LIC Annual Report 2021 page 1 to 95 Hindi FInal.indd

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ANNUAL REPORT2020-21

th

CHANGEDWORLD,

UNCHANGEDPROMISES

A~ 11-1 'ij;° ti G+ll 2020-2021 MEMBERS OF THE CORPORATION 2020-2021

.,ftc!t~~~~ Shri TC Suseel Kumar

(31.01.2021 ~ (Upto 31.01.2021)

.,ft~qm Shri Debasish Panda

{21.10.2020 ~ (Upto 21.10.2020)

.,ft~~ Shri Siddhartha Mohanty

{02.02.2021 t) (From 02.02.2021)

.,ft~m Shri Rajeev Ranjan

c21.10.2020 m (From 21.10.2020)

.,ft fclfq.:r 3Tf.FG Shri Vipin Anand

.,ft~~

.,ft~.3TR.~, ~81'

Shri M.R. Kumar, Chairperson

.,ft~~ Shri lnjeti Srinivas (04.06.2020~

(Upto 04.06.2020)

~~~ Smt Padmaja Chunduru

.,ft~~ Shri Pankaj Jain c21.10.2020 m

(From 21.10.2020)

.,ft~~~

.,ft~trcflJf Shri Rajesh Verma

(04.06.2020 t 21.10.2020 ncli)

(From 04.06.2020 to 21.10.2020)

.,ft~tr~ Shri Devesh Srivastava

Shri Bimalendu Chakrabarti (28.09.2020~

(Upto 28.09.2020)

Shri Ravindra Nath Chaturvedi (28.09.2020 niP) (Upto 28.09.2020)

.,ft3TR~~ Shri R Chandrasekaran

(28.09.2020 ncli) (Upto 28.09.2020)

.,ft~~ Shri Raj Kumar

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1

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ZmJ[aH$ KmofUm-nÌ

CITIZENS’ CHARTER

OUR VISIONTo transform ourselves into a transnationally competitive financial conglomerate of significance to societies and the Pride of India.

OUR MISSIONTo 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

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1. Am_wI 10

2. {ZJ_ Ed§ g{_{V`m| Ho$ gXñ`, {ZJ_ Ho$ d[að> àemgH$, _w»` ~r_m§H$H$ Ed§ joÌr` gbmhH$ma ~moS©> Ed§ nm°{bgr YmaH$ n[afX Ho$ gXñ` 10

3. Am{W©H$ n[adoe Am¡a OrdZ ~r_m ì`dgm` na g_{ï> Am{W©H$ n[adoe H$m à^md 10

4. H$m`© n[aUm_: 17

1) Zd ì`dgm`: ì`{º$JV ~r_m, gm_mÝ` dm{f©H$s, n|eZ, Zm°Z qbH$ hoëW, `y{ZQ> qbH$ ì`dgm`, g_yh ~r_m ì`dgm`, gm_m{OH$ gwajm `moOZmE§, àW_ ~r_m, J«m_rU ~r_m,

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5. ny§Or _moMZ VWm {Z{üV dm{f©H$s ì`dgm` 18

6. nm°{b{g`m| Ho$ gm§{d{YH$ {ddaU 18

7. g§JR>ZOÝ` T>m§Mm 18

8. OrdZ {Z{Y, A{Yeof VWm àXÎm H$a 18

9. {dnUZ J{V{d{Y`m§: 1) {d{^Þ M¡Zbm| Ûmam {H$`m J`m Zd ì`dgm`: ~¢Ho$í`moaoÝg Ed§ d¡H$pënH$ M¡Zëg, àË`j {dnUZ, 19

ñdmñÏ` ~r_m, gyú_ ~r_m, CËnmX {dH$mg Am¡a d[að> ì`dgm` gh`moJr 2) A{^H$Vm©: A{^H$Vm©Am| H$s g§»`m, A{^H$Vm© Šb~ gXñ`Vm, d¥{ÎmH$ A{^H$Vm©Am| H$s `moOZm, 22

_w»` OrdZ ~r_m gbmhH$ma Ed§ àm{YH¥$V A{^H$Vm© 10. {dXoe àMmbZ: {dXoer emImE§, {dXoer g§`wº$ CnH§$n{Z`m§ Ed§ à{V{Z{Y H$m`m©b`, 23

11. J«mhH$ g§~§Y à~ÝYZ: Xmdm| H$m {Z~Q>mam, àr{_`_ ^wJVmZ Ho$ {bE d¡H$pënH$ _mÜ`_, J«mhH$m| {eH$m`V {ZdmaU 23

12. {ZJ{_V g§àofU 29

13. gyMZm H$m A{YH$ma A{Y{Z`_, 2005 31

14. H$m{_©H$/H$_©Mmar g§~§Y 31

H$_©Mm[a`m| H$s g§»`m, H$_©Mmar g§~§Y, _{hbmAm| H$m ge{º$H$aU, AmajU: amï´>r` Zr{V H$m`m©Ýd`Z, AZwgy{MV Om{V/OZOm{V`m| Ed§ AÝ` {nN>So> dJm] Ho$ {bE AmajU, {Xì`m§JOZ, ^yVnyd© g¡{ZH$, A{^H$Vm©Am| H$mo Amdmgr` F$U, H$m`m©b` godm

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16. à~§Y {dH$mg Ho$ÝÐ 35

17. amO^mfm H$m`m©Ýd`Z 35

18. A{^`m§{ÌH$s H$m`©H$bmn 36

19. g§nXm/gm_[aH$ ì`dgm` BH$mB© - g§nXm 36

20. gyMZm àm¡Úmo{JH$s 36

21. Am§V[aH$ A§Ho$jU 38

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23. Zd ì`dgm` Ed§ nwZ~u_m 39

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5) nm°{bgr YmaH$ n[afX 61

6) OrdZ ~r_m {ZJ_ A{Y{Z`_ Ho$ A§VJ©V {ZX}e 61

7) boIm narjH$ 61

8) Zm{_V {ZXoeH$ 61

27. {d{dY H$m`©H$bmn J{V{d{Y`m§… 63 Eb.AmB©.gr.hmD$qgJ \$mB©ZmÝg {b{_Q>oS>, Eb.AmB©.gr.å`yÀ`wAb \$ÊS> EgoQ> _¡ZoO_|Q> H§$nZr {b., Eb.AmB©.gr.n|eZ \$ÊS> {b{_Q>oS>, EbAmB©gr H$mS©> g{d©gog {b{_Q>oS>, AmB©S>r~rAmB© ~¢H$

28. Am^ma àXe©Z 67

∙ n[aUm_m| H$m gmam§e 68

∙ gmaUr 72

∙ n[a{eï>: I 85 {ZJ_ Ho$ darð> A{YH$mar, joÌr` gbmhH$ma ~moS©> Ed§ nm°{bgrYmaH$ n[afX Ho$ gXñ`JU

∙ n[a{eï>: II gm§{d{YH$ (Ho$ÝÐr`) boIm narjH$ 189

∙ boIm: boIm narjH$m| H$s [anmoQ>© 1 191

∙ OrdZ ì`dgm` :

∙ {dÎmr` {ddaU (IÊS>r`)

â VwbZ-nÌ: ^maV Ed§ ^maV Ho$ ~mha g§~Õ Ed§ Ag§~Õ ì`dgm` go g§~§{YV 204

â amOñd boIm: ^maV Ed§ ^maV Ho$ ~mha g§~Õ Ed§ Ag§~Õ ì`dgm` go g§~§{YV 208 (gh^mJr Ed§ J¡agh^mJr)

â bm^-hm{Z ImVm: ^maV Ed§ ^maV Ho$ ~mha g§~Õ Ed§ Ag§~Õ ì`dgm` go g§~§{YV 244

â AZwgy{M`m§ Omo {dÎmr` {ddaUm| Ho$ A§J^yV h¢ (AZwgy{M`m§ 1 go 15 VH$) 248

â {dÎmr` {ddaUm| H$m gmam§e 358

â AZwnmV 360

â àm{á Ed§ ^wJVmZ boIm (ZH$X àdmh {ddaU) 367

∙ ny§Or _moMZ ({ZYm©[aV g{hV) ~r_m ì`dgm`…

â VwbZ nÌ 370

â amOñd boIm 372

â bm^ hm{Z boIm 374

â AZwgy{M`m§ Omo {dÎmr` {ddaUm| Ho$ A§J^yV h¢ (AZwgy{M`m§ 1 go 4,6,8 Am¡a 1 1 go 14 VH$) 376

â à~§YZ [anmoQ>© 386

4


INDEX Page CORPORATE CHRONICLE 961. PREAMBLE 1012. MEMBERS OF THE CORPORATION, VARIOUS COMMITTEES, SENIOR EXECUTIVES 101

AND APPOINTED ACTUARY, MEMBERS OF ZONAL ADVISORY BOARD AND POLICYHOLDER’S COUNCIL

3. ECONOMIC SCENARIO AND IMPACT OF MACRO ECONOMIC 101 ENVIRONMENT ON LIFE INSURANCE BUSINESS4. WORKING RESULTS 108 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 1096. STATUTORY STATEMENTS REGARDING POLICIES 1097. ORGANISATIONAL SET UP 1098. LIFE FUND, SURPLUS AND TAXES PAID 1099. MARKETING ACTIVITIES 1) New Business procured during 2020-21 Channel wise, Bancassurance & Alternate Channels, 110 Direct Marketing, Health Insurance, Micro Insurance, Product Development, and SBA. 2) AGENTS : Agency Strength, Agent’s Club Membership, Career Agents Scheme 113 Chief Life Insurance Advisor Scheme and Authorised Agents10. OVERSEAS OPERATIONS – Foreign Branches, Foreign Joint Venture Companies and Foreign

Wholly Owned Subsidiary 11411. CUSTOMER RELATIONSHIP MANAGEMENT 115 SettlementofClaims,AlternateChannelsofPremiumPayments,OfflinePaymentChannels, Online Payment Channels and Customer’s Grievances Redressal12. CORPORATE COMMUNICATION 12113. RIGHT TO INFORMATION ACT, 2005 12214. PERSONNEL & EMPLOYEE RELATIONS 123 StaffStrength,EmployeeRelations,EmpowermentofWomen,ReservationandNationalPolicy

Implementation-HousingLoantoAgents,OfficeServices15. HUMAN RESOURCES DEVELOPMENT AND TRAINING ACTIVITIES- Sports, Library 12516. MANAGEMENT DEVELOPMENT CENTRE 127 17. OFFICIAL LANGUAGE IMPLEMENTATION 127 18. ENGINEERING ACTIVITIES 12819. STRATEGIC BUSINESS UNIT - ESTATES 12820. INFORMATION TECHNOLOGY 12821. INTERNAL AUDIT 13022. INSPECTION 13023. NEW BUSINESS AND REINSURANCE 13124. VIGILANCE 132

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25 CORPORATE SOCIAL RESPONSIBILITY 133 Investment in social sector and Golden Jubilee Foundation26. CORPORATE GOVERNANCE 1) DISCLOSURESOFBOARDGOVERNANCESTRUCTURE 134 2) BOARDMEETINGS 153 3) CENTRALMANAGEMENTCOMMITTEE 154 4) ZONALADVISORYBOARD(ZAB) 154 5) POLICYHOLDERS’COUNCIL(PHC) 154 6) DIRECTIONUNDERLICACT 154 7) AUDITORS 154 8) NOMINEEDIRECTORS 15427. DIVERSIFIED ACTIVITIES 156 LIC Housing Finance Ltd., LIC Mutual Fund Asset Management Company Ltd., LIC Pension Fund Ltd. LIC Cards Services Ltd. And IDBI Bank28. ACKNOWLEDGEMENT 161 • SUMMARISED RESULTS 162 • TABLES 166 • APPENDIX - I 179 SeniorExecutivesandAppointedActuary, Members of Zonal Advisory Boards and Policyholders’ Council. • APPENDIX - II 189 Statutory (Central) Auditors • ACCOUNTS: Auditor’s Report 191 • LIFE BUSINESS • Financial Statement (Segmental)

â Balance Sheet: Non Linked and Linked in respect of Business in India and Out of India. 204

â Revenue Account: Non Linked and Linked in respect of Business in India and Out of India 208 (Participating and Non Participating)

â Profit and Loss Account: Non Linked and Linked in respect of Business in India and Out of India 244

â SchedulesformingapartoftheFinancialStatements(Schedule1to15) 248

â SummaryofFinancialStatements 358

â Ratios 360

â Receipt and Payment Account (Cash Flow Statement) 367 • CAPITAL REDEMPTION (INCLUDING ANNUITY CERTAIN) INSURANCE BUSINESS

â Balance Sheet 370

â Revenue Account 372

â Profit&LossAccount 374

â Schedules forming part of the Financial Statements (Schedules 1 to 4, 6, 8 & 11 to 13) 376

â Management Report 386

6


{ZJ{_V B{Vd¥Îm

1956 ∙ 245 H§$n{Z`m| H$m amï´>r`H$aU ^maVr` OrdZ ~r_m {ZJ_, 1 {gV§~a H$mo ApñVËd _| Am`m&

∙ {\$Or Am¡a _m°areg _| {dXoer emImE§ àmaå^&

1957 ∙ g_yh ~r_m `moOZm Ho$ A§VJ©V nhbr _mñQ>a nm°{bgr EbAmB©gr Ho$ _w§~B© H$m`m©b` Ûmam Omar H$s JB© Wr, {Og_| 122 H$_©Mmar VWm ` 1,82,000/- H$s Hw$b ~r_m am{e em{_b Wr&

∙ ` 3.5 bmI Ho$ EH$b àr{_`_ Ho$ gmW Hw$b ` 12.5 bmI Ho$ {bE 11 H$_©Mm[a`m| H$mo H$da H$aZo dmbr nhbr n|eZ nm°{bgr `moOZm Omar H$s JB© Wr& ∙ "`moJjo_'H$m°nm}aoQ> n{ÌH$m _B© _| EH$ Ì¡_m{gH$ n{ÌH$m Ho$ ê$n _| ewê$ hþB©& ∙ doVZ ~MV `moOZm _mÜ`_ ewê$ {H$`m J`m {Oggo bmIm| H$_©Mmar EbAmB©gr nm°{bgr boZo _| gj_&

1958 ∙ EbAmB©gr H$s nhbr {Zdoe Zr{V 25 AJñV H$mo g§gX Ho$ nQ>b na aIr JB©&

∙ àW_ ~r_m J«m_ - A_amdVr {µObo _| VbZr nyUm© J«m_ H$mo Kmo{fV {H$`m J`m&

1959 ∙ X{jUr joÌr` H$m`m©b` Ho$ Amdmg Ho$ {bE EH$ 14 _§{µObm ñH$mB© ñH«¡$na ^dZ H$m {Z_m©U {H$`m J`m&

1960 ∙ ZmJnwa _| 16 _B© H$mo A{YH$mar à{ejU H$m°boO H$s ñWmnZm H$s JB©& ∙ `y.Ho$. _| {dXoer emIm Amaå^ H$s JB© &

1961 ∙ amohVH$ {µObo _| 15 AJñV H$mo Am°Z X ñnm°Q> nm°{b{g`m| Ho$ {bE àW_ {e{da H$m Am`moOZ {H$`m J`m&∙ A{YH$mar dJ© H$s àË`j ^Vu H$m nhbm ~¡M {ZJ_ _| em{_b &

1962 ∙ S>mH$Kam| Ho$ _mÜ`_ go àr{_`_ g§J«h H$s nm`bQ> `moOZm H$m CXKmQ>Z 25 _mM©, 1962 H$mo J«m_ M§XbmB© _| {H$`m J`m&

1963 ∙ EbAmB©gr Zo H¡$boÊS>a df© go {dÎmr` df© _| H$m`© H$aZo Ho$ n[adV©Z H$mo AnZm`m&∙ ^maVr` OrdZ ~r_m {ZJ_ Ho$ H$m°nm}aoQ> H$m`m©b` "`moJjo_' EH$ ñWmnË` ñWb {MÌ H$m {ebmÝ`mg VËH$mbrZ àYmZ_§Ìr n§{S>V Odmhabmb Zohê$ Zo 26 {Xg§~a H$mo {H$`m& ∙ _w§~B© Am¡a H$mobH$mVm H$m`m©b`m| _| nhbo H§$ß`yQ>a ñWm{nV {H$E JE&

1964 ∙ AnZm Ka ~ZmE§ (AmodmB©EM) `moOZm ewê$ H$s JB©&∙ ^maVr` OrdZ ~r_m {ZJ_ H$s J¥h n{ÌH$m '`moJjo_' H$mo 1 {gV§~a H$mo ^maV Ho$ Cnamï´>n{V S>m°. Om{H$a hþg¡Z Ûmam Zm¡d| amÁ` nwañH$ma g_mamoh _| àW_

nwañH$ma go gå_m{ZV {H$`m &

∙ ^maVr` OrdZ ~r_m {ZJ_ Zo gm_mÝ` ~r_m ì`dgm` ewé {H$`m &

1965 ∙ àËòH$ _§S>b _| nm°{bgr YmaH$ n[afX H$s ñWmnZm H$s JB©&∙ Iob Ho$ {bE H|$Ðr` g_Ýd` g{_{V H$m JR>Z {H$`m J`m Wm&

1967 ∙ _w§~B© _| AmB©~rE_ 1401/1410 H§$ß`yQ>a ñWm{nV {H$E JE& B©S>rnr {d^mJ Zo H$m_ H$aZm ewê$ H$a {X`m&

1969 ∙ A{YH$mar à{ejU H$m°boO H$mo ZmJnwa go ~moardbr, _w§~B© _| ñWmZm§V[aV H$a {X`m J`m&

1970 ∙ ^maVr` OrdZ ~r_m H$mo Xem©Zo dmbo ñ_maH$ {Q>H$Q> Am¡a nmoñQ> H$mS©> ^maVr` S>mH$ Am¡a Q>obrJ«m\$ Ho$ _mÜ`_ go Omar {H$ò JE& 1870-1970 (^maV _| OrdZ ~r_m H$s EH$ gXr)

1971 ∙ A{^H$Vm© Šb~ H$s AdYmaUm 1971 _| Amaå^ H$s JB©&

1972 ∙ nhbr H¡$[aà EO|Q>m| H$s emImE§ 1972 _| ñWm{nV H$s JB©&∙ ^maVr` OrdZ ~r_m {ZJ_ A{^H$Vm© {d{Z`_ V¡`ma {H$E JE h¢&∙ nwZJ©R>Z Zr{V 1971 go 1978 H$s Ad{Y _| bmJy H$s JB© Wr&

àmo. B©œaX`mb, EH$ à~§YZ gbmhH$ma, H$mo g§MmbZ Ho$ nwZJ©R>Z Ho$ {bE bJm`m J`m Ohm§ emImE§ àmW{_H$ godm H|$Ð ~Z JBª, Omo dhm§ CËnÞ hmoZo dmbo g^r H$m`m] Ho$ 80% H$mo {ZnQ>mZo _| gj_ Wr&

∙ H¡$[aà EO|gr `moOZm ApñVËd _| AmB©&∙ EO|Q> Šb~m| Ho$ Mma ñVa - AÜ`j, joÌr` à~§YH$, _§S>b à~§YH$ Am¡a emIm à~§YH$ Ho$ Šb~ EO|gr ~b H$mo noeoda ~ZmZo Ho$ {bE J{R>V {H$E JE&

1974 ∙ V{_bZmSw> amÁ` gaH$ma Am¡a AY©-gaH$mar g§ñWmZm| Ho$ 4.18 bmI H$_©Mm[a`m| H$mo H$da H$aVo hþE ` 209 H$amo‹S> H$s ~r_m am{e Ho$ {bE g~go ~‹S>r g_yh ~r_m _mñQ>a nm°{bgr _w»`_§Ìr S>m° E_ H$éUm{Z{Y H$mo VËH$mbrZ AÜ`j lr Ho$.Ama. nwar Ûmam 30 {Xg§~a H$mo àXmZ H$s JB©&

1978 ∙ g§`wº$ CÚ_ H¡$Z B§{S>`m Eí`moa|g H§$nZr {b{_Q>oS> H$m Amaå^&∙ {dH$mg A{YH$m[a`m| hoVw àmoËgmhZ ~moZg `moOZm ApñVËd _| AmB©&

1979 ∙ J«m_rU H¡$[aà EO|gr `moOZm Am¡a ehar H¡$[aà EO|gr `moOZm AbJ go ApñVËd _| AmB©&1980 ∙ {dH$mg A{YH$m[a`m| H$s grYr ^Vu àmaå^&

∙ gmYmaU ~r_m H$ånZr Am¡a BgH$s ghm`H$ H§$n{Z`m| Ho$ gmW g§`wº$ ê$n go àm`mo{OV amï´>r` ~r_m AH$mX_r (EZAmB©E) H$s ñWmnZm H$s JB©&

7

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1981 ∙ OZ ajm nm°{bgr J«m_rU OZVm H$s Amdí`H$VmAm| H$mo nyam H$aZo Ho$ {bE ewê$ H$s JB©&∙ _mBH«$moàmogogam| H$s ñWmnZm nhbr ~ma AŠQy>~a _| ewê$ H$s JB© Wr&∙ Iob H$moQ>o Ho$ VhV ^Vu ewê$&

1982 ∙ B©grAmÈb-2958 _oZ\«o$_ _w§~B© _| ñWm{nV&1986 ∙ 30dt df©Jm§R> Ho$ Adga na ñ_maH$ Mm§Xr H$m {g¸$m Omar {H$`m J`m&

1987 ∙ ^y{_hrZ H¥${f l{_H$ g_yh ~r_m (LAGLI) AJñV _| ewê$ {H$`m J`m&

∙ EbAmB©gr Ho$ à{V{ð>V OrdZ ^maVr ^dZ H$m CXKmQ>Z 25 Zd§~a H$mo VËH$mbrZ H|$Ðr` {dÎm Am¡a dm{UÁ` _§Ìr lr EZ.S>r. {Vdmar Zo {H$`m&1988 ∙ _mZd g§gmYZ {dH$mg (EMAmaS>r) Zr{V àñVwV H$s JB©&

∙ ` 100 H$amo‹S> H$s am{e Ho$ gmW EH$ gm_m{OH$ gwajm H$mof ^maV gaH$ma Ûmam ^maV Ho$ g_mO Ho$ H$_Omoa dJm] H$mo H$da H$aZo hoVw ñWm{nV {H$`m J`m&1989 ∙ ^maVr` OrdZ ~r_m {ZJ_ EH$ {dÎmr` g_yh _| ~Xb J`m&

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2000 ∙ 1 OZdar H$mo 'aUZr{VH$ n[adV©Z H$s à{H«$`m' na ^maVr` OrdZ ~r_m {ZJ_ H$mo gbmh XoZo Ho$ {bE {dÎmr` godmAm| na à{gÕ A§Vaamï´>r` gbmhH$ma _¡gg© ~yO EbZ E§S> h¡{_ëQ>Z H$mo {Z`wº$ {H$`m h¡&

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2002 ∙ EbAmB©gr Ho$ nhbo gyMZm H|$Ð H$m _w§~B© _| CXKmQ>Z {H$`m J`m& Xoe â _| 8 ñWmZm| na H$m°b g|Q>a ñWm{nV {H$E JE h¢& `y{Z\$mBS> EŠgog Z§~a 1251 Ho$ _mÜ`_ go gwb^ AmB©drAmaEg H$mo 12 Aà¡b H$mo H$m°b g|Q>am| Ho$ gmW EH$sH¥$V {H$`m J`m Wm&

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2003 ∙ EbAmB©gr (b§H$m) {b{_Q>oS> H$m CÓmQ>Z 1 _mM© H$mo EbAmB©gr Am¡a lrb§H$m Ho$ ~mQ>©boQ> g_yh Ho$ ~rM EH$ g§`wº$ CÚ_ Ho$ ê$n _| hþAm&∙ ~r_m ñHy$b H$s AdYmaUm àñVwV H$s JB©&∙ nwUo _§S>b Ho$ A§VJ©V amOJwéZJa 8 _mM© H$mo nhbr _{hbm ~r_m J«m_ ~Zr&∙ d[að> n|eZ ~r_m `moOZm 14 OwbmB© H$mo ewê$ H$s JB©&∙ 20 {Xg§~a H$mo H$m°nm}aoeZ ~¢H$ Ho$ gh`moJ go EQ>rE_ Ho$ _mÜ`_ go ^maVr` OrdZ ~r_m {ZJ_ H$s nhbr àr{_`_ wJVmZ gw{dYm H$m CXKmQ>Z {H$`m J`m&

8


2004 ∙ B©grEg Am¡a {H$`moñH$ Ho$ _mÜ`_ go àr{_`_ ^wJVmZ ewê$&∙ EgE_Eg godm nhb ewê$ H$s JB©&∙ gD$Xr Aa~ _| 20 {Xg§~a H$mo EH$ g§`wº$ ñQ>m°H$ H§$nZr H$s ñWmnZm Ho$ {bE g_Pm¡Vm kmnZ na hñVmja {H$E JE& (EgAmB©grgrAmB©)∙ {dÚmZoQ> (EO|Q>m| Ho$ {bE EH$ Am°ZbmBZ à{ejU nmoQ>©b) àmaå^ {H$`m J`m&

2005 ∙ ^maVr` OrdZ ~r_m {ZJ_ Ho$ nhbo g¡Q>obmBQ> g§nH©$ H$m`m©b` ({Ogo ~mX _| g¡Q>obmBQ> H$m`m©b` H$m Zm_ {X`m J`m) H$m CXKmQ>Z 2 {gV§~a H$mo amO|Ð ZJa, ZB© {X„r ({X„r _.H$m. -1), CÎma joÌ _| hþAm&

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2009 ∙ àr{_`_ ^wJVmZ Ho$ d¡H$pënH$ M¡Zb ewê$ {H$E JE&∙ OmopI_ à~§YZ {d^mJ H$s ñWmnZm∙ gå~§Y ZdrZrH$aU, ghm`Vm So>ñH$, {deof gr.Ama.B©., ghm`Vm nwpñVH$m O¡gr ZB© J«m.g§.à. nhb ewê$ hþB© &∙ EbAmB©gr Zo H«o${S>Q> H$mS©> 'EbAmB©gr H$mS©>' àmaå^ {H$`m&

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2020 EH$ Eogm df© gm{~V hþAm {Og_| H$mo{dS>-19 _hm_mar Ho$ H$maU H$‹S>o Am¡a g§nyU© bm°H$S>mCZ Ho$ bmJy hmoZo Ho$ H$maU g~ Hw$N> ~Xb J`m& df© Ho$ A§V VH$, H$mo{dS>-19 Zo Am{YH$m[aH$ Vm¡a na 81 {_{b`Z bmoJm| H$mo g§H«${_V {H$`m Am¡a g§^dV… 500 {_{b`Z go A{YH$ bmoJm| _| H$mo{dS> H$m {ZXmZ hr Zht hmo nm`m& `h 1.8 {_{b`Z XO© H$s JB© _m¡Vm| H$m H$maU ~Zm, H$B© Am¡a g¡H$‹S>m| hOmam| _¥VH$m| H$s g§»`m Vmo XO© hr Zht hmo nm`r& df© 2021 H$s ewéAmV Xþ{Z`mâ Ho$ Xoem| Ûmam Q>rH$mH$aU A{^`mZ MbmZo Ho$ gmW hþB© h¡ & 3 OZdar, 2021 H$mo, ^maV Zo Am¡nMm[aH$ ê$n go Xmo Q>rH$m| Ho$ AmnmVH$mbrZ Cn`moJ H$s ñdrH¥${V Xr Am¡a 16 OZdar H$mo ~‹S>r g§»`m _| Q>rH$m bJmZo H$s `moOZm Ho$ gmW Xþ{Z`m H$m g~go ~‹S>m Q>rH$mH$aU A{^`mZ ewê$ {H$`m J`m & Bg {Za§Va _hm_mar Ho$ Xm¡amZ ^maVr` ny§Or ~mOma Amü`©OZH$ ê$n go ~ohX bMrbm ahm h¡&

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07.01.2021 H$mo Omar gaH$ma Ho$ nhbo A{J«_ AZw_mZm| Ho$ AZwgma, ^maV H$mo Mmby {dÎm df© _| 7.7 à{VeV H$m nhbm dmñV{dH$ gH$b Kaoby CËnmX g§Hw$MZ XoIZo H$m AZw_mZ h¡& A§Vam©ï´>r` _wÐm H$mof (AmB©E_E\$), hmbm§{H$, EH$ gH$mamË_H$ ZmoQ> na H$hVm h¡ {H$ Cgo Cå_rX h¡ {H$ ^maV, {dÎmr` df© 2021-22 _| 7.4 à{VeV H$s Xa go AnZr nyd©-H$mo{dS> nyd©-_§Xr àjondH«$ H$mo {\$a go ewê$ H$aoJm& ^maVr` [aOd© ~¢H$ Zo 2021-22 _| dmñV{dH$ gH$b Kaoby CËnmX _| 9.5 à{VeV H$s d¥{Õ H$m nydm©Zw_mZ bJm`m h¡, O~{H$ Am{W©H$ gd}jU 2020-21 _| 2021-22 _| dmñV{dH$ gH$b Kaoby CËnmX _| 11 à{VeV H$s d¥{Õ H$m AZw_mZ bJm`m J`m h¡&

H$) gH$b Kaoby CËnmX (OrS>rnr):

2011-12 H$s pñWa H$s_Vm| na gH$b Kaoby CËnmX, df© 2020-21 _| é 134.40 bmI H$amo‹S> Ho$ ñVa VH$ nhþ§MZo H$s g§^mdZm h¡, O~{H$ df© 2019-20 _| gH$b Kaoby CËnmX H$m àma§{^H$ AZ§{V_ AZw_mZ é 145.66 bmI H$amo‹S> Wm& df© 2020-21 Ho$ Xm¡amZ (-) 7.7 à{VeV H$s dmñV{dH$ ê$n go gH$b Kaoby CËnmX _| {JamdQ> Ho$ g§Ho$V h¢, O~{H$ {nN>bo df© _| 4.2 à{VeV H$s d¥{Õ Xa XO© H$s JB© Wr&

dV©_mZ H$s_Vm| na, df© 2020-21 Ho$ {bE gH$b Kaoby CËnmX é 194.82 bmI H$amo‹S> Ho$ ñVa VH$ nhþ§MZo H$s g§^mdZm h¡, O~{H$ df© 2019-20 Ho$ {bE gH$b Kaoby CËnmX H$m AZ§{V_ AZw_mZ é 203.40 bmI H$amo‹S> Wm&

11

64dm{f©H [anmoQ©

dt

gH$b Kaoby CËnmX _| d¥{Õ (2011-12 H$s pñWa H$s_Vm| na) (à{VeV _|):

df© % d¥{Õ

2016-17(3RD AmaB©) 8.3

2017-18 (2nd AmaB©) 7.0

2018-19 (1st AmaB©) 6.1

2019-20 (nrB©) 4.2

2020-21(1st EB©) (-) 7.7

AmaB©(RE)- g§emo{YV AZw_mZ; nrB©(PE)- AZ§{V_ AZw_mZ; EB©(AE)- A{J«_ AZw_mZ

~r) gH$b Kaoby ~MV (OrS>rEg) Am¡a Kaoby ~MV:

2018-19 _| _m¡OyXm H$s_Vm| na gH$b Kaoby ~MV `57,76,960 H$amo‹S> (Xÿgam g§emo{YV AZw_mZ) Wr& 2019-20 Ho$ {bE OrS>rEg ` 63,85,981 H$amo‹S> (nhbm g§emo{YV AZw_mZ) hmoZo H$m AZw_mZ h¡&

gH$b Kaoby CËnmX Ho$ à{VeV Ho$ ê$n _| joÌdma Kaoby ~MV

df© Kaoby joÌ gH$b Kaoby ~MV

2019-20@ 19.61% 31.38%

2018-19# 19.31% 30.59%

2017-18* 19.29% 32.10%

2016-17 18.11% 31.35%

@ nhbm g§emo{YV AZw_mZ, #-Xÿgam g§emo{YV AZw_mZ, *-Vrgam g§emo{YV AZw_mZ

J) {dÎmr` pñW{V

gH$b Kaoby CËnmX Ho$ à{VeV Ho$ ê$n _| amOH$mofr` KmQ>m ZrMo Vm{bH$m _| {X`m J`m h¡: -

df© H|$Ð Am¡a amÁ` (g§`wº$) Ho$db H|$Ð

2020-21 (~rB©) 6.3 3.5

2019-20 6.9 (AmaB©) 4.6 (nrE)

2018-19 5.8 3.4

2017-18 5.8 3.5

2016-17 6.9 3.5

~rB©-(BE) ~OQ> AZw_mZ ; AmaB© (RE) - g§emo{YV AZw_mZ; nrE (PA)- AZ§{V_ dmñV{dH$

grYo N>h _hrZm| Ho$ {bE ` 1 bmI H$amo‹S> go A{YH$ g§J«h hmoZo Ho$ ~mdOyX, {dÎmr` df© 2020-21 _| Hw$b OrEgQ>r g§J«h 7% KQ>H$a bJ^J ` 11.37 bmI H$amo‹S> hmo J`m, O~{H$ {dÎmr` df© 2019-20 _| `h ` 12.22 bmI H$amo‹S> Wm& _mM© 2021 Ho$ _hrZo _| OwQ>m`m J`m gH$b OrEgQ>r amOñd ` 1,23,902 H$amo‹S> Ho$ [aH$m°S©> na Wm, Omo ^maVr` AW©ì`dñWm _| nwZéÕma Ho$ g§Ho$Vm| H$s Amoa Bemam H$aVm h¡& àË`j H$a g§J«h Ho$ AZ§{V_ Am§H$‹S>o {dÎmr` df© 2020-21 Ho$ {bE ` 9.45bmI H$amo‹S> Ho$ {dÎmr` df© 2019-20 H$s VwbZm _| bJ^J 5% H$s d¥{Õ {XImB©& {dÎmr` df© 2020-21 Ho$ {bE A{J«_ H$a g§J«h `4.95 bmI H$amo‹S> Wm, Omo {nN>bo {dÎmr` df© H$s VwbZm _| bJ^J 6.7% H$s d¥{Õ àX{e©V H$aVm h¡ &

12


H|$Ðr` ~OQ> 2021-22 Ho$ AZwgma, amOñd KmQ>m gH$b Kaoby CËnmX Ho$ 5.1%na b{jV h¡, Am¡a amOH$mofr` KmQ>m 2021-22 _| gH$b Kaoby CËnmX Ho$ 6.8% na b{jV h¡& àmW{_H$ KmQ>m bú` (Omo ã`mO ^wJVmZ H$mo N>mo‹S>H$a amOH$mofr` KmQ>m h¡) gH$b Kaoby CËnmX H$m 3.1% h¡& 2021-22 _|, g§emo{YV AZw_mZm| Ho$ AZwgma, amOñd KmQ>m gH$b Kaoby CËnmX H$m 7.5% h¡, Am¡a amOH$mofr` KmQ>m gH$b Kaoby CËnmX H$m 9.5% h¡, Omo _w»` ê$n go AW©ì`dñWm na H$mo{dS>-19 _hm_mar Ho$ à^md Ho$ H$maU h¡, {OgHo$ n[aUm_ñdê$n A{YH$ gaH$mar IM© Am¡a H$_ (H$a Am¡a J¡a-H$a) àm{á`m§ hþ`r h¡&

K) _m¡{ÐH$ pñW{V`m§

{dÎmr` df© 2020-21 Xm¡amZ, ^maVr` [aµOd© ~¢H$ Zo EH$ 'CXma' _m¡{ÐH$ Zr{V H$m éI AnZm`m h¡, {Og_| _mM© 2020 go aonmo Xa Am¡a [adg© aonmo _| H«$_e… 115 ~rnrEg Am¡a 155 ~rnrEg H$s H$Q>m¡Vr H$s JB© Wr& [aOd© ~¢H$ Zo {dÎmr` df© 2020-21 _| àUmbrJV VabVm ~ZmE aIZo Ho$ {bE Iwbo ~mOma H$m g§MmbZ Am¡a b{jV XrK©H$m{bH$ aonmo g§MmbZ O¡go {d{^Þ nma§n[aH$ Am¡a Ana§namJV Cnm` Mbm`o& g|Q´>b ~¢H$ Zo _hm_mar _| Am{W©H$ à^md H$m _wH$m~bm H$aZo Ho$ {bE Am¡a Cnm`m| H$s ^r KmofUm H$s {Og_| ` 50,000 H$amo‹S> (A_o[aH$s Aa~ $ 7.0) Am¡a Zm~mS©>, {g‹S>~r, EpŠO_ Ed§ EZEM~r H$mo ` 75,000 H$amo‹S> H$s nwZ{d©Îm gw{dYm em{_b h¡&

g|Q´>b ~¢H$ Ûmam ~¢H$ Xa Am¡a gr_m§V ñWm`r gw{dYm (MSF) Xam| H$mo 4.65%go KQ>mH$a 4.25% H$a {X`m J`m& VoOr go \¡$b aho H$moamoZmdm`ag _hm_mar _| Am{W©H$ {JamdQ> H$m _wH$m~bm H$aZo Ho$ {bE AmnmVH$mbrZ Cnm`m| Ho$ ê$n _| nm°{bgr aonmo Xa H$mo ^r 40 ~rnrEg go 4% Am¡a [adg© aonmo Xa H$mo 40 ~rnrEg go KQ>mH$a 3.35%H$a {X`m J`m Wm& {dÎmr` df© 2020-21 H$s ewéAmV _| d¡Ym{ZH$ VabVm AZwnmV (EgEbAma) H$mo 18.25% go KQ>mH$a 18% H$a {X`m J`m Wm Am¡a V~ go Bgo pñWa aIm J`m h¡&

Xoe _| _hm_mar H$s pñW{V go {ZnQ>Zo Ho$ {bE, ^maV gaH$ma Zo ImÚ gwajm, ñdmñÏ` XoI^mb Ho$ {bE Ed§ amÁ`m| Ho$ {bE A{V[aº$ YZ CnbãY H$amZm, H$a H$s g_` gr_m ~‹T>mZm, bJ^J ` 29.87 bmI H$amo‹S> (A_o[aH$s $ 420 Aa~) Ho$ Am{W©H$ àmoËgmhZ n¡Ho$O bmZm, AdgadmXr A{YJ«hU/A{YJ«hU na A§Hw$e bJmZo Ho$ {bE ^maV H$s àË`j {dXoer {Zdoe Zr{V _| ~Xbmd H$aZm, Am{X H$B© H$X_ CR>mE&

B©) _wÐmñ\$s{V

ApIb ^maVr` Cn^moº$m _yë` _wÐmñ\$s{V (gm_mÝ`) _| df©-Xa-df© n[adV©Z {dÎmr` df© 2020-21 _| 5.52% Wm, O~{H$ {nN>bo df© `h 4.8% Wm& ImÚ Am¡a no` nXmW© _wÐmñ\$s{V Xa _| d¥{Õ, V§~mHy$ Am¡a Zerbo nXmWm] H$s _wÐmñ\$s{V Xa Am¡a BªYZ Am¡a àH$me _wÐmñ\$s{V Xa H$m `moJXmZ, df©-Xa-df© d¥{Õ Xa Ho$ AmYma na, {nN>bo df© H$s VwbZm _| Cn^moº$m _yë` gyMH$m§H$ (grnrAmB©) Ho$ d¥{Õ _| à_wI ahm& {dÎmr` df© 2020-21 Ho$ A§V VH$ J«m_rU _wÐmñ\$s{V Xa 4.61 à{VeV Am¡a ehar _wÐmñ\$s{V Xa 6.52 à{VeV ahm&

ApIb ^maVr` Cn^moº$m _yë` _wÐmñ\$s{V df©-Xa-df© (%)

Mar2020

0.00

1.00

2.00

3.00

4.00

5.00

6.00

7.00

8.00

9.00

Apr May Jun Jul Aug Sep

MonthsFood General

Ra

te o

f In

fla

tio

n

Oct Nov Dec Jan2021

Feb Mar

13

64dm{f©H [anmoQ©

dt

WmoH$ _yë` gyMH$m§H$ (S>~ë`wnrAm`) Ho$ {bE _wÐmñ\$s{V H$m dm{f©H$ Xa _mM©, 2021 Ho$ _mh Ho$ {bE 7.39% (AZ§{V_) ahm, O~{H$ _mM© 2020 _| `h 1.00% Wm& _mM© 2020 H$s VwbZm _|, H$ƒo noQ´>mo{b`_, noQ´>mob Am¡a S>rOb O¡go I{ZO Vobm| H$s H$s_Vm| _| d¥{Õ Am¡a {d{Z{_©V CËnmXm| H$s H$s_Vm| _| d¥{Õ Zo S>~ë`wnrAm` Ho$ {bE df©-Xa-df© _wÐmñ\$s{V H$s d¥{Õ _| à_wI `moJXmZ {X`m&

M) ì`mnma Am¡a {dXoer _wÐm

9.98 Aa~ A_o[aH$s S>m°ba Ho$ ì`mnma KmQ>o H$s VwbZm _|, _mM© 2021 _| ^maV, 14.11 Aa~ A_arH$s S>mba Ho$ ì`mnma KmQ>o Ho$ gmW ewÕ Am`mVH$ Wm, Omo {H$ KmQ>o Ho$ {~J‹S>Zo H$s pñW{V H$mo Xem©Vm h¡& {dÎmr` df© 2020-21 _| ^maV H$m Hw$b {Z`m©V 290.18 Aa~ A_arH$s S>mba Wm, O~{H$ {nN>bo df© H$s g_mZ Ad{Y Ho$ Xm¡amZ `h 313.36 Aa~ A_arH$s S>mba Wm, Omo 7.40% H$s ZH$mamË_H$ d¥{Õ Xem©Vm h¡& ^maV H$m Hw$b Am`mV 388.92 Aa~ A_arH$s S>m°ba Wm, O~{H$ {nN>bo df© Bgr Ad{Y Ho$ Xm¡amZ `h 474.71 Aa~ A_arH$s S>m°ba Wm, Omo 18.07% H$s ZH$mamË_H$ d¥{Õ Xem©Vm h¡ &

{dÎmr` df© 2020-21 Ho$ {bE Hw$b àË`j {dXoer {Zdoe (E\$S>rAm`) àdmh 81.72 Aa~ A_o[aH$s S>m°ba Wm& {ZJ{_V {ZH$m`m| _| B{¹$Q>r _| ^maV Ho$ E\$S>rAmB© Ho$ gmW 59.64 Aa~ A_o[aH$s S>m°ba Wm (2019-20 H$s VwbZm _| 19% go A{YH$ H$s d¥{Õ)& {dÎmr` df© 2020-21 _| ^r ^maVr` B{¹$Q>r ~mOmam| _| _O~yV {dXoer nmoQ>©\$mo{b`mo {Zdoe (FPI) H$m ` 2,74,034 H$amo‹S> H$m àdmh XoIm J`m, Omo H$s 2019-20 _| `1,36,835 H$amo‹S> Wm, `h {dXoer {ZdoeH$m| Ho$ ^maVr` AW©ì`dñWm Ho$ _yb {gÕm§Vm| _| Ñ‹T> {dœmg H$mo Xem©Vm h¡ &

{nN>bo df© Ho$ `35,57,630 H$amo‹S> (US$475.56Aa~) H$s VwbZm _| Xoe H$m {dXoer _wÐm ^§S>ma 26 _mM©, 2021 H$mo ~‹T>H$a ` 42,00,668 H$amo‹S> (US$579.29Aa~) hmo J`m& ^maVr` _wÐm _| d¥{Õ H$m EH$ à_wI H$maU {dXoer _wÐm ^§S>ma {dXoer nmoQ>©\$mo{b`mo {ZdoeH$m| (E\$nrAm`) Ûmam ^maVr` eo`a ~mOma _| {Zdoe Am¡a E\$S>rAm` h¡ &

N>) B{¹$Q>r Am¡a F$U ~mOma

Ama~rAmB© H$s dm{f©H$ [anmoQ>© 20-21 Ho$ AZwgma, H|$Ðr` ~¢H$ Ed§ ^maV gaH$ma Ûmam ~‹S>o n¡_mZo na amOH$mofr` Am¡a _m¡{ÐH$ CÎmoOZmAm| Ho$ n[aUm_ñdê$n VWm H$mo{dS>-ào[aV à{V~§Ym| _| Yrao-Yrao T>rb Am¡a Xþ{Z`m ^a _| Q>rH$mH$aU go CËnÞ AmemdmX go, ^maVr` B{¹$Q>r ~mOma Zo d¡{œH$ ~mOmam| Ho$ gmW Vmb_ob {~R>mVo hþE, EH$ VoO dr-eon [aH$dar H$s &

^bo hr EgE§S>nr ~rEgB© g|goŠg 31 _mM©, 2020 H$mo 29,468 Ho$ {ZMbo ñVa na ~§X hþAm, 31 _mM©, 2021 H$mo, `h 49,509 go D$na ~§X hþAm, Omo D$na H$s Amoa éPmZ {XImVo hþE H$mo{dS>-19 _hm_mar go ^maVr` AW©ì`dñWm _| _O~yV nwZéÕma H$m g§Ho$V XoVm h¡& df© Ho$ Xm¡amZ EgE§S>nr ~rEgB© g|goŠg 27,501 go 52,517 Ho$ gr_m _| ahm& 31 _mM© 2020 H$mo 8,598 Ho$ {ZMbo ñVa Ho$ _wH$m~bo, {ZâQ>r-5031 _mM©, 2021 H$mo 14,691 Ho$ [aH$m°S©> Cƒ ñVa na ~§X hþAm& nyao df© Ho$ Xm¡amZ {ZâQ>r-508,056 go 15,340 H$s gr_m _| ahm &

_mM©, 2021 Ho$ A§V _|, EgE§S>nr ~rEgB© g|goŠg Am¡a {ZâQ>r-50 H$m nr/B© AZwnmV (_yë` Am` AZwnmV) (EH$ df© nhbo 19.55 Am¡a 19.38 H$s VwbZm _|) H«$_e… 34.94 Am¡a 33.20 Wm &

Ama~rAmB© Ûmam àH$m{eV AZ§{V_ Am§H$‹S>m| Ho$ AZwgma, df© Ho$ Xm¡amZ J¡a-gaH$mar npãbH$ {b{_Q>oS> H§$n{Z`m| Ûmam ZE ny§OrJV {ZJ©_m| H$s g§»`m 106 go KQ>H$a 90 hmo JB©& hmbm§{H$ OwQ>mB© JB© am{e {nN>bo {dÎmr` df© Ho$ Xm¡amZ ` 79,910 H$amo‹S> H$s VwbZm _| ~‹T>H$a ` 1,07,868 H$amo‹S> hmo JB© &

31 _mM©, 2021 H$mo ^maV Ho$ å`wMwAb \§$S> CÚmoJ Ho$ à~§YZ Ho$ VhV ewÕ g§n{Îm (E`yE_) 31 _mM©,2020 H$mo ` 22,26,202.90 H$amo‹S> Ho$ {dnarV `31,42,763.50H$amo‹S> Wr, Omo df© Xa df© Ho$ AmYma na EH$ 41.02% H$s d¥{Õ àX{e©V H$aVr h¡ &

O) ^maV _| ~r_m joÌ:

^maVr` ~r_m ~mOma _| 24 OrdZ ~r_m, 34 J¡a-OrdZ ~r_m H§$n{Z`m§ (ñQ>¢S>AbmoZ ñdmñÏ` ~r_m H§$n{Z`m| g{hV), gmd©O{ZH$ joÌ _| EH$ nwZ~u_m (AmaAmB©) H§$nZr Am¡a {ZOr joÌ _| Xg AmaAmB© emImE± h¢& OrdZ ~r_m joÌ _|, àr{_`_ Ho$ g§X^© _| ~mOma {hñgoXmar H$m bJ^J 66% {hñgm ^maVr` OrdZ ~r_m {ZJ_ H$m h¡, {OgH$m nyU© ñdm{_Ëd gaH$ma Ho$ nmg h¡& {ZJ_ H$s ì`mnH$ {dVaU ZoQ>dH©$ Ho$ gmW EH$ _O~yV ~«m§S> N>{d h¡&

^maV gaH$ma Ûmam Kmo{fV ^maVr` OrdZ ~r_m {ZJ_ H$s Ama§{^H$ gmd©O{ZH$ noeH$e (AmB©nrAmo) {dÎmr` df© 2021-22 _| ewê$ hmoZo H$s Cå_rX h¡& ^maV ~«m§S> B{¹$Q>r \$mC§So>eZ H$s [anmoQ>© Ho$ AZwgma, Xoe _|, AJbo VrZ go nm§M dfm] VH$ gmbmZm, OrdZ ~r_m CÚmoJ _| 14-15% H$s d¥{Õ hmoZo H$s Cå_rX h¡ &

14


{dœ ñVa na, OrdZ ~r_m I§S> _| ^maV 10 d| ñWmZ na h¡&

^maV _| ~r_m KZËd Am¡a ~r_m n¡R>:

~r_m n¡R>, àr{_`_ H$mo gH$b Kaoby CËnmX Ho$ à{VeV Ho$ ê$n _| _mnVm h¡ O~{H$ ~r_m KZËd à{V ì`{º$ àr{_`_ Ho$ ê$n _| ì`º$ {H$`m OmVm h¡& BÝh| AW©ì`dñWm _| ~r_m {dH$mg H$m g~go _hËdnyU© n¡_mZm _mZm OmVm h¡&

AmB©AmaS>rEAmB© H$s dm{f©H$ [anmoQ>© 2019-20 Ho$ AZwgma, d¡{œH$ ~r_m ~mOma _| ^maV H$s {hñgoXmar 2018 _| 1.58% go _m_ybr ê$n go ~‹T>H$a 2019 _| 1.69% hmo JB©& [anmoQ>© _| AmJo H$hm J`m h¡ {H$ Ohm§ d¡{œH$ ñVa na Hw$b àr{_`_ _| OrdZ ~r_m ì`dgm` H$m {hñgm 2019 Ho$ Xm¡amZ Ho$db 46.34%

Wm, dhr ^maV _|, OrdZ ~r_m ì`dgm` H$s {hñgoXmar 74.94% na CƒV_ Wr& 2019 Ho$ Xm¡amZ OrdZ ~r_m ì`dgm` _| 9.63% H$s d¥{Õ hþB©, O~{H$ {dœ ñVa na OrdZ ~r_m ì`dgm` _| Ho$db 1.18% H$s d¥{Õ hþB©&

^maV _|, ~r_m n¡R> 2009 _| 4.6% Ho$ {eIa go {JaH$a 2013 _| 2.5% hmo JB©& 2019 VH$, ^maV _| ~r_m H$s n¡R> 3.76 à{VeV Wr&

^bo hr ^maV _| ~r_m KZËd 2001 _| 9.1 A_o[aH$s S>m°ba go ~‹T>H$a 2010 _| 55.7A_o[aH$s S>m°ba hmo J`m Wm, ~mX Ho$ dfm] _| Cº$ ñVa _| {JamdQ> XoIr JB©& hmbm§{H$, OrdZ ~r_mH$Vm©Am| Ûmam H$B© {Z`m_H$ H$ma©dmB`m| Am¡a ñ_mQ>© CËnmXm| H$s ewê$AmV H$s n¥ð>^y{_ _|, OrdZ ~r_m KZËd 2019 _| 78 A_o[aH$s S>m°ba Ho$ ñVa VH$ nhþ§M J`m h¡&

g«moV: pñdg ar, {g½_m, {d{^Þ _wÔo AmB©AmaS>rEAmB© dm{f©H$ [anmoQ>© 2019-20

OrdZ ~r_m CÚmoJ Ho$ {bE à_wI Adga:

1. n|eZ CËnmXm| Am¡a dm{f©H$s CËnmXm| H$s AË`{YH$ _m§J:

~‹T>Vr _h§JmB© Am¡a OrdZ `mnZ H$s Cƒ bmJV H$mo XoIVo hþE, godm{Zd¥{Îm `moOZm, {Zdoe `moOZm H$m EH$ _hËdnyU© nhby ~Z J`m h¡& n|eZ `moOZm, {Ogo godm{Zd¥{Îm `moOZm Ho$ ê$n _| ^r OmZm OmVm h¡, OmopI_ H$da Ho$ gmW-gmW Eogr `moOZmAm| _| {Zdoe H$s JB© EH$_wíV am{e na ã`mO Xam| H$mo bm°H$ H$aZo H$m àñVmd H$aVr h¡& Eogo g_` _| O~ _wÐmñ\$s{V {Z{üV {Zdoe na àmá [aQ>Z© H$mo H$_ H$a XoVr h¡, ~r_m H§$n{Z`m| Ûmam n|eZ CËnmX EH$ AÀN>m {Zdoe {dH$ën àXmZ H$aVo h¢&

2. {JaVr ã`mO Xam| H$mo XoIVo hþE Jma§Q>rS> [aQ>Z© CËnmX H$s A{YH$ _m§J…

dV©_mZ AW©ì`dñWm _| {JaVr ã`mO Xam| H$mo Ü`mZ _| aIVo hþE, Jma§Q>rH¥$V `moOZmE§ (Omo J¡a-^mJrXmar dmbo CËnmX h¢) bm^ àXmZ H$aVr h¢ Omo nm°{bgr H$s ewéAmV _| nyU© eVm] _| Jma§Q>rH¥$V hmoVr h¢ Am¡a H$_ [aQ>Z© Xa Ho$ ~mdOyX AÝ` {dÎmr` CËnmXm| H$s VwbZm _| A{YH$ bmoH${à` hmo ahr

0

2

1

3

4

5

6

2001

2002

2003

2004

2005

2006

2007

2008

2009

2010

2011

2012

2013

2014

2015

2016

2017

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2019

In p

erc

en

t

Life Non-Life Total

0

10

20

30

40

50

60

70

80

90

2001

2002

2003

2004

2005

2006

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In U

SD

Life Non-Life Total

Insurance Penetration in India Insurance Density in India

15

64dm{f©H [anmoQ©

dt

h¢& `h `moOZmE± ng§X H$s OmVr h¡ Š`m|{H$ do OrdZ ~r_m H$da Ho$ gmW-gmW n[adma H$mo gwajm ^r àXmZ H$aVo h¢, Omo {deof ê$n go Mb ahr _hm_mar Ho$ Xm¡amZ, àmg§{JH$ hmoZo Ho$ Abmdm n[an¹$Vm na Jma§Q>rS> [aQ>Z© ^r XoVo h¡&

3. Q>_© B§í`moa|g Ed§ A{YH$ g_ Eí`moS©> H$s ~‹T>Vr _m§J…

Q>_© B§í`moa|g H$s _O~yV _m§J hmo ahr h¡& ~r_m Omo _w»` ê$n go EH$ nwe-àmoS>ŠQ> h¡, {Og_| ~r_m H$s Va\$ OmJê$H$Vm H$s dOh go Hw$N> ~Xbmd {XI ahm h¡& Cn^moº$m, {deof ê$n go `wdm dJ©, H$mo{dX -19 _hm_mar Ho$ H$maU ~‹T>r hþB© _m¡Vm| H$mo XoIVo hþE {dÎmr` ~¡H$ñQ>m°n Ho$ ê$n _|, ~r_m IarX aho h¢&

4. Am°ZbmBZ ßboQ>\$m°_© Ho$ _mÜ`_ go ~r_m `moOZmAm| H$s A{YH$ _m§J…

Mb ahr _hm_mar Zo A{YH$m§e joÌm| _| dH©$-\«$m°_-hmo_(S>ãë`yE\$EM) g§ñH¥${V _| d¥{Õ XoIr J`r h¡, {OgZo, ~Xbo _| nyao Xoe _| g^r Am`w-g_yhm| / dJm] / ñWmZm| Ho$ ~rM àm¡Úmo{JH$s go g§nH©$ ~‹T>m {X`m h¡& ghòmãXr nr‹T>r (millennials) Am°ZbmBZ ~r_m IarXZo H$s g~go A{YH$ g§^mdZm dmbr nr‹T>r h¡& do {nN>br nr{‹T>`m| Ho$ dm§{N>V ì`{º$JV ñne© Ho$ {~Zm {dÎmr` godmAm| H$s IarXmar H$aZo _| ghO h¢& OZaoeZ Z (1995 Am¡a 2010 Ho$ ~rM n¡Xm hþE ì`{º$, Omo B§Q>aZoQ>, gmoeb ZoQ>dH©$ Am¡a _mo~mBb {gñQ>_ Ho$ g§nH©$ _| aho h¢), {S>{OQ>b ßboQ>\$m°_© Ho$ _mÜ`_ go g^r CËnmXm| Am¡a godmAm| VH$ nhþ§MZo Ho$ gmW EH$ nyU© {S>{OQ>b ng§X H$a|Jo & Bg àH$ma Am°ZbmBZ ßboQ>\$m°_© Ho$ _mÜ`_ Ho$ CN>mb _| H${WV d¥{Õ hþB© h¡&

5. AmB©AmaS>rEAmB© Ho$ {ZX}em| Ho$ AZwgma, g^r H§$n{Z`m| _| _mZH$ OrdZ ~r_m nm°{b{g`m| H$mo ~‹T>mdm XoZm…

AmB©AmaS>rEAmB© Ho$ AZwgma, {Z`m_H$ àm{YH$aU Zo ""gab OrdZ ~r_m Zm_ go EH$ _mZH$, ì`{º$JV Q>_© bmB\$ B§í`moa|g CËnmX, gab {deofVmAm| Am¡a _mZH$ {Z`_m| Am¡a eVm] Ho$ gmW noe H$aZm'' Amdí`H$ _hgyg {H$`m& Bg Vah H$s `moOZm H$mo _moQ>o Vm¡a na EH$ Am¡gV J«mhH$ H$s Oê$aVm| H$mo nyam H$aZm hmoVm h¡ {Oggo J«mhH$m| Ho$ {bE EH$ gy{MV {dH$ën MwZZm AmgmZ hmo OmVm h¡& Bggo ~r_mH$Vm©Am| Am¡a ~r_mYmaH$ Ho$ ~rM {dœmg ~‹T>oJm, Am¡a Xmdm {ZnQ>mZ Ho$ g_` JbV {~H«$s Ho$ gmW-gmW g§^m{dV {ddmXm| H$mo H$_ H$aoJm& `h OrdZ ~r_m H$s nhþ§M ~‹T>mZo H$s {Xem _| EH$ ~‹S>m H$X_ h¡, ImgH$a {ZåZ Am` dJ© _| I§S> Ho$ J«mhH$ Omo AnZr {S>ñnmoOo~b Am` _| ghr CËnmX Ho$ M`Z Ho$ g§~§Y _| gy{MV {dH$ën ~ZmZo Ho$ {bE n`m©á g_` Am¡a D$Om© Zht bJm gH$Vo h¢&

AmZodmbr à_wI MwZm¡{V`m±

1. EH$ g_mdoer, A{^Zd Am¡a VoOr go {dVaU/{~H«$s V§Ì H$mo AnZmZm:

H$mo{dS>-19 Ho$ _ÔoZOa bJmE JE bJmVma bm°H$S>mCZ Ho$ H$maU ~r_m B§Q>o_}Or`[aO Am¡a J«mhH$m| Ho$ ~rM Am_Zo-gm_Zo H$s ~¡R>H|$ _w»` ê$n go ~m{YV hþB© h¢& ^bo hr Bg Ad{Y Ho$ Xm¡amZ A{YH$ go A{YH$ bmoJm| Zo Ka go H$m_ hr H$aZo Ho$ {bE àm¡Úmo{JH$s H$mo AnZm`m h¡, J«m_rU joÌm| Am¡a

ehar Jar~m| Ho$ EH$ ~‹S>o {hñgo H$mo ~r_m H$daoO Ho$ Xm`ao _| bmZo H$s Oê$aV h¡& Eogr pñW{V _| ~r_mH$Vm©Am| Ho$ {bE `h A{Zdm`© hmo OmVm h¡ {H$ do A{^Zd {dVaU V§Ì H$mo {S>OmBZ H$aZo Ho$ {bE CÞV Am¡a ~w{Õ_mZ VH$ZrH$ H$mo AnZmH$a AnZr nhþ§M ~‹T>mE§, {Og_| Ana§namJV {~H«$s nÕ{V em{_b hmoJr Omo 'ñQ>o EQ> hmo_' n[aÑí` H$mo nyam H$aoJm&

2. d¡{œH$ _¥Ë`w Xa g§ajU A§Vamb _| d¥{Õ:

OrdZ ~r_m Ho$ {bE, gwajm A§Vamb H$mo OrdZ H$s KQ>Zm (_¥Ë`w, {dH$bm§JVm `m godm{Zd¥{Îm) Ho$ ~mX EH$ {Z{üV Ad{Y Ho$ {bE, {H$gr Ho$ OrdZ ñVa H$mo ~ZmE aIZo Ho$ {bE Amdí`H$ gwajm H$s am{e Ho$ ê$n _| _mZm Om gH$Vm h¡& Bg _m_bo _|, eãX "g§ajU' H$m AW© Cg Ad{Y Ho$ Xm¡amZ dV©_mZ _yë` hmo gH$Vm h¡& ŠbmoqOJ E{e`mµO _m°Q>}{bQ>r àmoQ>oŠeZ J¡n Zm_H$ pñdg-ar OwbmB© 2020 Ho$ nona Ho$ AZwgma, `h AZw_mZ bJm`m J`m h¡ {H$ nyao E{e`m àem§V joÌ Ho$ {bE `h A§Va bJ^J 83 {Q´>{b`Z A_o[aH$s S>m°ba h¡& CZHo$ Z_yZm gd}jU [anmoQ>© _| E{e`m H$s 10 à_wI AW©ì`dñWmAm| _| `h nm`m J`m h¡ {H$ d¡{œH$ _¥Ë`w Xa g§ajU A§Va _| d¥{Õ hþB© h¡ Am¡a `h _w»` ê$n go BZ ~mOmam| Ho$ ~rM ì`{º$`m| H$s {dÎmr` g§n{Îm _| {JamdQ> Am¡a ~‹T>Vo Kaoby F$U Ho$ H$maU, ~‹T>r h¡& {deofkm| Ho$ AZwgma, ~r_m IarX {ZU©` boVo g_` _mZdr` ì`dhma H$mo g_PH$a Bg A§Va H$mo H$_ {H$`m Om gH$Vm h¡& BgHo$ Abmdm, ~r_m Ho$ _hËd Ho$ ~mao _| Cn^moº$m OmJê$H$Vm ~‹T>mH$a, CZHo$ {dÎmr` gmjaVm _| gwYma H$aHo$ Am¡a EO|Q>m| Ho$ {bE ~ohVa {S>{OQ>b CnH$aU àXmZ H$aHo$, J«mhH$ A{YH$ nmaX{e©Vm H$s Cå_rX H$a gH$Vo h¢&

16


OrdZ ~r_m CÚmoJ H$m àXe©Z

AmB©AmaS>rEAmB© H$s dm{f©H$ [anmoQ>© 2019-20 _| H$hm J`m h¡ {H$ OrdZ ~r_m CÚmoJ H$m Hw$b OrdZ H$mof 2018-19 Ho$ ` 2,347,455 H$amo‹S> H$s VwbZm _| `2,619,157 H$amo‹S> Wm, Omo 11.57% H$s d¥{Õ Xem©Vm h¡&

OrdZ ~r_mH$Vm©Am| H$m Hw$b àW_ df© H$m àr{_`_ {dÎmr` df© 2020-21 _| 7.49% go ~‹T>H$a `2,78,277.98 H$amo‹S> hþAm, Omo {nN>bo {dÎm df© _| `2,58,896.49 H$amo‹S> Wm, O~{H$ ZB© Zr{V`m| H$s g§»`m _| 2.49% H$s {JamdQ> Ho$ gmW {dÎmr` df© 2019-20 _| 2.89 H$amo‹S> go {dÎmr` df© 2020-21

_| 2.82 H$amo‹S> hmo JB©&

31.03.2021 H$mo ^maVr` OrdZ ~r_m {ZJ_ H$s ~mOma _| {hñgoXmar, Hw$b àW_ df© Ho$ àr{_`_ _| 66.18% Am¡a ZB© nm°{bgr H$s g§»`m _| 74.58% Wr&

{ZJ_ Zo {dÎmr` df© 2020-21 _| AnZo J«wn Ý`y {~OZog àr{_`_ _| bJ^J 0.8% H$s _m_ybr d¥{Õ XO© H$s& `mZr {dÎmr` df© 2019-20 Ho$ `1.27 bmI H$amo‹S> H$s VwbZm _| {dÎmr` df© 2020-21 _| `1.28 bmI H$amo‹S> Wr&

OrdZ ~r_m CÚmoJ go g§~§{YV Am§H$‹S>o Omo OrdZ ~r_m n[afX H$s do~gmBQ> go àmá {H$E JE h¢:

(Am§H$‹S>o AZ§{V_ Am¡a AboImnar{jV h¢)

H«$_ So>Q>m {ddaU 31.12.2019 31.12.2020 {dH$mg Xa (%)

1. ny§Or {Z`mo{OV eo`a àr{_`_*, `{X H$moB© hmo,g{hV (₹H$amo‹S) 37,455 38,311 2.29

2. emIm H$m`m©b`m| H$s g§»`m 11,295 11,105 -1.68

3. EO|Q>m| H$s g§»`m (ì`{º$JV) 22,60,516 24,18,878 7.01

4. àË`j H$_©Mm[a`m| H$s g§»`m 2,94,763 3,02,824 2.73

5. Hw$b g§n{Îm (₹H$amo‹S) (B{¹$Q>r g{hV) 39,62,775 44,86,195 13.21

6. B{¹$Q>r (~mOma _yë` na) 8,99,214 10,37,048 15.33

7. Adg§aMZm {Zdoe (₹H$amo‹S) 4,15,049 4,39,807 5.97

8. ZdrH$aU àr{_`_ (₹H$amo‹S) 2,13,714 2,38,075 11.40

(* dh am{e {Oggo {H$gr H§$nZr Ûmam ñQ>m°H$ Bí`y Ho$ {bE àmá am{e CgHo$ A§{H$V _yë` go A{YH$ hmo OmVr h¡)

Calculating the mortility protection gap in present value terms

*includes social security surviors benefit and compensation from employersSource: Swiss Re Institute

GAP

MPG Income replacement

Householddebt

TotalSaving

Non-primarypoperty value

Life Insurance

Otherassets*

Protection need Resources availabe

17

64dm{f©H [anmoQ©

dt

H$mo{dS>-19 Ho$ H$maU Câr pñW{V Ho$ H$maU MwZm¡{V`m| H$m gm_Zm H$aZo Ho$ {bE, ^maVr` ~r_m {Z`m_H$ Am¡a {dH$mg àm{YH$aU Zo Xoe â Ho$ g^r ~r_mH$Vm©Am| H$mo {ZX}em| H$m EH$ goQ> Omar {H$`m& BZ_| _moQ>o Vm¡a na H$_©Mm[a`m|, B§Q>o_}Or`[aO Am¡a EO|Q>m| Ho$ {bE dH©$ \«$m°_ hmo_ Zr{V H$mo AnZmZm, CZH$s do~gmBQ>m| na H$mo{dS>-19 Xmdm| Ho$ {bE AŠga nyN>o OmZo dmbo àý àX{e©V H$aZm, EH$ ì`dgm` {Za§VaVm `moOZm (~rgrnr) ñWm{nV H$aZm, Omo AÝ` ~mVm| Ho$ gmW-gmW à{H«$`mAm|, boZXoZ, [anmo{Qª>J Am¡a J«mhH$ godmAm| H$mo dV©_mZ pñW{V H$m Ü`mZ aIZo Ho$ {bE {Z~m©Y VarHo$ go g§~§{YV h¡ Am¡a A§{V_, na H$_ Zhr, EH$ g§H$Q> à~§YZ g{_{V H$s ñWmnZm, {Og_| dmñV{dH$ g_` Ho$ AmYma na dV©_mZ pñW{V H$s {ZJamZr H$aZo Am¡a ~r_mH$Vm© H$s OmopI_ à~§YZ g{_{V H$mo {Z`{_V BZnwQ> àXmZ H$aZo Ho$ {bE à_wI H${_©`m| H$mo em{_b {H$`m OmE& ò g^r H$X_ ì`mnma _| ì`dYmZ H$mo H$_ H$aZo Am¡a BZ H${R>Z jUm| _| ì`dgm` Ho$ {Z~m©Y g§MmbZ H$mo gw{Z{üV H$aZo Ho$ BamXo go CR>mE JE Wo&

i) d¡{œH$ ~r_m Ñ{ï>H$moU:

d¡{œH$ ~r_m ~mOmam| na AmoB©grS>r H$s [anmoQ>© Ho$ AZwgma, d¡{œH$ ñVa na, H$mo{dS>-19 _hm_mar H$s n¥ð>^y{_ _| {deof ê$n go OrdZ ~r_m joÌ _|, ~r_m H§$n{Z`m| Zo 2020 _| {bIo JE gH$b àr{_`_ _| _§Xr H$m AZw^d {H$`m & 2020 _| Am¡gVZ OrdZ ~r_m àr{_`_ _| 2.2% H$s {JamdQ> AmB©& g^r g§Ho$VH$ àma§{^H$ Am§H$‹S>m| Am¡a 2020 Ho$ ewéAmVr AZw_mZm| na AmYm[aV Wo&

~r_m CÚmoJ AmO Am¡a H$b Ho$ {bE, na H¡$nOo{_Zr AÜ``Z [anmoQ>© _| H$hm J`m h¡ {H$ OZaoeZ-Z Ho$ gmW-gmW {_bo{Z`ëg H$mo ~r_m H§$n{Z`m| Ho$ g§~§Y _| H$B© {dH$ën CnbãY hmoZo go, Cn^moº$m AnZr g^r Zr{V`m| H$mo IarXZo Am¡a à~§{YV H$aZo Ho$ {bE dZ-ñQ>m°n Eon _| ñWmZm§V[aV hmo gH$Vo h¢& Bggo ~«m§S> H$s d\$mXmar _| H$_r Am gH$Vr h¡ Am¡a J«mhH$m| H$mo ~ZmE aIZo Ho$ {bE A{^Zd Ow‹S>md na A{YH$ Ü`mZ XoZo H$s Amdí`H$Vm hmoJr& Bg{bE ~r_m joÌ _| {d{^Þ àH$ma Ho$ Ý`w BH$mo{gñQ>_ ßbo`g© Ho$ gmW H$m_ H$aZo Ho$ {bE ~r_mH$Vm©Am| Ho$ {bE ghr gmPoXmar {dH${gV H$aZm Am¡a BZ ^mJrXmam| Ho$ gmW ar`b-Q>mB_ EH$sH$aU Ho$ {bE {S>{OQ>b VH$ZrH$ H$m Cn`moJ H$aZm A{Zdm`© hmo OmEJm&

Cº$ [anmoQ>© Ho$ AZwgma, O¡gm {H$ ~r_m joÌ _| ZE àdoeH$Vm© {XImB© XoVo h¢, `h Anojm H$s OmVr h¡ {H$ _m¡OyXm ~r_mH$Vm©Am| Ho$ {bE J«mhH$ à{VYmaU EH$ ZB© MwZm¡Vr ~Zr ahoJr& a¡{nS> B§í`moa|g BH$mo{gñQ>_ Bdmoë`yeZ Ho$ {bE B§Q>aZoQ> Am°\$ qW½g (AmB©AmoQ>r) (doà~ëg Am¡a AÝ` g|ga-AmYm[aV {S>dmBg) g§kmZmË_H$ (cognitive) H§$ß`yqQ>J (CÞV ^{dî` H$hZodmbm {dûcofU, Am{Q©>{\${e`b B§Q>o{bO|g, Am¡a _erZ b{ZªJ), AmanrE (~r_m Xmdo Ho$ {bE amo~moQ> àmogog Am°Q>mo_oeZ), ãbm°H$MoZ O¡gr {S>{OQ>b VH$ZrH$m| H$mo AnZmZo go {ZH$Q> ^{dî` _| CZH$s g\$bVm H$mo n[a^m{fV H$a|Jo& `h, J«mhH$m| H$mo noe {H$E Om aho CËnmXm| _| ZdmMma Ho$ gmW ~r_m H§$n{Z`m| H$mo ~XbVo g_` _| bMrbm ~ZmZo _| ghm`Vm H$aoJm&

g§X^©…

^maVr` ~r_m {Z`m_H$ Am¡a {dH$mg àm{YH$aU, OrdZ ~r_m n[afX, ^maVr` [aOd© ~¢H$, Am{W©H$ _m_bm| Ho$ {d^mJ Ûmam à_wI Am{W©H$ g§Ho$VH$, gm§p»`H$s Am¡a H$m`©H«$_ H$m`m©Ýd`Z _§Ìmb`/H|$Ðr` gm§p»`H$s H$m`m©b`, ZoeZb ñQ>m°H$ EŠgM|O, ^maVr` à{V^y{V Am¡a {d{Z_` ~moS©>, A§Vaamï´>r` _wÐm H$mof, ~m°å~o ñQ>m°H$ EŠgM|O, Am{W©H$ gd}jU 2020-21, AmB©AmaS>rEAmB© H$s dm{f©H$ [anmoQ>© 2019-20, H|$Ðr` ~OQ> 2021-22, {dœ Am{W©H$ AmCQ>bwH$, d¡{œH$ ~r_m AmCQ>bwH$ 2021, AmB©~rB©E\$- B§{S>`m ~«m§S> B{¹$Q>r \$mC§So>eZ, pñdg-ar., pñdg-ar OwbmB© 2020 nona {OgH$m erf©H$ ŠbmoqOJ E{e`mO _m°Q>}{bQ>r àmoQ>oŠeZ J¡n h¡, nrS>ãë`wgr.BZ (^maV H$m ^{dî`, {dOoVm N>bm§J), B A±S> dm` Ûmam H$mo{dS>-19 Ho$ ~mX ~r_mH$Vm©Am| Ho$ {bE {S>{OQ>b n[adV©Z Ho$ Adga, H¡$nOo{_Zr Ûmam {dœ ~r_m [anmoQ>©, ^maV na H$mo{dS>-19 H$m Am{W©H$ à^md.

4. H$m`© n[aUm_ I. Zd ì`dgm`: H$) ì`{º$JV ~r_m:

ì`{º$JV ~r_m nmoQ>©\$mo{b`mo Ho$ AÝVJ©V 3 dfm] H$m Zd ì`dgm` gmaUr g§. 1E _| {X`m J`m h¡&

I) gm_mÝ` dm{f©H$s:

gm_mÝ` dm{f©H$s nmoQ>©\$mo{b`mo Ho$ AÝVJ©V 3 dfm] H$m Zd ì`dgm` gmaUr g§. 1E _| {X`m J`m h¡&

J) noÝeZ:

noÝeZ nmoQ>©\$mo{b`mo Ho$ AÝVJ©V 3 dfm] H$m Zd ì`dgm` gmaUr g§. 1E _| {X`m J`m h¡&

K) Zm°Z qbH$ hoëW:

Zm°Z qbH$ hoëW Ho$ AÝVJ©V 3 dfm] H$m Zd ì`dgm` gmaUr g§. 1E _| {X`m J`m h¡&

‹S>) `y{ZQ> qbH$ ì`dgm`:

`y{ZQ> qbH$ ì`dgm` Ho$ AÝVJ©V 3 dfm] H$m Zd ì`dgm` gmaUr g§. 1E _| {X`m J`m h¡&

M) g_yh ~r_m ì`dgm`:

g_yh ~r_m `y{ZQ> g§`wº$ ì`dgm` g{hV `moOZmAm| Ho$ AÝVJ©V 3 dfm] Ho$ Xm¡amZ {H$`m J`m Zd ì`dgm` gmaUr H«$. 1~r _| {X`m J`m h¡&

N>) gm_m{OH$ gwajm `moOZmE§:

àYmZ _§Ìr OrdZ Á`mo{V ~r_m `moOZm

H|$Ð gaH$ma Zo 09 _B©, 2015 H$mo {dÎmr` g_mdoeZ Ho$ ^mJ Ho$ ê$n _| Eo{Vhm{gH$ ~r_m `moOZm Zm_V: àYmZ _§Ìr OrdZ Á`mo{V ~r_m `moOZm (nrE_OoOo~rdmB©) H$m ew^ma§^ {H$`m Wm & BZ `moOZmAm| H$m CÔoí`, H$_ bmJV na ~¢H$m| Ho$ ImVmYmaH$m| H$mo ~r_m g§ajU CnbãY H$amZm h¡& nrE_OoOo~rdmB© ` 2 bmI H$m OrdZ ~r_m gwajm

18


CnbãY H$amVr h¡& 18 df© (nyao H$a {bE JE) Am¡a 50 df© ({ZH$Q>V_ OÝ_ {XZ H$mo Am`w) Ho$ ~rM Ho$, gh^mJr ~¢H$m| Ho$ ~MV ~¢H$ ImVmYmaH$, ` 330/- à{V df© Ho$ àr{_`_ na nrE_OoOo~rdmB© Ho$ A§VJ©V gwajm Ho$ nmÌ h¢& nrE_OoOo~rdmB© Ho$ A§VJ©V, ~r_m gwajm EH$ {H$\$m`Vr àr{_`_ na OZVm Ho$ g^r dJm] H$mo CnbãY H$am`m J`m h¡& BZ `moOZmAm| Ho$ A§VJ©V àr{_`_, ñd`§ ImVmYmaH$m| Ûmam dhZ {H$`m OmVm h¡ Am¡a BgH$s àr{_`_ am{e A§eXmVm Ûmam {Xò Jò _|So>Q> (ñdKmofUm nÌ) Ho$ AmYma na CZHo$ ~¢H$ ImVm go H$mQ> br OmVr h¡&

`moOZm Ho$ ew^ma§^ go 31 _mM© 2021 VH$ Hw$b 1,42,29,371 ImVmYmaH$m| H$mo àYmZ _§Ìr OrdZ Á`mo{V ~r_m `moOZm Ho$ A§VJ©V ~r_m g§ajU CnbãY H$am`m J`m h¡, O~{H$ 1,17,851 _¥Ë`w Xmdm Ho$ A§VJ©V Hw$b ` 2,357.02 H$amoS> am{e H$m ^wJmVZ {H$`m J`m h¡&

O) àW_ ~r_m:

{ZJ_ H$s Zr{V`m| Ho$ VhV A{YH$ go A{YH$ bmoJm| H$mo ~r_m gwajm àXmZ H$aZo Ho$ n[anoú` _| Eogo bmoJm| na Á`mXm Ü`mZ {X`m OmVm h¡ {OZH$m nyd© _| H$moB© ^r ~r_m Zht h¡& {dÎmr` df© 2020-21 _| 186.44 bmI ì`{º$`m| H$m nhbr ~ma ~r_m H$am`m J`m, {OZH$s Hw$b ~r_m am{e ` 4,90,404.08 H$amo‹S> Wr O~{H$ BgHo$ nhbo df© 2019-20 _| 185.53 bmI nm°{bgr`m| Ho$ AÝVJ©V Hw$b ~r_m am{e ` 5,15,975.10 H$amo‹S> Wr& Hw$b ~r_m Ho$ AZwnmV _| àW_ ~r_m H$m AZwnmV nm°{bgr Z§~a _| 88.89% VWm ~r_m am{e _| 83.67% h¡&

P) J«m_rU ~r_m na {deof

OrdZ ~r_m H$m g§Xoe J«m_rU joÌ, {deofV… {nN>‹S>o Ed§ XÿañW joÌm| _| àgm[aV H$aZo Ho$ {Za§Va Ed§ gMoV à`mg {H$E Om aho h¡& BgHo$ n[aUm_ ñdê$n BZ joÌm| _| Zd ì`dgm` _| bJmVma d¥{Õ hmo ahr h¡& AmBAmaS>rEAmB H$s AZw_mo{XV J«m_rU/ gm_m{OH$ joÌ H$s n[a^mfm Ho$ AÝVJ©V, {dÎmr` df© 2020-21 _| J«m_rU joÌ go Hw$b 45,00,369 nm°{bgr`m§ Omar H$a Hw$b ` 91,961.61 H$amo‹S> ~r_m am{e H$m ì`dgm` {H$`m J`m, Omo Hw$b nm°{bgr g§»`m Ed§ ~r_m am{e Ho$ H«$_e: 21.45% Ed§ 15.69% {hñgo H$mo Xem©Vm h¡&

II. {d{^Þ lo{U`m| _| Mmby ì`dgm`: H$) ì`{º$JV ~r_m:

ì`{º$JV ~r_m nmoQ>©\$mo{b`mo Ho$ A§VJ©V {nN>bo 3 dfm] H$m Mmby ì`dgm` gmaUr g§. 3E _| {X`m J`m h¡ &

I) gm_mÝ` dm{f©H$s:

gm_mÝ` dm{f©H$s nmoQ>©\$mo{b`mo Ho$ A§VJ©V {nN>bo 3 dfm] H$m Mmby ì`dgm` gmaUr g§. 3E _| {X`m J`m h¡&

J) noÝeZ:

noÝeZ nmoQ>©\$mo{b`mo Ho$ A§VJ©V {nN>bo 3 dfm] H$m Mmby ì`dgm` gmaUr g§. 3E _| {X`m J`m h¡ &

K) Zm°Z qbH$ hoëW:

Zm°Z qbH$ hoëW ì`dgm` Ho$ A§VJ©V {nN>bo 3 dfm] H$m Mmby ì`dgm` gmaUr g§. 3E _| {X`m J`m h¡&

S>) `y{ZQ> qbH$ ì`dgm`:

`y{ZQ> qbH$ ì`dgm` nmoQ>©\$mo{b`mo Ho$ A§VJ©V {nN>bo 3 dfm] H$m Mmby ì`dgm` gmaUr g§. 3E _| {X`m J`m h¡&

M) g_yh ~r_m ì`dgm`:

`y{ZQ> qbH$ ì`dgm` g{hV g_yh ~r_m nmoQ>©\$mo{b`mo Ho$ A§VJ©V {nN>bo 3 dfm] H$m Mmby ì`dgm` gmaUr g§. 3~r _| {X`m J`m h¡&

5. ny§Or _moMZ VWm {Z{üV dm{f©H$s ì`dgm`

31 _mM© 2021 VH$ 363 {Z{üV dm{f©H$s nm°{b{g`m± ` 106.00 bmI dm{f©H$ dm{f©H$s Ho$ {bE Mmby Wr& 6,954 ny±Or {d_moMZ nm°{b{g`m± ` 16,490.28 bmI ~r_m YZ Ho$ {bE Mmby Wr&

6. nm°{b{g`m| Ho$ gm§{d{YH$ {ddaU

~r_m A{Y{Z`_, 1938 Ho$ A§VJ©V {Xò Jò ànÌ 'S>rS>r' Ho$ AZwgma {ddaU gmaUr g§.4 _| gpå_{bV {H$E JE h¢&

7. g§JR>ZOÝ` T>m§Mm

^maV _| pñWV H$m`m©b`…

31 _mM©, 2021 H$mo _w§~B©, {X„r, H$mobH$mVm, MoÞB©, h¡Xam~mX, H$mZnwa, ^monmb VWm nQ>Zm pñWV 8 joÌr` H$m`m©b` h¢& 113 _ÊS>b H$m`m©b` VWm 2,048 emIm H$m`m©b` 1,546 g¡Q>obmB©Q> H$m`m©b` VWm 1,173 {_Zr H$m`m©b` h¢&

_ÊS>b H$m`m©b` J{V{d{Y`m| H$mo _m{ZQ>a Ed§ {Z`§{ÌV H$aVo h¢& emIm H$m`m©b` ì`dgm` àmá H$aVo h¢ Am¡a g^r J«mhH$ BÝQ>a\o$g boZ XoZ Ho$ {bE CÎmaXm`r hmoVo h¢& g¡Q>obmB©Q> H$m`m©b` ^r ì`dgm` àmá H$aVo h¢ VWm Amdí`H$ erK« J«mhH$ godm Ho$ {bE CÎmaXm`r hmoVo h¢& {_Zr H$m`m©b` ~r_m OmJê$H$Vm Am¡a àdoe Ho$ àgma Ho$ CÔoí` go 10,000 `m A{YH$ H$s Am~mXr Ho$ gmW ^maV Ho$ g^r eham| _| {dÎm_§Ìr Ho$ ~OQ> 2013-14 Ho$ AZwgma Imobo JE h¢& {_Zr H$m`m©b` Amdí`H$ VËH$mb J«mhH$ godmAm| Ho$ {bE {Oå_oXma h¢&

8. OrdZ {Z{Y, A{Yeof VWm àXÎm H$a

OrdZ {Z{Y, _yë` {ZYm©aU A{Yeof VWm Ho$ÝÐ gaH$ma Ho$ {hñgo _| ha df© gKZVmnyd©H$ d¥pÜX hmo ahr h¡& df© 2018-19, 2019-20 VWm 2020-21 go g§~§{YV Am§H$‹S>o gmaUr g§. 5 _| {XE JE h¢ &

19

64dm{f©H [anmoQ©

dt

9. {dnUZ J{V{d{Y`m§

{dÎmr` df© 2020-21 _| {ZJ_ Ûmam ì`{º$JV Zd ì`dgm` _| 2,09,75,439 nm°{b{g`m| Ho$ A§VJ©V ` 56,406.51 H$amo‹S> H$s àW_ df© àr{_`_ Am` ny[aV H$s JB©& nm°{bgr g§»`m _| 95.34% VWm àW_ df© àr{_`_ Am` _| 109.95% ~OQ> bú` H$s àm{á hþB©& àYmZ _§Ìr d` d§XZm `moOZm Ho$ A§VJ©V 2,28,153 nm°{b{g`m| na ` 18,640.21 H$amo‹S> H$s àr{_`_ A{O©V H$s JB©& A{^H$aU ^Vu _| {ZJ_ Ûmam 1,44,982 A{^H$Vm©Am| H$s ewÕ d¥{Õ XO© H$s JB©&

2020-21 Ho$ Xm¡amZ M¡Zb - AZwgma ì`{º$JV Zd ì`dgm` H$m {ddaU

ì`dgm` nm°{b{g`m| H$s g§»`m(bmI _|)

àW_ df© àr{_`_ Am`(` H$amo‹S> _|)

nma§n[aH$ 165.57 45,115.49

~¢qH$J Ed§ d¡H$pënH$ _mÜ`_ 2.47 1,900.76

à_wI OrdZ ~r_m gbmhH$ma (grEbAmB©E) 30.91 7,794.48

àË`j {dnUZ 0.88 1,242.86

gyú_ ~r_m 9.92 352.92

Hw$b 209.75 56,406.51

H$) ~¢H$Eí`moa|e Ed§ d¡H$pënH$ M¡Zb:

{dÎmr` df© 2020-21 _| M¡Zb Zo 2,46,910 nm°{bgr Ho$ A§VJ©V àW_ dfu` àr{_`_ Am` (à.d.àr.Am.) Ho$ ê$n _| ` 1,900.76 H$amo‹S> A{O©V H$aVo hþE XmoZm| _mZH$m| na H«$_e… 0.58% Ed§ 23.43% H$s YZmË_H$ d¥{Õ Xem©B© h¡& M¡Zb Zo {ZJ_ Ho$ gH$b ì`dgm` (ì`{º$H$ ~r_m) _| AnZr {hñgoXmar H$mo ~‹T>mVo hþò nm°{bgr _| 1.18% Ed§ àW_ dfu` àr{_`_ Am` _| 3.38% H$m `moJXmZ {H$`m h¡ &

dV©_mZ _| H$m°nm}aoQ> EO|gr EJ«r_|Q> Ho$ VhV M¡Zb H$m 8 gmd©O{ZH$ CnH«$_ ~¢H$, 6 {ZOr ~¢H$, 13 joÌr` ~¢H$, 41 ghH$mar ~¢H$ Ed§ EH$ {dXoer ~¢H$ Ho$ gmW H$ama (Q>mB©-An) h¡ {OZH$s Hw$b 57,919 emIm`| nyao Xoe â _| \¡$br h¢& BgHo$ Abmdm 69 AÝ` H$m°anmoaoQ> EO|Q²g, 79 ~«moH$g© Ed§ 145 B§í`moa|e _mH}$qQ>J \$åg© Ho$ gmW ^r H$ama {H$`m J`m h¡& {nN>bo Mma dfm] _| M¡Zb Zo 4 ~¢H$, 6 H$m°anmoaoQ> EO|Q²g Ed§ 24 B§í`moa|e _mH}$qQ>J \$_© H$mo AnZo gmW Omo‹S>m h¡&

~¢H$ nmQ>©Zg© Ûmam 2,12,282 nm°{b{g`m| Ho$ A§VJ©V ` 1,755.76 H$amo‹S> àW_ dfu` àr{_`_ Am` H$s CnbpãY XO© H$aVo hþE M¡Zb Ho$ ì`dgm` _| àW_ dfu` àr{_`_ Am` _| 92.37% Ed§ nm°{bgr g§»`m _| 85.91% H$s gh^m{JVm H$s h¡ & AÝ` H$m°nm}aoQ> A{^H$Îmm©Am| Zo 24,865 nm°{bgr Ho$ A§VJ©V ` 65.01 H$amo‹S> H$s àW_ dfu` àr{_`_ Am` Ho$ ê$n _| CnbpãY A{O©V H$aVo hþE nm°{bgr g§»`m _| 10.07 % H$m Ed§ àW_ dfu` àr{_`_ Am` _| 3.42 % H$m `moJXmZ {X`m h¡& ~«moH$g© Zo ` 1,554 nm°{bgr Ho$ A§VJ©V ` 37.14 H$amo‹S> àW_ dfu` àr{_`_ Am` Ho$ ê$n _| A{O©V H$aVo hþE nm°{bgr g§»`m _| 0.63 % Ed§ àW_ dfu` àr{_`_ Am` _| 1.96 % H$m `moJXmZ {X`m h¡& B§í`moa|e _mH}$qQ>J \$åg© Zo 8,309 nm°{bgr Ho$ A§VJ©V ` 42.85 H$amo‹S> àW_ dfu` àr{_`_ Am` A{O©V H$aVo hþE nm°{bgr g§»`m _| 3.37 % Ed§ àW_ dfu` àr{_`_ Am` _| 2.25 % H$m `moJXmZ {X`m h¡& AmB©.S>r.~r.AmB©. ~¢H$ Bg gyMr _| 82,521 nm°{bgr Ho$ A§VJ©V ` 863.42 H$amo‹S> àW_ dfu` àr{_`_ Am` Ho$ ê$n _| A{O©V H$aVo hþò {eIa/gdm}ƒ ñWmZ na h¡&

df© Ho$ Xm¡amZ 357 ~¢H$ emImAm| Zo ` 1 H$amo‹S> `m Cggo A{YH$ Ed§ 423 ~¢H$ emImAm| Zo ` 50 bmI go 99 bmI Ho$ ~rM Hw$b àW_ àr{_`_ Am` H$s CnbãX²{Y A{O©V H$s h¡&

I) àË`j {dnUZ

àË`j {dnUZ M¡Zb H$s ñWmnZm AJñV 2009 _| hþB©& Bg M¡Zb H$s ewéAmV 6 BH$mB©`m| Ho$ gmW hþ`r Wr& dV©_mZ _| M¡Zb 119 BH$mB©`m| Ho$ gmW gånyU© Xoe _| H$m`©aV h¡&

Bg _mÜ`_ H$mo ewê$ H$aZo H$m CÔoí` ZB© àUm{b`m| Ho$ Ûmam ì`mdgm{`H$ CËnmXZ, {dH«$` à{H«$`m H$s {ZJamZr Am¡a ì`mnma à{H«$`m hoVw Aà^m{dV ~mOma VH$ nhþ±MZo Am¡a J«mhH$m|, {deofV`m VH$ZrH$s ê$n go AÚVZ `wdm dJ© Am¡a Cƒ Am` dJ© ì`{º$`m| H$mo ~ohVa H«$` AZw^d àXmZ H$amZo go {H$`m J`m h¡&

{dÎm df© 2020-21 _| M¡Zb Zo 97,788 nm°{b{g`m| (Am°ZbmBZ àYmZ_§Ìr d` d§XZm `moOZm Ho$ A§VJ©V nyU© H$s JB© nm°{b{g`m| H$mo {_bmH$a) ` 1,242.86 H$amo‹S> ê$nE àW_ dfu` àr{_`_ Am` H$m ì`dgm` {H$`m&

M¡Zb Ho$ _w§~B© {dbo nmb} pñWV {S>ñQ>Ýg _mH}$qQ>J H|$Ð EZnrEg bm^m{W©`m| Ho$ {bE VËH$mb dm{f©H$s àñVmdm| H$s - Omo EZnrEg \§$S> Ho$ `moJXmZ go àmá hmoVm h¡ Am¡a AÝ` Am°ZbmBZ CËnmXm| go àmá àñVmdm| H$s à{H«$`m H$aVm h¡& {dÎm df© 2020-21 _| EZnrEg Ed_ AÝ` Am°ZbmBZ CËnmXm| Ho$ A§VJ©V 26,118 nm°{b{g`m| VWm ` 588.20 H$amo‹S> àW_ àr{_`_ Am` H$m Zd ì`dgm` {H$`m J`m&

dV©_mZ _| EbAmB©gr Ho$ 9 CËnmX: Q>oH$-Q>_© (Am°ZbmBZ Q>_© `moOZm), EbAmB©gr H¢$ga H$ìha (H¢$ga Ho$ {bE gwajm), EbAmB©gr H$s OrdZ em§{V ({dbpå~V dm{f©H$s `moOZm), OrdZ Aj`-VII (VËH$mb dm{f©H$s `moOZm), {Zdoe ßbg (`y{ZQ> qbŠS> EH$b àr{_`_ ßbmZ), EbAmB©gr H$s grn (`y{ZQ> qbŠS> EH$b àr{_`_ ßbmZ), ~r_m Á`mo{V `moOZm, ~MV ßbg `moOZm Am¡a àYmZ_§Ìr d` d§XZm `moOZm (d[að> ZmJ[aH$m| Ho$ {bE n|eZ `moOZm) CËnmX Am°ZbmBZ IarX Ho$ {bE CnbãY h¢&

20


Bg M¡Zb Ho$ CXXoem| H$mo AmJo ~‹T>mZo VWm _m¡OyXm àË`j {dH«$` H$m`©H$mar (S>rEgB©) Ho$ ì`dgm` d¥{Õ Ho$ {bE {XZm§H$ 01.04.2015 go ""X Mrµ\$ Am°Jm©ZmBga (EbAmB©gr S>m`aoŠQ>) `moOZm, 2015"" H$m ew^ma§^ {H$`m J`m& Mrµ\$ Am°J©ZmBµOa H$mo àË`j {~H«$s gbmhH$mam| (S>rEgE) Am¡a ehar ì`mdgm{`H$ àË`j {~H«$s gbmhH$mam| (CCDSA) H$s ^Vu H$aZo Ho$ {bE A{YH¥$V {H$`m J`m h¡ {OZHo$ _mÜ`_ go VWm dmo ñd`§ Z`m ì`dgm` A{O©V H$a gH$Vm h¡& àdmgZ H$s à{H«$`m nyar hmoZo na, àË`j {~H«$s H$m`©H$mar `moOZm-2010 H$mo 01.04.2019 go ~§X H$a {X`m J`m h¡& 31.03.2021 VH$ h_mao nmg 1,035 Mrµ\$ Am°J©ZmBµOa, 5,714 àË`j {~H«$s gbmhH$ma Am¡a 380 ehar ì`mdgm{`H$ àË`j {~H«$s gbmhH$ma àË`j {dnUZ H$s BH$mB`m| go Ow‹S>o h¢&

BZ g§gmYZm| Ho$ Ûmam 65,333 nm°{b{g`m| Ho$ A§VJ©V Hw$b ` 597.64 H$amo‹S> àW_ àr{_`_ Am` H$m `moJXmZ {X`m J`m& h_ Bg ì`dgm` H$mo M¡Zb Ho$ Am°µ\$bmBZ ì`dgm` Ho$ ê$n _| _mZVo h¢&

J ñdmñÏ` ~r_m

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22


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2020-21 2019-20 2018-19

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_w»` OrdZ ~r_m gbmhH$ma `moOZm, 2008:

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23

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Eb AmB© gr (B§Q>aZ¡eZb) ~r.Eg.gr.(gr), ~harZ:-

OrdZ ~r_m {ZJ_ (A§Vam©ï´>r`) ~r.Eg.gr.(gr), H$mo ~harZ _| EH$ g§`wº$ CÚ_ H§$nZr Ho$ ê$n _| ñWm{nV {H$`m J`m Wm& 23 OwbmB©, 1989 H$mo n[aMmbZ ewê$ hþAm Am¡a ewê$ _| J¡a-{Zdmgr ^maVr`m| (EZAmaAmB©) H$s OrdZ ~r_m Oê$aVm| H$mo nyam {H$`m J`m Am¡a ~mX _| `yEg S>m°ba _| OrdZ ~r_m nm°{bgr Omar H$aVo hþE Im‹S>r _| ñWmZr` {Zdmgr`m| VH$ ~‹T>m {X`m J`m& H§$nZr ~harZ, Hw$d¡V, `w.E.B©. (Xþ~B© Am¡a A~w Ym~r), H$Vma Ed§ Amo_mZ BZ nm±M Im‹S>r Xoemo _| H$m`©aV h¡& H§$nZr Zo 31.12.2020 H$mo g_má {dÎmr` df© Ho$ Xm¡amZ 5,611 nm°{b{g`m± ~oMt, {Og_| ` 755.99 H$amo‹S> H$s àW_ àr{_`_ Am` Wr&

Eb AmB© gr (Zonmb) {b{_Q>oS>:-

^maVr` OrdZ ~r_m {ZJ_ (Zonmb) {b{_Q>oS>, ^maVr` OrdZ ~r_m {ZJ_ Am¡a {demb g_yh Ho$ ~rM EH$ g§`wº$ CÚ_ H§$nZr h¡, {Og_| Zonmb H$s gmd©O{ZH$ {hñgoXmar em{_b h¡ Am¡a BgH$s ñWmnZm 1 {gV§~a 2001 H$mo hþB© Wr& `h EH$ gyMr~Õ H§$nZr h¡ {OgHo$ eoà H$m {d{Z_` Zonmb ñQ>m°H$ EŠgM|O _| hmoVm h¡& H§$nZr Zo 15.07.2020 H$mo g_má {dÎmr` df© Ho$ Xm¡amZ 1,50,629 nm°{b{g`m± ~oMt, {Og_| ` 234.59 H$amo‹S> H$s àW_ àr{_`_ Am` Wr&

Eb AmB© gr (b§H$m) {b{_Q>oS>:-

maVr` OrdZ ~r_m {ZJ_ (b§H$m) {b{_Q>oS>, ^maVr` OrdZ ~r_m {ZJ_ Am¡a ~mQ>©boQ> Q´>m§gH¡${nQ>b {b{_Q>oS> Ho$ ~rM EH$ g§`wº$ CÚ_ H§$nZr h¡ Am¡a Bgo 7 AŠQy>~a 2002 H$mo ñWm{nV {H$`m J`m Wm& H§$nZr Zo 31.12.2020 H$mo g_má {dÎmr` df© Ho$ Xm¡amZ 5,826 nm°{b{g`m± ~oMt, {Og_| ` 13.50 H$amo‹S> H$s àW_ àr{_`_ Am` Wr&

Ho$ZBpÝS>`m Eí`m|aoÝg H§$nZr {b{_Q>oS>

^maVr` OrdZ ~r_m {ZJ_, gmYmaU ~r_m {ZJ_ Ed§ AÝ` Ho$ gh^m{JVm _| g§`wº$ ~r_m CÚ_ - Ho$Z BpÝS>`m Eí`m|aoÝg H§$nZr {b{_Q>oS> H$s ñWmnZm {XZm§H$ 06 {Xgå~a 1978 H$mo H$s JB©& Ho$Z BpÝS>`m H§$nZr OrdZ Am¡a gmYmaU ~r_m XmoZm| Ho$ ì`mnma _| H$m`©aV h¡& H§$nZr Zo 31.12.2020 H$mo g_má {dÎmr` df© Ho$ Xm¡amZ 6,404 nm°{b{g`m± ~oMt, {Og_| ` 318.03 H$amo‹S> H$s àW_ àr{_`_ Am` Wr&

gD$Xr B§{S>`Z H§$nZr µ\$m°a H$mo-Am°nao{Q>d BÝí`moaoÝg:-

gD$Xr B§{S>`Z H§$nZr \$m°a H$mo-Am°nao{Q>d B§í`moa|g (SICCI) (dmµ\$m B§í`moa|g) 7 AJñV, 2007 H$mo ñWm{nV EH$ gD$Xr Om°B§Q> ñQ>m°H$ H§$nZr h¡& ^maVr` OrdZ ~r_m {ZJ_ Am¡a bmB\$ B§í`moa|g H$m°anmoaoeZ (B§Q>aZ¡eZb) ~r.Eg.gr.(gr) ~harZ, H§$nZr _| dV©_mZ _| àËòH$ 4.98% eoà aIVr h¡ Am¡a eof eoà Ý`y B§{S>`m Eí`moa|g H§$nZr, AÝ` Am¡a gD$Xr Aa~ amÁ` H$s OZVm Ho$ nmg h¡& H§$nZr ñWmZr` H$mZyZm| Ho$ AZwgma {dÎmr` nwZJ©R>Z na {dMma H$a ahr h¡&

Eb AmB© gr Am°\$ ~m§½bmXoe {b{_Q>oS>:-

Eb AmB© gr Am°\$ ~m§½bmXoe {b{_Q>oS>, ^maVr` OrdZ ~r_m {ZJ_, ñQ´>¡Q>o{OH$ B{¹$Q>r _¡ZoO_|Q> {b{_Q>oS> Am¡a å`yMwAb Q´>ñQ> ~¢H$ {b{_Q>oS> Ho$ ~rM EH$ g§`wº$ CÚ_ H§$nZr h¡ Am¡a 14.12.2015 H$mo ~m§½bmXoe Ho$ 1994 Ho$ H§$nZr A{Y{Z`_ (A{Y{Z`_ XVIII) Ho$ VhV {ZJ{_V h¡& H§$nZr Zo 31.12.2020 H$mo g_má {dÎmr` df© Ho$ Xm¡amZ 2,101 nm°{b{g`m± ~oMt, {Og_| ` 3.79 H$amo‹S> H$s àW_ àr{_`_ Am` Wr&

c) {dXoer nyU©-ñdm{_Ëd dmbr ghm`H$ H§$nZr:

Eb AmB© gr (qgJmnwa) àmBdoQ> {b{_Q>oS>:-

^maVr` OrdZ ~r_m {ZJ_ H$s nyU© ñdm{_Ëd-dmbr ghm`H$ H§$nZr, Eb AmB© gr (qgJmnwa) àmBdoQ> {b{_Q>oS> H$s ñWmnZm {XZm§H$ 30.4.2012 H$mo H$s JB©& H§$nZr Zo 31.12.2020 H$mo g_má {dÎmr` df© Ho$ Xm¡amZ 52 nm°{b{g`m± ~oMt, {Og_| ` 16.13 H$amo‹S> H$s àW_ àr{_`_ Am` Wr&

11. J«mhH$ g§~§Y à~§YZ (J«m.g§.à.)

Xmdm| H$m {ZnQ>mZ:

J«mhH$ H|${ÐV g§JR>Z Ho$ ê$n _|, h_mam h_oem go `h à`mg ahm h¡ {H$ h_ AnZo Xmdm {ZnQ>mZ {ZînmXZ Ho$ _mZH$ _| ~‹T>moVar H$a| &

24


df© Ho$ Xm¡amZ, {ZJ_ Zo ` 1,61,031.20 H$amo‹S> Ho$ {bE 222.76 bmI Xmdm| H$m (gyú_ ~r_m Am¡a n|eZ Ed§ g_yh `moOZmAm| g{hV) {ZnQ>mZ {H$`m & {nN>bo VrZ dfm] Ho$ {bE Xmdm| Ho$ {ZnQ>mZ g§~§Yr Am§H$‹S>o ZrMo {XE JE h¢:

df©

{ZnQ>mE JE n[an¹$Vm Xmdo {ZnQ>mE JE _¥Ë`w Xmdo

g§»`m (bmI _o)

am{e(` H$amo‹S> _|)

àXÎm à{VeV(g§»`m _|)

g§»`m(bmI _o)

am{e(H$amo‹S> _| )

àXÎm à{VeV(g§»`m _|)

2018-19 249.62 1,45,636.06 92.95 9.92 17,468.43 98.27

2019-20 206.66 1,42,350.76 87.66 9.32 17,419.57 95.44

2020-21 222.76 1,61,031.20 89.83 11.47 24,195.01 98.27

AmJm_r dfm] _| h_mam Ü`mZ Xmdm| Ho$ `Wmg_` {ZnQ>mZ Ed§ Xmdm g§~§Yr _m±Jm| Ho$ Am°ZbmBZ àñVwVrH$aU na H|${ÐV ahoJm&

ZoâQ> Ho$ _mÜ`_ go Xmdm ^wJVmZ

2020-21 Xm¡amZ, EbAmB©gr Zo 1,36,796.37 H$amo‹S> H$s am{e Ho$ {bE 2.23 H$amo‹S> nm°{b{g`m| H$m ^wJVmZ ZoâQ> (ZoeZb BboŠQ´>m°{ZH$ \§$S> Q´>m§g\$a) Ûmam {H$`m, Omo Hw$b ^wJVmZ H$m 100% h¡ &

dm{f©H$s ^wJVmZ :

dm{f©H$s nm°{b{g`m± ~¥ÕmdñWm _| gwa{jV Am¡a Jma§Q>rH¥$V bm^ Ho$ CÔoí` H$mo nyam H$aVr h¢& h_mao nmg 21.61 bmI go A{YH$ nm°{b{g`m± h¢, {OZ_| dm{f©{H$`m| H$m ^wJVmZ {H$`m Om ahm h¡& BZ dm{f©H$s nm°{b{g`m| H$s godm H$m Ü`mZ aIZo Ho$ {bE 8 joÌr` _w»`mb`m| Am¡a 3 _§S>b H$m`m©b`m|, AWm©V Ah_Xm~mX, ~|Jbwê$ Am¡a H$mobH$mVm _| g_{n©V ì`{º$JV n|eZ (AmB©nrnr) H$jm| H$s ñWmnZm H$s JB© h¡& dm{f©{H$`m| H$m ^wJVmZ ZoâQ>/B©grEg Ho$ _mÜ`_ go - grYo dm{f©H$sJ«mhr Ho$ ~¢H$ ImVo _| {H$`m OmVm h¡ &

Xmdm {ddmX {ZdmaU g{_{V :

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~r_m bmoH$nmb

`{X Xmdm g_rjm g{_{V Ûmam Xmdm AñdrH¥${V H$mo ~aH$ama aIm OmVm h¡, Vmo XmdoXma {eH$m`V Ho$ {ZdmaU Ho$ {bE ~r_m bmoH$nmb Ho$ H$m`m©b` go g§nH©$ H$a gH$Vm h¡ &

H$m°b H|$Ð godmE§ :

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J«mhH$ joÌ:

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EbAmB©gr - h¡ën

EbAmB©gr - h¡ën H$s Bg nhb Zo hmb Ho$ {XZm| _| bmoH${à`Vm hm{gb H$s h¡& nm°{bgrYmaH$m| H$mo EbAmB©gr - h¡ën <nm°{bgrZ§~a> '9222492224' na EH$ Eg E_ Eg ôOZm hmoVm h¡& nm°{bgr YmaH$ H$mo EH$ g§X^© g§»`m Ho$ gmW EH$ nmdVr EgE_Eg àmá hmoVm h¡ Am¡a J«mhH$ joÌ Ho$ H$_©Mmar {eH$m`V / àý Ho$ g_mYmZ Ho$ {bE J«mhH$ go g§nH©$ H$aVo h¢& {dÎmr` df© Ho$ {bE 2020-21, Hw$b 2,44,085 EgE_Eg àmá hþE, Am¡a àým| na Vwa§V Ü`mZ {X`m J`m&

25

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J«mhH$m| Ho$ gmW g§Mma:

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àr{_`_ ^wJVmZ Ho$ d¡H$pënH$ M¡Zb:

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I. Am°ZbmBZ ^wJVmZ M¡Zb:

3. J«mhH$ nmoQ>©b ^wJVmZ JoQ>do: àr{_`_, nm°{bgr F$U/ ã`mO Am¡a A{J«_ àr{_`_ H$m ^wJVmZ EbAmB©gr do~gmBQ> (www.licindia.in) na ZoQ> ~¢qH$J gw{dYm, B©-dm°boQ>, So>{~Q> H$mS©>, `ynrAmB©/ ^r_ Ho$ _mÜ`_ go {Z:ewëH$ {H$`m Om gH$Vm h¡& H«o${S>Q> H$mS©> boZ XoZ Ho$ {bE eV] bmJy hmoVr h¢, hmbm§{H$ gw{dYm ewëH$ {ZJ_ Ûmam dhZ {H$`m Om ahm h¡&

4. ~¢H$m| Ho$ _mÜ`_ go àr{_`_ g§J«h: ∙ EpŠgg ~¢H$: àr{_`_ H$m ^wJVmZ {H$gr ^r ~¢H$ emIm `m EpŠgg ~¢H$ Ho$ EŠgQ>|eZ H$mC§Q>a na ZH$X `m EpŠgg ~¢H$ na Amh[aV MoH$ Ûmam {H$`m Om

gH$Vm h¡&

26


∙ {gQ>r `y{Z`Z ~¢H$: àr{_`_ H$m ^wJVmZ {H$gr ^r ~¢H$ emIm `m {gQ>r `y{Z`Z ~¢H$ Ho$ EŠgQ>|eZ H$mC§Q>a na ZH$X `m {gQ>r `y{Z`Z ~¢H$ na Amh[aV MoH$ _| {H$`m Om gH$Vm h¡&

∙ AmB©S>r~rAmB© ~¢H$: 28 \$adar, 2019 go àr{_`_ H$m ^wJVmZ AmB©S>r~rAmB© ~¢H$ emIm AWdm EŠgQ>|eZ H$mC§Q>a na ZH$X `m {H$gr ^r ~¢H$ na Amh[aV MoH$ _| {H$`m Om gH$Vm h¡.

∙ `y{bn Am¡a ñdmñÏ` ~r_m nm°{b{g`m| Ho$ {bE àr{_`_ g§J«hU A^r VH$ ~¢H$m| Ho$ H¡$e H$mC§Q>am| Ho$ _mÜ`_ go Zht hmoVm h¡&

5. \«|$MmBOr Ho$ _mÜ`_ go àr{_`_ g§J«h: {ZåZ{bpIV \«¢$MmBOr H$mo Ho$db ZH$X _| ZdrZrH$aU àr{_`_ EH$Ì H$aZo Ho$ {bE AZw_mo{XV {H$`m J`m h¡:

∙ EnrQ>rAm°ZbmBZ: Am§Y«àXoe Am¡a Vob§JmZm gaH$ma Ho$ {bE EH$ {S>{OQ>b JoQ>do& (do~gmBQ>: www.aponline.gov.in)

∙ E_nrAm°ZbmBZ: _Ü`àXoe gaH$ma Ho$ {bE EH$ {S>{OQ>b JoQ>do& (do~gmBQ>: www.mponline.gov.in)

∙ gw{dYm BÝ\$mogd© àm. {b{_Q>oS>: `h {~b g§J«h Ho$ {bE ApIb ^maVr` g§J«h H|$Ð h¡& {ZewëH$ hoënbmBZ Z§~a: 9223225225

∙ JdZ]g g{d©g B§{S>`m {b{_Q>oS> Ho$ _mÜ`_ go grEggr H|$Ð: gm_mÝ` godm H|$Ð (grEggr) `moOZm amï´>r` B©-JdZ]g `moOZm (EZB©Ornr) H$m EH$ ^mJ h¡& nyao Xoe _| 3.15 bmI go A{YH$ grEggr H|$Ð h¢, {OZ_| go bJ^J 65,000 EbAmB©gr àr{_`_ g§J«h Ho$ {bE g{H«$` {H$E JE h¢& AÝ` g§J«h H|$Ðm| H$mo ^r Yrao-Yrao àr{_`_ g§J«h Ho$ {bE gj_ {H$`m Om ahm h¡& àr{_`_ Ho$db ZH$X _| EH$Ì {H$`m Om gH$Vm h¡, EH$ boZ XoZ _| A{YH$V_ ` 50,000 VH$ _mÝ` h¡& g§J«h H|$Ðm| Ûmam Vwa§V d¡Y agrX| Omar H$s OmVr h¢&

nm°{bgrYmaH$m| Ûmam Bg gw{dYm H$m bm^ CR>mZo Ho$ {bE g§J«h H|$Ð H$mo H$moB© godm ewëH$ XoZo H$s Amdí`H$Vm Zht h¡& hmbm§{H$, `y{bn, ñdmñÏ` Am¡a B©Q>_© Zr{V`m| Ho$ {bE àr{_`_ g§J«h A^r VH$ Bg M¡Zb Ho$ _mÜ`_ go gj_ Zht h¡&

∙ noQ>rE_ Eon: 5 Aà¡b, 2019 go àr{_`_ H$m ^wJVmZ noQ>rE_ Eon Ho$ _mÜ`_ go, dm°boQ>, ZoQ> ~¢qH$J, So>{~Q> H$mS©>, H«o${S>Q> H$mS©> `m `ynrAmB©/ ^r_ Ho$ _mÜ`_ go {H$`m Om gH$Vm h¡& d¡Y àr{_`_ ^wJVmZ agrX '_mB© Am°S©>g©' Q>¡~ Ho$ VhV noQ>rE_ Eon _| hr CnbãY hmoJr& H«o${S>Q> H$mS©> Ho$ {bE A{YH$V_ gr_m ` 1,00,000/- à{V boZ XoZ h¡&

∙ B§ñQ>mno: ^maV _| g^r ~¢qH$J ßboQ>\$m°_© na CnbãY gm_mÝ` eãX 'B§ñQ>mno godm' Ho$ VhV {dH$ën H$mo 11 _mM© 2019 go {~bSo>ñH$ Ho$ _mÜ`_ go EH$sH¥$V {H$`m J`m h¡& àr{_`_ H$m ^wJVmZ Ho$db ZoQ> ~¢qH$J _moS> Ho$ _mÜ`_ go {H$`m Om gH$Vm h¡& dV©_mZ _| `h godm 24 AZwgy{MV ~¢H$m| Ho$ _mÜ`_ go àXmZ H$s OmVr h¡& boZ-XoZ Ho$ g\$b g_mnZ Ho$ Vwa§V ~mX {~bSo>ñH$ Ûmam d¡Y B©-agrX| Omar H$s OmVr h¢&

∙ \$moZno: nm°{bgrYmaH$m| Ho$ {bE CnbãY {S>{OQ>b ßboQ>\$m°_© H$s gw{dYm H$mo ~‹T>mZo Ho$ {bE 01.11.2019 go \$moZno Eon Ho$ _mÜ`_ go ZdrZrH$aU àr{_`_ H$m ^wJVmZ {H$`m Om gH$Vm h¡& ^wJVmZ Ho$ g_` Xr JB© B©_ob AmB©S>r na d¡Y agrX ôOr OmEJr& Eon_| 'B{Vhmg' Q>¡~ Ho$ VhV agrX ^r {_boJr&

∙ JyJb-no: 21.01.2020 go `ynrAmB© Ûmam JyJb-no Eon Ho$ _mÜ`_ go ZdrZrH$aU àr{_`_ H$m ^wJVmZ {H$`m Om gH$Vm h¡& ^wJVmZ Ho$ g_` Xr JB© B©_ob

AmB©S>r na d¡Y agrX ôOr OmEJr&

∙ Eo_oµOm°Z-no: {XZm§H$ 11.06.2020 go Eo_oµOm°Z-no Eon Ho$ _mÜ`_ go ZdrZrH$aU àr{_`_ H$m ^wJVmZ {H$`m Om gH$Vm h¡& ^wJVmZ Ho$ g_` Xr JB© B©_ob AmB©S>r na d¡Y agrX ôOr OmEJr&

∙ _mo{~{¹$H$: _mo{~{¹$H$ Ho$ _mÜ`_ go ZdrZrH$aU àr{_`_ H$s dgybr ^r 12.02.2021 go ewê$ H$a Xr JB© h¡&

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27

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6. gr{Zà {~OZog Egmo{gEQ²g (Eg~rE) Ho$ _mÜ`_ go àr{_`_ g§J«h: Eg~rE Zm_ go OmZo dmbo M`{ZV {dH$mg A{YH$mar, Am°ZbmBZ ZH$X Am¡a MoH$ XmoZm| _| àr{_`_ EH$Ì H$aZo Am¡a Vwa§V agrX Omar H$aZo Ho$ {bE A{YH¥$V h¢& B©-Q>_© H$mo N>mo‹S>H$a g^r gm_mÝ` BZ-\$mog© nm°{b{g`m| Ho$ {bE àr{_`_ EH$Ì {H$`m Om gH$Vm h¡& dV©_mZ _|, 3,913 Eg~rE àr{_`_ EH$Ì H$aZo _| gj_ h¢& CZHo$ g§J«h H|$Ðm| H$mo 'bmB\$ßbg' H$hm OmVm h¡&

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8. godm {Zd¥Îm H$_©Mm[a`m| Ho$ _mÜ`_ go àr{_`_ g§J«h: M`{ZV godm {Zd¥Îm EbAmB©gr H$_©Mmar ^r Am°ZbmBZ àr{_`_ EH$Ì H$aZo Am¡a Vwa§V agrX Omar H$aZo Ho$ {bE A{YH¥$V h¢& dV©_mZ _|, 367 godm {Zd¥Îm H$_©Mmar B©-Q>_© ßbmZ H$mo N>mo‹S>H$a, g^r gm_mÝ`, Mmby nm°{b{g`m| Ho$ {bE àr{_`_ EH$Ì H$aZo Ho$ {bE Xoeâ _| A{YH¥$V h¢&

9. EbAmB©gr E (EbAmB©gr Egmo{gEQ²g) Ho$ _mÜ`_ go àr{_`_ g§J«h: EbAmB©gr E (godm {Zd¥Îm {dH$mg A{YH$mar) ^r Am°ZbmBZ àr{_`_ EH$Ì H$aZo Am¡a '~r_m H$ZoŠQ>' Zm_H$ AnZo g§J«h H|$Ðm| na Vwa§V agrX Omar H$aZo Ho$ {bE A{YH¥$V h¢& dV©_mZ _|, Xoeâ _| 121 EbAmB©gr E B©-Q>_© ßbmZ H$mo N>mo‹S>H$a g^r gm_mÝ`, bmJy nm°{b{g`m| Ho$ {bE àr{_`_ EH$Ì H$aZo Ho$ {bE A{YH¥$V h¢&

10. _w»` Am`moOH$m| Ho$ _mÜ`_ go àr{_`_ g§J«h: _w»` Am`moOH$m| H$mo Am°ZbmBZ àr{_`_ EH$Ì H$aZo Am¡a Vwa§V agrX Omar H$aZo Ho$ {bE ^r A{YH¥$V {H$`m OmVm h¡& dV©_mZ _|, Xoeâ _| 110 _w»` Am`moOH$ B©-Q>_© ßbmZ H$mo N>mo‹S>H$a g^r gm_mÝ`, bmJy nm°{b{g`m| Ho$ {bE àr{_`_ EH$Ì H$aZo Ho$ {bE A{YH¥$V h¢&

11. EbAmB©gr _mo~mBb EpßbHo$eZ: AmB©AmoEg Am¡a E§S´>m°BS> ßboQ>\$m°_© na S>mCZ bmoS>H$a Zo `mo½` EbAmB©gr _mo~mBb EpßbHo$eZ MyLIC (_mB©-EbAmB©gr) H$m Cn`moJ H$a Ho$ àr{_`_ H$m Am°ZbmBZ ^wJVmZ {H$`m Om gH$Vm h¡&

12. nrAmoEg _erZm| na àr{_`_ H$m ^wJVmZ: nm°{bgrYmaH$m| Ûmam ZdrZrH$aU àr{_`_ H$m ^wJVmZ A{YH¥$V EO|Q>m| Ho$ M`{ZV emImAm| Am¡a àr{_`_ nm°B§Q²g na ñWm{nV nrAmoEg _erZm| na So>{~Q>H$mS©> ñdmBn H$a Ho$ {H$`m Om gH$Vm h¡&

13. Am°ZbmBZ ES>dm§g àr{_`_: OwbmB© 2018 go www.licindia.in J«mhH$ nmoQ>©b na Am¡a MyLIC Eon Ho$ _mÜ`_ go g§^d h¡& nm°{bgrYmaH$ dV©_mZ {dÎmr` df© Ho$ {bE Am¡a AJbo {dÎmr` df© Ho$ {bE àr{_`_ H$s Xo` {V{W go A{YH$V_ VrZ _hrZo nhbo àr{_`_ O_m H$a gH$Vm h¡& A{J«_ àr{_`_ Ho$ {bE O_m agrX g¥{OV H$s OmEJr& {Z`V {V{W na A{J«_ O_m am{e Ho$ {déÕ g_m`moOZ {H$`m OmEJm Am¡a B©-agrX nm°{bgrYmaH$ Ûmam n§OrH¥$V B©_ob AmB©S>r na ôOr OmEJr&

`y{ZQ> qbŠS> B§í`moa|g ßbmZ (ULIP)

`y{ZQ> qbŠS> B§í`moa|g ßbmZ EbAmB©gr Ho$ CËnmX nmoQ>©\$mo{b`mo _| bJ^J Xmo XeH$m| go CnbãY h¢ Am¡a Bg Ad{Y Ho$ Xm¡amZ H$B© Vah H$s `moOZmE§ noe H$s JBª& Bg Ad{Y Ho$ Xm¡amZ àmá hþE AZw^d Am¡a àm¡Úmo{JH$s _| àJ{V H$m bm^ boZo Ho$ AmYma na, `y{bn Zr{V`m| go g§~§{YV H$m`m] H$mo H|$ÐrH¥$V H$aZo H$m {ZU©` {b`m J`m& EbAmB©gr Ho$ Ý`y E§S>mo_|Q> ßbg Ho$ VhV g^r nm°{b{g`m| Ho$ _mBJ«oeZ Ho$ ~mX `h àmoOoŠQ> df© 2019 _| nyam hþAm, Omo _mBJ«oeZ H$s VmarI H$mo {~H«$s Ho$ {bE CnbãY EH$ _mÌ ßbmZ Wm& Bg Ho$ ~mX bm°ÝM H$s JB© g^r ZB© `moOZmAm| H$mo ZB© àUmbr _| Omo‹S>m J`m, {Oggo ZE goQ>An _| Hw$b `moOZmAm| H$s g§»`m Mma hmo JB©& H$m`©H«$_ Ho$ {hñgo Ho$ ê$n _|, `y{ZQ> \§$S> go g§~§{YV g§MmbZ Ho$ Abmdm, `y{bn nm°{b{g`m| go nm°{bgrYmaH$m| H$mo ^wJVmZ Am¡a CgHo$ boIm§H$Z H$mo ^r H|$ÐrH¥$V {H$`m J`m Wm& ZB© àUmbr Ho$ _mÜ`_ go df© Ho$ Xm¡amZ bJ^J 3,575 boZ XoZ go CËnÞ {d{^Þ àH$ma Ho$ ^wJVmZ O¡go, _¥Ë`w Xmdm, Hy$qbJ Am°\$, g_md{Y nyd© g_mnZ Am¡a g_n©U Ho$ VhV ` 43.65 H$amo‹S> H$s am{e H$m {ZnQ>mam {H$`m J`m& df© 2020-21 Ho$ A§V VH$, ZB© àUmbr _| go {dV nm°{b{g`m| H$s Hw$b g§»`m bJ^J 1,66,500 h¡&

J«mhH$ nmoQ>©bEbAmB©gr Ho$ nmg h_mao J«mhH$m| Ho$ {bE EH$ g_{n©V nmoQ>©b h¡, {Ogo h_mar do~gmBQ> Ho$ _mÜ`_ go EŠgog {H$`m Om gH$Vm h¡& H$moB© ^r J«mhH$ h_mao nmoQ>©b _| EH$ ~w{Z`mXr godm J«mhH$ Ho$ ê$n _| `m EH$ àYmZ godm J«mhH$ Ho$ ê$n _| gab n§OrH$aU à{H«$`m H$m nmbZ H$aHo$ n§OrH$aU H$a gH$Vm h¡& {OZ J«mhH$m| Zo ~w{Z`m Xr godmAm| Ho$ {bE n§OrH$aU H$am`m h¡, do {ZåZ{bpIV godmAm| H$m bm^ CR>m gH$Vo h¢:

∙ àr{_`_ H$m ^wJVmZ/F$U ã`mO/F$U MwH$m¡Vr ∙ àr{_`_ H$m A{J«_ ^wJVmZ ∙ àr{_`_ ^wJVmZ à_mUnÌ

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∙ Zr{V pñW{V/F$U pñW{V/Xmdm pñW{V ∙ nwZM©bZ H$moQ>oeZ ∙ Am°ZbmBZ agrX _wÐU ∙ àr{_`_ H¡$b|S>a/nm°{bgr eoS>çyb XoI| ∙ n¡Z n§OrH$aUHo$ {bE n§OrH$aU AZwamoY ∙ EZB©E\$Q>r n§OrH$aU Ho$ {bE n§OrH$aU AZwamoY

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∙ nm°{bgr ~m°ÝS> Ed§ àñVmd nÌ N>{d XoIZm ∙ Xmdm B{Vhmg XoIZm ∙ Am°ZbmBZ F$U Ho$ {bE n§OrH$aU AZwamoY ∙ nVo Ho$ Am°ZbmBZ n[adV©Z Ho$ {bE n§OrH$aU AZwamoY ∙ Am°ZbmBZ pñdqMJ ∙ _moS> H$m Am°ZbmBZ n[adV©Z

h_mao g^r J«mhH$m| Ho$ {bE {~Zm {H$gr n§OrH$aU H$s Amdí`H$Vm Ho$ àr{_`_ ^wJVmZ H$s gw{dYm Omar h¡& EbAmB©gr Ho$ nmg E§S´>m°BS> Am¡a AmB©AmoEg O¡go ßboQ>\$m_m] Ho$ {bE AbJ-AbJ _mo~mBb EpßbHo$eZ h¢, {OZH$m Cn`moJ H$a Ho$ D$na d{U©V g^r godmAm| H$m bm^

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nm°{bgr YmaH$m| H$mo àXmZ H$s OmZo dmbr godmE§:

EbAmB©gr Xoe Ho$ {H$gr ^r emIm H$m`m©b` _| AnZo J«mhH$m| H$mo H$B© àH$ma H$s godmE§ àXmZ H$aVm h¡& H$moB© ^r J«mhH$ h_mao {H$gr ^r emIm H$m`m©b` _| OmH$a {ZåZ{bpIV godmAm| H$m bm^ CR>m gH$Vm h¡

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E§Q>aàmBµO XñVmdoµO à~§YZ àUmbr (B©S>rE_Eg)

2007 _| g^r nm°{bgr S>m°Ho$Q> Ho$ gmW àemg{ZH$ Am¡a EO|gr XñVmdoOm| H$s EH$ _O~yV N>{d ^§S>ma àXmZ H$aZo H$s BÀN>m go EbAmB©gr H$s B©S>rE_Eg n[a`moOZm ewê$ hþB©, Omo {d{^Þ ñWmZm| na EH$ go A{YH$ A{YH¥$V Cn`moJ H$Vm©Am| H$mo EH$ gmW H$ht go ^r N>{d`m| H$mo XoIZo H$s gw{dYm àXmZ H$aVr h¡& EbAmB©gr J«mhH$ nmoQ>©b Ho$ {bE àr{_`a godm Cn`moJ H$Vm© AnZo J«mhH$ nmoQ>©b bm°{JZ Ho$ _mÜ`_ go AnZr ~r_m nm°{bgr H$s B©S>rE_Eg N>{d`m| H$mo XoI gH$Vo h¢&

31.03.2021 VH$, bJ^J 55.6 H$amo‹S> nm°{bgr S>m°Ho$Q> Am¡a 30.9 H$amo‹S> B§H«$s_|Q>b XñVmdoOm| H$mo ñH¡$Z {H$`m J`m h¡& df© 2020-21 _|, bm°H$S>mCZ à{V~§Ym| Ho$ ~mdOyX, nyao ^maV _| bJ^J 2.23 H$amo‹S> nm°{bgr S>m°Ho$Q> Am¡a 2.03 H$amo‹S> d¥{Õerb XñVmdoOm| H$mo ñH¡$Z {H$`m J`m&

29

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30


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2007-08 2,616 394 96 27 NIL 4

2008-09 4,555 982 174 13 1 2

2009-10 6,897 1,473 108 13 1 3

2010-11 9,553 1,919 384 20 NIL 5

2011-12 12,350 2,242 160 14 1 3

2012-13 13,536 2,425 619 13 2 6

2013-14 14,665 2,474 283 5 3 3

2014-15 15,047 2,281 303 NIL NIL NIL

2015-16 16,424 2,784 462 NIL NIL NIL

2016-17 14,358 2,479 356 2 NIL NIL

2017-18 12,937 2,242 292 NIL NIL NIL

2018-19 12,653 2,184 347 NIL NIL NIL

2019-20 16,605 1,987 318 NIL NIL NIL

2020-21 11,911 1,849 262 NIL NIL NIL

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2. Amdí`H$Vm AZwgma à{ejU Cnb~Õ H$admZm&

3. ñd`§ grIZo Ho$ _m°S>çyb H$mo {dH${gV H$aZm&

4. A{YH$m[a`m| H$mo g_H$mbrZ VH$ZrH$ Ho$ {bE V¡`ma H$aZm&

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34


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EbAmB©gr H$s eVa§O Q>r_ Zo Am°ZbmBZ "àW_ H$m°nm}aoQ> dëS©> Mog à{V`mo{JVm, 2021' _| ^mJ {b`m {Og_o ¹$m{b\$mBªJ amC§S> _| Vrgam ñWmZ hm{gb {H$`m&

16. à~ÝY {dH$mg Ho$ÝÐ …

H$mo{dS> _hm_mar Zo ñWm{nV à~§YH$s` naånamAm| H$mo MwZm¡Vr Xr, {Oggo Ka go H$m_ H$aZo `m H$ht go ^r H$m_ H$aZo H$m _mJ© àeñV hþAm& g§nH©$ a{hV {~H«$s Am¡a godm ZE AmXe© ~Z J`o&

H$‹S>r à{VñnYm©, VoOr go ~XbVr VH$ZrH$ Am¡a J«mhH$m| H$s ~‹T>Vr AnojmAm| Ho$ Bg `wJ _|, Ho$db EH$ grIZodmbr g§ñWm hr CÞ{V H$a gH$Vr h¡& _mZd g§gmYZ H$m à{ejU g§ñWm H$mo ~mOma _| à{VñnYu ~‹T>V XoVm h¡&

à~§Y {dH$mg Ho$ÝÐ, {ZJ_ Ho$ gdm}ƒ à{ejU H|$Ð H$mo {ZJ_ Ho$ _Ü`_ Am¡a d[að> ñVa Ho$ A{YH$m[a`m| H$s XjVm ~‹T>mZo H$m H$m_ gm¢nm J`m h¡& à~§Y {dH$mg Ho$ÝÐ H$mo AmB©Eg / AmB©EgAmo 9001: 2015 à_m{UV à{ejU g§ñWmZ hmoZo H$m Jm¡ad àmá h¡& à~§Y {dH$mg Ho$ÝÐ H$m `h {Za§Va à`mg h¡ {H$ g§JR>ZmË_H$ Amdí`H$VmAm| Ed§ {d{^Þ b{jV g_yhm| Ho$ A{YH$m[a`m| H$s à{ejU Amdí`H$VmAm| H$mo Ü`mZ _| aIVo hþE Hw$ebVmnyd©H$ H$V©ì`m| H$m {Zd©hZ H$aZo, ~mOma H$s MwZm¡{V`m| H$m gm_Zm H$aZo Am¡a J«mhH$m| H$s AnojmAm| H$mo nyam H$aZo Ho$ {bE Amdí`H$ H$m¡eb Ed§ gdm}Îm_ à{ejU BZnwQ> àXmZ H$aZm&

_hm_mar Ho$ H$maU, df© Ho$ Xm¡amZ Am°ZbmBZ à{ejU gÌ Am`mo{OV {H$E JE Wo& `h MwZm¡Vr à{V^m{J`m| Ho$ gmW _wº$ Am¡a Iwbr àUmbr _| ~mVMrV H$aZo Ho$ {bE EH$ Xþb©^ Adga _| ~Xb J`m, Ohm§ gm_J«r H$s ^y{_H$m gdm}ÀM hmo OmVr h¡& EH$ à{ejw {Oggo H$moB© ^m¡{VH$ g§nH©$ Zht h¡, Cgo Ho$db gmW©H$ gm_J«r Ho$ Ûmam hr CgH$s é{M ~Zm`o aIr Om gH$Vr h¡& 95 Am°ZbmBZ à{ejU gÌ Am¡a 61 ì`{º$JV drgr Am`mo{OV {H$E JE& Hw$b 8,423 A{YH$m[a`m| H$mo à{e{jV {H$`m J`m, 2019-20 Ho$ Xm¡amZ 6,118 A{YH$m[a`m| Zo à{ejU àmá {H$`m Wm {Oggo 37.68% H$s d¥{Õ hþB©& ES>dm§g b{ZªJ VH$ZrH$m| O¡go ìhmQ²gEn Ho$ O[aE J«wn {S>ñH$eZ aIZo, Am°ZbmBZ Am°naoe§g Ho$ {bE à{VñnYm© H$m dmVmdaU V¡`ma H$aZm, _mo~mBb Eßg H$mo bmoH${à` ~ZmZo H$m Cn`moJ g\$bVmnyd©H$ {H$`m J`m& _mH}$qQ>J Am¡a g{d©qgJ go g§~§{YV {df`m| na 5 emoY nÌ àH$m{eV {H$E JE&

17. amO^mfm H$m`m©Ýd`Z

1) {ZJ_ H$mo amO^mfm Ho$ joÌ _| CËH¥$ï> H$m`© H$aZo hoVw 'ZJa amO^mfm H$m`mªd`Z g{_{V' _wå~B© Ûmam àepñV nÌ àXmZ H$a gå_m{ZV {H$`m J`m&

2) {ZJ_ Ho$ 32 H$m`m©b`m| H$mo ^maV gaH$ma, J¥h _§Ìmb` Ed§ ZJa amO^mfm H$m`m©Ýd`Z g{_{V`m|Ûmam {d{^Þ nwañH$mam| go gå_m{ZV {H$`m J`m&

36


3) {ZJ_ Ho$ H$m{_©H$m| H$mo amO^mfm {hÝXr H$m AmYma^yV kmZ go boH$a H$m`©gmYH$ kmZ VH$ H$s OmZH$mar àXmZ H$aZo Ho$ {bE kmZnrR> _moS>çyb _o à~moY, àdrU VWm àmk nmR>`H«$_ H$mo CnbãY H$am`m J`m&

4) g§nyU© ^maVdf© _| 409 H$m`©embmE§ Am`mo{OV H$s J`r d Hw$b 10,997 H$m{_©H$m| H$mo à{e{jV {H$`m J`m&

5) "H$' joÌpñWV H$m`m©b`m| Ûmam bJ^J 3.45 H$amo‹S> J«mhH$m| H$mo Eg.E_.Eg. qhXr _| ôOo JE&

6) Ho$ÝÐr` H$m`m©b` amO^mfm {d^mJ Ûmam à{V gámh àoaH$ bKw H$Wm H$m àofU Amaå^ {H$`m J`m&

7) Ho$ÝÐr` H$m`m©b` amO^mfm {d^mJ Ûmam à{V{XZ AmO H$m {hÝXr eãX n`m©`dmMr g{hV, AmO H$s {hÝXr {Q>ßnUr d gw{dMma àofU {H$`m Om ahm h¡&

8) Ho$ÝÐr` H$m`m©b` amO^mfm {d^mJ Ûmam à{V _mh àoaUmñnX 'AmboI' H$m àH$meZ {H$`m Om ahm h¡&

9) {ZJ_ nVm nwpñVH$m, B§Q>aH$m_ gyMr, hm°Q> bmBZ gyMr H$m {Û^mfrH$aU H$aHo$ OrdZ g§Mma na CnbãY H$am`m J`m&

18. A{^`m§{ÌH$s H$m`©H$bmn…

Bg df© Ho$ Xm¡amZ {ZJ_ Zo 3 emIm H$m`m©b`m| (dm{e_, `_wZmZJa Am¡a CBO IV _¡gya) Ed§ 8 Amdmgr` BH$mB©`m| (5 dm{e_ _| Am¡a 3 _¡gya _|) H$m {Z_m©U Xoe â _| {H$`m& Xoe â _| _ÊS>b H$m`m©b` ^wdZoœa, {d{^Z ñWmZm| na 9 emIm H$m`m©b`m| Am¡a 90 A{YH$mar Amdmg ^dZ, goëg Q´>oqZJ g|Q>a dma§Jb Am¡a ~aobr Ed§ {Zdoe ^dZ bIZD$, {JâQ> {g{Q> Jm§YrZJa Am¡a B© E_ ~mBnmg H$mobH$mVm H$m {Z_m©U H$m`© àJ{V na ho& bw{Y`mZm Am¡a B§Xm¡a Ho$ {Zdoe ^dZ VWm {^bmB© _| goëg Q´>oqZJ g|Q>a Ho$ {Z_m©U H$m`© Ho$ {bE `moOZm àmaå^ H$s h¡& 31.03.2020 VH$ ê$\$Q>m°n gm¡a nrdr H$s ñWm{nV j_Vm 2,184 KWp Wr Am¡a {dÎm df© 2020-21 _| 955 KWp Omo‹S>r JB© h¡&

Zd{Z{_©V _§S>b H$m`m©b` II gh {Zdoe ^dZ, O`nwa H$mo IGBC Ûmam J«rZ {~pëS§>J loUr _| ñdU© aoqQ>J go gå_m{ZV {H$`m J`m h¡&

19. gånXm/gm.ì`.B©.

Bg df© {XZm§H$ 31.03.2021 H$mo {ZJ_ H$s gånXm go amOñd ` 361.56 H$amo‹S> ahm, {Og_| JV df© Ho$ amOñd H$s VwbZm _| 0.65% ~‹T>moVar h¡&

{dÎmr` df© 2020-21 _|, 2 ^yI§S> IarXo JE, {OZ_| go 1 X{jU joÌr` H$m`m©b` Ûmam IarXm J`m VWm 1 CÎma _Ü` joÌr` H$m`m©b` Ûmam IarXm J`m& BZ ^yI§S>m| H$m Hw$b joÌ\$b 36,177.9 dJ© \y$Q> h¡ Am¡a Hw$b bmJV ` 11.99 H$amo‹S> h¡& BgHo$ Abmdm, n{ü_ joÌr` H$m`m©b` Ûmam 1 V¡`ma g§n{Îm IarXr J`r& Bg g§n{Îm Ho$ ^yI§S> H$m joÌ\$b 2,878.36 dJ© _rQ>a h¡ VWm ^yI§S> na {Z{_©V ^dZ H$m Hw$b joÌ\$b 10,189.75 dJ© _rQ>a h¡& Bg g§n{Îm H$s Hw$b bmJV ` 380 H$amo‹S> h¡&

20. gyMZm àm¡Úmo{JH$s

EbAmB©gr Zo bmJy {H$`m h¡:

1. Xmo Am°Z-{à_mBgog {ZOr ŠbmCS>, EH$ gm_mÝ` à`moOZ Ho$ AZwà`moJm| Ho$ {bE Am¡a Xÿgam {deof ê$n go `y{bn `moOZmAm| hoVw H$m`m©pÝdV {H$ò JE h¢&

2. Am§V[aH$ Am¡a ~mhar à{V^m{J`m| Ho$ Am^mgr ~¡R>H$m| Ed§ gå_obZm| Ho$ {bE EH$ {d{eð> dr{S>`mo H$m°Ý\«|$qgJ ì`dñWm bmJy {H$`m h¡&

3. ZoQ>dH©$ A{VaoH$Vm gw{Z{üV H$aZo Ho$ {bE g^r H$m`m©b`m| H$s ZoQ>d{Hª$J H$mo Xmo godm àXmVmAm| Ho$ _mÜ`_ go n`m©á ~¢S>-{dS²W dmbo E_nrEbEg qbH$m| H$m àmdYmZ {H$`m J`m h¡&

4. B§Q>aZoQ> Ho$ g_j AZwà`moJm| Ho$ {bE B§Q>aZoQ> no[a_rQ>a JoQ>do ZoQ>dH©$ gwajm gw{Z{üV H$aZo Ho$ {bE µ\$màdm°b bmJy {H$`m J`m h¡ gmW hr ZoQ>dH©$ ~rgrnr Ho$ A§VJ©V gwa{jV drnrEZ gw{dYm Ho$ _mÜ`_ go ''dH©$ \«$m°_ hmo_'' H$mo CnbãY {H$`m J`m h¡&

5. B§Q>aZoQ> Ho$ _mÜ`_ go hmo aho ìhmë`w_o{Q´>H$ h_bm| H$m gm_Zm H$aZo Ho$ {bE S>rS>rAmoEg g_mYmZ H$m`m©pÝdV {H$`m J`m h¡&

6. gwajm bm°J Ho$ à~§YZ Ed§ ghg§~§Y Ho$ {bE gwajm gyMZm Ed§ J{V{d{Y à~§YZ (EgAmB©B©E_) g_mYmZ bmJy {H$`m h¡, gwajm J{V{d{Y`m| go g§~§{YV MoVmdZr H$mo CËàoaH$ H$aZo Ed§ EgAmogr g§MmbZ H$mo gw{dYmOZH$ ~ZmZo H$m H$m`© bmJy h¡&

7. AZwà`moJm| Ho$ {bE gwa{jV A{^J_ {Z`§ÌUm| H$mo gw{Z{üV H$aZo Ho$ {bE 2E\$E qµ\$JaqàQ> ~m`mo_o{Q´>H$ à_mUrH$aU àUmbr bmJy H$s JB© h¡&

8. So>Q>m doàhmCg H$mo CÚ_ {ZU©` g_W©Z Ho$ hoVw Cn`moJ {H$`m OmVm h¡ VWm ò {Z`m_H$ [anmoQ>m] Ho$ {bE BZnwQ> àXmZ H$aVm h¡&

9. B§Q>aZoQ> na àX{e©V do~gmBQ>m| Ho$ {bE Am°ZbmBZ do~ ñH¡$qZJ godmE§ bmJy H$s JB© h¢&

^maVr` OrdZ ~r_m {ZJ_ Ûmam {ZåZ à`moOZm| hoVw H$X_ CR>mE h¢ :

1) AmB©AmaS>rEAmB© Ûmam {ZYm©[aV '~r_mH$Vm©Am| Ho$ {bE gyMZm Am¡a gmB~a gwajm g§~§Yr {Xem{ZX}em|' H$m AZwnmbZ H$aZm& g^r H$_©Mm[a`m| Ho$ {bE gyMZm Am¡a gmB~a gwajm OmJê$H$Vm na g_`-g_` na à{ejU H$s ì`dñWm H$s OmVr h¡&

37

64dm{f©H [anmoQ©

dt

2) AmB©AmaS>rEAmB© H$s Amdí`H$VmAm| VWm A§Vambm| {Za§Va AmYma na nhMmZ H$a ßbJ H$aZm VWm H$m°pÝµ\$JaoeZ Am°{S>Q>, ôÚVm _yë`m§H$Z, no{ZQ´>oeZ narjU, gwa{jV ZoQ>dH©$ Am{H©$Q>oŠMa g_rjm, AZwà`moJ gwajm Am¡a gwa{jV H$moS> g_rjm H$mo H$m`m©pÝdV H$aZm&

3) gwajm g§MmbZ H|$Ð (EgAmogr) H$s ñWmnZm H$s Om ahr h¡&

gm°âQ>doà {dH$mg

AmYw{ZH$ ì`dgm` H$m n[aÑí` àm¡Úmo{JH$s Ûmam g§Mm{bV {H$`m Om ahm h¡ Am¡a `h EbAmB©gr _| ^r EH$ AgmYmaU ^y{_H$m {Z^mVm h¡& àm¡Úmo{JH$s Ho$ joÌ _| EbAmB©gr h_oem {ZJ_ Ho$ g^r H$m`m] H$mo nyam H$aZo Ho$ {bE dV©_mZ gmYZ H$m bm^ CR>mZo _| ZdrZVm bmZo dmbm ahm h¡&

H$mo{dS> Ho$ H$maU dV©_mZ pñW{V _| ^r {ZJ_ Ho$ AmB©Q>r EgS>r {d^mJ Zo g{H«$` ^y{_H$m {Z^mB© h¡& Bg {d^mJ Zo XÿaXamO Ho$ H$_©Mm[a`m| H$mo E§Q>aàmBµO-ñVa H$m AZw^d XoZo Ho$ {bE nhbo go hr àm¡Úmo{JH$s Ho$ ~w{Z`mXr T>m§Mo H$m CÞ`Z Am¡a narjU H$a ahm h¡ Am¡a `h g~ {~Obr H$s J{V go hmo ahm h¡& {ZJ_ H$_©Mm[a`m| Ho$ ~ohVa AZw^d Ho$ {bE H$m_ H$a ahm h¡, Omo A~ J«mhH$ AZw^d Ho$ g_mZ hr _hËdnyU© h¡& dV©_mZ g_` _| h_mam {deof Ü`mZ ZdrZV_ H$m`© AZw^d Ho$ {bE g§Mma Am¡a gh`moJ H$mo AmgmZr go CnbãY H$amZo na h¡& h_mam {ZJ_ ^maV gaH$ma Am¡a AÝ` {Z`m_H$ g§ñWmAmo Ûmam {ZYm©[aV {S>{OQ>b CnH«$_m| H$mo AmJo ~‹T>mZo Ho$ {bE à{V~Õ h¡&

EbAmB©gr ~hþV nhbo hr ""nm°{bgr g§~§Yr OmZH$mar"" Am¡a gmW hr ""àr{_`_ H$m ^wJVmZ - H$ht ^r H$^r ^r"" H$mo g§^d ~Zm`m h¡& àr{_`_ O_m H$aZm, H$µO© H$s AXm`Jr `m H$µO© Ho$ ã`mO H$m ^wJVmZ H$aZo Ho$ {dH$ën {d{^Þ {S>{OQ>b ßboQ>\$m°_© O¡go noQ>rE_ (S>màoŠQ>), \$moZ no Am¡a JyJb no ({~bSo>ñH$ Ûmam) Am{X Ho$ _mÜ`_ go Iwbo h¢ Omo Bg dV©_mZ bm°H$S>mCZ H$s pñW{V _| J«mhH$m| H$mo EH$ naoemZr a{hV AZw^d àXmZ H$aVm h¡& ZdrZrH$aU àr{_`_ Am¡a Z`m àñVmd Ho$ {bE O_m am{e H$m ^wJVmZ H$aZo Ho$ {dH$ën ^r àr{_`_ nm°BªQ> Ho$ _mÜ`_ go CnbãY {H$`m J`m h¡, {OgHo$ VhV àr{_`_ Am¡a Z`m àñVmd gm_m{OH$ Xÿar Ho$ _mZX§S>m| H$m nmbZ H$aVo hþE O_m {H$E Om gH$Vo h¢&

dV©_mZ n[apñW{V _| AmB©Q>r EgS>r {d^mJ Ûmam H$s JB© à_wI nhb {ZåZ{bpIV h¢:

1. Ka-go-H$m_ H$aZo H$s gw{dYm: {d^mJr` Am¡a joÌr` A{YH$m[a`m| H$mo AnZo Ka go hr à_wI AmB©Q>r EpßbHo$eZ H$mo A{^{Z`mo{OV H$aZo H$s gw{dYm VWm emIm H$m`m©b`, {d^mJr` Am¡a joÌr` A{YH$m[a`m| H$mo Ka go hr X¡{ZH$ _hËdnyU© H$m`© H$aZo H$s gw{dYm h¡& nyao ^maV _| So>Q>m H|$Ðm| H$m à~§YZ H$aZo Ho$ {bò AmB©Q>r H${_©`m| H$mo XÿadVu gw{dYm àXmZ H$s JB© h¡& So>dbng© H$mo Ka-go-H$m_ H$aZo H$s gw{dYm àXmZ H$s JB© h¡ Omo So>Q>m Am¡a EpßbHo$eZ H$mo gwMmê$ ê$n go g§Mm{bV H$a aho h¢&

2. ~r_m EpßbHo$eZ Ho$ ~w{Z`mXr hmS©>doà T>m§Mo _| {dH$mg Am¡a CgH$m g\$bVmnyd©H$ EH$ÌrH$aU ì`mdgm{`H$ ê$n go à~§{YV H$mobmoHo$eZ So>Q>m g|Q>a na {H$`m J`m& BgHo$ {ZåZ{bpIV bm^ h¡:

∙ ny§Or Am¡a n[aMmbZ bmJV _| H$_r

∙ Ý`yZV_ `m eyÝ` S>mCZQ>mB_

∙ AmB©Q>r CËnmXH$Vm, j_Vm, bMrbmnZ Am¡a g§doXZerbVm _| d¥X²{Y

∙ ñHo$bo~b Am{H©$Q>oŠMa Ho$ H$maU EpßbHo$eZ Am¡a g§gmYZm| _| VoµO d¥X²{Y H$m àmdYmZ

∙ {d{dY g§nr‹S>Z, EpÝH«$ßeZ VH$ZrH$m| Am¡a {Z`{_V n¡qMJ H$m Cn`moJ H$aHo$ So>Q>m gwajm

3. Z`m goQ>An Am°Q>mo_oQ>oS> Am°naoe§g _¡ZoO_|Q>, B§\«$mñQ´>ŠMa _¡ZoO_|Q>, S>rAma Am°Q>mo_oeZ Am¡a ~¡H$An Qy>ëg H$s _XX go hmS©>doà Am¡a gm°âQ>doà H$s H|$ÐrH¥$V {ZJamZr Ho$ {bE AmYw{ZH$V_ g|Q´>b H$_m§S> g|Q>a go b¡g h¡&

4. gm°âQ>doà [a\«o$e àmoOoŠQ> na H$m_ Mb ahm h¡ Am¡a Anojm h¡ {H$ Bgo OëX hr ewê$ {H$`m OmEJm& Bg n[a`moOZm _| Q>rnrEg (TPS) ñQ>¡H$ H$m AnJ«oSo>eZ / [aßbog_|Q> em{_b hmoJm Am¡a AmB©Q>r hmS©>doà, XjVm, MnbVm, So>Q>m gwajm, Ý`yZV_ S>mCZQ>mB_ Am¡a A{YH$ go A{YH$ ì`mnma {Za§VaVm O¡go VmµOm hmS©>doà AmaE\$nr go àmá bm^m| H$mo Am¡a ~‹T>mEJm& `h n[a`moOZm J«mhH$m| H$s ~ohVa g§Vw{ï> Ho$ {bE "^{dî` H$s Q>¡H$ZmobOr' Ho$ Cn`moJ H$s gw{dYm àXmZ H$aoJr&

5. {S>{OQ>b EpßbHo$eZ "Atma Nirbhar Agent New Business Digital Application" g§{já Zm_ - ANANDA H$m Ama§^, Omo EO|Q> `m _Ü`ñW H$s _XX go nonabog VarHo$ go OrdZ ~r_m nm°{bgr àmá H$aZo Ho$ {bE Am°Z~mo{Sª>J à{H«$`m Ho$ {bE EH$ CnH$aU h¡&

6. H$m`m©b`rZ H$m`m] H$mo ñdMm{bV H$aZo Am¡a _wÐU H$s Amdí`H$Vm g_má H$a H$mJO a{hV H$m`m©b` H$s {Xem _| nhb

7. ^maV gaH$ma H$s UMANG ßboQ>\$m°_© na PMVVY H$s {~H«$s Am¡a godm H$s gw{dYm

8. ^maV gaH$ma H$s UMANG ßboQ>\$m°_© na VPBY H$s godm H$s gw{dYm

9. ñdU© O`§Vr N>mÌd¥{Îm H$m`©H«$_ Ho$ {bE eFEAP _| _m°S>çyb H$s gw{dYm

10. g¡Q>obmBQ> H$m`m©b`m| _| nm°{bgr`m| Ho$ nwZM©bZ H$mo à^mdr ~ZmZo Ho$ {bE LIC docQ-app {Oggo g¡Q>obmBQ> H$m`m©b` _| A{YH$m[a`m| Ûmam Amdí`H$ XñVmdoOmo H$mo ñH¡$Z H$aHo$ grYo B©S>rE_Eg S>m°{H$Q> _| AnbmoS> {H$`m OmVm h¡& gmW hr `h _mo~mBb Eon ^maV â _| {H$gr ^r H$m`m©b` _| H$m_ H$aZo dmbo EbAmB©gr A{YH$m[a`m|

38


H$mo {H$gr ^r Xmdo Ho$ XñVmdoOmo H$mo eFEAP _| AnbmoS> H$aZo _| gj_ ~ZmVm h¡ Vm{H$ g{d©qgJ emIm Xmdo H$m ^wJVmZ H$a gHo$& h_mao H$m°nm}aoQ> {Xem{ZX}e Ho$ AZwgma H$ht ^r g{d©qgJ àXmZ H$aZo _| `h EH$ ~‹S>m H$X_ h¡&

11. B©S>rE_Eg ES>{_Z \$mBb {gñQ>_ H$mo EH$ ZE ê$n _| bm°ÝM H$aZm EbAmB©gr A{YH$m[a`m| H$mo H$m`m©b` - ZmoQ> na {S>{OQ>b ê$n go H$m_ H$aZo _| gj_ ~ZmVm h¡, Ohm§ H$m`m©b` ZmoQ²g Ho$ {Z_m©U, AJ«ofU, AZw_moXZ Am¡a g§H$bZ {S>{OQ>b ê$n go H$mJO a{hV VarHo$ go {H$`m OmVm h¡&

12. EbAmB©gr H$m J«mhH$ nmoQ>©b ì`dñWm {S>{OQ>b AZw^d H$mo ~‹T>mZo Am¡a J«mhH$m| H$mo Am°ZbmBZ godmE§ àXmZ H$aZo Ho$ {bE {S>µOmBZ {H$`m J`m h¡& nmoQ>©b na ~r_m àmoS>ŠQ> H$s OmZH$mar, ßbmZ {dda{UH$m, àr{_`_ H¡$bHw$boQ>a, nm°{bgr H$s pñW{V, àr{_`_ H¡$b|S>a, EbAmB©gr Am°{\$g bmoHo$Q>a, `y{bn ñQ>oQ>_|Q>, H$µO© Am¡a Xmdm H$s pñW{V O¡gr gyMZmE§ CnbãY h¢& Am°ZbmBZ àr{_`_ O_m H$aZm, H$µO© H$s AXm`Jr, H$µO© Ho$ ã`mO H$m ^wJVmZ, ZE H$µO© Ho$ {bE Am°ZbmBZ AmdoXZ, Am°ZbmBZ nVm n[adV©Z, PAN Am¡a EZB©E\$Q>r (NEFT) n§OrH$aU, `y{bn \§$S> pñdM, _moS> n[adV©Z, A{J«_ àr{_`_ ^wJVmZ, {eH$m`V n§OrH$aU, Am°ZbmBZ godm AZwamoY, Am°ZbmBZ nm°{bgr IarX Am{X O¡go ñd`§-godm {dH$ën ^r nmoQ>©b Am¡a Am°ZbmBZ {~H«$s ßboQ>\$m_m] Ho$ _mÜ`_ go CnbãY h¡&

13. A{^H©$VmAmo H$mo AnZo ì`dgm` gå~§{YV OmZH$mar Am¡a J«mhH$ godm H$s gw{dYm Ho$ {bE EH$ gyMZm g_¥X²Y nmoQ>©b Am¡a _mo~mBb EpßbHo$eZ àXmZ {H$`m J`m h¡& A{^H©$VmAmo H$mo AnZo J«mhH$mo Ho$ {dÎmr` Amdí`H$VmAmo H$m {dûcofU H$aZo, H$moQ>oeZ, CXmhaU Am¡a eProposal H$m Cn`moJ H$aHo$ {~H«$s ñdMmbZ Ho$ {bE gj_ {H$`m J`m h¡&

14. J«mhH$m| Ho$ {bE {S>{Obm°H$a _| EbAmB©gr B©-nm°{bgr CnbãY {H$`m J`m h¡&

15. ñdMm{bV do~ àXe©Z _m°{ZQ>[a¨J CnbãY h¡ Omo Cƒ CnbãYVm Am¡a ~ohVa Cn`moJH$Vm© AZw^d gw{Z{üV H$aVm h¡&

16. EbAmB©gr M¡Q>~moQ> ""EbAmB©gr {_Ì"" Ho$ Cn`moJ _| d¥X²{Y hþB© h¡ Am¡a M¡Q>~m°Q> H$m qhXr g§ñH$aU 14.09.2020 H$mo Omar {H$`m J`m&

17. B©-bmB\$ n¡Ho$O H$mo EbAmB©gr Ho$ 8 {dXoer gpãg{S>àrO / emImAm| _| bmJy {H$`m J`m&

21. Am§V[aH$ A§Ho$jU…

df© 2020-21 Ho$ {bE {ZJ_ H$s g^r emImAm| / _§S>b H$m`m©b` / joÌr` H$m`m©b`m| VWm H|$Ðr` H$m`m©b` {d^mJm| H$m boIm narjU H$mo 31.03.2021 VH$ {d{YdV nyam H$a {b`m J`m h¡&

_hm_mar H$s pñW{V Ho$ H$maU Am°{S>Q> Á`mXmVa Am°\$gmBQ> Ho$ _mÜ`_ go (XÿañW ñWmZ go) {H$`m J`m&

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22. {ZarjU

{ZarjU EH$ Eogr ñdV§Ì, CÔoí`nyU© Am¡a nam_e©Xma Zr{V h¡, Omo {ZJ_ Ho$ g§MmbZ H$mo A{YH$ _yë`dmZ Am¡a ~ohVa ~ZmVr h¡& {d^mJ Ûmam df© Ho$ Xm¡amZ {ZJ_ Ho$ g^r H$m`m©b`m| H$m EbAmB©gr {d{Z`_ 1959 (Ymam 47) Ho$ VhV {ZarjU {H$`m OmZm h¡&

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{ZarjU {d^mJ Ûmam df© 2020-21 Ho$ Xm¡amZ g^r _m_bm| _| {ZJ{_V {Xem{ZX}em| H$m gånyU© AZwnmbZ gw{Z{üV H$aZo H$s Amoa Ü`mZ Ho$pÝÐV {H$`m J`m& {ZJ_ Ho$ H$m`m©b`m| _|, {gñQ>_ boßg H$mo amoH$Zo Ho$ EH$ ~Mmd Cnm` Ho$ Vm¡a na {ZarjU Aä`mg bmJy {H$`m J`m Am¡a Bg Aä`mgHo$ Xm¡amZ 76.32% emIm H$m`m©b` Am¡a 86.81% _ÊS>b H$m`m©b` CËH¥$ï> Xmào Ho$ ^rVa `mZr (A{V CËH¥$ï>, CËH¥$ï> Am¡a CÞV CËH¥$ï>) _yë`m§{H$V {H$ò JE& {d^mJ Ûmam dm{f©H$ {ZarjU Ho$ Abmdm, ñdU© O`§Vr \$mC§So>eZ Ho$ VhV Ho$ n[a`moOZmAm| H$m {ZarjU ^r {H$`m J`m&

39

64dm{f©H [anmoQ©

dt

Bg Xm¡amZ {d^mJ Ûmam bJmVma KQ>Vr A{Z`{_VVmAm| Ho$ AmYma na à_wI A{Z`{_VVmAm| H$m EH$ goQ> V¡`ma {H$`m J`m VWm BgHo$ {ZîH$fm] H$mo Ho$ÝÐr` H$m`m©b` Ho$ {d^mJmà_wIm| Ho$ gmW gmPm {H$`m J`m Vm{H$ Ho$ÝÐr` H$m`m©b` Ho$ {d^mJm| Ûmam bJmVma KQ>Vr A{Z`{_VVmAm| go ~MZo Ho$ {bE ì`dpñWV gwYma bmJy {H$ò Om gHo$ Vm{H$ ^{dî` _| `h gw{Z{üV {H$`m Om gHo$ {H$ Bg Vah H$s A{Z`{_VVm/{dMbZ/Zr{V`m| d {Xem{ZX}em| H$m C„§KZ H$^r KQ>Zo Z nmò±&

23. Zd ì`dgm` Ed§ nwZ~u_m

CÔoí`

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~r_mboIZ Zr{V

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kmZ/H$m¡eb H$mo CÞV H$aZm

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~r_mboIZ {Xem{ZX}em| _| g§emoYZ

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{S>{OQ>b H$X_

Zd ì`dgm` Ed§ nwZ~u_m {d^mJ Zo ì`dgm` H$mo gab ~ZmZo Am¡a J«mhH$m| H$s gw{dYm Ho$ {bE VH${ZH$s àJ{V Ho$ gmW ~Zo ahZo Ho$ {bE AZoH$ H$X_ CR>mE h¢&

AmZ§Xm

Ø ^maVr` OrdZ ~r_m {ZJ_ Zo Jwédma, 19 Zdå~a, 2020 H$mo AnZm àW_ {S>{OQ>b ApßbHo$eZ "AmZ§Xm" AmË_ {Z^©a EO|Q²g Ý`w {~{OZog {S>{OQ>b ApßbHo$eZ (Ho$ {bE EH$ g§{já ñdê$n) ewé {H$`m&

Ø `h {S>{OQ>b ApßbHo$eZ EO|Q>/_Ü`ñW H$s ghm`Vm go nona a{hV _m°S>çyb Ho$ _mÜ`_ go OrdZ ~r_m nm°{bgr àmá H$aZo Ho$ {bE Am°Z~mo{Sª>J à{H«$`m Ho$ {bE EH$ gmYZ h¡& `h àñVm{dV OrdZ Ho$ AmYma H«$_m§H$ na AmYm[aV B©-Am°W|{Q>Ho$eZ H$m à`moJ H$aHo$ nona a{hV Ho$dm`gr à{H«$`m na AmYm[aV h¡&

Ø AmZ§Xm ^maV Ho$ OrdZ ~r_m CÚmoJ _| AnZo Vah H$m àW_ ApßbHo$eZ h¡ {Ogo ^maVr` OrdZ ~r_m {ZJ_ Zo AnZo hr BZ-hmCg gyMZm àmoÚm¡{JH$s g_{W©V {gñQ>_ Ho$ _mÜ`_ go V¡`ma {H$`m h¡&

S>r gr E_ gr

Ø S>r gr E_ gr � Am°ZbmBZ àñVmd {S>nmo{OQ> {H«$EeZ Ho$ {bE OZdar 2021 _| {S>nmo{OQ> H$boŠeZ EÊS> _¡ZoO_|Q> g|Q>a ewé {H$`m J`m h¡& dV©_mZ _| Eogm Am°ZbmBZ àñVmd {S>nmo{OQ> {H«$EeZ AmZ§Xm Ho$ _mÜ`_ go {H$`m Om ahm h¡& AmZ§Xm Ho$ _mÜ`_ go à{H«$`m JV {H$ò OmZo dmbo g^r `y{bn àñVmAm| Ho$ {bò O_m amer, A{Zdm`©V… Am°ZbmBZ àñVmd {S>nmo{OQ> H$boŠeZm| Ho$ Ûmam {H$`m Om ahm h¡&

E_ Eg nr

Ø àr-nm°{bgr _o{S>H$b H$aZo Ho$ {bE {gVå~a, 2020 _| 16 _o{S>H$b godm àXmVmAm| H$m n¡Zb ~Zm`m J`m h¡ Am¡a dh H$mnm}aoeZ Ho$ g^r _§S>b H$m`m©b`m| _| H$m`©aV h¢& àr-nm°{bgr _o{S>H$b H$aZo H$s à{H«$`m emIm H$m`m©b` _| Zd ì`dgm` {d^mJ Ho$ H$moa `yOa Ho$ {bE EŠgog Ho$ gmW nyar Vah go _m°S>çyb ào[aV h¡&

40


Ø EbAmB©gr Ho$ ñQ>oqOJ gd©a na {deof _o{S>H$b [anmoQ>m] H$mo Am°ZbmBZ AnbmoS> H$aZo Ho$ {bE Amdí`H$ àmdYmZm| na H$m_ {H$`m Om ahm h¡& AmJo H$s à{H«$`m Ho$ {bE {S>{OQ>b _o{S>H$b [anmoQ>m] H$mo emIm Ho$ Zd ì`dgm` B©-\$sn _| XoIm Om gHo$Jm&

qàQ> H$aZo go boH$a nmoñQ> H$aZo VH$

Ø H|$ÐrH¥$V nm°{bgr ~m±S> qàqQ>J H$s AdYmaUm H$mo ewé {H$`m J`m h¡& d|S>a Ûmam H|$ÐrH¥$V bmoHo$eZm| go nm°{bgr X²ñVmdoOm| Am¡a BgHo$ AZw~§Ym| H$mo qàQ> H$aZo go boH$a {S>ñn¡M H$aZo VH$, E§S>-Qy>-E§S> gm°ë`yeZ àXmZ H$aoJm&

nwZ~u_m

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AÝ`

Ø H«o${S>Q> ã`yamo go {dÎmr` godmE§ àmá H$aZo H$s à{H«$`m H$mo ewé {H$`m J`m h¡& {dÎmr` _wë`m§H$Z Ed§ EH$~ma nm°{bgr Ho$ ~mX gË`mnZ Eogr godmE§ h¢ {Ogo gr{Zdoe g{_{VAmaE, 2005 Ho$ A§VJ©V n§OrH¥$V H«o${S>Q> ã`yamo go boZo H$m àñVmd {H$`m J`m h¡&

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{_{lV

Ø B©-nm°{bgr H$m {dVaU nyao ^maV _| àMm{bV {H$`m J`m h¡&

Ø nm°{bgr ~m±S> H$s H$m`m©b` à{V H$m àMbZ ~§X {H$`m J`m h¡&

24. gVH©$Vm

∙ `h df©, Omo A^yVnyd© H$modrS> _hm_mar go ~ohX à^m{dV Wm, gVH©$Vm {d^mJ Zo grdrgr Ho$ _w»` {df` - ""gVH©$ ^maV, g_¥Õ ^maV"" H$mo {ZJ_ H$s J{V{d{Y`m Ho$ g^r joÌm| _| àgmarV Am¡a bmJy H$aZo Ho$ {bE Ed§ g^r boZXoZ _| nmaX{e©Vm gw{Z{üV H$aZo hoVw; g^r g§^d à`mg {H$E h¢&

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Š`m H$moa_ H$s Amdí`H$Vm nyar hþB© ({ddaU)

{nN>br ~¡R>H$m| H$s {V{W (`m±) Xmo bJmVma ~¡R>H$m| Ho$ ~rM H$m A§Vamb, {XZmo _|

22-07-2020 hm± 14-02-2020 159

09-09-2020 hm± 22-07-2020 49

28-12-2020 hm± 09-09-2020 110

11-02-2021 hm± 28-12-2020 45

51

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K) OmopI_ à~§YZ g{_{V (AmaE_gr)

· AmaE_gr H$s g§aMZm

31 _mM©, 2021 H$mo AmaE_gr _| 4 gXñ` em{_b Wo , {OZ_| go Xmo gXñ` J¡a -H$m`©H$mar {ZXoeH$ h¢, Zm{_V:

· lr_Vr nÙOm Mw§Sw>é, AÜ`j

· lr amO Hw$_ma, à~§Y {ZXoeH$

· lr Xodoe lrdmñVd, nXoZ gXñ`

· lr {gÕmW© _moh§Vr, à~§Y {ZXoeH$

· AmaE_gr ~¡R>H$m| Ho$ {bE H$moa_ Hw$b gXñ`m| Ho$ EH$ {VhmB© gXñ` `m AmaE_gr Ho$ Xmo gXñ`, BZ_| go Omo ^r A{YH$ hmo go AmaE_gr ~¡R>H$m| H$s H$moa_ ~ZoJr &

· AmaE_gr ~¡R>H$m| H$s Amd¥{Îm df© _| H$_ go H$_ Mma ~ma AmaE_gr H$s ~¡R>H|$ Am`mo{OV hm|Jr Am¡a Xmo AmaE_gr ~¡R>H$m| Ho$ ~rM H$m A§Vamb Mma _hrZo go A{YH$ Zht hmoJm &

· AmaE_gr H$s ~¡R>H|$ 31 _mM© 2021 H$mo g_má df© Ho$ Xm¡amZ, AmaE_gr H$s ~¡R>H|$ H«$_e : 10 OyZ, 2020, 09 {gVå~a, 2020, 23 {Xg§~a, 2020 Am¡a 06 _mM©, 2021

H$mo Am`mo{OV H$s JB© &

Aà¡b, 2020 go _mM©, 2021 Ho$ Xm¡amZ ~¡R>H$m| _| gXñ`m| H$s CnpñW{V {ZåZmZwgma Wr :

Zm_ nXZm_ e¡j{UH$ `mo½`Vm H$m`©H$mb Ho$ Xm¡amZ ~¡R>H$m| H$s g§»`m

CnpñWV ~¡R>H$m| H$s g§»`m


lr ~r.MH«$dVu, J¡a-gaH$mar {ZXoeH$* AÜ`j ~r.H$m°_.(Am°Zg©), MmQ>©S©> AH$mC§Q>|Q> 2 2 50,000

lr_Vr nÙOm Mw§Sw>é** AÜ`j E_.H$m°_., grEAmB©AmB©~r 4 4 bmJy Zht

lr Q>r.gr.gwerb Hw$_ma, à~ÝY {ZXoeH$@, gXñ` E_.E.(AW©emó) 2 2 bmJy Zht

lr amO Hw$_ma, à~ÝY {ZXoeH$ gXñ` ~r.Eñgr. 4 4 bmJy Zht

lr Xodoe lrdmñVd$$ nXoZ gXñ` ~r. Eggr (Am°Zg©) ^m¡{VH$s, E_.Eg.gr (^m¡{VH$s), nrOrS>r~rE_

3 1 bmJy Zht

lr {gÜXmW© _moh§Vr, à~ÝY {ZXoeH$% gXñ` E_.E., EbEb~r, nrOrgr~rE_, bmBgopÝeEQ>

1 1 bmJy Zht

*28.09.2020 Ho$ à^md go gXñ`Vm g_mßV

**23.10.2020 Ho$ à^md go AÜ`j @23.10.2020 Ho$ à^md go 31.01.2021 VH$ gXñ`, 09.09.2020 Ho$ {bE {deof Am_§{ÌV $15.06.2020 Ho$ à^md go gXñ` %05.02.2021 Ho$ à^md go gXñ`

OmopI_ à~ÝYZ g{_{V H$s ~¡R>H$


Š`m JUny{V© H$s Amdí`H$Vm nyar hþB© Wr ({ddaU)

{nN>br ~¡R>H$m| H$s {V{W(`m§°) H«$_mJV Xmo ~¡R>H$m| Ho$ ~rM H$m {XZm| H$s g§»`m _| A§Vamb

10-06-2020 hm§ 24-01-2020 138

09-09-2020 hm§ 10-06-2020 91

23-12-2020 hm§ 09-09-2020 105

06-03-2021 hm§ 23-12-2020 73

52


S².) ~r_mYmaH$ g§ajU g{_{V (nrnrgr)· nrnrgr H$s g§aMZm :

_mM©, 31, 2021 H$mo, nrnrgr _| 4 gXñ` em{_b Wo, {OZ_| go Xmo gXñ` J¡a-H$m`©H$mar gXñ` VWm EH$ {deofk/J«mhH$m| H$m à{V{Z{Y h¡, Zm_e:

· lr Xodoe lrdmñVd, nXoZ gXñ`, AÜ`j · S>m° ñZohbVm Xoe_wI, {deofk · lr {d{nZ AmZ§X, à~ÝY {ZXoeH$

· lr {gÜXmW© _moh§Vr, à~ÝY {ZXoeH$

· nrnrgr ~¡R>H$m| Ho$ {bE H$moa_ :

nrnrgr ~¡R>H$m| Ho$ {bE H$moa_ nrnrgr gXñ`m| Ho$ Hw$b g§»`m-~b Ho$ EH$ {VhmB© AWdm Xmo gXñ`, Omo ^r A{YH$ hmo, hmoJr &

· nrnrgr ~¡R>H$m| H$s Amd¥{V :

EH$ df© _| nrnrgr H$_ go H$_ Mma ~ma {_boJr Am¡a nrnrgr H$s Xmo H«$_mJV ~¡R>H$m| Ho$ ~rM H$m A§Vamb Mma _hrZm| go A{YH$ Zht hmoJm &

· nrnrgr H$s ~¡R>H|$ : 31 _mM©, 2021 H$mo g_má df© Ho$ Xm¡amZ, nrnrgr H$s 4 ~¡R>H|$ 10 OyZ, 2020, 07 {gVå~a, 2020, 21 {Xgå~a, 2020 Am¡a 23 _mM©, 2021 H$mo

Am`mo{OV H$s JBª &Aà¡b, 2020 go _mM©, 2021 Ho$ Xm¡amZ ~¡R>H$m| _| gXñ`m| H$s CnpñW{V {ZåZmZwgma Wr:

Zm_ nXZm_ `mo½`Vm H$m`©H$mb Ho$ Xm¡amZ ~¡R>H$m| H$s g§»`m

^mJ {bE JE ~¡R>H$m| H$s g§»`m


lr Ama.M§ÐeoIaZ, J¡a-gaH$mar {ZXoeH$* AÜ`j ~r.H$m°_., grEAmB©AmB©~r, AmB©grS>ãë`yE (AmB©), EgrAmB©AmB© (`yHo$), EAmB©AmaE_ (`yHo$), nrOrS>rE_Eg (_w§~B©), g{Q©>{\$Ho$Q> BZ H$åß`yQ>a gm°âQ>doAa

2 2 50,000

lr Xodoe lrdmñVd, nXoZ gXñ`$ AÜ`j ~r. Eggr (Am°Zg©) ^m¡{VH$s, E_.Eg.gr (^m¡{VH$s), nrOrS>r~rE_

2 2 bmJy Zht

S>m° ñZohbVm Xoe_wI {deofk E_.Eg., E\$.Ama.gr.Eg. 4 4 80,000

lr Q>r.gr.gwerb Hw$_ma, à~ÝY {ZXoeH$@ gXñ` E_ .E. AW©emîÌ 3 3 bmJy Zht

lr {d{nZ AmZ§X, à~ÝY {ZXoeH$ gXñ` ~r.Eggr. 4 4 bmJy Zht

lr {gÜXmW© _moh§Vr, à~ÝY {ZXoeH$% gXñ` E_.E., Eb.Eb.~r., nrOrgr~rE_, bmBgopÝeEQ>

1 1 bmJy Zht

*28.09.2020 Ho$ à^md go gXñ`Vm g_mßV,

$23.10.2020 Ho$ à^md go AÜ`[email protected] VH$ gXñ`%05.02.2021 Ho$ à^md go gXñ`

nm{bgrYmaH$ g§ajU g{_{V H$s ~¡R>H$


Š`m JUny{V© H$s Amdí`H$Vm nyar hþB© Wr ({ddaU)

{nN>br ~¡R>H$m| H$s {V{W(`m±) H«$_mJV Xmo ~¡R>H$m| Ho$ ~rM H$m {XZm| H$s g§»`m _| A§Vamb

10-06-2020 hm§ 30-01-2020 132

07-09-2020 hm§ 10-06-2020 89

21-12-2020 hm§ 07-09-2020 105

23-03-2021 hm§ 21-12-2020 92

53

64dm{f©H [anmoQ©

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M) bm^ g{hV> g{_{V (S>ãë`ynrgr) :

· S>ãë`ynrgr H$s g§aMZm :

31 _mM©, 2021 H$mo, S>ãë`ynrgr _| 5 gXñ` em{_b Wo, {OZ_| go EH$ gXñ` ñdV§Ì {ZXoeH$ h¡ Am¡a AÝ` J¡a-H$m`©H$mar {ZXoeH$ h¡, Zm_V:,

· lr E_ Ama Hw$_ma, AÜ`j,

· lr_Vr Eg.Eg.gmo_U, _w»` {dÎmr` A{YH$mar

· lr gw~«_Ê`_² H$mo{„_bm©, ñdV§Ì ~r_m§H$H$

· lr Xodoe lrdmñVd, nXoZ gXñ` VWm

· lr {XZoe n§V, {Z`wº$ ~r_m§H$H$

· S>ãë`ynrgr ~¡R>H$ H$s Amd¥{Îm:

S>ãë`ynrgr ~¡R>H$ df© _| H$_ go H$_ EH$ ~ma Am`mo{OV H$s OmEJr &

· S>ãë`ynrgr H$s ~¡R>H|$ :

31 _mM©, 2021 H$mo g_má df© Ho$ Xm¡amZ, S>ãë`ynrgr H$s EH$ ~¡R>H$ 14.07.2020 H$mo Am`mo{OV H$s JB© &

~¡R>H$m| _| gXñ`m| H$s CnpñW{V {ZåZmZwgma Wr :


^mJ {bE JE ~¡R>H$m| H$s g§»`m


lr E_ Ama Hw$_ma AÜ`j ~r.Eggr, bmBgopÝeEQ> 1 1 bmJy Zht

lr_Vr Eg.Eg.gmo_U _w»` {dÎmr` A{YH$mar ~r.H$m°_., E\$.gr.E. 1 1 bmJy Zht

lr gw~«_Ê`_² H$mo{„_bm© ñdV§Ì ~r_m§H$H$ ~r.Eggr, EAmB©E, E\$AmB©EAmB©, E\$AmB©AmB©AmB©

1 1 bmJy Zht

lr Ama.M§ÐeoIaZ@ J¡a-gaH$mar {ZXoeH$ ~r.H$m°_., grEAmB©AmB©~r, AmB©grS>ãë`yE (AmB©), EgrAmB©AmB© (`yHo$), EAmB©AmaE_ (`yHo$), nrOrS>rE_Eg (_w§~B©), g{Q©>{\$Ho$Q> BZ H$åß`yQ>a gm°âQ>doAa

1 1 20,000

lr Xodoe lrdmñVd* nXoZ gXñ` ~r. Eggr (Am°Zg©) ^m¡{VH$s, E_.Eg.gr (^m¡{VH$s), nrOrS>r~rE_

0 0 bmJy Zht

lr {XZoe n§V {Z`wº$ ~r_m§H$H$ ~r.B©., E\$AmB©AmB©AmB©, E\$EEgAmB©, E_~rE, Eb.Eb.~r.

1 1 bmJy Zht

@28.09.2020 Ho$ à^md go gXñ`Vm g_mßV, *23.10.2020 Ho$ à^md go gXñ`N) eo`aYmaH$ {ZXoeH$ MwZmd g{_{V (B©EgS>rgr) :

Bg g{_{V H$m JR>Z {dÎm _§Ìmb` Ho$ {X.03.04.2012 Ho$ nÌ g§X^©: 16/11/2012-~rAmo-I Ho$ AZwgma {H$`m J`m h¡ & gmd©O{ZH$ joÌ H$s ~¢H$m|, {dÎmr` g§ñWmAm| VWm gmd©O{ZH$ joÌ H$s ~r_m H§$n{Z`m| _| AÜ`j/AÜ`j Ed§ à~ÝY {ZXoeH$ H$s AÜ`jVm _| ~moS©> H$s g{_{V J{R>V H$aZr hmoVr h¡, Omo {d{^Þ Cå_rXdmam| H$s `mo½`Vm, AZw^d, àmo\$mB©b VWm n¥ð>^y{_ H$m Ü`mZnyd©H$ {dMma H$aoJr Am¡a VËnümV² MwZmd _| Cå_rXdmam| H$m g_W©Z H$aZo na {ZU©` boJr &

· B©EgS>rgr H$s g§aMZm :

31 _mM©, 2021 H$mo, B©EgS>rgr _| 4 gXñ` em{_b> Wo, {OZ_| go EH$ gXñ` J¡a-H$m`©H$mar gXñ` h¡, Zm_V:



∙ lr _wHo$e Hw$_ma Jwám, à~ÝY {ZXoeH$

∙ lr amO Hw$_ma, à~ÝY {ZXoeH$

· B©EgS>rgr ~¡R>H$m| Ho$ {bE H$moa_ :

B©EgS>rgr ~¡R>H$m| Ho$ {bE H$moa_ B©EgS>rgr gXñ`m| H$s Hw$b g§»`m-~b Ho$ EH$ {VhmB© AWdm Xmo gXñ`, Omo ^r A{YH$ hmo, hmoJr &

54


· B©EgS>rgr ~¡R>H$m| H$s Amd¥{V:

B©EgS>rgr H$s ~¡R>H|$ {ZJ_ H$s Amdí`H$VmZwgma Am`mo{OV H$s OmE§Jr &

· B©EgS>rgr H$s ~¡R>H|$ :

31 _mM©, 2021 H$mo g_má df© Ho$ Xm¡amZ B©EgS>rgr H$s H$moB© ~¡R>H$ Am`mo{OV Zht H$s JB© &

O) gyMZm àm¡Úmo{JH$s aUZr{V g{_{V : (AmB©Q>rEggr)

27.03.2018 H$mo Am`mo{OV 580dt ~moS©> ~¡R>H$ _| {bE JE {ZU©`mZwgma gyMZm àm¡Úmo{JH$s aUZr{V g{_{V H$m JR>Z {H$`m J`m h¡ & VXZwgma g§X^© H$s eV] {ZåZmZwgma h¢ :

∙ EbAmB©gr _| gyMZm àm¡Úmo{JH$s Ho$ {bE XÿaX{e©Vm, YmaUm, {gÜXm§Vm| VWm gm_[aH$ bú`m| H$m {dH$mg H$aZm &

∙ Eogr Zr{V`m| H$s ñWmnZm H$aZm, Omo XrKm©d{Y AmB©Q>r aUZr{V na H$m`©H$mar {ZU©`m| Ho$ {bE EH$ ê$naoIm Ho$ ê$n _| - OrdZ MH«$ (bmB©\$-gmBH$b) bmJV {dûcofU, ^y{_H$mE§, CÎmaXm{`Ëdm|, A{YH$ma H$m {dH|$ÐrH$aU, gwajm EŠgog Am{X H$mo gpå_{bV H$aZo H$m H$m`© H$a|Jr &

∙ nQ>b na bmE JE gyMZm àm¡Úmo{JH$s g§~§Yr _m_bm| _| ~moS©> H$mo VH$ZrH$s gbmh àXmZ H$aZm &

∙ `h gw{Z{üV H$aZm {H$ gyMZm àm¡Úmo{JH$s H$s g§JR>ZmË_H$ g§aMZm ì`dgm` V§Ì VWm CgHo$ g§MmbZ H$s nyaH$ h¡ &

∙ AmB©Q>r {Zdoe gw{Z{üV H$aZo dmbo g§gmYZ Ed§ _mZd e{º$ `moOZm, OmopI_m| Ed§ bm^m| Ho$ g§VwbZ H$m Am¡a ~OQ>m| Ho$ ñdrH$m`© hmoZo H$m à{V{Z{YËd H$aVo h¢ &

∙ à~ÝYZ Ûmam AmB©Q>r OmopI_ H$s Om ahr {ZJamZr H$s à^mderbVm H$m _yë`m§H$Z H$aZm Am¡a AmB©Q>r Ho$ gH$b {dÎm nmofU H$m {ZarjU H$aZm &

∙ g^r ñdrH¥$V gm_[aH$ nhbm|, {deofH$a _hËdnyU© g_`-gr_m `wº$ nhbm| H$s pñW{V H$s XoIaoI H$aZm VWm _hËdnyU© nhbm| H$s g-g_` ny{V© H$mo gw{Z{üV H$aZo Ho$ {bE ~mYmAm| H$mo Xÿa H$aZo _| ghm`Vm H$aZm &

∙ g_J« gyMZm àm¡Úmo{JH$s H$m`©-g§nmXZ Ho$ à_mU VWm ì`dgm` Ho$ {bE gyMZm àm¡Úmo{JH$s Ho$ JR>Z H$s g_rjm H$aZm &

∙ BÝ\$m°_}eZ {gŠ`mo[aQ>r ñQ>r[a¨J H${_Q>r Ûmam J{V{d{Y`m| H$s g_rjm, Omo nhbo OmopI_ à~ÝYZ g{_{V Ûmam H$s OmVr Wr &

∙ n[a`moOZmAm| Ho$ VH$ZrH$s _yë`m§H$Z H$s ñdrH¥${V &

· AmB©Q>rEggr H$s g§aMZm :

31 _mM©, 2021 H$mo, gyMZm àm¡Úmo{JH$s aUZr{V g{_{V _| 4 gXñ` em{_b Wo, {OZ_| go EH$ gXñ` J¡a-H$m`©H$mar h¡, Zm_V:,

∙ lr_Vr nÙOm Mw§Sw>é, AÜ`j

∙ lr {d{nZ AmZ§X, à~ÝY {ZXoeH$

∙ lr _wHo$e Hw$_ma Jwám, à~ÝY {ZXoeH$

∙ àmo\o$ga (S>m°.) Amo_ X_mZr, ~mhar gXñ`

· AmB©Q>rEggr ~¡R>H$m| Ho$ {bE H$moa_ :

AmB©Q>rEggr ~¡R>H$m| Ho$ {bE H$moa_ AmB©Q>rEggr gXñ`m| H$s Hw$b g§»`m-~b Ho$ EH$ {VhmB© AWdm Xmo gXñ`, Omo ^r A{YH$ hmo, hmoJr &

· AmB©Q>rEggr ~¡R>H$m| H$s Amd¥{V:

AmB©Q>rEggr H$s ~¡R>H|$ {ZJ_ H$s Amdí`H$VmZwgma Am`mo{OV H$s OmE§Jr &

· AmB©Q>rEggr H$s ~¡R>H|$ :

31 _mM©, 2021 H$mo g_má df© Ho$ Xm¡amZ AmB©Q>rEggr H$s H$moB© ~¡R>H$ Am`mo{OV Zht H$s JB© &

P) ^dZ gbmhH$ma g{_{V (~rEgr) :

g§X^© H$s eV] :

20.08.2004 H$mo Am`mo{OV 510dt ~moS©> ~¡R>H$ _| ~moS©> Ûmam {bE JE {ZU©`mZwgma, g§n{Îm`m| Ho$ H«$` Ed§ {dH«$` hoVw àñVmdm| H$s Om§M H$aZo, ^dZm| Ho$ {Z_m©U VWm aIaImd, Cggo g§~{YV g^r AÝ` _m_bm| VWm ~moS©> H$mo àñVwV {H$gr AÝ` _m_bo hoVw ~rEgr H$m JR>Z {H$`m J`m h¡ & ~rEgr, _o àñVwV {H$E JE Eogo g^r àñVmdm| H$mo ñdrH¥$V H$aZo Ho$ {bE A{YH$ma àmßV h¡ {OZ H$m A{YH$V_ _yë` ` 7 H$amo‹S> VH$ h¡ &

55

64dm{f©H [anmoQ©

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~rEgr H$s g§aMZm :

31 _mM©, 2021 H$mo, ~rEgr _| 6 gXñ` Wo, {OZ_| go EH$ gXñ` J¡a-H$m`©H$mar Am¡a Xmo ~mhar gXñ` h¢, Zm_V:,



∙ lr amO Hw$_ma, à~ÝY {ZXoeH$

∙ lr A§OZ _wIOu, ~mhar gXñ`

∙ lr S>m°.gm¡{dH$ ~°ZOu, ~mhar gXñ`

∙ lr {gÜXmW© _moh§Vr, gXñ` ({deof Am_§{ÌV)

~rEgr ~¡R>H$m| Ho$ {bE H$moa_ :

~rEgr ~¡R>H$m| Ho$ {bE H$moa_ ~rEgr gXñ`m| H$s Hw$b g§»`m-~b Ho$ EH$ {VhmB© AWdm Xmo gXñ`, Omo ^r A{YH$ hmo, hmoJr &

~rEgr ~¡R>H$m| H$s Amd¥{V:

~rEgr H$s ~¡R>H|$ {ZJ_ H$s Amdí`H$VmZwgma Am`mo{OV H$s OmE§Jr &

~rEgr H$s ~¡R>H|$ :

31 _mM©, 2021 H$mo g_má df© Ho$ Xm¡amZ ~rEgr H$s eyÝ` ~¡R>H|$ Am`mo{OV H$s JBª &

Äm) {db\w$b {S>\$m°ëQ>g© g_rjm g{_Vr (S>ãë`yS>rAmagr) :

g§X^© H$s eV] :

{db\w$b {S>\$m°ëQ>g© g_rjm g{_Vr H$m JR>Z ^maVr` [aOd© ~¢H$ Ho$ {X.01.07.2015 Ho$ _mñQ>a n[anÌ Ho$ AZwgma, {db\w$b {S>\$m°ëQ>a Ho$ ê$n _| {H$gr H$O©Xma H$s nhMmZ VWm dJuH$aU hoVw {H$`m J`m h¡, {OgH$s AÜ`jVm H$m`©H$mar {ZXoeH$ H$s loUr Ho$ g_H$j {H$gr A{YH$mar Ûmam H$s OmEJr Am¡a Cg_| _hmà~§YH$/Cn _hmà~§YH$ g§dJ© H$s g_H$j loUr Ho$ Am¡a Xmo A{YH$m[a`m| H$m g_mdoe hmoJm &

S>ãë`yS>rAmagr H$s g§aMZm :

31 _mM©, 2021 H$mo, S>ãë`yS>rAmagr _| 3 gXñ`m| H$m g_mdoe Wm, {OZ_| go Xmo gXñ` J¡a-H$m`©H$mar gXñ` Wo, Zm_V:,




S>ãë`yS>rAmagr ~¡R>H$m| Ho$ {bE H$moa_ :

S>ãë`yS>rAmagr gXñ`m| H$s Hw$b g§»`m-~b Ho$ EH$ {VhmB© AWdm Xmo gXñ`, Omo ^r A{YH$ hmo, hmoJr &

S>ãë`yS>rAmagr ~¡R>H$m| H$s Amd¥{V:

S>ãë`yS>rAmagr H$s ~¡R>H$ {ZJ_ H$s Amdí`H$VmZwgma Am`mo{OV H$s OmEJr &

S>ãë`yS>rAmagr H$s ~¡R>H|$ :

31 _mM©, 2021 H$mo g_má df© Ho$ Xm¡amZ S>ãë`yS>rAmagr H$s eyÝ` ~¡R>H|$ Am`mo{OV H$s JBª &

Q>) nm[al{_H$ g{_{V (Amagr) :

g§X^© H$s eV] :

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58


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5 nm°{bgrYmaH$ n[afX

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6 OrdZ ~r_m {ZJ_ A{Y{Z`_ Ho$ AÝVJ©V {ZX}e

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62


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1) EbAmB©gr n|eZ \§$S> {b{_Q>oS>

2) EbAmB©gr H$mS²g© g{d©goO {b{_Q>oS>

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∙ AmB©S>r~rAmB© B§Q>oH$ {b{_Q>oS>

∙ AmB©S>r~rAmB© n[ag§n{Îm à~§YZ H§$nZr {b{_Q>oS>

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4) EbAmB©gr hmCqgJ \$mBZ|g {b{_Q>oS>

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64


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31.03.2021 H$mo ~H$m`m F$U - ` 2,32,003 H$amo‹S> + 10% 14%

df© 2020-21 Ho$ {bE Hw$b Am` - ` 19,847.15 H$amo‹S> + 1% 9%

df© 2020-21 Ho$ {bE ewÕ bm^ - ` 2,734.34 H$amo‹S> +14% 9%

31.03.2021 H$mo ewÕ ñdm_r-g§n{Îm 20,316.53 H$amo‹S>

bm^m§e Kmo{fV 425%

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I) EbAmB©gr n|eZ \§$S> {b{_Q>oS>

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EbAmB©gr n|eZ \§$S> {b. EH$ H$moe à~§YZ H§$nZr h¡& EbAmB©gr n|eZ \§$S> {b{_Q>oS>, amï´>r` n|eZ `moOZm Ho$ nm§M gaH$mar {Zdoe `moOZmAmo O¡go H$s 02.04.2008 go Ho$ÝÐ gaH$ma `moOZm, 25.06.2009 go amÁ` gaH$ma `moOZm, 04.10.2010 go EZ. nr. Eg bmB©Q> (gaH$mar n¡Q>Z©) Am¡a H$monm}aoQ> grOr `moOZm ({Ogo 04.11.2012 H$mo H|$Ð gaH$ma H$s `moOZm go AbJ H$a {X`m J`m Wm) Am¡a 01.06.2015 go AQ>b n|eZ `moOZm (EnrdmB©) H$m à~§YZ H$aVr h¡&

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df© 2020-2021 Ho$ Xm¡amZ, EbAmB©gr n|eZ \§$S> {b{_Q>oS> H$mo Voah `moOZmAm| Ho$ VhV ` 22,333.29 H$amo‹S> àmá hþE h¢& 31 _mM© 2020 VH$ à~§YZ Ho$ A§VJ©V Hw$b g§n{Îm (E`yE_) ` 121027.69 H$amo‹S> Wr Omo 31.03.2021 VH$ ~‹T>H$a ` 1,63,389.50 H$amo‹S> hþB© & Cnamoº$ _| go ` 1,59,358.34 H$amo‹S> nm§M gaH$mar {Zdoe `moOZmAm| Ho$ VhV à~§{YV {H$E OmVo h¢ VWm ` 4,031.16 H$amo‹S> AmR> {ZOr joÌ H$s `moOZmAm| Ho$ VhV à~§{YV {H$E OmVo h¢& EbAmB©gr n|eZ \§$S> {b{_Q>oS> H$s Hw$b Am` E`yE_ _| d¥{Õ Ho$ H$maU {nN>bo df© Ho$ ` 14.52 H$amo‹S> go ~‹T>H$a 2020-21 _| ` 18.47 H$amo‹S> hþB©, {OgHo$ n[aUm_ñdê$n H§$nZr H$s MwH$Vm ny§Or na à~§ YZ ewëH$ Ed§ ã`mO Am` _| ~T>moVar hþB© h¡& H§$nZr Zo df© 2020-21 _| ` 2.50 H$amo‹S> H$m ewÕ bm^ XO© {H$`m h¡&

31-03-2021 H$mo EbAmB©gr n|eZ \§$S> {b{_Q>oS> H$s `moOZmAm| H$m ZoQ> EgoQ> d¡ë`y (Net Asset value) Bg àH$ma h¡ &

65

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gaH$mar `moOZmE§ ZoQ> EgoQ> d¡ë`y ñWmnZm Ho$ ~mX go à{V\$b H$m Xa (%) (gr E Or Ama)

i) Ho$ÝÐ gaH$ma `moOZm 33.9560 9.86%

ii) amÁ` gaH$ma `moOZm 30.2459 9.86%

iii) EZ. nr. Eg bmB©Q> 28.2196 10.39%

iv) H$monm}aoQ> `moOZm grOr 22.3595 10.05%

v) AQ>b n|eZ `moOZm 17.3213 9.89%

{ZOr joÌ ZoQ> EgoQ> d¡ë`y ñWmnZm Ho$ ~mX go à{V\$b H$m Xa (%) (gr E Or Ama)

i) B© {Q>à-I 24.0674 12.09%

ii) gr {Q>à-I 21.1942 10.26%

iii) Or {Q>à-I 22.7484 11.28%

iv) B© {Q>à-II 20.1674 9.62%

v) gr {Q>à-II 20.1352 9.60%

vi) Or {Q>à-II 23.0377 11.54%

vii) E {Q>à I 13.9748 7.78%

viii) H$a ~MV {Q>à II 10.2264 4.03%

EZnrEg Ho$ {bE H$a bm^:

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EZnrEg Ho$ ~mao _| OmJê$H$Vm O¡go-O¡go ~‹T>Vr h¡, ^{dî` _| EZnrEg Ho$ VhV Hw$b E`yE_ Ho$ Am¡a ~‹T>Zo H$s Cå_rX H$mo OJmVr h¡ & H|$Ð gaH$ma Zo AnZo H$_©Mm[a`m| H$mo 1.4.2019 go à^mdr, EZnrEg _| CZHo$ d¥{Õerb `moJXmZ Ho$ {bE {Zdoe n¡Q>Z© Am¡a {H$gr ^r \§$S> _¡ZoOa (AmR> _| go, gmd©O{ZH$ Am¡a {ZOr \§$S> _¡ZoOa) H$mo MwZZo H$s AZw_{V Xr h¡& & Bg {ZU©` go n|eZ \§$S> à~§YH$m| Ho$ ~rM ~ohVa OmopI_ g_m`mo{OV [aQ>Z© CËnÞ H$aZo Ho$ {bE à{VñnYm© _| ~T>moVar H$s Cå_rX h¡&

J) EbAmB©gr H$mS©>g g{d©goµO {b{_Q>oS>

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2. ` 100/- Ho$ àËòH$ IM© na AmH$f©H$ [admS©> nm°B§Q²g

3. g^r A§Vam©ï´>r` IMm] na S>~b [admS©> nm°B§Q²g

4. {~Zm {H$gr gw{dYm ewëH$ Ho$ EbAmB©gr àr{_`_ Ho$ ^wJVmZ na S>~b [admS©> nm°B§Q>

5. "{g¾oMa' H$mS©>YmaH$m| Ho$ {bE ` 2 H$s Q>moH$Z am{e Ho$ ^wJVmZ na hdmB© AÈ>m bmC§O H$s gw{dYm (ha ¹$mQ>©a _| Xmo ~ma)

6. ã`mO _wº$ H«o${S>Q> Ad{Y 20 - 50 {XZ

66


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31.03.2021 VH$, Hw$b H«o${S>Q> H$mS©> nmoQ>©\$mo{b`mo 31.03.2020 H$mo 3,24,057 go ~‹T>H$a 3,47,428 hmo J`m h¡& df© 2020-21 Ho$ Xm¡amZ H§$nZr Zo 23,371 H«o${S>Q> H$mS©> Omar {H$E h¢ & 2020-21 _|, H§$nZr Zo ` 529.66 bmI H$m ewÕ bm^ (AZA§Ho${jV) hm{gb {H$`m& H§$nZr Zo {d{^Þ _m_bm| _| Am` ~OQ> H$mo nma H$a {b`m, ì`` go amOñd _| 132.60 à{VeV, ^moOZ H$mS©> go Am` _| 136.89 à{VeV Am¡a ã`mO Am¡a AÝ` Am` _| 191.10 à{VeV& Hw$b {_bmH$a H§$nZr Zo 118.90 à{VeV ~OQ> Am¡a ` 11.89 H$amo‹S> H$m amOñd àmá H$aHo$ Hw$b amOñd H$mo nma H$a {b`m&

‹S>) AmB©S>r~rAmB© ~¢H$ {b{_Q>oS>

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{dÎmr` df© 2020-21 Ho$ Xm¡amZ AmB©S>r~rAmB© ~¢H$ Ho$ H$m`©-{ZînmXZ H$s _w»` ~mV|

{XZm§H$ 31 _mM© 2021 H$mo AmB©S>r~rAmB© ~¢H$ Ho$ VwbZ nÌ H$m AmH$ma ` 2,97,764 H$amo‹S> Am¡a Hw$b H$mamo~ma ` 3,59,048 H$amo‹S> Wm& ~¢H$ H$s _w»` {dÎmr` {deofVmE± ZrMo Xr JB© h¢:

H$mamo~ma {deofVmE±(` H$amo‹S> _|)

`Wm 31 _mM© 2021

O_mam{e`m± 2,30,898- H$mgm O_mam{e`m± 1,16,491- H$mgm H$m {hñgm (%) 50,45%A{J«_ (gH$b) 1,61,901- H$m°anmoaoQ> 62,113- [aQ>ob 99,788

- H$m°anmoaoQ> : [aQ>ob (%) 38,62

67

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ny§Or AZwnmV`Wm 31 _mM© 2021

grAmaEAma 15.59%{Q>à 1 AZwnmV 13.06%

{dÎmr` df© 2020-21 Ho$ Xm¡amZ AmB©S>r~rAmB©-EbAmB©gr Ho$ ~rM Vmb_ob:

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XmoZm| hr g§ñWmE§ AnZo g§~§{YV H$mamo~ma I§S>m| _| C„oIZr` àXe©Z H$a ahr h¢, AV… `h Ano{jV h¡ {H$ H$mamo~ma H$s dV©_mZ Vrd«Vm Ho$ gmW AmJo ~‹T>Vo hþE XmoZm| hr g§ñWmE§ {d{^Þ joÌm| _| Vmb_ob H$mo ~‹T>mZm Omar aI|Jr VWm AnZo {hVYmaH$m| Ho$ _yë` _| d¥{Õ H$a|Jr &

28 Am^ma àXe©Z…

^maVr` OrdZ ~r_m {ZJ_, AnZo H$m`m©b`m| _| Xm¡ao na Am`r {d{^Þ g§gXr` g{_{V`m|, Ho$ÝÐr` {dÎm _§Ìr (ì``, ~¡qH$J Ed§ ~r_m), Ho$ÝÐr` {dÎm amÁ`_§Ìr, {dÎm _§Ìmb` Ho$ ~r_m {d^mJ, Am{W©H$ H$m`© {d^mJ Ed§ ^maVr` ~r_m {d{Z`m_H$ {dH$mg àm{YH$aU H$mo {d{^Þ _wÔm| na CZHo$ g{H«$` g_W©Z, gbmh Ed§ gh`moJ Ho$ {bE hm{X©H$ YÝ`dmX km{nV H$aVm h¡ &

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{dÎmr` df© 2020-21 Ho$ Xm¡amZ {OZ ~moS©> Ho$ gXñ`m| H$m H$m`©H$mb g_má hþAm h¡, ^maVr` OrdZ ~r_m {ZJ_ CZHo$ `moJXmZ H$s gamhZm H$aVm h¡ Am¡a {Zð>mnyd©H$ YÝ`dmX ì`º$ H$aVm h¡&

^maVr` OrdZ ~r_m {ZJ_ AnZo bmIm| nm°{bgrYmaH$m| Ho$ à{V ^r H¥$VkVm ì`º$ H$aVm h¡, {OÝhm|Zo h_ na nwZ… âmogm {H$`m VWm g§JR>Z H$mo AnZm g_W©Z Omar aIm&

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68


n[aUm_m| H$m gmam§e Zd ì`dgm` df© Ho$ Xm¡amZ 2020-2021 2019-2020

ì`pŠVJV ~r_m~r_m YZ/EZgrAmo/E_ Eg ~r (` H$amo‹S> _|) (` H$amo‹S> _|)H$) ~r_o 556997.05 617659.13I) dm{f{H©$`m±* 19450.82 14851.18

J) n|eZ* 0.00 361.90

K) J¡a g§~Õ ñdmñW*** 26419.13 26468.61

L) g§~Õ*** 3298.67 829.72

nm°{bgr`m| H$s g§»`m (` bmI _|)H$) ~r_o 203.04 213.62I) dm{f{H©$`m± 2.68 2.34J) n|eZ 0.00 0.07K) J¡a g§~Õ ñdmñÏ` 3.24 2.83L) g§~Õ 0.90 0.24g_yh `moOZmE±~r_m YZ (g§~Õ ì`dgm` g{hVm) 308528.04 186579.95 dm{f{H©$`m± H$m ^wJVmZ 798.22 #78884.50 dm{f{H©$`m| Ho$ {bE à{Vnb 76667.42 77532.97 `moOZmAm| H$s g§»`mg_yh ~r_m (g§dmX ì`dgm` g§{hV) 31322 28741 gm_m{OH$ gwajm g_yh `moOZmE± - - g_yh godm{Zd¥{Îm 473 145 OrdZm| H$s g§»`m (bmI _|)g_yh ~r_m (g§~Õ ì`dgm` g{hV) 311.46 296.04g_yh ~r_m gmå{OH$ gwajm g_yh `moOZmE± 0 94.20g_yh godm{Zd¥pËV 4.19 15.06Mmby ì`dgm` df© H$s g_mpßV naì`pŠVJV ~r_m~r_m YZ Ed§ ~moZg / EnrEo / E_ Eg ~rH$) ~r_o 5986624.46 5686035.01I) dm{f{H©$`m±** 7670.30 6367.13

J) n|eZ** 2173.59 2118.52

K) J¡a g§~Õ ñdmñÏ`*** 60458.25 51465.02

L) g§~Õ*** 21307.37 28917.29

nm°{bgr`m| H$s g§»`m (` bmI _|)H$) ~r_o 2797.13 2817.63I) dm{f{H©$`m± 22.92 20.44J) n|eZ 14.84 15.16K) J¡a g§~Õ ñdmñÏ` 7.18 6.34L) g§~Õ 21.18 33.38g_yh `moOZmE±~r_m YZ (g§~Õ ì`dgm` g{hV) 1577407.78 1881026.32dm{f{H©$`m± H$m ^wJVmZ 9503.56 8834.55dm{f{H©$`m± Ho$ {bE à{V\$b* 416691.99 360677.23`moOZmAm| H$s g§»`mg_yh ~r_m (g§~ÜX ì`dgm` g§{hV) 143636 141343g_yh godm{Zd¥{V 20366 23702OrdZm| H$s g§»`m (bmI _|)g_yh ~r_m (g§~Õ ì`dgm` g{hV) 835.22 1042.90g_yh godm{Zd¥pËV 96.45 92.58

*EZ gr Amo doë`y - ZmoeZb H°$e Am°ßeZ, **E nr E doë`y - à{Vdf© dm{f{H©$`m±, ***E_ Eg ~r - _oOa g{O©H$b ~o{Z{\$Q>#`h aH$_ ^{dî` dm{f{H©$`m± Ho$ {bE CnbãY h¡ & ***OrdZ Amamo½`, hoëW ßbg Am¡a hoëW àmoQ>oŠeZ ßbg `moOZmAm| Ho$ AZ§VJV ~r_mYZ Ho$ H$m°bJ _| _oOa g{O©H$b ^mJ Xem©`m J`m h¡&

69

64dm{f©H [anmoQ©

dt

n[aUm_m| H$m gmam§e (Omar) Am` 2020-2021 2019-2020

(` H$amo‹S> _|) (` H$amo‹S> _|)

ì`pŠVJV ~r_màW_ dfu` àr{_`_ 27576.15 29356.08{nN>bo df© na à{VeV d¥{Õ -6.06 10.42nadVu àr{_`_ 210094.39 192738.91EH$b àr{_`_ Ed§ _§Oya dm{f{H©$`m| Ho$ {bE à{V\$b 28291.76 22021.02ì`pŠVJV n|eZ `moOZmE±àW_ dfu` àr{_`_ 3.96 23.71nadVu àr{_`_ 576.64 620.26_§Oya dm{f{H©$`m| Ho$ {bE à{V\$b 0.00 8.48g_yh `moOZmE±g_yh ~r_m àr{_`_ 39183.96 31833.56g_yh godm - {Zd¥Îmr àr{_`_ 95723.58 101711.44g§~§ÜX ì`dgm` àr{_`_ 1393.91 749.1Hw$b {à_r`_ Am` 402844.35 379062.56{nN>bo df© na à{VeV d¥{Õ nadVu àr{_`_ 6.27 12.42{Zdoe go Am` 272690.16 234187.31{d{dY 599.51 1475.09Hw$b Am` 676134.02 614718.85C{MV _yë` _| ~Xbmd Ho$ MbVo A§Va (`w{ZQ> \§$S>) 6070.98 1164.09ewÕ Hw$b Am` 682205.00 615882.94ZmoQ>: *{nN>bo df© Ho$ Am±H$‹S>m| H$mo Amdí`H$Vm AZwgma nwZ: g§J«{hV {H$`m J`m h¡&

265962

244116

134908

133545

272690

234187

581

652

1394

749

600

1469

6071

1164

2000002020-21

2019-20

40000 60000 80000 100000 120000 140000 160000 180000 200000 220000 240000 260000 280000

C{MV _yë` _| ~Xbmd Ho$ MbVoAÝVa qbŠS> ì`dgm` (`y{ZQ> µ\§$S>)

Am` H$m {díbofU(` H$amo‹S> _|)

ì`{º$JV ~r_m

ì`{º$JV noÝeZ `moOZm

g_yh `moOZm

qbŠS> ì`dgm` àr{_`_

{Zdoe go Am`

{d{dY

70


n[aUm_m| H$m gmam§e (Omar)ì`` 2020-2021 2019-2020

~r_m YmaH$m| H$mo ^wJVmZ (` H$amo‹S> _|) (` H$amo‹S> _|)

n[anŠdVm Xmdo 167549.58 152437.98_¥Ë`y Xmdo 23776.74 17465.28dm{f©{H$`m± 14571.36 13015.29Aä`§nU© 80986.14 74355.51Hw$b am{e 286883.82 254222.26

ZmoQ>: *{nN>bo df© Ho$ Am±H$‹S>m| H$mo Amdí`H$Vm AZwgma nwZ: g§J«{hV {H$`m J`m h¡&

180000

160000

140000

120000

100000

80000

60000

40000

20000

0

nm°{bgr ^wJVmAm| H$m {ddaU(` H$amo‹S> _|) (1 H$amo‹S> = 10 million)

à~§YZ ì`` H$m {ddaU(` H$amo‹S> _|) (1 H$amo‹S> = 10 million)

n[anŠdVm Xmdo _¥Ë`w Xmdo dm{f©{H$`m| Aä`n©U

30000

25000

20000

15000

10000

5000

0

AÝ` ì`` (H$ag§M` _| A§VaU Am{X)

20450

152438

167550

2133822170

25090

26755

9167

8234

17188

13077

26982899

1746523777

1301514571

74356

80986

2020-21 2019-20

2020-21 2019-20

A{^H$Vm©H$mH${_eZ Am{X

H$_©Mm[a`m| H$m doVZEd§ AÝ` bm^

AÝ` à~§YZ ì`` H|$Ð gaH$ma H$mo 5%_yë`Z H$m A{Yeof

71

64dm{f©H [anmoQ©

dt

n[aUm_m| H$m gmam§e (Omar)à~§YZ ì`` 2020-2021

(` H$amo‹S> _|)2019-2020

(` H$amo‹S> _|)A{^H$Vm©Am| H$mo H$_reZ Am{X 22169.92 21338.34H$_©Mm[a`m| H$mo doVZ VWm AÝ` bm^ 26755.18 25089.77AÝ` à~§YZ ì`` 8234.34 9167.04Hw$b 57159.44 55595.15AÝ` ì``AÝ` ì`` (H$a, g§M` H$mo AÝVaU, Am{X) 13077.07 17188.37Ho$ÝÐ gaH$ma H$mo àXÎm _yë`Z A{Yeof H$m 5 à{VeV 2889.01 2697.74Hw$b 15966.08 19886.11Hw$b ì`` 360009.34 329703.52

df© H$s g_mpßV na ~H$m`m Xmdo 2020-2021 (` H$amo‹S> _|)

2019-2020 (` H$amo‹S> _|)

n[anŠdVm 9481.53 9057.51_¥Ë`y 292.42 342.78Hw$b 9773.95 9400.29à~§YZ ì`` H$m Hw$b àr{_`_ Am` go AZwnmVA{^H$Vm©Am| H$mo H${_eZ Am{X 6.13% 5.50%H$_©Mm[a`m| H$m doVZ VWm AÝ` bm^ 6.61% 6.62%à~§YZ Ho$ AÝ` ì`` 2.50% 2.65%gH$b ì`` AZwnmV 14.19% 14.67%~H$m`m Xmdm| H$m Xo` Xmdm| go AZwnmV 5.11 5.52Am¡gV OrdZ ~r_m {Z{Y na àmßV ã`mO H$s Xa 7.42 7.54

*{nN>bo df© Ho$ Am§H$S>mo H$mo Amdí`H$Vm AZwgma EH${ÌV {H$`m J`m h¡&

nm°{bgr Xo`VmE§ 2020-2021 (` H$amo‹S> _|)

2019-2020 (` H$amo‹S> _|)

Ag§~Õ ì`dgm`df© Ho$ àmaå^ _| nm°{bgr Xo`VmE§ 3081998.18 2786711.95OmoS> : ì`d go Am` H$m Am{YŠ` 321752.79 295286.23df© Ho$ AÝV _| nm°{bgr Xo`Vm 3403750.97 3081998.18{nN>bo df© na à{VeV d¥Õr 10.44% 10.60%g§~Õ ì`dgm`df© Ho$ àmaå^ _| nm°{bgr Xo`VmE§ 32497.65 41607.99OmoS> : ì`d go Am` H$m Am{YŠ` 434.31 -9110.34df© Ho$ AÝV _| nm°{bgr Xo`Vm 32931.96 32497.65{nN>bo df© na à{VeV d¥Õr 1.34% -21.90%

72


gmaUr g§ 1 E Zd ì`dgm` (ì`pŠVJV)^maV _| ì`dgm` ^maV Ho$ ~mha ì`dgm` Hw$b Zd ì`dgm`

df© nm°{bgr`m|H$s g§»`m

~r_m YZ/EZgrAmo/EnrE(` H$amo‹S> _|)

àmßV dm{f©H$ àr{_`_

(` H$amo‹S> _|)

nm°{bgr`m|H$s g§»`m

~r_m YZ/EZ-grAmo/EnrE(` H$amo‹S> _|)


(` H$amo‹S> _|)




(` H$amo‹S> _|)

ì`pŠVJV ~r_m

2018-2019 20795524 549210.97 28832.54 14472 976.74 47.55 20809996 550187.71 28880.09

2019-2020 21349725 616751.32 32886.65 12502 907.81 46.19 21362227 617659.13 32932.83

2020-2021 20294149 556255.31 29060.56 9678 741.75 39.88 20303827 556997.05 29100.44

gm_mÝ` dm{f©H$s

2018-2019 330260 6990.76 0.00 - - - 330260 6990.76 0.00

2019-2020 233720 14851.18 0.00 - - - 233720 14851.18 0.00

2020-2021 267556 19450.82 0.00 - - - 267556 19450.82 0.00

noÝeZ

2018-2019 8849 449.16 24.31 - - - 8849 449.16 24.31

2019-2020 6547 361.90 18.56 - - - 6547 361.90 18.56

2020-2021 0 0.00 0.00 - - - 0 0.00 0.00

J¡a-g§~Õ ñdmñW OrdZ Amamo½`*

2018-2019 262498 24563.17 122.68 - - - 262498 24563.17 122.68

2019-2020 282505 26468.61 117.78 - - - 282505 26468.61 117.78

2020-2021 323721 26419.13 122.07 - - - 323721 26419.13 122.07

1

1.5

2.5

2

dm{f©H$ àr{_`_ àmß` (` H$amo‹S> _|)

nm±{bgr`m± (H$amo‹S> _|)

{~_m YZ/EZgrAmo (` H$amo‹S> _|)700000

650000

600000

550000

500000

35000

30000

25000

20000

15000

2.102.192.14

2018-2019 2019-2020 2020-2021

606166

660170

582482

2018-2019 2019-2020 2020-2021

29443

33145

29056

2018-2019 2019-2020 2020-2021

Zd ì`dgm` 2018-19 go 2020-21

73

64dm{f©H [anmoQ©

dt

gmaUr g§ 1 E Zd ì`dgm` (ì`pŠVJV) (Omar)^maV _| ì`dgm` ^maV Ho$ ~mha ì`dgm` Hw$b Zd ì`dgm`


~r_m YZ/EZgrAmo/EnrE(` H$amo‹S> _|)


(` H$amo‹S> _|)




(` H$amo‹S> _|)




(` H$amo‹S> _|)

`w{ZQ> g§~§Yr Ý`w E§S>m¡_|ÝQ> ßbg (ßbm°Z Z. 835)

2018-2019 6774 287.93 28.79 - - - 6774 287.93 28.79

2019-2020 17532 591.70 59.17 - - - 17532 591.70 59.17

2020-2021 0 0.00 0.00 - - - 0 0.00 0.00

Ý`y E§S>mo_|Q> ßbg (ßbm°Z Z. 935)

2018-2019 - - - - - - - - -

2019-2020 522 19.23 1.92 - - - 522 19.23 1.92

2020-2021 13363 400.65 40.07 - - - 13363 400.65 40.07

{Zdoe ßbg

2018-2019 - - - - - - - - -

2019-2020 2694 68.69 - - - - 2694 68.69 -

2020-2021 43847 1137.73 - - - - 43847 1137.73 -

grn

2018-2019 - - - - - - - - -

2019-2020 2975 148.00 15.00 - - - 2975 148.00 15.00

2020-2021 32803 1756.04 179.92 - - - 32803 1756.04 179.92

`y.Ho$. g§~ÜX

2018-2019 - - - 10 2.09 0.00 10 2.09 0.00

2019-2020 - - - 10 2.09 0.00 10 2.09 0.00

2020-2021 - - - 18 4.24 0.00 18 4.24 0.00

*OrdZ Amamo½` Ho$ A§VJ©V ~r_mYZ Ho$ H$m°b_ _| _oOa _| gm{O©H$b bm^ Xem©`m J`m h¡&

74


Zd ì`dgm` (g_yh)gmaUr Z§. 1 ~r

df©`moOZmAm| H$s g§»`m gXñ`m| H$s g§»`m ~r_m YZ/dm{f©{H$`m¢ H$m

^w½VmZdm{f©{H$`m¢ Ho$ {bE

à{V\$b

(bmI _|) (ê$. H$amoS> _|) (ê$. H$amoS> _|)

g_yh ~r_m (gm_m{OH$ gwajm g{hV)

2018-2019 29134 556.34 499085.63 0

2019-2020 28741 390.23 186579.95 0

2020-2021 31322 311.46 308528.04 0

g_yh godm {Zd¥{Îm

2018-2019 217 6.66 709.84 42083.58

2019-2020 145 15.06 #78884.50 77532.97

2020-2021 473 4.19 798.22 76667.42

# Bg Am§H$S>o _| dm{f©H$s Ho$ {b`o àmßV àr{_`_ Ho$ Am§H$S>o H$mo em{_b {H$`m J`m h¡ &

Zd ì`dgm` g_wh ~r_m (gm_m{OH$ gwajm g{hV)

308528

186580

~r_mYZ/dm{f©H$ à{Vdf©(` H$amo‹S> _|)

700000

800000

600000

500000

400000

300000

200000

100000

0

499086

2018-2019 2019-2020 2020-2021

31322

28741

`moOZmAmo H$s g§»`m(bmIm| _|)

32000

31000

30000

29000

28000

27000

26000

0

29134

2018-2019 2019-2020 2020-2021

311

390

gXñ`m| H$s g§»`m(bmIm| _|)

600

500

400

300

200

100

0

556

2018-2019 2019-2020 2020-2021

75

64dm{f©H [anmoQ©

dt

gmaUr g§. 3 E Mmby ì`dgm` (ì`pŠVJV)^maV _| Mmby ì`dgm` ^maV Ho$ ~mha Mmby ì`dgm` Hy$b Mmby ì`dgm`




(` H$amo‹S> _|)




(` H$amo‹S> _|)




(` H$amo‹S> _|)

ì`pŠVJV ~r_m

2018-2019 282137112 4503861.81 211259.75 106225 5796.42 288.25 282243337 4509658.22 211548.00

2019-2020 281658312 4803768.44 225581.08 104207 5970.28 299.20 281762519 4809738.72 225880.28

2020-2021 279614060 5029944.65 235066.75 98761 6083.34 300.07 279712821 5036027.99 235366.82

gm_mÝ` dm{f©H$s

2018-2019 1820911 5206.99 9.31 1 0.00 0.00 1820912 5207.00 9.31

2019-2020 2043879 6367.13 7.91 1 0.00 0.00 2043880 6367.13 7.91

2020-2021 2292119 7670.30 6.91 1 0.00 0.00 2292120 7670.30 6.91

noÝeZ

2018-2019 1541649 2076.60 720.58 171 1.52 0.11 1541820 2078.12 720.69

2019-2020 1515607 2117.06 662.73 170 1.46 0.10 1515777 2118.52 662.83

2020-2021 1484182 2166.61 589.78 160 0.66 0.09 1484342 2173.59 589.87

30

25

20

15

10

27.9728.1828.22

2018-2019 2019-2020 2020-2021

5000000

4500000

4000000

3500000

3000000

5036028

48097394509658

2018-2019 2019-2020 2020-2021

6000000235367

225880

211548

2018-2019 2019-2020 2020-2021

230000

220000

210000

200000

190000

180000

240000

nm°{bgr`m| H$s g§»`m (H$amo‹S> _|)

{~_m YZ/EnrE (` H$amo‹S> _|) dm{f©H$ àr{_`_ àmß` (` H$amo‹S> _|)

ì`pŠVJV ~r_m Ho$ A§VJ©V Hw$b Mmby ì`dgm`

76


gmaUr g§. 3 E Mmby ì`dgm` (ì`pŠVJV) (Omar)^maV _| Mmby ì`dgm` ^maV Ho$ ~mha Mmby ì`dgm` Hy$b Mmby ì`dgm`




(` H$amo‹S> _|)




(` H$amo‹S> _|)




(` H$amo‹S> _|)

J¡a g§~Õ ñdmñW OrdZ Amamo½`*

2018-2019 570669 39445.24 305.63 - - - 570669 39445.24 305.63

2019-2020 633545 51465.02 331.72 - - - 633545 51465.02 331.72

2020-2021 717605 60458.25 359.12 - - - 717605 60458.25 359.12

`y{ZQ> g§dYr â`yMa ßbg

2018-2019 66562 42.05 9.13 - - - 66562 42.05 9.13

2019-2020 53440 35.31 7.75 - - - 53440 35.31 7.75

2020-2021 39757 30.30 6.48 - - - 39757 30.30 6.48

OrdZ ßbg

2018-2019 69347 1306.58 151.12 - - - 69347 1306.58 151.12

2019-2020 64863 1220.43 148.89 - - - 64863 1220.43 148.89

2020-2021 60864 1146.14 146.84 - - - 60864 1146.14 146.84

_Zr ßbg

2018-2019 178986 1912.11 152.50 - - - 178986 1912.11 152.50

2019-2020 163785 1750.45 138.48 - - - 163785 1750.45 138.48

2020-2021 150626 1605.96 125.57 - - - 150626 1605.96 125.57

_mH}$Q> ßbg

2018-2019 483847 147.75 56.22 - - - 483847 147.75 56.22

2019-2020 432559 132.47 51.43 - - - 432559 132.47 51.43

2020-2021 396876 120.02 47.59 - - - 396876 120.02 47.59

\$m°À`©yZ ßbg

2018-2019 13992 391.12 0.00 - - - 13992 391.12 0.00

2019-2020 12802 359.49 0.00 - - - 12802 359.49 0.00

2020-2021 11983 336.82 0.00 - - - 11983 336.82 0.00

àm°{\$Q> ßbg

2018-2019 232597 2735.65 0.00 - - - 232597 2735.65 0.00

2019-2020 203239 2424.43 0.00 - - - 203239 2424.43 0.00

2020-2021 187468 2225.16 0.00 - - - 187468 2225.16 0.00

_Zr ßbg-1

2018-2019 18598 200.28 20.85 - - - 18598 200.28 20.85

2019-2020 14618 157.44 16.59 - - - 14618 157.44 16.59

2020-2021 12808 134.64 14.80 - - - 12808 134.64 14.80

MmBëS> \$m°À`y©Z ßbg

2018-2019 15250 312.48 16.22 - - - 15250 312.48 16.22

2019-2020 14083 289.31 14.66 - - - 14083 289.31 14.66

2020-2021 13035 270.42 13.56 - - - 13035 270.42 13.56

77

64dm{f©H [anmoQ©

dt





(` H$amo‹S> _|)




(` H$amo‹S> _|)




(` H$amo‹S> _|)

_mH}$Q> ßbg 1

2018-2019 992099 224.57 113.20 - - - 992099 224.57 113.20

2019-2020 649867 180.52 81.38 - - - 649867 180.52 81.38

2020-2021 475048 153.74 60.50 - - - 475048 153.74 60.50

hoëW ßbg*

2018-2019 79747 3320.53 81.01 - - - 79747 3320.53 81.01

2019-2020 71721 3001.78 71.64 - - - 71721 3001.78 71.64

2020-2021 64702 2568.03 64.65 - - - 64702 2568.03 64.65

hoëW àmQ>oŠeZ ßbg*

2018-2019 93020 3716.49 44.62 - - - 93020 3716.49 44.62

2019-2020 90206 3607.98 39.58 - - - 90206 3607.98 39.58

2020-2021 87518 3423.24 35.80 - - - 87518 3423.24 35.80

OrdZ gmWr ßbg

2018-2019 2577 37.51 2.72 - - - 2577 37.51 2.72

2019-2020 1632 26.63 1.88 - - - 1632 26.63 1.88

2020-2021 1532 25.21 1.75 - - - 1532 25.21 1.75

d¡ëW ßbg

2018-2019 1291930 13842.10 0.00 - - - 1291930 13842.10 0.00

2019-2020 385305 3934.59 0.00 - - - 385305 3934.59 0.00

2020-2021 0 0.00 0.00 - - - 0 0.00 0.00

E§S>mo_oQ> ßbg

2018-2019 580609 5086.71 109.56 - - - 580609 5086.71 109.56

2019-2020 525560 4572.12 97.17 - - - 525560 4572.12 97.17

2020-2021 239674 2268.82 44.24 - - - 239674 2268.82 44.24

noÝeZ ßbg

2018-2019 62925 0.00 70.90 - - - 62925 0.00 70.90

2019-2020 58545 0.00 66.43 - - - 58545 0.00 66.43

2020-2021 26305 0.00 36.28 - - - 26305 0.00 36.28

g_¥Õr ßbg

2018-2019 566451 5213.35 32.76 - - - 566451 5213.35 32.76

2019-2020 527989 4832.43 29.03 - - - 527989 4832.43 29.03

2020-2021 204983 1854.74 10.35 - - - 204983 1854.74 10.35

âboŠgr ßbg

2018-2019 1005 23.13 2.31 - - - 1005 23.13 2.31

2019-2020 889 20.31 2.03 - - - 889 20.31 2.03

2020-2021 800 18.17 1.82 - - - 800 18.17 1.82

Ý`y E§S>mo_oQ> ßbg (ßbm°Z Z. 835)

2018-2019 43314 1515.68 151.56 - - - 43314 1515.68 151.56

2019-2020 60133 2079.04 207.90 - - - 60133 2079.04 207.90

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85

64dm{f©H [anmoQ©

dt

n[a{eï> - 1df© 31.03.2021 H$mo {ZJ_ Ho$ d[að> A{YH$mar

lr Hw$_ma E_ AmaAÜ`j

lr AmZÝX {d{nZà~§Y {ZXoeH$lr amO Hw$_maà~§Y {ZXoeH$

lr Jwám _wHo$e Hw$_maà~§Y {ZXoeH$lr _hmpÝV {gÕmW©à~§Y {ZXoeH$

lr e{eHw$_ma EM.Eg.à_wI H$m`©H$mar A{YH$mar (EMEE_gr), Ho$ÝÐr` H$m`m©b`, _w§~B©lr ZmJÝ`mb Ho$.Eg.H$m`©H$mar {ZXoeH$ (n|eZ Ed§ g_yh `moOZm), Ho$ÝÐr` H$m`m©b`, _w§~B©lr amHo$e Hw$_ma{ZXoeH$, à.{d.Ho$., _w§~B©

lr _mohÝVr S>r.nr.H$m`©H$mar {ZXoeH$ (Am§V[aH$ boIm narjU), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr Hw$_ma amHo$eà_wI H$m`©H$mar A{YH$mar (H$mS©>), Ho$ÝÐr` H$m`m©b`, {X„r

lr_Vr O¡Z aoUw{ZXoeH$, joÌr` à{ejU Ho$ÝÐ, JwS>Jm§d

lr_Vr AmBn {_{ZjoÌr` à~§YH$ (à^mar), joÌr` H$m`m©b`, h¡Xam~mX

lr_Vr gw~«_m{U`Z aoUwH$mH$m`©H$mar {ZXoeH$ (J«mhH$ g§~§Y à~§YZ/Xmdm/ dm{f©{H$`m§), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr nQ>Zm`H$ ~r.gr._hmg{Md (B©.gr.Amo.AmB©), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr ^JV {XZoe Hw$_majoÌr` à~§YH$ (à^mar), joÌr` H$m`m©b`, {X„r

gwlr H$m¡b ZdrZ H$m`©H$mar {ZXoeH$ ({dYr), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr_Vr M§Ðm {Zê$n_mH$m`©H$mar {ZXoeH$ (_mg§{d/{g{d/{Z`mo), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr _moH$mer Eg.EZ.H$m`©H$mar {ZXoeH$({Zdoe/Omo.à.AZwg§YmZ), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr _wIOu E.H$m`©H$mar {ZXoeH$ ({ZJ{_V `moOZm/Z.à.), Ho$ÝÐr` H$m`m©b`, _w§~B©

gwlr BZm goR> {ZXoeH$, joÌr` à{ejU Ho$ÝÐ, ^monmb

lr_Vr JJ© g[aVm H$m`©H$mar {ZXoeH$ (gyMZm àm¡Úmo{JH$s/ì`dgm` àH«$s`m nwZa©MZm), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr ZmS>H$Uu Eg.Eg.H$m`©H$mar {ZXoeH$ (g§nXm Ed§ H$m.go.), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr Z§Xm EM.H$m`©H$mar {ZXoeH$ (gyMZm àm¡Úmo{JH$s/g§gmYH$ {dH$mg), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr g§J_ nr Ho$H$m`©H$mar {ZXoeH$ (A{^`m§{ÌH$s), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr _wabrYaZ nrH$m`©H$mar {ZXoeH$ ({dnUZ/CËnmXZ {dH$mg/Eg.~r.E),Ho$ÝÐr` H$m`m©b`, _w§~B©

lr ZëbmHw$Q²>Q>mb_² Eg.àmMm`©, joÌr` à{ejU Ho$ÝÐ, MoÞB©lr {dH$mg amd gr.joÌr` à~§YH$ (à^mar), joÌr` H$m`m©b`, _w§~B©

lr n§JVr {XZoe Hw$_maà_wI H$m`©H$mar A{YH$mar (EE_gr), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr O¡Z nr.Ho$.H$m`©H$mar {ZXoeH$(ghm`H$ H§$n{Z`m°), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr amOrdZ Zm`a Ho$.H$m`©H$mar {ZXoeH$ ({ZJ{_V g§àofU), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr {gÝhm EZ.nr.joÌr` à~§YH$ (à^mar), joÌr` H$m`m©b`, H$mobH$mVm

lr _{gb O`_mohZ nr.H$m`©H$mar {ZXoeH$ ({Zdoe-_m°{Z./Am`.nr.Amo. àH$moð>), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr Jwám A{ZbA{V[aº$ {ZXoeH$, joÌr` à{ejU Ho$ÝÐ, JwS>Jm§d

lr H${XaogZ Ho$.joÌr` à~§YH$ (à^mar), joÌr` H$m`m©b`, MoÞB©

lr Hw$_ma _hoÝÐjoÌr` à~§YH$ (à^mar), joÌr` H$m`m©b`, nQ>Zm

lr àH$me M§XjoÌr` à~§YH$ (à^mar), joÌr` H$m`m©b`, ^monmb

lr àdrU Hw$_maH$m`©H$mar {ZXoeH$ (Zd ì`dgm` Ed§ nwZ~u_m), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr_Vr àr{V n§dmaà_wI H$m`©H$mar (n|eZ \§$S>), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr d_m© g§O`H$m`©H$mar {ZXoeH$ (Ama.Q>r.AmB©), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr ~ohoam Eg.{ZXoeH$, joÌr` à{ejU Ho$ÝÐ, O_eoXnwa

lr_Vr Ioa nr. H$m`©H$mar {ZXoeH$ (H$m{_©H$), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr AmZ§X E.Ho$.H$m`©H$mar {ZXoeH$ ({Zdoe/àMmbZ), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr Ioa Eg.nr.à_wI H$m`©H$mar (EME\$Egb), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr añVmoJr g§O`H$m`©H$mar {ZXoeH$ (~¡.Eí`w./d¡H$pënH$ àUmbr), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr_Vr Kmof nmoånm H$m`©H$mar {ZXoeH$ (g§nH©$), Ho$ÝÐr` H$m`m©b`, {X„r

86


lr ~mbJmonmb dr{ZXoeH$, joÌr` à{ejU Ho$ÝÐ, h¡Xam~mX

lr {_lm ~r EgH$m`©H$mar {ZXoeH$ (_w.Or.~r.g.), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr AOrµOwÔrZ E_ S>rH$m`©H$mar {ZXoeH$ (gyú_ ~r_m), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr_Vr amd am_m gm{dÌr{ZXoeH$, joÌr` à{ejU Ho$ÝÐ, nwZo-AmHy$S>u

lr e_m© E Ho$joÌr` à~§YH$ (à^mar), joÌr` H$m`m©b`, H$mZnya.

lr qgh a{VH$m§Vm{ZXoeH$, joÌr` à{ejU Ho$ÝÐ, H$mobH$mVm

lr XmgJwám nrH$m`©H$mar {ZXoeH$(àË`j {dnUZ), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr d|H$Q>oñdbw© Egà_wI gVH©$Vm A{YH$mar, Ho$ÝÐr` H$m`m©b`, _w§~B©

lr {_lm nr.Ho$._w»` A{^`§Vm (A{^`m§{ÌH$s), Ho$ÝÐr` H$m`m©b`, _w§~B©.

lr gw_Z Ama Ho$_w»` A{^`§Vm (A{^`m§{ÌH$s), joÌr` H$m`m©b`, {X„r.

lr _{„¸$ àdV Hw$_ma_w»` A{^`§Vm (A{^`m§{ÌH$s), joÌr` H$m`m©b`, _w§~B©

lr g_ ob nràmXo{eH$ à~§YH$ ({dnUZ), joÌr` H$m`m©b`, _w§~B©

lr J«moda Eà_wI (H$_©Mmar gå~§Y-àemgZ {d^mJ), Ho$ÝÐr` H$m`m©b`, _w§~B©.

lr Xþ~o Ama Ho$à_wI (H$m{_©H$), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr Jwám Ama nrg§H$m` gXñ`, amï´>r` ~r_m EHo$S>_r, nwZo.

lr gm_gw§Xa Eb Ho$àmXo{eH$ à~§YH$ ({dnUZ), joÌr` H$m`m©b`, h¡Xam~mX.

lr {ÛdoXr nr_hmà~§YH$ (EME\$Eb), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr Ho$_y E_ Ho$àmXo{eH$ à~§YH$ (n|eZ Ed§ g_yh `moOZm), joÌr` H$m`m©b`, H$mobH$mVm

lr Jm¡S> {dídZmW dmB©à_wI H$m`©H$mar A{YH$mar (EME\$Eb.), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr Hw$_ma H$_bàmXo{eH$ à~§YH$ ({dnUZ), joÌr` H$m`m©b`, {X„r

lr Hw§$Sw> Aê$n_w»` A{^`§Vm (A{^`m§{ÌH$s), joÌr` H$m`m©b`, ^monmb

lr _hmnmÌm Amag§H$m` gXñ`, joÌr` à{ejU Ho$ÝÐ, H$mobH$mVm

lr {_lm nr Amaà_wI ({Zdoe/àMmbZ), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr H$m¡b g{VeàmXo{eH$ à~§YH$ (H$m. Ed§ Am¡.g§.), joÌr` H$m`m©b`, H$mZnwa

lr_Vr d_m© {dYyH$m`©H$mar {ZXoeH$ (~moS©> g{Mdmb`./{d{Z`m_H$ AZwnmbZ/Or.Oo.E\$.), Ho$ÝÐr` H$m`m©b`, _w§~B©.

lr Jwám amOrdH$m`©H$mar {ZXoeH$ (J«mhH$ g§~§Y à~§YZ/nm°{bgr godm), Ho$ÝÐr` H$m`m©b`, _w§~B©.

lr qgh `moJ|ÐH$m`©H$mar {ZXoeH$ (hoëW ~r_m), Ho$ÝÐr` H$m`m©b`, h¡Xam~mX.

lr_Vr gmo_Z Eg Eg H$m`©H$mar {ZXoeH$ ({dÎm Ed§ boIm), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr O¡Z Eg E_à_wI H$m`©H$mar A{YH$mar (Ho$Aa), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr_Vr nX_mdVr dmB© dr H$m`©H$mar {ZXoeH$,(Am§Vaamï´>r` àMmbZ), Ho$ÝÐr` H$m`m©b`, _w§~B©.

lr lrdmñVd Eo{ZXoeH$, joÌr` à{ejU Ho$ÝÐ, AmJam

lr Hw$_ma A{Zb OoCn. àmMm`©, joÌr` à{ejU Ho$ÝÐ, MoÞB©

lr Bbm§Jmo Eg._w»` A{^`§Vm (A{^`m§{ÌH$s), joÌr` H$m`m©b`, MoÞB©.

lr {_Îmb EZ Ho$à_wI ({dÎm Ed§ boIm), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr Xr{jV g§O`àmXo{eH$ à~§YH$ (g§nXm), joÌr` H$m`m©b`, _w§~B©.

lr bm{har Eà_wI ({Zdoe/_m°{Z.), Ho$ÝÐr` H$m`m©b`, _w§~B©.

lr R>mHw$a Eg Ho$à~§Y {ZXoeH$ Ed§ à_wI H$m`©H$mar A{YH$mar, ~harZ.

lr qgh Ama nrà_wI (n|eZ Ed§ g_yh `moOZm), Ho$ÝÐr` H$m`m©b`, _w§~B©.

lr goZ Oo_hmà~§YH$ (EME\$Eb), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr CÝhobH$a ~r Ho$à_wI (à^mar)({ZarjU) à_wI(Am`.nr.Amo./gob), Ho$ÝÐr` H$m`m©b`, _w§~B©

gwlr Jm~m habrZ àmXo{eH$ à~§YH$ (g§nXm), joÌr` H$m`m©b`, _w§~B©

lr VnZ Aa§YamàmXo{eH$ à~§YH$ (n|eZ Ed§ g_yh `moOZm), joÌr` H$m`m©b`, {X„r

lr dZdma Or Egà_wI (Ama.Q>r.AmB©), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr ~oham ~rCn. àmMm`©, joÌr` à{ejU Ho$ÝÐ, O_eoXnwa

lr R>mHw$a Eg_w»` A{^`§Vm (A{^`m§{ÌH$s), joÌr` H$m`m©b`, H$mobH$mVm

lr àYmZ ~ràmXo{eH$ à~§YH$ (J«mhH$ g§~§Y à~§YZ), joÌr` H$m`m©b`, H$mZnwa

lr ~mXm}bmB© {XnH$ Hw$_ma_hmà~§YH$ (EME\$Eb), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr_Vr nwéfmoÎm_ A§OyàmXo{eH$ à~§YH$ (g§nXm Ed§ H$m.go.), joÌr` H$m`m©b`, h¡Ðm~mX

87

64dm{f©H [anmoQ©

dt

lr KB© A{œZrà_wI ({Zdoe/àMmbZ), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr Zm`H$ EgàmXo{eH$ à~§YH$ (EME\$Eb.), àmXo{eH$ H$m`m©b`, H$mobH$mVm

lr_Vr a§JmamOZ EZg§H$m` gXñ`, joÌr` à{ejU Ho$ÝÐ, MoÞB©

lr Zd{Z CX`Hw$_maàmXo{eH$ à~§YH$ (EME\$Eb.), àmXo{eH$ H$m`m©b`, MoÞB©

lr MH«$nmUr OoàmXo{eH$ à~§YH$ ({dnUZ), joÌr` H$m`m©b`, MoÞB©

lr am_H¥$îUZ Q>r Eg_hmà~§YH$ (EME\$Eb), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr OJÞmW E_àmXo{eH$ à~§YH$ ({dnUZ), joÌr` H$m`m©b`, ~|Jmbwé

lr_Vr Xþ½Jb E àmXo{eH$ à~§YH$ (H$m.go.), joÌr` H$m`m©b`, _w§~B©

lr Hw$_maogZ nrà_wI ({dnUZ), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr Hw$_ma AemoH$_w»` A{^`§Vm (A{^`m§{ÌH$s), joÌr` H$m`m©b`, nQ>Zm

lr {_lm a{~Zmam`UàmXo{eH$ à~§YH$ (g§nXm), joÌr` H$m`m©b`, H$mobH$mVm

lr gMXod Amaà_wI (H$m.go), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr Hw$_ma nràmXo{eH$ à~§YH$ (EME\$Eb), àmXo{eH$ H$m`m©b`, ^monmb

gwlr Iao aMZmà_wI (J«mhH$ g§~§Y à~§YZ/nm°{bgr godm), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr {dœZmW Egà_wI (g§nXm), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr S>moamBñdm_r Amaà_wI (gyMZm àm¡Úmo{JH$s/g§gmYH$ {dH$mg), Ho$ÝÐr` H$m`m©b`, _w§~B©.

lr XmgJwám EàmXo{eH$ à~§YH$ ({dnUZ), joÌr` H$m`m©b`, H$mobH$mVm

lr {VédoÝH$Q>mMmar Egà_wI (J«mhH$ g§~§Y à~§YZ/Xmdm), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr gwYmH$a Amaà_wI ({Zdoe/àMmbZ), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr Pm Ama Ho$_hmà~§YH$ (EE_gr), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr doÝH$Q>ma_UZ Or àmXo{eH$ à~§YH$ (J«mhH$ g§~§Y à~§YZ), joÌr` H$m`m©b`, MoÞB©

lr nQ>Zm`H$ S>r nrà_wI (~moS©> g{Mdmb`./{d{Z`m_H$ AZwnmbZ/Or.Oo.E\$.), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr nm§So> V~boeà_wI (n|eZ Ed§ g_yh `moOZm/EgrOrgr), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr qgh OgnmbàmXo{eH$ à~§YH$ (EME\$Eb.), àmXo{eH$ H$m`m©b`, {X„r

lr Hw$_ma XrnH$_hmà~§YH$ (EME\$Eb), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr MVwd}Xr E_ gr{ZXoeH$ (^m.~r.g§ñWmZ), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr Pm dràmXo{eH$ à~§YH$ (EME\$Eb.), àmXo{eH$ H$m`m©b`, ~|Jmbwé

lr_Vr àgmX _brH$m àmXo{eH$ à~§YH$ (H$m. Ed§ Am¡.g§.), joÌr` H$m`m©b`, _w§~B©

lr_Vr amd C_màmXo{eH$ à~§YH$ (H$m. Ed§ Am¡.g§.), joÌr` H$m`m©b`, h¡Ðm~mX

lr _rUm Eb gràmXo{eH$ à~§YH$ (J«mhH$ g§~§Y à~§YZ), joÌr` H$m`m©b`, _w§~B©

lr nbmZr ~r_w»` A{^`§Vm, joÌr` à{ejU Ho$ÝÐ, MoÞB©

lr aOZrH$mÝV Amag§H$m` gXñ`, amï´>r` ~r_m EHo$S>_r, nwZo

lr Hw$_ma JwbeZ_w»` A{^`§Vm (A{^`m§{ÌH$s), joÌr` H$m`m©b`, H$mZnwa

lr Ya nràmXo{eH$ à~§YH$ (g§nXm Ed§ H$m.go.), joÌr` H$m`m©b`, MoÞB©

lr gVnmb ^mZwà_wI ({dnUZ/Eg.~r.E), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr AmMm`© ~ràmXo{eH$ à~§YH$ (J«mhH$ g§~§Y à~§YZ), joÌr` H$m`m©b`, H$mobH$mVm.

lr_Vr eoIa à{_bmàmXo{eH$ à~§YH$ (H$m.go.), joÌr` H$m`m©b`, {X„r.

lr Hw$_ma a{dàmXo{eH$ à~§YH$ (H$m. Ed§ Am¡.g§.), joÌr` H$m`m©b`, {X„r.

lr _{bH$ Q>r AmaàmXo{eH$ à~§YH$ (n|eZ Ed§ g_yh `moOZm), joÌr` H$m`m©b`, _w§~B©

lr Hw$_ma AO`àmXo{eH$ à~§YH$ ({dnUZ), joÌr` H$m`m©b`, ^monmb

lr Hw$_ma lmdUàmXo{eH$ à~§YH$ (H$m. Ed§ Am¡.g§.), joÌr` H$m`m©b`, H$mobH$mVm

lr {Jb JOamO qghàmXo{eH$ à~§YH$ (EME\$Eb.), àmXo{eH$ H$m`m©b`, bIZD$

gwlr à^mH$aZ Orà_wI (ghm`H$ H§$n{Z`m°/Am`.nr.Amo.àH$moð>), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr ~wM EM E_à_wI (n|eZ Ed§ g_yh `moOZm), Ho$ÝÐr` H$m`m©b`, _w§~B©

88


lr_Vr lrYa gr_mà_wI ({Zdoe/_m°{Z.), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr O`nw[a`m nràmXo{eH$ à~§YH$ (g§nXm), joÌr` H$m`m©b`, {X„r

lr AemoH$ Hw$_maàmXo{eH$ à~§YH$ (g§nXm Ed§ H$m.go.), joÌr` H$m`m©b`, nQ>Zm

lr Eobdm‹S>r Ama Ho$àmXo{eH$ à~§YH$ (H$m. Ed§ Am¡.g§.), joÌr` H$m`m©b`, ^monmb

lr_Vr e_m© EàmXo{eH$ à~§YH$ (g§nXm Ed§ H$m.go.), joÌr` H$m`m©b`, H$mZnwa

lr Vmo{b`m Oo EgàmXo{eH$ à~§YH$ ({dnUZ), joÌr` H$m`m©b`, _w§~B©

lr daÝXmZr Or S>ràmXo{eH$ à~§YH$ (J«mhH$ g§~§Y à~§YZ), joÌr` H$m`m©b`, ^monmb

lr _hVm~wO_mZàmXo{eH$ à~§YH$ ( H$m.go.), joÌr` H$m`m©b`, H$mobH$mVm

lr JmoqdXamOy E__hmà~§YH$ (EE_gr), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr dJug Om°Z nrà_wI ({dÎm Ed§ boIm), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr gËn{W Eg EZàmXo{eH$ à~§YH$ (g§nXm Ed§ H$m.go.), joÌr` H$m`m©b`, ^monmb

lr AemoH$ Ho$ Amaà_wI (~r_m§H$Z/EgrOrgr), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr ZoJr nr Egà_wI (gyMZm àm¡Úmo{JH$s/g§gmYH$ {dH$mg), Ho$ÝÐr` H$m`m©b`, _w§~B©

lr lrdmñVdm {dZrV_w»` A{^`§Vm (A{^`m§{ÌH$s), joÌr` H$m`m©b`,h¡Ðm~mX

lr Imoam Ama gràmXo{eH$ à~§YH$ (EME\$Eb), àmXo{eH$ H$m`m©b`, nQ>Zm

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96

64th

ANNUAL REPORT

CORPORATE CHRONICLE

1956 • Nationalization of 245 Companies and LIC came into being on 1st September.

• Foreign branches in Fiji and Mauritius started.

1957 • First Master Policy for a Group Insurance Scheme was issued by the Mumbai Office of LIC, covering 122 employees for Total sum assured of ` 1,82,000/-.

• First Superannuation Policy covering 11 employees for Total sum ` 12.5 Lakh with a Single Premium of ` 3.5 Lakh was issued.

• ‘Yogakshema’ Corporate Magazine started as a quarterly magazine in May.

• Salary Savings Scheme mode launched enabling employees to take LIC Policy.

1958 • LIC’s First Investment Policy placed on the table of Parliament on 25th August.

• First Bima Gram- Talni Purna Village in Amravati Distt declared.

1959 • A 14 storey Sky scraper building for housing Southern Zonal Office constructed.

1960 • Officer’s Training College founded at Nagpur on 16th May.

• Foreign branch in UK started

1961 • First Camp for On the Spot policies was organized on 15th August in Rohtak District.

• The first batch of Direct Recruit Officers joined the Corporation.

1962 • Pilot scheme of Premium Collection Through Post Offices inaugurated in village Chandlai on 25th March, 1962.

1963 • LIC adopted the Change over from Calendar Year to financial year working.

• ‘Yogakshema’, an architectural landmark, Corporate Office of LIC inaugurated by Prime Minister Pandit Jawaharlal Nehru on 26th December.

• First Computers were installed – one each in Mumbai and Kolkata Offices.

1964 • Own Your Home (OYH) scheme launched.

• ‘Yogakshema’, LIC’s House Magazine was awarded 1st prize at the Ninth state Award function on 1st September by Dr. Zakir Hussain, Vice President of India.

• LIC started doing General Insurance business.

1965 • Policy Holder’s Council set up in each Division.

• The Central Coordination Committee for Sports was formed.

1967 • IBM 1401/1410 Computer installed at Mumbai. EDP Department started functioning.

1969 • Officer's training college shifted from Nagpur to Borivali, Mumbai.

1970 • Commemorative Stamp and Post Card issued through Indian Posts and Telegraphs depicting Indian Life Insurance. 1870-1970.(A Century of Life Insurance in India).

1971 • The concept of Agents Clubs was introduced in 1971.

1972 • The first Career Agents’ Branches were set up in 1972.

• LIC of India(Agents) Regulations are formulated.

• The Reorganisation Policy was implemented from the period 1971 to 1978.Prof IshwarDayal¸ a Management Consultant engaged to restructure the operations where branches became the primary servicing centres equipped to dispose off 80% of all work originated there.

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64th

ANNUAL REPORT

• Career agency Scheme comes into existence.

• Four Levels of Agents’ Clubs – Chairman’s, Zonal Manager’s Divisional Manager’s and Branch Manager’s Clubs formed to professionalise Agency Force.

1974 • Biggest Group Insurance Master Policy for Sum Assured ` 209 Crore covering 4.18 lakh employees of Tamil Nadu State Government and Semi- Government institutions handed over to Chief Minister Dr M Karunanidhi by then Chairman Shri K.R. Puri on December 30th.

1978 • Joint Venture Kenindia Assurance Co. Limited started

• Scheme of Incentive Bonus to Development Officers came into existence.

1979 • Rural Career Agency Scheme and Urban Career Agency Scheme came into existence separately.

1980 • Direct Recruitment of Development Officers began .

• The National Insurance Academy(NIA) sponsored jointly with GIC and its subsidiaries, was founded.

1981 • Jana Raksha Policy launched to cater to the rural masses.

• Installation of Microprocessors was first initiated in October.

• Recruitment under sports quota started.

1982 • ECIL-2958 Mainframe installed at Mumbai

1986 • Commemorative Silver Coin issued to mark 30th Anniversary.

1987 • Landless Agricultural Labourers’ Group Insurance (LAGLI) was introduced in August.

• LIC’s prestigious Jeevan Bharati Building inaugurated by then Union Finance and Commerce Minister Shri N.D. Tiwari on 25th November.

1988 • Human Resource Development (HRD) policy was introduced.

• A Social Security Fund with a corpus of ` 100 crore was set up by Govt. Of India covering weaker sections of society.

1989 • LIC turns into a financial conglomerate

• LIC Housing Finance came into existence

• LIC Mutual Fund constituted as a trust on 20th April

• Joint Venture LIC International BSC(c) Bahrain inaugurated

1993 • Software Development Centre established at Corporate Office. Front End Applications Package introduced on 17th July in 17 BOs.

1994 • The Corporate Flag and the Corporate Anthem (Nigam Geet) were introduced.

1995 • The Rural Group Life Insurance Scheme (RGLIS) was launched on 15th August.

1996 • Jeevan Suraksha Pension Plan dedicated to the nation by then Prime Minister Shri H D DeveGowda on the occasion of LIC’s 40th anniversary.

1997 • LIC adopted Citizens’ Charter on 7th November.

• LIC’s first Metro Area Network(MAN) inaugurated in Mumbai by Mr Chidambaram, Hon’ble Finance Minister on 22nd November.

1998 • First IVRS inaugurated in Mumbai on 21st August.

• 150 Touch screen based Information Kiosks were set up across the country enabling Customers to get information about policies, new plans, bonus etc.

1999 • LIC(International) EC extended its operations to Qatar with effect from 28th September.

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64th

ANNUAL REPORT

2000 • LIC engages M/s Booz Allen & Hamilton, the renowned international consultants on financial services to advise LIC on ‘Process of Strategic Transformation’ on 1st January.

• Wide Area Network (WAN) inaugurated on 2nd September.

• For faster dissemination of information LIC launched its website www.licindia.in and intranet Site ‘Jeevan Sanchar’. All Zonal and Divisional Offices also have their own intranet sites.

2001 • The First unit linked Insurance Plan(ULIP) ‘Bima Plus’ launched on 12th February.

• LIC sign its first strategic alliance with Corporation Bank on 6th June.

• Krishi Shramik Samajik Suraksha Yojana launched on 30th June.

• Premium payment facility through internet introduced on 12th September.

• Shikshan Sahyog Yojana inaugurated on 31st December.

• LIC (Nepal) Ltd, inaugurated as a joint venture between LIC and Vishal Group in Nepal on 3rd December.

2002 • LIC’s first Info Centre inaugurated in Mumbai. Call Centres Set up at 8 locations across the Country. IVRS accessible through Unified Access Number 1251 was integrated with Call Centres on 12th April.

• Corporate Messaging Solution, implemented.

• Another milestone in the History of LIC was the shift from Unix operating System to Linux, an open source Operating System, which was more robust and feature rich.

• Business through Bancassurance business Started. Strategic Tie-up with Corporation Bank.

• Joint Venture LIC (Lanka) Ltd.

2003 • LIC (Lanka) Ltd inaugurated as a joint venture between LIC and Bartleet Group of Sri Lanka on 1st March.

• Bima School concept introduced.

• Rajgurunagar under Pune Division became the first Women Bima Gram on 8th March.

• Varishtha Pension Bima Yojana launched on 14th July.

• LIC’s first ever Premium Payment Facility through ATM inaugurated in collaboration with Corporation Bank on 20th December.

2004 • Premium Payment through ECS and Kiosk started.

• SMS Service initiative launched.

• MOU signed for establishing a joint stock company in Saudi Arabia on 20th December. (SICCI)

• Vidyanet (an Online training Portal for Agents) launched.

2005 • LIC’s First Satellite Sampark Office (later renamed as Satellite Office) inaugurated in Rajendra Nagar, New Delhi (Delhi DO-1), NZ on 2nd September.

• LIC and IndusInd Bank tie up for providing first ever group insurance scheme to account holders of the bank in October.

• LIC’s Web Portal Inaugurated on 15th November.

• LIC’s Golden Jubilee Exhibition, Jashn Zindagi Ka put up at National Centre for Performing Arts(NCPA), Mumbai from 4th Feb to 10th Feb.

• Launch of Enterprise Document Management System (EDMS) .

• Launch of Enterprise Portal Solutions to handle all e-business initiatives in years to come.

• Launch of Corporate Active Data Warehouse.

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64th

ANNUAL REPORT

2006 • Inauguration of LIC’s Data Centre at Ville Parle.

• LIC’s Golden Jubilee Foundation established which supported variety of Projects like construction of hospitals, school buildings, class rooms, old age homes and scholarships to meritorious students belonging to weaker sections of the society.

• LIC’s Golden Jubilee Policy Bima Gold Launched.

• Zindagi Express-LIC’s Golden Voyage Exhibition on Rails travelled across length and breadth of the Country.

2007 • LIC HFL Financial Services Ltd, wholly owned subsidiary of the Corporation incorporated on 31st October

2008 • LIC Card services incorporated as wholly owned subsidiary of LIC

• CLIA Channel Started.

• Launch of LIC Pension fund.

• LIC HFL Asset Management Company Ltd. (AMC) was incorporated on 14th February

2009 • Alternate Channels of premium payment started.

• Setting up of Risk Management Department

• New CRM initiatives like Relationship Renewal program, Help desk, Exclusive CRE, Help book started.

• LIC launched Credit Card ‘LIC Card’.

2010 • On-line paperless underwriting, SMS Enquiry Service for proposal status

2011 • Integrated Complaint Management System (ICMS) launched.

2012 • LIC’s officially developed mobile app for Android based Smartphones was deployed for general public on 23rd March.

• Jeevan Akshay VI—first policy of LIC made available for online sale.

• Wholly owned subsidiary LIC (Singapore) Pte Ltd. incorporated

2013 • Launch of ODS and Customer & Merchant Portal

• Launch of Remote Audit.

• Launch of the Results Framework Document System for HRD/OD

• Automation of Employee Information Management.

• Syndicate Bank signed MOU on 27.06.2013 as Corporate Agent of LIC to sell LIC Products.

2014 • Club Galaxy introduced for Agents

• Collection of Micro Insurance Premium through Mobile App Launched.

2015 • Launch of three social security schemes Pradhan Mantri Jeevan Jyoti Bima Yojana, (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY) and Atal Pension yojana(APY).

• Introduction of E-APAR.

• Implementation of Legal management system.

• Joint Venture LIC of Bangladesh Ltd started

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2016 • Bima Diamond Plan Launched on 1st September.

• LIC’s eServices, compliant to IRDA regulations was launched on 1st February.

• One time Diamond Jubilee Special Reversionary bonus announced for policyholders whose policies were in force as on 01.09.2016.

• Latest Corporate film was made in September

2017 • Enterprise Risk Management (ERM) Concept launched

• Digitization of policy records for 29 Crore customers completed

• SMS based customer helpline started

• Premium payment through wallets, BHIM, UPI enabled.

2018 • LIC training centres (MDC, ZTCs) and CO OD/HRD awarded ISO9001:2015 certificate and BIS accredition approved

• LIC mobile app launched for agents

• LIC call centre services launched

2019 • IDBI bank acquisition.

• Multy utility cash card “SUVIDHA” launched in collaboration with IDBI bank.

• Agent recruitment app launched.

• P&GS Largest Scheme ever with Tamil Nadu Government worth ` 23,167/- Crore

• Subsidiaries Department formed at Central Office

2020 • Uninterrupted Service to Customers through online services during Pandemic.

• Awareness campaigns in lockdown and post lockdown COVID-19 epidemic situation.

• Various Customer friendly measures taken to serve Policyholders in view of lockdown.

• Work From Home facility for Employees introduced.

• NB Digital Application ANANDA an acronym for Atma Nirbhar Agent launched on 19th November which provides for Life Insurance Policy through a Paperless module with the help of Agent.

• IPO Cell/PMU Department formed at Central Office.

• Online and Paperless Process of completion of Micro Insurance Policies launched on 6th March.

• Hindi Chatbot ‘LIC Mitra ‘launched.

2021 • Deposit Collection Management Centre launched on 5th January.

• Dena Bank Building in Bandra Kurla Complex acquired.

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1. PREAMBLE

The Life Insurance Corporation of India has pleasure in presenting its 64th Annual Report as per section 27 of the Life Insurance Corporation Act, 1956, for the financial year ending 31.03.2021

2. MEMBERS OF THE CORPORATION AND COMMITTEES

The names of the members, various committees are given in Corporate Governance(Page no. 134 to 149), Senior Executive, Appointed Actuaary, Members of Zonal Advisory Board and Policyholder’s Council during the year are given in Appendix –I (page no. 179 to 188)

3. ECONOMIC SCENARIO AND MACRO - ECONOMIC FACTORS THAT AFFECTED LIFE INSURANCE BUSINESS

INDIAN ECONOMIC SCENARIO

2020 turned out to be a year in which everything changed with the imposition of a stringent and total lockdown due to the COVID-19 pandemic. By the end of the year, COVID-19 had officially infected 81 million people, and possibly 500 million more were never diagnosed. It caused 1.8 million recorded deaths, with many more hundreds of thousands of deaths going unrecorded. The year 2021 has commenced with countries across the world undertaking vaccination drives. On January 3, 2021, India formally approved the emergency use of two vaccines and on January 16, it launched the world’s biggest vaccination drive, with plans to inoculate large numbers. The Indian Capital market has been surprisingly resilient during this continuing pandemic.

While the World Economic Outlook in its January 2021 edition hopes for a turnaround in the pandemic situation in the later part of 2021 particularly due to the vaccine approvals accorded across the world, it expresses concerns about renewed waves and newer variants of the virus. It projects the global economy growing at 5.5 percent in 2020-21 and 4.2 percent in 2021-22. The report has revised the forecast for the year 2021 up 0.3 percentage points relative to the previous forecast. The Outlook has made these projections on the assumptions of additional policy support in a few large economies as also activities expected to be strengthened on the basis of vaccines being administered in the later part of the 2021 year. However the report has also cautioned that the strength of the recovery may vary significantly across the countries, depending on the access to medical interventions, effectiveness of the policy support, exposure to cross-country spillovers, and structural characteristics entering the crisis or any major development in the economies. The Government of India and Reserve Bank of India have undertaken multidimensional efforts to monitor financial stability and provide necessary regulatory support to ease both demand and supply constraints posed by the pandemic.

As per the Government’s First Advance Estimates released on 07.01.2021, India is projected to witness its first real GDP contraction of 7.7 percent in the current fiscal year. The International Monetary Fund (IMF), however, on a positive note states that it expects India to resume its pre-COVID pre-slowdown trajectory by growing at 7.4 per cent in Financial Year 2021-22.The Reserve Bank of India has forecast a 9.5 per cent growth in real GDP in 2021-22, while the Economic Survey 2020-21 has estimated growth in real GDP in 2021-22 at 11 per cent.

a) GROSS DOMESTIC PRODUCT (GDP)

The Gross Domestic Product at constant (2011-12) prices, in the year 2020-21 is likely to reach a level of ` 134.40 Lakh crores, as against the initial Provisional Estimate of GDP for the year 2019-20 of ` 145.66 Lakh crore, indicating a fall in GDP in real terms of (-) 7.7 per cent during 2020-21, as compared to the growth rate of 4.2 percent recorded in the previous year.

At current prices, GDP for the year 2020-21 is likely to reach a level of ` 194.82 Lakh crores as against the Provisional Estimate of GDP for the year 2019-20 of ` 203.40 Lakh crore.

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Growth in GDP (at constant 2011-12 prices) (in %):

Year % Growth

2016-17(3RD RE) 8.3

2017-18 (2nd RE) 7.0

2018-19 (1st RE) 6.1

2019-20 (PE) 4.2

2020-21(1st AE) (-) 7.7

RE- Revised Estimates; PE- Provisional Estimates; AE- Advance Estimates

b) GROSS DOMESTIC SAVINGS (GDS) AND HOUSEHOLD SAVINGS:

Gross Domestic Savings at current prices in 2018-19 were ` 57,76,960 crore (2nd RE). For 2019-20 GDS is estimated to be ` 63,85,981 crore (1st RE).

Sector-wise Domestic Savings as % of GDP

Year Household Sector Gross Domestic Savings

2019-20@ 19.61% 31.38%

2018-19# 19.31% 30.59 %

2017-18* 19.29% 32.10%

2016-17 18.11% 31.35%

@-First Revised Estimate, #- Second Revised Estimate, *- Third Revised Estimate

c) FISCAL POSITION

Fiscal Deficit as a percentage of GDP is furnished in the table below: –

Year Centre and State (combined) Only Centre

2020-21 BE 6.3 3.5

2019-20 6.9 (RE) 4.6 (PA)

2018-19 5.8 3.4

2017-18 5.8 3.5

2016-17 6.9 3.5

BE -–Budget Estimate; RE - Revised Estimate; PA - Provisional Actuals;

Despite over ` 1 Lakh crore collection for six straight months, the total GST mop up in Financial Year 2020-21 contracted by 7% at around ` 11.37 Lakh crores, compared to ` 12.22 Lakh crores in Financial Year 2019-20. The gross GST revenue collected in the month of March 2021 was at a record of ` 1,23,902 crore, pointing to revival signs in the Indian economy. The provisional figures of Direct Tax collections of ` 9.45 Lakh crore for the Financial Year 2020-21 showed a growth of almost 5% over the Financial Year 2019-20. The Advance Tax collections for the Financial Year 2020-21 stood at ` 4.95 Lakh crore, thereby exhibiting a growth of approximately 6.7% over the last Financial Year.

As per the Union Budget 2021-22, the revenue deficit is targeted at 5.1% of GDP, and the fiscal deficit is targeted at 6.8% of the GDP in 2021-22. The primary deficit target (which is fiscal deficit excluding interest payments) is 3.1% of the GDP. In 2020-21, as per revised estimates, the revenue deficit is 7.5% of GDP, and fiscal deficit is at 9.5% of GDP, primarily due to the Covid-19 pandemic impact on the economy which has resulted in higher Government spending and significantly low (tax and non-tax) receipts.

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d) MONETARY CONDITIONS

Throughout the Financial Year 2020-21, the Reserve Bank of India has adopted an ‘accommodative’ monetary policy stance wherein the repo rate and reverse repo were cut by 115 bps and 155 bps respectively, since March 2020. The RBI undertook various conventional and unconventional measures like Open Market Operations and Targeted Long Term Repo Operations for maintaining Systemic liquidity in the Financial Year 2020-21. The Central Bank also announced more measures to counter the economic impact of the pandemic including ` 50,000 crore (US$7.0 billion) and refinance facility of ` 75,000 crore to NABARD, SIDBI, EXIM and NHB. The Bank rate and Marginal Standing Facility (MSF) rates were further reduced by the Central Bank from 4.65% to 4.25%.

The Policy Repo Rate was also reduced by 40 bps to 4% and the Reverse Repo Rate by 40 bps to 3.35%, as emergency measures to counter the economic fallout from the fast-spreading coronavirus pandemic. The Statutory Liquidity Ratio (SLR) was brought down from 18.25% to 18% at the start of the Financial Year 2020-21 and has been kept stable since then.

In order to tackle the pandemic situation in the country, the Indian Government has taken several steps like food security, providing extra funds for healthcare and for the states, giving tax deadline extensions, bringing in economic stimulus packages of around ` 29.87 Lakh crore (US$420 billion), changing India's foreign direct investment policy to curb "'opportunistic takeovers/acquisitions”, and so on.

e) INFLATION

The year-on-year change in the All-India Consumer Price Inflation (General) was 5.52% in the Financial Year 2020-21 as compared to 4.8%in the previous year. Increase in Food & Beverages inflation rate, Tobacco and Intoxicants Inflation rate and Fuel and Light Inflation rate, on y-o-y growth rate basis majorly contributed to the spike in the Consumer Price Index (CPI) over the previous year. Rural Inflation rate was 4.61 percent and the Urban Inflation rate stood at 6.52 percent, as at the end of the Financial Year 2020-21.

All-India Consumer Price Inflation y-o-y (%)

The annual rate of inflation for Wholesale Price Index (WPI) stood at 7.39% (provisional) for the month of March, 2021 as compared to 1.00% in March 2020. Rise in prices of crude petroleum, mineral oils like petrol and diesel and manufactured products, as compared to March 2020, majorly contributed to the increase in the annual rise in y-o-y inflation for WPI.

f) TRADE AND FOREX

India was a net importer in March 2021, with a trade deficit of USD 14.11 billion, as compared to the trade deficit of USD 9.98 billion, which shows a worsening of the deficit. India’s overall exports in the Financial Year 2020-21 were USD 290.18 billion, as compared to USD 313.36 billion during the same period last year, exhibiting a negative growth of 7.40%. India’s overall imports were USD 388.92 billion, as compared to USD 474.71 billion during the same period last year, exhibiting a negative growth of 18.07%.

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The total Foreign Direct Investment (FDI) inflows for the Financial Year 2020-21 were US$ 81.72 bn. with India's FDI in Equity in incorporated bodies to the tune of US$ 59.64 bn. (a growth of above 19% over 2019-20). The Financial Year 2020-21 also witnessed strong Foreign Portfolio Investment (FPI) inflows into the Indian equity markets of 2,74,034 crore as compared to 1,36,835 crore in 2019-20, thus reflecting the steadfast confidence of foreign investors in the fundamentals of the Indian Economy.

The country’s Foreign Exchange Reserves increased to ` 42,00,668 crore (US$ 579.29bn.) (as on 26th March, 2021 from the previous year’s ` 35,57,630 crores (US$ 475.56 bn.) A major reason for the increase in Indian Foreign Exchange Reserves is investment by foreign portfolio investors (FPIs) in the Indian stock market and also FDI.

g) EQUITY AND DEBT MARKETS

As per the RBI Annual Report 2020-21, the Indian equity market made a sharp V-shaped recovery in sync with global markets as a result of massive fiscal and monetary stimuli by the Central Bank as well as the Government of India and also due to the gradual easing in COVID-induced restrictions and on optimism arising out of vaccinations worldwide.

Even though the S&P BSE SENSEX closed at a low of 29,468 on 31st March, 2020, as on 31st March, 2021, it closed above 49,509 thus showing an upward trend indicating signs of strong revival in the Indian economy from the COVID-19 pandemic. The S&P BSE SENSEX moved in the range of 27,501 to 52,517 during the year. As against the low close of 8,598 as on 31st March 2020, the NIFTY 50 closed at a record high of 14,691, as at 31st March, 2021. Throughout the year the NIFTY 50 moved in the range of 8,056 to 15,340 during the year.

At the end of March, 2021, the P/E Ratio (Price Earnings Ratio) of S&P BSE SENSEX and NIFTY 50 were 34.94 and 33.20, respectively (as compared to 19.55 and 19.38, a year ago).

As per the provisional figures published by the RBI, the number of New Capital Issues by Non-Government Public Limited Companies declined from 106 to 90 during the year. The amount mobilised though, increased to ` 1,07,868 crore as compared to ` 79,910 crore during the previous Financial Year.

The net Assets under Management (AUM) of the Mutual Fund Industry of India as on 31st March, 2021 was ` 31,42,763.50 crore as against ` 22,26,202.90 crore as on 31st March, 2020 thereby showing a growth of 41.02% on a year to year basis.

h) INSURANCE SECTOR IN INDIA:

There are 24 life insurance, 34 non-life insurance companies (including Standalone Health Insurance companies), one Reinsurance (RI) company in the Public Sector and ten RI branches in the private Sector in the Indian insurance market. In the life Insurance space, around 66% of the market share in terms of Premium is held by the LIC, which is wholly owned by the Government and has an extensive distribution network and a strong brand image.

The Initial Public Offering (IPO) of LIC announced by the Government of India is expected to take off in the Financial Year 2021-22. As per anIndia Brand Equity Foundation report, the Life insurance industry in the country is expected to increase by 14-15% annually for the next three to five years.

Globally, India holds the 10th position in the life insurance segment.

Insurance Density and Penetration in India:

Insurance Penetration measures premium as a percentage of GDP while Insurance Density is expressed as premium per capita. These are considered most important yardsticks of insurance development in an economy.

As per the IRDA Annual Report 2019-20, the share of India in the global Insurance market increased marginally from 1.58% as in 2018 to 1.69% in 2019. The report further states that whereas globally the share of the life insurance business in total premium was only 46.34 % during 2019, in India, the share of life insurance business was high at 74.94%. During 2019 there was an increase in the life insurance business by 9.63%, whereas globally life insurance business increased only by 1.18 %.

In India, the insurance penetration declined from a peak of 4.6% in 2009 to 2.5% in 2013. As on 2019, the insurance penetration in India was 3.76 percent.

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Even though the Insurance density had gone up from US$ 9.1 in 2001 to USD 55.7 in 2010 in India, a fall in the said level was observed in the later years. However, in the backdrop of multiple regulatory actions and introduction of smart products by the life insurers, the life insurance density has reached the level of US$78 in 2019.

Source: Swiss Re, Sigma,VariousIssues—IRDA Annual Report 2019-20

Key Opportunities for the Life Insurance Industry:

1. High Demand for Pension Products and Annuity Products:

In view of the rising inflation and the high cost of living, retirement planning has become an important aspect of Investment planning. Pension plans, also known as retirement plans offer both risk cover as well as a locking in of interest rates on the lump sum amount invested in such plans. In times when inflation erodes the returns received on fixed investments, pension products by the Insurance Companies offer a good investment option.

2. More demand for Guaranteed Returns Product in view of the falling Interest Rates

In view of the falling interest rates in the current economy, guaranteed plans (which are non participating products) offer benefits that are guaranteed in absolute terms at the beginning of the policy and are becoming more popular despite the lower rate of return the plans offer as compared to other financial products. They are preferred because they offer life Insurance Cover as well for protection of the family, which especially becomes relevant during the ongoing pandemic, in addition to the guaranteed returns on maturity.

3. Increased demand for Term Insurance, higher Sum Assured

There has been a robust demand for Term Insurance. Insurance which is predominantly a push product is seeing some shift in awareness. Consumers, especially younger adults, have been buying insurance seeing increased deaths due to the Covid-19 Pandemic, as a financial backstop in the event of death.

4 More demand for Insurance Plans through On-line Platforms

The ongoing pandemic has seen an increase in the Work-From–Home (WFH) culture across most of the sectors, which has in turn increased the exposure of technology amongst all the age-groups /strata / places throughout the country. Millennials are the generation most likely to purchase insurance online. They are comfortable making financial services purchases without the personal touch previous generations desired. Generation Z (persons born between 1995 and 2010 who have been exposed to the internet, to social networks and to mobile systems all through)will prefer a complete digital experience with access to all products and services via a digital platform of choice. There has thus been a perceived surge in demand through online platforms.

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5 A push for Standard life insurance Policies across the Companies, as per the directives from the IRDAI

As per the IRDAI, the Regulatory authority felt it necessary “to introduce a standard, individual term life insurance product, with simple features and standard terms and conditions-to be named Saral Jeevan Bima”. Such a plan has to broadly meet the needs of an average customer thereby making it easier for the customers to make an informed choice. This shall lead to enhancement of the trust between the Insurers and the insured, and reduce mis-selling as well as potential disputes at the time of claim settlement. This is a big step towards increasing the penetration of life insurance especially in lower income group segment customers who cannot devote adequate time and energy to make informed choices with regards to selection of the right product in their disposable income.

Key Challenges Ahead

1. Adopting an Inclusive, Innovative and Swift Distributing/Sales Mechanism:

Due to the continuous lockdown imposed in view of the COVID-19, the face -to- face meetings between the insurance intermediaries and the customers have been majorly disrupted. Even though during this period more and more people have embraced technology to function from home only, a major part of the uninsured rural areas and the urban poor need to be brought under the ambit of insurance coverage. It is in this situation that it becomes imperative for the insurers to increase their reach by adopting advanced and intelligent technology to design innovative distribution mechanism which shall include unconventional sales method that shall cater to the ‘Stay at Home’ scenario.

2. Increase in global mortality protection gap:

For life insurance, the protection gap can be considered as the amount of protection needed to maintain one’s standard of living after a life event (death, disability or retirement) for a certain period of time. In this case, the word “protection” may mean the present value during that period of time. According to a Swiss-re July 2020 paper entitled Closing Asia’s Mortality Protection Gap, it is estimated that the gap for the entire Asia Pacific region is around US$ 83 trillion. In their sample survey report spanning 10 key economies of Asia, it is observed that there is an increase in the global mortality protection gap and this has increased mainly due to the drop in financial assets of the individuals and the growing household debt amidst these markets. According to experts, this gap can be reduced by understanding human behavior while making Insurance purchase decisions. Further by increasing consumer awareness about the importance of Insurance, improving their financial literacy and by providing better digital tools for agents, customers can expect greater transparency.

Calculating the mortility protection gap in present value terms

*includes social security surviors benifit and compensation from employersSource Swiss Re Institute

GAP

MPG Income replacement

Householddebt

TotalSaving

Non-primarypoperty value

Life Insurance

Otherassets*

Protection need Resources availabe

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Life Insurance Industry Performance

The IRDAI Annual Report 2019-20 states that the Total Life Fund of the Life Insurance Industry was 2,619,157 crore as compared to ` 2,347,455 crore as on 2018-19, which shows a growth of 11.57%.

The Total First Year Premium of Life Insurers increased by 7.49%to ` 2,78,277.98 crore in Financial Year 2020-21 as compared to ` 2,58,896.49 crore the previous fiscal, while the number of new policies declined by 2.49%to ` 2.82 crore in the Financial Year 2020-21, from ` 2.89 crore in the Financial Year 2019-20.

The market share of Life Insurance Corporation of India stood at 66.18% in Total First Year Premium and 74.58% in the Number of New Policies as at 31.03.2021.

The Corporation reported a slight increase of around 0.8%in its Group New Business Premium in the Financial Year 2020-21, i.e. over ` 1.28 Lakh crore as compared to over ` 1.27 Lakh Crore in the Financial Year 2019-20.

The statistics pertaining to the Life Insurance Industry sourced from the website of the Life Insurance Council are as under:

(Figures are Provisional & Unaudited)

Sr. No. Data Description 31.12.2019 31.12.2020 Growth Rate (%)

1. Capital Deployed (including Share Premium*, if any) (` crore) 37,455 38,311 2.29

2. No. of Branch Offices 11,295 11,105 -1.68

3. No. of Agents (Individual) 22,60,516 24,18,878 7.01

4. No. of Direct Employees 2,94,763 3,02,824 2.73

5. Total Assets (` crore) (incl. Equity) 39,62,775 44,86,195 13.21

6. Equity (at Market Value) 8,99,214 10,37,048 15.33

7. Infrastructure Investments (` crore) 4,15,049 4,39,807 5.97

8. Renewal Premium (` crore) 2,13,714 2,38,075 11.40

(*Amount by which the amount received by a company for a stock issue exceeds its face value)

In order to meet the challenges on account of the developing situation owing to COVID-19, the Insurance Regulatory and Development Authority of India issued a set of instructions to all the Insurers across the country. These broadly included adoption of a Work from home policy for the staff, intermediaries and agents alike, displaying FAQs for COVID-19 claims on their websites, putting in place a Business Continuity Plan (BCP) which inter alia deals with processes, transactions, reporting and customer services to be handled in a seamless manner to take care of the present situation and last, but not the least, setting up a Crisis Management Committee, comprising of key personnel to monitor the current situation on a real time basis and providing regular inputs to the Risk Management Committee of the insurer. All these steps were taken with an intention to minimize the business disruption and ensure a seamless operation of the business in these trying moments.

i) GLOBAL INSURANCE OUTLOOK:

According to the OECD report on global Insurance Markets, against the backdrop of the COVID-19 pandemic, globally, the Insurance companies experienced a slowdown in gross premiums written in 2020, especially in the life sector. On an average, life insurance premiums declined by 2.2% in 2020. All the indicators were based on preliminary data and early estimates for 2020.

The Capgemini Study report on the Insurance Industry for Today & Tomorrow states that with multiple choices with regard to Insurance Companies being available to the Gen Z as well as Millennials, consumers may shift to one-stop apps to buy and manage all their policies, which will lead to diluted brand loyalty and the need for a greater focus on innovative engagement for customer retention. Therefore, to operate with a variety of new ecosystem players it will become imperative for insurers to develop the right partnerships and to use digital technology for real-time integration with these partners.

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According to the said report, as new entrants appear in the Insurance sector, it is expected that customer retention will continue to be a new challenge for the existing Insurers. Rapid Insurance Ecosystem evolution by way of adoption of digital technologies like the Internet of Things (IOT) (wearables and other sensor-based devices) cognitive computing (advanced predictive analytics, Artificial Intelligence, and machine learning), RPA (Robot Process Automation in Insurance Claims) and Blockchain by the Insurers, shall define their success in the near future. This, coupled with Innovation in the products being offered to the customers shall aid the Insurance Companies in being resilient in changing times.

References

Insurance Regulatory and Development Authority of India, Life Insurance Council, Reserve Bank of India, Key Economic Indicators by Department of Economic Affairs, Ministry of Statistics and Programme Implementation/Central Statistical Office, National Stock Exchange, Securities and Exchange Board of India, International Monetary Fund, Bombay Stock Exchange, Economic survey 2020-2021, IRDAI Annual Report 2019-20., Union Budget 2021-22, World Economic Outlook, Global Insurance Outlook 2021, IBEF- India Brand Equity Foundation, Swiss Re., Swiss-re July 2020 paper titled Closing Asia’s Mortality Protection Gap, PWC.in (Future of India, the Winning Leap), Digital transformation opportunities for insurers post COVID-19 by E&Y, World Insurance Report by Capgemini, Economic Impact of covid-19 on India.

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.

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

Pradhan Mantri Jeevan Jyoti Bima Yojana

The Central Government launched landmark insurance scheme, namely, Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) as a part of financial inclusion on the 9th of May 2015. The purpose of these schemes is to provide insurance protection to account holders of the Banks at a very reasonable cost. PMJJBY provides Life Insurance Coverage of 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 a premium of ` 330/- per annum. 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 an auto debit mandate given by account holder.

Since the launch of scheme we have enrolled 1,42,29,371 members and paid claims under 1,17,851 cases amounting to ` 2,357.02 crore as on 31.03.2021.

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 2020-21, 186.44 lakh individuals

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were insured for the first time for the total Sum Assured of ` 4,90,404.08 crore as against the previous year’s figures of 185.53 lakh Policies for Sum Assured of ` 5,15,975.10 crore. The ratio of First Insurance to total Business completed for the year comes to 88.89% & 83.67 % 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 ` 91,961.61 crore under 45,00,369 Policies representing 21.45 % and 15.69 % share of Policies and Sum Assured respectively completed during the Financial Year 2020-21. 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, 2021, Annuity Certain Policies numbering 363 were in force for an amount of annuity per annum of ` 106.00 lakh. There were 6,954 Capital Redemption policies in force for a sum assured of ` 16,490.28 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 31.03.2021, 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, 1,546 Satellite Offices (SOs) and 1,173 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 2018-19, 2019-20 and 2020-21 are given in Table No. 5.

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9. MARKETING ACTIVITIES

1. During the year 2020-21, the Corporation under Individual New Business, has procured 2,09,75,439 Policies with a First Year Premium Income of ` 56,406.51 Crore. The achievement to budget in NOP was 95.34% and in FYPI 109.95 %. ` 18,640.21 crore premium earned under 2,28,153 policies of Pradhan Mantri Vaya Vandana Yojana. In Agency recruitment, the Corporation registered a net addition of 1,44,982 agents.

STATEMENT OF INDIVIDUAL NEW BUSINESS PROCURED DURING 2020-21 CHANNEL WISE

BUSINESS NUMBER OF POLICIES (IN LAKH)

FIRST YEAR PREMIUM INCOME (` IN CRORE)

CONVENTIONAL(TIED) 165.57 45,115.49

BANKING & ALTERNATE CHANNELS 2.47 1,900.76

CHIEF LIFE INSURANCE ADVISOR (CLIA) 30.91 7,794.48

DIRECT MARKETING 0.88 1,242.86

MICRO INSURANCE 9.92 352.92

TOTAL 209.75 56,406.51

A) BANCASSURANCE & ALTERNATE CHANNELS

In the financial year 2020-21, the B&AC channel has garnered First Year’s Premium Income (FYPI) of ` 1,900.76 crore under 2,46,910 policies showing positive growth of 23.43% in premium and 0.58% in policy. Share of the channel in Corporation’s performance (Individual Insurance) also increased and stood at 3.38% in premium and 1.18% in policy.

Currently the channel has tie-up with 8 PSU Banks, 6 Private Banks, 13 Regional Rural Banks, 41 Cooperative Banks and 1 Foreign Bank under Corporate Agency agreement with 57,919 outlets of these Banks all over the country. In addition to Banks, the channel has tie-up with 69 other Corporate Agents, 79 Brokers and 145 Insurance Marketing Firms (IMF). During the year 4 Banks, 6 Corporate Agents and 24 Insurance Marketing Firms were added to the channel.

Bank partners have contributed 92.37% in FYPI and 85.93% in policy by procuring ` 1,755.76 crore FYPI under 2,12,182 policies in B&AC channel. Other Corporate Agents have contributed ` 65.01 crore FYPI under 24,865 policies with percentage share of 3.42% and 10.07% respectively. Brokers share is ` 37.14 crore FYPI under 1,554 policies with share contribution of 1.96% in FYPI and 0.63% policy. The contribution of IMF stood at ` 42.85 crore in FYPI and 8,309 in NOP with share contribution of 2.25% and 3.37% in FYPI and policy respectively. IDBI Bank stood at top with contribution of ` 863.42 crore in total first premium income under 82,521 polices.

357 Bank branches procured 1 crore and above TFPI while 423 Bank branches procured between 50 lacs to 99 lacs during the year.

B) DIRECT MARKETING

Direct Marketing Channel, established in August 2009 with 6 Units, has 119 Units spread across all Divisions of the Corporation.

The initiative was aimed at creating new systems for Business Generation, Sales Process monitoring and Digital Marketing with a view to reach out to untapped Markets and providing new buying experience to the Customers, especially to young, tech-savvy Millennial and High Net worth Individuals.

In the Financial Year 2020-21, the Channel has procured First Year Premium Income (FYPI) for ` 1,242.86 crore only with completion of 97,788 Policies (Including online PMVVY Policies).

Our Distance Marketing Centre of the Channel at Vile Parle, Mumbai, processes Immediate Annuity Proposals from NPS Beneficiaries – sourced from Contributions from NPS Fund and other Online Products . Our Online Vertical of the Channel has procured a First Premium Income (FPI) for ` 588.20 Crore only with completion of 26,118 Policies.

Currently 9 products viz., LIC’s Tech Term (Online Term Plan), LIC’s Cancer Cover (Protection against huge cost involved in treatment of Cancer), LIC’s Jeevan Shanti (Deferred Annuity Plan), Jeevan Akshay-VII (Immediate Annuity Plan), Nivesh Plus (Unit

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Linked Single Premium Plan), LIC’s SIIP (Unit linked Non-Single Premium Plan), Bima Jyoti Plan, Bachat Plus Plan, Pradhan Mantri Vaya Vandana Yojana (PMVVY) Plan (Pension Scheme for Senior Citizens), are now available over Online platform.

The Chief Organizers (LIC Direct) Scheme 2015 was introduced w.e.f. 01.04.2015 to allow appropriate career-progression window for existing Direct Sales Executives to migrate into new scheme to take forward the objectives of the Channel at Unit-level. The Chief Organisers have been authorized to recruit Direct Sales Advisors and City Career Direct Sales Advisors to solicit New Business by themselves and through their supervised intermediaries. On completion of migration process, Direct Sales Executive Scheme 2010 has been closed with effect from 01.04.2019. As on 31.03.2021, we have 1,035 Chief Organisers, 5,714 Direct Sales Advisors and 380 City Career Direct Sales Advisors - attached to Direct Marketing Units.

These Resources have contributed First Premium Income for ₹ 597.64 Crore only with completion of 65,333 Policies in Unit Offices. We treat this business as Offline Business of the Channel.

C) HEALTH INSURANCE

During the year 2020-21, Health Insurance Division garnered a First Premium Income of ` 90.27 crore procuring 3,23,777 Policies. The total First Year Premium Income collected for this Financial Year is ` 102.75 crore.

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.

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 2020-21, 11,264 Health Claims were adjudicated for an amount of ` 50.94 crore. 2,340 maturity claim payments were made for an amount of ` 24.98 crore.

D) MICRO INSURANCE

Micro Insurance Business vertical completed 9,92,200 policies with ` 341.52 crore First Premium Income in F.Y. 2020-21. Total number of policies sold by the vertical since inception is 2.22 crore, thus providing 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. 2020-21 was 4.73%.

Micro Insurance policies are sold through specialized distribution channels comprising of Non-Government Organizations (NGO), Self Help Groups (SHG), Micro Finance Institutions (MFI), Corporate Agents, select Conventional Agents, Brokers, District Cooperative Banks (DCB), Regional Rural Banks (RRB), Urban Cooperative Banks (UCB), Primary Agricultural Cooperative Societies (PACS), Other Cooperative Societies (CS), Banking Correspondents (BC) and Farmer Producer Companies (FPCs). There are 21547 MI Agents on roll as on 31.03.2021.

MI Policies are also sold through the Point of Sales Persons - Life Insurance (POSPs-LI) engaged by Insurance Intermediaries like Brokers, Corporate Agents, etc., and Rural Authorised Persons (RAP) & Village Level Entrepreneurs-Insurance (VLE-Ins) engaged by CSC e-Governance Services India Limited. The Channel has entered into tie-up with Mahindra Insurance Brokers Ltd (MIBL), CSC e-Governance Services India Limited (CSC), Vakrangee Limited and Coverfox Insurance Broking Private Limited in this regard. The POSP-LI/RAP/VLE-Ins of Intermediaries are distributing MI Products through the online completion process. This new initiative of LIC is aimed at extending its digital reach to the financially weaker sections of the society and ensuring their Financial Inclusion. This has enabled the Channel to use the large network of POSPs available at All India level under various Brokers and Corporate Agents as also the Common Public Service Centres (CPSC). The business procured through the online completion process by the Intermediaries for the F.Y. 2020-21 was 39,075 policies fetching an FPI of ` 1.25 crore The total number of POSP-LI/RAP/VLE-Ins mapped as on 31.03.2021 is 2,03,075.

The products which were available for sale through this vertical during the Financial Year include the Term Assurance Plans, LIC’s Bhagya Lakshmi and LIC’s New Jeevan Mangal and the Endowment Plan, LIC’s Micro Bachat.

Completion of LIC’s Micro Bachat policies has been decentralized to Branch level with effect from 05.10.2019. During the Financial Year 2020-21, 68,230. Micro Bachat policies were completed at Branch level fetching an FPI of ` 18.69 crore.

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In the F.Y. 2020-21, 575 villages were declared “Micro Insurance Bima Gram” under “Micro Insurance Bima Gram/Community” Scheme. The scheme envisages providing a financial incentive to a village for development activities on completion of a certain minimum number of new policies from that area, during any Financial Year.

MI policyholders can deposit their renewal premium at the designated Premium Points and CSC outlets. As at 31.03.2021, there are 4,395 Premium Points which cover all Branch centres of the Corporation. During the year 2020-21, Renewal Premium of ` 39.00 crore was collected through these Premium Points and also CSC portal which is 58.18% of the total Renewal Premium transactions of MI Channel.

E) 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 5 individual products viz. LIC’s Jeevan Akshay-VII, LIC’s New Jeevan Shanti, LIC’s Bima Jyoti, LIC’s Bachat Plus and Pradhan Mantri Vaya Vandana Yojana (Government sponsored pension scheme).

In addition, the Corporation also introduced modified versions of 2 Individual Health products viz. LIC’s Cancer Cover, LIC’s New Jeevan Arogya and 1 Health Rider viz. LIC’s Critical Illness Rider in order to make them compliant with the Guidelines on Standardization in Health Insurance, issued by IRDAI, in the financial year 2020-21.

As at the end of the financial year 2020-21, the Corporation had 30 Individual products, 15 Group Products and 7 riders available for sale.

F) SENIOR BUSINESS ASSOCIATES (SBA)

The SBA Scheme was introduced in the year 2009 to recognize high performing Development Officers and to empower them with certain financial and non-financial functions. The SBAs are empowered to collect renewal premium and proposal deposit through “LIFE PLUS” office run by them. They can also do completions of new proposals through E2E module and provide basic servicing functions.

The number of SBAs as at 31st March, 2021 is 4,279 with 3,32,096 agents.

Data of New Business procured through SBAs during 2020-2021

Number of Policies First Year Premium Income ( ` in Crore)

Absolute 57,47,856 16,032.03

Share to Total Business 27.40% 28.48%

Average Productivity 1,343 3.75

SBAs have collected 17,846.67 crore through 3.03 crore transactions in their Life Plus offices during FY 2020-2021. 2,964 SBAs have used E2E facility and completed 2,58,611 Policies during FY 2020-2021. 6,758 Agents under SBAs have qualified as MDRT in Membership Year 2021 as against 4,479 in membership year 2020.

LIC Associates Scheme (LICA)

The LICA scheme was introduced from 01.04.2016 with an objective to introduce an innovative distribution channel and strengthening the distribution system by gainfully redeploying the valuable marketing talent of retired Senior Business Associates. The Scheme has been extended to Development officers who are non SBAs. LICAs are empowered to appoint new agents and monitor the existing agents and procure new business from these agents besides collect renewal premium and proposal deposit through “BIMA CONNECT”offices run by them.

The number of LICAs as at 31 st March, 2021 is 322 with 24,474 agents.

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Data of New Business procured through LICAs during 2020-2021

Number of Policies First Year Premium Income ( ` in Crore)

Absolute 3,82,942 1,069.84

Share to Total Business 1.83% 1.90%

Average Productivity 1,189 3.32

LICAs have collected ` 1,366.67 crore through 24.17 lac transactions in their Bima Connect offices during FY 2020-2021

Life Point Scheme for Development Officers

Life Point Scheme for Development Officers has been introduced with effect from 01.07.2020 and 1,471 Development Officers are authorised to collect premium in their “LIFE POINT” office as on 31.03.2021. They have collected an amount of 416.70 crore through 7.59 lacs transactions during FY 2020-2021

2. AGENTS

a) Agency strength:

The total number of Agents on our Roll is 13,53,808 as at 31.03.2021 as against 12,08,826 as on 31.03.2020. The number of Active Agents is 10,86,000 as at 31.03.2021 as compared to 10,80,809 as on 31.03.2020

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

2020-21 2019-20 2018-19

Corporate 331 287 243

Galaxy 1,484 1,124 953

Chairman 42,444 40,932 40,245

Zonal Manager 33,362 32,363 31,854

Divisional Manager 53,688 54,358 53,524

Branch Manager 40,377 42,524 42,565

Distinguished Agents Club 16,678 16,335 18,117

Total 1,88,364 1,87,923 1,87,501

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 31st March 2021 there are 2,424 Urban Career Agents and 48,392 Rural Career Agents.

City Career Agents Scheme was introduced in 2010 to provide all Development Officers an opportunity to recruit stipendiary Agents. As on 31 st March 2021 there are 16,867 City Career Agents

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CHIEF LIFE INSURANCE ADVISOR SCHEME, 2008 :

LIC introduced the CLIA Scheme on 12.04.2008 with the objective of increasing its market presence by utilizing capabilities of existing high performing agents for organisational growth.

In the thirteenth year of the Scheme 2020-21, First Year Premium of ` 7,794.48 crore (17.57% growth) on 30,90,673 Policies (-0.19% growth) was collected through 2,28,121 Agents on roll, supervised by 23,585 Active Chief Life Insurance Advisors. The share of the channel in Policies is 14.73% as against 14.14% in the previous year and in FYPI the share is 13.85% as against 12.95% 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 2020-21 there are 1,638 Silver Brigade members, 1,304 Gold Brigade members, 1,206 Diamond Brigade members and 356 Platinum Brigade members, total Brigade members being 4,504. Two new types of CLIA Brigades, Super Platinum Brigade and Star Platinum Brigade were introduced from Membership year 2021-22 to encourage high performers to still perform better.

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 31.03.2021, number of such “Premium Points” across the country is 37,165. An amount of ` 67,451.96 crore. towards Renewal Premium was collected by these empowered agents who have issued ` 11.91 Crore Renewal Premium Receipts to the LIC customers. Premium collected through Premium Points stands at 31.50% of the Total Collections.

10 OVERSEAS OPERATION

a) Foreign Branches :

The Corporation directly operates through its branch offices in Fiji (Suva and Lautoka), Mauritius (Port Louis) and United Kingdom (Watford). During the year 2020-21, the foreign branches put together issued 9,640 policies with First Premium Income of ` 106.82 Crore.

b) Foreign Joint Venture Companies :

Life Insurance Corporation (International) B.S.C. (c), Bahrain:

Life Insurance Corporation (International) B.S.C. (c) was established in Bahrain as a Joint Venture company. 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. The company sold 5,611 policies during financial year ending on 31.12.2020 with First Premium Income of ` 755.99 Crore.

Life Insurance Corporation (Nepal) Ltd:

Life Insurance Corporation (Nepal) Ltd. is a joint venture company between LIC of India and Vishal Group along with public holding of Nepal and was established on 1st Sep 2001. It is a listed company whose shares are traded on the Nepal Stock Exchange. The company sold 1,50,629 policies during financial year ending on 15.07.2020 with First Premium Income of ` 234.59 Crore.

Life Insurance Corporation (Lanka) Ltd.:

Life Insurance Corporation (Lanka) Ltd is a joint venture company between LIC of India and Bartleet Transcapital Ltd. and was established on 7th Oct 2002. The company sold 5,826 policies during financial year ending on 31.12.2020 with First Premium Income of ` 13.50 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. The company sold 6,404 policies during financial year ending on 31.12.2020 with First Premium Income of ` 318.03 Crore.

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Saudi Indian Company for Co-operative Insurance:

Saudi Indian Company for Co-operative Insurance (SICCI) (Wafa Insurance) is a Saudi Joint Stock Company established on 7th August, 2007. LIC of India and Life Insurance Corporation (International) B.S.C.(c), Bahrain currently hold 4.98% share each in the Company and the balance is held by New India Assurance Company, others and public from Kingdom of Saudi Arabia. The Company is considering financial re-organisation as per the local laws.

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. The company sold 2,101 policies during financial year ending on 31.12.2020 with First Premium Income of ` 3.79 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. The company sold 52 policies during financial year ending on 31.12.2020 with First Premium Income of ` 16.13 Crore.

11. 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 222.76 lakh claims for ` 1,61,031.20 Crore (Including Micro Insurance and Pension & Group Schemes). The figures in respect of settlement of claims for the last three years are given below.

Year

Maturity Claims Settled Death Claims Settled

No. (in Lakhs) Amount (Crore) Percentage paid

(in number)No.

(in Lakhs)Amount (Crore)

Percentage paid(in number)

2018-19 249.62 145636.06 92.95 9.92 17468.43 98.27

2019-20 206.66 142350.76 87.66 9.32 17419.57 95.44

2020-21 222.76 161031.20 89.83 11.47 24195.01 98.27

Timely settlement of claims and Online submission of claim requirements shall be our focus in coming years.

Claims payments through NEFT

During 2020-21, LIC has settled 2.23 crore policy payments by NEFT (National Electronic Fund Transfer) for an amount of ` 1,36,796.37 Crore which is 100% of the total payment.

Annuity Payments

Annuity policies serve the purpose of secured and guaranteed returns in old age. We have over 21.61 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 - direct to the Bank account of the annuitants.

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

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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.

Insurance Ombudsman

If claim repudiation is upheld by Claims Review Committee, claimant can approach the Office of Insurance Ombudsman for redressal of the grievance.

Call Center Services:

LIC’s Centralized Call Center became operational from 29th September, 2018. It uses a single number 022-68276827 which is operational 24x7 in Hindi and English. A total of 52 lakh calls were received in 2020-21. Of these, 61% calls were completed through IVRS and 39% were received by Call Center Agents. Customer Satisfaction Ratings on a scale of 1 – 5 is at 4.51 as on 31st March, 2021. Only 5.8% of Calls attended by Call Center Executives were escalated to LIC Helpdesk for further resolution, the remaining 94.2% of the calls were closed at Call Center. Eight Regional Languages (Marathi, Bengali, Tamil, Malayalam, Kannada, Oriya, Telugu and Gujarati) were added at Call Centre Services during this FY 2020-21.

Customer Zones:

Total 74 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’. In some locations, these CZEEs function in shifts to ensure convenience of touch point services to customers during their off peak work hours.

LICHELP:

This initiative of LICHELP has gained popularity in recent times. The policyholders need to send an SMS by keying “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. For F.Y. 2020-21, a total of 2,44,085 SMS were received, and queries were attended to promptly.

Communication to Customers:

CO-CRM/PS Dept has sent more than 160 types of SMSs to policy holders on various servicing and payment aspects during the year 2020-21. Apart from policyholders, SMSes are sent to Agents and Marketing Officials to enable alerts for communication with their customer base. In addition, New Year, LIC Day greetings, Vaccination awareness SMS were sent in English and Hindi to policyholders in the financial year 2020-21. SMS related to Service Request Module implemented at Branch level for providing change of address and nomination service to our customers, are also being sent. Approximately 145 Crore SMS were sent during the financial year 2020-21 to our valued customers.

Policy enquiry, SV/Revival/Loan Quotations, issue of premium paid certificate, validation of online requests for change in address and PAN validation for online customers, walk-in, mail-in and phone-in customers and customers whose specific detailed queries are raised as tickets and escalated by the Call center executives attending to LIC HELP SMS (call out to customers on receipt of SMS from them in LIC HELP SMS No.-9222492224). Apart from this anywhere submission of claim documents, customer zone admin portal for online services has been launched in this financial year in CZee’s. The CZee admin portal for online services comprises of policy transaction enquiries and other service request enquiries done in last three years, policy and NACH search options and online payment and loan eligibility information options.

The licindia.in website has a facility under ‘Help Us To Serve You Better’ which allows customers to update their contact details in policy records by keying in mobile number, email address. The updation of these requests is facilitated by the official at the CZEE which is mapped to the servicing branch of the customer and ensures a seamless updation within 24 hours.

Alternate Channels of Premium Payment:

LIC has a facility of premium payment through various alternate channels to enable the customer to pay the premium anytime and anywhere. The Alternate Channels include – (a) standing instructions to bank, (b) Credit/Debit Cards, (c) Net Banking facility, (d) IMPS, Wallets, Pre-Paid cards, and (e) payment in cash or by cheque, by walk in customers at the authorized collection centres.

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Premiums can be paid through various Alternate Channels for in-force policies which are not under Salary Savings Scheme (SSS). For the year 2020-21, 72.35 % transactions and 64.19 % premium amount of the total renewal premium received by the Corporation was collected through Alternate Channels.

The available alternate channels for collection of premium are as under:

A. Electronic Payment Channels:

1. 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 the Customers’ Bank. LIC of India has migrated all the existing policies registered under ECS mode of premium deductions to NACH mode.

2. Electronic Bill Presentation and Payment (EBPP): Premium can be paid through registration on the websites of Corporation Bank, ICICI Bank, Federal Bank and Axis Bank. For other banks, this facility is available through service providers: Bill Desk and Ingenico Group (Tech Process), which cover almost all Banks throughout the country. LIC Mutual Fund investors and LIC Credit Cardholders can also pay premium by submitting mandate form to their respective offices.

Premium collection facility for all in-force policies (excluding ULIP, Health and eTerm Insurance) other than Ordinary Monthly Mode, NACH mode and Salary Savings Scheme is available under EBPP. eReceipts are sent to the registered email-id of customers.

B. Online Payment Channels:

3. Customers’ Portal Payment Gateway: Premium, Policy Loan/Interest and Advance Premium can be paid online on LIC Website (www.licindia.in) through Net Banking Facility, E-Wallets, Debit cards, UPI/BHIM free of charge. Conditions apply for Credit card transactions, though the Convenience fee is being absorbed by the Corporation.

4. Premium Collection through Banks:

• Axis Bank: Premium can be paid at any Bank branch or Extension Counter of Axis Bank, in cash or by cheques, drawn on Axis Bank.

• City Union Bank: Premium can be paid at any bank branch or Extension Counter of City Union Bank in cash or cheques

drawn on City Union Bank.

• IDBI Bank: With effect from 28th February, 2019, Premium can be paid at any Bank branch, or Extension Counter of IDBI Bank, in cash or cheques drawn on any Bank.

• Premium collection for ULIP and Health Insurance Policies is not yet enabled through the cash counters of Banks.

5. Premium collection through Franchisees: The following franchisees are approved to collect renewal premium in cash ONLY:

• APTOnline: A digital gateway for the Government of Andhra Pradesh and Telangana. (Website: www.aponline.gov.in).

• MPOnline: A digital gateway for the Government of Madhya Pradesh. (Website: www.MPonline.gov.in).

• Suvidhaa Infoserve Pvt. Ltd.: This is a collection center pan India for bill collection. Toll Free helpline number: 9223225225.

• 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 3.15 lac CSC centers throughout the country, out of which approximately, 65,000 have been activated for LIC Premium collections. Other collection centers also are gradually being enabled for premium collections. 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.

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No service charges are required to be paid to the collection centre to avail this facility by the policy holders. However, Premium collection for ULIP, Health and eTerm Policies is not yet enabled through this channel.

• Paytm App: With effect from 5thApril, 2019, premium can be paid through Paytm App, either by Wallet, Net banking, Debit Card, Credit Card or through UPI/BHIM. Valid Premium Payment Receipt will be available in Paytm App itself under the Tab ‘My Orders’. Maximum Limit is ` 1,00,000/- per transaction for Credit Card.

• InstaPay: Option under the generic term ‘INSTAPAY Service’ which is available across all banking platforms in India has been integrated from 11th March, 2019 through BillDesk. Premium can be paid only through Net Banking mode. Presently this service is facilitated through 24 scheduled banks. Valid e-receipts are issued by BillDesk immediately after successful

completion of transaction.

• PhonePe: To enhance the facility of digital platforms available to the Policy holders, renewal premium can be paid through PhonePe app with effect from 01.11.2019. Valid receipt will be sent to the email- id given at the time of making the payment.

Receipt will also be available in the App under tab ‘History’. • Google Pay: With effect from 21.01.2020 renewal premium can be paid through Google Pay app by UPI. Valid receipt will be sent to the email id given at the time of making the payment.

• Amazon Pay: With effect from 11.06.2020, renewal premium can be paid through Amazon Pay app. Valid receipt will be sent to the email id given at the time of making the payment.

• Mobikwik: Collection of renewal premium through Mobikwik has also been started with effect from 12.02.2021.

• Premium collection for ULIP, Health and e-Term Policies is not yet enabled through these Apps.

6. Premium collection through Senior Business Associates (SBA): Selected Development Officers called SBA, are authorized to collect the premium, both in Cash and Cheque, online and issue receipt instantly. Premium can be collected for all ordinary in-force policies except e-term. At present, 3,913 SBAs are enabled to collect premium. Their collection Centers are referred to as ‘Life Plus’.

7. Premium collection through Empowered Agents: In tune with the increase in customer expectation for more conveniences in servicing, the Corporation has empowered selected Agents to collect the renewal premium through their collection Centers called as ‘Premium Point’. At present, there are 37,321 Authorized Agents across the country who can collect the premium for all ordinary, in-force policies, except e-Term plan in CASH or CHEQUE and issue a valid receipt instantly.

8. Premium collection through Retired Employees: Selected retired LIC Employees are also authorized to collect the premium online and issue receipt instantly. At present, 367 Retired Employees are authorized across the country to collect premium for all ordinary, in-force policies, except e-Term plan.

9. Premium collection through LICAs (LIC Associates): LICAs (Retired Development Officers) are also authorized to collect premium online and issue receipt instantly at their collection centers called as ‘BIMA Connect’. At present, 121 LICAs are authorized across the country to collect premium for all ordinary, in-force policies, except e-Term plan.

10. Premium collection through Chief Organizers: Chief Organizers are also authorized to collect premium online and issue receipt instantly. At present, 110 Chief Organizers are authorized across the country to collect premium for all ordinary, in-force policies, except e-Term plan.

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11. LIC Mobile Application: Premium can be paid online using LIC Mobile application MyLIC downloadable on iOS and Android platforms

12. Payment of premiums at POS machines: Renewal premium can be paid by policyholders by swiping debit card at POS machines installed at selected Branches and Premium Points of Authorized Agents (Merchants).

13. Online Advance Premium is enabled from July 2018, on the www.licindia.in Customer Portal and through MyLIC App. Policyholder can deposit the premium in advance for the current financial year and for the next financial year for a maximum period of three months in advance of the due date of the premium. Deposit Receipt for Advance Premium will be generated. On the due date, adjustment against advance deposit will be done and e-Receipt will be sent to the email id registered by the policyholder.

Unit Linked Insurance Plans (ULIP)

Unit Linked Insurance plans were available in LIC’s product portfolio for almost two decades and a wide range of plans were introduced during this period. Based on the experience during this period and leveraging the advancements in technology, it was decided to centralize operations pertaining to ULIP policies. This project was completed in the year 2019, after migration of all the policies under LIC’s New Endowment Plus, which was the only plan available for sale on the date of migration. Subsequently all new plans launched were added to the new system making the total number of plans available to four in the new set up. As part of the program, apart from unit fund related operations, payment to policy holders from ULIP policies and accounting thereof were also centralized. A sum of ` 43.65 Crore was settled under various types of payments like, death claim, cooling off, foreclosure and surrender originating from nearly 3,575 transactions during the year through the new system. As at the end of the year 2020-21, total number of policies serviced in the new system is about 1,66,500.

Customer Portal

LIC has a dedicated portal for our customers, which can be accessed through our website. Any customer can register in our portal as a basic service customer or as a premier service customer by following simple registration process. Customers who have registered for basic services can avail the following services

• Payment of Premium/Loan interest/Loan repayment • Payment of Premium in advance • Premium Paid Certificate • Policy Status/Loan Status/Claim Status • Revival Quotation • Online Receipt printing • View Premium Calendar/Policy Schedule • Register request for PAN Registration • Register request for NEFT Registration

Premier Service customers are those who have successfully completed a KYC process after registration. Such customers are entitled to avail the following additional services apart from those mentioned above

• View Policy and Proposal Images • View Claim History • Register request for Online Loan • Register request for Online Change of Address • Online Switching • Online Change of Mode Facility for premium payment is open to all our customers without any need for registration. LIC has separate mobile applications for platforms like android and iOS using which all services mentioned above can be availed. LIC has

1.71 Crore registered customers on the portal and 45 lakhs mobile application users.

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Anywhere Services provided to the policyholders: LIC also offers a range of Services to its Customers at any Branch office of the country. Any customer can avail the following services by

visiting any of our Branch Offices • Premium payment • Loan interest payment • Revival of lapsed policies (Spot Revival) • Change of Address • Updation of Contact details • Nomination/Change of Nomination • NEFT Capture • PAN Capture • Providing Premium Paid Certificate • Submission of Life Certificate • Providing Loan quotation • Providing Surrender quotation • Providing Forms for various services • Providing information about requirements for various alterations, Claim information and payments • Revival within DO (including FMRs) at SOs using LICDocQ App • Receipt of Claim Papers at any Office and upload using LICdocQ App.

Enterprise Document Management System (EDMS) LICs EDMS project began in 2007 with the intention of providing a strong image repository of all policy dockets as well as Administrative

and Agency documents, which facilitates viewing of images from anywhere with simultaneous access to more than one authorized user at different locations. The Premier Services users for LICs Customer Portal can view the EDMS images of his / her policies through their customer portal login.

As on 31.03.2021, approximately 55.6 crore policy dockets and 30.9 crore Incremental documents have been scanned. In the year 2020-21, despite lockdown restrictions, around 2.23 crore policy dockets and 2.03 crore incremental documents were scanned all India.

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 is operationalised to reduce manual interventions and minimize grievances.

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 http://www.licindia.in, where a registered policyholder can directly register complaint and track its status. Customers can also contact at e-mail id [email protected] for redressal of any grievances.

Complaints are received from the following sources â CMS (Integrated Complaint Management System) integrated with IRDAI’s IGMS. â CPGRAMS (Centralized Public Grievance Redress And Monitoring System) from Government of India. â MOF (Physical Complaints from Ministry of Finance) received through EDAK and emails. â NCH (National Consumer Helpline) INGRAM- an initiative by Ministry of Consumer Affairs-LIC joined from 04.10.2017. â Physical Complaints addressed to our Chairman through EDAK- Priority Complaints. â By Dak, Telephone, Fax etc.

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Portal wise Statistics of Grievances for the F.Y. 2020-21 is as below

Total Grievances Registered

Total Resolved Pending Resolved within 15 days

% Of Resolved within 15 days

ICMS 1,11,382 1,11,382 0 1,09,015 97.87%

CPGRAMS 6,991 6,991 0 6471 92.56%

NCH 791 791 0 760 96.08%

MOF 187 187 0 178 95.19%

TOTAL 1,19,351 1,19,351 0 1,16,424 97.55%

12. CORPORATE COMMUNICATION

In the year 2020-21, the strategy of Corporate Communications was on strengthening “Brand LIC” making it more contemporary and appealing to all segments of the society, particularly with Millennial. Conscious steps were taken to connect with Millennial. The year was very challenging due to Covid-19 Pandemic & subsequent lockdown throughout the country. Due to the restrictions, publicity through various ground events, field activities could not be done to its fullest. However, our brand and our products & services were advertised with great vigour across all mediums be it Television, Print, Radio, Digital Media.

We are consistently present in around 731 editions of 703 newspapers along with 24 magazines and we ran 88 print ad campaigns under various categories in newspapers. Important leadership summits in electronic and digital media were sponsored, which gave us wide publicity and our presence was noticeable.

New plan launch events and publicity campaign for 4 new products were carried out along with press releases in major newspapers. Customer education series has been brought in different magazines to popularize various aspects and utilities of life insurance and Agency through advertorials and attractive comics. Also in this year we have successfully carried out modifications of 23 existing products as per IRDAI guideline's on linked and non-linked plans along with riders within the IRDAI defined time frame.

We were active on 173 Radio stations of 16 FM Radio channels and 105 stations of All India Radio through campaigns, sponsorships of popular programs, which gave us extensive publicity and impressive response from the listeners. Insurance Awareness radio jingles along with new corporate radio jingles were done and run on the channels during the campaigns along with existing jingles.

During the year, our brand presence was visible through FCT, spot buys and sponsorships on top rated National and Regional TV Channels in the genre of News, Movies, Music, GEC, Sports and Infotainment and also in Doordarshan through Sponsorship and spot buys. Important sessions including Budget sessions were also covered. We sponsored highly popular programs in radio and television with sizeable viewership and our participation on events attracting huge viewership gave us wide publicity mileage.

Out of home activities were conducted only after lockdown was lifted. Very few ground events were sponsored after taking due care regarding social distancing guidelines issued by the local authorities. Branding activities such as branding of local railway trains & buses, aircraft branding were undertaken.

Our PR activities complemented our publicity efforts. Issue of Press Releases, Press Interviews ensured communication of launch of new products, important events and customer initiatives. Media interviews by senior officials during lockdown were very informative & through which customers were made aware of steps taken by the Corporation for Services like premium payment & claim settlement.

Special Initiatives viz. LIC-Student of the Year was conducted at 1,967 Schools, 258 colleges were covered under the College Campus Activity; Mobile Van Activities for 10,469 days were organized. We also continued with the Nationwide Movement of Swachh Bharat Swasth Bharat campaign wherein cleaning activities in 3,298 parks/streets/offices were undertaken and 1,183 Medical camps were conducted during the year.

LIC won 19 prestigious Awards during the year. The notable Awards we won are • FICCI AWARDS

• Reader’s Digest Trusted Brand 2020

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• 2nd Most Valuable Brand in the BrandZ Top 75 Most Valuable Indian Brands 2020 • National Awards- Life insurance company of the year • National Awards- Customer Service Excellence Awards • National Awards- Award for Marketing Excellence in Insurance., 5 ABCI AWARDS • YOGAKSHEMA-Wall Paper • YOGAKSHEMA–Photofeature • Wall Calendar • Online Campaign • Corporate Website • Golden Peacock Award for corporate excellence • CMO ASIA – Most Admired Company of the Year • CMO ASIA – Technology Initiative of the Year • CMO ASIA –Claims Service Leader • CMO ASIA –Micro Insurance Leader • IPRCCA- Best Campaign • Certificate of Appreciation by Governor of Maharashtra for excellent contribution by LIC during lockdown arising out of Covid 19 • SKOCH Award -Excellence in BFSI Claim Settlements. Among the World 100 Top Brands Report 2020 by Brand Finance, LIC has ranked 10th in Strongest Brands in Insurance & 13th in Valuable Brands in Insurance in the World.

LIC’s Digital Media activities were further augmented during the year 2020-21 through Sponsorships & Media Buy activities involving static (.jpg), dynamic (.gif) as well as Video advertisements on digital & social media platforms. Various digital display campaigns were undertaken in leading publications on their desktop & mobile websites as well as mobile applications which included The Indian Express, The Financial Express, Times of India, The Economic Times, Hindustan Times, Business Standard, CNBC, Money Control, Dainik Bhaskar, Dainik Jagran, India Today, News 18, Mint, The Hindu, Business Line, Dailyhunt, Outlook Money, Asianet news, NDTV, ABP, One India, TV9, Bloomberg Quint, Times Now, etc. An exhaustive media campaign was undertaken on Google Display Network, Google Search, YouTube, Facebook, Instagram & Quora to connect with the millennial. To establish connect with the youth segment, media buy campaigns were undertaken on popular shows like Kaun Banega Crorepati with its play along; reality show “Indian Idol with Voting Partnership” on SonyLIV as well as various shows on Zee5 OTT platform. Media Buy activities were undertaken under sporting events like IPL 2020 & India vs England Series 2021 on Hotstar. Sponsorship as well as Media Buy campaigns were run on almost all leading publication platforms in regard to Budget 2021. Captcha engagement as well as media buy campaigns were undertaken on IRCTC’s desktop, mobile website & mobile application to increase recall and engagement with brand LIC.

For promoting Customer Awareness, various initiatives are undertaken from time to time. An animated video film on “Customer education on ULIP products” was released in Hindi & English and posted on LIC’s YouTube channel. Posts & press releases pertaining to various customer initiatives, Special revival campaigns, any branch claim settlement, cautioning customers against fictitious claims as well as marketing activities, etc were released & posted on social media & digital platforms. Creatives on Covid 19 related precautionary measures to be taken as well as the urgent need for vaccination were also posted.

13. RIGHT TO INFORMATION ACT, 2005-RTI

Total number of CPIOs: 130

Total number of Appellate Authorities: 130

Details of CPIOs & Appellate Authorities all over India are available in RTI Centre on www.licindia.in – Bottom Links: RTI Centre : RTI Page: Sr No. XIII.

RTI disclosures: LIC is compliant with section 4(1) of the RTI Act, 2005

RTI On-line Module:

All RTI applications and Appeals received by offices of LIC of India are processed through RTI Online Portal maintained by the Government of India.

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RTI Statistics since inception

Year Applications Appeals CIC Show cause Penalty cases Compensation cases

2005-06 187 1 NIL NIL NIL NIL

2006-07 1,311 9 2 NIL NIL NIL

2007-08 2,616 394 96 27 NIL 4

2008-09 4,555 982 174 13 1 2

2009-10 6,897 1,473 108 13 1 3

2010-11 9,553 1,919 384 20 NIL 5

2011-12 12,350 2,242 160 14 1 3

2012-13 13,536 2,425 619 13 2 6

2013-14 14,665 2,474 283 5 3 3

2014-15 15,047 2,281 303 NIL NIL NIL

2015-16 16,424 2,784 462 NIL NIL NIL

2016-17 14,358 2,479 356 2 NIL NIL

2017-18 12,937 2,242 292 NIL NIL NIL

2018-19 12,653 2,184 347 NIL NIL NIL

2019-20 16,605 1,987 318 NIL NIL NIL

2020-21 11,911 1,849 262 NIL NIL NIL

The Corporation has successfully maintained its position of “NIL PENALTY” and “NIL COMPENSATION’ since 2014-15.

14. PERSONNEL & EMPLOYEERELATIONS a) Staff Strength

The number of employees of the Corporation as on 31.03.2021 is 1,08,987 as against 1,14,498 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 facing 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 31.03.2021 is as under:

Category Total Number Female employees

Class-I Oficers 31,761 7,270

Development Oficers 22,581 1,347

Class III/IV employees 54,645 16,575

Total 1,08,987 25,192

In the Corporation, Committees for prevention of sexual harassment at workplace are functioning effectively at Central Office, Zonal Office and Divisional Office level.

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d) Reservation- National Policy Implementation.

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/EWS employees at Central Office level. Zonal Liaison Officers for SC/ST/PWD/XSM and OBC/EWS 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 levels in presence of all Liaison Officers for SC/ST/XSM/PWD and various issues related to SC/ST employees are being discussed during the said meetings. Periodical meeting with All India office bearers of Welfare Association of OBCs are also held at Central Office.

Training on reservation policies are provided to impart up-to- date knowledge/latest instructions about the reservation related areas to the official dealing with reservation matters, Liaison officers as well as to the office bearers of SC /ST /OBC Welfare Associations. Pre-recruitment training programmes are being conducted at various levels for desirous SC/ST/OBC candidates and pre-promotional training for SC/ST employees.

Persons with Disabilities:-

In accordance with the instructions issued by Government of India and with the view to help and support rehabilitation of Persons with Disabilities, the Corporation has identified jobs for recruitment of differently abled (Physically challenged) which include orthopedically, hearing and visually handicapped. In case of Direct recruitment, 4 % (four percent) of the total number of vacancies to be filled up by Direct Recruitment in the Class I, III and IV shall be reserved for persons with Benchmark Disabilities. Reservation in promotion is provided to the cadres of Record Clerk and Higher Grade Assistants.

Board approved, Equal Opportunity Policy of LIC, prepared as per the provisions of the Rights of Persons with Disabilities Rules, 2017 and displayed on internet & intranet site of LIC.

Ex-Servicemen:-

The Corporation makes provisions for recruitment of Ex-Servicemen as per Government guidelines.

Reservations for Economically Weaker Sections (EWSs):-

Persons who are not covered under the existing scheme of reservations for the Scheduled Castes (SCs), the Scheduled Tribes (STs) and the Socially and educationally Backward Classes (OBCs) and whose family has gross annual income below ` 8.00 lakh are identified as EWSs for the benefit of reservation, will get 10 % reservation in direct recruitment in respect of vacancies notified on or after 01.02.2019

e) Housing loan to Agents (Club Members)

Under the Agents Housing Scheme an amount of ` 22.79 crore was sanctioned as at 31.03.2021 to Agents of the Corporation. The various staff housing schemes of the Corporation has been transferred to LIC-HFL.

f) Office Services :

Continuing with the Swachch Bharat Initiative of the Government of India and to encourage cleanliness and good ambience in Branches and Divisions , Model Branch and Model Division Competition has been continued for the year 2021-22. Cleanliness and hygiene in offices is also being monitored and improved through the Ambience Poll which is being held every quarter.

In the last two years, special emphasis has been given for toilet renovation and repair across all offices of the Corporation. In the current year, we have given specific instructions to all offices for construction / renovation of ladies toilets.

All offices of the Corporation are now procuring goods and services on GeM. To encourage the efforts of the offices, Zones are being ranked every month on the basis of procurement of Divisions under their jurisdiction on GeM .

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Revised Outsourcing Policy and new Procurement Policy has been approved by the Board and has been uploaded on Jeevan Sanchar.

Various steps have been taken to ensure safety against COVID-19. Posters of COVID-19 prevention tips have been uploaded on our social media LIC India Forever on Facebook and LIC India Forever on Twitter and the same posters have been pasted in all prominent places of the offices of the Corporation. Safety protocols like provision of mask, sanitizer, handwash have been made in all offices and guesthouses of the Corporation. All our Security Guards, Housekeeping Staff and Canteen Staff have been provided with all the above facilities. Circulars have been issued from time to time to all offices.

15. HRD/OD AND TRAINING ACTIVITIES: Purpose: To build, nurture and develop a talent pool of Human Resources by providing need-based training to the employees and upgrading the knowledge, skills, and attitude of the workforce.

The Pandemic has posed a challenge for traditional methods of learning while creating an opportunity to strengthen the digital platform for upgrading knowledge and technical skills, and therefore in the Financial Year 2020-21, the focus of the HRD/OD Depertment has been-

1. To provide the best infrastructure for online training.

2. To provide Need Based Training

3. To develop a Self-Learning Module.

4. Equip the officers for contemporary technologies.

• To provide the best infrastructure for online training: Previously, Training Centers were using Video Conference facility only for online training sparingly. Due to the Pandemic, the dependence on Video Conference facilities has increased manifold. Accordingly, all the branches, divisions, and training centers have been provided with the necessary hardware and internet connectivity.

E-Sessions/Online training using WebRTC/MS Team/Google Meet and other platforms were carried out through all our In-House Training Centers (8 ZTCs and MDC) as well as reputed External Training Institutes.

• To provide Need Based Training: All the employees were asked to submit their individual training needs on the following parameters: Functional, Technical, and Leadership. Our Internal Training Centers have been asked to design programs based on the training needs submitted by the employees, and the nominations to these programs have been made accordingly.

• To develop a Self-Learning Module: Vertical and lateral movement of personnel and constant change in the employees' job profile requires continuous up-gradation in the functional skills/knowledge to those new to the subject/department. Due to Pandemic, our training centers are unable to conduct the regular sessions. Hence, LIC has launched a new LMS (Learning Management System) module LIC Gyanpeeth on 19.10.2020, and the salient features of the module are as given below.

LIC Gyanpeeth – Self Learning Management System Module

LIC is a mammoth Trans National organization with approximately 1,17,000 employees. On account of the size and geographical spread as well as keeping with the personnel policies there is continuous vertical and lateral movement in the organisation. All these factors necessitate that there has to be a continuous process of skill formation and upscaling the knowledge base within the organization.

The pandemic situation necessitated and propelled the organization to move towards self learning through digital mode. With this aim, the self-learning/self-skilling, Learning Management System, “LIC Gyanpeeth” was introduced on 19th October, 2020. This has enabled standardized content without dependence on physical infrastructure and facilitators and is available anywhere any time on intranet/internet on Chrome/Firefox web browsers.

Each of the Zonal Training Centres has been given subjects for preparing main/sub modules for covering the entire stream of functional knowledge. Total 12 modules with 112 sub modules have been created on subjects covering all aspects of administration like New Business, Policy Servicing, Claims, Marketing, Finance & Accounts, Personnel, Vigilance Matters, Office Servicing, Pension and Group Schemes as well as राजभाषा.

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The employees are required to study the course material within given time frame followed by self examination from question bank of a total of 4,533 MCQs. A high standard of scoring 70% marks has been set. Successful clearance of the test is followed by auto generated certificate issued for the particular sub module. Successful clearance of all sub modules leads to achieving certificate having qualified the total main module.

It is expected that the LIC Gyanpeeth will prove to be the precursor block for future learning and skill development programs and will cater to the future needs of the organization.

Particulars As on 31.03.2021

Number of Employees who have cleared all the Modules 666

Number of Employees who have visited the Module 37,190

No. of Main Modules Certificates issued 24,967

No. of Sub Modules Certificates Issued 2,14,491

Total Number of Certificates issued 2,39,458

• Equip the officers for the contemporary technologies: LIC’s internal training centres are conducting various training in Leadership and Technical Aspects. In order to provide advance training and equip the officers for contemporary technologies LIC has nominated their officers to various reputed External Training Institutes viz. IIM Bangalore, Institute of Actuaries, National Institute of Bank Management , Institute of Cost Accountants etc. for training in the field of IT, Data security, Investment, Actuarial, Board Governance and Leadership etc..

Details of training activities during the year 2020-21 are as under:

External Training

External Training Institute (Open Program) 394

External Training Institute (Customized – Central Office) 48

External Training Institute(Customized – Zones) 679

National Insurance Academy, Pune 3,584

In-house Training Centres

Classroom Training at MDC/ZTC (Class I, III & IV) 518

E-Sessions/ Online training through WebRTC by MDC/ZTCs 51,139

Class I trained at Employee Training Centre 4,289

Class III trained at Employee Training Centre 5,261

Class IV trained by Zones 162

Workshop on IRDAI Regulations 8,218

Total

Total Employees Trained 66,074

Attendance to Nomination Ratio 89.04%

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International Organization for Standardization (ISO) Certification

HRD/OD Department, Central Office (all four wings i.e. Training, Library, Sports and Official Language Implementation), Management Development Centre, 08 Zonal Training Centres are ISO Certified.

Awards

• LIC has won “9th Annual Greentech HR Award 2020" in “Training Excellence” category.

• LIC has awarded with letter of Appreciation for “BML Munjal Award - 2020” in “Learning and Development to achieve Business Excellence ” Category.

LIBRARY:

During the Financial Year 2020-21, 77 books (including 12 Hindi Books) have been added to Central Office Library bringing the total number to 70,780.

SPORTS:

Due to COVID-19 pandemic situation all sports activities in the Corporation could not be held.

LIC Chess Team Participated in online “1st Corporate World Chess Championship” held in February, 2021 and secured 3rd position in qualifying round.

16. MANAGEMENT DEVELOPMENT CENTRE (MDC)

COVID Pandemic disrupted the established managerial practices leading to work from home or work from anywhere. Contactless sales and servicing became the new norm.

In this era of stiff competition, rapidly changing technology and rising Customer expectations, only a Learning Organization can thrive. Training of Human Resources gives the Organization competitive edge over competitor in the Market.

MDC, the Apex Training Centre of the Corporation has been tasked with augmenting the competencies of Middle and Senior Level Officers of the Corporation. MDC has the pride to be an IS/ISO 9001:2015 certified training institution. It is a constant endeavour in MDC to provide best training inputs, keeping in mind the Organizational needs, the training needs of the Officers of different Target Groups, the skills required to efficiently discharge their duties, to face market challenges and to meet the Customer expectations.

Due to the pandemic, online training sessions were conducted during the year. This handicap was turned into a rare opportunity to interact with participants in a free and open system where content become the King. A trainee who has no physical contact can only be kept engaged with meaningful content only. Ninety Five Online Training Sessions and Sixty One Individual VCs were conducted. Total 8,423 Officers were trained, as against 6,118 officers during 2019-20 showing a growth of 37.68% in number trained. Advance learning techniques like holding group discussions through WhatsApp, Competency Building for online operations, popularizing Mobile Apps were taken up successfully. Five research reports were published on topics related to Marketing and Servicing.

17. OFFICIAL LANGUAGE IMPLEMENTATION

1) The Corporation has been awarded with a Appreciation letter by the ‘Town official language implementation committee’ for doing excellent work in the field of ‘RAJBHASHA’.

2) 32 offices of the Corporation were honored with various awards by the Government of India, Ministry of Home Affairs and Town Official Language Implementation Committees.

3) Prabodh, Praveen and Pragya courses were made available in the Gyanpeeth module to provide information regarding the basic knowledge of Official Language and working knowledge of Hindi to the personnel of the Corporation.

4) 10,997 personnel has been trained in 409 workshop in all over india.

5) 3.45 crore sms has been sent in hindi to the customers by the Offices situated in A Region.

6) Rajbhasha Department Central Office is sending Weekly motivational short stories.

7) Every day Rajbhasha Department Central Office is sending ‘Hindi word of the day’, synonym, Hindi note of the day, Thoughts etc.

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8) Every month Rajbhasha Department is publishing inspirational ‘article’.

9) Bilingualization of the Corporation's address book, intercom list, hotline list on Jeevan Sanchar has been made available.

18. ENGINEERING ACTIVITIES

During the FY 2020-21 the Corporation has completed 3 nos Branch Offices (Washim, Yamunanagar and CBO IV Mysore), 8 nos Residential units across the Country. Construction works are in progress for DO building at Bhubaneswar, 9 nos BOs and 90 nos Officers Quarters at various locations, Sales Training Centre building at Warangal & Bareilly and Investment Buildings at CP-3 Lucknow, GIFT CITY Gandhinagar & EM Bypass Road Kolkata. Planning initiated for Construction of major Investment Buildings at Ludhiana and Scheme 54 Indore and building for Sales Training Centre at Bhilai. The installed capacity of rooftop Solar PV till 31.03.2020 was 2,184 KWp and added 955 KWp capacity during the FY 2020-21.

IGBC has awarded Gold rating in Green Building Category for our newly constructed Divisional Office Cum Investment building at Jaipur during the FY 2020-21

19. STRATEGIC BUSINESS UNIT – ESTATES

The rental income from the Estate portfolio of the Corporation for the year 2020-21 is ` 361.56 crore which is an increase of 0.65% over the rental income for the last year.

In the F.Y. 2020-21, 2 plots were purchased, of which 1 was purchased by the Southern Zonal Office and 1 by North Central Zonal Office.The total area is 36,177.9 sq. ft. and the total cost involved is ` 11.99 crore. Besides this, the Western Zonal Office has purchased 1 ready built premises with land area admeasuring 2,878.36 sq. mtrs. and total built up area admeasuring 10,189.75 sq. mtrs. . The premises have been purchased for ` 380 crore.

20. INFORMATION TECHNOLOGY

LIC has implemented:

1. Two on-premises private clouds, one for general purpose applications and the other exclusively for ULIP Plans.

2. A dedicated Video Conferencing setup for virtual meetings and conferences for Internal as well as External participants.

3. Networking of all offices through MPLS Links having sufficient band-width through two service providers to ensure network redundancy.

4. Firewall to ensure Internet Perimeter Gateway Network Security for internet facing applications as well as enabling “Work from Home” through secure VPN access as part of Network BCP.

5. Implemented DDoS Solution to withstand volumetric attacks through internet.

6. Security Information & Event Management (SIEM) Solution for management and correlation of Security Logs, triggering of alerts pertaining to Security Events and facilitating the SOC operations.

7. 2FA Fingerprint Biometric Authentication system to ensure secure access controls for the applications.

8. Data warehouse which is used for enterprise decision support and provide inputs for regulatory reports.

9. Online web scanning services for websites exposed over internet.

LIC has taken steps to:

1) Comply with the ‘Guidelines on information and cyber security for insurers’ prescribed by IRDAI. Periodical Trainings are arranged for all employees on Information and Cyber Security Awareness.

2) Identify and plug the gaps vis-à-vis IRDAI’s requirements on a continuous basis and carrying out configuration audit, vulnerability assessment, penetration testing, secure network architecture review, application security and secure code review.

3) Setting up Security Operations Centre ( SOC ).

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Software Development

The modern business landscape is being driven by technology, and it plays an integral role in the Corporation as well. LIC has always been a trailblazer in the field of technology by leveraging systems to support all the activities of the Corporation.

IT SD department has taken an active role in the current COVID situation. The Department is already upgrading and testing the technology infrastructure to give an enterprise-grade experience to remote workers and all this is happening at lightning speed. The Corporation is working to create “Employee Experience,” which is now equally important as customer experience. The current focus has been to make communication and collaboration easily available as part of the new work experience. The Corporation is committed to carrying forward the digital initiatives laid by Government of India and other regulatory bodies.

LIC has already enabled access to policy related information as well as payment of premium anytime anywhere. Premium collection, loan interest payment and loan repayment options have been open through various digital platforms like PayTM (directly), PhonePe and GooglePay (through BillDesk) etc. to provide a seamless experience to customers even in this current lockdown situation. The option to collect renewal premium and proposal deposit has also been in place through premium points whereby the premium and proposal may be deposited following the social distancing norms.

Following are the major initiatives undertaken by the department:

1. Work- From- Home facility: DO/ZO users were able to deploy the application from their home, the BO/DO/ZO users were able to run daily important routine jobs from home. Remote facility has been provided to IT personnel managing the data centers across India. Developers have been provided with Work From Home access to the development center handling data and application smoothly.

2. Upgradation of the core insurance solution was undertaken successfully with consolidation of hardware infrastructure at professionally managed Colocation Data Centers. This would provide following benefits:

• Reduced Capital and Operating Costs

• Minimised or Eliminated Downtime

• Increased IT Productivity, Efficiency, Agility, and Responsiveness

• Faster provisioning of Applications and resources due to scalable architecture

• Data Security using various compression, encryption techniques and regular patching

3. The new setup is equipped with State of the art Central Command Center for centralised monitoring of Hardware and software with the help of Automated Operations management, Infrastructure management, DR automation and Backup tools.

4. Software Refresh project is underway and is expected to be rolled out soon. This project would involve upgradation/replacement of TPS stack and would further enhance the benefits derived from refresh Hardware RFP like Increased IT Productivity, Efficiency, Agility, Data Security, minimised downtime and greater Business Continuity. This project would facilitate use of futuristic technologies for greater customer satisfaction.

5. Launch of digital application “ANANDA” acronym for Atma Nirbhar Agents New Business Digital Application as a tool for onboarding process to get the Life Insurance policy through a paperless module with the help of agent or intermediary.

6. Initiatives towards automation of office work and paperless office by eliminating the requirement of printing.

7. PMVVY sales and Service on-boarding on UMANG Platform of Govt. of India.

8. VPBY Services on-boarded on UMANG Platform of Govt. of India

9. Golden Jubilee Scholarship Program Module in eFEAP

10. LIC docQ-app for effecting revival of policies in Satellite Offices where revival requirements are scanned by Officers in Satellite Office and directly uploaded in EDMS docket. This mobile app also enables LIC official working in any office across India to upload any claim documents in eFEAP so that servicing Branch can make the claim payment. This is one big step in providing “anywhere servicing” as per our Corporate Guidelines.

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11. Launch of EDMS Admin File System in a new form enabling LIC officials to work digitally on Office - Note, where creation, forwardingand approval of office notes are being done digitally in a paperless manner and across various offices of the Corporation.

12. The Customer Portal system of LIC is designed to enhance the digital experience and provide online services to the customers.Informational services like Insurance Product information, Plan brochures, Premium Calculator, Policy Status, Premium Calendar,LIC Office Locator, ULIP Statement, Loan and Claim Status are available on the Portal. Self-service options like Online PremiumPayment, Loan Repayment, Loan Interest Payment, Online Loan Request, Online Address Change, PAN and NEFT registration,ULIP Fund switch, mode alteration, Advance Premium Payment, Grievance Registration, Online Service Request, Online Policypurchase etc. are also available through the Portal and Online Sale platforms.

13. Agents have been provided with an Information rich portal and mobile application to facilitate performance monitoring and customerservice. Agents are also enabled with Sales Automation using Financial Need Analysis, Quote and Illustration and eProposal.

14. LIC e-Policy in Digilocker was also enabled for the customers.

15. Automated Web Performance Monitoring was implemented to ensure High Availability and better user experience.

16. LIC Chatbot “LIC Mitra” has seen increased usage and the Hindi version on Chatbot was also released on 14.09.2020.

17. eLife package has been implemented in 8 overseas Subsidiaries/Branches of LIC of India.

21. INTERNAL AUDIT

The Audit of Branch/Divisional /Zonal offices and Central office Departments of the Corporation for the year 2020-21 has been completedas on 31st March 2021.

Due to the pandemic situation the auditing was mostly done through Offsite (from remote location)

The year 2020-21 saw an intensive follow up of compliances which resulted in substantial reduction in the pending special/reports andexcess/wrong payments which brought about 72% reduction in o/s recoveries and reduction of 36% in open reports.

Keeping with our practice of improving our systems and procedures through the use of Information Technology, the scope of ‘OffsiteAudit’ has been expanded and also supplemented by increased % of surprise audit. Close coordination with IT team is being done forfurther improvements in access to auditors for conducting ‘Offsite audit’ to reduce audit tours/movements.

22. INSPECTION

Inspection is an independent, objective & consulting policy to add value and improve Corporation’s operations. All the offices of theCorporation are to be inspected during the year as stipulated by the LIC Regulations 1959 (Section 47).

The year 2020-2021 was a challenging year for the Corporation. There were severe lockdown restrictions. The offices were not workingon full strength for a large part of the year. For many months physical movements within city, inter district within the same state andinterstate movements were severely restricted or not allowed by authorities. Even when the offices could function they couldfunction with much depleted strength, many times with less than 50% of actual strength. Within all these constraints InspectionDepartment was able to conduct physical onsite inspection of 3,425 accounting units out of total 3,811 accounting units

The focus was on total observance of Corporation’s guidelines on all matters during the year 2020-21. The inspection exercise as apre-emptive measure against system lapses was conducted in the offices of the Corporation and 76.32% of branch offices and 86.81%of Divisional Offices have been rated in the excellent band i.e. (Super Excellent, Excellent and Upgraded Excellent). In addition toyearly inspection, inspection of projects under Golden Jubilee Foundation was also conducted.

Based on the persisting irregularities a set of major irregularity was prepared and its findings were shared with the HODs of theCorporate Office so that systematic improvement for persisting irregularities can be implemented by CO departments to ensure thatsuch irregularities or deviation/violation of policies/guidelines does not occur in future.

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23. NEW BUSINESS & REINSURANCE

Objective

The aim and purpose of New Business & Reinsurance Department is to maintain high standards of risk selection underwriting with due diligence, thereby providing service to stakeholders at all levels while keeping in mind the Regulatory framework and guidelines. Underwriting focuses at maintaining equity by providing fair risk assessment in selection and pooling of risk and charging appropriate premium commensurate with the risk that lives bring to the pool.

Underwriting Policy

Underwriting is the process in which an insurance company determines if an applicant is eligible for insurance and the rate they should charge if the applicant is eligible. In simpler words, it is a process of risk classification. The purpose of insurance underwriting is to spread risk among a pool of insured in a way that is both profitable for the insurer and fair to the customer. “Underwriting enables the company to weed out certain applicants and to charge the remaining applicants premiums that are commensurate with their level of risk”. Underwriting is done in a prudent and customer friendly manner, keeping in mind the objectives envisaged in the Board Approved Underwriting Policy. The policy envisages proper selection and classification of risk to allow widespread availability and affordability of insurance to meet the basic objectives of the Corporation.

Upgrading knowledge/ skills

With a view to upgrading the knowledge/ skills of the Underwriters at our Offices, they 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

Underwriting guidelines are reviewed from time to time on account of various factors such as Environmental and Regulatory; Technological and Medical advances; our Mortality experience of Insured lives; Industry practices and feedback etc.

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.

ANANDA

â Life Insurance Corporation of India launched its first Digital Application, “ANANDA”, an acronym for Atma Nirbhar Agents New Business Digital Application, on Thursday, the 19th of November 2020.

â The Digital application is a tool for the onboarding process to get the Life Insurance policy through a Paperless module with the help of the Agent/Intermediary. It is built on paperless KYC process using Aadhaar based e-authentication of the Life Proposed.

â ANANDA is a first of its kind in the Indian Life Insurance industry with LIC of India pioneering the process through its in-house IT enabled systems.

D C M C

â DCMC – Deposit Collection & Management Centre was initiated in January 2021 for creation of Online Proposal Deposit. Presently, such online proposal deposit creation is enabled through ANANDA. Remittances in all ULIPs, processed through ANANDA are compulsorily facilitated through Online Proposal Deposit collections.

M S P

â To conduct the Pre-policy Medicals, 16 Medical Service Providers were empanelled in September 2020 and were operationalized across all the Divisions of the Corporation. The process for conduct of Pre-policy Medicals is fully module-driven with access to the Core User of the NB department at the Branch Office.

â Necessary provisions for Online uploading of Special Medical reports onto LICs Staging Server is worked out. The Digital Medical reports would be viewed in the Branch NB eFEAP module for further processing.

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PRINT TO POST

â The concept of Centralised Policy Bond Printing has been initiated. The vendor would provide an end-to-end solution from Printing to Despatch of Policy Document & its annexures from centralized locations.

Reinsurance

â All reinsurance contracts are administered as per the reinsurance regulations and treaties with various reinsurers. The processes of Reinsurance are managed through Reinsurance module.

Others

â The process to obtain financial services from Credit Bureaus has been initiated. Financial Evaluation & One-time Post Policy verification are the services that are proposed to be obtained from the Credit Bureaus registered under CICRA, 2005.

â Integration of NUA (New Underwriting Application) with GIC Re (Reinsurer for Term plans) is being processed

â Pooling of Medical Opinion for cases referred to ZUS (Zonal Underwriting Section). All ZUS referred cases involving Medical Opinion from ZMRs would be pooled to a centralized location “ZMR-Pool” in NUS through which the cases would be equitably distributed across to all the ZMRs across various zones. This is to ensure reduction in TAT and equitable distribution among the Zonal Medical Referees across the Zones.

Miscellaneous

â Issuance of e- policy has been made operational on pan India basis.

â Dispensing with Office copy of the Policy Bond has been effected.

24. VIGILANCE:

• During the year, which was hugely impacted by the unprecedented COVID pandemic, the Vigilance Department has made all possible efforts to spread and implement the main theme of CVC—“Vigilant India, Prosperous India”, in all spheres of activity of the Corporation and ensuring transparency in all transactions.

• This year during observance of Vigilance Awareness Week (VAW) 2020, as advised by CVC, focus was more on review of internal housekeeping activities pertaining to various activities in the Corporation like land management, asset management, preventive vigilance measures, updation of rules, regulations and guidelines, systems improvements undertaken, leveraging technology (IT usage and E-governance), gender sensitization etc. Total 7,49,73,643 SMSs containing the theme of CVC were sent to stakeholders, policyholders, staff and field force during VAW. Various internal competitions, HOD meetings, Policyholder meets, Vendor meets were conducted in various LIC offices in the country. Limited outreach activities for creating vigilance awareness, like Competitions in a few schools and a college, Webinar, Video presentations, Google meet, Mobile van activity etc., were conducted.

• Online Surprise Vigilance Check (SVC) portal was launched in this year, for effective control and monitoring of the SVC process, which is an important preventive/surveillance tool.

• As per the guidelines of the CVC, Integrity Pact (IP) is being implemented in procurement processes of our organization. As regards Stores Purchase and Building Contracts, it is being ensured that CVC guidelines are strictly followed.

• A specialized training programme on procurement procedures was conducted zone wise, in December 2020. The training was imparted to about 587 officials involved in the procurement of Goods & Services at Central Office, Zonal Office and Divisional Office level. During the training the various steps involved in procurement process were explained. The common lapses & irregularities observed by the Vigilance Department were highlighted with case studies.

• Further, proactive and preventive vigilance measures were taken in identifying systemic issues if any, and suggestions made for corrective action, to the respective Controlling Departments of Central Office.

• Disposal of vigilance cases, especially those booked upto 31.03.2019, was accorded top priority in this year.

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25. CORPORATE SOCIAL RESPONSIBILITY

I. INVESTMENT IN SOCIAL SECTOR

The total investments of the Corporation amounted to ` 36,76,170.31 crore as at 31st March, 2021. Table 6 depicts a broad classification of the investments of the Corporation as at 31st March, 2021.

The Corporation subscribed an amount of ` 2,66,664.81 crore (Book Value) and ` 1,17,621.00 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 2020-21.

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 2020-21 was ` 26,322.90 Crore as indicated in Table 7. The investments as at 31.03.2021 by way of Central, State and Other Government Guaranteed Marketable securities, Loans, Debentures & Equity investments in Infrastructure and Social Sector amounts to ` 26,86,527 Crore.

II. 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 31.03.2021, LIC has provided a corpus of ` 244 Crore to the Foundation and the interest earned is utilised for funding various projects for charitable purposes. Since inception, the Foundation has supported NGOs located across the country and dedicated to the above objectives through 589 projects for ` 108.37 Crore. The Foundation has reached out to many deprived sections of society through the infrastructural support provided in the above areas.

LIC Golden Jubilee Scholarship Scheme is another initiative of the Foundation, which provides scholarships to children from economically weaker sections of the society to pursue higher education till they complete their graduation /professional course. LIC Golden Jubilee scholarship Scheme provides scholarship to children from economically weaker section of the society amount of ` 20,000/- p.a for regular students for pursing higher education and ` 10,000/- p.a to special girl child for pursuing 10 + 2 education. In the financial year 2020-21, scholarship is disbursed to 7,333 students for ` 4.50 Crore. As on 31.03.2021, 17,319 students have benefited from the scheme”.

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26. CORPORATE GOVERNANCE

BRIEF STATEMENT ON LIC’S PHILOSOPHY ON CODE OF 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 along with 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 has made us to imbibe good Corporate Governance. This has enabled us to enhance our Brand Equity, strengthen stake of stakeholders 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.

BOARD OF DIRECTORS

The LIC’s Board of Directors is broad based and its constitution is governed by the provisions of the LIC Act, 1956, Insurance Act, 1938, The Insurance Laws (Amendment) Act, 2015, IRDA Act, 1999 and the applicable regulations and guidelines made thereunder. The Board functions directly as well as through various Board Committees constituted to provide focused governance in the important functional areas of the Corporation.

i. Terms of Reference

a. to carry on capital redemption business, annuity certain business or reinsurance business in so far as such reinsurance business appertains to life insurance business.

b. subject to the rules, if any, made by the Central Government in this behalf, to invest the funds of the Corporation in such manner as the Corporation may think fit and to take all such steps as may be necessary or expedient for the protection or realisation of any investment; including the taking over of and administering and property offered as security for the investment until a suitable opportunity arises for its disposal;

c. to acquire, hold and dispose of any property for the purpose of its business.

d. to transfer the whole or any part of the life insurance business carried on outside India to any other person or persons, if in the interests of the Corporation it is expedient so to do.

e. to advance or lend money upon the security of any movable or immovable property or otherwise;

f. to borrow or raise any money in such manner and upon such security as the Corporation may think fit;

g. to carry on either by itself or through any subsidiary any other business in any case where such other business was being carried on by a subsidiary of any insurer whose controlled business has been transferred to and vested in the Corporation under this Act;

h. to carry on any other business which may seem to the Corporation to be capable of being conveniently carried on in connection with its business and calculated directly or indirectly to render profitable the business of the Corporation;

i. to do all such things as may be incidental or conducive to the proper exercise of any of the powers of the Corporation.

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ii. Composition of Board as on 31st March, 2021

As on March 31, 2021, the Board comprised of nine members, consisting of one Executive Chairman, four Managing Directors, two Government Nominee Members, one Member from Bank and one Ex-Officio Member from Insurance Industry as follows:

Sr. No.

Name of Board Members Executive/ Non-Executive Director

Independent/ Non-Independent Director

1 Shri M.R. Kumar, Chairman Executive Director Non-Independent Director

2 Shri Vipin Anand, Managing Director Executive Director Non-Independent Director

3 Shri Mukesh Kumar Gupta, Managing Director Executive Director Non-Independent Director

4 Shri Raj Kumar, Managing Director Executive Director Non-Independent Director

5 Shri Siddhartha Mohanty, Managing Director Executive Director Non-Independent Director

6 Shri Rajeev Ranjan, Additional Secretary, Department of Expenditure, Ministry of Finance, GOI

Non-Executive Director Non-Independent Director

7 Shri Pankaj Jain, Additional Secretary, Department of Financial Services, Ministry of Finance, GOI

Non-Executive Director Non-Independent Director

8 Smt. Padmaja Chunduru MD & CEO, Indian Bank Non-Executive Director Non-Independent Director

9 Shri Devesh Srivastava, CMD, GIC Re Non-Executive Director Non-Independent Director

The present strength of 9 (Nine) Directors on the Board meets the requirement provided under Section 4 of the LIC Act, 1956. None of the Directors, including the Non-Official Director of the Corporation, have resigned during the year 2020-2021.

iii. Relationship between Directors inter-se

None of the Directors on the LIC’s Board are related in any manner, directly or indirectly to any other Director.

iv. Quorum for the Board Meetings

As per LIC Regulations, 1959, five Members personally present shall be the quorum for a meeting.

v. Frequency of Board Meetings

As per LIC Regulations, 1959 the Corporation shall meet at such time and place as the Chairman may from time to time determine. But there shall be a meeting of the Corporation once at least in every three months and not more than 120 days shall elapse between two meetings.

vi. Number of Board Meetings held

During the year, 5 Board meetings were held. All the meetings were held in Mumbai and details regarding attendance at Board Meetings, directorships in other companies and memberships of committees, in respect of each Member of the Corporation, are given below in Table 1 and Table 2

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Table 1: Members Attendance at the Board Meetings, their Directorships and Committee Memberships

Name of the Member

Attendance at the Corporation’s Board Meetings held in their tenure (Held/Attended)

Directorships in other companies (other public companies)

Memberships/ Chairmanships in other Companies [only ACB ]

Names of the other listed entities where the person is a director and the category of directorship

Sitting Fees Paid

WHOLE-TIME DIRECTORS

Shri M.R. Kumar (5/5) 6 NIL • ACC LIMITED- Non Executive Director

• IDBI BANK LIMITED- Non-Executive Non-Whole Time Chairman

• LIC HOUSING FINANCE LTD- Nominee Director & Chairman

NA

Shri T C Suseel Kumar [upto 31/01/2021]

(4/4) 3 2 • LAKSHMI MACHINE WORKS LIMITED- Non-Executive - Nominee Director

• AXIS BANK LIMITED- Non-Executive - Nominee Director

• BSE LIMITED- Non-Executive Director

NA

Shri Vipin Anand (5/5) 3 NIL • GRASIM INDUSTRIES LTD - Non-Executive - Non Independent Director

• LIC HOUSING FINANCE LTD- Non-Executive - Nominee Director

NA

Shri Mukesh Kumar Gupta

(5/5) 2 NIL • DCM SHRIRAM INDUSTRIES LIMITED- Non-Executive - Nominee Director

NA

Shri Raj Kumar (5/4) 2 NIL NIL NA

Shri Siddhartha Mohanty [w.e.f. 02/02/2021]

(1/1) 1 NIL NIL NA

NON-EXECUTIVE DIRECTORS

Shri Rajeev Ranjan

[w.e.f. 21.10.2020]

(3/3) NIL NIL NIL NA

Shri Pankaj Jain [w.e.f 21.10.2020]

(3/3) 1 NIL NIL NA

Shri Debasish Panda [upto 21.10.2020]


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Shri Injeti Srinivas [upto 04.06.2020]


Shri Rajesh Verma [w.e.f 04.06.2020 upto 21.10.2020]


Smt. Padmaja Chunduru

(5/5) 2 NIL Indian Bank Executive - Director, CEO-MD

NA

Ex-OFFICIO MEMBER

Shri Devesh Srivastava

(5/5) 5 NIL • GIC HOUSING FINANCE LIMITED- Non-Executive - Non Independent Director, Chairperson related to Promoter

• GENERAL INSURANCE CORPORATION OF INDIA- Executive Director, Chairperson, CEO-MD

NA

NON-OFFICIAL DIRECTORS

Shri Bimalendu Chakrabarti [upto 28.09.2020]

(2/2) 1 NIL NIL 80,000

Shri Ravindra Nath Chaturvedi [upto 28.09.2020]

(2/2) NIL NIL NIL 80,000

Shri R. Chandrasekaran [upto 28.09.2020]

(2/2) NIL NIL NIL 80,000

SPECIAL INVITEE

Shri Dinesh Pant, Appointed Actuary


Table 2: Frequency of Board Meetings

Meeting of Board of Directors

Date(s) of Meeting (if any) during

2020-2021

Date(s) of previous Meetings

Gap between two successive meetings (in number of days)

Whether requirement of

Quorum met

Number of Directors present

Number of Non-Official Directors present

12-06-2020 20-03-2020 84 Yes 12 3

22-07-2020 12-06-2020 40 Yes 12 3

03-11-2020 22-07-2020 104 Yes 8 0

12-01-2021 03-11-2020 70 Yes 9 0

24-03-2021 12-01-2021 71Yes 9 0

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vii. *Current Board of Directors of the Corporation

Name of Board of Directors Qualification Field of Specialization Status of Directorship

Shri M.R. Kumar B.Sc, Licentiate Insurance Chairperson

Shri Pankaj Jain B.com, MBA, AICWA - Government Nominee Director

Smt. Padmaja Chunduru M.Com, CAIIB National & International Banking

Director Nomianated by GOI

Shri Mukesh Kumar Gupta B.Sc. MBA (HRM) Insurance Managing Director

Shri Raj Kumar B.Sc Insurance Managing Director

Shri Siddhartha Mohanty MA, LLB, PGCBM, Licentiate

Insurance Managing Director

Smt. Ipe Mini M Com Insurance Managing Director

*As on 17-08-2021

viii. Members of the Corporation during 2020-2021

Name of Board Members

Status of Directorship

Date of Appointment in the current term /(cessation) Qualification Field of

Specialization

Shri M.R. Kumar, Chairman Member 14.03.2019 B.Sc, Licentiate Insurance

Shri T C Suseel Kumar, Managing Director (till 31.01.2021)

Member 14.03.2019 (31.01.2021) M.A. (Economics) Insurance

Shri Vipin Anand, Managing Director Member 01.04.2019 B. Sc Insurance

Shri Mukesh Kumar Gupta, Managing Director

Member 01.11.2019 B.Sc. MBA (HRM) Insurance

Shri Raj Kumar, Managing Director Member 01.11.2019 B. Sc Insurance

Shri Siddhartha Mohanty, Managing Director

Member 02.02.2021 MA, LLB, PGCBM, Licentiate

Insurance

Shri Rajeev Ranjan, Additional Secretary, Department of Expenditure, Ministry of Finance, GOI [From 21.10.2020]

Member 21.10.2020 M.Sc (Chemistry) Public Administration

Shri Pankaj Jain, Additional Secretary, Department of Financial Services, Ministry of Finance, GOI [From 21.10.2020]

Member 21.10.2020 B.com, MBA, AICWA -

Shri Debasish Panda, Secretary, Department of Financial Services, Ministry of Finance, GOI (till 21.10.2020)

Member 11.09.2019 (21.10.2020) Post Graduate M Phil

Insurance

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Shri Injeti Srinivas, Secretary, Ministry of Corporate Affairs (till 04.06.2020)

Member 27.12.2019 (04.06.2020) BA (Hons) Economics,, M.B.A

Economics & Public Administration

Shri Rajesh Verma, Secretary, Ministry of Corporate Affairs, GOI (From 04.06.2020 to 21.10.2020)

Member 04.06.2020 (21.10.2020) B. Tech (Electrical Engg.)

IAS

Smt. Padmaja Chunduru MD & CEO, Indian Bank

Member 16.11.2018 M.Com, CAIIB National & International Banking

Shri Devesh Srivastava, CMD, GIC Ex-Officio Member

03.01.2020 B. Sc (Hons) Physics, M. Sc (Physics), PGDBM Management

Insurance

Shri Bimalendu Chakrabarti Non-Official Director

29.09.2017 (28.09.2020) B. Com. (Hons), Chartered Accountant

Insurance

Shri Ravindra Nath Chaturvedi Non-Official Director

29.09.2017 (28.09.2020) B.Com., LLB, FCA, DISACertified Information System Auditor (DISA) from the ICAI.

Finance & Accounting

Shri R. Chandrasekaran Non-Official Director

29.09.2017 (28.09.2020) B Com, CAllB, ICWA(|), ACll (UK)AIRM (UK) PGDMS (Mumbai),Certificate in Computer Software

Insurance

COMMITTEES OF BOARD

The Board has a total of Eleven (11) Committees namely–

a) Executive Committee b) Investment Committee

c) Audit Committee d) Risk Management Committee

e) Policyholders’ Protection Committee f) With Profit Committee

g) Election of Shareholders’ Director Committee h) IT Strategy Committee

i) Building Advisory Committee j) Review Committee on Wilful Defaulter

k) Remuneration Committee

a) Executive Committee [EC]

• Terms of Reference of the EC is governed by Section 19 (1) of the LIC Act, 1956.

• Composition of Executive Committee

Executive Committee has been constituted as per Regulation 13 of LIC Regulations, 1959. As on 31st March 2021 the EC comprised of 5 members and 2 special invitees. Out of whom 2 are Non-Executive Directors viz.

• Shri M R Kumar, Chairman,

• Smt Padmaja Chunduru, Member,

• Shri Devesh Srivastava, Ex-Officio Member

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• Shri Vipin Anand, Managing Director,

• Shri Mukesh Kumar Gupta, Managing Director,

• Shri Raj Kumar, Managing Director (Special Invitee)

• Shri Siddhartha Mohanty, Managing Director (Special Invitee).

• Quorum for EC Meetings

The quorum for EC meetings shall be 3 members personally present.

• Frequency of EC Meetings

EC shall meet as per the need of the Corporation.

• Meetings of EC

During the year ended March 31, 2021, 7 meetings of EC were held on 06th June, 2020, 17th July, 2020, 15th September, 2020, 12th October, 2020, 21st December, 2020, 08th January, 2021 and 15th March, 2021.

The attendance of members at the Executive Committee meetings during April 2020 to March 2021 was as follows:

Name Designation Qualification No of Meetings during tenure

No of Meetings attended

Sitting Fees Paid

Smt. M R Kumar Chairman B.Sc, Licentiate 7 7 NA

Smt. Padmaja Chunduru Member M.Com, CAIIB 7 6 NA

Shri T C Suseel Kumar, Managing Director*

Member M.A. (Economics) 6 5 NA

Shri Vipin Anand, Managing Director **@

Member B. Sc 7 7 NA


Member B.Sc. MBA (HRM) 7 7 NA

Shri Devesh Srivastava$ Ex-Officio Member B.Sc (Hons) PhysicsM.Sc Physics PGDBMManagement

6 5 NA

Shri Raj Kumar, Managing Director (Special Invitee)

Member B. Sc 7 6 NA

Shri Siddhartha Mohanty, Managing Director (Special Invitee).%

Member MA, LLB, PGDBM, Licentiate

1 1 NA

*Ceased w.e.f. 01.02.2021

$Appointed w.e.f. 15.06.2020

**Special Invitee w.e.f. 15.06.2020 till 04.02.2021

@Member w.e.f. 05.02.2021

% Special Invitee w.e.f. 05.02.2021

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• Frequency of Executive Committee Meeting during FY 2020-2021

Date(s) of Meeting (if any) during 2020-2021

Whether requirement of Quorum met (details)

Date(s) of previous Meetings Gap between two successive meetings in number of days

06-06-2020 Yes 17-03-2020 81

17-07-2020 Yes 06-06-2020 41

15-09-2020 Yes 17-07-2020 60

12-10-2020 Yes 15-09-2020 27

21-12-2020 Yes 12-10-2020 70

08-01-2021 Yes 21-12-2020 18

15-03-2021 Yes 08-01-2021 66

b) Investment Committee (IC)

• Terms of Reference of IC is governed as per Section 19 (2) of the LIC Act, 1956.

• Composition of IC

Investment Committee has been constituted as per Section 19 (2) of the LIC Act, 1956. As on 31st March 2021 the IC was comprise of 8 members, out of whom 2 members are non-executive directors, viz.


• Shri Rajeev Ranjan, Government Nominee Member,


• Shri Vipin Anand, Managing Director,

• Shri Mukesh Kumar Gupta, Managing Director,

• Shri Raj Kumar, Managing Director,

• Shri Siddhartha Mohanty, Managing Director

• Shri Dinesh Pant, Appointed Actuary

• Quorum for IC Meetings

As per LIC Regulations, 1959 four members, of whom at least one shall be a Member of the Corporation, personally present shall be a quorum for a meeting.

• Frequency of IC meetings

The IC shall meet at least four times in a year and not more than four months shall intervene between two successive IC meetings.

• Meetings

During the year ended March 31, 2021, 5 meetings of the IC were held on 25th August, 2020, 27th October, 2020, 29th December, 2020, 05th March, 2021 and 31st March, 2021.

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• The attendance of members at the Investment Committee meetings during April 2020 to March 2021 was as follows:


No of meetings attended

Sitting Fees paid

Shri M R Kumar Chairman B.Sc, Licentiate 5 5 NA

Shri Injeti Srinivas, Government Nominee Member %

Member BA (Hons) Economics, M.B.A 0 NA

Shri Rajesh Verma, Government Nominee Member^

Member B. Tech (Electrical Engg.) 1 0 NA

Shri Rajeev Ranjan, Government Nominee Member#

Member M.Sc (Chemistry) 3 3 NA

Shri B Chakrabarti, Non-Official Member^^

Member B. Com. (Hons), Chartered Accountant

1 1 20,000

Shri T C Suseel Kumar, Managing Director*


Shri Vipin Anand, Managing Director

Member B. Sc 5 3 NA


Member B.Sc. MBA (HRM) 5 4 NA

Shri Raj Kumar, Managing Director Member B. Sc 5 5 NA

Shri Devesh Srivastava$ Ex-Officio Member

B.Sc (Hons) PhysicsM.Sc Physics PGDBM Management

5 4 NA

Shri Siddhartha Mohanty, Managing Director @

Member MA, LLB, PGCBM, Licentiate 2 2 NA

Shri Dinesh Pant** Appointed Actuary B.E., FIII, FASI, MBA, LLB 5 5 NA

% Upto 4.06.2020^Member w.e.f. 15.06.2020 and till 22.10.2020#Member w.e.f. 23.10.2020^^ Ceased w.e.f. 28.09.2020*Ceased w.e.f. 31.01.2021$Appointed w.e.f. 15.06.2020@Member w.e.f. 05.02.2021

** Sh. Dinesh Pant has attended two meetings as special invitee • Frequency of Investment Committee Meeting during FY 2020-2021


Whether requirement of Quorum met (details) (Y/N)

Date(s) of previous Meetings Gap between any two successive meetings in

number of days

25-08-2020 Yes 20-03-2020 158

27-10-2020 Yes 25-08-2020 63

29-12-2020 Yes 27-10-2020 63

05-03-2021 Yes 29-12-2020 66

31-03-2021 Yes 05-03-2021 26

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c) AUDIT COMMITTEE OF BOARD (ACB)

• Composition of ACB As on 31st March 2021 the ACB comprised to 4 members, out of whom 3 members are non-executive directors, viz.

• Shri Pankaj Jain as Chairman, Government Nominee,

• Smt. Padmaja Chunduru, Member,

• Shri Raj Kumar, Managing Director

• Shri Devesh Srivastava, Ex-officio Member.

• Quorum & frequency for ACB Meetings

The quorum for ACB meetings shall be one -third of the total strength or two members of the ACB, whichever is higher with at least one independent director (if any).

• Frequency of ACB meetings

ACB shall meet at least four times in a year and not more than four months shall intervene between two successive ACB meetings.

• Meetings

During the year ended March 31, 2021, 4 meetings of the ACB were held on 22nd July, 2020, 09th September, 2020, 28th December, 2020 and 11th February, 2021.

The attendance of members at the Audit committee meetings during April 2020 to March 2021 was as follows:



Sitting Fees paid

Shri Pankaj Jain, Government Nominee@

Chairman B.com, MBA, AICWA 2 2 NA

Shri R N Chaturvedi, Non-Official Director *

Chairman B.Com., LLB, FCA, DISACertified Information System Auditor (DISA) from the ICAI.

2 2 50,000

Smt. Padmaja Chunduru Member M.Com, CAIIB 4 4 NA


Shri Devesh Srivastava, Ex-officio Member$

Member B. Sc (Hons) Physics, M. Sc (Physics), PGDBM Management

4 3 NA

@Appointed w.e.f. 23.10.2020

*Ceased w.e.f. 28.09.2020

$Appointed w.e.f. 15.06.2020

• Frequency of Audit Committee Meetings during FY 2020-2021




number of days

22-07-2020 Yes 14-02-2020 159

09-09-2020 Yes 22-07-2020 49

28-12-2020 Yes 09-09-2020 110

11-02-2021 Yes 28-12-2020 45

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d) RISK MANAGEMENT COMMITTEE (RMC)

• Composition of RMC

As on March 31, 2021, the RMC comprised of 4 Members out of whom two members are Non-Executive Directors viz.,,

• Smt Padmaja Chunduru, Chairman,

• Shri Raj Kumar, Managing Director,



• Quorum for RMC Meetings

The quorum for the RMC Meetings shall be one-third of the total strength or two members of RMC whichever is higher.

• Frequency of RMC Meetings

The RMC shall meet at least four times in a year and not more than four months shall intervene between two successive RMC meetings

• Meetings of RMC During the year ended March 31, 2021, Meetings of RMC were held on 10th June, 2020, 09th September, 2020, 23rd December,

2020 and 06th March, 2021.The attendance of members at the meetings during April 2020 to March 2021 was as follows:



Sitting Fees paid

Shri B Chakrabarti, Non-Official Director*

Chairman B. Com. (Hons), Chartered Accountant

2 2 50,000

Smt. Padmaja Chunduru** Chairman M.Com, CAIIB 4 4 NA

Shri T C Suseel Kumar, Managing Director@,



Shri Devesh Srivastava$ Ex-Officio Member

B. Sc (Hons) Physics, M. Sc (Physics), PGDBM Management

3 1 NA

Shri Siddhartha Mohanty, Managing Director%


*Ceased w.e.f. 28.09.2020**Chairman w.e.f. 23.10.2020@Member w.e.f. 23.10.2020 and till 31.01.2021, Special Invitee for 09.09.2020$Member w.e.f. 15.06.2020%Member w.e.f 05.02.2021

Meeting of Risk Management Committee




number of days

10-06-2020 Yes 24-01-2020 138

09-09-2020 Yes 10-06-2020 91

23-12-2020 Yes 09-09-2020 105

06-03-2021 Yes 23-12-2020 73

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e) POLICYHOLDERS’ PROTECTION COMMITTEE (PPC)• Composition of PPC As on March 31, 2021, the PPC comprised of 4 Members out of whom two members are Non-Executive Members and one Expert

/representative of customers, viz:

• Shri Devesh Srivastava, Ex-Officio Member, Chairman • Dr Snehlata Deshmukh, Expert • Shri Vipin Anand, Managing Director


• Quorum for PPC Meetings

The quorum for the PPC Meetings shall be one-third of the total strength or two members of PPC whichever is higher.

• Frequency of PPC Meetings

The PPC shall meet at least four times in a year and not more than four months shall intervene between two successive PPC meetings.

• Meetings of PPC During the year ended March 31, 2021, 4 Meetings of PPC were held on 10th June, 2020, 07th September, 2020, 21st December,

2020 and 23rd March, 2021.



Sitting Fees paid

Shri R. Chandrasekaran, Non-Official Director*

Chairman B Com, CAllB, ICWA(|), ACll (UK) AIRM (UK) PGDMS (Mumbai), Certificate in Computer Software

2 2 50,000

Shri Devesh Srivastava, Ex-Officio Member$

Chairman B. Sc (Hons) Physics, M. Sc (Physics), PGDBM Management

2 2 NA

Dr. Snehalata Deshmukh Expert M.S, F.R.C.S 4 4 80,000

Shri T C Suseel Kumar, Managing Director@,


Shri Vipin Anand, Managing Director

Member B. Sc 4 4 NA

Shri Siddhartha Mohanty, Managing Director%


*Ceased w.e.f. 28.09.2020$Chairman w.e.f. 23.10.2020@Member till 31.01.2021%Member w.e.f 05.02.2021

Meeting of Policyholder Protection Committee


Whether requirement of Quorum met (details)

Date(s) of previous Meetings Gap between two successive meetings in number of days

10-06-2020 Yes 30-01-2020 132

07-09-2020 Yes 10-06-2020 89

21-12-2020 Yes 07-09-2020 105

23-03-2021 Yes 21-12-2020 92

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f) WITH PROFIT COMMITTEE (WPC)

• Composition of WPC

As on March 31, 2021, the WPC comprised of 5 Members out of which one member is an Independent Actuary and other is Non-Executive Director, viz.,


• Smt S S Soman, CFO,

• Shri Subrahmanyam Kollimarla, Independent Actuary,

• Shri Devesh Srivastava, Ex-Officio Member and

• Shri Dinesh Pant, Appointed Actuary.

• Frequency of WPC Meeting

The WPC meeting will be held at least once in a year.

• Meetings of WPC

During the year ended March 31, 2021, 1 Meeting of WPC was held on 14.07.2020

The attendance of members at the meetings was as follows:



Sitting Fees paid

Shri M R Kumar Chairman B.Sc, Licentiate 1 1 NA

Smt S S Soman CFO B Com, FCA 1 1 NA

Shri Subrahmanyam Kollimarla Independent Actuary

B.Sc, AIA, FIAI, FIII 1 1 NA

Shri R Chandrasekaran@ Non-Official Director

B Com, CAllB, ICWA(|), ACll (UK) AIRM (UK) PGDMS (Mumbai), Certificate in Computer Software

1 1 20,000

Shri Devesh Srivastava* Ex-Officio Member

B. Sc (Hons) Physics, M. Sc (Physics), PGDBM Management

0 0 NA

Shri Dinesh Pant Appointed Actuary

B.E., FIII, FASI, MBA, LLB 1 1 NA

@Ceased w.e.f. 28.09.2020*w.e.f. 23.10.2020

g) ELECTION OF SHAREHOLDERS’ DIRECTOR COMMITTEE [ESDC]

The Committee has been constituted as per the MOF letter No. 16/11/2012-BO-I dated 03.04.2012. The committee of the Board headed by the Chairman/CMD has to be constituted in the Public sector Banks, Financial Institutions and Public Sector Insurance Companies which will carefully consider the qualification, experience, profile and background of the various candidates and then take a decision on supporting the candidates in the election.

• Composition of ESDC

As on March 31, 2021, the ESDC comprised of 4 Members out of whom one member is Non-Executive Member viz.



• Shri Mukesh Kumar Gupta, Managing Director


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• Quorum for ESDC Meetings

The quorum for the ESDC Meetings shall be one-third of the total strength or two members of ESDC whichever is higher.

• Frequency of ESDC Meetings

The ESDC meetings will be held as per the need of the Corporation.

• Meetings of ESDC

During the year ended March 31, 2021 no meeting of ESDC was held.

h) Information Technology Strategy Committee [ITSC]

The IT Steering Committee has been constituted as per the decision of the Board taken in the 580th Board Meeting held on 27-03-2018. Accordingly the terms of reference are as under:

• Develop a vision, philosophy, principles and strategic goals for IT in LIC.

• Establish policies that will serve as framework for executive decisions on long-term IT strategy – to include life – cycle cost analysis, roles, responsibilities, delegation of authority, security access etc.

• Providing technical advisory to the board in IT related matters brought to the table

• Ensuring that the IT organizational structure complements the business model and its direction

• Resource and manpower planning ensuring IT investments represent a balance of risks and benefits and that budgets are acceptable.

• Evaluating effectiveness of management’s monitoring of IT risk and overseeing the aggregate funding of IT.

• Monitoring the status of all approved strategic initiatives, especially those with critical deadlines, and assisting in removing obstacle to ensure timely completion of critical initiatives.

• Reviewing overall IT performance measurement and constitution of IT to business

• Review of activities by Information Security Steering Committee which was earlier being done by Risk Management Committee

• Approval of Technical evaluation of projects.

• Composition of ITSC

As on March 31, 2021, the ITSC comprised of 4 Members out of whom one member is Non-Executive Member viz,.

• Smt. Padmaja Chunduru, Chairman,

• Shri Vipin Anand, Managing Director

• Shri Mukesh Kumar Gupta, Managing Director

• Prof. (Dr). Om Damani, External Member

• Quorum for ITSC Meetings

The quorum for the ITSC Meetings shall be one-third of the total strength or two members of ITSC whichever is higher.

• Frequency of ITSC Meetings

The ITSC meetings will be held as per the need of the Corporation.

• Meetings of ITSC

During the year ended March 31, 2021, no meeting of ITSC was held.

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i) Building Advisory Committee [BAC]

TERMS OF REFERENCE

The BAC has been constituted as per the decision of the Board taken in the 510th Board meeting held on 20.08.2004 to scrutinise the proposals for purchase and sale of properties and construction and maintenance of buildings and all other matters relevant thereto and any other matter submitted to it. The BAC is empowered to approve all such proposals submitted to it of the value not exceeding ` 7 crore.

Composition of BAC

As on March 31, 2021, the BAC comprised of 6 Members out of whom one member is Non-Executive Member and two are External Members viz,




• Shri Anjan Mukherjee, External Member

• Shri Dr Sauvik Banerjee, External Member

• Shri Siddhartha Mohanty, Member (Special Invitee)

Quorum for BAC Meetings

The quorum for the BAC Meetings shall be one-third of the total strength or two members of BAC whichever is higher.

Frequency of BAC Meetings

The BAC meetings will be held as per the need of the Corporation

Meetings of BAC

During the year ended March 31, 2021, NIL Meetings of BAC were held.

j) WILFUL DEFAULTERS REVIEW COMMITTEE [WDRC]

TERMS OF REFERENCE

The Wilful Defaulters Review Committee has been constituted in terms of RBI’s Master circular dated 01-07-2014. Internal committee for identification and classification of a borrower as wilful defaulter to be headed by an official equivalent to the rank of Executive Director and comprising of two more officials equivalent to the rank of GM/ DGMs cadre. Review committee will be headed by Chairman and two independent directors to review and cofirm the order of internal committee.

Composition of [WDRC]

As on March 31, 2021, the WDRC comprised of 3 Members out of whom two members were Non-Executive Members viz.



• Smt Padmaja Chunduru, Member

Quorum for WDRC Meetings The quorum for the WDRC Meetings shall be one-third of the total strength or two members of [WDRC] whichever is higher.

Frequency of WDRC Meetings

The WDRC meeting will be held as per the need of the Corporation

Meetings of [WDRC]

During the year ended March 31, 2021, NIL Meetings of WDRC were held.

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k) Remuneration Committee [RC]

TERMS OF REFERENCE

The Whole Time Directors of LIC are entitled to performance linked incentives subject to achievement of broad quantitative parameters fixed for performance evaluation matrix based on the Statement of Intent (SOI) on Goals and qualitative parameters and benchmarks based on various compliance reports, to be evaluated by a Sub Committee of the Board. Accordingly, the annual evaluation of the performance would be done by the Sub Committee of the Board called “Remuneration Committee.” The Committee has been constituted as per MOF circular dated 20.07.2007 wherein the composition of committee is mentioned as:

(a) Government Nominee Director and (b) Two other Non-Official Directors.

Composition of [RC]

As on March 31, 2021, the RC comprised of 3 Non-Executive Directors viz.,

• Shri Pankaj Jain, Chairman

• Smt. Padmaja Chunduru, Member


Frequency of RC Meetings

The RC meeting will be held as per the need of the Corporation.

Meetings of [RC]

During the year ended March 31, 2021, 1 meeting of RC was held on 24.08.2020

The attendance of members at the meeting was as follows:



Sitting Fees paid

Shri Pankaj Jain* Chairman B.com, MBA, AICWA 0 0 NA

Shri Debasish Panda@ Chairman Post Gradaute MPhil 1 1 NA

Smt Padmaja Chunduru Member M Com, CAIIB 1 1 NA

Shri Devesh Srivastava Member B. Sc (Hons) Physics, M. Sc (Physics), PGDBM Management

1 1 NA

@ From 15.06.2020 to 22.10.2020*w.e.f. 23.10.2020

a. Quantitative and qualitative information on the insurance company’s financial and operating ratios, viz. incurred claim, commission and expenses ratios

Information, both quantitative and qualitative on the Insurer's financial and operating ratios have been furnished in the Management Report of the Annual Report and the Independent Auditors’ Report – Refer Schedule 15A.

b. Actual Solvency margin details vis-à-vis the required margin

The details of the solvency ratio are as below :

Particulars FY 2020-2021 FY 2019-2020

Actual Solvency ratio/Required Solvency ratio

1.76 1.55

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c. Insurers engaged in life insurance business shall disclose persistency ratio of policies sold by them.

Sr. No. Particular 31.03.2021 31.03.2020

1 For 13th month

By no. of Policies 67.00% 61.00%

By annualized premiums 79.00% 72.00%

2 For 25th month



3 For 37th month



4 For 49th month



5 For 61st month



d. Financial performance including growth rate and current financial position of the insurer. Financial performance including growth rate and current financial position has been furnished in the Independent

Auditor’s Report of the Annual Report.

e. Description of the Risk Management Architecture (RMR)

LIC is a premiere institutional investor in the Indian Financial Markets. Its funds are invested in asset classes in line with the IRDAI (Investment) Regulations 2016 and are exposed to various risks like market risk, credit risk, interest rate risk, liquidity risk and counterparty risk, to name a few. 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 and systems and procedures have been implemented to address these risks 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 Monitoring & Risk Reporting.

Developments across the economic sectors and companies are continuously tracked, through equity research and economic scenario reports to enable the Investment Operations Department to take investment decisions in the primary/ secondary equity markets.

Risk management is defined as the process under which Corporation addresses Investment risks associated with the corporation’s financial assets under its management by identifying, measuring and mitigating such risks. Risk Management encompasses understanding of all the factors and the extent to which those can be threats to success. The process will also endeavor to bring about the Risk culture in the organization so that the employees feel the importance of putting Risk Management System in place and each employee involves himself/ herself in appropriately addressing the concerned risks.

Board of Directors provide the overall guidance on Risk Management function which includes providing necessary oversight on key risks and measures, approving the Risk Management Policy and Risk Management Strategy, Risk Appetite statement, Asset Liability Management (ALM) Policy on an annual basis and Business Continuity Plan of the Corporation.

In line with the IRDAI Guidelines, Corporation has constituted the Risk Management Committee of the Board (RMCB). The RMCB looks after the risk management governance structure, reviews the risk management framework, risk appetite and the risk mitigation plans for significant risks, identifies strategic risks emanating from changes in business environment and regulations, oversees the compliance to regulatory requirements, all matters related to Asset Liability Management, IT Security policy for investment functions on annual basis, reviews regular updates on business continuity in line with the

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Corporation’s Business Continuity Plan, solvency position of the Corporation, fraud monitoring, etc. on regular basis. Further, all important matters which, in the view of the RMCB, require further strategic intervention from the Board are brought to its knowledge in its meeting on a periodic basis.

An independent Committee, named as Committee of Executives on Risk Management (CERM) has been constituted consisting of Heads from all the three sections of Investment Department i.e. Front office (CIO), Mid-office (CRO), Backoffice and Actuarial Department. CERM monitors the implementation of Risk Management policy and ALM policy for the Investment Department.

Besides, CERM supports the RMCB by supervising some major functions, like, establishing Risk Management Policies, MIS for risk reporting/risk control applicable to Investment Departments, frame accountability and authority for risk management, report to the Risk Management Committee of the Board about key risks arising from strategic initiatives and changes in business environment or regulations, provide risk assessment review reports highlighting significant risks and risk mitigation plans thereof, review of operating risk environment including Business Continuity Plan in line with Corporation’s Business Continuity Plan, review the solvency position of the Corporation on a regular basis, review of risk related to IT security and any other issues related to IT.

Recommendations of the CERM are reported to the RMCB. A consolidated report on various issues discussed by the Committee of Executives on Risk Management and action taken thereon along with frequency of the meeting are reported to the RMCB on quarterly basis.

Heads of Investment-Operations (Front office), Monitoring & Accounting (Back-Office) and Risk Management & Research (Mid-Office) functions are responsible for implementation of the sound Risk Management System as may be applicable to their respective areas of functioning as well as be responsible for coordinating with the other sections. They are also responsible for maintaining a sound system of internal control that supports the achievement of the objectives and policies as enumerated in the Corporation’s Investment Policy

The risk control framework is specified, monitored and controlled through Policies and procedures, Systems and Organization.

Every section of Investment Department maintains a risk register, where all the potential risk areas and control framework are listed. The initial risk identification and mitigation framework are reviewed by Committee of Executives on Risk Management (CERM) and Risk Management Committee of the Board (RMCB). The risk registers for all the departments are maintained by the Enterprise Risk Management (ERM) Cell of the Investment Risk Management and Research (RMR) Department.

LIC Has Information Security Steering Committee (ISSC) consisting of Managing Director, some Heads of Departments at Central Office and Chief Information Security Officer (CISO). It oversees all information and cyber security related policies and procedures. The data security systems are in place and are reviewed frequently to prevent frauds.

f. Details of number of claims intimated, disposed of and pending with details of duration.

The Claims settlement for FY 2020-2021 has been as follows

Sr.No.

Types of Claims No. of Claims paid for the period 31.03.2021 Total No. of Claims paid

Total amount of claims paid (` In Crore)On or before

maturity1

month1 – 3months

3 –6 months

6 months –1 year

>1 Year

1 Maturity Claims 4985875 2490604 1415412 1148058 0 0 10039949 92749.98

2 Survival Benefit 9989504 871534 473102 607490 0 0 11941630 36709.07

3 For Annuities/ Pension

9533369 1417142 71690 83663 74131 101486 11281481 10508.91

4 For Surrender (from date of request)

0 4937837 0 0 0 0 4937837 28840.29

5 Other benefits (from date of

request)

0 3564 493 571 0 0 4628 65.63

1. Death Claims (from date of intimation)

0 888355 29805 15729 0 0 933889 18295.58

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Ageing of claims as at March 31, 2021 was as follows:

SrNo.

Claims Experience For Death For Maturity Survival Benefit

For Annuities/Pension

For Surrender

Other Benefits

1. Claims O/S at the beginning of the period

5875 1359098 577446 173358 0 0

2. Claims reported during the period

941101 10532618 12014047 671332 4937837 0

3. Claims settled during the period

933889 10039949 11941630 645745 4937837 0

4. Claims Repudiated during the period

9465 0 0 3071 0 0

a. Less than 3 years from the date of acceptance of risk

9465 0 0 3071 0 10

b Greater than 3 year from the date of acceptance of risk

0 0 0 0 0 0

5. Claims Written Back 1879 717363 334240 0 0 0

6.

Claims O/S at End of the period

1725 1134404 315623 195874 0 0

Less than 3 months 792 837922 236638 26341 0 0

3 months to 6 months 933 296482 78985 169533 0 0

6 months to 1 year 0 0 0 0 0 0

1 year and above 0 0 0 0 0 0

The Claims settlement for FY 2019-2020 has been as follows :

Sr.No.

Types of Claims No. of Claims paid for the period 31.03.2020 Total No. of Claims paid

Total amount of claims paid (` In Crore)On or

before matu-

rity

1 month 1 – 3months3 –6

months6 months

–1 year>1

Year

1. Maturity Claims 5129688 2514413 972182 372345 7189 9099 9004916 116808.76

2. Survival Benefit 10077028 978616 411614 165270 6526 21858 11660912 25542.00

3. For Annuities / Pen-sion

22886914 3532122 191021 161658 160213 242823 27174751 16279.88

4 For Surrender (from date of request)

0 719978 4608125 0 0 0 5328103 70069.53

5. Other benefits (from date of request)

0 18 0 0 0 0 18 0.21

1. Death Claims (from date of intimation)

138401 741895 42044 9981 16 4 932341 17419.57

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Ageing of claims as at March 31, 2020 was as follows:

Sr. No.

Claims Experience For Death For Maturity Survival Benefit

For Annuities/Pension

For Surrender

Other Benefits

1. Claims O/S at the beginning of the period

1579 752553 2594 111752 0 0

2. Claims reported during the period

975321 10330759 12488503 6539334 5328103 18

3. Claims settled during the period

932341 9004916 11660912 6474966 5328103 18

4. Claims Repudiated during the period

8678 0 0 2221 0 0

a. Less than 2 years from the date of acceptance of risk

8587 0 0 2221 0 0

b Greater than 2 year from the date of acceptance of risk

91 0 0 0 0 0

5. Claims Written Back 10936 718453 252739 541 0 0

6.

Claims O/S at End of the period

24945 1359943 577446 173358 2 0

Less than 3 months 17801 1056601 440685 56394 2 0

3 months to 6 months 7035 303342 136761 116964 0 0

6 months to 1 year 109 0 0 0 0 0

1 year and above 0 0 0 0 0 0

g. All pecuniary relationship or transactions of Non-executive Director

The non-executive and independent (Non-official Member) director do not have pecuniary relationship or transactions with the Company, except the sitting fees paid to them for attending Board and Committee Meetings during the year.

h. Elements of remuneration package (including incentives) of MD & CEO and all other directors and Key Management Persons

The details of remuneration to Chairman and MD are disclosed in Schedule 15A of Independent Auditors’ Report of the Annual Report. (Page No 299)

i. Payment made to group entities from the Policyholders Funds

Details of payment made to group entities (related party disclosure) by the Company are included as a part of the Financial Statement – Refer “Related party Disclosure” section of Schedule 15A.

j. Any other matters, which have material impact on the Financial Position

There are no matters which have material impact on the financial position except those disclosed in the Financial Statement.

2 BOARD MEETINGS: Board meetings as per regulations are generally held once in three months. During the year, five 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.11112/01/2007B 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) Strategy Committee have also been formed.

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3 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 concerns are discussed. Zonal Managers and Heads of Department of Central Office, interact on various issues of the organization.

4 ZONAL ADVISORY BOARD (ZAB):

ZABs are constituted for each Zone, which are competent to discuss and review all matters of policy affecting the proper development of the life insurance business within the territorial limits of the Zone and make recommendations thereon.

5 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

6 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.

7 AUDITORS:

With the previous approval of the Central Government, ten Audit Firms were appointed as Statutory Auditors for the year 2020-2021. The names and address of firms are given in Appendix II (page no. 189).

8 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.

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~~ ·'lllTT~ ~ : 66598000 ... ;;ft?A ,ftirr 1Wf ........ ' ::i~~ - 400 021 .

Central office "Y< Tel. : 66598000 ogakshema", Jeevan 9 · ima Marg, Mumbai - 400 021 .

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27. DIVERSIFIED ACTIVITIES

SUBSIDIARIES DEPARTMENT

Subsidiaries Department was constituted in April 2019, to act as a liaison between the Corporation and its Subsidiaries and Associate Companies operating in India and facilitate action on identified points of synergy between them.

Subsidiaries Department is working towards

â Creating a common mission among all the subsidiaries to realize the dream of making LIC a global financial conglomerate.

â Working as a nodal point to co-ordinate, support and synergize with the subsidiaries.

â Reviewing the performance of the subsidiaries and putting up to the Board.

â Creating awareness about each other’s strengths to leverage them for growth and prosperity

â Creating a data base of financial information about the subsidiaries for reference and use.

Life Insurance Corporation of India has following Subsidiaries, Associate Companies and step-down Subsidiaries which are operating in India:

Subsidiary Companies

1) LIC Pension Fund Limited

2) LIC Cards Services Limited

Associate Companies

1) IDBI Bank Limited

Step Down Subsidiaries are:

• IDBI Capital Markets & Securities Limited

• IDBI Intech Limited

• IDBI Asset Management Limited

• IDBI MF Trustee Company Limited.

• IDBI Trusteeship Services Limited

2) LIC Mutual Fund Trustee Company Private Limited.

3) LIC Mutual Fund Asset Management Company Limited

4) LIC Housing Finance Limited

Step Down Subsidiaries are :

• LICHFL Care Homes Limited

• LICHFL Financial Services Limited

• LIC HFL Trustee Company Private Limited.

• LICHFL Asset Management Company Limited

The companies promoted by LIC of India have made significant mark in their respective segments.

a) LIC HOUSING FINANCE LIMITED

LIC Housing Finance Limited with its Corporate Office in Mumbai has 9 Regional Offices, 24 Back Offices, 282 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.

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Growth for the year 2020-21 CAGR – 5 years

Outstanding Loan as on 31.03.2021 ` 2,32,003 Crore + 10% 14%

Total Income for the year 2020-21 ` 19,847.15 Crore + 1% 9%

Net Profit for the year 2020-21 ` 2,734.34 Crore +14% 9%

Net worth as on 31.03.2021 20,316.53 Crore

Dividend declared 425%

b) LIC MUTUAL FUND ASSET MANAGEMENT LIMITED

LIC Mutual Fund (the “Mutual Fund”) has been 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 Union Bank of India.

As of 31st March, 2021 LIC Mutual Fund was managing 25 schemes. During the year 2020-21, the AMC has mobilized gross sales of ` 1,57,506 Crore from all live schemes. The total number of investors as on 31.03.2021 stood at 4,32,654. Average Assets under Management (AAUM) was ` 16,927 Crore for the last quarter of 2020-21 and it ranked 20th in terms of AAUM amongst Mutual Fund Industry.

With a network of 182 Investor service centers, 29 Area Offices and 151 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 Mutual Fund Distributors, National Distributors, Wealth Management Companies, 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 Mutual fund in the industry. Similarly, LIC Mutual Fund is among the 1st Mutual Fund to offer Exchange traded funds 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.

Schemes of LIC MF have been consistently performing well and the performance of LIC MF Schemes have been well covered by Rating Agencies.

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, regulated by the Pension Fund Regulatory and Development Authority (PFRDA) for 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 and when it is adopted by the respective State Govt.

LIC Pension Fund Ltd. is a pension fund management Company. LIC Pension Fund Ltd. manages five Government pattern schemes of National Pension System i.e. Central Govt. Scheme w.e.f 02.04.2008, State Govt. Scheme w.e.f. 25.06.2009, NPS Lite (Govt. pattern) since 04.10.2010, Corporate CG Scheme (which was bifurcated from Central Government Scheme on 04.11.2012) and Atal Pension Yojana (APY) w.e.f 01.06.2015.

In 2013-14, LIC Pension Fund Ltd. was granted license to manage private sector pension funds. There are seven schemes under the private sector pension funds viz. E Tier-I, C Tier-I, G-Tier I, A-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). Recently in FY 2021, a new scheme Tax Saver Tier II was introduced by PFRDA with effect from 7th July 2020. In all, LIC Pension Fund Ltd. manages 13 Schemes under NPS.

During the year 2020-2021, LIC Pension Fund Ltd received an amount of ` 22,333.29 Crore under Thirteen Schemes. The total Assets under Management (AUM) was ` 1,21,027.69 Crore as on 31st March 2020 which rose to ` 1,63,389.50 Crore as on 31.3.2021. Of the above ` 1,59,358.34 Crore are managed under five Government Pattern Schemes and ` 4,031.16 Crore are managed under Eight Private Sector Schemes. The total income of LIC Pension Fund Ltd. increased to ` 18.47 Crore in 2020-21 from ` 14.52 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 ` 2.50 Crore for the year 2020-21.

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The net asset value of schemes managed by LIC Pension Fund Ltd. as at 31.3.2021 was as under:

Government Pattern NAV Rate of Return since inception (CAGR)

i) Central Government 33.9560 9.86%

ii) State Government 30.2459 9.86%

iii) NPS Lite 28.2196 10.39%

iv) Corporate CG 22.3595 10.05%

v) Atal PentionYojana 17.3213 9.89%

Private Sector NAV Rate of Return since inception (CAGR)

i) E Tier-I 24.0674 12.09%

ii) C Tier-I 21.1942 10.26%

iii) G Tier-I 22.7484 11.28%

iv) E Tier-II 20.1674 9.62%

v ) C Tier-II 20.1352 9.60%

vi) G Tier-II 23.0377 11.54%

vii) A Tier I 13.9748 7.78%

viii) Tax Saver Tier II 10.2264 4.03%

Tax Benefits for NPS :

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. Similarly, 40% of lumpsum withdrawal at retirement has been exempted from tax.

As the awareness about NPS increases, total AUM under NPS is expected to grow further in the future. The Central Govt. has permitted its employees to choose investment pattern and any Fund Manager (out of 8, Public & Private Fund Managers) for their incremental contributions to NPS w.e.f. 1.4.2019. This decision is expected to increase the competition among Pension Fund Managers to generate better risk adjusted returns.

d) LIC CARDS SERVICES LTD

LIC Cards Services Ltd., (LIC CSL) was incorporated on 11th November 2008 as a wholly owned subsidiary of LIC of India with the paid up 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 having its Corporate Office in Delhi and presently operational through 12 Area Offices at Ahmedabad, Bengaluru, Bhopal, Chandigarh, Chennai, Delhi (Outside), Delhi (Local), Hyderabad, Kolkata, Mumbai, Lucknow and Patna. 199 City Sales Managers and 17,243 Sales Representatives are engaged in providing Credit Card services to our customers.

Presently the Company has tie ups with Axis Bank and Union Bank of India 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. LIC Cards are Life Time Free i.e. 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 with Double Reward Points and Nil Convenience Fee. Some of the salient features of LIC Cards are as follows:

1. Free Accidental Insurance of ` 5 Lacs (in Signature Card powered by Axis Bank), ` 3 Lacs (in Platinum Card powered by Axis Bank) and ` 2.5 Lacs (in Platinum Card powered by Union Bank of India.)

2. Attractive Reward Points on every spend of ` 100/-

3. Double Reward Points on all International Spends

4. Double Reward Points on payment of LIC premium without charging any convenience fee.

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5. Airport Lounge facility on selected Airports for Signature Cardholders on payment of token amount of ` 2/- only (Twice in each Quarter)

6. Interest Free Credit Period of 20 – 50 days

LIC CSL is co-branded partner with Axis Bank for issuing Gift Cards to the Employees, Agents, Subsidiaries, Group Insurance Master Policyholders of LIC. The Company has also entered into an Agreement with IDBI Bank Ltd. for issuing Credit Card, Gift Card (Shagun) and Cash Card (Suvidha) and with Sodexo SVC India private Ltd for issuing Meal Cards. Gift card ‘Shagun’, in collaboration with IDBI Bank on RuPay platform, was e-launched on 15th June 2021. Shagun card in the initial phase will be available to employees and agents of LIC and its subsidiaries/associates.

As on 31.03.2021, the total Credit Card portfolio has increased to 3,47,428 from 3,24,057 as on 31.03.2020. During the year 2020-21, the Company has issued 23,371 Credit Cards. The Company achieved Net Profit (unaudited) of ` 529.66 lacs as on 31st March 2021. The Company has exceeded the income budget on various counts. The percentage achievement to budget is 132.60 percent in Revenue from Spends, 136.89 percent in income from Meal Cards and 191.10 percent in interest and other income. Overall the Company has attained 118.90 percent in achievement to budget in gross revenue by achieving total revenue of ` 11.89 Crore in 2020-21.

e) IDBI BANK

IDBI Bank Ltd., a universal bank headquartered in Mumbai, is promoted by the Life Insurance Corporation of India (LIC) with present shareholding of 49.24% with the Government of India (GoI) as co-promoter with a shareholding of 45.48%. The Bank provides the entire gamut of financial and investment solutions through its 1,886 branches, 3,388 ATMs and 58 e-lounges. The branch network of the Bank also includes one overseas branch in Dubai International Financial Centre (DIFC) and one International Banking Unit (IBU) in Gujarat International Finance Tec-City (GIFT), Gandhinagar. Tapping the ever-increasing digitalisation, the Bank has leveraged its state-of-the-art technology to offer innovative digital solutions to all its stakeholders, especially customers, to access routine banking/ financial transactions at their fingertips.

The Bank provides a wide array of banking products and services such as savings account, current account, term deposits, home loan, auto loan, education loan, personal loan, loan products for Agri and MSME clients, fund based and non-fund based assistance to corporates, treasury & capital market products, thus acting as a one-stop solution to the financial needs of wide range of customers, spanning Retail, Agriculture, MSMEs and Corporates. Collaborating with its subsidiaries and joint ventures across diverse areas of para-banking and financial system, the Bank also cross-sells various third-party products and services while being mindful of the risk profile and financial goals of its customers. The Bank has five subsidiaries, viz. (i) IDBI Capital Markets & Securities Ltd. (ICMS) – a Broking and Distribution company; (ii) IDBI Intech Ltd. (IIL) – an IT company; (iii) IDBI Asset Management Ltd. (IAML) – the investment manager of schemes launched by IDBI Mutual Fund; (iv) IDBI MF Trustee Company Ltd. (IMTCL) - the Trustee of IDBI Mutual Fund; and (v) IDBI Trusteeship Services Ltd. (ITSL) – a company to carry out trusteeship and other related business. The Bank also has a joint venture, viz. Ageas Federal Life Insurance Company, with Federal Bank Ltd. and Ageas Insurance International (Ageas) for carrying out life insurance business.

The Bank is proactively involved in promoting the Government schemes such as Pradhan Mantri Jan Dhan Yojana (PMJDY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jeevan Jyoti BimaYojana (PMJJBY) and Atal Pension Yojana (APY), underscoring its commitment to the policy objective of financial inclusion. In the period following the COVID-19 outbreak, the Bank has also announced a slew of measures, in line with the policy/ regulatory measures announced by the Government of India and the Reserve Bank of India, for providing financial assistance/ relief to the targeted segments.

Major highlights of IDBI Banks performance in FY 2020-21 are as under

As on March 31, 2021, IDBI Bank’s (standalone) balance sheet size was at ` 2,97,764 crore and had a total business of ` 3,59,048 crore. The Bank’s key financial highlights are presented below:

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Business Highlights

As on March 31, 2021 (` In crore)

Deposits 2,30,898

- CASA Deposits 1,16,491

- CASA Share (%) 50.45%

Advances (Gross) 1,61,901

-Corporate 62,113

-Retail 99,788

-Corporate : Retail (%) 38:62

Profit & Loss

2020-21 (` In crore)

For the period

Total Income 24,557

- Interest Income 19,932

- Other Income 4,625

Total Expenses (excl. provisions & contingencies) 17,466

- Interest Expenses 11,414

- Operating Expenses 6,052

Net Interest Income 8,518

Operating Profit 7,091

Provisions & Contingencies 5,732

Profit/ (Loss) After Tax 1,359

Capital Ratios

As on March 31, 2021

CRAR 15.59%

Tier 1 Ratio 13.06%

IDBI-LIC Synergies during FY 2020-21:

Since the Life Insurance Corporation of India (LIC) came on-board as a promoter in January 2019, the Bank has also been distributing LIC’s insurance products as well as facilitating premium collection through various channels. In FY 2020-21, IDBI Bank has collected insurance premium amounting to ` 863 crore in respect of the LIC, netting a fee income of ` 62 crore. IDBI Bank has become the foremost bancassurance partner for the second year in a row contributing 50% of LIC’s total banca business. IDBI Bank also facilitates LIC renewal premium collection from LIC policyholders and Agents by way of cash, cheque (any bank) and merchant invoices (in cash) through its branches as well as through online channels viz. internet banking, mobile banking and Point-of-Sale (POS) terminals deployed at select LIC branches and premium points. IDBI Bank has processed more than 2.6 lakh transactions of renewal premium collection during FY 2020-21. The Bank has also extended institutional current account and transaction banking-related services to meet collection/ payments-related requirements of various LIC Offices/ Departments. The Bank’s tie up with LIC with respect to co-branded cards and other prepaid instruments is under progress as a part of the digital synergy.

While both the entities are reaping remarkable benefits in their respective business segments, it is anticipated that, going forward, with the current intensity of engagements, business synergies will continue to witness multi-dimensional growth and help in increasing value for all stakeholders.

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28 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 2020-21.

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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SUMMARISED RESULTSNEW BUSINESS for the year 2020-2021 2019-2020INDIVIDUAL ASSURANCESum Assured/ NCO/ MSB (` in crore) (` in crore)a) Assurances 556997.05 617659.13b) Annuities* 19450.82 14851.18c) Pension* 0.00 361.90d) Non Linked Health*** 26419.13 26468.61e) Linked*** 3298.67 829.72No. of Policies (in lakh)a) Assurances 203.04 213.62b) Annuities 2.68 2.34c) Pension 0.00 0.07d) Non Linked Health 3.24 2.83e) Linked 0.90 0.24GROUP SCHEMES:Sum Assured (incl Linked Business) 308528.04 186579.95 Annuities in Payment 798.22 #78884.50 Consideration for Annuities * 76667.42 77532.97 No. of Schemes:Group Insurance(incl Linked Business) 31322 28741 Social Security Group Schemes - - Group Superannuation 473 145 No. of lives (in lakh)Group Insurance (incl Linked Business) 311.46 296.04Social Security Group Schemes 0 94.20Group Superannuation 4.19 15.06BUSINESS IN FORCE at the end of the year ;INDIVIDUAL INSURANCESum Assured & Bonus/ APA/ MSBa) Assurances 5986624.46 5686035.01b) Annuities** 7670.30 6367.13c) Pension** 2173.59 2118.52d) Non Linked Health*** 60458.25 51465.02e) Linked*** 21307.37 28917.29No. of Policies (in lakh)a) Assurances 2797.13 2817.63b) Annuities 22.92 20.44c) Pension 14.84 15.16d) Non Linked Health 7.18 6.34e) Linked 21.18 33.38GROUP SCHEMES:Sum Assured (incl. Linked Business) 1577407.78 1881026.32Annuities in Payment 9503.56 8834.55Consideration for Annuities * 416691.99 360677.23No. of schemes:Group Insurance (incl. Linked Business) 143636 141343Group Superannuation 20366 23702No of lives (in lakhs)Group Insurance (incl. Linked Business) 835.22 1042.90Group Superannuation 96.45 92.58NCO-Notional Cash Option,APA- Annuity Per Annum, MSB-Major Surgical Benefit * NCO Value ** APA Value *** In case of Jeevan Arogya, Health Plus and Health Protection Plus plans figures in SA column indicate Major Surgical Benefit ( MSB)# It represent the amount availabe for future annuitisation

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SUMMARISED RESULTS (CONTD.)INCOME 2020-2021 2019-2020

(` In crore) (` In crore)Individual AssuranceFirst Year Premium 27576.15 29356.08Percentage Increase over Previous Year -6.06 10.42Renewal Premium 210094.39 192738.91Single Premium & Consideration for Annuities Granted 28291.76 22021.02Individual Pension SchemesFirst Year Premium 3.96 23.71Renewal Premium 576.64 620.26Consideration for Annuities Granted 0.00 8.48Group SchemesGroup Insurance Premium 39183.96 31833.56Group Superannuation Premium 95723.58 101711.44LINKED BUSINESS PREMIUM 1393.91 749.10Total Premium Income 402844.35 379062.56

Percentage Increase over Previous Year 6.27 12.42Income from Investments (including capital gain) 272690.16 234187.31Miscellaneous 599.51 1475.09Total Income 676134.02 614718.85Variation due to change in Fair Value of linked Business(unit fund) 6070.98 1164.09Net Total Income 682205.00 615882.94*Previous year figures regrouped wherever necessary.

265962

244116

Analysis of Income(`in crore)

Individual Assurance

134908

133545

Group Scheme

272690

234187

Income from Investment

581

652

Individual Pension Scheme

1394

749

Linked Business Premium

600

1469

Miscellaneous

6071

1164

Variation due to change in Fair Value

of Linked Business (unit fund)

2000002020-21

2019-20

40000 60000 80000 100000 120000 140000 160000 180000 200000 220000 240000 260000 280000

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SUMMARISED RESULTS (CONTD.)

Outgo 2020-2021(` In crore)

2019-2020(` In crore)

Payments to Policy-holdersClaims by Maturity 167549.58 152437.98Claims by Death 23776.74 17465.28Annuities 14571.36 13015.29Surrenders 80986.14 74355.51Total Amount 286883.82 254222.26*Previous year figures regrouped wherever necessary.

180000

160000

140000

120000

100000

80000

60000

40000

20000

0

Policy Payments(` in crore)

Maturity Death Annuities Surrenders

30000

25000

20000

15000

10000

5000

0

Commission etc.to Agents

Salary and other Benefitsto Employees

Other Expensesof Management

Other Outgo (Taxes, Transfersto Reserves, etc.)

5% of Valuation Surpluspaid to the Central Government

Management Expenses(` in crore)

20450

152438

167550

2133822170

25090

26755

9167

8234

17188

13077

26982899

1746523777

1301514571

74356

80986

2020-21 2019-20

2020-21 2019-20

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SUMMARISED RESULTS (CONTD.)Expenses of Management 2020-2021

(` In crore)2019-2020

(` In crore)Commission etc. to Agents 22169.92 21338.34Salary and other Benefits to Employees 26755.18 25089.77Other Expenses of Management 8234.34 9167.04Total 57159.44 55595.15Other Outgo Other Outgo (Taxes, transfers to reserves,etc.) 13077.07 17188.375% of Valuation Surplus paid to the Central Government 2889.01 2697.74Total 15966.08 19886.11Total Outgo 360009.34 329703.52

Outstanding Claims at the end of the year 2020-2021(` in crore)

2019-2020(` in crore)

Maturity 9481.53 9057.51Death 292.42 342.78Total 9773.95 9400.29Ratio of Expenses of Management to Total Premium Income

Commission etc. to Agents 6.13% 5.50%Salary and other benefits to Employees 6.61% 6.62%Other Expenses of Management 2.50% 2.65%Overall Expenses Ratio 14.19% 14.67%Ratio of Outstanding Claims To Claims payable 5.11 5.52Rate of Interest realised on Mean 7.42 7.54*Previous year figures regrouped wherever necessary.

Policy Liabilities 2020-2021(` in crore)

2019-2020(` in crore)

Non Linked BusinessPolicy Liabilities at the beginning of the year 3081998.18 2786711.95Add : Excess of Income over Outgo 321752.79 295286.23Policy liability at the end of the year 3403750.97 3081998.18Percentage Increase over the previous year 10.44% 10.60%Linked BusinessPolicy Liabilities at the beginning of the year 32497.65 41607.99Add : Addition during the year 434.31 -9110.34Policy liability at the end of the year 32931.96 32497.65Percentage Increase over the previous year 1.34% -21.90%

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Table No. 1 A NEW BUSINESS (INDIVIDUAL)NEW BUSINESS IN INDIA NEW BUSINESS OUT OF INDIA TOTAL NEW BUSINESS

Year No. of Policies

Sum Assured/

NCO(` in crore)

Annual Premium

Receivable(` in crore)

No. of Policies

Sum Assured/ NCO

(` in crore)

Annual Premium


No. of Policies

Sum Assured/

NCO(` in crore)

Annual Premium


Individual Assurance

2018-2019 20795524 549210.97 28832.54 14472 976.74 47.55 20809996 550187.71 28880.09

2019-2020 21349725 616751.32 32886.65 12502 907.81 46.19 21362227 617659.13 32932.83

2020-2021 20294149 556255.31 29060.56 9678 741.75 39.88 20303827 556997.05 29100.44

General Annuity

2018-2019 330260 6990.76 0.00 - - - 330260 6990.76 0.00

2019-2020 233720 14851.18 0.00 - - - 233720 14851.18 0.00

2020-2021 267556 19450.82 0.00 - - - 267556 19450.82 0.00

Pension

2018-2019 8849 449.16 24.31 - - - 8849 449.16 24.31

2019-2020 6547 361.90 18.56 - - - 6547 361.90 18.56

2020-2021 0 0.00 0.00 - - - 0 0.00 0.00

Non Linked Health*

2018-2019 262498 24563.17 122.68 - - - 262498 24563.17 122.68

2019-2020 282505 26468.61 117.78 - - - 282505 26468.61 117.78

2020-2021 323721 26419.13 122.07 - - - 323721 26419.13 122.07

Policies (in crore)

1

1.5

2.5

2

Sum Assured/NCO (` in crore)700000

650000

600000

550000

500000

Annual Premium Receivable (` in crore)

35000

30000

25000

20000

15000

2.102.192.14

2018-2019 2019-2020 2020-2021

606166

660170

582482

2018-2019 2019-2020 2020-2021

29443

33145

29056

2018-2019 2019-2020 2020-2021

NEW BUSINESS FIGURE 2018-2019 TO 2020-2021

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Table No. 1 A NEW BUSINESS (INDIVIDUAL) (CONTD.)NEW BUSINESS IN INDIA NEW BUSINESS OUT OF INDIA TOTAL NEW BUSINESS


Sum Assured/

NCO(` in crore)

Annual Premium


No. of Policies

Sum Assured/ NCO

(` in crore)

Annual Premium


No. of Policies

Sum Assured/

NCO(` in crore)

Annual Premium


Unit Linked

New Endowment plus (Plan-835)

2018-2019 6774 287.93 28.79 - - - 6774 287.93 28.79

2019-2020 17532 591.70 59.17 - - - 17532 591.70 59.17

2020-2021 0 0.00 0.00 - - - 0 0.00 0.00

New Endowment plus (Plan-935)

2018-2019 - - - - - - - - -

2019-2020 522 19.23 1.92 - - - 522 19.23 1.92

2020-2021 13363 400.65 40.07 - - - 13363 400.65 40.07

Nivesh Plus

2018-2019 - - - - - - - - -

2019-2020 2694 68.69 - - - - 2694 68.69 -

2020-2021 43847 1137.73 - - - - 43847 1137.73 -

SIIP

2018-2019 - - - - - - - - -

2019-2020 2975 148.00 15.00 - - - 2975 148.00 15.00

2020-2021 32803 1756.04 179.92 - - - 32803 1756.04 179.92

UK - Linked

2018-2019 - - - 10 2.09 0.00 10 2.09 0.00

2019-2020 - - - 10 2.09 0.00 10 2.09 0.00

2020-2021 - - - 18 4.24 0.00 18 4.24 0.00

* In case of Jeevan Arogya plan figures in SA column indicate Major Surgical Benefit ( MSB)

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NEW BUSINESS (GROUP)Table No. 1 B

YearNo. of Schemes No. of members Sum Assured /

Annuity per annumConsideration for Annuities

(in Lakh) (` in Crore) (` in Crore)

Group Insurance (incl. Social Security)

2018-2019 29134 556.34 499085.63 0

2019-2020 28741 390.23 186579.95 0

2020-2021 31322 311.46 308528.04 0

Group Superannuation

2018-2019 217 6.66 709.84 42083.58

2019-2020 145 15.06 #78884.50 77532.97

2020-2021 473 4.19 798.22 76667.42

# the figure was inclusive of Consideration for Annuities.

NEW BUSINESS GROUP INSURANCE (INCLUSIVE OF SOCIAL SECURITY)

308528

186580

Sum Assured / Annuity Per Annum,(` in Crore)

700000

800000

600000

500000

400000

300000

200000

100000

0

499086

Sum Assured / Annuity Per Annum,(` in Crore)

2018-2019 2019-2020 2020-2021

31322

28741

Number of Schemes(in Lakh)

32000

31000

30000

29000

28000

27000

26000

0

29134

2018-2019 2019-2020 2020-2021

311

390

Number of Members(in Lakh)

600

500

400

300

200

100

0

556

2018-2019 2019-2020 2020-2021

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Table No. 3 A IN FORCE BUSINESS (INDIVIDUAL) BUSINESS IN - FORCE IN INDIA BUSINESS IN - FORCE OUT OF INDIA TOTAL BUSINESS IN - FORCE


Sum Assured/

APA(` in crore)

Annual Premium


No. of Policies

Sum Assured/

APA(` in crore)

Annual Premium


No. of Policies

Sum Assured/ APA

(` in crore)

Annual Premium


Individual Assurance2018-2019 282137112 4503861.81 211259.75 106225 5796.42 288.25 282243337 4509658.22 211548.00

2019-2020 281658312 4803768.44 225581.08 104207 5970.28 299.20 281762519 4809738.72 225880.28

2020-2021 279614060 5029944.65 235066.75 98761 6083.34 300.07 279712821 5036027.99 235366.82

General Annuity2018-2019 1820911 5206.99 9.31 1 0.00 0.00 1820912 5207.00 9.31

2019-2020 2043879 6367.13 7.91 1 0.00 0.00 2043880 6367.13 7.91

2020-2021 2292119 7670.30 6.91 1 0.00 0.00 2292120 7670.30 6.91

Pension2018-2019 1541649 2076.60 720.58 171 1.52 0.11 1541820 2078.12 720.69

2019-2020 1515607 2117.06 662.73 170 1.46 0.10 1515777 2118.52 662.83

2020-2021 1484182 2166.61 589.78 160 0.66 0.09 1484342 2173.59 589.87

Number of policies (in crore)

30

25

20

15

10

27.9728.1828.22

2018-2019 2019-2020 2020-2021

Sum Assured/APA (` in crore)

5000000

4500000

4000000

3500000

3000000

5036028

48097394509658

2018-2019 2019-2020 2020-2021

6000000 235367

225880

211548

2018-2019 2019-2020 2020-2021

Annual Premium Receivable (` in crore)

230000

220000

210000

200000

190000

180000

240000

TOTAL BUSINESS OF INDIVIDUAL ASSURANCE IN FORCE

170

64th

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


Sum Assured/

APA(` in crore)

Annual Premium


No. of Policies

Sum Assured/

APA(` in crore)

Annual Premium


No. of Policies

Sum Assured/ APA

(` in crore)

Annual Premium


Non Linked Health*2018-2019 570669 39445.24 305.63 - - - 570669 39445.24 305.63

2019-2020 633545 51465.02 331.72 - - - 633545 51465.02 331.72

2020-2021 717605 60458.25 359.12 - - - 717605 60458.25 359.12

Unit Linked Future Plus2018-2019 66562 42.05 9.13 - - - 66562 42.05 9.13

2019-2020 53440 35.31 7.75 - - - 53440 35.31 7.75

2020-2021 39757 30.30 6.48 - - - 39757 30.30 6.48

Jeevan Plus2018-2019 69347 1306.58 151.12 - - - 69347 1306.58 151.12

2019-2020 64863 1220.43 148.89 - - - 64863 1220.43 148.89

2020-2021 60864 1146.14 146.84 - - - 60864 1146.14 146.84

Money Plus2018-2019 178986 1912.11 152.50 - - - 178986 1912.11 152.50

2019-2020 163785 1750.45 138.48 - - - 163785 1750.45 138.48

2020-2021 150626 1605.96 125.57 - - - 150626 1605.96 125.57

Market Plus2018-2019 483847 147.75 56.22 - - - 483847 147.75 56.22

2019-2020 432559 132.47 51.43 - - - 432559 132.47 51.43

2020-2021 396876 120.02 47.59 - - - 396876 120.02 47.59

Fortune Plus

2018-2019 13992 391.12 0.00 - - - 13992 391.12 0.00

2019-2020 12802 359.49 0.00 - - - 12802 359.49 0.00

2020-2021 11983 336.82 0.00 - - - 11983 336.82 0.00

Profit Plus2018-2019 232597 2735.65 0.00 - - - 232597 2735.65 0.00

2019-2020 203239 2424.43 0.00 - - - 203239 2424.43 0.00

2020-2021 187468 2225.16 0.00 - - - 187468 2225.16 0.00

Money Plus-12018-2019 18598 200.28 20.85 - - - 18598 200.28 20.85

2019-2020 14618 157.44 16.59 - - - 14618 157.44 16.59

2020-2021 12808 134.64 14.80 - - - 12808 134.64 14.80

Child Fortune Plus2018-2019 15250 312.48 16.22 - - - 15250 312.48 16.22

2019-2020 14083 289.31 14.66 - - - 14083 289.31 14.66

2020-2021 13035 270.42 13.56 - - - 13035 270.42 13.56

171

64th

ANNUAL REPORT



Sum Assured/

APA(` in crore)

Annual Premium


No. of Policies

Sum Assured/

APA(` in crore)

Annual Premium


No. of Policies

Sum Assured/ APA

(` in crore)

Annual Premium


Market Plus-1

2018-2019 992099 224.57 113.20 - - - 992099 224.57 113.20

2019-2020 649867 180.52 81.38 - - - 649867 180.52 81.38

2020-2021 475048 153.74 60.50 - - - 475048 153.74 60.50

Health Plus*

2018-2019 79747 3320.53 81.01 - - - 79747 3320.53 81.01

2019-2020 71721 3001.78 71.64 - - - 71721 3001.78 71.64

2020-2021 64702 2568.03 64.65 - - - 64702 2568.03 64.65

Health Protection Plus*

2018-2019 93020 3716.49 44.62 - - - 93020 3716.49 44.62

2019-2020 90206 3607.98 39.58 - - - 90206 3607.98 39.58

2020-2021 87518 3423.24 35.80 - - - 87518 3423.24 35.80

Jeevan Sathi Plus

2018-2019 2577 37.51 2.72 - - - 2577 37.51 2.72

2019-2020 1632 26.63 1.88 - - - 1632 26.63 1.88

2020-2021 1532 25.21 1.75 - - - 1532 25.21 1.75

Wealth Plus

2018-2019 1291930 13842.10 0.00 - - - 1291930 13842.10 0.00

2019-2020 385305 3934.59 0.00 - - - 385305 3934.59 0.00

2020-2021 0 0.00 0.00 - - - 0 0.00 0.00

Endowment Plus

2018-2019 580609 5086.71 109.56 - - - 580609 5086.71 109.56

2019-2020 525560 4572.12 97.17 - - - 525560 4572.12 97.17

2020-2021 239674 2268.82 44.24 - - - 239674 2268.82 44.24

Pension Plus

2018-2019 62925 0.00 70.90 - - - 62925 0.00 70.90

2019-2020 58545 0.00 66.43 - - - 58545 0.00 66.43

2020-2021 26305 0.00 36.28 - - - 26305 0.00 36.28

Samridhi Plus

2018-2019 566451 5213.35 32.76 - - - 566451 5213.35 32.76

2019-2020 527989 4832.43 29.03 - - - 527989 4832.43 29.03

2020-2021 204983 1854.74 10.35 - - - 204983 1854.74 10.35

Flexi Plus

2018-2019 1005 23.13 2.31 - - - 1005 23.13 2.31

2019-2020 889 20.31 2.03 - - - 889 20.31 2.03

2020-2021 800 18.17 1.82 - - - 800 18.17 1.82New Endowment plus (Plan-835)2018-2019 43314 1515.68 151.56 - - - 43314 1515.68 151.56

2019-2020 60133 2079.04 207.90 - - - 60133 2079.04 207.90

2020-2021 57072 1974.31 197.43 - - - 57072 1974.31 197.43

172

64th

ANNUAL REPORT



Sum Assured/

APA(` in crore)

Annual Premium


No. of Policies

Sum Assured/

APA(` in crore)

Annual Premium


No. of Policies

Sum Assured/ APA

(` in crore)

Annual Premium


New Endowment plus (Plan-935)2018-2019 - - - - - - - - -

2019-2020 522 19 2 - - - 522 19 2

2020-2021 11102 319.10 31.91 - - - 11102 319.10 31.91

Nivesh Plus2018-2019 - - - - - - - - -

2019-2020 2694 69 - - - - 2694 69 -

2020-2021 46498 1204.69 0.00 - - - 46498 1204.69 0.00

SIIP2018-2019 - - - - - - - - -

2019-2020 2975 148 15 - - - 2975 148 15

2020-2021 28789 1555.98 159.82 - - - 28789 1555.98 159.82

UK - Linked2018-2019 - - - 300 54.25 4.86 300 54.25 4.86

2019-2020 - - - 292 56.65 3.89 292 56.65 3.89

2020-2021 - - - 287 71.88 3.80 287 71.88 3.80* In case of Jeevan Arogya, Health Plus and Health Protection Plus plans figures in SA column indicate Major Surgical Benefit ( MSB)

173

64th

ANNUAL REPORT

Year No. of Schemes No. of members (in Lakh)

Sum Assured/ NCO/ Annuites

PA (` in Crore)

Consideration for Annuities *

(` in Crore)

Premium Income

(` in Crore)

Group Insurance (incl. Social Security)

2018-2019 139610 1070.86 2014670.17 0 42290.60

2019-2020 141312 1042.90 1881026.32 0 31833.57

2020-2021 143607 834.93 1577183.52 0 39184.05

Group Superannuation

2018-2019 23426 89.64 7183.98 299940.45 55898.70

2019-2020 23702 92.58 8834.55 360677.23 101711.44

2020-2021 20366 96.45 9503.56 416691.99 95723.57

Linked Business G Plus

2018-2019 32 0.31 249.13 0 9.60

2019-2020 31 0.29 240.10 0 7.30

2020-2021 29 0.28 224.27 0 2.75

* It represents the amount available for future annuitisation

BUSINESS IN FORCE (GROUP)Table No. 3 B

NCO/APA/SA (` in crore)

2100000

2000000

1900000

1800000

1700000

1600000

1500000

1400000

1300000

1200000

1100000

1000000

1890101

1586911

2022103

2018-2019 2019-2020 2020-2021

Premium (` in crore)150000

140000

130000

120000

110000

100000

90000

80000

70000

60000

50000

133552 134910

98199

2018-2019 2019-2020 2020-2021

1136

932

1161

2018-2019 2019-2020 2020-2021

Members (in lakh)1300

1200

1100

1000

900

800

700

600

500

Group Schemes180000

170000

160000

150000

140000

130000

120000

110000

100000

90000

80000

70000

60000

50000

165045 164002163068

2018-2019 2019-2020 2020-2021

BUSINESS IN FORCE (GROUP)

174

64th

ANNUAL REPORT

Tab

le N

0. 4

Fo

rm D

D

S

tatu

tory

Sta

tem

ents

rega

rdin

g po

licie

s

New

life

insu

ranc

e bu

sine

ss in

resp

ect o

f whi

ch a

pr

emiu

m h

as b

een

paid

dur

ing

the

year

202

0-20

21To

tal l

ife in

sura

nce

busi

ness

in fo

rce

at t

he e

nd o

f the

yea

r 31

.3.2

021

Num

ber o

f po

licie

sSu

m A

ssur

ed/N

COCo

nsid

erat

ion

for

Annu

itie

sSi

ngle

Prem

ium

sYe

arly

Re

new

al

Prem

ium

Num

ber o

f Po

licie

sSu

m in

sure

d w

ith

Bonu

ses

and

An

nuit

ies

per

annu

m

C ons

ider

atio

n

for A

nnui

ties

Prem

ium

inco

me

for w

hich

cre

dit

has

been

take

n in

the

Rev

enue

Acc

ount

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

(9)

(10)

Ord

inar

y Po

licie

s **

In In

dia

2029

4149

5562

5530

8536

4-

7902

8393

777

2906

0556

8856

2796

1406

059

7955

5270

8545

-24

5159

4803

673

Out

of I

ndia

9678

7417

4637

74-

9759

9509

239

8787

304

9876

170

6919

0577

5-

3927

2726

32To

tal

2030

3827

5569

9705

4913

8-

8000

4388

869

2910

0435

6160

2797

1282

159

8662

4461

4320

-24

5552

2076

305

Annu

ity

Cont

ract

s et

c :

In In

dia

2675

5619

4508

2287

86-

2029

1318

4408

-22

9211

976

7030

1912

2-

2029

5320

1152

Out

of I

ndia

--

--

-1

1210

5-

-To

tal

2675

5619

4508

2287

86-

2029

1318

4408

-22

9212

076

7030

3122

7-

2029

5320

1152

Non

Lin

ked

Hea

lth #

In In

dia

3237

2126

4191

3000

00-

-12

2070

2230

7176

0560

4582

5400

00-

3382

3759

26

Tota

l32

3721

2641

9130

0000

--

1220

7022

3071

7605

6045

8254

0000

-33

8237

5926

Link

ed P

lan

- Fut

ure

Plus

In In

dia

- -

--

-39

757

3030

4136

0-

4465

1000

Tota

l -

--

--

3975

730

3041

360

-44

6510

00Li

nked

Pla

n - J

eeva

n Pl

usIn

Indi

a -

--

--

6086

411

4613

9500

0-

3044

7566

0To

tal

- -

--

-60

864

1146

1395

000

-30

4475

660

Link

ed P

lan

- Mon

ey P

lus

In In

dia

- -

--

-15

0626

1605

9571

250

-13

9751

6290

Tota

l -

--

--

1506

2616

0595

7125

0-

1397

5162

90Li

nked

Pla

n - M

arke

t Plu

sIn

Indi

a -

--

--

3968

7612

0021

5000

-29

7917

746

Tota

l -

--

--

3968

7612

0021

5000

-29

7917

746

Link

ed P

lan

- For

tune

Plu

sIn

Indi

a -

--

--

1198

333

6818

5000

--

Tota

l -

--

--

1198

333

6818

5000

--

Link

ed P

lan

- Pro

fit P

lus

-In

Indi

a -

--

--

1874

6822

2515

5500

0-

-125

0To

tal

- -

--

- 18

7468

2225

1555

000

--1

250

Link

ed P

lan

- Mon

ey P

lus

1

In In

dia

- -

--

- 12

808

1346

3650

00-

1639

2250

0To

tal

- -

--

- 12

808

1346

3650

00-

1639

2250

0Li

nked

Pla

n - C

hild

For

tune

Plu

sIn

Indi

a -

--

--

1303

527

0421

5000

-15

0375

662

Tota

l -

--

--

1303

527

0421

5000

-15

0375

662

Link

ed P

lan

- Mar

ket P

lus 1

In In

dia

- -

--

- 47

5048

1537

3720

00-

6674

6472

5

Tota

l -

--

--

4750

4815

3737

2000

-66

7464

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Link

ed P

lan

Flex

i Plu

sIn

Indi

a -

---

- -

800

1816

5000

0--

1479

4000

Tota

l -

--

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800

1816

5000

0-

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4000

Link

ed P

lan

- Hea

lth P

lus #

In In

dia

- -

--

- 64

702

2568

0330

000

-69

3608

400

Tota

l -

--

--

6470

225

6803

3000

0-

6936

0840

0

175

64th

ANNUAL REPORT

Tab

le N

0. 4

Fo

rm D

D

Sta

tuto

ry S

tate

men

ts re

gard

ing

polic

ies

New

life

insu

ranc

e bu

sine

ss in

resp

ect o

f whi

ch a

pr

emiu

m h

as b

een

paid

dur

ing

the

year

202

0-20

21To

tal l

ife in

sura

nce

busi

ness

in fo

rce

at t

he e

nd o

f the

yea

r 31

.3.2

021

Num

ber o

f po

licie

sSu

m A

ssur

ed/N

COCo

nsid

erat

ion

for

Annu

itie

sSi

ngle

Prem

ium

sYe

arly

Re

new

al

Prem

ium

Num

ber o

f Po

licie

sSu

m in

sure

d w

ith

Bonu

ses

and

An

nuit

ies

per

annu

m

C ons

ider

atio

n

for A

nnui

ties

Prem

ium

inco

me

for w

hich

cre

dit

has

been

take

n in

the

Rev

enue

Acc

ount

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

(9)

(10)

Link

ed P

lan

- Hea

lth P

rote

ctio

n P

lus #

In In

dia

- -

- -

-87

518

3423

2424

000

-37

5239

681

Tota

l -

- -

--

8751

834

2324

2400

0-

3752

3968

1Li

nked

Pla

n -Je

evan

Sat

hi P

lus

In In

dia

- -

- -

-15

3225

2120

000

-19

0065

00To

tal

- -

- -

-15

3225

2120

000

-19

0065

00Li

nked

Pla

n -W

ealth

Plu

sIn

Indi

a -

- -

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--

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l -

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- -

--

Link

ed P

lan

- End

owm

ent P

lus

In In

dia

- -

- -

- 23

9674

2268

8225

000

- 42

2455

492

Tota

l -

- -

--

2396

7422

6882

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0-

4224

5549

2Li

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Pla

n - P

ensi

on P

lus

In In

dia

- -

- -

- 26

305

- -

3505

8006

7To

tal

- -

- -

- 26

305

- -

3505

8006

7Li

nked

Pla

n - S

amrid

hi P

lus

In In

dia

- -

- -

- 20

4983

1854

7395

000

- -11

697

Tota

l -

- -

--

2049

8318

5473

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Pla

n - N

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men

t Plu

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68

174

2293

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- 17

5673

7724

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l 13

363

400

6530

000

--

400

6530

00

6817

422

9340

9000

0-

1756

7377

24Li

nked

Pla

n - N

ives

h Pl

us /

SIIP

In In

dia

7665

028

9377

2300

0-

6335

1700

00 17

9920

8000

75

287

2760

6748

000

- 73

0926

1501

Tota

l 7

6650

28

9377

2300

0 -

6335

1700

00 17

9920

8000

75

287

2760

6748

000

- 73

0926

1501

UK

- Li

nked

Out

of I

ndia

1842

4045

7221

2382

43 3

9678

594

-28

771

8789

321

- 76

1306

04To

tal

18

4240

4572

2123

8243

396

7859

4 -

287

7187

8932

1-

7613

0604

Pens

ion

In In

dia

--

--

-14

8418

221

6660

5071

3-

5806

0165

56

Out

of I

ndia

- -

--

- 16

066

0408

6-

-To

tal

--

- -

1484

342

2167

2654

799

5806

0165

56

Grou

p In

sura

nce

Polic

ies

( in

cl. S

ocia

l Se

curit

y)31

322

308

5280

3839

31

- 3

3647

7997

419

461

6991

3150

14

3607

1577

1835

1539

88

- 3

9184

0458

174

Tota

l31

322

308

5280

3839

31

- 3

3647

7997

419

461

6991

3150

14

3607

1577

1835

1539

88

- 3

9184

0458

174

Grou

p An

nuity

Con

trac

ts e

tc.

473

798

2213

400.

92

766

6742

3723

0 8

7921

6506

793

527

9351

0929

20

366

950

3556

0377

.86

416

6919

8907

70.12

9

5723

5726

692

Tota

l47

3 7

9822

1340

0.92

7

6667

4237

230

879

2165

0679

3 5

2793

5109

29

2036

6 9

5035

5603

77.8

6 4

1669

1989

0770

.12

957

2357

2669

2

Link

ed B

usin

ess (

G +)

--

--

-29

224

2668

511

- 2

7467

398

Tota

l-

--

--

31 2

2426

6851

1 -

274

6739

8

** O

rdin

ary

Polic

ies

indi

cate

Indi

vidu

al In

sura

nces

#

In c

ase

of Je

evan

Aro

gya,

Hea

lth P

lus

and

Hea

lth P

rote

ctio

n Pl

us p

lans

figu

res

in S

A co

lum

n in

dica

te M

ajor

Sur

gica

l Ben

efit (

MSB

)

176

64th

ANNUAL REPORT

Table No.5

LIFE FUND, TOTAL SURPLUS, SHARE OF SURPLUS TO GOVT. AND TAXES PAID

(` in crore)

Year Life Fund ValuationSurplus

(Life)

SurplusRetained

5% Share paid toCentral Govt.Life Business

100% Share paid to Central Govt.CRAC Business

Taxes (incld. S.T.) Paid to Government

(Life)

2018-2019 2828320.12 53211.91 - 2660.60 2.50 10923.19

2019-2020 3114496.05 53954.86 - 2697.74 1.99 10225.24

2020-2021 3436686.27 57780.20 - 2889.01 2.58 10674.70

* Previous year's figures are regrouped wherever necessary

2700

2400

2100

1800

1500

1200

900

2017-18 2018-19 2019-20

5% Share (Life Business) paid to Central Government(` in crore)

2828320

2018-2019

3114496

2019-2020

3436686

2020-2021

2661

2018-2019

2698

2019-2020

2889

2020-2021

Life Fund(` in crore)

3300000

3000000

2700000

2400000

2100000

1800000

1500000

1200000

900000

3600000

2700

2400

2100

1800

1500

1200

900

2017-18 2018-19 2019-20


2828320

2018-2019

3114496

2019-2020

3436686

2020-2021

2661

2018-2019

2698

2019-2020

2889

2020-2021


3300000

3000000

2700000

2400000

2100000

1800000

1500000

1200000

900000

3600000

177

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ANNUAL REPORT

2700

2400

2100

1800

1500

1200

900

2017-18 2018-19 2019-20


2828320

2018-2019

3114496

2019-2020

3436686

2020-2021

2661

2018-2019

2698

2019-2020

2889

2020-2021


3300000

3000000

2700000

2400000

2100000

1800000

1500000

1200000

900000

3600000

2700

2400

2100

1800

1500

1200

900

2017-18 2018-19 2019-20


2828320

2018-2019

3114496

2019-2020

3436686

2020-2021

2661

2018-2019

2698

2019-2020

2889

2020-2021


3300000

3000000

2700000

2400000

2100000

1800000

1500000

1200000

900000

3600000

INVESTMENTS AS AT 31ST MARCH, 2021

Table NO. 6 (` in crore)

Investment in India

Loan 120226.72

Securities 3518104.16

Money Market Investments 33155.57

TOTAL (in India) 3671486.45

Investment out of India

Loan 169.67

Securities 4442.92

Money Market Investments 71.27

TOTAL (out of India) 4683.86

GRAND TOTAL (in India & Out of India) [GROSS] 3676170.31

TOTAL INVESTMENTS: 2020-2021

Loan

` 120396.39 Crore

(3.28%)

Other Investments

` 33226.84 Crore

(0.90%)

Securities Loan Other Investments

Securities

` 3522547.08 Crore

(95.82%)

178

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ANNUAL REPORT

INVESTMENT INFRASTRUCTURE ANDSOCIAL SECTOR 2020-2021

Other Infrastructure

` 11272.78 Crore

(42.82%)

Power

` 11380.40 Crore

(43.24%)

Housing

` 3669.72 Crore

(13.94%)

Total Investments

` 26322.90 Crore

Table No. 7

SectorAmount Advanced during 2020-2021

(` in Crore)

1. Power 11380.40

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. 3669.72

3. Irrigation/ Water Supply /Sewerage Schemes -

4. Road & bridges/SRTC 4101.92

5. Other Infrastucture 7170.86

TOTAL 26322.90

INVESTMENTS DURING THE YEAR IN LOANS/DEBENTURES/ EQUITY IN VARIOUS ENTITIES FOR INFRASTRUCTURE & SOCIAL PURPOSE

179

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ANNUAL REPORT

APPENDIX -1SENIOR EXECUTIVES OF THE CORPORATION AS ON 31.03.2021

SHRI KUMAR M RCHAIRMAN

Shri ANAND VIPINMANAGING DIRECTORShri RAJ KUMARMANAGING DIRECTOR

Shri GUPTA MUKESH KUMARMANAGING DIRECTORShri MOHANTY SIDDHARTHAMANAGING DIRECTOR

Shri Shashikumar H SCEO (HAMC), CO, MumbaiShri Nagnyal K S ED (P & GS), CO, Mumbai

Shri Nallakuttalam SDirector, ZTC, ChennaiShri Vikas Rao CZM (I/C), ZO, Mumbai

Shri Kumar RakeshDirector, MDC, Mumbai

Shri Mohanty D PED (AUDT), CO, Mumbai

Shri Kumar RakeshCEO (CARD), CO, Delhi

Smt Jain RenuDirector, ZTC, Gurgaon

Smt Ipe MiniZM (I/C), ZO, Hyderabad

Smt Subramanian RenukaED (CRM/CLMS/ANNUITIES), CO, Mumbai

Shri Patnaik B CSecy. Genl. (ECOI), CO, Mumbai

Shri Bhagat Dinesh KZM (I/C), ZO, Delhi

Kum Koul Naveen ED (LEGAL), CO, Mumbai

Smt Chandra NirupmaED (HRD/OD), CO, Mumbai

Shri Mokashi S NED (INVR), CO, Mumbai

Shri Mukherjee AED (CP/NPRJ), CO, Mumbai

Kum Seth Ena Director, ZTC, Bhopal

Smt Garg Sarita ED (IT/BPR), CO, Mumbai

Shri Nadkarni S SED (E&OS), CO, Mumbai

Shri Nanda HED (IT/SD), CO, Mumbai

Shri Sangam P KED (ENGG), CO, Mumbai

Shri Muraleedharan PED (MKTG/PDEV/SBA), CO, Mumbai

Shri Pangtey Dinesh KCEO (AMC), CO, Mumbai

Shri Jain P KED (SUBS), CO, Mumbai

Shri Rajivan Nair KED (CC), CO, Mumbai

Shri Sinha N PZM (I/C), ZO, Kolkata

Shri Masil Jeyamohan PED (INVM/IPO CELL), CO, Mumbai

Shri Gupta AnilADDL. Director, ZTC, Gurgaon

Shri Kadiresan KZM (I/C), ZO, Chennai

Shri Kumar MahendraZM (I/C), ZO, Patna

Shri Chand ParkashZM (I/C), ZO, Bhopal

Shri Kumar PraveenADDL. EXEC. DIR (NB&RI), CO, Mumbai

Smt Panwar PritiChief EXEC. (PENF), CO, Mumbai

Shri Verma SanjayED (RTI), CO, Mumbai

Shri Behera SDirector, ZTC, Jamshedpur

Smt Kher P ED (PERS), CO, Mumbai

Shri Anand A KED (INVO), CO, Mumbai

Shri Kher S PChief Exec. (HFSL), CO, Mumbai

Shri Rastogi SanjayaED (MBAC), CO, Mumbai

Smt Ghosh Pompa ED (LIASN), CO, Delhi

180

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ANNUAL REPORT

Shri Balagopal VDirector, ZTC, Hyderabad

Shri Mishra B SED (CLIA), CO, Mumbai

Shri Azeezuddin MDED (MINS), CO, Mumbai

Smt Rao Rama SavithriDirector, ZTC, Pune-Akurdi

Shri Sharma A KZM (I/C), ZO, Kanpur

Shri Singh RatikantaDirector, ZTC, Kolkata

Shri Dasgupta PED (DMKT), CO ,Mumbai

Shri S. VenkateswarluCVO, CO, Mumbai

Shri Mishra P KCE (ENGG), CO, Mumbai

Shri Suman R KCE (ENGG), ZO, Delhi

Shri Mallick Pravat KumarCE (ENGG), ZO, Mumbai

Shri Samal PRM (MKTG), ZO, Mumbai

Shri Grover AChief (ER-D), CO, Mumbai

Shri Dubey R KChief (PERS), CO, Mumbai

Shri Gupta R PFM, NIA, Pune

Shri Shamsunder L KRM (MKTG), ZO, Hyderabad

Shri Dwivedi PGenl. Manager (HFL), CO, Mumbai

Shri Kemmu M KRM (P&GS), ZO, Kolkata

Shri Gowd Viswanatha YCEO (HFL), CO, Mumbai

Shri Kumar KamalRM (MKTG), ZO, Delhi

Shri Kundu ArupCE (ENGG), ZO, Bhopal

Shri Mahapatra RFM, ZTC, Kolkata

Shri Mishra P RChief (INVO), CO, Mumbai

Shri Kaul SatishRM (P&IR), ZO, Kanpur

Smt Verma VidhuED (B/RC/GJF), CO, Mumbai

Shri Gupta RajivED (CRM/PS), CO, Mumbai

Shri Singh YogendraED (HINS), CO, Hyderabad

Smt Soman S S ED (F&A), CO, Mumbai

Shri Jain S MCEO (CARE), CO, Mumbai

Smt Padmavati Y V ED (SBUIO), CO, Mumbai

Shri Srivastava ADirector, ZTC, Agra

Shri Kumar Anil JVice Principal, ZTC, Chennai

Shri Elango SCE (ENGG), ZO, Chennai

Shri Mittal N KChief (F&A), CO, Mumbai

Shri Dixit SanjayRM (ESTATES), ZO, Mumbai

Shri Lahiri AChief (INVM), CO, Mumbai

Shri Thakur S KMD & CEO (FGN), Bahrain

Shri Singh R PChief (P&GS), CO, Mumbai

Shri Sen JGENL. Manager (HFL), CO, Mumbai

Shri Unhelkar B KChief (I/C)(INSP) & CHIEF (IPO CELL), CO, Mumbai

Ms. Gauba Harleen RM (ESTATES), ZO, Mumbai

Shri Tapan ArandharaRM (P&GS), ZO, Delhi

Shri Wanwar G SChief (RTI), CO, Mumbai

Shri Behara BVice Principal, ZTC, Jamshedpur

Shri Thakur SCE (ENGG), ZO, Kolkata

Shri Pradhan BRM (CRM), ZO, Kanpur

Shri Bardoloi Dipak KumarGenl. Manager (HFL), CO, Mumbai

Smt Purushottam Anju RM (E&OS), ZO, Hyderabad

181

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ANNUAL REPORT

Shri Ghai AshwaniChief (INVO), CO, Mumbai

Shri Nayak SRM (HFL), RO, Kolkata

Smt Rangarajan NFM, ZTC, Chennai

Shri Navani UdaykumarRM (HFL), RO, Chennai

Shri Chakrapani JRM (MKTG), ZO, Chennai

Shri Ramakrishnan T SGenl. Manager (HFL), CO, Mumbai

Shri Jagannnath MRM (MKTG), ZO, Bangalore

Smt Duggal A RM (OS), ZO, Mumbai

Shri Kumaresan PChief (MKTG), CO, Mumbai

Shri Kumar AshokCE (ENGG), ZO, Patna

Shri Mishra RabinarayanRM (ESTATES), ZO, Kolkata

Shri Sachdev RChief (OS), CO, Mumbai

Shri Kumar PRM (HFL), RO, Bhopal

Kum Khare Rachna Chief (CRM/PS), CO, Mumbai

Shri Vishwanath SChief (Estates), CO, Mumbai

Shri Doraiswamy RChief (IT/SD), CO, Mumbai

Shri Dasgupta ARM (MKTG), ZO, Kolkata

Shri Thiruvenkatachari SChief (CRM/CLAIMS), CO, Mumbai

Shri Sudhakar RChief (INVO), CO, Mumbai

Shri Jha R KGenl. Manager (AMC), CO, Mumbai

Shri Venkataramanan G. RM (CRM), ZO, Chennai

Shri Pattanaik D PChief (B/RC/GJF), CO, Mumbai

Shri Pandey TableshChief (P&GS/ACGC), CO, Mumbai

Shri Singh JaspalRM (HFL), RO, Delhi

Shri Kumar DeepakGenl. Manager (HFL), CO, Mumbai

Shri Chaturvedi M CDirector (COI ), CO, Mumbai

Shri Jha VRM (HFL), RO, Bangalore

Ms. Prasad Malika RM (P&IR), ZO, Mumbai

Smt Rao UmaRM (P&IR), ZO, Hyderabad

Shri Meena L CRM (CRM), ZO, Mumbai

Shri Palani BCE, ZTC, Chennai

Shri Rajnikanth RFM, NIA, Pune

Shri Kumar GulshanCE (ENGG), ZO, Kanpur

Shri Dhar PRM (E&OS), ZO, Chennai

Shri Bhanoo Sat PalChief (MKTG/SBA), CO, Mumbai

Shri Acharya BRM (CRM), ZO, Kolkata

Ms. Shekhar PramilaRM (OS), ZO, Delhi

Shri Kumar Ravi RM (P&IR), ZO, Delhi

Shri Mallick T RRM (P&GS), ZO, Mumbai

Shri Kumar AjayRM (MKTG), ZO, Bhopal

Shri Kumar ShrawanRM (P&IR), ZO, Kolkata

Shri Gill Gajraj SinghRM (HFL), RO, Lucknow

Kum Prabhakaran GChief (SUBS/IPO CELL), CO, Mumbai

Shri Buch H MChief (P&GS), CO, Mumbai

182

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ANNUAL REPORT

Smt Sridhar Seema Chief (INVM), CO, Mumbai

Shri Jaipuria PRM (ESTATES), ZO, Delhi

Shri Kumar AshokRM( E&OS), ZO, Patna

Shri Ailawadi R KRM (P&IR), ZO, Bhopal

Smt Sharma A RM (E&OS), ZO, Kanpur

Shri Tolia J SRM (MKTG), ZO, Mumbai

Shri Verandani G DRM (CRM), ZO, Bhopal

Shri MahtabuzzamanRM (OS), ZO, Kolkata

Shri Govindaraju MGenl. Manager (AMC), CO, Mumbai

Shri Varughese John PChief (F&A), CO, Mumbai

Shri Satpathi S NRM (E&OS), ZO, Bhopal

Shri K R AshokChief (ACTL/ACGC), CO, Mumbai

Shri Negi P SChief (IT/SD), CO, Mumbai

Shri Srivastava VineetCE (ENGG), ZO, Hyderabad

Shri Khora R CRM (HFL), RO, Patna

Shri Krishna Kumar SRM (CRM), ZO, Hyderabad

Shri Ghoshal SubrataRM (HFL), RO, Mumbai

Shri Tikku KRM (MKTG), ZO, Kanpur

Shri Sarkar AChief (IT/BPR), CO, Mumbai

Shri Shridhar PRM (P&IR), ZO, Chennai

Smt Bagga ManjuRM (CRM), ZO, Delhi

Shri Gupta AdityaRM (MKTG), ZO, Patna

Shri Majhi BRM (P&IR/CRM), ZO, Patna

Shri Pant DineshAptd Actuary & Chief (I/C)(Actl), CO, Mumbai

183

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ANNUAL REPORT

MEMBERS OF ZONAL ADVISORY BOARD (AS ON 31.03.2021)

CENTRAL ZONEShri M R Kumar, Chairman Shri Sandeep Mukherjee Shri Shyamrao Ambedkar Smt Indira Tripathi Shri Rakesh Singh Rathore Dr. Juhi Kamakoty Shri Ajay Tulsiyan Shri Manish Gupta Dr. Sandhya Verma Ms Archna Goyal Shri Manish Kumar Soni Shri Parkash Chand, Zonal Manager, Ex-Officio Member

EASTERN ZONEShri M R Kumar, Chairman Dr. Paramita Roy Shri Tirtha Sankar Hansda Shri Surajit Dutta Shri Dhiraj Mohan Ghosh Shri Vikash Tuwani Dr. Sankar Prasad Bhattacharya Shri Sujit Kumar Ghosh Shri Iqbal Hussain Shri Gautam Saha Dr. Bishnu Prasad Sarmah Shri N P Sinha, Zonal Manager, Ex-Officio Member

EAST CENTRAL ZONEShri M R Kumar, Chairman Shri Jitendra Kumar Agarwal Dr Shanti Swaroop Sharma Shri Anup Kumar Sinha Dr. Damodar Kejriwal Dr. N. K. Behera Ms. Manisha Kumari Shri Sunil Kumar Daruka Shri Subhash Mahapatra Shri Kanhu Charan Panda Dr. Sunita Sahay Shri Mahendra Kumar, Zonal Manager, Ex-Officio Member

NORTH CENTRAL ZONEShri M R Kumar, Chairman Shri Nitesh Kumar Gupta Dr. Saghir Ahmad Dr. Kirtika Agarwal Dr. Manish Sharma Dr. S N Uniyal Shri Chitranjan Mishra Shri Bhupendra Singh Pangtey Ms Pooja Jain Dr. Vibhuti Rai Shri Rajeev Gupta Shri A K Sharma, Zonal Manager, Ex-Officio Member

NORTHERN ZONEShri M R Kumar, Chairman Shri Vinay Vohra Shri Dilip Singh Dr. Padmja Sharma Shri Sumit Taluja Shri Manoj Kumar Munjal Shri Prakash Chand Thakur Shri Syed Kifayat Hussin Razvi Dr. Rajnish Saxena Shri Rajiv Khosla Shri Sunil Dutt Vyas Shri Anoop Kumar, Zonal Manager, Ex-Officio Member

SOUTH CENTRAL ZONEShri M R Kumar, Chairman Ms. Usha Prabha Nayak Shri K Sivarama Kumar Shri S Thiagarajan Shri R Rajagopalan Shri D R Prasada Raju Shri K G Jairam Shri D V Dhadoti Dr. S Devasena Shri D Srihari Shri V Rajasekhar Rao Smt Mini Ipe, Zonal Manager, Ex-Officio Member

SOUTHERN ZONEShri M R Kumar Chairman Shri B Madan Mohan Shri C A Velmurugan Shri Sunil Kumar V Dr. Seethalekshmi Ammal M Prince Thekkan Shri K Lakshmana Kumar Dr. N. Shanmuga Sundaram Shri M Kanaga Sabapathy Shri S N Radhuchandran Nair Shri V P Annadurai Shri K Kadiresan, Zonal Manager, Ex-Officio Member

WESTERN ZONEShri M R Kumar, Chairman Shri Bharat B Patel Dr. Roshankumar M Bhigania Prof. Girish Bhimani Dr. (Smt.) Kirtee P Kulkarni CA Ananda N Sankpal Shri Bipinbhai M Shah Smt Chitra P Kshirsagar Shri Munish R Sharma Shri Prashant Mali Shri Upendra L Khapare Shri C Vikas Rao, Zonal Manager, Ex-Officio Member

184

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ANNUAL REPORT

MEMBERS OF THE POLICYHOLDERS’ COUNCIL

CENTRAL ZONEBHOPAL DIVISION Mr. De Debashis, SDM Dr. Amarjeet Singh Khalsa Mr. Aditya Raj Modi Ms. Preetima Shrivastava Mr. Shyam Rao Ambedkar Mr. R N Chaturvedi

BILASPUR DIVISION Mr. S K Anand, SDM Mr. Ashok Rao Kadam Mr. Naresh Kumar Arora Mr. Roop Chand Choudhary Ms. Sumita Khande Mr. Dilip Agrawal

GWALIOR DIVISION Mr. Jolly Rajeev, SDM Mr. Gopi Mandhan Ms. Lalita Phalke Dr. Thomas Mr. S K Jain Mr. Abhay Agarwal

INDORE DIVISION Mr. Prakash Sinha, SDM Ms. Jyoti Tiwari Ms. Sushma Dubey Mr. Rahul Neema Mr. Rajendra Kale Mr. Dharmraj Jarwal

JABALPUR DIVISION Mr. Ashok Kumar, SDM Ms. Babita Verma Mr. Rakesh Khandelwal Dr. Shyam Ji Rawat Mr. Manish Kumar Mishra Mr. Teerath Singh Maravi

RAIPUR DIVISION Mr. G K Jena, SDM Dr. LunicYadu Mr. Rupesh Jain Mr. G K Chhangani Mrs. Manjula Livingstone Mr. Aman Agrawal

SATNA DIVISION Mr. Alok Gupta, SDM Mr. Shankar Dutta Shukla Dr. (Mrs) Pratibha Dubey Mr. Pradeep Tamrakar Mr. S L Prajapati Mr. Manohar Digwani

SHAHDOL DIVISION Mr. Jariyal Rosan Lal, SDM Mr. Surya Prakash Gupta Mr. Pushpendra Kumar Gautam Mr. Rajgopal Rajeshwar Mrs. Sapna Dwivedi Mr. Umashankar Kol

EASTERN ZONEASANSOL DIVISION Mr. Manoranjan Das, SDM Mr. Koushik Pathak Mr. Murli Mohan Hansda Ms. Srabani Bhattacharyya Mr. Pannalal Mallick Mr. Gourav P Puria

BARDHAMAN DIVISION Mr. Jaya Prakash Babu D, SDM Mr. M Mukhopadhyay Mr. Arindam Sinha Dr. Shamik Dey Mrs. Neha Agarwal Mr. Chandan Halder

BONGAIGAON DIVISION Mr. Bijay Kumar Panda, SDM Mr. Dilip Narzary Mr. Hareswar Das Mr. Satyendra Das Mrs. M G Choudhury Mr. Abdul Mannan

GUWAHATI DIVISION Mr. B Das, SDM Mr. Sukumar Saha Mr. Ajaydeep Das Mr. Paresh Malakar Dr. Namita Sarma Mr. Ashim Sinha

HOWRAH DIVISION Mr. Gaurab Chand, SDM Mrs. Prerana Dokania Mrs. Antara Naskar (Sarkar) Mr. Subrata Mondal Mr. Amit Pachal Mr. Anand Prakash Pandey

JALPAIGURI DIVISION Mr. N Bhutia, SDM Ms. Lipika Biswas Dutta Dr. Krishna Chandra Deb Ms. Supali Chakraborty Dr. Pradip Kundu Mr. Peter Lepcha

JORHAT DIVISION Mr. P Mishra, SDM Mrs. Chandanani Barua Mr. Someswar Barhoi Dr. Pinaki Sengupta Mr. Paresh Phukon Mr. Sanoy Das

KHARAGPUR DIVISION Mr. Devkanta Padhi, SDM Dr. Barnali Ghosh Mr. Subimal Basak Mr. Shyamal Banerjee Mr. Sukhbir Singh Atwal Mr. Apurba Garai

KOLKATA METRO DIVISION I Mr. M R Sahoo, SDM Mr. Manabendra Kundu Mrs. Sypriya Singh Dr. Amitava Muzumdar Mr. Dibyendu Dutta Mrs. Rekha Sarkar

KOLKATA METRO DIVISION II Mr. N Bose, SDM Mr. Birendra Shaw Mrs. Indrani Mitra Mr. Soumen Dutta Dr. Ujjwal Mukherjee Mr. Arindam Roy

KOLKATA SURBURBAN DIVISION Mr. A Chatterjee, SDM Dr. Debalina Bhahma Mr. Ananda Mohan Mandal Dr. Subhash Ch. Roy Mr. Arijit Pal Mr. Anjan Kr. Karmakar

SILCHAR DIVISION Mr. M Ghora, SDM Mr. S S Bhattacharya Mrs. Elizabeth Singson Mr. Kalloi Mohanta Mr. Paban Chandra Deb Mr. Virendra Kumar Jain

EAST CENTRAL ZONEBEGUSARAI DIVISION Mr. B P Dash, SDM Mr. Bikash Mr. Ranjit Kr. Agrawal Mr. Amit Poddar Mrs. Jipsi Kumari Mr. Birendra Kr. Sinha

BERHAMPUR DIVISION Mr. S P Parichha, SDM Mr. Chittaranjan Das Mr. N Udaya Kumar Mr. Santosh Kumar Sahu Ms. Mamata Nayak Mr. Kumuda Chandra Mishra

BHAGALPUR DIVISION Mr. M Panda, SDM Mr. Rajeev Kant Mishra Dr. Rakesh Raushan Mr. Abhishek Kumar Mrs. Anita Sharma Mr. Prakash Paswan

BHUBANESHWAR DIVISION Mr. Akshay Kumar Sahoo, SDM Mr. Subrat Rout Mrs. Snehalata Rout Mr. Soumendra Das Mr. Prafulla Ku. Sarangi Mr. Pradeep Ku. Nayak

185

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ANNUAL REPORT

CUTTACK DIVISION Mr. A K Routray, SDM Mrs. Diptimayee Nanda Mr. Lalitendu Mishra Mr. Naushad Hazari Mr. S S C Pattanaik Mr. Atulya Bhoi

HAZARIBAGH DIVISION Mr. S N Panda, SDM Dr. Sujay Samanta Ms. Sima Goreti Tirkey Mr. Somnath Pruthi Mr. Indra Deo Dangi Mr. Rajlal Mahto

JAMSHEDPUR DIVISION Mr. M K Panda, SDM Mrs. Arpita Chatterjee Mr. Buddha Deo Giri Mr. Vivek Bharati Mr. Maqsud Ali Mr. Dhanu Majhi

MUZAFFARPUR DIVISION Mr. S Kumar, SDM Mr. Ganwant Kumar Mallik Mrs. Mohini Kumari Mr. Vijay Kumar Chaudhary Mr. Mukesh Kumar Mrs. Sunita Saraf

PATNA DIVISION I Mr. S Gupta, SDM Mr. Avinav Kumar Verma Mrs. Deepika Jha Mr. Kumar Abhijeet Dr. Amit Kumar Mr. Zeyaul Hoda

PATNA DIVISION II Mr. S K Samantaray, SDM Mr. Subodh Kumar Nandan Dr. Hema Naqvi Mr. Amit Kumar Jha Mr. Vishal Jain Mr. Kusheshwar Das

SAMBALPUR DIVISION Mr. B L Das, SDM Mr. Ashok Kumar Panigrahi Dr. Narendra Kumar Behera Mrs. Bhawana Lath Prof. Dr. Amar Mishra Mr. Dolamani Kandher

NORTHERN ZONEAJMER DIVISION Mr. S S Chaplot, SDM Mr. Abhishek Bermecha Dr. Rajeev Jain Ms. Renu Sharma Mr. N L Pawan Mr. Rohit Choudhary

AMRITSAR DIVISION Mr. Harvinder Singh, SDM Mrs. Ruhina Sharma Mr. Suraj Gupta Mr. Deepak Duggal Mr. Mahender Pal

Mr. R K Mahajan

BIKANER DIVISION Mr. P C Mishra, SDM Mr. Azad Kumar Purohit Mr. Ajay Singh Bhatnagar Ms. Anuradha Pareek Mr. Mahadev Prasad Middha Mr. Om Prakash

CHANDIGARH DIVISION Mr. J Kumar, SDM Mr. Shivdev Deol Ms. Sonia Arora Dr. Gunjan Mehta Mr. Manmohan Singh Mr. Akshay Jain

JAIPUR DIVISION I Mr. S R Meena, SDM Mr. Amit Aggarwal Dr. Ram Lal Punia Dr. (Mrs.) Manisha Patni Mr. Prashant Mantri Mr. Hari Ram Sogan

JAIPUR DIVISION II Mr. G P Meena, SDM Mr. Basant Bahar Dr. Sheenu Jain Mr. Ashok Kr. Shukla Mr. Vijay Kr. Gupta Mr. Raju Aggarwal

JALANDHAR DIVISION Mr. K Singh, SDM Dr. Ajay Sareen Ms. Angelina J Brar Dr. Devinder Kaur Mr. Surinder Khanna Mr. Puneet Grover

JODHPUR DIVISION Mr. Niraj Srivastava, SDM Dr. Shweta Jha Dr. Bhanu Partap Trivedi Mr. Ankit Jain Mr. Kamlesh Rathore Mr. Vinod Kr. Johri

KARNAL DIVISION Mr. Vivek Sharma, SDM Mr. Sandeep Kumar Bharti Mr. Om Pal Singh Mr. Vikrant Aggrwal Mr. Arvind Garg

Ms. Versha

LUDHIANA DIVISION Mr. G Lal, SDM Mr. Mohit Grover Mr. Munish Thapar Ms. Pooja Chatly Mr. Ravi Deep Singh Dr. Adarsh Kumar

DELHI DIVISION I Mr. L P Pipil, SDM Mr. Munish Seth Mr. Parveen Garg Pt. Vishwanath Dr. Braj Veer Singh Mrs. Satnam Ratti Kapoor

DELHI DIVISION II Mr. Dharam Pal, SDM Mr. Mukesh Chand Vashisht Mr. Shrichand Mr. Arun Gupta Mr. Jagdish Chander Verma Mrs. Shashi Bhati

DELHI DIVISION III Mr. Sandeep Kumar, SDM Mr. Ajay Fatyal Mr. Tarun Gandhi Mr. Sunny Kumar Ms. Lakshmi Krishnan Mr. Ishwar Dass

ROHTAK DIVISION Mr. D M Mital, SDM Mr. Vikram Prabhakar Mr. Naresh Bhardwaj Mr. M L Grover Mrs. Renu Sharma Mr. Jai Bhagwan Solanki

SHIMLA DIVISION Mr. A Razdan, SDM Mr. Sanjeev Bhaghla Mr. Kuldeep Singh Guleria Mr. Sanjeev Gandhi Mr. Hari Narayan Cheetu Ms. Satya Devi

SRINAGAR DIVISION Mr. Sat Paul, SDM Mrs. Asmat Yaseen Mr. Kartar Chand Mr. Charanjit Singh Mr. Najmu Sakib Mr. Arjun Singh Wazir

UDAIPUR DIVISION Mr. O P Jilowa, SDM Ms. Madhu Sareeen Mr. Raj Mal Ostwal Mr. Rajiv Murdia Mr. Pawan Roat Mr. Rakesh Jhanwar

186

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ANNUAL REPORT

NORTH CENTRAL ZONEAGRA DIVISION Mr. S K Ratan, SDM Ms. CA Deepika Mittal Mr. Mukesh Kumar Gupta Dr. Ashish Kumar Garg Mr. Surendra Kumar Mr. Thakurendra Singh

ALIGARH DIVISION Mr. J S Chauhan, SDM Mr. Vishnu Dayal Sexena Dr. Rajesh Kumar Dr. Brajesh Kumar Mr. Rajeev Kumar Varshey Ms. Poonam Bajaj

ALLAHABAD DIVISION Mr. R K Singh, SDM Mr. Ramakant Mr. Thakur Azad Singh Ms. Nalini Singh Mr. Madan Lal Mr. Amit Neogy

BAREILLY DIVISION Mr. Yangjor, SDM Mr. Dinesh Kohli Dr. J P S Sethi Mr. Dharam Pal Singh Mr. Sanjay Kumar Katara Ms. Dalima Agarwal

DEHRADUN DIVISION Mr. Puneet Kumar, SDM Mr. Raj Kumar Mr. Rajneesh Kumar Gupta Mr. Rajeev Bhateja Dr. Rasmi Murab Mr. Mohammed Shafique Khan

FAIZABAD DIVISION Mr. M Atrishi, SDM Dr. Anil Kumar Singh Mr. Shailendra Kumar Pandey Dr. R K Dwivedi Dr. Ranju Banaudha Mr. Ram Bahadur Singh

GORAKHPUR DIVISION Mr. Hari Permendra, SDM Mr. Chandan Chaurasia Mr. Ajay Kumar Pandey Mr. Subodh Kumar Singh Ms. Rashmi Kiran Devi Mr. Shailendra Bahadur Singh

HALDWANI DIVISION Mr. Alok Matiman, SDM Mr. Pramod Mehta Mr. Manohar Singh Martolia Mr. Chandra Vijay Singh Bisht Ms. Geeta Sanwal Mr. Harish Chandra Kandpal

KANPUR DIVISION Mr. M R Sharma, SDM Dr. Rajendra Dr. Monika Shukla Mr. Atul Mehrotra Dr. Umesh Paliwal Dr. Sangeeta Saraswat

LUCKNOW DIVISION Mr. Rajvir Singh, SDM Mr. Sanjeev Kumar Tripathi Mr. Safia Usmani Nori Ms. Sheela Panday Mr. Anil Kumar Singh Mr. Rajesh Kumar

MEERUT DIVISION Mr. Bhagwan Singh, SDM Mr. Gautam Singh Dr. Meenu Gupta Mr. Dhan Prakash Tyagi Mr. D P Singh Tomar Dr. Siddharth Singh

VARANASI DIVISION Mr. A K Mittal, SDM Mr. Alok Mishra Mr. Manish Lohiya Ms. Asha Gupta Mr. Anil Yadav Ms. Shashi Mala

SOUTHERN ZONECHENNAI DIVISION – I

Mr. K K Bijumon, SDM Mr. R Sivakumar Mrs. U Archana Mrs. R Rajini Surrendranath Mr. Raju Arumugam Mr. Harinarayanan Gangadharan

CHENNAI DIVISION – II Mr. T Bhaskaran, SDM Dr. Poongulali S Mr. V Suresh Ms. Asha Marina S Mr. K Suryanarayanan Dr. Dinesh Kumar

COIMBATORE DIVISION Mr. M Prasannan, SDM Mr. M Vijayakumar Dr. G Suresh Mr. S Senthil Dr. L Jayanthi Dr. V Thiyagarajan

ERNAKULAM DIVISION Mr. K Vasant Kumar, SDM Mrs. V K Beena Beegom Mr. A V Jose Dr. (Mrs.) Saroja A S Dr. Seby Varghese Mr. N Pradeep Kumar

KOTTAYAM DIVISION Mr. S Srinivasa Rao, SDM Dr. Vinod Viswanathan Mr. P K Vinodkumar Dr. Sreekanth K N Dr. Bhanu Ashok Mr. Rahul S

KOZHIKODE DIVISION Mr. V S Madhu, SDM Dr. Sathish P Dr. Godwin Samraj D P Mr. Mithun Chandran Ms. Sindhu R S Mr. Ramesh Nanmanda

MADURAI DIVISION Mr. L Chendurnathan, SDM Mr. V Selvam Mr. P Radhakrishnan Dr. Shifa Babu Mr. P Kandavelu Mr. M Sivakumar

SALEM DIVISION Mr. Fazlul A Rehman, SDM Mr. V Madhukar Dr. V Radhakrishnan Mrs. R Sasikala Mr. P R Vasudevan Mr. K P Velayutham

THANJAVUR DIVISION Mr. K Venkatraman, SDM Mrs. N Raajarajeswari Dr. R Rathi Mr. K Visahan Mr. R N K Rajan Dr. R V Shivakumar

THIRUVANANTHAPURAM D.O. Mrs. Deepa Sivadasan, SDM Mr. Prince Adithya Verma Ms. Manju G Nair Mr. G Vinod Mr. K Gowthaman Nair Mr. Mahesh T S

THRISSUR DIVISION Mrs Santha Verkey, SDM Mr. K V Byju Mr. M K Paulson Dr. Stalin Raphel Mr. C Kunhunny Dr. Jaya Cherian

TIRUNELVELI DIVISION Mr. N Ramakrishnan, SDM Dr. K Thanikasalam Mr. C Selvaraj Mr. S Amuthan Mrs. Jenitha Ruben Mr. S Siva Surya Narayanan

187

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ANNUAL REPORT

VELLORE DIVISION Mr. Ramesh S Saravana, SDM Mr. A M Mani Mrs. R. Malathy Mr. C Nagappan Mr. V S Kumaran Dr. K Manivannun

SOUTH CENTRAL ZONEBANGALORE DIVISION-I Mr. G A Ramakrishna, SDM Mr. G Freddy Charles Dr. S C Sharma Mrs. Anita Bhaskaran Mr. A Ramachandrappa Mr. B Sudhaker Shenoy

BANGLORE DIVISION II Mr. Ashis Kumar, SDM Dr. K V Balasubramanya Mr. R Arunachalam Ms. Elizabeth Joseph Mr. G V Manjunatha Mrs. Gayathri K C

BELGAUM DIVISION. Mr. Ajit D Warakari, SDM Mr. Sanjeev R Deshpande Mr. Ram K Managoli Mrs. Sunita Deshpande Mr. Shashikanth S Malagatti Dr. Sanjay Kambhar

DHARWAD DIVISION Mr. M Manoharan, SDM Mr. M Y Gamangatti Mrs. Sumangala B Patil Ar. Prakash M K Dr. Prakash G Tewari Mr. Narsimha Anant Bargi

HYDERADAD DIVISION Mr. Tapan Kumar Pattanaik, SDM Mr. D Raghavendra Prasad Mrs. V Sri Chandana Dr. M Kaushik Reddy Mr. G Anandam Mr. Abbino Naveen Kumar

KADAPA DIVISION Mr. D R K R M Sivaram, SDM Mr. Vitta Satish Kumar Mrs. Mythili Bhupathi Mr. Makam Suresh Babu Mr. Ch Vamshi Krishna Mr. Ravi Kumar Kasuvu

KARIMNAGAR DIVISION Mr. V M V Rama Sastry, SDM Dr. B Madhusudhan Reddy Mr. D Niranjana Chary Mrs. Mukka Sushma Sireesha Mr. B Ramana Rao Mr. M Shankaraiah MASULIPATNAM DIVISION Mr P Suryanarayana Rao, SDM Mr. N V Durga Rao Dr. Polaiah Bojja Mr. K Ravi Teja Mrs. G Suguna Santha Kumari Dr. V R Reddy MYSORE DIVISION Mr. P Vishveshwar Rau, SDM Ms. Vyshali Hanumanth Dr. Pradeep Kumar Hebri Mr. Keshava Dongre Mr. C E Venkatesh Mr. M Ravi Kumar

NELLORE DIVISION Mr. Sundara Rajan Jagannath, SDM Mr. Ramireddy Yugandhar Reddy Mr. V Krishna Subhan Mrs. Damisetty Subhashini Dr. T Sukruthi Mr. M Balakrishna

RAJAHMUNDRY DIVISION Mr. G B V Ramaiah, SDM Mr. K V Satyaprakash Mr. Jangam Subba Rao Md. Idris Khan Mrs. Adavi K G Suchismita Mr. Vedantam Venkat Narayan

RAICHUR DIVISION Mr. K R Venkatesha Prasad, SDM Dr. Jagannath Hebbale Mr. Ramesh H. Meharwade Mr. Ishappa Mr. H Doddappa Mrs. D Lalitha

SECUNDERABAD DIVISION Mr. Raj Sekhar C, SDM Mrs. M Ramadevi Ms. Vinodh Sharma Mr. K Murali Mohan Mr. M Sridhar Rao Mr. Manda Nagesh

SHIMOGA DIVISION

Mr. T M M Jayasimhan, SDM Mr. William D’souza Mr. B G Shivamurthy Dr. (Mrs.) Sandhyakaveri K Major (Dr.) K Anjanappa Mr. Suresh T

UDUPI DIVISION Mr. Bindhu Robert, SDM

Mr. K Thammayya Naik Mr. Chidananda Bialady Dr. Yogesha K.S. Mr. Ganesh Y Mrs. Poornima Suresh Nayak

VISAKHAPATNAM DIVISION Mr.Pattanayak L K, SDM Mr. Attili M Raj Dr. D V G Sanker Rao Mrs. Singireddi Sujatha Mr. Tummidi Srinivas Pulla Kumar Mr. P Aravind

WARANGAL DIVISION Mr. S Thomas, SDM Mr. Venkata Swamy Mr. J Dharma Naik Mrs. Gundu Rani Mr. Kodam Srinivas Mr. Bathini Mohana Rao

WESTERN ZONEAHMEDABAD DIVISION Mr. R Biswas, SDM Ms. Ruzan Khambatta Mr. Shaival Upendra Bhatt Mr. Narendra C Tundiya Dr. Jayant Bharti Mr. Vishal Suhagiya

AMRAVATI DIVISION Mr Sujay Dutta, SDM Ms. Neeta Kakkad Mr. Anil T Vishwakarma Mr. Prakash Murlidharji Laddha Mr. D D Khandelwal Mr. Shantanu Sharadchandra Joshi

AURANGABAD DIVISION Mr. R S Sukhdeve, SDM Mr. (Dr.) Ramdas Sitaram Wanare Mr. (Dr.) A M Rajmane Mr. Nitin Manikchant Kotecha Mr. Anand Marotirao Mamidwar Mrs. Sangita Nilkanth Jadhav

BHAVNAGAR DIVISION Mr. Mohan Singh, SDM Mr. Sandip M Mehta Mr. Hemubhai G Gedia Mr.(Dr.) Suresh Savani Dr. Hareshbhai A Shah Mrs Matangi P Pandya

GANDHINAGAR DIVISION Mr. K R Balasubramaniyan, SDM Dr. (Ms). Lipsa Raval Mr. Kirit M Asodiya Mr. Ankur Modi Mr. Kapil Popat Mr. Hiteshkumar N Soni

GOA DIVISION Mr. Sanjay Dayal, SDM Mrs. Lalita Correia Afonso Mr. Vibhav P Nayak Mrs. Shradha D Sawant Mr. Dhananjay Redkar Ms. Shanti Maria Foonseca

188

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ANNUAL REPORT

KOLHAPUR DIVISION Mr. S B Moghe, SDM Dr. Aniruddha Ajit Bhagwat Mrs. Yogita Prasad Gulavani Prof. Ashok Krishna Chokakkar Mr. Jayant Madhukar Phadake Dr. U B Sangavadekar

MUMBAI DIVISION – I Mr. Nihar Ranjan Tripathy, SDM Mr. Rajesh More Dr. Runa Khale Mr. Anil V Tilak Mr. Pravin Chheda Mr. Mithil Sampat

MUMBAI DIVISION – II Mr. Abraham Varughese, SDM Mrs. M M Rajadhyaksha Mr. Virendra Shiv Singh Mr. Santosh Appa Pendharkar Mr. Jitendra M Kotawandekar Mrs. Shruti Niraj Dixit

MUMBAI DIVISION – III Mr. U Tarafdar, SDM Mr. Bhavik Nikhil Jasani Dr. Manthan Mehta Ms. Sujata Lad Mr. Harshad Manohar More Mr. Sunil Kadam

MUMBAI DIVISION – IV Mr. Sudhan V Harihara, SDM Dr. Girish Raut Mrs. Indira S Patkar Mrs. Smriti Podar Dr.(Mrs) Varsha Degwekar Mr. Anilkumar B Tiwari

NADIAD DIVISION Mr. Praveen Mittal, SDM Mr. Dhaneshkumar N Christian Dr. Palak Verma Triveni Mr. Girishkumar Baldevbhai Patel Mr. Haresh Ganshyambhai Joshi Mr. K C Mayavanshi

NAGPUR DIVISION

Mr. M C Joshi, SDM Mr. Ravindra Jawalkar Dr. Shantanu Pramod Jog Mrs Seema Gamankumar Lade Mr. S D Chintawar Mrs. Mangala Anil Tundurwar

NANDED DIVISION

Mr. Johar Kanwaljit Singh, SDM Mr. Nitin Kailashing Pardeshi Mr. R S Ghonsikar Mr. N D Kamble Mrs.(Dr) C G Jawade Mr. Manohar Sambhaji Ayalane

NASHIK DIVISION

Mr. S B Mishra, SDM Mr. Sunil V Amrutkar Mr. Rajendra C Shah Mr. Suresh J Jain Mr. Rohit Ramdas Gangurde Adv. Varsha V Kulkarni

PUNE DIVISION- I Mr. Barun Kumar Khan, SDM Mr. Ashok Dattatray Gadade Mr. Kailas Shrinivas Somani Mr. Lahu Kacharu Gaikwad Mrs. Geeta S Wadhwani Mr. Sagar Prakash Malpure

PUNE DIVISION- II Mr. Ashutosh Kumar, SDM Dr. (Mrs.) Jyoti Bhakare Dr. Surendra Bende Mr. Kaustubh Karve Mr. Atual Gundewar Dr. S K Patil

SSS DIVISION, MUMBAI Mr. Devojit Sanyal, SDM Mr. Prathamesh H Ladge Mr. Vaibhav Joshi Mr. Advait Ganesh Date Mr. Rajendra Rane Ms. Diksha Jogendra Singh

RAJKOT DIVISION Mr. J K Arora, SDM Mr. N S Parekh Mr. Kiren Jaysukhlal Chhapia Mr. Manish Vinaykant Doshi Mrs. Pallavi P Vyas Mr. N R Khimsuriya

SATARA DIVISION Mr. L K Verma, SDM Mr. Nilesh Shrikant Lokare Dr.(Mrs.) Vaijayanti V Shindagi Mr. Parag Anil Katdare Prof. (Dr.) P D Kulkarni Mr. Pradip Manikrao Shinde

SURAT DIVISION Mr. K G Darji, SDM Mrs. Urvi Sunilbhai Desai Mr. Samarth Ramesh Kapadia Dr. Jignesh R Bhagat Mr. Mehul Jayantilal Bhavsar Mr. Ajay K Thuthija

THANE DIVISION Mr. S Mehta, SDM Mrs. Celline Mr. Sachin Patil Mr. Jayant Phalke Mr. Vishwanath Karlad Mr. Ganesh Gopal Joshi

VADODARA DIVISION Mr. Raman Kumar, SDM Dr. Dhrumit N Gohil Mr. Parth Pathak Mr. Mahesh N Patel Ms. Sheetal A Shah Mr. Kuldeep C Panchal

189

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ANNUAL REPORT

APPENDIX-IIStatutory (Central) Auditor of the Corporation for 2020-21

S.No Name Of The Auditor/Audit Firm Location

1 M/S Todi Tulsyan & CO 602, Luv Kush Tower,

ER0043 Exhibition Road,

Patna - 800001, Bihar

2 M/S A R & CO A, 403, Gayatri Apartments,

CR3997 Plot No.27, Sector - 10,

Airlines Group Housing Society, New Delhi - 110075, New Delhi

3 M/S Ray & Ray Webel Bhavan Block-EPGP,

CA0036 Bidhan Nagar Sector-V, Salt lake, Kolkata,

Kolkata-700091, West Bengal

4 M/s Ramamoorthy (N) & co Gulshan Manzil,

HY0008 4-1-1229, Bogulkunta

Hyderabad- 500001, Telangana

5 S K Kapoor & CO 16/98, Lic Building

CR0029 The Mall,

Kanpur- 208001, Uttar Pradesh

6 Khandelwal Jain & CO 12-B, Baldota Bhavan, 5th Floor

BO0090 117, Maharshi Karve Road,

Churchgate, Mumbai 400020.

7 M/S Batliboi & Purohit 2Nd Floor, National Insurance Building,

BO0004 204, Dadabhoy Naoroji Road,

Fort, Mumbai - 400001 Maharashtra

8 A B M & Associates LLP Office No.210, Plot No. 9,

BO1440 Shah heritage, Sector 42A,

opposite Dmart Seawoods west, Navi Mumbai-400706.

9 S L Chhajed & CO LLP R-12, Maharana Pratap Nagar Zone-I

CR0100 Bhopal - 462011, Madhya Pradesh

10 R G N Price & CO Simpson Building 861,

MD0018 Anna Salai, Chennai-600002, Tamil Nadu

190


64 th

dt

191


64 th

dt

Financial Statements For the year ended

31st March, 2021

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193

64th

ANNUAL REPORT

INDEPENDENT AUDITORS’ REPORTTo Life Insurance Corporation of India

Report on the Audit of the Standalone Financial Statements

Opinion

1 WehaveauditedtheaccompanyingstandalonefinancialstatementsofLifeInsuranceCorporationofIndia("theCorporation")whichcomprise the Balance Sheet as at March 31, 2021 for Life Insurance Business, Health Business, Pension Business, Capital Redemption (including Annuity Certain), Annuity Business and Linked Business, the related Revenue Accounts (also called the “Policyholders’Account”orthe“TechnicalAccount”)fortheLifeInsuranceBusiness,HealthBusiness,PensionBusiness,CapitalRedemption(includingAnnuityCertain),AnnuityBusinessandLinkedBusiness,theProfitandLossAccount(alsocalledthe“Shareholders’Account”orthe“Non-TechnicalAccount”)andReceiptsandPaymentsAccount(alsocalledasthe“CashFlowStatement”)fortheyearthenended,andnotestothestandalonefinancialstatements,includingasummaryofsignificantaccountingpoliciesandotherexplanatoryinformationannexedthereto(hereafterreferredtoas"standalonefinancialstatements"),inwhichareincludedthereturnsof3foreignbranches(Mauritius, LondonandFiji), auditedby respective local auditors; 8DivisionalOffices, 3unitsofPension&GroupSchemesand42branchesauditedbyus, 105DivisionalOffices, 68unitsofPension&GroupSchemesand648branchesauditedbyother auditorsappointedbytheCorporationandunauditedreturnsinrespectof1352branchescertifiedbytheManagement.

2. Inouropinionandtothebestofourinformationandaccordingtotheexplanationsgiventous,theaforesaidstandalonefinancialstatementsgivetheinformationrequiredinaccordancewiththeLifeInsuranceCorporationAct,1956("theLICAct"),theInsuranceAct, 1938 ("the Insurance Act”), the Insurance Regulatory and Development Authority Act, 1999 (41 of 1999) ("the IRDA Act"), theInsuranceRegulatoryandDevelopmentAuthority(PreparationofFinancialStatementsandAuditor’sReportofInsuranceCompanies)Regulations,2002("theRegulations")inthemannersorequiredandgiveatrueandfairviewinconformitywithaccountingprinciplesgenerally accepted in India:

i. InthecaseoftheBalanceSheet,ofthestateofaffairsoftheCorporationincludingLifeInsuranceBusiness,HealthBusiness, PensionBusiness,CapitalRedemption(includingAnnuityCertain),AnnuityBusinessandLinkedBusinessasatMarch31,2021;

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 March 31,2021;

iii. InthecaseoftheProfitandLossAccount,oftheprofitoftheCorporation,fortheyearendedMarch31,2021;and

iv. InthecaseoftheReceiptandPaymentAccount,oftheReceiptsandPaymentsfortheyearendedMarch31,2021.

Basis for Opinion

3 WeconductedourauditinaccordancewiththeStandardsonAuditing(SAs)issuedbytheInstituteofCharteredAccountantsofIndia(ICAI).Ourresponsibilitiesunderthosestandardsarefurtherdescribedintheauditor’sresponsibilitiesfortheauditofthestandalonefinancialstatementssectionofourreport.WeareindependentoftheCorporationinaccordancewiththeCodeofEthicsissuedbytheICAItogetherwiththeethicalrequirementsthatarerelevanttoourauditofthestandalonefinancialstatementsundertheprovisionsoftheLICAct,InsuranceAct;IRDAAct;Regulationsandorders/circularsissuedbyInsuranceRegulatoryandDevelopmentAuthorityofIndia(“IRDA”)andwehavefulfilledourotherethicalresponsibilitiesinaccordancewiththeserequirementsandtheCodeofEthics.Webelievethattheauditevidencewehaveobtainedissufficientandappropriatetoprovideabasisforouropiniononstandalonefinancialstatements.

Emphasis of Matter

4 Weinviteattentionto:

a NoteNo.B(15C)(VII)ofSchedule15AtothestandalonefinancialstatementsregardingLiabilityonaccountofadditionalcontributionofRs.11,124.66crores,arisenduetofreshpensionoptiontoemployeesinfinancialyear2019-20,whichisbeingamortisedoveraperiodoffiveyearsfromfinancialyear2019-20inaccordancewiththeapprovalgrantedbyIRDAIvideitsletterno.101/2/F&A-Life/LIC/2018-19/208dated06-07-2020.Accordingly,anamountofRs.2,224.92croreshasbeenchargedtoRevenueAccountfortheyearendedMarch31,2021,respectivelyandbalanceamountofRs.6,674.81croresistobeamortisedovertheperioduptoMarch31,2024

b NoteNo.C(25)ofSchedule15AtothestandalonefinancialstatementsregardingtheuncertaintiesarisingoutoftheoutbreakofCOVID-19pandemic andassessmentmadeby themanagementon its business andfinancial statements, including valuationof policyliabilities.

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BZ _måbmo Ho$ gå~§Y _| h_ar am` gg§emo{YV Zht h¡&

AÝ` gyMZm

5 AÝ` gyMZmAm| Ho$ {bE {ZJ_ ~moS©> Ho$ gXñ` {Oå_oXma h¢& AÝ` OmZH$mar _| dm{f©H$ [anmoQ>© _| em{_b OmZH$mar em{_b h¡, bo{H$Z Bg_| {dÎmr` {ddaU Am¡a h_mao boIm narjH$ H$s [anmoQ>© em{_b Zht h¡& Bg boIm narjH$ H$s [anmoQ>© H$s VmarI Ho$ ~mX dm{f©H$ [anmoQ>© h_| CnbãY H$amE OmZo H$s Cå_rX h¡&

{dÎmr` {ddaUm| na h_mar am` AÝ` OmZH$mar H$mo H$da Zht H$aVr h¡ Am¡a h_ AmœmgZ {ZîH$f© Ho$ {H$gr ^r ê$n H$mo ì`º$ Zht H$a|Jo&

{dÎmr` {ddaUm| Ho$ boIm narjm Ho$ g§~§Y _|, h_mar {µOå_oXmar h¡ {H$ O~ `h CnbãY hmo OmVm h¢ Vmo D$na ~VmB© JB© AÝ` OmZH$mar H$mo nT>Zo Ho$ {bE Am¡a Eogm H$aZo _| {dMma H$a| {H$ Š`m {dÎmr` {ddaUm| Ho$ gmW AÝ` OmZH$mar ^m¡{VH$ ê$n go Ag§JV h¡ `m boIm narjm _| àmßV h_mam kmZ, `m AÝ`Wm ^m¡{VH$ ê$n go JbV àVrV hmoVm h¡&

dm{f©H$ [anmoQ>© n‹T>Vo hþE `{X h_ `h {ZîH$f© {ZH$mbVo h¡ {H$ Cg_o H$moB© ^m¡{VH$ JbV H$WZ h¡, Vmo h_ Bg _m_bo H$mo g§~§{YV àemgZ H$mo AdJV H$amE§&

ñQ>¢S>AbmoZ {dÎmr` {ddaUm| Ho$ {bE à~§YZ H$s {Oå_oXm[a`m§

6 {ZJ_ Ho$ ~moS©> Ho$ gXñ` BZ ñQ>¢S>-AbmoZ {dÎmr` {ddaUm| H$s V¡`mar Ho$ {bE {Oå_oXma h¢, Omo VwbZm nÌm|, g§~§{YV amOñd ImVo, bm^ Am¡a hm{Z ImVo Am¡a {ZJ_ Ho$ AZwgma àmpßV`m| Am¡a ^wJVmZ ImVm| H$m ghr Am¡a {Zînj Ñ{ï>H$moU XoVo h¢& Omo Am_Vm¡a na ^maV _| ñdrH¥$V boIm§H$Z {gÕm§V, {Og_| EbAmB©gr A{Y{Z`_, ~r_m A{Y{Z`_ Ho$ àmdYmZ em{_b h¢; AmB©AmaS>rE A{Y{Z`_; Bg g§~§Y _| AmB©AmaS>rE Ûmam Omar {H$E JE {d{Z`_ Am¡a AmXoe / n[anÌ Am¡a H§$nZr A{Y{Z`_, 2013 H$s Ymam 133 Ed§ Ohm§ VH$ bmJy hmo &

Bg {Oå_oXmar _| EbAmB©gr A{Y{Z`_, ~r_m A{Y{Z`_ Ho$ àmdYmZm| Ho$ AZwgma n`m©ßV boIm A{^boIm| H$m aIaImd r em{_b h¡; AmB©AmaS>rE A{Y{Z`_; AmB©AmaS>rE Ûmam {ZJ_ H$s n[ag§n{Îm`m| H$s gwajm Am¡a YmoImY‹S>r Am¡a AÝ` A{Z`{_VVmAm| H$mo amoH$Zo Am¡a nVm bJmZo Ho$ {bE Omar {H$E JE {Z`_ Am¡a AmXoe / n[anÌ; C{MV boIm§H$Z Zr{V`m| H$m M`Z Am¡a bmJw H$aZo; {ZU©` Am¡a AZw_mZ bJmZm Omo C{MV Am¡a {ddoH$nyU© h¢; Am¡a n`m©ßV Am§V[aH$ {dÎmr` {Z`§ÌUm| Ho$ {S>OmBZ, H$m`m©Ýd`Z Am¡a aIaImd, Omo {H$ boIm [aH$m°S©> H$s gQ>rH$Vm Am¡a nyU©Vm H$mo gw{Z{üV H$aZo Ho$ {bE à^mdr T>§J go H$m_ H$a aho Wo, Omo ñQ>¢S>AbmoZ {dÎmr` {ddaU H$s V¡`mar Am¡a àñVw{V Ho$ {bE àmg§{JH$ h¡ Omo EH$ ghr Am¡a {Zînj Ñ{ï>H$moU XoVo h¢ Am¡a Omo YmoImY‹S>r `m Vw{Q> Ho$ H$maU ^¡{VH$ JbV {ddaU go _wŠV hmoVo h¡&

ñQ>¢S>AbmoZ {dÎmr` {ddaU H$mo V¡`ma H$aZo _|, {ZJ_ qZaVaVm AmH$bZ go g§~§{YV _m_bo Ed§ OwS>r hþB© boIm§H$Z nÜXV H$m Iwbmgm H$aZo H$s {µOå_oXma à~§YZ H$s hmoJr O~ VH$ H$s {Z`_ ñd§` H$mo g_mßV `m AnZo g§MmbZ H$mo ~§X H$aZm Zhr MmhVm `m BgHo$ A{V[aŠV {ZJ_ Ho$ nmg H$moB© AÝ` {dH$ën Zm hom&

{ZJ_ H$s {dÎmr` [anmo{Qª>J à{H«$`m H$s XoIaoI Ho$ {bE ~moS©> Ho$ gXñ` ^r {Oå_oXma h¢&

ñQ>¢S>AbmoZ {dÎmr` {ddaUm| H$s boIm narjm Ho$ {bE boIm narjH$ H$s {Oå_oXm[a`m§

7 h_mam CÔoí` Bg ~mao _| C{MV AmœmgZ àmßV H$aZm h¡ {H$ Š`m ñQ>¢S>AbmoZ {dÎmr` {ddaU AnZo Amn _|| ^m¡{VH$ JbV {ddaU go _wº$ h¢, Mmho ò Jb{V`m§ YmoImY‹S>r `m Vw{Q> Ho$ H$maU h|m, Am¡a boIm narjH$ H$s [anmoQ>© Omar H$aZo _|| h_mar am` ^r em{_b h¡& C{MV AmœmgZ Cƒ ñVa H$m AmœmgZ h¡, bo{H$Z `h Jma§Q>r Zht h¡ {H$ SAs Ho$ AZwgma {H$`m J`m boIm narjm _m¡OyX ^¡{VH$ JbV {ddaUo go _wŠV h¡ `{X dmo h¡ JbV {ddaU YmoImY‹S>r `m Vw{Q> go CËnÞ hmo gH$Vo h¡ Ed§ CÝho VmpËdH$ VÏ` _mZm OmòJm `{X ì`pŠVJV én _| `m Hw$b {_bmH$a ò BZ ñQ>oS> AbmoZ {dËVr` {ddaUm| Ho$ AmYma na {bò Jò Cn`moJ H$Vm©Amo Ho$ Am{W©H$ {ZU©`mo H$mo C{MV én go à^m{dV H$a gH$Vm h¡&

8 SAs Ho$ AZwgma EH$ boIm narjm Ho$ ^mJ Ho$ ê$n _|, h_ noeoda {ZU©` boVo h¢ Am¡a nyao boIm narjm _| noeoda g§Xoh H$mo ~ZmE aIVo h¢& VWm h_ BgHo$ gmW gmW:

i) ñQ>¢S>AbmoZ {dÎmr` {ddaUm| H$s gm_J«r Ho$ YmoImY‹S>r `m Vw{Q> Ho$ H$maU hþE JbV {ddaU Ho$ OmopI_m| H$mo nhMmZVo h¢ Am¡a CZH$m AmH$bZ H$aVo h¢, CZ OmopI_m| Ho$ {bE boIm narjm à{H«$`mAm| H$mo {S>OmBZ Am¡a {Zînm{XV H$aVo h¢, Am¡a boIm narjm Eogo gmú` àmßV H$aVo h¢ Omo h_mar am` Ho$ {bE AmYma àXmZ H$aZo Ho$ {bE n`m©ßV Am¡a C{MV h¢& YmoImY‹S>r Ho$ n[aUm_ñdê$n hmoZo dmbr gm_J«r Ho$ JbV {ddaU H$m nVm Zht bJmZo H$m OmopI_ Vw{Q> Ho$ n[aUm_ñdê$n hmoZo dmbo OmopI_ go A{YH$ h¡, Š`m|{H$ YmoImY‹S>r _| {_br^JV, OmbgmOr, OmZ~yPH$a MyH$, JbV ~`mZr, `m Am§V[aH$ {Z`§ÌU H$s AmodaamBS> em{_b hmoVr h¡&

ii) boIm narjm à{H«$`mAm| H$mo {S>OmBZ H$aZo Ho$ {bE boIm narjm Ho$ {bE àmg§{JH$ Am§V[aH$ {Z`§ÌU H$s g_P àmßV H$aZm Omo n[apñW{V`m| _| Cn`wº$ h¢&

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Our opinion is not modified in respect of these matters.

Other Information

5 TheCorporation’sBoardofMembersisresponsiblefortheotherinformation.Theotherinformationcomprisestheinformationincludedintheannualreport,butdoesnotincludethefinancialstatementsandourauditors’reportthereon.Theannualreportisexpectedtobemadeavailabletousafterthedateofthisauditors’report.

Ouropiniononthefinancialstatementsdoesnotcovertheotherinformationandwedonotexpressanyformofassuranceconclusionthereon.

Inconnectionwithourauditofthefinancialstatements,ourresponsibilityistoreadtheotherinformationidentifiedabovewhenitbecomesavailableand,indoingso,considerwhethertheotherinformationismateriallyinconsistentwiththefinancialstatementsorourknowledgeobtainedintheaudit,orotherwiseappearstobemateriallymisstated.

Whenwereadtheannualreport,ifweconcludethatthereisamaterialmisstatementtherein,wewillcommunicatethemattertothosechargedwithgovernance.

Responsibilities of Management for Standalone Financial Statements

6 TheCorporation'sBoardofMembersisresponsibleforthepreparationofthesestandalonefinancialstatementsthatgiveatrueandfairviewoftheBalanceSheet,therelatedRevenueAccount,theProfitandLossAccountandtheReceiptsandPaymentsAccountoftheCorporationinaccordancewiththeaccountingprinciplesgenerallyacceptedinIndia,includingtheprovisionsoftheLICAct,theInsuranceAct;theIRDAAct;Regulationsandorders/circularsissuedbytheIRDAinthisregardandtheAccountingStandardsspecifiedundersection133oftheCompaniesAct,2013,totheextentapplicable.

This responsibilityalso includesmaintenanceofadequateaccountingrecords inaccordancewiththeprovisionsof theLICAct, theInsuranceAct;IRDAAct;Regulationsandorders/circularsissuedbytheIRDAforsafeguardingoftheassetsoftheCorporationandfor preventing and detecting frauds and other irregularities; selection and application of appropriate accounting policies;makingjudgements and estimates that are reasonable and prudent; and design, implementation and maintenance of adequate internalfinancial controls, thatwereoperatingeffectively for ensuring the accuracy and completenessof the accounting records, relevanttothepreparationandpresentationofthestandalonefinancialstatementthatgiveatrueandfairviewandarefreefrommaterialmisstatement,whetherduetofraudorerror.

Inpreparingthestandalonefinancialstatements,management isresponsibleforassessingtheCorporation’sabilitytocontinueasagoingconcern,disclosing,asapplicable,mattersrelatedtogoingconcernandusingthegoingconcernbasisofaccountingunlessmanagementeitherintendstoliquidatetheCorporationortoceaseoperations,orhasnorealisticalternativebuttodoso.

ThoseBoardofMembersarealsoresponsibleforoverseeingtheCorporation’sfinancialreportingprocess.

Auditor’s Responsibilities for the Audit of the standalone Financial Statements

7 Ourobjectivesaretoobtainreasonableassuranceaboutwhetherthestandalonefinancialstatementsasawholearefreefrommaterialmisstatement,whetherduetofraudorerror,andtoissueanauditors’reportthatincludesouropinion.Reasonableassuranceisahighlevelofassurance,butisnotaguaranteethatanauditconductedinaccordancewithSAswillalwaysdetectamaterialmisstatementwhenitexists.Misstatementscanarisefromfraudorerrorandareconsideredmaterialif,individuallyorintheaggregate,theycouldreasonablybeexpectedtoinfluencetheeconomicdecisionsofuserstakenonthebasisofthesestandalonefinancialstatements.

8 AspartofanauditinaccordancewithSAs,weexerciseprofessionaljudgementandmaintainprofessionalskepticismthroughouttheaudit.Wealso:

i. Identifyandassesstherisksofmaterialmisstatementofthestandalonefinancialstatements,whetherduetofraudorerror,designandperformauditproceduresresponsivetothoserisks,andobtainauditevidencethatissufficientandappropriatetoprovideabasisforouropinion.Theriskofnotdetectingamaterialmisstatementresultingfromfraudishigherthanforoneresultingfromerror,asfraudmayinvolvecollusion,forgery,intentionalomissions,misrepresentations,ortheoverrideofinternalcontrol.

ii. Obtainanunderstandingofinternalcontrolrelevanttotheauditinordertodesignauditproceduresthatareappropriateinthecircumstances.

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iii) Cn`moJ H$s JB© boIm§H$Z Zr{V`m| H$s Cn`wº$Vm Am¡a à~§YZ Ûmam {H$E JE boIm§H$Z AZw_mZm| Am¡a g§~§{YV Iwbmgm| H$s VH©$erbVm H$m _yë`m§H$Z H$aZm&

iv) à~§YZ Ðmam Cn`moJ H$s JB© {Za§VaVm Ho$ {bE boIm§H$Z nXY{V H$s Cn`wŠVVm Am¡a àmßV boIm narjm gmú` Ho$ AmYma na {ZîH$f© {ZH$mbZm {H$ Š`m {H$gr KQ>Zm `m eVm] go g§~§{YV H$moB© _hËdnyU© A{Z{üVVm _m¡OyX h¡ Omo {ZJ_ H$s j_Vm na _hËdnyU© g§Xoh S>mb gH$Vr h¡& `{X h_ {ZîH$f© {ZH$mbVo h¢ {H$ H$moB© _hËdnyU© A{Z{üVVm _m¡OyX h¡, Vmo h_| ñQ>¢S>AbmoZ {dÎmr` {ddaUm| _| g§~§{YV Iwbmgo Ho$ {bE AnZo boIm narjH$ H$s [anmoQ>© _| Ü`mZ AmH${f©V H$aZo H$s Amdí`H$Vm hmoJr, `m Š`m h_mar am` H$mo g§emo{YV H$aZo Ho$ {bE Bg Vah Ho$ Iwbmgo An`m©ßV h¢& h_mao {ZîH$f© h_mao boIm narjH$ H$s [anmoQ>© H$s VmarI VH$ àmßV boIm narjm gmú` na AmYm[aV h¢& hmbm§{H$, ^{dî` _| hmoZo dmbr KQ>ZmE§ `m pñW{V`m§ {ZJ_ H$s {Za§VaVm H$mo g_mßV H$a gH$Vr h¡&

v) àH$Q>rH$aU g{hV ñQ>¢S>AbmoZ {dÎmr` {ddaUm| H$s g_J« àñVw{V, g§aMZm Am¡a gm_J«r H$m _yë`m§H$Z H$aZm, Am¡a Š`m {dÎmr` {ddaU A§V{Z©{hV boZXoZ Am¡a KQ>ZmAm| H$mo Bg VarHo$ go Xem©Vo h¢ Omo {Zînj àñVw{V àmßV H$aVo h¢&¢&

vi) _§S>bmo / emImAm| / BH$mB`m| H$s {dÎmr` OmZH$mar Ho$ ~mao _| ñQ>¢S>AbmoZ {dÎmr` {ddaU na EH$ am` ì`º$ H$aZo Ho$ {bE n`m©ßV Cn`wº$ boIm narjm gmú` àmßV H$aZm& h_ CZ _§S>bmo / emImAm| / BH$mB`m| Ho$ {dÎmr` {ddaUm| H$s {Xem, n`©dojU Am¡a àXe©Z Ho$ {bE {Oå_oXma h¢, {OZ_| h_ ñdV§Ì boIm narjH$ h¢& ñQ>¢S>AbmoZ {dÎmr` {ddaUm| _| em{_b AÝ` _§S>bmo / emImAm| / BH$mB`m| Ho$ {bE, {OÝh| AÝ` boIm narjH$m| Ûmam boIm nar{jV {H$`m J`m h¡, `m Eogr AÝ` An[a{jV emImE± {OÝh| à~§YZ Ûmam à_m{UV {H$`m J`m h¡, Omo {Xem, n`©dojU Am¡a àXe©Z Ho$ {bE {µOå_oXma ahVo h¢ h_ AnZr boIm narjm am` Ho$ {bE nyar Vah {Oå_oXma h¢&

9 h_ AÝ` _m_bm| Ho$ Abmdm boIm narjm Ho$ {Z`mo{OV Xmào, g_` Am¡a _hËdnwU© boIm narjm {dîH$fm} Ho$ ~mao _|§ emgZ Ho$ gmW g§dmX H$aVo h¡, {Og_| Am§V[aH$ {Z`§ÌU _| H$moB© _hËdnwU© H${_`m em{_b h¡, {Ogo h_ AnZo A§Ho$kU Ho$ Xm¡amZ nhMmZVo h¡&

10 h_ emgZ-àUmbr _| à^m[aV CZ bm|Jm| H$mo ^r EH$ {ddaU àXmZ H$aVo h¡ {Og_| H$hm OmVm h¡ {H$ h_Zo ñdV§ÌVm Ho$ g§~§Y _| àmg§{JH$ Z¡{VH$ Amdí`H$VmAm| Ho$ gmW AZwnmbZ {H$`m h¡& h_ CZ g^r [aíVm| Am¡a AÝ` _m_bm| Or H$s h_mar ñdV§ÌVm H$mo à^m{dV H$a gH$Vo h¡, Am¡a Ohm§ bmJy hmo, g§~§{YV gwajm Cnm` Ho$ ~mao _| ~VmVo h¡&

AÝ` _m_bo

11 h_Zo {ZJ_ Ho$ ñQ>¢S>AbmoZ {dÎmr` {ddaUm| _| em{_b 105 _§S>b, Ed§ 68 BH$mB`m± noeZ Am¡a g_yh moOZmE± H$s 648 emImAm| Ho$ {dÎmr` {ddaUm| / gyMZmAm| H$m boIm-n[ajU Zht {H$`m h¡, O¡gm {H$ ñQ>¢S>AbmoZ {dÎmr` {ddaUm| _| _mZm J`m h¡ / BZ emImAm| H$s OmZH$mar H$mo _§S>b `m emIm Ho$ A§H$mojH$mo Ûmam boIm nar{jV {H$`m J`m h¡& {OZH$s [anmoQ>© h_| Xr JB© h¡, Am¡a ògr _§S>bmo /emImAm| Ho$ g§~§Y _| em{_b am{e`m| Am¡a Iwbmgm| go g§~§{YV h_mar A~ VH$ H$s am`, nyar Vah go Eogo emIm Ho$ boIm narjmH$m| H$s [anmoQ>© na AmYm[aV h¡&

12 h_Zo {ZJ_ Ho$ ñQ>¢S>AbmoZ {dÎmr` {ddaUm| _| em{_b 1352 emImAm| Ho$ {dÎmr` {ddaUm| / gyMZmAm| H$s boIm narjm Zht H$s h¡, {OZHo$ J¡a-boIm nar{jV {dÎmr` {ddaU / {dÎmr` OmZH$mar, O¡gm {H$ ñQ>¢S>AbmoZ {dÎmr` {ddaUm| _| _mZm OmVm h¡ / BZ emImAm| H$s OmZH$mar à~YZ Ûmam à_m{UV H$s JB© h¡, Am¡a BZ emImAm| Ho$ g§~§Y _o em{_b am{e`m| Am¡a Iwbmgm| g| g§~§{YV A~ VH$ {H$ h_mar am` nwar Vah go à~§YZ Ûmam Xr JB© Anar{jV {dËVr` {ddaUm|/{dËVr` OmZH$mar na AmYmarV h¡¡¡&

AÝ` boIm narjH$m| Am¡a J¡a-nar{jV emImAm| Ho$ g§~§Y _| Hw$b g§n{Îm Am¡a Hw$b amOñd H$s OmZH$mar AbJ go g§H${bV Zht H$s OmVr h¡ Š`m|{H$ _§S>bmo H$mo àËòH$ emIm H$m Ho$db VbnQ> àmßV hmoVm h¡ Omo _§S>b ñVa na Am¡a CgHo$ ~mX jo{Ì` ñVa na g_o{H$V hmoVo h¢&

13 31 _mM©, 2021 VH$, Omo OrH$Z nm°{b{g`m± Mmby pñW{V _| h¢ Am¡a Omo OrH$Z nm°{b{g`m±, àr{_`_ H$s AàmpßV H$s H$Oh go ~§X h¢, na§Vw {OZHo$ VhV Xo`Vm Omar h¡ CZHo$ Xm{`Ëdmo H$m ~r_m§{H$H$ _wë`mH§$Z {ZJ_ Ho$ {Z`wº$ ~r_m§H$H$ ("{Z`wº$ ~r_m§H$H$') H$s {Oå_oXmar h¡& {Z`wº$ ~r_m§H$H$ Zo 31 _mM©, 2021 VH$, Omo OrH$Z nm°{b{g`m± Mmby pñW{V _| h¢ Am¡a Omo OrH$Z nm°{b{g`m±, àr{_`_ H$s AàmpßV H$s H$Oh go ~§X h¢, na§Vw {OZHo$ VhV Xo`Vm Omar h¡ CZHo$ Xo`Vm Ho$ ~r_m§H$H$ _wë`mH§$Z H$mo {d{YdV à_m{UV {H$`m h¡ Am¡a CZH$s am` _| Bg Vah H$m _wë`mH§$Z ~r_m {Z`m_H$ {dH$mg àm{YH$aU Am¡a B§ñQ>rQ>çyQ> Am°\$ EŠMwAarO Ûmam Omar {Xem-{ZX}em| Am¡a _mZX§S>m| Ho$ AZwgma h¢& h_Zo {ZJ_ Ho$ {dÎmr` {ddaUm| Ho$ ~mao _| AnZr am` ~ZmZo Ho$ {bE Bg g§~§Y _| {Z`wº$ ~r_m§H$H$ Ho$ à_mUnÌ na âmogm {H$`m h¡¡& {Og_| bmJy ZdrZ nm°{b{g`m| Ho$ {bE Xo`VmAm| H$m _yë`m§H$Z Am¡a CZ nm°{b{g`m| Ho$ {bE {OZHo$ g§~§Y _| àr{_`_ ~§X H$a {X`m J`m h¡ bo{H$Z ñQ>¢S> AbmoZ {d{Îm` {ddaUm| _| Xo`Vm _m¡OyX h¡&

BZ _m_bm| Ho$ g§~§Y _| h_mar am` g§emo{YV Zht h¡&

AÝ` H$mZyZr Am¡a {Z`m_H$ Amdí`H$VmAm| na [anmoQ>©

14 i) ~r_m {Z`m_H$ Am¡a {dH$mg àm{YH$aU ({dÎmr` {ddaU H$s V¡`mar Am¡a ~r_m H§$n{Z`m| H$m boIm narjm à{VdoXZ) {d{Z`_Z, 2002 Ho$ VhV Amdí`H$ h¡, h_ [anmoQ>© H$aVo h¢ {H$ :

H$) h_Zo CZ g^r gyMZmAm| Am¡a ñnï>rH$aUm| H$mo _m§Jm Am¡a àmßV {H$`m h¡ Omo h_mao boIm narjm Ho$ CÔoí`m| hoVw h_mao kmZ Am¡a gdm}Îm_ {dœmg Ho$ AmYa na Amdí`H$ Wo Am¡a BÝh| g§VmofOZH$ nm`m J`m h¡;

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iii. Evaluatetheappropriatenessofaccountingpoliciesusedandthereasonablenessofaccountingestimatesandrelateddisclosuresmadebymanagement.

iv. Concludeontheappropriatenessofmanagement’suseofthegoingconcernbasisofaccountingand,basedontheauditevidenceobtained,whetheramaterialuncertaintyexistsrelatedtoeventsorconditionsthatmaycastsignificantdoubtontheCorporation’sabilitytocontinueasagoingconcern.Ifweconcludethatamaterialuncertaintyexists,wearerequiredtodrawattentioninourauditors’reporttotherelateddisclosuresinthestandalonefinancialstatementsor,ifsuchdisclosuresareinadequate,tomodifyouropinion.Ourconclusionsarebasedontheauditevidenceobtaineduptothedateofourauditors’report.However,futureeventsorconditionsmaycausetheCorporationtoceasetocontinueasagoingconcern.

v. Evaluatetheoverallpresentation,structureandcontentofthestandalonefinancialstatements,includingthedisclosures,andwhetherthefinancialstatementsrepresenttheunderlyingtransactionsandeventsinamannerthatachievesfairpresentation.

vi. Obtainsufficientappropriateauditevidenceregardingthefinancialinformationofthedivisions/branches/unitstoexpressanopiniononthestandalonefinancialstatements.Weareresponsibleforthedirection,supervisionandperformanceoftheauditofthefinancialstatementsofdivisions/branches/unitsincludedinthestandalonefinancialstatementsofwhichwearetheindependentauditors. For theotherdivisions /branches /units included in the standalonefinancial statements,whichhavebeenauditedbyotherauditors,suchotherauditorsorunauditedbrancheswhichhavebeencertifiedbytheManagement,suchManagement,remainsresponsibleforthedirection,supervisionandperformanceoftheaudits/certificationcarriedoutbythem.Weremainsolelyresponsibleforourauditopinion.

9 Wecommunicatewiththosechargedwithgovernanceregarding,amongothermatters,theplannedscopeandtimingoftheauditandsignificantauditfindings,includinganysignificantdeficienciesininternalcontrolsthatweidentifyduringouraudit.

10 Wealsoprovidethosechargedwithgovernancewithastatementthatwehavecompliedwithrelevantethicalrequirementsregardingindependence,andtocommunicatewiththemall relationshipsandothermattersthatmayreasonablybethoughttobearonourindependence,andwhereapplicable,relatedsafeguards.

Other Matter

11 Wedidnotauditthefinancialstatements/informationof105DivisionalOffices(DO),68unitsofPension&GroupSchemes(P&GS)and648branchesincludedinthestandalonefinancialstatementsoftheCorporationwhoseauditedfinancialstatements/information,asconsideredinthestandalonefinancialstatements/informationhavebeenauditedbythedivisional/branchauditorswhosereportshavebeenfurnishedtous,andouropinion insofaras it relatestotheamountsanddisclosures included inrespectofdivisions/branches,isbasedsolelyonthereportofsuchdivisional/branchauditors.

12 We did not audit the financial statements / information of 1352 branches included in the standalone financial statements of theCorporationwhose unaudited financial statements / financial information, as considered in the standalone financial statements /informationof thesebrancheshavebeencertifiedby theManagementandouropinion inso faras it relates to theamountsanddisclosuresincludedinrespectofbranches,isbasedsolelyonthesuchunauditedfinancialstatements/financialinformationprovidedbytheManagement.

Theinformationoftotalassetsandtotalrevenueinrespectofthebranchesauditedbyotherauditorsandunauditedbranchesarenotseparatelycompiledasthedivisionsreceiveonlytrialbalancesofeachbranchwhichareconsolidatedatdivisionlevelandthereafteratzonallevel.

13 TheActuarialValuationofliabilitiesforlifepoliciesinforceandpoliciesinrespectofwhichpremiumhasbeendiscontinuedbutliabilityexists as atMarch 31, 2021 is the responsibility of the Corporation’s AppointedActuary (‘theAppointedActuary’). TheAppointedActuaryhasdulycertifiedtheactuarialvaluationofliabilitiesforlifepoliciesinforceandpoliciesinrespectofwhichpremiumhasbeendiscontinuedbutliabilityexistsasatMarch31,2021andinhisopiniontheassumptionsforsuchvaluationareinaccordancewiththeguidelinesandnormsissuedbytheInsuranceRegulatoryDevelopmentandAuthorityofIndiaandtheInstituteofActuariesofIndiainconcurrencewiththeAuthority.WehavereliedupontheAppointedActuary’sCertificateinthisregardforformingouropiniononthevaluationofliabilitiesforlifepoliciesinforceandforpolicesinrespectofwhichpremiumhasbeendiscontinuedbutliabilityexistsinthestandalonefinancialstatementsoftheCorporation.

Ouropinionisnotmodifiedinrespectofthesematters.

ReportonOtherLegalandRegulatoryRequirements

14 (i). As required under the Insurance Regulatory andDevelopment Authority (Preparation of Financial Statements and Auditor’s ReportofInsuranceCompanies)Regulation,2002,wereportthat:

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IÊSo>dmb O¡Z E§S> H§$. Ho$ {bEgZXr boImH$maH$.n.g. / 105049We¡boe emh (nmQ>©Za) g.H«$./M.No.033632UDIN -21033632AAAACE9306ñWmZ : _w§å~B©

Eg Ho$ H$nya E§S> H§$. Ho$ {bEgZXr boImH$maH$.n.g. / 000745Cdr ~r qgh (nmQ>©Za) g.H«$./M.No. 073124UDIN -21073124AAAADL8718ñWmZ : H$mZnwa

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a. we have sought and 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 Balance sheet, Revenue account, Profit and Loss account and the Receipts and Payments Account dealt with by this 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, Regulations and orders / directions issued by IRDA in this 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 specified under section 133 of the Companies Act, 2013, to the extent not inconsistent with the accounting principles prescribed in the IRDA Regulations and orders / directions / circulars issued by IRDA in this regard.

14 (ii). As required by the Regulations, we have issued a separate certificate dated une 29, 2021 certifying the matters specified in paragraphs 3 and 4 of Schedule C to the Regulations.

or n el l in oChartered AccountantsF.R.N.:105049W Shailesh Shah (Partner) M.No. 033632UDIN -21033632AAAACE9306Place: Mumbai

or Price oChartered AccountantsF.R.N.:002785S A . R. Parthasarathy (Partner) M.No. 205702 UDIN -21205702AAAABY3457Place: Chennai

or oor oChartered AccountantsF.R.N.:000745CV. B. Singh (Partner)M.No.073124 UDIN -21073124AAAADL8718Place: Kanpur

For abm & associates LLPChartered AccountantsF.R.N.:105016W/W-100015Ashwin B. Morche (Partner)M.No. 104126UDIN -21104126AAAABH5132Place: Belgaum

or e o PChartered AccountantsF.R.N.:000709C/C400277Vijit Baidmutha (Partner)M.No. 406044UDIN -21406044AAAAOA3034Place: Bhopal

For Ray & RayChartered AccountantsF.R.N.:301072ENabanita Ghosh (Partner)M.No. 058477UDIN -21058477AAAABD5702Place: Kolkata

For Batliboi & PurohitChartered AccountantsF.R.N.:101048WParag Hangekar (Partner)M.No. 110096UDIN -21110096AAAACV2738Place: Mumbai

or oChartered AccountantsF.R.N.:002744CPawan K. Goel (Partner)M.No. 072209 UDIN -21072209AAAACE2814Place: New Delhi

or o i uls n oChartered AccountantsF.R.N.:002180CSushil Kumar Tulsyan (Partner)M.No. 075899UDIN -21075899AAAAIB6610Place: Patna

or oort ( ) oChartered AccountantsF.R.N.:002899SSurendranath Bharathi (Partner)M.No. 023837UDIN -21023837AAAACA6529Place: Hyderabad

CHARTERED ACCOUNTANTSPlace: MumbaiDate: une 29, 2021

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INDEPENDENT AUDITORS’ CERTIFICATEReferred to inparagraph 14(ii)under“ReportonOther Legal andRegulatoryRequirements” formingpartofour IndependentAuditors’ReportdatedJune29,2021)To Life Insurance Corporation of India

1 ThiscertificateisissuedinaccordancewiththetermsofourengagementletterwithLifeInsuranceCorporationofIndia(the“Corporation”).Thiscertificateisissuedtocomplywiththeprovisionsofparagraphs3and4ofScheduleCofInsuranceRegulatoryandDevelopmentAuthority(PreparationofFinancialStatementsandAuditor’sReportofInsuranceCompanies)Regulations2002,(the“Regulations”),readwithregulation3oftheRegulations.

Management's Responsibility

2 The Corporation's Board of Members is responsible for complying with the provisions of the Life Insurance Corporation Act, 1956,InsuranceAct,1938;theInsuranceRegulatoryandDevelopmentAuthorityAct,1999;theInsuranceRegulatoryandDevelopmentAuthority(PreparationofFinancialStatementsandAuditor’sReportof InsuranceCompanies)Regulations,2002 ("theRegulations")andorders/circularsissuedbyInsuranceRegulatoryandDevelopmentAuthorityIndia(“IRDA”)whichincludesthepreparationandmaintenanceofbooksofaccountandtheManagementReport.Thisincludescollecting,collatingandvalidatingdataanddesigning,implementingandmonitoringofinternalcontrolssuitableforensuringcomplianceasaforesaid.

Auditor’s Responsibilities

3 PursuanttotherequirementsofRegulations,itisourresponsibilitytoobtainreasonableassuranceandformanopinionbasedonourauditandexaminationofbooksandrecordsastowhethertheCorporationhascompliedwiththematterscontainedinparagraphs3and4ofScheduleCoftheRegulationsreadwithregulation3oftheRegulations.

4 WeauditedfinancialstatementsoftheCorporationasofandfinancialyearendedMarch31,2021onwhichwe issuedanunmodifiedauditopinionvideourreportdatedJune29,2021.OurauditsofthesefinancialstatementswereconductedinaccordancewithStandardsonAuditingandotherapplicableauthoritativepronouncementsissuedbytheInstituteofCharteredAccountantsofIndia(‘ICAI’).Thosestandardsrequirethatweplanandperformtheaudittoobtainreasonableassuranceaboutwhetherthefinancialstatementsarefreeofmaterialmisstatement.Ourauditswerenotplannedandperformedinconnectionwithanytransactionstoidentifymattersthatmaybeofpotentialinteresttothirdparties.

5 WeconductedourexaminationinaccordancewiththeGuidanceNoteonAuditReportsandCertificatesforSpecialPurposesissuedbytheInstituteofCharteredAccountantsofIndia(the‘ICAI’).TheGuidanceNoterequiresthatwecomplywiththeindependenceandotherethicalrequirementsoftheCodeofEthicsissuedbyICAI.

6 WehavecompliedwiththerelevantapplicablerequirementsoftheStandardonQualityControl(‘SQC’)1,QualityControlforFirmsthatPerformAuditsandReviewsofHistoricalFinancialInformationandOtherAssuranceandRelatedServicesengagements.

Opinion

7 InaccordancewiththeinformationandexplanationsgiventousandtothebestofourknowledgeandbeliefandbasedonourexaminationofthebooksofaccountandotherrecordsmaintainedbyLifeInsuranceCorporationofIndia,fortheyearendedMarch31,2021,wecertifythat:

a. WehavereviewedtheManagementReportattachedtothefinancialstatementsfortheyearendedMarch31,2021,andonthebasis ofourreview,therearenoapparentmistakesormaterial inconsistenciesbetweentheManagementReportandthestandalonefinancialstatements;

b. Based onmanagement representations and compliance certificates submitted to the Board ofMembers by the officers of theCorporationchargedwithcomplianceandthesamebeingnotedbytheBoard,nothinghascometoourattentionthatcausesustobelievethattheCorporationhasnotcompliedwiththetermsandconditionsofregistrationstipulatedbyIRDAexcept:

i) as stated innoteno.C(14)of schedule 15Aof the standalonefinancial statements, theexpensesofmanagement incurred in4segmentshaveexceededtheprescribedlimitsandsuchexcessexpenditurehavebeenchargedtoRevenueAccount–Policyholders’AccountasagainsttherequirementofchargingthesametoProfitandLossAccount-Shareholders’Account.

ii) asstatedinnoteno.C(15)ofschedule15Aofthestandalonefinancialstatements,thecorporationhaspreparedRevenueAccounton segmentalbasis.However,separatebalancesheetshavenotbeenpreparedforeachbusinesssegmentasrequiredbyMasterCircular

202


(ii) O¡gm {H$ ñQ>¢S>AbmoZ {H$Îmr` {H$H$aUm| H$s {Q>ßnU g§»`m gr (15) H$s AZwgyMr 15A _| H${U©V h¡{H$ {ZJ_ Zo I§S> Ho$ AmYma na amOñH$ ImVm V¡`ma {H$`m h¡& hmbm§{H$, ~r_m {Z`m_H$ Am¡a {H$H$mg àm{YH$aUÛmam Omar {H$E JE _mñQ>a n[anÌ, {H$Îmr` {H$H$aUm| H$s V¡`mar Am¡a OrH$Z ~r_m ì`H$gm` Ho$ [aQ>Z© XmpIbm {XZm§H$ 11.12.2013 _| àË`oH$ ì`H$gm` I§S> Ho$ {bE AbJ VwbZ nÌ V¡`ma H$aZo na Omoa {X`o OmZo Ho$ ~mH$OyX Eogm Zht {H$`m J`m h¡&

J) h_Zo, ñQ>oS> AbmoZ {dÎmr` {ddaUm| H$s AZwgyMr 15 E Ho$ gr-23 Ho$ A{V[aº$, _m_bo H$s Amdí`H$VmAm| Ho$ AZwê$n, dmñV{dH$ {ZarjU Ûmam `m H$ñQ>mo{S>`Z Am¡a / `m {S>nm°{OQ> à{V^m{J`m| Ûmam, àmßV à_mU nÌm| / nw{ï>`m| Ho$ AmYma na 31 _mM©, 2021 VH$ Ho$ {ZJ_ Ho$ F$Um| Am¡a {Zdoem| go g§~§{YV Amdí`H$ gr_m VH$ ZH$X eof am{e Am¡a à{V^y{V`m| H$m gË`mnZ {H$`m h¡& 31 _mM©, 2021 VH$, {ZJ_ Ho$ nmg nwZamH$V©Z Am¡a OrdZ {hV Zht h¢;

K) {ZJ_ {H$gr ^r Q´>ñQ> Ho$ Q´>ñQ>r Ho$ ê$n _| H$m`© Zht H$aVm h¡; VWm

M) A§{V_ ì`mdgm{`H$ {Xdg na àmßV AmdoXZm| Ho$ _m_bo _| bmJy EZEdr AmB©AmaS>rE ({Zdoe) {d{Z`_, 2016 Ho$ AZwgma {XE JE h¢

N>) nm°{bgrYmaH$m| H$s {Z{Y H$m H$moB© ^r {hñgm àË`j `m AàË`j ê$n go ~r_m A{Y{Z`_ 1938 H$m Cëb§KZ H$aHo$ {Zdoe Zht {H$`m J`m h¡&

IÊSo>dmb O¡Z E§S> H§$. Ho$ {bEgZXr boImH$maH$.n.g. / 105049We¡boe emh (nmQ>©Za) g.H«$./M.No.033632UDIN -21033632AAAACE9306ñWmZ : _w§å~B©

Eg Ho$ H$nya E§S> H§$. Ho$ {bEgZXr boImH$maH$.n.g. / 000745Cdr ~r qgh (nmQ>©Za) g.H«$./M.No. 073124UDIN -21073124AAAADL8718ñWmZ : H$mZnwa

Eg. Eb N>mOo‹S> E§S> H§$. EbEbnr Ho$ {bEgZXr boImH$maH$.n.g. / 000709C/C400277drOrV ~¡X_wWm (nmQ>©Za) g.H«$./M.No. 406044UDIN -21406044AAAAOA3034ñWmZ : ^monmb

~mQ>br~m°` E§S> nwamo{hV Ho$ {bEgZXr boImH$maH$.n.g. / 101048WnamJ h§JoH$a (nmQ>©Za)g.H«$./M.No./110096UDIN -21110096AAAACV2738ñWmZ : _w§å~B©

Q>mo‹S>r Vwëg`mZ E§S> H§$. Ho$ {bEgZXr boImH$maH$.n.g. / 002180C gwerb Hw$_ma Vwëg`mZ (nmQ>©Za)g.H«$./M.No./075899UDIN -21075899AAAAIB6610ñWmZ : nQ>Zm

Ama. Or. EZ. àmB©g E§S> H§$. Ho$ {bEgZXr boImH$maH$.n.g. / 002785SE. Ama. nmW©gmaWr (nmQ>©Za)g.H«$./M. No. 205702UDIN -21205702AAAABY3457ñWmZ : MoÝZB©

E~rE_ E§S> Agmo{gEQ²g EbEbnr Ho$ {bEgZXr boImH$maH$.n.g. / 105016W/W-100015ApídZ ~r. _moM} (nmQ>©Za)g.H«$./M.No./104126 UDIN -21104126AAAABH5132ñWmZ : ~obJm_

ao E§S> ao Ho$ {bEgZXr boImH$maH$.n.g. / 301072EZ~{ZVm Kmof (nmQ>©Za)g.H«$./M.No. 058477UDIN -21058477AAAABD5702ñWmZ : H$mobH$mVm

E Ama E§S> H§$. Ho$ {bEgZXr boImH$maH$.n.g. / 002744CndZ Ho$. Jmo`b (nmQ>©Za)g.H«$./M.No. 072209UDIN -21072209AAAACE2814ñWmZ : ZB© {Xëbr

am__y{V© (EZ) E§S> H§$nZr Ho$ {bEgZXr boImH$maH$.n.g. / 002899S gwaoÝÐZmW ^maVr (nmQ>©Za)g.H«$./M.No./023837UDIN -21023837AAAACA6529ñWmZ : h¡Ðm~mX

_w§å~B© : 29 OyZ, 2021 gZXr boImH$ma

203

64th

ANNUAL REPORT

on Preparation of Financial Statements and Filing Returns of Life Insurance Business dated 11.12.2013 issued by IRDA.

c. We have verified the cash balances, to the extent considered necessary, and securities relating to the Corporation s loans and investments as at March 31, 2021, by actual inspection or on the basis of certificates / confirmations received from the Custodian and / or Depository Participants appointed by the Corporation, as the case may be except as stated in note no. C(23) of schedule 15A of the standalone financial statements. As at March 31, 2021, the Corporation does not have reversions and life interests;

d. The Corporation does not act as a trustee of any trust; and

e. The NAV applicable in case of applications received on the last business day are as indicated in IRDA (Investment) Regulations, 2016

f. No part of the assets of the policyholders funds has been directly or indirectly applied in contravention to the provisions of the Insurance Act, 1938, relating to the application and investment of the Policyholders Fund.

or n el l in oChartered AccountantsF.R.N.:105049W Shailesh Shah (Partner) M.No. 033632UDIN -21033632AAAACE9306Place: Mumbai

or Price oChartered AccountantsF.R.N.:002785S A . R. Parthasarathy (Partner) M.No. 205702 UDIN -21205702AAAABY3457Place: Chennai

or oor oChartered AccountantsF.R.N.:000745CV. B. Singh (Partner)M.No.073124 UDIN -21073124AAAADL8718Place: Kanpur

For abm & associates LLPChartered AccountantsF.R.N.:105016W/W-100015Ashwin B. Morche (Partner)M.No. 104126UDIN -21104126AAAABH5132Place: Belgaum

or e o PChartered AccountantsF.R.N.:000709C/C400277Vijit Baidmutha (Partner)M.No. 406044UDIN -21406044AAAAOA3034Place: Bhopal

For Ray & RayChartered AccountantsF.R.N.:301072ENabanita Ghosh (Partner)M.No. 058477UDIN -21058477AAAABD5702Place: Kolkata

For Batliboi & PurohitChartered AccountantsF.R.N.:101048WParag Hangekar (Partner)M.No. 110096UDIN -21110096AAAACV2738Place: Mumbai

or oChartered AccountantsF.R.N.:002744CPawan K. Goel (Partner)M.No. 072209 UDIN -21072209AAAACE2814Place: New Delhi

or o i uls n oChartered AccountantsF.R.N.:002180CSushil Kumar Tulsyan (Partner)M.No. 075899UDIN -21075899AAAAIB6610Place: Patna

or oort ( ) oChartered AccountantsF.R.N.:002899SSurendranath Bharathi (Partner)M.No. 023837UDIN -21023837AAAACA6529Place: Hyderabad

CHARTERED ACCOUNTANTS

Place: Mumbai

Date: une 29, 2021

204


64 th

dt

Mmby df©Current Year

{ddaUParticulars

AZwgwMrSchedule

J¡a-g§~Õ ì¶dgm¶ Non-linked Business

g§~Õ ì¶dgm¶ Linked Business

^maV ‘|In India

^maV Ho$ ~mhaOut of India

^maV ‘|In India


{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

Ama{jV{Z{Y Ed§ A{Yeof

RESERVES AND SURPLUS 6 594320.24 28179.53 0.00 0.00

O‘m/(Zm‘|) ghr ‘yë¶ n[adV©Z boIm

CREDIT/(DEBIT) FAIR VALUE CHANGE ACCOUNT 896.18 2673.27 0.00 0.00

Cn-¶moJ / Sub-Total 605216.42 30852.80 0.00 0.00

CYmar BORROWINGS 7 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 26877102.65 5898.79 404077.63 0.00

nm°{bgr Xm{¶Ëd

POLICY LIABILITIES 336169130.35 342794.31 3863146.81 25.62

~§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 3366.00 0.00

AÝ` others 0.00 0.00 1699.73 0.00

{~‘m Ama{jV{Z{Y

INSURANCE RESERVES 6A 1240967.72 52408.83 0.00 26.58

g§~Õ Xm{¶Ëdm| Ho$ {bE àmdYmZ

PROVISION FOR LINKED LIABILITIES 0.00 0.00 3285554.29 7641.88

Cn-¶moJ / Sub-Total 364287200.72 401101.93 7557844.46 7694.08

^{dî¶ {d{Z¶moOZm| Ho$ {bE {Z{Y¶m±

FUNDS FOR FUTURE APPROPRIATIONS 0.00 0.00 333.99 0.00

Hw$b/ TOTAL 364892417.14 431954.73 7558178.45 7694.08

{Z{Y¶m| H$m à¶moJ / APPLICATION OF FUNDS

{Zdoe / INVESTMENTS

eo¶aYmaH$m| Ho$ / Shareholders' 8 21580.12 49776.55 0.00 0.00

nm°{bgrYmaH$m| Ho$ / Policyholders' 8A 343985610.19 386546.41 4393329.10 0.00

g§~Õ Xm{¶Ëd a{jV H$aZo Ho$ {bE n[agån{V¶m±

ASSETS HELD TO COVER LINKED LIABILITIES 8B 0.00 0.00 3287308.28 7641.87

F$U / LOANS 9 10761220.68 16287.54 825.54 0.00

AMb n[agån{Îm¶m± FIXED ASSETS 10 343943.93 1394.69 0.00 0.00

\ m_© E-~rEg~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©, 2021 VH$ H$m VwbZ-nÌ

205


64 th

dt

FORM A- BSName of the Insurer: Life Insurance Corporation of India

Registration No. : 512 Dated 01.01.2001

BALANCE SHEET AS AT 31ST MARCH, 2021


{nN>bo df©Previous Year

Hw$bTotal


g§~Õ ì¶dgm¶ Linked Business Hw$b

Total^maV ‘|In India


^maV ‘|In India


10000.00 10000.00 0.00 0.00 0.00 10000.00

622499.77 34262.18 27937.92 0.00 0.00 62200.10

3569.45 0.00 1752.59 0.00 0.00 1752.59

636069.22 44262.18 29690.51 0.00 0.00 73952.69

0.00 0.00 0.00 0.00 0.00 0.00

0.00

27287079.07 (562620.81) 2483.11 126083.98 0.00 (434053.72)

340375097.09 304351138.60 307409.24 3541207.07 63.30 308199818.21

3366.00 0.00 0.00 3334.22 0.00 3334.22

1699.73 0.00 0.00 1851.68 0.00 1851.68

1293403.13 1238479.61 40057.17 0.00 21.67 1278558.45

3293196.17 0.00 0.00 3243893.06 5872.11 3249765.17

372253841.19 305026997.40 349949.52 6916370.01 5957.08 312299274.01

333.99 0.00 0.00 21.44 0.00 21.44

372890244.40 305071259.58 379640.03 6916391.45 5957.08 312373248.14

71356.67 20696.02 47245.74 0.00 0.00 67941.76

348765485.70 284595913.39 332793.96 3802206.00 0.00 288730913.35

3294950.15 0.00 0.00 3245102.92 5872.10 3250975.02

10778333.76 10763278.33 17536.11 1452.79 0.00 10782267.23

345338.62 299909.98 1472.42 0.00 0.00 301382.40

206


64 th

dt

\ m_© E-~rEg31 ‘mM©, 2021 VH$ H$m VwbZ-nÌ


{ddaUParticulars

AZwgwMrSchedule



^maV ‘|In India


^maV ‘|In India


Mmby n[agån{Îm¶m± CURRENT ASSETS

amoH$‹S> Ed§ ~¢H$ ‘| A{Veof Cash and Bank Balances 11 3013249.07 12918.16 3158.22 0.00

A{J«_ Ed§ AÝ` n[agån{Îm¶m± Advances and Other Assets 12 14816442.23 3934.11 70401.16 0.00

Cn-¶moJ (H$) - Mmby n[agån{Îm¶m± Sub-Total (A) - Current Assets 17829691.30 16852.27 73559.38 0.00

Mmby Xm{¶Ëd CURRENT LIABILITIES 13 6555323.48 38902.73 196843.85 (52.21)

àmdYmZ PROVISIONS 14 1494305.60 0.00 0.00 0.00

Cn-¶moJ - Mmby Xm{¶Ëd /Sub-Total (B) - Current Liabilities 8049629.08 38902.73 196843.85 (52.21)

ewÕ Mmby n[agån{Îm¶m± J), (H - I)

NET CURRENT ASSETS (C) = (A - B) 9780062.22 (22050.46) (123284.47) 52.21

{d{dY ì¶¶ (Omo~QQo ImVo ‘| Z S>mbo JE hmo ¶m g‘m¶mo{OV Z {H `o J`o hm|)

MISCELLANEOUS EXPENDITURE (to the extent not written off or adjusted) 15 0.00 0.00 0.00 0.00

bm^-hm{Z boIm ‘| Zm‘| eof (eo¶aYmaH$m| H$m ImVm)DEBIT BALANCE IN PROFIT & LOSS ACCOUNT (Shareholders' Account) 0.00 0.00 0.00 0.00 0.00

Hw$b / Total 364892417.14 431954.73 7558178.45 7694.08

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 form an integral part of the Balance-sheet

IÊSo>dmb O¡Z E§S> H§$. Ho$ {bEFor Khandelwal Jain & Co. Chartered Accountants F.R.N. / 105049We¡boe emh (nmQ>©Za) Shailesh Shah (Partner) g.H«$./M.No.033632Place : Mumbai

Ama. Or. EZ. àmB©g E§S> H§$. Ho$ {bEFor R. G. N. Price & Co. Chartered Accountants F.R.N/ 002785SE. Ama. nmW©gmaWr (nmQ>©Za)A. R. Parthasarathy (Partner)g.H«$./M. No. 205702Place : Chennai

h_mar Cg VmarI dmbr [anmoQ>© Ho$ AZwgmaAs per our report of even date

~mQ>br~m°` E§S> nwamo{hV Ho$ {bEFor Batliboi & Purohit Chartered Accountants F.R.N./101048WnamJ h§JoH$a (nmQ>©Za) Parag Hangekar (Partner) g.H«$./M.No./110096Place : Mumbai

Eg Ho$ H$nya E§S> H§$. Ho$ {bEFor S.K. Kapoor & Co. Chartered Accountants F.R.N./000745Cdr ~r qgh (nmQ>©Za) V. B. Singh (Partner) g.H«$./M.No. 073124Place : Kanpur

Eg. Eb N>mOo‹S> E§S> H§$. EbEbnr Ho$ {bEFor S. L. Chhajed & Co. LLP Chartered Accountants F.R.N./000709C/C400277 drOrV ~¡X_wWm (nmQ>©Za) Vijit Baidmutha (Partner) g.H«$./M.No. 406044Place : Bhopal

Q>mo‹S>r Vwëg`mZ E§S> H§$. Ho$ {bE For Todi Tulsyan & Co. Chartered Accountants F.R.N./002180C gwerb Hw$_ma Vwëg`mZ (nmQ>©Za)Sushil Kumar Tulsyan ( Partner ) g.H«$./M.No./075899Place : Patna

E~rE_ E§S> Agmo{gEQ²g EbEbnr Ho$ {bEFor abm & associates LLP Chartered Accountants F.R.N./105016W/W-100015ApídZ ~r. _moM} (nmQ>©Za)Ashwin B. Morche (Partner) g.H«$./M.No./104126Place : Belgaum

ao E§S> ao Ho$ {bEFor Ray & Ray Chartered Accountants F.R.N./301072EZ~{ZVm Kmof (nmQ>©Za) Nabanita Ghosh (Partner) g.H«$./M.No. 058477Place : Kolkata

E Ama E§S> H§$. Ho$ {bEFor A R & Co. Chartered Accountants F.R.N./002744C ndZ Ho$. Jmo`b (nmQ>©Za) Pawan K. Goel (Partner) g.H«$./M.No. 072209Place : Chennai

am__y{V© (EZ) E§S> H§$nZr Ho$ {bE For Ramamoorthy (N) & Co. Chartered Accountants F.R.N./0028995gwaoÝÐZmW ^maVr (nmQ>©Za)Surendranath Bharathi ( Partner ) g.H«$./M.No.023837Place : Hyderabad

_w§å~B©… 29 OyZ, 2021Mumbai: 29th June, 2021 gZXr boImH$ma

CHARTERED ACCOUNTANTS

207


64 th

dt

FORM A- BSBALANCE SHEET AS AT 31ST MARCH, 2021



Hw$bTotal





^maV ‘|In India


3029325.45 2841100.06 8250.41 8772.77 0.00 2858123.24

14890777.50 14274103.97 7104.56 77189.98 0.00 14358398.57

17920102.95 17115204.03 15354.97 85962.75 0.00 17216521.75

6791017.85 5959987.12 34438.33 218333.01 (84.98) 6212673.48

1494305.60 1763755.05 324.84 0.00 0.00 1764079.89

8285323.45 7723742.17 34763.17 218333.01 (84.98) 7976753.37

9634779.50 93914610.86 (19408.20) (132370.26) 84.98 9239768.38

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

372890244.40 305071259.58 379640.03 6916391.45 5957.08 312373248.14

E_. Ama. Hw$_maM. R. Kumar

AÜ`jChairman

amO Hw$_maRaj Kumar

à~§Y {ZXoeH$Managing Director

{gÕmW© _hmpÝVSiddhartha Mohanty

Xodoe lrdmñVdmDevesh Srivastava

{ZJ_ Ho$ gXñ`Members of the Corporation

ew^m§Jr g§. gmo_UShubhangi S. Soman

H$m`©H$mar {ZXoeH$ ({dÎm Ed§ boIm)Exective Directior (F&A)

{XZoe n§VDinesh Pant

{Z`wº$ ~r_m§H$H$Appointed Actuary

}

208


64 th

dt

’$m°‘© E-AmaE

31 ‘mM© 2021 H$mo g‘má df© Ho$ {bE amOñd ImVmREVENUE ACCOUNT FOR THE YEAR ENDED 31ST MARCH, 2021

^maV _o§ {H$`o JE ì`dgm` Ho$ g§~§Y _o§ / IN RESPECT OF BUSINESS IN INDIA

~r‘mH$Vm© H$m Zm‘ : ^maVr¶ OrdZ ~r‘m {ZJ‘n§OrH$aU H$s g§»¶m 512 VWm VmarI : 01.01.2001

{ddaUParticulars

AZwgwMrSchedule

J¡a-g§~Õ ì¶dgm¶Non-Linked Business

OrdZ ì`dgm` Life Business

noÝeZ ì`dgm`Pension Business

gh^mJrParticipating

J¡a-gh^mJrNon-Participating

gh^mJrParticipating


A{O©V ewÕ àr{‘¶‘ Premiums earned - net

(H$) {à{‘¶‘

(a) Premium 1 24381484.46 4070971.93 58060.16 9572357.27

(I) nwZ~u‘m A§VaU

(b) Reinsurance ceded (10066.36) (26759.44) (13.82) 0.00

(J) nwZ~u‘m ñdrH$ma

(c) Reinsurance accepted 0.00 0.00 0.00 0.00

Cn-¶moJ / Sub-Total 24371418.10 4044212.49 58046.34 9572357.27

{Zdoe go Am¶/ Income from Investments

(H$) ã¶mO, bm^m§e Ed§ {H$am¶m, Hw$b

(a) Interest, Dividends & Rent - Gross 16398266.30 2009601.96 226813.12 3694930.53

(I) {Zdoe H r {~H«$s / ‘moMZ na bm^

(b) Profit on sale/redemption of investments 3516902.87 200704.51 78.98 425536.78

(J) ({Zdoe H r {dH«$s / ‘moMZ na hm{Z)

(c) (Loss on sale/redemption of investments) (212957.72) (100846.85) (1819.04) (169919.48)

(K) nwZ‘y©ë¶mH§$Z/ghr ‘yë¶ n[adV©Z na A§VaU/bm^*

(d) Transfer/Gain on revaluation/change in fair value* 0.00 0.00 0.00 0.00

(L>) AÝ¶ Am¶ (e) Other Income

(i) dmng {bIr JB© am{e¶m± Amounts written back 675.96 (0.15) (3.22) (1.24)

(ii) {d{dY àmpßV`m± Sundry Receipts (2775.89) 49318.68 0.02 12404.95

(iii) A§eYmaH$mo Ho$ ImVo go AÝ` Ho$ {b`o `moJXmZ

Contribution from Shareholders' Account towards others 0.00 0.00 0.00 0.00

Hw$b (H$) TOTAL (A) 44071529.62 6202990.64 283116.20 13535308.81

H$‘reZ Commission 2 2147194.11 11809.23 887.55 17.08

~r‘m ì¶dgm¶ go g§~§{YV n[aMmbZ IM©

Operating Expenses related to Insurance Business 3 3295550.28 89636.60 6476.87 24531.32

{QßnUr … CnamoŠV AmH$Smo§ _o§ g§~Û ì`dgm` _o§ J¡a-gh^mJr `moOZmE§ h¡, O¡go ~r_m ßbg, â`yMa ßbg, OrdZ ßbg, _Zr ßbg, _mHo$©Q ßbg, \$m°À`w©Z ßbg, n«m°{\$Q> ßbg, _Zr ßbg-1,_mH©o$Q ßbg-1, MmB©ëS \$m°À`w©Z 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 A°Ý`wEeZ ßbg&Note: The above figures include Linked business and Linked Business comprises of non-participating plans, viz. Bima Plus, Future Plus, Jeevan Plus, Money Plus, Market Plus, Fortune Plus, Profit Plus, Money Plus1, Market Plus1,Child Fortune Plus,Jeevan Sathi Plus, Wealth Plus, Pension Plus, Endowment Plus, Samriddhi Plus, Flexi Plus, Health Plus, Health Protection Plus, New Endowment Plus, LIC's SIIP/Nivesh Plus, Gratuity Plus and Superannuation Plus,

209


64 th

dt

FORM A- RAName of the Insurer: Life Insurance Corporation of India


nm°{b{gYmaH$mo§ H$m boIm (VH$ZrH$r boIm)Policyholders’ Account (Technical Account)


g§~Õ ì¶dgm¶Linked Business

Hw$b (Mmby df©)Total (Current Year)

dm{f©H$r ì`dgm`Annuity Business

n[adV©Zr` ì`dgm`Variable Business

hoëW ì`dgm`Health Business

J¡a-g§~Õ ì¶dgm¶ Hw$b (Mmby df©)Non-Linked Total (Current Year)

gh^mJrParticipating




gh^mJrParticipating



gh^mJrParticipating


350.63 2029532.01 2086.73 33823.76 24439895.25 15708771.70 139954.50 24439895.25 15848726.20

0.00 0.00 0.00 (6004.49) (10080.18) (32763.93) (1332.16) (10080.18) (34096.09)

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

350.63 2029532.01 2086.73 27819.27 24429815.07 15676007.77 138622.34 24429815.07 15814630.11

13658.84 636727.51 4707.61 4049.65 16638738.26 6350017.26 434780.82 16638738.26 6784798.08

2047.63 46.40 1390.50 0.58 3519029.48 627678.77 304564.74 3519029.48 932243.51

(945.82) (4976.82) (55.17) (27.47) (215722.58) (275825.79) (138509.17) (215722.58) (414334.96)

0.00 0.00 0.00 0.00 0.00 0.00 584903.83 0.00 584903.83

0.00 0.00 0.00 0.00 672.74 (1.39) 0.00 672.74 (1.39)

5.88 0.04 (78.30) 0.81 (2769.99) 61646.18 (17.03) (2769.99) 61629.15

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

15117.16 2661329.14 8051.37 31842.84 44369762.98 22439522.80 1324345.53 44369762.98 23763868.33

8.69 45593.51 61.95 5151.02 2148090.35 62632.79 4066.72 2148090.35 66699.51

570.08 42832.85 50.93 17062.54 3302597.23 174114.24 17807.66 3302597.23 191921.90

210


64 th

dt



{ddaUParticulars

AZwgwMrSchedule




gh^mJrParticipating


gh^mJrParticipating


AÝ` ì`` … {d{Z`_ Other Expenses: Exchange (15.36) 0.00 0.00 0.00

{Z{Y n«~§YZ n«^ma Ed§ AÝ` n«^ma na dñVw Ed§ godm H$a

GST 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 890344.43 (3.51) 0.00 (1.43)

H$amYmZ Ho$ {bE n«mdYmZ Provisions for taxation 794419.53 0.00 0.00 0.00 n«mdYmZ (H$amYmZ Ho$ A{V{aŠV)

Provisions (other than taxation)

(H$) {Zdoe Ho$ _yë` (ewÕ) _o§ H$_r Ho$ {bE(a) For diminution in the value of investments (Net) 457986.48 331.87 0.00 458.10

(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 (911322.17) 57110.62 (683.70) 6084.04

Hw$b (I)/ TOTAL (B) 6674157.30 158884.81 6680.72 31089.11

AXm {H$`m J`m bm^ (ewÕ)Benefits paid (Net) 4 16916742.18 3901408.97 220271.23 5826293.28

AXm {H$`m J`m A§V{a_ ~moZgInterim Bonuses Paid 222472.91 0.00 60.14 0.00

OrdZ nm°{b{g`mo§ Ho$ g~§Õ _o§ Xm{`Ëd _yë`m§H$Z _o§ n{adV©ZChange in valuation of liability in respect of life policies

(H$) Hw$b** (a) Gross** 19969597.20 2142696.86 56104.11 7677926.42

(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§VaUTransfer to provision for Linked Liabilities 0.00 0.00 0.00 0.00

^{dî` Ho$ {d{Z`moOZ {Z{Y`mo§ _o§ A§VaUTransfer to Funds for Future Appropriations 0.00 0.00 0.00 0.00

~§X H$aZo {Z{Y`mo§ H$mo A§VaUTransfer to Funds for Discontinued Fund

Hw$b (J)/TOTAL (C) 37108812.29 6044105.83 276435.48 13504219.70

A{Yeof/(KmQm) (K)=(H$)-(I)-(J)

SURPLUS/(DEFICIT) (D) = (A)-(B)-(C) 288560.03 0.00 0.00 0.00

{d{Z`moOZ/APPROPRIATIONS

eo`aYmaH$mo§ Ho$ boIm _o§ A§VaU

Transfer to Shareholders' Account 288560.03 0.00 0.00 0.00

AÝ` Ama{jV {Z{Y`mo§ _o§ A§VaU$

Transfer to Other Reserves 0.00 0.00 0.00 0.00

^{dî` Ho$ {d{Z`moOZ {Z{Y`mo§ H$mo A§VaU

Balance being Funds for Future Appropriations 0.00 0.00 0.00 0.00

Hw$b (K)/TOTAL (D) 288560.03 0.00 0.00 0.00

211


64 th

dt









gh^mJrParticipating




gh^mJrParticipating



gh^mJrParticipating


0.00 0.00 0.00 0.00 (15.36) 0.00 0.00 (15.36) 0.00

0.00 0.00 0.00 0.00 0.00 0.00 9322.22 0.00 9322.22

(75.00) 0.00 0.00 0.00 890269.43 (4.94) 5536.11 890269.43 5531.17

0.00 0.00 0.00 0.00 794419.53 0.00 0.00 794419.53 0.00

0.00 0.00 0.00 0.00 457986.48 789.97 (5599.39) 457986.48 (4809.42)

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(1127.33) 1033.25 (18.00) 4.56 (913133.20) 64214.47 0.00 (913133.20) 64214.47

(623.56) 89459.61 94.88 22218.12 6680214.46 301746.53 31133.32 6680214.46 332879.85

37728.79 570092.05 23790.36 1913.10 17174742.20 10323497.76 928754.56 17174742.20 11252252.32

0.00 0.00 0.00 0.00 222533.05 0.00 0.00 222533.05 0.00

(21988.07) 2001777.48 (15833.87) 7711.62 20003713.24 11814278.51 321939.74 20003713.24 12136218.25

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 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 41661.23 0.00 41661.23

0.00 0.00 0.00 0.00 0.00 0.00 312.55 0.00 312.55

544.13 0.00 544.13

15740.72 2571869.53 7956.49 9624.72 37400988.49 22137776.27 1293212.21 37400988.49 23430988.48

0.00 0.00 0.00 0.00 288560.03 0.00 0.00 288560.03 0.00

0.00 0.00 0.00 0.00 288560.03 0.00 0.00 288560.03 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 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 288560.03 0.00 0.00 288560.03 0.00

212


64 th

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64 th

dt

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214


64 th

dt

’$m°‘© E-AmaE




{ddaUParticulars

AZwgwMrSchedule




gh^mJrParticipating


gh^mJrParticipating



(H$) {à{‘¶‘

(a) Premium 1 22715970.02 3313594.22 65070.34 10171144.41





Cn-¶moJ / Sub-Total 22705306.74 3297947.86 65054.50 10171144.41










(L>) AÝ` Am¶ (e) Other Income

(i) dmng {bIr JB© am{e`m± Amounts written back (518.73) (315.35) (25.36) (1.82)

(ii) {d{dY àm{á¶m± Sundry Receipts 95779.60 44164.94 0.02 8028.94

(iii) A§emYmaH$mo Ho$ ImVo go AÝ` Ho$ {bE `moJXmZ


Hw$b (H$) TOTAL (A) 40435501.06 5334643.87 282795.32 13465730.32

H$‘reZ Commission 2 2076876.07 10576.89 1677.29 9.18



{QßnUr … CnamoŠV AmH$Smo§ _o§ g§~Û ì`dgm` _o§ J¡a-gh^mJr `moOZmE§ h¡, O¡go ~r_m ßbg, â`yMa ßbg, OrdZ ßbg, _Zr ßbg, _mHo$©Q ßbg, \$m°À`w©Z ßbg, n«m°{\$Q> ßbg, _Zr ßbg-1,_mH©o$Q ßbg-1, MmB©ëS \$m°À`w©Z 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 A°Ý`wEeZ ßbg&Note: The above figures include Linked business and Linked Business comprises of non-participating plans, viz. Bima Plus, Future Plus, Jeevan Plus, Money Plus, Market Plus, Fortune Plus, Profit Plus, Money Plus1, Market Plus1,Child Fortune Plus,Jeevan Sathi Plus, Wealth Plus, Pension Plus, Endowment Plus, Samriddhi Plus, Flexi Plus, Health Plus, Health Protection Plus, New Endowment Plus, LIC's SIIP/Nivesh Plus, Gratuity Plus and Superannuation Plus,

215


64 th

dt











gh^mJrParticipating




gh^mJrParticipating



gh^mJrParticipating


449.08 1524079.30 3765.44 31487.96 22781489.44 15044071.33 75573.24 22781489.44 15119644.57

0.00 0.00 0.00 (5095.02) (10679.12) (20741.38) (1248.48) (10679.12) (21989.86)

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

449.08 1524079.30 3765.44 26392.94 22770810.32 15023329.95 74324.76 22770810.32 15097654.71

11113.34 528044.90 4571.41 3261.36 15415937.98 5727047.47 414115.53 15415937.98 6141163.00

220.05 2.50 98.39 0.03 2642400.17 139777.89 254061.32 2642400.17 393839.21

(29.86) (3108.20) (19.56) (24.02) (194335.01) (54593.34) (948562.49) (194335.01) (1003155.83)

0.00 0.00 0.00 0.00 0.00 0.00 116432.64 0.00 116432.64

(4.83) (13.19) (2.40) 0.00 (548.92) (332.76) 0.00 (548.92) (332.76)

0.67 0.60 (94.80) 1.44 95780.29 52101.12 (18.74) 95780.29 52082.38

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

11748.45 2049005.91 8318.48 29631.75 40730044.83 20887330.33 (89646.98) 40730044.83 20797683.35

10.12 34770.55 94.92 4964.82 2078563.48 50416.36 2495.94 2078563.48 52912.30

581.67 33557.18 86.29 15536.42 3227590.10 173129.24 20571.42 3227590.10 193700.66

216


64 th

dt



{ddaUParticulars

AZwgwMrSchedule




gh^mJrParticipating


gh^mJrParticipating






Provisions for Doubtful debts (44904.67) 67.44 0.00 (1.43)





(J) AÝ` (c) Others 614619.16 192500.16 354.74 100258.11

Hw$b (I)/ TOTAL (B) 6601253.55 297229.97 8784.38 130505.82




(H$) Hw$b** (a) Gross** 18661796.73 926545.44 76919.75 8166678.09






Hw$b (J)/TOTAL (C) 33564798.06 5037413.90 274010.94 13335224.50










Hw$b (K)/TOTAL (D) 269449.45 0.00 0.00 0.00

217


64 th

dt









gh^mJrParticipating




gh^mJrParticipating



gh^mJrParticipating


0.00 0.00 0.00 0.00 (6.25) 0.00 (0.01) (6.25) (0.01)

0.00 0.00 0.00 0.00 0.00 0.00 9827.52 0.00 9827.52

0.00 0.00 0.00 0.00 (44904.67) 66.01 1313.22 (44904.67) 1379.23

0.00 0.00 0.00 0.00 682184.00 0.00 0.00 682184.00 0.00

0.00 0.00 0.00 0.00 52229.16 376.09 12427.33 52229.16 12803.42

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(76.65) 96510.46 989.84 38.19 614897.25 390296.76 0.00 614897.25 390296.76

515.14 164838.19 1171.05 20539.43 6610553.07 614284.46 46635.42 6610553.07 660919.88

34993.53 486826.13 6516.05 1896.76 14967997.48 9774653.81 473217.71 14967997.48 10247871.52

0.00 0.00 0.00 0.00 167088.57 0.00 0.00 167088.57 0.00

(23760.22) 1397341.59 631.38 7195.56 18714956.26 10498392.06 301359.99 18714956.26 10799752.05

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 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 (911210.51) 0.00 (911210.51)

0.00 0.00 0.00 0.00 0.00 0.00 4.15 0.00 4.15

544.13 0.00 544.13

11233.31 1884167.72 7147.43 9092.32 33850042.31 20273045.87 (136282.40) 33850042.31 20136763.47

0.00 0.00 0.00 0.00 269449.45 0.00 0.00 269449.45 0.00

0.00 0.00 0.00 0.00 269449.45 0.00 0.00 269449.45 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 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 269449.45 0.00 0.00 269449.45 0.00

218


64 th

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51

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year

Life

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ty B

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0.

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0.

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16

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0.

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(d) T

otal

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[a+b

+c]:

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0.

00

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* Rep

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t, 19

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ve b

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even

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ccou

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ness

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ratio

n in

the

resp

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unts

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abo

ve fo

rm a

n in

tegr

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art o

f the

Rev

enue

Acc

ount

.

219


64 th

dt










am__y{V© (EZ) E§S> H§$nZr Ho$ {bE For Ramamoorthy (N) &Co. Chartered Accountants F.R.N./002899SgwaoÝÐZmW ^maVr (nmQ>©Za)Surendranath Bharathi ( Partner ) g.H«$./M.No.023837Place : Hyderabad


_w§å~B©… 29 OyZ, 2021 Mumbai: 29th June, 2021

gZXr boImH$ma CHARTERED ACCOUNTANTS


AÜ`jChairman

amO Hw$_maRaj Kumar









}

220


64 th

dt

’$m°‘© E-AmaE


^maV Ho$ ~mha {H$`o JE ì`dgm` Ho$ g§~§Y _o§ / IN RESPECT OF BUSINESS OUT OF INDIA


{ddaUParticulars

AZwgwMrSchedule




gh^mJrParticipating


gh^mJrParticipating



(H$) {à{‘¶‘

(a) Premium 1 38053.40 1219.32 0.00 0.00


(b) Reinsurance ceded (44.78) 0.00 0.00 0.00



Cn-¶moJ / Sub-Total 38008.62 1219.32 0.00 0.00







(c) (Loss on sale/redemption of investments) (487.94) 0.00 0.00 0.00




(i) dmng {bIr JB© am{e`m± Amounts written back (6.38) 0.00 0.00 0.00




Hw$b (H$) TOTAL (A) 83740.55 1235.11 0.00 0.00

H$‘reZ Commission 2 2201.84 0.00 0.00 0.00



{QßnUr … CnamoŠV AmH$Smo§ _o§ g§~Û ì`dgm` _o§ J¡a-gh^mJr `moOZmE§ h¡, O¡go ~r_m ßbg, â`yMa ßbg, OrdZ ßbg, _Zr ßbg, _mHo$©Q ßbg, \$m°À`w©Z ßbg, n«m°{\$Q> ßbg, _Zr ßbg-1,_mH©o$Q ßbg-1, MmB©ëS \$m°À`w©Z 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 A°Ý`wEeZ ßbg&

Note: The above figures include Linked business and Linked Business comprises of non-participating plans, viz. Bima Plus, Future Plus, Jeevan Plus, Money Plus, Market Plus, Fortune Plus, Profit Plus, Money Plus1, Market Plus1,Child Fortune Plus,Jeevan Sathi Plus, Wealth Plus, Pension Plus, Endowment Plus, Samriddhi Plus, Flexi Plus, Health Plus, Health Protection Plus, New Endowment Plus, LIC's SIIP/Nivesh Plus, Gratuity Plus and Superannuation Plus,

221


64 th

dt











gh^mJrParticipating




gh^mJrParticipating



gh^mJrParticipating


0.00 0.00 0.00 0.00 38053.40 1219.32 761.31 38053.40 1980.63

0.00 0.00 0.00 0.00 (44.78) 0.00 0.00 (44.78) 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 38008.62 1219.32 761.31 38008.62 1980.63

0.00 0.00 0.00 0.00 22452.40 15.79 136.20 22452.40 151.99

0.00 0.00 0.00 0.00 2059.22 0.00 150.56 2059.22 150.56

0.00 0.00 0.00 0.00 (487.94) 0.00 (61.99) (487.94) (61.99)

0.00 0.00 0.00 0.00 21189.70 0.00 1004.92 21189.70 1004.92

0.00 0.00 0.00 0.00 (6.38) 0.00 0.00 (6.38) 0.00

0.00 0.00 0.00 0.00 48.96 0.00 (98.57) 48.96 (98.57)

0.00 0.00 0.00 0.00 475.97 0.00 0.00 475.97 0.00

0.00 0.00 0.00 0.00 83740.55 1235.11 1892.43 83740.55 3127.54

0.00 0.00 0.00 0.00 2201.84 0.00 0.00 2201.84 0.00

0.00 0.00 0.00 0.00 4418.75 14.40 0.01 4418.75 14.41

222


64 th

dt


^maV _o§ {H$`o JE ì`dgm` Ho$ g§~§Y _o§ / IN RESPECT OF BUSINESS OUT OF INDIA

{ddaUParticulars

AZwgwMrSchedule




gh^mJrParticipating


gh^mJrParticipating


AÝ` ì`` … {d{Z`_ Other Expenses: Exchange 0.40 0.00 0.00 0.00




Provisions for Doubtful debts 52.49 0.00 0.00 0.00





(J) AÝ` (c) Others 5.73 0.00 0.00 0.00

Hw$b (I)/ TOTAL (B) 11012.79 14.40 0.00 0.00




(H$) Hw$b** (a) Gross** 34239.55 1214.51 0.00 0.00






Hw$b (J)/TOTAL (C) 72386.78 1220.71 0.00 0.00










Hw$b (K)/TOTAL (D) 340.98 0.00 0.00 0.00

223


64 th

dt









gh^mJrParticipating




gh^mJrParticipating



gh^mJrParticipating


0.00 0.00 0.00 0.00 0.40 0.00 (493.25) 0.40 (493.25)

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 52.49 0.00 0.00 52.49 0.00

0.00 0.00 0.00 0.00 4333.58 0.00 22.92 4333.58 22.92

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 0.00 0.00 0.00

0.00 0.00 0.00 0.00 5.73 0.00 0.00 5.73 0.00

0.00 0.00 0.00 0.00 11012.79 14.40 (470.32) 11012.79 (455.92)

0.00 68.99 0.00 0.00 37772.95 75.19 630.66 37772.95 705.85

0.00 0.00 0.00 0.00 374.28 0.00 0.00 374.28 0.00

0.00 (68.99) 0.00 0.00 34239.55 1145.52 (37.68) 34239.55 1107.84

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 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 1769.77 0.00 1769.77

0.00 0.00 0.00 0.00 0.00 0.00 4.15 0.00 4.15

0.00 0.00 0.00

0.00 0.00 0.00 0.00 72386.78 1220.71 2362.75 72386.78 3583.46

0.00 0.00 0.00 0.00 340.98 0.00 0.00 340.98 0.00

0.00 0.00 0.00 0.00 340.98 0.00 0.00 340.98 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 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 340.98 0.00 0.00 340.98 0.00

224


64 th

dt

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225


64 th

dt

(` in

lakh

s)

Tota

l Sur

plus

dur

ing

the

year

Life

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ines

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: 37

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0.00

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0.

00

0.00

0.

00

374.

28

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(b) A

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0.

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0.

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0.

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6478

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98

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0.

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0.

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0.

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34

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0.

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(d) T

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plus

[a+b

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0.

00

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0.

00

0.00

0.

00

0.00

71

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2 0.

00

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atic

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t, 19

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e ce

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ears

from

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rpor

atio

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ooks

of a

ccou

nts

(a)

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xpen

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n re

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ife in

sura

nce

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ness

tran

sact

ed b

y th

e Co

rpor

atio

n ha

ve b

een

fully

deb

ited

to th

e R

even

ue A

ccou

nt- P

artic

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ness

tra

nsac

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by t

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orpo

ratio

n in

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ve b

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n in

the

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unts

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enue

Acc

ount

.

226


64 th

dt

’$m°‘© E-AmaE


^maV Ho$ ~mha {H$`o JE ì`dgm` Ho$ g§~§Y _o§ / IN RESPECT OF BUSINESS OUT OF INDIA


{ddaUParticulars

AZwgwMrSchedule




gh^mJrParticipating


gh^mJrParticipating



(H$) {à{‘¶‘

(a) Premium 1 36041.62 1199.24 0.00 0.00


(b) Reinsurance ceded (35.21) 0.00 0.00 0.00



Cn-¶moJ / Sub-Total 36006.41 1199.24 0.00 0.00







(c) (Loss on sale/redemption of investments) (159.45) 0.00 0.00 0.00




(i) dmng {bIr JB© am{e`m± Amounts written back (27.45) 0.00 0.00 0.00




Hw$b (H$) TOTAL (A) 59028.17 1211.15 0.00 0.00

H$‘reZ Commission 2 2335.63 22.62 0.00 0.00





227


64 th

dt











gh^mJrParticipating




gh^mJrParticipating



gh^mJrParticipating


0.00 0.00 0.00 0.00 36041.62 1199.24 585.03 36041.62 1784.27

0.00 0.00 0.00 0.00 (35.21) 0.00 0.00 (35.21) 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 36006.41 1199.24 585.03 36006.41 1784.27

0.00 0.00 0.00 0.00 21220.47 11.91 162.56 21220.47 174.47

0.00 0.00 0.00 0.00 987.36 0.00 83.60 987.36 83.60

0.00 0.00 0.00 0.00 (159.45) 0.00 (36.21) (159.45) (36.21)

0.00 0.00 0.00 0.00 356.84 0.00 (380.42) 356.84 (380.42)

0.00 0.00 0.00 0.00 (27.45) 0.00 0.00 (27.45) 0.00

0.00 0.00 0.00 0.00 32.54 0.00 (88.35) 32.54 (88.35)

0.00 0.00 0.00 0.00 611.45 0.00 0.00 611.45 0.00

0.00 0.00 0.00 0.00 59028.17 1211.15 326.21 59028.17 1537.36

0.00 0.00 0.00 0.00 2335.63 22.62 0.00 2335.63 22.62

0.00 0.00 0.00 0.00 4389.92 2.62 0.01 4389.92 2.63

228


64 th

dt


^maV _o§ {H$`o JE ì`dgm` Ho$ g§~§Y _o§ / IN RESPECT OF BUSINESS OUT OF INDIA

{ddaUParticulars

AZwgwMrSchedule




gh^mJrParticipating


gh^mJrParticipating






Provisions for Doubtful debts 142.65 0.00 0.00 0.00





(J) AÝ` (c) Others 0.32 0.00 0.00 0.00

Hw$b (I)/ TOTAL (B) 7061.19 25.24 0.00 0.00




(H$) Hw$b** (a) Gross** 12930.61 1085.81 0.00 0.00






Hw$b (J)/TOTAL (C) 51642.14 1185.91 0.00 0.00










Hw$b (K)/TOTAL (D) 324.84 0.00 0.00 0.00

229


64 th

dt









gh^mJrParticipating




gh^mJrParticipating



gh^mJrParticipating


0.00 0.00 0.00 0.00 (0.79) 0.00 (221.36) (0.79) (221.36)

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 142.65 0.00 0.00 142.65 0.00

0.00 0.00 0.00 0.00 193.46 0.00 15.83 193.46 15.83

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 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.32 0.00 0.00 0.32 0.00

0.00 0.00 0.00 0.00 7061.19 25.24 (205.52) 7061.19 (180.28)

0.00 72.47 0.00 0.00 38463.09 172.57 384.80 38463.09 557.37

0.00 0.00 0.00 0.00 248.44 0.00 0.00 248.44 0.00

0.00 (72.47) 0.00 0.00 12930.61 1013.34 (29.62) 12930.61 983.72

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 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 176.55 0.00 176.55

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 51642.14 1185.91 531.73 51642.14 1717.64

0.00 0.00 0.00 0.00 324.84 0.00 0.00 324.84 0.00

0.00 0.00 0.00 0.00 324.84 0.00 0.00 324.84 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 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 324.84 0.00 0.00 324.84 0.00

230


64 th

dt

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: 24

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0.

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248.

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(b) A

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3 0.

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84

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32

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otal

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67

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.

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40-B

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38 w

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n re

spec

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ife in

sura

nce

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ness

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e Co

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ve b

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ness

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the

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dule

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erre

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abo

ve fo

rm a

n in

tegr

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art o

f the

Rev

enue

Acc

ount

.

231


64 th

dt















AÜ`jChairman

amO Hw$_maRaj Kumar









}

232


64 th

dt

’$m°‘© E-AmaE


^maV Ho$ ~mha {H$`o JE ì`dgm` Ho$ g§~§Y _o§ / IN RESPECT OF TOTAL BUSINESS


{ddaUParticulars

AZwgwMrSchedule




gh^mJrParticipating


gh^mJrParticipating



(H$) {à{‘¶‘

(a) Premium 1 24419537.86 4072191.25 58060.16 9572357.27





Cn-¶moJ / Sub-Total 24409426.72 4045431.81 58046.34 9572357.27











(i) dmng {bIr JB© am{e`m± Amounts written back 669.58 (0.15) (3.22) (1.24)

(ii) {d{dY àm{á¶m± Sundry Receipts (2726.93) 49318.68 0.02 12404.95



Hw$b (H$) TOTAL (A) 44155270.17 6204225.75 283116.20 13535308.81

H$‘reZ Commission 2 2149395.95 11809.23 887.55 17.08





233


64 th

dt











gh^mJrParticipating




gh^mJrParticipating



gh^mJrParticipating


350.63 2029532.01 2086.73 33823.76 24477948.65 15709991.02 140715.81 24477948.65 15850706.83

0.00 0.00 0.00 (6004.49) (10124.96) (32763.93) (1332.16) (10124.96) (34096.09)

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

350.63 2029532.01 2086.73 27819.27 24467823.69 15677227.09 139383.65 24467823.69 15816610.74

13658.84 636727.51 4707.61 4049.65 16661190.66 6350033.05 434917.02 16661190.66 6784950.07

2047.63 46.40 1390.50 0.58 3521088.70 627678.77 304715.30 3521088.70 932394.07

(945.82) (4976.82) (55.17) (27.47) (216210.52) (275825.79) (138571.16) (216210.52) (414396.95)

0.00 0.00 0.00 0.00 21189.70 0.00 585908.75 21189.70 585908.75

0.00 0.00 0.00 0.00 666.36 (1.39) 0.00 666.36 (1.39)

5.88 0.04 (78.30) 0.81 (2721.03) 61646.18 (115.60) (2721.03) 61530.58

0.00 0.00 0.00 0.00 475.97 0.00 0.00 475.97 0.00

15117.16 2661329.14 8051.37 31842.84 44453503.53 22440757.91 1326237.96 44453503.53 23766995.87

8.69 45593.51 61.95 5151.02 2150292.19 62632.79 4066.72 2150292.19 66699.51

570.08 42832.85 50.93 17062.54 3307015.98 174128.64 17807.67 3307015.98 191936.31

234


64 th

dt


^maV _o§ {H$`o JE ì`dgm` Ho$ g§~§Y _o§ / IN RESPECT OF TOTAL BUSINESS

{ddaUParticulars

AZwgwMrSchedule




gh^mJrParticipating


gh^mJrParticipating






Provisions for Doubtful debts 890396.92 (3.51) 0.00 (1.43)





(J) AÝ` (c) Others (911316.44) 57110.62 (683.70) 6084.04

Hw$b (I)/ TOTAL (B) 6685170.09 158899.21 6680.72 31089.11




(H$) Hw$b** (a) Gross** 20003836.75 2143911.37 56104.11 7677926.42






Hw$b (J)/TOTAL (C) 37181199.07 6045326.54 276435.48 13504219.70










Hw$b (K)/TOTAL (D) 288901.01 0.00 0.00 0.00

235


64 th

dt






n[adV©Zr` ì`dgm`

Variable Business



gh^mJrParticipating




gh^mJrParticipating



gh^mJrParticipating


0.00 0.00 0.00 0.00 (14.96) 0.00 (493.25) (14.96) (493.25)

0.00 0.00 0.00 0.00 0.00 0.00 9322.22 0.00 9322.22

(75.00) 0.00 0.00 0.00 890321.92 (4.94) 5536.11 890321.92 5531.17

0.00 0.00 0.00 0.00 798753.11 0.00 22.92 798753.11 22.92

0.00 0.00 0.00 0.00 457986.48 789.97 (5599.39) 457986.48 (4809.42)

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(1127.33) 1033.25 (18.00) 4.56 (913127.47) 64214.47 0.00 (913127.47) 64214.47

(623.56) 89459.61 94.88 22218.12 6691227.25 301760.93 30663.00 6691227.25 332423.93

37728.79 570161.04 23790.36 1913.10 17212515.15 10323572.95 929385.22 17212515.15 11252958.17

0.00 0.00 0.00 0.00 222907.33 0.00 0.00 222907.33 0.00

(21988.07) 2001708.49 (15833.87) 7711.62 20037952.79 11815424.03 321902.06 20037952.79 12137326.09

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 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 43431.00 0.00 43431.00

0.00 0.00 0.00 0.00 0.00 0.00 312.55 0.00 312.55

544.13 0.00 544.13

15740.72 2571869.53 7956.49 9624.72 37473375.27 22138996.98 1295574.96 37473375.27 23434571.94

0.00 0.00 0.00 0.00 288901.01 0.00 0.00 288901.01 0.00

0.00 0.00 0.00 0.00 288901.01 0.00 0.00 288901.01 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 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 288901.01 0.00 0.00 288901.01 0.00

236


64 th

dt

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237


64 th

dt

(` in

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Tota

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plus

dur

ing

the

year

Life

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n Bu

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Non

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(a) I

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: 22

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60

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22

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(b) A

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5489

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(c) S

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e Re

venu

e ac

coun

ts:

2889

01.0

1 0.

00

0.00

0.

00

0.00

0.

00

0.00

0.

00

2889

01.0

1 0.

00

(d) T

otal

Sur

plus

[a+b

+c]:

5982

629.

71

0.00

18

180.

80

0.00

11

6.99

0.

00

0.00

0.

00

6000

927.5

0 0.

00

* Rep

rese

nts t

he d

eem

ed re

alis

ed g

ain

as p

er n

orm

s spe

cifie

d by

the

Auth

ority

.

** R

epre

sent

s Mat

hem

atic

al R

eser

ves a

fter

allo

catio

n of

bon

us.

As re

quire

d by

Sec

tion

40-B

(4) o

f the

Insu

ranc

e Ac

t, 19

38 w

e ce

rtify

that

to th

e be

st o

f our

kno

wle

dge

and

belie

f and

acc

ordi

ng to

the

info

rmat

ion

and

expl

anat

ions

giv

en to

us a

nd so

far a

s app

ears

from

our

exa

min

atio

n

of th

e Co

rpor

atio

n's b

ooks

of a

ccou

nts

(a)

all e

xpen

ses o

f man

agem

ent i

n re

spec

t of l

ife in

sura

nce

busi

ness

tran

sact

ed b

y th

e Co

rpor

atio

n ha

ve b

een

fully

deb

ited

to th

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even

ue A

ccou

nt- P

artic

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atin

g as

exp

ense

s.

(b)

all c

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ife In

sura

nce

Busi

ness

tra

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n in

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Bus

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ve b

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ited

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n in

the

resp

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Acco

unts

.

The

Sche

dule

s ref

erre

d to

abo

ve fo

rm a

n in

tegr

al p

art o

f the

Rev

enue

Acc

ount

.

238


64 th

dt

’$m°‘© E-AmaE


^maV Ho$ ~mha {H$`o JE ì`dgm` Ho$ g§~§Y _o§ / IN RESPECT OF TOTAL BUSINESS


{ddaUParticulars

AZwgwMrSchedule




gh^mJrParticipating


gh^mJrParticipating



(H$) {à{‘¶‘

(a) Premium 1 22752011.64 3314793.46 65070.34 10171144.41





Cn-¶moJ / Sub-Total 22741313.15 3299147.10 65054.50 10171144.41











(i) dmng {bIr JB© am{e`m± Amounts written back (546.18) (315.35) (25.36) (1.82)




Hw$b (H$) TOTAL (A) 40494529.23 5335855.02 282795.32 13465730.32

H$‘reZ Commission 2 2079211.70 10599.51 1677.29 9.18





239


64 th

dt











gh^mJrParticipating




gh^mJrParticipating



gh^mJrParticipating


449.08 1524079.30 3765.44 31487.96 22817531.06 15045270.57 76158.27 22817531.06 15121428.84

0.00 0.00 0.00 (5095.02) (10714.33) (20741.38) (1248.48) (10714.33) (21989.86)

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

449.08 1524079.30 3765.44 26392.94 22806816.73 15024529.19 74909.79 22806816.73 15099438.98

11113.34 528044.90 4571.41 3261.36 15437158.45 5727059.38 414278.09 15437158.45 6141337.47

220.05 2.50 98.39 0.03 2643387.53 139777.89 254144.92 2643387.53 393922.81

(29.86) (3108.20) (19.56) (24.02) (194494.46) (54593.34) (948598.70) (194494.46) (1003192.04)

0.00 0.00 0.00 0.00 356.84 0.00 116052.22 356.84 116052.22

(4.83) (13.19) (2.40) 0.00 (576.37) (332.76) 0.00 (576.37) (332.76)

0.67 0.60 (94.80) 1.44 95812.83 52101.12 (107.09) 95812.83 51994.03

0.00 0.00 0.00 0.00 611.45 0.00 0.00 611.45 0.00

11748.45 2049005.91 8318.48 29631.75 40789073.00 20888541.48 (89320.77) 40789073.00 20799220.71

10.12 34770.55 94.92 4964.82 2080899.11 50438.98 2495.94 2080899.11 52934.92

581.67 33557.18 86.29 15536.42 3231980.02 173131.86 20571.43 3231980.02 193703.29

240


64 th

dt


^maV _o§ {H$`o JE ì`dgm` Ho$ g§~§Y _o§ / IN RESPECT OF TOTAL BUSINESS

{ddaUParticulars

AZwgwMrSchedule




gh^mJrParticipating


gh^mJrParticipating






Provisions for Doubtful debts (44762.02) 67.44 0.00 (1.43)





(J) AÝ` (c) Others 614619.48 192500.16 354.74 100258.11

Hw$b (I)/ TOTAL (B) 6608314.74 297255.21 8784.38 130505.82




(H$) Hw$b** (a) Gross** 18674727.34 927631.25 76919.75 8166678.09






Hw$b (J)/TOTAL (C) 33616440.20 5038599.81 274010.94 13335224.50










Hw$b (K)/TOTAL (D) 269774.29 0.00 0.00 0.00

241


64 th

dt






n[adV©Zr` ì`dgm`

Variable Business



gh^mJrParticipating




gh^mJrParticipating



gh^mJrParticipating


0.00 0.00 0.00 0.00 (7.04) 0.00 (221.37) (7.04) (221.37)

0.00 0.00 0.00 0.00 0.00 0.00 9827.52 0.00 9827.52

0.00 0.00 0.00 0.00 (44762.02) 66.01 1313.22 (44762.02) 1379.23

0.00 0.00 0.00 0.00 682377.46 0.00 15.83 682377.46 15.83

0.00 0.00 0.00 0.00 52229.16 376.09 12427.33 52229.16 12803.42

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(76.65) 96510.46 989.84 38.19 614897.57 390296.76 0.00 614897.57 390296.76

515.14 164838.19 1171.05 20539.43 6617614.26 614309.70 46429.90 6617614.26 660739.60

34993.53 486898.60 6516.05 1896.76 15006460.57 9774826.38 473602.51 15006460.57 10248428.89

0.00 0.00 0.00 0.00 167337.01 0.00 0.00 167337.01 0.00

(23760.22) 1397269.12 631.38 7195.56 18727886.87 10499405.40 301330.37 18727886.87 10800735.77

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 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 (911033.96) 0.00 (911033.96)

0.00 0.00 0.00 0.00 0.00 0.00 4.15 0.00 4.15

346.26 0.00 346.26

11233.31 1884167.72 7147.43 9092.32 33901684.45 20274231.78 (135750.67) 33901684.45 20138481.11

0.00 0.00 0.00 0.00 269774.29 0.00 0.00 269774.29 0.00

0.00 0.00 0.00 0.00 269774.29 0.00 0.00 269774.29 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 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 269774.29 0.00 0.00 269774.29 0.00

242


64 th

dt

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: 16

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0.

00

0.00

0.

00

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16

7337

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(b) A

lloca

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: 51

0813

7.27

0.

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1744

6.24

0.

00

128.

05

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0.

00

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51

2571

1.56

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(c) S

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venu

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2697

74.2

9 0.

00

0.00

0.

00

0.00

0.

00

0.00

0.

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2697

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(d) T

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5545

190.

28

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17

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53

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12

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00

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5562

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t, 19

38 w

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to th

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st o

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kno

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dge

and

belie

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acc

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ng to

the

info

rmat

ion

and

expl

anat

ions

giv

en to

us a

nd so

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exa

min

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of th

e Co

rpor

atio

n's b

ooks

of a

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(a)

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ife in

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Busi

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enue

Acc

ount

.

243


64 th

dt















AÜ`jChairman

amO Hw$_maRaj Kumar









}

244


64 th

dt


{ddaU Particulars AZwgyMr Schedule



^maV ‘|In India


^maV ‘|In India


nm°{b{gYmaH$m| Ho$ boIm (VH$ZrH$s boIm) go eof H$mo

AJ«o{fV : Amounts transferred from/to the Policyholders Account (Technical Account): 288560.03 340.98 0.00 0.00


(H$) ã¶mO, bm^m§e Ed§ {H$am¶m-Hw$b


(I) {Zdoe H$s {~H«$s/‘moMZ na bm^


(J) {Zdoe H$s {~H«$s/‘moMZ na hm{Z

(c) (Loss on sale/redemption of investments) (11.32) (79.68) 0.00 0.00

AÝ¶ Am¶ : gm‘mÝ¶ Ama{jV {ZYr go A§VaU

Other Income :Transfer from General Reseve 0.00 0.00 0.00 0.00

Hw$b(H$) TOTAL (A) 289982.53 1217.28 0.00 0.00

~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 46.40 0.00 0.00

insurance business

nm°{bgrYmaH$mo Ho$ ImVo _| AÝ` Ho$ à{V `moJXmZ

Contribution to policy holders Account to wards Others 0.00 475.97 0.00 0.00

àmdYmZ (H$amYmZ Ho$ A{V[aº$)

Provisions (Other than taxation) 0.00 0.00 0.00 0.00

(H$) {Zdoe Ho$ ‘yë¶ ‘| ewÕ H$‘r

(a) For diminution in the value of investments (Net) 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

(J) AÝ¶ (ã¶moam XoZm h¡)

(c) Others (to be specified) 0.00 0.00 0.00 0.00

Hw$b(I) TOTAL (B) 0.00 522.37 0.00 0.00

bm^/hm{Z H$a nyd©/ Profit/(Loss) before tax 289982.53 694.91 0.00 0.00

H$amYmZ H$m àmdYmZ Provision for Taxation 497.08 123.68 0.00 0.00

bm^/(hm{Z) H$a àíMmV Profit/Loss after tax 289485.45 571.23 0.00 0.00

{d{Z¶moOZ / APPROPRIATIONS

(H$) df© Ho àma¨^ _o eof

(a) Balance at the begining of the year 0.00 0.00 0.00 0.00 (I) df© Ho$ Xm¡amZ àXÎm A§V{a‘ bm^m§e (5% ‘yë¶m§H$Z A{Yeof Ho$ÝÐr¶ gaH$ma H$mo àXÎm)(b) Interim Dividends paid during the year 0.00 0.00 0.00 0.00

(5% Valuation surplus paid to Central Government)

’$m°‘© E-nrEb FORM A- PL

31 ‘mM©, 2021 H$mo g‘má df© H$m g§~{YV bm^-hm{Z boImPROFIT & LOSS ACCOUNT FOR THE YEAR ENDED 31ST MARCH, 2021


245


64 th

dt



Hw$bTotal





^maV ‘|In India


288901.01 269449.45 324.84 0.00 0.00 269774.29

1777.65 1413.14 2106.96 0.00 0.00 3520.10

612.15 0.00 212.09 0.00 0.00 212.09

(91.00) (11.32) (176.53) 0.00 0.00 (187.85)

0.00 0.00 0.00 0.00 0.00 0.00

291199.81 270851.27 2467.36 0.00 0.00 273318.63

46.40 0.06 44.97 0.00 0.00 45.03

475.97 0.00 611.45 0.00 0.00 611.45

0.00 0.00 587.52 0.00 0.00 587.52

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00

522.37 0.06 1243.94 0.00 0.00 1244.00

290677.44 270851.21 1223.42 0.00 0.00 272074.63

620.76 489.85 313.98 0.00 0.00 803.83

290056.68 270361.36 909.44 0.00 0.00 271270.80

0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00


eo¶aYmaH$m| H$m boIm (J¡a-VH$ZrH$s boIm)Shareholders’ Account (Non-technical Account)

Name of the Insurer: Life Insurance Corporation of India


246


64 th

dt


{ddaU Particulars AZwgyMr Schedule



^maV ‘|In India


^maV ‘|In India


(J) àñVm{dV A§{V‘ bm^m§e (c) Proposed final dividend 0.00 0.00 0.00 0.00

(K) bm^m§e {dVaU na H$a (d) Dividend distribution on tax 0.00 0.00 0.00 0.00

(L>) gm‘mÝ¶ Ama{jV{Z{Y H$mo A§VaU (e) Transfer to General Reserve

289485.45 571.23 0.00 0.00

VwbZ-nÌ H$mo AJ«o{fV bm^ Profit carried forward to the Balance Sheet 0.00 0.00 0.00 0.00

31 ‘mM©, 2021 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, 2021






AÜ`jChairman

amO Hw$_maRaj Kumar









}











247


64 th

dt



Hw$bTotal





^maV ‘|In India


0.00 269449.45 324.84 0.00 0.00 269774.29

0.00 0.00 0.00 0.00 0.00 0.00

290056.68 911.91 584.60 0.00 0.00 1496.51

0.00 0.00 0.00 0.00 0.00 0.00

31 ‘mM©, 2021 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) Shareholders’ Account (Non-technical Account)


248


64 th

dt

{dda

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gm¶

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J¡a-g§~Õ ì`dgm`

Non-linkedBusiness

g§~Õ ì`dgm`Linked

Business

Hw$bTOTAL

J¡a-g§~Õ ì`dgm`

Non-linkedBusiness


Business

Hw$bTOTAL

A{^XÎm ny±Or(OrdZ ~r_m {ZJ_ A{Y{Z`_, 1956 Ho$ IÊS>5 Ho$ VhV Ho$ÝÐr` gaH$ma Ûmam àXÎm)Paid up Equity Capital

10000.00 0.00 10000.00 10000.00 0.00 10000.00

(Provided by the Central Government in terms of

Section 5 of the Life Insurance Corporation Act,1956)

Hw$bTotal 10000.00 0.00 10000.00 10000.00 0.00 10000.00

^maV _|In India

10000.00 0.00 10000.00 10000.00 0.00 10000.00


0.00 0.00 0.00 0.00 0.00 0.00

Hw$bTotal 10000.00 0.00 10000.00 10000.00 0.00 10000.00

AZwgyMr - 5 eo`a ny±Or : 31.03.2021

SCHEDULE - 5 SHARE CAPITAL: 31.03.2021(` bmImo§ _o§)(` in lakhs)

261


64 th

dt

AZwgyMr - 6 Ama{jV {Z{Y Ed§ A{Yeof (eo`aYmaH$m| Ho$) 31.03.2021

SCHEDULE 6 RESERVES & SURPLUS (SHAREHOLDERS): 31.03.2021(` bmImo§ _o§)(` in lakhs)

{ddaU Particulars



J¡a-g§~Õ ì`dgm`

Non-linkedBusiness


Business

Hw$bTOTAL

J¡a-g§~Õ ì`dgm`

Non-linkedBusiness


Business

Hw$bTOTAL

1 ny±Or Ama{jV {Z{Y / Capital Reserve 0.00 0.00 0.00 0.00 0.00 0.00

2 ny±Or _moMZ Ama{jV {Z{YCapital Redemption Reserve 0.00 0.00 0.00 0.00 0.00 0.00

3 eo`a àr{_`_ / Share Premium 0.00 0.00 0.00 0.00 0.00 0.00

4 nwZ_w©ë`m§H$Z Ama{jV {Z{YRevaluation Reserve

àma§{^H$ eof / Opening Balance 0.00 0.00 0.00 0.00 0.00 0.00

df© Ho$ Xm¡amZ `moJAdditions during the year 0.00 0.00 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 0.00 0.00

A§{V_ eof / Closing Balance 0.00 0.00 0.00 0.00 0.00 0.00

5 gm_mÝ` Ama{jV {Z{YGeneral Reserves

àma§{^H$ eofOpening Balance 62274.79 0.00 62274.79 55543.28 0.00 55543.28

df© Ho$ Xm¡amZ `moJ (Refer Note 26) Additions during the year (Refer Note 26)

bm^ hm{Z boIm go AJ«o{fVa) Transfer from Profit and Loss Account 290056.68 0.00 290056.68 1496.51 0.00 1496.51

df© 2019-2020 Ho$ {bE A{Yeof _| gaH$mar {hñgoXmarb) Retention of Government Share of Surplus for the year 2019-2020 269774.29 0.00 269774.29 0.00 0.00 0.00

df© 2019-2020 Ho$ {bE CRAC ì`dgm` _| gaH$mar {hñgoXmarc) Retention of Government share of Surplus of CRAC business for the year 2019-2020 199.16 0.00 199.16 0.00 0.00 0.00

df© 2020-2021 Ho$ {bE CRAC ì`dgm` _| gaH$mar {hñgoXmard) Retention of Government share of Surplus of CRAC business for the year 2020-2021 258.18 0.00 258.18 0.00 0.00 0.00

EbAmB©gr (qgJmnwa) _| àXÎm Aemnw§Ore) Capital Infusion to LIC (Singapore) Pte Ltd. 0.00 0.00 0.00 5235.00 0.00 5235.00



KQ>mE§ : bm^ hm{Z boIo _| Zm_o A{Yeof, `{X hmoLess : Debit balance in Profit and Loss Account, if any 0.00 0.00 0.00 0.00 0.00 0.00

KQ>mE§ : nwZ©IarX Ho$ [bE à`wŠV am{eLess: Amount utilized for Buy-back 0.00 0.00 0.00 0.00 0.00 0.00

6 AmnmVH$mbrZ Ama{jV {Z{YCatastrophe Reserve 0.00 0.00 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 (63.33) 0.00 (63.33) (74.69) 0.00 (74.69)

8 bm^-hm{Z boI| _| eof bm^ / Balance of profit in Profit and Loss 0.00 0.00 0.00 0.00 0.00 0.00

Account

Hw$b Total 622499.77 0.00 622499.77 62200.10 0.00 62200.10

^maV _| In India 594320.24 0.00 594320.24 34262.18 0.00 34262.18

^maV Ho$ ~mha Out of India 28179.53 0.00 28179.53 27937.92 0.00 27937.92

Hw$b Total 622499.77 0.00 622499.77 62200.10 0.00 62200.10

262


64 th

dt

AZwgyMr - 6 H$ ~r_m Ama{jV {Z{Y (nm°{b{gYmaH$mo§ Ho$) : 31.03.2021

SCHEDULE 6A INSURANCE RESERVES (POLICYHOLDERS): 31.03.2021

(` bmImo§ _o§)(` in lakhs)

{ddaU Particulars

Mmby df© Current Year {nN>bo df©Previous Year

J¡a-g§~Õ ì`dgm`

Non-linkedBusiness


Business

Hw$bTOTAL

J¡a-g§~Õ ì`dgm`

Non-linkedBusiness


Business

Hw$bTOTAL

1 ny±Or Ama{jV {Z{Y / Capital Reserve 0.00 0.00 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 0.00 0.00

3 eo`a àr{_`_/Share Premium 0.00 0.00 0.00 0.00 0.00 0.00

4 nwZ_w©ë`m§H$Z Ama{jV {Z{Y / Revaluation Reserve


df© Ho$ Xm¡amZ `moJ / Additions during the year 0.00 0.00 0.00 296377.71 0.00 296377.71

df© Ho$ Xm¡amZ H$Q>m¡{V`m± / Deductions during the year 1941.38 0.00 1941.38 0.00 0.00 0.00


5 gm_mÝ` Ama{jV {Z{Y / General Reserves


df© Ho$ Xm¡amZ `moJAdditions during the year 0.00 0.00 0.00 0.00 0.00 0.00


A§{V_ eofClosing Balance 41.74 0.00 41.74 41.74 0.00 41.74

KQ>mE§ : bm^ hm{Z boIo _o Zm_o A{Yeof. `{X H$moB© hmoLess : Debit balance in Profit and Loss 0.00 0.00 0.00 0.00 0.00 0.00

Account, if any

KQ>mE§ : nwZ©IarX Ho$ {bE à`wº$ am{eLess: Amount utilized for Buy-back 0.00 0.00 0.00 0.00 0.00 0.00

6 g_H$aU Ama{jV {Z{Y /Equalisation Reserve


df© Ho$ Xm¡amZ `moJ /Additions during the year 0.00 0.00 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 0.00 0.00


7 AmnmVH$mbrZ Ama{jV {Z{YCatastrophe Reserve 0.00 0.00 0.00 0.00 0.00 0.00

8 AÝ` Ama{jV {Z{Y : Other Reserves: (74.69) 0.00 (74.69) (82.78) 0.00 (82.78)

(i) {Zdoe Ama{jV {Z{Y / Investment Reserve 0.00 0.00 0.00 0.00 0.00 0.00

(ii) {d{Z_` CVma MT>md Ama{jV {Z{YExchange Fluctuation Reserve 65469.98 26.58 65496.56 48688.83 21.67 48710.50

9 bm^-hm{Z boIo _| eof bm^Balance of profit in Profit and Loss 0.00 0.00 0.00 0.00 0.00 0.00

Account

Hw$bTotal 1293376.55 26.58 1293403.13 1278536.78 21.67 1278558.45

^maV _|In India 1240967.72 0.00 1240967.72 1238479.61 0.00 1238479.61

^maV Ho$ ~mhaOut of India 52408.83 26.58 52435.41 40057.17 21.67 40078.84

Hw$b Total 1293376.55 26.58 1293403.13 1278536.78 21.67 1278558.45

263


64 th

dt

AZwgyMr - 7 CYmar : 31.03.2021

SCHEDULE - 7 BORROWINGS : 31.03.2021(` bmImo§ _o§)(` in lakhs)

{ddaU Particulars



J¡a-g§~Õ ì`dgm`

Non-linkedBusiness


Business

Hw$bTOTAL

J¡a-g§~Õ ì`dgm`

Non-linkedBusiness


Business

Hw$bTOTAL

1 F$U nÌ / ~ÝY nÌDebentures/Bonds 0.00 0.00 0.00 0.00 0.00 0.00

2 ~¢H$Banks 0.00 0.00 0.00 0.00 0.00 0.00

3 {dÎmr` g§ñWmZFinancial Institutions 0.00 0.00 0.00 0.00 0.00 0.00

4 AÝ`Others 0.00 0.00 0.00 0.00 0.00 0.00

Hw$b TOTAL 0.00 0.00 0.00 0.00 0.00 0.00

^maV _|In India 0.00 0.00 0.00 0.00 0.00 0.00

^maV Ho$ ~mhaOutside India 0.00 0.00 0.00 0.00 0.00 0.00

Hw$b TOTAL 0.00 0.00 0.00 0.00 0.00 0.00

264


64 th

dt

{ddaU Particulars



J¡a-g§~Õ ì`dgm`

Non-linkedBusiness


Business

Hw$bTOTAL

J¡a-g§~Õ ì`dgm`

Non-linkedBusiness


Business

Hw$bTOTAL

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 nÌGovernment securities and Government 23591.97 0.00 23591.97 23194.75 0.00 23194.75

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 0.00 0.00

3 AÝ` {Zdoe / Other Investments

(H$) eo`a / (a) Shares

(H$H$) B{¹$Q>r / (aa) Equity 7240.77 0.00 7240.77 4343.69 0.00 4343.69 (II) A{Y_mZr / (bb) Preference

0.00 0.00 0.00 0.00 0.00 0.00

(I) gh`moJ {Z{Y / (b) Mutual Funds 0.00 0.00 0.00 0.00 0.00 0.00

(J) ì`wáÞ ànÌ / (c) Derivative Instruments 0.00 0.00 0.00 0.00 0.00 0.00

(K) F$U-nÌ/~ÝY-nÌ(d) Debentures/Bonds 1836.91 0.00 1836.91 2135.88 0.00 2135.88

(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 0.93 0.00 0.93 186.70 0.00 186.70

(M) ghm`H$/gh^mJr/g§`wº$ CÚ_(f) Subsidiaries/Associates/Joint Ventures 39273.60 0.00 39273.60 38668.25 0.00 38668.25

(N>) {Zdoe g§n{Îm`m± - g§nXm(g) Investment Properties - Real Estate 0.00 0.00 0.00 0.00 0.00 0.00

4 ~w{Z`mXr gw{dYmAm| VWm gm_m{OH$ joÌ _| {ZdoeInvestments in Infrastructure and Social Sector 0.00 0.00 0.00 0.00 0.00 0.00

5 AZw_mo{XV {Zdoemo Ho$ A{V[aº$ AÝ` {ZdoeOther than Approved Investments 0.00 0.00 0.00 0.00 0.00 0.00

6 g§{X½Y {Zdoe Ho {bE n«mdYmZProvision for Doubtful Investments -587.51 0.00 (587.51) (587.51) 0.00 (587.51)

Aënmd{Y {ZdoeSHORT TERM INVESTMENTS

1 IOmZo H$s {~bm| g{hV gaH$mar à{V^y{V`m± VWm Jma§{Q>V ~ÝY-nÌGovernment securities and Government 0.00 0.00 0.00 0.00 0.00 0.00


2 AÝ` AZw_mo{XV à{V^y{V`m± Other Approved Securities 0.00 0.00 0.00 0.00 0.00 0.00

AZwgyMr - 8 {Zdoe (eo`aYmaH$m| Ho$) : 31.03.2021

SCHEDULE - 8 INVESTMENTS - SHAREHOLDERS: 31.03.2021(` bmImo§ _o§)(` in lakhs)

265


64 th

dt

AZwgyMr - 8 {Zdoe (eo`aYmaH$m| Ho$) : 31.03.2021 (Omar)SCHEDULE - 8 INVESTMENTS - SHAREHOLDERS: 31.03.2021 (Contd.)


{ddaU Particulars



J¡a-g§~Õ ì`dgm`

Non-linkedBusiness


Business

Hw$bTOTAL

J¡a-g§~Õ ì`dgm`

Non-linkedBusiness


Business

Hw$bTOTAL

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 0.00 0.00

(I I) A{Y_mZr (bb) Preference 0.00 0.00 0.00 0.00 0.00 0.00


(J) ì`wáÞ ànÌ)(c) Derivative Instruments 0.00 0.00 0.00 0.00 0.00 0.00

(K) F$U-nÌ/~ÝY nÌ / (d) Debentures/Bonds 0.00 0.00 0.00 0.00 0.00 0.00

(S>) AÝ` à{V^y{V`m±(e) Other Securities 0.00 0.00 0.00 0.00 0.00 0.00

(M) ghm`H$ / (f) Subsidiaries 0.00 0.00 0.00 0.00 0.00 0.00

(N>) {Zdoe g§n{Îm`m± - g§nXm(g) Investment properties - Real Estate 0.00 0.00 0.00 0.00 0.00 0.00

4 ~w{Z`mXr gw{dYm`m| VWm gm_m{OH$ joÌ _| {ZdoeInvestments in Infrastructure and Social Sector 0.00 0.00 0.00 0.00 0.00 0.00

5 AZw_mo{XV {Zdoem| Ho A{V[aº$ AÝ` {ZdoeOther than Approved Investments 0.00 0.00 0.00 0.00 0.00 0.00

6 g§{X½Y Ed§ Adgm_mÝ` g§n{ËV`mo Ho {bE n«mdYmZProvision for Doubtful and Substandard assets 0.00 0.00 0.00 0.00 0.00 0.00

Hw$b Total 71356.67 0.00 71356.67 67941.76 0.00 67941.76

{Zdoe/INVESTMENTS

1 ^maV _| / In India 21580.12 0.00 21580.12 20696.02 0.00 20696.02

2 ^maV Ho$ ~mha / Outside India 49776.55 0.00 49776.55 47245.74 0.00 47245.74

Hw$b Total 71356.67 0.00 71356.67 67941.76 0.00 67941.76

(` bmIm| _|) (` in lakhs)

{Q>ßnUr : ghm`H$ / gh^mJr / g§`wº$ CnH«$_ _| {Zdoe NOTE: Investments in Subsidiaries/Associates/JV : Mmby df©Current Year


Or.~r.{Z. noÝeZ \§$S> {b{_Q>oS> LIC Pension Fund Ltd 3000.00 3000.00

Or.~r.{Z. H$mS>© g{d©gog {b{_Q>oS> LIC Card Services Ltd 100.00 100.00

Or.~r.{Z. (A§Vaamï´>r`) ~r.Eg.gr. (gr.) ~harZ Life Insurance Corporation (International) B.S.C ( c ) , Bahrain 5929.27 5929.27

Ho$ZB§{S>`m Eí`moaoÝg H§$nZr {b{_Q>oS> Kennindia Assurance Co. Ltd. 78.15 78.15

Or.~r.{Z. (Zonmb) {b{_Q>oS> LIC (Nepal) Ltd. 1239.69 1239.69

Or.~r.{Z. (b§H$m) {b{_Q>oS> LIC (Lanka) Ltd 2293.81 1688.46

ghH$mar ~r_m Ho$ {bE gD$Xr ^maVr` H§$nZr Saudi Indian Company for Cooperative Insurance 587.51 587.51

Or.~r.{Z. (qgJmnya) nr.Q>r.B©. {b{_Q>oS> LIC Insurance Corporation (Singapore) Pte Ltd 21666.87 16431.87

Or.~r.{Z. (~§JbmXoe) {b{_Q>oS> LIC (Bangladesh) Ltd. 4378.30 4378.30

Hw$b TOTAL 39273.60 38668.25

{Q>ßnUr : 31.03.2021 H$mo gH$b gyMr~Õ B{¹$Q>r à{V^y{V`mo# Ho$ Abmdm AÝ` _| EbAmB©grHo$ {Zdoe H$s am{e Am¡a CgH$m ~mOma _wë`

NOTE: Aggregate amount of LIC’s investment in other than listed equity securities# and the market value thereof as at 31.03.2021: (` bmIm| _|) (` in lakhs)



gyMr~Õ B{¹$Q>r Ho$ Abmdm AÝ` H$m ~hr _yë` Book value of other than listed equity 3100.00 3286.71

gyMr~Õ B{¹$Q>r Ho$ Abmdm AÝ` H$m ~mOma _yë`* Market value of other than listed equity* 3100.00 3286.71

# H$manmoaoQ> _§Ìmb` H$s gmBQ> na CnbãY pñWVr Ho$ AmYma na # based on status available on Ministry of Corporate Affairs site.

* H$_r Ho$ {bE ~wH$ d¡ë`y H$_ àmdYmZ * Book value less provision for diminution

266


64 th

dt

AZwgyMr - 8H$ {Zdoe (nm°{b{gYmaH$m| Ho$) : 31.03.2021SCHEDULE-8AINVESTMENTS-POLICYHOLDERS:31.03.2021


{ddaU Particulars

Mmby df©CurrentYear

{nN>bo df©PreviousYear

J¡a-g§~Õ ì`dgm`

Non-linkedBusiness


Business

Hw$bTOTAL

J¡a-g§~Õ ì`dgm`

Non-linkedBusiness


Business

Hw$bTOTAL

XrKm©d{Y {ZdoeLONGTERMINVESTMENTS

1 IOmZo H$s {~bmo g{hV gaH$mar à{V^y{V`m± VWm Jma§{Q>V ~ÝY nÌGovernment securities and Government 226167871.15 3166561.24 229334432.39 200995175.96 2814499.79 203809675.75


2 AÝ` AZw_mo{XH$V à{V^y{V`m±Other Approved Securities 2185301.35 37255.50 2222556.85 2524468.04 71713.52 2596181.56

3 (H$) eo`a / (a) Shares

(H$H$) B{ŠdQr / (aa) Equity 58899559.83 470225.27 59369785.10 32758076.62 290867.17 33048943.79

(I I) A{Y_mZr / (bb) Preference 0.00 0.00 0.00 47.65 0.00 47.65



(K) F$U-nÌ/~ÝY-nÌ/(d) Debentures/Bonds 7104804.31 28486.86 7133291.17 6468368.75 23606.62 6491975.37

(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 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 0.00 0.00

AÝ` à{V^y{V`m± VWm ~ÝY-nÌ Other Securities & Bonds 24158.85 0.00 24158.85 22181.50 0.00 22181.50

`y Q>r AmB© II H¡${nQ>b _| àma§{^H$ A§eXmZ Initial Contribution to UTI II Capital 0.00 0.00 0.00 22883.39 0.00 22883.39

(M) ghm`H$/gh^mJr/g§`wº$ CÚ_(f) Subsidiaries/Associates/Joint Ventures 2989533.77 0.00 2989533.77 2989533.77 0.00 2989533.77




6 g§{X½K {Zdooem| Ho$ {bE àmdYmZProvision for Doubtful Investments (1982507.57) 0.00 (1982507.57) (1482018.31) 0.00 (1482018.31)

Aënmd{Y {ZdoeSHORTTERMINVESTMENTS



2 AÝ` AZw_mo{XV à{V^y{V`m±Other Approved Securities 338530.01 27684.50 366214.51 4783.35 0.00 4783.35

3 (H$) eo`a (a) Shares


(I I) A{Y_mZr / (bb) Preference 0.00 0.00 0.00 0.00 0.00 0.00


(J) ì`wáÞ ànÌ) / (c) Derivative Instruments 0.00 0.00 0.00 0.00 0.00 0.00

(K) F$U-nÌ/~ÝY nÌ / (d) Debentures/Bonds 93916.62 99.64 94016.26 686839.80 0.00 686839.80

(S>) AÝ` à{V^y{V`m± / (e) Other Securities 0.00 0.00 0.00 0.00 2526.84 2526.84

267


64 th

dt

AZwgyMr - 8H$ {Zdoe (nm°{b{gYmaH$m| Ho$) : 31.03.2021

SCHEDULE - 8A INVESTMENTS - POLICYHOLDERS: 31.03.2021(` bmImo§ _o§)(` in lakhs)

{ddaU Particulars



J¡a-g§~Õ ì`dgm`

Non-linkedBusiness


Business

Hw$bTOTAL

J¡a-g§~Õ ì`dgm`

Non-linkedBusiness


Business

Hw$bTOTAL

dm{UpÁ`H nÍmCommercial Papers 0.00 0.00 0.00 0.00 0.00 0.00

^maV gaH ma Ho nmg {deof O_mSpecial Deposit with Government of India 0.00 0.00 0.00 0.00 0.00 0.00

(M) ghm`H$(f) Subsidiaries 0.00 0.00 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 0.00 0.00

4~w{Z`mXr gw{dYmAm| VWm gm_m{OH$ joÌ _| {ZdoeInvestments in Infrastructure and Social Sector 1383875.35 0.00 1383875.35 1057758.51 0.00 1057758.51

5AZw`mo{XV {Zdoem| Ho A{V[aº$ AÝ` {ZdoeOther than Approved Investments 1336195.34 0.00 1336195.34 1034502.02 0.00 1034502.02

6g§{X½Y VWm Cn_mZH$ n[agån{Îm`m| Ho$ {bE àmdYmZProvision for Doubtful and substandard assets (1192911.35) 0.00 (1192911.35) (1052721.00) 0.00 (1052721.00)

Hw$b Total 344372156.60 4393329.10 348765485.70 284928707.35 3802206.00 288730913.35

{ZdoeINVESTMENTS

1^maV _|In India 343985610.19 4393329.10 348378939.29 284595913.39 3802206.00 288398119.39

2^maV Ho$ ~mhaOutside India 386546.41 0.00 386546.41 332793.96 0.00 332793.96

Hw$b TOTAL 344372156.60 4393329.10 348765485.70 284928707.35 3802206.00 288730913.35

(` bmIm| _|) (` in lakhs)

{Q>ßnUr : ghm`H$ / gh^mJr / g§`wº$ CnH«$_ _| {Zdoe NOTE: Investments in Subsidiaries/Associates/JV : Mmby df©Current Year


Or.~r.{Z. å`wÀ`wAb \§$S> E E_ gr LIC Mutual Fund AMC Ltd. 494.30 494.30

Or.~r.{Z.J¥h {dÎm {b. LIC Housing Finance Ltd 98599.11 98599.11

Or.~r.{Z. å`wÀ`wAb \§$S> àma§{^H$ `moJXmZ LIC Mutual Fund Initial Contribution 200.00 200.00

Or.~r.{Z. å`wÀ`wAb \§$S> Q´>ñQ>r H§$. àm. {b. LIC Mutual Fund Trustee Co Pvt Ltd 0.49 0.49

Or.~r.{Z. EME_$Eb EogoQ> _¡ZoO_¢Q> H§$. {b. LIC HFL Asset Management Company Ltd 49.44 49.44

Or.~r.{Z. (A§Vaamï´>r`) ~r.Egr.gr. (gr.) ~h[aZ Life Insurance Corporation (International) B.S.C (c), Bahrain 5577.97 5577.97

AmB©Sr~rAmB© IDBI Bank Ltd. 2884612.46 2884612.46

Hw$b TOTAL 2989533.77 2989533.77

{Q>ßnUr : 31.03.2021 H$mo gH$b gyMr~Õ B{¹$Q>r à{V^y{V`mo# Ho$ Abmdm AÝ` _| EbAmB©grHo$ {Zdoe H$s am{e Am¡a CgH$m ~mOma _wë`

NOTE: Aggregate amount of LIC’s investment in other than listed equity securities# and the market value thereof as at 31.03.2021: (` bmIm| _|) (` in lakhs)



gyMr~Õ B{¹$Q>r Ho$ Abmdm AÝ` H$m ~hr _yë` Book value of other than listed equity 235541.72 269251.32

gyMr~Õ B{¹$Q>r Ho$ Abmdm AÝ` H$m ~mOma _yë`* Market value of other than listed equity* 100083.50 126628.13

# H$manmoaoQ> _§Ìmb` H$s gmBQ> na CnbãY pñWVr Ho$ AmYma na # based on status available on Ministry of Corporate Affairs site.

* H$_r Ho$ {bE ~wH$ d¡ë`y H$_ àmdYmZ * Book value less provision for diminution

268


64 th

dt

{ddaU Particulars



J¡a-g§~Õ ì`dgm`

Non-linkedBusiness


Business

Hw$bTOTAL

J¡a-g§~Õ ì`dgm`

Non-linkedBusiness


Business

Hw$bTOTAL

XrKm©d{Y {ZdoeLONG TERM INVESTMENTS

1 IOmZo H$s {~bmo g{hV gaH$mar à{V^y{V`m± VWm Jma§{Q>V ~ÝY nÌGovernment securities and Governmentguaranteed bonds including Treasury Bills 0.00 695324.41 695324.41 0.00 927365.06 927365.06

2 AÝ` AZ_mo{XH$V à{V^y{V`m±Other Approved Securities 0.00 6781.12 6781.12 0.00 151969.47 151969.47

3 (H$) eo`a / (a) Shares


(II) A{Y_mZr / (bb) Preference 0.00 0.00 0.00 0.00 0.00 0.00

(I) ghvmoJ {Z{Y / (b) Mutual Funds 0.00 0.00 0.00 0.00 0.00 0.00


(K) F$U-nÌ/~ÝY-nÌ / (d) Debentures/Bonds 0.00 20167.71 20167.71 0.00 21606.91 21606.91

(S>) AÝ` à{V^y{V`m± : / (e) Other Securities 0.00 0.00 0.00 0.00 7500.00 7500.00

(M>) ghm`H$ / (f) Subsidiaries 0.00 0.00 0.00 0.00 0.00 0.00




Aënmd{Y {Zdoe / SHORT TERM INVESTMENTS



2 AÝ` AZw_mo{XV à{V^y{V`m±Other Approved Securities 0.00 0.00 0.00 0.00 2500.00 2500.00

AZwgyMr - 8I g§~Õ Xm{`Ëd a{jV H$aZo Ho$ {bE n[ag§n{Îm`m± : 31.03.2021

SCHEDULE - 8B ASSETS HELD TO COVER LINKED LIABILITIES : 31.03.2021 (` bmImo§ _o§)(` in lakhs)

269


64 th

dt

{ddaU Particulars



J¡a-g§~Õ ì`dgm`

Non-linkedBusiness


Business

Hw$bTOTAL

J¡a-g§~Õ ì`dgm`

Non-linkedBusiness


Business

Hw$bTOTAL

3 (H$) eo`a(a) Shares

(H$H$) B{¹$Q>r(aa) Equity 0.00 0.00 0.00 0.00 0.00 0.00

(II) A{Y_mZr (bb) Preference 0.00 0.00 0.00 0.00 0.00 0.00

(I) gh`moJ {Z{Y(b) Mutual Funds 0.00 130727.47 130727.47 0.00 101752.03 101752.03

(J) ì`wáÞ ànÌ)(c) Derivative Instruments 0.00 0.00 0.00 0.00 0.00 0.00

(K) F$U-nÌ/~ÝY nÌ(d) Debentures/Bonds 0.00 1219.65 1219.65 0.00 6287.12 6287.12

(S>) AÝ` à{V^y{V`m±(e) Other Securities 0.00 7500.00 7500.00 0.00 10223.00 10223.00

(M) ghm`H$(f) Subsidiaries 0.00 0.00 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 0.00 0.00


5 AZw_mo{XV {Zdoem| Ho A{V[aº$ AÝ` {ZdoeOther than Approved Investments 0.00 0.00 0.00 0.00 0.00 0.00

Mmby nagån{Îm`m±Current Assets

6 amoH$‹S> Ed§ ~¢H$ _| A{VeofCash & Bank Balance

amoH$‹S> Cash (including cheques, drafts and stamps) 0.00 3269.49 3269.49 0.00 117.35 117.35

~¢H$ _| A{VeofBank Balance (Deposits)

(H$) O_m (a) Deposits

(H$H$) Aënmd{Y(aa) Short term 0.00 0.00 0.00 0.00 0.00 0.00

(I I) AÝ` (bb) Others 0.00 0.00 0.00 0.00 0.00 0.00

(I) Mmby ImVm (b) Current Accounts 0.00 801.12 801.12 0.00 4130.11 4130.11

(J) AÝ` / (c) Others 0.00 0.00 0.00 0.00 0.00 0.00

7 A{J«_ Advances

AXm {H$`m J`m A{J«_ H$a Ed§ ñÌmoV H$a H$Q>m¡VrAdvance tax paid and tax deducted at source 0.00 0.00 0.00 0.00 0.00 0.00

AÝ` A{J«_Other Advances 0.00 8403.41 8403.41 0.00 2006.97 2006.97

{Zdoemona ~H$m`m / àmoX^yV Am`Income outstanding/accrued on investments 0.00 35786.27 35786.27 0.00 45276.17 45276.17

Hw$b (H$) - Mmby n[agån{Îm`m±Total (A)- Current Assets 0.00 48260.29 48260.29 0.00 51530.60 51530.60

AZwgyMr - 8I g§~Õ Xm{`Ëd a{jV H$aZo Ho$ {bE n[ag§n{Îm`m± : 31.03.2021 (Omar)SCHEDULE - 8B ASSETS HELD TO COVER LINKED LIABILITIES : 31.03.2021 (Contd.) (` bmImo§ _o§)

(` in lakhs)

270


64 th

dt



{ddaU Particulars



J¡a-g§~Õ ì`dgm`

Non-linkedBusiness


Business

Hw$bTOTAL

J¡a-g§~Õ ì`dgm`

Non-linkedBusiness


Business

Hw$bTOTAL

8 Mmby Xm{`ËdCurrent Liabilities

\w QH a boZXoZSundry Creditors 0.00 3110.11 3110.11 0.00 (2254.87) (2254.87)

n«r{_`_ n«mßV bo{HZ Amd§{QV ZhrPremium received but not allocated 0.00 0.00 0.00 0.00 0.00 0.00

~H m`m XmdmClaims outstanding 0.00 0.00 0.00 0.00 0.00 0.00

~Hm`m H _reZOutstanding commission 0.00 0.00 0.00 0.00 0.00 0.00

n«r{_`_ Ed§ AÝ` O_mPremium and other deposits 0.00 0.00 0.00 0.00 0.00 0.00

~H m`m AXmdr amer/O_mOutstanding unclaimed amounts/deposits 0.00 0.00 0.00 0.00 0.00 0.00

OrEgQr Xm{`ËdGST Liability 0.00 0.00 0.00 0.00 0.00 0.00

OrdZ {d^mJ Mmb y ImVmLife department current account 0.00 (717677.20) (717677.20) 0.00 (726266.05) (726266.05)

Mmb y Xm{`ËdTotal (B)- Current Liabilities 0.00 (714567.09) (714567.09) 0.00 (728520.92) (728520.92)

ewÕ Mmbw n{agån{Îm`m± (H -I)Net current assets (A-B) 0.00 762827.38 762827.38 0.00 780051.52 780051.52

Hw$b / Total* 0.00 3294950.15 3294950.15 0.00 3250975.02 3250975.02

{Zdoe eo`aYmaH mo HoINVESTMENTS

1 ^maV _oIn India 0.00 3287308.28 3287308.28 0.00 3245102.92 3245102.92

2 ^maV Ho$ ~mha Outside India 0.00 7641.87 7641.87 0.00 5872.10 5872.10

Hw$b Total* 0.00 3294950.15 3294950.15 0.00 3250975.02 3250975.02

{Q>ßnUr: * Añdm{_H$ {Z{Y ` 5825.06 bmI ({nNbo df© ` 15374.26 bmI) Ho$ g{hVNOTE: * Inclusive of ` 5825.06 Lakhs (Previous Year ` 15374.26 Lakhs) pertaining to Discontinued Fund.

{Q>ßnUr: 31.3.2021 H$mo gH$b gyMr~Õ B{¹$Q>r à{V^y{V`m| # Ho$ Abmdm AÝ` _| EbAmB©gr Ho$ {Zdoe H$s am{e Am¡a CgH$m ~mOma _wë`NOTE: Aggregate amount of LIC’s investment in other than listed equity securities# and the market value thereof as at 31.03.2021

Mmby df©Curren t Year


gyMr~Õ B{¹$Q>r Abmdm AÝ` H$m dhr _yë`Book value of other than listed equity

27225.23 26651.78

gyMr~Õ B{¹$Q>r Ho$ Abmdm AÝ` H$m ~mOma _yë`*Market value of other than listed equity*

0.00 0.00

# 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

AZwgyMr - 8I g§~Õ Xm{`Ëd a{jV H$aZo Ho$ {bE n[ag§n{Îm`m± : 31.03.2021 (Omar)SCHEDULE - 8B ASSETS HELD TO COVER LINKED LIABILITIES : 31.03.2021 (Contd.)

271


64 th

dt

{ddaU Particulars



J¡a-g§~Õ ì`dgm`

Non-linkedBusiness


Business

Hw$bTOTAL

J¡a-g§~Õ ì`dgm`

Non-linkedBusiness


Business

Hw$bTOTAL

1 à{V^y{Vdma dJuH$aUSECURITY - 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 1197071.34 0.00 1197071.34 1524037.92 0.00 1524037.92

(II) ^maV Ho$ ~mha (bb) Outside India 1246.06 0.00 1246.06 1428.77 0.00 1428.77

(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 0.00 0.00

(J) nm°{b{g`m§ na F$U(c) Loans against Policies 10102332.71 825.54 10103158.25 9888010.45 1452.79 9889463.24

(K) AÝ`(d) Others

gaH$ma Ûmam Jma§{Q>V Guaranteed by Government 370692.04 0.00 370692.04 453168.71 0.00 453168.71

{Jadr / Hypothecation 86974.66 0.00 86974.66 90655.92 0.00 90655.92

EEZE_$ A{J«_/ ANF Advances 0.02 0.00 0.02 0.02 0.00 0.02

AZma{jV F$U/Unsecured Loans 281322.17 0.00 281322.17 299788.90 0.00 299788.90

g§{X½Y F$Um| Ho$ {bE àmdYmZ / Provision for Doubtful Loans (1262130.78) 0.00 (1262130.78) (1476276.25) 0.00 (1476276.25)

Hw$b / Total 10777508.22 825.54 10778333.76 10780814.44 1452.79 10782267.23

2 CYmaH$Vm©dma dJuH$aUBORROWER - WISE CLASSIFICATION

(H$) H|$Ð VWm amÁ` gaH$ma(a) Central and State Governments 233074.89 0.00 233074.89 285629.30 0.00 285629.30

(I) ~¢H$ VWm {dÎmr` g§ñWmZ(b) Banks and Financial Institutions 0.00 0.00 0.00 0.00 0.00 0.00

(J) ghm`H$(c) Subsidiaries 0.00 0.00 0.00 0.00 0.00 0.00

(K) H§$n{Z`m±(d) Companies 1162395.06 0.00 1162395.06 1373495.69 0.00 1373495.69

(S>) nm°{b{g`mo na F$U(e) Loans against policies 10102332.71 825.54 10103158.25 9888010.45 1452.79 9889463.24

(M) AÝ`(f) Others

~§YH$ g§n{Îm Mortgage Property 32978.32 0.00 32978.32 35582.47 0.00 35582.47

_hmZJanm{bH$mE± Municipalities 5280.53 0.00 5280.53 6259.98 0.00 6259.98

amÁ` {dÚwV_§S>b / D$Om© CËnmXH$ State Electricity Boards/ Power Generators 130493.47 0.00 130493.47 192523.43 0.00 192523.43

amÁ` g‹S>H$ n[adhZ {ZJ_/ State Road Transport Corporation 616.00 0.00 616.00 616.00 0.00 616.00

ghH$mar Am¡Úmo{JH$ g§nXm/ Co-operative Industrial Estates 0.00 0.00 0.00 0.00 0.00 0.00

ghH$mar Amdmg g§ñWmE±/Housing Co-op Societies 38233.64 0.00 38233.64 42569.37 0.00 42569.37

qgMZ joÌ / Irrigation Sector 2666.64 0.00 2666.64 3333.30 0.00 3333.30

S>ãë`w.Eg.~r., Eg.E_$.gr. nr.Q>r.Ama. Amo.Q>r.EM., Eb.S>r.~r.., AmXr WSB, SFC, PTR,OTH,LDB Etc. 331567.10 0.00 331567.10 429070.06 0.00 429070.06

AZwgyMr - 9 F$U : 31.03.2021

SCHEDULE - 9 LOANS: 31.03.2021(` bmImo§ _o§)(` in lakhs)

272


64 th

dt

{ddaU Particulars



J¡a-g§~Õ ì`dgm`

Non-linkedBusiness


Business

Hw$bTOTAL

J¡a-g§~Õ ì`dgm`

Non-linkedBusiness


Business

Hw$bTOTAL

EEZE\$ A{J«_/ ANF Advances 0.02 0.00 0.02 0.02 0.00 0.02

AÝ` F$U / Other Loans 0.62 0.00 0.62 0.62 0.00 0.62

(N>) AemoÜ` VWm g§{X½Y F$Um| Ho$ {bE àmdYmZ(g) Provision for bad and doubtful debts (1262130.78) 0.00 (1262130.78) (1476276.25) 0.00 (1476276.25)

Hw$b Total 10777508.22 825.54 10778333.76 10780814.44 1452.79 10782267.23

3 {ZînmXZdma dJuUH$aPERFORMANCE - WISE CLASSIFICATION

(H$) dJuH¥$V _mZH$ F$U(a) Loans classified as standard

(H$H$) ^maV _| (aa) In India 10809678.75 825.54 10810504.29 10806015.93 1452.79 10807468.72

(II) ^maV Ho$ ~mha (bb) Outside India 15907.81 0.00 15907.81 17058.10 0.00 17058.10

_mZH$ F$U Ho$ {bE àmdYmZProvision for Standard Loans (11310.53) 0.00 (11310.53) (99208.87) 0.00 (99208.87)(I) J¡a _mZH$ F$U(b) Non-standard loans

(aa) ^maV _| / In India 1212992.67 0.00 1212992.67 1432802.21 0.00 1432802.21

(bb) ^maV Ho$ ~mha /Outside India 1059.15 0.00 1059.15 1214.45 0.00 1214.45

J¡a _mZH$ F$U Ho$ {bE àmdYmZProvision for Non Standard Loans (1250819.63) 0.00 (1250819.63) (1377067.38) 0.00 (1377067.38)

Hw$b Total 10777508.22 825.54 10778333.76 10780814.44 1452.79 10782267.23

4 n[adMVmdma dJuH$aUMATURITY - WISE CLASSIFICIATION

(H$) Aënmd{Y / (a) Short Term

^maV _| / In India 1017758.66 0.00 1017758.66 1075468.15 0.00 1075468.15

^maV Ho$ ~mha / Out of India 54.78 0.00 54.78 61.66 0.00 61.66AënmdYr Ho$ {bE àmdYmZProvision for Short Term (441711.59) 0.00 (441711.59) (471334.69) 0.00 (471334.69)

(I) XrKm©d{Y (b) Long Term

^maV _| / In India 11003287.06 825.54 11004112.60 11163349.98 1452.79 11164802.77

^maV Ho$ ~mha / Out of India 16912.18 0.00 16912.18 18210.90 0.00 18210.90

XrKm©d{X Ho$ {bE àmdYmZProvision for Long Term (818792.87) 0.00 (818792.87) (1004941.56) 0.00 (1004941.56)

Hw$b Total 10777508.22 825.54 10778333.76 10780814.44 1452.79 10782267.23

F$U LOANS

1 ^maV _| / In India 10761220.68 825.54 10762046.22 10763278.33 1452.79 10764731.12

2 ^maV Ho$ ~mha /Outside India 16287.54 0.00 16287.54 17536.11 0.00 17536.11

Hw$b TOTAL 10777508.22 825.54 10778333.76 10780814.44 1452.79 10782267.23

Note: Policy loans (In India business) has been categorised under Long term.


AZwgyMr - 9 F$U : 31.03.2021 (Omar)SCHEDULE - 9 LOANS: 31.03.2021 (Contd.)

273


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Hw$bTOTAL

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Business

Hw$bTOTAL

1 ZH$X (MoH$, S´>mâQ> Ed§ ñQ>°ån g{hV)Cash (including cheques, drafts and stamps) 333776.56 0.00 333776.56 57073.90 0.00 57073.90

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) 128017.49 0.00 128017.49 61876.08 0.00 61876.08

(II) AÝ` / (bb) Others 118056.73 0.00 118056.73 129868.11 0.00 129868.11

(I) Mmby ImVm / (b) Current Accounts 1724703.98 3158.22 1727862.20 1478169.09 8772.77 1486941.86

(J) AÝ` / (c) Others 0.00 0.00 0.00 0.00 0.00 0.00

3 _m§JZo na Am¡a Aën gyMZm na YZMoney at Call and Short Notice

(H$) ~¢H$ _| / (a) With Banks 0.00 0.00 0.00 0.00 0.00 0.00

(I) AÝ` g§ñWmZm| _| / (b) With other Institutions 0.01 0.00 0.01 0.01 0.00 0.01

(J) AÝ` - Ama.B.nr.Amo.Eg. / ( c ) Other -REPOS 0.00 0.00 0.00 0.00 0.00 0.00

(K) gr.~r.Eb.Amo. / ( d ) CBLO 685134.74 0.00 685134.74 1078898.61 0.00 1078898.61

4 AÝ` : _mJ©ñV àmofñV YZOthers - Remittances in transit 36477.72 0.00 36477.72 43464.67 0.00 43464.67

Hw$b Total 3026167.23 3158.22 3029325.45 2849350.47 8772.77 2858123.24

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{VeofCASH & BANK BALANCES

1 ^maV _|In India 3013249.07 3158.22 3016407.29 2841100.06 8772.77 2849872.83

2 ^maV Ho$ ~mhaOutside India 12918.16 0.00 12918.16 8250.41 0.00 8250.41

Hw$b Total 3026167.23 3158.22 3029325.45 2849350.47 8772.77 2858123.24

*ñWmZr` {d{Y Ho$ AZwgma {dXoer emImAm| Ho$ ~¢H$ ImVm| Ho$ Abmdm *Excluding bank accounts of foreign branches which are held as per local laws.

AZwgyMr - 11 amoH$‹S> Ed§ ~¢H$ _| A{Veof : 31.03.2021SCHEDULE - 11 CASH AND BANK BALANCES: 31.03.2021 (` bmImo§ _o§)

(` in lakhs)

278


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Hw$bTOTAL

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Hw$bTOTAL

A[J«_ / ADVANCES

1 A§VaU H§$n{Z`m| _| Ama{jV O_mReserve deposits with ceding companies 0.00 0.00 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 0.00 0.00

3 {Zdoemo Ho$ {bE AmdoXZ YZApplication money for investments 22500.00 0.00 22500.00 13694.95 0.00 13694.95

4 nhbo ^wJVmZ / nyd©XÎm IM©Prepayments/Prepaid Expenditure 56097.51 0.00 56097.51 54743.30 0.00 54743.30

5 A{YH$m[a`m| / {ZXoeH$m| H$mo§ A[J«_Advances to Officer/Directors 0.00 0.00 0.00 0.83 0.00 0.83

6 AXm {H$`m J`m A{J«_ H$a Ed§ ñÌmoV H$a H$Q>m¡VrAdvance tax paid and taxes deducted at source 3294095.60 0.00 3294095.60 3150489.64 0.00 3150489.64

H$mamYmZ Ho$ {bE ewÕ n«mdYmZ(Net of Provision for tax of ` 6271145.12)

{nNbo df©(Previous Year `5030041.66)

7(a) AÝ` / Others

(H$) i.

H$_©Mm[a`m| H$m A{J«_/Advances to employees107903.65 0.00 107903.65 99052.34 0.00 99052.34

(I) ii.

AÝ` H$mo A{J«_Advances to others 5586.21 0.00 5586.21 5774.55 0.00 5774.55

(J)iii.

O_mDeposits 6451.69 0.00 6451.69 6827.66 0.00 6827.66

(K)iv.

AÝ` A{J«_Other advances 81434.03 6722.97 88157.00 54388.14 14978.47 69366.61

7(b) _wQ>H$a XoZXma, A{J«_ VWm O_m Ho$ {bE àmdYmZProvision for sundry debtors, (11837.56) 0.00 (11837.56) (11095.78) 0.00 (11095.78)

advances and deposits

Hw$b Total (A) 3562231.13 6722.97 3568954.10 3373875.63 14978.47 3388854.10

AÝ` n[agån{Îm`m±OTHER ASSETS

1 {Zdoemona ~H$m`m / àmoX^yV Am`Income outstanding/accrued on investments 6705249.48 63336.85 6768586.33 6374420.41 61633.58 6436053.99

g§{X½Y ã`mO VWm bm^m§e H$m àmdYmZProvision for doubtful Interest & Dividends (1216757.89) 0.00 (1216757.89) (1083349.11) 0.00 (1083349.11)

2 ~H$m`m àr{_`_ Outstanding Premiums 982435.17 0.00 982435.17 1438046.60 0.00 1438046.60

AZwgyMr - 12 A[J«_ Ed§ AÝ` n[agån{Îm`m± : 31.03.2021

SCHEDULE - 12 ADVANCES AND OTHER ASSETS: 31.03.2021 (` bmImo§ _o§)(` in lakhs)

279


64 th

dt

{ddaU Particulars



J¡a-g§~Õ ì`dgm`

Non-linkedBusiness


Business

Hw$bTOTAL

J¡a-g§~Õ ì`dgm`

Non-linkedBusiness


Business

Hw$bTOTAL

3 EO§Q>mo Ho$ eof / Agents' Balances 333888.80 0.00 333888.80 162406.92 0.00 162406.92

EO§Q>mo Ho$ g§{X½Y eof Ho$ {bE àmdYmZProvision for agents doubtful balances (29.87) 0.00 (29.87) (26.65) 0.00 (26.65)

4 {dXoer EO{g`mo Ho$ eof / Foreign Agencies' Balances 0.00 0.00 0.00 0.00 0.00 0.00

g§{X½Y {dXoer EO{g`mo Ho$ eof Ho$ {bE àmdYmZProvision for agents doubtful balances 0.00 0.00 0.00 0.00 0.00 0.00

5 ~r_m ì`dgm` H$aZodmbr AÝ` B§{Q>{Q`mo go àmá hmoZo dmbmDue from other entities carrying on insurance business 0.00 0.00 0.00 0.00 0.00 0.00

6 ghm`H$/{Z`§ÌH$ H§$nZr go àmá hmoZodmbmDue from subsidiaries/holding company 176.51 0.00 176.51 175.45 0.00 175.45

7 nwZ~u_m Xmdo / eof àmß` / Reinsurance claims/balances receivable 0.00 0.00 0.00 48.35 0.00 48.35

8 ^maVr` [aOd© ~¢H$ _| O_m(~r_m A{Y{Z`_, 1938 H$s IÊS> 7 Ho$ AZwgaU _|)Deposit with Reserve Bank of India (Pursuant to Section 7 of Insurance Act, 1938) 0.00 0.00 0.00 0.00 0.00 0.00

9 AÝ`/ Others

i ~H$m`m / àmoT>^yV F$U na ã`mOInterest on loans outstanding/accrued 2486059.52 341.34 2486400.86 2341173.28 577.93 2341751.21

ii ñQ>oeZar H$s ñQ>m°H$, Am{X hmW _|Stock of stationery, etc. on hand 7338.30 0.00 7338.30 6822.76 0.00 6822.76

iii Añdm{_H$ am{e go g§~{YV n[ag§n{Îm`m± (nr.E\ 26)Assets pertaining to Unclaimed amount (PF. 26) 1857391.16 0.00 1857391.16 1587687.10 0.00 1587687.10

iv AÝ` n[ag§n{Îm`m± / Other assets 9140.72 0.00 9140.72 9013.63 0.00 9013.63

v (H$) {Z{YH$ ã`mO / (a) Funded interest 0.00 0.00 0.00 0.00 0.00 0.00

(I) {Z{YH$ ã`mO Ho$ {bE àmdYmZ(b) Provision for Funded interest 0.00 0.00 0.00 0.00 0.00 0.00

vi (H$) {Zdoe {OZH$m Am~§Q>Z ~mH$s h¡(a) Investments Pending Allotment 15994.97 0.00 15994.97 15994.97 0.00 15994.97

(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) (3454.45) 0.00 (3454.45)

vii Or Eg Qr H$m O_m eofGST Unutilized Credit 80712.79 0.00 80712.79 58373.64 0.00 58373.64

Hw$b (I) Total (B) 11258145.21 63678.19 11321823.40 10907332.90 62211.51 10969544.41

Hw$b (H$ + I) Total (A B) 14820376.34 70401.16 14890777.50 14281208.53 77189.98 14358398.51

^maV _| / In India 14816442.23 70401.16 14886843.39 14274103.97 77189.98 14351293.95

^maV Ho$ ~mha / Out of India 3934.11 0.00 3934.11 7104.56 0.00 7104.56

Hw$b Total 14820376.34 70401.16 14890777.50 14281208.53 77189.98 14358398.51

AZwgyMr - 12 A[J«_ Ed§ AÝ` n[agån{Îm`m± : 31.03.2021 (Omar)SCHEDULE - 12 ADVANCES AND OTHER ASSETS: 31.03.2021 (Contd.) (` bmImo§ _o§)

(` in lakhs)

280


64 th

dt

{ddaU Particulars



J¡a-g§~Õ ì`dgm`

Non-linkedBusiness


Business

Hw$bTOTAL

J¡a-g§~Õ ì`dgm`

Non-linkedBusiness


Business

Hw$bTOTAL

1 EO§Q>mo Ho$ eof / Agents' Balances 0.00 0.00 0.00 0.00 0.00 0.002 AÝ` ~r_m H§$n{Z`m| H$mo Xo` am{e

Balances due to other insurance companies (3483.48) 0.00 (3483.48) 4028.51 0.00 4028.51 3 g§{Y H§$n{Z`m| Ho$ A{J«_/Advances from Treaty Companies 0.00 0.00 0.00 0.00 0.00 0.004 nyZ~u_m A§VaU na Ym[aV O_m

Deposits held on re-insurance ceded 0.00 0.00 0.00 0.00 0.00 0.005 A{J«_ ê$n _| àmá àr{_`_/Premiums received in advance 3724.03 (9.72) 3714.31 3499.71 1.01 3500.726 \w$Q>H$a boZXma / Sundry creditors 1614713.78 3983.90 1618697.68 1541570.94 (6962.13) 1534608.81 7 ghm`H$ / {Z`§ÌH$ H§$nZr H$mo Xo`

Due to subsidiaries/holding company 0.00 0.00 0.00 0.00 0.00 0.008 ~H$m`m Xmd| / Claims Outstanding 780611.37 258197.39 1038808.76 982965.12 95334.81 1078299.93 9 Xo` dm{f©{H$`m± / Annuities Due 42536.04 0.00 42536.04 41857.69 0.00 41857.69 10 ~¢H$ eof / Bank Balances 0.00 0.00 0.00 0.00 0.00 0.0011 A{YH$m[a`m| / {ZXoeH$mo H$s Xo` Due to Officers/Directors 0.00 0.00 0.00 0.00 0.00 0.0012 AÝ` / Others

H$a

H$_©Mmar ^{dî` VWm noÝeZ Ho$ Ý`m{g`m| H$mo Xo` am{e`m±Amounts due to trustees of staff provident & pension fund 966943.22 0.00 966943.22 756627.58 0.00 756627.58

I/b ~H$m`m H$_reZ /Outstanding Commission 155125.52 0.08 155125.60 122500.82 0.01 122500.83 J c

àr{_`_ VWm AÝ` O_m am{e`m±Premium and other deposits 143563.94 117.87 143681.81 179254.54 119.70 179374.24

Kd

~H$m`m Añdm{_H$ am{e / O_mOutstanding unclaimed amounts/deposits 1388320.27 214961.46 1603281.73 1173385.60 233654.40 1407040.00

Le

doXmdm am{e`m| na A{O©V ì`mOInterest Accured on Unclaimed amounts 201452.52 44752.85 246205.37 159576.44 38617.36 198193.80

M> f

n«má n«r{_`_ {OZH$m Amd§QZ Zhr hwAmPremium received but not allocated 0.00 4920.15 4920.15 0.00 237.41 237.41

N/g Or Eg Qr Xm{`Ëd/GST Liability 171073.35 951.66 172025.01 83497.13 769.01 84266.14 Oh

ny±Or _moMZ ({ZYm©[aV dm{f©H$s g{hV) ì`dgm` Mmby ImVmCapital Redemption (including annuity certain) business current account (2383.75) 0.00 (2383.75) (1818.15) 0.00 (1818.15)

Pi

d[að> noÝeZ ~r_m `moOZm Mmby ImVm (161)Varishtha Pension Bima Yojana Current account (161) 35662.39 0.00 35662.39 31398.25 0.00 31398.25

Zj

d[að> noÝeZ ~r_m `moOZm Mmby ImVm (828)Varishtha Pension Bima Yojana Current account (828) 4228.49 0.00 4228.49 4240.23 0.00 4240.23

nk

nr.E_. dr.d>r.dm`. Mmby ImVm (842)PMVVY Current Account (842) 14933.07 0.00 14933.07 14723.64 0.00 14723.64

_$l

nr.E_. dr.d>r.dm`. Mmby ImVm (842 Z`m)PMVVY Current Account (842 New) 59514.82 0.00 59514.82 58569.70 0.00 58569.70

~m

gm_m{OH$ gwajm {Z{Y Mmby ImVmSocial Security Fund Current account (29158.13) 0.00 (29158.13) (28853.98) 0.00 (28853.98)

^n

Am_ AmX_r ~r_m `moOZm NmÌ d¥{Õ Mmby ImVmAam Aadmi Bima Yojna Scholarship Current account (0.30) 0.00 (0.30) 0.39 0.00 0.39

`/o nr.E_.Oo.S>r.dm`. Mmby ImVm/PMJDY contra account 0.00 0.00 0.00 (2239.92) 0.00 (2239.92)a/p nr.E_.Eg.dm`.E_. Mmby ImVm/PMSYM Current Account (209.50) 0.00 (209.50) (132.59) 0.00 (132.59)b/q g§~Õ ì`dgm` Mmby ImVm/Linked Business Current account 1048761.20 (331084.00) 717677.20 869789.60 (143523.55) 726266.05 d/r Ho. E_. Eg. dm`. E_ H m°ÝQ´ m ImVm /KMSYM Contra account (47.48) 0.00 (47.48) (15.58) 0.00 (15.58)g/s Eb.dr. E_.Sr. dm`. H m°ÝQ ´m ImVm/LVMDY contra account (4.39) 0.00 (4.39) (0.22) 0.00 (0.22)g/q nr.E_.dr. dm`.H m°ÝQ ´m ImVm/PMVVY Current Account (856) (1650.77) 0.00 (1650.77) 0.00 0.00 0.00

Hw$b / Total 6594226.21 196791.64 6791017.85 5994425.45 218248.03 6212673.48 ^maV _| /In India 6555323.48 196843.85 6752167.33 5959987.12 218333.01 6178320.13 ^maV Ho$ ~mha / Out of India 38902.73 (52.21) 38850.52 34438.33 (84.98) 34353.35 Hw$b / Total 6594226.21 196791.64 6791017.85 5994425.45 218248.03 6212673.48

AZwgyMr - 13 Mmby Xo`VmE§ : 31.03.2021

SCHEDULE - 13 CURRENT LIABILITIES : 31.03.2021(` bmImo§ _o§)(` in lakhs)

281


64 th

dt

{ddaU Particulars



J¡a-g§~Õ ì`dgm`

Non-linkedBusiness


Business

Hw$bTOTAL

J¡a-g§~Õ ì`dgm`

Non-linkedBusiness


Business

Hw$bTOTAL

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 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) 0.00 0.00 0.00 269774.29 0.00 269774.29

3 bm^m§e {dVaU H$a Ho$ {bEFor dividend distribution tax 0.00 0.00 0.00 0.00 0.00 0.00

4 AÝÒthers

emoYj_Vm gr_m Ho$ {bE AmajU H$m àmdYmZProvision for reserve for solvency margin 1494305.60 0.00 1494305.60 1494305.60 0.00 1494305.60

Hw$bTotal 1494305.60 0.00 1494305.60 1764079.89 0.00 1764079.89

^maV _| In India 1494305.60 0.00 1494305.60 1763755.05 0.00 1763755.05

^maV Ho$ ~mhaOut of India 0.00 0.00 0.00 324.84 0.00 324.84

Hw$b Total 1494305.60 0.00 1494305.60 1764079.89 0.00 1764079.89

AZwgyMr - 14 àmdYmZ : 31.03.2021

SCHEDULE - 14 PROVISIONS : 31.03.2021(` bmImo§ _o§)(` in lakhs)

{ddaU Particulars



J¡a-g§~Õ ì`dgm`

Non-linkedBusiness


Business

Hw$bTOTAL

J¡a-g§~Õ ì`dgm`

Non-linkedBusiness


Business

Hw$bTOTAL

1 eoà / F$U-nÌ Omar H$aZo _| AZw_V Ny>Q>Discount Allowed in issue of 0.00 0.00 0.00 0.00 0.00 0.00

shares/debentures

2 AÝÒthers 0.00 0.00 0.00 0.00 0.00 0.00

Hw$bTotal 0.00 0.00 0.00 0.00 0.00 0.00

^maV _oIn India 0.00 0.00 0.00 0.00 0.00 0.00

^maV Ho$ ~mhaOutside India 0.00 0.00 0.00 0.00 0.00 0.00

Hw$bTotal 0.00 0.00 0.00 0.00 0.00 0.00

AZwgyMr - 15 {d{dY ì`` (Omo ~Å>o ImVo _| Z S>mbo JE hmo `m gm_m`mo{OV Z {H$E JE hm|) : 31.03.2021

SCHEDULE 15 MISCELLANEOUS E PENDITURE (To the extent not written off or adjusted) : 31.03.2021(` bmImo§ _o§)(` in lakhs)

282

64dm{f©H [anmoQ©

dt

AZwgyMr - 15 H$:

OrdZ VWm ny±Or _moMZ {ZYm©[aV dm{f©H$s ì`dgm` go g§~§{YV {dÎmr` {ddaUm| H$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$ò Jò n[anÌm| Ed§ ~r_m A{Y{Z`_ 1938 Omo {H$ g_`-g_` na g§emo{YV hwAm h¡ 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$s {V{W Ho$ ~am~a hmoVr h¡&

I) g§~§ÜX {Z{Y`mo go Am` {Og_o \§$S> à~§YZ ewëH$, nm°{bgr àemgZ ewëH$, _¥Ë`wXa ewëH$ Am{X em{_b h¡, Omo {H$ g§~§ÜX {H$ò Jò \§$S> go {Z`_mo Am¡a eVm} Ho$

AZwgma dgwb {H$ò OmVo h¡, Am¡a Omo Xo` hmoZo na _mÝ` {H$ò OmVo 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) {ÛVr`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 Ho$ {bE ã`mO H$m ^wJVmZ/ àpßV ZH$X AmYma na {H$`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{„pIV 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 J`m 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) CXY¥V B{¹$Q>r na bm^m§e Ohm± 31 _mM© H$mo `m CgHo$ nhbo (`m§Zr H§$nZr Ûmam Kmo{fV bm^m§e) Ho$ H$maU àmßV H$aZo H$m A{YH$ma g_mßV hmo J`m h¡, Am` Ho$ ê$n

_| {b`m OmVm h¢ O~ {H$ dh ~mX _| àmßV hmoVm h¡& J¡a CXY¥V B{¹$Q>r na bm^m§e Ho$db àmpßV AmYma na Am` Ho$ én _| {b`m OmVm h¡&

P) nm°{bgr F$U na ã`mO H$m {hgm~ {~_m§{H$H$ AmYma na boIo _| {b`m OmVm h¡&

Äm) {H$amò H$mo Am` Ho$ én _| V^r _mÝ` {H$`m OmVm h¡& O~ {H$am`m Xo` hmoVm h¡, 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¡& An \§$S> {à{_`_ H$mo ZH$X AmYma na _mÝ` {H$`m OmVm h¡&

V) A{Y_mZr eoàm|/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 `WmpñW{V EZnrE na ~H$m`m ã`mO H$m àmdYmZ CM§V Ho$ én _| {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¡&

\$) àmogoqgJ ewëH$ H$mo àmpßV Ho$ AmYma na _mÝ` {H$`m {H$`m OmVm h¡&

~) nwZ©~r_m na CXY¥V àr{_`_, nwZ©~r_m g§{Y H$s eVm} Ho$ AZwgma `m nwZ©~r_mH$Vm© Ho$ gmW g¡ÜXm§VrH$ ì`dñWm Ho$ AZwgma _mÝ` {H$`m OmVm 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: Zò Am¡a ZdrZrH$aU ~r_m AZw~ÝYm| go g§~§{YV h¡ Ed§ CZHo$ gmW n[ad{V©V

hmoVo ahVo h¡&

64th

ANNUAL REPORT

283

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 on an accrual basis of accounting in accordance with the generally accepted accounting principles and in the manner prescribed by the Insurance Regulatory and Development Authority (Preparation of Financial Statements and Auditor’s Report of Insurance Companies) Regulations 2002 and Circulars issued thereafter and provisions of the Insurance Act, 1938, as amended from time to time.

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) Income from linked funds which includes fund management charges, policy administration charges, mortality charges, etc. are recovered from linked fund in accordance with terms and conditions and recognized when due.

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 paid / received 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 quoted 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. Dividend on unquoted equity is taken as income only on receipt.

i) Interest on policy loans is accounted for on accrual basis.

j) Rental income is recognized as income when due and rent/license fees which is in arrear for more than 6 months is not recognized as income. Upfront premium is accounted on cash basis.

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) Outstanding interest on NPA’s as at balance sheet date is provided as interest suspense.

p) Premium on redemption/maturity is recognized as income on redemption/maturity

q) Processing fee is accounted on receipt basis.

r) Premium ceded on re-insurance is accounted in accordance with the terms of the re-insurance treaty or in-principle arrangement with the re-insurer.

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.

284

64dm{f©H [anmoQ©

dt

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) Xmdo H$s _mÝ`Vm H$s VmarI nm°{bgr YmaH$ Ûmam _¥Ë`w `m ga|S>a H$s gyMZm àmpßV H$s VmarI hmoJr& n[anŠdVm, CÎmaOr{dVm bm^, dm{f©H$s Am{X Ho$ _m_bm| _| Xmdm|

H$mo _mÝ`Vm XoZo H$s {V{W nm°{bgr`m| Ho$ {Z`_ Am¡a eVm] Ho$ AZwgma hmoJr&

J) Ý`m{`H$ A{YH$m[a`m| Ho$ g_j {ddm{XV AñdrH¥$V Xmdo à~§YZ, Ho$ {ddoH$ Ho$ AmYma na AmH$pñ_H$ Xm{`Ëd Ho$ ê$n _| ì`dhma {H$E OmVo h¢&

K) Ohm± {ZU©` {ZåZVa \$moa_/Ý`m`mb` Ûmam {ZJ_ Ho$ {déÕ {X`m J`m h¡, dhm± EbAmB©gr Ûmam \$mBb H$s JB© Anrb/[aQ>/g§emoYZ na {ZU©` hmoZo VH$, Cº$ \$moa_/

Ý`m`mb` Ûmam A{Y{ZU©` Xr JB© gmar am{e H$s gr_m VH$ {ZamH¥$V Xmdm| go g§~§{YV {ddmXJ«ñV H$mZyZr _m_bm| Ho$ {bE Cº$ àmdYmZ {H$`m J`m h¡&

5. {Zdoe:

A) J¡a - g§~Õ ì`dgm`

H$) gaH$mar à{V^y{V`m| Am¡a F$U_moÀ` A{Y_mZr eoàm| g{hV F$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 eVm} Ho$

AYrZ Eo{Vhm{gH$ bmJV na {ZåZ{bpIV 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& Ohm§ dmñV{dH$ _wë` AqH$V _wë` go A{YH$ h¡& Vmo Nw>Q> H$mo n[anŠdVm na _mÝ` {H$`m OmòJm&

(ii) gyMr~Õ F$U_moÀ` A{Y_mZr eoà, Ohm§ A§{H$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$_ h¡, Vmo H$_r Ho$ {bE àmdYmZ {H$`m OmVm h¡&

AgyMr~Õ F$U_moÀ` A{Y_mZr eoà, Ohm§ A§{H$V _yë`, dmñV{dH$ _yë` go A{YH$ h¡, àr{_`_ H$m n[aemoYZ YmaU/n[a¹$Vm H$s eof Ad{Y _| grYr bmB©Z

nÕ{V AmYma na {H$`m OmVm h¡ Am¡a BgH$m _yë`m§H$Z H$_r Ho$ {bE {H$E JE àmdYmZ go H$_ n[aemo{YV bmJV na {H$`m OmVm h¡&

gyMr~Õ J¡a-F$U_moÀ` A{Y_mZr eoàm| H$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 H$_r Ho$ {bE {H$`m J`m àmdYmZ KQ>mH$a {ZH$mbo

JE _yë` na {H$`m OmVm h¡&

AgyMr~Õ J¡a-F$U_moÀ` A{Y_mZr eoàm| H$m _yë`m§H$Z A§{H$V _yë` _| go H$_r Ho$ {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` _| H$_r Ho$ {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$E JE å`wÀÀ§b \§$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 eoàm| Am¡a gaH$mar à{V^y{V`m| H$s {~H«$s `m IarX Ho$ {bE&

L) {Zdoe g§n{Îm`m| 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 H$mof _| 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) Ohm± ^r {Zdb AmpñV _yë` (EZEdr) ~hr _yë` go A{YH$ h¡, dhm± OmopI_ {Z{Y/ d¡H$pënH$ {Zdoe {Z{Y (EAmB©E\$) _| {Zdoe H$m _yë`m§H$Z bmJV na {H$`m OmVm

h¡& Ohm± ^r EZEdr ~hr _yë` go H$_ h¡, dhm± A§Va H$m boIm§H$Z õmg Ho$ ê$n _| {H$`m OmVm h¡&

P) _wÐm ~mOma {dboIm| H$mo A§{H$V _yë` na _wë`m§{H$V {H$`m OmVm h¡&

~) g§~Õ ì`dgm`:

à{V^y{V`m| H$m _yë`m§H$Z g_` g_` na Omar {H$ò JE AmB© Ama S>r E AmB© Ho$ {ZX}em| Ho$ AZwén h¡&

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ANNUAL REPORT

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4. Claims:

a) Claims costs consist of the policy benefit amount and claims settlement costs, wherever applicable.

b) The date of recognition of claim shall be the date of receipt of intimation of death or surrender by the policy holder. The date of recognition of claims in case of Maturity, Survival benefits, Annuity etc. shall be as per the terms and condition of the policies.

c) Repudiated claims disputed before judicial authorities are treated as contingent liability based on management prudence

d) The provision is made for disputed legal cases pertaining to repudiated claims where decision is given against the Corporation by Lower Forum/Court to the extent of entire amount awarded by the Forum/Court against LIC, pending the Appeal/Writ/Revision filed by LIC.

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. Where face value is greater than book value, discount is accounted on 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 are measured at fair value on Balance Sheet date and the change in the carrying amount of equity securities is taken to Fair Value Change Account.

c) Unlisted equity securities, thinly traded 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 and Exchange Traded Fund (ETF) investments are valued on fair value basis as at the Balance Sheet date and the change in the carrying amount of mutual fund /ETF 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 / Alternative Investment Fund (AIF) is valued at cost wherever NAV is greater than the Book Value. Wherever NAV is lower than Book value the difference is accounted as diminution.

i) Money Market Instruments are measured at book value.

B] Linked Business:

Valuation of Securities is in accordance with IRDAI directives issued from time to time.

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6. F$U:

F$U H$mo j{V nw{V© àmdYmZm| Ho$ AYrZ Eo{Vhm{gH$ bmJV na _mnm OmVm h¡&

7. AMb n[agån{V`m±:

H$) AMb n[agånpËV`m| H$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¡&

8. _yë`èhmg/n[aemoYZ:

AMb g§npËV`m| na _yë`èhmg/n[aemoYZ à~§YZ Ûmam `Wm AZw_m{ZV g§npËVHo$ Cn`moJr OrdZ Ho$ AmYma na, grYr aoIm nÜX{V H$m Cn`moJ H$aHo$ àXmZ {H$`m OmVm h¡&

df© H¡$ Xm¡amZ IarXr/~oMr JB© g§npËV`m| Ho$ {bò _m{gH$ g_W©H$ AZwnmV Ho$ AmYma na _yë`èhmg à^m[aV {H$`m OmVm h¡& ì`pŠVJV én go `5,000 VH$ _wë` H$s bmJV

H$s g§npËV Aën _wë` hmoZo Ho$ H$maU IarX Ho$ df© _| nwar Vah go amOñd _| à^m[aV H$s OmVr h¡& Am°naoqQ>J brO na {H$amò H$mo brO H$s Ad{Y _| IM© {H$`m OmVm h¡&

à~§YZ Ûmam AZw_m{ZV {H$ò Jò Cn`moJr OrdZ Ho$ _wë`m§H$Z Ho$ AmYma na _wë`èhmg H$s Xa| boIm H$s {Q>ßnUr`m| _| Xr JB© h¡&

9. n[ag§{Îm`m| H$s hm{Z:

àËòH$ ~¡b|g erQ> {V{W na n[ag§n{Îm`m| Ho$ dhZ _wë`m| H$s g_rjm H$s OmVr h¡& `{X Bg Vah H$s hm{Z H$m H$moB© g§H|$V _m¡OwX h¡, Vmo CZ n[ag§n{Îm`m| Ho$ dgwbr `mo½` _wë`

H$m AZw_mZ bJm`m OmVm h¡ Am¡a Ohm§ ^r Amdí`H$ hmo, hm{Z H$s nhMmZ H$s OmVr h¡&

10. OrdZ nm{c{g`m| H$s Xo`Vm:

{ZJ_ Ho$ 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¡&

11. {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$`m OmVm h¡ Š`m|{H$ emIm H$m coIm H¡$coÊS>a df© Ho$ AmYma na

V¡`ma {H$`m OmVm h¡&

(J) ògo énm§VaUmo na hmoZo dmbo {d{Z_` bm^ `m hm{Z H$mo Cg Ad{Y _| _mÝ`Vm Xr OmVr h¡ {Og Ad{Y _| do amOñd ImVo _| AmVo h¡& {\$Or _m°areg Am¡a `wHo$ _|

{H$ò Jò Am°naoeZ J¡a g_mH${bV àH¥${V Ho$ h¡, amOñd ImVo H$s _Xm| H$mo Am¡gV {d{Z_` Xa na Ed§ VwbZnÌ H$s _Xm| H$mo g_mnZ Xa na énm§V[aV {H$`m OmVm

h¡& nwZ©_wë`m§H$Z na {d{Z_` Ho$ A§Va H$mo eoà YmaH$m| `m nm°{bgr YmaH$m| _m_bo Ho$ AZwgma Ho$ ImVo Ho$ VhV {dXoer _wÐm ApñWaVm [aOd© _| O_m {H$`m

OmVm h¡&

(K) ^maV go ôOo JE àofUm| ìXmam ^maV Ho$ ~mha {H$E {Zdoem|H$s JUZm _yë` énò H$s cmJV `m erK« A{^{cpIV énE H$s cmJV na {H$`m OmVm h¡, Ohm± _yë` cmJV

CncãY Z hmo&

12. 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¡&

i) _mZH$

ii) Cn_mZH$

iii) g§{X½Y Ed§

iv) 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) ^maVr` ~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$Um|, {S>~|Mamo Ed§ ~m§S>m| Ed§ ^dZ g§n{Îm H$mo {Jadr

aIH$a F$U H$m àmdYmZ {H$`m J`m h¡&

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ANNUAL REPORT

287

6. Loans:

Loans are measured at historical cost subject to impairment provisions.

7. 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’.

8. Depreciation/Amortisation:

Depreciation/amortisation 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 monthly pro-rata basis for assets purchased/sold during the year. Assets individually costing upto ` 5,000, being low value assets are fully charged to revenue in the year of purchase. Operating lease rentals are expensed off over the lease period. Based on useful life evaluation carried out by the management the rates of depreciation are given under notes to accounts

9. Impairment of assets:

The carrying values of assets at each Balance Sheet date are reviewed for impairment. If any indication of such impairment exists, the recoverable amounts of those assets are estimated and impairment is recognised, wherever necessary.

10. 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.

11. 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) Exchange gains or losses arising on such conversions are recognised in the period in which they arise in the Revenue Account.

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 is accumulated in Foreign Exchange fluctuation Reserve under shareholders or policyholders account as the case may be.

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.

12. AssetClassificationandProvisioningforNon-PerformingAssets:

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 of India.

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 of India.

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13. godm{Zd¥{Îm bm^:

H$) {ZJ_ Ûmam Omar g_yh J«oÀ`wQ>r B§í`moa|g nm°{bgr Ho$ _mÜ`_ go (~r_m§{H$ V _yë`m§H$Z Ho$ AmYma na) H$_©Mm[a`m| H$mo J«oÀ`wQ>r àXmZ H$s OmVr h¡ Am¡a Bg àH$ma, CgHo$

g§~§Y _| Xm{`Ëd, OrdZ {Z{Y H$m {hñgm ~ZVr h¡&

I) CZ H$_©Mm[a`m| Ho$ g§~§Y _| {OÝhm|Zo ^{dî` {Z{Y `moOZm H$m {dH$ën MwZm h¡, OrdZ ~r_m {ZJ_ A{Y{Z`_ 1956 Ho$ VhV a{MV ^{dî` {Z{Y Q´>ñQ> _| AZwHy$b

`moJXmZ {X`m OmVm h¡&

J) n[a^m{fV `moJXmZ n|eZ `moOZm Ho$ _m_bo _|, `moJXmZ V~ {H$`m OmVm h¡ O~ g§~§{YV godm`| àXmZ H$s OmVr h¡, Cg Ad{Y Ho$ Xm¡amZ Xo` E§d amOñd ImVo _|

à^m[aV {H$ò OmVo h¡&

^{dî` {Z{Y `moOZm Ho$ ~Xbo n|eZ `moOZm H$m {dH$ën boZo dmbo H$_©Mm[a`m| Ho$ {bE {ZYm©[aV bm^ `moOZm Ho$ _m_bo _|, ^maV gaH$ma Ûmam A{Ygy{MV n|eZ {Z`_m|

Ho$ AZwgma {ZJ_ H$m A§eXmZ n|eZ Q´>ñQ> H$mo {H$`m OmVm h¡& Am¡a {nN>br godm Ho$ `moJXmZ g{hV `h `moJXmZ ~r_m§{H$V JUZm Ho$ AmYma na {H$`m OmVm h¡&

K) {ZJ_ Ûmam Omar gm_y{hH$ AdH$me ZH$XrH$aU B§í`moa|g nm°{bgr Ho$ _mÜ`_ go godm{Zd¥{Îm na AdH$me ZH$XrH$aU> bm^ (~r_m§{H$V _yë`m§H$Z Ho$ AmYma na) àXmZ

{H$E OmVo h¢ Am¡a Bg àH$ma, BgHo$ g§~§Y _| Xm{`Ëd, OrdZ {Z{Y H$m {hñgm ~ZVm h¡&

14. àmdYmZ, AmH$ pñ_H$ Xm{`Ëd Am¡a AmH$ pñ_H$ g§n{Îm:

EH$ {dœgZr` AZw_mZ Ho$ AmYma na àmdYmZ {H$`m OmVm h¡, O~ `h g§^d hmoVm h¡ {H$ Xm{`Ëd H$m {ZnQ>mZ H$aZo Ho$ {bE Am{W©H$ bm^ àmßV H$aZo dmbo g§gmYZm| Ho$

~{hdm©h H$r Amdí`H$Vm hmoJr& AmH$pñ_H$ CÎmaXm{`Ëd (nm°{bgr`m| Ho$ Abmdm), `{X gm_Jr, ZmoQ>m| Ho$ _mÜ`_ go àH$Q> H$r OmVr h¡ Vmo AmH$pñ_H$ g§n{Îm H$mo {dÎmr` {ddaUm|

_| _mÝ`Vm `m Iwbmgm Zht {H$`m OmVm h¡&

15. àmpßV`m§ Am¡a ^wJVmZ ImVo:

àmpßV`m§ Am¡a ^wJVmZ ImVo _mñQ>a n[anÌ Ho$ n¡am 2.2 Ho$ AZwgma àË`j {d{Y H$m Cn`moJ H$ aHo$ V¡`ma Am¡a [anmoQ>© {H$ E OmVo h¢&

16 H$amYmZ:

(H$) àË`j H$a: Am`H$a Ho$ {bò àmdYZ nhbr AZwgwMr _| em{_b {Z`_m| Am¡a Am`H$a A{Y{Z`_, 1961 Ho$ AÝ` àmg§{JH$ àmdYZm| g{hV n{R>V Am`H$a A{Y{Z`_

1961 H$s Ymam 44 _| OrdZ ~r_m ì`mnma Ho$ {bE bmJw àmdYmZm| Ho$ AZwgma {H$`m J`m h¡&

(I) AàË`j H$a: {ZJ_ BZnwQ> g|dmAm| na dñVw Am¡a godm H$a H$s H«o${S>Q> H$m Xmdm H$aVm h¡, Omo AmCQ>nwQ> g|dmAm| na Xo` dñVw Am¡a godm H$a Ho$ {déÜX g_m`mo{OV

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AmJo ~µT>m`m OmVm h¡, Ohm§ Cn`moJ H$s C{MV {ZíMVVm hmoVr h¡&

(I) boIm| H$s {Q>ßn{U`m±

1. AmH$pñ_H$ Xo`VmE±: (` bmI _|)

Mmby df© {nN>bo df©

H$. Am§{eH$ én go A{^XÎm {Zdoe 233696 20

I. {ZJ_ Ho$ {déÕ Xmd| Omo F$U Ho$ én _| A{âdrH¥$V Zht {H$E JE hm| 1389 713

J. ~H$m`m ~r_m§H$Z à{V~ÕmE§ Hw$N> Zht Hw$N> Zht

K. {ZJ_ Ûmam `m {ZJ_ H$s Amoa go Xr JB© Jma§Q>r 8 Hw$N> Zht

L. {ddm{XV gm§{d{YH$ _m§J/Xo`VmE§ {OgH$m Cn~§Y Z {H$`m J`m hmo 2476140 2265232

M. nwZdu_m A{Zdm`©Vm {OgH$m Cn~§Y Z {H$`m J`m hmo Hw$N> Zht Hw$N> Zht

N>. AÝ`

· ~r_m| go g§~§{YV Xmd| Om| _wH$X_m| Ho$ A{YZ h¡ 37744 39553

· _wH$X_m{YZ Xmd| Omo ~r_mYmaH$m| Ho$ Zhr h¢ 10068 5212

2. 31.3.2021 H$mo `WpñW{V F$Um|, {Zdoem| Am¡a AMb n[ag§n{Îm`m| Ho$ {bE H$s JB© à{V~ÕVmE§ Am¡a ~H$m`m Bg àH$ma h¡:

(` bmIm| _|)

2020-21 2019-20

F$U Ed§ {Zdoe 1066824.00 1069624.00

AMb n[ag§n{Îm`m§ 51049.78 8904.36

64th

ANNUAL REPORT

289

13. RetirementBenefits:

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 formed under Life Insurance Corporation Act 1956.

c) In case of Defined Contribution Pension Scheme, the contributions are made when due and charged to Revenue account during the period when related services are rendered.

In case of Defined Benefit Plan for 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.

14. 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.

15. Receipts and Payments Account:

Receipts and Payments Account is prepared and reported using the Direct Method in accordance with Para 2.2 of the Master Circular.

16. Taxation:

a) Direct Tax: Provision for income tax is made in accordance with the provisions of Section 44 of the Income Tax Act, 1961 read with Rules contained in the First Schedule and other relevant provisions of the Income Tax Act, 1961 as applicable for life insurance business.

b) Indirect Tax: The Corporation claims credit of goods and Services tax on input services, which are set off against goods and services tax on output services.

As a matter of prudence, unutilized credits towards goods and services tax on input services are carried forward under ‘Schedule 12 -Advances and Other Assets’ in the Balance Sheet, wherever there is reasonable certainty of utilization.

(B) NOTES TO ACCOUNTS 1. Contingent Liabilities: (` in Lakhs)

Current Year Previous Year a. Partly paid-up investments 233696 20 b. Claims against the Corporation not 1389 713 acknowledged as Debts

c. Underwriting commitments outstanding Nil Nil d. Guarantees given by or on behalf of the Corporation 8 Nil

e. Statutory demands/liabilities in dispute, not provided for* 2476140 2265232 f. Reinsurance obligations to the extent not provided for Nil Nil

g. Others • Policy related claims under litigation 37744 39553 • Claims under litigation other than policy holders 10068 5212

2. Commitments made and outstanding for loans, investments and fixed assets as on 31.03.2021 aggregate to as follows:

( ` in Lakhs)

2020-21 2019-20

Loans and Investment 1066824.00 1069624.00

Fixed Assets 51049.78 8904.36

290

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Jw§Omè 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$s J«mhr E (1996-98) `wbQ>r _¥Ë`y Xa gmaUr na AmYm[aV h¢& à`wº$

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64th

ANNUAL REPORT

291

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/Pension/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 :

â 4 funds namely, Bond Fund, Income Fund, Balanced Fund and Growth Fund for each of Future Plus Plan and Gratuity Plus Plan (Group Business)

â 4 funds namely, Bond Fund, Secured Fund, Balanced Fund and Growth Fund for each of the plans Jeevan Plus, Money Plus, MarketPlus,FortunePlus,ProfitPlus,Moneyplus1,Marketplus1,ChildFortunePlus,JeevanSathiPlus,EndowmentPlus,New EndowmentPlus,NewEndowmentPlusModifiedversion,NiveshPlusandSIIP.

â Wealth Plus fund for WealthPlusPlan

â Samridhi Plus fund for SamridhiPlusPlan

â Health Plus fund for Health Plus Plan and Health Protection Plus fund for HealthProtectionPlusPlan

â Mixed Fund and Debt Fund for Pension Plus Plan and Flexi Plus Plan

The Valuation liability for Individual and Group policies on our books as at March 31, 2021 has been calculated actuarially for each policy by using prospective gross premium 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 valuation 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 2021. 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 7.80% 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 (2012-14) 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, RGA 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 `185per policy to`1240per 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 0.10% to 18.10% 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 COVID-19 pandemic, AIDS/HIV, extra risk in respect of sub-standard lives, incurred

292

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AH$mC§Q>&

VWm ~r_m AH$mC§Q> 2 VWm OrdZ ñZoh ßbm°°Zmo Ho$ {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|

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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 (31.03.2021 VH$ Ho$ _yë`m§H$Z Ho$):

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g§~§Y _| n[aMmbZ IM© Ho$ Am§~Q>Z H$m AmYma {ZåZ h¡:

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AmYma na {H$`m J`m h¡:

i. nm°{bgr`m| H$s g§»`m

ii. Hw$b g§J¥hrV àr{_`_

iii. ~r{_V am{e

ì`dgm` H$s {d{^Þ bmBZm| Ho$ ~rM gm_mÝ` ì`` H$m Am~§Q>Z {ZJ_ H$s AZw_mo{XV ì`` {Z{V na AmYm[aV h¡&

maVr` OrdZ ~r_m {ZJ_ (H$_©Mmar n|eZ) g§emoYZ {Z`_, 2019 H$mo ^maV gaH$ma Ûmam 23.4.2019 H$mo A{Ygy{MV {H$`m J`m Wm, {Og_| CZ H$_©Mm[a`m| H$mo EH$_wíV

n|eZ {H$H$ën {X`m J`m Wm {OÝhm|Zo CŠV A{YgyMZm _| {Z{X©ï> {Z`_m| Am¡a eVm] Ho$ AZwgma Bgo nhbo Zht MwZm Wm& H$_©Mm[a`m| H$mo ZB© n|eZ Ho$ H$maU CËnÝZ hmoZo dmbr

{XÎmr` XoZXmar H$mo nm§M gmb H$s Ad{Y _| n[aemo{YV {H$`m J`m h¡& nÌ H«$. 101/2/ E\$ E§S> E-bmB\$/EbAmB©gr/2018-19/208 {XZm§H$ 06-07-2020 Ho$

g§X^© Ho$ AZwgma n[aemoYZ H$s Ad{Y {dÎm df© 2019-20 go à^md Ho$ gmW nm§M gmb go A{YH$ Zht hmoJr O¡gm {H$ nÌ _o {Z{X©ï> {H$`m J`m h¡& 31 _mM©, 2021 VH$

nm°{bgr Xo`Vm H$m _yë`m§H$Z H$aVo g_` IMm] na hmoZo dmbo g§~§{YV à^md na {dMma {H$`m J`m h¡&

5. nm°{bgrYmaH$m| Ho$ ImVo Ed§ eoàYmaH$m| Ho$ ImVo Ho$ ~rM {Zdoem| Ho$ Am~§Q>Z H$m AmYma Ed§ Cg na Am`:

eoàYmaH$m| Ho$ 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 eoàYmaH$m| H$s

{Z{Y H$s d¥{Õ H$mo eoàYmamoH§$ 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 eoà:

g^r dJm] H$s ì`dgm` _| Ohm± dmñV{dH$ _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© 2019-20 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¡

64th

ANNUAL REPORT

293

but not reported deaths (IBNR), catastrophe and improvement in mortality. The assumptions used for arriving at the reserves for abovementioned 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 13thNovember, 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 31.03.2021) 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.

Life Insurance Corporation of India (Employees) Pension (Amendment) Rules, 2019 was notified by the Government of India on 23.4.2019 giving one-time pension option to employees who had not opted it before, in accordance the terms and conditions as specified in the said notification. Financial liability arising due to fresh pension to the employees has been amortized over a period of five years w.e.f. FY 2019-20 in accordance with letter reference 101/2/F&A-Life/LIC/2018-19/208 dated 06-07-2020approving amortization over a period not exceeding five years with effect from FY 2019-20 and as specified in the letter. The corresponding impact on expenses have been considered while valuing the policy liability as at 31st March,2021.

5. BasisofallocationofinvestmentsandincomethereonbetweenPolicyholders’AccountandShareholders’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 Revaluation of investment (rented out) properties is being carried out once in three years as per IRDAI guidelines. The last

revaluation of properties (investment) was carried out by the Zones in the last financial year 2019-20. The next revaluation falls due on financial year 2022-23. The basis adopted for revaluation of property is as under:

294

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H$) {Zdoe H$s g§n{Îm H$m _yë`m§H$Z ~mOma Ho$ {H$amE H$mo XoIVo hþE {H$am`m ny§OrH$aU {d{Y Ûmam {H$`m J`m h¡&

I) {_{lV Cn`moJ g§n{Îm Ho$ _m_bm| _| Ohm§ {Zdoe H$m {hñgm {Z{_©V joÌ Ho$ 25% go H$_ h¡, ^y{_ {Z_m©U {d{Y Ûmam nyar g§n{Îm H$m _yë`m§H$Z {H$`m J`m h¡&

J) {H$gr ^r ^dZ/g§aMZm Ho$ {~Zm Imbr O_rZ na {Zdo{eV g§n{Îm`m| H$m nwZ_y©ë`m§H$Z dV©_mZ ~mOma _yë` Ho$ AZwgma {H$`m J`m h¡&

8. Ad{Y-nyd© _X :

{dÎmrV` df© 2019-2020 H$s Am` _| {ZåZ{bpIV Ad{Y-nyd© _Xm| H$m g_mdoe h¡:

(` bmI _|) {ddaU Mmby df© {nN>bo df© Or Eg grE Ho$ VhV Zd{Z{hV JoQ> AmaAmogr dm{f©H$s (àr{_`_) 277367.91 0.00 {H$am`oXmam|/bmBg|g Ym[a`m| go {H$am`m 0.00 0.00 AÝ` àm{á`m§ 0.00 0.00 Hy$b 277367.91 0.00 {dÎmr` df© 2020-21 Ho$ ì``m| _| {ZåZ{bpIV Ad{Y-nyd© _Xm| H$m g_mdoe h¡:

(` bmI _|) {ddaU Mmby df© {nN>bo df© ©

XþéñVr Ed§ AZwajU 0.00 2.60 {dÚwV à^ma 0.00 0.25 {H$am`m, ñWmZr` Xa Ed§ AÝ` H$a 0.00 1.16 nyd©~r_m àr{_`_ 87.31 0.00 {d{dY ì`` 0.00 39.01 _yë` õmg 22.80 0.31 gåàojU ì`` 0.00 0.02 godm H$a 0.00 48.78 nm{bgr ñQ>mån (1300.00) 0.00 ~H$m`m Am¡a ~oXmdm-à{VboIZ (61.37) 0.00 ~r_m J«m_ IM© (166.57) 0.00 S>mH$ Ka, _Zr Am°S©>a ì`` 13.84 0.00 {dH$mg A{YH$mar`m| H$s - à{V`mo{JVm nwañH$ma (2.30) 0.00 A{^H$Vm© Šb~ ì`` 106.63 1.91 ~r_m àr{_`_ 0.00 7.68 {Zdoe à~§YZ ì`` 0.00 57.16 àm`moOZ ì`` 6.00 0.00 ^dZ d¥{Õ, ~Xbmd (46.72) 0.00 _moQ>a H$ma ì`` 0.00 0.25 empñV /ã`mO 0.40 17.55 àMma 0.00 4.98 Xmdm| H$m ^wJVmZ 0.00 235.50 Or Eg grE Ho$ VhV Zd{Z{hV JoQ> AmaAmogr-dm{f©H$s (~{hJ©_Z) 277367.91 0.00 Hw$b 276027.93 417.17

My±{H$ Cº$ CpëbpIV Ad{Y-nyd© _Xm| H$m à^md _hËdnyU© Zht h¡, AV: CÝh| amOñd boIm _| n¥WH$ ê$n go àX{e©V Zht {H$`m J`m h¢&

64th

ANNUAL REPORT

295

a) The valuation of investment property has been carried out by Rent Capitalization Method considering the market rent.b) In cases of mix use properties where the investment portion is less than 25% of the built up area, the valuation has been done

for whole property in Land Building Method.c) Revaluation of investment properties having land alone without any building/structure has been revalued as per current

market value.8. Prior Period Items:

The income for the F.Y. 2020-21 includes following Prior period items mentioned below: (` in Lakhs) Particulars Current Year Previous Year Newly Vested Non-ROC Annuity under GSCA (Premium) 277367.91 0.00 Rent from tenants/licensees 0.00 0.00 Other receipt 0.00 0.00 Total 277367.91 0.00 The expenses for the F.Y. 2020-21 includes following Prior period items mentioned below: (` in Lakhs)

Particulars Current Year Previous Year Repair & Maintenance 0.00 2.60 Electricity charges 0.00 0 . 25 Rent, Rates & taxes 0.00 1 .16 Reinsurance Premium 87.31 0 . 00 Miscellaneous Expenses 0.00 39.01 Depreciation 22.80 0 . 31 Communication expenses 0.00 0 . 02 Service Tax 0.00 48.78 Policy Stamps (1300.00) 0 . 00 Outstanding and Unclaimed Written Back (61.37) 0 . 00 Bima Gram Expenses (166.57) 0 . 00 Postage, Telegram, MO Charges 13.84 0 . 00 Development officers competition prizes (2.30) 0 . 00 Agent’s Club Expenses 106.63 1 .91 Insurance Premium 0.00 7.68 Investment Management Expenses 0.00 57.16 Sponsorship Expenses 6.00 0 . 00 House Property addition, alteration (46.72) 0 . 00 Motor Car Expenses 0.00 0 . 25 Penalties/ interest 0.40 17.55 Publicity 0.00 4 .98 Claims Paid 0.00 235.50 Newly Vested Non-ROC Annuity under GSCA (out go) 277367.91 0 . 00 Total 276027.93 417.17 The above mentioned prior period items have not been disclosed separately in the Revenue account as the impact of the same is not material.

296

64dm{f©H [anmoQ©

dt

9. Xmd| :

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| 0.00 0.00 0.00 0.00

n[an¹$Vm Xmd| 0.00 0.00 0.00 0.00

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

{ddaU Hw$b

am{e

Am`w-dma {díbofU

0-6

_mh7-12_mh

13-18 _mh

19-24 _mh

25-30 _mh

31-36 _mh

36-120 _mh

{ZnQ>mE JE Xmd|, na§Vw ~r{_V ì`{º$/nm°{bgrYmaH$m| Ûmam {H$E JE _wH$X_o Ho$ H$maU H$mo N>moS>H$a AÝ` H$maUm| de{nm°{bgrYmaH$m| / ~r{_V ì`º$s H$mo ^wJVmZ Z {H$E JE Xmdo

57301.21

(56303.29)

1753.12

(6283.95)

4355.44

(11017.92)

4418.44

(8616.44)

6975.43

(4122.09)

1858.20

(5754.48)

6866.88

(1949.03)

31073.71

(18559.38)

~r{_V ì`{º$/nm°{bgrYmaH$m| H$mo n[an¹$Vm AWdm AÝ` én go Xo` am{e

1628907.80

(1392223.18)

80213.90

(82334.78)

144447.73

(207166.72)

151945.19

(122811.29)

155080.23

(180890.26)

132507.11

(111138.14)

154992.38

(101234.33)

809721.27

(586647.66)

àr{_`_/H$a AWdm {H$gr AÝ` à^mam| 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¡&

128690.19

(117459.63)

7320.48

(8504.54)

19510.09

(15629.09)

16552.87

(16142.96)

12386.02

(21166.80)

10898.34

(9559.92)

21540.33

(7564.38)

40482.05

(38891.94)

Omar {H$E JE na§Vw nm°{bgrYmaH$/ ~r{_V ì`{º$ Ûmam ^wZmE Zht JE MoH$

34587.89

(39247.71)

3231.53

(3992.42)

78.22

(4009.72)

1418.10

(2692.52)

178.97

(3435.61)

377.36

(1917.70)

317.42

(3752.14)

28986.28

(19447.60)

*()H$moð>H$ _| {XE JE Am§H$‹S>o {nN>bo df© Ho$ Am§H$‹S>mo H$mo Xem©Vo h¡&

~) 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 1605 233.81 1384336.40

Omo‹S>|: AZ{Y`m{MV {Z{Y _| ñWmZm§V[aV am{e 199761.11 355794.66

Omo‹S>|: A{Zdm`© am{e go Omar MoH$, bo{H$Z nm°{bgrYmaH$m| Ûmam ZH$X Zht {H$`m J`m (Ho$db V^r em{_b {H$`m OmZm Mm{hE O~ MoH$ ~oH$ma hmo MwH$r hmo)

72.20 55.43

Omo‹S>|: AZ{Y`m{MV {Z{Y na {Zdoe Am` 242576.15 195232.69

KQ>m`o: df© Ho$ Xm¡amZ ^wJVmZ {H$E JE Xmdm| H$r am{e 167863.82 314113.26

KQ>m`o: EggrS>ãë`yE\$ _| ñWmZm§V[aV am{e (nhbo ñWmZm§V[aV am{e Ho$ g§~§Y _| ^wJVmZ {H$E JE Xmdm| H$m ewÕ)

30292.36 16072.11

AZ{Y`m{MV am{e \§$S> H$r g_mnZ eof am{e 1849487.09 1605233.81

64th

ANNUAL REPORT

297

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 s)

Current Year Previous Year Current Year Previous Year

Claims by death 0.00 0.00 0.00 0.00

Claims by maturity 0.00 0.00 0.00 0.00

) t te ent s o in t e e ise n l sis o ncl i e ounts o t e Polic ol ers

Particulars Total Amount

AGE WISE ANALYSIS

0-6 months

7-12 months

13-18 months

19-24 months

25-30 months

31-36 months

36-120 months

Claims Settled but not paid to the policyholders/ insured due to any reasons except under litigation from the insured/ policyholders

57301.21(56303.29)

1753.12(6283.95)

4355.44(11017.92)

4418.44(8616.44)

6975.43(4122.09)

1858.20(5754.48)

6866.88 (1949.03)

31073.71(18559.38)

Sum due to the insured/ policyholders on maturity or otherwise

1628907.80(1392223.18)

80213.90(82334.78)

144447.73(207166.72)

151945.19(122811.29)

155080.23(180890.26)

132507.11(111138.14)

154992.38(101234.33)

809721.27(586647.66)

Any excess collection of the 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

128690.19(117459.63)

7320.48

(8504.54)19510.09

(15629.09) 16552.87(16142.96)

12386.02(21166.80)

10898.34(9559.92)

21540.33(7564.38)

40482.05(38891.94)

Cheques issued but not encashed by the policyholder/insured

34587.89(39247.71)

3231.53(3992.42)

78.22(4009.72)

1418.10(2692.52)

178.97(3435.61)

377.36(1917.70)

317.42(3752.14)

28986.28(19447.60)

* Figures in brackets ( ) indicate previous year s figures

) Det ils o ncl i e ount n n est ent nco e or (` in Lakhs)

Particulars Current Financial Year Previous Financial Year

Opening Balance 1605233.81 1384336.40

Add: Amount transferred to Unclaimed Fund 199761.11 355794.66

Add: Cheques issued out of the unclaimed amount but not encashed by the policyholders (To be included only when the cheques are stale)

72.20 55.43

Add: Investment Income on Unclaimed Fund 242576.15 195232.69

Less: Amount of claims paid during the year 167863.82 314113.26

Less: Amount transferred to SCWF (net of claims paid in respect of amounts transferred earlier)

30292.36 16072.11

Closing Balance of Unclaimed Amount Fund 1849487.09 1605233.81

298

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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 Am¡a Ama~rAmB© Ho$ gmW à{V^y{`m± (EgEbAmogr grgrAmB©Eb): `202160 bmI ({nN>bo df© `1013144 bmI)

12. {ZXoe Ho$ g§~§Y _| AZw~§Ym| H$m _yë`:

Ag§~Õ ì`dgm` Ho$ g§~§Y _|:

(H$) Iar{X`m± {OZ_| n[aXmZ b§{~V hmo `52489 bmI ({nN>bo df© `58173 bmI)

(I) {~«{H«$`m± {OZ _| AXmMm[a`m± A{VXo` hmo `33789 bmI ({nN>bo df© `0 bmI)

n|eZ ì`dgm`, hoëW ì`dgm` VWm n±y§._mo. ({Z.dm. g{hV)ì`dgm` Ho$ g§~§Y _| {Zdoe go g§~§{YV H$moB© ^r g§{dXm ~H$m`m Zht Wr&

g§~Õ ì`dgm` Ho$ g§~§Y _|:

(H$) Iar{X`m± {OZ_| n[aXmZ b§{~V hmo `3109 ({nN>bo df© `2746 bmI)

(I) {~«{H«$`m± {OZ _| AXmMm[a`m± A{VXo` hmo `6289 bmI ({nN>bo df© `4163 bmI)

13. AÜ`j, à~§Y {ZXoeH$m| Ed§ à_wI à~§YH$s` ì`pŠV`m| H$mo nm[al{_H$ :

(` bmI _|) Mmby df© {nN>bo df©

doVZ Ed§ ^Îmo 278.23 247.75 n|eZ _| {ZJ_ H$m A§eXmZ 35.55 31.83

n[abpãY`m| H$m H$a`mo½` _yë` 198.22 243.09

Cn`w©º$ nm[al{_H$ _| godm{Zd¥{Îm bm^ em{_b Zht h¡ O¡go CnXmZ Am¡a Nw>Å>r ZH$XrH$aU Omo nwñVH$m| _| 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 eoàm| d gh`moJ {ZYr _| {Zdoem| H$s Eo{Vhm{gH$ bmJV:(` bmI _|)

OrdZ, dm{f©H$s Ed§ g_yh `moOZmE§ … Mmby df© {nN>bo df© B{¹$Q>r 47439563 44634230

gh`moJ {Z{Y {Zdoe 2018868 751888 (I) g§~§Õ ì`dgm` Ho$ C{MV _wë` AmYma na _yë`m§{H$V {Zdoem| H$mo Eo{Vhm{gH$ bmJV: (` bmI _|)

Mmby df© {nN>bo df© B{¹$Q>r eoà 1246333 1498888

gaH$mar à{V^y{V`m± 4012547 3948847 (J) ny±Or _moMZ VWm {ZYm©[aV dm{f©H$s g{hV C{MV _yë` AmYma na _yë`m§{H$V B{¹$Q>r eoàm| _| {Zdoem| H$s Eo{Vhm{gH$ bmJV: (` bmI _|)

Mmby df© {nN>bo df© B{¹$Q>r eoà 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{bpIV h¡:

H$) 31.03.2021 VH$ 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. _mÝ`VmE±:31.3.2021 31.3.2020

[a`m`Vr Xa 7.25% 7.75%

`mo{OV n[ag§n{Îm`m| na bm^ H$m Xa 7.25% 7.75%

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©) 11.70 11.05

64th

ANNUAL REPORT

299

ncu r nces to ssets o t e or or tion in n outsi e n i ( s certifie t e n e ent)

Assets, to the extent required to be deposited under local laws or otherwise encumbered Securities with RBI (SLOC/CCIL):

` 202160 Lakh (P. Y. ` 101344 Lakh)

12. Value of contracts in relation to Investments:

In respect of Non- Linked business:

(a) Purchases where deliveries are pending ` 52489 Lakhs (previous year ` 58173 Lakhs)

(b) Sales where payments are overdue ` 33789 Lakh (previous year NIL)

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 are pending ` 3109 Lakhs (Previous Year ` 2746 Lakhs)

(b) Sales where payments are overdue ` 6289 Lakhs (Previous Year ` 4163 Lakhs)

n eri l e uner tion to ir n n in Directors e n eri l ersons (` in Lakhs)

Current Year Previous Year Salaries & Allowances 278.23 247.75 Corporation’s contribution to Pension 35.55 31.83

Taxable Value of Perquisites 198.22 243.09 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)

i e nnuit n rou c e es Current Year Previous Year Equity 47439563 44634230

Mutual Fund Investments 2018868 751888 (b) Historical cost of investments valued on fair value basis of Linked Business is as under: (` in Lakhs)

Current Year Previous Year Equity Shares 1246333 1498888

Government Securities 4012547 3948847 (c) Historical cost of investments in Equity Shares valued on fair value basis of Capital Redemption & Annuity Certain is as under: (` in Lakhs)

Current Year Previous Year 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 31.3.2021:

The present value of the obligation and current service cost is determined based on actuarial valuation using the Projected Unit Credit Method.

I. Assumptions:

31.3.2021 31.3.2020

Discount Rate 7.25% 7.75%

Rate of return on Plan Assets 7.25% 7.75%

Salary Escalation 6.00% 6.00%

Expected Average remaining working lives of employees (years) 11.70 11.05

300

64dm{f©H [anmoQ©

dt

II. Xm{`Ëdm| Ho$ dV©_mZ _yë`m| _| hmoZodmbo n[adV©Z Xem©Zodmbr gyMr:

(` H$amo‹S> _|)31.3.2021 31.3.2020

df© H$s ewê$AmV VH$ Ho$ Xm{`Ëdm| H$mo dV©_mZ _yë` 12289.64 11590.80

A{YJ«hU g_m`moOZ - -

ã`mO bmJV _yë` 952.45 927.26

JV godm bmJV _yë` 0.00 0.00

dV©_mZ godm bmJV _yë` 335.02 322.23

g§{já bmJV _yë`/(O_m) - -

{ZnQ>mam bmJV _yë`/(O_m) - -

AXm {H$`m J`m bm^ (870.15) (687.99)

Xm{`Ëdm|na ~r_m§H$Z(bm^)/hm{Z 74.37 137.33

df© Ho$ A§V VH$ Ho$ Xm{`Ëdm| H$m dV©_mZ _yë` 12781.33 12289.64

III. `mo{OV n[ag§n{Îm`m| Ho$ C{MV _yë` _| ~Xbmd H$mo Xem©Zodmbr gyMr :

(` H$amo‹S> _|)31.3.2021 31.3.2020

df© H$s ewê$AmV VH$ Ho$ Xm{`Ëdm| H$mo dV©_mZ _yë` 12289.64 11590.80


`mo{OV n[ag§n{Îm`m| na Ano{jV bm^ 952.45 927.20

A§eXmZ 426.00 500.00

AXm {H$`m J`m bm^ (670.15) (687.99)

`mo{OV n[ag§n{Îm`m§ na ~r_m§H$Z bm^/(hm{Z) (16.61) (40.43)

df© Ho$ A§V VH$ Ho$ Xm{`Ëdm| H$m C{MV _yë` 12781.33 12289.64

IV. `mo{OV n[ag§n{Îm`m| H$m C{MV _yë` Xem©Zodmbr gyMr:

(` H$amo‹S> _|)31.3.2021 31.3.2020

df© H$s ewê$AmV `mo{OV n[ag§n{Îm`m| H$m C{MV _yë` 12289.64 11590.80


`mo{OV n[ag§n{Îm`m| na dmñV{dH$ bm^ 935.83 886.83

A§eXmZ 426.00 500.00

AXm {H$`m J`m bm^ (870.15) (687.99)

df© Ho$ A§V VH$ `mo{OV n[ag§n{Îm`m| H$m C{MV _yë` 12781.33 12289.64

{Z{YH$ pñWVr 100.00% 100.00%

`mo{OV n[ag§n{Îm`m| na AZw_m{ZV Xa na dmñVrdH$ H$m A{YŠ` (16.61) (40.43)

64th

ANNUAL REPORT

301

II. Table showing changes in Present Value of Obligations:

(` in crore)31.3.2021 31.3.2020

Present Value of obligation as at the Beginning of the year 12289.64 11590.80

Acquisition adjustment - -

Interest Cost 952.45 927.26

Past service Cost 0.00 0.00

Current service Cost 335.02 322.23

Curtailment Cost/ (Credit) - -

Settlement Cost/ (Credit) - -

Benefits paid (870.15) (687.99)

Actuarial (gain)/loss on obligations 74.37 137.33

Present Value of obligation as at the end of the year 12781.33 12289.64 III. Table showing changes in the Fair Value of Plan Assets:

(` in crore)31.3.2021 31.3.2020

Fair Value of Plan Assets at the Beginning of the year 12289.64 11590.80


Expected return on Plan Assets 952.45 927.26

Contributions 426.00 500.00

Benefits paid (670.15) (687.99)

Actuarial gain/(loss) on Plan Assets (16.61) (40.43)

Fair Value of Plan Assets at the end of the year 12781.33 12289.64 IV. Table showing changes in the Fair Value of Plan Assets:

(` in crore)31.3.2021 31.3.2020

Fair Value of Plan Assets at the beginning of the year 12289.64 11590.80

Acquisition adjustments - -

Actual return on Plan Assets 935.83 886.83


Benefits paid (870.15) (687.99)

Fair value of Plan Assets at the end of the year 12781.33 12289.64

Funded Status 100.00% 100.00%

Excess of actual over estimated return on Plan Assets (16.61) (40.43)

302

64dm{f©H [anmoQ©

dt

V. _mÝ`Vmàmá ~r_m§H$Z bm^/hm{Z

(` H$amo‹S> _|)31.3.2021 31.3.2020

df© Ho$ {bE ~r_m§H$Z bm^/hm{Z - Xm{`Ëd (74.37) (137.33)

df© Ho$ {bE ~r_m§H$Z (bm^)/hm{Z -`mo{OV n[ag§n{Îm`m± 16.61 40.43

df© Ho$ {bE Hw$b (bm^)/hm{Z 90.98 177.76

df© Ho$ _mÝ`Vmàmá ~r_m§H$Z (bm^)/hm{Z 90.98 177.76

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 YZam{e`m±

(` H$amo‹S> _|)31.3.2021 31.3.2020

df© Ho$ A§V VH$ Ho$ Xm{`Ëd H$m dV©_mZ _yë` 12781.33 12289.64

df© Ho$ A§V VH$ `moOrV n[ag§n{Îm`m| H$m C{MV _yë` 12781.33 12289.64

{Z{YH$ pñWVr 100.00% 100.00%

A-_mÝ`Vmàmá ~r_m§H$Z (bm^)/hm{Z - -

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> _|)31.3.2021 31.3.2020


JV godm bmJV _yë` 0.00 0.00

ã`mO bmJV _yë` 952.45 927.26

`mo{OV n[ag§n{Îm`m| na Ano{jV bm^ (952.45) (927.26)



df© _| _mÝ`Vmàmá ewÕ ~r_m§H$Z (bm^)/hm{Z 90.98 177.76

bm^ Ed§ hm{Z Ho$ {ddaU _| _mÝ`Vmàmá ì`` 426.00 500.00

I) g_yh A{O©V AdH$me ZH$XrH$aU Xm{`Ëd:

BH$_©Mmar gXñ`m| H$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 _| aIVo hþE, _yë`m§H$Z {V{W VH$ àX^yV bm^ àñVm{dV {H$E OmVo h¡&

I. _mÝ`VmE±:

31.3.2021 31.3.2020

[a`m`Vr Xa| 7.25% 7.75%


doVZ _| d¥{Õ 6.00% 6.00%

H$_©Mmar`m| H$m Am¡gV Ano{jV Cd©[aV H$m`©H$mb (df©) 11.70 11.05

64th

ANNUAL REPORT

303

V. Actuarial Gain/Loss Recognized

(` in crore)31.3.2021 31.3.2020

Actuarial gain/(loss) for the year –Obligation (74.37) (137.33)

Actuarial (gain)/loss for the year – Plan Assets 16.61 40.43

Total (gain)/loss for the year 90.98 177.76

Actuarial (gain)/ loss recognized in the year 90.98 177.76

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)31.3.2021 31.3.2020

Present Value of obligation as at the end of the year 12781.33 12289.64

Fair value of Plan Assets as at the end of the year 12781.33 12289.64


Unrecognized Actuarial (gains)/losses - -

Net Asset/(Liability) recognised in Balance 0.00 0.00

VII. Expense recognised in the Statement of Profit and Loss

(` in crore)31.3.2021 31.3.2020

Current Service Cost 335.02 322.23

Past Service Cost 0.00 0.00





Net actuarial (gain)/loss recognized in the year 90.98 177.76

Expenses recognized in the statement of P&L 426.00 500.00

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:

31.3.2021 31.3.2020



Salary Escalation 6.00% 6.00%

Expected Average remaining working lives of employees (years) 11.70 11.05

304

64dm{f©H [anmoQ©

dt

II. Xm{`Ëdm| Ho$ dV©_mZ _yë`m| _| n[adV©Z Xem©Zodmbr gyMr:(` H$amo‹S> _|)

31.3.2021 31.3.2020

df© Ho$ ewê$AmV VH$ Ho$ Xm{`Ëdm| H$m dV©_mZ _yë` 4679.44 4174.09


ã`mO bmJV _yë` 362.66 333.93

JV godm bmJV _yë` - -




AXm {H$`m J`m bm^ (349.00) (238.34)

Xm{`Ëdm| na ~r_m§H$Z (bm^)/hm{Z 370.03 337.93


III. `mo{OV n[ag§n{Îm`m| Ho$ C{MV _yë` _| ~Xbmd H$mo Xem©Zodmbr gyMr:(` H$amo‹S> _|)

31.3.2021 31.3.2020

df© H$s ewê$AmV _| `mo{OV n[ag§n{Îm`m| H$m C{MV _yë` 4679.44 4174.09


`mo{OV n[ag§n{Îm`m|na dmñV{dH$ bm^ 362.66 333.93

A§eXmZ 430.00 419.59

AXm {H$`m J`m bm^ (349.00) (238.34)

`mo{OV n[ag§n{Îm`m| na ~r_m§H$Z bm^/(hm{Z) 1.22 (9.82)

df© Ho$ A§V VH$ Ho$ `mo{OV n[ag§n{Îm`m| H$m C{MV _yë` 5124.31 4679.44


(` H$amo‹S> _|)31.3.2021 31.3.2020

df© H$s ewê$AmV _| `mo{OV n[ag§n{Îm`m| H$m C{MV _yë` 4679.44 4174.09


`mo{OV n[ag§n{Îm`m|na dmñV{dH$ bm^ 363.87 324.10

A§eXmZ 430.00 419.59

AXm {H$`m J`m bm^ (349.00) (238.34)

df© Ho$ A§V VH$ Ho$ `mo{OV n[ag§n{Îm`m| H$m C{MV _yë` 5124.31 4679.44

{Z{YH$ pñW{V 100.00% 100.00%

`mo{OV n[ag§n{Îm`m| na AZw_m{ZV Xa na dmñVrdH$ H$m A{YŠ` 1.22 (9.82)

64th

ANNUAL REPORT

305

II. Table showing changes in Present Value of Obligations:

(` in crore)31.3.2021 31.3.2020




Past service Cost - -




Benefits paid (349.00) (238.34)



III. Table showing changes in the Fair Value of Plan Assets:

(` in crore)31.3.2021 31.3.2020





Benefits paid (349.00) (238.34)

Actuarial gain/(loss) on Plan Assets 1.22 (9.82)

Fair Value of Plan Assets at the end of the year 5124.31 4679.44 IV. Table showing Fair Value of Plan Assets:

(` in crore)31.3.2021 31.3.2020





Benefits paid (349.00) (238.34)



Excess of actual over estimated return on Plan Assets 1.22 (9.82)

306

64dm{f©H [anmoQ©

dt

V. _mÝ`Vmàmá ~r_m§H$Z bm^/hm{Z:

(` H$amo‹S> _|)31.3.2021 31.3.2020

df© Ho$ {bE ~r_m§H$Z bm^/(hm{Z) - Xm{`Ëd (370.03) (337.93)

df© Ho$ {bE ~r_m§H$Z (bm^)/hm{Z - Xm{`Ëd - `mo{OV n[ag§n{Îm`m± (1.22) 9.82

df© Ho$ {bE Hw$b (bm^)/hm{Z 368.82 347.76


A-_mÝ`Vmàmá ~r_m§H$Z (bm^)/hm{Z`m± - -

VI. VwbZ-nÌ VWm bm^ hm{Z Ho$ {ddaU _| _mÝ`Vm àmá YZam{e`m|

(` H$amo‹S> _|)31.3.2021 31.3.2020



{Z{YH$ 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`VmàmßV ì``:(` H$amo‹S> _|)

31.3.2021 31.3.2020



ã`mO bmJV _yë` 362.66 333.93

`mo{OV n[ag§n{Îm`m| na Ano{jV bm^ (362.66) (333.93)



df© Ho$ _mÝ`Vmàmá ewÕ ~r_m§H$Z (bm^)/hm{Z 368.82 347.76


J) H$_©Mmar {Zd¥ÎmrdoVZ `moOZm 1995 Xm{`Ëd :

àñVm{dV B©H$mB© O_m nÕVr Ohm± na _yë`m§H$Z {V{W VH$ H$m H$m`©H$mb VWm {ZJ©_Z {V{W VH$ 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 {V{W 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 _mÝ`VmE± h¡ (1) [a`m`V Xa| (2) doVZ d¥{Õ

I. _mÝ`VmE±:

31.3.2021 31.3.2020

[a`m`Vr Xa| 7.75% 7.90%

doVZ _| d¥{Õ (_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©) 7.98 8.13

64th

ANNUAL REPORT

307


(` in crore)31.3.2021 31.3.2020

Actuarial gain/(loss) for the year –Obligation (370.03) (337.93)

Actuarial (gain)/loss for the year – Plan Assets (1.22) 9.82



Unrecognized actuarial (gain)/losses - -


(` in crore)31.3.2021 31.3.2020




Unrecognized Actuarial (gains)/losses - -


VII.Expense recognised in the Statement of Profit and Loss

(` in crore)31.3.2021 31.3.2020


Past Service Cost - -


Expected return on Plan Assets (362.66) (333.93)




Expenses recognized in the statement of P&L 430.00 419.59

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:

31.3.2021 31.3.2020


Rate of increase in salary (Basic+DA) 6.00% 6.00%

Rate of pension increase 5.00% 5.00%


Expected average remaining working lives of Employees (years) 7.98 8.13

308

64dm{f©H [anmoQ©

dt


(` H$amo‹S> _|)31.3.2021 31.3.2020

df© H$s ewéAmV VH$ Ho$ Xm{`Ëdm| H$m dV©_mZ _yë` 70564.19 61111.31


ã`mO bmJV _yë` 5574.57 4888.90


dV©_mZ godm bmJV _yë` 9106.48 7465.24

g§{já bmJV _yë` /(O_m) - -

{ZnQ>mam bmJV _yë` /(O_m) - -

AXm {H$`m J`m bm^ (4298.57) (5273.13)

Xm{`Ëdm|na ~r_m§H$Z (bm^)/(hm{Z) 991.12 2371.87


III. `mo{OV n[ag§n{Îm`m| Ho$ C{MV _yë` _| ~Xbmd H$mo Xem©Zodmbr gyMr:

(` H$amo‹S> _|)31.3.2021 31.3.2020

df© Ho$ ewéAmV _| `mo{OV n[ag§n{Îm`m| H$m C{MV _yë` 70564.19 61111.31


`mo{OV n[ag§n{Îm`m| na Ano{jV bm^ 5574.57 4888.90

A§eXmZ 10070.74 7990.07

AXm {H$`m J`m bm^ (4298.57) (5273.13)

`mo{OV n[ag§n{Îm`m| na ~r_m§H$Z bm^/hm{Z 26.86 1847.04



(` H$amo‹S> _|)31.3.2021 31.3.2020

df© H$s ewéAmV _| `mo{OV n[ag§n{Îm`m| H$m C{MV _yë`. 70564.19 61111.31



A§eXmZ 10070.74 7990.07

AXm {H$`m J`m bm^ (4298.57) (5273.13)


{Z{YH$ pñWVr {Z{YH$ {Z{YH$

`mo{OV n[ag§n{Îm`m| na AZw_m{ZV Xa na dmñVrdH$ H$m A{YŠ` 26.86 1847.04

64th

ANNUAL REPORT

309

II. Table Showing Changes in Present Value of Obligations

(` in crore)31.3.2021 31.3.2020




Past service Cost - -




Benefits paid (4298.57) (5273.13)


Present Value of obligation as at the end of the year 81937.79 70564.19 III. Table showing changes in the Fair Value of Plan Assets:

(` in crore)31.3.2021 31.3.2020





Benefits paid (4298.57) (5273.13)

Actuarial gain/(loss) on Plan Assets 26.86 1847.04

Fair Value of Plan Assets at the end of the year 81937.79 70564.19 IV. Tables showing Fair Value of Plan Assets

(` in crore)31.3.2021 31.3.2020





Benefits paid (4298.57) (5273.13)


Funded Status Funded Funded

Excess of actual over estimated return on Plan Assets 26.86 1847.04

310

64dm{f©H [anmoQ©

dt

V. _mÝ`Vmàmá ~r_m§H$Z bm^/hm{Z:(` H$amo‹S> _|)

31.3.2021 31.3.2020

df© Ho$ {bE ~r_m§H$Z bm^/(hm{Z) - Xm{`Ëd 991.12 2371.87


df© Ho$ {bE Hw$b (bm^)/hm{Z 964.26 524.83


A_mÝ`Vmàmá ~r_m§H$ (bm^)/hm{Z 0.00 0.00

VI. VwbZ-nÌ VWm bm^ Ed§ hm{Z Ho$ {ddaU _| _mÝ`Vmàmá YZam{e`m±:

(` H$amo‹S> _|)31.3.2021 31.3.2020


df© Ho$ A§V `mo{OV n[ag§n{Îm`m| H$m C{MV _yë` 81937.79 70564.19

{Z{YH$ pñW{V {Z{YH$ {Z{YH$

A-_mÝ`Vmàmá ~r_m§H$ (bm^)/hm{Z 0.00 0.00


VI. bm^ Ed§ hm{Z Ho$ {ddaU _| _mÝ`Vmàmá ì``:

(` H$amo‹S> _|)

31.3.2021 31.3.2020

dV©_mZ godm bmJV _yë` 9106.48 7465.24


ã`mO bmJV _yë` 5574.57 4888.90

`mo{OV n[ag§n{Îm`m| na Ano{jV bm^ ( 5574.57) (4888.90)




bm^ Ed§ hm{Z Ho$ {ddaU _| _mÝ`Vmàmá ì`` 10070.74* 7990.07

*H$_©Mm[a`m| H$mo {X`o J`o ZE n|eZ {H$H$ën Ho$ H$maU CËnÝZ hmoZo dmbo ` 11,124.66 H$amo‹S> A{V[aŠV `moJXmZ Ho$ {bE {dÎmr` Xm{`Ëd H$mo nÌ g§X^© 101/2/F&A-Life/LIC/2018-19/208 {XZm§H$ 06-07-2020 Ho$ AZwgma nm§M dfm] H$s Ad{Y _| n[aemoYZ {H$`m OmZm h¡& JV df© Ho$ _yë`m§H$Z _| ` 2224.93 H$amo‹S> H$s

EH$ {H$ñV H$mo _mÝ`Vm Xr JB© Wr Am¡a Bg df© ` 2224.93 H$amo‹S> H$s Xÿgar {H$ñV H$m {dÎm nmofU {H$`m J`m h¡ Am¡a eof ` 6674.80 H$amo‹S> H$m {dÎm nmofU

A{YH$V_ VrZ dfm} H$s Ad{Y _o {H$`m OmZm h¢ &

64th

ANNUAL REPORT

311


(` in crore)31.3.2021 31.3.2020

Actuarial gain/(loss) for the year –Obligation 991.12 2371.87




Unrecognized actuarial (gain)/losses 0.00 0.00


(` in crore)31.3.2021 31.3.2020




Unrecognized Actuarial (gains)/losses 0.00 0.00


VII.Expense recognised in the Statement of Profit and Loss

(` in crore)31.3.2021 31.3.2020




Expected return on Plan Assets ( 5574.57) (4888.90)




Expenses Recognized in the statement of profit and loss 10070.74* 7990.07

*Financial liability for additional contribution of ` 11,124.66 crore arising due to fresh pension option to the employees has been amortized over a period of five years in accordance with letter reference 101/2/F&A-Life/LIC/2018-19/208 dated 06-07-2020. An installment of ` 2224.93 crore was recognized in last year’s valuation and the second installment of ` 2224.93 crore has been funded this year and balance ` 6674.80 crore is to be funded over a maximum period of three years.

312

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K) {Z`{_V A§eH$m{bH$ H$_©Mmar {Zd¥ÎmrdoVZ `moOZm 1999 Xm{`Ëd:

BZ_| à_wI _mÝ`VmE± h¡ (1) [a`m`Vr Xa| (2) doVZ d¥{Õ

I. _mÝ`VmE±:

31.3.2021 31.3.2020

[a`mVr Xa| 7.75% 7.90%

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©) 6.31 8.14


(` H$amo‹S> _|)31.3.2021 31.3.2020

df© H$s ewéAmV VH$ Ho$ Xm{`Ëdm| H$m dV©_mZ _yë` 7.89 6.58


ã`mO bmJV _yë` 0.62 0.53

JV godm bmJV _yë` ímyÝ` ímyÝ`




AXm {H$`m J`m bm^ 0.00 0.00

`moOZm H$_©Mm[a`m| H$m g§jonU - -

Xm{`Ëdm|na ~r_m§H$Z (bm^)/hm{Z 0.89 0.77


III. `mo{OV n[ag§n{Îm`mm| Ho$ C{MV _yë` _| ~Xbmd H$mo Xem©Zodmbr gyMr:

(` H$amo‹S> _|)31.3.2021 31.3.2020

df© Ho$ ewéAmV _| `mo{OV n[ag§n{Îm`m| H$m C{MV _yë` 7.89 6.58


`mo{OV n[ag§n{Îm`m| na Ano{jV bm^/hm{Z 0.62 0.53

A§eXmZ 0.04 0.06

AXm {H$`m J`m bm^ 0.00 0.00

`mo{OV n[ag§n{Îm`m| na ~r_m§H$Z bm^ 0.85 0.71


64th

ANNUAL REPORT

313

D) e ul r P rt i e lo ees Pension c e e i ilit The principal assumptions are the (1) discount rate & (2) Salary Increase.

I. Assumptions:

31.3.2021 31.3.2020


Rate of increase in salary (Basic+DA) 6.00% 6.00%

Rate of pension increase 5.00% 5.00%


Expected average remaining working lives of Employees (years) 6.31 8.14

le o in n es in Present lue o li tions

(` in crore)31.3.2021 31.3.2020




Past service Cost Nil Nil




Benefits paid 0.00 0.00

Curtailment of employees in plan - -


Present Value of obligation as at the end of the year 9.40 7.88 le o in c n es in t e ir lue o Pl n ssets

(` in crore)31.3.2021 31.3.2020






Actuarial gain/(loss) on Plan Assets 0.85 0.71

Fair Value of Plan Assets at the end of the year 9.40 7.88

314

64dm{f©H [anmoQ©

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(` H$amo‹S> _|)31.3.2021 31.3.2020

df© H$s ewéAmV _| `mo{OV n[ag§n{Îm`m| H$m C{MV _yë` 7.89 6.58



A§eXmZ 0.04 0.06

AXm {H$`m J`m bm^ 0.00 0.00


{Z{YH$ pñWVr {Z{YH$ {Z{YH$

`mo{OV n[ag§n{Îm`m| na AZw_m{ZV Xam| na dmñV{dH$ H$m Am{YŠ` 0.85 0.71

V. _mÝ`Vmàmá ~r_m§H$Z bm^/hm{Z:

(` H$amo‹S> _|)

31.3.2021 31.3.2020

df© Ho$ {bE ~r_m§H$Z bm^/(hm{Z) - Xm{`Ëd 0.89 0.77


df© Ho$ {bE Hw$b (bm^)/hm{Z 0.04 0.06



VI. VwbZ-nÌ VWm bm^ Ed§ hm{Z Ho$ {ddaU _| _mÝ`Vmàmá YZam{e`m±:

(` H$amo‹S> _|)31.3.2021 31.3.2020


df© Ho$ A§V `mo{OV n[ag§n{Îm`m| H$m C{MV _yë` 9.40 7.88

{Z{YH$ pñW{V {Z{YH$ {Z{YH$



VII. bm^ Ed§ hm{Z Ho$ {ddaU _| _mÝ`Vmàmá ì``: (` H$amo‹S> _|)

31.3.2021 31.3.2020



ã`mO bmJV _yë` 0.62 0.53

`mo{OV n[ag§n{Îm`m| na Ano{jV bm^ ( 0.62) (0.53)





64th

ANNUAL REPORT

315

les s o in ir lue o Pl n ssets

(` in crore)31.3.2021 31.3.2020








Excess of actual over estimated return on Plan Assets 0.85 0.71


(` in crore)31.3.2021 31.3.2020

Actuarial gain/(loss) for the year –Obligation 0.89 0.77




Unrecognized actuarial (gain)/losses 0.00 0.00

VI. e ounts to e reco nise in l nce eet n t te ents o Profit oss

(` in crore)31.3.2021 31.3.2020




Unrecognized Actuarial (gains)/losses 0.00 0.00


ense reco nise in t e t te ent o Profit n oss

(` in crore)31.3.2021 31.3.2020




Expected return on Plan Assets ( 0.62) (0.53)




Expenses Recognized in the statement of profit and loss 0.04 0.06

316

64dm{f©H [anmoQ©

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J) A{V[aº$ {ddaU:

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 ~hr _yë` (` bmI _|)


`y.Ho$. bmJy Zht 0.00 0.00

_m°areg ~¢H$ Am°\$ ~S>m¡Xm _| @ 3.50% go gmd{Y O_m 179.20 193.23

{\$Or E\$.Or.Ama. ñQ>mH$ @12%, 6.50%, 12.31%, 7.23%, 13%,

5.46%,

5684.93 5282.24

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) _| {d^mOZ (à~§YZ Ûmam `Wm à_m{UV):

(` bmI _|)


(H$) OrdZ ì`dgm`:

à`moÁ` {Zdoe: 41617341 41267067

AZwà`moÁ` {Zdoe: 3512989 3669420

(I) ny±._mo. ({Z.dm.g.) ì`dgm`:

à`moÁ` {Zdoe: 8200 9600

AZwà`moÁ` {Zdoe: ímyÝ` ímyÝ`

3) nwZg©aMZm Ho$ A{YZ n[ag§n{Îm`m§ 31.03.2021 VH$:

(` bmI _|)


nwZgªaMZm Ho$ AYrZ F$U n[ag§n{Îm`m| H$s Hw$bam{e 24036 30134

nwZgªaMZm Ho$ AYrZ _mZH$ n[ag§n{Îm`m| H$s Hw$bam{e - 15727

nwZgªaMZm Ho$ AYrZ Cn-_mZH$ n[ag§n{Îm`m| H$s Hw$bam{e 24036 -

nwZgªaMZm Ho$ AYrZ g§{X½Y Ed§ ZwH$gmZrV n[ag§n{Îm`m| H$s Hw$bam{e - 14407

4) joÌdma ì`dgm` H$m à{VeV (O¡gm {H$ à~§YZ Ûmam à_m{UV {H$`m J`m h¡):


J«m_rU ì`dgm` 21.46% 21.40%

ehar ì`dgm` 78.54% 78.60%

gm_m{OH$ joÌ (~r{_V bmoJm| H$s g§»`m %)* 11.84% 23.91%

*A{YgyMZm g§»`m ^m ~r dr àm/aoJw/ 13/103/2015 Ho$ AZwgma {dÎm df© 2016-17 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 à{VeV XoZm h¡&

64th

ANNUAL REPORT

317

C) ADDITIONAL DISCLOSURES:

) n est ents e in ccor nce it t e st tutor re uire ents ( s certifie t e n e ent)

r nc Type of Securities Book Value (` in s)

Current Year Previous Year

UK Not Required 0.00 0.00

Mauritius FD with Bank of [email protected]% 179.20 193.23

Fiji FGR Stock @12%, 6.50% 12.31%, 7.23%, 13% and 5.46% 5684.93 5282.24

) e re tion into Per or in on er or in in est ents or t e ur ose o nco e reco nition ( s certifie t e Management):

(` in s)


(a) LIFE Business:

Performing investments: 41617341 41267067

Non-performing investments: 3512989 3669420

(b) CRAC Business:

Performing investments 8200 9600

Non-performing investments NIL NIL

3) Assets Subject to Restructuring as on 31.03.2021

(` in s)


Total amount of loan assets subject to restructuring 24036 30134

Total amount of standard assets subject to restructuring - 15727

Total amount of sub standard assets subject to restructuring 24036 -

Total amount of doubtful & loss assets subject to restructuring - 14407

) Percent e o usiness sector ise ( s certifie n e ent)


Rural business 21.46% 21.40%

Urban business 78.54% 78.60%

Social Sector (No. of Lives Insured in %)* 11.84% 23.91%

* 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.

318

64dm{f©H [anmoQ©

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5) AdYm[aV Am¡a ~r_mH¥$V OmopI_:

(à{VeV _|)

2020-21 2019-20

AdYm[aV OmopI_ ~r_mH¥$V OmopI_ AdYm[aV OmopI_ ~r_mH¥$V OmopI_

àW_ dfu` àr{_`_ 99.91 0.09 99.95 0.05

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:

{ddaU Mmby df© {nN>bo df©

~§X nm°{bgrXm| Ho$ {bE {Z{Y

~§X H$s JB© nm°{b{g`m| Ho$ {bE àma§{^H$ eof 5185.91 5178.00

OmoS|> : df© Ho$ Xm¡amZ ~§X nm°{b{g`m| H$s {Z{Y 1821.79 1326.41

H$_ : df© Ho$ Xm¡amZ nwZOu{dV/^wJVmZ H$s JB© nm°{b{g`m| H$r {Z{Y 2129.35 1486.16

OmoS|> : {Z{Y Ho$ {Zdoe na ewÕ Am`/bm^ 187.99 167.66

~§X nm°{b{g`m| Ho$ {bE {Z{Y H$m g_mnZ eof 5066.34 5185.91

AÝ` àH$Q>rH$aU :

{ddaUnoÝeZ

ßbg

EÝS>mo_|Q>

ßbg

g_¥Õr

ßbg

âboŠgr

ßbg

Ý`y EÝS>mo_|Q>

ßbg (835)

Ý`y EÝS>mo_|Q>

ßbg (935)SIIP (852)

{dÎmr` df© 2020-2021 Ho$

Xm¡amZ ~§X hþB© nm°{b{g`m| H$s

g§»`m

0.00 0.00 0.00 0.00 297.00 3332.00 9847.00

(2.00) (18.00) (41.00) (1.00) (543.00) (N.A.) (N.A.)

df© Ho$ Xm¡amZ ~§X hþB© ~m°{b{g`m|

H$m Hw$b nm°{b{g`m| go à{VeV

0.00 0.00 0.00 0.00 1.28 100.00 100.00

(0.01) (0.17) (0.30) (0.37) (1.57) (N.A.) (N.A.)

df© Ho$ Xm¡amZ nwZOu{dV

nm°{b{g`m| H$s g§»`m

0.00 0.00 0.00 0.00 2.00 464.00 2814.00

(1.00) 0.00 (8.00) (0) (101.00) (N.A.) (N.A.)

df© Ho$ Xm¡amZ nwZOm©{dV

nm°{b{g`m| H$m à{VeV

0.00 0.00 0.00 0.00 1.00 14.00 29.00

(50.00) 0.00 (19.51) (0) (18.60) (N.A.) (N.A.)

~§X nm°{b{g`m| na bJmE JE

à^ma (` bmIm| _|)*

0.00 0.00 0.00 0.00 1.86 45.70 179.10

(0.01) (0.26) (0.27) (0.01) (6.31) (N.A.) (N.A.)

*Xem©`o JE ewëH$ bmJV ewëH$ Am¡a g_m`mo{OV ewëH$ H$m ewÕ h¡.

H$moð>H$ _| Xem©`| J`o Am§H$So> JV df© go g§~§{YV h¡

64th

ANNUAL REPORT

319

5) Risk Retained and Insured:

( in %)

Risk retained Risk Insured Risk retained Risk Insured

First year premium 99.91 0.09 99.95 0.05

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

Particulars Current Year Previous Year

Fund for Discontinues Policies

Opening Balance of Fund for Discontinued Policies 5185.91 5178.00

Add: Fund of policies discontinued during the year 1821.79 1326.41

Less: Fund of policies revived/Paid during the year 2129.35 1486.16

Add: Net Income/Gains on Investment of the Fund 187.99 167.66

Closing Balance of Fund for Discontinued Policies 5066.34 5185.91

t er Disclosures

Particulars Pension Plus

Endowment Plus

Samriddhi Plus

Flexi Plus

New Endowment

Plus (835)

New Endowment

Plus (935)SIIP (852)

Number of policies discontinued during the

financial year2020-2021

0.00 0.00 0.00 0.00 297.00 3332.00 9847.00

(2.00) (18.00) (41.00) (1.00) (543.00) (N.A.) (N.A.)

Percentage of discontinued to total

policies during the yea

0.00 0.00 0.00 0.00 1.28 100.00 100.00

(0.01) (0.17) (0.30) (0.37) (1.57) (N.A.) (N.A.)

Number of policies revived during the year

0.00 0.00 0.00 0.00 2.00 464.00 2814.00

(1.00) 0.00 (8.00) (0) (101.00) (N.A.) (N.A.)

Percentage of policies revived during the year

0.00 0.00 0.00 0.00 1.00 14.00 29.00

(50.00) 0.00 (19.51) (0) (18.60) (N.A.) (N.A.)

Charges imposed on account of discontinued

policies ( in lakhs)*

0.00 0.00 0.00 0.00 1.86 45.70 179.10

(0.01) (0.26) (0.27) (0.01) (6.31) (N.A.) (N.A.)

* Charge shown above are net of charges imposed and charges readjusted

320

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7) ^m.~r.{d.àm. Ûmam {ZYm©[aV {dÎmr` {ddaUm| Ho$ g§{já {ddaU n[a{eï> 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$ZB§{S>`m Ea``moaoÝg H§$. {b.

gmD$Xr B§{S>`Z H§$nZr H$mo.Am°n. Bí`moaoÝg

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> {b.

EbAmB©gr å`wÀ`wAb \$ÊS> Q´>ñQ>r H§$nZr àm. {b.

AmB©S>r~r-AmB© ~¢H$ {b.

AmB©S>r~r-AmB© Q´>ñQ>rgrn g{d©gog {b.

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.

AmB© S>r ~r AmB© ~¢H$

K) 31.03.2021 H$mo ~moS©> Ho$ gXñ` Am¡a à_wI à~§YZ H$m{_©H$:

~moS©> Ho$ gXñ`

lr E_ Ama Hw$_ma AÜ`j 14.03.2019 go

lr {d{nZ AmZÝX à~§Y {ZXoeH$ 01.04.2019 go

lr _wHo$e Hw$_ma JwßVm à~§Y {ZXoeH$ 01.11.2019 go

lr amO Hw$_ma à~§Y {ZXoeH$ 01.11.2019 go

lr {gÜXmW© _hmpÝV à~§Y {ZXoeH$ 01.02.2021 go

lr n§H$O O¡Z gXñ` 21.10.2020 go

lr amOrd a§OZ gXñ` 21.10.2020 go

lr_Vr nX_Om Mw§Sw>é gXñ` 16.11.2018 go

lr Xodoe lrdmñVdm nXoZ gXñ` 03.01.2020 go

64th

ANNUAL REPORT

321

7) Summary of Financial Statements and ratios as prescribed by IRDA Refer Annexure 1 & 2 respectively 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:

Kenindia Assurance Co. Ltd.

Saudi Indian Company for Co-operative Insurance.

B) Associate Companies

LIC Housing Finance Ltd.

LIC HFL Asset Management Company Ltd.

LIC Mutual Fund Asset Management Ltd.

LIC Mutual Fund Trustee Company Pvt. Ltd.

IDBI Bank Ltd.

IDBI Trusteeship Services Ltd.

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) e ers o t e o r e Persons s on

e ers o t e o r

Shri M.R. Kumar Chairman w.e.f. 14.03.2019

Shri Vipin Anand Managing Director w.e.f. 01.04.2019

Shri Mukesh Kumar Gupta Managing Director w.e.f. 01.11.2019

Shri Raj Kumar Managing Director w.e.f. 01.11.2019

Shri Siddhartha Mohanty Managing Director w.e.f. 01.02.2021

Shri Pankaj Jain Member w.e.f. 21.10.2020

Shri Rajeev Ranjan Member w.e.f. 21.10.2020

Smt. Padmaja Chunduru Member w.e.f 16.11.2018

Shri Devesh Srivastava Ex-Officio Member w.e.f. 03.01.2020

322

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lr Eg. EZ. _moH$mer H$m`©H$mar {ZXoeH$ ({Zdoe-Omo. àm. AZwg§YmZ),

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lr E. Ho$. AmZ§X H$m`©H$mar {ZXoeH$ ({Zdoe) Am¡a (_w»` {Zdoe A{YH$mar) 08.06.2020 go

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07.05.2018 go

31.05.2020 VH$

01.06.2020 go

lr_Vr {dYw d_m© H$m`©H$mar {ZXoeH$ (~moS>©/Ama.gr/Or Oo E\$)

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lr n§H$O O¡Z gXñ` 21.10.2020 go

lr amOrd a§OZ gXñ` 21.10.2020 go

lr_Vr nX_Om Mw§Sw>é gXñ` 16.11.2018 go

lr Xodoe lrdmñVdm nXoZ gXñ` 03.01.2020 go

à_w»` gXñ`

lr S>r. nr. _moh§Vr H$m`©H$mar {ZXoeH$ (A§Ho$jU) Am¡a (_w»` Am§V[aH$ A§Ho$jU) 02.07.2018 go

lr Eg. EZ. _moH$mer H$m`©H$mar {ZXoeH$ ({Zdoe-Omo. àm. AZwg§YmZ),

(_w»` OmopI_ A{YH$mar)

05.06.2020 go

lr E. Ho$. AmZ§X H$m`©H$mar {ZXoeH$ ({Zdoe) Am¡a (_w»` {Zdoe A{YH$mar) 08.06.2020 go

lr nr. _wabrYaZ H$m`©H$mar {ZXoeH$ (Mktg/PDEV/SBA) (_w»` {dnUZ A{YH$mar)

02.11.2020 go

lr_Vr ew^m§Jr Eg gmo_U à_wI ({dËV Ed§ boIm) (_w»` {dÎm A{YH$mar)

H$m`©H$mar {ZXoeH$ ({dËV Ed§ boIm) (_w»` {dÎm A{YH$mar)

07.05.2018 go

31.05.2020 VH$

01.06.2020 go

lr {XZoe n§V {Z`wŠV ~r_m§H$H²$ 17.01.2020 go

lr S>r. nr. nQ²>Q>Zm`H$ à_wI (I/ C) ({Z.g./{Z.AZw/Oo.Or.E\$) 03.06.2021 go

S>) {ddaU {Og_| ~r_m A{Y{Z`_ 1938 H$s Ymam 11(2) Ho$ A§VJ©V ì`dgm` Ho$ à~§YZ Ho$ à^mar ì`{º$`m| Ho$ Zm_ {ddaU, ì`dgm` Am¡a Ym[aV {ZXoeH$

nX Xr JB© h¢&

64th

ANNUAL REPORT

323

e PersonsShri D.P.Mohanty ED Audit (Chief Internal Audit) w.e.f. 02.07.2018

Shri S.N. Mokashi ED Investment (RMR) (Chief Risk Officer) w.e.f. 05.06.2020

Shri A.K. Anand ED INV OP (Chief Investment Officer) w.e.f. 08.06.2020

Shri P. Muraleedharan ED (Mktg/PDEV/SBA)(Chief Marketing Officer) w.e.f. 02.11.2020

Smt Shubhangi S.Soman Chief (F&A) (Chief Finance Officer)

ED (F&A) (Chief Finance Officer)

07.05.2018 to 31.05.2020w.e.f. 01.06.2020

Smt Vidhu Verma ED (B/RC/G F)(Chief Compliance Officer) w.e.f. 01.06.2020

Shri Dinesh Pant Appointed Actuary w.e.f. 17.01.2020

e ers o t e o r e Persons s on

e ers o t e o r

Shri. M.R. Kumar Chairman w.e.f. 14.03.2019

Shri. Vipin Anand Managing Director w.e.f. 01.04.2019

Shri. Mukesh Kumar Gupta Managing Director w.e.f. 01.11. 2019

Shri. Raj Kumar Managing Director w.e.f. 01.11 .2019

Shri Siddhartha Mohanty Managing Director w.e.f. 01.02.2021

Shri Pankaj Jain Member w.e.f. 21.10.2020

Shri Rajeev Ranjan Member w.e.f. 21.10.2020

Smt. Padmaja Chunduru Member w.e.f 16.11.2018

Shri Devesh Srivastava Ex-Officio Member w.e.f. 03.01.2020

e PersonsShri D.P.Mohanty ED Audit (Chief Internal Audit) w.e.f. 02.07.2018

Shri S.N. Mokashi ED Investment (RMR) (Chief Risk Officer) w.e.f. 05.06.2020

Shri A.K. Anand ED INV OP (Chief Investment Officer) w.e.f. 08.06.2020

Shri P. Muraleedharan ED (Mktg/PDEV/SBA) (Chief Marketing Officer) w.e.f. 02.11.2020

Smt Shubhangi S.Soman Chief (F&A) (Chief Finance Officer)

ED (F&A) (Chief Finance Officer)

07.05.2018 to 31.05.2020w.e.f. 01.06.2020

Shri Dinesh Pant Appointed Actuary w.e.f. 17.01.2020

Shri D.P. Pattanaik Chief (I/C) (Corp. Gov/ RC/GJF) w.e.f. 03.06.2021

E) Statement containing names, description, occupations of and directorships held by the persons in charge of management of the business under section 11(2) of the Insurance Act, 1938.

324

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64th

ANNUAL REPORT

325

Sr. No. Name Description Profile Directors i el s on st rc

1. Shri M R Kumar ChairmanLIC of India

LIC Pension Fund LtdLIC Cards Services LtdLIC Mutual Fund Asset Management Co LtdLIC Housing Finance Limited IDBI Bank LimitedLIC (Nepal) LtdLIC (International) BSC (c) BahrainLIC (Lanka) LtdKenIndia Assurance Company LtdLife Insurance Corporation (Singapore) Pte. LtdACC Limited

2. Shri Vipin Anand Managing Director LIC of India

LIC Cards Services LtdLIC Bangladesh LtdLIC Housing Finance Limited LIC (International) BSC (c) BahrainGrasim Industries LimitedNational Insurance AcademyLIC Golden Jubilee Foundation

3. Shri Mukesh Kumar Gupta

Managing Director LIC of India

LIC Cards Services LtdLIC (Nepal) LtdDCM Shriram Industries LtdNational Insurance AcademyLIC Golden Jubilee Foundation

4. Shri Raj Kumar Managing Director LIC of India

LICHFL Care Homes LtdLICHFL Asset Management Co LtdLife Insurance Corporation (Lanka) LtdNational Insurance AcademyLIC Golden Jubilee Foundation

5. Shri Siddhartha Mohanty


LIC Golden Jubilee FoundationLIC Bangladesh LimitedLIC Pension Fund LimitedNational Insurance Academy

Sr. No. Name Description Profile Directors i el s on t June, 2021

1. Shri M R Kumar ChairmanLIC of India

LIC Pension Fund LtdLIC Cards Services LtdLIC Mutual Fund Asset Management Co LtdLIC Housing Finance Limited IDBI Bank LimitedLIC (Nepal) LtdLIC (International) BSC (c) BahrainLIC (Lanka) LtdKenIndia Assurance Company LtdLife Insurance Corporation (Singapore) Pte. LtdACC Limited

2. Shri Vipin Anand Managing Director LIC of India

LIC Cards Services LtdLIC Bangladesh LtdLIC Housing Finance Limited LIC (International) BSC (c) BahrainGrasim Industries LimitedNATIONAL INSURANCE ACADEMYLIC Golden Jubilee Foundation

326

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M) Cn`w©ŠV g§~§{YV njH$mam| Ho$ gmW 2020-2021 df© Ho$ Xm¡amZ {ZJ_ Ho$ g§ì`dhmam| H$m ñdê$n Ed§ Am`VZ {ZåZ h¡ :

(` bmI _|)

Egmo{gEQ²>gà_wI à~§YZ H$m{_©H$

EbAm`gr hmD$qgJ

\$m`ZmÝg {b.

EbAm`gr EME\$Eb EgoQ> _¡ZoO_|Q> H§$.

EbAm`gr å`wÀ`wAb \§$S>

EE_. {b.

Am`S>r~rAm` ~¢H$ {b.

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g{d©gµO {b.

BpŠdQ>r, F$Um| Am¡a å`wÀ`wAb \$ÊS> H$s IarX

0 (0)

0.00(44.17)

1028020.17(611746.43)

0.00 - -

å`wÀ`wAb \$ÊS> H$s {~H«$s -0.00

(47.82)1065200.93(742498.49)

- -

F$Um| Am¡a ~mÊS>m|, H$Om] na CÝ_moMZ

200000.00 (50000.00)

- -4000.00

#- -

bm^ Am` - -7505.30

(52762.25)- - -

{Zdoem| go bm^m§e Am` - - - - - -

AmdoXZ am{e - -22500.00(0.00)

- - -

{Zdoe go Am`157908.30

(169673.11) 13.60

(25.62) 0.00

(24.75)28217.38

#450.00

(450.00)-

{H$am`m 843.53

(733.72)-

209.73 (251.33)

- - -

AÝ` àemg{ZH$ ì`` H$s à{VnyVu/^wJVmZ

181.21 (84.81)

10.29 (18.56)

192.34 (27.75)

128.91#

- -

à~§YH$s` n[al{_H$ - - - - -512.00

(522.67)

Hw$b358933.04

(220491.64) 23.89

(136.17)2123628.47

(1407311.00)32346.29

#450.00

(450.00)512.00

(522.67)

64th

ANNUAL REPORT

327

3. Shri Mukesh Kumar Gupta


LIC Cards Services LtdLIC (Nepal) LtdDCM Shriram Industries LtdNational Insurance AcademyLIC Golden Jubilee Foundation

4. Shri Raj Kumar Managing Director LIC of India

LICHFL Care Homes LtdLICHFL Asset Management Co LtdLife Insurance Corporation (Lanka) LtdNATIONAL INSURANCE ACADEMYLIC Golden Jubilee Foundation

5. Shri Siddhartha Mohanty


LIC Golden Jubilee FoundationLIC Bangladesh LimitedLIC Pension Fund LimitedNational Insurance Academy

F) The nature and volume of transactions of the Corporation during the year 2020-21 with the above related parties were as follows:

(` in s)Associates

Key Management

PersonnelLIC Housing Finance Ltd.

LIC HFL Asset Management

Co.

LIC Mutual Fund AM Ltd.

IDBI Bank Ltd.

IDBI Trusteeship Services Ltd.

Purchase of Equity, Debts, bonds and Mutual Fund

0 (0)

0.00(44.17)

1028020.17(611746.43) 0.00 - -

Sale of Mutual Fund - 0.00(47.82)

1065200.93(742498.49) - -

Redemption on Debts & bonds / Loans

200000.00 (50000.00) - - 4000.00

# - -

Gain Income - - 7505.30 (52762.25) - - -

Dividend Income from Investments - - - - - -

Application Money - - 22500.00(0.00) - - -

Income from Investment 157908.30(169673.11)

13.60 (25.62)

0.00 (24.75)

28217.38 #

450.00(450.00) -

Rent 843.53 (733.72) - 209.73

(251.33) - - -

Reimbursement / payment towards other administrative Expenses

181.21 (84.81)

10.29 (18.56)

192.34 (27.75)

128.91# - -

Managerial Remuneration - - - - - 512.00 (522.67)

TOTAL358933.04

(220491.64) 23.89

(136.17)2123628.47

(1407311.00)32346.29

#450.00

(450.00)512.00

(522.67)

328

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EbAm`gr H$mS©>

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EbAm`gr (A§Vaamï´>r`){~Eggr(gr)

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{b.

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Am`S>r~rAm` ~¢H$ {b.

BpŠdQ>r, F$Um| Am¡a å`wÀ`wAb \$ÊS> H$s IarX

- - - - - -0.00

(5235.00)#

(474300.00)

å`wÀ`wAb \$ÊS> H$s {~H«$s

- - - - - - - -

F$Um| Am¡a ~mÊS>m|, H$Om] na CÝ_moMZ

- - - - - - - #(100)

{Zdoem| go bm^m§e Am` - - - -- -

- -

gmd{Y O_m na ã`mO g§~§Yr Am`

- - - - - - - -

{Zdoe _| Am`- -

0.00

(1646.24)- - - - #

(28243.02)

AmdoXZ am{e- - - - -

0.00

(605.35)- -

dm{f©H$ VH${ZH$s/AmB©Q>r g_mYmZ \$sg àmá

- -20.00

(20.00)

16.97

(15.93)

0.00

(73.84)- - -

{H$am`m-

4.05

(4.44)- - - - - -

AÝ` àemg{ZH$ ì`` H$s à{VnyVu/^wJVmZ

1345.85

(1225.51)

2.54

(2.54)- - - - - #

(33.51)

gm°âQ>doAa noHo$O B©-bmB©\$

- - - - - -

aIaImd d g_W©Z godm`|

- - --

- - - -

Hw$b1345.85

(1225.51)

6.59

(6.98)

20.00

(1666.24)

16.97

(15.93)

0.00

(73.84)

0.00

(605.35)

0.00

(5235.00)#

(502676.53)

#{dÎmr` df© 2020-21 Ho$ Xm¡amZ IDBI ~¢H$ {b. H$m ghm`H$ go gh`moJr _| dJuH$aU ~Xb {X`m J`m h¡&

(` bmI _|)

g§`wŠV CnH«$_

Ho$ZB§{S>`m Eí`moa|g H§$nZr {b.

BpŠdQ>r, F$Umo Am¡a å`wMwAb \§$ÊS> H$s IarX -

å`wÀ`wAb \$ÊS> H$s {~H«$s -

64th

ANNUAL REPORT

329

(` in s)

Subsidiaries

LIC Pension

Fund

LIC Card

Services

LIC Nepal Ltd.

LIC n l es

LIC (International)

B.S.C.(c) r in

LIC (Lanka)

Ltd.

LIC Singapore

Pte Ltd

IDBI Bank Ltd.

Purchase of Equity, Debts, bonds and Mutual Fund

- - - - - - 0.00(5235.00)

#(474300.00)

Sale of Mutual Fund - - - - - - - -

Redemption on Debts & bonds / Loans

- - - - - - - #(100)

Dividend Income from Investments - - - - - - - -

Interest Income on Fixed Deposit - - - - - - - -

Income from Investment - - 0.00

(1646.24) - - - - #(28243.02)

Application Money - - - - - 0.00(605.35) - -

Annual Technical/ I.T. Solution fees received

- - 20.00 (20.00)

16.97(15.93)

0.00 (73.84) - - -

Rent - 4.05 (4.44) - - - - - -

Reimbursement /payment towards other administrative expenses

1345.85 (1225.51)

2.54 (2.54) - - - - - #

(33.51)

Software Package e Life - - - - - -

Maintenance and Support Services - - - - - - - -

TOTAL1345.85

(1225.51)6.59

(6.98)20.00

(1666.24)16.97(15.93)

0.00(73.84)

0.00 (605.35)

0.00(5235.00)

#(502676.53)

Classification of IDBI Bank Ltd. from Subsidiary to Associate has been changed during F.Y. 2020-21.

(` in s)

Joint Venture

enin i ssur nce o t

Purchase of Equity, Debts, bonds and Mutual Fund -

Sale of Mutual Fund -

330

64dm{f©H [anmoQ©

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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 _| Am`20.19

(38.48)

dm{f©H$ VH${ZH$s/AmB©Q>r g_mYmZ \$sg àmá21.14

(15.52)

{H$am`m -

AÝ` àemg{ZH$ ì`` H$s à{VnyVu/^wJVmZ -

gmâQ>doAa nm¡Ho$O-B© bmB©\$ -

aIaImd d g_W©Z godm`| -

Hw$b41.33

(54.00)

9) g§`wŠV gh`moJr H§$nZr`m| _| ^mJrXmar g§~§Yr 31.3.2021 H$m {dËVr` {ddaU (bo._m.23)EbAm`gr

hmD$qgJ

\$m`ZmÝg {b.

(boIm n[a{jV)

EbAm`gr EME\$Eb

EgoQ>_¡ZoO_|Q> H§$.{b

(boIm n[a{jV)

EbAm`gr å`wÀ`wAb

\§$S> EgoQ> _¡ZoO_|Q> {b.

(AboIm n[a{jV)

EbAm`gr å`wÀ`wAb

\§$S> Q´>ñQ>r H§$.àm.{b

(AboIm n[a{jV)

AmBS>r~rAmB© Q´>ñQ>rern

g{d©gµO {b.

(boIm n[a{jV) 31.03.2020@

Am`S>r~rAm`

~¢H$ {b.

(boIm n[a{jV)

1. _| ñWm{nV ^maV ^maV ^maV ^maV ^maV ^maV

2. {Z`§§ÌU H$m {hñgm 40.31%

(40.31%)

5.38%

(5.38%)

44.96%

(44.94%)

49%

(49%)

29.84%

(29.84%)

49.24% **

Egmo{gEQ>g go XrKm©d{Y {Zdoe 98599.11

(98599.11)

49.44

(49.44)

494.30

(494.30)

0.49

(0.49)

30.00

(30.00)

2913460.11**

OmoSo>/(KQ>mE§) A{YJ«hU Ho$ g_`gwZm_/ (nw§OrJV g§M`)

0.00

(0.00)

0.00

(0.00)

0.00

(0.00)

0.00

(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)

0.00

(0.00)

0.00

**

OmoSo>/ (KQ>mE§) {ZdoeH$m| Am¡a Egmo{gEQ>g Ho$ ~rM hþE boZXoZ Ho$ n[aUm_ñdn àmßV Z hþAm bm^ (hm{Z)

0.00

(0.00)

0.00

(0.00)

0.00

(0.00)

0.00

(0.00)

0.00

(0.00)

0.00**

OmoSo>/(KQ>mE§) g§M`r d[a` eo`am| na bm^m§e Ho$ g_m`moOZ Ho$ níMmV Egmo{gEQ> _| bm^/(hm{Z) H$m {hñgm

826372.74

(729292.55)

221.61

(193.82)

4997.38

(4704.91)

16.48

(11.93)

6515.95

(6007.93)

1323356.35**

Hw$b 924971.85

(827891.66)

271.05

(243.26)

5491.68

(5199.21)

16.97

(12.42)

6545.95

(6037.93)

4236816.46**

*H$moð> () {XE JE Am§H$So> {nN>bo df© H$s am{e Xem©Vr h¡&

**{dÎmr` df© 2020-21 _| IDBI ~¢H$ {b. H$m. dJuH$aU ghm`H$ go gh`moJr _| {H$`m J`m h¡&

# EbAm`agr hmD$qgJ \$mBZ|g {b. H$s Eb AmB© gr EM E\$ Eb EgoQ> _¡ZoO_|Q> H§$. {b{_Q>oS> _| 94.62% {hñgoXmar h¡&

@ IDBI Q´>ñQ>rern g{d©goO {b.Ho$ 31.03.2021 Ho$ dm{f©H$ ImVo CnbãY Zhr h¢&

64th

ANNUAL REPORT

331

Redemption on Debts & bonds / Loans -

Dividend Income from Investments -

Interest Income on Fixed Deposit -

Income from Investment 20.19(38.48)

Annual Technical/ I.T. Soluation fees received 21.14(15.52)

Rent -

Reimbursement /payment towards other administrative expenses -

Software Package e Life -

Maintenance and Support Services -

TOTAL 41.33(54.00)

) P

(` in s)

LIC Housing Finance Ltd.

(Audited)

LIC HFL Asset Management

Company Ltd.#

(Audited)

LIC Mutual Fund Asset

Management Ltd.

(Unaudited)

LIC Mutual Fund Trustee Company Pvt.

Ltd.(Unaudited)

D rustees i Services Ltd.

(Audited) 31.03.2020@

IDBI Bank Ltd.

(Audited)

1. Incorporated in India India India India India India

2. Proportion of Holding 40.31%(40.31%)

5.38%(5.38%)

44.94%(44.94%)

49%(49%)

29.84% (29.84%)

49.24% **

Long Term Investment in Associates Cost of Investments

98599.11(98599.11)

49.44(49.44)

494.30(494.30)

0.49(0.49)

30.00 (30.00)

2913460.11**

Add/ (Less) Goodwill / (Capital Reserve) at the time of acquisition

0.00(0.00)

0.00(0.00)

0.00(0.00)

0.00(0.00)

0.00(0.00)

0.00**

(Less) : Distribution fromAssociates

0.00(0.00)

0.00(0.00)

0.00(0.00)

0.00(0.00)

0.00(0.00)

0.00**

Add / (Less) Unrealized Profit /(Loss) resultingfrom transaction between Investors and Associates.

0.00(0.00)

0.00(0.00)

0.00(0.00)

0.00(0.00)

0.00(0.00)

0.00**

Add/(Less) Share of Profit/(Loss) in Associate after adjustment of dividend on cumulative preferential shares

826372.74(729292.55)

221.61(193.82)

4997.38 (4704.91)

16.48 (11.93)

6515.95(6007.93)

1323356.35**

TOTAL 924971.85(827891.66)

271.05(243.26)

5491.68 (5199.21)

16.97(12.42)

6545.95(6037.93)

4236816.46**

* Figures in brackets ( ) indicate previous year s figures ** Classification of IDBI Bank Ltd. from Subsidiary to Associate has been changed during F.Y. 2020-21. LIC Housing Finance Ltd. is holding 94.62% in LIC HFL Asset Management Company Ltd. @ Annual Accounts of IDBI Trusteeship Services Ltd. As at 31.12.2021 are not available.

332

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dt

10) g§`wŠV gh`moJr H§$nZr`m| _| ^mJrXmar g§~§Yr 31.3.2021 H$m {dËVr` {ddaU (bo._m.21)

EbAm`gr noÝeZ

\$ÊS> {b.

(boIm n[a{jV)

EbAm`gr H$mS©>

g{d©gog {b.

(boIm n[a{jV)

EbAm`gr (qgJmnya)

nrQ>rB© {b.

(boIm n[a{jV)

EbAm`gr

~m§JbmXoe

(boIm n[a{jV)

31.03.2021 H$mo 31.03.2021 H$mo 31.12.2020 H$mo 31.12.2020 H$mo

1. _| ñWm{nV ^maV ^maV qgJmnya ~m§JbmXoe

2. {Z`§§ÌU H$m {hñgm 100%

(100%)

100%

(100%)

100%

(100%)

83.33%

(83.33%)

3. n[agånpËV`m±, Xo`VmE§ Am¡a {Zdb bm^ H$s

AZwnm{VH$ am{e

(`bmI _|)

n[agånpËV`m± 5719

(5177)

2670

(2020)

45442

(44572)

5176

(4296)

Xo`VmE§ 1655

(1364)

1569

(1335)

31726

(30626)

756

(32.00)

H$a níMmV bm^ 250

(143)

396

(343)

-786

(-1076)

293

(306)

4.Hw$b ì`mnH$ Am` - - -786

( -1076)

-

( - )

5. AmH$pñ_H$ Xo`VmAm| _| {hñgm 80.00

(80.00)

0

(0)

0

(0)

#

0

(0)

#

EbAm`gr Zonmb {b.

(AboIm n[a{jV)

EbAm`gr

(A§Vaamï´>r`)

{~Eggr(gr) ~harZ

(boIm n[a{jV)

EbAm`gr

(b§H$m) {b.

(boIm n[a{jV)

Am`S>r~rAm`

~¢H$ {b.

(boIm n[a{jV)

15.07.2020 H$mo 31.12.2020 H$mo 31.12.2020 H$mo 31.03.2021 H$mo

1. _| ñWm{nV Zonmb ~harZ lrb§H$m ^maV

2. {Z`§§ÌU H$m {hñgm 55%

(55%)

98.90%

(98.90%)

80%

(80%)@

(51%)

3. n[agånpËV`m±, Xo`VmE§ Am¡a {Zdb bm^ H$s AZwnm{VH$ amer

(` bmI _|)

n[agånpËV`m± 260023

(208929)

1435807

(1520312)

10403

(9745)@

(15336380)

Xo`VmE§ 249931

(199837)

1321506

(1431770)

10211

(8512)@

(13554475)

H$a níMmV bm^ 443

(527)

13845

(-449)

-1187

(-907)@

(-654597)

64th

ANNUAL REPORT

333

P D

LIC Pension Fund Ltd

(Audited)

LIC Card Services Ltd.

(Aaudited)

Life Insurance Corporation

(Singapore) Pte Ltd.(Audited)

LIC n l es

(Audited)

As at 31.03.2021

As at31.03.2021

As at31.12.2020

As at31.12.2020

1. Incorporated in India India Singapore Bangladesh

2. Proportion of Holding 100%(100%)

100%(100%)

100% (100%)

83.33% (83.33%)

3. Proportionate amount of Assets, Liabilities and Net Profit.

(` in Lakhs)

Assets 5719(5177)

2670(2020)

45442(44572)

5176(4296)

Liabilities 1655(1364)

1569(1335)

31726(30626)

756(32.00)

Profit/(Loss) after tax 250(143)

396(343)

-786(-1076)

293 (306)

4.Total Comprehensive Income -786(-1076)

-( - )

5. Share in contingent liabilities 80.00(80.00)

0(0)

0(0)#

0(0)#

LIC (Nepal) Ltd.(Unaudited)

LIC (Intl), B.S.C (c), r in

(Audited)

LIC (Lanka) Ltd.

(Audited)

IDBI Bank Ltd.

(Audited)

As at 15.07.2020

As at31.12.2020

As at31.12.2020

As at31.03.2021

1. Incorporated in Nepal Bahrain Sri Lanka India

2. Proportion of Holding 55%(55%)

98.90%(98.90%)

80% (80%)

@ (51%)

3. Proportionate amount of Assets, Liabilities and Net Profit.

(` in Lakhs)

Assets 260023(208929)

1435807(1520312)

10403(9745)

@(15336380)

Liabilities 249931(199837)

1321506(1431770)

10211(8512)

@(13554475)

Profit/(Loss) after tax 443(527)

13845(-449)

-1187(-907)

@ (-654597)

334

64dm{f©H [anmoQ©

dt

4. Hw$b ì`mnH$ Am` - 23979

(20951)

-1058

(-681)

-

5. AmH$pñ_H$ Xo`VmAm| _| {hñgm 294

(274)

#

379

(658)

#

0

(0)

#

@(5975171)

* H$moð> () {XE JE Am§H$So> {nN>bo df© H$s am{e Xem©Vr h¡.

** n[agån{V`m| Ed§ Xm{`Ëdm| Ho$ {bE {dpËV` {ddaUm| H$s Vm[aI H$s {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¡.

@ {dÎmr` df© 2020-21 _| IDBI ~¢H$ {b. H$m. dJuH$aU ghm`H$ go gh`moJr _| {H$`m J`m h¡&

# boIm| H$mo ñWmZr` {~_m {d{Y`m| Ho$ AZwgma V¡`ma {H$`m J`m h¡.

11) g§`wŠV CÚ_m| _| ^mJrXmar g§~§Yr 31.3.2021 H$m {dËVr` {ddaU (bo._m.27)…

{ddaU

Ho$ZB§{S>`m

Eí`moaoÝg H§$.{b.

(AboIm n[a{jV)

gmD$Xr B§{S>`Z H§$nZr

\°ma H$mo. Am°nao{Q>d

BÝí`yaoÝg

31.12.2020 H$mo 31.12.2020 H$mo @

1. _| ñWm{nV Ho$Z`m gmD$Xr

2. {Z`§§ÌU H$m {hñgm 10.21% 4.98%

3. n[agånpËV`m±, Xo`VmE§ Am¡a {Zdb bm^ H$s AZwnm{VH$ amer

(` bmI _|)

n[agånpËV`m± 39407.16(37347.45)

-(793.79)

Xo`VmE§ 36119.55(34469.52)

-(1816.41)

Am` 7680.36(6090.09)

-(91.50)

ì`` 6625.846247.38)

-(396.36)

4. AmH$pñ_H$ Xo`VmAm| _| {hñgm 1227.62(1457.60)

#

-(-) #

* H$moð> () {XE JE Am§H$So> {nN>bo df© H$s am{e Xem©Vr h¡.

** n[agån{V`m| Ed§ Xm{`Ëdm| Ho$ {bE {dpËV` {ddaUm| H$s Vm[aI H$s {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¡.

@ gmD$Xr B{S>`Z H§$nZr \$m°a H$mo. Am°n. BÝí`wa|g Ho$ 31.12.2020 Ho$ ImVo CnbãY Zht h¡&

12) ñWm`r n[agånpËV na à^m{dV _yë`hmg H$s Xa:

H«$.g§ gån{V _yë`hmg H$s Xa

_yë`õmg

H$ \${Z©Ma Ed§ {\$qQ>½g1 \${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/noSo>ñQ>b) 10%

64th

ANNUAL REPORT

335

4.Total Comprehensive Income 23979(20951)

-1058(-681)

-

5. Share in contingent liabilities 294(274)

#

379(658)

#

0(0)#

@(5975171)

*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. Classification of IDBI Bank Ltd. from Subsidiary to Associate has been changed during F.Y. 2020-21. # The Accounts have been prepared as per local insurance laws. ) P ( )

ennin i Assurance Co. Ltd.

(Unaudited)

SAUDI INDIAN COMPANY FOR

P INSURANCE

As at 31.12.2020

As at 31.12.2020 @

1. Incorporated in Kenya Saudi

2. Proportion of Holding company 10.21% 4.98%

3. Proportionate Amount of Assets, Liabilities, Income and Expenses.

(` in Lakhs)

Assets 39407.16(37347.45)

-(793.79)

Liabilities 36119.55(34469.52)

-(1816.41)

Income 7680.36(6090.09)

-(91.50)

Expenses 6625.846247.38)

-(396.36)

4. Share in contingent liabilities 1227.62(1457.60)

#

-(-) #

* 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. Annual Accounts of SAUDI INDIAN COMPANY FOR CO-OPERATIVE INSURANCE as at 31.12.2020 are not available. ) tes o De reci tion c r e on i e ssets

Sr.No. Asset Rate of Depreciation

A Furniture and fittings

1 Furniture and fittings 10%

2 Refrigerators and water coolers, etc. 13.91%

3 Electric fittings and ceiling fans in rented premises 10%

4 Fans (table/pedestal) in rented/owned premises 10%

336

64dm{f©H [anmoQ©

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I gwMZm àmoÚmo{JH$s H$s CnñH$a1 BboŠQ´>m°{ZH$ 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 dmhZ1 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$m`m©b` CnñH$a1 H¡$ÝQ>rZ CnñH$a 10%

2 boIm _erZ 30%

3 ES´o>gmoJ«m\$/ES´o>_m VWm ~«S>_m _erZo§ 10%

4 Q>§H$Z _erZo§ 10%

5 Sw>pßbHo$Q>g© 20%

6 MoH$ {bIZodmbm 10%

7 \«±$qH$J _erZ 10%

8 Vwbm _erZ 10%

9 H$m°ånQ>mo_rQ>g©, OmoS> VWm n[aH$bZ `§Ì 20%

L AÝ`1 Xÿa^mf 10%

2 \¡$Šg/BnrE~rEŠg 10%

3 _mo~mB©b \$moÝg VWm AÝ` g§MmaU CnñH$a 30%

4 nwñVH$mb` H$s 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§ ^dZ1 J¥h gånpËV Ed§ ^y{_ (~§YZ _wŠV) 2%

2 J¥h gånpËV Ed§ ^y{_ (~§YH$) nÅ>m An{Y AmYm[aV `WmZwnmV brµO H$s Ad{Y _o AZwnm{VH$ én go3 gaH$mar g§ñWm _| I[aXo JE ñdm{_Ëd dmbo {Zdmg I§S> 2%

4 J¥h gånpËV Ed§ ^y{_ (~§YZ _wŠV Ed§ ~§YH$) _| {dÚwV g§ñWmnZ, n§Io, {bßQ> Ed§ OZaoQ>a 10%

64th

ANNUAL REPORT

337

B Information Technology Equipment

1 Electronic Computers/microprocessors Printers 30%

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

1 Canteen Equipment 10%

2 Accounting machines 30%

3 Addressograph, Adrema and Bradma Machines, etc. 10%

4 Typewriters 10%

5 Duplicators 20%

6 Cheque Writers 10%

7 Franking machines 10%

8 Weighing Machines 10%

9 Comptometers, adding and calculating Machines 20%

E Others

1 Telephones 10%

2 Fax/Epabx 10%

3 Mobile phones and other communication equipment 30%

4 Library Books 20%

5 Miscellaneous Capital Equipment 10%

6 Audio Visual & other Allied equipment 30%

7 Neon signs, Glow signs, Hoardings and other publicity materials 20%

8 Engineering Department s equipment costing over `. 5000/- 12.50%

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 Societies 2%

4 Electrical Installations, fans, lifts and generators in House Property(Freehold & Leasehold)

10%

338

64dm{f©H [anmoQ©

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13) àmdYmZmo H$s J{V :

(` bmI _|)

Mmby df© {nN>bo df©1 àñVm{nV bm^m§e Ho$ {bE

(5% _yë`Z A{Yeof)

àma§{^H$ eof 269774.28 266059.54

df© Ho$ Xm¡amZ `moJ 288901.01 269774.28

^maV gaH$ma H$mo Xr JB© am{e 0.00 266059.54

a{jV am{e H$m Ama{jV Ed§ A{Yeof _| A§VaU 558675.29 0.00

A§{V_ eof 0.00 269774.28

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

A§{V_ eof 1494305.60 1494305.60

14) à~§YZ H$m ì``:

à~§YZ H$m ì`` AmB©AmaS>rEAmB© Ho$ {d{Z`_Z 2016 (OrdZ ~r_m ì`dgm` _| OwQ>o hwE ~r_mH$Vm© Ho$ à~§YZ H$m ì``) Ho$ AZwgma Mma I§S>m| H$mo N>mo‹S>H$a h¡&

hmbm§{H$ Hw$b {_bmH$a à~§YZ Ho$ dmñV{dH$ ì`` g^r I§S>m| Ho$ {bE ñdrH$m`© Hw$b ì`` H$r gr_m Ho$ ^rVa h¢&

`y Ho$ ì`dgm` Ho$ g§~§Y _| OrdZ gh^mJr ì`gm` Ho$ VhV à{V nm°{bgr £ 50 go A{YH$ H$m IM© eoà YmaH$m| Ho$ Ûmam dhZ {H$`m OmVm h¡, Am¡a VXZwgma

eoà YmaH$m| Ho$ Imao _| 4.75 H$amo‹S> H$s am{e MmO© H$s JB© h¢

15) I§S>r` ~¡b|g erQ> H$r àñVw{V na àH$Q>rH$aU:

EbAmB©gr A{Y{Z`_, 1956 H$r Ymam 24 Ho$ AZwgma, {ZJ_ EH$ {Z{Y aIVm h¡ Am¡a {ZJ_ H$r g^r agrX| dhm§ na O_m H$a Xr OmVr h¡, {Og_| go g^r

^wJVmZ {H$E OmVo h¢& VXZwgma ~r_m§{H$H$ _yë`m§H$Z go CËnÞ hmoZo dmbo A{Yeof H$m g__yë` H$mamo~ma _| Iwbmgm {H$`m OmEJm& amOñd ImVm I§S>r` AmYma

na V¡`ma {H$`m OmVm h¡ Am¡a `h dm{f©H$ [aQ>Z© H$m EH$ {hñgm hmoVm h¡& nm°{bgr YmaH$m| Ho$ \§$S> H$m Iwbmgm goJ_|Q> Ho$ AmYma na {Z`§{ÌV \§$S>m| Ho$ ñQ>oQ>_|Q> _|

{H$`m OmVm h¡&

16) {dXoer _wÐm ^§S>ma:

\$sOr, _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$`m J`m Wm, A~ ò AZwgyMr 6-H$… ~r_m Ama{jV YZamer (nm°{bgrYmaH$)

Am¡a AZwgyMr 6 … Ama{jV Am¡a A{Yeof (eoàYmaH$) Ho$ A§VJ©V {dXoer {d{Z_` ^§S>ma _| g§{MV h¡&

17) 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:

64th

ANNUAL REPORT

339

13) Movement of Provisions:(` in s)


1 For Proposed Dividend

(5% Valuation Surplus)

Opening Balance 269774.28 266059.54

Addition during the year 288901.01 269774.28

Amount paid to Government of India 0.00 266059.54

Amount retained and transfer to Reserves & Surplus 558675.29 0.00

Closing Balance 0.00 269774.28

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

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 four segments. However on an overall basis the actual expenses of management are within the limit of aggregate expenses allowable for all the segments.

In respect of UK Business the expenditure in excess of 50 per policy under Life Par Business is borne by shareholders and accordingly an amount of 4.75 crores has been charged to shareholder s Account.

) Disclosure on resent tion o se ent l l nce eet

As per section 24 of LIC Act, 1956, the corporation maintains a single fund and all receipts of the corporation are credited thereto and all payments are made there from. Accordingly surplus arising from Actuarial valuation will be disclosed in par business. The revenue account is prepared on segmental basis and is a part of annual returns. The policy holders fund is disclosed on segmental basis in the statement of controlled funds.

) orei n c n e eser e

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 Schedule 6A: Insurance Reserves (Policyholders) and Schedule 6: Reserve and surplus (shareholders).

) e icro ll n e iu nter rises De elo ent ct

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:

340

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H«$.g§. {ddaU 31 _mM©, 2021 H$mo 31 _mM©, 2020 H$mo

1 gyú_, bKy Ed§ _Ü`_ CÚ_ H$mo AàXËV ~Mr _ybYZ H$s YZam{e ímyÝ` 13.97

2 Cna 1 Ho$ AZwgma AàXËV nS>r _ybYZ H$s YZam{e na Cnm{O©V ã`mO ímyÝ` ímyÝ`

3 godmAm| H$s gwnwX©Jr/H$s VmarI go 15 {XZ `m gh_V g_` Ho$ níMmV df© go Xm¡amZ _ybYZ

H$s YZam{e Ed§ ^yJVmZ H$s JB© ã`mO H$s YZam{e ímyÝ` 4.36

4 df© Ho$ Xm¡amZ _ybYZ na Xo` na§Vw A^r VH$ ^wJVmZ Z {H$`m J`m ã`mO ímyÝ` ímyÝ`

5 AmJm_r dfm] _| ^r Xo` Am¡a ^wJVmZ`mo½` AJbo ã`mO H$s YZam{e, Cg VmarI VH$ O~ H$mQ>o

OmZo `mo½` IM} H$s AZw_{V Z XoZo H$s CÔoí` Ho$ {bE Cn`w©ŠV Xo` ã`mO H$m bKw CÚ_ H$mo

dmñVd _| ^wJVmZ Z H$a {X`m OmE& ímyÝ` ímyÝ`

18) AD$Q>gmog© ì``, ì`dgm` {dH$mg Ed§ {dnUZ ghm`Vm(` bmI _|)

{ddaU Mmby df© {nN>bo df©

AD$Q>gmog© ì`` 48563.74 41974.10

ì`dgm` {dH$mg 149999.75 180161.35

{dnUZ ghm`Vm 48660.40 60239.10

19) {d{dY gaH$mar g§ñWmAm| Ûmam {bE J`o XmpÊS>H$ H$m`©dmhr…

H«$. g§. g§ñWm J¡a AZwnmbZ/

Cëb§KZ

am{e (` bmI _|)

XÊS>

gå_m{ZV

XÊS>

àXËV

XÊS>

A{YË`mJ

KQ>m`m J`m1 ~r_m {d{Z`m_H$ Ed§ àm{YH$aU

{ZMo Xr JB© Vm{bH$m Ho$ AZwgma

0 0 0

2 godm H$a àm{YH$aU / OrEgQ>r 0.02 0.02 0

3 Am`H$a àm{YH$aU 6.43 6.43 0

4 AÝ` H$a àm{YH$aU 0.23 0.23 0

5 àdV©Z {ZXoemb`/{ZUm©`H$ àm{YH$aU/Ý`m`m{YH$aU Am¡a \o$_m Ho$ A§VJ©V H$moB© ^r àm{YH$aU

0 0 0

6 H§$nZr a{OñQ´>ma/EZgrEbQ>r/grEb~r/{ZJ{_V H$m`© {d^mJ Am¡a H§$nZr EŠQ>, 1956 Ho$ A§VJ©V AÝ` àm{YH$aU

0 0 0

7 {H$gr Ý`m`mb`/Ý`m`m{YH$aU Ûmam {H$gr r {df` Xmdm wJVmZ j{Vny{V© H$mo N>moS>H$a {X`m J`m XÊS>

3.71 3.71 0

8 {gŠ`w[aQ>r EÊS> EŠgM|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$ àm{YH$aU 888.78 0.10 0

Hw$b 899.16 10.49 0

64th

ANNUAL REPORT

341

(` in s)

Sr. No. Particulars As at March 31, 2021 As at March 31,

2020

1 Principal amount remaining unpaid to Micro, small & medium enterprise. Nil 13.97

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 amount made beyond 15 days or agreed time from the date of delivery /rendering of services.

Nil 4.36

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 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.

Nil Nil

18) Outsourcing Expenses, Business Development and Marketing Support:(` in s)

Particular Current Year Previous Year

Outsourcing Expenses 48563.74 41974.10

Business Development 149999.75 180161.35

Marketing Support 48660.40 60239.10

) Pen l ction t en rious o ern ent ut orities

Sl No. Authority Non-Compliance/

Violation

Amount (` in s)

Penalty Awarded

Penalty Paid

Penalty Waived/ Reduced

1 Insurance Regulatory and Development Authority as per table given

below

0 0 0

2 GST/Service Tax Authorities 0.02 0.02 0

3 Income Tax Authorities 6.43 6.43 0

4 Any other Tax Authorities 0.23 0.23 0

5 Enforcement Directorate/ Adjudicating Authority/ Tribunal or any Authority under FEMA

0 0 0

6 Registrar of Companies/ NCLT/CLB/ Department of Corporate Affairs or any Authority under Companies Act, 1956

0 0 0

7 Penalty awarded by any Court/ Tribunal for any matter including claim settlement but excluding compensation

3.71 3.71 0

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 / Statutory Authority

888.78 0.10 0

Total 899.16 10.49 0

342

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dt

[aQ>Z© \$mBqbJ Ed§ H$amYmZ O_m H$aZo _| Xoar 6.43

noeoda H$a Ho$ Xoa go àofU 0.23~r_mYmaH$m| Ho$ nj _| AXmbV Ûmam {X`m J`m Ow_m©Zm 3.71

~r_mYmaH$ _m_bo Ho$ Abmdm gaH$mar àm{YH$aU Ûmam {X`m J`m Ow_m©Zm 888.78dñVw Ed§ godmH$a / godmH$a àm{YH$aU 0.02Hw$b 899.17

20) \«$s-byH$ Ad{Y Ho$ {bE àmdYmZ:

31.03.2021 H$mo \«$s-byH$ Ad{Y Ho$ {bE àmdYmZ, _mh Aà¡b, 2021 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 2021 _| 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©, 2021

`m Cggo nhbo nyU© hþB© h¡&

21) gm§{d{YH$ boIm n[ajH$m| H$mo {X`m J`m A{V[aŠV H$m_:

boIm n[ajH$m| Ho$ Zm_ àXmZ H$s JB© godmE§ 31 _mM©, 2021 H$mo 31 _mM©, 2020 H$mo

_¡. IÝSo>bdmb O¡Z EÊS> H§$. à_mUZ H$m`© 0.95 1.83

(Cna Xem©ò A§mHµµµ$‹S>o godm H$a/OrEgQ>r H$mo N>mo‹S> H$a h¢)

22) B§S> EEg Ho$ H$m`m©Ýd`Z H$s àJ{V…

H§$nZr H$m`© _§Ìmb` (E_grE) Ûmam Xr JB© àma§{^H$ ê$naoIm Ho$ AZwgma, ~r_m H§$n{Z`m| go B§S> EEg H$m H$m`m©Ýd`Z Aà¡b 2018 go H$aZo H$s Anojm H$s JB©

Wr& ^maVr` ~r_m {d{Z`m_H$ Am¡a {dH$mg àm{YH$aU (AmB©AmaS>rEAmB©) Zo B§S> EEg Ho$ H$m`m©Ýd`Z H$mo AmñW{JV {H$`m Š`m|{H$ A§Vaamï´>r` boIm§H$Z _mZH$

~moS©> (AmB©EEg~r) Zo AmB©E\$AmaEg 17 H$m g§emoYZ H$aZo H$m EH$ gw{dMm[aV {ZU©` {b`m Wm&

OyZ 2020 _| AmB©EEg~r Zo AmB©E\$AmaAg 17 H$m g§emoYZ {H$`m VWm Bgo 1 OZdar 2023 H$mo `m CgHo$ ~mX àma§^ hmoZodmbr dm{f©H$ [anmo{Qª>J Ad{Y`m|

Ho$ {bE à^mdr ~Zm`m& AmB©grEAmB© Ho$ boIm§H$Z _mZH$ ~moS©> (EEg~r) Zo AmB©E\$AmaEg 17 Ho$ gmW gwg§JV ê$n _| B§S> EEg 117 (~r_m g§{dXmE±) Ho$ {bE

g§emoYZm| H$m EŠgnmoµOa àmê$n ~Zm`m h¡ Omo 24 {Xg§~a 2020 H$mo Omar {H$`m J`m h¡& A§{V_ ê$n XoZo Ho$ ~mX, E_grE Ûmam B§S> EEg 117 H$mo A{Ygy{MV

{H$`m OmEJm Am¡a VXZwgma AmB©AmaS>rEAmB© Ûmam ~r_m CÚmoJ Ho$ {bE ^maVr` boIm§H$Z _mZH$ Ho$ H$m`m©Ýd`Z H$s à^mdr VmarI H$m {ZU©` {H$`m OmEJm&

h_ BZ _mZH$m| Ho$ H$m`m©Ýd`Z Ho$ g§~§Y _| AmB©AmaS>rEAmB© Am¡a AÝ` ì`mdgm{`H$ {ZH$m`m| Ho$ {Xem{ZX}em| H$s àVrjm H$a aho h¢, Š`m|{H$ Cº$ _mZH$m| (B§S>

EEg) H$m ñdê$n AË`§V VH$ZrH$s Am¡a O{Q>b h¡& BZ {Xem{ZX}em| Ho$ àM{bV hmoZo na àUmbr Am¡a à{H«$`mAmo± _| Cn`wº$ n[adV©Z bmJy {H$ò OmE±Jo&

B§S> EEg Ho$ H$m`m©Ýd`Z Ho$ {bE Zò boIm§H$Z _mZH$m| H$s AnojmAmo± H$m nVm bJmZo Am¡a CZH$m _yë`m§H$Z H$aZo Ho$ {bE g§~§{YV {d^mJm| _| _w»` Q>r_| ~ZmB© JB©

h¢& O¡gm {H$ {nN>br ~moS©> ~¡R>H$ _| gy{MV {H$`m J`m h¡, EH$ g_pÝdV ~r_m§{H$H$ gmâQ>doà g_mYmZ H$s IarX Ho$ {bE EH$ d¡{œH$ AmaE\$nr àma§^ {H$`m J`m

h¡ VWm VXZwgma AmB©E\$AmaEg 17 (B§S> EEg 117) Ho$ A§VJ©V Ano{jV ~r_m§{H$H$ n[aH$bZ {Zînm{XV H$aZo Ho$ {bE gj_ gmâQ>doà àUmbr? ""àmo\o$Q>''

H$s IarX _mM© 2021 _| H$s JB© Wr& nam_e©XmVm B©dmB© EoŠMwE[a`b g{d©goµO EbEbnr Ûmam ~r_m§{H$H$ gmâQ>doà H$m H$m`m©Ýd`Z {H$`m Om ahm h¡&

23) gmVF$U Ho$ VhV gwajm am{e 300583 bmI Am§{eH$ ê$n go {Zînm{XV H$s JB© h¢ Ed§ CgH$s C{MV à{H«$`m Mb ahr h¡& ({nN>bo df© 300583 bmI)

24) {ZJ_ Ho$ H$_©Mm[a`m| H$m doVZ g§emoYZ ha nm§M dfm] _| {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$m àmdYmZ AZw_m{ZV AmYma na {H$`m J`m h¡&

25) {dœ ñdmñÏ` g§JR>Z Ûmam 11 _mM© 2020 H$mo H$s JB© KmofUm Ho$ AZwgma H$mo{dS>-19 EH$ Mmby d¡{œH$ _hm_mar h¡& ^maV g{hV {dœ â _| BgH$s ì`m{á Ho$

n[aUm_ñdê$n d¡{œH$ Am¡a ^maV Ho$ Am{W©H$ n[adoe na C„oIZr` à^md n‹S>m h¡& {ZJ_ Zo df© 2020-21 Ho$ Xm¡amZ H$mo{dS>-19 _hm_mar Ho$ H$maU CËnÞ

hmoZodmbo Xmdm| g{hV _¥Ë`w Xmdm| _| d¥{Õ H$m gmjmËH$ma {H$`m h¡& VXZwgma, H$mo{dS> 19 _hm_mar Ho$ H$maU A{V[aº$ _¥Ë`w X~md Ed§ nm{bgr Xo`VmAm| Am¡a

emoYj_Vm na CgHo$ à^md H$s gmdYmZrnyd©H$ {ZJamZr aIr JB© h¡ VWm Bgo Ama{jV ê$n _| (BZ [aµO{dªJ) _mZm J`m h¡& gmd©O{ZH$ nhþ±M (npãbH$ S>mo_oZ)

_| CnbãY gyMZm H$mo{dS> 19 Ho$ H$maU AZw_m{ZV ^mdr _¥Ë`w-Xa AZw^d _| {H$gr XrK©H$m{bH$ n[adV©Z H$s Amdí`H$Vm H$m {ZUm©`H$ ê$n go gwPmd Zht

XoVr& VWm{n, `h {ddoH$nyU© g_Pm J`m h¡ {H$ XrK©H$m{bH$ _¥Ë`w-Xa Ho$ nydm©Zw_mZm| _| n[adV©Z H$aZo H$s Amdí`H$Vm Ho$ {~Zm H$mo{dS>-19 [aµOd© Ho$ ê$n _|

J¡a AZwnmbZ/Cëb§KZ H$m {ddaU:

64th

ANNUAL REPORT

343

Delay In return filling & late remittance of tax 6.43

Late remittance of professional tax 0.23

Penalty awarded by Court in favor of policyholders 3.71

Penalty awarded by Govt. Authority other than the policyholder matters. 888.78

GST/ Service Tax Authority 0.02

Total 899.17 ) Pro ision or ree loo erio

Provision for free-look period as at 31.03.2021 has been made on the basis of actual premium refunded during April, 2021. The provision is made with an assumption that all refund of premium during the month of April, 2021 pertained to the policies completed on or before 31st March, 2021.

) ition l or i en to t tutor u itors

(` in s)

Name of the Auditors Services rendered As at March 31,2021 As at March 31,2020

M/s Khandelwal ain & Co. Certification Work 0.95 1.83

(The above figures are excluding GST/Service Tax)

22) Progress of implementation of Ind AS:

As per the initial roadmap given by Ministry of Corporate Affairs (MCA), insurance companies were required to implement Ind AS from April 2018. Insurance Regulatory Development Authority of India (IRDAI) deferred the implementation of Ind AS since International Accounting Standard Board (IASB) had taken a considered view to amend IFRS 17.

In une 2020, the IASB amended IFRS 17 and has made it effective from annual reporting periods beginning on or after 1st anuary 2023. The Accounting Standard Board (ASB) of ICAI has formulated the Exposure Draft of amendments to Ind AS

117 (Insurance Contracts), consistent with IFRS 17 which was issued on 24th December, 2020. On finalization, Ind AS 117 will be notified by MCA and accordingly the effective date of implementation of the Indian Accounting Standard for Insurance Industry would be decided by IRDAI.

We await guidelines from IRDAI and other professional bodies on implementation of these standards, as the said standards (Ind AS) are very technical and complex in nature. Appropriate changes in the system and processes will be carried out once these guidelines are in place.

Core teams to ascertain and evaluate the requirements of new Accounting Standards, for implementation of Ind AS, are formed in concerned departments. As informed in earlier Board Meeting, a global RFP for purchase of an integrated actuarial software solution was oated and accordingly software system “prophet” capable for performing actuarial calculations required under IFRS 17 (Ind AS 117) was purchased in March 2021. The implementation of actuarial software system is being done by consultant EY actuarial services LLP.

23) Security under seven loans, amounting to 300583 Lakh executed partially and is under due process (Previous Year 300583 Lakh).

24) 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.

25) The COVID-19 is an ongoing global pandemic as declared by World Health Organisation on March 11, 2020. Its spread across the globe including India has resulted in significant impact on global and India s economic environment. The Corporation during the year 2020-21 witnessed increase in death claims including claims arising due to COVID 19 pandemic. Accordingly, the additional death strain on account of COVID 19 pandemic and its impact on the policy liabilities and solvency is closely monitored and considered in reserving. Available information in public domain does not conclusively suggest need for any

Details of non compliance/Violation:

344

64dm{f©H [anmoQ©

dt

EH$ AbJ Ama{jV {Z{Y gwa{jV aIr OmE& {ZJ_ Ho$ So>Q>m Am¡a AZw^d Ho$ g§~§Y _| {d{YdV² g_m`mo{OV Am¡a bmJy {H$ò Jò ê$n _|, ^maVr` OZg§»`m Ho$

g§~§Y _| ^maV gaH$ma Ho$ gm§p»`H$s` òmoVm| go CnbãY amï´>r` gm§p»`H$s H$mo Ü`mZ _| aIVo hþE H$mo{dS> 19 _¥Ë`wAmo± Ho$ {bE H$mo{dS> go g§~§{YV Ama{jV {Z{Y

H$m AZw_mZ {H$`m J`m h¡ Am¡a VXZwgma {ddoH$nyU© gmdYmZr Ho$ {bE _m{O©Z H$mo Omo‹S>Zo Ho$ ~mX ì`dgm` H$s XmoZm| d¡`{º$H$ Am¡a gm_y{hH$ ~r_m ì`dñWmAm| Ho$

A§VJ©V àmdYmZ {H$`m J`m h¡&

`h H$mo{dS> 19 [aµOd© nm{bgr Xo`VmAm| Ho$ {bE {ZYm©aU Am¡a àmdYmZ H$aVo g_` àËòH$ df© àmdYmZ H$s OmZodmbr ì`dpñWV _¥Ë`w-Xa Ama{jV {Z{Y Ho$

A{V[aº$ h¡&

26) {dÎmr` df© 2019-20 Ho$ {bE A{Yeof ( 199.16 bmI Ho$ grAmaEgr ì`dgm` Ho$ A{Yeof g{hV) Ho$ gaH$ma Ho$ A§e, Omo 269973.45 bmI H$s

am{e Ho$ àñVm{dV bm^m§e / _yë`m§H$Z A{Yeof Ho$ {bE àmdYmZ _| {Z{hV Wm, Ed§ dV©_mZ {dÎmr` df© 2020-21 Ho$ {bE 290314.86 bmI H$s am{e

Ho$ A{Yeof ( 258.18 bmI Ho$ grAmaEgr ì`dgm` Ho$ A{Yeof g{hV) Ho$ gaH$ma Ho$ A§e H$mo ^maV gaH$ma Am¡a AmB©AmaS>rEAmB© go àmá AZw_moXZ Ho$

AZwgma Ama{jV {Z{Y`m| ([aµOdm]) Ho$ ê$n _| aIm J`m h¡&

27) 31.03.2021 H$mo g_mßV hmoZo dmbo df© Ho$ {bE aonmo/[adg© aonmo ì`dhma

{ddaU df© Ho$ Xm¡amZ Ý`wZV_ ~H$m`mdf© Ho$ Xm¡amZ A{YH$V_

~H$m`m

df© Ho$ Xm¡amZ X¡{ZH$

Am¡gV ~H$m`m

31.03.2021 H$mo

~H$m`m

REPO Ho$ VhV ~oMr JB© à{V^w{V

1. gaH$mar à{V^w{V`m± 2. H$mnm}aoQ> F$U à{V^w{V`m

ewÝ` ewÝ` ewÝ` ewÝ`

à{V^w{V`m| H$mo àË`mdm{V©V aonmo Ho$ VhV

IarXm J`m

1. gaH$mar à{V^w{V`m±*534.40 H$amoS> 19888.61 H$amoS> 7434.87 H$amoS> 7418.25 H$amoS>

2. H$mnm}aoQ> F$U à{V^w{V`m ewÝ` ewÝ` ewÝ` ewÝ`

28) nwZ…g_yhZ AWdm nwZd©JuH$aU…

Mmby df© Ho$ dJuH$aU H$m g_W©Z H$aZo Ho$ {bE Ohm± ^r Amdí`H$ h¡ dhm± {nN>bo df© Ho$ Am§H$‹S>m| H$m nwZ…g_yhZ {H$`m J`m h¡& Cº$ nwZ…g_yhZ H$m {ddaU

{ZåZmZwgma h¡…

H«$_

g§.

{ZåZ{bpIV _| nwZ…g_y{hV {ZåZ{bpIV go nwZ…g_y{hV am{e

(bmI énò)

H$maU

1. bm^-hm{Z boIm

AÝ` Ho$ à{V nm{bgrYmaH$m| Ho$ ImVo _| A§eXmZ

bm^-hm{Z boIm

(J) ({Zdoem| Ho$ {dH«$`/ _moMZ na

hm{Z)

475.97 eoàYmaH$m| Ho$ ImVo go A§eXmZ

{H$ò Jò Or~rnr 50 à{V nm{bgr

go A{YH$ nm{bgr Ho$ ZdrH$aU

ì`` hmoZo Ho$ H$maU {Ogo bm^-

hm{Z boIo Am¡a amOñd boIo Ho$

AJ«^mJ _| AbJ ì`dñWm _X Ho$

ê$n _| Xem©`m OmZm Mm{hE&

2. amOñd boIm

AÝ` Ho$ à{V eoàYmaH$m| Ho$ ImVo go A§eXmZ

amOñd boIm

(H$)ã`mO, bm^m§e Am¡a {H$am`m

- gH$b*

475.97

3 AZwgyMr g§. 2 ì`dñWm _X…

A{^H$Vm©Amo±/Xbmbm|/AÝ` _Ü`d{V©`m| H$mo

à{V\$b Am¡a/ `m nm[al{_H$

AZwgyMr g§.

3 ì`dñWm _X… ^Îmo Am¡a H$_reZ

(~r_m A{^H$Vm©Am| H$mo H$_reZ

H$mo N>mo‹S>H$a AÝ`)

31536.14 A{^H$Vm©Am|/Xbmbm|/AÝ`

_Ü`d{V©`m| H$mo à{V\$b Am¡a/`m

nm[al{_H$ Omo OrdZ ~r_mH$Vm©Am|

Ûmam {dÎmr` {ddaU V¡`ma H$aZo Ho$

g§~§Y _| AmB©AmaS>rEAmB© n[anÌ

{XZm§H$ 04 Aºy$~a 2019 Ho$ {~ÝXþ

g§. 3 Ho$ AZwgma AbJ ì`dñWm

_X Ho$ ê$n _| Xem©ò Jò h¢&

64th

ANNUAL REPORT

345

long term change in the expected future mortality experience on account of COVID 19. It is however, considered prudent that a separate reserve is kept as COVID-19 reserve without need for changing long term mortality assumptions. Considering the national statistics as available from Government of India statistical sources on Indian Population, duly adjusted and applied on the Corporation s data and experience, covid related reserve for COVID 19 deaths was estimated and accordingly provided for under both individual and group insurance lines of businesses, after adding margin for prudence.

This COVID 19 reserve is in addition to the mortality reserve provided each year while determining and providing for the policy liabilities.

26) The Government s share of surplus (including surplus of CRAC business of 199.16 lakhs) for F.Y. 2019-20, which was lying in the provision for proposed dividend/ valuation surplus amounting to 269973.45 lakhs and the Government s share of surplus (including surplus of CRAC business of 258.18 Lakhs) for the current F.Y. 2020-21 amounting to 290314.86 lakhs have been retained as reserves, in accordance with approval from Government of India and IRDAI.

) e o e erse e o tr ns ctions or t e e r en e

Minimum outstanding during the year

Maximum outstanding during

the year

Daily average outstanding during

the year

Outstanding as on 31.03.2021

Securities sold under REPO1. Government Securities 2. Corporate Debt securities

NIL NIL NIL NIL

Securities Purchased under reversed Repo1 Government Securities*

534.40 Crore 19888.61 Crore 7434.87 Crore 7418.25 Crore

2. Corporate Debt securities NIL NIL NIL NIL

28) Regroupings or reclassification:

Figures for the previous year have been re-grouped wherever necessary, to confirm to current year s classification. The details for regrouping are as follows:

Sr. No. Regrouped to Regrouped from Amount ( in Lakhs)

Reason

1. Profit loss ccount Contribution to Policyholders’ Account towards others

Profit loss ccount(c) (Loss on sale/redemption of investments)

475.97 Being renewal expenses of policy in excess of GBP 50 per policy contributed from Shareholders’ Account to be shown as separate line item on the face of Profit & Loss Account and Revenue Account

2. Revenue AccountContribution from Shareholders’ Account towards others

Revenue Account(a) Interest, Dividends & Rent - Gross*

475.97

3 c e ule o Line item: Rewards and or remuneration to agents/brokers / other intermediaries

c e ule o Line item: Allowances and commission (other than commission to insurance agents)

31536.14 Rewards and or remuneration to agents/ broker/other intermediaries shown as Separate Line Item as per Point No. 3 of IRDAI circular on Preparation of Financial Statement by Life Insurers dated 04th Oct. 2019.

346

64dm{f©H [anmoQ©

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4 AZwgyMr g§. 8H$ (OrdZ) H$. XrK©H$m{bH$ {Zdoe

3. AÝ` AZw_mo{XV {Zdoe -

(K) {S>~|Ma/~m§S>

4. ~w{Z`mXr g§aMZm Am¡a gm_m{OH$ joÌ _| {Zdoe

6. KQ>mE± : g§{X½Y {Zdoem| Ho$ {bE àmdYmZ

I. AënH$m{bH$ {Zdoe


(K) {S>~|Ma/~m§S>



AZwgyMr g§. 12

ì`dñWm _X… 9

AÝ`- iii. AÝ` AmpñV`m±

H$) {Z{YH$ ã`mO

I) {Z{YH$ ã`mO Ho$ {bE àmdYmZ

3355.61

12677.95

(16033.56)

5148.55

2971.03 (8119.58)

ghr boIm§H$Z à{H«$`m Ho$

gmW gw`mo{OV H$aZo Ho$ {bE

E\$AmB©Q>rEb H$m nwZ©dJuH$aU

5 AZwgyMr g§. 8H$ (n|eZ-31)

H$. XrK©H$m{bH$ {Zdoe





(K) {S>~|Ma/~m§S>


AZwgyMr g§. 12

ì`dñWm _X… 9

AÝ`-iii. AÝ` AmpñV`m±

H$) {Z{YH$ ã`mO


1568.02

(1568.02)

32.74

( 32.74)




6 AZwgyMr g§. 8H$ (n|eZ-31)



(K) {S>~|Ma/~m§S>





(K) {S>~|Ma/~m§S>


AZwgyMr g§. 12

ì`dñWm _X… 9

AÝ`-iii. AÝ` AmpñV`m±

H$) {Z{YH$ ã`mO


102028.69

7784.15 (7784.15)

25.23

(25.23)




64th

ANNUAL REPORT

347

4 c e ule o ( i e)A. Long Term Investments 3. Other Approved Investment –(d) Debentures/Bonds 4. Investments in Infrastructure and Social Sector 6. LESS : Provision for doubtful investments

ort er n est ents 3. Other Approved Investment –(d) Debentures/Bonds 4. Investments in Infrastructure and Social Sector 6. LESS : Provision for doubtful investments

c e ule oLine Item: 9

Others –iii Other assets

a) Funded Interest

b) Provision for Funded Interest

3355.61

12677.95

(16033.56)

5148.55

2971.03

(8119.58)

Reclassification of FITL to align with correct accounting procedure.

5 c e ule o (Pension )A. Long Term Investments 4. Investments in Infrastructure and Social Sector 6. LESS : Provision for doubtful investments

ort er n est ents 3. Other Approved Investment –(d) Debentures/Bonds 6. LESS : Provision for doubtful investments

c e ule oLine Item: 9Others –iii Other assetsa) Funded Interestb) Provision for Funded Interest

1568.02

(1568.02)

32.74

( 32.74)

Reclassification of FITL to align with correct accounting procedure

6 c e ule o (P )A. Long Term Investments 3. Other Approved Investment –(d) Debentures/Bonds 4. Investments in Infrastructure and Social Sector 6. LESS : Provision for doubtful investments

ort er n est ents 3. Other Approved Investment –(d) Debentures/Bonds 6. LESS : Provision for doubtful investments


102028.69

7784.15

(7784.15)

25.23

(25.23)


348

64dm{f©H [anmoQ©

dt

7 AZwgyMr g§. 9

1. O_mZV-dma dJuH$aU O_mZVr

(H$) g§n{Îm Ho$ ~§YH$ na

(H$H$) ^maV _|

(J)AÝ` ({d{Z{X©ï> H$a|)

(i) gaH$ma Ûmam àË`m^yV

(ii) Ñ{ï>~§YH$ J¡a-O_mZVr

(I) AÝ` ({d{Z{X©ï> H$a|)

(i) _r`mXr F$U Am¡a EgAmoEg F$U

g§{X½Y F$Um| Ho$ {bE àmdYmZ

2. CYmaH$Vm©-dma dJuH$aU

(K) H§$n{Z`m±

(M) AÝ` ({d{Z{X©ï> H$a|)

amÁ` g‹S>H$ n[adhZ {ZJ_

Amdmg ghH$mar g{_{V`m±

S>ëß`yEg~gr, EgE\$gr, nrQ>rAma, AmoQ>rEM,

EbS>r~r Am{X

AemoÜ` Am¡a g§{X½Y F$Um| Ho$ {bE àmdYmZ

3. H$m`©{ZînmXZ-dma dJuH$aU

(H$) _mZH$ Ho$ ê$n _| dJuH¥$V F$U

(H$H$) ^maV _|

_mZH$ F$Um| Ho$ {bE àmdYmZ

(I) A_mZH$ F$U

(H$H$) ^maV _|

A_mZH$ F$Um| Ho$ {bE àmdYmZ

4. n[an¹$Vm-dma dJuH$aU

(H$) AënH$m{bH$

AënH$m{bH$ Ho$ {bE àmdYmZ

(I) XrK©H$m{bH$

XrK©H$m{bH$ Ho$ {bE àmdYmZ

AZwgyMr g§. 12

ì`dñWm _X… 9 AÝ` iii AÝ`

AmpñV`m±

H$) {Z{YH$ ã`mO


193925.04

34.46 1990.53

24189.33

(220139.36)

11754.33

616.00

2512.18

205256.85(220139.36)

356194.25

(56194.25)

163945.11 (163945.11)

165573.07

(165573.07)

54566.29 (54566.29)




64th

ANNUAL REPORT

349

7 c e ule o 1.SECURITY - WISE CLASSIFICATIONSecured (a) On Mortgage of Property

(aa) In India (c) Other to be (Specified)

(i) Guaranteed by Govt. (ii)Hypothecation Unsecured (b) Other to be (Specified) (I) Term Loans & SOS Loans Provision for Doubtful Debts

(d) Companies (f) Other to be (Specified) State Road Transport Corporations Housing Co-op. Societies WSB,SFC, PTR, OTH,LDB ETC Provision for Bad & Doubtful Debts

P CLASSIFICATION (a) Loans classified as Standard (aa) In India Provision for Standard Loans (b) Non-Standard Loans (aa) In India Provision for Non-standard Loans

(a) Short Term Provision for Short term (a) Long Term Provision for Long term


193925.04

34.46

1990.53

24189.33

(220139.36)

11754.33

616.00

2512.18

205256.85 (220139.36)

56194.25

(56194.25) 163945.11

(163945.11)

165573.07 (165573.07)

54566.29 (54566.29)


350

64dm{f©H [anmoQ©

dt

8 AZwgyMr g§. 8H$ (g§~Õ)


1. gaH$mar à{V^y{V`m± Am¡a IOmZm {~bm| g{hV

gaH$ma Ûmam àË`m^yV ~m§S>

2. AÝ` AZw_mo{XV {Zdoe

3. (H$)(H$H$) B©{¹$Q>r

(K){S>~|Ma/~m§S>

4.~w{Z`mXr g§aMZm Am¡a gm_m{OH$ joÌ _| {Zdoe



1. gaH$mar à{V^y{V`m± Am¡a IOmZm {~bm| g{hV

gaH$ma Ûmam àË`m^yV ~m§S>


3.(H$)(I) å`wMwAb \§$S>

(K) {S>~|Ma/~m§S>

AZwgyMr g§. 8I (g§~Õ)


1. gaH$mar à{V^y{V`m± Am¡a

IOmZm {~bm| g{hV gaH$ma Ûmam

àË`m^yV ~m§S>


3. (H$)(H$H$) B©{¹$Q>r

(K){S>~|Ma/~m§S>

4. ~w{Z`mXr g§aMZm Am¡a

gm_m{OH$ joÌ _| {Zdoe



1. gaH$mar à{V^y{V`m± Am¡a

IOmZm {~bm| g{hV gaH$ma Ûmam

àË`m^yV ~m§S>


3.(H$)(I)å`wMwAb \§$S>

(K) {S>~|Ma/~m§S>

3166561.24

37255.50

470225.27 28486.87

444041.36

47382.73

77416.80

27684.50

94175.2099.64

ghr boImH§$Z à{H«$`m Ho$


nwZ©dJuH$aU

9 {dÎmr` df© 2019-20 VH$, n|eZ Am¡a gm_y{hH$ `moOZmAm| (nrEÊS>OrEg) ì`dgm` Ho$ g§~§Y _|, {ZJ_ VrZ I§S>mo AWm©V² A{Yd{f©Vm, dm{f©H$s

Am¡a AÝ` nrEÊS>OrEg Ho$ A§VJ©V XmoZmo gh^mJr Am¡a bmâ{hV nm{b{g`m| H$m àH$Q>rH$aU AbJ-AbJ H$aVm ahm h¡& à~§YH$-dJ© H$s am` _|,

My±{H$ nrEÊS>OrEg ì`dgm` Ho$db bmâ{hV nm{b{g`m| H$mo hr gpå_{bV H$aVm h¡, AV… g_yMo nrEÊS>OrEg ì`dgm` H$m àH$Q>rH$aU VrZ I§S>m|

AWm©V² Abm^H$mar n|eZ {Z{YH$, Abm^H$mar n|eZ J¡a-{Z{YH$ Am¡a Abm^H$mar AÝ` nrEÊS>OrEg Ho$ A§VJ©V {H$`m OmZm Mm{hE& VXZwgma,

Mmby df© go {ZJ_ Zo nrEÊS>OrEg H$m àH$Q>rH$aU Abm^H$mar Ho$ én _| {H$`m h¡ VWm {nN>bo df© Ho$ Am§H$‹S>o Mmby df© Ho$ Am§H$‹S>m| Ho$ gmW CÝh|

VwbZr` ~ZmZo Ho$ {bE nwZ…g_y{hV {H$ò Jò h¡ &

29) {dËVr` {ddaUm| _| H$moð>H$ ( ) _| {Xò JE Am§H$So> F$UmË_H$ eof ~VmVo h¡&

30) Ohm± H$hr Amdí`H$ hmo {nN>bo df© Ho$ Am§H$S>m| H$mo Bg df© Ho$ Am§H$S>m| go VwbZm Ho$ {bò {\$a go nwZ©JR>rV {H$`m J`m h¡&

i. ~r_mH$Vm© Ho$ {H$Îmr` Am¡a n[aMmbZ AZwnmV na _mÌmË_H$ Am¡a JwUmË_H$ OmZH$mar, AWm©V, Xmdm {H$E JE Xmdo, H$_reZ Am¡a ì`` AZwnmV:

{dÎmr` {ddaU Am¡a AZwnmV H$m gmam§e XoI|&

ii. dmñV{dH$ emoYZ j_Vm _m{O©Z {ddaU Amdí`H$ emoYZ j_Vm _m{O©Z H$s VwbZm _|&

31 _mM©, 2021 H$mo {ZJ_ (^maV _|) H$m H$mñV{H$H$ emoYZ j_Vm _m{O©Z 176% h¡ ({nN>bo df© 31 _mM©, 2020 H$s g_mpßV na 155%) h¡& Omo {H$

AmH$í`H$ emoYZ j_Vm _m{O©Z 150% Ho$ {H$éÕ h¡&

64th

ANNUAL REPORT

351

8 c e ule o ( in e )

A. Long Term Investments

1.Government securities and Government guaranteed bonds including Treasury Bills

2. Other Approved Investment

3.(a) (aa) Equity (d) Debentures/Bonds

4. Investments in Infrastructure and Social Sector


ort er n est ents1. Government securities and Government guaranteed bonds including Treasury Bills


3.(a) (b) Mutual Funds (d)Debentures/Bonds

c e ule o ( in e )A. Long Term Investments

1.Government securities and Government guaranteed bonds including Treasury Bills

2.Other Approved Investment3.(a) (aa) Equity(d) Debentures/Bonds

4. Investments in Infrastructure and Social Sector


ort er n est ents1. Government securities and Government guaranteed bonds including Treasury Bills


3.(a) (b) Mutual Funds(d) Debentures/Bonds

3166561.24

37255.50

470225.27 28486.87

444041.36

47382.73

77416.80

27684.50

94175.2099.64

Reclassification to align with correct accounting procedure

9 Upto FY 2019-20 in respect of Pension and Group Schemes (P&GS) business, the corporation has been disclosing both participating and non-participating policies separately under three segments namely Super Annuation, Annuity and Other P&GS. In the opinion of the management, as the P&GS business covers only non-participating policies, the entire P&GS business has to be disclosed under three segments, namely, Non-Participating Pension Funded, Non-Participating Pension Non-Funded, and Non-Participating Other P&GS. Accordingly from the current year, the corporation has disclosed the P&GS as Non-Participating. and previous year s figures have been regouped to make them comparable with those of the current year.

29) Figures in bracket ( ) in financial statements indicate negative balances.

30) Previous year s figures have been recast / regrouped wherever necessary to make them comparable with those of the Current Year.

31) Disclosure requirements as per Corporate Governance Guidelines

i. u ntit ti e n u lit ti e in or tion on t e insurer s fin nci l n o er tin r tios n el incurre cl i commission and expenses ratios:

Refer Summary of financial statement and Ratios.

ii ctu l sol enc r in et ils is is t e re uire sol enc r in

The actual solvency margin of the Corporation (Business within India) as on March 31, 2021 stands at 176% (previous year ended March 31, 2020 is 155%) as against regulatory requirement of 150%.

352

64dm{f©H [anmoQ©

dt

iii. X¥‹T>Vm AZwnmV:

31 _mM©, 2021 H$mo g_mßV df© Ho$ {bE EH$b àr{_`_ Am¡a nyar Vah go ^wJVmZ H$s JB© nm°{bgr`m| g{hV Ñ‹T>Vm AZwnmV (13 dm§ _hrZm) àr{_`_ am{e Ho$

AmYma na 79% ({nN>bm df© 31 _mM©, 2020 H$mo 72% h¡) Am¡a nm°{bgr H$s g§»`m Ho$ AmYma na 67% h¡ ({nN>bo df© 31 _mM©, 2020 H$s g_mpßV

na 61%)&

iv. {H$H$mg Xa Am¡a ~r_mH$Vm© H$s dV©_mZ {dÎmr` pñW{V g{hV {dÎmr` àXe©Z

{dÎmr` {ddaU Am¡a AZwnmV H$m gmam§e XoI|&

v. OmopI_ à~§YZ dmñVwH$bm H$m H$U©Z

OmopI_ à~§YZ H$mo Cg à{H«$`m Ho$ ê$n _| n[a^m{fV {H$`m OmVm h¡ {OgHo$ VhV {ZJ_ Eogo OmopI_m| H$s nhMmZ, _mnZ Am¡a CÝh| H$_ H$aHo$ do AnZo à~§YZ

Ho$ VhV {ZJ_ H$s {dÎmr` n[ag§n{Îm`m| go Ow‹S>o {Zdoe OmopI_m| H$mo g§~mo{YV H$aVm h¡& OmopI_ à~§YZ _| g^r H$maH$m| H$s g_P em{_b h¡ Am¡a do {H$g hX VH$

g\$bVm Ho$ {bE IVam hmo gH$Vo h¢& Bg à{H«$`m _| g§JR>Z _| OmopI_ g§ñH¥${V H$mo bmZo H$m ^r à`mg {H$`m OmEJm Vm{H$ H$_©Mm[a`m| H$mo OmopI_ à~§YZ àUmbr

H$mo bmJy H$aZo H$m _hËd _hgyg hmo Am¡a àË`oH$ H$_©Mmar g§~§{YV OmopI_m| H$mo C{MV ê$n go g§~mo{YV H$aZo Ho$ {bE IwX H$mo em{_b H$ao&

{ZXoeH$ _§S>b OmopI_ à~§YZ g_mamoh na g_J« _mJ©Xe©Z àXmZ H$aVm h¢; {Og_| à_wI OmopI_m| Am¡a Cnm`m| na Amdíæ`H$ {ZarjU àXmZ H$aZm, OmopI_

à~§YZ Zr{V Am¡a OmopI_ à~§YZ aUZr{V, OmopI_ _yë`m§H$Z H$WZ, ALM nm°{bgr H$mo dm{f©H$ AmYma na _§Oyar XoZm Am¡a {ZJ_ H$s ì`mdgm{`H$ {Za§VaVm

`moOZm em{_b h¡&

AmB©AmaS>rE {Xem-{ZX}em| Ho$ AZwê$n, {ZJ_ Zo ~moS©> (RMCB) H$s OmopI_ à~§YZ g{_{V H$m JR>Z {H$`m h¡& RMCB OmopI_ à~§YZ emgZ g§aMZm H$s

AZXoIr H$aVm h¡, OmopI_ à~§YZ T>m§Mo H$s g_rjm H$aVm h¡, OmopI_ H$s ^yI Am¡a _hËH$nyU© OmopI_m| Ho$ {bE OmopI_ e_Z `moOZm H$s g_rjm H$aVm h¡,

ì`mdgm{`H$ dmVmH$aU Am¡a {Z`_m| _| n[aH$V©Z go CËnÝZ aUZr{VH$ OmopI_m| H$s nhMmZ H$aVm h¡, {Z`m_H$ Amdí`H$VmAm| Ho$ AZwnmbZ H$s XoIaoI H$aVm h¡,

n[ag§n{Îm Xo`Vm à~§YZ go g§~§{YV g^r _m_bo, dm{f©H$ AmYma na {dHo$e H$m`m] Ho$ {bE AmB©Q>r gwajm Zr{V, {ZJ_ H$s ì`mdgm{`H$ {Za§VaVm `moOZm, {ZJ_

H$s emoYZ j_Vm pñW{V, YmoImY‹S>r H$s {ZJamZr, Am{X Ho$ AmYma na {Z`{_V ê$n go ì`mnma {Za§VaVm na {Z`{_V AnSo>Q> H$s g_rjm H$aVm h¡&

BgHo$ Abmdm, g^r _hËH$nyU© _m_bo, {OÝh| RMCB H$mo Ü`mZ _| aIVo hþE, ~moS©> go AmJo aUZr{VH$ hñVjon H$s AmH$í`H$Vm hmoVr h¡, H$mo BgH$s ~¡R>H$ _|

Amd{YH$ AmYma na BgH$s OmZH$mar Xr OmVr h¡&

OmopI_ à~§YZ na A{YH$m[a`m| H$s g{_{V (CERM) Ho$ Zm_ go EH$ ñdV§Ì g{_{V H$m JR>Z {H$`m J`m h¡, {Og_| {Zdoe {d^mJ Ho$ VrZm| H$Jm] `mZr \«§$Q> Am°{\$g

(CIO), {_S>-Am°{\$g (CRO), ~¡H$-Am°{\$g Am¡a H$m`©dmhH$ {d^mJ Ho$ à_wI em{_b h¢& CERM {Zdoe {d^mJ Ho$ {bE OmopI_ à~§YZ Zr{V Am¡a ALM Zr{V

Ho$ H$m`m©Ýd`Z H$s {ZJamZr H$aVm h¡&

BgHo$ Abmdm, CERM> à_wI H$m`m] H$s XoIaoI H$aHo$ RMCB H$m g_W©Z H$aVm h¡, O¡go, OmopI_ à~§YZ Zr{V`m§ ñWm{nV H$aZm, {Zdoe {d^mJm| Ho$ {bE OmopI_

[anmo{Qª>J/OmopI_ {Z`§ÌU Ho$ {bE MIS, OmopI_ à~§YZ Ho$ {bE \«o$_ OH$m~Xohr Am¡a A{YH$ma, ~moS©> H$s OmopI_ à~§YZ g{_{VH$mo [anmoQ>© H$aZm aUZr{VH$ nhb

Am¡a ì`mdgm{`H$ dmVmH$aU `m {Z`_m| _| n[adV©Z go CËnÝZ hmoZo H$mbo OmopI_, OmopI_ _yë`m§H$Z g_rjm [anmoQ>© àXmZ H$aVo h¢, {Og_| _hËH$nyU© OmopI_

Am¡a OmopI_ e_Z `moOZm na àH$me S>mbm J`m h¡, {ZJ_ H$s ì`mdgm{`H$ {Za§VaVm `moOZm Ho$ AZwê$n ì`mdgm{`H$ {Za§VaVm `moOZm g{hV n[aMmbZ OmopI_

n`m©daU H$s g_rjm, {ZJ_ {Z`{_V AmYma na g_J« pñW{V H$s g_rjm H$a|, AmB©Q>r gwajm go g§~§{YV OmopI_ H$sg_rjm Am¡a AmB©Q>r go g§~§{YV {H$gr ^r

AÝ` _wÔm| na ^r g_rjm H$ao&

CERM H$s {g\$m[aem| H$s gyMZm RMCB H$mo Xr OmVr h¡& OmopI_ à~§YZ na H$m`©H$mar g{_{V Ûmam H$s JB© {H${^ÝZ _wÔm| na EH$ g_o{H$V [anmoQ>© Am¡a ~¡R>H$

H$s Amd¥{Îm Ho$ gmW-gmW H$ma©dmB© RMCB H$mo {V_mhr AmYma na gy{MV H$s OmVr h¡&

{Zdoe-g§MmbZ (\«§$Q> Am°{\$g), {ZJamZr Am¡a boIm (~¡H$-Am°{\$g) Am¡a OmopI_ à~§YZ Am¡a AZwg§YmZ ({_S>-Am°{\$g) H$m`m] Ho$ à_wI ÜH${Z OmopI_ à~§YZ

àUmbr Ho$ H$m`m©Ýd`Z Ho$ {bE {µOå_oXma h¢, Omo CZHo$ H$m_H$mO Ho$ g§~§{YV joÌm| na bmJy hmo gH$Vo h¢& gmW hr AÝ` dJm] Ho$ gmW g_ÝH$` Ho$ {bE {µOå_oXma

hmoJm& do Am§V[aH$ {Z`§ÌU H$s EH$ Üd{Z àUmbr H$mo ~ZmE aIZo Ho$ {bE ^r {µOå_oXma h¢ Omo {ZJ_ H$s {Zdoe Zr{V _| d{U©{V CÔoí`m| Am¡a Zr{V`m| H$s CnbpãY

H$m g_W©Z H$aVm h¡&

OmopI_ {Z`§ÌU T>m§Mo H$mo Zr{V`m| Am¡a à{H«$`mAm|, {gñQ>_ Am¡a g§JR>Z Ho$ _mÜ`_ go {Z{X©ï>, {ZJamZr Am¡a {Z`§{ÌV {H$`m OmVm h¡&

64th

ANNUAL REPORT

353

iii. Persistency ratio:

The persistency ratio (13th month) including single premium and fully paid up policies for the year ended March 31, 2021 is 79% (previous year ended March 31, 2020 is 72%) based on premium amount and 67% (previous year ended March 31, 2020 is 61%) based on number of policies.

iv. Financialperformanceincludinggrowthrateandcurrentfinancialpositionoftheinsurer:

Refer Summary of financial statement and Ratios.

v. Adescriptionoftheriskmanagementarchitecture

Risk management is defined as the process under which Corporation addresses Investment risks associated with the corporation’s financial assets under its management by identifying, measuring and mitigating such risks. Risk Management encompasses understanding of all the factors and the extent to which those can be threats to success. The process will also endeavor to bring about the Risk culture in the organization so that the employees feel the importance of putting Risk management system in place and each employee involves himself/ herself in appropriately addressing the concerned risks.

Board of Directors provide the overall guidance on Risk Management function which includes providing necessary oversight on key risks and measures, approving the Risk Management Policy and Risk Management Strategy, Risk Appetite statement, Asset Liability Management (ALM) Policy on an annual basis and Business Continuity Plan of the Corporation.

In line with the IRDAI Guidelines, Corporation has constituted the Risk Management Committee of the Board (RMCB). The RMCB looks after the risk management governance structure, reviews the risk management framework, risk appetite and the risk mitigation plans for significant risks, identifies strategic risks emanating from changes in business environment and regulations, oversees the compliance to regulatory requirements, all matters related to Asset Liability Management, IT Security policy for investment functions on annual basis, reviews regular updates on business continuity in line with the Corporation’s Business Continuity Plan, solvency position of the Corporation, fraud monitoring, etc. on regular basis. Further, all important matters which, in the view of the RMCB, require further strategic intervention from the Board are brought to its knowledge in its meeting on a periodic basis.

An independent Committee, named as Committee of Executives on Risk Management (CERM) has been constituted consisting of Heads from all the three sections of Investment Department i.e. Front office (CIO), Mid-office (CRO), Back office and Actuarial Department. CERM monitors the implementation of Risk Management policy and ALM policy for the Investment Department.

Besides, CERM supports the RMCB by supervising some major functions, like, establishing Risk Management Policies, MIS for risk reporting/risk control applicable to Investment Departments, frame accountability and authority for risk management, report to the Risk Management Committee of the Board about key risks arising from strategic initiatives and changes in business environment or regulations, provide risk assessment review reports highlighting significant risks and risk mitigation plans thereof, review of operating risk environment including Business Continuity Plan in line with Corporation’s Business Continuity Plan, review the solvency position of the Corporation on a regular basis, review of risk related to IT security and any other issues related to IT.

Recommendations of the CERM are reported to the RMCB. A consolidated report on various issues discussed by the Committee of Executives on Risk Management and action taken thereon along with frequency of the meeting are reported to the RMCB on quarterly basis.

Heads of Investment-Operations (Front office), Monitoring & Accounting (Back-Office) and Risk Management & Research (Mid-Office) functions are responsible for implementation of the sound Risk Management System as may be applicable to their respective areas of functioning as well as be responsible for coordinating with the other sections. They are also responsible for maintaining a sound system of internal control that supports the achievement of the objectives and policies as enumerated in the Corporation’s Investment Policy.

The risk control framework is specified, monitored and controlled through Policies and procedures, Systems and Organization.

Every section of Investment Department maintains a risk register, where all the potential risk areas and control framework are

354

64dm{f©H [anmoQ©

dt

{Zdoe {d^mJ H$m àË`oH$ I§S> EH$ OmopI_ a{OñQ>a aIVm h¡, Ohm§ g^r g§^m{dV OmopI_ dmbo joÌm| Am¡a {Z`§ÌU T>m§Mo H$mo gyMr~Õ {H$`m OmVm h¡& àma§{^H$

OmopI_ nhMmZ Am¡a e_Z H$s ê$naoIm H$s g_rjm OmopI_ à~§YZ g{_{V Am¡a ~moS©> H$s OmopI_ à~§YZ g{_{V (RMCB) Ûmam H$s OmVr h¡& g^r {d^mJm| Ho$

{bE OmopI_ a{OñQ>a {Zdoe OmopI_ à~§YZ Am¡a AZwg§YmZ (RMR) {d^mJ Ho$ CÚ_ OmopI_ à~§YZ (ERM) gob Ûmam ~ZmE aIm OmVm h¡ &

LIC _| gyMZm gwajm g§MmbZ g{_{V (ISSC) h¡, {Og_| à~§Y {ZXoeH$, H|$Ðr` H$m`m©b` Ho$ dwN> {d^mJm| Ho$ à_wI Am¡a _w»` gyMZm gwajm A{YH$mar (CISO) em{_b h¢& `h g^r gyMZmAm| Am¡a gmB~a gwajm g§~§Yr Zr{V`m| Am¡a à{H«$`mAm| H$s XoIaoI H$aVm h¡& ISSC ~¡R>H$m| Ho$ H$m`©d¥Îm H$mo gyMZm OmopI_ à~§YZ g{_{V

(RMC) Ho$ nmg aIm OmVm h¢& dV©_mZ _|, H|$Ðr` H$m`m©b` _| {ZåZ{bpIV {d^mJm| Ho$ à_wIm| H$m à{V{Z{YËd ISSC _| {H$`m OmVm h¡: CRM, B§Or{Z`[a¨J,

IT-SD (_w»` gyMZm A{YH$mar Ho$ ê$n _| ^r Zm{_V), IT-BPR, RMR (_w»` OmopI_ A{YH$mar Ho$ ê$n _| ^r Zm{_V), P&GS, E&OS, M&A Am¡a F&A (_w»`

{dÎm A{YH$mar Ho$ ê$n _| ^r Zm{_V)& So>Q>m gwajm àUm{b`m§ bmJy h¢ {Og_o YmoImY‹S>r H$mo amoH$Zo Ho$ {bE AŠga g_rjm H$s OmVr h¡ &

vi. Ad{Y Ho$ {ddaU Ho$ gmW gy{MV, {ZnQ>mE JE Am¡a b§{~V Xmdmo (claims) H$s g§»`m H$m {ddaU ã`m¡ao

ã`m¡ao 31 _mM©, 2021 VH$

(Xmdmo H$s g§»`m )

31 _mM©, 2021 VH$

(am{e bmImo _|)

df© Ho$ àma§^ _o ~H$m`m Xmdmo H$s g§»`m 5875 34969.00

Omo‹S>

df© Ho$ Xm¡amZ gy{MV {H$E JE Xmdmo H$s g§»`m 941101 1875565.00

KQ>mH$ -

df© Ho$ Xm¡amZ {ZnQ>m`o JE Xmdmo H$s g§»`m 933889 1829558.00

df© Ho$ Xm¡amZ {ZañV {H$E Xmdmo H$s g§»`m 6531 27693.00

df© Ho$ Xm¡amZ Im[aO {H$E Xmdmo H$s g§»`m 2934 392.00

df© Ho$ Xm¡amZ An{bpIV Xmdmo H$s g§»`m 1897 23649.00

df© Ho$ A§V _o ~H$m`m Xmdmo H$s g§»` 1725 29242.00

~H$m`m Xmdmo H$s Ad{Y H$m {ddaU

3 _hrZo go H$_ 792 13426.00

3 _hrZo go 6 _hrZo 933 15816.00

6 _hrZo go 1 df© 0.00 0.00

1 df© go Á`mXm 0.00 0.00

Hw$b 1725 29242

H§$nZr Xmdmo Ho$ {ZnQ>mZ Ho$ {bE {H${^ÝZ IRDAI {Xem-{ZX}em| H$m nmbZ H$a ahr h¡ Am¡a g_` na [aH$m°{Sª>J Am¡a Xmdmo Ho$ {ZnQ>mZ Ho$ {bE Xmdmo àñVwV H$aZo

_| gwYma H$aZo H$s à{H«$`m _o em{_b h¡&

vii. nm°{bgr YmaH$m| Ho$ \§$S> go g_yh g§ñWmAm| H$mo {H$`m J`m ^wJVmZ

boIm| H$s pQ>ßnUr`m| H$mo ImVm| _| XoI|, A§H$ g§»`m: 8 (Eµ\$) g§~§{YV nmQ>u H$m Iwbmgm&

64th

ANNUAL REPORT

355

listed. The initial risk identification and mitigation framework are reviewed by Committee of Executives on Risk Management (CERM) and Risk Management Committee of the Board (RMCB). The risk registers for all the departments are maintained by the Enterprise Risk Management (ERM) Cell of the Investment Risk Management and Research (RMR) Department.

LIC has Information Security Steering Committee (ISSC) consisting of Managing Director, some heads of departments at central office and Chief Information Security Officer (CISO). It oversees all information and cyber security related policies and procedures. Minutes of the ISSC meetings are put up to Risk Management Committee (RMC) for information. At present, heads of following departments at central office are represented in ISSC: CRM, Engineering, IT-SD (also designated as Chief Information Officer), IT-BPR, RMR (also designated as Chief Risk Officer), P&GS, E&OS, M&A and F&A (also designated as Chief Finance Officer). The data security systems are in place and are reviewed frequently to prevent frauds.

i Det ils o nu er o cl i s inti te is ose off n en in it et ils o ur tion

Particulars s t rc 31,2021 (no of claims)

s t rc (` n s)

No. of claims outstanding at the beginning of the year 5875 34969.00

Add:

No. of claims reported during the year 941101 1875565.00

Less:

No. of claims settled during the year 933889 1829558.00

No. of claims repudiated during the year 6531 27693.00

No. of Claims rejected during the year 2934 392.00

No. of claims written back 1897 23649.00

No. of claims outstanding at the end of the year 1725 29242.00

Details of duration of outstanding claims

Less than 3 months 792 13426.00

3 months to 6 months 933 15816.00

6 months to 1 year 0.00 0.00

1 year and above 0.00 0.00

Total 1725 29242.00

The Corporation is adhering various IRDAI guidelines for settlement of claims and is in the process of improving the claim submission process for timely recording and settlement of claims.

ii P ents e to rou entities ro Polic ol ers un s

Refer Notes to Accounts, Point no: 8 (F) Related party disclosure.

iii Disclosure on ition l or s i en to u itors

356

64dm{f©H [anmoQ©

dt

viii. boIm narjH$m| H$mo {XE JE A{V[aŠV H$m`m] na àH$Q>rH$aU IRDAI Ûmam 18 _B©, 2016 H$mo Omar {H$E JE H$m°anmoaoQ> J{d©Zog Ho$ {Xem-{ZX}em| Ho$ I§S> 7.1 Ho$ AZwgma, boIm narjH$m| H$mo {XE JE A{V[aŠV H$m`m]

(H¡$Ym{ZH$/Am§V[aH$ boIm narjm Ho$ Abmdm) Am¡a ewëH$ (OrEgQ>r H$mo N>mo‹S>H$a) ZrMo {XE JE h¢:

H|$Ðr` boIm narjH$m| H$m Zm_Q>¡Šg Am°{S>Q> \$sg gr{_V g_rjm \$sg

OrEgQ>r à_mUZ

\$sg

AÝ` à_mUZ

\$sg

2020-21 #2019-20 2020-21 #2019-20 **2020-21 *2019-20 2020-21 2019-20

1. I§So>bH$mb O¡Z E§S> H§$nZr 0.75 0.82 7.08 13.56 0.20 - 0.75 0.75

2. ~mQ>br~m` Am¡a nwamo{hV - - 7.08 2.36 0.40 - - -

3. Eg.Eb. N>mOo‹S> E§S> H§$nZr EbEbnr 0.75 1.02 5.53 9.56 0.80 - - -

4. Eg. Ho$. H$nya E§S> H§$nZr 0.75 1.02 5.53 10.23 0.80 0.40 - -

5. Q>moS>r Vwb{g`mZ E§S> H§$nZr 0.75 1.02 5.53 1.84 0.40 - - -

6. Ama.Or.EZ. àmBg E§S> H§$nZr 0.75 1.02 7.38 5.87 0.40 - - -

7. E~rE_ E§S> Egmo{gEQ²>g Eb.Eb.nr. 0.75 1.02 5.53 5.87 1.80 0.50 - -

8. C_m_hoœa amH$ E§S> H§$nZr - 1.02 - 10.40 0.40 - - -

9.E Ama E§S> H§$nZr 0.75 1.02 5.53 1.84 0.40 - - -

10. S>r Ho$ N>mOoa E§S> H§$nZr - 1.02 1.84 1.84 1.15 - - -

11. MVwH}$Xr E§S> emh EbEbnr - - - 1.65 - - - -

12. ~r. JwßVm E§S> H§$nZr - - - 2.01 0.40 0.40 - -

13. E Eg E E§S> Egmo{gEQ²g EbEbnr - - - 1.17 0.40 0.40 - -

14. dr. qgKr E§S> Egmo{gEQ²>g - - - 1.01 1.15 1.15 - -

15. am_{_y{V (EZ) & H$. 0.75

- 3.69 - - - - -

16. ao & ao 0.75

- 3.69 - - - - -

#{dÎm H$f© 2016-2017, 2017-2018 Am¡a 2018-2019 Ho$ {bE ^wJVmZ {H$`m J`m ~H$m`m em{_b h¡&

*OwbmB© 2017 go _mM© 2018 H$s Ad{Y Ho$ {bE ^wJVmZ H$s JB© \$sg H$m à{V{Z{YËd H$aVm h¡&

**{dÎmr` df© 2018-19 & 2019-20 H$mo {bE \$sg Ho$ ^wJVZ H$m à{V{Z{YËd H$aVm h¡&

64th

ANNUAL REPORT

357

Pursuant to clause 7.1 of Corporate Governance guidelines issued by IRDAI dated May 18, 2016, the additional works (other than statutory/ internal audit) given to the auditors and the fees (excluding GST) are detailed below:

NameoftheStatutoryCentralAuditors

Tax Audit Fees LimitedReviewFees

GSTCertification/Audit Fees

OtherCertificationFees

2020-21 #2019-20 2020-21 #2019-20 **2020-21 *2019-20 2020-21 2019-20

1. Khandelwal Jain & Co. 0.75 0.82 7.08 13.56 0.20 - 0.75 0.75

2. Batliboi & Purohit - - 7.08 2.36 0.40 - - -

3. S.L. Chhajed & Co. LLP 0.75 1.02 5.53 9.56 0.80 - - -

4. S.K. Kapoor & Co. 0.75 1.02 5.53 10.23 0.80 0.40 - -

5. Todi Tulsyan & Co. 0.75 1.02 5.53 1.84 0.40 - - -

6. R.G.N. Price & Co. 0.75 1.02 7.38 5.87 0.40 - - -

7. abm & associates LLP 0.75 1.02 5.53 5.87 1.80 0.50 - -

8. Umamaheswara Rao & Co. - 1.02 - 10.40 0.40 - - -

9. A R & Co. 0.75 1.02 5.53 1.84 0.40 - - -

10. D K Chhajer & Co. - 1.02 1.84 1.84 1.15 - - -

11. Chaturvedi & Shah LLP - - - 1.65 - - - -

12. B. Gupta & Co. - - - 2.01 0.40 0.40 - -

13. A S A & Associates LLP - - - 1.17 0.40 0.40 - -

14. V. Singhi & Associates - - - 1.01 1.15 1.15 - -

15. Ramamoorthy (N) & Co. 0.75 - 3.69 - - - - -

16. Ray & Ray 0.75 - 3.69 - - - - -

# includes the arrears paid for the FY:2016-2017, 2017-2018 and 2018-2019

*represents the fees paid for the period July 2017 to March 2018

**represents the fees paid for the FY 2018-2019 and 2019-2020

358


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{dÎmr` {ddaUm| H$m gmam§e Summary of Financial Statements

n[a{eîQ>-IAnnexure I

(` bmIm| _|)(` in Lakhs)

H« .g§.Sl.No.

{ddaUParticulars

2020-21 2019-20 2018-19 2017-18 2016-17

nm°{bgrYmaH$m| H$m ImVmPOLICYHOLDERS' A/C

1 gH$b àr{_`_ Am`Gross Premium Income 40328655.48 37938959.90 33750507.11 31822320.56 30048735.98

2 ewÜX àr{_`_ Am`^Net Premium Income ^ 40284434.43 37906255.71 33718539.65 31785098.87 30019668.40

3 {Zdmgm| go Am` (ewÜX)@Income from Investments (Net) @ 27876114.48 23535140.27 22275773.53 20495899.68 19182291.42

4 AÝ` AmÒther Income 59950.49 146897.73 84126.20 80112.77 60699.70

5 Hw$b Am`Total Income 68220499.40 61588293.71 56078439.38 52361111.32 49262659.52

6 H$_reZCommissions 2216991.7 2102713.68 1931119.38 1822681.87 1659006.66

7 XbmbrBrokerage

8 ~r_ ì`dgm` go g§~§{YV àMmbZ ì`Òperating Expenses relatedinsurance business 3498952.29 3456803.66 2918201.68 3014239.54 2894465.65

9 H$amYmZ Am¡a Xÿgam| Ho$ {bE àmdYmZProvision for Taxation and Others 1307707.19 1718836.52 1485325.13 1401518.94 1109005.55

10 Hw$b ì``Total Expenses 7023651.18 7278353.86 6334646.19 6238440.35 5662477.86

11 nm°{bgrYmaH$m| H$mo ^wJVmZ *Payment to policyholders * 28688380.65 25422226.47 25093623.15 19811983.14 16762427.46

12 ~r_m§H$Z Xo`Vm _| d¥pÜXIncrease in actuarial liability 32176135.56 29528973.05 25315338.64 27027711.55 26464849.72

13 g§~ÜX Xm{`Ëdm| Ho {bò gmdYmZProvision for Linked Liabilities 43431 -911033.96 -931228.14 -959205.98 152871.12

14 A{Yeof/KmQ>m àMmbZ goSurplus/Deficit from operations 288901.01 269774.29 266059.54 242182.26 220033.36

eoAaYmaH$m| H$m ImVmSHAREHOLDERS' A/C

15 eoAaYmaH$m| Ho$ ImVo Ho$ A§VJ©V Hw$b Am` Total income under shareholders'account 291199.81 272707.18 270390.40 245981.33 224855.96

16 eoAaYmaH$m| Ho$ ImVo Ho$ A§VJ©V Hw$b IM© Total Expenses under Shareholder’s Account 522.37 632.55 42.06 39.77 19.69

17 H$a nyd© bm^/hm{ZProfit/(loss) before tax 290677.44 272074.63 270348.34 245941.56 224836.27

359


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n[a{eîQ>-IAnnexure I

(` bmIm| _|)(` in Lakhs)

H« .g§.Sl.No.

{ddaUParticulars

2020-21 2019-20 2018-19 2017-18 2016-17

18 H$a Ho$ {bE àmdYmZProvisions for tax 620.76 803.83 1498.68 1301.02 1662.19

19 H$a níMmV bm^/hm{Z Profit/loss after tax 290056.68 271270.80 268849.66 244640.54 223174.08

20 VwbZ-nÌ H$mo AJ«o{fV bm^/hm{ZProfit/loss carried to Balance Sheet

{d{dYMISCELLANEOUS

21 (H$) nm°{bgrYmaH$m| H$m ImVm…(A) Policyholders' account

Hw$b {Z{YTotal funds 372249109.45 312294109.58 305488219.49 279091639.39 252844588.20

Hw$b {ZdoeTotal Investments 362075942.23 301984104.08 293265282.57 270557972.06 244221448.66

{Zdoe na % àmpßV#Yield on investments % # 7.42 7.54 7.59 7.71 7.78

(I) eoAaYmaH$m| H$m ImVm…(B) Shareholders' account:

Hw$b {Z{YTotal funds 636069.22 73952.69 67868.36 65037.25 60645.28

Hw$b {ZdoeTotal Investments 71356.67 67941.76 63661.93 58579.75 57397.52

*Zdoe na % àmpßV#*Yield on investments % # 0.51 5.25 6.01 5.9 6.29

22 *Hw$b {Zdoe na % àmpßV#*Yield on total investments % # 7.42 7.54 7.59 7.71 7.78

23 àXÎm BŠdrQ>r ny±Or Paid up equity capital 10000.00 10000.00 10000.00 10000.00 10000.00

24 ewÜX _yë` Net worth 636069.22 73952.69 67868.36 65037.25 60645.28

25 Hw$b n[agån{Îm`m±Total Assets 380461000.76 319621480.59 311184727.79 284504182.01 257202833.64

26 à{V eoAa AO©Z Earnings per share N.A. N.A. N.A. N.A. N.A.

27 à{V eoAa ~hr _yë`Book value per share N.A. N.A. N.A. N.A. N.A.

^^

{Zdb nyZ©~r_mNet of reinsurance

@@

ewÜX hm{ZNet of losses

**

A§V[a_ ~moZg g{hV, `{X hmo VmoInclusive 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

360


64 th

dt

n[a{eîQ>-IIAnnexure II

H«$.g§.Sl.No.

{ddaU Particulars

2020-21 2019-20 2018-19 2017-18 2016-17

1 Zd ì`dgm` {à{_`_ Am` _o§ d¥pÜX (AZw^mJdma)New business premium income growth rate - segment wiseAgå~ÜX / Non-LinkedOrdZ / Life -1.55% 4.51% 3.98% 12.64% 4.26%

noÝeZ / Pension 32.92% -7.55% -10.93% 14.38% 253.68%

g_wh / Group 0.81% 39.01% 10.13% 5.06% 21.35%

g§~§ÜX / LinkedOrdZ / Life 714.71% 148.11% -38.39% 173.70% -26.70%

noÝeZ / Pension 0.00 0.00 0.00 0.00 0.00

g_wh / Group N.A. N.A. N.A. N.A. N.A.ewÜX YmaU AZwnmVNet Retention Ratio 99.89% 99.91% 99.91% 99.88% 99.90%

3 à~§YZ ì`` go Hw b àË`j {à{_`_ H m AZwnmVExpense of Management to Gross Direct Premium Ratio 14.17% 14.66% 14.38% 15.21% 15.17%

4 H _reZ AZwnmV (^wJVmZ {H `m J`m Hw b H _reZ go Hw b {à{_`_)Commission Ratio (Gross commission paid to Gross Premium) 5.50% 5.64% 5.73% 5.74% 5.53%

5 nm°{bgr YmaH m| Ho Xm{`Ëd go A§eYmaH mo§ Ho H mof H m AZwnmVRatio of policy holder's liabilities to shareholder's funds 585.23 4222.89 4501.19 4291.26 4169.24

6 A§eYmaH {Z{Y H r {dH mgXaGrowth rate of shareholders' fund 760.10% 8.96% 4.35% 7.24% 4.03%

7 nm°{bgr YmaH Xo`Vm go A{Yeof H m AZwnmVRatio of surplus to policy holders' liability 1.60% 1.64% 1.80% 1.79% 1.78%

8 eyÜX _yë` _o§ n{adV©Z (am{e "000" _o§)Change in net worth (Amount in "000") 56211652 608433 283111 439197 235099

9 H a níMmV bm^ / Hw b Am`Profit after tax/Total Income 0.004 0.004 0.005 0.005 0.005

10 (H wb AMb g¨nXm + G$U) / (ZH X Ed§ {Zdo{eV n{ag§n{ËV`m§)(Total real estate + loans)/(Cash & invested assets) 3.52% 4.22% 4.09% 4.42% 4.86%

11 (ny§Or + A{Yeof) go Hw b {ZdoeTotal investments/(Capital + Surplus) 572.57 4183.54 4481.01 4317.59 4059.16

12 (ny§Or + A{Yeof) go Hw b gå~Õ {ZdoeTotal affiliated investments/(Capital+ Surplus) 7.78 71.53 73.59 37.89 33.93

13 {Zdoe H r CnO*Investment Yield * 7.42% 7.54% 7.59% 7.71% 7.78%

14 g§ajU AZwnmVConservation Ratio 84.48% 88.79% 92.19% 90.77% 91.43%

15 X¥‹T>Vm AZwnmV**Persistency Ratio**13 do _mh Ho {bò/ For 13th monthnm°{bgr`mo§ H r g§»`m Ûmam/By no. of policies 67.00% 61.00% 66.00% 66.00% 64.00%dm{f©H {à{_`_ Ûmam/By annualized premium 79.00% 72.00% 77.00% 76.00% 74.00%

25 do _mh Ho {bò/ For 25th monthnm°{bgr`mo§ H r g§»`m Ûmam/By no. of policiesdm{f©H {à{_`_ Ûmam/By annualized premium

58.00% 56.00% 60.00% 58.00% 56.00%

70.00% 67.00% 71.00% 68.00% 66.00%

37 do _mh Ho {bò/For 37th monthnm°{bgr`mo§ H r g§»`m Ûmam/By no. of policies 55.00% 52.00% 54.00% 53.00% 56.00%

dm{f©H {à{_`_ Ûmam/By annualized premium 67.00% 63.00% 65.00% 63.00% 68.00%

AZwnmVRatios

361


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n[a{eîQ>-IIAnnexure II

H«$.g§.Sl.No.

{ddaU Particulars

2020-21 2019-20 2018-19 2017-18 2016-17

49 do _mh Ho {bò/ For 49th monthnm°{bgr`mo§ H r g§»`m Ûmam/By no. of policiesdm{f©H {à{_`_ Ûmam/By annualized premium

52.00% 48.00% 50.00% 53.00% 45.00%63.00% 58.00% 60.00% 66.00% 62.00%

61 do _mh Ho {bò/ For 61st monthnm°{bgr`mo§ H r g§»`m Ûmam/By no. of policies dm{f©H {à{_`_ Ûmam/By annualized premium

48.00% 44.00% 51.00% 43.00% 44.00%

59.00% 54.00% 63.00% 59.00% 58.00%

16 EZ.nr.E. AZwnmV (G$U nmoQ© \ mo{b`mo H m) gH b EZ nrE. AZwnmVNPA Ratio (of debt portfolio) Gross NPA RatioewÜX EZ.nr.E. AZwnmVNet NPA Ratio

7.78% 8.17% 6.15% 6.23% 4.73%

0.05% 0.79% 0.27% 1.82% 1.96%

17 g§nÞVm AZwnmV (^maV _o ì`dgm`)Solvency Ratio (Within India Business) 1.76 1.55 1.60 1.58 1.58

OrdZ ~r_m Ho {bE A§e Ym{aVm H m à{VénEquity Holding pattern for Life Insurers

1 A) A§emo H r g§»`m / (a) No of shares NA NA NA NA NA

2 ~) A§eYm{aVm H m à{VeV(b) Percentage of shareholding NA NA NA NA NA

3 g) gaH ma Ûmam YmaU H m %(c ) % of Government holding 100% 100% 100% 100% 100%

4 A)~x{Z`m{X Ed§ gwYarV B© nr Eg AmgmYmaU _Xm| Ho nwd©(a) Basic and diluted EPS before extraordinary items NA NA NA NA NA

5 ~) ~x{Z`m{X Ed§ gwYarV B© nr Eg AmgmYmaU _Xm| Ho níMmV(b) Basic and diluted EPS after extraordinary items NA NA NA NA NA

6 iv) à{V eoAa ~hr _yë`(iv) Book value per share NA NA NA NA NA

{nNbr Ad{Y Ho AZwnmV H mo nwZ: g_w{hV AmH Smo§ na V¡`ma {H `m J`m h¡&Previous Period's Ratios are worked out on regrouped figures* nm°{bgr YmaH {Z{Y na CnO H r JUVm _mÜ` na H r OmVr h¡&* Yield is calculated on Mean Policyholders' Fund.** gVV AZwnmV H r JUZm AmB© Ama Sr E AmB© Ho g§gmo{YV {Xem {ZXo©emo§Ho AZwgma H r JB© h¡&** Persistency Ratios have been calculated as per revised IRDAI guidelines{QßnUr…- {ZåZ{b{IV AZwnmVmo§ Ho A{V{aº g^r AZwnmV à{VeV én _o§ Xem©ò Jò h¡&Note: All Ratios are in percentage form except the ratios stated below:

A) A§emoYmaH mo§ H r {Z{Y Ho {bò nm°{bgrYmaH mo§ Ho Xm{`Ëd H m AZwnmVa. Ratio of Policyholder's liabilities to shareholder's funds~) H a nümV bm^/Hw b Am` / b. Profit after tax/ total Income.g) (ny±Or A{Yeof) go Hw b {Zdoe / c. Total Investments/(Capital +Surplus)X) (ny§Or + A{Yeof) go Hw b gå~Õ {Zdoe /d. Total affiliated Investments/(Capital +Surplus)B) g§nÞVm AZwnmV / e. Solvency RatioB©) ewÜX _yë` _o n{adV©Z hOma énò _o§ h¡& / f. Change in Net Worth is in Rs. Thousand

362


64 th

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gZXr boImH$ma CHARTERED ACCOuNTANTS


AÜ`jChairman

amO Hw$_maRaj Kumar









}

363


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dt

^maVr` OrdZ ~r_m {ZJ_ H$s {Z`§{ÌV {Z{Y Xem©Zo dmbm {ddaUStatement 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)2020-21 2019-20

nm°{bgrYmaH$ {ZYr (OrdZ {ZYr)Policyholders' Fund (Life Fund)gh^m{JVm - Participating

d¡`pVH$ ~r_m - Individual Assurance 2432648.46 2232952.49

dm{f©H$s ì`dgm` - Annuity Business 1236.34 1456.22

noÝeZ ì`dgm` - Pension Business 28038.77 27477.73

g_yh ~r_m - Group Assurance 43936.75 43936.75

J¡a-gh^m{JVm - Non Participating

d¡_pVH$ ~r_m (Bg _| OrdZ g§~§Õ - J¡a BH$mB© {ZYr em{_b h¡ )Individual Assurance (Includes Life, Linked- Non unit Fund) 50211.42 46096.97

dm{f©H$s ì`dgm` - Annuity Business 95503.33 75485.55


ñdmñW ì`dgm` - Health Business 530.37 453.25

g§~§Õ - Linkedd¡`pVH$ ~r_m - Individual Assurance 22554.74 22282.94


d¡`pVH$ noÝeZ - Individual Pension 8413.12 8595.49

g_yh A{Y d{f©Vm - Group Superannuation 0.00 0.00

g_yh CZXmZ - Group Gratuity 119.28 101.75

ñdmñW ì`dgm` - Health Business 1768.40 1458.75

^mdr {d{Z`moOZm| Ho$ {bE {Z{Y`m§ - Funds for Future Appropriations 3.34 0.21

~§X H$mof (`y{ZQ>) - Discontinued Fund (unit) 17.54 12.10

OmoS> (H$) / Total (A) 3433199.19 3111374.70

eo`aYmaH$m| H$s {Z{Y - Shareholders' FundàXÎm ny±Or - Paid up Capital 100.00 100.00

Ama{jV Am¡a A{Yeof - Reserves & Surpluses 5943.20 342.62

C{MV _yë` n[adV©Z - Fair Value Change 8.96 0.00

OmoS> (I) / Total (B) 6052.16 442.62

~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

eo`aYmaH$m| H$s {Z{Y H$m OmoS> (I+J)- Total shareholders' funds (B+C) 6052.16 442.62

{Z`§{ÌV {Z{Y OmoS> (H$ + I + J). - Controlled Fund [Total (A+B+C) 3439251.35 3111817.32

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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 Pro�t & Loss Account

(In respect of Business In India)

(` H$amoS> _|)(` in crore)

2020-21 2019-20[Z`§{ÌV {Z{Y H$m AWeofOpening Balance of Controlled Fund 3111817.32 2825717.37

OmoS>o … A§VaàdmhAdd: InflowAm`Income

àr_r`_ Am` Premium Income 402886.21 379011.34

KQ>mE§ … A§V[aV nwZ~u_m Less: Reinsurance ceded 441.76 326.69

{Zdb àr_r`_Net Premium 402444.45 378684.65 {Zdoe Am`*Investment Income* 278296.56 235122.82

AÝ` Am`Other Income 595.31 1469.81

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 681336.32 615277.28 KQ>mE§ … ~{hJ©_ZLess: Outgo

(i) àXÎm bm^ ([Zdb) Benefits paid (Net) 284269.95 252158.69

(ii) àXÎm A§V[a_ ~moZg Interim Bonus Paid 2225.33 1670.89

(iii) Xo`Vm Ho$ _yë`m§H$Z _| n[adV©Z** Change in Valuation of Liability** 321824.49 286038.48

(iv) H${_eZ Commission 22147.90 21003.55

(v) àMmbZ ì`` Operating Expenses 34945.19 34524.11

(vi) H$amYmZ Ho$ {bE àmdYmZ Am` H$a Provision for Taxation I.T. 7944.20 6821.84

(vii) H$amYmZ Ho$ Abmdm AÝ` àmdmYmZ *** Provision other than Taxation *** 5000.59 10267.01

(vii) AÝ`*** Others*** 93.07 98.21

Hw$b ~{hJ©_ZTotal Outgo 678450.72 612582.78

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2020-21 2019-20nm°{bgrYmaH$m| H$s {ZYr H$m A{YeofSurplus of the Policyholders' Fund 2885.60 2694.50

KQ>mE§ … eoAaYmaH$m| Ho$ ImVoo _|o A§V[aV Less: transferred to Shareholders' Account 2885.60 2694.50

nm°{bgrYmaH$m| Ho$ ImV| _| {Zdb àdmhNet Flow in Policyholders' account 0.00 0.00

OmoSo> … eoAaYmaH$m| H$s {ZYr _| {Zdb Am`/(ì``)Add: Net income/(expense) in Shareholders' Fund 2894.85 9.12

{Zdb A§V©dmh / ~{hdm©hNet In Flow / Outflow 2894.85 9.12

OmoSo> … _yë`m§H$Z Xo`VmAm| _| n[adV©Z **Add: change in valuation Liabilities** 321824.49 286038.48

OmoS>o … EbAmB©gr ({g§Jmnwa) _| n«XËV A§enw§OrAdd: Capital infusion to LIC (Singapore) Pte ltd 0.00 52.35

OmoS>o … df© 2019-2020 Ho$ {bE A{Yeof _| gaH$mar {hñgoXmar Am¡a 2019-2020 Ed§ 2020-2021 Ho$ {bE CRAC ì`dgm` H$m à{VYmaUAdd: Retention of Government share of surplus for the year 2019-20 and CRAC business for the year 2019-20 and 2020-21 2705.73 0.00

OmoS>o … C{MV _yë` _| n[adV©ZAdd: Fair value change 8.96 0.00

{Z`§{ÌV {Z{Y H$m A§V eofClosing Balance of Controlled Fund 3439251.35 3111817.32 VwbZ-nÌ Ho$ AZwgmaAs Per Balance Sheet 3439251.35 3111817.32 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$Z _| hþE n[adV©Z _| ^mdr {d{Z`moOZm| Ho$ {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$mo AbJ n§pŠV dmbr _Xm| Ho$ 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

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eoàYmaH$m| Am¡a nm°{bgrYmaH$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)


2020-21 2019-20nm°{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 3078923.67 2783776.55

OmoS>o … amOñd ImVo H$m AdeofAdd: Surplus of the Revenue Account

OmoSo> … _yë`m§H$Z Xo`VmAm| _| n[adV©ZAdd: Change in valuation Liabilities 321402.44 295147.12

OmoS> Total 3400326.11 3078923.67 VwbZm nÌ Ho$ AZwgma/As per Balance Sheet 3400326.11 3078923.67

A§Va, `{X H$moB© h¡/Difference, if any 0.00 0.00

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 32451.03 41559.67

OmoS>o … amOñd ImVo H$m A{Yeof/Add: Surplus of the Revenue Account

OmoSo> … _yë`m§H$Z Xo`VmAm| _| n[adV©Z/Add: Change in valuation Liabilities 422.05 (9108.64)

OmoS> Total 32873.08 32451.03 VwbZ-nÌ Ho$ AZwgma*/ As per Balance Sheet* 32873.08 32451.03

A§Va, `{X H$moB© h¡/ Difference, if any 0.00 0.00

eoàYmaH$m| H$s {ZYr`m±Shareholders' Funds

eoàYmaH$m| H$m {ZYr H$m AWeofOpening Balance of Shareholders' Fund 442.62 381.15

OmoS>o … … eoàYmaH$m| H$s {ZYr _| {Zdb Am`/(ì``)Add: Net income/(expense) in Shareholders' Fund 2894.85 9.12

OmoS>o … EbAmB©gr ({g§Jmnwa) _| n«XËV A§enw§OrAdd: Capital infusion to LIC (Singapore) Pte ltd 0.00 52.35

OmoS>o … df© 2019-2020 Ho$ {bE A{Yeof _| gaH$mar {hñgoXmar Am¡a 2019-2020 Ed§ 2020-2021 Ho$ {bE CRAC ì`dgm` H$m à{VYmaUAdd: Retention of Government share of surplus for the year 2019-20 and CRAC business for the year 2019-20 and 2020-21 2705.73 0.00

OmoS>o … C{MV _yë` _| n[adV©ZAdd: Fair value change 8.96 0.00

eoàYmaH$m| H$m {ZYr H$m A§Veof/Closing Balance of the shareholders' fund 6052.16 442.62

VwbZ-nÌ Ho$ AZwgma/As per Balance Sheet 6052.16 442.62

A§Va, `{X H$moB© h¡/ Difference, if any 0.00 0.00 * ~§X {ZYr (`y{ZQ>) em{_b h¡&/ * Includes Discontinued Fund (unit)

367


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àmpßV Ed§ ^wJVmZ boImRECEIPT AND PAYMENTS ACCOUNT

31 _mM©, 2021 H mo Hw b ì`dgm` go g§~§{YV ZH X àdmh {ddaUCASH FLOW STATEMENT AS AT 31ST MARCH, 2021 IN RESPECT OF TOTAL BUSINESS

(` bmIm| _|)(` in lakhs)

{ddaUParticulars

Mmby df©CURRENT YEAR

{nN>bo df©PREVIOUS YEAR

n{aMmbZ J{V{d{Y`m| go ZH X àdmh:Cash Flows from the operating activities:1 nm°{bgrYmaH m| go àmßV àr{_`_, {Og_o A{J«_ àm{ßV`m± em{_b h|

Premium received from policyholders, including advance receipts

40753470.81 37599412.23

2 AÝ` àm{ßV`m±Other recei1pts

59950.49 146897.74

3 nwZ:~r_mH Vm©Am| H mo ^wJVmZ, H {_eZ Ed§ Xmdm| go ewÜXPayments to the re-insurers, net of commissions and claims/ Benefits

(4904.62) (3147.99)

4 gh ~r_mH §nZr`mo H mo ^wJVmZ, Xmdm|/bm^ go ewÜXPayments to co-insurers, net of claims / benefit recovery

0.00 0.00

5 Xmdm|/bm^ H m ^wJVmZ Payments of claims/benefits

(28529648.07) (24630580.78)

6 H {_eZ Am¡a Xbmbr H m ^wJVmZPayments of commission and brokerage

(2184439.10) (2135509.36)

7 AÝ` n{aMmbZ ì``m| H m ^wJVmZPayments of other operating expenses

(2872522.32) (2294403.54)

8 àma§{^H Ed§ nwd©-Amnao{Qd ì``Preliminary and pre-operative expenses

0.00 0.00

9 O_m, A{J«_ Am¡a ñQm\ FUDeposits, advances and staff loans

(470441.84) (72091.20)

10 Am`H a H m ^wJVmZ (ewÜX)Income taxes paid (Net)

(943002.75) (770546.03)

11 godmH a/OrgQr H m ^wJVmZService tax/ GST paid

(236155.65) (363162.43)

12 AgmYmaU _Xm| go nwd© ZH X àdmhCash flows before extraordinary items

5572306.96 7476868.64

13 AgmYmaU g§MmbZ go ZH X àdmh ({ddaU Xo)Cash flow from extraordinary operations (give break-up)

0.00 0.00

n{aMmbZ J{V{d{Y`m| go ewÜX ZH X àdmh:Net cash flow from operating activities:

5572306.96 7476868.64

~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

368


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àmpßV Ed§ ^wJVmZ boImRECEIPT AND PAYMENTS ACCOUNT

31 _mM©, 2021 H mo Hw b ì`dgm` go g§~§{YV ZH X àdmh {ddaUCASH FLOW STATEMENT AS AT 31ST MARCH, 2021 IN RESPECT OF TOTAL BUSINESS

{Zdoe J{V{d{Y`m| go ZH X àdmh:Cash flows from investing activities:

14 AMb g§n{ËV`m| H r IarXPurchase of fixed assets

(107409.61) (55836.36)

15 AMb g§n{ËV`m| H r {~H« r go àm{ßV`m±Proceeds from sale of fixed assets

28523.64 10273.23

16 {Zdem| H r IarXPurchases of investments

(51597062.50) (44233746.91)

17 {dV{aV FU (^wJVmZ go ewÜX)Loans disbursed (Net of Repayments)

(891919.63) (306629.43)

18 {Zdem| H r {~H« rSales of investments

23137157.11 13684451.60

19 {H am`m/ã`mO/bm^m§e àmßV Rents/Interests/ Dividends received

23213886.14 20992573.18

20 _wÐm ~mOma CnHaUm| Am¡a Vab å`wMwAb \§ S (ewÜX) _| {ZdoeInvestments in money market instruments and in liquid mutual funds (Net)

836035.37 1332655.70

21 {Zdoem| g| g§~§{YV ì``Expenses related to investments

(37797.77) 0.00

{Zdoe J{V{d{Y`m| go ewÜX ZH X àdmh:Net cash flow from investing activities

(5418587.24) (8576259.00)

{dËVr` J{V{d{Y`m| go ZH X àdmh:Cash flows from financing activities:

EbAmB©gr ({g§Jmnwa) _| n«XËV A§enw§OrCapital infusion to LIC (Singapore) Pte ltd

0.00 5235.00

HO© boZo go àm{ßV`m± / Proceeds from borrowing 0.00 0.00

HO© H m ^wJVmZ / Repayments of borrowing 0.00 0.00

ã`mO/bm^m§e H m ^wJVmZ / Interest/dividends paid 0.00 (266059.55)

{dËVr` J{V{d{Y`m| go ewÜX ZH X àdmh:Net cash flow from financing activities

0.00 (260824.55)

ZHX Am¡a ZH X Ho g_Vwë` ewÜX na {dXoer _wÐm Xam| H m à^mdEffect of foreign exchange rates on cash and cash equivalents, net

17305.64 4055.63

ZHX Am¡a ZH X Ho g_Vwë` _| {Zdb d¥{ÜXNet Increase in cash & cash equivalents

171025.36 (1356159.27)

df© Ho àm§a^ _| ZH X Ed§ ZH X g_Vwë`Cash and cash equivalents at the beginning of the year

2862370.70 4218529.97

df© Ho AV§ _| ZH X Ed§ ZH X g_Vwë`Cash and cash equivalents at the end of the year

3033396.06 2862370.70

369


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AÜ`jChairman

amO Hw$_maRaj Kumar









}

370


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LIFE INSURANCE CORPORATION OF INDIA FINANCE & ACCOUNTS DEPARTMENT\ m_© ~r-~rEg FORM B - BS



31 _mM©, 2020 VH$ ny±Or _moMZ ({ZYm©[aV dm{f©H$s g{hV) ì`dgm` (J¡a gh^mJr) go g§~§{YV VwbZ nÌBALANCE SHEET AS AT 31st March, 2021

Capital Redemption (Including Annuity Certain) Business (Non Participating)


{ddaUParticulars

AZwgy{MSchedule



{Z{Y`m| H$m ómoV SOURCES OF FUNDSeo`a ny±Or / SHARE CAPITAL 5 0.00 0.00

nm°{bgr Xm{`Ëd / POLICY LIABILITY 19808.56 19195.70

Ama{jV{Z{Y Ed§ A{YeofRESERVES AND SuRPLuS 6 35.56 35.56

ghr _yë` n[adV©Z boImFAIR VALuE CHANGE ACCOuNT 0.00 0.00

CYmar / BORROWINGS 7 0.00 0.00

^{dî` {d{Z`moOZm| Ho$ {bE {Z{Y`m±FuNDS FOR FuTuRE APPROPRIATIONS 0.00 0.00

Hw$b / TOTAL 19844.12 19231.25{Z{Y`m| H$m à`moJAPPLICATION OF FUNDS{Zdoe / INVESTMENTS 8 21854.05 20885.83

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$‹S> Ed§ ~¢H$ _| A{Veof Cash and Bank Balances 11 0.00 2.00

A{J«_ Ed§ AÝ` n[agån{Îm`m± Advances and Other Assets 12 422.33 146.12

Cn-`moJ (H$) / Sub-Total (A) 422.32 148.12Mmby Xm{`Ëd / CuRRENT LIABILITIES 13 2432.26 1859.66

àmdYmZ / PROVISIONS 14 0.00 (56.96)

Cn-`moJ (I) / Sub-Total (B) 2432.26 1802.70ewÕ Mmby n[agån{Îm`m± (J)= (H - I)NET CURRENT ASSETS (C) = (A - B) (2,009.93) (1,654.58)

371


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dt


{ddaUParticulars

AZwgy{MSchedule



{d{dY ì`` (Omo~Åo ImVo _| Z S>mbo JE hmo `m g_m`mo{OV Z {H ò Jò hm|)MISCELLANEOUS EXPENDITURE (to the extent not written off or adjusted) 15 0.00 0.00

bm^-hm{Z boIm _| Zm_| eof (eoàYmaH$m| H$m ImVm)DEBIT BALANCE IN PROFIT & LOSS ACCOUNT (Shareholders' Account) 0.00 0.00

Hw$b TOTAL 19844.12 19231.25





AÜ`jChairman

amO Hw$_maRaj Kumar









}IÊSo>dmb O¡Z E§S> H§$. Ho$ {bEFor Khandelwal Jain & Co. Chartered Accountants F.R.N. / 105049We¡boe emh (nmQ>©Za) Shailesh Shah (Partner) g.H«$./M.No.033632Place : Mumbai










372


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\ m_© ~r-AmaE FORM B- RA~r_mH$Vm© H$m Zm_ … ^maVr` OrdZ ~r_m {ZJ_ Name of the Insurer: Life Insurance Corporation of India


31 _mM©, 2021 VH$ ny±Or _moMZ ({ZYm©[aV dm{f©H$s g{hV) ì`dgm` (J¡a gh^mJr) go g§~§{YV amOñd boImREVENUE ACCOUNT FOR THE YEAR ENDED 31st March, 2021

Capital Redemption (Including Annuity Certain) Business (Non Participating)(` bmIm| _|)(` in lakhs)

{ddaUParticulars

AZwgy{MSchedule



1. A{O©X (ewÕ) àr_r`_Premiums earned (Net) 1 192.12 222.28

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{ZB. Loss on sale /redemption of investments (7039) (71.52)

3. nm°{bgr Xm{`Ëd _o§ n{adV©ZChange in Policy Liability 0.00 0.00

4. AÝ`Others

ã`mO (\w Q>H$a) àmáInterest (Sundry) received 0.72 0.87

àr{_`_ na ã`mOInterest on premium 0.00 0.00

5. ã`mO Ed§ bm^m§e - Hw$bInterest & Dividends - Gross 1767.57 1695.14

Hw$b (H$) TOTAL (A) 1890.02 1846.76 1. àXÎm Xmdo (ewÕ)

Claims incurred (Net) 2 779.45 857.15 2. H$_reZ

Commission 3 1.90 1.47 3. ~r_m ì`dgm` go g§~§{YV n[aMmbZ IM©

Operating Expenses related to Insurance Business 4 104.56 100.44 4. AÝ` - Others

g§{X½Y VWm AemoÜ` F$Um| Ho$ {bE àmdYmZProvision for Bad & Doubtful Debts (5.60) 0.00

H$amYmZ Ho$ {bE àmdYmZProvision for Taxation 138.68 90.06

nm°brgr Xm{`Ëd _| n[adV©ZChange in Policy Liabilities 612.86 598.48

nwZam§H$sV H$amYmZ Ho$ {bE àmdYmZProvision for taxation written back 0.00 0.00

Hw$b (I) TOTAL (B) 1631.86 1647.60 ny±Or _moMZ ({ZYm©[aV dm{f©H$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) 258.17 199.16

LIFE INSURANCE CORPORATION OF INDIA FINANCE & ACCOUNTS DEPARTMENT

373


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{ddaUParticulars

AZwgy{MSchedule



{d{Z`moOZ Appropriationseo`aYmaH$m| Ho$ ImVo _| A§VaUTransfer to shareholders' Account 0.00 0.00

AmnmVH$m{bZ Ama{jV {Z{Y`m| _| A§VaUTransfer to Catastrophe Reserve 0.00 0.00

AÝ` Ama{jV {Z{Y`m| _| A§VaUTransfer to Other Reserves (to be specified) 0.00 0.00

Hw$b (J) TOTAL (C) 258.17 199.16





AÜ`jChairman

amO Hw$_maRaj Kumar



















374


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dt

\ m_© ~r-nrEb FORM B- PL

31 _mM©, 2021 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 boImPROFIT & LOSS ACCOUNT FOR THE YEAR ENDED 31st March, 2021

Capital Redemption (Including Annuity Certain) Business (Non Participating)


{ddaUParticulars

AZwgy{MSchedule



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 258.17 199.16 (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 r {~H«$s / _moMZ na bm^(b) Profit on sale/redemption of Investment 0.00 0.00

KQ>mE§ … {Zdoe H r {~H«$s na hm{ZLess:Loss on sale of Investments 0.00 0.00

3. AÝ` Am` Other Income 0.00 0.00Hw$b (H$) TOTAL (A) 258.17 199.16

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 0.005. 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$b (I) TOTAL (B) 0.00 0.00H$a nyd© bm^ Profit before tax 258.17 199.16

H$amYmZ Ho$ {bE àmdYmZ Provision for Taxation 0.00 0.00

H$a ~mX bm^ Profit after tax 258.17 199.16

{d{Z`moOZ - APPROPRIATIONS



LIFE INSURANCE CORPORATION OF INDIA

375


64 th

dt


{ddaUParticulars

AZwgy{MSchedule



(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{ZBalance of profit/loss brought forward from last year 0.00 0.00VwbZ nÌ H$mo AJ«o{fV bm^ / hm{ZProfit/Loss carried forward to the Balance Sheet 258.17 199.16





AÜ`jChairman

amO Hw$_maRaj Kumar



















376


64 th

dt

AZwgyMr - 1 àr_r`_ A{O©V ({Zdb)SCHEDULE - 1 PREMIUM EARNED (NET)


{ddaUParticulars



1 àË`j àr_r`_ {b{IV ì`mnma go/Premium from direct business written 192.12 222.28

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 192.12 222.28Hw$b àr_r`_ A{O©V ({Zdb)-Total Premium Earned (Net) 192.12 222.28

àr_r`_ Am` {b{IV ì`dgm` goPremium Income from business effected

1 ^maV _| / In India 192.12 222.282 ^maV Ho$ ~mha/ Outside India 0.00 0.00

Hw$b àr_r`_ ({Zdb)-Total Premium (Net) 192.12 222.28

AZwgyMr - 2 Xmdm IM© ({Zdb)SCHEDULE -2 Claims incurred (Net)


{ddaUParticulars



Xmdo H$m ^wJVmZ - Claims Paid grYm - Direct_¥Ë`w - Death 8.00 8.00n[an¹$Vm - Maturity 725.67 802.40dmfuH$s - Annuity 39.99 41.65Aä`n©U - Surrender 4.28 3.57Xmdm Z H$s JB© Am¡a ~H$m`m am[e na ã`mO- Interest on unclaimerd and outstanding claim 1.51 0.00OmoS>o … ñdrH¥$V nwZ~u_mAdd:Reinsurance accepted 0.00 0.00KQ>mE§ … nwZ~u_m A§V[aV � Less:Reinsurance Ceded 0.00 0.00{Zdb Xmdo H$m ^wJVmZ - Net Claims paid 779.45 855.62Hw$b Xmdo IM© - Total Claims Incurred 779.45 857.15XmdoXmam| H$mo ^wJVmZ {H$E JE Xmdo - Claims paid to claimants:^maV _| - In India 779.45 857.15^maV Ho$ ~mha - Outside India 0.00 0.00Hw$b Xmdo IM©- Total Claims Incurred 779.45 857.15


({ZYm©{aV dm{f©H$r g{hV) ì`dgm` (J¡a gh^mJr) ny±Or _moMZ g_mßV df© 31.03.2021 Ho$ {bE

Capital Redemption (including Annuity Certain) Business ( Non Participating) for the year ended 31.03.2021

377


64 th

dt

AZwgyMr - 3 H$_reZSCHEDULE -3 COMMISSION


{ddaUParticulars



àXÎm H$_reZ - Commission paidgrYm - Direct 1.90 1.47

OmoS>o … ñdrH¥$V nwZ~u_m na H$_reZAdd : Commission on Re-insurance Accepted 0.00 0.00

KQ>mE§ … A§V[aV nwZ~u_m na H$_reZLess: Commission on Re-insurance Ceded 1.90 0.00

{Zdb H$_reZNet Commission 1.90 1.47

AZwgyMr - 4 ~r_m ì`dgm` go g§~§{YV n[aMmbZ ì`` SCHEDULE -4 OPERATING EXPENSES RELATED TO INSURANCE BUSINESS


{ddaUParticulars



1 H$_©Mm[a`m| H$m n[al{_H$ VWm H$ë`mU bm^Employees'remuneration & welfare benefits 82.06 78.06

2 `mÌm, gdmar Ed§ dmhZ MmbZ ì`` Travel,conveyance and vehicle running expenses 1.48 1.42

3 à{ejU ì`` - Training expenses 0.00 0.004 {H$am`m§, Xa| Ed§ H$a - Rents,rates & Taxes 2.53 2.435 _aå_V - Repairs 0.87 0.836 _wÐU Ed§ boIm gm_J«r - Printing & stationery 0.99 0.967 g§Mma ì`` - Communication 2.55 2.458 {d{dY Ed§ ì`mdgm{`H$ à^ma

Legal & professional charges 0.05 0.059 boIm n[ajH$ ewëH$, ì`` Am{X / Auditors' fees,expenses etc

(H$) boIm n[ajH$ Ho$ ê$n _| / (a) as auditor 0.21 0.21

(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$gr ^r AÝ` j_Vm _|/(c) in any other capacity 0.00 0.0010 {dkmnZ Ed§ àMma/Advertisement and publicity 0.00 0.0011 ã`mO Ed§ ~¢H$ à^ma/Interest & bank Charges 0.69 0.7112 {d{dY ì`` - Miscellaneous Expenses 11.34 11.56

{M{H$Ëgm ewëH$ - Medical Fees 0.00 0.00

~r_m ñQ>±n/agrX ñQ>±n - Policy Stamps/Receipt Stamps 0.06 0.06

378


64 th

dt

AZwgyMr - 4 ~r_m ì`dgm` go g§~§{YV n[aMmbZ ì`` SCHEDULE -4 OPERATING EXPENSES RELATED TO INSURANCE BUSINESS


{ddaUParticulars



{~Obr ewëH$ -Electricity Charges 1.65 1.69

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

àr[_`_na Os.Eg.Qs. - GST on Premimum 0.07 0.0013 _yë`èhmg - Depreciation 0.00 0.00

Hw$b - TOTAL 104.56 100.44

AZwgyMr - 6 Ama{jV {Z{Y Ed§ A{YeofSCHEDULE 6 RESERVES AND SURPLUS


{ddaUParticulars



1 ny±Or Ama{jV {Z{YCapital Reserve 0.00 0.00

2 ny±Or _moMZ Ama{jV {Z{YCapital Redemption Reserve 0.00 0.00

3 eo`a àr[_`_Share Premium 0.00 0.00

4 gm_mÝ` Ama{jV {Z{YGeneral Reserves

àma§{^H$ eofOpening Balance 35.56 35.56

df© Ho$ Xm¡amZ `moJ Additions during the year 0.00 0.00

A§{V_ eofClosing balance 35.56 35.56

KQ>mE§ … bm^-hm{Z boIo _| Zm_| A{YeofLess:Debit Balance in Profit & Loss Account 0.00 0.00

KQ>mE§ … nwZ©IarX Ho$ {bE à`wº$ am{eLess: Amount utilised for Buy-back 0.00 0.00

5 AmnmVH$m{bZ Ama{jV {Z{YCatastrophe Reserve 0.00 0.00

6 AÝ` Ama{jV {Z{YOther Reserves 0.00 0.00

7 bm^-hm{Z boIo _| eof bm^Balance of profit in Profit and Loss Account 0.00 0.00

Hw$b / Total 35.56 35.56

379


64 th

dt

AZwgyMr - 8 {ZdoeSCHEDULE - 8 INVESTMENTS


{ddaUParticulars



XrKm©d[Y {Zdoe LONG TERM INVESTMENTS

1 IOmZo H$s {~bm| g{hV gaH$mar à{V^y{V`m± VWm Jma§{Q>V ~ÝY-nÌGovernment securities and Government guaranteed bonds including Treasury Bills 12485.65 11324.23

2 AÝ` AZw_mo{XV à{V^y{V`m±Other Approved Securities 0.00 0.00

3 AÝ` {ZdoeOther Investments

(H$) eoà(a) Shares

(H$H$) BpŠdQr(aa) Equity 0.00 0.00

KQ>mE§ … J¡a-gyMr~Õ eoàm| _| H$_r Ho$ {bE àmdYmZLess: Provision for diminution in unlisted shares 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 1100.00 1100.00

(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

4 ~w{Z`mXr gw{dYm`m| VWm gm_m{OH$ joÌ _| {Zdoe Investments in Infrastructure and Social Sector 7100.00 7100.00

5 AZ_mo{XV {Zdoem| Ho A{V[a³V AÝ` {ZdoeOther than Approved Investments 19.57 19.57

6 KQ>mE§ … g§{X½Y {Zdoe Ho$ {bE àmdYmZLess:Provision for doubtful Investments (32.80) (32.80)

KQ>mE§ … eoàm| _| H$_r Ho$ {bE àmdYmZLess: Provision for dimunition in value of shares (19.57) (19.57)

Aënmd{Y {ZdoeSHORT TERM INVESTMENTS

380


64 th

dt

AZwgyMr - 8 {ZdoeSCHEDULE - 8 INVESTMENTS


{ddaUParticulars



1 IOmZo H$s {~bm| ghrV gaH$mar à{V^y{V`m± VWm Jma§{Q>V ~ÝY-nÌGovernment securities and Government guaranteed bonds including Treasury Bills 1201.20 0.00

2 AÝ` AZ_mo{XV à{V^y{V`m± Other Approved Securities 0.00 0.00

3 AÝ` {ZdoeOther Investments

(H$) eo`a(a) Shares

(H$H$) BpŠdQr (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

4 ~w{Z`mXr gw{dYm`m| VWm gm_m{OH$ joÌ _| {ZdoeInvestments in Infrastruct_re and Social Sector 0.00 1400.00

KQ>mE§ … àmdYmZ - Less Provisions 0.00 (5.60)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 21854.05 20885.83

{Zdoe - INVESTMENTS1 ^maV _| - In India 21854.05 20885.832 ^maV Ho$ ~mha Outside India 0.00 0.00

Hw$b TOTAL 21854.05 20885.83

Omar(Contd.)

381


64 th

dt

AZwgyMr - 11 amoH$S> Ed§ ~¢H$ _| A{VeofSCHEDULE - 11 CASH AND BANK BALANCES


{ddaUParticulars



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_mBank Balances

(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

(J) AÝ` (c) Others 0.00 0.00

3 _m§JZo na Am¡a Aën gyMZm na YZMoney at Call and Short Notice

(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 0.00 2.00

4 AÝ`Others 0.00 0.00

Hw$bTOTAL 0.00 2.00

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{VeofCASH & BANK BALANCES 0.00 0.00

1 ^maV _| - In India 0.00 2.002 ^maV Ho$ ~mha Outside India 0.00 0.00

Hw$b TOTAL 0.00 2.00

382


64 th

dt

AZwgyMr - 12 A{J«_ Ed§ AÝ` n[agån{Îm`m±SCHEDULE - 12 ADVANCES AND OTHER ASSETS


Sr No. {ddaUParticulars



A{J«_ - Advances1 A§VaU H§$n{Z`m| _| Ama{jV O_m

Reserve deposits with ceding companies 0.00 0.002 {Zdoem| Ho$ {bE AmdoXZ YZ

Application money for investments 0.00 0.003 n{hbo ^wJXmZ

Prepayments 0.00 0.004 A{YH$m[a`m| / {ZXoeH$moo§ H$mo A{J«_

Advances to Officers/Directors 0.00 0.005 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 0.006 AÝ` A{J«_

Other Advances 0.00 0.00

Hw$b (H$)Total (A) 0.00 0.00

AÝ` n[agån{Îm`m| - Other Assets1 {Zdoem|na ~H$m`m / àmoX^wV Am`

Income outstanding / accrued on investments 184.28 0.002 g§{X½Y ã`mO dgybr H$m n«mdYmZ

Provision for interest doubtful of recovery 0.00 0.003 ~H$m¶m àr_r`_

Outstanding Premiums 0.75 4.31 4 EO§Q>mo Ho$ eof

Agents' Balances 0.00 0.005 {dXoer EO§{g`m| Ho$ eof

Foreign Agencies' Balances 0.00 0.006 ~r_m ì`dgm` H$aZodmbr AÝ` B§{Q>{Q>`m| go àmá hmoZo dmbm

Due from other insurance entities carrying on 0.00 0.00insurance business (including reinsurers)

7 ghm`H$ / {Z`§ÌH$ H§$nZr go àmá hmoZo dmbmDue 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>)/ ì`mO Cnm{O©V {H§ Vw Xoo¶ ZhrOthers (Other Miscellaneous Debits) / Interest accrued but not due 237.30 141.81

OrdZ ì`dgm` go Xo` am[e - Amount due from Life Business 0.00 0.00

Hw$b (I) - Total (B) 422.33 146.12 Hw$b (H$+I) Total (A+B) 422.33 146.12

383


64 th

dt

AZwgyMr - 13 Mmby Xo`VmE§SCHEDULE - 13 CURRENT LIABILITIES


{ddaUParticulars



1 E§OQ>m| Ho$ eof/Agents Balances 0.00 0.002 AÝ` ~r_m H§$n{Z`m| H$mo Xo` am{e/Balances due to other insurance companies 0.00 0.003 nwU~mr©_m A§VaU na Ym[aV O_m/Deposits held on reinsurance ceded 0.00 0.004 A{J«_ ê$n _| àmá n«r_r`_/Premiums received in advance 0.00 0.005 Amd§{QV Zhr Hr JB© àr[_`_ - unallocated Premium 0.00 0.006 \w Q>H$a boZXma - Sundry Creditors 1.27 1.27 7 ghm`H$/{Z`§ÌH$ H§$nZr H$mo Xo`/Due to subsidiaries/holding company 0.00 0.008 ~H$m`m Xmd| / Claims Outstanding 13.00 11.17 9 ~H$m`m Añdm{_H$ am{e / O_m O/S Unclaimed Amount / Deposits 32.01 28.35

10 A{YH$m[a`m| / {ZXoeH$m| H$mo Xo`/Due to Officers/Directors 0.00 0.0011 AÝ` (AÝ` {d{dY Ho«${S>Q²>g)/Others (Other Misc. Credits)

i) ~H$m`m H${_eZ / Outstanding Commission 0.01 0.09

ii) ~oXmdm am[e`om§ na A[O©V ã`mO / Interest accrued on unclaimed amount 2.57 0.00

iii) OrdZ ì`dgm` Mmby ImVm Life Business current Account 2383.76 1818.15

iv) OrdZ ì`dgm` Mmby ImVm Life Business Current Account ( Year end Block) 0.00 0.00

v) OrdZ ì`dgm` (B§Qa {Z{Y) Life Business (Inter fund) 0.00 0.00

vi) {Zdoe {Z`§ÌU ImVm / Investment control Account 0.00 0.00

vii) AÝ` Xo`VmE§ / Other Liabilities 0.91 0.63

Hw$b / TOTAL 2432.26 1859.66

AZwgyMr - 14 àmdYmZSCHEDULE - 14 PROVISIONS


{ddaUParticulars



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) 0.00 (256.12)

3 àñVm{dH$ bm^m§e Ho$ {bEFor proposed dividends 0.00 199.16

4 bm^m§e {dVaU H$a Ho$ {bEFor 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 0.00 (56.96)

384


64 th

dt

AmH${ñH$_ Xo`VmE§CONTINGENT LIABILITIES

(` bmIm| _|)(` in lakhs

{ddaU Particulars



1 Am§{eH$ én go A{^XÎm {Zdoe/Partly paid up investments 0.00 0.00 2 {ZJ_ Ho$ {déÜX Xmd| Omo F$U Ho$ én _| A{^pñdH¥$V Zht {H$`o J`o hm|

Claims,other than against policies,not acknowledged as debts by the company 0.00 0.00 3 ~H$m`m ~r_m§H$Z à{V~ÜXVmE± (Ae§ Ed§ à{V^y{V`m| Ho$ g§~§Y _|)

underwriting commitments outstanding (in respect of shares and securities) 0.00 0.00 4 {ZJ_ Ûmam `m {ZJ_ H$s Am¡a go Xr JB© Jma§Q>r

Guarantees given by or on behalf of the company 0.00 0.00 5 {ddm{XV g§{d{YH$ _m§J Xo`VmE§ {OgH$m Cn~§Y Z {H$`m J`m hm|

Statutory Demands/Liabilities in dispute, not provided for 0.00 0.00 6 nwZ©~r_m A{Zdm`©Vm {OgH$m Cn~§Y Z {H$`m J`m hmo

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





AÜ`jChairman

amO Hw$_maRaj Kumar



















385


64 th

dt

Management Report For the year ended

31st March, 2021

31 cee®e&, 2021 keÀes meceeHle Je<e& kesÀ efueS ÒeyebOeve efjHeesì&

386



31 _mM©, 2021 Ho$ g_má df© Ho$ {bE à~§YZ H$s [anmoQ>©

31 _mM©, 2021 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. n§OrH$aU à_mUnÌ {ZJ_ Zo ~r_m {d{Z`m_H$ Ed§ {dH$mg àm{YH$aU go n§OrH$aU Ho$ ZdrH$aU H$m à_mUnÌ H$a {b`m h¡ Am¡a dh {d{Y_mÝ` ~Zm hþAm h¡& {ZJ_ Zo àm{YH$aU Ûmam {d{ZYm©[aV

n§OrH$aU H$s eVm] H$m nmbZ {H$`m h¡&

2. d¡Ym{ZH$ ~H$m`m {ZJ_ Zo, gm§{d{YH$ àm{YH$aUm| H$mo ^wJVmZ `mo½` g^r Xo` YZam{e`m| H$m ^wJVmZ H$a {X`m h¡, {gdm` {ZåZ{bpIV Ho$:

H$) {dËVr` {ddaUmo Ho$ A{^ÝZ ^mJ boIm| H$s {Q>ßnUr _| AmH$pñ_H$ XoZXm[a`m| Ho$ A§VJ©V àH$Q> {H$ò {dMmam{YZ _m_bo&

I) H$_©Mm[a`m| Ho$ doVZ Ed§ A{^H$Vm©Am| H$mo ^wJVmZ {H$ò Jò H$_reZ go Am`H$a Ho$ à{V H$s JB© H$Q>m¡Vr {H$ YZam{e Hw$b {_bmH$a 13190.45 bmI ({nN>bo df©

` 8670.40 bmI h¡)

J) ^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 `

412.28 bmI énE ({nN>bo df© ` 6898.65 bmI)

3. ny§Or H|$Q´>r` gaH$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 _| H$moB© ~Xbmd Zhr h¡&

4. ny§{O`m| H$m {Zdoe à~§YZ Zo, ^maV _| Omar H$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. H$aXmZj_Vm _m{O©Z à~§YZ Bg ~mV H$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. n[ag§n{Îm`m| H$m _yë`m§H$Z {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$s am` _| VwbZ-nÌ _| àñVwV H$s JB©

n[ag§n{Îm`m§, F$U, {Zdoe, EO|Q>m| Ho$ 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. OrdZ ~r_m {Z{Y`m| H$m BñVo_mb VWm {Zdoe ~r_m {Z{Y Ho$ {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. g_ñV OmopI_| VWm CÝh| H$_ H$aZo Ho$ {bE Cnm` (H$) {Zdoem| H$mo H«o${S>Q>, n[aemoYZ Am¡a ã`mO Xa OmopI_m| Ho$ 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$s AdYmaU gr_m go Cna, A{YH$ OmopI_ EŠgnmoOa 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¡&

387

64th

ANNUAL REPORT

LIFE INSURANCE CORPORATION OF INDIA

MANAGEMENT REPORT FOR THE YEAR ENDED 31ST MARCH, 2021

With respect to the operations of the Corporation for the Financial Year ended 31st March, 2021, the Management of the Corporation confirms, certifies and declares as below:

1. Certificate of Registration

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. Statutory Dues

The Corporation has paid all dues payable to the Statutory Authorities except

(a) Those under dispute disclosed under contingent liabilities in the notes to accounts forming part of the financial statements (b) The amounts deducted towards Income-tax from the salaries of the employees and commission paid to Agents aggregating to ` 13,190.45 lakhs (previous year ` 8,670.40 lakhs).

(c) The amount deducted towards Income-tax from payments made to Building/Service Maintenance Contractors, Policyholders and payment to other Statutory Authorities aggregating to ` 412.28 lakhs (previous year ` 6,898.65 lakhs)

3. Capital

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. Investment of Funds

The Management has not directly or indirectly invested outside India the funds of the holders of policies issued in India.

5. Solvency Margin

The Management confirms that the required solvency margin has been maintained as per IRDAI Regulations.

6 Valuation of Assets

The values of all the assets have been reviewed on the date of Balance-Sheet for any possible impairment provision/provision for non performing asset 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 Application and Investments of Life Insurance Funds

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 Overall Risk Exposure and Mitigation Strategies

(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.

388


9. AÝ` Xoem| _| g§MmbZ

{ZJ_ Ho$ àMmbZ VrZ Xoem| AWm©V² `y.Ho$. \$sOr Am¡a _mareg _| h¢& h_| H$moB© Xoe g§~§Yr OmopI_ Zht h¡ Š`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{bpIV h¢:

na§namJV ì`dgm`:

Ad{Y 2020-21 2019-20 2018-19 2017--18

Xmdm| H$s g§»`m am{e

am{e (` H$amo‹S> _|)


am{e(` H$amo‹S> _|)





30 {XZ 606889 3805.52 995398 6179.72 321861 1847.15 82737 504.3630 {XZ go 6 _{hZo 676970 4959.58 871012 3786.02 375634 2155.80 46284 444.656 _{hZo go 1 df© 0 0 641 1.12 993 5.58 4597 36.331 df© go 5 df© 0 0 0 0 780 4.24 14203 80.365 df© Am¡a Cggo AmJo 0 0 0 0 0 0 0 0

Ad{Y 2016-2017

Xmdm| H$s g§»`m am{e am{e (` H$amo‹S> _|)

30 {XZ 129166 583.65

30 {XZ go 6 _{hZo 145463 660.31

6 _{hZo go 1 df© 612 3.02

1 df© go 5 df© 848 4.94

5 df© Am¡a Cggo AmJo 0 0

g§~§Õ ì`dgm`:

Ad{Y 2020-21 2019-20 2018-19 2017-18









30 {XZ 111186 480.02 40588 313.99 16778 118.36 190855 1487.5330 {XZ go 6 _{hZo 63008 631.51 55335 268.42 21682 152.96 73382 488.726 _{hZo go 1 df© 0 0 0 0 4733 33.39 8667 62.931 df© go 5 df© 0 0 0 0 14265 100.64 13593 127.065 df© Am¡a Cggo AmJo 0 0 0 0 0 0 0 0

Ad{Y 2016-2017

Xmdm| H$s g§»`m am{e am{e (` H$amo‹S> _|)

30 {XZ 22959 154.21

30 {XZ go 6 _{hZo 35400 237.77

6 _{hZo go 1 df© 8668 58.22

1 df© go 5 df© 10898 73.20

5 df© Am¡a Cggo AmJo 0 0

ooooo

389

64th

ANNUAL REPORT

9 Operations in other Countries

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 2020-21 2019-20 2018-19 2017--18No. of claims

Amount (` in crore)

No. of claims

Amount (` in crore)

No. of claims

Amount (` in crore)

No. of claims

Amount (` in crore)

30 days 606889 3805.52 995398 6179.72 321861 1847.15 82737 504.3630 days to 6 months 676970 4959.58 871012 3786.02 375634 2155.80 46284 444.656 months to 1 year 0 0 641 1.12 993 5.58 4597 36.331 year to 5 years 0 0 0 0 780 4.24 14203 80.365 years and above 0 0 0 0 0 0 0 0

Period 2016-2017

No. of claims Amount (` in crore)

30 days 129166 583.65

30 days to 6 months 145463 660.31

6 months to 1 year 612 3.02

1 year to 5 years 848 4.94

5 years and above 0 0

Linked Business:

Period 2020-21 2019-20 2018-19 2017-18

No. of claims

Amount (` in crore)

No. of claims

Amount (` in crore)

No. of claims

Amount (` in crore)

No. of claims

Amount (` in crore)

30 days 111186 480.02 40588 313.99 16778 118.36 190855 1487.5330 days to 6 months 63008 631.51 55335 268.42 21682 152.96 73382 488.726 months to 1 year 0 0 0 0 4733 33.39 8667 62.931 year to 5 years 0 0 0 0 14265 100.64 13593 127.065 years and above 0 0 0 0 0 0 0 0

Period 2016-2017

No. of claims Amount (` in crore)

30 days 22959 154.21

30 days to 6 months 35400 237.77

6 months to 1 year 8668 58.22

1 year to 5 years 10898 73.20

5 years and above 0 0

390


11. {Zdoem| H$m _yë`m§H$Z

(H$) J¡a-g§~§Ó ì`dgm`:

VwbZ nÌ _| `Wm X{e©V J¡a-g§~§Õ ì`dgm` Ho$ {Zdoem| Ho$ _yë` Am¡a CZH$m ~mOma _yë` {ZåZ{bpIV VarHo$ go {ZH$mbo JE h¢:

{Zdoe _yë`m§H$Z H$s nÕ{V

1. F$U à{V^y{V`m§ H$) gaH$mar à{V^y{V`m| Am¡a {d_moÀ` A{Y_mZr eoàm| g{hV g^r F$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

_yë`m§H$Z, ZoeZb ñQ>m°H$ EŠgM|O (EZ Eg B©) _| A§{V_ CÕaV ŠbmoqOJ _yë` na {H$`m J`m Wm& {X EZ.Eg.B©. _o gyMr~Õ Zht h¡ Vmo ~r.Eg.B©. Ho$ ŠbmoqOJ _yë` na {H$`m J`m&

3. AgyMr~Õ VWm g{H«$` ê$n go ~oMo JE BpŠdQ>r eo`g© Ho$ Abmdm AÝ`

BZH$s H$s_V na§namJV bmJV _| go Eogo {Zdoem| Ho$ _yë` _| H$_r Ho$ {bE àmdYmZ H$mo KQ>mH$a Am§H$s JB© Wu

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_ CÕaV EZEdr Ho$ AmYma na {H$`m J`m h¡& CÚ_ ny§Or {Zdoem| H$m _yë`m§H$Z, H$_r Ho$ {bE ~wH$ d¡ë`y H$_ àmdYmZ

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{bpIV h¢:

J¡a-g§~Õ ì`dgm`: (` H$amo‹S> _|)

H«$.g§. loUr {Zdoe Hw$b H$m à{VeVl

1 gaH$mar Am¡a AÝ` AZw_mo{XV à{V^y{V`m§ 23,37,610.80 64.83

2 {S>~|Ma/~m§S> 3,26,640.14 9.06

3 H$manmoaoQ>/gaH$ma/gaH$mar {ZH$m` H$mo F$U 19,043.27 0.53

4 BpŠdQ>s/A{Y_mZr eoà/å`wMwAb \§$S> 7,96,514.77 22.095 H$m°b/gmd{Y O_m/H$mofmJma {~b/dm{UpÁ`H$ H$mJX-nÌ Ed§ AÝ` 10,333.19 0.296 {Zdoe g§n{Îm`m§ 14,388.00 0.407 ~ÝYH$ F$U 329.78 0.018 nm°{bgr F$U 1,01,023.33 2.809 AÝ` F$U 0.01 0

Omo‹S> 36,05,883.29 100.00%

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§ 136.87 62.48%

2 {S>~|Ma/~m§S> 82.00 37.43%

3 BpŠdQ>s/A{Y_mZr eoà/å`wMwAb \§$S> 0.20 0.09%

Omo‹S> 219.07 100.00

391

64th

ANNUAL REPORT

11. Valuation of Investments

A). Non Linked Business

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 VALUATION1. 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 Valued at the last quoted closing prices at the NSE. In case not listed/ not traded on NSE

on closing date, then BSE rate.3. Unlisted and other than actively

traded equity sharesThese were measured at historical cost less provision for diminution in value of such investments.

4. Mutual Fund & Venture Capital Investments

Investments in Mutual Funds are valued at last quoted NAV declared by the respective 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:

Non Linked Business: (` in crore)Sr. No. Category Investment % to total1 Government and other approved Securities 23,37,610.80 64.832 Debentures/Bonds 3,26,640.14 9.063 Loans to Corporate/Government/Government Bodies 19,043.27 0.534 Equities/Preference Shares/ Mutual Funds 7,96,514.77 22.095 Call/Fixed deposits/Treasury Bills/ Commercial Papers & others 10,333.19 0.296 Investment Properties 14,388.00 0.407 Loans Mortgage 329.78 0.018 Policy Loans 1,01,023.33 2.809 Loans Others 0.01 0

TOTAL 36,05,883.29 100.00%

CRAC Business

(` in crore)Sr. No. Category Investment % to total

1 Government and other approved Securities 136.87 62.48%

2 Debentures/Bonds 82.00 37.43%

3 Equities/Preference Shares/ Mutual Funds 0.20 0.09%

Total 219.07 100.00

392


(I) g§~ÜX ì`dgm`:

VwbZ-nÌ _| `Wm X{e©V g§~Õ ì`dgm` Ho$ {Zdoem| Ho$ _yë` Am¡a CZHo$ ~mOma _yë` {ZåZ{bpIV 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>m| Ho$ _yë`m§H$Z, E\$ AmB© E_ E_ S>rE Ûmam Kmo{fV {nN>br CnbãY ~mOma Xam| na {H$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$Om] Ho$ à{V boIm-~{h`m| _| àmdmYmZ {H$`m J`m h¡&

2. g{H«$` én go H$mamo~ma {H$ò Jò B{¹$Q>r

eoà

BZH$m _yë`m§H$Z, ZoeZb ñQ>m°H$ EŠgM|O EZEgB© Ohm§ do gyMr~Õ h¡, Ho$ A§{V_ CÕaV ŠbmoqOJ _yë`m| na {H$`m

OmVm h¡& A§VamîQ´>r` n[aMmbZmo (AmB©.Amo.) Ho$ _m_bo _| CÝh| ñQ>m°H$ EŠgM|Om| Ohm do gyMr~ÜX h¡ _| A§{V_

CÕ¥V Šbo{OJ à{H«$`m Ho$ Ý`yZV_ _yë`na {ZYm©[aV {H$`m OmVm h¡&

3. J¡a gyMr~ÜX Am¡a g{H«$` én go H$mamo~ma

{H$ò Jò B{¹$Q>r eoàm| Ho$ Abmdm

BÝho Eo{Vhm{gH$ bmJV Am¡a nwñVH$ _yë` Ho$ ~rM Ho$ AV§a Ho$ {bE boIm nwñVH$m| _| àmdYmZ Ho$ gmW Eo{Vhm{gH$

bmJV na _mnm J`m Wm Ho$db H$mob§~mo AmnaoeZ Ho$ _m_bo _| Ohm§ J¡a-gyMr~Õ eoàmo H$mo _yë` eyÝ` _yë` {X`m

OmVm h¡&

4. gmd{Y O_m BZH$m _yë`m§H$Z bmJV na {H$`m J`m Wm&

5. å`wMwAb \§$S>

AmB©AmaS>rE Ho$ {Xe {ZX}emo Ho$ AZwgma, J¡a {Zînm{XV àjUmo H$s {Xem _o boIm nwñVH$mo§ _| àmdYmZ Ho$ gmW

Eo{Vh{gH$ bmJV na _wë`m±H$Z

6. F$U AmB©AmaS>rE Ho$ {Xem-{ZX}em| Ho$ AZwgma, J¡a-{Zînm{XV F$Um| H$s {Xem _| boIm nwñVH$m| _| àmdYmZ Ho$ gmW

Eo{Vhm{gH$ bmJV na _yë`mÝH$Z&

g§~ÜX ì`dgm`:

(` H$amo‹S> _|)

H«$.g§. loUr {Zdoe Hy$b H$m à{VeV

1 H|$Ðr` gaH$ma H$s à{V^y{V`m§ 40,327.83 57.562 AZw_mo{XV ~mOma à{V^y{V`m§ 717.21 1.023 {S>~|Ma 1,591.45 2.274 ~m§S> 2,804.29 4.005 B{¹${Q>`m§ 22,283.37 31.816 gmd{Y O_m 75.00 0.117 å`wÀmwAb \§$S> 2,249.03 3.218 AÝ` à{V^y{V`m§ 8.26 0.01 Omo‹S> 70,056.44 100.00

(g^r {Zdoe gH$b _yë` na {XImE OmVo h¡)

12. 2020-21 Ho$ Xm¡amZ {Zdoem| H$m àXe©Z g§VmofOZH$ ahm

Ag§~§ÜX> ì`dgm` VWm eoàYmaH$ ny§Or Ho$ g§X^© _| {ZJ_ Zo ã`mO Ho$ Vm¡a na `202624.75 H$amo‹S> VWm bm^m§e Ho$ Vm¡a na `12209.20 H$amo‹S> àmßV {H$ò h¢, {Oggo

Bg gmb Ho$ {bE CnO 7.29% àmpßV hþB© h¢ {ZJ_ Zo {Zdoe g§n{Îm Ho$ {bE `439.71 H$amo‹S> H$m {H$am`m, nm°{bgr F$U na ã`mO Ho$ {bE `11467.10 H$amo‹S> VWm

{Jadr F$U na ã`mO Ho$ Vm¡a na `18.74 H$amo‹S> ^r H$_mE h¢ BpŠdQ>r, gaH$mar à{V^y{V`m§ VWm AÝ` à{V^y{V`m| (F$U emoYZ g{hV) H$s {~H«$s go ewÕ bm^ Ho$ Vm¡a na

`36472.79 H$amo‹S> àmßV hþE, {Oggo Hw$b {_bmH$a 8.58%² {H$ CnO àmßV hþB© h¢&

nw±Or _moMZ ({ZYm©[aV dm{f©H$ gm¤{hªV) ì`ngm` _| {ZJ_ Zo `16.97 H$amo‹S> H$s ewÕ Am` A{O©V H$s, {Oggo 8.25% H$s H$_mB© hþB©&

g§~§ÜX ì`dgm` Ho$ g§~§Y _| {ZJ_ Zo BpŠd{Q>`m| Am¡a gaH$mar à{V^w{V`m| H$s {dH«$r go bm^ Ho$ {bò Bg df© Ho$ ã`mO Ho$ én _| `3622.90 H$amoS>, bm^m§e Ho$ én _|

`602.82 H$amoS> Am¡a `1644.12 H$amo‹S> (n[aemoYZ g{hV) {~«H$s d {d_moMZ go bm^ Ho$ én _| àmßV {H$ò h¢&

393

64th

ANNUAL REPORT

(B) Linked Business

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. Actively traded Equity shares These were valued at last quoted closing prices at the NSE, where they are listed. In case of the scrips not listed on the NSE, the closing prices on the BSE have been taken. In case of International Operations (I.O.) these are valued at lowest of the last quoted closing price at the stock exchanges where they are listed.

3. Unlisted and other than actively traded equity shares

These were measured at historical cost with a provision in the books of accounts for the difference between the historical cost and the book value, except in case of Colombo operation where unlisted share are value at NIL value.

4. Fixed Deposit These were valued at cost.

5. Mutual Fund Investments in Mutual Funds are valued at last quoted NAV declared by the respective mutual fund.

6. Loan Valued at historical cost with a provision, as per IRDA/guidelines, in the books of accounts towards non-performing loans.

Linked Business:

(` in crore)

Sr. No. Category Investment % to total1 Central Govt. Securities 40,327.83 57.562 Approved Market Securities 717.21 1.023 Debentures 1,591.45 2.274 Bonds 2,804.29 4.005 Equities 22,283.37 31.816 Fixed Deposits 75.00 0.117 Mutual Funds 2,249.03 3.218 Other Securities (CBLO, Treasury Bills) 8.26 0.01 Total 70,056.44 100.00

(All Investments are shown at gross value)

12. The performance of the Investments was satisfactory, during 2020-2021.

In respect of Non Linked business, Corporation has earned ` 2,02,624.75 crore as interest and ` 12,209.20 crore as dividend, returning a yield of 7.29% for the year. The corporation also earned rent of ` 439.71 crore from Investment Property, ` 11467.10 crore. for interest on policy loans & ` 18.74 crore as interest on loan on mortgages. Another ` 36,472.79 crore was realized as Net profit from the sale of Equities, Government securities and other securities (including amortization) taking the total yield to 8.58%.

In CRAC business the Corporation earned a net income of ` 16.97 crore, returning a yield of 8.25 %.

In respect of Linked business, Corporation has earned ` 3622.90 crore as interest and ` 602.82 crore as dividend for the year. ` 1644.12 crore (including amortization) was realized as net profit from sale/redemption of investments.

394


13. 31.03.2021 H$mo `WmpñW{V g§~§Õ ì`dgm` Ho$ {Zdb n[ag§n{Îm _yë` {ZåZ{bpIV h¡:\§$S> â`yMa ßbg J«oÀ`wQ>r ßbg

~m°ÊS> 25.7900 32.0660J«moW 54.4888 39.1307BÝH$_ 38.8901 38.1128~¡b|ñS> 41.4223 35.6290

\§$S> OrdZ ßbg _Zr ßbg _mH}$Q> ßbg \$moMw©Z ßbg àmo{\$Q> ßbg _Zr ßbg I _mH}$Q>

ßbg IMmB©ëS> \$moMw©Z

ßbg~m°ÊS> 31.4463 31.8881 35.0734 29.7878 32.0458 33.1411 27.8537 26.6006J«moW 49.3026 22.5721 23.0655 24.6573 21.7500 33.9075 27.2597 43.0729{gŠ`moS©> 32.5008 32.3103 39.6162 29.1755 33.9300 37.0685 23.0107 35.6465~¡b|ñS> 31.4850 34.1384 37.3280 24.2642 35.2925 34.8679 24.1412 32.0992

\§$S> OrdZ gmWr ßbg

E§S>mod_|Q> ßbg Ý`y E§S>mod_|Q> ßbg {Zdoe ßbg

~m°ÊS> 25.1258 23.7326 16.0540 10.5298J«moW 26.9639 25.8757 17.5599 14.4224{gŠ`moS©> 27.9995 22.4628 17.0648 11.8847~¡b|ñS> 28.8233 22.9871 17.1931 12.8182

\§$S> EZEdr

hoëW ßbg 27.9843

hoëW àmoQ>oŠeZ ßbg 25.7064

g_¥{Õ ßbg 23.1411

\§$S> noÝeZ \§$S> âb¡Šgr \§$S>

So>ãQ> 22.5661 19.6987{_ŠñS> 23.2845 20.4528

\§$S ~§X H$s JB© nm°{b{g`m| hoVw H$mofbmB\$ 15.9960

14. 31 _mM©, 2021 H$mo Hw$b `35129.89 H$amo‹S> Ho$ F$U _| go AZO©H$ n[ag§n{Îm`m§ `451303.30 H$amo‹S> h¢ Ohm± Ad_mZH$ n[ag§n{Îm `254.37 H$amo‹S> h¢, dhr± g§{X½Y

g§n{Îm`m§ `20369.17 H$amo‹S> VWm ZwH$gmZXm`H$ g§n{Îm`m§ `14506.35 H$amo‹S> H$s h¢ AmB©AmaS>rEAmB© {Xem{ZX}em| Ho$ AZwgma ~hr-ImVo _| AZO©H$ g§n{Îm`m| Ho$ {bE

`34934.97 H$amo‹S> H$s am{e H$m àmdYmZ {H$`m J`m h¡&

gH$b AZO©H$ n[ag§npËV`m| H$m à{VeV 7.78% h¡ O~{H$ ewÕ AZO©H$ n[ag§npËV`m| H$m 0.05% à{VeV h¡&

n[ag§n{Îm`m§± àmdYmZAd_mZH$ 254.37 60.43g§{X½Y n[ag§n{Îm`m§ 20369.17 20368.19

hm{Z n[ag§n{Îm`m§ 14506.35 14506.35

Omo‹S> 35129.89 34934.97_mZH$ 416173.41 2406.63gH$b Omo‹S> 451303.30 37341.60

{Zdoe EZnrEA B

gH$b 451303.30 35129.89EZnrE àmdYmZ 34934.97 34934.97ewÕ pñW{V 416368.33 194.92

EZnrE Am¡a {Zdoe H$m AZwnmV

395

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ANNUAL REPORT

13. The Net Asset Values of Linked Business as on 31.3.2021:

Fund Future Plus Gratuity PlusBond 25.7900 32.0660Growth 54.4888 39.1307Income 38.8901 38.1128Balanced 41.4223 35.6290

Fund Jeevan Plus

Money Plus

Market Plus Fortune Plus Profit Plus Money Plus I

Market Plus I

Child Fortune Plus

Bond 31.4463 31.8881 35.0734 29.7878 32.0458 33.1411 27.8537 26.6006Growth 49.3026 22.5721 23.0655 24.6573 21.7500 33.9075 27.2597 43.0729Secured 32.5008 32.3103 39.6162 29.1755 33.9300 37.0685 23.0107 35.6465Balanced 31.4850 34.1384 37.3280 24.2642 35.2925 34.8679 24.1412 32.0992

Fund Jeevan Sathi Plus

Endowment Plus

New Endowment Plus

Nivesh Plus

Bond 25.1258 23.7326 16.0540 10.5298Growth 26.9639 25.8757 17.5599 14.4224Secured 27.9995 22.4628 17.0648 11.8847Balanced 28.8233 22.9871 17.1931 12.8182

Fund NAVHealth Plus 27.9843

Health Protection Plus 25.7064Samridhi Plus 23.1411

Fund Pension Plus Flexi PlusDebt 22.5661 19.6987Mixed 23.2845 20.4528

Fund Discontinued FundLife 15.9960

14. The non-performing assets as at 31st March, 2021 are ` 35129.89 crore out of a total portfolio of ` 451303.30 crore. The sub-standard asset is ` 254.37 crore whereas the doubtful asset is ` 20369.17 crore and loss assets are ` 14506.35 crore. An amount of ` 34934.97 crore is provided as per IRDAI guidelines in the books of accounts towards non-performing assets.

The percentage of gross non-performing assets is 7.78% while the net NPA is 0.05%(` in crore)

Asset ProvisionSub Standard 254.37 60.43Doubtful Assets 20369.17 20368.19Loss assets 14506.35 14506.35Total 35129.89 34934.97Standard 416173.41 2406.63Grand Total 451303.30 37341.60

Investment NPAA B

Gross 451303.30 35129.89NPA Provision 34934.97 34934.97Net position 416368.33 194.92

Ratio of NPA to Investment

396


B/A*100gH$b EZnrE 7.78ewÕ EZnrE 0.05

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397

64th

ANNUAL REPORT

B/A*100Gross NPA 7.78Net NPA 0.05

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, 1701 branches representing 83.06% 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 2021 with that of the custodians is on and the latest position is given below:

Difference (*)

Amt. in crores % to category investment

Equity Shares 0.10 0.00002

Debentures & Bonds 9.90 0.003

* 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.

20. Amounts spent for Administrative purposes on behalf of LIC Pension Fund Ltd and LIC Card Services Ltd of Rs. 1345.85 lakhs and Rs. 6.59 lakhs respectively are being reimbursed by them.

21. Contingent liabilities Current Year Previous Year

(` In lakhs) (` In lakhs)

a. Partly paid-up investments 2,33,696 2 0 b. Claims other than against policies not acknowledged as Debts by corporation 1,389 7 1 2 c. Guarantee given by or on behalf of the Company 8 N I L d. Statutory demands/ liabilities in disputes not provided for 24,76,140 22,65,232 e. Others

• Policy related claims under litigation 37,744 39,553 • Claims under litigation other than 10,068 5,212

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.

398


J. à~§§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¡&

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23. Eogo ì`pŠV`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) H$m`©H$mar {ZXoeH$ ({dËV Ed§ boIm) {Z`wŠV ~r_m§H$Z

399

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ANNUAL REPORT

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 (INVO) EXECUTIVE DIRECTOR (F&A) APPOINTED ACTUARY

400


64 th

dt

31st _mM© 2021 H$mo g_mßV df© Ho$ {bE g§~Õ ì`dgm` (`moOZm AZwgma) go g§~§{YV {dÎmr` {ddaU Ed§ àH$Q>rH$aU

31st _mM© 2021 H$mo g_mßV df© Ho$ {bE g§~Õ ì`dgm` (`moOZm AZwgma) go g§~§{YV {ZåZ{b{IV OmZH$mar

h_mar do~gmBQ> www.licindia.in/AnnualReport na B©-àmê$n _| CnbãY h¡:-

1. AZwgy{M`m| Ho$ gmW {dÎmr` {ddaU (`moOZm AZwgma)&

2. g§~Õ ì`dgm` go g§~§{YV àH$Q>rH$aU

Financial Statements and Disclosures in respect of Linked Business (Plan wise) for the year ended 31st March, 2021. Following information related to Linked Business (Plan wise) for the year ended 31st March, 2021 is available in e-format on our website www.licindia.in/AnnualReport:- 1. Financial Statements along with the Schedules (Plan wise).

2. Disclosures in respect of Linked Business

64th

ANNUAL REPORT

AWARD & ACCOLADES 2020-2021

64th

ANNUAL REPORT

Business Leader of theYear Award Most Admired

Company of the year

Business Leaderof the Year Award

Micro Insurance Leader

Business Leaderof the Year Award

Claim Service Leader

Business Leader of theYear Award Technology

lnitiatve of the year ANANDA

Golden Peacock Award 2020For Excellence in

Corporate Governance

64th

ANNUAL REPORT

SKOCH EXCELLENCE IN BFSIFor Claim Settlements

WPP Kantar Brandz Top 75Most Valuable Indian Brands 2020

2nd Most Valuable Brand

FICCI Insurance IndustryAwards 2020 SPECIAL JURY

AWARD

Reader's Digest Trusted Brand 2020

Category - Life Insurance

Certificate of Appreciationby Governer of Maharashtra

for excellent work doneduring Lockdown arising out

of the Covid-19 Pandemic

64th

ANNUAL REPORT

National Awards forExcellence in Financial Services

Marketing

National Awards for Excellencein Financial Services Life Insurance

Company of The Year 2020

IPRCCA Continuous Campaign

(Metro Only) 'Pehle LIC'

ABCI AwardWall Calendar

National Awards forExcellence in Financial Services

Customer Service Excellence

64th

ANNUAL REPORT

ABCI AwardWall Paper for Yogakshema

Magazine

ABCI AwardPhoto Feature Yogakshema

Magazine

ABCI AwardCorporate Intranet

ABCI AwardWeb Communication

Online Campaign

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^maVr` OrdZ ~r_m {ZJ_, Ho$ÝÐr` H$m`m©b`, "`moJjo_', Or. ~r. _mJ©, _w§~B©-400 021 H$s Amoa go lr S>r. nr. nQ>Zm`H$, à_wI (à^mar) ({Z.g./Or.Oo.E\$./{Z.AZw.) Ûmam àH$m{eV Am¡a _wÐH$ {àZQ´>oS> Bí`yO (Am`) àm. {b., `y{ZQ> Z§. 17, àJ{V B§S>pñQ´>`b BñQ>oQ>, 316, Zm. _. Omoer _mJ©, bmoAa naob, _w§~B© - 400 011. Xÿa^mf: 022 408 32525

Published by Shri D. P. Pattanaik, Chief (I/C) (Corp. Gov./GJF/Reg. Comp.) on behalf of LIC of India, Central office, ‘Yogakshema’, Jeevan Marg, Mumbai - 400 021, andPrinted 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 dm{f©H$ [anmoQ>©

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ANNUAL REPORT2020-21

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