lenle keÀe³e& keÀjles ngS, yeerceeuesKeve keÀe G®®elece o]pee& yeveeS jKevee
leLee efnleeefOekeÀeefj³eeW keÀes G®®e mesJeeSB heóeve keÀjvee nw~
yeerceeuesKeve hee@efuemeer

nceejer yees[& Devegceesefole yeerceeuesKeve veerefle ces GuuesefKele GÎsM³eeW keÀes O³eeve ces jKekeÀj, yeerceeuesKeve SkeÀ efJeJeskeÀhetCe& Deewj ieénkeÀesvcegKeer lejerkesÀ mes efkeÀ³ee peelee
nw~
%eeve / keÀewMeu³e GVe³eve

nceejs keÀe³ee&ue³e ces yeerceeuesKekeÀeW kesÀ %eeve / keÀewMeu³e GVe³eve keÀjves keÀer ¢eqä mes, yeerceeuesKekeÀeW keÀes efJeefYeVe mesceerveejeW, keÀe³e&MeeueeDeeW Deewj heéfMe#eCe me$eeW
ceW Yespee peelee nw~ kesÀvêer³e keÀe³ee&ue³e kesÀ yeerceeuesKekeÀeW keÀes hegveyeeacee kebÀheefve³ees leLee SmeesefmeSMeve Dee@HeÀ FbM³eesjbme Deb[jje³eìme& Üeje Dee³eesefpele mesceerveejeW
kesÀ efueS heéfMe#eCe nsleg veeefcele efkeÀ³ee peelee nw efpememes Gvns yeerceeuesKeve ceW veJeervelece efve³eceeW leLee he´Je=efÊe³eeW keÀer peevekeÀejer nes mekesÀ~
33
yeerceeuesKeve efoMeeefveoxMeeW ces mebMeesOeve

JeweféekeÀ heefjJele&ve kesÀ meeLe leeuecesue jKeles ngS, nceves yeerceeuesKeve efve³eceeW keÀer meceer#ee keÀer Deewj DeeJeM³ekeÀ he´leerle nesves hej ef®eefkeÀlmekeÀer³e Deewj efJeÊeer³e
yeerceeuesKeve efoMeeefveoxMeeW ceW leovegmeej ítì heóeve keÀer ieF&~
ef[efpeìue henue

veJe-J³eJemee³e keÀer heéf¬eÀ³ee keÀes mejue SJeb megiece yeveeves nsleg, lekeÀveerkeÀer GVeefle keÀes O³eeve ces jKeles ngS veJe-J³eJemee³e SJeb hegveyeeacee efJeYeeie Üeje efJeefYeVe
ef[efpeìue henue keÀer ieF& nw~
(26) meleke&Àlee :
Je<e& kesÀ oewjeve meleke&Àlee efJeYeeie Üeje nj mebYeJe he´³eeme efkeÀ³ee ie³ee efkeÀ efveiece kesÀ meYeer ieefleefJeefOe³eeW ceW keWÀêer³e meleke&Àlee Dee³eesie keÀe Leerce “My Vision –
Corruption Free India” keÀe heefjheeueve nes Deewj nj keÀe³e& ceW mebhetCe& heejoe|Melee nes ~ efJeefYeVe MeeKee keÀe³ee&ue³eeW ceW ieénkeÀ Deewj DeefYekeÀlee& kesÀ meYeeDees
keÀe Dee³eespeve efkeÀ³ee ie³ee efpemeces GvnW Fme Leerce ces GvekeÀer YetefcekeÀe kesÀ yeejs ceW DeJeiele keÀje³ee ie³ee~ efJeÐeeue³eeW Deewj keÀe@uespeeW kesÀ efJeÐeee|Le³eeW keÀes Fme
keÀe³e&¬eÀce ces Meeefceue efkeÀ³ee ie³ee~ yewþkeÀ kesÀ menYeeefie³eeW keÀes heéfle%ee efoueeF& ieF&~
FmekesÀ DeueeJee, meef¬eÀ³e efveJeejkeÀ meleke&Àlee Üeje J³eJemLee heĆeeueer kesÀ cegÎs, ³eefo keÀesF& nes, keÀer hen®eeve keÀj, GvekesÀ megOeej nsleg Ghee³e efkeÀS ieS~ uebefyele

meleke&Àlee ceeceueeW keÀes efveheìeS peeves nsleg efJeMes<e he´³eeme efkeÀ³es ie³es ~
(27) veeefcele efveosMekeÀ :

efveiece efJeefYeVe kebÀheefve³eeW kesÀ yees[& ceW, efpeveceW $eÝCe ³ee/Deewj F&eqkeÌJeìer kesÀ DeeOeej hej nceeje he³ee&hle Yeeieeroejer nw, efveosMekeÀeW keÀes veeceebefkeÀle keÀjlee nw ~ veeefcele
J³eefÊeÀ efveiece kesÀ mesJeejle DeLeJee mesJeeefveJe=Êe DeefOekeÀejer nesles nQ ~ veeefcele efveosMekeÀeW kesÀ ceeie&oMe&ve Je GvekesÀ keÀe³e& keÀer meceer#ee nsleg mecegef®ele J³eJemLee ceewpeto
nw ~ veeefcele efveosMekeÀeW keÀer efve³egefÊeÀ keÀer mece³e-mece³e hej meceer#ee keÀer peeleer nw ~ veeefcele efveosMekeÀ kebÀHeveer kesÀ Heefj®eeueve mecem³eeDeeW, mebYeeJeveeDeeW Je keÀe@
Heexjsì ieJevexvme ceevekeÀeW Deeefo kesÀ mebyebOe ceW peevekeÀejer GHeueyOe keÀjles nw~
(28) peesefKece heýevOeve :
SueDeeF&meer Yeejleer³e efJeÊeer³e yeepeejeW ceW meyemes yeæ[e mebmLeeiele efveJesMekeÀ nw~ FmekesÀ efJeMeeue ieHebÀ[ keÀes efJeefJeOeheefjmebheefÊe JeieeX kesÀ yeer®e DeeJebefìle efkeÀ³ee
peelee nw Deewj yeepeej peesefKece, $eÝCe peesefKece, y³eepe oj peesefKece, lejuelee peesefKece Deewj heéflehe#e peesefKece pewmes efJeefYeVe peesefKeceeW mes heÝeeefJele neslee nw~
efJeÊeer³e yeepeejeW ceW Fme lejn kesÀ efJeefJeOe efveJesMees mes GlheVe nesves Jeeues Fve peesefKeceeW keÀes ueieeleej efveiejeveer, ceeheves Deewj keÀce keÀjves kesÀ efueS SkeÀ cepeyetle
peesefKece heýebOeve mebj®evee keÀer DeeJeM³ekeÀlee nw~ efveJesMe peesefKeceeW keÀes efvejblej DeeOeej hej J³eJeeqmLele ªhe mes hen®eeveefkeÀ³ee peelee nw Deewj Fve peesefKeceeW keÀes
Jew%eeefvekeÀ lejerkesÀ mes mebyeesefOele keÀjves kesÀ efueS heéCeeefue³eeW Deewj heéf¬eÀ³eeDeeW keÀe efJekeÀeme efkeÀ³ee ie³ee nw leeefkeÀ ve kesÀJeue hee@efuemeerOeejkeÀeW keÀe HebÀ[ mebjef#ele
jns yeequkeÀ GvekeÀer Gef®ele heéfleHeÀue keÀer Gcceeros Yeer hetjer keÀer pee mekesÀ ~ efveiece peesefKece heýebOeve hej efvejblej mebieþveelcekeÀ O³eeve jKeves kesÀ efueS heéfleye× nw
Deewj peesefKece ¢eqäkeÀjCe,peesefKece he´Meemeve, peesefKece hen®eeve, peesefKece ceehe, peesefKece heýebOeve, peesefKece efveiejeveer Deewj peesefKece efjheese\ìie pewmes #es$eeW keÀe
meceeJesMeve keÀjves kesÀ efueS SkeÀ peesefKece heýebOeve veerefle efveiece kesÀ heeme nw~
efveJesMe meb®eeueve efJeYeeie keÀes heéLeefcekeÀ / efÜleer³ekeÀ FeqkeÌJeìer yeepeejeW ceW Gef®ele efveJesMe efveCe&³e uesves kesÀ efue³es me#ece yeveeves nsleg DeLe&J³eJemLee, J³eJemee³e #es$eeW
Deewj kebÀheefve³eeW kesÀ efJekeÀeme keÀes FeqkeÌJeìer efjme®e& efjheesì& kesÀ ceeO³ece mes ueieeleej DeO³e³eve efkeÀ³ee peelee nw~
(29) keÀe@heexjsì DeefYeMeemeve :
De®ís keÀe@heexjsì DeefYeMeemeve ceW efveÿe efveiece kesÀ J³eJemee³e DeeOeej kesÀ oMe&ve keÀe SkeÀ DeefYeVe Debie nw ~ De®ís keÀe@heexjsì DeefYeMeemeve keÀer heéf¬eÀ³eeDeeW
kesÀ mebmLeeveelcekeÀ he´®eueveeW kesÀ heerís ®eeuekeÀ yeue kesÀ ªhe ceW mejkeÀej, efveiece kesÀ keÀce&®eeefj³eeW leLee DeefYekeÀlee& yeue Deewj Ghe meefceefle De®íe keÀe@heexjsì
DeefYeMeemeve meYeer mlej hej cetu³eeOeeefjle veerefle³eeW Deewj keÀe³e&heĆeeefue³eeW kesÀ met$eerkeÀjCe kesÀ DeueeJee heefj®eeueveelcekeÀ heejoe|Melee, met®evee kesÀ Deeoeve-heóeve
leLee meYeer Mes³ejOeejkeÀeW kesÀ meeLe ueieeleej mebJeeo kesÀ efueS ncesMee he´sefjle keÀjlee nw ~ De®ís keÀe@heexjsì DeefYeMeemeve kesÀ efueS J³eJenej ves nceW Deheves yeéb[
FeqkeÌJeìer, mìskeÀnesu[j kesÀ efJeéeeme keÀer MeefÊeÀ keÀes yeæ{eves ceW meceLe& efkeÀ³ee nw SJeb mebmLee ceW SkeÀ mJemLe DeewÐeesefiekeÀ ceenewue keÀes yeveeS jKee nw ~ Deheves ieénkeÀ
kesÀ heéfle mebmLeeiele kesÀvêerkeÀjCe keÀer Je®eveye×lee SJeb GvekesÀ ³eesieoeve kesÀ HeÀuemJeªhe nceejs J³eJemee³e ceW efjkeÀe@[& Je=ef× ngF& ~ De®ís keÀe@heexjsì DeefYeMeemeve kesÀ
efvejblej he´³eemeeW ves peerJeve yeercee efveiece keÀes ieefleMeerue leLee peerJeble mebmLee yeveekeÀj heéfle³eesefielee kesÀ oyeeJe keÀe meecevee keÀjves ceW meceLe& efkeÀ³ee~
34
34
(30) yees[& keÀer yewþkeWÀ :

efJeefve³eceveeW kesÀ Devegmeej, nj efleceener ceW keÀce mes keÀce SkeÀ yees[& keÀer yewþkeÀ Dee³eesefpele keÀer peeveer ®eeefnS ~ ³eÐeefhe Je<e& kesÀ oewjeve 6 yees[& keÀer yewþkeWÀ ngF&~ yees[&
J³eJemLeeheve keÀer veerefleiele ceeceueeW kesÀ DeefleefjÊeÀ efveiece kesÀ efJekeÀeme, Glke=Àälee, keÀeheexjsì DeefYe³eeve leLee yeerceeOeejkeÀeW SJeb mìskeÀnesu[jeW kesÀ efnleeW keÀe
mebj#eCe nsleg heýebOeve keÀe oeef³elJe Deeefo kesÀ efueS ceeie&oMe&ve GheueyOe keÀjlee nw ~
peerJeve yeercee DeefOeefve³ece, 1956 keÀer Oeeje 19 kesÀ Devegmeej, keÀe³e&keÀejer meefceefle Deewj efveJesMe meefceefle yees[& Üeje ieefþle keÀer nw ~ DeeF&.Deej.[er.S.DeeF&. kesÀ
mebMeesefOele keÀeheexjsì efoMeeefveoxMe 2016 kesÀ Devegmeej yees[& keÀer meefceefle³eeb nw veecele: - DebkesÀ#eCe meefceefle, peesefKece heýebOeve meefceefle, hee@efuemeerOeejkeÀ mebj#eCe
meefceefle, ueeYe- meefnle meefceefle, [erSHeÀSme, efJeÊe ceb$eeue³e Joeje peejer heefjhe$e F.No-110112/01/2007-Ins III efoveebkeÀ 20 pegueeF&, 2007 kesÀ Devegmeej
heefjÞeefcekeÀ meefceefle keÀe ieþve efkeÀ³ee ie³ee nw ~ FmekesÀ DeueeJee YeJeve meueenkeÀej meefceefle,Mes³ejOeejkeÀ meefceefle, efJeueHegÀue ef[³eeHeÀe@ìj hej meceer#ee meefceefle
SJeb ÒeewOeesefiekeÀer meceer#ee meefceleer ieþve Yeer efkeÀ³ee ie³ee nw ~
(31) kesÀvêer³e heýevOeve meefceefle :

kesÀvêer³e heýebOeve meefceefle keÀer yewþkeWÀ nj ceen Dee³eesefpele keÀer peeleer nw efpemeceW efveiece kesÀ J³eJemee³e keÀer meceer#ee, ³eespeveeDeeW keÀe meb©heCe leLee keÀe³ee&vJe³eve
Deewj efJeefYeVe cenlJehetCe& ceeceueeW hej ®e®ee& keÀer peeleer nw ~ #es$eer³e heýebOekeÀ leLee kesÀvêer³e keÀe³ee&ue³e kesÀ efJeYeeieeO³e#e mebmLee mebyebOeer efJeefYeVe ceeceueeW hej efJe®eej
HeefJeceMe& keÀjles nw ~
(32) #es$eer³e meueenkeÀej yees[& :

he´l³eskeÀ #es$e kesÀ efueS #es$eer³e meueenkeÀej yees[& ieefþle efkeÀS ieS nw, pees #es$e keÀer meerceeDeeW kesÀ Yeerlej efveiece kesÀ mecegef®ele efJekeÀeme keÀes heÝeeefJele keÀjves Jeeues
meYeer ceeceueeW Deewj veerefle meceer#ee keÀjves, Gve hej ®e®ee& keÀjves leLee Gve hej Deheveer mebmlegefle osves kesÀ efueS me#ece nQ ~
(33) heeefuemeerOeejkeÀ heefj<eo :

ceC[ueeW ceW hee@efuemeerOeejkeÀeW keÀer heefj<eoW ieefþle keÀer ieF& nw ~ ceC[ue heýebOekeÀeW Üeje Yespes ieS meYeer ceeceueeW hej hee@efuemeer OeejkeÀeW keÀer heefj<eoW ®e®ee& keÀjleer nw ~
®e®ee& efkeÀS ieS cegÎeW ceW hee@efuemeer keÀer mesJee, yekeÀe³ee oeJes, ceC[ue ceW veJe J³eJemee³e keÀer heíeefle Deewj he´®eej ieefleefJeefOe³eeb Deeefo nQ ~
(34) peerJeve yeercee efveiece DeefOeefve³ece kesÀ Devleie&le efveoxMe :
Je<e& kesÀ oewjeve yeercee DeefOeefve³ece 1956 keÀer Oeeje 21 kesÀ Debleie&le Yeejle mejkeÀej mes keÀesF& efveoxMe heéhle veneR ngDee ~
(35) uesKee hejer#ekeÀ :

Yeejle mejkeÀej kesÀ hetJee&vegceesove mes ome HeÀeceeX keÀes Je<e& 2017-2018 kesÀ efueS JewOeeefvekeÀ uesKee hejer#ekeÀ efve³egÊeÀ efkeÀ³ee ie³ee ~ HeÀceeX kesÀ meePesoejeW kesÀ veece leLee
heles heefjefMeä II ceW oMee&S ieS nQ ~ (He=ÿ mebK³ee 70)
(36) efJeÊeer³e Je<e& 2018-19 kesÀ efueS ³eespevee :
efveiece keÀer efJeÊeer³e Je<e& 2018-19 kesÀ efueS veJe J³eJemee³e ces Je=ef× keÀer ³eespevee efvecveevegmeej nw:
efJeÊeer³e Je<e& 2018-19 kesÀ efueS yepeì
kegÀue hee@efueefme³eeb (keÀjesæ[ ces) 2.50
eEmeieue heérefce³ece (keÀjesæ[ ª. ces) 24,000
vee@ve eEmeieue heérefce³ece (keÀjesæ[ ª. ces) 19,000
kegÀue heérefce³ece (keÀjesæ[ ª. ces) 43,000
(37) efJeefJeOe keÀe³e&keÀueehe ieefleefJeefOe³eeb :
(keÀ) SueDeeF&meer neTeEmeie HeÀeFveWme efueefceìs[ :

SueDeeF&meer neGeEmeie HeÀeFveWme kesÀ cegbyeF& ceW eqmLele keÀejheesjsì keÀe³ee&ue³e kesÀ meeLe osMeYej ceW 9 #es$eer³e keÀe³ee&ue³e, 23 ye@keÀ keÀe³ee&ue³e Deewj 249
efJeheCeve kesÀvê Deewj 1 ieénkeÀ mesJee keWÀvê nQ~ kebÀheveer kesÀ heéfleefveOeer keÀe³ee&ue³e ogyeF& leLee kegÀJewle ceW Yeer nQ~ kebÀheveer kesÀ Mes³eme& cegbyeF& mìe@keÀ SkeÌme®eWpe
Deewj ve@Meveue mìe@keÀ SkeÌme®eWpe ceW efuemìs[ nQ leLee FmekesÀ iueesyeue ef[hee@efpeìjer Mes³eme& uekeÌpeceyeie& mìe@keÀ SkeÌme®eWpe ceW efuemìs[ nQ~ ef¬eÀefmeue
35
leLee kesÀ³ej Üeje kebÀheveer keÀes ÀAA’ ÞesCeer ceW jKee ie³ee nQ~ kebÀheveer kesÀ efHeÀkeÌm[ ef[hee@efpeì keÀe³e&¬eÀce keÀes ef¬eÀefmeue ves G®®elece ceeveob[ `FAAA
Stable’ ÞesCeer ceW jKee nQ~
Je<e& 2017-18 kesÀ efueS 5 Je<e& meerSpeerDeej

31.03.2018 keÀes yekeÀe³ee $eÝCe ` 1,66,362.86 keÀjesæ[ 15… 16…
2017-18 oewjeve kegÀue Dee³e ` 15,072.91 keÀjesæ[ 7… 13…
2017-18 kesÀ oewjeve Meg× ueeYejeMeer ` 1,989.59 keÀjesæ[ 3… 11…
31.03.2018 keÀes vesìJele& ` 12,690.72 keÀjesæ[ 15… 14…
ef[efJe[W[ 340…
SueDeeF&meer S®eSHeÀSue kesÀ³ej nescme efueefceìs[

SueDeeF&meer S®eSHeÀSue kesÀ³ej nescme efueefceìs[, SueDeeF&meer neTeEmeie HeÀeFveWme efueefceìs[ kesÀ hetCe&le: mJeeefcelJe keÀe mene³ekeÀ Ghe¬eÀce nw ~ FmekeÀer
mLeehevee ` 25 keÀjesæ[ kesÀ heéefOeke=Àle hetbpeer kesÀ meeLe 11 efmelecyej, 2001 keÀes keÀer ieF&~ kebÀheveer keÀer mLeehevee keÀe cetue GÎsM³e Jeefjÿ veeieefjkeÀeW kesÀ
efueS mene³ekeÀ meecegoeef³ekeÀ efjne³emeer kesÀvêeW keÀer mLeehevee SJeb he´®eeueve Lee ~
kebÀheveer ves efJeÊeer³e Je<e& 2017-18 ceW `144.63 ueeKe keÀe keÀj hetJe& ueeYe (heeryeerìer) leLee keÀj kesÀ yeeo ueeYe(heerSìer) ` 80.09 ueeKe Dee|pele efkeÀ³ee~
kebÀheveer ves efJeÊe Je<e& 2017-18 kesÀ efueS heéfle meeceev³e Mes³ej ` 0.10/- kesÀ ueeYeebMe keÀer mebmlegefle keÀer nw~
Jele&ceeve ceW kebÀheveer keÀe YegJeveséej ces SkeÀ heéps eskeÌì keÀe³ee&evq Jele nw Deewj Fme kesÀ peuo ner hetje nesves keÀer DeeMee nw~ kebÀheveer DeYeer ìeìe Jewu³et nesce efueefceìs[
kesÀ men³eesie mes cenejeä^ kesÀ þeCes efpeues ceW JemeeRo ceW SkeÀ ve³ee heéps eskeÌì heéjbYe keÀjves kesÀ efueS keÀece keÀj jner nw~ heéps eskeÌì heefj³eespevee mebyebeOf ele efJeYeeieeW
keÀer cebpetjer kesÀ DeOeerve nw~ kebÀheveer jepemLeeve kesÀ pe³ehegj efpeues kesÀ íeJej keÀe Jeeme ceW Jeefjÿ veeieefjkeÀ kesÀ³ej nesce heefj³eespevee efJekeÀefmele keÀjves kesÀ efueS
Yeer keÀece keÀj jner nw~ heéps eskeÌì heefj³eespevee mebyebeOf ele efJeYeeieeW keÀer cebpetjer kesÀ DeOeerve nw~ ®eeuet efJeÊe Je<e& kesÀ oewjeve kebÀheveer ves Jeefjÿ veeieefjkeÀ kesÀ³ej nesce
heéps eskeÌì efJekeÀefmele keÀjves kesÀ efueS DeuegJee, kesÀjue ceW SkeÀ YetKeb[ Kejeroe nw~ kebÀheveer jep³e peve meebeKq ³ekeÀer³e Deewj meebmke=ÀeflekeÀ mebYeeJeveeDeeW ceW ceebie,
he´®eefuele efve³eceeW Deewj efJeefve³eceeW hej efJe®eej keÀjves hej Ghe³egÊeÀ cee@[ue kesÀ Devegmeej heefj³eespevee efJekeÀefmele keÀjsieer~
kebÀheveer Yeesheeue Deewj nwojeyeeo ces Yeer veS heéspeskeÌì Megª keÀjves keÀer mebYeeJeveeDeeW keÀe DevJes<eCe keÀj jner nw~
peerJeve keÀer yeæ{leer Dehes#eeDeeW leLee Je<e&-oj-Je<e& ye=× veeieefjkeÀeW keÀer yeæ{leer mebK³ee kesÀ meeLe efveieefcele meeceeefpekeÀ oeef³elJe kesÀ cegK³e ue#³e keÀes hetje
keÀjves kesÀ efueS SueDeeF&meer leLee SueDeeF&meer S®eSHeÀSue kesÀ ¢eqäkeÀesCe keÀes O³eeve ceW jKeles ngS kebÀheveer efJekeÀemeesvcegKe heLe hej Deie´mej nw ~
(Ke ) Sue DeeF& meer c³et®³egDeue HeÀb[ Smesì cewvespeceWì keÀcheveer efueefceìs[:
SueDeeF&meer c³et®egDeue HebÀ[ (“c³et®egDeue HeÀb[“) keÀes 20.04.1989 keÀes Yeejleer³e ì^mì DeefOeefve³ece kesÀ heéJeOeeveeW kesÀ Devegmeej ì^mì DeefOeefve³ece kesÀ
heéJeOeeveeW kesÀ Devegmeej heé³eespekeÀ kesÀ ªhe ceW ieefþle efkeÀ³ee ie³ee nw, SueDeeF&meer c³et®egDeue HebÀ[ ì^mìer heéFJesì efueefceìs[ keÀes ì^mìer Deewj SueDeeF&meer
c³et®egDeue HebÀ[ Smesì cewvespeceWì efueefceìs[ SueDeeF&meer c³et®egDeue HebÀ[ kesÀ efueS efveJesMe heýebOekeÀ kesÀ ªhe ceW ~ SueDeeF&meer c³et®egDeue HebÀ[ Smesì
cewvespeceWì kesÀ Mes³ejOeejkeÀ SueDeeF&meer Dee@HeÀ Fbef[³ee, SueDeeF&meer neGeEmeie HeÀeFveWme efueefceìs[, peerDeeF&meer neGeEmeie HeÀeFveWme efueefceìs[ Deewj
keÀe@heexjsMeve yeQkeÀ nQ~
31 cee®e&, 2018 lekeÀ SueDeeF&meer c³et®egDeue HebÀ[ 25 ³eespeveeDeeW keÀe heýebOeve keÀj jne Lee ~ Je<e& 2017-18 kesÀ oewjeve, SScemeer ves meYeer ueeFJe ³eespeveeDeeW
mes ` 4,43,680 keÀjes[ æ keÀer mekeÀue efye¬eÀer keÀes SkeÀef$ele efkeÀ³ee nw~ 31.03.2018 keÀes efveJesMekeÀeW keÀer kegÀue mebK³ee 3,30,901 Leer~ heýebOeve (SS³etSce) kesÀ
lenle Deewmele mebheefÊe 2017-18 keÀer Debelf ece efleceener kesÀ efueS ` 20,118 keÀjes[ Leer Deewj ³en SS³etSce kesÀ ceeceues ceW 17 JeW mLeeve hej Leer~
212 efveJesMekeÀ mesJee kesÀvêeW, 23 #es$e keÀe³ee&ue³eeW leLee 132 mes DeefOekeÀ mesume ìerce kesÀ mecemle vesìJeke&À kesÀ meeLe SueDeeF&meer c³eg®egDeue HebÀ[, osMe
kesÀ keÀesves-keÀesves ceW 200 mes DeefOekeÀ mLeeveeW ceW ceewpeto nw~ SueDeeF&meer c³eg®egDeue HebÀ[ ceW DeeF&SHeÀS, jeäêr³e efJelejkeÀ, mecheefÊe heýebOeve oue, yeQkeÀ
leLee hećegKe J³eeheej YeeieeroejeW meefnle meyemes J³eehekeÀ efJelejCe vesìJekeÀeX ceW mes SkeÀ nw~
SueDeeF&meer c³eg®egDeue HebÀ[ ceW ’S Heer Heer Sme“ (Dee@ìes heérefce³ece hesceWì efmemìce) veecekeÀ SkeÀ DeefYeveJe Glheeo megefJeOee nw efpemekesÀ Debleie&le ieénkeÀ
Deheves hewmes keÀes lejue ³ee DeuhekeÀeefuekeÀ ³eespeveeDeeW ceW efveJesMe keÀj mekeÀles nQ Deewj GvekesÀ SueDeeF&meer heérefce³ece keÀes c³eg®egDeue HebÀ[ Keeles mes Yegieleeve
efkeÀ³ee peelee nw~ ³en efJeefMeä megefJeOee Fme mebhetCe& GÐeesie ceW kesÀJeue SueDeeF&meer c³eg®egDeue HebÀ[ Üeje he´mlegle keÀje³ee ie³ee nw ~ Fmeer he´keÀej,
SueDeeF&meer c³eg®egDeue HebÀ[ SueDeeF&meer SceSHeÀ peerSmeF&meer ueebie ìce& F&ìerSHeÀ kesÀ meeLe $eÝCe mLeeve ceW F&ìerSHeÀ keÀer hesMekeÀMe keÀjves Jeeues henues
36
36
c³eg®egDeue HebÀ[ ceW mes SkeÀ nw~ ³en Glheeo Kegoje efveJesMekeÀeW keÀes íesìs efìkeÀì meeF&pe kesÀ meeLe, heéflemheOee&lcekeÀ ueeiele hej, peerSmeF&meer ceW efveJesMe
keÀjves keÀer megefJeOee heóeve keÀjlee nw~
(ie) SueDeeF&meer heWMeve HebÀ[ efueefceìs[ :

SueDeeF&meer heWMeve HebÀ[ efueefceìs[ Yeejleer³e peerJeve yeercee efveiece kesÀ Üeje heé³eesefpele kebÀheveer nw pees efkeÀ 1 peveJejer 2004 kesÀ he½eele kesÀvê mejkeÀej ces
Yeleea keÀce&®eeefj³eeW kesÀ efue³es (meMem$e yeueeW keÀes íes[keÀj) heWMeve efveefOe efJeefve³eecekeÀ SJeb efJekeÀeme heéefOekeÀjCe kesÀ Üeje heéjbYe keÀer ieF& heWMeve ³eespevee
ceW efveefOe³eeW kesÀ heýebOeve keÀe keÀe³e& keÀjleer nw~ ³en ³eespevee jep³e mejkeÀej kesÀ keÀce&®eeefj³eeW kesÀ efue³es mebyebefOele jep³eeW Üeje Dehevee³es peeves hej ueeiet
nesieer ~
SueDeeF&meer heWMeve HebÀ[ efue. SkeÀ efveefOe heýebOeve kebÀheveer nw, pees efkeÀ vesMeveue heWMeve ³eespevee keÀer mejkeÀej Üeje efveOee&efjle heeb®e efveJesMe ³eespeveeDees

keÀe heýebOeve keÀjleer nw :-
a) 02.04.2008 mes kesÀvê mejkeÀej ³eespevee (kesÀvê mejkeÀej kesÀ keÀce&®eeefj³eeW kesÀ efue³es)
b) 25.06.2009 mes jep³e mejkeÀej ³eespevee (jep³e mejkeÀej kesÀ keÀce&®eeefj³eeW kesÀ efue³es)
c) 04.10.2010 mes Sve. heer. Sme ueeF&ì (Govt. Pattern)
d) 04.11.2012 mes keÀesheexjsì ³eespevee (Corporate CG) Deewj
e) 01.06.2015 mes Deìue heWMeve ³eespevee (APY)
efJeÊeer³e Je<e& 2013-14 kesÀ oewjeve SueDeeF&meer heWMeve HebÀ[ efueefceìs[ ves efvepeer #es$e keÀer heWMeve efveefOe³ees kesÀ yevOe J³eJemee³e keÀjves keÀer mJeerke=Àefle ÒeeHle ngF& ~

efvepeer #es$e kesÀ Debleie&le Deeþ ³eespeveeDeeW keÀe heýevOeve efkeÀ³ee peelee nw pewmes keÀer F& efì³ej - I, meer efì³ej - I, peer efì³ej – I, F& efì³ej - II, meer efì³ej – II, peer
efì³ej –II, S efì³ej – I Deewj S efì³ej – II (efoveebkeÀ 10.10.2016 keÀes peejer keÀer ie³eer nw)~ efì³ej – I ³eespeveeDeeW kesÀ Debleie&le heWMeve efveOeer mesJeeefveJe=efÊe kesÀ
he½eele ner efvekeÀeueer pee mekeÀleer nw, peye efkeÀ efì³ej - II ³eespeveeDeeW ceW nj meeue efveOeer efvekeÀeueves keÀer megefJeOee nw~ kegÀue efceueekeÀj Sue Dee³e meer heWMeve HebÀ[
efueefceìs[ 13 ³eespeveeDeeW keÀe heýebOeve keÀjleer nw ~ yeeo ceW S efì³ej - II, 8 ceF&, 2017 mes heÝeeJeer ªhe mes Jeeheme ues ueer ieF& ~
efJeleer³e Je<e& 2017-2018 kesÀ oewjeve SueDeeF&meer heWMeve HebÀ[ efueefceìs[ ves 13 ³eespeveeDeeW ceW efceueekeÀj ` 14,123.10 keÀjesæ[ keÀer jeefMe efveefOe kesÀ ©he ceW

heéhle keÀer ~ 31 cee®e& 2017 keÀes heýebOe kesÀ DeOeerve heefjmebheleer keÀe ³eesie (AUM) ` 52,709.26 keÀjes[ Lee pees 31.03.2018 ceW ye{keÀj ` 70,130.26
keÀjesæ[ nes ie³ee nw ~ GhejesÊeÀ heefjmebheleer kesÀ ³eesie mes ` 69,175.72 keÀjesæ[ heeb®e mejkeÀejer ³eespeveeDeeW kesÀ Debleie&le Deewj ` 954.54 keÀjesæ[ efvepeer
#es$e keÀer Deeþ ³eespeveDeeW kesÀ Debleie&le heýebefOele nw~
heýebOe kesÀ DeOeerve heefjmebheleer kesÀ ³eesie (AUM) ceW ye{eslejer SJeb heóle hetbpeer hej y³eepe keÀer Dee³e ye{ves mes Sue.DeeF&.meer. heWMeve HebÀ[ keÀer kegÀue Dee³e
ieÊe efJeÊeer³e Je<e& 2016-2017 kesÀ `7.99 keÀjesæ[ mes ye{keÀj Je<e& 2017-18 ces ` 9.75 keÀjesæ[ nes ieF& nw~ efJeÊeer³e Je<e& 2017-2018 ces kebÀheveer keÀe
Meg× ueeYe ` 1.31 keÀjesæ[ jne nw~ SueDeeF&meer heWMeve HebÀ[ efueefceìs[ keÀes efJeÊeer³e Je<e& 2017-18 kesÀ efueS ceveer ìg[s Üeje, mejkeÀejer he´leerYetleer ÞesCeer
kesÀ lenle èfo yesmì hejHeÀe@e\ceie HebÀ[' mes mecceeefvele efkeÀ³ee ie³ee nw~
31.03.2018 keÀes SueDeeF&meer heWMeve HebÀ[ keÀer ³eespeveeDeeW keÀe vesì Smesì Jewu³et (Net Asset value) leLee mLeehevee kesÀ yeeo mes Jeehemeer keÀer oj

Fme he´keÀej Leer:
¬eÀ. ³eespeveeSb vesì Smesì Jewu³et (Net Asset mLeehevee kesÀ yeeo mes heéfleHeÀue keÀer oj (%)
value) ®e¬eÀJe=ef× Jeee|<ekeÀ Je=ef× oj (CAGR)
1. kesÀvê mejkeÀej ³eespevee 25.3839 9.76
2. jep³e mejkeÀej ³eespevee 22.6816 9.79
3. Sve. heer. Sme ueeF&ì 20.8934 10.33
4. keÀesheexjsì meer peer 16.6773 9.93
5. Deìue heWMeve ³eespevee 12.8478 9.28
6. F& efì³ej – I 17.5057 12.68
7. meer efì³ej – I 16.0308 10.59
37
¬eÀ. ³eespeveeSb vesì Smesì Jewu³et (Net Asset mLeehevee kesÀ yeeo mes heéfleHeÀue keÀer oj (%)
value) ®e¬eÀJe=ef× Jeee|<ekeÀ Je=ef× oj (CAGR)
8. peer efì³ej – I 16.3945 11.12
9. F& efì³ej – II 14.6202 8.54
10. meer efì³ej – II 15.0212 9.17
11. peer efì³ej – II 16.3477 11.19
12. S- efì³ej – I 10.9393 6.33
Sve. heer. Sme. keÀer ³eespevee ceW J³eefÊeÀiele ©he mes efveJesMe keÀer ieF& jeefMe hej FvekeÀce ìskeÌme SkeÌì kesÀ Oeeje 80CCD(1b) kesÀ Debleie&le ` 50,000
lekeÀ kesÀ DeefOekeÀlece keÀj ceW ítì oer ieF& nw~ ³en ítì heéhle kegÀue ` 1,50,000/- keÀer Oeeje 80C kesÀ Debleie&le mecesefkeÀle keÀj ítì kesÀ DeefleefjÊeÀ nw~
SveheerSme (heefjhekeÌJelee hej) mes efvekeÀemeer kegÀue mebef®ele keÀes<e jeefMe keÀe 40… lekeÀ keÀj-cegÊeÀ nw~
SveheerSme kesÀ yeejs ceW peeieªkeÀlee yeæ{ves kesÀ keÀejCe YeefJe<³e ceW Deewj S³etSce Deeies yeæ{ves keÀer Gcceero nw~
(Ie) Sue DeeF& meer keÀe[&me mee|Jemes]pe efueefceìs[ :

Sue.DeeF&.meer.keÀe[&me mee|Jemespe efueefceìs[ pees efkeÀ Yeejleer³e peerJeve yeercee efveiece kesÀ hetCe& mJeeefcelJe Jeeueer mene³ekeÀ keÀcheveer nw, keÀer mLeehevee
11 veJecyej 2008 keÀes ngF& efpemekeÀer hetbpeer ` 1 keÀjesæ[ nw ~ Fme keÀcheveer keÀe GÎsM³e Sue.DeeF&.meer. kesÀ keÀce&®eeefj³eeW, keÌueye cescyej DeefYekeÀlee&DeeW SJeb
hee@efuemeer OeejkeÀeW keÀes ¬esÀef[ì keÀe[& mesJee heóeve keÀjvee nw ~ Jele&ceeve ceW Sue.DeeF&.meer. keÀe[&me mee|Jemespe efueefceìs[ Yeejleer³e peerJeve yeercee efveiece
kesÀ meYeer ceb[uees ceW keÀe³e&jle nw~ Fme keÀcheveer kesÀ #es$eer³e keÀe³ee&ue³e Denceoeyeeo, yeWieueg©, efouueer,®esVew, nwojeyeeo, keÀesuekeÀelee leLee cegcyeF& ceW
eqmLele nQ ~ DeefOekeÀlece ueesieeW lekeÀ hengb®eves kesÀ efue³es Je<e& 2017-18 lekeÀ 59 Menjer efJe¬eÀ³e heýebOekeÀ SJeb 7782 efJe¬eÀ³e heéfleefveefOe yeveeS ieS ~
Jele&ceeve ceW keÀcheveer ves keÀes-yeéb[s[/ JneFì uesyeue heýebOe kesÀ lenle ¬esÀef[ì keÀe[& peejer keÀjves kesÀ efueS SeqkeÌmeme yeQkeÀ leLee keÀe@jheesjsMeve yeQkeÀ kesÀ
meeLe keÀjej efkeÀ³ee nw ~ Sue.DeeF&.meer. keÀe[&me mee|Jemespe efueefceìs[ keÀF& DeekeÀ<e&keÀ ueeYeeW kesÀ meeLe ¬esÀef[ì keÀe[& Dee@HeÀj keÀjlee nw ~ ³es keÀe[&
’ef®eHe SJeb efHeve“ efJeMes<elee³egÊeÀ nQ, pees efkeÀ keÀe[& OeejkeÀeW keÀes keÀe[& mes mecyebefOele DeefOekeÀlece megj#ee megefveeq½ele keÀjles nw ~ ³es ¬esÀef[ì keÀe[& efyevee
efkeÀmeer Meg©Deeleer MegukeÀ, Jeee|<ekeÀ MegukeÀ leLee veJeerveerkeÀjCe MegukeÀ kesÀ peejer efkeÀ³es peeles nQ ~ Sue.DeeF&.meer. heérefce³ece kesÀ Yegieleeve nsleg Sue.DeeF&.
meer.¬esÀef[ì keÀe[& Deheves ieénkeÀeW keÀes megefJeOeepevekeÀ SJeb JewkeÀequhekeÀ ceeO³ece heóeve keÀjlee nw ~ efJeÊeer³e Je<e& 2017-18 kesÀ oewjeve Fme keÀcheveer ves
SueDeeF&meer kesÀ keÀce&®eejer, SpeWì, mene³ekeÀ kebÀheefve³eeW Deewj mecetn yeercee ceemìj hee@efuemeerOeejkeÀes keÀes Ghenej keÀe[& peejer efkeÀ³es nw ~
Fme keÀcheveer ves 31.03.2018 ¬esÀef[ì keÀe[& heesì&HeÀesefue³ees 2,06,681 hengb®ee³ee nw ~ efJeÊeer³e Je<e& 2017-18 kesÀ oewjeve, kebÀheveer ves 35,951 ¬esÀef[ì
keÀe[& peejer efkeÀS nQ Deewj ` 51.44 ueeKe (DeveDeesef[ìs[) kesÀ Meg× ueeYe Dee|pele efkeÀS nQ ~
(38) DeeYeej heóMe&ve:

Yeejleer³e peerJeve yeercee efveiece, Deheves keÀe³ee&ue³eeW ceW oewjs Hej Dee³eer efJeefYeVe mebmeoer³e meefceefle³eeW, kesÀvêer³e efJeÊe ceb$eer (J³e³e, yeweEkeÀie SJeb yeercee), kesÀvêer³e efJeÊe
jep³eceb$eer, efJeÊe ceb$eeue³e kesÀ yeercee efJeYeeie, Deee|LekeÀ keÀe³e& efJeYeeie SJeb Yeejleer³e yeercee efJeefve³eecekeÀ efJekeÀeme heéefOekeÀjCe keÀes efJeefYeVe cegÎeW hej GvekesÀ meef¬eÀ³e
meceLe&ve, meueen SJeb men³eesie kesÀ efueS nee|okeÀ Oev³eJeeo %eeefhele keÀjlee nw ~
Yeejleer³e peerJeve yeercee efveiece, yees[& kesÀ meom³eeW, keÀe³e&keÀejer meefceefle, efveJesMe meefceefle, YeJeve meueenkeÀej meefceefle, uesKee hejer#eCe meefceefle, hee@efuemeerOeejkeÀ
mebj#eCe meefceefle, peesefKece heýebOeve meefceefle, Mes³ejOeejkeÀ efveosMekeÀ ®egveeJe meefceefle, efJeuHegÀue ef[HeÀeuìj meceer#ee meefceefle SJeb HeefjÞeefcekeÀ meefceefle kesÀ heéfle
ke=Àle%e nw, efpevneWves Decetu³e efoMee-efveoxMe SJeb ceeie&oMe&ve efo³ee~
efJeÊeer³e Je<e& 2017-18 kesÀ oewjeve efpeve yees[& kesÀ meom³eeW keÀe keÀe³e&keÀeue meceeHle ngDee nw, Yeejleer³e peerJeve yeercee efveiece GvekesÀ ³eesieoeve keÀer mejenvee keÀjlee
nw Deewj efveÿeHetJe&keÀ Oev³eJeeo J³ekeÌle keÀjlee nw~
Yeejleer³e peerJeve yeercee efveiece Deheves ueeKeeW heeefuemeerOeejkeÀeW kesÀ heéfle Yeer ke=Àle%elee J³eÊeÀ keÀjlee nw, efpevneWves nce hej hegve: Yejesmee efkeÀ³ee leLee mebieþve keÀes
Dehevee meceLe&ve peejer jKee ~
efveiece kesÀ mecemle DeefOekeÀeefjieCe, keÀce&®eejerieCe SJeb DeefYekeÀlee&ieCe efpevneWves mebmLee kesÀ efJekeÀeme leLee íefye keÀer mebJe=eqOo ceW Dehevee ³eesieoeve efo³ee nw, he´Mebmee
kesÀ hee$e nQ ~
38
38
HeefjCeeceeW keÀe meejebMe

veJe J³eJemee³e 2017-2018 2016-2017
Je<e& kesÀ oewjeve (` keÀjesæ[ ceW) (` keÀjesæ[ ceW)
J³eeqkeÌleiele yeercee
yeercee Oeve/SvemeerDees/Sce Sme yeer
keÀ) yeerces 532897.48 472947.11
Ke) Jeeef<ee|keÀ³eeB* 0.00 0.00
ie) HeWMeve* 562.10 867.73
Ie) iewj mebye× mJeemLe*** 14959.65 3013.26
*) mebye× 796.45 191.18
Hee@efuemeer³eeW keÀer mebK³ee (ueeKe ceW)
keÀ) yeerces 207.27 196.18
Ke) Jeeef<ee|keÀ³eeB 3.64 3.48
ie) HeWMeve 0.11 0.17
Ie) iewj mebye× mJeemL³e 2.00 1.30
*) mebye× 0.24 0.04
mecetn ³eespeveeSB
yeercee Oeve (mebye× J³eJemee³e meefnlee) 683601.4 195318.27
Jeeef<ee|keÀ³eeB keÀe Yegieleeve 789.38 721.09
Jeeef<ee|keÀ³eeW kes efueS ÒeefleHeue # 47421.94 46545.87
³eespeveeDeeW keÀer mebK³ee
mecetn yeercee (mebJeeo J³eJemee³e mebefnle) 26357 23201
meeceeefpekeÀ megj#ee mecetn ³eespeveeSB 892 4812
mecetn mesJeeefveJe=efÊe 229 245
peerJeveeW keÀer mebK³ee (ueeKe ceW)
mecetn yeercee (mebye× J³eJemee³e meefnle) 227.99 298.34
mecetn yeercee meecefpekeÀ megj#ee mecetn ³eespeveeSB 373.16 229.65
mecetn mesJeeefveJe=eflle 4.27 3.75
®eeuet J³eJemee³e
Je<e& keÀer meceeefHle Hej
yeercee Oeve SJeb yeesveme / SHeerSs / Sce Sme yee
keÀ) yeerces 4985706.55 4635984.80
Ke) Jeeef<ee|keÀ³eeB* 4046.96 2743.04
ie) HeWMeve* 2036.48 1899.26
Ie) iewj mebye× mJeemL³e*** 22224.98 9989.01
*) mebye× 42823.00 47970.01
Hee@efuemeer³eeW keÀer mebK³ee (ueeKe ceW)
keÀ) yeerces 2823.52 2807.55
Ke) Jeeef<ee|keÀ³eeB 15.04 11.46
ie) HeWMeve 15.65 15.89
Ie) iewj mebye× mJeemL³e 4.62 3.89
*) mebye× 53.92 66.43
mecetn ³eespeveeSB
yeercee Oeve (mebye× J³eJemee³e meefnle) 1689088.82 1107659.78
Jeeef<ee|keÀ³eeB keÀe Yegieleeve 6053.71 5267.48
Jeeef<ee|keÀ³eeB kesÀ efueS ÒeefleHeÀue # 276649.71 231563.41
³eespeveeDeeW keÀer mebK³ee
mecetn yeercee (mebyeOo J³eJemee³e mebefnle) 138013 138105
mecetn mesJeeefveJe=efle 22938 22413
peerJeveeW keÀer mebK³ee (ueeKe ceW)
mecetn yeercee (mebye× J³eJemee³e meefnle) 1091.95 1072.83
mecetn mesJeeefveJe=eflle 86.63 72.91
*Sve meer Dees Jesu³et - veesMeveue ke@ÀMe Dee@HMeve, **S Heer S Jesu³et - ÒeefleJe<e& Jeeef<ee|keÀ³eeB, ***Sce Sme yeer - cespej meefpe&keÀue yesefveefHeÀì # ³en jkeÀce YeefJe<³e Jeeef<ee|keÀ³eeB kesÀ efueS GHeueyOe nw
39
Dee³e keÀe efJeMues<eCe

(` keÀjesæ[ ceW)
227023
J³eefkeÌleiele yeercee 212404
759
J³eefkeÌleiele HesMevme ³eespevee 812
89192
mecetn ³eespevee 85981
877
efuebkeÌ[ J³eJemee³e Òeerefce³ece 1000
182096
efveJesMe mes Dee³e 164015
27433
efJeefJeOe
20862
Gef®ele cetu³e ceW yeoueeJe kesÀ ®eueles Devlej -3769

efuebkeÌ[ J³eJemee³e (³etefveì HebÀ[) 7553
-20000 0 20000 40000 60000 80000 100000 120000 140000 160000 180000 200000 220000 240000
2017-18 2016-17
HeefjCeeceeW keÀe meejebMe (peejer)

Dee³e 2017-2018 2016-2017
(` keÀjesæ[ ceW) (` keÀjesæ[ ceW)
ÒeLece Je<eea³e Òeerefce³ece 25098.37 22176.08
efHeíues Je<e& Hej ÒeefleMele Je=ef× 13.18 10.55
HejJeleer& Òeerefce³ece 175269.54 166729.73
SkeÀue Òeerefce³ece SJeb cebpetj Jeeef<ee|keÀ³eeW kesÀ efueS ÒeefleHeÀue 26655.09 23497.92
J³eefkeÌleiele HeWMeve ³eespeveeSB
ÒeLece Je<eea³e Òeerefce³ece 29.88 43.60
cebpetj Jeeef<ee|keÀ³eeW kesÀ efueS ÒeefleHeÀue 16.60 19.61
mecetn ³eespeveeSB
mecetn yeercee Òeerefce³ece 31010.28 28192.25
mecetn mesJee - efveJe=Êeer Òeerefce³ece 58181.46 57788.39
mebyebOo J³eJemee³e Òeerefce³ece 877.06 1000.47
kegÀue efÒeceer³ece Dee³e 317850.99 300196.69
efHeíues Je<e& Hej ÒeefleMele Je=ef×
efveJesMeeW mes Dee³e 182095.99 164014.97
efJeefJeOe 27433.11 20862.17
kegÀue Dee³e 527380.09 485073.83
Gef®ele cetu³e ceW yeoueeJe kesÀ ®eueles Deblej (³egefveì HebÀ[) -3768.98 7552.78
Meg× kegÀue Dee³e 523611.11 492626.61
veesì: *efHeíues Je<e& kesÀ DeeBkeÀæ[eW keÀes DeeJeM³ekeÀlee Devegmeej Hegve: mebûeefnle efkeÀ³ee ie³ee nw~
40
40
Hee@efuemeer YegieleeDeeW keÀe efJeJejCe

(` keÀjesæ[ ceW)
140000
122643
120000
102065
100000
2017-2018
2016-2017
80000
60000 52326
45237
40000
20000 14386 13439

8764 6883
0
HeefjHekeÌJelee oeJes ce=l³eg oeJes ÒeyebOeve J³e³e keÀe efJeJejCeJeeef<e&efkeÀ³eeB DeY³eHe&Ce
(` keÀjesæ[ ceW)
ÒeyebOeve J³e³e keÀe efJeJejCe

(` keÀjesæ[ ceW)
25000
21082 20629
2017-2018
20000
18227 2016-2017
16590
15000 14015
11090
10000 9060
8315
5000
2422 2200
0
DeefYekeÀlee&DeeW keÀe keÀce&®eeefj³eeW keÀe Dev³e ÒeyebOeve J³e³e Dev³e J³e³e(keÀj meb®e³e ceW keWÀê mejkeÀej keÀes
keÀefceMeve Deeefo Jesleve SJeb Dev³e ueeYe DeblejCe Deeefo) (5… cetu³eve keÀe DeefOeMes<e)

J³e³e 2017-2018 2016-2017
yeercee OeejkeÀeW keÀes Yegieleeve
HeefjHekeÌJelee oeJes 122643.3 102065.3
ce=l³et oeJes 14385.6 13438.84
Jeeef<e&efkeÀ³eeB (jeefMe) 8764.46 6882.69
DeY³ebHeCe& Deeefo (jeefMe) 52326.47 45237.44
kegÀue jeefMe 198119.83 167624.27
41

ÒeyebOeve J³e³e 2017-2018 2016-2017
DeefYekeÀlee&DeeW keÀes keÀceerMeve Deeefo 18226.82 16590.07

keÀce&®eeefj³eeW keÀes Jesleve leLee Dev³e ueeYe 21081.97 20629.37
Dev³e ÒeyebOeve J³e³e 9060.42 8315.28
kegÀue 48369.21 45534.72
Dev³e J³e³e
Dev³e J³e³e (keÀj, meb®e³e keÀes DevlejCe, Deeefo) 14015.19 11090.06
kesÀvê mejkeÀej keÀes ÒeoÊe cetu³eve DeefOeMes<e keÀe 5 ÒeefleMele 2421.82 2200.33
kegÀue 16437.01 13290.39

kegÀue J³e³e 262926.05 226449.38
* efHeíues Je<e& kesÀ DeebkeÀ[es keÀes DeeJeM³ekeÀlee Devegmeej SkeÀef$ele efkeÀ³ee ie³ee nw~
Hee@efuemeer os³eleeSb 2017-2018 2016-2017

Demebye× J³eJemee³e
Je<e& kesÀ ÒeejcYe ceW Hee@efuemeer os³eleeSb 2263289.12 1998641.65
pees[ : J³eJe mes Dee³e keÀe DeeefOekeÌ³e 270275.53 264647.42
Je<e& kesÀ Devle ceW Hee@efuemeer os³elee 2533564.65 2263289.12
efHeíues Je<e& Hej ÒeefleMele Je=×er 11.94% 13.24%
mebye× J³eJemee³e
Je<e& kesÀ ÒeejcYe ceW Hee@efuemeer os³eleeSb 60512.33 58983.62
pees[ : J³eJe mes Dee³e keÀe DeeefOekeÌ³e -9592.06 1529.71
Je<e& kesÀ Devle ceW Hee@efuemeer os³elee 50920.27 60513.33
efHeíues Je<e& Hej ÒeefleMele Je=×er -15.85% 2.59%
Je<e& keÀer meceeefHle Hej yekeÀe³ee oeJes 2017-2018 2016-2017

HeefjHekeÌJelee 3141.64 1572.78
ce=l³et 95.91 202.53
kegÀue 3237.55 1775.31
ÒeyebOeve J³e³e keÀe kegÀue Òeerefce³ece Dee³e mes DevegHeele

DeefYekeÀlee&DeeW keÀes keÀefceMeve Deeefo 5.74% 5.53%
keÀce&®eeefj³eeW keÀe Jesleve leLee Dev³e ueeYe 6.63% 6.87%
ÒeyebOeve kesÀ Dev³e J³e³e 2.85% 2.77%
mekeÀue J³e³e DevegHeele 15.21% 15.17%
yekeÀe³ee oeJeeW keÀe os³e oeJeeW mes DevegHeele 2.36 1.54

Deewmele peerJeve yeercee efveefOe Hej ÒeeHle y³eepe keÀer oj 7.71 7.78
42
42
veJe J³eJemee³e 2015-16 mes 2017-18
Policies
Hee@efuemeer³eeB
(in crore)
(` keÀjes æ[ ceW)
2.5
2.13
2.05 2.01
1.5
2015-2016 2016-2017 2017-2018
SumyeerAssured/NCO
cee Oeve / SvemeerDees Annual Premium
Jeeef<e&keÀ Òeerefce³eceReceivable
ÒeeH³e
(`(ìnkeÀjes
crore)
æ[ ceW) (`(ìnkeÀjes
crore)æ[ ceW)
549216 27837
600000 459297 477019 30000
550000
500000 24747
450000
400000 25000 22313
350000
300000
250000
200000 20000
150000
100000
50000
0 15000
2015-2016 2016-2017 2017-2018 2015-2016 2016-2017 2017-2018
meejCeer veb 1 S veJe J³eJemee³e (J³eeqkeÌleiele)

Yeejle ceW J³eJemee³e Yeejle kesÀ yeenj J³eJemee³e kegÀue veJe J³eJemee³e
Je<e& Hee@efuemeer³eeW yeercee Oeve/ ÒeeHle Jeeef<e&keÀ Hee@efuemeer³eeW yeercee Oeve/ ÒeeHle Jeeef<e&keÀ Hee@efuemeer³eeW yeercee Oeve/ ÒeeHle Jeeef<e&keÀ
keÀer mebK³ee SvemeerDees/ Òeerefce³ece keÀer mebK³ee SvemeerDees/ Òeerefce³ece keÀer mebK³ee SvemeerDees/ Òeerefce³ece
SHeerS (` keÀjes[ ceW) SHeerS (` keÀjes[ ceW) SHeerS (` keÀjes[ ceW)
(` keÀjes[ ceW) (` keÀjes[ ceW) (` keÀjes[ ceW)
2015-2016 20223893 453545.36 22105.97 13035 749.68 38.30 20236928 454295.04 22144.27
2016-2017 19603332 472122.09 24532.43 14378 825.02 41.18 19617710 472947.11 24573.60
2017-2018 20711779 531992.11 27579.78 15376 905.37 47.11 20727155 532897.48 27626.90
meeceev³e Jeeef<e&keÀer
2015-2016 103852 0.00 0.00 - - - 103852 0.00 0.00
2016-2017 348251 0.00 0.00 - - - 348251 0.00 0.00
2017-2018 363756 0.00 0.00 - - - 363756 0.00 0.00
43
meejCeer veb 1 S veJe J³eJemee³e (J³eeqkeÌleiele)(peejer)

Yeejle ceW J³eJemee³e Yeejle kesÀ yeenj J³eJemee³e kegÀue veJe J³eJemee³e
keÀer mebK³ee SvemeerDees/ Òeerefce³ece keÀer mebK³ee SvemeerDees/ Òeerefce³ece keÀer mebK³ee SvemeerDees/ Òeerefce³ece
SHeerS (` keÀjes[ ceW) SHeerS (` keÀjes[ ceW) SHeerS (` keÀjes[ ceW)
(` keÀjes[ ceW) (` keÀjes[ ceW) (` keÀjes[ ceW)
HesvMeve
2015-2016 24206 1098.69 58.96 - - - 24206 1098.69 58.96
2016-2017 17258 867.73 93.07 - - - 17258 867.73 93.07
2017-2018 10635 562.10 29.95 - - - 10635 562.10 29.95
iewj-mebye× mJeemLe peerJeve Deejesi³e
2015-2016 152887 3524.39 71.46 - - - 152887 3524.39 71.46
2016-2017 129943 3013.26 61.03 - - - 129943 3013.26 61.03
2017-2018 200214 14959.65 100.43 - - - 200214 14959.65 100.43
Unit Linked
³egefveì mebyebOeer veJe Sb[ewceWvì
2015-2016 11669 379.16 37.95 - - - 11669 379.16 37.95
2016-2017 4459 190.13 19.01 - - - 4459 190.13 19.01
2017-2018 24316 795.03 79.50 - - - 24316 795.03 79.50
³et.kesÀ. mebyeOo
2015-2016 - - - 5 - - 5 - -
2016-2017 - - - 7 1.05 0.10 7 1.05 0.10
2017-2018 - - - 10 1.41 - 10 1.41 -
* peerJeve Deejesi³e kesÀ Debleie&le yeerceeOeve kesÀ keÀe@uece ceW cespej meeefpe&keÀue ueeYe oMee&³ee ie³ee nw~
44
44
veJe J³eJemee³e mecetn yeeRcee (meeceeefpekeÀ megj#ee meefnle)

योजनाओं क� संख्या
29924
30500
30000
29500
29000
28013
28500
28000 27249
27500
27000
26500
26000
2015-2016 2016-2017 2017-2018
Sum Assured / Annuity Per Annum,
(` in Crore)
meom³eeW keÀer mebK³ee (ueeKees ceW) yeerceeOeve / Jeeef<e&keÀ ÒeefleJe<e& (` keÀjesæ[ ceW)
618
601 800000 683601

620
700000
600
600000 430252
580 500000
560 400000
528
195318
540 300000
200000
520
100000
500
0
480 2015-2016 2016-2017 2017-2018
2015-2016 2016-2017 2017-2018
veJe J³eJemee³e (mecetn)

meejCeer veb 1 yeer
Je<e& ³eespeveeDeeW keÀer mebK³ee meom³eeW keÀer mebK³ee yeercee Oeve Jeeef<e&efkeÀ³eeW yeeef<e&keÀ³eeW kesÀ efueS
(ueeKeeW ceW) keÀe Yegileeve ÒeefleHeÀue
(` keÀjeWæ[ ceW) (` keÀjeWæ[ ceW)
mecetn yeercee (meeceeefpekeÀ megj#ee meefnle)
2015-2016 29924 618.05 430251.75 0
2016-2017 28013 527.99 195318.27 0
2017-2018 27249 601.15 683601.40 0
mecetn mesJeeefveJe=efle
2015-2016 302 8.15 514.66 39764.84
2016-2017 245 3.75 721.09 46545.87
2017-2018 229 4.27 789.38 47421.94
45
meejCeer veb 2
meeceeefpekeÀ megj#ee ³eespevee-Jeej oeJee Yegieleeve
meYeer OevejeefMe 000 ©heS ceW nw
ªheebleefjle ³eespevee
ªheeleefjle heerScepes[erJeeF& SmeSmepeerSme hetJe& SSyeerJeeF& kegÀue oeJes
heerScepespesyeerJeeF& ªheebleefjle SSyeerJeeF&
jep³e mebK³ee OevejeefMe mebK³ee OevejeefMe mebK³ee OevejeefMe mebK³ee OevejeefMe mebK³ee OevejeefMe mebK³ee OevejeefMe
DeebOe´ heósMe 27400 5480000 17809 555060 116 3480 25949 455303 71274 6493843
De©Cee®eue heósMe 1 30 338 10170 339 10200
Demece 17 510 834 38490 851 39000
efyenej 21 630 1319 40980 1340 41610
íÊeermeieæ{ 82 2460 1524 10037 5625 217545 7231 230042
ieesJee 1 30 58 1830 59 1860
iegpejele 51 1530 2690 89070 2741 90600
nefj³eeCee 51 1530 32 960 83 2490
efncee®eue heósMe 9 270 27 1140 36 1410
peccet SJeb keÀMceerj 27 810 160 8670 187 9480
PeejKeb[ 6 180 223 7445 229 7625
keÀvee&ìkeÀ 132 3960 6817 224195 6949 228155
kesÀjue 6 180 1016 35710 1022 35890
ceO³e heósMe 22 660 2760 18656 3665 212281 6447 231597
cenejeä^ 83 2490 8222 260430 8305 262920
ceefCehegj 0 0 0 0 0 0
cesIeeue³e 0 0 0 0 0 0
efcepeesjce 0 0 0 0 0 0
veeieeueQ[ 0 0 3 90 3 90
Gæ[ermee 48 1440 2549 85240 2597 86680
hebpeeye 16 480 17 570 33 1050
jepemLeeve 17 510 5168 163690 5185 164200
efmeeqkeÌkeÀce 0 0 3 90 3 90
leefceuevee[g 33 990 3277 117741 3310 118731
ef$ehegje 0 0 0 0 0 0
GÊej heósMe 92 2760 4354 149090 4446 151850
GÊejeKeb[ 15 450 616 20025 631 20475
heeq½ece yebieeue 36 1080 551 19107 587 20187
Deb[ceeve SJeb efvekeÀesyeej
Üerhemecetn 0 0 0 0 0 0
®eb[erieæ{ 4 120 1116 43879 1120 43999
oeoj SJeb veiej nJesueer 0 0 0 0 0 0
oceve Deewj oerJe 0 0 0 0 0 0
efouueer 23 690 289 9630 312 10320
ue#eÜerhe 0 0 0 0 0 0
hegÎ§®esjer 0 0 310 10455 310 10455
lesuebieevee 128 3840 29844 1446565 29972 1450405
peesæ[ 27400 5480000 17809 555060 1037 31110 4284 28693 105072 3670391 155602 9765254
46
46
J³eefkeÌleiele yeercee kesÀ Debleie&le kegÀue ®eeuet J³eJemee³e
NumberHee@ofefuemeer ³eeW keÀer mebKin

policies ³ee force
(in(keÀjes
crore) [b ceW)
27.92 28.08 28.24

30
25
20
15
10
2015-16 2016-17 2017-18
yeercee Oeve / SHeerS Annual Premium Receivable

yeeef<e&keÀ Òeerefce³ece ÒeeH³e
(` keÀjes[b ceW) (` (in`crore)
keÀjes[b ceW)
4255523 198743
4500000 3736125 3970333
200000
4000000 195000 187424
3500000 190000
185000 178784
3000000
180000
2500000 175000
2000000 170000
2015-2016 2016-2017 2017-2018 165000
2015-16 2016-17 2017-18
meejCeer meb. 3 S ®eeuet J³eJemee³e (J³eeqkeÌleiele)

Yeejle ceW ®eeuet J³eJemee³e Yeejle kesÀ yeenj ®eeuet J³eJemee³e ketÀue ®eeuet J³eJemee³e
keÀer mebK³ee SvemeerDees/SHeerS Òeerefce³ece keÀer mebK³ee SvemeerDees/SHeerS Òeerefce³ece keÀer mebK³ee SvemeerDees/SHeerS Òeerefce³ece
(` keÀjes[ ceW) (` keÀjes[ ceW) (` keÀjes[ ceW) (` keÀjes[ ceW) (` keÀjes[ ceW) (` keÀjes[ ceW)
2015-2016 279083142 3731247.02 178547.21 101459 4877.64 236.46 279184601 3736124.66 178783.67
2016-2017 280651046 3965294.32 187173.13 104063 5038.25 250.56 280755109 3970332.57 187423.69
2017-2018 282245330 4250255.66 198474.33 106223 5267.45 268.68 282351553 4255523.11 198743.01
meeceev³e Jeeef<e&keÀer
2015-2016 819030 1636.96 18.56 1 0.00 0.00 819031 1636.96 18.56
2016-2017 1145890 2743.04 12.54 1 0.00 0.00 1145891 2743.04 12.54
2017-2018 1504249 4046.96 10.57 1 0.00 0.00 1504250 4046.96 10.57
HesvMeve
2015-2016 1610266 1947.40 865.25 169 1.49 0.13 1610435 1948.89 865.38
2016-2017 1588449 1897.79 866.93 171 1.47 0.12 1588620 1899.26 867.04
2017-2018 1564651 2034.92 770.43 171 1.56 0.12 1564822 2036.48 770.56
iewj mebye× mJeemLe peerJeve Deejesi³e *
2015-2016 397125 9800.77 202.63 - - - 397125 9800.77 202.63
2016-2017 389230 9989.01 206.08 - - - 389230 9989.01 206.08
2017-2018 461845 22224.98 251.03 - - - 461845 22224.98 251.03
³etefveì mebJeOeer HeÌ³et®ej Hueme
2015-2016 151562 58.84 14.43 - - - 151562 58.84 14.43
2016-2017 92231 51.26 11.36 - - - 92231 51.26 11.36
2017-2018 76820 46.03 10.10 - - - 76820 46.03 10.10
peerJeve Hueme
2015-2016 89978 1644.58 159.74 - - - 89978 1644.58 159.74
2016-2017 82155 1521.36 156.17 - - - 82155 1521.36 156.17
2017-2018 74740 1402.79 153.01 - - - 74740 1402.79 153.01
47
meejCeer meb. 3 S ®eeuet J³eJemee³e (J³eeqkeÌleiele)(peejer)

Yeejle ceW ®eeuet J³eJemee³e Yeejle kesÀ yeenj ®eeuet J³eJemee³e ketÀue ®eeuet J³eJemee³e
keÀer mebK³ee SvemeerDees/SHeerS Òeerefce³ece keÀer mebK³ee SvemeerDees/SHeerS Òeerefce³ece keÀer mebK³ee SvemeerDees/SHeerS Òeerefce³ece
(` keÀjes[ ceW) (` keÀjes[ ceW) (` keÀjes[ ceW) (` keÀjes[ ceW) (` keÀjes[ ceW) (` keÀjes[ ceW)
ceveer Hueme
2015-2016 355034 3383.33 283.79 - - - 355034 3383.33 283.79
2016-2017 264684 2653.18 214.55 - - - 264684 2653.18 214.55
2017-2018 199991 2135.87 168.44 - - - 199991 2135.87 168.44
ceekexÀì Hueme
2015-2016 1316715 263.85 104.82 - - - 1316715 263.85 104.82
2016-2017 969816 216.19 85.50 - - - 969816 216.19 85.50
2017-2018 553581 167.94 60.61 - - - 553581 167.94 60.61
HeÀe@®³e&tve Hueme
2015-2016 37017 817.97 0.10 - - - 37017 817.97 0.10
2016-2017 32748 724.36 0.00 - - - 32748 724.36 0.00
2017-2018 20140 507.69 0.00 - - - 20140 507.69 0.00
Òee@efHeÀì Hueme
2015-2016 452040 4764.91 0.01 - - - 452040 4764.91 0.01
2016-2017 391457 4139.30 0.00 - - - 391457 4139.30 0.00
2017-2018 286953 3225.43 0.00 - - - 286953 3225.43 0.00
ceveer Hueme-1
2015-2016 40823 411.97 37.48 - - - 40823 411.97 37.48
2016-2017 31767 321.29 31.54 - - - 31767 321.29 31.54
2017-2018 26212 264.82 27.19 - - - 26212 264.82 27.19
®eeFu[ HeÀe@®³et&ve Hueme
2015-2016 20324 409.67 21.63 - - - 20324 409.67 21.63
2016-2017 18351 370.25 19.45 - - - 18351 370.25 19.45
2017-2018 16537 336.75 17.68 - - - 16537 336.75 17.68
ceekexÀì Hueme 1
2015-2016 1804405 372.31 194.12 - - - 1804405 372.31 194.12
2016-2017 1507639 312.23 159.90 - - - 1507639 312.23 159.90
2017-2018 1249746 267.18 134.52 - - - 1249746 267.18 134.52
nsuLe Hueme *
2015-2016 106130 4348.06 105.36 - - - 106130 4348.06 105.36
2016-2017 96850 3985.22 98.03 - - - 96850 3985.22 98.03
2017-2018 88350 3653.43 89.99 - - - 88350 3653.43 89.99
nsuLe ÒeeìskeÌMeve Hueme *
2015-2016 101419 4019.66 54.63 - - - 101419 4019.66 54.63
2016-2017 98345 3909.43 48.20 - - - 98345 3909.43 48.20
2017-2018 95695 3812.82 49.42 - - - 95695 3812.82 49.42
peerJeve meeLeer Hueme
2015-2016 3509 51.66 3.63 - - - 3509 51.66 3.63
2016-2017 3115 45.55 3.26 - - - 3115 45.55 3.26
2017-2018 2803 41.35 2.97 - - - 2803 41.35 2.97
JewuLe Hueme
2015-2016 1499865 16094.70 0.00 - - - 1499865 16094.70 0.00
2016-2017 1394932 14963.47 0.00 - - - 1394932 14963.47 0.00
2017-2018 1299666 13924.18 0.00 - - - 1299666 13924.18 0.00
Sb[escesì Hueme
2015-2016 1205113 10674.33 228.90 - - - 1205113 10674.33 228.90
2016-2017 838671 7396.66 158.35 - - - 838671 7396.66 158.35
2017-2018 664958 5859.97 126.97 - - - 664958 5859.97 126.97
HesvMeve Hueme
2015-2016 102676 0.00 104.90 - - - 102676 0.00 104.90
2016-2017 79541 0.00 85.10 - - - 79541 0.00 85.10
2017-2018 68704 0.00 75.85 - - - 68704 0.00 75.85
mece=×er Hueme
2015-2016 1007369 9572.67 242.08 - - - 1007369 9572.67 242.08
2016-2017 723724 6718.15 51.94 - - - 723724 6718.15 51.94
2017-2018 626486 5781.81 39.73 - - - 626486 5781.81 39.73
HeÌueskeÌmeer Hueme
2015-2016 1644 37.83 3.78 - - - 1644 37.83 3.78
2016-2017 1541 35.51 3.55 - - - 1541 35.51 3.55
2017-2018 1282 29.90 2.99 - - - 1282 29.90 2.99
v³et Sb[escesì Hueme
2015-2016 11531 374.43 37.44 - - - 11531 374.43 37.44
2016-2017 15528 546.63 54.66 - - - 15528 546.63 54.66
2017-2018 39155 1315.25 131.52 - - - 39155 1315.25 131.52
³et.kesÀ. mebye×
2015-2016 360 72.04 5.19 360 72.04 5.19
2016-2017 339 59.96 5.03 339 59.96 5.03
2017-2018 313 49.80 4.59 313 49.80 4.59
* peerJeve Deejesi³e, nsuLe ÒeesìskeÌMeve Hueme ³eespeveeDeeW kesÀ Debleie&le yeerceeOeve kesÀ keÀe@uece ceW cespej meeefpe&keÀue ueeYe oMee&³ee ie³ee nw~
48
48
®eeuet J³eJemee³e (mecetn)

Òeerefce³ece (` keÀjesæ[ ceW) yeercee Oeve / SvemeerDees/SHeerS (` keÀjesæ[ ceW) 1689089
1700000
89204
100000 1600000
85992
90000 1500000
71451
1400000
80000
1300000
70000
1129590
1200000 1048582
60000
1100000
50000
1000000
40000 900000
30000 800000
20000 700000
600000
10000
2015-2016 2016-2017 2017-2018
500000
2015-2016 2016-2017 2017-2018
mecetn ³eespevee meom³e (ueeKeeW ceW)

160613 160518 160951 1209
180000
1146 1179
170000 1300
160000 1200
150000
1100
140000
1000
130000
120000 900
110000 800
100000
700
90000
600
80000
70000 500
60000 400
50000
300
40000
200
30000
20000 100
10000 0
2015-2016 2016-2017 2017-2018 2015-2016 2016-2017 2017-2018
®eeuet J³eJemee³e (mecetn)

meejCeer veb 3 yeer
³eespeveeDeeW keÀer meom³eeW keÀer yeercee Oeve/ yeeef<e&efkeÀ³eeW kesÀ Òeerefce³ece Dee³e
mebK³ee mebK³ee mew. ve.efJe./ efueS (` keÀjeWæ[ ceW)
Je<e& (ueeKeeW ceW) Jeeef<e&efkeÀ³eeW ÒeefleHeÀue *
keÀe Yegileeve (` keÀjeWæ[ ceW)
(` keÀjeWæ[ ceW)
mecetn yeercee (meeceeefpekeÀ megj#ee meefnle)
2015-2016 138684 1138.38 1030609.09 0 23354.67
2016-2017 138066 1072.44 1107354.19 0 28192.25
2017-2018 137978 1091.55 1688731.03 0 31010.28
mecetn mesJeeefveJe=efle
2015-2016 21889 70.44 4562.86 184199.14 48049.01
2016-2017 22413 72.91 5267.48 231563.41 57788.39
2017-2018 22938 86.63 6053.71 276649.71 58181.46
meyebOo J³eJemee³e - peer Hueme
2015-2016 40 0.4 307.33 0 47.09
2016-2017 39 0.39 305.59 0 11.80
2017-2018 35 0.39 357.79 0 11.79
* ³en jkeÀce YeeefJe<³e Jeeef<e&efkeÀ³eeW kesÀ efueS GHeueyOe nw~
49
50
meejCeer veb 4 ÒeHe$e [er[er
Hee@efuemeer kesÀ yeejs ceW meebefJeefOekeÀ efJeJejCe
veJe peerJeve yeercee J³eJemee³e efpemekeÀe efÒeceer³ece 2017-18 Je<e& kesÀ oewjeve Deoe efkeÀ³ee ie³ee nw 31.03.18 Je<e& keÀer meceeefÊe Hej kegÀue ®eeuet yeercee J³eJemee³e
Hee@efuemeer³eeB yeercee-jeefMe leLee Jeeef<e&efkeÀ³eeW kesÀ efueS SkeÀue Òeerefce³ece Jeeef<e&keÀ HejJeleer& Òeerefce³ece Hee@efuemeer³eeB keÀer yeesveme efmenle yeercee jeefMe Jeeef<e&efkeÀ³eeW kesÀ efueS ÒeefleHeÀue Òeerefce³ece Dee³e pees jepemJe
keÀer mebK³ee Jeeef<e&efkeÀ³eeW ÒeefleHeÀue ÒeefleHeÀue mebK³ee leLee Jeeef<e&keÀer³eeW Òeefle Je<e& uesKes ceW efoKeeF& ieF& nw
(1) (2) (3) (4) (5) (6) (7) (8) (09) (10)
meeOeejCe Hee@efuemeer³eeB **
Yeejle ceW 20711779 5319921097670 - 80892018976 275797806695 282245330 49795762773423 - 2082520617675
Yeejle kesÀ yeenj 15376 9053669153 - 692927383 471145516 106223 61302746234 - 3250591032
ketÀue 20727155 5328974766823 - 81584946359 276268952211 282351553 49857065519657 - 2085771208707

Jeeef<e&keÀer mebefJeoe³eW, Deeefo
Yeejle ceW 363756 - - 184965964414 - 1504249 40469585511 - 185075220996
Yeejle kesÀ yeenj - - - - - 1 2745 - -
ketÀue 363756 - - 184965964414 - 1504250 40469588256 - 185075220996
iewj-mebyeOo mJeemL³e -peerJeve Deejesi³e #
Yeejle ceW 200214 149596500000 - 1004309613 461845 222249775000 - 2350101760
ketÀue 200214 149596500000 - 1004309613 461845 222249775000 - 2350101760
³etveerì efuebkeÌ[ Hueeve-yeerceer Hueme
Yeejle ceW - - - - - - - -
ketÀue - - - - - - - -
efuebkeÌ[ Hueeve-HeÌ³et®ej Hueme
Yeejle ceW - - - - 76820 460261360 - 70066500
ketÀue - - - - 76820 460261360 - 70066500
efuebkeÌ[ Hueeve-peerJeve Hueme
Yeejle ceW - - - - 74740 14027885000 - 371835222
ketÀue - - - - 74740 14027885000 - 371835222
efuebkeÌ[ Hueeve-ceveer Hueme
Yeejle ceW - - - - 199991 21358668750 - 1767292539
ketÀue - - - - 199991 21358668750 - 1767292539
efuebkeÌ[ Hueeve-ceekexÀì Hueme
Yeejle ceW - - - - 553581 1679405000 - 463941500
ketÀue - - - - 553581 1679405000 - 463941500
efuebkeÌ[ Hueeve-HeÀe@®³e&tve Hueme
Yeejle ceW - - - - 20140 5076885000 - -
ketÀue - - - - 20140 5076885000 - -
efuebkeÌ[ Hueeve-Òee@HeÀerì Hueme
Yeejle ceW - - - - 286953 32254275000 - 20000
ketÀue - - - - 286953 32254275000 - 20000
efuebkeÌ[ Hueeve-ceveer Hueme 1
Yeejle ceW - - - - 26212 2648220000 - 305237000
ketÀue - - - - 26212 2648220000 - 305237000
efuebkeÌ[ Hueeve-®eeF&u[ HeÀe@®³e&tve Hueme
Yeejle ceW - - - - 16537 3367512500 - 194589496
ketÀue - - - - 16537 3367512500 - 194589496
50
efuebkeÌ[ Hueeve-ceekexÀì Hueme 1
Yeejle ceW - - - - 1249746 2671832000 - 1540254234
ketÀue - - - - 1249746 2671832000 - 1540254234
meejCeer veb 4 ÒeHe$e [er[er
Hee@efuemeer kesÀ yeejs ceW meebefJeefOekeÀ efJeJejCe
veJe peerJeve yeercee J³eJemee³e efpemekeÀe efÒeceer³ece 2017-18 Je<e& kesÀ oewjeve Deoe efkeÀ³ee ie³ee nw 31.03.18 Je<e& keÀer meceeefÊe Hej kegÀue ®eeuet yeercee J³eJemee³e
Hee@efuemeer³eeB yeercee-jeefMe leLee Jeeef<e&efkeÀ³eeW kesÀ efueS SkeÀue Òeerefce³ece Jeeef<e&keÀ HejJeleer& Òeerefce³ece Hee@efuemeer³eeB keÀer yeesveme efmenle yeercee jeefMe Jeeef<e&efkeÀ³eeW kesÀ efueS ÒeefleHeÀue Òeerefce³ece Dee³e pees jepemJe
keÀer mebK³ee Jeeef<e&efkeÀ³eeW ÒeefleHeÀue ÒeefleHeÀue mebK³ee leLee Jeeef<e&keÀer³eeW Òeefle Je<e& uesKes ceW efoKeeF& ieF& nw
(1) (2) (3) (4) (5) (6) (7) (8) (09) (10)
efuebkeÌ[ Hueeve-HeÌueskeÌmeer Hueme
Yeejle ceW - - - 1282 298990000 - 23904792
ketÀue - - - 1282 298990000 - 23904792
efuebkeÌ[ Hueeve-nsuLe Hueme #
Yeejle ceW - - - 88350 36534290000 - 912277483
ketÀue - - - 88350 36534290000 - 912277483
efuebkeÌ[ Hueeve-nsuLe ÒeesìskeÌMeve Hueme #
Yeejle ceW - - - 95695 38128224000 - 496398306
ketÀue - - - 95695 38128224000 - 496398306
efuebkeÌ[ Hueeve peerJeve meeLeer Hueme
Yeejle ceW - - - 2803 413520000 - 33253000
ketÀue - - - 2803 413520000 - 33253000
efuebkeÌ[ Hueeve-JesuLe Hueme
Yeejle ceW - - - 1299666 139241778000 - -
ketÀue - - - 1299666 139241778000 - -
efuebkeÌ[ Sv[esceWì Hueme
Yeejle ceW - - - 664958 58599670000 - 933598200
ketÀue - - - 664958 58599670000 - 933598200
efuebkeÌ[ - HesvMeve Hueme
Yeejle ceW - - - 68704 - - 612154286
ketÀue - - - 68704 - - 612154286
efuebkeÌ[ - mece=×er Hueme
Yeejle ceW - - - 626486 57818110000 - 1893074
ketÀue - - - 626486 57818110000 - 1893074
efuebkeÌ[ -v³et Sv[escesvì Hueme
Yeejle ceW 24316 7950330000 795025000 39155 13152450000 - 999271538
ketÀue 24316 7950330000 795025000 39155 13152450000 - 999271538
³et. kesÀ. mebye×
Yeejle kesÀ yeenj 10 14131323 - 13313945 313 497975709 - 53682351
ketÀue 10 14131323 - 13313945 313 497975709 - 53682351
HesvMeve
Yeejle ceW 10635 *** - 166008289 299507481 1564651 20349231881 - 7594449540
Yeejle kesÀ yeenj - - - - - 171 15594804 - -
Total 10635 - - 166008289 299507481 1564822 20364826685 - 7594449540
mecetn yeercee Hee@efueefme³eeB 27249 6836014014104 - 261619988584 11264679947 137978 16887310266874 - 310102841633
ketÀue 27249 6836014014104 - 261619988584 11264679947 137978 16887310266874 - 310102841633
mecetn Jeeef<e&keÀ meefJeoe³eW Deeefo 229 7893776548 474219384984 536902704059 18103980818 22938 60537061386 2766497081689 581814615425
ketÀue 229 7893776548 474219384984 536902704059 18103980818 22938 60537061386 2766497081689 581814615425
mebyeOo J³eJemee³e (peer HuekeÌme) - - 35 3577885675 - 117855408
ketÀue - - 35 3577885675 - 117855408
** meeOeejCe Hee@efuemeer³eeB qJ³eeqkeÌleiele yeerceeW keÀe mebkesÀle keÀjleer nw~
51
*** mew×ebeflekeÀ efJekeÀuHe = `5620955000
# peerJeve Deejesi³e, nsuLe Hueme SJeb nsuLe ÒeesìskeÌMeve Hueme ³eespevee kesÀ Debleie&le yeerceeOeve kesÀ keÀe@uece ceW cespej meefpe&keÀue ueeYe oMee&³ee ie³ee nw~
peerJeve efveefOe
Life Fund ( ` keÀjes[b ceW)
(` in crore )
2584485
2700000
2323801
2400000
2057625
2100000
1800000
1500000
1200000
900000
2015-2016 2016-2017 2017-2018
5% Share keW(Life Business)

Àê mejkeÀej keÀes ÒeoÊepaid
5… efnto
mmeeCentral Government
(peerJeve J³eJemee³e)
(` in crore )
( ` keÀjes[b ceW)
2497
2700 2422
2200
2400
2100
1800
1500
1200
900
2015-2016 2016-2017 2017-2018
peerJeve efveefOe, kegÀue DeefOeMes<e, kesÀvê mejkeÀej keÀes ÒeoÊe efnmmee SJeb ÒeoÊe keÀj
meejCeer veb. 5 ( ` keÀjes[b ceW)
Je<e& peerJeve efveefOe cetu³eebkeÀve jeskeÀe ie³ee kesÀvê mejkeÀej keÀes kesÀvê mejkeÀej keÀes mejkeÀej keÀes ÒeoÊe
DeefOeMes<e DeefOeMes<e ÒeoÊe 5… efnmmee 100… efnmmee HetBpeer keÀj keÀer jeefMe mesJee
(peerJeve) peerJeve J³eJemee³e cees®eve SJeb efve. Jee. keÀj /peer. Sme.ìer.
J³eJemee³e meefnle (peerJeve)
2015-2016 2057625.32 49939.38 - 2497.03 4.72 7919.60
2016-2017 2323801.45 44006.67 - 2200.33 6.37 9427.46
2017-2018 2584484.92 48436.45 - 2421.82 8.37 10674.11
* efHeíues Je<e& kesÀ DeeBkeÀæ[eW keÀe DeeJeM³ekeÀlee Devegmeej Hegve:mebûeefnle efkeÀ³ee ie³ee nw~
52
52
kegÀue efveJesMe : 2017-18
ÒeefleYetefle³ee@
` 2602947.40 keÀjesæ[
(95.11%)
$eÝCe
` 112392.61 keÀjesæ[ Dev³e eqveJesMe
(4.11%)
` 21422.35 keÀjesæ[
(0.78%)
$eÝCe ÒeefleYetefle³ee@ Dev³e eqveJesMe
31 cee®e&, 2018 keÀes efveJesMe

meejCeer veb. 6
30.03.2018 ( ` keÀjes[ ces)
Yeejle ceW efveJesMe
I $eÝCe 1,12,217.85
II heéfleYetefle³eeb 25,99,594.01
III cegêe yeepeej efveJesMe 21,349.25
kegÀue (Yeejle ces) 27,33,161.11
Yeejle kesÀ yeenj efveJesMe
I $eÝCe 174.76
II heéfleYetefle³eeb 3,353.39
III cegêe yeepeej efveJesMe 73.10
kegÀue (Yeejle kesÀ yeenj) 3,601.25
kegÀue pees[ (Yeejle ceW SJeb Yeejle kesÀ yeenj) mekeÀue] 27,36,762.36
53
yegefve³eeoer{eb®es SJeb meeceeefpekeÀ #es$eeW ceW efveJesMe 2017-18
efJeÐegle
`14133.71 keÀjesæ[
(34.12%)
Dev³e yegefve³eeoer megefJeOeeSb
` 21980.61 keÀjesæ[
(53.08%)
kegÀue efveJesMe
` 41418.35 keÀjesæ[
DeeJeeme
` 5274.14 keÀjesæ[
(12.73%)
peueHetefle& Deewj ceue-efvekeÀeme ³eespeveeSB
` 29.89 keÀjesæ[ (0.07%)
DeeOeejYetle mebj®evee leLee meceepeesvcegKe #es$eeW keÀer efJeefYeVe mebmLeeDeeW keÀes Deefieće efoS ieS $eÝCe, $eÝCe he$e Deewj FeqkeÌJeìer
meejCeer veb. 7
2017-18 Je<e& ces oer
#es$e ieF& Deefieće jeefMe
(` keÀjesæ[)
1. heeJej ( efJeÐegle) 14133.71
2. DeeJeeme
De) ie=n efJeÊe keÀcheefve³eeW ces $eÝCe, $eÝCe he$e 5274.14
ye) DeeJeeme ³eespeveeDeeW kesÀ efueS jep³e mejkeÀejeW kesÀ efo³es ie³es $eÝCe
Ke) efMeKej menkeÀejer DeeJeeme efJeÊe meefceefle³eeB Deewj Dev³e keÀes efo³es ie³es $eÝCe
ie) DeeJeeme efJele kebÀHeefve³eeW keÀes efoS ie³es $eÝCe, $eÝCe He$e Fl³eeefo
3. eEme®eeF& /peueehete|le / ceueefvekeÀeme ³eespeveeS 29.89
4. meæ[keÀ Deewj HegueeW / Sme Deej ìer meer 20553.41
5. Dev³e yegefve³eeefo megefJeOeeSb 1427.20
kegÀue 41418.35
54
54
31 cee®e& 2018 lekeÀ jep³e Devegmeej meeceeefpekeÀ megj#ee ³eespevee J³eeHleer

meejCeer veb. 8
jep³e/³etìerSme ketÀue veJe J³eJemee³e Hegve&®eefuele kegÀue Hegve&®eefuele State wise Various SSS Claim
Payment
31 cee®e& 201 SSyeeryeeF& SSS Renewal (Erstwhile
lekeÀ AABY+Converged
No Amount
PMJJBY+Converged
AABY)
Deb[ceeve efvekeÀesyeej efÜHe 0 0 0 0 0 0
DeevOe´ ÒeosMe 20519149 0 5142103 25661252 71274 6493842500
De©Cee®eue ÒeosMe 0 0 0 0 339 10200000
Demece 82360 0 16475 98835 851 39000000
efyenej 166745 0 0 166745 1340 41610000
®eb[erie{ 2642 0 1753 4395 1120 43998708
íÊeermeie{ 455303 2741208 1201697 4398208 7231 230042500
oeoje SJeb veiej nJesueer 0 0 0 0 0 0
oceCe Deewj oerJe 0 0 0 0 0 0
efouueer 2100444 0 1186 2101630 312 10320000
ieesJee 3406 0 0 3406 59 1860000
iegpejele 24461 0 36167 60628 2741 90600000
nefj³eeCee 1222 0 0 1222 83 2490000
efncee®eue ÒeosMe 4698 0 93 4791 36 1410000
peccet Deewj keÀMceerj 63985 0 171 64156 187 9480000
PeejKeb[ 253518 0 156650 410168 229 7625000
keÀvee&ìkeÀ 1577118 0 4620620 6197738 6949 228155000
kesÀjue 1200798 0 54889 1255687 1022 35890000
ue#eJoerHe 0 0 0 0 0 0
ceO³e ÒeosMe 212649 0 4572873 4785522 6447 231597000
cenejeä^ 14388 0 42603 56991 8305 262920000
ceefCeHetj 689 0 0 689 0 0
cesIeeue³e 1746 0 0 1746 0 0
efcePeesjce 617 0 0 617 0 0
veeieeueQ[ 0 0 0 0 3 90000
Deesef[Mee 959282 0 1957528 2916810 2597 86680000
Hegog®esjer 0 0 0 0 310 10455000
Hebpeeye 14 0 24 38 33 1050000
jepemLeeve 1678287 0 18650 1696937 5185 164200000
efmekeÌkeÀerce 48 0 0 48 3 90000
leefceuevee[t 326294 690 340430 667414 3310 118731000
lesuebievee 12992 0 4046 17038 29972 1450405000
ef$eHegje 6800 0 0 6800 0 0
GÊejÒeosMe 601418 0 0 601418 4446 151850000
GÊejeb®eue 1344 0 0 1344 631 20475000
HeefM®ece yebieeue 43600 0 39855 83455 587 20187000
kegÀue 30316017 2741898 18207813 51265728 155602 9765253708
55
heefjefMeä - 1
Je<e& 2017-2018 kesÀ oewjeve efveiece kesÀ meom³e
veece Je heoveece Mew#eCekeÀ ³eesi³elee efJeMes<e%elee keÀe #es$e efveosMekeÀeefjlee kegÀue yewþkeÀ kegÀue yewþkeÀ
keÀe heo ceW GheeqmLeefle MegukeÀ heóÊe
Þeer Jeer. kesÀ. Mecee&, DeO³e#e Sce. Sme. meer. yeercee DeO³e#e 06 ueeiet vener
Þeerceleer T<ee meebieJeeve, heýebOe efveosMekeÀ DeLe&Meem$e ceW mveelekeÀesÊej, yeercee heýebOe efveosMekeÀ 06 ueeiet vener
heerpeer[erSce (ce. meb. he´.)
Þeer nsceble Yeeie&Je, heýebOe efveosMekeÀ SceS (DeLe&Meem$e ) yeercee heýebOe efveosMekeÀ 06 ueeiet vener
Þeer yeer JesCetieesheeue, heýebOe efveosMekeÀ yeer.keÀe@ce yeercee heýebOe efveosMekeÀ 06 ueeiet vener
(11.04.2017 mes)
Þeerceleer megveerlee Mecee&, heýebOe efveosMekeÀ Sce. Sme. meer.( pebleg efJe%eeve) yeercee heýebOe efveosMekeÀ 06 ueeiet vener
(11.04.2017 mes)
Þeer MeÊeÀerkeÀeble oeme, heerpeer (Fefleneme) DeLe&Meem$e Deewj ueeskeÀ meom³e 00 ueeiet vener
meef®eJe([erF&S), efJeÊe ceb$eeue³e, Yeejle mejkeÀej he´Meemeve
(31.05.2017 lekeÀ)
Þeer megYee<e ®evê ieie&, meef®eJe([erF&S), efJeÊe yeer. keÀe@ce, Sue Sue yeer, DeLe&Meem$e Deewj ueeskeÀ meom³e 03 ueeiet vener
ceb$eeue³e, Yeejle mejkeÀej (17.07.2017 mes) meer[yuetS, meerSme he´Meemeve
Þeer efiejerMe ®evê cegcet&, DeefleefjkeÌle meef®eJe yeer. S. (Deeveme&), DeLe&Meem$e Deewj ueeskeÀ meom³e 06 ueeiet vener
([erDeesDeej), efJeÊe ceb$eeue³e, Yeejle mejkeÀej Sce.S.(jepeveerefle Meem$e), he´Meemeve
SceyeerS(heeqyuekeÀ mesJee -
FbìjvesMeveue)
Þeer Deéeveer kegÀceej, hetJe& -DeO³e#e SJeb heýebOe Sce. Sme. meer.(jmee³eve), yeQeEkeÀie meom³e 04 40,000
efveosMekeÀ, osvee yeQkeÀ meerSDeeF&DeeF&yeer
Þeerceleer Sefueme peer Jewod³eve, DeO³e#e SJeb heýebOe heerpeer (Debie´speer), yeercee heosve meom³e 02 ueeiet vener
efveosMekeÀ, peerDeeF&meer efj SHeÀDeeF&DeeF&DeeF&
Þeer efyeceueWog ®e¬eÀyeleea yeer.keÀe@ce.(Deeveme&), yeercee iewj mejkeÀejer 03 60,000
(29.09.2017 mes) SmeerS meom³e
Þeer jJeervê veeLe ®elegJexoer yeer.keÀe@ce., SHeÀmeerS, efJeÊe SJe uesKee iewj mejkeÀejer 03 60,000
(29.09.2017 mes) [erDeeFSmeS meom³e
Þeer Deej ®ebêMesKejve yeer.keÀe@ce., [erSceSme, yeercee iewj mejkeÀejer 03 60,000
(29.09.2017 mes) meerSDeeF&DeeF&yeer, meom³e
DeeFmeer[yuetS (DeeF&),
mee|ìefHeÀkesÀì Fve keÀch³etìj mee@
HeÌìJes³ej, SHeÀDeeF&DeeF&DeeF&,
SmeerDeeF&DeeF& (³etkesÀ),
SDeeF&DeejSce (³etkesÀ)
Je<e& kesÀ oewjeve ín yees[& keÀer yewþkeÀes keÀe Dee³eespeve efkeÀ³ee ie³ee ~
56
56
efveiece kesÀ Jele&ceeve meom³e *

veece Je heoveece Mew#eCekeÀ ³eesi³elee efJeMes<e%elee keÀe efveosMekeÀeefjlee keÀe
#es$e heo
Þeer Jeer. kesÀ. Mecee&, DeO³e#e Sce. Sme. meer. yeercee DeO³e#e
Þeerceleer T<ee meebieJeeve, heýebOe efveosMekeÀ DeLe&Meem$e ceW mveelekeÀesÊej, yeercee heýebOe efveosMekeÀ
heerpeer[erSce (ce. meb. he´.)
Þeer nsceble Yeeie&Je, heýebOe efveosMekeÀ SceS (DeLe&Meem$e ) yeercee heýebOe efveosMekeÀ
Þeer yeer JesCetieesheeue, heýebOe efveosMekeÀ yeer.keÀe@ce yeercee heýebOe efveosMekeÀ
Þeerceleer megveerlee Mecee&, heýebOe efveosMekeÀ Sce. Sme. meer.( pebleg efJe%eeve) yeercee heýebOe efveosMekeÀ
Þeer megYee<e ®evê ieie&, meef®eJe([erF&S), yeer. keÀe@ce, Sue Sue yeer, meer[yuetS, DeLe&Meem$e Deewj ueeskeÀ meom³e
efJeÊe ceb$eeue³e, Yeejle mejkeÀej meerSme he´Meemeve
Þeer efiejerMe ®evê cegcet&, efJeMes<e meef®eJe([erDeesDeej), yeer. S. (Deeveme&), Sce.S.(jepeveerefle Meem$e), DeLe&Meem$e Deewj ueeskeÀ meom³e
efJeÊe ceb$eeue³e, Yeejle mejkeÀej SceyeerS(heeqyuekeÀ mesJee - FbìjvesMeveue) he´Meemeve
Þeer Deéeveer kegÀceej, hetJe& -DeO³e#e SJeb heýebOe efveosMekeÀ, Sce. Sme. meer.(jmee³eve), meerSDeeF&DeeF&yeer yeQeEkeÀie meom³e
osvee yeQkeÀ
Þeerceleer Sefueme peer Jewod³eve, DeO³e#e SJeb heýebOe efveosMekeÀ, heerpeer (Debie´speer), SHeÀDeeF&DeeF&DeeF& yeercee heosve meom³e
peerDeeF&meer efj
Þeer efyeceueWog ®e¬eÀyeleea yeer.keÀe@ce.(Deeveme&), SmeerS heýebOeve, efJeÊe SJe uesKee iewj mejkeÀejer meom³e
Þeer jJeervê veeLe ®elegJexoer yeer.keÀe@ce., SHeÀmeerS, [erDeeFSmeS efJeÊe SJe uesKee iewj mejkeÀejer meom³e
Þeer Deej ®ebêMesKejve yeer.keÀe@ce., [erSceSme, meerSDeeF&DeeF&yeer, yeercee iewj mejkeÀejer meom³e
DeeFmeer[yuetS (DeeF&), mee|ìefHeÀkesÀì Fve
keÀch³egìj mee@HeÌìJesj, SHeÀDeeF&DeeF&DeeF&,
SmeerDeeF&DeeF& (³etkesÀ), SDeeF&DeejSce (³etkesÀ)
* efoveebkeÀ 01.08.2018$
57
Je<e& 2017-2018 kesÀ oewjeve efJeefYeVe meefceefle³eeW kesÀ meom³e

keÀe³e&keÀejer meefceefle kesÀ meom³e
veece Je heoveece yewþkeÀeW ceW GheeqmLeefle kegÀue yewþkeÀ MegukeÀ heóÊe
Þeer Jeer. kesÀ. Mecee& 06 ueeiet vener
Þeerceleer T<ee meebieJeeve 06 ueeiet vener
Þeer Deéeveer kegÀceej 06 10,000
Þeerceleer Sefueme peer Jewod³eve 04 ueeiet vener
Þeer nsceble Yeeie&Je 05 ueeiet vener
Þeer yeer JesCetieesheeue (efJeMes<e DeefleefLe 08.05.2017 mes) 04 ueeiet vener
Þeerceleer megveerlee Mecee& (efJeMes<e DeefleefLe 08.05.2017 mes) 04 ueeiet vener
Je<e& 2017-18 kesÀ oewjeve ín keÀe³e&keÀejer meefceefle keÀer yewþkeÀes keÀe Dee³eespeve efkeÀ³ee ie³ee ~
efveJesMe meefceefle kesÀ meom³e
Þeer efiejerMe ®evê cegcet& 06 ueeiet vener
Þeer nsceble Yeeie&Je (08.05.2017 mes) 06 ueeiet vener
Þeerceleer megveerlee Mecee& (08.05.2017 mes) 06 ueeiet vener
Þeer efovesMe heble 06 ueeiet vener
Þeer yeer JesCetieesheeue (efJeMes<e DeefleefLe 08.05.2017 mes) 06 ueeiet vener
Je<e& 2017-18 kesÀ oewjeve ín efveJesMe meefceefle keÀer yewþkeÀes keÀe Dee³eespeve efkeÀ³ee ie³ee ~
uesKee hejer#eCe meefceefle kesÀ meom³e
Þeerceleer T<ee meebieJeeve (08.05.2017 lekeÀ) -- ueeiet vener
Þeer yeer JesCetieesheeue ( 08.05.2017 mes) 05 ueeiet vener
Þeer jJeervê veeLe ®elegJexoer (09.02.2018 mes) 01 10,000
Je<e& 2017-18 kesÀ oewjeve heeb®e uesKee hejer#eCe meefceefle keÀer yewþkeÀes keÀe Dee³eespeve efkeÀ³ee ie³ee ~
peesefKece heýebOeve meefceefle kesÀ meom³e
Þeer yeer JesCetieesheeue 04 ueeiet vener
Þeer efyeceueWog ®e¬eÀJeleea ( 09.02.2018 mes) 01 10,000
Je<e& 2017-18 kesÀ oewjeve ®eej peesefKece heýebOeve meefceefle keÀer yewþkeÀes keÀe Dee³eespeve efkeÀ³ee ie³ee ~
hee@efuemeerOeejkeÀ mebj#eCe meefceefle kesÀ meom³e
Þeer nsceble Yeeie&Je 04 ueeiet vener
Þeer Deej ®ebêMesKejve ( 09.02.2018 mes) 01 10,000
Je<e& 2017-18 kesÀ oewjeve ®eej yewþkeÀes keÀe Dee³eespeve efkeÀ³ee ie³ee ~
58
58
YeJeve meueenkeÀej meefceefle kesÀ meom³e

Þeerceleer T<ee meebieJeeve (09.02.2018 mes) -- ueeiet vener
Þeer yeer JesCetieesheeue (08.05.2017 mes 09.02.2018 lekeÀ) 01 ueeiet vener
Þeerceleer megveerlee Mecee& (08.05.2017 mes 09.02.2018 lekeÀ) 01 ueeiet vener
Þeer S yeer JewÐe 01 10,000
[e@ meewefJekeÀ yevespeea -- --
Þeer efyeceueWog ®e¬eÀyeleea ( 09.02.2018 mes) -- --
Je<e& 2017-18 kesÀ oewjeve SkeÀ YeJeve meueenkeÀej meefceefle keÀer yewþkeÀ keÀe Dee³eespeve efkeÀ³ee ie³ee ~
ueeYe meefnle meefceefle kesÀ meom³e
Þeer Deej ®ebêMesKejve ( 09.02.2018 mes) -- --
Þeer Sve Sce ieesJeOe&ve 01 10,000
Þeer efovesMe heble ( 08.05.2017 mes) 01 ueeiet vener
Je<e& 2017-18 kesÀ oewjeve SkeÀ ueeYe meefnle ®egveeJe meefceefle keÀer yewþkeÀ keÀe Dee³eespeve efkeÀ³ee ie³ee ~
heeefjÞeefcekeÀ meefceefle kesÀ meom³e
Þeer efiejerMe ®evê cegcet& 02 ueeiet vener
Þeer Deéeveer kegÀceej 02 ueeiet vener
Þeerceleer Sefueme peer Jewod³eve -- ueeiet vener
Je<e& 2017-18 kesÀ oewjeve oes heeefjÞeefcekeÀ meefceefle keÀer yewþkeÀ keÀe Dee³eespeve efkeÀ³ee ie³ee ~
efJeueHegÀue ef[HeÀuìj meceer#ee meefceefle kesÀ meom³e
Þeer Jeer. kesÀ. Mecee& -- ueeiet vener
Þeer Deéeveer kegÀceej -- ueeiet vener
Je<e& 2017-18 kesÀ oewjeve SkeÀ Yeer yewþkeÀ keÀe Dee³eespeve vener efkeÀ³ee ie³ee ~
Mes³ejOeejkeÀ efveosMekeÀ ®egveeJe meefceefle kesÀ meom³e
Þeer Jeer. kesÀ. Mecee& -- ueeiet vener
Þeer nsceble Yeeie&Je ( 08.05.2017 mes) -- ueeiet vener
met®evee heéwÐeesefiekeÀer meb®eeueve meefceefle kesÀ meom³e
Þeerceleer T<ee meebieJeeve -- ueeiet vener
Þeer efyeceueWog ®e¬eÀyeleea -- ueeiet vener
Þeer jJeervê jJeerê veeLe ®elegJexoer -- ueeiet vener
59
Je<e& 31.03.2018 keÀes efveiece kesÀ Jeefj<þ DeefOekeÀejer

Þeer Mecee& Jeer kesÀ Þeer MeefMe kegÀceej S®e.Sme.
DeO³e#e efveosMekeÀ, he´.efJe.kesÀ., cegbyeF&
Þeerceleer meebieJeeve T<ee Þeer Leeceesojve Deej.
heýebOe efveosMekeÀ #es$eer³e heýebOekeÀ (heÝeejer), #es$eer³e keÀe³ee&ue³e, ®esVeF&.
Þeer Yeeie&Je nsceble megÞeer efkeÀjCe menosJe
heýebOe efveosMekeÀ keÀe³e&keÀejer efveosMekeÀ (ceemebefJe/efmeefJe/efve³ees), kesÀvêer³e keÀe³ee&ue³e, cegbyeF&.
Þeer JesCetieesheeue yeer Þeer ®eewOejer jefJe
heýebOe efveosMekeÀ hećegKe meleke&Àlee DeefOekeÀejer, peerDeeF&meer. efj., cegbyeF&.
Þeerceleer Mecee& megveerlee Þeer veuueekegÀÆeueced Sme.
heýebOe efveosMekeÀ heé®ee³e&, #es$eer³e heéfMe#eCe kesÀvê, ®esVeF&.
Þeer keÀC[Jeeue jepesMe Þeer JesCetieesheeue heer.
heýebOe efveosMekeÀ SJeb hećegKe keÀe³e&keÀejer DeefOekeÀejer, yenjerve (SueDeeF&meer) cenemeef®eJe, Yeejleer³e yeercee mebmLeeve, cegbyeF&.
Þeer meen Jeer. Þeer veeiev³eeue kesÀ.Sme.
hećegKe keÀe³e&keÀejer (SueDeeF&meer, S®eSHeÀSue), kesÀvêer³e keÀe³ee&ue³e, cegbyeF& #es$eer³e heýebOekeÀ (heÝeejer), #es$eer³e keÀe³ee&ue³e, keÀesuekeÀelee.
Þeer ÞeerJeemleJe Sme. Þeer efJekeÀeme jeJe meer.
keÀe³e&keÀejer efveosMekeÀ (keÀee|cekeÀ), kesÀvêer³e keÀe³ee&ue³e, cegbyeF& #es$eer³e heýebOekeÀ (heÝeejer), #es$eer³e keÀe³ee&ue³e, heìvee
megÞeer ef[Keues Sme.Sme. Þeer efmeLeeLe&ve ìer.
keÀe³e&keÀejer efveosMekeÀ (efJeheCeve/Glheeove efJekeÀeme),kesÀvêer³e keÀe³ee&ue³e, cegbyeF& DeefleefjÊeÀ efveosMekeÀ, #es$eer³e heéfMe#eCe kesÀvê, ®esVeF&.
Þeer ieCesMe kesÀ. Þeer oeme [er.
keÀe³e&keÀejer efveosMekeÀ (ieénkeÀ mebyebOe heýebOeve), kesÀvêer³e keÀe³ee&ue³e, cegbyeF&. efveosMekeÀ, #es$eer³e heéfMe#eCe kesÀvê, keÀesuekeÀelee.
Þeer kegÀceej Sce.Deej. Þeer jceveejeJe Sme.Jeer.
#es$eer³e heýebOekeÀ (heÝeejer), #es$eer³e keÀe³ee&ue³e, efouueer. keÀe³e&keÀejer efveosMekeÀ (nsuLe yeercee),kesÀvêer³e keÀe³ee&ue³e, nwêeyeeo.
Þeer Deevevo efJeefheve Þeer meto Deej.kesÀ.
#es$eer³e heýebOekeÀ (heÝeejer), #es$eer³e keÀe³ee&ue³e, cegbyeF&. keÀe³e&keÀejer efveosMekeÀ (mebheoe SJeb keÀe.mes.) kesÀvêer³e keÀe³ee&ue³e, cegbyeF&
Þeer DeiejJeeue veerjpe Þeer jekesÀMe kegÀceej
keÀe³e&keÀejer efveosMekeÀ (DeebleefjkeÀ uesKee hejer#eCe), kesÀvêer³e keÀe³ee&ue³e, cegbyeF& DeefleefjÊeÀ efveosMekeÀ, he´.efJe.kesÀ., cegbyeF&
Þeer ®eeJeuee Sve.heer. Þeer ye@vepeea [er.kesÀ.
#es$eer³e heýebOekeÀ (heÝeejer), #es$eer³e keÀe³ee&ue³e, keÀevehetj. heéosefMekeÀ heýebOekeÀ (DeefYe³eebef$ekeÀer), kesÀvêer³e keÀe³ee&ue³e, cegbyeF&.
Þeer mel³ee kegÀceej Jeer. Þeer eEmeIeue kesÀ.kesÀ.
hećegKe keÀe³e&keÀejer (SueDeeF&meer S®eSHeÀSue-kesÀDej nescme), kesÀvêer³e keÀe³ee&ue³e, cegyb eF& efveosMekeÀ, #es$eer³e heéfMe#eCe kesÀvê, hegves
Þeer megoMe&ve Deej. Þeer oÊee Deej.meer.
keÀe³e&keÀejer efveosMekeÀ (efvejer#eCe), kesÀvêer³e keÀe³ee&ue³e, cegbyeF& keÀe³e&keÀejer efveosMekeÀ (efve.³ees./ve.he´.), kesÀvêer³e keÀe³ee&ue³e, cegbyeF&.
Þeer megmeerue kegÀceej ìer.meer. Þeer ®eeJeuee peer.Sme.
#es$eer³e heýebOekeÀ (heÝeejer), #es$eer³e keÀe³ee&ue³e, nwojeyeeo. keÀe³e&keÀejer efveosMekeÀ (met®evee heéwÐeesefiekeÀer/mebmeeOekeÀ efJekeÀeme), kesÀ.keÀe.,cegbyeF&
Þeer ieghlee cegkesÀMe kegÀceej Þeerceleer jlvece veefueveer Sce.
#es$eer³e heýebOekeÀ (heÝeejer), #es$eer³e keÀe³ee&ue³e, Yeesheeue keÀe³e&keÀejer efveosMekeÀ (ve³ee J³eJemee³e SJeb Hegveyeeacee),kesÀvêer³e keÀe³ee&ue³e, cegbyeF&
Þeer jepe kegÀceej Þeer hebieleer efovesMe kesÀ.
hećegKe keÀe³e&keÀejer (SueDeeF&meer SScemeer efue.),kesÀvêer³e keÀe³ee&ue³e, cegbyeF& keÀe³e&keÀejer efveosMekeÀ (SueDeeF&meer S®eSHeÀSue S®eSScemeer efue.), kesÀvêer³e keÀe³ee&ue³e, cegyb eF&
60
60
Þeer ceesnvleer [er.heer. Þeerceleer jsvegkeÀe Sme.

keÀe³e&keÀejer efveosMekeÀ (DeeF&.ìer./yeerheerDeej), kesÀvêer³e keÀe³ee&ue³e, cegbyeF& hećegKe (ieénkeÀ mebyebOe heýebOeve), #es$eer³e keÀe³ee&ue³e, cegbyeF&.
Þeer eEmen Sme.meer. Þeer mebiece heer kesÀ
keÀe³e&keÀejer efveosMekeÀ (yees[& meef®eJeeue³e peer.pes.SHeÀ.), kesÀvêer³e keÀe³ee&ue³e, cegyb eF&. cegK³e DeefYe³eblee (DeefYe³eebef$ekeÀer), #es$eer³e keÀe³ee&ue³e, nwêeyeeo.
Þeer pewve heer.kesÀ. Þeer ieghlee Deefveue
keÀe³e&keÀejer efveosMekeÀ (efveJesMe : cee@efve/DekeÀeQìdme), kesÀvêer³e keÀe³ee&ue³e, cegbyeF& hećegKe (heÝeejer)(he´l³e#e efJeheCeve), kesÀvêer³e keÀe³ee&ue³e, cegbyeF&
Þeer ceesuejer heer.kesÀ. Þeer heìveeF&keÀ yeer.meer.
keÀe³e&keÀejer efveosMekeÀ (efveJesMe/heefj®eeueve / efJeÊe SJeb uesKee), kesÀvêer³e heéosefMekeÀ heýebOekeÀ (efJeheCeve) #es$eer³e keÀe³ee&ue³e, cegbyeF&
keÀe³ee&ue³e, cegbyeF&. Þeer Deveghe kegÀceej
Þeer kegÀceej jekesÀMe heéosefMekeÀ heýebOekeÀ (efJeheCeve), #es$eer³e keÀe³ee&ue³e, heìvee.
keÀe³e&keÀejer efveosMekeÀ (yew.SM³eg./JewkeÀequhekeÀ heĆeeueer), kesÀvêer³e keÀe³ee&ue³e, cegbyeF&. Þeer peesMeer [er.Sve.
Þeer jepeerJeve vee³ej kesÀ. hećegKe (efJeheCeve) kesÀvêer³e keÀe³ee&ue³e, cegbyeF&
keÀe³e&keÀejer efveosMekeÀ (ceg.peer.heer.Sme./met#ce yeercee),kesÀvêer³e keÀe³ee&ue³e, cegbyeF&
Þeer js·er kesÀ.Sme.
Þeerceleer pewve jsCeg heéosefMekeÀ heýebOekeÀ (efJeheCeve) #es$eer³e keÀe³ee&ue³e, cegbyeF&
efveosMekeÀ, #es$eer³e heéfMe#eCe kesÀvê, peceMesohegj
megÞeer keÀewue veJeerve
Þeerceleer pe³eÞeer S.Sme. hećegKe (Deej.ìer.DeeF&./meer.heer.DeeF&.Dees), kesÀvêer³e keÀe³ee&ue³e, cegbyeF&.
efveosMekeÀ, #es$eer³e heéfMe#eCe kesÀvê, Yeesheeue.
Þeer keÀefojsmeve kesÀ.
Þeer jepemesKej Sme. hećegKe (efveJesMe/he´®eeueve), kesÀvêer³e keÀe³ee&ue³e, cegbyeF&.
efveosMekeÀ, #es$eer³e heéfMe#eCe kesÀvê, nwojeyeeo
Þeer Yeiele efovesMe kesÀ.
Þeer efmevne Sve.heer. heéosefMekeÀ heýebOekeÀ (keÀe. SJeb Deew.meb.), #es$eer³e keÀe³ee&ue³e, efouueer.
efveosMekeÀ, #es$eer³e heéfMe#eCe kesÀvê, ieg[ieebJe
Þeer kegÀceej censvê
Þeer ceseqvojÊee ìer.Deej. heéosefMekeÀ heýebOekeÀ (efJeheCeve) #es$eer³e keÀe³ee&ue³e, efouueer.
heéosefMekeÀ heýebOekeÀ (heWMeve SJeb mecetn ³eespevee), #es$eer³e keÀe³ee&ue³e, efouueer.
Þeer he´keÀeMe ®ebo
Þeer Jecee& Sce.Sce.Sue. hećegKe keÀe³e&keÀejer (SueDeeF&meer meerSmeSue), kesÀvêer³e keÀe³ee&ue³e, efouueer.
cenemeef®eJe (F&meerDeesDeeF&), kesÀvêer³e keÀe³ee&ue³e, cegbyeF&.
Þeer mJee|ieDejer S.
Þeer ceesnvleer Sme. heéosefMekeÀ heýebOekeÀ (heWMeve SJeb mecetn ³eespevee), #es$eer³e keÀe³ee&ue³e, cegbyeF&
heéosefMekeÀ heýebOekeÀ (efJeOeer), kesÀvêer³e keÀe³ee&ue³e, cegbyeF&.
Þeer efceÞee heer.kesÀ.
Þeerceleer DeeF&he efceveer cegK³e DeefYe³eblee (DeefYe³eebef$ekeÀer), #es$eer³e keÀe³ee&ue³e, keÀesuekeÀelee.
hécegKe keÀe³e&keÀejer (SueDeeF&meer, S®eSHeÀSmeue S®eSHeÀSue, SHeÀmeerSue),kesÀvêer³e keÀe³ee&ue³e, cegyb eF&
Þeerceleer ®ebêe efveªhecee
Þeer oeme Sme.kesÀ. heéosefMekeÀ heýebOekeÀ (keÀe.mes), #es$eer³e keÀe³ee&ue³e, efouueer.
hećegKe (efveJesMe/pees.he´.DevegmebOeeve), kesÀvêer³e keÀe³ee&ue³e, cegbyeF&.
Þeerceleer ®e¬eÀyee|le Dee|helee Sme.
Þeer mekeÌmesvee Jeer.kesÀ. heéosefMekeÀ heýebOekeÀ (ieénkeÀ mebyebOe heýebOeve), #es$eer³e keÀe³ee&ue³e, keÀesuekeÀelee.
cegK³e DeefYe³eblee (DeefYe³eebef$ekeÀer), #es$eer³e keÀe³ee&ue³e, efouueer.
Þeer kegÀceej heéfJeCe
Þeer Deefveue kegÀceej pes. hećegKe (veJe J³eJemee³e SJeb hegveyeeacee), kesÀvêer³e keÀe³ee&ue³e, cegbyeF&.
heéosefMekeÀ heýebOekeÀ (mebheoe SJeb keÀe.mes.) #es$eer³e keÀe³ee&ue³e, ®esVeF&.
Þeer ceeskeÀeMeer Sme.Sve.
Þeer pes³ee ceesnve ceefmeue. heer. heéosefMekeÀ heýebOekeÀ (mebheoe), #es$eer³e keÀe³ee&ue³e, cegbyeF&.
heéosefMekeÀ heýebOekeÀ (keÀe. SJeb Deew.meb.), #es$eer³e keÀe³ee&ue³e, ®esVeF&.
Þeerceleer heveJeej heérefle
Þeer jepeg GheeO³ee³e hećegKe keÀe³e&keÀejer DeefOekeÀejer (SueDeeF&meer- heWMeve HebÀ[), kesÀvêer³e keÀe³ee&ue³e, cegyb eF&
cegK³e DeefYe³eblee (DeefYe³eebef$ekeÀer), #es$eer³e keÀe³ee&ue³e, ®esVeF&.
61
Þeer jeJe ÞeerOeje heer. Þeer Depeerle kegÀceej Sue.

hećegKe (efveJesMe/cee@efve.), kesÀvêer³e keÀe³ee&ue³e, cegbyeF&. heéosefMekeÀ heýebOekeÀ (ieénkeÀ mebyebOe heýebOeve), #es$eer³e keÀe³ee&ue³e, cegbyeF&.
Þeer cegKepeea S. Þeer Kesj Sme.heer.
efveosMekeÀ (Yee.yeer.mebmLeeve), kesÀvêer³e keÀe³ee&ue³e, cegbyeF& (yeercee SkesÀ[ceer). hećegKe (efveJesMe/cee@efve.), kesÀvêer³e keÀe³ee&ue³e, cegbyeF&.
Þeer Jecee& mebpe³e Þeer jmleesieer mebpe³e
heéosefMekeÀ heýebOekeÀ (ieénkeÀ mebyebOe heýebOeve), #es$eer³e keÀe³ee&ue³e, efouueer. heéosefMekeÀ heýebOekeÀ (mebheoe SJeb keÀe.mes.), #es$eer³e keÀe³ee&ue³e, keÀevehetj.
megÞeer mesþ Fvee Þeer kegÀceej jepeWê
heéosefMekeÀ heýebOekeÀ (ieénkeÀ mebyebOe heýebOeve), #es$eer³e keÀe³ee&ue³e, Yeesheeue. cegK³e DeefYe³eblee (DeefYe³eebef$ekeÀer), #es$eer³e keÀe³ee&ue³e, Yeesheeue.
Þeer meesce [er. Þeer cegjueerOejve heer
heéosefMekeÀ heýebOekeÀ (keÀe.mes.), #es$eer³e keÀe³ee&ue³e, keÀesuekeÀelee. heéosefMekeÀ heýebOekeÀ (efJeheCeve), #es$eer³e keÀe³ee&ue³e, ®esVeF&.
Þeerceleer oeme keÀ©vee kesÀ. Þeerceleer ketÀhhe³eer Deej
hećegKe (DeebleefjkeÀ uesKee hejer#eCe), kesÀvêer³e keÀe³ee&ue³e, cegbyeF&. cegK³e DeefYe³eblee (DeefYe³eebef$ekeÀer), kesÀvêer³e keÀe³ee&ue³e, cegbyeF&.
Þeer efJeveesoekegÀceejer heer. Þeerceleer Iees<e heeschee
heéosefMekeÀ heýebOekeÀ (keÀe. SJeb Deew.meb.), #es$eer³e keÀe³ee&ue³e, nwojeyeeo. heéosefMekeÀ heýebOekeÀ (mebheoe), #es$eer³e keÀe³ee&ue³e, efouueer.
Þeer yesnsje Sme. Þeer yeeueeieesheeue Jner
hećegKe (Sme.yeer.S.) kesÀvêer³e keÀe³ee&ue³e, cegbyeF& mebkeÀe³e meom³e, jeäêr³e yeercee SkesÀ[ceer, hegves.
Þeer mesve p³eesleerkegÀceej Þeerceleer Jecee& efJeOet
Ghe. heé®ee³e&, #es$eer³e heéfMe#eCe kesÀvê, nwojeyeeo. heéosefMekeÀ heýebOekeÀ (keÀe. SJeb Deew.meb.), #es$eer³e keÀe³ee&ue³e, cegbyeF&
Þeer Fueebiees Sme. Þeer efceÞee yeer Sme
cegK³e DeefYe³eblee (DeefYe³eebef$ekeÀer), kesÀvêer³e keÀe³ee&ue³e, cegbyeF&. heéosefMekeÀ heýebOekeÀ (efJeheCeve), #es$eer³e keÀe³ee&ue³e, Yeesheeue.
Þeerceleer ieie& meefjlee Þeer ieghlee jepeerJe
hećegKe (DeeF&.ìer./yeerheerDeej), kesÀvêer³e keÀe³ee&ue³e, cegbyeF&. hećegKe (DeeF&ìer/Sme[ermeer), kesÀvêer³e keÀe³ee&ue³e, cegbyeF&.
Þeer hee@ue [er.Sme. Þeer MebkeÀje jepet heer Deej
cegK³e DeefYe³eblee (DeefYe³eebef$ekeÀer), kesÀvêer³e keÀe³ee&ue³e, cegbyeF&. heéosefMekeÀ heýebOekeÀ (ieénkeÀ mebyebOe heýebOeve), #es$eer³e keÀe³ee&ue³e, ®esVeF&.
Þeer mJeeefceveeLeve kesÀ. Þeer heueveermJeeceer Deej
heéosefMekeÀ heýebOekeÀ (keÀe. SJeb Deew.meb.), #es$eer³e keÀe³ee&ue³e, keÀevehetj. hećegKe (ieénkeÀ mebyebOe heýebOeve), kesÀvêer³e keÀe³ee&ue³e, cegbyeF&.
Þeerceleer Kesj heer. Þeer kegÀjerue efJeveeso
hećegKe (keÀ.meb), kesÀvêer³e keÀe³ee&ue³e, cegbyeF& heéosefMekeÀ heýebOekeÀ (ieénkeÀ mebyebOe heýebOeve), #es$eer³e keÀe³ee&ue³e, keÀevehetj
Þeer vee[keÀCeea Sme.Sme. Þeer jepeejceCe Deej pes
hećegKe (keÀe.mes.),kesÀvêer³e keÀe³ee&ue³e, cegbyeF& heéosefMekeÀ heýebOekeÀ (keÀe. SJeb Deew.meb.), #es$eer³e keÀe³ee&ue³e, Yeesheeue.
Þeer je@³e heer.yeer. Þeer Deefpe]pegÎerve Sce [er
heéosefMekeÀ heýebOekeÀ (mebheoe), #es$eer³e keÀe³ee&ue³e, keÀesuekeÀelee heéosefMekeÀ heýebOekeÀ (efJeheCeve), #es$eer³e keÀe³ee&ue³e, yeWieeueg©.
Þeer Deevebo S.kesÀ. Þeerceleer yeeyet kesÀ meer
hećegKe (efveJesMe/he´®eeueve), kesÀvêer³e keÀe³ee&ue³e, cegbyeF&. hećegKe (mebheoe ), kesÀvêer³e keÀe³ee&ue³e, cegbyeF&.
Þeer JeWkeÀìsmJejve Sme. Þeer veeiesMe Sme
heéosefMekeÀ heýebOekeÀ (ieénkeÀ mebyebOe heýebOeve), #es$eer³e keÀe³ee&ue³e, nwojeyeeo. Ghe. heé®ee³e&, #es$eer³e heéfMe#eCe kesÀvê, hegves
Þeer veboe S®e. Þeer eEmen ³eesieWê
hećegKe (DeeF&ìer/Sme[ermeer), kesÀvêer³e keÀe³ee&ue³e, cegbyeF&. heéosefMekeÀ heýebOekeÀ (efJeheCeve), #es$eer³e keÀe³ee&ue³e, keÀevehetj

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Þeerceleer jecee jeJe meeefJe$eer Þeer ueeefnjer S

heéosefMekeÀ heýebOekeÀ (mebheoe SJeb keÀe.mes.), #es$eer³e keÀe³ee&ue³e, nwêeyeeo. heéosefMekeÀ heýebOekeÀ (keÀe. SJeb Deew.meb.), #es$eer³e keÀe³ee&ue³e, heìvee.
Þeerceleer meesceCe Sme Sme Þeer ieésJej S
hećegKe (efveJesMe/he´®eeueve), kesÀvêer³e keÀe³ee&ue³e, cegbyeF&. meeceev³e heýebOekeÀ (SueDeeF&meer S®eSHeÀSue SScemeer), kesÀvêer³e keÀe³ee&ue³e, cegbyeF&
Þeer ceerCee kesÀ Deej Þeer þekegÀj Sme kesÀ
hećegKe ((efJeheCeve), kesÀvêer³e keÀe³ee&ue³e, cegbyeF&. meeceev³e heýebOekeÀ (SueDeeF&meer S®eSHeÀSue), kesÀvêer³e keÀe³ee&ue³e, cegbyeF&
Þeer veeieejepee jeJe heer Jeer Sme Þeer ogyes Deej kesÀ
hećegKe (heWMeve SJeb mecetn ³eespevee), kesÀvêer³e keÀe³ee&ue³e, cegbyeF&. hećegKe (³egefuehe),kesÀvêer³e keÀe³ee&ue³e, cegbyeF&.
Þeer Mecee& Ss kesÀ Þeer eEmen Deej heer
heéosefMekeÀ heýebOekeÀ (efJeheCeve), #es$eer³e keÀe³ee&ue³e, keÀesuekeÀelee hećegKe (heWMeve SJeb mecetn ³eespevee), kesÀvêer³e keÀe³ee&ue³e, cegbyeF&.
Þeer pewve Sme Sce Þeer ieghlee Deej heer
hećegKe (efJeÊe SJeb uesKee), kesÀvêer³e keÀe³ee&ue³e, cegbyeF& heéosefMekeÀ heýebOekeÀ (mebheoe SJeb keÀe.mes.), #es$eer³e keÀe³ee&ue³e, heìvee.
Þeer eEmen jeflekeÀeblee Þeer mesve pes
Ghe. heé®ee³e&, #es$eer³e heéfMe#eCe kesÀvê, keÀesuekeÀelee heýebOe efveosMekeÀ SJeb hećegKe keÀe³e&keÀejer DeefOekeÀejer, (SHeÀpeerSue) ÞeeruebkeÀe
megÞeer Debie³ej keÀefVe Sce Þeer hee@ue Sme
mebkeÀe³e meom³e, #es$eer³e heéfMe#eCe kesÀvê, ®esVeF&. heéosefMekeÀ heýebOekeÀ (SueDeeF&meer S®eSHeÀSue), heéosefMekeÀ keÀe³ee&ue³e, Yeesheeue.
Þeerceleer heëJeleer Jee³e Jeer Þeer Meecemegboj Sue kesÀ
hećegKe (Deeblejjeäêr³e he´®eeueve ),kesÀvêer³e keÀe³ee&ue³e, cegbyeF&. mebkeÀe³e meom³e, jeäêr³e yeercee SkesÀ[ceer, hegves.
Þeer oemeieghlee heer Þeer GvnsuekeÀj yeer kesÀ
heéosefMekeÀ heýebOekeÀ (efJeheCeve), #es$eer³e keÀe³ee&ue³e, nwêeyeeo. Dees. Sme. [er., kesÀvêer³e keÀe³ee&ue³e, cegbyeF&
Þeer ÞeerJeemleJe S Þeer efÜJesoer heer
heéosefMekeÀ heýebOekeÀ (mebheoe SJeb keÀe.mes.), #es$eer³e keÀe³ee&ue³e, Yeesheeue. meeceev³e heýebOekeÀ (SueDeeF&meer heWMeve HebÀ[), kesÀvêer³e keÀe³ee&ue³e, cegbyeF&
Þeer heÝeekeÀj jeJe Sve megÞeer njueerve ieewyee
heéosefMekeÀ heýebOekeÀ (SueDeeF&meer S®eSHeÀSue.), heéosefMekeÀ keÀe³ee&ue³e,keÀesuekeÀelee heéosefMekeÀ heýebOekeÀ (keÀe. SJeb Deew.meb), #es$eer³e keÀe³ee&ue³e, keÀesuekeÀelee
Þeer megceve Deej kesÀ Þeer kesÀccet Sce kesÀ
cegK³e DeefYe³eblee (DeefYe³eebef$ekeÀer), #es$eer³e keÀe³ee&ue³e, heìvee heéosefMekeÀ heýebOekeÀ (heWMeve SJeb mecetn ³eespeve), #es$eer³e keÀe³ee&ue³e, keÀesuekeÀelee
Þeer eEmen yeueJeble Þeer DejbOeje leheve
mebkeÀe³e meom³e, #es$eer³e heéfMe#eCe kesÀvê, Yeesheeue. heéosefMekeÀ heýebOekeÀ (heWMeve SJeb mecetn ³eespeve), #es$eer³e keÀe³ee&ue³e, efouueer.
Þeer efceÊeue Sve kesÀ Þeer ieewæ[ efJemJeveeLee Jee³e
hećegKe (efJeÊe SJeb uesKee), kesÀvêer³e keÀe³ee&ue³e, cegbyeF& heéosefMekeÀ heýebOekeÀ (SueDeeF&meer S®eSHeÀSue), heéosefMekeÀ keÀe³ee&ue³e, nwêeyeeo.
Þeer ceequuekeÌkeÀ he´Jele kegÀceej Þeer JeveJej peer Sme
cegK³e DeefYe³eblee (DeefYe³eebef$ekeÀer), #es$eer³e keÀe³ee&ue³e, keÀevehetj hećegKe (keÀee|cekeÀ), kesÀvêer³e keÀe³ee&ue³e, cegbyeF&
Þeer oeref#ele mebpe³e Þeer kegÀceej keÀceue
heéosefMekeÀ heýebOekeÀ (SueDeeF&meer S®eSHeÀSue), heéosefMekeÀ keÀe³ee&ue³e, heìvee. heéosefMekeÀ heýebOekeÀ (ieénkeÀ mebyebOe heýebOeve), #es$eer³e keÀe³ee&ue³e, heìvee.
Þeer mecesue heer
meeceev³e heýebOekeÀ (SueDeeF&meer S®eSHeÀSue), kesÀvêer³e keÀe³ee&ue³e, cegbyeF&
Þeer Heble efovesMe

efve³egkeÌle yeerceekebÀve
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#esef$e³e meueenkeÀej yees[& kesÀ meom³e (31.03.2018 keÀes)

kesÀvêer³e Þes$e GÊejer #es$e
Þeer Jeer kesÀ Mecee&, DeO³e#e Þeer Jeer kesÀ Mecee&, DeO³e#e
Þeer DeeMeer<e pewve megÞeer cebpeerle keÀewj yebmeue
Þeer Sme kesÀ efleJeejer megÞeer jepe jeveer
megÞeer cesjer peeEkeÀlee yeeJee& [e@ veeef]pej Denceo efieuekeÀj
Þeer efye´pesMe iees³eue Þeer jepeerJe Keesmeuee
Þeer ye´pesMe keÀevetveiees Þeer efpeleWoj efmejkesÀkeÌkeÀ
megÞeer JewMeeueer censéejer [e@ jpeveerMe mekeÌmesvee
Þeer hebkeÀpe censéejer Þeer Jee³e heer Mecee&
[e@ meleerMe njCes [e@ vejefmeCCIe efyeVeeveer
Þeer eEmeIeue mebpe³e pewve Þeer jepesMe keÀl³eeue
Þeer keÀceuesMe kegÀceej Deie´Jeeue Þeer megveerue oÊe J³eeme
Þeer cegkesÀMe kegÀceej iegHlee, #es$eer³e heýebOekeÀ (heosve meom³e) Þeer Sce Deej kegÀceej , #es$eer³e heýebOekeÀ( heosve meom³e )
hetJeea #es$e oef#eCe ceO³e #es$e
Þeer meboerhe HeÀesiuee Þeer S®e Sme eEueiesMe
[e@ ceeFvekeÀ cegKepeea [e@ Sme Sce Kesves[
megÞeer jeKeer cegKepeea Þeer Sme DevebLee
megÞeer cecelee Dejesje megÞeer G<ee heÝee vee³ekeÀ
Þeer meblees<e kegÀceej efyemJeeme Þeer kesÀ efmeJeejecee kegÀceej
Þeer heeLe&meejLeer ®eewOegjer Þeer Sme efLe³eeiejepeve
Þeer efJekeÀeMe legJeeveer Þeer Deej jepeeieesheeueve
[e@ njceesnve oeme Þeer [er Deej he´meeoe jepeg
Þeer FbêsmJej oskeÀe [e@ [er jIegjeceve
[e@ mebkeÀj he´meeo YeÆe®ee³e& Þeer kesÀ peer pe³ejece
Þeer kesÀ.Sme. veeive³eeue, #es$eer³e heýebOekeÀ (heosve meom³e) Þeer megmeerue kegÀceej ìer. meer, #es$eer³e heýebOekeÀ ( heosve meom³e )
hetJe& ceO³e #es$e oef#eCe #es$e
[e@ oerhekeÀ eEkeÀ[es Þeer efoueerhe veeje³eCeve
megÞeer ceerje ogyes Þeer kesÀ JeWkeÀì®euece
heésHeÀ ([e@) megjsvê veeLe yesnje megÞeer MeesYee De³³ej
Þeer ieewjer heer[er hegjyes megÞeer hegefveLee ieCesmeve
Þeer Feqcle³ee]pe Denceo heésHeÀ kesÀ megyećeesefve³ece
Þeer jecee veeje³eCe ceesnbleer Þeer S kesÀ veeje³eCe
Þeer ye´ïee efyenejer heeb[e Þeer kesÀ ue#ceCee kegÀceej
[e@ he´JeerCe ®ebêe Þeer pescme hee@ue Jeuehheeruee
[e@ Depe³e kegÀceej eEmen Þeer SkesÀ Sme. peJeejerueeue pewve
Þeer DejeEJeo kegÀceej ©bielee [e@ pe³ekegÀceejer F&mekeÀ
Þeer meer efJekeÀeme jeJe, #es$eer³e heýebOekeÀ( heosve meom³e ) Þeer Deej. Leeceesojve, #es$eer³e heýebOekeÀ ( heosve meom³e )
GÊej ceO³e #es$e heeq½eceer #es$e
heésHeÀ hete|Cecee pewve heésHeÀ Yeejle met³e&Yeeve efMejmeej
heésHeÀ Sce DeeF. nkeÀ Þeer Yeejle yeer heìsue
Þeer DeefKeue jmleesieer Þeer efnlesMe Yeeue®evê jeJeue
Þeer Decegue keÀhetj [e@ jesMevekegÀceej Sce efYeieeefve³ee
[e@ DeMeglees<e kegÀceej efoef#ele heésHeÀ efiejerMe efYeceeveer
Þeer ìer Sme efye´pJeue [e@ (megÞeer) efkeÀleea heer kegÀuekeÀCeea
[e@ Sme Deej cegmeVee Þeer Deeveboe Jeer mebkeÀheeue
Þeer hebkeÀpe jmleesieer Þeer efyeefheveYeeF& Sce Meen
[e@ DeMeeskeÀ he´leehe eEmen [e@ efJeéeeme yeer ieebieg[x
megÞeer megefvelee eflenejer megÞeer ef®e$ee heer #eerjmeeiej
Þeer Sve heer ®eeJeuee, #es$eer³e heýebOekeÀ( heosve meom³e ) Þeer efJeefheve Deevebo, #es$eer³e heýebOekeÀ ( heosve meom³e )
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Je<e& 2017-2018 kesÀ oewjeve heeefuemeer OeejkeÀeW kesÀ heefj<eo kesÀ meom³e
ceO³e Þes$e melevee ceC[ue neJe[e ceC[ue keÀesuekeÀelee Gheveiej ceC[ue
Yeesheeue ceC[ue Þeer Sve. Sme. jeJele, Je.ceb . he´ . Þeer [er kesÀ ceeW[ue, Je.ceb.he´. Þeer ìer yewvepeea, Je.ceb.he´.
Þeer Sme Sme ®eheueesì, Je.ceb.he´. Þeer Deveble kegÀceej meesveer Þeer jyeervêveeLe efcem$eer [e@. (megÞeer) Deefvelee efyemJeeme
[e@. mebpeerJe peesnjer Þeerceleer meueesces ®eewefHeÀve megÞeer Mee|ceuee DeiejJeeue Þeer veeje³eCe ®ebê meene
Þeer Deeefol³e jepe ceesoer Þeer he´ o er h e leecejkeÀj Þeer he´JeerCe yeesLeje Þeer pe³eblee cegKeesheO³ee³e
Þeer jepesvê he´meeo ef$eheeþer Þeer Sme Sue he´peeheleer [e@. Deefveye&ve oÊee [e@ megÞeglee yebÐeesheeO³ee³e
megÞeer cesIee DeiejJeeue megÞeer j®evee ÞeerJeemleJe Þeer heeLe& oeme [e@. megYee<e je@³e
Þeer n<e&JeOe&ve iepeefYe³es Men[esue ceC[ue peueheeFiegæ[er ceC[ue efmeue®ej ceC[ue
efyeueemehegj ceC[ue Þeer DeeMeg l ees < e ef c eÞee, Je.ceb . he´ . Þeer efmeyee he´meeo heìveeFkeÀ, Je.ceb.he´. Þeer Sve yeesme, Je.ceb.he´.
Þeer Sme. yeer efceÞee, Je.ceb.he´. Þeer jpeveerMe keÀleejs Þeer he´mebefpele efce$ee megÞeer Dehe&Cee yewÐe
Þeer heJeve kegÀceej Deie´Jeeue Þeer GcesMe kegÀceej ieghlee [e@ megKec³eb iebieesheeO³ee³e [e@ ke=À<Cee Yepeve DeefOekeÀejer
megÞeer Gcee jeJe Þeer ef o hes M e ef l eJeejer Þeer megye´lee hee@ue Þeer DeeEjoce YeÆe®ee³e&
[e@ jepeerJe #es$eheeue Þeer GceeMebkeÀj keÀesue megÞeer ceveeceer ceb[ue Þeer mJeheve heeue
Þeer efkeÀMeesj kegÀceej heìsue megÞeer cesIee heJeej Þeer p³eeseflece&³e Pebheleer Þeer efyeéepeerle ®eewOejer
megÞeer ue#ceerCeve ìeW[s³e hetJe& Þes$e peesjneì ceC[ue hetJeea ceO³e Þes$e
iJeeefue³ej ceC[ue Deemevemeesue ceC[ue Þeer Sve Yegefle³ee Je.ceb.he´. yesietmeje³e ceC[ue
Þeer peer kesÀ pesvee, Je.ceb.he´. Þeer ®eeBo ieewjye, Je.ceb.he´. Þeer meescesmJej yeLeea Þeer De#e³e kegÀceej meent, Je.ceb.he´.
Þeer Deevebo ceesnve íehejJeeue Þeerceleer yeveeveer leuegkeÀoej Þeer veefyeve ®ebê oÊee Þeer efMeJe he´keÀeMe YeejÜepe
Þeer jcesMe jepehetle Þeer cegVet eEmen Þeer efyeefheve [esuee Þeer ceveespe kegÀceej Mecee&
megÞeer Meeryeer jmleesieer Þeer ceefvevê ceesnve cepetceoej megÞeer efyeCeeheeveer ieesmJeeceer megÞeer heé®eer
[e@ veeje³eCe eEmen kegÀMeJeene Þeer DeueeskeÀ pevee Þeer heĆeesye Yeejueer Þeer jekesÀMe kegÀceej
Þeer Sce meer yebefoue Þeer megye´lee mesveieghlee Keæ[iehegj ceC[ue Þeer jCepeerle kegÀceej
Fboewj ceC[ue yeOe&ceeve ceC[ue Þeer S mesveieghlee, Je.ceb.he´. yejnecehegj ceC[ue
Þeer jpele cegKepeea, Je.ceb.he´. Þeer heer kesÀ ceesnbleer, Je.ceb.he´. megÞeer Deheuee yesvepeea Þeer [er. kesÀ. vee³ekeÀ, Je.ceb.he´.
Þeer jekesÀMe Mecee& Þeer yeuejece meene Þeer leerLe& mebkeÀj nbmeoe Þeer yemeblee kegÀceej meent
Þeer F&éej Mecee& megÞeer vesne Deie´Jeeue Þeer kegbÀleue kegÀceej oÊee Þeer ceveespe kegÀceej Deie´Jeeue
Þeer ceveer<e kegÀceej MebKeuee Þeer heóerhe Ss®e [e@ megeqmcele hee$ee Þeer jbpeerle heæ{er
[e@ jepeWê Jecee& [e@ metmevlee kegÀceej oeme Þeer megefyeceue yemekeÀ megÞeer ìer ef®ejbpeerJeer
megÞeer De®e&vee osKeeCes Þeer DeMeeskeÀ kegÀceej ceeW[ue keÀesuekeÀelee cesìês ceC[ue- I Þeer jece ®ebê vee³ekeÀ
peyeuehegj ceC[ue yeeWieF&ieebJe ceC[ue Þeer peer yebÐeesheeO³ee³e, Je.ceb.he´. Yeeieuehegj ceC[ue
Þeer kesÀ Deej yeeuemegyećeefve³eve, Je.ceb.he´. Þeer ìer kesÀ ueekeÀje, ce.he´. (heÝeejer) Þeer metjpeerle ceueekeÀj Þeer Sme Sme Denceo, Je.ceb.he´.
[e@ megceerle heemeer Þeer keÀvet ueeue oeme Þeer yemegosye Mee@ Þeer keÀecejeve Keeve
[e@ (megÞeer) heérefle jsKee ®ebêe megÞeer ceeW[ue oeme megÞeer ceesefveefohee efyemJeeme Þeer efovesMe heemeJeeve
Þeer Deleervê meene Þeer Deyogue keÀjerce Þeer DeJevleer kegÀceej megÞeer jeveer kegÀceejer
Þeer he´JesMe Jecee& megÞeer megpeelee hemee³ele Þeer meboerhe HeÀesiuee Þeer DejeEJeo Pee
Þeer Debpevee kegÀjefj³ee [e@. efJekeÀeMe legJeeveer keÀesuekeÀelee cesìês ceC[ue -II Þeer keÀceue kegÀceej efmevne
je³ehegj ceC[ue ieesJeeneìer ceC[ue Þeer kesÀ kesÀ Iees<eeue, Je.ceb.he´. YegJeveséej ceC[ue
Þeer he´keÀeMe efmevne, Je.ceb.he´. Þeer efyepe³e kegÀceej heeb[e, Je.ceb.he´. megÞeer megefcelee oeme Iees<e Þeer Sue heer oeme, Je.ceb.he´.
Þeer ceveer<e jepe eEmeIeeefve³ee Þeer hebkeÀpe mejcee Þeer efyejsvê Mee@ Þeer efpeleWê kegÀceej efceÞee
Þeer megjsMe ieebOeer megÞeer ®evovee oeme Þeer YeemkeÀj ®eewOejer Þeer he´Meeblee kegÀceej heìvee³ekeÀ
Þeer Deefcele ®eewjefme³ee Þeer Sme kesÀ pewve [e@ GppJeue cegKepeea megÞeer meewYeeefieveer vee³ekeÀ
[e@ (megÞeer) cesIee YeeieJele megÞeer efceleeueer yewM³e Þeer he´mevelee cegKepeea Þeer De#e³ee kegÀceej heÓeeve
megÞeer F&mLej ìeriiee Þeer efmeyee he´meeo [skeÀe megÞeer mebpeguelee nes
65
keÀìkeÀ ceC[ue mebyeuehegj ceC[ue pe³ehegj ceC[ue-I II efouueer ceC[ue-II

Þeer Sme heer heefjíe, Je.ceb.he´. Þeer Sce kesÀ heeb[e, Je.ceb.he´. Þeer njerMe ®ebê, Je.ceb.he´. Þeer jepesMe kegÀceej, Je.ceb.he´.
Þeer meblees<e kegÀceej ceeWnbleer Þeer efoyeekeÀj heesOee megÞeer yemeble yenej Þeer DeeMeglees<e efceÊeue
Þeer leg<eej ceefuekeÀ [e@ vejWê kegÀceej yesnsje [e@ #eerCeg pewve megÞeer veerjpee je@³e ®eewOejer
megÞeer efvece&uee hee$ee [e@. mebpeerye kegÀceej yesnsje Þeer. censMe eEmeIeue Þeer De©Ce ieghlee
Þeer jbpeve efyenejer js [e@ meg®eslee jeveer ceesnhee$ee Þeer. he´JeerCe kegÀceej ieghlee Þeer nsce ®ebo JeefMeÿ
Þeer efyepe³e kegÀceej æ{ue Þeer oesueceeveer keÀebOesj Þeer YeieJeeve mene³e kebÀLeeve [e@. jepesMe kesÀ jbpeve
npeejer yeeie ceC[ue GÊejer Þes$e peeuebOej ceC[ue efouueer ceC[ue-III
Þeer Sme kesÀ meceeblejs, Je.ceb.he´. Depecesj ceC[ue Þeer peer ueeue, Je.ceb.he´. Þeer Sve ®eewOejer, Je.ceb.he´.
[e@ megveerlee mene³e Þeer yeer kesÀ eEmen, Je.ceb.he´. Þeer DeJeefvehe osJeæ[e Þeer ®evê Yeevet efceÞee
Þeer peveeo&ve heemeJeeve Þeer Devegjeie ueesF&Jeeue Þeer censMe ieghlee [e@.(megÞeer) megefcelee je³e
Þeer GcesMe he´meeo Þeer mebpeerJe ieghlee megÞeer mJeCe& kegÀceejer megÞeer ceeuee ieie&
[e@ mepeue cegKepeea [e@ cegkesÀMe hebpeeyeer Þeer meleJeerj Sme.Kegjevee Þeer peiele kegÀceej
Þeer DeueeskeÀ Deie´Jeeue Þeer YebJej ueeue Þeer Dece=lee Mecee& Þeer meleervoj heeue heveJeej
peceMesohegj ceC[ue megÞeer ceOeg keÀesþejer peesOehegj ceC[ue jesnlekeÀ ceC[ue
Þeer Sce Sce Debmeejer, Je.ceb.he´. Dece=lemej ceC[ue Þeer S je]peoeve, Je.ceb.he´. Þeer pes Sme efveppej, Je.ceb.he´.
Þeer le©Ce kegÀceej YeÆe®epeea Þeer Sme. pegukeÀe, Je.ceb.he´. Þeer jepeWê efceÞee Þeer vejsMe kegÀceej cesnlee
[e@ ©cee ®e@ìpeea Þeer ieewlece hegjer Þeer jekesÀMe Yeb[ejer [e@ iegj he´leehe eEmen ceeve
Þeer mejJeve oeme Þeer ceveespe kegÀceej mejerve Þeer cegkegÀue censéejer megÞeer yebìeW osJeer
megÞeer Deeefme³eeveer cekeÀea Þeer pemeJeble eEmen megÞeer DeeMee Mecee& Þeer $eÝef<e jepe jesPe
Þeer pe³eble kegÀceej ceesnbleer [e@ efjlet YeÆer Þeer keÀvns³ee ueeue ®eewneve Þeer efJepe³e Mecee&
cegpeHeÌHeÀjhegj ceC[ue Þeer efoJ³esMe cenepeve keÀjveeue ceC[ue efMeceuee ceC[ue
Þeer HejceWê njer, Je.ceb.he´. yeerkeÀevesj ceC[ue Þeer pes kegÀceej, Je.ceb.he´. Þeer Jeer kesÀ Oej, Je.ceb.he´.
Þeer YeJeeveer ®ejCe lesleJex Þeer Sme. Sce. efceÞee, Je.ceb.he´. Þeer meboerhe kegÀceej Yeejleer Þeer megveerue veeieheeue
Þeer jepeerJe jbpeve [e@ (megÞeer) pe³ee veie Þeer ceveespe ieghlee megÞeer ye=boguee keÀjesue
Þeer efHeÀjespe Keeve Þeer pemeJeble eEmen efOebûee [e@ hejMeevle cegbpeue [e@ efJeMeeue kegÀceej
megÞeer jbpeerlee ÞeerJeemleJe Þeer Deesce he´keÀeMe efKe®ej Þeer De#e³e l³eeieer Þeer oerJeeve eEmen
Þeer osJeWê kegÀceej Þeer keÀvnew³ee ueeue meeWieeje megÞeer Je<ee& Þeer keÀceuesê kegÀceej
heìvee ceC[ue- I Þeer efJekeÀeme kegÀceej YeeuesjerJeeuee uegefOe³eevee ceC[ue Þeerveiej ceC[ue
Þeer heer kesÀ mesþer, Je.ceb.he´. ®eb[erieæ{ ceC[ue Þeer Sue meer efheheerue, Je.ceb.he´. Þeer ìer. Sme. yeeueer, Je.ceb.he´.
megÞeer meefJelee eEmen Þeer Sme kesÀ ÞeerJeemleJe, Je.ceb.he´. megÞeer njoerhe keÀewj Þeer ieesheeue ef¬eÀMeve cenepeve
Þeer Deefveue kegÀceej Þeer De#e³e pewve Þeer Jebove iees³eue megÞeer efHeÀjoewmee Keeve
Þeer veerjpe kegÀceej hehhet Þeer mebpeerJe Yeeefì³ee Þeer jekesÀMe Mecee& Þeer efveefleve DeiiejJeeue
megÞeer Depeje jsef]keÀye megÞeer meesefve³ee Dejesæ[e Þeer ®eboj ceesnve Þeer vepeceg meekeÀerye
Þeer iebiee MejCe [e@ Depeerleheeue eEmen íeyeæ[e Þeer ceeueefkeÀle eEmen Þeer peeseEieoj hee@ue
heìvee ceC[ue-II [e@ HejeEceoj eEmen efouueer ceC[ue-I
Þeer heer³et<e, Je.ceb.he´. pe³ehegj ceC[ue-I Þeer S kesÀ GheeO³ee³e, Je.ceb.he´. Go³ehegj ceC[ue
Þeer megveerue kegÀceej efÜJesoer Þeer Deej [er oeefve³ee, Je.ceb.he´. Þeer Depe³e eEmen leescej Þeer mebpe³e Yeeie&Je, Je.ceb.he´.
Þeer efovesMe kegÀceej osJe Þeer Deefcele Deie´Jeeue Þeer Oece& heeue l³eeieer [e@.(megÞeer) Deb®eue heb[³ee
Þeer Deefcele kegÀceej Pee [e@ jece ueeue hetveer³ee Þeer efMeJesMe kegbÀove Þeer Jeeefno vetj kegÀjsMeer
megÞeer hetvece kegÀceejer [e@ (megÞeer) ceveer<ee heìveer megÞeer megYeeefmeveer eEmen Þeer jepeerJe cege|[³ee
megÞeer meercee heeb[s Þeer DeMeeskeÀ pewve megÞeer levegpee Mecee& Þeer iepeWê he´keÀeMe meg³eue
Þeer njer jece meesieCe Þeer jekesÀMe PeebJej
66
66
GÊej ceO³e Þes$e ieesjKehegj ceC[ue oef#eCeer Þes$e ceogjF& ceC[ue

Deeieje ceC[ue Þeer [er Sce efceleue, Je.ceb.he´. ®esVeF& ceC[ue – I Þeer heer peer efvekeÀesumeve, Je.ceb.he´.
Þeer efMeJe kegÀceej heeb[s, Je.ceb.he´. Þeer Go³e ®ebo Þeer S. metmeeF& ceCeerkeÌkeÀce, Je.ceb.he´. Þeer Deej efkeÀ©yeekeÀjCe
megÞeer meerS oerefhekeÀe efceÊeue Þeer Deefveue kegÀceej eEmen Þeer S ÞeerefveJeeme megeqyye³een [e@. Deej ®ebêceesnve
Þeer cegkesÀMe kegÀceej ieghlee Þeer meboerhe kegÀceej pe³emJeeue [e@ Sce ogjeF&jepe Þeer heer efJepe³ee kegÀceej
Þeer efkeÀMeve eEmen hejceej megÞeer JeerCee ®eewOejer Þeer Deej ceefþ³eeueieve Þeer Sce ceg©iesmeve
Þeer De©Ce kegÀceej Þeer heóerhe ®ebo [e@. kesÀ Sme ieewjerMebkeÀj [e@ jefmekeÀe
Þeer, censMe ®ebo DeiejJeeue nuoJeeveer ceC[ue [e@ ceveercesieuee ceeOeJeve meuesce ceC[ue
Deueerieæ{ ceC[ue Þeer heer. Sme. vesieer, Je.ceb.he´. ®esVeF& ceC[ue – II Þeer Sue ®eWotjveeLeve, Je.ceb.he´.
Þeer De©Ce heeue, Je.ceb.he´. Þeer YetheWê eEmen hebieleer Þeer heer ìer jJeervêve, Je.ceb.he´. Þeer Jeer Mes<eeêer
Þeer De©Ce kegÀceej eEmen [e@ Delegue jepeheeue Þeer YeJeOeeefjCeer Deveblejceve megÞeer kesÀ keÀefJelee
[e@ veerlee Þeerceleer oerhee ieesmJeeceer [e@ hetbiegueeueer Þeer Deej meWefLeuekegÀceej
[e@. efJejsvê kegÀceej Þeer ieeseEJeo Jecee& Þeer Sme. efJepe³e kegÀceej Þeer peer meeuJeekegÀceej
Þeer jCeJeerj eEmen Þeer oerhekeÀ kegÀceej Deie´Jeeue Þeer De©Ce ke=À<Cecetleea Þeer heer ceiesMekegÀceej
Þeer efMeJe kegÀceej Mecee& keÀeveghej ceC[ue megÞeer Sce MeefÊeÀ efhe´³ee lebpeeJetj ceC[ue
Fueeneyeeo ceC[ue Þeer Deéeveer IeF&, Je.ceb.he´. keÀes³ebyeìtj ceC[ue Þeer S Sme jepeve megboj, Je.ceb.he´.
Þeer efJeJeskeÀ Mecee&, Je.ceb.he´. Þeerceleer ke=À<Cee keÀLesefj³ee Þeer ]HeÀpeuetue S jnceeve, Je.ceb.he´. megÞeer Sme. jsJeleer
Þeer heg<heWê eEmen Þeer heJeve kegÀceej pewve [e@ [er efJeéeveeLeve Þeer Sme. DeeefmeHeÀ Deueer
[e@. efueefìefkeÀ³ee njceerle Þeer mJeeboerhe eEmen megÞeer heer veeieue#ceer [e@. [er. meebLeveeue#ceer
Þeer jepesMe kegÀceej je³e Þeer efJeMeeue ieghlee megÞeer Sce peerJee [e@. DeeF&. Mebcegieemegbojce
[e@ Devethe kegÀceej Þeer pemeJeble eEmen Þeer Sve jbieveeLeve Þeer kesÀ Sme meWefLeuekegÀceej
Þeer efhe´³eJele& efceÞee ueKeveT ceC[ue Þeer kesÀ hejcemeerJeve efleªDeveblehegjce ceC[ue
yejsueer ceC[ue Þeer he´Meeble oeref#ele, Je.ceb.he´. Svee&kegÀuece ceC[ue megÞeer MeebLee JekeÀe&r, Je.ceb.he´.
Þeer Sme meer peesMeer, Je.ceb.he´. megÞeer jerlee jeJele Þeer heer jeOeeke=À<Ceve, Je.ceb.he´. megÞeer Sme nsce®ebêve ce³etjce
[e@. jeEJeê yepeepe [e@ Jeer yeer eEmen megÞeer yeervee yeerieesce Jeer kesÀ Þeer Jeer Sme yesvesef[keÌì Devegieńe
[e@ MeesYee cegKepeea Þeer Ieve M³eece ieghlee Þeer S Jeer peesme [e@. jervee
[e@ meleerMe kegÀceej Þeerceleer me]HeÀer³ee Gmceeveer [e@ (megÞeer) mejespee S Sme Þeer kesÀ megjsMe
Þeer efJeJeskeÀ veeLe Deie´Jeeue Þeer meef®eve MegkeÌuee [e@ mesyeer Jeieeame Þeer efJeéeséejve peer
Þeer efpeleWê kegÀceej cesjþ ceC[ue Þeer heóerhekegÀceej Sve efLe´metj ceC[ue
osnjeotve ceC[ue Þeer Jeer Deej MegkeÌuee, Je.ceb.he´. keÀesÆe³ece ceC[ue megÞeer oerhee meerJeoemeve, Je.ceb.he´.
Þeer heer kesÀ mekeÌmesvee, Je.ceb.he´. [e@. megYee<e eEmen Þeer GLeghe peesmesHeÀ, Je.ceb.he´. Þeer Sve. DeeF&. Jeieeame
Þeer ueuueve kegÀceej eEmen Þeer jepeerJe kegÀceej heésHeÀ peskeÀye kegÀefj³eve DeesveÊet [e@ Þeerpee
Þeer efovesMe ®ebê mesceJeeue Þeerceleer meercee eEmeIeue Þeer heer kesÀ efJeveesokegÀceej megÞeer S Deej Meebefle
megÞeer meercee jeveer Þeer Deveghece kegÀceej ieghlee Þeer ceveespe veeje³eveve kesÀ Sme Þeer kesÀ hećeesokegÀceej
Þeer njheukeÀ eEmen Þeer peieyeerj eEmen [e@ Yeeveg DeMeeskeÀ [e@ Jeer Sce ieesheeuee cesveve
Þeer vejWê eEmen heveJej JeejeCemeer ceC[ue Þeer ceveg ÞeerOejve efleªvesuJesueer ceC[ue
HewÀpeeyeeo ceC[ue Þeer Sme peer heer ef$eheeþer, Je.ceb.he´. keÀesefpekeÀes[ ceC[ue Þeer kesÀ Jemeble kegÀceej, Je.ceb.he´.
Þeer jepeJeerj eEmen, Je.ceb.he´. [e@ kebÀ®eve eEmen megÞeer yesuuee hee@ue, Je.ceb.he´. Þeer Sce ieesheer
Þeer efJeée he´keÀeMe Þeerceleer Mewue eEmen S[JeeskesÀì De©Ce yeesme [er Þeer S pe³eeEmen
megÞeer Debpeueer efleJeejer Þeer Deevebo he´keÀeMe eEmen megÞeer GLeeje jeceeke=À<Ceve [e@ Sme jepeve
Þeer ueeuueve he´meeo DebyesMe Þeer meleerMe kegÀceej eEmen [e@ Jeer kesÀ efMeJeoeme [e@ (megÞeer) Sme ceeiee&jsì jbpeerLece
Þeer veeLe eEmen [e@. efJeveeso kegÀceej Þeer kesÀ jeOeeke=À<Ceve Þeer Sme efmeJee met³ee& veeje³eveve
Þeer heóerhe kegÀceej meent Þeer S heer efJeveeso kegÀceej meewYeei³e
67
Jesuueesj ceC[ue keÀæ[hee ceC[ue je³e®etj ceC[ue heeq½ece Þes$e

Þeer Sve jeceeke=À<Ceve, Je.ceb.he´. Þeer jefJe kegÀceej, Je.ceb.he´. Þeer ìer jIeg®evê, Je.ceb.he´. Denceoeyeeo ceC[ue
Þeer Jeieeame ceLeeF& Þeer Jeer efLe©heLeer vee³e[t [e@. yemeJejepe hegpej Þeer, heer Deej ®eewOejer Je.ceb.he´.
megÞeer Deej ceeueLeer Þeer S efkeÀjCe kegÀceej [e@ kesÀ jsJeveeefmeÎhhee [e@ (Þeerceleer) kegÀCeeue ieewlece
Þeer Deej cegLegke=À<Ceve [e@ n³eieérve ®e³et&uet megÞeer MeenerkeÀuee peneefiejoej Þeer efpeefceue yeer Meen
Þeer pes DejeEJeo [e@. peer JeWkeÀìe megyyee³een Þeer yemeJejepe Deej heuues[ Þeer njsMeYeeF& meer oJes
[e@ S keÀeefyeueeve [e@ S Þeeruelee [e@ ceesncceo cepeero Debmeejer [e@ YejleYeeF& heìsue
oef#eCe ceO³e Þes$e keÀjerceveiej ceC[ue efmekebÀojeyeeo ceC[ue Þeer meboerheYeeF& ceesoer
yeWieueesj ceC[ue-I Þeer Jee³e JesbkeÀìsmkeÀjelet, Je.ceb.he´. Þeer peer yeeyet jeJe, Je.ceb.he´. DecejeJeleer ceC[ue
Þeer DeeMeerme kegÀceej, Je.ceb.he´. Þeer JetìgketÀjer jeEJeoj js[er Þeer kesÀ jepee MesKej js[er Þeer Sce. pes. iees[yeesues, Je.ceb.he´.
Þeer Jee³e Sme efmeÎejepeg [e@ DeketÀuee Mewuepee Þeer [es·er DeMeeskeÀ Þeer h³eejsueeue S®e YeeieJele
[e@ [er Sve efMeJehhee Þeer kesÀ. veeiesMece megÞeer efve½euee efme×e js[er [e@. cenWê ®evokeÀ
Þeer DeefveuekegÀceej cegefvemJeeceer Þeer cegkeÌkeÀe njerMe yeeyet Þeer YetkeÌ³ee meeFotueg megÞeer ce=oguee Sme heeìerue
Þeer p³eesefle ieCesMe Þeer Sce keÀ®e©ueeue Þeer JesCeg ieesheeue [e@. Go³e efJevee³ekeÀjeJe veJesueskeÀj
[e@. Jeer DevegjeOee cemeueerheÆvece ceC[ue efMeceesiee ceC[ue Þeer efiejerMe pe³eeEmeie Ke$eer
yeWieueesj ceC[ue-II Þeer meer. yeuew³een ®eewOejer, Je.ceb.he´. Þeer peer S jeceke=À<Cee, Je.ceb.he´. Deewjbieeyeeo ceC[ue
Þeer pes peieoerMe, Je.ceb.he´. Þeer Sve Jeer ogiee& jeJe heésHeÀ [e@ peer Deej peieoerMe Þeer Deej kesÀ veeF&keÀ, Je.ceb.he´.
Þeer Deej Deej Dee®ee³e& Þeerceleer heëeJeleer Jee³egJesieguee Þeer Sce peer ke=À<Cecetleea [e@. (Þeerceleer) efnceieewjer S MeenhegjkeÀj
Þeer Deej De©Cee®euece Þeer Jeer yeer jlevece Þeer GcesMe MesÆer Þeer ®evêMesKej heer MesveieeBJekeÀj
megÞeer Sueer]peeyesLe peesmeHeÀ Þeer Sce heer veeiee meleerMe [e@.(megÞeer) Jeervee Yeìd [e@ jepeeYeeT DeevebojeJe keÀebyeues
Þeer peer Jeer cebpetveeLee Þeer heer. pes. kegÀìbyee jeJe Þeer efMeJeyemehhee [e@. veeruekebÀþ MebkeÀjjeJe heeìerue
Þeer jekesÀMe cewmetj ceC[ue Gef[heer ceC[ue megÞeer mebieerlee veeruekebÀþ peeOeJe
yesueiee@Je ceC[ue Þeer kesÀ DevebLee heëveeYee, Je.ceb.he´. Þeer heer efJeéeséej jeT, Je.ceb.he´. YeeJeveiej ceC[ue
Þeer [er. kesÀ. ÞeerefveJeeme, Je.ceb.he´. megÞeer Deveghecee Deej Þeerceleer ceeOeJeer Sme YeC[ejer Þeer kesÀ. heer. jeceeke=À<eve, Je.ceb.he´.
Þeer yemeJejepe Sce keÀeueyegjieer [e@ heóerhe kegÀceej nsyeér Þeer cebpetveeLe Sve. Sme. Þeer meboerhe Sce cesnlee
[e@ S®e Sme cesefueveeceveer Þeer kesÀMeJee [eWiejs [e@ S®e S Jeeréeséeje Þeer nscetYeeF& peer iesef[³ee
megÞeer efJeveerlee heer iesppeer [e@ kesÀ S ceesnve Þeer kesÀ Deej kesÀMeJee Þeer JesjsMe cesnlee
Þeer ceveespe kegÀceej Sce. veiejkeÀeÆs Þeer [er kesÀ ÞeerefveJeemee Þeer Sme heëveeYee kesÀef[³ee³ee. Þeer jeceosJeeEmen ieesnerue
Þeer cegMleekeÀ Denceo DeeF&. ceguuee jepeecegbêer ceC[ue efJemeeKeeheÆveced ceC[ue megÞeer ceelebieer heer heeC[îee
OeejJeeæ[ ceC[ue Þeer leheve kegÀceej heÆveeF&keÀ, Je.ceb.he´. Þeer heer jcesMe yeeyet, Je.ceb.he´. ieebOeerveiej ceC[ue
Þeer S®e kesÀ jefJe efkeÀjCe, Je.ceb.he´. megÞeer kesÀ. mejue p³eeslmvee Þeer keÀeJJetjer ÞeerefveJeemee js[er Þeer meveespe kegÀceej, Je.ceb.he´.
Þeerceleer heeJe&leer jbieemJeeceer Þeer keÀjerce Keeve Þeer vee³e[t meboerhe js[er Þeer MeecepeerYeeF& heer ieesj
Þeer cevehhee efMeJehhee ueeceCeer Þeer ceevesheeueer JeWkeÀìs YeemkeÀje mesMee Þeer peeceer jcesMe kegÀceej Þeer peerlesve [er heìsue
[e@ ceesncceo FkeÀyeeue S MesKe meeF&yeeyee Þeer keÀeWieejeheg ieCeheleer [e@. efJeJeskeÀ YeeJes
Þeer he´keÀeMe Sme GoerkesÀjer megÞeer peer Sue Jemevlee kegÀceejer megÞeer keÀefjceer Deveghecee [e@ (megÞeer) p³eesefle meeOet
[e@. MekeÀehetj ®eew[hhee [e@ kesÀ Sme jepeMesKej Jeejbieue ceC[ue Þeer keÀjceosJeeEmen JeeIesuee
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70
70
61 st Annual Report
1. PREAMBLE
The Life Insurance Corporation of India has pleasure in presenting its 61st Annual Report as per section 27 of the Life Insurance
Corporation Act, 1956, for the financial year ending 31.03.2018.
2. MEMBERS OF THE CORPORATION AND COMMITTEES
The names of the members, various committees, Zonal Advisory Board and Policyholder’s Council during the year are given in
Appendix –I (page no. 114 to 125)
3. ECONOMIC SCENARIO AND MACRO - ECONOMIC FACTORS THAT AFFECTED LIFE INSURANCE BUSINESS
Macroeconomic developments this year have been marked by swings. In the first half, India’s economy temporarily “decoupled,”
decelerating as the rest of the world accelerated – even as it remained the second-best performer amongst major countries,
with strong macroeconomic fundamentals. The reason lay in the series of actions and developments that buffeted the economy:
demonetization, teething difficulties in the new GST, high and rising real interest rates and sharp falls in certain food prices that
impacted agricultural incomes. According to the Economic Survey 2017-18, in addition to the introduction of GST, the year also
witnessed significant steps being undertaken towards resolution of problems associated with non-performing assets of the banks,
further liberalization of FDI, etc; thus strengthening the momentum of reforms.
In the second half of the year, the economy witnessed robust signs of revival. Economic growth improved as the shocks began to
fade, corrective actions were taken, and the synchronous global economic recovery boosted exports.
a) GROSS DOMESTIC PRODUCT (GDP)
India’s Real GDP growth rate is estimated to be 7.3% and 7.5% in 2018 and 2019, respectively. According to Provisional
Estimates, the Economy grew by 6.7% in 2017-18 as against 7.1% in the previous Financial Year. The Sectors which
registered growth rate of over 7.0% are ‘Public Administration, Defense and other Services’ (10.0%), ‘Trade, Hotels, Transport,
Communication and Services related to Broadcasting’ (8.0%), ‘Electricity, Gas, Water supply & other Utility services (7.2%)’.
The growth in the ‘Agriculture, Forestry and Fishing’, ‘Mining & Quarrying’, ‘Manufacturing’, ‘Construction’ and ‘Financial, Real
Estate and Professional services’ is estimated to be 3.4%, 2.9%, 5.7% , 5.7% and 6.6%, respectively.
Industrial growth as displayed by the revised IIP data depicted a growth of 4.3% in F.Y 2017-18, down from 4.6% in F.Y 2016-
17. The growth in F.Y 2017-18 has been supported by broad-based growth across segments. Manufacturing Sector indicated
highest growth since F.Y 2013-14. Within the used based classification, capital goods, infrastructure/construction goods and
consumer non-durables aided the overall growth during the year.
Apropos the Expenditure side, Gross Fixed Capital Formulation (GFCF) as a percentage of GDP is stagnant at 28.5% for the
past 3 years since F.Y 2015-16. It has declined from 33.4% in F.Y 2012-13. The Government Expenditure has increased from
10.9% of GDP in F.Y 2016-17 to 11.4% in F.Y 2017-18. The Private Final Consumption Expenditure increased marginally from
59% in F.Y 2016-17 to 59.1% of GDP in F.Y 2017-18.
b) GROSS DOMESTIC SAVINGS (GDS)
Details of Gross Domestic Savings at Market Prices as a percentage of GDP are given below:
Sector-wise Domestic Savings as % of GDP:
Year Household Sector Private Public Gross

Financial Physical Total Corporate Sector Domestic
Savings Savings Sector Savings
2016-17# 6.75% 9.51% 16.26% 12.11% 2.36% 29.98%
2015-16* 8.21% 9.58% 17.79% 12.23% 2.33% 31.25%
# 2nd Revised Estimates
* 1st Revised Estimates
c) FISCAL POSITION
Fiscal Deficit as a % of GDP is furnished in the table below –
Year Centre and State (combined) Only Centre

2018-19 BE 6.0 3.3
2017-18 PA 6.5 3.5
2016-17 6.5 3.5
2015-16 7.5 3.9
2014-15 6.6 4.1
BE – Budget Estimate; PA – Provisional Actual
71
61 st Annual Report
Gross Tax Revenue as per the provisional figures for the year 2017-18 was ` 19,19,182 cr. recording a growth of 11.9% over
2016-17. Direct Tax collections for F.Y 2017-18 show that net collections are at ` 9.95 lakh cr. which is 17.1% higher than the
net collections during the F.Y 2016-17.
d) MONETARY CONDITIONS
The RBI adopted a cautious stance on the monetary policy and continued with its neutral monetary policy stance mainly on
account of concerns over rising Oil prices globally, implementation of 7th Pay Commission and fiscal slippages at the Central
and State Government level. During the year, the RBI lowered the Repo rate by 25 bps in its August, 2017 policy to 6% and has
remained at this level in the remaining fiscal year. Cash Reserve Ratio (CRR) remained at 4.0% while Statutory Liquidity Ratio
(SLR) was reduced to 19.5% from 20.0% during the Financial Year.
e) INFLATION
The inflation scenario in the country declined on an annual basis. Retail inflation during the year 2017-18 declined to a 5 year
low. It declined by 95 bps to 3.58% from 4.53% in F.Y 2016-17. The ease in food inflation on account of favourable monsoon
continued to aid the inflation. However, in the recent months, the trend reversed with uptick in the oil prices in the global markets
and housing inflation following a statistical effect of the HRA revision of the 7th Pay Commission. On the contrary, Wholesale
Price Index (WPI) based inflation firmed up to reach a 4 year high level at 2.9% as against 1.7% in the previous year, mainly
on account of high price of fuel and power.
f) EQUITY AND DEBT MARKETS
The monthly weighted average of CBLO during April, 2017 to March, 2018 was at 5.90%.
S&P BSE SENSEX closed at 32,969 on 28th March, 2018, which is 11.30% gain on the closing figure of 29,621 as at 31st March,
2017. During the year it was in the range of 29,241 to 36,444. On 28th March, 2018, NIFTY 50 closed at 10,114 which is 10.25%
gain on the closing figure of 9,174 as at 31st March, 2017. It was in the range of 9,104 to 11,130 during the year.
At the end of March, 2018, the P/E Ratio (Price Earnings Ratio) of S&P BSE SENSEX and NIFTY 50 were 23.78 and 24.66,
respectively, as compared to 20.62 and 23.26 a year ago.
The Number of New Capital Issues by Non-Government Public Limited Companies increased from 53 to 81. The amount
mobilized also increased to ` 98,984 cr. compared to ` 36,615 cr. in the previous Financial year. The Average Assets Under
Management for the January-March, 2018 Quarter was ` 23,05,012 cr. as compared to ` 18,29,584 cr. in the corresponding
period of the last Financial year.
The RBI’s Monetary Policy Committee is committed to achieving the medium-term target for headline inflation of 4% on a
durable basis. Amongst other risks, Crude oil prices have been volatile recently and this imparts considerable uncertainty to
the inflation outlook – both on the upside and the downside.
A borrowing programme of ` 6.27 lakh cr. has been announced by the Central Govt. for Fiscal 2018-19.
g) GLOBAL SCENARIO
According to the IMF report “World Economic Outlook” (WEO), at 3.8%, global growth in 2017 was the fastest since 2011.
With financial conditions still supportive, global growth is expected to go up to a 3.9 percent rate in, both the years i.e. 2018
and 2019. Advanced economies will grow faster than potential this year and next; euro area economies are set to narrow
excess capacity with support from accommodative monetary policy, and expansionary fiscal policy will drive the US economy
above full employment. Aggregate growth in emerging market and developing economies is projected to firm further, with
continued strong growth in emerging Asia and Europe and a modest upswing in commodity exporters after three years of weak
performance.
During the Financial Year 2017-18, India’s exports registered a growth of 9.98% to US$ 303.37 billion. while imports grew by
19.46% to US$ 465.68 billion. As a result, the Trade Deficit increased to US$ 162.21 billion. in the year 2017-18 as against US$
112.4 billion. in the previous fiscal.
Net FDI inflows in the year 2017-18 moderated to US$ 30.3 billion. from US$ 35.6 billion. in the year 2016-17. Portfolio
investment recorded a net inflow of US$ 22.1 billion. as against an inflow of US$ 7.6 billion. a year ago.
The country’s Foreign Exchange Reserves increased to ` 27,60,900 cr. (US$ 424.50 billion.) from ` 23,98,200 cr. (US$ 370
billion.). At end-March 2018, India’s external Debt stock stood at US$ 529.7 billion., showing an increase of US$ 58.4 billion.
(12.4%) over the level at end-March 2017. India’s external Debt to GDP ratio stood at 20.5% at the end-March 2018 vis-à-vis
20% at the end-March 2017.
h) Insurance Sector
There are 52 Insurance Companies; 24 dealing with Life Insurance and 28 plying in Non-Life Insurance Business in the
Insurance Industry of India. The Sector of Life Insurance in India has witnessed immense growth in the past few years.
72
72
61 st Annual Report
The statistics pertaining to Life Insurance Industry are furnished below:

(Figs. are Provisional & Unaudited)
Sr. Growth
Data Description 31.03.2018 31.03.2017
No. Rate (%)
1. Capital Deployed (including share
36,582 35,344 3.50
premium, if any) (` Cr.)
2. No. of Branch Offices 11,111 10,955 1.42
3. No. of Agents (Individual) 20,82,668 20,88,519 -0.28
4. No. of Direct Employees 2,65,727 2,49,794 6.38
5. Total Assets ( ` cr.) (incl. Equity) 33,13,049 29,80,622 11.15
6. Equity (at Market Value) 8,12,018 7,56,274 7.37
7. Infrastructure Investments (` Cr.) 3,76,097 3,44,075 9.31
8. Renewal Premium (` Cr.) 2,64,327 2,42,925 8.81
As compared to ` 1,75,022 cr. in the previous fiscal, the Total First Year Premium of Life Insurers rose by 10.77% taking it to
` 1,93,866.24 cr. during the F.Y ended 31.03.2018. There was a marked growth of 6.41% in the number of New Policies i.e.
from 2.65 cr. in the F.Y 2016-17, it shot up to 2.82 cr. in the F.Y 2017-18.
LIC, has continued to lead the market by grabbing 69.40% of the Market Share in Total First Year Premium and 75.67% in New
Policies. The Corporation reported an increase of around 8% in its New Business Premium in the Financial Year 2017-18 i.e.
over 1.34 lakh Cr., as compared to over 1.24 lakh Cr. in the F.Y 2016-17.
The Investment of Total Life Fund of the Life Insurance Industry as per the IRDAI Annual Report of 2016-17 was ` 28,54,193
cr. as on 31.03.2017, as against ` 25,02,068 in 2015-16; thereby registering a growth of 14.07%. The Fund has thus shown a
considerable increase of ` 3,52,125 Cr. in the year 2016-17 in comparison to ` 2,54,546 Cr. in the year 2015-16.
The share of Financial savings is rising in aggregate Household savings. The Household Financial Savings channeled into
Bank Deposits, Life Insurance Funds and Shares and Debentures increased by 82%, 66% and 345%, respectively in the year
2016-17. Within the Shares & Debentures category, the growth of savings in Mutual Fund registered a phenomenal increase.
In a span of past 2 years, savings in the form of Mutual Fund registered more than 11-fold increase.
The Life insurance industry is gearing up in all modes and methodologies in insuring the vast uninsured population. At the same
time, there are current challenges of improving persistency and bringing customized and innovative products.
Already the Central Government’s two Insurance schemes viz; ‘Pradhan Mantri Jeevan Bima Yojana’ and ‘Pradhan Mantri
Suraksha Bima Yojana’ has assisted in spreading the awareness about Life Insurance. Adding to it is the new scheme on
Health Insurance, where all stakeholders are getting ready to participate to make it a productive one. Overall, these initiatives
will help in increasing the penetration and density of the Insurance Industry.
(Source: Insurance Regulatory and Development Authority of India, Life Insurance Council, RBI, Economic Survey of India
2017-18, Key Economic Indicators by Department of Economic Affairs, Ministry of Statistics and Programme Implementation/
Central Statistical Office, National Stock Exchange,Bombay Stock Exchange, Securities and Exchange Board of India,
International Monetary Fund, World Trade Organisation)
4. WORKING RESULTS
I. New Business
a) Individual Assurances:-
The New Business under Individual Assurance portfolio for the last three years is given in Table No. 1A.
b) General Annuities:-
The New Business under General Annuity portfolio for the last three years is given in Table No.1A.
c) Pensions:-
The New Business under Pension portfolio for the last three years is given in Table No. 1A.
d) Non Linked Health:-
The New Business under Non Linked Health portfolio for the last three years is given in Table No. 1A.
e) Unit Linked Business:-
The New Business under Unit Linked portfolio for the last three years is given in Table No. 1A.
73
61 st Annual Report
f) Group Insurance Business

The New Business under Group Insurance portfolio for the last three years is given in Table No. 1B.
g) Social Security Schemes
The Central Government launched two landmark insurance schemes, namely, Pradhan Mantri Jeevan Jyoti Bima Yojana
(PMJJBY) and Pradhan Mantri Suraksha Bima Yojana (PMSBY) as a part of financial inclusion on the 9th of May 2015.
The purpose of these schemes is to provide insurance protection to accountholders of the Banks at a very reasonable
cost. PMJJBY provides life insurance coverage of ` 2 lakhs whereas PMSBY provides Accidental and Disability Insurance
upto ` 2 lakhs. The Savings Bank Account Holders of the participating banks aged between 18 years (completed) and
50 years (age nearer birthday) are eligible for cover under PMJJBY for the premium of ` 330/- per annum. Whereas
Accountholders of Bank in the age group 18 to 70 are eligible for cover under PMSBY for the premium of ` 12/- per
annum through General Insurance Companies. Under PMJJBY and PMSBY, insurance cover is made available to a
cross section of population at an affordable premium. The premium under these schemes is borne by account holders
themselves and an amount for the same is deducted from the bank account of subscribers against a mandate.
Social Security Scheme Aam Admi Bima Yojana has been providing a life risk cover of ` 30,000/- to the enrolled
beneficiaries as per the eligibility conditions notified by Government of India. Accidental and Total Permanent Disability
cover of ` 75,000/- and Partial Permanent Disability cover of ` 37,500/- is also provided to enrolled members under the
Scheme. Scholarship as “Add-On” benefit is provided to eligible children of enrolled beneficiaries @ ` 100/- per month.
50% of the total premium of ` 200/- per member per annum under AABY is contributed from Government of India Social
Security Fund maintained by LIC of India.
Converged Pradhan Mantri Jeevan Jyoti Bima YojAna
With the launch of new Schemes Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha Bima Yojana,
it has been decided by Government of India to converge all existing schemes of Aam Aadmi Bima Yojana (AABY) to
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) / Pradhan Mantri Suraksha Bima Yojana (PMSBY) with effect from
01/06/2017.
Existing members of AABY are divided in two parts, i.e. members in age group 18 to 50 and members in age group 51 to
59 years. The part with members in age group 18 to 50 years is converged with PMJJBY / PMSBY. The part with members
in age group 51 to 59 will continue in existing format of AABY.
Members in age group 18 to 50 years are provided insurance cover of ` 2 lakh under PMJJBY for the premium of ` 330/-
per annum. These members will also be covered under PMSBY for Accidental and Disability Insurance for premium of
` 12/- per annum. The Scheme is named as converged PMJJBY/ PMSBY with an annual premium of ` 342/- only.
Existing beneficiaries of AABY in age group 51 to 59 will continue to get the existing insurance benefits with current
premium rate of ` 200/- under Converged AABY Scheme.
50% of the premium i.e. ` 171/- under the Converged PMJJBY/PMSBY scheme is borne by State Government / Agency
/ Co-operative Society and balance 50% i.e. ` 171/- is borne by Central Government through Social Security Fund
maintained by LIC of India.
As on 31st March 2018, 2.65 Cr. lives are converged to PMJJBY from AABY. They are getting the benefit of increased
insurance cover. Total 5.12 Cr. lives are covered under all above Social Security Schemes. During financial year 2017-18,
4368595 scholarships were disbursed to beneficiaries for an amount of ` 245.14 Cr. and an amount of ` 976.53 Cr. has
been paid towards total number of 1,55,602 claims under all Social Security Schemes.
PRADHAN MANTRI JAN DHAN YOJANA (PMJDY SCHEME)
Pradhan Mantri Jan Dhan Yojana was launched on 28.08.2014. Under this scheme Bank accounts were opened and
benefits are given to the account holders. One of the benefits is providing the Life Insurance cover of ` 30,000/- on death
due to any reason through Life Insurance Corporation of India. There is also a benefit of Accident Insurance Cover of
` 1 Lakh, provided by Government through General Insurance Companies.
For availing the Life insurance coverage of ` 30,000/- * on death arising out of any cause under this scheme, a person
should be between 18 to 59 years of age and he/she should have been enrolled under PMJDY between 15.08.2014 to
31.01.2015 & should be holder of a valid and in force RuPay Card.
(* Subject to Govt guidelines and eligibility criteria provided)
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h) First Insurance:
In pursuance of the corporate objectives of providing insurance cover to more and more people, greater emphasis is laid
on covering individuals who have no previous insurance on their lives. During the financial year 2017-18, 189.86 lakh
individuals were insured for the first time for the total Sum Assured of ` 4,63,435.29 crores as against the previous year’s
figure of 175.96 lakh Policies for Sum Assured of ` 3,92,420.33 crores. The ratio of First Insurance to total Business
completed for the year comes to 89.09 % & 84.51 % in respect of Number of Policies and Sum Assured respectively.
i) Rural Thrust:
Sustained and conscious efforts are made to carry the message of Life Insurance to the rural areas, especially the
backward and remote areas. As a result, there has been steady growth of New Business from these areas.
The New Business from rural areas amounts to Sum Assured of ` 87,414.54 crore under 47,70,233 Policies representing
22.38 % and 15.94 % share of Policies and Sum Assured respectively completed during the Financial Year 2017-18. The
definition of rural/social sector is as approved by IRDAI.
II. Business in-force in Various Segments
a) Individual Assurances:-
The business in-force under Individual Assurance portfolio for the last three years is given in Table No. 3A.
b) General Annuities:-
The business in-force under General Annuity portfolio for the last three years is given in Table No. 3A.
c) Pensions:-
The business in-force under Pension portfolio for the last three years is given in Table No. 3A.
d) Non Linked Health:-
The business in-force under Non Linked Health portfolio for the current and last years is given in Table No.3A.
e) Unit Linked Business:-
The business in-force under Unit Linked portfolio for the last three years is given in Table No.3A.
f) Group Insurance Business:-
The business in force under Group Insurance Portfolio, including Linked Business, for last three years is given in Table
No. 3B.
5. CAPITAL REDEMPTION AND ANNUITY CERTAIN BUSINESS
As on March 31, 2018, Annuity Certain Policies numbering 440 were in force for an amount of annuity per annum of ` 193.60 lakh.
There were 7,705 Capital Redemption policies in force for a sum assured of ` 18,761.54 lakh.
6. STATUTORY STATEMENTS REGARDING POLICIES
The statements in the form “DD” prescribed under Insurance Act, 1938 have been included in Table No. 4
7. ORGANIZATIONAL SET UP
Offices in India
As on 31.03.2018, there were 8 Zonal Offices located at Mumbai, Delhi, Kolkata, Chennai, Hyderabad, Kanpur, Bhopal and Patna.
There were 113 Divisional Offices, 2,048 Branch Offices, 1,431 Satellite Offices (SOs) and 1,226 Mini Offices.
Divisional Offices monitor and control the operations. Branch Offices procure business and are responsible for all customer interface
transactions. Satellite Offices also procure business and are responsible for immediate customer services required. Mini offices
are opened as per FM’s budget 2013-14 in all towns of India with a population of 10,000 or more with an objective of Spreading
Insurance Awareness and penetration. Mini offices are responsible for immediate customer services required.
8. LIFE FUND, SURPLUS AND TAXES PAID
The Life Fund, Valuation Surplus and the Share of Central Government are growing consistently every year. Figures pertaining to
the year 2015-16, 2016-17 and 2017-18 are given in Table No. 5.
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9. CORPORATE SOCIAL RESPONSIBILITY

I. Group Schemes and Social security
Claims under various Social Security Schemes:
During the F.Y 2017-18, 1,55,602 claims amounting to ` 976.53 Cr. were paid under Social Security Schemes as per the
following details:
CLAIMS
SCHEME NO AMOUNT ` (000)
AABY 1,05,072 36,70,350
SSGS 4,284 28,693
PMJDY 1,037 31,110
Converged PMJJBY 27,400 54,80,000
Converged AABY 17,809 5,55,100
TOTAL 1,55,602 97,65,253
Name of Various Social Security Scheme

Abbreviation Scheme Name
AABY Aam Admi Bima Yojana
SSGS Social Security Group Scheme
PMJDY Life cover under Pradhan Mantri Jan Dhan Yojana
Converged PMJJBY Converged Pradhan Mantri Jeevan Jyoti Bima Yojana
Converged AABY Converged Aam Admi Bima Yojana
Total Number of 43,68,595 Scholarship of ` 245.14 Crore was disbursed as a free add on benefit to children whose parents are
covered under Aam Admi Bima Yojana during 2017-18.
Social Security Cover (Including PMJDY)
Total 5.82 Crore lives were covered under various Social Security Scheme F.Y 2017-18
II. Investment in Social Sector
The total investments of the Corporation amounted to ` 27,36,762.36 crores as at 31st March, 2018. Table 6 depicts a broad
classification of the investments of the Corporation as at 31st March, 2018.
The Corporation subscribed an amount of ` 1,09,633.70 crore (Book Value) and ` 1,51,857.67 crore (Book Value) to the
Securities of the Government of India and the new loan issues of the various State Governments (including other approved
securities) respectively during 2017-18.
SOCIAL RESPONSIBILITIES:
It has been the constant endeavor of the Corporation to provide security to as many people as possible and to channelize
the savings mobilized for the welfare of the people at large.
To meet this end, the Corporation has been promoting Social Welfare through investments in Infrastructure and Social Sector
which includes:
* Projects/Schemes for generation and transmission of Power
* Housing Sector
* Water Supply and Sewerage Projects/Schemes
* Development of Roads, Bridges, Road Transport & Railways
The total Investment in these sectors during 2017-18 was ` 41,418.35 crore as indicated in Table 7. The investments as at
31.03.2018 by way of Central, State and Other Government Guaranteed Marketable securities, Loans, Debentures & Equity
investments in Infrastructure and Social Sector amounts to ` 19,55,273.67 crore.
III. LIC Golden Jubilee Foundation
“LIC Golden Jubilee Foundation” was established in the year 2006 as a part of LIC’s Community Service initiatives. The
objectives of the Foundation are Relief of poverty or distress, Advancement of Education, Medical Relief and Advancement of
any other object of General Public Utility. As on 31.03.2018, LIC has provided a corpus of `180 Crore to the Foundation and the
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interest earned is utilised for funding various projects for charitable purposes. Since inception, the Foundation has supported
NGOs dedicated to the above objectives through 444 projects which are located across the country. The Foundation has
reached out to many deprived sections of society through the infrastructural support provided in the above areas.
The Foundation has supported cost of treatment for children afflicted with cancer and undergoing treatment at TATA Memorial
Hospital, Mumbai. Till date, 110 beneficiaries have been benefitted from the scheme across the country. The Foundation has
funded for purchase of bus for transporting cancer patients from Tata Memorial Hospital, Mumbai to Tata Research Centre at
Navi Mumbai.
LIC GJF has adopted the poorest village, Govindpur under Sonbhadra District of Uttar Pradesh for Community Development
activities, related to Literacy Campaign and Medical relief.
LIC Golden Jubilee Scholarship Scheme is another initiative of the Foundation, which provides scholarships at the rate of
`10,000/- p.a to children from economically weaker sections of the society to pursue higher education till they complete their
graduation /professional course. As on 31.03.2018, 15,196 students have benefited from the scheme.
10. MARKETING ACTIVITIES
(A) During the year 2017-18, the Corporation has procured 2,13,10,698 Policies with a First Premium Income of ` 42,950.43
Crores. The achievement to budget in NOP was 85.24% and in TFPI 113.03%. ` 12,486.76 crore premium was earned under
2,64,857 policies of Pradhan Mantri Vaya Vandana Yojana. In Agency recruitment, the Corporation registered a net addition of
17,630 agents.
STATEMENT OF INDIVIDUAL NEW BUSINESS PROCURED DURING 2017-18 CHANNELWISE
BUSINESS NUMBER OF POLICIES FIRST YEAR PREMIUM INCOME

(IN LAKH) ( ` IN CRORE)
CONVENTIONAL(TIED) 204.66 49,460.33
BANKING & ALTERNATE CHANNELS 2.11 1,420.49
DIRECT MARKETING 0.69 845.16
MICRO INSURANCE 5.65 17.87
TOTAL 213.11 51,743.85
B) BANCASSURANCE & ALTERNATE CHANNELS

During the Financial Year 2017-18, the Bancassurance and Alternate Channel (B&AC) completed 2,10,834 policies and
garnered `1,420.50 crore of First Year Premium Income (FYPI). The Percentage share of B&AC First Premium Income
to Total First Premium Income (Individual Assurance) was 3.27% during the year.
Bancassurance & Alternate Channel was started in the year 2001 after Reserve Bank of India allowed banks to sell other
financial products like Insurance and Mutual Funds. Starting from 1,455 policies and ` 2.21 crore premium in the First
Year, the channel has multiplied manifold within a period of 17 years.
Currently, the channel has tie-ups with 12 Public Sector Banks, 5 Private Banks, 17 Regional Rural Banks, 36
Co-operative Banks and 1 Foreign Bank. We also have 52 Corporate Agents & 63 Insurance Marketing Firms (IMFs) on
roll. During the year, 5 new Banks, 13 Other Corporate Agents & 32 Insurance Marketing Firms (IMFs) were appointed.
Bank partners contributed 85.67% of Policies and 95.07% of FYPI of the total Bancassurance and Alternate Channel
business by completing 1,80,614 policies and ` 1,350.43 crore of FYPI. Other Corporate Agents completed 28,266 policies
with ` 36.65 crore of FYPI. Brokers completed 1,476 policies with ` 25.71 crore FYPI. New entity IMFs completed 478
policies with ` 7.70 crore of FYPI.
94 Bank Branches procured ` 1 crore and above TFPI, while 271 Bank Branches procured TFPI between ` 50 lacs to
` 99 lakh during the year.
C) DIRECT MARKETING
Direct Marketing Channel, established in August, 2009 with 6 Units has 123 Units spread across the country today.
The initiative was aimed at creating new systems for business generation, sales process monitoring and business process
with a view to reaching out to untapped markets and providing a new and improved buying experience to the customers,
especially to today’s young, Tech Savvy Executives and High Networth Individuals.
In the Financial Year 2017-18, the Channel procured a First Premium Income of ` 824.72 Cr on 71,011 Policies.
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The Distance Marketing centre of the Channel at Vile Parle processes Online Products and has procured a First Premium
of ` 185.44 Crs. on 16,795 policies.
The Chief Organiser (LIC DIRECT) Scheme, 2015, which was launched wef: 01.04.2015 to take forward the objectives
of the Channel grew stronger in 2017-18 with 771 Chief Organisers contributing ` 175.32 Crs. First Premium Income.
4 products viz., LIC’s e-Term, Jeevan Akshay-VI, the Pradhan Mantri Vaya Vandana Yojana (PMVVY) and LIC’s Cancer
Cover Online Plan (launched on 14/11/2017) are available for purchase online.
D) HEALTH INSURANCE
During the year 2017-18, Health Insurance Division garnered a First Premium Income of ` 83.99 Crores procuring
2,10,022 Policies.
Health Insurance Division started its operations at Hyderabad in February 2008 with an objective of tapping the vast
Health Insurance market through suitable Health Insurance products and services. We have covered 27,49,469 lives
under Health Insurance Policies up to 31.03.2018.
Currently, we are marketing two Health products viz., ‘Jeevan Arogya’ (Table No.904), and Cancer Cover Plan (Table
No.905) both non-linked Fixed Benefit Health Insurance Plans for Individuals which were launched on 16/11/2013 and
14/11/2017 respectively.
During the year 2017-18, 22,843 Claims were adjudicated and the outstanding claims were ‘NIL’ as at 31/03/2018. An
amount of ` 32.31 crores was paid towards settlement of Health Insurance claims during the year. For the first time, 390
Maturity Claim payments were made under plan 901 and an amount of `3.34 Crores was paid towards the same.
E) MICRO INSURANCE
Micro Insurance Business vertical completed 5,64,541 policies with ` 9.93 crores First Premium Income in F.Y. 2017-18.
Total number of policies covered by the vertical since inception is 1.96 crores and it has thus provided valuable insurance
cover to the underprivileged and low income segments of the society. The contribution of this vertical to LIC’s New
Business in terms of number of policies for F.Y.2017-18 was 2.65 %.
Micro Insurance policies are sold through a specialized distribution channel comprising of Non-Government Organizations
(NGO), Self Help Groups (SHG), Micro Finance Institutions (MFI), Corporate Agents, Select Conventional Agents,
District Cooperative Banks (DCB), Regional Rural Banks (RRB), Urban Cooperative Banks (UCB), Primary Agricultural
Cooperative Societies (PACS), Other Cooperative Societies (CS) and Banking Correspondents (BC). With effect from
26.04.2017, in addition to the existing categories of MI agents, IRDAI has included FPCs (Farmer Producer Companies)
in the list of entities that can be appointed as MI agents. There are 19,183 MI agents on roll as on 31.03.2018.
In the F.Y. 2017-18, 215 villages were declared “Madhur Bima Gram” under “Madhur Bima Gram/Community Scheme”.
The Scheme envisages providing financial incentive to a village for developmental activities on completion of a certain
minimum number of new policies from that area.
Collection of MI Renewal Premium through the outlets of CSC e-Governance Services India Ltd has been started
w.e.f.1st February, 2018.
MI policy holders can also directly pay premium at 4,470 designated Micro Insurance Premium Points which cover all
2,048 Branch areas of the Corporation. 41.86% of Total Renewal Premium transactions are through Premium Points.
Renewal Premium Collection at Premium Points in the F.Y. registered a growth of 26.65 % over previous year.
Total Renewal Premium collected by the channel in the year 2017-18 was ` 159.54 crores.
F) PRODUCT DEVELOPMENT
LIC offers a wide variety of products, which fulfill the needs of different customer segments of the society.
During the year, the Corporation introduced/modified 12 Products. These include 8 new Individual products viz. LIC’s
Aadhaar Stambh, LIC’s Aadhaar Shila, LIC’s Jeevan Umang, LIC’s Jeevan Utkarsh, LIC’s Cancer Cover, LIC’s Jeevan
Shiromani, LIC’s Bima Shree and Pradhan Mantri Vaya Vandana Yojana, modification of an annuity product LIC’s Jeevan
Akshay –VI and modification of 3 Group products viz. LIC’s New Group Superannuation Cash Accumulation Plan, LIC’s
New Group Gratuity Cash Accumulation Plan, LIC’s New Group Leave Encashment Plan.
In addition, the Corporation also introduced modified version of 3 riders viz. LIC’s Accidental Death and Disability Benefit
Rider, LIC’s Accident Benefit Rider and LIC’s Linked Accidental Death Benefit Rider.
At the end of the financial year 2017-18, the Corporation had 30 Individual Products, 12 Group Products and 7 Riders,
available for sale.
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G) Senior Business Associates (SBA)

The SBA Scheme was introduced in the year 2009 to recognize the high performance of Senior Development Officers
and to empower them for some financial & non-financial functions.
The existing SBA Scheme has been modified w.e.f 18.12.2017 for entry & continuation.
As per the modified Scheme, all Development Officers working with Cost Ratio up to 8% with a service of 3 years or
more and who had done ` 2.00 Cr TFPI OR 1,500 Policies OR having 50 or more agents in their organization in the last
settled appraisal year are eligible for enrolment. They shall continue as SBAs till they earn Incentive Bonus. They are
empowered to collect Renewal Premium and Proposal Deposit, do end to end solution and I-proposals & some other
non-cash transactions through SBA portal.
The number of SBAs as on 31st March, 2018 is 2,930.
The Total New Business brought in by SBAs in F.Y. 2017-18 is 49,33,299 Policies with ` 9,796.16 Cr FPI.
Average FPI per SBA comes to ` 3.34 Cr.
Average number of Policies completed per SBA is 1,684.
For FY 2017-18, the Percentage Contribution of the SBA Channel to the total business of the Corporation is 23.15 % in
NOPs and 22.81% in FPI.
LIC ASSOCIATES SCHEME (LICA)
The LICA Scheme was introduced from 01.04.2016, with an aim to introduce an innovative distribution Channel and
strengthen the distribution system by gainfully redeploying the valuable marketing talent of Senior Business Associates at
the time of their retirement. The appointment of retired SBAs as LICA is for 3 years initially and can be extended by two
years. The LICAs are empowered to appoint new agents and mentor the existing agents & procure New Business from
these agents besides collection of renewal premium and proposal deposit through their agents. As at 31.03.2018, the
total number of LICAs are 53 and their Agency Organization is 4,438 and they have procured total 75,986 Policies with
` 183.01 Cr. TFPI.
11. AGENTS
a) Agency strength:
The total number of Agents on our Roll is 11,48,811 as at 31.03.2018 as against 11,31,181 as on 31.03.2017. The number of
Active Agents is 10,71,945 as at 31.03.2018 as compared to 10,46,484 as on 31.03.2017.
b) Agent’s Club Membership
In order to motivate and recognize high and consistent performers amongst the agency force, various Clubs have been formed.
The details of membership strength of the Clubs are furnished in the Table below:
MEMBERS OF VARIOUS AGENTS’ CLUB
Name of Club Membership Year

2017-18 2016-17 2015-16
Corporate 191 167 214
Galaxy 623 426 429
Chairman 39,411 39,249 38,435
Zonal Manager 31,562 31,323 31,213
Divisional Manager 53,504 53,871 55,029
Branch Manager 45,380 50,561 56,162
Distinguished Agents Club 13,078 12,500 11,477
Total 1,83,749 1,88,097 1,92,959
c) Career Agents Scheme

The Corporation has a scheme for Urban Career Agents and Rural Career Agents to promote the cause of professionalizing
the Agency force. They are given stipends at the start of their career to enable them to settle down in the profession. As on
31.03.2018 there are 2,474 Urban Career Agents and 45,172 Rural Career Agents.
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City Career Agents Scheme was introduced in 2010 to provide all Development Officers an opportunity to recruit stipendiary
Agents. As on 31.03.2018 there are 18,801 City Career Agents.
d) CHIEF LIFE INSURANCE ADVISOR SCHEME, 2008 :
The Corporation introduced the above Scheme on 12.04.2008 with an objective of increasing its market presence by enrolling
more agents by utilizing capabilities of existing high performing agents for organisational growth.
In the tenth year of the Scheme, as on 31.03.2018, a record First Premium of ` 5,410.42 Crores (28.26% growth) with 24,18,362
Policies (16.83% growth) was generated with the help of 1,58,014 Agents on roll, supervised by 21,137 Active Chief Life
Insurance Advisors. The share of the channel in Policies is 11.35% as against 10.30% in the previous year and in FPI the share
is 12.60% as against 11.14% last year.
Four types of CLIA Brigades were introduced to enhance the status of CLIAs and to bring about professionalism amongst them.
For Membership Year 2017-18, there are 982 Silver Brigade members, 901 Gold Brigade members, 1013 Diamond Brigade
members and 222 Platinum Brigade members. Total Brigade members being 3,118.
e) Authorised Agents :
In view of the increasing customer expectations for more convenience in premium payments and servicing, the Corporation
has empowered Select Agents to collect the renewal premium through “Premium Points”. As on 31.03.2018, Number of such
“Premium Points” across the country is 33,736. An amount of `41,199.69 Crores towards Renewal Premium was collected
by these Empowered Agents who have issued 8.85 Crores Renewal Premium Receipts to the LIC Customers thus showing
a growth of 9.48% and 0.31% on Premium collected and Number of transactions respectively. Premium collected through
Premium Points stands at 24.58% of the Total Collections.
12. OVERSEAS OPERATION
a) Foreign Branches :
The Corporation directly operates through its branch offices in Mauritius (Port Louis), Fiji (Suva & Lautoka) and United Kingdom
(Wembley). The total policies issued by the foreign branches during the year 2017-18 are 15,194. The Total Premium Income
is ` 325.05 Crore.
b) Foreign Joint Venture Companies :
Life Insurance Corporation (International) B.S.C. (c), Bahrain:
Life Insurance Corporation (International) B.S.C. (c), is a Joint Venture Company between LIC of India and M/S Intercol. The
operations commenced on 23rd July, 1989 and initially catered to the life insurance needs of Non-Resident Indians (NRIs) and
later extended to the local population in the Gulf by issuing life insurance policies in US Dollars. The Company operates in 5
GCC countries of Bahrain, Kuwait, UAE (Dubai & Abu Dhabi), Qatar and Oman. For the year ended 31.12.2017, the Company
earned a Net Total Premium of about ` 3,487.50 Crore.
Life Insurance Corporation (Nepal) Ltd:
Life Insurance Corporation (Nepal) Ltd. is a Joint Venture Company between LIC of India and M/S Vishal Group alongwith
public holding of Nepal and was established on 26th December, 2000. It is a listed Company whose shares are traded on the
Nepal Stock Exchange. For the Financial year ended 15.07.2017, the Company earned a Net Total Premium of about ` 544.32
Crore.
Life Insurance Corporation (Lanka) Ltd.:
Life Insurance Corporation (Lanka) Ltd is a Joint Venture Company between LIC of India and M/S Bartleet Transcapital Ltd. The
operations started on 1st March, 2003 in Sri Lanka. For the year ended 31.12.2017, the Company earned a Net Total Premium
of about ` 24.79 Crore.
Kenindia Assurance Company. Ltd.:
Kenindia Assurance Company Ltd is a Joint Venture Company between LIC of India, General Insurance Corporation of India
and others was established on 6th December, 1978 in Kenya. The Company transacts both life and non-life business. For the
year ended 31.12.2017, the Company earned a Net Total Premium of about ` 391.06 Crore.
Saudi Indian Company for Co-operative Insurance:
Saudi Indian Company for Co-operative Insurance (SICCI), a Joint Venture Company between LIC of India, Life Insurance
Corporation (International) B.S.C.(c), Bahrain, New India Assurance Company Limited, Others and Public from Kingdom
of Saudi Arabia was established on 17th July, 2007 in Kingdom of Saudi Arabia. Life Insurance Corporation of India & Life
Insurance Corporation (International) B.S.C. (c), Bahrain hold 4.98% share each. The Company transacts both life and non-life
business. For the year ended 31.12.2017, the Company earned a Net Total Premium of about ` 678.77 Crore.
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Life Insurance Corporation (LIC) of Bangladesh Limited:

Life Insurance Corporation (LIC) of Bangladesh Limited is a Joint Venture Company between Life Insurance Corporation of India,
Strategic Equity Management Ltd and Mutual Trust Bank Ltd and is incorporated under the Companies Act (Act XVIII) of 1994 of
Bangladesh on 14.12.2015. For the year ended 31.12.2017, the Company earned a Net Total Premium of about ` 5.81 Crore.
c) Foreign Wholly Owned Subsidiary :
Life Insurance Corporation (Singapore) Pte. Ltd.:
Life Insurance Corporation (Singapore) Pte Ltd a Wholly Owned Subsidiary was incorporated on 30th April, 2012 in Singapore.
For the year ended 31.12.2017, the Company earned a Net Total Premium of about ` 80.76 Crore.
The foreign units of SBU-IO have completed a New Business of 2,19,892 policies with FPI of ` 2,991.63 Crore for the financial
year 2017-18. SBU-IO’s notional share of FPI to Corporation’s FPI is 6.97%.
13. CUSTOMER RELATIONSHIP MANAGEMENT (CRM)
Settlement of Claims:
As a Customer Centric organization, it has been our constant endeavor to raise the benchmark in our Claims Settlement performance.
During the year, the Corporation has settled 277.45 lakh claims for ` 1,32,171.45 Crore (Including Micro Insurance and Pension &
Group Schemes). The figures in respect of settlement of claims for the last three years are given below.
Maturity Claims Settled* Death Claims Settled*

Year No. (in Percentage paid No. (in Percentage paid
Amount (Crs.) Amount (Crs.)
lakhs) (in number) lakhs) (in number)
2015-16 205.75 83,667.60 98.26 9.96 12,181.34 98.67
2016-17 205.11 99,109.66 97.20 10.47 13,581.14 98.71
2017-18 267.36 1,17,888.30 95.50 10.09 14,283.15 98.55
* The figures given above are of claims paid during the respective financial years.
Timely settlement of claims will continue to be our focus in coming years too.
Claims Dispute Redressal Committee:
The Corporation settles a large number of death claims every year. Only in case of fraudulent suppression of material information is
the claim repudiated. The percentage of death claims repudiated is very small. Even in these cases, an opportunity is given to the
claimant to make a representation for consideration by the Claims Dispute Redressal Committees at Zonal Office and the Central
Office. As a result of such review, depending on the merits of each case, appropriate decisions are taken. The Claims Dispute
Redressal Committees at the Central and Zonal Offices have among other members a retired High Court / District Court Judge.
Alternate Channels of Premium Payment:
LIC has facility of premium payment through various alternate channels to enable the customer to pay the premium anytime and
anywhere in the country. The Alternate Channels include - a) Standing Instructions to bank, b) Credit/Debit Cards, c) Net Banking
facility, d) IMPS e) Payment in cash or by cheque by walk in customers at authorized collection centres.
Premiums can be paid through Alternate Channels only for in-force policies which are not under Salary Savings Scheme (SSS). For
the year 2017-18, 52.34% of Total Renewal Premium transactions were collected through Alternate Channels. The various Alternate
Channels for Collection of Premium are as under:
A. Offline Payment Channels:
• National Automated Clearing House (NACH): This facility, introduced in LIC with effect from 8th November 2016, is
available Pan India on the NPCI platform of core banking through standing instructions to Bank. Through NACH, premium
can be collected for ULIP and Health Insurance (HI) policies also and for all frequencies (mode of payment).
• Electronic Bill Presentation and Payment (EBPP): Premium can be paid through registration on the websites of
Corporation Bank, HDFC Bank, ICICI Bank, Federal Bank, Axis Bank, Bill Desk and Tech Process which cover almost all
banks throughout the country.
• ATM: Banks can collect premium through ATMs also. At present, Corporation Bank and ICICI Bank have enabled this facility.
Premium Collection facility for all (excluding ULIP & Health Insurance) in-force policies other than Monthly Mode and
Salary Savings Scheme is available under EBPP and through ATM. E-receipts are sent to the registered email-id of
customers.
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B. Online Payment Channels:

Customers’ Portal Payment Gateway (Digital Payments): Premium can be paid online on LIC Website, www.licindia.in
through Net Banking Facility, E Wallets, Debit Cards free of charges. Conditions apply for Credit Card transactions.
Payment through UPI/BHIM : Premium can be paid through UPI/BHIM free of charges made available on Customer’s Portal
Payment Gateway.
Premium Collection through Banks:
• Corporation Bank: Premium can be paid at any Branch or Extension Counter of Corporation Bank in cash or cheques
drawn on Corporation Bank.
• Axis Bank: Premium can be paid at any Branch or Extension Counter of Axis Bank in cash or cheques drawn on Axis
Bank.
• City Union Bank: Premium can be paid at any Branch or Extension Counter of City Union Bank in cash or cheques
drawn on City Union Bank.
Premium collection for ULIP and Health Insurance Policies is not enabled through the cash counters of these Banks.
• Premium collection through Franchisees:
• Following are the approved Franchisees :
a. APOnline : a digital gateway for the Government of Andhra Pradesh and Telangana. (website www.aponline.
gov.in)
b. MPOnline: a digital gateway for the Government of Madhya Pradesh. (website www.MPonline.gov.in)
c. Suvidhaa Infoserve Pvt. Ltd. : It is a Collection Center pan India for bill collection. Toll Free helpline number
: 9223225225
d. CSC Centers through CSC e-Governance Service India Ltd: The Common Services Center (CSC) Scheme
is a part of the National e-Governance Plan (NeGP). There are more than 1.25 lac CSC centers throughout the
country out of which approx 60,631 have been activated for LIC Premium collection. Other Collection Centers
also are gradually being enabled for collection of premiums.
• Premium can be collected only in CASH upto a maximum limit of ` 50,000 in a single transaction.
• Valid Receipts are issued by the Collection Centres instantly.
• No Service Charges are required to be paid to the Collection Centres to avail this facility by the Policyholders.
Premium collection for ULIP and Health Insurance Policies is not yet enabled through the Collection Centres of Franchisees.
• Premium Collection through Senior Business Associates (SBA): Selected Development Officers called SBAs are
authorized to collect the premium both in Cash and Cheque online and issue receipt instantly. Premiums can be collected
for Conventional, ULIP and Health Insurance policies. At present, approximately 3,252 SBAs and 92 ASBAs (Aspiring
SBAs) are enabled to collect premium. Their Collection Centres are referred to as “Life Plus”.
• Premium Collection through Empowered Agents: In tune with the increasing Customer Expectation for more
conveniences in Servicing, the Corporation has empowered selected Agents to collect the Renewal Premium through
their Collection Centres called as “Premium Point”. At present, there are approximately 34,921 Authorized Agents
across the country who can collect the premium (including ULIP and Health Insurance Policies) in CASH or CHEQUE
and issue a valid receipt instantly.
• Premium Collection through Retired Employees: Selected retired LIC employees are also authorized to collect the
premium online and issue receipt instantly. At present, more than 290 Retired Employees are authorized across the
country who can collect premium for all policies.
• Premium Collection through LICAs (LIC Associates): LICAs are also authorized to collect premium online and issue
receipt instantly. At present, more than 52 LICAs are authorized across the country who can collect premium for all
policies.
• LIC Mobile Application :Premium can be paid online using LIC Mobile application ’MyLIC“.
• Payment of premiums through POS Terminals: Renewal Premium can be paid by Policyholders using Debit Cards
only at POS machines installed at selected Branches and Premium Points of authorized Merchants.
• Online Loan Repayment and Payment of Loan Interest: This service is enabled from September 2017 on the LIC
website www.licindia.in, Customer Portal and through the MyLIC App.
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Customers’ Grievance Redressal:

The Corporation has Grievance Redressal Officers at Branch/ Divisional/ Zonal/ Central Office to redress grievances of Customers.
Their names and time of availability are published in newspapers with wide circulation from time to time and also available on our
website. The spirit of Customer Relations and Customer Care has been ingrained in our Complaint Redressal System with emphasis
on placing Customer Oriented Personnel at all Touch Points. IT enabled Support System has been operationalised to reduce manual
interventions and minimize grievances.
For redressal of Grievances, the Policyholder / Claimant can approach Insurance Ombudsman. The Ombudsman functions within
a set geographical jurisdiction and can entertain disputes relating to partial / total repudiation of claims, 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 premium
paid or payable in terms of the policy and non-issuance of insurance documents. Ombudsman Offices are located at Ahmedabad,
Bengaluru, Bhopal, Bhubaneswar, Chandigarh, Chennai, Delhi, Guwahati, Hyderabad, Jaipur, Kochi, Kolkata, Lucknow, Mumbai,
Noida, Patna and Pune.
For ensuring quick redressal of Customer Grievances the Corporation has in place, Customer friendly online system- ‘Integrated
Complaint Management System’ (ICMS) through ‘LIC’s e-services’ available on our website www.licindia.in, where a registered
policyholder can directly register complaint and track its status. Customers can also contact at e-mail id co_crmgrv@licindia.com for
redressal of any grievances.
Customer Zones:
Total 73 Customer Zones are operative across India which works as ‘One-Stop Centre’ for resolution of all servicing needs of a
Customer, with special emphasis on ‘Quality Experience’.
Annuity Payments:
Annuity policies serve the purpose of secured and guaranteed returns in old age. We have over 29.62 lakh policies where annuities
are being paid. Dedicated Individual Pension Plan (IPP) Cells have been set up in 8 Zonal Headquarters and 3 Divisional Offices
namely Ahmedabad, Bengaluru & Kolkata to take care of servicing of these annuity policies. Annuity payments are made through
NEFT/ ECS - directly to the Bank Account of the Annuitants.
Policy payments through National Electronic Fund Transfer (NEFT):
During 2017-18, LIC has settled 3.58 Crore policy payments by NEFT (National Electronic Fund Transfer) for an amount of
` 1,04,825.42 Crore which is 93.71% of the total payment.
New Initiatives:
- Revamping of Customer Portal
- Online Revival
- Online Loan request
- Online Loan/ Loan Interest repayment
- Aadhaar authentication (wherever provided by customer)
LICHELP: (Anytime Anywhere Service)
This initiative of LICHELP has gained popularity in recent times. The Policyholders need to send SMS “LICHELP <policy no> to
“9222492224”. An acknowledgement SMS with a reference number is received by the Policyholder and Customer Zone employee
contacts the customer for resolution of complaint/query. At each stage of complaint resolution, the policyholder is updated through
SMS/e-mail. For F.Y. 2017-18, total 3,60,987 SMS were received and queries were attended to promptly.
Mobile App:
LIC launched three Mobile Apps namely; “LIC Customer”, “Quick Quotes” and “Pay Direct” which are made available in a
container App namely “MyLIC”. As on date, there have been more than 85 Lakh downloads of the App with a rating of four on a
scale of five.
The details available in these Apps are as under:
1) LIC Customer: This app will give details about our Products along with Premium Calculator, details of Doctor, Office locator
as well as options to pay Renewal Premium, Loan Repayment and Loan Interest payment. There is option to register for LIC’s
e-Services by uploading the necessary documents. In addition, registered Portal Users can view all options available in LIC’s
e-Services.
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2) Quick Quotes: This app generates Premium Quotes with Benefit Illustration.
3) Pay Direct: This app has options to pay Renewal Premium, Loan Repayment and Loan Interest payment without registering
on Customer Portal.
These apps work on both Android & iOS mobile operating system; and can be downloaded from the respective app stores.
14. CORPORATE COMMUNICATION
In the year 2017-18, it had been our endeavour to take up various publicity activities that enhance LIC’s brand image and also add
intrinsic value to our product promotions and marketing efforts. Major focus was to increase our brand visibility and presence Pan
India.
As the Diamond Jubilee year celebrations drew to close, 75 Mega events were undertaken Pan India as part of LIC Anniversary
Celebrations. Besides these, adoption of 78 villages and 1,391 schools were done in the Diamond Jubilee Year.
Our presence has been consistent in more than 125 Magazines/Publications and we ran 36 campaigns in Newspapers apart from
35 advertisement campaigns for tenders and advertisements for other departments. This year, new plan launching events and
advertising campaigns for 8 new products were carried out, along with press releases in major newspapers, on the launching day
itself.
Through out the year, our brand presence was visible on National and Regional News Channels, National and Regional General
Entertainment Channels, Sports Channels, Infotainment Channels and Doordarshan. We sponsored major international and national
sports events, tournaments wherein there was sizable viewership, Important events like India Economic Summit in association with
CNBC TV18, Indian of the Year in association with CNN News 18, Sahitya Aaj Tak in association with Aaj Tak etc were sponsored,
which were highly viewed giving us wide range of publicity mileage. We were active on 173 stations of 16 FM channels and 172
stations of All India Radio.
Aircraft Branding Pan India was done with Spice Jet for Cabin Bulkheads. Cinema Screen Branding for more than 8,000 screens
across the country was done through UFO, Cube, K-Sera Sera, PVR, Inox and Cinepolis. Sponsorships of more than 100 ground
events in various categories like Education, Sports, Literature and Music, Cultural events, Insurance Summits, Awards and
Conferences were undertaken.
Our PR activities complemented our publicity efforts. Issue of Press Releases,Press conference ensured that we were always in the
limelight. 5 Press conferences were conducted during the year wherein the interaction with the Press gave us good media exposure.
Special Initiatives viz LIC-Student of the Year was conducted at 8,986 Schools, 2,847 colleges were covered under the College
Campus Activity, Mobile Van Activities for 17,106 days were organized. We also continued with the Nationwide Movement of Swachh
Bharat Swasth Bharat campaign wherein Cleaning activities in 11,555 parks/streets/offices were undertaken and 10,304 Medical
camps were conducted during the year.
Presence in Digital Advertising was established through 8 major Digital advertisement campaigns on our Products, Customer
Services and Agency as a career. Advertising presence was achieved across major websites like Yahoo, MSN, Times of India,
Moneycontrol, Economic Times, Indian Express, News18, NDTV, Hindustan Times, Jagran, Bhaskar, Sify, Financial Express,
Firstpost, Facebook, Google Wifi Bloomberg Quint & Sony LIV. LIC endeavours reach out to its Customers and Public also through
its Social Media “LIC India Forever”. Fan count on Facebook is more than 6.5 million. Our Twitter handle has more than 35,000
followers and our Youtube channel has more than 9,500 subscribers.
LIC won 27 prestigious awards during the year. Among the various notable awards, we won are Money Today Financial Awards,
The Golden Peacock Award for Excellence in Corporate Governance, Golden Peacock Award for National Training 2018, Dun &
Bradstreet India’s Top PSU Award and Best Indian Brands 2017.
15. Right to Information Act, 2005-RTI
Administrative Structure of RTI in LIC for the year 2017-18
a) CPIOs
Central Office Chief (RTI)
Zonal Offices Secretary (Customer Relationship Management) of respective Zones
Divisional Offices Manager (Customer Relationship Management) of respective Divisions
Zonal Training Centers Manager (Administration) of respective ZTCs
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b) Alternate CPIOs
Central Office 1. Chief (SBU-IO)
2. Chief (Inspection)
Zonal Offices 1. Regional Manager (Legal) of respective Zones
2. Secretary (Personal & Industrial Relatlions) of respective Zones
Divisional Offices 1. Manager (Legal) of respective Divisions
2. Manager (Personal & Industrial Relatlions) of respective Divisions
c) Appellate Authorities
Central Office Executive Director(RTI)
Zonal Offices Regional Manager (Customer Relationship Management) of respective Zones
Divisional Offices Marketing Manager. If CPIO is Divisional Manager cadre, then Sr. Divisional Manager
(I/C) of respective Divisions
Zonal Training Centers Director, ZTC of respective Zones

d) Alternate Appellate Authorities
Central Office 1. Executive Director (Human Resources Development/ Orgainisation Development)
2. Executive Director (Inspection)
Zonal Offices 1. Regional Manager (Personal & Industrial Relatlions) of respective Zones
2. Regional Manager (Estate & Office Services) of respective Zones
e) CAPIOs: Chief Manager/Sr. Branch Manager/Branch Manager(I/C) of respective Branches, In-Charges of Satellite Offices,
P&GS Units and Audit Centers. In the absence of these Officers -next Senior Most Officer
Total number of CPIOs: 130
Total number of Appellate Authorities: 130
Total number of CAPIOs: 3,552
LIC`s Experience during 2017-18
During the year ending 2017-18, the Corporation has received 12,937 Applications, 2,242 Appeals and 292 CIC hearing notices.
Applications: The North Central Zone has received the highest number of applications i.e. 2,869 followed by 2,521 applications in
North Zone & 1,715 applications in Central Office.
Appeals: The North Central Zone has also received the highest number of appeals i.e. 481, followed by 414 in North Zone & 300
in East Central Zone.
CIC Hearings: The Central Zone attended the highest number of hearings i.e.70, followed by 54 of Central Office & 49 cases in
Northern Zone.
Compensation & Penalty: No Penalty or Compensation was imposed upon LIC by CIC during the year 2017-18.
RTI On-line Module: All RTI applications and Appeals received by offices of LIC of India are processed through RTI On Line Portal
maintained by the Government of India and a link is also provided in www.licindia.in>>RTIcentre>>RTI online
RTI Statistics
2009-10 2010-11 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18

Applications 6,897 9,553 12,350 13,536 14,665 15,047 16,424 14,358 12,937
Appeals 1,473 1,919 2,242 2,425 2,474 2,281 2,784 2,479 2,242
Hearings 108 384 160 619 283 303 462 356 292
No. of penalty 1 0 1 2 3 0 0 0 0
cases
No. of 3 5 3 6 3 0 0 0 0
compensation
cases
Percentage of 1st Appeal and 2nd Appeal to total number of RTI Applications received for the year 2017-18 is 17.33% and 2.26%
respectively.
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16. PERSONNEL & EMPLOYEE RELATIONS

(a) Staff Strength
The number of employees of the Corporation as on 31.03.2018 is 1,11,979 as against 1,15,394 at the end of the previous
financial year.
(b) Employees Relations
Cordial and harmonious relations amongst employees were maintained throughout the year and the morale of the work force
was sustained to combat the challenges being faced by the industry.
(c) Empowerment of Women
At every stage in the Corporation, women officers/employees have contributed significantly. The strength of women employees
in the various categories as on 31.03.2018 is as under:
Category Total Number Female employees

Class-I Officers 32,803 7,041
Development Officers 22,830 1,148
Class III/IV employees 56,346 16,321
Total 1,11,979 24,510
In the Corporation, Committees for prevention of sexual harassment of women at workplace are in place at Central Office,
Zonal Office and Divisional Office level.
(d) Reservation – National Policy Implementation: -
1. Scheduled Castes, Scheduled Tribes and Other Backward Classes.
It is the endeavor of the Corporation to implement the instructions related to all reservation matters of SCs/STs/OBCs
issued by Government of India and to provide reservation in recruitment and promotions in accordance with the provisions.
In order to discuss issues related to reservation policy and to have effective redressal of the grievances of SC/ST/OBC/
XSM/PWD employees, Welfare Cells are actively functioning at Central Office, Zonal Office and Divisional Office levels.
Chief Liaison Officers have been appointed for SC/ST/PWD/XSM employees and separately for OBC employees at
Central Office level. Zonal Liaison Officers for SC/ST/PWD/XSM and OBC employees separately have been designated
in all the eight Zones of the Corporation. Periodical meetings with All India office bearers of SC/ST Welfare Association/s
are organized at Central Office level in presence of all the Liaison Officers for SC/ST/XSM/PWD and various issues
related to SC/ST employees are discussed during the said meetings. Periodical meeting with All India office bearers of
Welfare Association of OBCs are also held at Central Office.
Central Office has conducted workshops on reservation policies to impart up-to-date knowledge / latest instructions about
the reservation related areas to the officials dealing with reservation matters, Liaison Officers as well as to the office
bearers of SC/ST Welfare Associations. Pre-promotion/Recruitment training programmes are being conducted at various
levels for desirous SC/ST candidates. Pre-recruitment Training was arranged for interested SC/ST candidates applied for
the Post of Apprentice Development Officers.
Liaison Officers as well as the office bearers of SC/ST Welfare Associations are being nominated by Central Office for training
program on reservation matters through the Government approved Institutes, specialized for organizing such trainings.
2) Persons with Disabilities: -
In accordance with the instructions issued by Government of India and with a view to help and support rehabilitation of
Persons with Disabilities, the Corporation has identified jobs for recruitment of differently abled (Physically challenged)
which include orthopaedically, hearing and visually handicapped. The total reservation of vacancies relating to jobs/posts
identified in Class-I, III and IV is to the extent of 3%. Reservation in promotion is provided to the cadres of Record Clerk
and Higher Grade Assistants. Monetary benefit such as Conveyance allowance to Blind, Orthopedically handicapped and
Deaf & Dumb employees is also paid as per the provisions made by the Government of India.
3) Ex-Servicemen: -
The Corporation has provisions for recruitment of Ex-Servicemen as per Government guidelines.
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(e) Housing loan to Agents (Club Members)

Under the Agents Housing Scheme an amount of ` 47.73 crores was sanctioned as at 31.03.2018 to agents of the Corporation.
The various staff housing schemes of the Life Insurance Corporation are managed by LIC-Housing Finance Ltd.
(f) Office Services :
More than 99% of all payments to employees, pensioners and vendors were done through electronic mode.
A new initiative in the form of Model branch campaign has been floated in the year 2017-18. The response was overwhelming
and the branches participated in the campaign wholeheartedly.
The activities of every office are being monitored through the in-house ambience portal. Ambience Poll is conducted on a
quarterly basis. The participation percentage showed an increasing trend in the year 2017-18.
As many as 1,05,962 saplings were planted by our offices across the country.
(g) Sports:
All India LIC Games 2017-2018:
The Corporation’s biggest sports event of the year, the “All India LIC Games 2017-2018” was successfully conducted at
Bhubaneswar from 9th to 12th November 2017. New record was created in Men’s Individual Athletics event 110 M Hurdles by
Mr. A Yogesh (SZ) NMR – 53.1 Sec (old record stood for 18 yrs in the name of Mr. Abhishek Pandey (NCZ) – 53.2 Sec at LIC
Athletics Meet 2000, Gandhinagar).
All India Public Sector Sports Event:
This year, All India Public Sector Volleyball Tournament was successfully hosted by LIC at Vadodara (WZ) from 17.01.2018 to
20.01.2018. LIC Team won the Championship Trophy.
Major Achievements of LIC Teams/ Sportspersons:
In the year 2017-2018, LIC sportspersons participated in more than 20 National/International level sports events and won
Medals for the Corporation. The details of Medal winners are as follows –
Athletics:
Name of Athlete Medal Tournament/Meet Venue and Date

Mr Joyline Lobo Silver Medal 21st Federation Cup National Patiala,
Ms Monika Athare Bronze Medal Athletics Championships 2017 June, 2017
Mr Kalidas Hirawe Bronze Medal
Mr Ritesh Kumar Bronze Medal
Mr Joyline Lobo Silver Medal 57th National Inter State Sr. Guntur,
Mr Kalidas Hirawe 2 Bronze Medals Athletics Champ 2017 July, 2017
Mr Joyline Lobo Bronze Medal Senior National Athletic Chennai,
Championship 2017 September, 2017
Mr Kalidas Hirawe Gold Medal BSF Half Marathon 2017 New Delhi,
October, 2017
Mr Kalidas Hirawe Silver Medal Tata Steel International Kolkata,
25 KM Marathon December, 2017
Ms Monika Athare Gold Medal New Delhi Marathon 2017 New Delhi,
February, 2018
Carrom:
Name of Player Medal Tournament Venue and Date

Ms S Appoorwa Bronze Medal (Singles) Senior National & Inter-State Chennai,
Silver Medal (Team) Carrom Championship 2017 November, 2017
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Badminton:

Mr Siddharth Bronze Medal
(Men Singles)
Ms Varda Dixit Bronze Medal
(Women Singles)
All India Inter-Institutional Vijaywada,
Mr Jaison Xavier & Bronze Medal
Badminton Tournament 2017 August, 2017
Mr N Naga Vinayak (Men Doubles)
Ms Shraddha Srivastav & Bronze Medal
Ms Varda Dixit (Women Doubles)
Mr Prem Singh Chouhan & Bronze Medal
Ms Vardha Dixit (Mixed Doubles)
Chess:

World Grand Master Swati Ghate Bronze Medal National Women Challengers Mysore,
Chess Championship 2017 July, 2017
World Grand Master Swati Ghate Gold Medal Commonwealth Chess New Delhi,
Championship July, 2017
World Grand Master Kiran Bronze Medal Asian Cities Chess Championship Bhubaneswar,
Manisha Mohanty August, 2017
Volleyball:
Name of Team Medal Tournament Venue and Date

All India Volleyball Team 2017 Gold Medal All India Public Sector Tournament Vadodara,
2017 January, 2018
17) HRD/OD AND TRAINING ACTIVITIES
In the year 2017-18, the focus of HRD Department was to build, nurture and develop a talent pool of Human Resources by providing
need based training to the employees, enhancing their domain knowledge, computer skills and upgrading the behavioural skills.
i. An Employee Engagement Programme (EEP) – ’veS ef#eeflepe keÀer Deesj – Towards New Horizon” was conducted for RC to
AO cadre employees (including Development Officers) with the objective of sharing information about LIC’s performance, new
initiatives and challenges in Insurance Sector.
EEP covered inputs on LIC’s theme of the year “Performance Excellence through Disruptive Innovation”. It also covered
Macro Economic Environment, Competitive scenario, new initiatives in the areas of Marketing, Direct Marketing, New Business,
CRM and IT. Also there was Brain storming sessions on how to go digital.
ii. 2,311 Sessions of Employee Engagement Program were conducted across India covering 92,165 employees (93.61% of Target).
iii. Knowledge Network Portal has been developed and hosted on the HRD website of Corporate Office where Presentations,
Research Reports, Case Studies and other knowledge documents can be shared. This has enabled all the Training Centres
to have a common channel of communication, skill enhancement, information sharing, thus making our Training Centers a
platform for the flow of knowledge which will be smoother, faster, purpose-oriented and measurable.
iv. Training Needs of Class-I Officers were captured through HRD Module.
v. The training activities were carried out through our In-house Training Centres i.e. MDC and 8 Zonal Training Centres as well
through reputed External Training Institutes like NIA, ISB, IIMs, ASCI etc. by Central Office and Zonal Offices.
vi. 09 officers were sent for training to foreign countries.
vii. In order to enhance functional and domain knowledge of employees to help provide better service to customers, training
on functional aspects was imparted to 30,579 Class III employees through Employee Training Centres/Computer Training
Centres at Divisional level.
viii. ISO CERTIFICATION
1) HRD/OD Department (all four wings i.e. Training, Library, Sports & Official Language Implementation), Central Office has
been issued License for Quality Management System Certification in accordance with ISO/9001:2015 by Bureau of Indian
Standards on 17th January, 2018. The License will be valid till 16th January, 2021.
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2) All 8 Zonal Training Centres have also obtained ISO Certification.
ix. LIC has won the following Training/HR Awards during the year 2017-18
l 7th Annual Greentech HR Platinum Award 2017 for Training Excellence (3rd time in a row)
l Certificate of Appreciation by the Jury of BML Munjal Award 2017
l Golden Peacock National Training Award in Training for the year 2018 (3rd time in a row)
l Global Best Employer Brand Award 2017 for Excellence in Training
The breakup of Administrative Personnel Training Activities and Customized Programmes conducted by CO/HRD during
2017-18 is given below:
Administrative Personnel Training Activities:
Training Institute Total Employees Trained

(2017-18) (2016-17)
MDC/ZTCs 39,350 31,793
NIA 2,487 2,116
External Training(Open programs) 372 439
Customized training 848 1,049
External training by the Zones 1,840 3,127
Foreign Training 09 04
Class III Training ( Employee Training Centre) 30,579 48,303
Class IV Training (Through Divisions) 2093 2,557
Employee- Engagement Programme 92,165 93,329
“Naye Kshitij Ki Aur - Towards New Horizon”
Customized Programmes:
Sr.No. Name of Program No. of employees trained

1 Training for Principals (STC) 27
2 Training of ITSG Officers 51
3 Training on IRDAI Regulations for FMs. 132
4 Training on RTI Matters 32
5 Training on Prevention of Sexual Harassment of Women 31
6 Train the Trainer ‘ for FMs of ZTC/STC 24
7 Training on ‘Research Methodology” for FMs 24
8 Training for Nominee Directors 25
9 Train the Trainer for EEP 25
10 Finance for Non-finance for DMs. 211
11 Induction/Refresher training for Estate Officials 68
12 Training for IT Officials 58
13 Training on Capacity Building for Actuarial Officials 28
14 Training on ISO for HRD/OD & Engg. Dept. 38
15 Leadership Development Prog. for SDMs at ISB 38
16 Foreign Training 9
17 Training for RCs posted in Central Office 36
Total Trained 857
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18. MANAGEMENT DEVELOPMENT CENTRE (MDC)

“ Job training empowers people to realize their potential and improve their lives.”
Sylvia Mathews Burwal
Management Development Centre, being a premier training institute of the Corporation, has been effectively playing its role
in developing the human capital of the Organization. MDC is striving continuously for providing latest training inputs to Middle
Management Level Officers of the Corporation. Many initiatives have been undertaken for designing new modules and upgrading
existing ones. The Centre is committed to upholding its image as an IS/ISO 9001:2015 certified training institution. Team MDC is
striving hard to go beyond these standards.
MDC has for the first time crossed the landmark of training 10,000 Officers as at 31.03.2018. This year, training was imparted to
11,153 (4,075 in-house and 7,078 through video conferencing) as against 5,880 Officers (3,644 in-house and 2,236 through video
conferencing) last year thus registering a growth of 89.67%.
19. OFFICIAL LANGUAGE IMPLEMENTATION
(i) General Remarks/Comments on Files/Notes were published in 11 regional languages (Assamese, Urdu, Oriya, Bangla,
Punjabi, Malayalam, Tamil, Telugu, Kannada, Marathi and Gujarati).
(ii) Hindi Day and Hindi Pakhwada were organized in foreign offices (Fiji, Mauritius and UK) and simple Hindi knowledge competition
was organized.
(iii) Following the orders of the Department of Official Language, Ministry of Finance, GOI, the “Third Saturday” of every month in
the Corporation was celebrated as ‘Hindi Saturday.’
(iv) Cash Encouragement Scheme, run by the Official Language Department, was revised on 31.03.2018 according to the norms
set by the Department of Official Language of the Government of India, the scheme will be effective from 01.04.2018.
(v) 21 standard forms that come in daily work for bilingual use has been displayed on official language-webpage. A special training
session for learning Hindi with the help of Mobile-App “Lila” was organised.
(vi) Total 33 offices of the Corporation were awarded 33 prizes by Official Language Department, Home Ministry, Government of
India and Town Official Language Implementation Committees.
(vii) The first prize was awarded to the Central Office for the third consecutive year at the All India Level, ‘Chal-Vaijayanti’ by
Ashirwaad Samajik and Sahityik Sanstha in the category of Public Sector Enterprises. Mr. Hemant Bhargava Managing
Director, was also honored with ‘Rajbhasha-Ratna’ by this institution.
20. ENGINEERING ACTIVITIES

During the year, the Corporation has completed construction of 10 Branch Office Buildings, 72 Residential units and 2 Sales Training
Centre across the Country. The Corporation has added an investment area of 1,17,877 sq.ft. at three places viz. Vishakhapatnam,
Chennai and Ghaziabad with gross rental income of ` 3.48 crore per annum from Vishakhapatnam and Chennai.
The Corporation with a view, to promote renewable and clean energy for sustainable development has total Installation of Solar
PV of 1,844 kwp as a whole and generated 15,76,970 units across the country resulting in saving of Electricity Bills to the extent of
` 141.93 lakhs and contributing to Clean Environment by way of reduction of 1,262 tons carbon emission.
21. STRATEGIC BUSINESS UNIT - ESTATES
Rental Income from the Estate Portfolio of the Corporation for the year 2017-18 is ` 341.43 crore as against ` 316.72 crore as at
31.03.2017. This reflects a growth of 7.80% over last year. The budget (` 341.17 crore) has been exceeded by 0.08%.
During the year 2017-18, 8 flats in Mumbai and three plots, one each in Mysore, Siddipet (Secunderabad DO) and Kopargaon (Pune
DO I) were purchased. An amount of ` 16.13 crore was invested towards these acquisitions.
Total amount of GST (pertaining to Estates Department) remitted as at 31.03.2018 was ` 45.24 crore.
22. INFORMATION TECHNOLOGY
The salient features of I.T. in LIC include:
1. In order to provide a secured working environment for our employees operating the in-house applications, Biometric
Authentication System has been planned to be rolled out across all LIC offices. Implementation has been completed across
the Pilot, Phase I & Phase II locations.
2. Data Warehouse is the single source of information for all the Regulatory as well as Management Information Reports. It has
been a rich source of Lead Generation and Customer Contact, as well as cost savings through initiatives like Single Notice to
Customers holding multiple policies.
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3. IRDAI has come up with Guidelines on Information and Cyber Security for Insurers on 07.04.2017. In order to comply with
these guidelines, LIC has created a new department called “Cyber Security Cell” which is headed by a Chief Information
Security Officer (CISO). The appointment of CISO is mandated by IRDAI. Further, LIC is putting up the following documents
before LIC Board for approval:
a) Cyber Security Policy.
b) Cyber Crisis Management Plan (CCMP)
c) Information and Cyber Security Assurance program (implementation plan/guidelines) in line with Board approved
Information and Cyber Security policy.
4. The cyber security cell with the help of other teams is taking various initiatives to comply with the IRDAI’s guidelines. LIC is
setting up a Security Operations Centre (SOC) in Mumbai to identify, detect, monitor and respond to various attack & threat
vectors.
LIC has implemented:
1. Next Generation Firewalls Integrated NIPS/NIDS/DLP/Anti spyware/AntiBot etc.
2. Network level encryption (GETVPN/IPsec) to strengthen the communication channel.
3. Distributed Denial of Service (volumetric attacks) on our Internet leased lines.
4. Anti-virus for Linux systems.
5. Cloud based services for online scanning of websites for vulnerabilities on daily basis.
LIC is taking steps to:
1. Identify the gaps vis-à-vis IRDAI’s requirements and plug the same in time bound manner by carrying out configuration audit,
vulnerability assessment, penetration testing, secure network architecture review, application security and secure code review.
2. Adhere to comply with the 307 controls defined in Annexure-A of IRDAI guidelines by the Corporation by carrying out IS audit
for large and medium offices.
3. Implement Asset Management Tool (AMT) for life cycle management of assets and Security Incident and Event Management
(SIEM) tools for log collection, monitoring and correlation.
LIC completed two rounds of Information Security related user awareness training for all employees and initiated the round for the
year 2018-2019.
Software Development
Provides software support to the Corporation from Central Office to Zones, Divisions, Branches, Satellite Offices, Mini-Offices by
providing the software for:
• Marketing activities for New Business Operations, Underwriting, Policy Issuance, Commission and other Payments to Agency
and Development Officers and all the other channels of Marketing.
• All CRM Functions such as Claims, Policy Servicing, Revivals, Loans, Salary Savings, Annuity Policies, Unit Linked Policies,
NACH and Customer Zone
• Activities pertaining to Finance & Accounts, Office Services, Audit, Inspection
• Activities pertaining to Valuation Data Extraction and Year End Operations
• System for Online Sale of Policies and subsequent servicing aspects
• Robust Management Information System to provide Decision Support System at all levels
The year 2017-2018 saw the department responding successfully to the changing external environment. Implementation of GST
was a major challenge which was completed successfully as per schedule.
Customer Care was enhanced by providing the following provisions:
• Online loan payment and online loan/loan interest repayment provisions
• Spot Revival Provision on Customer Portal
• Customer Mobile Apps on iOS and Android stores
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61 st Annual Report
Further facilities were provided to our customer by:

• Launch of PMVVY (Pradhaan Mantri Vaya Vandana Yojana) on online platform
• Launch of Cancer Cover on the online platform
• Online request functionality for linking Aadhaar to policies
• Provision to collect premium under Micro Insurance policies through the CSC channel
• 49.25 crores policy dockets digitized out of 52.62 crores covering 93.61%.
• 22 crores incremental documents, 18.80 lakhs Agency dockets were scanned
23. INTERNAL AUDIT
The audit of all Branch / Satellite / Divisional / Zonal Offices and Central Office Departments of the Corporation for the year 2017-18
has been duly completed as on 31st March, 2018. The total Excess & Wrong Payments of ` 83.15 Crore has been pointed out in the
Year 2017-18, showing a reduction of 11.8 % over the previous year.
In keeping with our practice of improving our systems and procedures through the use of Information Technology, the scope of
“Remote Audit” which was started in April 2013, was expanded further during 2017-18.
24. INSPECTION
Regulation 47 of the LIC Regulations, 1959 stipulates “Every office of the Corporation in India shall be inspected at least once a year
by Inspecting Officers who shall be working under the control and supervision of a Managing Director or an Executive Director.”
Inspection of all offices of the Corporation is therefore necessitated by Statutory Provisions and all offices of the Corporation within
India are inspected at least once during a financial year.
The focus was on total observance of Corporation’s Guidelines on all matters, during the year 2017-18. The Inspection Exercise,
as a pre-emptive measure against system lapses, was conducted in all the offices of the Corporation and 61.91% Branch Offices
and 57.52% Divisional Offices have been rated in the “Excellent Band” i.e. (Super Excellent, Excellent and Upgraded Excellent). In
addition to Yearly Inspection, Special Inspection of 25% of the Branch Offices after New Business Closing and Special Inspection
of all Micro Insurance Units and Health Insurance Units were conducted during the year. Also, inspection of all projects under the
Golden Jubilee Foundation was conducted. The Inspection Reports issued on the basis of the inspection exercise were analyzed and
compliances were called for. As on 31.03.2018, 99% of the Reports have been closed after adequate confirmation and certification.
25. NEW BUSINESS & REINSURANCE
The vision of New Business & Reinsurance Department is to maintain high standards of underwriting and service to stakeholders at
all levels while working within Regulatory framework and guidelines.
Underwriting Policy
Underwriting is done in a prudent and customer friendly manner, keeping in mind the objectives envisaged in the Board Approved
Underwriting Policy.
Upgrading knowledge/ skills
With a view to upgrading the knowledge/ skills of the underwriters at our Offices, the underwriters are exposed to various seminars,
workshops and training sessions. The underwriters at Central Office are deputed for seminars conducted by our Reinsurers and the
Association of Insurance Underwriters to enable them to keep abreast of the latest trends in underwriting.
Revision in Underwriting Guidelines
Keeping pace with the global changes, we have been reviewing our underwriting practices and have relaxed the Medical and
Financial Underwriting Guidelines, wherever required.
Digital Initiatives
New Business and Reinsurance Department has taken up various digital initiatives in keeping with the technological advancement,
for ease of doing business and customer convenience.
26. VIGILANCE:
During the year, Vigilance Department has made all efforts in implementing the theme of CVC – “My Vision – Corruption Free India”
- in all spheres of activity of the Corporation, and ensuring total transparency in all transactions. Towards this, Customer Meets and
Agents Meets were held at various Branch Offices to educate them about their role in this theme. School and College going children
were included in this process across the country. Mass pledges were administered to the participants.
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Further, proactive and preventive vigilance measures were taken in identifying systemic issues, if any, and their correction. Disposal
of the cases was accorded top priority.
27. NOMINEE DIRECTORS
The Corporation appoints Nominee Directors on the Boards of the Companies where it has substantial stake by way of Debt and/or
Equity. Nominees are officials of the Corporation who are in service or retired. Adequate systems are in place to review and guide
the Nominee Directors from time to time. Appointment of Nominee Directors is periodically reviewed. Nominee Directors provide
feedback with regard to operations, problems, prospects and corporate governance standards etc.
28. RISK MANAGEMENT
LIC is the largest institutional investor in the Indian financial markets. Its mammoth funds are allocated among varying asset
classes and are exposed to various risks like market risk, credit risk, interest rate risk, liquidity risk and counterparty risk. A robust
Risk Management structure is required to continuously monitor, measure and mitigate these risks emanating from such a diverse
exposure in the financial markets. The investment risks are systematically identified on a continuous basis and systems and
procedures have been evolved to address these risks in a scientific manner so that not only are the policyholders’ funds protected
but also their reasonable expectations are met. The Corporation is committed to having a continuous organizational focus on Risk
Management and has a Risk Management Policy covering areas such as Risk Vision, Risk Governance, Risk Identification, Risk
Measurement, Risk Management, Risk Monitoring & Risk Reporting.
Developments across the economy, sectors and companies are continuously tracked, through equity research reports, to enable the
Investment Operations department to take prudent investment decisions in the primary/secondary equity markets.
29. CORPORATE GOVERNANCE
Adherence to good Corporate Governance is an integral part of the philosophy of LIC’s business conduct. The driving forces behind
institutionalizing the practices of good Corporate Governance are various proactive measures, initiatives and guidance by the
Government, LIC Board and its Committees of Board alongwith LIC’s Human Resources and Agents. Our practice of Operational
Transparency, Information Sharing, Accountability and ensuring Dialogue with all the Stakeholders in addition to formulation of
value-based policies and practices at all levels made us to imbibe good Corporate Governance. This has enabled us to enhance
our Brand Equity, strengthen stake of shareholders and maintain a healthy environment within the organization. This has led to a
committed organizational focus on the customer service which in turn has contributed to a good growth in business.
30. BOARD MEETINGS
Board meetings as per regulations are generally held once in three months. During the year, six Board Meetings were held. In
addition to policy matters, the Board provides strategic direction and execution, ensures financial discipline and accountability to the
policy holders and also ensures the interest of the policyholders and stakeholders.
As per section 19 of Life Insurance Corporation Act, 1956, Executive Committee and Investment Committee are formed by the
Board. As per the IRDAI Corporate Governance Guidelines, 2016, we have Committees of the Board viz; Audit Committee, Risk
Management Committee, Policyholder Protection Committee and With Profit Committee. The Remuneration Committee has
been formed in accordance with circular reference F.No.11112/01/2007- Ins III dated 20th July 2007 issued by DFS, GOI. Further,
Building Advisory Committee, Election of Shareholders Directors Committee, Review on Wilful Defaulter Committee and Information
Technology (IT) Steering Committee have also been formed.
31. CENTRAL MANAGEMENT COMMITTEE (CMC)
Meetings of the Central Management Committee are held every month to Review the Corporation business, formulation and
execution of strategies and various issues of concern are discussed. Zonal Managers and Heads of Department of Central Office,
interact on various issues of the organization.
32. ZONAL ADVISORY BOARD (ZAB)
ZABs are constituted for each Zone, which are competent to discuss and review all matters and policies of the Zone.
33. POLICYHOLDERS’ COUNCIL (PHC)
Policyholders’ Councils are constituted in each division. PHCs discuss all the matters which relate to the servicing of the policyholders
like service to the Policyholders, Outstanding Claims, Progress of New Business, Publicity activities etc.
34. DIRECTION AS PER LIC ACT
No directives were received from the Government of India as per Section 21 of Life Insurance Corporation Act, 1956 during the year.
35. AUDITORS
With the previous approval of the Central Government, ten Audit Firms were appointed as Statutory Auditors for the year 2017-18.
The names and address of firms are given in Appendix – II (page no.126).
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61 st Annual Report
36) BUSINESS PLANS FOR 2018-19

During the financial year 2018-19, the corporation has planned for growth in new business as under:
BUDGET FOR THE FY 2018-19
TOTAL POLICIES (IN CRORE) 2.50
SINGLE PREMIUM(` IN CRORE) 24,000
NON SINGLE PREMIUM (` IN CRORE) 19,000
TOTAL PREMIUM (` IN CRORE) 43,000
37. DIVERSIFIED ACTIVITIES
a) LIC Housing Finance Limited
LIC Housing Finance Limited with its Corporate Office in Mumbai has 9 Regional Offices, 23 Back Offices, 249 Marketing
Offices and 1 Customer Service Point in the country. It also has representative offices at Dubai and Kuwait. The Company’s
shares are listed on the Bombay Stock Exchange and the National Stock Exchange and its Global Depository Shares (GDS)
listed on the Luxembourg Stock Exchange. The Company is rated ‘AAA’ by CRISIL & CARE. The Company’s Fixed Deposit
Program has been rated as ‘FAAA Stable’ by CRISIL indicating the highest degree of safety.
Growth for the year 2017-18 CAGR – 5 years

Outstanding Loan as on 31.03.2018 – ` 1,66,362.86cr + 15% 16%
Total Income for the year 2017-18- ` 15,072.91cr + 7% 13%
Net Profit for the year 2017-18– ` 1,989.59cr +3% 11%
Net worth as on 31.03.2018- ` 12,690.72cr +15% 14%
Dividend declared 340%
LIC HFL Care Homes Ltd.
LICHFL Care Homes Limited, a wholly owned subsidiary of LIC Housing Finance Limited, was incorporated on 11th September,
2001 with an Authorised Share Capital of ` 25 Crore. The basic purpose of establishing the Company was to establish &
operate assisted community living centers for the senior citizens.
During the year 2017-18, the Company earned a Profit Before Tax (PBT) of ` 144.63 lakh and Profit After Tax (PAT) stood at
` 80.09 lakh. The Company has recommended dividend of ` 0.10/- per equity shares for FY 2017-18.
The project at Bangalore Phase II was completed and handing over of the keys was done on August 12, 2013. The Company is
at present implementing a project at Bhubaneswar and the same is expected to be completed at an early date. The Company
is working to launch another Senior Living Care Homes project at Vasind in Thane district of Maharashtra in collaboration
with TATA Value Homes Limited. The project is subject to approval of concerned authorities. The Company is also working to
develop a Senior Living Care Homes project at Chhavar Ka Vas in Jaipur district of Rajasthan. The project is at its approval
stage with concerned authorities. During the current financial year the Company has acquired a land parcel at Aluva, Kerala
to develop a Senior Living Care Homes project. The Company will develop the project as per suitable model considering the
demand, prevailing rules & regulations in the state and demographic & cultural prospective.
The Company is also exploring possibilities to start Senior Living Care Homes project in Bhopal and Hyderabad subject to
viability of the projects.
With life expectancy going up and number of elderly citizens rising year after year, the Company is set on a growth trajectory
keeping LIC & LIC HFLs’ vision for fulfillment of Corporate Social Responsibility as the main focus.
b) LIC Mutual Fund Asset Management Company Ltd.
“LIC Mutual Fund (the “Mutual Fund”) was constituted as a trust on 20.04.1989 in accordance with the provisions of the Indian
Trusts Act with LIC of India as the Sponsor, the LIC Mutual Fund Trustee Private Ltd. as the Trustee and LIC Mutual Fund Asset
Management Ltd as the Investment Manager to LIC Mutual Fund. The shareholders of LIC Mutual Fund Asset Management
are LIC of India, LIC Housing Finance Ltd., GIC Housing Finance Ltd. and Corporation Bank.
As of 31st March,2018, LIC Mutual Fund was managing 25 schemes. During the year 2017-18, the AMC has mobilized gross
sales of `4,43,680 Crores from all live schemes. The total number of investors as on 31/03/2018 stood at 3,30,901. Average
Assets under Management (AAUM) was ` 20,118 Crores for the last quarter of 2017-18 and it ranked 17th in terms of AAUM.
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With a network of 212 Investor service centers, 23 Area Offices and 132 Sales team, LIC MF is present in more than 200
locations spread over length and breadth of the country. LIC MF has one of the widest distribution networks comprising IFAs,
National Distributors, Wealth Management Teams, Banks and Key Business Partners.
LIC MF has an innovative product feature called “APPS” (Auto Premium Payment System) whereby the customers can invest
their money in liquid or short term schemes and their LIC premium is paid from the Mutual Fund account. This is a unique
feature offered only by LIC MF in the industry. Similarly, LIC Mutual Fund is among the 1st Mutual Fund to offer ETF in debt
space with LIC MF GSEC Long Term ETF. The product allows retail investors to invest in GSECs with a very small ticket size
at a very competitive cost.
c) LIC Pension Fund Ltd.
LIC Pension Fund Ltd. has been promoted by LIC of India with a specific purpose of managing pension funds under National
Pension System (formerly known as New Pension System), regulated by the Pension Fund Regulatory and Development
Authority (PFRDA) for the employees of Central Govt. (excluding Defence Services) who have joined services w.e.f 1st January,
2004. For State Govt. employees, this scheme is applicable as per above as and when it is adopted by the respective State
Government.
LIC Pension Fund Ltd. is a fund management Company. LIC Pension Fund Ltd. manages five Government pattern schemes
of National Pension System
a) Central Govt. Scheme w.e.f 02.04.2008
b) State Govt. Scheme w.e.f 25.06.2009
c) NPS Lite (Govt. pattern) since 04.10.2010
d) Corporate CG Scheme (which was bifurcated from Central Government Scheme on 04.11.2012) and
e) Atal Pension Yojana (APY) w.e.f 01.06.2015.
In 2013-14, LIC Pension Fund Ltd. was granted licence to manage private sector pension funds. There are eight schemes
under the private sector pension funds viz. E Tier-I, C Tier-I, G-Tier I, E Tier-II, C Tier-II and G Tier-II. (Tier-I Schemes are
non-withdrawal pension schemes whereas under Tier-II Schemes withdrawals are permitted).Two new schemes A Tier I and A
Tier II were introduced on 10.10.2016. In all, LIC Pension Fund Ltd. manages 13 Schemes under NPS. Later on A Tier II was
withdrawn with effect from 8th May 2017.
During the year 2017-2018, LIC Pension Fund Ltd received an amount of `14,123.10 crore of funds under Thirteen schemes.
The total Assets under Management (AUM) was ` 52,709.26 crore as on 31st March 2017 which rose to ` 70,130.26 crore as
on 31.03.2018. Of the above, ` 69,175.72 crore are managed under five Government Pattern Schemes and ` 954.54 crore are
managed under Private Sector Schemes. The total income of LIC Pension Fund Ltd. increased to ` 9.75 crore in 2017-2018
from ` 7.99 crore in the previous year due to increase in AUM resulting in higher management fees and interest income on
paid up capital of the Company. The Company has recorded a net profit of `1.31 crore for the year 2017-2018. LIC Pension
Fund Limited has been awarded “The Best Performing Fund under Government Security Category” by Money Today for
Financial Year 2017-18.
The net asset value of schemes managed by LIC Pension Fund Ltd. as at 31.03.2018 was as under:
No. Government Pattern NAV Rate of Return since inception (CAGR)

1 Central Government 25.3839 9.76%
2 State Government 22.6816 9.79%
3 NPS Lite 20.8934 10.33%
4 Corporate CG 16.6773 9.93%
5 Atal Pension Yojana 12.8478 9.28%
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6 E Tier-I 17.5057 12.68%

7 C Tier-I 16.0308 10.59%
8 G Tier-I 16.3945 11.12%
9 E Tier-II 14.6202 8.54%
10 C Tier-II 15.0212 9.17%
11 G Tier-II 16.3477 11.19%
12 A Tier I 10.9393 6.33%
An additional tax benefit of ` 50,000/- had been allowed for individuals, under sec 80CCD (1b) for investing in NPS. This is in
addition to the earlier consolidated tax relief of ` 1,50,000/- permissible under section 80C.
Withdrawals from NPS (on maturity) are tax free upto 40% of the total corpus accumulated.
As the awareness about NPS increases, AUM is expected to grow further in the future.
d) LIC Cards Services Ltd.
LIC Cards Services Ltd. (LIC CSL) a Wholly Owned Subsidiary of LIC of India, was incorporated on 11th November 2008 with
the capital of ` 1 crore. The objective of the Company is to provide Credit Card services to LIC Employees, Club Member
Agents and Policyholders. LIC CSL is presently operational in all Divisional centres of LIC of India. The Company is having
its Area Offices at Ahmedabad, Bengaluru, Chennai, Delhi, Hyderabad, Kolkata and Mumbai. Engagement of 59 City Sales
Managers and 7,782 Sales Representatives were made upto 2017-18 to cover maximum number of people.
Presently, the Company has tied up with Axis Bank and Corporation Bank for issuance of Credit Cards under Co-branded /
white label agreement. LIC CSL offers free Credit Cards with lots of attractive benefits embedded into it. The cards are of
“Chip-and-Pin” variant which ensures maximum security to the card holders. There is no joining fee, annual fee and renewal
fee on the cards issued. LIC Credit Card offers a convenient and alternate mode of premium payment. During the year, the
Company has issued Gift Cards to the Employees, Agents, Subsidiaries, Group Insurance Master Policyholders of LIC and LIC
CSL.
As on 31.03.2018, the total credit card portfolio has reached to 2,06,681. During the year 2017-18, the Company has issued
35,951 credit cards and generated net profit of ` 51.44 lakh (Unaudited).
38. ACKNOWLEDGEMENT
The Life Insurance Corporation of India expresses its sincere thanks to the Hon’ble Parliamentary Committees which visited its
offices, the Hon’ble Union Finance Minister, Hon’ble Union Minister of State for Finance (Expenditure, Banking and Insurance),
the Insurance Division of the Ministry of Finance, Department of Economic Affairs and the Insurance Regulatory and Development
Authority of India for their active support, advice and co-operation on various issues.
The Life Insurance Corporation of India thanks its Board Members, Executive Committee, Investment Committee, Building Advisory
Committee, Audit Committee, Policyholder Protection Committee, Risk Management Committee, Election of Shareholder Director
Committee, Committee on Wilful Defaulter, With Profit Committee and Remuneration Committee for their valuable direction and
guidance.
The Life Insurance Corporation of India appreciates the contribution and expresses sincere thanks also to those Board Members
whose term came to an end during the FY 2017-18.
The Life Insurance Corporation of India is grateful to the millions of its Policyholders who have reposed their trust, confidence and
continued patronage to the Corporation.
The Life Insurance Corporation of India places on record the excellent contribution rendered by its Employees, Officers and Agents.
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61 st Annual Report
Summarised Results
2017-2018 2016-2017
NEW BUSINESS for the year
(` in crores) (` in crores)
INDIVIDUAL ASSURANCE
Sum Assured/ NCO/ MSB
a) Assurances 532897.48 472947.11
b) Annuities* 0.00 0.00
c) Pension* 562.10 867.73
d) Non Linked Health*** 14959.65 3013.26
e) Linked 796.45 191.18
No. of Policies (in lakh)
a) Assurances 207.27 196.18
b) Annuities 3.64 3.48
c) Pension 0.11 0.17
d) Non Linked Health 2.00 1.30
e) Linked 0.24 0.04
GROUP SCHEMES:
Sum Assured (incl Linked Business) 683601.40 195318.27
Annuities in Payment 789.38 721.09
Consideration for Annuities # 47421.94 46545.87
No. of Schemes:
Group Insurance(incl Linked Business) 26357 23201
Social Security Group Schemes 892 4812
Group Superannuation 229 245
No. of lives (in lakh)
Group Insurance (incl Linked Business) 227.99 298.34
Social Security Group Schemes 373.16 229.65
Group Superannuation 4.27 3.75
BUSINESS IN FORCE
At the end of the year ;
INDIVIDUAL INSURANCE
Sum Assured & Bonus/ APA/ MSB
a) Assurances 4985706.55 4635984.80
b) Annuities** 4046.96 2743.04
c) Pension** 2036.48 1899.26
d) Non Linked Health*** 22224.98 9989.01
e) Linked 42823.00 47970.01
No. of Policies (in lakh)
a) Assurances 2823.52 2807.55
b) Annuities 15.04 11.46
c) Pension 15.65 15.89
d) Non Linked Health 4.62 3.89
e) Linked 53.92 66.43
GROUP SCHEMES:
Sum Assured (incl. Linked Business) 1689088.82 1107659.78
Annuities in Payment 6053.71 5267.48
Consideration for Annuities # 276649.71 231563.41
No. of schemes:
Group Insurance (incl. Linked Business) 138013 138105
Group Superannuation 22938 22413
No of lives (in lakhs)
Group Insurance (incl. Linked Business) 1091.95 1072.83
Group Superannuation 86.63 72.91
NCO-Notional Cash Option,APA- Annuity Per Annum, MSB-Major Surgical Benefit
* NCO Value ** APA Value *** Major Surgical Benefit # It represents the amount available for future annuitisation
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Analysis of Income
( ` in Crore)
227023
Individual Assurance
212404
759
Individual Pension Schemes
812
89192
Group Schemes
85981
877
Linked Business Premium
1000
182096
Income from Investments
164015
Miscellaneous 27433
20862
Variation due to change in Fair

Value of Linked Business(unit fund) -3769
7553
-20000 0 20000 40000 60000 80000 100000 120000 140000 160000 180000 200000 220000 240000
2017-18 2016-17
Summarised Results (Contd.)

INCOME 2017-18 2016-2017
(` in crore) (` in crore)
First Year Premium 25098.37 22176.08
Percentage Increase over 13.18 10.55
Previous Year
Renewal Premium 175269.54 166729.73
Single Premium & Consideration for Annuities Granted 26655.09 23497.92
Individual Pension Schemes
First Year Premium 29.88 43.60
Renewal Premium 712.71 748.64
Consideration for Annuities Granted 16.60 19.61
Group Schemes
Group Insurance Premium 31010.28 28192.25
Group Superannuation Premium 58181.46 57788.39
LINKED BUSINESS PREMIUM 877.06 1000.47
Total Premium Income 317850.99 300196.69
Percentage Increase over
Previous Year 5.88 12.76
Income from Investments 182095.99 164014.97
Miscellaneous 27433.11 20862.17
Total Income 527380.09 485073.83
Variation due to change in Fair Value of linked Business(unit fund) -3768.98 7552.78
Net Total Income 523611.11 492626.61
*Previous year figures regrouped wherever necessary.
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61 st Annual Report
Policy Payments
` in crore (1 crore = 10 million)
140000
122643
120000
102065
100000
2017-2018
2016-2017
80000
60000 52326
45237
40000
20000 14386 13439

8764 6883
0
Maturity Death Annuities Surrenders
Management Expenses
` in crore (1 crore = 10 million)
25000
21082 20629
2017-2018
20000
18227 2016-2017
16590
15000 14015
11090
10000 9060
8315
5000
2422 2200
0
Commission etc. to Salary and other Benefits Other Expenses of Other Outgo (Taxes, 5% of Valuation Surplus
Agents to Employees Management Transfers to paid to the C entral
Reserves,etc.) Government

Outgo 2017-2018 2016-2017
Payments to Policy-holders
Claims by Maturity 122643.3 102065.3
Claims by Death 14385.6 13438.84
Annuities 8764.46 6882.69
Surrenders, etc. 52326.47 45237.44
Total Amount 198119.83 167624.27
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Expenses of Management 2017-2018 2016-2017
Commission etc. to Agents 18226.82 16590.07

Salary and other Benefits to Employees 21081.97 20629.37
Other Expenses of Management 9060.42 8315.28
Total 48369.21 45534.72
Other Outgo
Other Outgo (Taxes, transfers to reserves,etc.) 14015.19 11090.06
5% of Valuation Surplus paid to the Central Government 2421.82 2200.33
Total 16437.01 13290.39

Total Outgo 262926.05 226449.38
*Previous year figures regrouped wherever necessary.
Policy Liabilities 2017-2018 2016-2017

Non Linked Business
Policy Liabilities at the beginning of the year 2263289.12 1998641.7
Add : Excess of Income over Outgo 270275.53 264647.42
Policy liability at the end of the year 2533564.65 2263289.12
Percentage Increase over the previous year 11.94% 13.24%
Linked Business
Policy Liabilities at the beginning of the year 60512.33 58983.62
Add : Addition during the year -9592.06 1529.71
Policy liability at the end of the year 50920.27 60513.33
Percentage Increase over the previous year -15.85% 2.59%
Outstanding Claims at the end of the year 2017-2018 2016-2017

(` in crore (` in crore)
Maturity 3141.64 1572.78
Death 95.91 202.53
Total 3237.55 1775.31
Ratio of Expenses of Management To Total Premium Income

Commission etc. to Agents 5.74% 5.53%
Salary and other benefits to Employees 6.63% 6.87%
Other Expenses of Management 2.85% 2.77%
Overall Expenses Ratio 15.21% 15.17%
Ratio of Outstanding Claims To Claims payable 2.36 1.54

Rate of Interest realised on Mean Life Insurance Fund 7.71 7.78
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New Business Figure 2015-16 to 2017-18
Policies
(in crore)
2.5
2.13
2.05 2.01
1.5
2015-2016
2015-2016 2016-2017 2017-2018
Sum Assured/NCO Annual Premium Receivable

549216 27837
600000 459297 477019 30000
550000
500000 24747
450000
400000 25000 22313
350000
300000
250000
200000 20000
150000
100000
50000
0 15000
2015-2016
2015-2016 2016-2017
2016-2017 2017-2018
2017-2018 2015-2016
2015-2016 2016-2017
2016-2017 2017-2018
2017-2018
Table No. 1 A NEW BUSINESS (INDIVIDUAL)

NEW BUSINESS IN INDIA NEW BUSINESS OUT OF INDIA TOTAL NEW BUSINESS
Year No. of Sum Annual No. of Sum Annual No. of Sum Annual
Policies Assured/ Premium Policies Assured/ Premium Policies Assured/ Premium
NCO Receivable NCO Receivable NCO Receivable
(` in cr.) (` in cr.) (` in cr.) (` in cr.) (` in cr.) (` in cr.)
2015-2016 20223893 453545.36 22105.97 13035 749.68 38.30 20236928 454295.04 22144.27
2016-2017 19603332 472122.09 24532.43 14378 825.02 41.18 19617710 472947.11 24573.60
2017-2018 20711779 531992.11 27579.78 15376 905.37 47.11 20727155 532897.48 27626.90
General Annuity
2015-2016 103852 0.00 0.00 - - - 103852 0.00 0.00
2016-2017 348251 0.00 0.00 - - - 348251 0.00 0.00
2017-2018 363756 0.00 0.00 - - - 363756 0.00 0.00
Pension
2015-2016 24206 1098.69 58.96 - - - 24206 1098.69 58.96
2016-2017 17258 867.73 93.07 - - - 17258 867.73 93.07
2017-2018 10635 562.10 29.95 - - - 10635 562.10 29.95
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NEW BUSINESS (Contd.)
NEW BUSINESS IN INDIA NEW BUSINESS OUT OF INDIA TOTAL NEW BUSINESS
Year No. of Sum Annual No. of Sum Annual No. of Sum Annual
Policies Assured/ Premium Policies Assured/ Premium Policies Assured/ Premium
NCO Receivable NCO Receivable NCO Receivable
(` in cr.) (` in cr.) (` in cr.) (` in cr.) (` in cr.) (` in cr.)
Non Linked Health Jeevan Arogya*
2015-2016 152887 3524.39 71.46 - - - 152887 3524.39 71.46
2016-2017 129943 3013.26 61.03 - - - 129943 3013.26 61.03
2017-2018 200214 14959.65 100.43 - - - 200214 14959.65 100.43
Unit Linked
New Endowment plus
2015-2016 11669 379.16 37.95 - - - 11669 379.16 37.95
2016-2017 4459 190.13 19.01 - - - 4459 190.13 19.01
2017-2018 24316 795.03 79.50 - - - 24316 795.03 79.50
UK - Linked
2015-2016 - - - 5 - - 5 - -
2016-2017 - - - 7 1.05 0.10 7 1.05 0.10
2017-2018 - - - 10 1.41 - 10 1.41 -
* In case of Jeevan Arogya figures in SA column indicate Major Surgical Benefit ( MSB)
102
102
61 st Annual Report
New Business Group Insurance (inclusive of Social Security)

Number of Schemes
29924
30500
30000
29500
29000
28013
28500
28000 27249
27500
27000
26500
26000
2015-2016 2016-2017 2017-2018
Number of Members Sum Assured / Annuity Per Annum,

(in Lakh) (` in Crore)
618
601
620
800000 683601
600 700000
580 600000 430252

500000
560
528
400000
540 195318
300000
520 200000
500 100000
0
480
2015-2016 2016-2017 2017-2018
2015-2016 2016-2017 2017-2018
NEW BUSINESS (GROUP)

Table No. 1 B
Year No. of Schemes No. of members Sum Assured / Consideration

(in lakh) Annuity in for Annuities
payment (Rs. in crore)
(Rs. in crore)
Group Insurance (incl.Social Security)
2015-2016 29924 618.05 430251.75 0
2016-2017 28013 527.99 195318.27 0
2017-2018 27249 601.15 683601.4 0
Group Superannuation
2015-2016 302 8.15 514.66 47421.94
2016-2017 245 3.75 721.09 46545.87
2017-2018 229 4.27 789.38 39764.84
103
61 st Annual Report
Table No. 2
Social Security Scheme wise Claim payment

All Amount in 000
Converged Scheme PMJDY SSGS Earstwhile AABY Total Claim
Converged Converged AABY
PMJJBY
State No Amount No Amount No Amount No Amount No Amount No Amount
Andhra Pradesh 27400 5480000 17809 555060 116 3480 25949 455303 71274 6493843
Arunachal Pradesh 1 30 338 10170 339 10200
Assam 17 510 834 38490 851 39000
Bihar 21 630 1319 40980 1340 41610
Chattisgarh 82 2460 1524 10037 5625 217545 7231 230042
Goa 1 30 58 1830 59 1860
Gujarat 51 1530 2690 89070 2741 90600
Haryana 51 1530 32 960 83 2490
Himachal Pradesh 9 270 27 1140 36 1410
Jammu & Kashmir 27 810 160 8670 187 9480
Jharkhand 6 180 223 7445 229 7625
Karnataka 132 3960 6817 224195 6949 228155
Kerala 6 180 1016 35710 1022 35890
Madhya Pradesh 22 660 2760 18656 3665 212281 6447 231597
Maharashtra 83 2490 8222 260430 8305 262920
Manipur 0 0 0 0 0 0
Meghalaya 0 0 0 0 0 0
Mirzoram 0 0 0 0 0 0
Nagaland 0 0 3 90 3 90
Orissa 48 1440 2549 85240 2597 86680
Punjab 16 480 17 570 33 1050
Rajasthan 17 510 5168 163690 5185 164200
Sikkim 0 0 3 90 3 90
Tamil Nadu 33 990 3277 117741 3310 118731
Tripura 0 0 0 0 0
Uttar Pradesh 92 2760 4354 149090 4446 151850
UttraKhand 15 450 616 20025 631 20475
West Bengal 36 1080 551 19107 587 20187
Andaman & Nicobar 0 0 0 0 0 0
Chandigarh 4 120 1116 43879 1120 43999
Dadra & Nagar 0 0 0 0 0 0
Haveli
Daman & Diu 0 0 0 0 0 0
Delhi 23 690 289 9630 312 10320
Lakshadweep 0 0 0 0 0 0
Puducherry 0 0 310 10455 310 10455
Telangana 128 3840 29844 1446565 29972 1450405
Total 27400 5480000 17809 555060 1037 31110 4284 28693 105072 3670391 155602 9765254
104
104
61 st Annual Report
Total Business of Individual Assurance in force
Number of policies in force

(in crore)
27.92 28.08 28.24
30
25
20
15
10
2015-16 2016-17 2017-18
Sum Assured/APA Annual Premium Receivable

(` in crore)
4255523 (` in crore)
4500000.00
3970333
3736125 198743
4000000.00
200000
195000 187424
3500000.00
190000
3000000.00 185000 178784
180000
2500000.00 175000
170000
2000000.00
2015-16 2016-17 2017-18 165000
2015-16 2016-17 2017-18
Table No. 3 A IN FORCE BUSINESS (INDIVIDUAL)

BUSINESS IN - FORCE IN INDIA BUSINESS IN - FORCE OUT OF INDIA TOTAL BUSINESS IN - FORCE
Year No. of Sum Assured/ Annual No. of Sum Assured/ Annual No. of Sum Assured/ Annual
Policies APA Premium Policies APA Premium Policies APA Premium
(` in cr.) Receivable (` in cr.) Receivable (` in cr.) Receivable
(` in cr.) (` in cr.) (` in cr.)
2015-2016 279083142 3731247.02 178547.21 101459 4877.64 236.46 279184601 3736124.66 178783.67
2016-2017 280651046 3965294.32 187173.13 104063 5038.25 250.56 280755109 3970332.57 187423.69
2017-2018 282245330 4250255.66 198474.33 106223 5267.45 268.68 282351553 4255523.11 198743.01
General Annuity
2015-2016 819030 1636.96 18.56 1 0.00 0.00 819031 1636.96 18.56
2016-2017 1145890 2743.04 12.54 1 0.00 0.00 1145891 2743.04 12.54
2017-2018 1504249 4046.96 10.57 1 0.00 0.00 1504250 4046.96 10.57
Pension
2015-2016 1610266 1947.40 865.25 169 1.49 0.13 1610435 1948.89 865.38
2016-2017 1588449 1897.79 866.93 171 1.47 0.12 1588620 1899.26 867.04
2017-2018 1564651 2034.92 770.43 171 1.56 0.12 1564822 2036.48 770.56
Non Linked Health Jeevan Arogya*
2015-2016 397125 9800.77 202.63 - - - 397125 9800.77 202.63
2016-2017 389230 9989.01 206.08 - - - 389230 9989.01 206.08
2017-2018 461845 22224.98 251.03 - - - 461845 22224.98 251.03
Unit Linked - Future Plus
2015-2016 151562 58.84 14.43 - - - 151562 58.84 14.43
2016-2017 92231 51.26 11.36 - - - 92231 51.26 11.36
2017-2018 76820 46.03 10.10 - - - 76820 46.03 10.10
Jeevan Plus
2015-2016 89978 1644.58 159.74 - - - 89978 1644.58 159.74
2016-2017 82155 1521.36 156.17 - - - 82155 1521.36 156.17
2017-2018 74740 1402.79 153.01 - - - 74740 1402.79 153.01
105
61 st Annual Report
Table No. 3 A IN FORCE BUSINESS (INDIVIDUAL) (Contd.)

BUSINESS IN - FORCE IN INDIA BUSINESS IN - FORCE OUT OF INDIA TOTAL BUSINESS IN - FORCE
Year No. of Sum Assured/ Annual No. of Sum Assured/ Annual No. of Sum Assured/ Annual
Policies APA Premium Policies APA Premium Policies APA Premium
(` in cr.) Receivable (` in cr.) Receivable (` in cr.) Receivable
(` in cr.) (` in cr.) (` in cr.)
Money Plus
2015-2016 355034 3383.33 283.79 - - - 355034 3383.33 283.79
2016-2017 264684 2653.18 214.55 - - - 264684 2653.18 214.55
2017-2018 199991 2135.87 168.44 - - - 199991 2135.87 168.44
Market Plus
2015-2016 1316715 263.85 104.82 - - - 1316715 263.85 104.82
2016-2017 969816 216.19 85.50 - - - 969816 216.19 85.50
2017-2018 553581 167.94 60.61 - - - 553581 167.94 60.61
Fortune Plus
2015-2016 37017 817.97 0.10 - - - 37017 817.97 0.10
2016-2017 32748 724.36 0.00 - - - 32748 724.36 0.00
2017-2018 20140 507.69 0.00 - - - 20140 507.69 0.00
Profit Plus
2015-2016 452040 4764.91 0.01 - - - 452040 4764.91 0.01
2016-2017 391457 4139.30 0.00 - - - 391457 4139.30 0.00
2017-2018 286953 3225.43 0.00 - - - 286953 3225.43 0.00
Money Plus-1
2015-2016 40823 411.97 37.48 - - - 40823 411.97 37.48
2016-2017 31767 321.29 31.54 - - - 31767 321.29 31.54
2017-2018 26212 264.82 27.19 - - - 26212 264.82 27.19
Child Fortune Plus
2015-2016 20324 409.67 21.63 - - - 20324 409.67 21.63
2016-2017 18351 370.25 19.45 - - - 18351 370.25 19.45
2017-2018 16537 336.75 17.68 - - - 16537 336.75 17.68
Market Plus-1
2015-2016 1804405 372.31 194.12 - - - 1804405 372.31 194.12
2016-2017 1507639 312.23 159.90 - - - 1507639 312.23 159.90
2017-2018 1249746 267.18 134.52 - - - 1249746 267.18 134.52
Health Plus *
2015-2016 106130 4348.06 105.36 - - - 106130 4348.06 105.36
2016-2017 96850 3985.22 98.03 - - - 96850 3985.22 98.03
2017-2018 88350 3653.43 89.99 - - - 88350 3653.43 89.99
Health Protection Plus *
2015-2016 101419 4019.66 54.63 - - - 101419 4019.66 54.63
2016-2017 98345 3909.43 48.20 - - - 98345 3909.43 48.20
2017-2018 95695 3812.82 49.42 - - - 95695 3812.82 49.42
Jeevan Sathi Plus
2015-2016 3509 51.66 3.63 - - - 3509 51.66 3.63
2016-2017 3115 45.55 3.26 - - - 3115 45.55 3.26
2017-2018 2803 41.35 2.97 - - - 2803 41.35 2.97
Wealth Plus
2015-2016 1499865 16094.70 0.00 - - - 1499865 16094.70 0.00
2016-2017 1394932 14963.47 0.00 - - - 1394932 14963.47 0.00
2017-2018 1299666 13924.18 0.00 - - - 1299666 13924.18 0.00
Endowment Plus
2015-2016 1205113 10674.33 228.90 - - - 1205113 10674.33 228.90
2016-2017 838671 7396.66 158.35 - - - 838671 7396.66 158.35
2017-2018 664958 5859.97 126.97 - - - 664958 5859.97 126.97
Pension Plus
2015-2016 102676 0.00 104.90 - - - 102676 0.00 104.90
2016-2017 79541 0.00 85.10 - - - 79541 0.00 85.10
2017-2018 68704 0.00 75.85 - - - 68704 0.00 75.85
Samridhi Plus
2015-2016 1007369 9572.67 242.08 - - - 1007369 9572.67 242.08
2016-2017 723724 6718.15 51.94 - - - 723724 6718.15 51.94
2017-2018 626486 5781.81 39.73 - - - 626486 5781.81 39.73
Flexi Plus
2015-2016 1644 37.83 3.78 - - - 1644 37.83 3.78
2016-2017 1541 35.51 3.55 - - - 1541 35.51 3.55
2017-2018 1282 29.90 2.99 - - - 1282 29.90 2.99
New Endowment plus
2015-2016 11531 374.43 37.44 - - - 11531 374.43 37.44
2016-2017 15528 546.63 54.66 - - - 15528 546.63 54.66
2017-2018 39155 1315.25 131.52 - - - 39155 1315.25 131.52
UK - Linked
2015-2016 - - - 360 72.04 5.19 360 72.04 5.19
2016-2017 - - - 339 59.96 5.03 339 59.96 5.03
2017-2018 - - - 313 49.80 4.59 313 49.80 4.59
* In case of Jeevan Arogya, Health Plus and Health Protection Plus plans figures in SA column indicate Major Surgical Benefit ( MSB)
106
106
61 st Annual Report
BUSINESS IN FORCE (GROUP)

Premium
(` in crores) NCO/APA/SA (` in crores)
1689089
1700000
89204
100000
1600000
85992
90000 1500000
71451
80000 1400000
1300000
70000
1129590
1200000 1048582
60000
1100000
50000
1000000
40000
900000
30000
800000
20000 700000
10000 600000
2015-2016 2016-2017 2017-2018
500000
2015-2016 2016-2017 2017-2018
Group Schemes Members
160613 160518 160951 1209

180000
1146 1179
170000 1300
160000 1200
150000
1100
140000
1000
130000
120000 900
110000 800
100000
700
90000
600
80000
70000 500
60000 400
50000
300
40000
200
30000
20000 100
10000 0
2015-2016 2016-2017 2017-2018 2015-2016 2016-2017 2017-2018
BUSINESS IN FORCE (GROUP)

Table No. 3 B
Year No. of No. of Sum Assured/ Consideration Premium
Schemes members NCO/ Annuites for Annuities * Income
(in lakh) PA (` in crore) (` in crore)
(` in crore)
Group Insurance (incl. Social Security)
2015-2016 138684 1138.38 1030609.09 0 23354.67
2016-2017 138066 1072.44 1107354.19 0 28192.25
2017-2018 137978 1091.55 1688731.03 0 31010.28
Group Superannuation
2015-2016 21889 70.44 4562.86 184199.14 48049.01
2016-2017 22413 72.91 5267.48 231563.41 57788.39
2017-2018 22938 86.63 6053.71 276649.71 58181.46
Linked Business G Plus
2015-2016 40 0.4 307.33 0 47.09
2016-2017 39 0.39 305.59 0 11.80
2017-2018 35 0.39 357.79 0 11.79
* It represents the amount available for future annuitisation
107
Table - 4 Form DD
108
Statutory Statements regarding policies
New life insurance business in respect of which a premium has been paid Total life insurance business in force at the end of the year 31.3.2018
during the year 2017-2018
Number Sum insured Consideration Single Premiums Yearly Number of Sum insured Consideration Premium income
of and annuities for Annuities Renewal Policies with Bonuses for Annuities for which credit has
policies per annum Premium and Annuities been taken in the
per annum Revenue Account
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Ordinary Policies **
In India 20711779 5319921097670 - 80892018976 275797806695 282245330 49795762773423 - 2082520617675
Out of India 15376 9053669153 - 692927383 471145516 106223 61302746234 - 3250591032
Total 20727155 5328974766823 - 81584946359 276268952211 282351553 49857065519657 - 2085771208707
Annuty Contracts etc :
In India 363756 - - 184965964414 - 1504249 40469585511 - 185075220996
Out of India - - - - 1 2745
Total 363756 - - 184965964414 - 1504250 40469588256 - 185075220996
Non Linked Health #
In India 200214 149596500000 - 1004309613 461845 222249775000 - 2350101760
Total 200214 149596500000 - 1004309613 461845 222249775000 - 2350101760
Unit Linked Plans - Bima Plus
In India - - - - - - - -
Total - - - - - - - -
Linked Plan - Future Plus
In India - - - - 76820 460261360 - 70066500
Total - - - - 76820 460261360 - 70066500
Linked Plan - Jeevan Plus
In India - - - - 74740 14027885000 - 371835222
Total - - - - 74740 14027885000 - 371835222
Linked Plan - Money Plus
In India - - - - 199991 21358668750 - 1767292539
Total - - - - 199991 21358668750 - 1767292539
Linked Plan - Market Plus
In India - - - - 553581 1679405000 - 463941500
Total - - - - 553581 1679405000 - 463941500
Linked Plan - Fortune Plus
In India - - - - 20140 5076885000 - -
Total - - - - 20140 5076885000 - -
Linked Plan - Profit Plus
In India - - - - 286953 32254275000 - 20000
Total - - - - 286953 32254275000 - 20000
Linked Plan - Money Plus 1
In India - - - - 26212 2648220000 - 305237000
Total - - - - 26212 2648220000 - 305237000
Linked Plan - Child Fortune Plus
In India - - - - 16537 3367512500 - 194589496
108
Total - - - - 16537 3367512500 - 194589496
Linked Plan - Market Plus 1
In India - - - - 1249746 2671832000 - 1540254234
Total - - - - 1249746 2671832000 - 1540254234
61 st Annual Report
Statutory Statements regarding policies
New life insurance business in respect of which a premium has been paid Total life insurance business in force at the end of the year 31.3.2018
during the year 2017-2018
Number Sum insured Consideration Single Premiums Yearly Number of Sum insured Consideration Premium income
of and annuities for Annuities Renewal Policies with Bonuses for Annuities for which credit has
policies per annum Premium and Annuities been taken in the
per annum Revenue Account
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Linked Plan Flexi Plus
61 st Annual Report
In India - - - - 1282 298990000 - 23904792

Total - - - - 1282 298990000 - 23904792
Linked Plan - Health Plus #
In India - - - - 88350 36534290000 - 912277483
Total - - - - 88350 36534290000 - 912277483
Linked Plan - Health Protection Plus #
In India - - - - 95695 38128224000 - 496398306
Total - - - - 95695 38128224000 - 496398306
Linked Plan -Jeevan Sathi Plus
In India - - - - 2803 413520000 - 33253000
Total - - - - 2803 413520000 - 33253000
Linked Plan -Wealth Plus
In India - - - - 1299666 139241778000 - -
Total - - - - 1299666 139241778000 - -
Linked - Endowment Plus
In India - - - - 664958 58599670000 - 933598200
Total - - - - 664958 58599670000 - 933598200
Linked - Pension Plus
In India - - - - 68704 - - 612154286
Total - - - - 68704 - - 612154286
Linked - Samridhi Plus
In India - - - - 626486 57818110000 - 1893074
Total - - - - 626486 57818110000 - 1893074
Linked - New Endowment Plus
In India 24316 7950330000 - 795025000 39155 13152450000 - 999271538
Total 24316 7950330000 - 795025000 39155 13152450000 - 999271538
UK - Linked
Out of India 10 14131323 - 13313945 - 313 497975709 - 53682351
Total 10 14131323 - 13313945 - 313 497975709 - 53682351
Pension
In India 10635 *** - 166008289 299507481 1564651 20349231881 - 7594449540
Out of India - - - - - 171 15594804 - -
Total 10635 - - 166008289 299507481 1564822 20364826685 - 7594449540
Group Insurance Policies 27249 6836014014104 - 261619988584 11264679947 137978 16887310266874 - 310102841633
Total 27249 6836014014104 - 261619988584 11264679947 137978 16887310266874 - 310102841633
Group Annuity Contracts etc. 229 7893776548 474219384984 536902704059 18103980818 22938 60537061386 2766497081689 581814615425
Total 229 7893776548 474219384984 536902704059 18103980818 22938 60537061386 2766497081689 581814615425
Linked Business (G+) - - 35 3577885675 - 117855408
Total - - 35 3577885675 - 117855408
** Ordinary Policies indicate Individual Insurances
109
*** Notional Cash Option = `5620955000
# In case of Jeevan Arogya, Health Plus and Health Protection Plus plans figures in SA column indicate Major Surgical Benefit ( MSB)
61 st Annual Report
Life Fund
(` in crore )
2584485
2700000
2323801
2400000
2057625
2100000
1800000
1500000
1200000
900000
2015-2016 2016-2017 2017-2018
5% Share (Life Business) paid to Central Government

(` in crore )
2497
2700 2422
2200
2400
2100
1800
1500
1200
900
2015-2016 2016-2017 2017-2018
LIFE FUND, TOTAL SURPLUS, SHARE OF SURPLUS TO GOVT. AND TAXES PAID
Table 5 (` in crore)
Year Life Fund Valuation Surplus 5% Share paid 100% Share paid Taxes (incld. S.T./
Surplus Retained to to Central Govt. G.S.T) Paid
(Life) Central Govt. CRAC Business to Government
Life Business (Life)
2015-2016 2057625.32 49939.38 - 2497.03 4.72 7919.60
2016-2017 2323801.45 44006.67 - 2200.33 6.37 9427.46
2017-2018 2584484.92 48436.45 - 2421.82 8.37 10674.11
* Previous year's figures are regrouped wherever necessary
110
110
61 st Annual Report
Total Investments: 2017-18
Securities
2602947.40 Cr
(95.11%)
Loan
112392.61 Cr Other Investments
(4.11%) 21422.35 Cr
(0.78%)
Loan Securities Other Investments
Investments as at 31st march 2018

Table-6
31-Mar-18 (` in Cr)
Investment in India
I Loan* 1,12,217.85
II Securities, etc. 25,99,594.01
III Money market investments 21,349.25
TOTAL (in India) 27,33,161.11
Investment out of India
I Loan 174.76
II Securities, etc. 3,353.39
III Money market investments 73.10
TOTAL (Outside India) 3,601.25
TOTAL 27,36,762.36
* including Policy Loans & Mortgage Loans
111
61 st Annual Report
Investment Infrastructure and

Social Sector 2017-2018
Power
14133.71 Cr
(34.12%)
Other infrastructure
21980.61 Cr
(53.08%)
Total Investments
` 41418.35 crore
Housing
5274.14 Cr
(12.73%)
Water supply , Sewerage
Schemes and Transport
29.89 cr (0.07%)
INVESTMENTS DURING THE YEAR IN LOANS/DEBENTURES/

EQUITY IN VARIOUS ENTITIES FOR INFRASTRUCTURE & SOCIAL PURPOSE
Table 7
Amount Advanced
Sector during 2017-18
(` in Crore)
1. Power 14133.71
2. Housing
(a) Loans to State Governments for Housing Schemes
(b) Loans to Apex Co-operative Housing Finance
Societies & others
(c) Debentures , Bonds etc. to Housing Finance Companies. 5274.14
3. Irrigation/ Water Supply /Sewerage Schemes 29.89
4. Road & bridges/SRTC 20553.41
5. Other Infrastucture 1427.20
TOTAL 41418.35
112
112
61 st Annual Report
State Wise Social Security Coverage AS AT MARCH 2018

Table No. 8
Name of the State NB Lives (Erstwhile Renewal Lives Total Coverage State wise Various SSS Claim
AABY+Converge Payment
SSGS SSS Renewal (Erstwhile
PMJJBY+Converge
AABY+Converged
AABY) No Amount
PMJJBY+Converged
AABY)
A&N ISLAND 0 0 0 0 0 0
ANDHRA PRADESH 20519149 0 5142103 25661252 71274 6493842500
ARUNACHAL PRADESH 0 0 0 0 339 10200000
ASSAM 82360 0 16475 98835 851 39000000
BIHAR 166745 0 0 166745 1340 41610000
CHANDIGARH 2642 0 1753 4395 1120 43998708
CHHATTISGARH 455303 2741208 1201697 4398208 7231 230042500
DADRA & N HAVELI 0 0 0 0 0 0
DAMAN &DIU 0 0 0 0 0 0
DELHI 2100444 0 1186 2101630 312 10320000
GOA 3406 0 0 3406 59 1860000
GUJARAT 24461 0 36167 60628 2741 90600000
HARYANA 1222 0 0 1222 83 2490000
HIMACHAL PRADESH 4698 0 93 4791 36 1410000
J&K 63985 0 171 64156 187 9480000
JHARKHAND 253518 0 156650 410168 229 7625000
KARNATAKA 1577118 0 4620620 6197738 6949 228155000
KERALA 1200798 0 54889 1255687 1022 35890000
LAKSHDWEEP 0 0 0 0 0 0
MADHYA PRADESH 212649 0 4572873 4785522 6447 231597000
MAHARASHTRA 14388 0 42603 56991 8305 262920000
MANIPUR 689 0 0 689 0 0
MEGHALAYA 1746 0 0 1746 0 0
MIZORAM 617 0 0 617 0 0
NAGALAND 0 0 0 0 3 90000
ORISSA 959282 0 1957528 2916810 2597 86680000
PUDUCHERRY 0 0 0 0 310 10455000
PUNJAB 14 0 24 38 33 1050000
RAJASTHAN 1678287 0 18650 1696937 5185 164200000
SIKKIM 48 0 0 48 3 90000
TAMIL NADU 326294 690 340430 667414 3310 118731000
TELANGANA 12992 0 4046 17038 29972 1450405000
TRIPURA 6800 0 0 6800 0 0
U.P 601418 0 0 601418 4446 151850000
UTTRANCHAL 1344 0 0 1344 631 20475000
WEST BENGAL 43600 0 39855 83455 587 20187000
TOTAL 30316017 2741898 18207813 51265728 155602 9765253708
113
61 st Annual Report
APPENDIX -1
MEMBERS OF THE CORPORATION DURING 2017-18
No. of Total
Field of Status of
Name & Designation Qualification Meetings sitting
Specialization directorship
attended fees paid
Shri V.K. Sharma
M.Sc. Insurance Chairman 6 NA
Chairman
Smt Usha Sangwan Masters in Economics, Managing
Insurance 6 NA
Managing Director PGDM in HR Management Director
Shri Hemant Bhargava Managing
M.A. (Economics) Insurance 6 NA
Managing Director Director
Shri B. Venugopal Managing NA
Managing Director B.Com Insurance Director 6
(from 11.04.2017)
Smt. Sunita Sharma Managing NA
Managing Director M.Sc.(Zoology) Insurance Director 6
(from 11.04.2017)
Shri Shaktikanta Das NA
Economics & Public
Secretary(DEA), MOF PG(History) Member 0
Administration
(till 31st May, 2017)
Shri Subhash Chandra Garg Economics & Public
B.Com, LL.B, CWA, CS Member 3 NA
Secretary(DEA), MOF (from 17.07.2017) Administration
Shri Girish Chandra Murmu BA(Hons), MA(Political Economics & Public Member
Addl. Secretary, Deptt. Of Science), MBA(Public Administration 6 NA
Revenue,MOF, GOI Service-International)
Shri Ashwani Kumar
M.Sc.(Chemistry), CAIIB Banking Member 4 40,000
Ex-CMD, Dena Bank
Smt. Alice G. Vaidyan PG (English), FIII Insurance Ex-officio
2 NA
CMD, GIC Re Member
Shri Bimalendu Chakrabarti Non-Official
B. Com. (Hons), ACA Insurance 3 60,000
(from 29.09.2017) Member
Shri Ravindra Nath Chaturvedi Finance & Non-Official 60,000
B.Com, FCA, DISA 3
(from 29.09.2017) Accounting Member
B.Com, DMS, CAIIB, Non-Official 60,000
Shri R. Chandrasekaran ICWA(I), Cert. in Computer Member
Insurance 3
(from 29.09.2017) Software, FIII, ACII(UK),
AIRM(UK)
During the year six Board meetings were held
*CURRENT MEMBERS OF THE CORPORATION
Name & Designation Qualification Field of Specialization Status of directorship
Shri V.K. Sharma, Chairman M.Sc. Insurance Chairman
Smt Usha Sangwan, Managing Director Masters in Economics, PGDM in Insurance Managing Director
HR Management
Shri Hemant Bhargava, Managing Director M.A. (Economics) Insurance Managing Director
Shri B Venugopal, Managing Director B.Com Insurance Managing Director
Smt Sunita Sharma, Managing Director M.Sc.(Zoology) Insurance Managing Director
Shri Subhash Chandra Garg Economics & Public
B.Com, LL.B, CWA, CS Member
Secretary, DEA, MOF Administration
Shri Girish Chandra Murmu BA(Hons), MA(Political Economics & Public Member
Special Secretary, Deptt. Of Revenue, MOF, Science), MBA(Public Service- Administration
GOI International)
Shri Ashwani Kumar M.Sc.(Chemistry), CAIIB Banking Member
Ex-CMD, Dena Bank
Smt. Alice G. Vaidyan PG (English), FIII Insurance Ex-officio Member
CMD, GIC Re
Shri Bimalendu Chakrabarti B. Com. (Hons), ACA Insurance Non-Official Member
Shri Ravindra Nath Chaturvedi B.Com, FCA, DISA Finance & Accounting Non-Official Member
B.Com, DMS, CAIIB, ICWA(I),
Shri R. Chandrasekaran Cert. in Computer Software, FIII, Insurance Non-Official Member
ACII(UK), AIRM(UK)
* As on 01.08.2018
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MEMBERS OF THE COMMITTEE DURING 2017-2018

MEMBERS OF THE EXECUTIVE COMMITTEE
Name & Designation No. of Meetings attended Sitting fees paid
Shri V.K. Sharma 06 NA
Smt. Usha Sangwan 06 NA
Shri Ashwani Kumar 06 10,000
Smt. Alice G. Vaidyan 04 NA
Shri Hemant Bhargava 05 NA
Shri B. Venugopal (Special Invitee from 08.05.2017) 04 NA
Smt. Sunita Sharma (Special Invitee from 08.05.2017) 04 NA
Six Executive Committee meetings were held during the year 2017-18
MEMBERS OF THE INVESTMENT COMMITTEE

Smt. Usha Sangwan 06 NA
Shri Girish Chandra Murmu 06 NA
Shri Hemant Bhargava (from 08.05.2017) 06 NA
Smt. Sunita Sharma (from 08.05.2017) 06 NA
Shri Dinesh Pant 06 NA
Shri B. Venugopal (Special Invitee from 08.05.2017) 06 NA
Six Investment Committee meetings were held during the year 2017-18
MEMBERS OF THE AUDIT COMMITTEE

Smt Usha Sangwan ( up to 08.05.2017) -- NA
Shri B. Venugopal (from 08.05.2017) 05 NA
Shri Ravindra Nath Chaturvedi (from 09.02.2018) 01 10,000
Five Audit Committee meetings were held during the year 2017-18
MEMBERS OF RISK MANAGEMENT COMMITTEE

Smt Usha Sangwan (up to 08.05.2017) -- NA
Shri B. Venugopal (from 08.05.2017) 04 NA
Shri Bimalendu Chakrabarti (from 09.02.2018) 01 10,000
Four Risk Management Committee meetings were held during the year 2017-18
MEMBERS OF THE POLICYHOLDERS’ PROTECTION COMMITTEE

Smt Usha Sangwan 04 NA
Shri Hemant Bhargava 04 NA
Shri R. Chandrasekaran (from 09.02.2018) 01 10,000
Four Policyholders’ Protection Committee meetings were held during the year 2017-18
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MEMBERS OF THE BUILDING ADVISORY COMMITTEE

Smt Usha Sangwan (from 09.02.2018) -- NA
Shri B. Venugopal (from 08.05.2017 to 09.02.2018) 01 NA
Smt. Sunita Sharma (from 08.05.2017 to 09.02.2018) 01 NA
Shri A.B. Vaidya 01 10,000
Dr. Sauvik Banerjee -- --
Shri Bimalendu Chakrabarti (from 09.02.2018) -- --
One Building Advisory Committee meeting was held during the year 2017-18
MEMBERS OF THE WITH-PROFIT COMMITTEE

Shri V.K. Sharma 01 --
Smt. Alice G. Vaidyan 01 --
Shri R. Chandrasekaran (from 09.02.2018) -- --
Shri N.M. Govardhan 01 10,000
Shri Dinesh Pant (from 08.05.2017) 01 --
One With-Profit Committee meeting was held during the year 2017-18
MEMBERS OF THE REMUNERATION COMMITTEE

Shri Girish Chandra Murmu 02 NA
Shri Ashwani Kumar 02 NA
Smt. Alice G. Vaidyan -- NA
Two Remuneration Committee meetings were held during the year 2017-18
MEMBERS OF THE REVIEW COMMITTEE ON WILFUL DEFAULTER

Shri V.K. Sharma -- NA
Shri Ashwani Kumar -- NA
No meeting was held during the year 2017-18
MEMBERS OF THE ELECTION OF SHAREHOLDER DIRECTOR COMMITTEE

Shri V.K. Sharma -- NA
Smt. Usha Sangwan (up to 08.05.2017) -- NA
Shri Hemant Bhargava (from 08.05.2017) -- NA
MEMBERS OF THE INFORMATION TECHNOLOGY STEERING COMMITTEE

Smt. Usha Sangwan -- NA
Shri Bimalendu Chakrabarti -- --
Shri Ravindra Nath Chaturvedi -- --
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SENIOR EXECUTIVES OF THE CORPORATION AS ON 31.03.2018

Shri Sharma V K Shri Nagnyal K S
Chairman ZM(I/C), ZO, Kolkata
Smt Sangwan Usha Shri Rao Vikas C
Managing Director ZM(I/C), ZO, Patna
Shri Bhargava Hemant Shri Sitharthan T
Managing Director Addl.Director, ZTC, Chennai
Shri Venugopal B Shri Das D
Managing Director Director, ZTC, Kolkata
Smt Sharma Sunita Shri Ramanarao S V
Managing Director ED(HINS), CO, Hyderabad
Shri Kandwal Rajesh Shri Sood R K
MD & CEO(LIC Intl. BSC(C)), Bahrain ED(E&OS), CO, Mumbai
Shri Sah V Shri Kumar Rakesh
MD&CEO(LIC HFL), CO, Mumbai Addl.Director, MDC, Mumbai
Shri Srivastava S Shri Banerjee D K
ED(Pers/Cc), CO, Mumbai ED(Engg), CO, Mumbai
Kum Dikhale S S Shri Singhal K K
ED(Mktg/Pdev), CO, Mumbai Director, ZTC, Pune
Shri Ganesh K Shri Datta R C
ED(CRM), CO, Mumbai ED(CP/NPRJ), CO, Mumbai
Shri Kumar M R Shri Chawla G S
ZM(I/C), ZO, Delhi ED(It/Sdc), CO, Mumbai
Shri Anand Vipin Smt Ratnam Nalini M
ZM(I/C), ZO, Mumbai ED(NB&RI), CO, Mumbai
Shri Agarwal Niraj Shri Pangtey Dinesh K
ED(Audit), CO, Mumbai ED(LIC HFL AMC Ltd), CO, Mumbai
Shri Chawla N P Shri Mohanty D P
ZM(I/C), ZO, Kanpur ED(It/Bpr), CO, Mumbai
Shri Sathya Kumar V Shri Singh S C
Chief Exec.(LIC HFL Care Home), CO, Mumbai ED(BD/S/GJF), CO, Mumbai
Shri Sudarsan R Shri Jain P K
ED(Insp), CO, Mumbai ED(INVM), CO, Mumbai
Shri Suseel Kumar T C Shri Molri P K
ZM(I/C), ZO, Hyderabad ED(Invo/F&A), CO, Mumbai
Shri Gupta Mukesh Kumar Shri Kumar Rakesh
ZM(I/C), ZO, Bhopal ED(Mbac), CO, Mumbai
Shri Raj Kumar Shri Nair Rajivan K
CEO(LIC AMC Ltd), CO, Mumbai ED(CLIA/MINS), CO, Mumbai
Shri Shashikumar H S Smt Jain Renu
Director, MDC, Mumbai Director, ZTC, Jamshedpur
Shri Thamodharan R Smt Jayshree A S
ZM(I/C), ZO, Chennai Director, ZTC, Bhopal
Kum Sahdev Kiran Shri Rajasekhar S
ED(HRD/OD), CO, Mumbai Director, ZTC, Hyderabad
Shri Chaudhary Ravi Shri Sinha N P
C.v.o, Gic Re., Mumbai Director, ZTC, Gurgaon
Shri Nallakuttalam S Shri Mendiratta T R
Director, ZTC, Chennai ED(P&GS), CO, Mumbai
Shri Venugopal P Shri Verma M M L
Secy.Gen.(III), CO, Mumbai Secy.Genl.(ECOI), CO, Mumbai
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Shri Mohanty S Shri Rao Sridhara P

ED(Legal), CO, Mumbai Chief(INVM), CO, Mumbai
Smt Ipe Mini Shri Mukherjee A
Chief Exec.(LIC HFL FSL), CO, Mumbai Director(COI), CO, Mumbai
Shri Das S K Shri Verma Sanjay
Chief(INVR), CO, Mumbai RM(CRM), ZO, Delhi
Shri Saxena V K Kum Seth Ena
CE(Engg), ZO, Delhi RM(CRM), ZO, Bhopal
Shri Anil Kumar J Shri Som D
RM(E&OS), ZO, Chennai RM(OS), ZO, Kolkata
Shri Jeyamohan Masil P Shri Das Karuna Kanto
RM(P&IR), ZO, Chennai Chief(Insp), CO, Mumbai
Shri Upadhyay Raj Smt Vinodakumari P
CE(Engg), ZO, Chennai RM(P&IR), ZO, Hyderabad
Smt Renuka S Shri Behera S
Chief(CRM), CO, Mumbai Chief(SBA), CO, Mumbai
Shri Sangam P K Shri Sen Jyotikumar
CE(Engg), ZO, Hyderabad Vice Principal, ZTC, Hyderabad
Shri Gupta Anil Shri Elango S
Chief(I/C)(DMKT), CO, Mumbai Ce(Engg), CO, Mumbai
Shri Patnaik BC Smt Garg Sarita
RM(Mktg), ZO, Mumbai Chief(IT/BPR), CO, Mumbai
Shri Anoop Kumar Shri Paul D S
RM(Mktg), ZO, Patna CE(Engg), CO, Mumbai
Shri Joshi D N Shri Swaminathan K
Chief(Mktg), CO, Mumbai RM(P&IR), ZO, Kanpur
Shri Reddy K S Smt Kher P
RM(Mktg), ZO, Mumbai Chief(ER-D), CO, Mumbai
Kum Koul Naveen Shri Nadkarni S S
Chief(RTI/CPIO), CO, Mumbai Chief(OS), CO, Mumbai
Shri Kadiresan K Shri Roy P B
Chief(INVO), CO, Mumbai RM(Est.), ZO, Kolkata
Shri Bhagat Dinesh K Shri Anand A K
RM(P&IR), ZO, Delhi Chief(INVO), CO, Mumbai
Shri Kumar Mahendra Shri Venkateswaran S
RM(Mktg), ZO, Delhi RM(CRM), ZO, Hyderabad
Shri Parkash Chand Shri Nanda H
Chief Exec.(LIC CSL), CO, Delhi Chief(IT/SDC), CO, Mumbai
Shri Swargiary A Shri Ajith Kumar L
RM(P&GS), ZO, Mumbai RM(CRM), ZO, Mumbai
Shri Mishra P K Shri Kher S P
CE(Engg), ZO, Kolkata Chief(INVM), CO, Mumbai
Smt Chandra Nirupma Shri Rastogi Sanjay
RM(OS), ZO, Delhi RM(E&OS), ZO, Kanpur
Smt Saha Chakraverti Arpita Shri Kumar Rajendra
RM(CRM), ZO, Kolkata CE(Engg), ZO, Bhopal
Shri Kumar Praveen Shri Muraleedharan P
Chief(NB&RI), CO, Mumbai RM(Mktg), ZO, Chennai
Shri Mokashi S N Smt Kuppayee R
RM(Est.), ZO, Mumbai CE(Engg), ZO, Mumbai
Smt Panwar Priti Smt Ghosh Pompa
CEO.(LIC PENF), CO, Mumbai RM(EST.), ZO, Delhi
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Shri Balagopal V Shri Suman R K

FM, NIA, Pune CE(Engg), ZO, Patna
Smt Verma Vidhu Shri Singh Balwant
RM(P&IR), ZO, Mumbai Vice Principal, ZTC, Bhopal
Shri Mishra B S Shri Mittal N K
RM(Mktg), ZO, Bhopal Chief(F&A), CO, Mumbai
Shri Gupta Rajiv Shri Mallick Pravat Kumar
Chief(IT/SDC), CO, Mumbai CE(Engg), ZO, Kanpur
Shri Shankara Raju P R Shri Dixit Sanjay
RM(CRM), ZO, Chennai RM(LIC HFL), RO, Patna
Shri Palaniswamy R Shri Samal P
Chief(CRM), CO, Mumbai Genl. Manager(LIC HFL), CO, Mumbai
Shri Kureel Vinod Shri Lahiri A
RM(CRM), ZO, Kanpur RM(P&IR), ZO, Patna
Shri Rajaraman R J Shri Grover A
RM(P&IR), ZO, Bhopal Genl. Manager(LIC HFL AMC), CO, Mumbai
Shri Azeezuddin Md Shri Thakur S K
RM(Mktg), ZO, Bangalore Genl. Manager(LIC HFL), CO, Mumbai
Smt Babu K C Shri Dubey R K
Chief(EST.), CO, Mumbai Chief(ULIP), CO, Mumbai
Shri Nagesh S Shri Singh R P
Vice Principal, ZTC, Pune Chief(P&GS), CO, Mumbai
Shri Singh Yogendra Shri Gupta R P
RM(Mktg), ZO, Kanpur RM(E&OS), ZO, Patna
Smt Rama Rao Savithri Shri Sen J
RM(E&OS), ZO, Hyderabad MD & CEO(FGN), Sri Lanka
Smt Soman S S Shri Paul S
Chief(INVO), CO, Mumbai RM(LIC HFL), RO, Bhopal
Shri Meena K R Shri Shamsunder L K
LIC RO RM (HFL) Delhi FM, NIA, Pune
Shri Nagaraja Rao P V S Shri Unhelkar B K
Chief(P&GS), CO, Mumbai O.S.D, CO, Mumbai
Shri Sharma A K Shri Dwivedi P
RM(Mktg), ZO, Kolkata Genl. Manager(LIC PENF), CO, Mumbai
Shri Jain S M Kum Gauba Harleen
Chief(F&A), CO, Mumbai RM(P&IR), ZO, Kolkata
Shri Singh Ratikanta Shri Kemmu M K
Vice Principal, ZTC, Kolkata RM(P&GS), ZO, Kolkata
Kum Angayar Kanni M Shri Arandhara Tapan
FM, ZTC, Chennai RM(P&GS), ZO, Delhi
Smt Padmavati Y V Shri Gowd Viswanatha Y
Chief(SBUIO), CO, Mumbai RM(LIC HFL), RO, Hyderabad
Shri Dasgupta P Shri Wanwar G S
RM(Mktg), ZO, Hyderabad Chief(PERS), CO, Mumbai
Shri Srivastava A Shri Kumar Kamal
RM(E&OS), ZO, Bhopal RM(CRM), ZO, Patna
Shri Prabhakara Rao N
RM(LIC HFL), RO, Kolkata
Appointed Actuary
Shri. Dinesh Pant.
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MEMBERS OF ZONAL ADVISORY BOARD (AS ON 31.03.2018)

Central Zone Northern Zone
Shri V K Sharma, Chairman Shri V K Sharma, Chairman
Shri Ashish Jain Ms Manjeet Kaur Bansal
Shri S K Tiwari Ms Raj Rani
Smt Mary Jacinta Barwa Dr Nazir Ahmad Gilkar
Shri Brijesh Goyal Shri Rajiv Khosla
Shri Brajesh Kanungo Shri Jitender Sirkeck
Smt Vaishali Maheshwari Dr Rajnish Saxena
Shri Pankaj Maheshwari Shri Y P Sharma
Dr Satish Harne Dr Narsinngh Binnani
Shri Singhal Sanjay Jain Shri Rajesh Katyal
Shri Kamlesh Kumar Agrawal Shri Sunil Dutt Vyas
Shri Mukesh Kumar Gupta, Zonal Manager, Shri M R Kumar, Zonal Manager, Ex-Officio Member
Ex-Officio Member
South Central Zone
Eastern Zone
Shri V K Sharma, Chairman
Shri H S Lingesh
Shri Sandip Fogla
Dr S M Khened
Dr Mainak Mukherjee
Shri S Anantha
Smt Rakhi Mukherjee
Ms Usha Prabha Nayak
Smt Mamta Arora
Shri K Sivarama Kumar
Shri Santosh Kumar Biswas
Shri S Thiagarajan
Shri Parthasarathi Chowdhury
Shri R Rajagopalan
Shri Vikash Tuwani
Shri D R Prasada Raju
Dr Harmohan Das
Dr D Raghuraman
Shri Indreswar Deka
Shri K G Jairam
Dr Sankar Prasad Bhattacharya
Shri T C Suseel Kumar, Zonal Manager, Ex-Officio Member
Shri K S Nagnyal, Zonal Manager, Ex-Officio Member
Southern Zone
East Central Zone
Shri Dilip Narayanan
Dr Deepak Kindo
Shri K Venkatachalam
Smt Meera Dubey
Ms Shobha Iyer
Prof(Dr) Surendra Nath Behara
Smt Punitha Ganesan
Shri Gouri Pd Purbey
Prof K Subramoniam
Shri Imtiaz Ahmad
Shri A K Narayan
Shri Rama Narayan Mohanty
Shri K Lakshmana Kumar
Shri Brahma Bihari Panda
Shri James Paul Valappila
Dr Praveen Chandra
Rtn PP AKS Jawarilal Jain
Dr Ajay Kumar Singh
Dr Jayakumari Isac
Shri Arvind Kumar Rungta
Shri R Thamodharan, Zonal Manager, Ex-Officio Member
Shri C Vikas Rao, Zonal Manager, Ex-Officio Member
Western Zone
North Central zone
Prof Shirsat Bharat Suryabhan
Smt Poornima Jain
Shri Bharat B Patel
Prof M I Haque
Shri Hitesh Bhalchandra Raval
Shri Akhil Rastogi
Dr Roshankumar M Bhigania
AIR CMDE Amul Kapoor
Prof Girish Bhimani
Dr Ashutosh Kumar Dixit
Dr (Smt.) Kirtee P Kulkarni
Shri T S Brijwal
Shri Ananda V Sankpal
Dr S R Musanna
Shri Bipinbhai M Shah
Shri Pankaj Rastogi
Dr Vishwas B Gangurde
Dr Ashok Pratap Singh
Smt Chitra P Kshirsagar
Ms Sunita Tihari
Shri Vipin Anand, Zonal Manager, Ex-Officio Member
Shri N P Chawla, Zonal Manager, Ex-Officio Member
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MEMBERS OF THE POLICYHOLDERS’ COUNCIL

DURING THE YEAR 2017-2018
CENTRAL ZONE SATNA DIVISION HOWRAH DIVISION KOLKATA SURBURBAN
BHOPAL DIVISION Mr. N.S. Rawat, SDM Mr. D.K. Mondal, SDM DIVISION
Mr. S S Chaplot, SDM Mr. Anant Kumar Soni Mr. Rabindranath Mistri Mr. T. Banerjee,SDM
Dr. Sanjeev Johari Mrs. Salome Chowfin Ms. Sharmila Agarwal Dr.(Ms.) Anita Biswas
Mr. Aditya Raj Modi Mr. Pradeep Tamrakar Mr. Praveen Bothra Mr. Narayan Chandra Saha
Mr. Rajendra Prasad Tripathi Mr. S L Prajapati Dr. Anirban Dutta Mr. Jayanta Mukhopadhyay
Ms. Megha Agarwal Mrs. Rachna Shrivastava Mr. Partha Das Dr. Susruta Bandyopadhyay
Mr. Harshwardhan Gajbhiye Dr. Subhash Roy
SHAHDOL DIVISION JALPAIGURI DIVISION
BILASPUR DIVISION Mr. Ashutosh Misra, SDM Mr. Siba Prasad Patnaik, SDM SILCHAR DIVISION
Mr. S B Mishra, SDM Mr. Rajnish Katare Mr. Prosenjit Mitra Mr. N Bose, SDM
Mr. Pawan Kumar Agrawal Mr. Umesh Ku Gupta Dr. Sukhamay Gangopadhyay Mrs. Aparna Baidya
Mrs. Uma Rao Mr. Dipesh Tiwari Mr. Subrata Paul Dr. Krishna Bhajan Adhikari
Dr. Rajiv Kshetrapal Mr. Umashankar Kol Mrs. Manami Mandal Mr. Arindam Bhattacharya
Mr. Kishore Kumar Patel Ms. Megha Pawar Mr. Jyotirmoy Jhampati Mr. Swapan Paul
Mrs Laxmin Tondey Mr. Biswajit Chowdhury
EASTERN ZONE JORHAT DIVISION
EAST CENTRAL ZONE
GWALIOR DIVISION ASANSOL DIVISION Mr. N. Bhutia, SDM
Mr. G.K. Jena, SDM Mr. Chand Gaurab, SDM Ms. Binapani Goswami BEGUSARAI DIVISION
Mr. Anand Mohan Chhaparwal Mrs. Banani Talukdar Mr. Someswar Barthi Mr. Akshay Kumar Sahoo, SDM
Mr. Ramesh Rajpoot Mr. Munnu Singh Mr. Nabin Chandra Dutta Mr. Shiv Prakash Bhardwaj
Ms. Sheebi Rastogi Mr. Manindra Monhan Mazumdar Mr. Bipin Dola Mr. Manoj Kumar Sharma
Dr. Narayan Singh Kushwaha Mr. Aloke Jana Mr. Pranob Bharali Ms. Prachi
Mr. M.C. Bandil Mr. Subrata Sengupta Mr. Rakesh Kumar
KHARAGPUR DIVISION
Mr. Ranjeet Kumar
INDORE DIVISION BARDHAMAN DIVISION Mr. A Sengupta, SDM
Mr. Rajat Mukherjee, SDM. Mr. P K Mohanty, SDM Mrs. Apala Banerjee BERHAMPUR DIVISION
Mr. Rakesh Sharma Mr. Balaram Saha Mr. Tirth Sankar Hansda Mr. D K Nayak, SDM
Mr. Ishwar Sharma Ms. Neha Agarwal Mr. Kuntal Kumar Dutta Mr. Basanta Kumar Sahu
Mr. Manish Kumar Sankhala Mr. Pradip Aich Dr. Susmit Patra Mr. Manoj Kumar Agrawal
Dr. Rajendra Verma Dr. Susanta Kumar Das Mr. Subimal Basak Mr. Ranjit Padhi
Ms. Archana Dekhane Mr. Ashok Kumar Mondal Mrs. T. Chiranjeevi
KOLKATA METRO DIVISION I
Mr. Rama Chandra Nayak
JABALPUR DIVISION BONGAIGAON DIVISION Mr. G Bandyopadhyay, SDM
Mr. K R Balasubramaniyan, SDM. Mr. T K Lakra, DM(I/C) Mr. Surajit Malakar BHAGALPUR DIVISION
Dr. Sumit Pasi Mr. Kanu Lal Das Mr. Basudeb Shaw Mr. S S Ahmed, SDM
Dr.(Ms) Preeti Rekha Chandra Mrs. Mondal Das Mrs. Monidipa Biswas Mr. Kamran Khan
Mr. Atindra Saha Mr. Abdul Karim Mr. Awanti Kumar Mr. Dinesh Paswan
Mr. Pravesh Verma Mrs. Sujata Pasayat Mr. Sandeep Fogla Ms. Rani Kumari
Mr. Anjana Kuraria Dr. Vikash Tuwani Mr. Arvind Jha
KOLKATA METRO DIVISION II
Mr. Kamal Kumar Sinha
RAIPUR DIVISION GUWAHATI DIVISION Mr. K K Ghoshal, SDM
Mr. Prakash Sinha, SDM Mr. Bijay Kumar Panda, SDM Mr. Birendra Shaw BHUBANESHWAR DIVISION
Mr. Manish Raj Singhaniya Mr. Pankaj Sarma Ms. Sumita Das Ghosh Mr. L.P. Das, SDM
Mr. Suresh Gandhi Mrs. Chandana Das Mr. Bhaskar Chowdhury Mr. Akshaya Kumar Pradhan
Mr. Amit Chourasia Mr .S.K. Jain Dr. Ujjwal Mukherjee Mr. Jitendra Kumar Mishra
Dr.(Smt.)Megha Bhagvat Mrs. Mitali Baishya Mr. Prasanta Mukherjee Mr. Prashanta Kumar Patnaik
Mrs. Esthar Tigga Mr. Siba Prasad Deka Ms. Soubhagini Nayak
Ms. Sanjulata Ho
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CUTTACK DIVISION SAMBALPUR DIVISION JAIPUR DIVISION II DELHI DIVISION II

Mr. S P Parichha, SDM Mr. M K Panda, SDM Mr. Harish Chandra, SDM Mr. Rajesh Kumar, SDM
Mr. Santosh Kumar Monhanty Mr. Dibakar Podha Ms. Basant Bahar Mr. Ashutosh Mittal
Mr. Tushar Mallick Dr. Narendra Kumar Behera Dr. Sheenu Jain Ms Neerja Roy Chowdhury
Ms. Nirmala Patra Dr. Sanjib Kumar Behera Mr. Mahesh Singhal Mr. Arun Gupta
Mr. Ranjan Bihari Ray Dr. Sucheta Rani Mohapatra Mr. Praveen Kumar Gupta Mr. Hem Chand Vasishtha
Mr. Bijay Kumar Dhal Mr. Dolamani Kandher Mr. Bhagwan Sahay Kamthan Dr. Rajesh K. Ranjan
HAZARIBAGH DIVISION NORTHERN ZONE JALANDHAR DIVISION DELHI DIVISION III

Mr. S K Samantaray, SDM AJMER DIVISION Mr. G Lal, SDM Mr. N Chaudhary, SDM
Dr. Sunita Sahay Mr. B K Singh, SDM Mr. Avnip Deora Mr. Chandra Bhanu Mishra
Mr. Janardan Paswan Mr. Anurag Loiwal Mr. Mahesh Gupta Ms. Mala Garg
Mr. Umesh Prasad Mr. Sanjeev Gupta Ms. Swaran Kumari Mr. Jagat Kumar
Dr. Sajal Mukherjee Dr. Mukesh Punjabi Mr. Satveer S. Khurana Dr. (Mrs) Sumita Rai
Mr. Alok Agarwal Mr. Bhanwer Lal Ms. Amrita Sharma Mr. Satinder Pal Panwar
Ms. Madhu Kothari
JAMSHEDPUR DIVISION JODHPUR DIVISION ROHTAK DIVISION
Mr. M. M. Ansari, SDM AMRITSAR DIVISION Mr. A Razdan, SDM Mr. J S Nijjar, SDM
Mr. Tarun Kumar Bhattacharjee Mr. S Julka, SDM Mr. Rajendra Mishra Mr. Naresh Kumar Mehta
Dr. Ruma Chatterjee Mr. Gautam Puri Mr. Rakesh Bhandari Dr. Gur Partap Singh Maan
Mr. Sarwan Das Mr. Manoj Kumar Sarin Mr. Mukul Maheshwari Ms. Banto Devi
Mrs. Asiani Marki Mr. Jaswant Singh Ms. Asha Sharma Mr. Rishi Raj Rose
Mr. Jayant Kumar Mohanty Dr. Ritu Bhatti Mr. Kanhiya Lal Chauhan Mr. Vijay Sharma
Mr. Divyesh Mahajan
MUZAFFARPUR DIVISION KARNAL DIVISION SHIMLA DIVISION
BIKANER DIVISION
Mr. Permendra Hari, SDM Mr J Kumar, SDM Mr. V K Dhar, SDM
Mr. S M Mishra, SDM
Mr. Bhawani Charan Tetarwe Mr. Sandeep Kumar Bharti Mr. Sunil Nagpal
Dr. (Ms) Jaya Nag
Mr. Rajeev Ranjan Mr. Manoj Gupta Ms. Brindula Karol
Mr. Jaswant Singh Dhingra
Mr. Firoz Khan Dr. Parshant Munjal Dr. Vishal Kumar
Mr. Om Prakash Khhichar
Ms. Ranjeeta Srivastava Mr. Akshay Tyagi Mr. Diwan Singh
Mr. Kanhaya Lal Songara
Mr. Devendra Kumar Ms. Versha Mr. Kamlender Kumar
Mr. Vikas Kumar Bhaleriwala
PATNA DIVISION I LUDHIANA DIVISION SRINAGAR DIVISION
CHANDIGARH DIVISION
Mr. P K Sethi, SDM Mr. L C Pipil, SDM Mr. T S Bali, SDM
Mr. S K Srivastava, SDM
Ms. Savita Singh Ms. Hardeep Kaur Mr. Gopal Krishan Mahajan
Mr. Akshay Jain
Mr. Anil Kumar Mr. Vandan Goyal Ms. Firdousa Khan
Mr. Sanjeev Bhatia
Mr. Niraj Kumar Pappu Mr. Rakesh Sharma Mr. Nitin Aggarwal
Ms. Sonia Arora
Ms. Azra Requib Mr. Chander Mohan Mr. Najmu Sakib
Dr. Ajitpal Singh Chhabra
Mr. Ganga Sharan Mr. Malkit Singh Mr. Joginder Paul
Dr. Parminder Singh
PATNA DIVISION II DELHI DIVISION I UDAIPUR DIVISION
JAIPUR DIVISION I
Mr. Piyush, SDM Mr. A K Upadhyay, SDM Mr. Sanjay Bhargava, SDM
Mr. R D Daniya, SDM
Mr. Sunil Kumar Dwivedi Mr. Ajay Singh Tomar Dr.(Mrs) Aanchal Pandya
Mr. Amit Agrawal
Mr. Dinesh Kumar Deo Mr. Dharam Pal Tyagi Mr. Wahid Noor Quereshi
Dr. Ram Lal Poonia
Mr. Amit Kumar Jha Mr. Shivesh Kundan Mr. Rajiv Murdia
Dr. (Mrs.) Manisha Patni
Ms. Punam Kumari Ms. Subhasini Singh Mr. Gajendra Prakash Suyal
Mr. Ashok Jain
Ms. Seema Pandey Ms. Tanuja Sharam Mr. Rakesh Jhanwar
Mr. Hari Ram Sogan
122
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61 st Annual Report
NORTH CENTRAL ZONE GORAKHPUR DIVISION SOURTHERN ZONE MADURAI DIVISION

AGRA DIVISION Mr. D M Mital, SDM CHENNAI DIVISION – I Mr P J Nicholson, SDM.
Mr. Shiv Kumar Pandey, SDM Mr. Udai Chand Mr A Soosai Manickam, SDM Mr. R. Kirubakaran
Ms CA Deepika Mittal Mr. Anil Kumar Singh Mr. A. Srinivasa Subbiah Dr. R. Chandramohan
Mr. Mukesh Kumar Gupta Mr. Sandeep Kumar Jaiswal Dr. M. Durairaaj Mr. P. Vijaya Kumar
Mr. Kishan Singh Parmar Mrs. Veena Chaudhary Mr. R. Mathialagan Mr. M. Murugesan
Mr. Arun Kumar Mr. Pradeep Chand Dr. K.S. Gowrishankar Dr. Rasika
Mr. Mahesh Chand Agarwal Dr. Maneemegala Maadhavan
HALDWANI DIVISION SALEM DIVISION
ALIGARH DIVISION Mr. P S Negi, SDM CHENNAI DIVISION – II Mr. L Chendurnathan, SDM
Mr. Arun Pal, SDM Mr. Bhupendra Singh Pangtey Mr. P T Raveendran, SDM Mr. V. Seshadri
Mr. Arun Kumar Singh Dr. Atul Rajpal Ms. Bhavadhaarini Anantaraman Ms. K. Kavitha
Dr. Neeta Mrs. Deepa Goswami Dr. Poongulali Mr. R. Senthilkumar
Dr. Virendra Kumar Mr. Govind Verma Mr. S. Vijayakumar Mr. G. Salvakumar
Mr. Ranveer Singh Mr. Deepak Kumar Agarwal Mr. Arun Krishnamurthy Mr. P. Mageshkumar
Mr. Shiv Kumar Sharma Ms. M. Sakthi Priya
KANPUR DIVISION THANJAVUR DIVISION
ALLAHABAD DIVISION Mr. Ashwani Ghai, SDM COIMBATORE DIVISION Mr. A S Sunder Raj, SDM
Mr. Vivek Sharma, SDM Mrs. Krishna Katheria Mr Fazlul A Rehman, SDM Ms. S. Revathy
Mr. Pushpendra Singh Mr. Pawan Kumar Jain Dr. D. Viswanathan Mr. S. Asif Ali
Dr. Liticia Hermit Mr. Swandeep Singh Ms. P. Nagalakshmi Dr. D. Santhanalakshmi
Mr. Rajesh Kumar Rai Mr. Vishal Gupta Ms. M. Jeeva Dr. I. Shanmugasundram
Dr. Anup Kumar Mr. Jaswant Singh Mr. N. Ranganathan Mr. K.S. Senthilkumar
Mr. Priyavart Mishra Mr. K. Paramasivan
LUCKNOW DIVISION THIRUVANANTHAPURAM DIVISION
BAREILLY DIVISION ERNAKULAM DIVISION
Mr. Prashant Dixit, SDM Mrs. Santha Varkey, SDM
Mr. S C Joshi, SDM Mr P Radhakrishnan, SDM
Mrs. Reeta Rawat Dr. S. Hemachandran Mayooram
Dr. Ravindra Bajaj Mrs. Beena Beegom V.K.
Dr. V.B. Singh Mr. V.S. Benedict Anugraha
Dr. Shobha Mukharjee Mr. A. V. Jose
Mr. Ghan Shyam Gupta Dr. Reena
Dr. Satish Kumar Dr.(Mrs.) Saroja A.S.
Mrs. Safiya Usmani Mr. K. Suresh
Mr. Vivek Nath Agarwal Dr. Seby Varghese
Mr. Sachin Shukla Mr. Visweswaran G
Mr. Jitendra Kumar Mr Pradeepkumar N.
MEERUT DIVISION THRISSUR DIVISION
DEHRADUN DIVISION KOTTAYAM DIVISION
Mr. V R Shukla, SDM Mrs. Deepa Sivadasan, SDM
Mr. P K Saxena, SDM Mr Uthup Joseph, SDM
Dr. Subhash Singh Mr. N.I. Verghese
Mr. Lalan Kumar Singh Prof. Jacob Kurian Onattu
Mr. Rajeev Kumar Dr. Sreeja
Mr. Dinesh Chandra Semwal Mr. P.K. Vinodkumar
Mrs. Seema Singhal Ms. A. R. Shanthi
Mrs. Seema Rani Mr. Manoj Narayanan K.S.
Mr. Anupam Kr. Gupta Mr. K. Pramodkumar
Mr. Harpalk Singh Dr. Bhanu Ashok
Mr. Jagbir Singh Dr. V.M. Gopala Menon
Mr. Narendra Singh Panwer Mr. Manu Sreedharan
VARANASI DIVISION TIRUNELVELI DIVISION
FAIZABAD DIVISION KOZHIKODE DIVISION
Mr. S G P Tripathi, SDM Mr. K Vasant Kumar, SDM
Mr. Rajvir Singh, SDM Mrs. Bella Paul, SDM
Dr. Kanchan Singh Mr. M Gopi
Mr. Vishwa Prakash Adv. Arun Bose D
Mrs. Shail Singh Mr. A Jaisingh
Mrs. Anjali Tewari Ms. Uthara Ramakrishnan.
Mr. Anand Prakash Singh Dr. S. Rajan
Mr. Lallan Prasad Ambesh Dr. V. K. Sivadas
Mr. Satish Kr. Singh Dr. (Mrs.) S. Margaret Ranjitham
Mr. Nath Singh Mr. K. Radhakrishnan
Dr. Vinod Kumar Mr. S. Siva Surya Narayanan
Mr. Pradeep Kumar Sahu Mr. A.P. Vinod Kumar Soubhagya
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61 st Annual Report
VELLORE DIVISION KADAPA DIVISION RAICHUR DIVISION WESTERN ZONE

Mr. N Ramakrishnan, SDM Mr. Ravi Kumar, SDM Mr T Raghuchandra, SDM
AHMEDABAD DIVISION
Mr. Verghese Mathai Mr. V. Thirupathi Naidu Dr. Baswaraj Pujar
Mr. P R Choudhari, SDM
Ms. R. Malathy Mr. A.Kiran Kumar Dr. K. Revanasiddappa
Dr. Kunal Gautham
Mr. R. Muthukrishnan Dr. Hayagreeva Charyulu Ms. Shahikala Jahagirdar
Mr. Jimil B Shah
Mr. J. Aravind Dr. G.Venkata Subbaiah Mr. Basavaraj R Palled
Mr. Hareshbhai C Dave
Dr. A. Kabilan Dr. A. Sreelatha Dr. Mohammed Majid Ansari
Dr. Bharatbhai Patel
SOUTH CENTRAL ZONE KARIMNAGAR DIVISION SECUNDERABAD DIVISION Mr. Sandipbhai Modi
BANGALORE DIVISION-I Mr. Y Ventateshwarlu, SDM Mr G Babu Rao, SDM
AMRAVATI DIVISION
Mr. Ashis Kumar, SDM Mr. Vootukuri Ravinder Reddy Mr. K. Raja Sekhar Reddy
Mr M J Godbole, SDM
Mr. Y.S. Siddaraju Dr. Akula Sailaja Mr. Doddi Ashok
Mr. Pyarelal H Bhagwat
Dr. D.N. Shivappa Mr. K. Nagesham Ms. Nischala Siddha Reddy
Mr. Mahendra Chandak
Mr. Anilkumar Muniswamy Mr. Mukka Harish Babu Mr. Bhukya Saidulu
Ms. Mrudula S Patil
Mr. Jyoti Ganesh Mr. M. Kachrulal Mr. Venugopal
Dr. Uday Vinayakrao Navlekar
Dr. (Mrs.) V. Anuradha
MASULIPATNAM DIVISION SHIMOGA DIVISION Mr. Girish Jaising Khatri
BANGLORE DIVISION II Mr C Balaiah Chowdary, SDM Mr. G A Ramakrishna, SDM
AURANGABAD DIVISION
Mr. J Jagadish, SDM Mr. N.V. Durga Rao Prof. Dr. G.R. Jagadeesh
Mr R K Naik, SDM
Mr. R.R. Acharya Mrs. Padmavati Vayuvegula Mr. M.G. Krishnamurthy
Dr.(Mrs.) Himgauri A. Shahapurkar
Mr. R. Arunachalam Mr. V.B. Ratnam Mr. Umesh Shetty
Mr. Chandrashekhar P. Shengaonkar
Ms. Elizabeth Joseph Mr. M.P. Naga Satish Dr (Ms.) Veena Bhat
Dr. Rajabhau Anandrao Kamble
Mr. G.V. Manjunatha Mr. P.J. Kutumba Rao Mr. Shivabasappa
Dr. Nilkanth Shankarrao Patil
Mr. Rakesh
MYSORE DIVISION UDUPI DIVISION Mrs. Sangita Nilkanth Jadhav
BELGAUM DIVISION. Mr. K Anantha Padmanabha, SDM Mr. P Vishveshwar Rau, SDM
BHAVNAGAR DIVISION
Mr. D K Sreenivas, SDM Ms. Anupama R Mrs. Madhavi S. Bhandari
Mr. K.P. Ramakrishan, SDM
Mr. Basavaraj M. Kalburgi Dr. Pradeep Kumar Hebri Mr. Manjunath N. S.
Mr. Sandip M Mehta
Dr. H.S. Melinamani Mr. Keshava Dongre Dr. H.A. Visweswara
Mr. Hemubhai G Gedia
Mrs. Vineeta P. Gejji Dr. K.A. Mohan Mr. K.R. Keshava
Mr. Veresh Mehta
Mr. Manoj Kumar M. Nagarkatte Mr. D.K. Srinivasa Mr. S. Padmanabha Kediaya
Mr. Ramdevsinh Gohil
Mr. Mushtaqahmed I Mulla
NELLORE DIVISION VISAKHAPATNAM DIVISION Mrs Matangi P Pandya
DHARWAD DIVISION Mr Sundara Rajan Jagannath, SDM Mr P Ramesh Babu, SDM GANDHINAGAR DIVISION
Mr. H K Ravi Kiran, SDM Dr. S. Devasena Mr. Kavvuri Srinivasa Reddy Mr. Sanoj Kumar, SDM
Mrs. Parvati Rangaswamy Mr. V. Bhagyateja Reddy Mr. Naidu Sandeep Reddy Mr. Shamjibhai P Gor
Mr. Manappa Shivappa Lamani Mr. G. Sanath Kumar Reddy Mr. Jami Ramesh Kumar Mr. Jiten D Patel
Dr. Mohammed Iqbal A Shaikh Mr. V. Krishna Subhan Mr. Kongarapu Ganapathi Dr. Vivek Bhave
Mr. Prakash S. Udikeri Ms. B. Sujatha Ms. Karimi Anupama Dr.(Ms) Jyoti Sadhu
Dr. Shakapur Chaudappa
RAJAHMUNDRY DIVISION
WARANGAL DIVISION Mr. Karmadevsinh Vaghela
HYDERADAD DIVISION Mr. Tapan Kumar Pattanaik, SDM
Mr. A K Rautray, SDM GOA DIVISION
Mr. R Chander, SDM Ms. K.Saral Jyothsna
Mr. T. Gopichand Mr Barun Kumar Khan, SDM
Mr. M. Satya Reddy Mr. Kareem Khan
Mr. Gadde Narsaiah Mr. Gaurish Manohar Dhond
Mr. Sriram Gangadhar Mr. Manepali Venkate Bhaskara
Dr. M Anitha Dr. Govind Kamat
Mrs. Manjusha Ghotikar Sesha Saibaba
Mr. B. Prasada Rao Mr. Govind Ranade
Mr. Harsha Kumar Ms G.L. Vasantha Kumari
Ms. M. Padmavathi Mrs. Manjiri Milind Barve
Dr. Kamal Kishore Bazaz Dr. K.S. Rajasekhar
Mr. Gopaldas A. Arlekar
124
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61 st Annual Report
KOLHAPUR DIVISION MUMBAI DIVISION – IV NANDED DIVISION RAJKOT DIVISION

Mr. S Ghodgaonkar, SDM Mrs. Meeta Khare, SDM Mr. J G Lamture, SDM Mr. G P Agarwal, SDM
Dr. Bimal A Vasani
Mr. Vinay Shamrao Kamble Dr. Girish Raut Ms. Varsha Madhavrao Deshmukh
Mr. Narendra Jethidan Ziba
Ms. Deepika Kedar Kumbhojkar Mr. Sunit Rawat Mr. Anil Narayanrao Padukone Mr. Nanjibhai Rudabhai Khimsuriya
Dr. Shubhangi Ajit Shukla Mr. Nitin Suresh Nerurkar Mr. Manohar Sambhaji Ayalane Dr. (Ms) Alpana Labhubhai Trivedi
Prof. Vilas Manikrao Ransubhe Dr.(Mrs) Varsha Degwekar Mr. Ambure Devanand Badurao Mr. Bhagyesh Pradulbhai Vora
Mr. Ramesh Chandrakant Ratankar Mr. Tejas Dhande Mr. Padamakar Shridharrao Jondhale SATARA DIVISION
Mr. T D Gadpaile, SDM
MUMBAI DIVISION – I Mumbai SSS Division NASHIK DIVISION Mr. Hanmant Viuthoba Daware
Mr. P K Mahapatra, SDM Mr. Ananda Chatterjee, SDM Mr. Pradeep Shenoy, SDM Mr. K A Sabane
Mr. D.M.Kamble
Mr. Ram Kishor Darak Ms. Asha Jayant Gala Dr. Yogesh Suryawanshi
Mr. P N Savagave
Mr. Rakesh N Gopani Mr. Manoj Kunkalienkar Mr.Jayant Bhaskar Bhatambrekar Mr. Vijayendra Vinod Rathi
Ms. Sania Surve Dr. Ashutosh Pradhan Mr. Viraj Vijayrao Lomte
SURAT DIVISION
Mr. Shaikh Maqbool Husain Mr. Mangesh Deodhar Dr. Mahadeo Buwaji Kamble Mr. Sharad Tripathi, SDM
Mr. Pandurang Ajabrao Awasarmol Mr. Nilkanth Tapare Ms. Shobha Prasad Gosavi Mr. Kalpesh R Patel
Mr. Nirav Shah
MUMBAI DIVISION – II NADIAD DIVISION PUNE DIVISION- I Mr. Mohanlal K Sadhwani
Mr. Vivek Paul, SDM Mr. Sandeep Kumar, SDM Mr. P S Nayak, SDM Ms. Krishna I Patel
Ms. Sindhu Chandanshive Mr. Bhavin S Gandhi Dr. Maheshwari Virsing Gavit Mr. Harshad N Kanani
Mr. Milind Sumanta Mudrale Mr. Bipinbhai M Shah Ms. Geeta Sivakumar THANE DIVISION
Mr. Uday Giridhar Kokate Mr. Jitendra G. Amin Dr. Prashant A Chavan Mr. Puneet Kumar, SDM
Mr. Manoj Kshirsagar
Mr. Anil Tarfe Ms. Daminiben B Dave Mr. Kishore Naruti Navale
Mr. Samir P Yerpude
Mr. Ganpat M Chunekar Mr. Satishchandra I. Shrimali Mr. Hiten S Shah Mr. Makarand Bhat
Dr.(Ms) Asha Bhoite
MUMBAI DIVISION – III NAGPUR DIVISION PUNE DIVISION- II
Mr. Mahatn Suresh Khan
Dr.(Mrs.) Tanuja R Kumar , SDM Mr. Ashwini kumar Jha, SDM Mr Niraj Gupta, SDM
VADODARA DIVISION
Ms. Sonali Dethe Mr. Ravindra Jawalkar Dr. Raosaheb Ramchandra Patil.
Mr. P P Kelkar, SDM
Ms. Reena Pawar Dr. Shantanu P Jog Dr. Baban P Jogdand Mr. Nayan R Kothari
Mr. Ritesh Ganotra Mr. Sanjaykumar M. Gajghate Dr. Girish N Kumthekar Mr. Narsinh D Parmar
Mr. Siddharth Sawant Mrs. Adv. Nandini Pravin Thete Mr. Pawan Kulkarni Ms. Lisa Dhami
Mr. Mittal A Ghiya
Mr. Gangadhar S Ayare Mr. Vinay T Barhate Prof (Dr) Bharati D Revadkar
Mr. Ashif I Shaikh
125
61 st Annual Report
APPENDIX-II
Statutory (Central) Auditors of the Corporation for 2017-2018
NAME OF FIRM ADDRESS
Sailesh Shah 12-B, Baldota Bhavan, 5th Floor

Partner 117, Maharshi Karve Road,
M/s Khandelwal jain & Co. Churchgate, Mumbai 40 020.
Chartered Accountants Maharashtra.
Vijay Napawaliya 714-715, Tulsiani Chambers

Partner 212, Nariman Point
M/s Chaturvedi & Shah Mumbai - 400021, Maharashtra.
Chartered Accountants
Parveen Kumar 81/1, Third Floor

Partner Adchini, Aurobindo Marg
M/s A.S.A & Associates LLP New Delhi- 110017, Delhi.
V B Singh 16/98, LIC Building

Partner The Mall,
M/s S.K Kapoor & Co. Kanpur- 208001, Uttar Pradesh.
S R Totla 302,Alankar Point,

Partner Geeta Bhavan Square,
M/s O.P Totla &Co. A.B.Road
Chartered Accountants Indore - 452001, Madhya Pradesh.
Aniruddha Sengupta Four Mangoe Lane, Ground Floor,

Partner Surendra Mohan Ghosh Sarani
M/s V Singhi & Associates Kolkata- 700001, West Bengal.
S.Ganesan No.4(Old No. 55A)

Partner South Boag Road, Thyagarayanagar
M/s Suri &Co. Chennai-600017, Tamil Naidu.
S.P Sinha 4th Floor , Sukirti

Partner S.P Verma Road
M/s B Gupta & Co. Patna-800001, Bihar
Nikhil Kumar Agrawalla 106-109, 1ST Floor, Apollo Complex,

Partner R.K.Singh Road, Near Sona Udyog,
M/s MKPS & Associates Andheri (E), Mumbai - 400 069
Chartered Accountants Maharashtra.
L. Shyama Prasad Flat No.5-H, D Block, 8-3-324,

Partner Yellareddyguda Lane,
M/s Umamaheswara Rao & Co. Ameerpet X Roads,
Chartered Accountants Hyderabad- 500073, Telangana.
126
126
61 st Annual Report
31 cee®e&, 2018 keÀes meceeHle

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Ho$ à‘mUnÌ na {dídmg {H$¶m h¡&
128
128
61 st Annual Report
Independent Auditors’ Report

To The Life Insurance Corporation of India
Report on the Financial Statements
We have audited the attached Balance Sheet of the Life Insurance Corporation of India ( the Corporation) as at 31st March, 2018 for Life
Insurance Business, Health Business, Pension Business, Capital Redemption (including Annuity Certain), Annuity Business and Linked
Business, and related Revenue Accounts, Profit & Loss Accounts and Receipts and Payments Account for the Life Insurance Business,
Health Business, Pension Business, Capital Redemption (including Annuity Certain), Annuity Business and Linked Business for the
year ended on that date and a summary of Significant Accounting Policies and other explanatory information annexed thereto (hereafter
referred to as Financial Statements), in which are incorporated returns of Mauritius, London and Fiji branches, audited by respective local
auditors; 9 Divisional Offices, 4 units of Pension & Group Schemes and 50 branches audited by us, 104 Divisional Offices, 65 units of
Pension & Group Schemes and 646 branches audited by other auditors appointed by the Corporation and unaudited returns in respect
of 1352 branches and report as under:
Management’s Responsibility for the Financial Statements
The Management is responsible for the preparation and presentation of these financial statements that gives a true and fair view of the
financial position and financial performance in accordance with the provisions of the Life Insurance Corporation Act, 1956, Insurance
Act, 1938 (the “Insurance Act”) as amended by the Insurance Laws Amendment Act, 2015; the Insurance Regulatory and Development
Authority Act, 1999 ; the Insurance Regulatory Development Authority of India (Preparation of Financial Statements and Auditor’s Report
of Insurance Companies) Regulations, 2002 and orders/ circulars issued by Insurance Regulatory and Development Authority (“IRDA”)
in this behalf. This responsibility includes the design, implementation and maintenance of internal control relevant to the preparation and
presentation of the financial statements that give true and fair view and are free from material misstatement, whether due to fraud or error.
Auditor’s Responsibility
Our responsibility is to express an opinion on these financial statements based on our audit. We conducted our audit in accordance
with the Standards on Auditing issued by the Institute of Chartered Accountants of India. Those Standards require that we comply with
ethical requirements and plan and perform the audit to obtain reasonable assurance about whether the financial statements are free from
material misstatement.
An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements. The
procedures selected depend on the auditor’s judgment, including the assessment of the risks of material misstatement of the financial
statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the
Corporation’s preparation and fair presentation of the financial statements in order to design audit procedures that are appropriate in
the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the Corporation’s internal control. An audit
also includes evaluating the appropriateness of accounting policies used and the reasonableness of the accounting estimates made
by management, as well as evaluating the overall presentation of the financial statements. We believe that the audit evidence we have
obtained is sufficient and appropriate to provide a basis for our audit opinion.
Opinion
In our opinion and to the best of our information and according to the explanations given to us, the Financial Statements are prepared in
accordance with the requirements of the Life Insurance Corporation Act, 1956, Insurance Act, 1938 (the “Insurance Act”) as amended by
the Insurance Laws Amendment Act 2015, the Insurance Regulatory and Development Authority Act, 1999 (41 of 1999) in the manner
so required and give a true and fair view in conformity with Accounting Principles generally accepted in India as applicable to Insurance
Companies:
i. In the case of the Balance Sheet, of the state of affairs of the Corporation including Life Insurance Business, Health Business,
Pension Business, Capital Redemption (including Annuity Certain), Annuity Business and Linked Business as at 31st March, 2018;
ii. In the case of the Revenue Accounts, Surplus, of the Corporation including Life Insurance Business, Health Business, Pension
Business, Capital Redemption (including Annuity Certain), Annuity Business and Linked Business for the year ended 31st March,
2018;
iii. In the case of the Profit & Loss Account, of the profit of the Corporation, for the year ended 31st March, 2018; and
iv. In the case of the Receipt and Payment Account, of the Receipts and Payments for the year ended 31st March, 2018.
Other Matters
The Actuarial Valuation of Liabilities is the responsibility of the Corporation’s Appointed Actuary (‘the Appointed Actuary’). The Appointed
Actuary has duly certified the actuarial valuation of liabilities for policies as at 31st March, 2018 and in his opinion the assumptions for
such valuation are in accordance with the guidelines and norms issued by the Insurance Regulatory Development and Authority and the
Institute of Actuaries of India in concurrence with the Authority. We have relied upon the Appointed Actuary’s Certificate in this regard for
forming our opinion on the Financial Statements of the Corporation.
129
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gZXr boImH$ma gZXr boImH$ma gZXr boImH$ma
H.n.g./105049W H.n.g./004283S H.n.g./009571N/N500006
e¡boe emh (nmQ>©Za) Eg. JUogZ (nmQ>©Za) àdrU Hw$‘ma (nmQ>©Za)
g.H«$.033632 g.H«$. 018525 g.H«$.088810
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gZXr boImH$ma gZXr boImH$ma gZXr boImH$ma
H.n.g./000745C H.n.g./000734C H.n.g./311017E
dr. ~r. qgK (nmQ>©Za) Eg. Ama. Q>moQ>bm (nmQ>©Za) A{ZéÕm goZJwám (nmQ>©Za)
g.H«$. 073124 g.H«$. 071774 g.H«$. 051371
~r Jwám E§S> H§$ Ho$ {bE C‘m‘hoída amd E§S> H§$. Ho$ {bE
E‘Ho$nrEg E§S> Agmo{gEQ²>g Ho$ {bE gZXr boImH$ma gZXr boImH$ma
gZXr boImH$ma H.n.g./000933C H.n.g./004453S
H.n.g./302014E Eg nr {gÝhm (nmQ>©Za) Eb. í¶m‘m àgmX (nmQ>©Za)
{Z{Ib Hw$‘ma AJ«dmbm (nmQ>©Za) g.H«$. 014854 g.H«$. 028224
g.H«$.157955
MVwo©doXr E§S emh Ho$ {bE

gZXr boImH$ma
H.n.g./101720W
{dO¶ Znmdm{b¶m (nmQ>©Za)
g.H«$. 109859
ñWmZ … ‘w§~B©
{XZm§H$ … 21 OyZ, 2018
130
130
61 st Annual Report
Report on Other Legal and Regulatory Requirements

(i). As required under the provisions of IRDA guidelines we report that;
a. we have obtained all the information and explanations which to the best of our knowledge and belief were necessary for the
purposes of our audit and have found them to be satisfactory;
b. In our opinion and to the best of our information and according to the explanations given to us, proper books of account as
required by law have been maintained by the Corporation so far as it appears from our examination of those books;
c. In our opinion proper returns of Divisional Offices and branches both audited and unaudited have been received and found
them adequate for the purpose of audit;
d. The Financial Statements of the Corporation referred to in the report are in agreement with the books of account and returns;
e. In our opinion and to the best of our information and according to the explanations given to us, the Investments have been
valued in accordance with the provisions of the Insurance Act, 1938 as amended by the Insurance Laws (Amendment) Act
2015, the Insurance Regulatory and Development Authority (Preparation of Financial Statements and Auditor’s Report of
Insurance Companies) Regulation, 2002, and orders/directions issued by IRDA in these behalf;
f. In our opinion and to the best of our information and according to the explanations given to us, the Accounting Policies
adopted by the Corporation are appropriate and are in compliance with the applicable Accounting Standards issued by the
Institute of Chartered Accountants of India and with the Accounting Principles as prescribed in the Insurance Regulatory and
Development Authority (Preparation of Financial Statements and Auditor’s Report of Insurance Companies) Regulation, 2002,
and orders/directions issued by IRDA in these behalf;
(ii). Further, on the basis of our examination of the books and records of the Corporation and according to the information &
explanations given to us and to the best of our knowledge and belief we certify that,
a. We have reviewed the Management Report attached with the Financial Statements for the year ended 31st March, 2018 and
there are no apparent mistakes or material inconsistencies between the Management Report and the Financial Statements;
b. The Corporation has complied with the terms and conditions of registration stipulated by the Insurance Regulatory and
Development Authority except as stated in note no. 14 of the notes to the accounts;
c. We have verified the cash balances, investments and securities relating to loans given by the Corporation by actual inspection
or by production of certificates or vouchers as the case may be;
d. The Corporation does not act as a trustee of any trust;
e. No Part of the Assets of the Policyholders’ Fund has been directly or indirectly applied in contravention of the provisions of the
Insurance Act, 1938 (4 of 1938) as amended by the Insurance Laws (Amendment) Act 2015, relating to the application and
investment of the Policyholders’ Fund.
For Khandelwal Jain & Co. For Suri & Co. For ASA & Associates LLP
Chartered Accountants Chartered Accountants Chartered Accountants
F.R.N./ 105049W F.R.N./ 004283S F.R.N./ 009571N / N500006
Shailesh Shah (Partner) S. Ganesan (Partner) Parveen Kumar (Partner)
M. No. 033632 M.No. 018525 M. No. 088810
For S.K. Kapoor & Co. For O P Totla & Co. For V. Singhi & Associates
F.R.N./ 000745C F.R.N./ 000734C F.R.N./ 311017E
V. B. Singh (Partner) S R Totla (Partner) Aniruddha Sengupta (Partner)
M. No. 073124 M. No. 071774 M. No. 051371
For MKPS & Associates For B Gupta & Co. For Umamaheswara Rao & Co.
F.R.N./ 302014E F.R.N./ 000933C F.R.N./ 004453S
Nikhil Kumar Agrawalla (Partner) S P Sinha (Partner) L. Shyama Prasad (Partner)
M. No. 157955 M. No. 014854 M. No. 028224
For Chaturvedi & Shah

F.R.N./ 101720W
Place: Mumbai Vijay Napawaliya (Partner)
Date: 21st June, 2018 M. No. 109859
131
\ m_© E-~rEg FORM A- BS

~r‘mH$Vm© H$m Zm‘ : ^maVr¶ OrdZ ~r‘m {ZJ‘ Name of the Insurer: Life Insurance Corporation of India
n§OrH$aU H$s g§»¶m 512 VWm VmarI : 01.01.2001 Registration No. : 512 Dated 01.01.2001
31 ‘mM©, 2018 VH$ H$m VwbZ-nÌ (` bmImo§ _o§)
BALANCE SHEET AS AT 31ST MARCH, 2018 (` in lakhs)
{ddaU AZwgwMr J¡a-g§~Õ ì¶dgm¶ g§~Õ ì¶dgm¶ Hw$b

Particulars Schedule Non-linked Business Linked Business Total
^maV ‘| ^maV Ho$ ~mha ^maV ‘| ^maV Ho$ ~mha Mmby df© {nN>bo df©
In India Out of India In India Out of India Current Year Previous Year
{Z{Y¶m| H$m ómoV SOURCES OF FUNDS
eo¶aYmaH$m| H$s {Z{Y¶m±: SHAREHOLDERS' FUNDS:
eo¶a ny±Or SHARE CAPITAL 5 10000.00 0.00 0.00 0.00 10000.00 10000.00
Ama{jV{Z{Y Ed§ A{Yeof

RESERVES AND SURPLUS 6 27202.82 25474.93 0.00 0.00 52677.75 50179.64
O‘m/(Zm‘|) ghr ‘yë¶ n[adV©Z boIm

CREDIT/(DEBIT) FAIR VALUE CHANGE ACCOUNT 0.00 2359.50 0.00 0.00 2359.50 465.64
Cn-¶moJ / Sub-Total 37202.82 27834.43 0.00 0.00 65037.25 60645.28
CYmar BORROWINGS 7 0.00 0.00 0.00 0.00 0.00 0.00
nm°{bgrYmaH$m| H$s {Z{Y¶m± POLICYHOLDERS' FUNDS:
O‘m/(Zm‘|) ghr ‘yë¶ n[adV©Z boIm

CREDIT/(DEBIT) FAIR VALUE CHANGE ACCOUNT 19356098.91 5903.94 311346.49 0.00 19673349.34 19499763.87
nm°{bgr Xm{¶Ëd
POLICY LIABILITIES 250123339.72 276574.65 2956428.72 114.61 253356457.70 226328909.30
~§X nm°{b{g¶m| Ho$ {b¶o {Z{Y

FUNDS FOR DISCONTINUED POLICIES
àr{‘¶‘ ^wJVmZ Zm H$aZo Ho$ H$maU amoH$ XoZm

Discontinued on account of non payment of premium 0.00 0.00 2403.77 0.00 2403.77 3838.06
AÝ¶ others 0.00 0.00 2440.57 0.00 2440.57 5595.36
{~‘m Ama{jV{Z{Y
INSURANCE RESERVES 6A 941003.92 28773.50 0.00 19.87 969797.29 964678.51
^{dî¶ Xm{¶Ëdm| Ho$ {bE àmdYmZ

PROVISION FOR LINKED LIABILITIES 0.00 0.00 5086812.90 5214.37 5092027.27 6051233.25
Cn-¶moJ / Sub-Total 270420442.55 311252.09 8359432.45 5348.85 279096475.94 252854018.35
^{dî¶ {d{Z¶moOZm| Ho$ {bE {Z{Y¶m±

FUNDS FOR FUTURE APPROPRIATIONS 0.00 0.00 7.79 0.00 7.79 3.27
Hw$b/ TOTAL 270457645.37 339086.52 8359440.24 5348.85 279161520.98 252914666.90
{Z{Y¶m| H$m à¶moJ / APPLICATION OF FUNDS
{Zdoe / INVESTMENTS
eo¶aYmaH$m| Ho$ / Shareholders' 8 20867.65 37712.10 0.00 0.00 58579.75 57397.52
nm°{bgrYmaH$m| Ho$ /Policyholders' 8A 251262194.89 292761.82 0.00 0.00 251554956.71 223203600.66
g§~Õ Xm{¶Ëd a{jV H$aZo Ho$ {bE n[agån{V¶m± 8B

ASSETS HELD TO COVER LINKED LIABILITIES 0.00 0.00 8808227.66 5130.67 8813358.33 10302075.29
F$U / LOANS 9 10257559.02 15678.34 1742.97 0.00 10274980.33 10229125.36
AMb n[agån{Îm¶m± FIXED ASSETS 10 273467.44 1418.71 0.00 0.00 274886.15 258578.98
Mmby n[agån{Îm¶m± CURRENT ASSETS
amoH$‹S> Ed§ ~¢H$ ‘| A{Veof Cash and Bank Balances 11 2255348.21 10604.73 2100.11 0.00 2268053.05 3272916.85
A{J«_ Ed§ AÝ` n[agån{Îm¶m± Advances and Other Assets 12 11181001.26 5137.51 67995.59 0.00 11254134.36 9870897.58
Cn-¶moJ (H$) Sub-Total (A) 13436349.47 15742.24 70095.70 0.00 13522187.41 13143814.43
132
132
61 st Annual Report
{ddaU AZwgwMr J¡a-g§~Õ ì¶dgm¶ g§~Õ ì¶dgm¶ Hw$b

Particulars Schedule Non-linked Business Linked Business Total
^maV ‘| ^maV Ho$ ~mha ^maV ‘| ^maV Ho$ ~mha Mmby df© {nN>bo df©
In India Out of India In India Out of India Current Year Previous Year
Mmby Xm{¶Ëd CURRENT LIABILITIES 13 3073533.11 23938.83 520626.09 (218.18) 3617879.85 2565586.38
àmdYmZ PROVISIONS 14 1719259.99 287.86 0.00 0.00 1719547.85 1714338.96
Cn-¶moJ /Sub-Total (B) 4792793.10 24226.69 520626.09 (218.18) 5337427.70 4279925.34
ewÕ Mmby n[agån{Îm¶m± J), (H - I)

NET CURRENT ASSETS (C) = (A - B) 8643556.37 (8484.45) (450530.39) 218.18 8184759.71 8863889.09
{d{dY ì¶¶ (Omo ~o ImVo ‘| Z S>mbo JE hmo ¶m g‘m¶mo{OV Z

hþE hm|)
MISCELLANEOUS EXPENDITURE 15 0.00 0.00 0.00 0.00 0.00 0.00
(to the extent not written off or adjusted)
bm^-hm{Z boIm ‘| Zm‘| eof (eo¶aYmaH$m| H$m ImVm)

DEBIT BALANCE IN PROFIT & LOSS 0.00 0.00 0.00 0.00 0.00 0.00
ACCOUNT (Shareholders' Account)
Hw$b / Total 270457645.37 339086.52 8359440.24 5348.85 279161520.98 252914666.90
Contingent Liabilities (AmH$pñ_H$

Xo`VmE§) 15 A (B) 1.
‘hÎdnyU© boIZr{V¶m± VWm boImo H$r {Q>ßn{U¶m± 15 H$

Significant Accounting Policies & Notes to Accounts 15A
Cn`w©º$ AZwgwM`m± Ed§ ZmoQg Qy AH$mC§Q VwbZnÌ Ho$ A{^Þ A§J h¡.
Schedules referred to above and the Notes to the Accounts
are integeral part of balance sheet.
h_mar Cg VmarI dmbr {anmoQ© Ho$ AZwgma AZwgw{M`m± 1 go 15H$ VH$ Ho$ {bE hñVmja
As per our report of even date Signatures to Schedules 1 to 15A
IÊS>odmb O¡Z E§S> H§$. Ho$ {bE gwar E§S> H§$. Ho$ {bE dr.Ho$.e_m© AÜ¶j
For Khandelwal Jain & Co. For Suri & Co. V.K.Sharma Chairman
Chartered Accountants Chartered Accountants
F.R.N. / 105049W F.R.N/004283S
e¡boe emh (nmQ>©Za) Eg. JUogZ (nmQ>©Za)
Shailesh Shah (Partner) S. Ganesan (Partner)
g.H«$./M.No.033632 g.H«$./ M.No. 018525
EEgE E§S> Agmo{g¶Q²>g EbEbnr Ho$ {bE Eg Ho$ H$nya E§S H§$ Ho$ {bE ~r doUwJmonmb à~§Y {ZXoeH$
For ASA & Associates LLP For S.K. Kapoor & Co. B. Venugopal Managing Director
F.R.N./009571N/N500006 F.R.N./000745C
àdrU Hw$‘ma (nmQ>©Za) dr. ~r. qgK (nmQ>©Za)
Parveen Kumar (Partner) V. B. Singh (Partner)
g.H«$./M.No. 088810 g.H«$./M.No. 073124
}
Amo nr Q>moQ>bm E§S> H§$ Ho$ {bE dr. qgKr E§S> Agmo{gEQ²>g Ho$ {bE ho_§V ämmJ©d
For O P Totla & Co. For V. Singhi & Associates Hemant Bhargava
F.R.N./000734C F.R.N./311017E {ZJ‘ Ho$ gXñ¶
Eg. Ama. Q>moQ>bm (nmQ>©Za) A{ZéÕm goZJwám (nmQ>©Za) Members of the Corporation
S.R. Totla (Partner) Aniruddha Sengupta (Partner)
E{bg Or d¡X`Z
g.H«$./ M.No. 071774 g.H«$. M.No.051371 Alice G. Vaidayan
E‘Ho$nrEg E§S> Agmo{gEQ²>g Ho$ {bE ~r Jwám E§S> H§$ Ho$ {bE
For MKPS & Associates For B Gupta & Co.
Chartered Accountants Chartered Accountants ew^m§Jr g§. gmo_U n«_wI ({dÎm Ed§ boIm)
F.R.N./302014E F.R.N./000933C Shubhangi S. Soman Chief (F&A)
{Z{Ib Hw$‘ma AJ«dmbm (nmQ>©Za) Eg nr {gÝhm (nmQ>©Za)
Nikhil Kumar Agrawalla (Partner) S.P. Sinha (Partner)
g.H«$./ M.No. 157955 g.H«$. M.No. 014854
C‘m‘hoída amd E§S> H§$. Ho$ {bE MVwo©doXr E§S emh Ho$ {bE {XZoe n§V {Z¶wº$ ~r‘m§H$H$
For Umamaheswara Rao & Co. For Chaturvedi & Shah Dinesh Pant Appointed Actuary
F.R.N./004453S F.R.N./101720W
Eb. í¶m‘m àgmX (nmQ>©Za) {dO¶ Znmdm{b¶m (nmQ>©Za)
L. Shyama Prasad ( Partner ) Vijay Napawaliya (Partner)
g.H«$./M.No. 028224 g.H«$./M.No. 109859
‘w§~B©… 21 OyZ, 2018 gZXr boImH$ma

Mumbai: 21st June, 2018 Chartered Accountants
133
’$m°‘© E-AmaE
~r‘mH$Vm© H$m Zm‘ : ^maVr¶ OrdZ ~r‘m {ZJ‘
n§OrH$aU H$s g§»¶m 512 VWm VmarI : 01.01.2001
31 ‘mM© 2018 H$mo g‘má df© Ho$ {bE amOñd ImVm

REVENUE ACCOUNT FOR THE YEAR ENDED 31ST MARCH, 2018
{ddaU AZwgwMr J¡a-g§~Õ ì¶dgm¶ Hw$b (Mmby df©)

Particulars Schedule Non-Linked Total (Current Year)
gh^mJr J¡a-gh^mJr
Participating Non-Participating
^maV ‘| ^maV Ho$ ~mha ^maV ‘| ^maV Ho$ ~mha
In India Out of India In India Out of India
A{O©V ewÕ àr{‘¶‘ Premiums earned - net
(H$) {à{‘¶‘
(a) Premium 1 21284432.25 32416.71 10416407.15 89.20
(I) nwZ~u‘m A§VaU
(b) Reinsurance ceded (16616.94) (30.79) (19304.60) 0.00
(J) nwZ~u‘m ñdrH$ma
(c) Reinsurance accepted 0.00 0.00 0.00 0.00
21267815.31 32385.92 10397102.55 89.20

{Zdoe go Am¶/ Income from Investments
(H$) ã¶mO, bm^m§e Ed§ {H$am¶m, Hw$b
(a) Interest, Dividends & Rent - Gross 13576276.29 19934.39 4141036.56 19.57
(I) {Zdoe {~H«$s / ‘moMZ na hm{Z

(b) Profit on sale/redemption of investments 1910223.58 1396.85 220467.96 0.00
(J) {Zdoe {dH«$s / ‘moMZ na hm{Z

(c) (Loss on sale/redemption of investments) (99467.54) (188.31) (42631.91) 0.00
(K) nwZ‘y©ë¶mH§$Z/ghr ‘yë¶ n[adV©Z na A§VaU/
bm^*
(d) Transfer/Gain on revaluation/change in 0.00 7176.09 0.00 0.00
fair value*
(L>) AÝ¶ Am¶ (e) Other Income

(i) ~Å>o ImVo ‘| S>mbr am{e¶m± Amounts written back 4947.19 (33.15) (6.00) 0.00
(ii) ‹’w$Q>H$a àm{á¶m± Sundry Receipts 39727.72 28.82 35500.91 0.00
Hw$b (H$) TOTAL (A) 36699522.55 60700.61 14751470.07 108.77
H$‘reZ Commission 2 1768760.40 2145.70 49368.02 1.31
~r‘m ì¶dgm¶ go g§~§{YV n[aMmbZ IM©

Operating Expenses related to Insurance Business 3 2836157.65 3814.04 152332.90 3.41
AÝ` ì`` … {d{Z`_ / Other Expenses: Exchange 5.93 0.13 0.00 0.00
{Z{Y n«~§YZ n«^ma Ed§ AÝ` n«^ma na godm H$a

Service Tax on Fund Management charges & other charges 0.00 0.00 0.00 0.00
g§{X½Y F$Umo§ Ho$ {bE n«mdYmZ

Provisions for Doubtful debts 274453.24 3.65 114.12 0.00
134
134
61 st Annual Report
FORM A- RA
Name of the Insurer: Life Insurance Corporation of India
Registration No. : 512 Dated 01.01.2001
nm°{b{gYmaH$mo§ H$m boIm (VH$ZrH$r boIm)

Policyholders’ Account (Technical Account)
(` bmImo§ _o§)
(` in lakhs)
g§~Õ ì¶dgm¶ Hw$b (Mmby df©) Hw$b ({nN>bo df©)
Linked Business Total (Current Year) Previous Year
J¡a-gh^mJr
Non-Participating
^maV ‘| ^maV Ho$ ~mha gh^mJr J¡a-gh^mJr gh^mJr J¡a-gh^mJr
In India Out of India Participating Non-Participating Participating Non-Participating
88438.43 536.82 21316848.96 10505471.60 20044777.51 10003958.47
(1269.36) 0.00 (16647.73) (20573.96) (12007.14) (17060.44)
0.00 0.00 0.00 0.00 0.00 0.00
87169.07 536.82 21300201.23 10484897.64 20032770.37 9986898.03
472200.96 131.53 13596210.68 4613388.62 12440068.38 3961428.27
720610.64 100.89 1911620.43 941179.49 1484769.32 665559.16
(47279.04) (34.77) (99655.85) (89945.72) (94638.14) (30173.61)
(383964.38) (109.68) 7176.09 (384074.06) (11390.23) 766668.27
0.00 0.00 4914.04 (6.00) 7187.10 (40.51)

8.12 (60.84) 39756.54 35448.19 23266.86 30286.25
848745.37 563.95 36760223.16 15600888.16 33882033.66 15380625.86
2406.44 0.00 1770906.10 51775.77 1617418.06 41588.60
21931.53 0.01 2839971.69 174267.85 2740651.16 153814.49
0.00 (583.23) 6.06 (583.23) 31.27 708.59
19371.18 0.00 0.00 19371.18 0.00 18969.45
123.27 0.00 274456.89 237.39 263519.69 18988.80
135
31 ‘mM© 2018 H$mo g‘má df© Ho$ {bE amOñd ImVm

REVENUE ACCOUNT FOR THE YEAR ENDED 31ST MARCH, 2018
{ddaU AZwgwMr J¡a-g§~Õ ì¶dgm¶ Hw$b (Mmby df©)

Particulars Schedule Non-Linked Total (Current Year)
gh^mJr J¡a-gh^mJr
Participating Non-Participating
^maV ‘| ^maV Ho$ ~mha ^maV ‘| ^maV Ho$ ~mha
In India Out of India In India Out of India
H$amYmZ Ho$ {bE n«mdYmZ

Provisions for taxation 741577.49 628.82 0.00 0.00
n«mdYmZ (H$amYmZ Ho$ A{V{aŠV)

Provisions (other than taxation)
(H$) {Zdoe Ho$ _yë` (ewÕ) H$_r Ho$ {bE
(a) For diminution in the value of investments (Net) 632.48 0.00 49.79 0.00
(I) Amdí`H$ emoYj_Vm gr_m Ho$ {bE n«mdYmZ
(b) Provision for Required Solvency Margin 0.00 0.00 0.00 0.00
(J) AÝ` (c) Others 251294.63 4.61 112852.93 0.00
Hw$b (I)/ TOTAL (B) 5872881.82 6596.95 314717.76 4.72
AXm {H$`m J`m bm^ (ewÕ)

Benefits paid (Net) 4 12527605.93 32837.78 5643046.09 68.37
AXm {H$`m J`m A§V{a_ ~moZg

Interim Bonuses Paid 155310.71 168.47 0.00 0.00
OrdZ nm°{b{g`mo§ Ho$ g~§Õ _o§ Xm{`Ëd _yë`m§H$Z _o§ n{adV©Z

Change in valuation of liability in respect of life policies
(H$) Hw$b** (a) Gross** 17901829.69 20809.55 8793706.22 35.68
(I) nwZ~r©_m _o§ A§V{aV am{e

(b) Amount ceded in Reinsurance 0.00 0.00 0.00 0.00
(J) nwZ~r©_m _o§ ñdrH¥$V am{e
(c) Amount accepted in Reinsurance 0.00 0.00 0.00 0.00
g~§Õ Xo`VmAmo§ Ho$ n«mdYmZ _o§ A§VaU
Transfer to provision for Linked Liabilities 0.00 0.00 0.00 0.00
^{dî` Ho$ {d{Z`moOZ {Z{Y`mo§ Ho$ A§VaU

Transfer to Funds for Future Appropriations 0.00 0.00 0.00 0.00
~§X H$aZo {Z{Y`mo§ H$mo A§VaU

Transfer to Funds for Discontinued Fund 0.00 0.00 0.00
Hw$b (J)/TOTAL (C) 30584746.33 53815.80 14436752.31 104.05
A{Yeof/(KmQm) (K)=(H$)-(I)-(J)
SURPLUS/(DEFICIT) (D) = (A)-(B)-(C) 241894.40 287.86 0.00 0.00
{d{Z`moOZ/APPROPRIATIONS
eoàYmaH$mo§ Ho$ boIm _o§ A§VaU
Transfer to Shareholders' Account 241894.40 287.86 0.00 0.00
nm°{b{gYmaH$mo§ Ho$ boIm _o§ A§VaU$

Transfer to Policy holders 0.00 0.00 0.00 0.00
^{dî` Ho$ {d{Z`moOZ {Z{Y`mo§ H$mo A§VaU

Transfer to Funds for Future Appropriations 0.00 0.00 0.00 0.00
Hw$b (K)/TOTAL (D) 241894.40 287.86 0.00 0.00
136
136
61 st Annual Report
nm°{b{gYmaH$mo§ H$m boIm (VH$ZrH$r boIm)

Policyholders’ Account (Technical Account) (` bmImo§ _o§)
(` in lakhs)
g§~Õ ì¶dgm¶ Hw$b (Mmby df©) Hw$b ({nN>bo df©)
Linked Business Total (Current Year) Previous Year
J¡a-gh^mJr
Non-Participating
^maV ‘| ^maV Ho$ ~mha gh^mJr J¡a-gh^mJr gh^mJr J¡a-gh^mJr
In India Out of India Participating Non-Participating Participating Non-Participating
0.00 66.46 742206.31 66.46 632496.81 0.00
923.44 0.00 632.48 973.23 (7334.67) (3453.46)
0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 251299.24 112852.93 141623.27 43455.80
44755.86 (516.76) 5879478.77 358961.58 5388405.59 274072.27
1452446.74 499.05 12560443.71 7096060.25 10897178.06 5772299.89
0.00 0.00 155479.18 0.00 92949.51 0.00
311236.89 (69.63) 17922639.24 9104909.16 17283467.14 9181277.58
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
(959857.27) 651.29 0.00 (959205.98) 0.00 152871.12
4.52 0.00 0.00 4.52 0.00 (2.02)
158.63 0.00 0.00 158.63 0.00 107.02
803989.51 1080.71 30638562.13 15241926.58 28273594.71 15106553.59
0.00 0.00 242182.26 0.00 220033.36 0.00
0.00 0.00 242182.26 0.00 220033.36 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 242182.26 0.00 220033.36 0.00
137
{QßnUr … CnamoŠV AmH$Smo§ _o§ g§~Û ì`dgm` _o§ ~rg J¡a-gh^mJr `moOZmE§ h¡, O¡go ~r_m ßbg, â`yMa ßbg, OrdZ ßbg, _Zr ßbg, _mHo$©Q ßbg, \ m°À`w©Z ßbg, n«m°{\ Q ßbg, _Zr ßbg-1,_mH©o$Q
ßbg-1, MmB©ëS \ m°À`wZ ßbg, OrdZ gmWr ßbg, doëW ßbg, noÝeZ ßbg, EÝSmo_oÝQ ßbg, g_¥pÜX ßbg, âboŠgr ßbg, hoëW ßbg, hoëW n«moQoŠeZ ßbg, J¡MwQr ßbg, Ý`y EÝSmo_oÝQ ßbg VWm gwna
ßbg VWm gwna A°Ý`wEeZ ßbg &
* àm{YH$mar Ûmam {d{Z{X© ‘mZXÊS>mo Ho$ AZwgma ‘mZm hþAm àmß¶ bm^ Xem©Vm h¡&
** ~moZg Am~§Q>Z Ho$ ~mX J{UVr¶ Ama{jV {Z{Y Xem©Vm h¡&
(` bmImo§ _o§)
Total Surplus during the year Non Linked Total
df© Ho$ Xm¡amZ Hw$b A{Yeof Hw$b J¡a g§~Õ

Participating Non Particupating
gh^mJr J¡a gh^mJr
(H$) A§V[a‘ ~moZg 155479.18 0.00
(I) nm°{b{gYmaH$m| H$mo ~moZg H$m Am~§Q>Z : 4601462.88 0.00
(J) amOñd boIm ‘| Xem©¶m J¶m A{Yeof 242182.26 0.00
(K) Hy$b A{Yeof (H$+I+J): 4999124.32 0.00
O¡gm {H$ ~r‘m A{Y{Z¶‘ 1938 {H$ Ymam 40-I Ho$ AZwgma dm§{YV h¡, h‘ à‘m{UV H$aVo h¡ {H$ h‘mar gdm}Îm‘ OmZH$mar Am¡a {dídmg Ho$ AZwgma VWm h‘o§ hr Xr JB© gyMZm Am¡a ñdrH$aU Ho$ AZwgma
Am¡a O¡gm {H$ h‘| {ZJ‘ {H$ ImVm ~m{h¶m| Ho$ narjU go bJmVm h¡&
(H$) {ZJ‘ Ûmam g§nm{XV OrdZ ~r‘m ì¶dgm¶ go g§~§{YV g^r à~ÝY ì¶¶ amOñd ImVo ‘| - gh^mJr nyar Vah ì¶d¶º$ Zm‘o {H$E h¡&
(I) {Z‘JÛmam g§nm{XV VWm g§~Õ ì¶mdgm¶ go g§~§{YV g‘ñV à^ma, g§~§{YV amOñd ImVm| ‘| nyar Vah Zm‘| {H$E J¶E h¡&
Cna{b{IV AZwgy{M¶m± amOñd boIm Ho$ A§J^yV ^mJ h¡&
Note: The above figures include Linked business comprises of non participating plans, viz Bima Plus, Future Plus, Jeevan Plus,Money
Plus,Market Plus,Fortune Plus,Profit Plus ,Money Plus-I,Market Plus-I, Child Fortune Plus,Jeevan Sathi Plus,Wealth Plus,Pension
Plus,Endowment Plus,Samriddhi Plus,Flexi Plus, Health Plus,Health protection Plus, Gratuity Plus and Superannuation Plus.
* Represents the deemed realised gain as per norms specified by the Authority.
** Represents Mathematical Reserves after allocation of bonus.
(` in lakhs)
Total Surplus during the year Non Linked Total

Participating Non Particupating
(a) Interim Bonus: 155479.18 0.00
(b) Allocation of Bonus to Policyholders: 4601462.88 0.00
(c) Surplus shown in the Revenue accounts: 242182.26 0.00
(d) Total Surplus [a+b+c]: 4999124.32 0.00
As required by Section 40-B(4) of the Insurance Act, 1938 we certify that to the best of our knowledge and belief and according to the
information and explanations given to us and so far as appears from our examination of the Corporation’s books of accounts
(a) all expenses of management in respect of life insurance business transacted by the Corporation have been fully debited to the
Revenue Account- Participating/Non-Participating as expenses.
(b) all charges incurred in respect of the Life Insurance Business transacted by the Corporation in respect of Non-Linked and Linked
Business have been fully debited by the Corporation in the respective Revenue Accounts.
The Schedules referred to above form an integral part of the Revenue Account.

138
138
61 st Annual Report
h‘mar Cg VmarI dmbr [anmoQ>© Ho$ AZwgma

As per our report of even date
AZwgy{M¶m± 1 go 15 H$ VH$ Ho$ {bE hñVmja
Signature to Schedule 1 to 15A
F.R.N. / 105049W F.R.N/004283S
g.H«$./M.No.033632 g.H«$./ M.No. 018525
EEgE E§S Agmo{g¶Q²>g EbEbnr Ho$ {bE Eg Ho$ H$nya E§S H§$ Ho$ {bE ~r doUwJmonmb à~§Y {ZXoeH$
F.R.N./009571N/N500006 F.R.N./000745C
g.H«$./M.No. 088810 g.H«$./M.No. 073124
}
E{bg Or d¡X`Z
g.H«$./ M.No. 157955 g.H«$. M.No. 014854
F.R.N./004453S F.R.N./101720W
g.H«$./M.No. 028224 g.H«$./M.No. 109859

139
’$m°‘© E-nrEb FORM A- PL

~r‘mH$Vm© H$m Zm‘ : ^maVr¶ OrdZ ~r‘m {ZJ‘ Name of the Insurer: Life Insurance Corporation of India
n§OrH$aU H$s g§»¶m 512 VWm VmarI : 01.01.2001 Registration No. : 512 Dated:01.01.2001
31 ‘mM©, 2018 H$mo g‘má df© H$m g§~{YV bm^-hm{Z boIm eo¶aYmaH$m| H$m boIm (J¡a-VH$ZrH$s boIm)
PROFIT & LOSS ACCOUNT FOR THE YEAR ENDED 31ST MARCH, 2018
Shareholders’ Account (Non-technical Account)
(` bmImo§ _o§)
(` in lakhs)
{ddaU Particulars AZwgyMr J¡a-g§~Õ ì¶dgm¶ g§~Õ ì¶dgm¶ Hw$b
Schedule Non-Linked Business Linked Business Total
^maV ‘| ^maV Ho$ ~mha ^maV ‘| ^maV Ho$ ~mha Mmby df© ({nN>bo df©)
In India Out of India In India Out of India (Current Year) Previous Year
nm°{b{gYmaH$m| Ho$ boIm (VH$ZrH$s boIm) go eof H$mo

AJ«o{fV : 31-3-2018
Balance brought forward from the Policyholders
Account (Technical Account): As at 31.3.2018 241894.40 287.86 0.00 0.00 242182.26 220033.36
{Zdoe go Am¶/ Income from Investments
(H$) ã¶mO, bm^m§e Ed§ {H$am¶m-Hw$b
(a) Interest, Dividends & Rent - Gross 1412.03 2109.30 0.00 0.00 3521.33 3576.99
(I) {Zdoe H$s {~H«$s/‘moMZ na bm^
(b) Profit on sale/redemption of investments 0.00 339.22 0.00 0.00 339.22 1398.43
(J) {Zdoe H$s {~H«$s/‘moMZ na hm{Z
(c) (Loss on sale/redemption of investments) (11.32) (50.16) 0.00 0.00 (61.48) (152.82)
AÝ¶ Am¶ : gm‘mÝ¶ Ama{jV {ZYr go A§VaU
Other Income :Transfer from General Reseve 0.00 0.00 0.00 0.00 0.00 0.00
Hw$b(H$) TOTAL (A) 243295.11 2686.22 0.00 0.00 245981.33 224855.96
~r‘m ì¶dgm¶ go grYo g§~§{YV IMm} Ho$ A{V[aº$ AÝ¶ IM©
Expense other than those directly related to the 0.00 39.77 0.00 0.00 39.77 19.69
insurance business
àmdYmZ (H$amYmZ Ho$ A{V[aº$)
Provisions (Other than taxation)
(H$) {Zdoe Ho$ ‘yë¶ ‘| ewÕ H$‘r
(a) For diminution in the value of investments (Net) 0.00 0.00 0.00 0.00 0.00 0.00
(I) g§{X½Y F$Umo§ Ho$ {bE àmdYmZ
(b) Provision for doubtful debts 0.00 0.00 0.00 0.00 0.00 0.00
(J) AÝ¶ (ã¶moam XoZm h¡)
(c) Others (to be specified) 0.00 0.00 0.00 0.00 0.00 0.00
Hw$b(I) TOTAL (B) 0.00 39.77 0.00 0.00 39.77 19.69

bm^/hm{Z H$a nyd©/ Profit/(Loss) before tax 243295.11 2646.45 0.00 0.00 245941.36 224836.27
H$amYmZ H$m àmdYmZ Provision for Taxation 484.76 816.26 0.00 0.00 1301.02 1662.19
bm^/(hm{Z) H$a àíMmV Profit/Loss after tax 242810.35 1830.19 0.00 0.00 244640.54 223174.08
{d{Z¶moOZ / APPROPRIATIONS
(H$) VwbZ-nÌ go AJ«o{fV Ama{jH${Z{Y/A{Yeof
(a) Brought forward Reserve/Surplus from the 0.00 0.00 0.00 0.00 0.00 0.00
Balance Sheet
(I) df© Ho$ Xm¡amZ àXÎm bm^m§e
(5% ‘yë¶m§H$Z A{Yeof Ho$ÝÐr¶ gaH$ma H$mo àXÎm)
(b)Dividends paid during the year 0.00 0.00 0.00 0.00 0.00 0.00
(5% Valuation surplus paid to Central Government)
(J) àñVm{dV A§{V‘ bm^m§e (c) Proposed final dividend 241894.40 287.86 0.00 0.00 242182.26 220033.36
(K) bm^m§e (d) Dividend distribution on tax 0.00 0.00 0.00 0.00 0.00 0.00
(L>) gm‘mÝ¶ Ama{jV{Z{Y H$mo A§VaU (e) Transfer to
General Reserve 915.95 1542.33 0.00 0.00 2458.28 3140.72
VwbZ-nÌ H$mo AJ«o{fV bm^
Profit carried forward to the Balance Sheet 0.00 0.00 0.00 0.00 0.00 0.00
140
140
61 st Annual Report

F.R.N. / 105049W F.R.N/004283S
g.H«$./M.No.033632 g.H«$./ M.No. 018525
F.R.N./009571N/N500006 F.R.N./000745C
g.H«$./M.No. 088810 g.H«$./M.No. 073124
}
E{bg Or d¡X`Z
g.H«$./ M.No. 157955 g.H«$. M.No. 014854
F.R.N./004453S F.R.N./101720W
g.H«$./M.No. 028224 g.H«$./M.No. 109859

141
AZwgyMr`m± Omo {dËVr` {ddaUmo§ Ho$ A§J^yV h¡§

SCHEDULES FORMING PART OF THE FINANCIAL SATEMENTS
AZwgyMr - 1 {à{‘¶‘ : 31.3.2018

SCHEDULE - 1 - PREMIUM: 31.3.2018
(` bmImo§ _o§)
(` in lakhs)
{ddaU Particulars J¡a-g§~Õ ì¶dgm¶ g§~Õ ì¶dgm¶ Hw$b (Mmby df©) Hw$b ({nN>bo df©)
Non-Linked Business Linked Total (Current Year) Total (Previous Year)
Business
gh^mJr J¡a-gh^mJr J¡a-gh^mJr gh^mJr J¡a-gh^mJr gh^mJr J¡a-gh^mJr
Participating Non- Non- Participating Non- Participating Non-
Participating Participating Participating Participating
1 àW‘ dfu¶ àr{‘¶‘
First year Premiums 2488625.33 320046.92 5968.10 2488625.33 326015.02 2200900.45 429202.60
2 nadVu àr{‘¶‘
Renewal Premiums 17509476.00 762800.95 82874.01 17509476.00 845674.96 16651939.73 938464.99
3 EH$b àr{‘¶‘ Am¡a grEOr

Single Premiums & CAG 1318747.63 9333648.48 133.14 1318747.63 9333781.62 1191937.33 8636290.88
Hw$b àr{‘¶‘
TOTAL PREMIUM 21316848.96 10416496.35 88975.25 21316848.96 10505471.60 20044777.51 10003958.47
àr{‘¶‘ Am¶ {b{IV ì¶dgm¶ go

Premium Income from business
written:
1 ^maV ‘|
In India 21284432.25 10416407.15 88438.43 21284432.25 10504845.58 20011371.52 10003217.04
2 ^maV Ho$ ~mha

Outside India 32416.71 89.20 536.82 32416.71 626.02 33405.99 741.43
Hw$b àr{‘¶‘
Total Premium 21316848.96 10416496.35 88975.25 21316848.96 10505471.60 20044777.51 10003958.47
142
142
61 st Annual Report
AZwgyMr - 2 H$‘reZ ì¶¶ 31.03.2018

SCHEDULE - 2 COMMISSION EXPENSES: 31.3.2018
(` bmIm| ‘|)
(` in lakhs)
Non-Linked Business Linked Total (Current Year) Total (Previous Year)
Business
àXÎm H$‘reZ
Commission paid
grYm - àW‘ dfu¶ àr{‘¶‘

Direct - First year premiums 815831.79 7363.81 356.80 815831.79 7720.61 702309.10 7345.58
- nadVu àr{‘¶‘
- Renewal premiums 943081.86 6014.23 2049.64 943081.86 8063.87 906063.33 7513.82
- EH$b àr{‘¶‘
- Single premiums 16338.51 36116.16 0.00 16338.51 36116.16 12952.30 27010.59
- AÝ¶ H${‘eZ
- Other Commission 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Omo‹S>o : ñdrH¥$V nwZ~u‘ na H$‘reZ
Add : Commission on Re-insurance Accepted 0.00 0.00 0.00 0.00 0.00 0.00 0.00
KQ>mE§ : A§V[aV nwZ~u‘ na H$‘reZ

Less: Commission on Re-insurance Ceded 4346.06 124.87 0.00 4346.06 124.87 3906.67 281.39
ewÕ H$‘reZ
Net Commission 1770906.10 49369.33 2406.44 1770906.10 51775.77 1617418.06 41588.60
{b{IV ì¶dgm¶ na H$‘reZ

Commission on business written:
^maV ‘|
In India 1768760.40 49368.02 2406.44 1768760.40 51774.46 1615432.76 41585.52
^maV Ho$ ~mha

Outside India 2145.70 1.31 0.00 2145.70 1.31 1985.30 3.08
ewÕ H$‘reZ
Net Commission 1770906.10 49369.33 2406.44 1770906.10 51775.77 1617418.06 41588.60
ì¶dgm¶ àmá H$aZo Ho$ {bE {H$¶o J¶o gH$b ì¶¶ H$m {dKQ>Z :
Break up of the expenses (Gross) incurred to procure
business :
EO§Q>
Agents 1766309.36 47895.54 2384.27 1766309.36 50279.81 1615332.42 40508.09
~«moH$a
Brokers 175.92 50.21 1.34 175.92 51.55 204.90 36.05
{ZJ{‘V EOoÝgr
Corporate Agency 1533.54 42.12 2.47 1533.54 44.59 1558.89 55.70
[a’$ab
Referral 0.00 0.00 0.00 0.00 0.00 0.00 0.00
AÝ¶ : ~¢H$
Others: Banks 7220.89 1493.59 18.34 7220.89 1511.93 4223.60 1267.89
AmB©.E‘.E’$
IMF 12.45 12.74 0.02 12.45 12.76 4.92 2.26
Hw$b
Total 1775252.16 49494.20 2406.44 1775252.16 51900.64 1621324.73 41869.99
143
AZwgyMr - 3 ~r‘m ì¶dgm¶ go gå~pÝYV n[aMmbZ ì¶¶ : 31.03.2018

SCHEDULE - 3 OPERATING EXPENSES RELATED TO INSURANCE BUSINESS: 31.3.2018
(` bmIm| ‘|)
(` in lakhs)
Non-Linked Business Linked Business Total (Current Year) Total (Previous Year)
Participating Non-Participating Non-Participating Participating Non-Participating Participating Non-Participating
1 H$‘©Mm[a¶m| H$m nm[al{‘H$ VWm H$ë¶mU bm^
Employees' remuneration & 1986858.73 104223.87 17115.05 1986858.73 121338.92 1957003.42 105933.46
welfare benefits
2 ¶mÌm, gdmar Ed§ dmhZ MmbZ ì¶¶

Travel, conveyance and vehicle running expenses 27601.08 1343.51 217.09 27601.08 1560.60 24689.92 1520.92
3 à{ejU ì¶¶
Training Expenses 2699.85 106.82 21.56 2699.85 128.38 3229.12 158.22
4 {H$am¶m, T>a| Ed§ H$a

Rents, rates & taxes 44721.33 2047.88 436.90 44721.33 2484.78 44903.58 2606.42
5 ‘aå‘V
Repairs 9058.90 279.08 88.26 9058.90 367.34 10822.12 451.85
6 ‘wÐU Ed§ boIm gm‘J«r

Printing & Stationery 12416.24 399.24 120.70 12416.24 519.94 12244.04 562.02
7 g§Mma ì¶¶
Communication expenses 25561.10 1157.85 250.64 25561.10 1408.49 28768.89 1627.23
8 {d{YH$ Ed§ ì¶mdgm{¶H$ à^ma

Legal & professional charges 1235.42 38.60 10.05 1235.42 48.65 1315.08 59.37
9 {M{H$Ëgm ewëH$
Medical Fees 4738.06 1082.71 6.89 4738.06 1089.60 5547.10 1200.33
10 boIm narjH$ ewëH$, ì¶¶ Am{X

Auditors' fees, expenses etc.
(H$) boIm narjH$ Ho$ ê$n ‘|

(a) as auditor 430.63 12.56 6.48 430.63 19.04 451.42 19.67
(I) gbmhH$ma Ho$ én ‘| ¶m {ZåZ g§~§Y ‘| {H$gr ^r

j‘Vm ‘|
(b) as adviser or in any other capacity in respect of
(i) H$amYmZ ‘m‘bo
(i) Taxation matters 2.48 0.00 0.00 2.48 0.00 0.25 0.00
(ii) ~r‘m ‘m‘bo
(ii) Insurance matters 0.00 0.00 0.00 0.00 0.00 3.38 0.00
(iii) à~§YZ godmE§, VWm
(iii) Management services; and 0.00 0.00 0.00 0.00 0.00 0.00 0.00
J) {H$gr ^r AÝ¶ j‘Vm ‘|
c) in any other capacity 0.00 0.00 0.00 0.00 0.00 0.80 0.00
11 {dkmnZ Ed§ àMma

Advertisement and publicity 47395.45 3136.48 20.05 47395.45 3156.53 55564.35 2988.98
12 ã¶mO Ed§ ~¢H$ à^ma

Interest & bank Charges 4237.95 125.82 238.24 4237.95 364.06 4299.88 402.05
144
144
61 st Annual Report
AZwgyMr - 3 (Omar)
SCHEDULE - 3 (Contd.)
(` bmIm| ‘|)
(` in lakhs)
Non-Linked Business Linked Business Total (Current Year) Total (Previous Year)
Participating Non-Participating Non-Participating Participating Non-Participating Participating Non-Participating
13 AÝ¶
Others
1 ^yÎmo Am¡a H$‘reZ
(~r‘m EO§Q>mo Ho$ H$‘reZ Ho$ Abmdm)
Allowances and commission (other than
commission to insurance agents) 264511.74 8373.12 1854.07 264511.74 10227.19 199246.20 7749.23
2 {Zdoe gån{Îm na ì¶¶
Expense on Investment Property 12962.30 97.63 0.00 12962.30 97.63 13496.27 95.05
3 nm°{bgr ñQ>°ån
Policy stamps 18584.21 2489.39 15.90 18584.21 2505.29 17266.85 2171.57
4 nmdVr ñQ>°ån
Receipt stamps 1026.15 28.11 10.01 1026.15 38.12 957.77 37.36
5 [~Obr à^ma
Electricity charges 24305.92 742.48 236.64 24305.92 979.12 24706.25 1102.75
6 ‘mJ©ñW amoH$‹S> VWm AÝ¶ ~r‘m àr{‘¶‘
Cash in transit and other insurance premia 379.44 19.99 3.89 379.44 23.88 264.20 30.76
7 {d{dY ì¶¶
Miscellaneous expenses 40166.37 2038.25 999.99 40166.37 3038.24 33701.83 3385.10
8 ‘w»¶ H$m¶m©b¶ ì¶¶
Head Office expenses 0.00 0.00 0.00 0.00 0.00 0.00 0.00
14 ‘yë¶èhmg
Depreciation 28771.22 1133.22 279.13 28771.22 1412.35 30964.95 1636.36
15 àr{‘¶‘ BË¶mXr na godm H$a/Or Eg Qr

Service Tax/GST on Premium Etc 282307.12 23459.70 0.00 282307.12 23459.70 271203.49 20075.79
Hw$b
TOTAL 2839971.69 152336.31 21931.54 2839971.69 174267.85 2740651.16 153814.49
n[aMmbZ ì¶¶
OPERATING EXPENSES
^maV ‘|
In India 2836157.65 152332.90 21931.53 2836157.65 174264.43 2736958.52 153802.91
^maV Ho$ ~mha

Outside India 3814.04 3.41 0.01 3814.04 3.42 3692.64 11.58
Hw$b n[aMmbZ ì¶¶

TOTAL OPERATING EXPENSES 2839971.69 152336.31 21931.54 2839971.69 174267.85 2740651.16 153814.49
145
AZwgyMr - 4 AXm {H$¶m J¶m bm^ (ewÕ) : 31.03.2018

SCHEDULE - 4 BENEFITS PAID (NET): 31.3.2018
(` bmIm| ‘|)
(` in lakhs)
{ddaU J¡a-g§~Õ ì¶dgm¶ g§~Õ ì¶dgm¶ Hw$b (Mmby df©) Hw$b ({nN>bo df©)
Particulars Non-Linked Business Linked Total (Current Year) Total (Previous Year)
Business
1 ~r‘m Xmd|
Insurance Claims
(H$) ‘¥Ë¶w Xmd|
(a) Claims by Death 1041925.32 369116.00 22379.92 1041925.32 391495.92 1006348.12 336468.84
(I) n[an¹$Vm Xmd|
(b) Claims by Maturity 9731413.77 1788953.31 607571.85 9731413.77 2396525.16 8416083.88 1715501.79
(J) dm{f©{H$¶m±/noÝeZ ^wJVmZ
(c) Annuities/Pensions payment 324151.24 552294.05 0.00 324151.24 552294.05 289187.75 399081.60
(K) AÝ¶ bm^
(d) Other benefits
(i) Aä¶n©U
Surrenders 1430313.27 2928695.53 808782.11 1430313.27 3737477.64 1179589.29 3312866.28
(ii) ZH$X ~moZg
Bonuses in cash 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(iii) AñnVmb ^Vu bm^
Hospitalisation Benefits 0.00 793.55 201.76 0.00 995.31 0.00 1089.74
(iv) ~‹S>o eë¶ bm^
Major Surgical Benefits 0.00 1009.85 687.76 0.00 1697.61 0.00 1935.68
(v) Amdmgr¶ CnMma bm^
Domicilliary Treatment Benefits 0.00 0.00 1202.82 0.00 1202.82 0.00 1033.77
(vi) {XZ XoI^mb bm^
Day Care Benefits 0.00 212.00 0.00 0.00 212.00 0.00 210.04
(vii) AÝ¶ Xmdm bmJV
Other Claims Cost 36113.11 13201.76 12785.33 36113.11 25987.09 9764.61 18526.26
2 (nwZ~u‘m ‘| A§V[aV am{e):
(Amount ceded in reinsurance):
(H$) ‘¥Ë¶w Xmd|
(a) Claims by Death (3473.00) (10475.41) 0.00 (3473.00) (10475.41) (3795.59) (13142.34)
(I) n[an³dVm Xmd|
(J) dm{f©{H$¶m±/noÝe ^wJVmZ
(c) Annuities/Pensions payment 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(K)AÝ¶ bm^
(d) Other benefits 0.00 (686.18) (665.76) 0.00 (1351.94) 0.00 (1271.77)
3 nwZ~u‘m ‘| ñdrH¥$V am{e:
Amount accepted in reinsurance:
(H$) ‘¥Ë¶y Xmd|
(a) Claims by Death 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(I) n[an¹$Vm Xmd|
(J) dm{f©{H$¶m|/noÝeZ ^wJVmZ
(c) Annuities/Pensions in payment 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(K) AÝ¶ bm^
(d) Other benefits 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Hw$b
TOTAL 12560443.71 5643114.46 1452945.79 12560443.71 7096060.25 10897178.06 5772299.89
XmdoXmam| H$mo AXm {H$¶m J¶m bm^:
Benefits paid to claimants:
1 ^maV ‘|
In India 12527605.93 5643046.09 1452446.74 12527605.93 7095492.83 10866747.68 5771828.90
2 ^maV Ho$ ~mha$
Outside India 32837.78 68.37 499.05 32837.78 567.42 30430.38 470.99
Hw$b AXm {H$¶m J¶m bm^ (ewÕ)
Total Benefits paid (Net) 12560443.71 5643114.46 1452945.79 12560443.71 7096060.25 10897178.06 5772299.89
146
146
61 st Annual Report
AZwgyMr - 5 eo¶a ny±Or : 31.03.2018

SCHEDULE - 5 SHARE CAPITAL: 31.3.2018
(` bmIm| ‘|)
(` in lakhs)
{ddaU J¡a-g§~Õ ì¶dgm¶ g§~Õ ì¶dgm¶ Hw$b Mmby df© Hw$b {nN>bo df©
Particulars Non-linked Linked Total Total
Business Business Current Year Previous Year
A{^XÎm ny±Or 10000.00 0.00 10000.00 10000.00
(OrdZ ~r‘m {ZJ‘ A{Y{Z¶‘, 1956 Ho$ IÊS>

5 Ho$ VhV Ho$ÝÐr¶ gaH$ma Ûmam àXÎm)
Paid up Equity Capital
(Provided by the Central Government in terms of
Section 5 of the Life Insurance Corporation Act,1956)
Hw$b 10000.00 0.00 10000.00 10000.00

Total
^maV ‘| 10000.00 0.00 10000.00 10000.00

In India
^maV Ho$ ~mha 0.00 0.00 0.00 0.00

Out of India
Hw$b 10000.00 0.00 10000.00 10000.00

Total
147
AZwgyMr - 6 Ama{jV {Z{Y Ed§ A{Yeof (eo¶aYmaH$m| Ho$) 31.03.2018

SCHEDULE 6 RESERVES & SURPLUS (SHAREHOLDERS): 31.3.2018
(` bmIm| ‘|)
(` in lakhs)
Business Business Current Year PreviousYear
1 ny±Or Ama{jV {Z{Y

Capital Reserve 0.00 0.00 0.00 0.00
2 ny±Or ‘moMZ Ama{jV {Z{Y

Capital Redemption Reserve 0.00 0.00 0.00 0.00
3 eo¶a àr{‘¶‘
Share Premium 0.00 0.00 0.00 0.00
4 nwZ‘w©ë¶m§H$Z Ama{jV {Z{Y

Revaluation Reserve
àma§{^H$ eof
Opening Balance 0.00 0.00 0.00 0.00
df© Ho$ Xm¡amZ ¶moJ
Additions during the year 0.00 0.00 0.00 0.00
df© Ho$ Xm¡amZ H$Q>m¡{V¶m±
Deductions during the year 0.00 0.00 0.00 0.00
BV eof
Closing Balance 0.00 0.00 0.00 0.00
5 gm‘mÝ¶ Ama{jV {Z{Y
General Reserves
àma§{^H$ eof
Opening Balance 50294.88 0.00 50294.88 47154.16
BV eof
Closing Balance 52753.16 0.00 52753.16 50294.88
KQ>mE§ : bm^ hm{Z boIo ‘o Zm‘o A{Yeof. ¶{X H$moB© hmo
Less : Debit balance in Profit and Loss 0.00 0.00 0.00 0.00
Account, if any
KQ>mE§ : nwZ©IarX Ho$ {bE à¶wº$ am{e
Less: Amount utilized for Buy-back 0.00 0.00 0.00 0.00
6 AmnmVH$mbrZ Ama{jV {Z{Y

Catastrophe Reserve 0.00 0.00 0.00 0.00
7 AÝ¶ Ama{jV {Z{Y : {d{Z‘¶ CVma MT>md Ama{jV {Z{Y

Other Reserves:Exchange Fluctuation Reserve (75.41) 0.00 (75.41) (115.24)
8 bm^-hm{Z boIo ‘| eof bm^

Balance of profit in Profit and Loss 0.00 0.00 0.00 0.00
Account
Hw$b
Total 52677.75 0.00 52677.75 50179.64
^maV ‘|
In India 27202.82 0.00 27202.82 26286.86
^maV Ho$ ~mha
Out of India 25474.93 0.00 25474.93 23892.78
Hw$b Total 52677.75 0.00 52677.75 50179.64
148
148
61 st Annual Report
AZwgyMr - 6 H$ ~r‘m Ama{jV {Z{Y (nm°{b{gYmaH$mo§ Ho$) : 31.03.2018

SCHEDULE 6A INSURANCE RESERVES (POLICYHOLDERS): 31.3.2018
(` bmIm| ‘|)
(` in lakhs)
Capital Reserve 0.00 0.00 0.00 0.00
Capital Redemption Reserve 0.00 0.00 0.00 0.00
3 eo¶a àr{‘¶‘
Share Premium 0.00 0.00 0.00 0.00
4 nwZ‘w©ë¶m§H$Z Ama{jV {Z{Y
Revaluation Reserve
àma§{^H$ eof
Opening Balance 934316.48 0.00 934316.48 809420.56
BV eof
Closing Balance 933401.70 0.00 933401.70 934316.48
General Reserves
àma§{^H$ eof
Opening Balance 41.74 0.00 41.74 41.74
BV eof
Closing Balance 41.74 0.00 41.74 41.74
KQ>mE§ : bm^ hm{Z boIo ‘o Zm‘o A{Yeof. ¶{X H$moB© hmo
Less : Debit balance in Profit and Loss Account, if any 0.00 0.00 0.00 0.00
KQ>mE§ : nwZ©IarX Ho$ {bE à¶wº$ am{e
Less: Amount utilized for Buy-back 0.00 0.00 0.00 0.00
6 g‘H$aU Ama{jV {Z{Y
Equalisation Reserve
àma§{^H$ eof
Opening Balance 0.00 0.00 0.00 0.00
BV eof
Closing Balance 0.00 0.00 0.00 0.00
7 AmnmVH$mbrZ Ama{jV {Z{Y 0.00 0.00 0.00 0.00
Catastrophe Reserve
8 AÝ¶ Ama{jV {Z{Y
Other Reserves
{Zdoe Ama{jV {Z{Y 0.00 0.00 0.00 0.00
(i) Investment Reserve
{d{Z‘¶ CVma MT>md Ama{jV {Z{Y 36333.98 19.87 36353.85 30320.29
(ii) Exchange Fluctuation Reserve
9 bm^-hm{Z boI| ‘| eof bm^ 0.00 0.00 0.00 0.00
Balance of profit in Profit and Loss
Account
Hw$b Total 969777.42 19.87 969797.29 964678.51
^maV ‘| In India 941003.92 0.00 941003.92 936003.78
^maV Ho$ ~mha Out of India 28773.50 19.87 28793.37 28674.73
Hw$b Total 969777.42 19.87 969797.29 964678.51
149
AZwgyMr - 7 CYmar : 31.03.2018

SCHEDULE - 7 BORROWINGS : 31.3.2018
(` bmIm| ‘|)
(` in lakhs)
1 F$U nÌ / ~ÝY nÌ
Debentures/Bonds 0.00 0.00 0.00 0.00
2 ~¢H$
Banks 0.00 0.00 0.00 0.00
3 {dÎmr¶ g§ñWmZ
Financial Institutions 0.00 0.00 0.00 0.00
4 AÝ¶
Others 0.00 0.00 0.00 0.00
Hw$b
TOTAL 0.00 0.00 0.00 0.00
^maV ‘|
In India 0.00 0.00 0.00 0.00
^maV Ho$ ~mha
Outside India 0.00 0.00 0.00 0.00
Hw$b
TOTAL 0.00 0.00 0.00 0.00
150
150
61 st Annual Report
AZwgyMr - 8 {Zdoe (eo¶aYmaH$m| Ho$) : 31.03.2018

SCHEDULE - 8 INVESTMENTS - SHAREHOLDERS: 31.3.2018
(` bmIm| ‘|)
(` in lakhs)
XrK©d{Y {Zdoe
LONG TERM INVESTMENTS
1 IOmZo H$s {~bmo g{hV gaH$mar à{V^y{V¶m± VWm Jma§{Q>V ~ÝY nÌ

Government securities and Government 23283.57 0.00 23283.57 22697.70
guaranteed bonds including Treasury Bills
2 AÝ¶ AZw‘mo{XH$V à{V^y{V¶m±

Other Approved Securities 0.00 0.00 0.00 0.00
3 AÝ¶ {Zdoe
Other Investments
(H$) eo¶a
(a) Shares
(H$H$) B{¹$Q>r
(aa) Equity 3877.82 0.00 3877.82 3717.19
(II) A{Y‘mZr
(bb) Preference 0.00 0.00 0.00 0.00
(I) gh¶moJ {Z{Y

(b) Mutual Funds 0.00 0.00 0.00 0.00
(J) ì¶wáÞ ànÌ

(c) Derivative Instruments 0.00 0.00 0.00 0.00
(K) F$U-nÌ/~ÝY-nÌ
(d) Debentures/Bonds 2473.51 0.00 2473.51 2037.78
(S>) AÝ¶ à{V^y{V¶m± : ¶y Q>r AmB© && H¡${nQ>b ‘| àma§{^H$ A§eXmZ

(e) Other Securities :Initial Contribution to UTI II Capital 186.71 0.00 186.71 186.71
(M) ghm¶H$/gh^mJr/g§¶wº$ CÚ‘

(f) Subsidiaries/Associates/Joint Ventures 28758.14 0.00 28758.14 28758.14
(N>) {Zdoe g§n{Îm¶m± - g§nXm

(g) Investment Properties - Real Estate 0.00 0.00 0.00 0.00
4 ~w{Z¶mXr gw{dYmAm| VWm gm‘m{OH$ joÌ ‘| {Zdoe

Investments in Infrastructure and Social Sector 0.00 0.00 0.00 0.00
5 AZw‘mo{XV {Zdoemo Ho$ A{V[aº$ AÝ¶ {Zdoe

Other than Approved Investments 0.00 0.00 0.00 0.00
Aënmd{Y {Zdoe
SHORT TERM INVESTMENTS
1 IOmZo H$s {~bm| g{hV gaH$mar à{V^y{V¶m± VWm Jma§{Q>V ~ÝY-nÌ

2 AÝ¶ AZw‘mo{XV à{V^y{V¶m± Other Approved Securities 0.00 0.00 0.00 0.00
151
AZwgyMr - 8 {Zdoe (Omar)

SCHEDULE 8 31.03.2018 (Contd.)
(` bmIm| ‘|)
(` in lakhs)
3 AÝ¶ {Zdoe/ Other Investments
(H$) eo¶a
(a) Shares
(H$ H$) B{¹$Q>r
(aa) Equity 0.00 0.00 0.00 0.00
(I I) A{Y‘mZr
(bb) Preference 0.00 0.00 0.00 0.00
(I) gh¶moJ {Z{Y
(b) Mutual Funds 0.00 0.00 0.00 0.00
(J) ì¶wáÞ ànÌ)
(K) F$U-nÌ/~ÝY nÌ
(S>) AÝ¶ à{V^y{V¶m±
(e) Other Securities 0.00 0.00 0.00 0.00
(M) ghm¶H$
(f) Subsidiaries 0.00 0.00 0.00 0.00
(g) Investment properties - Real Estate 0.00 0.00 0.00 0.00
4 ~w{Z¶mXr gw{dYm¶m| VWm gm‘m{OH$ joÌ ‘| {Zdoe
5 AZw‘mo{XV {Zdoem| Ho A{V[aº$ AÝ¶ {Zdoe
Hw$b Total 58579.75 0.00 58579.75 57397.52

{Zdoe (eo¶aYmaH$mo Ho$)
INVESTMENTS
1 ^maV ‘|
In India 20867.65 0.00 20867.65 20878.98
2 ^maV Ho$ ~mha
Outside India 37712.10 0.00 37712.10 36518.54
Hw$b Total 58579.75 0.00 58579.75 57397.52
{Q>ßnUr : ghm¶H$ / gh^mJr / g§¶wº$ CnH«$‘ ‘| {Zdoe (` bmIm| ‘|) NOTE: Investments in Subsidiaries/Associates/JV : (` in lakhs)
Or.~r.{Z. noÝeZ ’§$S> {b{‘Q>oS> 3000.00 LIC Pension Fund Ltd 3000.00
Or.~r.{Z. H$mS>© g{d©gog {b{‘Q>oS> 100.00 LIC Card Services Ltd 100.00
Or.~r.{Z. (A§Vaamï´>r¶) ~r.Eg.gr. (gr.) ~harZ 5929.27 Life Insurance Corporation (International) B.S.C ( c ) , Baharian 5929.27
Ho$ZB§{S>¶m Eí¶moaoÝg H§$nZr {b{‘Q>oS> 78.15 Kennindia Assurance Co. Ltd. 78.15
Or.~r.{Z. (Zonmb) {b{‘Q>oS> 1239.69 LIC (Nepal) Ltd. 1239.69
Or.~r.{Z. (b§H$m) {b{‘Q>oS> 1688.46 LIC (Lanka) Ltd 1688.46
ghH$mar ~r‘m Ho$ {bE gD$Xr ^maVr¶ H§$nZr 1204.40 Saudi Indian Company for Cooperative Insurance 1204.40
Or.~r.{Z. (qgJmnya) nr.Q>r.B©. {b{‘Q>oS> 11139.87 LIC Insurance Corporation (Singapore) Pte Ltd 11139.87
Or.~r.{Z. (~§JbmXoe) {b{‘Q>oS> 4378.30 LIC (Bangladesh) Ltd. 4378.30
Hw$b TOTAL 28758.14 TOTAL 28758.14
{Q>ßnUr : 31.03.2018 H$mo gH$b gyMr~Õ B{¹$Q>r à{V^y{V¶mo# Ho$ Abmdm AÝ¶ ‘| EbAmB©grHo$ {Zdoe H$s NOTE: Aggregate amount of LIC's investment in other than listed equity securities#
and the market value thereof as at 31.3.2018
am{e Am¡a CgH$m ~mOma ‘wë¶
(` bmIm| ‘|) (` in lakhs)
gyMr~Õ B{¹$Q>r Ho$ Abmdm AÝ¶ H$m ~hr ‘yë¶ 3286.71 Book value of other than listed equity 3286.71
gyMr~Õ B{¹$Q>r Ho$ Abmdm AÝ¶ H$m ~mOma ‘yë¶* 3286.71 Market value of other than listed equity* 3286.71
# H$manmoaoQ> ‘§Ìmb¶ H$s gmBQ> na CnbãY pñWVr Ho$ AmYma na # based on status available on Ministry of Corporate Affairs site.
* Book value less provision for diminution
* H$‘r Ho$ {bE ~wH$ d¡ë¶y H$‘ àmdYmZ
152
152
61 st Annual Report
AZwgyMr - 8H$ {Zdoe (nm°{b{gYmaH$m| Ho$) : 31.03.2018

SCHEDULE - 8A INVESTMENTS - POLICYHOLDERS: 31.3.2018
(` bmIm| ‘|)
(` in lakhs)
XrKm©d{Y {Zdoe


3 (H$) eo¶a
(a) Shares
(H$H$) B{ŠdQr
(aa) Equity 45863876.03 0.00 45863876.03 39975105.00
(I I) A{Y‘mZr
(bb) Preference 58680.97 0.00 58680.97 3925.79
(I) gh¶moJ {Z{Y
(b) Mutual Funds 24798.60 0.00 24798.60 171036.24
(J) ì¶wáÞ ànÌ

(S>) AÝ¶ à{V^y{V¶m± :

(e) Other Securities
^maV gaH$ma Ho$ gmW {deof O‘m
Special Deposit with Government of India 0.00 0.00 0.00 0.00
gm‘m{OH$ gwajm {Z{Y Ho$ gmW O‘m
Deposits with Social Security Fund 0.00 0.00 0.00 0.00
AÝ¶ à{V^y{V¶m± VWm ~ÝY-nÌ
Other Securities & Bonds 24239.23 0.00 24239.23 21430.82
¶y Q>r AmB© II H¡${nQ>b ‘| àma§{^H$ A§eXmZ
Initial Contribution to UTI II Capital 22883.39 0.00 22883.39 22883.39
(M) ghm¶H$/gh^mJr/g§¶wº$ CÚ‘

(f) Subsidiaries/Associates/Joint Ventures 111922.02 0.00 111922.02 107922.01


6 g§{X½K {Zdooem| Ho$ {bE àmdYmZ

Provision for Doubtful Investments (675247.83) 0.00 (675247.83) (526415.06)
Aënmd{Y {Zdoe

2 AÝ¶ AZw‘mo{XV à{V^y{V¶m±

153
AZwgyMr - 8H$ {Zdoe (Omar)

SCHEDULE 8A- 31.03.2018 (Contd.)
(` bmIm| ‘|)
(` in lakhs)
3 (H$) eo¶a
(a) Shares
(H$H$) B{ŠdQr
(aa) Equity 0.00 0.00 0.00 0.00
(I I) A{Y‘mZr
(bb) Preference 0.00 0.00 0.00 0.00
(I) gh¶moJ {Z{Y
(b) Mutual Funds 107868.13 0.00 107868.13 1263754.37
(e) Other Securities
Commercial Papers 0.00 0.00 0.00 0.00
(M) ghm¶H$
(f) Subsidiaries 0.00 0.00 0.00 0.00
(N) {Zdoe gån{Îm¶m±-g§nXm
(g) Investments Properties- Real Estate 0.00 0.00 0.00 0.00


6 g§{X½Y VWm Cn‘mZH$ n[agån{Îm¶m| Ho$ {bE àmdYmZ

Provision for Doubtful and substandard assets (413566.85) 0.00 (413566.85) (195471.54)
Hw$b Total 251554956.71 0.00 251554956.71 223203600.66
INVESTMENTS
1 ^maV ‘|
In India 251262194.89 0.00 251262194.89 222939345.46
2 ^maV Ho$ ~mha

Outside India 292761.82 0.00 292761.82 264255.20
TOTAL 251554956.71 0.00 251554956.71 223203600.66
{Q>ßnUr : ghm¶H$ / gh^mJr / g§¶wº$ CnH«$‘ ‘| {Zdoe (` bmIm| ‘|) NOTE: Investments in Subsidiaries/Associates/JV : (` in lakhs)
Or.~r.{Z. å¶wÀ¶wAb ’§$S> E E‘ gr 495.00 LIC Nomura Mutual Fund AMC Ltd. 495.00
Or.~r.{Z.J¥h {dÎm {b. 98599.11 LIC Housing Finance Ltd 98599.11
Or.~r.{Z. å¶wÀ¶wAb ’§$S> àma§{^H$ ¶moJXmZ 200.00 LIC Mutual Fund Initial Contribution. 200.00
Or.~r.{Z. å¶wÀ¶wAb ’§$S> Q´>ñQ>r H§$. àm. {b. 0.49 LIC Mutual Fund Trustee Co Pvt Ltd 0.49
Or.~r.{Z. EME’$Eb EogoQ> ‘¡ZoO‘¢Q> H§$. {b. 49.44 LIC HFL Asset Management Co.Ltd 49.44
Or.~r.{Z. (A§Vaamï´>r¶) ~r.Egr.gr. (gr.) ~h[aZ 5577.97 LIC (International)B.S.C.( c) , Bahrain 5577.97
B§{S>¶m BÝ’«$mS>oãQ> {b. 7000.00 India Infradebt 7000.00
Hw$b TOTAL 111922.01 TOTAL 111922.01
NOTE: Aggregate amount of LIC's investment in other than listed equity

{Q>ßnUr : 31.03.2018 H$mo gH$b gyMr~Õ B{¹$Q>r à{V^y{V¶mo# Ho$ Abmdm AÝ¶ ‘| securities# and the marketvalue thereof as at 31.3.2018
EbAmB©grHo$ {Zdoe H$s am{e Am¡a CgH$m ~mOma ‘wë¶
(` in lakhs)
(` bmIm| ‘|) Book value of other than listed equity 281815.71
gyMr~Õ B{¹$Q>r Ho$ Abmdm AÝ¶ H$m ~hr ‘yë¶ 281815.71 Market value of other than listed equity* 237057.36
gyMr~Õ B{¹$Q>r Ho$ Abmdm AÝ¶ H$m ~mOma ‘yë¶ 237057.36 # based on status available on Ministry of Corporate Affairs site.
* Book value less provision for diminution
# H$manmoaoQ> ‘§Ìmb¶ H$s gmBQ> na CnbãY pñWVr Ho$ AmYma na
* H$‘r Ho$ {bE ~wH$ d¡ë¶y H$‘ àmdYmZ
154
154
61 st Annual Report
AZwgyMr - 8I g§~Õ Xm{¶Ëd a{jV H$aZo Ho$ {bE n[ag§n{Îm¶m± : 31.03.2018

SCHEDULE - 8B ASSETS HELD TO COVER LINKED LIABILITIES : 31.3.2018
(` bmIm| ‘|)
(` in lakhs)
XrKm©d{Y {Zdoe

Government securities and Government
guaranteed bonds including Treasury Bills 0.00 2921876.58 2921876.58 2769682.88

3 (H$) eo¶a
(a) Shares
(H$H$) B{ŠdQr
(aa) Equity 0.00 2946434.88 2946434.88 3930683.76
(II) A{Y‘mZr
(bb) Preference 0.00 4853.71 4853.71 0.00
(I) gh¶moJ {Z{Y

(b) Mutual Funds 0.00 0.00 0.00 0.00
(J) ì¶wáÞ ànÌ

(S>) AÝ¶ à{V^y{V¶m± :

(M>) ghm¶H$
(f) Subsidiaries 0.00 0.00 0.00 0.00



Aënmd{Y {Zdoe


155
AZwgyMr - 8I$ (Omar)

SCHEDULE 8B - 31.03.2018 (Contd.)
(` bmIm| ‘|)
(` in lakhs)
3 (H$) eo¶a
(a) Shares
(H$H$) B{¹$Q>r
(aa) Equity 0.00 0.00 0.00 0.00
(II) A{Y‘mZr
(bb) Preference 0.00 0.00 0.00 0.00
(I) gh¶moJ {Z{Y
(b) Mutual Funds 0.00 560431.09 560431.09 265828.15
(M) ghm¶H$
(f) Subsidiaries 0.00 0.00 0.00 0.00
(N) {Zdoe gån{Îm¶m±-g§nXm
(g) Investments Properties- Real Estate 0.00 0.00 0.00 0.00
Other than Approved Investments 0.00 -0.01 -0.01 0.00
Mmby nagån{Îm¶m±
Current Assets
6 amoH$‹S> Ed§ ~¢H$ ‘| A{Veof
Cash & Bank Balance
amoH$‹S> Cash 0.00 160.30 160.30 966.81
~¢H$ ‘| A{Veof
Bank Balance (Deposits)
(H$) O‘m (a) Deposits
(H$H$) Aënmd{Y
(aa) Short term 0.00 0.00 0.00 0.00
(I I) AÝ¶
(bb) Others 0.00 0.00 0.00 0.00
(I) Mmby ImVm
(b) Current Accounts 0.00 1142.67 1142.67 332.79
(J) AÝ¶
(c) Others 0.00 0.00 0.00 0.00
7 A{J«‘ Advances
AXm {H$¶m J¶m A{J«‘ H$a Ed§ YtV na H$a H$Q>m¡Vr
Advance tax paid and tax deducted at source 0.00 0.00 0.00 0.00
AÝ¶ A{J«‘
Other Advances 0.00 12339.36 12339.36 33878.59
{Zdoemona ~H$m¶m / àmoX^yV Am¶
Income outstanding/accrued on investments 0.00 76914.31 76914.31 170086.95
Hw$b (H$) - Mmby n[agån{Îm¶m±
Total (A)- Current Assets 0.00 90556.64 90556.64 205265.14
156
156
61 st Annual Report
AZwgyMr - 8I$ (Omar)

SCHEDULE 8B - 31.03.2018 (Contd.)
(` bmIm| ‘|)
(` in lakhs)
8 Mmby Xm{¶Ëd
Current Liabilities
’w$Q>H$a boZXoZ
Sundry Creditors 0.00 5233.33 5233.33 8241.40
Mmby Xm{¶Ëd
Total (B)- Current Liabilities 0.00 5233.33 5233.33 8241.40
ewÕ Mmby n[agån{Îm¶m± (H$-I)
Net current assets (A-B) 0.00 85323.31 85323.31 197023.74
Hw$b TOTAL 0.00 8813358.33 8813358.33 10302075.29

INVESTMENTS
1 ^maV ‘|
In India 0.00 8808227.66 8808227.66 10297326.80
2 ^maV Ho$ ~mha

Outside India 0.00 5130.67 5130.67 4748.49
TOTAL 0.00 8813358.33 8813358.33 10302075.29
{Q>ßnUr * Añdm{‘H$ {Z{Y ` 11771.08 (` bmIm| ‘|) Ho$ g{hV

NOTE: * Inclusive of Rs.11771.08/- (` in Lakhs) pertaining to Discontinued Fund.
{Q>ßnUr 31.3.2018 H$mo gH$b gyMr~Õ B{¹$Q>r à{V^y{V¶m| Ho$ Abmdm AÝ¶ ‘| EbAmB©gr Ho$
NOTE:
{Zdoe H$s am{e Am¡a CgH$m ~mOma ‘wë¶
Aggregate amount of LIC’s investment in other than listed equity securities#
and the market value thereof as at 31.03.2018:
(` bmIm| ‘|)
(` in lakhs)
gyMr~Õ B{¹$Q>r Abmdm AÝ¶ H$m dhr ‘yë¶ 24478.97
Book value of other than listed equity
gyMr~Õ B{¹$Q>r Ho$ Abmdm AÝ¶ H$m ~mOma ‘yë¶* 0.00
Market value of other than listed equity*
# H$manmoaoQ> ‘§Ìmb¶ H$r gmBQ> na CnbãY pñW{V Ho$ AmYma na

# based on status available on Ministry of Corporate Affairs site.
*gyMr~Õ B{¹$Q>r Ho$ Abmdm AÝ¶ H$m ~hr ‘yë¶
*Book value less provision for diminution
157
AZwgyMr - 9 F$U : 31.3.2018

SCHEDULE - 9 LOANS: 31.3.2018
(` bmIm| ‘|)
(` in lakhs)
1 à{V^y{Vdma dJuH$aU
SECURITY - WISE CLASSIFICATION
a{jV Secured
(k) g§n{Îm Ho$ ~§YH$ aIZo na
(a) On mortgage of property
(H$H$) ^maV ‘o
(aa) In India 1891602.52 0.00 1891602.52 2117807.31
(II) ^maV Ho$ ~mha
(bb) Outside India 1859.56 0.00 1859.56 1891.11
(I) eo¶am|, ~§YnÌmo, gaH$mar à{V^y{V¶m± Am{X na
(b) On Shares, Bonds, Govt. Securities, etc. 0.00 0.00 0.00 0.00
(J) nm°{b{g¶m§ na F$U
(c) Loans against Policies 8482446.11 1742.97 8484189.08 7721771.07
(K) AÝ¶
(d) Others
gaH$ma Ûmam Jma§{Q>V
Guaranteed by Government 658407.12 0.00 658407.12 777956.64
{Jadr
Hypothecation 93269.51 0.00 93269.51 98987.89
EEZE’$ A{J«‘
ANF Advances 0.22 0.00 0.22 0.22
AZma{jV F$U
Unsecured Loans 109933.74 0.00 109933.74 199002.93
g§{X½Y F$Um| Ho$ {bE àmdYmZ
Provision for Doubtful Loans (964281.42) 0.00 (964281.42) (688291.81)
Hw$b / Total 10273237.36 1742.97 10274980.33 10229125.36
2 CYmaH$Vm©dma dJuH$aU
BORROWER - WISE CLASSIFICATION
(H$) H|$Ð VWm amÁ¶ gaH$ma
(a) Central and State Governments 395534.68 0.00 395534.68 449677.60
(I) ~¢H$ VWm {dÎmr¶ g§ñWmZ
(b) Banks and Financial Institutions 10.30 0.00 10.30 51785.30
(J) ghm¶H$
(c) Subsidiaries 0.00 0.00 0.00 0.00
(K) H§$n{Z¶m±
(d) Companies 1658632.53 0.00 1658632.53 1813301.52
(S>) nm°{b{g¶mo na F$U
(e) Loans against policies 8482446.11 1742.97 8484189.08 7721771.07
(M) AÝ¶
(f) Others
~§YH$ g§n{Îm
Mortgage Property 37284.91 0.00 37284.91 37028.12
‘hmZJanm{bH$mE±
Municipalities 7962.56 0.00 7962.56 8794.68
amÁ¶ {dÚwV‘§S>b / D$Om© CËnmXH$
State Electricity Boards/ Power Generators 338980.32 0.00 338980.32 438911.47
amÁ¶ g‹S>H$ n[adhZ {ZJ‘
State Road Transport Corporation 0.00 0.00 0.00 6499.74
ghH$mar Am¡Úmo{JH$ g§nXm
Co-operative Industrial Estates 0.00 0.00 0.00 0.00
ghH$mar Amdmg g§ñWmE±
Housing Co-op Societies 38800.59 0.00 38800.59 58552.95
158
158
61 st Annual Report
AZwgyMr - 9 F$U : 31.3.2018 (Omar)

SCHEDULE - 9 LOANS: 31.3.2018 (Contd.)
(` bmIm| ‘|)
(` in lakhs)
qgMZ joÌ / Irrigation Sector 24666.65 0.00 24666.65 40739.96
S>ãë¶y.Eg.~r., Eg.E’$.gr. nr.Q>r.Ama. Amo.Q>r.EM., Eb.S>r.~r.., AmXr
WSB, SFC, PTR,OTH,LDB Etc. 253199.29 0.00 253199.29 290353.92
EEZE’$ A{J«‘/ ANF Advances 0.22 0.00 0.22 0.22
AÝ¶ F$U / Other Loans 0.62 0.00 0.62 0.62
(N>) AemoÜ¶ VWm g§{X½Y F$Um| Ho$ {bE àmdYmZ

(g) Provision for bad and doubtful debts (964281.42) 0.00 (964281.42) (688291.81)
Hw$b Total 10273237.36 1742.97 10274980.33 10229125.36
3 {ZînmXZdma dJuUH$a
PERFORMANCE - WISE CLASSIFICATION
(H$) dJuH¥$V ‘mZH$ F$U
(a) Loans classified as standard
(H$H$) ^maV ‘|
(aa) In India 9959024.94 1742.97 9960767.91 9949891.30
(II) ^maV Ho$ ~mha
(bb) Outside India 17475.91 0.00 17475.91 16543.43
‘mZH$ F$U Ho$ {bE àmdYmZ
Provision for Standard Loans (51009.52) 0.00 (51009.52) (143082.80)
(I) J¡a ‘mZH$ F$U {~Zm àmdYmZ
(b) Non-standard loans less provisions
^maV ‘| / In India
(aa) 1261017.93 0.00 1261017.93 950982.44
^maV Ho$ ~mha /Outside India
(bb) 0.00 0.00 0.00 0.00
J¡a ‘mZH$ F$U Ho$ {bE àmdYmZ
Provision for Non Standard Loans (913271.90) 0.00 (913271.90) (545209.01)
Hw$b Total 10273237.36 1742.97 10274980.33 10229125.36
4 n[adMVmdma dJuH$aU
MATURITY - WISE CLASSIFICIATION
(H$) Aënmd{Y / (a) Short Term
^maV ‘| / In India 208015.48 0.00 208015.48 295857.98
^maV Ho$ ~mha / Out of India 391.96 0.00 391.96 371.38
AënmdYr Ho$ {bE àmdYmZ
Provision for Short Term (183863.79) 0.00 (183863.79) (181530.37)
(I) XrKm©d{Y (b) Long Term

^maV ‘| / In India 11012027.39 1742.97 11013770.36 10605015.76
XrKm©d{X Ho$ {bE àmdYmZ
Provision for Long Term (780417.63) 0.00 (780417.63) (506761.44)
Hw$b Total 10273237.36 1742.97 10274980.33 10229125.36
F$U LOANS
1 ^maV ‘| / In India 10257559.02 1742.97 10259301.99 10214270.04

2 ^maV Ho$ ~mha /Outside India 15678.34 0.00 15678.34 14855.32
Hw$b TOTAL 10273237.36 1742.97 10274980.33 10229125.36
159
AZwgyMr - 10 AMb n[ag§n{Îm¶m± : 31.3.2018

SCHEDULE - 10 FIXED ASSETS: 31.3.2018
J¡a-g§~Õ ì¶dgm¶
{ddaU Particulars bmJV / Hw$b ãbmH$ Gross Block
àma§{^H$ Omo‹S> H$Q>m¡{V¶m± A§{V‘ {nN>bo df© VH$

Opening Additions Deductions Closing Upto Last year
JwS>{db
Goodwill 0.00 0.00 0.00 0.00 0.00
AàË¶j
Intangibles 4991.14 0.00 0.00 4991.14 378.14
^y{‘-nyU© g§nXm
Land-Freehold 12493.09 914.56 3818.37 9589.28 59.31
nQR ^w{‘
Land-Leasehold 8926.56 0.00 9.88 8916.68 710.42
^dZ
Buildings 220291.25 13358.11 216.11 233433.25 56636.84
’$ZuMa Ed§ {’$qQ>J

Furniture & Fittings 44899.99 2645.11 4690.35 42854.75 32596.66
gyMZm àmÜ¶mo{JH$s CnñH$a

Information Technology Equipment 103403.92 17820.51 5874.90 115349.53 92244.73
dmhZ
Vehicles 60578.39 12664.41 3960.18 69282.62 39121.95
H$m¶m©b¶ CnñH$a
Office Equipment 6478.32 208.73 122.80 6564.25 5087.79
AÝ¶/ Others
Q>o{b’$moZ
Telephones 1342.64 86.78 13.13 1416.29 1182.76
’¡$³g/Bnm~o³g
Fax/Epabx 277.40 (0.31) 16.20 260.89 269.91
‘mo~mB©b ’$moZ
Mobile Phones 28.69 4.20 1.12 31.77 25.81
nwñVH$mb¶ H$s nwñVHo$

Library books 68.91 (14.71) (0.50) 54.70 66.64
{d{dY ny±Or CnñH$a

Miscellaneous Capital Equipment 4602.04 522.45 38.96 5085.53 3097.86
X¥î¶lmì¶ VWm AÝ¶ gå~[ÝYV àMma CnñH$a

Audio visual and other allied publicity
equipment 5283.07 1155.26 24.40 6413.93 3388.45
B§{OZr¶[a¨J {d^mJ CnñH$a

Engineering Dept. equipment 6.49 0.00 0.00 6.49 4.50
ìhmobQ>oO ñQ>{~bm¶Pa VWm ¶y.nr.Eg.

Voltage stabilizers and UPS 13048.85 976.81 354.46 13671.20 11565.42
{H$amE Ho$ ^dZmona OZaoQ>a, S>r.Or. goQ>g²

Generators, DG sets in rented premises 185.92 (2.43) 0.97 182.52 133.68
^dZmo H$r ZdrZrH$aU

Modernisation of Premises 0.00 0.00 0.00 0.00 0.00
Hw$b / Total 486906.67 50339.48 19141.33 518104.82 246570.87
àJ{V na H$m¶©
Work in Progress 18243.18 6802.00 7569.13 17476.05 0.00
gH$b Hw$b / Grand Total 505149.85 57141.48 26710.46 535580.87 246570.87
{nN>bo gmb H$m Hw$b

Previous Year 538485.90 34399.85 67735.90 505149.85 227347.02
{Q>ßnUr : *Mmby df© ‘o§ Q>r.S>r.Ama. na 512.56 bmI H$s ‘yë¶ hm{Z H$m boIm§H$Z {H$¶m J¶m
Note:- *Impairment loss of Rs. 512.56 Lakhs on TDR recognised during the current financial year.
160
160
61 st Annual Report
(` bmIm| ‘|)
(` in lakhs)
NON-LINKED BUSINESS g§~Õ ì¶dgm¶
LINKED BUSINESS
‘yë¶èhmg n[aemoYZ Am¡a hm{Z ewÕ ãbmH$ ewÕ ãbmH$ Hw$b ewÕ ~mëH$
Depreciation/Amortisation & Impairment Net Block Net Block Total Net Block
df© Ho$ {bE {dH«$s / g‘m¶moOZ na VmarI VH$ df© Ho$ A§V ‘| df© Ho$ A§V ‘| Mmby df© {nN>bo df©
For The year On Sales/ Adjustment* Up to Date As at year end As at year end Current Year Previous Year
0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 (512.56) 890.70 4100.44 0.00 4100.44 4613.00
0.00 59.31 0.00 9589.28 0.00 9589.28 12433.78
101.74 0.00 812.16 8104.52 0.00 8104.52 8216.14
6359.56 83.99 62912.41 170520.84 0.00 170520.84 163654.41
3706.69 4737.26 31566.09 11288.66 0.00 11288.66 12303.33
9121.19 6575.35 94790.57 20558.96 0.00 20558.96 11159.19
8569.39 4536.20 43155.14 26127.48 0.00 26127.48 21456.44
392.51 150.20 5330.10 1234.15 0.00 1234.15 1390.53
31.48 9.85 1204.39 211.90 0.00 211.90 159.88
1.99 16.48 255.42 5.47 0.00 5.47 7.49
1.93 0.94 26.80 4.97 0.00 4.97 2.88
0.91 14.95 52.60 2.10 0.00 2.10 2.27
283.41 25.56 3355.71 1729.82 0.00 1729.82 1504.18
724.60 16.78 4096.27 2317.66 0.00 2317.66 1894.62
0.51 0.00 5.01 1.48 0.00 1.48 1.99
865.93 341.26 12090.09 1581.11 0.00 1581.11 1483.43
21.73 4.15 151.26 31.26 0.00 31.26 52.24
0.00 0.00 0.00 0.00 0.00 0.00 0

30183.57 16059.72 260694.72 257410.10 0.00 257410.10 240335.80
0.00 0.00 0.00 17476.05 0.00 17476.05 18243.18

30183.57 16059.72 260694.72 274886.15 0.00 274886.15 258578.98
32601.31 13377.46 246570.87 258578.98 0.00 258578.98 311138.88
161
AZwgyMr - 11 amoH$‹S> Ed§ ~¢H$ ‘| A{Veof : 31.3.2018

SCHEDULE - 11 CASH AND BANK BALANCES: 31.3.2018
(` bmIm| ‘|)
(` in lakhs)
1 ZH$X (MoH$, S´>mâQ> Ed§ ñQ>°ån g{hV)
Cash (including cheques, drafts and stamps) 298850.86 0.00 298850.86 397151.81
2 ~¢H$ O‘m
Bank Balances
(H$) O‘m ImVm

(a) Deposit Accounts
(H$H$) Aënmd{Y (VwbZ nÌ H$s VmarI go 12 _{hZmo§ Ho ^rVa Xo`)

(aa) Short-term (due within 12 months of the date of Balance Sheet) 179729.86 0.00 179729.86 1380.37
(II) AÝ¶
(bb) Others 83535.62 0.00 83535.62 1233178.22
(I) Mmby ImVm

(b) Current Accounts 989931.18 2100.11 992031.29 1374070.75
(J) AÝ¶
(c) Others 0.00 0.00 0.00 0.00
3 ‘m§JZo na Am¡a Aën gyMZm na YZ

Money at Call and Short Notice
(H$) ~¢H$ ‘|
(a) With Banks 0.00 0.00 0.00 0.00
(I) AÝ¶ g§ñWmZm| ‘|

(b) With other Institutions 0.01 0.00 0.01 0.01
(J) AÝ¶ - Ama.B.nr.Amo.Eg.

( c ) Other -REPOS 0.00 0.00 0.00 0.00
(K) gr.~r.Eb.Amo.
( d ) CBLO 663911.09 0.00 663911.09 234080.86
4 AÝ¶ : ‘mJ©ñV àmofñV YZ
Others - Remittances in transit 49994.32 0.00 49994.32 33054.83
Hw$b Total 2265952.94 2100.11 2268053.05 3272916.85
J¡a AZwgy{MV ~¢H$mo H$s eof Cnamoº$ 2 VWm 3 ‘| gpå‘{bV h¡*

Balances with non-scheduled banks included in 0.00 0.00 0.00 0.00
2 and 3 above.*
amoH$‹S> Ed§ ~¢H$ ‘| A{Veof
CASH & BANK BALANCES
1 ^maV ‘|
In India 2255348.21 2100.11 2257448.32 3260723.79
2 ^maV Ho$ ~mha
Outside India 10604.73 0.00 10604.73 12193.06
Hw$b Total 2265952.94 2100.11 2268053.05 3272916.85
*ñWmZr¶ {d{Y Ho$ AZwgma {Z¶§{ÌV emImAm| Ho$ ~¢H$ ImVm| Ho$ Abmdm
*Excluding bank accounts of foreign branches which are held as per local laws.
162
162
61 st Annual Report
AZwgyMr - 12 A[J«‘ Ed§ AÝ¶ n[agån{Îm¶m± : 31.3.2018

SCHEDULE - 12 ADVANCES AND OTHER ASSETS: 31.3.2018
(` bmIm| ‘|)
(` in lakhs)
A[J«‘ / ADVANCES
1 A§VaU H§$n{Z¶m| ‘| Ama{jV O‘m

Reserve deposits with ceding companies 0.00 0.00 0.00 0.00
2 A§VaU H§$n{Z¶m| H$mo A[J«‘

Advances to ceding companies 0.00 0.00 0.00 0.00
3 {Zdoemo Ho$ {bE AmdoXZ YZ

Application money for investments 16860.56 0.00 16860.56 0.00
4 nhbo ^wJVmZ / nyd©XÎm IM©

Prepayments/Prepaid Expenditure 41104.01 0.00 41104.01 9377.46
5 A{YH$m[a¶m| / {ZXoeH$m| H$mo§ A[J«‘

Advances to Officer/Directors 0.32 0.00 0.32 0.15
6 AXm {H$¶m J¶m A{J«‘ H$a Ed§ YtV na H$a H$Q>m¡Vr

Advance tax paid and taxes deducted at source 2351405.28 0.00 2351405.28 1772591.50
H$mamYmZ Ho$ {bE ewÕ n«mdYmZ
(Net of Provision for tax of ` 3992540.36)
{nNbo df©
(Previous Year ` 3250203.62)
7(a) AÝ¶ / Others
(H$) H$‘©Mm[a¶m| H$m A{J«‘
i. Advances to employees 17533.31 0.00 17533.31 103667.97
(I) AÝ¶ H$mo A{J«‘

ii. Advances to others 6423.60 0.00 6423.60 4897.58
(J) O‘m
iii. Deposits 5327.26 0.00 5327.26 5380.29
(K) AÝ¶ A{J«‘

iv. Other advances 60134.55 13416.18 73550.73 152627.17
7(b) ’w$Q>H$a XoZXma, A{J«‘ VWm O‘m Ho$ {bE àmdYmZ

Provision for sundry debtors, (6641.38) 0.00 (6641.38) (5882.12)
advances and deposits
Hw$b Total (A) 2492147.51 13416.18 2505563.69 2042660.00
AÝ¶ n[agån{Îm¶m±
OTHER ASSETS
1 {Zdoemona ~H$m¶m / àmoX^yV Am¶

Income outstanding/accrued on investments 5294490.60 54073.38 5348563.98 4803182.79
g§{X½Y ã¶mO VWm bm^m§e H$m àmdYmZ

Provision for doubtful Interest & Dividends (819506.40) 0.00 (819506.40) (652374.51)
2 ~H$m¶m àr{‘¶‘
Outstanding Premiums 960860.36 0.00 960860.36 948946.93
3 EO§Q>mo Ho$ eof
Agents' Balances 266909.52 0.00 266909.52 191206.66
163
AZwgyMr - 12 (Omar)
SCHEDULE - 12 (Contd.)
(` bmIm| ‘|)
(` in lakhs)
EO§Q>mo Ho$ g§{X½Y eof Ho$ {bE àmdYmZ
Provision for agents doubtful balances (24.52) 0.00 (24.52) (22.97)
4 {dXoer EO{g¶mo Ho$ eof

Foreign Agencies' Balances 0.00 0.00 0.00 0.00
g§{X½Y {dXoer EO{g¶mo Ho$ eof Ho$ {bE àmdYmZ
Provision for agents doubtful balances 0.00 0.00 0.00 0.00
5 ~r‘m ì¶dgm¶ H$aZodmbr AÝ¶ B§{Q>{Q>¶mo go àmá hmoZo dmbm

Due from other entities carrying on insurance business 0.00 0.00 0.00 0.00
6 ghm¶H$/{Z¶§ÌH$ H§$nZr go àmá hmoZodmbm

Due from subsidiaries/holding company 153.52 0.00 153.52 169.93
7 nwZ~u‘m Xmdo / eof àmß¶

Reinsurance claims/balances receivable 0.00 0.00 0.00 0.00
8 ^maVr¶ [aOd© ~¢H$ ‘| O‘m

(~r‘m A{Y{Z¶‘, 1938 H$s IÊS> 7 Ho$ AZwgaU ‘|)
Deposit with Reserve Bank of India 0.00 0.00 0.00 0.00
(Pursuant to Section 7 of Insurance Act, 1938)
9 AÝ¶/ Others
i ~H$m¶m / àmoT>^yV F$U na ã¶mO
Interest on loans outstanding/accrued 2018495.16 506.03 2019001.19 1782694.38
ii ñQ>oeZar H$s ñQ>m°H$, Am{X hmW ‘|

Stock of stationery, etc. on hand 6685.19 0.00 6685.19 6586.91
iii Añdm{_H$ am{e go g§~{YV n[ag§n{Îm¶m± (nr.E\ 26)

Assets pertaining to Unclaimed amount (PF. 26) 930426.61 0.00 930426.61 683671.09
iv AÝ¶ n[ag§n{Îm¶m±
Other assets 9512.95 0.00 9512.95 6023.70
v (H$) {Z{YH$ ã¶mO

(a) Funded interest 263613.89 0.00 263613.89 249409.43
(I) {Z{YH$ ã¶mO Ho$ {bE àmdYmZ
(b) Provision for Funded interest (263613.89) 0.00 (263613.89) (249409.43)
vi (H$) {Zdoe {OZH$m Am~§Q>Z ~mH$s h¡

(a) Investments Pending Allotment 3454.45 0.00 3454.45 5747.07
(I) {d{dY XoZXma, A{J«‘ Ed§ O‘m Ho$ {bE àmdYmZ
(b) Provision for Sundry Debtors,Advances & Deposits (3454.45) 0.00 (3454.45) (5747.07)
vii godm H$a/Or Eg Qr H$m O‘m eof
Service Tax/GST Unutilized Credit 25988.27 0.00 25988.27 58152.67
Hw$b (I) Total (B) 8693991.26 54579.41 8748570.67 7828237.58
Hw$b (H$ + I) Total (A + B) 11186138.77 67995.59 11254134.36 9870897.58
^maV ‘| / In India 11181001.26 67995.59 11248996.85 9863375.91

Hw$b Total 11186138.77 67995.59 11254134.36 9870897.58
164
164
61 st Annual Report
AZwgyMr - 13 Mmby Xo¶VmE§ : 31.3.2018

SCHEDULE - 13 CURRENT LIABILITIES:31.3.2018
(` bmIm| ‘|)
(` in lakhs)
1 EO§Q>mo Ho$ eof / Agents' Balances 0.00 0.00 0.00 0.00
2 AÝ¶ ~r‘m H§$n{Z¶m| H$mo Xo¶ am{e
Balances due to other insurance companies 11510.45 0.00 11510.45 (842.09)
3 g§{Y H§$n{Z¶m| Ho$ A{J«‘
Advances from Treaty Companies 0.00 0.00 0.00 0.00
4 nyZ~u‘m A§VaU na Ym[aV O‘m
Deposits held on re-insurance ceded 0.00 0.00 0.00 0.00
5 A{J«‘ ê$n ‘| àmá àr{‘¶‘
Premiums received in advance 2177.44 0.00 2177.44 4396.91
6 ’w$Q>H$a boZXma / Sundry creditors 1046432.60 8119.05 1054551.65 789198.90
7 ghm¶H$ / {Z¶§ÌH$ H§$nZr H$mo Xo¶
Due to subsidiaries/holding company 0.00 0.00 0.00 0.00
8 ~H$m¶m Xmd| / Claims Outstanding 115373.04 250568.70 365941.74 227000.97
9 Xo¶ dm{f©{H$¶m± / Annuities Due 32756.54 0.00 32756.54 30255.90
10 ~¢H$ eof / Bank Balances 0.00 0.00 0.00 0.00
11 A{YH$m[a¶m| / {ZXoeH$mo H$s Xo¶ Due to Officers/Directors 0.00 0.00 0.00 0.00
12 AÝ¶ / Others
H$ H$‘©Mmar ^{dî¶ VWm noÝeZ Ho$ Ý¶m{g¶m| H$mo Xo¶ am{e¶m±
a Amounts due to trustees of staff provident & pension fund 621505.85 0.00 621505.85 480256.15
I ~H$m¶m H$‘reZ
b Outstanding Commission 160241.90 0.98 160242.88 138076.37
J àr{‘¶‘ VWm AÝ¶ O‘m am{e¶m±
c Premium and other deposits 202488.79 115.27 202604.06 106734.23
K ~H$m¶m Añdm{‘H$ am{e / O‘m
d Outstanding unclaimed amounts/deposits 846851.60 204049.97 1050901.57 795187.02
n«má n«r{_`_ {OZH$m Amd§QZ Zhr hwAm
e Premium received but not allocated 0.00 61.58 61.58 60.81
L> godm H$a/Or Eg Qr Xm{¶Ëd
f Service Tax Liability/GST Liability 83440.38 1365.99 84806.37 0.00
M ny±Or ‘moMZ ({ZYm©[aV dm{f©H$s g{hV) ì¶dgm¶ Mmby ImVm
g Capital Redemption (including annuity certain) business (2363.71) 0.00 (2363.71) (1767.80)
current account
N> d[að> noÝeZ ~r‘m ¶moOZm Mmby ImVm (161)

h Varishtha Pension Bima Yojana Current account (161) 25602.15 0.00 25602.15 24154.42
O d[að> noÝeZ ~r‘m ¶moOZm Mmby ImVm (828)
i Varishtha Pension Bima Yojana Current account (828) 3372.73 0.00 3372.73 3077.79
P nr.E‘. dr.d>r.dm¶. Mmby ImVm (842)
j PMVVY Current Account (842) 4874.96 0.00 4874.96 0.00
Z gm‘m{OH$ gwajm {Z{Y Mmby ImVm
k Social Security Fund Current account 3.82 0.00 3.82 (11956.60)
n Am‘ AmX‘r Mmby ImVm
l Aam Aadmi Bima Yojna Scholarship Current account (1.64) 0.00 (1.64) (8288.82)
’$ N>mÌd¥{Îm H$mof Mmby ImVm
m Scholarship Fund Contra Accounts 0.00 0.00 0.00 0.00
~ nr.E‘. Oo.S>r.dm¶. Mmby ImVm
n PMJDY contra account (668.59) 0.00 (668.59) (9957.78)
_ g§~Õ ì¶dgm¶ Mmby ImVm
o Linked Business Contra account (56126.37) 56126.37 0.00 0.00
Hw$b / Total 3097471.94 520407.91 3617879.85 2565586.38
^maV ‘| /In India 3073533.11 520626.09 3594159.20 2546463.68
^maV Ho$ ~mha / Out of India 23938.83 (218.18) 23720.65 19122.70
Hw$b / Total 3097471.94 520407.91 3617879.85 2565586.38
165
AZwgyMr - 14 àmdYmZ : 31.3.2018

SCHEDULE - 14 PROVISIONS : 31.3.2018
(` bmIm| ‘|)
(` in lakh)
1 H$amYmZ Ho$ {bE (KQ>mBE ^wJVmZ Ed§ ómoV na H$a H$Q>m¡Vr)

For taxation (less payments and taxes 0.00 0.00 0.00 0.00
deducted at source)
2 àñVm{dV bm^m§e Ho$ {bE (5% ‘yë¶Z A{Yeof)
For proposed dividends (5% Valuation Surplus) 225242.25 0.00 225242.25 220033.36
3 bm^m§e {dVaU H$a Ho$ {bE

For dividend distribution tax 0.00 0.00 0.00 0.00
4 AÝ¶
Others
emoYj‘Vm gr‘m Ho$ {bE AmajU H$m àmdYmZ
Provision for reserve for solvency margin 1494305.60 0.00 1494305.60 1494305.60
Hw$b
Total 1719547.85 0.00 1719547.85 1714338.96
^maV ‘|
In India 1719259.99 0.00 1719259.99 1714067.97
^maV Ho$ ~mha
Out of India 287.86 0.00 287.86 270.99
Hw$b
Total 1719547.85 0.00 1719547.85 1714338.96
166
166
61 st Annual Report
AZwgyMr - 15 {d{dY ì¶¶ (Omo ~Å>o ImVo ‘| Z S>mbo JE hmo ¶m gm‘m¶mo{OV Z {H$E JE hm|) : 31.3.2018
SCHEDULE 15 MISCELLANEOUS EXPENDITURE : 31.3.2018 (To the extent not written off or adjusted)
(` bmIm| ‘|)
(` in lakh)
1 eo¶a / F$U-nÌ Omar H$aZo ‘| AZw‘V Ny>Q>

Discount Allowed in issue of 0.00 0.00 0.00 0.00
shares/debentures
2 AÝ¶
Others 0.00 0.00 0.00 0.00
Hw$b
Total 0.00 0.00 0.00 0.00
^maV ‘o
In India 0.00 0.00 0.00 0.00
^maV Ho$ ~mha
Outside India 0.00 0.00 0.00 0.00
Hw$b
Total 0.00 0.00 0.00 0.00
167
AZwgyMr - 15 H
OrdZ VWm ny±Or ‘moMZ {ZYm©[aV dm{f©H$s ì¶dgm¶ go g§~§{YV {dÎmr¶ {ddaUmo§ H$m ^mJ {Z{‘©V H$aZo dmbo CX²Km{Q>V {df¶
(H$) ‘hÎdnyU© boIm Zr{V¶m±:
1. V¡¶mar H$m AmYma : {dÎmr¶ {ddaU gm‘mÝ¶V¶m ñdrH$m¶© boIm {gÕm§Vmo Ed§ ~r‘m {d{Z¶m‘H$ Ed§ {dH$mg àm{YH$maU ({dÎmr¶ {ddaU Ed§ ~r‘m H§$n{Z¶m|
Ho$ boIm narjH$m| H$s [anmoQ>© V¡¶ma H$aZm) {d{Z‘¶ 2002 Ed§ BgHo$ ~mX Omar {H$¶o J¶o n[anÌm| Ho$ AZwgma V¡¶ma {H$¶m J¶m h¡&
2. amOñd ‘mÝ¶Vm :
H$) Ohm± ^wJVmZ H$s ‘m’$s Ad{Y g‘má Zht hþB© hmo Ed§ {OZHo$ {nN>bo {H$ñVmo H$m ^wJVmZ {H$¶m J¶m hmo, Eogo Xo¶ {H$íVm| H$mo Am¶ Ho$ én ‘| ‘mÝ¶Vm
Xr J¶r h¡& g§~§Õ ì¶dgm¶ ‘| ^wJVmZ H$s Xo¶ {VWr BH$mB¶m| Ho$ {Z‘m©U H$s {VWr Ho$ ~am~a hmoVr h¡&
I) O~ VH$ AÝ¶Wm C{„{IV Z hmo Am¶ Ed§ ì¶¶Ho$ ‘Xm| H$s JUZm gm‘mÝ¶V¶m àmoX²^yV AmYma na H$s JB© h¡&
J) g^r gaH$mar à{V^y{V¶m|, F$U à{V^y{V¶m| Ho$ g§~§Y ‘| ã¶mO H$s Am¶, {OZ‘| H$O}, {S>~oÝMa VWm ~m°ÝS> nmg W«w à‘mUnÌ Am¡a J¥h g§n{Îm Ho$ à{V
{Jadr H$O} em{‘b h¢, ~r‘m {d{Z¶m‘H$ Am¡a {dH$mg àm{YH$aU Ho$ {Xem{ZX}em| Ho$ AZwgma amOñd ‘| H«o${S>Q> H$s OmVr h¡&
K) ‘mÜ¶{‘H$ ~mOma go gaH$ma ¶m AÝ¶ AZw‘mo{XV à{V^y{V¶m| H$s IarX ¶m {dH«$s Ho$ g§~§Y ‘| IpÊS>V Ad{Y H$m ã¶mO ZH$X AmYma na {b¶m J¶m
h¡&
L>) ã¶mO, bm^m§e {H$am¶m Am{X gH$b ‘yë¶ AmYma na {b¶m J¶m h¡ (Am¶H$a H$Q>m¡Vr Ho$ nyd©)&
M) F$Um|, {S>~|Mam| Am¡a ~m°ÊS>m| Ho$ g§~§Y ‘| VwbZ-nÌ H$s VmarI H$mo ¶WmpñW{V Cn{O©V ã¶mO H$m n[aH$bZ F$U XñVmdoO/gyMZm kmnZ ¶m AÝ¶
XañVmdoO ‘| C{„{IV gmYmaU ã¶mO Ho$ n[aH$bZ H$s nÕ{V Ho$ AZwgma {H$¶m OmVm h¢& gaH$mar Am¡a AÝ¶ AZw‘mo{XV à{V^y{V¶m| Am¡a ~§YH$
F$Um| Ho$ g§~§Y ‘|, VwbZ nÌ H$s VmarI H$mo ¶WmpñW{V Cnm{O©V ã¶mO H$m n[aH$bZ EH$ df© ‘o 360 {XZ Ho$ AmYma na {H$¶m Om h¡&
N>) à{V^y{V¶m|/B{¹${Q>¶m| H$s {~H«$s na bm^ ¶m hm{Z Ho$db {~H«$s df© ‘| amOñd ‘| {b¶m J¶m h¢&
O) B{¹$Q>r na bm^m§e (H§$nZr Ûmam Kmo{fV bm^m§e) Ohm± CZHo$ àmá H$aZo H$m A{YH$ma 31 ‘mM© H$mo ¶m CgHo$ nhbo hmo Cgo Am¶ Ho$ ê$n ‘| {b¶m
J¶m h¢ ^bo hr dh ~mX ‘| àmá hþE hmo&
P) nm°{bgr F$Um| na ã¶mO H$m boImH$aU àmoX²^dZ Ho$ AmYma na {H$¶m OmVm h¡&
Äm) N>h ‘{hZm| go Á¶mXm ~H$m¶m {H$am¶m bm¶gÝg ’$sg go gå~pÝYV {H$am¶m Am¶ H$mo, Am¶ Ho$ én ‘| ‘mÝ¶Vm Zht Xr J¶r h¡&
V) A{Y‘mZr eo¶am|/å¶wÀ¶wAb ’§$S> na bm^m§e H$mo, Ho$db àmá hmoZo na Am¶ Ho$ én ‘| ‘mZm OmVm h¡&
W) {S>~|Mam|/~m°ÊS>m| H$s IarX na AmdoXZ YZam{e na àmá ã¶mO H$mo ZH$Xr AmYma na boIo ‘| {b¶m OmVm h¡&
X) CÚ‘ ny§Or {Zdoe na hþB© Am¶ H$mo ZH$Xr AmYma na boIo ‘| {b¶m OmVm h¡&
Y) Oramo Hy$nZ ~m°ÊS>m| go hþB© Am¶ H$mo ~r‘m§{H$H$ AmYma na boIo ‘| {b¶m OmVm h¡&
Z) J¡a g§§~Õ ì¶dgm¶ Ho$ ‘m‘bo ‘|, VwbZ nÌ H$s VmarI H$mo ¶WmpñWVr EZnrE na ~H$m¶m ã¶mO H$m àmdYmZ CM§V Ho$ én ‘o§ {H$¶m OmVm h¡&
n) F$U‘moMZ/n[an¹$Vm na àr{‘¶‘ H$mo, F$U‘moMZ/n[an¹$Vm hþB© Am¶ Ho$ én ‘| ‘mÝ¶Vm Xr OmVr h¡&
3. A{YJ«hU bmJV| : A{YJ«hU bmJVmo H$mo IM© Ho$ df© ‘| {XIm¶m J¶m h¡& A{YJ«hU bmJVo dh IM} h¡ Omo ‘w»¶V: Z¶o Am¡a nwZama§^ ~r‘m AZw~ÝYm|
go g§~§{YV h¡ Ed§ CZHo$ gm n[ad{V©V hmoVo ahVo h¡&
4. Xmd| :
H$) Xmdm| H$s bmJVm| ‘o Ohm± H$hr bmJy hmo nm°{bgr bm^ am{e Ed§ Xmdm g‘m¶moOZ bmJV em{‘b h¡&
I) ~H$m¶m ‘¥Ë¶w Xmdm| Ho$ àmdYmZ CZ nm°{b{g¶m| Ho$ {b¶o {H$E JE h¢ Ohm± 31 ‘mM© VH$ ‘¥Ë¶w H$s gyMZm àmá hþB© h¡&
168
168
61 st Annual Report
SCHEDULE 15 A:
DISCLOSURES FORMING PART OF THE FINANCIAL STATEMENTS OF LIFE AND CAPITAL REDEMPTION
AND ANNUITY CERTAIN BUSINESS
(A) SIGNIFICANT ACCOUNTING POLICIES:
1. Basis of Preparation:
The Financial Statements have been prepared in accordance with the generally accepted accounting principles and in accordance
with the provisions of the Insurance Regulatory and Development Authority (Preparation of Financial Statements and Auditor’s
Report of Insurance Companies) Regulations 2002 and Circulars issued thereafter.
2. Revenue Recognition:
a) Premiums are recognized as income when due, for which grace period has not expired and the previous installments have
been paid. In case of Linked Business, the due date for payment is taken as the date when the associated units are created.
b) Items of Income and Expenditure are generally accounted for on accrual basis unless otherwise stated.
c) Interest income in respect of all government securities, debt securities including loans, debentures and bonds, Pass Through
Certificate (PTC), mortgage loans is taken credit to the Revenue Account as per the guidelines issued by Insurance Regulatory
and Development Authority.
d) In respect of purchase or sale of Government and other approved securities from secondary market, interest for the broken
period is accounted on cash basis.
e) Interest, Dividend, Rent, etc. are accounted at gross value (before deduction of Income Tax)
f) In respect of loans, debentures and bonds, accrued interest as at the date of the balance sheet is calculated as per method of
calculation of simple interest mentioned in the loan document/information memorandum or such other document. In respect of
Government and other approved securities and mortgage loans, accrued interest as at the date of balance sheet is calculated
based on 360 days a year.
g) Profit or Loss on sale of Securities/Equities/ Mutual Fund is taken to Revenue only in the year of sale.
h) Dividend on equity where right to receive the same has fallen due on or before 31st March (i.e. dividend declared by the
company) is taken as income though received subsequently.
i) Interest on policy loans is accounted for on accrual basis.
j) Rental income in respect of rent/license fees which is in arrear for more than 6 months is not recognized as income.
k) Dividend on Preference shares/Mutual Fund is taken as income only on receipt.
l) Interest on application Money on purchase of debentures/bonds is accounted on cash basis.
m) Income on venture capital investment is accounted on cash basis.
n) Income from zero coupon bonds is accounted on accrual basis.
o) In case of non linked business, outstanding interest on NPAs as at balance sheet date is provided as interest suspense.
p) Premium on redemption/maturity is recognized as income on redemption/maturity
3. Acquisition Costs:
Acquisition Costs are expensed in the period in which they are incurred. Acquisition costs are those costs that vary with and are
primarily related to the acquisition of new and renewal insurance contracts.
4. Claims:
a) Claims costs consist of the policy benefit amount and claims settlement costs, wherever applicable.
b) Provision for outstanding death claims is made for those policies where the intimation of death has been received upto 31st
March.
169
5. {Zdoe:
A) J¡a - g§~Õ ì¶dgm¶
H$) gaH$mar à{V^y{V¶m| Am¡a F$U‘moÀ¶ A{Y‘mZr eo¶am| g{hV F$U à{V^y{V¶m| H$mo "n[an¹$Vm VH$ aIr JB©" Ho$ én ‘mZm OmVm h¡
Am¡a ‘yë¶ H$mo n[aemoY H$s eV© Ho$ AYrZ Eo{Vhm{gH$ bmJV na {ZåZ{b{IV én ‘| A{^ì¶º$ {H$¶m OmVm h¡:
(i) gaH$mar à{V^y{V¶m| g{hV F$U à{V^y{V¶m§, Ohm§ A§{H$V ‘yë¶ dmñV{dH$ ‘yë¶ go A{YH$ h¡, àr{‘¶‘ YmaU/n[an¹$Vm H$s eof Ad{Y ‘|
grYr bm^ nÕ{V Ho$ AmYma na F$U n[aemo{YV H$s OmEJr&
(ii) gyMr~Õ F$U‘moÀ¶ A{Y‘mZr eo¶a, Ohm§ A§{H$V ‘yë¶ dmñV{dH$ ‘yë¶ go A{YH$ h¡, àr{‘¶‘ YmaU/n[an¹$Vm H$s {deof Ad{Y ‘| grYr
bmB©Z nÕ{V AmYma na n[aemo{YV H$s OmVr h¡ Am¡a BgH$m ‘yë¶m§H$Z n[aemo{YV bmJV na {H$¶m OmVm h¡, ¶{X A§{V‘ CÕV ‘yë¶ (‘yë¶m§H$Z
H$s VmarI go A{YH$ go A{YH$ 30 {XZ nhbo) n[aemo{YV bmJV go A{YH$ h¡& ¶{X ~mOma ‘yë¶ n[aemo{YV bmJV go H$‘ h¡, Vmo VZyH$aU
Ho$ {bE àmdYmZ {H$¶m OmVm h¡&
AgyMr~Õ F$U‘moÀ¶ A{Y‘mZr eo¶a, Ohm§ A§{H$V ‘yë¶, dmñV{dH$ ‘yë¶ go A{YH$ h¡, àr{‘¶‘ÜH$m n[aemoYZ YmaU/n[a¹$Vm H$s eof
Ad{Y ‘| grYr bmB©Z nÕ{V AmYma na {H$¶m OmVm h¡ Am¡a BgH$m ‘yë¶m§H$Z VZwH$aU Ho$ {bE {H$E JE àmdYmZ go H$‘ n[aemo{YV bmJV
na {H$¶m OmVm h¡&
gyMr~Õ J¡a-F$U‘moÀ¶ A{Y‘mZr eo¶am| H$m ‘yë¶m§H$Z A§{H$V ‘yë¶ na {H$¶m OmVm h¡, ¶{X A§{V‘ CÕV ‘yë¶ (‘yë¶m§H$Z H$s VmarI go
A{YH$ go A{YH$ 30 {XZ nhbo), A§{H$V ‘yë¶ go A{YH$ h¡& ¶{X A§{V‘ CÕV ‘yë¶ H$‘ h¡ Vmo BgH$m ‘yë¶m§H$Z A§{H$V ‘yë¶ ‘| go VZwH$aU
Ho$ {bE {H$¶m J¶m àmdYmZ KQ>mH$a {ZH$mbo JE ‘yë¶ na {H$¶m OmVm h¡&
AgyMr~Õ J¡a-F$U‘moÀ¶ A{Y‘mZr eo¶am| H$m ‘yë¶m§H$Z A§{H$V ‘yë¶ ‘| go VZwH$aU Ho$ {bE {H$¶m J¶m àmdYmZ KQ>mH$a {ZH$mbo JE ‘yë¶
na {H$¶m OmVm h¡&
I) gyMr~Õ B©{¹$Q>r à{V^y{V¶m§ {OZH$m ì¶mnma g{H«$¶ ~mOmam| ‘| {H$¶m OmVm h¡ Am¡a aUZr{VH$ {Zdoem| Ho$ én ‘| dJuH¥$V gyMr~Õ à{V^y{V¶m§ VwbZ
nÌ H$s VmarI H$mo C{MV ‘yë¶ na ‘mnr OmVr h¡ Am¡a B{¹$Q>r à{V^y{V¶m| H$s dhZ YZam{e ‘o hþE {H$gr n[adV©Z H$mo C{MV ‘yë¶ n[adV©Z boIo ‘|
bo Om¶m OmVm h¡&
J) AgyMr~Õ B©{¹$Q>r à{V^y{V¶m§, AgyMr~Õ Am¡a ~hþV H$‘ ì¶mnma {H$E JE aUZr{VH$ {Zdoe Am¡a gyMr~Õ B©[¹$Q>r à{V^y{V¶m§ {OZH$m ì¶mnma g{H«$¶
~mOmam| ‘| {Z¶{‘V én go Zhr {H$¶m OmVm, H$mo Eo{Vhm{gH$ bmJV ‘| go CZ {Zdoem| Ho$ ‘yë¶ ‘| VZwH$aU Ho$ {bE {H$¶m J¶m àmdYmZ KQ>mH$a {ZH$mbo
JE ‘yë¶ na ‘mnm OmVm h¡& go~r Ûmam g‘¶ g‘¶ na {d{ZYm©[aV {H$E JE å¶wÀ¶A§b ’§$S> H$mo {d{Z¶{‘V H$aZo dmbo {Xem{ZX}em| Ho$ AZwgma ~hþV
H$‘ ì¶mnma {H$E JE Ho$ én ‘| dJuH¥$V {H$gr à{V^y{V H$mo g{H«$¶ ê$n go ì¶mnma Z H$s JB© à{V^y{V Ho$ ê$n ‘| ‘mZm OmVm h¡&
K) g^r {Zdoemo H$mo ZH$Xr AmYma na boI| ‘| {b¶m OmVm h¡, {gdm¶ goH|$S´>r ~mOma go B{¹$Q>r eo¶am| Am¡a gaH$mar à{V^y{V¶m| H$s {~H«$s ¶m IarX Ho$
{bE&
L>…) {Zdoe g§n{Îm¶mo§ H$m ‘yë¶, nwZ©‘yë¶m§{H$H$ YZam{e¶m| na A{^ì¶º$ {H$¶m OmVm h¡ Am¡a {Zdoe g§n{Îm H$s dhZ YZam{e ‘| hþE n[adV©Z H$mo
nwZ©‘yë¶m§H$Z ^§S>ma ‘| bo Om¶m OmVm h¢&
M) å¶wÀ¶wAb ’§$S> {Zdem| H$m ‘yë¶m§H$Z VwbZ nÌ H$s VmarI H$mo ¶WmpñW{V C{MV ‘yë¶ AmYma na {H$¶m OmVm h¡ Am¡a å¶wÀ¶wAb ’§$S> H$s dhZ
YZam{e ‘| hþE n[adV©Z H$mo C{MV ‘yë¶ n[adV©Z boIo ‘| bo Om¶m OmVm h¡&
N>) ghm¶H$ H§$n{Z¶m|, g§¶wº$ CÚ‘m| Am¡a gh¶moJr H§$n{Z¶m| ‘| {H$E {Zdoem| H$mo bmJV na A{^ì¶º$ {H$¶m OmVm h¡&
O) CÚ‘ {Z{Y ‘| {H$E JE {Zdoe H$m ‘yë¶m§H$Z, {Z{Y Ho$ EZEdr ¶m bmJV BZ‘| go Omo ^r H$‘ hmo, na {H$¶m OmVm h¡&
P) F$Um| H$mo hm{ZH$maU àmdYmZm| H$s eV© Ho$ AYrZ Eo{Vhm{gH$ bmJV na ‘mnm OmVm h¡&
U) YZam{e ~mOma {dboIm| H$mo A§{H$V ‘yë¶ na ‘mnm OmVm h¡&
(~) g§~Õ ì¶dgm¶ : à{V^y{V¶m| H$m ‘yë¶m§H$Z g‘¶ g‘¶ na Omar {H$¶o JE AmB© Ama S>r E AmB© Ho$ {ZX}em| Ho$ AZwén h¡&
6. AMb n[agån{V¶m±:
H$) AMb n[agånpËV¶mo§ H$m ‘yë¶ CgHo$ bmJV ‘yë¶m| H$amYmZ g{hV ‘| go ‘yë¶èhmg H$mo H$‘ H$a Xem©¶m J¶m h¡&
I) {Z‘m©UmYrZ Ed§ H$ãOm H$s JB© g§n{Îm¶m| na AXm H$s JB© am{e {OZH$m àboIZ b§{~V h¡ CÝh| "^dZ g§n{Îm Ed§ ^y{‘' Ho$ A§VJ©V {XIm¶m J¶m h¡&
7. ‘yë¶èhmg : à~§YZ Ûmam ¶Wm AZw‘m{ZV n[agån{V¶m| Ho$ Cn¶moJr OrdZ na AmYm[aV g‘m§Va VarHo$ H$m BñVo‘mb H$aHo$ AMb n[agån{Îm¶m| na
‘yë¶èhmg ~Vm¶m J¶m h¡& df© Ho$ Xm¡amZ IarXr JB©/~oMr JB© n[agån{Îm¶mo Ho$ {bE ‘yë¶èhmg ¶WmZwnmV à^m[aV {H$¶m J¶m h¡&
170
170
61 st Annual Report
5. Investments:
A] Non Linked Business
a) Debt Securities including Government Securities and Redeemable Preference Shares are considered as ‘held to maturity’ and
the value is disclosed at historical cost subject to amortization as follows:
(i) Debt Securities including Government Securities, where the book value is more than the face value, the premium will be
amortized on straight line basis over the balance period of holding/maturity.
(ii) Listed Redeemable Preference Shares, where the book value is more than the face value, the premium is amortized on
a straight line basis over the balance period of holding/maturity and are valued at amortised cost if last quoted price (not
later than 30 days prior to valuation date), is higher than amortised cost. Provision for diminution is made if market value
is lower than amortised cost.
Unlisted Redeemable Preference Shares where the book value is more than the face value, the premium is amortized on a
straight line basis over the balance period of holding/maturity and are valued at amortised cost less provision for diminution.
Listed Irredeemable Preference Shares are valued at book value if last quoted price (not later than 30 days prior to valuation
date), is higher than book value. In case last quoted price is lower, it is valued at book value less provision for diminution.
Unlisted Irredeemable Preference Shares are valued at book value less provision for diminution.
b) Listed equity securities that are traded in active markets and listed securities classified as strategic investments are measured
at fair value on the balance sheet date and the change in the carrying amount of equity securities is taken to Fair Value Change
Account.
c) Unlisted equity securities, unlisted & thinly traded strategic investments and listed equity securities that are not regularly traded
in active markets are measured at historical cost less provision for diminution in value of such investments. A security classified
as thinly traded as per guidelines governing mutual funds laid down from time to time by SEBI are considered as being not
actively traded.
d) All Investments are accounted on cash basis except for purchase or sale of equity shares & government securities from the
secondary market
e) The value of Investment Properties is disclosed at the Revalued amounts and the change in the carrying amount of the
investment property is taken to Revaluation Reserve.
f) Mutual fund investments are valued on fair value basis as at the balance sheet date and the change in the carrying amount of
mutual fund is taken to Fair Value Change Account.
g) Investments in subsidiary companies, joint ventures and associates are disclosed at cost.
h) Investment in venture fund is valued at the NAV of the fund or cost whichever is lower.
i) Loans are measured at historical cost subject to impairment provisions.
j) Money Market Instruments are measured at book value.
B] Linked Business:
Valuation of Securities is in accordance with IRDA directives issued from time to time.
6. Fixed Assets:
a) Values of the fixed assets are stated at cost (inclusive of taxes) less depreciation.
b) Property under construction and amounts paid for the properties taken in possession, pending documentation, are accounted
under ‘House Property and Land’.
7. Depreciation:
Depreciation on fixed assets is provided using the straight line method, based on useful lives of assets as estimated by the
management. Depreciation is charged on pro-rata basis for assets purchased/sold during the year. Leasehold land & building is
written off on a pro-rata basis.
171
8. OrdZ nm{c{g¶m| H$s Xo¶Vm : {ZJ‘ H$o OrdZ ~r‘m ì¶dgm¶ Ho$ dm{f©H$ Om§M Ho$ AZwgaU ‘| nm{cgrYmaH$m| H$s Xo¶VmE§ {ZJ‘ Ho$ {Z¶wº$ {~‘m§H$H$
ìXmam {ZYm©[aV H$s OmVr h¡&
9. {dXoer ‘wÐm g§ì¶dhma :
(H$) g§~§{YV Xoem| Ho$ gm§{d{YH$ {d{Z¶‘Zm| Ho$ AZwgma {dXoer ì¶dgm¶ go g§~§{YV OrdZ {Z{Y H$m {Zdoe {H$¶m J¶m h¡&
(I) df© Ho$ A§V ‘| {dXoem| H$s emImAm| H$m {dÎmr¶ {ddaU ñWmZr¶ {dYr¶m| Ho$ AZwgma V¡¶ma {H$¶m J¶m h¡& VWm g‘w{MV Xmam| na n[adV©Z {H$¶m J¶m
h¡, {gdm¶ gwdm ([’$Or) emIm {OgHo$ {cE à{V df© 31 {Xg§~a Ho$ {dÎmr¶ {ddaU go g‘w{MV Xam| na n[adV©Z {H$¶m OmVm h¡ ³¶m|{H$ emIm H$m
coIm H¡coÊS>a df© Ho$ AmYma na V¡¶ma {H$¶m OmVm h¡&
(J) Cn¶w©º$ Ho$ H$maU hmoZo dmcr {d{Z‘¶ Xa H$s JUZm gm‘mÝ¶V¶m ñdrH$m¶© coIm McZ Ho$ AZwgma H$s JB© h¡&
(K) ^maV go ôOo JE àofUm| ìXmam ^maV Ho$ ~mha {H$E {Zdoem|H$s JUZm ‘yë¶ én¶ H$s cmJV ¶m erK« A{^{c{IV énE H$s cmJV na {H$¶m OmVm
h¡, Ohm± ‘yë¶ cmJV CncãY Z hmo&
10. AZwà¶moÁ¶ n[agån{Îm¶m| Ho$ {cE n[agån{Îm¶m| H$m dJuH$aU Ed§ àmdYmZ :
H$) F$U, {S>~|Ma Ed§ ~m§S>, VWm ^dZ g§n[Îm H$mo {Jadr aIH$a {cE F$U H$s n[agån{Îm¶m| H$mo dgycr Ho$ [aH$mS>© na AmYm[aV {ZåZ Vah go dJuH¥$V
{H$¶m J¶m h¡&
1. ‘mZH$
2. Cn‘mZH$
3. g§{X½Y Ed§
4. ZwH$gmZ n[agån{Îm¶m|
~r‘m {d{Z¶m‘H$ Am¡a {dH$mg àm{YH$aU ìXmam Omar {Xem{ZX}em| Ho$ AZwgma&
I) ^ma{V¶ ~r‘m {d{Z¶m‘H$ Am¡a {dH$mg àm{YH$aU Ûmam ~r‘m g§ñWmZm| H$mo Omar {Xem{ZX}em| Ho$ AZwgma AZwà¶moÁ¶ F$Um|, {S~o§Mamo Ed§ ~m§S>m| Ed§
^dZ g§n[Îm H$mo {Jadr aIH$a F$U H$m àmdYmZ {H$¶m J¶m h¡&
11. godm{Zd¥[Îm cm^ :
(H$) {ZJ‘ Ûmam Omar g‘yh CnXmZ ~r‘m nm{cgr Ho$ ‘mÜ¶‘ go H$‘©MIm[a¶m| H$mo CnXmZ ({~‘m§H$Z ‘yë¶m§H$Z na AmYm[aV) CncãY H$am¶m OmVm h¡&
Bg Vah Cg g§~§Y ‘o Xo¶Vm OrdZ {ZYr H$m ^mJ {Z{_©V H$aVm h¡& I) CZ H$‘©Mmar¶m| Ho$ g§~§Y ‘o {OÝhm|Zo ^{dî¶ {ZYr ¶moOZm MwZr h¡, Cgr
Vah H$m A§eXmZ {ZYr Ý¶mg H$mo {H$¶m OmVm h¡& J) CZ H$‘©Mmar¶m| Ho$ g§~§Y ‘o {OÝhm|Zo ^{dî¶ {ZYr Ho$ ñWmZ na n|eZ ¶moOZm MwZr h¡ CZHo$
{cE ^maV gaH$ma ìXmam A{Ygy{MV n|eZ {Z¶‘m| Ho$ AZwgma {ZJ‘ H$m A§eXmZ n|eZ {ZYr Ý¶mg ‘| {X¶m OmVm h¡& Amoa ¶h A§eXmZ, JV godm
A§eXmZ H$mo {‘cmH$a, ~r‘m§H$Z JUZm na AmYm[aV hmoVm h¡&
(K) godm{Zd¥[Îm na AdH$me ZH$XrH$aU cm^ H$m àmdYmZ ({~‘m§H$Z ‘yë¶m§H$Z na AmYm[aV) {ZJ‘ ìXmam Omar {H$E JE g‘yh AdH$me ZH$XrH$aU
~r‘m nm{cgr ìXmam {H$¶m OmVm h¡ Am¡a Bg{cE, Cg g§~§Y ‘| Xo¶Vm OrdZ {ZYr H$m ^mJ {Z{‘©V H$aVm h¡&
12. àmdYmZ, g§^mì¶ Xo¶VmE§ Am¡a g§^mì¶ n[ag§n{Îm¶m±
O~ ¶h g§^mdZm hmo {H$ {H$gr Xm{¶Ëd H$mo {ZnQ>mZo Ho$ {bE Eogo g§gmYZm| H$s ~{hdm©h Ano{jV hmoJm {OZ‘| Am{W©H$ bm^ g‘m{dV hmo Vmo {dídgZr¶
AZw‘mZ Ho$ AmYma na àmdYmZ H$a {X¶m OmVm h¡& g§^mì¶ Xo¶VmE§ (nm°{b{g¶m|H$mo N>mo‹S>H$a), ¶{X ‘hËdnyU© hmo, {Q>ßn{U¶m| Ûmam Xem©¶r OmVr h¢& g§^mì¶
n[ag§n{Îm¶m| H$mo {dÎmr¶ {ddaUm| ‘| ‘mÝ¶Vm Zht Xr OmVr Am¡a Z hr Xem©¶m OmVm h¡&
172
172
61 st Annual Report
8. Liability for Life Policies:

The liabilities towards Policyholders are determined by the Corporation’s Appointed Actuary pursuant to his annual investigation of
the Corporation’s life insurance business.
9. Foreign Currency Transactions:
a) Life Fund relating to foreign business has been invested according to the statutory regulations of the respective countries.
b) Financial Statements of branches in foreign countries as at the year end are prepared in accordance with local laws and are
translated at appropriate rates of exchange except for Suva (Fiji) branch, for which the conversion is done at appropriate rates,
from the financial statement as at 31st December, each year, since the accounts of the branch are prepared on calendar year
basis.
c) The exchange difference arising on account of the above is accounted for as per generally accepted accounting practice.
d) Investments made outside India by remittances sent from India are accounted for at original rupee cost or at the earliest
recorded rupee cost, where original cost is not available.
10. Asset Classification and Provisioning for Non-Performing Assets:
a) Assets representing Loans, Debentures and Bonds and Mortgage Loans against House Property are classified based on
record of recovery as:
i) Standard
ii) Sub-standard
iii) Doubtful and
iv) Loss Assets
As per the guidelines issued to Insurance Companies by Insurance Regulatory and Development Authority.
b) Provisioning for Non-Performing loans, debentures and bonds and Mortgage Loans against House Property is made as per the
guidelines issued by Insurance Regulatory and Development Authority.
11. Retirement Benefits:
a) Gratuity to employees is provided for (on the basis of Actuarial Valuation) through a Group Gratuity Insurance Policy issued by
the Corporation and as such, the liability in respect thereof, forms part of the Life Fund.
b) In respect of employees who have opted for Provident Fund Scheme, matching contribution is made to the Provident Fund
Trust.
c) In respect of employees who have opted for Pension Scheme, in lieu of Provident Fund Scheme, the Corporation’s contribution
is made to the Pension Fund Trust, in accordance with the Pension Rules notified by the Government of India and the said
contribution including past service contribution is made on the basis of Actuarial calculation.
d) Leave Encashment Benefits on retirement are provided for ( on the basis of Actuarial Valuation) through a Group Leave
Encashment Insurance Policy issued by the Corporation and as such, the liability in respect thereof, forms part of the Life Fund.
12. Provisions, Contingent Liabilities and Contingent Assets.
A Provision is made based on a reliable estimate when it is probable that an outflow of resources embodying economic benefits will
be required to settle an obligation. Contingent liabilities (other than policies), if material, are disclosed by way of notes. Contingent
assets are not recognized or disclosed in the financial statements.
173
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Jm¡a gh^m{JV ~r‘mAm| Ho$ A§VJ©V {b{IV A{YH$m§e g‘yh nm°{b{g¶m§ em{‘b hmoVr h¡& g§~Õ ì¶dgm¶ ‘| J¡a gh^m{JVm ~r‘m/n|eZ/ì¶{º$JV ñdmñW
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l ""â¶yMa ßbg VWm J«¡À¶wQ>r ßbg ¶moOZm (g‘yh ì¶dgm¶) Ho$ {bE 4 ’$ÊS> ¶Wm, ~m°ÊS> ’$ÊS>, BÝH$‘ ’$ÊS>, ~¡boÝñS> ’$ÊS> Ed§ J«moW ’$ÊS>.
l ""OrdZ ßbg'', ""‘Zr ßbg'', ""‘mH}$Q> ßbg'', ""’$m°aÀ¶wZ ßbg'', ""àm°{’$Q> ßbg'', ""‘Zr ßbg-1'', ""‘mH}$Q> ßbg-1'', ""MmB©ëS>
’$m°aÀ¶wZ ßbg'', OrdZ gmWr ßbg VWm EÝS>mo‘oÝQ> ßbg VWm Ý¶y EÝS>mo‘oÝQ> ßbg Bg àË¶oH$ ¶moOZm Ho$ {bE 4 ’$ÊS> VWm, ~m°ÊS> ’$ÊS>, go³¶moS>©
’$ÊS>, ~¡boÝgS> ’$ÊS> VWm J«moW ’$ÊS>
l doëW ßbg ¶moOZm Ho$ {bE 1 ’$ÊS> VWm, doëW ßbg ’$ÊS>
l g‘¥Õr ßbg ¶moOZm Ho$ {bE 1 ’$ÊS> VWm, g‘¥Õr ßbg ’$ÊS>
l hoëW ßbg ¶moOZm Ho$ {bE hoëW ßbg ’$ÊS> Am¡a ""hoëW àmoQ>o³eZ ßbg'' ¶moOZm Ho$ {bE hoëW àmoQ>o³eZ ßbg ’$ÊS>
l noÝeZ ßbg, E§ âbmop³g ßbg ¶moOZm Ho$ {bE 2 ’$ÊS> ¶Wm, {‘³ñS> VWm S>oQ>
174
174
61 st Annual Report
(B) NOTES TO ACCOUNTS

1. Contingent Liabilities:
Current Year Previous Year
a. Partly paid-up investments ` 20 Lakhs ` 20 Lakhs
b. Claims against the Corporation not acknowledged as Debts ` 1388 Lakhs ` 10988 Lakhs
c. Underwriting commitments outstanding Nil Nil
d. Guarantees given by or on behalf of the Corporation Nil Nil
e. Statutory demands/liabilities in dispute, not provided for ` 2305703 Lakhs `1566058 Lakhs
f. Reinsurance obligations to the extent not provided for Nil Nil
g. Others
Policy related claims under litigation `25816 Lakhs ` 25607 Lakhs
Claims under litigation other than policy holders `3293 Lakhs ` 16557 Lakhs
Transfer to Senior Citizen Welfare Fund* ` 3524 Lakhs NIL
* The above amount represents unclaimed amount of policyholders more than 120 months transferred to senior Citizen Welfare
Fund (SCWF) which is required to be shown as contingent liability as per IRDAI circular IRDA/F&A/CIR/Misc/173/07/2017.
Further as per the circular, in case insurer receives claims in respect of unclaimed amounts which have been transferred to the
SCWF, insurer may adjust the amount of such claims from the amounts due to be transferred to the SCWF.
2. Commitments made and outstanding for loans, investments and fixed assets as on 31.03.2018 aggregate to as follows:
(` in Lakhs)
2017-18 2016-17
Loans and Investment 380357.00 2091758.00
Fixed Assets 5863.96 5350.42
3. Actuarial Assumptions for valuation of Policy liabilities:

The Corporation’s Life Insurance Business consists of linked and non-linked business under Individual and Group contracts.
The non-linked business consists of Participating Assurance/Annuity/Pension policies and Non-participating Assurance/ Annuity/
Individual Health policies with majority of Group policies written under non-participating assurances. The linked business consists
of Non-participating Assurance/Pension/Individual Health policies with a very small proportion of linked assurance business written
under Group contracts. Some of these policies have riders attached to them such as Critical Illness, Premium Waiver Benefit, Term
Assurance and Accident Benefit, including Accidental Disability Benefit.
The Linked Non-Par Business consists of :
l 4 funds namely, Bond Fund, Income Fund, Balanced Fund and Growth Fund for each of Future Plus Plan and Gratuity Plus
Plan (Group Business)
l 4 funds namely, Bond Fund, Secured Fund, Balanced Fund and Growth Fund for each of the plans Jeevan Plus, Money Plus,
Market Plus, Fortune Plus, Profit Plus, Money plus1, Market plus1, Child Fortune Plus, Jeevan Sathi Plus, Endowment
Plus and New Endowment Plus.
l Wealth Plus fund for Wealth Plus Plan.
l Samridhi Plus fund for Samridhi Plus Plan
l Health Plus fund for Health Plus Plan and Health Protection Plus fund for Health Protection Plus Plan
l Mixed Fund and Debt Fund for Pension Plus Plan and Flexi Plus Plan.
175
31.3.2018 H$mo ¶WmpñW{V h‘mar nwñVH$m| na ì¶{º$JV Ed§ g‘wh nm°{b{g¶m| Ho$ {bE ‘yë¶m§H$Z g§~§Yr Xo¶Vm H$m n[aH$bZ ^mar gH$b àr{‘¶‘ ¶m
‘yë¶m§H$Z H$s nyd© bjr Ama{jV nÕ{V H$m BñVo‘mb H$aHo$ àË¶oH$ nm°{bgr Ho$ {bE ~r‘m§{H$H$ én ‘o§ {H$¶m OmVm h¡& gw{ZpíMV {H$¶m OmVm h¡ {H$ àË¶oH$
nm°{bgr Ho$ {bE Ama{jV {Z{YH$‘ go H$‘ Jm§Q>rH¥$V Aä¶n©U ‘yë¶ AWdm {deof Aä¶n©U ‘yë¶, Omo ^r CƒV‘ hmo, Ho$ g‘mZ h¡& ¶h ^r gw{ZpíMV
{H$¶m OmVm h¡ {H$ nm°{bgr Ho$ A§VJ©V Ama{jV {Z{Y àmá H$aVo hþE F$UmË‘H$ Ama{jV {Z{Y H$mo ""eyÝ¶'' {ZpíMV {H$¶m J¶m h¡& g§~Õ ì¶dgm¶ Ho$
A§VJ©V J¡a BH$mB© nm°{b{g¶m| Ho$ ~r‘m§H$Z H$s Xo¶Vm H$s JUZm H$Q>m¡Vr ZH$X àdmh VarHo$ go H$s OmVr h¡& Xo¶VmAm| H$s JUZm ã¶mO, ‘¥Ë¶yXa, AñdñWVm
Xa, ~moZg(Ohm§ bmJy hmo), ì¶¶ Ed§ ‘wÐmñ’$s{V Ho$ nydm©Zw‘mZm|na AmYm[aV hmoVr h¡& g‘yh ZH$Xr g§M¶Z ¶moOZmAm| Ho$ {bE Xo¶Vm H$mo 31 ‘mM© 2018
H$mo ¶WmpñW{V Eogr g^r ¶moOZmAm| Ho$ {Z{Y ‘yë¶ Ho$ én ‘| ‘mZm OmVm h¡& g‘yh ~r‘m ¶moOZmAm| Ho$ g§~§Y ‘| Xo¶Vm, EH$ df© H$s ZdrH$aU g‘yh Ad{Y
~r‘m àr{‘¶‘ Ho$ à{VeV Ho$ én ‘| {ZH$mbr OmVr h¡&
‘yëæmm§H$Z Ho$ {bE à¶wº$ ã¶mO Xa| ¶moOZm Ho$ àH$ma Ho$ AZwgma {^Þ-{^Þ h¡ Am¡a ‘ybmYma n[ag§n{Îm¶m| VWm Xo`VmAm| Ho$ ñdén Ed§ Ad{Y Ho$ AmYma
na 5.50% Am¡a 8.50% à. d Ho$ ~rM aIr JB© h¡& à¶wº$ ‘¥Ë¶y Xa| àH$m{eV ^maVr¶ ~r‘m§H¥$V OrdZ ‘¥Ë¶y Xa (2006-08) g§emo{YV A§{V‘
gmaUr Am¡a à{VH¥$V {dMbZ Ho$ {bE Jw§Om¶e hoVw àË¶m{eV AZw^dm| VWm Nw>Q>m| H$mo à{Vq~{~V H$aZo Ho$ {bE g‘m¶mo{OV EbAmB©gr dm{f©H$s J«mhr E
(1996-98) ¶wbQ>r ‘¥Ë¶y Xa gmaUr na AmYm[aV h¢& à¶wº$ AñdñWVm Xa| J§^ra é½UVm AmYma gmaUr (gr~rAmB©Q>r 93, ¶yHo$) na AmYm[aV h¡ {Ogo
AmB©AmaS>rEAmB© Zo ^maV ‘| à¶moJ Ho$ {bE AnZm {b¶m h¡& hoëW ßbmZ Ho$ {bE å¶w{ZH$ ar à^m{dV Xa| à¶wº$ H$s JB© h¡& BZ Xam| ‘| h‘mao à¶moJ Ho$
{bE ¶Wmo{MV g§emoYZ H$a {b¶m J¶m h¡, {ddoH$erbVm Ho$ {bE Jw§Om¶e Ho$ gmW& ‘yë¶m§H$Z Ho$ {bE ì¶¶ Ho$ nydm©Zw‘mZ H$m {hgm~ ¶m Vmo àr{‘¶‘m| Ho$
à{VeV ¶m nm°{bgr Ho$ AZwgma ¶m BZHo$ g§¶moOZ Ho$ én ‘| bJm¶m OmVm h¡& ‘yë¶m§H$Z Ho$ {bE BñVo‘mb {H$E JE à{V nm°{bgr nwZama§^ IM© ßbmZ Ho$
àH$ma Am¡a nm°{bgr H$s pñW{V Ho$ AZwgma {^Þ {^Þ hmoVo h¡Am¡a BgH$s a|O ` 155 à{V nm°{bgr go ` 930 à{V nm°{bgr h¡& Bg‘| 3 à{VeV à{Vdf©
H$s Xa go IM© ~T>Zo H$m AZw‘mZ bJm¶m J¶m h¡& nadVu àr{‘¶‘ g§~§Yr IMm} ‘| {à{‘¶‘ na bJZodmbr godm H$a gpå‘{bV h¡ Am¡a BgH$s a|O ßbmZ
Ho$ àH$ma na {Z^©a H$aVo hþE 0.03 à{VeV go 18.03 à{VeV VH$ h¡&
gh^m{JVm nm°{b{g¶m| H$m ‘yë¶m§H$Z H$aVo g‘¶ H$amYmZ Ho$ {bE Ny>Q> Am¡a eo¶aYmaH$m| H$mo A{Yeof H$m Am§~Q>Z, g§{dXm Ho$ Xm¡amZ eof Ho$ {bE Ama{jV
^mdr àË¶mdVu ~moZg H$mo C{MV T>§J go aoqQ>J An H$aVo hþE {H$¶m J¶m h¡& BgHo$ Abmdm àr{‘¶‘ A{YË¶mJ {hVbm^, XþJZm XþK©Q>Zm {hVbm^ ñWm¶r
Ae³¶Vm bm^ Ed§ XþJZm XþK©Q>Zm bm^ Ho$ {df¶ ‘o§ Xm{¶Ëd, àË¶n©Ur¶ A{V[aº$ àr{‘¶‘ Ed§ àË¶n©Ur¶ XþJwZm XþK©Q>Zm bm^ àr{‘¶‘ Ho$ {df¶ ‘| Xm{¶Ëd
àXÎm nm°{b{g¶m| Ho$ ZdrH$aU, àXÎm ‘wë¶ A{O©V Zm H$s hþB© nm°{b{g¶m| Ho$ nwZ:ñWmnZm, ZE ì¶dgm¶ Ho$ {bE H$m¶m©b¶ Ho$ ~§X hmo OmZo H$s pñW{V ‘|
ì¶¶ ‘| Vwa§V d¥{Õ, ES²>g (EMAmB©dr) Ho$ Omo{I‘ Ho$ H$maU A{V[aº$ ‘¥Ë¶y, Ad‘mZH$ OrdZ Ho$ {df¶ ‘| A{V[aº$ Omo{I‘ hmo JB© na§Vw gw{MV Z H$s
JB© ‘m¡Vm|, AmnmVH$mbrZ Am¡a ‘¥Ë¶y Xa ‘| gwYma Am¡a ‘hm {dn{Îm Ho$ {bE Ama{jV YZam{e H$m àmdYmZ {H$¶m J¶m h¡& D$na C{„{IV ‘Xm| Ho$ {bE
Ama{jV YZam{e {ZH$mbZo hoVw BñVo‘mb {H$¶ JE nydm©Zw‘mZ, {H$gr à{VHy$b {dnWZ Ho$ {bE ‘mO©Z H$s Ny>Q> XoH$a ‘yë¶m§H$Z H$s VmarI H$mo ¶WmpñWVr
nm°{b{g¶m| H$s ~H$m¶m Ad{Y¶m| Ho$ {bE ^mdr IMm} Ho$ {ddoH$nyU© ‘yë¶m§H$Z Ho$ AmYma na {ZYm©[aV {H$E JE Wo& BgHo$ Abmdm Hw$N> g§~Õ ßbm°Zmo Ho$
‘m‘bo ‘| Ohm§ n[an¹$Vm na EH$ Jma§Q>r h¡, Eogr Jma§Q>r H$s bmJV ñQ>moMpñQ>H$ nÕ{V H$m BñVo‘mb H$aHo$ {ZH$mbr JB© h¡& ~r‘m AH$mC§Q>& Am¡a VWm OrdZ
ñZoh ßbm°°Zmo Ho$ {bE ã¶mO Jma§Q>r H$s bmJV H$m àmdYmZ {H$¶m J¶m h¡& Eogo ßbmZm| Ho$ {bE Ohm§ {dH$ën ‘m¡OyX hmo {OÝh| nm°{b{gYmaH$m| Ûmam MwZm Om
gH$Vm h¡, Eogr pñW{V ‘| g~go AÀN>o {dH$ën H$mo BZ {dH$ënm| H$m ‘yë¶m§H$Z H$aZo Ho$ {bE {b¶m J¶m h¡& O¡go {H$ AmB©AmaS>rEAmB© Ûmam eV} aIr JB© h¡,
ì¶{º$JV g§~§Õ nm°{bgr`mo§ Ho$ ‘m‘bo ‘o ^mdr {d{Z¶moOZ Ho$ {bE {Z{Y H$m àmdYmZ {H$¶m J¶m h¡& OrdZ ~r‘m ì¶dgm¶ Ho$ ‘yë¶m§H$Z Ho$ n[aUm‘ñdén
{ZH$br A{Yeof YZam{e H$mo OrdZ ~r‘m A{Y{Z¶‘ 1956 H$s Ymam 28, {Ogo g§gX Ûmam g§emo{YV {H$¶m J¶m Wm Am¡a 29 ‘mM© 2012 Ho$ AnZr
amOnÌ A{YgyMZm Ho$ A§VJ©V ^maV gaH$ma Ûmam bmJy {H$¶m J¶m Wm, Ho$ Cn~§Ym| Ho$ AZwgma Am~§{Q>V H$a {X¶m J¶m h¡& A{Y{Z¶‘ H$s g§emo{YVH$ Ymam
‘| ¶h Cn~§Y {H$¶m J¶m h¡ {H$ Bg àH$ma H$s A{Yeof YZam{e H$m 90 à{VeV ¶m Bggo A{YH$, Omo ^r H|$Ð gaH$ma AZw‘mo{XV H$a|, nm°{b{gYmaH$m| H$mo
Am~§{Q>V {H$¶m OmEJm ¶m CZHo$ {bE Ama{jV {H$¶m OmEJm& {XZm§H$ 13 Zd~§a, 2013 Ho$ nÌ Ho$ A§VJ©V ^maV gaH$ma Zo ^m.Or.{~.{Z. H$mo 95…5 H$s
AZwnmV H$mo ^{dî¶ ‘o§ H$‘ H$a 90:10 H$aZo H$s Zå¶Vm gwa{jV aIVo hþE 95:5 Ho$ AZwnmV dmbo dV©‘mZ A{Yeof n¡Q>Z© {Og‘| 95% nm°{b{gYmaH$mo
H$mo {d{Z¶mo{OV H$s OmVr h¡ H$mo Omar aIZo H$s AZw‘Vr Xr h¡&
4. n[aMmbZ ì¶¶-ì¶dgm¶ Ho$ {d{^Þ àIÊS>m| ‘| IM© Ho$ Am~§Q>Z Ho$ AmYma (31.03.2018 VH$ Ho$ ‘yë¶m§H$Z Ho$):
Ag§~Õ gh^mJr, Ag§~Õ J¡a-gh^mJr, gm‘mÝ¶ dm{f©{H$¶m±, n|eZ, g‘yh ì¶dgm¶, BH$mB© g§~Õ ì¶dgm¶, ny± ‘mo ({Z. dm. g{hV) ì¶dgm¶ Ed§ d[að>
n|eZ ~r‘m ¶moOZmHo$ g§~§Y ‘| n[aMmbZ IM© Ho$ Am§~Q>Z H$m AmYma {ZåZ h¡:
H$) do IM©, {OZH$m AnZo ì¶dgm¶ go grYo nVm bJm¶m Om gH$Vm h¡ CZH$m Am~§Q>Z dmñV{dH$ AmYma na {H$¶m OmVm h¡&
I) AÝ¶ IM} {OZH$m AnZo ì¶dgm¶ go àË¶j nhMmZ Zht hmo gH$Vr CZH$m Am~§Q>Z gm‘mÝ¶ nyb go {ZåZ{b{IV ‘| go {H$gr Ho$ AmYma na ¶m BZHo$
g§¶moOZ Ho$ AmYma na {H$¶m J¶m h¡:
1. nm°{bgr¶m| H$s g§»¶m
2. Hw$b g§J¥hrV àr{‘¶‘
3. ~r{‘V am{e
Am§~Q>Z H$s {d{Y H$m {ZU©¶ IMm] Ho$ ñdê$n Ho$ AmYma na {H$¶m OmVm h¡ Am¡a ì¶dgm¶ H$mo ha bmBZ na ì¶¶ Ho$ dJm] na AmYm[aV nhMmZ ¶mo½¶
n¡am‘rQ>a bmJy {H$E OmVo h¡&
{d{^Þ ì¶dgm¶ àIÊS>m| Ho$ ~rM gm‘mÝ¶ IM© H$m Am~§Q>Z {Z¶wº$ ~r‘m§H$H$ Ûmam ¶Wm à‘m{UV hmoVm h¡&
176
176
61 st Annual Report
The Valuation liability for Individual and Group policies on our books as at March 31, 2018 has been calculated actuarially for each
policy by using prospective gross premium or retrospective reserve method of valuation. It is ensured that the reserve for each policy
is at least equal to the guaranteed surrender value or special surrender value whichever is higher. It is also ensured that negative
reserve is set to zero while arriving at the reserve under a policy. The unit liability in respect of Linked business is taken as the
total Net Asset Value of the units as on the date of valuation. The non unit liability under the linked business is calculated using the
discounted cash flow method. The liabilities are calculated based on the assumptions for interest, mortality, morbidity, expenses,
inflation and bonuses wherever applicable. The liability for Group Cash Accumulation schemes has been taken as the fund value of
all such schemes as at 31st March 2018. The liability in respect of Group Insurance schemes has been arrived at as a percentage
of one year renewal group term assurance premium.
The interest rates used for valuation vary according to the type of plan and it ranges from 5.50% to 8.50% p.a. depending on the
nature and term of the underlying assets and liabilities. The mortality rates used are based on the published Indian Assured Lives
Mortality (2006-08) modified ultimate table and LIC annuitants’ mortality a(1996-98) ult mortality table adjusted to reflect expected
experience and allowance for margin for any adverse deviation. Morbidity rates used are based on the Critical Illness Base Table
(CIBT 93, UK) which has been adopted by IRDAI for use in India. Incidence rates for health plans are based on the reinsurer’s
incidence rates (Munich Re and Swiss Re) and these rates have been suitably modified for our use with margins included for
prudence.
The expense assumption for valuation was arrived at either as a percentage of premiums or as per policy or a combination of
these. The renewal per policy expenses used for valuing individual business vary according to the type of plan and status of the
policy and it ranges from `155 per policy to `930 per policy with an assumption for expense inflation at 3% p.a. Renewal Premium
related expenses in respect of individual business includes service tax on premium wherever applicable and ranges from 0.03% to
18.03% depending on the type of plan.
While valuing Participating policies, the allowance for taxation and allocation of surplus to shareholders has been made by appropriately
rating up future reversionary bonuses reserved for the balance duration of the contract. Additionally, reserves have been provided
for liability in respect of premium waiver benefit, double accident benefit including permanent disability benefit, liability in respect
of refundable extra premium and refundable double accident benefit premium, revival of paid up policies, reinstatement of policies
which have not acquired paid up value, immediate increase in expenses in case the office is closed for new business, additional
death strain due to AIDS/HIV, extra risk in respect of sub-standard lives, incurred but not reported deaths (IBNR), catastrophe and
improvement in mortality. The assumptions used for arriving at the reserves for above mentioned items were determined based on
a prudent assessment of the future experiences for the outstanding durations of the policies as at the date of valuation allowing for
margin for any adverse deviation. Further, in case of linked plans, where there is a guarantee at maturity, cost of such guarantee
has been arrived at using stochastic methods. For Plans Bima Account I & II and Jeevan Sneha, the cost of interest guarantee has
been provided. For plans where there are options which can be exercised by the policyholders, the most onerous option has been
taken for valuing these options.
As stipulated by IRDAI, Fund for Future Appropriations (FFA) has been provided in case of individual linked policies.
Surplus emerging as a result of valuation of life insurance business has been allocated in accordance with the provisions of Section
28 of the LIC Act, 1956 which was amended by Parliament and given effect to by the Government of India vide its Gazette notification
dated 29th of March, 2012. The amended section of the Act provides that 90% or more of such surplus, as the Central Government
may approve, shall be allocated to or reserved for the policyholders. Government of India, vide letter dated 13th November, 2013,
have allowed LIC to continue with the existing surplus distribution pattern of 95:5 by allocating 95% to policyholders while retaining
the flexibility to reduce it to 90:10 in future.
4 Operating Expenses: Basis of allocation of expenditure to various segments of business (for Valuation as at 31.03.2018)
Operating Expenses relating to life insurance business are allocated to Non-Linked Participating, Non-Linked Non-Participating,
General Annuities, Pensions, Health, Group Business, Unit Linked Business, CRAC and VPBY business on the basis of:
a. Expenses which are directly identifiable to the respective lines of business have been allocated to these lines of business on
actual basis, and
b. Other Expenses which are not directly identifiable to the respective lines of business are allocated out of the common pool on
the following basis or a combination of these:
i. Number of policies
ii. Total premium income
iii. Sum assured
Allocation of common expenses among various lines of business is based on the approved expense policy of the Corporation.
177
5. nm°{bgrYmaH$m| Ho$ ImVo Ed§ eo¶aYmaH$m| Ho$ ImVo Ho$ ~rM {Zdoem| Ho$ Am~§Q>Z H$m AmYma Ed§ Cg na Am¶:
eo¶aYmaH$m| Ho$ VWm nm°{bgrYmaH$m| Ho$ {Zdoem|na àmá Am¶ g§~§{YV {Z{Y ‘| gpå‘{bV {H$¶m J¶m h¡&
àMmbZ go CnbãY {Zdoe ¶mo½¶ A{Yeof VWm nm°{bgrYmaH$m| Ho$ {Zdoem| go àmá Am¶ H$mo nm°{bgrYmaH$m| H$s {Z{Y ‘| gpå‘{bV {H$¶m J¶m h¡& df© Ho$
Xm¡amZ eo¶aYmaH$m| H$s {Z{Y H$s d¥{Õ H$mo eo¶aYmamoH§$ H$s {Z{Y ‘| em{‘b {H$¶m J¶m h¡&
6. n[aemoYZ Ho$ AmYma :
H$) F$U à{V^y{V¶m±:
BH$mB© g§~Õ ì¶dgm¶, Ohm± g^r F$U à{V^y{V¶m± ^m ~r dr àm. Ho$ {Xem {ZX}em| Ho$ AZwgma ~mOma ‘yë¶ na Xem©E JE h¡, Ho$ Abmdm AÝ¶, g^r
àH$ma Ho$ ì¶dgm¶ go gå~pÝYV gaH$mar à{V^y{V¶m| g{hV g^r F$U à{V^y{V¶m| Ho$ ‘m‘bm| ‘|, dhr ‘yë¶ A§{H$V ‘yë¶ go A{YH$ hmoZo na Cgo
Ym[aVm / n[an¹$Vm H$s eof Ad{Y Ho$ {bE, A{Y‘yë¶ g‘m§Va AmYma na n[aemo{YV {H$¶m J¶m h¡&
I) {d‘moÀ¶ A{Y‘mZr eo¶a:
g^r dJm] H$s ì¶dgm¶ ‘| Ohm± Zhr ‘yë¶ A§{H$V ‘yë¶ go A{YH$ h¡, A{Y‘yë¶, Ym[aVm n[an¹$Vm H$s eof Ad{Y Ho$ {bE g‘m§Va AmYma na
n[aemo{YV {H$¶m J¶m h¡&
7. {Zdoe g§n{Îm Ho$ nwZ‘w©ë¶m§H$Z H$m AmYma :
{Zdoe g§n{Îm Ho$ ‘yë¶ H$m ha VrZ df© ‘| EH$ ~ma nwZ‘w©ë¶m§H$Z {H$¶m OmVm h¡& gån{Îm¶m| ({Zdoe Ed§ ñd¶§)H$m nwZ‘w©ë¶m§H$Z {dÎmr¶ df© 2016-17 Ho$
Xm¡amZ {H$¶m J¶m Wm&
gån{V¶m| H$m nwZ‘w©ë¶m§H$Z {ZåZ AmYma na {H$¶m J¶m h¡
Ohm± na gån{Îm H$m ‘w»¶ {hñgm AWm©V {Z{‘©V ^mJ H$m 75% go A{YH$ ñd¶§ ¶m {H$am¶o hoVy Cn¶moJ {H$¶m OmVm h¡ Vmo Eogr gån{Îm H$m ‘yë¶m§H$Z Cgo
EH$ BH$mB© ‘mZH$a CgHo$ ‘w»¶ Cn¶moJ Ho$ AmYma na {H$¶m Om¶oJm& BZ ‘m‘bmo ‘| ‘wë¶m§H$Z Ho$ {bE ¶m Vmo {H$am¶m "ny§OrH$aU {d{Y' AWdm "^y{‘ Ed§
^dZ' {d{Y H$m Cn¶moJ {H$¶m OmVm h¡& ‘yë¶m§H$Z Ho$ ~mX gån{Îm Ho$ g§ånyU© ‘yë¶ H$mo {Zdo{eV gån{Îm Ed§ñd¶§ Ho$ Cn¶moJdmbr gån{Îm ‘| AmZynm{VH$
ê$ngo {Z{‘©V joÌ Ho$ AmYma na {d^m{OV {H$¶m OmVm h¡&
8. Ad{Y-nyd© ‘X :
{dÎmrV¶ df© 2017-2018 H$s Am¶ ‘| {ZåZ{b{IV Ad{Y-nyd© ‘Xm| H$m g‘mdoe h¡:
(` bmI ‘|)
{ddaU Mmby df© {nN>bo df©
{Zdoe Ho$ gån{Îm go Am¶ 261.60 0.00
AÝ` nmd{V 38.46 0.00
Hy$b 300.06 0.00
{dÎmr¶ df© 2017-18 Ho$ ì¶¶m| ‘| {ZåZ{b{IV Ad{Y-nyd© ‘Xm| H$m g‘mdoe h¡:
(` bmI ‘|)
XþéñVr Ed§ AZwajU 47.79 92.17
{dÚwV à^ma 17.18 5.02
{H$am¶m, ñWmZr¶ Xa Ed§ AÝ¶ H$a 142.96 7.80
d¡ÚH$s¶ ewëH$ 13.43 2.41
^ËVo Ed§ H$_reZ 5.83 0.42
’w$Q>H$a ì¶¶ 13.36 0.00
‘yë¶èhmg 10.71 0.28
¶mÌm, n[adhZ VWm dmhZ n[aMmbZ ì¶¶ 0.00 0.33
gåàofU ì¶¶ 4.50 0.24
godm H$a 0.71 0.00
178
178
61 st Annual Report
5. Basis of allocation of investments and income thereon between Policyholders’ Account and Shareholders’ Account:
Income accruing on investments held in Policyholders’ and Shareholders’ funds have been taken to the respective funds.
The investible surplus, arising out of operations and income on Policyholders’ investments, was invested in Policyholders’ account.
The accretions to shareholders’ fund during the year stands invested in shareholders’ fund.
6. Basis of Amortisation of:
(a) Debt securities:
In respect of all debt securities including Government Securities, where the book value is more than the face value, the
premium has been amortised on straight line basis over the balance period of holding/maturity in all classes of business except
Unit Linked Business where all the debt securities have been shown at market value in terms of the IRDA guidelines.
(b) Redeemable Preference Shares:
Where the book value is more than the face value, the premium has been amortised on the straight line basis over the balance
period of holding/ maturity in all classes of business.
7. Basis of revaluation of investment property
Investment property is revalued once in every three years. The revaluation of properties (both Investment and own) has been carried
out in the financial year 2016-17. The basis adopted for revaluation of property is as under:
In case where the major portion i.e. more than 75% of the built up area is either for self use or for letting out, the valuation has to be
done for the whole property in one method, treating the whole property as one, depending upon the majority type of occupancy. The
Method to be adopted in this case would be either Rent Capitalization method or Land & Building Method. But after revaluation, total
value to be distributed to Investment & own portion proportionately against BUA.
8. Prior Period Items:
The income for the F.Y. 2017-2018 includes following Prior period items mentioned below:
(`. in Lakhs)
Particulars Current Year Previous Year
Rent from tenants/licensees 261.60 0.00
Other receipt 38.46 0.00
Total 300.06 0.00
The expenses for the F.Y. 2017-2018 includes following Prior period items mentioned below:
(` in Lakhs)
Repair & Maintenance 47.79 92.17
Electricity charges 17.18 5.02
Rent, Rates & taxes 142.96 7.80
Medical Fees 13.43 2.41
Allowances & Commission 5.83 0.42
Miscellaneous Expenses 13.36 0.00
Depreciation 10.71 0.28
Travel, Conveyance and Vehicle running expenses 0.00 0.33
Communication expenses 4.50 0.24
Service Tax 0.71 0.00
179
{dkmnZ Ed§ àMma 0.00 24.92

Am§V[aV nwZ~u‘m 19.26 13.43
nam_e© ewëH$ 0.00 1.00
{Z{Y à~ÝYZ ewëH$ 56.12 47.46
g§~Õmo Ho$ {bE nm{al{_H$ 1.24 0.00
AÝ` H$_©Mmar gw{dÜmmE§ 0.83 0.00
B© Sr E_ Eg ^wJVmZ 6.31 0.00
A{YH$mar`mo§ Ho$ {bE n«moËgmhZ 0.34 0.00
AZ{Y`m{MV am{e na ã`mO Ho$ {bE n«mdYmZ 514.11 0.00
Hw$b 854.68 195.48
My§{H$ Cº$ C{ëb{IV Ad{Y-nyd© _Xmo§ H$m n«^md _hËdnyU© Zhr§ h¡, AV: CÝho§ amOñd boIm _o§ n¥WH$ êŸn go n«X{e©V Zhr§ {H$`m J`m h¡§&
9. Xmdo§ :
VwbZ-nÌ H$s VmarI H$mo 6 ‘{hZo go A{YH$ Ho$ g‘m¶mo{OV Ed§ AXm Z {H$E JE Xmdo (à~§YZ Ûmam ¶Wm à‘m{UV)
g§»¶m am{e (` bmI ‘|)
Mmby df© {nN>bo df© Mmby df© {nN>bo df©
‘¥Ë¶y Xmd| 17638 13872 3641.60 3539.36
n[an¹$Vm Xmd| 1809075 1154302 209875.11 168071.98
10. A) ~H$m¶m Ed§ nm°{ggrYmaH$m| Ûmam Xmdm Z H$s JB© am{e¶m| Ho$ Am¶w-dma {díbofU H$m {ddaU
(` bmI ‘|)
{ddaU Hw$b am{e Am¶w-dma {díbofU
0-1 ‘{hZo 1-6 ‘{hZo 7-12 ‘{hZo 13-18 ‘{hZo 19-24 ‘{hZo 25-30 ‘{hZo 31-36 ‘{hZo 36 ‘{hZo go
A{YH$
{ZnQ>mE JE, na§Vw ~r{‘V ì¶{º$/ 32020.33 4402.23 8864.11 4453.48 5051.70 1965.06 1347.76 1018.05 4917.94
nm°{bgrYmaH$m| Ûmam {H$E JE

‘wH$X‘o Ho$ H$maU H$mo N>moS>H$a AÝ¶
H$maUm|de nm°{bgrYmaH$m|/~r{‘V
ì¶º$r H$mo ^wJVmZ Z {H$E JE Xmdo
~r{‘V ì¶{º$ /nm°{bgrYmaH$m| H$mo 873000.31 105569.56 440775.04 71069.19 86154.54 47934.98 46997.03 25723.29 48776.68
n[an¹$Vm AWdm AÝ¶ én go Xo¶

am{e
àr{‘¶‘/H$a AWdm {H$gr AÝ¶ 103711.12 8514.73 16853.70 15913.13 14569.34 9327.43 9429.05 14099.05 15004.69
à^mamo§ H$s A{V[aº$ dgybr,

{OgH$m à{VXm¶, nm°{bgrYmaH$m|
H$mo, nm°{bgr Ho$ {Z~§YZ Ed§ eVm}
Ho$ AZwgma AWdm à{YH$mar Ho$
{ZX}em| Ho$ AZwgma {H$¶m OmZm h¡,
na§Vw A^r VH$ Zht {H$¶m J¶m h¡&
Omar {H$E JE na§Vw 42169.81 6578.74 4059.15 4628.58 4638.34 2944.71 2907.20 3150.48 13262.61
nm°{bgrYmaH$/~r{‘V ì¶{º$ Ûmam

^wZmE Zht JE MoH$
180
180
61 st Annual Report
Advertisement & Publicity 0.00 24.92

Reinsurance ceded 19.26 13.43
Consultancy Fees 0.00 1.00
Fund Management Charges 56.12 47.46
Remuneration to Associates 1.24 0.00
Other Staff Amenities 0.83 0.00
EDMS Payments 6.31 0.00
Special Incentive to officials 0.34 0.00
Provision for Interest on Unclaimed Amount 514.11 0.00
Total 854.68 195.48
The above mentioned prior period items have not been disclosed separately in the Revenue account as the impact of the same is
not material.
9. Claims
The claims settled and remaining outstanding for a period of more than 6 months as on the balance sheet date: (As certified by the
Management).
Number Amount (` in Lakhs)

Current Year Previous Year Current Year Previous Year
Claims by death 17638 13872 3641.60 3539.36
Claims by maturity 1809075 1154302 209875.11 168071.98
10. a) Statement showing the Age-wise Analysis of Unclaimed amounts of the Policyholders:
(` in Lakhs)
Particulars Total AGE WISE ANALYSIS
Amount
0-1 months 1-6 months 7-12 13-18 19-24 25-30 31-36 Beyond 36
months months months months months months
Claims Settled but not paid 32020.33 4402.23 8864.11 4453.48 5051.70 1965.06 1347.76 1018.05 4917.94
to the policyholders/ insured
due to any reasons except
under litigation from the
insured/ policyholders
Sum due to the insured/ 873000.31 105569.56 440775.04 71069.19 86154.54 47934.98 46997.03 25723.29 48776.68
policyholders on maturity or
otherwise
Any excess collection of the 103711.12 8514.73 16853.70 15913.13 14569.34 9327.43 9429.05 14099.05 15004.69
premium/ tax or any other
charges which is refundable
to the policyholders either
as terms of conditions of the
policy or as per law or as per
law or as may be directed by
the Authority but not refunded
so far
Cheques issued but 42169.81 6578.74 4059.15 4628.58 4638.34 2944.71 2907.20 3150.48 13262.61
not encashed by the
policyholder/insured
181
A) Xmdm Z {H$E JE am{e Am¡a {Zdoe Am` H$m {ddaU \$m_©-gr

(` bmI ‘|)
{ddaU Mmby {dÎmr` df© {nN²bm {dÎmr` df©
àma§{~H eof 795187.02 688430.37
Omo‹So§: AZ{Y`m{MV {Z{Y _o§ ñWmZm§V{aV am{e 424028.00 419305.12
Omo‹So§: A{Zdm`© am{e go Omar MoH , bo{H Z nm°{bgrYmaH mo§ Ûmam ZH X Zht {H `m J`m (Ho db V^r 1141.24 0
em{_b {H `m OmZm Mm{hE O~ MoH ~oH ma hmo MwH r hmo)
Omo‹So§: AZ{Y`m{MV {Z{Y na {Zdoe Am` 73297.85 27337.41
H _: df© Ho Xm¡amZ ^wJVmZ {H E JE Xmdmo§ H r am{e 239229.02 339885.88
H _: EggrSãë`yE\ (SCWF) _o§ ñWmZm§V{aV am{e (nhbo ñWmZm§V{aV am{e Ho g§~§Y _o§ ^wJVmZ {H E 3523.52 0
JE Xmdmo§ H m ewÕ)
AZ{Y`m{MV am{e \§ S H r g_mnZ eof am{e 1050901.57 795187.02
11. ^maV ‘| Am¡a ^maV Ho$ ~mha {ZJ‘ H$s ^m[aV n[ag§n{Îm¶m§ (à~§Y Ûmam à‘m{UV)
ñWmZr¶ H$mZyZm| Ho$ A§VJ©V O‘m {H$E OmZo Ho$ {bE Ano{jV gr‘m VH$ ¶m AÝ¶Wm ^m[aV n[ag§n{Îm¶m : ~r‘m A{Y{Z¶‘, 1938 H$s Ymam 7 Ho$ A§VJ©V
O‘m YZam{e¶m§ : eyÝ¶
12. ~H$m¶m g§{dXmAm| H$m ‘yë¶:
Ag§~Õ ì¶dgm¶ Ho$ g§~§Y ‘|:
(H$) Iar{X¶m± {OZ‘| n[aXmZ b§{~V hmo ` 55846 bmI ({nN>bo df© ` 142728 bmI)
(I) {~«{H«$¶m± {OZ ‘| AXmMm[a¶m± A{VXo¶ hmo ` 40850 bmI ({nN>bo df© ` 107395 bmI)
no§eZ ì`dgm`, hoëW ì`dgm` VWm n±§y._mo. ({Z.dm. g{hV)ì`dgm` Ho$ g§~§Y _o§ {Zdoe go g§~§{YV H$moB© ^r g§{dXm ~H$m`m Zhr§ Wr&
g§~Õ ì¶dgm¶ Ho$ g§~§Y ‘|:
(H$) Iar{X¶m± {OZ‘| n[aXmZ b§{~V hmo ` 5225 bmI ({nN>bo df© ` 8233 bmI)
(I) {~«{H«$¶m± {OZ ‘| AXmMm[a¶m± A{VXo¶ hmo ` 12316 bmI ({nN>bo df© ` 33851 bmI)
13. AÜ¶j Ed§ à~§Y {ZXoeH$m| H$mo à~§YH$s¶ nm[al{‘H$ :
(` bmI ‘|)
Mmby df© {nN>bo df©
doVZ Ed§ ^Îmo 137.99 76.19
n|eZ ‘| {ZJ‘ H$m A§eXmZ 12.69 8.47
n[abpãY¶m| H$m H$a¶mo½¶ ‘yë¶ 39.97 15.25
Cn`w©º$ nm{al{_H$ _o§ godm{Zd¥{Îm bm^ em{_b Zhr§ h¡ O¡go CnXmZ Am¡a NwÅr ZH$XrH$aU Omo nwñVH$mo§ _o§ Cnm{O©V/^wJVmZ hmoVo h¡&
14. H$) Ag§~Õ ì¶dgm¶ Ho$ C{MV ‘wë¶ AmYma na ‘yë¶m§{H$V B{¹$Q>r eo¶am| d gh¶moJ {ZYr ‘| {Zdoem| H$s Eo{Vhm{gH$ bmJV :
(` bmI ‘|)
OrdZ, dm{f©H$s Ed§ g‘yh ¶moOZmE§ …-
B{¹$Q>r 36145523 30297769
gh¶moJ {Z{Y {Zdoe 321288 2156927
I) g§~§Õ ì¶dgm¶ Ho$ C{MV ‘wë¶ AmYma na ‘yë¶m§{H$V {Zdoem| H$mo Eo{Vhm{gH$ bmJV:
(` bmI ‘|)
B{¹$Q>r eo¶a 3888644 4947874
gaH$mar à{V^y{V¶m± 3254755 321790
182
182
61 st Annual Report
b) Details of Unclaimed Amount and Investment Income Form - C

(` in Lakhs)
Particulars Current Financial Previous Financial
year Year
Opening Balance 795187.02 688430.37
Add: Amount transferred to Unclaimed Fund 424028.00 419305.12
Add: Cheques issued out of the unclaimed amount but not encashed by the policyholders (To be included only when 1141.24 0
the cheques are stale)
Add: Investment Income on Unclaimed Fund 73297.85 27337.41
Less: Amount of claims paid during the year 239229.02 339885.88
Less: Amount transferred to SCWF (net of claims paid in respect of amounts transferred earlier) 3523.52 0
Closing Balance of Unclaimed Amount Fund 1050901.57 795187.02
11. Encumbrances to assets of the Corporation in and outside India (As certified by the Management):
Assets, to the extent required to be deposited under local laws or otherwise encumbered: NIL
12. Value of contracts in relation to Investments:
In respect of Non- Linked business:
(a) Purchases where deliveries are pending ` 55846 Lakhs (previous year ` 142728 Lakhs)
(b) Sales where payments are overdue `40850 Lakhs (previous year ` 107395 Lakhs)
There were no contracts outstanding in relation to investments in respect of Pension business, Health Business and CRAC business.
In respect of Linked business:
(a) Purchases where deliveries pending ` 5225 Lakhs (Previous Year ` 8233 Lakhs)
(b) Sales where payments are overdue ` 12316 Lakhs (Previous Year ` 33851 Lakhs)
13. Managerial Remuneration to Chairman & Managing Directors:
` in Lakhs
Salaries & Allowances 137.99 76.19
Corporation’s contribution to Pension 12.69 8.47
Taxable Value of Perquisites 39.97 15.25
The above remuneration excludes retirement benefits such as gratuity and leave encashment which would have accrued/paid in
the books.
14. (a) Historical cost of investments in Equity Shares and Mutual fund valued on fair value basis for Non Linked Business is as under:
` in Lakhs

Life, Annuity and Group Schemes:
Equity 36145523 30297769
Mutual Fund Investments 321288 2156927
(b) Historical cost of investments valued on fair value basis of Linked Business is as under:
` in Lakhs
Equity Shares 3888644 4947874
Government Securities 3254755 321790
183
J) ny±Or ‘moMZ VWm {ZYm©[aV dm{f©H$s g{hV C{MV ‘yë¶ AmYma na ‘yë¶m§{H$V B{¹$Q>r eo¶am| ‘| {Zdoem| H$s Eo{Vhm{gH$ bmJV:
(` bmI ‘|)
B{¹$Q>r eo¶a ímyÝ¶ ímyÝ¶
15. boIm {Z{V¶m± 15 (gwYm[aV 2005) H$‘©Mmar {hVbm^ Ho$ AZwgma boIm {Z{V¶m| ‘| n[a^m{fV {H$E hþE H$‘©Mmar {hVbm^ Ho$ g§~§Y ‘|
CX²²KmQ>rV {df¶ {ZåZ{b{IV h¡:
H$) 31.03.2018 VH$ H$s H$‘©Mmar J«°À¶wBQ>r Xo¶Vm H$s {JZVr :
Bg Xm{¶Ëd H$m dV©‘mZ ‘yë¶ ~r‘m§H$Z ‘yë¶m§H$Z na AmYm[aV, àñVm{dV B©H$mB© O‘m nÕVr go {ZpíMV {H$¶m J¶m h¡&
I nydm©Zw‘mZ 31.3.2018 31.3.2017
[a¶m¶Vr Xa 8.00% 8.00%
¶mo{OV n[ag§n{Îm¶m| na bm^ H$m Xa 8.00% 8.00%
doVZ ‘| d¥{Õ 6.00% 6.00%
H$‘©Mm[a¶m| Ho$ Cd©[aV-H$m¶©H$mb H$m Ano{jV Am¡gV (df©) 11.72 12.19
II. Xm{¶Ëdm| Ho$ dV©‘mZ ‘yë¶m| ‘| hmoZodmbo n[adV©Z Xem©Zodmbr gyMr:

(` H$amo‹S ‘|)
31.3.2018 31.3.2017
df© H$s ewê$AmV VH$ Ho$ Xm{¶Ëdm| H$mo dV©‘mZ ‘yë¶ 6487.73 6102.37
A{YJ«hU g‘m¶moOZ - -
ã¶mO bmJV ‘yë¶ 519.02 503.45
JV godm bmJV ‘yë¶ 1238.22 -
dV©‘mZ godm bmJV ‘yë¶ 321.91 293.95
g§{já bmJV ‘yë¶/(O‘m) - -
{ZnQ>mam bmJV ‘yë¶/(O‘m) - -
AXm {H$¶m J¶m bm^ (306.72) (256.61)
Xm{¶Ëdm|na ~r‘m§H$Z(bm^)/hm{Z 2767.10 (155.43)
df© Ho$ A§V VH$ Ho$ Xm{¶Ëdm| H$m dV©‘mZ ‘yë¶ 11027.25 6487.73
III. ¶mo{OV n[ag§n{Îm¶m| Ho$ ghr ‘yë¶ ~Xb Xem©Zodmbr gyMr :

(` H$amo‹S ‘|)
31.3.2018 31.3.2017
df© H$s ewê$AmV ‘| ¶mo{OV n[ag§n{Îm¶m| H$m ghr ‘yë¶ 6487.73 6102.37
¶mo{OV n[ag§n{Îm¶m| na Ano{jV bm^ 519.02 503.45
A§eXmZ 4317.00 98.00
AXm {H$¶m J¶m bm^ (306.72) (256.61)
¶mo{OV n[ag§n{Îm¶m§ na ~r‘m§H$Z bm^/(hm{Z) 10.22 40.52
df© Ho$ A§V VH$ Ho$ Xm{¶Ëdm| H$m ghr ‘yë¶ 11027.25 6487.73
184
184
61 st Annual Report
(c) Historical cost of investments in Equity Shares valued on fair value basis of Capital Redemption & Annuity Certain is as under:
` in Lakhs
Equity Shares NIL NIL
15. As per Accounting Standard 15 (revised 2005) “Employee Benefits” the disclosures of Employee Benefits are given below:
A) Employees’ Gratuity Liability Calculation as at 31.3.2018:
The present value of the obligation and current service cost is determined based on actuarial valuation using the Projected Unit
Credit Method.
I. Assumptions: 31.3.2018 31.3.2017
Discount Rate 8.00% 8.00%
Rate of return on Plan Assets 8.00% 8.00%
Salary Escalation 6.00% 6.00%
Expected Average remaining working lives of employees (years) 11.72 12.19
II. Table showing changes in Present Value of Obligations:
(` in crore)
31.3.2018 31.3.2017
Present Value of obligation as at the
Beginning of the year 6487.73 6102.37
Acquisition adjustment - -
Interest Cost 519.02 503.45
Past service Cost 1238.22 -
Current service Cost 321.91 293.95
Curtailment Cost/ (Credit) - -
Settlement Cost/ (Credit) - -
Benefits paid (306.72) (256.61)
Actuarial (gain)/loss on obligations 2767.10 (155.43)
Present Value of obligation as at the end of the year 11027.25 6487.73
III. Table showing changes in the Fair Value of Plan Assets:

(` in crore)
31.3.2018 31.3.2017
Fair Value of Plan Assets at the beginning of the year 6487.73 6102.37
Acquisition adjustments - -
Expected return on Plan Assets 519.02 503.45
Contributions 4317.00 98.00
Benefits paid (306.72) (256.61)
Actuarial gain/(loss) on Plan Assets 10.22 40.52
Fair Value of Plan Assets at the end of the year 11027.25 6487.73
185
IV. ¶mo{OV n[ag§n{Îm¶m| H$m ghr ‘yë¶ Xem©Zodmbr gyMr:

(` H$amo‹S ‘|)
31.3.2018 31.3.2017
df© H$s ewê$AmV ¶mo{OV n[ag§n{Îm¶m| H$m ghr ‘yë¶ 6487.73 6102.37
¶mo{OV n[ag§n{Îm¶m| na dmñV{dH$ bm^ 529.24 542.48
A§eXmZ 4317.00 98.00
AXm {H$¶m J¶m bm^ (306.72) (256.61)
df© Ho$ A§V VH$ ¶mo{OV n[ag§n{Îm¶m| H$m ghr ‘yë¶ 11027.25 6487.73
{Z{YH$ pñWVr 100.00% 100.00%
¶mo{OV n[ag§n{Îm¶m| na AZw‘m{ZV bm^ H$mo N>moS>H$a 10.22 40.52
dmñV{dH$ bm^ H$m A{Yeof
V. ‘mÝ¶Vmàmá ~r‘m§H$Z bm^/hm{Z

(` H$amo‹S ‘|)
31.3.2018 31.3.2017
df© Ho$ {bE ~r‘m§H$Z bm^/hm{Z - Xm{¶Ëd (2767.10) 155.43
df© Ho$ {bE ~r‘m§H$Z (bm^)/hm{Z -¶mo{OV n[ag§n{Îm¶m± (10.22) (40.52)
df© Ho$ {bE Hw$b (bm^)/hm{Z 2756.88 (195.95)
df© Ho$ ‘mÝ¶Vmàmá ~r‘m§H$Z (bm^)/hm{Z 2756.88 (195.95)
df© Ho$ A§V VH$ A-‘mÝ¶Vmàmá ~r‘m§H$Z (bm^/hm{Z) - -
VI. VwbZ-nÌ VWm bm^ Ed§ hm{Z Ho$ {ddaU ‘| ‘mÝ¶Vmàmá hmoZodmbr YZam{e¶m±
(` H$amo‹S ‘|)
31.3.2018 31.3.2017
df© Ho$ A§V VH$ Ho$ Xm{¶Ëd H$m dV©‘mZ ‘yë¶ 11027.25 6487.73
df© Ho$ A§V VH$ ¶moOrV n[ag§n{Îm¶m| H$m ghr ‘yë¶ 11027.25 6487.73
{Z{YH$ pñWVr 100.00% 100.00
A-‘mÝ¶Vmàmá ~r‘m§H$Z (bm^)/hmZr - -
VwbZ-nÌ ‘| ‘mÝ¶Vmàmá ewÕ n[ag§n{Îm/(Xm{¶Ëd) 0.00 0.00
VII. bm^ Ed§ hm{Z Ho$ {ddaU ‘| ‘mÝ¶Vmàmá ì¶¶:

(` H$amo‹S ‘|)
31.3.2018 31.3.2017
JV godm bmJV ‘yë¶ 1238.22 -
ã¶mO bmJV ‘yë¶ 519.02 503.45
¶mo{OV n[ag§n{Îm¶m| na Ano{jV bm^ (519.02) (503.45)
df© ‘| ‘mÝ¶Vmàmá ewÕ ~r‘m§H$Z (bm^)/ hm{Z 2756.88 (195.95)
bm^ Ed§ hm{Z H$o {ddaU ‘| ‘mÝ¶Vmàmá ì¶¶ 4317.00 98.00
186
186
61 st Annual Report
IV. Table showing Fair value of Plan Assets

(` in crore)
31.3.2018 31.3.2017
Fair Value of Plan Assets at the beginning of the year 6487.73 6102.37
Acquisition adjustments - -
Actual return on Plan Assets 529.24 542.48
Benefits paid (306.72) (256.61)
Fair value of Plan Assets at the end of the year 11027.25 6487.73
Funded Status 100.00% 100.00%
Excess of actual over estimated return on Plan Assets 10.22 40.52
V. Actuarial Gain/Loss Recognized

(` in crore)
31.3.2018 31.3.2017
Actuarial gain/(loss) for the year –Obligation (2767.10) 155.43
Actuarial (gain)/loss for the year – Plan Assets (10.22) (40.52)
Total (gain)/loss for the year 2756.88 (195.95)
Actuarial (gain)/ loss recognized in the year 2756.88 (195.95)
Unrecognized actuarial (gain)/losses at the end of year - -
VI The amounts to be recognised in Balance Sheet and Statements of Profit & Loss
(` in crore)
31.3.2018 31.3.2017
Fair value of Plan Assets as at the end of the year 11027.25 6487.73
Unrecognized Actuarial (gains)/losses - -
Net Asset/(Liability) recognised in Balance Sheet 0.00 0.00
VII Expense recognised in the Statement of Profit and Loss

(` in crore)
31.3.2018 31.3.2017
Current Service Cost 321.91 293.95
Past Service Cost 1238.22 -
Expected return on Plan Assets (519.02) (503.45)
Net actuarial (gain)/loss recognized in the year 2756.88 (195.95)
Expenses recognized in the statement of P&L 4317.00 98.00
187
I) g‘yh A{O©V AdH$me ZH$XrH$aU Xm{¶Ëd :

H$‘©Mmar gXñ¶m| H$mo CnbãY ZH$XrH$aU bm^ H$m ‘yë¶§mH$Z àñVm{dV B©H$mB© O‘m nÕVr H$s ‘XX go {H$¶m OmVm h¡& Bg nÕVrZwgma
^{dî¶H$mbrZ doVZ H$mo, {Ogo Cg dº$ ‘yë¶m§H$Z {V{W VH$ [a¶m¶V Xr JB© h¡, Ü¶mZ ‘o§ aIVo hþE, ‘yë¶m§H$Z {V{W VH$ àX^yV bm^ àñVm{dV
{H$E OmVo h¡&
I. nydm©Zw‘mZ 31.3.2018 31.3.2017
[a¶m¶Vr Xa| 8.00% 8.00%
doVZ ‘| d¥{Õ 6.00% 6.00%
H$‘©Mmar¶m| H$m Am¡gV Ano{jV Cd©[aV H$m¶©H$mb (df©) 11.72 12.19
II. Xm{¶Ëdm| Ho$ dV©‘mZ ‘yë¶m| ‘| n[adV©Z Xem©Zodmbr gyMr:
(` H$amo‹S ‘|)
31.3.2018 31.3.2017
df© Ho$ ewê$AmV VH$ Ho$ Xm{¶Ëdm| H$m dV©‘mZ ‘yë¶ 3140.06 2788.87
ã¶mO bmJV ‘yë¶ 251.20 230.08
JV godm bmJV ‘yë¶ - -
AXm {H$¶m J¶m bm^ (158.90) (146.76)
Xm{¶Ëdm| na ~r‘m§H$Z (bm^)/hm{Z 606.73 211.26
III. ¶mo{OV n[ag§n{Îm¶m| Ho$ ghr ‘yë¶ ‘| ~Xb Xem©Zodmbr gyMr
(` H$amo‹S ‘|)
31.3.2018 31.3.2017
df© H$s ewê$AmV ‘| ¶mo{OV n[ag§n{Îm¶m| H$m ghr ‘yë¶ 3140.06 2845.40
¶mo{OV n[ag§n{Îm¶m|na dmñV{dH$ bm^ 251.20 234.75
A§eXmZ 658.00 188.00
AXm {H$¶m J¶m bm^ (158.90) (146.76)
¶mo{OV n[ag§n{Îm¶m| na ~r‘m§H$Z bm^/(hm{Z) 5.33 18.67
df© Ho$ A§V VH$ Ho$ ¶mo{OV n[ag§n{Îm¶m| H$m ghr ‘yë¶ 3895.70 3140.06
IV. ¶mo{OV n[ag§n{Îm¶m| H$m ghr ‘yë¶ Xem©Zodmbr gyMr :
(` H$amo‹S ‘|)
31.3.2018 31.3.2017
df© H$s ewéAmV ‘| ¶mo{OV n[ag§n{Îm¶m| H$m ghr ‘yë¶ 3140.06 2845.40
¶mo{OV n[ag§n{Îm¶m|na dmñV{dH$ bm^ 256.54 252.72
A§eXmZ 658.00 188.00
AXm {H$¶m J¶m bm^ (158.90) (146.76)
{Z{Y pñW{V 100.00% 100.00%
¶mo{OV n[ag§n{Îm¶m| na AZw‘m{ZV bm^ H$mo N>moS>H$a dmñV{dH$ bm^ H$m A{Yeof 5.33 18.67
188
188
61 st Annual Report
B) Group Privilege Leave Encashment Liability:

The benefits of PL encashment available to employee members have been valued using Projected Unit Credit Method. Under this method
benefits accrued up to the valuation date are projected considering future salary which is then discounted as at the valuation date.
I. Assumptions:
31.3.2018 31.3.2017
Rate of return on Plan Assets 8.00% 8.00%
Salary Escalation 6.00% 6.00%
Expected average remaining working lives of Employees (years) 11.72 12.19
II. Table showing changes in Present Value of Obligations:

(` in crore)
31.3.2018 31.3.2017
Present Value of obligation as at the beginning of the year 3140.06 2788.87
Past service Cost - -
Current service Cost 56.61 56.61
Benefits paid (158.90) (146.76)
Actuarial (gain)/loss on obligations 606.73 211.26
III. Table showing changes in the Fair Value of Plan Assets:
(` in crore)
31.3.2018 31.3.2017
Fair value of plan assets at beginning of year 3140.06 2845.40
Acquisition Adjustment - -
Expected return on plan assets 251.20 234.75
Benefits paid (158.90) (146.76)
Actuarial gain / (loss) on Plan assets 5.33 18.67
Fair value of plan assets at the end year 3895.70 3140.06
IV. Tables showing Fair Value of Plan Assets
(` in crore)
31.3.2018 31.3.2017
Fair value of plan assets at beginning of year 3140.06 2845.40
Actual return on plan assets 256.54 252.72
Benefits paid (158.90) (146.76)
Fair value of plan assets at the end year 3895.70 3140.06
Funded status 100.00% 100.00%
Excess of Actual over estimated return on plan assets 5.33 18.67
189
V. ‘mÝ¶Vmàmá ~r‘m§H$Z bm^/hm{Z

(` H$amo‹S ‘|)
31.3.2018 31.3.2017
df© Ho$ {bE ~r‘m§H$Z bm^/(hm{Z) - Xm{¶Ëd (606.73) (211.26)
df© Ho$ {bE ~r‘m§H$Z (bm^)/hm{Z - Xm{¶Ëd - ¶mo{OV n[ag§n{Îm¶m± (5.33) (18.67)
df© Ho$ {bE Hw$b (bm^)/hm{Z 601.39 (192.58)
df© Ho$ ‘mÝ¶Vmàmá ~r‘m§H$Z (bm^)/hm{Z 601.39 (192.58)
A-‘mÝ¶Vmàmá ~r‘m§H$Z (bm^)/hm{Z¶m± - -
VI. VwbZ-nÌ ‘| ‘mÝ¶Vmàmá H$s AmZodmbr YZam{e¶m± :

(` H$amo‹S ‘|)
31.3.2018 31.3.2017
{Z{Y pñW{V 100.00% 100.00%
A-‘mÝ¶Vmàmá ~r‘m§H$Z (bm^)/hm{Z¶m± - -
VII. bm^ Ed§ hm{Z Ho$ {ddaU ‘| ‘mÝ¶Vmßèá ì¶¶ :

(` H$amo‹S ‘|)
31.3.2018 31.3.2017
ã¶mO bmJV ‘yë¶ 251.20 230.00
df© Ho$ ‘mÝ¶Vmàmá ewÕ ~r‘m§H$Z (bm^)/hm{Z 601.39 (192.58)
bm^ Ed§ hm{Z Ho$ {ddaU ‘| ‘mÝ¶Vmàmá ì¶¶ 658.00 244.53
J) H$‘©Mmar {Zd¥ÎmrdoVZ ¶moOZm 1995 Xm{¶Ëd :

àñVm{dV B©H$mB© O‘m nÕVr Ohm± na ‘yë¶m§H$Z {VWr VH$ H$m H$m¶©H$mb VWm {ZJ©‘Z {VWr V H$ H$s doVZ ‘| hmoZodmbr d¥{Õ¶m| H$mo Ü¶mZ
‘| aIVo hþE Xo¶ {hVbm^ ‘yë¶m§{H$V {H$E OmVo h¢& BZ am{e¶m| H$m ‘yë¶m§H$Z {VWr VH$ H$m ‘yë¶ BZ àñVm{dV bm^m| H$s am{e¶m| H$mo Ny>Q>
XoVo hþE {ZmH$mbm OmVm h¡&
B©Z‘| à‘wI nydm©Zw‘mZ h¡ (1) [a¶m¶V Xa| (2) doVZ d¥[Õ
I. nydm©Zw‘mZ :
31.3.2018 31.3.2017
[a¶m¶Vr Xa| 8.00% 8.00 %
doVZ ‘| d¥{Õ (‘yb doVZ + _h§JmB© ^Îmm) 6.00% 6.00 %
noÝeZ d¥{Õ H$m Xa 5.00% 5.00%
¶mo{OV n[ag§n{Îm¶m| na bm^ H$m Xa 8.16% 8.90 %
H$‘©Mm[a¶m| Ho$ Cd©[aV-H$m¶©H$mb H$m Ano{jV Am¡gV (df©) 9.83 11.51
190
190
61 st Annual Report
V. Actuarial Gain/Loss recognized

(` in crore)
31.3.2018 31.3.2017
Actuarial gain/(loss) for the year – Obligation (606.73) (211.26)
Actuarial (gain)/loss for the year – Plan Assets (5.33) (18.67)
Total (gain)/loss for the year 601.39 (192.58)
Actuarial (gain)/loss recognized in the year 601.39 (192.58)
Unrecognized actuarial (gains)/losses - -
VI. The amounts to be recognized in Balance Sheet

(` in crore)
31.3.2018 31.3.2017
Present Value of Obligation as at the end of the year 3895.70 3140.06
Fair Value of Plan Assets as at the end of the year 3895.70 3140.06
Unrecognized Actuarial (gains)/losses - -
Net Asset/(Liability) Recognized in Balance Sheet 0.00 0.00
VII. Expense Recognized in the Statement of Profit and Loss

(` in crore)
31.3.2018 31.3.2017
Past Service Cost - -
Expected return on Plan Assets (251.20) (234.75)
Net actuarial (gain)/loss recognised in the year 601.39 (192.58)
Expenses recognised in the statement of P&L 658.00 244.53
C) Employees Pension Scheme 1995 Liability:
Projected Unit Credit Method where the benefits payable are valued considering the service up to the valuation date and increases
in salaries up to the date of exit. The value of such benefits as on the valuation date has been arrived at by discounting the amount
of such projected benefits.
The principal assumptions are the (1) discount rate & (2) Salary Increase.
I Assumptions:
31.3.2018 31.3.2017
Discount rate 8.00% 8.00 %
Rate of increase in salary (Basic+DA) 6.00% 6.00 %
Rate of pension increase 5.00% 5.00%
Rate of return on Plan Assets 8.16% 8.90 %
Expected average remaining working lives of Employees (years) 9.83 11.51
191
II. Xm{¶Ëdm| H$o dV©‘mZ ‘yë¶m| ‘| hmoZodmbo n[adV©Z Xem©Zodmbr gyMr :

(` H$amo‹S ‘|)
31.3.2018 31.3.2017
df© H$s ewéAmV VH$ Ho$ Xm{¶Ëdm| H$m dV©‘mZ ‘yë¶ 45109.52 38925.12
ã¶mO bmJV ‘yë¶ 3561.11 3297.30
dV©‘mZ godm bmJV ‘yë¶ 5921.05 4668.51
g§{já bmJV ‘yë¶ / (O‘m) - -
{ZnQ>mam bmJV ‘yë¶ / (O‘m) - -
AXm {H$¶m J¶m bm^ (1404.90) (2307.57)
Xm{¶Ëdm|na ~r‘m§H$Z (bm^)/(hm{Z) 669.57 612.14
III. ¶mo{OV n[ag§n{Îm¶m| Ho$ ghr ‘yë¶ ~Xb Xem©Zodmbr gyMr :

(` H$amo‹S ‘|)
31.3.2018 31.3.2017
df© Ho$ ewéAmV ‘| ¶mo{OV n[ag§n{Îm¶m| H$m ghr ‘yë¶ 45109.52 38925.12
¶mo{OV n[ag§n{Îm¶m| na Ano{jV bm^ 3608.76 3211.32
A§eXmZ 6638.27 5194.67
AXm {H$¶m J¶m bm^ (1404.90) (2307.57)
¶mo{OV n[ag§n{Îm¶m| na ~r‘m§H$Z bm^/hm{Z 47.65 85.98

(` H$amo‹S ‘|)
31.3.2018 31.3.2017
A§eXmZ 6638.27 5194.67
AXm {H$¶m J¶m bm^ (1404.90) (2307.57)
{Z{YH$ pñWVr {Z{YH$ {Z{YH$
¶mo{OV n[ag§n{Îm¶m| na AZw‘m{ZV bm^ H$mo N>moS>H$a dmñV{dH$ bm^ H$m A{Yeof (47.65) 526.16
V. ‘mÝ¶Vmàmá ~r‘m§H$Z bm^/hm{Z:

(` H$amo‹S ‘|)
31.3.2018 31.3.2017
df© Ho$ {bE ~r‘m§H$Z bm^/(hm{Z) - Xm{¶Ëd (669.57) (612.14)
df© Ho$ {bE ~r‘m§H$Z (bm^)/hm{Z -¶mo{OV n[ag§n{Îm¶m± 47.65 (85.98)
df© Ho$ {bE Hw$b (bm^)/hm{Z 717.22 526.16
df© Ho$ ‘mÝ¶Vmàmá ~r‘m§H$Z (bm^)/hm{Z 717.22 526.16
A-‘mÝ¶Vmàmá ~r‘m§H$ (bm^)/hm{Z 0.00 0.00
192
192
61 st Annual Report
II. Table Showing Changes in Present Value of Obligations:

(` in crore)
31.3.2018 31.3.2017
Present Value of Obligation as at the beginning of the year 45109.52 38925.12
Curtailment Cost / (Credit) - -
Settlement Cost / (Credit) - -
Benefits paid (1404.90) (2307.57)
Actuarial (gain)/ loss on obligations 669.57 612.14
III. Table Showing changes in the Fair value of Plan Assets

(` in crore)
31.3.2018 31.3.2017
Fair value of plan assets at beginning of the year 45109.52 38925.12
Expected Return on Plan Assets 3608.76 3211.32
Benefits Paid (1404.90) (2307.57)
Actuarial Gain /(Loss) on Plan Assets 47.65 85.98
Fair Value of Plan Assets at end of year 53904.00 45109.52
(` in crore)
31.3.2018 31.3.2017
Acquisition Adjustments - -
Actual Return on Plan Assets 3561.11 3297.30
Benefits Paid (1404.90) (2307.57)
Fair value of plan assets at the end of year 53904.00 45109.52
Funded Status Funded Funded
Excess of actual over estimated return on plan assets (47.65) 526.16
V. Actuarial Gain / Loss Recognized

(` in crore)
31.3.2018 31.3.2017
Actuarial gain/(loss) for the year - Obligation (669.57) (612.14)
Actuarial (gain)/loss for the year - Plan Assets 47.65 (85.98)
Total (gain) / loss for the year 717.22 526.16
Actuarial (gain) / loss recognized in the year 717.22 526.16
Unrecognized actuarial (gains) / losses 0.00 0.00
193
VI. VwbZ-nÌ VWm bm^ Ed§ hm{Z Ho$ {ddaU ‘| ‘mÝ¶Vmàmá hmoZodmbr YZam{e¶m±:
(` H$amo‹S ‘|)
31.3.2018 31.3.2017
df© Ho$ A§V ¶mo{OV n[ag§n{Îm¶m| H$m ghr ‘yë¶ 53904.00 45109.52
{Z{YH$ pñW{V {Z{YH$ {Z{YH$
(` H$amo‹S ‘|)
31.3.2018 31.3.2017
dV©‘mZ godm bmJV ‘yë¶ 5921.05 4668.51
ã¶mO bmJV ‘yë¶ 3608.76 3211.32
K) {Z¶{‘V A§eH$m{bH$ H$‘©Mmar {Zd¥ÎmrdoVZ ¶moOZm 1999 Xm{¶Ëd:

BZ‘| à‘wI nydm©Zy‘mZ h¡ (1) [a¶m¶Vr Xa| (2) doVZ d¥{Õ
I. nwdm©Zw‘mZ :
31.3.2018 31.3.2017
[a¶mVr Xa| 8.00% 8.00%
doVZ d¥{Õ H$m Xa (‘yb doVZ + _h§JmB© ^Îmm) 6.00% 6.00%
noÝeZ d¥{Õ H$m Xa 5.00% 5.00%
H$‘©Mm[a¶m| Ho$ Cd©[aV H$m¶©H$mb H$m Ano{jV Am¡gV (df©) 8.93% 9.74%
II. Xm{¶Ëdm| H$o dV©‘mZ ‘yë¶m| ‘| hmoZodmbo n[adV©Z Xem©Zodmbr gyMr :

(` H$amo‹S ‘|)
31.3.2018 31.3.2017
df© H$s ewéAmV VH$ Ho$ Xm{¶Ëdm| H$m dV©‘mZ ‘yë¶ 18.62 16.99
ã¶mO bmJV ‘yë¶ 1.49 1.40
JV godm bmJV ‘yë¶ 0.00 0.00
dV©_mZ godm bmJV ‘yë¶ 2.58 0.53
g§{já bmJV ‘yë¶ / (O‘m) - -
AXm {H$¶m J¶m bm^ 0.00 (0.56)
¶moOZm H$‘©Mm[a¶m| H$m g§jonU - -
Xm{¶Ëdm|na ~r‘m§H$Z (bm^)/hm{Z 0.19 0.26
194
194
61 st Annual Report
VI. The Amounts To Be Recognized In Balance Sheet And Statements Of Profit And Loss
(` in crore)
31.3.2018 31.3.2017
Unrecognized Actuarial (gains) / losses 0.00 0.00
Net Asset / (Liability) Recognized in Balance Sheet 0.00 0.00
VII. Expense Recognized in the Statement of Profit And Loss
(` in crore)
31.3.2018 31.3.2017
Expected Return on Plan Assets (3608.76) (3211.32)
Net actuarial (gain)/ loss recognized in the year 717.22 526.16
Expenses Recognized in the statement 6638.27 5194.67
Of profit and loss
D) Regular Part-Time Employees Pension Scheme 1999 Liability:
The principal assumptions are the (1) discount rate & (2) Salary Increase.
I. Assumptions:
31.3.2018 31.3.2017
Rate of increase in salary(Basic+DA) 6.00% 6.00%
Rate of pension increase 5.00% 5.00%
Rate of Return on Plan Assets 8.16% 8.90%
Expected Average remaining working lives
Of employees (years) 8.93 9.74
II. Table Showing Changes in Present Value of Obligations :

(` in crore)
31.3.2018 31.3.2017
Present Value of Obligation as at the beginning of the year 18.62 16.99
Past Service Cost 0.00 0.00
Curtailment Cost/(Credit) - -
Settlement Cost / (Credit - -
Benefits paid 0.00 (0.56)
Curtailment of employees in plan - -
Actuarial (gain)/ loss on obligations 0.19 0.26
195
III. ¶mo{OV n[ag§n{Îm¶mm| Ho$ ghr ‘yë¶ ‘| ~Xb Xem©Zodmbr gyMr :

(` H$amo‹S ‘|)
31.3.2018 31.3.2017
df© Ho$ ewéAmV ‘| ¶mo{OV n[ag§n{Îm¶m| H$m ghr ‘yë¶ 18.62 16.99
¶mo{OV n[ag§n{Îm¶m| na Ano{jV bm^/hm{Z 1.49 1.40
A§eXmZ 2.76 0.70
AXm {H$¶m J¶m bm^ 0.00 (0.56)
¶mo{OV n[ag§n{Îm¶m| na ~r‘m§H$Z bm^ 0.01 0.09

(` H$amo‹S ‘|)
31.3.2018 31.3.2017
A§eXmZ 2.76 0.70
AXm {H$¶m J¶m bm^ 0.00 (0.56)
{Z{YH$ pñWVr {Z{YH$ {Z{YH$
¶mo{OV n[ag§n{Îm¶m| na AZw‘m{ZV bm^ H$mo N>moS>H$a dmñV{dH$ bm^ H$m A{Yeof 0.01 0.09
V. ‘mÝ¶Vmàmá ~r‘m§H$Z bm^/hm{Z:

(` H$amo‹S ‘|)
31.3.2018 31.3.2017
df© Ho$ {bE ~r‘m§H$Z bm^/(hm{Z) - Xm{¶Ëd 0.19 (0.26)
df© Ho$ {bE ~r‘m§H$Z (bm^)/hm{Z -¶mo{OV n[ag§n{Îm¶m± (0.01) (0.09)
df© Ho$ {bE Hw$b (bm^)/hm{Z 0.18 0.17
VI. VwbZ-nÌ VWm bm^ Ed§ hm{Z Ho$ {ddaU ‘| ‘mÝ¶Vmàmá hmoZodmbr YZam{e¶m±:
(` H$amo‹S ‘|)
31.3.2018 31.3.2017
df© Ho$ A§V ¶mo{OV n[ag§n{Îm¶m| H$m ghr ‘yë¶ 22.88 18.62
{Z{YH$ pñW{V {Z{YH$ {Z{YH$
196
196
61 st Annual Report
III. Table Showing changes in the Fair value of Plan Assets

(` in crore)
31.3.2018 31.3.2017
Expected Return on Plan Assets 1.49 1.40
Benefits Paid 0.00 (0.56)
Actuarial Gain /(Loss) on Plan Assets 0.01 0.09
Fair Value of Plan Assets at end of year 22.88 18.62
(` in crore)
31.3.2018 31.3.2017
Acquisition Adjustments - -
Actual Return on Plan Assets 1.50 1.49
Benefits Paid 0.00 (0.56)
Fair value of plan assets at the end of year 22.88 18.62
Excess of actual over estimated return on plan assets 0.01 0.09
V. Actuarial Gain / Loss Recognized

(` in crore)
31.3.2018 31.3.2017
Actuarial gain/(loss) for the year - Obligation 0.19 (0.26)
Actuarial (gain)/loss for the year - Plan Assets (0.01) (0.09)
Total (gain) / loss for the year 0.18 0.17
Actuarial (gain) / loss recognized in the year 0.18 0.17
Unrecognized actuarial (gains) / losses 0.00 0.00
VI. The Amounts To Be Recognized In Balance Sheet And Statements Of Profit And Loss
(` in crore)
31.3.2018 31.3.2017
Unrecognized Actuarial (gains) / losses 0.00 0.00
Net Asset / (Liability) Recognized in Balance Sheet 0.00 0.00
197

(` H$amo‹S ‘|)
31.3.2018 31.3.2017
ã¶mO bmJV ‘yë¶ 1.49 1.40
(J) A{V[aº$ {df¶ CX²²KmQ>Z :

1) gm§{d{YH$ AnojmAm| Ho$ AZwgma {H$¶m J¶m {Zdoe (à~§Y Ûmam ¶Wm à‘m{UV)
emIm à{V^y{V¶m| H$m àH$ma ~ht ‘yë¶ (` bmI ‘|)
(Mmby df©) ({nN>bo df©)
¶y.Ho$. `w{Z`Z ~¢H$ ‘| @ 1.90% go gmd{Y O‘m 1829.86 1380
‘m°areg ~¢H$ Am°’$ ~S>m¡Xm ‘| @ 3.50% 195.86 184
{’$Or E’$.Or.Ama. ñQ>mH$ @ 12%, @ 5.54%, @ 12.31%, @ 7.83%, @ 4970.52 5092
13%, @ 5.46%,
2) Am¶ H$s ‘mÝ¶Vm Ho$ CÔoe go à¶moÁ¶ / AZwà¶moÁ¶ {Zdoemo H$m H$O© (F$U VWm A{J«‘ am{e) ‘o§ {d^mOZ (à~§YZ Ûmam ¶Wm
à‘m{UV):
(` bmI ‘|)
(H$) Ag§~Õ ì¶dgm¶:
à¶moÁ¶ {Zdoe 38006380 36598178
AZwà¶moÁ¶ {Zdoe 2524100 1817304
(I) ny±.‘mo. ({Z.dm.g.) ì¶dgm¶
à¶moÁ¶ {Zdoe 13526 13526
AZwà¶moÁ¶ {Zdoe 0 0
3) nwZg©aMZm Ho$ A{YZ n[ag§n{Îm¶m§ 31.03.2018 VH$: (` bmI ‘|)
nwZgªaMZm Ho$ AYrZ F$U n[ag§n{Îm¶m| H$s Hw$bam{e 279531 404435
nwZgªaMZm Ho$ AYrZ ‘mZH$ n[ag§n{Îm¶m| H$s Hw$bam{e 73474 71125
nwZgªaMZm Ho$ AYrZ Cn-‘mZH$ n[ag§n{Îm¶m| H$s Hw$bam{e 206057 333310
nwZgªaMZm Ho$ AYrZ g§{X½Y Ed§ ZwH$gmZrV n[ag§n{Îm¶m| H$s Hw$bam{e 0.00 0.00
4) joÌdma ì¶dgm¶ H$m à{VeV (O¡gm {H$ à~§YZ Ûmam à‘m{UV {H$¶m J¶m h¡) :
nm°{b{g¶m| H$s g§»¶m
J«m‘rU ì¶dgm¶ 22.38% 22.44%
ehar ì¶dgm¶ 77.62% 77.56%
gm‘m{OH$ joÌ (~r{‘V bmoJm| H$s g§»¶m …)* 32.00% 27.73%
* A{YgyMZm g§»¶m ^m ~r dr n«m/aoJw/ 13/103/2015 Ho$ AZwgma {dÎm df© 2015-16 VH$ ~r{‘V bmoJm| H$s g§»¶m Xr OmZr Wr Am¡a {dÎm
df© 2016-17 go gm‘m{OH$ joÌ ‘| ~r{‘V ì¶{º$¶m| H$m … XoZm h¡&
198
198
61 st Annual Report
VII. Expense Recognized In the Statement of Profit and Loss

(` in crore)
31.3.2018 31.3.2017
Expected Return on Plan Assets (1.49) (1.40)
Net actuarial (gain)/ loss recognized in the year 0.18 0.17
Expenses Recognized in the statement
Of profit and loss 2.76 0.70
(C) ADDITIONAL DISCLOSURES:
1) Investments made in accordance with the statutory requirements (as certified by the Management)
Branch Type of Securities Book Value (` in Lakhs)
UK Fixed Deposit with Union bank @ 1.90% 1829.86 1380
Mauritius FD with Bank of Baroda @3.50% 195.86 184
Fiji FGR Stock @12%, 5.45%, 12.31%, 7.23%, 13% and 5.46% 4970.52 5092

2) Segregation into Performing/Non-performing investments for the purpose of Income recognition (as certified by the
Management):
(` in Lakhs)
(a) LIFE Business:
Performing investments: 38006380 36598178
Non-performing investments 2524100 1817304
(b) CRAC Business:
Performing investments 13526 13526
Non-performing investments NIL NIL
3) Assets Subject to Restructuring as on 31.03.2018 (` in Lakhs)
Total amount of loan assets subject to restructuring 279531 404435
Total amount of standard assets subject to restructuring 73474 71125
Total amount of sub standard assets subject to restructuring 206057 333310
Total amount of doubtful & loss assets subject to restructuring 0.00 0.00
4) Percentage of business sector-wise (as certified by Management)
No. of policies
Rural business 22.38% 22.44%
Urban business 77.62% 77.56%
Social Sector (No. of Lives Insured in %)* 32.00% 27.73%
* As per notification no. IRDAI/Reg/13/103/2015 w.e.f. F.Y. 2016-2017 percentage of Social Sector lives computed on the total
business procured in the preceding financial year has to be given.
199
5) AdYm[aV Am¡a ~r‘mH¥$V Omo{I‘ :

( n«{VeV _o§)
2017-18 2016-17
AdYm[aV Omo{I‘ ~r‘mH¥$V Omo{I‘ AdYm[aV Omo{I‘ ~r‘mH¥$V Omo{I‘
àW‘ dfu¶ àr{‘¶‘ 99.92 0.08 99.93 0.07
nadVu àr{‘¶‘ 99.81 0.19 99.85 0.15
EH$b àr{‘¶‘ 100.00 0.00 100.00 0.00
6) ~§X nm°{b{g¶m| Ho$ g§~§Y ‘| àH$Q>Z :

~§X H$r JB© nm°{b{g`mo§ Ho {bE àma§{^H eof 9433.41 19037.68
OmoSo§ : df© Ho Xm¡amZ ~§S nm°{b{g`mo§ H$r {Z{Y 1191.47 4010.07
H$_ : df© Ho Xm¡amZ nwZOr©{dV / ^wJVmZ H$r JB© nm°{b{g`mo§ H r {Z{Y 6792.71 14052.16
OmoSo§ : {Z{Y Ho {Zdoe na ewÕ Am` / bm^ 1012.17 437.82
~§X nm°{b{g`mo§ Ho {bE \§ S H$m g_mnZ eof am{e 4844.34 9433.41
AÝ` n«H$QZ …
noÝeZ ßbg EÝS>mo‘|Q> ßbg g‘¥Õr ßbg âbo³gr ßbg Ý¶y EÝS>mo‘|Q>
ßbg
{dÎmr¶ df© 2017-2018 Ho$ Xm¡amZ ~§X hþB© 54 152 303 4 554
nm°{b{g¶m| H$s g§»¶m (56) (243) (52) (51) (50)
df© Ho$ Xm¡amZ ~§X hþB© ~m°{b{g¶m| H$m Hw$b nm°{b{g¶m|1.03 1.20 1.82 1.24 9.18
Ho$ à{VeV (0.92) (1.43) (0.23) (12.69) (2.47)
df© Ho$ Xm¡amZ nwZOu{dV nm°{b{g¶m| H$s g§»¶m 2 5 12 3 48
(16) (48) (5) (9) (0)
df© Ho$ Xm¡amZ nwZOm©{dV nm°{b{g¶m| H$m à{VeV 3.70 3.29 3.96 75.00 8.66
(28.57) (19.75) (9.62) (17.65) (0)
~§X nm°{b{g¶mo§ na bJmE JE à^ma (` bmIm| ‘|)* 0.58 2.09 3.27 0.01 5.32
(0.30) (1.39) (4.82) (0.41) (5.14)
*Xem©ò JE ewëH$ bmJV ewëH$ Am¡a g_m`mo{OV ewëH$ H$m ewÕ h¡.
()H$moð>H$ ‘| {XE JE Am§H$‹S>o {nN>bo Ho$ Am§H$‹S>mo H$mo Xem©Vo h¡&
7) ^m.~r.{d.{d.àm. Ûmam {ZYm©[aV {dÎmr¶ {ddaUm| Ho$ g§{já {ddaU n[a{ímï> 1 VWm 2 gb¾ XoI|&
8) g§~§{YV njH$ma H$m àH$Q>Z : ({ZJ‘ Ûmam ¶Wm{MpÝhV g§~§{YV njH$ma H$m g§~§Y) ^maVr¶ gZXr boImH$ma g§ñWmZ Ûmam Omar g§~§{YV njH$ma àH$Q>Z
na (bo.{Z. 18) ‘mZH$ boIm Ho$ AZwgma {ZJ‘ Ho$ g§~§{YV njH$ma/g§¶wº$ CÚ‘ {ZåZ h¡:
H$) g§¶wº$ CÚ‘ :
Ho$ZB§{S>¶m Ea¶¶moaoÝg H§$.
gm¡Xr B§{S>¶Z H§$nZr H$mo.Am°n. Bí¶moaoÝg
B§{S>¶m BÝ’«$mS>oãQ> {b.
I) gh¶moJr H§$n{Z¶m±:
EbAmB©gr hmD$qgJ ’$mBZmÝg {b.
EbAmB©gr EME’$Eb EE‘gr {b.
EbAmB©gr å¶wÀ¶wAb ’$ÊS> EgoQ> ‘¡ZoO‘|Q> H§$nZr {b.
EbAmB©gr å¶wÀ¶wAb ’$ÊS> Q´>ñQ>r H§$nZr àm. {b.
200
200
61 st Annual Report
5) Risk Retained and Insured:

( in %)
2017-18 2016-17
Risk retained Risk Insured Risk retained Risk Insured
First year premium 99.92 0.08 99.93 0.07
Renewal premium 99.81 0.19 99.85 0.15
Single premium 100.00 0.00 100.00 0.00
6) Disclosures relating to discontinued policies

Fund for Discontinues Policies
Opening Balance of Fund for Discontinued Policies 9433.41 19037.68
Add: Fund of policies discontinued during the year 1191.47 4010.07
Less: Fund of policies revived/Paid during the year 6792.71 14052.16
Add: Net Income/Gains on Investment of the Fund 1012.17 437.82
Closing Balance of Fund for Discontinued Policies 4844.34 9433.41
Other Disclosures:
Pension Plus Endowment Samriddhi Flexi New

Plus Plus Plus Endowment
Plus
Number of policies discontinued 54 152 303 4 554
during the financial year 2017-2018 (56) (243) (52) (51) (50)
Percentage of discontinued to total 1.03 1.20 1.82 1.24 9.18

policies during the year (0.92) (1.43) (0.23) (12.69) (2.47)
Number of policies revived during the 2 5 12 3 48
year (16) (48) (5) (9) (0)
Percentage of policies revived during 3.70 3.29 3.96 75.00 8.66
the year (28.57) (19.75) (9.62) (17.65) (0)
Charges imposed on account of 0.58 2.09 3.27 0.01 5.32
discontinued policies (` in lakhs)* (0.30) (1.39) (4.82) (0.41) (5.14)
* Charge shown above are net of charges imposed and charges readjusted
Figures in brackets ( ) above indicate previous year’s figures.
7) Summary of Financial Statements as prescribed by IRDA – Refer Annexure 1 & 2 attached.
8) RELATED PARTY DISCLOSURE:
(Related Party Relationship as identified by the Corporation)
As per the Accounting Standard on Related Party Disclosures (AS 18) issued by the Institute of Chartered Accountants of India, the
related parties/joint ventures of the Corporation are as follows:
A) Joint Ventures:
Kennindia Assurance Co. Ltd.
Saudi Indian Company for Co-operative Insurance
India Infradebt Ltd.
B) Associate Companies
LIC Housing Finance Ltd.
LIC HFL Asset Management Company Ltd.
LIC Mutual Fund Asset Management Company Ltd.
LIC Mutual Fund Trustee Company Pvt. Ltd.
201
J) gh¶moJr H§$n{Z¶m±:
EbAmB©gr noÝeZ ’$ÊS> {b.
EbAmB©gr H$mS>© g{d©gog> {b.
EbAmB©gr (qgJmnya) nrQ>rB©> {b.
EbAmB©gr (Zonmb) {b.
EbAmB©gr (AÝVaamï´>r¶) ~r Eg gr (gr) ~harZ
EbAmB©gr (b§H$m)> {b.
EbAmB©gr ~m§JbmXoe {b.
K) 31.03.2018 H$mo ~moS© Am¡a à‘wI à~§YZ H$m{‘©H$:
~moS© Ho$ gXñ`
lr. dr. Ho$. e‘m© AÜ¶j 16.12.2016 go
lr‘Vr D$fm gm§JdmZ à~§Y {ZXoeH$ 01.11.2013 go
lr. ho‘§V ^mJ©d à~§Y {ZXoeH$ 10.02.2017 go
lr. ~r. doZyJmonmb à~§Y {ZXoeH$ 11.04.2017 go
lr‘Vr gw{ZVm e‘m© à~§Y {ZXoeH$ 11.04.2017 go
lr. gw^mf M§Ðm JJ© gaH$ma Ûmam Zm{‘V 17.07.2017 go
lr. {Jare MÝÐ ‘w‘y© gaH$ma Ûmam Zm{‘V 16.06.2016 go
lr. AídZr Hw$‘ma gXñ¶ 09.10.2013 go
lr. E{bg Or. d¡X¶Z nXoZ AZwgma 23.05.2016 go
lr. {~‘boÝXÿ MH«$~Vu J¡a A{YH$m{aH$ gXñ` 29.09.2017 go
lr. a{d«§Ð ZmW MVw©doXr J¡a A{YH$m{aH$ gXñ` 29.09.2017 go
lr. Ama. M§ÐmgoH$aU J¡a A{YH$m{aH$ gXñ` 29.09.2017 go
n«_w»` gXñ`
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lr. ZraO AJ«dmb H$m`©H$mar {ZXoeH$ (A§Ho$jU), (_w»` Am§V{aH$ A§Ho$jU A{YH$mar) 01.09.2016 go
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lr. àdrU Hw$‘ma ‘mobar } H$m`©H$mar {ZXoeH$ {dÎm Ed§ boIm(A{V{aº$ n«^ma), (_w»` {dÎm A{YH$mar) 10.03.2018 go
lr. gVre MÝÐm qgK H$m`©H$mar {ZXoeH$ (~moS©/Or.Oo. E\$./AZw.), (_w»` AZwnmbZ A{YH$mar) 25.04.2016 go
lr. Eg. Ho$ Xmg _w»` ({Zdoe-Omo. n«. AZwg§YmZ), (_w»` Omo{I_ A{YH$mar) 06.11.2017 go
lr. {XZoe n§V {Z`wº$ ~r_m§H$H²$ 17.01.2017 go
21.06.2018 H$mo ~moS© Am¡a à‘wI à~§YZ H$m{‘©H$:

~moS© Ho$ gXñ`
lr. dr. Ho$. e‘m© AÜ¶j 16.12.2016 go
lr‘Vr D$fm gm§JdmZ à~§Y {ZXoeH$ 01.11.2013 go
lr. ho‘§V ^mJ©d à~§Y {ZXoeH$ 10.02.2017 go
lr. ~r. doZyJmonmb à~§Y {ZXoeH$ 11.04.2017 go
lr‘Vr gw{ZVm e‘m© à~§Y {ZXoeH$ 11.04.2017 go
lr. gw^mf M§Ðm JJ© gaH$ma Ûmam Zm{‘V 17.07.2017 go
lr. {Jare MÝÐ ‘w‘©y gaH$ma Ûmam Zm{‘V 16.06.2016 go
lr. AídZr Hw$‘ma gXñ¶ 09.10.2013 go
lr. E{bg Or. d¡X¶Z nX AZwgma 23.05.2016 go
202
202
61 st Annual Report
C) Subsidiary Companies:
LIC Pension Fund Ltd.
LIC Card Services Ltd.
LIC (Singapore) Pte. Ltd.
LIC (Nepal) Ltd.
LIC(International) BSC (c), Bahrain
LIC (Lanka) Ltd.
LIC Bangladesh Ltd.
D) Members of the Board & Key Persons as on 31.03.2018
Members of the Board

Shri. V.K. Sharma Chairman w.e.f. 16.12.2016
Smt. Usha Sangwan Managing Director w.e.f. 01.11.2013
Shri. Hemant Bhargava Managing Director w.e.f. 10.02.2017
Shri. B. Venugopal Managing Director w.e.f. 11.04.2017
Smt. Sunita Sharma Managing Director w.e.f. 11.04.2017
Shri. Subhash Chandra Garg Government Nominee w.e.f. 17.07.2017
Shri. Girish Chandra Murmu Government Nominee w.e.f. 16.06.2016
Shri. Ashwani Kumar Member w.e.f. 09.10.2013
Smt. Alice G. Vaidayan Ex-Officio Member w.e.f 23.05.2016
Shri. Bimalendu Chakrabarti Non-Official Member w.e.f. 29.09.2017
Shri. Ravindra nath Chaturvedi Non-Official Member w.e.f. 29.09.2017
Shri. R. Chandrasekaran Non-Official Member w.e.f. 29.09.2017
Key Persons
Ms. S.S. Dikhale ED (Marketing/ PD), Chief Marketing Officer w.e.f. 20.04.2017
Shri. Niraj Agarwal ED (Audit), Chief Internal Audit w.e.f.01.09.2016
ED ( INVO),Chief Investment Officer w.e.f. 20.04.2017
Shri. Praveen Kumar Molri } ED (F&A) (Additional Charge), Chief Finance Officer w.e.f. 10.03.2018
Shri Satish Chandra Singh ED (Board Sectt/GJF/Comp), Chief Compliance Officer w.e.f 25.04.2016
Shri S.K. Das Chief (INV-RM&R), Chief Risk Officer w.e.f. 06.11.2017
Shri Dinesh Pant Appointed Actuary w.e.f. 17.01.2017
Members of the Board & Key Persons as on 21.06.2018

Members of the Board
Shri V.K. Sharma Chairman w.e.f. 16.12.2016

Smt. Usha Sangwan Managing Director w.e.f. 01.11.2013
Shri Hemant Bhargava Managing Director w.e.f. 10.02.2017
Shri B. Venugopal Managing Director w.e.f. 11.04.2017
Smt. Sunita Sharma Managing Director w.e.f. 11.04.2017
Shri Subhash Chandra Garg Government Nominee w.e.f. 17.07.2017
Shri Girish Chandra Murmu Government Nominee w.e.f. 16.06.2016
Shri Ashwani Kumar Member w.e.f. 09.10.2013
203
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n«_w»` gXñ`
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lr. ZraO AJ«dmb H$m`©H$mar {ZXoeH$ (A§Ho$jU), (_w»` Am§V{aH$ A§Ho$jU A{YH$mar) 01.09.2016 go
lr. àXrn Hw$‘ma O¡Z H$m`©H$mar {ZXoeH$ ({Zdoe/Omo. n«. AZwg§YmZ), (_w»` Omo{I_
A{YH$mar) 26.04.2018 go
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S>) {ddaU {Og‘| ~r‘m A{Y{Z¶‘ 1938 H$s Ymam 11(2) Ho$ A§VJ©V ì`dgm` Ho$ n«~§YZ Ho$ n«^mar ì`{º$`mo§ Ho$ Zm_ {ddaU, ì`dgm`
Am¡a Ym{aV {ZXo©º$mE§ Xr JB© h¡§.
H«$.g§. Zm_ {ddaU 31 _mM©, 2018 H$mo Ym{aV nX
Sr. Name Description Profile/Directorship held as on 31st March, 2018
No.
1 lr. {d. Ho$ e‘m© AÜ¶j AÜ¶j EbAmB©gr hmD$qgJ ’$mBZ|g {b.
}
^maVr¶ OrdZ ~r‘m {ZJ‘ gh {ZXoeH$ EbAmB©gr H$mS>© g{d©goO {b.
EbAmB©gr EUEnEEE‘gr {b.
EbAmB©gr noÝeZ ’§$S> {b.
EbAmB©gr (Zonmb) {b.
EbAmB©gr EME’$Eb E E‘ gr. H§$. {b.
EbAmB©gr (AÝVaamï´>r¶) ~r Eg gr (gr) ~harZ
EbAmB©gr ~m§JbmXoe {b. ({XZm§H$ 04.03.2018)
EbAmB©gr (qgJmnya) nrQ>rB©> {b.
{ZXoeH$ Ho$ZB§{S>¶m Eí¶moa|g H§$nZr {b.
E.gr.gr. {b.
AmB©grAmB©grAmB© ~¢H$ {b.
2. lr‘V Cfm gm§JdmZ à~§Y {ZXoeH$ {ZXoeH$ - A§~wOm {g‘|Q> {b.
^maVr¶ OrdZ ~r‘m {ZJ‘ Ep³gg ~¢H$ {b.
~r.Eg.B. {b.
EbAm¶gr H$mS>© g{d©goO {b.
EbAmB©gr hmD$qgJ ’$mBZ|g {b.
^maVr¶ gmYmaU ~r‘m {ZJ‘
Ho$ZB§{S>¶m (B§Q>aZ¡eZb) ~r. Eg. gr. (gr) ~harZ
204
204
61 st Annual Report
Smt. Alice G. Vaidayan Ex-Officio Member w.e.f. 23.05.2016

Shri Bimalendu Chakrabarti Non-Official Member w.e.f. 29.09.2017
Shri Ravindra Nath Chaturvedi Non-Official Member w.e.f. 29.09.2017
Shri R. Chandrasekaran Non-Official Member w.e.f. 29.09.2017
Key Persons
Ms. S.S. Dikhale ED (Marketing/PD), Chief Marketing Officer w.e.f. 20.04.2017

Shri Praveen Kumar Molri ED (INVO), Chief Investment Officer w.e.f. 20.04.2017
Shri Niraj Agarwal ED (Audit), Chief Internal Audit w.e.f. 01.09.2016
Shri Pradeep Kumar Jain ED (INV-RM & R), Chief Risk Officer w.e.f. 26.04.2018
Shri Devki Nandan Joshi ED (Board Sectt/GJF/Comp), Chief Compliance Officer w.e.f. 27.04.2018
Smt. S.S. Soman Chief (F&A), Chief Finance Officer w.e.f. 07.05.2018
Shri Dinesh Pant Appointed Actuary w.e.f. 17.01.2017
E) Statement containing names, description, occupations of and directorships held by the persons in charge of
management of the business under section 11(3) of the Insurance Act, 1938.
Sr. Name Description Profile/Directorship held as on 31st March, 2018

No.
1 Shri V.K.Sharna Chairman Chairman cum LIC Housing Finance Limited
}
LIC of India Director LIC Card Services Ltd.
LIC MF AMC Ltd.
LIC Pension Fund Ltd.
LIC (Lanka) Ltd.
LIC (Nepal) Ltd.
LIC HFL AMC Co.Ltd.
LIC (International) B.S.C.(c) Bahrain
LIC of Bangladesh Limited
LIC (Singapore)PTE Ltd.
Director - Kenindia Assurance Co. Ltd.
ACC Ltd.
ICICI Bank Ltd.
2. Ms. Usha Sangwan Managing Director LIC Director - Ambuja Cements Ltd.
of India Axis Bank Ltd.
BSE Limited
LIC Card Services Limited
LIC Housing finance Ltd.
General Insurance Corporation of India
Kenindia Assurance Co. Ltd.
LIC (International) B.S.C. Bahrain
205
3. lr. ho‘§V ^mJ©d à~§Y {ZXoeH$ AÜ¶j Am¡a EbAmB©gr ’§$S> Q´>ñQ>r H§$nZr
^maVr¶ OrdZ {~‘m {ZJ‘ {ZXoeH$ EbAmB©g Ho$Aa hmoåg {b{‘Q>oS>
{ZXoeH$ - EbAmB©gr noÝeZ ’§$S>
EbAmB©gr ~m§JbmXoe {b{‘Q>oS>
BÝ’«$mñQ´>³Ma qbqPJ A°ÊS> ’$mBZm{g¶b g{d©gog {b.
EbAmB©gr EME’$Eb E E‘ gr. H§$. {b.
dmoëQ>mg {b{‘Q>oS>
Q>mQ>m nm°da H§$nZr {b{‘Q>oS>
4. lr. ~r. EZ. doZwJmonmb à~§Y {ZXoeH$ {ZXoeH$ - EbAmB©gr (Zonmb) {b.
^maVr¶ OrdZ {~‘m {ZJ‘ ~„manya B§S>pñQ´>O {b.
ZoeZb H$m_moSrQr EÊS SoardoQrd EŠgMo§O {b.
5 lr. gwZrVm e‘m© à~§Y {ZXoeH$ {ZXoeH$ - Eb. AÊS> Q>r. {b.
^maVr¶ OrdZ {~‘m {ZJ‘ Z°eZb ñQ>m°H$ E³gM|O {b. (EZ.Eg.B©)
M) Cn¶w©³V g§~§{YV njH$mam| Ho$ gmW 2017-2018 df© Ho$ Xm¡amZ {ZJ‘ Ho$ g§ì¶dhmam| H$m ñdê$n Ed§ Am¶VZ {ZåZ h¡ :
(` bmI ‘|)
Egmo{gEQ²>g à‘wI
EbAm¶gr hmDqgJ EbAm¶gr EME\ EbAm¶gr à~§ YZ
\m¶ZmÝg {b. Eb EgoQ> ‘¡ZoO‘|Q> å¶wÀ¶wAb \§ S > H$m{‘© H$
H§$. EE‘gr> H§$.{b
Bp³dQ>r, F$Um| Am¡a å¶wÀ¶wAb \ÊS> H$s 0 - 726661.50 -
IarX (280000) (674218.90)
å¶wÀ¶wAb \ÊS> H$s {~H«$s - - 778938.42 -
(663242.78)
F$Um| Am¡a ~mÊS>m|, H$Om] na CÝ‘moMZ 28145.00 - -
(86085)
bm^ Am` 23699.72
(0)
{Zdoem| go bm^m§e Am¶ - - -
gmd{Y O‘m na ã¶mO g§~§Yr Am¶ 0 - - -
(6336.73)
{Zdoe ‘o§ Am¶ 178685.44 4.94 24.75 -
(159234.85) (14.83) (11465.90)
[H$am¶m 476.24 199.53 -
(367.81) (187.64)
AÝ¶ àemg{ZH$ ì¶¶ H$s 113.90 23.73 40.65 -
à{VnyVu/^yJVmZ (63.32) (8.45) (28.54)
à~§YH$s¶ n[al{‘H$ - - - 190.65
(107.22)
Hw$b 207420.58 28.67 1505864.85 190.65
(531887.71) (23.28) (1349143.76) (107.22)
206
206
61 st Annual Report
3. Shri Hemant Managing Director Chairman – LIC Mutual Fund Trustee Company
Bhargava LIC of India & Director LICHFL Care Homes Limited.
Director – LIC Pension Fund Ltd.

LIC of Bangladesh Limited
LIC (Lanka) Ltd.
Infrastructure Leasing and Financial Services
Ltd.
LICHFL Asset Management Co. Ltd.
Voltas Ltd.
The Tata Power Company Limited
4. Shri B. Venugopal Managing Director Director – LIC (Nepal) Ltd.
LIC of India Ballarpur Industries Ltd.
National commodities & Derivatives
ExchangeLtd.
5 Ms. Sunita Sharma Managing Director Director – Larsen & Toubro Limited
LIC of India National Stock Exchange of India Ltd. (NSE)
F) The nature and volume of transactions of the Corporation during the year 2017-2018 with the above related parties
were as follows:
(` in Lakhs)
Associates Key
LIC Housing Finance Ltd. LIC HFL Asset LIC Mutual Management
Management Fund AMC Ltd. Personnel
Co.
Purchase of Equity, Debts, bonds 0 - 726661.50 -
and Mutual Fund (280000) (674218.90)
Sale of Mutual Fund - - 778938.42 -
(663242.78)
Redemption on Debts & bonds / 28145.00 - -
Loans (86085)
Gain Income 23699.72
(0)
Dividend Income from Investments - - -
Interest Income on Fixed Deposit 0 - - -

(6336.73)
Income from Investment 178685.44 4.94 24.75 -
(159234.85) (14.83) (11465.90)
Rent 476.24 199.53 -
(367.81) (187.64)
Reimbursement / payment towards 113.90 23.73 40.65 -
other administrative Expenses (63.32) (8.45) (28.54)
Managerial Remuneration - - - 190.65
(107.22)
TOTAL 207420.58 28.67 1505864.85 190.65
(531887.71) (23.28) (1349143.76) (107.22)
207
(` bmI ‘|)
ghm¶H$ H§$n{Z¶m± g§¶w³V CÚ‘
EbAm¶gr EbAm¶gr EbAm¶gr EbAm¶gr EbAm¶gr EbAm¶gr Ho$ZB§{S>¶m B§{S>¶m BÝ\«m
noÝeZ \ÊS> H$mS>© Zonmb {b. ~m§JbmXoe (A§Vaamï´>r¶) (b§H$m){b. Eí¶moaoÝg H§$ F$U {b.
g{d©gog {~Eggr(gr) {b.
~harZ
Bp³dQ>r, F$Um| Am¡a å¶wÀ¶wAb - - - - - - - 0
\ÊS> (30000.00)
å¶wÀ¶wAb \ÊS> H$s {~H«$s - - - - - - - -
F$Um| Am¡a ~mÊS>m|, H$Om] na - - - - - - - -
CÝ‘moMZ
{Zdoem| go bm^m§e Am¶ - - - - - - - -
gmd{Y O‘m na ã¶mO g§~§Yr - - - - - - - -
Am¶
{Zdoe ‘o§ Am¶ - - - - 3374.64 16.46 35.32 4263.66
(3488.70) (18.13) (37.96) (1700)
dm{f©H$ VH${ZH$s/AmB©Q>r - - 20.00 - 20.00 - - -
g‘mYmZ \ rg àmá (20.00) (20.00)
[H$am¶m - 2.59 - - - - - -
(0)
AÝ¶ àemg{ZH$ ì¶¶ H$s 849.31 2.61 - - - - - -
à{VnyVu/^yJVmZ (858.25) (9.57)
à~§YH$s¶ n[al{‘H$ - - - 95.94 - - - -
(0)
849.31 5.20 20.00 95.94 3394.64 16.46 35.32 4263.66
Hw$b (858.25) (9.57) (20.00) (0) (3508.70) (18.13) (37.96) (31700.00)
9) g§¶w³V gh¶moJr H§$nZr¶m| ‘| ^mJrXmar g§~§Yr 31.3.2018 H$m {dËVr¶ {ddaU (bo.‘m.23)
(` bmI ‘|)
EbAm¶gr hmDqgJ EbAm¶gr EME\Eb EbAm¶gr å¶wÀ¶wAb EbAm¶gr
\m¶ZmÝg {b. EgoQ>‘¡ZoO‘|Q> H§$.{b # \§ S > EgoQ> ‘¡ZoO‘|Q> å¶wÀ¶wAb \§ S >
(boIm n[a[jV) (boIm n[a[jV) H§$.{b (AboIm Q´>ñQr> H§$.àm.{b
n[a[jV) (AboIm n[a[jV)
1. ‘| ñWm{nV ^maV ^maV ^maV ^maV
2. {Z¶§§ÌU H$m [hñgm 40.31% 5.38% 45% 49%
Egmo{gEQg go XrKm©d{Y {Zdoe 98599.11 49.44 495.00 0.49
{Zdoem| H$s bmJV (98599.11) (49.44) (495.00) (0.49)
OmoS>o/(KQ>mE§) A{YJ«hU Ho$ g‘¶ 0.00 0.00 0.00 0.00
gwZm‘/ (nw§OrJV g§M¶) (0.00) (0.00) (0.00) (0.00)
(KQ>mE§) : Egmo{gEQ>g go {dVaU 0.00 0.00 0.00 0.00
(0.00) (0.00) (0.00) (0.00)
OmoS>o/ (KQ>mE§) {ZdoeH$m| Am¡a Egmo{gEQ>g 0.00 0.00 0.00 0.00
Ho$ ~rM hþE boZXoZ Ho$ n[aUm‘ñdn àmßV (0.00) (0.00) (0.00) (0.00)
Z hþAm bm^ (hm{Z$)
OmoS>o/(KQ>mE§) g§M¶r d[a` eo¶am| 511618.94 148.94 4529.34 7.55
na bm^m§e Ho$ g‘m¶moOZ Ho$ níMmV (450705.16) (114.13) (4277.01) (6.25)
Egmo{gEQ> ‘|
bm^/(hm{Z) H$m {hñgm
Hwb 610218.05 198.38 5024.34 8.04
(549304.27) (163.57) (4772.01) (6.74)
* H$moð> () {XE JE Am§H$S>o {nN>bo df© H$s am[e Xem©Vr h¡.
# EbAm¶agr hmD$qgJ \mBZ|g {b. H$r Eb Eb AmB© gr EgoQ> ‘¡ZoO‘|Q> H§$. ‘| 94.62% [hñgoXmar h¡.
208
208
61 st Annual Report
(` in Lakhs)
Subsidiaries Joint Venture
LIC LIC Card LIC LIC LIC LIC (Lanka) Kenindia India Infra
Pension Services Nepal Ltd. Bangladesh (International) Ltd. Assurance Debt Ltd.
Fund B.S.C.(c) Co. Ltd.
Bahrain
Purchase of Equity, - - - - - - - 0
Debts, bonds and (30000.00)
Mutual Fund
Sale of Mutual Fund - - - - - - - -
Redemption on Debts - - - - - - - -
& bonds / Loans
Dividend Income from - - - - - - - -
Investments
Interest Income on - - - - - - - -
Fixed Deposit
Income from - - - - 3374.64 16.46 35.32 4263.66
Investment (3488.70) (18.13) (37.96) (1700)
Annual Technical/ - - 20.00 - 20.00 - - -
I.T. Soluation fees (20.00) (20.00)
received
Rent - 2.59 - - - - - -
(0)
Reimbursement / - - - - - -
payment towards 849.31 2.61
other administrative (858.25) (9.57)
expenses
Software Package - - - 95.94 - - - -
e Life (0)
849.31 5.20 20.00 95.94 3394.64 16.46 35.32 4263.66
TOTAL (858.25) (9.57) (20.00) (0) (3508.70) (18.13) (37.96) (31700.00)
9) FINANCIAL REPORTING OF INTEREST IN ASSOCIATES -AS 23 AS AT 31.3.2018

(` in Lakhs)
LIC Housing LIC HFL Asset LIC Mutual LIC Mutual Fund
Finance Ltd. Management Fund Asset Trustee Company
Company Ltd.# Management Co. Pvt. Ltd.
(Audited) (Audited) Ltd. (Unaudited)
(Unaudited)
1. Incorporated in India India India India
2. Proportion of Holding 40.31% 5.38% 45% 49%
Long Term Investment in Associates 98599.11 49.44 495.00 0.49
Cost of Investments (98599.11) (49.44) (495.00) (0.49)
Add/ (Less) 0.00 0.00 0.00 0.00
Goodwill / (Capital Reserve) at the
time of acquisition (0.00) (0.00) (0.00) (0.00)
(Less) : Distribution from 0.00 0.00 0.00 0.00
Associates (0.00) (0.00) (0.00) (0.00)
Add / (Less) 0.00 0.00 0.00 0.00
Unrealized Profit /(Loss) resulting
from transaction between Investors (0.00) (0.00) (0.00) (0.00)
and Associates.
Add/(Less)
Share of Profit / (Loss) in 511618.94 148.94 4529.34 7.55
Associate after adjustment of (450705.16) (114.13) (4277.01) (6.25)
dividend on cumulative
preferential shares
TOTAL 610218.05 198.38 5024.34 8.04
(549304.27) (163.57) (4772.01) (6.74)
* Figures in brackets ( ) indicate previous year’s figures
# LIC Housing Finance Ltd. is holding 94.62% in LIC HFL Asset Management Company Ltd.
209
10) g§¶w³V gh¶moJr H§$nZr¶m| ‘| ^mJrXmar g§~§Yr 31.3.2018 H$m {dËVr¶ {ddaU (bo.‘m.21)
EbAm¶gr noÝeZ EbAm¶gr H$mS>© EbAm¶gr (qgJmnya) EbAm¶gr
\ÊS> {b. g{d©gog {b. nrQ>mB© {b. ~m§JbmXoe
(boIm n[a[jV) (AboIm n[a[jV) (boIm n[a[jV) (boIm n[a[jV)
31.03.2018 H$mo 31.03.2018 H$mo 31.12.2017 H$mo 31.12.2017 H$mo
1. ‘| ñWm{nV ^maV ^maV {g§Jmnwa ~§JbmXoe
2. {Z¶§§ÌU H$m [hñgm 100% 100% 100% 83.33%
3. n [agånpËV¶m±, Xo¶VmE§ Am¡a {Zdb bm^
H$s AZwnm{VH$ amer
(` bmI ‘|)
n[agånpËV¶m± 4530 778 20077 3866
(4194) (911) (12335) (4405)
Xo¶VmE§ 1000 564 14792 30.00
(795) (769) (6195) (61)
H$a níMmV bm^ 131 51 -945 52
(109) (48) (-994) (-153)
4.Hw$b ì¶mnH$ Am¶ - - -945 -
( -994 ) (- )
5. AmH$pñ‘H$ Xo¶VmAm| ‘| {hñgm 70.00 0 0 0
(31.00) (0) (0) (0)
# #
EbAm¶gr Zonmb {b. EbAm¶gr EbAm¶gr (b§H$m){b.
(AboIm n[a[jV) (A§Vaamï´>r¶) (boIm n[a[jV)
{~Eggr(gr) ~harZ
(boIm n[a[jV)
15.07.2017 H$mo 31.12.2017 H$mo 31.12.2017 H$mo
1. ‘| ñWm{nV Zonmb ~harZ lrb§H$m
2. {Z¶§§ÌU H$m [hñgm 55% 98.90% 80%
3. n [agånpËV¶m±, Xo¶VmE§ Am¡a {Zdb bm^ H$s
AZwnm{VH$ amer
(` bmI ‘|)
n[agånpËV¶m± 130321 1384882 8872
(100596) (1211579) (8180)
Xo¶VmE§ 138588 1274553 6899
(103318) (1110964) (6269)
H$a níMmV bm^ 1660 10806 100
(1105) (9156) (11)
4.Hw$b ì¶mnH$ Am¶ - 19449 233
(14614) (-104)
5. AmH$pñ‘H$ Xo¶VmAm| ‘| {hñgm 96 14013 0
(78) (15737) (0)
# # #
** n[agån{V¶m| Ed§ Xm{¶Ëdm| Ho$ {bE {dpËV¶ {ddaUm| H$s Vm[aI H$r {d{Z‘¶ Xam| H$mo {b¶m J¶m h¡, Am¡a Am¶ Ed§ ì¶¶ Ho$ {bE df© H$m Am¡gV
{b¶m J¶m h¡.
# boIm H$mo ñWmZr¶ {~‘m {d{Y¶m| Ho$ AZwgma V¡¶ma {H$¶m J¶m h¡.
210
210
61 st Annual Report
10) FINANCIAL REPORTING OF INTEREST IN SUBSIDIARIES -AS 21 AS AT 31.3.2018
LIC Pension Fund LIC Card Services Life Insurance LIC Bangladesh
Ltd Ltd. Corporation (Audited)
(Audited) (Unaudited) (Singapore)
Pte Ltd.
(Audited)
As at As at As at As at
31.03.2018 31.03.2018 31.12.2017 31.12.2017
1. Incorporated in India India Singapore Bangladesh
2. Proportion of Holding 100% 100% 100% 83.33%
3. Proportionate amount of
Assets, Liabilities and Net Profit.
(` in Lakhs)
Assets 4530 778 20077 3866
(4194) (911) (12335) (4405)
Liabilities 1000 564 14792 30.00
(795) (769) (6195) (61)
Profit/(Loss) after tax 131 51 -945 52
(109) (48) (-994) (-153)
4.Total Comprehensive Income - - -945 -
( -994 ) (- )
5. Share in contingent liabilities 70.00 0 0 0
(31.00) (0) (0) (0)
# #
LIC (Nepal) Ltd. LIC (Intl), B.S.C (c), LIC (Lanka) Ltd.
(Unaudited) Bahrain (Audited)
(Audited)
As at As at As at
15.07.2017 31.12.2017 31.12.2017
1. Incorporated in Nepa Bahrain Sri Lanka
2. Proportion of Holding 55% 98.90% 80%
(` in Lakhs)
Assets 130321 1384882 8872
(100596) (1211579) (8180)
Liabilities 138588 1274553 6899
(103318) (1110964) (6269)
Profit/(Loss) after tax 1660 10806 100
(1105) (9156) (11)
4.Total Comprehensive Income - 19449 233
(14614) (-104)
5. Share in contingent liabilities 96 14013 0
(78) (15737) (0)
# # #
*Figures in brackets ( ) indicate previous year’s figures.
** Exchange rates are as on date of financial statements for assets & liabilities & average for the year for Income & expenses.
# The Accounts have been prepared as per local insurance laws.
211
11) g§¶w³V CÚ‘m| ‘| ^mJrXmar g§~§Yr 31.3.2018 H$m {dËVr¶ {ddaU (bo.‘m.27)…
Ho$ZB§{S>¶m Eí¶moaoÝg H§$. gmD$Xr B§{S>¶Z H§$nZr B§{S>¶m BÝ\«mS>oãQ> {b.
{b. \m°a H$moAm° nao{Q>d (boIm n[a[jV)
(boIm n[a[jV) BÝí¶yaoÝg
(AboIm n[a[jV)
31.12.2017 H$mo 31.12.2017 H$mo 31.03.2018 H$mo
1. ‘| ñWm{nV Ho$Z¶m gmD$Xr ^maV
2. {Z¶§§ÌU H$m [hñgm 10.21% 4.98% 10%
3. n [agånpËV¶m±, Xo¶VmE§ Am¡a {Zdb bm^ H$s
AZwnm{VH$ amer
(` bmI ‘|)
n[agånpËV¶m± 26804.85 4885.45 83166.92
(26069.94) (6600.30) (49394.21)
Xo¶VmE§ 24326.53 4176.62 73753.62
(23829.36) (5563.38) (43284.24)
Am¶ 5396.11 3657.37 6622.98
(4697.48) (4767.98) (3347.35)
ì¶¶ 4965.69 3936.88 5298.18
(4460.62) (4179.29) (2866.35)
4. AmH$pñ‘H$ Xo¶VmAm| ‘| {hñgm 1366.51 0.00 0.00
(1435.59) (0.00) (0.00)
# #
** n[agån{V¶m| Ed§ Xm{¶Ëdm| Ho$ {bE {dpËV¶ {ddaUm| H$s Vm[aI H$r {d{Z‘¶ Xam| H$mo {b¶m J¶m h¡, Am¡a Am¶ Ed§ ì¶¶ Ho$ {bE df© H$m Am¡gV
{b¶m J¶m h¡.
# boIm H$mo ñWmZr¶ {~‘m {d{Y¶m| Ho$ AZwgma V¡¶ma {H$¶m J¶m h¡.
12) ñWm¶r n[agånpËV na à^m{dV ‘yë¶hmg H$s Xa :
H«$.g§ gån[V ‘yë¶hmg H$s Xa
H$ \{Z©Ma Ed§ [\qQ>½g
1 \{Z©Ma Ed§ [\qQ>½g 10%
2 ao[\« OaoQ>a Ed§ Ob erVH$, AÝ¶ 13.91%
3 {H$amE Ho$ ^dZm| ‘| {dÚwVCnH$aU/N>V n§Io 10%
4 {H$amE na/ {ZOr ^dZm| ‘| n§Io (Q>o~b/noS>oñQ>b) 10%
I gwMZm àmoÚmo{JH$s H$s CnñH$a
1 Bbo³Q´>m°{ZH$ g§JUH$/‘m¶H«$mo àmogoga/qàQ>a 30%
2 ‘m¶H«$mo àmogoga Ho$ {bE gm°\Q>doAa 30%
3 H$mQ>}O Q>oßg VWm H$mQ>}O {S>ñH$g 30%
J dmhZ
1 gmB©H$b 15%
2 ‘mo~mB©b àMma dmhZ 20%
3 ñQ>m\ H$ma 20%
4 Orn 20%
5 H$m¶m©b¶ H$ma - ¶moOZm VI 20%
K H$m¶m©b¶ CnñH$a
212
212
61 st Annual Report
11) FINANCIAL REPORTING OF INTEREST IN JOINT VENTURES - AS (27) AS AT 31.3.2018
Kennindia Assurance SAUDI INDIAN INDIA INFRADEBT LTD.

Co. Ltd. COMPANY FOR
(Unaudited) CO-OPERATIVE (Audited)
INSURANCE
(Audited)
As at As at As at
31.12.2017 31.12.2017 31.03.2018
1. Incorporated in Kenya Saudi India
2. Proportion of Holding 10.21% 4.98% 10%
(` in Lakhs)
Assets 26804.85 4885.45 83166.92
(26069.94) (6600.30) (49394.21)
Liabilities 24326.53 4176.62 73753.62
(23829.36) (5563.38) (43284.24)
Income 5396.11 3657.37 6622.98
(4697.48) (4767.98) (3347.35)
Expenses 4965.69 3936.88 5298.18
(4460.62) (4179.29) (2866.35)
4. Share in contingent liabilities 1366.51 0.00 0.00
(1435.59) (0.00) (0.00)
# #
* Figures in brackets ( ) indicate previous year’s figures.
** Exchange rates are as on date of financial statements for assets & liabilities & average for the year for Income & expenses.
# The Accounts have been prepared as per local insurance laws.
12) Rates of Depreciation charged on Fixed Assets:
Sr. Asset Rate of Depreciation

No.
A Furniture and fittings
1 Furniture and fittings 10%
2 Refrigerators and water coolers, etc. 13.91%
3 Electric fittings and ceiling fans in 10%
rented premises
4 Fans (table/pedestal) in rented/ 10%
owned premises
B Information Technology Equipment
1 Electronic Computers/microprocessors 30%
Printers
2 Software for microprocessors 30%
3 Cartridge tapes, cartridge discs 30%
C Vehicles
1 Cycles 15%
2 Mobile Publicity Vans 20%
3 Staff Cars 20%
4 Jeeps 20%
5 Office Cars- Scheme VI 20%
D Office Equipment
213
H¡$ÝQ>rZ CnñH$a
1 10%
boIm ‘erZ
2 30%
ES´>ogmoJ«m\/ES´>o‘m VWm ~«S>‘m ‘erZ§o
3 10%
Q>§H$Z ‘erZ§o
4 10%
Sw>[ßbHo$Q>g©
5 20%
MoH$ {bIZodmbm
6 10%
\«±qH$J ‘erZ
7 10%
Vwbm ‘erZ
8 10%
H$m°ånQ>mo‘rQ>g©, OmoS> VWm n[aH$bZ ¶§Ì
9 20%
S>… AÝ¶
1 Xÿa^mf 10%
2 \¡³g/BnrE~rE³g 10%
3 ‘mo~mB©b \moÝg VWm AÝ¶ g§MmaU CnñH$a 30%
4 nwñVH$mb¶ H$r nwñVHo$ 20%
5 {d{dY ny§Or CnñH$a 10%
6 ÑH$ lmì¶ VWm AÝ¶ g§~§{YV CnñH$a 30%
7 {ZAm°Z {MÝh, CXrpßX {MÝh, {dkmnZ nQ> Ed§ AÝ¶ àMma gm‘J«r 20%
8 A{^¶m{ÌH$s {d^mJ CnñH$a ` 5000/- go Á¶mXm Ho$ 12.50%
9 dm°ëQ>oO ñQ>o~rbmBOa VWm ¶ynrEg 30%
10 {H$amE na ^dZm| ‘| OZaoQ>g© S>rOr goQ>g² 30%
M ^y{‘ Ed§ ^dZ
1 J¥h gånpËV Ed§ ^y{‘ (~§YZ ‘w³V) 2%
2 J¥h gånpËV Ed§ ^y{‘ (~§YH$) nÅm An{Y AmYm[aV ¶WmZwnmV
3 gaH$mar g§ñWm ‘| I[aXo JE ñdm{‘Ëd dmbo {Zdmg I§S> 2%
4 J¥h gånpËV Ed§ ^y{‘ (~§YZ ‘w³V Ed§ ~§YH$) ‘| {dÚwV g§ñWmnZ, n§Io, 10%
{bßQ> Ed§ OZaoQ>a
13) àmdYmZmo H$s J{V :
(` bmI ‘|)
1 àñVm{nV bm^m§e Ho$ {bE (5% ‘yë¶Z A{Yeof)
àma§{^H$ eof 220033.36 249703.48
df© Ho$ Xm¡amZ ¶moJ 225242.26 220033.36
^maV gaH$ma H$mo Xr JB© am{e 220033.36 249703.48
B{V eof 225242.26 220033.36

2 emoYj‘Vm gr‘m Ho$ {bE Amdí¶H$ àmdYmZ
àma§{^H$ eof 1494305.60 1494305.60
df© Ho$ Xm¡amZ ¶moJ 0.00 0.00
df© Ho$ Xm¡amZ H$Q>m¡{V¶m± 0.00 0.00
B{V eof 1494305.60 1494305.60
214
214
61 st Annual Report
1 Canteen Equipment 10%

2 Accounting machines 30%
3 Addressograph, Adrema and Bradma 10%
Machines, etc.
4 Typewriters 10%
5 Duplicators 20%
6 Cheque Writers 10%
7 Franking machines 10%
8 Weighing Machines 10%
9 Comptometers, adding and calculating 20%
Machines
E Others
1 Telephones 10%
2 Fax/Epabx 10%
3 Mobile phones and other communication 30%
equipment
4 Library Books 20%
5 Miscellaneous Capital Equipment 10%
6 Audio Visual & other Allied equipment 30%
7 Neon signs, Glow signs, Hoardings 20%
and other publicity materials
8 Engineering Department's equipment 12.50%
costing over `. 5000/-
9 Voltage stabilizers and UPS 30%
10 Generators, DG sets in rented premises 30%
F LAND AND BUILDING
1 House Property and Land (Freehold) 2%
2 House Property and Land (Leasehold) Pro rata based on lease period
3 Ownership Flats purchased in Co-op 2%
Societies
4 Electrical Installations, fans, lifts and 10%
generators in House Property(Freehold &
Leasehold)
13) Movement of Provisions:
(` in Lakhs)
1 For Proposed Dividend
(5% Valuation Surplus)
Addition during the year 225242.26 220033.36
Amount paid to Government of India 220033.36 249703.48
Closing Balance 225242.26 220033.36

2 Provision for reserve for solvency margin
Opening Balance 1494305.60 1494305.60
Addition during the year 0.00 0.00
Deduction during the year 0.00 0.00
Closing Balance 1494305.60 1494305.60
215
14) à~§YZ H m ì`` : :

à~§YZ H m ì`` AmB©AmaSrEAmB© Ho {d{Z`_Z 2016 (OrdZ ~r_m ì`dgm` _o§ OwQo hwE ~r_mH Vm© Ho à~§YZ H m ì``) Ho AZwgma
VrZ I§Smo§ H mo Nmo‹SH a h¡& hmbm§{H Hw b {_bmH a à~§YZ Ho dmñV{dH ì`` g^r I§Smo§ Ho {bE ñdrH m`© Hw b ì`` H r gr_m Ho
^rVa h¢&
15) {dXoer ‘wÐm ^§S>ma:
\rOr, ‘m°[aeg Am¡a ¶y.Ho$. ‘oo MbmE JE àMmbZ J¡a g‘mH$b ñdê$n Ho$ h¡. amOñd boIo H$s ‘Xo| Am¡gV {d{Z‘¶ Xa na VwbZ-nÌ ‘| ê$nm§V[aV H$s
OmVr h¡. nwZ‘y©ë¶m§H$Z {d{Z‘¶ H$m A§Va df© 2010-11 VH$ amOñd boIo ‘| à^m{aV.{H$¶m J¶m Wm, A~ ¶o AZwgyMr 6-H$… ~r‘m Ama{jV YZamer
(nm°{bgrYmaH$) Am¡a AZwgyMr 6 … Ama{jV Am¡a A{Yeof (eo¶aYmaH$) Ho$ A§VJ©V {dXoer {d{Z‘¶ ^§S>ma ‘| g§{MV h¡.
16) gyú‘, bKw Ed§ ‘Ü¶‘ loUr Ho$ CÚ‘ {dH$mg A{Y{Z¶‘ 2006:
à~§YZ Ho$ nmg CnbãY gyMZm Ho$ AZwgma gyú‘, bKw Ed§ ‘Ü¶‘ loUr Ho$ CÚ‘ {dH$mg A{Y{Z¶‘, 2006 Ho$ A§ÝVJ©V {d{^ÝZ Amny{V©H$Vm©Am| Ûmam
Xr JB© gyMZm Ho$ AmYma na Bg A{Y{Z¶‘ Ûmam em{gV gyú‘, bKy Ed§ ‘Ü¶‘ CÚmoJm| H$mo {ZJ‘ go {ZåZ amer ~H$m¶m Wr :
(` bmI ‘|)
H « $ . {ddaU 31 ‘mM©, 2018 31 ‘mM©, 2017 H$mo
g§. H$mo
1 gyú‘, bKy Ed§ ‘Ü¶‘ CÚ‘ H$mo AàXËV ~Mr ‘ybYZ H$s YZamer 4.13 eyÝ¶
2 Cna 1 Ho AZwgma AàXËV nS>r ‘ybYZ H$s YZamerna Cn{MV ã¶mO eyÝ¶ eyÝ¶
3 godmAm| H$s gwnwX©Jr/H$s VmarI go 15 {XZ ¶m gh‘V g‘¶ Ho$ níMmV df© go Xm¡amZ ‘ybYZ 1.95 eyÝ¶
H$s YZam{e Ho$ ^yJVmZ na ^yJVmZ H$s JB© ã¶mO H$s YZam{e
4 df© Ho$ Xm¡amZ ‘ybYZ na Xo¶ na Xo¶ na§Vw A^r VH$ ^wJVmZ {H$¶m J¶m ã¶mO eyÝ¶ eyÝ¶
5 AmJm‘r dfm] ‘| ^r Xo¶ Am¡a ^wJVmZ¶mo½¶ AJbo ã¶mO H$s YZam[e, Cg VmarI VH$ O~ eyÝ¶ eyÝ¶
H$mQ>o OmZo ¶mo½¶ IM} H$s AZw‘{V Z XoZo H$s CÔoí¶ Ho$ {bE Cn¶w©³V Xo¶ ã¶mO H$m bKw CÚ‘
H$mo dmñVd ‘| ^wJVmZ Z H$a {X¶m OmE.
17) AD$Q>gmog© ì¶¶, ì¶dgm¶ {dH$mg Ed§ {dnUZ ghm¶Vm
(` bmI ‘|)
AD$Q>gmog© ì¶¶ 24213.07 18296.68
ì¶dgm¶ {dH$mg 129935.93 103134.77
{dnUZ ghm¶Vm 56467.04 43436.99
216
216
61 st Annual Report
14) Expenses of Management:

The Expenses of Management are in accordance with the Regulation of IRDAI (Expenses of Management of Insurer transacting life
insurance business) Regulation 2016 except in three segments. However on an overall basis the actual expenses of management
are within the limit of aggregate expenses allowable for all the segments.
15) Foreign Exchange Reserve:
Operations carried out in Fiji, Mauritius and U.K. are of non integral nature. The Revenue A/c items are translated at the average
exchange rate and Balance Sheet at closing rate. Revaluation Exchange difference which was charged to Revenue A/c till the year
i.e. 2010-11 is now accumulated in Foreign Exchange Reserve under Sch 6A : Insurance Reserves (Policyholders) and Sch 6 :
Reserve and surplus (shareholders).
16) The Micro, Small and Medium Enterprises Development Act, 2006:
According to information available with the management, on the basis of intimation received from suppliers, regarding their status
under the Micro, Small and Medium Enterprises Development Act, 2006 (MSMED ACT), the corporation has amounts due to Micro
and Small Enterprises under the said Act as follows:
(` in Lakhs)
Sr. Particulars As at March 31, As at March 31,

No. 2018 2017
1 Principal amount remaining unpaid to Micro, small & medium enterprise. 4.13 Nil
2 Interest accrued on principal amount remaining unpaid as per 1 above. Nil Nil
3 Amount of interest paid during the year along with the payment of principal 1.95 Nil
amount made beyond 15 days or agreed time from the date of delivery /
rendering of services.
4 Interest due but yet to be paid on principal during the year. Nil Nil
5 Amount of further interest remaining due and payable even in the succeeding Nil Nil
years, until such date when the interest dues as above are actually paid to the
small enterprise, for the purpose of disallowance as deductible expenditure.
17) Outsourcing Expenses, Business Development and Marketing Support:
(` in Lakhs)
Particular Current Year Previous Year

Outsourcing Expenses 24213.07 18296.68
Business Development 129935.93 103134.77
Marketing Support 56467.04 43436.99
217
18) {d{dY gaH$mar g§ñWmAm| Ûmam {bE J¶o XmpÊS>H$ H$m¶©dmhr …

H«$. g§. g§ñWm J¡a AZwnmbZ/ am{e (` bmI ‘|)
Cëb§KZ XÊS> gå‘m{ZV XÊS> àXËV XÊS> A{YË¶mJ
KQ>m¶m J¶m
1 ~r‘m {d{Z¶m‘H$ Ed§ àm{YH$aU 0 0 0

{ZMo Xr JB© Vm{bH$m
2 godm H$a àm{YH$aU Ho$ AZwgma 0.02 0.02 0
3 Am¶H$a àm{YH$aU 58.78 58.78 0
4 AÝ¶ H$a àm{YH$aU 0 0 0
5 àdV©Z {ZXoemb¶/{ZUm©¶H$ àm{YH$aU/Ý¶m¶m{YH$aU 0 0 0
Am¡a \o‘m Ho$ A§VJ©V H$moB© ^r àm{YH$aU
6 H§$nZr a{OñQ´>ma/EZgrEbQ>r/grEb~r/{ZJ{‘V H$m¶© 0 0 0
{d^mJ Am¡a H§$nZr E³Q>, 1956 Ho$ A§VJ©V AÝ¶
àm[YH$aU
7 {H$gr Ý¶m¶mb¶/Ý¶m¶m{YH$aU Ûmam {H$gr ^r {df¶ 1.39 1.39 0
Xmdm ^wJVmZ j{Vny{V© H$mo N>moS>H$a {X¶m J¶m XÊS>
8 {g³¶w[aQ>r EÊS> E³gM|O ~moS>© Am°\ B§{S>¶m 0 0 0
9 H$pånQ>reZ H$‘reZ Am°\ B§{S>¶m 0 0 0
10 AÝ¶ H|${Ð¶/amÁ¶/ñWmZr¶/gaH$mar/g§{d{YH$ 0.66 0.66 0
àm{YH$aU
Hw$b 60.85 60.85 0
J¡a AZwnmbZ/Cëb§KZ H$m {ddaU:
{aQZ© \ mB{b§J Ed§ H$amYmZ O_m H$aZo _o§ Xoar 59.22
noeoda H$a Ho$ Xoa go n«ofU 0.37
~r_mYmaH$mo§ Ho$ nj _o§ AXmbV Ûmam {X`m J`m Ow_m©Zm 1.14
~r_mYmaH$ _m_bo Ho$ Abmdm gaH$mar n«m{YH$aU Ûmam {X`m J`m Ow_m©Zm 0.10
godm H$a n«m{YH$aU 0.02
Hw$b 60.85
19) \« r -byH$ Ad{Y Ho$ {bE àmdYmZ:
31.03.2018 H$mo \« r -byH$ Ad{Y Ho$ {bE àmdYmZ,‘mh Aà¡b, 2018 Ho$ dmñV{dH$ {à{‘¶‘ dmngr Ho$ AmYma na {H$¶m J¶m h¡. ¶h àmdYmZ ¶h
‘mZVo hþE {H$¶m J¶m h¡ H$s ‘mh Aà¡b 2018 ‘| Omo g‘ñV àr{‘¶‘ dmngr H$m ^wJVmZ {H$¶m J¶m h¡ dh CZ nm°{b{g¶m| go g§å~pÝYV h¡ Omo {H$ 31
‘mM©, 2018 ¶m Cggo nhbo nyU© hþB© h¡.
20) gm§{d{YH$ boIm n[ajH$mo§ H$mo {X¶m J¶m A{V[a³V H$m‘:
(` bmI ‘|)
boIm n[ajH$mo§ Ho$ Zm‘ àXmZ H$s JB© godmE§ 31 ‘mM©, 2018 H$mo 31 ‘mM©, 2017 H$mo
Eg/Eg I>ÝS>obdmb O¡Z EÊS> H§$. à‘mUZ H$m¶© 2.09 2.48
Eg/Eg Or. S>r. AmßQ>o EÊS> H§$. à‘mUZ H$m¶© 0.00 2.48
Eg/Eg dr. e§H$a Aæ¶a EÊS> H§$. à‘mUZ H$m¶© 0.00 1.00
(Cna Xem©ò A§mH$µµ‹So godm H$a/OrEgQr H$mo Nmo‹S H$a h¡§)
218
218
61 st Annual Report
18) Penal action taken by various Government Authorities
Sl No. Authority Non- Amount (` in Lakhs)

Compliance/ Penalty Awarded Penalty Paid Penalty
Violation Waived/
Reduced
1 Insurance Regulatory and Development 0 0 0
Authority as per table
given below
2 Service Tax Authorities 0.02 0.02 0
3 Income Tax Authorities 58.78 58.78 0
4 Any other Tax Authorities 0 0 0
5 Enforcement Directorate/ Adjudicating Authority/ 0 0 0
Tribunal or any Authority under FEMA
6 Registrar of Companies/ NCLT/CLB/ 0 0 0

Department of Corporate Affairs or any Authority
under Companies Act, 1956
7 Penalty awarded by any Court/ Tribunal for any 1.39 1.39 0

matter including claim settlement but excluding
compensation
8 Securities and Exchange Board of India 0 0 0
9 Competition Commission of India 0 0 0

10 Any other Central/State/Local Government / 0.66 0.66 0
Statutory Authority
Total 60.85 60.85 0
Details of non compliance/Violation:
Delay In return filling & late remittance of tax 59.22
Late remittance of professional tax 0.37
Penalty awarded by Court in favour of policyholders 1.14
Penalty awarded by Govt. Authority other than the policyholder 0.10
matters.
Service Tax Authority 0.02

Total 60.85
19) Provision for free-look period:

Provision for free-look period as at 31.03.2018 has been made on the basis of actual premium refunded during April, 2018. The
provision is made with an assumption that all refund of premium during the month of April, 2018 pertained to the policies completed
on or before 31st March, 2018.
20) Additional work given to Statutory Auditors:
(` in Lakhs)
Name of the Auditors Services rendered As at March 31,2018 As at March 31,2017

M/s Khandelwal Jain & Co. Certification Work 2.09 2.48
M/s G D Apte & Co. Certification Work 0.00 2.48
M/s V Shankar Aiyar & Co. Certification Work 0.00 1.00
(The above figures are excluding GST/Service Tax)
219
21) ^maVr¶ boIm ‘mZH$ Ho$ {H$«¶mÝd¶Z H$s àJ{V :

AmB© Ama Sr E AmB© n{anÌ g§. AmB© Ama Sr AmB©/E\$ E§S E/gr AmB© Ama/ AmB© E\$ Ama Eg/ 038/03/2016 {XZm§{H$V 01.03.2016 Ho$ VhV
~r_m H§$n{Z`mo H$mo gmbo§gr {d{Z`_Z Amdí`H$Vm`mo H$mo XoIVo hwE, ny§Or H$r n`m©áVm g{hV, {dÎmr` {ñWVr na ^maVr` E Eg H$m`m©Ýd`Z Ho$ n«^mV
H$m AmH$bZ H$aZm hmoJm Am¡a Bgo AnZo Ì¡_m{gH$ {anmoQ© _o§ ~moS© Ho$ g_j noe H$aZm hmoJm&
AmB© Ama Sr E AmB© Ama Sr E AmB©/ E\$ E§S E/ gr AmB© Ama/ E gr Qr Eg / 146/06/2017 {XZm§{H$V 28/06/2017 Ho$ VhV ~r_m joÌ _o§
^maVr` E Eg H$m H$m`m©Ýd`Z 2 gmb Ho$ {bE hmb {X`m J`m h¡& A~ `h {dÎm df© 2020-21 go bmJw hmoJm& hmbm§{H$ Ì¡_m{gH$ AmYma na {dÎmr`
{ddaUmo§ H$mo ^maVr` E Eg n«mo\$m_m© Ho$ AZwgma O_m H$aZo§ H$r Amdí`H$Vm Omar ahoJr& {dÎmr` {ddaUmo§ H$mo ^maVr` E Eg n«mo\$m_m© Ho$ AZwgma Om_m
{H$`m Om MwH$m h¡&
22) gmV F$U Ho$ VhV gwajm am{e a 2005-83 H$amoS H$r Am§{eH$ êŸn go {Zînm{XV H$r JB© h¡§ Ed§ CgH$r C{MV n«{H«$`m Mb ahr h¡&
23) {ZJ_ Ho$ H$_©Mm{a`mo§ H$m doVZ g§emoYZ ha nm§M dfmoª _o§ {H$`m OmVm h¡ Am¡a dV©_mZ doVZ g§emoYZ 1 AJñV 2017 go Xo` hmo J`m h¡& BgHo$ {bE A§{V_
{ZU©` b§{~V h¡, BgH$m n«mdYmZ AZw_m{ZV AmYma na {H$`m J`m h¡&
24) {ZJ‘ Ho$ IÊS>dma n[agånpËV¶m± VWm Xm{¶Ëdm| H$s OmZH$mar ¶Wm g§^d àmá H$s h¡.
25) {dpËV¶ {ddaUm| ‘| H$moðH$ ( ) ‘| {XE JE Am§H$S>o F$UmË‘H$ eof ~VmVo h¡.
26) Ohm± H$hr Amdí¶H$ hmo {nN>bo df© Ho$ Am§H$S>o H$mo Bg df© Ho$ Am§H$S>o go VwbZm Ho$ {bE [\ a go nwZ©JRrV {H$`m J¶m h¡.
220
220
61 st Annual Report
21) Progress of implementation of Ind AS:

As per IRDAI circular ref: IRDA/F&A/CIR/IFRS/038/03/2016 dated 01.03.2016 insurers have to assess the impact of the Ind
AS implementation on their financial position including the adequacy of capital, taking into the account the solvency regulation
requirements and place quarterly progress reports to their Board.
IRDAI had through circular ref: IRDA/F&A/CIR/ACTS/146/06/2017 dated 28th June 2017 deferred the implementation of Ind AS in
the Insurance Sector for a period of two years and the same shall now be implemented from FY 2020-21. However, the requirement
of submitting Proforma Ind AS financial statements on a quarterly basis shall continue. Ind AS proforma financial statements have
been submitted accordingly.
22) Security under seven loans, amounting to Rs. 2005.83 crore executed partially and is under due process.
23) Wage revision of the employees of the Corporation is done every five years and the present wage revision has become due on 1st
August, 2017. Pending final decision for the same, provision has been made on the estimated basis.
24) Segment wise assets and liabilities have been ascertained by the Corporation to the extent possible
25) Figures in bracket ( ) in financial statements indicate negative balances.
26) Previous year’s figures have been recast / regrouped wherever necessary to make them comparable with those of the Current Year.
221
{dÎmr¶ {ddaUm| H$m gmam§e

Summary of Financial Statements
n[a{eîQ>-I
Annexure I
(` bmIm| ‘|)
(` in Lakhs)
H«$.g§. {ddaU
2017-18 2016-17 2015-16 2014-15 2013-14
Sl.No. Particulars
nm°{bgrYmaH$m| H$m ImVm
POLICYHOLDERS' A/C
1 gH$b àr{‘¶‘ Am¶
Gross Premium Income 31822320.56 30048735.98 26644420.56 23966765.14 23694230.07
2 ewÜX àr{‘¶‘ Am¶ ^
Net Premium Income ^ 31785098.87 30019668.40 26622538.36 23948277.17 23679807.36
3 {Zdmgm| go Am¶ (ewÜX)@
Income from Investments (Net) @ 20495899.68 19182291.42 15699685.80 16778605.66 14296712.03
4 AÝ¶ Am¶
Other Income 80112.77 60699.70 96444.04 27752.76 27724.64
5 Hw$b Am¶
Total Income 52361111.32 49262659.52 42418668.20 40754635.59 38004244.03
6 H$‘reZ
Commissions 1822681.87 1659006.66 1547716.58 1509209.66 1668129.14
7 Xbmbr
Brokerage 0.00 0.00 0.00 0.00 0.00
8 ~r‘m ì¶dgm¶ go g§~§{YV àMmbZ ì¶¶
Operating Expenses related
insurance business 3014239.54 2894465.65 2269276.57 2239269.56 2376589.50
9 H$amYmZ Am¡a Xÿgam| Ho$ {bE àmdYmZ
Provision for Taxation and Others 1401518.94 1109005.55 664411.33 506303.98 451990.71
10 Hw$b Am¶
Total Expenses 6238440.35 5662477.86 4481404.48 4254783.20 4496709.35
11 nm°{bgrYmaH$m| H$mo ^wJVmZ *
Payment to policyholders * 19811983.14 16762427.46 14344516.89 14602550.23 15951923.61
12 ~r‘m§H$Z Xo¶Vm ‘| d¥pÜX
Increase in actuarial liability 26068505.57 26617720.84 23343043.35 21716996.97 17392184.55
13 A{Yeof/KmQ>m àMmbZ go
Surplus/Deficit from operations 242182.26 220033.36 249703.48 180305.19 163426.52
eoAaYmaH$m| H$m ImVm
SHAREHOLDERS' A/C
14 eoAaYmaH$m| Ho$ ImVo Ho$ A§VJ©V Hw$b Am¶
Total income under shareholders'
account 245981.33 224855.96 252886.42 183558.78 166822.38
15 H$a nyd© bm^/hm{Z
Profit/(loss) before tax 245941.56 224836.27 252886.30 183445.90 166822.38
16 H$a Ho$ {bE àmdYmZ
Provisions for tax 1301.02 1662.19 1101.51 1067.53 1154.25
17 H$a níMmV bm^/hm{Z
Profit/loss after tax 244640.54 223174.08 251784.79 182378.37 165668.13
18 VwbZ-nÌ H$mo AJ«o{fV bm^/hm{Z
Profit/loss carried to Balance Sheet
222
222
61 st Annual Report
n[a{eîQ>-I
Annexure I
(` bmIm| ‘|)
(` in Lakhs)
H«$.g§. {ddaU
2017-18 2016-17 2015-16 2014-15 2013-14
Sl.No. Particulars
{d{dY
MISCELLANEOUS
19 (H$) nm°{bgrYmaH$m| H$m ImVm…
(A) Policyholders' account
Hw$b {Z{Y
Total funds 279091639.39 252844588.20 217003453.37 199128955.32 172382745.87
Hw$b {Zdoe
Total Investments 270557972.06 244221448.66 207423355.87 188664051.63 160429671.53
{Zdoe na % àmpßV #
Yield on investments % # 7.71 7.78 8.11 8.22 8.08
(I) eoAaYmaH$m| H$m ImVm…
(B) Shareholders' account:
Hw$b {Z{Y
Total funds 65037.25 60645.28 58294.29 56254.42 53859.53
Hw$b {Zdoe
Total Investments 58579.75 57397.52 51308.57 50620.49 50808.12
*{Zdoe na % àmpßV #
*Yield on investments % # 5.90 6.29 5.85 6.23 6.79
20 *Hw$b {Zdoe na % àmpßV #
*Yield on total investments % # 7.71 7.78 8.11 8.22 8.08
21 àXÎm B³drQ>r ny±Or
Paid up equity capital 10000.00 10000.00 10000.00 10000.00 10000.00
22 ewÜX ‘yë¶
Net worth 65037.25 60645.28 58294.29 56254.42 53859.53
23 Hw$b n[agån{Îm¶m±
Total Assets 284504182.01 257202833.64 221037864.90 203111608.39 176211219.55
24 à{V eoAa AO©Z
Earnings per share N.A N.A. N.A. N.A. N.A.
25 à{V eoAa ~hr ‘yë¶
Book value per share N.A. N.A. N.A. N.A. N.A.
^ {Zdb nyZ©~r‘m
^ Net of reinsurance
@ ewÜX hm{Z
@ Net of losses
* A§V[a‘ ~moZg g[hV, ¶{X hmo Vmo
* Inclusive of interim bonuses, if any
# à{V\ b H$s JUZm Am¡gV {Z{Y na H$s J¶r h¡
# Yield is calculated on Mean Fund
223
AZwnmV
Ratios
n[a{eîQ>-II
Annexure II
H«$.g§. {ddaU
2017-18 2016-17 2015-16 2014-15 2013-14
Sl.No. Particulars
1 Zd ì¶dgm¶ àr‘r¶‘ Am¶ d¥pÕ (à[VeV d¥{Õ)
New Business premium income growth (% increase)
àW‘ dfu¶ àr‘r¶‘
First Year Premium
OrdZ ì¶dgm¶
Life Business 12.37 9.54 2.71 -26.05 -2.55
dm{f©H$s ì¶dgm¶
Annuity Business 0.00 0.00 0.00 0.00 0.00
noÝeZ ì¶dgm¶
Pension Business -36.33 17.61 6.60 -38.80 161.57
EH$b àr‘r¶‘
Single Premium
OrdZ ì¶dgm¶
Life Business 13.06 15.80 -2.39 -9.66 13.30
dm{f©H$s ì¶dgm¶
Annuity Business 9.71 131.26 63.31 0.40 19.78
noÝeZ ì¶dgm¶
Pension Business 4.41 16.98 68.92 -2.90 54.72
2 ewÕ YmaU AZwnmV (%)

Net retention ratio (%)
First Year Premium 99.92 99.93 99.92 99.86 99.90
nadVu àr‘r¶‘
Renewal Premium 99.81 99.85 99.88 99.91 99.92
EH$b àr‘r¶‘
Single Premium 100.00 100.00 100.00 100.00 100.00
Hw$b àr‘r¶‘
Total Premium 99.88 99.90 99.92 99.92 99.94
3 à~ÝYZ ì¶¶ H$m AZwnmV

Ratio of expenses of management 15.21 15.17 14.33 15.65 17.10
4 H$‘reZ AZwnmV
Commission ratio
First Year Premium 29.26 26.98 27.16 27.23 26.51
nadVu àr‘r¶‘
Renewal Premium 5.18 5.19 5.20 5.31 5.48
EH$b àr‘r¶‘
Single Premium 0.49 0.41 0.35 0.48 0.50
Hw$b àr‘r¶‘
Total Premium 5.74 5.53 5.82 6.31 7.07
5 eoAaYmaH$ {Z{Y H$s {dH$mg Xa (% d¥[Õ)

Growth rate of shareholders' funds (% increase) 7.24 4.03 3.63 4.45 4.49
224
224
61 st Annual Report
n[a{eîQ>-II
Annexure II
H«$.g§. {ddaU
2017-18 2016-17 2015-16 2014-15 2013-14
Sl.No. Particulars
6 nm°{bgrYmaH$ Xo¶Vm go A{Yeof H$m AZwnmV(% d¥[Õ)
Ratio of surplus to policy holders' liability (% increase) 1.79 1.78 2.40 1.90 1.98
7 eyÕ ‘yë¶ ‘| n[adV©Z (` bmIm| ‘|)
Change in net worth (Rs. in Lakhs) 4391.97 2350.99 2039.87 2394.89 2312.47
8 Hw$b Am¶ go H$a níMmV bm^
Profit after tax to Total Income 0.005 0.005 0.006 0.004 0.004
9 ZH$X Ed§ {Zdo{eV n[agån{Îm¶m| go (Hw$b O‘rZ Om¶XmX+F$U)
(Total Real Estate+ loans) to cash & invested assets 4.42 4.86 5.76 6.10 6.80
10 (ny±Or + A{Yeof) go Hw$b {Zdoe
Total Investments to (Capital+surplus)
H$) nm°{bgrYmaH$m| H$s {Z{Y go {Zdoe
a) Investments to Policy holders' funds 96.94 96.59 95.59 94.74 93.07
I) eoAaYmaH$m| H$s {Z{Y go {Zdoe
b) Investments to Shareholders' funds 90.07 94.64 88.02 89.98 94.33
11 (ny±Or + A{Yeof) go Hw$b gå~Õ {Zdoe
Total affiliated Investments to (Capital + surplus) 37.89 33.93 38.09 31.82 31.00

F.R.N. / 105049W F.R.N/004283S
g.H«$./M.No.033632 g.H«$./ M.No. 018525
F.R.N./009571N/N500006 F.R.N./000745C
g.H«$./M.No. 088810 g.H«$./M.No. 073124
}
E{bg Or d¡X`Z
F.R.N./302014E F.R.N./000933C ew^m§Jr g§. gmo_U n«_wI ({dÎm Ed§ boIm)
Shubhangi S. Soman Chief (F&A)
g.H«$./ M.No. 157955 g.H«$. M.No. 014854
C‘m‘hoída amd E§S> H§$. Ho$ {bE MVwo©doXr E§S emh Ho$ {bE
For Umamaheswara Rao & Co. For Chaturvedi & Shah
F.R.N./004453S F.R.N./101720W {XZoe n§V {Z¶wº$ ~r‘m§H$H$
Eb. í¶m‘m àgmX (nmQ>©Za) {dO¶ Znmdm{b¶m (nmQ>©Za) Dinesh Pant Appointed Actuary
g.H«$./M.No. 028224 g.H«$./M.No. 109859
225
^maVr¶ OrdZ ~r‘m {ZJ‘ H$s {Z¶§[ÌV {Z{Y Xem©Zo dmbm {ddaU
Statement showing the Controlled Fund of Life Insurance Corporation of India
VwbZ-nÌ Ho$ AZwgma {Z¶§{ÌV {Z{Y H$s g§JUZm (^maV ‘| ì¶dgm¶ Ho$ g§~§Y ‘|)
Computation of Controlled fund as per the Balance Sheet (In respect of Business In India)
(` H$amoS> ‘|)
(` in crore)
2017-18 2016-17
nm°{bgrYmaH$ {ZYr (OrdZ {ZYr)
Policyholders' Fund (Life Fund)
gh^m{JVm - Participating
d¡¶p³VH$ ~r‘m - Individual Assurance 1876677.63 1703741.37
dm{f©H$s ì¶dgm¶ - Annuity Business 1951.22 2188.59
noÝeZ ì¶dgm¶ - Pension Business 25723.10 24631.81
g‘yh ~r‘m - Group Assurance 32586.77 27358.65
J¡a-gh^m{JVm - Non Participating
d¡¶p³VH$ ~r‘m (Bg ‘| OrdZ g§~§Õ - J¡a BH$mB© {ZYr em{‘b h¡ ) 38363.50 35096.40
Individual Assurance (Includes Life, Linked- Non Unit Fund)
dm{f©H$s ì¶dgm¶ - Annuity Business 45913.24 28000.05
ñdmñW ì¶dgm¶ - Health Business 302.30 242.76
g§~§Õ - Linked
d¡¶p³VH$ ~r‘m - Individual Assurance 34443.75 41505.40
d¡¶p³VH$ noÝeZ - Individual Pension 14797.06 17391.39
g‘yh A{Y d{f©Vm - Group Superannuation 0.00 0.00
g‘yh CZXmZ - Group Gratuity 116.34 112.19
ñdmñW ì¶dgm¶ - Health Business 1510.98 1457.72
^mdr {d{Z¶moOZm| Ho$ {bE {Z{Y¶m§ - Funds for Future Appropriations 0.08 0.03
~§X H$mof (¶y{ZQ>) - Discontinued Fund (Unit) 2.72 1.14
OmoS> (H$) / Total (A) 2581668.62 2321197.83
eoAaYmaH$m| H$s {Z{Y - Shareholders'' Fund
àXÎm ny±Or - Paid up Capital 100.00 100.00
Ama{jV Am¡a A{Yeof - Reserves & Surpluses 272.03 262.87
C{MV ‘yë¶ n[adV©Z - Fair Value Change 0.00 0.00
OmoS> (I) / Total (B) 372.03 362.87
~Å>o ImVo ‘| Z S>mbo JE {d{dY ì¶¶ - Misc. expenses not written off 0.00 0.00
bm^ Ed§ hm{Z boIo go H«o${S>Q>/(S>o{~Q>) - Credit / (Debit) from P&L A/c. 0.00 0.00
OmoS> (J) / Total (C ) 0.00 0.00
eoAaYmaH$m| H$s {Z{Y H$m OmoS> (I+J)- Total shareholders' funds (B+C) 372.03 362.87
{Z¶§{ÌV {Z{Y OmoS> (H$ + I + J). - Controlled Fund [Total (A+B-C) ] 2582040.65 2321560.70
226
226
61 st Annual Report
amOñd Am¡a bm^ Ed§ hm{Z boIo go {Z¶§{ÌV {Z{Y H$m g‘mYmZ (^maV ‘| ì¶dgm¶ Ho$ g§~§Y‘|)
Reconciliation of the Controlled Fund from Revenue and Profit & Loss Account
(In respect of Business In India)
(` H$amoS> ‘|)
(` in crore)
2017-18 2016-17
[Z¶§{ÌV {Z{Y H$m AWeof
Opening Balance of Controlled Fund 2321560.70 2055448.64
OmoS>o … A§Vaàdmh
Add: Inflow
Am¶
Income
àr‘r¶‘ Am¶
Premium Income 317892.78 300145.89
KQ>mE§ … A§V[aV nwZ~u‘m
Less: Reinsurance ceded 371.91 290.23
{Zdb àr‘r¶‘
Net Premium 317520.87 299855.65
{Zdoe Am¶*
Investment Income* 204674.73 191698.54
AÝ¶ Am¶
Other Income 801.78 607.98
eoAaYmaH$m| Ho$ boIo go A§V[aV {Z{Y¶m§
Funds transferred from Shareholders' Accounts 0.00 0.00
Hw$b Am¶
Total Income 522997.38 492162.18
KQ>mE§ … ~{hJ©‘Z
Less: Outgo
(i) àXÎm bm^ ([Zdb)
Benefits paid (Net) 196230.99 166385.77
(ii) àXÎm A§V[a‘ ~moZg
Interim Bonus Paid 1553.11 928.05
(iii) Xo¶Vm Ho$ ‘yë¶m§H$Z ‘| n[adV©Z**
Change in Valuation of Liability** 260470.79 266102.92
(iv) H${‘eZ
Commission 18205.35 16570.18
(v) àMmbZ ì¶¶
Operating Expenses 30104.22 28907.61
(vi) H$amYmZ Ho$ {bE àmdYmZ Am¶ H$a
Provision for Taxation I.T. 7415.77 6311.85
(vii) H$amYmZ Ho$ Abmdm AÝ¶ àmdmYmZ ***
Provision other than Taxation *** 6404.44 4568.17
(vii) AÝ¶***
Others*** 193.77 190.00
Hw$b ~{hJ©‘Z
Total Outgo 520578.44 489964.55
227
(` H$amoS> ‘|)
(` in crore)
2017-18 2016-17
nm°{bgrYmaH$m| H$s {ZYr H$m A{Yeof
Surplus of the Policyholders' Fund 2418.94 2197.62
KQ>mE§ … eoAaYmaH$m| Ho$ ImVoo ‘|o A§V[aV
Less: transferred to Shareholders' Account 2418.94 2197.62
nm°{bgrYmaH$m| Ho$ ImV| ‘| {Zdb àdmh
Net Flow in Policyholders' account 0.00 (0.00)
OmoS>o … eoAaYmaH$m| H$s {ZYr ‘| {Zdb Am¶/(ì¶¶)
Add: Net income/(expense) in Shareholders' Fund 9.16 9.14
{Zdb A§V©dmh / ~{hdm©h
Net In Flow / Outflow 9.16 9.14
OmoS>o … ‘yë¶m§H$Z Xo¶VmAm| ‘| n[adV©Z **
Add: change in valuation Liabilities** 260470.79 266102.92
OmoS>o … àXÎm n±yOr ‘| d¥{Õ
Add: Increase in Paid up Capital 0.00 0.00
{Z¶§{ÌV {Z{Y H$m A§V eof
Closing Balance of Controlled Fund 2582040.65 2321560.70
VwbZ-nÌ Ho$ AZwgma 2582040.65 2321560.70
As Per Balance Sheet
A§Va, ¶{X H$moB© h¡
Difference, if any 0.00 0.00
* {Zdoe Am¶ ‘| g§~§Y ì¶dgm¶ H$s B©H$mB© {Z{Y Ho$ C{MV ‘yë¶ ‘| n[adV©Z/nwZ‘y©ë¶m§H$Z na hþAm A§VaU/bm^ em{‘b h¡
* Investment Income includes transfer/gain on revaluation/change in fair value of unit fund of Linked business
** Xo¶VmAm| Ho$ ‘yë¶m§H$Z ‘| hþE n[adV©Z o‘§ ^mdr {d{Z¶moOZm| Ho$ {bE {Z{Y¶m| Am¡a g§~§Õ Xo¶Vm¶m| Ho$ {bE àmdYmZ ‘| hþAm A§VaU em{‘b h¡
** Change in valuation of liabilities includes transfer to provision for Linked Liabilities , Funds for Future Appropriations and Discontinued
fund
*** H$amYmZ Ho$ Abmdm àmdYmZ Am¡a AÝ¶ H$mo AbJ n§p³V dmbr ‘Xm| Ho$ ê$n ‘| em{‘b H$a {b¶m J¶m h¡ AÝ¶ ‘| AÝ¶ ì¶¶ Ed§ {Z{Y à~§YZ à^ma na godm H$a Ed§ g§~§YrV
ì¶dgm¶ Ho$ AÝ¶ à^ma em{‘b h¡
*** Provision other than taxation” and “Others “ have been included as separate row items. “Others” include Other Expenses and
Service Tax on Fund Management Charges & Other Charges of Linked Business
228
228
61 st Annual Report
eo¶aYmaH$m| Am¡a nm°{bgrYmaH$mo Ho$ {Z{Y H$m g‘mYmZ (^maV ‘| ì¶dgm¶ Ho$ g§~§Y‘|)
Reconciliation with Shareholders’ and Policyholders’ Fund (In respect of Business In India)
(` H$amoS> ‘|)
(` in crore)
2017-18 2016-17
nm°{bgrYmaH$m| H$s {ZYr¶m±
Policyholders' Funds
nm°{bgrYmaH$m| H$s {ZYr¶m± - na§namJV gh^mJr Am¡a J¡a-gh^mJr
Policyholders' Funds - Traditional-PAR and NON-PAR
nm°{bgrYmaH$m| H$m {ZYr H$m Adeof
Opening Balance of the Policyholders' Fund 2260729.99 1996155.14
OmoS>o … amOñd ImVo H$m Adeof
Add: Surplus of the Revenue Account
OmoS>o … ‘yë¶m§H$Z Xo¶VmAm| ‘| n[adV©Z
Add: Change in valuation Liabilities 270067.77 264574.85
OmoS> Total 2530797.76 2260729.99
VwbZm nÌ Ho$ AZwgma
As per Balance Sheet 2530797.76 2260729.99
nm°{bgrYmaH$m| H$s {ZYr¶m±
Policyholders' Funds - Linked
nm°{bgrYmaH$m| H$m {ZYr H$m AWeof
Opening Balance of the Policyholders' Fund 60467.84 58939.77
OmoS>o … amOñd ImVo H$m A{Yeof
Add: Surplus of the Revenue Account
OmoS>o … ‘yë¶m§H$Z Xo¶VmAm| ‘| n[adV©Z
Add: Change in valuation Liabilities (9596.99) 1528.07
OmoS> Total 50870.85 60467.84
VwbZ-nÌ Ho$ AZwgma*
As per Balance Sheet* 50870.85 60467.84
eo¶aYmaH$m| H$s {ZYr¶m±
Shareholders'' Funds
eo¶aYmaH$m| H$m {ZYr H$m AWeof
Opening Balance of Shareholders' Fund 362.87 353.73
OmoS>o … eo¶aYmaH$m| H$r {ZYr ‘| {Zdb Am¶/(ì¶¶)
Add: Net income/(expense) in Shareholders' Fund 9.16 9.14
OmoS>o … {Z{Y H$m A§Vdm©h
Add: Infusion of Capital 0.00 0.00
eo¶aYmaH$m| H$m {ZYr H$m A§Veof
Closing Balance of the Shareholders'' fund 372.03 362.87
VwbZ-nÌ Ho$ AZwgma
As per Balance Sheet 372.03 362.87
* ~§X H$aZo H$mof (¶y{ZQ>) em{‘b
* Includes Discontinued Fund (Unit)
229
~r‘mH$Vm© H$m Zm‘ … ^maVr¶ OrdZ ~r‘m {ZJ‘ Name of the Insurer: Life Insurance Corporation of India
n§OrH$aU H$s g§»¶m 512 VWm VmarI … 01.01.2001 Registration No. 512 Dated: 01.01.2001
àm{á Ed§ ^wJVmZ boIm

RECEIPTS AND PAYMENTS ACCOUNT
31 ‘mM©, 2018 H$mo Hw$b ì¶dgm¶ go g§~§{YV ZH$X àdmh {ddaU
CASH FLOW STATEMENT AS AT 31ST MARCH, 2018 IN RESPECT OF TOTAL BUSINESS
(` bmIm| ‘|)
(` in LAKHS)
{ddaU Hw$b Mmby df© Hw$b {nN>bo df©

PARTICULARS CURRENT YEAR PREVIOUS YEAR
n[aMmbZ J{V{d{Y¶m| go ZH$X àdmh
CASH FLOW FROM OPERATING ACTIVITES
A§V©dmh
INFLOW
1 àr‘r¶‘ Am¶ (ewÕ)
PREMIUM INCOME ( NET ) 31773185.44 30024380.06
2 AÝ¶ Am¶ àr‘r¶‘ O‘m ‘| d¥[Õ/H$‘r
OTHER INCOME & INCREASE / (DECREASE) IN PREMIUM DEPOSITS 182633.16 35109.51
A) Hw$b A§V©dmh (H$)

TOTAL INFLOW (A) 31955818.60 30059489.57
~{hdm©h
OUTFLOW
3 àMmbZ ì¶¶ Ed§ H$‘reZ
OPERATING EXPENSE & COMMISSION (4397076.44) (4008755.14)
4 AXm {H$¶m J¶m bm^
BENEFITS PAID (19259348.00) (16773032.51)
5 AÝ¶ A{J«‘ VWm O‘mAm| ‘| d¥[Õ/H$‘r
INCREASE/DECREASE IN ADVANCES/DEPOSITS (41219.35) (776520.64)
B) Hw$b ~{hdm©h (I)
TOTAL OUTFLOW (B) (23697643.79) (21558308.29)
n[aMmbZm| go {Z{‘©V ZH$Xr (H$) - (I)
CASH GENERATED FROM OPERATIONS (A) - (B) 8258174.81 8501181.28
6 KQ>mE§ … AXm {H$E JE H$a
LESS: TAXES PAID (1309594.35) (1352718.03)
7 nm°{bgrYmaH$m| H$mo AXm {H$¶m ~moZg
BONUS PAID TO POLICYHOLDERS (155479.18) (92949.51)
n[aMmbZ J{V{d{Y¶m| go {Z{‘©V ewÕ ZH$Xr
NET CASH GENERATED FROM OPERATING ACTIVITIES 6793101.28 7055513.74
{Zdoe J{V{d{Y¶m| go ZH$X àdmh
CASH FLOW FROM INVESTING ACTIVITIES
8 AMb n[agån{Îm¶m| H$s IarX ({~H«$s go ewÕ)
PURCHASE OF FIXED ASSETS (NET OF SALES) (30431.02) 33336.05
9 {Zdoem| H$s IarX ({~H«$s go ewÕ)
PURCHASE OF INVESTMENTS ( NET OF SALES/ FVC ) (25222294.48) (23813673.07)
10 ã¶mO Ed§ bm^m§e Am¶
INTEREST & DIVIDEND INCOME 17691737.16 15955447.65
{Zdoe J{V{d{Y¶m| ‘| à¶wº$ ewÕ ZH$Xr
NET CASH UTILISED IN INVESTING ACTIVITIES (7560988.34) (7824889.37)
230
230
61 st Annual Report
{ddaU Hw$b Mmby df© Hw$b {nN>bo df©

PARTICULARS CURRENT YEAR PREVIOUS YEAR
{dÎmr¶ J{V{d{Y¶m| go ZH$X àdmh
CASH FLOW FROM FINANCING ACTIVITIES
11 ^maV gaH$ma Ûmam àXÎm e§¶a ny±Or
EQUITY CAPITAL PROVIDED BY GOVERNMENT OF INDIA 0.00 0.00
12 eo¶aYmaH$m| H$mo bm^m§e {dVaU
DIVIDEND PAID TO SHAREHOLDERS (236973.37) (249703.48)
{Zdoe J{V{d{Y¶m| ‘| à¶wº$ ewÕ ZH$Xr
NET CASH UTILISED IN FINANCING ACTIVITIES (236973.37) (249703.48)
ZH$X Ed§ ZH$X Vwë¶ ‘| ewÕ d¥[Õ
NET INCREASE IN CASH & CASH EQUIVALENTS (1004860.43) (1019079.11)
df© Ho$ Ama§^ ‘| ZH$X Ed§ ZH$X Vwë¶
CASH & CASH EQUIVALENTS AT THE BEGINNING OF THE YEAR 3274216.45 4293295.56
df© Ho$ A§V ‘| ZH$X Ed§ ZH$X Vwë¶
CASH & CASH EQUIVALENTS AT THE END OF THE YEAR 2269356.02 3274216.45
** ~{hdm©h H$moð>H$ () ‘| {M{hV {H$E JE h¡
** Outflows are marked in brackets ( )
As per our report of even date AZwgy{M¶m± 1 go 15 H$ VH$ Ho$ {bE hñVmja
F.R.N. / 105049W F.R.N/004283S
g.H«$./M.No.033632 g.H«$./ M.No. 018525
F.R.N./009571N/N500006 F.R.N./000745C
g.H«$./M.No. 088810 g.H«$./M.No. 073124
Amo nr Q>moQ>bm E§S> H§$ Ho$ {bE
For O P Totla & Co.
F.R.N./000734C
Eg. Ama. Q>moQ>bm (nmQ>©Za)
S.R. Totla (Partner)
g.H«$./ M.No. 071774
E‘Ho$nrEg E§S> Agmo{gEQ²>g Ho$ {bE
dr. qgKr E§S> Agmo{gEQ²>g Ho$ {bE
For V. Singhi & Associates
F.R.N./311017E
A{ZéÕm goZJwám (nmQ>©Za)
Aniruddha Sengupta (Partner)
g.H«$. M.No.051371
~r Jwám E§S> H§$ Ho$ {bE
ho_§V ämmJ©d
Hemant Bhargava
E{bg Or d¡X`Z
Alice G. Vaidayan
} {ZJ‘ Ho$ gXñ¶
Members of the Corporation

g.H«$./ M.No. 157955 g.H«$. M.No. 014854
g.H«$./M.No. 028224 g.H«$./M.No. 109859

231
\ m‘© ~r-~rEg FORM B- BS

31 ‘mM©, 2018 VH$ ny±Or ‘moMZ ({ZYm©[aV dm{f©H$s g{hV) ì¶dgm¶ (J¡a gh^mJr) go g§~§{YV VwbZ nÌ
BALANCE SHEET AS AT 31st March, 2018
Capital Redemption (Including Annuity Certain) Business (Non Participating)
(` bmIm| ‘|)
(` in lakhs)
{ddaU AZwgy{M Hw$b Mmby df© Hw$b {nN>bo df©
Particulars Schedule CURRENT YEAR PREVIOUS YEAR
{Z{Y¶m| H$m òmoV - SOURCES OF FUNDS
SHARE CAPITAL eoAa ny±Or 5 0.00 0.00
nm°{bgr Xm{¶Ëd
POLICY LIABILITIES 17909.48 21517.68
AmajU Ed§ A{Yeof
RESERVES AND SURPLUS 6 35.56 35.56
ghr ‘yë¶ n[adV©Z boIm
FAIR VALUE CHANGE ACCOUNT 0.00 0.00
CYmar
BORROWINGS 7
^mdr {d{Z¶moOZm Ho$ {bE {ZYr
FUNDS FOR FUTURE APPROPRIATION
Hw$b TOTAL 17945.04 21553.24
{Z{Y¶m| H$m à¶moJ
APPLICATION OF FUNDS
{Zdoe
INVESTMENTS 8 20810.79 22171.47
F$U
LOANS 9 0.00 0.00
AMb n[agån{Îm¶m±
FIXED ASSETS 10 0.00 0.00
Mmby n[agån{Îm¶m±
CURRENT ASSETS
amoH$S> Ed§ ~¢H$ ‘| eof
Cash and Bank Balances 11 17.00 1434.00
A{J«‘ Ed§ AÝ¶ n[agån{Îm¶m±
Advances and Other Assets 12 493.55 517.03
Cn-Hw$b (H$)
Sub-Total (A) 510.55 1951.03
Mmby Xm{¶Ëd
CURRENT LIABILITIES 13 2377.52 1779.15
àmdYmZ
PROVISIONS 14 998.78 790.11
Cn-Hw$b (I)
Sub-Total (B) 3376.30 2569.26
ewÕ Mmby n[agån{Îm¶m± (J)= (H$-I)
NET CURRENT ASSETS (C) = (A - B) (2865.75) (618.23)
232
232
61 st Annual Report
(` bmIm| ‘|)
(` in lakhs)
{d{dY ì¶¶
(Omo ~Å>o ImVo ‘| Z S>mbo JE hmo ¶m g‘m¶mo{OV Z hþE hm|)
MISCELLANEOUS EXPENDITURE
(to the extent not written off or adjusted) 15 0.00 0.00
bm^ hm{Z boIm ‘| Zm‘| eof (eo¶aYmaH$m| H$m boIm)
DEBIT BALANCE IN PROFIT & LOSS
ACCOUNT (Shareholders' Account) 0.00 0.00
Hw$b - TOTAL 17945.04 21553.24

F.R.N. / 105049W F.R.N/004283S
g.H«$./M.No.033632 g.H«$./ M.No. 018525
EEgE E§S> Agmo{g¶Q²>g EbEbnr Ho$ {bE Eg Ho$ H$nya E§S H§$ Ho$ {bE ~r doUwJmonmb à~§Y {ZXoeH$
F.R.N./009571N/N500006 F.R.N./000745C
g.H«$./M.No. 088810 g.H«$./M.No. 073124
}
E{bg Or d¡X`Z
g.H«$./ M.No. 157955 g.H«$. M.No. 014854
g.H«$./M.No. 028224 g.H«$./M.No. 109859

233
\ m‘© ~r-AmaE FORM B- RA

31 ‘mM©, 2018 VH$ ny±Or ‘moMZ ({ZYm©[aV dm{f©H$s g{hV) ì¶dgm¶ (J¡a gh^mJr) go g§~§{YV amOñd boIm
REVENUE ACCOUNT FOR THE YEAR ENDED 31st March, 2018
(` bmIm| ‘|)
(` in lakhs)
1. A{O©X (ewÕ) àr‘r¶‘
Premiums earned (Net) 1 318.53 423.87
2. H$. {Zdoem| H$s {~H«$s / ‘moMZ go bm^
A. Profit on sale/redemption of investments 0.00 0.00
I. {Zdoem| H$s {~H«$s / ‘moMZ go hm{Z
B. Loss on sale /redemption of investments (84.34) (25.56)
3. AÝ¶
Others
ã¶mO (\w Q>H$a) àmá
Interest (Sundry) received 0.00 0.00
ã¶mO Ed§ àr{‘¶‘
Interest on premium 2.63 1.91
4. ã¶mO Ed§ bm^m§e - Hw$b
Interest & Dividends - Gross 2025.05 1881.30
Hw$b (H$) TOTAL (A) 2261.87 2281.52
1. àXÎm Xmdo (ewÕ)
Claims incurred (Net) 2 4476.99 625.12
2. H$‘reZ
Commission 3 3.28 5.51
3. ~r‘m ì¶dgm¶ go g§~§{YV n[aMmbZ IM©
Operating Expenses related to Insurance Business 4 109.33 111.41
4. AÝ¶ - Others
g§{X½Y VWm AemoÜ¶ F$Um| Ho$ {bE àmdYmZ
Provision for Bad & Doubtful Debts 0.00 0.00
H$amYmZ Ho$ {bE àmdYmZ
Provision for Taxation 443.15 337.37
nm°brgr Xm{¶Ëd ‘| n[adV©Z
Change in Policy Liabilities (3608.20) 564.64
nwZam§H$sV H$amYmZ Ho$ {bE àmdYmZ
Provision for taxation written back 0.00 0.00
{Zdoe Ho$ H$m‘r Ho$ {bE àmdYmZ
provision for diminution in investment 0.00 0.00
Hw$b (I) TOTAL (B) 1424.55 1644.05
ny±Or ‘moMZ ({ZYm©[aV dm{f©H$s g{hV) ì¶dgm¶ go
n[aMmbZ bm^/(hm{Z) (H$)-(I)
Operating Profit/(Loss) from Capital Redemption
(including Annuity Certain ) Business (A) - (B) 837.32 637.47
234
234
61 st Annual Report
(` bmIm| ‘|)
(` in lakhs)
{d{Z¶moOZ Appropriations
eo¶aYmaH$m| Ho$ ImVo ‘| A§VaU
Transfer to shareholders' Account 837.32 637.47
AmnmVH$m{bZ Ama{jV {Z{Y¶m| ‘| A§VaU
Transfer to Catastrophe Reserve 0.00 0.00
AÝ¶ Ama{jV {Z{Y¶m| ‘| A§VaU
Transfer to Other Reserves (to be specified) 0.00 0.00
Hw$b (J) TOTAL (C) 837.32 637.47

F.R.N. / 105049W F.R.N/004283S
g.H«$./M.No.033632 g.H«$./ M.No. 018525
F.R.N./009571N/N500006 F.R.N./000745C
g.H«$./M.No. 088810 g.H«$./M.No. 073124
}
E{bg Or d¡X`Z
g.H«$./ M.No. 157955 g.H«$. M.No. 014854
g.H«$./M.No. 028224 g.H«$./M.No. 109859

235
\ m‘© ~r-nrEb FORM B- PL

31 ‘mM©, 2018 H$mo g‘má df© Ho$ {b¶o ny±Or ‘moMZ ({ZYm©[aV dm{f©H$s g{hV) ì¶dgm¶ (J¡a gh^mJr) H$m bm^ hm{Z boIm
PROFIT & LOSS ACCOUNT FOR THE YEAR ENDED 31st March, 2018
(` bmIm| ‘|)
(` in lakhs)
1. n[aMmbZ bm^/(hm{Z)
Operating Profit/(Loss)
(H$) A{¾ ~r‘m
(a) Fire Insurance 0.00 0.00
(I) g‘w{Ð¶ ~r‘m
(b) Marine Insurance 0.00 0.00
(J) {d{dY ~r‘m (ny±Or ‘moMZ({ZYm©[aV dm{f©H$s g{hV)
ì¶dgm¶ df© Ho$ {bE bm^ / hm{Z
(c) Miscellaneous Insurance(Capital Redemption 837.32 637.47
(including Annuity Certain) Business)
Profit / Loss for the year
2. {Zdoe go Am¶ Income from Investments
(H$) ã¶mO Ed§ bm^m§e - Hw$b
(a) Interest,Dividends & Rent-Gross 0.00 0.00
(I) {Zdoe {~H«$s / ‘moMZ na bm^
(b) Profit on sale/redemption of Investment 0.00 0.00
KQ>mE§ … {Zdoe {~H«$s na hm{Z
Less:Loss on sale of Investments 0.00 0.00
3. AÝ¶ Am¶ Other Income 0.00 0.00
Hw$b (H$) TOTAL (A) 837.32 637.47
4. àmdYmZ (H$amYmZ Ho$ A{V[aº$)/Provisions (Other than taxation)
(H$) {Zdoe Ho$ ‘yë¶ ‘| (ewÕ) H$‘r Ho$ {bE
(a) For diminution in the value of investments (Net) 0.00 0.00
(I) g§{X½Y F$Um| Ho$ {bE
(b) For doubtful debts 0.00 0.00
(J) AÝ¶
(c) Others 0.00 0.00
5. AÝ¶ ì¶¶ - Other expenses
(H$) ~r‘m ì¶dgm¶ Ho$ grYo g§~§{YV IMm} Ho$ A{V[aº$ AÝ¶ IM©
(a) Expenses other than those related to Insurance Business 0.00 0.00
(I) ~Å>o ImVo ‘| S>mbo J¶o Sy>~o F$U
(b) Bad debts written off 0.00 0.00
(J) AÝ¶
(c)Others 0.00 0.00
Hw$b (I) TOTAL (B) 0.00 0.00
H$a nyd© bm^ Profit before tax 0.00 0.00
H$amYmZ Ho$ {bE àmdYmZ Provision for Taxation 0.00 0.00
H$a ~mX bm^ Profit after tax 837.32 637.47
236
236
61 st Annual Report
(` bmIm| ‘|)
(` in lakhs)
{d{Z¶moOZ - APPROPRIATIONS
(H$) df© Ho$ Xm¡amZ àXÎm AÝV[a‘ bm^m§e
(a) Interium Dividends paid during the year 0.00 0.00
(I) àñVm{dV A§{V‘ bm^m§e
(b) Proposed final dividend 0.00 0.00
(J) bm^m§e Am§~Q>Z na H$a
(c) Dividend distribution tax 0.00 0.00
(K) AmajU / AÝ¶ boIm H$mo A§VaU
(d) Transfer to any reserves /other accounts 0.00 0.00
{nN>bo df© Ho$ AJ«o{fV bm^ / hm{Z
Balance of profit/loss brought forward
from last year 0.00 0.00
VwbZ nÌ H$mo AJ«o{fV bm^ / hm{Z*
Profit/Loss carried forward to the Balance Sheet* 837.32 637.47
* nm°{bgr Xm{¶Ëd ‘| g‘m¶mo{OV
*Adjusted in Policy Liability
F.R.N. / 105049W F.R.N/004283S
g.H«$./M.No.033632 g.H«$./ M.No. 018525
F.R.N./009571N/N500006 F.R.N./000745C
g.H«$./M.No. 088810 g.H«$./M.No. 073124
}
E{bg Or d¡X`Z
g.H«$./ M.No. 157955 g.H«$. M.No. 014854
g.H«$./M.No. 028224 g.H«$./M.No. 109859
237
({ZYm©{aV dm{f©H$r g{hV) ì`dgm` (J¡a gh^mJr) ny±Or _moMZ Capital Redemption (including Annuity Certain) Business ( Non Participating)
g_mßV df© 31.03.2018 Ho$ {bE for the year ended 31.03.2018
AZwgyMr - 1 àr‘r¶‘ A{O©V ({Zdb)

SCHEDULE - 1 PREMIUM EARNED (NET)
(` bmIm| ‘|)
(` in lakhs)
Particulars CURRENT YEAR PREVIOUS YEAR
1 àË¶j àr‘r¶‘ {b{IV ì¶mnma go
Premium from direct business written 318.53 423.87
OmoS>o … nwZ~u‘m na àr‘r¶‘ ñdrH$ma {H$E OmVo h¡
Add:Premium on reinsurance accepted 0.00 0.00
KQ>mE§ … nwZ~u‘m na àr‘r¶‘ A§V[aV
Less:Premium on reinsurance ceded 0.00 0.00
{Zdb àr‘r¶‘ - Net Premium 318.53 423.87
Hw$b àr‘r¶‘ A{O©V ({Zdb)-
Total Premium Earned (Net) 318.53 423.87
àr‘r¶‘ Am¶ {b{IV ì¶dgm¶ go
Premium Income from business effected
1 ^maV ‘|
In India 318.53 423.87
2 ^maV Ho$ ~mha
Outside India 0.00 0.00
Hw$b àr‘r¶‘ ({Zdb)-
Total Premium (Net) 318.53 423.87
AZwgyMr - 2 Xmdm IM© ({Zdb)

SCHEDULE -2 Claims incurred (Net)
(` bmIm| ‘|)
(` in lakhs)
Xmdo H$m ^wJVmZ - Claims Paid
grYm - Direct
‘¥Ë¶w - Death 9.50 8.00
n[an¹$Vm - Maturity 4349.57 506.14
dmfuH$s - Annuity 103.38 103.69
Aä¶n©U - Surrender 14.54 7.29
OmoS>o … ñdrH¥$V nwZ~u‘m
Add:Reinsurance accepted 0.00 0.00
KQ>mE§ … nwZ~u‘m A§V[aV
Less:Reinsurance Ceded 0.00 0.00
{Zdb Xmdo H$m ^wJVmZ - Net Claims paid 4476.99 625.12
Hw$b Xmdo IM© - Total Claims Incurred 4476.99 625.12
XmdoXmaH$m| H$mo ^wJVmZ {H$E JE Xmdo - Claims paid to claimants:
^maV ‘| - In India 4476.99 625.12
^maV Ho$ ~mha - Outside India 0.00 0.00
Hw$b Xmdo IM©- Total Claims Incurred 4476.99 625.12
238
238
61 st Annual Report
AZwgyMr - 3 H$‘reZ
SCHEDULE -3 COMMISSION
(` bmIm| ‘|)
(` in lakhs)
àXÎm H$‘reZ - Commission paid
grYm - Direct 3.28 5.51
OmoS>o … ñdrH¥$V nwZ~u‘m na H$‘reZ
Add : Commission on Re-insurance Accepted 0.00 0.00
KQ>mE§ … A§V[aV nwZ~u‘m na H$‘reZ
Less: Commission on Re-insurance Ceded 0.00 0.00
{Zdb H$‘reZ
Net Commission 3.28 5.51
AZwgyMr - 4 ~r‘m ì¶dgm¶ go g§~§{YV n[aMmbZ ì¶¶

SCHEDULE -4 OPERATING EXPENSES RELATED TO INSURANCE BUSINESS
(` bmIm| ‘|)
(` in lakhs)
1 H$‘©Mm[a¶m| H$m n[al{‘H$ VWm H$ë¶mU bm^
Employees'remuneration & welfare benefits 84.97 86.72
2 ¶mÌm, gdmar Ed§ dmhZ MmbZ ì¶¶
Travel,conveyance and vehicle running expenses 1.55 1.58
3 à{ejU ì¶¶ - Training expenses 0.00 0.00
4 {H$am¶m§, Xa| Ed§ H$a - Rents,rates & Taxes 2.65 2.70
5 ‘aå‘V - Repairs 0.91 0.93
6 ‘wÐU Ed§ boIm gm‘J«r - Printing & stationery 1.04 1.06
7 g§gma ì¶¶ - Communication 2.66 2.71
8 {d{dY Ed§ ì¶mdgm{¶H$ à^ma
Legal & professional charges 0.06 0.06
9 boIm n[ajH$ ewëH$, ì¶¶ Am{X
Auditors' fees,expenses etc
(H$) boIm n[ajH$ Ho$ ê$n ‘|
(a) as auditor 0.23 0.10
(I) gbmhH$ma Ho$ ê$n ‘| ¶m {ZåZ g§~§Y ‘| {H$gr ^r j‘Vm ‘|
(b) as adviser or in any other capacity,in respect of
(i) H$amYmZ ‘m‘b| - Taxation Matters 0.00 0.00
(ii) ~r‘m ‘m‘bo - Insurance matters 0.00 0.00
(iii) à§dYZ godm§E, VWm - Management services; and 0.00 0.00
(J) {H$gr ^r AÝ¶ j‘Vm ‘|
(c) in any other capacity 0.00 0.00
10 {dkmnZ Ed§ àMma
Advertisement and publicity 0.00 0.00
11 ã¶mO Ed§ ~¢H$ à^ma
Interest & bank Charges 0.77 0.78
12 {d{dY ì¶¶ - Miscellaneous Expenses 12.58 12.83
{M{H$Ëgm ewëH$ - Medical Fees 0.00 0.00
~r‘m ñQ>±n/agrX ñQ>±n - Policy Stamps/Receipt Stamps 0.07 0.07
{~Obr ewëH$ -Electricity Charges 1.84 1.87
239
AZwgyMr - 4 Omar ~r‘m ì¶dgm¶ go g§~§{YV n[aMmbZ ì¶¶

SCHEDULE -4 (Contd.) OPERATING EXPENSES RELATED TO INSURANCE BUSINESS
(` bmIm| ‘|)
(` in lakhs)
ZdrH$aU Am¡a ì¶mnma bmBg|g Ho$ n§OrH$aU Ho$ {bE ewëH$
Fees for renewal and registration of trade licences 0.00 0.00
{Zdoe H$s g§n{Îm na ì¶¶ - Expenses on Investment Property 0.00 0.00
13 ‘yë¶èhmg - Depreciation 0.00 0.00
Hw$b - TOTAL 109.33 111.41
AZwgyMr - 6 Ama{jV {Z{Y Ed§ A{Yeof

SCHEDULE 6 RESERVES AND SURPLUS
(` bmIm| ‘|)
(` in lakhs)
Capital Reserve 0.00 0.00
Capital Redemption Reserve 0.00 0.00
3 eo¶a àr[‘¶‘
Share Premium 0.00 0.00
General Reserves
àma§{^H$ eof
Additions during the year 0.00 0.00
BVa eof
Closing balance 35.56 35.56
KQ>mE§ … bm^-hm{Z boIo ‘| Zm‘| A{Yeof
Less:Debit Balance in Profit & Loss 0.00 0.00
Account 0.00 0.00
KQ>mE§ … nwZ©IhaX Ho$ {bE à¶wº$ am{e
Less: Amount utilised for Buy-back 0.00 0.00
5 AmnmVH$m{bZ Ama{jV {Z{Y
Catastrophe Reserve 0.00 0.00
6 AÝ¶ Ama{jV {Z{Y
Other Reserves 0.00 0.00
7 bm^-hm{Z boIo ‘| eof bm^
Balance of profit in Profit and Loss Account 0.00 0.00
0.00 0.00
Hw$b / Total 35.56 35.56
240
240
61 st Annual Report
AZwgyMr - 8 {Zdoe
SCHEDULE - 8 INVESTMENTS
(` bmIm| ‘|)
(` in lakhs)
XrKm©d[Y {Zdoe
1 IOmZo H$s {~bm| ghrV gaH$mar à{V^y{V¶m± VWm Jma§{Q>V ~ÝY-nÌ
Government securities and Government guaranteed bonds including Treasury Bills 7338.57 8699.25
Other Approved Securities 0.00 0.00
3 AÝ¶ {Zdoe
Other Investments
(H$) eo¶a
(a) Shares 0.00 0.00
(H$H$) Bp³dQr>
(aa) Equity 0.00 0.00
KQ>mE§ … J¡a-gyMr~Õ eo¶am| ‘| H$‘r Ho$ {bE àmdYmZ
Less: Provision for diminution in unlisted shares 0.00 0.00
(II) A{Y‘mZr
(bb) Preference
(I) gh¶moJr {Z{Y
(b) Mutual Funds 0.00 0.00
(J) ì¶wËnÞ ànÌ
(c) Derivative Instruments 0.00 0.00
(K) F$U-nÌ/~§Y-nÌ
(d) Debentures/Bonds 5026.33 5026.33
KQ>mE§ … g§{X½Y {Zdoe Ho$ {bE àmdYmZ
Less:Provision for doubtful Investments 0.00 0.00
(B) AÝ¶ à{V^y{V¶m± (gr~rEbAmo)
(e) Other Securities(CBLO) 0.00 0.00
(M) ghm¶H$
(f) Subsidiaries 0.00 0.00
(N>) {Zdoe g§n{Îm¶m±-g§nXm
(g) Investment Properties - Real Estate 0.00 0.00
Investments in Infrastructure and Social Sector 8500.00 8500.00
Less:Provision for doubtful Investments -54.11 -54.11
5 AZw‘mo{XV {Zdoem| Ho A{V[a³V AÝ¶ {Zdoe
Other than Approved Investments 19.57 19.57
Less:Provision for doubtful Investments -19.57 -19.57
241
AZwgyMr - 8 Omar {Zdoe

SCHEDULE - 8 (Contd.) INVESTMENTS
(` bmIm| ‘|)
(` in lakhs)
Aënmd{Y {Zdoe
1 IOmZo H$s {~bm| ghrV gaH$mar à{V^y{V¶m± VWm Jma§{Q>V ~ÝY-nÌ
Government securities and Government guaranteed bonds including Treasury Bills 0.00 0.00
Other Approved Securities 0.00 0.00
3 AÝ¶ {Zdoe
Other Investments
(H$) eo¶a
(a) Shares 0.00 0.00
(H$H$) Bp³dQr>
(aa) Equity 0.00 0.00
(II) A{Y‘mZr
(bb) Preference 0.00 0.00
(I) gh¶moJr {Z{Y
(b) Mutual Funds 0.00 0.00
(J) ì¶wËnÞ ànÌ
(c) Derivative Instruments 0.00 0.00
(K) F$U-nÌ/~§Y-nÌ
(d) Debentures/Bonds 0.00 0.00
(B) AÝ¶ à{V^y{V¶m± (gr~rEbAmo)
(e) Other Securities 0.00 0.00
(M) ghm¶H$
(f) Subsidiaries 0.00 0.00
(N>) {Zdoe g§n{Îm¶m±-g§nXm
(g) Investment Properties - Real Estate 0.00 0.00
Investments in Infrastructure and Social Sector 0.00 0.00
KQ>mE§ … àmdYmZ - Less Provisions 0.00 0.00
5 AZ_mo{XV {Zdoemo§ Ho$ A{V{aŠV AÝ` {Zdoe
Other than Approved Investments 0.00 0.00
KQ>mE§ … àmdYmZ - Less: Provisions 0.00 0.00
Hw$b TOTAL 20810.79 22171.47
{Zdoe - INVESTMENTS
1 ^maV ‘| - In India 20810.79 22171.47
2 ^maV Ho$ ~mha Outside India 0.00 0.00
Hw$b TOTAL 20810.79 22171.47
242
242
61 st Annual Report
AZwgyMr - 11 amoH$S> Ed§ ~¢H$ ‘| A{Veof

SCHEDULE - 11 CASH AND BANK BALANCES
(` bmIm| ‘|)
(` in lakhs)
1 ZH$X (MoH$, S´>m\Q> Ed§ ñQ>±n g{hV)
Cash (including cheques, drafts and stamps) 0.00 0.00
2 ~¢oH$ O‘m
Bank Balances 0.00 0.00
(H$) O‘m ImVm
(a) Deposit Accounts 0.00 0.00
(H$H$) AënmdYr (VwbZ-nÌ H$s Vm[aI go 12 ‘hrZm| Ho$ ^rVa Xo¶)
(aa) Short-term (due within 12 months) 0.00 0.00
(II) AÝ¶
(bb) Others 0.00 0.00
(I) Mmby ImVm
(b) Current Accounts 0.00 0.00
(I) AÝ¶
(c) Others 0.00 0.00
3 ‘m§JZo na Am¡a Aën gyMZm na YZ
Money at Call and Short Notice 0.00 0.00
(H$) ~¢H$ ‘|
(a) With Banks 0.00 0.00
(I) AÝ¶ g§ñWmZm| ‘|
(b) With other Institutions 0.00 0.00
(J) gr.~r.Eb.Amo
(c) CBLO 17.00 1434.00
4 AÝ¶
Others 0.00 0.00
Hw$b
TOTAL 17.00 1434.00
J¡a AZwgy{MV ~¢H$mo H$s eof Cnamoº$ 2 VWm 3 ‘| gpå‘{bV h¡

Balances with non-scheduled banks included in 2 and 3 above.
amoH$S> Ed§ ~¢H$ ‘| A{Veof
CASH & BANK BALANCES
1 ^maV ‘| - In India 17.00 1434.00
2 ^maV Ho$ ~mha Outside India 0.00 0.00
Hw$b TOTAL 17.00 1434.00
243
AZwgyMr - 12 A{J«‘ Ed§ AÝ¶ n[agån{Îm¶m±

SCHEDULE - 12 ADVANCES AND OTHER ASSETS
(` bmIm| ‘|)
(` in lakhs)
A{J«‘ - Advances
1 A§VaU H§$n{Z¶m| ‘| Ama{jV O‘m
Reserve deposits with ceding companies 0.00 0.00
2 {Zdoem| Ho$ {bE AmdoXZ YZ
Application money for investments 0.00 0.00
3 n{hbo ^wJXmZ
Prepayments 0.00 0.00
4 A{YH$m[a¶m| / {ZXoeH$moo§ H$mo A{J«‘
Advances to Officers/Directors 0.00 0.00
5 AXm {H$¶m J¶m A{J«‘ H$a Ed§ ómoV na H$a H$Q>m¡Vr
Advance Tax paid and taxes deducted at source 0.00 0.00
6 AÝ¶ A{J«‘
Other Advances 0.00 0.00
Hw$b (H$)
Total (A) 0.00 0.00
AÝ¶ n[agån{Îm¶m| - Other Assets

1 {Zdoem|na ~H$m¶m / àmoX^wV Am¶
Income outstanding / accrued on investments 0.00 0.00
2 g§{X½Y ã¶mO dgybr H$m n«mdYmZ
Provision for interest doubtful of recovery 0.00 0.00
3 ~H$m¶m àr‘r¶‘
Outstanding Premiums 2.28 12.24
4 EO§Q>mo Ho$ eof
Agents' Balances 0.00 0.00
5 {dXoer EO§{g¶m| Ho$ eof
Foreign Agencies' Balances 0.00 0.00
6 ~r‘m ì¶dgm¶ H$aZodmbr AÝ¶ B§{Q>{Q>¶m| go àmá hmoZo dmbm
Due from other insurance entities carrying on 0.00 0.00
insurance business (including reinsurers)
7 ghm¶H$ / {Z¶§ÌH$ H§$nZr go àmá hmoZo dmbm
Due from subsidiaries/holding company 0.00 0.00
8 ^maVr¶ [aOd© ~¢H$ ‘| O‘m (~r‘m A{Y{Z¶‘, 1938 H$s IÊS> 7 Ho$ AZwgaU ‘|)
Deposit with Reserve Bank of India 0.00 0.00
[Pursuant to section 7 of Insurance Act,1938]
9 AÝ¶ (AÝ¶ {d{dY S>o{~Q>)
Others(Other Miscellaneous Debits) 491.27 504.79
B§Q>a H$m¶m©b¶ ImVm - Inter Office account 0.00 0.00
OrdZ ì¶dgm¶ go Xo¶ amer - Amount due from Life Business 0.00 0.00
Hw$b (I) - Total (B) 493.55 517.03
Hw$b (H$+I) Total (A+B) 493.55 517.03
244
244
61 st Annual Report
AZwgyMr - 13 Mmby Xo¶VmE§

SCHEDULE - 13 CURRENT LIABILITIES
(` bmIm| ‘|)
(` in lakhs)
1 E§OQ>m| Ho$ eof/Agents Balances 0.00 0.00
2 AÝ¶ ~r‘m H§$n{Z¶m| H$mo Xo¶ am{e
Balances due to other insurance companies 0.00 0.00
3 nwU~mr©‘m A§VaU na Ym[aV O‘m
Deposits held on reinsurance ceded 0.00 0.00
4 A{J«‘ ê$n ‘| àmá n«r‘r¶‘
Premiums received in advance 0.00 0.00
5 ~r‘m Amd§{Q>V àr[‘¶‘ - Unallocated Premium 0.00 0.00
6 \w Q>H$a boZXma - Sundry Creditors 0.00 0.00
7 ghm¶H$/{Z¶§ÌH$ H§$nZr H$mo Xo¶
Due to subsidiaries/holding company 0.00 0.00
8 ~H$m¶m Xmd| (H$maU Am¡a Ad¡V{ZH$ dm{f©{H$¶m§)
Claims Outstanding(Annuities due & Unpaid) 10.46 6.93
9 ~H$m¶m Añdm{‘H$ am{e / O‘m
Outstanding Unclaimed amount/deposit 3.05 3.94
10 A{YH$m[a¶m| / {ZXoeH$m| H$mo Xo¶
Due to Officers/Directors 0.00 0.00
11 AÝ¶ (AÝ¶ {d{dY Ho«${S>Q²>g)
Others (Other Misc. Credits)
i) ~H$m¶m H${‘eZ / Outstanding Commission 0.05 0.24
ii) {Zdoe {Z¶§ÌU / Investment control 0.00 0.00
iii) B§Q>a H$m¶m©b¶ ImVm / Inter Office Account 2363.70 1767.80
iv) AÝ¶ Xo¶VmE§ / Other Liabilities 0.26 0.24
Hw$b / TOTAL 2377.52 1779.15
AZwgyMr - 14 àmdYmZ
SCHEDULE - 14 PROVISIONS
(` bmIm| ‘|)
(` in lakhs)
1 Ag‘má Omo{I‘ Ho$ {bE Ama{jV
Reserve for unexpired Risk 0.00 0.00
2 H$amYmZ Ho$ {bE (KQ>mBE ^wJVmZ Ed§ ómoV na H$a H$Q>m¡Vr)
For taxation (less payments and taxes deducted at source) 161.46 152.64
3 àñVm{dH$ bm^m§e Ho$ {bE
For proposed dividends 837.32 637.47
4 bm^m§e {dVaU H$a Ho$ {bE
For dividend distribution tax 0.00 0.00
5 AÝ¶ ({Z{X©ï> {H$¶m OmEJm)
Others (to be specified) 0.00 0.00
Hw$b / TOTAL 998.78 790.11
245
AmH${ñH$_ Xo`VmE§
CONTINGENT LIABILITIES
(` bmIm| ‘|)
(` in lakhs
1 Am§{eH$ én go {Zdoe MwH$Vm
Partly paid up investments 0.00 0.00
2 Xmdm§ h¡o, Zr{V`mo§ Ho$ {Ibm\$ AÝ` H$r VwbZm _o§, H§$nZr Ûmam F$U Ho$ én _o§ ñdrHma Zhr§.
Claims,other than against policies,not acknowledged as debts by the company 0.00 0.00
3 {ZåZm§H$Z n«{V~ÕVm eof (eoàmo§ Am¡a n«{V^y{V`mo§ Ho$ g§~§Y _o§)
Underwriting commitments outstanding (in respect of shares and securities) 0.00 0.00
4 Ûmam `m H§$nZr H$r Amoa go {X JB© Omo{I_
Guarantees given by or on behalf of the company 0.00 0.00
5 {ddmX _o§ d¡Y{ZH$ _m§Jmo/Xo`VmE§ Ho$ {bE n«XmZ Zhr§
Statutory Demands/Liabilities in dispute,not provided for 0.00 0.00
6 nwZ~r©_m Xm{`Ëdmo§ Ho$ {bE gr_m VH$ n«XmZ Zhr§
Reinsurance obligations to the extent not provided for 0.00 0.00
7 AÝ`/ Others 0.00 0.00
Hw$b/ TOTAL 0.00 0.00
F.R.N. / 105049W F.R.N/004283S
g.H«$./M.No.033632 g.H«$./ M.No. 018525
F.R.N./009571N/N500006 F.R.N./000745C
g.H«$./M.No. 088810 g.H«$./M.No. 073124
}
E{bg Or d¡X`Z
g.H«$./ M.No. 157955 g.H«$. M.No. 014854
Dinesh Pant Appointed Actuary
g.H«$./M.No. 028224 g.H«$./M.No. 109859
246
246
61 st Annual Report
31 cee®e&, 2018 keÀes meceeHle

Je<e& kesÀ efueS ÒeyebOeve efjHeesì&
Management Report
For the year ended 31st March, 2018
247
^maVr¶ OrdZ ~r‘m {ZJ‘

31 ‘mM©, 2018 Ho$ g‘má df© Ho$ {bE à~§YZ H$s [anmoQ>©
31 ‘mM©, 2018 H$mo g‘má {dÎmr¶ df© Ho$ {bE {ZJ‘ Ho$ àMmbZm| Ho$ g§~§Y ‘|, à~YZ EVX² Ûmam nw{ï> H$aVm h¡, à‘m{UV H$aVm h¡ Am¡a KmofUm H$aVm h¡ {H$:
1. {ZJ‘ Zo ~r‘m {d{Z¶m‘H$ Ed§ {dH$mg àm{YH$aU go n§OrH$aU Ho$ ZdrH$aU H$m à‘mUnÌ H$a {b¶m h¡ h¡ Am¡a dh {d{Y‘mÝ¶ ~Zm hþAm h¡& {ZJ‘ Zo
àm{YH$aU Ûmam {d{ZYm©[aV n§OrH$aU H$s eVm] H$m nmbZ {H$¶m h¡&
2. {ZJ‘ Zo, gm§{d{YH$ àm{YH$aUm| H$mo ^wJVmZ ¶mo½¶ g^r Xo¶ YZam{e¶m| H$m ^wJVmZ H$a {X¶m h¡, {gdm¶ {ZåZ{b{IV Ho$:
(H$) {d{^Þ Ý¶m¶b¶m| ‘| b§{~V ‘m‘bm| H$mo Ü¶mZ ‘| aIVo hþE, H$‘©Mm[a¶m| Ho$ doVZm| Ed§ A{^H$Vm©Am| H$m ^wJVmZ {H$¶m J¶m H$‘reZ go Am¶ H$a Ho$
à{V H$s JB© H$Q>m¡Vr H$s YZam{e Hw$b {‘bmH$a ` 11298.15 bmI énE ({nN>bo df© ` 159.86 bmI énE h¡&
I) ^dZ/godm AZwajU R>oHo$Xmam|, nm°{bgrYmaH$m| Am¡a ^{dî¶ {Z{Y àm{YH$mar¶m| H$mo {H$E JE ^wJVmZm| go Am¶ Ho$ à{V H$s JB© H$Q>m¡Vr H$s YZam{e
Hw$b {‘bmH$a ` 401.10 bmI énE ({nN>bo df© ` 6361.18 bmI énE)
3. H|${Ð¶ gaH$ma Ûmam, ^maVr¶ OrdZ ~r‘m {ZJ‘ A{Y{Z¶‘, 1956 H$s Ymam 5 ‘| {H$E JE g§emoYZ Ho$ AZwgma, {ZJ‘ ‘| bJm¶r J¶r ny§Or ‘o§ H$moB©
~Xbmd Zhr h¡&
4. à~§YZ Zo, ^maV ‘| Omar H$s JB© nm°{bgr Ho$ YmaH$m| H$s {Z{Y¶m| H$m {Zdoe àË¶j ¶m namoj ê$n go ^maV Ho$ ~mha Zht {H$¶m h¡&
5. à~§YZ Bg ~mV H$s nw{ï> H$aVm h¡ {H$ AmB© Ama S>rE AmB© Ho$ {d{Z¶‘m| Ho$ AZwgma Ano{jV F$U emoYZ ‘m{O©Z, ~ZmE aIm J¶m h¡&
6. {H$gr g§^m{dV j{V Ho$ {bE, VwbZ-nÌ H$s VmarI H$m ¶WmpñW{V, g^r n[ag§n{Îm¶m| Ho$ ‘yë¶m| H$s g‘rjm H$s JB© h¡ Am¡a à~§YZ H$s am¶ ‘| VwbZ-nÍm
‘| àñVwV H$s JB© n[ag§n{Îm¶m§, F$U, {Zdoe, EOo§Qmo§ Ho$ eof, ~H$m¶m àr{‘¶‘, ã¶mO bm^m§e Am¡a ~H$m¶m {H$amE, ã¶mO, bm^m§e, Am¡a Cn{MV na§Vw
AXo¶ {H$amE, AÝ¶ ì¶{º$¶m| ¶m ~r‘m ì¶dgm¶ MbmZo dmbo {ZH$m¶m| go Xo¶ YZam{e¶m§, {d{dY XoZXma, ZH$Xr Am¡a AÝ¶ boIo Ho$ A§VJ©V {d{Z{X©ï> Hw$N>
‘X| erf©H$m| Ho$ A§VJ©V A{YH$ go A{YH$ CZHo$ dgybr¶mo½¶ ¶m ~mOma ‘yë¶ H$s Hw$b YZam{e ‘| Xem©¶r JB© h¡§&
7. ~r‘m {Z{Y Ho$ {H$gr ^r ^mJ H$m AZwà¶moJ, àË¶j ¶m namoj én go, OrdZ ~r‘m {ZJ‘ Ho$ AZwà¶moJ Am¡a {Zdoe go g§~§{YV, ~r‘m A{Y{Z¶‘, 1938
(138 H$m 4) g§g§mo{YV ~r‘m H$mZyZ (g§gmo{YV) A{Y{Z¶‘ 2015 Ho$ Cn~§Ym| H$m C„§KZ H$aHo$ Zht {H$¶m J¶m h¡&
8. H$. {Zdoem| H$mo H«o${S>Q>, n[aemoYZ Am¡a ã¶mO Xa Omo{I‘m| Ho$ à{V A{^ì¶º$ {H$¶m J¶m h¡& h‘, {Zdoe na AmB©AmaS>rEAmB© Am¡a ~r‘m A{Y{Z¶‘,
1938 O¡gm H$s ~r‘m H$mZyZ (g§emo{YV) A{Y{Z¶‘ 2015 Ho$ Ûmam g§emoYZ Ûmam [d{ZYm©[aV {Xem{ZX}em| H$m nmbZ H$a aho h¢& {Zdoe H$mo H§$nZr-
dma Am¡a CÚmoJ-dma aIm J¶m h¡& {Zdoe Am‘Vm¡a na Eogo {dboImo ‘| {H$E JE h¢, {OZH$m ‘yë¶ {ZYm©aU EE Am¡a Bggo Cna {H$¶m J¶m h¡ Am¡a
BgHo$ níMmV BZH$s {Za§Va ‘m°ZrQ>[a¨J H$s JB© h¡&
I. {ZJ‘ H$s AdYmaU gr‘m go Cna, A{YH$ Omo{I‘ E³gnmoOa H$m ‘wH$m~bm “ñdrg ar”, “å¶w{ZI ar”, Or. AmB©. gr. ar Ed§ Ama. Or. E. ar Ho$
gmW nwZ: ~r‘m Ho$ O[aE {H$¶m J¶m h¡&
9. {ZJ‘ Ho$ àMmbZ VrZ Xoem| AWm©V² ¶y.Ho$. ’$sOr Am¡a ‘mareg ‘| h¢& h‘| H$moB© Xoe g§~§Yr Omo{I‘ Zht h¡ ³¶mo{H$ BZ Xoem| ‘| nm°{b{g¶m| H$m àñVmd Ho$db
g§~§{YV Xoe H$s ‘wÐm ‘| {X¶m OmVm h¡ Am¡a Xoe ‘| àmá Am¶ H$m {Zdoe ^r Cgr Xoe ‘| {H$¶m OmVm h¡, {gdm¶ J¡a-¶y.Ho$. B{¹${Q>¶m| Ho$ O[aE ¶y.Ho$. ‘|
EH$ bKw {Zdoe Ho$&
10. {nN>bo 5 dfm} Ho$ {bE ñdrH¥$V naÝVw ^wJVmZ Z {H$¶o J¶o Xmdm| Ho$ Am§H$‹S>m| (‘¥Ë¶w Am¡a n[an¹$Vm) H$s Ad{Y {ZåZ{b{IV h¢:
na§namJV ì¶dgm¶:
Ad{Y 2017-18 2016-17 2015-2016 2014-2015
Xmdm| H$s amer Xmdm| H$s amer Xmdm| H$s amer Xmdm| H$s amer
g§»¶m (` H$amo‹S> ‘|) g§»¶m (` H$amo‹S> ‘|) g§»¶m (` H$amo‹S> ‘|) g§»¶m (` H$amo‹S> ‘|)
30 {XZ 82737 504.36 129166 583.65 670 33.17 13762 338.25
30 {XZ go 6 ‘{hZo 46284 444.65 145463 660.31 1932 84.27 7205 161.76
6 ‘{hZo go 1 df© 4597 36.33 612 3.02 1650 77.65 1003 20.65
1 df© go 5 df© 14203 80.36 848 4.94 1966 67.85 1367 18.38
5 df© Am¡a Cggo AmJo 0 0 0 0 0 0 0 0
248
248
61 st Annual Report
LIFE INSURANCE CORPORATION OF INDIA

MANAGEMENT REPORT FOR THE YEAR ENDED 31ST MARCH, 2018
With respect to the operations of the Corporation for the Financial Year ended 31st March, 2018, the Management hereby confirms,
certifies and declares that:
1. The Corporation has obtained the Certificate of Renewal of Registration from the Insurance Regulatory and Development Authority
of India and the same continues to be valid. The Corporation has complied with the terms and conditions of the registration stipulated
by the Authority.
2. The Corporation has paid all dues payable to the Statutory Authorities except:-
(a) The amounts deducted towards tax from the salaries of the employees and commission paid to Agents aggregating to
`. 11298.15 lacs (previous year ` 159.86 lacs).
(b) The amount deducted towards Income-tax from payments made to Building/Service Maintenance Contractors, Policyholders,
and payment to other Statutory Authorities aggregating to `. 401.10 lacs (previous year `. 6361.18 lacs).
3. There has been no change in the capital provided by the Central Government in terms of amendment in section 5 of Life Insurance
Corporation Act, 1956.
4. The Management has not directly or indirectly invested outside India the funds of the holders of policies issued in India.
5. The Management confirms that the required solvency margin has been maintained as per IRDAI Regulations.
6. The values of all the assets have been reviewed on the date of Balance-Sheet for any possible impairment and that in the opinion
of the Management the assets set forth in the Balance-Sheets are shown in the aggregate at amounts not exceeding their realizable
or market value under the headings “Loans”, “Investments”, “Agents balances”, “Outstanding Premiums”, “Interest, Dividends and
Rents outstanding”, “Interest, Dividends and Rents accruing but not due”, “Amounts due from other persons or Bodies carrying on
insurance business”, Bills Receivable, “Sundry Debtors”, “Cash” and the several items specified under “Other Accounts”.
7. No part of the life insurance fund has been directly or indirectly applied in contravention of the provisions of the Insurance Act,
1938 (4 of 1938) as amended by the Insurance Laws (Amendment) Act 2015, relating to the application and investment of the Life
Insurance Funds.
8. a. The Investments are exposed to Credit, Liquidity and Interest rate risks. We have been following the guidelines on Investments
prescribed by IRDAI and Insurance Act, 1938 as amended by the Insurance Laws (Amendment) Act 2015. The investments
are capped company-wise, group-wise & industry-wise. Investments are generally made in instruments, which are rated AA
and above with continuous monitoring thereafter.
b. The excess risk exposure over the retention limit of the Corporation is met through reinsurance with Swiss Re, Munich Re, GIC
Re and RGA Re.
9. The Corporation has overseas operations in three countries viz. U.K., Fiji and Mauritius. We do not have any country risk as the
policies in these countries are offered in the respective country currency only and income received in the country is also invested in
the same country except a small investment in U.K. through non U.K. equities.
10. Ageing of claims registered and not settled data (death and maturity) for the preceding 5 years is:
Traditional Business:
Period 2017-18 2016-17 2015-2016 2014-2015

No. of Amount No. of Amount No. of Amount No. of Amount
claims (` in crore) claims (` in crore) claims (` in crore) claims (` in crore)
30 days 82737 504.36 129166 583.65 670 33.17 13762 338.25
30 days to 6 months 46284 444.65 145463 660.31 1932 84.27 7205 161.76
6 months to 1 year 4597 36.33 612 3.02 1650 77.65 1003 20.65
1 year to 5 years 14203 80.36 848 4.94 1966 67.85 1367 18.38
5 years and above 0 0 0 0 0 0 0 0
249
Ad{Y 2013-2014
Xmdm| H$s g§»¶m amer (` H$amo‹S> ‘|)
30 {XZ 14575 354.02
30 {XZ go 6 ‘{hZo 11277 283.92

6 ‘{hZo go 1 df© 695 19.10
1 df© go 5 df© 943 18.83
5 df© Am¡a Cggo AmJo 0 0
g§~§Õ ì¶dgm¶:
Ad{Y 2017-18 2016-17 2015-16 2014-15
Xmdm| H$s amer Xmdm| H$s amer Xmdm| H$s amer Xmdm| H$s amer
g§»¶m (` H$amo‹S> ‘|) g§»¶m (` H$amo‹S> ‘|) g§»¶m (` H$amo‹S> ‘|) g§»¶m (` H$amo‹S> ‘|)
30 {XZ 190855 1487.53 22959 154.21 10526 62.24 13340 185.57
30 {XZ go 6 ‘{hZo 73382 488.72 35400 237.77 13944 82.45 9759 135.75
6 ‘{hZo go 1 df© 8667 62.93 8668 58.22 5899 34.88 2893 40.24
1 df© go 5 df© 13593 127.06 10898 73.20 19350 114.41 6373 88.66
5 df© Am¡a Cggo AmJo 0 0 0 0 0 0 0 0
Ad{Y 2013-2014
Xmdm| H$s g§»¶m amer (` H$amo‹S> ‘|)
30 {XZ 32136 317.41
30 {XZ go 6 ‘{hZo 25935 256.83
6 ‘{hZo go 1 df© 1466 16.98
1 df© go 5 df© 1516 14.81
5 df© Am¡a Cggo AmJo 0 0
11 (H$) VwbZ nÌ ‘| ¶Wm X{e©V J¡a-g§~§Õ ì¶dgm¶ Ho$ {Zdoem| Ho$ ‘yë¶ Am¡a CZH$m ~mOma ‘yë¶ {ZåZ{b{IV VarHo$ go {ZH$mbo JE h¡§:
{Zdoe ‘yë¶m§H$Z H$s nÕ{V
1. F$U à{V^y{V¶m§ H$) gaH$mar à{V^y{V¶m| Am¡a {d‘moÀ¶ A{Y‘mZr eo¶am| g{hV g^r F$U à{V^y{V¶m| H$m ‘yë¶m§H$Z, n[aemoYZ H$s
eV© Ho$ AYrZ, Eo{Vhm{gH$ bmJV na {H$¶m J¶m&
I) boIm-~{h¶m| ‘| J¡a-{ZînmXZ F$Um| Ho$ à{V àmdYmZ AmB©AmaS>rEAmB© Ho$ {Xem{ZX©oem| Ho$ AZwgma {H$E JE h¡&
2. g{H«$¶ ê$n go ì¶mnma {H$E JE B{¹$Q>r eoAa BZH$m ‘yë¶m§H$Z, ZoeZb ñQ>m°H$ E³gM|O (EZ Eg B©) Ohm§ do gyMr~Õ h¡, ‘o§ A§{V‘ CÕíV ³bmoqOJ ‘yë¶ na
{H$¶m J¶m Wm& ¶{X AmboI EZ.Eg.B©. ‘o gyMr~Õ Zht h¡ Vmo ~r.Eg.B©. Ho$ ³bmoqOJ ‘yë¶ na {H$¶m J¶m&
3. AgyMr~Õ Am¡a g{H«$¶ ê$n go ì¶mnma {H$E BÝh|, Eo{Vhm{gH$ bmJV ‘| go BZ {Zdoem| Ho$ VZwH$aU Ho$ {bE àmdYmZ KQ>mH$a AmE ‘yë¶ na ‘mnm AmEJm&
JE B{¹$Q>r eo¶a Ho$ Abmdm
4. å¶wMAb ’§$S> Am¡a CÚ‘ ny§Or {Zdoe å¶wMwAb ’§$S> ‘| {H$E JE {Zdoem| H$m ‘yë¶m§H$Z, g§~{YV å¶wMwAb ’§$S> Ûmam Kmo{fV A§{V‘ CÕíV EZEdr Ho$
AmYma na {H$¶m J¶m h¡& CÚ‘ ny§Or {Zdoem| H$m ‘yë¶m§H$Z, nwñVH$ ‘| go VZwH$aZ Ho$ {bE àmdYmZ KQ>mH$a, na
{H$¶m J¶m h¡&
5. F$U BZH$m ‘yë¶m§H$Z J¡a-{ZînmXZ Ho$ à{V Eo{Vhm{gH$ bmJV ‘| go àmdYmZm| H$mo KQ>mH$a {H$¶m J¶m h¡&
6.gmd{Y O_m bmJV na _yë`m§{H$V
h‘mao A{YH$m§e {Zdoe, gaH$mar à{V^y{V¶m| Am¡a AÝ¶ AZw‘mo{XV à{V^y{V¶m| ‘| h¡& h‘mao {Zdoem| Ho$ {^Þ-{^Þ nmoQ>©’$mo{b¶mo {ZåZ{b{IV h¢:
250
250
61 st Annual Report
Period 2013-2014
No. of claims Amount
(` in crore)
30 days 14575 354.02
30 days to 6 months 11277 283.92
6 months to 1 year 695 19.10
1 year to 5 years 943 18.83
5 years and above 0 0
Linked Business:
Period 2017-18 2016-17 2015-16 2014-15

No. of Amount No. of Amount No. of Amount No. of Amount
claims (` in crore) claims (` in crore) claims (` in crore) claims (` in crore)
30 days 190855 1487.53 22959 154.21 10526 62.24 13340 185.57
30 days to 6 months 73382 488.72 35400 237.77 13944 82.45 9759 135.75
6 months to 1 year 8667 62.93 8668 58.22 5899 34.88 2893 40.24
1 year to 5 years 13593 127.06 10898 73.20 19350 114.41 6373 88.66
5 years and above 0 0 0 0 0 0 0 0
Period 2013-2014
No. of claims Amount
(` in crore)
30 days 32136 317.41
30 days to 6 months 25935 256.83
6 months to 1 year 1466 16.98
1 year to 5 years 1516 14.81
5 years and above 0 0
11 (A). The values of Investments of Non Linked Business, as shown in the Balance Sheet and the market value thereof, have been
arrived at as follows:
INVESTMENT METHOD OF VALUATION

1. Debt Securities a) All debt securities, including Govt. Securities and Redeemable Preference shares
were valued at historical cost subject to amortization.
b) Provision, as per IRDAI/RBI guidelines, has been made in the books of accounts
towards non-performing debts.
2. Actively traded Equity shares These were valued at last quoted closing prices at the NSE, where they are listed. In
case the scrips not listed on the NSE, the closing prices on the BSE have been taken
3. Unlisted and other than actively These were measured at historical cost less provision for diminution in value of such
traded equity shares investments.
4. Mutual Fund & Venture Capital Investments in Mutual Funds are valued at last quoted NAV declared by the respective
Investments Mutual funds. Venture Capital Investments are valued at book value less provision
for diminution.
5. Loans Valued at historical cost less provision towards non-performing loans.
6. Fixed Deposits Valued at cost.
Bulk of our investments is in Government Securities and other approved securities. The rest are spread over various other
categories. The different portfolios of our investments are as follows:
251
J¡a-g§~Õ ì¶dgm¶:
(` H$amo‹S> ‘|)
H«$.g§. loUr {Zdoe Hw$b H$m à{VeV
1 gaH$mar Am¡a AÝ¶ AZw‘mo{XV à{V^y{V¶m§ 1666012.53 62.90%
2 {S>~|Ma / ~m§S> 286013.93 10.80%
3 H$manmoaoQ>/gaH$ma/gaH$mar {ZH$m¶ H$mo F$U 27177.87 1.03%
4 B{¹${Q>¶m§/A{Y‘mZr eo¶a/å¶wMwAb ’§$S> 562511.02 21.24%
5 H$m°b/gmd{Y O‘m/H$mofmJma {~b/dm{UpÁ¶H$ H$mJX-nÌ Ed§ AÝ¶ 10432.46 0.39%
6 {Zdoe g§n{Îm¶m§ 11325.32 0.43%
7 ~ÝYH$ F$U 372.85 0.01%
8 nm°{bgr F$U 84824.47 3.20%
9 AÝ¶ F$U 0.01 0.00%
Omo‹S> 2648670.46 100.00%
grAmaEgr ì¶dgm¶:
(` H$amo‹S> ‘|)
H«$.g§. loUr {Zdoe Hw$b H$m à{VeV
1 gaH$mar Am¡a AÝ¶ AZw‘mo{XV à{V^y{V¶m§ 73.39 35.11%
2 {S>~|Ma / ~m§S> 135.26 64.72%
3 H$manmoaoQ>/gaH$ma/gaH$mar {ZH$m¶ H$mo F$U 0.19 0.09%
4 H$m°b/gmd{Y O‘m/H$mofmJma {~b/dm{UpÁ¶H$ H$mJX-nÌ Ed§ AÝ¶ 0.17 0.08%
Omo‹S> 209.01 100.00
(H$) VwbZ-nÌ ‘| ¶Wm X{e©V g§~Õ ì¶dgm¶ Ho$ {Zdoem| Ho$ ‘yë¶ Am¡a CZHo$ ~mOma ‘yë¶ {ZåZ{b{IV VarHo$ go {ZH$mbo JE h¡:
{Zdoe ‘yë¶m§H$Z H$s nÕ{V
1. F$U à{V^y{V¶m§ ¶w{ZQ> {Z{Y¶m| H$s H|$Ðr¶ gaH$ma H$s à{V^y{V¶m|, amÁ¶ gaH$ma H$s à{V^y{V¶m|, AÝ¶ AZw‘mo{XV à{V^y{V¶m|, {S>~|Mam| Am¡a ~m§S>mo§ Ho$ ‘yë¶m§H$Z,
E’$ AmB© E‘ E‘ SrE Ûmam Kmo{fV {nN>br CnbãY ~mOma Xam| na {H$E JE Wo Am¡a H|$Ðr¶ gaH$ma H$s à{V^y{V¶m|, amÁ¶ gaH$ma H$s
à{V^y{V¶m|, AÝ¶ AZw‘mo{XV à{V^y{V¶m|, J¡a-¶y{ZQ> {Z{Y¶m| Ho$ {S>~|Mam| Am¡a ~m°ÝS>mo H$m ‘yë¶m§H$Z n[aemoY bmJV na {H$¶m J¶m Wm& AmB©.
Ama.S>r.E.AmB©. Ho$ Cn~§Ymo Ho$ AZwgma J¡a-{ZînmXZ H$Omo> ª Ho$ à{V boIm-~{h¶m| ‘| àmdmYmZ {H$¶m J¶m h¡&
2. B{¹$Q>r eo¶a BZH$m ‘yë¶m§H$Z, ZoeZb ñQ>m°H$ E³gM|O EZEgB© Ohm§ do gyMr~Õ h¡, Ho$ A§{V‘ CÕíV ³bmoqOJ ‘yë¶m| na
3. gmd{Y O‘m BZH$m ‘yë¶m§H$Z bmJV na {H$¶m J¶m Wm&
4. å¶wMwAb ’§$S> BZH$m ‘yë¶m§H$Z, å¶wMwAb ’§$S> Ûmam A§{V‘ CØíV EZEdr na {H$¶m J¶m Wm
g§~Õ ì¶dgm¶:
(` H$amo‹S> ‘|)
H«$.g§. loUr {Zdoe Hy$b H$m à{VeV
1 H|$Ðr¶ gaH$ma H$s à{V^y{V¶m§ 32652.23 37.16%
2 AZw‘mo{XV ~mOma à{V^y{V¶m§ 714.91 0.81%
3 {S>~|Ma 3003.71 3.42%
4 ~m§S> 3976.13 4.52%
5 B{¹${Q>¶m§ 39611.60 45.07%
6 A{Y_mZr eoAa 48.54 0.06%
7 gmd{Y O‘m 1302.30 1.48%
8 å¶wÀmwAb ’§$S> 5604.31 6.38%
9 AÝ¶ à{V^y{V¶m§ 969.15 1.10%
Omo‹S> 87882.88 100.00%
(g^r {Zdoe gH$b ‘yë¶ na {XImE OmVo h¡)
252
252
61 st Annual Report
Non Linked Business: (` in crore)

Sr. No. Category Investment % to total
1 Government and other approved Securities 1666012.53 62.90%
2 Debentures/Bonds 286013.93 10.80%
3 Loans to Corporate/Government/ Government Bodies 27177.87 1.03%
4 Equities/Preference Shares/ Mutual Funds 562511.02 21.24%
5 Call/Fixed deposits/Treasury Bills/ 10432.46 0.39%
6 Commercial Papers & others Investment Properties 11325.32 0.43%
7 Loans Mortgage 372.85 0.01%
8 Policy loans 84824.47 3.20%
9 Loans others 0.01 0.00%
Total 2648670.46 100.00%
CRAC Business : (` in crore)
1 Government and other approved Securities 73.39 35.11%
2 Debentures/Bonds 135.26 64.72%
3 Equities/Preference Shares/ Mutual Funds 0.19 0.09%
4 Call/Fixed deposits/Treasury Bills/ Commercial Papers & others 0.17 0.08%
Total 209.01 100.00
(B) The values of Investments of Linked Business, as shown in the Balance Sheet and the market value thereof, have been arrived
at as follows:
INVESTMENT METHOD OF VALUATION

1. Debt Securities Central Government securities, State Government securities, Other Approved Securities, Debentures
& Bonds of unit funds were valued at last available market rates declared by FIMMDA and Central
Government Securities, State Government Securities, Other Approved securities, Debentures &
Bonds of non unit funds were valued at amortized cost.
Provision, as per IRDAI/RBI guidelines, has been made in the books of accounts towards non-
performing debts wherever necessary.
2. Equity shares These were valued at last quoted closing prices at the NSE, where they are listed. In case the scrips
not listed on the NSE, the closing prices on the BSE have been taken.
3. Fixed Deposit These were valued at cost.
4. Mutual Fund Investments in Mutual Funds are valued at last quoted NAV declared by the respective mutual fund.
Linked Business:
(` in crore)
1 Central Govt. Securities 32652.23 37.16%
2 Approved Market Securities 714.91 0.81%
3 Debentures 3003.71 3.42%
4 Bonds 3976.13 4.52%
5 Equities 39611.60 45.07%
6 Preference shares 48.54 0.06%
7 Fixed Deposits 1302.30 1.48%
8 Mutual Funds 5604.31 6.38%
9 Other Securities 969.15 1.10%
Total 87882.88 100.00%
(All Investments are shown at gross value)
253
12. df© 2017-18 Xm¡amZ {Zdoem| H$m H$m¶©-{ZînmXZ g§VmofOZH$ Wm& J¡a-g§~Õ ì¶dgm¶ Ho$ g§~§Y ‘| {ZJ‘ Zo ã¶mO Ho$ ê$n ‘| ` 155071.90 H$amo‹S>
Am¡a bm^m§e Ho$ ê$n ‘| ` 9768.82 H$amo‹S> A{O©V {H$E Omo Bg df© Ho$ {bE 7.71 à{VeV H$s àm{á h¡& BgHo$ A{V[aº$ {ZJ_ Zo {Zdo{eV gån{Îm Ho$
{H$am¶o go ` 455.98 H$amo‹S> Ed§ ~§YH$ F$U na ` 20.97 H$amo‹S> ã¶mO àmá {H$¶o& nm°{bgr F$U na ` 9576.80 ã¶mO àmá {H$¶o& AÝ¶ ` 19512.94
H$amo‹S>, B{¹${Q>¶m|, gaH$mar à{V^y{V¶m| Am¡a AÝ¶ à{V^y{V¶m| (F$U emoYZ g{hV) H$s {~H«$s go àmá {Zdb bm^ Ho$ ê$n ‘o àmá {H$E JE& ny.‘mo.{Z.dm.
ì¶dgm¶ ‘| {ZJ‘ Zo. 9.10 à{VeV Ho$ à{V’$b go ` 19.41 H$amo‹S> H$s ewÕ Am¶ A{O©V H$s& g§~Õ ì¶dgm¶ Ho$ g§~§Y ‘| {ZJ‘ Zo, B{¹${Q>¶m| Am¡a
gaH$mar à{V^y{V¶m| H$s {~«H$s go bm^ Ho$ ê$n ‘| Bg df© Ho$ {bE ã¶mO Ho$ ê$n ‘| ` 3888.04 H$amo‹S>, bm^m§e Ho$ ê$n ‘| ` 804.02 H$amo‹S> Am¡a
` 6634.58 H$amo‹S> H$s {~«H$s d {d‘moMZ go bm^ Ho$ ê$n ‘| àmá {H$E&
13. 31.03.2018 H$mo ¶WmpñW{V g§~§Õ ì¶dgm¶ Ho$ {Zdb n[ag§n{Îm ‘yë¶ {ZåZ{b{IV h¡:
’§$S> â¶yMa ßbg J«oÀ¶wQ>r ßbg
~m°ÊS> 24.3506 24.8717
J«moW 43.1569 27.9174
BÝH$‘ 29.2099 30.7157
~¡b|ñS> 28.6792 26.9610
’§$S> OrdZ ßbg ‘Zr ßbg ‘mH}$Q> ßbg ’$moMw©Z ßbg àmo{’$Q> ßbg ‘Zr ßbg ‘mH}$Q> ßbg MmB©ëS
’$moMw©Z ßbg
~m°ÊS> 24.7154 24.9997 27.8655 22.9600 24.5308 25.7357 22.1470 20.3692
J«moW 38.1858 18.4356 22.8500 19.8909 18.9165 25.2978 23.3360 32.4489
{g³¶moS>© 25.0956 24.8732 29.8886 22.1515 26.2511 27.6132 19.5612 27.5032
~¡b|ñS> 24.5099 23.4377 28.0972 18.1343 28.5434 24.9296 19.4897 24.4555
’§$S> OrdZ gmWr E§S>mod‘|Q> ßbg Ý¶y E§S>mod‘|Q> ßbg
ßbg
~m°ÊS> 19.1213 18.5872 12.4050
J«moW 19.3148 18.6802 12.8272
BÝH$‘ 18.7406 16.8332 12.5302
~¡b|ñS> 18.8753 17.7196 12.6027
’§$S> EZEdr
hoëW ßbg 20.8255
hoëW àmoQ>o³eZ ßbg 20.2313
doëW ßbg 15.4619
g‘¥{Õ ßbg 18.8558
’§$S> noÝeZ ’§$S> âb¡³gr ’§$S>

S>oãQ> 18.5000 15.3114
{‘³ñS> 17.9775 15.5512
’§$S> ~§X H$s JB© nm°{b{g¶m| hoVw H$mof

bmB’$ 11.9032
254
254
61 st Annual Report
12. The performance of the Investments was satisfactory, during 2017-2018.
In respect of Non Linked business , Corporation earned ` 155071.90 crore as interest and ` 9768.82 crore as dividend, returning a
yield of 7.71% for the year. The corporation also earned rent of ` 455.98 crore for Investment Property, ` 9576.81 crore.for interest
on policy loans & `20.97 crore as interest on loan on mortgages. Another `19512.94 crore was realized as Net profit from the sale
of Equities, Government securities and Other securities (including amortization) taking the total yield to 8.66%.
In CRAC business the Corporation earned a net income of ` 19.41 Cr, returning a yield of 9.10 %.
In respect of Linked business, Corporation has earned ` 3888.04 crore as interest and ` 804.02 crore as dividend for the year.
` 6634.58 crore was realized as profit from sale & redemption of investments(including amortization).
13. The Net Asset Values of Linked Business as on 31.3.2018:
Fund Future Plus Gratuity Plus

Bond 24.3506 24.8717
Growth 43.1569 27.9174
Income 29.2099 30.7157
Balanced 28.6792 26.9610
Fund Jeevan Money Plus Market Plus Fortune Profit Plus Money Market Child
Plus Plus Plus I Plus I Fortune
Plus
Bond 24.7154 24.9997 27.8655 22.9600 24.5308 25.7357 22.1470 20.3692
Growth 38.1858 18.4356 22.8500 19.8909 18.9165 25.2978 23.3360 32.4489
Secured 25.0956 24.8732 29.8886 22.1515 26.2511 27.6132 19.5612 27.5032
Balanced 24.5099 23.4377 28.0972 18.1343 28.5434 24.9296 19.4897 24.4555
Fund Jeevan Endowment New

Sathi Plus Plus Endowment
Plus
Bond 19.1213 18.5872 12.4050
Growth 19.3148 18.6802 12.8272
Secured 18.7406 16.8332 12.5302
Balanced 18.8753 17.7196 12.6027
Fund NAV
Health Plus 20.8255
Health Protection Plus 20.2313
Wealth Plus 15.4619
Samridhi Plus 18.8558
Fund Pension Plus Flexi Plus

Debt 18.5000 15.3114
Mixed 17.9775 15.5512
Fund Discontinued Fund

Life 11.9032
255
14. 31 ‘mM©, 2018 H$mo ¶WmpñW{V , J¡a-{ZînmXZ, n[ag§n{Îm¶m°§, ` 405304.80 H$amo‹S> Ho$ Hw$b F$U ‘| go ` 25241.00 H$amo‹S> H$s h¡& Ad‘mZH$
n[ag§n{Îm ` 7828.07 H$amo‹S> H$s h¡ O~{H$ g§{X½Y n[ag§n{Îm ` 13517.86 H$amo‹S> H$s h¡ Am¡a hm{Z n[ag§n{Îm¶m§ ` 4255.07 H$amo‹S> H$s h¡&
AmB©AmaS>rEAmB© Ho$ {Xem{ZX}em| Ho$ AZwgma J¡a-{ZînmXZ n[ag§n{Îm¶m| Ho$ à{V boIm ~{h¶m| ‘| ` 18195.73 H$amo‹S> H$s YZam{e H$m àmdYmZ {H$¶m
J¶m h¡&
(` H$amo‹S> ‘|)
n[ag§n{Îm¶m§± àmdYmZ
Ad‘mZH$ 7828.07 782.81
g§{X½Y n[ag§n{Îm¶m§ 13157.86 13157.86
hm{Z n[ag§n{Îm¶m§ 4255.07 4255.06
Omo‹S> 25241.00 18195.73
‘mZH$ 380063.80 1616.09
gH$b Omo‹S> 405304.80 19811.82
{Zdoe EZnrE
A B
gH$b 405304.80 25241.00
EZnrE àmdYmZ 18195.73 18195.73
ewÕ pñW{V 387109.07 7045.27
EZnrE Am¡a {Zdoe H$m AZwnmV

I/H$*100
gH$b EZnrE 6.23
ewÕ EZnrE 1.82
15. à~§YZ Zo, [a¶b EñQ>oQ>, F$Um| AÝ¶ AMb n[agån{Îm¶m| Am{X Ho$ g§~§Y ‘| {Zdoem| Ho$ H$m¶©-{ZînmXZ Am¡a n[ag§n{Îm H$s JwUdÎmm H$s g‘rjm H$s h¡ Am¡a
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16. 2048 emImAm| ‘| go 1644 emImE§, Omo 80.27 à{VeV H$mo Xem©Vr h¢, A~ ~¢H$ g§amYZ ‘| ~mø ‘Xm| go nyar Vah ‘wº$ h¡& g§amYZ ‘| ~mø ‘Xm| H$m
{ZnQ>mZ H$aZo Ho$ {bE ~mH$s H$m¶m©b¶m| Ûmam OmoaXma à¶mg {H$E Om aho h¢&
17. 31 ‘mM© 2018 H$mo ¶WmpñW{V, A{âjH$m| Ho$ gmW h‘mao hmopëS>¨½O Ho$ g§amYZ H$s pñW{V {Za§Va h¡ Am¡a AÚVZ pñW{V ZrMo Xr JB© h¡…
A§Va (*)
YZam{e H$amoS> ê$. ‘| loUr {Zdoe H$m à{VeV
Bp³dQ>r eo¶a 0.35 0.0001
{S>~|Ma Am¡a ~m°ÊS> 5.73 0.002
Cnamo³V YZam[e, ~rAmBE\ Ama/S>rAmaQ>r/grS>rAma Ho$ nmg b§{~V ‘m‘bm| Ho$ {bE/F$U ‘moMZ Ho$ {bE n[ag‘mnH$/H§$nZr H$mo Aä¶{n©V {S>~|Mam| Am¡a
*
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OmE/~r AmB© E\ Ama/S>r Ama Q>r/gr S>r Ama go {ZU©¶ àmßV hmo OmE.
Hw$b A§Va ‘hËdnyU© Zht h¡. {Zdoem| H$m g§amYZ X¡{ZH$ AmYma na {H$¶m OmVm h¡&
18. Hw$N> F$Um|, A{J«‘m|, EO|Q>mo Ho$ eofm|, {d{dY boZXmam| Ho g§~§Y ‘| Hw$N> ‘m‘bm| ‘| eofm| H$s nw{ï> àmßV Zht hþB© h¡. à~§YZ H$s am¶ h¡ {H$ nw{ï> Ho$ àmßV Z
hmoZo Am¡a CgHo$ n[aUm‘r g§amYZ H$m, boImAm| na nS>Zo dmbo à^md Ho$ ‘hËdnyU© hmoZo H$s g§^mdZm Zht h¡&
19. CZ nm{Q>©¶m| Am¡a boZXoZm| Ho$ Abmdm, Omo AZwgyMr 15-J (A{V[a³V {dJmonZ) H$s {Q>ßnUr (8) Ho$ A§VJ©V gyMr~Õ h¡, Eoogr H$moB© AÝ¶ nm{Q>©¶m§ Am¡a
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256
256
61 st Annual Report
14. The non-performing assets as at 31st March, 2018 are ` 25241.00 crore out of a total debt of ` 405304.80 crore. The sub-standard
asset is ` 7828.07 crore whereas the doubtful asset is ` 13157.86 crore and loss assets are ` 4255.07 crore. An amount of
` 18195.73 crore is provided as per IRDAI guidelines in the books of accounts towards non-performing assets.
The percentage of gross non-performing assets is 6.23% while the net NPA is 1.82%
(` in crore)
Asset Provision
Sub Standard 7828.07 782.81
Doubtful Assets 13157.86 13157.86
Loss assets 4255.07 4255.06
Total 25241.00 18195.73
Standard 380063.80 1616.09
Grand Total 405304.80 19811.82
Investment NPA
A B
Gross 405304.80 25241.00
NPA Provision 18195.73 18195.73
Net position 387109.07 7045.27
Ratio of NPA to Investment
B/A*100
Gross NPA 6.23
Net NPA 1.82
15. The Management has reviewed the asset quality and performance of investments in respect of real estate, loans, investments, other
fixed assets, etc. and adequate provision for impairment/diminution in value of investments/assets have been provided for wherever
necessary.
16. Out of 2048 Branches, 1644 branches representing 80.27% are now totally free of extraneous items in bank reconciliation. Vigorous
efforts are being made by the remaining offices to clear the extraneous items in the reconciliation.
17. The position of reconciliation of our holdings as at 31st March 2018 with that of the custodians is on and the latest position is given
below:
Difference (*)
Amt. in crores % to category investment
Equity Shares 0.35 0.0001
Debentures 5.73 0.002
& Bonds
* The above amount pertains to debentures surrendered to the Company/ Official Liquidator for redemption/ for pending cases with
BIFR/DRT/CDR and equity under legal cases. This difference can be reconciled only when the proceeds are received from the
Company/ Liquidator/ decision received from BIFR/ DRT/CDR.
The total difference is not material. Reconciliation of investments is done on daily basis.
18. Confirmation of balances in some cases in respect of certain loans, advances, agents balances; sundry creditors have not been
received. The Management is of the opinion that the impact on the Accounts on non receipt of confirmation and the resultant
reconciliation thereof is not expected to be material.
19. Other than those parties and transactions which are listed under Note (8) of Schedule 15C (Additional Disclosures), there are no
other related parties and transactions which are required to be disclosed under Related Party Transactions.
257
20. Or.~r.{Z n|eZ {Z{Y {b. Ed§ Or.~r.{Z H$mS>© g{d©goO {b. Ho$ nj ‘§o H«$‘e… ` 849.31 bmI Am¡a ` 492.11 bmI H$s Omo am{e¶m§ àemg{ZH$ à¶moÁ¶
go ì¶¶ H$s J¶r h¡ dh eo¶aYmaH$ {Z{Y¶m| go nyar H$s J¶r h¡&
21. AmH$pñH$ Xo¶VmE§
Mmby df© {nN>bm df©
H$. Ae§V… àXËV {Zdoe ` 20 bmI ` 20 bmI
I. F$Um| Ho$ ê$n ‘| Z ‘mZo JE {ZJ‘ Ho$ {dê$Õ Xmdo, nm°{b{g Xmdm| Ho$ Abmdm ` 1388 bmI ` 10988 bmI
J. gm§{d{YH$ ‘m§Jo/{ddm{XV Xo¶VmE§ {OZH$m àmdYmZ Zht {H$¶m J¶m ` 2305703 bmI ` 1566058 bmI
K. AÝ¶
• ~r_mo§ go g§~§{YV Xmdo§ Omo§ _wH$X_mo§ Ho$ A{YZ h¡ ` 25816 bmI ` 25607 bmI
• _wH$X_m{YZ Xmdo§ Omo ~r_mYmaH$mo§ Ho$ Zhr h¡§ `.3293 bmI ` 16557 bmI
• d{aîR ZmJ{aH$ H$ë`mU {Z{Y H$r ñWmZm§V{aV ` 3524 bmI eyÝ`

22. à~§YZ EVX²Ûmam EH$ {Oå‘oXma A{^H$WZ àñVwV H$aVm h¡ {Og‘| Xem©¶m J¶m h¡ {H$…
H$. [dËVr¶ {ddaU V¡¶ma H$aZo ‘|, bmJy hmoZo dmbo ‘mZH$m|, {gÕm§Vm| Am¡a Zr{V¶m| H$m nmbZ, ‘hËdnyU© {dnWZ, ¶{X H$moB© hmo, go g§~§{YV C{MV
ñnï>rH$aUm| Ho$ gmW ¶Wm g§^d gr‘m VH$ {H$¶m J¶m h¡&
I. à~§YZ Zo boIm§H$Z Zr{V¶m§ AnZmB© h¡ Am¡a CÝh| {Za§Va ê$n go bmJy {H$¶m h¡ VWm Eogo {ZU©¶ Am¡a Am§H$bZ {H$E h¡ Omo VH©$g§JV Am¡a {ddoH$nyU©
h¡ Vm{H$ {dËVr¶ df© Ho$ A§V ‘| {ZJ‘ H$mo H$mamo~ma H$s Am¡a Cg df© Ho$ {bE {ZJ‘ Ho$ àMmbZ bm^ ¶m hm{Z H$s ghr Am¡a C{MV Vñdra àñVwV
H$s Om gHo$&
J. n«~§YZ Zo {ZJ‘ H$s n[ag§npËV¶m| H$s ajm H$aZo Ho$ {bE Am¡a YmoImKS>r VWm AÝ¶ {d{Z¶{‘VVmAm| H$mo amoH$Zo VWm CZH$m nVm bJmZo Ho$ {bE ~r‘m
A{Y{Z¶‘ 1938(1938 H$m 4) O¡gm H$s ~r_m H$mZyZ (g§gmo{YV) A{Y{Z¶‘ 2015 Ho$ Ûmam g§gmoYZ Cn~§Ymo Ho$ AZwgma n¶m©ßV boIm§H$Z [aH$mS>© aIZo Ho$
{bE C{MV Am¡a n¶m©ßV gmdYmZr ~aVr h¡&
K. à~§YZ Zo ¶h {dËVr¶ {ddaU EH$ “Am°ZJmoB§J H§$gZ©” AmYma na V¡¶ma {H$E h¡&
S>. {ZJ‘ {H$gr Q´>ñQ> Ho$ Q´>ñQ>r Ho$ ê$n ‘| H$m¶© Zht H$aVm&
M. n«~§YZ Zo ¶h gw{Z{üV {H$¶m h¡ {H$ g§JR>Z Ho$ AmH$ma Am¡a ì¶dgm¶ Ho$ ñdê$n Ho$ AZwê$n Am§V[aH$ boIm àUmbr ‘m¡OyX h¡. nm°{bgr F$U, Xmdm
g§{dVaUm| AMb n[ag§npËV¶m§, g§nXm à~§YZ Am¡a ¶w{bn à~§YZ O¡go Hw$N> joÌm| ‘| Am§V[aH$ boIm àUmbr H$mo A{YH$ gwÑT> ~Zm¶m Om ahm h¡&
23. Eogo ì¶p³V¶m|, \ ‘m], H§$n{Z¶m| Am¡a g§KQ>Zm| H$mo H$moB© ^wJVmZ Zht {H$E JE h¡ {OZ‘| {ZJ‘ Ho$ {ZXoeH$ ê${M aIVo h¡&
AÜ¶j à~§Y {ZXoeH$

H$m¶©H$mar {ZXoeH$({Zdoe/àMmbZ) n«_wI ({dËV Ed§ boIm)
{Z`wŠV {H$`m J`m ~r_m§H$H²$
258
258
61 st Annual Report
20. Amounts spent for Administrative purposes on behalf of LIC Pension Fund Ltd and LIC Card Services Ltd of `. 849.31 lakhs and `.
492.11 lakhs respectively are being reimbursed by them.
21. Contingent liabilities Current Year Previous Year
a. Partly paid-up investments ` 20 lakhs ` 20 lakhs
b. Claims other than against policies not ` 1388 lakhs ` 10988 lakhs
acknowledged as Debts by Corporation
c. Statutory demands/liabilities in dispute, ` 2305703 lakhs ` 1566058 lakhs

not provided for
d. Others
• Policy related claims under litigation ` 25816 lakhs ` 25607 lakhs
• Claims under litigation other than policyholders ` 3293 lakhs ` 16557 lakhs
• Transfer to Senior Citizen Welfare Fund ` 3524 lakhs Nil
22. The Management hereby gives a responsibility statement indicating that:
a. In the preparation of financial statements, the applicable accounting standards, principles and policies have been followed to
the extent possible along with proper explanations relating to material departures, if any;
b. The management has adopted accounting policies and applied them consistently and made judgments and estimates that are
reasonable and prudent so as to give a true & fair view of the state of affairs of the Corporation at the end of the Financial Year
and of Surplus/ profit or loss of the Corporation for the year.
c. The management has taken proper and sufficient care for the maintenance of adequate accounting records in accordance
with the applicable provisions of the Insurance Act 1938 (4 of 1938) as amended by the Insurance Laws (Amendment) Act
2015, for safeguarding the assets of the Corporation and for preventing and detecting fraud and other irregularities.
d. The Management has prepared the financial statements on a going concern basis.
e. The Corporation does not act as a trustee of any trust.
f. The Management has ensured that an Internal Audit System commensurate with the size of the organization and nature of
business exists. In some areas like policy loan, claim disbursements, fixed assets, estate management and ULIP management
the internal Audit system is being further strengthened.
23. No payments have been made to individuals, firms, companies and organizations in which Directors of the Corporation are interested.
CHAIRMAN MANAGING DIRECTOR
EXECUTIVE DIRECTOR (INVESTMENT/ OPERATIONS) CHIEF (F&A)
APPOINTED ACTUARY
259
ACCOLADES RECEIVED
DURING
2017- 2018
276
Golden Peacock Award 2017
Excellence in Corporate
Governance
PR Prathista Awards 2017

Best Digital Media
Money Today Financial Awards 2018

Life Insurance Provider of the Year
PR Prathista Awards 2017

Social Media
Dun & Bradstreet India’s

Top PSU Awards 2017
Life Insurance
Navbharat CSR Leadership Awards

Best Community services for
Socio economy Security
The IAA Leadership awards
Marketer of the Year -Insurance
India’s No 1 Brand 2017
by IBC Infomedia Corp
Times Network National Awards

for Marketing Excellence Best
Life Insurance Company
SKOCH award 2018 Platinum category

Financial Inclusion
ABP News Brand

Excellence awards 2017
SCOPE Corporate Communication

Excellence Awards 2017
278
Golden peacock award SKOCH award 2018 Platinum category
for National Training 2018 Micro Insurance -for Group Insurance
Aashirwad OLI awards SKOCH Order of Merit -2018

Top 20 Micro Insurance Projects
in India-Group Insurance
Fiji Business Excellence awards 2017 The Marquees awards 2017

Dainik Bhaskar
India Pride awards ABCI Awards 2017
YOGAKSHEMA Bilingual Magazine
ABCI Awards 2017

Web Communications
Online Campaign
ABCI Awards 2017

YOGAKSHEMA Internal Magazine
7th Annual Greentech HR

ABCI Awards 2017 Excellence Platinum Award
Wall Calendar
PITCH TOP 50 BRANDS Indian Insurance Awards 2017 Best Indian Brands 2017
Master Connectors category Agency Leader of the year INTERBRAND
280
cetu³eebkeÀve DeefOeMes<e ceW mejkeÀej kesÀ efnmmes keÀes
meeQHeles ngS DeO³e#e
Chairman handing over Government’s share of
Valuation Surplus
Þeer Jeer.kesÀ. Mecee&, DeO³e#e ceeveveer³e keWÀêer³e efJeÊe ceb$eer SJeb keÀejHeesjsì ceeceueeW kesÀ ceb$eer
Þeer De©Ce pesìueer keÀes ` 2206.70 keÀjesæ[ kesÀ cetu³eebkeÀve DeefOeMes<e keÀe ®eskeÀ
Þeer efMeJe he´leehe MegkeÌuee, jep³e ceb$eer (efJeÊe),
Þeer jepeerJe kegÀceej, meef®eJe (efJeÊeer³e mesJee), Þeerceleer T<ee meebieJeeve, heýebOe efveosMekeÀ,
Þeer nsceble Yeeie&Je, heýebOe efveosMekeÀ, Þeerceleer megveerlee Mecee&, heýebOe efveosMekeÀ,
Þeer Sce Deej kegÀceej, #es$eer³e heýebOekeÀ, GÊej #es$e SJeb
Þeer meleerMe ®evê eEmen, keÀe³e&keÀejer efveosMekeÀ(yees[& meef®eJeeue³e/peer.pes.SHeÀ.) keÀer GheeqmLeefle ceW heóeve keÀjles ngS~
Shri V.K. Sharma, Chairman presenting the valuation surplus cheque of ` 2206.70 Crores to
Shri Arun Jaitley, Hon’ble Union Minister of Finance and Corporate Affairs in the presence of
Shri Shiv Pratap Shukla, Minister of State (Finance),
Shri Rajiv Kumar, Secretary (Financial Service), Smt Usha Sangwan, Managing Director,
Shri Hemant Bhargava, Managing Director, Smt Sunita Sharma, Managing Director,
Shri M.R.Kumar, Zonal Manager, Northern Zone and
Shri Satish Chandra Singh, Executive Director(Board Sectt./GJF)
3
.
^maVr` OrdZ ~r_m {ZJ_, Ho$ÝÐr` H$m`m©b`, ‘`moJjo_’ Or. ~r. _mJ©, _w§~B© - 400 021. H$r Amoa go
lr XodH$r ZÝXZ Omoer, H$m`©H$mar {ZXoeH$ (~moS© g{Mdmb`/Or.Oo.E\ .) Ûmam n«H$m{ímV Am¡a
_wÐH$ {n«ZQ—oS Bí`yO (Am`) n«m. {b., `y{ZQ Z§. 17, n«J{V B§SpñQ—`b BñQoQ,
316, Zm._. Omoer _mJ©, bmoAa naob, _w§~B© - 400 011. Xya^mf … 022 408 32525
Published by Shri Devki Nandan Joshi, Executive Director (Board Sectt/GJF) on behalf of
LIC of India, Central Ofce, ‘Yogakshema’, Jeevan Bima Marg, Mumbai - 400 021, and
Printed by Printrade Issues (I) Pvt. Ltd., Unit No. 17, Pragati Industrial Estate,
316, N. M. Joshi Marg, Lower parel, Mumbai - 400 011. Tel : 022 408 32525 (31 Lines)
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kegÀue 16437.01 13290.39

Hee@efuemeer os³eleeSb 2017-2018 2016-2017

Je<e& keÀer meceeefHle Hej yekeÀe³ee oeJes 2017-2018 2016-2017

ÒeyebOeve J³e³e keÀe kegÀue Òeerefce³ece Dee³e mes DevegHeele

yekeÀe³ee oeJeeW keÀe os³e oeJeeW mes DevegHeele 2.36 1.54

veJe J³eJemee³e 2015-16 mes 2017-18

meejCeer veb 1 S veJe J³eJemee³e (J³eeqkeÌleiele)

meejCeer veb 1 S veJe J³eJemee³e (J³eeqkeÌleiele)(peejer)

veJe J³eJemee³e mecetn yeeRcee (meeceeefpekeÀ megj#ee meefnle)

601 800000 683601

veJe J³eJemee³e (mecetn)

J³eefkeÌleiele yeercee kesÀ Debleie&le kegÀue ®eeuet J³eJemee³e

NumberHee@ofefuemeer ³eeW keÀer mebKin

27.92 28.08 28.24

yeercee Oeve / SHeerS Annual Premium Receivable

meejCeer meb. 3 S ®eeuet J³eJemee³e (J³eeqkeÌleiele)

meejCeer meb. 3 S ®eeuet J³eJemee³e (J³eeqkeÌleiele)(peejer)

®eeuet J³eJemee³e (mecetn)

mecetn ³eespevee meom³e (ueeKeeW ceW)

®eeuet J³eJemee³e (mecetn)

ketÀue 20727155 5328974766823 - 81584946359 276268952211 282351553 49857065519657 - 2085771208707

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