Sec.Gen/NEC/4/16-18 Date: 25/07/2016

To all the National Executive Committee Members of NFIFWI

NOTICE

Notice is hereby given that, the NEC meeting will be held on 18th

September 2016, 10am to till

end of meeting on 19th

September 2016, at Hotel Clark Shiraj, Agra under the convener ship of

Agra Division of NCZ to transact the following Agenda. The meeting will start with the Flag

hoisting.

AGENDA

1. Garlanding the photo of late Sri.S.W. Kalwit & lighting the lamp.

1. Presidential Address.

2. Minutes of the previous meeting.

3. Presentation of Report by Secretary General on the activities post FCM Chennai.

4. Open Forum on the activities and all other important matters/concerns pertaining to

the organization.

5. Any other matter with the permission of the chair.

6. Resolutions.

7. Vote of Thanks.

Comradely Yours,

(Vivek Singh)

Secretary General.

Note: (1) All Divisions are requested to clear ALL the DUES. (2)Kindly inform your travel details

to Com. ASHWANI KUMAR SHARMA GS, Agra,Mob: 9411044785.

NFIFWI/NEC-01/2016-18

10th Jun,2016

Minutes of the NEC Meeting held at Hotel Turya,Chennai on 14.02.2016

The NEC meeting before the Federal Council Meeting which was scheduled on 15th & 16th February at Chennai,

was held at Hotel Turya, Chennai. The NEC Meeting began with the welcome address of Com. S

Anand Convenor of FCM Chennai. He warmly welcomed the All India leaders and all CS members to the dais

with a flower boquet and a shawl. He requested the All India leaders especially All India President Com. G.

Nagesh and Secretary General Vivek Singh to light the lamp and garland the portrait of Com. Kalvit.

Com Anand informed the house that it was the first time Federal Council Meeting is held at Chennai in the last

50 years. He informed about the elaborate arrangements made by the comrades of Chennai Division 1 & 2 for

the FCM, at one of the most prestigious venue Chennai Trade Centre. Com. B Manoharan, AIJS & Chairman

of the organising committee welcomed all the delegates and observers to NEC & FCM Chennai and handed over

the dais to AIP for conducting the meeting.

AIP welcomed all the delegates to the NEC meeting. AIP during his welcome address narrated the activities of

NF during the period under review. The new team got elected at Indore and started the journey. In the very

first meeting with management we expressed our views regarding our concern for job security. A work norm

Committee was formed under the chairmanship of Com. KC Sankhayan ZS(NZ), Com Vinay Babu ZS(WZ) & Com

S. Anand ZS(SZ). A report was prepared and handed over to Mgt. The Mgt. agreed to make certain changes.

The proposed changes were placed before NEC. We have discussed all the points but Mgt. did not agree for

the removal of termination clause. After discussion Mgt. sent the proposal to the Govt. On 21st July’15.

SG, AIP, R S Delhi and Div. Secy. Dharwad went to Delhi. The file was pending there for three months. It was

sent back to LIC for Board approval. With the Board approval it was sent back to Govt. Further many queries

were raised by the Govt. All the queries were replied by LIC Mgt. The file was cleared by the legal

department. Finally it got notified. Yet we have not given up the issue of job security. This is an achievement

of the entire organisation. During the process we took support from many people and MP’s. Sri Prahalad

Joshi MP has helped a lot. We were getting all the information through him. I invited Sri Arun Iyer to FCM.

SG told I can’t invite Personal Secretary Sri Arun Iyer to FCM. Four MP’s were invited to FCM. Latter on SG

told Sri Prahalad Joshi not to attend the meeting as he will address the house and if he says President has

done the work I will be in trouble. Now all the four M.P’s are not attending the meeting. DGP is being invited as

Chief Guest for the meeting. In the social media there was a comment it is an achievement of one individual. I

can only say that whatever is the achievement in this two year collectively we have tried our level best and we

have achieved this. Organisation in last two years got many positive circulars. GOIB, marketing expenses are

other issues we have to achieve and concluded his Presidential address.

Page-1

Com. Babu Rajan, Com. Karan Batola and Com. Sanjay Sahi raised Point of Order on Organisational issues

and AIP Com. G. Nagesh asked them to give it in writing.

The Point of Order was based on one point only to the implementation of NEC decision. Since the matter is

sub judice I can’t take any decision. AIP requested the SG to place secretary report. SG placed the report

before the house. AIP invited the members for discussion on secretary report.

Com . JOY : SG was talking about the relationship with Mgt. during 2004. Was it a good relation when Com.

Kalvit was arrested? if the relations were so good why going to Parliamentarian. The basic right of

employee is employment.. RTI is a democratic right. It is totally legal to seek any information. In spite of

thousands of RTI queries pending the wage revision got notified. SG says I will not go to any office if

anyone gets punishment during any agitation. It’s a medal awarded by Mgt. 50 % members are suffering

from no increment and many facing decrement. It’s not possible to collect levy.

Com. J Babu Rajan: RTI is an act enacted by the parliament. It’s a democratic right. SG should appreciate

for going for RTI against Chairman. Remove the false statement regarding RTI against SG. Ex SG lodge

complaint against an unknown person. How he got indulged, so is the case with defamation for one crore. I

am not above the organisation. Before hanging give me a charge-sheet giving an opportunity to place my

views. In my case also the case is sub judice.

Com. V P Singh: We were given an opportunity to host NEC Varanasi. We have some dues to pay to two of

Divisions. We are in deficit. We will close the issue very soon.

Com. Sanjay Sahi: For on line product we have to take some programme and we have to fight it forcefully.

Regarding the termination of a member, Ex SG gave a direct call to branch. He should have talked to Div.

Secy. The people are expelled out and again coming back to NF are talking much without looking within

itself. Job security in what form, is it without doing the assigned job? IB scheme should be taken care of.

For FCM, arrangement should be made for transportation to venue.

Dr K K Singh: In Visakhapatnam NEC some people were talking that SG is telling lie, now the things are

crystal clear in black and white. No one has thanked him for the achievements. No one should have any

doubt on his abilities.

Com. Navin Jhingran: I like to thank the dais for achievements and request you for the road map for

future so that other pending issues are resolved. The present team has established that collectively we can

achieve. We even don’t know how to celebrate. We should celebrate the modifications on Spl. Rule 2009.

It’s a great achievement. Who ever goes against the constitution of NF action is must. He should be

punished. Once again I like to thank you all. We should try to make a new team unanimously.

Com. Ranjan Roy Choudhary: I like to thank SG for placing Secy. Report for 35 pages. I like to mention

certain thing the e- gazette contains the date 22nd Jan’16. It has not been uploaded in the official cite. For

Unit meeting circular a protest letter should have been given. There was no guideline from central

leadership. There should be a solid stand. Workmen status was discussed in CS Mumbai a committee was

formed, what is the progress? We have not taken any stand on MBG as on date, nothing is mentioned in the

Secy. Report. We are not extending any financial support to those who have suffered due to work norm.

Class x pass are not allowed to take agency in urban area.

Page-2

Com. M K Patil: Because of tough market condition and condition arising out of cost norm for last three years

many are not getting opportunity. We should try to dilute the circular or some relaxation. Reopening of

appraisal due to wage revision resulting in recovery is a serious issue. SG told me to go to Sri Prahlad Joshi

and invite him for FCM. We have a programme to honour him. Suddenly we heard that he should not come to

FCM.

Com. G V Joshi: There is no clarity in SG report on the issue of reopening of appraisal due to the effect of

wage revision. We should take it up immediately with central office. News Bulletin should be published.

Controversy regarding my brother attending FCM I am hurt. I never claim that I have done it. It was

entrusted upon me as a member of NF. It was done with my repeated persuasion. I have sent invitation

letters to all parliamentarians. My brother was not having any knowledge about the election to be held. I was

told that if your brother comes and he may refer the name of Mr Nagesh, which is not fair. Then I told him

not to come. It should not be a controversy.

Com. Nazir Basha: Thanks to whole team of Chennai for arranging the FCM in such a nice manner. The RLC

proceedings were not that instrumental in bringing the Mgt. to discuss the issues. The people were sitting

and hearing you with patient. It is not fair to throw out who raises his voice. This was not done by Kalvit Ji.

The case was lodged against unknown person..

Com. Sanjay Bhusari: I like to thank for the achievement for modification on Spl. Rule 2009. The letter of

President on social media came to me yesterday not through proper channel.

Com. Shiv Prasad: I congratulate the team for historic achievement.

Com. Vijay Kumar: Due to modification of Spl. Rule 2009 some of our members were saved. It’s a time for

jubilation.

Com. M K Jha: All India leaders deserves thanks for achievement, it’s a great achievement achieved

collectively.

Com. V P Negi: Now the road map should be no termination. No condition for meal coupon and sitting

arrangement to all Dev. Officers.

Com. Ajit Vaidya: The amount of Levy to be collected should be left to Zone. The major expenses are at the

Div. The major share should be of Division. It has not been discussed in NEC.

Com. P K Joshi: Congratulation for wonderful achievement. SG has mentioned in his report regarding MBG it

has not come yet. We should liaison with Mgt. on product development. News Bulletin should be printed. I

thank God to see SG healthy. We should take care of ADO’s and PDO’s they are part and parcel of our

organisation. Recovery of Group Insurance premium for outstanding vehicle loan is stopped in case the

outstanding loan is recovered.

Com. Balu: Thanks for good wage revision and modification on Spl. Rule 2009. We should try for 100 % cost

free arrear. Care should be taken for those who are in 2nd and 3rd year of suffering due to cost norm. IB

scheme- 2nd year lapsation and gradation should be removed and ACA should be restored.

Page-3

Com. Y N Muniraju: Regarding IB scheme I like to convey the feeling of my Div. the gradation and lapsation

should be removed. Notification of MBG rule should be speedy. For Pvt. Insurance Cos entire country is open.

Rural Dev. Officers should get meal coupon for touring days. At least 70 % Current year arrear should also be

exempted from cost. All visit programmes to CO, Govt. should be mentioned in the secretary report. Its great

SG has worked hard almost throughout the year. No one can violet the Federations rule.

SG while summing up replied that no issue pertaining to Com. Babu Rajan is sub judice as he has said. He has

filed a court case in Munsif Court on 22nd Jan’16 challenging the Constitution. The case should have been filed

at Varanasi. He expressed regret for omitting of the name of Bangalore Div. II in the report, for their

support rendered during handover process at Bangluru and assured to get it mentioned in the Secy. Report

tomorrow. When an injunction was granted by the Munsif's court. the matter was then discussed with AIP, he

suggested for legal opinion. As per legal opinion a caveat was filed in High Court. As Joy Sacaria said I have

not discussed the Spl. Rule 2009 modification with any politician. I have discussed around 2 hours 35 minutes

with Sri G V Joshi. There was some misunderstanding. I cannot disclose many issues but I have respect and

regard for Joshi who is elder than me, and close the issue. Decision on levy was taken as per the discussion of

CS Mumbai and the levy decided is a genuine, reasonable and lowest in comparision to other sister trade

unions. The house ratified the decision of CS Mumbai held on 13th to 15th June 2015. A fixed amount will be

collected as levy based on seniority of service. The amount will be Rs 1000/- per member for less than 5 years

service, Rs. 2000/- per members for 5-10 years of service & Rs. 3,000/- per member for more than 10 years

service. The amount of levy collected from the members would be distributed at the ratio of 15%: 35%: 50%

in between CF, ZF and Divisional Federation. The cut-off date for deciding the seniority of members in service

has also been fixed as 31/12/2015. Documentary film on history of NF should be made.

Com. Kalvit was terminated not during the agitation. He was terminated due to work norm. Constitution

amendment was dropped due to procedural laps. Regarding Babu Rajan, inspite of giving an apology before NEC

for filing a petition to RLC, Trivandram, he has once again filed a petition to RLC, Cochin wanting to become

party along with NFIFWI breaching Organisation discipline and violating NEC decision. As suggested by the

house, if proper evidence is found on the matter, to substantiate, disciplinary action shall be initiated against

Com Babu Rajan. We are expecting notification on MBG till March’16.

Secretary Report was adopted by the house for placing before the FCM.

The meeting was closed with Vote of thanks .

NFIFWI Zindabad……..NFIFWI Zindabad……NFIFWI Zindabad……..

Comradely Your’s

(Vivek Singh)

Secretary General.

Page-4

Report of the Secretary General placed in the NEC Meeting held at AGRA, on 18th

&

19th

September, 2016 at Hotel Clarks Shiraz, Agra

Respected President Com. Mihir Lokhandwala, my colleague office bearers, esteemed Central

Secretariat Members and honourable members of the National Executive. I extend a very warm

welcome to all of you for the first NEC meeting of the current term 2016-18. I extend a very

hearty welcome to all the leaders who have been elected/re-elected after the Federal Council

Meeting held at Chennai during February 2016. I also extend a very hearty welcome to the

Divisional Leaders who are attending the NEC meeting for the first time.

We express our sincere appreciations to the entire team of Agra Division under the able

leadership of Com. SANJEEV KUMAR SHARMA President and Com. ASHWANI KUMAR SHARMA

General Secretary, for giving their best of efforts in conducting this NEC meeting at Agra and for

the very warm hospitality extended during our short stay here.

Comrades the FCM meeting held at Chennai on 15th

-16th

February 2016 was historic and a

memorable one. It was very well organised and conducted in a best possible way that too in a

metropolitan city. We place our appreciations to the entire team Chennai for their exemplary

organising skills and for the conduct of the meeting. FCM, Chennai was also historic for the

unanimous elections which reflected the faith of the members on the leadership.

Homage & Tributes:

During the last few months many of great leaders and luminaries from various walks of life

breathed their last. Notable among them Com. Sushil Kumar Chakaraborty, former All India Joint

Secretary and Zonal Secretary EZ and Com.Krupakara, former Zonal President S.C.Zone.

After FCM 2016 cruel hands of death snatched away nine of our members from various divisions

due to illness. The contributions of all the departed souls are immense to the society at large and

also to National Federation. As a mark of respect and to pay tribute I request this august house

to kindly rise and observe two minutes silence.

National Federation bid farewell to our former All India President Com.Uttam Jagadhane who

retired from the services of the Corporation on 31.08.2016. It is needless to mention that Shri.

Uttam Jagadhane has served National Federation in various capacities and contributed

immensely for the welfare of our class and the Organisation. To honour the contributions to

National Federation and to the class of Development Officers, Pune Division I & II organised a

very grand farewell function at Pune on 02.09.2016 at Pune. Many veteran leaders attended the

function along with President Com. Mihir Lokhandhwala and the undersigned and praised rich

tributes to Com. UttamJi.

During the period under review Com. Sanjeev Mehrotra former Zonal Secretary, CZ retired from

the services of the Corporation on 31.03.2016 & Com. J.P.Singh former Zonal Secretary, NCZ

retired from the services of the Corporation on 28.02.2016 A felicitation function was arranged to

honour their contributions to National Federation.

Many members of NEC have also retired during the last few months across the country. On

behalf of National Federation, I wish all of them a very healthy and peaceful retired life.

Comrades, this NEC meeting is happening when our institution LIC of India has completed 60

years of illustrious existence since 1956. The management has decided to declare and celebrate

this year as a Diamond Jubilee year from 01.09.2016. The Finance Minister Shri.Arun Jaitley

inaugurated the Diamond Jubilee Celebrations of LIC of India. During his address he praised LIC of

India lavishly for its leadership position even in the competitive world. The Finance Minister said

in a competitive environment it was always the private sector which flourishes, as it is free from

bureaucratic controls and can take market centric decisions, whereas state enterprises are bound

by various processes and regulations. But LIC of India which began in a monopoly environment

stands as a shining example of a state institution standing up to competition. The Finance

Minister went on to say if LIC where a listed company it would be the most valuable company in

India and among the biggest in the world. Finance Minister also launched the new LIC Bima

Diamond Policy on the occasion.

While we agree on certain statements made by the Finance Minister, the major factor for LIC’s

sustenance in the top position and to reach great heights in highly competitive scenario, the

major credit should go to the lakhs of Agents and thousands of Development Officers who are

playing the role of a good will ambassador in the Field for many many years.

As far as the business figures of the Corporation for FY 2015-16 were concerned, LIC had negative

growth on many parameters. Since inception LIC never lost more than 4 lakh Agents by way of

termination in one Financial Year (i.e. 2015-16) which was the highest in its history. It was the

most dangerous indication for the Corporation. The market share of the Corporation for the last

Financial Year on NSP came down to 47.3% which was alarming not only for our class but for LIC

as a whole. Even on SP LIC showed a huge negative over the previous year. All the alternate

channels showed de-growth in all parameters. The primary reason for all this fiasco was

attributed to Government’s taxation on Insurance proceeds. Service Tax and lesser returns were

other major reasons Inspite of all these developments the share of business procured by Agents

of Development Officers (Tied Channel) remained more than 80% during 2015-16.

This year LIC of India is celebrating its Diamond Jubilee year and to commemorate this occasion,

LIC has fixed an ambitious target of 4 crore policies and 44 thousand crore total premium. During

the Diamond Jubilee year LIC also wants to capture 70% market share in NSP and more than 75%

on Individual First Premium segment. LIC is planning to sell one core Bima Diamond Policies

before 31.03.2017 and also wants to ensure net addition of two lakhs new Agents during the

current financial year.

During the month of June 2016 our Chairman Shri. S.K. Roy has tendered his resignation and

requested Government of India to relieve him from the services. Shri S.K. Roy has resigned two

years before his term ends. He took over as Chairman of LIC during June 2013 and had a full five

year term. The reason for his resignation is not known.

Organisation information:

Friends, the financial discipline in as essential life line for any organisations and those who are

maintaining this are men honour; our entire western zone has deposited the wage levy well in

time. Our various divisions of all over India also deposited the same. Kudos to all of them. Some

of our divisions like SHAHDOL, BURDWAN, KSD, ALIGARH, BANGALORE II, KARIM NAGAR,

VISAKHAPATNAM, SHIMOGA, KOZHIKODE, AHMEDABAD, Mumbai-1, Mumbai-2 & VADODARA

are excellently maintaining this financial discipline & they are declared totally dues free divisions

in the list provided along with. I appeal this august house to appreciate their Excellency with a

loud applause

Discussion on 19-03-2016 at Yogkshema.

After FCM – Chennai, NF discussed issue of IB scheme with CO. MD, ED-Mktg, Chief (Mktg),

Secretary (Mktg) and other officials of Mktg. Dept participated during the discussions.

Management gave a presentation on the proposed amendment in the IB Scheme. NF

categorically stated that any amendment without changes on Gradation, Lapsation, Marketing

expenses & Basic IB is not acceptable & gave suggestions on the scheme. Management assured to

look into the same & invite NF soon after examining our concerns.

Issue of adverse impact due to costing of arrears was also taken up by CF with the Management.

As far as negative impact due to recovery by reopening of appraisal was concerned, Management

demanded concrete cases {specific examples) where IB is recovered more than the arrears paid

(from 1.4.2015 to 31-2.2105).

We are very happy that an historical circular issued by CO giving relief to all the Development

Officers (affected due to the recent wage revision arrears) for whom penalties viz., Termination,

Stagnation Increment, Promotions & eligibility for Vehicle Advances were imposed as per the

service rules. This circular is a very significant achievement and breakthrough for National

Federation.

The first meeting of full team of office bearers with the Management after the FCM Chennai

was on 16th

May 2016. NF placed all the pending issues before the Management especially the

long pending modifications in the GOIB scheme, MBG etc., The Management response on the

GOIB was not satisfactory. The demands of NF for structural changes viz., removal; of Gradation,

lapsation & reimbursement of Marketing expenses was not addressed.

The first Central Secretariat Meeting, after the Chennai FCM was held at Mumbai the next day

of the meeting with the Management i.e on 17.5.2016. The CS Meeting was for three days to

discuss all the important & vital issues of our class and take decisions to enable the Organisation

to move forward.

In the CS Meeting, Secretary General Com. Vivek Singh informed the house about the elaborate

agenda which was circulated well in advance to all the CS members. SG narrated the details of

the discussions held at Central office on 16.5.16 (the previous day). On the issue of GOIB, SG

informed that the management was very adamant and did not agree on any structural changes,

viz removal of gradation, lapsation and introduction of marketing expenses, instead proposed

delinking of basic IB from Additional IB. SG informed that NF very strongly insisted that maximum

number of Development officers should come under the frame work of GOIB Scheme especially

for achieving the ambitious target of the Corporation in the Diamond Jubilee Year.

During the discussion NF demanded removal of gradation, second year lapsation and insisted for

marketing expenses. Management offered rural credit (50 agents or 30 agents whichever is

lower), removal of growth element were the only major relief in the proposal. SG placed the

sample case studies of few appraisals were even after giving 1.2 Crores premium and having cost

ratio around 9-10%, Development Officers were not eligible for IB and informed the Management

that only around 3000 Development Officers are getting IB. Here I would Like to place on the

record that inspite of my asking for the appraisal sheets of such Development Officers from all

the Divisions, with great difficulties we could collect only 50 cases from our members across the

country.

All CS members spoke at length in detail on the subject and insisted SG, not to accept the

proposal by the management without any structural changes (Changes in gradation, lapsation

and inclusion of marketing expenses) and reposed full faith on the leadership. SG assured the

house that he will speak to Chairman in this regard.

SG further informed that already NF has circulated the proposed scheme of the Management to

all the CS Members much in advance. SG said that the scheme is not accepted by NF and once

the Management notified the scheme the organization shall conduct a lunch hour demonstration

and submit a memorandum at all level. In addition SG assured that he will have a one to one

discussion with the Chairman and shall also write in depth to the management demanding

structural changes in the scheme. He informed that NF has demanded life plus facility (Premium

Point) to all Development Officers.

SG has informed that MBG may be notified shortly. He further stated that pension to

Development officers terminated under work norm was strongly placed before the

Management& pursued along with other issues. SG said constitutional amendments are

necessary on many areas and it should be proposed & placed before the next NEC. On the issue

of CLIA SG expressed his concern and was worried on the increasing number of CLIA and

appointment of agents under CLIA. The issue of court case on the issue of CLIA at Gwalior was

also discussed. He emphasized that some strategy to be adopted to curtail the increase of CLIA.

On behalf of the Organising Committee, the audited accounts of the FCM-Chennai were

submitted by Com.S. Anand, (Convener-FCM-Chennai) to the house and the same was accepted

by the house. SG appreciated the efforts of South Zone Federation/Chennai Division 1&2 for

speedy submission of accounts of FCM-Chennai.

On the next agenda of Charter of Demands for the ensuing Wage Revision 2017, SG wanted the

organization to be prepared on the issue well in advance. He suggested that under Com.

GautamSen Gupta, Com. S. Anand, Com. VinayBabu shall be the part of Charter of Demands

committee and submit their report. SG also proposed a Constitution Amendment Committee

under of AIJS Com. S. Anand as Convener and Com. Sanjeev Gupta, Com. S.B. Ray, Com. Vinay

Babu, Com. Prabhat, Com. Avinish Jain, Com. K.B. Rajendran, Com. Deepak Waghela shall form

part of the Committee. The Committee is advised to submit the recommendations at the earliest.

On the issue of defamation cases filed against former All India President, Sec. General and R S

Mumbai by R. Jayprakash, SG informed the house that majority of CS members are for filing a

counter case against him. He said Com Babu Rajan has also filed a case against SG. SG also

informed that NFIFWI has deputed Com. T. J. John (member of Trivandrum Division) as a Power of

Attorney to handle all these cases at Trivandrum. He also emphasized that Trivandrum Division

should implement the decisions of FCM Chennai and failing to do so Zone & Central federation

will have to intervene to ensure that federal Council Decision is implemented in toto.

SG suggested a team for RTI and IT/Actuarial matters should be formed at CS level. On the

pending issues of levy collection and other pending collections, he said that it has to be settled to

NF at the earliest as the available subscription collection will not be enough to run the

Organisation. Members raised the issue of disbursement of J & K Relief Fund which was collected

by Central Federation. Members expressed concern that an amount of 25 lakhs which was

collected for J & K Relief is still not distributed even after 2 years. Few CS members requested SG

to refund the amount to the respective Divisions. Many other options were also discussed in the

meeting. The decision on this issue shall be taken at the next NEC. Regarding Chennai Flood

Relief, it was already informed in the CS meeting Chennai, that an amount around 3 lakhs was

collected till that time. The South Zone Federation is waiting for the details of the affected

members from Chennai I & II and Vellore Division for disbursement.

It was informed that few Divisions have not paid Subscription, levy and other dues for many

years. Many members suggested that the names of those Divisions should be published in the

News Bulletin. It was also suggested that the Divisions which has long pending arrears shall not be

allowed to represent in the NEC.

SG informed that NF will represent to Mgmt to increase the Group Insurance cover to Rs. 50

lakhs, as housing loan limit has been raised. SG informed the house that during the ICC meeting

held on 16th May 2016, The house discussed all the matter threadbare and asked SG to decide

on the matter.

The following decisions have been taken by the CS meeting at Mumbai:

New IB Scheme- President and Zonal secretary of every Zonal Unit will meet their respective ZM

before next CMC meeting scheduled on 6th June to appraise him about our expectation on new

IB Scheme. A key note on new IB scheme with the copy of some settled appraisals should be

handed over to the ZM as example to make him aware about genuineness of the issue.

In case the management notified the proposal which was placed before us on 16th May, without

bringing any changes, a lunch hour protest demonstration programme will be held at every

Branch, Division, Zonal Offices and also at Central Office on a particular date finalised later,

followed by submission of a memorandum to Chairman. It was further decided that NF will not

launch any further agitation programme on this issue except advising our membership to focus

on NSP only.

Service Tax on Insurance Premium & others: A mass signature campaign cum awareness

programme will be conducted under the banner of NF with the help of our agent friends to

educate the common people against the ill effect of imposition of service tax on insurance

premium, IMF, Online Marketing and Report of Sumit of Sumit Bose Committee. Some group

meeting of agents also to be organized to make our mass signature cum awareness programme

successful.

IRDA Examination Centre-

The Divisional Secretary of all the Divisions should approach the local MP and request him to

write a letter to the Chairman IRDA for opening of an examination centre at the area specified by

the Div. Secretary.

New Charter committee for drafting our next Charter of Demands to be placed in

2017:Chairman- Com. GautamSengupta, ZP/EZ, S. Anand, AIJS, Sanjeev Kumar Gupta, AIVP

M.VinayBabu, ZS/SCZ, S.B.Ray, ZS/EZ,.

Committee for Constitutional Amendment: Convener- S. Anand, AIJS, M. VinayBabu,ZS/SCZ,

S.B.Ray, ZS/EZ, Deepak Waghela, ZP/WZ, Lalit Dixit, ZS/CZ, P.K. Srivastava, ZS/NCZ,T.P.

Mahapatra, ZP/ECZ, K.B. Rajendran ZP/SZ R. K. Gupta, AIRS (Delhi), D.P. Yadav, AIRS(Mumbai).

Committee on legal matters: The committee formed earlier will start their work under

convenorship of S. Anand. The committee will take legal opinion on our Workman’s status, CLIA

scheme and speedy disposal/withdrawal of court case at Jabalpur High Court on Spouse agency

etc.

Sub- committees for handling actuarial issues, I.T. related issues and RTI issues: M. VinayBabu,

ZS/SCZ, S.B.Ray, ZS/EZ, DeepakWaghela, ZP/WZ will be the member of this committee to handle

the issues more speedily and effectively.

Effective communication: Onward communication through broadcast list in whats app can be

done for cost effective and fast communication. All Zonal Secretaries will include President & SG

in their group mailing list (sms, email, whats app broadcast list etc). Similarly every Divisional

secretary will include their respective ZP & ZS in their group mailing list and in turn every Branch

Secretary will include their respective Divisional President & Secretary

in their group mailing list to ensure effective, fool proof and on time communication at every

level.

Payment of levy: No part payment will be received. Every Branch/Division will have to pay their

full amount of levy to their higher forum along with the detailed list of members including their

respective date of joining in service as PDO.

J & K relief fund: The entire fund collected for J & K Relief Fund has to be transferred to Central

Federation immediately. The next CS/NEC will decide about utilisation/disbursement of the fund.

Delegate fee for NEC: Henceforth, every division has to pay the delegate fee for two NEC

members. Registration of the division in NEC will be done on receipt of delegate fee of two

members only. It has also decided that All India Due list will be published in News Bulletin for

information and knowledge of all members. All efforts will be taken to make all the division

dues free before next NEC. It has further decided hence forth, the NEC members from

defaulters division will not be allowed to address the house.

News Bulletin: As regular publication of News Bulletin has already been initiated from April

2016, the subscription for New Bulletin has to be paid @Rs. 90/- per member w.e.f. 2016-17.

Except News Bulletin, no dues will be waived.

Notification of GOIB Scheme 2015.

Management went ahead in notifying the GOIB scheme 2015 without any changes in Gradation &

lapsation. NF had registered its vehement protest against notification of GOIBS 2015 by calling a

lunch hour demonstration programme at all Branches, Divisional Offices, Zonal Offices and even

Central Office on 27th May 2016 followed by a submission of memorandum to the Chairman. I

would like to complement all the Zones & Divisions across the country for carrying out lunch hour

demonstrations in large numbers.

Discussion on 25th of June 2016 at Yogkshema.

As a immediate result of strong protest of NFIFWI after notification of IB Scheme and one to one

discussion of SG with Chairman LIC on 17/06/2016, NF was called for a discussion on 25th of June

2016 at Yogakshema. President, SG, AIJS S. Anand, Sumit B. Ray ZS-EZ & Vinay Babu ZS-SZ

represented NF.

NF strongly placed the need for removal of Gradation, lapsation& demanded for marketing

expenses. Many case studies of appraisals upto 1.2 Crores premium & nil IB were presented

before the Mgmt. NF placed pertinent views on all the points of GOIBS 2015 and reiterated that

Development Officers will not be motivated by the said scheme unless there are structural

changes of Gradation, Lapsation, Marketing Expenses etc.

We informed that the GOIBS 2015 which has been given with retrospective effect would result in

huge recoveries, from maximum D.O’s, on parameters which have been either deleted or

modified in the GOIBS 2015, when compared to GOIBS 2011.

NF insisted that the recovery, consequent to the notification of GOIB 2015 should not be made &

instructions be issued accordingly. The GOIBS 2015 was made effective from 1.9.2014 onwards.

However, the GOIB 2011 was extended for one year from 1.9.2014 to 31.8.2015.

The ED(M), Chief & other marketing officials present in the discussions assured to take up the

issue with Top Mgmt & requested for some time to modify the already notified GOIBS 2015.

Option to opt for GOIB 2011 OR 2015

Consequent to our discussions held with the Management at C.O on 25th June regarding GOIB,

and as already informed to all the members, a circular was issued by Mgmt. giving option to the

Development Officers. Development Officers were allowed to give an option in writing

expressing his/her option to be governed either by the provisions of GOIB 2011 or GOIB 2015

for the appraisals commencing from 1.09.2014 to 1.8.2015 (appraisals ending on 31.8.2015 to

31.7.2016 respectively). If the option is not exercised by the D.O it will be deemed that the

appraisal of the aforesaid relevant period will be governed by GOIB-2015.

We requested all the members to be VERY CAUTIOUS while exercising the option. We had

observed that some of the Development Officers who were non I.B earners in GOIB 2011 in spite

of bringing more than one crore premium may get a few thousand rupees in the GOIBS 2015.

Notification of LIC Associate Scheme: C.O. has notified a scheme for the retiring SBA i.e. LIC

Associate Scheme (LICA) i.e. 1st April 2016. Basically this scheme is to felicitate SBA after their

retirement from service to nurture their existing organization and recruitment of new agents

initially for a period of three years and subsequently by giving extension up to maximum five

years by paying some office maintenance allowance for running Life Plus, transaction fees,

productivity incentives, allowances for sponsoring new agents etc. subject to fulfilment of certain

conditions.

At present, total number of SBA has come down from its peak (4564) to 1411 and it is expected to

reach below 600 by the end of current fiscal. Large number of Development officers are retiring

in near future. As mentioned in the circular, we are expecting the scheme to be extended to

Development Officers too.

Conveyance Allowance will be paid to Development Officers who are Non-Incentive earners.

Enhanced Conveyance Allowance will be paid to Development Officers who are Non-Incentive

earners at the rate of Rs.1800/- per month for D.O’s without fast Conveyance and Rs. 2000/- per

month for D.O’s with fast Conveyance. This enhanced Conveyance Allowance will be paid in the

first year even if there is no net addition of 3 agents. It has been brought to our notice that the

conveyance allowance is denied citing net addition of 3 agents, which is wrong. It is clarified that

the net addition of 3 agents is not required in the first year of payment of Enhanced Conveyance

Allowance.

Discussions at C.O on 3.8.2016- The NFIFWI Committee on Underwriting/Actuarial had its

scheduled meeting with the E.D (Actl) on 3.8.2016. NFIFWI was represented by President Sri.

Mihir Lokhandwala, S.G Sri. Vivek Singh, R.Sec (Mumbai) Sri. Dhananjay Yadav, Z.Sec, S.C. Zone

Sri. VinayBabu, and. The meeting is first of its kind where the NFIFWI met the E.D (Actl) and

discussed on actuarial points. We utilized the opportunity and the management gave a patient

hearing to all the points raised by the NFIFWI and assured that the points will be addressed with a

positive mind. We had raised points relating to increase in the Non Medical Limits/Rules, Change

in female lives categorization, Minor lives insurance, Major Children, Changes in the Special

reports chart, TPA problems, NRI Business, NRI Questionnaire, PFQ limits, Special MHR Limits,

Financial underwriting limits, Common proposal forms and Policy Bond, Underwriting decision to

be for maximum S.A than that proposed, Subsequent proposal within 1 year and many more. We

are assured of positive response for the points raised. We are hopeful that the management will

consider the view points of the NFIFWI and expect that in the Diamond Jubilee year management

will bring some “DRASTIC CHANGES’ in the underwriting rules, which will help the field force.

Later, we met E.D (CRM) Sri.K.Ganesh and represented 53 points related to the CRM department.

We raised about the revival issues, Special Revivial Scheme to all plans, Mobile app for customer

complaints and servicing, KYC norms, continuation of deduction even after ECS Dishonour, Policy

Servicing at SSO, Due list and lapse list to agents and D.O’s, Change of Plan from JeevanSaral to

Endowment, S.B payments, NEFT problems, Anywhere revival, Credit Card payments etc.

We express our sincere appreciation to the LIC Management and look forward for more such

opportunities, to continue to share our difficulties/problems for finding positive solutions and

thereby contributing to the overall growth of our mighty organization, LIC.

President, Sec.General& Resident Secretary had meeting with Managing Director, E.D(Mktg)

Secretary (Mktg) and discussed about the modifications to the GOIB Scheme. We had also

discussed some of the pending issues, and sought clarification on treating of the number of

occasion as per the waiver given for Imposition of Disincentives/Termination under work norms

after reopening of the completed appraisals, due to wage revision, Extension of Relaxation in

ceiling on number of RCA’s & CCA’s, Increase of stipend to RCA’s & CCA’s with 100% credit of

CCA’s to D.O’s, P.C at SSO on Top priority, Definition of H.Q for recruitment of agents after the

division area is opened for D.O’s, Reimbursement of Insurance and Road Tax after the repayment

of the vehicle loan, Submission of Business in any branch, if the area of operation is having more

than one branch, etc. We are hopeful that all the above issues will be addressed to our

satisfaction.

Equitable Relief for Retiring Development Officers: - During the last wage revision the problem

of Equitable relief for retiring development officers was strongly taken up by the S.C.Zone, but

could not succeed. The entire wage arrears were added to the cost of D.O’s who were retiring

within one/two years after the notification. During this wage revision the matter was taken up

along with the other issues related to wage revision and could successfully convince the

management to issue a favourable circular. The injustice meted to the retiring development

officers during the few last wage revisions, had been rectified during this wage revision. In case of

those retiring D.O’s having only one/two full appraisal years, Equitable relief paid for respective

financial year will only form part of the annual remuneration and not the full three years. it is

clarified that those retiring Development Officers who are not having one full appraisal year after

the date of notification (14.1.2016), the entire amount due to such D.O’s shall be paid and will

not form part of annual remuneration for the purpose of cost norms. The entire wage arrears

were made cost free for such D.O’s.

Group Mediclaim Scheme-2016-17:

As per C.O. Circular dated 16th April 2016 under Ref: CO/PER/ER- A/24/2016, the Group

Mediclaim Policy for the employees of the Corporation has been renewed with some added

facilities like inclusion of two more slab of Rs. 25 Lac &Rs. 30 lac as optional family floater,

payment of Registration/Admission charges and service taxes/surcharges, payment of expenses

in respect of the claim relating to physiotherapy subject to maximum Rs. 30,000/- per person per

year, payment of Biopsy test charge without hospitalization up to Rs. 4,000/-, payment of PET

scan without hospitalization subject to maximum 15,000/- per insured, payment of Age Related

Macular Degeneration (ARMD) and/or treatment for retinal disease by intravitereal/intraocular

injection/intervention subject to maximum of Rs.25000/- per eye, payment towards Robotic

surgery for Malignant Cancer/Cancer, Brain and Spine, payment towards artificial limb except the

Robotic limb, payment of treatment cost for Thalessima, Haemophilia, sickle Cell anaemia,

Myeloma etc. Maximum Payment towards ambulance charges for hospitalization has also been

enhanced to Rs 5,000/-. In a nut shell, our present Mediclaim Scheme with cash less facility is

catering more or less 100% of our medical expenses. However, we are getting information that

some private hospitals in connivance with the TPA are charging huge amount towards

disposables and non-covering items which some time exceeding 15% to 20% of the total bill of

the hospital. We require copy of some sample cases to take up the issue with the highest level of

LIC & IRDA to stop this kind of malpractices.

Revision in Housing Loan Scheme: As per C.O. Circular dated 26th April 2016 under Ref:

CO/PER/ER- A/127/2016, the quantum of Housing loan has been revised w.e.f. 1st April 2016.

Now onwards, our Development Officers are eligible for total Rs. 50 lac (Rs. 21.25 as cadre loan

@5% &Rs. 28.75 as extended cadre loan @8.5%) towards housing loan. The existing extended

cadre loan as on 31st March 2016 will also be converted to cadre loan from 1st April 2016 subject

to maximum ceiling of cadre loan.

Some important circular issued by CO on other aspects: During the period under review, the

management has also issued important some circulars. These are as follows:

(1) Maximum limit for re-imbursement of Brief case has been enhanced to Rs. 2500/- vide C.O.

Circular Ref: Mktg/ZD/12/2016 dated 14/5/2016,

(2) Payment of difference of PLLI paid for the FY 2013-14 as per revised definition vide Circular

Ref: CO/PER/ER- A/122/2016 dated 16/3/2016,

(3) LTC- payment of tickets purchase through on line & payment of toll tax when travelled by car

vide Circular Ref: CO/PER/ER-A/118/2016 dated 22/2/2016 (4) CO has deferred the 5% escalation

clause for new entry/continuation of club membership of agents by one more year vide circular

dated 6/6/2016 under Ref: Mktg/A/21 (R).

5) Quantum of Festival advance has been enhanced to Rs. 26,000/- for our class vide Circular Ref:

CO/PER/ER-A/ASP/2016 dated 1/4/2016,

(6)Maximum amount of Accident Benefit Sum Assured has been extended to Rs. 1 crore vide

Circular Ref: CO/PD/79 dated 4/1/2016,

(As per circular dated 20/4/2016 under Ref: PER/ER-A/126/2016, henceforth in case of any direct

letter/complain to Chairman/MD/ZM or any higher official or to Government will be viewed very

seriously and disciplinary action will be initiated as per Staff Regulation 1960.

Other pending issues before the management: The NF leadership is continuously persuing with

the management on following issues for solutions: (1) Review of allotment circular, particularly

removal of “Net addition” condition permanently.

(2) Circular allowing credit of business deposited within the common operational area

(3) P.C. for all Dev Officers at Branches/SO’s

(4) Supply of complementary copy of our house magazine Yogakshema to all Dev Officers

(5) CLIA’s spouse agency.

(6) Supply of Mobile handset to Dev.Officer’s like Class-I Officers

(7) Waiving of interest towards low cost car advance,

(8) Relaxation on eligibility criteria for promotion to the cadre of ABM(s) etc.

By the time, CO has formed one committee to suggest about the ways and means on our long

pending demand of area opening vis-a-vis business credit of visiting agent. On receipt of the

satisfactory report from the committee, the CO may release the circular.

On the contrary, based on a writ petition filed by an FSE at Madurai Bench of Madras High Court,

interim injunction on notification of promotion to the cadre of ABM(S) was allowed earlier has

already been vacated on 21/6/2016. Subsequently notification on ABM(S) promotion from

Development Officer Class has been issued by Management.

Federal Council Meeting at Chennai and thereafter:

The XXVII Federal Council Meet of NFIFWI was held at Chennai on 15th & 16th February 2016

under the auspices of Southern Zone. Chennai Federal Council Meet was no doubt very successful

in terms of presence of huge number delegates and observers (approx 3200) throughout the

length & breadth of the country. The arrangements, the inaugural function and especially the

venue (Chennai Trade Centre) were grandeur.

Secretary General placed a very exhaustive & detailed report before the house for their

discussion and adoption. Total 128 speakers participated in the discussion on Secretary General’s

report/Open forum and expressed their views on Secretary’s report and all our major issues.

After, summing up by the Secretary General, the house accepted the report without any

amendment. The house also unanimously passed the Receipts & Payment Accounts without any

amendment. A postal stamp in the honour of Com. GVS Mani former Secretary General was

released by the Chief Guest Sri KiritSomaiya, MP. A colourful directory of NEC members has been

published during FCM meet. The august house also witnessed the addressed by galaxy of veteran

leaders & prominent MP’s.

For the first time in the history of last 2/3 decades, the house unanimously elected the following

team of office bearers for the term 2016-18.

President: Com. M.S. Lokhandwala, Western Zone

Vice President: Com. Sanjeev Kumar Gupta, Northern Zone

Secretary General: Com. Vivek Singh, North Central Zone

Joint Secretary: Com. S. Anand, Southern Zone

Joint Secretary: Com. Arun Kumar, east Central Zone

Resident Secretary ( (Delhi): Com. Rajesh Gupta, Northern Zone

Resident Secretary (Mumbai) Com. D.P. Yadav, western Zone

Resident Secretary (IRDA): Com. C. MangapathiRao, South Central Zone

Treasurer Com. R. K. Tripathi, North Central Zone.

NEC & CS Meeting: During the period under review one NEC Meeting was held at Chennai on

14th February 2016. Apart from approving the Secretary General’s Report & Audited statement

of accounts for placing before the FCM, the NEC/Chennai also ratified the decision of CS-Mumbai

on collection of levy on for recent wage revision @ Rs. 3000/-, Rs. 2000/- &Rs. 1000/- based on

the seniority in service as on 31st December 2015.

C.S. Meetings was also held on 13th February 2016 at Chennai before NEC & FCM. The CS

meeting held at Chennai passed the SG’s Report & Accounts and also discussed in detail about

smooth conduct of FCM.

The following Resolutions were passed unanimously by the XXVII Federal Council Meeting of

NFIFWI held at Chennai on 15th

& 16th

February 2016.

� No appraisal of Development Officer should be re-opened in order to adjust the arrears

amount paid (consequent to the Wage Revision) after 01.04.2016.

� 30% of the enhanced wages (post Wage Revision) paid for the period from 01.04.2015 to

31.03.2016 should be taken for the appraisals commencing after the date of Wage revision.

� 100% credit for premium should be given to all conventional policies (irrespective of the

term of the policy) and also for single premium policies for Development Officer for the

purpose of calculation of cost.

� The new IB scheme to be introduced, should take into fold maximum number of

Development Officers. Removal of 2nd

year lapsation and graded credit system in the

scheme and introduction of Additional Conveyance allowance and payment of marketing

expense.

� The entire house vehemently protested and expressed anguish for the decision of the

Corporation to introduce e-policies of Life Insurance Product.

� The house has decided that, in future any such competition of unit meeting if introduced

by the Corporation, no member of the National Federation shall participate in the same.

� FCM ratifies the suspension action of Sri R. Jayprakash and unanimously resolved to expel

him from the basic membership of NFIFWI for his willful refusal to handover all the

important & vital documents of the Organization, non compliance of the organizational

directives/decision and for his continuous anti Federation activities.

The action of Sri R. Jayprakash for barging inside the FCM hall in spite of his suspension

from the membership of NFIFWI and creating pandemonium and for disturbing the

proceedings of the FCM meeting held at Chennai. The house resolved to explore all legal

possibilities to recover the property of NFIFWI from the EX- Secy General Sri R. Jayprakash.

The House also resolved to pursue all legal remedies to establish & protect the interest of

the National Federation & its Leadership at all levels.

The entire house gave a standing ovation to Team Chennai for the excellent

arrangements of the FCM Chennai.

Agents Allotment-Relaxation of Net Addition Condition:-

On the request of National Federation C.O. had relaxed the condition of net addition of agents,

vide CO Circular Mktg/ZD/2015 dated 22.06.2015 for allotment of agents to confirmed Dev

officers. “Allotable Agents after allotment to PDOs (agents becoming direct due to the exit of the

Apprentice Dev Officers and Probationary Dev Officers will be allotted to PDOs subject to a

maximum of 5 agents per PDOs) and other allotable agent will be allotted to confirmed Dev

Officers provided there are minimum 15 agents in his organization as at the end of the last

completed financial year (1st

April 2014 to 31st

March 2015) i.e. the condition of net addition 1

agent shall not be mandatory. After proper follow up by our central leadership C.O. has issued

circular dated 02.08.2016 under ref:-Mktg/ZD/28/2016 rules on allotment of agents to

Development Officers- relaxation in the condition of net addition of agents. This relaxation will be

applicable for the financial year 2016-17 only.

RLC:-15th July 2016:- The RLC meeting was held on 15.07.2016 at Cochin. President, Secretary

General, Com.S. Anand AIJS, ZP &ZS (South Zone) attended the meeting. RM (P&IR) (South Zone

represented the Management. RLC wanted to know the current position and Management

representative informed that Special Rules issue was sorted out and GOI has notified the same.

He also informed that Management is discussing all the relevant matters with National

Federation and shall continue to hold discussions with NF. NF informed RLC that special rules

have been notified by GOI, but certain issues are still pending. NF insisted that the talks with the

Management should continue on other issues raised viz., marketing expenses for procurement of

business, pension to Dos terminated due to work norms and automatic absorption to cl III. RLC

said the issue is discussed for a long time and cannot continue for more time. She insisted that

Management should have discussions with the NF and settle the issues soon. Management

representative agreed for the same. RLC also informed that, for any further arbitration, National

Federation can represent CLC any time.

Reinstatement of Agency in the 6th

Agency year:-

C.O. has issued the Circular dated 31.03.2016 under Ref: Mktg/ZD/07/2016 that deserving 1st

termination cases may be allowed in the 6th

agency year if it comes for reinstatement beyond 12

months but within 24 months from the date of termination on the same line as reinstatement in

5th

agency year.

RCA’s & CCA’s with 100% credit

As already informed to you vide N.F letter Sec.Gen/11/16-18 that N.F had demanded for increase

in stipend for RCA’s & CCA’s with 100% credit of CCA’s to D.O’s. We are happy to inform that our

long pending demand has been accepted and C.O had issued circular Ref/Mktg./ZD/ 31/2016

Dt.22.08.2016 and Ref/Mktg./ZD/ 32/2016 Dt.22.08.2016 enhancing stipend for RCA’s and CCA’s

respectively. The revised monthly stipend of CCA’s (for new and existing ones with effect from

1.9.2016) shall be Category I cities Rs.7000 p.m and other cities Rs.6000 p.m. A PDO/CDO can

recruit Stipendiary Agents equivalent to 25% of their total number of agents in his agency

organization subject to maximum of 20 agents.

Development Officers will get full credit of the business booked by the CCA’s provided the CCA

earns stipend for all the twelve months. The revised monthly stipend of RCA’s (for new and

existing ones with effect from 1.9.2016) shall be 1st year Rs.5000 p.m and 2nd year Rs.4000 p.m.

An ADO/PDO/CDO can recruit Stipendiary Agents equivalent to 25% of their total number of

agents in his agency organization subject to a maximum of 20 Agents. The cut-off date for

deciding total number of agents shall be taken as the last day of the previous month.

Qualification for Agency was also made as X std or its equivalent whether it is rural or urban. It is

a very useful change which gives our members in urban areas an opportunity to recruit agents

with X std qualification.

MBG:-

LIC has issued circular regarding Board Approved Policy on Agency Matters 2016-17.

Cir.CO/Mktg./A/ZD/33/2016 Dt.22.8.2016. The MBG condition is as already informed by the

NFIFWI. Rs.1 Lakh premium or 12 Lives or 6 Lives and Rs.50000 premium. The stiff MBG

conditions were introduced in the year 2008. Lakhs of Agents were terminated since then.

Revision of MBG conditions was very vital to the Organisation. It was such an important issue as

modification of Special Rules. NF was very strongly pursuing the matter at all forums, viz

Management, IRDA and Government. It was one of the primary agenda during all discussions. The

circular on revision of MBG will be a great relief to our members. It is very significant

achievement of the Organisation.

Organisation Round-Up: - The Office bearers of Central Federation after the FCM Chennai have

attended & addressed many Organisational events. President Com. Mihir Lokhandwala has

attended many General Body of various Divisions across the Country. Secretary General apart

from consistent visit to CO, have attended many General Body Meetings and trade union

workshops of Divisions. The other All India office bearers have also attended the General Body,

Trade union work shop of many Divisions of their respective Zones and addressed the members.

In response to the call given by the Central federation and to express our deep sense of anguish &

dissatisfaction regarding notification of GOIBS 2015, comrades participated in the lunchtime

demonstration program at every Branch/Divisional/Zonal headquarters including Central Office

Mumbai on 25th of May 2016 & submitted the memorandum addressed to Chairman.

NF salutes all its Members/Branch/Divisional/Zonal/Central Office Bearers for their efforts,

support, and commitment to make this program a grand successful one. Salute to you all for your

loyalty towards the organisation.

Organisation discipline: - In the recently held Zonal Executive Meeting of South Zone held at

Yercaud (Salem) on 27-28 July 2016, the leadership of Trivandrum Divisional Association has been

disassociated from National Federation. The decision was taken after the Divisional President &

General Secretary of Trivandrum Division walked out of the meeting without giving written

assurance to the Zonal Federation that the Trivandrum leadership will withdraw the court case

filed against the Organisation (National Federation). The Divisional leadership was continuously

inviting Mr. R. Jayprakash to all the Organisation events & functions including NF trust meeting.

Com. Babu Rajan has filed a petition not only against NF, but also against SG. In spite of

apologising to the NEC for filing a petition to RLC, Trivandrum, Com Babu Rajan on behalf of

Trivandrum Division has once again filed a petition to RLC, Cochin. Earlier Com Babu Rajan filed

an RTI petition to LIC Management to confirm the presence of Chairman in the NF meeting. South

Zone Federation in the ZEC meeting wanted a written assurance from Com. Babu Rajan that he

shall not indulge in these types of activities further. Both the Division President & Secretary

walked out of the ZEC meeting without giving a written assurance. Hence the ZEC took a decision

to disassociate Trivandrum Division leadership with immediate effect and sent an intimation to

Central Federation. (Copy Enclosed) Based on the decision taken by ZEC (SZ) the undersigned

informed the current leadership of Trivandrum Division that it cannot participate in the NEC

meeting.

All the steps were taken only to ensure that Trivandrum Division adheres to the Organisation

discipline and does not indulge in any activity which is against the directives of the Organisation.

But the leadership of Trivandrum Division continued to indulge in many anti Organisational

activity even after the ZEC (SZ) direction. Mr. R. Jayprakash (expelled member) was allowed to

issue a notice on behalf of the NF trust of Trivandrum to all the trustees or Board members what

so ever. When the issue was raised by certain members, Com.Babu Rajan informed that Mr. R.

Jayprakash continues to be the member of NF. He continues to wilfully & habitually misguide the

members of Trivandrum Division against the higher leadership. He continues to be the admin of

many social media groups which has many non members of NF and postings abusing the

Organisation, its achievements and the leadership. The communication of the SG or the ZS is not

communicated to the grass root members in particular.

The Organisation which has around 20000 thousand Development Officers and 114 Division is

paramount. A single Division leadership cannot hijack the Organisation. The members of

Trivandrum Division are deprived from truth full messages and misguided thoroughly. The

Organisation cannot merely & mutely watch the happenings at Trivandrum Division. The

interests of the members of Trivandrum Division should be safe guarded & protected. Based on

the decision of ZEC(SZ) and based on the subsequent anti Organisation activity of the leadership

of Trivandrum, as per the section 16 C (i) of the constitution it is proposed to the NEC (as per

section 13 B (ii) ) that the current Division Leadership Com Sajila Krishnan, President & Com Babu

Rajan General Secretary, Trivandrum Division are hence forth derecognised to act as President &

General Secretary with immediate effect as per the provision of section 13 B (v) of our

constitution. .

It has also come to our notice that in few Divisions, certain members have approached court of

law against the show cause notice issued by the Management for termination under work norms.

Few members who have approached court of law against their termination have fought

Organisation elections in some Divisions. It is hereby proposed that no member who has

approached court of law on their own, especially on the issue of termination under work norms

shall not be eligible to contest organisational elections and shall not continue in any

Organisational Posts.

News Bulletin: - The Central Federation has started sending the hard copy of NEWS BULLETIN

after FCM Chennai. The credit goes to Com. MihirLokhandwala President. It was due to his effort

the News Bulletin is printed and published from Mumbai. We have also started procedure to

Register the same with the Postal Authority. It is lengthy & tedious procedure. Procedure may

take another 3 months to get approval from postal authorities. Once the approval is received, we

will be able to send News Bulleting directly to the members. At present the copies are sent to the

Divisional Secretaries through courier & the will sent to the members. In the meantime all the

Division Secretaries are appealed to update the mailing list of their members.

Comrades, after take over charge as Secretary General at Indore, my priority was to be function

collectively & share the responsibility of work and accomplishments. Since Indore FCM, the

Organisation has moved forward in many critical areas which affected our working conditions.

We were able to achieve breakthrough in 1) Special Rules Modification a) 38%to 50% b) 2 years

to 3 years c) Relaxation & expansion in dis-incentive table 4) Concession for higher ages. II) In

Wage Revision a) 70% arrears exemption from cost b) Non-inclusion of arrears for termination &

Disincentive c) Stagnation Increment d)ABM(S) promotion d) Car Advance e) Relaxation in

costing for retirees f) Increase in RMES & Housing Loan. III) Relaxation In MAB conditions for

Agents which was introduced in 2008 IV) X std Qualification for Agency across the country (after

16 years) V) 100% credit & increase of stipend for RCA &CCA with increased percentage from 4 to

20 Agents. VI) Many circulars such as allotment of Agents without insistence of net agents and

much more.

After attending the Retirement function of our former President Com UttamJagadhane, I visited

central Office and met our Chairman and had a detailed discussion. Along with President & RS

(Mumbai) I had discussions on all our issues with MD, ED (Mktg) & the Secretary of Marketing

Department.

We are hopeful that with our regular follow up and consistent approach we will be able to

achieve many more breakthroughs for our members.

Once again I whole heartedly welcome you for the NEC meeting and I wish that the deliberation

made in these two days shall strengthen the Organisation further and give proper direction to the

leadership to March forward,

WE WILL UNITE…WE WILL FIGHT. WE WILL FIGHT…… WE WILL SUCCEED. VICTORY WILL BE OURS.

With this, I am placing this report before you all for your valued opinion and constructive criticism.

National Federation Zindabad ! With warm greetings,

Vivek Singh

Secretary General Dated at Agra, the 18th September, 2016

jk"Vªh; dk;Zdkfj.kh cSBd vkxjk esa izLrqr egklfpo dk izfrosnujk"Vªh; dk;Zdkfj.kh cSBd vkxjk esa izLrqr egklfpo dk izfrosnujk"Vªh; dk;Zdkfj.kh cSBd vkxjk esa izLrqr egklfpo dk izfrosnujk"Vªh; dk;Zdkfj.kh cSBd vkxjk esa izLrqr egklfpo dk izfrosnu

vknj.kh; v/;{k egksn; dkejsM fefgj yks[kaMokyk th] leLr lg;ksxh jk"Vªh; inkf/kdkjhx.k] lEekfur dsUnzh; lfpoky; lnL;x.k ,oa leLr lEekfur jk"Vªh; dk;Zdkfj.kh lnL;x.k] orZeku dk;Zdky 2016&18 dh bl izFke dk;Zdkfj.kh cSBd esa eSa vki lHkh dk gkfnZd Lokxr vkSj vfHkuUnu djrk gw¡A vkxjk ds bl fo'oizfl) uxjh esa bl HkO; vk;kstu ,oa lqUnj vkfrF; ds fy, eSa dkejsM latho dqekj 'kekZ e.Myh; v/;{k ,oa dkejsM vf'ouh dqekj 'kekZ e.Myh; lfpo ds usr`Ro esa leLr Vhe vkxjk dk lknj ueu vfHkuUnu djrk gw¡A lkfFk;ksa fnukad&15 ,oa 16 Qjojh 2016 dks psUubZ esa lEiUu vkelHkk ,sfrgkfld ,oa Lej.kh; lHkk Fkh] tks fd psUubZ tSls egkuxj esa vR;Ur gh lqUnj vkSj HkO;re Lo#i esa vk;ksftr dh xbZ Fkh bl lqUnj ,oa ,sfrgkfld vk;kstu ds fy, ge lHkh leLr Vhe psUubZ ds izfr vkHkkj ,oa /kU;okn Kkfir djrs gSa] psUubZ vkelHkk] lnL;ksa }kjk inkf/kdkfj;ksa ds fufoZjks/k fuokZpu }kjk laxBu ,oa usr`Ro ds izfr vizfre fu"Bk ds izn'kZu ds fy, Hkh ;kn j[kh tk,xhA

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foxr dqN eghuksa esa dbZ egku usrk rFkk fofHkUu {ks=ksa dh dbZ ukephu gfLr;ksa us viuh vkf[kjh lk¡l yh ftuesa iwoZ jk"Vªh; la;qDr lfpo ,oa iwoZ {ks=h; lfpo] iwoZ {ks= dkejsM lq'khy dqekj pØorhZ ,oa iwoZ {ks=h; v/;{k n0e0 {ks= dkejsM d`ikdj izeq[k jgsA

psUubZ vkelHkk ds ckn ls vc rd fofHkUu e.Myksa ds gekjs dbZ lkFkh chekjh ds dkj.k dky dofyr gq,] ftudk ;ksxnku lkaxBfud #i ls lnSo Lej.k fd;k tk,xkA

eSa bl ifo= lnu ls ;g vuqjks/k djrk gw¡ fd bu leLr fnoaxr vkRekvksa ds lEeku esa ,oa mu lHkh dks J)katfy nsus gsrq nks feuV dk ekSu /kkj.k djsaA

us'kuy QsMjs'ku vius iwoZ jk"Vªh; v/;{k dkejsM mRre tx/kkus] tks fnukad&31-08-2016 dks fuxe ls lsokfuo`Rr gq, gSa dks HkkoHkhuh fonkbZ nsrk gS] ftUgksaus fuxe esa viuh lsok ;k=k ds nkSjku fofHkUu {kerkvksa esa laxBu dks viuh lsok,¡ vfiZr dh vkSj gekjs laoxZ rFkk laxBu ds dY;k.kkFkZ viuk loZJs"B vfiZr fd;k] muds bl vizfre ;ksxnku rFkk lsokvksaa ds lEeku esa iq.ks e.My 1 ,oa 2 us fnukad&02-09-2016 dks iq.ks esa ,d HkO; fonkbZ lekjksg dk vk;kstu fd;k ftlesa fofHkUu iwoZ usrkx.kksa ds lkFk gekjs jk"Vªh; v/;{k rFkk egklfpo us Hkh lgHkkfxrk dh vkSj dkejsM mRre tx/kkus th dks HkkoHkhuh fonkbZ nhA

blh dkyvof/k esa fnukad&31-03-2016 dks gekjs e/; {ks= ds iwoZ {ks=h; lfpo dkejsM latho esgjks=k th Hkh lsokfuo`Rr gq, rFkk fnukad&28-02-2016 dks m0e0 {ks= ds iwoZ lfpo dkejsM ts0ih0 flag th Hkh lsokfuo`Rr gq,A laxBu }kjk muds lEeku esa Hkh HkO; fonkbZ lekjksg dk vk;kstu fd;k x;k FkkA iwjs ns'k esa jk"Vªh; dk;Zdkfj.kh ds vusd lEekfur lnL; Hkh lsokfuo`Rr gq,] vki lHkh dh lsokvksa rFkk laxBu dks muds ;ksxnkuksa gsrq ;g lnu mUgsa d`rK ueu ,oa HkkoHkhuh fonkbZ nsrk gS rFkk mu lHkh ds LoLFk] lq[kh vkSj nh?kZ thou gsrq viuh 'kqHksPNk;sa izLrqr djrk gSA

lkfFk;ksa] gekjh ;g cSBd ml dkyvof/k esa gks jgh gS tc fd gekjh laLFkk Hkk0th0ch0 fuxe] viuh xkSjoiw.kZ lsok ds 60 o"kZ iwjh dj jgh gS] vkSj fuxe us fnukad&01-09-2016 ls bl o"kZ dks Mk;e.M tqcyh o"kZ ?kksf"kr fd;k vkSj eukus dk fu.kZ; fd;k gS] bl Mk;e.M tqcyh lekjksg] ¼tks o"kZ i;ZUr pysxk½ dk mn~?kkVu Lo;a ekuuh; foRrea=h Hkkjr ljdkj Jh v#.k tsVyh th us fd;k] bl volj ij vius mn~cks/ku esa mUgksaus] bl izfr}UnkRed le; esa Hkh Hkk0th0ch0 fuxe dh vxz.kh Hkwfedk dh Hkwfj&Hkwfj iz'kalk vkSj ljkguk dhA mUgksaus Li"V #i ls dgk fd ,sls izfr}fUnrkiw.kZ okrkoj.k esa lnSo futh {ks=ksa dk gh fodkl gksrk ns[kk x;k gS D;ksafd ,d rks og ukSdj'kkgh dh tfVyrkvksa ls eqDr gksrs gSa rFkk cktkj dsfUnzr uhfr fu/kkZj.k gsrq LorU= gksrs gSa] tcfd ljdkjh {ks= ds foHkkx fofHkUu fu;eksa vkSj izfØ;kvksa ls ca/ks gksrs gSa ysfdu Hkk0th0ch0 fuxe ftlus iw.kZ ,dkf/kdkj ds lkFk viuh ;k=k izkjEHk dh Fkh vkt Hkh viuh miyfC/k;ksa vkSj dk;Z{kerk ds cy ij ,d ,sls ljdkjh laLFkku dk mnkgj.k cu x;k gS tks fdlh Hkh pqukSrh dks ikj ikus esa l{ke gSA ekuuh; foRrea=h us ;gk¡ rd dgk fd ;fn Hkk0th0ch0 fuxe ,d lwphc) dEiuh gksrh rks ;g Hkkjr dh lokZf/kd ewY;oku rFkk fo'o dh pqfuUnk ewY;oku dEifu;ksa esa ,d gksrh] ekuuh; foRrea=h us bl volj ij chek Mk;e.M ikfylh dk Hkh yksdkiZ.k fd;kA

ekuuh; foRrea=h dh vf/kdka'k ckrksa ls lger gksrs Hkh ;g dguk izklafxd gS fd bl pqukSrhiw.kZ izfr}fUnrkiw.kZ ekgkSy esa Hkh Hkk0th0ch0 fuxe dh bl vxz.kh fLFkfr dk ewy dkj.k gekjs gtkjksa fodkl vf/kdkfj;ksa vkSj yk[kksa vfHkdrkZvksa dk lrr vkSj vuFkd ifjJe gS tks os o"kksZa ls fuxe ds ln~Hkkouk nwrksa ds #i esa iwjs ns'k esa dj jgs gSA

2015&16 ds O;kolkf;d vkadM+ksa ij utj Mkyh tk, rks dbZ ekun.Mksa ij udkjkRed of) ifjyf{kr gksrh gS] lkFk gh] 1956 esa viuh LFkkiuk ds ckn ls vkt rd dHkh Hkh ,d o"kZ esa 4 yk[k vfHkdrkZ ugha x¡ok;s Fks] tSlk fd foRrh; o"kZ 2015&16 esa gqvk tks Hkk0th0ch0 fuxe gsrq ,d Mjkouk ladsr gSA uku flaxy izhfe;e esa fuxe dh cktkj fgLlsnkjh fxjdj 47-3% rd igq¡p xbZ tks u flQZ gekjs laoxZ ds fy, vfirq lEiw.kZ fuxe ds fy, ,d psrkouh gSA ,dy izhfe;e esa Hkh foxr o"kZ dh rqyuk esa Hkkjh fxjkoV ntZ gqbZ gS] lHkh vkYVjusV pSuyks ds O;olk; esa lHkh ekin.Mksa ij fxjkoV ntZ gqbZ gSA bl fxjkoV dk ,d izeq[k dkj.k ljdkj }kjk chek mRiknksa ij yxk;k x;k lsok dj] lzksr ij dVkSrh ,oa U;wure fjVuZ vkfn gSa bu lc ds ckotwn 2015&16 esa fuxe }kjk vftZr dqy O;olk; esa vfHkdrkZ fodkl vf/kdkjh ds ikjEifjd pSuy dk ;ksxnku iwoZor 80% ls T;knk gh jgk gSA

bl o"kZ Hkk0th0ch0 fuxe viuh LFkkiuk dk ghjd t;Urh o"kZ euk jgk gS vkSj bl vk;kstu dks Lej.kh; cukus ds fy, fuxe us 4 djksM+ ikfylh vkSj 44]000 djksM+ izFke izhfe;e vftZr djus dk ladYi fy;k gSA bl ghjd t;Urh o"kZ esa fuxe] NSP esa viuh cktkj fgLlsnkjh 70% rFkk O;fDrd izFke fd'r lsxesUV esa 75% djus dks ladfYir gS] lkFk gh 31 ekpZ 2017 rd 1 djksM+ chek Mk;e.M ikfylh cspus rFkk nks yk[k ls vf/kd vfHkdrkZ fu;qDr djus dk Hkh ladYi fd;k gSA

foxr twu ekg esa gekjs fuxe ds v/;{k ekuuh; Jh ,l0ds0 jk; th] ¼ftUgksaus twu 2013 esa ik¡p o"kksZa ds dk;Zdky gsrq v/;{k in xzg.k fd;k Fkk½ us vpkud R;kxi= nsdj Hkkjr ljdkj ls vuqjks/k fd;k fd mUgsa dk;ZeqDr fd;k tk,] muds bl vdLekr R;kxi= dk dksbZ Hkh dkj.k Kkr ugha gSA

lkaxBfud lekpkj %lkaxBfud lekpkj %lkaxBfud lekpkj %lkaxBfud lekpkj %

lkfFk;ksa] foRrh; vuq'kklu fdlh Hkh laxBu dh izk.kok;q vkSj thou js[kk gS vkSj bl vuq'kklu dk ikyu djus okys lnL;x.k fuf'pr gh lEeku vkSj lk/kqokn ds ;ksX; gSa] ost ysoh Hkqxrku esa gekjs if'peh {ks= ds 'kr&izfr'kr e.Myksa us ysoh dk rRdky gh Hkqxrku dj fn;k] iwjs ns'k ds gekjs dbZ vU; e.Myksa us Hkh viuh ysoh dks tek dj fn;kA lEiw.kZ if'peh {ks= lesr mu leLr e.Myksa dks lknj ueu oanu vkSj vfHkuUnu gekjs dbZ SHAHDOL, BURDWAN, KSD, ALIGARH, BANGALORE II, KARIM NAGAR,

VISAKHAPATNAM, SHIMOGA, KOZHIKODE, AHMEDABAD, Mumbai-1, Mumbai-2 & VADODARA us viuh leLr ns;rkvksa dk Hkqxrku dj ds Lo;a dks DUES FREE fl) dj fn;k] tSlk fd layXu DUES

LIST esa iznf'kZr Hkh gS bl lqUnj foRrh; vuq'kklu dk ikyu djus okys bu lHkh e.Myksa dks ,d fo'ks"k lEeku iznku djus vkSj djry /ofu ls mudk vfHkuUnu djus dk eSa bl lnu ls vkºoku djrk gw¡A

dsUnzh; dk;kZy; esa okrkZ fnukad&19dsUnzh; dk;kZy; esa okrkZ fnukad&19dsUnzh; dk;kZy; esa okrkZ fnukad&19dsUnzh; dk;kZy; esa okrkZ fnukad&19----03030303----2016201620162016

psUubZ vkelHkk ds ckn] laxBu us dsUnzh; dk;kZy; esa] izcU/k funs'kd ¼foi.ku½] dk;Zdkjh funs'kd ¼foi.ku½] lfpo ¼foi.ku½ rFkk foi.ku foHkkx ds vU; vf/kdkfj;ksa ds lkFk izksRlkgu cksul ;kstuk fo"k; ij okrkZ dh ftlesa izcU/ku }kjk izLrkfor la'kks/kuksa ij vk/kkfjr ,d foojf.kdk Hkh izLrqr dh xbZ ftlij laxBu us Li"V #i ls dgk fd tc rd xzsMs'ku] ySIlslu] ekdsZfVax ,Dlisalsl vkSj csfld vkbZ0ch0 ds eqn~nksa ij dksbZ larks"ktud la'kks/ku ugha gksrk gesa vU; dksbZ la'kks/ku Lohdkj ugha gSA izcU/ku us ges vk'oLr fd;k fd gekjs eqn~nksa ds leqfpr ijh{k.k ds ckn ge laxBu dks iqu% tYnh gh okrkZ gsrq vkeaf=r djsaxsA

osru iquZfu/kkZj.k ,fj;j ds dkj.k ykxr ij iM+us okys izHkkoksa ds ckjs esa Hkh izcU/ku ls ppkZ gqbZ] vizsty fjvksifuax ds udkjkRed izHkkoksa ds ekeys esa izcU/ku us mnkgj.k Lo#i ,sls ekeyksa dh tkudkjh ekaxh tgk¡ 01-04-2015 ls 31-02-2016 rd dh vof/k esa izkIr ,fj;j ls T;knk dh fjdojh vzisty jhvksifuax ds dkj.k gqbZ gksA

gesa ;g crkrs gq, vR;Ur g"kZ gS fd dsUnzh; dk;kZy; }kjk leLr fodkl vf/kdkfj;ksa ds fy, ,d jkgrdkjh ifji= tkjh fd;k x;k] tks osru iquZfu/kkZj.k ,fj;j ds dkj.k Lis'ky #y ds vUrxZr fofHkUu n.MkRed izko/kkuksa] tSls Vjfeus'ku] LVSxus'ku bUØhesUV] izeks'ku ,oa okgu vfxze vgZrk] ds nk;js esa vk jgs Fks] ;g ifji= gekjs laxBu ds fy, ,d csfelky miyfC/k gSA

izcU/ku ds lkFk jk"Vªh; inkf/kdkfj;ksa dh dqy Vhe dh izFke cSBd fnukad&16 ebZ 2016 dks dsUnzh; dk;kZy; esa lEiUu gqbZ tgk¡ laxBu us vius leLr yfEcr eqn~nksa] izksRlkgu cksul] U;wure vgZrk] O;olk; vkfn ds ckjs esa ppkZ dh] izksRlkgu cksul eqn~ns ij izcU/ku dk mRrj larks"ktud ugh jgk] xzsMs'ku] ySIlslu gVk;s tkus rFkk foi.ku O;; izfriwfrZ eqn~nksa dk dksbZ lek/kku ugha gks ik;kA

izcU/ku ds lkFk okrkZ ds vxys fnu vFkkZr fnukad&17 ebZ 2016 ls 3 fnolh; dsUnzh; lfpoky; dh cSBd eqEcbZ esa izkjEHk gqbZ] ftlesa laxBu ds lHkh egRoiw.kZ eqn~nksa rFkk laxBu dh Hkkoh j.kuhfr ij O;kid ppkZ gqbZA cSBd ds nkSjku egklfpo us lnL;ksa dks iwoZizsf"kr fo"k;oLrq ij O;kid ppkZ dh rFkk fnukad&16 ebZ 2016 dks izcU/ku ds lkFk gqbZ okrkZ dk foLr`r fooj.k izLrqr fd;kA izksRlkgu cksul eqn~ns ij egklfpo us lnu dks lwfpr fd;k fd izcU/ku gBoknh joS;s ij gS rFkk xzsMs'ku] ySIlslu dh lekfIr

vkSj foi.ku O;; izfriwfrZ dks iqu% ykxw djus ds fy, rS;kj ugh gS vkSj blds cnys esa vfrfjDr izksRlkgu

cksul dks ewy izksRlkgu cksul ls vyx djus dks rS;kj gSA egklfpo us ;g Hkh crk;k fd laxBu us izcU/ku ls Li"V #i ls dgk gS fd fuxe ds ghjd t;Urh o"kZ ds egkRokdka{kh y{; dks izkIr djus ds fy, vf/kla[; fodkl vf/kdkfj;ksa dks izksRlkgu cksul ;kstuk ds vUrxZr ykuk gh gksxkA

laxBu ds ckj&ckj fuosnu ds ckn Hkh gesa dsoy iwjs ns'k Lrj ij dqy yxHkx 60 ewY;kadu dh izfr izkIr gqbZ tks gekjs fy, fpUru dk fo"k; gSA

okrkZ ds nkSjku laxBu us xzsMs'ku] f}rh; o"kZ ySIlslu dks lekIr fd;s tkus rFkk foi.ku O;; izfriwfrZ dks ykxw fd;s tkus dh iqjtksj ekax dh] tcfd izcU/kd ds izLrko esa #jy ØsfMV ¼50 vfHkdrkZ vFkok 30 vfHkdrkZ tks Hkh de gks½] xzksFk ,fyesUV dh lekfIr] gh eq[; jkgrdkjh izrhr gq,] egklfpo us mnkgj.k Lo#i dqN ,sls ewY;kaduksa dks Hkh mn~?k`r fd;k ftlesa 9 ls 10% dh ykxr nj ij 1-20 djksM dh izFke izhfe;e vki vftZr djus okys fodkl vf/kdkjh dks izksRlkgu cksul ds ;ksX; ugha ekuk x;k] egklfpo us izcU/ku dks ;g Hkh lwfpr fd;k fd orZeku esa iwjs ns'k esa ek= 3000 fodkl vf/kdkfj;ksa dks gh izksRlkgu cksul dk Hkqxrku izkIr gqvk gSA

blh vuqØe esa leLr dsUnzh; lfpoky; lnL;ksa us vius mn~cks/kuksa esa usr`Ro ds izfr iw.kZ fu"Bk O;Dr djrs gq, bl ckr ij cy fn;k fd tc rd xzsMs'ku] ySIlslu rFkk foi.ku O;; izfriwfrZ fo"k;d la'kks/ku ugha gksrs rc rd izcU/ku }kjk izLrkfor fdlh Hkh la'kks/ku dks Lohdkj u fd;k tk,] egklfpo us bl fo"k; ij ekuuh; v/;{k Hkk0th0ch0 fuxe ls okrkZ djus dk vk'oklu fn;kA egklfpo us crk;k fd izcU/ku ds izLrkfor la'kks/kuksa dh lwpuk lHkh lnL;ksa dks iwoZ esa gh nh tk pqdh Fkh] ;g la'kks/ku laxBu dks Lohdkj.kh; ugha gS vkSj tc Hkh izcU/ku bls vf/klwfpr djsxk rc laxBu gj Lrj ij Hkkstukodk'k izn'kZu djsxk vkSj gj Lrj ij viuk Kkiu izLrqr djsxkA egklfpo us lnu dks vk'oLr fd;k fd og O;fDrxr #i ls ekuuh; ps;jeSu ls okrkZ djsaxs vkSj izcU/ku dks bu la'kks/kuksa ds lUnHkZ esa ,d foLrr i= Hkh izsf"kr djsaxsA egklfpo us lnu dks lwfpr fd;k fd laxBu us leLr fodkl vf/kdkfj;ksa gsrq ykbZQ Iyl lqfo/kk ¼izhfe;e IokbUV½ dh Hkh ekax dh gSA

egklfpo us vkxs crk;k fd MBG dh 'kh?kz gh vf/klwfpr gksus okyh gSA IRDAI dks 50 fdeh dh ifj/kh esa vkSj ijh{kk dsUnz [kksyus ds lEcU/k esa Hkh i= izsf"kr djsaxs] odZukeZ ds dkj.k lsokeqDr gq, fodkl vf/kdkfj;ksa dh isa'ku ds eqn~nsa ij Hkh vU; fo"k;ksa ds lkFk ppkZ yxkrkj tkjh gSA egklfpo us dfri; fcUnqvksa ij lafo/kku la'kks/ku dh vko';drk rFkk vxyh jk"Vªh; dk;Zdkfj.kh esa mUgsa izLrqr fd, tkus ij Hkh ppkZ dh CLIA eqn~ns ij CLIA dh c<+rh la[;k vkSj muds }kjk fu;qDr vfHkdrkZvksa dh c<+rh la[;k ij Hkh egklfpo us viuh fpark,¡ izLrqr dha] bl fo"k; ij Xokfy;j U;k;ky; esa yfEcr ekeys ij Hkh ppkZ gqbZA

psUubZ vkelHkk ds la;kstd ds #i esa dkejsM ,l0 vkuUn us psUubZ vkelHkk dk vkfMVsM ,dkmUV~l lnu esa izLrqr fd;k ftls lnuus vuqeksfnr dj fn;kA bl izfØ;k brus Rofjr fuLrkj.k ds fy, egklfpo us psUubZ e.My izFke] f}rh; rFkk lEiw.kZ nf{k.k {ks=h; laxBu dks /kU;okn vkSj c/kkbZ nhA egklfpo us ;g Hkh lwfpr fd;k fd jk"Vªh; v/;{k ds iz;klksa ls laxBu ds eq[ki= ^^U;wt cqysfVu** dk izdk'ku ,oa leLr lnL;ksa dks mldk forj.k izkjEHk gks pqdk gSA ftlds fy, lnu us jk"Vªh; v/;{k dks iqjtksj c/kkb;k¡ izLrqr dhaA

2017 ds osru iquZfuZ/kkj.k gsrq pkVZj vkQ fMek.M fo"k;d vxys fcUnq ij egklfpo us laxBu dks rRlEcU/k esa vfxze #i ls rS;kjh iwjh dj ysus dh ckr dgh vkSj lq>ko fn;k fd dkejsM xkSre lsu xqIrk dh v/;{krk rFkk dkejsM ,l0 vkuUn vkSj dkejsM fou; ckcw dh lnL;rk okyh pkVZj vkQ fMek.M lfefr bl lEcU/k esa viuh fjiksVZ izLrqr djsaxhA

lafo/kku la'kks/ku fo"k;d dkejsM ,l0 vkuUn dh v/;{krk rFkk dkejsM latho xqIrk] dkejsM ,l0 ch0 js] dkejsM fou; ckcw] dkejsM izHkkr dqekj] dkejsM vouh'k tSu] dkejsM ds0ch0 jktsUnze vkSj dkejsM nhid ck?ksyk dh lnL;rk okyh ,d vU; lfefr ds xBu dk Hkh egklfpo us izLrko izLrqr fd;k ftls lnu us Lohdklj fd;k vkSj lfefr dks 'kh?kz gh viuh fjiksVZ izLrqr djus dks dgkA

iwoZ egklfpo vkj0 t;izdk'k }kjk iwoZ jk"Vªh; v/;{k] egklfpo rFkk LFkkuh; lfpo eqEcbZ ds fo#) nk;j ekugkfu eqdnesa ds lEcU/k esa egklfpo us lnu dks lwfpr fd;k fd cgqla[;d dsUnzh; lfpoky; lnL; vkj0 t;izdk'k ds fo#) ,d dkm.Vj dsl nk;j fd;s tkus ds i{k esa gSA mUgksaus ;g Hkh crk;k fd dkejsM ckcw jktu us Hkh egklfpo ds fo#) ,d okn nk;j fd;k gS] egklfpo us ;g Hkh lwfpr fd;k fd mUgksaus bu ekeyksa dh iSjoh ds fy, f=osUnze e.My ds lnL; dkejsM Vh0ts0 tkWu dks ikoj vkQ ,VkuhZ ns nh gS] mUgksaus nf{k.k {ks= }kjk psUubZ vkelHkk ds fu.kZ; dks ykxw djokus rFkk rRlEcU/k esa f=osUnze e.My dks funsZf'kr fd;s tkus dh vko';drk ij Hkh cy fn;kA ,sls ekeyksa esa {ks=h;@e.Myh; lfpo dh l'kDr Hkwfedk ij Hkh mUgksaus cy fn;kA

egklfpo us dsUnzh; lfpoky; Lrj ij RTI ,oa IT/ACTURIAL ekeyksa ds lEcU/k esa Hkh ,d Vhe xfBr fd, tkus dk lq>ko fn;k] mUgksaus vkxs dgk fd laxBu dks ;g Hkh lqfuf'pr djuk gksxk fd pUns dh orZeku njsa laxBu dks lqpk# #i ls pykus ds fy, i;kZIr ugha gSA lnL;ksa us tEew&dk'ehj jkgr dks"k esa ,df=r fd, x, #0 25 yk[k ds dks"k dsk nks o"kZ ckn Hkh forfjr u fd;s tkus ds lEcU/k esa viuh fpark,¡ vkSj fopkj O;Dr

fd,] dqN lnL;ksa us mDr jkf'k dks e.Myksa dks okil fd;s tkus dk Hkh lq>ko fn;k] lkFk gh dbZ vU; fodYiksa ij Hkh ppkZ gqbZ rFkk ;g r; gqvk fd bl lEcU/k esa fu.kZ; vxyh jk"Vªh; dk;Zdkfj.kh esa fd;k tk,xkA psUubZ ck<+ jkgr dks"k ds lEcU/k esa Hkh ppkZ gqbZ tgk¡ ;g lwfpr fd;k x;k fd bl dks"k esa yxHkx 3 yk[k #0 ,d= gq, gSa rFkk forj.k gsrq psUubZ e.My 1] 2 ,oa csYyksj ls izHkkfor lnL;ksa ds fooj.k dh izrh{kk dh tk jgh gS mDr fooj.k ds i'pkr~ gh forj.k lEHko gksxkA

cgqr ls e.Myksa }kjk dbZ o"kksZa ls okf"kZd pUnk] U;wt cqysfVu pUnk] ysoh dk Hkqxrku ugha fd;k tk jgk gS] bl ij cgqr ls lnL;ksa dk lq>ko Fkk fd ,sls e.Myksa dk uke U;wt cqysfVu esa izdkf'kr fd;k tkuk pkfg, ;g Hkh lq>ko fn;k x;k fd ,sls e.Myksa dks jk"Vªh; dk;Zdkfj.kh esa Hkkx ysus dh vuqefr u nh tk,A

egklfpo us lnu dks lwfpr fd;k fd] ftl izdkj gkmflax yksu dh lhek dks c<+k;k x;k gSa] laxBu lnL;ksa ds lewg chek laj{k.k dks Hkh 50 yk[k rd c<+k, tkus dh izcU/ku ls ekax djsxkA ;g Hkh lwfpr fd;k fd 16 ebZ dks okrkZ ds nkSjku lsØsVjh ekdsZfVax us laxBu ls RLC eqn~ns dks lekIr djus dk vuqjks/k fd;k D;ksafd vc Lis'ky #y la'kks/ku dh izfØ;k iwjh gks pqdh gSA lnu us fopkj.k ds i'pkr~ egklfpo dks fu.kZ; ysus gsrq vf/kd`r dj fn;kA

eqEcbZ dsUnzh; lfeqEcbZ dsUnzh; lfeqEcbZ dsUnzh; lfeqEcbZ dsUnzh; lfpoky; cSBd esa fuEu fu.kZ; fy, x,poky; cSBd esa fuEu fu.kZ; fy, x,poky; cSBd esa fuEu fu.kZ; fy, x,poky; cSBd esa fuEu fu.kZ; fy, x,

ubZ izksRlkgu cksul ;kstukubZ izksRlkgu cksul ;kstukubZ izksRlkgu cksul ;kstukubZ izksRlkgu cksul ;kstuk & izR;sd {ks= ds {ks=h; v/;{k ,oa lfpo fnukad&06 twu dks izLrkfor CMC cSBd ds iwoZ gh vius {ks=h; izcU/kd ls eqykdkr dj mUgsa ubZ izksRlkgu cksul ;kstuk gsrq gekjh vis{kkvksa ds lUnHkZ esa rF;ijd tkudkjh nsaxs rFkk bl lEcU/k esa dqN fuLrkfjr ewY;kaduksa dh izfr Hkh ,d KEY

NOTE ds lkFk lkSisaxsA

;fn izcU/ku 16 ebZ dks gekjs le{k izLrqr izLrko dks gh fcuk fdlh la'kks/ku ds dj nsrk gS rks ,d fuf'pr frfFk tks ckn esa fu/kkZfjr dh tk,xh] dks izR;sd 'kk[kk@e.My@{ks= eq[;ky; ,oa dsUnzh; dk;kZy; ij Hkkstukodk'k izn'kZu ,oa Kkiu izLrqrhdj.k dk vk;kstu fd;k tk,xkA ;g Hkh r; gqvk fd blds ckn dksbZ vkUnksyu bl eqn~ns ij ugha fn;k tk,xk vkSj vius lnL;ksa dks dsoy NSP ij dsfUnzr jgus dk lq>ko fn;k tk,xkA

chek fd'r ij lsokdj ,oa vU; eqn~nksa ij us'kuy QsMjs'ku ds cSuj rys ,d O;kid gLrk{kj vfHk;ku rFkk tkx#drk vfHk;ku pyk;k tk,xk ftlesa vius vfHkdrkZ lkfFk;ksa dks Hkh 'kkfey dj vke turk dks blds nq"izHkkoksa ds ckjs esa tkx#d fd;k tk,xk bl gsrq vfHkdrkZ laxksf"B;ksa dk Hkh vk;kstu fd;k tk,xkA

IRDAI ijh{kk dszUnzijh{kk dszUnzijh{kk dszUnzijh{kk dszUnz & izR;sd e.Myh; lfpo vius LFkkuh; lkaln ls vuqjks/k djsxk fd os u, ijh{kk dsUnz [kksyus gsrq IRDAI dks i= fy[ksaA

pkVZj vkQ fMek.M lfefrpkVZj vkQ fMek.M lfefrpkVZj vkQ fMek.M lfefrpkVZj vkQ fMek.M lfefr & v/;{k dkejsM xkSre lsu xqIrk {ks0v0@iw0{ks0] dkejsM ,l0 vkuUn AIJS] dkejsM latho xqIrk AIVP] dkejsM fou; ckcw {ks0l0 n0e0 {ks=] dkejsM ,l0ch0 js {ks0l0 iw0{ks0A

lafo/kku la'kks/ku lfefrlafo/kku la'kks/ku lfefrlafo/kku la'kks/ku lfefrlafo/kku la'kks/ku lfefr & la;kstd % ,l0 vkuUn AIJS] fou; ckcw {ks0l0 n0e0{ks0] ,l0ch0 js {ks0l0 iw0{ks0] nhid ck?ksyk {ks0v0 i0{ks0] yfyr nhf{kr {ks0l0 e0{ks0] ih0ds0 JhokLro {ks0l0 m0e0 {ks=] Vh0ih0 egkik=k {ks0v0 iw0e0{ks0] ds0ch0 jktsUnzu {ks0v0 n0{ks0] vkj0ds0 xqIrk AIRS ¼fnYyh½] Mh0ih0 ;kno AIRS ¼eqEcbZ½A

fof/kd ekeyks dh lfefrfof/kd ekeyks dh lfefrfof/kd ekeyks dh lfefrfof/kd ekeyks dh lfefr & iwoZ LFkkfir ;g lfefr dk ,l0 vkuUn ds la;kstdRo esa viuk dk;Z izkjEHk djsxhA lfefr] odZeSu LVsVl] CLIA Ldhe] dksVZ dslst ds Rofjr fuLrkj.k gsrq fof/kd lykg izkIr djsxhA

chekadu fo"k;ksa gsrq milfefrchekadu fo"k;ksa gsrq milfefrchekadu fo"k;ksa gsrq milfefrchekadu fo"k;ksa gsrq milfefr & chekadu ,oa ,Dpwfj;y fo"k; ,oa RTI lEcfU/kr ekeyks dh bl milfefr esa dkejsM fou; ckcw ls0l0 n0e0{ks0] dkejsM ,l0 ch0 js {ks0l0iw0{ks0] dkejsM nhid ck?ksyk {ks0v0i0{ks0] lfEefyr gksaxsA

izHkkoh laizs"k.kizHkkoh laizs"k.kizHkkoh laizs"k.kizHkkoh laizs"k.k & lwpukvksa ds lEiw.kZ izklafxd vkSj Rofjr fu'kqYd laizs"k.k OgkV~lvi dh czkMdkLV fyLV ds }kjk fd;k tk ldrk gS lHkh {ks=h; lfpo viuh esfyax fyLVksa ¼,l,e,l] bZesy] OgkV~lvi] czkMdkLV fyLV bR;kfn½ esa jk"Vªh; v/;{k ,oa egklfpo dks Hkh lfEefyr j[ksaxsA blh izdkj izR;sd e.MYh; lfpo viuh esfyax fyLVksa esa vius {ks=h; v/;{k ,oa {ks=h; lfpo dks lfEefyr j[ksaxs ,oa izR;sd 'kk[kk lfpo

viuh esfyax fyLVksa esa vius e.Myh; v/;{k ,oa e.Myh; lfpo dks lfEefyr j[ksaxs ftlls dh izR;sd lnL; rd lwpukvksa dk Rofjr laizs"k.k lqfuf'pr fd;k tk ldsA

ysoh Hkqxrkuysoh Hkqxrkuysoh Hkqxrkuysoh Hkqxrku & fdlh Hkh 'kk[kk ;k e.My ls vkaf'kd Hkqxrku izkIr ugha fd;k tk,xk gj 'kk[kk@e.My dks ysoh dk Hkqxrku lEiw.kZ #i ls rFkk vius lnL;ksa ,oa PDO ds #i esa mudh fu;qfDr frfFk dh foLrr lwph ds lkFk djuk gksxkA

tEew&dk'ehj jkgr dks"ktEew&dk'ehj jkgr dks"ktEew&dk'ehj jkgr dks"ktEew&dk'ehj jkgr dks"k & bl lEiw.kZ dks"k dks rRdky izeko ls jk"Vªh; laxBu dks"k esa LFkkukUrfjr fd;k tk,xk rFkk vkxkeh CS/NEC cSBd bl dks"k ds mi;ksx@forj.k ds lEcU/k esa fu.kZ; djsxhA

NEC gsrq Msyhxs'ku Qhlgsrq Msyhxs'ku Qhlgsrq Msyhxs'ku Qhlgsrq Msyhxs'ku Qhl & izR;sd e.MYk }kjk NEC esa nks lnL;ksa dk Msyhxs'ku 'kqYd fn;k tkrk gS bl ckj Hkh izR;sd e.My ls nks lnL;ksa dk 'kqYd izkIr gksus ij iathdj.k fd;k tk,xk] ;g Hkh fu.khZr gqvk fd izR;sd lnL; dh tkudkjh gsrq jk"Vªh; laxBu dh M~;wl fyLV U;wt cqysfVu esa izdkf'kr dh tk,xhA vkxkeh NEC ds iwoZ izR;sd e.My dks M~;wl Ýh cukus ds fy, gj laHko iz;kl fd;k tk,xk ;g Hkh fu.khZr gqvk fd vkxkeh NEC esa fMQkYVj e.My izfrfuf/k;ksa dks jk"Vªh; dk;Zdkfj.kh dks lEcksf/kr djus dk volj iznku ugha fd;k tk;sxkA

U;wt cqysfVuU;wt cqysfVuU;wt cqysfVuU;wt cqysfVu & vizSy 2016 ls U;wt cqysfVu dk izdk'ku vkSj forj.k iqu% lqpk# #i ls izkjEHk gks x;k gS vr% U;wt cqysfVu dk pank 90@& izfr lnL; dh nj ls o"kZ 2016&17 ,oa vkxs fy;k tk,xk] U;wt cqysfVu ds vfrfjDr vU; dksbZ 'kqYd ladfyr ugha fd;k tk,xkA

izizizizksRlkgu cksul ;kstuk 2015 dh vf/klwpuk &ksRlkgu cksul ;kstuk 2015 dh vf/klwpuk &ksRlkgu cksul ;kstuk 2015 dh vf/klwpuk &ksRlkgu cksul ;kstuk 2015 dh vf/klwpuk &

okrkZ ds nkSjku laxBu dks vk'oklu fn, tkus ds ckotwn izcU/ku us cxSj xzsMs'ku vkSj ySIlslu esa dksbZ lq/kkj fd, izksRlkg cksul ;kstuk 2015 dks vf/klwfpr dj fn;k] blds tcjnLr fojks/k esa laxBu ds vkg~oku ij izR;sd 'kk[kk] e.My] {ks= ,oa dsUnzh; dk;kZy; ij fnukad&27 ebZ 2016 dks Hkkstukodk'k ds nkSjku fojks/k izn'kZu fd;k x;k ,oa lHkh Lrjksa ij izHkkfj;ksa dks] ps;jeSu dks lEcksf/kr Kkiu izLrqr fd;k x;k] gekjs bl fojks/k izn'kZu ds ckn izcU/kd }kjk bl ;kstuk dks ykxw fd, tkus gsrq ,MfefuLVªsfVo bUlVªD'ku dk ifji= la0&Mktg/ZD/14/2016 fnukad&31-09-2016 tkjh fd;k x;kA

dsUnzh; dk;kZy; ls okrkZ fnukad&25dsUnzh; dk;kZy; ls okrkZ fnukad&25dsUnzh; dk;kZy; ls okrkZ fnukad&25dsUnzh; dk;kZy; ls okrkZ fnukad&25----06060606----2016 &2016 &2016 &2016 &

izksRlkgu cksul vf/klwpuk ds ckn gq, gekjs O;kid fojks/k vkSj blh lUnHkZ esa fnukad&17-06-2016 dks egklfpo }kjk ps;jeSu ls dh xbZ okrkZ ds ckn laxBu dks izcU/kd }kjk fnukad 25 twu 2016 dks dsUnzh; dk;kZy; esa okrkZ dk i= izkIr gqvk] bl okrkZ esa jk"Vªh; v/;{k] egklfpo] jk"Vªh; lglfpo ,l0 vkuUn] {ks0l0n0e0{ks0 ,oa {ks0l0iw0{ks0 us laxBu dk izfrfuf/kRo fd;kA okrkZ ds nkSjku laxBu iqjtksj ,oa rkfdZd <ax ls xzsMs'ku] ySIlslu gVkus rFkk foi.ku O;; izfriwfrZ O;oLFkk ykxw djus dh vko';drk ij viuk i{k izLrqr fd;k bl lEcU/k esa 1-20 djksM+ izFke izhfe;e vtZu ds ckn Hkh 'kwU; cksul ds n`"VkUr ds #i esa ewY;kaduks dh izfr Hkh lkSaih xbZ] vf/klwfpr ;kstuk ij laxBu us fcUnqokj leh{kk djrs gq, izcU/ku ls Li"V #i ls dgk fd tc rd bl ;kstuk esa xzsMs'ku] ySIlslu vkSj foij.k O;; izfriwfrZ tSls jpukRed lq/kkj ugha fd;s tk,¡xs ;g ;kstuk rc rd fdlh fodkl vf/kdkjh dks izksRlkfgr ugha dj ldrhA

laxBu us izcU/ku dks ;g Hkh lwfpr fd;k fd bl ;kstuk ds fiNyh frfFk ls ykxw fd;s tkus ds ifj.kkeLo#i dfri; ekun.M tks ;k rks lekIr dj fn;s x;s vFkok muesa cnyko dj fn;k x;k gS ds dkj.k vf/kdka'k fodkl vf/kdkfj;ksa ls fjdojh ds ekeys Hkh cgqrk;r esa vk,¡xs] KkrO; gS fd bl ;kstuk dks 01-09-2014 ls ykxw fd;k x;k gS tcfd GOIB 2011 dks 01-09-2014 ls 31-08-2015 rd ds fy, foLrkfjr Hkh fd;k x;k FkkA

mDr cSBd esa mifLFkr ED(M) phQ ,oa foi.ku foHkkx ds vU; vf/kdkfj;ksa us vk'oLr fd;k fd og bl elys dks mPp izcU/ku ds le{k ys tk,¡xs vkSj vuqjks/k fd;k fd bl vf/klwfpr gks pqdh ;kstuk esa lq/kkj djus ds fy, mUgsa FkksM+k le; fn;k tk,A

LIC ,lksfl,V Ldhe vf/klwpuk&,lksfl,V Ldhe vf/klwpuk&,lksfl,V Ldhe vf/klwpuk&,lksfl,V Ldhe vf/klwpuk&

oSdfYid pSuyksa dk fuekZ.k djus rFkk U;wure ykxr ij fodkl vf/kdkjh ds dk;ksZa dh vkmVlksflZax djkus dh viuh lrr izfØ;k esa fuxe izcU/ku us fnukad&01-04-2016 dks ,d u;s oSdfYid pSuy ds #i esa LIC Associate Scheme (LICA) dks vf/klwfpr dj fn;k] izkjEHk esa bls lsokfuo`Rr gksus okys SBA dks lek;ksftr djus rFkk ckn esa lHkh fodkl vf/kdkfj;ksa dks lek;ksftr dj muds laxBuksa dh ns[kjs[k rFkk u;s vfHkdj.k dh fu;qfDr ds fy, bLrseky fd;k tk,xk ;g lsok;kstu izkjfEHkd #i ls 3 o"kZ ds fy, gksxk ftls 2 o"kksZa dk foLrkj fn;k tk ldrk gSA blesa ykbZQ Iyl vkfQl esUVsusUl ,ykmUl] VªkUlSD'ku Qhl] izksMfDVfoVh bUlsfUVo] u;s vfHkdj.k fu;qfDr vykmal vkfn dk Hkqxrku gksxk tks dqN 'krksZa dks iwjk fd, tkus ij gh gksxkA

orZeku esa SBA, dh la[;k 4564 ls ?kVdj 1411 gks xbZ gS rFkk orZeku foRrh; o"kZ dh lekfIr rd blds 600 gks tkus dh lEHkkouk gSA

GOIB - Option -

25 twu dh gekjh okrkZ ds vuqØe esa izcU/ku esa ,d ifji= tkjh fd;k] ftlds vuqlkj gj fodkl vf/kdkjh dks ;g fodYi fn;k tk,xk ftlesa og ;g fu/kkZfjr djsxk fd mlds ewY;kadu dks ;kstuk 2011 vFkok ;kstuk 2015 esa ls fdlls ewY;kafdr fd;k tk,A ;g fodYi 31-08-2015 ls ysdj 31-07-2016 rd lekIr gksus okys ewY;kaduksa ij gh ykxw gSA

ge vius lnL;ksa ls vuqjks/k djrs gS fd og vius fodYi dk iz;ksx vR;Ur lko/kkuh ls djsa ;g ns[kk tk jgk gS fd ;kstuk 2011 esa 1 djksM+ ls T;knk izhfe;e ij Hkh 'kwU; cksul okys ewY;kaduksa esa ;kstuk 2015 esa dqN gtkj #i;ksa dk cksul izkIr gks ldrk gSA

izksRlkgu cksul u ikus okys fodkl vf/kdkfj;ksa dks okgu HkRrs dk Hkqxrku&izksRlkgu cksul u ikus okys fodkl vf/kdkfj;ksa dks okgu HkRrs dk Hkqxrku&izksRlkgu cksul u ikus okys fodkl vf/kdkfj;ksa dks okgu HkRrs dk Hkqxrku&izksRlkgu cksul u ikus okys fodkl vf/kdkfj;ksa dks okgu HkRrs dk Hkqxrku&

izksRlkgu cksul u ikus okys fodkl vf/kdkfj;ksa dks c<+k gqvk okgu HkRrk #0 1800@& ¼fonkmV QkLV dUosUl½ vkSj #0 2000@& ¼foFk QkLV dUosUl½ izfrekg dh nj ls Hkqxrku fd;k tk,xkA izFke o"kZ esa ;fn 3 vfHkdrkZ dkusV ,Mh'ku ugha gks rks Hkh Hkqxrku gksxk] dbZ txgksa ij 3 vfHkdrkZ dk usV ,Mh'ku u gksus ds dkj.k ;g Hkqxrku ugha gks jgk tks fd xyr gSA ;g Li"V fd;k tk pqdk gS fd izFke o"kZ esa bl c<+s gq, okgu HkRrks dk Hkqxrku izkIr djus ds fy, 3 vfHkdrkZvksa dk usV ,Mh'ku vko';d ugha gSA

dsUnzh; dk;kZy; esa okrkZ fnukad&03dsUnzh; dk;kZy; esa okrkZ fnukad&03dsUnzh; dk;kZy; esa okrkZ fnukad&03dsUnzh; dk;kZy; esa okrkZ fnukad&03----08080808----2016201620162016

laxBu dh chekadu@,Dpwfj;y desVh dh cSBd fnukad&03-08-2016 dks fu/kkZfjr Fkh bl cSBd esa laxBu dk izfrfuf/kRo jk"Vªh; v/;{k fefgj yks[kaMokyk] egklfpo foosd flag] LFkkuh; lfpo eqEcbZ /kuat; ;kno] {ks0l0 n0e0{ks0 fou; ckcw us fd;k] ;g vius izdkj dh izFke cSBd gqbZ ftlesa laxBu us ED (Act.) ls okrkZ dh vkSj geus bl volj dk Hkjiwj ykHk fy;k vkSj izcU/ku us Hkh iwjs /kS;Z ds lkFk gekjs }kjk izLrqr fcUnqvksa dks fopkfjr fd;k vkSj vk'oLr fd;k fd lHkh eqn~nksa ij ldkjkRed fopkj.k gksxk] ogk¡ ij geus uku esfMdy lhek] efgyk thou thou oxhZdj.k] vo;Ld thodksa ij chek] cM+s cPpksa ds ches] Lis'ky #y pkVZ esa la'kks/ku] TPA leL;k] vfuoklh chek ,oa iz'ukoyh] PFQ lhek] Lis'ky MHR, foRrh; chekadu] leku izLrko i= ,oa ikfylh ck.M] vf/kdre chek/ku ij fu.kZ;] 1 o"kZ ds vUnj nwljs izLrko ij fu.kZ; vkfn fcUnqvksa ij ckr dhA izcU/ku ds joS;s ls ge vk'oLr gSa fd bl cjl t;Urh o"kZ esa bu fcUnqvksa ij ges ,d ldkjkRed ifjorZu ns[kus dks vo'; feysxk ftudk ykHk iwjh fodkl okfguh dks feysxkA

blds i'pkr~ laxBu izfrfuf/k;ksa us ED (CRM) Jh ds0 x.ks'k ls eqykdkr dh vkSj CRM foHkkx ls lEcfU/kr 53 fcUnqvksa dk ,d izfrosnu izLrqr fd;kA ftlesa iquZpyu ekeys lHkh ;kstukvksa gsrq fo'ks"k iquZpyu vfHk;ku] xzkgd f'kdk;rksa ,oa lsokvksa gsrq eksckby ,i] KYC ukeZ] ECS fMLkkWuj ds ckn Hkh dVkSrh tkjh j[kus] lsVsykbZV vkfQlksa esa Hkh ikfylh lsok,¡] vfHkdrkZ fodkl vf/kdkfj;ksa dks M~;wl fyLV ,oa esP;ksfjVh fyLV] thou ljy ;kstuk dk cUnkscLrh esa #ikUrj.k] ,l0ch0 Hkqxrku] us¶l leL;k ØsfMV dkMZ Hkqxrku vkfn izeq[k jgsA ge fuxe izcU/ku ds izfr vkHkkj O;Dr djrs gS vkSj vk'kk djrs gSa fd Hkfo"; esa Hkh viuh egku laLFkku ds lokZaxh.k fodkl gsrq fodkl okfguh ds le{k vius okyh eqf'dyksa vkSj leL;kvksa ds fujkdj.k ds fy, bl izdkj ds vU; volj Hkh miyC/k gksrs jgsaxsA

jk"Vªh; v/;{k] egklfpo ,oa LFkkuh; lfpo eqEcbZ us izcU/k funs'kd] ED (Mkt) ,oa lfpo ekdsZfVax ls eqykdkr dh vkSj izksRlkgu cksul ;kstuk esa lq/kkjksa ds fo"k; esa ppkZ dh lkFk gh vU; yfEcr fcUnqvksa ij Hkh ppkZ dh xbZ] RCA CCA dh la[;k ij ykxw lhfyax dks c<+k;s tkus] CCA ij fodkl vf/kdkfj;ksa dks 100% ØsfMV] mudh LVkbesUV esa o`f)] lsVsykbZV vkfQlksa esa PC, iwjs e.MY dh ,fj;k dkeu gksus ds ckn vfHkdrkZ fu;qfDr gsrq eq[;ky; dks iquZifjHkkf"kr fd, tkus] okgu vfxze dh vnk;xh lekIr gks tkus ds ckn fodkl vf/kdkjh dks chek fd'r ,oa jksM VSDl dh izfriwfrZ] fdlh Hkh 'kk[kk esa O;olk; tek ;fn dkeu ,fj;k esa ,dkf/kd 'kk[kk;sa gks] bR;kfn izeq[k jgs gesa iwjk fo'okl gS fd gekjs lHkh eqn~nksa dks ,d larqf"Vdkjd lek/kku vo'; gh izkIr gksxkA

lsokfuo`Rr gksus okys fodkl vf/kdkfj;ksa gsrq bDohVscy fjYkhQ&lsokfuo`Rr gksus okys fodkl vf/kdkfj;ksa gsrq bDohVscy fjYkhQ&lsokfuo`Rr gksus okys fodkl vf/kdkfj;ksa gsrq bDohVscy fjYkhQ&lsokfuo`Rr gksus okys fodkl vf/kdkfj;ksa gsrq bDohVscy fjYkhQ&

fiNys osru iquZfu/kkZj.k ds nkSjku lsokfuo`Rr gksus okys fodkl vf/kdkfj;ksa gsrq bDohVscy fjYkhQ dh leL;k dks loZizFke SCZ ds }kjk yk;k x;k Fkk ijUrq ml le; bl ij dksbZ lQyrk izkIr ugha gks ikbZ ml nkSjku ,d ;k nks o"kksZa esa fjVk;j gksus okys fodkl vf/kdkfj;ksa ij iwjk ,fj;j ,d lkFk tksM+ fn;k x;k FkkA ijUrq bl ckj bl fo"k; dks Hkh geus vU; fo"k;ksa ds lkFk xEHkhjrkiwoZd fy;k vkSj ge izcU/ku ls lQyrkiwoZd ,d ykHknk;d ifji= ikus esa lQy jgsA bl izdkj iqjkus osru fu/kkZj.kksa ls pyh vk jgh bl leL;k dk var bl ckj ds iquZfu/kkZj.k esa gks x;k] vc ,sls fodkl vf/kdkjh tks ,d ;k nks

ewY;kadu o"kksZa esa fjVk;j gksaxs rks ,sls o"kksZa esa mDr o"kksZa esa bDohVscy fjyhQ csM gh okf"kZd ykxr dk Hkkx cusxh vkSj rhuksa o"kksZa dk yksM ,d lkFk ugha Mkyk tk,xk ;g Hkh Li"V fd;k x;k gS fd ftu fodkl vf/kdkfj;ksa dk vf/klwpuk frfFk 14-11-2016 ls iwjs 1 o"kZ dk Hkh ewY;kadu o"kZ 'ks"k ugha gS ,sls fodkl vf/kdkfj;ksa deks izkIr gksus okys lEiw.kZ ,fj;j Hkqxrku ykxr nj esa tksM+h ugh tk,xh muds fy, ;g osru iquZfu/kkZj.k muds fy, ØkWLV Ýh gksxkA

lewg esMhDyse ;kstuk 2016&17lewg esMhDyse ;kstuk 2016&17lewg esMhDyse ;kstuk 2016&17lewg esMhDyse ;kstuk 2016&17

dsUnzh; dk;kZy; ds ifji= fnukad&16-04-2016 la0&CO/PER/ER-A/24/2016 ds vuqlkj fuxe dkfeZdksa dh lewg esMhDyse ;kstuk dk fjU;woy 25 yk[k vkSj 30 yk[k ds nks u;s LySc dks 'kkfey djus ds lkFk gqvk tks vkI'kuy QSfeyh ¶yksVj gksaxs iathdj.k@HkrhZ 'kqYd] lsokdj@ljpktZ] fQft;ksFksjsih nkos esa Hkqxrku izfr O;fDr izfro"kZ #0 30000@& rd] fcuk HkrhZ gq, ckW;Ilh VsLV #0 4000@&] PET LdSu ¼fcuk HkrhZ½ #0 15000@& rd izfr O;fDr@o"kZ Age related macular degeneration

(ARMD) vkSj@vFkok Retinal diseases by istravited/intraocular injection/intervention

izfr vka[k #0 25000 rd] Robotic Surgery for Malignant Cancer/Cancer, Brain & spine

gsrq Hkqxrku rFkk Artificial Limb Except Robotic Limb gsrq Hkqxrku] Thalesemia,

Haemophilia, Sickle Cell anaemia, Myeloma bR;kfn ds bZykt gsrq Hkqxrku] rFkk gkfLiVykbts'ku gsrq iz;qDr ,EcwysUl pktZ Hkh #0 5000@& rd c<+k fn;k x;k gS] la{ksi esa gekjh ;g ubZ dS'kysl esMhDyse ;kstuk gekjs yxHkx 100% esfMdy [kpksZa dh HkikbZ dj ldrh gSA gkykafd ges ;g tkudkjh feyh gS fd dfri; futh vLirky TPA dh lkaBxkaB ls fMlikslscy vkSj uku dofjax vkbZVe ds nke c<+kdj VksVy fcy ,ekm.V dks 15 ls 20% rd c<+k ns jgs gSa ;fn gesa mlds nLrkosth izek.k fey tk,¡ rks ges bls LIC vkSj IRDA ds mPp Lrjksa ij ys tkdj bu ij jksd yxok ldrs gSA

x`g_.k ;kstuk esa lq/kkjx`g_.k ;kstuk esa lq/kkjx`g_.k ;kstuk esa lq/kkjx`g_.k ;kstuk esa lq/kkj & dsUnzh; dk;kzy; ifji= CO/PER/ER-A/127/2016 fnukad&26-04-2016 ds vuqlkj fnukad&01-04-2016 ls xg` _.k dh lhek dk iquZfu/kkZj.k fd;k x;k gS vkSj vc gekjs fodkl vf/kdkjh #0 21&25 yk[k dSMj ykus @ 5% ,oa foLrkfjr dSMj yksu #0 28&75 @ 8.5% vFkkZr~ dfqy #0 50 yk[k rd dk x`g _.k izkIr dj ldrs gSaA

vU; fcUnqvksa ij dsUnzh; dk;kZy; }kjk tkjh egRoiw.vU; fcUnqvksa ij dsUnzh; dk;kZy; }kjk tkjh egRoiw.vU; fcUnqvksa ij dsUnzh; dk;kZy; }kjk tkjh egRoiw.vU; fcUnqvksa ij dsUnzh; dk;kZy; }kjk tkjh egRoiw.kZ ifji=kZ ifji=kZ ifji=kZ ifji=

bl leh{kk/khu vof/k esa dsUnzh; dk;kZy; }kjk fuEu egRoiw.kZ ifji= tkjh fd, gS&

1- ifji= la[;k&Mktg/ZD/12/2016 fnukad&14-05-2016 ds vuqlkj czhQdsl O;; izfriwfrZ dh lhek #0 2500@& dj nh xbZA

2- ifji= la0&CO/PER/A/122/2016 fnukad&16-03-2016 ds vuqlkj foRrh; o"kZ 2013&14 gsrq iquZifjHkkf"kr PLLI ds vUrj dk Hkqxrku fd;k tk,xkA

3- ifji= la0&CO/PER/ER-A/118-2016 fnukad&22-02-2016 ¼4½ ds vuqlkj fVdVksa dh vkuykbZu [kjhn rFkk dkj }kjk ;k=k djus ij Vksy VSDl dk Hkqxrku LIC ds vUrxZr vuqeU; gSA

4- ifji= la0&Mktg/A/21 (R) fnukad&06-06-2016 ds vuqlkj Dyc lnL;rk esa uoizos'k@lrrhdj.k gsrq 5% dh NwV dks 1 o"kZ gsrq c<+k fn;k gSA

5- ifji= la0&CO/PER/ER-A/ASP/2016 fnukad&01-04-2016 fnukad&01-04-2016 ds vuqlkj gekjs laoxZ gsrq R;ksgkj vfxze dh lhek dks c<+kdj 26000@& dj fn;k x;k gSA

6- ifji= la0&CO/PD/79 fnukad&04-01-2016 }kjk nqxuk nq?kVZuk fgrykHk dh lhek dks 1 djksM+ #0 vf/kdre dj fn;k x;k gSA

ifji= la[;k&PER/ER-A/126-2016 fnukad&20-04-2016 ds vuqlkj dksbZ Hkh deZpkjh vc lh/ks ljdkj@mPp vf/kdkjh@ZM/MD/ps;jeSu dks izsf"kr fdlh Hkh f'kdk;r i= dks xEHkhjrkiwoZd fy;k tk,xk vkSj bl lEcU/k esa LVkQ jsxqys'ku 1960 ds fu;eksa ds vUrxZr lEcfU/kr deZpkjh ij dk;Zokgh Hkh dh tk ldrh gSA

izcU/ku ds le{k vU; yfEcr ekeys&izcU/ku ds le{k vU; yfEcr ekeys&izcU/ku ds le{k vU; yfEcr ekeys&izcU/ku ds le{k vU; yfEcr ekeys&

laxBu usr`Ro lrr~ #i ls fuEu fcUnqvksa ds lek/kku ds fy, izcU/ku ds le{k iSjoh dj jgk gS&

1- ,ykVesUV ifji= dh iquZleh{kk] fo'ks"k #i ls usV ,Mh'ku dks iw.kZ#is.k lekIr fd;k tk,A

2- dkeu vkijs'kuy ,fj;k ds vUrxZr fdlh Hkh 'kk[kk esa tek fd, x, O;olk; dh ØsfMV gsrq ifji=A

3- 'kk[kkvksa@lsVsykbZV dk;kZy;ksa esa lHkh fodkl vf/kdkfj;ksa gsrq PC

4- gj fodkl vf/kdkjh gsrq fuxe if=dk ;ksx{kse dh vkiwfrZ

5- CLIA dh Likml ,tsUlh

6- Dykl&1 vf/kdkfj;ksa dh Hkkafr izR;sd fodkl vf/kdkjh gsrq eksckby gSaMlsV

7- yksdkLV dkj ,Mokal esa C;kt dk la{keuA

8- ABM(s) in ij inksUufr gsrq vgZrk esa fj;k;rA

bl chp ,fj;k vksifuax rFkk rRlEcU/k esa O;olk; ØsfMV fn, tkus dh gekjh ekax ds fujkdj.k gsrq lq>ko nsus ds fy, dsUnzh; dk;kZy; us ,d lfefr dk xBu fd;k gS] bl lfefr ds lq>ko izkIr gksus ds ckn dsUnzh; dk;kZy; ifji= tkjh djsxkA

,d FSE dh ;kfpdk ij enzkl mPp U;k;ky; us vUrfje batsD'ku tkjh dj ABM(s) in ij izksUufr dh vf/klwpuk ij jksd yxk nh Fkh ;g batsD'ku fnukad&21-01-2016 dks oSdsV gks x;k blds ckn izcU/ku }kjk ABM(s) in ij izksUufr gsrq vf/klwpuk tkjh dj nhA

psUubZ psUubZ psUubZ psUubZ vkelHkk ,oa rRi'pkr~&vkelHkk ,oa rRi'pkr~&vkelHkk ,oa rRi'pkr~&vkelHkk ,oa rRi'pkr~&

laxBu dh 27oha vkelHkk fnukad&15 ,oa 16 Qjojh] 2016 dks psUubZ esa nf{k.k {ks= ds la;kstdRo esa lEiUu gqbZ] psUubZ dh vkelHkk fulansg ,d HkO;re vkelHkk Fkh ftlesa ,d cgqr cM+h la[;k esa ¼yxHkx 3200½ iwjs ns'k ds dksus&dksus ls gekjs lnL;ksa us Hkkx fy;k] bl vk;kstu dk HkO;re mn~?kkVu l=] mRd`"Vre O;oLFkk ,oa fo'ks"k #i ls vk;kstu LFky psUubZ VªsM lsUVj fulansg gh mn~Hkqr vkSj vf}rh; jghA

egklfpo us ogk¡ ij ,d cgqr gh foLr`r vkSj yEch fjiksVZ lnu ds le{k muds fopkj.k gsrq izLrqr dh ftl ij dqy 128 lnL;ksa us fjiksVZ@vksiu Qksje esa vius fopkj izLrqr fd,] lnL;ksa dks tokc nsrs gq, egklfpo us viuh ckr lekIr dh rRi'pkr~ lnu esa fcuk fdlh la'kks/ku ds egklfpo ds izfrosnu dks vuqeksfnr dj fn;k] blds i'pkr~ lnu us vk; ,oa O;; ys[kk izfrosnu dks Hkh ,der ls Lohdkj dj fy;kA bl vke lHkk esa iwoZ egklfpo dkejsM th0oh0,l0 euh ds lEeku esa eq[; vfrfFk Jh fdjhV lkseS¸;k ekuuh; lkaln us ,d Mkd fVdV Hkh tkjh fd;k] bl vkelHkk esa NEC lnL;ksa gsrq ,d jaxhu MkbjsDVjh Hkh tkjh dh xbZA bl lHkk esa gekjs vusd iwoZorhZ usrkx.kksa us Hkh mifLFkr gksdj viuk vk'khokZn fn;k vkSj dbZ izeq[k ekuuh; lkalnksa us lEcksf/kr Hkh fd;kA laxBu ds nks&rhu n'kdksa ds bfrgkl esa igyh ckj bl loksZPp lnu esa l= 2016&18 gsrq fuEufyf[kr inkf/kdkfj;ksa dk fufoZjks/k fuokZpu ,der ls fd;k&

v/;{k & dkejsM fefgj yks[kaMokyk i0{ks0

mik/;{k & dkejsM latho dqekj xqIrk m0{ks0

egklfpo & dkejsM foosd flag m0e0{ks0

lglfpo & dkejsM ,l0 vkuUn n0{ks0

lglfpo & dkejsM v#.k dqekj iw0e0{ks0

LFkkuh; lfpo fnYyh & dkejsM jkts'k dqekj xqIrk m0{ks0

LFkkuh; lfpo eqEcbZ & dkejsM Mh0ih0 ;kno i0{ks0

LFkkuh; lfpo (IRDA) & dkejsM lh0 eaxkifr jko n0e0{ks0

dks"kk/;{k & dkejsM vkj0ds f=ikBh m0e0{ks0

jk"Vªh; dk;Zdkfj.kh ,oa dsUnzh; lfpoky; cSBd&jk"Vªh; dk;Zdkfj.kh ,oa dsUnzh; lfpoky; cSBd&jk"Vªh; dk;Zdkfj.kh ,oa dsUnzh; lfpoky; cSBd&jk"Vªh; dk;Zdkfj.kh ,oa dsUnzh; lfpoky; cSBd&

leh{kk/khu vof/k esa ,d jk"Vªh; dk;Zdkfj.kh cSBd psUubZ esa vkelHkk ds Bhd iwoZ fnukad&14 Qjojh 2016 dks lEiUu gqbZ ftlesa vkelHkk esa izLrqr izfrosnu dks lnu us Lohd`r vkSj vuqeksfnr djus ds lkFk gh dsUnzh; lfpoky; eqEcbZ ds ysoh lEcU/kh fu.kZ; #0 3000@&] #0 2000@& vkSj #0 1000@& tks fd lsok vof/k ij fu/kkZfjr gksxh dks Hkh vuqeksfnr dj fn;kA

dsUnzh; lfpoky; dh cSBd Hkh fnukad&13 Qjojh 2016 dks lEiUu gqbZ mlesa Hkh lnu us egklfpo ,oa dks"kk/;{k dh fjiksVZ dks vuqeksfnr vkSj Lohd`r fd;kA

fnukad&15 ,oa 16 Qjojh 2016 dks psUubZ esa vfnukad&15 ,oa 16 Qjojh 2016 dks psUubZ esa vfnukad&15 ,oa 16 Qjojh 2016 dks psUubZ esa vfnukad&15 ,oa 16 Qjojh 2016 dks psUubZ esa vk;ksftr 27oha vkelHkk us fuEufyf[kr ladYi fd,&k;ksftr 27oha vkelHkk us fuEufyf[kr ladYi fd,&k;ksftr 27oha vkelHkk us fuEufyf[kr ladYi fd,&k;ksftr 27oha vkelHkk us fuEufyf[kr ladYi fd,&

� osru iquZfu/kkZj.k ds i'pkr~ fnukad&01-04-2016 ds ckn izkIr ,fj;j ds lek;kstu ds fy, fdlh Hkh fodkl vf/kdkjh ds ewY;kadu dks iquZjhf{kr ugha fd;k tk,xkA

� fnukad&01-04-2015 ls fnukad&31-03-2016 ds e/; izkIr ,fj;j dk ek= 30% gh osru iquZfu/kkZj.k ds ckn izkjEHk gksus okys ewY;kadu esa tksM+k tk,A

� vof/k dks /;ku esa j[ks fcuk izR;sd ;kstuk dh izFke fd'r dh 'kr&izfr'kr ØsfMV fodkl vf/kdkjh dks izkIr gks rFkk ykxr fu/kkZj.k gsrq ,dy fd'r ;kstuk esa Hkh 'kr&izfr'kr ØsfMV nh tk,A

� ykxw dh tkus okyh izksRlkgu cksul ;kstuk esa vf/kla[; fodkl vf/kdkfj;ksa dks lfEefyr fd;k tk, lkFk gh bl ;kstuk esa xzsMsM ØsfMV rFkk f}rh; o"kZ ySIlslu dks lekIr fd;k tk, rFkk vfrfjDr okgu HkRrk foi.ku O;; izfriwfrZ ;kstuk ykxw fd;k tk;sA

� Hkk0th0ch0 fuxe }kjk bZ&ikfylh yk, tkus ds fu.kZ; ds izfr iwjh vkelHkk us ,der ls viuk jks"k vkSj fojks/k O;Dr fd;kA

� lnu us ;g Hkh fu.khZr fd;k fd ;fn Hkfo"; esa fuxe }kjk ;wfuV ehfVax gsrq iqu% 'krksZa okyh dksbZ ;kstuk ykbZ tkrh gS rks us'kuy QsMjs'ku dk dksbZ Hkh lnL; mlesa Hkkx ugha ysxkA

� ;g vkelHkk Jh vkj0 t;izdk'k ds fuyacu ds fu.kZ; dh laLrqfr djrs gq, ekU; fd;k vkSj tkucw>dj laxBu ds egRoiw.kZ nLrkost] vkSj ys[kk i=dks dks okil u djus rFkk laxBu dh 1-30 djksM+ dh ,Q0Mh0 dks okjk.klh LFkkukUrfjr u djus gsrq cSad dks funsZf'kr djus] laxBu ds funsZ'kksa@fu.kZ;ksa dh voekuuk vkSj vogsyuk djus ds dkj.k Jh vkj0 t;izdk'k dks laxBu dh izkFkfed lnL;rk ls fu"dkflr djus dk fu.kZ; loZlEefr ls fd;kA

vkelHkk dh cSBd ds nkSjku] Jh vkj0 t;izdk'k us laxBu dh izkFkfed lnL;rk ls fuyafcr jgus ds ckotwn lnu esa vukf/kdr #i ls] f=osUnze e.My ds lnL;ksa ds lkFk ?kqldj vjktdrk QSykrs gq, vkelHkk dh dk;Zokgh dks ckf/kr djus dk nq"iz;kl fd;k gkykafd ogk¡ ij mifLFkr lnL;ksa ds tcjnLr izfrjks/k ds dkj.k og vius mn~ns'; esa lQy ugha gq,] #"V lnu us loZlEefr ls fu.kZ; fd;k fd vc Jh vkj0 t;izdk'k ls laxBu dh lEifRr;ksa dks okil izkIr djus gsrq gj lEHko fof/kd izfØ;kvksa dh lEHkkoukvksa dks ryk'k djus dk fu.kZ; fd;k rFkk laxBu rFkk gj Lrj ij mlds inkf/kdkfj;ksa ds fgr laj{k.k gsrq fof/kd izfØ;k viukus dk Hkh fu.kZ; fd;kA

The entire house gave a standing ovation to Team Chennai for the excellent arrangements of

the FCM Chennai.

Agents Allotment-Relaxation of Net Addition Condition:- On the request of National

Federation C.O. had relaxed the condition of net addition of agents, vide CO Circular

Mktg/ZD/2015 dated 22.06.2015 for allotment of agents to confirmed Dev officers. “Allotable

Agents after allotment to PDOs (agents becoming direct due to the exit of the Apprentice Dev

Officers and Probationary Dev Officers will be allotted to PDOs subject to a maximum of 5

agents per PDOs) and other allotable agent will be allotted to confirmed Dev Officers provided

there are minimum 15 agents in his organization as at the end of the last completed financial

year (1st

April 2014 to 31st

March 2015) i.e. the condition of net addition 1

agent shall not be mandatory. After proper follow up by our central leadership C.O. has issued

circular dated 02.08.2016 under ref:-Mktg/ZD/28/2016 rules on allotment of agents to

Development Officers- relaxation in the condition of net addition of agents. This relaxation will

be applicable for the financial year 2016-17 only.

RLC:-15th July 2016:- The RLC meeting was held on 15.07.2016 at Cochin. President, Secretary

General, Com.S. Anand AIJS, ZP &ZS (South Zone) attended the meeting. RM (P&IR) (South

Zone represented the Management. RLC wanted to know the current position and

Management representative informed that Special Rules issue was sorted out and GOI has

notified the same. He also informed that Management is discussing all the relevant matters

with National Federation and shall continue to hold discussions with NF. NF informed RLC that

special rules have been notified by GOI, but certain issues are still pending. NF insisted that the

talks with the Management should continue on other issues raised viz., marketing expenses

for procurement of business, pension to Dos terminated due to work norms and automatic

absorption to cl III. RLC said the issue is discussed for a long time and cannot continue for

more time. She insisted that Management should have discussions with the NF and settle the

issues soon. Management representative agreed for the same. RLC also informed that, for any

further arbitration, National Federation can represent CLC any time.

Reinstatement of Agency in the 6th

Agency year:-C.O. has issued the Circular dated

31.03.2016 under Ref: Mktg/ZD/07/2016 that deserving 1st termination cases may be allowed

in the 6th

agency year if it comes for reinstatement beyond 12 months but within 24 months

from the date of termination on the same line as reinstatement in 5th

agency year.

RCA’s & CCA’s with 100% credit - As already informed to you vide N.F letter Sec.Gen/11/16-18

that N.F had demanded for increase in stipend for RCA’s & CCA’s with 100% credit of CCA’s to

D.O’s. We are happy to inform that our long pending demand has been accepted and C.O had

issued circular Ref/Mktg./ZD/ 31/2016 Dt.22.08.2016 and Ref/Mktg./ZD/ 32/2016

Dt.22.08.2016 enhancing stipend for RCA’s and CCA’s respectively. The revised monthly

stipend of CCA’s (for new and existing ones with effect from 1.9.2016) shall be Category I cities

Rs.7000 p.m and other cities Rs.6000 p.m. A PDO/CDO can recruit Stipendiary Agents

equivalent to 25% of their total number of agents in his agency organization subject to

maximum of 20 agents.

Development Officers will get full credit of the business booked by the CCA’s provided the CCA

earns stipend for all the twelve months. The revised monthly stipend of RCA’s (for new and

existing ones with effect from 1.9.2016) shall be 1st year Rs.5000 p.m and 2nd year Rs.4000

p.m. An ADO/PDO/CDO can recruit Stipendiary Agents equivalent to 25% of their total number

of agents in his agency organization subject to a maximum of 20 Agents. The cut-off date for

deciding total number of agents shall be taken as the last day of the previous month.

Qualification for Agency was also made as X std or its equivalent whether it is rural or urban. It

is a very useful change which gives our members in urban areas an opportunity to recruit

agents with X std qualification.

MBG:-

LIC has issued circular regarding Board Approved Policy on Agency Matters 2016-17.

Cir.CO/Mktg./A/ZD/33/2016 Dt.22.8.2016. The MBG condition is as already informed by the

NFIFWI. Rs.1 Lakh premium or 12 Lives or 6 Lives and Rs.50000 premium. The stiff MBG

conditions were introduced in the year 2008. Lakhs of Agents were terminated since then.

Revision of MBG conditions was very vital to the Organisation. It was such an important issue

as modification of Special Rules. NF was very strongly pursuing the matter at all forums, viz

Management, IRDA and Government. It was one of the primary agenda during all discussions.

The circular on revision of MBG will be a great relief to our members. It is very significant

achievement of the Organisation.

Organisation Round-Up: - The Office bearers of Central Federation after the FCM Chennai

have attended & addressed many Organisational events. President Com. Mihir Lokhandwala

has attended many General Body of various Divisions across the Country. Secretary General

apart from consistent visit to CO, have attended many General Body Meetings and trade union

workshops of Divisions. The other All India office bearers have also attended the General

Body, Trade union work shop of many Divisions of their respective Zones and addressed the

members.

In response to the call given by the Central federation and to express our deep sense of

anguish & dissatisfaction regarding notification of GOIBS 2015, comrades participated in the

lunchtime demonstration program at every Branch/Divisional/Zonal headquarters including

Central Office Mumbai on 25th of May 2016 & submitted the memorandum addressed to

Chairman.

NF salutes all its Members/Branch/Divisional/Zonal/Central Office Bearers for their efforts,

support, and commitment to make this program a grand successful one. Salute to you all for

your loyalty towards the organisation.

Organisation discipline: - In the recently held Zonal Executive Meeting of South Zone held at

Yercaud (Salem) on 27-28 July 2016, the leadership of Trivandrum Divisional Association has

been disassociated from National Federation. The decision was taken after the Divisional

President & General Secretary of Trivandrum Division walked out of the meeting without

giving written assurance to the Zonal Federation that the Trivandrum leadership will withdraw

the court case filed against the Organisation (National Federation). The Divisional leadership

was continuously inviting Mr. R. Jayprakash to all the Organisation events & functions

including NF trust meeting. Com. Babu Rajan has filed a petition not only against NF, but also

against SG. In spite of apologising to the NEC for filing a petition to RLC, Trivandrum, Com Babu

Rajan on behalf of Trivandrum Division has once again filed a petition to RLC, Cochin. Earlier

Com Babu Rajan filed an RTI petition to LIC Management to confirm the presence of Chairman

in the NF meeting. South Zone Federation in the ZEC meeting wanted a written assurance from

Com. Babu Rajan that he shall not indulge in these types of activities further. Both the Division

President & Secretary walked out of the ZEC meeting without giving a written assurance.

Hence the ZEC took a decision to disassociate Trivandrum Division leadership with immediate

effect and sent an intimation to Central Federation. (Copy Enclosed) Based on the decision

taken by ZEC (SZ) the undersigned informed the current leadership of Trivandrum Division that

it cannot participate in the NEC meeting.

All the steps were taken only to ensure that Trivandrum Division adheres to the Organisation

discipline and does not indulge in any activity which is against the directives of the

Organisation. But the leadership of Trivandrum Division continued to indulge in many anti

Organisational activity even after the ZEC (SZ) direction. Mr. R. Jayprakash (expelled member)

was allowed to issue a notice on behalf of the NF trust of Trivandrum to all the trustees or

Board members what so ever. When the issue was raised by certain members, Com.Babu

Rajan informed that Mr. R. Jayprakash continues to be the member of NF. He continues to

wilfully & habitually misguide the members of Trivandrum Division against the higher

leadership. He continues to be the admin of many social media groups which has many non

members of NF and postings abusing the Organisation, its achievements and the leadership.

The communication of the SG or the ZS is not communicated to the grass root members in

particular.

The Organisation which has around 20000 thousand Development Officers and 114 Division is

paramount. A single Division leadership cannot hijack the Organisation. The members of

Trivandrum Division are deprived from truth full messages and misguided thoroughly. The

Organisation cannot merely & mutely watch the happenings at Trivandrum Division. The

interests of the members of Trivandrum Division should be safe guarded & protected. Based

on the decision of ZEC(SZ) and based on the subsequent anti Organisation activity of the

leadership of Trivandrum, as per the section 16 C (i) of the constitution it is proposed to the

NEC (as per section 13 B (ii) ) that the current Division Leadership Com Sajila Krishnan,

President & Com Babu Rajan General Secretary, Trivandrum Division are hence forth

derecognised to act as President & General Secretary with immediate effect as per the

provision of section 13 B (v) of our constitution. .

It has also come to our notice that in few Divisions, certain members have approached court of

law against the show cause notice issued by the Management for termination under work

norms. Few members who have approached court of law against their termination have

fought Organisation elections in some Divisions. It is hereby proposed that no member who

has approached court of law on their own, especially on the issue of termination under work

norms shall not be eligible to contest organisational elections and shall not continue in any

Organisational Posts.

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NFIFWI/ 29 /2010-12 -20th

December 2010

The Chairman

Life Insurance Corporation of India Central office, ‘Yogkshema’,Mumbai.

Ref: Wage Revision notification dated 8th

October 2010 and Administrative Instructions dtd 11th

October 2010

Dear Sir,

We appreciate the good wage revision which was finalized for the employees of LIC as a

whole and Development officers cadre in particular. However there are many aspects and points

which were not considered by the management. There are some grave consequences which are

affecting the Development officers adversely. We were assured by the management that all the

adverse effects would be redressed. We place before you the following for your kind

consideration

1. We have been granted only 50% of our wage arrears from 1.08.2007 upto 31.03.20010 as

relief from cost under special rules 2009.

2. We have been representing to LIC of India and the Ministry of Finance, Government of India

for exempting 100% of our wage arrears from costing as relief.

3. There is gross injustice inflicted on the Development officers by not granting 100% relief on

wage arrears. Another injustice is that the relief of 50% wage arrears being exempted from

cost is not made applicable for the arrears from 01.04.2010 upto 08.10.2010 (date of

notification).

4. Another injustice inflicted which is unfair and illogical is that the Auditors are reopening

the appraisals settled upto October 2010 and recovering huge amounts. The notification

clearly states that the wage revision will not adversely affect the employee. In reality it is

contradicting and adversely affecting the Development officer. There is total unfairness

when the Development officer is adversely affected without being given an opportunity to

work for the arrears in the relevant appraisal year. The Development officers on the

border line of various benchmarks slip down in cost and get penalized. These rules are

creating situations which is unfair, unjustified and in violation of the principles of natural

justice.

5. This is why our Logic was that the 100% arrears should be exempted from costing as there is

no fair opportunity to work to bring the cost for the arrears and secondly when even if 50%

of the arrears is taken into costing it burdens the Development officer where the cost is

increased beyond the reasonable benchmark stated in the Special Rules.

6. We call upon the management to immediately stop the a) harassment of reopening of

appraisals and effecting recoveries b) Grant exemption on arrears upto the date of

Notification c) Grant relief of exemption from costing for the 100% of Arrears. d) Grant relief

of 5% in the cost ratio benchmark and waive all adverse effects due to increased burden of

cost norm.

Requesting you to kindly consider the above demands and do the needful to give us a solution at

the earliest.

With Best Wishes and Regards-Yours Sincerely -Secretary General

Historical circular issued by CO giving relief to all the Development

Officers (affected due to the recent wage revision arrears) for

whom penalties viz., Termination, Stagnation Increment,

Promotions & eligibility for Vehicle Advances were imposed as per

the service rules. This circular is a very significant achievement and

breakthrough for National Federation.

NFIFWI/11/2010-12

25th

May 2010

The Chairman

Life Insurance Corporation of India Central Office, ‘Yogakshema’,Mumbai-400 021

Ref: CO/HPF/735 dated 04.03.2010 and Discriminatory Anomalies in Increase of Housing Loan

Dear Sir,

This is with reference to the increase in quantum of Housing loan vide circular bearing number CO/HPF/735

dated 04.03.2010 and anomaly in Increase of Housing Loan.

We place our sincere appreciation for the decision on much awaited increase in

housing loan. We had represented with regard to the anomalies in the circular, which

is discriminatory to the class of Development officers. The increase to Development

officers (Class II ) has been 100% in total quantum compared to higher increase of

110% to 125 % for Class I. Secondly, the proportionate cadre loan had to be Rs.6lakhs

which is only Rs.5.50 lakhs as per the circular.

We request you to kindly examine our representation and do the needful to rectify the above said anomalies in

the Housing loan.

Requesting your kind consideration

With best wishes and regards,

Yours sincerely

Secretary General

Levi 2010 Wage Revision 1.5% GROSS ARRIER

ALL INDIA-.4%- ZONE-.4%- DIVISION-.7%

Minimum GROSS ARRIER-70,000(TOTAL LEVI-1050/)

MAXIMAM GROSS ARRIER-350000(TOTAL LEVI-4250/)

Levi 2016 Wage Revision

The amount will be Rs 1000/- per member for less than

5 years service,

Rs. 2000/- per members for 5-10 years of service &

Rs. 3,000/- per member for more than 10 years service.

The amount of levy collected from the members would

Be distributed at the ratio of 15%: 35%: 50% in between

CF, ZF and Divisional Federation.

Minimum GROSS ARRIER-150000/

MAXIMAM GROSS ARRIER-575000/