आईआरडीएआई वार्षिक रिपोर्ट / IRDAI Annual Report 2024-25

Read or download the official PDF of this gazette notification issued by the Insurance Regulatory And Development Authority on 30th December 2025.

Official Gazette Notification Text

Official Transcript

dm{f©H$ [anmoQ>© 2024-25 ^maVr¶ ~r‘m {d{Z¶m‘H$ Am¡a {dH$mg àm{YH$aU àYmZ H$m¶m©b¶: gd} g§. 115/1, ’$mBZo§{e¶b {S>pñQ´>³Q> ZmZH$am‘JwS>m, JÀMr~mCbr, h¡Xam~mX-500 032, ^maV ’$moZ: +91-4020204000 i`h [anmoQ>© ~r_m {d{Z`m_H$ Am¡a {dH$mg àm{YH$aU (dm{f©H$ [anmoQ>©-[aQ>Z©, {ddaU Am¡a AÝ` {ddaU àñVwV H$aZm) {Z`_, 2000 Ho$ àmê$n Ho$ AZwê$n h¡& iiiv{df`-gyMr {_eZ {ddaU xix àm{YH$aU Ho$ gXñ` xxi AmB©AmS>uEAmB© Ho$ d[að> A{YH$mar xxiii ^mJ - I Zr{V`m± Am¡a H$m`©H«$_ I.1 gm_mÝ` Am{W©H$ dmVmdaU H$s g_rjm 7 I.2 ~r_m ~mµOma H$m _yë`m§H$Z 10 I.3 n§OrH¥$V ~r_mH$Vm©Am|/nwZ~u_mH$Vm©Am| H$s g§»`m Am¡a {ddaU 25 I.4 ~r_m ~mOma H$m {dH$mg H$aZo Ho$ {bE Zr{V`m± Am¡a Cnm` 26 I.5 ~r_mH$Vm©Am| Ûmam H$s JB© AZwg§YmZ Am¡a {dH$mg J{V{d{Y`m± 28 I.6 g_rjm 30 I.6.1 nm°{bgrYmaH$m| Ho$ {hVm| H$s gwajm 30 I.6.2 ~r_mH$Vm©Am| Ho$ emoYZ-j_Vm H$m AZwaŠeU 32 I.6.3 nwZ~u_m H$s {ZJamZr 33 I.6.4 ~r_mH$Vm©Am| Ho$ {Zdoe H$s {ZJamZr 36 I.6.5 gmYmaU Am¡a ñdmñÏ` ~r‘mH$Vm©Am| H$m ñdmñÏ` ~r‘m ì`dgm` 39 I.6.6 J«m_rU Am¡a gm_m{OH$ joÌ _| {H$E OmZo dmbo ì`dgm` H$m {d{Z{X©ï> à{VeV 46 I.6.7 boIm Am¡a ~r_m§{H$H$ _mZH$ 48 I.6.8 àm{YH$aU Ûmam Omar {H$`o J`o {ZXoe, AmXoe Am¡a {d{Z`_ 48 I.6.9 àm{YH$aU Ûmam àË`m`mo{OV e{º$`m± Am¡a H$m`© 48 I.6.10 ~r_m ~mOma Ho$ H$m`©MmbZ go g§~§Y aIZodmbr AÝ` Zr{V`m± Am¡a H$m`©H«$_ 49 ^mJ II H$m`©àUmbr Am¡a n[aMmbZmo H$s g_rjm II.1 ~r_m Am¡a nwZ~u_m H§$n{Z`m| H$m {d{Z`_Z 61 II.2 ~r_m ì`dgm` Ho$ gmW g§~Õ ~r_m EO|Q> Am¡a ~r_m _Ü`dVu 63 II.3. ~r_m {ejU go g§~Õ ì`mdgm{`H$ g§ñWmZ 74 II.4 dmX, Anrb| Am¡a AÝ¶ Ý`m`b`m| Ho$ {ZU©` 77 II.5 ~r_m _| A§Vaamï´>r` gh`moJ 78 II.6 {eH$m`V| 81 II.7 gbmhH$ma g{_{V`m| H$s H$m`©-nÕ{V 84 II.8 bmoH$nmb H$s H$m`©-nÕ{V 85 II.9 ~r_m g§K Am¡a ~r_m n[afX| 86 II.10 ~r_m ~mOma go g§~§{YV AÝ` J{V{d{Y`m± 87 vii^mJ III àm{YH$aU Ho$ gm§{dYrH$ Am¡a {dH$mgmË_H$ H$m`© III.1 AmdoXH$ H$mo n§OrH$aU à_mUnÌ H$m {ZJ©_, Eogo n§OrH$aU H$m ZdrH$aU, AmemoYZ, àË`mhaU, {Zb§~Z AWdm {ZagZ 95 III.2 nm{bgr Ho$ g_ZwXoeZ, nm{bgrYmaH$m| Ûmam Zm_m§H$Z, ~r_m`mo½` {hV, ~r_m Xmdo H$m {ZnQ>mZ, nm{bgr Ho$ Aä`{n©V _yë` Am¡a ~r_m g§{dXmAm| H$s AÝ` eVm] go g§~§{YV _m_bm| _| nm{bgrYmaH$m| Ho$ {hVm| H$m g§ajU Am¡a {eH$m¶V {ZdmaU 95 III.3 _Ü`d{V©`m| AWdm ~r_m _Ü`d{V©`m| Am¡a EO|Q>m| Ho$ {bE Amdí`H$ `mo½`VmE±, AmMaU g§{hVm Am¡a ì`mdhm[aH$ à{ejU {d{Z{X©ï> H$aZm 96 III.4 gd}jH$m| Am¡a hm{Z {ZYm©aH$m| Ho$ {bE AmMaU-g§{hVm {d{Z{X©ï> H$aZm 96 III.5 ~r_m ì`dgm` Ho$ g§MmbZ _| H$m`©Hw$ebVm H$mo ~‹T>mdm XoZm 96 III.6 ~r_m Am¡a nwZ~u_m ì`dgm` Ho$ gmW g§~Õ ì`mdgm{`H$ g§JR>Zm| H$m g§dY©Z Am¡a {d{Z`_Z H$aZm 107 III.7 A{Y{Z`_ Ho$ à`moOZm| Ho$ H$m`m©Ýd`Z Ho$ {bE ewëH$ Am¡a AÝ` à^ma bJmZm 107 III.8 ~r_mH$Vm©Am|, _Ü`d{V©`m|, ~r_m _Ü`d{V©`m| Am¡a ~r_m ì`dgm` go g§~Õ AÝ` g§JR>Zm| H$s boIm-narjm g{hV CZgo gyMZm _m±JZm, CZH$m {ZarjU H$aZm, CZH$s Om±M Am¡a AÝdofU Ho$ H$m`© H$m g§MmbZ H$aZm 108 III.9 ~r_m A{Y{Z`_, 1938 (1938 H$m 4) H$s Ymam 64`y Ho$ AYrZ àewëH$ gbmhH$ma g{_{V Ho$ Ûmam BVZm {Z`§{ÌV Am¡a {d{Z`{_V Zht {H$`o OmZodmbo gmYmaU ~r_m ì`dgm` Ho$ g§~§Y _| ~r_mH$Vm©Am| Ûmam àñVm{dV H$s OmZodmbr Xam|, bm^m|, {Z~§YZm| Am¡a eVm] H$m {Z`§ÌU Am¡a {d{Z`_Z 109 III.10 Cg ê$n Am¡a VarHo$ H$mo {d{Z{X©ï> H$aZm {Og_| ~r_mH$Vm©Am| H$mo AÝ` ~r_m _Ü`d{V©`m| Ûmam boIm-~{h`m± aIr OmE±Jr VWm boIm-{ddaU àñVwV {H$`o OmE±Jo 110 III.11 ~r_m H§$n{Z`m| Ûmam {Z{Y`m| Ho$ {Zdoe H$m {d{Z`_Z 110 III.12 emoYZ-j_Vm ‘m{O©Z Ho$ AZwajU H$m {d{Z`_Z 111 III.13 ~r_mH$Vm©Am| Am¡a _Ü`d{V©`m| AWdm ~r_m _Ü`d{V©`m| Ho$ ~rM {ddmXm| H$m Ý`m`{ZU©`Z 112 III.14 J«m_rU Am¡a gm_m{OH$ joÌ _| ~r_mH$Vm©Am| Ûmam {H$`o OmZodmbo OrdZ ~r_m ì`dgm` Ho$ à{VeV H$mo {d{Z{X©ï> H$aZm 113 viii^mJ IV g§JR>ZmË_H$ _m_bo IV.1 g§JR>Z 117 IV.2 _mZd g§gmYZ 119 IV.3 amO^mfm H$m g§dY©Z 123 IV.4 gyMZm àm¡Úmo{JH$s 126 IV.5 boIm 128 IV.6 Am^ma-àXe©Z 128 ~m°Šg _X I.1 ~r‘m-EEg~rE (~r‘m-ãbm°H$ H$s JB© am{e Ûmam g‘{W©V AmdoXZ)- nmaX{e©Vm ~‹T>mZm Am¡a àr{‘`‘ g§J«h ‘| {dœmg ~‹T>mZm 27 I.2 ~ohVa g‘Ýd` Am¡a gyMZm AmXmZ-àXmZ Ho$ {bE E’$AmB©`y-AmB©EZS>r Am¡a AmB©AmaS>rEAmB© Ho$ ~rM g‘Pm¡Vm kmnZ 51 II.1 ^maVr¶ ~r‘m joÌ H$m ‘yë¶m§H$Z: E’$EgEnr 80 III.1 gmYmaU ~r‘m CËnmXm| g§~§Yr ‘mñQ>a n[anÌ Ho$ ‘mÜ`‘ go IwXam nm°{bgrYmaH$m| H$m geº$sH$aU 103 III.2 nm°{bgrYmaH$m| Ho$ {hVm| Ho$ g§ajU g§~§Yr ‘mñQ>a n[anÌ, 2024 106 gmaUr ^mJ I gmaUr I.1 dmñV{dH$ gH$b Kaoby CËnmX ‘| d¡{œH$ d¥{Õ 7 gmaUr I.2 ^maV H$s amï´>r` Am` H$m AZw‘mZ 8 gmaUr I.3 Am{W©H$ J{V{d{Y Ûmam gH$b ‘yë` d{Y©V (OrdrE) H$m AZw‘mZ 8 gmaUr I.4 Kaoby joÌ H$s {dÎmr` ~MV 10 gmaUr I.5 2024 ‘| Xw{Z`m ‘| joÌ Ho$ AZwgma dmñV{dH$ àr{‘`‘ ‘| d¥{Õ 11 gmaUr I.6 2024 ‘| Xw{Z`m ‘| joÌ Ho$ AZwgma àr{‘`‘ H$s ‘mÌm 11 gmaUr I.7 ~r‘m n¡R> - ^maV ~Zm‘ {dœ (% Am`w) 12 gmaUr I.8 ~r‘m gKZVm - ^maV ~Zm‘ {dœ (`yEgS>r) 12 ixgmaUr I.9 OrdZ ~r‘mH$Vm©Am| H$m ì`mdgm{`H$ H$m¶©{ZînmXZ 15 gmaUr I.10 OrdZ ~r‘mH$Vm©Am| H$m {dÎmr` H$m¶©{ZînmXZ 17 gmaUr I.11 OrdZ ~r‘mH$Vm©Am| Ho$ dmñV{dH$ ‘¥Ë`w Xmdo 18 gmaUr I.12 gmYmaU, ñdmñÏ` Am¡a {deofrH¥$V ~r‘mH$Vm©Am| H$m ì`mdgm{`H$ H$m¶©{ZînmXZ 19 gmaUr I.13 gmYmaU, ñdmñÏ` Am¡a {deofrH¥$V> ~r‘mH$Vm©Am| H$m {dÎmr` H$m¶©{ZînmXZ 21 gmaUr I.14 gmYmaU, ñdmñÏ` Am¡a {deofrH¥$V ~r‘mH$Vm©Am| H$m I§S>-dma {H$E JE Xmdm| H$m AZwnmV 22 gmaUr I.15 gmYmaU ~r‘mH$Vm©Am| Ho$ Ûmam ^wJVmZ {H$E JE ì`dgm`-ì¶dñWm-dma Xmdo 23 gmaUr I.16 OrdZ ~r‘mH$Vm©Am| Ho$ H$m`m©b` 24 gmaUr I.17 gmYmaU, ñdmñÏ` Am¡a {deofrH¥$V ~r‘mH$Vm©Am| Ho$ H$m`m©b` 25 gmaUr I.18 n§OrH¥$V ~r‘mH$Vm© Am¡a nwZ~u‘mH$Vm© {H$ g§»¶m 25 gmaUr I.19 gmYmaU Am¡a ñdmñÏ` ~r‘mH$Vm©Am| Ho$ Ûmam nwZ~u‘m ñWmnZ 35 gmaUr I.20 gH$b A§{H$V àr{‘¶‘ Ho$ à{VeV Ho$ ê$n ‘| J¡a-OrdZ àË¶j ~r‘mH$Vm©Am| H$m {Zdb à{VYm[aV àr{‘¶‘ 35 gmaUr I.21 ~r‘m CÚmoJ Ho$ {Zdoe (31 ‘mM© VH$ 2025 VH$) 36 gmaUr I.22 31 ‘mM© VH$ OrdZ ~r‘mH$Vm©Am| Ho$ loUr-dma {Zdoe 37 gmaUr I.23 OrdZ ~r‘mH$Vm©Am| Ho$ {Z{Y-dma {Zdoe (31 ‘mM© VH$) 38 gmaUr I.24 gmYmaU, ñdmñÏ` d {deofrH¥$V ~r‘mH$Vm©Am| Am¡a nwZ~u‘mH$Vm©Am| Ho$ {Zdoe: 39 gmaUr I.25 gmYmaU Am¡a ñdmñÏ` ~r‘mH$Vm©Am| Ho$ Ûmam Omo{I‘-A§{H$V ñdmñÏ` ~r‘m àr{‘`‘ 39 gmaUr I.26 gmYmaU Am¡a ñdmñÏ` ~r‘mH$Vm©Am| Ho$ ñdmñÏ` ~r‘m ì`dgm` Ho$ A§VJ©V nm°{b{g`m±, 40 H$da {H$E JE OrdZ Am¡a àr{‘`‘ gmaUr I.27 gmYmaU Am¡a ñdmñÏ` ~r‘mH$Vm©Am| Ho$ ñdmñÏ` ~r‘m ì`dgm` Ho$ A§VJ©V {H$E JE Xmdm| H$m AZwnmV(à{VeV ‘|) 41 gmaUr I.28 gmYmaU Am¡a ñdmñÏ` ~r‘mH$Vm©Am| Ho$ ñdmñÏ` ~r‘m ì`dgm` Ho$ A§VJ©V ^wJVmZ {H$E JE Xmdo (gH$b ‘|) 42 gmaUr I.29 gmYmaU, Am¡a ñdmñÏ` ~r‘mH$Vm©Am| Ho$ ñdmñÏ` ~r‘m ì`dgm` Ho$ A§VJ©V Xmdm| H$s pñW{V 43 gmaUr I.30 OrdZ ~r‘mH$Vm©Am| Ho$ ñdmñÏ` ~r‘m ì`dgm` Ho$ A§VJ©V nm°{b{g`m|, 43 H$da {H$E JE OrdZm| H$s g§»¶m Am¡a àr{‘`‘ gmaUr I.31 OrdZ ~r‘mH$Vm©Am| Ho$ ñdmñÏ` ~r‘m ì`dgm` Ho$ A§VJ©V Xmdm| H$s pñWVr 44 gmaUr I.32 ì`{º$JV XwK©Q>Zm ~r‘m Ho$ A§VJ©V ì`dgm` 44 gmaUr I.33 gaH$ma H$s AJ«{U d¡¶{º$H$ XwK©Q>Zm `moOZmAm| Ho$ A§VJ©V H$daoO 45 gmaUr I.34 {dXoe `mÌm ~r‘m Ho$ A§VJ©V ì`dgm` 45 xgmaUr I.35 Xoer `mÌm ~r‘m Ho$ A§VJ©V ì`dgm` 45 gmaUr I.36 ^maV Ho$ ~mha Omo{I‘-A§{H$V ñdmñÏ`, d¡¶{º$H$ nrE Am¡a `mÌm ~r‘m ì`dgm` 45 ^mJ-II gmaUr II.1 OrdZ, gmYmaU, Am¡a ñdmñÏ` ~r‘mH$Vm©Am| Ho$ gmW g§~§Y ~r‘m EO|Q> 64 gmaUr II.2 OrdZ, gmYmaU, Am¡a ñdmñÏ` ~r‘mH$Vm©Am| Ho$ gmW g§~§Y ~r‘m EO|Q>m| H$m qbJ-dma {dVaU 64 gmaUr II.3 ~r‘m ì`dgm` ‘| g{H«$` H$m°nm}aoQ> EO|Q> (31 ‘mM©, 2025 H$s pñWVr Ho$ AZwgma) 65 gmaUr II.4 OrdZ ~r‘m joÌ ‘| gyú‘ ~r‘m ì`dgm` H$m H$m¶©{ZînmXZ 66 gmaUr II.5 OrdZ ~r‘mH$Vm©Am| Ho$ gyú‘ ~r‘m EO|Q> 66 gmaUr II.6 gmYmaU ~r‘mH$Vm©Am| Ho$ AÝVJV gyú‘ ~r‘m ì¶dgm¶ H$m H$m¶©{ZînmXZ 67 gmaUr II.7 VXZwê$nr àm`moOH$ EO|{g`m| Ho$ nmg nrAmoEgnrEg H$s g§»`m 69 gmaUr II.8 {d{^Þ àm`moOH$ EO|{g`m| Ho$ nmg E‘AmB©EgnrEg H$s g§»`m 69 gmaUr II.9 Omar {H$E JE EgEbE bmBg|gm| H$s g§»¶m 70 gmaUr II.10 OrdZ ~r‘m ZE ì`dgm` àr{‘`‘ ‘| EO|Q>m| Am¡a ‘Ü`dVuAmo H$m A§eXmZ 72 gmaUr II.11 gmYmaU ~r‘m ì`dgm` ‘o§ ~r‘m EO|Q>mo Am¡a ‘Ü`dVuAmo H$m A§eXmZ 73 gmaUr II.12 ñdmñÏ` ~r‘m ‘| ~r‘m EO|Q>m| Am¡a ‘Ü`dVuAmo H$m A§eXmZ (d¡¶{º$H$ XþK©Q>Zm Am¡a `mÌm H$mo N>mo‹S>H$a) 74 gmaUr II.13 2024-25 Ho$ Xm¡amZ Xm¶a {H$E JE ‘m‘bm| H$m {ddaU 77 gmaUr II.14 2024-25 H$s Ad{Y Ho$ {bE {ZnQ>mE JE/Im[aO {H$E JE ‘m‘bm| H$m {ddaU 77 gmaUr II.15 2024-25 Ho$ Xm¡amZ n§OrH¥$V {eH$m`Vm| H$m {dûcofU 82 gmaUr II.16 OrdZ ~r‘mH$Vm©Am| Ho$ {déÕ AZw{MV nÕ{V¶m| g§~§Yr {eH$m`V| 82 gmaUr II.17 ~r‘m ^amogm nmoQ>©b Ho$ AZwgma {eH$m`Vm| H$s pñW{V 83 gmaUr II.18 S>rEAmanrOr nmoQ>©b ‘| n§OrH¥$V Am¡a AmB©AmaS>rEAmB© H$mo ào{fV {eH$m`V| 84 gmaUr II.19 {eH$m`Vm| H$m b§{~V hmoZm 84 ^mJ-III gmaUr III.1 2024-25 Ho$ Xm¡amZ g§nÞ Am°Z-gmBQ> {ZarjUm| H$m {ddaU 108 gmaUr III.2 2024-25 Ho$ Xm¡amZ g‘má Am°Z-gmBQ> Am¡a XyañW {ZarjU {ddaU 109 gmaUr III.3 {Q>ßnUr`mo Ho$ AmYma na H$s JB© {d{Z`m‘H$ H$ma©dmB`m| H$m {ddaU 109 xi^mJ-IV gmaUr IV.1 31 ‘mM© 2025 H$mo àm{YH$aU H$s g§aMZm 118 gmaUr IV.2 àm{YH$aU H$s ~¡R>H|$ 118 gmaUr IV.3 2024-25 Ho$ Xm¡amZ Am`mo{OV àm{YH$aU H$s ~¡R>H$m| H$m {ddaU 118 gmaUr IV.4 AmB©AmaS>rEAmB© ‘| ñdrH¥$V Am¡a dmñV{dH$ ñQ>m’$ g§»`m 119 gmaUr IV.5 AmB©AmaS>rEAmB© ‘| loUr-dma ñQ>m’$ g§»`m 119 gmaUr IV.6 AmB©AmaS>rEAmB© ‘| ñQ>m’$ H$m Am`w-dma {dVaU 120 gmaUr IV.7 AmB©AmaS>rEAmB© ‘| J«oS>-dma ñQ>m’$-g§»`m 120 MmQ>© I.1 2024-25 ‘| dV©‘mZ H$s‘Vm| na `mo{OV gH$b ‘yë` (OrdrE) ‘| joÌm| Ho$ A§em| H$m à{VeV 9 I.2 ^maVr` AW©ì`dñWm ‘| Kaoby ~MV 9 I.3 ^maV ‘| ~r‘m n¡R> 12 I.4 ^maV ‘| ~r‘m gKZVm 13 I.5 2024 ‘| M¶{ZV Xoem| ‘| ~r‘m n¡R> 13 I.6 2024 ‘| M¶{ZV Xoem| ‘| ~r‘m gKZVm 13 I.7 OrdZ ~r‘mH$Vm©Am| H$m Z`m ì`dgm` àr{‘`‘ 14 I.8 OrdZ ~r‘mH$Vm©Am| H$m ZdrZrH$aU àr{‘`‘ 14 I.9 OrdZ ~r‘mH$Vm©Am| H$m Hw$b àr{‘`‘ 14 I.10 OrdZ ~r‘mH$Vm©Am| H$m I§S>dma àr{‘`‘ 15 I.11 OrdZ ~r‘mH$Vm©Am| H$m H$a nümV bm^ 16 I.12 OrdZ ~r‘mH$Vm©Am| Ho$ Ûmam àXÎm bm^ 18 I.13 J¡a-OrdZ ~r‘mH$Vm©Am| Ho$ Ûmam ^maV Ho$ A§Xa Omo{I‘-A§{H$V àr{‘¶‘ 19 I.14 gmYmaU Am¡a ñdmñÏ` ~r‘mH$Vm©Am| H$m n[aMmbZ ì`` 20 I.15 gmYmaU Am¡a ñdmñÏ` ~r‘mH$Vm©Am| Ho$ {Zdb CnJV Xmd| 22 I.16 gmYmaU ~r‘mH$Vm©Am| Ho$ Ûmam (ñdmñÏ` H$mo N>mo‹S>H$a) ^wJVmZ {H$E JE Xmdo 23 I.17 OrdZ ~r‘mH$Vm©Am| Ho$ H$m`m©b`m| H$m ñVadma {dVaU 24 I.18 gmYmaU, ñdmñÏ¶ Am¡a {deofrH¥$V ~r‘mH$Vm©Am| Ho$ H$m`m©b`m| H$m ñVa-dma {dVaU 24 xiiI.19 E’$Ama~r g{hV nwZ~u‘mH$Vm©Am| H$m gH$b nwZ~u‘m àr{‘`‘ 35 I.20 ñdmñÏ` ~r‘m Ho$ àr{‘`‘ ‘| joÌdma A§e 40 I.21 ñdmñÏ` ~r‘m àr{‘`‘ (d¡¶{º$H$ XþKQ>Zm Am¡a `mÌm ~r‘m H$mo N>mo‹S>H$a) H$s àd¥{Îm 40 I.22 ñdmñÏ` ~r‘m Ho$ VhV H$da {H$E JE OrdZ Am¡a àr{‘`‘ (nrE Am¡a `mÌm H$mo N>mo‹S>H$a) 41 I.23 ñdmñÏ` ~r‘m Ho$ A§VJ©V {Zdb CnJV Xmdo 41 I.24 ñdmñÏ` ~r‘m Ho$ A§V©JV CnJV Xmdm AZwnmV H$s àd¥{Îm: joÌ-dma 41 I.25 ñdmñÏ` ~r‘m Ho$ A§V©JV CnJV Xmdm AZwnmV H$s àd¥{Îm: joÌ>-dma 42 I.26 OrdZ ~r‘mH$Vm©Am| H$m ñdmñÏ` ~r‘m àr{‘`‘ 43 II.1 ~r‘m CÚmoJ ‘| d¡`{º$H$ EO|Q>m| H$m qbJ {dVaU 65 II.2 OrdZ ~r‘m d¡`{º$H$ Z`o ì`dgm` àr{‘`‘ ‘| ~r‘m EO|Q>m| Am¡a ‘Ü`d{V©`m| H$m A§eXmZ 72 II.3 OrdZ ~r‘m gm‘y{hH$ Z`o ì`dgm` àr{‘`‘ ‘| EO|Q>m| Am¡a ‘Ü`d{V©`m| H$m A§eXmZ 72 II.4 gmYmaU ~r‘m ì`dgm` ‘| ~r‘m EO|Q>m| Am¡a ‘Ü`d{V©`m| H$m A§eXmZ 73 II.5 ñdmñÏ` ~r‘m ‘| ~r‘m EO|Q>m| Am¡a ‘Ü`d{V©`m| H$m A§eXmZ (d¡`{º$H$ XwK©Q>Zm Am¡a `mÌm H$mo N>mo‹S>H$a) 74 II.6 OrdZ ~r‘m {eH$m`Vm| H$m dJuH$aU 83 II.7 gmYmaU ~r‘m {eH$m`Vm| H$m dJuH$aU 83 IV.1 AmB©AmaS>rEAmB© ‘| ñQ>m°’$ H$m Am¶w>-dma {dVaU 120 IV.2 AmB©AmaS>rEAmB© ‘| ñQ>m’$ H$m J«oS>-dma {dVaU 120 H$WZ 1 ~r‘m n¡R> H$s A§Vam©ï´>r` VwbZm 131 2 ~r‘m KZËd H$s A§Vam©ï´>r` VwbZm 132 3 OrdZ ~r‘mH$Vm©Am| Ûmam {bpIV àr{‘`‘ 133 4 OrdZ ~r‘mH$Vm©Am| H$m qbŠS> Am¡a Zm°Z-qbŠS> àr{‘`‘ 134 5 OrdZ ~r‘mH$Vm©Am| H$m I§S>dma Hw$b àr{‘`‘ 135 6 OrdZ ~r‘mH$Vm©Am| H$s B{¹$Q>r eo`a ny§Or 136 7 gmYmaU Am¡a ñdmñÏ` ~r‘mH$Vm©Am| H$m gH$b àË`j àr{‘`‘ (^maV Ho$ ^rVa Am¡a ~mha) 137 8 gmYmaU Am¡a ñdmñÏ` ~r‘mH$Vm©Am| H$m I§S>dma gH$b àË`j àr{‘`‘ (^maV Ho$ ^rVa) 138 9 gmYmaU d ñdmñÏ` ~r‘mH$Vm©Am| Am¡a nwZ~u‘mH$Vm©Am| H$s B{¹$Q>r eo`a ny§Or 140 xiii10 gmYmaU Am¡a ñdmñÏ` ~r‘mH$Vm©Am| H$m A{O©V Xmdm AZwnmV (^maV Ho$ ^rVa) 142 11 OrdZ ~r‘mH$Vm©Am| H$s emoYZ j‘Vm H$s pñW{V 143 12 gmYmaU, ñdmñÏ` d {deof ~r‘mH$Vm©Am| Am¡a nwZ~u‘mH$Vm©Am| H$s emoYZ j‘Vm H$s pñW{V 144 13 {dXoer nwZ~u‘mH$Vm©Am| (FRBs) H$s emImAm| H$s emoYZ j‘Vm 145 14 E’$Ama~r g{hV nwZ~u‘mH$Vm©Am| H$m gH$b nwZ~u‘m àr{‘`‘ 146 15 {dXoer nwZ~u‘mH$Vm©Am| (FRBs) H$s emImAm| H$s Amd§{Q>V ny§Or 147 16 OrdZ ~r‘mH$Vm©Am| Ho$ à~§YZ Ho$ VhV AmpñV¶m± 148 17 gmYmaU, ñdmñÏ`, {deofrH¥$V, Am¡a nwZ~u‘mH$Vm© Ho$ à~§YZ Ho$ AYrZ n[ag§n{Îm¶m§ 151

18. AÜ¶{n©V nwZ~u‘m àr{‘¶‘ H$m ^wJVmZ: I§S>dma 153 AZw~§Y 1 ^maV ‘| H$m`©aV n§OrH¥$V ~r‘mH$Vm©Am|/nwZ~u‘mH$Vm©Am| H$s gyMr (31 ‘mM© 2025 VH$) 157 2(i) ^maVr` ~mOma ‘| AmV§H$dmX OmopI‘ ~r‘m nyb ‘| gXñ`m| H$s {hñgoXmar 159 2(ii) ^maVr` na‘mUw ~r‘m nyb ‘| gXñ`m| H$s {hñgoXmar 160 2(iii) g‘wÐr H$mJm} ~{hîH¥$V joÌ nyb ‘| gXñ`m| H$s {hñgoXmar 161 3 {dÎm df© 2025-26 Ho$ {bE E‘Q>rnr Xm{`Ëdm| Ho$ {ZYm©aU Ho$ {bE {dÎm df© 2024-25 ‘| gm‘mÝ` ~r‘mH$Vm©Am| H$s ‘moQ>a WS©> nmQ>u ~r‘m ~mOma {hñgoXmar 162 4 01 Aà¡b 2024 go 31 ‘mM© 2025 VH$ Omar n[anÌ/AmXoe/{Xem{ZX}e/{ZX}e 163 5 ~r‘m A{Y{Z`‘, 1938 Am¡a AmB©AmaS>rE A{Y{Z`‘, 1999 Ho$ VhV 165 31 ‘mM©, 2025 VH$ ~ZmE JE {Z`‘ 6 OrdZ ~r‘m H§$n{Z`m| Ûmam noe {H$E OmZo dmbo gyú‘ ~r‘m CËnmXm| H$s gyMr (31 ‘mM© 2024 VH$) 171 7 2024-25 Ho$ Xm¡amZ CËnmXm| Am¡a amBS>g© H$s g§»`m 172 8 ~r‘mH$Vm©Am| Am¡a ‘Ü`ñWm| Ho$ {bE ewëH$ g§aMZm Am¡a 2024-25 ‘| EH${ÌV ewëH$ 173 9 {dÎm df© 2024-25 Ho$ Xm¡amZ àm{YH$aU Ûmam bJmE JE Ow‘m©Zo 175 10(i) ^maVr` Amœm{gV OrdZ ‘¥Ë`w Xa (AmB©EEbE‘) 2012-14 178 ‘mZH$ Xa|-nwéf ~r‘mH¥$V OrdZ Omo àma§^ ‘| {M{H$ËgH$s` ê$n go {bpIV hmoVo h¢ 10(ii) ^maVr` d¡`{º$H$ dm{f©H$sJ«mhr H$s ‘¥Ë`w Xa Vm{bH$m (2012-15) g‘J« / g§`wº$ ‘¥Ë`w Xa 179 11 Q>rnrE-dma ZoQ>dH©$ g‘Pm¡Vo 181 xivg{§ jámja EE\$AmBA© ma : E{e`mB © ~r_m {d{Z`_ZH$Vm © _M§ EE_Eb : YZ-emYo Z {ZdmaU EEgEgAmgo rEMEE_ : Egm{ogEQ>So > M~¢ g © Am\° $ H$m_° g © ES§ > BS§ >ñQ>´r Am\° $ B{§S>`m gr~rAma : gr_mnma nZw ~u_mH$Vm© grE\$Q>r : AmVH§ $dmX H$o {dÎmnmfo U H$m _Hw $m~bm H$aZm grAmBA© mB© : ^maVr` CÚmJo n[agK§

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grnrEggr : gm_mÝ` bmHo $ gdo m H$oÝÐ

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OrdrE : gH$b _ëy ` d{YV© AmBE© gr : ~r_m gbmhH$ma g{_{V AmBE© AmBE© g : AV§ aamï>´r` ~r_m n`d© jo H$ gK§ AmBg© rAma : CnJV Xmdm AZnw mV AmBO© rgrgr : AmBA© maS>rEAmB © {eH$m`V H$mb° gQ| >a xvAmBO© rE_Eg : g_pÝdV {eH$m`V à~Y§ àUmbr AmBA© mB~© r : ^maVr` ~r_m gMy Zm ã`ay mo AmBA© mBA© mBE© gEb E : ^maVr` ~r_m gdj} H$ Ama¡ hm{Z {ZYma© H$ gñ§ WmZ AmBA© mBA© maE_ : ~r_m Ama¡ OmpoI_ à~Y§ Z gñ§ WmZ AmBE© _E\$ : ~r_m {dnUZ H$§n{Z`m± AmBE© ZE\$B© : {dÎmr` {ejm g~§ Y§ r AV§ aamï>´r` ZQo >dH$© AmBA© magrQ>rgr : ^maVr` abo d o ImZnmZ Ed § n`Q© >Z {ZJ_ AmBA© maS>rEAmB© : ^maVr` ~r_m {d{Z`m_H$ Ama¡ {dH$mg àm{YH$aU H$oE_nr : à_Iw à~Y§ H$s` H$m{_H© $ H$odmBg© r : AnZ o Jm«hH$ H$m o Om{ZE

EbnrE : bQo >a nQo >Q| > Anrb E_EgrQ>r : _mQo >a XKþ Q© >Zm Xmdm Ý`m`m{YH$aU E_E\$AmB© : gúy _ {dÎm gñ§ WmZ E_AmBE© gnr : _mQo >a ~r_m gdo m àXmVm E_AmAo maQ>rEM : gS‹ >H$ n[adhZ Ama¡ amO_mJ © _Ì§ mb` EZ~rE\$gr : Ja¡ -~q¢H$J {dÎmr` H$§nZr EZgrS>rAmagr : amï>´r` Cn^mºo $m {ddmX {ZdmaU Am`mJo

EZOrAmo : J¡a gaH$mar g§JR>Z

EZAmgo r : AZmn{Îm à_mUnÌ

EZEgAmo : amï>´r` gmp§»`H$s` gJ§ R>Z AmBo g© rS>r : Am{WH© $ gh`mJo Ama¡ {dH$mg gJ§ R>Z nrE‘gr : CËnmX à~Y§ Z g{‘{V nrE_E\$~rdmB© : àYmZ_Ì§ r \$gb ~r_m `mOo Zm nrE_OSo >rdmB© : àYmZ_Ì§ r OZYZ `mOo Zm nrE_OOo ~o rdmB© : àYmZ_Ì§ r OrdZ Á`m{oV ~r_m `mOo Zm nrE_EbE : YZ emYo Z {ZdmaU A{Y{Z`_ nrE_Eg~rdmB : àYmZ_Ì§ r gaw jm ~r_m `mOo Zm nrE_drdrdmB© : àYmZ_Ì§ r d` dX§ Zm `mOo Zm

xvinrAmEo gnr : {~H$«s H$oÝÐ {dH$o«Vm nrEg`y : gmdO© {ZH$ jÌo H$m CnH$«_

AmaEnr : J«m_rU àm{YH¥$V ì`{º$ Ama~rAmB© : ^maVr` [aOd © ~H¢ $ Ama~rEgE\$ : OmpoI_ AmYm[aV n`d© jo r T>mM§ m Ama~rgr : OmpoI_ AmYm[aV nO§y r AmaEgE_ : An{ojV emYo Z j_Vm _m{OZ© AmaQ>rAmB© : gMy Zm H$m A{YH$ma EgEEMAmB© : ñQ>S¢ >-AbmZo ñdmñÏ` ~r_mH$Vm© g~o r : ^maVr` à{V^{yV Ed § {d{Z_` ~mSo >©

EgEMOr : ñd` § ghm`Vm g_hy

EgEbE : gdj} H$ Ama¡ hm{Z {ZYma© H$

Egnrdr : {defo à`mOo Z _mÜ`_ Q>rAmEo bAmBg© r : ZJa amO^mfm H$m`mÝ© d`Z g{_{V Q>rnrE : AÝ` nj à~Y§ H$ `Ey \$~rnr : AZ{wMV ì`dgm` nÕ{V`m/± àWmE± `Ey bAmBn© r : `{yZQ> gh~Õ CËnmX `yEgS>r : A_arH$s S>mba drEbB© : Jm«_ ñVar` CÚ_r xviibú¶ H$WZ (cid:57) nm{° bgrYmaH$m | H$o {hVm | H$m ga§ jU H$aZm VWm CZH$o à{V C{MV ì`dhma g{w Z{üV H$aZm;

(cid:57) Am‘ AmX‘r H$o {hV H$o {bE ~r‘m CÚmJo (dm{fH© $s Ama¡ A{Yd{fV© m g~§ Y§ r ^Jw VmZm | g{hV) H$s Ëd[aV Ama¡ ì`dpñWV gd§ {¥ Õ H$aZm, VWm AWì© `dñWm H$s gd§ {¥ Õ H$s J{V ~T‹ >mZ o H$o {bE XrKH© $m{bH$ {Z{Y`m ± CnbãY H$amZm;

(cid:57) àm{YH$aU {OZH$m {d{Z`‘Z H$aVm h,¡ CZH$s gË`{Zð>m, {dÎmr` gÑw T‹ >Vm, C{MV ì`dhma Ama¡ gj‘Vm H$o Cƒ ‘mZH$m | H$m {ZYma© U, gd§ YZ© , {ZJamZr Ama¡ àdVZ© H$aZm; (cid:57) dmñV{dH$ Xmdm | H$m Ëd[aV {ZnQ>mZ g{w Z{üV H$aZm, ~r‘m g~§ Y§ r YmIo mY{S‹ >`m | Ama¡ AÝ` AZmMmamH| $s amHo $Wm‘ H$aZm VWm à^mdr {eH$m`V {ZdmaU VÌ§ H$s ì`dñWm H$aZm;

(cid:57) ~r‘ o H$o gmW g~§ Y§ aIZdo mb o {dÎmr` ~mOmam | ‘ | {ZînjVm, nmaX{eV© m Ama¡ gìw `dpñWV H$m`g© M§ mbZH$m o ~T‹ >mdm XZo m VWm ~mOma H$o pIbm{S‹ >`m | ‘ | {dÎmr` gÑw T‹ >Vm H$o Cƒ ‘mZH$ bmJy H$aZ o H$o {bEEH$ {dœgZr` à~Y§ gMy Zm àUmbr H$m {Z‘mU© H$aZm;

(cid:57) Ohm ± Ego o ‘mZH$ An`má© h ¢ AWdm Aà^mdr T>J§ g o bmJ y {H$` o J` o h ¢ dhm ± H$mad© mB © H$aZm; (cid:57) {ddHo $nUy © {d{Z`‘Z H$s Anjo mAm | H$o AZêw $n CÚmJo H$o XZ¡ {§ XZ H$m`M© mbZ ‘ | Bï>V‘ n[a‘mU ‘ | ñd-{d{Z`‘Z CËnÞ H$aZm& xix^maVr¶ ~r‘m {d{Z¶m‘H$ Am¡a {dH$mg àm{YH$aU àm{YH$aU H$o gXñ` AÜ`j lr X~o merf nÊS>m (13 ‘mM © 2025 VH$) lr AO` gRo > (1 {gV~§ a 2025 g)o nUy H© $m{bH$ gXñ` (~r‘mH§ $H$) lr à‘mXo H$w‘ma AamS‹o >m nUy H© $m{bH$ gXñ` ({dÎm Ed § {Zdeo ) lr amO` H$w‘ma {gÝhm nUy H© $m{bH$ gXñ` (OrdZ) lr ~r.gr.nQ>Zm`H$ (14 Zd~§ a 2024 VH$) lr ñdm‘rZmWZ Eg Aæ`a (1 ‘B © 2025 g)o nUy H© $m{bH$ gXñ` ({dVaU) lr gË`OrV {ÌnmR>r (24 ‘B © 2024 g)o nUy H© $m{bH$ gXñ` (Ja¡ -OrdZ) lr XrnH$ gXy (20 AJñV 2024 g)o Ae§ H$m{bH$ gXñ` S>m.° ‘mé{V àgmX VpÝJambm (17 Aàb¡ 2025 VH$) Ae§ H$m{bH$ gXñ` lr àemV§ H$w‘ma Jm`o b (17 Aàb¡ 2025 g)o Ae§ H$m{bH$ gXñ` grE aO§ rV H$w‘ma AJd« mb (12 ’$adar , 2025 g)o xxi^m.~r.{d.{d.àm. Ho$ d[að> A{YH$mar (31 ‘mM© 2025 VH$) H$m`©H$mar {ZXoeH$ lr aUXrn qgh J¡a-OrdZ ñdmñÏ` Am¡a Am{W©H$ Ed§ Zr{V {dûcofU d AZwg§YmZ (25.04.2025 VH$) lr‘Vr Oo. ‘rZm Hw$‘mar OrdZ Ed§ n`©dojU lr E.Ama. {ZË`mZ§W‘ gm‘mÝ` àemgZ Ed§ ‘mZd g§gmYZ, {d{Y Ed§ AmB©Q>r _w»` _hmà~§YH$ lr E. a‘U amd gm‘mÝ` àemgZ Ed§ ‘mZd g§gmYZ lr Eg.nr. MH«$dVu ~r‘m§H$Z lr amO Hw$‘ma e‘m© nm°{bgrYmaH$m| H$m g§ajU Am¡a {eH$m`V {ZdmaU Ed§ àdV©Z Am¡a AZwnmbZ lr S>r.dr.Eg. a‘oe ~r‘m g‘mdoe Am¡a {dH$mg lr Or.Ama. gy`m© Hw$‘ma {dÎm d {Zdoe lr nr.Eg. OJÞmW‘ gm‘mÝ` àemgZ Ed§ ‘mZd g§gmYZ (30.11.2024 VH$) lr‘Vr AZrVm Omoñ`wbm ‘Ü`dVu (H$m°nm}aoQ> EO|Q> Am¡a ~«moH$g©) lr Q>r.Eg. Zm`H$ n`©dojU Ed§ Am{W©H$ Ed§ Zr{VJV {dûcofU Am¡a emoY lr gwXrá ^Å>mMm`© ‘Ü`dVu (EgEbE, AmB©Ama, S>ãë`yE Am¡a AÝ`) lr Ho$. ‘{hnmb aoÈ>r AmB©E’$EggrE, Jm§YrZJa ‘| à{V{Z`w{º$ na lr‘Vr Ho$.Or.nr.Eb. a‘m Xodr J¡a-OrdZ lr E‘. Eg. O`Hw$‘ma OrdZ _hmà~§YH$ lr E. d|H$Q>oœa amd nm°{bgrYmaH$m| H$m g§ajU Am¡a {eH$m`V {ZdmaU lr à^mV Hw$‘ma ‘¡Vr ~r‘m§H$Z Ed§ ‘w»` gVH©$Vm A{YH$mar lr Q>r. d|H$Q>oœa amd àdV©Z Am¡a AZwnmbZ, Am§V[aH$ boIm narjm (30.06.2025 VH$) lr n§H$O Hw$‘ma {Vdmar Am{W©H$ Ed§ Zr{VJV {dûcofU Am¡a emoY lr Aå‘w d|H$Q> a‘Zm {dÎm d {Zdoe lr gr. lr{Zdmg Hw$‘ma ~r‘m§H$Z lr EZ.Eg.Ho$. à^mH$a OrdZ lr ‘ZmoO Hw$‘ma ñdmñÏ` lr ‘hoe AJ«dmb {dÎm d {Zdoe lr emXy©b AmX‘mZo nwZ~u‘m lr‘Vr ~r. nÙOm AÜ`j g{Mdmb` Am¡a ~moS©> g{Mdmb` lr S>r.Eg. ‘w{V© n`©dojU lr XrnH$ IÞm OrE Ed§ EMAma (AmB©Q>r, gm‘mÝ` àemgZ) lr XrnH$ Jm`H$dmS> ‘Ü`dVu lr àgmX amd H$bm`ê$ {d{Y lr gwaoe Zm`a J¡a-OrdZ lr‘Vr {Z{‘fm lrdmñVd ~r‘m g‘mdoe Am¡a {dH$mg lr‘Vr Ama. C‘m ‘mhoœar ‘Ü`dVu lr‘Vr bVm gr. {dÎm d {Zdoe lr g§O` Hw$‘ma d‘m© àdV©Z Am¡a AZwnmbZ gwlr {ejm gmhm ‘Ü`dVu gwlr gygZ B{Å>`oamh {dÎm d {Zdoe lr Jm¡V‘ Hw$‘ma nm°{bgrYmaH$m| H$m g§ajU Am¡a {eH$m`V {ZdmaU xxiiià‘wIVmE±à‘wIVmE±à‘wIVmE±^mJ - I Zr{V`m± Am¡a H$m`©H«$_Zr{V`m± Am¡a H$m`©H«$_ Zr{V`m± Am¡a H$m`©H«$‘ à{VeV H$s {dœ CËnmXZ d¥{Õ Xa VWm CÞV AW©ì`dñWmAm| H$s d¥{Õ Xam| go H$m’$s A{YH$ pñWV h¡ Omo 2025 ‘| 1.2 I.1 gm‘mÝ` Am{W©H$ n[adoe H$s g‘rjm à{VeV na Am¡a 2026 ‘| 1.5 à{VeV na nydm©Zw‘m{ZV h¡& `h gwg§JV Am¡a A{YH$ AÀN>m H$m`©{ZînmXZ d¡{œH$ Am¡gV Am¡a I.1.1 A§Vaamï´>r` ‘wÐm H$mof (AmB©E‘E’$) Zo dëS©> BH$Zm{‘H$ CÞV AW©ì`dñWmAm| H$s VwbZm ‘| ^maV H$s gwÑ‹T> Am{W©H$ AmCQ>bwH$ AnSo>Q> Ho$ AnZo Aà¡b 2025 A§H$ ‘| d¡{œH$ d¥{Õ J{V‘mÌm H$mo aoIm§{H$V H$aVm h¡& ‘ | EH$ {JamdQ> g{yMV H$s Š`m{|H$ C^aVr hBþ © Zr{VJV A{Z{üVVm Am¡a d¡{œH$ ì`mnma n[adoe ‘| g§aMZmJV n[adV©Zm| Ho$ ~rM gmaUr I.1: dmñV{dH$ OrS>rnr ‘| d¡{œH$ d¥{Õ AYmodVu OmopI‘ Vrd« hmo J`o& ‘hm‘mar, ^y-amOZr{VH$ g§Kfm], (dm{f©H$ à{VeV n[adV©Z) Am¡a ‘wÐmñ’$s{V ‘| CN>mb g{hV, hmb Ho$ dfm] ‘| AàË`m{eV KQ>ZmAm| H$s e¥§Ibm Ho$ ~mX, d¡{œH$ AW©ì`dñWm Zo 2024 ‘| {ddaU 2024 2025 (ny) 2026 (ny) pñWarH$aU Ho$ g§Ho$V Xem©`o, Ohm± ‘wÐmñ’$s{V H«$‘e… KQ> ahr h¡ {dœ CËnmXZ 3.5 2.4 3.0 Am¡a l{‘H$ ~mOma ‘hm‘mar-nyd© ñVam| na bm¡Q> aho h¢& g§X^©JV CÞV AW©ì`dñWmE± 1.9 1.2 1.5 nydm©Zw‘mZ Ho$ A§VJ©V, `h àË`m{eV h¡ {H$ d¡{œH$ hoS>bmBZ C^aVo ~mOma ‘wÐmñ’$s{V 2025 ‘| 4.3 à{VeV VH$, VWm 2026 ‘| 3.6 Am¡a {dH$mgerb à{VeV VH$ KQ> gH$Vr h¡& d¥{Õ g§Vw{bV ~Zr hþB© h¡ Am¡a AW©ì`dñWmE± 4.8 3.3 4.0 d¡{œH$ CËnmXZ Ho$ {bE nydm©Zw‘mZ OZdar 2025 AnSo>Q> go MrZ 5.4 3.2 4.2 AYmo‘wIr ê$n ‘| g§emo{YV {H$`o J`o h¢& d¥{Õ H$m nydm©Zw‘mZ ^maV 7.5 6.2 6.3 A~ 2025 ‘| 2.8 à{VeV na Am¡a 2026 ‘| 3.0 à{VeV na {H$`m J`m h¡, Omo nhbo Ho$ nydm©Zw‘mZm| go 0.8 à{VeV A§H$ H$s ny-nydm©Zw‘mZ& òmoV… AmB©E‘E’$, dëS©> BH$Zm{‘H$ AmCQ>bwH$, Aà¡b 2025 g§M`r CVma VWm eof H$mo 2000-2019 Ho$ 3.7 à{VeV Ho$ I.1.3 amï´>r` gm§p»`H$s H$m`m©b` (EZEgAmo) Ûmam Omar {H$`o Eo{Vhm{gH$ Am¡gV go H$m’$s ZrMo {M{•V H$aVm h¡& `h ì`mnma J`o AZ§{V‘ AZw‘mZm| Ho$ AZwgma, df© 2024-25 Ho$ {bE g§~§Yr VZmdm| Ho$ g§^m{dV CÞ`Z Am¡a ~‹T>r hþB© ì`mnma Zr{V Mmb y H$s‘Vm | na ^maV H$m gH$b Xeo r CËnmX (OrS>rnr) 2023- H$s A{Z{üVVm g{hV A{YH$ AYmJo m‘r OmpoI‘m | H$m o à{Vq~{~V 24 ‘| XO© é. 301.23 bmI H$amo‹S> Ho$ ‘wH$m~bo é. 330.68 H$aVm h¡& bmI H$amo‹S> na AZw‘m{ZV h¡, Omo 9.8 à{VeV H$s d¥{Õ Xa Xem©Vm h¡& d¡{œH$ àd¥{Îm`m| H$s VwbZm ‘| ^maV H$m Am{W©H$ H$m`©{ZînmXZ Am¡a Ñ{ï>H$moU Mmby H$s‘Vm| na à{V ì`{º$ OrS>rnr 2023-24 ‘| XO© é.

2,15,935 H$s VwbZm ‘| 2024-25 Ho$ Xm¡amZ é. 2,34,859 I.1.2 AmB©E‘E’$ Ho$ Ñ{ï>H$moU Ho$ AZwgma, ^maV H$s OrS>rnr h¡, Omo 8.8 à{VeV H$s d¥{Õ Xem©Vm h¡& à{V ì`{º$ {ZOr d¥{Õ XmoZm| {dœ Am¡gV Am¡a CÞV AW©ì`dñWmAm| H$s OrS>rnr A§{V‘ Cn^moJ ì`` 2023-24 Ho$ é. 1,29,967 go ~‹T>H$a d¥{Õ go AmJo ~‹T> JB© h¡& 2024 ‘|, ^maV H$s OrS>rnr 7.5 2024-25 ‘| é. 1,44,165 hmo J`m h¡ Omo 10.9 à{VeV d¥{Õ à{VeV ~‹T>r, Omo 3.5 à{VeV H$s d¡{œH$ d¥{Õ Xa Am¡a CÞV XO© H$aVm h¡& AW©ì`dñWmAm| H$s 1.9 à{VeV d¥{Õ Xa go C„oIZr` ê$n ‘| CƒVa h¡& `h àd¥{Îm 2025 Am¡a 2026 Ho$ {bE nydm©Zw‘mZm| ‘| I.1.4 AmYma^yV H$s‘Vm| na `mo{OV gH$b ‘yë` (OrdrE) ^r Omar h¡& ^maV Ho$ {bE, d¥{Õ H$s g§^mdZm AnojmH¥$V ê$n Ûmam ‘mnr JB© g‘J« Amny{V© 2023-24 ‘| 11.2 à{VeV Ho$ ‘| 2025 ‘| {dÚ‘mZ 6.2 à{VeV go A{YH$ pñWa h¡ Omo {deof {dñVma H$mo XO© H$aZo Ho$ ~mX 2024-25 ‘| 9.5 à{VeV H$m ê$n go J«m‘rU joÌm| ‘| {ZOr Cn^moJ Ho$ Ûmam g‘{W©V h¡& `h {dñVma {H$`m& Am§H$‹S>m df© 2025 Am¡a 2026 Ho$ {bE 2.4 à{VeV Am¡a 3.0 dm{f©H$ [anmoQ>© 2024-25 7Zr{V`m± Am¡a H$m`©H«$_ gmaUr I.2: ^maV ‘| amï´>r` Am` AZw‘mZ (dV©‘mZ H$s‘Vm| na) 2023-24* 2024-25# d¥{Õ (%) ‘X 2023-24 2024-25 ‘yb H$s‘Vm| na `mo{OV gH$b ‘yë` (OrdrE) (`bmI H$amo‹S>) 274.13 300.22 11.2 9.5 gH$b Xoer CËnmX (OrS>rnr) (`bmI H$amo‹S>) 301.23 330.68 12.0 9.8 gH$b amï´>r` à`moÁ` Am` (OrEZS>rAmB©) (`bmI H$amo‹S>) 305.94 335.48 11.9 9.7 à{V ì`{º$ OrS>rnr (`) 2,15,935 2,34,859 11.0 8.8 à{V ì`{º$ OrEZS>rAmB© (`) 2,19,312 2,38,270 10.9 8.6 à{V ì`º$ {ZOr A§{V‘ Cn^moJ ì`` (nrE’$grB©) (`) 1,29,967 1,44,165 8.7 10.9 *àW‘ g§emo{YV AZw‘mZ, # AZ§{V‘ AZw‘mZ òmoV… EZEgAmo, àog ZmoQ> {XZm§H$ 30 ‘B© 2025.

gmaUr I.3: Am{W©H$ J{V{d{Y Ûmam `mo{OV gH$b ‘yë` (OrdrE) H$m AZw‘mZ (dV©‘mZ H$s‘Vm| na) (` bmI H$amo‹S>) 2023-24* 2024-25# d¥{Õ (%) CÚmoJ 2023-24 2024-25 I. àmW{‘H$ joÌ 54.10 59.26 9.1 9.5 H¥${f, newYZ, dm{ZH$s Am¡a ‘Ëñ`-J«hU 48.78 53.85 9.6 10.4 IZZ Am¡a CËIZZ 5.32 5.41 4.2 1.6 II. {ÛVr`H$ joÌ 70.90 76.03 12.3 7.2 {d{Z‘m©U 39.22 41.69 10.9 6.3 ‘m©U 7.66 8.07 25.8 5.3 {~Obr, J¡g, Ob Amny{V©, Am¡a AÝ` OZmon`moJr godmE± 24.02 26.27 10.6 9.4 {Z‘m©U {Z‘m©U III. V¥Vr`H$ joÌ 149.13 164.93 11.5 10.6 ì`mnma, hmoQ>b, n[adhZ, g§Mma Am¡a àgmaU g§~§Yr godmE±aU g§~§Yr godmE± 48.29 52.57 9.4 8.9 {dÎmr`, ñWmda g§nXm Am¡a ì`mdgm{`H$ godmE± 62.44 68.82 11.5 10.2 bmoH$ àemgZ, ajm Am¡a AÝ` godmE± àemgZ, ajm Am¡a AÝ` godmE± 38.40 43.53 14.3 13.4 ‘yb H$s‘Vm| na `mo{OV gH$b ‘yë` (OrdrE) 274.13 300.22 11.2 9.5 *àW‘ g§emo{YV AZw‘mZ; #AZ§{V‘ AZw‘mZ;

8 dm{f©H$ [anmoQ>© 2024-25Zr{V`m± Am¡a H$m`©H«$_ I.1.5 gH$b Xoer ~MV, gH$b amï´>r` à`moÁ` Am` Xem©Vr h¡& g‘J« ~MV ‘| gmYmaU d¥{Õ gm‘mÝ` gaH$mar ~MV (OrEZS>rAmB©) Ho$ à{VeV Ho$ ê$n ‘| Kaoby ~MV ‘| {Za§Va H$s pñW{V ‘| gwYma VWm J¡a-{dÎmr` Am¡a {dÎmr` {ZJ‘m| go {JamdQ> Ho$ ~mdOyX Omo {nN>bo df© Ho$ 18.3 à{VeV go KQ>H$a pñWa A§eXmZm| Ho$ Ûmam g‘{W©V Wr& C„oIZr` ê$n ‘|, Kaoby OrEZS>rAB© Ho$ 17.9 à{VeV hmo JB©, 2022-23 Ho$ 30.2 {Zdb {dÎmr` ~MV Zo 2022-23 Ho$ 4.9 à{VeV go ~‹T>H$a à{VeV go 2023-24 ‘| 30.3 à{VeV VH$ Wmo‹S>r-gr {JamdQ> 2023-24 ‘| 5.1 à{VeV VH$ Wmo‹S>r-gr d¥{Õ Xem©B©²& òmoV… Ama~rAmB© dm{f©H$ [anmoQ>© 2024-25. (n[a{eï>, gmaUr 3) dm{f©H$ [anmoQ>© 2024-25 9Zr{V`m± Am¡a H$m`©H«$_ gmaUr I.4: Kaoby joÌ H$s {dÎmr` ~MV (gH$b amï´>r` à`moÁ` Am` H$m à{VeV) ‘X 2022-23 2023-24 Kaoby joÌ ~MV 18.3 17.9 i. {Zdb {dÎmr` ~MV (H$-I) 4.9 5.1 ii. ^m¡{VH$ AmpñV`m| ‘| ~MV 13.2 12.6 iii. ‘yë`dmZ dñVwAm| Ho$ ê$n ‘| ~MV 0.2 0.2 H$. gH$b {dÎmr` ~MV ({Og‘| go) 10.7 11.2

1. ‘wÐm 0.9 0.4

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3. eo`a Am¡a {S>~|Ma 0.8 0.9

4. gaH$ma na Xmdo 0.8 1.1

5. ~r‘m {Z{Y`m± 2.0 1.9

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2.6 à{VeV d{¥Õ H$aJ| &o Anjo mH$¥V A{YH$ Za‘ ~mOma pñW{V`m± I.2.1.1 pñdg AmaB© {gJ‘m [anmoQ>© (g§. 2/2025) Bg ~mV VWm d¡`{º$H$ Am¡a dm{UpÁ`H$ ì`dñWmAm| ‘| Vrd« hmo ahr na {deof ~b XoVm h¡ {H$ 2024 ‘| EH$ gwÑ‹T> H$m`©{ZînmXZ Ho$ ñnYm© Bg ‘§Xr Ho$ ‘w»` àoaH$ h¢& 2026 ‘| àr{‘`‘ d¥{Õ Ho$ ~mX, {dœ Ho$ ~r‘m CÚmoJ ‘| àr{‘`‘ d¥{Õ XmoZm| J¡a-OrdZ

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(38) (62) (100) {dœ 6.1 4.7 5.2 C^aVo ~mOma 791.53 683.82 1,475.36 òmoV… pñdg AmaB© {gJ‘m {dœ ~r‘m [anmoQ>© (g§. 2/2025)

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(74) (26) (100) gmW A‘o[aH$s ~mOma MrZ Ho$ ~mOma go bJ^J 4.4 JwZm ~‹S>m {dœ 3,197.64 4,601.69 7,799.33 h¡& CgH$m d¡{œH$ ~mOma A§e {nN>bo df© 45 à{VeV VH$ ~‹T>m

(41) (59) (100) òmoV…: pñdg AmaB© {gJ‘m {dœ ~r‘m [anmoQ>© (g§. 2/2025) H$moð>H$ ‘| Am§H$‹S>o Hw$b ‘| go à{VeV H$mo {Zê${nV H$aVo h¢& dm{f©H$ [anmoQ>© 2024-25 11Zr{V`m± Am¡a H$m`©H«$_ ~r‘m n¡R> Am¡a gKZVm I.2.1.8 2024-25 ‘|, ^maV H$m ~r‘m ì`mnZ 2022-23 ‘| I.2.1.7 ~r‘m n¡R> Am¡a gKZVm Xmo Eogo ‘mZX§S> h¢ {OZH$m {dÚ‘mZ ê$n ‘| 3.7 à{VeV na ~Zm hþAm h¡& OrdZ ~r‘m à`moJ {H$gr ^r Xoe ‘| ~r‘m joÌ Ho$ {dH$mg Ho$ ñVa H$m CÚmoJ Ho$ {bE ~r‘m ì`mnZ {nN>bo df© Ho$ 2.8 à{VeV go AmH$bZ H$aZo Ho$ {bE àm`… {H$`m OmVm h¡& O~{H$ ~r‘m n¡R> KQ>H$a 2024-25 Ho$ Xm¡amZ 2.7 à{VeV ahm h¡& J¡a-OrdZ H$m ‘mnZ OrS>rnr H$s VwbZm ‘| ~r‘m àr{‘`‘ Ho$ à{VeV Ho$ ~r‘m CÚmoJ Ho$ g§~§Y ‘| ì`mnZ 2023-24 H$s hr Vah 2024- Vm¡a na {H$`m OmVm h¡, ~r‘m gKZVm H$m n[aH$bZ OZg§»`m 25 Ho$ Xm¡amZ 1 à{VeV na Cgr pñW{V ‘| ~Zm hþAm h¡& H$s VwbZm ‘| àr{‘`‘ Ho$ AZwnmV (à{V ì`{º$ àr{‘`‘) Ho$ ê$n ‘| {H$`m OmVm h¡& gmaUr I.7: ~r‘m n¡R> - ^maV ~Zm‘ {dœ (% à{VeV) OrdZ ~r‘m J¡a-OrdZ ~r‘m Hw$b (OrdZ+J¡a-OrdZ) joÌ 2023 2024 2023 2024 2023 2024 ^maV 2.8 2.7 1.0 1.0 3.7 3.7 {dœ 2.9 3.0 4.2 4.3 7.0 7.3 òmoV… pñdg AmaB© {gJ‘m {dœ ~r‘m [anmoQ>© (g§. 2/2025) {Q>ßnUr… ^maV Ho$ {bE So>Q>m 12 ‘hrZo Ho$ {bE Aà¡b 2023 go ‘mM© 2024 VH$ ({dÎmr` df© 2023-24) Ho$ {bE h¡, O~{H$ `h eof {dœ Ho$ {bE H¡$b|S>a df© 2023 Ho$ 12 ‘hrZo Ho$ {bE h¡& ^maV ‘| ~r‘m ì`mnZ H$s EH$ XrK©H$m{bH$ àd¥{Îm MmQ>© I.3 Am¡a I.4 ‘| àñVwV h¡& {dœ ^a Ho$ ì`mnZ Am¡a gKZVmAm| H$s àd¥{Îm`m± {dœ Ho$ M`{ZV Xoem| Ho$ {bE MmQ>© I.5 Am¡a I.6 ‘| d{U©V h¡& gmaUr I.8: ~r‘m gKZVm ^maV ~Zm‘ {dœ (`yEgS>r) OrdZ ~r‘m J¡a-OrdZ ~r‘m Hw$b (OrdZ+J¡a-OrdZ) joÌ 2023 2024 2023 2024 2023 2024 ^maV 70 72 25 25 95 97 {díd 361 388 528 555 889 943 òmoV… pñdg AmaB© {gJ‘m {dœ ~r‘m [anmoQ>© (g§. 2/2025) {Q>ßnUr… ^maV Ho$ {bE So>Q>m 12 ‘hrZm|, Aà¡b 2023 go ‘mM© 2024 VH$ ({dÎmr` df© 2023-24) Ho$ {bE h¡, O~{H$ `h eof {dœ Ho$ {bE H¡$b|S>a df© 2023 Ho$ 12 ‘hrZm| Ho$ {bE h¡& 12 dm{f©H$ [anmoQ>© 2024-25Zr{V`m± Am¡a H$m`©H«$_ I.2.1.9 2024-25 ‘|, ^maV ‘| ~r‘m gKZVm Zo EH$ gmYmaU I.2.1.10 pñdg AmaB© {gJ²‘m {dœ ~r‘m [anmoQ>© Ho$ AZwgma, d¥{Õ Xem©B©, Omo 2023-24 Ho$ `yEgS>r 95 go ~‹T>H$a 2024- d¡{œH$ ~r‘m ì`mnZ Am¡a gKZVm OrdZ I§S> Ho$ {bE 3 à{VeV 25 ‘| `yEgS>r 97 hmo JB©& {d{eï> ê$n go, OrdZ ~r‘m gKZVm Am¡a `yEgS>r 388 Wo, VWm J¡a-OrdZ I§S> Ho$ {bE 4.3 `yEgS>r 70 go `yEgS>r 72 VH$ ~‹T>r, O~{H$ J¡a-OrdZ ~r‘m à{VeV Am¡a `yEgS>r 555 aho& g‘J« ê$n ‘|, 2024 ‘| ~r‘m gKZVm `Ey gS>r 25 na pñWa ahr& ~r‘m gKZVm ‘ | `h D$Üd‘© Iw r ì`mnZ Am¡a ~r‘m gKZVm H«$‘e… 7.3 à{VeV Am¡a `yEgS>r àd¥{Îm 2016-17 go pñWa ~Zr hþB© h¡& 943 Wo& dm{f©H$ [anmoQ>© 2024-25 13Zr{V`m± Am¡a H$m`©H«$_ I.2.2 ^maVr` ~r‘m ~mOma H$m ‘yë`m§H$Z OrdZ ~r‘m ~mOma H$m ‘yë`m§H$Z OrdZ ~r‘m joÌ H$m ì`mdgm{`H$ H$m`©{ZînmXZ I.2.2.1 ^maV ‘| OrdZ ~r‘m ~mOma Zo dfm] go EH$ g‘Zwê$n àr{‘`‘ d¥{Õ XO© H$s h¡& 2024-25 Ho$ Xm¡amZ, OrdZ ~r‘m CÚmoJ Zo é.8.86 bmI H$amo‹S> H$s àr{‘`‘ Am` XO© H$s, {Ogg o 6.73 à{VeV d{¥Õ XO © hBþ &²© {ZOr jÌo OrdZ ~r‘mH$VmA© m| Zo àr{‘`‘ ‘| 12.07 à{VeV H$s d¥{Õ Xem©B©, O~{H$ gaH$mar I.2.2.4 nma§n[aH$ CËnmXm| Zo é. 7.27 bmI H$amo‹S> H$m joÌ OrdZ ~r‘mH$Vm© Zo àr{‘`‘ ‘| 2.75 à{VeV H$s d¥{Õ XO© A§eXmZ {H$`m, Omo Hw$b àr{‘`‘ H$m 82.03 à{VeV Wm Am¡a H$s& g§~Õ A§e 17.97 à{VeV ahm& nma§n[aH$ CËnmXm| go ì`dgm` ‘| 2.57 à{VeV d¥{Õ hþB© Am¡a g§~Õ CËnmXm| Ho$ {bE `h I.2.2.2 ZdrH$aU àr{‘`‘ 55.09 à{VeV na 2024-25

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80.73 à{VeV ~ZVm h¡ VWm BgHo$ ~mX n|eZ Am¡a dm{f©H$s

8.08 à{VeV na {dÚ‘mZ ZdrH$aU ì`dgm` H$s VwbZm ‘| Z`o IS§ > XmZo m | {‘bH$a 18.87 à{VeV ~ZV o h&¢ EH$ {dñVV¥ {ddaU, ì`dgm` àr{‘`‘ ‘| d¥{Õ 5.12 à{VeV h¡& gaH$mar joÌ {ddaU 5 ‘| àñVwV {H$`m J`m h¡& OrdZ ~r‘mH$Vm©Am| Ho$ {bE EH$b àr{‘`‘ CËnmX {Za§Va EH$ à‘wI ^y{‘H$m H$m {Zdm©h H$a aho h¢ Ohm± Hw$b àr{‘`‘ ‘| CZH$m Ae§ XmZ 38.82 à{VeV h ¡ O~{H$ {ZOr jÌo OrdZ ~r‘mH$VmA© m| Ho$ {bE `h 20.90 à{VeV ahm h¡& OrdZ ~r‘m àr{‘`‘ Ho$ {bE ~r‘mH$Vm©-dma So>Q>m {ddaU 3 ‘| àñVwV {H$`m J`m h¡& g§~Õ Am¡a Ag§~Õ Ho$ ê$n ‘| OmopI‘-A§{H$V Hw$b àr{‘`‘ H$m {Û^mOZ, {ddaU 4 ‘| {X`m J`m h¡& I.2.2.6 {dÎmr` df© 2024-25 Ho$ Xm¡amZ, OrdZ ~r‘mH$Vm©Am| Zo d¡`{º$H$ ì`dgm` Ho$ A§VJ©V 270.22 bmI ZB© nm{b{g`m± Omar H$s¨, {OZ‘| go gaH$mar joÌ ~r‘mH$Vm© Zo 177.83 bmI nm{b{g`m± Omar H$s¨ (65.81 à{VeV) VWm {ZOr OrdZ ~r‘mH$Vm©Am| Zo 92.39 bmI nm{b{g`m± (34.19 à{VeV) Omar H$s¨& O~{H$ {ZOr joÌ ~r‘mH$Vm©Am| Zo 5.18 à{VeV H$s d¥{Õ XO© H$s, gaH$mar joÌ ~r‘mH$Vm©Am| Zo 12.80 à{VeV H$s I.2.2.3 ^maVr` OrdZ ~r‘m {ZJ‘ (EbAmB©gr) ^maV Ho$ Ad-d¥{Õ (S>r-J«moW) XO© H$s VWm CÚmoJ Zo {nN>bo {dÎmr` ~mha OmopI‘-A§H$Z H$aZodmbm EH$‘mÌ OrdZ ~r‘mH$Vm© h¡ df© ‘| Omar H$s JB© ZB© d¡`{º$H$ nm{b{g`m| Ho$ ‘wH$m~bo ZB© VWm 2024-25 Ho$ Xm¡amZ Bg g§ñWm Zo é. 398.15 H$amo‹S> Ho$ Hw$b àr{‘`‘ H$m g§J«hU {H$`m& d¡`{º$H$ nm{b{g`m| H$s g§»`m ‘| 7.39 à{VeV H$s Ad-d¥{Õ (S>r-J«moW) XO© H$s& 14 dm{f©H$ [anmoQ>© 2024-25Zr{V`m± Am¡a H$m`©H«$_ gmaUr I.9: OrdZ ~r‘mH$Vm©Am| H$m ì`mdgm{`H$ H$m`©{ZînmXZ (`H$amo‹S>) H«$‘ 2023-24 2024-25 {ddaU g§. gaH$mar joÌ {ZOr joÌ CÚmoJ Hw$b gaH$mar joÌ {ZOr joÌ CÚmoJHw$b 1 OmopI‘-A§{H$V àr{‘`‘ 1(H$) àW‘ df© àr{‘`‘ 39,037.95 76,469.86 1,15,507.81 37,025.38 88,011.89 1,25,037.26 (à.d.) (-0.13) (7.96) (5.08) (-5.15) (15.09) (8.25) 1(I) EH$b àr{‘`‘ 1,83,633.45 79,264.19 2,62,897.64 1,89,760.10 82,966.58 2,72,726.68 (-4.83) (15.98) (0.61) (3.34) (4.67) (3.74) 1 (J) Z`m ì`dgm` 2,22,671.40 1,55,734.05 3,78,405.45 2,26,785.48 1,70,978.47 3,97,763.94 (à.d.+EH$b àr{‘`‘) (-4.04) (11.90) (1.93) (1.85) (9.79) (5.12) 1(K) ZdrH$aU àr{‘`‘ 2,53,080.52 1,98,443.49 4,51,524.01 2,62,063.44 2,25,944.35 4,88,007.79 (4.31) (17.66) (9.79) (3.55) (13.86) (8.08) 1(L>) Hw$b àr{‘`‘ 4,75,751.92 3,54,177.54 8,29,929.46 4,88,848.92 3,96,922.81 8,85,771.73 (Z`m + ZdrH$aU) (0.23) (15.05) (6.06) (2.75) (12.07) (6.73) 2 ^maV Ho$ ~mha go àr{‘`‘ Cn`w©º$ H$mo gpå‘{bV 476.25 - 476.25 398.15 - 398.15 3 Omar H$s JB© ZB© d¡`{º$H$ 203.93 87.84 291.77 177.83 92.39 270.22 nm{b{g`m± (bmI ‘|) (-0.18) (9.23) (2.48) (-12.80) (5.18) (-7.39) 4 OmopI‘-A§{H$V I§S>-dma àr{‘`‘ g§~Õ Ag§~Õ Hw$b g§~Õ Ag§~Õ Hw$b 4 (H$) dm{f©H$s - 36,378.09 36,378.09 - 38,926.48 38,926.48 4(I) ñdmñÏ` 132.22 551.54 683.76 403.29 502.13 905.42 4 (J) OrdZ 1,06,459.45 5,56,474.15 6,62,933.60 1,42,519.40 5,72,536.92 7,15,056.32 4(K) n|eZ 14,878.13 1,12,566.13 1,27,444.26 16,214.90 1,12,023.41 1,28,238.32 4 (L>) AÝ` - 2,489.75 2,489.75 - 2,645.19 2,645.19 4(M) Hw$b 1,21,469.80 7,08,459.66 8,29,929.46 1,59,137.60 7,26,634.13 8,85,771.73 5 àXÎm bm^ gaH$mar joÌ {ZOr joÌ CÚmoJ Hw$b gaH$mar joÌ {ZOr joÌ CÚmoJ Hw$b 5(H$) ‘¥Ë`w Xmdm 22,624.61 19,659.60 42,284.21 24,419.54 23,070.10 47,489.64 5(I) n[an¹$Vm 2,08,136.42 34,562.76 2,42,699.18 1,81,977.66 41,056.09 2,23,033.75 5 (J) Aä`n©U/AmhaU 1,33,803.32 95,441.88 2,29,245.20 1,30,905.27 1,02,393.74 2,33,299.01 5(K) dm{f©{H$`m±/ n|eZ 20,106.73 3,802.60 23,909.33 22,097.56 4,725.24 26,822.80 5 (L>) AÝ` 1,278.07 37,605.36 38,883.43 53,878.86 45,646.90 99,525.76 5(M) H$wb 3,85,949.15 1,91,072.20 5,77,021.35 4,13,278.89 2,16,892.08 6,30,179.97 {Q>ßnUr… 1. H$moð>H$ ‘| Am§H$‹S>o {nN>bo df© H$s VwbZm ‘| d¥{Õ H$mo à{VeV ‘| {Z{X©ï> H$aVo h¢&

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2116.50 2116.50 - 2,640.87 2,640.87 1 (J) {dÎmr` df© Ho$ A§V ‘| 6,325.00 30,748.55 37,073.55 6,325.00 33,389.42 39,714.42 2 H$‘reZ ì`` 2(H$) àW‘ df© H$‘reZ 11,081.17 16,826.37 27,907.54 9,986.84 23,592.40 33,579.24 {nN>bo df© H$s VwbZm ‘| d¥{Õ à{VeV ‘| - - - 9.88 40.21 20.32 2(I) EH$b àr{‘`‘ na H$‘reZ 783.33 4,509.98 5,293.31 760.46 6,485.24 7,245.70 {nN>bo df© H$s VwbZm ‘| d¥{Õ à{VeV ‘| - - - 2.92 43.80 36.88 2(J) Z`m ì`dgm` H$‘reZ (H$+I) 11,864.50 21,336.35 33,200.85 10,747.30 30,077.64 40,824.94 {nN>bo df© H$s VwbZm ‘| d¥{Õ à{VeV ‘| - - - 9.42 40.97 22.96 2 (K) ZdrH$aU H$‘reZ 14,094.62 4,228.58 18,323.20 14,561.46 5,413.51 19,974.97 {nN>bo df© H$s VwbZm ‘| d¥{Õ à{VeV ‘| - - - 3.31 28.02 9.01 2(L>) Hw$b H$‘reZ (J+K) 25,959.12 25,564.93 51,524.05 25,308.76 35,491.15 60,799.91 {nN>bo df© H$s VwbZm ‘| d¥{Õ à{VeV ‘| 1.48 52.70 21.74 -2.51 38.83 18.00 3 n[aMmbZ ì`` 48,121.68 40,922.23 89,043.91 35,415.20 41,926.78 77,341.98 {nN>bo df© H$s VwbZm ‘| d¥{Õ à{VeV ‘| # -0.05 -0.91 -0.45 -26.40 2.45 -13.14 4 {Zdoe Am` 3,82,286.91 2,36,484.56 6,18,771.47 3,99,277.60 1,52,321.97 5,51,599.57 5 H$a Ho$ ~mX bm^ 40,675.79 6,731.49 47,407.28 48,151.17 7,855.07 56,006.24 6 àXÎm bm^m§e (A§V[a‘ bm^m§e g{hV) 4,427.50 1,549.83 5,977.33 3,795.00 1,714.50 5,509.50 {Q>ßnUr… *ghmam B§{S>`m bmB’$ B§í`moa|g H§$nZr {b. 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2. {ZamH¥$V Xmdo Eogo Xmdo h¢ {OZna ~r‘m A{Y{Z`‘, 1938 H$s Ymam 45 Ho$ Cn~§Ym| Ho$ AZwgma {dMma Zht {H$`m Om gH$Vm&

40.29 à{VeV)& ñdmñÏ` ~r‘m I§S> Zo 9.19 à{VeV H$s ê$n go ~‹T>H$a 32.21 à{VeV hþAm²& 2024-25 ‘| àr{‘`‘ d¥{Õ gy{MV H$s (2023-24 ‘| 19.50 à{VeV d¥{Õ)& ‘moQ>a g§J«hU A{¾ I§S> ‘| 5.58 à{VeV KQ>m Am¡a ‘arZ I§S> ‘| I§S> Zo dfm©Zwdf© 7.97 à{VeV H$s d¥{Õ H$m gmjmËH$ma {H$`m 8.10 à{VeV ~‹T>m& gmaUr I.12: gmYmaU, ñdmñÏ` Am¡a {deofrH¥$V ~r‘mH$Vm©Am| H$m ì`mdgm{`H$ H$m`©{ZînmXZ (am{e é. H$amo‹S> ‘|) 2023-24 2024-25 g§. {ddaU gaH$mar {ZOr EgE {deofrH¥$V CÚmoJ gaH$mar {ZOr EgE {deofrH¥$V CÚmoJ joÌ joÌ EMAmB© ~r‘mH$Vm© Hw$b joÌ joÌ EMAmB© ~r‘mH$Vm© Hw$b 1 ^maV Ho$ A§Xa gH$b 90,252 1,55,090 33,119 11,211 2,89,673 95,252 1,62,837 38,414 11,108 3,07,611 àË`j àr{‘`‘ (8.88) (17.54) (26.20) (-29.12) (12.76) (5.54) (5.00) (15.99) (-0.92) (6.19)

2. ^maV Ho$ A§Xa Am¡a 94,191 1,55,090 33,119 11,211 2,93,612 99,225 1,62,898 38,435 11,108 3,11,666 ~mha gH$b àË`j (9.11) (17.54) (26.20) (-29.12) (12.79) (5.34) (5.03) (16.05) (-0.92) (6.15) àr{‘`‘ 3 gmYmaU Am¡a ñdmñÏ` ~r‘mH$Vm©Am| Ûmam OmopI‘-A§{H$V I§S>-dma àr{‘`‘ (^maVHo$ A§Xa) 3(H$) A{¾ 9,223 16,443 - - 25,667 8,474 15,768 - - 24,242 3(I) ‘arZ 2,158 2,934 - - 5,091 2,214 3,290 - - 5,504 3(J) ‘moQ>a 25,817 65,963 - - 91,781 28,445 70,649 - - 99,093 3(K) ñdmñÏ` (d¡`{º$H$ XwK©Q>Zm g{hV) 43,567 40,007 33,119 - 1,16,694 45,860 43,144 38,414 - 1,27,417 3(L>) AÝ` 9,487 29,743 - 11,211 50,440 10,260 29,987 - 11,108 51,355 3(M)Hw$b 90,252 1,55,090 33,119 11,211 2,89,673 95,252 1,62,837 38,414 11,108 3,07,611 4 Omar H$s JB© nm{b 645.72 2,004.72 151.11 558.32 3,359.88 682.17 2,474.80 175.41 581.15 3,913.53 {g`m± (bmI ‘|) (6.95) (17.94) (9.29) (-3.11) (11.32) (5.64) (23.45) (16.08) (4.09) (16.48) 5 {Zdb CnJV Xmdo 77,971 73,085 16,631 4,604 1,72,290 81,411 82,625 21,182 3,375 1,88,593 H$moð>H$ ‘| Am§H$‹S>o d¥{Õ H$m à{VeV Xem©Vo h¢& dm{f©H$ [anmoQ>© 2024-25 19Zr{V`m± Am¡a H$m`©H«$_ gmYmaU, ñdmñÏ` ~r‘mH$Vm©Am| Am¡a {deofrH¥$V Am¡a {deofrH¥$V ~r‘mH$Vm©Am| Ho$ n[aMmbZ ì`` 2024-25 Ho$ ~r‘mH$Vm©Am| H$m {dÎmr` H$m`©{ZînmXZ {bE H«$‘e… é.12,575 H$amo‹S>, é.18,179 H$amo‹S>, é.6,218 H$amo‹S> Am¡a é. 840 H$amo‹S> aho& I.2.2.17 31 ‘mM© 2025 H$s pñW{V Ho$ AZwgma, g^r J¡a- OrdZ ~r‘mH$Vm©Am| H$s àXÎm ny±Or é. 43,390 H$amo‹S> Wr, Omo I.2.2.20 {dÎmr` df© 2024-25 Ho$ Xm¡amZ, 15 J¡a-OrdZ {nN>bo df© H$s é. 42,245 H$amo‹S> H$s am{e go d¥{Õ Xem©Vr h¡& ~r‘mH$Vm© à~§YZ-ì``m| go g§~§{YV gr‘mAm| H$m AZwnmbZ 2024-25 Ho$ Xm¡amZ, gmYmaU Am¡a ñdmñÏ` ~r‘mH$Vm©Am| Zo Zht H$a aho Wo VWm ñWJZ (’$ma~oAa¡Ýg) Ho$ {bE CZH$m AnZo B©{¹$Q>r ny±Or AmYma ‘| é. 1,144 H$amo‹S> H$s am{e Omo‹S>r& AZwamoY Om±M Ho$ AYrZ h¡& {ZOr joÌ gmYmaU ~r‘mH$Vm©Am| Zo {dÎmr` df© ‘| é.863 H$amo‹S> I.2.2.21 2024-25 Ho$ Xm¡amZ g^r J¡a-OrdZ ~r‘mH$Vm©Am| em{‘b {H$`o, O~{H$ ñQ>¢S>AbmoZ ñdmñÏ` ~r‘mH$Vm©Am| Zo é.

H$s {Zdoe Am` é. 48,112 H$amo‹S> (2023-24 ‘| é. 44,129 281 H$amo‹S> H$s ny±Or H$s am{e A§V{d©ï> H$s& H$amo‹S>) Wr, Omo 9.03 à{VeV H$s d¥{Õ XO© H$aVr h¡& gaH$mar I.2.2.18 {dÎmr` df© 2024-25 Ho$ Xm¡amZ, gmYmaU ~r‘m joÌ ~r‘mH$Vm©Am| H$mo N>mo‹S>H$a (-4.33 à{VeV), {ZOr joÌ H§$n{Z`m| Zo é. 125 H$amo‹S> H$s am{e H$s AÝ` àH$ma H$s ny±Or ~r‘mH$VmA© m,| ñQ>S¢ >AbmZo ñdmñÏ` ~r‘mH$VmA© m | Ama¡ {defo rH$¥V OwQ>mB© h¡& 31 ‘mM© 2025 H$s pñW{V Ho$ AZwgma AÝ` àH$ma ~r‘mH$Vm©Am| H$s {Zdoe Am` H«$‘e… 21.95 à{VeV, 25.92 H$s ny±Or Ho$ A§VJ©V Hw$b ny±Or é. 6,139 H$amo‹S> h¡& à{VeV Am¡a 2.17 à{VeV Wr& I.2.2.19 H$‘reZ ì`` Am¡a n[aMmbZ ì`` Hw$b ì``m| H$m I.2.2.22 J¡a-OrdZ ~r‘mH$Vm©Am| H$s OmopI‘-A§H$Z hm{Z`m± EH$ ~‹S>m ^mJ ~ZmVo h¢& gaH$mar joÌ gmYmaU ~r‘mH$Vm©Am|, 2024-25 ‘| é. 30,276 H$amo‹S> VH$ ~‹T>t ({nN>bo df© ‘| é.

{ZOr gmYmaU ~r‘mH$Vm©Am|, ñQ>¢S>AbmoZ ñdmñÏ` ~r‘mH$Vm©Am| 28,555 H$amo‹S>)& {nN>bo df© H$s VwbZm ‘| Cº$ hm{Z`m| ‘| Am¡a {deofrH¥$V ~r‘mH$Vm©Am| Ho$ gH$b H$‘reZ ì`` 2024- 6.03 à{VeV d¥{Õ hþB©²& gaH$mar joÌ ~r‘mH$Vm©Am| H$s OmopI‘- 25 Ho$ {bE H«$‘e… é.9,335 H$amo‹S>, é.30,498 H$amo‹S>, A§H$Z hm{Z`m± J¡a-OrdZ CÚmoJ H$s hm{Z`m| H$m 61 à{VeV é.7,365 H$amo‹S> Am¡a é.67 H$amo‹S> aho, Bg àH$ma g§M`r Vm¡a aht Omo é. 18,366 H$amo‹S> Wt VWm eof {ZOr joÌ ~r‘mH$Vm©Am| na g‘yMo J¡a-OrdZ ~r‘m CÚmoJ Ho$ {bE Hw$b gH$b H$‘reZ H$s Wt {OZH$s am{e é. 12,398 H$amS‹o > Wr& ñQ>S¢ >AbmZo ñdmñÏ` ì`` H$s am{e é. 47,266 H$amo‹S> ahr& J¡a-OrdZ ~r‘mH$Vm©Am| ~r‘mH$Vm©Am| Zo 2024-25 ‘| OmopI‘-A§H$Z hm{Z`m| ‘| d¥{Õ Ho$ n[aMmbZ ì`` 2023-24 Ho$ é.38,653 H$amo‹S> Ho$ ‘wH$m~bo H$s gyMZm Xr Omo 2023-24 Ho$ é. 723 H$amo‹S> H$s OmopI‘- 2024-25 ‘| é. 37,811 H$amo‹S> na aho, Omo 2.18 à{VeV H$s A§H$Z hm{Z H$s VwbZm ‘| é.1,635 H$amo‹S> h¡& {deofrH¥$V g‘J« {JamdQ> Xem©Vm h¡& gaH$mar joÌ gmYmaU ~r‘mH$Vm©Am|, ~r‘mH$Vm©Am| H$m OmopI‘-A§H$Z bm^ 2023-24 Ho$ é.1,788 {ZOr gmYmaU ~r‘mH$Vm©Am|, ñQ>¢S>AbmoZ ñdmñÏ` ~r‘mH$Vm©Am| H$amo‹S> go ~‹T>H$a 2024-25 ‘| é.2,124 H$amo‹S> hmo J`m h¡& 20 dm{f©H$ [anmoQ>© 2024-25Zr{V`m± Am¡a H$m`©H«$_ I.2.2.23 df© 2024-25 Ho$ Xm¡amZ, J¡a-OrdZ ~r‘m joÌ H$m I.2.2.24 df© 2024-25 Ho$ Xm¡amZ, gaH$mar joÌ gmYmaU Hw$b bm^ 2023-24 Ho$ é.10,119 H$amo‹S> Ho$ {Zdb bm^ H$s ~r‘mH$Vm©Am| Zo é.339.49 Ho$ bm^m§e H$m ^wJVmZ {H$`m& VwbZm ‘| é.13,154 H$amo‹S> VH$ ~‹T>m& gaH$mar joÌ H§$n{Z`m| Zo VWm{n, gmV {ZOr jÌo gmYmaU ~r‘mH$VmA© m | Ama¡ Xm o {defo rH$¥V é.798 H$amo‹S> Ho$ bm^ H$s gyMZm Xr& {ZOr joÌ gmYmaU ~r‘mH$Vm©Am| Zo H«$‘e… é. 1,758 H$amo‹S> Am¡a é. 483.8 H$amo‹S> ~r‘mH$Vm©Am| Ho$ {bE H$a Ho$ ~mX bm^ é. 8,150 H$amo‹S> Wm, Ho$ bm^m§em| H$m ^wJVmZ {H$`m& {H$gr ^r ñQ>¢S>AbmoZ ñdmñÏ` {deofrH¥$V ~r‘mH$Vm©Am| Ho$ {bE `h é.3,444 H$amo‹S> Wm Am¡a ~r‘mH$Vm© Zo 2024-25 ‘| bm^m§em| H$m ^wJVmZ Zht {H$`m& ñQ>¢S>AbmoZ ñdmñÏ` ~r‘mH$Vm©Am| Ho$ {bE é.762 H$amo‹S> Wm& gmaUr I.13: gmYmaU, ñdmñÏ`, Am¡a {deofrH¥$V ~r‘mH$Vm©Am| H$m {dÎmr` H$m`©{ZînmXZ (am{e `H$amo‹S> ‘|) H«$‘ {ddaU 2023-24 2024-25 g§. I§S> gaH$mar {ZOr EgE {deofrH¥$V Hw$b gaH$mar {ZOr EgE {deofrH¥$V Hw$b joÌ joÌ EMAmB© ~r‘mH$Vm© joÌ joÌ EMAmB© ~r‘mH$Vm© 1 gmYmaU Am¡a ñdmñÏ` ~r‘mH$Vm©Am| H$s àXÎm ny±Or {dÎmr` df© Ho$ àma§^ ‘| 18,724 12,033 5,080 4,538 40,375 18,724 13,098 5,885 4,538 42,245 df© Ho$ Xm¡amZ n[adY©Z - 1,065 805 - 1,870 - 863 281 - 1,144 {dÎmr` df© Ho$ A§V ‘| 18,724 13,098 5,885 4,538 42,245 18,724 13,961 6,166 4,538 43,390 2 gH$b H$‘reZ ì`` 2(H$)A{¾ 1,224 1,944 bmJy Zht bmJy Zht 3,168 1,304 2,170 bmJy Zht bmJy Zht 3,474 2(I)‘arZ 202 412 bmJy Zht bmJy Zht 613 211 465 bmJy Zht bmJy Zht 676 2(J) ‘moQ>a 3,099 16,578 bmJy Zht bmJy Zht 19,677 4,439 19,182 bmJy Zht bmJy Zht 23,621 2(K) ñdmñÏ` 1,927 5,571 5,940 bmJy Zht 13,437 2,125 6,780 7,365 bmJy Zht 16,270 2(L>) AÝ` 908 1,730 bmJy Zht 66 2,704 1,256 1,901 bmJy Zht 67 3,225 2(M)Hw$b 7,359 26,235 5,940 66 39,601 9,335 30,498 7,365 67 47,266 3 n[aMmbZ ì`` 14,658 17,482 5,765 747 38,653 12,575 18,179 6,218 840 37,811 4 OmopI‘-A§H$Z -18,862 -10,758 -723 1,788 -28,555 -18,366 -12,398 -1,635 2,124 -30,276 AZw^d 5 {Zdoe Am` 20,324 19,403 2,137 2,265 44,129 19,444 23,663 2,691 2,314 48,112 6 H$a Ho$ ~mX bm^ 157 5,983 915 3,063 10,119 798 8,150 762 3,444 13,154 7 àXÎm bm^m§e 318 1,403 0 0 1,722 339 1,758 0 484 2,581 H$moð>H$ ‘| Am§H$‹S>o d¥{Õ H$m à{VeV Xem©Vo h¢& dm{f©H$ [anmoQ>© 2024-25 21Zr{V`m± Am¡a H$m`©H«$_ gmYmaU ~r‘mH$Vm©Am|, ñdmñÏ` ~r‘mH$Vm©Am| Am¡a I.2.2.26 J¡a-OrdZ ~r‘m CÚmoJ H$m CnJV Xmdm AZwnmV {deofrH¥$V ~r‘mH$Vm©Am| Ho$ Xmdo ({Zdb A{O©V àr{‘`‘ H$s VwbZm ‘| {Zdb CnJV Xmdo) {nN>bo df© Ho$ 82.52 à{VeV H$s VwbZm ‘| 2024-25 Ho$ I.2.2.25 2024-25 Ho$ Xm¡amZ, Hw$b {Zdb CnJV Xmdm| Zo Xm¡amZ 82.88 à{VeV Wm& gaH$mar joÌ ~r‘mH$Vm©Am| Ho$ {bE {nN>bo df© H$s VwbZm ‘| é.1.88 bmI H$amo‹S> H$s am{e H$s CnJV Xmdm AZwnmV (AmB©grAma) {nN>bo df© Ho$ 97.23 AWm©V² 9.46 à{VeV H$s d¥{Õ H$s gyMZm Xr ({nN>bo df© Ho$ à{VeV Ho$ CnJV Xmdm AZwnmV Ho$ ‘wH$m~bo df© 2024-25 Ho$ Xm¡amZ é.1.72 bmI H$amo‹S>)& AbJ go, gaH$mar joÌ gmYmaU {bE 97.30 à{VeV Wm& O~{H$ {ZOr joÌ gmYmaU ~r‘mH$Vm©Am|, {ZOr joÌ gmYmaU ~r‘mH$Vm©Am| Am¡a ñQ>¢S>AbmoZ ~r‘mH$VmA© m,| ñQ>S¢ >AbmZo ñdmñÏ` ~r‘mH$VmA© m | Ama¡ {defo rH$¥V ñdmñÏ` ~r‘mH$Vm©Am| Zo H«$‘e… 4.41 à{VeV, 13.05 à{VeV ~r‘mH$Vm©Am| Ho$ {bE {nN>bo df© Ho$ H«$‘e… 76.49 à{VeV, Am¡a 27.36 à{VeV H$s d¥{Õ gy{MV H$s, O~{H$ {deofrH¥$V

63.63 à{VeV Am¡a 66.58 à{VeV Ho$ AZwnmV H$s VwbZm ‘| ~r‘mH$Vm©Am| Zo 26.7 à{VeV na CnJV Xmdm| ‘| EH$ {JamdQ> df © 2024-25 H$o {bE H$«‘e… 77.50 à{VeV, 68.06 à{VeV H$s gyMZm Xr& Am¡a 55 à{VeV H$m CnJV Xmdm AZwnmV ahm h¡& gmaUr I.14: gmYmaU, ñdmñÏ` Am¡a {deofrH¥$V ~r‘mH$Vm©Am| H$m I§S>-dma CnJV Xmdm AZwnmV 2023-24 2024-25 H«$‘ gaH$mar {ZOr ñQ>¢S>AbmoZ {deofrH¥$V Hw$b gaH$mar {ZOr ñQ>¢S>AbmoZ {deofrH¥$V Hw$b {ddaU g§. joÌ joÌ ñdmñÏ` ~r‘mH$Vm© joÌ joÌ ñdmñÏ` ~r‘mH$Vm© ~r‘mH$Vm© ~r‘mH$Vm© H$. A{¾ 83.46 69.67 bmJy Zht bmJy Zht 78.33 78.07 65.00 bmJy Zht bmJy Zht 72.93 I. ‘arZ 54.01 83.50 bmJy Zht bmJy Zht 72.39 56.79 84.03 bmJy Zht bmJy Zhr 73.63 J. ‘moQ>a 99.57 73.30 bmJy Zht bmJy Zht 81.98 107.94 74.62 bmJy Zht bmJy Zht 85.51 K. ñdmñÏ` 103.16 83.49 63.63 bmJy Zht 86.35 99.84 83.46 68.06 bmJy Zht 85.34 L>. AÝ` 75.26 74.98 bmJy Zht 66.58 72.78 67.03 77.20 bmJy Zht 54.99 68.62 M. Hw$b 97.23 76.49 63.63 66.58 82.52 97.30 77.50 68.06 54.99 82.88 I.2.2.27 {dÎmr` df© 2024-25 Ho$ Xm¡amZ, {deofrH¥$V 58.9 à{VeV AWm©V² é.62,937 H$amo‹S> H$m ^wJVmZ {H$`m h¡, ~r‘mH$VmA© m | g{hV gmYmaU ~r‘mH$VmA© m | Z o é.1,06,777 H$amS‹o > nrEg`y gmYmaU ~r‘mH$Vm©Am| Zo 34.1 à{VeV AWm©V² é.

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12.23 à{VeV) H$m A§eXmZ {H$`m& {dÎmr` df© 2024-25 Ho$ gmaUr I.23: 31 ‘mM© H$mo OrdZ ~r‘mH$Vm©Am| Ho$ {Z{Y-dma {Zdoe (am{e `H$amo‹S> ‘|) 2024 2025 I§S> gaH$mar {ZOr Hw$b gaH$mar {ZOr Hw$b OrdZ 31,29,515 7,92,268 39,21,783 33,84,590 9,54,859 43,39,449 n|eZ Am¡a gm‘mÝ` dm{f©H$s VWm gm‘y{hH$ {Z{Y 12,59,025 2,15,324 14,74,349 13,67,904 2,42,560 16,10,464 `y{bn 35,040 7,25,677 7,60,717 47,456 7,81,292 8,28,748 Hw$b 44,23,580 17,33,269 61,56,849 47,99,949 19,78,711 67,78,661 gmYmaU ~r‘mH$Vm©Am| Am¡a nwZ~u‘mH$Vm©Am| Ho$ {Zdoe I.6.4.5 31 ‘mM© 2025 H$s pñW{V Ho$ AZwgma, gmYmaU ~r‘mH$Vm©Am| Am¡a nwZ~u‘mH$Vm©Am| Zo é. 3.03 bmI H$amo‹S> I.6.4.4 ~r‘m joÌ Ûmam {H$`o J`o Hw$b {Zdoem| ‘| gmYmaU (45.63 à{VeV) H$m {Zdoe ‘w»` ê$n go Ho$ÝÐ, amÁ` gaH$ma ~r‘mH$Vm©Am| Am¡a nwZ~u‘mH$Vm©Am| Ûmam {Zdoem| H$m A§e 8.93 Am¡a AÝ` AZw‘mo{XV à{V^y{V`m| ‘| VWm é.1.98 bmI H$amo‹S> à{VeV ahm& 31 ‘mM© 2025 H$s pñW{V Ho$ AZwgma, gmYmaU (29.85 à{VeV) H$m {Zdoe AZw‘mo{XV {Zdoem| ‘| {H$`m h¡& ~r‘mH$Vm©Am| Am¡a nwZ~u‘mH$Vm©Am| Ho$ Ûmam {H$`o J`o {Zdoem| H$s gmYmaU ~r‘mH$Vm©Am| Am¡a nwZ~u‘mH$Vm©Am| Ho$ Ûmam loUr-dma Hw$b am{e {nN>bo df© H$s VXZwê$nr Ad{Y Ho$ é. 6.01 bmI {H$`o J`o {Zdoe gmaUr I.24 ‘| Xem©`o J`o h¢& gmYmaU ~r‘m H$amo‹S> H$s VwbZm ‘| é. 6.65 bmI H$amo‹S> Wr Omo 10.6 à{VeV Am¡a nwZ~u‘m H§$nZr-dma {Zdoe {ddaU 17 ‘| àñVwV {H$`o J`o H$s d¥{Õ XO© H$aVr h¡& h¢& 38 dm{f©H$ [anmoQ>© 2024-25Zr{V`m± Am¡a H$m`©H«$_ gmaUr I.24: gmYmaU, ñdmñÏ` d {deofrH¥$V ~r‘mH$Vm©Am| Am¡a nwZ~u‘mH$Vm©Am| Ho$ {Zdoe (am{e `H$amo‹S> ‘|) loUr 31 ‘mM© 2024 H$mo 31 ‘mM© 2025 H$mo gmYmaU nwZ~u‘m gmYmaU nwZ~u‘m ~r‘mH$Vm©^^ H$Vm©## Hw$b ~r‘mH$Vm©^^ H$Vm©## H$wb Ho$ÝÐ gaH$ma à{V^y{V`m± 1,34,832 44,566 1,79,398 1,33,101 49,220 1,82,322 (28.38) (35.37) (29.84) (25.39) (35.01) (27.42) amÁ` gaH$ma Am¡a AÝ` 92,139 28,369 1,20,508 89,421 31,620 1,21,041 AZw‘mo{XV à{V^y{V`m± (19.39) (22.51) (20.05) (17.06) (22.49) (18.21) Amdmg Am¡a amÁ` gaH$ma H$mo 34,291 7,966 42,257 41,441 9,417 50,858 Amdmg d A{¾e‘Z CnñH$a Ho$ (7.22) (6.32) (7.03) (7.90) (6.70) (7.65) {bE F$U ~w{Z`mXr g§aMZm {Zdoe 66,691 17,038 83,729 81,399 19,355 1,00,754 (14.04) (13.52) (13.93) (15.53) (13.77) (15.15) AZw‘mo{XV {Zdoe 1,36,974 25,726 1,62,700 1,68,553 29,902 1,98,455 (28.83) (20.42) (27.07) (32.15) (21.27) (29.85) AÝ` {Zdoe 10,174 2,344 12,518 10,358 1,068 11,426 (2.14) (1.86) (2.08) (1.98) (0.76) (1.72) Hw$b 4,75,101 1,26,010 6,01,111 5,24,273 1,40,583 6,64,856 (100.00) (100.00) (100.00) (100.00) (100.00) (100.00) {Q>ßnUr… 1.^^gmYmaU ~r‘mH$Vm©Am| ‘| {deofrH¥$V ~r‘mH$Vm© Am¡a EgEEMAmB© em{‘b h¢&

2.##nwZ~u‘mH$Vm©Am| ‘| {dXoer nwZ~u‘mH$Vm©Am| H$s emImE± em{‘b h¢& 3. H$moð>H$ ‘| Am§H$‹S>o Hw$b ‘| go à{VeV Xem©Vo h¢&

4. E’$E’$B©… A{¾e‘Z CnñH$a²& I.6.5 gmYmaU Am¡a ñdmñÏ` ~r‘mH$Vm©Am| H$m ñdmñÏ` H$mo N>mo‹S>H$a) àr{‘`‘ Ho$ ê$n ‘| é.1,17,505 H$amo‹S> H$m ~r‘m ì`dgm` g§J«hU {H$`m Am¡a {nN>bo df© H$s VwbZm ‘| bJ^J 9.12 à{VeV H$s d¥{Õ XO© H$s& I.6.5.1 df© 2024-25 Ho$ Xm¡amZ, gmYmaU Am¡a ñdmñÏ` ~r‘m H§$n{Z`m| Zo ñdmñÏ` ~r‘m (d¡`{º$H$ XwK©Q>Zm Am¡a `mÌm gmaUr I.25: gmYmaU Am¡a ñdmñÏ` ~r‘mH$Vm©Am| Ho$ Ûmam OmopI‘-A§{H$V ñdmñÏ` ~r‘m àr{‘`‘ (é. H$amo‹S>) ~r‘mH$Vm© 2023-24 2024-25 gaH$mar joÌ ~r‘mH$Vm© 40,992.94 42,420.79 (4.95) (3.48) {ZOr joÌ ~r‘mH$Vm© 34,507.71 37,752.94 (37.03) (9.40) ñQ>¢S>-AbmoZ ñdmñÏ` ~r‘mH$Vm© 32,180.09 37,331.09 (27.44) (16.00) Hw$b 1,07,680.74 1,17,504.82 (20.32) (9.12) {Q>ßnUr… 1. H$moð>H$ ‘| Am§H$‹S>o {nN>bo df© H$s VwbZm ‘| d¥{Õ (à{VeV ‘|) Xem©Vo h¢&

2. So>Q>m ‘| {dXoem| ‘| {H$`o J`o ñdmñÏ` ~r‘m ì`dgm` H$m ã`moam em{‘b Zht h¡& .

3. Cn`w©º$ àr{‘`‘ ‘| d¡`{º$H$ XwK©Q>Zm, Xoer Am¡a {dXoer `mÌm ~r‘m ì`dgm` em{‘b Zht h¡&

4. So>Q>m ~r‘mH$Vm©Am| Ho$ Ûmam àñVwV H$s JB© ñdmñÏ` ~r‘m {dda{U`m| Ho$ AZwgma h¡& dm{f©H$ [anmoQ>© 2024-25 39Zr{V`m± Am¡a H$m`©H«$_ ñdmñÏ` ~r‘m Ho$ A§VJ©V nm{b{g`m± Am¡a H$da {H$`o J`o d¡`{º$Š& H$da {H$`o J`o OrdZm| H$s g§»`m Ho$ Vm¡a na, gaH$ma OrdZ àm`mo{OV ñdmñÏ` ~r‘m `moOZmAm| Ho$ A§VJ©V bJ^J 42.3 à{VeV OrdZ H$da {H$`o J`o, bJ^J 47.4 à{VeV gm‘y{hH$ I.6.5.2 2024-25 Ho$ Xm¡amZ, gmYmaU Am¡a ñdmñÏ` ~r‘m ì`dgm` ‘| VWm eof 10.3 à{VeV gmYmaU Am¡a ñdmñÏ` H§$n{Z`m| Zo 2.65 H$amo‹S> ñdmñÏ` ~r‘m nm{b{g`m| (d¡`{º$H$ ~r‘mH$Vm©Am| Ho$ Ûmam Omar H$s JB© d¡`{º$H$ nm{b{g`m| Ho$ XwK©Q>Zm Am¡a `mÌm ~r‘m Ho$ A§VJ©V Omar H$s JB© nm{b{g`m| H$mo A§VJ©V H$da {H$`o J`o& àr{‘`‘ H$s am{e Ho$ Vm¡a na, gm‘y{hH$ N>mo‹S>H$a) Ho$ A§VJ©V 58 H$amo‹S> OrdZm| H$mo H$da {H$`m h¡& ì`dgm` H$m A§e g~go A{YH$ Wm (52.3 à{VeV), {OgHo$ ~mX d¡`{º$H$ (39.7 à{VeV) Am¡a gaH$mar ì`dgm` (8.0 I.6.5.3 ñdmñÏ` ~r‘m ì`dgm` H$mo ì`dgm` Ho$ VrZ dJm] ‘| à{VeV) ahm& dJuH¥$V {H$`m J`m h¡ AWm©V² gaH$ma àm`mo{OV, gm‘y{hH$ Am¡a gmaUr I.26: gmYmaU Am¡a ñdmñÏ` ~r‘mH$Vm©Am| Ho$ ñdmñÏ` ~r‘m ì`dgm` Ho$ A§VJ©V nm{b{g`m±, H$da {H$`o J`o OrdZ Am¡a àr{‘`‘ nm{b{g`m| H$s g§»`m (bmI) H$da {H$`o J`o OrdZm| H$s g§»`m (bmI) gH$b àr{‘`‘ ( H$amo‹S>) ì`dgm` H$s loUr 2023-24 2024-25 2023-24 2024-25 2023-24 2024-25 gaH$ma àm`mo{OV ì`dgm` 0.00025 0.00026 2,611.04 2,454.00 10,513.67 9,458.75 (-50.98) (4.00) (-12.31) (-6.01) (23.98) (-10.03) gm‘y{hH$ ì`dgm` 37.29 13.05 2,559.09 2,751.01 55,666.01 61,434.68 (473.69) (-65.00) (28.34) (7.50) (20.37) (10.36) d¡`{º$H$ ì`dgm` 230.99 251.85 558.57 601.46 41,501.06 46,611.39 (5.03) (9.03) (5.61) (7.68) (19.37) (12.31) Hw$b 268.29 264.90 5,728.71 5,806.47 1,07,680.74 1,17,504.82 (d¥{Õ à{VeV ‘|) (18.49) (-1.26) (4.15) (1.36) (20.32) (9.12) {Q>ßnUr… H$moð>H$ ‘| Am§H$‹S>o {nN>bo df© H$s VwbZm ‘| d¥{Õ (à{VeV ‘|) Xem©Vo h¢& So>Q>m ‘| d¡`{º$H$ XwK©Q>Zm Am¡a `mÌm ~r‘m em{‘b Zht h¢& 40 dm{f©H$ [anmoQ>© 2024-25Zr{V`m± Am¡a H$m`©H«$_ I.6.5.4 gmYmaU Am¡a ñdmñÏ` ~r‘mH$Vm©Am| Ho$ ñdmñÏ` à{VeV H$s d¥{Õ gy{MV H$s& ñdmñÏ` ì`dgm` Ho$ CnJV Xmdm ~r‘m ì`dgm` Ho$ A§VJ©V {Zdb CnJV Xmdo 2024-25 ‘| AZwnmV (AmB©grAma) ‘| 2023-24 Ho$ 88.15 à{VeV go é.84,850 H$amo‹S> na aho {OÝhm|Zo {nN>bo df© go bJ^J 11 2024-25 ‘| 86.98 à{VeV VH$ {JamdQ> hþB©²& gmaUr I.27: gmYmaU Am¡a ñdmñÏ` ~r‘mH$Vm©Am| Ho$ ñdmñÏ` ~r‘m ì`dgm` Ho$ A§VJ©V CnJV Xmdm AZwnmV (à{VeV ‘|) gaH$mar ì`dgm` gm‘y{hH$ ì`dgm` d¡`{º$H$ ì`dgm` Hw$b ~r‘mH$Vm© 2023-24 2024-25 2023-24 2024-25 2023-24 2024-25 2023-24 2024-25 gaH$mar joÌ ~r‘mH$Vm© 114.88 94.45 103.07 103.61 95.74 95.04 103.38 100.59 {ZOr joÌ ~r‘mH$Vm© 121.23 97.92 90.79 87.79 81.28 84.91 88.71 87.59 ñQ>¢S>-AbmoZ ñdmñÏ` ~r‘mH$Vm© 0.00 0.00 66.59 67.74 64.08 69.08 64.71 68.73 Hw$b 115.28 95.25 93.75 92.41 75.06 77.93 88.15 86.98 {Q>ßnUr… d¡¶{º$H$ Am¡a ¶mÌm ~r‘m ì¶dgm¶ H$m S>mQ>m em{‘b Zhr h¡& dm{f©H$ [anmoQ>© 2024-25 41Zr{V`m± Am¡a H$m`©H«$_ I.6.5.5 2024-25 Ho$ Xm¡amZ, gmYmaU Am¡a ñdmñÏ` ~r‘mH$Vm©Am| Zo AnZo Xmdm| H$s am{e Ho$ EH$ à{VeV H$m ~r‘mH$Vm©Am| Zo 3.26 H$amo‹S> ñdmñÏ` ~r‘m Xmdm| H$m {ZnQ>mZ {ZnQ>mZ XmoZm| ZH$Xra{hV Am¡a à{Vny{V© nÕ{V Ho$ ‘mÜ`‘ go {H$`m h¡ Am¡a ñdmñÏ` ~r‘m Xmdm| Ho$ {ZnQ>mZ Ho$ {bE é. {H$`m h¡& am{e ‘| ZH$Xra{hV Xmdm| Ho$ Vm¡a na, 66.35 à{VeV 94,248 H$amo‹S> H$s am{e H$m ^wJVmZ {H$`m h¡& à{V Xmdm H$m {ZnQ>mZ ZH$Xra{hV nÕ{V Ho$ Ûmam {H$`m J`m& ^wJVmZ H$s JB© Am¡gV am{e é. 28,910 Wr& {ZnQ>mZ {H$`o J`o Xmdm| H$s g§»`m Ho$ Vm¡a na, Xmdm| Ho$ 69 à{VeV H$m {ZnQ>mZ I.6.5.6 2024-25 Ho$ Xm¡amZ, ~r‘mH$Vm©Am| Zo AnZr ~{h`m| ‘| XO© Xmdm| H$s Hw$b g§»`m Ho$ bJ^J 87 à{VeV H$m {ZnQ>mZ Q>rnrEEg Ho$ ‘mÜ`‘ go {H$`m J`m Am¡a Xmdm| Ho$ eof 31 {H$`m h¡ VWm CZHo$ bJ^J 8 à{VeV H$m {ZamH$aU {H$`m h¡ à{VeV H$m {ZnQ>mZ Am§V[aH$ ì`dñWm Ho$ Ûmam {H$`m J`m& Am¡a eof bJ^J 5 à{VeV Xmdo 31 ‘mM© 2025 H$s pñW{V Ho$ Xmdm| Ho$ {ZnQ>mZ H$s nÕ{V Ho$ Vm¡a na, Xmdm| H$s Hw$b g§»`m Ho$ 58 à{VeV H$m {ZnQ>mZ ZH$Xra{hV nÕ{V go {H$`m J`m Am¡a AZwgma {ZnQ>mZ Ho$ {bE b§{~V Wo& AÝ` 41 à{VeV H$m {ZnQ>mZ à{Vny{V© Ho$ Ûmam {H$`m J`m& gmaUr I.28: gmYmaU Am¡a ñdmñÏ` ~r‘mH$Vm©Am| Ho$ ñdmñÏ` ~r‘m ì`dgm` Ho$ A§VJ©V ^wJVmZ {H$`o J`o Xmdo (gH$b) (g§»`m bmIm| ‘|, am{e ` H$amo‹S> ‘|) Q>rnrE Am§V[aH$ Hw$b Xmdm {ZnQ>mZ H$s nÕ{V g§»`m am{e g§»`m am{e g§»`m am{e Ho$db ZH$Xra{hV 136.33 37,574.02 52.62 24,963.30 188.95 62,537.32 (60.84) (68.20) (51.63) (63.75) (57.96) (66.35) Ho$db à{Vny{V© 81.26 15,934.65 38.32 11,714.10 119.58 27,648.75 (36.26) (28.92) (37.60) (29.92) (36.68) (29.34) XmoZm| ZH$Xra{hV 3.07 1,413.86 1.26 1,497.75 4.33 2,911.61 Am¡a à{Vny{V© (1.37) (2.57) (1.24) (3.82) (1.33) (3.09) bm^ AmYm[aV 3.42 168.05 9.72 987.05 13.14 1,149.92 (1.53) (0.31) (9.54) (2.52) (4.03) (1.22) Hw$b 224.08 55,090.59 101.93 39,157.02 326.01 94,247.61 (100.00) (100.00) (100.00) (100.00) (100.00) (100.00) {Q>ßnUr… 1. H$moð>H$ ‘| Am§H$‹S>o Hw$b ‘| go à{VeV h¢& So>Q>m ‘| d¡`{º$H$ XwK©Q>Zm Am¡a `mÌm em{‘b Zht h¢& 42 dm{f©H$ [anmoQ>© 2024-25Zr{V`m± Am¡a H$m`©H«$_ gmaUr I.29: gmYmaU Am¡a ñdmñÏ` ~r‘mH$Vm©Am| Ho$ ñdmñÏ` ~r‘m Ho$ A§VJ©V Xmdm| H$s pñW{V (g§»`m bmIm| ‘|, am{e `H$amo‹S> ‘|) Ad{Y Ho$ àma§^ Ad{Y Ho$ Xm¡amZ Hw$b Xmdo Ad{Y Ho$ Xm¡amZ nm{bgr g§{dXm H$s Ad{Y Ho$ df© Ho$ A§V ‘| ‘| ~H$m`m Xmdo n§OrH¥$V Z`o Xmdo ^wJVmZ eVm] Ho$ AZwgma Xm¡amZ {ZamH¥$V ~H$m`m Xmdo {H$`o J`o Xmdo AñdrH¥$V Xmdo Xmdo g»§ `m am{e gI§ `m am{e g»§ `m am{e g»§ `m am{e g»§ `m am{e g»§ `m am{e g»§ `m am{e

20.73 7,584.58 351.85 1,24,903.22 372.58 1,32,487.81 326.01 94,247.60 0.00 18,521.02 29.51 11,412.42 17.07 8,306.76

(100) (100) (87.50) (71.14) (0) (13.98) (7.92) (8.61) (4.58) (6.27) {Q>ßnUr… H$moð>H$ ‘| Am§H$‹S>o Hw$b ‘| go à{VeV h¢& OrdZ ~r‘mH$Vm©Am| H$m ñdmñÏ` ~r‘m ì`dgm` I.6.5.8 2024-25 Ho$ Xm¡amZ, OrdZ ~r‘mH$Vm©Am| Zo {d{^Þ ñdmñÏ` ~r‘m CËnmXm| go é. 1,158 H$amo‹S> H$m Hw$b àr{‘`‘ àr{‘`‘, nm{b{g`m± Am¡a H$da {H$`o J`o OrdZ àmá {H$`m& O~{H$ ZdrH$aU àr{‘`‘ Zo Hw$b àr{‘`‘ Ho$ I.6.5.7 df© 2024-25 Ho$ Xm¡amZ, OrdZ ~r‘mH$Vm©Am| Zo bJ^J 61 à{VeV H$m A§eXmZ {H$`m, dht Z`o ì`dgm` Zo ñdmñÏ` ~r‘m àr{‘`‘ Ho$ ê$n ‘| 2023-24 Ho$ é. 1,554 eof 39 à{VeV H$m A§eXmZ {H$`m& OrdZ ~r‘mH$Vm©Am| Zo H$amo‹S> Ho$ ‘wH$m~bo é.2,382 H$amo‹S> H$m g§J«hU {H$`m Am¡a Bg 2024-25 Ho$ Xm¡amZ 1.19 bmI OrdZm| H$mo H$da H$aVo hþE àH$ma 53.27 à{VeV H$s d¥{Õ XO© H$s&

1.66 bmI ZB© nm{b{g`m± Omar H$s¨, O~{H$ CÝhm|Zo 7.63 OrdZ ~r‘mH$Vm©Am| Ho$ Ûmam {dnUZ {H$`o J`o ñdmñÏ` bmI OrdZm| H$mo H$da H$aVo hþE 8.78 bmI nm{b{g`m| H$m ~r‘m CËnmX ZdrH$aU {H$`m& gmaUr I.30: OrdZ ~r‘mH$Vm©Am| Ho$ ñdmñÏ` ~r‘m ì`dgm` Ho$ A§VJ©V nm{b{g`m|, H$da {H$`o J`o OrdZm| H$s g§»`m Am¡a àr{‘`‘ nm{b{g`m| H$s g§. / amBS>am| H$s g§. H$da {H$`o J`o OrdZm| H$s g§. ("000) gH$b àr{‘`‘ ( H$amo‹S>) ì`dgm` H$s loUr 2023-24 2024-25 2023-24 2024-25 2023-24 2024-25 OrdZ ~r‘mH$Vm©Am| Ho$ Ûmam {dnUZ {H$`o J`o ñdmñÏ` ~r‘m CËnmX Z`m ì`dgm` 90,605 1,65,866 197.99 119.38 109.44 451.26 ZdrH$aU ì`dgm` 9,15,960 8,78,342 945.61 763.05 612.44 706.94 OrdZ ~r‘m CËnmXm| Ho$ gmW g§~Õ ñdmñÏ` amBS>a Z`m ì`dgm` 7,68,372 10,11,744 3,082.38 3,389.92 347.01 547.46 ZdrH$aU ì`dgm` 25,23,119 40,77,562 3,124.93 5,062.99 484.84 676.22 dm{f©H$ [anmoQ>© 2024-25 43Zr{V`m± Am¡a H$m`©H«$_ OrdZ ~r‘m CËnmXmo Ho$ gmW g§~Õ ñdmñÏ` ~r‘m amBS>a go ZdrH$aU 55 à{VeV Ho$ Wo O~{H$ eof 45 à{VeV Z`o ì`dgm` H$m Wm& 2024-25 Ho$ Xm¡amZ, 33.90 bmI OrdZm| I.6.5.9 amBS>a Omo ‘yb CËnmXm| Ho$ gmW g§~Õ {H$`o OmVo h¢, H$mo H$da H$aVo hþE Z`o OrdZ ~r‘m CËnmXm| Ho$ gmW 10.12 nm{bgrYmaH$m| H$mo EH$ ‘yë`dY©Z Ho$ ê$n ‘| àñVm{dV {H$`o bmI ñdmñÏ` ~r‘m amBS>a Omar {H$`o J`o Wo& Bgr Ad{Y Ho$ OmVo h¢& 2024-25 Ho$ Xm¡amZ OrdZ ~r‘m nm{b{g`m| Ho$ gmW Xm¡amZ, OrdZ ~r‘m CËnmXm| Ho$ gmW g§~Õ 40.78 bmI amBS>am| g§~Õ ñdmñÏ` ~r‘m amBS>am| Ho$ Ûmam é. 1,224 H$amo‹S> H$m H$m ZdrH$aU {H$`m J`m {OÝhm|Zo 50.63 bmI OrdZm| H$mo àr{‘`‘ àmá {H$`m J`m& BZ amBS>am| go àmá Hw$b àr{‘`‘ ‘| H$da {H$`m& gmaUr I.31: OrdZ ~r‘mH$Vm©Am| Ho$ ñdmñÏ` ~r‘m ì`dgm` Ho$ A§VJ©V Xmdm| H$s pñW{V (g§»`m dmñVdrH$ AmH$‹S>mo ‘|, am{e é. H$amo‹S> ‘|) df© Ho$ àma§^ df© Ho$ Xm¡amZ gy{MV df© Ho$ Xm¡amZ {ZamH¥$V/ df© Ho$ A§V ‘| I§S> ‘| ~H$m`m Xmdo {H$`o J`o Xmdo àXÎm Xmdo AñdrH¥$V Xmdo ~H$m`m Xmdo g§. am{e g§. am{e g§. am{e g§. am{e g§. am{e ñdmñÏ` ~r‘m CËnmX 424 17.45 35,386 361.27 28,770 310.73 6,607 50.44 433 17.55 ñdmñÏ` ~r‘m amBS>a 353 18.07 27,991 152.95 27,775 136.68 557 32.65 12 1.69 OrdZ ~r‘mH$Vm©Am| Ho$ ñdmñÏ` ~r‘m ì`dgm` Ho$ A§VJ©V {H$`m h¡& Bg‘| gaH$ma H$s AJ«Ur `moOZmAm| AWm©V² àYmZ‘§Ìr Xmdo gwajm ~r‘m `moOZm (nrE‘Eg~rdmB©), àYmZ‘§Ìr OZYZ `moOZm (nrE‘OSo >rdmB)© , Ama¡ B-© {Q>H$Q> `m{Ì`m | H$o {bE AmBA© magrQ>rgr I.6.5.10 df© 2024-25 Ho$ Xm¡amZ, OrdZ ~r‘mH$Vm©Am| Zo `mÌm ~r‘m Ho$ A§VJ©V H$da {H$`o J`o 93.80 H$amo‹S> OrdZ ñdmñÏ` ~r‘m CËnmXm| Ho$ g§~§Y ‘| 28,770 Xmdm| (n§OrH¥$V em{‘b h¢& Xmdm| H$s Hw$b g§»`m H$m 80 à{VeV) Ho$ {ZnQ>mZ Ho$ {bE Xmdm| Ho$ ê$n ‘| é. 311 H$amo‹S> H$m ^wJVmZ {H$`m h¡& amBS>a Xmdm| Ho$ I.6.5.12 2024-25 H$o Xma¡ mZ, d`¡ {º$H$ XKw Q© >Zm ~r‘m ì`dgm` g§~§Y ‘|, n§OrH¥$V Xmdm| Ho$ 98 à{VeV Ho$ {bE é. 137 H$amo‹S> go gH$b àr{‘`‘ Am` é. 8,601 H$amo‹S> Wr& O~{H$ {ZOr H$s am{e H$m ^wJVmZ 27,775 Xmdm| Ho$ {ZnQ>mZ Ho$ {bE {H$`m joÌ gmYmaU ~r‘mH$Vm©Am| Zo Hw$b àr{‘`‘ Ho$ bJ^J 50 J`m& à{VeV H$m A§eXmZ {H$`m h¡, dht gaH$mar joÌ gmYmaU ~r‘mH$Vm©Am| Am¡a ñQ>¢S>-AbmoZ ñdmñÏ` ~r‘mH$Vm©Am| Zo H«$‘e… d¡`{º$H$ XwK©Q>Zm ~r‘m àr{‘`‘ Ho$ bJ^J 40 à{VeV Am¡a 10 à{VeV H$m A§eXmZ {H$`m h¡& ì`dgm` H$s Bg ì`dñWm Ho$ {bE AmB©grAma df© I.6.5.11 2024-25 Ho$ Xm¡amZ, ~r‘m CÚmoJ Zo d¡`{º$H$ 2024-25 Ho$ {bE bJ^J 64 à{VeV Wm& XwK©Q>Zm ~r‘m Ho$ A§VJ©V Hw$b 163.05 H$amo‹S> OrdZm| H$mo H$da gmaUr I.32: d¡`{º$H$ XwK©Q>Zm ~r‘m Ho$ A§VJ©V ì`dgm` OrdZm| H$s g§»`m (bmI) gH$b àr{‘`‘ ( H$amo‹S>) CnJV Xmdm AZwnmV (%) ~r‘mH$Vm© 2023-24 2024-25 2023-24 2024-25 2023-24 2024-25 gaH$mar joÌ 7,975.95 9,422.60 2,554.99 3,421.28 96.82 83.95 {ZOr joÌ 8,316.54 6,620.81 4,468.73 4,273.48 53.80 51.40 ñQ>¢S>-AbmoZ ñdmñÏ` 212.02 261.59 764.76 906.15 23.99 29.48 Hw$b 16,504.51 16,304.99 7,788.47 8,600.92 66.87 63.59 {Q>ßnUr…

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(EAmB©gr) Am¡a ^maVr` {Z`m©V F$U Jma§Q>r {ZJ‘ gmW-gmW {ZåZ{bpIV em{‘b h¢ {b. (B©grOrgr) O¡gr {deofrH¥$V g§ñWmAm| Ho$ gmW gh`moJ • J¡a-F$UH$Vm© {H$gmZm| Ho$ {bE µ’$gb ~r‘m Am¡a g§`wº$ H$a gH$Vo h¢& (H$må~r) CËnmXm | g{hV, d`¡ {º$H$ Ama¡ /`m IXw am AmYma na ~oMo OmZodmbo g^r àH$ma Ho$ ~r‘m CËnmXm| H$s Anojm II.2.5.5 AmH$m§jr {Obm| ‘| ~mOma gh^m{JVm H$mo àmoËgm{hV (g{b{gQ>oeZ) Am¡a àmnU& H$aZ o Ama¡ ~r‘m ì`mnZ H$s d{¥Õ H$aZ o H$o {bE, AmBA© maS>rEAmB© Zo `h A{YXoemË‘H$ (‘¢So>Q>ar) {H$`m h¡ {H$ ~r‘m {dnUZ ’$‘© • ~r‘m nm{b{g`m± O¡go g§n{Îm, gm‘y{hH$ d¡`{º$H$ XwK©Q>Zm, (AmB©E‘E’$Eg) {OÝhm|Zo {H$gr EH$ (1) go A{YH$ {Obm| ‘| gm‘y{hH$ ñdmñÏ`, gm‘y{hH$ ~MV-gh~Õ ~r‘m (OrEgEbAmB©), VWm gyú‘, bKw Am¡a ‘Ü`‘ CÚ‘ n[aMmbZ H$aZo Ho$ {bE {dH$ën {X`m h¡, A{Zdm`©V… H$‘ go (E‘EgE‘B©Eg)& AmB©E‘E’$ H$mo E‘EgE‘B©Eg H$mo H$‘ EH$ AmH$m§jr {Obo ‘| H$m`m©b` Imob|& N>mo‹S>H$a {H$gr ^r AÝ` I§S> Ho$ {bE ì`dgm` H$s dm{f©H$ [anmoQ>© 2024-25 67H$m¶©©àUmbr Am¡a n[aMmbZm| H$s g‘rjm II.2.5.6 AmB©E‘E’$ H$m {ddaU {ZåZmZwgma h¡… • g§J¥hrV Hw$b ZdrH$aU àr{‘`‘ (OrdZ): é. 2,022 H$amo‹S> • {dÎmr` df© 2024-25 Ho$ Xm¡amZ 487 EZAmogr Omar {H$`o J`o& • AmaEnr H$s g§»`m {OÝhm|Zo à{ejU àmá {H$`m h¡ Am¡a • 31 ‘mM© 2025 VH$ Hw$b 3,613 EZAmogr Omar {H$`o narjm CÎmrU© H$s h¡ VWm {OÝh| à‘mUnÌ Omar {H$`o J`o J`o& h¢ : 4,340 • {dÎmr` df © 2024-25 H$o Xma¡ mZ 120 nO§ rH$aU à‘mUnÌ • AmaEnr H$s g§»`m {OÝhm|Zo àma§^ go boH$a à{ejU Omar {H$`o J`o& àmá {H$`m h¡ Am¡a narjm CÎmrU© H$s h¡ VWm {OÝh| • 31 ‘mM© 2025 VH$ Hw$b 799 n§OrH$aU Omar {H$`o à‘mUnÌ Omar {H$`o J`o h¢ : 1,09,481 J`o& • drEbB©-AmB©EZEg H$s g§»`m {OÝhm|Zo à{ejU àmá Hw$b 799 n§OrH$aUm| ‘o go, 590 àMbZ ‘| h¢ VWm eof 209 {H$`m h¡ Am¡a narjm CÎmrU© H$s h¡ VWm {OÝh| à‘mUnÌ àMbZ ‘| Zht h¢& Omar {H$`o J`o h¢ : 27,990 II.2.5.7 OZdar 2018 ‘|, Zr{V Am`moJ Zo Xoe Ho$ gdm©{YH$ • drEbB©-AmB©EZEg H$s g§»`m {OÝhm|Zo àma§^ go boH$a Aën{dH${gV {Obm | H$o {dH$mg H$s J{V ~T‹ >mZ o H$o {bE AmH$mj§ r à{ejU àmá {H$`m h¡ Am¡a narjm CÎmrU© H$s h¡ VWm {Obm| H$m ê$nm§VaU àma§^ {H$`m& BZ {Obm| H$s àJ{V H$m {OÝh| à‘mUnÌ Omar {H$`o J`o h¢ : 2,93,130 AmH$bZ H$aZo Ho$ {bE à`wº$ 49 ‘w»` H$m`©{ZînmXZ g§Ho$VH$m| Ho$ ~rM {dÎmr` g‘mdoeZ EH$ ‘hËdnyU© ‘mnH$ h¡& Bg H$m`©H«$‘ II.2.7 ~r‘m do~ g§J«mhH$ Ho$ AZwê$n, AmB©AmaS>rEAmB© Zo BZ joÌm| ‘| AnZo n[aMmbZ II.2.7.1 ~r‘m do~ g§J«mhH$ àm{YH$aU Ho$ nmg n§OrH¥$V ~r‘m ñWm{nV H$aZo Ho$ {bE g§^m{dV AmdoXH$m| H$mo àmoËgm{hV H$aVo ‘Ü`dVu h ¢ Ama¡ AmBA© maS>rEAmB © (~r‘m d~o gJ§ m«hH$) {d{Z`‘, hþE, BZ AmH$m§jr {Obm| ‘| n[aMmbZ H$aZo Ho$ {bE {Zdb 2017 Ûmam {Z`§{ÌV h¢& Cº$ {d{Z`‘ do~ g§J«mhH$ H$m n`©dojU ‘m{b`V (ZoQ> dW©) H$s Anojm H$mo H$‘ {H$`m h¡& Am¡a {ZJamZr H$aZo Ho$ CÔoí` Ho$ gmW 13 Aà¡b 2017 H$mo II.2.6 gm‘mÝ` gmd©O{ZH$ godm Ho$ÝÐ Egnrdr A{Ygy{MV {H$`o J`o& II.2.6.1 Cº$ gm‘mÝ` gmd©O{ZH$ godm Ho$ÝÐ (grEggr) II.2.7.2 do~ g§J«mhH$ EH$ Eogm ì`{º$ (AmB©AmaS>rEAmB© ^maV gaH$ma Ûmam {S>{OQ>b B§{S>`m H$m`©H«$‘ Ho$ A§VJ©V ñWm{nV (~r‘m d~o gJ§ m«hH$) {d{Z`‘, 2017 ‘ | `Wmn[a^m{fV "ì`{º$') {H$`o J`o Wo Am¡a BZH$m à~§Y grEggr B©-JdZ¤g g{d©goµO h¡ Omo H$s‘Vm| H$s VwbZm Am¡a {d{^Þ ~r‘mH$Vm©Am| Ho$ CËnmXm| B§{S>`m {b{‘Q>oS> Ûmam {H$`m OmVm h¡& àm{YH$aU Zo àma§^ ‘| H$s gyMZm Ho$ {bE g§^m{dV ~r‘m J«mhH$m| H$mo B§Q>a’o$g CnbãY AmB©AmaS>rEAmB© (gm‘mÝ` godm Ho$ÝÐm| Ho$ Ûmam ~r‘m godmE±) H$amZo Ho$ {bE EH$ do~gmBQ> H$m AZwajU H$aVm h¡ VWm {Ogo {d{Z`‘ 5 Aºy$~a 2015 H$mo Omar {H$`o Wo, Omo ~mX ‘| 30 AmZbmBZ Am¡a XyañW {dnUZ ‘mÜ`‘m| Ho$ Ûmam OrdZ, gmYmaU OwbmB© 2019 H$mo AmB©AmaS>rEAmB© (gm‘mÝ` gmd©O{ZH$ godm Am¡a ñdmñÏ` ~r‘m CËnmX ~oMZo Ho$ {bE àm{YH¥$V {H$`m OmVm Ho$ÝÐm| Ho$ Ûmam ~r‘m godmE±) {d{Z`‘m| Ho$ Ûmam à{VñWm{nV {H$`o h¡& BgHo$ Abmdm, EH$ ~r‘m do~ g§J«mhH$ Ho$ nmg nƒrg J`o& bmI én`o H$s Ý`yZV‘ àXÎm ny±Or / A§eXmZ hmoJm& 31 ‘mM© 2025 H$s pñW{V Ho$ AZwgma, à‘mUrH¥$V ~r‘m do~ g§J«mhH$m| df© 2024-25 Ho$ Xm¡amZ grnrEggr-Egnrdr ‘mÜ`‘ H$m H$m`©{ZînmXZ {ZåZmZwgma h¡… H$s g§»`m 32 h¡ VWm g{H«$` ~r‘m do~ g§J«mhH$ 22 h¢& • àmá Hw$b Z`m ì`dgm` àr{‘`‘… é. 406.74 H$amo‹S> 68 dm{f©H$ [anmoQ>© 2024-25H$m¶©©àUmbr Am¡a n[aMmbZm| H$s g‘rjm do~ g§J«mhH$m| Ho$ Ûmam CËnÞ {H$`m J`m ì`dgm`… ì`mnmar H$s ^y{‘H$m H$s nhMmZ H$aZo VWm ~r‘m go g§~§{YV CZHo$ H$m`©H$bmnm| na {d{Z`m‘H$ {ZJamZr aIZo Ho$ CÔoí` go • àmá Hw$b àr{‘`‘… é. 83.43 H$amo‹S> 2017 ‘| ‘moQ>a ~r‘m godm àXmVm (E‘AmB©Egnr) {Xem{ZX}e • Omar H$s JB© nm{b{g`m| H$s Hw$b g§»`m… 3,31,498 Omar {H$`o h¢& • CZH$s do~gmBQ> ‘| AmJ§VwH$m| ({d{OQ>am|) H$s Hw$b g§»`m… 31 ‘mM© 2025 H$s pñW{V Ho$ AZwgma E‘AmB©EgnrEg H$s 62,18,796 g§»`m 26,316 h¡& 31 ‘mM© 2025 H$s pñW{V Ho$ AZwgma E‘AmB©Egnr g§~§Yr {dñV¥V Am§H$‹S>o {ZåZmZwgma h¢ :

II.2.8 {~H«$s Ho$ÝÐ {dH«o$Vm (nmB§Q> Am’$ goëg ng©Ýg)

(nrAmoEgnrEg) gmaUr II.8 : {d{^Þ àm`moOH$ EO|{g`m| Ho$ nmg E‘AmB©EgnrEg H$s g§»`m II.2.8.1 Xoe ‘| ~r‘m ì`dgm` H$s d¥{Õ H$mo gwgmÜ` ~ZmZo àm`moOH$ E‘AmB©Egnr VWm ~r‘m ì`mnZ Am¡a ~r‘m gKZVm H$mo ~‹T>mZo Ho$ {bE àm`moOH$ EO|gr EO|{g`m| H$s AmB©AmaS>rEAmB© Zo AnZr {dH$mg H$m`©gyMr Ho$ ^mJ Ho$ ê$n ‘| H$s g§»`m g§»`m {~H«$s Ho$ÝÐ {dH«o$VmAm| g§~§Yr {Xem{ZX}e Omar {H$`o& nrAmoEgnr ~r‘mH$Vm© 19 9,708 go EH$ Eogm ì`{º$ A{^àoV h¡ {OgHo$ nmg Ý`yZV‘ Ah©VmE± h¢, ~r‘m Xbmb 32 16,230 {OgZo à{ejU àmá {H$`m h¡ Am¡a nrAmoEgnr {Xem{ZX}em| ‘| H$manmoaoQ> EO|Q> 6 378 {d{Z{X©ï> {H$`o AZwgma narjm CÎmrU© H$s h¡ VWm Ho$db AmB©AmaS>rEAmB© Ûmam {d{Z{X©ï> {H$`o J`o CËnmXm| H$s Anojm Hw$b 57 26,316 Am¡a {dnUZ H$aVm h¡& II.2.10 ~r‘m ^§S>ma ([anmo{OQ>arµO) 31 ‘mM© 2025 H$s pñW{V Ho$ AZwgma nrAmoEgnr H$s g§»`m II.2.10.1 ~r‘m [anmo{OQ>ar àUmbr, Omo AmB©AmaS>rEAmB© Ho$ 27,18,487 h&¡ 31 ‘mM ©2025 H$s pñW{V H$o AZgw ma nrAmEo gnr Ûmam H$s JB © nhb h,¡ H$m CÔío ` ~r‘m nm{b{g`m | H$m A‘Vy uH$aU g§~§Yr {dñV¥V gm§p»`H$s {ZåZmZwgma h¡… (S>r‘oQ>r[a`bmBOoeZ) H$aZm h¡& Bgo àmá H$aZo Ho$ {bE, AmB©AmaS>rEAmB© Zo Aà¡b 2011 ‘| ~r‘m [anmo{OQ>[a`m| Am¡a gmaUr II.7 : VXZwê$nr àm`moOH$ EO|{g`m| Ho$ nmg ~r‘m nm{b{g`m| Ho$ BboŠQ´m{ZH$ {ZJ©‘ g§~§Yr {Xem{ZX}e Omar nrAmoEgnrEg H$s g§»`m {H$`o& ~mX ‘| BZ {Xem{ZX}em| H$m g§emoYZ ‘B© 2015 ‘| {H$`m àm`moOH$ àm`moOH$ EO|{g`m| nrAmoEgnr J`m& 31 ‘mM© 2025 H$s pñW{V Ho$ AZwgma, Hw$b 2.03 H$amo‹S> EO|gr H$s g§»`m H$s g§»`m BboŠQ´m{ZH$ ~r‘m ImVm| (B©AmB©EEg) H$m {Z‘m©U {H$`m J`m, ~r‘mH$Vm© 48 9,32,792 VWm Aà¡b 2011 go 2.74 H$amo‹S> nm{b{g`m| H$mo BboŠQ´m{ZH$ ~r‘m Xbmb 302 14,81,248 nÕ{V ‘| n[ad{V©V {H$`m J`m& {dÎmr` df© 2024-25 Ho$ H$manmoaoQ> EO|Q> 73 3,04,303 Xm¡amZ, 50.59 bmI B©AmB©E {Z{‘©V {H$`o J`o h¢ Am¡a 70.39 ~r‘m {dnUZ ’$‘© (AmB©E‘E’$) 5 144 bmI B©-~r‘m nm{b{g`m± O‘m H$s JB© h¢& Hw$b 428 27,18,487 31 ‘mM© 2025 H$s pñW{V Ho$ AZwgma, AmB©AmaS>rEAmB© Ûmam II.2.9 ‘moQ>a ~r‘m godm àXmVm AZw‘mo{XV Mma ~r‘m ^§S>ma ([anmo{OQ>arµO) h¢& do h¢ :

II.2.9.1 AmB©AmaS>rEAmB© Zo ‘moQ>a ~r‘m nm{b{g`m| H$m {dVaU • EZEgS>rEb ZoeZb B§í`moa|g [anmo{OQ>ar Am¡a g{d©qgJ H$aZo ‘| ñdMm{bV (AmQ>mo‘mo{Q>d) dmhZm| Ho$ • grS>rEgEb B§í`moa|g [anmo{OQ>ar {b{‘Q>oS> dm{f©H$ [anmoQ>© 2024-25 69H$m¶©©àUmbr Am¡a n[aMmbZm| H$s g‘rjm • grEE‘Eg [anmo{OQ>ar g{d©goµO {b{‘Q>oS> gmaUr II.9 : Omar {H$`o J`o EgEbE bmBg|gm| H$s g§»`m • H$mdu B§í`moa|g [anmo{OQ>ar {b{‘Q>oS> Omar {H$`o J`o EgEbE bmBg|gm| H$s g§»`m EgEbE H$m àH$ma 2023-24 2024-25 II.2.11 ~r‘m gd}jH$ Am¡a hm{Z {ZYm©aH$ Z`o bmBg|g II.2.11.1 gd}jH$ Am¡a hm{Z {ZYm©aH$ (EgEbE) gmYmaU d¡`{º$H$ 396 485 H$manmoaoQ> 24 23 ~r‘m nm{b{g`m| go g§~§{YV Xmdm| Ho$ ‘yë`m§H$Z Am¡a {ZnQ>mZ ‘| Hw$b 420 508 EH$ ‘hËdnyU© ^y{‘H$m {Z^mVo h¢& EgEbE Ho$ ê$n ‘| H$m`© H$aZo ZdrH$aU Ho$ {bE BÀNw>H$ ì`{º$ (ì`{º$/H§$nZr/’$‘©) H$mo ^maVr` ~r‘m d¡`{º$H$ 2,809 3,046 {d{Z`m‘H$ Am¡a {dH$mg àm{YH$aU (AmB©AmaS>rEAmB©) go H$manmoaoQ> 56 57 A{Zdm`V© … bmBgg| àmá H$aZm Mm{hE, Og¡ m {H$ ~r‘m {d{Z`m‘H$ Hw$b 2,865 3,103 Am¡a {dH$mg àm{YH$aU A{Y{Z`‘, 1999 H$s Ymam 2 H$s à{ejUm{W©`m| H$s ^Vu 1,424 1,258 Cn-Ymam (1) Ho$ I§S> (M) Ho$ gmW n{R>V ~r‘m A{Y{Z`‘, II.2.12 AÝ` nj à~§YH$ (Q>rnrE) 1938 (A{Y{Z`‘) H$s YmamAm| 42S>r Am¡a 64`yE‘ Ho$ A§VJ©V A{YXoemË‘H$ (‘¢So>Q>ar) {H$`m J`m h¡& EgEbE Ho$ ê$n ‘| II.2.12.1 31 ‘mM© 2025 H$s pñW{V Ho$ AZwgma 17 g{H«$` H$m`© H$aZo Ho$ {bE bmBg|g àmá H$aZo Ho$ {bE ì`{º$ H$mo Q>rnrE h¢& n§OrH$aU g§»`m 27 go `wº$ AZ‘mob ‘oS>rHo$`a B§í`moa|g Q>rnrE {b{‘Q>oS> Ho$ n§OrH$aU à‘mUnÌ (grAmoAma) AmB©AmaS>rEAmB© Ûmam {d{Z{X©ï> e¡{jH$ Ah©VmE± aIZr Mm{hE Ho$ ZdrH$aU Ho$ {bE AmdoXZ AmXoe {XZm§H$ 04.07.2024 Ho$ VWm Cgo A{Y{Z`‘ H$s Ymam 64 `yE‘ Ho$ AZwgma EH$ AZwgma AñdrH¥$V {H$`m J`m& ajm hoëW B§í`moa|g Q>rnrE àmBdoQ> ì`mdgm{`H$ {ZH$m`, AWm©V² ^maVr` ~r‘m gd}jH$ Am¡a hm{Z {b{‘Q>oS> H$m {db` 01 OZdar 2025 go ‘oS>r E{gñQ> B§í`moa|g {ZYma© H$ gñ§ WmZ (AmBA© mBA© mBE© gEbE) H$m gXñ` A{Zdm`V© … Q>rnrE àmBdoQ> {b{‘Q>oS> Ho$ gmW hmo J`m h¡& Q>rnrEEg Zo AnZo hmoZm Mm{hE& VWm{n, CZ ì`{º$`m| Ho$ {bE {OÝh| ZoQ>dH$m] ‘| 55,342 ñdmñÏ` godm H$ama Omo‹S>Vo hþE AñnVmbm| Ho$ ZoQ>dH©$ H$m {dñVma {H$`m& 12,333 ñdmñÏ` godm H$amam| Ho$ AmB©AmB©AmB©EgEbE gXñ`Vm àXmZ Zht H$aVm, àË`mhaU ({dX²S´mAb)/{ZîH$mgZ ([a‘ydb) Ho$ ~mX 31 ‘mM© AmB©AmaS>rEAmB© (~r‘m gd}jH$ Am¡a hm{Z {ZYm©aH$) {d{Z`‘, 2025 H$s pñW{V Ho$ AZwgma ZoQ>dH©$ ‘| H$amam| H$s g§»`m 2015 Ho$ A§VJ©V Anrb H$aZo H$m EH$ àmdYmZ h¡& A{Y{Z`‘ 2,73,816 ah JB© h¡& Q>rnrE-dma ZoQ>dH©$ H$ama AZw~§Y 11 ‘| H$s Ymam 64`yE‘ ^r `h A{YXoemË‘H$ (‘¢So>Q>ar) ~ZmVr h¡ {H$ àñVwV {H$`o J`o h¢& ^maV ‘| K{Q>V hmoZodmbr Am¡a ^maV ‘| {ZnQ>mZ H$s Anojm II.2.13 OrdZ ~r‘m ì`dgm` ‘| ~r‘m EO|Q>m| Am¡a aIZodmbr {H$gr hm{Z Ho$ {bE {H$gr ^r Xmdo H$mo, Ohm± Xmdo ‘Ü`d{V©`m| H$m H$m`©{ZînmXZ H$s am{e AmB©AmaS>rEAmB© Ûmam {d{Z`‘m| ‘| {d{Z{X©ï> ‘yë` Ho$ g‘mZ h¡ `m Cggo A{YH$ h¡, ~r‘mH$Vm© Ho$ Ûmam V~ VH$ d¡`{º$H$ Z`m ì`dgm` ñdrH$ma Zht {H$`m OmEJm Am¡a CgH$m {ZnQ>mZ {H$`m OmEJm, II.2.13.1 d¡`{º$H$ EO|Q> d¡`{º$H$ Z`o ì`dgm` Ho$ {bE O~ VH$ Cº$ hm{Z Ho$ g§~§Y ‘| EH$ [anmoQ>© gd}jH$ Am¡a hm{Z à‘wI {dVaU ‘mÜ`‘ bJmVma ~Zo hþE h¢& VWm{n, d¡`{º$H$ Z`o {ZYm©aH$ Ho$ ê$n ‘| H$m`© H$aZo Ho$ {bE bmBg|g-àmá EH$ ì`dgm` àr{‘`‘ Ho$ {bE d¡`{º$H$ EO|Q>m| H$m A§eXmZ 2023- ì`{º$ go àmá Zht H$s OmVr& 24 ‘| {dÚ‘mZ 50.90 à{VeV H$s VwbZm ‘| df© 2024-25 Ho$ Xm¡amZ gr‘m§V ê$n go KQ>H$a 49.44 à{VeV ahm h¡& gaH$mar 70 dm{f©H$ [anmoQ>© 2024-25H$m¶©©àUmbr Am¡a n[aMmbZm| H$s g‘rjm joÌ Ho$ {bE, d¡`{º$H$ Z`o ì`dgm` àr{‘`‘ ‘| 93.86 à{VeV gm‘y{hH$ Z`m ì`dgm` Ho$ A§e Ho$ gmW d¡`{º$H$ EO|Q> {dVaU H$m EH$ à~b ‘mÜ`‘ II.2.13.3 àË`j {dH«$` gm‘y{hH$ ì`dgm` Ho$ {bE {dVaU h¢, O~{H$ {ZOr joÌ Ho$ A§VJ©V d¡`{º$H$ EO|Q>m| Zo AnZo H$m à~b ‘mÜ`‘ bJmVma ~Zm hþAm h¡ Ohm± {dÎmr` df© 2024- d¡`{º$H$ Z`o ì`dgm` àr{‘`‘ Ho$ 22.80 à{VeV H$m A§eXmZ 25 Ho$ Xm¡amZ BgH$m A§e àr{‘`‘ H$m 84.52 à{VeV ahm h¡& {H$`m h¡& d¡`{º$H$ Z`o ì`dgm` H$m Xygam à‘wI {dVaU {dÎmr` df© 2023-24 ‘| BgH$m VXZwê$nr A§e 82.74 à{VeV ‘mÜ`‘ H$manmoaoQ> EO|Q> h¢& H$manmoaoQ> EO|Q>m| H$m A§eXmZ Omo Wm& {dÎmr` df© 2024-25 Ho$ Xm¡amZ, Bg ‘mÜ`‘ Zo {ZOr joÌ 2023-24 Ho$ Xm¡amZ 35.05 à{VeV Wm, df© 2024-25 ‘| ~r‘mH$Vm©Am| Am¡a gaH$mar joÌ ~r‘mH$Vm©Am| Ho$ gm‘y{hH$ Z`o gr‘m§V ê$n go KQ>H$a 34.69 à{VeV ah J`m h¡& {ZOr OrdZ ì`dgm` àr{‘`‘ Ho$ H«$‘e… 52.45 à{VeV Am¡a 97.58 ~r‘mH$Vm©Am| Ho$ Ûmam àmá Z`o ì`dgm` àr{‘`‘ ‘| H$manmoaoQ> à{VeV H$m A§eXmZ {H$`m h¡& {ZOr ~r‘mH$Vm©Am| Ho$ gm‘y{hH$ EO|Q>m| H$m A§e 2024-25 ‘| 52.97 à{VeV na C„oIZr` ì`dgm` Ho$ {bE EH$ Am¡a ‘hËdnyU© {dVaU ‘mÜ`‘ H$manmoaoQ> ahm (2023-24 ‘| 55.12 à{VeV)& Xygar Amoa, gaH$mar joÌ EO|Q>- ~¢H$ Wm& {dÎmr` df© 2024-25 Ho$ Xm¡amZ, ~¢H$m| Zo Ho$ d¡`{º$H$ Z`o ì`dgm` àr{‘`‘ ‘| H$manmoaoQ> EO|Q>m| H$m A§e {ZOr ~r‘mH$Vm©Am| Am¡a gaH$mar joÌ ~r‘mH$Vm© Ho$ {df` ‘| 2023-24 ‘| {dÚ‘mZ 2.96 à{VeV go gr‘m§V ê$n ‘| ~‹T>H$a Hw$b gm‘y{hH$ Z`o ì`dgm` àr{‘`‘ Ho$ H«$‘e… 21.28 à{VeV 2024-25 ‘| 4.20 à{VeV hmo J`m h¡& Am¡a 0.10 à{VeV H$m A§eXmZ {H$`m O~{H$ {dÎmr` df© II.2.13.2 d¡`{º$H$ Z`o ì`dgm` Ho$ A§VJ©V ~r‘mH$Vm©Am| Ho$ 2023-24 ‘| {ZOr ~r‘mH$Vm©Am| Am¡a gaH$mar joÌ ~r‘mH$Vm© àË`j {dH«$` ‘mÜ`‘ H$m A§e 2023-24 Ho$ 9.91 à{VeV Ho$ Ho$ {bE `h H«$‘e… 22.94 à{VeV Am¡a 1.64 à{VeV Wm& ‘wH$m~bo 2024-25 ‘| 10.68 à{VeV Wm& O~{H$ {ZOr {dÎmr` df© 2024-25 Ho$ Xm¡amZ, gaH$mar joÌ ~r‘mH$Vm© Zo ~r‘mH$Vm©Am| Zo àË`j {dH«$` Ho$ ‘mÜ`‘ go AnZo Z`o ì`dgm` AnZo d¡`{º$H$ EO|gr ~b Ho$ Ûmam gm‘y{hH$ ì`dgm` àr{‘`‘ àr{‘`‘ H$m 17.09 à{VeV àmá {H$`m, dht {dÎmr` df© H$m 2.07 à{VeV àmá {H$`m O~{H$ {ZOr ~r‘mH$Vm©Am| Zo Bg 2024-25 ‘| gaH$mar joÌ Ho$ Ûmam àËµ`j {dH«$` Ho$ O[a`o ‘mÜ`‘ Ho$ O[a`o 1.40 à{VeV àmá {H$`m& Xbmbm| Ho$ ‘mÜ`‘ H$moB© ì`dgm` hm{gb Zht {H$`m J`m& Xbmb ‘mÜ`‘ Zo {dÎmr` H$m A§eXmZ 2024-25 ‘| 2.28 à{VeV VH$ ~‹T>m Omo gm‘y{hH$ df© 2024-25 ‘| 3.72 à{VeV H$m A§eXmZ {H$`m Omo df© ì`dgm` Ho$ A§VJ©V CÚmoJ Ho$ Z`o ì`dgm` àr{‘`‘ ‘| 2023- 2023-24 Ho$ 3.06 à{VeV go gr‘m§V ê$n ‘| d¥{Õ Xem©Vm h¡& 24 ‘| 2.11 à{VeV Wm (gmaUr II.10)& AmZbmBZ {dH«$` ‘mÜ`‘ Zo df© 2024-25 ‘| 0.87 à{VeV A§eXmZ {H$`m h¡ Omo df© 2023-24 ‘| XO© 0.65 à{VeV go gr‘m§V ê$n ‘| ~‹T>m h¡& gyú‘ ~r‘m (E‘AmB©) EO|Q>m|, gm‘mÝ` godm Ho$ÝÐm| (grEggrEg), do~ g§J«mhH$m|, ~r‘m {dnUZ ’$‘m] (AmB©E‘E’$) Am¡a {~H«$s ñWmZ Ho$ {dH«o$VmAm| (nrAmoEg) Ho$ ‘mÜ`‘m| Zo EH$gmW {‘bH$a 2023-24 Ho$ 0.42 à{VeV H$s VwbZm ‘| 2024-25 ‘| d¡`{º$H$ Z`o ì`dgm` àr{‘`‘ ‘| 1 à{VeV go ^r H$‘ (0.60 à{VeV) A§eXmZ {H$`m h¡ (gmaUr II.9)& dm{f©H$ [anmoQ>© 2024-25 71H$m¶©©àUmbr Am¡a n[aMmbZm| H$s g‘rjm gmaUr II.10 : OrdZ ~r‘m Z`o ì`dgm` àr{‘`‘ ‘| EO|Q>m| Am¡a ‘Ü`d{V©`m| H$m A§eXmZ (Am§H$‹S>o àr{‘`‘ Ho$ à{VeV ‘|) H«$‘ d¡`{º$H$ Z`m ì`dgm` gm‘y{hH$ Z`m ì`dgm` ‘Ü`dVu H$m àH$ma g§. {ZOr joÌ gaH$ma joÌ CÚmoJ {ZOr joÌ gaH$mar joÌ CÚmoJ 1 d¡`{º$H$ EO|Q> 22.80 93.86 49.44 1.40 2.07 1.87 2 H$manmoaoQ> EO|Q>- ~¢H$ 49.66 4.13 32.59 21.28 0.10 6.23 3 H$manmoaoQ> EO|Q>- AÝ` 3.31 0.07 2.10 17.29 0.01 5.01 4 Xbmb 5.81 0.23 3.72 7.28 0.24 2.28 5 àË`j ì`dgm` 17.09 0.00 10.68 52.45 97.58 84.52 6 gyú‘ ~r‘m (E‘AmB©) EO|Q> 0.00 0.17 0.07 0.26 0.00 0.07 7 gm‘mÝ` godm Ho$ÝÐ (grEggrEg) 0.02 0.14 0.06 0.00 0.00 0.00 8 do~ g§J«mhH$ 0.02 0.00 0.01 0.00 0.00 0.00 9 ~r‘m {dnUZ ’$‘© (AmB©E‘E’$) 0.21 0.86 0.46 0.04 0.00 0.01 10 AmZbmBZ 1.07 0.53 0.87 0.00 0.00 0.00 11 {~H«$s Ho$ÝÐ (nrAmoEg) 0.01 0.00 0.01 0.00 0.00 0.00 Hw$b ì`dgm` 100.00 100.00 100.00 100.00 100.00 100.00 {Q>ßnUr… Z`o ì`dgm` àr{‘`‘ ‘| àW‘ df© àr{‘`‘ Am¡a EH$b àr{‘`‘ em{‘b h¢& ghmam B§{S>`m bmB’$ B§í`moa|g H§$nZr {b. (EgAmB©EbAmB©gr) H$m OrdZ ~r‘m ì`dgm` AmB©AmaS>rEAmB© Ûmam CZHo$ AmXoe {XZm§H$ 2.6.2023 Ho$ AZwgma Eg~rAmB© bmB’$ B§í`moa|g H§$nZr {b. (Eg~rAmB© bmB’$) H$mo A§V[aV {H$`m J`m h¡ VWm {dÎmr` df© 2024-25 Ho$ {bE Cn`w©º$ So>Q>m / gyMZm ‘| EgAmB©EbAmB©gr go g§~§{YV So>Q>m / gyMZm em{‘b Zht h¡& 72 dm{f©H$ [anmoQ>© 2024-25H$m¶©©àUmbr Am¡a n[aMmbZm| H$s g‘rjm gmYmaU ~r‘mH$Vm©Am| Ho$ gmW g§~Õ ~r‘m EO|Q>m| Am¡a à{VeV ahm h¡& H$manmoaoQ> EO|Q>m| H$m A§eXmZ àr{‘`‘ H$m 8.69 ‘Ü`d{V©`m| H$m H$m`©{ZînmXZ à{VeV h¡& g^r AÝ` ‘mÜ`‘m| Zo EH$gmW {‘bH$a àr{‘`‘ Ho$ eof 7.62 à{VeV H$m A§eXmZ {H$`m h¡& gaH$mar joÌ gmYmaU II.2.13.4 gmYmaU ~r‘mH$Vm©Am| Ho$ {bE ì`dgm` Ho$ {dVaU ~r‘mH$Vm©Am| Ho$ {bE, Xbmb (34.90 à{VeV), {OZHo$ ~mX Ho$ {d{^Þ ‘mÜ`‘m| Ho$ ~rM Xbmb ‘mÜ`‘ Zo 40.08 à{VeV d`¡ {º$H$ EOQ| > (31.37 à{VeV) Ama¡ àË`j (29.13 à{VeV) Ho$ gmW àr{‘`‘ ‘| ~‹S>o A§e H$m A§eXmZ {H$`m {OgHo$ ~mX {dVaU Ho$ à‘wI ‘mÜ`‘ h¢, O~{H$ {ZOr joÌ gmYmaU àË`j {dH«$` ‘mÜ`‘ Am¡a d¡`{º$H$ EO|Q> AmVo h¢ {OZH$m ~r‘mH$Vm©Am| Ho$ {bE, Xbmb (45.63 à{VeV), Am¡a àË`j A§eXmZ df© 2024-25 ‘| H«$‘e… 23.65 à{VeV Am¡a 19.96 {dH«$` (21.33 à{VeV) {dVaU Ho$ à‘wI ‘mÜ`‘ h¢& gmaUr II.11 : gmYmaU ~r‘m ì`dgm` ‘| ~r‘m EO|Q>m| Am¡a ‘Ü`d{V©`m| H$m A§eXmZ (Am§H$‹S>o àr{‘`‘ Ho$ à{VeV ‘|) gaH$mar joÌ {ZOr EgEEMAmB© {deofrH¥$V Hw$b {dVaU ‘mÜ`‘ CnH«$‘ H$mo N>mo‹S>H$a

1. d¡`{º$H$ EO|Q> 31.37 14.64 0.00 19.96

2. H$ H$manmoaoQ> EO|Q>-~¢H$ 0.59 8.04 0.01 5.08

2. I H$manmoaoQ> EO|Q>- AÝ` 0.32 5.79 0.00 3.61 H$manmoaoQ> EO|Q> (Hw$b) 0.91 13.83 0.01 8.69

3. Xbmb 34.9 45.63 3.15 40.08

4. H$ àË`j ì`dgm`- B§Q>aZoQ> 0.41 1.82 0.59 1.27

4. I àË`j ì`dgm`- B§Q>aZoQ> H$mo N>mo‹S>H$a AÝ` 28.72 19.51 10.03 22.38 àË`j ì`dgm` (Hw$b) 29.13 21.33 10.63 23.65

5. gyú‘ ~r‘m EO|Q> 0.01 0.01 0.10 0.01

6. 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^mdr H$m`m©Ýd`Z Ho$ gmW hr, ^maV H$m ~r‘m {d{Z`m‘H$ n[adoe d¡{œH$ gdm}Îm‘ nÕ{V`m| Ho$ gmW A{YH$ K{Zð>Vmnyd©H$ gw`mo{OV hmoZo Ho$ {bE gYm hþAm h¡& `o {ZîH$f© EH$ ‘O~yV, g‘mdoer, Am¡a AJ«Xeu ~r‘m joÌ H$m {Z‘m©U H$aZo Ho$ {bE AmB©AmaS>rEAmB© H$s à{V~ÕVm H$mo nwZ…nwï> H$aVo h¢&H$m¶©©àUmbr Am¡a n[aMmbZm| H$s g‘rjm II.5.6 {dÎmr` {ejm g§~§Yr AmoB©grS>r A§Vaamï´>r` ZoQ>dH©$ Hw$eb {eH$m`V g‘mYmZ ì`dñWmE± ñWm{nV H$a|& (AmB©EZE’$B©) II.6.2 àm{YH$aU Zo g^r ~r‘mH$Vm©Am| Ho$ {bE `h A{Zdm`© (‘¢So>Q>ar) H$a {X`m h¡ {H$ do nm{bgrYmaH$m| Ho$ g§ajU, {eH$m`V II.5.6.1 Am{W©H$ gh`moJ Am¡a {dH$mg g§JR>Z (AmoB©grS>r) {ZdmaU Am¡a Xmdm {ZJamZr g{‘{V (nrnrOrAmaEÊS>grE‘) gaH$mam| H$mo {dÎmr` g‘mdoeZ Ho$ EH$ ‘hËdnyU© gmYZ Ho$ ê$n g{‘{V ~ZmE,± Om o H$web Ama¡ à^mdr {eH$m`V {ZdmaU ì`dñWm, ‘| {dÎmr` {ejm na {dMmam| Am¡a AZw^dm| H$m AmXmZ-àXmZ Xmdm {ZnQ>mZ à{H$«`mAm | H$s {ZJamZr H$o ‘mÜ`‘ g o nm{bgrYmaH$m| H$aZo Ho$ {bE EH$ {dbjU Zr{V ‘§M àXmZ H$aVm h¡& {dÎmr` Ho$ {hVm| Ho$ g§ajU H$s {Xem ‘| Cn`wº$ àUm{b`m± Am¡a 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JB© nhbm| H$mo gmPm H$aVo h¢& ‘B© II.6.3 AmB©AmaS>rEAmB© Zo nm{bgrYmaH$m| Ho$ {bE {eH$m`Vm| 2024 ‘| AmB©AmaS>rEAmB© Zo {dÎmr` gmjaVm na AmoB©grS>r- Ho$ g‘mYmZ H$mo gwJ‘ ~ZmZo Ho$ {bE {d{^Þ ‘mÜ`‘ ñWm{nV H$moZm{g’$ n[aMMm© {dÎmr` Cn^moº$mAm| H$mo OmopI‘ H$m gm‘Zm {H$`o h¢& AmB©AmaS>rEAmB© H$m ~r‘m ^amogm nmoQ>©b ~r‘mH$Vm©Am| (Z¡{dJoQ>) H$aZo Ho$ {bE ghm`Vm H$aZm ‘| Am^mgr ê$n ‘| H$s {eH$m`V à~§Y àUmbr Ho$ gmW g‘pÝdV {H$`m J`m h¡& `h gh^m{JVm H$s& nmoQ>©b {eH$m`V| ’$mBb H$aZo Am¡a CZH$s pñW{V H$m nVm bJmZo Ho$ {bE EH$ AmZbmBZ ßboQ>’$m‘© CnbãY H$amVm h¡& A{V[aº$ II.5.7 AÝ` g§~ÕVmE± ê$n go, AmB©AmaS>rEAmB© {eH$m`V H$mb g|Q>a (AmB©Orgrgr) II.5.7.1 2024-25 Ho$ Xm¡amZ, AmB©AmaS>rEAmB© Zo ~r‘m joÌ {eH$m`Vm| H$mo XO© H$aZo Ho$ {bE EH$ {Z…ewëH$ (Q>mob-’«$s) go g§~§{YV joÌm| ‘| {d{^Þ A§Vaamï´>r` g§{Y`m| Am¡a g§dmXm| Ho$ Q>obr’$moZ Z§~a Am¡a B©-‘ob nVm XoVm h¡& `h A§Va-g§~Õ {df` ‘| ^maV gaH$ma Ho$ gmW à^mdr Am¡a Cn`moJr g§~ÕVm àUmbr nm{bgrYmaH$m| H$s {eH$m`Vm| Ho$ Hw$eb g‘mYmZ H$mo H$s {Xem ‘| 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4. nwZ~u‘m H$m`©H«$‘ àñVwVrH$aU… ~r‘mH$Vm©Am|/nwZ~u‘mH$Vm©Am|/E’$Ama~rEg Ho$ {bE ‘w»` {deofVmE± Am¡a ‘w»` Cn~§Y… A{J«‘ Am¡a A§{V‘ nwZ~u‘m H$m`©H«$‘ Ho$ àñVwVrH$aUm| nm{bgrYmaH$m| Ho$ {bE CnbãY H$amB© JB© {deofVmE± :

hoVw {dñV¥V [anmo{Qª>J Q>oåßboQ²&

5. gr‘mnma nZw ~u‘mH$VmA© m | (gr~rAmaEg) H$o nmg nZw ~u‘m 1. Amdí`H$Vm hmoZo na, Mb{Z{Y g§~§Yr Amdí`H$VmE± ì`dgm` Ho$ ñWmZZ Ho$ {bE g§nm{œ©H$ AnojmE± : nyar H$aZo Ho$ {bE nm{bgrYmaH$m| H$mo g‘W© ~ZmVo hþE g^r OrdZ ~r‘m ~MV CËnmXm| ‘| nm{bgr F$U H$s • joÌ H$s {dÎmr` AmKmV-ghZr`Vm H$mo ‘O~yV H$aZo Ho$ gw{dYm A~ A{Zdm`© H$s JB© h¡& {bE g§nm{œ©H$ AnojmAm| hoVw EH$ ê$naoIm Omar H$s JB© h¡& 2. nm{b{g`m| Ho$ Aä`n©U H$m ghmam {bE {~Zm ñdmñÏ`- g~§ Y§ r AmH$pñ‘H$VmAm/| AmnmVr pñW{V`m | H$m o H$da H$aZo • ^maVr` AÜ`nH© $ gr~rAmaEg H$o nmg nZw ~u‘m ì`dgm` Ho$ {bE ñdmñÏ` amBS>a g§^d h¢& H$m ñWmZZ H$aZo Ho$ {bE (H$) Aà{Vg§haUr` gmI- nÌ (Ebgr) AWdm (I) àr{‘`‘m|/{Z{Y`m| Ho$ ê$n ‘|

3. CƒVa {ejm `m ~ƒm| H$m {ddmh; Amdmgr` ‘H$mZ/ ^maVr` AÜ`n©H$ Ûmam amoH$ aIo J`o g§nm{œ©H$ àmá âb¡Q> H$s IarX/H$m {Z‘m©U; {M{H$Ëgr` ì``, J§^ra H$aoJm& ~r‘m[a`m |H$s {M{H$Ëgm Og¡ r OrdZ H$s ‘hËdnUy ©KQ>ZmAm| hoVw AnZr {d{eï> {dÎmr` Amdí`H$VmE± nyar H$aZo Ho$ III.5.7 gmYmaU ~r‘m ì`dgm` g§~§Yr ‘mñQ>a n[anÌ {bE nm{bgrYmaH$m| H$mo g‘W© ~ZmVo hþE, n|eZ CËnmXm| AmB©AmaµS>rEAmB©/EZEb/E‘EgQ>r grAmB©Ama/{d{dY/ Ho$ A§VJ©V Am§{eH$ AmhaU H$s gw{dYm H$s A~ AZw‘{V 90/06/2024 {XZm§H$ 11 OyZ 2024 Xr JB© h¡& nm{bgr dmŠ`-aMZm (d{Sª>½g) na g^r àewëH$m| (Q>¡[aµ’$)

4. Aä`n©Um| H$s pñW{V ‘|, XmoZm| Aä`n©U H$aZodmbo g§~§Yr A{YgyMZm H$mo {ZañV H$aZo Ho$ Cnam§V, AmB©AmaS>rEAmB© nm{bgrYmaH$m| Am¡a ~Zo hþE nm{bgrYmaH$m| Ho$ {bE Zo Voah n[anÌm| H$mo {ZañV H$aVo hþE gmYmaU ~r‘m ì`dgm` Am¡{MË` Am¡a YZam{e Ho$ ‘yë` H$mo gw{Z{üV H$aZm g§~§Yr EH$ ì`mnH$ ‘mñQ>a n[anÌ Omar {H$`m h¡& Cº$ n[anÌ Mm{hE& J«mhH$ Ho$ÝÐñWVm Am¡a AÀN>o A{^emgZ Ho$ Cnm`m| g§~§Yr

5. {dÎmr` Am`moOZm Am¡a àr{‘`‘ ^wJVmZm| ‘| bMrbonZ Cn~§Ym| H$m g§jon XoVm h¡ Omo nm{bgrYmaH$m| Ho$ {hVm| H$s gwajm H$s d¥{Õ H$mo gwgmÜ` ~ZmVo hþE, ~r‘mH$Vm©Am| H$mo A~ H$aVo h¢& Bg ‘mñQ>a n[anÌ Ho$ g§~§Y ‘| {dñVma go MMm© ~mŠg àr{‘`‘ ^Jw VmZ Ad{Y H$o Xm`a o H$o gmW CËnmX àñVm{dV ‘X III.1 ‘| H$s JB© h¡& H$aZo H$s AZw‘{V Xr JB© h¡& III.5.8 OrdZ ~r‘m CËnmXm| g§~§Yr ‘mñQ>a n[anÌ

6. {ZåZ{bpIV O¡go CËnmXm| H$s {d{dYVm Am¡a CËnmX H$s AmB©AmaS>rEAmB© / EgrQ>rEb / E‘EgQ>r grAmB©Ama/ {deofVmE± A~ g§^d h¢ : {d{dY/89/6/2024 {XZm§H$ 12 OyZ 2024 o dm{f©H$s CËnmXm| Ho$ {bE gmd©O{ZH$ Vm¡a na nyd© Ho$ Mma n[anÌm| Ho$ A§VJ©V gpå‘{bV {H$`o J`o OrdZ ~r‘m CnbãY Ý`yZV‘ ‘mZX§S> (~|M‘mH©$) go g§~Õ CËnmXm| go g§~§{YV ~hþV gmao Cn~§Ym| H$s EH$ ì`mnH$ g‘rjm ^wJVmZ g{hV, ^wJVmZ H$m {dH$ën hmoJm& H$aZo Ho$ ~mX, AmB©AmaS>rEAmB© Zo nhbo Ho$ Mma n[anÌm| H$m A{YH«$‘U H$aVo hþE OrdZ ~r‘m CËnmXm| g§~§Yr ‘mñQ>a n[anÌ o J¡a-{Z`moº$m-H$‘©Mmar g‘yhm| Ho$ {bE {Z{Y- bmJy {H$`m h¡& `h AmB©AmaS>rEAmB© Ûmam àma§^ {H$`o J`o AmYm[aV CËnmX& {d{Z`m‘H$ gwYmam| Ho$ Am{YŠ` Ho$ A§VJ©V EH$ C„oIZr` H$X‘ o gyMH$m§H$ g§~Õ CËnmX& H$mo {M{•V H$aVm h¡& ~r‘mH$Vm©Am| Ho$ ~moS©> A~ ~mOma H$s 102 dm{f©H$ [anmoQ>© 2024-25~mŠg III.1 gmYmaU ~r‘m CËnmXm| g§~§Yr ‘mñQ>a n[anÌ Ho$ ‘mÜ`‘ go IwXam nm{bgrYmaH$m| H$m geº$sH$aU ^maVr` ~r‘m {d{Z`m‘H$ Am¡a {dH$mg àm{YH$aU (AmB©AmaS>rEAmB©) ~r‘m nm[apñW{VH$ V§Ì (B©H$mo {gñQ>‘) ‘| nmaX{e©Vm, bMrbonZ. Am¡a J«mhH$- Ho$ÝÐr`Vm H$s d¥{Õ H$aZo H$s n[aÑ{ï> Ho$ AZwê$n, AmB©AmaS>rEAmB© Zo Cº$ gmYmaU ~r‘m CËnmXm| g§~§Yr ‘mñQ>a n[anÌ Ho$ A§VJ©V AZoH$ `wJm§VaH$mar gwYma àma§^ {H$`o h¢²& BZ nhbm| H$m bú` ~r‘m àñVmdm| H$mo gab ~ZmZm, Cn^moº$m g§ajU H$mo ~‹T>mZm, VWm erK« {eH$m`V {ZdmaU Am¡a Xmdm {ZnQ>mZ ì`dñWm H$mo gw{Z{üV H$aZm h¡&

1. J«mhH$-Ho$pÝÐV CËnmX ZdmoÝ‘ofU bMrbo àñVmd… ~r‘mH$Vm©Am| Ho$ {bE A~ A{YXoe (‘¢So>Q>) {X`m J`m h¡ {H$ do EH$ ì`mnH$ Xm`ao ‘| gabrH¥$V, Amdí`H$VmZwgma V¡`ma H$aZo `mo½` CËnmX CnbãY H$amE± Omo ì`{º$`m|, {H$gmZm|, E‘EgE‘B©, Am¡a joÌr` I§S>m| H$s {d{eï> Amdí`H$VmE± nyar H$aVo h¢& ì`mnH$ H$daoO… Eogo n¡Ho$O CËnmX àma§^ H$aZm Omo d¡H$pënH$ EoS>-AmZm| g{hV ~hþ{dY OmopI‘ H$dam| Ho$ g‘yhrH$aU H$s AZw‘{V XoVo h¢& AmYma^yV CËnmX… àË`oH$ ~r‘mH$Vm© J«mhH$m| Ho$ {bE A{YH$ gab VwbZm Am¡a ~ohVa {ZU©`Z H$mo gwgmÜ` ~ZmVo hþE Adí` ì`dgm` H$s àË`oH$ ì`dñWm ‘| AmYma^yV CËnmX H$s nhMmZ H$aoJm&

2. nm{bgr H$s eVm] ‘| nmaX{e©Vm Am¡a gabVm J«mhH$ gyMZm nÌH$ (grAmB©Eg): àË`oH$ nm{bgr Ho$ gmW EH$ ‘mZH$sH¥$V, gabrH¥$V gmam§e {X`m OmEJm Omo ‘w»` {deofVmAm|, AndO©Zm|, Xmdm à{H«$`mAm|, Am¡a J«mhH$ Xm{`Ëdm| H$s ê$naoIm àñVwV H$aVm h¡& ~ohVa OmJê$H$Vm H$mo gw{Z{üV H$aVo hþE nm{bgrYmaH$m| go àm{á-gyMZm boZm A{Zdm`© h¡& H$daoO ‘| ñnï>Vm… nm{b{g`m| ‘| A~ H$daoO Ho$ {dñVma (Zm‘mo{Ôï> OmopI‘, g‘ñV-OmopI‘, Am{X), AndO©Zm|, {ZnQ>mZ Ho$ AmYma, Am¡a Ad{eï> (g¡ëdoO)/ H$Q>m¡Vr`mo½` am{e`m| H$m ñnï> ê$n go C„oI {H$`m OmVm h¡&

3. gabrH¥$V àboIrH$aU Am¡a Xmdm à{H«$`m àboIrH$aU A§Vambm| Ho$ {bE AñdrH$aU Zht : Xmdm| H$m AñdrH$aU A{V[aº$ XñVmdoOm| Ho$ A^md Ho$ H$maU Zht {H$`m Om gH$Vm, O~ VH$ {H$ do Xmdo Ho$ gmW àË`j ê$n go g§~§{YV Z hm|& erK« gd}jH$ g‘ZwXoeZ Am¡a Xmdm {ZnQ>mZ • nmÌ Xmdm| Ho$ {bE 24 K§Q>m| Ho$ A§Xa gd}jH$ H$s {Z`w{º$& • 15 {XZ Ho$ A§Xa gd}jU [anmoQ>© H$m àñVwVrH$aU& • [anmoQ>© H$s àm{á go 7 {XZ Ho$ A§Xa Xmdm g§~§Yr {ZU©`& ñdV… gd}jH$ Am~§Q>Z àUmbr… nmaX{e©Vm Am¡a gm‘{`H$Vm H$mo gw{Z{üV H$aZo Ho$ {bE gmYmaU ~r‘m n[afX Ho$ ‘mÜ`‘ go gd}jH$m| Ho$ EH$ àm¡Úmo{JH$s-g‘{W©V, `mÑpÀN>H$ Am~§Q>Z H$m H$m`m©Ýd`Z àJ{V na h¡&

4. g§d{Y©V nm{bgrYmaH$ A{YH$ma Am¡a g§ajU {ZagZ H$m A{YH$ma… nm{bgrYmaH$ H$moB© H$maU ~Vm`o {~Zm {H$gr ^r g‘` nm{bgr H$mo {ZañV H$a gH$Vo h¢& ~r‘mH$Vm© {ZañVrH$aU na Ag‘má nm{bgr Ad{Y Ho$ {bE AmZwnm{VH$ àr{‘`‘ bm¡Q>m XoJm& {eH$m`V {ZdmaU… ~r‘mH$Vm©Am| go Ano{jV h¡ {H$ do gwÑ‹T> {eH$m`V ì`dñWmAm| H$m AZwajU H$a| Omo ñVa-dY©Z ‘¡{Q´Šgm| VWm 30 {XZ Ho$ A§Xa bmoH$nmb Ho$ A{Y{ZU©`m| Ho$ A{YXoemË‘H$ H$m`m©Ýd`Z go `wº$ hm|, {OZH$m AZwnmbZ Z H$aZo na é. 5,000 à{V {XZ H$m AW©X§S> bJm`m OmEJm&

5. ‘moQ>a Am¡a J¥h ~r‘m na {deof g§Ho$ÝÐU ‘moQ>a ~r‘m… ~r‘mH$Vm©Am| H$mo gy{MV {H$`m J`m h¡ {H$ do ‘moQ>a ~r‘m ‘| "O¡gm MbmE± d¡gm AXm H$a|' (n¡ EoO `y S´mBd), ‘yë`õmg-g‘mdoer nm{b{g`m± Am¡a g‹S>H$ {H$Zmao ghm`Vm O¡go ZdmoÝ‘of H$da CnbãY H$amE±& Ad{eï> à~§Y A~ ~r‘mH$Vm© H$s {Oå‘oXmar h¡& J¥hñdm‘r ~r‘m… ~m‹T>, MH«$dmV, ^yH§$n, ^yñIbZ, e¡bnmV, AmV§H$dmX, ì`mnH$ A{¾ Am¡a g§~Õ OmopI‘ nm{bgr O¡go OmopI‘ em{‘b H$aZo/ And{O©V H$aZo Ho$ {bE g§d{Y©V bMrbmnZ& Xmdm {ZnQ>mZ H$s gwJ‘Vm H$mo ~‹T>mdm XoVo hþE BZ nm{b{g`m| Ho$ {bE dma§Q>r H$s H$moB© eV] bmJy Zht hmoVt&

6. àm¡Úmo{JH$s-g§Mm{bV nm[apñW{VH$ V§Ì g^r ~r‘mH$Vm©Am| go àË`m{eV h¡ {H$ do nm{bgrYmaH$m| Ho$ {bE EH$ {Z~m©Y AZw^d gw{Z{üV H$aVo hþE, àdoe (AmZ ~mo{Sª>J), nm{bgr g{d©qgJ, ZdrH$aU, Xmdm|, Am¡a {eH$m`Vm| Ho$ {bE g§nyU© (EÊS> Qy> EÊS>) ßboQ>’$m‘m] H$m A{^{Z`moOZ H$a|& `o nhb| {gÕm§V-AmYm[aV {d{Z`m‘H$ ê$naoIm H$s Amoa EH$ {ZUm©`H$ n[adV©Z H$mo A§{H$V H$aVr h¢, Omo ZdmoÝ‘ofU Am¡a Cn^moº$m H$ë`mU H$mo g§Vw{bV aIVm h¡& AmB©AmaS>rEAmB© 2047 VH$ g~Ho$ {bE ~r‘m Ho$ bú` H$mo àmá H$aZo H$s {Xem ‘| EH$ ZdmoÝ‘of Am¡a d¥{Õerb ~r‘m ~mOma H$mo gwgmÜ` ~ZmVo hþE nm{bgrYmaH$m| Ho$ {hVm| H$m g§ajU H$aZo Ho$ {bE {Za§Va à{V~Õ h¡&àm{YH$aU Ho$ gm§{d{YH$ Am¡a {dH$mgmË_H$ H$m`© A{^emgZ H$mo gwÑ‹T> H$aZo Ho$ {bE Cnm`… n[adV©Z em{‘b {H$`o J`o Omo Amdí`H$ g‘Po J`o& Amdí`H$ ‘hgyg H$s JB© EH$ ‘X ~r‘mH$Vm©Am| Ho$ {bE AZwnmbZ Ho$ ^ma

1. nm{bgrYmaH$m| Ho$ {df` ‘| {Za§VaVm ‘| gwYma bmZo, ‘| H$‘r bmZm h¡& My±{H$ {d{Z`{‘V g§ñWmAm| go Ano{jV h¡ {H$ An{dH«$` ({‘g-goqbJ) H$mo {Z`§{ÌV H$aZo VWm {dÎmr` do {d{Z{X©ï> Amd{YH$Vm ‘| àm{YH$aU Ho$ gmW ‘hËdnyU© hm{Z go nm{bgrYmaH$m| Ho$ ~MZo Am¡a gmW hr, CZHo$ A{YXoemË‘H$ gyMZm H$mo gmPm H$a|, AV… ì`dgm`m| H$s {bE XrKm©d{Y bm^m| ‘| d¥{Õ H$aZo Ho$ {bE ì`dñWmE± ì`dñWmAm| Am¡a à~§YZmYrZ AmpñV`m| Ho$ Vm¡a na Vrd« d¥{Õ bmJy H$aZr hm|Jr& H$mo XoIVo hþE dh A{YH$m{YH$ ~mo{Pb ~Z ahm Wm& g~Ho$

2. ‘Ü`d{V©`m|, {dVaU ‘mÜ`‘m| Am¡a ~r‘mH$Vm©Am| Ho$ {bE ~r‘m Ho$ CÔoí` H$mo nyam H$aZo Ho$ {bE CÚmoJ Ho$ {bE H$‘©Mm[a`m| H$mo CZHo$ CËnmXm| Ho$ g§~§Y ‘| (dV©‘mZ Am¡a n[aH$pënV {H$`o J`o Vrd« {dñVma Ho$ gmW hr, {deof ê$n go Z`o) Amd{YH$ à{ejU {X`m OmZm Mm{hE, nm{bgr H$B© g§emo{YV {d{Z`‘m| Ho$ {ZJ©‘ Ho$ ~mX, {dda{U`m| H$s g‘rjm g{dq©gJ ‘ | à{VdVZ© H$mb (Q>Z © AamCÊS> Q>mBÊg Q>rEQ>r) H$aZo, CÝh| g‘o{H$V H$aZo Am¡a CÝh| `w{º$`wº$ ~ZmZo H$s Ëd[aV {ZYm©[aV {H$`o J`o h¢& Amdí`H$Vm Wr&

3. CËnmX AZw‘moXZ à{H«$`m gab ~ZmB© JB© h¡; ~moS©> Ûmam VXZwgma, AmB©AmaS>rEAmB© Zo {dda{U`m| Ho$ àñVwVrH$aU Ho$ J{R>V CËnmX à~§Y g{‘{V H$mo CËnmX {dH$mg, H$s‘V- g§~§Y ‘| EH$ ‘mñQ>a n[anÌ Omar {H$`m h¡ {Og‘| BZ {d{Z`‘m|/ {ZYm©aU Am¡a A{^H$ënZ Ho$ A{^emgZ nhbwAm| Ho$ ‘mñQ>a n[anÌm| Ho$ A§VJ©V ’$mBb {H$`o OmZo Ho$ {bE Ano{jV g§~§Y ‘| H$ma©dmB© H$aZo Ho$ {bE geº$ {H$`m J`m h¡& {d{^Þ 60 {d{Z`m‘H$ {dda{U`m± A~ EH$ ñWmZ na EH$Ì H$a g‘mZwH«${‘V H$s JB© h¢& Cº$ ‘mñQ>a n[anÌ ‘| ^r 142 {dda{U`m|

4. CËnmXm| H$m H$s‘V-{ZYm©aU H$aVo g‘` ~r‘mH$Vm©Am| go H$m EH$ g§J«h h¡, {OÝh| {d{^Þ Amd{YH$VmAm| ({V‘mhr/ Ano{jV h¡ {H$ do {ZåZ{bpIV H$mo gw{Z{üV H$a| :

N>‘mhr/dm{fH© $) ‘ |~rEnr/B-© ‘bo H$o ‘mÜ`‘ g oAmBA© maS>rEAmB© o àr{‘`‘ Xa|/ à^ma C{MV hm| Ho$ nmg ’$mBb H$aZm Ano{jV h¡& BgHo$ Abmdm, `h ‘mñQ>a n[anÌ 2014 go Omar {H$`o J`o Xg n[anÌm| H$m A{YH«$‘U o àñVm{dV {S>ñH$mC§Q> Am¡a bmoqS>J Añnï> Z hm| H$aVm h¡ VWm AmB©AmaS>rEAmB© Ho$ nmg ’$mBb {H$`o OmZo Ho$ Am¡a dñVw{Zð> ê$n ‘| {Z{üV {H$`o J`o hm| {bE Ano{jV 202 {d{Z`m‘H$ {dda{U`m| Ho$ g§~§Y ‘| ~r‘mH$Vm©Am| Ho$ {bE (E’$Ama~rEg g{hV) EH$ ñWmZ na o à^m[aV àr{‘`‘ H$o Vma¡ na Bgr àH$ma H$o OmpoI‘m| g‘J« g§X^© CnbãY H$amVm h¡& Ho$ à{V ^oX^md Z aIm OmE {dda{U`m| go g§~§{YV Bg g§emo{YV ‘mñQ>a n[anÌ Ho$ {ZJ©‘ Ho$ o {d{^Þ ‘mÜ`‘m| Ho$ Ûmam ~oMr JB© nm{b{g`m| Ho$ gmW hr, {dda{U`m| Ho$ g‘ñV g‘yh H$mo A{YH$ gabVm go ~rM H$s‘V-{ZYm©aU Ý`m`g§JV hmo nhMmZ Ho$ {bE Cgr àH$ma Ho$ Zm‘m| go {d{^Þ {d^mJm| ‘| nwZ… III.5.9 {dda{U`m| Ho$ àñVwVrH$aU g§~§Yr ‘mñQ>a n[anÌ loUrH¥$V {H$`m J`m h¡& BgHo$ Abmdm, àñVwVrH$aU H$s nÕ{V AmB©AmaS>rEAmB©/gmYmaU/grAmB©Ama/ 93/06/2024 ^r ñnï>Vm XoVo hþE ñnï> ê$n go {ZYm©[aV H$s JB© h¡& O~{H$ Bg {XZm§H$ 14 OyZ 2024 ‘mñQ>a n[anÌ Zo àñVwVrH$aU à{H«$`m H$mo gab Am¡a H$maJa ~Zm`m h,¡ `h n[aH$pënV h ¡ {H$ `h ~r‘mH$VmA© m | H$o n[aMmbZJV 2047 VH$ g~Ho$ {bE ~r‘m H$s n[aÑ{ï> H$m H$m`m©Ýd`Z ewê$ H$m¡eb ‘| d¥{Õ H$aoJm& H$aVo hþE, àm{YH$aU Zo n[adV©Zm| H$m EH$ Xm¡a àma§^ {H$`m Omo ~r‘mH$Vm©Am| H$mo ~r‘m godmAm| Ho$ ì`mnZ H$mo gwgmÜ` ~ZmZo Ho$ III.5.10 ~r‘mH$Vm©Am| Ho$ n[aMmbZm| Am¡a g§~Õ {df`m| {bE g‘W© ~ZmVm h¡& Bg e¥§Ibm ‘|, dV©‘mZ {d{Z`‘m| Am¡a g§~§Yr ‘mñQ>a n[anÌ AmB©AmaS>rEAmB©/ nrnrOrAma/ ‘mñQ>a n[anÌm| H$mo gwg§J{V H$m ‘yë`m§H$Z H$aZo Ho$ {bE g‘rjm grAmB©Ama/{d{dY/97/06/2024 {XZm§H$ 19 OyZ 2024 Ho$ ‘mZX§S>m| Ho$ EH$ H$R>moa goQ> ‘| aIm J`m Am¡a VXwnam§V Eogo AmB©AmaS>rEAmB© (nm{bgrYmaH$m| Ho$ {hVm| H$m g§ajU, ~r‘mH$Vm©Am| Ho$ n[aMmbZ Am¡a g§~Õ {df`) {d{Z`‘, 2024 104 dm{f©H$ [anmoQ>© 2024-25àm{YH$aU Ho$ gm§{d{YH$ Am¡a {dH$mgmË_H$ H$m`© Ho$ A§VJ©V ~r‘mH$Vm©Am| Ho$ n[aMmbZ Am¡a g§~Õ {df`m| g§~§Yr {dH$ënm|, JbV~`mZr Ho$ {déÕ Cn`wº$ ajmonm`m| Ho$ Cº$ ‘mñQ>a n[anÌ {XZm§H$ 19 OyZ 2024 Omar {H$`m Wm& `h {bE ‘mZX§S> em{‘b hm|Jo& ~r‘mH$Vm© Ho$ n[aMmbZm| go g§~§{YV Cn~§Ym| VWm AÝ` ~mVm| Ho$ o ~r‘mH$Vm© é. 1000/- `m Cggo A{YH$ {H$gr ^r gmW {dkmnZ, ì`dgm` ñWmZ, H$m`©H$bmnm| Ho$ ~møòmoVrH$aU, AXmdr am{e H$o ~ma o ‘ | gMy Zm H$o g~§ Y§ ‘ | AnZr d~o gmBQ>m| {eH$m`V {ZdmaU àUmbr, AXmdr am{e`m| O¡go {df`m| H$mo na ImoO H$aZo `mo½` So>Q>m~og CnbãY H$amE±& gpå‘{bV H$aVm h¡& o ~r‘mH$Vm©Am| go Ano{jV h¡ {H$ do N>‘mhr AmYma na ‘w»` {deofVmE± Am¡a ‘w»` Cn~§Y… àË`oH$ df© 31 ‘mM© Am¡a 30 {gV§~a VH$ Xmdm Z H$s o {dkmnZ g{‘{V Am¡a/`m AZwnmbZ A{YH$mar {dkmnZm| JB© AXmdr am{e`m| Ho$ g§~§Y ‘o gyMZm H$mo AÚVZ H$a|²& H$s {df`-dñVw, ê$n Am¡a àgma Ho$ VarHo$ na {Z`§ÌU Bg gyMZm VH$ nhþ±M ~r‘m ^amogm nmoQ>©b Ho$ ‘mÜ`‘ go H$s EH$ àUmbr gw{Z{üV H$a|Jo Am¡a ~Zm`o aI|Jo& do àmá hmo gH$Vr h¡ Omo d¡`{º$H$ ~r‘mH$Vm© H$s do~gmBQ> ~moS©> Ûmam {dkmnZm| Ho$ g§~§Y ‘| AZw‘mo{XV Zr{V Ho$ VH$ nwZ{Z©{X©ï> (arS>mBaoŠQ>) H$aVm h¡& nmbZ H$s g‘rjm ^r H$a|Jo& o àË`oH$ nm{bgrYmaH$ H$mo nm{bgr XñVmdoO Ho$ gmW o {dkmnZm| ‘| n`m©á, ghr, gwñnï> Am¡a AÚVZ gyMZm J«mhH$ gyMZm nÌH$ (grAmB©Eg) CnbãY H$am`m OmZm gab ^mfm ‘| {Z{hV hmoJr& Mm{hE {Og‘| EH$ nmaXeu ê$n ‘| g^r bm^m|, Am¡a eVm], VWm H$daoO Ho$ {ddaU {X`o OmZo Mm{hE& o ~r‘mH$Vm© BªQ> Am¡a ‘moQ>©a H$s ~Zr ^m¡{VH$ emImAm| Am¡a gwÑ‹T> {S>{OQ>b CnpñW{V Ho$ g§`moOZ go Xoe ^a ‘| III.5.11 nm{bgrYmaH$m| Ho$ {hVm| Ho$ g§ajU g§~§Yr ‘mñQ>a {’${OQ>b CnpñW{V ~Zm`o aIZo H$m à`mg H$a|Jo& n[anÌ AmB©AmaS>rEAmB©/nrnrEÊS> OrAma/grAmB©Ama/ o ~r‘mH$Vm© ~møòmoVrH$aU ì`dñWm Ho$db V^r H$a| O~ {d{dY/117/9/2024 {XZm§H$ 5 {gV§~a 2024 dh nyU©V`m Amdí`H$ hmo VWm gw{Z{üV H$a| {H$ Eogr nm{bgrYmaH$m| H$mo geº$ H$aZo Am¡a CZHo$ {hVm| H$s ajm H$aZo ì`dñWmAm| H$m n[aUm‘ {H$’$m`Vr hmo Am¡a J«mhH$m| H$mo Ho$ EH$ ^mJ Ho$ ê$n ‘|, AmB©AmaS>rEAmB© (nm{bgrYmaH$m| Ho$ godmE± XoZo ‘| Hw$ebVmnyU© hmo Am¡a/`m CZHo$ ì`dgm` Ho$ {hVm | H$m ga§ jU, ~r‘mH$VmA© m | H$o n[aMmbZ, Ama¡ g~§ Õ {df`) g‘J« ‘yë` ‘| d¥{Õ H$ao& {d{Z`‘, 2024 Ho$ A§VJ©V AmB©AmaS>rEAmB© Zo nm{bgrYmaH$m| o {eH$m`Vm| H$m g‘` na {ZdmaU gw{Z{üV H$aZo Am¡a Ho$ {hVm| H$m g§ajU g§~§Yr ‘mñQ>a n[anÌ Omar {H$`m h¡& J«mhH$m| ‘| {dœmg {Z{‘©V H$aZo Ho$ {bE, ~r‘mH$Vm© ~moS©> Cº$ n[anÌ Cn^moº$m-AZwHy$b Cnm`m| VWm ~r‘m joÌ Ho$ A§Xa Ûmam AZw‘mo{XV EH$ à^mdr, gwÑ‹T>, {eH$m`V {ZdmaU {dœmg Am¡a nmaX{e©Vm H$mo àmoËgm{hV H$aZo H$s Vrd«, {Z~m©Y T>m±Mm bmJy H$a|Jo& Xmdm {ZnQ>mZ à{H«$`m H$m {ddaU XoVo hþE EH$ EH$b XñVmdoO o ~r‘mH$Vm© H$m {eH$m`V {ZdmaU nmoQ>©b, ~r‘m ^amogm ‘| nm{bgrYmaH$ H$s nmÌVmAm| H$mo g§jon ‘| àñVwV H$aVm h¡& nmoQ>©b Ho$ gmW g‘pÝdV {H$`m OmE, {Oggo {eH$m`Vm| Bg ‘mñQ>a n[anÌ Ho$ ~mao ‘| ~mŠg ‘X III.2 ‘| {dñVma go MMm© H$mo n§OrH¥$V H$aZo Am¡a CZH$s pñW{V H$s ImoO H$aZo ‘| H$s JB© h¡& gw{dYm hmo gHo$& o ~r‘mH$Vm©Am| Ho$ nmg gwn[a^m{fV, ~moS©> Ûmam AZw‘mo{XV gm‘{yhH$ OmpoI‘-AH§ $Z Zr{V hmJo r {Og‘ | àdeo , H$daOo dm{f©H$ [anmoQ>© 2024-25 105~mŠg III.2 nm{bgrYmaH$m| Ho$ {hVm| Ho$ g§ajU g§~§Yr ‘mñQ>a n[anÌ, 2024

1. nm{bgrYmaH$m| Ho$ {hVm| Ho$ g§ajU Am¡a AÝ` n[aMmbZJV {df`m| g§~§Yr H$B© {d{Z`‘m| H$s ì`mnH$ ê$n go g‘rjm H$s JB© h¡ VWm ^maVr` ~r‘m {d{Z`m‘H$ Am¡a {dH$mg àm{YH$aU (nm{bgrYmaH$m| Ho$ {hVm| H$m g§ajU, ~r‘mH$Vm©Am| Ho$ n[aMmbZ Am¡a g§~Õ {df`) {d{Z`‘, 2024 (Bg ~mŠg III.2 ‘| BgHo$ ~mX {d{Z`‘ Ho$ ê$n ‘| C{„pIV) 22 ‘mM© 2024 H$mo A{Ygy{MV {H$`m J`m&

2. nm{bgrYmaH$m| Ho$ {hVm| Ho$ geº$sH$aU H$mo ~‹T>mZo Am¡a ~r‘m H$mo ghmam XoZo H$s {Xem ‘| C„oIZr` ê$n ‘| VoOr go H$X‘ ~‹T>mZo Ho$ Vm¡a na, ^maVr` ~r‘m {d{Z`m‘H$ Am¡a {dH$mg àm{YH$aU (AmB©AmaS>rEAmB©) Zo 30 n[anÌm| H$mo {ZañV H$aVo hþE nm{bgrYmaH$m| Ho$ {hVm| Ho$ g§ajU g§~§Yr EH$ ì`mnH$ ‘mñQ>a n[anÌ Omar {H$`m h¡& Bg ‘mñQ>a n[anÌ Zo nm{bgrYmaH$m| Ho$ gwb^ g§X^© Ho$ {bE CZH$s nmÌVmAm| H$mo EH$ ñWmZ na bmH$a Xem©`m h¡ Ed§ nm{bgrYmaH$m| H$mo {Z~m©Y, A{YH$ VoO Am¡a P§PQ>-a{hV Xmdm AZw^d XoZo VWm g‘yMo ~r‘m joÌ ‘| g§d{Y©V godm ‘mZH$m| H$mo gw{Z{üV H$aZo H$s {Xem ‘| Cnm`m| na ^r {deof ~b {X`m h¡&

3. Cº$ ‘mñQ>a n[anÌ H$s ‘w»` {deofVmE± h¢ :

3.1. `h Xmo ^mJm| ‘| {d^m{OV h¡& ^mJ EH$ ‘| g§^m{dV J«mhH$m| / nm{bgrYmaH$m| / J«mhH$ Ho$ {bE ~r‘m g§{dXm Ho$ {d{^Þ ñVam| na ‘hËdnyU© Am¡a g§~§{YV gyMZm H$m gmam§e gpå‘{bV {H$`m J`m h¡& H$moB© ^r g§^m{dV J«mhH$ AWdm nm{bgrYmaH$ ~r‘m nm{bgr Ho$ {d{^Þ ñVam| na AnZo A{YH$ma Am¡a Xm{`Ëd OmZZo Ho$ {bE Bg I§S> ‘| {d{OQ> H$a gH$Vm h¡& ^mJ 2 ‘| Cº$ {d{Z`‘m| Ho$ A§VJ©V {H$gr ^r ~r‘mH$Vm© Ho$ Ûmam AZwnmbZ H$s OmZodmbr {dñV¥V AnojmE± gpå‘{bV H$s JB© h¢&

3.2. CZ nm{b{g`m| H$mo N>mo‹S>H$a Ohm± OmopI‘ H$da àr{‘`‘ H$s àm{á na VËH$mb àma§^ hmoVm h¡, ~r‘mH$Vm© H$mo àñVmd ’$m‘© Ho$ gmW {H$gr ^r O‘mam{e / àñVmd O‘mam{e H$m ^wJVmZ H$aZo H$s Amdí`H$Vm Zht h¡& àr{‘`‘ H$s H$‘ `m A{YH$ dgybr H$aZo Ho$ {bE H$moB© Jw§OmBe Zht hmoZr Mm{hE&

3.3. àË`oH$ ~r‘mH$Vm© H$mo godm ‘mZH$m| H$mo {d{Z{X©ï> H$aVo hþE ZmJ[aH$ MmQ>©a àX{e©V H$aZm / bmJy H$aZm Mm{hE&

3.4. An{dH«$` ({‘g-goqbJ) H$mo {Z`§{ÌV H$aZo Ho$ {bE, `h ~MV AmYm[aV ~r‘m CËnmXm| Am¡a dm{f©H$s CËnmXm| Ho$ {bE, EZnrEg A{^XmZ ‘| ~oMo J`o CËnmXm| H$mo N>mo‹S>H$a, Cn`wº$Vm {dûcofU H$aZm A{Zdm`© ~ZmVm h¡&

3.5. `h Xmdm| Ho$ àg§ñH$aU Ho$ {bE Am¡a {ZnQ>mZ Ho$ {bE à{VdV©Z H$mb (Q>Z© AamCÊS> Q>mB‘) CnbãY H$amVm h¡&

3.6. J«mhH$ H$mo nm{bgr Ho$ bm^m| / AndO©Zm| Ho$ ~mao ‘| OmJê$H$ ~ZmZo Ho$ {bE, `h g^r àH$ma Ho$ ~r‘m Ho$ {bE AWm©V² OrdZ, ñdmñÏ` Am¡a gmYmaU ~r‘m Ho$ {bE J«mhH$ gyMZm nÌH$ (grAmB©Eg) H$mo A{Zdm`© (‘¢So>Q>ar) H$aVm h¡&

3.7. `h àñVmd Ho$ ñVa na hr Zm{‘Vr Ho$ ~¢H$ ImVo H$m {ddaU àmá H$aZm A{Zdm`© H$aVm h¡ {Oggo nm{bgrYmaH$ H$s ‘¥Ë`w hmoZo H$s pñW{V ‘| Xmdm| H$m erK« {ZnQ>mZ {H$`m Om gHo$&

3.8. {Z…ewëH$ AdbmoH$Z Ad{Y… ñdmñÏ` Am¡a OrdZ ~r‘m nm{b{g`m| Ho$ {bE 30 {XZ H$s EH$ EH$g‘mZ Ad{Y bmJy H$s JB© h¡&

3.9. nm{bgrYmaH$ H$mo {S>OrbmH$a H$m Cn`moJ H$aZo ‘| g‘W© ~ZmZo Ho$ {bE, ~r‘mH$Vm© AnZr AmB©Q>r àUm{b`m| H$mo {S>OrbmH$a Ho$ gmW nañna g{H«$` (B§Q>aEopŠQ>d) ahZo Ho$ {bE g‘W© ~ZmE±Jo VWm nm{bgrYmaH$m| H$s gyMZm Ho$ {bE Eogr n[aMmbZ-`mo½`Vm (BZo~b‘|Q>) H$mo àH$m{eV H$a|Jo&

3.10. ~r‘mH$Vm© AnZo gmW g§~Õ {dVaU ‘mÜ`‘m| Ho$ gË`mnZ Ho$ {bE AnZr do~gmBQ> na EH$ ImoO CnH$aU (gM© Qy>b) CnbãY H$amE±Jo&

3.11. `h {ZåZ{bpIV Ho$ {bE ì`dñWm H$aVm h¡…

(i) é. 5000/- à{V {XZ H$s Xa go X§S>mË‘H$ ã`mO H$m ^wJVmZ, Ohm± bmoH$nmb Ho$ A{Y{ZU©` H$m nmbZ A{Y{ZU©` H$s VmarI go 30 {XZ Ho$ A§Xa Zht {H$`m J`m hmo&

(ii) é. 500/- à{V {XZ H$s Xa go X§S>mË‘H$ à^mam| H$m ^wJVmZ, Ohm§ gd}jH$ H$s [anmoQ>© 15 {XZ H$s {ZYm©[aV g‘`md{Y Ho$ A§Xa àñVwV Zht H$s JB© hmo&

(iii) ~¢H$ Xa Am¡a (ßbg) 2 à{VeV H$s Xa go X§S>mË‘H$ ã`mO, Ohm± Xmdo H$m ^wJVmZ / àr{‘`‘ H$s dmngr {ZYm©[aV g‘`-gr‘m Ho$ A§Xa Zht {H$`m J`m hmo / Zht H$s JB© hmo& `h ‘mñQ>a n[anÌ `h gw{Z{üV H$aVo hþE {H$ nm{bgrYmaH$ CƒV‘ ‘mZH$m| H$s gmdYmZr Am¡a godm àmá H$a|, VWm ~r‘m joÌ ‘| {dœmg Am¡a nmaX{e©Vm H$mo àmoËgmhZ XoVo hþE, nm{bgrYmaH$m| H$mo geº$ H$aZo Ho$ EH$ `wJm§VaH$mar à`mg H$mo {Zê${nV H$aVm h¡&àm{YH$aU Ho$ gm§{d{YH$ Am¡a {dH$mgmË_H$ H$m`© III.5.12 1 ‘B© 2025 go Am¡a CgHo$ ~mX g‘m‘o{bV III.6.1 ^maVr` ~r‘m gd}jH$ Am¡a hm{Z {ZYm©aH$ g§ñWmZ joÌr` J«m‘rU ~¢H$m| go g§~§{YV H$manmoaoQ> EO|gr {df`m| (AmB©AmB©AmB©EgEbE) g§~§Yr n[anÌ AmB©AmaS>rEAmB©/grE/grAmB©Ama/ ^maVr` ~r‘m gd}jH$ Am¡a hm{Z {ZYm©aH$ g§ñWmZ {d{dY/64/05/2025 {XZm§H$ 9 ‘B© 2025 (AmB©AmB©AmB©EgEbE) ~r‘m A{Y{Z`‘, 1938 H$s Ymam 05 Aà¡b 2025 H$mo {dÎmr` godmE± {d^mJ Zo joÌr` J«m‘rU 64`yE‘ Ho$ AZwgma gd}jH$m| Am¡a hm{Z {ZYm©aH$m| H$m EH$ ~¢H$m| (AmaAma~r) Ho$ g‘oH$Z Ho$ Mm¡Wo MaU H$mo A§{H$V H$aVo ì`mdgm{`H$ {ZH$m` h&¡ Bg gñ§ WmZ H$m àdVZ© AmBA© maS>rEAmB© hþE, EH$ amÁ` EH$ AmaAma~r {gÕm§V Ho$ A§VJ©V 26 joÌr` Ûmam AmB©AmaS>rE A{Y{Z`‘, 1999 H$s Ymam 14(2)(M) Ho$ J«m‘rU ~¢H$m| (AmaAma~r) Ho$ g‘oH$Z H$mo A{Ygy{MV {H$`m& A§VJ©V {H$`m J`m VWm Bgo H§$nZr A{Y{Z`‘, 2013 H$s Ymam {hVYmaH$m| Ho$ gmW nam‘e© H$aZo Ho$ Cnam§V, n[aMmbZJV 8 Ho$ AYrZ {ZJ{‘V {H$`m J`m& AmB©AmaS>rE A{Y{Z`‘, Hw$ebVm ‘| d¥{Õ H$aZo Am¡a bmJVm| H$mo Bï>V‘ ~ZmZo Ho$ bú` 1999 H$s Ymam 14(2)(M) ~r‘m Am¡a nwZ~u‘m ì`dgm` Ho$ H$o gmW 10 amÁ`m | Ama¡ 1 gK§ amÁ` jÌo (`Qy >r) ‘ | 26 AmaAma~r gmW g§~Õ ì`mdgm{`H$ g§JR>Zm| H$m àdV©Z Am¡a {d{Z`‘Z H$m g‘m‘obZ {H$`m J`m h¡& H$aZo go g§~§{YV h¡& amOnÌ A{YgMy Zm g.§ grOr-S>rEb-B-© 07042025-262329 III.6.2 ^maVr` ~r‘m Xbmb g§K (AmB©~rEAmB©) Ho$ AZwgaU ‘|, AmB©AmaS>rEAmB© Zo g‘m‘obZ Ho$ ~mX AZwgaU {H$`o OmZodmbo {d{Z`m‘H$ {Xem{ZX}em| H$m {ddaU XoVo hþE ^maVr` ~r‘m Xbmb g§K (AmB©~rEAmB©) H$mo OwbmB© 2001 ‘| n[anÌ AmB©AmaS>rEAmB©/grE/grAmB©Ama/{d{dY/64/05/ H§$nZr A{Y{Z`‘, 1956 H$s Ymam 25 Ho$ A§VJ©V EH$ H§$nZr 2025 Omar {H$`m h¡& BZ‘| em{‘b h¢, A§V[aVr AmaAma~r H$o ê$n ‘ | {ZJ{‘V {H$`m J`m& AmBA© maSµ >rEAmB © H$o Ûmam nO§ rH$¥V Ûmam EH$b n§OrH$aU à‘mUnÌ (grAmoAma) H$m à{VYmaU, Xbmbm| go Ano{jV h¡ {H$ do Amdí`H$ ê$n go ^maVr` ~r‘m efo grAmAo maEg H$m Aä`nU© , VWm nm{bgrYmaH$m |H$s A~m{YV Xbmb g§K (AmB©~rEAmB©) Ho$ gXñ` hm|& g{d©qgJ H$mo gw{Z{üV H$aZo Ho$ {bE EH$ dMZ-nÍ& A§V[aVr AmaAma~r go Ano{jV h¡ {H$ dh 90 {XZ Ho$ A§Xa {db{`V `h g§K ~r‘m Xbmb gXñ`m| Ho$ ~rM nañna g{H«$`Vm H$mo g§ñWmAm| Ho$ g^r {d{Z`m‘H$ Xm{`Ëdm| H$m g‘mYmZ H$ao& 12 ~‹T>mdm XoVm h¡ VWm CÝh| kmZ Am¡a H$m¡eb H$m H$mo{Q>-CÞ`Z ‘hrZo Ho$ {bE, ~r‘m ì`dñWmE± AñWm`r ê$n go ~r‘mH$Vm© H$s H$aZo ‘| AmJo H$m à{ejU XoVm h¡& AmB©~rEAmB© Cn^moº$mAm| {ZYm©[aV gr‘m go A{YH$ hmo gH$Vr h¢²& EH$ g§emo{YV, ~moS©>- Am¡a g‘wXm` H$mo ~r‘m Ho$ g§~§Y ‘| ñnï> H$aZo Ho$ bú` go `wº$ AZw‘mo{XV H$manmoaoQ> EO|gr Zr{V 60 {XZ Ho$ A§Xa Adí` CÚmoJ H$s {ejU nhbwAm| H$mo g‘W©Z XoVm h¡& àñVwV H$s OmZr Mm{hE& {d{Z{X©ï> ì`{º$`m| (EgnrEg) H$m A§VaU H$aZo Am¡a EH$ àYmZ A{YH$mar H$mo Zm‘mo{Ôï> H$aZo Ho$ III.7 A{Y{Z`‘ Ho$ à`moOZm| H$mo H$m`m©pÝdV H$aZo Ho$ {bE {bE ^r àmdYmZ {H$`o J`o& A§V[aVr joÌr` J«m‘rU ~¢H$ ewëH$ Am¡a AÝ` à^ma bJmZm A§VaUH$Vm© joÌr` J«m‘rU ~¢H$m| H$s OrdZ ~r‘m ì`dñWmAm| Ho$ A§VJ©V ZdrH$aU H$‘reZ àmá H$aZo Ho$ {bE Ho$db III.7.1 df© 2024-25 Ho$ Xm¡amZ ewëH$ g§aMZm ‘| H$moB© n[adV©Z nm{bgrYmaH$m| H$mo godm H$s Cn`wº$ ì`dñWmE± H$aZo Ho$ ~mX hr Zht Wo& {dÎmr` df© 2024-25 Ho$ Xm¡amZ g^r {d{Z`{‘V nmÌ hm|Jo& `o {ZX}e AmB©AmaS>rE A{Y{Z`‘, 1999 H$s Ymam g§ñWmAm| go dgyb {H$`m J`m Hw$b ewëH$ é.248.08 H$amo‹S> h¡& 14(2)(L>) Ho$ AYrZ Omar {H$`o J`o h¢& {dñV¥V ewëH$ g§aMZm AZw~§Y 8 ‘| Xr JB© h¡& III.6 ~r‘m Am¡a nwZ~u‘m ì`dgm` Ho$ gmW g§~Õ ì`mdgm{`H$ g§JR>Zm| H$m àdV©Z Am¡a {d{Z`‘Z dm{f©H$ [anmoQ>© 2024-25 107àm{YH$aU Ho$ gm§{d{YH$ Am¡a {dH$mgmË_H$ H$m`© III.8 ~r‘mH$Vm©Am|, ‘Ü`d{V©`m|, ~r‘m ‘Ü`d{V©`m| Am¡a g§~§{YV A{Y{Z`‘m|, {Z`‘m|, {d{Z`‘m|, {Xem{ZX}em|/ ~r‘m ì`dgm` go g§~§{YV AÝ` g§JR>Zm| go OmZH$mar n[anÌm|, {ZXoem|, ‘mZH$m|, Am{X Ho$ Cn~§Ym| Ho$ nmbZ/ AZwnmbZ Ho$ g§~§Y ‘| g§Mm{bV H$aVm h¡& {d{Z`{‘V ‘m§JZm, CZH$m {ZarjU H$aZm, Om±M Am¡a AÝdofU H$aZm gñ§ WmAm | H$o ñWmZ na gm‘mÝ`, {df`naH$, Ama¡ gH§ $opÝÐV {OgHo$ A§VJ©V boIm-narjm ^r em{‘b h¡ {ZarjU {d{Z`{‘V g§ñWmAm| H$s {dÎmr` pñW{V, ~mOma III.8.1 ~r‘m A{Y{Z`‘, 1938 H$s Ymam 33 Am¡a AmB©AmaS>rE ì`dhma, H$manmoaoQ> A{^emgZ, OmopI‘ à~§Y, Am¡a A{Y{Z`‘, 1999 H$s Ymam 14(2)(O) ~r‘mH$Vm©Am|, g§~§{YV {df`m| go g§~§{YV {d{^Þ {d{Z`m‘H$ Cn~§Ym| ‘Ü`d{V©`m|, ~r‘m ‘Ü`d{V©`m| Am¡a ~r‘m ì`dgm` go g§~§{YV Am¡a AÝ` à`moÁ` {d{Y`m| Ho$ AZwnmbZ H$m {ZYm©aU AÝ` g§JR>Zm| go gyMZm ‘m±JZo, CZHo$ AÝdofU g{hV CZH$m H$aZo Ho$ {bE Z‘yZm AmYma na g§~§{YV A{^boIm|, AmZgmBQ> {ZarjU H$aZo Ho$ {bE gm§{d{YH$ Cn~§Y {ZYm©[aV boIm-~{h`m| Am¡a ì`mdgm{`H$ H$m`©H$bmnm| H$s Om±M H$aVr h¢& Ho$ Ûmam CZH$s H$m`©nÕ{V H$m {ZYm©aU H$aZo Ho$ {bE {H$`o OmVo h¢& III.8.2 n`©dojr {ZJamZr Ý`yZV‘ Vm¡a na Xmo-‘wIr Ñ{ï>H$moU AWm©V² namoj (Amµ’$gmBQ>) Om±M Am¡a ñWmZ na AWdm àË`j III.8.3 gM§ m{bV AmZ-gmBQ> {ZarjUm | H$m {ddaU… df 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H$s g§»`m `{X {Zar{jV g§ñWm na H$maU ~VmAmo Zmo{Q>g Omar H$aZo Ho$ 1 Xbmb 9 Ûmam Amamon bJm`m OmVm h¡, Vmo CZH$mo AnZm ‘m‘bm àñVwV 2 H$manmoaoQ> EO|Q> 6 H$aZo Ho$ {bE AmJo Am¡a àñVwVrH$aU H$aZo Ho$ A{V[aº$, EH$ 3 {dXoer nwZ~u‘mH$Vm© H$s emIm 1 d¡`{º$H$ gwZdmB© H$m Adga àXmZ {H$`m OmVm h¡& 4 ~r‘m {dnUZ ’$‘© 4 V~ gj‘ àm{YH$mar A§{V‘ {d{Z`m‘H$ H$ma©dmB`m| na {ZU©` 5 gd}jH$ Am¡a hm{Z {ZYm©aH$ 5 boVm h¡, {Og‘| {ZåZ{bpIV em{‘b hmo gH$Vo h¢ : 6 OrdZ ~r‘mH$Vm© 7 7 ñdmñÏ` g{hV, J¡a-OrdZ ~r‘mH$Vm© 6 • nam‘e© / MoVmd{Z`m± Omar H$aZm Hw$b 38 • `Wmg§emo{YV ~r‘m A{Y{Z`‘, 1938 H$s Ymam 34 Ho$ III.3: {Q>ßn{U`m| Ho$ AmYma na H$s JB© {d{Z`m‘H$ A§VJ©V {ZXoem| H$mo N>mo‹S>H$a AÝ` gm‘mÝ` {ZXoe XoZm H$ma©dmB`m| H$m {ddaU • MoVmd{Z`m± Omar H$aZm Am¡a/`m AW©X§S> bJmZm H«$‘ {d{Z`m‘H$ H$ma©dmB© {Q>ßn{U`m| g§. H$m ñdê$n H$s g§»`m CZ ‘m‘bm| ‘| Ohm± C„§KZ J§^ra ‘mZo OmVo h¢, Omo g§^m{dV ê$n 1 nam‘e© 169 go n§OrH$aU `m bmBg|g H$mo {ZañV H$aZo H$s Amoa ‘mJ© àeñV 2 {ZXoe 25 H$aVo h¢, dhm± A{YH$ C{MV H$R>moa à{H«$`m H$m AZwgaU {H$`m 3 MoVmdZr (H$meZ) 98 OmVm h¡& 4 MoVmdZr (dm{ZªJ) 2 Cº$ n`©dojU à{H«$`mAm| Ho$ A{V[aº$, A{Y{Z`‘ ~r‘m 5 X§S>/AW©X§S> 20 A{Y{Z`‘, 1938 Ho$ {d{Z{X©ï> C„§KZm| Ho$ {bE Ý`m`{ZU©`Z Hw$b 314 à{H$«`m H$m o ^r A{Zdm` © ~ZmVm h&¡ `h Ý`m`{ZU`© Z /A{Zdm`V© … EH$ Eogo A{YH$mar Ho$ Ûmam g§Mm{bV {H$`m OmZm Mm{hE Omo III.9 ~r‘m A{Y{Z`‘, 1938 (1938 H$m 4) H$s Ymam H$‘ go H$‘ ‘hmà~§YH$ H$s h¡{g`V H$m hmo, Omo X§S>/ AW©X§S> 64`y Ho$ AYrZ àewëH$ nam‘e©XmÌr g{‘{V Ho$ Ûmam BVZm H$s Cn`wº$ ‘mÌm H$m {ZYm©aU Am¡a {g’$m[ae H$aZo ‘| ‘w»` {Z`§{ÌV Am¡a {d{Z`{‘V Zht {H$`o OmZodmbo gmYmaU H$maH$m| na {dMma H$aVm hmo& ~r‘m ì`dgm` Ho$ g§~§Y ‘| ~r‘mH$Vm©Am| Ûmam àñVm{dV H$s OmZodmbr Xam|, bm^m|, {Z~§YZm| Am¡a eVm] H$m {Z`§ÌU àm{YH$aU Ho$ Ûmam {H$`o J`o g^r {ZU©`m| na ~r‘m A{Y{Z`‘, Am¡a {d{Z`‘Z 1938 H$s Ymam 110 H$o AYrZ à{V^{yV Anrbr` Ý`m`m{YH$aU Ho$ g‘j Anrb àñVwV H$s Om gH$Vr h¡& III.9.1 gmYmaU ~r‘m ì`dgm` Ho$ àewëH$ (Q>¡[a’$) go `wº$ g^r lo{U`m| H$mo ‘moQ>a AÝ` nj ì`dgm` H$mo N>mo‹S>H$a 01 III.8.6 2024-25 Ho$ Xm¡amZ, 38 AmZ-gmBQ> Am¡a XyañW OZdar 2007 go àewëH$-a{hV (S>r-Q>¡[a’$) {H$`m J`m Wm, {ZarjU [anmoQ>] nyar H$s JBª Am¡a Cn`w©º$ {ZarjU [anmoQ>m] na Ohm± VH$ H$s‘V-{ZYm©aU H$m g§~§Y h¡& BgHo$ Abmdm, ~r‘m 314 {d{Z`m‘H$ H$ma©dmB`m± H$s JBª& A{Y{Z`‘, 1938 H$s Ymam 64`yEbE H$s Cn-Ymam (1) Ûmam dm{f©H$ [anmoQ>© 2024-25 109àm{YH$aU Ho$ gm§{d{YH$ Am¡a {dH$mgmË_H$ H$m`© àXÎm e{º$`m | H$m à`mJo H$aV o hEþ , àm{YH$aU Z o g^r {ZåZ{bpIV III.10.1 ~r‘mH$Vm©Am| Ho$ {dÎmr` {ddaU g‘`-g‘` na àM{bV nm{bgr dmŠ`aMZm àewëH$m| H$mo 01.04.2024 go `Wmg§emo{YV AmB©AmaS>rEAmB© (~r‘mH$Vm©Am| Ho$ ~r‘m§{H$H$, A{YgyMZm-a{hV (S>r-Zmo{Q>’$mB©) H$a {X`m h¡… {dÎm Am¡a {Zdoe H$m`©) {d{Z`‘, 2024 Ho$ A§VJ©V VWm g‘`- g‘` na Omar {H$`o J`o {d{^Þ n[anÌm| Am¡a {Xem{ZX}em| Ho$ H$. A{¾ ~r‘m àewëH$ (ApIb ^maVr` A{¾ àewëH$, Ûmam ^r {ZYm©[aV ê$n Am¡a VarHo$ go V¡`ma {H$`o OmVo h¢& BZ 2001 H$mo N>mo‹S>H$a, {Ogo nhbo hr A{YgyMZm {XZm§H$ {d{Z`‘m| ‘| Ano{jV ê$n ‘| {d{^Þ àH$ma H$s ‘X| àñVwV H$aZo 28 {Xg~§ a 2020 H$o Ûmam A{YgMy Zm-a{hV (S>r-Q>[¡a’$) H$o {bE bIo m-~{h`m ± aIr OmVr h&¢ BgH$o Abmdm, ~r‘mH$VmA© m| {H$`m J`m Wm& Ho$ ~r‘m§{H$H$, {dÎm Am¡a {Zdoe H$m`m] g§~§Yr ‘mñQ>a n[anÌ AmB©AmaS>rEAmB©/EgrQ>rEb/grAmB©Ama/{d{dY/80/05/ I. ‘moQ>a, AWm©V ApIb ^maVr` ‘moQ>a àewëH$ 2024 {XZm§H$ 17 ‘B© 2024 AmB©AmaS>rEAmB© (~r‘mH$Vm©Am| J. B§Or{Z`[a¨J ~r‘m àewëH$ Ho$ ~r‘m§{H$H$, {dÎm Am¡a {Zdoe H$m`©) {d{Z`‘, 2024 Ho$ {d{^Þ Cn~§Ym| go g§~§{YV nhbwAm| na Amdí`H$ ‘mJ©Xe©Z K. {d{dY, AWm©V H$‘©H$ma à{VH$a ~r‘m àewëH$& XoVm h¡& L>. ‘arZ, AWm©V Q>r Q>¡[a’$& III.10.2 ‘Ü`d{V©`m| Ho$ ‘m‘bo ‘|, ~hr ImVo Am¡a {dÎmr` III.9.2 M{±yH$ ‘mQo >a AÝ` nj ~r‘m H$da ‘mQo >a dmhZ A{Y{Z`‘, {ddaU g§~§{YV {d{Z`‘m|/ n[anÌm|/ {Xem{ZX}em| Ho$ A§VJ©V 1988 Ho$ A§VJ©V EH$ gm§{d{YH$ Anojm h¡, AV… ‘moQ>a AÝ` {ZYm©[aV ê$n Am¡a VarHo$ go aIo OmZo H$s Anojm h¡& nj àr{‘`‘ Xa| nyd© ‘| AmB©AmaS>rEAmB© Ûmam àË`oH$ df© III.10.3 Ohm± ^r AmB©AmaS>rEAmB© Zo dh ê$n Am¡a VarH$m A{Ygy{MV H$s JB© Wt& dV©‘mZ ‘| ‘moQ>a dmhZ (g§emoYZ) {ZYm©[aV Zht {H$`m h¡ {Og‘| boIm-~{h`m± aIr OmZo H$s A{Y{Z`‘, 2019 H$s Ymam 51 Ho$ AZwgma `Wmg§emo{YV ‘moQ>a Anojm h¡, dhm± H§$nZr A{Y{Z`‘/{Z`‘m| VWm AÝ` à`moÁ` dmhZ A{Y{Z`‘, 1988 H$s Ymam 147 H$s Cn-Ymam (2) Ho$ A{Y{Z`‘m|/ {Z`‘m| Ho$ Cn~§Y bmJy hmoVo h¢& Cn~§Ym| Ho$ A§VJ©V, g‹S>H$ n[adhZ Am¡a amO‘mJ© ‘§Ìmb` (E‘AmoAmaQ>rEM) H$mo A{YXoe (‘¢So>Q>) {X`m J`m h¡ {H$ III.11: ~r‘m H§$n{Z`m| Ûmam {Z{Y`m| Ho$ {Zdoe H$mo AmB©AmaS>rEAmB© Ho$ gmW nam‘e© H$aZo Ho$ ~mX AÝ` njH$ma {d{Z`{‘V H$aZm àr{‘`‘ Ho$ g§~§Y ‘| ~r‘mH$Vm© Ho$ AmYma^yV àr{‘`‘ Am¡a ~r‘m A{Y{Z`‘, 1938, ‘mñQ>a n[anÌ Am¡a g‘`-g‘` na Xo`Vm H$mo {ZYm©[aV H$ao& `Wmg§emo{YV {Xem{ZX}em| Ho$ gmW n{R>V AmB©AmaS>rEAmB© III.9.3 VXZwgma, g‹S>H$ n[adhZ Am¡a amO‘mJ© ‘§Ìmb` Zo (~r‘mH$Vm©Am| Ho$ ~r‘m§{H$H$, {dÎm Am¡a {Zdoe H$m`©) {d{Z`‘, amOnÌ A{YgyMZm g§»`m Or.Eg.Ama. 32 (B©) {XZm§H$ 5 2024 ~r‘mH$Vm© Ho$ {Zdoem| H$mo {d{Z`{‘V H$aVo h¢& OZdar 2024 Ho$ Ûmam ‘moQ>a dmhZ (AÝ` nj ~r‘m AmYma III.11.1 ~r‘mH$Vm©Am| Ho$ ~r‘m§{H$H$, {dÎm Am¡a {Zdoe àr{‘`‘ Am¡a Xo`Vm) {Z`‘, 2024 A{Ygy{MV {H$`o h¢& H$m`m] g§~§Yr ‘mñQ>a n[anÌ g§X^©… n[anÌ g§.

III.10 Cg ê$n Am¡a VarHo$ H$mo {d{Z{X©ï> H$aZm {Og‘| AmB©AmaS>rEAmB©/EgrQ>rEb/grAmB©Ama/{d{dY/80/ ~r‘mH$Vm©Am| Am¡a AÝ` ~r‘m ‘Ü`d{V©`m| Ûmam boIm- 05/2024 {XZm§H$ 17 ‘B© 2024 ~{h`m ± aIr OmEJ± r VWm bIo m-{ddaU àñVVw {H$` o OmEJ± o ‘mñQ>a n[anÌ H$m AÜ`m` 3 {Zdoe H$m`© go g§~§{YV h¡& Cn`w©º$ n[anÌ ‘| {H$`o J`o ~‹S>o n[adV©Z ZrMo C{„pIV h¢ :

110 dm{f©H$ [anmoQ>© 2024-25àm{YH$aU Ho$ gm§{d{YH$ Am¡a {dH$mgmË_H$ H$m`© ‘Ü` H$m`mb© ` ({‘S> Am{’$g) à~Y§ Z H$o à‘Iw ì`{º$ (H$oE‘nr) H$aZo Ho$ {bE B©{¹$Q>r ì`wËn{Þ`m| (So>ao{d{Q>ìg) boZXoZ H$aZo H$s H$mo [anmoQ>© H$aoJm (Omo ‘w»` {Zdoe A{YH$mar `m ‘w»` {dÎm AZ‘w {V Xr JB © h&¡ ~r‘mH$VmA© m | H$m o ñQ>mH$ â`My g © Ama¡ gMy H$mH§ $ A{YH$mar Zht hmoJm) Omo ‘w»` H$m`©H$mar A{YH$mar H$mo [anmoQ>© â`yMg© ‘| A{Y{dH«$` H$s pñW{V (emQ>© nmo{OeZ) boZo H$s H$aoJm& AZw‘{V Xr JB© h¡ VWm CÝh| {dH$ën YmaH$ (AmßeZ hmoëS>a) (H«o$Vm) H$s pñW{V boZo Ho$ {bE AZw‘{V Xr JB© h¡ VWm CÝh| {H$gr ^r EH$b å`wMwAb ’§$S> ‘| 20% {Zdoe H$s Ý`yZV‘ ñQ>mH$m| Am¡a gyMH$m§H$m| (B§{S>gog) Ho$ Ho$db {dH«$` {dH$ën gr‘m Ho$ ghZerb (n¡{gd) C„§KZ, C„§KZ hmoZo Ho$ 30 {XZ (nyQ> AmßeZ) IarXZo H$s AZw‘{V Xr JB© h¡& B©{¹$Q>r ì`wËn{Þ`m| Ho$ A§Xa gwYma {b`o OmE±Jo& (So>[ado{Q>ìg) Ho$ à{V H$moB© ^r H$mC§Q>a na EŠgnmoµOa {Z{fÕ h¡& gyMr~Õ Xbmbm| Ho$ {bE {ZYm©[aV boZXoZ gr‘m H$s N>‘mhr III.11.3 n[anÌ g§. AmB©AmaS>rEAmB©/E’$EÊS>AmB©/ AmYma na g‘rjm H$s OmEJr& {H$Ýht AndmXmË‘H$ H$maUm| go AmB©EZdr/grAmB©Ama/43/03/2025 {XZm§H$ 10 ‘mM© Cn`w©º$ gr‘mAm| H$m C„§KZ hmoZo H$s pñW{V ‘|, ~r‘mH$Vm© Eogo 2025 Ho$ AZwgma gaH$mar à{V^y{V`m| (dm`Xm ~m§S>) ‘| C„§KZ Ho$ {bE {d{eï> H$maU {bpIV ‘| XO© H$a|Jo VWm ~moS©> dm`Xm g§{dXmAm| Ho$ à{V EŠgnmoµOa H$mo ^r H$m`m}Îma Vm¡a na gy{MV {H$`m OmEJm& ^maVr` [aµOd© ~¢H$ (gaH$mar à{V^y{V`m| ‘| dm`Xm g§{dXmE±) n|eZ Am¡a AÝ` g‘yh {Z{Y ‘| AÝ` {Zdoe aIZo Ho$ {bE {ZXoe, 2025 Ho$ Cnam§V, ~r‘mH$Vm©Am| H$mo ~Mmd Ho$ à`moOZ A{YH$V‘ g‘`md{Y 90 {XZ go ~‹T>mH$a 180 {XZ H$a Xr JB© Ho$ {bE Cn`moJH$Vm©Am| Ho$ ê$n ‘| dm`Xm ~m§S>m| (~m§S> ’$md©S©>) h¡& ‘| boZXoZ H$aZo H$s AZw‘{V Xr JB© h¡& ~r‘mH$Vm© dm`Xm ~m§S>m| ‘| AWm©V² dm`Xm ~m§S>m| H$s IarX ‘| Ho$db {~H«$s go A{YH$ {dg~§ Õ H$§nZr H$o {bE bmJ y bm^me§ ‘mZXS§ > H$s JUZm AZ‘w m{oXV IarX H$s pñW{V (bm§J nmo{OeZ) b|Jo& VWm{n, `y{ZQ> gh~Õ AWdm AÝ` {Zdoe Ho$ ê$n ‘| n[aUm‘r {Zdo{eVr H§$nZr ~r‘m `moOZm (`y{bn) ì`dgm` Ho$ {bE dm`Xm ~m§S>m| (~m§S> (H§$n{Z`m|) ‘| B©{¹$Q>r eo`am| Am¡a A{Y‘mZr eo`am| ‘| {Zdoe Ho$ ’$md©S©>) H$s AZw‘{V Zht h¡& BgHo$ Abmdm, ~r‘mH$Vm© {ZnQ>mZ dJuH$aU Ho$ à`moOZ Ho$ {bE H$s OmEJr Omo Xmo dfm] Ho$ ñWmZ AmYma Am¡a g‘`-g‘` na `Wmg§emo{YV ~mOma na§namAm| na àma§{^H$ VrZ {dÎmr` dfm] Ho$ {bE n[ad{V©V H$s JB© h¡& Am{X Ho$ g§~§Y ‘| {Z`V Am` ‘wÐm ~mOma Am¡a ^maVr` ì`mnmar Ho$ÝÐ gaH$ma, amÁ` gaH$ma Am¡a H$manmoaoQ> ~m§S>m|/{S>~|Mam| H$m g§K Ûmam Omar {H$`o J`o n[aMmbZ g§~§Yr {Xem{ZX}em| H$m ‘yë`m§H$Z {’$åS>m Ûmam Xr JB© H$s‘Vm| Ho$ AZwgma {H$`m OmEJm AZwnmbZ H$a|Jo& `m go~r Ho$ nmg n§OrH¥$V {H$gr aoqQ>J EO|gr H$s ghm`H$/ III.12 emoYZ-j‘Vm ‘m{O©Z Ho$ AZwajU H$mo {d{Z`{‘V YmaH$ H§$nZr Ûmam àH$m{eV à`moÁ` ~mOma à{V’$b (`rëS>) H$aZm Xa na {H$`m OmEJm& III.12.1 àË`oH$ ~r‘mH$Vm© Am¡a nwZ~u‘mH$Vm© ha g‘` emoYZ- III.11.2 n[anÌ g§. 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MaUOmoV qgh Z§Xm, A§eH$m{bH$ gXñ` 1 1 118 dm{f©H$ [anmoQ>© 2024-25g§JR>ZmË_H$ {df` IV.2 ‘mZd g§gmYZ àm{YH$aU Am¡a BgHo$ H$‘©Mm[a`m| H$m ‘yë`-g§dY©Z H$aVo h¢ {Oggo ~ohVa H$‘©Mmar H$ë`mU, geº$sH$aU, g§d¥{Õ Am¡a IV.2.1 ‘mZd g§gmYZ à~§Y H$m H$m`© AmB©AmaS>rEAmB© Ho$ à{VYmaU Ho$ {bE ‘mJ© àeñV hmoVm h¡& gm‘mÝ` àemgZ Ama¡ ‘mZd gg§ mYZ {d^mJ (OrE EÊS> EMAma) H$m EH$ AË`mdí`H$ H$m`© h¡ VWm àm{YH$aU H$s {d{dYrH¥$V df© Ho$ Xm¡amZ, àdoe ñVa AWm©V² ghm`H$ à~§YH$m| Ho$ ñVa na AnojmAm| H$mo nyam H$aZo ‘| àm{YH$aU ‘| `h EH$ Hw$eb Am¡a ^Vu H$s à{H«$`m g§Mm{bV H$s JB© VWm Z`o ^Vu {H$`o J`o 48 A{^ào[aV H$m`©~b H$m {Z‘m©U Am¡a AZwajU H$aZo Ho$ {bE ghm`H$ à~§YH$m| Zo 7 Aà¡b 2025 H$mo AmB©AmaS>rEAmB© ‘| EH$ g‘W©H$mar Am¡a ghm`H$ H$s ^y{‘H$m H$m {Zdm©h H$aVm h¡& H$m`©J«hU {H$`m& ‘w»` CÔoí` H$m`© g§Vmof H$m ‘mnZ H$aZo, H$‘©Mm[a`m| H$m ñQ>m’$ g§»`m {d{Z`moOZ H$aZo VWm H$m`©ñWb g§~§Yr g§Kf©, `{X H$moB© hmo, H$m g‘mYmZ H$aZo Ho$ Ûmam H$‘©Mmar-{Z`moº$m g§~§Y H$mo ‘O~yV IV.2.2 ñQ>m’$ H$s g§»`m Am¡a A{V[aº$ l‘e{º$ H$s g‘rjm H$aZm h¡& g‘`-g‘` na H$s OmVr h¡& 31 ‘mM© 2025 H$s pñW{V Ho$ AZwgma ñdrH¥$V Am¡a dmñV{dH$ ñQ>m’$ g§»`m H$s pñW{V ZrMo Bg {d^mJ H$s ^{y‘H$m CZ H$m`H© $«‘m | Ama¡ à{H$«`mAm | H$m {dH$mg gmaUr IV.4 ‘| Xr JB© h¡& H$aZm, H$m`m©Ýd`Z H$aZm Am¡a CZH$m g‘W©Z H$aZm h¡ Omo gmaUr IV.4: AmB©AmaS>rEAmB© ‘| ñdrH¥$V Am¡a dmñV{dH$ ñQ>m’$ g§»`m A{YH$mar loUr 31 ‘mM© 2024 H$mo 31 ‘mM© 2025 H$mo ñdrH¥$V dmñV{dH$ ñdrH¥$V dmñV{dH$ I 374 229 389 225 AÝ` 0 0 0 0 Hw$b 374 229 389 225 d[að> ghm`H$ Am¡a ghm`H$ J«oS> H$mo {ZH$mb XoZo (aZ Amµ’$) Am¡a 2022-23 ‘| nXmoÞ{V H$s à{H«$`m H$mo g§Mm{bV H$aZo Ho$ g§~§Y ‘| àm{YH$aU Ûmam 26 OwbmB© 2022 H$mo Am`mo{OV AnZr 119dt ~¡R>H$ ‘| àXmZ {H$`o J`o AZw‘moXZ Ho$ Cnam§V, loUr III Am¡a IV nX hQ>m`o J`o h¢ VWm àm{YH$aU A{YH$mar-CÝ‘wI g§JR>Z ~Z J`m h¡& loUr-dma ñQ>m’$ g§»`m IV.2.3 ñQ>m’$ gXñ`m| H$m loUr-dma {dVaU gmaUr IV.5 ‘| àñVwV {H$`m J`m h¡& gmaUr IV.5: AmB©AmaS>rEAmB© ‘| loUr-dma ñQ>m’$ g§»`m A{YH$mar 31 ‘mM© 2024 H$mo 31 ‘mM© 2025 H$mo loUr AOm AOOm Amo~rgr AÝ` Hw$b AOm AOOm Amo~rgr AÝ` Hw$b I 28 10 64 127 229 28 9 64 124 225 (12.23) (4.37) (27.95) (55.46) (100.00) (12.44) (4.00) (28.44) (55.11) (100.00) {Q>ßnUr… H$moð>H$ ‘| Am§H$‹S>o Hw$b g§»`m H$m à{VeV h¢& dm{f©H$ [anmoQ>© 2024-25 119g§JR>ZmË_H$ {df` H$‘©Mm[a`m| H$s qbJ Am¡a Am`w ê$naoIm J«oS>-dma ñQ>m’$ g§»`m Am`w-dma ñQ>m’$ g§»`m IV.2.5 ñQ>m’$-gXñ`m| H$m J«oS>-dma {dVaU gmaUr IV.7 ‘| {X`m J`m h¡& IV.2.4 225 H$‘©Mm[a`m| ‘| go 51 ‘{hbmE± h¢ Omo ñQ>m’$ g§»`m H$m 22.67 à{VeV h¢& H$‘©Mm[a`m| Ho$ bJ^J 41 df© gmaUr IV.7: AmB©AmaS>rEAmB© ‘| J«oS>-dma ñQ>m’$-g§»`m H$s Am¡gV Am`w Ho$ gmW AmB©AmaS>rEAmB© AnojmH¥$V EH$ `wdm J«oS> 2023-24 2024-25 Am¡a J{Verb g§JR>Z h¡& 2024-25 ‘| ñQ>m’$-gXñ`m| H$m H$m`©H$mar {ZXoeH$ (B©S>r) 3 3 Am`w-dma {dVaU gmaUr IV.6 ‘| {X`m J`m h¡& ‘w»` ‘hmà~§YH$ (grOrE‘) 10 11 gmaUr IV.6: AmB©AmaS>rEAmB© ‘| ñQ>m’$ ‘hmà~§YH$ (OrE‘) 23 23 H$m Am`w-dma {dVaU Cn ‘hmà~§YH$ (S>rOrE‘) 44 47 ghm`H$ ‘hmà~§YH$ (EOrE‘) 27 22 Am`w-g‘yh (dfm] ‘|) g§»`m à{VeV à~§YH$ (E‘OrAma) 66 65 30 go H$‘ Am¡a CgHo$ g‘mZ 29 12.89 ghm`H$ à~§YH$ (EE‘) 56 54 31-40 69 30.67 Hw$b 229 225 41-50 72 32.00 51-60 55 24.44 à{ejU Am¡a {dH$mg Hw$b Omo‹S> 225 100.00 IV.2.6 à{ejU Am¡a {dH$mg H$‘©Mm[a`m| Ho$ d¡`{º$H$ Am¡a ì`mdgm{`H$ H$m¡eb, kmZ Am¡a j‘VmAm| H$mo {dH${gV H$aZo Ho$ {bE CZH$s ghm`Vm H$aZo hoVw AË`§V ‘hËdnyU© h¢& kmZ Ho$ AmYma H$mo ~‹T>mZo Am¡a ì`mnH$ H$aZo Ho$ {bE H$‘©Mm[a`m| H$mo {d{^Þ à{ejU H$m`©H«$‘m| Ho$ {bE Zm{‘V {H$`m OmVm h¡& ñQ>m’$-gXñ`m| Ho$ kmZ, H$m¡eb Am¡a H$m`©j‘VmAm| ‘| d¥{Õ H$aZo Ho$ {bE df© Ho$ Xm¡amZ à{ejU H$s H$B© nhb| H$s JB© Wt& 120 dm{f©H$ [anmoQ>© 2024-25g§JR>ZmË_H$ {df` àdoe Ho$ g‘` à{ejU g§Mm{bV {H$`o J`o {OZ‘| lr Wm‘g Xod{g`m, gXñ` (J¡a- OrdZ) Ama¡ S>m.° dr. 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A{YH$ {d{Z`m‘H$ EŠgnmoµOa àmá H$a aho h¢& à{VfoY Am¡a à{VVmof) A{Y{Z`‘, 2013 Ho$ Cn~§Ym| Ho$ AZwgma nXmoÞ{V à{H«$`m Am§V[aH$ {eH$m`V g{‘{V H$m nwZJ©R>Z {eH$m`Vm| H$m g‘mYmZ H$aZ o Ed § Cº$ A{Y{Z`‘ ‘ | {ZYm[©aV {d{^Þ Cn~Y§ m | H$o AZnw mbZ IV.2.12 AmB©AmaS>rEAmB© ñQ>m’$ (A{YH$mar Am¡a AÝ` H$mo gw{Z{üV H$aZo Ho$ ^r CÔoí` go H$m`m©b` AmXoe g§X^©… H$‘©Mmar) {d{Z`‘, 2016 Ho$ Cn~§Ym| Ho$ AZwgma, {d{^Þ J«oS>m| AmB©AmaS>rEAmB©/ EMAma/ AmoAmaS>r/ nrB©Ama/163/08/ Ho$ H$‘©Mm[a`m| H$s nXmoÞ{V H$s à{H«$`m OZdar 2025 ‘| àma§^ 2023 {XZm§H$ 28 AJñV 2023 Ho$ Ûmam {H$`m J`m h¡& Bg H$s JB© VWm nmÌ H$‘©Mm[a`m| H$mo loð>Vm Ho$ H«$‘ ‘| AJbo J«oS>m| {df` na EH$ H$m`©embm H$m ^r g§MmbZ {deof ê$n go df© Ho$ ‘| nXmoÞV {H$`m J`m& Xm¡amZ Z`o ^Vu {H$`o J`o A{YH$m[a`m| Ho$ {bE {H$`m J`m h¡& A§Vaamï´>r` ‘{hbm {Xdg ‘ZmZm ‘{hbmAm| H$m H$m`©ñWb na b¢{JH$ CËnr‹S>Z ({ZdmaU, à{VfoY IV.2.13 ì`mdgm{`H$ Am¡a AÝ` joÌm| ‘| ‘{hbm A{YH$m[a`m| Am¡a à{VVmof) A{Y{Z`‘, 2013 Ho$ {Z`‘ 14 Ho$ gmW n{R>V H$s CnbpãY`m| Ho$ {bE CZH$s 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à`moº$m AZw^d Am¡a gwÑ‹T>rH¥$V g‘n©U Ho$ ^mJ Ho$ ê$n ‘| OrE Am¡a EMAma {d^mJ à{V-ßboQ>’$m‘© AZwHy$bVm àXmZ H$aVm h¡& Zo {dÎmr` df© 2024-25 Ho$ Xm¡amZ {ZåZ{bpIV J{V{d{Y`m± àma§^ H$s h¢& • nma§n[aH$ (boJgr) nmoQ>©b go So>Q>m Ho$ A§VaU H$mo nyam {H$`m, Omo A~ ~§X {H$`m J`m h¡& 126 dm{f©H$ [anmoQ>© 2024-25g§JR>ZmË_H$ {df` • {’$`moar nmoQ>©b H$s j‘VmAm| H$m AmJo Am¡a {dñVma H$aZo g{‘{V g§emo{YV {Xem{ZX}em| Ho$ {ZJ©‘ go boH$a àmá Ho$ {bE A{V[aº$ ’$m‘© dV©‘mZ ‘| {dH$mg Ho$ AYrZ h¢& AZw^d Ho$ AmYma na Cº$ T>m±Mo ‘| Cn`wº$ g§emoYZ gwPmVm h¡& Am§V[aH$ AZwà`moJ • g§H$Q>nyU© gyMZm Adg§aMZm (grAmB©AmB©) Ho$ ê$n ‘| IV.4.4 df© Ho$ Xm¡amZ, AmB©AmaS>rEAmB© do~gmBQ>, B§Q´mZoQ>, {d{Z`{‘V g§ñWm àUm{b`m| H$s nhMmZ H$aZo Ho$ {bE gr‘mnma nwZ~u‘m nmoQ>©b H$m Am¡a AÝ` {d^mJm| H$mo g‘W©Z XoZo EZgrAmB©AmB©nrgr (amï´>r` g§H$Q>nyU© gyMZm Adg§aMZm Ho$ {bE AmB©Q>r AZwà`moJm| H$m AZwajU Am¡a g‘W©Z {H$`m g§ajU Ho$ÝÐ) Ho$ gmW K{Zð>Vmnyd©H$ H$m`© H$aZm& J`m& • gmB~a g§H$Q> VH$ ~‹T>Zodmbr gmB~a gwajm KQ>ZmAm|, {d{Z`{‘V g§ñWmAm| Ho$ {bE gyMZm Am¡a gmB~a gwajm Omo àUmbr OmopI‘ CËnÞ H$a gH$Vr h¢, hoVw à{V{H«$`m H$aZo Ho$ {bE {d{Z`{‘V g§ñWmAm| H$m ‘mJ©Xe©Z H$aZo IV.4.5 OrEEÊS>EMAma {d^mJ Zo {d{Z`{‘V g§ñWmAm| H$s Ho$ {bE EH$ g‘{n©V gmB~a g§H$Q> à~§Y g{‘{V gyMZm Am¡a gmB~a gwajm Ho$ {bE {ZåZ{bpIV nhb| H$s h¢ :

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IV.5.1 {dÎmr` df© 2024-25 Ho$ {bE dm{f©H$ boIo V¡`ma • AmB©AmaS>rEAmB© gmB~a gwajm H$mo ‘O~yV H$aZo Ho$ {H$`o J`o VWm BÝh| boIm-narjm Ho$ {bE ^maV Ho$ {Z`§ÌH$ {bE A§Vambm| H$mo nhMmZZo Am¡a CÝh| erK«Vmnyd©H$ nmQ>Zo Am¡a ‘hmboImnarjH$ (grEOr) H$mo àñVwV H$aZo H$s à{H«$`m Ho$ {bE AmB©AmaS>rEAmB© Ho$ bmoH$m{^‘wI Am¡a B§Q´mZoQ> àJ{V na h¡& AZàw `mJo m | H$o {bE N>‘mhr drEnrQ>r (Agaw {jVVm {ZYma© U {dÎmr` df© 2023-24 Ho$ {bE dm{f©H$ boIm| H$s boIm-narjm Am¡a ì`mnZ narjU) Ho$ Am¡a CgHo$ ~mX drEnrQ>r Ho$ grEOr Ûmam H$s JB© h¡ VWm BÝh| g§gX Ho$ XmoZm| gXZm| (bmoH$g^m nwZZ©drH$aU H$m g§MmbZ {H$`m& Am¡a amÁ`g^m) Ho$ g‘j àñVwV H$aZo Ho$ {bE 01.08.2025 • AmB©AmaS>rEAmB© àUm{b`m| Am¡a à{H«$`mAm| ‘| H$mo {dÎm ‘§Ìmb` H$mo AJ«o{fV {H$`m J`m& Agaw {jVVmAm |H$s nhMmZ H$aZ oH$o {bE AmBA© maS>rEAmB© IV.6 Am^ma-àXe©Z Adg§aMZm Ho$ ì`mnH$ gmB~a gwajm g§narjU H$mo g§Mm{bV {H$`m Am¡a CÝh| erK«Vmnyd©H$ Omo‹S> {X`m& IV.6.1 AmB©AmaS>rEAmB©, AmB©AmaS>rEAmB© Ho$ gXñ`m|, ~r‘m gbmhH$ma g{‘{V Ho$ gXñ`m|, nwZ~u‘m gbmhH$ma g{‘{V, • nañna g{H«$` {ejU ßboQ>’$m‘© Ho$ ‘mÜ`‘ go ‘hrZo ^a {dÎmr` godmE± {d^mJ ({dÎm ‘§Ìmb`), nam‘e©XmÌr g{‘{V Ho$ H$m OmJê$H$Vm H$m`©H«$‘ Am`mo{OV H$aZo Ho$ Ûmam Aºy$~a gXñ`m|, g^r ~r‘mH$Vm©Am| Am¡a ‘Ü`d{V©`m| H$mo CZHo$ A‘yë` 2024 H$mo gmB~a gwajm OmJê$H$Vm ‘mh Ho$ ê$n ‘| ‘mJ©Xe©Z Ed§ gh`moJ Ho$ {bE, VWm AmB©AmaS>rEAmB© Ho$ ‘Zm`m& A{YH$m[a`m| Am¡a H$‘©Mm[a`m| H$s gwg§~Õ Q>r‘ H$mo CZHo$ H$V©ì`m| • gmB~a gwajm aUZr{V, {d{YH$ Am¡a AZwnmbZ g§~§Yr Ho$ Hw$eb {Zd©hU Ho$ {bE AnZr gamhZm Am¡a hm{X©H$ H¥$VkVm àým|, KQ>Zm H$mo g§^mbZo, VWm gwajm Am¡a JmonZr`Vm H$m o A{^bIo ~Õ H$aZm MmhVm h&¡ AmBA© maS>rEAmB © OZgmYmaU H$m`©H«$‘ bmJy H$aZo Ho$ g§~§Y ‘| nam‘e© XoZo Ho$ {bE Ho$ gXñ`m|, àog, ì`mdgm{`H$ {ZH$m`m| Am¡a A§Vaamï´>r` ~r‘m ^maVr` So>Q>m gwajm n[afX (S>rEggrAmB©) Ho$ nmg n`©dojH$ g§K (AmB©EAmB©Eg) g{hV AnZr n[afXm| Ho$ ‘mÜ`‘ gXñ`Vm H$m ZdrH$aU {H$`m& go ~r‘m ì`dgm` Ho$ gmW g§~Õ A§Vaamï´>r` EO|{g`m| H$mo ^r g‘`-g‘` na {X`o J`o CZHo$ A‘yë` gh`moJ Ho$ {bE AnZo • gmB~a ñdmñÏ`-{dkmZ Am¡a gdm}Îm‘ àWmAm| Ho$ g§~§Y {deof Am^ma A{^{bpIV H$aVm h¡& ‘| AmB©AmaS>rEAmB© H$‘©Mm[a`m| H$s OmJê$H$Vm ‘| gwYma 128 dm{f©H$ [anmoQ>© 2024-25{ddaU{ddaU H$WZ 1 ~r_m n¡R> H$s A§Vam©ï´>r` VwbZm (à{VeV _|) H«$.g§. Xoe* 2023 2024 OrdZ J¡a-OrdZ Hw$b OrdZ J¡a-OrdZ Hw$b A_o[aH$m 1 `yEgE 2.6 9.3 11.9 2.7 9.4 12.1 2 H$ZmS>m 3.3 4.7 8.0 3.3 4.8 8.1 3 ~«m{µOb 2.1 1.8 3.9 2.2 1.9 4.1 4 ‘opŠgH$mo 1.1 1.4 2.5 1.2 1.5 2.7 5 AO]Q>rZm 0.2 1.3 1.5 0.3 2.0 2.3 `yamon-‘Ü` nyd©-A’«$sH$m 6 X{jU Aµ’«$sH$m 9.2 2.3 11.5 9.6 2.4 12.1 7 `yHo$ 7.1 2.6 9.7 9.2 2.6 11.8 8 ñdrS>Z 5.7 1.7 7.4 6.8 1.8 8.6 9 ’«$m§g 5.5 3.2 8.7 6.5 3.1 9.6 10 ZrXab¢S> 1.2 7.2 8.3 1.1 7.0 8.1 11 BQ>br 4.9 2.2 7.1 5.4 2.2 7.6 12 pñdQ²µOab¢S> 2.9 4.0 6.9 2.7 4.0 6.7 13 O‘©Zr 2.1 3.4 5.5 2.1 3.6 5.7 14 ñnoZ 2.5 2.8 5.3 2.0 2.7 4.7 15 Q>H$r© 0.2 1.5 1.7 0.2 1.6 1.8 16 gD$Xr Aa~ 0.1 1.6 1.7 0.2 1.7 1.9 17 ê$g 0.4 0.7 1.1 1.0 0.7 1.7 E{e`m àem§V 18 VmBdmZ 7.1 3.2 10.3 7.5 3.2 10.6 19 X{jU H$mo[a`m 5.0 6.0 11 4.2 5.3 9.4 20 qgJmnwa 7.4 1.8 9.2 6.5 1.7 8.2 21 OmnmZ# 6.8 2.1 8.9 6.4 2.0 8.5 22 WmB©b¢S> 3.4 1.9 5.3 2.7 2.3 5.1 23 ‘bo{e`m 3.7 1.4 5.2 3.8 1.5 5.3 24 Am°ñQ´o{b`m 0.9 3.3 4.2 0.6 3.6 4.2 25 ^maV# 2.8 1.0 3.7 2.7 1 3.7 26 MrZ 2.1 1.8 3.9 2.4 1.9 4.2 27 Ý`yµOrb¢S> 0.4 3.2 3.6 0.4 3.1 3.5 28 B§S>moZo{e`m 0.8 0.6 1.3 0.7 0.6 1.3 29 nm{H$ñVmZ 0.5 0.3 0.7 0.4 0.2 0.7 {dœ 2.9 4.2 7.0 3.0 4.3 7.3 * Am§H$‹S>o H¡$b|S>a df© 2023 Am¡a 2024 go g§~§{YV h¢ # Am§H$‹S>o {dÎmr` df© 2023-24 Am¡a 2024-25 go g§~§{YV h¢ ZmoQ>: ~r‘m n¡R> H$mo àr{‘`‘ (A‘o[aH$s S>m°ba ‘|) Am¡a gH$b Kaoby CËnmX (A‘o[aH$s S>m°ba ‘|) Ho$ AZwnmV Ho$ ê$n ‘| ‘mnm OmVm h¡& òmoV: pñdg [a B§ñQ>rQ>çyQ> {g½‘m g§»`m 3/2024 Am¡a 2/2025 Annual Report 2024-25 131{ddaU H$WZ 2 ~r_m KZÝËd> H$s A§Vam©ï´>r` VwbZm (¶yEgS>r _|) H«$.g§. Xoe* 2023 2024 OrdZ J¡a-OrdZ Hw$b OrdZ J¡a-OrdZ Hw$b A_o[aH$m 1 `yEgE 2,136 7,504 9,640 2,300 7,995 10,295 2 H$ZmS>m 1,759 2,507 4,267 1,809 2,580 4,389 3 ~«m{µOb 207 183 390 226 193 420 4 AO]Q>rZm 35 190 225 35 275 309 5 ‘opŠgH$mo 154 197 351 174 213 387 `yamon-‘Ü` nyd©-A’«$sH$m 6 pñdQ²µOab¢S> 2,832 3,998 6,830 2,833 4,147 6,980 7 ñdrS>Z 3,202 983 4,185 3,936 1,039 4,975 8 `yHo$ 3,466 1,294 4,759 4,827 1,359 6,185 9 ZrXab¢S> 724 4,492 5,216 715 4,771 5,486 10 ’«$m§g 2,431 1,435 3,867 3,011 1,420 4,432 11 O‘©Zr 1,106 1,804 2,910 1,158 1,993 3,151 12 BQ>br 1,878 830 2,708 2,155 898 3,053 13 ñnoZ 835 909 1,744 704 965 1,669 14 X{jU Aµ’«$sH$m 577 141 718 605 151 756 15 gD$Xr Aa~ 19 454 472 60 535 595 16 Q>H$r© 27 197 224 34 242 276 17 ê$g 57 98 155 145 97 241 E{e`m àem§V 18 qgJmnwa 6,264 1,536 7,799 5,923 1,545 7,468 19 VmBdmZ 2,285 1,022 3,307 2,539 1,075 3,614 20 X{jU H$mo[a`m 1,635 1,968 3,603 1,501 1,894 3,395 21 Am°ñQ´o{b`m 584 2,174 2,759 380 2,381 2,762 22 OmnmZ# 2,245 693 2,938 2,084 654 2,738 23 Ý`yµOrb¢S> 205 1,533 1,738 201 1,487 1,688 24 ‘bo{e`m 425 165 590 448 175 623 25 MrZ 274 234 508 313 245 558 26 WmB©b¢S> 244 140 384 201 170 371 27 ^maV# 70 25 95 72 25 97 28 B§S>moZo{e`m 38 28 66 36 30 66 29 nm{H$ñVmZ 7 4 11 7 4 11 {dœ 361 528 889 388 555 943 * Am§H$‹S>o H¡$b|S>a df© 2023 Am¡a 2024 go g§~§{YV h¢ # Am§H$‹S>o {dÎmr` df© 2023-24 Am¡a 2024-25 go g§~§{YV h¢ ZmoQ>: ~r‘m KZËd H$mo àr{‘`‘ (A‘o[aH$s S>m°ba ‘|) Am¡a OZg§»`m Ho$ AZwnmV Ho$ ê$n ‘| ‘mnm OmVm h¡ òmoV: pñdg [a B§ñQ>rQ>çyQ> {g½‘m g§»`m 3/2024 Am¡a 2/2025 132 Annual Report 2024-25{ddaU H$WZ 3 OrdZ ~r_mH$Vm©Am| Ûmam {bpIV àr{_`_ (< H$amo‹S> _|) H«$.g§. ~r_m H§$nZr 2023-24 2024-25 1 EH$mo bmB’$ B§í`moa|g {b{‘Q>oS 36.52 64.05 2 Am{XË` {~‹S>bm gZ bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> 17,260.12 20,638.77 3 E{O`mg ’o$S>ab bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> 2,697.37 3,072.74 4 Adrdm bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> 1,346.86 1,306.77 5 ~OmO Am{b`m§O bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> 23,043.04 27,160.06 6 ~§YZ bmB’$ B§í`moa|g {b{‘Q>oS> 430.91 512.28 7 ^maVr EŠgm bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> 2,908.30 2,979.95 8 Ho$Zam EMEg~rgr bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> 7,128.70 8,027.46 9 H«o${S>Q> EŠgog bmB’$ B§í`moa|g {b{‘Q>oS> 97.00 192.97 10 ES>bdmBg Q>mo{H$`mo bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> 1,932.09 2,092.99 11 â`yMa OoZoabr B§{S>`m bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> 1,810.54 2,510.85 12 Jmo {S>{OQ> bmB’$ B§í`moa|g {b{‘Q>oS> 426.36 1,069.41 13 EMS>rE’$gr bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> 63,076.48 71,044.91 14 AmB©grAmB©grAmB© àyS|>{e`b bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> 43,235.64 48,950.71 15 B§{S>`m’$ñQ>© bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> 6,973.83 7,218.09 16 H$moQ>H$ ‘qhÐm B§í`moa|g H§$nZr {b{‘Q>oS> 17,708.38 18,375.66 17 Eop³gg ‘¡Šg bmB’$ B§í`moa|g {b{‘Q>oS> 29,528.97 33,222.60 18 nrEZ~r ‘oQ>bmB’$ bmB’$ B§{S>`m B§í`moa|g H§$nZr {b{‘Q>oS> 9,732.28 11,752.39 19 àm‘o[aH$m bmB’$ B§í`moa|g {b{‘Q>oS> 1,919.38 2,074.43 20 [abm`§g {Zßnm°Z bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> 5,536.90 5,710.68 21 ghmam B§{S>`m bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> $ $ 22 Eg~rAmB© bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> 81,430.64 84,984.63 23 lram‘ bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> 3,507.54 4,216.42 24 ñQ>ma `y{Z`Z XmB©-BMr bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> 6,717.87 8,260.38 25 Q>mQ>m EAmB©E bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> 25,691.82 31,483.60 {ZOr Hw$b 3,54,177.54 3,96,922.81 (15.05) (12.07) 26 ^maVr` OrdZ ~r‘m {ZJ‘** 4,75,751.92 4,88,848.92 (0.23) (2.75) CÚmoJ Hw$b 8,29,929.46 8,85,771.73 (6.06) (6.73) ZmoQ>: H$moð>H$ ‘| {XE JE Am§H$‹S>o {nN>bo df© H$s VwbZm ‘| à{VeV ‘| d¥{Õ Xem©Vo h¢²& $ ghmam B§{S>`m bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> (EgAmB©EbAmB©gr) H$m OrdZ ~r‘m ì`dgm` AmB©AmaS>rEAmB© Ûmam AnZo {XZm§H$ 02.06.2023 Ho$ AmXoe Ho$ VhV Eg~rAmB© bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> (Eg~rAmB© bmB’$) H$mo hñVm§V[aV {H$`m Om ahm h¡ Am¡a {dÎmr` df© 2023-24 Am¡a 2024-25 Ho$ {bE Cnamoº$ Am§H$‹S>m|/gyMZm ‘| EgAmB©EbAmB©gr go g§~§{YV Am§H$‹S>o/gyMZm em{‘b Zht h¡& **EbAmB©gr Ho$ g§~§Y ‘|, àr{‘`‘ Ho$ Am§H$‹S>m| ‘| ^maV Ho$ ~mha Ho$ H$mamo~ma go 398.15 H$amo‹S> ({nN>bo df© 476.25 H$amo‹S>) em{‘b h¢²& Annual Report 2024-25 133{ddaU 134 Annual Report 2024-25 4 ZW$H ‘`‘{rà >SŠbq-Z°mZ a¡mA >SŠbq m$H |mA©mV$Hm‘r~ ZdrO Eb{ $oH 52-4202 )|_ >S‹oma$H<( _`_{rà b$wH _`_{rà Õ~§gA _`_{rà Õ~§g rZn$§H m_r~ b$wH Ua$HrZrdZ m`Z b$HE _Wà b$wH Ua$HrZrdZ m`Z b$HE _Wà b$wH Ua$HrZrdZ m`Z b$HE _Wà ‘¶‘{rà ¶mgd¶ì ©fd _`_{rà `mgd`ì ©fd _`_{rà `mgd`ì ©fd ©fd _Wà( ©fd _Wà( ©fd _Wà( )b$HE + )b$HE + )b$HE +

50.46

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56.36

82.06

63.3

50.46

14.0

56.36

82.06

63.3 - - - - - >So>Q‘{b{ g|aom`í§B $’Bmb om$HE

77.836,02

69.814,01

18.912,01

43.069,5

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26.181,51

36.114,8

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15.669,3

84.308,2

51.754,5

33.700,2

28.944,3

38.399,1

99.554,1 >So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb Zg mb>S‹~{ `ËX{mA

47.270,3

84.437,1

62.833,1

49.265

23.577

16.260,2

95.323,1

20.937

69.923

60.904

31.010,1

98.014

42.995

89.232

62.663 >So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb ba>S$o’ gm`O{E

77.603,1

01.200,1

76.403

75.93

01.562

21.548

56.696

84.841

01.53

83.311

56.164

64.503

91.651

84.4

17.151 >So>Q‘{b{ m`>S{§B rZn$§H g|aom`í§B $’Bmb mdrdA

60.061,72

12.768,41

58.292,21

08.092,5

50.200,7

87.250,81

63.636,9

24.614,8

18.785,4

26.828,3

82.701,9

58.032,5

34.678,3

99.207

34.371,3 >So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb O§m`b{mA OmO~

82.215

06.972

86.232

81.66

05.661

11.604

41.532

69.071

13.46

56.601

81.601

64.44

27.16

78.1

58.95 >So>Q‘{b{ g|aom`í§B $’Bmb ZY§~

59.979,2

92.832,2

66.147

18.921

58.116

92.006,2

27.120,2

75.875

76.09

09.784

56.973

75.612

80.361

41.93

59.321 >So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb mgŠE rVam^

64.720,8

39.509,4

45.121,3

18.749

27.371,2

82.011,5

86.712,3

06.298,1

96.839

19.359

81.719,2

42.886,1

39.822,1

21.9

28.912,1 >So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb rgr~gEME maZ$oH

79.291 -

79.291

59.291

20.0

79.291 -

79.291

59.291

20.0 - - - - - >So>Q‘{b{ g|aom`í§B $’Bmb gogŠE>Q>S{$o«H

89.290,2

19.584,1

80.706

98.33

91.375

03.217,1

56.942,1

56.264

62.61

93.644

96.083

62.632

24.441

36.71

97.621 >So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb om`$H{om>Q gBmdb>SE

58.015,2

42.813,1

16.291,1

36.25

89.931,1

52.833,2

65.532,1

96.201,1

31.91

65.380,1

16.271

96.28

29.98

05.33

24.65 >So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb m`>S{§B rbaZO aMy`â

14.960,1

06.0

18.860,1

22.989

95.97

14.960,1

06.0

18.860,1

22.989

95.97 - - - - - >So>Q‘{b{ g|aom`í§B $’Bmb >QO{>S{ omJ

19.440,17

16.976,73

03.563,33

32.983,02

70.679,21

45.303,15

59.856,72

95.446,32

22.606,51

73.830,8

73.147,91

66.020,01

17.027,9

00.387,4

07.739,4 >So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb rg$’Er>SME

17.059,84

61.027,52

55.032,32

99.511,51

65.411,8

37.678,42

88.861,21

58.707,21

03.553,9

55.253,3

89.370,42

82.155,31

07.225,01

96.067,5

10.267,4 >So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb b`e{>|Syà ©BmArg©BmArg©BmA

90.812,7

87.442,4

03.379,2

92.755,1

20.614,1

34.783,5

26.690,3

08.092,2

83.653,1

24.439

66.038,1

61.841,1

05.286

09.002

06.184 >So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb ©>Qñ$’m`>S{§B

66.573,81

92.161,01

73.412,8

97.385,3

95.036,4

03.278,31

34.854,8

78.314,5

81.269,2

96.154,2

63.305,4

68.207,1

05.008,2

06.126

09.871,2 >So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb mÐhq‘ $H>Qom$H

06.222,33

20.940,12

85.371,21

50.479,3

35.991,8

81.629,32

28.706,51

63.813,8

99.288,3

73.534,4

24.692,9

02.144,5

22.558,3

60.19

61.467,3 >So>Q‘{b{ g|aom`í§B $’Bmb gŠ¡‘ ggŠpE

93.257,11

53.750,7

40.596,4

12.813,2

38.673,2

83.854,8

58.476,5

35.387,2

73.474,1

71.903,1

10.492,3

05.283,1

15.119,1

58.348

76.760,1 >So>Q‘{b{ rZn$§H g|aom`í§B m`>S{§B $’Bmb>Qo‘ r~ZErn

34.470,2

76.148

77.232,1

72.189

94.152

63.800,2

81.808

81.002,1

33.879

58.122

80.66

94.33

95.23

59.2

46.92 >So>Q‘{b{ g|aom`í§B $’Bmb m$Ha[o‘mà

86.017,5

40.664,4

46.442,1

19.56

37.871,1

71.836,4

71.986,3

00.949

20.15

89.798

15.270,1

78.677

46.592

09.41

47.082 >So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb Z°mnßZ{ g§`mba[ - - - - - - - - - - - - - - - $>So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb m`>S{§B mamhg

36.489,48

97.704,94

48.675,53

22.502,61

26.173,91

36.354,83

24.423,91

12.921,91

53.400,31

58.421,6

00.135,64

73.380,03

36.744,61

68.002,3

77.642,31 >So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb ©BmAr~gE

24.612,4

81.939,1

42.772,2

92.966

59.706,1

85.100,4

41.878,1

34.321,2

51.136

82.294,1

58.412

40.16

18.351

31.83

76.511 >So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb ‘marl

83.062,8

78.369,3

15.692,4

80.355,2

34.347,1

52.478,6

17.743,3

55.625,3

97.994,2

57.620,1

21.683,1

61.616

69.967

92.35

76.617 >So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb rMB-©BmX Z`Z{y` am>Qñ

06.384,13

68.161,12

47.123,01

38.622,1

19.490,9

42.132,02

62.482,51

79.649,4

87.847

02.891,4

63.252,11

06.778,5

77.473,5

50.874

27.698,4 >So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb E©BmAE m>Qm>Q

18.229,69,3

53.449,52,2

74.879,07,1

85.669,28

98.110,88

85.766,35,2

14.620,54,1

71.146,80,1

77.148,36

14.997,44

32.552,34,1

49.719,08

92.733,26

18.421,91

84.212,34 b$wH rOZ{

29.848,88,4

44.360,26,2

84.587,62,2

01.067,98,1

83.520,73

55.669,27,4

87.216,85,2

77.353,41,2

67.840,97,1

10.503,53

73.288,51

76.054,3

17.134,21

43.117,01

73.027,1 **‘JZ{ m‘r~ ZdrO `rVam^

37.177,58,8

97.700,88,4

49.367,79,3

86.627,27,2

62.730,52,1

31.436,62,7

91.936,30,4

49.499,22,3

35.098,24,2

14.401,08

06.731,95,1

06.863,48

00.967,47

51.638,92

58.239,44 b$wH JomÚC $oH 52-4202 ©fd mÎd{ a¡mA ¡h mVmO m`$H{ Va[V§mVñh om$H )$’Bmb ©BmAr~gE( >So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb ©BmAr~gE VhV $oH

3202.60.20 $H§mZX{ eoXmA oZnA mamÛ ©BmAEr>SamA©BmA am~omam$H m‘r~ ZdrO m$H )rg©BmAbE©BmAgE( >So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb m`>S{§B mamhg $ &¡h thZ b‘{me mZMyg/m>Q>oS VY{§~§g og rg©BmAbE©BmAgE |‘ mZMyg/m>Q>oS $ºomanC Eb{ &²¢h b‘{me o`né >S‹oma$H

51.893 og am~omam$H $oH ahm~ $oH Vam^ |‘ o>S‹$H§mA ‘`‘{rà ,|‘ Y§~§g $oH rg©BmAbE**{ddaU Annual Report 2024-25 135 5 ZW$H _`_{rà b$wH amd>S§I m$H |mA©mV$Hm‘r~ ZdrO Eb{ $oH 52-4202 )|_ >S‹oma$H <( )hy_g a¡mA $H$º{`¡d( Õ~§g |mZomX rJm^hg Vh{a ^mb am$Hà VeV{à Jom` b$wH b$wH b$HE Ua$HrZrdZ ©fd _Wà b$wH b$HE Ua$HrZrdZ ©fd _Wà - - - - - - - - - - s$H©f{md

52.0

92.304 - - - -

92.304 -

88.371

14.922 `Ïñmdñ

65.98

04.915,24,1

65.0 -

58.815,24,1

59.933,72

94.633,37

14.248,14 ZdrO

91.01

09.412,61

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88.412,61

02.694,2

56.758,01

30.168,2 Ze|n - - - - - - - - - - `ÝA

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06.731,95,1

85.0 -

20.731,95,1

51.638,92

20.863,48

58.239,44 b$wH )hy_g a¡mA $H$º{`¡d( Õ~§gA |mZomX rJm^hg Vh{a ^mb am$Hà VeV{à Jom` b$wH b$wH b$HE Ua$HrZrdZ ©fd _Wà b$wH b$HE Ua$HrZrdZ ©fd _Wà

63.5

84.629,83

68.1 -

26.429,83

31.786,03

71.886,4

23.945,3 s$H©f{md

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31.205

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20.72 `Ïñmdñ

97.87

29.635,27,5

07.142,93,3

38.016,4

11.750,79,2

77.375,73

12.592,33,2

36.218,89

24.271,89

61.013,63 ZdrO

24.51

14.320,21,1

84.092,1

92.8

58.449

53.733

39.237,01,1

26.953,60,1

12.042,2

11.331,2 Ze|n

63.0

91.546,2

15.311

27.11

87.42

00.77

96.135,2

37.593,2

62.93

07.69 `ÝA

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31.436,62,7

55.746,04,3

48.036,4

06.820,89,2

21.889,73

85.689,58,3

96.952,83,2

95.016,50,1

03.611,24 b$wH )hy_g a¡mA $H$º{`¡d( Õ~§gA a¡mA Õ~§g |mZomX rJm^hg Vh{a ^mb am$Hà VeV{à Jom` b$wH b$wH b$HE Ua$HrZrdZ ©fd _Wà b$wH b$HE Ua$HrZrdZ ©fd _Wà

93.4

84.629,83

68.1 -

26.429,83

31.786,03

71.886,4

23.945,3 s$H©f{md

01.0

24.509 - - - -

24.509

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04.446

34.652 `Ïñmdñ

37.08

23.650,51,7

62.242,93,3

38.016,4

66.750,79,2

77.375,73

60.418,57,3

75.251,62,1

19.805,17,1

75.251,87 ZdrO

84.41

23.832,82,1

05.092,1

92.8

78.449

53.733

18.749,62,1

18.558,80,1

68.790,31

41.499,4 Ze|n

03.0

91.546,2

15.311

27.11

87.42

00.77

96.135,2

37.593,2

62.93

07.69 `ÝA

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37.177,58,8

31.846,04,3

48.036,4

81.920,89,2

21.889,73

06.321,54,5

38.590,86,2

16.879,98,1

51.940,78 b$wH rZn$§H g|aom`í§B $’Bmb ©BmAr~gE VhV $oH

3202.60.20 $H§mZX{ eoXmA oZnA mamÛ ©BmAEr>SamA©BmA am~omam$H m‘r~ ZdrO m$H )rg©BmAbE©BmAgE( >So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb m`>S{§B mamhg :>QomZ &¡h thZ b‘{me mZMyg/m>Q>oS VY{§~§g og rg©BmAbE©BmAgE |‘ mZMyg/m>Q>oS $ºomanC Eb{ $oH 52-4202 ©fd mÎd{ a¡mA ¡h mVmO m`$H{ Va[V§mVñh om$H )$’Bmb ©BmAr~gE( >So>Q‘{b{{ddaU H$WZ 6 OrdZ ~r‘mH$Vm©Am| H$s B{¹$Q>r eo`a ny§Or (< H$amo‹S> _|) H«$. ~r_m H§$nZr 31 _mM© df© Ho$ Xm¡amZ 31 _mM© ^maVr` {dXoer {dXoer g§. 2024 VH$ Amgd 2025 VH$ à_moQ>a/ à_moQ>a/ {Zdoe % {ZdoeH$ {ZdoeH$ 1 EH$mo bmB’$ B§í`moa|g {b{‘Q>oS>. 140.05 - 140.05 140.05 - - 2 Am{XË` {~‹S>bm gZ bmB’$ B§í`moa|g H§$.{b. 1,986.51 33.08 2,019.59 1,029.99 989.60 49.00 3 E{O`mg ’o$S>ab bmB’$ B§í`moa|g H§$.{b. 800.00 - 800.00 208.00 592.00 74.00 4 Adrdm bmB’$ B§í`moa|g H§$.{b. 2,189.90 - 2,189.90 569.37 1,620.53 74.00 5 ~OmO Am{b`m§O bmB’$ B§í`moa|g H§$.{b. 150.71 - 150.71 111.53 39.18 26.00 6 ~§YZ bmB’$ B§í`moa|g {b. 1,842.73 444.99 2,287.72 2,287.72 0.00 0.00 7 ^maVr EŠgm bmB’$ B§í`moa|g H§$nZr H§$.{b. 3,841.20 102.00 3,943.20 3,943.20 - - 8 Ho$Zam EMEg~rgr bmB’$ B§í`moa|g H§$.{b. 950.00 - 950.00 703.00 247.00 26.00 9 H«o${S>Q> EŠgog bmB’$ B§í`moa|g {b{‘Q>oS>. 168.00 - 168.00 43.68 124.32 74.00 10 ES>bdmBg Q>mo{H$`mo bmB’$ B§í`moa|g H§$.{b. 915.55 199.08 1,114.63 886.51 228.12 20.47 11 â`yMa OZabr B§{S>`m bmB’$ B§í`moa|g H§$.{b. 2,599.32 - 2,599.32 675.86 1,923.46 74.00 12 Jmo {S>{OQ> bmB’$ B§í`moa|g {b{‘Q>oS>. 121.19 92.01 213.20 119.04 94.16 44.17 13 EMS>rE’$gr bmB’$ B§í`moa|g H§$.{b. 2,150.94 2.05 2,152.99 1,612.54 540.45 25.10 14 AmB©grAmB©grAmB© àyS|>{e`b bmB’$ B§í`moa|g H§$.{b. 1,440.62 4.70 1,445.32 904.88 540.44 37.39 15 B§{S>`m’$ñQ>© bmB’$ B§í`moa|g H§$.{b. 754.37 0.22 754.59 558.45 196.14 25.99 16 H$moQ>H$ ‘qhÐm B§í`moa|g H§$.{b. 510.29 - 510.29 510.29 - - 17 Ep³gg ‘¡Šg bmB’$ B§í`moa|g {b. 1,918.81 142.58 2,061.39 2,061.39 - - 18 nrEZ~r ‘oQ>bmB’$ bmB’$ B§{S>`m B§í`moa|g H§$.{b. 2,012.88 - 2,012.88 1,028.27 984.61 48.92 19 àm‘o[aH$m bmB’$ B§í`moa|g {b. 374.06 - 374.06 190.77 183.29 49.00 20 [abm`§g {Zßnm°Z bmB’$ B§í`moa|g H§$.{b. 1,196.32 - 1,196.32 610.12 586.20 49.00 21 ghmam B§{S>`m bmB’$ B§í`moa|g H§$.{b. 232.00 - 232.00 232.00 - - 22 Eg~rAmB© bmB’$ B§í`moa|g H§$.{b. 1,001.46 0.68 1,002.14 766.35 235.79 23.53 23 lram‘ bmB’$ B§í`moa|g H§$.{b.** 179.17 1.21 180.38 126.50 53.88 29.87 24 ñQ>ma `y{Z`Z XmB©-BMr bmB’$ B§í`moa|g H§$.{b. 338.96 18.28 357.24 187.84 169.40 47.42 25 Q>mQ>m EAmB©E bmB’$ B§í`moa|g H§$.{b. 2,933.50 1,600.00 4,533.50 2,312.08 2,221.42 49.00 {ZOr Hw$b 30,748.55 2,640.87 33,389.42 21,819.43 11,569.99 34.65 26 ^maVr` OrdZ ~r‘m {ZJ‘ 6,325.00 - 6,325.00 6,315.75 9.25 0.15 Hw$b 37,073.55 2,640.87 39,714.42 28,135.18 11,579.24 29.16 **AmB©AmaS>rEAmB© Zo ~r‘mH$Vm© Ûmam AnZo eo`aYm[aVm n¡Q>Z© ‘| {H$E JE n[adV©Zm| H$mo ‘§Oyar Zht Xr h¡ Am¡a ‘m‘bm 31.03.2025 VH$ Ý`m`mb` ‘| {dMmamYrZ h¡& 136 Annual Report 2024-25{ddaU H$WZ 7 gmYmaU Ed§ ñdmñÏ` ~r‘mH$Vm©Am| H$m gH$b àË`j àr{_`_ (^maV Ho$ ^rVa Ed§ ~mha) (< H$amo‹S> _|) ~r_m H§$nZr 2023-24 2024-25 {ZOr joÌ Ho$ ~r‘mH$Vm© EH$mo OZab B§í`moa|g {b{‘Q>oS> 1,870.28 2,064.67 ~OmO Am{b`m§O OZab B§í`moa|g H§$nZr {b{‘Q>oS> 20,472.68 21,416.80 Mmobm‘§S>b‘ E‘Eg OZab B§í`moa|g H§$nZr {b{‘Q>oS> 7,532.89 8,124.30 â`yMa OZabr B§{S>`m B§í`moa|g H§$nZr {b{‘Q>oS> 4,910.90 5,408.16 Jmo {S>{OQ> OZab B§í`moa|g {b{‘Q>oS> 7,941.09 8,472.16 EMS>rE’$gr EJm} OZab B§í`moa|g H§$nZr {b{‘Q>oS> 18,567.56 15,817.29 AmB©grAmB©grAmB© bmoå~mS©> OZab B§í`moa|g H§$nZr {b{‘Q>oS> 24,776.11 26,833.36 B’$H$mo Q>mo{H$`mo OZab B§í`moa|g H§$nZr {b{‘Q>oS> 9,835.08 8,312.34 jo‘m OZab B§í`moa|g {b{‘Q>oS> 568.50 771.46 {b~Q>u OZab B§í`moa|g {b{‘Q>oS> 2,155.03 2,246.44 ‘¡½‘m OZab B§í`moa|g {b{‘Q>oS> 3,044.19 3,334.40 Zdr OZab B§í`moa|g {b{‘Q>oS> 70.48 99.53 ahoOm Š`y~rB© OZab B§í`moa|g H§$nZr {b{‘Q>oS> 295.89 353.22 [abm`§g OZab B§í`moa|g H§$nZr {b{‘Q>oS> 11,688.82 12,548.37 am°`b gw§Xa‘ OZab B§í`moa|g H§$nZr {b{‘Q>oS> 3,637.10 3,763.18 Eg~rAmB© OZab B§í`moa|g H§$nZr {b{‘Q>oS> 12,553.57 13,889.65 lram‘ OZab B§í`moa|g H§$nZr {b{‘Q>oS> 3,036.05 3,753.38 Q>mQ>m EAmB©Or OZab B§í`moa|g H§$nZr {b{‘Q>oS> 15,090.90 17,702.83 `y{Zdg©b gmoånmo OZab B§í`moa|g H§$nZr {b{‘Q>oS> 4,622.19 5,078.45 µOyZmo OZab B§í`moa|g H§$nZr {b{‘Q>oS> 833.80 992.30 Á`y[aI H$moQ>H$ OZab B§í`moa|g H§$nZr (B§{S>`m) {b{‘Q>oS> 1,587.11 1,915.37 {ZOr joÌ H$s ~r‘m H$ån{Z`m± Hw$b 1,55,090.19 1,62,897.68

17.54% 5.03% gmd©O{ZH$ joÌ Ho$ ~r‘mH$Vm© ZoeZb B§í`moa|g H§$nZr {b{‘Q>oS> 15,180.29 16,833.47 Ý`y B§{S>`m Eí`moa|g H§$nZr {b{‘Q>oS> 40,363.83 41,992.21 Amo[aE§Q>b B§í`moa|g H§$nZr {b{‘Q>oS> 18,794.13 20,327.48 `yZmBQ>oS> B§{S>`m B§í`moa|g H§$nZr {b{‘Q>oS> 19,852.96 20,072.15 gmd©O{ZH$ joÌ H$s ~r‘m H$ån{Z`m± Hw$b 94,191.20 99,225.31

9.11% 5.34% {d{eï> ~r‘mH$Vm© EJ«rH$ëMa B§í`moa|g H§$nZr Am°’$ B§{S>`m {b{‘Q>oS> 9,940.58 9,741.57 BgrOrgr {b{‘Q>oS>. 1,270.77 1,366.53 {d{eï> ~r‘mH$Vm© Hw$b 11,211.34 11,108.10 -29.12% -0.92% ñQ>¢S>AbmoZ ñdmñÏ` ~r‘mH$Vm© Am{XË` {~‹S>bm hoëW B§í`moa|g H§$nZr {b{‘Q>oS> 3,701.32 4,821.70 Ho$`a hoëW B§í`moa|g {b{‘Q>oS>. 6,864.46 8,318.25 J¡boŠgr hoëW E§S> EbmBS> B§í`moa|g H§$nZr {b{‘Q>oS> - 16.95 ‘{Unmb{g¾m hoëW B§í`moa|g H§$nZr {b{‘Q>oS> 1,691.49 1,797.56 Zmam`U hoëW B§í`moa|g {b{‘Q>oS> - 2.37 {Zdm ~ynm hoëW B§í`moa|g H§$nZr {b{‘Q>oS>. 5,607.57 6,762.23 [abm`§g hoëW B§í`moa|g {b{‘Q>oS># - - ñQ>ma hoëW E§S> EbmBS> B§í`moa|g H§$nZr {b{‘Q>oS> 15,254.45 16,716.20 ñQ>¢S>AbmoZ ñdmñÏ` ~r‘mH$Vm© Hw$b 33,119.30 38,435.25

26.20% 16.05% Hw$b `moJ 2,93,612.04 3,11,666.33

12.79% 6.15% {Q>ßnUr: à{VeV ‘| {XE JE Am§H$‹S>o {nN>bo df© H$s VwbZm ‘| à{VeV d¥{Õ Xem©Vo h¢²& ~r‘mH$Vm© Ûmam {nN>bo df© Ho$ Am§H$‹S>m| ‘| nwZd©JuH$aU/nwZJ©R>Z, `{X H$moB© hmo, na {dMma Zht {H$`m J`m h¡& #[abm`§g OZab B§í`moa|g Ûmam [abm`§g hoëW B§í`moa|g nmoQ>©’$mo{b`mo H$m A{YJ«hU Annual Report 2024-25 137{ddaU 138 Annual Report 2024-25 8 ZW$H )aVr^ $oH Vam^( `mA _`_{rà j`Ëà b$Hg amd>S§I s$H |mA©mV$Hm‘r~ `Ïñmdñ §dE UamYmg )|_ >S‹oma$H <( b$wH `ÝA mÌm`+Ern + `Ïñmdñ a>Qom_ rÐw_g ¾{A rZn$H§ m_r~ 52-4202 42-3202 52-4202 42-3202 52-4202 42-3202 52-4202 42-3202 52-4202 42-3202 52-4202 42-3202 ©mV$Hm‘r~ $oH Ìoj rOZ{

76.460,2

82.078,1

46.721

16.141

60.039

90.898

69.600,1

85.038 - -

00.0 - >So>Q‘{b{ g|aom`í§B baZO om$HE

18.614,12

86.274,02

23.151,4

38.689,4

26.240,8

79.249,6

99.933,6

87.748,5

94.383

41.003

93.994,2

59.493,2 >So>Q‘{b{ rZn$§H g|aom`í§B baZO O§m`b{mA OmO~

03.421,8

98.235,7

15.337

02.916

79.551,1

61.401,1

44.724,5

35.369,4

47.541

80.131

46.166

29.417 >So>Q‘{b{ rZn$§H g|aom`í§B baZO gE‘E ‘b>S§‘mbomM

61.804,5

09.019,4

95.700,1

24.678

36.858,1

02.826,1

76.238,1

46.047,1

93.721

82.411

88.185

63.155 >So>Q‘{b{ rZn$§H g|aom`í§B m`>S{§B rbaZO aMy`â

61.274,8

90.149,7

15.644

89.933

39.526,1

16.506,1

33.468,5

72.174,5

34.15

82.73

69.384

59.684 >So>Q‘{b{ g|aom`í§B baZO >QO{>S{ omJ

92.718,51

65.765,81

64.537,4

37.177,4

67.990,6

61.835,6

17.360,3

53.572,5

73.951

63.681

99.857,1

69.597,1 >So>Q‘{b{ rZn$§H g|aom`í§B baZO }mJE rg$’Er>SME

87.277,62

11.677,42

00.273,4

36.398,3

76.536,7

47.611,7

38.937,01

56.336,9

18.188

77.367

74.341,3

23.863,3 >So>Q‘{b{ rZn$§H g|aom`í§B baZO >©Sm~åomb ©BmArg©BmArg©BmA

43.213,8

80.538,9

57.040,2

63.245,2

07.409

30.646,1

86.961,4

52.173,4

72.223

24.503

59.478

20.079 >So>Q‘{b{ rZn$§H g|aom`í§B baZO om`$H{om>Q om$H$’B

64.177

05.865

54.177

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44.642,2

30.551,2

13.421

24.421

95.473

90.633

42.166,1

17.975,1

25.62

63.53

77.95

44.97 >So>Q‘{b{ g|aom`í§B baZO u>Q~b{

04.433,3

91.440,3

45.531

69.601

77.247

85.115

10.860,2

35.370,2

66.15

89.83

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41.313 >So>Q‘{b{ rZn$§H g|aom`í§B baZO m‘½¡‘

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84.07 - -

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22.353

98.592

88.86

20.76

56.03

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53.11 >So>Q‘{b{ rZn$§H g|aom`í§B baZO ©Br~y`Š mOoha

73.845,21

28.886,11

83.224,4

54.420,4

88.612,2

86.350,2

95.756,4

69.063,4

56.731

75.731

78.311,1

61.211,1 >So>Q‘{b{ rZn$§H g|aom`í§B baZO g§`mba[

81.367,3

01.736,3

45.211

58.99

09.477

89.906

83.794,2

38.175,2

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78.513

11.103 >So>Q‘{b{ rZn$§H g|aom`í§B baZO ‘aX§wg b`°ma

56.988,31

75.355,21

25.758,2

34.390,3

08.037,4

43.999,3

12.966,4

11.065,3

08.69

79.28

23.535,1

37.718,1 >So>Q‘{b{ rZn$§H g|aom`í§B baZO ©BmAr~gE

83.357,3

50.630,3

46.16

98.64

71.321

08.911

50.874,3

39.777,2

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13.98 >So>Q‘{b{ rZn$§H g|aom`í§B baZO ‘marl

38.207,71

09.090,51

63.083,2

03.867,1

50.295,3

18.331,3

52.580,9

94.734,7

41.247

33.676

30.309,1

79.470,2 >So>Q‘{b{ rZn$§H g|aom`í§B baZO rO©BmAE m>Qm>Q

54.870,5

91.226,4

88.673,1

16.406,1

73.980,1

72.595

40.862,2

74.611,2

95.18

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75.262

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03.299

08.338

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47.667,61

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59.430,5

66.123

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67.426,83

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24.599,8

87.484,4

02.712,4

88.505

69.074

33.435,1

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51.270,02

69.258,91

32.412,2

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82.915,7

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31.252,09

48.952,01

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17.958,54

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73.2

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75.314,83

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ñdmñÏ` ‘| ì`{º$JV XwK©Q>Zm em{‘b h¡ bmJw Zht `h Xem©Vm h¡ {H$ ~r‘mH$Vm© H$m ì`dgm` g§~§{YV {dÎmr` df© Ho$ Xm¡amZ `m g§~§{YV I§S> ‘| n[aMmbZ ‘| Zht Wm& ~r‘mH$Vm© Ûmam {nN>bo df© Ho$ Am§H$‹S>m| ‘| nwZd©JuH$aU/nwZJ©R>Z, `{X H$moB© hmo, na {dMma Zht {H$`m J`m h¡& 142 Annual Report 2024-25{ddaU H$WZ 11 OrdZ ~r_m H§$n{Z`m| H$s emoYZ j_Vm H$s pñW{V H«$.g§. ~r_m H§$nZr OyZ 2024 {gV§~a 2024 {Xg§~a 2024 _mM© 2025 gmd©O{ZH$ joÌ 1 ^maVr` OrdZ ~r‘m {ZJ‘ 1.99 1.98 2.02 2.11 àmBdoQ> goŠQ>a 2 EH$mo bmB’$ B§í`moa|g {b{‘Q>oS> 2.26 2.22 2.14 1.96 3 Am{XË` {~‹S>bm gZ bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS>. 1.72 1.88 1.94 1.88 4 ~§YZ bmB’$ B§í`moa|g {b{‘Q>oS> 2.20 2.82 2.38 2.69 5 E{O`mg ’o$S>ab bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> 2.72 2.74 2.76 2.70 6 Adrdm bmB’$ B§í`moa|g H§$nZr B§{S>`m {b{‘Q>oS>. 1.88 1.94 1.99 1.93 7 ~OmO Am{b`m§O bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> 3.99 3.78 3.69 3.59 8 ^maVr-EŠgm bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> 1.64 1.62 1.63 1.67 9 Ho$Zam EMEg~rgr bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS>. 2.24 2.17 2.15 2.06 10 H«o${S>Q> EŠgog bmB’$ B§í`moa|g {b{‘Q>oS> 3.41 3.45 3.39 3.59 11 ES>bdmBg Q>mo{H$`mo bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> 1.70 1.64 1.70 1.81 12 â`yMa OZabr B§{S>`m bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> 1.82 1.70 1.61 1.70 13 Jmo {S>{OQ> bmB’$ B§í`moa|g {b{‘Q>oS> 2.31 1.96 1.98 3.85 14 EMS>rE’$gr bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> 1.86 1.81 1.88 1.94 15 AmB©grAmB©grAmB© àyS|>{e`b bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> 1.88 1.89 2.12 2.12 16 B§{S>`m’$ñQ>© bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> 2.18 2.11 2.10 2.00 17 H$moQ>H$ ‘qhÐm bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> 2.48 2.57 2.56 2.45 18 EpŠgg ‘¡Šg bmB’$ B§í`moa|g {b{‘Q>oS> 2.03 1.98 1.96 2.01 19 nrEZ~r ‘oQ>bmB’$ B§{S>`m B§í`moa|g H§$nZr {b{‘Q>oS> 1.72 1.71 1.71 1.72 20 àm‘o[aH$m bmB’$ B§í`moa|g {b{‘Q>oS> 2.49 2.33 2.15 2.33 21 [abm`§g {Zßnm°Z bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> 2.28 2.31 2.39 2.35 22 ghmam B§{S>`m bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS>* 23 Eg~rAmB© bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> 2.01 2.04 2.04 1.96 24 lram‘ bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> 1.99 1.72 1.76 1.79 25 ñQ>ma `y{Z`Z XmB©-BMr bmB’$ B§í`moa|g H§$nZr 1.96 1.86 1.83 2.30 26 Q>mQ>m EAmB©E bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> 2.12 1.96 1.87 1.80 *dm{f©H$ ‘yë`m§H$Z So>Q>m Ho$ A^md ‘| Am¡a AmB©AmaS>rEAmB© AmXoe g§»`m AmB©AmaS>rEAmB©/E’$E§S>AmB©/AmoAmaS>r/E‘AmB©Eggr/119/6/2023 {XZm§H$ 2 OyZ, 2023 Ho$ VhV ghmam B§{S>`m bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> Ho$ H$mamo~ma H$mo Eg~rAmB© bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> H$mo hñVm§V[aV H$aZo Ho$ H$maU ghmam B§{S>`m bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> Ho$ g§~§Y ‘| OmZH$mar àXmZ Zht H$s JB© h¡& Annual Report 2024-25 143{ddaU H$WZ 12 gmYmaU, ñdmñÏ` d {deof ~r‘mH$Vm©Am| Am¡a nwZ~u‘mH$Vm©Am| H$s emoYZ j‘Vm H$s pñW{V ~r_m H§$nZr OyZ {gV§~a {Xg§~a _mM© 2024 2024 2024 2025 {ZOr joÌ Ho$ ~r‘mH$Vm© EH$mo OZab B§í`moa|g {b{‘Q>oS> 2.80 2.43 2.36 2.30 ~OmO Am{b`m§O OZab B§í`moa|g H§$nZr {b{‘Q>oS> 3.11 3.12 3.00 3.25 Mmobm‘§S>b‘ E‘Eg OZab B§í`moa|g H§$nZr {b{‘Q>oS> 1.92 2.06 2.14 2.18 â`yMa OZabr B§{S>`m B§í`moa|g H§$nZr {b{‘Q>oS> 2.12 1.98 2.03 1.96 Jmo {S>{OQ> OZab B§í`moa|g {b{‘Q>oS> 2.17 2.18 2.18 2.24 EMS>rE’$gr EJm} OZab B§í`moa|g H§$nZr {b{‘Q>oS> 1.56 1.78 1.75 2.00 AmB©grAmB©grAmB© bmoå~mS©> OZab B§í`moa|g H§$nZr {b{‘Q>oS> 2.56 2.65 2.36 2.69 B’$H$mo Q>mo{H$`mo OZab B§í`moa|g H§$nZr {b{‘Q>oS> 1.81 1.80 1.84 1.85 jo‘m OZab B§í`moa|g {b{‘Q>oS> 1.68 1.83 1.77 1.53 {b~Q>u OZab B§í`moa|g {b{‘Q>oS> 1.63 1.65 1.65 1.75 ‘¡½‘m OZab B§í`moa|g {b{‘Q>oS> 1.81 1.77 1.79 2.02 Zdr OZab B§í`moa|g {b{‘Q>oS> 4.06 4.19 4.39 4.56 ahoOm Š`y~rB© OZab B§í`moa|g H§$nZr {b{‘Q>oS> 1.96 2.08 2.02 1.72 [abm`§g OZab B§í`moa|g H§$nZr {b{‘Q>oS> 1.60 1.56 1.54 1.59 am°`b gw§Xa‘ OZab B§í`moa|g H§$nZr {b{‘Q>oS> 2.38 2.35 2.26 2.20 Eg~rAmB© OZab B§í`moa|g H§$nZr {b{‘Q>oS> 2.21 2.26 2.12 2.03 lram‘ OZab B§í`moa|g H§$nZr {b{‘Q>oS> 3.87 3.93 3.58 3.51 Q>mQ>m EAmB©Or OZab B§í`moa|g H§$nZr {b{‘Q>oS> 2.20 2.09 2.00 1.81 `y{Zdg©b gmoånmo OZab B§í`moa|g H§$nZr {b{‘Q>oS> 1.73 1.96 1.98 1.97 µOyZmo OZab B§í`moa|g H§$nZr {b{‘Q>oS> 1.69 1.64 1.62 1.58 Á`y[aI H$moQ>H$ OZab B§í`moa|g H§$nZr (B§{S>`m) {b{‘Q>oS> 7.39 6.84 6.43 5.73 gmd©O{ZH$ joÌ Ho$ ~r‘mH$Vm© ZoeZb B§í`moa|g H§$nZr {b{‘Q>oS> -0.46 -0.45 -0.53 -0.67 Ý`y B§{S>`m Eí`moa|g H§$nZr {b{‘Q>oS> 1.83 1.81 1.9 1.91 Amo[aE§Q>b B§í`moa|g H§$nZr {b{‘Q>oS> -1.03 -1.02 -1.05 -1.03 `yZmBQ>oS> B§{S>`m B§í`moa|g H§$nZr {b{‘Q>oS> -0.73 -0.71 -0.91 -0.65 {d{eï> ~r‘mH$Vm© EJ«rH$ëMa B§í`moa|g H§$nZr Am°’$ B§{S>`m {b{‘Q>oS> 3.43 3.41 3.55 4.07 B©grOrgr {b{‘Q>oS> 47.39 50.24 52.84 57.13 ñQ>¢S>-AbmoZ ñdmñÏ` ~r‘mH$Vm© Am{XË` {~‹S>bm hoëW B§í`moa|g H§$nZr {b{‘Q>oS> 1.72 1.80 1.64 1.84 Ho$`a hoëW B§í`moa|g {b{‘Q>oS>. 1.64 1.59 1.56 1.68 J¡boŠgr hoëW E§S> EbmBS> B§í`moa|g H§$nZr {b{‘Q>oS> 0.00 0.00 5.21 4.70 ‘{Unmb{g¾m hoëW B§í`moa|g H§$nZr {b{‘Q>oS> 1.74 1.75 1.57 1.76 Zmam`U hoëW B§í`moa|g {b{‘Q>oS> 1.89 1.84 1.77 1.61 {Zdm ~ynm hoëW B§í`moa|g H§$nZr {b{‘Q>oS> 2.39 2.25 3.03 3.03 ñQ>ma hoëW E§S> EbmBS> B§í`moa|g H§$nZr {b{‘Q>oS> 2.29 2.24 2.22 2.21 nwZ~u‘mH$Vm© ^maVr` gmYmaU ~r‘m {ZJ‘ 3.36 3.42 3.52 3.70 144 Annual Report 2024-25{ddaU H$WZ 13 {dXoer nwZ~u_mH$Vm©Am| H$s emImAm| emoYZ j‘Vm H«$.g§. {dXoer nwZ~u_mH$Vm©Am| H$s emImE± 31 _mM© 2024 VH$ 31 _mM© 2025 VH$ 1 E{b`m§O ½bmo~b 4.02 5.36 2 EŠgm ’«$m§g {dE 8.66 14.56 3 ’¡$ŠQ´r å`yMwAb 3.38 4.32 4 OoZ ar 2.36 2.84 5 hZmoda ar 2.34 2.07 6 bm°`S²g Am°’$ B§{S>`m 2.92 3.37 7 å`y{ZI ar 1.83 1.76 8 AmaOrE bmB’$ 2.52 2.53 9 ñH$moa EgB© 3.05 3.62 10 pñdg ar 2.04 2.02 11 EŠgEb EgB© B§í`moa|g 3.62 7.99 Annual Report 2024-25 145{ddaU H$WZ 14 E\$Ama~r g{hV nwZ~u_mH$Vm©Am| H$m gH$b nwZ~u_m àr{_`_ (< H$amo‹S> _|) H«$. nwZ~u_mH$Vm© ^maVr` ì`mnma {dXoer ì`mnma Hw$b g§. 2023-24 2024-25 2023-24 2024-25 2023-24 2024-25 1 OrAmB©gr ar 25,804.02 30,662.44 11,377.73 10,491.51 37,181.76 41,153.95 E’$Ama~r 2 pñdg ar 7,723.37 8,604.38 4.75 4.23 7,728.12 8,608.61 3 å`y{ZI ar 10,114.45 11,381.53 121.37 177.00 10,235.81 11,558.53 4 EŠgm ’«$m§g {dE 85.81 0.00 0.00 0.00 85.81 0.00 5 ñH$moa EgB© 2,513.17 2,501.76 0.00 0.00 2,513.17 2,501.76 6 EŠgEb EgB© 287.01 294.53 0.00 0.00 287.01 294.53 7 hZmoda ar 2,078.66 2,923.71 1.58 4.00 2,080.24 2,927.71 8 AmaOrE bmB’$ 356.46 450.11 0.16 0.15 356.62 450.27 9 OoZ ar 1,012.65 1,001.98 0.00 0.00 1,012.65 1,001.98 10 ‘mH}$b (bm°`S²g) 150.00 202.88 0.00 0.00 150.00 202.88 11 E{b`m§O ½bmo~b 208.55 230.45 54.64 72.80 263.18 303.24 12 ’¡$ŠQ´r å`yMwAb 218.91 225.19 0.00 0.00 218.91 225.19 Hw$b E’$Ama~r 24,749.03 27,816.51 182.49 258.18 24,931.52 28,074.69 Hw$b `moJ 50,553.05 58,478.95 11,560.23 10,749.69 62,113.28 69,228.64 146 Annual Report 2024-25{ddaU H$WZ 15 {dXoer nwZ~u_mH$Vm©Am| H$s emImAm| H$s Amd§{Q>V ny§Or (< H$amo‹S> _|) H«$. {dXoer nwZ~u_mH$Vm©Am| H$s emImE± 31 _mM© df© Ho$ 31 _mM© g§. 2024 VH$ Xm¡amZ Amgd 2025 VH$ 1 E{b`m§O ½bmo~b 348.85 0 348.85 2 EŠgm ’«$m§g {dE 731.87 0 731.87 3 ’¡$ŠQ´r å`yMwAb 160.80 0 160.80 4 OoZ ar 959.70 0 959.70 5 hZmoda ar 777.03 0 777.03 6 bm°`S²g Am°’$ B§{S>`m 105.00 0 105.00 7 å`y{ZI ar 4,641.10 0 4,641.10 8 AmaOrE bmB’$ 3,760.71 0 3,760.71 9 ñH$moa EgB© 975.17 0 975.17 10 pñdg ar 3,126.88 0 3,126.88 11 EŠgEb EgB© B§í`moa|g 233.35 0 233.35 Hw$b 15,820.46 0 15,820.46 Annual Report 2024-25 147{ddaU 148 Annual Report 2024-25 61 ZW$H )$HV ©Mm‘ 13( ±m¶VñpmA VhV $oH ZY§~à $oH |mA©mV$Hm‘r~ ZdrO )|_ >S‹oma$H <( Y{Z{ ZdrO rZn$§H m_r~ b$wH `ÝA VX{om‘wwZA §dE gmdmA `ÝA §dE am$Hag `Áma am$Hag `rÐ$|H )Y{Z{ ZdrO( eodZ{ eodZ{ eodZ{ mZMa§gdA ±m`V{y^V{à VX{om_wZA ±m`V{y^V{à 5202 4202 5202 4202 5202 4202 5202 4202 5202 4202 5202 4202

91.271

52.951

87.6

76.0

73.53

21.93

10.53

00.53 -

40.59 48 >So>Q‘{b{ g|aom`í§B $’Bmb om$HE

81.596,64

65.864,73

80.162,1

07.926

71.163,7

71.120,6

09.476,7

27.792,7

46.317,1

71.167,1

83.486,82

08.857,12 .>So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb Zg mb>S‹~{ `ËX{mA

49.342,21

90.660,11

12.66

69.83

13.037,2

52.360,2

60.192,2

21.520,2

51.618,3

27.258,3

12.043,3

40.680,3 .>So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb ba>S$o’ gm`O{E

42.363,01

28.515,9

06.6

90.83

52.432

24.751

50.018,1

11.876,1

02.389,2

64.323,2

51.923,5

37.813,5 >So>Q‘{b{ m`>S{§B rZn$§H g|aom`í§B $’Bmb mdrdA

57.110,85

73.793,84

75.267

24.007

56.856,61

00.745,31

18.132,9

08.275,5

42.639,6

58.791,7

94.224,42

03.973,12 .>So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb O§m`b{mA OmO~

62.167,3

09.953,3

79.8 -

07.229

96.588

04.878

53.476

30.038

32.366

61.121,1

26.631,1 .>So>Q‘{b{ g|aom`í§B $’Bmb ZY§~

65.920,41

70.073,21

42.791

36.491

80.350,2

30.288,1

91.193,2

91.202,2

53.912,2

16.309,1

07.861,7

06.781,6 .>So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb mgŠE rVam^

28.868,81

94.743,51

25.15

64.23

34.982,3

97.557,2

95.082,3

60.694,2

56.557,5

26.319,4

36.194,6

65.941,5 .>So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb rgr~gEME maZ$oH

98.581

52.941

83.62

88.7

41.54

63.32

95.23

24.72

09.5

09.9

78.57 18 >So>Q‘{b{ g|aom`í§B $’Bmb gogŠE>Q>S{$o«H

95.539,6

78.815,5

68.018

30.824

48.021,1

18.088

32.531,1

88.930,1

47.212

18.222

29.556,3

43.749,2 .>So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb gBmdb>SE

50.759,6

30.751,6

43.14

20.64

81.901,1

22.737

22.432,1

55.980,1

39.034

75.383

83.141,4

76.009,3 >So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb m`>S{§B rbaZO aMy`â

19.133,1

72.182

32.12

47.5

30.362

46.47

61.772

88.25

91.21 -

92.857 841 >So>Q‘{b{ g|aom`í§B $’Bmb >QO{>S{ omJ

20.594,07,1

92.724,73,1

60.242,4

80.403,2

01.301,62

23.806,02

32.792,92

80.823,32

53.390,91

76.326,51

82.957,19

41.365,57 >So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb rg$’Er>SME

57.408,71,1

89.631,20,1

97.743,2

52.919,1

68.171,42

48.616,71

34.087,22

39.584,61

65.737,5

41.856,6

01.767,26

28.654,95 >So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb b`e{>|Syà ©BmArg©BmArg©BmA

06.230,41

41.141,11

79.311

00.56

17.536,1

90.846,1

64.455,2

38.460,2

54.691,4

58.083,3

10.235,5

83.289,3 >So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb ©>Qñ$’m`>S{§B

99.169,35

16.730,64

26.501,1

36.450,1

67.615,5

04.896,4

53.621,9

43.485,7

21.199,3

55.188,2

41.222,43

86.818,92 >So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb mÐhq‘ $H>Qom$H

33.934,41,1

12.320,69

81.609,2

43.260,3

29.183,71

58.255,41

96.843,81

65.650,71

22.042,01

43.945,8

13.265,56

21.208,25 >So>Q‘{b{ g|aom`í§B $’Bmb gŠ¡‘ gg³pE

82.327,73

33.648,33

82.171

02.812

45.953,7

49.075,6

59.817,7

44.849,6

58.478,6

32.533,6

66.895,51

25.377,31 >So>Q‘{b{ rZn$§H g|aom`í§B m`>S{§B $’Bmb>Qo‘ r~ZErn

52.899,6

63.651,6

55.63

79.34

66.367

22.486

45.925,1

31.432,1

00.730,1

79.397

05.136,3

70.004,3 >So>Q‘{b{ g|aom`í§B $’Bmb m$Ha[o‘mà

71.823,03

75.875,62

57.862

89.201

16.503,3

26.740,2

98.688,5

08.369,4

66.214,5

98.644,4

52.454,51

72.710,51 >So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb Z°mnßZ{ g§`mba[

45.482,52,1

58.996,00,1

58.332,3

02.984,2

57.463,42

77.949,02

04.551,22

72.107,71

89.147,6

73.986,5

55.887,86

42.078,35 >So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb ©BmAr~gE

12.152,11

80.275,9

69.19

96.27

50.191,2

72.387,1

79.294,2

05.160,2

30.446,2

53.824,2

02.138,3

72.622,3 >So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb ‘marl

68.250,71

89.206,31

95.151

61.561

24.169,1

03.391,1

34.264,3

51.395,2

72.429,3

57.524,3

61.355,7

26.522,6 >So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb rMB-©BmX Z`Z{y` am>Qñ

13.039,57

87.452,95

61.341,1

20.461,1

29.002,8

83.388,6

53.009,31

47.240,01

48.84

67.96

40.736,25

88.490,14 >So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb E©BmAE m>Qm>Q

96.858,45,9

31.862,29,7

75.370,91

21.487,41

54.977,85,1

15.403,82,1

09.525,96,1

88.552,63,1

43.858,49

08.415,38

44.126,21,5

28.804,92,4 b$wH rOZ{

89.985,48,33

97.415,92,13

45.278,04

30.736,38

04.845,79,8

67.951,16,7

91.239,21,3

00.016,34,2

64.526,38,6

00.096,36,6

93.116,94,41

00.814,77,31 ‘JZ{ m‘r~ ZdrO `rVam^

76.844,93,34

29.287,12,93

11.649,95

51.124,89

58.723,65,01

72.464,98,8

90.854,28,4

88.568,97,3

08.384,87,7

08.402,74,7

38.232,26,91

28.628,60,81 b$wH JomÚC rZn$§H g|aom`í§B $’Bmb ©BmAr~gE VhV $oH

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04.278,41

38.882,21

24.044,7

56.178,5

50.543,1

18.872,1

39.680,6

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92.690,1

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34.372

26.282

71.74

50.34

80.73

22.43

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93.943,81

69.817,51

37.863,8

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98.791,3

49.759,6

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67.686

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52.840,6

72.492,2

45.961,3

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72.512,1

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40.841

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96.56

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39.78

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55.781

24.602 >So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb gBmdb>SE

24.990,1

16.080,1

78.685

12.355

73.742

48.562

81.562

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66.711

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25.751

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84.778,91

36.513,61

70.323,72

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29.048,91

93.454,7

37.262,5

42.709,3

38.838,2

96.967,21

63.937,11 >So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb b`e{>|Syà ©BmArg©BmArg©BmA

25.046,6

77.299,5

96.257,1

88.407,1

08.243,2

85.712,2

20.545,2

13.070,2 >So>Q‘{b{ rZn$§H g|aom`í§B $’Bmb ©>Qñ$’m`>S{§B

48.702,6

08.305,4

60.112,1

62.487

23.020,1

07.617

64.679,3

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55.654,9

23.522,7

75.464,1

56.437,1

97.050,3

09.226,2

81.149,4

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61.087,2

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45.645

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22.232,2

34.809,1

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24.961,81

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77.176,1

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54.165,89,2

82.663,86,2

76.361,7

34.208,5

53.442,79

80.595,57

70.376,05

97.468,04

62.769,52

48.965,91

12.883,73

78.859,93

98.421,08

72.575,68 Jmo` b$Hw m$H Ìjo rOZ{

94.253,92

53.119,72

92.362

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82.902,21

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07.319,2

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75.404,5

64.766,5

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18.230,6 >So>Q‘{b{ rZn$§H g|aom`í§B bZeoZ 22

39.782,46

80.347,06

64.574

56.368

85.447,81

52.668,61

42.166,9

15.404,7

62.988,2

92.796,3

20.719,61

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73.006,51

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69.500,22

49.015,12

92.853

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17.487,5

90.352,5

63.791,2

81.390,2

65.964,1

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77.564,7

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73.646,4 >So>Q‘{b{ rZn$§H g|aom`í§B b>Q§Ea[omA 42

92.545,33

85.916,23

89.628

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93.350,01

56.998,8

18.281,4

26.919,3

69.377,1

44.429,1

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76.191,94,1

59.487,24,1

20.429,1

28.551,3

69.197,64

66.988,14

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45.201,1 > g|aom`í§B Wëoh mb>S‹~{ `ËX{mA 62

94.853,8

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37.340,3

87.419,1

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51.02 thZ yJmb

70.72 thZ yJmb

79.4 thZ yJmb

08.441 thZ yJmb *>So>Q‘{b{ rZn$§H g|aom`í§B Wëoh rgŠob¡J 82

63.340,2

53.596,1

00.5

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37.385

55.934

25.724

08.753

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63.663

86.214

51.544

60.773 >So>Q‘{b{ rZn$§H g|aom`í§B Wëoh m¾g{bmnU{‘ 92

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40.51 thZ yJmb

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63.754,5

63.512

80.991

83.472,2

05.425,1

33.182,2

19.694,1

30.139

49.794

07.528

50.706

53.056,1

98.131,1 >So>Q‘{b{ rZn$§H g|aom`í§B Wëoh mny~ mdZ{ 13

16.958,71

13.783,51

97.549

97.487

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84.261,6

98.056,1

79.828,1

56.418,1

87.564,1

09.699,1

81.365,1

37.113,4

21.285,3 .b{.$§H g|aom`í§B >SBmbE >S§E Wëoh am>Qñ 23

37.251,14

56.154,23

74.312,1

62.699

46.830,31

01.548,01

32.267,7

91.257,5

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46.026,2

85.891,5

29.001,4

15.420,01

35.631,8 b$Hw `Ïñmdñ ZmobA>S>¢Qñ

64.337,60,1

72.992,69

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07.999,82

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72.565,7

98.893,6

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74.131,82

52.107,42

28.500,32 ‘JZ{ m‘r~ UamYmg `rVam^ 33

64.337,60,1

72.992,69

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75.960,31

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72.565,7

98.893,6

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74.131,82

52.107,42

28.500,32 b$Hw m‘u~Znw

53.831,81

66.363,51

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25.681,4

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57.139,3

53.090,4

07.224,4

05.120,4 >So>Q‘{b{ m`>S{§B $’°mA rZn$§H g|aom`í§B aMë$Hr«JE 43

40.922,71

49.331,61

91.53

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12.169,4

97.754,4

74.730,3

49.861,3

50.100,1

44.220,1

38.095,4

48.429,3

82.306,3

72.314,3 >So>Q‘{b{ rgrOrg©B 53

83.763,53

06.794,13

98.65

76.812

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13.446,8

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12.572,3

91.830,3

95.225,8

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89.520,8

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44.991

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43.071,1

11.011,1 - - - -

84.701

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72.001

14.52

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83.962

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24. ñQ>ma `y{Z`Z XmB©-BMr bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> 1 Am{XË` {~‹S>bm hoëW B§í`moa|g H§$nZr {b{‘Q>oS>

25. Q>mQ>m EAmB©E bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> 2 Ho$`a hoëW B§í`moa|g {b{‘Q>oS> 3 J¡boŠgr hoëW E§S> EbmBS> B§í`moa|g H§$nZr {b{‘Q>oS> 4 ‘{Unmb {g¾m hoëW B§í`moa|g H§$nZr {b{‘Q>oS> 5 Zmam`U hoëW B§í`moa|g {b{‘Q>oS> 6 {Zdm ~ynm hoëW B§í`moa|g H§$nZr {b{‘Q>oS> 7 [abm`§g hoëW B§í`moa|g {b{‘Q>oS>$ 8 ñQ>ma hoëW E§S> EbmBS> B§í`moa|g H§$nZr {b{‘Q>oS> AmB©AmaS>rEAmB© Ûmam {XZm§H$ 2.6.2023 Ho$ AmXoe Ho$ VhV ghmam B§{S>`m bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> (EgAmB©EbAmB©gr) H$m OrdZ ~r‘m H$mamo~ma Eg~rAmB© bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> (Eg~rAmB© bmB’$) H$mo hñVm§V[aV {H$`m OmVm h¡& $àm{YH$aU Zo {XZm§H$ 6 Zd§~a, 2019 Ho$ AmXoe g§X^© g§»`m AmB©AmaS>rE/E’$E/AmoAmaS>r/EgAmoEbnr/200/11/2019 Ho$ ‘mÜ`‘ go [abm`§g hoëW B§í`moa|g {b{‘Q>oS> H$mo ZB© nm°{b{g`m| H$s {~H«$s ~§X H$aZo Ho$ {ZX}e Omar {H$E& Annual Report 2024-25 157AZw~§Y Omar... AZw~§Y 1 ^maV _| H$m`©aV n§OrH¥$V ~r_mH$Vm©Am|/nwZ~u_mH$Vm©Am| H$s gyMr (31 _mM© 2025 VH$) nwZ~u_m H§$n{Z`m| gmd©O{ZH$ joÌ {ZOr joÌ 1 d¡ë¶yE{Q>³g [aB§í¶wa|g {b{‘Q>oS> 1 ^maVr` gmYmaU ~r‘m {ZJ‘ {dXoer nwZ~u‘mH$Vm©Am| H$s emImE± 1 E{b`m§O ½bmo~b H$m°nm}aoQ> E§S> ñno{e`{bQ>r EgB©, ^maV emIm 2 EŠgm ’«$m§g dr - ^maV nwZ~u‘m emI 3 ’¡$ŠQ´r å`yMwAb B§í`moa|g H§$nZr, ^maV emIm 4 OZab arB§í`moa|g EOr - ^maV emIm 5 hZmoda ê$H$ EgB© - ^maV emIm 6 ‘w§MZa ê$H$d{g©Moé§½g-JogobemâQ> Aº$sE§OogobemâQ> - ^maV emIm 7 AmaOrE nwZ~u‘m H§$nZr, ^maV emIm 8 EggrAmoAma EgB© - ^maV emIm 9 pñdg nwZ~u‘m H§$nZr {b{‘Q>oS>, ^maV emIm 10 EŠgEb B§í`moa|g H§$nZr EgB©, ^maV nwZ~u‘m emIm bm°`S²g B§{S>`m bm°`S²g H$s godm H§$n{Z`m± 11 ‘mH}$b g{d©goO B§{S>`m àmBdoQ> {b{‘Q>oS> 12 dmob|Q> ½bmo~b g{d©goO B§{S>`m àmBdoQ> {b{‘Q>oS>-bm°`S²g B§{S>`m 158 Annual Report 2024-25AZw~§Y AZw~§Y 2(i) ^maVr` ~mOma _| AmV§H$dmX OmopI_ ~r_m nyb _| gXñ`m| H$s {hñgoXmar (`H$amo‹S> _|) H«$. 2023-24 2024-25 g§. gXñ` H§$nZr à{V OmopI_ eo`a à{V OmopI_ eo`a j_Vm (% ‘|) j_Vm (% ‘|) 1 ~OmO Am{b`m§O OZab B§í`moa|g H§$nZr {b{‘Q>oS> 106.28 5.31 106.28 5.31 2 Mmobm‘§S>b‘ OZab B§í`moa|g H§$nZr {b{‘Q>oS> 39.06 1.95 39.06 1.95 3 â`yMa OZabr OZab B§í`moa|g H§$nZr {b{‘Q>oS> 28.16 1.41 28.16 1.41 4 ^maVr` gmYmaU ~r‘m {ZJ‘ 333.69 16.68 333.69 16.68 5 Jmo {S>{OQ> OZab B§í`moa|g {b{‘Q>oS> 10 0.50 10 0.50 6 gaH$mar ~r‘m H$mof, JwOamV 20 1.00 20 1.00 7 EMS>rE’$gr EJm} OZab B§í`moa|g H§$nZr {b{‘Q>oS> 15 0.75 15 0.75 8 AmB©grAmB©grAmB© bmoå~mS©> OZab B§í`moa|g H§$nZr {b{‘Q>oS> 180.84 9.04 180.84 9.04 9 B’$H$mo-Q>mo{H$`mo OZab B§í`moa|g H§$nZr {b{‘Q>oS> 78.64 3.93 78.64 3.93 10 {b~Q>u OZab B§í`moa|g {b{‘Q>oS> 20.81 1.04 20.81 1.04 11 ‘¡½‘m OZab B§í`moa|g {b{‘Q>oS> 10.32 0.52 10.32 0.52 12 ZoeZb B§í`moa|g H§$nZr {b{‘Q>oS> 167.62 8.38 167.62 8.38 13 Zdr OZab B§í`moa|g {b{‘Q>oS> 2 0.10 2 0.10 14 ahoOm Š`y~rB© OZab B§í`moa|g H§$nZr {b{‘Q>oS> 1 0.05 1 0.05 15 [abm`§g OZab B§í`moa|g H§$nZr {b{‘Q>oS> 39.72 1.99 39.72 1.99 16 am°`b gw§Xa‘ B§í`moa|g H§$nZr {b{‘Q>oS> 27.72 1.39 27.72 1.39 17 Eg~rAmB© OZab B§í`moa|g H§$nZr {b{‘Q>oS> 15.62 0.78 15.62 0.78 18 lram‘ OZab B§í`moa|g H§$nZr {b{‘Q>oS> 20 1.00 20 1.00 19 Q>mQ>m-EAmB©Or OZab B§í`moa|g H§$nZr {b{‘Q>oS> 31.46 1.57 31.46 1.57 20 Ý`y B§{S>`m Eí`moa|g H§$nZr {b{‘Q>oS> 333.69 16.68 333.69 16.68 21 Amo[aE§Q>b B§í`moa|g H§$nZr {b{‘Q>oS> 238.31 11.92 238.31 11.92 22 `yZmBQ>oS> B§{S>`m B§í`moa|g H§$nZr {b{‘Q>oS> 250.05 12.50 250.05 12.50 23 `y{Zdg©b gmoånmo OZab B§í`moa|g H§$nZr {b{‘Q>oS> 10 0.50 10 0.50 24 µOyZmo OZab B§í`moa|g H§$nZr {b{‘Q>oS> 10 0.50 10 0.50 25 Á`y[aI H$moQ>H$ OZab B§í`moa|g H§$nZr (B§{S>¶m) {b{‘Q>oS> 10 0.50 10 0.50 Hw$b 2000 100.00 2000 100.00 Annual Report 2024-25 159AZw~§Y AZw~§Y 2(ii) ^maVr` na_mUw ~r_m nyb _| gXñ`m| H$s {hñgoXmar (`H$amo‹S> _|) H«$. 2023-24 2024-25 g§. gXñ` H§$nZr à{V OmopI_ eo`a à{V OmopI_ eo`a j_Vm %_| j_Vm %_| 1 Mmobm‘§S>b‘ OZab B§í`moa|g H§$nZr {b{‘Q>oS> 15 1.00 15 1.00 2 ^maVr` gmYmaU ~r‘m {ZJ‘ 600 40.00 600 40.00 3 AmB©grAmB©grAmB© bmoå~mS©> OZab B§í`moa|g H§$nZr {b{‘Q>oS> 100 6.67 100 6.67 4 B’$H$mo Q>mo{H$`mo OZab B§í`moa|g H§$nZr {b{‘Q>oS> 20 1.33 20 1.33 5 ZoeZb B§í`moa|g H§$nZr {b{‘Q>oS> 100 6.67 100 6.67 6 Ý`y B§{S>`m Eí`moa|g H§$nZr {b{‘Q>oS> 300 20.00 300 20.00 7 Amo[aE§Q>b B§í`moa|g H§$nZr {b{‘Q>oS> 100 6.67 100 6.67 8 [abm`§g OZab B§í`moa|g H§$nZr {b{‘Q>oS> 20 1.33 20 1.33 9 Eg~rAmB© OZab B§í`moa|g H§$nZr {b{‘Q>oS> 15 1.00 15 1.00 10 Q>mQ>m EAmB©Or OZab B§í`moa|g H§$nZr {b{‘Q>oS> 20 1.33 20 1.33 11 `yZmBQ>oS> B§{S>`m B§í`moa|g H§$nZr {b{‘Q>oS> 200 13.33 200 13.33 12 `y{Zdg©b gmoånmo OZab B§í`moa|g H§$nZr {b{‘Q>oS> 10 0.67 10 0.67 Hw$b 1500 100.00 1500 100.00 160 Annual Report 2024-25AZw~§Y AZw~§Y 2(iii) g_wÐr H$mJm} ~{hîH¥$V joÌ nyb _| gXñ`m| H$s {hñgoXmar (`H$amo‹S> _|) H«$. gXñ` H§$nZr 2023-24 2024-25 g§. à{V à{V OmopI_ eo¶a OmopI_ eo¶a | j_Vm % _| j_Vm % _| 1 ^maVr` gmYmaU ~r‘m {ZJ‘ 250 52.21 250 52.21 2 ZoeZb B§í`moa|g H§$nZr B§{S>`m 30 6.27 30 6.27 3 Ý`y B§{S>`m Eí`moa|g H§$nZr {b{‘Q>oS> 40 8.35 40 8.35 4 Amo[aE§Q>b B§í`moa|g H§$nZr {b{‘Q>oS> 30 6.27 30 6.27 5 `yZmBQ>oS> B§{S>`m B§í`moa|g H§$nZr 20 4.18 20 4.18 6 ~OmO Am{b`m§O OZab B§í`moa|g H§$nZr {b{‘Q>oS> 2.5 0.52 2.5 0.52 7 Mmobm‘§S>b‘ OZab B§í`moa|g H§$nZr {b{‘Q>oS> 1 0.21 1 0.21 8 µOyZmo OZab B§í`moa|g H§$nZr {b{‘Q>oS> 0.3 0.06 0.3 0.06 9 Jmo {S>{OQ> OZab B§í`moa|g H§$nZr. 5 1.04 5 1.04 10 EMS>rE’$gr EJm} OZab B§í`moa|g H§$nZr {b{‘Q>oS> 6 1.25 6 1.25 11 AmB©grAmB©grAmB© bmoå~mS©> OZab B§í`moa|g H§$nZr {b{‘Q>oS> 30 6.27 30 6.27 12 B’$H$mo Q>mo{H$`mo OZab B§í`moa|g H§$nZr {b{‘Q>oS> 8 1.67 8 1.67 13 H$moQ>H$ ‘qhÐm OZab B§í`moa|g H§$nZr {b{‘Q>oS> 1 0.21 1 0.21 14 ‘¡½‘m OZab B§í`moa|g {b{‘Q>oS> 5 1.04 5 1.04 15 [abm`§g OZab B§í`moa|g H§$nZr {b{‘Q>oS> 8 1.67 8 1.67 16 am°`b gw§Xa‘ B§í`moa|g H§$nZr {b{‘Q>oS> 4 0.84 4 0.84 17 Eg~rAmB© OZab B§í`moa|g H§$nZr {b{‘Q>oS> 5 1.04 5 1.04 18 lram‘ OZab B§í`moa|g H§$nZr {b{‘Q>oS> 1 0.21 1 0.21 19 Q>mQ>m EAmB©Or OZab B§í`moa|g H§$nZr {b{‘Q>oS> 30 6.27 30 6.27 20 `y{Zdg©b gmoånmo OZab B§í`moa|g H§$nZr {b{‘Q>oS> 2 0.42 2 0.42 H$wb `mJo 478.8 100.00 478.8 100.00 Annual Report 2024-25 161AZw~§Y AZw~§Y 3 {dÎm df© 2025-26 Ho$ {bE E‘Q>rnr Xm{`Ëdm| Ho$ {ZYm©aU Ho$ {bE {dÎm df© 2024-25 ‘| gm‘mÝ` ~r‘mH$Vm©Am| H$s ‘moQ>a WS©> nmQ>u ~r‘m ~mOma {hñgoXmar H«$.g§. ~r_m H§$nZr OrS>rnr ~mOma ‘o Orgrdr,nrgrdr (`H$amo‹S>) {hñgoXmar Am¡a Q´>¡H«$m| ‘o A{Zdm¶© Ý¶yZV‘% d¥{Õ

1. EH$mo OZab B§í`moa|g {b{‘Q>oS> 621 1.05 12.50

2. ~OmO Am{b`m§O OZab B§í`moa|g H§$nZr {b{‘Q>oS> 3,268 5.54 7.50

3. Mmobm E‘Eg OZab B§í`moa|g H§$nZr {b{‘Q>oS> 3,111 5.28 7.50

4. â`yMa OZab B§í`moa|g H§$nZr {b{‘Q>oS> 1,028 1.74 12.50

5. Jmo {S>{OQ> OZab B§í`moa|g {b{‘Q>oS> 3,631 6.16 7.50

6. EMS>rE’$gr EJm} OZab B§í`moa|g H§$nZr {b{‘Q>oS> 1,148 1.95 12.50

7. AmB©grAmB©grAmB© bmoå~mS©> OZab B§í`moa|g H§$nZr {b{‘Q>oS> 5,282 8.96 7.50

8. B’$H$mo Q>mo{H$`mo OZab B§í`moa|g H§$nZr {b{‘Q>oS> 2,106 3.57 10.00

9. jo‘m OZab B§í`moa|g {b{‘Q>oS> 0 0.00 12.50

10. {b~Q>u OZab B§í`moa|g {b{‘Q>oS> 707 1.20 12.50

11. ‘¡½‘m OZab B§í`moa|g {b{‘Q>oS> 1,561 2.65 10.00

12. Zdr OZab B§í`moa|g {b{‘Q>oS> 9 0.02 12.50

13. ahoOm Š`y~rB© OZab B§í`moa|g H§$nZr {b{‘Q>oS> 155 0.26 12.50

14. [abm`§g OZab B§í`moa|g H§$nZr {b{‘Q>oS> 2,618 4.44 10.00

15. am°`b gw§Xa‘ OZab B§í`moa|g H§$nZr {b{‘Q>oS> 1,675 2.84 10.00

16. Eg~rAmB© OZab B§í`moa|g H§$nZr {b{‘Q>oS> 2,647 4.49 10.00

17. lram‘ OZab B§í`moa|g H§$nZr {b{‘Q>oS> 2,684 4.55 10.00

18. Q>mQ>m EAmB©Or OZab B§í`moa|g H§$nZr {b{‘Q>oS> 5,012 8.50 7.50

19. `y{Zdg©b gmoånmo OZab B§í`moa|g H§$nZr {b{‘Q>oS> 1,249 2.12 10.00

20. µOyZmo OZab B§í`moa|g H§$nZr {b{‘Q>oS> 270 0.46 12.50

21. Á`y[aI H$moQ>H$ OZab B§í`moa|g H§$nZr (B§{S>¶m) {b{‘Q>oS> 631 1.07 12.50

22. ZoeZb B§í`moa|g H§$nZr {b{‘Q>oS> 3,749 6.36 7.50

23. Ý`y B§{S>`m Eí`moa|g H§$nZr {b{‘Q>oS> 6,652 11.28 5.00

24. Amo[aE§Q>b B§í`moa|g H§$nZr {b{‘Q>oS> 3,157 5.35 7.50

25. `yZmBQ>oS> B§{S>`m B§í`moa|g H§$nZr {b{‘Q>oS> 5,984 10.15 5.00 Hw$b `moJ 58,958 100 ZmoQ>: {nN>bo {dÎmr` df© _| gm_mÝ` ~r_mH$Vm© H$m {nN>bo {dÎmr` df© H$s VwbZm _| _mb dmhZ, `mÌr _moQ>a WS©> nmQ>u ~r_m ~mOma {hñgm dmhZ Am¡a Q´>¡ŠQ>a ({d{dY I§S>) H$s g§»`m _| Ý`yZV_ à{VeV d¥{Õ àË`oH$ loUr Ho$ {bE AbJ-AbJ 2% VH$ 12.5% 2% - 5% 10% 5% - 10% 7.5% 10% go A{YH$ 5% àË`oH$ ~r_mH$Vm© H$mo {d{Z`_m| H$s A{YgyMZm Ho$ ~mX nhbo {dÎmr` df© _| Ý`yZV_ 5000 _mbdmhH$ dmhZm|, 5000 `mÌr dmhZm| Am¡a 1,000 Q´>¡ŠQ>am| ({d{dY I§S>m|) H$m ~r_m H$aZm hmoJm& 162 Annual Report 2024-25AZw~§Y AZw~§Y 4 01 Aà¡b 2024 go 31 _mM© 2025 VH$ Omar n[anÌ/AmXoe/{Xem{ZX}e/{ZX}e H«$.g§. g§X^© g§»`m {d^mJ VmarI OmZH$mar àH$ma {df` 1 AmB©AmaS>rEAmB©/nrnrOrAma/ nm°{bgrYmaH$m| H$m 10 Aà¡b, AmXoe ~r‘m bmoH$nmb gbmhH$ma g{‘{V AmoAmaS>r/grE‘Q>r/67/4/2024 g§ajU Am¡a {eH$m`V 2024 H$m nwZJ©R>Z {ZdmaU 2 AmB©AmaS>rEAmB©/E’$AmB©/ {dÎm d {Zdoe 15 ‘B©, n[anÌ ~r‘mH$Vm©Am| H$m n§OrH$aU, ny±Or grAmB©Ama/78/5/2024 2024 {dÝ`mg, eo`am| H$m A§VaU Am¡a g‘m‘obZ, 2024 na ‘mñQ>a n[anÌ 3 AmB©AmaS>rEAmB©/E’$AmB©/ {dÎm d {Zdoe 15 ‘B©, n[anÌ H$‘reZ g{hV, ~r‘mH$Vm©Am| Ho$ grAmB©Ama/79/5/2024 2024 à~§YZ-ì``m| g~§Yr ‘mñQ>a n[anÌ, 2024 4 AmB©AmaS>rEAmB©/EgrQ>rEb/ ~r‘m§H$Z 17 ‘B©, n[anÌ ~r‘mH$Vm©Am| Ho$ ~r‘m§{H$H$, {dÎm grAmB©Ama/{d{dY/80/5/2024 2024 Am¡a {Zdoe H$m`m] g§~§Yr ‘mñQ>a n[anÌ 5 AmB©AmaS>rEAmB©/E’$AmB©/ {dÎm d {Zdoe 22 ‘B©, n[anÌ ~r‘mH$Vm©Am| Ho$ {bE H$manmoaoQ grAmB©Ama/{d{dY/82/5/2024 2024 > A{^emgZ g~§ Y§ r ‘mñQ>a n[anÌ, 2024 6 AmB©AmaS>rEAmB©/nrnrOrAma/ nm°{bgrYmaH$m| H$m 28 ‘B©, n[anÌ Q>obrH$m‘ g§gmYZm| Ho$ ‘mÜ`‘ go grAmB©Ama/{d{dY/83/5/2024 g§ajU Am¡a {eH$m`V 2024 AZno{jV dm{UpÁ`H$ g§Mma (`ygrgr) {ZdmaU - Q´mB© Ho$ {Xem{ZX}e 7 AmB©AmaS>rEAmB©/EMEbQ>r/ ñdmñÏ` 29 ‘B©, n[anÌ AmB©AmaS>rEAmB© (~r‘m CËnmX) grAmB©Ama/nrAmaAmo/84/5/2024 2024 {d{Z`‘, 2024 g§~§Yr ‘mñQ>a n[anÌ- ñdmñÏ` ~r‘m 8 AmB©AmaS>rEAmB©/AmaB©AmB©EZ/ nwZ~u‘m 31 ‘B©, ‘mñQ>a gHw©$ba nwZ~u‘m g§~§Yr ‘mñQ>a n[anÌ, 2024 E‘EgQ>rgrAmB©Ama/{d{dY/87/ 2024 5/2024 9 AmB©AmaS>rEAmB©/EZEb/ J¡a-OrdZ 04 OyZ, n[anÌ MH«$dmV ao‘b Am¡a AZwdVu ^mar ~m[ae grAmB©Ama/{d{dY/88/6/2024 2024 / ~m‹T> go g§~§{YV ~r‘m Xmdo 10 AmB©AmaS>rEAmB©/EgrQ>rEb/ ~r‘m§H$Z 07 OyZ, ‘mñQ>a gHw©$ba OrdZ ~r‘m CËnmXm |g~§ Y§ r ‘mñQ>a n[anÌ E‘EgQ>rgrAmB©Ama/{d{dY/ 2024 89/6/2024 11 AmB©AmaS>rEAmB©/EZEb/ J¡a-OrdZ 11 OyZ, ‘mñQ>a gHw©$ba AmB©AmaS>rEAmB© (~r‘m CËnmX) E‘EgQ>rgrAmB©Ama/{d{dY/90/ 2024 {d{Z`‘, 2024 g§~§Yr ‘mñQ>a n[anÌ, 6/2024 gmYmaU 12 AmB©AmaS>rEAmB©/EZEb/ J¡a-OrdZ 14 OyZ, ‘mñQ>a gHw©$ba {ddaUr àñVwVrH$aU na ‘mñQ>a n[anÌ, E‘EgQ>rgrAmB©Ama/AmaQ>r/ 2024 2024 93/6/2024 13 AmB©AmaS>rEAmB©/nrnrOrAma/ nm°{bgrYmaH$m| H$m 18 OyZ, n[anÌ n[aMmbZm| Am¡a g§~Õ {df`m| g§~§Yr grAmB©Ama/{d{dY/97/6/2024 g§ajU Am¡a {eH$m`V 2024 ‘mñQ>a n[anÌ {ZdmaU 14 AmB©AmaS>rEAmB©/AmB©EZQ>r/ ‘Ü`dVu 18 OwbmB©, n[anÌ {XZm§H$ 29/08/2018 n[anÌ grAmB©Ama/{d{dY/104/7/2024 2024 AmB©AmaS>rE/AmB©EZQ>r/grAmB©Ama/ grAmoE‘E‘/139/08/2018 H$m {ZagZ Annual Report 2024-25 163AZw~§Y Omar... AZw~§Y 4 01 Aà¡b 2024 go 31 _mM© 2025 VH$ Omar n[anÌ/AmXoe/{Xem{ZX}e/{ZX}e H«$.g§. g§X^© g§»`m {d^mJ VmarI OmZH$mar àH$ma {df` 15 AmB©AmaS>rEAmB©/EZEb/ J¡a-OrdZ 03 AJñV, n[anÌ dm`ZmS>, Ho$ab Ho$ ^yñIbZ go g§~§{YV grAmB©Ama/{d{dY/108/8/2024 2024 ~r‘m Xmdo 16 AmB©AmaS>rEAmB©/OrdZ/grAmB©Ama/ OrdZ 06 AJñV, n[anÌ OrdZ ~r‘m H§$n{Z`m| Ûmam ~r‘m gyMZm {d{dY/109/8/2024 2024 ã`yamo H$mo Am±H$‹S>m| H$m àñVwVrH$aU 17 AmB©AmaS>rEAmB©/AmB©AmB©S>r/ ~r‘m g‘mdoe Am¡a 12 AJñV, n[anÌ YZ-emoYZ {ZdmaU (A{^boIm| H$m grAmB©Ama/E‘AmB©Eggr/ {dH$mg 2024 aIaImd) g§emoYZ {Z`‘, 2024 112/8/2024 18 AmB©AmaS>rEAmB©/nrnrOrAma/ nm°{bgrYmaH$m| H$m 04 {gV§~a, n[anÌ nm{°bgrYmaH$m |H$o {hVm |H$o ga§ jU g~§ Y§ r grAmB©Ama/{d{dY/117/9/2024 g§ajU Am¡a {eH$m`V 2024 ‘mñQ>a n[anÌ {ZdmaU 19 AmB©AmaS>rEAmB©/E’$AmB©/ {dÎm d {Zdoe 06 {gV§~a, n[anÌ AÝ` àH$ma H$s ny±Or Ho$ A{^XmVm grAmB©Ama/{d{dY/119/9/2024 2024 20 AmB©AmaS>rEAmB©/AmB©EZQ>r/ ‘Ü`dVu 15 OZdar, AmXoe AmB©AmB©AmB©EgEbE Ho$ 14d| n[afX AmoAmaS>r/{d{dY/19/1/2025 2025 MwZmd H$amZo Ho$ {bE MwZmd A{YH$mar H$s {Z`w{º$ 21 AmB©AmaS>rEAmB© / EMEbQ>r / ñdmñÏ` 30-OZdar n[anÌ d[að> n[anÌ ZmJ[aH$m| Ho$ {bE ñdmñÏ` grAmB©Ama / E‘AmB©Eggr 2025 ~r‘m nm°{b{g`m| Ho$ VhV àr{‘`‘ Xam| 27/1/2025 - ‘| g§emoYZ H$s g‘rjm 22 AmB©AmaS>rEAmB©/OrEEMAma/ gm‘mÝ` àemgZ Am¡a 05 ’$adar, {Xem-{ZX}e gmB~a gwajm g§~§Yr A§Va-AZwemgZ OrS>rEb/{d{dY/33/02/2025 ‘mZd g§gmYZ 2025 ñWm`r g{‘{V H$m JR>Z 23 AmB©AmaS>rEAmB©/nrnrOrAma/ nm°{bgrYmaH$m| H$m 18 ’$adar, n[anÌ OrdZ Am¡a ñdmñÏ` ~r‘m nm{b{g`m| grAmB©Ama/{d{dY/37/2/2025 g§ajU Am¡a {eH$m`V 2025 Ho$ {ZJ©‘ hoVw EH$sH¥$V ^wJVmZ B§Q>a’o$g {ZdmaU (`ny rAmB ©‘S¢ >oQ>) H$o ‘mÜ`‘ g o àr{‘`‘ Ho$ {bE amer H$mo AdéÕ H$aZo Ho$ {bE EH$~maJr (dZ-Q>mB‘) A{YXoe EH$~maJr A{YXoe~r‘m-EEg~rE 24 AmB©AmaS>rEAmB©/E’$AmB©/OrS>rEb/ {dÎm d {Zdoe 27 ’$adar, {Xem-{ZX}e B©{¹$Q>r ì`wËn{Þ`m| (So>[ado{Q>ìg) Ho$ Ûmam AmB©EZdr/041/02/2025 2025 ~Mmd-ì`dñWm g§~§Yr {Xem{ZX}e 25 AmB©AmaS>rEAmB©/E’$AmB©/AmB©EZdr/ {dÎm d {Zdoe 10 ‘mM©, n[anÌ dm`Xm g§{dXmAm| (~m§S> ’$md©S²g©) grAmB©Ama/43/03/2025 2025 ‘| EŠgnmoµOa 26 AmB©AmaS>rEAmB©/nrnrOrAma/ nm°{bgrYmaH$m| H$m 12 ‘mM©, n[anÌ nm°{bgrYmaH$m| H$s g{d©qgJ - Mmby grAmB©Ama/{d{dY/45/3/2025 g§ajU Am¡a {eH$m`V 2025 {dÎmr` df© 2024-25 Ho$ {bE {deof {ZdmaU Cnm` 27 AmB©AmaS>rEAmB©/OrEEMAma/ gm‘mÝ` àemgZ Am¡a 24 ‘mM©, n[anÌ gmB~a KQ>Zm AWdm g§H$Q> hoVw V¡`mar grAmB©Ama/{d{dY/49/03/2025 ‘mZd g§gmYZ 2025 Ho$ g§~§Y ‘| 164 Annual Report 2024-25AZw~§Y AZw~§Y 5 ~r‘m A{Y{Z¶‘, 1938 Am¡a AmB©AmaS>rE A{Y{Z¶‘, 1999 Ho$ VhV 31 ‘mM©, 2025 VH$ ~ZmE JE {Z¶‘ H«$.g§. {d{Z`_ H$m Zm_ 1 AmB©AmaS>rE (~r‘m gbmhH$ma g{‘{V) (~¡R>H$) {d{Z`‘, 2000 2 AmB©AmaS>rE ({Z`wº$ ~r‘m§H$H$) {d{Z`‘, 2000 3 AmB©AmaS>rE (~r‘m§H$H$ [anmoQ>© Am¡a gmam§e) {d{Z`‘, 2000 4 AmB©AmaS>rE (~r‘m EO|Q>m| H$s bmBg|qgJ) {d{Z`‘, 2000 5 AmB©AmaS>rE (~r‘mH$Vm©Am| H$s g§n{Îm, XoZXm[a`m§ Am¡a emoYZ j‘Vm ‘m{O©Z) {d{Z`‘, 2000 6 AmB©AmaS>rE (gmYmaU ~r‘m-nwZ~u‘m) {d{Z`‘, 2000 7 AmB©AmaS>rE (^maVr` ~r‘m gbmhH$ma g{‘{V) (g§emoYZ), 2000 8 AmB©AmaS>rE (~r‘m {dkmnZ Am¡a àH$Q>rH$aU) {d{Z`‘, 2000 9 AmB©AmaS>rE (J«m‘rU gm‘m{OH$ joÌm| Ho$ à{V ~r‘mH$Vm©Am| Ho$ Xm{`Ëd) {d{Z`‘, 2000 10 AmB©AmaS>rE (~¡R>H|$) {d{Z`‘, 2000 11 AmB©AmaS>rE (~r‘m H§$n{Z`m| Ho$ {dÎmr` {ddaU Am¡a boIm narjH$m| H$s [anmoQ>© V¡`ma H$aZm) {d{Z`‘, 2000 12 AmB©AmaS>rE ({Zdoe) {d{Z`‘, 2000 13 AmB©AmaS>rE (A{YH$m[a`m| Am¡a AÝ` H$‘©Mm[a`m| H$s godm eV]) {d{Z`‘, 2000 14 AmB©AmaS>rE (~r‘m gd}jH$ Am¡a hm{Z ‘yë`m§H$ZH$Vm©-bmBg|qgJ, ì`mdgm{`H$ Amdí`H$VmE§ Am¡a AmMaU g§{hVm) {d{Z`‘, 2000 15 AmB©AmaS>rE (OrdZ ~r‘m-nwZ~u‘m) {d{Z`‘, 2000 16 AmB©AmaS>rE ({Zdoe) (g§emoYZ) {d{Z`‘, 2001 17 AmB©AmaS>rE (V¥Vr` nj àemgH$-ñdmñÏ` godmE§) {d{Z`‘, 2001 18 AmB©AmaS>rE (nwZ~u‘m gbmhH$ma g{‘{V) {d{Z`‘, 2001 19 AmB©AmaS>rE ({Zdoe) (g§emoYZ) {d{Z`‘, 2002 20 AmB©AmaS>rE (~r‘m H§$n{Z`m| Ho$ {dÎmr` {ddaU Am¡a boIm narjH$m| H$s [anmoQ>© V¡`ma H$aZm) {d{Z`‘, 2002 21 AmB©AmaS>rE (nm°{bgrYmaH$m| Ho$ {hVm| H$m g§ajU) {d{Z`‘, 2002 22 AmB©AmaS>rE (~r‘m ~«moH$g©) {d{Z`‘, 2002 23 AmB©AmaS>rE (J«m‘rU gm‘m{OH$ joÌm| Ho$ à{V ~r‘mH$Vm©Am| Ho$ Xm{`Ëd) {d{Z`‘, 2002 24 AmB©AmaS>rE (H$m°anmoaoQ> EO|Q>m| H$m bmBg|grH$aU) {d{Z`‘, 2002 25 AmB©AmaS>rE (~r‘m EO|Q>m| H$m bmBg|grH$aU) (g§emoYZ) {d{Z`‘, 2002 26 AmB©AmaS>rE (nm°{bgrYmaH$m| Ho$ {hVm| H$m g§ajU) (g§emoYZ) {d{Z`‘, 2002 27 AmB©AmaS>rE (àr{‘`‘ H$s àm{á H$s {d{Y) {d{Z`‘, 2002 28 AmB©AmaS>rE (A{Yeof H$m {dVaU) {d{Z`‘, 2002 29 AmB©AmaS>rE (^maVr` ~r‘m H§$n{Z`m| H$m n§OrH$aU) (g§emoYZ) {d{Z`‘, 2003 30 AmB©AmaS>rE ({Zdoe) (g§emoYZ) {d{Z`‘, 2004 31 AmB©AmaS>rE (~r‘m§H$H$ H$s `mo½`Vm) {d{Z`‘, 2004 32 AmB©AmaS>rE (J«m‘rU Am¡a gm‘m{OH$ joÌm| Ho$ à{V ~r‘mH$Vm©Am| Ho$ Xm{`Ëd) (g§emoYZ) {d{Z`‘, 2004 Annual Report 2024-25 165AZw~§Y Omar.... AZw~§Y 5 ~r‘m A{Y{Z¶‘, 1938 Am¡a AmB©AmaS>rE A{Y{Z¶‘, 1999 Ho$ VhV 31 ‘mM©, 2025 VH$ ~ZmE JE {Z¶‘ H«$.g§. {d{Z`_ H$m Zm_ 33 AmB©AmaS>rE (gyú‘ ~r‘m) {d{Z`‘, 2005 34 AmB©AmaS>rE (A{YH$m[a`m| Am¡a AÝ` H$‘©Mm[a`m| H$s godm eV]) (g§emoYZ) {d{Z`‘, 2005 35 AmB©AmaS>rE (J«m‘rU `m gm‘m{OH$ joÌm| Ho$ {bE ~r‘mH$Vm©Am| H$m Xm{`Ëd) (g§emoYZ) {d{Z`‘, 2005 36 AmB©AmaS>rE (~r‘m EO|Q>m| H$s bmBg|grH$aU) (g§emoYZ) {d{Z`‘, 2007 37 AmB©AmaS>rE (H$m°nm}aoQ> EO|Q>m| H$s bmBg|grH$aU) (g§emoYZ) {d{Z`‘, 2007 38 AmB©AmaS>rE (~r‘m ~«moH$g©) (g§emoYZ) {d{Z`‘, 2007 39 AmB©AmaS>rE (J«m‘rU `m gm‘m{OH$ joÌm| Ho$ {bE ~r‘mH$Vm©Am| H$m Xm{`Ëd) (Vrgam g§emoYZ) {d{Z`‘, 2008 40 AmB©AmaS>rE (J«m‘rU `m gm‘m{OH$ joÌm| Ho$ {bE ~r‘mH$Vm©Am| H$m Xm{`Ëd) (Mm¡Wm g§emoYZ) {d{Z`‘, 2008 41 AmB©AmaS>rE (^maVr` ~r‘m H§$n{Z`m| H$m n§OrH$aU) (Xygam g§emoYZ) {d{Z`‘, 2008 42 AmB©AmaS>rE (A{YH$m[a`m| Am¡a AÝ` H$‘©Mm[a`m| H$s godm H$s eV]) (g§emoYZ) {d{Z`‘, 2008 43 AmB©AmaS>rE ({Zdoe) (Mm¡Wm g§emoYZ) {d{Z`‘, 2008 44 AmB©AmaS>rE (~r‘m CËnmXm| Ho$ {bE Am§H$‹S>m H$mof H$m AmXmZ-àXmZ) {d{Z`‘, 2010 45 AmB©AmaS>rE (d¡YVm-Ad{Y g‘m{á g§~§Yr ~r‘m nm°{bgr AmMaU) {d{Z`‘, 2010 46 AmB©AmaS>rE (~r‘m {dkmnZ Am¡a àH$Q>rH$aU) (g§emoYZ) {d{Z`‘, 2010 47 AmB©AmaS>rE (H$m°nm}aoQ> EO|Q>m| H$s bmBg|qgJ) (g§emoYZ) {d{Z`‘, 2010 48 AmB©AmaS>rE (gmYmaU ~r‘m H$mamoJma Ho$ g‘m‘obZ Am¡a A§VaU H$s `moOZm) 2011 49 AmB©AmaS>rE (OrdZ ~r‘m H§$n{Z`m| Ûmam ny§Or {ZJ©‘) {d{Z`‘, 2011 50 AmB©AmaS>rE (^maVr` ~r‘m H§$n{Z`m| H$m n§OrH$aU) (Vrgam g§emoYZ) {d{Z`‘, 2012 51 AmB©AmaS>rE (~r‘m gbmhH$ma g{‘{V (~¡R>H|$) (nhbm g§emoYZ) {d{Z`‘, 2012 52 AmB©AmaS>rE (Kaoby `m {dXoer BH$mB© go g§~§{YV JmonZr` OmZH$mar gmPm H$aZm) {d{Z`‘, 2012 53 AmB©AmaS>rE (^maVr` ~r‘m H§$n{Z`m| H$m n§OrH$aU) (Mm¡Wm g§emoYZ) {d{Z`‘, 2013 54 AmB©AmaS>rE ({Z`wº$ ~r‘m§H$H$) (nhbm g§emoYZ) {d{Z`‘, 2013 55 AmB©AmaS>rE (gmYmaU ~r‘m - nwZ~u‘m) {d{Z`‘, 2013 56 AmB©AmaS>rE (~r‘m ~«moH$g©) (Xygam g§emoYZ) {d{Z`‘, 2013 57 AmB©AmaS>rE (OrdZ ~r‘m ì`dgm` Ho$ g‘m‘obZ Am¡a A§VaU H$s ñH$s‘ ) {d{Z`‘, 2013 58 AmB©AmaS>rE (V¥Vr` nj àemgH$-ñdmñÏ` godmE§) (nhbm g§emoYZ) {d{Z`‘, 2013 59 AmB©AmaS>rE (OrdZ ~r‘m Ho$ {bE ‘mZH$ àñVmd ànÌ) {d{Z`‘, 2013 60 AmB©AmaS>rE (ì`mnma ñWb) {d{Z`‘, 2013 61 AmB©AmaS>rE (gmYmaU ~r‘m H§$n{Z`m| Ûmam Omar H$s JB© ny±Or) {d{Z`‘, 2013 62 AmB©AmaS>rE (Ag§~Õ ~r‘m CËnmX) {d{Z`‘, 2013 63 AmB©AmaS>rE (ñdmñÏ` ~r‘m) {d{Z`‘, 2013 64 AmB©AmaS>rE (g§~Õ ~r‘m CËnmX) {d{Z`‘, 2013 166 Annual Report 2024-25AZw~§Y Omar.... AZw~§Y 5 ~r‘m A{Y{Z¶‘, 1938 Am¡a AmB©AmaS>rE A{Y{Z¶‘, 1999 Ho$ VhV 31 ‘mM©, 2025 VH$ ~ZmE JE {Z¶‘ H«$.g§. {d{Z`_ H$m Zm_ 65 AmB©AmaS>rE ({Zdoe) (nm§Mdm§ g§emoYZ) {d{Z`‘, 2013 66 AmB©AmaS>rE (OrdZ ~r‘m - nwZ~u‘m) {d{Z`‘, 2013 67 AmB©AmaS>rE (~r‘m gd}jH$ Am¡a hm{Z {ZYm©aH$ - bmBg|grH$aU, ì`mdgm{`H$ AnojmE± Am¡a AmMaU g§{hVm) (Xygam g§emoYZ) {d{Z`‘, 2013 68 AmB©AmaS>rE (~r‘m Xbmbmo Ho$ ê$n ‘| ~¢H$m| H$mo bmBg|grH$aU) {d{Z`‘, 2013 69 AmB©AmaS>rE (do~ g§J«mhH$) {d{Z`‘, 2013 70 AmB©AmaS>rE (~¡R>H|$) (nhbm g§emoYZ) {d{Z`‘, 2013 71 AmB©AmaS>rE AmB©Egr (~¡R>H|$) (Xygam g§emoYZ) {d{Z`‘, 2013 72 AmB©AmaS>rE (~r‘m ~«moH$g©) {d{Z`‘, 2013 73 AmB©AmaS>rE (AÝ` nj ñdmñÏ`-godmE± ) (Xygam g§emoYZ) {d{Z`‘, 2013 74 AmB©AmaS>rE (^maVr` ~r‘m H§$n{Z`m| H$m n§OrH$aU) (nm§Mdm§ g§emoYZ) {d{Z`‘, 2013 75 AmB©AmaS>rE (~r‘m EO|Q>m| H$m bmBg|grH$aU) (g§emoYZ) {d{Z`‘ 2013 76 AmB©AmaS>rE (~r‘m gd}jH$ Am¡a hm{Z ‘yë`m§H$ZH$Vm©- bmBg|qgJ, ì`mdgm{`H$ Amdí`H$VmE§ Am¡a A§MaU g§{hVm) (Xygam g§emoYZ) {d{Z`‘, 2013 77 AmB©AmaS>rE (A{YH$m[a`m| Am¡a AÝ` H$‘©Mm[a`m| H$s godm H$s eV]) (Vrgam g§emoYZ) {d{Z`‘, 2014 78 AmB©AmaS>rE (^maVr` ~r‘m H§$n{Z`m| H$m n§OrH$aU) (N>R>m g§emoYZ) {d{Z`‘, 2014 79 AmB©AmaS>rE (ñdmñÏ` ~r‘m) (nhbm g§emoYZ) {d{Z`‘, 2014 80 AmB©AmaS>rEAmB© (~r‘m {dnUZ ’$‘© H$m n§OrH$aU) {d{Z`‘, 2015 81 AmB©AmaS>rEAmB© (gyú‘ ~r‘m) {d{Z`‘, 2015 82 AmB©AmaS>rEAmB© (~r‘m H§$n{Z`m| Ho$ B{¹$Q>r eo`am| H$m A§VaU) {d{Z`‘, 2015 83 AmB©AmaS>rEAmB© (Zm‘m§H$Z Ho$ aÔH$aU AWdm n[adV©Z H$mo n§OrH¥$V H$aZo Ho$ {bE ewëH$) {d{Z`‘, 2015 84 AmB©AmaS>rEAmB© ({Z`w{º$ `m ñWmZm§VaU H$s gyMZm H$s àm{á H$s {bpIV nmdVr XoZo Ho$ {bE ewëH$) {d{Z`‘, 2015 85 AmB©AmaS>rEAmB© (‘moQ>a V¥Vr` nj ~r‘m ì`dgm` Ho$ g§~§Y ‘| ~r‘mH$Vm© H$m Xm{`Ëd) {d{Z`‘, 2015 86 AmB©AmaS>rEAmB© (ì`mnma ñWb) {d{Z`‘, 2015 87 AmB©AmaS>rEAmB© (~r‘m boIm| H$m AZwajU) {d{Z`‘, 2015 88 AmB©AmaS>rEAmB© (H$m°nm}aoQ> EO|Q>m| H$m n§OrH$aU) {d{Z`‘, 2015 89 AmB©AmaS>rEAmB© (J«m‘rU Am¡a gm‘m{OH$ joÌm| Ho$ à{V ~r‘mH$Vm©Am| Ho$ Xm{`Ëd) {d{Z`‘, 2015 90 AmB©AmaS>rEAmB© (dm{f©{H$`m| Am¡a AÝ` bm^m| Ho$ {bE Ý`yZV‘ gr‘mE±) {d{Z`‘, 2015 91 AmB©AmaS>rEAmB© (Aä`nU© Am¡a àXÎm ‘yë`m| H$m A{YJ«hU) {d{Z`‘, 2015 92 AmB©AmaS>rEAmB© (gm‘mÝ` godm H|$Ðm| Ûmam ~r‘m gr‘mE±) {d{Z`‘, 2015 93 AmB©AmaS>rEAmB© (bm°`S> Ho$ Abmdm {dXoer nwZ~u‘mH$Vm©Am| Ho$ emIm H$m`m©b`m| H$m n§OrH$aU Am¡a g§MmbZ) {d{Z`‘, 2015 94 AmB©AmaS>rEAmB© (~r‘m gd}jH$ Am¡a hm{Z {ZYm©aH$) {d{Z`‘, 2015 Annual Report 2024-25 167AZw~§Y Omar.... AZw~§Y 5 ~r‘m A{Y{Z¶‘, 1938 Am¡a AmB©AmaS>rE A{Y{Z¶‘, 1999 Ho$ VhV 31 ‘mM©, 2025 VH$ ~ZmE JE {Z¶‘ H«$.g§. {d{Z`_ H$m Zm_ 95 AmB©AmaS>rEAmB© (~r‘m {dkmnZ Am¡a àH$Q>rH$aU) (g§emoYZ) {d{Z`‘, 2015 96 AmB©AmaS>rEAmB© (AÝ` àH$ma H$s ny±Or) {d{Z`‘, 2015 97 AmB©AmaS>rEAmB© (OrdZ ~r‘m ì`dgm` H$mo N>mo‹S>H$a AÝ` ì`dmg` H$aZo dmbr ^maVr` ~r‘m H§$n{Z`m| Ûmam ny±Or {ZJ©‘) {d{Z`‘, 2015 98 AmB©AmaS>rEAmB© (OrdZ ~r‘m ì`dgm` H$aZo dmbr ^maVr` ~r‘m H§$n{Z`m| Ûmam ny±Or {ZJ©‘) {d{Z`‘, 2015 99 AmB©AmaS>rEAmB© (bm°`S> Ho$ Abmdm {dXoer nwZ~u‘mH$Vm©Am| Ho$ emIm H$m`m©b`m| H$m n§OrH$aU Am¡a g§MmbZ) (nhbm g§emoYZ) {d{Z`‘, 2016 100 AmB©AmaS>rEAmB© ({dda{U`m| H$m {ZarjU Am¡a à{V`mo H$s Amny{V© Ho$ {bE ewëH$) {d{Z`‘, 2015 101 AmB©AmaS>rEAmB© (^maVr` ~r‘m H§$n{Z`m| H$m n§OrH$aU) (gmVdm§ g§emoYZ) {d{Z`‘, 2016 102 AmB©AmaS>rEAmB© (bm°`S²g B§{S>`m) {d{Z`‘, 2016 103 AmB©AmaS>rEAmB© (V¥Vr` nj - ñdmñÏ` godmE§) {d{Z`‘, 2016 104 AmB©AmaS>rEAmB© (gmYmaU ~r‘m ì`dgm` H$s AmpñV`m±, Xo`VmE± Am¡a F¥$U emoYZ j‘Vm ‘m{O©Z) {d{Z`‘, 2016 105 AmB©AmaS>rEAmB© (~r‘m§H$H$ H$s `mo½`Vm) ({ZagZ) {d{Z`‘, 2016 106 AmB©AmaS>rEAmB© (OrdZ ~r‘m ì`dgm` H$s AmpñV`m±, Xo`VmE± Am¡a emoYZ j‘Vm gr‘m) {d{Z`‘, 2016 107 AmB©AmaS>rEAmB© (OrdZ ~r‘m ì`dgm` Ho$ {bE ~r‘m§{H$H$ [anmoQ>© Am¡a gmam§e) {d{Z`‘, 2016 108 AmB©AmaS>rEAmB© (~r‘m A{^H$Vm©Am| H$s {Z`w{º$) {d{Z`‘, 2016 109 AmB©AmaS>rEAmB© (gmYmaU AWdm ñdmñÏ` ~r‘m ì`dgm` H$aZo dmbo ~r‘mH$Vm©Am| Ho$ à~§Y ì``) {d{Z`‘, 2016 110 AmB©AmaS>rEAmB© (~r‘mH$Vm©Am| Ho$ nyU©H$m{bH$ H$‘©Mm[a`m| H$mo F$U AWdm AñWm`r A{J«‘) {d{Z`‘, 2016 111 AmB©AmaS>rEAmB© (OrdZ ~r‘m ì`dgm` H$aZo dmbo ~r‘mH$Vm©Am| Ho$ à~§Y ì``) {d{Z`‘, 2016 112 AmB©AmaS>rEAmB© (gmYmaU ~r‘m - nwZ~u‘m) {d{Z`‘, 2016 113 AmB©AmaS>rEAmB© (B©-~r‘m nm°{bgr {ZJ©‘Z) {d{Z`‘, 2016 114 AmB©AmaS>rEAmB© (ñdmñÏ` ~r‘m) {d{Z`‘, 2016 115 AmB©AmaS>rEAmB© (^maVr` ~r‘m H§$n{Z`m| H$m n§OrH$aU) (AmR>dm§ g§emoYZ) {d{Z`‘, 2016 116 AmB©AmaS>rEAmB© H$‘©Mmar (A{YH$mar Am¡a AÝ` H$‘©Mmar) {d{Z`‘, 2016 117 AmB©AmaS>rEAmB© ({Zdoe) {d{Z`‘, 2016 118 AmB©AmaS>rEAmB© (B©-~r‘m nm°{bgr {ZJ©‘Z) (nhbm g§emoYZ) {d{Z`‘, 2016 119 AmB©AmaS>rEAmB© (bm°`S> Ho$ Abmdm {dXoer nwZ~u‘mH$Vm©Am| Ho$ emIm H$m`m©b`m| H$m n§OrH$aU Am¡a g§MmbZ) (Xygam g§emoYZ) {d{Z`‘, 2016 120 AmB©AmaS>rEAmB© (~r‘m EO|Q>m| Am¡a ~r‘m ‘Ü`ñWm| H$mo Am`moJ `m nm[al{‘H$ `m nwañH$ma H$m ^wJVmZ) {d{Z`‘, 2016 121 AmB©AmaS>rEAmB© (~r‘m {dnUZ ’$‘© H$m n§OrH$aU) (nhbm g§emoYZ) {d{Z`‘, 2016 122 AmB©AmaS>rEAmB© (~r‘m EO|Q>m| Am¡a ~r‘m ‘Ü`d{V©`m| H$mo H$‘reZ AWdm nm[al{‘H$ AWdm à{V’$b H$m ^wJVmZ) (nhbm g§emoYZ) {d{Z`‘, 2017 123 AmB©AmaS>rEAmB© (~r‘m do~ g§J«mhH$) {d{Z`‘, 2017 168 Annual Report 2024-25AZw~§Y Omar.... AZw~§Y 5 ~r‘m A{Y{Z¶‘, 1938 Am¡a AmB©AmaS>rE A{Y{Z¶‘, 1999 Ho$ VhV 31 ‘mM©, 2025 VH$ ~ZmE JE {Z¶‘ H«$.g§. {d{Z`_ H$m Zm_ 124 AmB©AmaS>rEAmB© (^maVr` ~r‘mH$Vm©Am| Ûmam H$m`©H$bmnm| H$m ~møòmoVrH$aU) {d{Z`‘, 2017 125 AmB©AmaS>rEAmB© ({Z`wº$ ~r‘m§H$H$) {d{Z`‘, 2017 126 AmB©AmaS>rEAmB© (~r‘m gd}jH$ Am¡a hm{Z {ZYm©aH$) (nhbm g§emoYZ) {d{Z`‘, 2017 127 AmB©AmaS>rEAmB© (nm{bgrYmaH$m| Ho$ {hVm| H$m g§ajU) {d{Z`‘, 2017 128 AmB©AmaS>rEAmB© (~r‘m EO|Q>m| Am¡a ~r‘m ‘Ü`d{V©`m| H$mo H$‘reZ AWdm nm[al{‘H$ AWdm à{V’$b H$m ^wJVmZ) (Xygam g§emoYZ) {d{Z`‘, 2017 129 AmB©AmaS>rEAmB© (~r‘m Xbmb) {d{Z`‘, 2018 130 AmB©AmaS>rEAmB© (OrdZ ~r‘m Ho$ {bE ‘mZH$ àñVmd ’$m‘©) ({ZagZ) {d{Z`‘, 2018 131 AmB©AmaS>rEAmB© (nwZ~u‘m) {d{Z`‘, 2018 132 AmB©AmaS>rEAmB© (~r‘m Xbmb) (nhbm g§emoYZ) {d{Z`‘, 2018 133 AmB©AmaS>rEAmB© ({Z`wº$ ~r‘m§H$H$) (g§emoYZ) {d{Z`‘, 2019 134 AmB©AmaS>rEAmB© (`y{ZQ> g§~Õ ~r‘m CËnmX) {d{Z`‘, 2019 135 AmB©AmaS>rEAmB© (Ag§~Õ ~r‘m CËnmX) {d{Z`‘, 2019 136 AmB©AmaS>rEAmB©(~r‘m {dnUZ ’$‘© H$m a{OñQ´rH$aU) (g§emoYZ) {d{Z`‘, 2019 137 AmB©AmaS>rEAmB© (nwZ~u‘m gbmhH$ma g{‘{V) {d{Z`‘, 2019 138 AmB©AmaS>rEAmB© ({d{Z`m‘H$ g¢S>~m°Šg) {d{Z`‘, 2019 139 AmB©AmaS>rEAmB© (gm‘mÝ` bmoH$ godm H|$Ð) {d{Z`‘, 2019 140 AmB©AmaS>rEAmB© (~r‘m ‘Ü`dVu) (g§emoYZ) {d{Z`‘, 2019 141 AmB©AmaS>rEAmB© (ñdmñÏ` ~r‘m) (g§emoYZ) {d{Z`‘, 2019 142 AmB©AmaS>rEAmB© (V¥Vr` nj àemgH$ - ñdmñÏ` godmE§) (g§emoYZ) {d{Z`‘, 2019 143 AmB©AmaS>rEAmB© (Om±M Am¡a {ZarjU Ho$ {bE Amdí`H$ Ý`yZV‘ OmZH$mar) {d{Z`‘, 2020 144 AmB©AmaS>rEAmB© (~r‘m gd}jH$ Am¡a hm{Z ‘yë`m§H$ZH$Vm©) (g§emoYZ) {d{Z`‘, 2020 145 AmB©AmaS>rEAmB© ({d{Z`m‘H$ g¢S>~m°Šg) (g§emoYZ) {d{Z`‘, 2021 146 AmB©AmaS>rEAmB© (~r‘m {dkmnZ Am¡a àH$Q>rH$aU) {d{Z`‘, 2021 147 AmB©AmaS>rEAmB© (eo`aYmaH$m| `m gXñ`m| H$mo g‘m‘obZ na ‘wAmdOo Ho$ AmH$bZ H$m VarH$m) {d{Z`‘, 2021 148 AmB©AmaS>rEAmB© ({dÎmr` {ddaU V¡`ma H$aZm Am¡a ~r‘m H§$n{Z`m| H$s boIm narjH$ H$s [anmoQ>©) (nhbm g§emoYZ) {d{Z`‘, 2021 149 AmB©AmaS>rEAmB© (^maVr` ~r‘m H§$n{Z`m§) (g§emoYZ) {d{Z`‘, 2021 150 AmB©AmaS>rEAmB© (OrdZ ~r‘m ì`dgm` Ho$ {bE ~r‘m§H$H$ [anmoQ>© Am¡a gmam§e) (g§emoYZ) {d{Z`‘, 2022 151 AmB©AmaS>rEAmB© ({Z`wº$ ~r‘m§H$H$) {d{Z`‘, 2022 152 AmB©AmaS>rEAmB© (gmYmaU ~r‘m ì`dgm` H$s ApñV`m±, Xo`VmE± Am¡a emoYZ - j‘Vm ‘m{O©Z) {d{Z`‘, 2022 153 AmB©AmaS>rEAmB© (AÝ` àH$ma H$s ny±Or) {d{Z`‘, 2022 154 AmB©AmaS>rEAmB© ({d{Z`m‘H$ g¢S>~m°Šg) (g§emoYZ) {d{Z`‘ 2022 Annual Report 2024-25 169AZw~§Y Omar.... AZw~§Y 5 ~r‘m A{Y{Z¶‘, 1938 Am¡a AmB©AmaS>rE A{Y{Z¶‘, 1999 Ho$ VhV 31 ‘mM©, 2025 VH$ ~ZmE JE {Z¶‘ H«$.g§. {d{Z`_ H$m Zm_ 155 AmB©AmaS>rEAmB© (^maVr` ~r‘m H§$n{Z`m| H$m n§OrH$aU) {d{Z`‘, 2022 156 AmB©AmaS>rEAmB© (~r‘m ‘Ü`ñW) (g§emoYZ) {d{Z`‘, 2022 157 AmB©AmaS>rEAmB© (gmYmaU AWdm ñdmñÏ` ~r‘m ì`dgm` H$aZo dmbo ~r‘mH$Vm©Am| Ho$ à~§Y ì``) {d{Z`‘, 2023 158 AmB©AmaS>rEAmB© (OrdZ ~r‘m ì`dgm` H$aZodmbo ~r‘mH$Vm©Am| Ho$ à~§Y ì``) {d{Z`‘, 2023 159 AmB©AmaS>rEAmB© (H$‘reZ H$m ^wJVmZ) {d{Z`‘, 2023 160 AmB©AmaS>rEAmB© (nwZ~u‘m) (g§emoYZ) {d{Z`‘, 2023 161 AmB©AmaS>rEAmB© (H$‘reZ g{hV, ~r‘mH$Vm©Am| Ho$ à~§YZ-ì``) {d{Z`‘, 2024 162 AmB©AmaS>rEAmB© (J«m‘rU, gm‘m{OH$ joÌ Am¡a ‘moQ>a AÝ` nj Xm{`Ëd) {d{Z`‘, 2024 163 AmB©AmaS>rEAmB© (~r‘m gwJ‘ ~r‘m BboŠQ´m{ZH$ ~mOma ñWmZ) {d{Z`‘, 2024 164 AmB©AmaS>rEAmB©(^maVr` ~r‘m H§$n{Z`m| H$m n§OrH$aU, ny±Or {dÝ`mg, eo`am| H$m A§VaU Am¡a g‘m‘obZ) {d{Z`‘ 2024 165 AmB©AmaS>rEAmB© (~r‘mH$Vm©Am| Ho$ {bE H§$nZr A{^emgZ) {d{Z`‘, 2024 166 AmB©AmaS>rEAmB© (~r‘m CËnmX) {d{Z`‘, 2024 167 AmB©AmaS>rEAmB© (E’$Ama~r Am¡a bm°`S²g B§{S>`m H$m n§OrH$aU Am¡a n[aMmbZ) {d{Z`‘, 2024 168 AmB©AmaS>rEAmB© (~r‘mH$Vm©Am| Ho$ ~r‘m§{H$H$, {dÎm Am¡a {Zdoe H$m`©) {d{Z`‘, 2024 169 AmB©AmaS>rEAmB© (nm{bgrYmaH$m| Ho$ {hVm| H$m g§ajU, ~r‘mH$Vm©Am| Ho$ n[aMmbZ Am¡a g§~Õ H$m`©) {d{Z`‘, 2024 170 AmB©AmaS>rEAmB© (nwZ~u‘m gbmhH$ma g{‘{V) (g§emoYZ) {d{Z`‘, 2025 171 AmB©AmaS>rEAmB© (~r‘m gbmhH$ma g{‘{V) (g§emoYZ) {d{Z`‘, 2025 172 AmB©AmaS>rEAmB© (~¡R>H|$) (g§emoYZ) {d{Z`‘, 2025 173 AmB©AmaS>rEAmB© ({d{Z`m‘H$ g¢S>~m°Šg) {d{Z`‘, 2025 174 AmB©AmaS>rEAmB© ({d{Z`{‘V g§ñWmAm| Ho$ Ûmam gyMZm H$m AZwajU VWm àm{YH$aU Ho$ Ûmam gyMZm H$s gmPoXmar) {d{Z`‘, 2025 ZmoQ>: ^maV Ho$ amOnÌ ‘| A{Ygy{MV 170 Annual Report 2024-25AZw~§Y AZw~§Y 6 OrdZ ~r_m H§$n{Z`m| Ûmam noe {H$E OmZo dmbo gyú_ ~r_m CËnmXm| H$s gyMr (31 _mM© 2025 VH$) H«$.g§. ~r_m H§$nZr d¡`{º$H$ _mBH«$mo CËnmX g_yh _mBH«$mo CËnmX 1 ^maVr` OrdZ ~r‘m {ZJ‘ EbAmB©gr ‘mBH«$mo ~MV EbAmB©gr H$s EH$ dfu` ZdrH$aUr` g‘yh ‘mBH«$mo Q>‘© Eí`moa|g `moOZm EbAmB©gr qgJb àr{‘`‘ J«wn ‘mBH«$mo Q>‘© B§í`moa|g ßbmZ 2 EH$mo bmB’$ B§í`moa|g {b{‘Q>oS> EH$mo bmB’$ J«wn H«o${S>Q> àmoQ>oŠQ> (‘mBH«$mo B§í`moa|g CËnmX) 3 Am{XË` {~‹S>bm gZ bmB’$ B§í`moa|g H§$nZr {b> E~rEgEbAmB© g‘yh ~r‘m `moOZm 4 E{O`mg ’o$S>ab bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> g‘yh ‘mBH«$moí`moa|g `moOZm II 5 Adrdm bmB’$ B§í`moa|g H§$nZr B§{S>`m {b{‘Q>oS> Adrdm J«wn ‘mBH«$mo B§í`moa|g ßbmZ 6 EpŠgg ‘¡Šg bmB’$ B§í`moa|g {b{‘Q>oS> ‘¡Šg bmB’$ J«wn gab gwajm `moOZm (gyú‘ ~r‘m CËnmX) 7 ~OmO Am{b`m§O bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> ~OmO Am{b`m§O bmB’$ J«wn g§nyU© OrdZ gwajm ~OmO Am{b`m§O bmB’$ J«wn g§nyU© gwajm H$dM 8 ~§YZ bmB’$ B§í`moa|g {b{‘Q>oS> ~§YZ bmB’$ J«wn Ho$`a ‘mBH«$mo B§í`moa|g ßbmZ 9 ^maVr EŠgm bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> ^maVr EŠgm bmB’$ J«m‘rU OrdZ ~r‘m ^maVr EŠgm bmB’$ J«wn Q>‘© ‘mBH«$mo B§í`moa|g ßbmZ 10 Ho$Zam EMEg~rgr bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> Ho$Zam EMEg~rgr bmB’$ B§í`moa|g gånyU© H$dM `moOZm 11 H«o${S>Q> EŠgog bmB’$ B§í`moa|g {b{‘Q>oS> H«o${S>Q>EŠgog ajm H$dM gyú‘ (gyú‘-~r‘m CËnmX) H«o${S>Q>EŠgog bmBµ’$ - g‘wÞ{V gwajm (gyú‘-~r‘m CËnmX) H«o${S>Q>EŠgog gwajm gyú‘ (gyú‘ ~r‘m CËnmX) H«o${S>Q>EŠgog bmB’$ - J«m‘rU g§M` (gyú‘ ~r‘m CËnmX) H«o${S>Q>EŠgog bmB’$ - AZ§V gwajm gyú‘ (gyú‘ ~r‘m CËnmX) 12 ES>bdmBg bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> ES>bdmBg bmB’$ - ajm H$dM ~r‘m `moOZm (gyú‘ ~r‘m `moOZm) ES>bdmBg bmB’$ - OZ gwajm 13 Jmo {S>{OQ> bmB’$ B§í`moa|g {b{‘Q>oS> {S>{OQ> ½bmo bmBQ> Q>‘© bmB’$ B§í`moa|g {S>{OQ> bmB’$ J«wn ‘mBH«$mo Q>‘© B§í`moa|g 14 EMS>rE’$gr bmB’$ B§í`moa|g H§$nZr {b{‘Q>oS> EMS>rE’$gr bmB’$ J«wn OrdZ gwajm (gyú‘ ~r‘m CËnmX) EMS>rE’$gr bmB’$ J«wn gwajm (gyú‘ ~r‘m CËnmX) 15 AmB©grAmB©grAmB© àyS|>{e`b bmB’$ B§í.H§$.{b. 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(Oo) Ho$ àmdYmZm| H$m C„§KZ {H$`m& ~r‘mH$Vm© Zo AmCQ>gmo{gªJ [aQ>Z© ‘| J{V{d{Y`m| H$s [anmoQ>© Z H$aZo Ho$ {bE AmB©AmaS>rEAmB© (^maVr` ~r‘mH$Vm©Am| Ûmam H$m`©H$bmnm| H$m ~møòmo{VH$aU) {d{Z`‘, 2017 Ho$ {d{Z`‘-21 H$m C„§KZ {H$`m& 176 Annual Report 2024-25AZw~§Y Omar... AZw~§Y 9 {dÎm df© 2024-25 Ho$ Xm¡amZ àm{YH$aU Ûmam bJmE JE Ow_m©Zo H«$. g§ñWm H$m Zm_ Ow_m©Zo H$s Ow_m©Zm AmXoe Omar {H$E JE C„§KZ H$m g§. am{e (é. _|) H$aZo H$s {V{W g§{já {ddaU 8 ‘me© B§{S>`m ~«moH$g© 1 H$amo‹S> én`o 14-10-2024 ~«moH$a Zo ~r‘mH$Vm©Am| H$mo àr{‘`‘ Ho$ ^wJVmZ ‘| Xoar Ho$ {bE AmB©AmaS>rEAmB© (~r‘m ~«moH$a) {d{Z`‘, 2018 Ho$ {d{Z`‘-33

(2) Ho$ VhV AZwgyMr-II (’$m°‘©-`y) Ho$ I§S>-E’$ Ho$ àmdYmZm| H$m C„§KZ {H$`m& ZmoQ>: AmXoe ‘mZZr` à{V^y{V Anrbr` Ý`m`m{YH$aU (EgEQ>r) Ho$ g‘j {dMmamYrZ h¡& 9 am°`b gw§Xa‘ OZab 1 H$amo‹S> én`o 23-01-2025 ~r‘mH$Vm© H$mo ~r‘mH$Vm© H$s nwñVH$m| ‘| ñdmñÏ` Xmdm| H$mo ~§X H$aZo B§í`moa|g H§$nZr {b{‘Q>oS> Ho$ {bE AmB©AmaS>rEAmB© (ñdmñÏ` ~r‘m) {d{Z`‘, 2016 Ho$ {d{Z`‘ 27 (dr) Ho$ àmdYmZm| Ho$ C„§KZ Ho$ {bE MoVmdZr Xr JB© Am¡a AmCQ>gmo{gªJ [aQ>Z© ‘| AmCQ>gmo{gªJ J{V{d{Y`m| H$s [anmoQ>© Z H$aZo Ho$ {bE AmB©AmaS>rEAmB© (^maVr` ~r‘mH$Vm©Am| Ûmam H$m`©H$bmnm| H$m ~møòmo{VH$aU) {d{Z`‘, 2017 Ho$ {d{Z`‘ 21 Ho$ àmdYmZm| Ho$ C„§KZ Ho$ {bE ~r‘mH$Vm© na Ow‘m©Zm bJm`m J`m& 10 `yAmB©~r B§í`moa|g ~«moH$g© 1 H$amo‹S> én`o 19-02-2025 ~«moH$a Zo ~r‘mH$Vm©Am| H$mo àr{‘`‘ Ho$ ^wJVmZ ‘| Xoar Ho$ {bE àmBdoQ> {b{‘Q>oS> AmB©AmaS>rEAmB© (~r‘m ~«moH$a) {d{Z`‘, 2018 Ho$ {d{Z`‘-33

(2) Ho$ VhV AZwgyMr-II (’$m°‘©-`y) Ho$ I§S>-E’$ Ho$ àmdYmZm| H$m C„§KZ {H$`m& Annual Report 2024-25 177AZw~§Y AZw~§Y 10 (i) ^maVr¶ Amœm{gV OrdZ ‘¥ËWw Xa (AmB©EEbE‘) 2012-14 ‘mZH$ Xa| - nwéf ~r‘mH¥$V OrdZ Omo àma§^ ‘| {M{H$ËgH$s¶ én go {b{IV hmoVo §h¢ Am`w qx (J«oOwEQ>oS>) Am`w qx (J«oOwEQ>oS>) Am`w qx (J«oOwEQ>oS>) 2 0.000915 40 0.00168 78 0.051024 3 0.00047 41 0.001815 79 0.056231 4 0.000271 42 0.001969 80 0.061985 5 0.000185 43 0.002144 81 0.068338 6 0.000152 44 0.002345 82 0.07535 7 0.000149 45 0.002579 83 0.083082 8 0.000167 46 0.002851 84 0.091601 9 0.000206 47 0.003168 85 0.100979 10 0.000265 48 0.003536 86 0.111291 11 0.000341 49 0.003958 87 0.122616 12 0.000429 50 0.004436 88 0.135037 13 0.000522 51 0.004969 89 0.148639 14 0.000614 52 0.00555 90 0.163507 15 0.000698 53 0.006174 91 0.179726 16 0.00077 54 0.006831 92 0.19738 17 0.000829 55 0.007513 93 0.216547 18 0.000874 56 0.008212 94 0.237302 19 0.000905 57 0.008925 95 0.259706 20 0.000924 58 0.009651 96 0.283813 21 0.000934 59 0.010393 97 0.309659 22 0.000937 60 0.011162 98 0.337265 23 0.000936 61 0.011969 99 0.36663 24 0.000933 62 0.012831 100 0.397733 25 0.000931 63 0.013765 101 0.430529 26 0.000931 64 0.014792 102 0.46495 27 0.000934 65 0.015932 103 0.500904 28 0.000942 66 0.017206 104 0.538278 29 0.000956 67 0.018635 105 0.576942 30 0.000977 68 0.02024 106 0.616752 31 0.001005 69 0.02204 107 0.657553 32 0.001042 70 0.024058 108 0.699191 33 0.001086 71 0.026314 109 0.741515 34 0.00114 72 0.028832 110 0.784383 35 0.001202 73 0.031638 111 0.827673 36 0.001275 74 0.034757 112 0.871285 37 0.001358 75 0.038221 113 0.915145 38 0.001453 76 0.042061 114 0.959214 39 0.00156 77 0.046316 115 1 {Q>ßnUr:

1.A§{V‘ OÝ‘{XZ na Am`w

2. qx(J«oOwEQ>oS>) Xa| J«oOwEQ>oS> ‘¥Ë¶w Xa h¡ 178 Annual Report 2024-25AZw~§Y AZw~§Y 10 (ii) ^maVr` d¡`{º$H$ dm{f©H$sJ«mhr H$s _¥Ë`w Xa Vm{bH$m (2012-15) g_J« / g§`wº$ _¥Ë`w Xa AmB©AmaS>rEAmB© (OrdZ ~r_m ì`dgm` H$s n[ag§n{Îm`m§, Xo`VmE§ Am¡a emoYZ j_Vm _m{O©Z) {d{Z`_, 2016 Ho$ {d{Z`_ 4 Ho$ AW© _| Am`w H«${_H$ _¥Ë`w Xa Am`w H«${_H$ _¥Ë`w Xa 20 0.000284 68 0.013447 21 0.000305 69 0.01484 22 0.000328 70 0.016393 23 0.000353 71 0.018128 24 0.000379 72 0.020067 25 0.000407 73 0.022236 26 0.000438 74 0.024662 27 0.000471 75 0.027379 28 0.000507 76 0.030422 29 0.000545 77 0.03383 30 0.000586 78 0.037651 31 0.000631 79 0.041932 32 0.000679 80 0.04673 33 0.000731 81 0.052106 34 0.000787 82 0.058127 35 0.000847 83 0.064868 36 0.000913 84 0.07241 37 0.000984 85 0.08084 38 0.001061 86 0.090252 39 0.001144 87 0.100746 40 0.001234 88 0.112428 41 0.001332 89 0.125408 42 0.001438 90 0.139798 43 0.001553 91 0.155712 44 0.001679 92 0.17326 45 0.001815 93 0.192548 46 0.001964 94 0.213673 47 0.002125 95 0.236719 48 0.002302 96 0.261749 49 0.002495 97 0.288807 50 0.002705 98 0.317906 51 0.002936 99 0.349031 52 0.003188 100 0.382129 53 0.003464 101 0.417111 54 0.003768 102 0.453851 Annual Report 2024-25 179AZw~§Y Omar... AZw~§Y 10 (ii) ^maVr` d¡`{º$H$ dm{f©H$sJ«mhr H$s _¥Ë`w Xa Vm{bH$m (2012-15) g_J« / g§`wº$ _¥Ë`w Xa Am`w H«${_H$ _¥Ë`w Xa Am`w H«${_H$ _¥Ë`w Xa 55 0.004101 103 0.49219 56 0.004468 104 0.531933 57 0.004871 105 0.572866 58 0.005316 106 0.614755 59 0.005807 107 0.657357 60 0.006349 108 0.700435 61 0.006948 109 0.743762 62 0.007612 110 0.787136 63 0.008347 111 0.830382 64 0.009163 112 0.873364 65 0.01007 113 0.915987 66 0.011077 114 0.958198 67 0.012198 115 0.99999 180 Annual Report 2024-25AZw~§Y AZw~§Y 11 Q>rnrE-dma ZoQ>dH©$ g‘Pm¡Vo H«$ 31 _mM© 2024-25 Ho$ 2024-25 Ho$ 31 _mM© Q>rnrE H$m Zm_ g§. 2024 VH$ Xm¡amZ Omo‹S>o JE Xm¡amZ hQ>mE JE 2025 VH$ 1 AZ‘mob ‘o{S>Ho$`a B§í`moa|g Q>rnrE {b{‘Q>oS>$ 641 0 0 0 2 AH$Zm hoëW B§í`moa|g Q>rnrE àmBdoQ> {b{‘Q>oS> 6,118 8,046 0 14,164 3 dmobmo hoëW B§í`moa|g Q>rnrE àmBdoQ> {b{‘Q>oS> (nyd© ‘| B©ñQ> doñQ> A{gñQ> B§í`moa|g Q>rnrE àmBdoQ> {b{‘Q>oS>) 9,309 4,532 3,635 10,206 4 E[aŠgZ B§í`moa|g Q>rnrE àmBdoQ> {b{‘Q>oS> 13,394 1,216 146 14,464 5 ’¡$‘br hoëW ßbmZ B§í`moa|g Q>rnrE {b{‘Q>oS> 26,644 1,830 217 28,257 6 Oo{ZÝg B§{S>`m B§í`moa|g Q>rnrE {b{‘Q>oS> 7,646 722 208 8,160 7 JwS> hoëW B§í`moa|g Q>rnrE {b{‘Q>oS> 9,608 805 227 10,186 8 hoëW B§{S>`m B§í`moa|g Q>rnrE g{d©goO àmBdoQ> {b{‘Q>oS> 15,920 1,368 309 16,979 9 hoëW B§í`moa|g Q>rnrE Am°’$ B§{S>`m {b{‘Q>oS> 8,443 1,298 51 9,690 10 ho[aQ>oO hoëW B§í`moa|g Q>rnrE àmBdoQ> {b{‘Q>oS> 15,260 3,500 872 17,888 11 qbH$-Ho$ B§í`moa|g Q>rnrE àmBdoQ> {b{‘Q>oS> 12,759 18,382 0 31,141 12 E‘S>rB§{S>`m hoëW B§í`moa|g Q>rnrE àmBdoQ> {b{‘Q>oS> 24,103 4,772 4,191 24,684 13 ‘oS>r A{gñQ> B§í`moa|g Q>rnrE àmBdoQ> {b{‘Q>oS> 19,305 2,187 1,288 20,204 14 ‘oS>god hoëW B§í`moa|g Q>rnrE {b{‘Q>oS> 8,865 1,015 41 9,839 15 n¡am‘mC§Q> hoëW g{d©goO E§S> B§í`moa|g Q>rnrE àmBdoQ> {b{‘Q>oS> 25,115 2,317 387 27,045 16 nmH©$ ‘o{S>Šbo‘ B§í`moa|g Q>rnrE àmBdoQ> {b{‘Q>oS> 6,012 756 249 6,519 17 ajm hoëW B§í`moa|g Q>rnrE àmBdoQ> {b{‘Q>oS>@ 12,569 0 0 0 18 go’$do B§í`moa|g Q>rnrE àmBdoQ> {b{‘Q>oS> 10,156 1,773 305 11,624 19 {dS>mb hoëW B§í`moa|g Q>rnrE àmBdoQ> {b{‘Q>oS> 12,150 823 207 12,766 20 {dµOZ {S>{OQ>b B§í`moa|g Q>rnrE àmBdoQ> {b{‘Q>oS> * 0 0 0 0 Hw$b ZoQ>dH©$ AñnVmb** 2,44,017 55,342 12,333 2,73,816

1. * `h Q>rnrE Mmby {dÎmr` df© ‘| g{H«$` Zht h¡& {dµOZ {S>{OQ>b B§í`moa|g Q>rnrE àmBdoQ> {b{‘Q>oS> H$m n§OrH$aU à‘mU nÌ g‘`-gr‘m Ho$ H$maU g‘má hmo J`m Wm Am¡a AmB©AmaS>rEAmB© Ho$ {XZm§H$ 04.10.2021 Ho$ AmXoe, {Og‘| Q>rnrE Ho$ ZdrZrH$aU AmdoXZ H$mo AñdrH$ma {H$`m J`m Wm, na ‘mZZr` {X„r Cƒ Ý`m`mb` Zo S>ãbynr(gr) 10379/2021 ‘| amoH$ bJm Xr h¡& ‘m‘bm Ý`m`mb` ‘| {dMmamYrZ h¡&

2. ** hmo gH$Vm h¡ {H$ AñnVmbm| Zo EH$ go A{YH$ Q>rnrE Ho$ gmW g‘Pm¡Vm {H$`m hmo&

3. $AZ‘mob ‘o{S>Ho$`a B§í`moa|g Q>rnrE {b{‘Q>oS>, n§OrH$aU g§»`m 27 Ho$ gr.Amo.Ama. Ho$ ZdrZrH$aU AmdoXZ H$mo {XZm§H$ 04.07.2024 Ho$ AmXoe Ûmam AñdrH$ma H$a {X`m J`m&

4. @ajm hoëW B§í`moa|g Q>rnrE àmBdoQ> {b{‘Q>oS> H$m ‘oS>r A{gñQ> B§í`moa|g Q>rnrE àmBdoQ> {b{‘Q>oS> ‘| {db` hmo J`m h¡, Omo 01 OZdar, 2025 go à^mdr hmoJm& Annual Report 2024-25 181ANNUAL REPORT 2024-25 INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY OF INDIA Head Office Survey No. 115/1, Financial District, Nanakramguda, Gachibowli, Hyderabad – 500032, India

Phone: +91-40-20204000 iThis Report is in conformity with the format as per the Insurance Regulatory and Development Authority (Annual Report-Furnishing of Return, Statements and Other Particulars) Rules, 2000.

iiivCONTENTS Mission Statement xix Members of the Authority xxi Senior Officials at IRDAI xxiii Part I POLICIES AND PROGRAMMES I.1 Review of General Economic Environment 7 I.2 Appraisal of Insurance Market 10 I.3 Number and Details of Registered Insurers/Reinsurers 25 I.4 Policies and Measures to Develop Insurance Market 26 I.5 Research and Development Activities Undertaken by the Insurers 28 I.6 Review 30 I.6.1 Protection of Interests of Policyholders 30 I.6.2 Maintenance of Solvency Margins of Insurers 32 I.6.3 Monitoring of Reinsurance 33 I.6.4 Monitoring Investments of the Insurers 36 I.6.5 Health Insurance 39 I.6.6 Specified Percentage of Business to be done in Rural and Social Sector 46 I.6.7 Accounts and Actuarial Standards 48 I.6.8 Directions, Orders, and Regulations given by the Authority 48 I.6.9 Powers and Functions Delegated by the Authority 48 I.6.10 Other Policies and Programmes having a bearing on the working 49 of the Insurance Market Part II REVIEW OF WORKING AND OPERATIONS II.1 Regulation of Insurance and Reinsurance Companies 61 II.2 Insurance Agents and Intermediaries Associated with Insurance Business 63 II.3. Professional Institutes connected with Insurance Education 74 II.4 Litigations, Appeals and Other Court Pronouncements 77 II.5 International Cooperation in Insurance 78 II.6 Grievances 81 viiII.7 Functioning of the Advisory Committees 84 II.8 Functioning of Ombudsman 85 II.9 Insurance Associations and Insurance Councils 86 II.10 Other Activities having a Bearing on the Insurance Market 87 Part III STATUTORY AND DEVELOPMENTAL FUNCTIONS OF THE AUTHORITY III.1 Issue to the Applicant a Certificate of Registration, Renew, Modify, 95 Withdraw, Suspend or Cancel such Registration III.2 Protection of the Interests of Policyholders in matters concerning assigning of policy, nomination of policyholders, insurable interest, settlement of insurance claim, surrender value of policy and other terms and conditions of contracts of insurance. 95 III.3 Specifying Requisite Qualifications, Code of Conduct and 96 Practical Training for Intermediaries or Insurance Intermediaries and Agents.

III.4 Specifying the Code of Conduct for Surveyors and Loss Assessors 96 III.5 Promoting Efficiency in the Conduct of Insurance Business 96 III.6 Promoting and Regulating Professional Organizations Connected 107 with the Insurance and Reinsurance Business III.7 Levying Fees and Other Charges for Carrying Out the Purposes of the Act 107 III.8 Calling information from, undertaking inspection of, conducting enquiries 108 and investigations including audit of the insurers, intermediaries, insurance intermediaries and other organizations connected with the insurance business III.9 Control and Regulation of Rates, Advantages, Terms and Conditions 109 that may be Offered by Insurers in respect of General Insurance Business not so Controlled and Regulated by the Tariff Advisory Committee under Section 64U of the Insurance Act,1938 (4 of 1938) III.10 Specifying the Form and Manner in which Books of Accounts shall be 110 Maintained and Statements of Accounts shall be Rendered by Insurers and Other Insurance Intermediaries III.11 Regulating Investment of Funds by Insurance Companies 110 III.12 Regulating Maintenance of Margin of Solvency 111 III.13 Adjudication of Disputes between Insurers and Intermediaries or 112 Insurance Intermediaries III.14 Specifying the Percentage of Life Insurance Business and General Insurance business to be undertaken by the Insurers in the Rural and Social Sector. 112 viiiPART IV ORGANIZATIONAL MATTERS IV.1 Organization 117 IV.2 Human Resources 119 IV.3 Promotion of Official Language 123 IV.4 Information Technology 126 IV.5 Accounts 128 IV.6 Acknowledgements 128 BOX ITEMS I.1 Bima-ASBA (Bima-Applications Supported by Blocked Amount) 27 - Enhancing transparency and trust in premium collection I.2 MoU between FIU-IND and IRDAI for enhanced coordination 51 and information exchange II.1 Assessment of Indian Insurance Sector: FSAP 80 III.1 Empowering Retail Policyholders through Master Circular 103 on General Insurance Products, 2024 III.2 Master Circular on Protection of Policyholders’ Interests, 2024 106 TABLES PART I Table I.1 Global Growth In Real GDP 7 Table I.2 National Income Estimates of India 8 Table I.3 Estimates of Gross Value Added (GVA) by Economic Activity 8 Table I.4 Financial Savings of the Household Sector 10 Table I.5 Growth in Real Premium by Region in the World in 2024 11 Table I.6 Premium Volume by Region in the World in 2024 11 Table I.7 Insurance Penetration – India Vs World (% age) 12 Table I.8 Insurance Density– India vs World (USD) 12 Table I.9 Business Performance of Life Insurers 15 Table I.10 Financial Performance of Life Insurers 17 Table I.11 Actual Death Claims of Life Insurers 18 Table I.12 Business Performance of General, Health and Specialized Insurers 19 Table I.13 Financial Performance of General, Health and Specialized Insurers 21 Table I.14 Segment-wise Incurred Claims Ratio of General, Health & 22 Specialized Insurers ixTable I.15 Line of Business-wise Claims paid by 23 General Insurers (excl. Health Insurance Business) Table I.16 Offices of Life Insurers 24 Table I.17 Offices of General, Health and Specialized Insurers 25 Table I.18 Number of Registered Insurers and Reinsurers 25 Table I.19 Reinsurance Placement by General & Health Insurers 35 Table I.20 Net Retention of General and Health Insurers 35 Table I.21 Investments of Insurance Industry 36 Table I.22 Category-wise Investments of Life Insurers 37 Table I.23 Fund-wise Investments of Life Insurers 38 Table I.24 Investments of General, Health, Specialized Insurers 39 & Reinsurers: Category-wise Table I.25 Health Insurance Premium Underwritten by General & Health Insurers 39 Table I.26 Policies, Lives Covered, and Premium under Health Insurance Business of General & Health Insurers 40 Table I.27 Incurred Claims Ratio under Health Insurance Business of 41 General & Health Insurers Table I.28 Claims Paid under Health Insurance Business of 42 General and Health Insurers Table I.29 Status of Claims under Health Insurance Business of General & Health Insurers 43 Table I.30 Number of Policies, Lives Covered and Premium 43 under Health Insurance Business of Life Insurers Table I.31 Status of Claims under Health Insurance Business of Life Insurers 44 Table I.32 Business under Personal Accident Insurance 44 Table I.33 Coverage under Government Flagship Personal Accident Schemes 45 Table I.34 Business under Overseas Travel Insurance 45 Table I.35 Business under Domestic Travel Insurance 45 Table I.36 Health, PA and Travel Insurance Business Underwritten Outside India 45 PART II Table II.1 Insurance Agents Associated with Life, General and Health Insurers 64 Table II.2 Gender-wise Distribution of Individual Agents associated with 64 Life, General and Health Insurers Table II.3 Corporate Agents Active with Insurance Business 65 Table II.4 Performance of Micro Insurance Business in Life Insurance Sector 66 Table II.5 Micro Insurance Agents of Life Insurers 66 xTable II.6 Performance of Micro Insurance Business under General Insurers 67 Table II.7 Number of POSPs with various Sponsoring Agencies 69 Table II.8 Number of MISPs with various Sponsoring Agencies 69 Table II.9 Number of SLA Licences Issued. 70 Table II.10 Contribution of Insurance Agents and Intermediaries in 72 Life Insurance New Business Premium Table II.11 Contribution of Insurance Agents and Intermediaries in 73 General Insurance Business Table II.12 Contribution of Insurance Agents and Intermediaries in 74 Health Insurance (Excl. PA & Travel) Table II.13 Details of the cases filed during 2024-25 77 Table II.14 Details of Cases Disposed/Dismissed for the period 2024-25 77 Table II.15 Analysis of Grievances Registered during 2024-25 82 Table II.16 Grievances on Unfair Business Practices (UFBP) Registered against Life Insurers 82 Table II.17 Status of Grievances as per Bima Bharosa portal 83 Table II.18 Grievances Registered in DARPG Portal and Referred to IRDAI 84 Table II.19 Pendency of Grievances 84 PART III Table III.1 Details of On-site inspections during 2024-25 108 Table III.2 On site and remote inspection reports concluded during 2024-25 109 Table III.3 Details of Regulatory Actions 109 PART IV Table IV.1 Composition of the Authority as on 31st March 2025 118 Table IV.2 Details of Meetings of the Authority 118 Table IV.3 Details of Meetings of Authority held during 2024-25 118 Table IV.4 Sanctioned and Actual Staff Strength in IRDAI 119 Table IV.5 Category-wise Staff Strength in IRDAI 119 Table IV.6 Age-wise Distribution of Staff in IRDAI 120 Table IV.7 Grade-wise Staff Strength in IRDAI 120 xiCHARTS I.1 Percentage Shares of Sectors in GVA at Current Price in 2024-25 9 I.2 Domestic Savings in Indian Economy 9 I.3 Insurance Penetration in India 12 I.4 Insurance Density in India 13 I.5 Insurance Penetration in Select Countries in 2024 13 I.6 Insurance Density In Select Countries 2024 13 I.7 New Business Premium of Life Insurers 14 I.8 Renewal Premium of Life Insurers 14 I.9 Total Premium of Life Insurers 14 I.10 Segment-wise Premium of Life Insurers 15 I.11 Profit after Tax of Life Insurers 16 I.12 Benefits Paid by Life Insurers 18 I.13 Premium underwritten within India by Non-Life Insurers 19 I.14 Operating Expenses of General and Health insurers 20 I.15 Net Incurred Claims of General and Health Insurers 22 I.16 Claims Paid (excl. Health Insurance Business) by General Insurers 23 I.17 Tier-wise Distribution of Offices of Life Insurers 24 I.18 Tier-wise Distribution of Offices of General, Health, and Specialised Insurers 24 I.19 Gross Reinsurance Premium of Reinsurers including FRBs 35 I.20 Sector-Wise Share In Premium of Health Insurance 40 I.21 Trend In Health Insurance Premium (Excl. PA & Travel Insurance) 40 I.22 Lives Covered (in lakhs) and Premium under Health Insurance 41 excl. PA & Travel I.23 Net Incurred Claims Under Health Insurance 41 I.24 Trend in Incurred Claim ratio under Health Insurance: Sector-wise 41 I.25 Trend in Incurred Claim Ratio under Health Insurance: Segment-wise 42 I.26 Health Insurance Premium of Life Insurers 43 II.1 Gender distribution of Individual Agents in Insurance Industry 65 II.2 Contribution of Agents and Intermediaries in Life Insurance 72 Individual New Business Premium II.3 Contribution of Agents and Intermediaries in Life Insurance Group New Business 72 II.4 Contribution of Agents and Intermediaries in General Insurance Business 73 II.5 Contribution of Insurance Agents and Intermediaries in Health Insurance (Excl. PA & Travel) 74 II.6 Classification of Life Insurance Grivances 83 II.7 Classification of General and Health Insurance Grivances 83 IV.1 Age-wise distribution of Staff in IRDAI 120 IV.2 Grade-wise distribution of Staff in IRDAI 120 xiiSTATEMENTS 1 International Comparison of Insurance Penetration 131 2 International Comparison of Insurance Density 132 3 Total Premium Underwritten by Life Insurers 133 4 Linked and Non-Linked Premium of Life Insurers for 2024-25 134 5 Segment-wise Total Premium of Life Insurers for 2024-25 135 6 Equity Share Capital of Life Insurers 136 7 Gross Direct Premium of General and Health Insurers (Within and Outside India) 137 8 Segment-wise Gross Direct Premium Income of General & Health Insurers (Within India) 138 9 Equity Share Capital of General & Health Insurers and Reinsurers 140 10 Incurred Claims Ratio of General and Health Insurers (Within India) 142 11 Solvency Ratio of Life Insurers 143 12 Solvency Ratio of General, Health & Specialised Insurers and Reinsurers 144 13 Solvency Ratio of Branches of Foreign Reinsurers (FRBs) 145 14 Gross Reinsurance Premium of Reinsurers including FRBs 146 15 Assigned Capital of Branches of Foreign Reinsurers 147 16 Assets Under Management of Life Insurers 148 17 Assets Under Management of General, Health, Specialized Insurers and Reinsurers151

18. Reinsurance Premium Ceded: Segment-wise 153 ANNEXURES 1 List of Registered Insurers/Reinsurers Operating In India 157 (as On 31st March 2025) 2(i) Members’ Share in Indian Market Terrorism Risk Insurance Pool (IMTRIP) 159 2(ii) Members’ Share of in Indian Nuclear Insurance Pool (INIP) 160 2(iii) Members’ Share in Marine Cargo Excluded Territories Pool (MCET Pool) 161 3 Motor Third Party Insurance Market Share of General insurers in the FY 2024-25 for the determination of MTP obligations for FY 2025-26 162 4 Circulars/Orders/Guidelines/Instructions issued 163 from 1st April 2024 to 31st March 2025 5 Regulations framed under the Insurance Act, 1938 and IRDA Act, 1999 up to 31st March 2025 165 6 List of Micro Insurance Products offered by Life Insurers 171 7 Number of Products and Riders during FY 2024-25 172 8 Fee Structure for Insurers and Intermediaries & Fee Collected in FY 2024-25 173 9 Penalties Levied By the Authority during 2024-25 175 10(i) Indian Assured Lives Mortality (IALM) - 2012-14 178 10(ii) Indian Individual Annuitant's Mortality Table (2012-15) 179 11 TPA-wise Network Agreements 181 xiiiABBREVIATIONS

AFIR : Asian Forum of Insurance Regulators

AML : Anti-Money Laundering

ASSOCHAM : Associated Chambers of Commerce & Industry of India

CBR : Cross Border Reinsurer

CFT : Countering the Financing of Terrorism

CII : Confederation of Indian Industry

CIO : Chief Information Officer

CIS : Customer Information Sheet

CoR : Certificate of Registration

CPIO : Central Public Information Officer

CPSC : Common Public Service Center

CSC : Common Service Centre

DARPG : Department of Administrative Reforms and Public Grievances

DFS : Department of Financial Services

FAA : First Appellate Authority

FATF : Financial Action Task Force

FICCI : Federation of Indian Chambers of Commerce & Industry FIU-IND : Financial Intelligence Unit- India

FRB : Foreign Reinsurance Branch

FRN : Filing Reference Number

FSB : Financial Stability Board

GDP : Gross Domestic Product

GNDI : Gross National Disposable Income

GVA : Gross Value Added

IAC : Insurance Advisory Committee

IAIS : International Association of Insurance Supervisors

ICR : Incurred Claims RatioIGCC : IRDAI Grievance Call Centre

IIB : Insurance Information Bureau of India

IIISLA : Indian Institute of Insurance Surveyors and Loss Assessors

IIRM : Institute of Insurance and Risk Management

IMFs : Insurance Marketing Firms

INFE : International Network on Financial Education

IRCTC : Indian Railway Catering and Tourism Corporation

IRDAI : Insurance Regulatory and Development Authority of India

KMP : Key Managerial Personnel

KYC : Know Your Customer

LPA : Letter Patent Appeal

MACT : Motor Accident Claims Tribunal

MFI : Micro Finance Institution

MISP : Motor Insurance Service Provider

MoRTH : Ministry of Road Transport & Highways

NBFC : Non-Banking Financial Company

NCDRC : National Consumer Disputes Redressal Commission

NGOs : Non-Governmental Organizations

NOC : No Objection Certificate

NSO : National Statistical Office

OECD : Organization for Economic Co-operation and Development

PMC : Product Management Committee

PMFBY : Pradhan Mantri Fasal Bima Yojana

PMJDY : Pradhan Mantri Jan Dhan Yojana

PMJJBY : Pradhan Mantri Jeevan Jyoti Bima Yojana

PMLA : Prevention of Money Laundering Act

PMSBY : Pradhan Mantri Suraksha Bima Yojana

xviPMVVY : Pradhan Mantri Vaya Vandana Yojana

POSP : Point of Sales Person

PSU : Public Sector Undertaking

RAP : Rural Authorized Person

RBI : Reserve Bank of India

RBSF : Risk-Based Supervisory Framework

RBC : Risk-Based Capital

RSM : Required Solvency Margin

RTI : Right to Information

SAHI : Stand-alone Health Insurer

SEBI : Securities and Exchange Board of India

SHGs : Self Help Groups

SLA : Surveyors and Loss Assessors

SPV : Special Purpose Vehicle

TOLIC : Town Official Language Implementation Committee

TPA : Third Party Administrator

UFBP : Unfair Business Practices

ULIP : Unit-Linked Product

USD : United States Dollar

VLE : Village Level Entrepreneur xviiMISSION STATEMENT (cid:57) To protect the interest of and secure fair treatment to policyholders; (cid:57) To bring about speedy and orderly growth of the insurance industry (including annuity and superannuation payments), for the benefit of the common man and to provide long term funds for accelerating growth of the economy;

(cid:57) To set, promote, monitor and enforce high standards of integrity, financial soundness, fair dealing and competence of those it regulates; (cid:57) To ensure speedy settlement of genuine claims, to prevent insurance frauds and other malpractices and put in place effective grievance redressal machinery;

(cid:57) To promote fairness, transparency and orderly conduct in financial markets dealing with insurance and build a reliable management information system to enforce high standards of financial soundness amongst market players;

(cid:57) To take action where such standards are inadequate or ineffectively enforced; (cid:57) To bring about optimum amount of self-regulation in day-to-day working of the industry consistent with the requirements of prudential regulation.

xixINSURANCE REGULATORY AND DEVELOPMENT AUTHORITY OF INDIA Members of the Authority Chairperson Shri Debasish Panda (upto 13th March 2025) Shri Ajay Seth (from 1st September 2025) Whole-Time Member (Actuary) Shri Parmod Kumar Arora Whole-Time Member (Finance & Investment) Shri Rajay Kumar Sinha Whole-Time Member (Life) Shri B C Patnaik (upto 14th November 2024) Shri Swaminathan S Iyer (from 1st May 2025) Whole-Time Member (Distribution) Shri Satyajit Tripathy(from 24th May 2024) Whole-Time Member (Non-Life) Shri Deepak Sood (from 20th August 2024) Part-Time Member Dr. Maruthi Prasad Tangirala (upto 17th April 2025) Part-Time Member Shri Parshant Kumar Goyal (from 17th April 2025) Part-Time Member CA Ranjeet Kumar Agarwal (up to 11th February 2025) Part-Time Member CA Charanjot Singh Nanda (from 12th February 2025) xxiSENIOR OFFICIALS OF IRDAI (As on 31st March 2025) EXECUTIVE DIRECTORS Shri Randip Singh Non-Life, Health, and Economic & Policy Analysis and Research (upto 25.04.2025) Smt. J. Meena Kumari Life & Supervision Shri A.R. Nithiyanantham General Administration & HR, Legal and IT CHIEF GENERAL MANAGERS Shri A. Ramana Rao General Administration & HR Shri S.P. Chakraborty Actuarial Shri Raj Kumar Sharma Policyholder Protection & Grievance Redressal and Enforcement & Compliance Shri D.V.S. Ramesh Insurance Inclusion and Development Shri G.R. Suryakumar Finance & Investment Shri P.S. Jagannatham GA & HR (upto 30.11.2024) Smt. Anita Josyula Intermediaries (Corporate Agents and Brokers) Shri T.S. Naik Supervision & Economic & Policy Analysis and Research Shri Sudipta Bhattacharya Intermediaries (SLA, IR, WA & Others) Shri K. Mahipal Reddy On deputation to IFSCA, Gandhinagar.

Smt. K.G.P.L. Ramadevi Non-Life Shri M.S. Jayakumar Life GENERAL MANAGERS Shri A. Venkateswara Rao Policyholder Protection and Grievance Redressal Shri Prabhat Kumar Maiti Actuarial and Chief Vigilance Officer Shri T. Venkateswara Rao Enforcement and Compliance, Internal Audit (upto 30.06.2025) Shri Pankaj Kumar Tewari Economic & Policy Analysis and Research Shri Ammu Venkata Ramana Finance and Investment Shri C. Srinivas Kumar Actuarial Shri N.S.K. Prabhakar Life Shri Manoj Kumar Health Shri Mahesh Aggarwal Finance and Investment Shri Shardul Admane Reinsurance Smt. B. Padmaja Chairman’s Secretariat and Board Secretariat Shri D.S. Murthy Supervision Shri Deepak Khanna GA & HR (IT, General Administration) Shri Deepak Gaikwad Intermediaries Shri Prasad Rao Kalayru Legal Shri Suresh Nair Non-Life Smt. Nimisha Srivastava Insurance Inclusion and Development Smt. R. Uma Maheswari Intermediaries Smt. Latha C. Finance and Investment Shri Sanjay Kumara Verma Enforcement and Compliance Ms. Shiksha Shaha Intermediaries Ms. Susan Ittyerah Finance and Investment Shri Gautam Kumar Policyholder Protection and Grievance Redressal xxiiiHighlightsHIGHLIGHTSHIGHLIGHTSPART – I PART – I Policies and Programmes POLICIES AND PROGRAMMESPOLICIES AND PROGRAMMES I.1 REVIEW OF GENERAL ECONOMIC and 3.0 per cent for the years 2025 and 2026 and ENVIRONMENT the growth rates of advanced economies, projected at 1.2 per cent in 2025 and 1.5 per cent in 2025. This I.1.1 The International Monetary Fund (IMF), in its consistent outperformance underscores India’s April 2025 issue of World Economic Outlook Update, robust economic momentum compared to the global reported a slowdown in global growth as downside average and advanced economies.

risks intensified amid rising policy uncertainty and structural shifts in the global trade environment. Table I.1: Global Growth in Real GDP Following a series of unprecedented events in recent (annual percentage change) years—including the pandemic, geopolitical conflicts, and inflation surges—the global economy showed Particulars 2024 2025 (P) 2026 (P) signs of stabilization in 2024, with inflation gradually World Output 3.5 2.4 3.0 declining and labour markets returning to pre- Advanced pandemic levels. Under the reference forecast, global Economies 1.9 1.2 1.5 headline inflation was expected to decline to 4.3 Emerging Market percent in 2025 and to 3.6 percent in 2026. Growth and Developing remains modest and projections for global output Economies 4.8 3.3 4.0 have been revised downward from the January 2025 update. Growth was projected at 2.8 percent in 2025 China 5.4 3.2 4.2 and 3.0 percent in 2026, marking a cumulative India 7.5 6.2 6.3 downgrade of 0.8 percentage points from earlier P- Projections. Source: IMF, World Economic Outlook, April 2025 forecasts and remaining well below the 2000–2019 I.1.3 As per provisional estimates of National Income historical average of 3.7 percent. This reflects released by National Statistical Office (NSO), India’s heightened downside risks, including the potential Gross Domestic Product (GDP) at current prices in escalation of trade tensions and increased trade the year 2024-25 is estimated at `330.68 lakh crore, policy uncertainty.

as against `301.23 lakh crore in 2023-24, showing India’s Economic Performance & Outlook in a growth rate of 9.8 per cent. comparison with Global Trends The per capita GDP at current prices is `2,34,859 I.1.2 According to the IMF’s Outlook, India’s GDP during 2024-25 as compared to `2,15,935 in 2023- growth surpassed both the world average and that 24 showing a growth of 8.8 per cent. Per Capita of advanced economies. In 2024, India’s GDP grew Private Final Consumption Expenditure increased to by 7.5 per cent, significantly higher than the global `1,44,165 in 2024-25 from `1,29,967 in 2023-24 growth rate of 3.5 per cent and the 1.9 per cent growth registering a 10.9 per cent increase.

rate of advanced economies. This trend continues I.1.4 Aggregate supply, measured by Gross Value in the projections for 2025 and 2026 as well. For India, Added (GVA) at basic prices, expanded by 9.5 the growth outlook was relatively more stable at 6.2 percent in 2024-25 after registering an expansion of percent in 2025, supported by private consumption,

11.2 per cent in 2023-24. particularly in rural areas. This figure remains well above the world output growth rate of 2.4 per cent Annual Report 2024-25 7POLICIES AND PROGRAMMES Table I.2: National Income Estimates of India (at current prices) 2023-24* 2024-25# Growth (%) Item 2023-24 2024-25 Gross Value Added (GVA) at base prices (`lakh crore) 274.13 300.22 11.2 9.5 Gross Domestic Product (GDP) (`lakh crore) 301.23 330.68 12.0 9.8 Gross National Disposable Income (GNDI) (`lakh crore) 305.94 335.48 11.9 9.7 Per Capita GDP (`) 2,15,935 2,34,859 11.0 8.8 Per Capita GNDI (`) 2,19,312 2,38,270 10.9 8.6 Per Capita Private Final Consumption Expenditure (PFCE) (`) 1,29,967 1,44,165 8.7 10.9 *First Revised Estimates, #Provisional Estimates

Source: NSO, Press Note dated 30st May, 2025.

Table I.3: Estimates of Gross Value Added (GVA) by Economic Activity (At current prices) (` lakh crore) 2023-24* 2024-25# Growth (%) Industry 2023-24 2024-25 I. Primary Sector 54.10 59.26 9.1 9.5 Agriculture, Livestock, Forestry & Fishing 48.78 53.85 9.6 10.4 Mining & Quarrying 5.32 5.41 4.2 1.6 II. Secondary Sector 70.90 76.03 12.3 7.2 Manufacturing 39.22 41.69 10.9 6.3 Electricity, Gas, Water Supply & Other Utility Services 7.66 8.07 25.8 5.3 Construction 24.02 26.27 10.6 9.4 III. Tertiary Sector 149.13 164.93 11.5 10.6 Trade, Hotels, Transport, Communication & Services related to Broadcasting 48.29 52.57 9.4 8.9 Financial, Real Estate & Professional Services 62.44 68.82 11.5 10.2 Public Administration, Defence & Other Services 38.40 43.53 14.3 13.4 GVA at Basic Prices 274.13 300.22 11.2 9.5 *First Revised Estimates; #Provisional Estimates;

Source: NSO, Press Note dated 30th May, 2025 8 Annual Report 2024-25POLICIES AND PROGRAMMES I.1.5 Gross domestic savings as a percentage of in the general government savings position and stable gross national disposable income (GNDI) inched up contributions from non-financial and financial to 30.3 per cent in 2023-24 from 30.2 per cent in corporations. Notably, household net financial saving 2022-23, despite a continued decline in household showed a slight uptick to 5.1 per cent in 2023-24 savings, which fell to 17.9 per cent of GNDI from from 4.9 per cent in 2022-23.

18.3 per cent in the previous year. The modest rise in overall savings was supported by an improvement

Source: RBI Annual Report 2024-25 (Appendix, Table 3) Annual Report 2024-25 9POLICIES AND PROGRAMMES Table I.4: Financial Savings of the Household Sector (Per cent of Gross National Disposable Income) Item 2022-23 2023-24 Household Sector Savings 18.3 17.9 i. Net Financial Savings (A-B) 4.9 5.1 ii. Savings in physical assets 13.2 12.6 iii. Savings in the form of valuables 0.2 0.2 A. Gross Financial Savings (of which) 10.7 11.2

1. Currency 0.9 0.4

2. Deposits 4.1 4.5

3. Shares and Debentures 0.8 0.9

4. Claims on Government 0.8 1.1

5. Insurance Funds 2.0 1.9

6. Provident and Pension Funds 2.3 2.4 B. Financial Liabilities 5.8 6.1

Source: RBI Annual Report 2024-25. (Table II.2.2 and Appendix Table 3) I.2 Appraisal of Insurance Market I.2.1.2 The Swiss Re Sigma Report projects global non-life insurance premiums to grow by 2.6 per cent I.2.1 Appraisal of Global Insurance Market in real terms in 2025, after a significant higher growth I.2.1.1 The Swiss Re Sigma Report (No. 2/2025) of 4.7 per cent in 2024. Softer market conditions and highlights that after a strong performance in 2024, intensifying competition in personal and commercial premium growth in the world’s insurance industry is lines are the key drivers of this slowdown. Premium slowing on both the non-life and life sides, impacted growth is forecast to further ease to 2.3 per cent in by global economic slowdown and the unstable policy 2026.

environment. According to the Swiss Re estimates I.2.1.3 Health continues to dominate global non-life total premiums (life and non-life) to grow at 2 per insurance, accounting for 48 per cent of non-life cent in real terms in 2025 compared to 5.2 per cent market share in 2024. Global health premiums grew in 2024, with a marginal pick-up to 2.3 per cent in by 4.7 per cent in 2024, but it is forecasted that the

2026. Heightened geopolitical shifts and rising de- growth will moderate to 2.5 per cent in both 2025 globalisation rhetoric pose additional risks to the re/ and 2026. The deceleration reflects strong base insurance sector that relies on global risk pooling and effects and policy changes in US government funded international capital movements. Such fragmentation programmes, with reduced enrolment and funding.

would impede risk diversification, increases cost of However, health insurance pricing remains strong insurance and curtail the contribution of the industry due to slow disinflation in wages and healthcare to narrowing existing protection gaps.

expenses.

10 Annual Report 2024-25POLICIES AND PROGRAMMES I.2.1.4 According to the Swiss Re Sigma Report, driven by strong premium growth (8.1 per cent in global life insurance premiums in real terms rose nominal terms). With total premiums of USD 792 sharply by 6.1 per cent in 2024 on the back of strong billion, China has a 10 per cent market share. The demand for savings products, but are forecasted to UK retained its ranking at third place (premiums of grow by only 1.0 per cent in 2025 due to high base USD 485 billion) in 2024, followed by Japan and effects and heightened policy uncertainty in the US. France. Among other top 10 markets, Canada and The report projects that premium growth will recover Italy climbed one place higher in their ranking, to 2.4 per cent in 2026, which is above the long-term overtaking South Korea.

trend of 1.4 per cent CAGR during 2014–23. It further Indian Insurance in the Global Scenario notes that demand is expected to shift towards guaranteed savings products, while protection lines I.2.1.6 As per the Swiss Re Report, India remained such as mortality, critical illness and disability are the 10th largest insurance market in the world by likely to remain resilient owing to inelastic demand.

nominal premium volumes in 2024, with a global Over the next decade (2026–35), Swiss Re forecasts market share of 1.8 per cent. Since 2023, several global life premium growth to average 2.5 per cent measures have been introduced to address insurers’ annually, with premiums reaching USD 5.1 trillion by profitability concerns and the subsidy burden on state 2035, up from USD 3.5 trillion in 2026. The report governments, which may likely increase penetration adds that growth will be driven by demographic shifts, though a period of adjustment to new provisions.

higher interest rates and product innovation, with Swiss Re forecasts that life premiums in India will emerging markets contributing more strongly (171 grow below trend at 3.5 per cent in 2025 against the per cent increase versus 124 per cent in advanced 2014–23 CAGR of 4.9 per cent, as the market adapts markets) to changes in taxation, expenses and surrender Table I.5: Growth in Real Premium by Region in norms, before recovering to 5.7 per cent in 2026.

the World in 2024 (In per cent) Regions Life Non-Life Total Table I.6: Premium Volume by Region in the Advanced Markets 3.9 4.5 4.3 World in 2024 (in USD billion) Emerging markets 13.1 5.8 9.6 Regions Life Non-Life Total Asia-Pacific 3.1 3.6 5.0 Advanced Markets 2,406.10 3,917.87 6,323.97 India 2.3 0.2 1.7

(38) (62) (100) World 6.1 4.7 5.2 Emerging markets 791.53 683.82 1,475.36

(54) (46) (100)

Source: Swiss Re Sigma World Insurance Report (No. 2/2025) Asia-Pacific 1,108.08 718.85 1,826.94 I.2.1.5 The US and China remain, respectively, the

(61) (39) (100) first and second largest insurance markets in the India 104.84 36.32 141.16 world. With total premiums of USD 3.5 trillion in 2024,

(74) (26) (100) the US market is almost 4.4 times bigger than the World 3,197.64 4,601.69 7,799.33 Chinese, according to the Swiss Re Sigma report.

(41) (59) (100) Its global market share rose to 45 per cent last year

Source: Swiss Re Sigma World Insurance Report (No. 2/2025) Figures in bracket represent per cent to total Annual Report 2024-25 11POLICIES AND PROGRAMMES Insurance Penetration and Density I.2.1.8 In 2024-25, India’s insurance penetration remained at 3.7 per cent as in 2023-24. The I.2.1.7 Insurance penetration and density are two insurance penetration for Life Insurance industry metrics often used to assess the level of development declined from 2.8 per cent in the previous year to of the insurance sector in a country. While insurance

2.7 per cent during 2024-25. The penetration with penetration is measured as the percentage of respect to Non-Life Insurance Industry remained insurance premiums to GDP, insurance density is same at 1 per cent during 2024-25 as in 2023-24.

calculated as the ratio of premium to population (per capita premium).

Table I.7: Insurance Penetration – India Vs World (% age) Life Insurance Non-Life Insurance Total (Life+Non-Life) Regions 2023 2024 2023 2024 2023 2024 India 2.8 2.7 1.0 1.0 3.7 3.7 World 2.9 3.0 4.2 4.3 7.0 7.3

Source: Swiss Re Sigma World Insurance Report (No. 2/2025)

Note: The data for India is for 12 months April 2023 to March 2024 (FY2023-24), whereas it is for 12 months of Calendar Year 2023 for the rest of the World.

A long term trend in the insurance penetration and insurers density of India are provided in the Charts I.3 & I.4. Trends in penetration and densities across the world for select countries are depicted in Charts I.5 & I.6.

Table I.8: Insurance Density– India vs World (USD) Life Insurance Non-Life Insurance Total (Life+Non-Life) Regions 2023 2024 2023 2024 2023 2024 India 70 72 25 25 95 97 World 361 388 528 555 889 943

Source: Swiss Re Sigma World Insurance Report (No. 2/2025)

Note: The data for India is for 12 months April 2023 to March 2024(FY 2023-24), whereas it is for 12 months of Calendar Year 2023 for the rest of the Worl 12 Annual Report 2024-25POLICIES AND PROGRAMMES I.2.1.9 In 2024-25, the insurance density in India I.2.1.10 As per Swiss Re Sigma World Insurance showed a modest rise, increasing from USD 95 in Report, globally insurance penetration and density 2023-24 to USD 97 in 2024-25. Specifically, life were 3 per cent and USD 388 for the life segment insurance density increased from USD 70 to USD and 4.3 per cent and USD 555 for the Non-life 72, while non-life insurance density remained stable segment. Overall, insurance penetration and density at USD 25. This upward trend in insurance density were 7.3 per cent and USD 943 respectively in 2024.

has been consistent since 2016-17.

Annual Report 2024-25 13POLICIES AND PROGRAMMES I.2.2 Appraisal of Indian Insurance Market Appraisal of Life Insurance Market Business Performance of Life Insurance Sector I.2.2.1 The Life Insurance market in India has recorded a consistent premium growth over the years. During 2024-25, the Life insurance industry I.2.2.4 Non-linked products contributed `7.27 lakh recorded premium income of `8.86 lakh crore, crore, constituting 82.03 per cent of total premium registering 6.73 per cent growth. The private sector and the share of linked products stood at 17.97 per life insurers have clocked a growth of 12.07 per cent cent. The business from traditional products grew in premium, while the public sector life insurer by 2.57 per cent and the same for linked products is recorded growth of 2.75 per cent in premium.

31.01 per cent.

I.2.2.2 Renewal premium continues to contribute the I.2.2.5 Life insurance segment constitutes 80.73 per majority of total premium underwritten by Life insurers cent of total life insurance premium followed by in 2024-25 at 55.09 per cent. The balance of 44.91 pension and annuity segments together with 18.87 per cent is contributed by the new business premium.

per cent. A detailed statement is provided in The growth in new business premium is 5.12 per cent Statement 5. compared to renewal business at 8.08 per cent.

Single premium products continue to play a major role for public sector life insurer with a contribution of 38.82 per cent of its total premium while it was

20.90 per cent for private sector life insurers. The insurer-wise data for life insurance premium is

provided in Statement 3. The bifurcation of total premium underwritten into linked and non-linked is

provided in Statement 4.

I.2.2.6 During the financial year 2024-25, life insurers issued 270.22 lakh new policies under individual business, out of which Public Sector Insurer issued

177.83 lakh policies (65.81 per cent) and the private life insurers issued 92.39 lakh policies (34.19 per cent). While, the private sector insurers registered a growth of 5.18 per cent, Public sector Insurer registered a de-growth of 12.80 per cent and the I.2.2.3 Life Insurance Corporation of India (LIC) is Industry registered a de-growth of 7.39 per cent in the only life insurer underwriting business Outside the number of new individual policies issued against of India and collected a total premium of `398.15 new individual policies issued in the previous financial crore during 2024-25.

year.

14 Annual Report 2024-25POLICIES AND PROGRAMMES Table I.9: Business Performance of Life Insurers (Amount in `Crore) S. 2023-24 2024-25 No. Particulars Public Private Industry Public Private Industry Sector Sector Total Sector Sector Total 1 Premium Underwritten 1(a) First Year Premium 39,037.95 76,469.86 1,15,507.81 37,025.38 88,011.89 1,25,037.26 (-0.13) (7.96) (5.08) (-5.15) (15.09) (8.25) 1(b) Single Premium 1,83,633.45 79,264.19 2,62,897.64 1,89,760.10 82,966.58 2,72,726.68 (-4.83) (15.98) (0.61) (3.34) (4.67) (3.74) 1(c) New Business 2,22,671.40 1,55,734.05 3,78,405.45 2,26,785.48 1,70,978.47 3,97,763.94 (FY+Single Premium) (-4.04) (11.90) (1.93) (1.85) (9.79) (5.12) 1(d) Renewal Premium 2,53,080.52 1,98,443.49 4,51,524.01 2,62,063.44 2,25,944.35 4,88,007.79 (4.31) (17.66) (9.79) (3.55) (13.86) (8.08) 1(e) Total Premium 4,75,751.92 3,54,177.54 8,29,929.46 4,88,848.92 3,96,922.81 8,85,771.73 (New+Renewal) (0.23) (15.05) (6.06) (2.75) (12.07) (6.73) 2 Premium from Outside India Included above 476.25 - 476.25 398.15 - 398.15 3 New Individual Policies 203.93 87.84 291.77 177.83 92.39 270.22 issued (No. in lakh) (-0.18) (9.23) (2.48) (-12.80) (5.18) (-7.39) 4 Segment-wise Premium Linked Non-Linked Total Linked Non-Linked Total Underwritten 4(a) Annuity - 36,378.09 36,378.09 - 38,926.48 38,926.48 4(b) Health 132.22 551.54 683.76 403.29 502.13 905.42 4(c) Life 1,06,459.45 5,56,474.15 6,62,933.60 1,42,519.40 5,72,536.92 7,15,056.32 4(d) Pension 14,878.13 1,12,566.13 1,27,444.26 16,214.90 1,12,023.41 1,28,238.32 4(e) Others - 2,489.75 2,489.75 - 2,645.19 2,645.19 4(f) Total 1,21,469.80 7,08,459.66 8,29,929.46 1,59,137.60 7,26,634.13 8,85,771.73 5 Benefits Paid Public Sector Private Sector Industry Total Public Sector Private Sector Industry Total 5(a) Death Claim 22,624.61 19,659.60 42,284.21 24,419.54 23,070.10 47,489.64 5(b) Maturity 2,08,136.42 34,562.76 2,42,699.18 1,81,977.66 41,056.09 2,23,033.75 5(c) Surrender/Withdrawal 1,33,803.32 95,441.88 2,29,245.20 1,30,905.27 1,02,393.74 2,33,299.01 5(d) Annuities/Pensions 20,106.73 3,802.60 23,909.33 22,097.56 4,725.24 26,822.80 5(e) Others 1,278.07 37,605.36 38,883.43 53,878.86 45,646.90 99,525.76 5(f) Total 3,85,949.15 1,91,072.20 5,77,021.35 4,13,278.89 2,16,892.08 6,30,170.97

Note: 1. Figures in bracket indicates growth over the previous year in per cent.

2. Death Claim is net of Reinsurance

3. Life insurance business of Sahara India Life Insurance Company Ltd. (SILIC) is transferred to SBI Life Insurance Company Ltd. (SBI Life) by IRDAI vide its Order dated 02.06.2023 and the above data /information for the FYs 2023-24 and 2024-25 does not include data /information pertaining to SILIC.

Annual Report 2024-25 15POLICIES AND PROGRAMMES Financial Performance of Life Insurers I.2.2.7 As of 31st March 2025, total paid-up capital of the life insurance sector stood at `39,714 crore, reflecting a 7.12 per cent increase compared to the previous year. This increase was primarily attributed to a `1,600 crore infusion of additional capital in Tata AIA Life Insurance Company Limited and `1,040 crore capital invested by the twelve life insurers into the life insurance industry. Consequently, the net I.2.2.10 IRDAI (Expenses of Management, including impact on the total paid-up capital for the fiscal year Commission, of Insurers) Regulations, 2024 pres- 2024-25 was an increase of `2,640.87 crore. cribe the allowable limits of expenses of management taking into account, inter alia, the type and nature of During the year, one private sector life insurer has product, premium paying term and duration of called back `70 crore and five private sector life insurance business. During the year 2024-25, out of insurers have raised a total amount of `4,490 crore 25 life insurers in operation, 17 were compliant with under Other Forms of Capital. As on 31st March 2025, the aforementioned regulations. Eight life insurers the total amount of Other Forms of Capital with life had exceeded the limits of expenses on an overall insurers was `9,651.50 crore. basis in Par/Non-Par (including Linked) business. The life insurance industry reported gross expenses of I.2.2.8 Investment income (Policyholder’s and management of `1.38 lakh crore during 2024-25, Shareholder’s) including capital gains and other which was 15.60 percent of total gross premium.

income of the life insurance industry decreased by

10.86 per cent to `5.51 lakh crore as on 31st March I.2.2.11 During 2024-25, life insurers paid a total

2025. While the public sector life insurer recorded amount of `60,800 crore as commission. The

4.44 per cent growth, private sector life insurers commission expenses ratio (commission expenses experienced 35.59 per cent de-growth in investment expressed as a percentage of premium) slightly income in the year 2024-25. increased to 6.86 per cent in 2024-25 from 6.21 per cent in 2023-24. Further, total commission outgo I.2.2.9 Out of the 25 life insurers in operation during increased by 18 per cent (total premium growth 6.73 2024-25, 18 companies reported profits. Profits of per cent) during 2024-25 as compared to the previous the life insurance industry grew by 18.14 per cent in year.

2024-25 with a profit after tax (PAT) of `56,006 crore as against `47,407 crore in 2023-24. The public I.2.2.12 The operating expenses of the life insurers sector life insurer reported an increase in profits by decreased by 13.14 per cent to `77,342 crore in

18.38 per cent while private sector life insurers 2024-25 and the operating expenses ratio (operating together reported an increase in profit by 16.69 per expenses as per cent of gross premium underwritten) cent in 2024-25. The dividend paid (including interim of the life insurance industry decreased from 10.73 dividend) by private sector life insurers stands at per cent in 2023-24 to 8.73 per cent in 2024-25.

`1,714 crore during the FY 2024-25. The public sector life insurer has paid `3,795 crore in dividend to its shareholders during the FY 2024-25.

16 Annual Report 2024-25POLICIES AND PROGRAMMES Table I.10: Financial Performance of Life Insurers (in ` Crore) 2023-24 2024-25 S. No. Particulars Public Private Industry Public Private Industry Sector Sector Total Sector Sector Total 1 Paid up Capital* 1(a) Beginning of the FY 6,325.00 28,632.05 34,957.05 6,325.00 30,748.55 37,073.55 1(b) Additions during the FY - 2116.50 2116.50 - 2,640.87 2,640.87 1 (c ) End of the Financial Year 6,325.00 30,748.55 37,073.55 6,325.00 33,389.42 39,714.42 2 Commission Expenses 2(a) First Year Commission 11,081.17 16,826.37 27,907.54 9,986.84 23,592.40 33,579.24 Increase over PY in per cent - - - -9.88 40.21 20.32 2(b) Commission on Single Premium 783.33 4,509.98 5,293.31 760.46 6,485.24 7,245.70 Increase over PY in per cent - - - -2.92 43.80 36.88 2(c) New Business Commission (a+b) 11,864.50 21,336.35 33,200.85 10,747.30 30,077.64 40,824.94 Increase over PY in per cent - - - -9.42 40.97 22.96 2 (d) Renewal Commission 14,094.62 4,228.58 18,323.20 14,561.46 5,413.51 19,974.97 Increase over PY in per cent - - - 3.31 28.02 9.01 2(e) Total Commission (c+d) 25,959.12 25,564.93 51,524.05 25,308.76 35,491.15 60,799.91 Increase over PY in per cent 1.48 52.70 21.74 -2.51 38.83 18.00 3 Operating Expenses 48,121.68 40,922.23 89,043.91 35,415.20 41,926.78 77,341.98 Increase over PY in per cent# -0.05 -0.91 -0.45 -26.40 2.45 -13.14 4 Investment Income 3,82,286.91 2,36,484.56 6,18,771.47 3,99,277.60 1,52,321.97 5,51,599.57 5 Profit after Tax 40,675.79 6,731.49 47,407.28 48,151.17 7,855.07 56,006.24 6 Dividend Paid (including Interim dividend) 4,427.50 1,549.83 5,977.33 3,795.00 1,714.50 5,509.50

Note: * Life insurance business of Sahara India Life Insurance Company Ltd. (SILIC) is transferred to SBI Life Insurance Company Ltd. (SBI Life) by IRDAI vide its Order dated 02.06.2023 and the above data /information for the FYs 2023-24 and 2024-25 does not include data /information pertaining to SILIC except paid up capital information.

# The negative growth in operating expenses of public sector companies in FY 2024-25 is due to provision for “every 5 years” wage revision in one of them. the public sector life insurer accounted for 56.11 per Benefits Paid by Life Insurers cent. During the current year, out of the total I.2.2.13 The life insurance industry paid total benefits surrender benefits, benefits for linked policies of `6.30 lakh crore in 2024-25, which constitutes accounted for 34.82 per cent for private sector life

71.92 per cent of the net premium. The benefits paid insurers and 1.41 per cent for the public sector life on account of surrenders / withdrawals increased by insurers.

1.77 per cent to `2.33 lakh crore in 2024-25, of which Annual Report 2024-25 17POLICIES AND PROGRAMMES Table I.11: Death Claims of Life Insurers (Amount in `Crore, numbers-actuals) Total Claims Claims Claims Claims Claims Segment Particulars Claims paid Repudiated rejected Unclaimed pending at end of FY Individual Number of Policies 10,34,455 10,11,880 10,494 6,839 243 4,999 Business In Per cent 100 97.82 1.01 0.66 0.02 0.48 Amount Paid 34,995 33,697 958 19 39 283 In Per cent 100 96.29 2.74 0.05 0.11 0.81 Group Number of Lives 16,33,833 16,28,641 3,880 275 - 1,037 Business In Per cent 100 99.68 0.24 0.02 0.00 0.06 Amount Paid 23,635 23,147 388 12 0 88 In Per cent 100 97.93 1.64 0.05 0.00 0.37

Note: 1. Claims rejected are those claims that cannot be considered due to policy terms and conditions.

2. Claims repudiated are claims that cannot be considered as per the provisions of section 45 of Insurance Act, 1938.

3. Life insurance business of Sahara India Life Insurance Company Ltd (SILIC) is transferred to SBI Life Insurance Company Ltd (SBI Life) by IRDAI vide its Order dt.2.6.2023 and the above data / information for the FY 2024-25 does not include data / information pertaining to SILIC.

Appraisal of Non-Life Insurance Market crore in 2023-24. Out of all non-life insurers, 26 private insurers (including standalone health insurers) Business Performance of General, Health and operating in the year 2024-25, reported an increase Specialized Insurance Sector in premium underwritten as compared to the previous year. The specialized insurers underwrote gross I.2.2.14 During 2024-25, the non-life insurance direct premium amounting to `11,108 crore. The industry underwrote a total direct premium of `3.08 public sector general insurers together contributed lakh crore in India registering a growth of 6.19 per to 34.57 per cent of the market share while the private cent from previous year. The contribution of Public sector general insurers contributed to the remaining Sector General insurers in the gross premium

65.43 per cent. increased by 5.54 per cent from `90,252 crore in 2023-24 to `95,252 crore in 2024-25. Private sector I.2.2.15 Three public sector insurers (except United insurers (including standalone health insurers) have India Insurance) and two private sector insurer (Care underwritten `2.01 lakh crore as against `1.88 lakh Health and ICICI Lombard) are underwriting general 18 Annual Report 2024-25POLICIES AND PROGRAMMES insurance business outside India. The total premium at `3,973 crore and `82.28 crore in 2024-25 underwritten outside the country by the three public respectively as against `3,939 crore in 2023-24 by sector insurers and one private sector insurer stood public sector insurers registering a growth of 1.41 per cent.

I.2.2.16 Among various segments under non-life `99,093 crore in 2024-25 from `91,781 crore of insurance business, health insurance business is the 2023-24. The share of the Motor segment in the total largest segment with a contribution of 41.42 percent premium marginally increased to 32.21 per cent from (40.29 per cent in 2023-24) of the total premium. 31.68 per cent of previous year. The premium Health Insurance Segment reported growth of 9.19 collection in fire segment decreased by 5.58 per cent per cent (19.50 per cent growth in 2023-24). The and in Marine segment increased by 8.10 per cent in Motor segment witnessed a year-on year growth of 2024-25.

7.97 percent with premium collection amounted to Table I.12: Business Performance of General, Health & Specialised Insurers (Amount in ` crore) S. 2023-24 2024-25 Particulars No. Public Private SAHI Specialized Industry Public Private SAHI Specialized Industry Sector Sector Insurers Total Sector Sector Insurers Total 1 Gross Direct 90,252 1,55,090 33,119 11,211 2,89,673 95,252 1,62,837 38,414 11,108 3,07,611 Premium (8.88) (17.54) (26.20) (-29.12) (12.76) (5.54) (5.00) (15.99) (-0.92) (6.19) within India 2 Gross Direct 94,191 1,55,090 33,119 11,211 2,93,612 99,225 1,62,898 38,435 11,108 3,11,666 Premium within (9.11) (17.54) (26.20) (-29.12) (12.79) (5.34) (5.03) (16.05) (-0.92) (6.15) & outside India 3 Segment-Wise Premium (Within India) Underwritten by General and Health Insurers 3(a) Fire 9,223 16,443 - - 25,667 8,474 15,768 - - 24,242 3(b) Marine 2,158 2,934 - - 5,091 2,214 3,290 - - 5,504 3(c) Motor 25,817 65,963 - - 91,781 28,445 70,649 - - 99,093 3(d) Health (including Personal Accident) 43,567 40,007 33,119 - 1,16,694 45,860 43,144 38,414 - 1,27,417 3(e) Others 9,487 29,743 - 11,211 50,440 10,260 29,987 - 11,108 51,355 3(f) Total 90,252 1,55,090 33,119 11,211 2,89,673 95,252 1,62,837 38,414 11,108 3,07,611 4 Policies Issued 645.72 2,004.72 151.11 558.32 3,359.88 682.17 2,474.80 175.41 581.15 3,913.53 (in lakhs) (6.95) (17.94) (9.29) (-3.11) (11.32) (5.64) (23.45) (16.08) (4.09) (16.48) 5 Net Incurred Claims 77,971 73,085 16,631 4,604 1,72,290 81,411 82,625 21,182 3,375 1,88,593 Figures in brackets represent growth percentage.

Annual Report 2024-25 19POLICIES AND PROGRAMMES Financial Performance of General, Health insurers, standalone health insurers and specialized Insurers and Specialised Insurers insurers stood at `12,575 crore, `18,179 crore, `6,218 crore and `840 crore respectively for 2024- I.2.2.17 As of March 31, 2025, the combined paid-

25. up capital of all nonlife insurers amounted to `43,390 crore, an increase from the previous year’s amount I.2.2.20 During the financial year 2024-25, 15 non- of `42,245 crore. Over the course of 2024-25, life insurers were non-compliant with the limits general and health insurers added `1,144 crore to pertaining to Expenses of Management and their their equity capital base. Private sector general request for forbearance is under examination.

insurers infused `863 crore in the financial year, while I.2.2.21 The investment income of all non-life insurers standalone health insurers injected capital amount during 2024-25 was `48,112 crore (`44,129 crore of `281 crore.

in 2023-24) registering a growth of 9.03 per cent.

I.2.2.18 During the financial year 2024-25, the Except public sector insurers (-4.33 per cent), the General insurance companies have raised Other growth in investment income of private sector Forms of Capital amounting to `125 crore. The total insurers, standalone health insurers and specialized capital under other forms of capital as on 31st March insurers was 21.95 per cent, 25.92 percent and 2.17 2025 is `6,139 crore. per cent respectively.

I.2.2.19 Commission expenses and operating I.2.2.22 The underwriting losses of non-life insurers expenses constitute a major part of the total increased to `30,276 crore in 2024-25 (`28,555 expenses. The gross commission expenses of public crore in the previous year). The losses increased by sector general insurers, private general insurers, 6.03 percent over the previous year. The public sector standalone health insurers and specialized insurers insurers’ underwriting losses constituted 61 per cent stood at `9,335 crore, `30,498 crore, `7,365 crore of non-life industry losses amounting to `18,366 and `67 crore respectively for 2024-25, thus crore and remaining by private sector insurers cumulatively amounting to a total gross commission amounting to `12,398 crore. Standalone health expense of `47,266 crore for the entire non-life insurers reported an increase in underwriting losses insurance industry. The operating expenses of non- in 2024-25 which is `1,635 crore as compared to life insurers stood at `37,811 crore in 2024-25 as underwriting loss of `723 crore in 2023-24. The against `38,653 crore in 2023-24, showing an overall underwriting profit of Specialized insurers increased decrease of 2.18 percent. The operating expenses to `2,124 crore in 2024-25 from `1,788 crore in of public sector general insurers, private general 2023-24.

20 Annual Report 2024-25POLICIES AND PROGRAMMES I.2.2.23 During the year 2024-25, the aggregate net I.2.2.24 During the year 2024-25, public sector profit of the non-life insurance sector increased to general insurers paid dividend of `339.49 crore.

`13,154 crore as against a net profit of `10,119 crore Further, seven private sector general insurers and in 2023-24. The public sector companies collectively two specialised insurers paid dividends amounting reported a profit of `798 crore. The profit after tax to `1,758 crore and `483.8 crore respectively. None for private sector general insurers was `8,150 crore, of the stand-alone health insurers paid dividends in specialized insurers was `3,444 crore and the 2024-25.

standalone health insurers was `762 crore.

Table I.13: Financial Performance of General, Health and Specialised Insurers (in ` crore) S. Particulars 2023-24 2024-25 No. Segments Public Private SAHI Specialized Total Public Private SAHI Specialized Total Sector Sector Insurers Sector Sector Insurers 1 Paid-up Capital of General, Health and Specialised Insurers At the beginning of the FY 18,724 12,033 5,080 4,538 40,375 18,724 13,098 5,885 4,538 42,245 Additions during the year - 1,065 805 - 1,870 - 863 281 - 1,144 End of the FY 18,724 13,098 5,885 4,538 42,245 18,724 13,961 6,166 4,538 43,390 2 Commission Expenses 2(a) Fire 1,224 1,944 NA NA 3,168 1,304 2,170 NA NA 3,474 2(b) Marine 202 412 NA NA 613 211 465 NA NA 676 2(c) Motor 3,099 16,578 NA NA 19,677 4,439 19,182 NA NA 23,621 2(d) Health 1,927 5,571 5,940 NA 13,437 2,125 6,780 7,365 NA 16,270 2(e) Others 908 1,730 NA 66 2,704 1,256 1,901 NA 67 3,225 2(f) Total 7,359 26,235 5,940 66 39,601 9,335 30,498 7,365 67 47,266 3 Operating Expenses 14,658 17,482 5,765 747 38,653 12,575 18,179 6,218 840 37,811 4 Underwriting -18,862 -10,758 -723 1,788 -28,555 -18,366 -12,398 -1,635 2,124 -30,276 Experience 5 Investment 20,324 19,403 2,137 2,265 44,129 19,444 23,663 2,691 2,314 48,112 Income 6 Profit After Tax 157 5,983 915 3,063 10,119 798 8,150 762 3,444 13,154 7 Dividends Paid 318 1,403 0 0 1,722 339 1,758 0 484 2,581 Figures in brackets represent growth percentage.

NA: Not applicable Annual Report 2024-25 21POLICIES AND PROGRAMMES Claims of General Insurers, Health Insurers and I.2.2.26 The incurred claims ratio (net incurred claims Specialised Insurers to net earned premium) of the non-life insurance industry was 82.88 per cent during 2024-25 against I.2.2.25 During 2024-25, the aggregate net incurred

82.52 per cent of previous year. The incurred claims claims reported an increase by 9.46 per cent over ratio (ICR) for public sector insurers was 97.30 the previous year amounted to `1.88 lakh crore percent for the year 2024-25 as against the previous (`1.72 lakh crore during previous year), Separately, year’s incurred claims ratio of 97.23 percent.

the public sector general insurers, private sector

Whereas for the private sector general insurers, general insurers and standalone health insurers standalone health insurers and specialized insurers reported an increase of 4.41 per cent, 13.05 per cent have ICR with 77.50 percent, 68.06 percent and 55 and 27.36 per cent respectively, while the specialized percent respectively for the year 2024-25 as insurers reported a decrease in the incurred claims compared to the previous year’s ratio of 76.49 at 26.7 per cent.

Table I.14: Segment-wise Incurred Claims Ratio of General, Health and Specialised Insurers - 2023-24 2024-25 S. Parti Public Private Stand Specialized Total Public Private Stand Specialized Total No. culars Sector Sector -alone Insurers Sector Sector -alone Insurers Health Health Insurers Insurers a. Fire 83.46 69.67 NA NA 78.33 78.07 65.00 NA NA 72.93 b. Marine 54.01 83.50 NA NA 72.39 56.79 84.03 NA NA 73.63 c. Motor 99.57 73.30 NA NA 81.98 107.94 74.62 NA NA 85.51 d. Health 103.16 83.49 63.63 NA 86.35 99.84 83.46 68.06 NA 85.34 e. Others 75.26 74.98 NA 66.58 72.78 67.03 77.20 NA 54.99 68.62 f. Total 97.23 76.49 63.63 66.58 82.52 97.30 77.50 68.06 54.99 82.88 NA: Not applicable percent, 63.63 percent and 66.58 percent Insurance (excluding Health) claims amounting to respectively.

`1,06,777 crore Out of this Private general insurers have paid 58.9 per cent i.e. ` 62,937 crore, PSU I.2.2.27 During FY 2024-25 General Insurers general insurers have paid 34.1 per cent i.e. ` 36,372 including Specialized insurers have paid total General 22 Annual Report 2024-25POLICIES AND PROGRAMMES Table I.15 Line of Business-wise Claims paid by General Insurers (excl. Health Insurance Business) in ` Crore Line of Business (LOB) PSUs Private - excluding SAHI Specialised Fire 5,424.2 7,351.4 - Marine (Cargo) 663.7 2,051.5 - Marine (Hull) 460.9 16.2 - Aviation 238.7 228.3 - Engineering 656.1 899.6 - Motor OD 9,204.0 21,451.3 - Motor TP 15,572.1 17,036.0 - Liability insurance 235.4 1,093.1 - Crop Insurance 2,249.9 10,356.2 6,955.4 Credit Insurance 82.5 119.2 453.5 All Other Miscellaneous 1,584.0 2,334.6 58.9 Total Non-Health Claims 36,372 62,937 7,468 crore and Specialized Insurers have paid claim of per cent of life Insurance offices are in Tier VI centres amount `7,468 crore i.e. 7.0 per cent.

with a population of less than 5,000.

Places of Business of Insurers I.2.2.29 As at 31st March, 2025, the public sector life insurer had offices in 712 districts out of 776 Life Insurers districts in the country, covering 92 per cent of districts I.2.2.28 The number of life insurance offices stood in the country, whereas the private sector life insurers at 12,210 as on 31st March, 2025 which is 693 more had offices in 637 districts covering 82 per cent of all than the previous year. Around 60 per cent of life districts in the country. The public and private insurers insurance offices are located in Tier I centres where together have covered around 93 per cent of all the population is one lakh and above. About 0.75 districts in the country. In 23 out of 36 states/ UTs, Annual Report 2024-25 23POLICIES AND PROGRAMMES Table I.16: Offices of Life Insurers As on 31st March, 2024 As on 31st March, 2025 Location Public Private Total Public Private Sector Sector Sector Sector Total Tier I 1,858 5,024 6,882 1,858 5,515 7,373 Tier II 562 786 1,348 562 881 1,443 Tier III 1,360 515 1,875 1,360 593 1,953 Tier IV 1,043 120 1,163 1,043 143 1,186 Tier V 126 34 160 126 37 163 Tier VI 55 34 89 55 37 92 Total 5,004 6,513 11,517 5,004 7,206 12,210 Tier I - Population 1,00,000 & Above Tier II - Population of 50,000 to 99,999 Tier III - Population of 20,000 to 49,999 Tier IV - Population of 10,000 to 19,999 Tier V - Population of 5,000 to 9,999 Tier VI - Population less than 5,000 all the districts were covered through life insurance 86 general insurance offices (excluding SAHI) as offices. compared to previous financial year.

General, Health and Specialized Insurers I.2.2.31 There are 5,831 (72.18 per cent) offices of general insurers located in Tier I areas having I.2.2.30 As on 31st March 2025, the general insurers population more than 1,00,000. While 1,024 (12.67 were operating from 8,078 offices as against 8,164 per cent) offices of general insurers are located in offices for FY 2023-24, all over the country. When Tier II areas having population between 50,000 to compared to the previous FY, for Public sector 99,999, 751 (9.29 per cent) offices of general general insurers there is decrease of 195 offices, insurers are located in Tier III areas having for Private sector general insurers there is increase population between 20,000 to 49,999. There are of 110 offices and for Specialized insurers there is 320 (3.96 per cent) offices of general insurers decrease of 1 office. Overall there is decrease of located in Tier IV areas having population between 24 Annual Report 2024-25POLICIES AND PROGRAMMES 10,000 to 19,999 and 118 (1.46 per cent) offices while the same was 1,657 as on 31st March 2024. As of general insurers are located in Tier V areas such, during FY 2024-25, there is an increase of 131 having population between 5,000 to 9,999. Around offices of SAHI companies. As per tier-wise as34 (0.42 per cent) offices of general insurers are classification of offices, it is observed that 80 per cent located in Tier VI areas having population below of offices (1,433 offices) are located in Tier-I cities, 5,000. 11 per cent of the offices (198 offices) are located in Tier-II cities, 7 per cent of the offices (127 offices)

1.2.2.32 As on 31st March 2025, the number of offices are located in Tier-III cities and 2 per cent of the of stand-alone health Insurers (SAHI) stood at 1,788 offices (28 offices) are located in Tier-IV cities. There Table I.17: Offices of General, Health and Specialized Insurers As on 31st March 2024 As on 31st March 2025 Location Public Private SAHI Specialized Total Public Private SAHI Specialized Total Tier I 3,296 2,579 1,325 73 7,273 3,205 2,554 1,433 72 7,264 Tier II 711 270 186 0 1,167 686 338 198 0 1,222 Tier III 658 71 118 0 847 618 133 127 0 878 Tier IV 320 21 27 0 368 294 26 28 0 348 Tier V 114 13 0 0 127 105 13 1 0 119 Tier VI 38 0 1 0 39 34 0 1 0 35 Total 5,137 2,954 1,657 73 9,821 4,942 3,064 1,788 72 9,866 Tier I - Population 1,00,000 & Above Tier II - Population of 50,000 to 99,999 Tier III - Population of 20,000 to 49,999 Tier IV - Population of 10,000 to 19,999 Tier V - Population of 5,000 to 9,999 Tier VI - Population less than 5,000 Table I.18: Number of Registered Insurers is one office of standalone health insurers each in and Reinsurers Tier-V and Tier-VI cities.

Public Private Total Type of Insurer I.3 Number and Details of Registered Insurers/ Sector Sector Reinsurers Life 1 25 26 General 4 21 25 I.3.1 As at 31st March 2025, the total number of registered insurers and reinsurers is 74. There were Specialized 2 - 2 26 Life Insurers, 27 General Insurers including 2 Health - 8 8 specialized insurers and 7 Stand-alone Health Reinsurer 1 12 13 insurers operating in India. The list of registered Total 8 66 74# insurers and reinsurers operating in India is provided

Note: The IRDAI vide order ref. No. IRDA/F&A/ORD/SOLP/200/11/2019 at Annexure 1. dated November 06, 2019 issued directions to Reliance Health Insurance Ltd. to stop selling new policies.

Life insurance business of Sahara India Life Insurance Company Ltd

(SILIC) is transferred to SBI Life Insurance Company Ltd. (SBI Life) by IRDAI vide its Order dt. 2.6.2023. # The above list includes both Reliance Health Insurance Ltd. & Sahara India Life Insurance Co. Ltd.

Annual Report 2024-25 25POLICIES AND PROGRAMMES I.4 Policies and Measures to Develop Insurance directed towards ensuring fair treatment of prospects Market at the stage of solicitation and sale, enhancing policyholder centric governance, instituting effective I.4.1 During FY 2024-25, IRDAI undertook several grievance redressal mechanisms and mandating policy and regulatory measures to strengthen and prudent risk management practices. Measures are develop the insurance market in alignment with the introduced to simplify registration, transfer of vision of “Insurance for All by 2047”. The key shareholding, amalgamation and listing of insurers objectives of these initiatives are to facilitate insurers with ease and thereby encouraging growth and in responding faster to emerging market needs, competition in the sector.

encourage product innovation, simplify processes and promote ease of doing business while Through these initiatives, IRDAI has sought to policyholder protection remains at the core. Insurers balance innovation and customer-centricity with have been mandated to leverage technological sound regulatory oversight, thereby facilitating platforms and offer products that are inclusive, sustainable and inclusive growth of the insurance catering to diverse age groups, occupational sector.

categories, regions and persons with disabilities with I.4.2 Bima-ASBA (Bima Applications Supported flexibility for customers to choose products and riders by Blocked Amounts) suited to their needs.

In a bid to ensure protection of policyholders’ interest, In order to enhance clarity and ease of understanding IRDAI as part of it consumer-centric approach, has for policyholders, IRDAI has issued the Master mandated collection of premium only after

Circular on Protection of Policyholders’ Interest, 2024. submission of proposal by the prospect. The facility Emphasis was placed on enabling insurers to adopt is called Bima-ASBA and it is discussed in detail at sound governance practices, strengthening the roles Box Item I.1.

and responsibilities of Boards and management, and establishing stewardship principles to safeguard the interests of all stakeholders. Measures are also 26 Annual Report 2024-25BOX I.1 BIMA-ASBA (BIMA-APPLICATIONS SUPPORTED BY BLOCKED AMOUNT)- ENHANCING TRANSPARENCY AND TRUST IN PREMIUM COLLECTION

1. The IRDAI, in order to protect the interest of the policyholders and to ensure that the premiums are collected upon the successful underwriting of proposal, has mandated through its Master Circular on Protection of Policyholders Interests, 2024, that insurers can collect premiums only after the proposal submitted by the prospect has been accepted except in cases of policies issued basis declaration of good health where risk cover commences immediately on receipt of premium.

2. In order to provide operational ease in meeting with this requirement, the Authority has allowed the facility of one-time mandate for holding the amounts towards premium payment.

3. Under this facility called the “Bima Applications Supported by Blocked Amount (Bima - ASBA)” transfer of money from the prospect to the insurer happens only when insurance policy is issued. In this facility, insurers can offer one-time mandate for blocking certain amount through Unified Payment Interface

(UPI) in the bank account of the concerned prospect. Amount towards insurance premium will be debited only after the insurer decides to accept the proposal. In case the insurer does not accept the proposal, the amount shall be unblocked and shall be released and shall be available at the disposal of the prospect.

4. This premium payment facility, Bima-ASBA, shall be offered to the prospects in addition to the existing options available for making payment of premium as specified in Regulation 16 (2) of IRDAI (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024.

5. All the insurers intending to have Bima-ASBA facility shall, as a part of the proposal form, provide an option to the prospect to authorize the respective insurer to block the amount through UPI. The said option shall form an integral part of the proposal form irrespective of the fact that the proposal form is in physical or in electronic mode.

6. Insurers are mandated to offer Bima - ASBA facility to its prospects for life and health insurance policies.

7. With the introduction of the United Payments Interface(UPI) based Bima-ASBA facility, the insurance payment will become more secure, convenient and transparent. It will enable the prospects to authorize blocking of a specific amount in their bank account for premium payment for a specified period. Under Bima-ASBA, the premium amount is deducted from blocked funds only upon the approval and issuance of the policy.

8. The IRDAI launched Bima-ASBA to: • Enhance transparency and trust in premium collection. • Ensure premiums are deducted only post-approval. • Prevent overcharging or under-collection of premiums. • Promote secure and paperless digital payments in insurance.

• Reduction in accumulation of unclaimed amount on account of excess collection of premium / non- refund of premium deposit.POLICIES AND PROGRAMMES I.4.3 Besides having issued the master circular on innovative activities/initiatives reported to have been health insurance business on 29.05.2024, IRDAI vide undertaken by insurance companies during 2024-25:

Circular Ref: IRDAI/HLT/CIR/ MISC/27/1/2025 dated

Life Sector:

30th January 2025 referring review of revision in premium rates under health insurance policies for • Enablement of self-help function through senior citizens, directed the following to all general website and mobile app for Life verification for and health insurers, offering indemnity based annuitants on mobile application, address individual health insurance products to Senior update via Aadhaar authentication and renewal

Citizens with immediate effect: premium receipt in regional languages.

1. The insurers shall not revise the premium rate • Surveys conducted in the fields of short term for senior citizens by more than 10 per cent and long term financial goals of customers such per annum to existing rate chart.

as Retirement planning, Wealth creation and management, Protection insurance.

2. In the following cases, insurers shall undertake

prior consultation with the IRDAI: • Evaluation of potential of the market by analysing business from different a. If the increase proposed in the premium demographics. for senior citizens is more than 10 per cent per annum.

• GenAI integration for product-related queries, including comparisons and personalized b. In case of withdrawal of individual health recommendations (savings, retirement, wealth insurance products offered to senior creation, etc.).

citizens. • GenAI speech analytics for deeper listening

3. The insurers shall give wide publicity of the across policyholder journeys (welcome, service various measures (including the above) taken calls, renewals). for the benefit of senior citizens while offering health insurance products.

• Multilingual WhatsApp BOT to serve a diverse customer base to support, enhancing service

4. The insurer shall take necessary steps for accessibility through conversational natural common empanelment of hospitals and language processing (NLP). negotiate package rates on the lines of PMJAY scheme.

• Cybersecurity modernisation project to adopt a fully integrated, XDR-powered Security I.5 Research and Development Activities Operations Center as a Service(SOCaaS). This undertaken by the Insurers strategic initiative aimed to transform threat As part of ongoing efforts to improvise product offers management from reactive to predictive. Key / services, insurers do carry out various research and innovations included real-time threat visibility, development activities. Below are some of the automated incident response and continuous risk-based asset prioritization.

28 Annual Report 2024-25POLICIES AND PROGRAMMES • Generative AI for hyper-personalized • Self-Service Operations Portal with over 15 key communication to improve customer services that significantly reduced backend engagement and retention. dependencies and turnaround times resulting in faster customer resolution and improved field • Negative news screening tool: AI scans web efficiency.

for high-profile cases, summarizes public information for enhanced risk assessment. • Introduction of Senior citizen 24/7 direct call transfer for policy assistance and also 24/7 Live • Generative AI for reviewing underwriting cases:

chat support for all customers through Summarizing details, providing recommended WhatsApp & chatbot. decisions based on past cases and claim data. • Field Engagement Platform to enable sales and • AI/NLP-driven sentiment tracking for service teams to access real-time customer customers, enabling real-time insights and insights, life-stage triggers, and policy data in automated quality checks.

one unified view. • Automated Financial Underwriting via Account General & Health Sector:

Aggregator (AA) - leveraged the Account Aggregator (AA) framework to enable • Introduction of an innovative usage-based automated financial underwriting (UW) in both motor insurance product Pay as You Drive ‘Do it yourself’ (DIY) and assisted customer (PAYD), designed to offer greater flexibility and journeys. Through seamless customer consent cost-efficiency for Registered owners of and data sharing via AA, instant access to vehicles. Under this model, the insurance verified bank and investment account premium is calculated based on the actual statements is enabled, eliminating the need for distance driven, rather than a fixed annual rate.

manual uploads or physical documents. These It provides significant savings for low-mileage statements are auto-scrutinized through an AI drivers, making it a cost-effective insurance engine, allowing for straight-through processing solution.

(STP) of insurance proposals in eligible cases. • Addressing the need for digitization and proper • A digital claim registration process to upload maintenance of patient records in small and document related to claim and help customer medium-scale clinics and hospitals in India by access real time claim status through chatbot / developing new-age features like speech-to- WhatsApp & AI-based pre-claim assessment text and blood bank locator.

& claim processing. • AI-ML-driven claim handling for health, crop, • Implementation of hyper-personalised product and motor using NLP and live video streaming collaterals based on few variable parameters — leading reduction in costs, prevention of at the lead stage frauds, and enabling seamless customer- centric claims.

Annual Report 2024-25 29POLICIES AND PROGRAMMES • AI-driven risk analytics and quality checks, for I.6 Review increased auto medical underwriting.

I.6.1 Protection of Interests of Policyholders • Generative AI bot to extract data from motor I.6.1.1 The Authority has notified the IRDAI claim invoices and KYC documents. (Protection of Policyholders’ Interests, Operations, • AI-powered image-based damage detection in and Allied Matters of Insurers) Regulations, 2024 on motor claims. 20th March 2024, aimed at strengthening the regulatory framework for safeguarding the interests • AI-driven bots for motor and crop claims; rapid of policyholders. In line with these regulations, the assessments with neural networks; customer Authority has issued the Master Circular on self-service via WhatsApp.

Protection of Policyholders’ Interests, 2024 as part of its steps towards reinforcing empowerment of • Neural network image processing replacing policyholders. This circular consolidates policyholder manual surveyor assessments.

entitlements into a single reference document and • AI and NLP-driven omni-channel virtual agents emphasizes measures towards providing seamless, for seamless policy servicing (claims, faster and hassle-free claims settlement experience endorsements, servicing queries). to a policyholder and enhance service standards, to foster a climate of trust and transparency within the • Harnessing advanced OCR platforms to insurance sector.

streamline claims processing, optimize operational efficiency, and deliver superior I.6.1.2 Complementing this, the Master Circular on customer satisfaction. Operations and Allied Matters of Insurers, 2024 issued by the Authority further places strong • AI-assisted health claims processing: emphasis on policyholder protection by mandating a document digitization, classification, code robust, technology-driven grievance redressal system allocation, and medical relevancy checks. integrated with the Bima Bharosa portal for real-time complaint tracking and resolution. It also requires • AI-driven analytics on call centre recordings to insurers to ensure advertisements are not misleading identify key areas for customer service and comply with ASCI standards, protecting improvements.

customers from deceptive marketing. In group insurance schemes, the circular prohibits denial of • AI/ML-powered early fraud detection triggers. claims due to missing member details and requires • Advanced AI platforms providing real-time nominee consent for policy proceeds used toward claim status updates to policyholders. loan repayments. The circular requires all insurers to maintain easily searchable online databases of • GenAI-based complaint handling system via unclaimed amounts of `1,000 or more, ensuring automated email categorization and transparency and providing customers with summarization.

convenient access to this information.

30 Annual Report 2024-25POLICIES AND PROGRAMMES Consumer Education Collaboration—to improve financial literacy across life stages and geographies. It successfully targeted I.6.1.3 Consumer education is central to advancing diverse groups including women, MSMEs, senior financial inclusion and protecting policyholders’ citizens, and rural populations, while advancing interests. IRDAI’s mandate to regulate, promote, and awareness in digital finance, retirement planning, and ensure the orderly conduct of insurance business can grievance redressal. Tools like the Money Smart be meaningfully achieved only when individuals are School Programme, regional language content, and equipped with the knowledge to make informed digital outreach platforms contributed to significant choices. By building awareness and understanding, behavioural and knowledge improvements consumer education enables citizens, particularly nationwide.

those in underserved segments, to access suitable insurance products and use them effectively to (b) Building on this progress, the upcoming The secure their financial well-being. This, in turn, National Strategy for Financial Education (NSFE) deepens insurance penetration, enhances financial 2026–2031 is currently under formulation. It aims to resilience, and ensures equitable access across address emerging challenges in a fast-evolving diverse demographics. financial landscape, such as increasing digital fraud risks, promoting sustainable finance, enhancing In pursuit of this objective, IRDAI develops and financial wellness, and including new vulnerable disseminates consumer-friendly educational material groups like gig workers, migrants, and the digitally across multiple platforms. It also operates a dedicated excluded. The new strategy will also reinforce the consumer education website www.policyholder.

institutional framework and leverage technological gov.in with comprehensive educational resources innovations, ensuring a resilient and inclusive transcending the whole journey of the customer financial ecosystem for all.

towards insurance inclusion.

I.6.1.5 Awareness Campaigns Among the various initiatives undertaken, some of the key insurance literacy measures introduced by (a) The Insurance Regulatory and Development

IRDAI are: Authority of India (IRDAI), in collaboration with MyGov, conducted a nationwide insurance Implementation of National Strategy for Financial awareness quiz—BimaGyaan—from 1st to 31st Education December 2024, as part of its vision of ‘Insurance for All by 2047’. This initiative aimed I.6.1.4 (a) The National Strategy for Financial to enhance public understanding of insurance, Education (NSFE) 2020–2025 marked a pivotal step educate citizens about various products, and in strengthening financial awareness and reinforce IRDAI’s role as a key enabler in empowerment across India. Anchored by the National building a financially secure India. The quiz, Centre for Financial Education (NCFE) in open to all Indian citizens, received an collaboration with all four financial sector regulators enthusiastic response with 24,229 participants, (RBI, SEBI, IRDAI, and PFRDA), the strategy the majority being youth—demonstrating high adopted a structured 5C approach—Content, levels of curiosity and commitment to learning Capacity, Community, Communication, and about insurance.

Annual Report 2024-25 31POLICIES AND PROGRAMMES

(b) To achieve the goal of ‘Insurance for All by and above the allowable limit in creating 2047’ and to increase public awareness about insurance awareness. the need for insurance, IRDAI has recently

(e) Under IRDAI’s guidance, the Insurance empanelled Media Agencies and Creative Councils have begun rolling out targeted Agencies to implement comprehensive, awareness initiatives to strengthen insurance multilingual, multimedia awareness campaigns literacy and promote informed decision-making across the country, targeting diverse sections among policyholders nationwide.

of society including rural and remote areas to ensure wider insurance penetration and last- I.6.1.6 Spurious calls impersonating officials from the mile coverage.

IRDAI, Bima Bharosa, insurers and other governmental or financial institutions pose a

(c) IRDAI was featured in a Live Phone-In significant threat to the insurance industry and public Programme on Health Insurance, broadcast by trust. IRDAI has issued several public notices, press Akashvani, Hyderabad on 18th December 2024 releases, advertisements in leading TV Channels, across its Telangana and Andhra Pradesh newspapers, and directions to insurers to caution network. Conducted in Telugu, the programme public against spurious phone calls and fictitious/ enabled IRDAI officials to address public fraudulent offers at various touch points and in the queries on common health insurance issues media as well. These communications are designed and highlight key initiatives such as the Bima to alert the public about the dangers of dealing with Bharosa Portal and Customer Information fraudulent entities/individuals posing as insurance Sheet. The programme received strong listener representatives.

engagement, with feedback indicating a continued need to enhance public awareness I.6.2 Maintenance of Solvency Margins of on health insurance rights and responsibilities.

Insurers

(d) IRDAI is actively pursuing initiatives to enhance I.6.2.1 Every insurer and reinsurer shall at all times insurance awareness and coverage nationwide maintain solvency margin higher than the control level to align with the goal of achieving ‘Insurance of solvency, which currently is 150 per cent of for All by 2047’. In order to encourage insurers Required Solvency Margin, i.e. to ensure that the to spend considerable amounts on insurance Available Solvency Margin is at least 150 per cent of awareness initiatives, IRDAI has allowed Required Solvency Margin at all times. The Required additional allowance to the extent of 5 per cent Solvency Margin shall not be less than fifty per cent of allowable expenses of management of Life of the amount of minimum capital as stated under insurers under Regulation 7 of IRDAI

Section 6 of the Insurance Act, 1938 whereas the (Expenses of Management of Insurers Available Solvency Margin is the excess of value of transacting life insurance business assets over the amount of liabilities. The IRDAI Regulations), 2023 with effect from 1st April (Actuarial, Finance and Investment Functions of

2023. Similar facility was also extended to the Insurers) Regulations, 2024 describe in detail the General Insurers to spend a 5 per cent over method of computation of the Available and Required Solvency Margin.

32 Annual Report 2024-25POLICIES AND PROGRAMMES Solvency Position of Life Insurers 2023–24. This includes business accepted by Reinsurers, Foreign Reinsurers Branches, I.6.2.2 All the life insurers complied with the minimum Reinsurers from outside India, IFSC Insurance stipulated solvency ratio of 1.50 (control level of Offices (IIOs), as well as premiums ceded by direct solvency), as at 31.03.2025. Insurance company wise insurers.

solvency ratio for life insurers is provided in Statement

11. In FY 2024-25, the gross reinsurance premium written by Indian reinsurers and FRBs stood at Solvency Position of General, Health and `69,228.64 crores. Out of this, the Indian business Specialized Insurers accounted for about 85 per cent, while the foreign business accounted for the remaining share.

I.6.2.3 As at 31st March 2025, 28 private sector general insurers (including the standalone health Within the Indian business of `58,478.95 crore, GIC insurers) have complied with the stipulated Solvency Re accounted for 52.43 per cent, and the balance Ratio of 1.50. Public sector insurers namely National,

47.57 per cent was written by FRBs. The segmental Oriental and United have reported solvency ratio of premium income, as well as the reinsurance (-)0.67, (-)1.03 and (-)0.65 respectively, as on placements for Non-life insurers, life insurers, and 31st March 2025.

health insurers, are given in the Statement 18.

New India has reported solvency ratio of 1.91 as on Indian Reinsurers 31st March 2025. As at 31st March 2025, the specialized insurers, i.e. AIC and ECGC reported a I.6.3.2 As of 31st March 2025, two Indian reinsurers solvency ratio of 4.07 and 57.13 respectively. The are registered with the Insurance Regulatory and solvency ratio of general, health insurance and Development Authority of India (IRDAI), namely, reinsurance companies is placed at Statement 12. General Insurance Corporation of India (GIC Re) and Valueattics Reinsurance Limited. GIC Re has been Solvency Position of Reinsurers providing reinsurance support to direct insurers in India as well as foreign insurers and reinsurers. Its I.6.2.4 General Insurance Corporation of India (GIC

reinsurance programme is designed to:

Re) reported a solvency ratio of 3.70 as on 31st March

2025. All Foreign Reinsurers Branches (FRBs) have • Optimise retention within the country. reported solvency ratio above 1.50 as on 31st March

2025. FRB-wise solvency ratio is placed at Statement • Ensure adequate coverage for cedants’

13. exposures at reasonable cost.

I.6.3 Monitoring of Reinsurers • Develop technical expertise and financial capacities within the domestic market.

Reinsurance market in India In addition, GIC Re manages the Nuclear Pool, I.6.3.1 During FY 2024–25, the total reinsurance (RI) Terrorism Pool, and the Marine Cargo Excluded market in India stood at `1,12,305 crore, reflecting Territories (MCET) Pool. It continues to receive an 11 per cent growth over `1,00,859 crore in FY obligatory cessions on each policy issued by Annual Report 2024-25 33POLICIES AND PROGRAMMES domestic general insurers, subject to prescribed Cross-Border Reinsurers (CBRs) limits. For FY 2024–25, this obligatory cession stands I.6.3.4 Cross-Border Reinsurers (CBRs) are at four percent.

reinsurers that do not have a physical presence in The Authority issued the Certificate of Registration India but engage in reinsurance business with Indian

(R3) to Valueattics Reinsurance Limited on 13th insurers. They provide critical additional capacity to March 2025. The company has commenced the Indian market. operations with an initial paid-up capital of `200 • Insurers must ensure that CBRs meet the crores.

qualifying criteria specified in the IRDAI

(Reinsurance) Regulations, 2018.

Foreign Reinsurers Branches (FRBs) • Each CBR is issued a Filing Reference Number I.6.3.3 The Insurance Laws (Amendment) Act, 2015

(FRN), valid for one financial year, enabling allowed foreign reinsurers and Lloyd’s of London to them to transact with Indian insurers and establish branches in India to transact reinsurance reinsurers.

business, with the objective of positioning India as a reinsurance hub.

In FY 2024-25, 291 CBRs participated in the Indian reinsurance business, as compared to 280 CBRs in As on 31st March 2025, twelve Foreign Reinsurers FY 2023-24.

Branches (FRBs), including Lloyd’s entities, were registered with the Authority. Lloyd’s India functions Retention and Reinsurance Placement of Non- through two service companies, namely Markel Life Insurers Services India Private Limited and Volante Global Services India Pvt. Ltd. These FRBs represent I.6.3.5 During 2024-25 reinsurance premiums placed globally established reinsurers with significant by general insurers within India accounted for 17.79 capacity, experience, and technical expertise. per cent of GWP. Reinsurance premiums placed outside India accounted for 9.10 per cent of GWP.

Reinsurance Business Booked by FRBs Net retention decreased from 74.17 per cent in FY (`in Crore) 2023–24 to 73.11 per cent in FY 2024-25.

Particulars 2023–24 2024-25 Reinsurance Placement by Life Insurers Gross RI Premium Income – I.6.3.6 During 2024-25, an amount of `699.22 crore Indian Business 24,749.03 27,816.51 (`536.02 crore in 2023-24) was ceded as FRBs play a vital role in retaining premium within reinsurance premium by the public sector insurer.

India and in building reinsurance capacity. They are The private life insurers ceded `9,199.29 crore governed by the IRDAI (Registration and Operations (`7,719.08 crore in 2023-24) as premium towards of Foreign Reinsurers Branches and Lloyd’s India) reinsurance. The retention ratio of the life insurance Regulations, 2024, along with other applicable sector was 98.61 per cent for 2024-25 as against 99 guidelines issued by the Authority. per cent for 2023-24.

34 Annual Report 2024-25POLICIES AND PROGRAMMES Table I.19: Reinsurance Placement by General and Health Insurers and as a percent of Gross Written Premium (`crore) Marine Marine Engin- Other Particulars Years Fire Motor Aviation Total Cargo Hull eering Misc.

Amount of Reinsurance 2023-24 13,555.86 554.35 502.03 9,549.27 597.17 2,606.66 22,927.79 50,293.14 Premium 47.75 10.89 36.32 10.40 51.06 46.53 14.16 17.03 placed within India & 2024-25 11,567.44 527.77 410.23 13,128.83 511.91 2,863.15 28,063.29 57,072.62 corresponding 40.26 12.59 27.58 12.96 37.47 44.22 15.83 17.79 percentage Amount of Reinsurance 2023-24 7,124.78 648.88 453.02 1,135.14 400.96 1,134.98 15,101.02 25,998.78 Premium 25.10 12.74 32.78 1.24 34.28 20.26 9.32 8.80 placed Outside India & 2024-25 7,254.29 719.05 653.75 2,168.19 539.23 1,319.21 16,553.08 29,206.79 corresponding 25.25 17.15 43.95 2.14 39.47 20.38 9.34 9.10 percentage Table I.20: Net Retained Premium of General and Health Insurers as a Percent of Gross Written Premium 2023-24 2024-25 Segment Public Private Total Public Private Total Sector Sector Sector Sector Fire 38.42 20.82 27.15 50.25 18.25 34.49 Marine Cargo 87.76 67.72 76.37 81.28 65.76 70.26 Marine Hull 34.67 4.32 30.90 32.67 3.00 28.48 Motor 97.04 84.96 88.36 95.88 80.22 84.90 Aviation 18.18 8.39 14.66 28.07 11.88 23.05 Engineering 49.24 19.46 33.21 50.79 19.90 35.40 Other Misc. 86.54 70.32 76.52 85.08 68.65 74.83 Total 82.45 69.63 74.17 82.45 67.36 73.11 Annual Report 2024-25 35POLICIES AND PROGRAMMES Insurance Pools Marine Cargo Excluded Territories (MCET) Pool Terrorism Pool I.6.3.9 Formed in 2022, in response to the Russia– Ukraine war and related sanctions, the MCET Pool I.6.3.7 Established in April 2002 following the provides cover for marine cargo shipments of withdrawal of terrorism coverage by international fertilizers and other commodities from excluded reinsurers post the terrorist attack of 9/11 in the USA, territories (Belarus, Ukraine, and Russia). Managed the pool is administered by GIC Re. It supports by GIC Re, it ensures continuity of cover for Indian terrorism risks under property insurance policies, insureds. The premium income FY 2024-25 was including dwellings and fixed assets. The premium `23.53 crore as against `41.53 crore in FY 2023- income for FY 2024-25 stood at `1,495.35 crore as

24. The claims paid amount was `0.04 crore. against the premium income of `1,654.63 crore during FY 2023-24. The claims paid amount for FY I.6.4 Monitoring Investments of the Insurers 2024-25 stood at `(-)2.12 crore*.

1.6.4.1 Insurers have been mandated to follow the Nuclear Pool pattern of investment, as required under IRDAI I.6.3.8 Formed in 2015 under the Civil Liability for (Actuarial, Finance and Investment Functions of Nuclear Damage Act, 2010, the pool provides Insurers) Regulations, 2024. As on 31st March 2025, coverage for liabilities arising from nuclear perils, the investments made by the insurance industry which are typically excluded from conventional stood at `74.43 lakh crore as against `67.57 lakh insurance. Managed by GIC Re, it covers both crore as on 31st March 2024 registering an increase nuclear operators and suppliers. The premium of 10.14 per cent. The share of Life insurers stood at income for FY 2024-25 was `110.54 crore as against 91.07 per cent, general insurers including specialized `107.01crore during 2023-24. No claims were paid insurers and Stand-Alone Health Insurers (SAHI) during this period. constituted 7.04 per cent and Reinsurers including Table I.21: Investments of Insurance Industry as on 31st March (Amount in `crore) 2024 2025 Segment Public Private Total Public Private Total Life Insurers 44,23,580 17,33,269 61,56,849 47,99,949 19,78,711 67,78,661 (9.40) (22.08) (12.69) (8.51) (14.16) (10.09) General Insurers 1,74,283 3,00,818 4,75,101 1,84,559 3,39,714 5,24,273 (2.42) (16.07) (10.66) (5.90) (12.93) (10.35) Reinsurers 96,299 29,711 1,26,010 1,06,733 33,849 1,40,583 (11.75) (17.49) (13.05) (10.84) (13.93) (11.56) Total 46,94,162 20,63,798 67,57,960 50,91,242 23,52,274 74,43,516 (9.17) (21.10) (12.55) (8.46) (13.98) (10.14)

Note: 1. Figures in brackets represent growth in percentage over the previous year

2.General Insurers included Specialized Insurers and SAHI

3.Reinsurers included Branches of Foreign Reinsurers *Incorrect claims were reported by a member company in FY 2023-24 and were reversed in FY 2024-25 36 Annual Report 2024-25POLICIES AND PROGRAMMES branches of foreign reinsurers constituted 1.89 per 31st March 2025 was `67.79 lakh crore, of which cent as on 31st March 2025. The share of PSUs stood `59.50 lakh crore (87.77 per cent to total funds) was at 68.40 per cent and private sector constituted 31.60 from traditional products and balance of `8.28 lakh per cent in the same period. crore (12.23 per cent to total funds) from ULIP products. The category-wise investments of life Investments of Life Insurers insurers are provided in Table I.22. Life insurance company-wise investments are provided in

1.6.4.2 Funds of life insurers are split based on Statement 16. investments made out of traditional products and ULIP products. The total funds of life insurers as on Table I.22: Category-wise Investments of Life Insurers as on 31st March (Amount in `crore) S. No. Category 2024 2025 Non Linked Products 1 Central Government Securities 24,37,256 26,25,393 (45.17) (44.12) 2 State government and other approved securities 12,95,510 13,66,984 (24.01) (22.97) 3 Housing and Infrastructure 4,99,520 5,98,606 (9.26) (10.06) 4 Approved Investments 10,65,425 12,99,010 (19.74) (21.83) 5 Other Investments 98,421 59,919 (1.82) (1.01) A Total (1+2+3+4+5) 53,96,132 59,49,913 (100.00) (100.00) Linked Products 6 Approved Investments 6,85,216 7,79,452 (90.08) (94.05) 7 Other Investments 75,501 49,296 (9.92) (5.95) B Total (6+7) 7,60,717 8,28,748 (100.00) (100.00) Grand Total (A+B) 61,56,849 67,78,661

Note: Figures in brackets are percentage to total Annual Report 2024-25 37POLICIES AND PROGRAMMES I.6.4.3 Based on the method of classification of funds, Pension and General Annuity & Group fund to total Life fund contributed `43.39 lakh crore (64.01 per investments have gone down from 23.95 per cent to cent to total funds), Pension and General Annuity & 23.76 per cent. The share of ULIP fund has Group fund `16.10 lakh crore (23.76 per cent to total decreased from 12.36 per cent to 12.23 per cent.

funds) and Unit Linked Fund (ULIP) `8.28 lakh crore Life, Pension/Annuity fund and ULIP fund have (12.23 per cent to total funds) to total investments of increased by `4.17 lakh crore, `1.36 lakh crore and Life insurers as on 31st March 2025. During the FY `0.68 lakh crore respectively in FY 2024-25.

2024-25, the share of Life fund has increased from

63.70 per cent to 64.01 per cent. The share of Table I.23: Fund-wise Investments of Life Insurers as on 31st March (Amount in `crore) 2024 2025 Segment Public Private Total Public Private Total Life 31,29,515 7,92,268 39,21,783 33,84,590 9,54,859 43,39,449 Pension and General Annuity & Group Fund 12,59,025 2,15,324 14,74,349 13,67,904 2,42,560 16,10,464 ULIP 35,040 7,25,677 7,60,717 47,456 7,81,292 8,28,748 Total 44,23,580 17,33,269 61,56,849 47,99,949 19,78,711 67,78,661 Investments of General Insurers and Reinsurers I.6.4.5 As on 31st March 2025, General insurers and Reinsurers have invested `3.03 lakh crore (45.63 I.6.4.4 Share of investments by General Insurers and per cent) majorly in Central, State Government and Reinsurers stood at 8.93 per cent in total investments other approved securities and `1.98 lakh crore made by the insurance sector. The total amount of (29.85 per cent) in approved Investments. The investments made by the General Insurers and category-wise investments made by General Reinsurers was `6.65 lakh crore as on 31st March insurers and Reinsurers are shown in Table I.24.

2025 as against `6.01 lakh crore of the General Insurance and Reinsurance company-wise corresponding period of the previous year, registering investments are provided in Statement 17. an increase of 10.6 per cent.

38 Annual Report 2024-25POLICIES AND PROGRAMMES Table I.24: Investments of General, Health, Specialized Insurers & Reinsurers: Category-wise (Amount in `crore) As on 31st March 2024 As on 31st March 2025 Category General Reinsurers Total General Reinsurers Total Insurers^^ ## Insurers^^ ## Central Government 1,34,832 44,566 1,79,398 1,33,101 49,220 1,82,322 Securities (28.38) (35.37) (29.84) (25.39) (35.01) (27.42) State government and 92,139 28,369 1,20,508 89,421 31,620 1,21,041 other approved securities (19.39) (22.51) (20.05) (17.06) (22.49) (18.21) Housing and Loans to 34,291 7,966 42,257 41,441 9,417 50,858 State Govt. for (7.22) (6.32) (7.03) (7.90) (6.70) (7.65) Housing & FFE Infrastructure 66,691 17,038 83,729 81,399 19,355 1,00,754 Investments (14.04) (13.52) (13.93) (15.53) (13.77) (15.15) Approved Investments 1,36,974 25,726 1,62,700 1,68,553 29,902 1,98,455 (28.83) (20.42) (27.07) (32.15) (21.27) (29.85) Other Investments 10,174 2,344 12,518 10,358 1,068 11,426 (2.14) (1.86) (2.08) (1.98) (0.76) (1.72) Total 4,75,101 1,26,010 6,01,111 5,24,273 1,40,583 6,64,856 (100.00) (100.00) (100.00) (100.00) (100.00) (100.00)

Note: 1. ^^ General Insurers included Specialized Insurers and SAHI

2. ## Reinsurers include Branches of Foreign Reinsurers

3.Figures in brackets are percentage to total

4. FFE: Fire Fighting Equipment I.6.5 Health Insurance health insurance (excluding Personal Accident and Travel) premium registering a growth of about 9.12 I.6.5.1 During the year 2024-25, General and Health percent over the previous year.

insurance companies collected `1,17,505 crore as Table I.25: Health Insurance Premium Underwritten by General & Health Insurers (` crore) Insurer 2023-24 2024-25 Public Sector Insurers 40,992.94 42,420.79 (4.95) (3.48) Private Sector Insurers 34,507.71 37,752.94 (37.03) (9.40) Stand-alone Health Insurers 32,180.09 37,331.09 (27.44) (16.00) Total 1,07,680.74 1,17,504.82 (20.32) (9.12)

Note: 1. Figures in bracket indicates growth (in percent) over previous year.

2. The data does not include the detail of health insurance business carried-out in foreign countries.

3. The above Premium excludes premium from Personal Accident, Domestic and Overseas Travel Insurance Business.

4. Data as per the Health insurance returns submitted by Insurers Annual Report 2024-25 39POLICIES AND PROGRAMMES Policies and Lives Covered under Health I.6.5.3 Health insurance business is classified into Insurance three classes of business namely Government sponsored, Group and Individual. In terms of number I.6.5.2 During 2024-25, the General and Health of lives covered, 42.3 per cent of the lives were insurance companies have covered 58 crore lives covered under government sponsored health under 2.65 crore health insurance policies (excl.

insurance schemes, 47.4 per cent in group business policies issued under PA and Travel Insurance). and the remaining about 10.3 per cent under individual policies issued by general and health insurers. In terms of amount of premium, the share of Group business was the highest (52.3 per cent), followed by Individual (39.7 per cent) and Government business (8.0 per cent).

Table I.26: Policies, Lives Covered, and Premium under Health Insurance Business of General and Health Insurers Class of No. of Policies(lakhs) No. of Lives Covered (lakhs) Gross Premium(`crore) Business 2023-24 2024-25 2023-24 2024-25 2023-24 2024-25 Government 0.00025 0.00026 2,611.04 2,454.00 10,513.67 9,458.75 Sponsored Business (-50.98) (4.00) (-12.31) (-6.01) (23.98) (-10.03) Group Business 37.29 13.05 2,559.09 2,751.01 55,666.01 61,434.68 (473.69) (-65.00) (28.34) (7.50) (20.37) (10.36) Individual Business 230.99 251.85 558.57 601.46 41,501.06 46,611.39 (5.03) (9.03) (5.61) (7.68) (19.37) (12.31) Total 268.29 264.90 5,728.71 5,806.47 1,07,680.74 1,17,504.82 (Growth in %) (18.49) (-1.26) (4.15) (1.36) (20.32) (9.12)

Note: Figures in bracket indicates growth (in percent) over previous year. Data excludes PA and Travel Insurance Business 40 Annual Report 2024-25POLICIES AND PROGRAMMES I.6.5.4 The net incurred claims under health There is a decrease in Incurred Claims Ratio (ICR) insurance business of general and health insurers of health business from 88.15 per cent in 2023-24 to stood at `84,850 crore in 2024-25 reported an 86.98 per cent in 2024-25.

increase of about 11 per cent from previous year.

Table I.27: Incurred Claims Ratio under Health Insurance Business of General and Health Insurers (in per cent) Govt. Business Group Business Individual Business Total Insurer 2023-24 2024-25 2023-24 2024-25 2023-24 2024-25 2023-24 2024-25 Public Sector Insurers 114.88 94.45 103.07 103.61 95.74 95.04 103.38 100.59 Private Sector Insurers 121.23 97.92 90.79 87.79 81.28 84.91 88.71 87.59 Standalone Health Insurers 0.00 0.00 66.59 67.74 64.08 69.08 64.71 68.73 Total 115.28 95.25 93.75 92.41 75.06 77.93 88.15 86.98

Note: Data excludes PA and Travel Insurance Business Annual Report 2024-25 41POLICIES AND PROGRAMMES I.6.5.5 During 2024-25, General and Health Insurers mode and 41 per cent through reimbursement mode.

have settled 3.26 crore health insurance claims and Insurers have settled one percent of their claims amount paid an amount of `94,248 crore towards settlement through “both cashless and reimbursement mode”. In of health insurance claims. The average amount paid terms of claims paid in amount, 66.35 per cent of were per claim was `28,910. In terms of number of claims settled through cashless mode.

settled, 69 per cent of the claims were settled through I.6.5.6 During 2024-25, insurers have settled about 87 TPAs and the balance 31 per cent of the claims were per cent of total number of claims registered in their settled through in-house mechanism. In terms of books and have repudiated about 8 per cent of them mode of settlement of claims, 58 per cent of total and the remaining about 5 per cent were pending for number of claims were settled through cashless settlement as on 31st March 2025.

Table I.28: Claims Paid (Gross) under Health Insurance Business of General and Health Insurers (no. in lakhs, amount in `crore) Mode of TPA In-House Total Claim Settlement Number Amount Number Amount Number Amount Only Cashless 136.33 37,574.02 52.62 24,963.30 188.95 62,537.32 (60.84) (68.20) (51.63) (63.75) (57.96) (66.35) Only Reimbursement 81.26 15,934.65 38.32 11,714.09 119.58 27,648.75 (36.26) (28.92) (37.60) (29.92) (36.68) (29.34) Both Cashless and 3.07 1,413.86 1.26 1,497.75 4.33 2,911.61 Reimbursement (1.37) (2.57) (1.24) (3.82) (1.33) (3.09) Benefit Based 3.42 168.05 9.72 981.87 13.14 1,149.92 (1.53) (0.31) (9.54) (2.51) (4.03) (1.22) Total 224.08 55,090.59 101.93 39,157.02 326.01 94,247.60 (100.00) (100.00) (100.00) (100.00) (100.00) (100.00)

Note:1. Figures in bracket are percent to total. The data is exclusive of PA and Travel.

42 Annual Report 2024-25POLICIES AND PROGRAMMES Table I.29: Status of Claims under Health Insurance of General and Health Insurers (no. in lakhs, amount in `crore) Claims outstanding New claims Total Claims paid during Claims disallowed Claims repudiated Claims outstanding at the beginning registeredduring Claims the period as per terms and during the period at the end of of the period the period conditions of the year policy contract Number Amount Number Amount Number Amount Number Amount Number Amount Number Amount Number Amount

20.73 7,584.58 351.85 1,24,903.22 372.58 1,32,487.81 326.01 94,247.60 0.00 18,521.02 29.51 11,412.42 17.07 8,306.76

(100) (100) (87.50) (71.14) (0) (13.98) (7.92) (8.61) (4.58) (6.27)

Note: Figures in brackets are percentage to total.

Health Insurance Business of Life Insurers I.6.5.8 During 2024-25, life insurers have procured a total premium of `1,158 crore from various health I.6.5.7 During the year 2024-25, life insurers collected insurance products. While renewal premium `2,382 crore as health insurance premium as against contributed about 61 percent of total premium, New `1,554 crore in 2023-24 registering a growth of 53.27 Business contributed the remaining 39 percent. Life per cent.

insurers have issued 1.66 lakh new policies covering

1.19 lakh lives, while they renewed 8.78 lakh policies Health Insurance Products Marketed by Life covering 7.63 lakh lives during 2024-25.

Insurers Table I.30: Number of Policies, Lives Covered, Premium under Health Insurance Business of Life Insurers No. of Policies / No. of Riders No. of Lives Covered (‘000) Gross Premium (` crore) Class of Business 2023-24 2024-25 2023-24 2024-25 2023-24 2024-25 Health Insurance Products Marketed by Life Insurers New Business 90,605 1,65,866 197.99 119.38 109.44 451.26 Renewal Business 9,15,960 8,78,342 945.61 763.05 612.44 706.94 Health Riders Attached to Life Insurance Products New Business 7,68,372 10,11,744 3,082.38 3,389.92 347.01 547.46 Renewal Business 25,23,119 40,77,562 3,124.93 5,062.99 484.84 676.22 Annual Report 2024-25 43POLICIES AND PROGRAMMES Health Insurance Riders attached to Life insurance products were renewed which covered Insurance Products 50.63 lakh lives.

I.6.5.9 Riders which are attached to the base products Claims under Health Insurance Business of Life are offered as a value addition to policyholders. Insurers Premium of `1,224 crore was procured through health insurance riders attached to life insurance I.6.5.10 During the year 2024-25, life insurers have policies during 2024-25. Out of the total premium from paid `311 crore as claims towards settlement of these riders, renewals accounted for 55 per cent while 28,770 number of claims (80 per cent of total number the rest 45 per cent was contributed by New of claims registered) in respect of health insurance Business. During 2024-25, 10.12 lakh health products. In respect of rider claims, 98 per cent of insurance riders were issued along with new life the claims registered were paid amounting to `137 insurance products covering 33.90 lakh lives. During crore by the life insurers towards settlement of 27,775 the same period, 40.78 lakh riders attached to life number of claims.

Table I.31: Status of Claims under Health Insurance Business of Life Insurers (no. in actual, amount in `crore) Claims O/S at the Claims Reported Claims Paid Claims Claims O/S Segment start of year during the Year during the Year Repudiated/ at the end Rejected of year No. Amount No. Amount No. Amount No. Amount No. Amount Health Insurance Products 424 17.45 35,386 361.27 28,770 310.73 6,607 50.44 433 17.55 Health Insurance Riders 353 18.07 27,991 152.95 27,775 136.68 557 32.65 12 1.69 Personal Accident Insurance I.6.5.12 During 2024-25, the gross premium income I.6.5.11 During 2024-25, the insurance industry has from Personal Accident insurance business was covered a total of 163.05 crore lives under personal `8,601 crore. While private sector general insurers accident insurance. It includes 93.80 crore lives have contributed about 50 per cent of total premium, covered under government flagship schemes public sector general insurers and stand-alone health namely, Pradhan Mantri Suraksha Bima Yojana insurers contributed about 40 per cent and 10 per

(PMSBY), Pradhan Mantri Jan Dhan Yojana cent of premium respectively. The ICR for this line of

(PMJDY), and IRCTC travel insurance for e-ticket business was around 64 per cent for the year 2024- passengers. 25.

Table I.32: Business Under Personal Accident Insurance No. of Lives (lakh) Gross Premium (`````crore) Incurred Claim Ratio (%) Insurer 2023-24 2024-25 2023-24 2024-25 2023-24 2024-25 Public Sector 7,975.95 9,422.60 2,554.99 3,421.28 96.82 83.95 Private Sector 8,316.54 6,620.81 4,468.73 4,273.48 53.80 51.40 Stand-alone Health 212.02 261.59 764.76 906.15 23.99 29.48 Total 16,504.51 16,304.99 7,788.47 8,600.92 66.87 63.59

Note:

1. The data is inclusive of number of lives covered under IRCTC, PMSBY & PMJDY businesses.

2. The data does not include the details of PA business carried-out in foreign countries.

3. It is to be noted that under IRCTC Scheme, PA cover is offered to railway passengers only for a specified journey undertaken by the passen- ger and one person may undertake multiple journeys during the reported period. In respect of lives covered in any of PA policy/ schemes, one person may have been covered multiple times.

44 Annual Report 2024-25POLICIES AND PROGRAMMES Table I.33: Coverage under Government policies. The gross premium income from overseas Flagship Personal Accident Schemes travel insurance business for 2024-25 was `1,267 crore. In this line of business, private general insurers No. of persons Gross Scheme covered Premium are the major players with a market share of about

(lakh) (````` crore) 84 per cent in gross premium. The ICR for this line of IRCTC 4,210.37 17.34 business was 49 per cent for the year 2024-25.

PMJDY 1,465.85 7.20 I.6.5.14 During 2024-25, the gross premium PMSBY 3,703.39 754.93 collected from domestic travel insurance business Total 9,379.61 779.47 was `106.10 crore, registering a decrease of about Travel Insurance 15 per cent over the previous year. The general and health insurers have covered 2.95 crore lives under I.6.5.13 During 2024-25, 96.73 lakh lives were

1.68 lakh policies. covered under 27.97 lakh overseas travel insurance Table I.34: Business Under Overseas Travel Insurance No. of Lives (lakh) Gross Premium (`````crore) Incurred Claim Ratio (%) Insurer 2023-24 2024-25 2023-24 2024-25 2023-24 2024-25 Public Sector 0.74 0.86 19.05 18.59 50.96 95.18 Private Sector 58.69 66.02 931.99 1,060.05 43.43 49.29 Stand-alone Health 15.53 29.85 148.00 188.34 33.58 44.85 Total 74.96 96.73 1,099.04 1,266.98 42.16 49.45

Note: The data does not include the details of overseas travel insurance business carried-out in foreign countries.

Table I.35: Business Under Domestic Travel Insurance No. of Lives (lakh) Gross Premium (`````crore) Incurred Claim Ratio (%) Insurer 2023-24 2024-25 2023-24 2024-25 2023-24 2024-25 Public Sector 0.00 0.02 0.03 0.05 0.00 330.96 Private Sector 4,306.97 245.80 99.05 96.37 20.70 22.15 Stand-alone Health 24.41 49.41 26.45 9.68 10.81 -92.14 Total 4,331.38 295.23 125.53 106.10 18.77 11.62 Health Insurance Business Underwritten Outside the year 2024-25, they procured gross premium of India `212 crore from health, PA and travel insurance and I.6.5.15 Public sector general insurers namely New have covered 3.04 lakh lives. The ICR for this India, National and Oriental Insurance are doing business carried out outside India is 97.56 per cent health insurance business in foreign countries. During during 2024-25.

Table I.36: Health, PA and Travel Insurance Business Underwritten Outside India No. of Lives (‘000) Gross Premium (`````crore) Incurred Claim Ratio (%) Insurer 2023-24 2024-25 2023-24 2024-25 2023-24 2024-25 National 10.73 13.43 1.53 2.56 210.28 258.65 New India 992.39 276.00 150.96 173.13 106.12 103.00 Oriental 13.88 14.87 1.62 36.21 89.50 63.87 Total 1,017.00 304.29 154.11 211.90 106.83 97.56 Annual Report 2024-25 45POLICIES AND PROGRAMMES I.6.6 Specified Percentage of Business to be done of dwellings, shops, and vehicles under fire and in Rural and Social Sector motor insurance in allocated Gram panchayats I.6.6.1 The Rural and Social Sector Obligations are ii. Social Sector Obligations: All insurers—life, derived from Sections 32B and 32C of the Insurance general, and stand-alone health insurers Act, 1938 which stipulates that every insurer in India (excluding AIC and ECGC)—shall ensure that shall undertake a specified percentage of their 10 per cent of lives to be covered under social business in the rural and social sectors. Section 32D sector as a proportion of total lives covered.

specifies minimum third party motor insurance Further, the regulations link social sector business that the insurer carrying on general obligations to government-sponsored social insurance business is required to underwrite as security schemes such as PMJJBY and specified by IRDAI in the Regulations. PMSBY, cover beneficiaries of social security programs like MNREGA, UJJAWALA, and Regulations on Obligations of Insurers in Rural, PMAY, or provide coverage based on the Social Sectors and Motor Third party obligation vocation of individuals in the social sector on a declaration basis (up to a maximum of 20 per I.6.6.2 The IRDAI (Obligations of Insurers to Rural cent).

and Social Sectors) Regulations, 2015 and IRDAI (Obligation of Insurer in respect of Motor Third Party iii. Motor Third Party Obligation: Every General Insurance Business) Regulations, 2015 have been Insurer (other than stand-alone health insurers, reviewed and notified revised obligations as IRDAI AIC and ECGC) shall ensure minimum (Rural, Social Sector and Motor Third Party percentage increase, in number of Goods Obligations) Regulations, 2024 which came to in Carrying, Passenger Carrying Vehicles and effect from 1st April, 2024. Tractors (Miscellaneous segment) over last financial year separately for each category Under these regulations, the compliance and based on their respective Motor Third Party measurement of obligations have been revised with Insurance Market Share in the last financial the unit of measurement for rural obligations is now year, as under:

set at the level of Gram Panchayat, and the scope of the social sector has been expanded to include Motor Third Party Minimum percentage cardholders and beneficiaries under various Insurance Market increase in number of government schemes. Share of general Goods Carrying, Passenger insurer in the last Carrying Vehicles and The revised regulations had specified Rural, Social financial year Tractors (Miscellaneous and Motor Third Party Business obligations for the segment) over last financial year separately for each 2024-25 as under:

category i. Rural Sector obligations: All General Upto 2% 12.5% insurers (excluding stand-alone health insurers, 2% - 5% 10% AIC, and ECGC) shall collectively cover 5% - 10% 7.5% minimum 10 per cent of dwellings, shops, and More than 10% 5% vehicles under fire and motor insurance in the Every insurer shall underwrite a minimum of 5,000 goods, 5,000 Minimum 25000 of Gram Panchayats. Every passenger carrying vehicles and 1,000 tractors (Miscellaneous General insurer need to cover minimum 10% segment) in the first financial year following notification of Regulations.

46 Annual Report 2024-25POLICIES AND PROGRAMMES Fulfilment of Obligations by Insurers during 2024- difficult, for the FY 2024-25. The request was 25 considered by the Authority.

Life Insurers I.6.6.7 Further, IRDAI has also issued the Master

Circular on Rural, Social Sector and Motor Third Party I.6.6.3 The IRDAI (Rural, Social Sector and Motor Obligations, 2025 shall be applicable for the FY 2025- Third-Party Obligations) Regulations, 2024 together 26 and FY2026-27 and the Authority is monitoring with the 2025 Master Circular, mandate life insurers the implementation of the revised framework.

to meet the obligations:

With respect to 25,000 Gram panchayats allocated I.6.6.4 All Life Insurers are mandated to collectively to Life insurers, examination of meeting the insure 25,000 Gram Panchayats across the country. obligations and exemption to Gram Sachiv Gram panchayats are allocated to each of the Life certification is under process.

Insurers based on mutually agreed parameters such as market share. Each insurer has to insure minimum General & Health Insurers 10% of the population either under individual and/or I.6.6.8 Considering the representations received from group insurance policies in each of the allocated Life Insurance and General Insurance Councils, the Gram Panchayats to fulfil the Rural Sector Authority has exempted the mandatory requirement obligations.

of submission of Gram Sachiv certification wherever I.6.6.5 For Social sector obligations, all life insurers they are finding it difficult for FY 2024-25 and are mandated to insure minimum 10 per cent of lives permitted self-certification by Chief Executive Officer under social sector as a proportion of total lives of the insurer subject to the condition that the covered by them. The new provisions are expected compliance is supported by the validation by the to reach out to the grass roots of the country and statutory Auditor of the respective insurers.

provide measurable inclusion across the Life

Rural Obligation: insurance sector.

I.6.6.9 Under Rural Obligation, it is reported that all I.6.6.6 Under the above regulations, the certificate general insurers collectively have insured 1,61,525 of confirmation from the Gram Sachiv in the gram dwelling & shops and 11,82,073 Vehicles for panchayat shall form the basis of reporting of the allocated Gram panchayats. Verification of compliance with obligations under the IRDAI (Rural, compliance status of General Insurance Rural Social Sector and Motor Third Party Obligation) Obligation is under process.

Regulations, 2024. Given the First year following the

notification of the said regulations, the Life and

Social Obligation:

General Insurance councils have presented that majority of the insurers have expressed difficulty in I.6.6.10 11 General Insurers have reported that they procuring the certificates due to various not achieved social sector obligation for FY 2024- administrative issues and requested to exempt from 25. Verification of compliance status of General the mandatory requirement of submission of Gram Insurance Social Sector Obligation is under process.

Sachiv Certification, wherever they are finding it Annual Report 2024-25 47POLICIES AND PROGRAMMES Motor Third Party Obligation Investment Functions of Insurers) Regulations, 2024, which amongst others, include, the procedure for I.6.6.11 Under Passenger Carrying Vehicle and Appointment of Appointed Actuary, powers of Tractor Category, 18 insurers have reported shortfall Appointed Actuary, duties and obligations of and Under Goods carrying Vehicle Category, 17 Appointed Actuary and various other provisions with insurers have reported shortfall. Verification of respect to the Appointed Actuary system.

compliance status of General Insurance MTP Obligation is under process. I.6.7.3 The Appointed Actuary is, inter alia, responsible for rendering actuarial advice to the I.6.6.12 The SAHI insurers have covered 166.60 lakh management of the insurer, in particular in the areas lives under social sector i.e., 20 percent of total lives of product design and pricing, calculation of technical covered during the year complying with social sector provisions, insurance contract wording, investments obligations. With respect to Rural Sector, SAHI and reinsurance, ensuring solvency of the company, insurers covered 17.76 lakh lives in health and 12.21 effective implementation of the risk management lakh lives under personal accident.

system and complying with the Authority’s directions from time to time. Further, the Appointed Actuary I.6.7 Accounts and Actuarial Standards has access to all the information or documents in I.6.7.1 The financial statements of insurers are possession or under control of the insurer if such prepared in the form and manner prescribed under access is necessary for the proper and effective the IRDAI (Actuarial, Finance and Investment performance of the functions and duties of the Functions of Insurers) Regulation 2024, amended Appointed Actuary.

from time to time and also by various circulars and I.6.8 Directions, Orders and Regulations given by guidelines issued from time to time. Books of the Authority accounts are to be maintained in order to present various line items as required under these IRDAI issued a number of orders and circulars during Regulations.

the year 2024-25, a list of which is placed at Annexure

4. A list of regulations notified during the year is I.6.7.2 IRDAI issued IRDA (Appointed Actuary) placed at Annexure 5.

Regulations, 2000 to uphold the financial integrity of insurance companies, protect the interest of I.6.9 Powers and Functions delegated by the policyholders’ and for ensuring a robust insurance Authority market. During financial year 2022-23, IRDAI issued the IRDAI (Appointed Actuary) Regulations, 2022, I.6.9.1 During the 126th meeting of the Authority dated subsuming the previous regulations on Appointed 02.08.2024 held in the Financial Year 2024-25, the Actuary. In order to enhance efficiencies in the Authority has delegated some of its powers under conduct of insurance business and to keep pace with the following Regulations/Master Circulars, to the changing insurance market dynamics, the Authority Chairman/ Whole Time Members/ other senior reviewed the IRDAI (Appointed Actuary) Regulations, officials of the Authority:

2022 and incorporated relevant provisions in the consolidated IRDAI (Actuarial, Finance and 48 Annual Report 2024-25POLICIES AND PROGRAMMES i. IRDAI (Registration, capital structure, transfer I.6.10 Other Policies and Programme having a of shares and amalgamation of insurers) bearing on the working of the Insurance Market Regulations, 2024.

A. Anti-Money Laundering/Countering the ii. IRDAI (Bima Sugam - Insurance Electronic Financing of Terrorism (AML/CFT) Programme Marketplace) Regulations, 2024 I.6.10.1 The Prevention of Money Laundering Act iii. IRDAI (Registration and Operations of Foreign 2002 (PMLA) and the rules framed thereunder, Reinsurers Branches and Lloyd’s India) provide the legal framework for the AML/CFT Regulations, 2024 guidelines (the guidelines) to the insurance sector which were first issued in March 2006. Since then iv. IRDAI (Protection of Policyholders’ Interests, the insurance sector has been working towards an Operations and Allied Matters of Insurers) effective implementation of AML/CFT regime in India.

Regulations, 2024 I.6.10.2 Currently, Master Guidelines on AML/CFT v. Master Circular on Corporate Governance for 2022 (as amended from time to time) are applicable Insurers, 2024 for the insurance sector. During FY 2024-25, one amendment was carried out to the Master Guidelines vi. Master Circular on Rural, Social Sector and in order to implement amendments effected to Motor Third Party Obligations, 2024.

Prevention of Money Laundering (Maintenance of I.6.9.2 During the 128th meeting of the Authority Records) Rules, 2005. Further, in order to strengthen dated 20.12.2024 held in the Financial Year 2024- the co-operation with Financial Intelligence Unit – 25, the Authority has delegated some of its powers India (FIU-Ind), IRDAI entered into revised under the following Regulations, to the panel of Whole Memorandum of Understanding (MoU) during FY

Time Members of the Authority: 2024-25. Details are presented in box item I.2. i. IRDAI (Insurance Brokers) Regulations, 2018 I.6.10.3. During FY 2024-25, IRDAI also accepted invitation of FIU-India to join ‘FIU-India Initiative for ii. IRDAI (Registration of Corporate Agents) Partnership in AML/CFT’ (FPAC). FPAC is a platform Regulations, 2015 for collaboration between FIU-India and other stakeholders in AML/CFT domain. FPAC serves as iii. IRDAI (Registration of Insurance Marketing a permanent platform for Public-Private Partnership Firm) Regulations, 2015

(PPP), collaboration and exchange of information in the matters pertaining to AML/CFT, financial iv. IRDAI (Third Party Administrators – Health intelligence, typologies and other topics relating to Services) Regulations, 2016 illicit financial flows and misuses of the Indian financial v. IRDAI (Insurance Web Aggregator) system and Emerging concerns relating to economic Regulations, 2017 and national security.

Annual Report 2024-25 49I.6.10.4 Increasing awareness about AML/CFT CFT/CPF framework put in place by the jurisdiction obligations and ML/TF risks remains one of the focus in preventing the abuse of the financial sector for areas for IRDAI during the FY 2024-25. IRDAI ML/TF/PF purposes.

conducted multiple outreach programs on AML/CFT I.6.10.6. During FY 2024-25, Mutual Evaluation matters during the year. In order to further strengthen Report of India was adopted by FATF at its June the AML/CFT knowledge in the Industry, IRDAI has 2025 plenary held in Singapore. India has achieved requested Institute of Insurance and Risk an outstanding outcome in the Mutual Evaluation Management (IIRM) to design training program for conducted by Financial Action Task Force (FATF).

Insurance industry on AML/CFT/CPF matters. IRDAI The FATF places India in the ‘regular follow-up’ also worked closely with FIU-India in order to ensure category, a distinction shared by only four other G20 upgradation of AML/CFT skills in Insurance sector.

countries. This marks a significant milestone in the I.6.10.5 FY 2024-25 also remains important from the nation’s efforts to combat money laundering (ML) and perspective of FATF Mutual Evaluation report. During terrorist financing (TF).

the last FY, Financial Action Task Force (FATF) which I.6.10.7. IRDAI under the aegis of Department of is a global watchdog for Money Laundering (ML) and Revenue has actively participated in the Mutual Terrorist Financing (TF) has commenced the Mutual Evaluation process. IRDAI along with select Evaluation (ME) of India’s AML/CFT framework. The representatives from insurance industry interacted ME process, inter alia, involves the assessment of with FATF AT and demonstrated measures put in the compliance to the FATF recommendations place to prevent abuse of Insurance sector for ML/ (technical compliance) and effectiveness of the AML/ TF/PF.

50 Annual Report 2024-25BOX I.2 MOU BETWEEN FIU-IND AND IRDAI FOR ENHANCED COORDINATION AND INFORMATION EXCHANGE.

IRDAI and Financial Intelligence Unit- India (FIU-Ind) signed a Memorandum of Understanding (MoU) on 06th January, 2025 at New Delhi, as part of continued coordinated efforts in effective implementation of requirements of the Prevention of Money Laundering Act and Rules framed thereunder. This MoU replaced the earlier MoU entered on 29th January 2014.

The MoU was signed by Shri Vivek Aggarwal, Director, FIU-IND and Shri Satyajit Tripathy, Member

(Distribution), IRDAI.

According to the MoU, FIU-IND and IRDAI will cooperate with each other in the areas of mutual interest

including the following: i) Appointment of a nodal officer and an alternate nodal officer by each party to the MoU. ii) Sharing of relevant intelligence and information iii) Laying down procedure and manner in which the regulated entities/reporting entities report to FIU-IND under the PML Rules.

iv) Conducting outreach and training for regulated entities /reporting entities. v) Upgradation of AML/CFT skills in the regulated entities / reporting entities regulated by IRDAI. vi) Assessment of Anti-Money Laundering/Combating Financing of Terrorism (AML/CFT) risks and vulnerabilities in insurance sector.

vii) Identification of red flag indicators for Suspicious Transaction Reports(STRs) in insurance sector. viii) Supervising and monitoring the compliance of regulated entities / reporting entities with their obligations under PMLA, PML Rules and IRDAI Guidelines.

ix) Compliance with each other's obligations under the relevant international standards. x) Conduct of quarterly meeting to discuss the above in addition to typologies/trends in AML/CFT crimes, cases where sanctions have been imposed etc.

xi) Exchange of Information under EGMONT principles of Information ExchangePOLICIES AND PROGRAMMES B. Right to Information (RTI) Act, 2005 before 31st May for the coverage period 1st June to 31st May on an annual renewal basis. The risk I.6.10.8 During the year, interaction session was coverage under the scheme is `2 lakh for accidental organised for Central Public Information death and full disability and `1 lakh for partial Officers(CPIOs) by First Appellate Authority (FAA) disability. The premium is `20 per annum for policy on the provisions of RTI Act, 2005 for effective year 2024-25. The scheme is offered by general discharge of duties and responsibilities in accordance insurance companies which are having tie-up with with the provisions of the Act. Further, pursuant to banks for this purpose. As on 31st March 2025, this the Section 4(2), Chapter II of Act, a Committee of scheme is being offered by the 4 public sector general CPIOs and FAA has already been constituted to insurers and 8 Private insurers identify and review periodically, the categories of information frequently asked by the applicants. Pradhan Mantri Fasal Bima Yojana (PMFBY) and Restructured Weather Based Crop Insurance Government Flagship Insurance Schemes Scheme (RWBCIS) Pradhan Mantri Jeevan Jyoti Bima Yojana I.6.10.11 Pradhan Mantri Fasal Bima Yojana

(PMJJBY):

(PMFBY) was launched during the Kharif 2016 season with the objective of supporting agricultural I.6.10.9 PMJJBY is a one-year Group Term Life production by offering an affordable crop insurance Insurance Scheme designed by the Government of product. The scheme aims to provide comprehensive India offering life insurance cover for death due to risk coverage for farmers’ crops against all non- any cause. All individual (single or joint) account preventable natural risks, spanning from the pre- holders of participating banks / Post office, in the sowing to the post-harvest stages. PMFBY currently age group of 18 to 50 years are entitled to join by accounts for over 90 per cent of the total crop giving their consent to join / enable auto-debit. In case insurance business in India and is implemented by of multiple accounts held by an individual in one or empanelled general insurance companies.

different banks / Post offices, the person is eligible to join the scheme through one bank / Post office The scheme has recently been strengthened with account only. The life cover of two lakh rupees shall

the following enhancements: be for the one-year period stretching from 1st June of the year to 31st May of the next year and is auto- A. Greater Flexibility for States in Choosing Risk renewable every year thereafter. The premium is 436 Transfer Options: States can now select a per annum (for Policy Year 2024-25). As on 31st model that aligns with their financial capacity March 2025, this scheme is being offered by the and specific needs. Available options include:

public sector Life insurer and 13 Private life insurers. a. Profit Sharing Model Pradhan Mantri Suraksha Bima Yojana (PMSBY): b. Cup and Cap Model (60:130) I.6.10.10 The Scheme is available to people in the c. Cup and Cap Model (80:110) age group 18 to 70 years with a bank account who give their consent to join / enable auto-debit on or 52 Annual Report 2024-25POLICIES AND PROGRAMMES This increased flexibility allows states to • YESTECH (Yield Estimation System Through manage their risk exposure more effectively. Technology) B. Streamlined Subsidy Payment Mechanism: • WINDS (Weather Information Network and The payment process will now be routed Data System) through an escrow account jointly managed by • CROPIC (Collection of Real-time Photo and the State Government and the Government of Observation of Crop) India to ensure timely disbursement of premium subsidies and uphold strict financial discipline.

These interventions aim to build stakeholder All financial transactions, including both confidence and reduce delays in the availability of subsidies and claim settlements, will be Actual Yield (AY) data.

processed via the National Crop Insurance Portal (NCIP). I.6.10.12 Restructured Weather Based Crop Insurance Scheme (RWBCIS) was launched on C. Use of Mobile Application for Crop Cutting 18th February 2016 and aims to mitigate the hardship Experiments(CCEs): A specially developed of the insured farmers against the likelihood of mobile app by the Government of India will be financial loss on account of anticipated crop loss used for conducting CCEs. This will promote resulting from adverse weather conditions relating greater transparency and enable faster to rainfall, temperature, wind, humidity etc. RWBCIS dissemination of data.

uses weather parameters as “proxy for crop yields in compensating the cultivators for deemed crop D. Integration of Technological Tools for Yield losses. All standard Claims are processed and paid

Estimation and Crop Monitoring: Advanced within 45 days from the end of the risk period. Both tools and systems will be used to enhance yield PMFBY and RWBCIS are being administered by estimation and monitor crop health, including:

Ministry of Agriculture.

Annual Report 2024-25 53HighlightsHIGHLIGHTSHIGHLIGHTSPART – II Review of Working and OperationsREVIEW OF WORKING AND OPERATIONS II.1 Regulation of Insurance and Reinsurance (i) To facilitate innovation in the insurance sector Companies while ensuring orderly development of the insurance sector and protection of interests of Comprehensive Review and Simplification of the policyholders

Regulatory Framework:

(ii) To facilitate creation of regulatory sandbox II.1.1 As part of the inclusion agenda, the Insurance environment and to relax such provisions of Regulatory and Development Authority of India any existing Regulations framed by the

(IRDAI) is committed to achieving ‘Insurance for All’ Authority for a limited scope and limited by 2047. This vision is aimed to provide every citizen duration, if such a relaxation is necessary with suitable life, health, and property insurance during the experiment period.

coverage, and to support every enterprise with appropriate insurance solutions. To realize this goal, (iii) The scope of the sandbox has been expanded the IRDAI continued its focus on creating a to encourage proposals that foster innovation, progressive, supportive, and facilitative regulatory improve efficiency and ease of doing business.

framework to foster a conducive and competitive A notable addition is an enabling provision to environment that offers a wide range of choices, and file Inter-Regulatory Sandbox proposals, ensures accessibility and affordability for cutting across more than one financial sector.

policyholders.

II.1.1.2 IRDAI (Maintenance of Information by the It is envisaged that the facilitative regulatory Regulated Entities and Sharing of Information by framework enables insurance industry capture the the Authority) Regulations, 2025 economic opportunity presented by markets thereby As part of rationalizing the regulatory framework, providing adequate coverage to the uninsured.

three erstwhile regulations, namely, IRDAI (Minimum With this spirit, as also to maintain an agile, Information Required for Investigation and progressive, and forward-looking insurance sector, Inspection) Regulations, 2020, Insurance Regulatory a comprehensive review of the regulatory framework and Development Authority (Sharing of Confidential is carried forward. Information Concerning Domestic or Foreign Entity) Regulations, 2012 and IRDAI (Maintenance of Further, in continuation to the process of Insurance Records) Regulations, 2015 were strengthening the regulatory architecture, five reviewed and consolidated into a unified regulation, regulations were notified.

called the IRDAI (Maintenance of Information by the Regulated Entities and Sharing of Information by the II.1.1.1 IRDAI (Regulatory Sandbox) Regulations, Authority) Regulations, 2025.

2025

Some of the provisions of these regulations are:

The IRDAI (Regulatory Sandbox) Regulations, 2025

was notified with the following objectives:

Annual Report 2024-25 61REVIEW OF WORKING AND OPERATIONS i) The Regulation mandates electronic record- (ii) Provision to allow circulation of notice and keeping with robust security and privacy agenda for the meetings to Members of IAC in measures, requires regulated entities to adopt less than 7 days with the approval of the data governance framework and implement Chairperson.

Board approved policies for record

(iii) Provision for enabling the Chairperson to maintenance. decide the mode of meeting along with place ii) Insurers and the intermediaries including and time. insurance intermediaries to maintain all basic, II.1.1.4 IRDAI (Reinsurance Advisory Committee) necessary and relevant data and information

(Amendment) Regulations, 2025 to enable the investigating officer appointed under Section 33 of the Insurance Act, 1938 to The erstwhile IRDAI (Reinsurance Advisory investigate or inspect the affairs of any insurer, Committee) Regulations, 2019 were reviewed and intermediaries including insurance certain amendments to the regulations were notified intermediaries and report to the Authority on in the IRDAI (Reinsurance Advisory Committee) any such investigation.

Regulations, 2025 so as to enhance the efficiency of conduct of the Reinsurance Advisory Committee. iii) It also sets guidelines for judicious sharing of confidential information by IRDAI; and

Some of the key provisions are as follows: mandates data to be held in data centres located and maintained in India only. a) Provision to empower the Chairman of the Committee to decide the mode of meeting II.1.1.3 IRDAI (Insurance Advisory Committee) along with place and time.

(Amendment) Regulations, 2024 b) Inclusion of specific provision for Resignation As part of the review of regulations on administrative and Removal of member of the Reinsurance aspects of the regulatory functions of IRDAI, the Advisory Committee.

aforementioned regulations have been reviewed and certain amendments are proposed to the regulations II.1.1.5 IRDAI (Meetings) (Amendment) so as to enhance the clarity and efficiency in the Regulations, 2025 advisory functions of the Insurance Advisory Committee. The erstwhile IRDA (Meetings) Regulations, 2000 as a part of the ongoing review of regulatory framework

Some of the key features include: were reviewed and the IRDAI (Meetings)

(Amendment) Regulations, 2025 were notified.

(i) Flexibility in conducting number of meetings

rather than hardcoding the number of meetings The key provisions include the following: and considering Financial Year instead of Calendar for reckoning the number of a) Flexibility in conducting number of meetings meetings. rather than hardcoding the number meetings and considering Financial Year instead of 62 Annual Report 2024-25REVIEW OF WORKING AND OPERATIONS Calendar for reckoning the number of Insurance Agents associated with Life Insurers meetings.

II.2.1.1 The number of individual agents as at b) Provision to allow circulation of notice and March 31, 2025 was 31.23 lakhs as against 28.95 agenda of the meetings to Members of the lakhs as at 31st March, 2024. The industry showed Authority in less than 7 days with the approval a growth of 7.87 percent in net number of agents of the Chairperson. over the previous year. While the private life insurers recorded a growth of 10.53 per cent, Public c) Provision for the Chairperson or the senior- sector Insurer recorded a growth of 5.10 per cent.

most Whole-time member to decide the mode As at 31st March 2025, the number of agents with of meeting along with place and time.

Public Sector Insurer stood at 14.87 lakhs and the corresponding number for private sector insurers II.1.2 These changes align with IRDAI’s broader was 16.37 lakhs. move towards a modern, dynamic and principle- based efficient regulatory framework. By fostering II.2.1.2 During the year 2024-25, 11.15 lakh agents enhanced governance norms and stipulations of were appointed and 8.87 lakh agents were maintenance of data security, these measures aim terminated. Out of the total 31.23 lakh individual to drive sustainable growth, improve efficiency in agents of Life insurance industry, male individual operations and uphold policyholder protection in the agents form 65.58 percent and female individual dynamic insurance landscape.

agents are 34.42 percent.

II.2 Insurance Agents and Insurance Insurance Agents associated with General and Intermediaries Associated with Insurance Health Insurers Business II.2.1.3 Number of agents associated with general II.2.1 Insurance Agents insurers as on 31st March 2025 recorded an increase of 12.17 per cent over the previous year. There are An Insurance Agent is an individual appointed by an no agents associated with specialized insurers. Out Insurer for the purpose of soliciting or procuring of the total 7,73,107 agents of general insurers, 75 insurance business including business relating to per cent are male and 25 per cent are female.

continuance, renewal or revival of policies of insurance. No individual shall act as an insurance II.2.1.4 Number of agents associated with standalone agent for more than one life insurer, one general health insurers recorded a growth of 18.66 per cent insurer and one health insurer and one each of the over the previous year. Out of the total 15.49 lakh specialised insurers. The appointment of individual individual agents of Stand-alone health insurers, 71 agents is governed by the IRDAI (Appointment of per cent are male and 29 percent are female.

Insurance Agents) Regulations, 2016.

Annual Report 2024-25 63REVIEW OF WORKING AND OPERATIONS Table II.1: Insurance Agents Associated with Life, General & Health Insurers As on 31st Appointment Termination As on 31st Insurer March 2024 during 2024-25 during 2024-25 March 2025 Public Sector Life Insurer 14,14,743 4,94,530 4,22,422 14,86,851 Private Sector Life Insurers 14,80,695 6,20,496 4,64,598 16,36,593 Life Insurance Industry Total # 28,95,438 11,15,026 8,87,020 31,23,444 Public Sector General Insurers 3,18,096 12,903 1,092 3,29,907 Private Sector General Insurers 3,81,054 86,764 24,618 4,43,200 General Insurance Industry Total 6,99,150 99,667 25,710 7,73,107 Stand-alone Health Insurers 13,05,569 2,72,780 29,205 15,49,144 Insurance Industry Total 49,00,157 14,87,473 9,41,935 54,45,695 # Life insurance business of Sahara India Life Insurance Company Ltd (SILIC) is transferred to SBI Life Insurance Company Ltd (SBI Life) by IRDAI vide its Order dt. 2.6.2023 and the above data / information for the FY 2024-25 does not include data / information pertaining to SILIC”.

Table II.2: Gender-wise Distribution of Insurance Agents Associated with Life, General & Health Insurers Insurer Male Female Others Total Public Sector Life Insurer 9,90,488 4,96,363 0 14,86,851 (66.62) (33.38) (0.00) (100.00) Private Sector Life Insurer 10,57,730 5,78,862 1 16,36,593 (64.63) (35.37) (0.00) (100.00) Life Insurance Industry Total 20,48,218 10,75,225 1 31,23,444 (65.58) (34.42) (0.00) (100.00) Public Sector General Insurers 2,66,534 63,373 0 3,29,907 (80.79) (19.20) (100.00) Private Sector General Insurers 3,17,210 1,25,990 0 4,43,200 (71.57) (28.42) (100.00) General Insurance Industry Total 5,83,744 1,89,363 0 7,73,107

(75) (25) (100) Stand-alone Health Insurers 10,94,307 4,54,837 0 15,49,144

(71) (29) (100) Insurance Industry Total 37,26,269 17,19,425 1 54,45,695

(68) (32) (0) (100)

Note: Figures in brackets indicate percentage to total # “Life insurance business of Sahara India Life Insurance Company Ltd (SILIC) is transferred to SBI Life Insurance Company Ltd (SBI Life) by IRDAI vide its Order dt. 2.6.2023 and the above data / information for the FY 2024-25 does not include data / information pertaining to SILIC”.

64 Annual Report 2024-25REVIEW OF WORKING AND OPERATIONS II.2.3 Insurance Brokers II.2.3.1 The number of registered brokers is 954 as on 31st March 2025. Out of this, the valid brokers stood at 771 and remaining 183 are not in force as on 31st March 2025. The 771 valid brokers comprise of 690 direct brokers, 77 composite brokers and 4 reinsurance brokers.

Total 100 new Certificate of Registrations (CoR) were II.2.2 Corporate Agents issued during the FY 2024-25 out of which 88 were direct insurance brokers (Life & General), 8 direct II.2.2.1 Corporate Agents are insurance insurance brokers (General) and 4 were composite intermediaries holding a valid registration certificate brokers. During the period, 215 insurance broker issued by the Authority under the IRDAI (Registration of Corporate Agents) Regulations, 2015. This registrations were renewed.

certification enables them to solicit and service II.2.4 Micro Insurance Agents insurance business across various categories including life, general and health insurance.

Micro insurance is specifically intended for the Corporate Agents primarily consist of entities protection of low-income people, with affordable engaged in business sectors other than insurance insurance products to help them cope with and distribution. These entities leverage their existing recover from financial losses. The need of insurance customer base and market presence to facilitate the for underprivileged section cannot be avoided as this cross-selling of insurance products. To enhance the

section of society is more prone to many risks. IRDAI diversity of insurance options available to customers, IRDAI has revised the regulations for Corporate (Insurance Products) Regulations, 2024 revised the Agents, permitting them to establish partnerships with definition of micro insurance product as under:

up to nine life insurers, nine non-life insurers, and • insurance products designed or notified or nine stand-alone health insurers. As of 31st March 2025, there are 661 active Corporate Agents, sponsored by the Central Government and/or including 237 banks and 424 NBFCs, cooperative the State Government under the head “Micro- societies, limited liability partnership firms & other insurance”;

eligible entities. • insurance products subsidized either fully or Table II.3: Corporate Agents Active with partly by the Central Government and/or the Insurance Business (as on 31st March 2025) State Government; and NBFCs Total Category Banks & others • any other product approved as “Micro- Life 6 10 16 insurance” product by the Competent Authority.

General 11 22 33 The details of Micro Insurance Agents (MI Agents) Health 0 0 0 and policies issued though them during FY 2024-25 Composite 220 392 612

are as under:

Total 237 424 661 Annual Report 2024-25 65REVIEW OF WORKING AND OPERATIONS Micro Insurance in Life Insurance Sector at 9.32 lakh new policies with a premium of `359.05 crore, the number of lives covered under group micro II.2.4.1 Forty-seven (47) micro insurance products business is 1,364.48 Lakhs with a premium of of 24 life insurers were available in the market for `9,242.85 crore. LIC’s contribution to micro sale as at March 31, 2025. Of these 47 products, 11 insurance was 9.00 lakh policies with a premium of are Individual products and the remaining 36 are `354.81 crore under individual business and 52.31 Group products. Details of Micro Insurance Products lakh lives with `153.04 crore premium under group are at Annexure 6. The performance of micro business. The private sector contribution to micro insurance business in Life Insurance Sector during insurance was 0.32 lakh policies and `4.23 crore FY 2024-25 is given in Table II.4.

premium in individual business and 1,312.18 lakh lives with `9,089.80 crore premium under group II.2.4.2 While the individual new business under the business. micro insurance segment for the year 2024-25 stood Table II.4: Performance of Micro Insurance Business in Life Insurance Sector Individual New Business Group New Business Insurer Policies Premium Schemes Premium Lives

(Lakh) (`````Crore) (`````Crore) covered (Lakh) Private sector 0.32 4.23 661 9,089.80 1,312.18 Public sector 9.00 354.81 3,510 153.04 52.31 Total # 9.32 359.05 4,171 9,242.85 1,364.48

Note: New business premium includes first year premium and single premium. # Life insurance business of Sahara India Life Insurance Company Ltd (SILIC) is transferred to SBI Life Insurance Company Ltd (SBI Life) by IRDAI vide its Order dt. 2.6.2023 and the above data / information for the FY 2024-25 does not include data / information pertaining to SILIC.

Table II.5 Micro Insurance Agents of Life II.2.4.3 The number of micro insurance agents as at Insurers 31st March 2025 stood at 1,01,630 of which 18,655 agents pertain to Public Sector Life insurer and the Private Public Total Agents remaining 82,975 pertained to private sector life Sector Sector insurers. Out of the total Micro Insurance agents, NGOs 7 4,430 4,437 NGOs form 4.37 percent, Self Help Groups (SHGs) SHGs 1 235 236 form 0.23 percent, Micro Finance Institutions (MFIs) MFIs 24 213 237 form 0.23 percent, Business Correspondents (BCs) Business Cor- form 0.11 percent and other MI Agents form 95.06 respondents 8 101 109 percent.

Other MI Agents 82,935 13,676 96,611 Total 82,975 18,655 1,01,630 Life insurance business of Sahara India Life Insurance Company Ltd

(SILIC) is transferred to SBI Life Insurance Company Ltd (SBI Life) by IRDAI vide its Order dt. 2.6.2023 and the above data / information for the FY 2024-25 does not include data / information pertaining to SILIC.

66 Annual Report 2024-25REVIEW OF WORKING AND OPERATIONS Micro Insurance in General Insurance Sector to solicit or procure commercial lines of business for any segment other than MSMEs.

Table II.6 Performance of Micro Insurance Business under General Insurers • In addition to insurance products, IMFs may Private Public Total distribute a range of financial products, Particulars General General including mutual funds regulated by SEBI, Insurers insurers pension products regulated by PFRDA, Number of MI Agents 67 639 706 banking and financial products from RBI- Number of Policies 74 26,023 26,097 regulated entities, and other instruments GDP (in `Cr) 12.81 19.15 31.96 permitted by the Authority. They may also

Note: Does not include Micro Insurance policies issued by Stand-alone distribute non-insurance financial products Health Insurers offered by the Department of Posts or those II.2.5 Insurance Marketing Firm distributed by SEBI-registered Investment Advisors.

II.2.5.1 Insurance Marketing Firms (IMFs) are insurance intermediaries registered with the Authority II.2.5.3 An insurance Sales Person (ISP), who is a and governed by the IRDAI (Registration of Insurance resident of the IMF’s area of operation and has Marketing Firms) Regulations, 2015 (as amended successfully completed the prescribed training and up to 2022). IMFs were introduced with the objective passed the required examination, is authorized to of enhancing insurance penetration, particularly in solicit or procure insurance products on behalf of the rural and underserved areas. A registered IMF is IMF.

permitted to operate in all districts within the state II.2.5.4 To provide prospects and policyholders with for which registration is granted and may solicit or wider access and choice across various distribution procure insurance business from across the country.

channels, IRDAI revised the tie-up limits for IMFs II.2.5.2 IMFs are permitted to solicit or procure through the IRDA (Insurance Intermediaries) insurance products through appointed Insurance Amendment Regulations, 2022. IMFs may now Sales Persons (ISPs) and to market other financial engage ISPs to solicit and procure insurance products through engaged Financial Service products from up to six life insurers, six general Executives (FSEs), as specified in the regulations. insurers, and six health insurers, with prior intimation The scope of business for IMFs includes, inter alia: to the Authority. In addition, IMFs may collaborate with specialized institutions such as the Agriculture • Solicitation and procurement of all types of Insurance Company of India Ltd. (AIC) and the Export insurance products sold on an individual and/ Credit Guarantee Corporation of India Ltd. (ECGC).

or retail basis, including crop insurance for non- loanee farmers and combi products. II.2.5.5 To encourage market participation and enhance insurance penetration in Aspirational • Insurance policies such as property, group Districts, IRDAI has mandated that the Insurance personal accident, group health, Group Marketing Firms (IMFs) who have opted for operating Savings-Linked Insurance (GSLI), and term in more than one district must mandatorily open office insurance for Micro, Small and Medium in at least one Aspirational District.

Enterprises (MSMEs). IMFs are not permitted Annual Report 2024-25 67REVIEW OF WORKING AND OPERATIONS II.2.5.6 Details of IMF are as under: • Total renewal premium (Life) collected: ` 2,022 crore • 487 NOCs were issued during FY 2024-25.

• A total of 3,613 NOCs were issued till 31st • No. of RAP who have undergone training and March 2025. have passed the exam and have been issued

certificates: 4,340 • 120 Certificate of Registrations were issued during FY 2024-25. • No. of RAP who have undergone training • A total of 799 registrations were issued till 31st and have passed the exam and have been March 2025. issued certificates since inception: 1,09,481 Out of the 799 number of total registrations, 590 IMFs • No. of VLE-Ins who have undergone training are in force and the remaining 209 are not in force. and have passed the exam and have been

issued certificates: 27,990 II.2.5.7 In January 2018, the NITI Aayog initiated the “Transformation of Aspirational Districts” program to • No. of VLE-Ins who have undergone training accelerate the development of the country’s most and have passed the exam and have been underdeveloped districts. Financial inclusion is a issued certificates since inception: 2,93,130 crucial metric among the 49 key performance II.2.7 Insurance Web Aggregators indicators used to assess the progress of these districts. Aligning with this program, the IRDAI has II.2.7.1 Insurance Web Aggregators are Insurance lowered the net worth requirement for operating in Intermediaries registered with the Authority and aspirational districts, encouraging potential applicants governed by IRDAI (Insurance Web Aggregators) to establish their operations in these areas.

Regulations, 2017. The Regulation was notified on April 13, 2017 with an objective of supervise and II.2.6 Common Public Service Centre-SPV monitor Web Aggregator.

II.2.6.1 The Common Service Centres (CSC) were II.2.7.2 Web Aggregator is a person (‘Person’ as established under the Digital India programme by the defined by the IRDAI (Insurance Web Aggregators) Government of India and are managed by CSC e- Regulations, 2017) who maintains a website for Governance Services India Limited. The Authority providing interface to the insurance prospects for initially issued the IRDAI (Insurance Services by price comparison and information of products of Common Service Centres) Regulations on October different insurers and are authorized to sell Life, 5, 2015, which were later replaced by the IRDAI General, and Health Insurance products through (Insurance Services by Common Public Service online and distance marketing channels. Further, an Centers) Regulations on July 30, 2019.

Insurance Web Aggregator shall have a minimum Performance of CPSC-SPV channel during the year paid up capital/ contribution of rupees twenty-five 2024-25 is as under: lakhs. As on March 31, 2025, the number of certified Insurance Web Aggregators is 32 and the active • Total new business premium procured:

Insurance Web Aggregators are 22. `406.74 crore 68 Annual Report 2024-25REVIEW OF WORKING AND OPERATIONS

Business Generated by Web Aggregators: II.2.9 Motor Insurance Service Provider • Total premium procured: `83.43 Crore II.2.9.1 The IRDAI has issued Motor Insurance Service Provider (MISP) guidelines in 2017 with an • Total number of policies issued: 3,31,498 objective to recognize the role of automotive dealer in distributing and servicing motor insurance policies • Total number of visitors to their website:

and to have regulatory oversight over their activities 62,18,796 connected to insurance.

II.2.8 Point of Sales Persons (POSPs) The number of MISPs registered as on 31st March II.2.8.1 In order to facilitate the growth of insurance 2025 is 26,316. The detailed MISP statistics as on business in the country and to enhance insurance 31st March 2025 is as under:

penetration and insurance density, the IRDAI as part Table II.8: Number of MISPs with various of its developmental agenda issued Guidelines on Sponsoring Agencies “Point of Sales Persons”. POSP means an individual who possesses the minimum qualifications, has Sponsoring No. of No.

undergone training and passed the examination as agency sponsoring of specified in the POSP guidelines and solicits and agencies MISP markets only such products as specified by the IRDAI.

Insurers 19 9,708 The number of POSP as on 31st March 2025 is Insurance Brokers 32 16,230 27,18,487. The detailed POSP statistics as on 31st Corporate Agents 6 378 March 2025 is as under:

Total 57 26,316 Table II.7: Number of POSPs with II.2.10 Insurance Repositories Corresponding Sponsoring Agencies II.2.10.1. The Insurance Repository System, an Sponsoring No. of No. initiative by the IRDAI, aims to dematerialize agency sponsoring of insurance policies. To achieve this, the IRDAI issued agencies POSP guidelines on Insurance Repositories and the Insurers 48 9,32,792 electronic issuance of insurance policies in April 2011.

Insurance Brokers 302 14,81,248 These guidelines were later revised in May 2015. As of 31st March 2025, a total of 2.03 crore Electronic Corporate Agents 73 3,04,303 Insurance Accounts (eIAs) had been created, and IMFs 5 144

2.74 crore policies had been converted to electronic Total 428 27,18,487 mode since April 2011. During FY 2024-25, 50.59 Lakh eIA has been created and 70.39 Lakh e- Insurance policies has been credited.

Annual Report 2024-25 69REVIEW OF WORKING AND OPERATIONS There are four Insurance Repositories approved by Table II.9: Number of SLA Licenses Issued the IRDAI as on 31st March 2025. They are:

Number of SLA Licences Issued · NSDL National Insurance Repository Type of SLA 2023-24 2024-25 · CDSL Insurance Repository Limited Fresh Licenses · CAMS Repository Services Limited Individual 396 485 · Karvy Insurance Repository Limited Corporate 24 23 Total 420 508 II.2.11 Insurance Surveyors and Loss Assessors Renewals Individual 2,809 3,046 II.2.11.1 Surveyors and Loss Assessors (SLA) play Corporate 56 57 a crucial role in the evaluation and settlement of Total 2,865 3,103 claims related to general insurance policies. A person Trainee Enrolments 1,424 1,258 (Individual/Company/Firm) willing to act as SLA must obtain license from the Insurance Regulatory and on the loss is obtained from a person licensed to act Development Authority of India (IRDAI) as mandated as a surveyor and loss assessor.

under Sections 42D and 64UM of the Insurance Act, II.2.12 Third Party Administrators (TPAs) 1938 (the Act) read with clause (f) of sub-section (1) of Section 2 of the Insurance Regulatory and II.2.12.1 As on 31st March 2025 there are 17 active Development Authority Act, 1999. In order to obtain TPAs. The Renewal application of CoR of Anmol license to act as SLA, an individual must possess Medicare Insurance TPA Limited with Registration the academic qualifications specified by the IRDAI No. 27 was rejected vide order dated 04.07.2024.

and must be a member of a professional body, Raksha Health Insurance TPA Private Limited is namely the Indian Institute of Insurance Surveyors merged with Medi Assist Insurance TPA Private and Loss Assessors (IIISLA), as per Section 64UM Ltd. effective from 1st January 2025. The TPAs of the Act. However, there is an appeal provision expanded the network of the hospitals by adding under the IRDAI (Insurance Surveyors and Loss 55,342 health services agreements to their Assessors) Regulations, 2015, for individuals to networks. After withdrawal/removal of 12,333 whom IIISLA does not grant membership. Section health services agreements, the number of 64UM of the Act also mandates that no claim for a agreements in the network remained at 2,73,816 loss occurring in India and requiring settlement in as on 31st March 2025. The TPA-wise network India, where the claim amount equals or exceeds agreements are provided at Annexure 11.

the value specified in the regulations by IRDAI, shall be admitted or settled by the insurer unless a report 70 Annual Report 2024-25REVIEW OF WORKING AND OPERATIONS II.2.13 Performance of Insurance Agents and marginally from 3.06 percent in the year 2023-24.

Intermediaries in Life Insurance Business Online sales channel contributed 0.87 percent in the year 2024-25 increased marginally from 0.65 Individual New Business percent in the year 2023-24. Micro Insurance (MI) agents, Common Service Centres (CSCs), Web II.2.13.1 The individual agents continue to be the Aggregators, Insurance Marketing Firm (IMF) and major distribution channel for individual new Point of Sales (POS) channels together contributed business. However, the contribution of individual less than 1 percent (0.60 percent) to the individual agents to the individual new business premium has new business premium in 2024-25, against 0.42 marginally decreased to 49.44 percent during the percent in 2023-24 (Table II.9).

year 2024-25 compared to 50.90 percent in 2023-

24. For public sector, individual agents are the Group New Business dominant channel of distribution with a share of

93.86 percent in individual new business premium II.2.13.3 Direct selling continued to be the dominant while individual agents under private sector channel of distribution for group business, with a contributed 22.80 percent of their individual New share of 84.52 percent of premium during FY 2024- Business premium. The second major distribution 25. The corresponding share in FY 2023-24 was channel of individual new business is corporate 82.74 percent. During FY 2024-25, this channel agents. The contribution of corporate agents, which contributed 52.45 percent and 97.58 percent of the was at 35.05 percent during 2023-24 has group new business premium of the private sector decreased marginally to 34.69 percent in the year insurers and public sector Insurer respectively.

2024-25. The share of corporate agents in the new Another important distribution channel for Group business premium procured by the private life business of the private insurers was Corporate insurers was significant at 52.97 percent in 2024- Agents-Banks. During the FY 2024-25, banks 25 (55.12 percent in 2023-24). On the other hand, contributed 21.28 percent and 0.10 percent of the the corporate agents share in individual new total group new business premium in case of the business premium of public sector marginally private insurers and public sector Insurer increased from 2.96 percent in 2023-24 to 4.20 respectively as against 22.94 percent and 1.64 percent in 2024-25. percent for private insurers and public sector Insurer respectively in FY 2023-24. During the FY II.2.13.2 The share of insurers’ direct sales channel 2024-25, public sector Insurer procured 2.07 was 10.68 percent in 2024-25 against 9.91 percent percent of the group business premium through in 2023-24 under individual new business. While its individual agency force while private insurers private insurers procured 17.09 per cent of their procured 1.40 percent through this channel. The new business premium through direct selling, no contribution of brokers channel increased to 2.28 business was attributed to direct sales by public percent in 2024-25 which was 2.11 percent in 2023- sector in FY 2024-25. Brokers channel contributed 24 in the industry new business premium under

3.72 percent in the FY 2024-25 increased group business (Table II.9).

Annual Report 2024-25 71REVIEW OF WORKING AND OPERATIONS Table II.10: Contribution of Agents and Intermediaries in Life Insurance New Business Premium. (Figures in percent of Premium) Sl. Type of Individual New Business Group New Business No. Intermediary Private Public Industry Private Public Industry Sector Sector Sector Sector 1 Individual Agents 22.80 93.86 49.44 1.40 2.07 1.87 2 Corporate Agents- Banks 49.66 4.13 32.59 21.28 0.10 6.23 3 Corporate Agents- others 3.31 0.07 2.10 17.29 0.01 5.01 4 Brokers 5.81 0.23 3.72 7.28 0.24 2.28 5 Direct Business 17.09 0.00 10.68 52.45 97.58 84.52 6 MI agents 0.00 0.17 0.07 0.26 0.00 0.07 7 CSCs 0.02 0.14 0.06 0.00 0.00 0.00 8 Web Aggregators 0.02 0.00 0.01 0.00 0.00 0.00 9 IMF 0.21 0.86 0.46 0.04 0.00 0.01 10 Online 1.07 0.53 0.87 0.00 0.00 0.00 11 Point of Sales (PoS) 0.01 0.00 0.01 0.00 0.00 0.00 Total Business 100.00 100.00 100.00 100.00 100.00 100.00

Note: 1. New business premium includes first year premium and single premium. “Life insurance business of Sahara India Life Insurance Company Ltd (SILIC) is transferred to SBI Life Insurance Company Ltd (SBI Life) by IRDAI vide its Order dt. 2.6.2023 and the above data / information for the FY 2023-24 does not include data / information pertaining to SILIC”.

72 Annual Report 2024-25REVIEW OF WORKING AND OPERATIONS Performance of Insurance Agents and corporate agents is 8.69 per cent of premium. All Intermediaries associated with General Insurers other channels together contributed to remaining 7.62 per cent of premium. For public sector general II.2.13.4 Amongst various channels of distribution insurers, Broker (34.90 per cent) followed by of business for general insurers, broker channel Individual Agent (31.37 per cent) and Direct (29.13 contributed major share in premium with 40.08 per per cent) are the major channel of distribution while cent followed by direct sale channel and individual for private sector general insurers, brokers (45.63 agents with 23.65 per cent and 19.96 per cent per cent) and direct sale (21.33 per cent) are the respectively in the year 2024-25. The contribution of major channel of distribution.

Table II.11: Contribution of Insurance Agents and Intermediaries in General Insurance Business (Figures in Percentage of Premium) PSUs Private - excl- Specialised Total Distribution Channel uding SAHI

1. Individual Agents 31.37 14.64 0.00 19.96

2. a Corporate Agents-Bank 0.59 8.04 0.01 5.08

2. b Corporate Agents- Others 0.32 5.79 0.00 3.61 Corporate Agents (Total) 0.91 13.83 0.01 8.69

3. Brokers 34.9 45.63 3.15 40.08

4. a Direct Business- Internet 0.41 1.82 0.59 1.27

4. b Direct Business- Other than internet 28.72 19.51 10.03 22.38 Direct Business (Total) 29.13 21.33 10.63 23.65

5. Micro Insurance Agent 0.01 0.01 0.10 0.01

6. Others 3.68 4.55 86.11 7.61 Grand Total 100 100 100 100 Performance of Insurance Agents and Intermediaries associated with Health Insurers (Excl. PA & Travel) II.2.13.5 Amongst various channels for distribution of health insurance policies, Brokers contributed a major share in total health insurance premium at 32 per cent. The share of this channel was high at 53 per cent in Group Health Insurance premium. Second important channel for distribution of health insurance business is individual agents, who contributed 31 percent of total health insurance premium. The share of individual agents was high at 72 percent in individual health insurance premium.

Annual Report 2024-25 73REVIEW OF WORKING AND OPERATIONS Entire Government business and about 25 percent contributed 8 percent of total health insurance of total health insurance premium is procured by premium and “Online Sale” channel contributed two insurers directly. “Bancassurance” channel per cent of total health insurance premium.

Table II.12: Contribution of Insurance Agents and Intermediaries in Health Insurance (Excl. PA & Travel) (Figures in Percentage of Premium) S. Channel Government Group Individual Total No. Distribution Business Business Business 1 Individual Agents 0.00 3.70 72.19 30.57 2 Corporate Agents i. Banks 0.00 11.25 5.85 8.21 ii. Others 0.07 5.83 1.04 3.47 3 Brokers 0.00 52.99 10.77 31.98 4 Direct Sale i. Online 0.00 0.26 3.88 1.68 ii. Other than Online 99.93 25.90 5.34 23.69 5 Micro Insurance Agents 0.00 0.02 0.00 0.01 6 Common Service Centres 0.00 0.00 0.02 0.01 7 Web aggregators 0.00 0.00 0.12 0.05 8 Insurance Marketing Firms 0.00 0.04 0.29 0.13 9 Point of Sales 0.00 0.00 0.52 0.20 Total 100 100 100 100 II.3 Professional Institutes Connected with Insurance Education II.3.1 Institute of Insurance and Risk Management

(IIRM) II.3.1.1 IIRM, co-promoted by IRDAI, is mandated to provide skilled human resources for the insurance sector, that is undergoing metamorphic changes, prompted by a slew of regulatory initiatives. With the changing paradigm and renewed focus on achieving the goal of ‘Insurance for All by 2047’, IIRM has begun aligning itself with this shared national vision. The Institute is increasingly prioritizing the evolving needs of the insurance sector, especially in training, upskilling, and capacity building.

74 Annual Report 2024-25REVIEW OF WORKING AND OPERATIONS II.3.1.2 The Institute conducted several high-impact II.3.2.3 During the year, III organized several thematic training programs during the year, including a 17- seminars addressing emerging trends and sectoral week induction program for newly recruited IRDAI challenges. Key events included sessions on officials in collaboration with ISB, Hyderabad. Other Actuarial Education and Cutting-edge Technologies significant training initiatives were conducted for (on III’s 69th Foundation Day), Human Resource some of the Govt Depts, Insurance Companies and Management in Insurance, Career Opportunities in for other agencies, covering Risk Management, the Industry, and the G.V. Rao Memorial Lecture and Induction Programs, and Bancassurance. Seminar on Fighting Insurance Fraud through Additionally, six Bancassurance training programs Technology.

were organized for officers of two Public Sector II.3.2.4 III is also recognized as a Research Centre Banks. by the University of Mumbai, enrolling students in II.3.1.3 The Institute hosted its Annual Conference the Ph.D. program in Business Management. To on the theme ‘Insurance@New Normal’ on 18th and expand insurance education outreach, the Institute 19th October 2024. The event witnessed participation has formal academic linkages with 42 colleges and from 150 delegates and was graced by industry universities nationwide.

leaders.

II.3.2.5 III actively engages with the industry and II.3.2 Insurance Institute of India (III) public through its “Bima Vikas Vartalap” YouTube series and publishes “The Journal”, a quarterly II.3.2.1 The Insurance Institute of India (III), with a magazine featuring expert insights on insurance and legacy of over 70 years, continues to play a pivotal allied subjects.

role in insurance education, training, and development. Recognized across the Indian II.3.3 Indian Institute of Insurance Surveyors and insurance industry, SAARC nations, and several Loss Assessors (IIISLA) global insurance markets, III is widely acknowledged II.3.3.1 The Indian Institute of Insurance Surveyors as a pioneer in fostering academic excellence and and Loss Assessors (IIISLA) is a professional body professionalism in the insurance sector. It is a of surveyors and loss assessors as per Section 64UM member of the Institute of Global Insurance of Insurance Act, 1938. The institute was promoted Education and maintains longstanding associations by IRDAI under Section 14(2)(f) of IRDA Act, 1999 with reputed global institutions, training bodies, and and incorporated under Section 8 of the Companies examination authorities.

Act, 2013. The institute is established to promote II.3.2.2 The Institute’s flagship certification quality in profession of Surveyors and Loss programs—Licentiate, Associate, and Fellowship— Assessors through education and training, facilitate remain benchmarks for insurance professionals. In introduction of best practices amongst its members 2024–25, III awarded Associate certificates to 2,481 and to disseminate technical information amongst candidates and Fellowship to 2,303 candidates. The its members to upgrade their skill and knowledge.

Institute also conducted multiple training programs Its objective is to promote research and studies in and pre-recruitment examinations for various loss control and minimization techniques and intermediary channels during the year. measure and share the same with Insurance Industry Annual Report 2024-25 75REVIEW OF WORKING AND OPERATIONS and general public and to update its members on II.3.4 Insurance Information Bureau (IIB) application of new technologies for improving service II.3.4.1 The Insurance Information Bureau of India to the users and consumers. Further, it is also

(IIB) has emerged as the largest platform for real- responsible for bringing out guidance notes, time data exchange among insurers, enabling instruction manuals, periodicals for the use and predictive analytics and real-time fraud mitigation benefit of members and others connected with the support.

profession of surveyors and loss assessors.

During 2024-25, IIB served the industry with the following products designed to meet the evolving

needs of the insurance industry:

76 Annual Report 2024-25REVIEW OF WORKING AND OPERATIONS II.4 Litigations, Appeals, and Court Motor Accident Claims Tribunal (MACT), and Lok Pronouncements Adalat (where IRDAI is a party), and also cases disposed/dismissed during 2024-25 are provided in II.4.1 The details of the litigations in terms of cases

tables below: filed before the Supreme Court, various High Courts, Securities Appellate Tribunal (SAT), Civil Courts, Table II.13: Details of cases filed during 2024-25 S. Particulars of Life Non- Health Interme- HR F&I PPGR Total No. Cases filed Life -diaries

1. Supreme Court 1 1 2

2. Writ Petitions filed in various High Courts 4 1 2 17 4 65 93

3. Securities Appellate Tribunal 0 1 1 3 2 7

4. Writ Appeals, LPAs filed in various High Courts 1 0 1

5. Consumer Cases (DCF+SCDRC+NCDRC) 56 56

6. NCLT/NCLAT 0 9 9 Total 4 3 4 21 4 11 121 168 Table II.14: Details of cases Disposed/Dismissed for the period 2024-25 S. Non- HR Health PPGR Life Interme F&I Total Particulars No. Life diaries

1. Writ Petitions disposed in various High Courts 1 2 6 37 - 10 - 56

2. Securities Appellate Tribunal - - 1 - - - 1

3. Writ Appeals ,LPAs disposed in various High Courts - - - - - 1 - 1

4. Consumer Cases (DCF+SCDRC+NCDRC) Civil, Lok Adalat & MACT - - - 39 - - - 39

5. NCLT/NCLAT - - - - - 9 9 Total 1 2 7 76 11 9 106 Annual Report 2024-25 77REVIEW OF WORKING AND OPERATIONS II.5 INTERNATIONAL COOPERATION IN II.5.1.3 As part of the IAIS’s standard setting activities, INSURANCE IRDAI participates in the consultation process and its nominated member representatives participates IRDAI evaluates the international best practices while in Committees/Working Group/ Task Forces introducing and implementing regulatory measures meetings too. The deliberations and knowledge domestically. In this context, and in furtherance of sharing translate into the formulation and adoption its regulatory objectives, IRDAI engages with various of global insurance standards.

international organizations, forums and foreign regulators. IRDAI continued to actively engage and IRDAI participates in peer review and self- contribute to ongoing developments in the assessment exercises that involve assessing the international arena in the financial year 2024-2025 implementation and observance level of Insurance as well. Core Principles’ standards, and its effectiveness in a jurisdiction. The IAIS’s Peer Review Process (PRP) II.5.1 Association with International Association supports members to identify the nature and extent of Insurance Supervisors (IAIS) of any weaknesses or gaps in supervisory and regulatory frameworks through assessment of II.5.1.1 The IAIS is a voluntary membership observance of IAIS standards.

organization of insurance supervisors and regulators from more than 200 jurisdictions, constituting 97% II.5.2 Bilateral Engagements of the world’s insurance premiums. It is the global standard-setting body responsible for developing and II.5.2.1 Effective May 2013, IRDAI is a signatory to assisting in the implementation of principles, the Multilateral Memorandum of Understanding standards and guidance as well as supporting (MMOU) of International Association of Insurance material for the supervision of the insurance sector. Supervisors (IAIS) which provides an international IRDAI is a member of IAIS and also member of the platform for cooperation and sharing of information.

Executive Committee of IAIS. The policy work of II.5.2.2 IRDAI had so far signed two bilateral MoUs.

IAIS is conducted through a committee system led One with Insurance Authority, United Arab Emirates by Executive Committee which is in turn supported

(UAE) and another with Federal Insurance Office by five policy Committees. IRDAI has representation

(FIO), United States of America (USA). The MoUs in three of these policy committees. These provide a framework for cooperation and committees oversee standard setting activities in the coordination, including for the exchange of area of policy development, financial stability and information and training assistance. However, during implementation and assessment of IAIS supervisory the last few years, the insurance supervisors and material etc.

related agencies from the countries of USA, II.5.1.2 Under IAIS Committee System, each Kazakhstan, Mongolia, Mauritius and Rwanda have committee has established various working groups/ also shown their willingness towards bilateral MoU task forces to help in carrying out their duties. At which are under consideration.

working group level, IRDAI has participation in II.5.3 Asian Forum of Insurance Regulators (AFIR) Financial Inclusion, Corporate Governance, Market Conduct, Macro Prudential Policy and Surveillance II.5.3.1 Asian Forum of Insurance Regulators (AFIR), and Insurance Capital Standard Development. a forum of insurance supervisors from Asia and Oceania regions, was established based on Beijing 78 Annual Report 2024-25REVIEW OF WORKING AND OPERATIONS Declaration on Regional Insurance Regulation II.5.5 Financial Sector Assessment Programme Cooperation in 2005. The mission of the AFIR is to (FSAP) strengthen capacity building, facilitate insurance regulatory capability and promote regulatory II.5.5.1 The Financial Sector Assessment Program cooperation in Asia and Oceania regions. AFIR (FSAP), a joint programme of the International currently has 22 members including India Monetary Fund (IMF) and World Bank (WB), is a represented by IRDAI. So far 19 AFIR meetings have comprehensive and in-depth assessment of a been held. The 19th Annual Meeting and Conference country’s financial sector. In developing economies of the Asian Forum of Insurance Regulators (“AFIR”) and emerging markets, FSAP assessments are bearing a theme of “Safeguarding Tomorrow: conducted jointly by IMF and World Bank and in Unifying Efforts to Bridge the Protection Gap and advanced economies by IMF alone. The FSAP Climate Risk” was held in Kathmandu, Nepal from includes two major components viz., financial stability 21st to 22nd January 2025 with the participation of assessment (responsibility of the IMF) and financial delegates coming from 17 countries as well as development assessment (responsibility of the World various International Organizations such as the Bank). FSAPs are mandatory for every five years for Organization for Economic Co-operation and the 29 systemically important jurisdictions. India is Development (OECD), Asian Development Bank one of these 29 countries. The first FSAP for India

(ADB), and the International Association of Insurance was conducted in 2011-12 and the second one in Supervisors (IAIS) etc. The conference discussed December, 2016. on a number of contemporary issues such as II.5.5.2 The third FSAP mission was initiated by the regulatory approaches to climate resilience in Nepal, joint IMF-WB team in December 2023. The Financial natural catastrophe protection gaps in Asia, System Stability Assessment (FSSA) report was integrated frameworks for closing protection gaps, published by IMF on February 28 2025. The FSSA climate risk financing strategies, supervisory report acknowledges that India’s insurance sector is roadmap activities, and national-level climate strong and growing, with a significant presence in resilience initiatives.

both life and general insurance. The sector has Chairman, IRDAI participated actively as a speaker remained stable, supported by better regulations and in the discussions held during the event. digital innovations. The report notes India’s progress in improving oversight, risk management and II.5.4 Financial Stability Board (FSB) governance and suggests further steps toward risk- based solvency / supervision frameworks and II.5.4.1 Financial Stability Board (FSB) is an stronger group supervision. It acknowledged international body established to address financial transition plans towards risk-based approach in the system vulnerabilities and to drive the development insurance sector. This reflects India’s commitment and implementation of strong regulatory, supervisory to global best practices and a resilient insurance and other policies in the interest of financial stability. sector. The FSAP recommendations are mainly One of the main mandates of FSB is to implement focussed on bringing about further improvements in G20 policy announcements on financial regulation. the structure and functioning of the insurance industry In FSB, India is represented by Ministry of Finance and many of the detailed recommendations are in

(MoF), Reserve Bank of India (RBI) and Securities conformity with the IRDAI’s own developmental Exchange Board of India (SEBI). IRDAI contributes plans. The details are given in Box Item II.1 to FSB’s work by way of providing its views and comments on insurance sector related issues discussed in the FSB meetings to the Ministry of Finance. IRDAI also provides responses to FSB surveys/ questionnaires/reviews relevant to insurance.

Annual Report 2024-25 79BOX II.1

Assessment of Indian Insurance Sector : FSAP India underwent a comprehensive Financial Sector Assessment Program (FSAP) in 2024, jointly conducted by the International Monetary Fund (IMF) and the World Bank. FSAP is a globally recognised framework for evaluating the stability and development needs of a nation’s financial system. As a jurisdiction deemed by the IMF to have a systemically important financial sector, India is subject to quinquennial mandatory FSAP to assess the stability of the financial system and identify key sources of systemic risk in the financial sector. The assessment concluded that the Indian financial system, driven by rapid economic growth, has become more resilient, diverse, and well-integrated since the last FSAP in

2017. One of the key areas of the review was the insurance sector and its regulatory framework overseen by the Insurance Regulatory and Development Authority of India (IRDAI). The efficient coordination within IRDAI greatly facilitated the smooth conduct of the assessment and enabled timely, well-supported engagements with the mission teams.

India was recognized as the 10th largest insurance market in the world, and the second-largest among emerging and developing economies.

Key Highlights from the Assessment of Indian Insurance Sector: • Global Recognition of India’s Insurance Market: With continued economic growth, a large youthful population, and growing middle class, the sector was acknowledged to have significant potential for expansion.

• Strong Supervisory Reputation of IRDAI: The IRDAI was noted as a respected and competent supervisor with a robust oversight framework. The report acknowledged that IRDAI enjoys a high level of credibility and has taken major steps over the years to strengthen regulation and market development.

• Sound Level of ICP Observance: The FSAP indicated a sound level of compliance with international supervisory standards, i.e. the Insurance Core Principles (ICPs). Key strengths included: o Strong licensing and suitability assessments.

o Effective enforcement mechanisms. o Comprehensive public disclosure and conduct rules. o Robust anti-money laundering and anti-fraud frameworks • The FSAP report appreciated IRDAI’s comprehensive self-assessment, supported by examples of supervisory practices and assessments which enhanced the robustness of ICP assessment • Reform-Oriented Vision: IRDAI's ongoing reform agenda was well appreciated. Key initiatives cited included:

o Transition to a risk-based capital (RBC) and risk-based supervision (RBS) regime, modelled on international best practices. o Use of a regulatory sandbox to support innovation in products and delivery models.

• Growth and Stability of the Sector: o The sector has shown healthy growth in assets and premiums—growing at over 10% per annum. o Most insurers maintained solvency well above the regulatory threshold of 150%, and life insurers showed signs of profitability recovery post-COVID.

o Despite challenges faced by some state-owned non-life insurers, overall market resilience was viewed positively, with no insurer failing to meet policyholder obligations in recent decades.

The FSAP commended the IRDAI for its progress and reform-oriented approach. With the upcoming implementation of risk-based frameworks and digital inclusion initiatives, India’s insurance regulatory environment is poised to align more closely with global best practices. These findings reaffirm IRDAI’s commitment to building a strong, inclusive, and forward- looking insurance sector.REVIEW OF WORKING AND OPERATIONS II.5.6 OECD International Network on Financial II.6.2 The Authority mandated all the insurers to have Education (INFE) in place, a Policyholders’ Protection, Grievance Redressal and Claims Monitoring Committee II.5.6.1 The Organization for Economic Co-operation (PPGR&CM) which shall establish suitable systems and Development (OECD) provides a unique policy and processes towards protection of the interests of forum for governments to exchange views and policyholders through efficient and effective grievance experiences on financial education as an important redressal mechanism, monitoring of claims means to financial inclusion. Having recognized the settlement processes and shall take measures importance of financial literacy, OECD International towards creation of insurance awareness and Network on Financial Education (INFE) was launched empowering of policyholders. In addition, the Insurers in 2008 by OECD governments. India participates are mandated to have a designated officer to deal regularly in the INFE’s activities, represented by four with grievances at every place of business and a of India’s financial regulators viz. RBI, SEBI, IRDAI proper internal escalation matrix in case grievances and PFRDA. IRDAI became a member of OECD are not addressed to the satisfaction of the INFE in April, 2012. During OECD INFE meetings, complainant.

the participants share initiatives taken across the globe with regard to Financial Literacy and Financial II.6.3 IRDAI has set up various channels to facilitate Inclusion. In May, 2024 IRDAI participated virtually complaint resolution for policyholders. The Bima in the OECD-Conassif symposium on financial Bharosa portal of IRDAI is integrated with the literacy, ‘Supporting financial consumers to navigate Complaints Management System of the insurers.

risk’. The portal offers an online platform for filing and tracking of grievances. Additionally, the IRDAI II.5.7 Other Engagements Grievance Call Center (IGCC) provides a toll-free telephone number and email address for registering II.5.7.1 During 2024-25, IRDAI continued to of grievances. This interconnected system allows contribute towards an effective and useful IRDAI to effectively monitor insurers’ grievance engagement with the Government of India with regard disposal processes for ensuring efficient resolution to various international Treaties and dialogues in of policyholder grievances. Moreover, the Bima areas related to insurance sector.

Bharosa portal includes a web link for unclaimed II.6 Grievances amounts, allowing policyholders or beneficiaries to search for any unclaimed funds due to them.

II.6.1 The Authority plays a vital role in protecting policyholders by ensuring insurers have effective II.6.4 The following table shows the analysis of systems for addressing complaints. It promotes grievances reported across Indian insurance sector timely grievance resolution to enhance policyholder by highlighting the total number of policies issued trust and confidence. To this end, insurers are and lives covered, the number of grievances required to establish accessible and efficient registered, and the expressing grievance rate as a grievance redressal mechanisms, including online percentage to total policies and lives.

complaint submission, proper handling of issues raised through various channels, and prominently displaying redressal procedures on their websites and in all their offices.

81 Annual Report 2024-25REVIEW OF WORKING AND OPERATIONS Table II.15: Analysis of Grievances Registered during 2024-25 Particulars Life General & Health Total Total Policies issued & Lives covered* 76,57,01,810 2,59,18,85,672 3,35,75,87,482 Number of Grievances# 1,20,429 1,37,361 2,57,790 Number of Grievances per lakh Policies & Lives 15.72 5.29 7.67

Note: * In respect of Life Insurance, Policies and Lives in-force are considered. In case of general insurance, policies issued and in health, persons covered. #Source: Bima Bharosa Portal II.6.5 The following table presents a comparative The total number of grievances registered against analysis of grievances reported against life insurers Life insurers have remained almost same, from for FY 2023-24 and FY 2024-25, focusing on 1,20,726 in 2023-24 to 1,20,429 in 2024-25 whereas, grievances related to Unfair Business Practices the total number of grievances registered under

(UFBP). UFBP (Unfair Business Practices) have increased from 23,335 in 2023-24 to 26,667 in 2024-25.

Table II.16: Grievances on Unfair Business Practices (UFBP) II.6.6 Mis-selling in the Indian insurance sector is a Registered against Life Insurers significant concern that involves the sale of insurance products to consumers without proper disclosure of Sl.

Particulars 2023-24 2024-25 terms, conditions or suitability. Insurers are No. encouraged to tackle the problem of mis-selling by A Total no. of conducting a root cause analysis to identify the Grievances reported underlying causes. To prevent or reduce mis-selling, against Life insurers 1,20,726 1,20,429 insurers have been advised to implement strategies B Total no. of UFBP such as assessing product suitability, implementing grievances reported 23,335 26,667 distribution channel-specific controls and developing C UFBP grievances a plan to address mis-selling grievances including resolved during the year 23,288 26,495 carrying out a root cause analysis on periodic basis.

D In favour of policyholder 9,461 9,613 Status of Grievances on Bima Bharosa portal E Partially In favor of policyholder 1,216 1,797 II.6.7 During 2024-25, 2,57,790 grievances were received on Bima Bharosa portal out of which F Against policyholder 12,611 15,085 1,20,429 were related to Life Insurance business and G= UFBP grievances pending 1,37,361 were related to General & Health insurance C-D at the end of the year 47 172 business.

-E-F Share of UFBP grievances to total grievances 19.33% 22.14% 82 Annual Report 2024-25REVIEW OF WORKING AND OPERATIONS Table II.17: Status of Grievances as per Bima Bharosa portal (Number of Grievances) 2023-24 2024-25 Insurer Reported Attended Pending at Reported Attended Pending at during the during the end during the during the end of year the year of the year year the year the year Life Insurers Public sector 81,021 81,021 0 74,104 74,104 0 Private sector 39,705 39,558 436 46,325 45,771 554 Total 1,20,726 1,20,579 436 1,20,429 1,19,875 554 General & Health Insurers Public Sector 24,955 23,049 4,055 38,924 30,723 8,201 Private Sector 69,888 70,111 1,001 98,437 97,032 1,405 Total 94,843 93,160 5,056 1,37,361 1,27,755 9,606 Grand Total 2,15,569 2,13,739 5,492 2,57,790 2,47,630 10,160 II.6.8 Out of the total grievances reported under Life insurance business on Bima Bharosa portal for FY 2024-25, close to 64 per cent were related to Survival claims, Policy servicing and Unfair business practices. The classification of the grievances for life

insurance grievances is given as under:

II.6.9 During the FY 2024-25, the number of claims related grievances under life insurance business were 33,280. The total number of life claims reported were

26.68 lakhs. The number of general and health insurance claims related grievances were 88,841 and the number of claims were 11.26 crore.

Out of the total grievances reported under General insurance business on Bima Bharosa portal during FY 2024-25, the majority of the grievances were related to claims (69 per cent).

Annual Report 2024-25 83REVIEW OF WORKING AND OPERATIONS Status of Grievances in DARPG portal (DARPG) portal were referred to IRDAI. Out of which, 14,113 grievances were disposed of during the year.

II.6.10 During the financial year 2024-25, 14,156 A total of 332 grievances were pending as on 31st grievances registered on the Department of March 2025.

Administrative Reforms and Public Grievances Table II.18: Grievances Registered in DARPG Portal and Referred to IRDAI Grievances Received Total Grievances Grievances Grievance Source at the during Grievances disposed at the end beginning of 2024-25 received of during of 2024-25 2024-25 2024-25 2024-25 DPG 27 333 360 349 11 DARPG 2 84 86 83 3 Direct from complainant 198 11,393 11,591 11,333 258 President Secretariat 3 175 178 163 15 Pension 0 9 9 9 0 PMO 59 2,162 2,221 2,176 45 Total 289 14,156 14,445 14,113 332 DPG- Directorate of Public Grievances; DARPG - Department of Administrative Reforms and Public Grievances;

PMO- Prime Minister's Office Source: CPGRAMS portal commerce, industry, transport, agriculture, consumer The age-wise pendency status of grievances as at fora, surveyors, agents, intermediaries, organisations 31st March, 2025 is as below:

engaged in safety and loss prevention, research

Table: II.19 Pendency of Grievances bodies and employees’ association in the insurance sector. The Chairperson and the members of the Pending for Number of Grievances Authority are the ex officio Chairperson and ex officio 0-10 days 248 members of the Insurance Advisory Committee. The 11 - 21 days 60 objects of the Insurance Advisory Committee are, to 22 - 30 days 15 advise the Authority on matters relating to the making 31 - 45 days 4 of the regulations. The Insurance Advisory Committee may advise the Authority on such other 46 -60 days 2 matters as may be prescribed.

> 60 days 3 Total 332 Insurance Advisory Committee (IAC) Meetings:

II.7.1.2 During F.Y. 2024-25, the IAC met once as II.7 Functioning of Advisory Committees under.

Insurance Advisory Committee IAC Date II.7.1 The Insurance Advisory Committee (IAC) 51st Meeting of the IAC 13th November,2024 consists of not more than 25 members excluding ex- officio members to represent the interests of 84 Annual Report 2024-25REVIEW OF WORKING AND OPERATIONS Reinsurance Advisory Committee Committee (RAC) on 19th May 2022 for a three-year term (Order No. IRDAI/REIN/NOT/RIN/101/5/2022).

II.7.2 Pursuant to the approval of the Department of Financial Services (DFS), Government of India, under The Deputy General Manager (Reinsurance), IRDAI,

Section 101B (1) of the Insurance Act, 1938, the functions as the Secretary to the Committee. The IRDAI reconstituted the Reinsurance Advisory term of the RAC was up to 18th May, 2025. The reconstitution of the Reinsurance Advisory Committee is in process.

Sr. No. Name Organisation Position in RAC 1 Shri Dhananjay Date Former Managing Director, Swiss Re, India Chairman 2 Shri R. Chandrasekaran Former Head of Reinsurance, Cholamandalam MS General Member 3 Shri G. Srinivasan Director, National Insurance Academy Member 4 Shri Parijat Dutta Former General Manager, GIC Re, India Member II.8 Functioning of Ombudsman before an Insurance Ombudsman by giving details (name and address) of the Insurance Ombudsman II.8.1 The Office of Insurance Ombudsman is an of their jurisdiction.

alternate Grievance Redressal platform which has been setup with an aim to resolve the grievances of II.8.3 After receipt of all requirements from the aggrieved policyholders in respect of all personal lines policyholder, Insurance Ombudsman shall dispose of insurance, group insurance policies, issued to sole of the valid complaint by way of an award or proprietorship and micro enterprises against recommendation within a period of three months from insurance companies, their agents and intermediaries the date of receipt of complaint by the Office of the in a speedy, cost effective and impartial manner. The Insurance Ombudsman. The Insurance Companies Ombudsmen have the mandate to entertain and its Intermediaries as the case may be shall complaints against all Insurers and their comply with the award within thirty days of the receipt intermediaries in accordance with the Insurance of the award and intimate compliance of the same to Ombudsman Rules, 2017. At present,18 Insurance the Ombudsman and upload the details in the Ombudsman Centres are established at Ahmedabad, complaints management system and such award/ Bengaluru, Bhopal, Bhubaneswar, Chandigarh, decision shall be binding on the Insurance Chennai, Delhi, Guwahati, Hyderabad, Jaipur, Kochi, Companies and its Intermediaries as the case may Kolkata, Lucknow, Mumbai, Pune, Patna, Noida and be.

Thane.

II.8.4 The Offices of Insurance Ombudsman are II.8.2 The policyholder should first approach the under the administrative control of Council for Insurer for any grievance redressal. Where the Insurance Ombudsmen (CIO), which has been grievance is not resolved or partially resolved in constituted under the Insurance Ombudsman Rules, favour of the policyholder, the insurer shall inform 2017 and it works in close co-ordination with Life the complainant of the option to take up the matter Insurance Council and General Insurance Council and the Authority at regular intervals.

Annual Report 2024-25 85REVIEW OF WORKING AND OPERATIONS II.8.5 In accordance with Rule 19 of the Insurance continues carrying statistical data, latest news Ombudsman Rules, 2017, an Advisory Committee, and other information.

consisting of 5 eminent persons including one Central GENERAL INSURANCE COUNCIL Government nominee, was reconstituted by the Authority on 10.04.2024 vide office order ref No II.9.2 The General Insurance Council (GI Council) is IRDAI/PP&GR/CMT/67/4/2024, to review the a representative body of all Insurers who carry on performance of the Insurance Ombudsman system General, Health Insurance Business and Re- from time to time and other matters related to insurance in India, is constituted under the provisions enhance efficiency of all Insurance Ombudsmen.

of Section 64 C of Insurance Act, 1938. As on 31st Pursuant to the amendment in the Insurance March 2025, 27 General insurance companies Ombudsman Rules 2017, the compensation limit (comprising of 4 PSU insurers, 21 private Insurers under Ombudsman awards has been enhanced from and 2 specialized insurance companies), 7 Stand- `30 lakhs to `50 lakhs.

alone Health Insurers, 1 PSU Reinsurer, 11 Foreign Reinsurance Branches (FRBs)) are members of the II.9 Insurance Associations and Insurance GI Council Councils GI Council activities in the year 2024-25:

Life Insurance Council i. The GI Council constantly engaged with IRDAI II.9.1 Life Insurance Council is a statutory Body under on various matters including IRDAI’s initiative

section 64C of the Insurance Act 1938 representing of Insurance for All by 2047 and to facilitate all life insurers operating in India. ease of doing business.

Following are the activities carried out by LI Council ii. The GI Council actively interacted with Govt during the FY 2024-25: agencies, intermediaries and other associated • Conducted meetings with the Sub-Committee bodies for enabling IRDAI’s initiative in rolling on Master Circular on Rural, Social Sector and out a new plan for increasing state-wise Motor Third Party Obligations and finalized the insurance penetration.

format of The Gram Panchayat Lists and Gram iii. GI Council continued to furnish the views of Sachiv Certificate for Life Insurers. the industry to the Regulator and/or the • Actively involved in the development of Bima Government of India in respect of various new Sugam. Regulations and Acts and schemes being launched at a pan-India level and amendments • Regular interactions with tax heads of life proposed to the existing regulations.

insurers to discuss issues related to direct and indirect taxes. iv. GI Council continued as the nodal agency to handle Hit & Run claims as the manager of the • LI Council is actively involved in meetings with existing Hit and Run accident fund (erstwhile and conferences organized by various business associations. The Council’s website 86 Annual Report 2024-25REVIEW OF WORKING AND OPERATIONS Solatium fund), administer the fund and pay Retail Policies as required under Master the claims that arise from such accidents all Circular issued by IRDAI.

over the country. viii. The GI Council, under the guidance of DFS v. The GI Council initiated process for increasing and in conjunction with LI Council and IBA cashless claim settlements under Health ensured the renewal of over 40 crore policies Policies, common empanelment of all hospitals through the Jan Suraksha platform as one-point under one platform and negotiations with access for PMSBY and PMJJBY schemes.

hospitals on charging reasonable rates. The II.10 Other Activities having a Bearing on the Council, in collaboration with National Health Insurance Market Authority and the Insurance Companies, initiated a drive to integrate all Hospitals in II.10.1 The IRDAI from time to time provides/makes National Health Claims Exchange.

necessary changes in the regulatory framework related to products and moved to Use & File regime vi. The process of pan India Insurance Awareness doing away with prior approval for introducing any and Education campaign was launched.

new general insurance product in the market and vii. GI Council has been interacting with some of life insurance products. Insurance company- Constituted Committee and Member wise total number of life, general and health insurance Companies for development of Technology products approved/launched introduced during 2024- based solution for allocation of Survey under 25 is provided in Annexure 7.

Annual Report 2024-25 87HighlightsHIGHLIGHTSHIGHLIGHTSPART – III Statutory and Developmental Functions of AuthoritySTATUTORY AND DEVELOPMENTAL FUNCTIONS OF AUTHORITY III.1 Issue to the Applicant a Certificate of value, settlement of claims, contract terms and Registration, Renew, Modify, Withdraw, Suspend grievance redressal.

or Cancel such Registration III.2.2 Particular emphasis has also been given to III.1.1 In continuation of its efforts towards enhance surrender values where policyholders are strengthening the insurance sector by reducing entry entitled to receive a fair value in line with the terms barriers, IRDAI continues to provide support to new of the contract thereby protecting their financial applicants seeking registration as insurers. A interests. Insurers are also mandated to strengthen dedicated “Registration Cell” is in operation to ensure their standards through defined timelines for issuance seamless registration process of applicant of new of policies, communication of policy terms, handling insurers. Furthermore, IRDAI also introduced of service requests and resolution of grievances, thus regulatory reforms with the objective of making India providing policyholders with predictable and reliable a global reinsurance hub. During the year 2024-25, service.

Certificate of Registration (CoR) was issued to III.2.3 IRDAI has taken several regulatory steps by ValueAttics Reinsurance Limited on 13th March 2025. issuing regulations and circulars that aim to address III.2 Protection of the Interests of Policyholders key areas such as service delivery, dispute resolution, in Matters Concerning Assigning of Policy, and ethical practices within the insurance sector.

Nomination by Policyholders, Insurable Interest, These measures are intended to promote Settlement of Insurance Claim, Surrender Value transparency, ensure equitable treatment, and of Policy, Other Terms and Conditions of strengthen the overall trust in the insurance Contracts of Insurance. ecosystem.

III.2.1 IRDAI has consistently placed policyholders’ Furthermore, various circulars have been issued for protection at the centre of regulatory initiatives the general insurers to take immediate steps to ensuring that insurers adopt fair, transparent and mitigate the hardships of the affected insured efficient practices. Provisions are laid down to population by ensuring expeditious settlement of safeguard policyholders’ rights in matters relating to claims in case of major catastrophe events. The assignment, nomination, insurable interest, surrender details of circulars issued are as under:

S Date of No Circular Number issuance Catastrophe event of Circular 1 IRDAI/NL/CIR/MISC/108/8/2024 02/08/2024 Landslides in Wayanad, Kerala 2 IRDAI/NL/CIR/MISC/116/09/2024 04/09/2024 Floods in Andhra Pradesh and Telangana 3 IRDAI/NL/CIR/MISC/88/06/2024 04/06/2024 Cyclone Remal and subsequent heavy rains Annual Report 2024-25 95STATUTORY AND DEVELOPMENTAL FUNCTIONS OF AUTHORITY III.3 Specifying Requisite Qualifications, Code of employees of corporate surveyors / to lapsed license Conduct and Practical Training for Intermediaries holders and denial of level of membership. Such or Insurance Intermediaries and Agents. complaints are forwarded to respective insurance companies and IIISLA, as may be the case, for III.3.1. The regulations under the IRDA Act of 1999 resolution at their end. Policyholders also complain explicitly define the licensing and code of conduct against individual surveyors / corporate surveyors for all intermediaries in the insurance business. These for non-receipt of copy of survey report, delay in regulations include the IRDAI (Insurance Surveyors issuance of survey report, misconduct, violation of and Loss Assessors) Regulations, 2015, the IRDAI IRDAI Surveyors Regulations, etc. Such complaints (Insurance Brokers) Regulations, 2018, the IRDAI are taken up with surveyors /insurance companies (Appointment of Insurance Agents) Regulations, for speedy disposal of the issues. Apart from the 2016, and the IRDAI (Registration of Corporate above, various RTIs and references on surveyors Agents) Regulations, 2015.

related matters are also received by the IRDAI.

During the year 2024-25, the IRDAI received 39 III.3.2. The Authority has established a regulatory complaints on CPGRAMS Portal, 39 have been framework to enhance regulatory supervision by addressed and there were no outstanding complaints issuing circular No. IRDA/INT/CIT/T&E/136/07/2016.

as on 31st March 2025.

This circular addresses the harmonization of training and examination requirements for various distribution III.5 Promoting Efficiency in the Conduct of channels.

Insurance Business III.4 Specifying the Code of Conduct for IRDAI has mandated all insurers to adopt a Citizens’ Surveyors and Loss Assessors Charter that sets out clear service standards and timelines empowering policyholders with trans- III.4.1. The duties and responsibilities of surveyors parency on products, claims, service aspects and and loss assessors are specified in Regulation 13 of grievance redressal. The Charter to prescribe defined

Chapter IV of IRDAI (Insurance Surveyors and Loss turnaround times for proposal processing, policy Assessors) Regulations, 2015 as amended from time issuance, corrections, free-look cancellations, policy to time.

loans, revivals and settlement of claims and payouts.

III.4.2. The code of conduct regarding the Insurers are also required to resolve complaints within professional and ethical requirements for conduct of stipulated timelines and communicate clear surveyors and loss assessors’ professional work is escalation avenues up to the Ombudsman to the specified in Chapter VI of the Regulations and policyholders. These measures enhance efficiency, Regulation 16 elaborates the code.

accountability, and trust in the conduct of insurance III.4.3. The IRDAI receives grievances from business. surveyors, against insurance companies regarding Further, as a measure to reduce compliance burden empanelment for survey jobs and non-payment of and to streamline regulatory guidelines, IRDAI issued survey fee; against IIISLA for denial of membership 12 Master Circulars under 8 consolidated regulations to in-house surveyors of insurance companies / to 96 Annual Report 2024-25STATUTORY AND DEVELOPMENTAL FUNCTIONS OF AUTHORITY which are discussed in detail in the ensuing Panchayats to the insurers, based on mutually paragraphs. agreed parameters such as market share or any other parameter and the Councils shall share the final list III.5.1 Master Circular on Rural, Social Sector and of Gram Panchayats with IRDAI within defined Motor Third Party Obligations IRDAI/NL/CIR/RSS/ timelines. The Councils shall ensure adequate 77/5/2024 dated 10th May 2024 coverage of Gram Panchayats in all states and union territories.

As a part of the “Insurance for All by 2047” drive, IRDAI recalibrated the rural and social sector

Social Sector: All Life, General and Stand Alone obligations and the motor third party obligations in Health Insurers(SAHI) shall insure minimum

order to enhance insurance availability to the percentage of lives as a proportion of total lives as marginalized sections of the society and improve prescribed under Regulation 4(B), 5 and 7 of the overall insurance penetration. The IRDAI (Rural, IRDAI (Rural, Social Sector and Motor Third Party Social Sector and Motor Third Party Obligations) Obligations) Regulations, 2024. The Life and General Regulations, 2024 were notified on 1st April 2024.

Insurance Councils may coordinate with government The Master Circular on Rural, Social Sector and agencies and authorities to gather and collate data Motor Third Party Obligations provides the for social sector population and share the same with methodology for arriving at the obligations for rural, life and general insurers.

social sectors and Motor third party in terms of “what to measure, how to measure and when to measure Motor Third Party: All General insurers shall insure the obligations” a minimum percentage of number of goods carrying, passenger carrying vehicles and tractors in accor-

Rural sector: Every insurer shall undertake dance with Regulations 6 and 7 of IRDAI (Rural, obligations as set out by the Authority with respect Social Sector and Motor Third Party Obligations) to rural sector as prescribed under Regulation 4(A) Regulations, 2024. Insurers are required to

(a)-(c), 5 ,6 and 7 of the IRDAI (Rural, Social Sector coordinate with the Insurance Information Bureau and Motor Third Party Obligations) Regulations,

(IIB) and State RTAs to identify uninsured vehicles.

2024. In respect of Life insurance all Life insurers shall insure minimum percentage of lives in the III.5.2 Master Circular on Expenses of Manage- allotted Gram Panchayats. For General insurance, ment, including Commission, of Insurers IRDAI/ all general insurers other than AIC, ECGC and Stand F&I/CIR/79/5/2024 dated 15th May 2024 Alone Health Insurers(SAHI) shall insure minimum The Insurance Regulatory and Development Autho- percentage of dwellings, shops and vehicles in the rity of India (Expenses of Management, including allotted Gram Panchayats. In case of Health Commission, of Insurers) Regulations, 2024 were insurance, all General insurers including SAHI other notified on 23rd January 2024. In order to supplement than AIC and ECGC shall insure minimum the regulations, this Master Circular is issued under percentage of lives under health and personal

section 34 of the Insurance Act, 1938, section 14 of accident insurance. the IRDA Act, 1999 and Regulation 23 of the The Life and General Insurance Councils are tasked Insurance Regulatory and Development Authority of with indicating the minimum number of Gram Annual Report 2024-25 97STATUTORY AND DEVELOPMENTAL FUNCTIONS OF AUTHORITY India (Expenses of Management, including It specifies various procedures for application of Commission, of Insurers) Regulations, 2024. registration as insurer by an entity, including application for NOC. The various criteria required to

Salient features and Key Provisions: be fulfilled by an applicant are laid down in the

circular. o Every insurer is required to formulate a Board Approved Policy for the payment of commission III.5.4 Master Circular on Corporate Governance to intermediaries. The Board policy shall clearly IRDAI/F&I/CIR/MISC/82/5/2024 dated 22nd May state the objectives and principles that underpin 2024 the commission structure.

The IRDAI (Corporate Governance) Regulations, o The commission structure shall be reasonable 2024 notified on 20th March 2024, outline in general and not result in excessive compensation for terms, the responsibilities of the Board in the intermediaries at the expenses of customers management of insurers under these Regulations.

or the insurer. Insurers shall ensure their The Master circular was issued to provide various commission structure is commensurate with operational and procedural aspects for adoption by the efforts required to acquire and sustain that all insurers.

type of business.

Salient Features and Key Provisions:

The circular provides that every insurer shall prepare a business plan in accordance with regulation 5 of o The composition of the Board as defined in the the Regulations. It specifies the minimum required master circular requires an optimum composit- disclosures in the Business Plan. ion of Independent Directors and Non- Executive Directors, subject to a minimum of III.5.3 Master Circular on Registration, Capital three independent Directors. Insurers are Structure, Transfer of Shares and Amalgamation required to ensure appointment of competent of Insurers, 2024 IRDAI/F&I/CIR/78/5/2024 dated and qualified Directors for the Board to provide 15th May 2024 vision and strategies to ensure sustainable growth of the insurer and protect the IRDAI notified the Master Circular on Registration, policyholders’ interest.

Capital Structure, Transfer of Shares and Amalgamation of Insurers, 2024 under the IRDAI o The circular provides for various roles and (Registration, Capital Structure, Transfer of Shares responsibilities of the Board including active and Amalgamation of Insurers) Regulations, 2024 consultations with Key Management Personnel to specify various forms and clarify the provisions of

(KMPs) on strategies and policy-making, the Registration Regulations, 2024. overall direction of the business, addressing expectations of shareholders and The master circular is applicable to all insurers and policyholders, monitoring and managing applicants seeking registration to carry on insurance potential conflicts of interest policyholders, business, except for the FRBs.

management, members of the board of directors and shareholders.

98 Annual Report 2024-25STATUTORY AND DEVELOPMENTAL FUNCTIONS OF AUTHORITY o The circular further provides for the Fit and policyholder rights in an increasingly diverse and Proper criteria for Directors as well as the dynamic insurance environment.

appointment of Common Directors.

At its core, the circular seeks to simplify the health o Insurers shall ensure independence of control insurance experience for customers by enforcing functions including compliance, risk, audit, clear rules around product design, servicing, and actuarial and secretarial function. For this claims. One of the most notable changes is the purpose, the Board must adopt robust and introduction of a standardized 30-day free-look period efficient mechanisms for the identification, for policies with a term of one year or more, giving assessment, quantification, control, mitigation policyholders ample time to understand and assess and monitoring of the risks. their policies suitability. Every policy must now be accompanied by a Customer Information Sheet o The circular provides the terms for the

(CIS)—a concise and user-friendly summary of the composition, roles, and responsibilities of policy’s key terms, including exclusions, waiting various Committees constituted by the Board periods, deductibles, portability options, and which shall continue to exercise direct oversight grievance redressal mechanisms.

on matters that are not specifically delegated to any of the Committees. These Committees Recognizing the need for inclusive insurance, the include, the mandatory Audit Committee, circular mandates that insurers provide wider choice Investment Committee, Risk Management to the policyholders by making available products/ Committee, Policyholder protection, Grievance add-ons/riders catering to all ages, regions, Redressal, and Claims Monitoring Committee, occupational categories, medical conditions/ Nomination and Remuneration Committee, disabilities/treatments/systems of Medicine (i.e.

Corporate Social Responsibility Committee. Allopathy/AYUSH) and all types of hospitals/ healthcare providers to suit the affordability of the o The circular also provides for the roles and policyholders. Insurers are also required to offer responsibilities of KMPs.

specific products for Persons with Disabilities (PwDs), individuals living with HIV/AIDS, and those affected III.5.5 Master Circular on Health Insurance by mental illness. These offerings must comply with Business IRDAI/HLT/CIR/PRO/84/5/2024 dated Indian laws such as the Mental Healthcare Act, 2017, 29th May 2024 and the Rights of Persons with Disabilities Act, 2016, and align with the broader vision of universal health In response to the growing complexity and scale of access. A model product has already been prescribed India’s health insurance ecosystem, the Insurance by IRDAI, which insurers may further expand but not Regulatory and Development Authority of India dilute. Further, underwriting policy of the insurers to

(IRDAI) released a comprehensive Master Circular ensure that Ayush treatment is treated at par with on Health Insurance Business on 29th May 2024, the other treatments so as to provide option to the under the IRDAI (Insurance Products) Regulations, policyholders to choose treatment of their choice.

2024. This circular marks a pivotal shift towards a unified regulatory structure by consolidating and In order to reward policyholders who do not make repealing 55 earlier circulars. It reflects IRDAI’s any claim during the policy period, the insurer may renewed focus on streamlining compliance, offer a No Claim Bonus (NCB). Such NCB shall be enhancing transparency, and strengthening

provided, based on the policyholder’s choice or Annual Report 2024-25 99STATUTORY AND DEVELOPMENTAL FUNCTIONS OF AUTHORITY consent, either in the form of an enhancement in the claim processing, with strict timelines-pre- sum insured and/or a discount on the renewal authorization must be provided within 1 hour, and premium. hospital discharge approvals within 3 hours. In case of delays, insurers must bear the extra costs from The circular also introduced or reinforced several their shareholders’ funds. Additionally, no claim can critical consumer protections, such as:

be repudiated without clearance from either the Product Management Committee (PMC) or a Claims • Guaranteed policy renewal except in cases Review Committee (CRC), ensuring accountability of fraud or misrepresentation. Previous claims and transparency in claim repudiation.

cannot be a reason for denial.

For claim settlements, the policyholder shall not be • Grace periods of 15 to 30 days during which required to submit any documents. Insurers and all the credits (sum insured, No Claim Bonus, TPAs shall collect the required documents from the Specific Waiting periods, waiting periods for Hospitals.

pre-existing diseases, Moratorium period etc.) under the policy shall be protected, In line with India’s growing digital health infrastructure, safeguarding against minor delays in premium the circular encourages the use of technology to payments.

enhance policyholder experience. Insurers must offer coverage for advanced medical technologies like • Migration and portability provisions, robotic surgery, oral chemotherapy, and high- enabling policyholders to move between intensity focused ultrasound (HIFU).

products or insurers while retaining accrued benefits such as waiting period credits and no- Insurers are also allowed to help create Ayushman claim bonuses.

Bharat Health Account (ABHA) numbers, with express consent, enabling smooth and secure access • A 60-month moratorium period, after which to medical records. no claim can be denied due to non-disclosure or misrepresentation, unless proven fraudulent.

The circular places strict accountability on insurers In case of mid-term cancellation of the policy, in matters of grievance redressal. Every insurer must a refund of premium or proportionate premium provide clear contact details of the insurance for the unexpired policy period shall be made..

ombudsman, and in the event of an ombudsman In case of policy term up to 1 year, refund will ruling, the award must be complied with within 30 be applicable if no claim is made during the days. Failure to do so results in a penalty of `5,000 policy.

per day, in addition to any interest liabilities. • Performance monitoring by insurers to ensure To ensure transparency and effective dissemination efficient and effective service delivery by the of information to policyholders, the insurer’s website TPAs. It includes claw back of remuneration/

shall prominently display the following: charges paid to TPA basis customer feedback, which shall be passed on to the policyholders. o list of hospitals/healthcare service providers with whom they have tie-ups for cashless claim A key highlight of the circular is its strong push for settlement;

fully cashless and seamless claim settlement. IRDAI has mandated insurers to aim for 100% cashless 100 Annual Report 2024-25STATUTORY AND DEVELOPMENTAL FUNCTIONS OF AUTHORITY o Specify that a policyholder has to file for claim • Includes forms and procedures for registering reimbursement in case services are availed in Lloyd’s India members, service companies, and other than empanelled hospitals / healthcare syndicates (Forms S-1 to S-4) service providers;

2. Operations of Foreign Reinsurers’ Branch o Procedures to be followed for claim settlement Offices / Lloyd’s India: under cashless facility and reimbursement of

Includes the provisions on the following areas: claims

(a) Corporate governance framework This master circular not only enhances consumer protection and ease of doing business but also • Mandatory Executive Committee for each reflects IRDAI’s evolving vision to make health FRB insurance more transparent, inclusive, tech-enabled, • Defined roles of the Board/Executive and accountable, ultimately building greater trust and Committee, CEO, and KMPs participation in India’s health insurance sector.

• Regular disclosures, stewardship III.5.6 Master Circular on Reinsurance IRDAI/ returns, and public disclosures REIN/MSTCIR/MISC/87/5/2024 dated 31st May 2024 • ESG (Environmental, Social, and Governance) and climate risk IRDAI issued the Master Circular on Reinsurance, management mandates 2024, effective from 31st May 2024, consolidating and harmonizing the regulatory provisions under the (b) Appointment of Statutory Auditors

following two regulations:

(c) Appointment of CEO and other KMPs (Key Management Personnel) · IRDAI (Registration and Operations of Foreign Reinsurers Branches and Lloyd’s India) (d) Fit and proper criteria of KMPs Regulations, 2024

(e) Repatriation of Funds (profits and assigned capital) · IRDAI (Re-insurance) Regulations, 2018

(f) Surrender or cancellation of the certificate of This Master Circular is aimed at providing a unified registration and efficient regulatory framework for reinsurance

(g) Outsourcing, amalgamation, and restructuring operations in India. of FRBs

Salient Features and Key Provisions:

3. Authorization of Cross-Border Reinsurers

1. Registration of Foreign Reinsurers Branches (CBRs):

(FRBs) and Lloyd’s India: • Procedure for obtaining File Reference • Includes forms and procedures for registering Numbers (FRNs) for Cross-Border Reinsurers Foreign reinsurer branches (Forms R-1 to R- (CBRs) via the CBR Portal.

4). • Submission of compliance certificates by Insurers (Form CBR-2).

Annual Report 2024-25 101STATUTORY AND DEVELOPMENTAL FUNCTIONS OF AUTHORITY

4. Reinsurance Programme Submissions: decide on various business aspects to quickly align their strategies to the changing market requirements. • Detailed reporting templates for insurers/ Reinsurers/FRBS are stipulated for Advance Salient features and Key provisions:

and Final reinsurance programme

Features made available to policyholders: submissions.

1. Facility of Policy loan is now mandatory in all

5. Collateral Requirements for Placement of life insurance savings products enabling Reinsurance Business with Cross-Border policyholders to meet liquidity requirements, if Reinsurers (CBRs): need be. • A framework for collateral requirements has

2. Health riders for covering health related been issued to strengthen the sector’s financial contingencies/emergencies without recourse to resilience. surrendering the policies is possible. • Indian cedants shall collect collaterals for

3. Facility of partial withdrawal under pension placing reinsurance business with CBRs in the products is now allowed enabling the form of (a) Irrevocable Letter of Credit (LC) or policyholders to meet their specific financial

(b) Premiums/Funds withheld by the Indian needs for important life events like higher cedant. education or marriage of children; purchase/ III.5.7 Master Circular on General Insurance construction of the residential house/flat;

Business IRDAI/NL/MSTCIR/MISC/90/06/2024 medical expenses, treatment of critical illness. dated 11th June 2024

4. In case of surrenders, reasonableness and Subsequent to the de-notification of all tariffs on policy value for money to be ensured for both wordings, IRDAI issued a comprehensive Master surrendering policyholders and continuing

Circular on General Insurance Business repealing policyholders. thirteen circulars. The circular encapsulates

5. To facilitate financial planning and enhance the provisions on customer centricity and good flexibility in premium payments insurers are governance measures that safeguard policyholders’ now permitted to offer products with range of interests. The master circular is discussed in detail premium payment term.

at Box Item III.1.

6. Variety of products and product features are III.5.8 Master Circular on Life Insurance Products

now possible like:

IRDAI/ACTL/MSTCIR/MISC/89/6/2024 dated 12th June 2024 o annuity products to have pay-out option with payment linked to publicly available After a comprehensive review of a host of provisions benchmark relating to life insurance products covered under four erstwhile circulars, IRDAI introduced the Master o fund-based products for non-employer-

Circular on Life Insurance Products superseding the employee groups erstwhile four circulars. This marks a significant step under the plethora of regulatory reforms undertaken o index linked products by IRDAI. Boards of Insurers are now enabled to 102 Annual Report 2024-25BOX III.1 Empowering Retail Policyholders through Master Circular on General Insurance Products, 2024 In line with the Insurance Regulatory and Development Authority of India (IRDAI)’s vision of enhancing transparency, flexibility, and customer-centricity in the insurance ecosystem, IRDAI has initiated several landmark reforms under the Master Circular on General Insurance Products.

These initiatives aim to simplify insurance offerings, enhance consumer protection, and ensure swift grievance redressal and claim settlement mechanisms.

1. Customer-Centric Product Innovation • Flexible Offerings: Insurers are now mandated to provide a wide range of simplified, customizable products that cater to the unique needs of individuals, farmers, MSMEs, and regional segments.

• Comprehensive Coverage: Introduction of package products that allow bundling of multiple risk covers with optional add-ons. • Base Products: Every insurer must identify a “base product” in each line of business, facilitating easier comparison and better decision-making for customers.

2. Transparency and Simplicity in Policy Terms • Customer Information Sheet (CIS): A standardized, simplified summary provided with every policy that outlines key features, exclusions, claim procedures, and customer obligations. Acknowledgment from policyholders is mandated, ensuring better awareness.

• Clarity in Coverage: Policies now explicitly mention coverage scope (named perils, all-risk, etc.), exclusions, settlement basis, and salvage/deductibles.

3. Simplified Documentation and Claims Process • No Rejection for Documentation Gaps: Claims cannot be rejected for want of additional documents unless directly relevant to the claim. • Quick Surveyor Assignment & Claim Settlement:

o Surveyor appointment within 24 hours for eligible claims. o Survey report submission within 15 days. o Claims decision within 7 days of report receipt. • Auto Surveyor Allotment System: Implementation of a tech-enabled, random allocation of surveyors is in progress through the General Insurance Council to ensure transparency and timeliness.

4. Enhanced Policyholder Rights and Protections • Right to Cancel: Policyholders may cancel a policy at any time without having to provide a reason. The insurer shall refund proportionate premium for the unexpired policy period on cancellation.

• Grievance Redressal: Insurers are required to maintain robust grievance mechanisms with escalation matrices and mandatory implementation of Ombudsman Awards within 30 days, failing which a penalty of `5,000 per day is imposed.

5. Special Focus on Motor and Home Insurance • Motor Insurance: Insurers have been advised to provide innovative covers such as “Pay as You Drive,” depreciation- inclusive policies and roadside assistance in Motor Insurance. Salvage management is now the insurer’s responsibility.

• Homeowner Insurance: Enhanced flexibility to include/exclude perils like flood, cyclone, earthquake, landslide, rockslide, terrorism from comprehensive fire and allied peril policy. No warranty conditions apply to these policies, promoting ease of claim settlement.

6. Technology-Driven Ecosystem • All insurers are expected to deploy end-to-end digital platforms for on boarding, policy servicing, renewal, claims, and grievances, ensuring a seamless experience for policyholders.

These initiatives mark a decisive move towards a principle-based regulatory framework that balances innovation and consumer welfare. IRDAI remains committed to protecting policyholder interests while facilitating an innovative and growing insurance market towards achieving the goal of “Insurance for All by 2047”.STATUTORY AND DEVELOPMENTAL FUNCTIONS OF AUTHORITY

Measures to Strengthen Governance: was felt needed is reduction in compliance burden for the insurers. As the regulated entities are required

1. Mechanisms to be put in place to improve to share critical mandatory information with the persistency, curb mis-selling and avoid financial Authority in a specified periodicity, it was increasingly loss to the policyholders and also enhancing becoming burdensome given the rapid growth in long term benefits to them.

terms of Lines of Businesses and Asset Under Management. With the fast expansion envisioned for

2. Periodic training to be provided to the the industry to fulfil the objective of Insurance for All, Intermediaries, distribution channels and it was of urgent need to review, consolidate and employees of the insurers on their products rationalise the returns, especially after issuance of (existing and new), TATs in policy servicing are several revised regulations.

stipulated.

Accordingly, IRDAI has issued a Master Circular on

3. Product clearance process simplified; Board Submission of Returns wherein various regulatory constituted Product Management Committee returns numbering 60 required to be filed under these empowered to deal with governance aspects regulations/master circulars are now collated in one of product development, pricing and design.

place. The Master Circular also has a collection of

4. While pricing the products insurers are required 142 returns, required to be filed with IRDAI through

to ensure: BAP/Email in different periodicities (quarterly/half- yearly/annual). Further this Master Circular o Premium rates/charges are fair supersedes ten circulars issued since 2014 and provides a one-stop reference for insurers (including o Discounts offered and loadings are FRBs) on 202 regulatory returns to be filed with unambiguous and objectively defined IRDAI.

o Similar risks are not discriminated in With the issuance of this revised Master Circular on terms of premium charged Returns, entire set of returns have been re- categorized into the various departments with a o Pricing is equitable between policies sold similar nomenclature for easier identification. Further through different channels the mode of submission has also clearly prescribed III.5.9 Master Circular on Submission of Returns to providing clarity. While this master circular has IRDAI/General/CIR/93/06/2024 dated 14th June streamlined the submission process, it is envisaged 2024 that it shall enhance the operational efficiency of the insurers.

Embarking on the vision of Insurance for All by 2047, Authority undertook a slew of changes that enables III.5.10 Master Circular on Operations and Allied the insurers to facilitate penetration of the insurance Matters of Insurers IRDAI/PPGR/CIR/Misc/97/06/ services. In this series, the existing Regulations and 2024 dated 19th June 2024 Master Circulars were put to a rigorous set of review IRDAI had issued the Master Circular on Operations criteria to evaluate the relevance and then incorporate and Allied Matters of Insurers dated 19th June 2024 changes that were felt necessary. One item which 104 Annual Report 2024-25STATUTORY AND DEVELOPMENTAL FUNCTIONS OF AUTHORITY under the IRDAI (Protection of Policyholders’ o Insurers shall have well-defined board Interests, Operations and Allied Matters of Insurer) approved group underwriting policy including Regulations, 2024. It covers the provisions relating criteria for entry, coverage options, appropriate to the operations of the insurer and matters like safeguards against misrepresentation.

advertisement, place of business, outsourcing of o Insurers shall make searchable databases activities, Grievance Redressal System, unclaimed available on their websites, in relation to amounts, among others.

information about any unclaimed amount of Rs.

Salient Features and Key Provisions: 1000/- or more. o The Advertisement committee and/or the o Insurers are required to update information compliance officer shall ensure and maintain regarding unclaimed amounts by 31st March a system of control over the content, form and and 30th September of every year on a half- manner of dissemination of advertisements. yearly basis. This information can be accessed They shall also review the adherence to board through the Bima Bharosa Portal which approved policy on advertisements. redirects to individual insurer’s website.

o Advertisements shall contain adequate, o Customer Information Sheet (CIS) to be accurate, explicit and updated information in provided to every policyholder along with the simple language. policy document detailing all the benefits, terms and conditions, coverage details in a o Insurers shall endeavour to maintain transparent manner.

“phygital” presence across the country combining brick and mortar physical branches III.5.11 Master Circular on Protection of and strong digital presence. Policyholders’ Interest IRDAI/PP&GR/CIR/MISC/ 117/9/2024 dated 5th September 2024 o Insurers shall enter into outsourcing arrangement only if it is absolutely necessary As a part of measures for empowering the and ensure that the outcome of such arrange- policyholders and safeguarding their interests, IRDAI ments shall be economical and efficient in issued the Master Circular on Protection of providing services to customers and/or Policyholders’ Interests under the IRDAI (Protection enhance overall value to their business. of Policyholders’ Interests, Operations, and Allied Matters of Insurers) Regulations, 2024.

o To ensure timely redressal of grievances and build confidence in customers, insurers shall The circular encapsulates policyholder entitlements put in place an effective, robust, grievance into a single document detailing consumer friendly redressal framework approved by the board. measures and fast, seamless claim settlement process to foster trust and transparency within the o The grievance redressal portal of the insurer insurance sector. The master circular is discussed shall be integrated with the Bima Bharosa portal in detail at Box Item III.2 so as to facilitate registering and/ tracing of grievances.

Annual Report 2024-25 105BOX III.2 Master Circular on Protection of Policyholders’ Interests, 2024

1. Various Regulations on protection of policyholders interests and other operational matters have been reviewed comprehensively and the Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and allied Matters of insurers) Regulations, 2024 (hereinafter called “Regulations”) was notified on 22nd March 2024.

2. In a significant stride towards reinforcing empowerment of policyholders and bolstering insurance, the Insurance Regulatory and Development Authority of India (IRDAI) has issued a comprehensive Master Circular on Policyholders’ Interests, repealing 30 circulars. The Master Circular has brought in one place the entitlements of policyholders for their easy reference and also emphasized on measures towards providing seamless, faster and hassle-free claims experience to policyholders and ensuring enhanced service standards across the insurance sector.

3. Salient features of the Master Circular are:

3.1. It is divided into two parts. Part one covers summary of important and relevant information at various stages of an insurance contract for the prospects / policyholders / customer. A prospect or policyholder to know his / her rights and obligations at various stages of insurance policy may visit this Section. Part 2 covers broad requirements to be complied with by an insurer under the Regulations.

3.2. No premium deposit / proposal deposit is required to be paid to the insurer along with the proposal form except in case of policies where risk cover commences immediately on receipt of premium. There should not be scope for either short or excess collection of premium;

3.3. Every Insurer to put in place Citizens’ Charter specifying the service standards;

3.4. In order to curb mis-selling, it mandates carrying out of suitability analysis for saving based Insurance Products and Annuity products except those sold to NPS subscriber;

3.5. It provides turnaround time for Processing and for settlement of claims;

3.6. In order to make the customer aware about the benefits / exclusion of the policy, it mandates Customer Information Sheet (CIS) for all types of insurance i.e. life, health and general insurance.

3.7. It mandates to capture details of bank account of the nominee at the proposal stage itself so as to expedite settlement of the claims in case of death of the policyholder;

3.8. Free Look Period: A uniform period of 30 days is made applicable for Health and Life insurance policies.

3.9. To enable the policyholder to use Digilocker, Insurers shall enable their IT systems to interact with the Digilocker and shall publish such enablement for the information of the policyholders.

3.10. Insurers shall provide a search tool on their website for verification of distribution channels they are engaged with.

3.11. It provides for

(i) payment of penal interest @ `5000/- day where the award of ombudsman has not been complied with 30 days from the date of awards;

(ii) payment of penal charges @ `500/- per day where the surveyor report has not been submitted within the stipulated time limit of 15 days.

(iii) Penal interest at bank rate plus 2 percent where the claim / refund of premium has not been made within the stipulated time frame.

This Master Circular represents a landmark effort to empower the policyholders, ensuring they receive the highest standards of care and service; fostering an environment of trust and transparency in the insurance sector.STATUTORY AND DEVELOPMENTAL FUNCTIONS OF AUTHORITY III.5.12 Circular on Corporate Agency Matters III.6.1 Indian Institute of Insurance Surveyors and Concerning Regional Rural Banks (RRBs) Loss Assessors (IIISLA) Amalgamated from 1st May 2025 and beyond The Indian Institute of Insurance Surveyors and Loss IRDAI/CA/CIR/MISC/64/05/2025 dated 9th May 2025 Assessors (IIISLA) is a professional body of On 05 April 2025, the Department of Financial surveyors and loss assessors as per Section 64UM Services (DFS) notified the amalgamation of 26 of Insurance Act, 1938. The institute was promoted Regional Rural Banks (RRBs) under the “One State by IRDAI under Section 14(2)(f) of IRDA Act, 1999 One RRB” principle, marking the fourth phase of RRB and incorporated under Section 8 of the Companies consolidation. Following consultations with Act, 2013. Section 14(2)(f) of IRDA Act, 1999 deals stakeholders, the amalgamation of 26 RRBs in 10 with promoting and regulating professional States and 1 Union Territory has been carried out, organizations connected with the insurance and aiming to enhance operational efficiency and optimize reinsurance business.

costs.

III.6.2 Insurance Brokers Association of India Pursuant to Gazette Notification No. CG-DL-E- (IBAI) 07042025-262329, IRDAI issued circular IRDAI/CA/ Insurance Brokers Association of India (IBAI) was CIR/MISC/64/05/2025, detailing regulatory guidelines incorporated as a company under IBAI Section 25 of to be followed post-amalgamation. These include the Companies Act, 1956 on July 2001. Brokers retention of a single Certificate of Registration (COR) registered by the IRDAI are necessarily required to by the Transferee RRB, surrender of remaining be the members of the Insurance Brokers Association CORs, and an undertaking to ensure uninterrupted of India (IBAI).

servicing of policyholders. The Transferee RRB is required to address all regulatory obligations of the The Association promotes interaction among the merged entities within 90 days. For 12 months, Insurance Broker members and provides them further insurance arrangements may temporarily exceed the training in upgrading the knowledge and skills. IBAI prescribed insurer limit. A revised, Board-approved supports industry education initiatives aimed at corporate agency policy must be submitted within explaining insurance to consumers and the 60 days. Provisions are also made for transferring community.

Specified Persons (SPs) and designating one Principal Officer. The Transferee Regional Rural III.7 Levying Fees and Other Charges for Carrying Banks will be eligible to receive renewal commissions out the Purposes of the Act under the life insurance arrangements of the Transferor Regional Rural Banks only after making III.7.1 During the year 2024-25 there were no suitable arrangements to service the policyholders. changes in the fee structure. Total fee collected These directives are issued under Section 14(2)(e) during FY 2024-25 is `248.08 crore in respect of all of the IRDA Act, 1999. regulated entities. Detailed fee structure is provided at Annexure 8.

III.6 Promoting and Regulating Professional Organizations Connected with the Insurance and Reinsurance Business Annual Report 2024-25 107STATUTORY AND DEVELOPMENTAL FUNCTIONS OF AUTHORITY III.8 Calling information from, undertaking (ii) On-site Inspection: IRDAI conducts on-site inspection of, conducting enquiries and inspections of the regulated entities with regard investigations including audit of the insurers, to their observance of/compliance to provisions intermediaries, insurance intermediaries and of relevant Acts, Rules, Regulations, Guidelines/Circulars, Directions, Standards, other organizations connected with the insurance etc. General, thematic, and focused inspections business are undertaken at the site of the regulated III.8.1 Section 33 of the Insurance Act, 1938 and entities for assessment of their functioning by examination of relevant records, books of

Section 14(2)(h) of the IRDA Act, 1999 lay down the accounts and business activities on sample statutory provisions for calling of information from basis in order to assess compliance to various and carrying out on-site inspection, including regulatory provisions and other applicable laws investigation of insurers, intermediaries, insurance relating to financial condition, market conduct, intermediaries and other organizations connected corporate governance, risk management, and with the insurance business.

related matters of the regulated entities.

III.8.2 Supervisory oversight, at the minimum involves III.8.3 Details of On-site Inspections conducted: a two-pronged approach, viz., off-site examination During the year 2024-25, a total of 15 onsite and on-site inspection.

inspections were undertaken by IRDAI. Out of which, one focused inspection, six general inspections and

(i) Off-site Examination: The primary objective of eight thematic inspections were carried out. The off-site examination is to monitor the financial

details of inspections are given as below: health and market conduct of regulated entities, for identifying entities which show financial III.8.4 The enforcement process involves a thorough deterioration and which would be a source for analysis of the inspection reports and the responses supervisory concerns. This acts as a trigger from the inspected entities. This analysis considers the supporting documentary evidence and for timely remedial action. The off-site submissions provided.

examination is conducted by analyzing periodical statements, returns, reports, policies Based on review of the above, a proposed course of and compliance certificates mandated under regulatory action is determined. This course of action regulations/ directions issued by IRDAI from is then approved by the Competent Authority, who time to time.

decides whether to:

Table III.1: Details of On-site Inspections during 2024-25 FY 2024-25 General Inspection Focused Inspection Thematic Inspection Total General Insurer - 1 4 5 Health Insurer - - 4 4 Brokers 3 - - 3 Corporate Agents 3 - - 3 Total 6 1 8 15 108 Annual Report 2024-25STATUTORY AND DEVELOPMENTAL FUNCTIONS OF AUTHORITY • Charge the inspected entity or Table III.2: On-site and remote inspection • Advise the inspected entity or reports concluded during 2024-25 • Close the observation Sl. No. of Entity No. Entities If the inspected entity is charged with regulatory violations by issue of Show Cause Notice, they are 1 Brokers 9 granted an opportunity for a personal hearing in 2 Corporate Agents 6 addition to providing further submissions to present 3 Foreign Reinsurance Branch 1 their case.

4 Insurance Marketing Firm 4 The Competent Authority then decides on the final 5 Surveyors and Loss Assessors 5 regulatory actions, which may include: 6 Life Insurers 7 7 Non-Life Insurers including Health 6 • Issuing advisories/cautions Total 38 • Providing general directions other than under Table III.3: Details of Regulatory actions taken

Section-34 of the Insurance act,1938 as on the basis of Observations amended Sl. Nature of Regulatory No. of • Issuing warnings and/or Imposing penalties No. Action Observations In cases where the violations are deemed serious, 1 Advisory 169 potentially leading to the cancellation of registration 2 Direction 25 or license, a more rigorous due process is followed.

3 Caution 98 In addition to the supervision processes, the Act also 4 Warning 2 mandates an adjudication process for specified 5 Penalty 20 violations of the Insurance Act, 1938. This Total 314 adjudication must be conducted by an officer of at least the rank of General Manager, who considers III.9 Control and Regulation of Rates, Advantages, key factors in determining and recommending the Terms and Conditions that may be Offered by appropriate quantum of penalty.

Insurers in respect of General Insurance Business not so Controlled and Regulated by the All decisions made by the Authority can be appealed Tariff Advisory Committee under Section 64U of at the Securities Appellate Tribunal under Section- the Insurance Act,1938 (4 of 1938) 110 of the Insurance Act, 1938.

III.9.1 All classes of tariffed General insurance III.8.6 During 2024-25, 38 on-site and remote business were de-tariffed with effect from January inspection reports were completed and total number 01, 2007 except Motor Third Party business in so far of 314 regulatory actions were taken on the said as pricing is concerned. Further in exercise of the inspection reports.

powers conferred by sub section (1) of Section 64 Annual Report 2024-25 109STATUTORY AND DEVELOPMENTAL FUNCTIONS OF AUTHORITY ULA of the Insurance Act, 1938, the Authority de- III.10.1 The financial statements of insurers are notified all the following prevailing policy wording prepared in the form and manner prescribed under tariffs w.e.f. 01/04/2024: the IRDAI (Actuarial, Finance and Investment Functions of Insurers) Regulation 2024, amended a. Fire Insurance Tariffs (other than All India Fire from time to time and also by various circulars and Tariff, 2001 which was already de-tariffed vide guidelines issued from time to time. Books of

notification dated 28th December 2020) accounts are maintained in order to present various line items as required under these Regulations. b. Motor, namely All India Motor Tariff Further, Master Circular on Actuarial, Finance and c. Engineering Insurance Tariffs Investment Functions of Insurers - IRDAI/ACTL/CIR/ MISC/80/05/2024 dated 17th May 2024, provides d. Miscellaneous, namely Workmen’s necessary guidance on aspects pertaining to various Compensation Insurance Tariffs. provisions of the IRDAI (Actuarial, Finance and Investment Functions of Insurers) Regulations, 2024.

e. Marine, namely Tea Tariff III.10.2 In case of intermediaries, books of accounts III.9.2 Since the Motor Third Party insurance cover and financial statements are required to be is a statutory requirement under the provisions of maintained in the form and manner stipulated under Motor Vehicles Act, 1988, the Motor Third Party the respective regulations/ circulars/ guidelines.

premium rates were earlier notified by IRDAI every year. Presently under the provisions of subsection III.10.3 Wherever IRDAI has not stipulated the form/

(2) of Section 147 of the Motor Vehicles Act, 1988, and manner in which books of accounts are to be as amended vide Section 51 of the Motor Vehicles maintained, provisions of Companies Act/Rules and

(Amendment) Act, 2019, the Ministry of Road other applicable Acts/Rules apply.

Transport and Highways (MoRTH) has been mandated to prescribe base premium and liability of III.11: Regulating Investment of Funds by an insurer in relation to third party premium in Insurance Companies consultation with IRDAI.

IRDAI (Actuarial, Finance and Investment functions III.9.3 Accordingly, the Ministry of Road Transport of insurers) Regulations, 2024 read along with and Highways, vide Gazette notification number Insurance Act,1938, Master circular and guidelines G.S.R. 32 (E), dated 5th January 2024 has notified amended from time to time regulate Insurer’s Motor Vehicles (Third Party Insurance Base Premium Investments.

and Liability) Rules, 2024.

III.11.1 Master Circular on Actuarial, Finance and III.10 Specifying the Form and Manner in which Investment Functions of Insurers vide circular Books of Accounts shall be Maintained and no. IRDAI/ACTL/CIR/MISC/80/05/2024 dated 17th Statements of Accounts shall be Rendered by May 2024 Insurers and Other Insurance Intermediaries

Chapter 3 of the Master circular pertains to Investment function. Major changes made under the

said circular are mentioned below:

110 Annual Report 2024-25STATUTORY AND DEVELOPMENTAL FUNCTIONS OF AUTHORITY The Mid office shall report to a Key Management Futures and Index Futures and are allowed to take Person (who shall not be Chief Investment Officer or position of an Option Holder (Buyer) and are allowed Chief Finance Officer) who reports to Chief Executive to buy only put options of Stocks and Indices. Any Officer. Over the Counter exposure to equity derivatives is prohibited.

The passive breaches of threshold limit of 20% investment in any single Mutual Fund shall be III.11.3 Exposure to Forward Contracts in corrected within 30 days of breach. Government Securities (Bond Forward) vide

circular no. IRDAI/F&I/INV/CIR/43/03/2025 dated Transaction limit set for the empanelled brokers shall 10th March 2025 be reviewed half yearly basis. In case of the breach of the said limits for any exceptional reasons, insurers Subsequent to the Reserve Bank of India (Forward shall record in writing the specific reasons for such Contracts in Government Securities) Directions,2025, breach and the Board shall be informed, post-facto. insurers are permitted to undertake transactions in Bond Forwards as users for hedging purpose. The The maximum time period to hold “Other Insurers shall undertake only long positions in Bond Investments” in Pension and Group Fund has been Forwards i.e. buying Bond Forwards. However, bond increased from 90 days to 180 days.

forwards are not allowed for Unit Linked Insurance Plan (ULIP) business. Further, Insurers shall comply Dividend criteria applicable to the Demerged with Operational Guidelines issued by Fixed Income Company shall be reckoned for the purpose of Money Market and Dealers Association of India with classification of investment, in equity shares and respect to settlement basis and market conventions preference shares in “Resulting Investee Company(s) etc., as amended from time to time.

as “Approved” or “Other Investment” has been changed for initial three financial years instead of III.12 Regulating Maintenance of Margin of two years.

Solvency Central Government, State Government and III.12.1 Every insurer and reinsurer shall at all times Corporate Bonds/Debentures shall be valued either maintain solvency margin higher than the control level as per prices provided by FIMMDA or at applicable of solvency, which currently is 150 per cent of market yield rates published by Subsidiary/Holding Required Solvency Margin, i.e. to ensure that the company of any rating agency registered with SEBI.

Available Solvency Margin is at least 150 per cent of Required Solvency Margin at all times. The Required III.11.2 Guidelines on Hedging Through Equity Solvency Margin shall not be less than fifty per cent Derivatives vide circular no. IRDAI/F&I/GDL/INV/ of the amount of minimum capital as stated under 041/02/2025 dated 28th February 2025

Section 6 of the Insurance Act, 1938 whereas the The insurers are permitted to enter equity derivatives Available Solvency Margin is the excess of value of transactions; to hedge against volatility in equity assets over the amount of liabilities. The IRDAI market, to ensure preservation of market value of equity investment and to reduce equity portfolio risk.

Insurers are allowed to take short positions in Stock Annual Report 2024-25 111STATUTORY AND DEVELOPMENTAL FUNCTIONS OF AUTHORITY (Actuarial, Finance and Investment Functions of III.13 Adjudication of Disputes between Insurers Insurers) Regulations, 2024 describe in detail the and Intermediaries or Insurance Intermediaries method of computation of the Available and Required III.13.1 According to Regulation 59(2) of the IRDAI Solvency Margin.

(Insurance Brokers) Regulations, 2018, any disputes Every life insurer shall determine the Required arising between an insurance broker and an insurer, Solvency Margin, the Available Solvency Margin and or any other party, whether during the course of the the Solvency Ratio as per the provisions of IRDAI broker’s engagement or otherwise, may be referred (Actuarial, Finance and Investment Functions of to the Authority by the affected person. Upon Insurers) Regulations, 2024. The computation of receiving such a complaint or representation, the Required Solvency Margin is a two-factor based Authority may examine it and, if deemed necessary, model, where the factors apply on the adjusted conduct an inquiry, inspection, or investigation in Mathematical Reserves and Sum at Risk. The factors accordance with these regulations.

vary with different segments of life insurance III.14 Specifying the Percentage of Life Insurance business.

Business and General Insurance Business to be III.12.2 In the case of general insurers, Re-insurers undertaken by the Insurers in the Rural and Social and Branches of Foreign Re-insurers, the Required Sector Solvency Margin shall be the higher of RSM-1 and III.14.1 W.e.f. 1st April 2024, the rural and social RSM-2 computed as under for each Line of Business obligations are governed by The IRDAI (Rural, Social

separately:

Sector, and Motor Third Party Obligations) RSM-1 means the Required Solvency Margin based Regulations, 2024. According to the revised on net premiums, and shall be determined as twenty regulation, Rural obligations for the insurers has been per cent of the amount which is higher of the Gross defined at the Gram Panchayat level with emphasis Premiums multiplied by a Factor A and the Net on coverage of Lives, Health, Motor vehicles, Premiums. For the purpose of calculation of RSM1, Dwellings and Shops. The Social obligations have ‘Trailing 12 month’s premium’ will be taken into been linked to Government Social security schemes account. such as PMJJBY, PMSBY, PM Kissan Samman Nidhi Yojana, PM Jan Arogya Yojana, PM Awas Yojana, RSM-2 means the Required Solvency Margin based PM Viswakarma Yojana, PM Mudra Yojana etc.

on net incurred claims, and shall be determined as thirty per cent of the amount which is the higher of Considering the representations received from Life the Gross Incurred Claims multiplied by a factor B Insurance and General Insurance Councils, the and the Net Incurred claims. For the purpose of Authority has exempted the mandatory requirement calculation of RSM-2, Claims will be taken into of submission of Gram Sachiv certification wherever account as maximum of ‘Trailing 12 months Claims’ they are finding it difficult for FY 2024-25 and and ‘Trailing 36 months Claims divided by 3’. permitted self-certification by Chief Executive Officer 112 Annual Report 2024-25STATUTORY AND DEVELOPMENTAL FUNCTIONS OF AUTHORITY of the insurer subject to the condition that the Motor Third Party Obligations) Regulations, 2024, in compliance is supported by the validation by the terms of setting up the revised targets for rural and statutory Auditor of the respective insurers. social obligations for FY 2025-26 and also considering the challenges being faced by insurers Further the Master Circular on Rural, Social and in complying with these obligations.

Motor Third Party obligations is being reviewed in compliance with IRDAI (Rural, Social Sector, and Annual Report 2024-25 113PART – IV Organisational MattersORGANISATIONAL MATTERS IV. 1. ORGANIZATION Shri Deepak Sood was appointed as Whole-time Member (Non-Life) with effect from 20th August IV.1.1 According to Section 4 of the IRDAI Act 1999,

2024. the Authority is composed of a Chairperson, up to five Whole-time members, and a maximum of four Shri Swaminathan S. Iyer was appointed as Whole- part-time members. As on 31st March 2025, the time Member (Life) with effect from 1st May 2025.

IRDAI consists of four Whole-time members and two Part-Time Members: part-time members. Detailed information is provided

below:

Dr. Maruthi Prasad Tangirala, Additional Secretary, Department of Financial Services, Ministry of

Chairperson:

Finance, Government of India, Part-time Member of Shri Debasish Panda, IAS (UP:87) (Retd.), former the Authority held the office up to 17th April 2025.

Secretary, Department of Financial Services who Shri Parshant Kumar Goyal, Joint Secretary, was appointed as Chairperson of the Authority by Department of Financial Services, Ministry of the Government of India for a period of three years Finance, Government of India was appointed as Part- w.e.f. 14th March 2022, held the office up to 13th time Member of the Authority with effect from 17th March 2025. Shri Ajay Seth, IAS (KN:87) (Retd.), April 2025.

former Finance Secretary and Secretary of Department of Economic Affairs was appointed as C.A. Ranjeet Kumar Agarwal, President of the Chairperson of the Authority by the Government of Institute of Chartered Accountants of India, Part-time India with effect from 1st September 2025.

Member of the Authority held the office up to 11th February 2025. Thereafter, C.A. Charanjot Singh Whole-Time Members:

Nanda, President of the Institute of Chartered Shri Parmod Kumar Arora, Whole-time Member Accountants of India, became Part-time Member of

(Actuary), continued during the period. the Authority with effect from 12th February 2025.

Shri Rajay Kumar Sinha, Whole-time Member (Finance & Investment), continued during the period.

Shri B. C. Patnaik, Whole-time Member (Life), demitted the office on 14th November 2024.

Shri Satyajit Tripathy, was appointed as Whole-time Member (Distribution) with effect from 24th May 2024.

Annual Report 2024-25 117STATUTORY AND DEVELOPMENTAL FUNCTIONS OF AUTHORITY Table IV.1: Composition of the Authority as on 31st March 2025 S.No. Chairperson - Appointed under Section 4(a) of the IRDA Act, 1999

1. Position is vacant as on 31st March 2025.

Whole-time Members - Appointed under Section 4(b) of the IRDA Act, 1999

1. Shri Parmod Kumar Arora - Whole-time Member (Actuary)

2. Shri Rajay Kumar Sinha - Whole-time Member (Finance & Investment)

3. Shri Satyajit Tripathy - Whole-time Member (Distribution)

4. Shri Deepak Sood - Whole-time Member (Non-Life) Part time Members - Appointed under Section 4(c) of the IRDA Act, 1999

1. Dr. Maruthi Prasad Tangirala (Additional Secretary, Department of Financial Services, Ministry of Finance)

2. C.A. Charanjot Singh Nanda (President, Institute of Chartered Accountants of India) IV.1.2 Meetings of the Authority IV.1.2.1 During F.Y. 2024-25, the Authority met on four occasions as detailed in Table IV.2.

Table IV.2 Meetings of The Authority S.No. Authority Meeting Date 1 126th Meeting of the Authority 2nd August 2024 2 127th Meeting of the Authority 1st October 2024 3 128th Meeting of the Authority 20th December 2024 4 129th Meeting of the Authority 12th March 2025 IV.1.2.2 The details of the meetings attended by each member are given in Table IV.1.3.

Table IV.3: Details of Meetings of the Authority held during 2024-25 Number of Number of Name Meetings Meetings Held Attended Shri Debasish Panda - Chairman 4 4 Shri Parmod Kumar Arora - Whole-time Member (Actuary) 4 4 Shri B. C. Patnaik - Whole-time Member (Life) 2 2 Shri Rajay Kumar Sinha - Whole-time Member (Finance & Investment) 4 4 Shri Satyajit Tripathy - Whole-time Member (Distribution) 4 4 Shri Deepak Sood - Whole-time Member (Non-Life) 3 3 Dr. Maruthi Prasad Tangirala, Part-time Member 3 2 C.A. Ranjeet Kumar Agarwal, Part-time Member 3 2 C.A. Charanjot Singh Nanda, Part-time Member 1 1 118 Annual Report 2024-25STATUTORY AND DEVELOPMENTAL FUNCTIONS OF AUTHORITY IV.2 HUMAN RESOURCES value to the Authority and its employees, leading to improved employee welfare, empowerment, growth IV.2.1 The Human Resource Management and retention.

function is one of the vital activities of General Administration and Human Resources Depart- During the year, recruitment exercise was carried ment (GA&HR) of IRDAI and plays the role of an out at entry level i.e. Assistant Managers and 48 enabler and a facilitator to build and maintain an newly recruited Assistant Managers joined the IRDAI efficient and motivated workforce in the Authority on 7th April 2025.

to meet its diversified requirements. The main aim Staff Strength is to strengthen the employer-employee relationship through measuring job satisfaction, IV.2.2 The staff strength and the need for additional employee engagement and resolving workplace manpower are reviewed from time to time. The conflict, if any.

position of sanctioned and actual staff strength as on 31st March 2025 is given in Table IV.4.

The role of the department is to develop, implement and support programs and processes that add Table IV.4: Sanctioned and Actual Staff Strength in IRDAI Officer As on 31st March 2024 As on 31st March 2025 Class Sanctioned Actual Sanctioned Actual I 374 229 389 225 Other 0 0 0 0 Total 374 229 389 225 Subsequent to the approval granted by the Authority in its 119th meeting held on 26th July 2022, with respect to the run off Senior Assistant and Assistant Grade and conduct of promotion exercise in 2022-23, the Class III and IV positions stand withdrawn and the Authority has become officer-oriented organization.

Category-wise Staff Strength IV.2.3 The category-wise distribution of the staff members is provided in Table IV.5.

Table IV.5: Category-wise Staff Strength in IRDAI Officer As on 31st March 2024 As on 31st March 2025 Class SC ST OBC Others Total SC ST OBC Others Total I 28 10 64 127 229 28 9 64 124 225 (12.23) (4.37) (27.95) (55.46) (100.00) (12.44) (4.00) (28.44) (55.11) (100.00)

Note: Figures in brackets are percentage to total Annual Report 2024-25 119STATUTORY AND DEVELOPMENTAL FUNCTIONS OF AUTHORITY GENDER AND AGE PROFILE OF EMPLOYEES Grade-wise Staff Strength Age-wise Staff Strength IV.2.5 The grade-wise distribution of staff members is provided in Table IV.7.

IV.2.4 Out of 225 employees, 51 are female and constituting 22.67 percent of staff strength. IRDAI is Table IV.7: Grade-wise Staff Strength in IRDAI relatively a young and dynamic organization with Grades 2023-24 2024-25 average age of employees about 41 years. The age- wise distribution of the staff members in 2024-25 is Executive Director (ED) 3 3 given in Table IV.6. Chief General Manager (CGM) 10 11 General Manager (GM) 23 23 Table IV.6: Age-wise Distribution of Deputy General Manager (DGM) 44 47 Staff in IRDAI Assistant General Manager (AGM) 27 22 Age-Band Numbers Percentage Manager (MGR) 66 65 (in Years) Assistant Manager (AM) 56 54 Less than and 29 12.89 Total 229 225 equal to 30 31-40 69 30.67 Training and Development 41-50 72 32.00 IV.2.6 Training and Development is critical for helping 51-60 55 24.44 employees to develop their personal and professional Grand Total 225 100.00 skills, knowledge, and abilities. In order to enhance and widen the knowledge base, employees have been nominated for various training programs. Several training initiatives were undertaken during the year to enhance the knowledge, skills and efficiencies of staff members.

120 Annual Report 2024-25STATUTORY AND DEVELOPMENTAL FUNCTIONS OF AUTHORITY Induction Training organised, including one on “Understanding Risk and Supervision,” delivered by Shri Thomas Devasia, who IV.2.7 served as Member (Non-Life), IRDAI, and Dr. V.

Anantha Nageswaran, Chief Economic Advisor, Newly recruited Assistant Managers of 2024 batch Government of India. (joined on 7th April 2025) have undergone Induction training for a period of 4 months in collaboration with Domestic Training Institute of Insurance and Risk Management (IIRM) and Indian School of Business (ISB), Hyderabad. The IV.2.9 Training Program by College of training included classroom sessions and industry Supervisors (CoS), RBI – Officers from visits (onsite training) to various insurance departments / Mission Mode Teams were nominated companies, providing field-level exposure to to different training programs during the year understand the functioning of insurers at different conducted by College of Supervisors, RBI.

levels. Participants were also assigned various Toronto Centre, RBSF projects / research works to be submitted at the end of the training period.

IV.2.10 IRDAI has entered into an Agreement with Toronto Centre (TC) for development and implemen- In-house Training tation of Risk Based Supervisory Framework IV.2.8 Gyan Manch – A knowledge sharing (RBSF) for insurance sector in India. As part of the platform of IRDAI engagement, TC has conducted following capacity

building sessions during the year:

Gyan Manch is a knowledge-sharing platform of IRDAI. During the year, several sessions were S. Training Period No. of Participants Topics covered No. (approx.) 1 4th April 2024 40 RBS Capacity Building Session:

• Climate Risk - IRDAI’s approach and TC Toolkit • Offsite supervision (continuous monitoring) • Reporting to regulated firm • Interview Skills 2 26th September 40 RBS Capacity Building Session 2024 • Reinsurance Supervision • Documentation and Report writing 3 29th January 2025 40 RBS Capacity Building Session:

• Thematic Reviews • Documentation and Quality Assurance • Group Wide Supervision - Joint Forum Principles • Consolidated and Conglomerate Supervision Annual Report 2024-25 121STATUTORY AND DEVELOPMENTAL FUNCTIONS OF AUTHORITY Other Activities with lot of enthusiasm praising women officers for their achievements in professional and other fields.

Young Professionals IRDAI Foundation Day IV.2.11 During the year 2022-23, under young professional program, 28 candidates were inducted IV.2.14 The Authority entered its Silver Jubilee year as young professionals under 7 streams. i.e.

on 19th April 2024. To mark this significant milestone, Actuarial, Finance & Investment, Law, Technology, a celebration was held at IRDAI office with full Research, Rural Management and Communication enthusiasm and active participation from all staff.

for a tenure of one year with a provision of extension Various engaging activities were organized to up to two years. Based upon the performance of the engage employees, including interactive sessions young professionals as well as requirements of user and cultural programmes. Eminent speakers were departments, the tenure of the young professionals also invited to share their thoughts on IRDAI’s was extended for a period of one year in two tranches journey and the changing insurance landscape. The i.e. upto 2025. As a result of their engagement with occasion served as a moment of pride and reflection insurance regulator, young professionals have been for the entire IRDAI family.

benefitted and as a result of which, 5 young professionals have left for promising opportunities Internal Committee for Women Employees outside during the year, whereas remaining are aspiring for acquiring more regulatory knowledge. As IV.2.15 In terms of provisions of the Sexual on 31st March 2025, six young professionals are Harassment of Women at Workplace (Prevention, working in different departments and gaining more Prohibition and Redressal) Act, 2013, the Internal regulatory exposure. Complaints Committee has been reconstituted vide

office order ref: IRDAI/HR/ORD/PER/163/08/2023 Promotion Exercise dated 28th August 2023 with a view to redressing the complaints as also to ensure compliance of various IV.2.12 As per the provisions of IRDAI Staff (Officers provisions laid down in the Act. A workshop on the and Other Employees) Regulations, 2016, the subject has also been conducted specially for the promotion of employees at different grades was newly recruited Officers during the year.

taken up in January 2025 and eligible employees in the order of merit were promoted to next grades.

A report under Section 21 of the Sexual Harassment Observance of International Women’s Day of Women at Workplace (Prevention, Prohibition and Redressal) Act, 2013 read with Rule 14, is as under:

IV.2.13 The International Women’s Day (IWD) 2025 was celebrated on 10th March 2025 by all the staff Number of Complaints of sexual harassment received in the year 0 Number of complaints disposed off during the year 0 Number of cases pending for more than 90 days 0 Number of workshops or awareness programme A programme on the POSH Act, for the Assistant against sexual harassment carried out Managers of the 2024 batch, was conducted on 30th July 2025 Nature of action taken by the employer or District Officer NA 122 Annual Report 2024-25STATUTORY AND DEVELOPMENTAL FUNCTIONS OF AUTHORITY Grievance Redressal Committee financial year, special efforts were made to ensure compliance of the Official Language Policy of the IV.2.16 The Grievance Redressal Committee (GRC) Union enshrined in the Constitution of India including was re-constituted in accordance with Regulation 72 the Official Languages Act, 1963, the Official of IRDA (Condition of Service of Officers and Other Language Rules, 1976, and the Annual Programme Employees) Regulations, 2000, vide office order ref:

given by the Government of India for the use of Hindi IRDAI/GA&HR/ORD/PER/076/05/2024 dated 9th and the orders issued by the Department of Official May 2024, to look into grievances, if any, of its Language from time to time. The Annual Programme Officers and Employees. Regulation 78 of IRDAI Staff for the use of Hindi for the year 2024-25 was published (Officers and Other Employees) Regulations, 2016 through an Office Order for its compliance.

prescribes the provisions and process for Grievance redressal and welfare of employees. IV.3.2. All the documents to be laid down on the table of either House of Parliament were prepared in In pursuance of recommendation of National bilingual form. The letters/representations/appeals/ Commission for Schedule Caste (NCSC), an Internal RTI applications received in Hindi were replied to in Grievance Redressal Committee (IGRC) for Hindi ensuring compliance with Rule 5 of the Official employees belonging to Schedule Castes community Language Rules, 1976. Implementation of Rule 11 has already been constituted on 5th November 2021.

of the above Rules was also ensured.

Acquisition of Office Space at New Delhi and Progress Report other major upgrades for IRDAI building IV.3.3 The data relating to the Quarterly Progress IV.2.17 The Authority has acquired office space at Report was collected from all the departments of the World Trade Centre, Nauroji Nagar, New Delhi, IRDAI in the format prescribed by the Department of to enhance its regional presence.

Official Language, Government of India. The report was submitted to the Department of Official Language, IV.2.18 The Multi-Purpose Hall (MANTHAN) at the Ministry of Home Affairs as well as Department of Head Office has been extensively renovated, Financial Services, Ministry of Finance within the incorporating state-of-the-art facilities, including stipulated time period. Besides the Quarterly advanced AV systems for conducting meetings and Progress Report, Half-yearly Progress Report, events of the Authority.

Annual Progress Report and the Evaluation Report IV.3 PROMOTION OF OFFICIAL LANGUAGE were also prepared and submitted to the aforesaid departments as well as to the Town Official Language IV.3.1 Insurance Regulatory and Development Implementation Committee (TOLIC).

Authority of India (IRDAI) continued to make its concerted efforts to promote the use of Hindi in the ACHIEVEMENTS AND AWARDS office work. A separate Official Language IV.3.4 IRDAI successfully organized an online Hindi Implementation (OLI) wing is functioning to ensure typing competition during the Hindi Month through effective compliance with various provisions relating the online typing application created by IRDAI with to the implementation of official language. During the Annual Report 2024-25 123STATUTORY AND DEVELOPMENTAL FUNCTIONS OF AUTHORITY the special purpose of promoting Hindi typing. All IV.3.6 IRDAI organized a Rajbhasha Technical employees were encouraged to use Hindi in their day- Seminar on 24th October for all the 6 Town Official to-day correspondence. Assistance was provided in Language Implementation Committee (TOLIC) preparing the agenda and minutes in Hindi for member offices situated at Hyderabad. In addition to meetings of the Authority as well as in maintaining this, a Rajbhasha Seminar was organized by IRDAI the registers in bilingual form. Use of Hindi in the for one day, on 26th March 2025 in Mumbai for official notings and documents was encouraged. As Rajbhasha Officers of Insurance Companies, Banks and when required by the internal departments, and Financial institutes on the subject of new quarterly arrangements were made to provide translation from and annual report in connection with the progressive English to Hindi and vice-versa. For the period ending use of official language Hindi.

on 31st March 2025, Hindi correspondence and Hindi In addition to this, a Hindi idioms and proverbs noting stood at 82.07 per cent and 91.14 per cent competition was organized on 24th October 2024 for against the target of 55 per cent and 30 per cent the Rajbhasha Officers and employees of the respectively. In comparison to the last year, average member offices of 6 TOLICs at Hyderabad. Besides, Hindi correspondence registered a decrease of 0.31 a Hindi Antakshari competition was held on 18th per cent and there was a growth of 1.20 per cent in December 2024 for the officers and employees of Hindi noting registered during the year. An increase the member offices of the TOLIC (Banks and was registered in the average Hindi correspondence Insurance). In addition to this, a Hindi translation by the Head Office with Region C. Original competition was held on 15th July 2024 by IRDAI, correspondence was made cent per cent bilingual New Delhi Regional Office for the officers and by Mumbai Regional Office and New Delhi Regional employees of the member offices of the TOLIC Office. 18 Standard forms of correspondence were

(Banks), New Delhi. Officers of IRDAI participated developed in the financial year 2024-25 with a in the 78th and 79th half-yearly meetings of the Town purpose of increasing the Hindi correspondence.

Official Language Implementation Committee IV.3.5 On 14th September 2024, Insurance (Banks), Hyderabad. Along with this, IRDAI actively Regulatory and Development Authority of India participated in all the Seminars / Workshops /

(IRDAI) received the First Prize in Region ‘C’ for the Competitions of the TOLIC. Guest Lectures were year 2023-24 for excellent performance in the official delivered by the Rajbhasha Department of IRDAI on language and was awarded the Rajbhasha Kirti the occasion of Hindi Workshop at CDFD, Hyderabad Puraskar in the category of board / autonomous body on 28th June 2024, at the Mishra Dhatu Nigam Ltd.

/ trust / society etc. by Government of India. IRDAI (Midhani), Hyderabad on 14th November 2024 and was awarded the Second Prize by the Town Official at NIAB, Hyderabad on 09th December 2024. In Language Implementation Committee (TOLIC- addition to this, role as a judge was performed in the Banks), Hyderabad for implementation of Rajbhasha. inter-offices competition organized on 06th August 12 Officers from IRDAI received prizes in various 2024 at NMDC, Head Office, Hyderabad. Mumbai Hindi competitions organized under the auspices of and New Delhi Regional Offices of IRDAI ensured the TOLIC, Hyderabad. participation in other activities of the concerned TOLICs including their two half-yearly meetings.

124 Annual Report 2024-25STATUTORY AND DEVELOPMENTAL FUNCTIONS OF AUTHORITY IV.3.7 Along with the Senior-most whole-time the help of Unicode and other easy to use methods member of IRDAI, Assistant General Manager and in order to make more extensive use of Hindi in their the Rajbhasha Officer of New Delhi Regional Office day-to-day work. During 2024-25, 127 employees of participated in the Fourth All India Rajbhasha Head Office at Hyderabad were trained through these Conference held in New Delhi on 14-15 of September workshops. Hindi workshops were also organized

2024. In addition to this, IRDAI participated in the at New Delhi Regional Office and Mumbai Regional ‘Joint Regional Rajbhasha Conference and Prize Office and training was imparted to all the employees Distribution Function’ of the Southern and South- in these two Regional Offices. During the Hindi West-North Region organized at Mysore on 04th workshops, study material was distributed in respect January 2025. of rules pertaining to Hindi, the Annual Programme issued for use of Hindi, and general Hindi notings. In Hindi Training addition to this, during the Hindi workshops, the trainee employees were also apprised with the e- IV.3.8 The roster of employees was updated tools related to Hindi typing and use of Hindi.

according to the knowledge of Hindi language and training of the employees. This was particularly Inspection of Official Language Implementation utilized for nominating employees for the training programmes of Pragya and Parangat conducted by IV.3.10 Official Language Department, Ministry of the Hindi Training Institute, Department of Official Home Affairs conducted successful official language Language, Ministry of Home Affairs, Government of inspection of the New Delhi Regional Office of the India. During 2024-25, 39 employees were imparted Authority on 26th April 2024. In addition to that, the Prabodh, Pragya and Parangat Hindi knowledge Official Language Department at the Head Office training. As per the provisions which are in force in conducted OLI inspection of all the departments of the office for Hindi training, all the employees who Head Office including Mumbai Regional Office and have undergone training were given honorarium. A New Delhi Regional Office in February – March 2025.

provision is implemented in IRDAI to grant Hindi Maah (Hindi Month) honorarium for Parangat training. 12 employees have been trained through ongoing desk training with a IV.3.11 Hindi Maah (Hindi Month) was celebrated at view to promote the use of Hindi.

the Head Office and Regional Offices of IRDAI from 01st to 30th September 2024 which was inaugurated Hindi Workshops and Meetings by Hon’ble Home Minister Shri Amit Shah Ji in a IV.3.9 Official Language Implementation Committee centralized form at the Fourth All India Rajbhasha has been constituted under the chairmanship of the Conference, New Delhi. All the personnel of the office Chairman with all the Heads of Departments as witnessed this Inauguration Function. During this members and review meetings have been organized Hindi Maah, a total of thirteen competitions for Hindi every quarter. Official Language Implementation speaking and non-Hindi speaking employees were Committees have also been constituted at New Delhi held in Translation, Memory, Idioms and Proverbs, and Mumbai Regional Offices. Hindi workshops were Essay writing, Story writing, Quiz, Meaningful Hindi conducted regularly to make the employees familiar words, Official Language Policy and Hindi Noting with the rules related to Hindi and Hindi typing with Competition (for Deputy General Managers and Annual Report 2024-25 125STATUTORY AND DEVELOPMENTAL FUNCTIONS OF AUTHORITY higher grades), Singing Hindi songs, Poetry recitation, Business Analytics Project (BAP) Hindi elocution, Antakshari, and online Hindi typing IV.4.2 Business Analytics Project is the application through special software. In these competitions, for offsite regulatory monitoring developed and particularly in the Official Language Policy and Hindi managed by IRDAI through Service Provider. With noting Competition held for Deputy General the new regulations in place, there was a need to Managers and above grades, 43 Senior Officers update the analytics software to the next level hence participated in total including 2 Executive Directors, BAP 2.0. This included not only data, but dashboards, 6 Chief General Managers, 13 General Managers detailed analytics so that the huge data coming from and 22 Deputy General Managers.

insurance companies and intermediaries could be Hindi Maah (Hindi Month) was organized at the Head well compiled and inferred upon. The work on Office and the Regional Offices of IRDAI. In addition, developing BAP 2.0 is in progress. After its with an aim to increase the participation in the Hindi development, BAP 2.0 will make Authority’s work Maah, 5 officers who participated in more than 5 more interactive, dynamic, and effective so that it competitions were also awarded prizes. 127 officers meets the needs of the Authority in changing were awarded prizes in the concluding ceremony of landscape of Insurance Industry in India.

the Hindi Maah. The Hindi Maah was a Grand Human Resource Management System Success.

(HRMS) Other Information IV.4.3 In order to support Organizational Goals and IV.3.12 A memory-based translation software facilitate smooth operations, the following activities “Kanthasth” 2.0 was used by the employees of were completed for HRMS, during the year 2024- IRDAI. In order to promote Hindi, 113 Hindi books 25:

written by prominent writers were added to the library • Designed and implemented a range of of IRDAI this year and the budget for Hindi books functionalities, including declaration forms, was increased year-on-year. With a view to increase claim forms, tax forms, and more, using the the Insurance Awareness, the Rajbhasha Department SAP Fiori design system and SAPUI5 extended active co-operation in making available the framework.

material in respect of all the relative subjects in Hindi and other regional languages. In IRDAI, more than • Successfully launched the new Fiori portal that 50 per cent of the total expenditure on advertisements offers improved performance, enhanced user was incurred for advertisements in Hindi and regional experience and cross-platform compatibility.

languages. • Completed the migration of data from the legacy IV. 4 INFORMATION TECHNOLOGY portal, which has now been decommissioned.

IV.4.1 As part of our strengthened dedication to • Additional forms are currently under enhancing the efficiency and effectiveness of IT development to further expand the capabilities systems and security informational assets, the GA of the Fiori portal.

& HR Department has undertaken the following activities during the financial year 2024-25:

126 Annual Report 2024-25STATUTORY AND DEVELOPMENTAL FUNCTIONS OF AUTHORITY Internal Applications suggests appropriate amendments in the framework based on experience gained since IV.4.4 During the year, the Maintenance and support issuance of revised guidelines.

was undertaken for IRDAI website, Intranet, Cross Border Reinsurance portal and other IT applications • Working closely with NCIIPC (National Critical to support other departments. Information Infrastructure Protection Centre) to identify regulated entity systems as Critical Information and Cyber Security for Regulated Information Infrastructure (CII).

Entities • A dedicated Cyber Crisis Management IV.4.5 The GA & HR Department has taken up Committee constituted at IRDAI for guiding following initiatives for information and cyber security Regulated Entitles for responding to the cyber

of Regulated Entities: security incidents escalating to cyber crisis which may pose systemic risk. The Committee • Enhance monitoring of Cyber Security matters is headed by Member (F&I) IRDAI and in Regulated Entitles (RE) post issuance of includes members from Cert-In, Industry, etc.

revised cyber security guidelines in 2023. • IRDAI in collaboration with Cert-In conducted • Enhanced IT security measures for insurers the Technical Cybersecurity Drill ‘Cyber Shock’ driven by consistent follow-ups, ensuring the in May 2024 for Insurance Companies.

timely conduct and submission of the Annual Assurance Audit. • Made Cyber Security an integral part of Bima Manthan, wherein the general issues identified • Maintaining consistent communication, in cyber security posture of Insurance Industry including in the form of regular advisories, with and experience of IRDAI on cyber security Regulated Entities to address the evolving matters are communicated to Insurance cyber threat landscape and enhance Industry, thereby further enhancing resilience cybersecurity management.

in Insurance Sector. • Enhanced Cyber Security Posture and • Enhanced interactions with Cert-In, NCIIPC, Resilience in Insurance Intermediaries as all other Financial Regulators for ensuring prompt insurance intermediaries have been brought dissemination of information, experiences, under the ambit of cyber security framework.

issues etc. related to cyber security and • Regular Meetings of IRDAI Standing promoting resilience in financial sector.

Committee on Cyber Security for reviewing the • Provided inputs of IRDAI to MeitY on impact threats inherent in the existing or emerging of DPDP Act and Draft Rules on Insurance technologies and suggest appropriate changes Sector after collecting feedback from to Cyber Security Framework to further Insurance Industry.

strengthen Cyber Security Posture and resilience of Insurance Industry. The committee Annual Report 2024-25 127STATUTORY AND DEVELOPMENTAL FUNCTIONS OF AUTHORITY Strengthening of IRDAI’s Internal IT and • Upgraded all the End of Life network and Information & Cyber Security security equipment with the latest devices, for improved functionality, management, and better IV.4.6 Following steps have been carried out towards Monitoring thus meeting the security strengthening of IRDAI’s internal and information & requirements of IRDAI network infrastructure.

cyber security:

IV.5 ACCOUNTS • Conducted half-yearly VAPT (Vulnerability Assessment and Penetration Testing), followed IV.5.1 The Annual Accounts for FY 2024–25 have by Revalidation VAPT, for IRDAI’s public facing been prepared and are in the process of being and intranet applications, to identify and submitted to the Comptroller and Auditor General expeditiously close gaps for strengthening (CAG) of India for audit.

IRDAI cyber security.

The Annual Accounts for FY 2023–24 have been • Conducted comprehensive cyber security audit audited by the CAG and were forwarded to the of IRDAI infrastructure to identify vulnerabilities Ministry of Finance on 01.08.2025 for placing before in IRDAI systems & processes and patched both Houses of Parliament (Lok Sabha and Rajya them expeditiously. Sabha).

• Celebrated October, 2024 as Cyber Security IV.6 ACKNOWLEDGEMENTS Awareness Month by launching month long IV.6.1 IRDAI would like to place on record its awareness programme through interactive appreciation and sincere thanks to the Members of learning platform.

IRDAI, Members of the Insurance Advisory • Renewed Membership with Data Security Committee, the Reinsurance Advisory Committee, Council of India (DSCI) for advising on cyber Department of Financial Services (Ministry of security strategy, legal and compliance queries, Finance), Members of the Consultative Committee, incident handling, and implementing security all insurers and intermediaries for their invaluable and privacy programs. guidance and co-operation; and the compact team of officers and employees of IRDAI for efficient • Conduced Cyber Jagrookta Diwas (CJD) discharge of their duties. IRDAI also records its sessions for improving awareness of IRDAI special thanks to the members of the public, the employees on cyber hygiene and best press, the professional bodies and international practices.

agencies connected with the insurance profession through their councils including the International Association of Insurance Supervisors (IAIS) for their valuable contribution from time to time.

128 Annual Report 2024-25StatementsStatement 1 INTERNATIONAL COMPARISON OF INSURANCE PENETRATION (In per cent) S.No. Country* 2023 2024 Life Non-Life Total Life Non-Life Total America 1 USA 2.6 9.3 11.9 2.7 9.4 12.1 2 Canada 3.3 4.7 8.0 3.3 4.8 8.1 3 Brazil 2.1 1.8 3.9 2.2 1.9 4.1 4 Mexico 1.1 1.4 2.5 1.2 1.5 2.7 5 Argentina 0.2 1.3 1.5 0.3 2.0 2.3 Europe-Middle East-Africa 6 South Africa 9.2 2.3 11.5 9.6 2.4 12.1 7 UK 7.1 2.6 9.7 9.2 2.6 11.8 8 Sweden 5.7 1.7 7.4 6.8 1.8 8.6 9 France 5.5 3.2 8.7 6.5 3.1 9.6 10 Netherlands 1.2 7.2 8.3 1.1 7.0 8.1 11 Italy 4.9 2.2 7.1 5.4 2.2 7.6 12 Switzerland 2.9 4.0 6.9 2.7 4.0 6.7 13 Germany 2.1 3.4 5.5 2.1 3.6 5.7 14 Spain 2.5 2.8 5.3 2.0 2.7 4.7 15 Turkey 0.2 1.5 1.7 0.2 1.6 1.8 16 Saudi Arabia 0.1 1.6 1.7 0.2 1.7 1.9 17 Russia 0.4 0.7 1.1 1.0 0.7 1.7 Asia Pacific 18 Taiwan 7.1 3.2 10.3 7.5 3.2 10.6 19 South Korea 5.0 6.0 11 4.2 5.3 9.4 20 Singapore 7.4 1.8 9.2 6.5 1.7 8.2 21 Japan# 6.8 2.1 8.9 6.4 2.0 8.5 22 Thailand 3.4 1.9 5.3 2.7 2.3 5.1 23 Malaysia 3.7 1.4 5.2 3.8 1.5 5.3 24 Australia 0.9 3.3 4.2 0.6 3.6 4.2 25 India# 2.8 1.0 3.7 2.7 1.0 3.7 26 China 2.1 1.8 3.9 2.4 1.9 4.2 27 New Zealand 0.4 3.2 3.6 0.4 3.1 3.5 28 Indonesia 0.8 0.6 1.3 0.7 0.6 1.3 29 Pakistan 0.5 0.3 0.7 0.4 0.2 0.7 World 2.9 4.2 7.0 3.0 4.3 7.3 * Data pertains to the calendar year 2023 & 2024 # Data pertains to Financial year 2023-24 & 2024-25

Note: Insurance Penetration is measured as ratio of premium (in US Dollars) to GDP (in US Dollars).

Source: Swiss Re Institute Sigma No 3/2024 and 2/2025 Annual Report 2024-25 131STATEMENTS Statement 2 INTERNATIONAL COMPARISION OF INSURANCE DENSITY (In USD) S.No. Country* 2023 2024 Life Non-Life Total Life Non-Life Total America 1 USA 2,136 7,504 9,640 2,300 7,995 10,295 2 Canada 1,759 2,507 4,267 1,809 2,580 4,389 3 Brazil 207 183 390 226 193 420 4 Argentina 35 190 225 35 275 309 5 Mexico 154 197 351 174 213 387 Europe-Middle East-Africa 6 Switzerland 2,832 3,998 6,830 2,833 4,147 6,980 7 Sweden 3,202 983 4,185 3,936 1,039 4,975 8 UK 3,466 1,294 4,759 4,827 1,359 6,185 9 Netherlands 724 4,492 5,216 715 4,771 5,486 10 France 2,431 1,435 3,867 3,011 1,420 4,432 11 Germany 1,106 1,804 2,910 1,158 1,993 3,151 12 Italy 1,878 830 2,708 2,155 898 3,053 13 Spain 835 909 1,744 704 965 1,669 14 South Africa 577 141 718 605 151 756 15 Saudi Arabia 19 454 472 60 535 595 16 Turkey 27 197 224 34 242 276 17 Russia 57 98 155 145 97 241 Asia Pacific 18 Singapore 6,264 1,536 7,799 5,923 1,545 7,468 19 Taiwan 2,285 1,022 3,307 2,539 1,075 3,614 20 South Korea 1,635 1,968 3,603 1,501 1,894 3,395 21 Australia 584 2,174 2,759 380 2,381 2,762 22 Japan# 2,245 693 2,938 2,084 654 2,738 23 New Zealand 205 1,533 1,738 201 1,487 1,688 24 Malaysia 425 165 590 448 175 623 25 China 274 234 508 313 245 558 26 Thailand 244 140 384 201 170 371 27 India# 70 25 95 72 25 97 28 Indonesia 38 28 66 36 30 66 29 Pakistan 7 4 11 7 4 11 World 361 528 889 388 555 943 "* Data pertains to the calendar year 2023 & 2024 # Data pertains to Financial year 2023-24 & 2024-25

Note: Insurance Density is measured as ratio of premium (in US Dollars) to Population

Source: Swiss Re Institute sigma No 3/2024 and 2/2025 132 Annual Report 2024-25STATEMENTS Statement 3 TOTAL PREMIUM UNDERWRITTEN BY LIFE INSURERS (` in Crore) S.No. Insurer 2023-24 2024-25 1 Acko Life Insurance Ltd. 36.52 64.05 2 Aditya Birla Sun Life Insurance Co. Ltd. 17,260.12 20,638.77 3 Ageas Federal Life Insurance Co. Ltd. 2,697.37 3,072.74 4 Aviva Life Insurance Co. India Ltd. 1,346.86 1,306.77 5 Bajaj Allianz Life Insurance Co. Ltd. 23,043.04 27,160.06 6 Bandhan Life Insurance Ltd. 430.91 512.28 7 Bharti AXA Life Insurance Co. Ltd. 2,908.30 2,979.95 8 Canara HSBC Life Insurance Co. Ltd. 7,128.70 8,027.46 9 Credit Access Life Insurance Ltd. 97.00 192.97 10 Edelweiss Tokio Life Insurance Co. Ltd. 1,932.09 2,092.99 11 Future Generali India Life Insurance Co. Ltd. 1,810.54 2,510.85 12 Go Digit Life Insurance Ltd. 426.36 1,069.41 13 HDFC Life Insurance Co. Ltd. 63,076.48 71,044.91 14 ICICI Prudential Life Insurance Co. Ltd. 43,235.64 48,950.71 15 IndiaFirst Life Insurance Co. Ltd. 6,973.83 7,218.09 16 Kotak Mahindra Life Insurance Co. Ltd. 17,708.38 18,375.66 17 Axis Max Life Insurance Ltd. 29,528.97 33,222.60 18 PNB Metlife Life India Insurance Co. Ltd. 9,732.28 11,752.39 19 Pramerica Life Insurance Ltd. 1,919.38 2,074.43 20 Reliance Nippon Life Insurance Co. Ltd. 5,536.90 5,710.68 21 Sahara India Life Insurance Co. Ltd.$ $ $ 22 SBI Life Insurance Co. Ltd. 81,430.64 84,984.63 23 Shriram Life Insurance Co. Ltd. 3,507.54 4,216.42 24 Star Union Dai-ichi Life Insurance Co. Ltd. 6,717.87 8,260.38 25 Tata AIA Life Insurance Co. Ltd. 25,691.82 31,483.60 Private Total 3,54,177.54 3,96,922.81 (15.05) (12.07) 26 Life Insurance Corporation of India** 4,75,751.92 4,88,848.92 (0.23) (2.75) Industry Total 8,29,929.46 8,85,771.73 (6.06) (6.73)

Note: Figures in the brackets represent the growth over the previous year in per cent. $ Life insurance business of Sahara India Life Insurance Company Ltd. (SILIC) is transferred to SBI Life Insurance Company Ltd. (SBI Life) by IRDAI vide its Order dated 02.06.2023 and the above data /information for the FYs 2023-24 and 2024-25 does not include data /information pertaining to SILIC.

**In respect of LIC, the premium figure include `398.15 crore (PY `476.25 crore) from out of India business.

Annual Report 2024-25 133STATEMENTS 134 Annual Report 2024-25 4 tnemetatS 52-4202 ROF SRERUSNI EFIL FO MUIMERP DEKNIL-NON DNA DEKNIL )erorC` ni muimerP( muimerP latoT muimerP dekniL-noN muimerP dekniL rerusnI latoT laweneR weN elgniS raeY tsriF latoT laweneR weN elgniS raeY tsriF latoT laweneR weN elgniS raeY tsriF muimerP ssenisuB muimerP ssenisuB muimerP ssenisuB raeY tsriF( raeY tsriF( raeY tsriF( )elgniS + )elgniS + )elgniS +

50.46

14.0

56.36

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63.3

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84.308,2

51.754,5

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79.291

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89.290,2

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95.446,32

22.606,51

73.830,8

73.147,91

66.020,01

17.027,9

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17.059,84

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99.511,51

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88.861,21

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82.155,31

07.225,01

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10.267,4 .dtL .oC ecnarusnI efiL laitnedurP ICICI

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83.653,1

24.439

66.038,1

61.841,1

05.286

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06.184 .dtL .oC ecnarusnI efiL tsriFaidnI

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92.161,01

73.412,8

97.385,3

95.036,4

03.278,31

34.854,8

78.314,5

81.269,2

96.154,2

63.305,4

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06.126

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47.082 dtL .oC ecnarusnI efiL noppiN ecnaileR - - - - - - - - - - - - - - - $ .dtL .oC ecnarusnI efiL aidnI arahaS

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3202.60.20STATEMENTS Statement 6 EQUITY SHARE CAPITAL OF LIFE INSURERS (` in Crore) S. Insurer As on Infusion As on Indian Foreign Foreign No. March 31, during March 31, Promoters/ Promoters/ Investment 2024 the year 2025 Investors Investors % 1 Acko Life Insurance Ltd. 140.05 - 140.05 140.05 - - 2 Aditya Birla Sun Life Insurance Co. Ltd. 1,986.51 33.08 2,019.59 1,029.99 989.60 49.00 3 Ageas Federal Life Insurance Co. Ltd. 800.00 - 800.00 208.00 592.00 74.00 4 Aviva Life Insurance Co. India Ltd. 2,189.90 - 2,189.90 569.37 1,620.53 74.00 5 Bajaj Allianz Life Insurance Co. Ltd. 150.71 - 150.71 111.53 39.18 26.00 6 Bandhan Life Insurance Ltd. 1,842.73 444.99 2,287.72 2,287.72 - - 7 Bharti AXA Life Insurance Co. Ltd. 3,841.20 102.00 3,943.20 3,943.20 - - 8 Canara HSBC Life Insurance Co. Ltd. 950.00 - 950.00 703.00 247.00 26.00 9 Credit Access Life Insurance Ltd. 168.00 - 168.00 43.68 124.32 74.00 10 Edelweiss Tokio Life Insurance Co. Ltd. 915.55 199.08 1,114.63 886.51 228.12 20.47 11 Future Generali India Life Insurance Co. Ltd. 2,599.32 - 2,599.32 675.86 1,923.46 74.00 12 Go Digit Life Insurance Ltd. 121.19 92.01 213.20 119.04 94.16 44.17 13 HDFC Life Insurance Co. Ltd. 2,150.94 2.05 2,152.99 1,612.54 540.45 25.10 14 ICICI Prudential Life Insurance Co. Ltd. 1,440.62 4.70 1,445.32 904.88 540.44 37.39 15 IndiaFirst Life Insurance Co. Ltd. 754.37 0.22 754.59 558.45 196.14 25.99 16 Kotak Mahindra Life Insurance Co. Ltd. 510.29 - 510.29 510.29 - - 17 Axis Max Life Insurance Ltd. 1,918.81 142.58 2,061.39 2,061.39 - - 18 PNB Metlife Life India Insurance Co. Ltd. 2,012.88 - 2,012.88 1,028.27 984.61 48.92 19 Pramerica Life Insurance Ltd. 374.06 - 374.06 190.77 183.29 49.00 20 Reliance Nippon Life Insurance Co. Ltd. 1,196.32 - 1,196.32 610.12 586.20 49.00 21 Sahara India Life Insurance Co. Ltd. 232.00 - 232.00 232.00 - - 22 SBI Life Insurance Co. Ltd. 1,001.46 0.68 1,002.14 766.35 235.79 23.53 23 Shriram Life Insurance Co. Ltd.** 179.17 1.21 180.38 126.50 53.88 29.87 24 Star Union Dai-ichi Life Insurance Co. Ltd. 338.96 18.28 357.24 187.84 169.40 47.42 25 Tata AIA Life Insurance Co. Ltd. 2,933.50 1,600.00 4,533.50 2,312.08 2,221.42 49.00 Private Total 30,748.55 2,640.87 33,389.42 21,819.43 11,569.99 34.65 26 Life Insurance Corporation of India 6,325.00 - 6,325.00 6,315.75 9.25 0.15 Total 37,073.55 2,640.87 39,714.42 28,135.18 11,579.24 29.16 **IRDAI has not approved the changes made by the insurer in its shareholding pattern and the matter is subjudice as on

31.03.2025.

136 Annual Report 2024-25STATEMENTS Statement 7 GROSS DIRECT PREMIUM OF GENERAL AND HEALTH INSURERS (WITHIN AND OUTSIDE INDIA) (` in Crore) Insurer 2023-24 2024-25 Private Sector Insurers Acko General Insurance Ltd. 1,870.28 2,064.67 Bajaj Allianz General Insurance Co. Ltd. 20,472.68 21,416.80 Cholamandalam MS General Insurance Co. Ltd. 7,532.89 8,124.30 Future Generali India Insurance Co. Ltd. 4,910.90 5,408.16 Go Digit General Insurance Ltd. 7,941.09 8,472.16 HDFC ERGO General Insurance Co. Ltd. 18,567.56 15,817.29 ICICI Lombard General Insurance Co. Ltd. 24,776.11 26,833.36 IFFCO Tokio General Insurance Co. Ltd. 9,835.08 8,312.34 Kshema General Insurance Ltd. 568.50 771.46 Liberty General Insurance Ltd. 2,155.03 2,246.44 Magma General Insurance Ltd. 3,044.19 3,334.40 Navi General Insurance Ltd. 70.48 99.53 Raheja QBE General Insurance Co. Ltd. 295.89 353.22 Reliance General Insurance Co. Ltd. 11,688.82 12,548.37 Royal Sundaram General Insurance Co. Ltd. 3,637.10 3,763.18 SBI General Insurance Co. Ltd. 12,553.57 13,889.65 Shriram General Insurance Co. Ltd. 3,036.05 3,753.38 Tata AIG General Insurance Co. Ltd. 15,090.90 17,702.83 Universal Sompo General Insurance Co. Ltd. 4,622.19 5,078.45 Zuno General Insurance Co. Ltd. 833.80 992.30 Zurich Kotak General Insurance Co. (India) Ltd. 1,587.11 1,915.37 Private Sector Insurers Total 1,55,090.19 1,62,897.68

17.54% 5.03% Public Sector Insurers National Insurance Co. Ltd. 15,180.29 16,833.47 The New India Assurance Co. Ltd. 40,363.83 41,992.21 The Oriental Insurance Co. Ltd. 18,794.13 20,327.48 United India Insurance Co. Ltd. 19,852.96 20,072.15 Public Sector Insurers Total 94,191.20 99,225.31

9.11% 5.34% Specialized Insurers Agriculture Insurance Co of India Ltd 9,940.58 9,741.57 ECGC Ltd. 1,270.77 1,366.53 Specialized Insurers Total 11,211.34 11,108.10 -29.12% -0.92% Standalone Health Insurers Aditya Birla Health insurance Co. Ltd. 3,701.32 4,821.70 Care Health Insurance Ltd. 6,864.46 8,318.25 Galaxy Health and Allied Insurance Co. Ltd. - 16.95 ManipalCigna Health Insurance Co. Ltd. 1,691.49 1,797.56 Narayana Health Insurance Ltd. - 2.37 Niva Bupa Health Insurance Co. Ltd. 5,607.57 6,762.23 Reliance Health Insurance Ltd. $ - - Star Health and Allied Insurance Co. Ltd. 15,254.45 16,716.20 Standalone Health Insurers Total 33,119.30 38,435.25

26.20% 16.05% Grand Total 2,93,612.04 3,11,666.33

12.79% 6.15%

Note: Figure in percentage indicate growth in percent over previous year.

Reclassification/Regrouping in the previous year's figures, if any, by the insurer has not been considered. $ Takeover of Reliance Health Insurance portfolio by Reliance General Insurance Annual Report 2024-25 137STATEMENTS 138 Annual Report 2024-25 8 tnemetatS FO EMOCNI MUIMERP TCERID SSORG ESIW TNEMGES )AIDNI NIHTIW(SRERUSNI HTLAEH DNA LARENEG )erorC ni `( latoT srehtO levarT+AP+htlaeH rotoM eniraM eriF rerusnI 52-4202 42-3202 52-4202 42-3202 52-4202 42-3202 52-4202 42-3202 52-4202 42-3202 52-4202 42-3202 rerusnI rotceS etavirP

76.460,2

82.078,1

46.721

16.141

60.039

90.898

69.600,1

85.038 - -

00.0 - .dtL ecnarusnI lareneG okcA

18.614,12

86.274,02

23.151,4

38.689,4

26.240,8

79.249,6

99.933,6

87.748,5

94.383

41.003

93.994,2

59.493,2 .dtL .oC ecnarusnI lareneG znaillA jajaB

03.421,8

98.235,7

15.337

02.916

79.551,1

61.401,1

44.724,5

35.369,4

47.541

80.131

46.166

29.417 .dtL .oC ecnarusnI lareneG SM maladnamalohC

61.804,5

09.019,4

95.700,1

24.678

36.858,1

02.826,1

76.238,1

46.047,1

93.721

82.411

88.185

63.155 .dtL .oC ecnarusnI aidnI ilareneG erutuF

61.274,8

90.149,7

15.644

89.933

39.526,1

16.506,1

33.468,5

72.174,5

34.15

82.73

69.384

59.684 .dtL ecnarusnI lareneG tigiD oG

92.718,51

65.765,81

64.537,4

37.177,4

67.990,6

61.835,6

17.360,3

53.572,5

73.951

63.681

99.857,1

69.597,1 .dtL .oC ecnarusnI lareneG OGRE CFDH

87.277,62

11.677,42

00.273,4

36.398,3

76.536,7

47.611,7

38.937,01

56.336,9

18.188

77.367

74.341,3

23.863,3 .dtL .oC ecnarusnI lareneG drabmoL ICICI

43.213,8

80.538,9

57.040,2

63.245,2

07.409

30.646,1

86.961,4

52.173,4

72.223

24.503

59.478

20.079 .dtL .oC ecnarusnI lareneG oikoT OCFFI

64.177

05.865

54.177

05.865

00.0

10.0 - - -

00.0

00.0 .dtL ecnarusnI lareneG amehsK

44.642,2

30.551,2

13.421

24.421

95.473

90.633

42.166,1

17.975,1

25.62

63.53

77.95

44.97 .dtL ecnarusnI lareneG ytrebiL

04.433,3

91.440,3

45.531

69.601

77.247

85.115

10.860,2

35.370,2

66.15

89.83

34.633

41.313 .dtL ecnarusnI lareneG amgaM

35.99

84.07 - -

99.09

75.55

41.9

39.51 - - )06.0( )20.1( detimiL ecnarusnI lareneG ivaN

22.353

98.592

88.86

20.76

56.03

39.72

10.732

85.981

22.0 )00.0(

54.61

53.11 .dtL .oC ecnarusnI lareneG EBQ ajehaR

73.845,21

28.886,11

83.224,4

54.420,4

88.612,2

86.350,2

95.756,4

69.063,4

56.731

75.731

78.311,1

61.211,1 .dtL .oC ecnarusnI lareneG ecnaileR

81.367,3

01.736,3

45.211

58.99

09.477

89.906

83.794,2

38.175,2

05.26

23.45

78.513

11.103 .dtL .oC ecnarusnI lareneG maradnuS layoR

56.988,31

75.355,21

25.758,2

34.390,3

08.037,4

43.999,3

12.966,4

11.065,3

08.69

79.28

23.535,1

37.718,1 .dtL .oC ecnarusnI lareneG IBS

83.357,3

50.630,3

46.16

98.64

71.321

08.911

50.874,3

39.777,2

14.3

21.2

11.78

13.98 .dtL .oC ecnarusnI lareneG marirhS

38.207,71

09.090,51

63.083,2

03.867,1

50.295,3

18.331,3

52.580,9

94.734,7

41.247

33.676

30.309,1

79.470,2 .dtL .oC ecnarusnI lareneG GIA ataT

54.870,5

91.226,4

88.673,1

16.406,1

73.980,1

72.595

40.862,2

74.611,2

95.18

11.85

75.262

37.742 .dtL .oC ecnarusnI lareneG opmoS lasrevinU

03.299

08.338

03.5

25.5

88.573

67.493

61.565

69.693

58.0

08.0

01.54

57.53 .dtL .oC ecnarusnI lareneG onuZ

73.519,1

11.785,1

42.55

98.06

22.847

07.986

28.700,1

84.847

64.51

60.9

26.88

89.87 .dtL )aidnI( .oC ecnarusnI lareneG katoK hciruZ

01.738,26,1

91.090,55,1

38.689,92

06.247,92

36.341,34

74.700,04

35.846,07

50.369,56

03.092,3

69.339,2

28.767,51

11.344,61 latoT rerusnI rotceS etavirPSTATEMENTS Annual Report 2024-25 139 8 tnemetatS ...dtnoC LARENEG FO EMOCNI MUIMERP TCERID SSORG ESIW-TNEMGES )AIDNI NIHTIW(SRERUSNI HTLAEH DNA )erorC ni `( latoT srehtO levarT+AP+htlaeH rotoM eniraM eriF rerusnI 52-4202 42-3202 52-4202 42-3202 52-4202 42-3202 52-4202 42-3202 52-4202 42-3202 52-4202 42-3202 rerusnI rotceS cilbuP

47.667,61

65.311,51

02.292,1

84.461,1

09.985,8

49.844,7

72.243,5

59.430,5

66.123

53.572

07.022,1

38.981,1 .dtL .oC ecnarusnI lanoitaN

67.426,83

85.699,63

99.384,3

53.622,3

90.657,91

06.478,81

24.394,01

70.815,9

77.649

89.389

94.449,3

85.393,4 .dtL .oC ecnarussA aidnI weN ehT

58.887,91

40.982,81

24.962,3

82.840,3

44.499,9

24.599,8

87.484,4

02.712,4

88.505

69.074

33.435,1

81.755,1 .dtL .oC ecnarusnI latneirO ehT

51.270,02

69.258,91

32.412,2

24.740,2

82.915,7

22.842,8

84.421,8

72.740,7

02.934

32.724

69.477,1

28.280,2 .dtL .oC ecnarusnI aidnI detinU

05.252,59

31.252,09

48.952,01

45.684,9

17.958,54

71.765,34

59.444,82

94.718,52

25.312,2

35.751,2

84.474,8

14.322,9 latoT rerusnI rotceS cilbuP rerusnI dezilaicepS

75.147,9

85.049,9

75.147,9

85.049,9 AN AN AN AN AN AN AN AN dtL aidnI fo oC ecnarusnI erutlucirgA

35.663,1

77.072,1

35.663,1

77.072,1 AN AN AN AN AN AN AN AN .dtL CGCE

01.801,11

43.112,11

01.801,11

43.112,11 AN AN AN AN AN AN AN AN latoT rerusnI dezilaicepS rerusnI htlaeH enoladnatS

07.128,4

23.107,3 AN AN

07.128,4

23.107,3 AN AN AN AN AN AN .dtL .oC ecnarusni htlaeH alriB aytidA

65.692,8

64.468,6 AN AN

65.692,8

64.468,6 AN AN AN AN AN AN .dtL ecnarusnI htlaeH eraC

59.61

59.61 .dtL .oC ecnarusnI deillA dna htlaeH yxalaG

65.797,1

94.196,1 AN AN

65.797,1

94.196,1 AN AN AN AN AN AN .dtL .oC ecnarusnI htlaeH angiClapinaM

73.2

73.2 .dtL ecnarusnI htlaeH anayaraN

32.267,6

75.706,5 AN AN

32.267,6

75.706,5 AN AN AN AN AN AN .dtL .oC ecnarusnI htlaeH apuB )xaM reilrae( aviN - AN AN AN AN AN AN AN AN AN AN @.dtL ecnarusnI htlaeH ecnaileR

02.617,61

54.452,51 AN AN

02.617,61

54.452,51 AN AN AN AN AN AN .dtL .oC ecnarusnI deillA dna htlaeH ratS

75.314,83

03.911,33 AN AN

75.314,83

03.911,33 AN AN AN AN AN AN latoT rerusnI htlaeH enoladnatS

62.116,70,3

79.276,98,2

77.453,15

84.044,05

09.614,72,1

59.396,61,1

84.390,99

45.087,19

18.305,5

94.190,5

03.242,42

25.666,52 latoT

dnarG :etoN .tnemges gnidnopserroc eht ni ro raey laicnanif gnidnopserroc eht gnirud noitarepo ni ton saw ssenisub s'rerusni taht setacidni AN .deredisnoc neeb ton sah rerusni eht yb ,yna fi ,serugif s'raey suoiverp eht ni gnipuorgeR/noitacifissalceR ecnarusnI lareneG ecnaileR yb oiloftrop ecnarusnI htlaeH ecnaileR fo revoekaT@STATEMENTS Statement 9 EQUITY SHARE CAPITAL OF GENERAL & HEALTH INSURERS AND RE-INSURERS (` in Crore) Insurers As on Infusion As on Indian Foreign Foreign 31st March During 31st March Promoter/ Promoter/ Investment(%) 2024 the Year 2025 Investors Investors PRIVATE SECTOR INSURERS Acko General Insurance Limited 2446.00 350.00 2796.00 2796.00 0.00 0.00 Bajaj Allianz General Insurance Co. Ltd. 110.23 0.00 110.23 81.57 28.66 26.00 Cholamandalam MS General Insurance Co. Ltd. 298.81 0.00 298.81 179.29 119.52 40.00 Future Generali India Insurance Co. Ltd. 1206.40 0.00 1206.40 597.10 609.30 50.51 Go Digit General Insurance Ltd. 875.16 47.87 923.03 766.91 156.12 16.91 HDFC ERGO General Insurance Co. Ltd. 714.97 10.86 725.83 366.99 358.84 49.44 ICICI Lombard General Insurance Co. Ltd. 492.69 3.04 495.73 377.17 118.55 23.91 IFFCO Tokio General Insurance Co. Ltd. 287.82 0.00 287.82 146.79 141.03 49.00 Kshema General Insurance Ltd. 111.29 10.00 121.29 121.29 0.00 0.00 Liberty General Insurance Ltd. 1086.22 45.65 1131.87 580.84 551.03 48.68 Magma General Insurance Ltd. 269.30 24.09 293.39 293.39 0.00 0.00 Navi General Insurance Ltd. 495.79 0.00 495.79 495.79 0.00 0.00 Raheja QBE General Insurance Co. Ltd. 398.35 56.70 455.05 232.08 222.97 49.00 Reliance General Insurance Co. Ltd. 264.83 0.08 264.91 264.91 0.00 0.00 Royal Sundaram General Insurance Co. Ltd. 449.00 0.00 449.00 269.40 179.60 40.00 SBI General Insurance Co. Ltd. 223.38 0.37 223.76 198.53 25.23 11.28 Shriram General Insurance Co. Ltd.^ 259.16 0.00 259.16 157.57 101.59 39.20 Tata AIG General Insurance Co. Ltd. 994.46 0.80 995.26 736.70 258.56 25.98 Universal Sompo General Insurance Co. Ltd. 368.18 0.00 368.18 240.74 127.44 34.61 Zuno General Insurance Co. Ltd. 871.00 116.00 987.00 987.00 0.00 0.00 Zurich Kotak General Insurance Co. (India) Ltd. 875.00 197.73 1072.73 321.82 750.91 70.00 PRIVATE SECTOR TOTAL (A) 13,098.05 863.18 13,961.24 10,211.87 3,749.37 26.86 PUBLIC SECTOR INSURERS National Insurance Co. Ltd. 9,375.00 0.00 9,375.00 9,375.00 0.00 0.00 The New India Assurance Co. Ltd. 824.00 0.00 824.00 816.60 7.40 0.90 The Oriental Insurance Co. Ltd. 4620.00 0.00 4620.00 4620.00 0.00 0.00 United India Insurance Co. Ltd. 3905.00 0.00 3905.00 3905.00 0.00 0.00 PUBLIC SECTOR TOTAL (B) 18,724.00 0.00 18,724.00 18,716.60 7.40 0.04 TOTAL (PRIVATE + PUBLIC) (A+B) 31,822.05 863.18 32,685.24 28,928.47 3,756.77 11.49 140 Annual Report 2024-25STATEMENTS Contd... Statement 9 EQUITY SHARE CAPITAL OF GENERAL, HEALTH AND RE-INSURERS (` in Crore) Insurers As on Infusion As on Indian Foreign Foreign 31st March During 31st March Promoter/ Promoter/ Investment(%) 2024 the Year 2025 Investors Investors SPECIALISED INSURERS Agriculture Insurance Co of India Ltd 200.00 0.00 200.00 200.00 0.00 0.00 ECGC Ltd. 4,338.00 0.00 4,338.00 4,338.00 0.00 0.00 SPECIALISED INSURERS TOTAL (C) 4,538.00 0.00 4,538.00 4,538.00 0.00 0.00 STANDALONE HEALTH INSURERS Aditya Birla Health insurance Co. Ltd. 507.78 30.22 538.00 246.87 291.13 54.11 Care Health Insurance Ltd. 972.04 2.14 974.18 974.18 0.00 0.00 Galaxy Health and Allied Insurance Co. Ltd 300.25 0.00 300.25 300.25 0.00 0.00 ManipalCigna Health Insurance Co. Ltd. 1,526.44 118.81 1,645.25 839.77 805.49 48.96 Narayana Health Insurance Ltd. 100.05 0.00 100.05 100.05 0.00 0.00 Niva Bupa Health Insurance Co. Ltd. 1,699.53 127.49 1,827.03 1,619.95 207.08 11.33 Reliance Health Insurance Ltd.@ 193.90 0.00 193.90 193.90 0.00 0.00 Star Health and Allied Insurance Co. Ltd. 585.28 2.50 587.79 475.41 112.38 19.12 STANDALONE HEALTH INSURERS TOTAL (D) 5,885.29 281.17 6,166.45 4,750.37 1,416.07 22.96 General and Health Insurers Total(A+B+C+D) 42,245.34 1,144.35 43,389.69 38,216.84 5,172.84 11.92 REINSURERS General Insurance Corporation 877.20 0.00 877.20 877.20 0.00 0.00 REINSURERS TOTAL (E) 877.20 0.00 877.20 877.20 0.00 0.00 GRAND TOTAL (F) = (A+B+C+D+E) 43,122.54 1,144.35 44,266.89 39,094.04 5,172.84 11.69

Note: ^IRDAI has not approved the changes made by the insurer in its shareholding pattern and the matter is subjudice as on 31.03.2025. @Takeover of Reliance Health Insurance portfolio by Reliance General Insurance Annual Report 2024-25 141STATEMENTS Statement 10 INCURRED CLAIMS RATIO OF GENERAL AND HEALTH INSURERS (WITHIN INDIA) Insurer Incurred Claims Ratio (%) Fire Marine Motor Health Others Total 2023-24 2024-25 2023-24 2024-25 2023-24 2024-25 2023-24 2024-25 2023-24 2024-25 2023-24 2024-25 PRIVATE SECTOR INSURERS Acko General Insurance Ltd. 0.00 - 0.00 - 85.95 82.08 56.91 57.82 89.50 89.69 69.57 69.95 Bajaj Allianz General Insurance Co. Ltd. 47.36 46.63 60.42 69.33 71.84 68.54 84.96 87.31 61.42 54.64 73.80 74.59 Cholamandalam MS General Insurance Co. Ltd. 78.47 78.36 76.32 60.60 75.05 72.65 66.67 73.04 68.06 80.36 73.66 73.33 Future Generali India Insurance Co. Ltd. 79.55 87.39 54.66 72.75 68.10 67.89 84.62 95.29 57.35 67.15 71.85 78.88 Go Digit General Insurance Ltd. 85.70 68.73 80.21 56.00 62.31 67.04 93.87 83.78 80.83 89.37 70.32 72.82 HDFC ERGO General Insurance Co. Ltd. 87.37 63.45 90.15 89.49 100.61 101.80 80.98 84.85 77.78 84.08 87.70 89.47 ICICI Lombard General Insurance Co. Ltd. 62.23 46.76 73.38 79.76 65.21 64.21 78.85 82.24 75.42 66.05 70.79 70.64 IFFCO Tokio General Insurance Co. Ltd. 103.75 75.05 75.67 97.14 81.04 89.72 107.46 83.74 73.61 88.23 86.33 88.31 Kshema General Insurance Ltd. 0.00 57.82 0.00 0.00 0.00 79.83 0.00 40.03 69.54 65.72 69.54 65.72 Liberty General Insurance Ltd. 31.83 19.37 92.97 129.53 75.69 78.33 79.92 92.99 53.73 68.29 75.29 80.54 Magma General Insurance Ltd. 41.47 41.48 190.33 116.12 78.86 78.96 87.46 85.54 72.22 71.62 79.88 79.80 Navi General Insurance Ltd. -2.57 -1.22 0.00 0.00 61.84 79.06 59.40 101.89 -34.09 -229.01 52.40 91.85 Raheja QBE General Insurance Co. Ltd. -291.26 198.63 -3576.10 44.57 78.09 86.96 106.27 105.12 47.08 54.24 77.91 89.47 Reliance General Insurance Co. Ltd. 50.46 88.24 98.94 124.16 78.19 82.80 89.42 87.34 86.30 73.33 81.06 82.63 Royal Sundaram General Insurance Co. Ltd. 81.85 44.23 71.20 90.44 74.91 75.86 92.06 95.56 33.87 44.92 77.62 79.25 SBI General Insurance Co. Ltd. 88.29 61.42 161.67 112.62 84.53 84.20 87.86 82.19 78.40 83.50 85.90 82.41 Shriram General Insurance Co. Ltd. 68.26 62.83 23.01 44.15 63.57 67.05 47.47 74.55 45.33 74.18 63.00 67.65 Tata AIG General Insurance Co. Ltd. 64.85 84.85 92.50 77.98 66.98 75.83 77.94 76.24 71.46 91.50 71.43 77.30 Universal Sompo General Insurance Co. Ltd. 92.02 29.78 131.39 115.34 77.30 58.91 105.76 97.12 71.93 92.63 81.74 77.15 Zuno General Insurance Co. Ltd. 84.17 18.57 1247.72 106.82 75.63 69.61 88.45 90.12 77.73 4.73 82.64 79.78 Zurich Kotak General Insurance Co. (India) Ltd. 31.30 75.00 310.97 171.85 73.25 77.88 59.06 70.69 26.96 46.28 65.56 74.60 Private Sector Insurers' Total 69.67 65.00 83.50 84.03 73.30 74.62 83.49 83.46 74.98 77.20 76.49 77.50 PUBLIC SECTOR INSURERS National Insurance Co. Ltd. 82.61 60.34 29.14 65.40 111.21 118.74 90.83 96.05 75.24 74.19 95.90 100.22 The New India Assurance Co. Ltd. 80.08 71.20 48.14 53.74 100.64 106.40 105.87 100.98 56.84 62.87 97.36 96.61 The Oriental Insurance Co. Ltd. 105.69 120.05 87.48 64.05 102.09 113.34 101.96 102.58 82.44 74.03 98.89 100.75 United India Insurance Co. Ltd. 77.99 84.00 48.23 49.78 86.95 99.49 109.23 97.51 90.48 58.20 96.50 92.93 Public Sector Insurers' Total 83.46 78.07 54.01 56.79 99.57 107.94 103.16 99.84 75.26 67.03 97.23 97.30 SPECIALIZED INSURERS Agriculture Insurance Co. of India Ltd NA NA NA NA NA NA NA NA 95.59 80.43 95.59 80.43 ECGC Ltd. NA NA NA NA NA NA NA NA -90.25 -54.69 -90.25 -54.69 Specialized Insurers' Total NA NA NA NA NA NA NA NA 66.58 54.99 66.58 54.99 STANDALONE HEALTH INSURERS Aditya Birla Health Insurance Co. Ltd. NA NA NA NA NA NA 68.31 71.50 NA NA 68.31 71.50 Care Health Insurance Ltd. NA NA NA NA NA NA 57.69 64.53 NA NA 57.69 64.53 Galaxy Health and Allied Insurance Co. Ltd. NA NA NA NA NA NA NA - NA NA NA - ManipalCigna Health Insurance Co. Ltd. NA NA NA NA NA NA 63.78 74.81 NA NA 63.78 74.81 Narayana Health Insurance Ltd. NA NA NA NA NA NA NA - NA NA NA - Niva Bupa Health Insurance Co. Ltd NA NA NA NA NA NA 59.02 61.22 NA NA 59.02 61.22 Reliance Health Insurance Ltd. NA NA NA NA NA NA NA 0 NA NA NA 0 Star Health and Allied Insurance Co. Ltd. NA NA NA NA NA NA 66.47 70.30 NA NA 66.47 70.30 Standalone Health Insurers' Total NA NA NA NA NA NA 63.63 68.06 NA NA 63.63 68.06 GRAND TOTAL 78.33 72.93 72.39 73.63 81.98 85.51 86.35 85.34 72.78 68.62 82.52 82.88

Note:

Health includes Personal Accident NA indicates that insurer's business was not in operation during the corresponding financial year or in the corresponding segment.

Reclassification/Regrouping in the previous year's figures, if any, by the insurer has not been considered.

142 Annual Report 2024-25STATEMENTS Statement 11 SOLVENCY RATIO OF LIFE INSURERS Insurer June September December March 2024 2024 2024 2025 Public Sector 1 LIC of India 1.99 1.98 2.02 2.11 Private Sector 2 Acko Life Insurance Ltd. 2.26 2.22 2.14 1.96 3 Aditya Birla Sun Life Insurance Co. Ltd. 1.72 1.88 1.94 1.88 4 Bandhan Life Insurance Ltd. 2.20 2.82 2.38 2.69 5 Aegas Federal Life Insurance Co. Ltd. 2.72 2.74 2.76 2.70 6 Aviva Life Insurance Co. India Ltd. 1.88 1.94 1.99 1.93 7 Bajaj Allianz Life Insurance Co Ltd 3.99 3.78 3.69 3.59 8 Bharti-AXA Life Insurance Co Ltd 1.64 1.62 1.63 1.67 9 Canara HSBC Life Insurance Co. Ltd. 2.24 2.17 2.15 2.06 10 Credit Access Life Insurance Ltd. 3.41 3.45 3.39 3.59 11 Edelweiss Tokio Life Insurance Co. Ltd. 1.70 1.64 1.70 1.81 12 Future Generali India Life Insurance Co. Ltd. 1.82 1.70 1.61 1.70 13 Go Digit Life Insurance Ltd. 2.31 1.96 1.98 3.85 14 HDFC Life Insurance Co. Ltd. 1.86 1.81 1.88 1.94 15 ICICI Prudential Life Insurance Co. Ltd. 1.88 1.89 2.12 2.12 16 IndiaFirst Life Insurance Co. Ltd. 2.18 2.11 2.10 2.00 17 Kotak Mahindra Life Insurance Co. Ltd. 2.48 2.57 2.56 2.45 18 Axis Max Life Insurance Ltd. 2.03 1.98 1.96 2.01 19 PNB MetLife India Insurance Co. Ltd. 1.72 1.71 1.71 1.72 20 Pramerica Life Insurance Ltd. 2.49 2.33 2.15 2.33 21 Reliance Nippon Life Insurance Co. Ltd. 2.28 2.31 2.39 2.35 22 Sahara India Life Insurance Co. Ltd.* - - - - 23 SBI Life Insurance Co. Ltd. 2.01 2.04 2.04 1.96 24 Shriram Life Insurance Co. Ltd. 1.99 1.72 1.76 1.79 25 Star Union Dai-ichi Life Insurance Co. Ltd. 1.96 1.86 1.83 2.30 26 Tata AIA Life Insurance Co. Ltd. 2.12 1.96 1.87 1.80 *Information with respect to Sahara India Life Insurance Company Ltd. has not been provided in the absence of annual valuation data and transfer of business of Sahara India Life Insurance Company Ltd. to SBI Life Insurance Company Limited vide IRDAI order no IRDAI/F&I/ORD/MISC/119/6/2023 dated 2nd June, 2023.

Annual Report 2024-25 143STATEMENTS Statement 12 SOLVENCY RATIO OF GENERAL, HEALTH & SPECIALISED INSURERS AND REINSURERS S. Insurer June September December March No. 2024 2024 2024 2025 Private Sector Insurer 1 Acko General Insurance Ltd. 2.80 2.43 2.36 2.30 2 Bajaj Allianz General Insurance Co. Ltd. 3.11 3.12 3.00 3.25 3 Cholamandalam MS General Insurance Co. Ltd. 1.92 2.06 2.14 2.18 4 Future Generali India Insurance Co. Ltd. 2.12 1.98 2.03 1.96 5 Go Digit General Insurance Ltd. 2.17 2.18 2.18 2.24 6 HDFC ERGO General Insurance Co. Ltd. 1.56 1.78 1.75 2.00 7 ICICI Lombard General Insurance Co. Ltd. 2.56 2.65 2.36 2.69 8 IFFCO Tokio General Insurance Co. Ltd. 1.81 1.80 1.84 1.85 9 Kshema General Insurance Ltd. 1.68 1.83 1.77 1.53 10 Liberty General Insurance Ltd. 1.63 1.65 1.65 1.75 11 Magma General Insurance Ltd. 1.81 1.77 1.79 2.02 12 Navi General Insurance Ltd. 4.06 4.19 4.39 4.56 13 Raheja QBE General Insurance Co. Ltd. 1.96 2.08 2.02 1.72 14 Reliance General Insurance Co. Ltd. 1.60 1.56 1.54 1.59 15 Royal Sundaram General Insurance Co. Ltd. 2.38 2.35 2.26 2.20 16 SBI General Insurance Co. Ltd. 2.21 2.26 2.12 2.03 17 Shriram General Insurance Co. Ltd. 3.87 3.93 3.58 3.51 18 Tata AIG General Insurance Co. Ltd. 2.20 2.09 2.00 1.81 19 Universal Sompo General Insurance Co. Ltd. 1.73 1.96 1.98 1.97 20 Zuno General Insurance Co. Ltd. 1.69 1.64 1.62 1.58 21 Zurich Kotak General Insurance Co. (India) Ltd. 7.39 6.84 6.43 5.73 Public Sector Insurers 22 National Insurance Co. Ltd. -0.46 -0.45 -0.53 -0.67 23 The New India Assurance Co. Ltd. 1.83 1.81 1.90 1.91 24 The Oriental Insurance Co. Ltd. -1.03 -1.02 -1.05 -1.03 25 United India Insurance Co. Ltd. -0.73 -0.71 -0.91 -0.65 Specialized Insurers 26 Agriculture Insurance Co of India Ltd 3.43 3.41 3.55 4.07 27 ECGC Ltd. 47.39 50.24 52.84 57.13 Stand-alone Health Insurers 28 Aditya Birla Health insurance Co. Ltd. 1.72 1.80 1.64 1.84 29 Care Health Insurance Ltd. 1.64 1.59 1.56 1.68 30 Galaxy Health and Allied Insurance Co. Ltd. 0.00 0.00 5.21 4.70 31 ManipalCigna Health Insurance Co. Ltd. 1.74 1.75 1.57 1.76 32 Narayana Health Insurance Ltd. 1.89 1.84 1.77 1.61 33 Niva Bupa Health Insurance Co. Ltd. 2.39 2.25 3.03 3.03 34 Star Health and Allied Insurance Co. Ltd. 2.29 2.24 2.22 2.21 Reinsurer 35 General Insurance Corporation of India 3.36 3.42 3.52 3.70 144 Annual Report 2024-25STATEMENTS Statement 13 SOLVENCY RATIO OF BRANCHES OF FOREIGN RE-INSURERS S. No. Branches of Foreign As on As on Re-insurers March 31, 2024 March 31, 2025 1 Allianz Global 4.02 5.36 2 AXA France Vie 8.66 14.56 3 Factory Mutual 3.38 4.32 4 Gen Re 2.36 2.84 5 Hannover Re 2.34 2.07 6 Lloyd’s of India 2.92 3.37 7 Munich Re 1.83 1.76 8 RGA Life 2.52 2.53 9 SCOR SE 3.05 3.62 10 Swiss Re 2.04 2.02 11 XL SE Insurance 3.62 7.99 Annual Report 2024-25 145STATEMENTS Statement 14 GROSS REINSURANCE PREMIUM OF REINSURERS INCLUDING FRBs (`Crore) Sl Reinsurer Indian Business Foreign Business Total No 2023-24 2024-25 2023-24 2024-25 2023-24 2024-25 1 GIC Re 25,804.02 30,662.44 11,377.73 10,491.51 37,181.76 41,153.95 FRBs 2 Swiss Re 7,723.37 8,604.38 4.75 4.23 7,728.12 8,608.61 3 Munich Re 10,114.45 11,381.53 121.37 177.00 10,235.81 11,558.53 4 AXA France Vie 85.81 0.00 0.00 0.00 85.81 0.00 5 SCOR SE 2,513.17 2,501.76 0.00 0.00 2,513.17 2,501.76 6 XL SE 287.01 294.53 0.00 0.00 287.01 294.53 7 Hannover Re 2,078.66 2,923.71 1.58 4.00 2,080.24 2,927.71 8 RGA Life 356.46 450.11 0.16 0.15 356.62 450.27 9 Gen Re 1,012.65 1,001.98 0.00 0.00 1,012.65 1,001.98 10 Markel(Lloyd’s ) 150.00 202.88 0.00 0.00 150.00 202.88 11 Allianz Global 208.55 230.45 54.64 72.80 263.18 303.24 12 Factory Mutual 218.91 225.19 0.00 0.00 218.91 225.19 FRBs Total 24,749.03 27,816.51 182.49 258.18 24,931.52 28,074.69 Grand Total 50,553.05 58,478.95 11,560.23 10,749.69 62,113.28 69,228.64 146 Annual Report 2024-25STATEMENTS Statement 15 ASSIGNED CAPITAL OF BRANCHES OF FOREIGN RE-INSURERS (` Crore) S. No. Branches of Foreign Re-insurers As on March Infusion During As on March 31, 2024 the Year 31, 2025 1 Allianz Global 348.85 0 348.85 2 AXA France Vie 731.87 0 731.87 3 Factory Mutual 160.80 0 160.80 4 Gen Re 959.7 0 959.70 5 Hannover Re 777.03 0 777.03 6 Lloyd’s of India 105.00 0 105.00 7 Munich Re 4,641.10 0 4,641.10 8 RGA Life 3,760.71 0 3,760.71 9 SCOR SE 975.17 0 975.17 10 Swiss Re 3,126.88 0 3,126.88 11 XL SE Insurance 233.35 0 233.35 TOTAL 15,820.46 0 15,820.46 Annual Report 2024-25 147STATEMENTS 148 Annual Report 2024-25 61 tnemetatS SRERUSNI EFIL FO TNEMEGANAM REDNU STESSA )HCRAM ts13 NO SA( )erorC ni `( DNUF EFIL rerusnI latoT rehtO devorppA & gnisuoH & tnemnrevoG etatS lartneC )dnuF efiL( stnemtsevnI stnemtsevnI erutcurtsarfnI devorppA rehtO tnemnrevoG stnemtsevnI seitiruceS seitiruceS 5202 4202 5202 4202 5202 4202 5202 4202 5202 4202 5202 4202

91.271

52.951

87.6

76.0

73.53

21.93

10.53

00.53 -

40.59 48 .dtL ecnarusnI efiL okcA

81.596,64

65.864,73

80.162,1

07.926

71.163,7

71.120,6

09.476,7

27.792,7

46.317,1

71.167,1

83.486,82

08.857,12 .dtL .oC ecnarusnI efiL nuS alriB aytidA

49.342,21

90.660,11

12.66

69.83

13.037,2

52.360,2

60.192,2

21.520,2

51.618,3

27.258,3

12.043,3

40.680,3 .dtL .oC ecnarusnI efiL laredeF saegA

42.363,01

28.515,9

06.6

90.83

52.432

24.751

50.018,1

11.876,1

02.389,2

64.323,2

51.923,5

37.813,5 .dtL aidnI .oC ecnarusnI efiL avivA

57.110,85

73.793,84

75.267

24.007

56.856,61

00.745,31

18.132,9

08.275,5

42.639,6

58.791,7

94.224,42

03.973,12 .dtL .oC ecnarusnI efiL znaillA jajaB

62.167,3

09.953,3

79.8 -

07.229

96.588

04.878

53.476

30.038

32.366

61.121,1

26.631,1 .dtL ecnarusnI efiL nahdnaB

65.920,41

70.073,21

42.791

36.491

80.350,2

30.288,1

91.193,2

91.202,2

53.912,2

16.309,1

07.861,7

06.781,6 .dtL .oC ecnarusnI efiL AXA itrahB

28.868,81

94.743,51

25.15

64.23

34.982,3

97.557,2

95.082,3

60.694,2

56.557,5

26.319,4

36.194,6

65.941,5 .dtL .oC ecnarusnI efiL CBSH aranaC

98.581

52.941

83.62

88.7

41.54

63.32

95.23

24.72

09.5

09.9

78.57 18 dtL ecnarusnI efiL sseccatiderC

95.539,6

78.815,5

68.018

30.824

48.021,1

18.088

32.531,1

88.930,1

47.212

18.222

29.556,3

43.749,2 .dtL .oC ecnarusnI efiL ssiewledE

50.759,6

30.751,6

43.14

20.64

81.901,1

22.737

22.432,1

55.980,1

39.034

75.383

83.141,4

76.009,3 .dtL .oC ecnarusnI efiL aidnI ilareneG erutuF

19.133,1

72.182

32.12

47.5

30.362

46.47

61.772

88.25

91.21 -

92.857 841 .dtL ecnarusnI efiL tigiD oG

20.594,07,1

92.724,73,1

60.242,4

80.403,2

01.301,62

23.806,02

32.792,92

80.823,32

53.390,91

76.326,51

82.957,19

41.365,57 .dtL .oC ecnarusnI efiL CFDH

57.408,71,1

89.631,20,1

97.743,2

52.919,1

68.171,42

48.616,71

34.087,22

39.584,61

65.737,5

41.856,6

01.767,26

28.654,95 .dtL .oC ecnarusnI efiL laitnedurP ICICI

06.230,41

41.141,11

79.311

00.56

17.536,1

90.846,1

64.455,2

38.460,2

54.691,4

58.083,3

10.235,5

83.289,3 .dtL .oC ecnarusnI efiL tsriFaidnI

99.169,35

16.730,64

26.501,1

36.450,1

67.615,5

04.896,4

53.621,9

43.485,7

21.199,3

55.188,2

41.222,43

86.818,92 .dtL .oC ecnarusnI efiL ardnihaM katoK

33.934,41,1

12.320,69

81.609,2

43.260,3

29.183,71

58.255,41

96.843,81

65.650,71

22.042,01

43.945,8

13.265,56

21.208,25 .dtL ecnarusnI efiL xaM sixA

82.327,73

33.648,33

82.171

02.812

45.953,7

49.075,6

59.817,7

44.849,6

58.478,6

32.533,6

66.895,51

25.377,31 .dtL .oC ecnarusnI aidnI efiLteM BNP

52.899,6

63.651,6

55.63

79.34

66.367

22.486

45.925,1

31.432,1

00.730,1

79.397

05.136,3

70.004,3 .dtL ecnarusnI efiL aciremarP

71.823,03

75.875,62

57.862

89.201

16.503,3

26.740,2

98.688,5

08.369,4

66.214,5

98.644,4

52.454,51

72.710,51 .dtL .oC ecnarusnI efiL noppiN ecnaileR

45.482,52,1

58.996,00,1

58.332,3

02.984,2

57.463,42

77.949,02

04.551,22

72.107,71

89.147,6

73.986,5

55.887,86

42.078,35 .dtL .oC ecnarusnI efiL IBS

12.152,11

80.275,9

69.19

96.27

50.191,2

72.387,1

79.294,2

05.160,2

30.446,2

53.824,2

02.138,3

72.622,3 .dtL .oC ecnarusnI efiL marirhS

68.250,71

89.206,31

95.151

61.561

24.169,1

03.391,1

34.264,3

51.395,2

72.429,3

57.524,3

61.355,7

26.522,6 .dtL .oC ecnarusnI efiL ihci-iaD noinU ratS

13.039,57

87.452,95

61.341,1

20.461,1

29.002,8

83.388,6

53.009,31

47.240,01

48.84

67.96

40.736,25

88.490,14 .dtL .oC ecnarusnI efiL AIA ataT

96.858,45,9

31.862,29,7

75.370,91

21.487,41

54.977,85,1

15.403,82,1

09.525,96,1

88.552,63,1

43.858,49

08.415,38

44.126,21,5

28.804,92,4 LATOT ETAVIRP

89.985,48,33

97.415,92,13

45.278,04

30.736,38

04.845,79,8

67.951,16,7

91.239,21,3

00.016,34,2

64.526,38,6

00.096,36,6

93.116,94,41

00.814,77,31 aidnI fo noitaroproC ecnarusnI efiL

76.844,93,34

29.287,12,93

11.649,95

51.124,89

58.723,65,01

72.464,98,8

90.854,28,4

88.568,97,3

08.384,87,7

08.402,74,7

38.232,26,91

28.628,60,81 LATOT YRTSUDNI

04.278,41

38.882,21

24.044,7

56.178,5

50.543,1

18.872,1

39.680,6

73.831,5 .dtL .oC ecnarusnI efiL nuS alriB aytidA

01.091,1

92.690,1

07.816

82.784

08.852

18.662

95.213

02.243 .dtL .oC ecnarusnI efiL laredeF saegA

34.372

26.282

71.74

50.34

80.73

22.43

81.981

53.502 .dtL aidnI .oC ecnarusnI efiL avivA

93.943,81

69.817,51

37.863,8

45.974,5

27.220,3

98.791,3

49.759,6

35.140,7 .dtL .oC ecnarusnI efiL znaillA jajaB

21.6

07.5

29.1

05.1 - -

02.4

02.4 .dtL ecnarusnI efiL nahdnaB

72.596

67.686

12.803

45.192

54.621

31.921

06.062

90.662 .dtL .oC ecnarusnI efiL AXA itrahB

21.801,5

52.840,6

72.492,2

45.961,3

85.895,1

17.135,1

72.512,1

00.743,1 .dtL .oC ecnarusnI efiL CBSH aranaC

40.841

71.76

07.07

22.53

56.11 -

96.56

59.13 dtL ecnarusnI efiL sseccatiderC

45.782

73.003

79.39

39.78

20.6

55.781

24.602 .dtL .oC ecnarusnI efiL ssiewledE

24.990,1

16.080,1

78.685

12.355

73.742

48.562

81.562

75.162 .dtL .oC ecnarusnI efiL aidnI ilareneG erutuF

68.933

66.711

33.771

14.05

10.5 -

25.751

52.76 .dtL ecnarusnI efiL tigiD oG

15.482,95

27.761,45

59.380,21

66.493,01

84.778,91

36.513,61

70.323,72

34.754,72 .dtL .oC ecnarusnI efiL CFDH

23.131,42

29.048,91

93.454,7

37.262,5

42.709,3

38.838,2

96.967,21

63.937,11 .dtL .oC ecnarusnI efiL laitnedurP ICICI

25.046,6

77.299,5

96.257,1

88.407,1

08.243,2

85.712,2

20.545,2

13.070,2 .dtL .oC ecnarusnI efiL tsriFaidnI

48.702,6

08.305,4

60.112,1

62.487

23.020,1

07.617

64.679,3

48.200,3 .dtL .oC ecnarusnI efiL ardnihaM katoK

55.654,9

23.522,7

75.464,1

56.437,1

97.050,3

09.226,2

81.149,4

87.768,2 .dtL ecnarusnI efiL xaM sixA

69.851,4

61.087,2

18.062,1

60.945

34.178

45.645

37.620,2

65.486,1 .dtL .oC ecnarusnI aidnI efiLteM BNP

22.232,2

34.809,1

35.770,1

51.439

14.863

46.691

72.687

46.777 .dtL ecnarusnI efiL aciremarP

22.625

61.393

61.101

78.25

29.581

56.841

51.932

46.191 .dtL .oC ecnarusnI efiL noppiN ecnaileR

92.059,17

78.483,86

92.517,12

11.136,71

24.961,81

58.636,71

85.560,23

19.611,33 .dtL .oC ecnarusnI efiL IBS

99.352,1

22.520,1

40.915

88.314

53.124

62.853

06.313

80.352 .dtL .oC ecnarusnI efiL marirhS

86.325,8

70.748,6

10.924,3

47.542,2

39.317,2

64.714,2

57.083,2

88.381,2 .dtL .oC ecnarusnI efiL ihci-iaD noinU ratS

25.428,5

24.165,4

45.388

90.367

59.9

45.94

30.139,4

08.847,3 .dtL .oC ecnarusnI efiL AIA ataT

03.065,24,2

90.423,51,2

43.169,27

49.145,85

67.795,95

10.677,25

91.100,01,1

51.600,40,1 LATOT ETAVIRP

27.309,76,31

21.520,95,21

53.218,37,2

21.370,73,2

27.209,82,5

23.925,59,4

56.881,56,5

86.224,62,5 aidnI fo noitaroproC ecnarusnI efiL

20.464,01,61

12.943,47,41

96.377,64,3

60.516,59,2

84.005,88,5

33.503,84,5

48.981,57,6

38.824,03,6 LATOT YRTSUDNI

91.271

52.951 - - - - - .dtL ecnarusnI efiL okcA

25.134,99

40.367,58

49.368,73

56.500,63

70.585,2

84.716,2

78.872,53

71.883,33 .dtL .oC ecnarusnI efiL nuS alriB aytidA

28.935,81

98.199,61

97.501,5

15.928,4

25.303

96.442

72.208,4

28.485,4 .dtL .oC ecnarusnI efiL laredeF saegA

10.637,41

65.248,31

53.990,4

21.440,4

62.311

57.992

90.689,3

73.447,3 .dtL aidnI .oC ecnarusnI efiL avivA

10.095,32,1

24.008,70,1

68.822,74

90.486,34

37.084,2

69.968,3

31.847,44

31.418,93 .dtL .oC ecnarusnI efiL znaillA jajaB

97.067,4

66.424,4

14.399

60.950,1

67.24

27.17

66.059

33.789 .dtL ecnarusnI efiL nahdnaB

41.840,71

74.203,51

13.323,2

46.542,2

00.532

97.651

13.880,2

58.880,2 .dtL .oC ecnarusnI efiL AXA itrahB

71.521,14

33.313,73

32.841,71

95.719,51

86.146

64.603,1

55.605,61

31.116,41 .dtL .oC ecnarusnI efiL CBSH aranaC

39.333

24.612 - - - - - dtL ecnarusnI efiL sseccatiderC

59.873,9

68.919,7

28.551,2

26.001,2

02.952

31.022

26.698,1

94.088,1 .dtL .oC ecnarusnI efiL ssiewledE

67.628,8

20.779,7

92.077

83.937

21.15

97.59

71.917

95.346 .dtL .oC ecnarusnI efiL aidnI ilareneG erutuF

77.176,1

39.893 - - - - - .dtL ecnarusnI efiL tigiD oG

76.704,13,3

36.631,78,2

41.826,10,1

26.145,59

99.852,7

52.159,8

51.963,49

73.095,68 .dtL .oC ecnarusnI efiL CFDH

79.571,30,3

92.028,68,2

09.932,16,1

93.248,46,1

16.347,21

12.908,62

03.694,84,1

81.330,83,1 .dtL .oC ecnarusnI efiL laitnedurP ICICI

87.105,03

28.556,62

76.828,9

19.125,9

00.247

76.298

66.680,9

42.926,8 .dtL .oC ecnarusnI efiL tsriFaidnI

97.799,09

32.722,97

79.728,03

28.586,82

32.458,1

24.339,2

47.379,82

04.257,52 .dtL .oC ecnarusnI efiL ardnihaM katoK

49.366,17,1

08.724,74,1

60.867,74

72.971,44

47.154,3

88.130,4

23.613,44

93.741,04 .dtL ecnarusnI efiL xaM sixA

96.000,45

60.024,74

44.811,21

75.397,01

40.635

44.934

14.285,11

31.453,01 .dtL .oC ecnarusnI aidnI efiLteM BNP

51.706,9

14.224,8

86.673

26.753

97.92

16.32

98.643

00.433 .dtL ecnarusnI efiL aciremarP

84.505,83

16.440,53

90.156,7

88.270,8

31.392

05.496

69.753,7

83.873,7 .dtL .oC ecnarusnI efiL noppiN ecnaileR

05.078,44,4

99.490,58,3

76.536,74,2

72.010,61,2

23.925,01

94.939,51

53.601,73,2

87.070,00,2 .dtL .oC ecnarusnI efiL IBS

50.421,31

18.711,11

58.816

15.025

64.6

50.92

93.216

64.194 .dtL .oC ecnarusnI efiL marirhS

30.149,92

55.399,32

94.463,4

05.345,3

05.551

65.531

99.802,4

49.704,3 .dtL .oC ecnarusnI efiL ihci-iaD noinU ratS

01.003,12,1

38.897,69

62.545,93

36.289,23

48.719,4

18.331,5

24.726,43

28.848,72 .dtL .oC ecnarusnI efiL AIA ataT

12.117,87,91

78.962,33,71

12.292,18,7

56.776,52,7

89.032,94

86.698,47

32.160,23,7

79.087,05,6 LATOT ETAVIRP

53.949,99,74

36.975,32,44

56.554,74

27.930,53

73.56

67.306

92.093,74

69.534,43 aidnI fo noitaroproC ecnarusnI efiL

65.066,87,76

05.948,65,16

78.747,82,8

73.717,06,7

53.692,94

44.005,57

25.154,97,7

39.612,58,6 LATOT YRTSUDNI

3202.60.20 detad redrO sti ediv IADRI yb )efiL IBS( .dtL ynapmoC ecnarusnI efiL IBS ot derrefsnart si )CILIS( .dtL ynapmoC ecnarusnI efiL aidnI arahaS fo ssenisub ecnarusni efiL * .CILIS ot gniniatrep noitamrofni/ atad edulcni ton seod 52-4202 dna 42-3202 sYF eht rof noitamrofni/ atad evoba eht dnaSTATEMENTS Annual Report 2024-25 151 71 tnemetatS SRERUSNIER & SRERUSNI DEZILAICEPS ,HTLAEH,LARENEG FO TNEMEGANAM REDNU STESSA )hcraM ts13 no sA( )erorC ni `( latoT rehtO devorppA erutcurtsarfnI snaoL & gnisuoH tnemnrevoG etatS lartneC rerusnI .IS stnemtsevnI stnemtsevnI stnemtsevnI stnemtsevnI tnemnrevoG etatS ot rehtO & tnemnrevoG oN EFF dna gnisuoH rof seitiruceS devorppA seitiruceS 5202 4202 5202 4202 5202 4202 5202 4202 5202 4202 5202 4202 5202 4202 1692 7632 5 0 2331 5601 702 791 763 742 111 621 939 237 .dtL ecnarusnI lareneG okcA 1 34213 63592 732 632 0159 6126 9894 0423 2012 9151 9403 3853 65311 34741 .dtL .oC.snI lareneG znaillA jajaB 2 15281 10561 281 121 2434 2472 2644 0652 3931 759 7762 0283 5915 1036 lareneG SM maladnamalohC 3 2997 2057 86 52 7181 6541 4531 5341 379 327 6481 7991 3391 6681 .dtL.oC .snI aidnI ilareneG erutuF 4 61291 53251 803 471 1495 5513 2592 6891 9403 0001 844 913 8156 1068 .dtL .snI lareneG tigiD oG 5 53372 66452 27 95 6046 8916 5706 6635 3582 3491 3345 0965 7946 0126 .dtL.oC .snI lareneG OGRE CFDH 6 23825 73974 9891 7171 48012 34361 2378 8707 3423 1862 2036 9856 28411 92531 .dtL.oC .snI lareneG drabmoL ICICI 7 26071 87571 7 2 4483 2304 2412 3042 3081 2081 0543 4153 7185 5285 .dtL.oC .snI lareneG oikoT OCFFI 8 435 204 5 0 291 571 76 56 54 51 13 32 491 421 .dtL ecnarusnI lareneG amehsK 9 6154 9304 5 0 6821 8301 719 108 984 033 408 929 6101 249 .dtL ecnarusnI lareneG ytrebiL 01 6697 8007 001 09 8291 1671 0571 5141 235 684 0531 9101 6032 8322 .dtL ecnarusnI lareneG amgaM 11 125 125 37 53 56 73 331 101 52 52 75 01 861 213 .dtL ecnarusnI lareneG IVAN 21 979 388 5 0 792 013 681 102 031 55 0 0 163 713 .dtL.oC ecnarusnI lareneG EBQ ajehaR 31 15312 73402 134 714 2347 4506 9672 5332 3612 9302 5663 6863 1984 6095 .dtL.oC ecnarusnI lareneG ecnaileR 41 3388 4748 695 325 4322 7012 0501 3501 4001 157 299 8621 8592 1772 .dtL.oC.snI lareneG maradnuS layoR 51 81712 42671 898 895 7407 4296 3474 1592 4221 6111 5742 0522 1335 5873 .dtL .oC ecnarusnI lareneG IBS 61 53921 89911 31 881 8664 5943 8732 9562 7791 9981 03 75 9683 0073 .dtL .oC ecnarusnI lareneG marirhS 71 50613 45862 4781 2841 88441 5899 2983 2273 8501 4801 5673 9054 0356 3706 .dtL .oC ecnarusnI lareneG GIA ATAT 81 2035 9064 251 06 1271 8251 1001 578 385 125 634 344 9041 1811 .dtL .oC ecnarusnI lareneG opmoS lasrevinU 91 7331 8901 601 06 974 454 351 111 951 721 94 13 193 513 .dtL .oC ecnarusnI lareneG onuZ 02 2704 5922 93 51 2311 025 127 113 797 052 914 59 469 5011 .dtL )aidnI( .oC.snI.neG katoK hciruZ 12 165892 663862 4617 2085 44279 59557 37605 56804 76952 07591 88373 95993 52108 57568 LATOT ROTCES ETAVIRP 25392 11972 362 516 90221 17801 4192 0152 0512 5122 5045 7665 1146 3306 .dtL .oC ecnarusnI lanoitaN 22 88246 34706 574 468 54781 66861 1669 5047 9882 7963 71961 49181 00651 81731 .dtL.oC ecnarussA aidnI weN ehT 32 60022 11512 853 475 5875 3525 7912 3902 0741 6221 6647 9177 0374 6464 .dtL.oC ecnarusnI latneirO ehT 42 54533 02623 728 3011 35001 0098 3814 0293 4771 4291 4258 4848 4818 9828 .dtL.oC ecnarusnI aidnI detinU 52 291941 587241 4291 6513 29764 09814 55981 82951 3828 3609 11383 46004 62943 68623 LATOT ROTCES CILBUP 42-3202YF ni snoitarepo detratS *STATEMENTS 152 Annual Report 2024-25 71 tnemetatS ...dtnoC SRERUSNIER & SRERUSNI DEZILAICEPS ,HTLAEH,LARENEG FO TNEMEGANAM REDNU STESSA )hcraM ts13 no sA( )erorC ni `( latoT rehtO devorppA erutcurtsarfnI snaoL & gnisuoH tnemnrevoG etatS lartneC .IS stnemtsevnI stnemtsevnI stnemtsevnI stnemtsevnI tnemnrevoG etatS ot rehtO & tnemnrevoG rerusnI oN EFF dna gnisuoH rof seitiruceS devorppA seitiruceS 5202 4202 5202 4202 5202 4202 5202 4202 5202 4202 5202 4202 5202 4202 2044 7033 03 0 9421 719 933 451 304 051 9311 489 2421 3011 .dtL .oC ecnarusnI htlaeH alriB aytidA 62 8538 5066 7 01 8471 2081 4403 5191 425 104 058 435 5812 3491 .dtL ecnarusnI htlaeH eraC 72 922 AN 5 AN 72 AN 02 AN 72 AN 5 AN 541 AN *.dtL ecnarusnI deillA & htlaeH yxalaG 82 3402 5961 5 3 485 044 824 853 612 601 663 314 544 773 .dtL.oC ecnarusnI htlaeH angiClapinaM 92 28 AN 5 AN 71 AN 0 AN 0 AN 51 AN 54 AN *.dtL ecnarusnI htlaeH anayaraN 03 8718 7545 512 991 4722 4251 1822 7941 139 894 628 706 0561 2311 .dtL.oC ecnarusnI htlaeH apuB aviN 13 06871 78351 649 587 0417 2616 1561 9281 5181 6641 7991 3651 2134 2853 .dtL.oC ecnarusnI deillA & htlaeH ratS 23 35114 25423 3121 699 93031 54801 2677 2575 5193 1262 9915 1014 52001 7318 ENOLADNATS 337601 99269 8601 4432 00092 21942 07031 70511 5657 9936 92313 13182 10742 60032 noitaroproC ecnarusnI lareneG 33 337601 99269 8601 4432 00092 21942 07031 70511 5657 9936 92313 13182 10742 60032 LATOT ECNARUSNIER 83181 46351 22 27 7156 7814 179 879 4722 6102 2393 0904 3244 1204 aidnI fo.oC ecnarusnI erutlucirgA 43 92271 43161 53 741 1694 8544 7303 9613 1001 2201 1954 5293 3063 3143 .dtL CGCE 53 76353 89413 75 912 87411 4468 8004 6414 5723 8303 3258 5108 6208 5347 LATOT SRERUSNI DEZILAICEPS 917 694 0 0 08 08 501 57 55 52 991 021 082 691 labolG znaillA 63 0711 0111 0 0 0 0 701 801 97 001 52 62 959 678 ecnarF AXA 73 962 812 0 0 0 0 53 63 61 61 0 0 812 761 lautuM yrotcaF 83 9971 1541 0 53 53 572 912 08 57 0 67 9041 6401 ecnarusnieR lareneG 93 2843 8413 0 0 787 046 885 335 013 471 66 51 1371 5871 ES kcüR revonnaH 04 85701 0559 0 0 0 0 4882 9172 834 962 0 0 7347 2656 hcnarB aidnI renehcnüM 14 3804 3583 0 95 467 406 0 0 0 0 8133 9813 AGR 24 2392 1072 0 0 0 0 513 413 002 591 0 0 8142 2912 hcnarB aidnI - ES ROCS 34 6897 6556 0 0 1411 158 916 346 0 0 6226 1605 hcnarB aidnI ssiwS 44 056 926 0 0 17 17 55 07 0 0 425 784 ecnarusnI LX 54 94833 11792 0 0 209 418 5826 1355 2581 8651 192 832 91542 16512 LATOT S'BRF 658466 111106 62411 71521 554891 007261 457001 92738 85805 85224 140121 805021 223281 993971 YRTSUDNI EFIL-NON 42-3202YF ni snoitarepo detratS *STATEMENTS Annual Report 2024-25 153 81 tnemetatS 52-4202 YF ROF ESIW-TNEMGES :DEDEC MUIMERP ECNARUSNIER )erorC ni `( nettirW ssorG ecnarusnieR latoT muimerP ecnarusnieR ecnarusnieR ecnarusnieR ecnarusnieR ecnarusnieR ssenisuB fo eniL muimerP dedec ssensub sOII dna SRBC ot dedec muimerP ot dedec muimerp ot dedec muimerP ot dedec muimerP )aidnI edistuo( ) aidnI nihtiw( srerusni naidnI sBRF srerusnieR naidnI 7 5+4=6 5 3+2+1=4 3 2 1 srerusnI efiL 059,71 547,2 744 892,2 0 219,1 683 )noitcetorP eruP( laudividnI 943,52,6 809 172 736 2 115 521 )noitcetorP eruP naht rehtO( laudividnI 539 802 601 201 - 79 6 )levarT & tnediccA lanosreP gnidulcni( htlaeH laudividnI 187,24 830,6 141,3 798,2 302 956,1 530,1 )noitcetorP eruP( puorG 899,89,1 0 0 0 - 0 0 )noitcetorP eruP naht rehtO( puorG 6 0 0 0 - 0 - )levarT & tnediccA lanosreP gnidulcni( htlaeH puorG 910,68,8 998,9 569,3 439,5 502 871,4 155,1 latoT srerusnI lareneG 927,82 358,81 682,7 765,11 410,1 924,4 521,6 )ygrenE & liO gnidulcxE( eriF 884,1 460,1 456 014 49 17 542 lluH eniraM 391,4 152,1 427 825 05 121 653 ograC eniraM 474,6 112,4 843,1 368,2 212 743,1 403,1 gnireenignE 663,1 250,1 935 215 063 86 38 noitaivA 303,24 267,9 553,1 704,8 57 479,5 853,2 )egamaD nwO(rotoM 330,95 045,5 818 227,4 231 056,1 939,2 )ytraP drihT(rotoM 603,38 727,21 747,3 089,8 809,1 015,2 265,4 )levarT & AP gnidulcxE( htlaeH 157,7 335,2 761,1 663,1 54 197 035 tnediccA lanosreP 461,1 912 161 85 - 01 94 levarT 974,13 485,61 397,7 197,8 193,1 777,3 426,3 ecnarusnI porC 737 875 314 561 0 07 59 tiderC edarT 811 901 28 62 41 5 7 ygrenE & liO 130,4 121,2 239 091,1 531 275 284 ytilibaiL 118,9 809,3 469,1 449,1 75 708 180,1 suoenallecsiM 28 41 9 5 - 2 3 )deificeps eb ot( rehto ynA 560,28,2 625,08 199,82 535,15 094,5 302,22 348,32 latoT srerusnI htlaeH enoladnatS 176,73 385,5 022 263,5 325 375 662,4 )levarT & AP gnidulcxE( htlaeH 609 622 19 531 2 24 19 tnediccA lanosreP 891 14 1 04 - 7 33 levarT 577,83 058,5 213 835,5 525 226 093,4 latoT .loop citsemod ot dedec muimerp edulcni ton seod atad

evoba eht :etoNAnnexuresAnnexure 1 LIST OF REGISTERED INSURERS/REINSURERS OPERATING IN INDIA (AS ON 31st MARCH 2025) LIFE INSURERS NON-LIFE INSURERS PUBLIC SECTOR PUBLIC SECTOR 1 Life Insurance Corporation of India 1 National Insurance Co. Ltd.

2 The New India Assurance Co. Ltd.

3 United India Insurance Co. Ltd.

PRIVATE SECTOR 4 The Oriental Insurance Co. Ltd.

1 Acko Life Insurance Ltd.

PRIVATE SECTOR 2 Aditya Birla Sun Life Insurance Co. Ltd 1 Acko General Insurance Ltd.

3 Ageas Federal Life Insurance Co. Ltd 2 Bajaj Allianz General Insurance Co. Ltd.

4 Aviva Life Insurance Co. India Ltd 3 Cholamandalam MS General Insurance Co. Ltd.

5 Axis Max Life Insurance Ltd. 4 Future Generali India Insurance Co. Ltd.

5 Go Digit General Insurance Ltd.

6 Bajaj Allianz Life Insurance Co. Ltd.

6 HDFC ERGO General Insurance Co. Ltd.

7 Bandhan Life Insurance Ltd.

7 ICICI Lombard General Insurance Co. Ltd.

8 Bharti AXA Life Insurance Co. Ltd. 8 IFFCO Tokio General Insurance Co. Ltd.

9 Canara HSBC Life Insurance Co. Ltd. 9 Kshema General Insurance Ltd.

10 Liberty General Insurance Ltd.

10 CreditAccess Life Insurance Ltd.

11 Magma General Insurance Ltd.

11 Edelweiss Life Insurance Co. Ltd. (erstwhile Magma HDI General Insurance Co. Ltd.) 12 Future Generali India Life Insurance Co. Ltd. 12 NAVI General Insurance Ltd (Erstwhile DHFL) 13 Go Digit Life Insurance Ltd. 13 Raheja QBE General Insurance Co. Ltd.

14 Reliance General Insurance Co. Ltd.

14 HDFC Life Insurance Co. Ltd.

15 Royal Sundaram General Insurance Co. Ltd 15 ICICI Prudential Life Insurance Co. Ltd.

16 SBI General insurance Co. Ltd.

16 IndiaFirst Life Insurance Co. Ltd. 17 Shriram General Insurance Co. Ltd.

17 Kotak Mahindra Life Insurance Co. Ltd. 18 TATA AIG General Insurance Co. Ltd.

19 Universal Sompo General Insurance Co. Ltd.

18 PNB MetLife India Insurance Co. Ltd.

20 Zuno General Insurance Co. Ltd.

19 Pramerica Life Insurance Ltd. (erstwhile Edelweiss General Insurance Co. Ltd.) 20 Reliance Nippon Life Insurance Co. Ltd. 21 Zurich Kotak General Insurance Co. (India) Ltd.

21 Sahara India Life Insurance Co. Ltd. (erstwhile Kotak Mahindra General Ins. Co. Ltd.) 22 SBI Life Insurance Co. Ltd. SPECIALISED INSURERS (PUBLIC SECTOR) 23 Shriram Life Insurance Co. Ltd. 1 ECGC Ltd.

2 Agriculture Insurance Company of India Ltd.

24 Star Union Dai-ichi Life Insurance Co. Ltd.

25 Tata AIA Life Insurance Co. Ltd. Stand-alone Health Insurers (PRIVATE SECTOR) 1 Aditya Birla Health Insurance Co. Ltd.

2 Care Health Insurance Ltd.

3 Galaxy Health and Allied Insurance Co. Ltd.

4 Manipal Cigna Health Insurance Co. Ltd.

5 Narayana Health Insurance Ltd.

6 Niva Bupa Health Insurance Co. Ltd.

7 Reliance Health Insurance Ltd.$ 8 Star Health & Allied Insurance Co. Ltd. “Life insurance business of Sahara India Life Insurance Company Ltd (SILIC) is transferred to SBI Life Insurance Company Ltd (SBI Life) by IRDAI vide its Order dt. 2.6.2023" $ The Authority vide order ref. No. IRDA/F&A/ORD/SOLP/200/11/2019 dated November 06, 2019 issued directions to the Reliance Health Insurance Ltd. to stop selling new policies.

Annual Report 2024-25 157ANNEXURES Contd.... Annexure 1 LIST OF REGISTERED INSURERS/REINSURERS OPERATING IN INDIA (As on 31st March 2025) Reinsurers Public Sector Private Sector 1 General Insurance Corporation of India 1 Valueattics Reinsurance Limited Branches of Foreign Reinsurers 1 Allianz Global Corporate & Speciality SE, India Branch 2 AXA France Vie - India Reinsurance Branch 3 Factory Mutual Insurance Company, India Branch 4 General Reinsurance AG - India Branch 5 Hannover Rück SE – India Branch 6 Münchener Rückversicherungs-Gesellschaft Aktiengesellschaft - India Branch 7 RGA Reinsurance Company, India Branch (formerly known as RGA Life Reinsurance Company of Canada, India Branch) 8 SCOR SE - India Branch 9 Swiss Reinsurance Company Ltd, India Branch 10 XL Insurance Company SE, India Reinsurance Branch Lloyd's India Service Companies of Lloyd's 11 Markel Services India Private Limited 12 Volante Global Services India Pvt.Ltd-lloyd's India 158 Annual Report 2024-25ANNEXURES Annexure 2(i) MEMBERS’ SHARE IN INDIAN MARKET TERRORISM RISK INSURANCE POOL (`Crore) 2023-24 2024-25 S.No Member Company Per risk Share Per risk Share Capacity (in %) Capacity (in %) 1 Bajaj Allianz General Insurance Co. Ltd. 106.28 5.31 106.28 5.31 2 Cholamandalam General Insurance Co. Ltd. 39.06 1.95 39.06 1.95 3 Future Generali General Insurance Co. Ltd. 28.16 1.41 28.16 1.41 4 General Insurance Corporation of India 333.69 16.68 333.69 16.68 5 Go Digit General Insurance Ltd. 10 0.50 10 0.50 6 Govt. Insurance Fund, Gujarat 20 1.00 20 1.00 7 HDFC Ergo General Insurance Co. Ltd. 15 0.75 15 0.75 8 ICICI Lombard General Insurance Co. Ltd. 180.84 9.04 180.84 9.04 9 IFFCO-Tokio General Insurance Co. Ltd. 78.64 3.93 78.64 3.93 10 Liberty General Insurance Ltd. 20.81 1.04 20.81 1.04 11 Magma General Insurance Ltd. 10.32 0.52 10.32 0.52 12 National Insurance Co. Ltd. 167.62 8.38 167.62 8.38 13 Navi General Insurance Ltd. 2 0.10 2 0.10 14 Raheja QBE General Insurance Co. Ltd. 1 0.05 1 0.05 15 Reliance General Insurance Co. Ltd. 39.72 1.99 39.72 1.99 16 Royal Sundaram Insurance Co. Ltd. 27.72 1.39 27.72 1.39 17 SBI General Insurance Co. Ltd. 15.62 0.78 15.62 0.78 18 Shriram General Insurance Co. Ltd. 20 1.00 20 1.00 19 Tata-AIG General Insurance Co. Ltd. 31.46 1.57 31.46 1.57 20 The New India Assurance Co. Ltd. 333.69 16.68 333.69 16.68 21 The Oriental Insurance Co. Ltd. 238.31 11.92 238.31 11.92 22 United India Insurance Co. Ltd. 250.05 12.50 250.05 12.50 23 Universal Sompo General Insurance Co. Ltd. 10 0.50 10 0.50 24 Zuno General Insurance Co. Ltd 10 0.50 10 0.50 25 Zurich Kotak General Insurance Co. (India) Ltd. 10 0.50 10 0.50 Total 2000 100.00 2000 100.00 Annual Report 2024-25 159ANNEXURES Annexure 2(ii) MEMBERS’ SHARE IN INDIAN NUCLEAR INSURANCE POOL (`Crore) 2023-24 2024-25 S.No Member Company Per risk Share Per risk Share Capacity (in %) Capacity (in %) 1 Cholamandalam General Insurance Co. Ltd 15 1.00 15 1.00 2 General Insurance Corporation of India 600 40.00 600 40.00 3 ICICI Lombard General Insurance Co. Ltd 100 6.67 100 6.67 4 IFFCO Tokio General Insurance Co. Ltd 20 1.33 20 1.33 5 National Insurance Co. Ltd 100 6.67 100 6.67 6 New India Assurance Co. Ltd 300 20.00 300 20.00 7 Oriental Insurance Co. Ltd 100 6.67 100 6.67 8 Reliance General Insurance Co. Ltd. 20 1.33 20 1.33 9 SBI General Insurance Co. Ltd. 15 1.00 15 1.00 10 Tata AIG General Insurance Co. Ltd. 20 1.33 20 1.33 11 United India Insurance Co. Ltd 200 13.33 200 13.33 12 Universal Sompo General Insurance Co. Ltd 10 0.67 10 0.67 Total 1500 100.00 1500 100.00 160 Annual Report 2024-25ANNEXURES Annexure 2(iii) MEMBERS’ SHARE IN MARINE CARGO EXCLUDED TERRITORIES POOL (Amount in `Crore) 2023-24 2024-25 Sl No Member Company Per risk Share Per risk Share Capacity (in %) Capacity (in %) 1 General Insurance Corporation of India 250 52.21 250 52.21 2 National Insurance Co. Ltd. 30 6.27 30 6.27 3 New India Assurance Co. Ltd. 40 8.35 40 8.35 4 Oriental Insurance Co. Ltd. 30 6.27 30 6.27 5 United India Insurance Co. Ltd. 20 4.18 20 4.18 6 Bajaj Allianz General Insurance Co. Ltd. 2.5 0.52 2.5 0.52 7 Cholamandalam General Insurance Co. Ltd. 1 0.21 1 0.21 8 Zuno General Insurance Co. Ltd 0.3 0.06 0.3 0.06 9 Go Digit General Insurance Ltd. 5 1.04 5 1.04 10 HDFC Ergo General Insurance Co. Ltd. 6 1.25 6 1.25 11 ICICI Lombard General Insurance Co. Ltd. 30 6.27 30 6.27 12 IFFCO Tokio General Insurance Co. Ltd. 8 1.67 8 1.67 13 Zurich Kotak General Insurance Co. (India) Ltd. 1 0.21 1 0.21 14 Magma General Insurance Ltd. 5 1.04 5 1.04 15 Reliance General Insurance Ltd. 8 1.67 8 1.67 16 Royal Sundaram Insurance Co. Ltd. 4 0.84 4 0.84 17 SBI General Insurance Co. Ltd. 5 1.04 5 1.04 18 Shriram General Insurance Co. Ltd. 1 0.21 1 0.21 19 Tata AIG General Insurance Co. Ltd. 30 6.27 30 6.27 20 Universal Sompo General Insurance Co. Ltd. 2 0.42 2 0.42 Grand Total 478.8 100.00 478.8 100.00 Annual Report 2024-25 161ANNEXURES Annexure 3 MOTOR THIRD PARTY INSURANCE MARKET SHARE OF GENERAL INSURERS IN THE FY 2024-25 FOR THE DETERMINATION OF MTP OBLIGATIONS FOR FY 2025-26 Sl. GDP Market Obligatory Min % No. Insurer (in `````Cr) share increase in GCV, (%) PCV and Tractors

1. Acko General Insurance Ltd. 621 1.05 12.50

2. Bajaj Allianz General Insurance Co. Ltd. 3,268 5.54 7.50

3. Chola MS General Insurance Co. Ltd. 3,111 5.28 7.50

4. Future Generalli General Insurance Co. Ltd. 1,028 1.74 12.50

5. Go Digit General Insurance Ltd. 3,631 6.16 7.50

6. HDFC Ergo General Insurance Co. Ltd. 1,148 1.95 12.50

7. ICICI Lombard General Insurance Co. Ltd. 5,282 8.96 7.50

8. IFFCO Tokio General Insurance Co. Ltd. 2,106 3.57 10.00

9. Kshema General Insurance Ltd. 0 0.00 12.50

10. Liberty General Insurance Ltd. 707 1.20 12.50

11. Magma General Insurance Ltd. 1,561 2.65 10.00

12. NAVI General Insurance Ltd. 9 0.02 12.50

13. Raheja QBE General Insurance Co. Ltd. 155 0.26 12.50

14. Reliance General Insurance Co. Ltd. 2,618 4.44 10.00

15. Royal Sundaram General Insurance Co. Ltd. 1,675 2.84 10.00

16. SBI General Insurance Co. Ltd. 2,647 4.49 10.00

17. Shriram General Insurance Co. Ltd. 2,684 4.55 10.00

18. Tata AIG General Insurance Co. Ltd. 5,012 8.50 7.50

19. Universal Sompo General Insurance Co. Ltd. 1,249 2.12 10.00

20. Zuno General Insurance Co. Ltd. 270 0.46 12.50

21. Zurich Kotak General Insurance Co. (India) Ltd. 631 1.07 12.50

22. National Insurance Co. Ltd. 3,749 6.36 7.50

23. The New India Assurance Co. Ltd. 6,652 11.28 5.00

24. The Oriental Insurance Co. Ltd. 3,157 5.35 7.50

25. United India Insurance Co. Ltd. 5,984 10.15 5.00 Grand total 58,958 100

NOTE:

Motor Third Party Insurance Market Share Minimum percentage increase in number of general insurer in the last financial year of Good Carrying, Passenger carrying Vehicles and Tractors (Miscellaneous segment) over last financial year.

Upto 2% 12.50% 2% - 5% 10% 5% - 10% 7.50% More than 10% 5% Every insurer shall underwrite a minimum of 5000 goods carrying vehicles, 5000 passenger carrying vehicles and 1,000 tractors (miscellaneous segments) in the first financial year following notification of Regulations 162 Annual Report 2024-25ANNEXURES Annexure 4 CIRCULARS/ORDERS/GUIDELINES/INSTRUCTIONS ISSUED FROM 01st APRIL 2024 TO 31st MARCH 2025 Sl No Reference No. Department Date Notification Type Subject 1 IRDAI/PP&GR/ORD/CMT/67/4/2024 POLICYHOLDERS' 10-Apr-24 ORDER Re-Constitution of Advisory Committee PROTECTION AND on Insurance Ombudsman GRIEVANCE REDRESSAL 2 IRDAI/F&I/CIR/MISC/78/5/2024 FINANCE AND 15-May-24 CIRCULAR Master Circular on Registration, Capital INVESTMENT Structure, Transfer of Shares and Amalgamation of Insurer, 2024 3 IRDAI/F&I/CIR/EOM/79/5/2024 FINANCE AND 15-May-24 CIRCULAR Master Circular on EoM, including INVESTMENT Commission of Insurers, 2024 4 IRDAI/ACTL/CIR/MISC/80/5/2024 ACTUARIAL 17-May-24 CIRCULAR Master Circular on Actuarial, Finance and Investment Functions of Insurers 5 IRDAI/F&I/CIR/MISC/82/5/2024 FINANCE AND 22-May-24 CIRCULAR Master Circular on Corporate Governance INVESTMENT for Insurers, 2024 6 IRDAI/PP&GR/CIR/MISC/83/5/2024 POLICYHOLDERS' 28-May-24 CIRCULAR Unsolicited Commercial Communication PROTECTION AND (UCC) through telecom resources - GRIEVANCE REDRESSAL TRAI's Guidelines 7 IRDAI/HLT/CIR/PRO/84/5/2024 HEALTH 29-May-24 CIRCULAR Master Circular on IRDAI (Insurance Products) Regulations 2024- Health Insurance 8 IRDAI/REIN/MSTCIR/MISC/87/5/2024 REINSURANCE 31-May-24 MASTER CIRCULAR Master Circular on Reinsurance, 2024 9 IRDAI/NL/CIR/MISC/88/6/2024 NON-LIFE 4-Jun-24 CIRCULAR Insurance claims relating to cyclone Remal and subsequent heavy rains/floods 10 IRDAI/ACTL/MSTCIR/MISC/89/6/2024 ACTUARIAL 7-Jun-24 MASTER CIRCULAR Master Circular on Life Insurance Product 11 IRDAI/NL/MSTCIR/MISC/90/6/2024 NON-LIFE 11-Jun-24 MASTER CIRCULAR Master Circular on IRDAI (Insurance Products Regulations) 2024, General 12 IRDAI/NL/MSTCIR/RT/93/6/2024 NON-LIFE 14-Jun-24 MASTER CIRCULAR Master Circular on Submission of Returns 13 IRDAI/PP&GR/CIR/MISC/97/6/2024 POLICYHOLDERS' 18-Jun-24 CIRCULAR Master Circular on Operations and PROTECTION AND Allied Matters GRIEVANCE REDRESSAL 14 IRDAI/INT/CIR/MISC/104/7/2024 INTERMEDEIARIES 18-Jul-24 CIRCULAR Repealing of Circular IRDA/INT/CIR/ Comm/139/08/2018 dated 29/08/2018 15 IRDAI/NL/CIR/MISC/108/8/2024 NON-LIFE 3-Aug-24 CIRCULAR Insurance claims relating to landslides in Wayanad, Kerala 16 IRDAI/LIFE/CIR/MISC/109/8/2024 LIFE 6-Aug-24 CIRCULAR Data submission by Life Insurance Companies to Insurance Information Bureau 17 IRDAI/IID/CIR/MISC/112/8/2024 INSURANCE INCLUSION 12-Aug-24 CIRCULAR Prevention of Money Laundering AND DEVELOPMENT Amendment Rules 2024 18 IRDAI/PP&GR/CIR/MISC/117/9/2024 POLICYHOLDERS’ 4-Sep-24 CIRCULAR Master Circular on Protection of PROTECTION AND Interests of Policyholders GRIEVANCE REDRESSAL Annual Report 2024-25 163ANNEXURES Cont... Annexure 4 CIRCULARS/ORDERS/GUIDELINES/INSTRUCTIONS ISSUED FROM 01st APRIL 2024 TO 31st MARCH 2025 Sl No Reference No. Department Date Notification Type Subject 19 IRDAI/F&I/CIR/MISC/119/9/2024 FINANCE AND 6-Sep-24 CIRCULAR Subscribers to the other forms of capital INVESTMENT 20 IRDAI/INT/ORD/MISC/19/1/2025 INTERMEDEIARIES 15-Jan-25 ORDER Appointment of Election Officer to conduct 14th Council Elections of IIISLA 21 IRDAI/GA&HR/GDL/MISC/33/2/2025 GENERAL 5-Feb-25 GUIDELINES Reconstitution of Inter-Disciplinary ADMINISTRATION Standing Committee on Cyber Security AND HR 22 IRDAI/HLT/CIR/MISC/27/1/2025 HEALTH 30-Jan-25 CIRCULAR Review of Revision in premium rates under health insurance policies for Senior Citizens 23 IRDAI/PP&GR/CIR/MISC/37/2/2025 POLICYHOLDERS’ 18-Feb-25 CIRCULAR One-time Mandate for blocking the PROTECTION AND amount towards premium through GRIEVANCE REDRESSAL Unified Payments Interface (UPI mandate) for issuance of life and health insurance policies- Bima-ASBA 24 IRDAI/F&I/GDL/INV/41/2/2025 FINANCE AND 27-Feb-25 GUIDELINES Guidelines on Hedging Through INVESTMENT Equity Derivatives 25 IRDAI/F&I/CIR/INV/43/3/2025 FINANCE AND 10-Mar-25 CIRCULAR Exposure to Bond Forward INVESTMENT 26 IRDAI/PP&GR/CIR/MISC/45/3/2025 POLICYHOLDERS' 12-Mar-25 CIRCULAR Servicing to the policyholders – Special PROTECTION AND Measure for the current Financial GRIEVANCE REDRESSAL Year 2024-25 27 IRDAI/GA&HR/CIR/MISC/49/3/2025 GENERAL 24-Mar-25 CIRCULAR Regarding cyber incident or ADMINISTRATION crisis preparedness AND HR 164 Annual Report 2024-25ANNEXURES Annexure 5 REGULATIONS FRAMED UNDER THE INSURANCE ACT, 1938 AND IRDA ACT, 1999 UP TO 31st MARCH 2025 S.NO Name of the Regulation 1 IRDA (The Insurance Advisory Committee) (Meeting) Regulations, 2000 2 IRDA (Appointed Actuary) Regulations, 2000 3 IRDA (Actuarial Report and Abstract) Regulations,2000 4 IRDA (Licensing of Insurance Agents) Regulations, 2000 5 IRDA (Assets, Liabilities and Solvency Margin of Insurers) Regulations,2000 6 IRDA (General Insurance-Reinsurance) Regulations,2000 7 IRDA (Registration of Indian Insurance Companies) Regulations,2000 8 IRDA (Insurance Advertisements and Disclosure) Regulations,2000 9 IRDA (Obligations of Insurers to Rural Social Sectors) Regulations,2000 10 IRDA (Meetings) Regulations,2000 11 IRDA (Preparation of Financial Statements and Auditors' Report of Insurance Companies) Regulations, 2000 12 IRDA (Investment) Regulations,2000 13 IRDA (Conditions of service of Officers and other Employees) Regulations,2000 14 IRDA (Insurance Surveyors and Loss Assessors-Licensing, Professional Requirements and Code of Conduct) Regulations,2000 15 IRDA (Life Insurance - Reinsurance) Regulations,2000 16 IRDA ( Investment) (Amendment) Regulations, 2001 17 IRDA (Third Party Administrators-Health Services) Regulations, 2001 18 IRDA ( Re-Insurance Advisory Committee) Regulations,2001 19 IRDA (Investments) (Amendment) Regulations, 2002 20 IRDA (Preparation of Financial Statements and Auditors' Report of Insurance Companies) Regulations, 2002 21 IRDA (Protection of Policyholders' Interests) Regulations,2002 22 IRDA (Insurance Brokers) Regulations,2002 23 IRDA (Obligations of Insurers to Rural Social Sectors) Regulations,2002 24 IRDA (Licensing of Corporate Agents) Regulations,2002 25 IRDA (Licensing of Insurance Agents) (Amendment) Regulations,2002 26 IRDA (Protection of Policyholders' Interests) (Amendment) Regulations,2002 27 IRDA (Manner of Receipt of Premium) Regulations,2002 28 IRDA (Distributions of Surplus) Regulations,2002 29 IRDA (Registration of Indian Insurance Companies) (Amendment) Regulations,2003 30 IRDA (Investment)(Amendment)Regulations,2004 31 IRDA (Qualification actuary) Regulations,2004 32 IRDA (Obligations of Insurers to Rural / Social Sectors) (Amendment) Regulations, 2004 33 IRDA (Micro Insurance) Regulations,2005 Annual Report 2024-25 165ANNEXURES Cont... Annexure 5 REGULATIONS FRAMED UNDER THE INSURANCE ACT, 1938 AND IRDA ACT, 1999 UP TO 31st MARCH 2025 S.NO Name of the Regulation 34 IRDA (Conditions of Service of Officers and other Employees) (Amendment) Regulations,2005 35 IRDA (Obligation of Insurers to Rural or Social Sectors) (Amendment) Regulations,2005 36 IRDA (Licensing of Insurance Agents)(Amendment) Regulations, 2007 37 IRDA (Licensing of Corporate Agents) (Amendment) Regulations, 2007 38 IRDA (Insurance Brokers) (Amendment) Regulations, 2007 39 IRDA (Obligation of Insurers to Rural or Social Sectors) (Third Amendment) Regulations,2008 40 IRDA (Obligation of Insurers to Rural or Social Sectors) (Fourth Amendment) Regulations,2008 41 IRDA (Registration of Indian Insurance Companies) (Second Amendment) Regulations,2008 42 IRDA (Conditions of service of Officers and other Employees) (Amendments) Regulations,2008 43 IRDA (Investment) (Fourth Amendment) Regulations,2008 44 IRDA (Sharing of Database for Distribution of Insurance Products) Regulations,2010 45 IRDA (Treatment of Discontinued Linked Insurance Policies) Regulations,2010 46 IRDA (Insurance Advertisements and Disclosure) (Amendment) Regulations, 2010 47 IRDA (Licensing of Corporate Agents) (Amendment) Regulations, 2010 48 IRDA (Scheme of Amalgamation and Transfer of General Insurance Business) 2011 49 IRDA (Issuance of Capital by Life Insurance Companies) Regulations, 2011 50 IRDA (Registration of Indian Insurance Companies) (Third Amendment) Regulations,2012 51 IRDA (Insurance Advisory Committee ( Meetings) ( First Amendment) Regulations. 2012 52 IRDA (Sharing of confidential information concerning domestic or foreign entity) Regulations, 2012 53 IRDA (Registration of Indian Insurance Companies) (Fourth Amendment) Regulations, 2013 54 IRDA (Appointed Actuary) (First Amendment) Regulations, 2013 55 IRDA (General Insurance - Reinsurance ) Regulations, 2013 56 IRDA (Insurance Brokers) (Second Amendment) Regulations, 2013 57 IRDA (Scheme of Amalgamation and Transfer of Life Insurance Business) Regulations, 2013 58 IRDA (Third Party Administrator-Health Services) (First Amendment) Regulations, 2013 59 IRDA (Standard Proposal Form for Life Insurance) Regulations, 2013 60 IRDA (Places of Business) Regulations, 2013 61 IRDA (Issuance of Capital by General Insurance Companies) Regulations, 2013 62 IRDA (Non-linked Insurance Products) Regulations, 2013 63 IRDA (Health Insurance) Regulations, 2013 64 IRDA (Linked Insurance Products) Regulations, 2013 65 IRDA (Investment) (Fifth Amendment) Regulations, 2013 66 IRDA (Life Insurance - Reinsurance) Regulations, 2013 67 IRDA (Insurance Surveyors and Loss Assessors - Licensing, Professional requirements and code of conduct)

(Amendment) Regulations,2013 166 Annual Report 2024-25ANNEXURES Cont... Annexure 5 REGULATIONS FRAMED UNDER THE INSURANCE ACT, 1938 AND IRDA ACT, 1999 UP TO 31st MARCH 2025 S.NO Name of the Regulation 68 IRDA (Licensing of Banks as Insurance Brokers) Regulations, 2013 69 IRDA (Web aggregators) Regulations,2013 70 IRDA (Meetings) (First Amendment) Regulations, 2013 71 IRDA IAC (Meetings) (Second Amendment) Regulations, 2013 72 IRDA (Insurance Brokers) Regulations, 2013 73 IRDA (TPA-Health Services) (Second Amendment) Regulations, 2013 74 IRDA (Registration of Indian Insurance Companies)(Fifth Amendment) Regulations, 2013 75 IRDA (Licencing of Insurance Agents) (Amendment) Regulations 2013 76 IRDA(Insurance Surveyors and Loss Assessors- Licensing, Professional requirements and code of conduct) (Second Amendment) Regulations,2013 77 IRDA (Conditions of Service of Officers and Other Employees) (Third Amendment) Regulations, 2014 78 IRDA (Registration of Indian Insurance Companies) (Sixth Amendment) Regulations, 2014 79 IRDA (Health Insurance) (First Amendment) Regulations, 2014 80 IRDAI (Registration of Insurance Marketing Firm) Regulations, 2015 81 IRDAI (Micro Insurance) Regulations, 2015 82 IRDAI (Transfer of Equity Shares of Insurance Companies) Regulations, 2015 83 IRDAI (Fee for registering, cancellation or change of Nomination) Regulations, 2015 84 IRDAI (Fee for granting written acknowledgement of the receipt of Notice of Assignment or Transfer) Regulations, 2015 85 IRDAI (Obligation of Insurer in respect of Motor Third Party Insurance Business) Regulations,2015 86 IRDAI (Places of Business) Regulations, 2015 87 IRDAI (Maintenance of Insurance Records) Regulations, 2015 88 IRDAI (Registration of Corporate Agents) Regulations, 2015 89 IRDAI (Obligations of Insurers to Rural and Social sectors) Regulations, 2015 90 IRDAI ( Minimum Limits for Annuities and other Benefits) Regulations, 2015 91 IRDAI (Acquisition of Surrender and Paid up values) Regulations, 2015 92 IRDAI ( Insurance Services by Common Service Centres) Regulations, 2015 93 IRDAI (Registration and Operations of Branch Offices of Foreign Reinsurers other than Lloyd’s) Regulations, 2015.

94 IRDAI (Insurance Surveyors and Loss Assessors) Regulations, 2015 95 IRDAI( Insurance Advertisements and Disclosure) (Amendment) Regulations, 2015 96 IRDAI (Other Forms of Capital) Regulations, 2015 97 IRDAI (Issuance of Capital by Indian Insurance Companies transacting other than Life Insurance business) Regulations, 2015 98 IRDAI (Issuance of Capital by Indian Insurance Companies transacting Life Insurance business) Regulations, 2015 Annual Report 2024-25 167ANNEXURES Cont... Annexure 5 REGULATIONS FRAMED UNDER THE INSURANCE ACT, 1938 AND IRDA ACT, 1999 UP TO 31st MARCH 2025 S.NO Name of the Regulation 99 IRDAI (Registration and Operations of Branch Offices of Foreign Reinsurers other than Lloyd’s) (First Amendment) Regulations, 2016 100 IRDAI (Inspection and Fee for Supply of Copies of Returns) Regulations, 2015 101 IRDAI (Registration of Indian Insurance Companies) (Seventh Amendment) Regulations, 2016 102 IRDAI (Lloyd’s India) Regulations, 2016 103 IRDAI (TPA- Health Services) Regulations, 2016 104 IRDAI (Assets, Liabilities, and Solvency Margin of General Insurance Business) Regulations, 2016 105 IRDAI (Qualification of Actuary) (Repeal) Regulations, 2016 106 IRDAI (Assets, Liabilities, and Solvency Margin of Life Insurance Business) Regulations, 2016 107 IRDAI ( Actuarial Report and Abstract for Life Insurance Business) Regulations, 2016 108 IRDAI (Appointment of Insurance Agents) Regulations, 2016 109 IRDAI ( Expenses of Management of Insurers transacting General or Health Insurance Business) Regulations, 2016 110 IRDAI (Loans or Temporary advances to the Full-time Employees of the Insurers) Regulations, 2016 111 IRDAI (Expenses of Management of Insurers transacting life insurance business) Regulations, 2016 112 IRDAI (General Insurance - Reinsurance) Regulations, 2016 113 IRDAI (Issuance of e-Insurance Policies) Regulations, 2016 114 IRDAI (Health Insurance) Regulations, 2016 115 IRDAI (Registration of Indian Insurance Companies) (Eighth Amendment) Regulations, 2016 116 IRDAI Staff (Officers and Other Employees) Regulations, 2016 117 IRDAI (Investment) Regulations, 2016 118 IRDAI (Issuance of e-insurance policies) (First Amendment) Regulations, 2016 119 IRDAI (Registration and Operations of Branch Offices of Foreign Reinsurers other than Lloyd’s) (Second Amendment) Regulations, 2016 120 IRDAI (Payment of Commission or Remuneration or Reward to Insurance Agents and Insurance Intermediaries) Regulations, 2016 121 IRDAI (Registration of Insurance Marketing Firm) (First Amendment) Regulations, 2016 122 IRDAI (Payment of commission or remuneration or reward to insurance agents and insurance intermediaries) (First Amendment) Regulations, 2017 123 IRDAI(Insurance Web Aggregators) Regulations, 2017 124 IRDAI(Outsourcing of Activities by Indian Insurers) Regulations, 2017 125 IRDAI(Appointed Actuary) Regulations, 2017 126 IRDAI (Insurance Surveyors and Loss Assessors) (First Amendment) Regulations, 2017 127 IRDAI(Protection of Policyholders’ Interests) Regulations, 2017 128 IRDAI (Payment of commission or remuneration or reward to insurance agents and insurance intermediaries) (Second Amendment) Regulations, 2017 168 Annual Report 2024-25ANNEXURES Cont... Annexure 5 REGULATIONS FRAMED UNDER THE INSURANCE ACT, 1938 AND IRDA ACT, 1999 UP TO 31st MARCH 2025 S.NO Name of the Regulation 129 IRDAI (Insurance Brokers) Regulations, 2018 130 IRDAI(Standard proposal form for Life Insurers) (Repeal) Regulations, 2018 131 IRDAI (Re-Insurance ) Regulations, 2018 132 IRDAI ( Insurance Brokers) (First Amendment) Regulations, 2018 133 IRDAI (Appointed Actuary) (Amendment) Regulations, 2019 134 IRDAI (Unit Linked Insurance Products) Regulations, 2019 135 IRDAI (Non-Linked Insurance Products) Regulations, 2019 136 IRDAI (Registration of Insurance Marketing Firm) (Amendment) Regulations, 2019 137 IRDAI (Re-insurance Advisory Committee) Regulations, 2019 138 IRDAI (Regulatory Sandbox) Regulations, 2019 139 IRDAI (Common Public Services Centers) Regulations, 2019 140 IRDAI (Insurance Intermediaries) (Amendment) Regulations, 2019 141 IRDAI (Health Insurance) (Amendment) Regulations, 2019 142 IRDAI (Third Party Administrators - Health Services) (Amendment) Regulations, 2019 143 IRDAI (Minimum Information Required for Investigation and Inspection) Regulations, 2020 144 IRDAI (Insurance Surveyors and Loss Assessors) (Amendment) Regulations, 2020 145 IRDAI (Regulatory Sandbox) (Amendment) Regulations, 2021 146 IRDAI (Insurance Advertisements and Disclosure) Regulations, 2021 147 IRDAI (Manner of Assessment of Compensation to Shareholders or Members on Amalgamation) Regulations, 2021 148 IRDAI (Preparation of Financial Statements and Auditor’s Report of Insurance Companies) (First Amendment) Regulations, 2021 149 IRDAI (Indian Insurance Companies) (Amendment) Regulations, 2021 150 IRDAI(Actuarial Report and Abstract for Life Insurance Business) (Amendment) Regulations, 2022 151 IRDAI(Appointed Actuary) Regulations 2022 152 IRDAI(Assets Liabilities and Solvency Margin of General Insurance Business) Regulations 2022 153 IRDAI (Other Forms of Capital) Regulations 154 IRDAI(Regulatory Sandbox) (Amendment) Regulations 2022 155 IRDAI (Registration of Indian Insurance Companies) Regulations, 2022 156 IRDAI (Insurance Intermediaries) (Amendment) Regulations, 2022 157 IRDAI(Expenses of Management of Insurers transacting General or Health Insurance business) Regulations, 2023 158 IRDAI (Expenses of Management of Insurers transacting life insurance business) Regulations, 2023 159 IRDAI (Payment of Commission) Regulations, 2023 160 IRDAI (Re-insurance) (Amendment) Regulations, 2023 Annual Report 2024-25 169ANNEXURES Cont... Annexure 5 REGULATIONS FRAMED UNDER THE INSURANCE ACT, 1938 AND IRDA ACT, 1999 UP TO 31st MARCH 2025 S.NO Name of the Regulation 161 IRDAI (Expenses of Management, including Commission, of Insurers) Regulations, 2024 162 IRDAI (Rural, Social Sector and Motor Third Party Obligations ) Regulations, 2024 163 IRDAI (Bima Sugam - Insurance Electronic Marketplace) Regulations, 2024 164 IRDAI (Registration, Capital Structure, Transfer of Shares and Amalgamation of Insurers) Regulations, 2024 165 IRDAI (Corporate Governance for Insurers) Regulations, 2024 166 IRDAI (Insurance Products) Regulations, 2024 167 IRDAI (Registration and Operations of Foreign Reinsurers Branches & Lloyd’s India) Regulations, 2024 168 IRDAI (Actuarial, Finance and Investment Functions of Insurers) Regulations, 2024 169 IRDAI (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024 170 IRDAI (Reinsurance Advisory Committee) (Amendment) Regulations, 2025 171 IRDAI (Insurance Advisory Committee) (Amendment) Regulations, 2025 172 IRDAI (Meetings) (Amendment) Regulations, 2025 173 IRDAI (Regulatory Sandbox) Regulations, 2025 174 IRDAI (Maintenance of Information by the Regulated Entities and Sharing of Information by the Authority) Regulations, 2025

Note: Notified in the Gazette of India 170 Annual Report 2024-25ANNEXURES Annexure 6 LIST OF MICRO INSURANCE PRODUCTS OFFERED BY LIFE INSURERS (AS AT 31st MARCH 2025) SL.No. Insurer Individual Micro Product Group Micro Product 1 Life Insurance Corporation of India LIC'S MICRO BACHAT LIC's One Year Renewable Group Micro Term Assurance Plan LIC Single Premium Group Micro Term Insurance Plan 2 Acko Life Insurance Ltd. Acko Life Group Credit Protect (Micro Insurance Product) 3 Aditya Birla Sun Life Insurance Co. Ltd. ABSLI Group Bima Yojana 4 Ageas Federal Life Insurance Co. Ltd. Group Microsurance Plan II 5 Aviva Life Insurance Co. India Ltd. Aviva Group Micro Insurance Plan 6 Axis Max Life Insurance Ltd. Max Life Group Saral Suraksha Plan (Micro Insurance Product) 7 Bajaj Allianz Life Insurance Co. Ltd. Bajaj Allianz Life Group Sampoorna Jeevan Suraksha Bajaj Allianz Life Group Sampoorna Suraksha Kavach 8 Bandhan Life Insurance Ltd. Bandhan Life Group Care Micro Insurance Plan 9 Bharti Axa Life Insurance Co. Ltd. Bharti AXA Life Grameen Jeevan Bima Bharti AXA Life Group Term Micro Insurance Plan 10 Canara HSBC Life Insurance Co. Ltd. Canara HSBC Life Insurance Sampoorna Kavach Plan 11 CreditAccess Life Insurance Ltd. CreditAccess Raksha Kavach Sukshm (Micro-Insurance Product).

CreditAccess Life - Samunnati Suraksha (Micro-Insurance Product) CreditAccess Suraksha Sukshm (Micro-Insurance Product).

CreditAccess Life - Grameen Sanchay (Micro-Insurance Product).

CreditAccess Life - Anantha Suraksha Sukshm (Micro-Insurance Product) 12 Edelweiss Life Iinsurance Co. Ltd. Edelweiss Life – Raksha Kavach Bima Edelweiss Life – Jan Suraksha Yojana (Micro Insurance Plan) 13 Go Digit Life Insurance Ltd. Digit Glow Lite Term Life Insurance Digit Life Group Micro Term Insurance 14 HDFC Life Insurance Co. Ltd. HDFC Life Group Jeevan Suraksha (Micro Insurance Product) HDFC Life Group Suraksha (Micro-Insurance Product) 15 ICICI Prudential Life Insurance Co. Ltd. ICICI Pru Sarv Jana Suraksh ICICI Pru Shubh Raksha One ICICI Pru Shubh Raksha Life ICICI Pru Shubh Raksha Credit 16 IndiaFirst Life Insurance Co. Ltd. IndiaFirst Life Micro Bachat Plan IndiaFirst Life Group Micro Insurance Plan IndiaFirst Life "INSURANCE KHATA" Plan IndiaFirst Life Group HospiCare (Microinsurance) Plan (micro insurance product) 17 Kotak Mahindra Life Insurance Co. Ltd. Kotak Sampoorn Bima Micro-Insurance Plan Kotak Raksha Group Micro Insurance Plan 18 PNB MetLife India Insurance Co. Ltd. PNB MetLife Bima Yojana - (Group Micro Insurance) 19 Pramerica Life Insurance Ltd. Pramerica Life Sarv Jan Suraksha 20 Reliance Nippon Life Insurance Co. Ltd. Reliance Nippon Life Group Jan Suraksha Kavach 21 SBI Life Insurance Co. Ltd. Group Micro Shield - SP Group Micro Shield 22 Shriram Life Insurance Co. Ltd. Shriram Jan Sahay Shriram Life Sujana 23 Star Union Dai-ichi Life Insurance Co. Ltd. SUD Life Group Micro Term Insurance Plan 24 Tata AIA Life Insurance Co. Ltd. Tata AIA Life Insurance Saat Saath - Tata AIA Life Insurance Group Micro Raksha Supreme Micro Insurance Product Tata AIA Life Insurance POS Saat Saath - Micro Insurance Product Tata AIA Bharat Suraksha Cover Micro Ins.Plan Annual Report 2024-25 171ANNEXURES Annexure 7 NUMBER OF PRODUCTS & RIDERS DURING FY 2024-25 S. Name of Insurer No. of Products / Riders S. Name of Insurer No. of Products No. File & Use Use & File No. and Add-on Public Sector Gen. Ins. Health Ins.

1 Life Insurance Corporation of India 1 60 Public Sector 1 National Insurance Co. Ltd. 87 10 Private Sector 2 The New India Assurance Co. Ltd. 32 19 2 Acko Life Insurance Ltd. 0 4 3 The Oriental Insurance Co. Ltd. 19 11 3 Aditya Birla Sun Life Insurance Co. Ltd. 0 86 4 United India Insurance Co. Ltd. 62 5 4 Bandhan Life Insurance Ltd. 2 23 Private Sector 5 Ageas Federal Life Insurance Co. Ltd. 1 34 5 Acko General Insurance Ltd. 6 2 6 Aviva Life Insurance Company India Ltd. 2 18 6 Bajaj Allianz General Insurance Co. Ltd. 62 4 7 Bajaj Allianz Life Insurance Co. Ltd. 1 97 7 Cholamandalam MS Gen. Ins.Co. Ltd. 130 1 8 Bharti AXA Life Insurance Co. Ltd. 1 41 8 Future Generali India Insurance Co. Ltd. 106 7 9 Canara HSBC Life Insurance Co. Ltd. 1 32 9 Go Digit General Insurance Ltd. 51 4 10 CreditAccess Life Insurance Ltd.. 1 8 10 HDFC ERGO General Insurance Co. Ltd. 67 25 11 Edelweiss Life Insurance Co. Ltd. 3 31 11 ICICI Lombard General Insurance Co. Ltd. 139 11 12 Future Generali Life Insurance Co. Ltd. 0 27 12 IFFCO Tokio General Insurance Co. Ltd. 30 5 13 Go Digit Life Insurance Ltd. 0 8 13 Kshema General Insurance Ltd. 15 5 14 HDFC Life Insurance Co. Ltd. 2 118 14 Liberty General Insurance Ltd. 42 4 15 ICICI Prudential Life Insurance Co. Ltd. 2 83 15 Magma General Insurance Ltd 33 3 16 IndiaFirst Life Insurance Co. Ltd. 0 47 16 Raheja QBE General Insurance Co. Ltd. 33 9 17 Kotak Mahindra Life Insurance Co. Ltd. 2 68 17 Reliance General Insurance Co. Ltd. 98 0 18 Axis Max Life Insurance Co. Ltd. 0 87 18 Royal Sundaram General Ins. Co. Ltd. 34 4 19 PNB MetLife India Insurance Co. Ltd. 2 50 19 SBI General Insurance Co. Ltd. 16 2 20 Pramerica Life Insurance Ltd. 0 35 20 Shriram General Insurance Co. Ltd. 49 7 21 Reliance Nippon Life Insurance Co. Ltd 5 30 21 Tata AIG General Insurance Co. Ltd. 47 17 22 SBI Life Insurance Co. Ltd. 5 41 22 Universal Sompo General Ins. Co. Ltd. 6 7 23 Shriram Life Insurance Co. Ltd. 1 35 23 Zuno General Insurance Ltd. 95 5 24 Star Union Dai-ichi Life Ins. Co. Ltd. 2 47 24 Zurich Kotak General Ins. Co. (India) Ltd 571 3 25 Tata AIA Life Insurance Co. Ltd. 2 116 Specialised Insurers (Public Sector) Grand Total 36 1,226 1 Agriculture Insurance Co of India Ltd 2 - 2 ECGC Ltd. - - Standalone Health Insurers 1 Aditya Birla Health Insurance Co. Ltd. - 5 2 Care Health Insurance Ltd. - 17 3 Galaxy Health & Allied Ins. Co. Ltd. - 7 4 Manipal Cigna Health Insurance Co. Ltd. - 4 5 Niva Bupa Health Insurance Co. Ltd. - 7 6 Narayana Health Insurance Co. Ltd. - 3 7 Star Health and Allied Insurance Co Ltd - 6 Grand Total 1,832 223 172 Annual Report 2024-25ANNEXURES Annexure 8 FEE STRUCTURE FOR INSURERS AND INTERMEDIARIES AND FEES COLLECTED IN 2024-25 S. Category Processing Registration Renewal/Annual Fee Periodicity of Total Fee No. Fee (`) Fee (`) Renewal/Annual Collected (in `) 1 Life/General/Health - 5,00,000 1/20th of 1% of Gross Every Year 2,33,91,02,444 Direct Premium written in by January 31st India subject to a minimum of Rs 10,00,000 and maximum of Rs 15 Crore 2 Reinsurer - 5,00,000 1/20th of 1% of the total Every year premium in respect of by January 31st facultative reinsurance accepted subject to a minimum of Rs 10,00,000 and maximum of Rs 15 Crore 3 FRBs/Lloyds India 1,00,000 1/20th of 1% of the total Every Year (for service premium in respect of by January 31st company facultative reinsurance of Lloyds’ India) accepted in India subject & 10,00,000 (for to a minimum of other FRBs) Rs 10,00,000 and maximum of Rs 10 Crore 4 Amalgamation, merger 1,00,000 Acquisition, Transfer or Restructing of Branch office of foreign reinsurer 5 Amalgamation and 1/10th of 1% of - - - transfer of General / Gross Direct Life insurance business Premium written in India by the transacting entities during the financial year preceding the financial year in which the application is filed with the Authority subject to a minimum of `50 lakh and maximum of `5 crore 6 Third Party 1,00,000 2,00,000 1,50,000 3 years 1,77,000 Administrator 7 Brokers-Direct 25,000 50,000* 1,00,000 3 years 4,35,01,399 Brokers-Reinsurance 50,000 1,50,000* 3,00,000 3 years Brokers-Composite 75,000 2,50,000* 5,00,000 3 years Annual Report 2024-25 173ANNEXURES Cont... Annexure 8 FEE STRUCTURE FOR INSURERS AND INTERMEDIARIES AND FEES COLLECTED IN 2024-25 S. Insurer Processing Registration Renewal Fee Periodicity of Total Fee No. Fee Fee (`) Renewal Collected (in `) 8 Surveyors and Loss - Individual: `1000, i. Renewal Fee if application 3 years 43,16,330 Assessors (Individual Corporate: `5000 filed before 30 days from and Corporate) the date of expiry:

Individual- `1000 Corporate – `5000 ii. Renewal fee if renewal application NOT filed 30 days before the date

of expiry:

Individual – `1100 Corporate – `5100 iii. Renewal fee if renewal application filed after the date of expiry of license but within six months from the date of

expiry of license:

Individual -`1750 Corporate -`5750 9 Corporate Agents 10,000# i. CoR for the CoR Renewal: `25000 3 Years 9,12,86,094

entity: `25000 Renewal of Certificate to ii. Certificate to PO/SP/AV: `500 the PO/SP/AV: `500" 10 Web Aggregators 10,000 25,000 25,000 3 Years 2,50,100 11 Common Public - 10,000 2,000 3 Years - Service Centre (CPSC) 12 Referrals - 10,000 10,000 3 Years 15,000 13 Insurance Marketing - 5,000 2,000 3 Years 11,29,027 Firm 14 Insurance Repository 10,000 1,00,000 50,000 3 Years 2,00,000 15 ISNP(Insurance Self-Network Platform) 0 10,000 - - 9,11,500 Total 2,48,08,88,894 * After grant of in-principle approval # Non Refundable Fee CoR- Certificate of Registration PO- Principal Officer, SP- Specified Person & AV- Authorised Verifier 174 Annual Report 2024-25ANNEXURES Annexure 9 PENALTIES LEVIED BY THE AUTHORITY DURING FY 2024-25 Sl. Name of the Amount of Date of issuance Brief particulars of the No entity Penalty (in Cr.) of penalty order violation committed 1 Go Digit General `1 Crore 02-05-2024 Failed to comply with Section 26 of Insurance Ltd. Insurance Act 1938 2 Billionbrains ` 5 lakh 14.06.2024 Corporate Agent violated Regulation 22(1) Garage Ventures of IRDAI (Registration of Corporate Agents) Pvt. Ltd. Regulations, 2015 by failing to disclose material information as part of its Corporate Agent application.

3 Prowess Insurance `37,00,000 12.07.2024 Violation of Reg. 2(f) and 13(1) of the IRDAI Brokers Pvt. Ltd. (Insurance Brokers) Regulations, 2018 and clause 11 and 15(b) of IRDAI (International Financial Service Centre Insurance Intermediary Offices) Guidelines, 2019.

4 Aegon (Bandhan) `1 crore 15-07-2024 Life Insurer violated Clause-3.4 and Clause- Life Insurance Co. Ltd. 3.1.13 (i) (b) of AML Circular bearing Ref.

No. IRDAI/SDD/GDL/CIR/175/09/2015 dated 28th September 2015 by not conduct ing review/audit of activities related to money laundering and delay in intimation of STR to the Authority respectively and Clause-4 (b) of Circular No.IRDAI/CIR/ ONS/157/09/2018 dated 19th September 2018 for non-submission of documents.

5 Bajaj Finance Ltd. `2 crore 15-07-2024 Corporate Agent violated the provisions of (Corporate Agent) Regulation-31(3) and 23 (g) of IRDAI (Reg istration of Corporate Agents) Regulations, 2015 by not providing correct information in Schedule-VI and Form-26AS and by receving payments other than commission.

- Penalty of Rs.1 crore.

Corporate Agent also violated the provi sions of Regulations-25(1), 30 (ii) and 26

(1) of IRDAI (Registration of Corporate Agents), 2015 and Regulation-8 (1) of IRDAI (Protection of Policyholders' Inter ests) Regulations, 2017 for not maintain ing call records, proposal forms and stream line grievance redressal mechanism - Pen alty of Rs.1 crore.

Annual Report 2024-25 175ANNEXURES Cont... Annexure 9 PENALTIES LEVIED BY THE AUTHORITY DURING FY 2024-25 Sl. Name of the Amount of Date of issuance Brief particulars of the No entity Penalty (in Cr.) of penalty order violation committed 6 HDFC Life Insurance `2 crore 01-08-2024 Life insurer violated Regulation 8(6) & 8(7) Co. Ltd. of IRDA (Protection of Policyholders Interest) Regulations, 2017 and Regulation 14(2)(iv) of IRDA (Protection of Policyholders Interests) Regulations, 2017 by failing to process the proposals with speed and efficiency and failing to adjust/ refund the premium deposit within stipulated time.

Life Insurer violated Regulation 30(b)(ii), (iv) read with explanation; Clause 1(b) of Form U under Schedule VII read with regulation 2(j) and regulation 30 of IRDAI (Insurance Web Aggregators) Regulations, 2017 by paying unreasonable amount of service charges to the Web Aggregator.

Life Insurer violated Regulation 45(1) of IRDAI (Insurance Brokers) Regulations, 2018 read with clause 1(b) of Form U under Schedule VII read with regulations 2(j) and 30 of IRDAI (Insurance Web Aggregators) Regulations, 2017 by making extra pay- outs to the broker for the business sourced through broker.

Insurer violated regulations 2(f)(ii), 5(b) and 6(c) of IRDAI (Payment of commission or Remuneration or Reward to Insurance Agents and Insurance Intermediaries) Regulations, 2016 by making pay-outs to corporate agents in the guise of co-branded etc.

Insurer violated Regulation 8(iv) and 10 of IRDAI (Outsourcing of Activities by Indian Insurers) Regulations, 2017 and Regulation 21 of IRDAI (Outsourcing of Activities by Indian Insurers) Regulations, 2017 and

Section 41 of the Insurance Act, 1938 by not reporting the outsourcing activities in the outsourcing returns.

176 Annual Report 2024-25ANNEXURES Cont... Annexure 9 PENALTIES LEVIED BY THE AUTHORITY DURING FY 2024-25 Sl. Name of the Amount of Date of issuance Brief particulars of the No entity Penalty (in Cr.) of penalty order violation committed 7 SBI Life Insurance `1 crore 06-09-2024 Life insurer violated the provisons of Co. Ltd. Regulations-30 (b) (ii) & (iv) and Regulations-2 (j) of IRDAI (Insurance Web Aggregators) Regulations, 2017 by paying unreasonable amount of service charges to the web Aggregator Insurer violated Regulations-21 of IRDAI (Outsourcing Activities by Indian Insurers) Regulations, 2017 for not reporting the activities in the outsourcing return.

8 Marsh India Brokers `1 crore 14-10-2024 Broker violated the provisions of Clause-f of Schedule-II (Form-U) under Regulations- 33 (2) of IRDAI (Insurance Brokers) Regulations, 2018 for delay in remittance of premium to the insurers

Note: Order is sub-judice before the hon'ble Securities Apellate Tribunal (SAT) 9 Royal Sundaram `1 crore 23-01-2025 Insurer warned for the violation of the General Insurance provisions of Reg.27 (v) of IRDAI (Health Co. Ltd. Insurance) Regulations, 2016 for closing of health claims in the books of the insurer and the penalty was imposed on the insurer for the violation of the provisions of Reg.21 of IRDAI (Outsourcing of Activities by Indian Insurers) Regulations, 2017 for not reporting the outsourcing activities in the outsourcing returns.

10 UIB Insurance `1 crore 19-02-2025 Broker violated the provisions of Clause-f Brokers Pvt. Ltd. of Schedule-II (Form-U) under Regulations- 33 (2) of IRDAI (Insurance Brokers) Regulations, 2018 for delay in remittance of premium to the insurers Annual Report 2024-25 177ANNEXURES Annexure 10 (i) INDIAN ASSURED LIVES MORTALITY (IALM) – 2012-14 STANDARD RATES- MALE INSURED LIVES THAT ARE MEDICALLY UNDERWRITTEN AT INCEPTION Age qx (Graduated) Age qx (Graduated) Age qx (Graduated) 2 0.000915 40 0.00168 78 0.051024 3 0.00047 41 0.001815 79 0.056231 4 0.000271 42 0.001969 80 0.061985 5 0.000185 43 0.002144 81 0.068338 6 0.000152 44 0.002345 82 0.07535 7 0.000149 45 0.002579 83 0.083082 8 0.000167 46 0.002851 84 0.091601 9 0.000206 47 0.003168 85 0.100979 10 0.000265 48 0.003536 86 0.111291 11 0.000341 49 0.003958 87 0.122616 12 0.000429 50 0.004436 88 0.135037 13 0.000522 51 0.004969 89 0.148639 14 0.000614 52 0.00555 90 0.163507 15 0.000698 53 0.006174 91 0.179726 16 0.00077 54 0.006831 92 0.19738 17 0.000829 55 0.007513 93 0.216547 18 0.000874 56 0.008212 94 0.237302 19 0.000905 57 0.008925 95 0.259706 20 0.000924 58 0.009651 96 0.283813 21 0.000934 59 0.010393 97 0.309659 22 0.000937 60 0.011162 98 0.337265 23 0.000936 61 0.011969 99 0.36663 24 0.000933 62 0.012831 100 0.397733 25 0.000931 63 0.013765 101 0.430529 26 0.000931 64 0.014792 102 0.46495 27 0.000934 65 0.015932 103 0.500904 28 0.000942 66 0.017206 104 0.538278 29 0.000956 67 0.018635 105 0.576942 30 0.000977 68 0.02024 106 0.616752 31 0.001005 69 0.02204 107 0.657553 32 0.001042 70 0.024058 108 0.699191 33 0.001086 71 0.026314 109 0.741515 34 0.00114 72 0.028832 110 0.784383 35 0.001202 73 0.031638 111 0.827673 36 0.001275 74 0.034757 112 0.871285 37 0.001358 75 0.038221 113 0.915145 38 0.001453 76 0.042061 114 0.959214 39 0.00156 77 0.046316 115 1

Note:

1. Age as on Last Birthday

2. qx(Graduated) Rates are Graduated Mortality Rates 178 Annual Report 2024-25ANNEXURES Annexure 10 (ii) INDIAN INDIVIDUAL ANNUITANT’S MORTALITY TABLE (2012-15) OVERALL / COMBINED MORTALITY RATES [Within the meaning of Regulation 4 of IRDAI (Assets, Liabilities and Solvency Margin of Life Insurance Business) Regulations, 2016] Age Graduated Mortality Rates Age Graduated Mortality Rates 20 0.000284 68 0.013447 21 0.000305 69 0.01484 22 0.000328 70 0.016393 23 0.000353 71 0.018128 24 0.000379 72 0.020067 25 0.000407 73 0.022236 26 0.000438 74 0.024662 27 0.000471 75 0.027379 28 0.000507 76 0.030422 29 0.000545 77 0.03383 30 0.000586 78 0.037651 31 0.000631 79 0.041932 32 0.000679 80 0.04673 33 0.000731 81 0.052106 34 0.000787 82 0.058127 35 0.000847 83 0.064868 36 0.000913 84 0.07241 37 0.000984 85 0.08084 38 0.001061 86 0.090252 39 0.001144 87 0.100746 40 0.001234 88 0.112428 41 0.001332 89 0.125408 42 0.001438 90 0.139798 43 0.001553 91 0.155712 44 0.001679 92 0.17326 45 0.001815 93 0.192548 46 0.001964 94 0.213673 47 0.002125 95 0.236719 48 0.002302 96 0.261749 49 0.002495 97 0.288807 50 0.002705 98 0.317906 51 0.002936 99 0.349031 52 0.003188 100 0.382129 Annual Report 2024-25 179ANNEXURES Cont... Annexure 10 (ii) INDIAN INDIVIDUAL ANNUITANT’S MORTALITY TABLE (2012-15) OVERALL / COMBINED MORTALITY RATES Age Graduated Mortality Rates Age Graduated Mortality Rates 53 0.003464 101 0.417111 54 0.003768 102 0.453851 55 0.004101 103 0.49219 56 0.004468 104 0.531933 57 0.004871 105 0.572866 58 0.005316 106 0.614755 59 0.005807 107 0.657357 60 0.006349 108 0.700435 61 0.006948 109 0.743762 62 0.007612 110 0.787136 63 0.008347 111 0.830382 64 0.009163 112 0.873364 65 0.01007 113 0.915987 66 0.011077 114 0.958198 67 0.012198 115 0.99999 180 Annual Report 2024-25ANNEXURES Annexure 11 TPA-WISE NETWORK AGREEMENTS S. Name of As at Additions Withdrawal / As at No. the TPA March 31, during Removal during March 31, 2024 2024-25 2024-25 2025 1 Anmol Medicare Insurance TPA Ltd. $ 641 0 0 0 2 AKNA Health Insurance TPA Pvt. Ltd 6,118 8,046 0 14,164 3 Volo Health Insurance TPA Pvt. Ltd ( Formerly East West Assist Ins. TPA Pvt. Ltd.) 9,309 4,532 3,635 10,206 4 Ericson Insurance TPA Pvt. Ltd 13,394 1,216 146 14,464 5 Family Health Plan Insurance TPA Ltd. 26,644 1,830 217 28,257 6 Genins India Insurance TPA Ltd. 7,646 722 208 8,160 7 Good Health Insurance TPA Ltd. 9,608 805 227 10,186 8 Health India Insurance TPA Services Pvt. Ltd. 15,920 1,368 309 16,979 9 Health Insurance TPA of India Ltd. 8,443 1,298 51 9,690 10 Heritage Health Insurance TPA Pvt. Ltd. 15,260 3,500 872 17,888 11 Link-K Insurance TPA Private Ltd. 12,759 18,382 0 31,141 12 MDIndia Health Insurance TPA Pvt. Ltd. 24,103 4,772 4,191 24,684 13 Medi Assist Insurance TPA Pvt. Ltd. 19,305 2,187 1,288 20,204 14 Medsave Health Insurance TPA Ltd. 8,865 1,015 41 9,839 15 Paramount Health Services & Ins. TPA Pvt. Ltd. 25,115 2,317 387 27,045 16 Park Mediclaim Insurance TPA Pvt. Ltd. 6,012 756 249 6,519 17 Raksha Health Insurance TPA Pvt. Ltd.@ 12,569 0 0 0 18 Safeway Insurance TPA Pvt. Ltd. 10,156 1,773 305 11,624 19 Vidal Health Insurance TPA Pvt. Ltd. 12,150 823 207 12,766 20 Vision Digital Insurance TPA Pvt. Ltd.* 0 0 0 0 Total Network Hospitals** 2,44,017 55,342 12,333 2,73,816

1. *This TPA is not active in the 2024-25 FY.

The CoR of Vision Digital Insurance TPA Private Limited was lapsed by virtue of the time-period and IRDAI's order dated 04.10.2021 rejecting renewal application of the TPA has been stayed by the Hon'ble High Court of Delhi in WP(C) 10379/2021. The matter is sub-judice.

2. **Hospitals may have tied up with more than one TPA.

3. $ The Renewal application of CoR of Anmol Medicare Insurance TPA Limited with Registration No. 27 was rejected vide order dated 04.07.2024.

4. @ Raksha Health Insurance TPA Private Limited is merged with Medi Assist Insurance TPA Private Ltd. effective from 01st January, 2025 Annual Report 2024-25 181

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आईआरडीएआई वार्षिक रिपोर्ट / IRDAI Annual Report 2024-25

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